diff --git a/src/schemas/22-1990n/schema.js b/src/schemas/22-1990n/schema.js
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+const buildDefinitionReference = referenceId => ({ $ref: `#/definitions/${referenceId}` });
+
+const schema = {
+  $schema: 'http://json-schema.org/draft-04/schema#',
+  type: 'object',
+  additionalProperties: false,
+
+  definitions: {
+    fullName: {
+      type: 'object',
+      properties: {
+        first: {
+          type: 'string',
+          minLength: 1,
+          maxLength: 30,
+        },
+        middle: {
+          type: ['string', 'null'],
+          maxLength: 1,
+          pattern: '^[A-Za-z]$',
+        },
+        last: {
+          type: 'string',
+          minLength: 1,
+          maxLength: 30,
+        },
+      },
+      required: ['first', 'last'],
+    },
+
+    ssn: {
+      type: 'string',
+      pattern: '^\\d{9}$',
+      minLength: 9,
+      maxLength: 9,
+      description: 'Social Security Number — 9 digits, no hyphens',
+    },
+
+    date: {
+      type: 'string',
+      format: 'date',
+      description: 'ISO 8601 date string YYYY-MM-DD',
+    },
+
+    phone: {
+      type: 'string',
+      pattern: '^\\d{10}$',
+      minLength: 10,
+      maxLength: 10,
+      description: '10-digit phone number, no formatting characters',
+    },
+
+    email: {
+      type: 'string',
+      format: 'email',
+      maxLength: 255,
+    },
+
+    usAddress: {
+      type: 'object',
+      properties: {
+        street: {
+          type: 'string',
+          minLength: 1,
+          maxLength: 50,
+        },
+        street2: {
+          type: ['string', 'null'],
+          maxLength: 50,
+        },
+        city: {
+          type: 'string',
+          minLength: 1,
+          maxLength: 30,
+        },
+        state: {
+          type: 'string',
+          maxLength: 5,
+          description: '2-letter state/territory code or APO/FPO/DPO designator',
+        },
+        postalCode: {
+          type: 'string',
+          pattern: '^\\d{5}(-\\d{4})?$',
+          maxLength: 10,
+        },
+        country: {
+          type: 'string',
+          enum: ['USA'],
+          description: 'Fixed to USA for domestic addresses',
+        },
+      },
+      required: ['street', 'city', 'state', 'postalCode'],
+    },
+
+    uploadedDocument: {
+      type: 'object',
+      description: 'Metadata for a document uploaded via /v0/document_uploads',
+      properties: {
+        name: {
+          type: 'string',
+          maxLength: 255,
+          description: 'Original filename of the uploaded document',
+        },
+        size: {
+          type: 'integer',
+          minimum: 1,
+          description: 'File size in bytes',
+        },
+        confirmationCode: {
+          type: 'string',
+          description: 'UUID returned by /v0/document_uploads after successful upload',
+        },
+      },
+      required: ['name', 'size', 'confirmationCode'],
+    },
+
+    servicePeriod: {
+      type: 'object',
+      description: 'A single period of military service (Item 10)',
+      properties: {
+        dateEnteredService: {
+          type: 'string',
+          format: 'date',
+          description: 'Item 10A — Date entered service; must be on or after 2003-10-01 for NCS eligibility',
+        },
+        dateSeparated: {
+          type: ['string', 'null'],
+          format: 'date',
+          description: 'Item 10B — Date separated; leave null if currently serving',
+        },
+        serviceComponent: {
+          type: 'string',
+          maxLength: 20,
+          description: 'Item 10C — Branch/component of service (e.g., USN, USAF, USAR, ARNG)',
+        },
+        serviceStatus: {
+          type: 'string',
+          maxLength: 50,
+          description: 'Item 10D — Service status (e.g., Active duty, drilling reservist, IRR)',
+        },
+      },
+      required: ['dateEnteredService', 'serviceComponent', 'serviceStatus'],
+    },
+
+    bankAccount: {
+      type: 'object',
+      description: 'Direct deposit bank account information (Item 7)',
+      properties: {
+        accountType: {
+          type: 'string',
+          enum: ['checking', 'savings'],
+          description: 'Type of bank account',
+        },
+        routingNumber: {
+          type: 'string',
+          pattern: '^\\d{9}$',
+          minLength: 9,
+          maxLength: 9,
+          description: 'ABA routing/transit number — 9 digits',
+        },
+        accountNumber: {
+          type: 'string',
+          pattern: '^\\d{4,17}$',
+          minLength: 4,
+          maxLength: 17,
+          description: 'Bank account number — 4 to 17 digits',
+        },
+      },
+      required: ['accountType', 'routingNumber', 'accountNumber'],
+    },
+  },
+
+  properties: {
+
+    // ── Part I: Applicant Information ──────────────────────────────────────────
+
+    applicantInformation: {
+      type: 'object',
+      description: 'Part I — Applicant identification fields (Items 1–6B)',
+      additionalProperties: false,
+      properties: {
+        veteranSocialSecurityNumber: buildDefinitionReference('ssn'),
+
+        gender: {
+          type: 'string',
+          enum: ['F', 'M'],
