Compare technology and communications spending efficiency for JPMorgan Chase and Bank of America for FY-2024

{
  "analysisId": "demo-tech-comms-efficiency-jpm-bac-2024",
  "ok": false,
  "finalHandoff": {
    "fromAgent": "baseline.source-extraction",
    "fromAgentVersion": "1.0.0",
    "toAgent": "baseline.normalization",
    "payload": {
      "values": [
        {
          "entity": "JPMorgan Chase & Co.",
          "metricKey": "technology_communications_equipment_expense",
          "period": "FY-2024",
          "rawLabel": "CommunicationsAndInformationTechnology",
          "value": 9831000000,
          "rawUnit": "USD",
          "snippet": "fy=2024 fp=FY end=2024-12-31 val=9831000000 form=10-K filed=2025-02-14 accn=0000019617-25-000270",
          "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/CommunicationsAndInformationTechnology.json",
          "sourceConnector": "sec-edgar",
          "contentType": "application/json",
          "capturedAt": "2026-05-25T03:20:55.071Z",
          "confidence": 0.95,
          "origin": "llm",
          "flags": []
        },
        {
          "entity": "JPMorgan Chase & Co.",
          "metricKey": "total_noninterest_expense",
          "period": "FY-2024",
          "rawLabel": "NoninterestExpense",
          "value": 91797000000,
          "rawUnit": "USD",
          "snippet": "fy=2024 fp=FY end=2024-12-31 val=91797000000 form=10-K filed=2025-02-14 accn=0000019617-25-000270",
          "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/NoninterestExpense.json",
          "sourceConnector": "sec-edgar",
          "contentType": "application/json",
          "capturedAt": "2026-05-25T03:20:55.071Z",
          "confidence": 0.95,
          "origin": "llm",
          "flags": []
        },
        {
          "entity": "Bank of America Corporation",
          "metricKey": "technology_communications_equipment_expense",
          "period": "FY-2024",
          "rawLabel": "CommunicationsAndInformationTechnology",
          "value": 7231000000,
          "rawUnit": "USD",
          "snippet": "fy=2024 fp=FY end=2024-12-31 val=7231000000 form=10-K filed=2025-02-25 accn=0000070858-25-000139",
          "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/CommunicationsAndInformationTechnology.json",
          "sourceConnector": "sec-edgar",
          "contentType": "application/json",
          "capturedAt": "2026-05-25T03:20:55.071Z",
          "confidence": 0.95,
          "origin": "llm",
          "flags": []
        },
        {
          "entity": "Bank of America Corporation",
          "metricKey": "total_noninterest_expense",
          "period": "FY-2024",
          "rawLabel": "NoninterestExpense",
          "value": 66812000000,
          "rawUnit": "USD",
          "snippet": "fy=2024 fp=FY end=2024-12-31 val=66812000000 form=10-K filed=2025-02-25 accn=0000070858-25-000139",
          "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/NoninterestExpense.json",
          "sourceConnector": "sec-edgar",
          "contentType": "application/json",
          "capturedAt": "2026-05-25T03:20:55.071Z",
          "confidence": 0.95,
          "origin": "llm",
          "flags": []
        }
      ],
      "comparabilityNotes": [
        {
          "entities": [
            "JPMorgan Chase & Co.",
            "Bank of America Corporation"
          ],
          "detail": "Both entities report under US-GAAP using standardized XBRL taxonomies. FY-2024 data sourced from annual 10-K filings (JPM filed 2025-02-14, BAC filed 2025-02-25). Both use calendar year fiscal periods ending 2024-12-31. CommunicationsAndInformationTechnology metric defined identically across both entities as 'The amount of expense in the period for communications and data processing expense.' Noninterest Expense defined identically as 'Total aggregate amount of all noninterest expense.' Data are directly comparable for efficiency ratio analysis."
