{
  "version": "ew-v3",
  "phase": "E7",
  "generatedAt": "2026-10-12",
  "status": "implemented_provisional_context",
  "candidateIds": [
    "bankruptcy_la",
    "insolvency_la"
  ],
  "masterRows": 35672,
  "masterSha256": "3c6cd1f08810ad1c3f87f814a82f967c00f32e2943b2ebd82789589d6bd68e6b",
  "countries": {
    "England": 33755,
    "Wales": 1917
  },
  "validRows": {
    "bankruptcy_la": 35672,
    "insolvency_la": 35672
  },
  "missingRows": {
    "bankruptcy_la": 0,
    "insolvency_la": 0
  },
  "sourceReportingAreas": 316,
  "lookupAuthorities": 318,
  "sourceAuthorityYearRows": 3476,
  "lookupCodeSetMatchesMaster": true,
  "geography": {
    "primaryRole": "local-authority context inherited by LSOA; not a measured LSOA insolvency rate",
    "lookup": "Official ONS LSOA2021 to LAD May 2025 V2 best fit",
    "source": "31 December 2025 authority boundaries",
    "dateReconciliation": "Every May 2025 LAD code maps exactly to a December 2025 workbook reporting area, after the two explicit source-published combinations; no fractional allocation or upper-tier substitution.",
    "sourceAliases": {
      "E09000001": {
        "target": "E09000033",
        "reason": "City of London included in Westminster by source note 1"
      },
      "E06000053": {
        "target": "E06000052",
        "reason": "Isles of Scilly included in Cornwall by source note 1"
      }
    },
    "aliasLsoaCounts": {
      "E09000001": 6,
      "E06000053": 1
    },
    "combinedReportingAreaLsoaRows": 466,
    "distinctContextValues": {
      "bankruptcy_la": 316,
      "insolvency_la": 316
    }
  },
  "formula": {
    "bankruptcy_la": "Published annual bankruptcies per 10,000 adults, inherited from source reporting area",
    "insolvency_la": "Published annual (bankruptcies + DROs + IVAs) per 10,000 adults, inherited from source reporting area"
  },
  "denominator": {
    "unit": "adults aged 18 and over",
    "primaryReferenceYear": 2024,
    "availability": "Exact adult counts are not separately supplied in this workbook; adult_population is explicitly blank. Published rate cells are used directly. No rounded-rate reconstruction or LSOA population allocation is used.",
    "ratePrecision": "Original numeric XML cell strings are preserved, despite workbook display formatting to one decimal place.",
    "provisionalReason": "The publisher used mid-2024 ONS population estimates for 2025 because the 2025 estimates were unavailable at publication.",
    "auditOnlyMaxIntegerResidualFromImpliedPopulation": 2.130958662293e-09
  },
  "dates": {
    "primaryObservationPeriod": "2025-01-01 to 2025-12-31",
    "sourceRecordsExtracted": "February 2026",
    "sourceReleasedAt": "2026-03-27",
    "retrievedAt": "2026-10-12",
    "historicalForecastEligibleBeforeRelease": false,
    "historicalBacktestTreatment": "Retrospective context only for 2022–2025 outcomes. History here uses revised 2026 editions, not historical as-of snapshots. Do not train a claimed contemporaneous forecast using these revised future releases."
