@ak--47/dungeon-master 1.4.2 → 1.4.3

package/dungeons/vertical/healthcare.js

@@ -13,6 +13,7 @@ import utc from "dayjs/plugin/utc.js";
 import "dotenv/config";
 import * as u from "../../lib/utils/utils.js";
 import * as v from "ak-tools";
+import { findFirstSequence, scaleFunnelTTC } from "../../lib/hook-helpers/timing.js";
 
 dayjs.extend(utc);
 const chance = u.initChance(SEED);
@@ -110,7 +111,7 @@ const clinicIds = v.range(1, 25).map(() => `CLINIC_${v.uid(4)}`);
  * 3. EXPERIENCED DOCTOR SATISFACTION (everything hook)
  * ───────────────────────────────────────────────────────────────
  *
- * PATTERN: Users who had >50 consultation events get higher avg
+ * PATTERN: Users who had >12 consultation events get higher avg
  * satisfaction_score (boosted to 4.0-5.0 range) vs baseline 1-5.
  * Simulates experienced doctors earning better reviews.
  *
@@ -227,23 +228,26 @@ const clinicIds = v.range(1, 25).map(() => `CLINIC_${v.uid(4)}`);
  * and limited scheduling, reducing completed consultations.
  *
  * ───────────────────────────────────────────────────────────────
- * 9. BOOKING FUNNEL TIME-TO-CONVERT (funnel-post)
+ * 9. BOOKING FUNNEL TTC BY TIER (everything hook — property scaling)
  *
- * PATTERN: Premium tier completes Booking funnel 1.35x faster
- * (factor 0.74); Free tier 1.33x slower (factor 1.33).
+ * PATTERN: Premium users get shorter wait times and consultation
+ * durations (0.67x); Free users get longer (1.4x); Basic at 1.0x.
+ * Scales `wait_time_hours` on "appointment booked" and
+ * `duration_minutes` on "consultation completed".
  *
  * 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
+ *   Report 1: Wait Time by Subscription Tier
+ *   - Insights > "appointment booked"
+ *   - Measure: Average of "wait_time_hours"
  *   - Breakdown: subscription_tier
- *   - Expected: premium ~ 0.74x; free ~ 1.33x
+ *   - Expected: premium ~ 0.67x baseline; free ~ 1.4x baseline
  *
- *   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.
+ *   Report 2: Consultation Duration by Tier
+ *   - Insights > "consultation completed"
+ *   - Measure: Average of "duration_minutes"
+ *   - Breakdown: subscription_tier
+ *   - Expected: premium ~ 0.67x baseline; free ~ 1.4x baseline
  *
  * ───────────────────────────────────────────────────────────────
  * 10. CONSULTATION-COUNT MAGIC NUMBER (everything)
@@ -279,13 +283,13 @@ const clinicIds = v.range(1, 25).map(() => `CLINIC_${v.uid(4)}`);
  * ----------------------------|---------------------|----------|-----------|------
  * 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
+ * Experienced Doctor Sat.     | satisfaction_score  | ~2.0     | 4.0-5.0   | ~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
+ * Booking TTC by Tier          | wait_time/duration  | 1x       | 0.67/1.4x | ~ 2.1x 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%
  */
@@ -706,27 +710,6 @@ const config = {
 			}
 		}
 
-		// 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 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)
@@ -750,6 +733,33 @@ const config = {
 				});
 			}
 
+			// HOOK 9: BOOKING FUNNEL TTC BY TIER (property scaling)
+			// Premium users get shorter wait_time_hours (0.67x) and duration_minutes (0.67x).
+			// Free users get longer wait_time_hours (1.4x) and duration_minutes (1.4x).
+			// Basic users stay at baseline. SQL-measurable via AVG(wait_time_hours) broken by tier.
+			if (profile) {
+				const userTier = profile.subscription_tier;
+				const ttcFactor = userTier === "premium" ? 0.67 : userTier === "free" ? 1.4 : 1.0;
+				if (ttcFactor !== 1.0) {
+					// Timestamp shift: affects Mixpanel funnel TTC
+					const bookingSeq = findFirstSequence(
+						record,
+						["appointment booked", "consultation completed", "follow up scheduled"],
+						60 * 24 * 30
+					);
+					if (bookingSeq) scaleFunnelTTC(bookingSeq, ttcFactor);
+					// Property scale: affects Insights AVG reports
+					record.forEach(e => {
+						if (e.event === "appointment booked" && typeof e.wait_time_hours === "number") {
+							e.wait_time_hours = Math.round(e.wait_time_hours * ttcFactor * 10) / 10;
+						}
+						if (e.event === "consultation completed" && typeof e.duration_minutes === "number") {
+							e.duration_minutes = Math.round(e.duration_minutes * ttcFactor);
+						}
+					});
+				}
+			}
+
 			// HOOK 1: AFTER-HOURS SURGE PRICING — consultations 7PM-7AM
 			// UTC get consultation_fee 1.5x. No flag — discover via HOD chart.
 			record.forEach(e => {
@@ -783,13 +793,13 @@ const config = {
 			}
 
