{
  "schema_version": "1.0",
  "table": "underwriting-readiness",
  "period": "2026-03",
  "synthetic": true,
  "records": [
    {
      "underwriting_event_id": "UW-2026-03-0001",
      "applicant_id": "APP-0029",
      "review_date": "2026-03-20",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0002",
      "applicant_id": "APP-3001",
      "review_date": "2026-03-09",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0003",
      "applicant_id": "APP-0005",
      "review_date": "2026-03-07",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0004",
      "applicant_id": "APP-3003",
      "review_date": "2026-03-26",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0005",
      "applicant_id": "APP-0031",
      "review_date": "2026-03-11",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0006",
      "applicant_id": "APP-3005",
      "review_date": "2026-03-02",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0007",
      "applicant_id": "APP-0007",
      "review_date": "2026-03-23",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0008",
      "applicant_id": "APP-3007",
      "review_date": "2026-03-27",
      "readiness_area": "applicant response",
      "readiness_status": "watch",
      "outcome": "waiting",
      "review_complexity": "4",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on applicant response after review request.",
      "review_note": "Follow-up owner and age threshold needed.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0009",
      "applicant_id": "APP-0033",
      "review_date": "2026-03-08",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0010",
      "applicant_id": "APP-3009",
      "review_date": "2026-03-14",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0011",
      "applicant_id": "APP-0009",
      "review_date": "2026-03-18",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0012",
      "applicant_id": "APP-3011",
      "review_date": "2026-03-25",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0013",
      "applicant_id": "APP-0035",
      "review_date": "2026-03-03",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0014",
      "applicant_id": "APP-3013",
      "review_date": "2026-03-07",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0015",
      "applicant_id": "APP-0011",
      "review_date": "2026-03-04",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0016",
      "applicant_id": "APP-3015",
      "review_date": "2026-03-24",
      "readiness_area": "applicant response",
      "readiness_status": "watch",
      "outcome": "waiting",
      "review_complexity": "4",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on applicant response after review request.",
      "review_note": "Follow-up owner and age threshold needed.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0017",
      "applicant_id": "APP-0037",
      "review_date": "2026-03-01",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0018",
      "applicant_id": "APP-3017",
      "review_date": "2026-03-19",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0019",
      "applicant_id": "APP-0013",
      "review_date": "2026-03-08",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0020",
      "applicant_id": "APP-3019",
      "review_date": "2026-03-21",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0021",
      "applicant_id": "APP-0039",
      "review_date": "2026-03-17",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0022",
      "applicant_id": "APP-3021",
      "review_date": "2026-03-08",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0023",
      "applicant_id": "APP-0015",
      "review_date": "2026-03-03",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0024",
      "applicant_id": "APP-3023",
      "review_date": "2026-03-15",
      "readiness_area": "applicant response",
      "readiness_status": "watch",
      "outcome": "waiting",
      "review_complexity": "4",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on applicant response after review request.",
      "review_note": "Follow-up owner and age threshold needed.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0025",
      "applicant_id": "APP-0041",
      "review_date": "2026-03-18",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0026",
      "applicant_id": "APP-3025",
      "review_date": "2026-03-16",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0027",
      "applicant_id": "APP-0017",
      "review_date": "2026-03-18",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0028",
      "applicant_id": "APP-3027",
      "review_date": "2026-03-17",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0029",
      "applicant_id": "APP-0043",
      "review_date": "2026-03-10",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0030",
      "applicant_id": "APP-3029",
      "review_date": "2026-03-21",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0031",
      "applicant_id": "APP-0019",
      "review_date": "2026-03-11",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0032",
      "applicant_id": "APP-3031",
      "review_date": "2026-03-22",
      "readiness_area": "applicant response",
      "readiness_status": "watch",
      "outcome": "waiting",
      "review_complexity": "4",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on applicant response after review request.",
      "review_note": "Follow-up owner and age threshold needed.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0033",
      "applicant_id": "APP-0045",
      "review_date": "2026-03-26",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0034",
      "applicant_id": "APP-3033",
      "review_date": "2026-03-29",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0035",
      "applicant_id": "APP-0021",
      "review_date": "2026-03-14",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0036",
      "applicant_id": "APP-3035",
      "review_date": "2026-03-16",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0037",
      "applicant_id": "APP-0047",
      "review_date": "2026-03-02",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0038",
      "applicant_id": "APP-3037",
      "review_date": "2026-03-04",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0039",
      "applicant_id": "APP-0023",
      "review_date": "2026-03-14",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0040",
      "applicant_id": "APP-3039",
      "review_date": "2026-03-27",
      "readiness_area": "applicant response",
      "readiness_status": "watch",
      "outcome": "waiting",
      "review_complexity": "4",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on applicant response after review request.",
      "review_note": "Follow-up owner and age threshold needed.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0041",
      "applicant_id": "APP-0049",
      "review_date": "2026-03-21",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-03-0042",
      "applicant_id": "APP-3041",
      "review_date": "2026-03-12",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    }
  ]
}