{"id":218455,"recorded_at":"2026-10-26T14:55:55.871033Z","observed_at":"2026-10-26T14:55:55.870992Z","subject_kind":"endpoint","subject":"c37bbb32-1aa5-4c28-a4da-75387f588e7a","kind":"mcp.tools","method":"probe.mcp/1","body":{"count":4,"tools":[{"description":"Project the cumulative cost of a fee list over 1-30 years by straight multiplication of each recurring fee's annualized amount, with one-time fees counted once (no compounding or inflation), with a per-fee breakdown. Use for 'what will these cost me over N years'. It does not flag fees: use audit_fees to find problem charges, benchmark_fees for typical ranges.","inputSchema":{"properties":{"fees":{"description":"Non-empty list of fees to project, each {name, amount, frequency, category?}; category is accepted but not used here","items":{"properties":{"amount":{"description":"Amount per charge in USD, greater than 0, e.g. 38 or 15.99 (for monthly fees, the monthly amount)","exclusiveMinimum":0,"type":"number"},"category":{"description":"Optional benchmark category key (case-insensitive; spaces/hyphens become underscores). One of: bank_overdraft, bank_monthly_maintenance, atm_out_of_network, late_payment, gym_membership_monthly, streaming_monthly, airline_checked_bag, airline_seat_fee, ticket_convenience, rental_application, subscription_app_monthly, delivery_fee, airline_change_fee, hotel_resort_fee. Unknown keys are ignored for benchmarking and listed in audit_fees' note.","type":"string"},"frequency":{"description":"How often the fee is charged: 'monthly' (x12 per year), 'annual' or 'one-time'","enum":["monthly","annual","one-time"],"type":"string"},"name":{"description":"Fee label as it appears on the statement, e.g. 'Overdraft fee' or 'Netflix'","minLength":1,"type":"string"}},"required":["name","amount","frequency"],"type":"object"},"minItems":1,"type":"array"},"years":{"description":"Number of years to project, integer 1-30; default 1","maximum":30,"minimum":1,"type":"integer"}},"required":["fees"],"type":"object"},"name":"annual_cost"},{"description":"Audit a list of fees: annualize each one (monthly x12), total the yearly cost and monthly average, and flag charges above the typical US range for their category, duplicate names and one-time fees of $30+ worth disputing. Use when the user lists fees to review. For a multi-year projection use annual_cost; for typical ranges alone use benchmark_fees.","inputSchema":{"properties":{"fees":{"description":"Non-empty list of fees to audit, each {name, amount, frequency, category?}","items":{"properties":{"amount":{"description":"Amount per charge in USD, greater than 0, e.g. 38 or 15.99 (for monthly fees, the monthly amount)","exclusiveMinimum":0,"type":"number"},"category":{"description":"Optional benchmark category key (case-insensitive; spaces/hyphens become underscores). One of: bank_overdraft, bank_monthly_maintenance, atm_out_of_network, late_payment, gym_membership_monthly, streaming_monthly, airline_checked_bag, airline_seat_fee, ticket_convenience, rental_application, subscription_app_monthly, delivery_fee, airline_change_fee, hotel_resort_fee. Unknown keys are ignored for benchmarking and listed in audit_fees' note.","type":"string"},"frequency":{"description":"How often the fee is charged: 'monthly' (x12 per year), 'annual' or 'one-time'","enum":["monthly","annual","one-time"],"type":"string"},"name":{"description":"Fee label as it appears on the statement, e.g. 