 			// ── HOOK 3: EXPERIENCED DOCTOR SATISFACTION ──────
-			// Users with >50 consultation events get boosted satisfaction scores.
+			// Users with >12 consultation events get boosted satisfaction scores.
 			let consultCount = 0;
 			record.forEach(e => {
 				if (e.event === "consultation completed") consultCount++;
 			});
 
-			if (consultCount > 50) {
+			if (consultCount > 12) {
 				record.forEach(e => {
 					if (e.event === "consultation completed") {
 						e.satisfaction_score = chance.floating({ min: 4.0, max: 5.0, fixed: 1 });

package/dungeons/vertical/insurance-application.js

@@ -31,6 +31,9 @@ const chance = u.initChance(SEED);
  *
  * - 5,000 users over 100 days
  * - 600,000 events across 18 event types
+ * - 10 hooks (version stamping, ticket volume, conversion boost, magic number,
+ *   TTC scaling, claims experiment, risk approval, doc upload retention,
+ *   renewal spike, claim-to-premium)
  * - 5 funnels (onboarding, application, approval, claims, renewal)
  * - 5 insurance types as super property (auto, home, life, health, renters)
  * - Deterministic app versioning (2.10 → 2.11 → 2.12 → 2.13)
@@ -52,12 +55,13 @@ const chance = u.initChance(SEED);
 
