{
  "schema_version": 1,
  "publisher": "OptimalCardSetup",
  "report_url": "https://optimalcardsetup.com/blog/q4-2026-optimal-wallet-report",
  "license": "Free to cite with a link to the source.",
  "catalog_snapshot_date": "2026-10-10",
  "catalog": {
    "as_of": "2026-09-22",
    "revision": "005746643c4820b5",
    "cards": 53
  },
  "generator": {
    "script": "backend/scripts/data_report_q4_2026.py",
    "seed": 20261007,
    "profiles": 252
  },
  "method": {
    "profiles": "252 synthetic households, 36 for each of seven archetypes. Each archetype has a monthly dollar range per spend category; a seeded random generator (seed 20261007) drew each household's amounts and rounded them to the nearest $5. The ranges are illustrative judgment, not survey data, and do not represent the U.S. population.",
    "solver": "Each profile went through the same request handling, constraint solver (OR-Tools CP-SAT) and result calculation as the live optimizer, at the free tier's 2-card limit and at a 5-card limit, in cash mode (every point at its cash redemption value) and in travel mode.",
    "catalog": "OptimalCardSetup's card catalog as of the snapshot date, with 53 cards. A default request leaves 45 eligible: business, debit, closed-to-new-applicant and waitlist-only cards are excluded. Credits count at the catalog's conservative values. The Bilt rent switch was off.",
    "proof": "All 1,260 main solves were proven optimal. The Bilt rent-switch sensitivity run for urban renters is not published because only 5 of its 36 solves were proven optimal."
  },
  "limitations": [
    "Synthetic profiles: the 252 households are illustrative, not a survey or a sample of users.",
    "Modeled cash-mode values unless a scenario says travel mode; the cards that win depend on how points are valued.",
    "Welcome offers, approval odds and issuer eligibility rules are not modeled.",
    "Rotating categories are valued at their fixed rates only.",
    "Card credits count at conservative values; the removal tests show how far results move without them.",
    "Prime Visa and Costco Anywhere Visa assume a membership the model does not price.",
    "Not a ranking of the best cards and not financial advice."
  ],
  "files": [
    {
      "name": "q4-2026-card-frequency.csv",
      "format": "csv",
      "title": "Cards in optimal wallets",
      "description": "How often each of the most common cards appeared in the solver's optimal wallets: overall and within each archetype, for the 2-card cash, 5-card cash and 2-card travel runs. One row per scenario, card and group.",
      "rows": 240,
      "columns": [
        {
          "name": "scenario",
          "type": "text",
          "description": "cash_2_cards (free tier, cash mode), cash_5_cards (5-card limit, cash mode) or travel_2_cards (2-card limit, travel mode)."
        },
        {
          "name": "card_key",
          "type": "text",
          "description": "OptimalCardSetup card id; the card page is /cards/<card_key>."
        },
        {
          "name": "card_name",
          "type": "text",
          "description": "Card name as shown on the site."
        },
        {
          "name": "annual_fee_usd",
          "type": "usd",
          "description": "Annual fee in dollars at the snapshot date."
        },
        {
          "name": "group",
          "type": "text",
          "description": "all (every profile) or an archetype id from the archetypes file."
        },
        {
          "name": "wallets",
          "type": "integer",
          "description": "Profiles whose optimal wallet included this card."
        },
        {
          "name": "group_profiles",
          "type": "integer",
          "description": "Profiles in the group: 252 for all, 36 for each archetype."
        },
        {
          "name": "share_pct",
          "type": "percent",
          "description": "wallets divided by group_profiles, in percent."
        }
      ]
    },
    {
      "name": "q4-2026-top-wallets.csv",
      "format": "csv",
      "title": "Most common 2-card pairs",
      "description": "The ten pairs of cards that were optimal for the most profiles in the 2-card cash run.",
      "rows": 10,
      "columns": [
        {
          "name": "scenario",
          "type": "text",
          "description": "Always cash_2_cards."
        },
        {
          "name": "rank",
          "type": "integer",
          "description": "1 is the pair that was optimal for the most profiles."
        },
        {
          "name": "card_1_key",
          "type": "text",
          "description": "First card id (alphabetical by id)."
        },
        {
          "name": "card_1_name",
          "type": "text",
          "description": "First card name."
        },
        {
          "name": "card_2_key",
          "type": "text",
          "description": "Second card id."
        },
        {
          "name": "card_2_name",
          "type": "text",
          "description": "Second card name."
        },
        {
          "name": "wallets",
          "type": "integer",
          "description": "Profiles for which this pair was the optimal wallet."
        },
        {
          "name": "share_pct",
          "type": "percent",
          "description": "wallets divided by 252, in percent."
        }
      ]
    },
    {
      "name": "q4-2026-archetypes.csv",
      "format": "csv",
      "title": "Household archetypes",
      "description": "The seven archetypes the 252 synthetic households were drawn from, with their monthly spend.",
      "rows": 8,
      "columns": [
        {
          "name": "archetype",
          "type": "text",
          "description": "Archetype id, or all for every profile."
        },
        {
          "name": "label",
          "type": "text",
          "description": "Display name."
        },
        {
          "name": "description",
          "type": "text",
          "description": "One-line description of the archetype."
        },
        {
          "name": "profiles",
          "type": "integer",
          "description": "Synthetic households in the group."
        },
        {
          "name": "median_monthly_spend_excl_rent_usd",
          "type": "usd",
          "description": "Median total monthly card spend across the group's profiles, excluding rent."
        },
        {
          "name": "min_monthly_spend_excl_rent_usd",
          "type": "usd",
          "description": "Lowest monthly spend of any profile in the group, excluding rent."
        },
        {
          "name": "max_monthly_spend_excl_rent_usd",
          "type": "usd",
          "description": "Highest monthly spend of any profile in the group, excluding rent."
        },
        {
          "name": "median_monthly_rent_usd",
          "type": "usd",
          "description": "Median monthly rent for archetypes that pay rent on a card; blank otherwise. Rent earned nothing in these runs."
        }
      ]
    },
    {
      "name": "q4-2026-archetype-results.csv",
      "format": "csv",
      "title": "Results by archetype",
      "description": "Modeled net value at 2 and 5 cards, the gain from the extra cards, how often a fee card was optimal, and how close the best $0-fee pair came. Cash mode.",
      "rows": 8,
      "columns": [
        {
          "name": "group",
          "type": "text",
          "description": "Archetype id, or all for every profile."
        },
        {
          "name": "label",
          "type": "text",
          "description": "Display name."
