tools/audit/personas.json

[
  {
    "persona_id": "P001",
    "name": "Aarav Sharma",
    "archetype": "first_buyer",
    "archetype_label": "First-time health insurance buyer",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "coverage_breadth",
      "premium_value",
      "claim_settlement"
    ],
    "age": 24,
    "dependents": "self",
    "income_band": "under_5L",
    "location_tier": "metro",
    "marital_stage": "single",
    "existing_cover_inr": 0,
    "health_conditions": [],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "under_15k",
    "style": "terse",
    "style_label": "Terse — 3-7 word answers",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P002",
    "name": "Diya Joshi",
    "archetype": "first_buyer",
    "archetype_label": "First-time health insurance buyer",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "coverage_breadth",
      "premium_value",
      "claim_settlement"
    ],
    "age": 28,
    "dependents": "self",
    "income_band": "5L-10L",
    "location_tier": "metro",
    "marital_stage": "single",
    "existing_cover_inr": 0,
    "health_conditions": [],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "15k_30k",
    "style": "verbose",
    "style_label": "Verbose — paragraphs of context",
    "lang": "en",
    "style_hedges": [
      "um, ",
      "well, ",
      "you know, "
    ]
  },
  {
    "persona_id": "P003",
    "name": "Rohan Banerjee",
    "archetype": "first_buyer",
    "archetype_label": "First-time health insurance buyer",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "coverage_breadth",
      "premium_value",
      "claim_settlement"
    ],
    "age": 31,
    "dependents": "self+spouse",
    "income_band": "10L-25L",
    "location_tier": "metro",
    "marital_stage": "married",
    "existing_cover_inr": 0,
    "health_conditions": [],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "hinglish",
    "style_label": "English with Hindi words sprinkled",
    "lang": "hinglish",
    "style_hedges": []
  },
  {
    "persona_id": "P004",
    "name": "Ananya Iyer",
    "archetype": "first_buyer",
    "archetype_label": "First-time health insurance buyer",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "coverage_breadth",
      "premium_value",
      "claim_settlement"
    ],
    "age": 34,
    "dependents": "self+spouse+kids",
    "income_band": "10L-25L",
    "location_tier": "tier1",
    "marital_stage": "married_kids",
    "existing_cover_inr": 0,
    "health_conditions": [],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "formal_en",
    "style_label": "Formal English, full sentences",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P005",
    "name": "Vikram Khan",
    "archetype": "first_buyer",
    "archetype_label": "First-time health insurance buyer",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "coverage_breadth",
      "premium_value",
      "claim_settlement"
    ],
    "age": 38,
    "dependents": "self+spouse+kids",
    "income_band": "25L+",
    "location_tier": "metro",
    "marital_stage": "married_kids",
    "existing_cover_inr": 0,
    "health_conditions": [],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "60k+",
    "style": "casual_en",
    "style_label": "Casual English with typos and lowercase",
    "lang": "en",
    "style_hedges": [
      "btw ",
      "lol ",
      "tbh "
    ]
  },
  {
    "persona_id": "P006",
    "name": "Priya Kapoor",
    "archetype": "first_buyer",
    "archetype_label": "First-time health insurance buyer",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "coverage_breadth",
      "premium_value",
      "claim_settlement"
    ],
    "age": 42,
    "dependents": "self+spouse+kids+parents",
    "income_band": "25L+",
    "location_tier": "metro",
    "marital_stage": "sandwich_gen",
    "existing_cover_inr": 0,
    "health_conditions": [],
    "parents_to_insure": true,
    "parents_age_max": 75,
    "parents_has_ped": false,
    "budget_band": "60k+",
    "style": "hindi_primary",
    "style_label": "Mostly Hindi (Devanagari letters)",
    "lang": "hi",
    "style_hedges": []
  },
  {
    "persona_id": "P007",
    "name": "Karthik Mehta",
    "archetype": "first_buyer",
    "archetype_label": "First-time health insurance buyer",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "coverage_breadth",
      "premium_value",
      "claim_settlement"
    ],
    "age": 47,
    "dependents": "self+spouse+parents",
    "income_band": "10L-25L",
    "location_tier": "tier1",
    "marital_stage": "married_no_kids",
    "existing_cover_inr": 0,
