@ak--47/dungeon-master 1.0.0

package/dungeons/fintech.js

@@ -0,0 +1,696 @@
+import dayjs from "dayjs";
+import utc from "dayjs/plugin/utc.js";
+import "dotenv/config";
+import * as u from "../lib/utils/utils.js";
+
+const SEED = "harness-fintech";
+dayjs.extend(utc);
+const chance = u.initChance(SEED);
+const num_users = 5_000;
+const days = 100;
+
+/** @typedef  {import("../types.d.ts").Dungeon} Config */
+
+/**
+ * ===================================================================
+ * DATASET OVERVIEW
+ * ===================================================================
+ *
+ * NexBank — a Chime/Revolut-style neobank app. Users open accounts
+ * (personal or business), transact across 7 merchant categories,
+ * send transfers, pay bills, set budgets, invest, apply for loans,
+ * and earn tier-scaled rewards.
+ *
+ * Scale: 5,000 users · 600K events · 100 days · 18 event types
+ * Groups: 500 households
+ * Tiers: Basic (free) / Plus ($4.99/mo) / Premium ($14.99/mo)
+ *
+ * Core loop: onboarding → daily banking → financial planning →
+ *   budgets & savings → investments → rewards & monetization
+ *
+ * Funnels:
+ *   - Onboarding: account opened → app session → balance checked
+ *   - Daily banking: app session → balance checked → transaction
+ *   - Transfers: app session → transfer sent → notification opened
+ *   - Bill payment: app session → bill paid → notification opened
+ *   - Financial planning: budget created → budget alert → savings goal
+ *   - Investment: balance checked → investment made → reward redeemed
+ *   - Support: support contacted → card locked → dispute filed
+ *   - Lending: loan applied → loan approved → premium upgraded
+ */
+
+/**
+ * ===================================================================
+ * ANALYTICS HOOKS (8 architected patterns)
+ * ===================================================================
+ *
+ * 1. PERSONAL VS BUSINESS ACCOUNTS (user hook)
+ *    20% business (employee_count, revenue, industry), 80% personal
+ *    (age_range, life_stage). Breakdown: account_segment.
+ *    → Insights: any event by unique users, breakdown account_segment
+ *    → Insights: "transaction completed" avg amount, breakdown account_segment
+ *
+ * 2. PAYDAY PATTERNS (event hook)
+ *    Direct deposits 3x on 1st/15th (payday: true). Transfers 2x on
+ *    days 1-3 and 15-17 (post_payday_spending: true).
+ *    → Insights: "transaction completed" avg amount, filter direct_deposit, breakdown payday
+ *    → Insights: "transfer sent" avg amount, breakdown post_payday_spending
+ *
+ * 3. FRAUD DETECTION (everything hook)
+ *    3% of users get a fraud burst at timeline midpoint: 3-5 rapid
+ *    high-value txns → card locked → dispute → support. Tagged
+ *    fraud_sequence: true.
+ *    → Insights: "transaction completed" total, filter fraud_sequence = true
+ *    → Funnels: card locked → dispute filed → support contacted, filter fraud_sequence = true
+ *
+ * 4. LOW BALANCE CHURN (everything hook)
+ *    Users with 3+ balance checks < $15K lose 50% of events after
+ *    day 30. Surviving events tagged low_balance_churn: true.
+ *    → Retention: any → any, segment low_balance_churn = true vs others
+ *    → Insights: any event total over time, filter low_balance_churn = true
+ *
+ * 5. BUDGET USERS SAVE MORE (everything hook)
+ *    Budget creators get 2x savings contributions, 1.5x investment
+ *    amounts, extra savings goals. Tagged budget_discipline: true.
+ *    → Insights: "savings goal set" avg monthly_contribution, breakdown budget_discipline
+ *    → Insights: "investment made" avg amount, breakdown budget_discipline
+ *
+ * 6. AUTO-PAY LOYALTY (event hook)
+ *    Manual payers (auto_pay=false) miss 30% of bills (event renamed
+ *    to "bill payment missed"). Auto-pay users never miss.
