@ak--47/dungeon-master 1.5.3 → 1.6.0

package/dungeons/vertical/insurance-application.js

@@ -1,1039 +0,0 @@
-// ── IMPORTS ──
-import dayjs from "dayjs";
-import utc from "dayjs/plugin/utc.js";
-dayjs.extend(utc);
-import "dotenv/config";
-import * as u from "../../lib/utils/utils.js";
-/** @typedef {import("../../types").Dungeon} Config */
-
-// ── OVERVIEW ──
-/*
- * NAME:       SafeHaven Insurance
- * APP:        Modern insurance web application. Users browse coverage options,
- *             request quotes, complete multi-step applications, manage policies,
- *             file claims, and make premium payments. Spans auto / home / life /
- *             health / renters insurance types across web, iOS, and Android.
- * SCALE:      15,000 users, ~1.8M events, 121 days (2026-01-01 → 2026-05-01)
- * CORE LOOP:  account created → quote requested → application submitted → policy activated → payment made
- *
- * EVENTS (18):
- *   page viewed (10) > application step completed (6) > quote requested (5)
- *   > payment made (5) > quote received (4) > application started (4)
- *   > claim status checked (4) > support ticket created (4) > coverage reviewed (4)
- *   > document uploaded (3) > application submitted (3) > support ticket resolved (3)
- *   > application approved (2) > policy activated (2) > claim filed (2)
- *   > profile updated (2) > renewal completed (2) > account created (1)
- *
- * FUNNELS (5):
- *   - Onboarding:             account created → page viewed → quote requested (85%)
- *   - Application Completion: application started → step completed → document uploaded → application submitted (60%)
- *   - Application Approval:   application submitted → application approved → policy activated (70%)
- *   - Claims Process:         claim filed → claim status checked → support ticket created (50%, A/B experiment)
- *   - Policy Renewal:         coverage reviewed → payment made → renewal completed (65%)
- *
- * USER PROPS:  Platform, insurance_type, app_version, age_range, risk_profile, policy_count, lifetime_premium, preferred_contact
- * SUPER PROPS: Platform, insurance_type, app_version
- * SCD PROPS:   policy_status (pending/active/lapsed/renewed, monthly fuzzy, max 8)
- * GROUPS:      none
- */
-
-// ── HOOK STORIES ──
-/*
- * 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)
- * -------------------------------------------------------------------
- *
- * 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
- *
- * 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)
- * -------------------------------------------------------------------
- *
- * 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)
- * -------------------------------------------------------------------
- *
- * 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.
- *
- * HOW TO FIND IT IN MIXPANEL:
- *
- *   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)
- *
- * 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.
- *
- * HOW TO FIND IT IN MIXPANEL:
- *
- *   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
- *
- *   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
- *
- * 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
- * ===================================================================
- *
- * 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%
- * 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%
- */
-
-// ── SCALE ──
