{
  "schemaVersion": 1,
  "edition": "2026-10-27",
  "status": "fictional-control-cases",
  "currency": "USD",
  "cases": [
    {
      "id": "cash-f01",
      "tool": "fees",
      "title": "Ten payments, ten fixed fees",
      "scenario": "Ten $100 payments. Hypothetical schedule: 2.9% + $0.30 per payment.",
      "input": {
        "amounts": [
          100,
          100,
          100,
          100,
          100,
          100,
          100,
          100,
          100,
          100
        ],
        "schedule": {
          "pct": 2.9,
          "fixed": 0.3
        }
      },
      "expected": {
        "total": 32
      },
      "proof": "10 × ($100 × 0.029 + $0.30) = $32.",
      "units": "USD",
      "limit": "Hypothetical schedules only, not any provider’s current rate or a recommendation.",
      "toolPath": "/invoice-payment-fee-calculator/"
    },
    {
      "id": "cash-f02",
      "tool": "fees",
      "title": "A cap is per payment",
      "scenario": "Ten $100 payments. Hypothetical schedule: 0.8%, capped at $5 per payment.",
      "input": {
        "amounts": [
          100,
          100,
          100,
          100,
          100,
          100,
          100,
          100,
          100,
          100
        ],
        "schedule": {
          "pct": 0.8,
          "cap": 5
        }
      },
      "expected": {
        "total": 8
      },
      "proof": "10 × min($100 × 0.008, $5) = $8.",
      "units": "USD",
      "limit": "Hypothetical schedules only, not any provider’s current rate or a recommendation.",
      "toolPath": "/invoice-payment-fee-calculator/"
    },
    {
      "id": "cash-f03",
      "tool": "fees",
      "title": "Cap on the percentage only",
      "scenario": "$1,000 payment; 0.8% capped at $5, plus $0.30 outside the cap.",
      "input": {
        "amount": 1000,
        "schedule": {
          "pct": 0.8,
          "fixed": 0.3,
          "cap": 5,
          "capScope": "percent"
        }
      },
      "expected": {
        "fee": 5.3
      },
      "proof": "min($1,000 × 0.008, $5) + $0.30 = $5.30.",
      "units": "USD",
      "limit": "Hypothetical schedules only, not any provider’s current rate or a recommendation.",
      "toolPath": "/invoice-payment-fee-calculator/"
    },
    {
      "id": "cash-f04",
      "tool": "fees",
      "title": "Cap on the entire base fee",
      "scenario": "Same payment and nominal fees; the $5 cap covers percentage plus fixed fee.",
      "input": {
        "amount": 1000,
        "schedule": {
          "pct": 0.8,
          "fixed": 0.3,
          "cap": 5,
          "capScope": "total"
        }
      },
      "expected": {
        "fee": 5
      },
      "proof": "min($1,000 × 0.008 + $0.30, $5) = $5.00.",
      "units": "USD",
      "limit": "Cap scope changes the result; extra layers, if any, are separate. Hypothetical schedules only, not any provider’s current rate or a recommendation.",
      "toolPath": "/invoice-payment-fee-calculator/"
    },
    {
      "id": "cash-s01",
      "tool": "switch",
      "title": "Cash cost and time are different",
      "scenario": "12 months at $60, two old months at $40, one-off $370, ten hours valued at $35.",
      "input": {
        "months": 12,
        "newPlan": {
          "billing": "monthly",
          "price": 60
        },
        "oldPlan": {
          "monthly": 40,
          "monthsLeft": 2
        },
        "oneOff": [
          {
            "label": "Export",
            "amount": 100
          },
          {
            "label": "Setup",
            "amount": 150
          },
          {
            "label": "Training",
            "amount": 120
          }
        ],
        "hours": 10,
        "hourlyRate": 35,
        "keep": {
          "billing": "monthly",
          "price": 40
        }
      },
      "expected": {
        "cash": 1170,
        "time": 350,
        "economic": 1520,
        "baseline": 480,
        "deltaCash": 690
      },
      "proof": "$60 × 12 + $40 × 2 + $370 = $1,170 cash. Add 10 × $35 = $350 time for $1,520 economic cost.",
      "units": "USD",
      "limit": "Hypothetical inputs, no vendor promise or measured saving. Time is not cash spent.",
      "toolPath": "/accounting-software-switch-cost-worksheet/"
    },
    {
      "id": "cash-a01",
      "tool": "aging",
      "title": "Pending payment does not reduce open A/R",
      "scenario": "$1,000 invoice, $200 cleared, $100 credit, $50 pending; 30 days past due at October 31.",
      "input": {
        "asOf": "2026-10-31",
        "invoices": [
          {
            "id": "fictional-invoice",
            "issuedOn": "2026-09-01",
            "dueDate": "2026-10-01",
            "amountCents": 100000,
            "payments": [
              {
                "id": "cleared",
                "date": "2026-10-20",
                "amountCents": 20000,
                "status": "cleared"
              },
              {
                "id": "pending",
                "date": "2026-10-30",
                "amountCents": 5000,
                "status": "pending"
              }
            ],
            "credits": [
              {
                "id": "credit",
                "date": "2026-10-10",
                "amountCents": 10000
              }
            ]
          }
        ]
      },
      "expected": {
        "openCents": 70000,
        "pendingCents": 5000,
        "daysPastDue": 30
      },
      "proof": "$1,000 − $200 − $100 = $700 open. The $50 pending stays separate until cleared.",
      "units": "integer USD cents",
      "limit": "Aging is not collection assurance. The example is fictional.",
      "toolPath": "/accounts-receivable-aging-template/"
    }
  ]
}