+ *    → Insights: "bill paid" + "bill payment missed" totals side by side
+ *    → Insights: "bill paid" total, breakdown manual_payment
+ *
+ * 7. PREMIUM TIER VALUE (event hook)
+ *    Premium: 3x rewards, 2x investment sell returns. Plus: 1.5x
+ *    rewards. Tagged premium_reward / premium_returns.
+ *    → Insights: "reward redeemed" avg value, breakdown account_tier
+ *      (expected: premium ~$30, plus ~$15, basic ~$10)
+ *    → Insights: "investment made" avg amount, filter action=sell, breakdown premium_returns
+ *
+ * 8. MONTH-END ANXIETY (event hook)
+ *    Days >= 28: sessions 40% longer, balances 30% lower. Tagged
+ *    month_end_anxiety / month_end_check.
+ *    → Insights: "app session" avg session_duration_sec, breakdown month_end_anxiety
+ *    → Insights: "balance checked" avg account_balance, breakdown month_end_check
+ *
+ * ===================================================================
+ * ADVANCED ANALYSIS IDEAS
+ * ===================================================================
+ *
+ * Cross-hook patterns:
+ *   - Budget + Low Balance: Do budget creators avoid low-balance churn?
+ *   - Premium + Auto-Pay: Do premium users adopt auto-pay more?
+ *   - Fraud + Churn: Do fraud victims churn more? Does resolution help?
+ *   - Payday + Month-End: Do payday spenders run out by month-end?
+ *   - Business vs Personal Fraud: Are business accounts more targeted?
+ *
+ * Cohort analysis:
+ *   - By account_tier: upgrade paths, value realization
+ *   - By signup_channel: referral retention vs organic
+ *   - By income_bracket: feature adoption by income
+ *   - By credit_score_range: loan approvals, tier adoption
+ *
+ * ===================================================================
+ * EXPECTED METRICS SUMMARY
+ * ===================================================================
+ *
+ * Hook                  | Metric                | Baseline | Effect | Ratio
+ * ----------------------|-----------------------|----------|--------|------
+ * Personal vs Business  | Avg transaction amt   | $50      | $200+  | ~4x
+ * Payday Patterns       | Deposit amount        | $50      | $100   | 2x
+ * Fraud Detection       | Users affected        | 0%       | 3%     | --
+ * Low Balance Churn     | D30+ event count      | 100%     | 50%    | 0.5x
+ * Budget Discipline     | Monthly contribution  | $200     | $400   | 2x
+ * Auto-Pay Loyalty      | Bill completion rate   | 100%     | 70%    | 0.7x
+ * Premium Tier Value    | Reward value           | $10      | $30    | 3x
+ * Month-End Anxiety     | Session duration       | 60s      | 84s    | 1.4x
+ */
+
+/** @type {Config} */
+const config = {
+	token: "",
+	seed: SEED,
+	numDays: days,
+	numEvents: num_users * 120,
+	numUsers: num_users,
+	hasAnonIds: false,
+	hasSessionIds: true,
+	format: "json",
+	gzip: true,
+	alsoInferFunnels: false,
+	hasLocation: true,
+	hasAndroidDevices: true,
+	hasIOSDevices: true,
+	hasDesktopDevices: true,
+	hasBrowser: false,
+	hasCampaigns: false,
+	isAnonymous: false,
+	hasAdSpend: false,
+	percentUsersBornInDataset: 50,
+
+	hasAvatar: true,
+
+	batchSize: 2_500_000,
+	concurrency: 1,
+	writeToDisk: false,
+
+	scdProps: {},
+
+	funnels: [
+		{
+			sequence: ["account opened", "app session", "balance checked"],
+			isFirstFunnel: true,
+			conversionRate: 85,
+			timeToConvert: 0.25,
+		},
+		{
+			// Daily banking: check balance, view transactions - most common activity
