{
  "type": "object",
  "properties": {
    "section": {
      "type": "string",
      "enum": [
        "all",
        "overview",
        "regulatory",
        "investment",
        "expenses",
        "payouts",
        "tax",
        "distribution"
      ],
      "default": "all",
      "description": "Which part of the product profile to focus the text on — one of 'all', 'overview', 'regulatory', 'investment', 'expenses', 'payouts', 'tax', 'distribution' (default 'all'). The full overview card always renders regardless."
    }
  },
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "alternative": {
      "type": "string",
      "enum": [
        "fixed_annuity",
        "variable_annuity",
        "indexed_annuity",
        "target_date_fund",
        "managed_payout_fund",
        "all"
      ],
      "description": "Which product type to compare Savvly against. Use EXACTLY one of: 'fixed_annuity', 'variable_annuity', 'indexed_annuity', 'target_date_fund', 'managed_payout_fund', or 'all' for the full matrix. Pick a SPECIFIC annuity subtype — there is no generic 'annuity'."
    }
  },
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "current_age": {
      "type": "integer",
      "minimum": 18,
      "maximum": 75,
      "default": 40,
      "description": "Investor's current age (default 40). Min 18 (the projection matrix floor); max 75 (max enrollment age)"
    },
    "funding_amount": {
      "type": "number",
      "minimum": 100,
      "default": 10000,
      "description": "Lump sum investment in USD (default 10000)"
    },
    "average_return": {
      "type": "integer",
      "minimum": 1,
      "maximum": 15,
      "default": 8,
      "description": "Expected average annual S&P 500 return % (default 8)"
    },
    "withdrawal_age": {
      "type": "integer",
      "minimum": 18,
      "maximum": 120,
      "default": 82,
      "description": "Early-withdrawal age (default 82) — drives `early_withdrawal_value` and `total_payout_at_withdrawal_age_*` in the response"
    }
  },
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "current_age": {
      "type": "integer",
      "minimum": 18,
      "maximum": 75,
      "default": 40,
      "description": "Investor's current age (default 40). Min 18 (the projection matrix floor); max 75 (max enrollment age)"
    },
    "monthly_amount": {
      "type": "number",
      "minimum": 10,
      "default": 100,
      "description": "Monthly deposit in USD (default 100)"
    },
    "contribution_years": {
      "type": "integer",
      "minimum": 1,
      "maximum": 55,
      "description": "Number of years contributing. Omit to use a sensible default of min(27, 80 − current_age) — 27 for the canonical age-40 scenario, and always small enough that contributions finish by age 80 (the advisor limit). If you pass an explicit value, current_age + contribution_years must be ≤ 80."
    },
    "average_return": {
      "type": "integer",
      "minimum": 1,
      "maximum": 15,
      "default": 8,
      "description": "Expected average annual S&P 500 return % (default 8)"
    },
    "installment_increase_percentage": {
      "type": "number",
      "minimum": 0,
      "maximum": 20,
      "description": "Optional annual % increase applied to monthly contributions"
    },
    "withdrawal_age": {
      "type": "integer",
      "minimum": 18,
      "maximum": 120,
      "default": 82,
      "description": "Early-withdrawal age (default 82) — drives `early_withdrawal_value` and `total_payout_at_withdrawal_age_*` in the response"
    }
  },
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "current_age": {
      "type": "integer",
      "minimum": 18,
      "maximum": 75,
      "default": 40,
      "description": "Current age (default 40)"
    },
    "retirement_age": {
      "type": "integer",
      "minimum": 50,
      "maximum": 80,
      "default": 68,
      "description": "Planned retirement age (default 68)"
    },
    "life_expectancy": {
      "type": "integer",
      "minimum": 60,
      "maximum": 120,
      "default": 100,
      "description": "Planning horizon (default 100)"
    },
    "monthly_contribution": {
      "type": "number",
      "minimum": 0,
      "default": 1000,
      "description": "Monthly retirement contribution in USD (default 1000)"
    },
    "current_retirement_savings": {
      "type": "number",
      "minimum": 0,
      "default": 60000,
      "description": "Current total retirement savings in USD (default 60000)"
    },
    "monthly_paycheck": {
      "type": "number",
      "minimum": 0,
      "default": 4500,
      "description": "Desired monthly retirement paycheck in USD (default 4500)"
    },
    "other_retirement_income": {
      "type": "number",
      "minimum": 0,
      "default": 1600,
      "description": "Other monthly retirement income in USD (default 1600)"
    },
    "annual_income_increase": {
      "type": "number",
      "minimum": 0,
      "maximum": 20,
      "default": 2,
      "description": "Annual contribution % increase (default 2)"
    },
    "percentage_in_savvly": {
      "type": "number",
      "minimum": 0,
      "maximum": 50,
      "default": 5,
      "description": "Percentage of the retirement portfolio allocated to Savvly (default 5)"
    },
    "pre_retirement_return": {
      "type": "number",
      "default": 6,
      "description": "Expected pre-retirement annual return % (default 6)"
    },
    "post_retirement_return": {
      "type": "number",
      "default": 5,
      "description": "Expected post-retirement annual return % (default 5)"
    },
    "inflation_rate": {
      "type": "number",
      "default": 3,
      "description": "Expected annual inflation rate % (default 3)"
    }
  },
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer",
      "description": "Person's current age"
    },
    "us_resident": {
      "type": "boolean",
      "default": true,
      "description": "Whether the person is a US resident"
    },
    "channel": {
      "type": "string",
      "enum": [
        "individual",
        "employer",
        "advisor"
      ],
      "default": "individual",
      "description": "Distribution channel — one of 'individual', 'employer', 'advisor' (default 'individual')."
    }
  },
  "required": [
    "age"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "section": {
      "type": "string",
      "enum": [
        "all",
        "understanding-savvly",
        "investment-custody",
        "payouts",
        "withdrawals-estate",
        "expenses-cost",
        "tax-legacy",
        "employer-portability",
        "safety-regulatory"
      ],
      "default": "all",
      "description": "Filter the FAQ to one section (kebab-case, e.g. 'tax-legacy'); 'all' returns every entry."
    }
  },
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "audience": {
      "type": "string",
      "enum": [
        "employee",
        "advisor",
        "broker",
        "employer",
        "universal",
        "general"
      ],
      "description": "Restrict to one stakeholder audience. Use EXACTLY one of: 'employee', 'advisor', 'broker', 'employer', 'universal', or 'general' ('general' is the factual FAQ). Omit to search across all audiences."
    },
    "section": {
      "type": "string",
      "description": "Substring match against section slugs (e.g. 'tax', 'retention', 'eligibility'). Case-insensitive."
    },
    "query": {
      "type": "string",
      "description": "Free-text search over questions, answers, and footnotes (case-insensitive). Multi-word queries match entries containing ANY of the words, ranked by relevance."
    },
    "limit": {
      "type": "integer",
      "minimum": 1,
      "maximum": 50,
      "default": 20,
      "description": "Cap on matched entries returned. Default 20, max 50."
    }
  },
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}