 /*
  * ===================================================================
- * ANALYTICS HOOKS (5 hooks)
+ * ANALYTICS HOOKS (10 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.
+ * Hooks 1-5: Version stamping, support ticket volume drop, application
+ * conversion boost, step-count magic number, application TTC by account type.
+ *
+ * Hooks 6-10: Claims experiment, risk profile approval gating, document
+ * upload retention, end-of-quarter renewal spike, claim-to-premium increase.
  * ===================================================================
  *
  * NOTE: All cohort effects are HIDDEN — no flag stamping. Discoverable
@@ -169,6 +173,150 @@ const chance = u.initChance(SEED);
  * REAL-WORLD ANALOGUE: Engaged applicants get higher premiums approved;
  * over-engaged ones look like fraud and get flagged.
  *
+ * -------------------------------------------------------------------
+ * 5. APPLICATION COMPLETION TIME-TO-CONVERT (everything)
+ * -------------------------------------------------------------------
+ *
+ * PATTERN: In the everything hook, place each "application approved"
+ * event at a fixed target offset from the first "application started"
+ * event, determined by account_type (assigned via deterministic hash):
+ *   - business:   ~36h target offset (~0.75x baseline)
+ *   - individual: ~48h target offset (baseline)
+ *   - family:     ~63h target offset (~1.31x baseline)
+ *
+ * HOW TO FIND IT IN MIXPANEL:
+ *
+ *   Report 1: Application Funnel TTC by Account Type
+ *   - Report type: Funnels
+ *   - Steps: "application started" → "application approved"
+ *   - Breakdown: account_type (from account created event)
+ *   - Measure: Median time to convert
+ *   - Expected: business < individual < family
+ *
+ * REAL-WORLD ANALOGUE: Business applicants have streamlined processes
+ * and pre-filled forms; family policies require more documentation.
+ *
+ * -------------------------------------------------------------------
+ * 6. CLAIMS PROCESS EXPERIMENT (funnel config — no hook code)
+ * -------------------------------------------------------------------
+ *
+ * PATTERN: A/B experiment on the Claims Process funnel. The engine
+ * fires $experiment_started events and applies conversion/TTC
+ * multipliers automatically. "Simplified Claims" variant gets 1.3x
+ * conversion and 0.8x time-to-convert. Experiment runs in the last
+ * 35 days of the dataset.
+ *
+ * HOW TO FIND IT IN MIXPANEL:
+ *
+ *   Report 1: Experiment Results
+ *   - Report type: Funnels
+ *   - Steps: "claim filed" -> "claim status checked" -> "support ticket created"
+ *   - Breakdown: "Variant name"
+ *   - Date range: last 35 days of dataset
+ *   - Expected: "Simplified Claims" has ~1.3x conversion vs "Control"
+ *
+ *   Report 2: Experiment Started Events
+ *   - Report type: Insights
+ *   - Event: "$experiment_started"
+ *   - Breakdown: "Variant name"
+ *   - Expected: roughly equal distribution between Control and Simplified Claims
+ *
+ * REAL-WORLD ANALOGUE: A/B testing a simplified claims flow to reduce
+ * friction and improve completion rates.
+ *
+ * -------------------------------------------------------------------
+ * 7. RISK PROFILE AFFECTS APPROVAL (funnel-pre)
+ * -------------------------------------------------------------------
+ *
+ * PATTERN: In the funnel-pre hook, low-risk users get 1.8x approval
+ * funnel conversion (capped at 95%), high-risk users get 0.3x.
+ * Medium-risk users are unchanged.
+ *
+ * HOW TO FIND IT IN MIXPANEL:
+ *
+ *   Report 1: Application Approval Funnel by Risk Profile
+ *   - Report type: Funnels
+ *   - Steps: "application submitted" -> "application approved" -> "policy activated"
+ *   - Breakdown: "risk_profile" (user property)
+ *   - Expected: low >> medium >> high conversion rates
+ *
+ * REAL-WORLD ANALOGUE: Underwriting engines auto-approve low-risk
+ * applicants and require manual review for high-risk ones.
+ *
+ * -------------------------------------------------------------------
+ * 8. DOCUMENT UPLOAD RETENTION (everything — retention magic number)
+ * -------------------------------------------------------------------
+ *
+ * PATTERN: Users who upload 3+ documents in their first 14 days
+ * retain normally. Users with fewer uploads lose 75% of events after
+ * day 30. Only affects born-in-dataset users.
+ *
+ * HOW TO FIND IT IN MIXPANEL:
+ *
+ *   Report 1: Retention by Document Upload Cohort
+ *   - Report type: Retention
+ *   - Starting event: "account created"
+ *   - Return event: any event
+ *   - Cohort A: users with >= 3 "document uploaded" in first 14 days
+ *   - Cohort B: users with < 3 "document uploaded" in first 14 days
+ *   - Expected: Cohort A retains well past day 30; Cohort B drops off sharply
+ *
+ *   Report 2: Post-Day-30 Event Volume
+ *   - Report type: Insights
+ *   - Event: all events
+ *   - Compare doc-uploader cohort vs non-uploader
+ *   - Expected: non-uploaders have ~75% fewer events after day 30
+ *
+ * REAL-WORLD ANALOGUE: Users who complete onboarding paperwork early
+ * are invested in the product and retain; those who don't churn.
+ *
+ * -------------------------------------------------------------------
+ * 9. END-OF-QUARTER RENEWAL SPIKE (everything — temporal)
+ * -------------------------------------------------------------------
+ *
+ * PATTERN: Days 85-95 of the dataset get 3x renewal completed events
+ * and 2x coverage reviewed events via cloning. Simulates end-of-quarter
+ * policy renewal batch processing.
+ *
+ * HOW TO FIND IT IN MIXPANEL:
+ *
+ *   Report 1: Renewal Volume Over Time
+ *   - Report type: Insights
+ *   - Event: "renewal completed"
+ *   - Measure: Total
+ *   - Line chart by day
+ *   - Expected: visible spike at days 85-95, ~3x baseline volume
+ *
+ *   Report 2: Coverage Review Spike
+ *   - Report type: Insights
+ *   - Event: "coverage reviewed"
+ *   - Line chart by day
+ *   - Expected: ~2x volume during days 85-95
+ *
+ * REAL-WORLD ANALOGUE: Insurance companies batch-process renewals at
+ * quarter-end, producing predictable volume spikes.
+ *
+ * -------------------------------------------------------------------
+ * 10. CLAIM-TO-PREMIUM INCREASE (event — closure Map)
+ * -------------------------------------------------------------------
+ *
+ * PATTERN: After a user files a claim, their next "payment made" event
+ * gets premium_amount doubled (2.0x). Uses a module-level Map to
+ * track state across events. The Map entry is consumed (deleted) on
+ * the first payment after the claim, so the effect is one-shot.
+ *
+ * HOW TO FIND IT IN MIXPANEL:
+ *
+ *   Report 1: Average Premium After Claim
+ *   - Report type: Insights
+ *   - Event: "payment made"
+ *   - Measure: Average of "premium_amount"
+ *   - Cohort A: users who did "claim filed" before
+ *   - Cohort B: users who never filed a claim
+ *   - Expected: Cohort A premium_amount ~ 2.0x Cohort B
+ *
+ * REAL-WORLD ANALOGUE: Insurance premiums increase after filing a claim.
+ *
  * ===================================================================
  * EXPECTED METRICS SUMMARY
  * ===================================================================
@@ -180,8 +328,20 @@ const chance = u.initChance(SEED);
  * 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%
+ * Application TTC         | business vs individual  | 1x       | 0.74x   | faster
+ * Application TTC         | family vs individual    | 1x       | 1.3x    | slower
+ * Claims Experiment       | simplified vs control   | 1x       | 1.3x    | +30%
+ * Risk Profile Approval   | low vs medium conv rate | 1x       | 1.8x    | +80%
+ * Risk Profile Approval   | high vs medium conv rate| 1x       | 0.3x    | -70%
+ * Document Upload Ret.    | post-d30 non-uploaders  | 1x       | 0.25x   | -75%
+ * Renewal Spike           | renewals d85-95 vs base | 1x       | 3x      | +200%
+ * Renewal Spike           | reviews d85-95 vs base  | 1x       | 2x      | +100%
+ * Claim-to-Premium        | premium after claim     | 1x       | 2.0x    | +100%
  */
 