-const SEED = "dm4-insurance";
-const NUM_USERS = 15_000;
-const DATASET_START = "2026-01-01T00:00:00Z";
-const DATASET_END = "2026-05-01T23:59:59Z";
-const EVENTS_PER_DAY = 1.2;
-const token = process.env.MP_TOKEN || "your-mixpanel-token";
-
-const chance = u.initChance(SEED);
-
-// ── KNOBS (tweak these to reshape stories) ──
-// H1: Version stamping cutoffs (days from datasetStart / before datasetEnd)
-const V211_DAY = 30;
-const V212_DAY = 60;
-const V213_DAYS_BEFORE_END = 10;
-
-// H2: Support ticket volume
-const TICKET_INJECT_MIN = 2;
-const TICKET_INJECT_MAX = 3;
-const TICKET_REMOVAL_BASE_PCT = 30;
-const TICKET_REMOVAL_PER_DAY_PCT = 5.5;
-const TICKET_REMOVAL_CAP_PCT = 85;
-
-// H3: Application conversion boost
-const PRE_V213_APPROVAL_DROP_LIKELIHOOD = 95;
-
-// H4: Application-step magic number
-const STEP_SWEET_MIN = 8;
-const STEP_SWEET_MAX = 14;
-const STEP_OVER_THRESHOLD = 15;
-const STEP_PREMIUM_BOOST = 1.35;
-const STEP_OVER_DROP_LIKELIHOOD = 40;
-
-// H5: Application TTC target offsets (hours from first application started)
-const TTC_BUSINESS_HOURS = 36;
-const TTC_INDIVIDUAL_HOURS = 48;
-const TTC_FAMILY_HOURS = 63;
-
-// H7: Risk profile approval multipliers
-const RISK_LOW_CONV_MULT = 1.8;
-const RISK_HIGH_CONV_MULT = 0.3;
-const RISK_CONV_CAP = 95;
-
-// H8: Document upload retention
-const DOC_RETENTION_MIN = 3;
-const DOC_RETENTION_WINDOW_DAYS = 14;
-const DOC_RETENTION_CUTOFF_DAYS = 30;
-const DOC_RETENTION_DROP_LIKELIHOOD = 75;
-
-// H9: End-of-quarter renewal spike (days from datasetStart)
-const RENEWAL_SPIKE_START_DAY = 85;
-const RENEWAL_SPIKE_END_DAY = 95;
-const RENEWAL_CLONE_COUNT = 2;       // 2 extra clones per renewal → 3x volume
-const COVERAGE_CLONE_COUNT = 1;      // 1 extra clone per coverage review → 2x volume
-
-// H10: Claim-to-premium increase
-const POST_CLAIM_PREMIUM_MULT = 2.0;
-
-// ── HOOK STATE ──
-// H10 closure: tracks users who filed a claim (one-shot consumption)
-const claimFilers = new Map();
-
-// ── HELPER FUNCTIONS ──
-function handleFunnelPreHooks(record, meta) {
-	// H7: RISK PROFILE AFFECTS APPROVAL — low-risk 1.8x, high-risk 0.3x conversion
-	const isApprovalFunnel = meta.funnel?.sequence?.includes("application approved");
-	if (isApprovalFunnel) {
-		const risk = meta.profile?.risk_profile;
-		if (risk === "low") record.conversionRate = Math.min(RISK_CONV_CAP, Math.round(record.conversionRate * RISK_LOW_CONV_MULT));
-		else if (risk === "high") record.conversionRate = Math.round(record.conversionRate * RISK_HIGH_CONV_MULT);
-	}
-	return record;
-}
-
-function handleEventHooks(record) {
-	// H10: CLAIM-TO-PREMIUM INCREASE — premium doubled on first payment after claim
-	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) * POST_CLAIM_PREMIUM_MULT);
-		claimFilers.delete(record.user_id);
-	}
-	return record;
-}
-
-function handleEverythingHooks(record, meta) {
-	const datasetStart = dayjs.unix(meta.datasetStart);
-	const datasetEnd = dayjs.unix(meta.datasetEnd);
-	const V211_DATE = datasetStart.add(V211_DAY, "days");
-	const V212_DATE = datasetStart.add(V212_DAY, "days");
-	const V213_DATE = datasetEnd.subtract(V213_DAYS_BEFORE_END, "days");
-	const userEvents = record;
-	if (userEvents.length === 0) return record;
-
-	// Stamp superProps from profile for consistency
-	const profile = meta.profile;
-	userEvents.forEach(e => {
-		e.Platform = profile.Platform;
-		e.insurance_type = profile.insurance_type;