    "health_conditions": [],
    "parents_to_insure": true,
    "parents_age_max": 75,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "anxious_q",
    "style_label": "Asks lots of follow-up questions",
    "lang": "en",
    "style_hedges": [
      "but ",
      "wait, ",
      "what about "
    ]
  },
  {
    "persona_id": "P008",
    "name": "Meera Pillai",
    "archetype": "first_buyer",
    "archetype_label": "First-time health insurance buyer",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "coverage_breadth",
      "premium_value",
      "claim_settlement"
    ],
    "age": 52,
    "dependents": "self+spouse",
    "income_band": "10L-25L",
    "location_tier": "tier2",
    "marital_stage": "empty_nester",
    "existing_cover_inr": 0,
    "health_conditions": [
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "numbers_heavy",
    "style_label": "Quotes specific numbers and policies",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P009",
    "name": "Saif Nair",
    "archetype": "first_buyer",
    "archetype_label": "First-time health insurance buyer",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "coverage_breadth",
      "premium_value",
      "claim_settlement"
    ],
    "age": 58,
    "dependents": "self+spouse",
    "income_band": "5L-10L",
    "location_tier": "tier2",
    "marital_stage": "near_retire",
    "existing_cover_inr": 0,
    "health_conditions": [
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "15k_30k",
    "style": "stream",
    "style_label": "Stream-of-consciousness, rambles",
    "lang": "en",
    "style_hedges": [
      "uh ",
      "hmm ",
      "and ",
      "also "
    ]
  },
  {
    "persona_id": "P010",
    "name": "Ishita Reddy",
    "archetype": "first_buyer",
    "archetype_label": "First-time health insurance buyer",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "coverage_breadth",
      "premium_value",
      "claim_settlement"
    ],
    "age": 63,
    "dependents": "self+spouse",
    "income_band": "under_5L",
    "location_tier": "tier3",
    "marital_stage": "retired",
    "existing_cover_inr": 0,
    "health_conditions": [
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "under_15k",
    "style": "tester",
    "style_label": "Tries to trip up the bot",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P011",
    "name": "Diya Reddy",
    "archetype": "upgrader",
    "archetype_label": "Existing-cover upgrader",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "sum_insured_size",
      "ped_waiting",
      "restoration_benefit"
    ],
    "age": 24,
    "dependents": "self",
    "income_band": "under_5L",
    "location_tier": "metro",
    "marital_stage": "single",
    "existing_cover_inr": 500000,
    "health_conditions": [],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "under_15k",
    "style": "verbose",
    "style_label": "Verbose — paragraphs of context",
    "lang": "en",
    "style_hedges": [
      "um, ",
      "well, ",
      "you know, "
    ]
  },
  {
    "persona_id": "P012",
    "name": "Rohan Sharma",
    "archetype": "upgrader",
    "archetype_label": "Existing-cover upgrader",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "sum_insured_size",
      "ped_waiting",
      "restoration_benefit"
    ],
    "age": 28,
    "dependents": "self",
    "income_band": "5L-10L",
    "location_tier": "metro",
    "marital_stage": "single",
    "existing_cover_inr": 500000,
    "health_conditions": [],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "15k_30k",
    "style": "hinglish",
    "style_label": "English with Hindi words sprinkled",
    "lang": "hinglish",
    "style_hedges": []
  },
  {
    "persona_id": "P013",
    "name": "Ananya Joshi",
    "archetype": "upgrader",
    "archetype_label": "Existing-cover upgrader",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "sum_insured_size",
      "ped_waiting",
      "restoration_benefit"
    ],
    "age": 31,
    "dependents": "self+spouse",
    "income_band": "10L-25L",
    "location_tier": "metro",
    "marital_stage": "married",
    "existing_cover_inr": 500000,
    "health_conditions": [],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "formal_en",
    "style_label": "Formal English, full sentences",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P014",
    "name": "Vikram Banerjee",
    "archetype": "upgrader",
    "archetype_label": "Existing-cover upgrader",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "sum_insured_size",
      "ped_waiting",
      "restoration_benefit"
    ],
    "age": 34,