+// ── H10 closure state: tracks users who filed a claim ──
+const claimFilers = new Map();
+
 /** @type {Config} */
 const config = {
 	version: 2,
@@ -364,6 +524,7 @@ const config = {
 			properties: {
 				payment_method: ["credit_card", "bank_transfer", "auto_pay", "check"],
 				amount: u.weighNumRange(30, 800, 0.3, 150),
+				premium_amount: u.weighNumRange(50, 600, 0.3, 150),
 				payment_status: ["success", "success", "success", "success", "failed"],
 			},
 		},
@@ -477,6 +638,14 @@ const config = {
 			conversionRate: 50,
 			timeToConvert: 24,
 			weight: 2,
+			experiment: {
+				name: "Simplified Claims Flow",
+				variants: [
+					{ name: "Control" },
+					{ name: "Simplified Claims", conversionMultiplier: 1.3, ttcMultiplier: 0.8 },
+				],
+				startDaysBeforeEnd: 35,
+			},
 		},
 		{
 			name: "Policy Renewal",
@@ -508,53 +677,50 @@ const config = {
 
 	// ── Hook Function ──
 	/**
-	 * ARCHITECTED ANALYTICS HOOKS
-	 *
-	 * This hook function creates 3 deliberate patterns in the data:
-	 *
-	 * 1. VERSION STAMPING (everything): Every event gets a deterministic app_version
-	 *    based on its final timestamp. v2.10 → v2.11 → v2.12 → v2.13.
-	 *    All users shift simultaneously on release dates. Uses the everything
-	 *    hook (not event hook) because funnel events adjust time after the
-	 *    event hook runs.
+	 * ARCHITECTED ANALYTICS HOOKS (10 total)
 	 *
-	 * 2. SUPPORT TICKET VOLUME (everything): Pre-v2.13 period has inflated
-	 *    support ticket volume (2-3 extra tickets per user with bug-related
-	 *    categories). Post-v2.13, tickets are progressively removed — creating
-	 *    a clear volume drop that trends downward.
+	 * This hook function creates 10 deliberate patterns in the data:
 	 *
-	 * 3. APPLICATION CONVERSION BOOST (everything): Pre-v2.13, ~40% of
-	 *    application approved and policy activated events are removed,
-	 *    lowering the effective funnel conversion rate. Post-v2.13 events
-	 *    are left intact, making the conversion visibly jump up.
+	 * 1. VERSION STAMPING (everything): Deterministic app_version based on timestamp.
+	 * 2. SUPPORT TICKET VOLUME (everything): Inflated pre-v2.13, progressive drop post.
+	 * 3. APPLICATION CONVERSION BOOST (everything): Pre-v2.13 approval drop.
+	 * 4. STEP-COUNT MAGIC NUMBER (everything): 8-14 steps = +35% premium; 15+ = -40% approvals.
+	 * 5. APPLICATION TTC (everything): Business 0.74x faster, family 1.3x slower.
+	 * 6. CLAIMS EXPERIMENT (funnel config): A/B test on claims funnel (engine-handled).
+	 * 7. RISK PROFILE APPROVAL (funnel-pre): Low-risk 1.8x, high-risk 0.3x conversion.
+	 * 8. DOCUMENT UPLOAD RETENTION (everything): 3+ uploads in 14d = retain; else -75% post-d30.
+	 * 9. RENEWAL SPIKE (everything): Days 85-95 get 3x renewals, 2x coverage reviews.
+	 * 10. CLAIM-TO-PREMIUM (event): Premium 2.0x on first payment after claim filed.
 	 */
 	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();
-					}
-				}
+		// =============================================================
+		// H7: RISK PROFILE AFFECTS APPROVAL (funnel-pre)
+		// =============================================================
+		if (type === "funnel-pre") {
+			const isApprovalFunnel = meta.funnel?.sequence?.includes("application approved");
+			if (isApprovalFunnel) {
+				const risk = meta.profile?.risk_profile;
+				if (risk === "low") record.conversionRate = Math.min(95, Math.round(record.conversionRate * 1.8));
+				else if (risk === "high") record.conversionRate = Math.round(record.conversionRate * 0.3);
 			}
 		}
 
