{
  "actors_person": ["{person_title} {person_first_name} {person_last_name}", "{person_first_name} {person_last_name}", "{person_title} {person_last_name}"],
  "actors_company": ["{company_prefix} {company_suffix}", "{company_prefix} {company_industry}"],

  "actions_loan_present_singular": ["borrows", "takes out a loan for", "secures financing for", "needs a loan of", "is seeking a loan of"],
  "actions_loan_present_plural": ["borrow", "take out a loan for", "secure financing for", "need a loan of", "are seeking a loan of"],
  "actions_loan_past_singular": ["borrowed", "took out a loan for", "secured financing for", "received a loan of"],
  "actions_loan_past_plural": ["borrowed", "took out a loan for", "secured financing for", "received a loan of"],

  "actions_investment_present_singular": ["invests", "deposits", "puts", "plans to invest", "wants to deposit"],
  "actions_investment_present_plural": ["invest", "deposit", "put", "plan to invest", "want to deposit"],
  "actions_investment_past_singular": ["invested", "deposited", "put", "made an investment of"],
  "actions_investment_past_plural": ["invested", "deposited", "put", "made an investment of"],

  "actions_repayment_present_singular": ["repays", "settles", "amortizes", "makes a payment on"],
  "actions_repayment_present_plural": ["repay", "settle", "amortize", "make a payment on"],
  "actions_repayment_past_singular": ["repaid", "settled", "amortized", "made a payment on"],
  "actions_repayment_past_plural": ["repaid", "settled", "amortized", "made a payment on"],

  "actions_receive_present_singular": ["receives", "obtains", "gets", "is due to receive"],
  "actions_receive_present_plural": ["receive", "obtain", "get", "are due to receive"],
  "actions_receive_past_singular": ["received", "obtained", "got"],
  "actions_receive_past_plural": ["received", "obtained", "got"],

  "actions_earn_present_singular": ["earns", "accumulates", "yields"],
  "actions_earn_present_plural": ["earn", "accumulate", "yield"],
  "actions_earn_past_singular": ["earned", "accumulated", "yielded"],
  "actions_earn_past_plural": ["earned", "accumulated", "yielded"],

  "time_phrases_duration": ["for a period of", "over", "for", "during"],
  "time_phrases_point": ["at the end of", "after", "in"],

  "rate_phrases": ["at a rate of", "with an interest of", "at an annual rate of", "earning interest at"],
  "compounding_phrases": ["compounded {compounding_frequency_adverb}", "with {compounding_frequency_adverb} compounding"],

  "purpose_phrases_loan": ["for {item_loan}", "to finance {item_loan}", "to purchase {item_loan}"],
  "purpose_phrases_investment": ["in {item_investment}", "into {item_investment}", "to grow their capital through {item_investment}"],

  "question_starters_what_is": ["What is the", "Determine the", "Calculate the", "Find the", "What will be the", "What was the"],
  "question_starters_how_much": ["How much is the", "How much will be the", "How much was the", "How much should be"],
  "question_starters_how_long": ["How long will it take for", "How many years are needed for", "What is the time period for"],

  "scenario_introductions": [
    "Consider a scenario where {actor}",
    "{actor} is planning to",
    "Suppose {actor}",
    "Imagine {actor} needs to"
  ],
  "scenario_connectors": [
    "The terms of the agreement state that",
    "It is known that",
    "Given that",
    "Assuming that"
  ],
  "scenario_closures_question_prefix": [
    "Based on this information,",
    "Therefore,",
    "With these conditions,"
  ],

  "solution_guidance": {
    "identify_knowns": "First, let's identify the given values (knowns) in the problem:",
    "state_formula": "The relevant formula for this problem is:",
    "substitute_values": "Now, we substitute the known values into the formula:",
    "perform_calculation": "Performing the calculation:",
    "intermediate_step": "The intermediate result for {step_name} is:",
    "final_answer_is": "Therefore, the {unknown_variable_description} is:",
    "convert_time_to_years": "Convert the time period to years: {original_time_value} {original_time_unit} = {converted_time_value_years} years.",
    "calculate_interest_rate_per_period": "Calculate the interest rate per compounding period (i): i = r / m = {nominal_rate_decimal} / {compounding_periods_per_year} = {interest_rate_per_period_decimal}.",
    "calculate_total_periods": "Calculate the total number of compounding periods (n): n = t * m = {time_in_years} years * {compounding_periods_per_year} = {total_periods} periods.",
    "check_leap_year": "{year} is {is_or_is_not} a leap year.",
    "days_in_period": "The number of days from {start_date} to {end_date} is {number_of_days} days."
  },

  "variable_descriptions": {
    "P": "principal amount",
    "F": "future value",
    "I": "interest amount",
    "i_simple_annual": "annual simple interest rate",
    "n_time_years": "time period in years",
    "n_time_months": "time period in months",
    "n_time_days": "time period in days",
    "r_nominal_annual": "nominal annual interest rate",
    "m_compounding_periods_per_year": "number of compounding periods per year",
    "i_rate_per_period": "interest rate per compounding period",
    "n_total_compounding_periods": "total number of compounding periods",
    "ER": "effective interest rate",
    "Db": "banker's discount amount",
    "d_discount_rate": "discount rate",
    "Proceeds": "proceeds from the loan",
    "I_exact_simple": "exact simple interest amount",
    "F_exact_simple": "future value with exact simple interest",
    "I_ordinary_simple": "ordinary simple interest amount",
    "F_ordinary_simple": "future value with ordinary simple interest",
    "start_date": "start date of the period",
    "end_date": "end date of the period",
    "time_base_days": "day count basis for the year (time base)",
    "n_time_years_fractional": "time period as a fraction of a year"
  },

  "solution_guidance": {
    "identify_knowns": "First, let's identify the given values (knowns) in the problem:",
    "state_formula": "The relevant formula for this problem is:",
    "substitute_values": "Now, we substitute the known values into the formula:",
    "perform_calculation": "Performing the calculation:",
    "intermediate_step": "The intermediate result for {step_name} is:",
    "final_answer_is": "Therefore, the {unknown_variable_description} is:",
    "convert_time_to_years": "Convert the time period to years: {original_time_value} {original_time_unit} = {converted_time_value_years} years.",
    "calculate_interest_rate_per_period": "Calculate the interest rate per compounding period (i): i = r / m = {nominal_rate_decimal} / {compounding_periods_per_year} = {interest_rate_per_period_decimal}.",
    "calculate_total_periods": "Calculate the total number of compounding periods (n): n = t * m = {time_in_years} years * {compounding_periods_per_year} = {total_periods} periods.",
    "check_leap_year": "{year} is {is_or_is_not} a leap year.",
    "days_in_period": "The number of days from {start_date} to {end_date} is {number_of_days} days.",
    "determine_time_base_exact": "For exact simple interest, the time base is the actual number of days in the reference year ({year}), which is {days_in_year} days.",
    "determine_time_base_ordinary": "For ordinary simple interest, the time base is 360 days.",
    "calculate_n_time_years_fractional": "Calculate the time as a fraction of a year (t_fractional): t_fractional = number of days / time base = {n_time_days} / {time_base_days} = {n_time_years_fractional_value}."
  },

  "compounding_frequency_adverbs": {
    "annually": "annually",
    "semi-annually": "semi-annually",
    "quarterly": "quarterly",
    "monthly": "monthly",
    "bi-monthly": "bi-monthly",
    "semi-monthly": "semi-monthly",
    "continuously": "continuously"
  }
}