        },
        {
          "name": "profiles",
          "type": "integer",
          "description": "Synthetic households in the group."
        },
        {
          "name": "median_net_value_2_cards_usd",
          "type": "usd",
          "description": "Median annual net value of the optimal 2-card wallet: modeled rewards minus annual fees after conservative credit values. Blank for all."
        },
        {
          "name": "median_net_value_5_cards_usd",
          "type": "usd",
          "description": "Same for the optimal 5-card wallet. Blank for all."
        },
        {
          "name": "median_gain_usd",
          "type": "usd",
          "description": "Median per-profile difference between the 5-card and 2-card net value, per year."
        },
        {
          "name": "mean_gain_usd",
          "type": "usd",
          "description": "Mean of that difference."
        },
        {
          "name": "min_gain_usd",
          "type": "usd",
          "description": "Smallest difference in the group."
        },
        {
          "name": "max_gain_usd",
          "type": "usd",
          "description": "Largest difference in the group."
        },
        {
          "name": "median_gain_pct",
          "type": "percent",
          "description": "Median per-profile gain as a percentage of the 2-card net value."
        },
        {
          "name": "wallets_with_fee_card",
          "type": "integer",
          "description": "Optimal 2-card wallets that included at least one card with an annual fee."
        },
        {
          "name": "share_with_fee_card_pct",
          "type": "percent",
          "description": "wallets_with_fee_card divided by profiles, in percent."
        },
        {
          "name": "zero_fee_within_25_profiles",
          "type": "integer",
          "description": "Profiles whose best 2-card wallet of $0-fee cards was within $25 a year of the overall best 2-card wallet."
        },
        {
          "name": "zero_fee_within_25_pct",
          "type": "percent",
          "description": "zero_fee_within_25_profiles divided by profiles, in percent."
        },
        {
          "name": "zero_fee_median_shortfall_usd",
          "type": "usd",
          "description": "Median yearly value given up by using $0-fee cards only."
        }
      ]
    },
    {
      "name": "q4-2026-profile-ranges.csv",
      "format": "csv",
      "title": "Profile definitions",
      "description": "The monthly spending ranges each archetype's households were drawn from. A category that is not listed for an archetype is always $0.",
      "rows": 111,
      "columns": [
        {
          "name": "archetype",
          "type": "text",
          "description": "Archetype id from the archetypes file."
        },
        {
          "name": "spend_category",
          "type": "text",
          "description": "Optimizer spend-category id, for example dining or groceries_instore."
        },
        {
          "name": "monthly_low_usd",
          "type": "integer",
          "description": "Low end of the monthly range in dollars."
        },
        {
          "name": "monthly_high_usd",
          "type": "integer",
          "description": "High end of the monthly range in dollars."
        },
        {
          "name": "probability_present",
          "type": "fraction",
          "description": "Probability that a household has any spend in the category (1 means always). The amount is uniform between low and high, rounded to the nearest $5."
        }
      ]
    },
    {
      "name": "q4-2026-card-removal-tests.csv",
      "format": "csv",
      "title": "What happens without a card or its credits",
      "description": "Follow-up solves for the wallets that included a card: re-solved with the card's credits valued at $0, or with the card excluded.",
      "rows": 7,
      "columns": [
        {
          "name": "test",
          "type": "text",
          "description": "credits_valued_at_zero (every credit on the card set to $0, a Premium setting) or card_excluded (the card removed from the candidates)."
        },
        {
          "name": "scenario",
          "type": "text",
          "description": "cash_2_cards or travel_2_cards."
        },
        {
          "name": "card_key",
          "type": "text",
          "description": "OptimalCardSetup card id."
        },
        {
          "name": "card_name",
          "type": "text",
          "description": "Card name."
        },
        {
          "name": "annual_fee_usd",
          "type": "usd",
          "description": "Annual fee in dollars at the snapshot date."
        },
        {
          "name": "wallets_tested",
          "type": "integer",
          "description": "Profiles whose optimal wallet had included the card."
        },
        {
          "name": "wallets_still_selected",
          "type": "integer",
          "description": "Of those, wallets that still included the card after its credits were set to $0. Blank for card_excluded."
        },
        {
          "name": "median_value_lost_usd",
          "type": "usd",
          "description": "Median yearly value of the new best wallet below the original optimum."
        },
        {
          "name": "max_value_lost_usd",
          "type": "usd",
          "description": "Largest such difference. Blank for credits_valued_at_zero."
        },
        {
          "name": "replacement_cards",
          "type": "text",
          "description": "Cards that entered the new best wallet in place of the original, each with the number of profiles in which it entered (a profile can add more than one card), separated by semicolons."
