{
  "question_text": "You notice that the paper on a check feels smooth and shiny. What should you do?",
  "options": [
    "Do not release the funds — tell the customer you need to verify the check and get your supervisor",
    "Accept the check because smooth paper is normal for certain types of checks",
    "Ask the customer if they can explain why the paper feels different",
    "Decline the check on your own and move on to the next customer"
  ],
  "correct_answer": "Do not release the funds — tell the customer you need to verify the check and get your supervisor",
  "correct_response": "Correct. Smooth or shiny paper is a warning sign. Tell the customer you need to verify the check, and get your supervisor. You do not make the final call alone.",
  "incorrect_response": "Smooth or shiny paper is always a warning sign — real check paper feels slightly rough. When you see a warning sign, tell the customer you need to verify, and get your supervisor. You do not accept the check or decide on your own.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "Which of the following is a warning sign on a check?",
      "options": [
        "The written amount in words does not match the number written in the box",
        "The check was issued more than 90 days ago",
        "The check was written by a business rather than an individual",
        "The check is drawn on a bank in a different state than where you work"
      ],
      "correct_answer": "The written amount in words does not match the number written in the box",
      "correct_response": "Correct. The two amounts must always match exactly. If they are different, that is a warning sign that the check may have been changed.",
      "incorrect_response": "If the written amount and the number in the box do not match, that is a warning sign. The age of the check, whether it came from a business, and the bank's location are not warning signs listed in this program.",
      "unsure_response": null
    },
    {
      "question_text": "When you spot a warning sign on a check, who makes the final decision about whether to accept or decline it?",
      "options": [
        "Your supervisor — you do not make that call alone",
        "You, the teller, since you spotted the problem first",
        "The customer, once you explain your concern to them",
        "The BSA/AML Compliance Officer, who must be called for every warning sign you observe"
      ],
      "correct_answer": "Your supervisor — you do not make that call alone",
      "correct_response": "Correct. You spot the warning sign and get your supervisor. Your supervisor makes the accept or decline decision.",
      "incorrect_response": "Your supervisor makes the final decision — not you, not the customer. The BSA/AML Compliance Officer is only called in specific situations, not for every warning sign a teller observes.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Key point:</strong> You are the first person to catch a problem. When something looks wrong, stop and get help — you do not make the final call alone.</p><ul><li>Smooth or shiny paper is a warning sign — real check paper feels slightly rough.</li><li>If the written amount and the number in the box do not match, that is a warning sign.</li><li>Tell the customer you need to verify the check. Do not say what you suspect.</li><li>Get your supervisor. They decide whether to accept or decline.</li></ul>"
}