{
  "format": "numbrite-bill-reserves", "version": 1, "currency": "MYR", "payday": 28,
  "bills": [
    {"id":"example-insurance","name":"Insurance example / 保险算例","amount":240000,"reserved":30000,"due":"2027-04-01","anchor":1,"interval":12},
    {"id":"example-subscription","name":"Subscription example / 订阅算例","amount":18000,"reserved":0,"due":"2026-11-01","anchor":1,"interval":12}
  ],
  "payments": []
}