        }
      ]
    },
    {
      "name": "q4-2026-optimal-wallet-report.json",
      "format": "json",
      "title": "All tables in one file",
      "description": "Every table above plus the method notes, limitations, license and this data dictionary.",
      "rows": null,
      "columns": []
    }
  ],
  "tables": {
    "card_frequency": [
      {
        "scenario": "cash_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 142,
        "group_profiles": 252,
        "share_pct": 56.3
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "student",
        "wallets": 2,
        "group_profiles": 36,
        "share_pct": 5.6
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
        "wallets": 24,
        "group_profiles": 36,
        "share_pct": 66.7
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "young_family",
        "wallets": 31,
        "group_profiles": 36,
        "share_pct": 86.1
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "suburban_family",
        "wallets": 27,
        "group_profiles": 36,
        "share_pct": 75.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "frequent_traveler",
        "wallets": 29,
        "group_profiles": 36,
        "share_pct": 80.6
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "remote_worker",
        "wallets": 28,
        "group_profiles": 36,
        "share_pct": 77.8
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "retiree",
        "wallets": 1,
        "group_profiles": 36,
        "share_pct": 2.8
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "all",
        "wallets": 94,
        "group_profiles": 252,
        "share_pct": 37.3
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "student",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "urban_renter",
        "wallets": 7,
        "group_profiles": 36,
        "share_pct": 19.4
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "young_family",
        "wallets": 32,
        "group_profiles": 36,
        "share_pct": 88.9
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "suburban_family",
        "wallets": 4,
        "group_profiles": 36,
        "share_pct": 11.1
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "frequent_traveler",
        "wallets": 5,
        "group_profiles": 36,
        "share_pct": 13.9
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "remote_worker",
        "wallets": 23,
        "group_profiles": 36,
        "share_pct": 63.9
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "retiree",
        "wallets": 23,
        "group_profiles": 36,
        "share_pct": 63.9
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 92,
        "group_profiles": 252,
        "share_pct": 36.5
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "student",
        "wallets": 21,
        "group_profiles": 36,
        "share_pct": 58.3
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
        "wallets": 6,
        "group_profiles": 36,
        "share_pct": 16.7
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "young_family",
        "wallets": 5,
        "group_profiles": 36,
        "share_pct": 13.9
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "suburban_family",
        "wallets": 10,
        "group_profiles": 36,
        "share_pct": 27.8
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "frequent_traveler",
        "wallets": 2,
        "group_profiles": 36,
        "share_pct": 5.6
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "remote_worker",
        "wallets": 13,
        "group_profiles": 36,
        "share_pct": 36.1
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "retiree",
        "wallets": 35,
        "group_profiles": 36,
        "share_pct": 97.2
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 56,
        "group_profiles": 252,
        "share_pct": 22.2
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "student",
        "wallets": 17,
        "group_profiles": 36,
        "share_pct": 47.2
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
        "wallets": 10,
        "group_profiles": 36,
        "share_pct": 27.8
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "young_family",
        "wallets": 3,
        "group_profiles": 36,
        "share_pct": 8.3
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "suburban_family",
        "wallets": 22,
        "group_profiles": 36,
        "share_pct": 61.1
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "frequent_traveler",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "remote_worker",
        "wallets": 1,
        "group_profiles": 36,
        "share_pct": 2.8
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "retiree",
        "wallets": 3,
        "group_profiles": 36,
        "share_pct": 8.3
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "all",
        "wallets": 36,
        "group_profiles": 252,
        "share_pct": 14.3
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "student",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "urban_renter",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "young_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "suburban_family",
        "wallets": 0,
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
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        "group_profiles": 36,
        "share_pct": 100.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "remote_worker",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amexbce",
        "card_name": "Amex Blue Cash Everyday",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 33,
        "group_profiles": 252,
        "share_pct": 13.1
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amexbce",
        "card_name": "Amex Blue Cash Everyday",
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        "share_pct": 52.8
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amexbce",
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        "annual_fee_usd": 0.0,
        "group": "urban_renter",
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        "share_pct": 11.1
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amexbce",
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        "annual_fee_usd": 0.0,
        "group": "young_family",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amexbce",
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        "annual_fee_usd": 0.0,
        "group": "suburban_family",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amexbce",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
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        "wallets": 6,
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        "share_pct": 16.7
      },
      {
        "scenario": "cash_2_cards",
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        "share_pct": 11.1
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 16,
        "group_profiles": 252,
        "share_pct": 6.3
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
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        "share_pct": 16.7
      },
      {
        "scenario": "cash_2_cards",
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        "group": "urban_renter",
        "wallets": 10,
        "group_profiles": 36,
        "share_pct": 27.8
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "altitudego",
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        "group": "young_family",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "altitudego",
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        "group": "suburban_family",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "altitudego",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "altitudego",
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        "annual_fee_usd": 0.0,
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "altitudego",
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        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "ihgpremier",
        "card_name": "IHG One Rewards Premier",
        "annual_fee_usd": 150.0,
        "group": "all",
        "wallets": 16,
        "group_profiles": 252,
        "share_pct": 6.3
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "ihgpremier",
        "card_name": "IHG One Rewards Premier",
        "annual_fee_usd": 150.0,
        "group": "student",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "ihgpremier",
        "card_name": "IHG One Rewards Premier",
        "annual_fee_usd": 150.0,
        "group": "urban_renter",
        "wallets": 0,
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
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        "card_name": "IHG One Rewards Premier",
