{
 "checked": "14 Oct 2026",
 "note": "Every non-zero range needs why + src; filled from research/2026-10-14-exit-book-*.md",
 "questions": [
  {
   "id": "country",
   "art": "globe",
   "meta": true,
   "row": "Country",
   "q": "Where do you live?",
   "hint": "The prices in this check are Austrian.",
   "options": [
    {
     "key": "AT",
     "label": "Austria",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    },
    {
     "key": "DE",
     "label": "Germany",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    },
    {
     "key": "other",
     "label": "Somewhere else",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    }
   ]
  },
  {
   "id": "mobile",
   "art": "phone",
   "row": "Phone plan",
   "q": "What do you pay for your phone plan each month?",
   "options": [
    {
     "key": "lt10",
     "label": "Less than €10",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    },
    {
     "key": "10-20",
     "label": "€10 to €20",
     "lo": 0,
     "hi": 120,
     "why": "Plans with the same data now start lower.",
     "src": "Based on current SIM-only prices: 10 GB from €5.90, 100 GB from €9.90 a month."
    },
    {
     "key": "20-35",
     "label": "€20 to €35",
     "lo": 60,
     "hi": 240,
     "why": "Plans with the same data start at €5.90 to €14.90 a month.",
     "src": "Based on current SIM-only prices: 10 GB from €5.90, 100 GB from €9.90 a month."
    },
    {
     "key": "35+",
     "label": "€35 or more",
     "lo": 120,
     "hi": 240,
     "why": "Even unlimited data starts at €24.90 a month now.",
     "src": "Based on current SIM-only prices: 10 GB from €5.90, 100 GB from €9.90 a month. Unlimited from €24.90."
    },
    {
     "key": "none",
     "label": "Someone else pays",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    }
   ]
  },
  {
   "id": "internet",
   "art": "router",
   "row": "Home internet",
   "q": "And for internet at home?",
   "hint": "Count the whole bill, with TV if it's bundled.",
   "options": [
    {
     "key": "none",
     "label": "No home internet",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    },
    {
     "key": "lt35",
     "label": "Less than €35",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    },
    {
     "key": "35-50",
     "label": "€35 to €50",
     "lo": 0,
     "hi": 120,
     "why": "Similar speeds now cost less on a new plan.",
     "src": "Based on current prices: no-binding plans from €19.90, 250 Mbit 5G at €34.90 a month."
    },
    {
     "key": "50+",
     "label": "€50 or more",
     "lo": 0,
     "hi": 240,
     "why": "Similar speeds now cost less on a new plan.",
     "src": "Based on current prices: no-binding plans from €19.90, 250 Mbit 5G at €34.90 a month."
    }
   ]
  },
  {
   "id": "power",
   "art": "light-bulb",
   "row": "Electricity",
   "q": "When did you last switch your electricity supplier?",
   "options": [
    {
     "key": "never",
     "label": "Never",
     "lo": 100,
     "hi": 240,
     "why": "Old open-ended tariffs cost about twice the cheapest offer. You can leave with two weeks' notice.",
     "src": "E-Control Tarifkalkulator, 14 Oct 2026: old floating tariffs 21–26 ct/kWh, cheapest offer 10 ct, at 1,927 kWh a year."
    },
    {
     "key": "2y",
     "label": "Two or more years ago",
     "lo": 100,
     "hi": 240,
     "why": "Old open-ended tariffs cost about twice the cheapest offer. You can leave with two weeks' notice.",
     "src": "E-Control Tarifkalkulator, 14 Oct 2026: old floating tariffs 21–26 ct/kWh, cheapest offer 10 ct, at 1,927 kWh a year."
    },
    {
     "key": "1y",
     "label": "In the last year",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    },
    {
     "key": "rent",
     "label": "It's included in my rent",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    }
   ]
  },
  {
   "id": "gas",
   "art": "radiator",
   "row": "Gas",
   "q": "Do you pay for gas yourself?",
   "hint": "For heating or hot water.",
   "options": [
    {
     "key": "no",
     "label": "No",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    },
    {
     "key": "never",
     "label": "Yes, and I never switched",
     "lo": 80,
     "hi": 130,
     "why": "The regional supplier's old tariff costs more than a new offer. The new supplier does the switch for you.",
     "src": "E-Control Tarifkalkulator, 14 Oct 2026, at 6,000 kWh a year for a small flat."
