{
  "$schema": "https://verifymcp.io/schemas/changelog.json",
  "server": "ai-senaro-personal-finance",
  "component": "mcp",
  "generated_at": "2026-09-29T03:27:07.495Z",
  "tracking_since": "2026-09-11",
  "counts": {
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    "security": 48,
    "functional": 0,
    "cosmetic": 0
  },
  "events": [
    {
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      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_cc_payoff",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
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      "materiality": "security",
      "direction": "neutral",
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      "detail": {
        "tool": "calculate_cc_payoff"
      },
      "occurred_on": "2026-09-29",
      "occurred_at": "2026-09-29 03:12:34.832414+00",
      "observed_since": "2026-09-28",
      "source": "scan",
      "summary": "Tool “calculate_cc_payoff” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0eb26-5c8c-74c4-b736-9171a8a907af"
    },
    {
      "id": "chg_01a0e474-2fb3-76de-a864-b69bcde4aa2e",
      "kind": "check.unverifiable",
      "family": "tool-safety-manipulation",
      "subject_kind": "check",
      "subject": "tool-safety-manipulation",
      "subject_child": "",
      "from_code": "toolsafety.manipulation_clean",
      "to_code": "toolsafety.manipulation_unjudged",
      "from_value": "pass",
      "to_value": "unverified",
      "materiality": "security",
      "direction": "regression",
      "score_delta": null,
      "detail": {
        "units": "19",
        "judged": "17",
        "reason": "partially_judged"
      },
      "occurred_on": "2026-09-27",
      "occurred_at": "2026-09-27 20:00:14.444479+00",
      "observed_since": "2026-09-26",
      "source": "scan",
      "summary": "Judged manipulation (pass → unverified)",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0e474-2fb3-76de-a864-b69bcde4aa2e"
    },
    {
      "id": "chg_01a0e474-2fb7-7972-b8fa-d7c0a1aa9ffa",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_debt_to_income",
      "subject_child": "",
      "from_code": null,
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      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
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      "detail": {
        "tool": "calculate_debt_to_income"
      },
      "occurred_on": "2026-09-27",
      "occurred_at": "2026-09-27 20:00:14.444479+00",
      "observed_since": "2026-09-27",
      "source": "scan",
      "summary": "Tool “calculate_debt_to_income” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0e474-2fb7-7972-b8fa-d7c0a1aa9ffa"
    },
    {
      "id": "chg_01a0e474-2fb8-79f2-b112-e703219475e7",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "compare_rent_vs_buy",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
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      "materiality": "security",
      "direction": "neutral",
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      "detail": {
        "tool": "compare_rent_vs_buy"
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      "occurred_on": "2026-09-27",
      "occurred_at": "2026-09-27 20:00:14.444479+00",
      "observed_since": "2026-09-27",
      "source": "scan",
      "summary": "Tool “compare_rent_vs_buy” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0e474-2fb8-79f2-b112-e703219475e7"
    },
    {
      "id": "chg_01a0da95-661e-7ce7-bdf5-035337ca4495",
      "kind": "server.instructions_changed",
      "family": "",
      "subject_kind": "server",
      "subject": "instructions",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {},
      "occurred_on": "2026-09-25",
      "occurred_at": "2026-09-25 22:00:18.604002+00",
      "observed_since": "2026-09-25",
      "source": "scan",
      "summary": "The server rewrote its instructions, which are the text every model session reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0da95-661e-7ce7-bdf5-035337ca4495"
    },
    {
      "id": "chg_01a0d79d-2ff0-750d-91bd-e4ef1930b19d",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "analyze_cash_advance",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "analyze_cash_advance"
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      "occurred_on": "2026-09-25",