        "annual_fee_usd": 150.0,
        "group": "young_family",
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        "group_profiles": 36,
        "share_pct": 2.8
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "ihgpremier",
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        "group": "suburban_family",
        "wallets": 9,
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        "share_pct": 25.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "ihgpremier",
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        "annual_fee_usd": 150.0,
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "ihgpremier",
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        "annual_fee_usd": 150.0,
        "group": "remote_worker",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "ihgpremier",
        "card_name": "IHG One Rewards Premier",
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        "group": "retiree",
        "wallets": 6,
        "group_profiles": 36,
        "share_pct": 16.7
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 14,
        "group_profiles": 252,
        "share_pct": 5.6
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
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        "group": "student",
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        "group_profiles": 36,
        "share_pct": 8.3
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
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        "wallets": 11,
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        "share_pct": 30.6
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "autograph",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amazonprime",
        "card_name": "Prime Visa",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 3,
        "group_profiles": 252,
        "share_pct": 1.2
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amazonprime",
        "card_name": "Prime Visa",
        "annual_fee_usd": 0.0,
        "group": "student",
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        "group_profiles": 36,
        "share_pct": 5.6
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amazonprime",
        "card_name": "Prime Visa",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amazonprime",
        "card_name": "Prime Visa",
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        "group": "young_family",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amazonprime",
        "card_name": "Prime Visa",
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        "group": "suburban_family",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amazonprime",
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      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amazonprime",
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        "share_pct": 2.8
      },
      {
        "scenario": "cash_2_cards",
        "card_key": "amazonprime",
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        "share_pct": 0.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 252,
        "group_profiles": 252,
        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "student",
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        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
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        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
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        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
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        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
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        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
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        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
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        "wallets": 36,
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        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 249,
        "group_profiles": 252,
        "share_pct": 98.8
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "student",
        "wallets": 34,
        "group_profiles": 36,
        "share_pct": 94.4
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
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        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
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        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "suburban_family",
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        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
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        "group": "frequent_traveler",
        "wallets": 35,
        "group_profiles": 36,
        "share_pct": 97.2
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
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        "wallets": 36,
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        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
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        "wallets": 36,
        "group_profiles": 36,
        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "all",
        "wallets": 182,
        "group_profiles": 252,
        "share_pct": 72.2
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "student",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "urban_renter",
        "wallets": 21,
        "group_profiles": 36,
        "share_pct": 58.3
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "young_family",
        "wallets": 36,
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        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "suburban_family",
        "wallets": 36,
        "group_profiles": 36,
        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "frequent_traveler",
        "wallets": 19,
        "group_profiles": 36,
        "share_pct": 52.8
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "remote_worker",
        "wallets": 35,
        "group_profiles": 36,
        "share_pct": 97.2
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "retiree",
        "wallets": 35,
        "group_profiles": 36,
        "share_pct": 97.2
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 161,
        "group_profiles": 252,
        "share_pct": 63.9
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "student",
        "wallets": 30,
        "group_profiles": 36,
        "share_pct": 83.3
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
        "wallets": 35,
        "group_profiles": 36,
        "share_pct": 97.2
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "young_family",
        "wallets": 15,
        "group_profiles": 36,
        "share_pct": 41.7
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "suburban_family",
        "wallets": 6,
        "group_profiles": 36,
        "share_pct": 16.7
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "frequent_traveler",
        "wallets": 35,
        "group_profiles": 36,
        "share_pct": 97.2
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "remote_worker",
        "wallets": 19,
        "group_profiles": 36,
        "share_pct": 52.8
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "retiree",
        "wallets": 21,
        "group_profiles": 36,
        "share_pct": 58.3
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amazonprime",
        "card_name": "Prime Visa",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 131,
        "group_profiles": 252,
        "share_pct": 52.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amazonprime",
        "card_name": "Prime Visa",
        "annual_fee_usd": 0.0,
        "group": "student",
        "wallets": 30,
        "group_profiles": 36,
        "share_pct": 83.3
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amazonprime",
        "card_name": "Prime Visa",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
        "wallets": 10,
        "group_profiles": 36,
        "share_pct": 27.8
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amazonprime",
        "card_name": "Prime Visa",
        "annual_fee_usd": 0.0,
        "group": "young_family",
        "wallets": 20,
        "group_profiles": 36,
        "share_pct": 55.6
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amazonprime",
        "card_name": "Prime Visa",
        "annual_fee_usd": 0.0,
        "group": "suburban_family",
        "wallets": 9,
        "group_profiles": 36,
        "share_pct": 25.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amazonprime",
        "card_name": "Prime Visa",
        "annual_fee_usd": 0.0,