-		e.app_version = profile.app_version;
-	});
-
-	// 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" ? TTC_BUSINESS_HOURS :
-				userAccountType === "family" ? TTC_FAMILY_HOURS :
-				TTC_INDIVIDUAL_HOURS
-			);
-			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(
-		(e) =>
-			e.event === "support ticket created" &&
-			dayjs(e.time).isBefore(V213_DATE)
-	);
-
-	if (preV213Tickets.length > 0) {
-		const extraCount = chance.integer({ min: TICKET_INJECT_MIN, max: TICKET_INJECT_MAX });
-		const bugCategories = [
-			"form_crash",
-			"login_error",
-			"page_timeout",
-			"payment_failure",
-		];
-
-		for (let i = 0; i < extraCount; i++) {
-			// Pick a random pre-v2.13 ticket to base timing on
-			const sourceTicket = chance.pickone(preV213Tickets);
-			const sourceTime = dayjs(sourceTicket.time);
-			// Offset by a few hours to days
-			const offsetHours = chance.integer({ min: 1, max: 72 });
-			let newTime = sourceTime.add(offsetHours, "hours");
-			// Ensure it stays before v2.13
-			if (newTime.isAfter(V213_DATE)) {
-				newTime = V213_DATE.subtract(
-					chance.integer({ min: 1, max: 48 }),
-					"hours"
-				);
-			}
-
-			// Compute app_version for injected event
-			let injectedVersion;
-			if (newTime.isBefore(V211_DATE)) {
-				injectedVersion = "2.10";
-			} else if (newTime.isBefore(V212_DATE)) {
-				injectedVersion = "2.11";
-			} else {
-				injectedVersion = "2.12"; // always pre-v2.13
-			}
-
-			userEvents.push({
-				...sourceTicket,
-				time: newTime.toISOString(),
-				user_id: userId,
-				app_version: injectedVersion,
-				issue_category: chance.pickone(bugCategories),
-				priority: chance.pickone(["medium", "high", "high"]),
-				channel: chance.pickone([
-					"chat",
-					"phone",
-					"email",
-					"web_form",
-				]),
-			});
-		}
-	}
-
-	// POST-V2.13: Remove support tickets with increasing probability
-	// Day 1 after release: ~30% removal
-	// Day 5: ~60% removal
-	// Day 10: ~85% removal
-	for (let i = userEvents.length - 1; i >= 0; i--) {
-		const evt = userEvents[i];
-		if (evt.event === "support ticket created") {
-			const evtTime = dayjs(evt.time);
-			if (evtTime.isAfter(V213_DATE)) {
-				const daysSinceRelease = evtTime.diff(
-					V213_DATE,
-					"days",
-					true
-				);
-				// Linear ramp: 30% base + 5.5% per day → ~85% at day 10
-				const removalLikelihood = Math.min(
-					TICKET_REMOVAL_CAP_PCT,
-					TICKET_REMOVAL_BASE_PCT + daysSinceRelease * TICKET_REMOVAL_PER_DAY_PCT
-				);
-				if (chance.bool({ likelihood: removalLikelihood })) {
-					userEvents.splice(i, 1);
-				}
-			}
-		}
-	}
-
-	// ─── Hook #3: APPLICATION CONVERSION BOOST ───
-	// PRE-V2.13: Remove ALL application approved + policy activated events
-	// for ~95% 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: PRE_V213_APPROVAL_DROP_LIKELIHOOD })) {
-		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 >= STEP_SWEET_MIN && stepCount <= STEP_SWEET_MAX) {
-		userEvents.forEach(e => {
-			if (e.event === "application approved" && typeof e.approved_premium === "number") {
-				e.approved_premium = Math.round(e.approved_premium * STEP_PREMIUM_BOOST);
-			}
-		});
-	} else if (stepCount >= STEP_OVER_THRESHOLD) {
-		for (let i = userEvents.length - 1; i >= 0; i--) {
-			if (userEvents[i].event === "application approved" && chance.bool({ likelihood: STEP_OVER_DROP_LIKELIHOOD })) {
-				userEvents.splice(i, 1);
-			}
-		}
-	}
-
