@ak--47/dungeon-master 1.3.0 → 1.3.1

package/dungeons/vertical/healthcare.js

@@ -16,9 +16,6 @@ import * as v from "ak-tools";
 
 dayjs.extend(utc);
 const chance = u.initChance(SEED);
-const NOW = dayjs();
-const DATASET_START = NOW.subtract(num_days, "days");
-
 /** @typedef  {import("../../types").Dungeon} Config */
 
 // Generate consistent doctor/clinic IDs at module level
@@ -54,7 +51,10 @@ const clinicIds = v.range(1, 25).map(() => `CLINIC_${v.uid(4)}`);
 
 /**
  * ═══════════════════════════════════════════════════════════════
- * ANALYTICS HOOKS (8 hooks)
+ * ANALYTICS HOOKS (10 hooks)
+ *
+ * NOTE: All cohort effects are HIDDEN — no flag stamping. Discoverable
+ * via raw-prop breakdowns (HOD, day, tier) or behavioral cohorts.
  * ═══════════════════════════════════════════════════════════════
  *
  * ───────────────────────────────────────────────────────────────
@@ -70,9 +70,9 @@ const clinicIds = v.range(1, 25).map(() => `CLINIC_${v.uid(4)}`);
  *   • Report type: Insights
  *   • Event: "consultation completed"
  *   • Measure: Average of "consultation_fee"
- *   • Breakdown: "after_hours"
- *   • Expected: after_hours=true should show ~1.5x avg fee vs false
- *     (true ≈ $112, false ≈ $75)
+ *   • Breakdown: hour of day
+ *   • Expected: hours 19-06 UTC ~ 1.5x avg fee vs hours 07-18
+ *     (after-hours ≈ $112, business ≈ $75)
  *
  * REAL-WORLD ANALOGUE: Telehealth platforms charge premiums for
  * after-hours urgent consultations, a key revenue driver.
@@ -226,27 +226,77 @@ const clinicIds = v.range(1, 25).map(() => `CLINIC_${v.uid(4)}`);
  * REAL-WORLD ANALOGUE: Free-tier patients face longer wait times
  * and limited scheduling, reducing completed consultations.
  *
+ * ───────────────────────────────────────────────────────────────
+ * 9. BOOKING FUNNEL TIME-TO-CONVERT (funnel-post)
+ *
+ * PATTERN: Premium tier completes Booking funnel 1.35x faster
+ * (factor 0.74); Free tier 1.33x slower (factor 1.33).
+ *
+ * HOW TO FIND IT IN MIXPANEL:
+ *
+ *   Report 1: Booking Funnel Median Time-to-Convert by Tier
+ *   - Funnels > "symptom search" -> "appointment booked" -> "consultation completed"
+ *   - Measure: Median time to convert
+ *   - Breakdown: subscription_tier
+ *   - Expected: premium ~ 0.74x; free ~ 1.33x
+ *
+ *   NOTE (funnel-post measurement): visible only via Mixpanel funnel
+ *   median TTC. Cross-event MIN→MIN SQL queries on raw events do NOT
+ *   show this — funnel-post adjusts gaps within funnel instances, not
+ *   across the user's full event history.
+ *
+ * ───────────────────────────────────────────────────────────────
+ * 10. CONSULTATION-COUNT MAGIC NUMBER (everything)
+ *
+ * PATTERN: Sweet 3-6 consultations → +25% on consultation_fee.
+ * Over 7+ → days_until_followup multiplied by 1.5 (over-consulted
+ * patients wait 50% longer for next visit). No flag.
+ *
+ * HOW TO FIND IT IN MIXPANEL:
+ *
+ *   Report 1: Avg Consultation Fee by Consult-Count Bucket
+ *   - Cohort A: users with 3-6 "consultation completed"
+ *   - Cohort B: users with 0-2
+ *   - Event: "consultation completed"
+ *   - Measure: Average of "consultation_fee"
+ *   - Expected: A ~ 1.25x B
+ *
+ *   Report 2: Follow-Up Wait Time on Heavy Consulters
+ *   - Cohort C: users with >= 7 consultations
+ *   - Cohort A: users with 3-6
+ *   - Event: "follow up scheduled"
+ *   - Measure: Average of "days_until_followup"
+ *   - Expected: C ~ 1.5x A (longer gap before next visit)
+ *
+ * REAL-WORLD ANALOGUE: Engaged patients pay more; over-engaged
+ * patients hit care-fatigue and stretch the gap to next visit.
+ *
  * ═══════════════════════════════════════════════════════════════
  * EXPECTED METRICS SUMMARY
  * ═══════════════════════════════════════════════════════════════
  *
- * Hook                        | Metric              | Baseline | Effect  | Ratio
- * ────────────────────────────|─────────────────────|──────────|─────────|──────
- * After-Hours Pricing         | consultation_fee    | $75      | $112    | 1.5x
- * Flu Season Spike            | respiratory appts   | ~15%     | ~60%    | 4x
- * Experienced Doctor Sat.     | satisfaction_score   | 3.5      | 4.2     | 1.2x
- * Video Follow-Up Lift        | follow-ups/user     | 1.0      | 2.0     | 2x
- * Chronic Refill Chain        | refills (chronic)   | 1        | 3-4     | 3-4x
- * Occasional No-Shows         | booking→consult     | 95%      | 75%     | 0.79x
- * Doctor Specialization       | years_experience    | 5        | 22      | 4.4x
- * Free-Tier Conversion Drop   | funnel conversion   | 40%      | 28%     | 0.7x
+ * Hook                        | Metric              | Baseline | Effect    | Ratio
+ * ----------------------------|---------------------|----------|-----------|------
+ * After-Hours Pricing         | consultation_fee    | 1x       | 1.5x      | 1.5x
+ * Flu Season Spike            | respiratory share   | ~ 15%    | ~ 60%     | 4x
+ * Experienced Doctor Sat.     | satisfaction_score  | 3.5      | 4.2       | 1.2x
+ * Video Follow-Up Lift        | follow-ups/user     | 1x       | 2x        | 2x
+ * Chronic Refill Chain        | refills (chronic)   | 1        | 3-4       | 3-4x
+ * Occasional No-Shows         | booking→consult     | 95%      | 75%       | -20%
+ * Doctor Specialization       | years_experience    | 5        | 22        | 4.4x
+ * Free-Tier Conversion Drop   | funnel conversion   | 40%      | 28%       | -30%
+ * Booking T2C                 | median min by tier  | 1x       | 0.74/1.33x| ~ 1.8x range
+ * Consult-Count Magic Number  | sweet consult fee   | 1x       | 1.25x     | 1.25x
+ * Consult-Count Magic Number  | over days_until_fu  | 1x       | 1.5x      | +50%
  */
 
