{
  "template_name": "Vehicle Repair Estimate",
  "template_version": "1.0",
  "sample_only": true,
  "sections": [
    {"name": "Estimate", "fields": ["estimate_number", "revision", "prepared_at", "expires_at", "currency", "status"]},
    {"name": "Customer and vehicle", "fields": ["customer_name", "customer_contact", "vehicle_year_make_model", "vin_or_internal_vehicle_id", "odometer"]},
    {"name": "Work scope", "fields": ["reported_concern", "inspection_findings", "included_work", "exclusions", "assumptions"]},
    {"name": "Line items", "repeatable_fields": ["category", "description", "quantity_or_hours", "unit_rate", "line_total"]},
    {"name": "Totals", "fields": ["subtotal", "tax_basis", "estimated_tax", "total"]},
    {"name": "Customer decision", "fields": ["decision", "approved_revision", "customer_name_or_signature", "decision_timestamp"]}
  ],
  "calculation_rule": "line_total = quantity_or_hours × unit_rate; sum line totals for subtotal; calculate tax using the stated local tax basis.",
  "workflow_rule": "If scope or amount changes after sending, create a new revision and obtain a new decision. Approval is not an invoice or payment receipt.",
  "privacy_rule": "Share only fields needed for the estimate; keep contact details and VIN out of public listings."
}