Unsecured consumer variants
===========================

Run ``consumer_variants.py`` or installed ``run_consumer_variants()`` in R.
The new customer has no internal arrears history. A future record is excluded;
missing remains missing. The existing customer has a genuinely observed zero.
A bank must choose an applicable model or refer insufficient evidence separately.

Two old loans require monthly payments 300 and 200. Before consolidation the
household obligation is 500. Once the replacement loan is funded but old repayments
are not yet confirmed, the known obligation is 850. After dated confirmation of
both closed zero balances, it is 350. Proposed refinancing is never treated as
completed repayment, and knowledge dates preserve earlier views.

A separately supplied complete early repayment settles 10,000 principal and actual
30-day interest at 6%. Conditional exposure after settlement and at the following
month end is zero. First-payment default and later default retain distinct source
event identifiers. Incomplete follow-up without default leaves the outcome unknown.
All facts and payment scenarios are synthetic, openly supplied JSON inputs.
These are product variant components, not full model validation.
