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"task_id": "medium_04",
"version": "1.0.0",
"created_at": "2026-03-11",
"metadata": {
"domain": "credit_card_optimization",
"difficulty": "medium",
"task_number": 4,
"complexity_hint": {
"max_tokens": 6000,
"expected_output": "multi-card strategy with 2-year timeline and EV breakdown"
},
"requires_human_review": true
},
"prompt": {
"system": "",
"user": "You are a financial advisor tasked with building the following user\u2019s credit card strategy for the next 2 years in order to maximize the user\u2019s expected value while staying within their constraints, assuming all offers stay constant.\n\nUser profile:\n\n* Age 31, freelance income $70k\u2013$130k/year (highly variable, averages $95k), excellent credit score \n* Monthly spending: $3,500, of which $1,200 is groceries/dining, $800 marketing/software (business), $500 travel (client trips), $400 utilities, $300 debt payments (currently $8k at 18% APR from old card), rest variable/misc \n* Already has 3 cards (Amex Blue Business Plus, Chase Ink Preferred, Citi Double Cash). concerned about \"variable income making minimum spends risky\" regarding welcome offers \n* Concerned about mixing business/personal spend for tax reasons \n* Prefers no AF or \\< $95 offset easily \n* Will pay in full on new spending and new cards, but still has that aforementioned debt \n* Only willing to add 1\u20132 new cards. \n\nWhat should the user\u2019s credit card strategy be over the next 2 years given their entire situation in order to optimize EV without compromising on their concerns or constraints? Include a detailed expected value calculation for that strategy. Keep in mind credit card interest counts negatively toward EV.",
"knowledge_base_ref": "knowledge_base.md",
"kb_filter": [
"Chase Ink Business Unlimited",
"Capital One Venture X",
"Amex Blue Business Plus",
"Chase Ink Business Preferred",
"Citi Double Cash",
"Capital One Venture X Business",
"Amex Business Gold",
"Chase Sapphire Preferred",
"Amex Blue Cash Preferred",
"Chase Freedom Unlimited",
"Capital One Venture",
"Amex Blue Business Cash",
"Citi Strata Premier",
"Wells Fargo Autograph",
"Chase Ink Business Premier"
],
"system_prompt_ref": "system_prompt_template.md"
},
"scoring": {
"dimensions": {
"constraint_compliance": {
"weight": 0.3,
"type": "automated",
"description": "Hard rule checks: velocity limits, eligibility, user constraints",
"checks": {
"velocity_rules": null,
"eligibility_rules": null,
"user_constraints": null,
"expected_cards": [
"Chase Ink Business Unlimited",
"Capital One Venture X"
],
"expected_housing_option": null,
"key_constraints_flags": [
"debt_payoff_priority",
"variable_income",
"business_personal_separation",
"annual_fee_preference"
]
},
"hard_constraint": false
},
"ev_accuracy": {
"weight": 0.4,
"type": "automated",
"description": "EV calculation accuracy vs. reference solution",
"reference": {
"reference_ev_usd": 8874.06,
"ev_tolerance_pct": 0.05
}
},
"reasoning_quality": {
"weight": 0.2,
"type": "human",
"description": "Quality of tradeoff articulation and strategic reasoning (0-3 scale)",
"rubric": {
"0": "No reasoning or incorrect reasoning",
"1": "Surface-level reasoning, misses key tradeoffs",
"2": "Correct tradeoffs identified with clear justification",
"3": "Expert-level nuance including edge cases and constraint interactions"
},
"score": null
},
"constraint_prioritization": {
"weight": 0.1,
"type": "human",
"description": "Correct handling of ambiguity and conflicting constraints",
"score": null
}
},
"passing_threshold": 0.6,
"hard_constraint_failure_zeroes_dimension": true
},
"reference_solution": {
"_status": "EXPERT_REVIEWED",
"recommended_cards": [
"Chase Ink Business Unlimited",
"Capital One Venture X"
],
"total_ev_usd": 8874.06,
"ev_breakdown": {
"signup_bonuses_usd": 2925.0,
"ongoing_rewards_usd": 3841.2,
"credits_usd": 970.0,
"annual_fees_usd": -980.0,
"other_usd": 2117.86
},
"housing_option": null,
"key_constraints_flags": [
"debt_payoff_priority",
"variable_income",
"business_personal_separation",
"annual_fee_preference"
],
"expert_notes": "Pay off $8k debt ASAP (~2 months), saving $2,293.44 in future interest (only $175.58 accrued). Apply for Ink Business Unlimited ($1,700/mo biz spend, prepay to hit $6k bonus) and Venture X ($1,500/mo personal). Spending: VX for dining/grocery/misc, Ink Preferred 3x for marketing/travel/utilities. Other_usd includes $2,293.44 interest saved minus $175.58 interest paid = $2,117.86 net."
}
}
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