        }
      ]
    },
    "metadata": {
      "analysisId": "demo-tech-comms-efficiency-jpm-bac-2024",
      "capabilities": [
        "retrieval",
        "api",
        "web",
        "parser",
        "ocr",
        "repository"
      ],
      "requestedMetrics": [
        "technology_communications_equipment_expense",
        "total_noninterest_expense"
      ],
      "toolCallCount": 7,
      "toolCalls": [
        {
          "toolName": "sec_edgar_companies",
          "ok": true,
          "input": {
            "searchTerms": "JPM, JPMorgan Chase, BAC, Bank of America"
          },
          "resultSummary": "2 match(es): JPM, BAC",
          "at": "2026-05-25T03:20:36.269Z"
        },
        {
          "toolName": "sec_financials",
          "ok": true,
          "input": {
            "cik": "0000019617"
          },
          "resultSummary": "JPMORGAN CHASE & CO — 0 concept(s) across []",
          "at": "2026-05-25T03:20:39.063Z"
        },
        {
          "toolName": "sec_financials",
          "ok": true,
          "input": {
            "cik": "0000070858"
          },
          "resultSummary": "BANK OF AMERICA CORP /DE/ — 0 concept(s) across []",
          "at": "2026-05-25T03:20:39.460Z"
        },
        {
          "toolName": "sec_company_concept",
          "ok": true,
          "input": {
            "cik": "0000019617",
            "taxonomy": "us-gaap",
            "tag": "CommunicationsAndInformationTechnology",
            "unit": "USD"
          },
          "resultSummary": "CommunicationsAndInformationTechnology (Communications and Information Technology) — 178 row(s) across units [USD]",
          "at": "2026-05-25T03:20:44.933Z"
        },
        {
          "toolName": "sec_company_concept",
          "ok": true,
          "input": {
            "cik": "0000019617",
            "taxonomy": "us-gaap",
            "tag": "NoninterestExpense",
            "unit": "USD"
          },
          "resultSummary": "NoninterestExpense (Noninterest Expense) — 232 row(s) across units [USD]",
          "at": "2026-05-25T03:20:45.067Z"
        },
        {
          "toolName": "sec_company_concept",
          "ok": true,
          "input": {
            "cik": "0000070858",
            "taxonomy": "us-gaap",
            "tag": "CommunicationsAndInformationTechnology",
            "unit": "USD"
          },
          "resultSummary": "CommunicationsAndInformationTechnology (Communications and Information Technology) — 93 row(s) across units [USD]",
          "at": "2026-05-25T03:20:45.165Z"
        },
        {
          "toolName": "sec_company_concept",
          "ok": true,
          "input": {
            "cik": "0000070858",
            "taxonomy": "us-gaap",
            "tag": "NoninterestExpense",
            "unit": "USD"
          },
          "resultSummary": "NoninterestExpense (Noninterest Expense) — 233 row(s) across units [USD]",
          "at": "2026-05-25T03:20:45.257Z"
        }
      ]
    },
    "confidence": {
      "value": 1,
      "tier": "high",
      "rationale": "coverage 100% (4/4) with 0 blocking issue(s)"
    },
    "validation": {
      "status": "passed",
      "checks": [
        {
          "name": "coverage",
          "passed": true,
          "detail": "4/4"
        },
        {
          "name": "no-blocking-issues",
          "passed": true,
          "detail": "0 blocking"
        },
        {
          "name": "provenance-stamped",
          "passed": true
        }
      ]
    },
    "unresolvedIssues": [],
    "lineage": {
      "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/CommunicationsAndInformationTechnology.json",
      "capturedAt": "2026-05-25T03:20:55.071Z",
      "effectiveAs": null,
      "agentVersion": "1.0.0",
      "upstream": [
        "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/CommunicationsAndInformationTechnology.json",
        "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/NoninterestExpense.json",
        "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/CommunicationsAndInformationTechnology.json",
        "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/NoninterestExpense.json"
      ]
    },
    "timestamp": "2026-05-25T03:20:55.071Z"
  },
  "failure": {
    "agent": "baseline.normalization",
    "agentVersion": "1.0.0",
    "category": "unresolved-normalization",
    "reason": "No values could be normalized.",
    "context": {
      "input": {
        "values": [
          {
            "entity": "JPMorgan Chase & Co.",
            "metricKey": "technology_communications_equipment_expense",
            "period": "FY-2024",
            "rawLabel": "CommunicationsAndInformationTechnology",
            "value": 9831000000,
            "rawUnit": "USD",
            "snippet": "fy=2024 fp=FY end=2024-12-31 val=9831000000 form=10-K filed=2025-02-14 accn=0000019617-25-000270",
            "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/CommunicationsAndInformationTechnology.json",
            "sourceConnector": "sec-edgar",
