{
  "customer_id": "cus_01HZBUDEXAMPLE",
  "generated_at": "2026-05-25T09:15:00Z",
  "window": {
    "from": "2026-02-25",
    "to": "2026-05-25",
    "months_covered": 3
  },
  "income": {
    "monthly_average": 3850.00,
    "currency": "GBP",
    "sources": [
      {"name": "Salary - Acme Ltd", "monthly_average": 3500.00, "confidence": 0.97},
      {"name": "Universal Credit", "monthly_average": 350.00, "confidence": 0.88}
    ]
  },
  "expenditure": {
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    "currency": "GBP",
    "breakdown": [
      {"category": "housing", "monthly_average": 1100.00},
      {"category": "utilities", "monthly_average": 220.00},
      {"category": "groceries", "monthly_average": 480.00},
      {"category": "transport", "monthly_average": 180.00},
      {"category": "subscriptions", "monthly_average": 95.00},
      {"category": "debt-repayment", "monthly_average": 410.00},
      {"category": "discretionary", "monthly_average": 475.00}
    ]
  },
  "disposable_income": 890.00,
  "risk_insights": {
    "unauthorised_overdraft_events_90d": 0,
    "gambling_spend_90d": 12.00,
    "essential_spend_ratio": 0.61
  }
}