{
  "schema_version": 1,
  "dataset_version": "personal-loan-funded-cost@2026-09-05.collection.3",
  "status": "internal-pilot-not-for-publication",
  "checked_date": "2026-09-05",
  "protocol_version": "0.4",
  "formula": "face_amount_required = target_cash / (1 - fee_rate / 100)",
  "rounding": "Calculate with full precision, then round displayed dollar values to the nearest cent.",
  "limitations": [
    "These are Rung scenarios based on public fee structures, not consumer offers.",
    "The Upstart 8.15% fee is a representative-example sensitivity, not a published range.",
    "Oportun, Avant, and LendingPoint publish only an upper fee bound on the reviewed page.",
    "Best Egg and LendingPoint scenarios apply only to offers where the fee is deducted from proceeds.",
    "OneMain Financial is excluded from cash-delivery scenarios because the reviewed state fee schedule includes both flat-dollar and percentage fees and does not establish one national deduction treatment.",
    "PenFed scenarios preserve an unknown published minimum; range availability is null even where the target is below the published maximum.",
    "State, term, eligibility, and creditor limits may make a face amount unavailable even when it falls inside the national amount range."
  ],
  "scenarios": [
    {
      "scenario_id": "PL-SCENARIO-prosper-range-minimum-5000",
      "brand_name": "Prosper",
      "target_cash": 5000,
      "fee_rate": 1,
      "fee_basis": "range_minimum",
      "face_amount_required": 5050.51,
      "fee_dollars": 50.51,
      "cash_delivered_ratio": 0.99,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-PROSPER-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-prosper-range-minimum-10000",
      "brand_name": "Prosper",
      "target_cash": 10000,
      "fee_rate": 1,
      "fee_basis": "range_minimum",
      "face_amount_required": 10101.01,
      "fee_dollars": 101.01,
      "cash_delivered_ratio": 0.99,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-PROSPER-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-prosper-range-minimum-20000",
      "brand_name": "Prosper",
      "target_cash": 20000,
      "fee_rate": 1,
      "fee_basis": "range_minimum",
      "face_amount_required": 20202.02,
      "fee_dollars": 202.02,
      "cash_delivered_ratio": 0.99,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-PROSPER-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-prosper-range-midpoint-5000",
      "brand_name": "Prosper",
      "target_cash": 5000,
      "fee_rate": 5.495,
      "fee_basis": "range_midpoint",
      "face_amount_required": 5290.73,
      "fee_dollars": 290.73,
      "cash_delivered_ratio": 0.94505,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-PROSPER-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-prosper-range-midpoint-10000",
      "brand_name": "Prosper",
      "target_cash": 10000,
      "fee_rate": 5.495,
      "fee_basis": "range_midpoint",
      "face_amount_required": 10581.45,
      "fee_dollars": 581.45,
      "cash_delivered_ratio": 0.94505,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-PROSPER-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-prosper-range-midpoint-20000",
      "brand_name": "Prosper",
      "target_cash": 20000,
      "fee_rate": 5.495,
      "fee_basis": "range_midpoint",
      "face_amount_required": 21162.9,
      "fee_dollars": 1162.9,
      "cash_delivered_ratio": 0.94505,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-PROSPER-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-prosper-range-maximum-5000",
      "brand_name": "Prosper",
      "target_cash": 5000,
      "fee_rate": 9.99,
      "fee_basis": "range_maximum",
      "face_amount_required": 5554.94,
      "fee_dollars": 554.94,
      "cash_delivered_ratio": 0.9001,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-PROSPER-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-prosper-range-maximum-10000",
      "brand_name": "Prosper",
      "target_cash": 10000,
      "fee_rate": 9.99,
      "fee_basis": "range_maximum",
      "face_amount_required": 11109.88,
      "fee_dollars": 1109.88,
      "cash_delivered_ratio": 0.9001,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-PROSPER-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-prosper-range-maximum-20000",
      "brand_name": "Prosper",
      "target_cash": 20000,
      "fee_rate": 9.99,
      "fee_basis": "range_maximum",
      "face_amount_required": 22219.75,
      "fee_dollars": 2219.75,
      "cash_delivered_ratio": 0.9001,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-PROSPER-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-oportun-range-maximum-5000",
      "brand_name": "Oportun",
      "target_cash": 5000,
      "fee_rate": 10,
      "fee_basis": "range_maximum",
      "face_amount_required": 5555.56,
      "fee_dollars": 555.56,
      "cash_delivered_ratio": 0.9,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-OPORTUN-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-oportun-range-maximum-10000",
      "brand_name": "Oportun",
      "target_cash": 10000,
      "fee_rate": 10,
      "fee_basis": "range_maximum",
      "face_amount_required": 11111.11,