+          description: 'Item 2 — Sex of applicant (F = Female, M = Male; verbatim from March 2023 PDF)',
+        },
+
+        veteranDateOfBirth: buildDefinitionReference('date'),
+
+        veteranFullName: buildDefinitionReference('fullName'),
+
+        veteranAddress: buildDefinitionReference('usAddress'),
+
+        homePhone: {
+          $ref: '#/definitions/phone',
+          description: 'Item 6A — Home telephone number',
+        },
+
+        mobilePhone: {
+          type: ['string', 'null'],
+          pattern: '^\\d{10}$',
+          minLength: 10,
+          maxLength: 10,
+          description: 'Item 6A — Mobile telephone number (optional)',
+        },
+
+        email: {
+          type: ['string', 'null'],
+          format: 'email',
+          maxLength: 255,
+          description: 'Item 6B — Email address (optional)',
+        },
+      },
+      required: [
+        'veteranSocialSecurityNumber',
+        'gender',
+        'veteranDateOfBirth',
+        'veteranFullName',
+        'veteranAddress',
+      ],
+    },
+
+    // ── Part II: Type and Program of Education or Training ────────────────────
+
+    educationTraining: {
+      type: 'object',
+      description: 'Part II — Education or training type, school, objective, and benefit authorization (Items 8A–8C + multi-benefit auth)',
+      additionalProperties: false,
+      properties: {
+
+        typeOfEducation: {
+          type: 'array',
+          description: 'Item 8A — Type(s) of education or training selected; at least one required',
+          minItems: 1,
+          uniqueItems: true,
+          items: {
+            type: 'string',
+            enum: [
+              'collegeOrOtherSchool',
+              'apprenticeshipOrOJT',
+              'vocationalFlightTraining',
+              'correspondence',
+              'nationalTestReimbursement',
+              'licensingOrCertificationTest',
+            ],
+          },
+        },
+
+        flightTrainingCourse: {
+          type: 'object',
+          description: 'Conditional — shown only when vocationalFlightTraining is selected in Item 8A',
+          additionalProperties: false,
+          properties: {
+            isAirlineTransportPilot: {
+              type: 'boolean',
+              description: 'Whether the flight training course is an Airline Transport Pilot (ATP) course; determines required medical certificate class',
+            },
+            requirementsAcknowledged: {
+              type: 'boolean',
+              description: 'Applicant confirms they hold the required pilot certificate and medical certificate for their selected flight training type',
+            },
+          },
+          required: ['isAirlineTransportPilot', 'requirementsAcknowledged'],
+        },
+
+        schoolSelected: {
+          type: 'boolean',
+          description: 'Item 8B gate — indicates whether the applicant has selected a school or training establishment',
+        },
+
+        schoolInfo: {
+          type: 'object',
+          description: 'Item 8B — School or training establishment name and address (conditional on schoolSelected = true)',
+          additionalProperties: false,
+          properties: {
+            name: {
+              type: 'string',
+              minLength: 1,
+              maxLength: 100,
+              description: 'Name of school or training establishment',
+            },
+            address: {
+              type: 'object',
+              additionalProperties: false,
+              properties: {
+                street: {
+                  type: 'string',
+                  minLength: 1,
+                  maxLength: 50,
+                },
+                city: {
+                  type: 'string',
+                  minLength: 1,
+                  maxLength: 30,
+                },
+                state: {
+                  type: 'string',
+                  maxLength: 5,
+                  description: 'State code used for RPO routing (Eastern vs. Western)',
+                },
+                postalCode: {
+                  type: 'string',
+                  pattern: '^\\d{5}(-\\d{4})?$',
+                  maxLength: 10,
+                },
+              },
+              required: ['street', 'city', 'state', 'postalCode'],
+            },
+          },
+          required: ['name', 'address'],
+        },
+
+        educationalObjective: {
+          type: ['string', 'null'],
+          maxLength: 500,
+          description: 'Item 8C — Educational or career objective (optional; e.g., Bachelor of Arts in Accounting, welding certificate, police officer)',
+        },
+
+        highestRateAuthorization: {
+          type: 'boolean',
+          description: 'Part II multi-benefit authorization — if eligible for more than one benefit, applicant authorizes VA to pay the benefit with the highest monthly rate',
+        },
+      },
+      required: ['typeOfEducation', 'schoolSelected', 'highestRateAuthorization'],
+    },
+
+    // ── Part III: Service Information ─────────────────────────────────────────
+
+    serviceInformation: {
+      type: 'object',
+      description: 'Part III — Active duty status, terminal leave, service periods, and supporting document uploads (Items 9A–9B, 10)',
+      additionalProperties: false,
+      properties: {
