{
    "ok": true,
    "_meta": {
        "isin": "IE000O58J820",
        "asset_scope": "UK_COMPLEX_ASSET",
        "policy_mode": "balanced",
        "policy_mode_description": "UCITS ETFs usually start from a non-complex baseline, but product-level complexity such as synthetic replication, swaps, leverage, inverse exposure, complex debt, commodity roll exposure, or comprehension warnings can override that baseline.",
        "classification_engine_version": "1.0.0",
        "prompt_version": "complex_asset_extract_v1",
        "captured_at_utc": "2026-06-06T19:57:58+00:00",
        "captured_unix": 1780775878
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    "confidence": 0.93,
    "review_required": false,
    "decision_rule_applied": "etf_priips_comprehension_alert_hard_complex_rule",
    "product_policy_branch": "ETF",
    "fund_name": "Vanguard ESG North America All Cap UCITS ETF",
    "isin": "IE000O58J820",
    "type": "ETF",
    "ucits": true,
    "asset_class": "equity",
    "replication_method": "physical",
    "signals": {
        "leveraged": false,
        "inverse": false,
        "derivatives_mentioned": true,
        "derivatives_core_strategy": false,
        "derivatives_epm_only": true,
        "swaps": true,
        "funded_swap": false,
        "unfunded_swap": false,
        "synthetic_replication": false,
        "counterparty_risk": true,
        "structured_payoff": false,
        "capital_protection": false,
        "commodity_futures_roll": false,
        "contango_backwardation": false,
        "coco_or_at1_exposure": false,
        "clo_exposure": false,
        "complex_index": false,
        "priips_comprehension_alert": true,
        "securities_lending": false,
        "illiquid_or_hard_to_value_underlying": false,
        "physical_allocated_commodity": false,
        "crypto_digital_asset": false
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        "No leverage identified",
        "No inverse exposure identified"
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    "consumer_understanding": {
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        "drivers": [
            "Synthetic or swap-based exposure",
            "Counterparty exposure may be relevant to returns or risk",
            "Counterparty risk language identified",
            "PRIIPs comprehension alert language",
            "Derivative use appears limited to efficient portfolio management, hedging or risk management",
            "UCITS ETF structure",
            "Physical replication or direct portfolio holdings"
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        "appropriateness_note": "This is a product-level indicator of features that may affect general investor understanding. It does not determine whether the product is appropriate for a specific client and does not replace a client-specific appropriateness assessment."
    },
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            "signal": "derivatives_mentioned",
            "quote": "The Fund may use derivatives in order to reduce risk or cost and/or generate extra income or growth."
        },
        {
            "source": "KIID",
            "signal": "derivatives_epm_only",
            "quote": "The Fund may use derivatives in order to reduce risk or cost and/or generate extra income or growth."
        },
        {
            "source": "KIID",
            "signal": "swaps",
            "quote": "Derivatives on an index (e.g. swaps, futures) may contain some underlying constituents which may not meet the screening criteria."
        },
        {
            "source": "KIID",
            "signal": "counterparty_risk",
            "quote": "Counterparty risk. The insolvency of any institutions providing services such as safekeeping of assets or acting as counterparty to derivatives or other instruments, may expose the Fund to financial loss."
        },
        {
            "source": "PRIIPS_KID",
            "signal": "priips_comprehension_alert",
            "quote": "You are about to purchase a Fund that is not simple and may be difficult to understand."
        },
        {
            "source": "KIID",
            "signal": "replication_method",
            "quote": "The Fund employs a passive management \u2013 or indexing \u2013 investment approach, through physical acquisition of securities"
        },
        {
            "source": "KIID",
            "signal": "ucits",
            "quote": "Vanguard ESG North America All Cap UCITS ETF (the \"Fund\") - A sub-fund of Vanguard Funds PLC"
        },
        {
            "source": "FACTSHEET",
            "signal": "type",
            "quote": "An exchange-traded fund"
        }
    ],
    "supporting_data": "Hard complex product feature identified: PRIIPs comprehension alert. Policy mode: balanced. Product type: ETF. UCITS signal identified. Replication method: physical.",
    "missing_data": [],
    "warnings": [
        "counterparty_risk_language_identified"
    ],
    "sources": {
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            "url": "https://oppl.ai/apy/doc_store/IE000O58J820_KIID.txt",
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            "http_code": 200,
            "bytes": 15423,
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            "http_code": 200,
            "bytes": 16561,
            "error": null
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            "url": "https://oppl.ai/apy/doc_store/IE000O58J820_FS.txt",
            "found": true,
            "http_code": 200,
            "bytes": 27246,
            "error": null
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        "market_data": {
            "url": "https://api.londonstockexchange.com/api/gw/lse/search/autocomplete?q=IE000O58J820&size=3",
            "found": true,
            "http_code": 200,
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