{
  "_generator": {"name": "Brandry.ai", "url": "https://brandry.ai", "generated_at": "2026-07-26T16:48:36Z"},
  "vin": "1GYS9LKL4TR345520",
  "title": "2026 Cadillac Escalade ESV Luxury",
  "year": 2026,
  "make": "Cadillac",
  "model": "Escalade ESV",
  "trim": "Luxury",
  "decoded_trim": "Luxury+Touring Pkg",
  "condition": "new",
  "price": 117340.0,
  "msrp": null,
  "sale_price": 117340.0,
  "currency": "USD",
  "mileage": 10,
  "exterior_color": "Black Raven",
  "interior_color": "Jet Black, Leather seating surfaces with precision perforated inserts",
  "drivetrain": "Four Wheel Drive",
  "body_style": "SUVs",
  "vehicle_type": "car",
  "fuel_type": "Gasoline Fuel",
  "doors": 4,
  "seating_capacity": null,
  "engine": "6.2L V8 engine",
  "engine_displacement_l": 6.2,
  "engine_cylinders": 8,
  "transmission": "Automatic",
  "mpg_city": 14,
  "mpg_hwy": 18,
  "range_miles": null,
  "battery_kwh": null,
  "stock_number": "M260526",
  "stock_status": "In Stock",
  "availability": "In Stock",
  "availability_schema": "https://schema.org/InStock",
  "in_transit": false,
  "dealer_fees": 378.0,
  "photo_count": 64,
  "primary_image": "https://vehicle-images.carscommerce.inc/deec-110013083/1GYS9LKL4TR345520/010755e3466b8b45f1c15b5fa069a23e.webp",
  "images": [
    "https://vehicle-images.carscommerce.inc/deec-110013083/1GYS9LKL4TR345520/010755e3466b8b45f1c15b5fa069a23e.webp",
    "https://vehicle-images.carscommerce.inc/bf58-110013083/1GYS9LKL4TR345520/850cce6a4b7869d87fe4e2147d85e0b5.webp",
    "https://vehicle-images.carscommerce.inc/ed02-110013083/1GYS9LKL4TR345520/cf9e873273ceda3757ae77c2bf8e1292.webp",
    "https://vehicle-images.carscommerce.inc/95af-110013083/1GYS9LKL4TR345520/02acd26fa05bf5dc78a75c1dee72739e.webp",
    "https://vehicle-images.carscommerce.inc/ad1f-110013083/1GYS9LKL4TR345520/e4044b04ff6bdf9324a7e398ae6152c3.webp",
    "https://vehicle-images.carscommerce.inc/13cc-110013083/1GYS9LKL4TR345520/07af6b07de14825670b13cd3dfccd11b.webp",
    "https://vehicle-images.carscommerce.inc/f5c1-110013083/1GYS9LKL4TR345520/342cacb50f5e1d4862c01d236f027fb1.webp",
    "https://vehicle-images.carscommerce.inc/6697-110013083/1GYS9LKL4TR345520/5b1539b5ae8cebab093007552a95189c.webp",
    "https://vehicle-images.carscommerce.inc/4783-110013083/1GYS9LKL4TR345520/a14b079727abe949721a06ecedfd286a.webp",
    "https://vehicle-images.carscommerce.inc/c3d9-110013083/1GYS9LKL4TR345520/3f3c96ef646f0730d14b3b9cc564cde6.webp",
    "https://vehicle-images.carscommerce.inc/7d95-110013083/1GYS9LKL4TR345520/377d85e6990ae080141c5317cb24bd66.webp",
    "https://vehicle-images.carscommerce.inc/6e23-110013083/1GYS9LKL4TR345520/415c28c01bf7a4ba7a8b768b603ba760.webp",
    "https://vehicle-images.carscommerce.inc/1cab-110013083/1GYS9LKL4TR345520/ecbb53709f7d0d82a6dc332555e45cff.webp",
    "https://vehicle-images.carscommerce.inc/60db-110013083/1GYS9LKL4TR345520/2f392b6bdd7fe75ce3ac19487abef38d.webp",
    "https://vehicle-images.carscommerce.inc/80d8-110013083/1GYS9LKL4TR345520/fe466d3015e60370c770e6faa7e77b1f.webp",
    "https://vehicle-images.carscommerce.inc/9649-110013083/1GYS9LKL4TR345520/bb3896b69bbcafe2031a5320916a7403.webp",
    "https://vehicle-images.carscommerce.inc/aa03-110013083/1GYS9LKL4TR345520/fbec0c525484149a9ce5fa4b189b5fe8.webp",
    "https://vehicle-images.carscommerce.inc/a39b-110013083/1GYS9LKL4TR345520/d59dd48390840358f303d40d536eeacd.webp",
    "https://vehicle-images.carscommerce.inc/958f-110013083/1GYS9LKL4TR345520/bfbfe312db9e2090c0967ecaab558bed.webp",
    "https://vehicle-images.carscommerce.inc/6722-110013083/1GYS9LKL4TR345520/73c704b24fee97df9ed971dddcbdaf32.webp",
    "https://vehicle-images.carscommerce.inc/d053-110013083/1GYS9LKL4TR345520/858962254663d90b4f99bcf7ebc72f99.webp",
    "https://vehicle-images.carscommerce.inc/5208-110013083/1GYS9LKL4TR345520/7629616cadafb52b843772715fd5dde7.webp",