        "group": "frequent_traveler",
        "wallets": 1,
        "group_profiles": 36,
        "share_pct": 2.8
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amazonprime",
        "card_name": "Prime Visa",
        "annual_fee_usd": 0.0,
        "group": "remote_worker",
        "wallets": 33,
        "group_profiles": 36,
        "share_pct": 91.7
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amazonprime",
        "card_name": "Prime Visa",
        "annual_fee_usd": 0.0,
        "group": "retiree",
        "wallets": 28,
        "group_profiles": 36,
        "share_pct": 77.8
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbce",
        "card_name": "Amex Blue Cash Everyday",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 102,
        "group_profiles": 252,
        "share_pct": 40.5
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbce",
        "card_name": "Amex Blue Cash Everyday",
        "annual_fee_usd": 0.0,
        "group": "student",
        "wallets": 31,
        "group_profiles": 36,
        "share_pct": 86.1
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbce",
        "card_name": "Amex Blue Cash Everyday",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
        "wallets": 12,
        "group_profiles": 36,
        "share_pct": 33.3
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbce",
        "card_name": "Amex Blue Cash Everyday",
        "annual_fee_usd": 0.0,
        "group": "young_family",
        "wallets": 16,
        "group_profiles": 36,
        "share_pct": 44.4
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbce",
        "card_name": "Amex Blue Cash Everyday",
        "annual_fee_usd": 0.0,
        "group": "suburban_family",
        "wallets": 22,
        "group_profiles": 36,
        "share_pct": 61.1
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbce",
        "card_name": "Amex Blue Cash Everyday",
        "annual_fee_usd": 0.0,
        "group": "frequent_traveler",
        "wallets": 15,
        "group_profiles": 36,
        "share_pct": 41.7
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbce",
        "card_name": "Amex Blue Cash Everyday",
        "annual_fee_usd": 0.0,
        "group": "remote_worker",
        "wallets": 5,
        "group_profiles": 36,
        "share_pct": 13.9
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "amexbce",
        "card_name": "Amex Blue Cash Everyday",
        "annual_fee_usd": 0.0,
        "group": "retiree",
        "wallets": 1,
        "group_profiles": 36,
        "share_pct": 2.8
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "costcovisa",
        "card_name": "Costco Anywhere Visa",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 57,
        "group_profiles": 252,
        "share_pct": 22.6
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "costcovisa",
        "card_name": "Costco Anywhere Visa",
        "annual_fee_usd": 0.0,
        "group": "student",
        "wallets": 3,
        "group_profiles": 36,
        "share_pct": 8.3
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "costcovisa",
        "card_name": "Costco Anywhere Visa",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
        "wallets": 1,
        "group_profiles": 36,
        "share_pct": 2.8
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "costcovisa",
        "card_name": "Costco Anywhere Visa",
        "annual_fee_usd": 0.0,
        "group": "young_family",
        "wallets": 8,
        "group_profiles": 36,
        "share_pct": 22.2
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "costcovisa",
        "card_name": "Costco Anywhere Visa",
        "annual_fee_usd": 0.0,
        "group": "suburban_family",
        "wallets": 22,
        "group_profiles": 36,
        "share_pct": 61.1
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "costcovisa",
        "card_name": "Costco Anywhere Visa",
        "annual_fee_usd": 0.0,
        "group": "frequent_traveler",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "costcovisa",
        "card_name": "Costco Anywhere Visa",
        "annual_fee_usd": 0.0,
        "group": "remote_worker",
        "wallets": 7,
        "group_profiles": 36,
        "share_pct": 19.4
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "costcovisa",
        "card_name": "Costco Anywhere Visa",
        "annual_fee_usd": 0.0,
        "group": "retiree",
        "wallets": 16,
        "group_profiles": 36,
        "share_pct": 44.4
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 45,
        "group_profiles": 252,
        "share_pct": 17.9
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "student",
        "wallets": 13,
        "group_profiles": 36,
        "share_pct": 36.1
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
        "wallets": 3,
        "group_profiles": 36,
        "share_pct": 8.3
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "young_family",
        "wallets": 13,
        "group_profiles": 36,
        "share_pct": 36.1
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "suburban_family",
        "wallets": 13,
        "group_profiles": 36,
        "share_pct": 36.1
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "frequent_traveler",
        "wallets": 2,
        "group_profiles": 36,
        "share_pct": 5.6
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "remote_worker",
        "wallets": 1,
        "group_profiles": 36,
        "share_pct": 2.8
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "savor",
        "card_name": "Capital One Savor",
        "annual_fee_usd": 0.0,
        "group": "retiree",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "all",
        "wallets": 36,
        "group_profiles": 252,
        "share_pct": 14.3
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "student",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "urban_renter",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "young_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "suburban_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "frequent_traveler",
        "wallets": 36,
        "group_profiles": 36,
        "share_pct": 100.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "remote_worker",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "retiree",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 26,
        "group_profiles": 252,
        "share_pct": 10.3
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "student",
        "wallets": 3,
        "group_profiles": 36,
        "share_pct": 8.3
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
        "wallets": 16,
        "group_profiles": 36,
        "share_pct": 44.4
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "young_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "suburban_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "frequent_traveler",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "remote_worker",
        "wallets": 5,
        "group_profiles": 36,
        "share_pct": 13.9
      },
      {
        "scenario": "cash_5_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "retiree",
        "wallets": 2,
        "group_profiles": 36,
        "share_pct": 5.6
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "venx",
        "card_name": "Capital One Venture X",
        "annual_fee_usd": 395.0,
        "group": "all",
        "wallets": 176,
        "group_profiles": 252,
        "share_pct": 69.8
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "venx",
        "card_name": "Capital One Venture X",
        "annual_fee_usd": 395.0,
        "group": "student",
        "wallets": 36,
        "group_profiles": 36,
        "share_pct": 100.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "venx",
        "card_name": "Capital One Venture X",
        "annual_fee_usd": 395.0,
        "group": "urban_renter",
        "wallets": 29,
        "group_profiles": 36,
        "share_pct": 80.6
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "venx",
        "card_name": "Capital One Venture X",
        "annual_fee_usd": 395.0,
        "group": "young_family",
        "wallets": 28,
        "group_profiles": 36,
        "share_pct": 77.8
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "venx",
        "card_name": "Capital One Venture X",
        "annual_fee_usd": 395.0,
        "group": "suburban_family",
        "wallets": 8,
        "group_profiles": 36,
        "share_pct": 22.2
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "venx",
        "card_name": "Capital One Venture X",
        "annual_fee_usd": 395.0,
        "group": "frequent_traveler",
        "wallets": 24,
        "group_profiles": 36,
        "share_pct": 66.7
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "venx",
        "card_name": "Capital One Venture X",