  },
  "validation": {
    "allMasterRowsPresentOnce": true,
    "sourceCodesReconcileWithLookup": true,
    "sourceRatePrecisionPreserved": true,
    "countsEqualBankruptcyPlusDroPlusIvaAllYears": true,
    "componentRatesReconcileAllYears": true,
    "noOutcomeInputs": true,
    "noExposureInputs": true,
    "noIndividualPersonalData": true
  },
  "nationalMainCutoffs": {
    "bankruptcy_la": [
      0.968002151115891,
      1.07459985294949,
      1.16525541288883,
      1.29657542017147,
      1.41921698645042,
      1.5712029915705,
      1.72521165401511,
      1.84393865296273,
      2.1247497433841
    ],
    "insolvency_la": [
      16.2088485577809,
      20.1414608206234,
      22.205131121,
      23.7086496092892,
      25.3445089453464,
      26.8377648229774,
      28.6270241746644,
      31.9510929119326,
      35.2893296633859
    ]
  },
  "authoritySensitivity": {
    "purpose": "Compare one-LSOA-one-weight bands against one-source-reporting-area-one-weight bands; this is a descriptive geography-weight sensitivity, not an accident model.",
    "reportingAreas": 316,
    "cutoffs": {
      "bankruptcy_la": [
        0.965661091583298,
        1.1087430549567,
        1.23943894730319,
        1.35073737981507,
        1.4898285342796,
        1.64378018865539,
        1.7627487128262,
        1.97882655585238,
        2.2613299280365
      ],
      "insolvency_la": [
        16.2566542540725,
        20.0680606140827,
        22.0397368292165,
        23.6774545406175,
        25.3445089453464,
        26.8105209673409,
        29.8184755749857,
        32.5906532975264,
        36.2595976994716
      ]
    },
    "changedAuthorityBands": {
      "bankruptcy_la": 120,
      "insolvency_la": 31
    },
    "changedLsoaBands": {
      "bankruptcy_la": 13272,
      "insolvency_la": 3487
    },
    "file": "inputs/insolvency-authority-sensitivity.csv.gz"
  },
  "interpretation": [
    "These are broad financial-distress context variables, not individual credit attributes or demonstrated collision predictors.",
    "Bankruptcy is a component of total insolvency; avoid treating these as independent additive risk effects.",
    "Rates are inherited by all LSOAs in a reporting area. Keep inherited ties intact; use authority clustering or authority-level sensitivity in later modelling.",
    "Bankruptcy and DRO count by order/agreement calendar year; IVA counts use registration year and can lag agreement dates.",
    "Policy and eligibility changes can affect procedure mix. Retain the source history and separate bankruptcy, IVA and DRO counts."
  ],
  "sourceDiscrepancies": [
    {
      "issue": "The landing-page prose says 25.3 total insolvencies per 10,000 adults for 2025, while the downloaded source workbook's national cell is 25.7702405341491. The national prose value is not substituted into any LAD row. Published local examples Halton (63.0) and Westminster (10.5) reconcile after display rounding. Source workbook remains authoritative for this frozen extract; discrepancy retained for review.",
      "nationalWorkbookRate": "25.770240534149099",
      "nationalWorkbookCount": 126281
    }
  ],
  "sources": [
    {
      "id": "insolvency-2025",
      "title": "Insolvency Service individual insolvencies by location, England and Wales, 2015–2025",
      "url": "https://assets.publishing.service.gov.uk/media/69c526f9471d520038d0f6b6/Data_Tables_in_Excel_xlsx_Format_-_Individual_insolvencies_by_Location_England_and_Wales_2015_to_2025.xlsx",
      "landingUrl": "https://www.gov.uk/government/statistics/individual-insolvencies-by-location-age-and-gender-england-and-wales-2025",
      "methodologyUrl": "https://www.gov.uk/government/statistics/individual-insolvencies-by-location-age-and-gender-england-and-wales-2025/methodology-and-quality-document-individual-insolvencies-by-location-age-and-gender-england-and-wales-2025",