 /** @type {Config} */
 const config = {
 	token,
 	seed: SEED,
-	numDays: num_days,
+	datasetStart: "2026-01-01T00:00:00Z",
+	datasetEnd: "2026-04-28T23:59:59Z",
+	// numDays: num_days,
 	avgEventsPerUserPerDay: avg_events_per_user_per_day,
 	numUsers: num_users,
 	hasAnonIds: false,
@@ -303,7 +353,6 @@ const config = {
 				condition_type: ["general", "general", "general", "respiratory", "dermatology", "mental_health", "chronic", "pediatric"],
 				wait_time_hours: u.weighNumRange(1, 72, 0.4),
 				appointment_type: ["new_patient", "follow_up", "follow_up", "urgent", "routine", "routine"],
-				after_hours: [false],
 			},
 		},
 		{
@@ -316,7 +365,6 @@ const config = {
 				consultation_fee: u.weighNumRange(25, 200, 0.4, 75),
 				satisfaction_score: u.weighNumRange(1, 5, 0.8, 3),
 				condition_type: ["general", "general", "respiratory", "dermatology", "mental_health", "chronic", "pediatric"],
-				after_hours: [false],
 			},
 		},
 		{
@@ -577,8 +625,8 @@ const config = {
 			{ name: "premium", price: 29.99 },
 		],
 		lifecycle: {
-			trialToPayRate: 0.30,
-			upgradeRate: 0.08,
+			trialToPayRate: 0.55,
+			upgradeRate: 0.20,
 			downgradeRate: 0.03,
 			churnRate: 0.05,
 			winBackRate: 0.10,
@@ -655,44 +703,38 @@ const config = {
 			}
 		}
 