 		// =============================================================
-		// 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).
+		// H10: CLAIM-TO-PREMIUM INCREASE (event — closure Map)
+		// =============================================================
+		if (type === "event") {
+			if (record.event === "claim filed") {
+				claimFilers.set(record.user_id, true);
+			}
+			if (record.event === "payment made" && claimFilers.has(record.user_id)) {
+				record.premium_amount = Math.round((record.premium_amount || 500) * 2.0);
+				claimFilers.delete(record.user_id);
+			}
+		}
+
+		// =============================================================
+		// Everything hooks: H5 first (timestamps), then H2-H4, then
+		// H8-H9, then H1 (version stamping LAST).
 		// =============================================================
 		if (type === "everything") {
 			const datasetStart = dayjs.unix(meta.datasetStart);
@@ -573,27 +739,61 @@ const config = {
 				e.app_version = profile.app_version;
 			});
 
-			// ─── Hook #1: VERSION STAMPING ───
-			// Deterministic app_version on every event based on its final timestamp.
-			// v2.10 (days 0-30) → v2.11 (30-60) → v2.12 (60-90) → v2.13 (last 10 days)
-			for (const evt of userEvents) {
-				const eventTime = dayjs(evt.time);
-				if (eventTime.isBefore(V211_DATE)) {
-					evt.app_version = "2.10";
-				} else if (eventTime.isBefore(V212_DATE)) {
-					evt.app_version = "2.11";
-				} else if (eventTime.isBefore(V213_DATE)) {
-					evt.app_version = "2.12";
-				} else {
-					evt.app_version = "2.13";
-				}
-			}
-
 			// Find a user_id from any existing event
 			const userId =
 				userEvents.find((e) => e.user_id)?.user_id ||
 				userEvents[0]?.device_id;
 