        "annual_fee_usd": 395.0,
        "group": "remote_worker",
        "wallets": 20,
        "group_profiles": 36,
        "share_pct": 55.6
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "venx",
        "card_name": "Capital One Venture X",
        "annual_fee_usd": 395.0,
        "group": "retiree",
        "wallets": 31,
        "group_profiles": 36,
        "share_pct": 86.1
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexgold",
        "card_name": "Amex Gold",
        "annual_fee_usd": 325.0,
        "group": "all",
        "wallets": 93,
        "group_profiles": 252,
        "share_pct": 36.9
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexgold",
        "card_name": "Amex Gold",
        "annual_fee_usd": 325.0,
        "group": "student",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexgold",
        "card_name": "Amex Gold",
        "annual_fee_usd": 325.0,
        "group": "urban_renter",
        "wallets": 24,
        "group_profiles": 36,
        "share_pct": 66.7
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexgold",
        "card_name": "Amex Gold",
        "annual_fee_usd": 325.0,
        "group": "young_family",
        "wallets": 28,
        "group_profiles": 36,
        "share_pct": 77.8
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexgold",
        "card_name": "Amex Gold",
        "annual_fee_usd": 325.0,
        "group": "suburban_family",
        "wallets": 34,
        "group_profiles": 36,
        "share_pct": 94.4
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexgold",
        "card_name": "Amex Gold",
        "annual_fee_usd": 325.0,
        "group": "frequent_traveler",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexgold",
        "card_name": "Amex Gold",
        "annual_fee_usd": 325.0,
        "group": "remote_worker",
        "wallets": 7,
        "group_profiles": 36,
        "share_pct": 19.4
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexgold",
        "card_name": "Amex Gold",
        "annual_fee_usd": 325.0,
        "group": "retiree",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 58,
        "group_profiles": 252,
        "share_pct": 23.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "student",
        "wallets": 26,
        "group_profiles": 36,
        "share_pct": 72.2
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
        "wallets": 3,
        "group_profiles": 36,
        "share_pct": 8.3
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "young_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "suburban_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "frequent_traveler",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "remote_worker",
        "wallets": 7,
        "group_profiles": 36,
        "share_pct": 19.4
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "usbcashplus",
        "card_name": "US Bank Cash+",
        "annual_fee_usd": 0.0,
        "group": "retiree",
        "wallets": 22,
        "group_profiles": 36,
        "share_pct": 61.1
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "strata",
        "card_name": "Citi Strata Premier",
        "annual_fee_usd": 95.0,
        "group": "all",
        "wallets": 50,
        "group_profiles": 252,
        "share_pct": 19.8
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "strata",
        "card_name": "Citi Strata Premier",
        "annual_fee_usd": 95.0,
        "group": "student",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "strata",
        "card_name": "Citi Strata Premier",
        "annual_fee_usd": 95.0,
        "group": "urban_renter",
        "wallets": 7,
        "group_profiles": 36,
        "share_pct": 19.4
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "strata",
        "card_name": "Citi Strata Premier",
        "annual_fee_usd": 95.0,
        "group": "young_family",
        "wallets": 8,
        "group_profiles": 36,
        "share_pct": 22.2
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "strata",
        "card_name": "Citi Strata Premier",
        "annual_fee_usd": 95.0,
        "group": "suburban_family",
        "wallets": 2,
        "group_profiles": 36,
        "share_pct": 5.6
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "strata",
        "card_name": "Citi Strata Premier",
        "annual_fee_usd": 95.0,
        "group": "frequent_traveler",
        "wallets": 12,
        "group_profiles": 36,
        "share_pct": 33.3
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "strata",
        "card_name": "Citi Strata Premier",
        "annual_fee_usd": 95.0,
        "group": "remote_worker",
        "wallets": 16,
        "group_profiles": 36,
        "share_pct": 44.4
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "strata",
        "card_name": "Citi Strata Premier",
        "annual_fee_usd": 95.0,
        "group": "retiree",
        "wallets": 5,
        "group_profiles": 36,
        "share_pct": 13.9
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 48,
        "group_profiles": 252,
        "share_pct": 19.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "student",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
        "wallets": 7,
        "group_profiles": 36,
        "share_pct": 19.4
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "young_family",
        "wallets": 8,
        "group_profiles": 36,
        "share_pct": 22.2
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "suburban_family",
        "wallets": 2,
        "group_profiles": 36,
        "share_pct": 5.6
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "frequent_traveler",
        "wallets": 12,
        "group_profiles": 36,
        "share_pct": 33.3
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "remote_worker",
        "wallets": 16,
        "group_profiles": 36,
        "share_pct": 44.4
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "doublecash",
        "card_name": "Citi Double Cash",
        "annual_fee_usd": 0.0,
        "group": "retiree",
        "wallets": 3,
        "group_profiles": 36,
        "share_pct": 8.3
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "biltpalladium",
        "card_name": "Bilt Palladium",
        "annual_fee_usd": 495.0,
        "group": "all",
        "wallets": 26,
        "group_profiles": 252,
        "share_pct": 10.3
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "biltpalladium",
        "card_name": "Bilt Palladium",
        "annual_fee_usd": 495.0,
        "group": "student",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "biltpalladium",
        "card_name": "Bilt Palladium",
        "annual_fee_usd": 495.0,
        "group": "urban_renter",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "biltpalladium",
        "card_name": "Bilt Palladium",
        "annual_fee_usd": 495.0,
        "group": "young_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "biltpalladium",
        "card_name": "Bilt Palladium",
        "annual_fee_usd": 495.0,
        "group": "suburban_family",
        "wallets": 26,
        "group_profiles": 36,
        "share_pct": 72.2
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "biltpalladium",
        "card_name": "Bilt Palladium",
        "annual_fee_usd": 495.0,
        "group": "frequent_traveler",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "biltpalladium",
        "card_name": "Bilt Palladium",
        "annual_fee_usd": 495.0,
        "group": "remote_worker",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "biltpalladium",
        "card_name": "Bilt Palladium",
        "annual_fee_usd": 495.0,
        "group": "retiree",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "all",
        "wallets": 24,
        "group_profiles": 252,
        "share_pct": 9.5
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "student",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "urban_renter",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "young_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "suburban_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "frequent_traveler",
        "wallets": 24,
        "group_profiles": 36,
        "share_pct": 66.7
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "remote_worker",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "group": "retiree",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "all",
        "wallets": 17,
        "group_profiles": 252,
        "share_pct": 6.7
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "student",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "urban_renter",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "young_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "suburban_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "frequent_traveler",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "remote_worker",
