{
  "usher_policy": "0.1",
  "origin": "https://quote.example",
  "default": {
    "agent_lane": true,
    "actions": { "form.submit": "confirm" },
    "rate_limits": [{ "action": "form.submit", "per": "agent", "max": 5, "window": "hour" }]
  },
  "forms": [
    { "match": { "path": "/quote/*" }, "actions": { "consent.marketing": "forbid" } },
    { "match": { "path": "/account/**" }, "agent_lane": false }
  ],
  "agents": { "allow": "*", "block": [] },
  "retention": { "session_days": 30 }
}