    "https://vehicle-images.carscommerce.inc/e320-110013083/1GYS9LKL4TR345520/94a7934de4d8de08288542aef7886708.webp",
    "https://vehicle-images.carscommerce.inc/5353-110013083/1GYS9LKL4TR345520/e157bab8dc6a41fa3db066fcec951d20.webp",
    "https://vehicle-images.carscommerce.inc/9a7a-110013083/1GYS9LKL4TR345520/37f90c8927129de94c9afea7e606f83b.webp",
    "https://vehicle-images.carscommerce.inc/8993-110013083/1GYS9LKL4TR345520/6f995cb1d201ac4aa14a00f840666d66.webp",
    "https://vehicle-images.carscommerce.inc/3fa2-110013083/1GYS9LKL4TR345520/52be2db62ca93587ef40bf3208737b0f.webp",
    "https://vehicle-images.carscommerce.inc/10a0-110013083/1GYS9LKL4TR345520/0f5983a3c1fcd1d25e3743ee8da76a92.webp",
    "https://vehicle-images.carscommerce.inc/8919-110013083/1GYS9LKL4TR345520/186f2684d324a43cd4e740deaeb5433f.webp",
    "https://vehicle-images.carscommerce.inc/2e8e-110013083/1GYS9LKL4TR345520/bc56e6c40cf6fe3ed0edaa8198cd8ffd.webp",
    "https://vehicle-images.carscommerce.inc/d316-110013083/1GYS9LKL4TR345520/9444a1082dccb24623073ccfb70b9642.webp",
    "https://vehicle-images.carscommerce.inc/26e0-110013083/1GYS9LKL4TR345520/b610f187bc71881fd7e69f743936c4e6.webp",
    "https://vehicle-images.carscommerce.inc/cb77-110013083/1GYS9LKL4TR345520/cc65771440e1b3e5d563de3630e9cd00.webp",
    "https://vehicle-images.carscommerce.inc/9523-110013083/1GYS9LKL4TR345520/763c3b1784ffad61c44ca9e54f7f4e3e.webp",
    "https://vehicle-images.carscommerce.inc/a26f-110013083/1GYS9LKL4TR345520/8ba35868bbf187c744158e234f29422f.webp",
    "https://vehicle-images.carscommerce.inc/fa23-110013083/1GYS9LKL4TR345520/87628e64b1e7d05540ab8683a0cdfe27.webp",
    "https://vehicle-images.carscommerce.inc/92b3-110013083/1GYS9LKL4TR345520/ba6fdaefcee237de3ab12b4105a5f983.webp",
    "https://vehicle-images.carscommerce.inc/134f-110013083/1GYS9LKL4TR345520/ae6fbfc7f511dc7a4eaeba118aeb9a84.webp",
    "https://vehicle-images.carscommerce.inc/fb73-110013083/1GYS9LKL4TR345520/b636ddf20cc23ab5559720513ad5143a.webp",
    "https://vehicle-images.carscommerce.inc/4d85-110013083/1GYS9LKL4TR345520/e1d28dcd529fd89b21afca9ef42b3324.webp",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/52544bd.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/ad7af39.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/9454137.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/858b4b3.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/7c55bff.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/df930ae.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/672bb9e.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/f7b7132.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/8510b3b.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/85032dd.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/ee3a16a.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/18b661a.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/fbf27d5.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/d5a95ee.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/42bfa14.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/194dd61.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/8b64d8b.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/173a1db.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/e459f63.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/72e9c20.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/4ec2739.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/2a4110a.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/ce54f51.jpg",
    "https://vini.gm.com/realimages/1GYS9LKL4TR345520/7493106.jpg"
  ],
  "vin_decode": {
    "make": "Cadillac",
    "model": "Escalade ESV",
    "year": 2026,
    "trim": "Luxury+Touring Pkg",
    "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]",
    "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)",
    "engine": "6.2L 8-Cylinder V-Shaped",
