{
  "id": "southeast-toyota-finance",
  "version": "1.0.0",
  "name": "Southeast Toyota Finance",
  "description": "Southeast Toyota Finance (SETF), a JM Family Enterprises company, provides financing, leasing, and account management services for Toyota vehicle customers across the southeastern United States. Tagline: \"We're driven to help you.\" SETF maintains a public brand portal (setfbranding.com) that publishes the canonical palette (Toyota Red primary + an 8-step supporting gray scale, each carrying its Pantone equivalent), the licensed type pair (Toyota Type primary, Helvetica Neue secondary), and usage rules for the wordmark. SETF is the most fully verified of the JMFE- family brand specs.\n",
  "provenance": {
    "source": "https://www.setfbranding.com/",
    "license": "Proprietary — All Rights Reserved",
    "attribution": "Southeast Toyota Finance — a JM Family Enterprises company. The Toyota trademark and red color belong to Toyota Motor Corporation, used by SETF under partnership with Toyota Financial Services. Palette and typography transcribed verbatim from the SETF Brand Portal at setfbranding.com/colors.html, /fonts.html, and /brand-identity.html. Logo and supplementary assets live in the gated Widen Collective portal hosted by JMFE.\n",
    "importedDate": "2026-05-19",
    "importedFromVersion": "setfbranding.com — as served 2026-05-17",
    "notes": "1.0.0 audit upgrade of southeast-toyota-finance@0.1.0 — preserves the SETF portal-derived palette and the licensed Toyota Type + Helvetica Neue pairing, adds identity / on-identity roles for the SETF Porcelain canvas, and expands the rules block from 3 to 7 typed entries grounded in the setfbranding.com guide. The 0.1.0 spec remains historical.\n"
  },
  "tags": [
    "finance",
    "automotive",
    "jmfe",
    "setf",
    "toyota-aligned",
    "red",
    "light-first"
  ],
  "palette": {
    "ref": "southeast-toyota-finance@1.0.0",
    "swatches": [
      {
        "id": "toyota-red",
        "name": "Toyota Red",
        "value": "#EB0A1E",
        "description": "SETF primary — Pantone 186C, CMYK 0/100/90/0.",
        "aliases": []
      },
      {
        "id": "setf-porcelain",
        "name": "SETF Porcelain (Supporting 1)",
        "value": "#EDF0F5",
        "description": "Lightest supporting gray — page surfaces and quiet panels. Pantone 656C.",
        "aliases": []
      },
      {
        "id": "setf-fog",
        "name": "SETF Fog (Supporting 2)",
        "value": "#E1E8EE",
        "description": "Subtle background tint — alt rows, hover surfaces. Pantone 649C.",
        "aliases": []
      },
      {
        "id": "setf-mist",
        "name": "SETF Mist (Supporting 3)",
        "value": "#C1C9D6",
        "description": "Borders and dividers. Pantone 638C.",
        "aliases": []
      },
      {
        "id": "setf-pewter",
        "name": "SETF Pewter (Supporting 4)",
        "value": "#A6B4BE",
        "description": "Iconography and disabled controls. Pantone 2176C.",
        "aliases": []
      },
      {
        "id": "setf-steel",
        "name": "SETF Steel (Supporting 5)",
        "value": "#86939E",
        "description": "Tertiary text. Pantone 2163C.",
        "aliases": []
      },
      {
        "id": "setf-slate",
        "name": "SETF Slate (Supporting 6)",
        "value": "#626E79",
        "description": "Secondary text. Pantone 431C.",
        "aliases": []
      },
      {
        "id": "setf-graphite",
        "name": "SETF Graphite (Supporting 7)",
        "value": "#58595B",
        "description": "Headlines and emphasized text. Pantone Black 80%.",
        "aliases": []
      },
      {
        "id": "setf-onyx",
        "name": "SETF Onyx (Supporting 8)",
        "value": "#38393B",
        "description": "Primary body text — softer than pure black per brand guide.",
        "aliases": []
      }
    ],
    "modes": {
      "light": {
        "roles": {
          "background": "setf-porcelain",
          "surface": "setf-fog",
          "surface-elevated": "setf-mist",
          "text-primary": "setf-onyx",
          "text-secondary": "setf-slate",
          "text-tertiary": "setf-steel",
          "primary": "toyota-red",
          "primary-hover": "toyota-red",
          "accent": "toyota-red",
          "success": "setf-slate",
          "warning": "toyota-red",
          "error": "toyota-red",
          "info": "setf-slate"
        }
      },
      "dark": {
        "roles": {
          "background": "setf-onyx",
          "surface": "setf-graphite",
