@Test
void initializesWithoutTriggeringEvents() {

    final Investment i1 = getDelinquentInvestment(1);
    final Investment i10 = getDelinquentInvestment(10);
    final Investment i30 = getDelinquentInvestment(30);
    final Investment i60 = getDelinquentInvestment(60);
    final Investment i90 = getDelinquentInvestment(90);
    final Investment defaulted = getDefaultedInvestment();
    when(zonky.getDelinquentInvestments()).thenReturn(Stream.of(i1, i10, i30, i60, i90, defaulted));
    // run test
    payload.accept(tenant);
    assertSoftly(softly -> {
        softly.assertThat(r.getCategories(i1))
            .containsExactly(Category.NEW);
        softly.assertThat(r.getCategories(i10))
            .containsExactly(Category.NEW, Category.MILD);
        softly.assertThat(r.getCategories(i30))
            .containsExactly(Category.NEW, Category.MILD, Category.SEVERE);
        softly.assertThat(r.getCategories(i60))
            .containsExactly(Category.NEW, Category.MILD, Category.SEVERE,
                    Category.CRITICAL);
        softly.assertThat(r.getCategories(i90))
            .containsExactly(Category.NEW, Category.MILD, Category.SEVERE,
                    Category.CRITICAL, Category.HOPELESS);
        softly.assertThat(r.getCategories(defaulted))
            .containsExactly(Category.NEW, Category.MILD, Category.SEVERE,
                    Category.CRITICAL, Category.HOPELESS,
                    Category.DEFAULTED);
        softly.assertThat(getEventsRequested())
            .isEmpty();
    });
}