    "engine_displacement_l": 6.2,
    "cylinders": 8,
    "drive_type": "4WD",
    "fuel_type": "Gasoline",
    "doors": 4
  },
  "offers": [],
  "price_history": [],
  "window_sticker": {
    "msrp": null,
    "monroney_url": "https://ai.castlecadillacmchenry.com/sticker/1GYS9LKL4TR345520.pdf",
    "source_vdp_url": "https://www.castlecadillacmchenry.com/inventory/new-2026-cadillac-escalade-esv-luxury-four-wheel-drive-suv-1gys9lkl4tr345520/",
    "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."
  },
  "dealer": {
    "name": "Castle Cadillac McHenry",
    "short_name": "Castle Cadillac McHenry",
    "city": "Mchenry",
    "state": "IL",
    "address": "1107 State Rte 31",
    "zip": "60050",
    "phone": "(779) 265-4427",
    "website": "https://www.castlecadillacmchenry.com"
  },
  "source_vdp_url": "https://www.castlecadillacmchenry.com/inventory/new-2026-cadillac-escalade-esv-luxury-four-wheel-drive-suv-1gys9lkl4tr345520/",
  "canonical_url": "https://ai.castlecadillacmchenry.com/vehicle/1GYS9LKL4TR345520.html",
  "json_url": "https://ai.castlecadillacmchenry.com/v/1GYS9LKL4TR345520.json",
  "markdown_url": "https://ai.castlecadillacmchenry.com/v/1GYS9LKL4TR345520.md",
  "vdp_url": "https://www.castlecadillacmchenry.com/inventory/new-2026-cadillac-escalade-esv-luxury-four-wheel-drive-suv-1gys9lkl4tr345520/",
  "generated_at": "2026-07-26T16:48:36Z",
  "price_excl_doc_fee": null,
  "price_includes_doc_fee": null,
  "doc_fee": null,
  "price_note": null,
  "savings": null,
  "price_check": {
    "ok": false,
    "issues": [
      "price_source_undated",
      "doc_fee_policy_unknown"
    ],
    "checks": 3,
    "rule": "unknown",
    "stale": true
  },
  "price_stale": true,
  "price_advertisable": false,
  "price_stale_reason": "price_source_undated",
  "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.",
  "price_max_age_hours": 48,
  "price_disclosure": {
    "kind": "off_msrp",
    "template_id": "price.v1",
    "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.",
    "full": "This offer applies to Stock #M260526, VIN 1GYS9LKL4TR345520. Advertised price: $117,340. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.",
    "lines": [
      {
        "label": "Advertised price",
        "value": "$117,340"
      }
    ],
    "advertised": "",
    "expires": null,
    "required_missing": [
      "what the savings figure is measured from"
    ],
    "required_missing_keys": [
      "savings_basis"
    ],
    "unsubstantiated": [],
    "substantiated": true,
    "reason": "required disclosure elements missing: what the savings figure is measured from",
    "advertisable": false,
    "estimate_only": true,
    "disclosure_version": "1.0.0"
  },
  "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.",
  "disclosure_version": "1.0.0",
  "features": [
    "AWD",
    "Adaptive Cruise Control",
    "Android Auto",
    "Apple CarPlay",
    "Automatic Climate Control",
    "Backup Camera",
    "Bluetooth",
    "Leather Seats",
    "Parking Sensors / Assist",
    "Power Liftgate",
    "Rain Sensing Wipers",
    "Rear A/C",
    "Remote Start",
    "Side-Impact Air Bags",
    "Sunroof / Moonroof",
    "Super Cruise",
    "Tow Package",
    "Wireless Phone Charging"
  ],
  "computed_offers": {
    "generated_at": "2026-07-26T16:48:36Z",
    "engine_version": "beacon-offer-engine/1.0",
    "template_set": "beacon-disclosure/1.0",
    "validator_version": "1.1.0",
    "basis": {
      "zip": "60050",
      "state": "IL",
      "doc_fee": null,
      "doc_fee_source": "unconfigured",
      "doc_fee_in_advertised_price": false,
      "selling_price": 117340.0,
      "price_reconciled": false,
      "price_stale": true,
      "price_age_hours": null,
      "price_max_age_hours": 48,
      "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.",
      "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."
