{
  "version": 3,
  "scenarios": [
    {
      "id": "example-jo-and-chris",
      "name": "Example: Jo and Chris",
      "plan": {
        "version": 3,
        "household": {
          "relationship": "married",
          "spending": {
            "annual": 38000,
            "survivorPercent": 70
          },
          "housing": {
            "mode": "own_outright",
            "homeValue": 450000
          }
        },
        "people": [
          {
            "id": "p1",
            "name": "Jo",
            "birthYear": 1962,
            "birthMonth": 4,
            "lifeExpectancy": 92,
            "employment": {
              "salary": 0,
              "retirementAge": 64
            },
            "pensions": [
              {
                "id": "pension-jo",
                "name": "Workplace pension",
                "kind": "workplace",
                "balance": 180000,
                "growthRate": 5,
                "annualFeePercent": 0.5
              }
            ]
          },
          {
            "id": "p2",
            "name": "Chris",
            "birthYear": 1959,
            "birthMonth": 10,
            "lifeExpectancy": 80,
            "employment": {
              "salary": 0,
              "retirementAge": 67
            },
            "pensions": [
              {
                "id": "pension-chris",
                "name": "SIPP",
                "kind": "sipp",
                "balance": 300000,
                "growthRate": 5,
                "annualFeePercent": 0.5
              }
            ],
            "definedBenefitPensions": [
              {
                "id": "db-chris",
                "name": "Final salary pension",
                "annualIncome": 14000,
                "startAge": 60,
                "indexation": "inflation",
                "survivorPercent": 50
              }
            ]
          }
        ],
        "accounts": [
          {
            "id": "cash-joint",
            "name": "Joint savings",
            "type": "cash",
            "owner": "joint",
            "balance": 30000,
            "growthRate": 3
          },
          {
            "id": "isa-jo",
            "name": "Stocks and shares ISA (Jo)",
            "type": "isa",
            "owner": "p1",
            "balance": 60000,
            "growthRate": 5
          },
          {
            "id": "isa-chris",
            "name": "Stocks and shares ISA (Chris)",
            "type": "isa",
            "owner": "p2",
            "balance": 85000,
            "growthRate": 5
          }
        ]
      }
    }
  ]
}