    "dependents": "self+spouse+kids",
    "income_band": "10L-25L",
    "location_tier": "tier1",
    "marital_stage": "married_kids",
    "existing_cover_inr": 500000,
    "health_conditions": [],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "casual_en",
    "style_label": "Casual English with typos and lowercase",
    "lang": "en",
    "style_hedges": [
      "btw ",
      "lol ",
      "tbh "
    ]
  },
  {
    "persona_id": "P015",
    "name": "Priya Iyer",
    "archetype": "upgrader",
    "archetype_label": "Existing-cover upgrader",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "sum_insured_size",
      "ped_waiting",
      "restoration_benefit"
    ],
    "age": 38,
    "dependents": "self+spouse+kids",
    "income_band": "25L+",
    "location_tier": "metro",
    "marital_stage": "married_kids",
    "existing_cover_inr": 500000,
    "health_conditions": [],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "60k+",
    "style": "hindi_primary",
    "style_label": "Mostly Hindi (Devanagari letters)",
    "lang": "hi",
    "style_hedges": []
  },
  {
    "persona_id": "P016",
    "name": "Karthik Khan",
    "archetype": "upgrader",
    "archetype_label": "Existing-cover upgrader",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "sum_insured_size",
      "ped_waiting",
      "restoration_benefit"
    ],
    "age": 42,
    "dependents": "self+spouse+kids+parents",
    "income_band": "25L+",
    "location_tier": "metro",
    "marital_stage": "sandwich_gen",
    "existing_cover_inr": 500000,
    "health_conditions": [],
    "parents_to_insure": true,
    "parents_age_max": 75,
    "parents_has_ped": false,
    "budget_band": "60k+",
    "style": "anxious_q",
    "style_label": "Asks lots of follow-up questions",
    "lang": "en",
    "style_hedges": [
      "but ",
      "wait, ",
      "what about "
    ]
  },
  {
    "persona_id": "P017",
    "name": "Meera Kapoor",
    "archetype": "upgrader",
    "archetype_label": "Existing-cover upgrader",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "sum_insured_size",
      "ped_waiting",
      "restoration_benefit"
    ],
    "age": 47,
    "dependents": "self+spouse+parents",
    "income_band": "10L-25L",
    "location_tier": "tier1",
    "marital_stage": "married_no_kids",
    "existing_cover_inr": 500000,
    "health_conditions": [],
    "parents_to_insure": true,
    "parents_age_max": 75,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "numbers_heavy",
    "style_label": "Quotes specific numbers and policies",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P018",
    "name": "Saif Mehta",
    "archetype": "upgrader",
    "archetype_label": "Existing-cover upgrader",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "sum_insured_size",
      "ped_waiting",
      "restoration_benefit"
    ],
    "age": 52,
    "dependents": "self+spouse",
    "income_band": "10L-25L",
    "location_tier": "tier2",
    "marital_stage": "empty_nester",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "stream",
    "style_label": "Stream-of-consciousness, rambles",
    "lang": "en",
    "style_hedges": [
      "uh ",
      "hmm ",
      "and ",
      "also "
    ]
  },
  {
    "persona_id": "P019",
    "name": "Ishita Pillai",
    "archetype": "upgrader",
    "archetype_label": "Existing-cover upgrader",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "sum_insured_size",
      "ped_waiting",
      "restoration_benefit"
    ],
    "age": 58,
    "dependents": "self+spouse",
    "income_band": "5L-10L",
    "location_tier": "tier2",
    "marital_stage": "near_retire",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "15k_30k",
    "style": "tester",
    "style_label": "Tries to trip up the bot",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P020",
    "name": "Aarav Nair",
    "archetype": "upgrader",
    "archetype_label": "Existing-cover upgrader",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "sum_insured_size",
      "ped_waiting",
      "restoration_benefit"
    ],
    "age": 63,
    "dependents": "self+spouse",
    "income_band": "under_5L",
    "location_tier": "tier3",
    "marital_stage": "retired",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "under_15k",
    "style": "terse",
    "style_label": "Terse — 3-7 word answers",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P021",
    "name": "Rohan Nair",
    "archetype": "senior_care",
    "archetype_label": "Buying for senior parents",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "parents_age_max",
      "ped_waiting",