      "fee_dollars": 1111.11,
      "cash_delivered_ratio": 0.9,
      "within_published_amount_range": false,
      "unavailable_reason": "Required face amount exceeds the published maximum of $10,000.",
      "source_ids": [
        "PL-SRC-OPORTUN-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-oportun-range-maximum-20000",
      "brand_name": "Oportun",
      "target_cash": 20000,
      "fee_rate": 10,
      "fee_basis": "range_maximum",
      "face_amount_required": 22222.22,
      "fee_dollars": 2222.22,
      "cash_delivered_ratio": 0.9,
      "within_published_amount_range": false,
      "unavailable_reason": "Required face amount exceeds the published maximum of $10,000.",
      "source_ids": [
        "PL-SRC-OPORTUN-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-upstart-representative-example-5000",
      "brand_name": "Upstart",
      "target_cash": 5000,
      "fee_rate": 8.15,
      "fee_basis": "representative_example",
      "face_amount_required": 5443.66,
      "fee_dollars": 443.66,
      "cash_delivered_ratio": 0.9185,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-UPSTART-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-upstart-representative-example-10000",
      "brand_name": "Upstart",
      "target_cash": 10000,
      "fee_rate": 8.15,
      "fee_basis": "representative_example",
      "face_amount_required": 10887.32,
      "fee_dollars": 887.32,
      "cash_delivered_ratio": 0.9185,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-UPSTART-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-upstart-representative-example-20000",
      "brand_name": "Upstart",
      "target_cash": 20000,
      "fee_rate": 8.15,
      "fee_basis": "representative_example",
      "face_amount_required": 21774.63,
      "fee_dollars": 1774.63,
      "cash_delivered_ratio": 0.9185,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-UPSTART-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-happen-bank-range-minimum-5000",
      "brand_name": "Happen Bank",
      "target_cash": 5000,
      "fee_rate": 0,
      "fee_basis": "range_minimum",
      "face_amount_required": 5000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-HAPPEN-RATES-20260706"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-happen-bank-range-minimum-10000",
      "brand_name": "Happen Bank",
      "target_cash": 10000,
      "fee_rate": 0,
      "fee_basis": "range_minimum",
      "face_amount_required": 10000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-HAPPEN-RATES-20260706"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-happen-bank-range-minimum-20000",
      "brand_name": "Happen Bank",
      "target_cash": 20000,
      "fee_rate": 0,
      "fee_basis": "range_minimum",
      "face_amount_required": 20000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-HAPPEN-RATES-20260706"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-happen-bank-range-midpoint-5000",
      "brand_name": "Happen Bank",
      "target_cash": 5000,
      "fee_rate": 4,
      "fee_basis": "range_midpoint",
      "face_amount_required": 5208.33,
      "fee_dollars": 208.33,
      "cash_delivered_ratio": 0.96,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-HAPPEN-RATES-20260706"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-happen-bank-range-midpoint-10000",
      "brand_name": "Happen Bank",
      "target_cash": 10000,
      "fee_rate": 4,
      "fee_basis": "range_midpoint",
      "face_amount_required": 10416.67,
      "fee_dollars": 416.67,
      "cash_delivered_ratio": 0.96,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-HAPPEN-RATES-20260706"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-happen-bank-range-midpoint-20000",
      "brand_name": "Happen Bank",
      "target_cash": 20000,
      "fee_rate": 4,
      "fee_basis": "range_midpoint",
      "face_amount_required": 20833.33,
      "fee_dollars": 833.33,
      "cash_delivered_ratio": 0.96,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-HAPPEN-RATES-20260706"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-happen-bank-range-maximum-5000",
      "brand_name": "Happen Bank",
      "target_cash": 5000,
      "fee_rate": 8,
      "fee_basis": "range_maximum",
      "face_amount_required": 5434.78,
      "fee_dollars": 434.78,
      "cash_delivered_ratio": 0.92,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-HAPPEN-RATES-20260706"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-happen-bank-range-maximum-10000",
      "brand_name": "Happen Bank",
      "target_cash": 10000,
      "fee_rate": 8,
      "fee_basis": "range_maximum",
      "face_amount_required": 10869.57,
      "fee_dollars": 869.57,
      "cash_delivered_ratio": 0.92,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-HAPPEN-RATES-20260706"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-happen-bank-range-maximum-20000",
      "brand_name": "Happen Bank",
      "target_cash": 20000,
      "fee_rate": 8,
      "fee_basis": "range_maximum",
      "face_amount_required": 21739.13,
      "fee_dollars": 1739.13,
      "cash_delivered_ratio": 0.92,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-HAPPEN-RATES-20260706"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-sofi-range-minimum-5000",