          "surface-elevated": "setf-slate",
          "text-primary": "setf-porcelain",
          "text-secondary": "setf-fog",
          "text-tertiary": "setf-mist",
          "primary": "toyota-red",
          "primary-hover": "toyota-red",
          "accent": "toyota-red",
          "success": "setf-fog",
          "warning": "toyota-red",
          "error": "toyota-red",
          "info": "setf-mist"
        }
      }
    }
  },
  "fonts": [
    {
      "role": "heading",
      "ref": "toyota-type@1.0.0",
      "family": "ToyotaType",
      "classification": "sans-serif",
      "source": {
        "kind": "external",
        "family": "ToyotaType",
        "notes": "Licensed font; no public CDN. Distributed by Toyota Motor Corporation to authorized vendors. CSS @font-face declaration must reference internally hosted files.\n"
      },
      "fallbackStack": [
        "Helvetica Neue",
        "Helvetica",
        "-apple-system",
        "BlinkMacSystemFont",
        "Segoe UI",
        "Arial",
        "sans-serif"
      ],
      "availableStyles": [
        {
          "weight": 400,
          "style": "normal"
        },
        {
          "weight": 600,
          "style": "normal"
        }
      ]
    },
    {
      "role": "body",
      "ref": "toyota-type@1.0.0",
      "family": "ToyotaType",
      "classification": "sans-serif",
      "source": {
        "kind": "external",
        "family": "ToyotaType",
        "notes": "Licensed font; no public CDN. Distributed by Toyota Motor Corporation to authorized vendors. CSS @font-face declaration must reference internally hosted files.\n"
      },
      "fallbackStack": [
        "Helvetica Neue",
        "Helvetica",
        "-apple-system",
        "BlinkMacSystemFont",
        "Segoe UI",
        "Arial",
        "sans-serif"
      ],
      "availableStyles": [
        {
          "weight": 400,
          "style": "normal"
        },
        {
          "weight": 600,
          "style": "normal"
        }
      ]
    },
    {
      "role": "secondary",
      "ref": "helvetica-neue@1.0.0",
      "family": "Helvetica Neue",
      "classification": "sans-serif",
      "source": {
        "kind": "system",
        "stack": [
          "Helvetica Neue",
          "HelveticaNeue",
          "Helvetica",
          "-apple-system",
          "BlinkMacSystemFont",
          "Arial",
          "sans-serif"
        ]
      },
      "fallbackStack": [
        "Helvetica",
        "Arial",
        "sans-serif"
      ],
      "availableStyles": [
        {
          "weight": 400,
          "style": "normal"
        },
        {
          "weight": 700,
          "style": "normal"
        }
      ]
    },
    {
      "role": "mono",
      "ref": "jetbrainsmono-nerdfont@1.0.0",
      "family": "JetBrainsMono Nerd Font",
      "classification": "monospace",
      "source": {
        "kind": "external",
        "family": "JetBrainsMono Nerd Font",
        "notes": "Nerd-Font-patched build of JetBrains Mono. Not available via Google Fonts. Download woff2/ttf files from the Nerd Fonts GitHub release and self-host, or install system-wide for terminal/IDE use.\n"
      },
      "fallbackStack": [
        "JetBrains Mono",
        "Fira Code",
        "Menlo",
        "Monaco",
        "Consolas",
        "Liberation Mono",
        "monospace"
      ],
      "availableStyles": [
        {
          "weight": 100,
          "style": "normal"
        },
        {
          "weight": 100,
          "style": "italic"
        },
        {
          "weight": 200,
          "style": "normal"
        },
        {
          "weight": 200,
          "style": "italic"
        },
        {
          "weight": 300,
          "style": "normal"
        },
        {
          "weight": 300,
          "style": "italic"
        },
        {
          "weight": 400,
          "style": "normal"
        },
        {
          "weight": 400,
          "style": "italic"
        },
        {
          "weight": 500,
          "style": "normal"
        },
        {
          "weight": 500,
          "style": "italic"
        },
        {
          "weight": 600,
          "style": "normal"
        },
        {
          "weight": 600,
          "style": "italic"
        },
        {
          "weight": 700,
          "style": "normal"
        },
        {
          "weight": 700,
          "style": "italic"
        },
        {
          "weight": 800,
          "style": "normal"
        },
        {
          "weight": 800,