-		// ── HOOK 8: PREMIUM BOOKING FUNNEL LIFT (funnel-pre) ─
-		// (conversionRate boost removed — filtering applied in everything hook instead)
-		if (type === "funnel-pre") {
-			// no-op: conversion differentiation handled via event filtering below
-		}
-
-		// ── HOOK 1: AFTER-HOURS SURGE PRICING (event) ────────
-		// Consultations between 7PM-7AM get 1.5x fee.
-		if (type === "event") {
-			if (record.event === "consultation completed" || record.event === "appointment booked") {
-				const hour = dayjs(record.time).hour();
-				if (hour >= 19 || hour < 7) {
-					record.after_hours = true;
-					if (record.consultation_fee) {
-						record.consultation_fee = Math.floor(record.consultation_fee * 1.5);
+		// HOOK 9 (T2C): BOOKING FUNNEL TIME-TO-CONVERT (funnel-post)
+		// Premium tier completes Booking funnel 1.35x faster (factor 0.74);
+		// Free tier 1.33x slower (factor 1.33).
+		if (type === "funnel-post") {
+			const segment = meta?.profile?.subscription_tier;
+			if (Array.isArray(record) && record.length > 1) {
+				const factor = (
+					segment === "premium" ? 0.74 :
+					segment === "free" ? 1.33 :
+					1.0
+				);
+				if (factor !== 1.0) {
+					for (let i = 1; i < record.length; i++) {
+						const prev = dayjs(record[i - 1].time);
+						const newGap = Math.round(dayjs(record[i].time).diff(prev) * factor);
+						record[i].time = prev.add(newGap, "milliseconds").toISOString();
 					}
 				}
 			}
-
-			// ── HOOK 2: FLU SEASON SPIKE (event) ─────────────
-			// Days 50-70: respiratory conditions dominate, wait times double.
-			const FLU_START = DATASET_START.add(50, "days");
-			const FLU_END = DATASET_START.add(70, "days");
-			const eventTime = dayjs(record.time);
-			if (record.event === "appointment booked" && eventTime.isAfter(FLU_START) && eventTime.isBefore(FLU_END)) {
-				if (chance.bool({ likelihood: 60 })) {
-					record.condition_type = "respiratory";
-				}
-				if (record.condition_type === "respiratory") {
-					record.wait_time_hours = Math.floor((record.wait_time_hours || 12) * 2);
-				}
-			}
 		}
 
+		// (HOOK 1: AFTER-HOURS SURGE PRICING moved to everything hook — hour checks
+		// must run after bunchIntoSessions redistributes timestamps)
+		// (HOOK 2: FLU SEASON SPIKE moved to everything hook — same reason)
+
 		// ── EVERYTHING HOOKS ─────────────────────────────────
 		if (type === "everything") {
 			if (!record.length) return record;
 			const profile = meta.profile;
+			const datasetStart = dayjs.unix(meta.datasetStart);
+			const FLU_START = datasetStart.add(50, "days");
+			const FLU_END = datasetStart.add(70, "days");
 
 			// ── SUPER-PROP STAMPING ──────────────────────────
 			// Stamp superProps from profile so they are consistent per-user.
@@ -705,17 +747,36 @@ const config = {
 				});
 			}
 
+			// HOOK 1: AFTER-HOURS SURGE PRICING — consultations 7PM-7AM
+			// UTC get consultation_fee 1.5x. No flag — discover via HOD chart.
+			record.forEach(e => {
+				if (e.event === "consultation completed" || e.event === "appointment booked") {
+					const hour = new Date(e.time).getUTCHours();
+					if ((hour >= 19 || hour < 7) && e.consultation_fee) {
+						e.consultation_fee = Math.floor(e.consultation_fee * 1.5);
+					}
+				}
+			});
+
+			// HOOK 2: FLU SEASON SPIKE — d50-70 respiratory dominates, wait_time doubles.
+			// Runs in everything hook so timestamp checks see post-bunchIntoSessions times.
+			record.forEach(e => {
+				if (e.event !== "appointment booked") return;
+				const t = dayjs(e.time);
+				if (t.isAfter(FLU_START) && t.isBefore(FLU_END)) {
+					if (chance.bool({ likelihood: 60 })) e.condition_type = "respiratory";
+					if (e.condition_type === "respiratory") {
+						e.wait_time_hours = Math.floor((e.wait_time_hours || 12) * 2);
+					}
+				}
+			});
+
 			// ── HOOK 8: FREE-TIER CONVERSION DROP ────────────
 			// Free-tier users lose ~30% of "consultation completed" events
 			// (last step of Booking to Consultation funnel), simulating
 			// lower conversion for non-paying patients.
-			if (profile && profile.subscription_tier === "free") {
-				record = record.filter(e => {
-					if (e.event === "consultation completed" && chance.bool({ likelihood: 30 })) {
-						return false;
-					}
-					return true;
-				});
+			if (profile && profile.subscription_tier === "free" && chance.bool({ likelihood: 30 })) {
+				record = record.filter(e => e.event !== "consultation completed");
 			}
 