            "contentType": "application/json",
            "capturedAt": "2026-05-25T03:20:55.071Z",
            "confidence": 0.95,
            "origin": "llm",
            "flags": []
          },
          {
            "entity": "JPMorgan Chase & Co.",
            "metricKey": "total_noninterest_expense",
            "period": "FY-2024",
            "rawLabel": "NoninterestExpense",
            "value": 91797000000,
            "rawUnit": "USD",
            "snippet": "fy=2024 fp=FY end=2024-12-31 val=91797000000 form=10-K filed=2025-02-14 accn=0000019617-25-000270",
            "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/NoninterestExpense.json",
            "sourceConnector": "sec-edgar",
            "contentType": "application/json",
            "capturedAt": "2026-05-25T03:20:55.071Z",
            "confidence": 0.95,
            "origin": "llm",
            "flags": []
          },
          {
            "entity": "Bank of America Corporation",
            "metricKey": "technology_communications_equipment_expense",
            "period": "FY-2024",
            "rawLabel": "CommunicationsAndInformationTechnology",
            "value": 7231000000,
            "rawUnit": "USD",
            "snippet": "fy=2024 fp=FY end=2024-12-31 val=7231000000 form=10-K filed=2025-02-25 accn=0000070858-25-000139",
            "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/CommunicationsAndInformationTechnology.json",
            "sourceConnector": "sec-edgar",
            "contentType": "application/json",
            "capturedAt": "2026-05-25T03:20:55.071Z",
            "confidence": 0.95,
            "origin": "llm",
            "flags": []
          },
          {
            "entity": "Bank of America Corporation",
            "metricKey": "total_noninterest_expense",
            "period": "FY-2024",
            "rawLabel": "NoninterestExpense",
            "value": 66812000000,
            "rawUnit": "USD",
            "snippet": "fy=2024 fp=FY end=2024-12-31 val=66812000000 form=10-K filed=2025-02-25 accn=0000070858-25-000139",
            "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/NoninterestExpense.json",
            "sourceConnector": "sec-edgar",
            "contentType": "application/json",
            "capturedAt": "2026-05-25T03:20:55.071Z",
            "confidence": 0.95,
            "origin": "llm",
            "flags": []
          }
        ],
        "comparabilityNotes": [
          {
            "entities": [
              "JPMorgan Chase & Co.",
              "Bank of America Corporation"
            ],
            "detail": "Both entities report under US-GAAP using standardized XBRL taxonomies. FY-2024 data sourced from annual 10-K filings (JPM filed 2025-02-14, BAC filed 2025-02-25). Both use calendar year fiscal periods ending 2024-12-31. CommunicationsAndInformationTechnology metric defined identically across both entities as 'The amount of expense in the period for communications and data processing expense.' Noninterest Expense defined identically as 'Total aggregate amount of all noninterest expense.' Data are directly comparable for efficiency ratio analysis."
          }
        ]
      },
      "unresolved": [
        {
          "category": "unmapped-term",
          "detail": "could not map \"CommunicationsAndInformationTechnology\" for JPMorgan Chase & Co.: 429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZrmJg8LDFd5J45KoML\"}",
          "blocking": false,
          "context": {
            "failure": {
              "category": "sdk-error",
              "reason": "429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZrmJg8LDFd5J45KoML\"}"
            }
          }
        },
        {
          "category": "unmapped-term",
          "detail": "could not map \"NoninterestExpense\" for JPMorgan Chase & Co.: 429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZrtJrfdzJo2PjJHXzp\"}",
          "blocking": false,
          "context": {
            "failure": {
              "category": "sdk-error",
              "reason": "429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZrtJrfdzJo2PjJHXzp\"}"
            }
          }
        },
        {
          "category": "unmapped-term",
          "detail": "could not map \"CommunicationsAndInformationTechnology\" for Bank of America Corporation: 429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZs4GtNh6aCqHngesCa\"}",
          "blocking": false,
          "context": {
            "failure": {
              "category": "sdk-error",
              "reason": "429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZs4GtNh6aCqHngesCa\"}"
            }
          }
        },
        {
          "category": "unmapped-term",
          "detail": "could not map \"NoninterestExpense\" for Bank of America Corporation: 429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZsBUjBAKoiQDSqEm4P\"}",
          "blocking": false,
          "context": {
            "failure": {
              "category": "sdk-error",