'Overdraft fee' or 'Netflix'","minLength":1,"type":"string"}},"required":["name","amount","frequency"],"type":"object"},"minItems":1,"type":"array"}},"required":["fees"],"type":"object"},"name":"audit_fees"},{"description":"Look up typical US consumer fee ranges (min/max per charge, USD) for one category such as bank_overdraft, or the full 14-category table when category is omitted. Use to answer 'is this fee normal?' questions. To check a user's own list of fees against these ranges, use audit_fees.","inputSchema":{"properties":{"category":{"description":"Category key (case-insensitive; spaces/hyphens become underscores), one of: bank_overdraft, bank_monthly_maintenance, atm_out_of_network, late_payment, gym_membership_monthly, streaming_monthly, airline_checked_bag, airline_seat_fee, ticket_convenience, rental_application, subscription_app_monthly, delivery_fee, airline_change_fee, hotel_resort_fee. Omit to get the full table; an unknown key returns an error listing valid keys.","type":"string"}},"type":"object"},"name":"benchmark_fees"},{"description":"Draft (text only; nothing is sent) a firm, polite letter asking a company to reverse or refund one specific fee, with grounds, a 14-day written-response request, an escalation path and sending tips. Use once the user has picked a fee to contest. To find which fees are worth disputing first, use audit_fees.","inputSchema":{"properties":{"account_reference":{"description":"Optional account or reference number; prefer a masked form like '****1234'","type":"string"},"amount":{"description":"Fee amount in USD, greater than 0, e.g. 38","exclusiveMinimum":0,"type":"number"},"company":{"description":"Company or bank that charged the fee, e.g. 'First National Bank'","type":"string"},"date_charged":{"description":"Optional date the fee was charged, free text, e.g. 2026-09-14","type":"string"},"fee_name":{"description":"Name of the fee being disputed, e.g. 'Overdraft fee'","type":"string"},"reason":{"description":"Optional grounds for the dispute; default cites an undisclosed/unexpected charge and asks for a courtesy reversal","type":"string"},"requested_action":{"description":"What to ask the company to do, e.g. 'waive' or 'refund'; default 'reverse or refund'","type":"string"},"your_name":{"description":"Account holder's full name, used in From and to sign the letter","type":"string"}},"required":["fee_name","amount","company","your_name"],"type":"object"},"name":"dispute_letter"}]},"body_sha256":"e7e5739581ad3b81aa171af1ead95b060992a47bbf16bab1330736c019beb70b","prev_id":null,"leaf":"0x66b5ad6e6e323340a009a181e74cbf5a669ac5adfbfc97817e51f70d89860646","leaf_text":"{\"body\":\"e7e5739581ad3b81aa171af1ead95b060992a47bbf16bab1330736c019beb70b\",\"id\":218455,\"kind\":\"mcp.tools\",\"method\":\"probe.mcp/1\",\"observed_us\":1793026555870992,\"prev\":null,\"subject\":\"c37bbb32-1aa5-4c28-a4da-75387f588e7a\",\"subject_kind\":\"endpoint\"}","day":{"day":"2026-10-26","leaves":296695,"root":"0xf43e8dcc3d451a4788b26be904c55e8c4c0fa75c9666796c51db38d37e2c0df8","chained":"0x702d5ac508f08b0d1accf36af25822d8e5660367494edd17a642fb61e158a57a","anchor_chain":"eip155:5042002","anchor_tx":"0x495162f8936e19f0039918feebe6c307f327cd6bf8c37219620b1970041fa9ae","anchor_block":69251483},"proof":["0x66b5b94b3e2712d1cd5392cebfdb6baeb1df62e090c583433b155f59c3b7b396","0xd61f2d91a08f4971992485cf1215090135323953ca5ebc1b97c84936646cfd16","0x539ca5248b4682cdfbd39d6d65fb3b70493dd87504f356f305fcb0d16659d339","0xd99d55e94a5bd22cd97b8fd475a3328d66ddb1c76ffd9cf775da88ac3ae881f9","0xe2e6f3a779ebd9c530aa47202f550ef1c0a0a55da165c6c631320795ac15bd92","0x4fb92fba3c55306865669bf4fe4d0667b71d630fea206a1db5c1b5ed62ac923d","0x17f78793101294e8600f35c300e73e6aff405c962be2589493ae394226bafe64","0xa0c12f38e9ff53def5906e2a34fff4fd2a0a0c81fa8cbb0be9cd38898fed6962","0x4f258e530d6d1a372b1d75127867f481897f7af6e258525d28b09bb88a6f65a6","0x1532666d1a6a9b626e54c3e93335a185ec833ad947243bdea3c723654b68d9f4","0x13951c97c827e2025801573dada28cfb5f8038c9b4de741f9d526cb67b3fe605","0x260682fd6ecd274e73505c5e0bd798abdd0e702afca4f8eebd4331b607a6b175","0x5f350d70c252ff1169c0210fd45fce1b0ab8d7316f048741a9e90a6c8cb65dcf","0x9a79c65e077cd9da9d436b3ade6f5ddc0d244510c4d5903ef2f02d81205f7666","0xa2d436d488e3600b0e5c3e3ed9c9234cd52853c59830b786334fd0c4292d9f40","0x47b89901b0f07938a6b9a66ddf35683903f79d756a7c7763665fd632758b08d0","0x9a83be955a206deb65b995adfd92c58fa31c95fbbf926bd199d300e70b08b26d","0x20704208aa6923d6b2450ef74ede87a6e0265d46447926038fe9506e9e154b2d","0x9b9ce5b74b9bab5121612ef6b64920a8d453cbf311096a423eef9702747e868a"]}