{"free": {"price_usd": 0, "available": true, "checks": ["buying_power_floor", "cash_floor", "daily_spend_cap", "fees_above_headline", "max_concentration_pct", "max_positions", "per_transaction_cap", "require_stop", "total_price_cap"]}, "watch": {"price_usd": 15, "available": false, "withheld_reason": "calendar feed not licensed", "checks": ["buying_power_floor", "cash_floor", "covered_call_required", "daily_spend_cap", "expiry_window_days", "fees_above_headline", "max_concentration_pct", "max_positions", "per_transaction_cap", "require_stop", "structure_matches_broker", "total_price_cap"]}, "desk": {"price_usd": 20, "available": true, "withheld_reason": null, "calendar": "not_licensed", "checks": ["buying_power_floor", "cash_floor", "claims_match_broker", "covered_call_required", "daily_spend_cap", "expiry_window_days", "fees_above_headline", "free_cancellation_min_hours", "max_concentration_pct", "max_positions", "merchant_allowlist", "merchant_denylist", "no_auto_renew", "page_text_consistency", "per_transaction_cap", "refundable_required", "renewal_price_cap", "require_stop", "structure_matches_broker", "total_price_cap", "trial_end_min_days"]}, "tools": {"check_book": ["buying_power_floor", "cash_floor", "claims_match_broker", "covered_call_required", "daily_spend_cap", "expiry_window_days", "fees_above_headline", "free_cancellation_min_hours", "max_concentration_pct", "max_positions", "merchant_allowlist", "merchant_denylist", "no_auto_renew", "no_event_inside_expiry", "page_text_consistency", "per_transaction_cap", "refundable_required", "renewal_price_cap", "require_stop", "structure_matches_broker", "total_price_cap", "trial_end_min_days"], "audit_claims": ["claims_match_broker"]}, "notice": "A zero-flag result with verdict NOT_VERIFIED is not a pass, and a response with coverage_complete false is not full coverage under any verdict; read coverage.not_ran before the flag count."}