      "specific_disease_waiting"
    ],
    "age": 24,
    "dependents": "self",
    "income_band": "under_5L",
    "location_tier": "metro",
    "marital_stage": "single",
    "existing_cover_inr": 0,
    "health_conditions": [],
    "parents_to_insure": true,
    "parents_age_max": 75,
    "parents_has_ped": true,
    "budget_band": "under_15k",
    "style": "hinglish",
    "style_label": "English with Hindi words sprinkled",
    "lang": "hinglish",
    "style_hedges": []
  },
  {
    "persona_id": "P022",
    "name": "Ananya Reddy",
    "archetype": "senior_care",
    "archetype_label": "Buying for senior parents",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "parents_age_max",
      "ped_waiting",
      "specific_disease_waiting"
    ],
    "age": 28,
    "dependents": "self",
    "income_band": "5L-10L",
    "location_tier": "metro",
    "marital_stage": "single",
    "existing_cover_inr": 0,
    "health_conditions": [],
    "parents_to_insure": true,
    "parents_age_max": 75,
    "parents_has_ped": true,
    "budget_band": "15k_30k",
    "style": "formal_en",
    "style_label": "Formal English, full sentences",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P023",
    "name": "Vikram Sharma",
    "archetype": "senior_care",
    "archetype_label": "Buying for senior parents",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "parents_age_max",
      "ped_waiting",
      "specific_disease_waiting"
    ],
    "age": 31,
    "dependents": "self+spouse",
    "income_band": "10L-25L",
    "location_tier": "metro",
    "marital_stage": "married",
    "existing_cover_inr": 0,
    "health_conditions": [],
    "parents_to_insure": true,
    "parents_age_max": 75,
    "parents_has_ped": true,
    "budget_band": "30k_60k",
    "style": "casual_en",
    "style_label": "Casual English with typos and lowercase",
    "lang": "en",
    "style_hedges": [
      "btw ",
      "lol ",
      "tbh "
    ]
  },
  {
    "persona_id": "P024",
    "name": "Priya Joshi",
    "archetype": "senior_care",
    "archetype_label": "Buying for senior parents",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "parents_age_max",
      "ped_waiting",
      "specific_disease_waiting"
    ],
    "age": 34,
    "dependents": "self+spouse+kids",
    "income_band": "10L-25L",
    "location_tier": "tier1",
    "marital_stage": "married_kids",
    "existing_cover_inr": 0,
    "health_conditions": [],
    "parents_to_insure": true,
    "parents_age_max": 75,
    "parents_has_ped": true,
    "budget_band": "30k_60k",
    "style": "hindi_primary",
    "style_label": "Mostly Hindi (Devanagari letters)",
    "lang": "hi",
    "style_hedges": []
  },
  {
    "persona_id": "P025",
    "name": "Karthik Banerjee",
    "archetype": "senior_care",
    "archetype_label": "Buying for senior parents",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "parents_age_max",
      "ped_waiting",
      "specific_disease_waiting"
    ],
    "age": 38,
    "dependents": "self+spouse+kids",
    "income_band": "25L+",
    "location_tier": "metro",
    "marital_stage": "married_kids",
    "existing_cover_inr": 0,
    "health_conditions": [],
    "parents_to_insure": true,
    "parents_age_max": 75,
    "parents_has_ped": true,
    "budget_band": "60k+",
    "style": "anxious_q",
    "style_label": "Asks lots of follow-up questions",
    "lang": "en",
    "style_hedges": [
      "but ",
      "wait, ",
      "what about "
    ]
  },
  {
    "persona_id": "P026",
    "name": "Meera Iyer",
    "archetype": "senior_care",
    "archetype_label": "Buying for senior parents",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "parents_age_max",
      "ped_waiting",
      "specific_disease_waiting"
    ],
    "age": 42,
    "dependents": "self+spouse+kids+parents",
    "income_band": "25L+",
    "location_tier": "metro",
    "marital_stage": "sandwich_gen",
    "existing_cover_inr": 0,
    "health_conditions": [],
    "parents_to_insure": true,
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    "style_label": "Quotes specific numbers and policies",
    "lang": "en",
    "style_hedges": []
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      "ped_waiting",
      "specific_disease_waiting"
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      "uh ",
      "hmm ",
      "and ",
      "also "
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      "ped_waiting",
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    "style_label": "Tries to trip up the bot",
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      "ped_waiting",