      "brand_name": "SoFi",
      "target_cash": 5000,
      "fee_rate": 0,
      "fee_basis": "range_minimum",
      "face_amount_required": 5000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-SOFI-PRODUCT-20260716"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-sofi-range-minimum-10000",
      "brand_name": "SoFi",
      "target_cash": 10000,
      "fee_rate": 0,
      "fee_basis": "range_minimum",
      "face_amount_required": 10000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-SOFI-PRODUCT-20260716"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-sofi-range-minimum-20000",
      "brand_name": "SoFi",
      "target_cash": 20000,
      "fee_rate": 0,
      "fee_basis": "range_minimum",
      "face_amount_required": 20000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-SOFI-PRODUCT-20260716"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-sofi-range-midpoint-5000",
      "brand_name": "SoFi",
      "target_cash": 5000,
      "fee_rate": 3.5,
      "fee_basis": "range_midpoint",
      "face_amount_required": 5181.35,
      "fee_dollars": 181.35,
      "cash_delivered_ratio": 0.965,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-SOFI-PRODUCT-20260716"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-sofi-range-midpoint-10000",
      "brand_name": "SoFi",
      "target_cash": 10000,
      "fee_rate": 3.5,
      "fee_basis": "range_midpoint",
      "face_amount_required": 10362.69,
      "fee_dollars": 362.69,
      "cash_delivered_ratio": 0.965,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-SOFI-PRODUCT-20260716"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-sofi-range-midpoint-20000",
      "brand_name": "SoFi",
      "target_cash": 20000,
      "fee_rate": 3.5,
      "fee_basis": "range_midpoint",
      "face_amount_required": 20725.39,
      "fee_dollars": 725.39,
      "cash_delivered_ratio": 0.965,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-SOFI-PRODUCT-20260716"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-sofi-range-maximum-5000",
      "brand_name": "SoFi",
      "target_cash": 5000,
      "fee_rate": 7,
      "fee_basis": "range_maximum",
      "face_amount_required": 5376.34,
      "fee_dollars": 376.34,
      "cash_delivered_ratio": 0.93,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-SOFI-PRODUCT-20260716"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-sofi-range-maximum-10000",
      "brand_name": "SoFi",
      "target_cash": 10000,
      "fee_rate": 7,
      "fee_basis": "range_maximum",
      "face_amount_required": 10752.69,
      "fee_dollars": 752.69,
      "cash_delivered_ratio": 0.93,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-SOFI-PRODUCT-20260716"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-sofi-range-maximum-20000",
      "brand_name": "SoFi",
      "target_cash": 20000,
      "fee_rate": 7,
      "fee_basis": "range_maximum",
      "face_amount_required": 21505.38,
      "fee_dollars": 1505.38,
      "cash_delivered_ratio": 0.93,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-SOFI-PRODUCT-20260716"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-upgrade-range-minimum-5000",
      "brand_name": "Upgrade",
      "target_cash": 5000,
      "fee_rate": 1.85,
      "fee_basis": "range_minimum",
      "face_amount_required": 5094.24,
      "fee_dollars": 94.24,
      "cash_delivered_ratio": 0.9815,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-UPGRADE-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-upgrade-range-minimum-10000",
      "brand_name": "Upgrade",
      "target_cash": 10000,
      "fee_rate": 1.85,
      "fee_basis": "range_minimum",
      "face_amount_required": 10188.49,
      "fee_dollars": 188.49,
      "cash_delivered_ratio": 0.9815,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-UPGRADE-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-upgrade-range-minimum-20000",
      "brand_name": "Upgrade",
      "target_cash": 20000,
      "fee_rate": 1.85,
      "fee_basis": "range_minimum",
      "face_amount_required": 20376.97,
      "fee_dollars": 376.97,
      "cash_delivered_ratio": 0.9815,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-UPGRADE-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-upgrade-range-midpoint-5000",
      "brand_name": "Upgrade",
      "target_cash": 5000,
      "fee_rate": 5.92,
      "fee_basis": "range_midpoint",
      "face_amount_required": 5314.63,
      "fee_dollars": 314.63,
      "cash_delivered_ratio": 0.9408,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-UPGRADE-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-upgrade-range-midpoint-10000",
      "brand_name": "Upgrade",
      "target_cash": 10000,
      "fee_rate": 5.92,
      "fee_basis": "range_midpoint",
      "face_amount_required": 10629.25,
      "fee_dollars": 629.25,
      "cash_delivered_ratio": 0.9408,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-UPGRADE-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-upgrade-range-midpoint-20000",
      "brand_name": "Upgrade",
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      "fee_basis": "range_midpoint",