              "reason": "429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZsBUjBAKoiQDSqEm4P\"}"
            }
          }
        }
      ]
    },
    "lineage": {
      "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/CommunicationsAndInformationTechnology.json",
      "capturedAt": "2026-05-25T03:20:55.071Z",
      "effectiveAs": null,
      "agentVersion": "1.0.0",
      "upstream": [
        "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/CommunicationsAndInformationTechnology.json",
        "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/NoninterestExpense.json",
        "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/CommunicationsAndInformationTechnology.json",
        "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/NoninterestExpense.json"
      ]
    },
    "attempts": 0,
    "recursionDepth": 0,
    "occurredAt": "2026-05-25T03:21:02.595Z"
  },
  "escalations": [],
  "repositorySnapshot": {
    "records": [
      {
        "id": "baseline.source-extraction#1",
        "agent": "baseline.source-extraction",
        "agentVersion": "1.0.0",
        "payload": {
          "values": [
            {
              "entity": "JPMorgan Chase & Co.",
              "metricKey": "technology_communications_equipment_expense",
              "period": "FY-2024",
              "rawLabel": "CommunicationsAndInformationTechnology",
              "value": 9831000000,
              "rawUnit": "USD",
              "snippet": "fy=2024 fp=FY end=2024-12-31 val=9831000000 form=10-K filed=2025-02-14 accn=0000019617-25-000270",
              "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/CommunicationsAndInformationTechnology.json",
              "sourceConnector": "sec-edgar",
              "contentType": "application/json",
              "capturedAt": "2026-05-25T03:20:55.071Z",
              "confidence": 0.95,
              "origin": "llm",
              "flags": []
            },
            {
              "entity": "JPMorgan Chase & Co.",
              "metricKey": "total_noninterest_expense",
              "period": "FY-2024",
              "rawLabel": "NoninterestExpense",
              "value": 91797000000,
              "rawUnit": "USD",
              "snippet": "fy=2024 fp=FY end=2024-12-31 val=91797000000 form=10-K filed=2025-02-14 accn=0000019617-25-000270",
              "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/NoninterestExpense.json",
              "sourceConnector": "sec-edgar",
              "contentType": "application/json",
              "capturedAt": "2026-05-25T03:20:55.071Z",
              "confidence": 0.95,
              "origin": "llm",
              "flags": []
            },
            {
              "entity": "Bank of America Corporation",
              "metricKey": "technology_communications_equipment_expense",
              "period": "FY-2024",
              "rawLabel": "CommunicationsAndInformationTechnology",
              "value": 7231000000,
              "rawUnit": "USD",
              "snippet": "fy=2024 fp=FY end=2024-12-31 val=7231000000 form=10-K filed=2025-02-25 accn=0000070858-25-000139",
              "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/CommunicationsAndInformationTechnology.json",
              "sourceConnector": "sec-edgar",
              "contentType": "application/json",
              "capturedAt": "2026-05-25T03:20:55.071Z",
              "confidence": 0.95,
              "origin": "llm",
              "flags": []
            },
            {
              "entity": "Bank of America Corporation",
              "metricKey": "total_noninterest_expense",
              "period": "FY-2024",
              "rawLabel": "NoninterestExpense",
              "value": 66812000000,
              "rawUnit": "USD",
              "snippet": "fy=2024 fp=FY end=2024-12-31 val=66812000000 form=10-K filed=2025-02-25 accn=0000070858-25-000139",
              "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/NoninterestExpense.json",
              "sourceConnector": "sec-edgar",
              "contentType": "application/json",
              "capturedAt": "2026-05-25T03:20:55.071Z",
              "confidence": 0.95,
              "origin": "llm",
              "flags": []
            }
          ],
          "comparabilityNotes": [
            {
              "entities": [
                "JPMorgan Chase & Co.",
                "Bank of America Corporation"
              ],
              "detail": "Both entities report under US-GAAP using standardized XBRL taxonomies. FY-2024 data sourced from annual 10-K filings (JPM filed 2025-02-14, BAC filed 2025-02-25). Both use calendar year fiscal periods ending 2024-12-31. CommunicationsAndInformationTechnology metric defined identically across both entities as 'The amount of expense in the period for communications and data processing expense.' Noninterest Expense defined identically as 'Total aggregate amount of all noninterest expense.' Data are directly comparable for efficiency ratio analysis."
