{
    "judgments": [
        {
            "dependent": "merchant_city",
            "decision": "approve",
            "confidence": 0.9,
            "reason_code": "stable_reference_mapping",
            "reason_refers_to": null,
            "rationale": "A zip code maps to one city by postal convention. The rule survived heavy repetition and every measured coordinate (date, card, client, merchant) moved inside zips without the city moving.",
            "request_escalation": false,
            "claims": {
                "repetition": "repeated_owners",
                "population": "measured_eligible_rows",
                "collision": null,
                "scope_claim": {
                    "basis": "observed_in_evidence",
                    "coordinates": [
                        "date",
                        "merchant_id",
                        "card_id",
                        "client_id"
                    ],
                    "evidence_refs": [
                        "measured_shape.coordinate_diversity"
                    ]
                },
                "evidence_refs": [
                    "candidate",
                    "measured_shape",
                    "classifier_hints"
                ]
            },
            "scope": {
                "owning_determinant": [
                    "zip"
                ],
                "interpretation": "entity_property",
                "population": "all_eligible_rows",
                "conditions": [],
                "basis": "A postal code is a geographic unit located in one city. Rows are transactions, but the merchant location is carried by the zip and stayed fixed across date, card, client and merchant variation.",
                "evidence": [
                    "candidate",
                    "measured_shape",
                    "classifier_hints",
                    "other_columns_in_this_table"
                ]
            }
        },
        {
            "dependent": "merchant_state",
            "decision": "approve",
            "confidence": 0.93,
            "reason_code": "stable_reference_mapping",
            "reason_refers_to": null,
            "rationale": "A zip code lies in one state by postal convention. The rule survived heavy repetition and every measured coordinate varied inside zips without the state moving.",
            "request_escalation": false,
            "claims": {
                "repetition": "repeated_owners",
                "population": "measured_eligible_rows",
                "collision": null,
                "scope_claim": {
                    "basis": "observed_in_evidence",
                    "coordinates": [
                        "date",
                        "merchant_id",
                        "card_id",
                        "client_id"
                    ],
                    "evidence_refs": [
                        "measured_shape.coordinate_diversity"
                    ]
                },
                "evidence_refs": [
                    "candidate",
                    "measured_shape",
                    "classifier_hints"
                ]
            },
            "scope": {
                "owning_determinant": [
                    "zip"
                ],
                "interpretation": "entity_property",
                "population": "all_eligible_rows",
                "conditions": [],
                "basis": "State is a coarser geographic level than zip, fixed by postal geography. Date, card, client and merchant all varied inside zips with the state constant, so no transaction coordinate owns it.",
                "evidence": [
                    "candidate",
                    "measured_shape",
                    "classifier_hints",
                    "other_columns_in_this_table"
                ]
            }
        }
    ]
}