{"model":"credit-card-minimum","specVersion":"1.0.0","specUrl":"/api/v1/models/credit-card-minimum/spec","inputs":{"balance":{"kind":"float","min":500,"max":100000},"apr":{"kind":"float","min":0.05,"max":0.36},"minPaymentPct":{"kind":"float","min":0.01,"max":0.05},"minPaymentFloor":{"kind":"float","min":15,"max":50},"fixedPayment":{"kind":"float","min":25,"max":5000}},"arrayInputs":{},"constraints":["minimumNeverPaysOff / fixedNeverPaysOff (booleans) are the authoritative never-pays-off signals; when true, that path's months and interest are truncated at the 1200-month horizon — never compare months to 1200."],"sentinels":[],"facts":[],"disclaimer":"Illustrative planning model, not financial advice. Outputs follow the published model spec exactly; read the spec for assumptions and exclusions before relying on any number."}