{
  "question_text": "You are cashing a check and the transaction seems unusual. What should you do?",
  "options": [
    "Stop and tell your supervisor or the BSA/AML Compliance Officer before finishing the transaction",
    "Finish the transaction and write down what seemed unusual afterward",
    "Look up the rules and proceed if the transaction appears to be within normal limits",
    "Decline the transaction and explain to the customer why you cannot help them"
  ],
  "correct_answer": "Stop and tell your supervisor or the BSA/AML Compliance Officer before finishing the transaction",
  "correct_response": "Correct. When a transaction seems unusual or you are not sure what to do, you must stop and escalate before finishing it. The BSA/AML Compliance Officer decides what to do — not you.",
  "incorrect_response": "An unusual transaction must be escalated before it is completed — not after. You must stop and tell your supervisor or the BSA/AML Compliance Officer. Proceeding on your own judgment is not acceptable.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "You must follow both federal rules and Florida state rules on every transaction. What do you do when they say different things?",
      "options": [
        "Follow the stricter rule — you must follow both, not just one",
        "Follow the federal rules — they always take priority over state rules",
        "Follow the Florida rules — they apply to all transactions in the state",
        "Apply whichever rule the customer is most familiar with"
      ],
      "correct_answer": "Follow the stricter rule — you must follow both, not just one",
      "correct_response": "Correct. Both sets of rules apply to every transaction. When they say different things, follow the stricter one. Following only one is a compliance failure.",
      "incorrect_response": "Both federal rules and Florida rules apply to every transaction at the same time. When they conflict, follow the stricter one. Following only one framework is a compliance failure.",
      "unsure_response": null
    },
    {
      "question_text": "What steps does your {{license_type}} license require you to follow on every check cashing transaction?",
      "options": [
        "Stay within transaction limits, verify the customer's ID, and apply restrictions on certain check types",
        "Verify the customer's ID only when the transaction is above a certain amount",
        "Apply transaction limits only — ID verification is optional for regular customers",
        "Follow the steps your supervisor tells you to follow for each specific transaction"
      ],
      "correct_answer": "Stay within transaction limits, verify the customer's ID, and apply restrictions on certain check types",
      "correct_response": "Correct. All three steps are required on every transaction — they are not optional and do not depend on transaction size or customer history.",
      "incorrect_response": "Your {{license_type}} license requires three steps on every transaction: stay within transaction limits, verify the customer's ID, and apply restrictions on certain check types. None of these are optional.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Stop first — then escalate:</strong> If a transaction seems unusual or you are not sure what to do, stop before finishing the transaction and tell your supervisor or the BSA/AML Compliance Officer. Do not try to handle it yourself.</p><ul><li>Both federal rules and Florida state rules apply to every transaction — follow the stricter one when they conflict.</li><li>Every transaction requires three steps: stay within transaction limits, verify the customer's ID, and apply restrictions on certain check types. No exceptions.</li><li>Skipping escalation is a compliance failure, regardless of how the transaction turns out.</li></ul>"
}