    },
    "offers": [
      {
        "offer_id": "of_1GYS9LKL4TR345520_finance_60",
        "type": "finance_60",
        "label": "Finance",
        "headline": {
          "value": 2381,
          "unit": "per_month",
          "display": "$2,381/mo"
        },
        "provenance": "estimated",
        "advertisable": false,
        "not_advertisable_because": [
          "doc_fee_policy_unknown",
          "price_not_reconciled",
          "price_source_stale",
          "provenance_estimated",
          "validator_flag",
          "validator_not_advertisable"
        ],
        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
        "inputs": {
          "selling_price": 117340.0,
          "price_incl_doc": 117340.0,
          "doc_fee": null,
          "down_payment": 0.0,
          "term": 60,
          "apr": 5.49,
          "tax_rate": 0.0625,
          "zip": "60050",
          "program_code": null,
          "credit_tier": "Excellent"
        },
        "outputs": {
          "monthly_payment": 2380.84,
          "amount_financed": 124673.75,
          "sales_tax": 7333.75,
          "total_of_payments": 142850.29,
          "finance_charge": 18176.54,
          "per_1000_financed": 19.1,
          "due_at_signing": {
            "downPayment": 0,
            "title": 60,
            "registration": 100,
            "total": 160
          }
        },
        "disclosure": "Estimated finance payment for stock #M260526, VIN 1GYS9LKL4TR345520. $2,381 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $117,340, before any dealer documentation fee. Amount financed $124,674, including $7,334 estimated sales tax at 6.25%. That is $19.10 per $1,000 financed. Total of payments $142,850. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
          "outcome": "flag",
          "severity": "medium",
          "safe_to_advertise": false,
          "failed_checks": [
            "doc_fee_missing"
          ],
          "checks_run": 16,
          "validator_version": "1.1.0"
        },
        "expires_at": "2026-07-31",
        "engine_version": "beacon-offer-engine/1.0",
        "template_set": "beacon-disclosure/1.0"
      },
      {
        "offer_id": "of_1GYS9LKL4TR345520_finance_72",
        "type": "finance_72",
        "label": "Finance",
        "headline": {
          "value": 2066,
          "unit": "per_month",
          "display": "$2,066/mo"
        },
        "provenance": "estimated",
        "advertisable": false,
        "not_advertisable_because": [
          "doc_fee_policy_unknown",
          "price_not_reconciled",
          "price_source_stale",
          "provenance_estimated",
          "validator_flag",
          "validator_not_advertisable"
        ],
        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
        "inputs": {
          "selling_price": 117340.0,
          "price_incl_doc": 117340.0,
          "doc_fee": null,
          "down_payment": 0.0,
          "term": 72,
          "apr": 5.99,
          "tax_rate": 0.0625,
          "zip": "60050",
          "program_code": null,
          "credit_tier": "Excellent"
        },
        "outputs": {
          "monthly_payment": 2065.62,
          "amount_financed": 124673.75,
          "sales_tax": 7333.75,
          "total_of_payments": 148724.32,
          "finance_charge": 24050.57,
          "per_1000_financed": 16.57,
          "due_at_signing": {
            "downPayment": 0,
            "title": 60,
            "registration": 100,
            "total": 160
          }
        },
        "disclosure": "Estimated finance payment for stock #M260526, VIN 1GYS9LKL4TR345520. $2,066 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $117,340, before any dealer documentation fee. Amount financed $124,674, including $7,334 estimated sales tax at 6.25%. That is $16.57 per $1,000 financed. Total of payments $148,724. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
