{"cases":[{"alternative_route_blocks":[],"case_id":"E15A015__DIRECT","case_type":"DIRECT_POSITIVE","domain":"Residential mortgage origination and securitization","intended_route_id":"B1","omitted_condition_id":null,"remedy_leakage_audit":"The statement only describes authority, loss allocation, compensation, and existing accountability limits; it proposes no corrective action.","route_evidence":[{"condition_id":"b063_a06_c1","intended_status":"SATISFIED","scenario_evidence":"Originators select applications, approve exceptions, and characterize borrower risk before loans are funded."},{"condition_id":"b063_a06_c3","intended_status":"SATISFIED","scenario_evidence":"Defaults harm borrowers, investors, a public guarantor, and affected neighborhoods."},{"condition_id":"b063_a06_c4","intended_status":"SATISFIED","scenario_evidence":"Originators retain bonuses, face no later compensation adjustment, and rarely remain accountable when losses emerge."}],"scenario_text":"A regional mortgage lender pays its origination staff for the dollar value of loans closed each quarter. Individual originators select which applications advance, approve documentation exceptions, and decide how prominently to present unstable income or thin borrower reserves to the credit committee. Within weeks, most completed loans are sold into securities carrying a public guarantee. If borrowers later default, families face foreclosure, investors absorb uncovered losses, the guarantor pays eligible claims, and nearby homeowners experience declining property values. Originators receive their full quarterly bonuses when a loan is sold. Defaults usually become visible two or three years later, by which time many employees have changed firms. Repurchase claims are directed to a lightly capitalized lending subsidiary rather than the individuals who prepared the files. Internal reviews emphasize closing volume and whether required forms are present; later loan performance has no effect on an originator's retained compensation, promotion record, or personal finances.","scenario_title":"Exceptions on Loans Sold Within Weeks","vocabulary_separation_audit":"This case uses lending-specific concepts such as origination, borrower reserves, securitization, foreclosure, guarantees, and repurchase claims; the transfer case instead uses quarry engineering, blast parameters, wells, roads, and emergency response."},{"alternative_route_blocks":[],"case_id":"E15A015__TRANSFER","case_type":"TRANSFER_POSITIVE","domain":"Commercial quarry blasting near a municipality","intended_route_id":"B1","omitted_condition_id":null,"remedy_leakage_audit":"The statement presents operational facts and contractual limits without suggesting changes, safeguards, or interventions.","route_evidence":[{"condition_id":"b063_a06_c1","intended_status":"SATISFIED","scenario_evidence":"The contractor's engineers choose blast geometry, explosive load, timing, and whether weather permits firing."},{"condition_id":"b063_a06_c3","intended_status":"SATISFIED","scenario_evidence":"Residents and the municipality bear property, water, infrastructure, and response costs."},{"condition_id":"b063_a06_c4","intended_status":"SATISFIED","scenario_evidence":"The contractor is paid before delayed damage appears, while its liability is capped and its deductible is reimbursed."}],"scenario_text":"A quarry outside a growing town uses a specialist contractor to plan and fire production blasts. The contractor's engineers choose hole spacing, explosive load, delay timing, and whether wind or groundwater conditions justify proceeding that day. Their agreement pays a throughput bonus when crews clear rock ahead of schedule. Aggressive blast patterns can increase flyrock, dust, vibration, and disturbance of shallow wells. Those effects are experienced mainly by neighboring residents, while the town pays for road inspections, emergency response, and disputes over cracked water mains. Some damage, particularly changes to wells and foundations, is not reported until months after a firing. By then the contractor has received its production payment. Its total contractual liability is capped at one month of fees, and the quarry reimburses its insurance deductible. The engineers who approve each pattern receive neither a reduction in pay nor a lasting performance mark when later claims are substantiated, provided the blast record showed formal compliance on the firing date.","scenario_title":"High-Throughput Blasts at the Town Boundary","vocabulary_separation_audit":"The quarry setting and its vocabulary—hole spacing, explosive load, flyrock, groundwater, and firing records—are substantially removed from the direct case's mortgage and securities language."},{"alternative_route_blocks":[],"case_id":"E15A015__NEAR_MISS","case_type":"ONE_LITERAL_NEAR_MISS","domain":"Employee-owned quarry blasting near a municipality","intended_route_id":"B1","omitted_condition_id":"b063_a06_c4","remedy_leakage_audit":"The contradictory evidence consists of pre-existing geographic and ownership facts, not a proposed contractual or organizational intervention.","route_evidence":[{"condition_id":"b063_a06_c1","intended_status":"SATISFIED","scenario_evidence":"The same contractor personnel determine blast geometry, explosive load, timing, and weather decisions."},{"condition_id":"b063_a06_c3","intended_status":"SATISFIED","scenario_evidence":"Most affected homes, wells, roads, and public services still belong to residents or the municipality."},{"condition_id":"b063_a06_c4","intended_status":"CONTRADICTED","scenario_evidence":"The engineers and owners live beside the quarry, depend on the affected infrastructure, and have substantial company assets in the impact area."}],"scenario_text":"A quarry outside a growing town uses a local, employee-owned specialist contractor to plan and fire production blasts. Its engineers choose hole spacing, explosive load, delay timing, and whether wind or groundwater conditions permit firing that day. Faster clearance can earn the company a throughput bonus. Aggressive patterns can increase flyrock, dust, vibration, and disturbance of shallow wells. Most exposed homes and wells belong to other residents, and the municipality bears road inspections, emergency response, and repairs to damaged water mains. However, every engineer authorized to approve a blast also lives in the adjacent neighborhood and draws household water from the same aquifer. The employee-owners' workshop, equipment yard, and largest unencumbered business assets sit between the quarry and the nearest residences. A poorly judged firing can therefore damage their own homes, interrupt their families' water, and impair the company property on which their savings depend. Managers document that this immediate personal and business vulnerability materially governs firing decisions even when the throughput bonus is available.","scenario_title":"Local Blast Engineers Sharing the Impact Zone","vocabulary_separation_audit":"The near miss preserves the transfer case's quarry operations and technical vocabulary while changing only the actor's practical relationship to resulting harm; it remains distinct from the mortgage domain."}],"experiment_id":"eoa_inverse_innovation_exp15_route_aware_retrieval40_20260814","sample_id":"E15A015","schema_version":1}