+			sequence: ["app session", "balance checked", "transaction completed"],
+			conversionRate: 80,
+			timeToConvert: 0.5,
+			weight: 5,
+		},
+		{
+			// Transfers and notifications
+			sequence: ["app session", "transfer sent", "notification opened"],
+			conversionRate: 50,
+			timeToConvert: 1,
+			weight: 3,
+		},
+		{
+			// Bill payment flow
+			sequence: ["app session", "bill paid", "notification opened"],
+			conversionRate: 60,
+			timeToConvert: 1,
+			weight: 3,
+		},
+		{
+			// Financial planning: budgets and savings
+			sequence: ["budget created", "budget alert", "savings goal set"],
+			conversionRate: 40,
+			timeToConvert: 12,
+			weight: 2,
+		},
+		{
+			// Investment and rewards
+			sequence: ["balance checked", "investment made", "reward redeemed"],
+			conversionRate: 30,
+			timeToConvert: 5,
+			weight: 2,
+		},
+		{
+			// Support and account management
+			sequence: ["support contacted", "card locked", "dispute filed"],
+			conversionRate: 35,
+			timeToConvert: 2,
+			weight: 1,
+		},
+		{
+			// Lending flow
+			sequence: ["loan applied", "loan approved", "premium upgraded"],
+			conversionRate: 25,
+			timeToConvert: 10,
+			weight: 1,
+		},
+	],
+
+	events: [
+		{
+			event: "account opened",
+			weight: 1,
+			isFirstEvent: true,
+			properties: {
+				"account_type": u.pickAWinner(["personal", "business", "personal"]),
+				"signup_channel": ["app", "web", "referral", "branch"],
+			}
+		},
+		{
+			event: "app session",
+			weight: 20,
+			properties: {
+				"session_duration_sec": u.weighNumRange(10, 600, 0.3, 60),
+				"pages_viewed": u.weighNumRange(1, 15, 0.5, 3),
+			}
+		},
+		{
+			event: "balance checked",
+			weight: 15,
+			properties: {
+				"account_balance": u.weighNumRange(0, 50000, 0.8, 2500),
+				"account_type": ["checking", "savings", "investment"],
+			}
+		},
+		{
+			event: "transaction completed",
+			weight: 18,
+			properties: {
+				"transaction_type": ["purchase", "atm", "direct_deposit", "refund"],
+				"amount": u.weighNumRange(1, 5000, 0.3, 50),
+				"merchant_category": ["grocery", "restaurant", "gas", "retail", "online", "subscription", "utilities"],
+				"payment_method": ["debit", "credit", "contactless", "online"],
+			}
+		},
+		{
+			event: "transfer sent",
+			weight: 8,
+			properties: {
+				"transfer_type": ["internal", "external", "p2p", "wire"],
+				"amount": u.weighNumRange(10, 10000, 0.3, 200),
+				"recipient_type": ["friend", "family", "business", "self"],
+			}
+		},
+		{
+			event: "bill paid",
+			weight: 6,
+			properties: {
+				"bill_type": ["rent", "utilities", "phone", "insurance", "subscription", "loan_payment"],
+				"amount": u.weighNumRange(20, 3000, 0.5, 150),
+				"auto_pay": u.pickAWinner([true, false], 0.4),
+			}
+		},
+		{
+			event: "budget created",
+			weight: 3,
+			properties: {
+				"category": ["food", "transport", "entertainment", "shopping", "bills", "savings"],
+				"monthly_limit": u.weighNumRange(50, 2000, 0.5, 300),
+			}
+		},
+		{
+			event: "budget alert",
+			weight: 4,
+			properties: {
+				"alert_type": ["approaching_limit", "exceeded", "on_track"],
+				"percent_used": u.weighNumRange(50, 150, 1, 90),
+			}
+		},
+		{
+			event: "savings goal set",
+			weight: 3,
+			properties: {
+				"goal_type": ["emergency", "vacation", "car", "home", "education", "retirement"],
+				"target_amount": u.weighNumRange(500, 50000, 0.3, 5000),
