{
  "title": "Reinsurance treaty layer records for AI review",
  "source_page": "https://fiund.com/industries/reinsurance-treaty-layer-data",
  "authorship": "Original fictional Fiund editorial exercise. No actual operating records or third-party source assets are included.",
  "example": {
    "title": "A reused layer label needs the correct treaty and year",
    "context": "Two fictional treaty schedules contain simple document labels and arbitrary practice amounts. They contain no cedent, counterparty, real claim or operative treaty wording.",
    "records": [
      [
        "RL1",
        "Treaty T, year Y1 exhibit",
        "Layer L2, scope label OLD, valid for exercise year Y1 only."
      ],
      [
        "RL2",
        "Treaty T, year Y2 exhibit",
        "Layer L2, scope label NEW, valid for Y2. Loss summary A explicitly references T/Y2/L2 and this exhibit."
      ],
      [
        "RL3",
        "Loss summary B packet",
        "B references T/Y2/L2 but attaches only the Y1 exhibit. No Y2 attachment or authorized equivalence statement supplied."
      ]
    ],
    "question": "Which exhibit supports A's document review, and why does B's matching layer label not close its evidence gap?",
    "answer": "RL2 matches A across treaty T, year Y2 and layer L2, so the Y2 exhibit supports its stated document association. RL3 attaches RL1's Y1 exhibit to a Y2 reference. The reused L2 label does not make the old-year scope current or equivalent; request the correct Y2 exhibit or authorized clarification. This identifies a period mismatch without deciding loss allocation, recoverability, pricing or coverage under a real agreement.",
    "failureModes": [
      "Joining exhibits by layer label while ignoring treaty year.",
      "Using an expired scope label to fill a missing current exhibit without authorization."
    ],
    "fields": [
      [
        "Treaty, year and layer",
        "Defines the exact document key."
      ],
      [
        "Exhibit validity and cited scope",
        "Preserves the period-specific source."
      ],
      [
        "Loss-summary reference and missing attachment",
        "Exposes the association gap."
      ]
    ],
    "holdout": "Provide a Y2 exhibit for another treaty with the same L2 label. Require the treaty mismatch to remain unresolved.",
    "boundary": "Use independently written mock exhibits. Exclude actual losses, reserves, wordings and pricing models; retain all contractual judgments with authorized reviewers."
  }
}