SYNTHETIC TEST POLICY ONLY
Version: TEST-1
As-of date: 2026-10-15
Candidate reminder: unpaid, outstanding_amount greater than zero and supplied due_date before as-of.
Exclude paid, disputed, hold_flag=true or manual_pause=true.
Route every trust_account payment plan for manual review, with no reminder draft.
At most one reviewed reminder per seven days. Recheck the current billing system before sending anything.