{
  "requestId": "DHD-REQ-2026-774512",
  "applicationId": "APP-2026-0042891",
  "scoreDate": "2026-05-02T14:23:08Z",
  "riskScore": 142,
  "riskCategory": "Low Risk",
  "scoreConfidence": 0.91,
  "dataAvailability": {
    "ehrDataAvailable": true,
    "claimsDataAvailable": true,
    "rxDataAvailable": true,
    "labDataAvailable": false
  },
  "healthSignals": [
    {
      "signalType": "Diagnosis",
      "code": "Z87.891",
      "description": "Personal history of nicotine dependence - last tobacco use 8 years ago, currently non-smoker.",
      "riskContribution": 18
    },
    {
      "signalType": "Medication",
      "code": "NDC-00069-0245-66",
      "description": "Statin medication for cholesterol management - well-controlled.",
      "riskContribution": 12
    }
  ],
  "recommendation": "Accelerated Underwriting",
  "processingTimeMs": 312
}