            }
          ]
        },
        "metadata": {
          "analysisId": "demo-tech-comms-efficiency-jpm-bac-2024",
          "capabilities": [
            "retrieval",
            "api",
            "web",
            "parser",
            "ocr",
            "repository"
          ],
          "requestedMetrics": [
            "technology_communications_equipment_expense",
            "total_noninterest_expense"
          ],
          "toolCallCount": 7,
          "toolCalls": [
            {
              "toolName": "sec_edgar_companies",
              "ok": true,
              "input": {
                "searchTerms": "JPM, JPMorgan Chase, BAC, Bank of America"
              },
              "resultSummary": "2 match(es): JPM, BAC",
              "at": "2026-05-25T03:20:36.269Z"
            },
            {
              "toolName": "sec_financials",
              "ok": true,
              "input": {
                "cik": "0000019617"
              },
              "resultSummary": "JPMORGAN CHASE & CO — 0 concept(s) across []",
              "at": "2026-05-25T03:20:39.063Z"
            },
            {
              "toolName": "sec_financials",
              "ok": true,
              "input": {
                "cik": "0000070858"
              },
              "resultSummary": "BANK OF AMERICA CORP /DE/ — 0 concept(s) across []",
              "at": "2026-05-25T03:20:39.460Z"
            },
            {
              "toolName": "sec_company_concept",
              "ok": true,
              "input": {
                "cik": "0000019617",
                "taxonomy": "us-gaap",
                "tag": "CommunicationsAndInformationTechnology",
                "unit": "USD"
              },
              "resultSummary": "CommunicationsAndInformationTechnology (Communications and Information Technology) — 178 row(s) across units [USD]",
              "at": "2026-05-25T03:20:44.933Z"
            },
            {
              "toolName": "sec_company_concept",
              "ok": true,
              "input": {
                "cik": "0000019617",
                "taxonomy": "us-gaap",
                "tag": "NoninterestExpense",
                "unit": "USD"
              },
              "resultSummary": "NoninterestExpense (Noninterest Expense) — 232 row(s) across units [USD]",
              "at": "2026-05-25T03:20:45.067Z"
            },
            {
              "toolName": "sec_company_concept",
              "ok": true,
              "input": {
                "cik": "0000070858",
                "taxonomy": "us-gaap",
                "tag": "CommunicationsAndInformationTechnology",
                "unit": "USD"
              },
              "resultSummary": "CommunicationsAndInformationTechnology (Communications and Information Technology) — 93 row(s) across units [USD]",
              "at": "2026-05-25T03:20:45.165Z"
            },
            {
              "toolName": "sec_company_concept",
              "ok": true,
              "input": {
                "cik": "0000070858",
                "taxonomy": "us-gaap",
                "tag": "NoninterestExpense",
                "unit": "USD"
              },
              "resultSummary": "NoninterestExpense (Noninterest Expense) — 233 row(s) across units [USD]",
              "at": "2026-05-25T03:20:45.257Z"
            }
          ]
        },
        "lineage": {
          "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/CommunicationsAndInformationTechnology.json",
          "capturedAt": "2026-05-25T03:20:55.071Z",
          "effectiveAs": null,
          "agentVersion": "1.0.0",
          "upstream": [
            "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/CommunicationsAndInformationTechnology.json",
            "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/NoninterestExpense.json",
            "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/CommunicationsAndInformationTechnology.json",
            "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/NoninterestExpense.json"
          ]
        },
        "confidence": {
          "value": 1,
          "tier": "high",
          "rationale": "coverage 100% (4/4) with 0 blocking issue(s)"
        },
        "validationStatus": "passed",
        "writtenAt": "2026-05-25T03:20:55.071Z"
      }
    ],
    "exceptions": [],
    "learnedRules": [],
    "overrides": [],
    "escalations": [],
    "failures": [
      {
        "at": "2026-05-25T03:21:02.595Z",
        "failure": {
          "agent": "baseline.normalization",
          "agentVersion": "1.0.0",
          "category": "unresolved-normalization",
          "reason": "No values could be normalized.",
          "context": {
            "input": {
              "values": [
                {
                  "entity": "JPMorgan Chase & Co.",
                  "metricKey": "technology_communications_equipment_expense",
                  "period": "FY-2024",
                  "rawLabel": "CommunicationsAndInformationTechnology",
                  "value": 9831000000,
                  "rawUnit": "USD",
                  "snippet": "fy=2024 fp=FY end=2024-12-31 val=9831000000 form=10-K filed=2025-02-14 accn=0000019617-25-000270",
                  "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/CommunicationsAndInformationTechnology.json",
                  "sourceConnector": "sec-edgar",
                  "contentType": "application/json",
                  "capturedAt": "2026-05-25T03:20:55.071Z",
                  "confidence": 0.95,
                  "origin": "llm",
                  "flags": []
                },
                {
                  "entity": "JPMorgan Chase & Co.",
                  "metricKey": "total_noninterest_expense",
                  "period": "FY-2024",
