{
 "server": "com.numeratica/mcp",
 "url": "https://api.numeratica.com/mcp",
 "verdict": "unstable (heavy drift)",
 "current_tool_count": 76,
 "tools_ever_seen": 76,
 "drift_events": 76,
 "findings_by_severity": {},
 "last_probe": {
  "status": "OK",
  "n_tools": 76,
  "ran_at": "2026-10-23T00:17:43.435Z"
 },
 "current_tools": [
  "annuity",
  "benefits_dependent_care",
  "benefits_health_plan",
  "capital_market_assumptions",
  "cashflow_npv_irr",
  "college_savings",
  "contribution_limits",
  "debt_payoff",
  "debt_vs_invest",
  "education_529_to_roth",
  "education_aid_estimate",
  "education_student_loan",
  "education_student_loan_refi",
  "equity_comp_espp",
  "equity_comp_iso",
  "equity_comp_iso_amt_capacity",
  "equity_comp_iso_schedule",
  "equity_comp_nso",
  "equity_comp_nua",
  "equity_comp_rsu",
  "equity_comp_section_83b",
  "goal_funding",
  "healthcare_aca_optimize",
  "healthcare_costs",
  "inflation_adjust",
  "inherited_ira",
  "insurance_disability_needs",
  "insurance_life_needs",
  "insurance_long_term_care",
  "ira_eligibility",
  "loan_amortization",
  "longevity",
  "medicare_irmaa",
  "medicare_late_enrollment_penalty",
  "mortgage_affordability",
  "mortgage_points",
  "mortgage_refinance",
  "mortgage_rent_vs_buy",
  "mortgage_term_comparison",
  "pension_lump_sum_vs_annuity",
  "portfolio_glidepath",
  "portfolio_rebalance",
  "retirement_accumulation_projection",
  "retirement_backdoor_roth",
  "retirement_hsa",
  "retirement_monte_carlo",
  "retirement_qlac",
  "retirement_rmd",
  "retirement_savings_target",
  "retirement_self_employed",
  "retirement_sepp",
  "retirement_survivor_scenario",
  "retirement_withdrawal_sequencing",
  "retirement_withdrawal_strategy",
  "roth_conversion",
  "roth_vs_traditional",
  "savings_waterfall",
  "social_security",
  "social_security_couple_claim",
  "tax_asset_location",
  "tax_bracket_room",
  "tax_estimate",
  "tax_estimated_tax",
  "tax_filing_status",
  "tax_gain_harvesting",
  "tax_liquidation_schedule",
  "tax_marginal_map",
  "tax_qcd_plan",
  "tax_qsbs_exclusion",
  "tax_s_corp_salary",
  "tax_social_security_benefits",
  "tax_state_income",
  "tax_survivor_transition",
  "tax_tlh_benefit",
  "tax_w4_checkup",
  "tvm"
 ],
 "drift": [
  {
   "tool": "annuity",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "benefits_dependent_care",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "benefits_health_plan",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "capital_market_assumptions",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "cashflow_npv_irr",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "college_savings",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "contribution_limits",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "debt_payoff",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "debt_vs_invest",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "education_529_to_roth",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "education_aid_estimate",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "education_student_loan",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "education_student_loan_refi",
   "kind": "mutated",
   "severity": "high",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "equity_comp_espp",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "equity_comp_iso",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "equity_comp_iso_amt_capacity",
   "kind": "mutated",
   "severity": "high",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "equity_comp_iso_schedule",
   "kind": "mutated",
   "severity": "high",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "equity_comp_nso",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "equity_comp_nua",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "equity_comp_rsu",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "equity_comp_section_83b",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "goal_funding",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "healthcare_aca_optimize",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "healthcare_costs",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "inflation_adjust",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "inherited_ira",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "insurance_disability_needs",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "insurance_life_needs",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "insurance_long_term_care",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "ira_eligibility",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "loan_amortization",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "longevity",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "medicare_irmaa",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "medicare_late_enrollment_penalty",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "mortgage_affordability",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "mortgage_points",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "mortgage_refinance",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "mortgage_rent_vs_buy",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "mortgage_term_comparison",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "pension_lump_sum_vs_annuity",
   "kind": "mutated",
   "severity": "high",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "portfolio_glidepath",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "portfolio_rebalance",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "retirement_accumulation_projection",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "retirement_backdoor_roth",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "retirement_hsa",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "retirement_monte_carlo",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "retirement_qlac",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "retirement_rmd",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "retirement_savings_target",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "retirement_self_employed",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "retirement_sepp",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "retirement_survivor_scenario",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "retirement_withdrawal_sequencing",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "retirement_withdrawal_strategy",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "roth_conversion",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "roth_vs_traditional",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "savings_waterfall",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "social_security",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "social_security_couple_claim",
   "kind": "mutated",
   "severity": "high",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_asset_location",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_bracket_room",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_estimate",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_estimated_tax",
   "kind": "mutated",
   "severity": "high",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_filing_status",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_gain_harvesting",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_liquidation_schedule",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_marginal_map",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_qcd_plan",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_qsbs_exclusion",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_s_corp_salary",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_social_security_benefits",
   "kind": "mutated",
   "severity": "high",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_state_income",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_survivor_transition",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_tlh_benefit",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_w4_checkup",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tvm",
   "kind": "mutated",
   "severity": "medium",
   "detected_at": "2026-10-23T00:17:43.435Z"
  }
 ],
 "findings": [
  {
   "tool": "education_student_loan_refi",
   "detector": "cross_tool_reference",
   "severity": "high",
   "field": "description",
   "evidence": "references sibling tool 'education_student_loan'",
   "seen_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "equity_comp_iso_amt_capacity",
   "detector": "cross_tool_reference",
   "severity": "high",
   "field": "description",
   "evidence": "references sibling tool 'equity_comp_iso'",
   "seen_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "equity_comp_iso_schedule",
   "detector": "cross_tool_reference",
   "severity": "high",
   "field": "description",
   "evidence": "references sibling tool 'equity_comp_iso'",
   "seen_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "pension_lump_sum_vs_annuity",
   "detector": "cross_tool_reference",
   "severity": "high",
   "field": "description",
   "evidence": "references sibling tool 'annuity'",
   "seen_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "social_security_couple_claim",
   "detector": "cross_tool_reference",
   "severity": "high",
   "field": "description",
   "evidence": "references sibling tool 'social_security'",
   "seen_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_estimated_tax",
   "detector": "cross_tool_reference",
   "severity": "high",
   "field": "description",
   "evidence": "references sibling tool 'tax_estimate'",
   "seen_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "tool": "tax_social_security_benefits",
   "detector": "cross_tool_reference",
   "severity": "high",
   "field": "description",
   "evidence": "references sibling tool 'social_security'",
   "seen_at": "2026-10-23T00:17:43.435Z"
  }
 ],
 "probes": [
  {
   "status": "OK",
   "n_tools": 76,
   "ran_at": "2026-10-23T00:17:43.435Z"
  },
  {
   "status": "OK",
   "n_tools": 76,
   "ran_at": "2026-08-13T18:17:15.851Z"
  }
 ]
}