+			// ─── Hook #5: APPLICATION COMPLETION TIME-TO-CONVERT ───
+			// Runs FIRST: adjusts timestamps before version stamping.
+			// Business accounts complete the application funnel faster (0.74x),
+			// family accounts slower (1.3x). Individual stays at baseline.
+			// Assigns account_type deterministically per user via djb2 hash
+			// (independent of engine RNG). Places each "application approved"
+			// event at a fixed offset from the first "application started".
+			{
+				// djb2 hash of userId → deterministic cohort
+				let h = 5381;
+				for (let i = 0; i < userId.length; i++) {
+					h = ((h << 5) + h + userId.charCodeAt(i)) | 0;
+				}
+				const acctTypes = ["individual", "family", "business"];
+				const userAccountType = acctTypes[((h % 3) + 3) % 3];
+				// Stamp account created events with the deterministic type
+				for (const evt of userEvents) {
+					if (evt.event === "account created") {
+						evt.account_type = userAccountType;
+					}
+				}
+				userEvents.sort((a, b) => new Date(a.time) - new Date(b.time));
+				// Collect all "application started" times
+				const startedTimes = [];
+				for (const evt of userEvents) {
+					if (evt.event === "application started") {
+						startedTimes.push(dayjs(evt.time).valueOf());
+					}
+				}
+				if (startedTimes.length > 0) {
+					const firstStartTime = startedTimes[0];
+					// Target hours: biz=36, indiv=48, family=63
+					// Ratios: biz/indiv≈0.75, family/indiv≈1.31
+					const targetHours = (
+						userAccountType === "business" ? 36 :
+						userAccountType === "family" ? 63 :
+						48
+					);
+					const targetMs = targetHours * 3600000;
+					for (const evt of userEvents) {
+						if (evt.event !== "application approved") continue;
+						const evtTime = dayjs(evt.time).valueOf();
+						const origGap = evtTime - firstStartTime;
+						// Small jitter from original gap (mod 4h) for variance
+						const jitter = origGap > 0 ? (origGap % (4 * 3600000)) : 0;
+						evt.time = dayjs(firstStartTime + targetMs + jitter).toISOString();
+					}
+				}
+			}
+
 			// ─── Hook #2: SUPPORT TICKET VOLUME ───
 			// PRE-V2.13: Inject 2-3 extra support tickets with bug-related categories
 			const preV213Tickets = userEvents.filter(
@@ -715,7 +915,88 @@ const config = {
 				}
 			}
 
-			// Sort events by time after injection/removal
+			// ─── Hook #8: DOCUMENT UPLOAD RETENTION ───
+			// Users with 3+ "document uploaded" in first 14 days retain;
+			// others lose 75% of events post-day-30.
+			if (meta.userIsBornInDataset) {
+				const firstT = userEvents[0]?.time;
+				if (firstT) {
+					const window14 = dayjs(firstT).add(14, "days").toISOString();
+					const docUploads = userEvents.filter(
+						(e) => e.event === "document uploaded" && e.time <= window14
+					).length;
+					if (docUploads < 3) {
+						const cutoff = dayjs(firstT).add(30, "days");
+						for (let i = userEvents.length - 1; i >= 0; i--) {
+							if (
+								dayjs(userEvents[i].time).isAfter(cutoff) &&
+								chance.bool({ likelihood: 75 })
+							) {
+								userEvents.splice(i, 1);
+							}
+						}
+					}
+				}
+			}
+
+			// ─── Hook #9: END-OF-QUARTER RENEWAL SPIKE ───
+			// Days 85-95 get 3x renewal clones + 2x coverage reviewed clones
+			{
+				const spikeStart = datasetStart.add(85, "days");
+				const spikeEnd = datasetStart.add(95, "days");
+				const clones = [];
+				userEvents.forEach((e) => {
+					const t = dayjs(e.time);
+					if (t.isAfter(spikeStart) && t.isBefore(spikeEnd)) {
+						if (e.event === "renewal completed") {
+							for (let c = 0; c < 2; c++) {
+								clones.push({
+									...e,
+									time: t
+										.add(
+											chance.integer({ min: 5, max: 240 }),
+											"minutes"
+										)
+										.toISOString(),
+									insert_id: chance.guid(),
+								});
+							}
+						}
+						if (e.event === "coverage reviewed") {
+							clones.push({
+								...e,
+								time: t
+									.add(
+										chance.integer({ min: 5, max: 120 }),
+										"minutes"
+									)
+									.toISOString(),
+								insert_id: chance.guid(),
+							});
+						}
+					}
+				});
+				if (clones.length) userEvents.push(...clones);
+			}
+
+			// ─── Hook #1: VERSION STAMPING ───
+			// Runs LAST: stamps app_version based on FINAL timestamps
+			// (after Hook #5 TTC scaling has adjusted event times).
+			// v2.10 (days 0-30) → v2.11 (30-60) → v2.12 (60-90) → v2.13 (last 10 days)
+			for (const evt of userEvents) {
+				const eventTime = dayjs(evt.time);
+				if (eventTime.isBefore(V211_DATE)) {
+					evt.app_version = "2.10";
+				} else if (eventTime.isBefore(V212_DATE)) {
+					evt.app_version = "2.11";
+				} else if (eventTime.isBefore(V213_DATE)) {
+					evt.app_version = "2.12";
+				} else {
+					evt.app_version = "2.13";
+				}
+			}
+
+			// Sort events by time after injection/removal/shifting
 			userEvents.sort(
 				(a, b) => new Date(a.time) - new Date(b.time)
 			);