                  "rawLabel": "NoninterestExpense",
                  "value": 91797000000,
                  "rawUnit": "USD",
                  "snippet": "fy=2024 fp=FY end=2024-12-31 val=91797000000 form=10-K filed=2025-02-14 accn=0000019617-25-000270",
                  "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/NoninterestExpense.json",
                  "sourceConnector": "sec-edgar",
                  "contentType": "application/json",
                  "capturedAt": "2026-05-25T03:20:55.071Z",
                  "confidence": 0.95,
                  "origin": "llm",
                  "flags": []
                },
                {
                  "entity": "Bank of America Corporation",
                  "metricKey": "technology_communications_equipment_expense",
                  "period": "FY-2024",
                  "rawLabel": "CommunicationsAndInformationTechnology",
                  "value": 7231000000,
                  "rawUnit": "USD",
                  "snippet": "fy=2024 fp=FY end=2024-12-31 val=7231000000 form=10-K filed=2025-02-25 accn=0000070858-25-000139",
                  "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/CommunicationsAndInformationTechnology.json",
                  "sourceConnector": "sec-edgar",
                  "contentType": "application/json",
                  "capturedAt": "2026-05-25T03:20:55.071Z",
                  "confidence": 0.95,
                  "origin": "llm",
                  "flags": []
                },
                {
                  "entity": "Bank of America Corporation",
                  "metricKey": "total_noninterest_expense",
                  "period": "FY-2024",
                  "rawLabel": "NoninterestExpense",
                  "value": 66812000000,
                  "rawUnit": "USD",
                  "snippet": "fy=2024 fp=FY end=2024-12-31 val=66812000000 form=10-K filed=2025-02-25 accn=0000070858-25-000139",
                  "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/NoninterestExpense.json",
                  "sourceConnector": "sec-edgar",
                  "contentType": "application/json",
                  "capturedAt": "2026-05-25T03:20:55.071Z",
                  "confidence": 0.95,
                  "origin": "llm",
                  "flags": []
                }
              ],
              "comparabilityNotes": [
                {
                  "entities": [
                    "JPMorgan Chase & Co.",
                    "Bank of America Corporation"
                  ],
                  "detail": "Both entities report under US-GAAP using standardized XBRL taxonomies. FY-2024 data sourced from annual 10-K filings (JPM filed 2025-02-14, BAC filed 2025-02-25). Both use calendar year fiscal periods ending 2024-12-31. CommunicationsAndInformationTechnology metric defined identically across both entities as 'The amount of expense in the period for communications and data processing expense.' Noninterest Expense defined identically as 'Total aggregate amount of all noninterest expense.' Data are directly comparable for efficiency ratio analysis."
                }
              ]
            },
            "unresolved": [
              {
                "category": "unmapped-term",
                "detail": "could not map \"CommunicationsAndInformationTechnology\" for JPMorgan Chase & Co.: 429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZrmJg8LDFd5J45KoML\"}",
                "blocking": false,
                "context": {
                  "failure": {
                    "category": "sdk-error",
                    "reason": "429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZrmJg8LDFd5J45KoML\"}"
                  }
                }
              },
              {
                "category": "unmapped-term",
                "detail": "could not map \"NoninterestExpense\" for JPMorgan Chase & Co.: 429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZrtJrfdzJo2PjJHXzp\"}",
                "blocking": false,
                "context": {
                  "failure": {
                    "category": "sdk-error",
                    "reason": "429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZrtJrfdzJo2PjJHXzp\"}"
                  }
                }
              },
              {
                "category": "unmapped-term",
                "detail": "could not map \"CommunicationsAndInformationTechnology\" for Bank of America Corporation: 429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZs4GtNh6aCqHngesCa\"}",
                "blocking": false,
                "context": {
                  "failure": {
                    "category": "sdk-error",
                    "reason": "429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZs4GtNh6aCqHngesCa\"}"
                  }
                }
              },
              {
                "category": "unmapped-term",
                "detail": "could not map \"NoninterestExpense\" for Bank of America Corporation: 429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZsBUjBAKoiQDSqEm4P\"}",
                "blocking": false,
                "context": {
                  "failure": {
                    "category": "sdk-error",
                    "reason": "429 {\"type\":\"error\",\"error\":{\"type\":\"rate_limit_error\",\"message\":\"This request would exceed your organization's rate limit of 50,000 input tokens per minute (org: 38002006-24f1-4b7e-b005-6c6d6f91d10c, model: claude-haiku-4-5-20251001). For details, refer to: https://docs.claude.com/en/api/rate-limits. You can see the response headers for current usage. Reduce the prompt length or the maximum tokens requested, or try again later. View your current limits at https://console.anthropic.com/settings/limits. To raise this limit, purchase credits to advance to the next usage tier at https://console.anthropic.com/settings/billing.\"},\"request_id\":\"req_011CbNZsBUjBAKoiQDSqEm4P\"}"
