{"schemaVersion":"1.0","modelVersion":"cash-strategy-1.0","lastReviewed":"2026-09-12","purpose":"Educational comparison of cash availability, fixed-rate locking and flexible-rate scenarios.","categories":{"observedData":["current bank deposit APYs","current CD APYs","current Treasury yields"],"userInputs":["cash amount","account location","access date","spending","dependable income","known costs","reserve"],"scenarioAssumptions":["future rate direction","rate-change magnitude","rate-change timing"],"modelingConventions":["monthly compounding","nominal flexible-rate floor of zero","bank income subject to entered federal and state rates","Treasury income subject to entered federal rate only"]},"formulas":{"immediateCashNeeded":"max(0, included 12-month spending and obligations + contingency reserve - dependable income - dependable external liquidity)","eligibleCash":"max(0, current cash - immediate cash needed)","liquidityCoverageRatio":"current cash / immediate cash needed","approximateDurationPriceChange":"-duration in years * yield change in percentage points * principal / 100"},"recommendationStates":["improve-account","keep-available","lock-known-need","build-ladder","no-clear-move"],"limitations":["Not financial, investment, tax or legal advice","Does not predict future rates","Does not model every product restriction, penalty, credit risk or tax rule","Direct-security maturity values must not be applied to bond funds"]}