{
  "schema_version": 1,
  "prepared_on": "2026-11-05",
  "publisher": "PopaDex",
  "status": "prepared_not_executed",
  "scope": "Authenticated four-product benchmark; no completed tracker-account results are claimed.",
  "relationship": "Publisher owns PopaDex; record reviewer independence and any review access.",
  "protocol_url": "https://popadex.com/assets/data/net-worth-review-protocol.json",
  "fixtures": {
    "single_currency_baseline": "https://popadex.com/assets/data/net-worth-calculator-check-20261021.json",
    "multicurrency": "https://popadex.com/assets/data/net-worth-worked-example.json"
  },
  "cases": [
    {
      "id": "manual_usd",
      "name": "Create the same five-account USD balance sheet",
      "fixture": "single_currency_baseline",
      "expected_net_worth": 182500,
      "currency": "USD"
    },
    {
      "id": "balance_update",
      "name": "Increase taxable investments by USD 1000",
      "fixture": "single_currency_baseline",
      "expected_net_worth": 183500,
      "currency": "USD"
    },
    {
      "id": "saved_history",
      "name": "Reload and sign back in; inspect dated balances and history",
      "expected_net_worth": null
    },
    {
      "id": "export",
      "name": "Export and inspect account labels, currency, balance and valuation date",
      "expected_net_worth": null
    },
    {
      "id": "multicurrency",
      "name": "Enter the EUR/USD/GBP fixture where supported; record actual exchange rates",
      "fixture": "multicurrency",
      "expected_net_worth_under_fixed_rates": 182500,
      "currency": "EUR"
    },
    {
      "id": "fx_only",
      "name": "Change only USD from 0.90 to 0.95 EUR per unit where the product allows it",
      "fixture": "multicurrency",
      "expected_change_under_fixed_rates": 1000,
      "expected_net_worth_under_fixed_rates": 183500,
      "currency": "EUR"
    },
    {
      "id": "mobile_check_in",
      "name": "Repeat a manual check-in on the product mobile surface; identify store app or web app",
      "expected_net_worth": null
    },
    {
      "id": "offer_and_access",
      "name": "Record displayed plan, storefront and access limits without making a purchase",
      "expected_net_worth": null
    }
  ],
  "results": [
    {
      "product": "PopaDex",
      "case_id": "manual_usd",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "PopaDex",
      "case_id": "balance_update",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "PopaDex",
      "case_id": "saved_history",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "PopaDex",
      "case_id": "export",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "PopaDex",
      "case_id": "multicurrency",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "PopaDex",
      "case_id": "fx_only",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "PopaDex",
      "case_id": "mobile_check_in",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "PopaDex",
      "case_id": "offer_and_access",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Kubera",
      "case_id": "manual_usd",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Kubera",
      "case_id": "balance_update",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Kubera",
      "case_id": "saved_history",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Kubera",
      "case_id": "export",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Kubera",
      "case_id": "multicurrency",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Kubera",
      "case_id": "fx_only",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Kubera",
      "case_id": "mobile_check_in",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Kubera",
      "case_id": "offer_and_access",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Monarch Money",
      "case_id": "manual_usd",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Monarch Money",
      "case_id": "balance_update",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Monarch Money",
      "case_id": "saved_history",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Monarch Money",
      "case_id": "export",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Monarch Money",
      "case_id": "multicurrency",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Monarch Money",
      "case_id": "fx_only",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Monarch Money",
      "case_id": "mobile_check_in",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Monarch Money",
      "case_id": "offer_and_access",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Empower",
      "case_id": "manual_usd",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Empower",
      "case_id": "balance_update",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Empower",
      "case_id": "saved_history",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Empower",
      "case_id": "export",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Empower",
      "case_id": "multicurrency",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Empower",
      "case_id": "fx_only",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Empower",
      "case_id": "mobile_check_in",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    },
    {
      "product": "Empower",
      "case_id": "offer_and_access",
      "status": "not_tested",
      "reviewer": null,
      "tested_at": null,
      "product_plan": null,
      "surface": null,
      "device_and_os": null,
      "evidence_urls": [],
      "actual_observation": null
    }
  ],
  "result_requirements": {
    "observed": [
      "reviewer",
      "tested_at",
      "product_plan",
      "surface",
      "device_and_os",
      "evidence_urls",
      "actual_observation"
    ],
    "not_tested": "Use null for all observed outputs. Expected fixture values must never be copied into actual results.",
    "unsupported": "Requires an observed restriction on the named tested plan and surface; lack of access is not proof of unsupported behavior."
  }
}