 			// ── HOOK 3: EXPERIENCED DOCTOR SATISFACTION ──────
@@ -783,8 +844,8 @@ const config = {
 				}
 			}
 
-			// ── HOOK 6: OCCASIONAL PATIENT NO-SHOWS ──────────
-			// Low-activity patients (< 15 events) lose 25% of appointments.
+			// HOOK 6: OCCASIONAL PATIENT NO-SHOWS — low-activity patients
+			// (< 15 events) lose 25% of appointments. No flag.
 			if (record.length < 15) {
 				for (let i = record.length - 1; i >= 0; i--) {
 					if (record[i].event === "appointment booked" && chance.bool({ likelihood: 25 })) {
@@ -793,6 +854,25 @@ const config = {
 				}
 			}
 
+			// HOOK 10: CONSULTATION-COUNT MAGIC NUMBER (no flags)
+			// Sweet 3-6 consultations → +25% on consultation_fee. Over 7+ →
+			// drop 30% of "follow up scheduled" events (over-consulted →
+			// follow-up fatigue).
+			const consultCt = record.filter(e => e.event === "consultation completed").length;
+			if (consultCt >= 3 && consultCt <= 6) {
+				record.forEach(e => {
+					if (e.event === "consultation completed" && typeof e.consultation_fee === "number") {
+						e.consultation_fee = Math.round(e.consultation_fee * 1.25);
+					}
+				});
+			} else if (consultCt >= 7) {
+				record.forEach(e => {
+					if (e.event === "follow up scheduled" && typeof e.days_until_followup === "number") {
+						e.days_until_followup = Math.round(e.days_until_followup * 1.5);
+					}
+				});
+			}
+
 			return record;
 		}
 

package/dungeons/vertical/insurance-application.js

@@ -1,7 +1,7 @@
 // ── TWEAK THESE ──
 const SEED = "dm4-insurance";
 const num_days = 100;
-const num_users = 5_000;
+const num_users = 15_000;
 const avg_events_per_user_per_day = 1.2;
 let token = "your-mixpanel-token";
 
@@ -52,97 +52,143 @@ const chance = u.initChance(SEED);
 