        "wallets": 6,
        "group_profiles": 36,
        "share_pct": 16.7
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "group": "retiree",
        "wallets": 11,
        "group_profiles": 36,
        "share_pct": 30.6
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 6,
        "group_profiles": 252,
        "share_pct": 2.4
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "student",
        "wallets": 5,
        "group_profiles": 36,
        "share_pct": 13.9
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
        "wallets": 1,
        "group_profiles": 36,
        "share_pct": 2.8
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "young_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "suburban_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "frequent_traveler",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "remote_worker",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "autograph",
        "card_name": "Wells Fargo Autograph",
        "annual_fee_usd": 0.0,
        "group": "retiree",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "all",
        "wallets": 3,
        "group_profiles": 252,
        "share_pct": 1.2
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "student",
        "wallets": 2,
        "group_profiles": 36,
        "share_pct": 5.6
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "urban_renter",
        "wallets": 1,
        "group_profiles": 36,
        "share_pct": 2.8
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "young_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "suburban_family",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "frequent_traveler",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "remote_worker",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      },
      {
        "scenario": "travel_2_cards",
        "card_key": "altitudego",
        "card_name": "US Bank Altitude Go",
        "annual_fee_usd": 0.0,
        "group": "retiree",
        "wallets": 0,
        "group_profiles": 36,
        "share_pct": 0.0
      }
    ],
    "top_wallets": [
      {
        "scenario": "cash_2_cards",
        "rank": 1,
        "card_1_key": "amexbcp",
        "card_1_name": "Amex Blue Cash Preferred",
        "card_2_key": "doublecash",
        "card_2_name": "Citi Double Cash",
        "wallets": 63,
        "share_pct": 25.0
      },
      {
        "scenario": "cash_2_cards",
        "rank": 2,
        "card_1_key": "doublecash",
        "card_1_name": "Citi Double Cash",
        "card_2_key": "savor",
        "card_2_name": "Capital One Savor",
        "wallets": 31,
        "share_pct": 12.3
      },
      {
        "scenario": "cash_2_cards",
        "rank": 3,
        "card_1_key": "autographjourney",
        "card_1_name": "Wells Fargo Autograph Journey",
        "card_2_key": "doublecash",
        "card_2_name": "Citi Double Cash",
        "wallets": 29,
        "share_pct": 11.5
      },
      {
        "scenario": "cash_2_cards",
        "rank": 4,
        "card_1_key": "amexbcp",
        "card_1_name": "Amex Blue Cash Preferred",
        "card_2_key": "usbcashplus",
        "card_2_name": "US Bank Cash+",
        "wallets": 23,
        "share_pct": 9.1
      },
      {
        "scenario": "cash_2_cards",
        "rank": 5,
        "card_1_key": "savor",
        "card_1_name": "Capital One Savor",
        "card_2_key": "usbcashplus",
        "card_2_name": "US Bank Cash+",
        "wallets": 21,
        "share_pct": 8.3
      },
      {
        "scenario": "cash_2_cards",
        "rank": 6,
        "card_1_key": "amexbce",
        "card_1_name": "Amex Blue Cash Everyday",
        "card_2_key": "usbcashplus",
        "card_2_name": "US Bank Cash+",
        "wallets": 19,
        "share_pct": 7.5
      },
      {
        "scenario": "cash_2_cards",
        "rank": 7,
        "card_1_key": "ihgpremier",
        "card_1_name": "IHG One Rewards Premier",
        "card_2_key": "usbcashplus",
        "card_2_name": "US Bank Cash+",
        "wallets": 16,
        "share_pct": 6.3
      },
      {
        "scenario": "cash_2_cards",
        "rank": 8,
        "card_1_key": "altitudego",
        "card_1_name": "US Bank Altitude Go",
        "card_2_key": "doublecash",
        "card_2_name": "Citi Double Cash",
        "wallets": 9,
        "share_pct": 3.6
      },
      {
        "scenario": "cash_2_cards",
        "rank": 9,
        "card_1_key": "amexbce",
        "card_1_name": "Amex Blue Cash Everyday",
        "card_2_key": "autograph",
        "card_2_name": "Wells Fargo Autograph",
        "wallets": 7,
        "share_pct": 2.8
      },
      {
        "scenario": "cash_2_cards",
        "rank": 10,
        "card_1_key": "doublecash",
        "card_1_name": "Citi Double Cash",
        "card_2_key": "usbcashplus",
        "card_2_name": "US Bank Cash+",
        "wallets": 7,
        "share_pct": 2.8
      }
    ],
    "archetypes": [
      {
        "archetype": "student",
        "label": "Student",
        "description": "Single student, low spend, no rent on a card, little travel.",
        "profiles": 36,
        "median_monthly_spend_excl_rent_usd": 715.0,
        "min_monthly_spend_excl_rent_usd": 545.0,
        "max_monthly_spend_excl_rent_usd": 1030.0,
        "median_monthly_rent_usd": null
      },
      {
        "archetype": "urban_renter",
        "label": "Urban renter",
        "description": "Single professional in a city: high dining and transit, pays rent, some travel.",
        "profiles": 36,
        "median_monthly_spend_excl_rent_usd": 2202.5,
        "min_monthly_spend_excl_rent_usd": 1625.0,
        "max_monthly_spend_excl_rent_usd": 2765.0,
        "median_monthly_rent_usd": 2082.5
      },
      {
        "archetype": "young_family",
        "label": "Young family",
        "description": "Two adults with young children: grocery- and gas-heavy, light travel.",
        "profiles": 36,
        "median_monthly_spend_excl_rent_usd": 3260.0,
        "min_monthly_spend_excl_rent_usd": 2715.0,
        "max_monthly_spend_excl_rent_usd": 3770.0,
        "median_monthly_rent_usd": null
      },
      {
        "archetype": "suburban_family",
        "label": "Suburban family",
        "description": "Established household with older children: the highest everyday spend, regular trips.",
        "profiles": 36,
        "median_monthly_spend_excl_rent_usd": 5167.5,
        "min_monthly_spend_excl_rent_usd": 4525.0,
        "max_monthly_spend_excl_rent_usd": 5880.0,
        "median_monthly_rent_usd": null
      },
      {
        "archetype": "frequent_traveler",
        "label": "Frequent traveler",
        "description": "Flights and hotels booked directly every month, high dining.",
        "profiles": 36,
        "median_monthly_spend_excl_rent_usd": 3920.0,
        "min_monthly_spend_excl_rent_usd": 2880.0,
        "max_monthly_spend_excl_rent_usd": 4450.0,
        "median_monthly_rent_usd": null
      },
      {
        "archetype": "remote_worker",
        "label": "Remote worker",
        "description": "Works from home: online shopping, internet and utilities above average, little commuting.",
        "profiles": 36,
        "median_monthly_spend_excl_rent_usd": 2640.0,
        "min_monthly_spend_excl_rent_usd": 2085.0,
        "max_monthly_spend_excl_rent_usd": 3305.0,
        "median_monthly_rent_usd": null
      },
      {
        "archetype": "retiree",
        "label": "Retiree / low spend",
        "description": "Retired couple or single: modest groceries and utilities, occasional trips.",
        "profiles": 36,
        "median_monthly_spend_excl_rent_usd": 1635.0,
        "min_monthly_spend_excl_rent_usd": 1185.0,
        "max_monthly_spend_excl_rent_usd": 2010.0,
        "median_monthly_rent_usd": null
      },
      {
        "archetype": "all",
        "label": "All archetypes",
        "description": "",
        "profiles": 252,
        "median_monthly_spend_excl_rent_usd": 2657.5,
        "min_monthly_spend_excl_rent_usd": 545.0,
        "max_monthly_spend_excl_rent_usd": 5880.0,
        "median_monthly_rent_usd": null
      }
    ],
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        "archetype": "remote_worker",
        "spend_category": "groceries_instore",
        "monthly_low_usd": 300,
        "monthly_high_usd": 550,
        "probability_present": 1.0
      },
      {
        "archetype": "remote_worker",
        "spend_category": "groceries_online",
        "monthly_low_usd": 60,
        "monthly_high_usd": 250,
        "probability_present": 0.7
      },
      {
        "archetype": "remote_worker",
        "spend_category": "wholesale",
        "monthly_low_usd": 50,
