{
  "version": "1.0.0",
  "scope": "Hypothetical equal-month fixed-dollar card plans; no new purchases, promotional rate changes, minimum-payment rules, rollover, other charges, daily interest or discounting. Withheld fee financed once. Full precision; display rounding only. APR column is annualized monthly cash-flow IRR (12 times monthly rate), not certification of a legal APR disclosure.",
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