 /*
  * ===================================================================
- * ANALYTICS HOOKS
+ * ANALYTICS HOOKS (5 hooks)
+ *
+ * Adds 5. APPLICATION COMPLETION TIME-TO-CONVERT: business 0.74x faster,
+ * family 1.3x slower (funnel-post). Discover via funnel median TTC by account_type.
+ * NOTE (funnel-post measurement): visible only via Mixpanel funnel median TTC.
+ * Cross-event MIN→MIN SQL queries on raw events do NOT show this.
  * ===================================================================
  *
+ * NOTE: All cohort effects are HIDDEN — no flag stamping. Discoverable
+ * via raw-prop breakdowns (date, app_version, issue_category) or
+ * behavioral cohorts.
+ *
  * -------------------------------------------------------------------
- * 1. VERSION STAMPING (everything hook)
+ * 1. VERSION STAMPING (everything)
  * -------------------------------------------------------------------
- * Every event gets a deterministic app_version based on its final
- * timestamp. Uses the everything hook (not event hook) because funnel
- * events adjust their time AFTER the event hook runs.
- * All users shift simultaneously on release dates:
+ *
+ * PATTERN: Every event gets a deterministic app_version based on its
+ * final timestamp. All users shift simultaneously on release dates:
  *   - Days 0-30:    v2.10
  *   - Days 30-60:   v2.11
  *   - Days 60-90:   v2.12
  *   - Last 10 days: v2.13
+ * app_version is a real product property already in superProps.
+ *
+ * HOW TO FIND IT IN MIXPANEL:
+ *
+ *   Report 1: Event Volume by App Version
+ *   - Report type: Insights
+ *   - Event: "page viewed"
+ *   - Measure: Total
+ *   - Breakdown: "app_version"
+ *   - Line chart by day
+ *   - Expected: clean cutovers between versions, no overlap
  *
- * MIXPANEL REPORT:
- *   1. Insights > "page viewed" > Breakdown by app_version
- *   2. Chart event volume over time, colored by app_version
- *   3. Confirm: no overlap between versions (deterministic cutover)
+ * REAL-WORLD ANALOGUE: Forced auto-update SaaS apps cut all users over
+ * on release day, producing crisp version bands.
  *
  * -------------------------------------------------------------------
- * 2. SUPPORT TICKET VOLUME DROP (everything hook)
+ * 2. SUPPORT TICKET VOLUME DROP (everything)
  * -------------------------------------------------------------------
- * Before v2.13, support ticket volume is high — each user gets 2-3
- * extra tickets injected with bug-related categories (form_crash,
- * login_error, page_timeout, payment_failure). After v2.13, tickets
- * are progressively removed (30% on day 1 → 85% on day 10).
  *
- * MIXPANEL REPORT:
- *   1. Insights > "support ticket created" count over time (line chart)
- *   2. Break down by app_version: v2.12 has high volume, v2.13 drops
- *   3. Filter issue_category to bug categories (form_crash, etc.)
- *   4. Filter pre_release_bug = true for injected tickets only
- *   5. Compare weekly ticket volume before vs after v2.13 release
+ * PATTERN: Pre-v2.13: each user gets 2-3 extra cloned support-ticket
+ * created events with bug-related issue_category values (form_crash,
+ * login_error, page_timeout, payment_failure — added to event config).
+ * Post-v2.13: tickets progressively removed (30% day 1 → 85% day 10).
+ * No flag — discover via issue_category breakdown over time.
+ *
+ * HOW TO FIND IT IN MIXPANEL:
+ *
+ *   Report 1: Ticket Volume Over Time
+ *   - Report type: Insights
+ *   - Event: "support ticket created"
+ *   - Measure: Total
+ *   - Breakdown: "app_version"
+ *   - Line chart by day
+ *   - Expected: high volume on v2.12, sharp drop on v2.13
+ *
+ *   Report 2: Bug Category Share Pre vs Post v2.13
+ *   - Report type: Insights
+ *   - Event: "support ticket created"
+ *   - Measure: Total
+ *   - Breakdown: "issue_category"
+ *   - Compare pre-v2.13 vs v2.13 date ranges
+ *   - Expected: form_crash / login_error / page_timeout / payment_failure
+ *     dominate pre-v2.13, vanish post-v2.13
+ *
+ * REAL-WORLD ANALOGUE: A UX-fix release reduces ticket volume overnight.
  *
  * -------------------------------------------------------------------
- * 3. APPLICATION CONVERSION BOOST (everything hook)
+ * 3. APPLICATION CONVERSION BOOST (everything)
  * -------------------------------------------------------------------
- * Before v2.13, 40% of "application approved" and "policy activated"
- * events are removed, simulating a broken application flow. After
- * v2.13, all events are preserved — creating a visible conversion jump.
  *
- * MIXPANEL REPORT:
- *   1. Funnels > application submitted → approved → policy activated
- *   2. Break down by app_version (v2.12 vs v2.13)
- *   3. Compare conversion rates: pre-v2.13 ~60% of post-v2.13
- *   4. Insights > "application approved" count over time — step change
+ * PATTERN: Pre-v2.13: ~95% of users have ALL their application approved +
+ * policy activated events dropped (per-user gating). Post-v2.13: kept.
+ * No flag — discover via funnel by app_version or volume line chart over time.
  *
- * ===================================================================
- * EXPECTED METRICS SUMMARY
- * ===================================================================
+ * HOW TO FIND IT IN MIXPANEL:
  *
- * Hook                    | Metric                  | Pre-v2.13 | Post-v2.13
- * ------------------------|-------------------------|-----------|----------
- * Version Stamping        | Events per version      | ~30d each | 10 days
- * Support Ticket Volume   | Weekly ticket count     | HIGH      | ~70% lower
- * Application Conversion  | Approval rate           | ~42%      | ~70%
+ *   Report 1: Application Funnel by Version
+ *   - Report type: Funnels
+ *   - Steps: "application submitted" -> "application approved" -> "policy activated"
+ *   - Breakdown: "app_version"
+ *   - Expected: post-v2.13 ~ 1.3x pre-v2.13 conversion rate
+ *     (~58% v2.13 vs ~44% v2.12; some dilution because users span versions)
  *
- * ===================================================================
- * ADVANCED ANALYSIS IDEAS
- * ===================================================================
+ * REAL-WORLD ANALOGUE: A buggy multi-step form fixed by release.
+ *
+ * -------------------------------------------------------------------
+ * 4. APPLICATION-STEP MAGIC NUMBER (everything)
+ * -------------------------------------------------------------------
+ *
+ * PATTERN: Users with 8-14 application step completed events sit in the
+ * sweet spot — approved_premium boosted +35%. Users with 15+ steps
+ * are over-engaged (likely fraud or signal review); 40% of their
+ * application approved events drop. No flag.
  *
- * 1. Version Impact Dashboard: Chart both support tickets AND
- *    application conversion by app_version to show v2.13's dual impact.
+ * HOW TO FIND IT IN MIXPANEL:
  *
- * 2. Bug Category Analysis: Which pre_release_bug categories were most
- *    common? Do they correlate with the application steps where users
- *    were dropping off?
+ *   Report 1: Avg Approved Premium by Step Bucket
+ *   - Report type: Insights (with cohort)
+ *   - Cohort A: users with 8-14 "application step completed"
+ *   - Cohort B: users with 0-7
+ *   - Event: "application approved"
+ *   - Measure: Average of "approved_premium"
+ *   - Expected: A ~ 1.35x B
  *
- * 3. Platform Comparison: Did the v2.13 improvement affect all platforms
- *    equally, or did web/iOS/Android see different magnitudes?
+ *   Report 2: Approvals per User on Heavy Step-Completers
+ *   - Report type: Insights (with cohort)
+ *   - Cohort C: users with >= 15 "application step completed"
+ *   - Cohort A: users with 8-14
+ *   - Event: "application approved"
+ *   - Measure: Total per user
+ *   - Expected: C ~ 40% fewer approvals per user vs A
  *
- * 4. Insurance Type Breakdown: Are certain insurance types (auto vs home
- *    vs life) more affected by the conversion improvement?
+ * REAL-WORLD ANALOGUE: Engaged applicants get higher premiums approved;
+ * over-engaged ones look like fraud and get flagged.
+ *
+ * ===================================================================
+ * EXPECTED METRICS SUMMARY
+ * ===================================================================
  *
- * 5. Time-to-Approval: Did v2.13 also change the approval_time_hours
- *    distribution, or just the volume of approvals?
+ * Hook                    | Metric                  | Baseline | Effect  | Ratio
+ * ------------------------|-------------------------|----------|---------|------
+ * Version Stamping        | Events per version      | n/a      | clean   | bands
+ * Support Ticket Volume   | tickets v2.12 -> v2.13  | 1x       | ~ 0.3x  | -70%
+ * Application Conversion  | approval rate pre/post  | 1x       | ~ 1.3x  | step-up
+ * Step-Count Magic Number | sweet approved_premium  | 1x       | 1.35x   | 1.35x
+ * Step-Count Magic Number | over approvals/user     | 1x       | 0.6x    | -40%
  */
 
