{
  "version": 1,
  "currency": "EUR",
  "horizon_months": 24,
  "monthly_discount_rate_pct": "1.0",
  "required_improvement_factor": "1.05",
  "profiles": [
    {
      "id": "solo-builder",
      "name": "Solo builder",
      "segment": "coulomb-social-members",
      "eligible_model_ids": [
        "flat-899-eur-monthly",
        "membership-plus-credits",
        "membership-plus-overage"
      ],
      "members_per_customer": 1,
      "expected_monthly_usage_units": "48200",
      "usage_variance_pct": "20",
      "monthly_churn_pct": "6.0",
      "monthly_default_pct": "1.0",
      "monthly_support_cost": "0.25",
      "monthly_risk_cost": "0.10",
      "acquisition_cost": "2.00",
      "upfront_investment_cost": "0.00",
      "allocated_fixed_cost": "5.00",
      "notes": "Calibrated from the current founding-member usage record and payment ledger."
    },
    {
      "id": "small-team",
      "name": "Small product team",
      "segment": "coulomb-social-members",
      "eligible_model_ids": [
        "flat-899-eur-monthly",
        "membership-plus-credits",
        "membership-plus-overage"
      ],
      "members_per_customer": 3,
      "expected_monthly_usage_units": "180000",
      "usage_variance_pct": "35",
      "monthly_churn_pct": "3.5",
      "monthly_default_pct": "1.0",
      "monthly_support_cost": "1.50",
      "monthly_risk_cost": "0.20",
      "acquisition_cost": "8.00",
      "upfront_investment_cost": "1.50",
      "allocated_fixed_cost": "12.00",
      "notes": "Hypothesis scenario for a higher-usage small team considering a multi-seat relationship."
    }
  ],
  "sensitivity_cases": [
    {
      "id": "usage-downside",
      "name": "Usage downside",
      "usage_multiplier": "0.75",
      "monthly_churn_delta_pct": "1.5",
      "monthly_risk_cost_delta": "0.05"
    },
    {
      "id": "usage-upside",
      "name": "Usage upside",
      "usage_multiplier": "1.35",
      "usage_variance_delta_pct": "10.0"
    },
    {
      "id": "risk-spike",
      "name": "Risk spike",
      "usage_multiplier": "1.00",
      "monthly_churn_delta_pct": "3.0",
      "monthly_default_delta_pct": "1.0",
      "monthly_support_cost_delta": "0.25",
      "monthly_risk_cost_delta": "0.20"
    }
  ],
  "notes": "First-pass comparable-customer LTV assumptions for the Coulomb observatory. These scenarios are meant for simulation and comparison, not billing execution."
}