{
  "type": "object",
  "$schema": "https://json-structure.org/meta/core/v0/#",
  "$id": "https://raw.githubusercontent.com/api-evangelist/allianz-docs/refs/heads/main/json-structure/api-connect-rating-factors-response-structure.json",
  "description": "Detailed premium breakdown and rating factors for an estimate",
  "properties": {
    "estimate_id": {
      "type": "string",
      "description": "Unique identifier for the estimate",
      "example": "est-500123"
    },
    "base_premium": {
      "type": "double",
      "description": "Base premium before adjustments",
      "example": 980.0
    },
    "risk_loading": {
      "type": "double",
      "description": "Additional risk-based premium loading",
      "example": 200.0
    },
    "discounts": {
      "type": "double",
      "description": "Applied discounts",
      "example": 50.0
    },
    "stamp_duty": {
      "type": "double",
      "description": "Government stamp duty",
      "example": 120.0
    },
    "annual_premium": {
      "type": "double",
      "description": "Final annual premium after all adjustments",
      "example": 1250.0
    },
    "currency": {
      "type": "string",
      "description": "Currency code",
      "example": "AUD"
    },
    "factors": {
      "type": "array",
      "description": "List of individual rating factors applied",
      "items": {
        "$ref": "#/components/schemas/RatingFactor"
      }
    }
  },
  "name": "RatingFactorsResponse"
}