{
  "schema_version": 1,
  "reviewed_utc": "2026-10-03",
  "architecture": "static/no-backend",
  "publisher": "The Value of Tradeoffs",
  "default_value_changes": false,
  "formula_changes": false,
  "policy": "All current inputs remain illustrative examples or conservative/user-choice assumptions. Sourced reference bands do not establish exact field defaults, auto-apply values, eligibility or local quotes.",
  "sources": [
    {
      "id": "hd-water-heater",
      "publisher": "The Home Depot",
      "url": "https://www.homedepot.com/services/c/cost-install-water-heater/9058c024e",
      "publication_date": null,
      "reviewed_utc": "2026-10-03",
      "next_review_utc": "2026-11-02",
      "geography": "United States; national retailer planning estimate",
      "kind": "retailer_installed_cost_guide",
      "limitations": "Basic replacement scope includes unit, labor, materials, permits and removal. Extra electrical/plumbing/space/code work may increase the total. Not a personal quote; no incentive eligibility assumed."
    },
    {
      "id": "trane-pricing",
      "publisher": "Trane",
      "url": "https://www.trane.com/residential/en/pricing/pricing-guide/",
      "publication_date": null,
      "reviewed_utc": "2026-10-03",
      "next_review_utc": "2026-11-02",
      "geography": "United States; manufacturer planning estimates for selected product tiers",
      "kind": "manufacturer_price_guide",
      "limitations": "FAQs describe product plus basic labor/services pre-tax; footnotes exclude required accessories/installation requirements. Treat as limited-scope planning references, not complete HVAC system quotes. Air-handler, duct, electrical, permit and cooling scope must be confirmed with the contractor."
    },
    {
      "id": "hd-refrigerators",
      "publisher": "The Home Depot",
      "url": "https://www.homedepot.com/b/Appliances-Refrigerators-Top-Freezer-Refrigerators/Whirlpool/In-door-Storage/No-Ice-Maker/N-5yc1vZc3nsZ4l4Z1z0v5m8Z1z1q1mf",
      "publication_date": null,
      "reviewed_utc": "2026-10-03",
      "next_review_utc": "2026-10-10",
      "geography": "United States storefront; no store/ZIP selected",
      "kind": "retailer_equipment_snapshot",
      "limitations": "Three selected top-freezer model listings, not all refrigerators or appliances. Promotional and store prices may change. Taxes, delivery, installation, hookup parts and haul-away require separate checkout confirmation. No feed or availability guarantee."
    },
    {
      "id": "lowes-installation",
      "publisher": "Lowe's",
      "url": "https://www.lowes.com/l/install/water-heater",
      "publication_date": null,
      "reviewed_utc": "2026-10-03",
      "next_review_utc": "2026-11-02",
      "geography": "United States; service scope varies by market",
      "kind": "retailer_scope_guidance",
      "limitations": "Installation is quoted as a product/labor package. Basic same-location/same-fuel replacement scope and extra-fee conditions do not establish a universal installed price."
    },
    {
      "id": "aaa-2026",
      "publisher": "AAA",
      "url": "https://newsroom.aaa.com/2026/09/aaa-new-vehicle-ownership-costs-hit-12863-annually/",
      "publication_date": "2026-09-15",
      "reviewed_utc": "2026-10-03",
      "next_review_utc": "2027-01-01",
      "geography": "United States; selected new-vehicle models, five years and 75000 miles",
      "kind": "ownership_cost_context",
      "limitations": "Not an old-car repair quote, used-car price range or residual-value estimate. Methodology differs from the 2025 study; total ownership cost includes categories beyond this calculator. No number from this study is copied into a field."
    },
    {
      "id": "doe-furnace",
      "publisher": "U.S. Department of Energy",
      "url": "https://www.energy.gov/cmei/femp/purchasing-energy-efficient-residential-furnaces",
      "publication_date": null,
      "reviewed_utc": "2026-10-03",
      "next_review_utc": "2027-01-01",
      "geography": "United States; federal-purchasing comparison for northern-region furnace examples",
      "kind": "efficiency_context",
      "limitations": "Illustrated 80% and 95% AFUE ratings support plausible example efficiencies, not a measured furnace rating in a visitor's home or a current local gas price."
