{
  "schema_version": "1",
  "_comment": "Deliberately broken fixture. Every defect here is one the validator must catch and a JSON Schema alone cannot. Expected: 9 blockers (semantic layer; structural errors are additional when jsonschema is installed).",

  "meta": {
    "code": "9999",
    "names": { "bg": "Тестов продукт" },
    "lob": "motor",
    "valid_from": "2026-09-01",
    "sources": [
      { "file": "sources/tariff.pdf", "role": "tariff" },
      { "file": "sources/template.xlsx", "role": "structure" }
    ]
  },

  "objects": [
    { "code": "CAR", "status": "M", "one_only": true, "source": "template!Objects A4" }
  ],

  "covers": [
    { "key": "FIRE",  "names": { "bg": "Пожар" },  "type": "COV", "object": "CAR", "source": "template!Covers row 7" },
    { "key": "THEFT", "names": { "bg": "Кражба" }, "type": "COV", "object": "CAR", "source": "template!Covers row 8" }
  ],

  "ld": [
    {
      "code": "LD_YOUNG_DRIVER", "type": "LD", "sign": 1,
      "scope": "cover:GLASS",
      "rate_dim": "P", "rate": 10, "rate_base": "BP", "order": 10,
      "rule": "10% for drivers under 25",
      "source": "tariff!Loadings row 3"
    }
  ],

  "factors": [
    {
      "code": "IV", "datatype": "IV", "level": "object", "object": "CAR",
      "answered_by": "operator", "rating_axis": true,
      "source": "template!Factors row 2"
    },
    {
      "code": "VEHICLE_AGE", "datatype": "LIST", "level": "object", "object": "CAR",
      "answered_by": "object_attribute", "rating_axis": true,
      "values": [
        { "value": "0_3", "name": "0-3", "default": true },
        { "value": "4_7", "name": "4-7", "default": true }
      ],
      "source": "template!Factors row 3"
    }
  ],

  "tariff": {
    "template": "DEFAULT_TEMPLATE",
    "versions": [ { "effective_from": "2026-09-01", "ld_rule": "SUM" } ],

    "cover_rates": [
      {
        "cover": "FIRE", "shape": "grid", "base": "IV", "rate_dim": "P",
        "grid": {
          "row_factor": "VEHICLE_AGE", "column_factor": "DEDUCTIBLE_BAND",
          "row_labels": ["0_3", "4_7"], "column_labels": ["A", "B", "C"],
          "rates": [[1.1, 1.2, 1.3], [1.4, 1.5, 1.6]]
        },
        "source": "tariff!table I B2:F40"
      },
      {
        "cover": "THEFT", "shape": "grid", "base": "IV", "rate_dim": "P",
        "grid": {
          "row_factor": "VEHICLE_AGE", "column_factor": "DEDUCTIBLE_BAND",
          "row_labels": ["0_3", "4_7"], "column_labels": ["A", "B", "C"],
          "rates": [[0.7, 0.8, 0.9], [1.0, 1.1, 1.2]]
        },
        "source": "tariff!table II B2:F40"
      }
    ]
  },

  "offers": [
    {
      "code": "STANDARD", "object": "CAR",
      "covers": [
        { "cover": "FIRE",  "extent": "M" },
        { "cover": "GLASS", "extent": "O" }
      ],
      "source": "requirements §5"
    }
  ],

  "reconciliation": {
    "covers":  { "claimed_in_source": 2, "in_model": 2, "evidence": "template!Covers rows 7-8" },
    "factors": { "claimed_in_source": 3, "in_model": 3, "evidence": "template!Factors rows 2-4" }
  },

  "unresolved": [
    {
      "what": "deductible band definitions for cover THEFT",
      "why": "cannot configure PR_BASIC_COVER_DEF without them",
      "expected_in": "general terms §4",
      "blocking": true
    }
  ]
}