      "occurred_at": "2026-09-25 08:09:56.89134+00",
      "observed_since": "2026-09-25",
      "source": "scan",
      "summary": "Tool “analyze_cash_advance” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d79d-2ff0-750d-91bd-e4ef1930b19d"
    },
    {
      "id": "chg_01a0d79d-2ff4-7ba4-8978-e8ef6327a324",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_cc_payoff",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "calculate_cc_payoff"
      },
      "occurred_on": "2026-09-25",
      "occurred_at": "2026-09-25 08:09:56.89134+00",
      "observed_since": "2026-09-25",
      "source": "scan",
      "summary": "Tool “calculate_cc_payoff” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d79d-2ff4-7ba4-8978-e8ef6327a324"
    },
    {
      "id": "chg_01a0d79d-2ff8-780a-8b83-ae96ee1ab2f7",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_compound_interest",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "calculate_compound_interest"
      },
      "occurred_on": "2026-09-25",
      "occurred_at": "2026-09-25 08:09:56.89134+00",
      "observed_since": "2026-09-25",
      "source": "scan",
      "summary": "Tool “calculate_compound_interest” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d79d-2ff8-780a-8b83-ae96ee1ab2f7"
    },
    {
      "id": "chg_01a0d79d-2ffa-7555-8aa4-68389855424e",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_loan_payoff",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "calculate_loan_payoff"
      },
      "occurred_on": "2026-09-25",
      "occurred_at": "2026-09-25 08:09:56.89134+00",
      "observed_since": "2026-09-25",
      "source": "scan",
      "summary": "Tool “calculate_loan_payoff” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d79d-2ffa-7555-8aa4-68389855424e"
    },
    {
      "id": "chg_01a0d79d-2ffb-704f-991e-c4a5aeb388ed",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_opportunity_cost",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "calculate_opportunity_cost"
      },
      "occurred_on": "2026-09-25",
      "occurred_at": "2026-09-25 08:09:56.89134+00",
      "observed_since": "2026-09-25",
      "source": "scan",
      "summary": "Tool “calculate_opportunity_cost” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d79d-2ffb-704f-991e-c4a5aeb388ed"
    },
    {
      "id": "chg_01a0d79d-2ffd-75dd-9005-da6160d74658",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "compare_debt_consolidation",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "compare_debt_consolidation"
      },
      "occurred_on": "2026-09-25",
      "occurred_at": "2026-09-25 08:09:56.89134+00",
      "observed_since": "2026-09-25",
      "source": "scan",
      "summary": "Tool “compare_debt_consolidation” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d79d-2ffd-75dd-9005-da6160d74658"
    },
    {
      "id": "chg_01a0d79d-2ffd-7a8e-a903-c95d0a48fac8",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "compare_payoff_strategies",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "compare_payoff_strategies"
      },
      "occurred_on": "2026-09-25",
      "occurred_at": "2026-09-25 08:09:56.89134+00",
      "observed_since": "2026-09-25",
      "source": "scan",
      "summary": "Tool “compare_payoff_strategies” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d79d-2ffd-7a8e-a903-c95d0a48fac8"
    },
    {
      "id": "chg_01a0d243-62a0-736c-bf98-2c46cdb04828",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "analyze_pmi_removal",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "analyze_pmi_removal"
      },
      "occurred_on": "2026-09-24",
      "occurred_at": "2026-09-24 07:13:46.347619+00",
      "observed_since": "2026-09-24",
      "source": "scan",
      "summary": "Tool “analyze_pmi_removal” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d243-62a0-736c-bf98-2c46cdb04828"
    },
    {
      "id": "chg_01a0d243-62a1-78cb-9fde-4393dd028ce3",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_cc_payoff",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "calculate_cc_payoff"
      },
      "occurred_on": "2026-09-24",
      "occurred_at": "2026-09-24 07:13:46.347619+00",
      "observed_since": "2026-09-24",
      "source": "scan",
      "summary": "Tool “calculate_cc_payoff” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d243-62a1-78cb-9fde-4393dd028ce3"
    },
    {