+				"monthly_contribution": u.weighNumRange(25, 2000, 0.5, 200),
+			}
+		},
+		{
+			event: "investment made",
+			weight: 4,
+			properties: {
+				"investment_type": ["stocks", "etf", "crypto", "bonds", "mutual_fund"],
+				"amount": u.weighNumRange(10, 10000, 0.3, 250),
+				"action": u.pickAWinner(["buy", "sell", "buy"]),
+			}
+		},
+		{
+			event: "card locked",
+			weight: 1,
+			properties: {
+				"reason": ["lost", "stolen", "suspicious_activity", "travel"],
+			}
+		},
+		{
+			event: "dispute filed",
+			weight: 1,
+			properties: {
+				"dispute_amount": u.weighNumRange(10, 2000, 0.5, 100),
+				"reason": ["unauthorized", "duplicate", "not_received", "damaged", "wrong_amount"],
+			}
+		},
+		{
+			event: "loan applied",
+			weight: 2,
+			properties: {
+				"loan_type": ["personal", "auto", "home", "student", "business"],
+				"requested_amount": u.weighNumRange(1000, 100000, 0.3, 10000),
+			}
+		},
+		{
+			event: "loan approved",
+			weight: 1,
+			properties: {
+				"loan_type": ["personal", "auto", "home", "student", "business"],
+				"approved_amount": u.weighNumRange(1000, 100000, 0.3, 10000),
+				"interest_rate": u.weighNumRange(3, 25, 1, 8),
+			}
+		},
+		{
+			event: "premium upgraded",
+			weight: 2,
+			properties: {
+				"old_tier": ["basic", "plus", "premium"],
+				"new_tier": u.pickAWinner(["plus", "premium", "premium"]),
+				"monthly_fee": u.pickAWinner([4.99, 9.99, 14.99]),
+			}
+		},
+		{
+			event: "support contacted",
+			weight: 3,
+			properties: {
+				"channel": ["chat", "phone", "email", "in_app"],
+				"issue_type": ["transaction", "account", "card", "transfer", "technical"],
+				"resolved": u.pickAWinner([true, false], 0.8),
+			}
+		},
+		{
+			event: "notification opened",
+			weight: 10,
+			properties: {
+				"notification_type": ["transaction", "low_balance", "bill_due", "reward", "security", "promo"],
+				"action_taken": u.pickAWinner([true, false], 0.6),
+			}
+		},
+		{
+			event: "reward redeemed",
+			weight: 4,
+			properties: {
+				"reward_type": ["cashback", "points", "discount", "partner_offer"],
+				"value": u.weighNumRange(1, 100, 0.5, 10),
+			}
+		}
+	],
+
+	superProps: {
+		account_tier: u.pickAWinner(["basic", "basic", "basic", "plus", "plus", "premium"]),
+		platform: ["ios", "android", "web"],
+	},
+
+	userProps: {
+		"credit_score_range": ["300-579", "580-669", "670-739", "740-799", "800-850"],
+		"income_bracket": ["under_30k", "30k_50k", "50k_75k", "75k_100k", "100k_150k", "over_150k"],
+		"account_age_months": u.weighNumRange(1, 60, 0.5, 12),
+		"total_balance": u.weighNumRange(0, 100000, 0.3, 5000),
+		"has_direct_deposit": u.pickAWinner([true, false], 0.6),
+	},
+
+	groupKeys: [
+		["household_id", 500, ["transaction completed", "transfer sent", "bill paid", "savings goal set"]],
+	],
+
+	groupProps: {
+		household_id: {
+			"household_size": u.weighNumRange(1, 6),
+			"combined_income": u.weighNumRange(20000, 300000, 0.3, 75000),
+			"financial_health_score": u.weighNumRange(1, 100, 1, 65),
+			"primary_bank": u.pickAWinner(["NexBank_only", "multi_bank", "NexBank_only"]),
+		}
+	},
+
+	lookupTables: [],
+
+	/**
+	 * ARCHITECTED ANALYTICS HOOKS
+	 *
+	 * This hook function creates 8 deliberate patterns in the data:
+	 *
+	 * 1. PERSONAL VS BUSINESS: Business accounts get employee_count, revenue; personal get age_range, life_stage
