{
    "id": "user_3",
    "name": "Carol White",
    "email": "carol@example.com",
    "roles": ["user", "moderator"],
    "profile": {
      "avatar_url": "https://example.com/avatars/carol.jpg",
      "bio": "Product manager",
      "location": "Austin, TX",
      "website": "https://carol.pm"
    },
    "settings": {
      "notifications": true,
      "theme": "dark",
      "language": "en",
      "privacy": "public"
    },
    "created_at": "2024-01-03T00:00:00Z"
  }