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      "unavailable_reason": null,
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        "PL-SRC-UPGRADE-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-upgrade-range-maximum-5000",
      "brand_name": "Upgrade",
      "target_cash": 5000,
      "fee_rate": 9.99,
      "fee_basis": "range_maximum",
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      "fee_dollars": 554.94,
      "cash_delivered_ratio": 0.9001,
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      "unavailable_reason": null,
      "source_ids": [
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      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-upgrade-range-maximum-10000",
      "brand_name": "Upgrade",
      "target_cash": 10000,
      "fee_rate": 9.99,
      "fee_basis": "range_maximum",
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      "cash_delivered_ratio": 0.9001,
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      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-UPGRADE-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-upgrade-range-maximum-20000",
      "brand_name": "Upgrade",
      "target_cash": 20000,
      "fee_rate": 9.99,
      "fee_basis": "range_maximum",
      "face_amount_required": 22219.75,
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      "cash_delivered_ratio": 0.9001,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-UPGRADE-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-best-egg-range-minimum-deducted-variant-5000",
      "brand_name": "Best Egg",
      "target_cash": 5000,
      "fee_rate": 0.99,
      "fee_basis": "range_minimum_deducted_variant",
      "face_amount_required": 5049.99,
      "fee_dollars": 49.99,
      "cash_delivered_ratio": 0.9901,
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      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-BESTEGG-PRODUCT-20260905",
        "PL-SRC-BESTEGG-FEES-20260213"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-best-egg-range-minimum-deducted-variant-10000",
      "brand_name": "Best Egg",
      "target_cash": 10000,
      "fee_rate": 0.99,
      "fee_basis": "range_minimum_deducted_variant",
      "face_amount_required": 10099.99,
      "fee_dollars": 99.99,
      "cash_delivered_ratio": 0.9901,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-BESTEGG-PRODUCT-20260905",
        "PL-SRC-BESTEGG-FEES-20260213"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-best-egg-range-minimum-deducted-variant-20000",
      "brand_name": "Best Egg",
      "target_cash": 20000,
      "fee_rate": 0.99,
      "fee_basis": "range_minimum_deducted_variant",
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      "fee_dollars": 199.98,
      "cash_delivered_ratio": 0.9901,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
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        "PL-SRC-BESTEGG-FEES-20260213"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-best-egg-range-midpoint-deducted-variant-5000",
      "brand_name": "Best Egg",
      "target_cash": 5000,
      "fee_rate": 5.49,
      "fee_basis": "range_midpoint_deducted_variant",
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      "fee_dollars": 290.45,
      "cash_delivered_ratio": 0.9451,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-BESTEGG-PRODUCT-20260905",
        "PL-SRC-BESTEGG-FEES-20260213"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-best-egg-range-midpoint-deducted-variant-10000",
      "brand_name": "Best Egg",
      "target_cash": 10000,
      "fee_rate": 5.49,
      "fee_basis": "range_midpoint_deducted_variant",
      "face_amount_required": 10580.89,
      "fee_dollars": 580.89,
      "cash_delivered_ratio": 0.9451,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
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        "PL-SRC-BESTEGG-FEES-20260213"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-best-egg-range-midpoint-deducted-variant-20000",
      "brand_name": "Best Egg",
      "target_cash": 20000,
      "fee_rate": 5.49,
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      "face_amount_required": 21161.78,
      "fee_dollars": 1161.78,
      "cash_delivered_ratio": 0.9451,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
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        "PL-SRC-BESTEGG-FEES-20260213"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-best-egg-range-maximum-deducted-variant-5000",
      "brand_name": "Best Egg",
      "target_cash": 5000,
      "fee_rate": 9.99,
      "fee_basis": "range_maximum_deducted_variant",
      "face_amount_required": 5554.94,
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      "cash_delivered_ratio": 0.9001,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-BESTEGG-PRODUCT-20260905",
        "PL-SRC-BESTEGG-FEES-20260213"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-best-egg-range-maximum-deducted-variant-10000",
      "brand_name": "Best Egg",
      "target_cash": 10000,
      "fee_rate": 9.99,
      "fee_basis": "range_maximum_deducted_variant",
      "face_amount_required": 11109.88,
