{
  "tools": [
    {
      "name": "credit-utilization-optimizer",
      "input_schema": {
        "credit_limit": "number",
        "current_balance": "number",
        "projected_payment": "number?"
      },
      "output_schema": {
        "utilization_ratio": "number",
        "score_impact_estimate": "number",
        "recommendations": "string[]"
      }
    },
    {
      "name": "credit-ratio-simulator",
      "input_schema": {
        "accounts": "Account[]"
      },
      "output_schema": {
        "projected_ratios": "number[]"
      }
    },
    {
      "name": "score-impact-estimator",
      "input_schema": {
        "utilization_ratio": "number"
      },
      "output_schema": {
        "score_range_effect": "string"
      }
    }
  ]
}