      "specific_disease_waiting"
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    "style_label": "Terse — 3-7 word answers",
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      "ped_waiting",
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    "style_hedges": [
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      "well, ",
      "you know, "
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      "sub_limits",
      "network_hospitals",
      "no_claim_bonus"
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      "sub_limits",
      "network_hospitals",
      "no_claim_bonus"
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    "style_label": "Casual English with typos and lowercase",
    "lang": "en",
    "style_hedges": [
      "btw ",
      "lol ",
      "tbh "
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      "network_hospitals",
      "no_claim_bonus"
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      "sub_limits",
      "network_hospitals",
      "no_claim_bonus"
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    "lang": "en",
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      "wait, ",
      "what about "
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      "network_hospitals",
      "no_claim_bonus"
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      "hmm ",
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      "exclusions",
      "free_look"
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      "lol ",
      "tbh "
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      "exclusions",
      "free_look"
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      "exclusions",
      "free_look"
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      "wait, ",
      "what about "
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      "hmm ",
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      "exclusions",
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      "well, ",
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      "tax_treatment",
      "ombudsman"
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      "tax_treatment",
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      "tbh "
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    "persona_id": "P078",
    "name": "Vikram Sharma",
    "archetype": "low_trust",
    "archetype_label": "Low trust in insurers; needs proof",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "claim_settlement",
      "reviews",
      "regulatory_overlay"
    ],
    "age": 52,
    "dependents": "self+spouse",
    "income_band": "10L-25L",
    "location_tier": "tier2",
    "marital_stage": "empty_nester",
    "existing_cover_inr": 0,
    "health_conditions": [
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "casual_en",
    "style_label": "Casual English with typos and lowercase",
    "lang": "en",
    "style_hedges": [
      "btw ",
      "lol ",
      "tbh "
    ]
  },
  {
    "persona_id": "P079",
    "name": "Priya Joshi",
    "archetype": "low_trust",
    "archetype_label": "Low trust in insurers; needs proof",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "claim_settlement",
      "reviews",
      "regulatory_overlay"
    ],
    "age": 58,
    "dependents": "self+spouse",
    "income_band": "5L-10L",
    "location_tier": "tier2",
    "marital_stage": "near_retire",
    "existing_cover_inr": 0,
    "health_conditions": [
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "15k_30k",
    "style": "hindi_primary",
    "style_label": "Mostly Hindi (Devanagari letters)",
    "lang": "hi",
    "style_hedges": []
  },
  {
    "persona_id": "P080",
    "name": "Karthik Banerjee",
    "archetype": "low_trust",
    "archetype_label": "Low trust in insurers; needs proof",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "claim_settlement",
      "reviews",
      "regulatory_overlay"
    ],
    "age": 63,
    "dependents": "self+spouse",
    "income_band": "under_5L",
    "location_tier": "tier3",
    "marital_stage": "retired",
    "existing_cover_inr": 0,
    "health_conditions": [
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "under_15k",
    "style": "anxious_q",
    "style_label": "Asks lots of follow-up questions",
    "lang": "en",
    "style_hedges": [
      "but ",
      "wait, ",
      "what about "
    ]
  },
  {
    "persona_id": "P081",
    "name": "Saif Banerjee",
    "archetype": "code_switcher",
    "archetype_label": "Switches English ↔ Hinglish mid-flow",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "language_switch",
