{
  "research_identity": "Rung Debt Consolidation Break-Even Atlas",
  "reader_title": "When does a debt consolidation loan save money?",
  "dataset_version": "rung-debt-break-even@2026-09-13.candidate.1",
  "method_version": "atlas-method@1.0.0",
  "prepared_date": "2026-09-13",
  "publication_date": "2026-09-27",
  "publication_url": "https://rungfinancial.com/research/debt-consolidation-break-even-atlas/",
  "publisher": "Rung",
  "publisher_reviewer": "Colin McCracken",
  "publisher_decision": "approved",
  "publisher_review_date": "2026-09-13",
  "source_decision": "approved",
  "assisted_roles": "Codex assisted source collection, computation, independent implementation, report drafting and technical checks; no independent human expert review claimed",
  "citation": "Rung Financial. Debt Consolidation Break-Even Atlas. Published 2026-09-27. Study prepared September 13, 2026. Dataset rung-debt-break-even@2026-09-13.candidate.1; method atlas-method@1.0.0. https://rungfinancial.com/research/debt-consolidation-break-even-atlas/ Cite the exact finding and row IDs with their assumptions.",
  "reuse_status": "Retained candidate source and design-asset uses accepted; no external redistribution grant inferred",
  "corrections_file": "citation/corrections.md",
  "canonical_url": "https://rungfinancial.com/research/debt-consolidation-break-even-atlas/",
  "release_candidate": "v6-research-2026-09-26-rc1",
  "source_rechecked_date": "2026-09-26",
  "status": "publication-edition",
  "presentation_approved_date": "2026-09-26"
}