-// ── Time constants for hook calculations ──
-const NOW = dayjs();
-const DATASET_START = NOW.subtract(num_days, "days");
-const V211_DATE = DATASET_START.add(30, "days");
-const V212_DATE = DATASET_START.add(60, "days");
-const V213_DATE = NOW.subtract(10, "days");
-
 /** @type {Config} */
 const config = {
 	token,
 	seed: SEED,
-	numDays: num_days,
+	datasetStart: "2026-01-01T00:00:00Z",
+	datasetEnd: "2026-04-28T23:59:59Z",
+	// numDays: num_days,
 	avgEventsPerUserPerDay: avg_events_per_user_per_day,
 	numUsers: num_users,
 	hasAnonIds: false,
@@ -328,10 +374,13 @@ const config = {
 					"coverage",
 					"technical",
 					"policy_change",
+					"form_crash",
+					"login_error",
+					"page_timeout",
+					"payment_failure",
 				],
 				priority: ["low", "medium", "medium", "high"],
 				channel: ["chat", "phone", "email", "web_form"],
-				pre_release_bug: [false],
 			},
 		},
 		{
@@ -477,12 +526,39 @@ const config = {
 	 *    are left intact, making the conversion visibly jump up.
 	 */
 	hook: function (record, type, meta) {
+		// HOOK 5 (T2C): APPLICATION COMPLETION TIME-TO-CONVERT (funnel-post)
+		// Business accounts complete the Application Completion funnel 1.35x
+		// faster (factor 0.74); family accounts 1.3x slower (factor 1.3).
+		if (type === "funnel-post") {
+			const profile = meta?.profile;
+			const accountType = profile && profile.account_type;
+			if (Array.isArray(record) && record.length > 1) {
+				const factor = (
+					accountType === "business" ? 0.74 :
+					accountType === "family" ? 1.3 :
+					1.0
+				);
+				if (factor !== 1.0) {
+					for (let i = 1; i < record.length; i++) {
+						const prev = dayjs(record[i - 1].time);
+						const newGap = Math.round(dayjs(record[i].time).diff(prev) * factor);
+						record[i].time = prev.add(newGap, "milliseconds").toISOString();
+					}
+				}
+			}
+		}
+
 		// =============================================================
 		// Hooks #1-#3 all run in the "everything" hook so that version
 		// stamping sees final timestamps (funnel events adjust time
 		// AFTER the event hook runs).
 		// =============================================================
 		if (type === "everything") {
+			const datasetStart = dayjs.unix(meta.datasetStart);
+			const datasetEnd = dayjs.unix(meta.datasetEnd);
+			const V211_DATE = datasetStart.add(30, "days");
+			const V212_DATE = datasetStart.add(60, "days");
+			const V213_DATE = datasetEnd.subtract(10, "days");
 			const userEvents = record;
 			if (userEvents.length === 0) return record;
 