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      "cash_delivered_ratio": 0.9001,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-BESTEGG-PRODUCT-20260905",
        "PL-SRC-BESTEGG-FEES-20260213"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-best-egg-range-maximum-deducted-variant-20000",
      "brand_name": "Best Egg",
      "target_cash": 20000,
      "fee_rate": 9.99,
      "fee_basis": "range_maximum_deducted_variant",
      "face_amount_required": 22219.75,
      "fee_dollars": 2219.75,
      "cash_delivered_ratio": 0.9001,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-BESTEGG-PRODUCT-20260905",
        "PL-SRC-BESTEGG-FEES-20260213"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-avant-range-maximum-5000",
      "brand_name": "Avant",
      "target_cash": 5000,
      "fee_rate": 9.99,
      "fee_basis": "range_maximum",
      "face_amount_required": 5554.94,
      "fee_dollars": 554.94,
      "cash_delivered_ratio": 0.9001,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-AVANT-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-avant-range-maximum-10000",
      "brand_name": "Avant",
      "target_cash": 10000,
      "fee_rate": 9.99,
      "fee_basis": "range_maximum",
      "face_amount_required": 11109.88,
      "fee_dollars": 1109.88,
      "cash_delivered_ratio": 0.9001,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-AVANT-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-avant-range-maximum-20000",
      "brand_name": "Avant",
      "target_cash": 20000,
      "fee_rate": 9.99,
      "fee_basis": "range_maximum",
      "face_amount_required": 22219.75,
      "fee_dollars": 2219.75,
      "cash_delivered_ratio": 0.9001,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-AVANT-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-lendingpoint-range-maximum-optional-deduction-5000",
      "brand_name": "LendingPoint",
      "target_cash": 5000,
      "fee_rate": 10,
      "fee_basis": "range_maximum_optional_deduction",
      "face_amount_required": 5555.56,
      "fee_dollars": 555.56,
      "cash_delivered_ratio": 0.9,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-LENDINGPOINT-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-lendingpoint-range-maximum-optional-deduction-10000",
      "brand_name": "LendingPoint",
      "target_cash": 10000,
      "fee_rate": 10,
      "fee_basis": "range_maximum_optional_deduction",
      "face_amount_required": 11111.11,
      "fee_dollars": 1111.11,
      "cash_delivered_ratio": 0.9,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-LENDINGPOINT-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-lendingpoint-range-maximum-optional-deduction-20000",
      "brand_name": "LendingPoint",
      "target_cash": 20000,
      "fee_rate": 10,
      "fee_basis": "range_maximum_optional_deduction",
      "face_amount_required": 22222.22,
      "fee_dollars": 2222.22,
      "cash_delivered_ratio": 0.9,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-LENDINGPOINT-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-discover-no-fee-variant-5000",
      "brand_name": "Discover",
      "target_cash": 5000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 5000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-DISCOVER-PRODUCT-20260824"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-discover-no-fee-variant-10000",
      "brand_name": "Discover",
      "target_cash": 10000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 10000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-DISCOVER-PRODUCT-20260824"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-discover-no-fee-variant-20000",
      "brand_name": "Discover",
      "target_cash": 20000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 20000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-DISCOVER-PRODUCT-20260824"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-wells-fargo-no-fee-variant-5000",
      "brand_name": "Wells Fargo",
      "target_cash": 5000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 5000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-WELLSFARGO-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-wells-fargo-no-fee-variant-10000",
      "brand_name": "Wells Fargo",
      "target_cash": 10000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 10000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-WELLSFARGO-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-wells-fargo-no-fee-variant-20000",
      "brand_name": "Wells Fargo",
      "target_cash": 20000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 20000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-WELLSFARGO-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-u-s-bank-no-fee-variant-5000",
      "brand_name": "U.S. Bank",
      "target_cash": 5000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 5000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-USBANK-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-u-s-bank-no-fee-variant-10000",
      "brand_name": "U.S. Bank",
      "target_cash": 10000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 10000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
