{
  "carrier_name": "Example Carrier - synthetic",
  "settlement_reference": "DEMO-SETTLEMENT-0042",
  "settlement_period": "September 2026",
  "load_payment_rows": [
    {
      "load_reference": "DEMO-LOAD-0042",
      "delivery_date": "2026-09-30",
      "gross_pay": 1250,
      "adjustment_amount": 0,
      "stated_net_pay": 1250
    }
  ],
  "gross_pay": 1250,
  "deduction_rows": [
    {
      "reference": "Example reference - synthetic",
      "description": "No advance deduction stated in this normal synthetic example",
      "amount": 0
    }
  ],
  "stated_net_pay": 1250
}