    },
    {
      "id": "irs-5695",
      "publisher": "Internal Revenue Service",
      "url": "https://www.irs.gov/instructions/i5695",
      "publication_date": null,
      "reviewed_utc": "2026-10-03",
      "next_review_utc": "2026-10-10",
      "geography": "United States; 2025 Form 5695 instructions",
      "kind": "incentive_rule_context",
      "limitations": "Instructions state 25C does not apply to expenditures/property placed in service after December 31, 2025. Older retailer/manufacturer credit references may be stale. This does not determine utility/state incentives or individual tax treatment; obtain qualified advice."
    }
  ],
  "references": [
    {
      "id": "tank-installed",
      "source_id": "hd-water-heater",
      "label": "Standard tank basic replacement",
      "low": 1600,
      "high": 2400,
      "unit": "USD per installation",
      "scope": "installed_basic_replacement",
      "applicable_fields": [
        "tankInstalled"
      ],
      "note": "Retailer-published national planning band, not a quote. Extra work may exceed it."
    },
    {
      "id": "hpwh-installed",
      "source_id": "hd-water-heater",
      "label": "Hybrid heat-pump water-heater basic replacement",
      "low": 2500,
      "high": 5000,
      "unit": "USD per installation",
      "scope": "installed_basic_replacement",
      "applicable_fields": [
        "hpwhInstalled"
      ],
      "note": "Retailer-published national planning band. Conversion/electrical/space changes may cost more."
    },
    {
      "id": "heat-pump-tiers",
      "source_id": "trane-pricing",
      "label": "Selected Trane standard heat-pump tiers",
      "low": 8313,
      "high": 15608,
      "unit": "USD pre-tax planning cost",
      "scope": "product_plus_basic_labor_limited_scope",
      "applicable_fields": [
        "hpInstalled"
      ],
      "samples": [
        {
          "model": "Choice 15 single-stage",
          "low": 8313,
          "high": 10289
        },
        {
          "model": "Priority 17 multi-speed",
          "low": 9921,
          "high": 12648
        },
        {
          "model": "Premier 20 variable-speed",
          "low": 12778,
          "high": 15608
        }
      ],
      "note": "Envelope of three product-tier planning bands, not a market confidence interval or a complete matched-system quote."
    },
    {
      "id": "furnace-96-tiers",
      "source_id": "trane-pricing",
      "label": "Selected Trane 96% AFUE furnace tiers",
      "low": 6630,
      "high": 8390,
      "unit": "USD pre-tax planning cost",
      "scope": "product_plus_basic_labor_limited_scope",
      "applicable_fields": [
        "furnaceInstalled"
      ],
      "samples": [
        {
          "model": "Choice 96 single-stage",
          "low": 6630,
          "high": 6946
        },
        {
          "model": "Priority 96 two-stage",
          "low": 6851,
          "high": 7412
        },
        {
          "model": "Premier 96 variable-speed",
          "low": 7569,
          "high": 8390
        }
      ],
      "note": "These are 96% products, not a quote for the calculator's illustrative 95% furnace. Cooling and conversion work are separate scope questions."
    },
    {
      "id": "refrigerator-samples",
      "source_id": "hd-refrigerators",
      "label": "Three selected top-freezer refrigerator listings",
      "low": 699,
      "high": 999,
      "unit": "USD equipment listing price",
      "scope": "equipment_only_sample",
      "applicable_fields": [
        "applianceReplacement"
      ],
      "samples": [
        {
          "model": "WRT314TFDW",
          "price": 699
        },
        {
          "model": "WRT518SZFM",
          "price": 779
        },
        {
          "model": "WRT318FZDM",
          "price": 999
        }
      ],
      "note": "Sample min/max only; not a typical price range for every refrigerator or appliance. Leave the $1600 example editable; add verified extras once."