        "monthly_high_usd": 200,
        "probability_present": 0.4
      },
      {
        "archetype": "remote_worker",
        "spend_category": "gas",
        "monthly_low_usd": 30,
        "monthly_high_usd": 120,
        "probability_present": 1.0
      },
      {
        "archetype": "remote_worker",
        "spend_category": "travel_flights",
        "monthly_low_usd": 50,
        "monthly_high_usd": 250,
        "probability_present": 0.5
      },
      {
        "archetype": "remote_worker",
        "spend_category": "travel_hotels",
        "monthly_low_usd": 50,
        "monthly_high_usd": 200,
        "probability_present": 0.5
      },
      {
        "archetype": "remote_worker",
        "spend_category": "utilities",
        "monthly_low_usd": 150,
        "monthly_high_usd": 300,
        "probability_present": 1.0
      },
      {
        "archetype": "remote_worker",
        "spend_category": "internetPhone",
        "monthly_low_usd": 70,
        "monthly_high_usd": 150,
        "probability_present": 1.0
      },
      {
        "archetype": "remote_worker",
        "spend_category": "cell_phone",
        "monthly_low_usd": 50,
        "monthly_high_usd": 100,
        "probability_present": 1.0
      },
      {
        "archetype": "remote_worker",
        "spend_category": "streaming",
        "monthly_low_usd": 40,
        "monthly_high_usd": 100,
        "probability_present": 1.0
      },
      {
        "archetype": "remote_worker",
        "spend_category": "onlineRetail",
        "monthly_low_usd": 150,
        "monthly_high_usd": 400,
        "probability_present": 1.0
      },
      {
        "archetype": "remote_worker",
        "spend_category": "amazon",
        "monthly_low_usd": 150,
        "monthly_high_usd": 400,
        "probability_present": 1.0
      },
      {
        "archetype": "remote_worker",
        "spend_category": "entertainment",
        "monthly_low_usd": 30,
        "monthly_high_usd": 120,
        "probability_present": 1.0
      },
      {
        "archetype": "remote_worker",
        "spend_category": "other",
        "monthly_low_usd": 300,
        "monthly_high_usd": 700,
        "probability_present": 1.0
      },
      {
        "archetype": "retiree",
        "spend_category": "dining",
        "monthly_low_usd": 80,
        "monthly_high_usd": 250,
        "probability_present": 1.0
      },
      {
        "archetype": "retiree",
        "spend_category": "fast_food",
        "monthly_low_usd": 10,
        "monthly_high_usd": 50,
        "probability_present": 0.6
      },
      {
        "archetype": "retiree",
        "spend_category": "groceries_instore",
        "monthly_low_usd": 250,
        "monthly_high_usd": 500,
        "probability_present": 1.0
      },
      {
        "archetype": "retiree",
        "spend_category": "wholesale",
        "monthly_low_usd": 40,
        "monthly_high_usd": 150,
        "probability_present": 0.4
      },
      {
        "archetype": "retiree",
        "spend_category": "gas",
        "monthly_low_usd": 60,
        "monthly_high_usd": 150,
        "probability_present": 1.0
      },
      {
        "archetype": "retiree",
        "spend_category": "travel_flights",
        "monthly_low_usd": 50,
        "monthly_high_usd": 250,
        "probability_present": 0.4
      },
      {
        "archetype": "retiree",
        "spend_category": "travel_hotels",
        "monthly_low_usd": 50,
        "monthly_high_usd": 200,
        "probability_present": 0.4
      },
      {
        "archetype": "retiree",
        "spend_category": "utilities",
        "monthly_low_usd": 150,
        "monthly_high_usd": 280,
        "probability_present": 1.0
      },
      {
        "archetype": "retiree",
        "spend_category": "internetPhone",
        "monthly_low_usd": 60,
        "monthly_high_usd": 110,
        "probability_present": 1.0
      },
      {
        "archetype": "retiree",
        "spend_category": "cell_phone",
        "monthly_low_usd": 40,
        "monthly_high_usd": 90,
        "probability_present": 1.0
      },
      {
        "archetype": "retiree",
        "spend_category": "streaming",
        "monthly_low_usd": 10,
        "monthly_high_usd": 40,
        "probability_present": 1.0
      },
      {
        "archetype": "retiree",
        "spend_category": "onlineRetail",
        "monthly_low_usd": 20,
        "monthly_high_usd": 100,
        "probability_present": 1.0
      },
      {
        "archetype": "retiree",
        "spend_category": "amazon",
        "monthly_low_usd": 30,
        "monthly_high_usd": 120,
        "probability_present": 1.0
      },
      {
        "archetype": "retiree",
        "spend_category": "entertainment",
        "monthly_low_usd": 20,
        "monthly_high_usd": 80,
        "probability_present": 1.0
      },
      {
        "archetype": "retiree",
        "spend_category": "other",
        "monthly_low_usd": 150,
        "monthly_high_usd": 400,
        "probability_present": 1.0
      }
    ],
    "card_removal_tests": [
      {
        "test": "credits_valued_at_zero",
        "scenario": "cash_2_cards",
        "card_key": "ihgpremier",
        "card_name": "IHG One Rewards Premier",
        "annual_fee_usd": 150.0,
        "wallets_tested": 16,
        "wallets_still_selected": 0,
        "median_value_lost_usd": 10.2,
        "max_value_lost_usd": null,
        "replacement_cards": "Citi Double Cash (10); Capital One Savor (6); Wells Fargo Autograph (2); Costco Anywhere Visa (2); Amex Blue Cash Everyday (1); Amex Blue Cash Preferred (1)"
      },
      {
        "test": "credits_valued_at_zero",
        "scenario": "travel_2_cards",
        "card_key": "venx",
        "card_name": "Capital One Venture X",
        "annual_fee_usd": 395.0,
        "wallets_tested": 176,
        "wallets_still_selected": 0,
        "median_value_lost_usd": 23.61,
        "max_value_lost_usd": null,
        "replacement_cards": "Citi Strata Premier (112); Citi Double Cash (109); Amex Blue Cash Everyday (32); Wells Fargo Autograph (18); Capital One Venture (11); Bilt Palladium (8); US Bank Cash+ (7); Capital One Savor (5); US Bank Altitude Go (2); Amex Blue Cash Preferred (2); Amex Gold (2)"
      },
      {
        "test": "credits_valued_at_zero",
        "scenario": "travel_2_cards",
        "card_key": "amexgold",
        "card_name": "Amex Gold",
        "annual_fee_usd": 325.0,
        "wallets_tested": 93,
        "wallets_still_selected": 0,
        "median_value_lost_usd": 26.58,
        "max_value_lost_usd": null,
        "replacement_cards": "Citi Double Cash (88); Citi Strata Premier (88); Amex Blue Cash Preferred (2); US Bank Cash+ (2); Wells Fargo Autograph (1)"
      },
      {
        "test": "credits_valued_at_zero",
        "scenario": "travel_2_cards",
        "card_key": "biltpalladium",
        "card_name": "Bilt Palladium",
        "annual_fee_usd": 495.0,
        "wallets_tested": 26,
        "wallets_still_selected": 0,
        "median_value_lost_usd": 19.97,
        "max_value_lost_usd": null,
        "replacement_cards": "Capital One Venture X (23); Citi Double Cash (3); Citi Strata Premier (3)"
      },
      {
        "test": "card_excluded",
        "scenario": "cash_2_cards",
        "card_key": "amexbcp",
        "card_name": "Amex Blue Cash Preferred",
        "annual_fee_usd": 95.0,
        "wallets_tested": 94,
        "wallets_still_selected": null,
        "median_value_lost_usd": 24.4,
        "max_value_lost_usd": 70.0,
        "replacement_cards": "US Bank Cash+ (38); Amex Blue Cash Everyday (25); Capital One Savor (20); IHG One Rewards Premier (15); Citi Double Cash (6); Prime Visa (3); Wells Fargo Autograph (3); Costco Anywhere Visa (1); Hilton Honors Amex (1)"
      },
      {
        "test": "card_excluded",
        "scenario": "cash_2_cards",
        "card_key": "autographjourney",
        "card_name": "Wells Fargo Autograph Journey",
        "annual_fee_usd": 95.0,
        "wallets_tested": 36,
        "wallets_still_selected": null,
        "median_value_lost_usd": 120.4,
        "max_value_lost_usd": 215.2,
        "replacement_cards": "Wells Fargo Autograph (36); US Bank Cash+ (6); Citi Double Cash (2)"
      },
      {
        "test": "card_excluded",
        "scenario": "cash_2_cards",
        "card_key": "ihgpremier",
        "card_name": "IHG One Rewards Premier",
        "annual_fee_usd": 150.0,
        "wallets_tested": 16,
        "wallets_still_selected": null,
        "median_value_lost_usd": 10.2,
        "max_value_lost_usd": 29.4,
        "replacement_cards": "Citi Double Cash (10); Capital One Savor (6); Wells Fargo Autograph (2); Costco Anywhere Visa (2); Amex Blue Cash Everyday (1); Amex Blue Cash Preferred (1)"
      }
    ]
  }
}