{
  "version": "1.0.0",
  "prepared_on": "2026-09-09",
  "publisher": "PopaDex",
  "status": "A reproducible evaluation protocol, not completed independent or competitor testing.",
  "protocol_url": "https://popadex.com/blog-resources#evaluation-protocol",
  "fixture_url": "https://popadex.com/assets/data/net-worth-worked-example.json",
  "fire_fixture_url": "https://popadex.com/assets/data/fire-balance-sheet-example.json",
  "demo_url": "https://app.popadex.com/demo?locale=en",
  "demo_caveat": "The public demo uses separate fictional data. Its totals need not match the fixed test fixture.",
  "record_before_testing": ["Product and plan", "Test date", "Country", "Browser and version", "Reporting currency", "Manual versus connected entry", "Reviewer identity and any commercial relationship"],
  "steps": [
    {"id": "manual_entry", "action": "In an authorized test account, enter the five fictional balances. Use the documented debt convention for that product.", "record": "Supported account types, entry steps and any unsupported workflow. Do not use real bank credentials for this manual test."},
    {"id": "valuation", "action": "If the product allows these fixed EUR rates, use EUR 1.00, USD 0.90 and GBP 1.15 per unit. Otherwise record its own rates and date and recompute the expectation.", "expected_under_fixed_rates": "EUR 182,500 net worth", "record": "Rate source, valuation time, rounding and signed liabilities. Do not call a different market rate an arithmetic failure."},
    {"id": "currency_change", "action": "Where supported, change only USD from 0.90 to 0.95 EUR per unit. Leave account balances unchanged.", "expected_under_fixed_rates": "EUR 183,500 net worth; EUR 1,000 change without a deposit", "record": "Whether currency effects can be distinguished from contributions. Mark unsupported controls accurately."},
    {"id": "access", "action": "Inspect whether the product can distinguish current balance tracking from retirement-account access. The separate worksheet sets pension/home access to zero and a EUR 2,000 cash reserve.", "expected_for_separate_worksheet": "EUR 26,000 selected accessible assets; not liquid net worth or an after-tax retirement budget", "record": "What is native product behavior versus a standalone worksheet assumption. No claim of automatic worksheet import."},
    {"id": "ownership", "action": "Determine whether the product supports ownership shares or requires preallocated balances. Do not assume either behavior.", "record": "Household scope, possible double counting and limitations. Do not count a full joint account and both owners' shares."},
    {"id": "export", "action": "If an export is available, inspect its fields and currency/valuation representation. Do not infer that export implies re-import or transaction migration.", "record": "Format, retained fields, missing fields and whether round-trip import was actually tested."},
    {"id": "repeat", "action": "Update a balance in the same authorized test account and inspect history and persistence.", "record": "Observed behavior, screenshots of fictional data only and limitations."},
    {"id": "claims", "action": "Recheck the current checkout offer, plan restrictions, supported bank/account coverage and security scope.", "record": "Link to dated primary evidence. Mark untested bank sync as untested. Do not substitute desk research for a hands-on test."}
  ],
  "result_labels": ["Observed in this test", "Not supported in this tested plan", "Not tested", "Unable to determine"],
  "editorial_terms": "Independent conclusions welcome. No obligation to publish, link or be positive. Disclose relevant access, sponsorship or affiliate relationships. Paid links must be appropriately qualified."
}