{
  "_meta": {
    "name": "Direct Expense (No Bill)",
    "description": "Record an expense directly without creating a bill record",
    "scenario": "Bank fees, minor expenses, or transactions without vendor invoices",
    "when_to_use": [
      "Bank service fees",
      "ATM fees",
      "Minor cash purchases without receipts",
      "Automatic deductions with no invoice"
    ],
    "when_not_to_use": [
      "Vendor invoices - use bill templates instead",
      "Expenses needing AP tracking",
      "Purchases requiring receipt documentation"
    ]
  },
  "_variables": {
    "date_timestamp": "integer - Unix timestamp for transaction date",
    "amount": "number - Transaction amount",
    "expense_account_id": "integer - Expense account ID to debit",
    "payment_account_id": "integer - Payment source account ID (14=Checking, 19=Credit Card)",
    "description": "string - Transaction description",
    "reference": "string - Reference number (statement line, confirmation, etc.)",
    "memo": "string - Additional notes (optional)"
  },
  "_sequence": [
    "1. Create Transaction header → get txn_id",
    "2. Create TransactionLines (Dr Expense, Cr Payment Account)",
    "3. Run audit check (verify IsBalanced = true)"
  ],
  "records": {
    "transaction": {
      "_doc": "Step 1: Create transaction header.",
      "_table": "Transactions",
      "_operation": "add_records",
      "payload": {
        "Date": "{{date_timestamp}}",
        "Description": "{{description}}",
        "Reference": "{{reference}}",
        "Status": "Cleared",
        "Memo": "{{memo}}"
      }
    },
    "transaction_lines": {
      "_doc": "Step 2: Create transaction lines. Debit expense, credit payment account.",
      "_table": "TransactionLines",
      "_operation": "add_records",
      "_requires": ["txn_id"],
      "payload": [
        {
          "Transaction": "{{txn_id}}",
          "Account": "{{expense_account_id}}",
          "Debit": "{{amount}}",
          "Credit": 0,
          "Memo": "{{description}}"
        },
        {
          "Transaction": "{{txn_id}}",
          "Account": "{{payment_account_id}}",
          "Debit": 0,
          "Credit": "{{amount}}",
          "Memo": "{{description}}"
        }
      ]
    }
  },
  "journal_entries": {
    "_doc": "Summary of journal entry created by this template",
    "entry": {
      "description": "Record direct expense",
      "debits": [{"account": "Expense Account", "amount": "{{amount}}"}],
      "credits": [{"account": "Payment Account (Checking/Credit Card)", "amount": "{{amount}}"}]
    }
  },
  "examples": {
    "bank_fee": {
      "description": "Monthly bank service fee",
      "expense_account_id": 30,
      "payment_account_id": 14,
      "expense_account_name": "Bank & Merchant Fees (5020)",
      "payment_account_name": "Checking Account (1001)"
    },
    "credit_card_fee": {
      "description": "Credit card annual fee",
      "expense_account_id": 30,
      "payment_account_id": 19,
      "expense_account_name": "Bank & Merchant Fees (5020)",
      "payment_account_name": "Business Credit Card (2101)"
    }
  }
}