{
  "trace_id": "trace_refund_a1007",
  "agent_id": "urn:acgp:agent:refund-review:prod:7f4c9d2a",
  "prior_debt": 0.20,
  "delta": 0.10,
  "new_debt": 0.30,
  "accumulation_reason": "flag",
  "thresholds": {
    "elevated_monitoring": 0.30,
    "restricted_mode": 0.50,
    "re_tiering_review": 0.75
  },
  "triggered_thresholds": [
    "elevated_monitoring"
  ]
}