{
  "_meta": {
    "name": "Bank Import - Withdrawal/Expense",
    "description": "Record a withdrawal found in bank statement but missing from the ledger",
    "scenario": "Unmatched bank withdrawal (ATM, check, ACH debit, owner draw)",
    "when_to_use": [
      "ATM withdrawals (owner draws)",
      "Check payments",
      "ACH debits",
      "Any bank debit not yet in the ledger"
    ],
    "when_not_to_use": [
      "Withdrawals already recorded in the ledger",
      "Bill payments with existing bill records - use pay-existing-bill.json"
    ]
  },
  "_variables": {
    "date_timestamp": "integer - Unix timestamp for transaction date",
    "amount": "number - Withdrawal amount (positive, will be credited to Checking)",
    "offset_account_id": "integer - Account to debit (e.g., 24=Owner's Draws, 30=Bank Fees)",
    "description": "string - Transaction description",
    "reference": "string - Bank reference or description from statement",
    "memo": "string - Additional notes (optional)"
  },
  "_sequence": [
    "1. Create Transaction header (Status='Cleared') -> get txn_id",
    "2. Create TransactionLines (Dr Offset Account, Cr Checking)",
    "3. Verify IsBalanced = true"
  ],
  "records": {
    "transaction": {
      "_doc": "Step 1: Create transaction header. Status is Cleared since bank confirms it.",
      "_table": "Transactions",
      "_operation": "add_records",
      "payload": {
        "Date": "{{date_timestamp}}",
        "Description": "{{description}}",
        "Reference": "{{reference}}",
        "Status": "Cleared",
        "Memo": "{{memo}}"
      }
    },
    "transaction_lines": {
      "_doc": "Step 2: Debit offset account, Credit Checking (asset decrease).",
      "_table": "TransactionLines",
      "_operation": "add_records",
      "_requires": ["txn_id"],
      "payload": [
        {
          "Transaction": "{{txn_id}}",
          "Account": "{{offset_account_id}}",
          "Debit": "{{amount}}",
          "Credit": 0,
          "Memo": "{{description}}"
        },
        {
          "Transaction": "{{txn_id}}",
          "Account": 14,
          "Debit": 0,
          "Credit": "{{amount}}",
          "Memo": "{{description}}"
        }
      ]
    }
  },
  "journal_entries": {
    "_doc": "Summary of journal entry created by this template",
    "entry": {
      "description": "Record bank withdrawal",
      "debits": [{"account": "Offset Account", "amount": "{{amount}}"}],
      "credits": [{"account": "Checking Account (1001)", "amount": "{{amount}}"}]
    }
  },
  "examples": {
    "owner_draw": {
      "description": "ATM withdrawal - owner draw",
      "offset_account_id": 24,
      "offset_account_name": "Owner's Draws (3002)"
    },
    "bank_fee": {
      "description": "Bank service fee",
      "offset_account_id": 30,
      "offset_account_name": "Bank & Merchant Fees (5020)"
    }
  }
}