{
  "title": "Savings account rate-history records for AI evaluation",
  "source_page": "https://fiund.com/industries/savings-account-rate-history-data",
  "authorship": "Original fictional Fiund editorial exercise. No actual operating records or third-party source assets are included.",
  "example": {
    "title": "A later advertised yield cannot overwrite an earlier product disclosure",
    "context": "Two fictional savings products have synthetic dated rate fields. The exercise does not calculate customer interest, describe a current offer or recommend an account.",
    "records": [
      [
        "SH1",
        "Product S disclosure",
        "From days 1–19: annual interest-rate field 1.00%, APY field 1.01%. From day 20: rate 1.20%, APY 1.21%. Figures invented."
      ],
      [
        "SH2",
        "Statement card",
        "Product S, period days 5–15, reported interest 3 practice units. No balance history or calculation basis supplied."
      ],
      [
        "SH3",
        "Advertisement",
        "Published day 12 for different product S-Plus, APY 2.00%. No link changing Product S's disclosure."
      ]
    ],
    "question": "Which dated rate and APY fields match S's statement period, and can the advertisement or later notice explain its reported interest?",
    "answer": "SH1's days-1–19 disclosure matches SH2's days-5–15 period, supporting the fictional 1.00% rate and 1.01% APY fields. The day-20 change starts afterward, and SH3 advertises a different product. Neither replaces that historical S disclosure. SH2 lacks balance and calculation details, so its three-unit reported interest cannot be independently verified from these fields alone. Keep rate, APY and posted interest distinct.",
    "failureModes": [
      "Using a current advertisement for a different product to describe a historical statement period.",
      "Treating rate, APY and reported interest as interchangeable values or sufficient calculation inputs."
    ],
    "fields": [
      [
        "Product and disclosure interval",
        "Defines historical applicability."
      ],
      [
        "Rate versus APY label",
        "Preserves the meaning of each percentage."
      ],
      [
        "Statement period and calculation evidence",
        "Separates reported output from verification inputs."
      ]
    ],
    "holdout": "Extend the statement through day 25. Require both disclosure intervals to be identified and the calculation evidence gap to remain open.",
    "boundary": "Use fictional products and original cards. Exclude depositor data, active pricing plans and account decisions."
  }
}