+	 * 2. PAYDAY PATTERNS: Transactions spike on 1st/15th with bigger deposits and post-payday spending
+	 * 3. FRAUD DETECTION: 3% of users experience a fraud burst (rapid high-value txns -> card lock -> dispute -> support)
+	 * 4. LOW BALANCE CHURN: Users with chronic low balances (<$15K) lose 50% of activity after day 30
+	 * 5. BUDGET DISCIPLINE: Budget creators save 2x more and invest 1.5x more
+	 * 6. AUTO-PAY LOYALTY: Auto-pay users never miss bills; manual payers miss 30%
+	 * 7. PREMIUM TIER VALUE: Premium users get 3x rewards; Plus users get 1.5x; Premium investors get 2x returns
+	 * 8. MONTH-END ANXIETY: Last 3 days of month see 40% longer sessions and 30% lower balances
+	 */
+	hook: function (record, type, meta) {
+		const NOW = dayjs();
+		const DATASET_START = NOW.subtract(days, "days");
+
+		// ===============================================================
+		// Hook #1: PERSONAL VS BUSINESS ACCOUNTS (user)
+		// 20% of users are randomly tagged as business accounts with
+		// employee_count, annual_revenue, and industry. The other 80% get
+		// personal attributes: age_range and life_stage.
+		// ===============================================================
+		if (type === "user") {
+			const isBusiness = chance.bool({ likelihood: 20 });
+			if (isBusiness) {
+				record.account_segment = "business";
+				record.employee_count = chance.integer({ min: 5, max: 500 });
+				record.annual_revenue = chance.integer({ min: 100000, max: 10000000 });
+				record.industry = chance.pickone(["tech", "retail", "food", "services", "healthcare"]);
+			} else {
+				record.account_segment = "personal";
+				record.age_range = `${chance.pickone([18, 25, 35, 45, 55])}-${chance.pickone([24, 34, 44, 54, 65])}`;
+				record.life_stage = chance.pickone(["student", "early_career", "established", "pre_retirement", "retired"]);
+			}
+		}
+
+		// ===============================================================
+		// Hook #2: PAYDAY PATTERNS (event)
+		// On the 1st and 15th, direct deposit transactions are 2x bigger
+		// and tagged with payday: true. On days 1-3 and 15-17, transfers
+		// have a 40% chance of 1.5x boost (post-payday spending).
+		// ===============================================================
+		if (type === "event") {
+			const EVENT_TIME = dayjs(record.time);
+			const dayOfMonth = EVENT_TIME.date();
+
+			// Payday: 1st and 15th
+			if (record.event === "transaction completed" && record.transaction_type === "direct_deposit") {
+				if (dayOfMonth === 1 || dayOfMonth === 15) {
+					record.amount = Math.floor((record.amount || 50) * 3);
+					record.payday = true;
+				} else {
+					record.payday = false;
+				}
+			}
+
+			// Post-payday spending: days 1-3 and 15-17
+			if (record.event === "transfer sent") {
+				const isPaydayWindow = (dayOfMonth >= 1 && dayOfMonth <= 3) || (dayOfMonth >= 15 && dayOfMonth <= 17);
+				if (isPaydayWindow && chance.bool({ likelihood: 60 })) {
+					record.amount = Math.floor((record.amount || 200) * 2.0);
+					record.post_payday_spending = true;
+				} else {
+					record.post_payday_spending = false;
+				}
+			}
+
+			// ===============================================================
+			// Hook #6: AUTO-PAY LOYALTY (event)
+			// Users with auto_pay=false on bill paid events have a 30% chance
+			// of the event being dropped entirely (missed payment). Surviving
+			// manual payments get tagged. Auto-pay users always succeed.
