{
  "schemaVersion": 1,
  "systems": [
    {
      "id": "cash-flow-resilience",
      "name": {
        "en": "Cash flow and resilience",
        "es": "Flujo de efectivo y resiliencia",
        "ja": "資金繰りと耐久力"
      },
      "promise": {
        "en": "Protect essential cash flow, then build enough runway to keep choices open.",
        "es": "Protege el flujo esencial y luego crea margen para mantener opciones.",
        "ja": "必要な資金繰りを守り、選択肢を保つ余裕を作ります。"
      },
      "intentPath": [
        "learn",
        "calculate",
        "decide",
        "act",
        "monitor"
      ],
      "formulaIds": [
        "emergency-runway-v1"
      ],
      "dataSeriesIds": [
        "us-household-wellbeing"
      ],
      "actionIds": [
        "build-budget",
        "build-private-route"
      ]
    },
    {
      "id": "debt-credit-control",
      "name": {
        "en": "Debt and credit control",
        "es": "Control de deuda y crédito",
        "ja": "負債とクレジット管理"
      },
      "promise": {
        "en": "Protect required payments, expose financing cost, and choose a sustainable repayment rule.",
        "es": "Protege pagos requeridos, muestra el costo y elige una regla sostenible.",
        "ja": "必要な支払いを守り、資金調達費用を確認し、続けられる返済規則を選びます。"
      },
      "intentPath": [
        "learn",
        "calculate",
        "decide",
        "act",
        "monitor"
      ],
      "formulaIds": [
        "debt-priority-v1",
        "amortization-payment-v1",
        "reserve-gap-v1",
        "minimum-payment-progress-v1",
        "balance-transfer-break-even-v1",
        "debt-consolidation-break-even-v1"
      ],
      "dataSeriesIds": [],
      "actionIds": [
        "compare-debt-cash-flow",
        "calculate-credit-card-payoff",
        "calculate-loan-repayment"
      ]
    },
    {
      "id": "income-portability",
      "name": {
        "en": "Income portability",
        "es": "Portabilidad de ingresos",
        "ja": "収入のポータビリティ"
      },
      "promise": {
        "en": "Compare income by buyer, location, system, and household cost—not by label alone.",
        "es": "Compara ingresos por comprador, lugar, sistema y costo del hogar, no solo por etiqueta.",
        "ja": "名称ではなく、買い手、場所、仕組み、家計費用で収入を比べます。"
      },
      "intentPath": [
        "learn",
        "calculate",
        "decide",
        "act",
        "monitor"
      ],
      "formulaIds": [
        "income-concentration-v1"
      ],
      "dataSeriesIds": [],
      "actionIds": [
        "review-income-concentration",
        "build-private-route"
      ]
    },
    {
      "id": "inflation-real-returns",
      "name": {
        "en": "Inflation and real returns",
        "es": "Inflación y rendimientos reales",
        "ja": "インフレと実質収益"
      },
      "promise": {
        "en": "Separate published inflation from personal exposure, then test purchasing power and real return.",
        "es": "Separa la inflación publicada de la exposición personal y prueba poder adquisitivo y rendimiento real.",
        "ja": "公表インフレと個人の負担を分け、購買力と実質収益を検証します。"
      },
      "intentPath": [
        "learn",
        "calculate",
        "decide",
        "act",
        "monitor"
      ],
      "formulaIds": [
        "personal-inflation-v1",
        "real-return-v1"
      ],
      "dataSeriesIds": [
        "us-cpi",
        "us-pce-price-index",
        "us-policy-rate"
      ],
      "actionIds": [
        "build-budget",
        "calculate-investment-growth"
      ]
    },
    {
      "id": "investment-policy",
      "name": {
        "en": "Investment policy",
        "es": "Política de inversión",
        "ja": "投資方針"
      },
      "promise": {
        "en": "Define purpose, horizon, capacity, allocation, and review rules before choosing products.",
        "es": "Define propósito, horizonte, capacidad, asignación y revisión antes de escoger productos.",
        "ja": "商品より先に、目的、期間、余力、配分、見直し規則を決めます。"
      },
      "intentPath": [
        "learn",
        "calculate",
        "decide",
        "act",
        "monitor"
      ],
      "formulaIds": [
        "compound-growth-v1",
        "real-return-v1"
      ],
      "dataSeriesIds": [],
      "actionIds": [
        "calculate-investment-growth",
        "review-investment-policy"
      ]
    },
    {
      "id": "reversible-commitments",
      "name": {
        "en": "Reversible commitments",
        "es": "Compromisos reversibles",
        "ja": "可逆的な確約"
      },
      "promise": {
        "en": "Match evidence, test size, and exit planning to the cost of being wrong.",
        "es": "Ajusta evidencia, prueba y salida al costo de equivocarse.",
        "ja": "誤った場合の費用に合わせて根拠、テスト規模、退出計画を変えます。"
      },
      "intentPath": [
        "learn",
        "calculate",
        "decide",
        "act",
        "monitor"
      ],
      "formulaIds": [
        "reversibility-score-v1"
      ],
      "dataSeriesIds": [],
      "actionIds": [
        "build-private-route",
        "review-investment-policy"
      ]
    }
  ]
}