{
  "created": "2026-10-24",
  "type": "illustrative assumptions, not observed market data",
  "homework": [
    {
      "label": "Zakázka A",
      "hourly_invoice": 300,
      "paid_hours": 4,
      "other_hours": 2,
      "direct_cost": 200,
      "invoice": 1200,
      "total_hours": 6,
      "remaining_before_tax_insurance": 1000,
      "effective_hourly": 166.66666666666666
    },
    {
      "label": "Zakázka B",
      "hourly_invoice": 240,
      "paid_hours": 5,
      "other_hours": 0.5,
      "direct_cost": 100,
      "invoice": 1200,
      "total_hours": 5.5,
      "remaining_before_tax_insurance": 1100,
      "effective_hourly": 200.0
    }
  ],
  "withdrawal": {
    "cash_required": 10000,
    "initial_unit_price": 100,
    "price_drop_percent": 20,
    "lower_unit_price": 80.0,
    "initial_units": 100.0,
    "lower_price_units": 125.0,
    "more_units_percent": 25.0
  },
  "methodology": {
    "homework": "(hourly_invoice × paid_hours − direct_cost) / (paid_hours + other_hours); before tax, insurance, VAT and unlisted business overhead; invoice assumed paid",
    "withdrawal": "cash_required / unit_price; single price decrease, no fees, taxes, currency changes or inflation; no probability or lifetime portfolio projection"
  }
}