{
    "description": "Notified the trader, not the qualified entity (s. 24(1))",
    "annex": "ie",
    "flows": {
        "f1": true,
        "f0": false
    },
    "record": {
        "id": "r-0001",
        "party": "natural",
        "status": "active",
        "joined_on": "2026-09-01",
        "flow": "f1",
        "terms": "t1",
        "identity": {
            "name": true,
            "birth_date": true,
            "contact_confirmed": true,
            "verified": null
        },
        "membership": {
            "basis": "declared",
            "in_class": true,
            "evidence": [],
            "checked_against": null
        },
        "duplicate_of": null,
        "residence": {
            "country": "IE",
            "on": "2026-09-01"
        },
        "opt_in": {
            "on": "2026-09-01",
            "channel": "trader"
        },
        "parallel_declared": true
    },
    "expected": {
        "grade": "D",
        "reasons": [
            "not_opted_in"
        ]
    }
}