      "observationPeriod": "2025 primary; 2015–2025 revised history retained",
      "releasedAt": "2026-03-27",
      "retrievedAt": "2026-10-12",
      "revision": "27 March 2026 annual publication; prior years revised within this edition",
      "sourceGeography": "31 December 2025 lower-tier local authorities; City of London/Westminster and Isles of Scilly/Cornwall combined",
      "licence": "Open Government Licence v3.0",
      "licenceUrl": "https://www.gov.uk/government/statistics/individual-insolvencies-by-location-age-and-gender-england-and-wales-2025/methodology-and-quality-document-individual-insolvencies-by-location-age-and-gender-england-and-wales-2025",
      "attribution": "Source: The Insolvency Service; Office for National Statistics population estimates. Crown copyright 2026.",
      "originalSha256": "f70fa64e30e94b5e8687812497a65c3c888e2f6b61ba9d0bdabf19467c186b39",
      "originalBytes": 633746,
      "archives": [
        {
          "file": "inputs/insolvency-location-2025.xlsx",
          "sha256": "f70fa64e30e94b5e8687812497a65c3c888e2f6b61ba9d0bdabf19467c186b39",
          "bytes": 633746
        },
        {
          "file": "inputs/insolvency-authority-year.csv.gz",
          "sha256": "6791eeafba4b295c0b2bc3d5ac897cf8918b09a7f2d114ae973a316c5c8a2c9e",
          "bytes": 181098
        }
      ]
    },
    {
      "id": "ons-lsoa21-lad25",
      "title": "ONS LSOA2021 to electoral ward2025 to LAD2025 best fit lookup, V2",
      "url": "https://services1.arcgis.com/ESMARspQHYMw9BZ9/arcgis/rest/services/LSOA21_WD25_LAD25_EW_LU_v2/FeatureServer/0",
      "landingUrl": "https://www.data.gov.uk/dataset/8fd0e85c-3f46-4851-a041-e105b3b32315/lsoa-2021-to-electoral-ward-2025-to-lad-2025-best-fit-lookup-in-ew-v21",
      "observationPeriod": "2025-05-01 geography",
      "releasedAt": "2025-07-24",
      "retrievedAt": "2026-10-12",
      "revision": "V2; metadata modified 2025-08-11",
      "sourceGeography": "LSOA2021 to LAD2025 best fit",
      "licence": "Open Government Licence v3.0",
      "licenceUrl": "https://www.ons.gov.uk/methodology/geography/licences",
      "attribution": "Source: Office for National Statistics licensed under the Open Government Licence v.3.0",
      "originalSha256": "151d643f955e7da958235fd478c6f0246628a5ca7839c5d59c29145c1eb04309",
      "originalHashDefinition": "Canonical JSON attributes concatenated from 36 ordered official API pages; per-response hashes retained in acquisition manifest",
      "archives": [
        {
          "file": "inputs/insolvency-lookup-response.json.gz",
          "sha256": "f596c73d6b630b1390a07d419ca8e69028a63f208bdefec079a1736fb3d13772",
          "bytes": 382800
        },
        {
          "file": "inputs/insolvency-lookup-metadata.json",
          "sha256": "c2379daa2ca17a86615c76274b80b7887487ea28ae3295f761e0e8a93f796304",
          "bytes": 17606
        },
        {
          "file": "inputs/insolvency-lsoa-lad.csv.gz",
          "sha256": "b2ebde69ba8195bcc811acbf9b03d900b1e1f1dec25c4fb85549b73ee94ef636",
          "bytes": 112682
        }
      ]
    }
  ],
  "outputs": [
    {
      "file": "inputs/insolvency-authority-sensitivity.csv.gz",
      "sha256": "002fcbfd851d8819eebcb39e3371a5fab7f8bc6a5c33166b97aca21485cacce4",
      "bytes": 10909
    },
    {
      "file": "inputs/insolvency-authority-year.csv.gz",
      "sha256": "6791eeafba4b295c0b2bc3d5ac897cf8918b09a7f2d114ae973a316c5c8a2c9e",
      "bytes": 181098
    },
    {
      "file": "inputs/insolvency-lsoa-lad.csv.gz",
      "sha256": "b2ebde69ba8195bcc811acbf9b03d900b1e1f1dec25c4fb85549b73ee94ef636",
      "bytes": 112682
    },
    {
      "file": "inputs/insolvency-lsoa-values.csv.gz",
      "sha256": "d82b7642d85b64d3edf4d6fc9958dab5a89e8b337fe25f45c59ee5d6619e6313",
      "bytes": 136462
    }
  ]
}