      "premium_band",
      "coverage_breadth"
    ],
    "age": 24,
    "dependents": "self",
    "income_band": "under_5L",
    "location_tier": "metro",
    "marital_stage": "single",
    "existing_cover_inr": 500000,
    "health_conditions": [],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "under_15k",
    "style": "stream",
    "style_label": "Stream-of-consciousness, rambles",
    "lang": "en",
    "style_hedges": [
      "uh ",
      "hmm ",
      "and ",
      "also "
    ]
  },
  {
    "persona_id": "P082",
    "name": "Ishita Iyer",
    "archetype": "code_switcher",
    "archetype_label": "Switches English ↔ Hinglish mid-flow",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "language_switch",
      "premium_band",
      "coverage_breadth"
    ],
    "age": 28,
    "dependents": "self",
    "income_band": "5L-10L",
    "location_tier": "metro",
    "marital_stage": "single",
    "existing_cover_inr": 500000,
    "health_conditions": [],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "15k_30k",
    "style": "tester",
    "style_label": "Tries to trip up the bot",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P083",
    "name": "Aarav Khan",
    "archetype": "code_switcher",
    "archetype_label": "Switches English ↔ Hinglish mid-flow",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "language_switch",
      "premium_band",
      "coverage_breadth"
    ],
    "age": 31,
    "dependents": "self+spouse",
    "income_band": "10L-25L",
    "location_tier": "metro",
    "marital_stage": "married",
    "existing_cover_inr": 500000,
    "health_conditions": [],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "terse",
    "style_label": "Terse — 3-7 word answers",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P084",
    "name": "Diya Kapoor",
    "archetype": "code_switcher",
    "archetype_label": "Switches English ↔ Hinglish mid-flow",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "language_switch",
      "premium_band",
      "coverage_breadth"
    ],
    "age": 34,
    "dependents": "self+spouse+kids",
    "income_band": "10L-25L",
    "location_tier": "tier1",
    "marital_stage": "married_kids",
    "existing_cover_inr": 500000,
    "health_conditions": [],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "verbose",
    "style_label": "Verbose — paragraphs of context",
    "lang": "en",
    "style_hedges": [
      "um, ",
      "well, ",
      "you know, "
    ]
  },
  {
    "persona_id": "P085",
    "name": "Rohan Mehta",
    "archetype": "code_switcher",
    "archetype_label": "Switches English ↔ Hinglish mid-flow",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "language_switch",
      "premium_band",
      "coverage_breadth"
    ],
    "age": 38,
    "dependents": "self+spouse+kids",
    "income_band": "25L+",
    "location_tier": "metro",
    "marital_stage": "married_kids",
    "existing_cover_inr": 500000,
    "health_conditions": [],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "60k+",
    "style": "hinglish",
    "style_label": "English with Hindi words sprinkled",
    "lang": "hinglish",
    "style_hedges": []
  },
  {
    "persona_id": "P086",
    "name": "Ananya Pillai",
    "archetype": "code_switcher",
    "archetype_label": "Switches English ↔ Hinglish mid-flow",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "language_switch",
      "premium_band",
      "coverage_breadth"
    ],
    "age": 42,
    "dependents": "self+spouse+kids+parents",
    "income_band": "25L+",
    "location_tier": "metro",
    "marital_stage": "sandwich_gen",
    "existing_cover_inr": 500000,
    "health_conditions": [],
    "parents_to_insure": true,
    "parents_age_max": 75,
    "parents_has_ped": false,
    "budget_band": "60k+",
    "style": "formal_en",
    "style_label": "Formal English, full sentences",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P087",
    "name": "Vikram Nair",
    "archetype": "code_switcher",
    "archetype_label": "Switches English ↔ Hinglish mid-flow",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "language_switch",
      "premium_band",
      "coverage_breadth"
    ],
    "age": 47,
    "dependents": "self+spouse+parents",
    "income_band": "10L-25L",
    "location_tier": "tier1",
    "marital_stage": "married_no_kids",
    "existing_cover_inr": 500000,
    "health_conditions": [],
    "parents_to_insure": true,
    "parents_age_max": 75,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "casual_en",
    "style_label": "Casual English with typos and lowercase",