      "id": "chg_01a0d243-62a2-7d24-9777-b323ff3cec26",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_debt_to_income",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "calculate_debt_to_income"
      },
      "occurred_on": "2026-09-24",
      "occurred_at": "2026-09-24 07:13:46.347619+00",
      "observed_since": "2026-09-24",
      "source": "scan",
      "summary": "Tool “calculate_debt_to_income” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d243-62a2-7d24-9777-b323ff3cec26"
    },
    {
      "id": "chg_01a0d243-62a4-734a-8d4e-78716c4c8567",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_opportunity_cost",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "calculate_opportunity_cost"
      },
      "occurred_on": "2026-09-24",
      "occurred_at": "2026-09-24 07:13:46.347619+00",
      "observed_since": "2026-09-24",
      "source": "scan",
      "summary": "Tool “calculate_opportunity_cost” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d243-62a4-734a-8d4e-78716c4c8567"
    },
    {
      "id": "chg_01a0d243-62a5-732e-bf6d-95294d901c9d",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_runway",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "calculate_runway"
      },
      "occurred_on": "2026-09-24",
      "occurred_at": "2026-09-24 07:13:46.347619+00",
      "observed_since": "2026-09-24",
      "source": "scan",
      "summary": "Tool “calculate_runway” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d243-62a5-732e-bf6d-95294d901c9d"
    },
    {
      "id": "chg_01a0d243-62a5-7be1-b0ce-64cf12477587",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "compare_debt_consolidation",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "compare_debt_consolidation"
      },
      "occurred_on": "2026-09-24",
      "occurred_at": "2026-09-24 07:13:46.347619+00",
      "observed_since": "2026-09-24",
      "source": "scan",
      "summary": "Tool “compare_debt_consolidation” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d243-62a5-7be1-b0ce-64cf12477587"
    },
    {
      "id": "chg_01a0d243-62a8-74da-945e-c1d84f3d724c",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "compare_mortgage_terms",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "compare_mortgage_terms"
      },
      "occurred_on": "2026-09-24",
      "occurred_at": "2026-09-24 07:13:46.347619+00",
      "observed_since": "2026-09-24",
      "source": "scan",
      "summary": "Tool “compare_mortgage_terms” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d243-62a8-74da-945e-c1d84f3d724c"
    },
    {
      "id": "chg_01a0d243-62a8-7987-a7e5-43d84733a28c",
      "kind": "tool.removed",
      "family": "",
      "subject_kind": "tool",
      "subject": "compare_strategies",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "regression",
      "score_delta": null,
      "detail": {
        "tool": "compare_strategies"
      },
      "occurred_on": "2026-09-24",
      "occurred_at": "2026-09-24 07:13:46.347619+00",
      "observed_since": "2026-09-24",
      "source": "scan",
      "summary": "Tool “compare_strategies” was removed",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d243-62a8-7987-a7e5-43d84733a28c"
    },
    {
      "id": "chg_01a0d243-62a8-7e7d-807b-117f96167a3f",
      "kind": "tool.removed",
      "family": "",
      "subject_kind": "tool",
      "subject": "compound_interest",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "regression",
      "score_delta": null,
      "detail": {
        "tool": "compound_interest"
      },
      "occurred_on": "2026-09-24",
      "occurred_at": "2026-09-24 07:13:46.347619+00",
      "observed_since": "2026-09-24",
      "source": "scan",
      "summary": "Tool “compound_interest” was removed",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d243-62a8-7e7d-807b-117f96167a3f"
    },
    {
      "id": "chg_01a0d243-62a9-75a8-9c66-05da2bee16bc",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "list_defaults",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "list_defaults"
      },
      "occurred_on": "2026-09-24",
      "occurred_at": "2026-09-24 07:13:46.347619+00",
      "observed_since": "2026-09-24",
      "source": "scan",
      "summary": "Tool “list_defaults” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d243-62a9-75a8-9c66-05da2bee16bc"
    },
    {