          "outcome": "flag",
          "severity": "medium",
          "safe_to_advertise": false,
          "failed_checks": [
            "doc_fee_missing"
          ],
          "checks_run": 16,
          "validator_version": "1.1.0"
        },
        "expires_at": "2026-07-31",
        "engine_version": "beacon-offer-engine/1.0",
        "template_set": "beacon-disclosure/1.0"
      },
      {
        "offer_id": "of_1GYS9LKL4TR345520_finance_84",
        "type": "finance_84",
        "label": "Finance",
        "headline": {
          "value": 1851,
          "unit": "per_month",
          "display": "$1,851/mo"
        },
        "provenance": "estimated",
        "advertisable": false,
        "not_advertisable_because": [
          "doc_fee_policy_unknown",
          "price_not_reconciled",
          "price_source_stale",
          "provenance_estimated",
          "validator_flag",
          "validator_not_advertisable"
        ],
        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
        "inputs": {
          "selling_price": 117340.0,
          "price_incl_doc": 117340.0,
          "doc_fee": null,
          "down_payment": 0.0,
          "term": 84,
          "apr": 6.49,
          "tax_rate": 0.0625,
          "zip": "60050",
          "program_code": null,
          "credit_tier": "Excellent"
        },
        "outputs": {
          "monthly_payment": 1850.73,
          "amount_financed": 124673.75,
          "sales_tax": 7333.75,
          "total_of_payments": 155461.44,
          "finance_charge": 30787.69,
          "per_1000_financed": 14.84,
          "due_at_signing": {
            "downPayment": 0,
            "title": 60,
            "registration": 100,
            "total": 160
          }
        },
        "disclosure": "Estimated finance payment for stock #M260526, VIN 1GYS9LKL4TR345520. $1,851 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $117,340, before any dealer documentation fee. Amount financed $124,674, including $7,334 estimated sales tax at 6.25%. That is $14.84 per $1,000 financed. Total of payments $155,461. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
          "outcome": "flag",
          "severity": "medium",
          "safe_to_advertise": false,
          "failed_checks": [
            "doc_fee_missing"
          ],
          "checks_run": 16,
          "validator_version": "1.1.0"
        },
        "expires_at": "2026-07-31",
        "engine_version": "beacon-offer-engine/1.0",
        "template_set": "beacon-disclosure/1.0"
      },
      {
        "offer_id": "of_1GYS9LKL4TR345520_lease_zero_down",
        "type": "lease_zero_down",
        "label": "Zero-down lease",
        "headline": {
          "value": 1641,
          "unit": "per_month",
          "display": "$1,641/mo"
        },
        "provenance": "estimated",
        "advertisable": false,
        "not_advertisable_because": [
          "doc_fee_policy_unknown",
          "price_not_reconciled",
          "price_source_stale",
          "provenance_estimated",
          "validator_flag",
          "validator_not_advertisable"
        ],
        "estimate": true,
        "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
        "inputs": {
          "msrp": 117340.0,
          "selling_price": 117340.0,
          "cap_cost_reduction": 0.0,
          "residual_pct": 62.0,
          "money_factor": 0.0015,
          "acquisition_fee": 695.0,
          "term": 36,
          "annual_miles": 10000.0,
          "tax_basis": "monthly",
          "doc_fee": null,
          "zip": "60050",
          "program_code": null
        },
        "outputs": {
          "monthly_payment": 1640.58,
          "net_cap_cost": 118035.0,
          "residual_value": 72750.8,
          "apr_equivalent": 3.6,
          "due_at_signing": {
