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specs/openspec/schemas/wealth-ledger-sdd/templates/design.md
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## Context
<!-- Current state and constraints that shape the approach. See proposal.md for motivation - don't restate it -->
## Goals / Non-Goals
**Goals:**
<!-- What this design aims to achieve -->
**Non-Goals:**
<!-- What is explicitly out of scope -->
## Decisions
<!-- Key design decisions with rationale and alternatives considered -->
## Delivery Map
| Area | Status | Architectural outcome or N/A reason |
| --- | --- | --- |
| frontend | `affected` or `N/A` | <!-- concrete result or reason --> |
| backend | `affected` or `N/A` | <!-- concrete result or reason --> |
| specs | `affected` | <!-- normative result --> |
| docs | `affected` or `N/A` | <!-- as-built documentation result or reason --> |
### Contract Gate Decision
| Gate | Status | Reason |
| --- | --- | --- |
| runtime-openapi | `required` or `N/A` | <!-- required only when both API contract sides change; otherwise concrete N/A reason --> |
## Solution Assessment
<!-- Include only when the change crosses a mandatory build-vs-buy trigger.
Compare mature options and custom implementation; otherwise remove section. -->
## Risks / Trade-offs
<!-- Known risks and trade-offs -->
## Migration Plan
<!-- Delivery order and rollback, when applicable -->
### Rollback Contract
| Field | Decision |
| --- | --- |
| Status | `required` or `N/A` |
| Reason | <!-- concrete reason when N/A --> |
| Trigger | <!-- required when Status is required --> |
| Actions | <!-- required when Status is required --> |
| Data safety | <!-- required when Status is required --> |
| Verification | <!-- required when Status is required --> |
## Open Questions
<!-- Only questions that cannot change Specs, approach or Tasks; otherwise
resolve with the Change Owner before saving Design. Remove if empty. -->