+
+        activeDuty: {
+          type: 'boolean',
+          description: 'Item 9A — Is the applicant currently on active duty?',
+        },
+
+        terminalLeave: {
+          type: 'boolean',
+          description: 'Item 9B — Is the applicant currently on terminal leave just before discharge?',
+        },
+
+        servicePeriods: {
+          type: 'array',
+          description: 'Item 10 — Military service history; one or more service periods',
+          minItems: 1,
+          items: buildDefinitionReference('servicePeriod'),
+        },
+
+        ddForm2863: {
+          type: 'array',
+          description: 'Uploaded DD Form 2863 (NCS Election of Options) — required for processing',
+          minItems: 1,
+          maxItems: 3,
+          items: buildDefinitionReference('uploadedDocument'),
+        },
+
+        ddForm214: {
+          type: 'array',
+          description: 'Uploaded DD Form 214 Member 4 copy — required (or deferred when applicant is on terminal leave)',
+          minItems: 0,
+          maxItems: 3,
+          items: buildDefinitionReference('uploadedDocument'),
+        },
+      },
+      required: ['activeDuty', 'terminalLeave', 'servicePeriods'],
+    },
+
+    // ── Part IV: Concurrent Benefits ──────────────────────────────────────────
+
+    concurrentBenefits: {
+      type: 'object',
+      description: 'Part IV — Concurrent benefit questions (Items 11A–11C)',
+      additionalProperties: false,
+      properties: {
+
+        seniorRotcScholarship: {
+          type: 'boolean',
+          description: 'Item 11A — Is the applicant participating in a Senior ROTC scholarship program under Section 2107, Title 10, U.S. Code?',
+        },
+
+        federalTuitionAssistance: {
+          type: ['boolean', 'null'],
+          description: 'Item 11B — Is the applicant receiving or anticipating money (including Federal Tuition Assistance) from the Armed Forces or Public Health Service? Conditional — only collected when activeDuty = true.',
+        },
+
+        civilianGovtEmployee: {
+          type: ['boolean', 'null'],
+          description: 'Gate for Item 11C — Is the applicant a civilian employee of the U.S. Government? Determines whether Item 11C is shown.',
+        },
+
+        govtEmployeeFunding: {
+          type: ['boolean', 'null'],
+          description: 'Item 11C — Does the applicant expect to receive funds from their government agency or department for the same courses? Conditional on civilianGovtEmployee = true.',
+        },
+
+        govtEmployeeFundingSource: {
+          type: ['string', 'null'],
+          maxLength: 200,
+          description: 'Item 11C source — Description of the source of government civilian funding; conditional on govtEmployeeFunding = true',
+        },
+      },
+      required: ['seniorRotcScholarship'],
+    },
+
+    // ── Item 7: Direct Deposit ─────────────────────────────────────────────────
+    // Note: Appears as Part II on the paper form but is collected as its own
+    // chapter in the digital flow (Screens 16–17).
+
+    directDeposit: {
+      type: 'object',
+      description: 'Item 7 — Direct deposit enrollment and bank account information',
+      additionalProperties: false,
+      properties: {
+
+        noDirectDeposit: {
+          type: 'boolean',
+          description: 'Applicant has elected not to enroll in direct deposit; when true, bankAccount and bankDocument are not required',
+        },
+
+        bankAccount: buildDefinitionReference('bankAccount'),
+
+        bankDocument: {
+          type: 'array',
+          description: 'Uploaded voided personal check or deposit slip to verify bank account information; required when bankAccount is provided',
+          minItems: 0,
+          maxItems: 3,
+          items: buildDefinitionReference('uploadedDocument'),
+        },
+      },
+    },
+
+    // ── Part V: Certification and Signature ───────────────────────────────────
+
+    certification: {
+      type: 'object',
+      description: 'Part V — Digital certification attestation, ESO consultation, date signed (Item 12A equivalent)',
+      additionalProperties: false,
+      properties: {
+
+        privacyAgreementAccepted: {
+          type: 'boolean',
+          description: 'Applicant certifies all statements in the application are true and correct to the best of their knowledge and belief (verbatim Part V attestation)',
+          enum: [true],
+        },
+
+        esoConsultationCertified: {
+          type: ['boolean', 'null'],
+          description: 'Active duty applicants certify they have consulted with an Education Service Officer (ESO) regarding their education program; conditional on activeDuty = true',
+        },
+
+        dateSigned: {
+          type: 'string',
+          format: 'date',
+          description: 'Item 12B — Date application was signed; auto-populated from system date at submission time (ISO 8601 YYYY-MM-DD)',
+        },
+      },
+      required: ['privacyAgreementAccepted', 'dateSigned'],
+    },
+  },
+
+  required: [
+    'applicantInformation',
+    'educationTraining',
+    'serviceInformation',
+    'concurrentBenefits',
+    'certification',
+  ],
+};
+
+export default schema;
\ No newline at end of file