{
  "version": "1.0.0",
  "prepared_on": "2026-09-09",
  "not_customer_data": true,
  "reporting_currency": "EUR",
  "valuation_basis": "Fictional snapshot with illustrative fixed exchange rates, not live market quotes.",
  "methodology_url": "https://popadex.com/fire-tracker-app/#balance-sheet",
  "rows": [
    {"id": "cash", "name": "Cash", "balance": 10000, "currency": "EUR", "eur_per_unit": 1, "ownership_share": 1, "accessible_share": 1, "reserved_eur": 2000, "expected_owned_eur": 10000, "expected_selected_eur": 8000},
    {"id": "investments", "name": "Taxable investments", "balance": 20000, "currency": "USD", "eur_per_unit": 0.9, "ownership_share": 1, "accessible_share": 1, "reserved_eur": 0, "expected_owned_eur": 18000, "expected_selected_eur": 18000},
    {"id": "pension", "name": "Pension", "balance": 30000, "currency": "GBP", "eur_per_unit": 1.15, "ownership_share": 1, "accessible_share": 0, "reserved_eur": 0, "expected_owned_eur": 34500, "expected_selected_eur": 0},
    {"id": "home", "name": "Home", "balance": 300000, "currency": "EUR", "eur_per_unit": 1, "ownership_share": 1, "accessible_share": 0, "reserved_eur": 0, "expected_owned_eur": 300000, "expected_selected_eur": 0},
    {"id": "mortgage", "name": "Mortgage", "balance": -180000, "currency": "EUR", "eur_per_unit": 1, "ownership_share": 1, "accessible_share": 0, "reserved_eur": 0, "expected_owned_eur": -180000, "expected_selected_eur": 0}
  ],
  "expected_net_worth_eur": 182500,
  "expected_selected_accessible_assets_eur": 26000,
  "fx_scenario": {"row_id": "investments", "new_eur_per_unit": 0.95, "expected_net_worth_eur": 183500, "expected_selected_accessible_assets_eur": 27000},
  "limitations": [
    "Selected accessible assets are not liquid net worth. All liabilities remain in total net worth; debt repayment, taxes, fees and future spending must be assessed separately.",
    "Accessible share is a user assumption, not a country-specific pension access rule or a withdrawal recommendation.",
    "Reserved amounts are in EUR after ownership and accessible-share adjustments. Do not reserve the same expense twice.",
    "Use either whole-household balances once at 100% ownership or correctly allocated personal shares, not both.",
    "The worksheet has no live bank connection, FX feed, tax model, expected returns or retirement date. It is not a verified import format for PopaDex.",
    "No customer balances or personal account information are used."
  ]
}