{
  "title": "Credit Memo: Amazon.com, Inc.",
  "date": "2026-02-13",
  "recommendation": "APPROVE",
  "executive_summary": "Borrower meets all standard covenants. Strong financial position.",
  "financial_highlights": {
    "Revenue": 574785,
    "EBITDA": 85515,
    "Total Debt": 58316,
    "Cash": 73890,
    "Net Debt": -15574
  },
  "growth_analysis": {
    "Revenue CAGR (3Y)": 10.6,
    "EBITDA CAGR (3Y)": 20.2,
    "Revenue YoY": 11.8,
    "EBITDA YoY": 57.9
  },
  "covenant_analysis": {
    "leverage_test": "PASS",
    "coverage_test": "PASS"
  }
}