    }
  ],
  "calculators": [
    {
      "slug": "appliance-repair-vs-replace",
      "file": "public/calculators/appliance-repair-vs-replace.html",
      "fields": [
        {
          "id": "applianceType",
          "default": "Refrigerator",
          "label": "Appliance type",
          "status": "user_choice",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "applianceRepair",
          "default": 550,
          "label": "Repair quote",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "applianceReplacement",
          "default": 1600,
          "label": "Replacement price",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [
            "refrigerator-samples"
          ],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "repairYears",
          "default": 3,
          "label": "Expected life after repair",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "replacementYears",
          "default": 12,
          "label": "Expected life of replacement",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "currentOperating",
          "default": 120,
          "label": "Annual operating cost",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "newOperating",
          "default": 80,
          "label": "Annual operating cost",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "replacementExtras",
          "default": 200,
          "label": "Delivery + installation + disposal",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "applianceAge",
          "default": 9,
          "label": "Appliance age",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        }
      ],
      "context": {
        "source_ids": [
          "hd-refrigerators"
        ],
        "note": "Retail equipment samples apply only to selected top-freezer refrigerators. Repair life, replacement life, operating costs and $200 extras have no empirical market support in this package."
      }
    },
    {
      "slug": "car-repair-vs-replace",
      "file": "public/calculators/car-repair-vs-replace.html",
      "fields": [
        {
          "id": "currentValue",
          "default": 8000,
          "label": "Current car value  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "repairCost",
          "default": 2500,
          "label": "Repair needed now  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "replacementPrice",
          "default": 30000,
          "label": "Replacement vehicle price  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "years",
          "default": 3,
          "label": "Compare over  ",
          "status": "editorial_horizon",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "keepMaintenance",
          "default": 1800,
          "label": "Expected annual maintenance + repairs  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "keepEndValue",
          "default": 3500,
          "label": "Estimated value at end  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "fees",
          "default": 2000,
          "label": "Taxes + one-time purchase fees  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "interest",
          "default": 2500,
          "label": "Financing cost during this period  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "replaceMaintenance",
          "default": 700,
          "label": "Expected annual maintenance + repairs  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "replaceEndValue",
          "default": 21000,
          "label": "Estimated value at end  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "fuelSavings",
          "default": 0,
          "label": "Annual fuel/energy savings   ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        }
      ],
      "context": {
        "source_ids": [
          "aaa-2026"
        ],
        "note": "No universal repair, used-car or resale range is supported here. Use vehicle-specific written estimates and valuations. The current numbers remain examples."
      }
    },
    {
      "slug": "heat-pump-vs-gas-furnace",
      "file": "public/calculators/heat-pump-vs-gas-furnace.html",
      "fields": [
        {
          "id": "hpInstalled",
          "default": 12000,
          "label": "Heat pump installed quote  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [
            "heat-pump-tiers"
          ],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "furnaceInstalled",
          "default": 7000,
          "label": "Gas furnace installed quote  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [
            "furnace-96-tiers"
          ],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "annualTherms",
          "default": 700,
          "label": "Annual gas used for space heating  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "electricRate",
          "default": 0.16,
          "label": "Electricity price  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "gasRate",
          "default": 1.5,
          "label": "Natural gas price  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "hpYears",
          "default": 10,
          "label": "Compare over  ",
          "status": "editorial_horizon",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "currentAfue",
          "default": 80,
          "label": "Current furnace AFUE  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "newAfue",
          "default": 95,
          "label": "New gas furnace AFUE  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "seasonalCop",
          "default": 2.8,
          "label": "Heat pump seasonal COP  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "hpIncentives",
          "default": 0,
          "label": "Heat pump rebates / incentives  ",
          "status": "zero_unverified_incentives",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "furnaceIncentives",
          "default": 0,
          "label": "Furnace rebates / incentives  ",
          "status": "zero_unverified_incentives",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "furnaceAcCost",
          "default": 0,
          "label": "AC work required with furnace option  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "hpMaintenance",
          "default": 200,
          "label": "Heat pump annual maintenance  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "furnaceMaintenance",
          "default": 200,
          "label": "Furnace annual maintenance  ",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        }
      ],
      "context": {
        "source_ids": [
          "trane-pricing",
          "doe-furnace",
          "irs-5695"
        ],
        "note": "Quotes must cover equivalent heating/cooling work. Seasonal COP, heating therms, local rates and annual maintenance remain user-specific examples."