                  }
                }
              }
            ]
          },
          "lineage": {
            "sourceUrl": "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/CommunicationsAndInformationTechnology.json",
            "capturedAt": "2026-05-25T03:20:55.071Z",
            "effectiveAs": null,
            "agentVersion": "1.0.0",
            "upstream": [
              "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/CommunicationsAndInformationTechnology.json",
              "https://data.sec.gov/api/xbrl/companyconcept/CIK0000019617/us-gaap/NoninterestExpense.json",
              "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/CommunicationsAndInformationTechnology.json",
              "https://data.sec.gov/api/xbrl/companyconcept/CIK0000070858/us-gaap/NoninterestExpense.json"
            ]
          },
          "attempts": 0,
          "recursionDepth": 0,
          "occurredAt": "2026-05-25T03:21:02.595Z"
        }
      }
    ]
  },
  "trace": [
    {
      "agent": "baseline.source-extraction",
      "standard": 2,
      "step": "validate-input",
      "detail": "validated request: 2 entity(ies), 2 metric(s), period=FY-2024, sources=[sec-edgar]",
      "at": "2026-05-25T03:20:34.378Z"
    },
    {
      "agent": "baseline.source-extraction",
      "standard": 5,
      "step": "retrieve",
      "detail": "delegating retrieval to LLM (claude-haiku-4-5) with 10 SEC tool(s) available: [sec_edgar_companies, sec_financials, sec_submissions, sec_filing_document, sec_filing_index, sec_filing_sections, sec_full_text_search, sec_company_concept, sec_xbrl_frames, sec_insider_form4]",
      "at": "2026-05-25T03:20:34.378Z"
    },
    {
      "agent": "baseline.source-extraction",
      "standard": 3,
      "step": "parse-and-extract",
      "detail": "starting tool-use extraction over 2 entity(ies) × 2 metric(s)",
      "at": "2026-05-25T03:20:34.378Z"
    },
    {
      "agent": "baseline.source-extraction",
      "standard": 5,
      "step": "tool-call",
      "detail": "sec_edgar_companies(searchTerms=\"JPM, JPMorgan Chase, BAC, Bank of America\") → 2 match(es): JPM, BAC",
      "at": "2026-05-25T03:20:36.269Z"
    },
    {
      "agent": "baseline.source-extraction",
      "standard": 5,
      "step": "tool-call",
      "detail": "sec_financials(cik=\"0000019617\") → JPMORGAN CHASE & CO — 0 concept(s) across []",
      "at": "2026-05-25T03:20:39.063Z"
    },
    {
      "agent": "baseline.source-extraction",
      "standard": 5,
      "step": "tool-call",
      "detail": "sec_financials(cik=\"0000070858\") → BANK OF AMERICA CORP /DE/ — 0 concept(s) across []",
      "at": "2026-05-25T03:20:39.460Z"
    },
    {
      "agent": "baseline.source-extraction",
      "standard": 5,
      "step": "tool-call",
      "detail": "sec_company_concept(cik=\"0000019617\", taxonomy=\"us-gaap\", tag=\"CommunicationsAndInformationTechnology\", unit=\"USD\") → CommunicationsAndInformationTechnology (Communications and Information Technology) — 178 row(s) across units [USD]",
      "at": "2026-05-25T03:20:44.933Z"
    },
    {
      "agent": "baseline.source-extraction",
      "standard": 5,
      "step": "tool-call",
      "detail": "sec_company_concept(cik=\"0000019617\", taxonomy=\"us-gaap\", tag=\"NoninterestExpense\", unit=\"USD\") → NoninterestExpense (Noninterest Expense) — 232 row(s) across units [USD]",
      "at": "2026-05-25T03:20:45.067Z"
    },
    {
      "agent": "baseline.source-extraction",
      "standard": 5,
      "step": "tool-call",
      "detail": "sec_company_concept(cik=\"0000070858\", taxonomy=\"us-gaap\", tag=\"CommunicationsAndInformationTechnology\", unit=\"USD\") → CommunicationsAndInformationTechnology (Communications and Information Technology) — 93 row(s) across units [USD]",
      "at": "2026-05-25T03:20:45.165Z"
    },
    {
      "agent": "baseline.source-extraction",
      "standard": 5,
      "step": "tool-call",
      "detail": "sec_company_concept(cik=\"0000070858\", taxonomy=\"us-gaap\", tag=\"NoninterestExpense\", unit=\"USD\") → NoninterestExpense (Noninterest Expense) — 233 row(s) across units [USD]",
      "at": "2026-05-25T03:20:45.257Z"
    },
    {
      "agent": "baseline.source-extraction",
      "standard": 4,
      "step": "structure",
      "detail": "structured 4 value(s) with provenance from 7 tool call(s)",
      "at": "2026-05-25T03:20:55.071Z"
    },
    {
      "agent": "baseline.source-extraction",
      "standard": 7,
      "step": "validate-output",
      "detail": "validation: coverage=100% blocking=0 confidence=high",
      "at": "2026-05-25T03:20:55.071Z"
    },
    {
      "agent": "baseline.source-extraction",
      "standard": 11,
      "step": "handoff",
      "detail": "handoff → baseline.normalization (validation=passed confidence=high)",
      "at": "2026-05-25T03:20:55.071Z"
    },
    {
      "agent": "baseline.normalization",
      "standard": 2,
      "step": "validate-input",
      "detail": "received 4 value(s); 1 comparability note(s)",
      "at": "2026-05-25T03:20:55.072Z"
    },
    {
      "agent": "baseline.normalization",
      "standard": 8,
      "step": "resolve-duplicates",
      "detail": "dedup complete; 0 contradiction(s)",
      "at": "2026-05-25T03:21:02.593Z"
    },
    {
      "agent": "baseline.normalization",
      "standard": 10,
      "step": "validate-output",
      "detail": "0 new rule(s) drained for write-back",
      "at": "2026-05-25T03:21:02.595Z"
    }
  ],
  "standards": [
    {
      "n": 1,
      "name": "Objective",
      "gist": "Single clear responsibility with explicit boundaries."