      "id": "chg_01a0d243-62aa-73ed-b9d2-4d154bf5e6fc",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "optimize_401k_match",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "optimize_401k_match"
      },
      "occurred_on": "2026-09-24",
      "occurred_at": "2026-09-24 07:13:46.347619+00",
      "observed_since": "2026-09-24",
      "source": "scan",
      "summary": "Tool “optimize_401k_match” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d243-62aa-73ed-b9d2-4d154bf5e6fc"
    },
    {
      "id": "chg_01a0d243-62ab-7b08-9171-24401ccab4b2",
      "kind": "tool.removed",
      "family": "",
      "subject_kind": "tool",
      "subject": "payoff_vs_invest",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "regression",
      "score_delta": null,
      "detail": {
        "tool": "payoff_vs_invest"
      },
      "occurred_on": "2026-09-24",
      "occurred_at": "2026-09-24 07:13:46.347619+00",
      "observed_since": "2026-09-24",
      "source": "scan",
      "summary": "Tool “payoff_vs_invest” was removed",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d243-62ab-7b08-9171-24401ccab4b2"
    },
    {
      "id": "chg_01a0d243-62ac-7133-890f-92c9c6f7c33e",
      "kind": "tool.removed",
      "family": "",
      "subject_kind": "tool",
      "subject": "refi_breakeven",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "regression",
      "score_delta": null,
      "detail": {
        "tool": "refi_breakeven"
      },
      "occurred_on": "2026-09-24",
      "occurred_at": "2026-09-24 07:13:46.347619+00",
      "observed_since": "2026-09-24",
      "source": "scan",
      "summary": "Tool “refi_breakeven” was removed",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d243-62ac-7133-890f-92c9c6f7c33e"
    },
    {
      "id": "chg_01a0d243-62ac-75e7-965f-284724d52d02",
      "kind": "tool.removed",
      "family": "",
      "subject_kind": "tool",
      "subject": "rent_vs_buy",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "regression",
      "score_delta": null,
      "detail": {
        "tool": "rent_vs_buy"
      },
      "occurred_on": "2026-09-24",
      "occurred_at": "2026-09-24 07:13:46.347619+00",
      "observed_since": "2026-09-24",
      "source": "scan",
      "summary": "Tool “rent_vs_buy” was removed",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d243-62ac-75e7-965f-284724d52d02"
    },
    {
      "id": "chg_01a0d243-62b0-7c46-a3fd-641bee41ce02",
      "kind": "server.instructions_changed",
      "family": "",
      "subject_kind": "server",
      "subject": "instructions",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {},
      "occurred_on": "2026-09-24",
      "occurred_at": "2026-09-24 07:13:46.347619+00",
      "observed_since": "2026-09-24",
      "source": "scan",
      "summary": "The server rewrote its instructions, which are the text every model session reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0d243-62b0-7c46-a3fd-641bee41ce02"
    },
    {
      "id": "chg_01a0c74f-2fbd-7c22-9135-72f1847dddd8",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "analyze_pmi_removal",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "analyze_pmi_removal"
      },
      "occurred_on": "2026-09-22",
      "occurred_at": "2026-09-22 04:10:50.57266+00",
      "observed_since": "2026-09-21",
      "source": "scan",
      "summary": "Tool “analyze_pmi_removal” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0c74f-2fbd-7c22-9135-72f1847dddd8"
    },
    {
      "id": "chg_01a0c74f-2fbe-779c-97f1-d4a320b1368a",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_cc_payoff",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "calculate_cc_payoff"
      },
      "occurred_on": "2026-09-22",
      "occurred_at": "2026-09-22 04:10:50.57266+00",
      "observed_since": "2026-09-21",
      "source": "scan",
      "summary": "Tool “calculate_cc_payoff” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0c74f-2fbe-779c-97f1-d4a320b1368a"
    },
    {
      "id": "chg_01a0c74f-2fbf-7c51-a392-1eaee9ed484f",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_debt_to_income",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "calculate_debt_to_income"
      },
      "occurred_on": "2026-09-22",
      "occurred_at": "2026-09-22 04:10:50.57266+00",
      "observed_since": "2026-09-21",
      "source": "scan",