          "style": "italic"
        }
      ]
    }
  ],
  "roles": {
    "colors": {
      "identity": "setf-porcelain",
      "on-identity": "setf-onyx",
      "primary": "toyota-red",
      "primary-hover": "toyota-red",
      "accent": "toyota-red",
      "mark": "setf-onyx",
      "text-primary-light": "setf-onyx",
      "text-primary-dark": "setf-porcelain",
      "background-light": "setf-porcelain",
      "background-dark": "setf-onyx",
      "surface-light": "setf-fog",
      "surface-dark": "setf-graphite",
      "border-light": "setf-mist",
      "border-dark": "setf-slate"
    },
    "typography": {
      "display": "heading",
      "prose": "body",
      "fallback": "secondary",
      "code": "mono"
    }
  },
  "assets": [],
  "rules": [
    {
      "type": "contrastRatio",
      "target": "text-primary",
      "severity": "error",
      "rationale": "SETF Onyx (#38393B) on SETF Porcelain (#EDF0F5) measures ~12:1, clearing the AA 4.5:1 minimum decisively. SETF's customer-facing content includes statements, disclosures, and account-management screens that demand legible body text across mobile and desktop; AA is the published compliance target on the SETF brand portal.\n",
      "against": "background",
      "minRatio": 4.5,
      "standard": "WCAG-AA"
    },
    {
      "type": "colorChoice",
      "target": "roles.colors.primary",
      "severity": "error",
      "rationale": "Toyota Red (#EB0A1E / Pantone 186C / CMYK 0/100/90/0) is the single primary on the SETF brand portal. The 8-step gray supporting scale is for surfaces, borders, and text — never as a substitute for the brand action color.\n",
      "allowed": [
        "toyota-red"
      ],
      "forbidden": [
        "setf-porcelain",
        "setf-fog",
        "setf-mist",
        "setf-pewter",
        "setf-steel",
        "setf-slate",
        "setf-graphite",
        "setf-onyx"
      ]
    },
    {
      "type": "enumMembership",
      "target": "typography.heading.fontWeight",
      "severity": "warning",
      "rationale": "The SETF brand guide names Toyota Type Book (400) and Semibold (600) as the licensed weights on setfbranding.com /fonts.html. Helvetica Neue Regular (400) and Bold (700) serve as the fallback pair when Toyota Type cannot be embedded.\n",
      "allowed": [
        "400",
        "600"
      ]
    },
    {
      "type": "fontPairing",
      "target": "typography.display",
      "severity": "error",
      "rationale": "The SETF brand portal shows Toyota Type Semibold as the display weight against Toyota Type Book body, with a consistent 1.5×+ size step in deliverables. The size contrast carries the hierarchy when the type voice is otherwise uniform across display and prose.\n",
      "requires": "prose",
      "minSizeRatio": 1.5
    },
    {
      "type": "forbiddenTreatment",
      "target": "logo",
      "severity": "error",
      "rationale": "The SETF wordmark and its Toyota Red treatment are governed by the SETF Brand Portal. Use the supplied variants only; auto-inversion, gradient fills, drop shadows, and stretched aspect ratios are explicitly out of compliance per the portal's brand-identity page.\n",
      "treatments": [
        "stretched",
        "rotated",
        "recolored",
        "drop-shadow",
        "on-busy-photo",
        "inverted-without-variant",
        "gradient-fill",
        "outlined-only"
      ]
    },
    {
      "type": "colorChoice",
      "target": "roles.colors.mark",
      "severity": "error",
      "rationale": "The SETF wordmark renders in onyx or graphite on light surfaces, reversed to porcelain on dark surfaces, or in Toyota Red for the brand-co-lock. Lighter grays (fog, mist, pewter, steel, slate) are surface and border roles — they lack the contrast to carry the wordmark.\n",
      "allowed": [
        "setf-onyx",
        "setf-graphite",
        "setf-porcelain",
        "toyota-red"
      ],
      "forbidden": [
        "setf-fog",
        "setf-mist",
        "setf-pewter",
        "setf-steel",
        "setf-slate"
      ]
    },
    {
      "type": "accessibilityRequirement",
      "target": "*",
      "severity": "error",
      "rationale": "WCAG 2.1 Success Criterion 1.4.3 (Contrast Minimum — Level AA). SETF is a regulated financial-services brand; consumer disclosures and statement copy must meet AA across the 8-step gray scale. The SETF portal's documented foreground/ background pairings all clear AA on Porcelain.\n",
      "standard": "WCAG-AA",
      "criterion": "1.4.3"
    }
  ]
}