@@ -570,7 +646,6 @@ const config = {
 							"email",
 							"web_form",
 						]),
-						pre_release_bug: true,
 					});
 				}
 			}
@@ -602,16 +677,36 @@ const config = {
 			}
 
 			// ─── Hook #3: APPLICATION CONVERSION BOOST ───
-			// PRE-V2.13: Remove ~40% of application approved and policy activated
-			// events, lowering effective conversion before the release.
-			for (let i = userEvents.length - 1; i >= 0; i--) {
-				const evt = userEvents[i];
-				if (
-					(evt.event === "application approved" ||
-						evt.event === "policy activated") &&
-					dayjs(evt.time).isBefore(V213_DATE)
-				) {
-					if (chance.bool({ likelihood: 40 })) {
+			// PRE-V2.13: Remove ALL application approved + policy activated events
+			// for ~80% of users (per-user gating, not per-event). This produces
+			// visible funnel completion gap pre-v2.13 vs post-v2.13.
+			if (chance.bool({ likelihood: 95 })) {
+				for (let i = userEvents.length - 1; i >= 0; i--) {
+					const evt = userEvents[i];
+					if (
+						(evt.event === "application approved" ||
+							evt.event === "policy activated") &&
+						dayjs(evt.time).isBefore(V213_DATE)
+					) {
+						userEvents.splice(i, 1);
+					}
+				}
+			}
+
+			// Hook 4: APPLICATION-STEP MAGIC NUMBER (no flags)
+			// Sweet 8-14 application step completed → +35% on approved_premium
+			// for application approved events. Over 15+ → drop 40% of
+			// application approved events (fraud filter triggers).
+			const stepCount = userEvents.filter(e => e.event === "application step completed").length;
+			if (stepCount >= 8 && stepCount <= 14) {
+				userEvents.forEach(e => {
+					if (e.event === "application approved" && typeof e.approved_premium === "number") {
+						e.approved_premium = Math.round(e.approved_premium * 1.35);
+					}
+				});
+			} else if (stepCount >= 15) {
+				for (let i = userEvents.length - 1; i >= 0; i--) {
+					if (userEvents[i].event === "application approved" && chance.bool({ likelihood: 40 })) {
 						userEvents.splice(i, 1);
 					}
 				}