            "firstPayment": 1640.58,
            "downPayment": 0,
            "upfrontTax": 0,
            "title": 60,
            "registration": 100,
            "total": 1800.58
          },
          "total_of_payments": 59076,
          "total_of_payments_unrounded": 59060.88
        },
        "disclosure": "Estimated lease payment for stock #M260526, VIN 1GYS9LKL4TR345520. $1,641 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $1,801, made up of $1,641 first payment, $60 title, $100 registration. MSRP $117,340. Lease selling price $117,340. Net capitalized cost $118,035. Residual value $72,751, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $695. Total of payments $59,076. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
          "outcome": "flag",
          "severity": "medium",
          "safe_to_advertise": false,
          "failed_checks": [
            "doc_fee_missing"
          ],
          "checks_run": 22,
          "validator_version": "1.1.0"
        },
        "expires_at": "2026-07-31",
        "engine_version": "beacon-offer-engine/1.0",
        "template_set": "beacon-disclosure/1.0"
      },
      {
        "offer_id": "of_1GYS9LKL4TR345520_lease",
        "type": "lease",
        "label": "Lease",
        "headline": {
          "value": 1547,
          "unit": "per_month",
          "display": "$1,547/mo"
        },
        "provenance": "estimated",
        "advertisable": false,
        "not_advertisable_because": [
          "doc_fee_policy_unknown",
          "price_not_reconciled",
          "price_source_stale",
          "provenance_estimated",
          "validator_flag",
          "validator_not_advertisable"
        ],
        "estimate": true,
        "caveat": "Estimated lease payment on approved credit. Not an offer to lease. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
        "inputs": {
          "msrp": 117340.0,
          "selling_price": 117340.0,
          "cap_cost_reduction": 2999.0,
          "residual_pct": 62.0,
          "money_factor": 0.0015,
          "acquisition_fee": 695.0,
          "term": 36,
          "annual_miles": 10000.0,
          "tax_basis": "monthly",
          "doc_fee": null,
          "zip": "60050",
          "program_code": null
        },
        "outputs": {
          "monthly_payment": 1547.29,
          "net_cap_cost": 115036.0,
          "residual_value": 72750.8,
          "apr_equivalent": 3.6,
          "due_at_signing": {
            "firstPayment": 1547.29,
            "downPayment": 2999,
            "upfrontTax": 0,
            "title": 60,
            "registration": 100,
            "total": 4706.29
          },
          "total_of_payments": 55692,
          "total_of_payments_unrounded": 55702.44
        },
        "disclosure": "Estimated lease payment for stock #M260526, VIN 1GYS9LKL4TR345520. $1,547 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $4,706, made up of $1,547 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $117,340. Lease selling price $117,340. Net capitalized cost $115,036. Residual value $72,751, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $695. Total of payments $55,692. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-07-31. Estimated for ZIP 60050. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
          "outcome": "flag",
          "severity": "medium",
          "safe_to_advertise": false,
          "failed_checks": [
            "doc_fee_missing"
          ],
          "checks_run": 22,
          "validator_version": "1.1.0"
        },
        "expires_at": "2026-07-31",
        "engine_version": "beacon-offer-engine/1.0",
        "template_set": "beacon-disclosure/1.0"
      }
    ],
    "suppressed": null,
    "counts": {
      "offers": 5,
      "suppressed": 0,
      "advertisable": 0
    },
    "engine_calls": 25,
    "elapsed_ms": 406
  }
}