+			// ===============================================================
+			if (record.event === "bill paid") {
+				if (record.auto_pay === false || record.auto_pay === undefined) {
+					if (chance.bool({ likelihood: 30 })) {
+						record.event = "bill payment missed";
+						record.missed_payment = true;
+						record.manual_payment = false;
+					} else {
+						record.missed_payment = false;
+						record.manual_payment = true;
+					}
+				} else {
+					record.missed_payment = false;
+					record.manual_payment = false;
+				}
+			}
+
+			// ===============================================================
+			// Hook #7: PREMIUM TIER VALUE (event)
+			// Premium tier users get 3x reward values and 2x investment sell
+			// returns. Plus tier users get 1.5x rewards.
+			// ===============================================================
+			if (record.event === "reward redeemed") {
+				if (record.account_tier === "premium") {
+					record.value = Math.floor((record.value || 10) * 3);
+					record.premium_reward = true;
+				} else if (record.account_tier === "plus") {
+					record.value = Math.floor((record.value || 10) * 1.5);
+					record.premium_reward = false;
+				} else {
+					record.premium_reward = false;
+				}
+			}
+
+			if (record.event === "investment made" && record.action === "sell") {
+				if (record.account_tier === "premium") {
+					record.amount = Math.floor((record.amount || 250) * 2);
+					record.premium_returns = true;
+				} else {
+					record.premium_returns = false;
+				}
+			}
+
+			// ===============================================================
+			// Hook #8: MONTH-END ANXIETY (event)
+			// Last 3 days of month (day >= 28) see 40% longer app sessions
+			// and 30% lower balances when checked.
+			// ===============================================================
+			if (record.event === "app session") {
+				if (dayOfMonth >= 28) {
+					record.session_duration_sec = Math.floor((record.session_duration_sec || 60) * 1.4);
+					record.month_end_anxiety = true;
+				} else {
+					record.month_end_anxiety = false;
+				}
+			}
+
+			if (record.event === "balance checked") {
+				if (dayOfMonth >= 28) {
+					record.account_balance = Math.floor((record.account_balance || 2500) * 0.7);
+					record.month_end_check = true;
+				} else {
+					record.month_end_check = false;
+				}
+			}
+		}
+
+		// ===============================================================
+		// Hook #3, #4, #5: EVERYTHING - Complex behavioral patterns
+		// These hooks operate on the full event stream per user for
+		// fraud injection, low-balance churn, and budget discipline.
+		// ===============================================================
+		if (type === "everything") {
+			const userEvents = record;
+			const firstEventTime = userEvents.length > 0 ? dayjs(userEvents[0].time) : null;
+
+			// -----------------------------------------------------------
+			// Hook #3: FRAUD DETECTION PATTERN
+			// 3% of users experience a fraud event sequence: a burst of
+			// 3-5 rapid high-value transactions within 1 hour, followed by
+			// card locked, dispute filed, and support contacted events.
+			// All injected events are tagged with fraud_sequence: true.