      }
    },
    {
      "slug": "hvac-repair-vs-replace",
      "file": "public/calculators/hvac-repair-vs-replace.html",
      "fields": [
        {
          "id": "hvacRepairCost",
          "default": 2500,
          "label": "Repair needed now",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "replacementCost",
          "default": 11000,
          "label": "Replacement installed cost",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "repairLife",
          "default": 3,
          "label": "Expected life after repair",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "hvacYears",
          "default": 5,
          "label": "Compare over",
          "status": "editorial_horizon",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "currentEnergy",
          "default": 1800,
          "label": "Annual heating + cooling energy cost",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "currentMaintenance",
          "default": 500,
          "label": "Annual maintenance + repair allowance",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "extraRepairs",
          "default": 500,
          "label": "Additional expected repairs during this period",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "newEnergy",
          "default": 1400,
          "label": "Annual heating + cooling energy cost",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "newMaintenance",
          "default": 250,
          "label": "Annual maintenance allowance",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "incentives",
          "default": 0,
          "label": "Rebates + tax credits you expect to receive",
          "status": "zero_unverified_incentives",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        }
      ],
      "context": {
        "source_ids": [
          "trane-pricing",
          "irs-5695"
        ],
        "note": "The $11000 whole-system example is not validated by a heat-pump-only or furnace-only band. Get an equivalent-scope installed quote and a technician's remaining-life estimate."
      }
    },
    {
      "slug": "water-heater-repair-vs-replace",
      "file": "public/calculators/water-heater-repair-vs-replace.html",
      "fields": [
        {
          "id": "whRepairCost",
          "default": 900,
          "label": "Repair needed now",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "whRepairLife",
          "default": 2,
          "label": "Expected life after repair",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "whYears",
          "default": 10,
          "label": "Compare over",
          "status": "editorial_horizon",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "tankInstalled",
          "default": 2200,
          "label": "Installed cost",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [
            "tank-installed"
          ],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "hpwhInstalled",
          "default": 4200,
          "label": "Installed cost",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [
            "hpwh-installed"
          ],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "fallback",
          "default": "tank",
          "label": "Fallback after repair",
          "status": "user_choice",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "currentOperating",
          "default": 650,
          "label": "Current annual operating cost",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "whFutureRepairs",
          "default": 300,
          "label": "Future repair allowance",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "tankIncentives",
          "default": 0,
          "label": "Verified incentives",
          "status": "zero_unverified_incentives",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "tankOperating",
          "default": 600,
          "label": "Annual operating cost",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "hpwhIncentives",
          "default": 0,
          "label": "Verified incentives",
          "status": "zero_unverified_incentives",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        },
        {
          "id": "hpwhOperating",
          "default": 250,
          "label": "Annual operating cost",
          "status": "illustrative_example",
          "exact_market_default_supported": false,
          "reference_ids": [],
          "reviewed_utc": "2026-10-03",
          "needs": "Replace with a matching quote, bill, rated product data or your chosen time/life estimate; no exact market default is asserted."
        }
      ],
      "context": {
        "source_ids": [
          "hd-water-heater",
          "lowes-installation",
          "irs-5695"
        ],
        "note": "Existing $2200 tank and $4200 heat-pump examples lie within sourced basic-installation bands, but are not source averages or local quotes. Annual operating and repair-life numbers remain unsupported examples."
      }
    }
  ],
  "appliance_life_presets": {
    "status": "illustrative_examples_no_empirical_source",
    "values": {
      "Refrigerator": 12,
      "Dishwasher": 10,
      "Clothes washer": 10,
      "Clothes dryer": 13,
      "Range / oven": 14,
      "Freezer": 15
    },
    "reviewed_utc": "2026-10-03"
  }
}