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      "unavailable_reason": null,
      "source_ids": [
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      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-u-s-bank-no-fee-variant-20000",
      "brand_name": "U.S. Bank",
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      "fee_basis": "no_fee_variant",
      "face_amount_required": 20000,
      "fee_dollars": 0,
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      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-USBANK-PRODUCT-20260905"
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      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-pnc-no-fee-variant-5000",
      "brand_name": "PNC",
      "target_cash": 5000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 5000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-PNC-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-pnc-no-fee-variant-10000",
      "brand_name": "PNC",
      "target_cash": 10000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 10000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-PNC-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-pnc-no-fee-variant-20000",
      "brand_name": "PNC",
      "target_cash": 20000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 20000,
      "fee_dollars": 0,
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      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-PNC-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-citi-no-fee-variant-5000",
      "brand_name": "Citi",
      "target_cash": 5000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 5000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-CITI-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-citi-no-fee-variant-10000",
      "brand_name": "Citi",
      "target_cash": 10000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 10000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
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      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-CITI-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-citi-no-fee-variant-20000",
      "brand_name": "Citi",
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      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 20000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
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      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-CITI-PRODUCT-20260905"
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      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-alliant-credit-union-no-fee-variant-5000",
      "brand_name": "Alliant Credit Union",
      "target_cash": 5000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 5000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-ALLIANT-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-alliant-credit-union-no-fee-variant-10000",
      "brand_name": "Alliant Credit Union",
      "target_cash": 10000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 10000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
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      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-ALLIANT-PRODUCT-20260905"
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      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-alliant-credit-union-no-fee-variant-20000",
      "brand_name": "Alliant Credit Union",
      "target_cash": 20000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 20000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": true,
      "unavailable_reason": null,
      "source_ids": [
        "PL-SRC-ALLIANT-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-penfed-credit-union-no-fee-variant-5000",
      "brand_name": "PenFed Credit Union",
      "target_cash": 5000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 5000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": null,
      "unavailable_reason": "The reviewed source did not establish a published minimum amount.",
      "source_ids": [
        "PL-SRC-PENFED-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-penfed-credit-union-no-fee-variant-10000",
      "brand_name": "PenFed Credit Union",
      "target_cash": 10000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 10000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": null,
      "unavailable_reason": "The reviewed source did not establish a published minimum amount.",
      "source_ids": [
        "PL-SRC-PENFED-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    },
    {
      "scenario_id": "PL-SCENARIO-penfed-credit-union-no-fee-variant-20000",
      "brand_name": "PenFed Credit Union",
      "target_cash": 20000,
      "fee_rate": 0,
      "fee_basis": "no_fee_variant",
      "face_amount_required": 20000,
      "fee_dollars": 0,
      "cash_delivered_ratio": 1,
      "within_published_amount_range": null,
      "unavailable_reason": "The reviewed source did not establish a published minimum amount.",
      "source_ids": [
        "PL-SRC-PENFED-PRODUCT-20260905"
      ],
      "calculation_id": "PL-CASH-DELIVERY-1.0"
    }
  ]
}