{"book_asymmetry_distribution":[],"carrier_id":null,"cer_runtime_export":{"decision_count":1,"decisions":[{"bind_phase":"LEGACY","decision_id":"934d973222308bdd","insured_slug":"demo","transfer_aligned":false}],"schema":"velaru-cer-export-v1","transfer_aligned_count":0,"transfer_aligned_ratio":0.0},"cross_platform_entries":[],"disclaimer":"Anonymized behavioral signals \u2014 not filed loss development. For actuarial correlation study with carrier loss triangles.","entry_count":0,"generated_at":"2026-08-18T22:58:41.698422Z","insurance_lines":["E&O","Consumer finance"],"schema_version":"velaru-galactic-actuarial-1.0","tam_note":"Grey-adjacent consumer finance \u00b7 impulse borrow","vertical_key":"payday_lending","vertical_name":"Payday Lending / EWA Credit"}