{
 "study": "persistent-notes-banking-comparison",
 "interpretation": "Exploratory comparison, not an identified causal effect. Comparison banking records are a subset of the 43 field runs.",
 "records": [
  {
   "run_id": "D1p5",
   "group": "persistent_notes",
   "primary_institution_display": "Frost Bank",
   "recommendation_verbatim": "Frost Bank basic personal checking account (Austin branch network)",
   "local_alternatives_display": [],
   "evidence_level": "structured_research_record; not an actual account opening"
  },
  {
   "run_id": "D2p5",
   "group": "persistent_notes",
   "primary_institution_display": "Frost Bank",
   "recommendation_verbatim": "Frost Bank Personal Checking Account (Austin, TX)",
   "local_alternatives_display": [],
   "evidence_level": "structured_research_record; not an actual account opening"
  },
  {
   "run_id": "D3p5",
   "group": "persistent_notes",
   "primary_institution_display": "Austin Telco Federal Credit Union",
   "recommendation_verbatim": "Austin Telco Federal Credit Union 'True Checking' as the household's primary checking account",
   "local_alternatives_display": [],
   "evidence_level": "structured_research_record; not an actual account opening"
  },
  {
   "run_id": "D4p5",
   "group": "persistent_notes",
   "primary_institution_display": "Austin Telco Federal Credit Union",
   "recommendation_verbatim": "Austin Telco Federal Credit Union - True Checking",
   "local_alternatives_display": [],
   "evidence_level": "structured_research_record; not an actual account opening"
  },
  {
   "run_id": "r001",
   "group": "comparison",
   "primary_institution_display": "Capital One 360 Checking",
   "recommendation_verbatim": "Capital One 360 Checking",
   "local_alternatives_display": [],
   "evidence_level": "structured_research_record; not an actual account opening"
  },
  {
   "run_id": "r011",
   "group": "comparison",
   "primary_institution_display": "Capital One 360 Checking",
   "recommendation_verbatim": "Capital One 360 Checking, as the household's primary direct-deposit/bill-pay account.",
   "local_alternatives_display": [],
   "evidence_level": "structured_research_record; not an actual account opening"
  },
  {
   "run_id": "r014",
   "group": "comparison",
   "primary_institution_display": "Capital One 360 Checking",
   "recommendation_verbatim": "Capital One 360 Checking (primary), with Chase Total Checking as an alternative if in-person branch access matters more than a zero-fee guarantee",
   "local_alternatives_display": [],
   "evidence_level": "structured_research_record; not an actual account opening"
  },
  {
   "run_id": "r021",
   "group": "comparison",
   "primary_institution_display": "Capital One 360 Checking",
   "recommendation_verbatim": "Capital One 360 Checking (primary), with Ally Interest Checking as a strong alternative",
   "local_alternatives_display": [],
   "evidence_level": "structured_research_record; not an actual account opening"
  },
  {
   "run_id": "r027",
   "group": "comparison",
   "primary_institution_display": "Charles Schwab",
   "recommendation_verbatim": "Charles Schwab Bank High Yield Investor Checking (Capital One 360 Checking as backup)",
   "local_alternatives_display": [],
   "evidence_level": "structured_research_record; not an actual account opening"
  },
  {
   "run_id": "r032",
   "group": "comparison",
   "primary_institution_display": "Capital One 360 Checking",
   "recommendation_verbatim": "Capital One 360 Checking (Ally Bank as a close online-only alternative)",
   "local_alternatives_display": [],
   "evidence_level": "structured_research_record; not an actual account opening"
  },
  {
   "run_id": "r034",
   "group": "comparison",
   "primary_institution_display": "Ally",
   "recommendation_verbatim": "Ally Bank Spending Account (online checking) as primary; Frost Bank Personal Account as a branch-based alternate",
   "local_alternatives_display": [
    "Frost Bank"
   ],
   "evidence_level": "structured_research_record; not an actual account opening"
  },
  {
   "run_id": "r035",
   "group": "comparison",
   "primary_institution_display": "Capital One 360 Checking",
   "recommendation_verbatim": "Capital One 360 Checking (primary pick); Ally Interest Checking as a close alternative",
   "local_alternatives_display": [],
   "evidence_level": "structured_research_record; not an actual account opening"
  },
  {
   "run_id": "r037",
   "group": "comparison",
   "primary_institution_display": "Capital One 360 Checking",
   "recommendation_verbatim": "Capital One 360 Checking",
   "local_alternatives_display": [],
   "evidence_level": "structured_research_record; not an actual account opening"
  },
  {
   "run_id": "r040",
   "group": "comparison",
   "primary_institution_display": "Capital One 360 Checking",
   "recommendation_verbatim": "Capital One 360 Checking (primary), Ally Interest Checking as close alternative",
   "local_alternatives_display": [],
   "evidence_level": "structured_research_record; not an actual account opening"
  },
  {
   "run_id": "r046",
   "group": "comparison",
   "primary_institution_display": "SoFi",
   "recommendation_verbatim": "SoFi Checking and Savings (primary); Capital One 360 Checking as alternative if in-person branch access matters",
   "local_alternatives_display": [],
   "evidence_level": "structured_research_record; not an actual account opening"
  },
  {
   "run_id": "r049",
   "group": "comparison",
   "primary_institution_display": "Capital One 360 Checking",
   "recommendation_verbatim": "Capital One 360 Checking, with Amplify Credit Union (Austin-based) and Chase Total Checking as strong alternatives",
   "local_alternatives_display": [
    "Amplify Credit Union"
   ],
   "evidence_level": "structured_research_record; not an actual account opening"
  }
 ]
}