    "lang": "en",
    "style_hedges": [
      "btw ",
      "lol ",
      "tbh "
    ]
  },
  {
    "persona_id": "P088",
    "name": "Priya Reddy",
    "archetype": "code_switcher",
    "archetype_label": "Switches English ↔ Hinglish mid-flow",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "language_switch",
      "premium_band",
      "coverage_breadth"
    ],
    "age": 52,
    "dependents": "self+spouse",
    "income_band": "10L-25L",
    "location_tier": "tier2",
    "marital_stage": "empty_nester",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "hindi_primary",
    "style_label": "Mostly Hindi (Devanagari letters)",
    "lang": "hi",
    "style_hedges": []
  },
  {
    "persona_id": "P089",
    "name": "Karthik Sharma",
    "archetype": "code_switcher",
    "archetype_label": "Switches English ↔ Hinglish mid-flow",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "language_switch",
      "premium_band",
      "coverage_breadth"
    ],
    "age": 58,
    "dependents": "self+spouse",
    "income_band": "5L-10L",
    "location_tier": "tier2",
    "marital_stage": "near_retire",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "15k_30k",
    "style": "anxious_q",
    "style_label": "Asks lots of follow-up questions",
    "lang": "en",
    "style_hedges": [
      "but ",
      "wait, ",
      "what about "
    ]
  },
  {
    "persona_id": "P090",
    "name": "Meera Joshi",
    "archetype": "code_switcher",
    "archetype_label": "Switches English ↔ Hinglish mid-flow",
    "primary_goal": "first_buy",
    "anchor_concerns": [
      "language_switch",
      "premium_band",
      "coverage_breadth"
    ],
    "age": 63,
    "dependents": "self+spouse",
    "income_band": "under_5L",
    "location_tier": "tier3",
    "marital_stage": "retired",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "under_15k",
    "style": "numbers_heavy",
    "style_label": "Quotes specific numbers and policies",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P091",
    "name": "Ishita Joshi",
    "archetype": "specific_condition",
    "archetype_label": "Has a specific condition driving the buy",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "ped_waiting",
      "specific_disease_waiting",
      "sub_limits"
    ],
    "age": 24,
    "dependents": "self",
    "income_band": "under_5L",
    "location_tier": "metro",
    "marital_stage": "single",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "asthma"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "under_15k",
    "style": "tester",
    "style_label": "Tries to trip up the bot",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P092",
    "name": "Aarav Banerjee",
    "archetype": "specific_condition",
    "archetype_label": "Has a specific condition driving the buy",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "ped_waiting",
      "specific_disease_waiting",
      "sub_limits"
    ],
    "age": 28,
    "dependents": "self",
    "income_band": "5L-10L",
    "location_tier": "metro",
    "marital_stage": "single",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "asthma"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "15k_30k",
    "style": "terse",
    "style_label": "Terse — 3-7 word answers",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P093",
    "name": "Diya Iyer",
    "archetype": "specific_condition",
    "archetype_label": "Has a specific condition driving the buy",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "ped_waiting",
      "specific_disease_waiting",
      "sub_limits"
    ],
    "age": 31,
    "dependents": "self+spouse",
    "income_band": "10L-25L",
    "location_tier": "metro",
    "marital_stage": "married",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "asthma"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "verbose",
    "style_label": "Verbose — paragraphs of context",
    "lang": "en",
    "style_hedges": [
      "um, ",
      "well, ",
      "you know, "
    ]
  },
  {
    "persona_id": "P094",
    "name": "Rohan Khan",
    "archetype": "specific_condition",
    "archetype_label": "Has a specific condition driving the buy",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "ped_waiting",
      "specific_disease_waiting",
      "sub_limits"
    ],
    "age": 34,
    "dependents": "self+spouse+kids",
    "income_band": "10L-25L",
    "location_tier": "tier1",
    "marital_stage": "married_kids",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "asthma"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "hinglish",
