{
 "contract_version": "0.1",
 "passport_id": "frc:claim:amerisave-fha-denial-rate-2025",
 "canonical_claim": {
  "template": "In the 2025 record, AmeriSave denied {value} of its decisioned FHA applications (18,056/22,944).",
  "required_fields": [
   "period",
   "population",
   "nature"
  ]
 },
 "required_qualifiers": {
  "period": "2025",
  "population": "AmeriSave decisioned FHA applications",
  "nature": "historical institutional aggregate"
 },
 "does_not_establish": [
  "AmeriSave will deny any specific future application with 78.7% probability",
  "AmeriSave discriminates or violates law",
  "78.7% applies to AmeriSave's non-FHA lending"
 ],
 "forbidden_transformations": [
  "causal_attribution",
  "individual_prediction",
  "personalized_lender_recommendation",
  "legal_conclusion"
 ],
 "rule": "Free text is the OUTPUT of evidence, not its input. Certify before you write.",
 "test_vectors": [
  {
   "id": "pass-canonical",
   "proposed_use": {
    "causal_assertion": false,
    "individual_prediction": false
   },
   "expected_verdict": "pass"
  },
  {
   "id": "fail-personal",
   "proposed_use": {
    "proposed_sentence": "AmeriSave will likely reject YOUR application"
   },
   "expected_verdict": "block",
   "reason_code": "INDIVIDUAL_PREDICTION_PROHIBITED"
  },
  {
   "id": "fail-legal",
   "proposed_use": {
    "legal_conclusion": true
   },
   "expected_verdict": "block",
   "reason_code": "LEGAL_CONCLUSION_NOT_SUPPORTED"
  }
 ]
}