      "summary": "Tool “calculate_debt_to_income” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0c74f-2fbf-7c51-a392-1eaee9ed484f"
    },
    {
      "id": "chg_01a0c74f-2fc0-728c-ac57-d9671fb6eb4e",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_emergency_fund",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "calculate_emergency_fund"
      },
      "occurred_on": "2026-09-22",
      "occurred_at": "2026-09-22 04:10:50.57266+00",
      "observed_since": "2026-09-21",
      "source": "scan",
      "summary": "Tool “calculate_emergency_fund” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0c74f-2fc0-728c-ac57-d9671fb6eb4e"
    },
    {
      "id": "chg_01a0c74f-2fc0-77c5-b58c-54ec7f5506d9",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_loan_payoff",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "calculate_loan_payoff"
      },
      "occurred_on": "2026-09-22",
      "occurred_at": "2026-09-22 04:10:50.57266+00",
      "observed_since": "2026-09-21",
      "source": "scan",
      "summary": "Tool “calculate_loan_payoff” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0c74f-2fc0-77c5-b58c-54ec7f5506d9"
    },
    {
      "id": "chg_01a0c74f-2fc1-774b-ad6b-c8c02775cd9b",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_runway",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "calculate_runway"
      },
      "occurred_on": "2026-09-22",
      "occurred_at": "2026-09-22 04:10:50.57266+00",
      "observed_since": "2026-09-21",
      "source": "scan",
      "summary": "Tool “calculate_runway” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0c74f-2fc1-774b-ad6b-c8c02775cd9b"
    },
    {
      "id": "chg_01a0c74f-2fc2-7bc2-bfc7-6ec56bf5fc91",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "compare_debt_consolidation",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "compare_debt_consolidation"
      },
      "occurred_on": "2026-09-22",
      "occurred_at": "2026-09-22 04:10:50.57266+00",
      "observed_since": "2026-09-21",
      "source": "scan",
      "summary": "Tool “compare_debt_consolidation” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0c74f-2fc2-7bc2-bfc7-6ec56bf5fc91"
    },
    {
      "id": "chg_01a0c74f-2fc4-7ba0-9eb8-f7239034d629",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "compare_mortgage_terms",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "compare_mortgage_terms"
      },
      "occurred_on": "2026-09-22",
      "occurred_at": "2026-09-22 04:10:50.57266+00",
      "observed_since": "2026-09-21",
      "source": "scan",
      "summary": "Tool “compare_mortgage_terms” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0c74f-2fc4-7ba0-9eb8-f7239034d629"
    },
    {
      "id": "chg_01a0c74f-2fc5-77c7-9422-a240b1d1350e",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "compare_strategies",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "compare_strategies"
      },
      "occurred_on": "2026-09-22",
      "occurred_at": "2026-09-22 04:10:50.57266+00",
      "observed_since": "2026-09-21",
      "source": "scan",
      "summary": "Tool “compare_strategies” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0c74f-2fc5-77c7-9422-a240b1d1350e"
    },
    {
      "id": "chg_01a0c74f-2fc6-7a1b-b819-c55b782a15e4",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "optimize_401k_match",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "optimize_401k_match"
      },
      "occurred_on": "2026-09-22",
      "occurred_at": "2026-09-22 04:10:50.57266+00",
      "observed_since": "2026-09-21",
      "source": "scan",
      "summary": "Tool “optimize_401k_match” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0c74f-2fc6-7a1b-b819-c55b782a15e4"
    },
    {
      "id": "chg_01a0c74f-2fc7-7a9c-9b7e-67f28960e9c6",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "payoff_vs_invest",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "payoff_vs_invest"
      },
      "occurred_on": "2026-09-22",
      "occurred_at": "2026-09-22 04:10:50.57266+00",
      "observed_since": "2026-09-21",
      "source": "scan",
      "summary": "Tool “payoff_vs_invest” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0c74f-2fc7-7a9c-9b7e-67f28960e9c6"
    },
    {
      "id": "chg_01a0c74f-2fc8-7e4d-9246-3de8d4d8b293",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "refi_breakeven",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "refi_breakeven"