    "style_label": "English with Hindi words sprinkled",
    "lang": "hinglish",
    "style_hedges": []
  },
  {
    "persona_id": "P095",
    "name": "Ananya Kapoor",
    "archetype": "specific_condition",
    "archetype_label": "Has a specific condition driving the buy",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "ped_waiting",
      "specific_disease_waiting",
      "sub_limits"
    ],
    "age": 38,
    "dependents": "self+spouse+kids",
    "income_band": "25L+",
    "location_tier": "metro",
    "marital_stage": "married_kids",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "60k+",
    "style": "formal_en",
    "style_label": "Formal English, full sentences",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P096",
    "name": "Vikram Mehta",
    "archetype": "specific_condition",
    "archetype_label": "Has a specific condition driving the buy",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "ped_waiting",
      "specific_disease_waiting",
      "sub_limits"
    ],
    "age": 42,
    "dependents": "self+spouse+kids+parents",
    "income_band": "25L+",
    "location_tier": "metro",
    "marital_stage": "sandwich_gen",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "hypertension"
    ],
    "parents_to_insure": true,
    "parents_age_max": 75,
    "parents_has_ped": false,
    "budget_band": "60k+",
    "style": "casual_en",
    "style_label": "Casual English with typos and lowercase",
    "lang": "en",
    "style_hedges": [
      "btw ",
      "lol ",
      "tbh "
    ]
  },
  {
    "persona_id": "P097",
    "name": "Priya Pillai",
    "archetype": "specific_condition",
    "archetype_label": "Has a specific condition driving the buy",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "ped_waiting",
      "specific_disease_waiting",
      "sub_limits"
    ],
    "age": 47,
    "dependents": "self+spouse+parents",
    "income_band": "10L-25L",
    "location_tier": "tier1",
    "marital_stage": "married_no_kids",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "hypertension"
    ],
    "parents_to_insure": true,
    "parents_age_max": 75,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "hindi_primary",
    "style_label": "Mostly Hindi (Devanagari letters)",
    "lang": "hi",
    "style_hedges": []
  },
  {
    "persona_id": "P098",
    "name": "Karthik Nair",
    "archetype": "specific_condition",
    "archetype_label": "Has a specific condition driving the buy",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "ped_waiting",
      "specific_disease_waiting",
      "sub_limits"
    ],
    "age": 52,
    "dependents": "self+spouse",
    "income_band": "10L-25L",
    "location_tier": "tier2",
    "marital_stage": "empty_nester",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "diabetes",
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "30k_60k",
    "style": "anxious_q",
    "style_label": "Asks lots of follow-up questions",
    "lang": "en",
    "style_hedges": [
      "but ",
      "wait, ",
      "what about "
    ]
  },
  {
    "persona_id": "P099",
    "name": "Meera Reddy",
    "archetype": "specific_condition",
    "archetype_label": "Has a specific condition driving the buy",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "ped_waiting",
      "specific_disease_waiting",
      "sub_limits"
    ],
    "age": 58,
    "dependents": "self+spouse",
    "income_band": "5L-10L",
    "location_tier": "tier2",
    "marital_stage": "near_retire",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "diabetes",
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "15k_30k",
    "style": "numbers_heavy",
    "style_label": "Quotes specific numbers and policies",
    "lang": "en",
    "style_hedges": []
  },
  {
    "persona_id": "P100",
    "name": "Saif Sharma",
    "archetype": "specific_condition",
    "archetype_label": "Has a specific condition driving the buy",
    "primary_goal": "upgrade",
    "anchor_concerns": [
      "ped_waiting",
      "specific_disease_waiting",
      "sub_limits"
    ],
    "age": 63,
    "dependents": "self+spouse",
    "income_band": "under_5L",
    "location_tier": "tier3",
    "marital_stage": "retired",
    "existing_cover_inr": 500000,
    "health_conditions": [
      "diabetes",
      "hypertension"
    ],
    "parents_to_insure": false,
    "parents_age_max": null,
    "parents_has_ped": false,
    "budget_band": "under_15k",
    "style": "stream",
    "style_label": "Stream-of-consciousness, rambles",
    "lang": "en",
    "style_hedges": [
      "uh ",
      "hmm ",
      "and ",
      "also "
    ]
  }
]