+			// -----------------------------------------------------------
+			if (chance.bool({ likelihood: 3 })) {
+				// Find the midpoint of the user's timeline
+				if (userEvents.length >= 2) {
+					const midIdx = Math.floor(userEvents.length / 2);
+					const midEvent = userEvents[midIdx];
+					const midTime = dayjs(midEvent.time);
+					const distinctId = midEvent.user_id;
+
+					// Inject 3-5 rapid high-value transactions
+					const burstCount = chance.integer({ min: 3, max: 5 });
+					const fraudEvents = [];
+
+					for (let i = 0; i < burstCount; i++) {
+						fraudEvents.push({
+							event: "transaction completed",
+							time: midTime.add(i * 10, "minutes").toISOString(),
+							user_id: distinctId,
+							transaction_type: "purchase",
+							amount: chance.integer({ min: 500, max: 3000 }),
+							merchant_category: chance.pickone(["online", "retail"]),
+							payment_method: "credit",
+							fraud_sequence: true,
+						});
+					}
+
+					// Card locked after the burst
+					fraudEvents.push({
+						event: "card locked",
+						time: midTime.add(burstCount * 10 + 5, "minutes").toISOString(),
+						user_id: distinctId,
+						reason: "suspicious_activity",
+						fraud_sequence: true,
+					});
+
+					// Dispute filed shortly after
+					fraudEvents.push({
+						event: "dispute filed",
+						time: midTime.add(burstCount * 10 + 30, "minutes").toISOString(),
+						user_id: distinctId,
+						dispute_amount: chance.integer({ min: 500, max: 3000 }),
+						reason: "unauthorized",
+						fraud_sequence: true,
+					});
+
+					// Support contacted
+					fraudEvents.push({
+						event: "support contacted",
+						time: midTime.add(burstCount * 10 + 45, "minutes").toISOString(),
+						user_id: distinctId,
+						channel: "phone",
+						issue_type: "card",
+						resolved: true,
+						fraud_sequence: true,
+					});
+
+					// Splice all fraud events into the user's timeline
+					userEvents.splice(midIdx + 1, 0, ...fraudEvents);
+				}
+			}
+
+			// -----------------------------------------------------------
+			// Hook #4: LOW BALANCE CHURN
+			// Users who have 3+ balance checks showing < $15,000 are
+			// "struggling". After day 30, 50% of their events are removed
+			// and remaining events are tagged low_balance_churn: true.
+			// -----------------------------------------------------------
+			let lowBalanceChecks = 0;
+			userEvents.forEach((event) => {
+				if (event.event === "balance checked" && (event.account_balance || 0) < 15000) {
+					lowBalanceChecks++;
+				}
+			});
+
+			if (lowBalanceChecks >= 3) {
+				const day30 = DATASET_START.add(30, "days");
+				for (let i = userEvents.length - 1; i >= 0; i--) {
+					const evt = userEvents[i];
+					if (dayjs(evt.time).isAfter(day30)) {
+						if (chance.bool({ likelihood: 50 })) {
+							userEvents.splice(i, 1);
+						} else {
+							evt.low_balance_churn = true;
+						}
+					}
+				}
+			}
+
+			// -----------------------------------------------------------
+			// Hook #5: BUDGET USERS SAVE MORE
+			// Users who created any budget have 2x savings contributions,
+			// 1.5x investment amounts, and extra savings goal events
+			// spliced into their timeline. Tagged budget_discipline: true.
+			// -----------------------------------------------------------
+			let hasBudget = false;
+			userEvents.forEach((event) => {
+				if (event.event === "budget created") {
+					hasBudget = true;
+				}
+			});
+
+			if (hasBudget) {
+				userEvents.forEach((event, idx) => {
+					const eventTime = dayjs(event.time);
+
+					// Double savings contributions
+					if (event.event === "savings goal set") {
+						event.monthly_contribution = Math.floor((event.monthly_contribution || 200) * 2);
+						event.budget_discipline = true;
+					}
+
+					// 1.5x investment amounts
+					if (event.event === "investment made") {
+						event.amount = Math.floor((event.amount || 250) * 1.5);
+						event.budget_discipline = true;
+					}
+
+					// Splice extra savings goal events (budget-conscious users set more goals)
+					if (event.event === "budget created" && chance.bool({ likelihood: 50 })) {
+						const extraGoal = {
+							event: "savings goal set",
+							time: eventTime.add(chance.integer({ min: 1, max: 7 }), "days").toISOString(),
+							user_id: event.user_id,
+							goal_type: chance.pickone(["emergency", "vacation", "car", "home"]),
+							target_amount: chance.integer({ min: 1000, max: 20000 }),
+							monthly_contribution: chance.integer({ min: 100, max: 800 }),
+							budget_discipline: true,
+						};
+						userEvents.splice(idx + 1, 0, extraGoal);
+					}
+				});
+			}
+		}
+
+		return record;
+	}
+};
+
+export default config;