      },
      "occurred_on": "2026-09-22",
      "occurred_at": "2026-09-22 04:10:50.57266+00",
      "observed_since": "2026-09-21",
      "source": "scan",
      "summary": "Tool “refi_breakeven” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0c74f-2fc8-7e4d-9246-3de8d4d8b293"
    },
    {
      "id": "chg_01a0c74f-2fc9-75e9-89ed-64355a7d8da0",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "rent_vs_buy",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "rent_vs_buy"
      },
      "occurred_on": "2026-09-22",
      "occurred_at": "2026-09-22 04:10:50.57266+00",
      "observed_since": "2026-09-21",
      "source": "scan",
      "summary": "Tool “rent_vs_buy” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0c74f-2fc9-75e9-89ed-64355a7d8da0"
    },
    {
      "id": "chg_01a0bb78-5402-7e66-a9f5-143b6c723d8e",
      "kind": "check.verdict",
      "family": "stability",
      "subject_kind": "check",
      "subject": "stability",
      "subject_child": "",
      "from_code": "stability.building_history",
      "to_code": "stability.churn",
      "from_value": "0.23",
      "to_value": "fail",
      "materiality": "security",
      "direction": "regression",
      "score_delta": null,
      "detail": {
        "days": "8",
        "added": "0",
        "breaks": "16",
        "removed": "0",
        "auth_transport": "0"
      },
      "occurred_on": "2026-09-19",
      "occurred_at": "2026-09-19 21:00:20.294763+00",
      "observed_since": "2026-09-18",
      "source": "scan",
      "summary": "Stability (0.23 → fail)",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0bb78-5402-7e66-a9f5-143b6c723d8e"
    },
    {
      "id": "chg_01a0bb78-5405-748f-aadc-25155b1e4219",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "analyze_cash_advance",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "analyze_cash_advance"
      },
      "occurred_on": "2026-09-19",
      "occurred_at": "2026-09-19 21:00:20.294763+00",
      "observed_since": "2026-09-19",
      "source": "scan",
      "summary": "Tool “analyze_cash_advance” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0bb78-5405-748f-aadc-25155b1e4219"
    },
    {
      "id": "chg_01a0bb78-5405-7b97-a18c-85cc44a8e17d",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "compound_interest",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "compound_interest"
      },
      "occurred_on": "2026-09-19",
      "occurred_at": "2026-09-19 21:00:20.294763+00",
      "observed_since": "2026-09-19",
      "source": "scan",
      "summary": "Tool “compound_interest” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0bb78-5405-7b97-a18c-85cc44a8e17d"
    },
    {
      "id": "chg_01a0bb78-5406-7183-8e7e-1471239c60c9",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "analyze_pmi_removal",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "analyze_pmi_removal"
      },
      "occurred_on": "2026-09-19",
      "occurred_at": "2026-09-19 21:00:20.294763+00",
      "observed_since": "2026-09-19",
      "source": "scan",
      "summary": "Tool “analyze_pmi_removal” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0bb78-5406-7183-8e7e-1471239c60c9"
    },
    {
      "id": "chg_01a0bb78-5406-75fc-b2dc-140c5c5c8fef",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_emergency_fund",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "calculate_emergency_fund"
      },
      "occurred_on": "2026-09-19",
      "occurred_at": "2026-09-19 21:00:20.294763+00",
      "observed_since": "2026-09-19",
      "source": "scan",
      "summary": "Tool “calculate_emergency_fund” rewrote its description, which is the text the model reads",
      "link": "https://verifymcp.io/servers/ai-senaro-personal-finance/mcp#chg-chg_01a0bb78-5406-75fc-b2dc-140c5c5c8fef"
    },
    {
      "id": "chg_01a0bb78-5406-7a36-9480-18d2d51c2199",
      "kind": "tool.description_changed",
      "family": "",
      "subject_kind": "tool",
      "subject": "calculate_opportunity_cost",
      "subject_child": "",
      "from_code": null,
      "to_code": null,
      "from_value": null,
      "to_value": null,
      "materiality": "security",
      "direction": "neutral",
      "score_delta": null,
      "detail": {
        "tool": "calculate_opportunity_cost"
      },
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