    },
    {
     "key": "recent",
     "label": "Yes, I switched recently",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    }
   ]
  },
  {
   "id": "car",
   "art": "car",
   "row": "Car insurance",
   "q": "When did you last compare your car insurance?",
   "options": [
    {
     "key": "nocar",
     "label": "I don't have a car",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    },
    {
     "key": "1y",
     "label": "In the last year",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    },
    {
     "key": "2y",
     "label": "Two or more years ago",
     "lo": 0,
     "hi": 120,
     "why": "Prices for the same cover differ a lot. You can leave a month before renewal.",
     "src": "Based on AK price tests: the same cover cost €249 to €1,124 a year."
    },
    {
     "key": "never",
     "label": "Never",
     "lo": 0,
     "hi": 230,
     "why": "Prices for the same cover differ a lot. You can leave a month before renewal.",
     "src": "Based on AK price tests: the same cover cost €249 to €1,124 a year."
    }
   ]
  },
  {
   "id": "ins",
   "art": "umbrella",
   "row": "Other insurance",
   "q": "How many other insurances do you pay yourself?",
   "hint": "For example household, legal, accident or life insurance.",
   "options": [
    {
     "key": "0",
     "label": "None",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    },
    {
     "key": "1",
     "label": "One",
     "lo": 0,
     "hi": 50,
     "why": "After three years you can leave with a month's notice. That's one policy to check, plus any cover you pay twice.",
     "src": "Based on AK tests: household €124–230, legal €233–484 a year for the same cover."
    },
    {
     "key": "2",
     "label": "Two",
     "lo": 0,
     "hi": 100,
     "why": "After three years you can leave with a month's notice. That's two policies to check, plus any cover you pay twice.",
     "src": "Based on AK tests: household €124–230, legal €233–484 a year for the same cover."
    },
    {
     "key": "3+",
     "label": "Three or more",
     "lo": 0,
     "hi": 150,
     "why": "After three years you can leave with a month's notice. That's three or more policies to check, plus any cover you pay twice.",
     "src": "Based on AK tests: household €124–230, legal €233–484 a year for the same cover."
    }
   ]
  },
  {
   "id": "gym",
   "art": "dumbbell",
   "row": "Gym",
   "q": "How often do you go to your gym?",
   "options": [
    {
     "key": "nogym",
     "label": "I don't have a membership",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    },
    {
     "key": "week",
     "label": "Every week",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    },
    {
     "key": "month",
     "label": "Once or twice a month",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    },
    {
     "key": "rarely",
     "label": "Hardly ever",
     "lo": 240,
     "hi": 360,
     "why": "If you hardly go, most of the fee buys nothing. Budget chains cost €20–30 a month.",
     "src": "Chain price lists checked 14 Oct 2026 (McFit, FitInn, clever fit)."
    }
   ]
  },
  {
   "id": "tax",
   "art": "tax-form",
   "row": "Tax refund",
   "oneOff": true,
   "q": "Did you do your Arbeitnehmer­veranlagung for each of the last five years?",
   "hint": "That's the yearly tax return for employees, done in FinanzOnline.",
   "options": [
    {
     "key": "all",
     "label": "Yes, every year",
     "lo": 0,
     "hi": 0,
     "why": "",
     "src": ""
    },
    {
     "key": "some",
     "label": "Some years",
     "lo": 0,
     "hi": 800,
     "why": "You can still file the missing years back to 2021. 2021 closes on 31 Dec 2026.",
     "src": "Statistik Austria, tax year 2023: €914 average refund per person who filed."
    },
    {
     "key": "never",
     "label": "Never",
     "lo": 0,
     "hi": 2000,
     "why": "You can still file back to 2021. 2021 closes on 31 Dec 2026.",
     "src": "Statistik Austria, tax year 2023: €914 average refund per person who filed."
    },
    {
     "key": "what",
     "label": "I've never heard of it",
     "lo": 0,
     "hi": 2000,
     "why": "It's the tax return for employees. You can still file back to 2021, and 2021 closes on 31 Dec 2026.",
     "src": "Statistik Austria, tax year 2023: €914 average refund per person who filed."
    }
   ]
  }
 ],
 "netPerGross100": 840,
 "netPerGross100_note": "Net a year from €100 more gross a month, 14 salaries: 12 x 81.93 x (1 - 30%) + 2 x 81.93 x 0.94 = 842 (30% bracket, SV 18.07%, 6% on the 13th/14th). The upper end of the range, so the raise comparison stays low. VERIFY with the BMF Brutto-Netto-Rechner before launch."
}