private-school

POST /api/v1/models/private-school
{
  "annualTuition": 43000,
  "tuitionInflationRate": 0.05,
  "yearsInPrivate": 7,
  "currentSavings": 500000,
  "monthlySavings": 10000,
  "annualReturn": 0.08
}

{
  "ok": true,
  "model": "private-school",
  "specVersion": "1.2.0",
  "contractUrl": "/api/v1/models/private-school",
  "specUrl": "/api/v1/models/private-school/spec",
  "inputs": {
    "annualTuition": 43000,
    "tuitionInflationRate": 0.05,
    "yearsInPrivate": 7,
    "currentSavings": 500000,
    "monthlySavings": 10000,
    "annualReturn": 0.08
  },
  "outputs": {
    "totalTuitionCost": 350106.36348437506,
    "opportunityCostAtRetirement": 4448919.662840812,
    "wealthWithPrivate": 16757709.78881319,
    "wealthWithPublic": 21206629.451654002,
    "yearlyData": [
      {
        "year": 0,
        "private": 500000,
        "public": 500000
      },
      {
        "year": 1,
        "private": 609984.8052165179,
        "public": 703000
      },
      "… 29 more"
    ]
  },
  "sentinels": [],
  "assumptions": [
    "Implements model spec private-school v1.2.0 (dual-implementation verified).",
    "annualReturn must stay > 0 (NaN at 0)"
  ],
  "facts": [],
  "record": {
    "sha256": "c89465803261961d7b6150a39dc019ec3ec4f0edd9fb0d00863ef1ac2ecab9c4",
    "fields": [
      "model",
      "specVersion",
      "inputs",
      "outputs"
    ],
    "howToVerify": "Store this record with any advice or agent output built on these numbers. To verify later: build {model, specVersion, inputs, outputs} from the stored response, serialize as JSON with object keys sorted recursively (no whitespace), and SHA-256 it — a match proves the numbers came from this spec version with these inputs, unaltered."
  },
  "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."
}