    },
    {
      "n": 2,
      "name": "Inputs",
      "gist": "Structured, machine-readable; lineage + confidence persist."
    },
    {
      "n": 3,
      "name": "Decision logic",
      "gist": "Explicit, deterministic where possible, every decision recorded."
    },
    {
      "n": 4,
      "name": "Rules & constraints",
      "gist": "Preserve raw, lineage, audit; no fabrication; approved tools only."
    },
    {
      "n": 5,
      "name": "Methods & tools",
      "gist": "Capability-based; approved + connected; lineage-preserving."
    },
    {
      "n": 6,
      "name": "Processing",
      "gist": "Modular, repeatable, replayable; numbered runbook."
    },
    {
      "n": 7,
      "name": "Validation & confidence",
      "gist": "Every output carries validation status + confidence tier."
    },
    {
      "n": 8,
      "name": "Conditional triggers",
      "gist": "Explicit exception categories; traceable, context-preserving."
    },
    {
      "n": 9,
      "name": "HITL escalation",
      "gist": "Defined thresholds; escalations carry full context."
    },
    {
      "n": 10,
      "name": "Repository write-back",
      "gist": "Agents declare; orchestrator persists."
    },
    {
      "n": 11,
      "name": "Handoff",
      "gist": "Standardized envelope; downstream never reconstructs context."
    },
    {
      "n": 12,
      "name": "Failure handling",
      "gist": "Fail safely; bounded retries + recursion; structured FailureObject."
    }
  ],
  "pipeline": [
    {
      "kind": "agent",
      "pillar": "baseline",
      "agent": "source-extraction"
    },
    {
      "kind": "agent",
      "pillar": "baseline",
      "agent": "normalization"
    },
    {
      "kind": "agent",
      "pillar": "baseline",
      "agent": "resolution"
    },
    {
      "kind": "agent",
      "pillar": "intelligence",
      "agent": "analytical-table"
    },
    {
      "kind": "agent",
      "pillar": "intelligence",
      "agent": "performance-metrics"
    },
    {
      "kind": "agent",
      "pillar": "intelligence",
      "agent": "comparisons-synthesis"
    },
    {
      "kind": "agent",
      "pillar": "intelligence",
      "agent": "insight-synthesis"
    }
  ],
  "jobRequest": {
    "analysisId": "demo-tech-comms-efficiency-jpm-bac-2024",
    "question": "Compare technology and communications spending efficiency for JPMorgan Chase and Bank of America for FY-2024",
    "entities": [
      {
        "id": "JPMorgan Chase & Co.",
        "aliases": [
          "JPM",
          "JPMorgan Chase"
        ]
      },
      {
        "id": "Bank of America Corporation",
        "aliases": [
          "BAC",
          "Bank of America"
        ]
      }
    ],
    "targetMetrics": [
      {
        "key": "technology_communications_equipment_expense",
        "definition": "Total technology, communications, and equipment expense reported in the noninterest expense section of the income statement.",
        "unit": "USD"
      },
      {
        "key": "total_noninterest_expense",
        "definition": "Total noninterest expense (operating expense) reported in the income statement.",
        "unit": "USD"
      }
    ],
    "derivedMetrics": [
      {
        "key": "tech_comms_efficiency_ratio",
        "definition": "The ratio of technology, communications, and equipment expense to total noninterest expense, measuring the proportion of operating costs allocated to technology spending.",
        "unit": "ratio",
        "methodology": "tech_opex_efficiency_banking"
      }
    ],
    "sources": [
      "sec-edgar"
    ],
    "period": "FY-2024"
  },
  "elapsedMs": 28218
}