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Eight financial task-rule families

Authored application rules define T1 income-shock consumption, T2 medical-expense funding, T3 purchase funding, T4 loan terms, T5 liquid saving versus risky assets, T6 multiple-debt payments, T7 repayment difficulty and restructuring, and T8 asset sale or refinancing.

Each rule specifies visible information, legal options and the corresponding state or ledger transition. Independently assigned synthetic examples can instantiate these interfaces without copying survey households or attribute blocks.

The one-shot task suite executed a household-instantiated grid of 45,473 cases per language, based on 207 reused financial parent records. Across two models and two languages, it produced 181,892 one-shot choices. Those survey-derived cases remain restricted; the authored rule designs and reported non-identifying aggregates are separable research materials. The separate T3 application scales one task to 12M distinct synthetic households.

The separate synthetic example package contains 20 independent RNG-assigned households × eight authored task designs × two conditions = 320 unlabeled inputs. It provides no observed respondent attributes, answer labels, model predictions or monthly ledger outcomes. Its assigned task settings illustrate the interface; they do not reproduce the paper's execution cohorts.

Public companion and current manuscript

The independently synthetic household companion provides 2M constructed households and 32,000 unlabeled inputs from 2,000 households × 8 tasks × 2 conditions. It is a separate research companion and is not the survey-derived bank or an additional count toward the paper's 500M resource.

The current v36 manuscript first reports how shocks change purchases, end cash and actual debt payments relative to matching unshocked conditions, then relates those changes to the 30k-minus-20k purchase-goal gap. Paper and public research materials.

This existing repository retains its restricted survey-derived files and source-survey terms. The public synthetic packages have their own component-specific terms. S²-MAS Datasets · S²-MAS Models.

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