{"id":"educational","mode":"educational","version":"edu-2026.10.01","currency":"PLN","min":100,"max":20000,"default":{"amount":1000,"term":30,"rate":0,"commission":50,"scheme":"single","feeTiming":"end","start":"2026-10-01"},"rounding":"half-up to grosz","dayCount":"ACT/365 for single; ACT/365 for dated monthly cash flows; nominal monthly rate = annual/12","source":"§7 PL specification; educational assumptions, not commercial pricing"}