data/tasks/hard_04.json

{
  "task_id": "hard_04",
  "version": "1.0.0",
  "created_at": "2026-03-11",
  "metadata": {
    "domain": "credit_card_optimization",
    "difficulty": "hard",
    "task_number": 4,
    "complexity_hint": {
      "max_tokens": 8000,
      "expected_output": "complex strategy with contingency plans, stochastic elements, detailed EV"
    },
    "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. The primary goal is to maximize transferable Chase UR or Capital One miles for a luxury Europe honeymoon redemption after month 24, but only if that path stays within 20% of the absolute optimal expected net value (factoring in interest savings, fees, realistic redemptions, and opportunity cost). Assume all public offers remain constant. The honeymoon would include 2 round trip first class airline tickets on KLM (150,000 points $100 taxes and fees each, or $3,000 cash each), and a 5 night Hyatt stay costing 40,000 points/night at a $1,600/night hotel.\n\nUser profile:  \n\\- Credit score: 620 (recent medical collections \\+ $14,000 credit card debt at 22% APR (70% utilization)  \n\\- Monthly spend: $4,800 (split equally dining/groceries/wedding planning/misc)  \n\\- One-time wedding vendor deposits: $9,000 due in next 4 months (must be paid by card)  \n\\- Savings available: $1,800 per month, $0 prior savings  \n\\- Current cards: Chase Freedom Unlimited (opened 14 months ago), Citi Double Cash (opened 3 months ago), Chase Freedom Flex (opened 51 months ago)  \n\\- Wants to earn enough points to cover the honeymoon\n\nRequirements:  \n\\- Assume a 10% annual discount rate and treat interest paid as negative EV  \n\\- Provide a precise quarter-by-quarter 24-month roadmap  \n\\- If maximizing honeymoon points would reduce net value by more than 20% (e.g., because of high-interest debt or missed 0% APR windows), explicitly recommend the higher-EV path instead and explain the exact trade-off\n\nOutput the full sequenced strategy with exact cards/timing, expected transferable points earned, debt and savings balances by month, and a contingency card for each card application in case you aren\u2019t approved. Optimize for EV given the redemption values above.",
    "knowledge_base_ref": "knowledge_base.md",
    "kb_filter": [
      "Chase World of Hyatt",
      "Chase United Explorer",
      "Chase United Gateway",
      "Atmos Rewards Summit",
      "Amex Delta SkyMiles Gold",
      "Amex Delta SkyMiles Platinum",
      "Amex Delta SkyMiles Reserve",
      "Citi Strata",
      "Citi Strata Premier",
      "BofA Premium Rewards",
      "BofA Premium Rewards Elite",
      "Chase Freedom Unlimited",
      "Citi Double Cash",
      "Chase Freedom Flex",
      "Chase Sapphire Preferred",
      "Chase Sapphire Reserve",
      "Chase Ink Business Preferred",
      "Capital One Venture X",
      "Citi Diamond Preferred",
      "American Express Gold"
    ],
    "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 World of Hyatt",
            "Chase United Explorer",
            "Chase United Gateway",
            "Atmos Rewards Summit",
            "Amex Delta SkyMiles Gold",
            "Amex Delta SkyMiles Platinum",
            "Amex Delta SkyMiles Reserve",
            "Citi Strata",
            "Citi Strata Premier",
            "BofA Premium Rewards",
            "BofA Premium Rewards Elite"
          ],
          "expected_housing_option": null,
          "key_constraints_flags": [
            "low_credit_score",
            "high_debt",
            "wedding_spend",
            "discount_rate",
            "honeymoon_goal_tradeoff",
            "contingency_planning"
          ]
        },
        "hard_constraint": false
      },
      "ev_accuracy": {
        "weight": 0.4,
        "type": "automated",
        "description": "EV calculation accuracy vs. reference solution",
        "reference": {
          "reference_ev_usd": 4896.18,
          "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 World of Hyatt",
      "Chase United Explorer",
      "Chase United Gateway",
      "Atmos Rewards Summit",
      "Amex Delta SkyMiles Gold",
      "Amex Delta SkyMiles Platinum",
      "Amex Delta SkyMiles Reserve",
      "Citi Strata",
      "Citi Strata Premier",
      "BofA Premium Rewards",
      "BofA Premium Rewards Elite"
    ],
    "total_ev_usd": 4896.18,
    "ev_breakdown": {
      "signup_bonuses_usd": 3858.18,
      "ongoing_rewards_usd": 1620.0,
      "credits_usd": 0.0,
      "annual_fees_usd": -582.0,
      "other_usd": 0.0
    },
    "housing_option": null,
    "key_constraints_flags": [
      "low_credit_score",
      "high_debt",
      "wedding_spend",
      "discount_rate",
      "honeymoon_goal_tradeoff",
      "contingency_planning"
    ],
    "expert_notes": "Credit score 620 with $14k debt at 22% APR and 70% utilization. Must pay off debt and rehab credit before premium card approvals. 4 expected bonuses from contingency card list, avg EV $964.55. Non-bonus spend on existing cards: $1,620 EV. Wedding vendor deposits ($9k) should go toward signup bonus spend requirements. Honeymoon points goal likely >20% worse than optimal EV path given constraints. 10% annual discount rate applied to future values."
  }
}