-	// ─── 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(DOC_RETENTION_WINDOW_DAYS, "days").toISOString();
-			const docUploads = userEvents.filter(
-				(e) => e.event === "document uploaded" && e.time <= window14
-			).length;
-			if (docUploads < DOC_RETENTION_MIN) {
-				const cutoff = dayjs(firstT).add(DOC_RETENTION_CUTOFF_DAYS, "days");
-				for (let i = userEvents.length - 1; i >= 0; i--) {
-					if (
-						dayjs(userEvents[i].time).isAfter(cutoff) &&
-						chance.bool({ likelihood: DOC_RETENTION_DROP_LIKELIHOOD })
-					) {
-						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(RENEWAL_SPIKE_START_DAY, "days");
-		const spikeEnd = datasetStart.add(RENEWAL_SPIKE_END_DAY, "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 < RENEWAL_CLONE_COUNT; c++) {
-						clones.push({
-							...e,
-							time: t
-								.add(
-									chance.integer({ min: 5, max: 240 }),
-									"minutes"
-								)
-								.toISOString(),
-							insert_id: chance.guid(),
-						});
-					}
-				}
-				if (e.event === "coverage reviewed") {
-					for (let c = 0; c < COVERAGE_CLONE_COUNT; c++) {
-						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)
-	);
-
-	return record;
-}
-
-// ── CONFIG ──
-/** @type {Config} */
-const config = {
-	version: 2,
-	seed: SEED,
-	datasetStart: DATASET_START,
-	datasetEnd: DATASET_END,
-	avgEventsPerUserPerDay: EVENTS_PER_DAY,
-	numUsers: NUM_USERS,
-	format: "json",
-	gzip: true,
-	credentials: {
-		token,
-	},
-	switches: {
-		hasSessionIds: true,
-		alsoInferFunnels: false,
-		hasLocation: true,
-		hasAndroidDevices: true,
-		hasIOSDevices: true,
-		hasDesktopDevices: true,
-		hasBrowser: false,
-		hasCampaigns: false,
-		isAnonymous: false,
-		hasAdSpend: false,
-		hasAvatar: true,
-	},
-	identity: {
-		avgDevicePerUser: 2,
-	},
-	concurrency: 1,
-	writeToDisk: false,
-
-	scdProps: {
-		policy_status: {
-			values: ["pending", "active", "lapsed", "renewed"],
-			frequency: "month",
-			timing: "fuzzy",
-			max: 8
-		}
-	},
-	mirrorProps: {},
-	lookupTables: [],
-
-	events: [
-		{
-			event: "account created",
-			weight: 1,
-			isFirstEvent: true,
-			isAuthEvent: true,
-			properties: {
-				signup_source: ["web", "mobile", "agent_referral", "partner"],
-				account_type: ["individual", "family", "business"],
-			},
-		},
-		{
-			event: "page viewed",
-			weight: 10,
-			properties: {
-				page_name: [
-					"home",
-					"quotes",
-					"coverage_options",
-					"claims",
-					"faq",
-					"profile",
-					"payment",
-					"documents",
-				],
-				referrer: ["direct", "google", "email", "social_media"],
-			},
-		},
-		{
-			event: "quote requested",
-			weight: 5,
-			properties: {
-				coverage_level: ["basic", "standard", "premium"],
-				deductible: u.weighNumRange(250, 5000, 0.5, 1000),
-			},
-		},
-		{
-			event: "quote received",
-			weight: 4,
-			properties: {
-				monthly_premium: u.weighNumRange(30, 800, 0.3, 150),
-				coverage_amount: u.weighNumRange(10000, 500000, 0.3, 100000),
-				quote_comparison_count: u.weighNumRange(1, 5, 0.5, 2),
-			},
-		},
-		{
-			event: "application started",
-			weight: 4,
-			isStrictEvent: false,
-			properties: {
-				coverage_level: ["basic", "standard", "premium"],
-				estimated_premium: u.weighNumRange(30, 800, 0.3, 150),
-			},
-		},
-		{
-			event: "application step completed",
-			weight: 6,
-			isStrictEvent: false,
-			properties: {
-				step_name: [
-					"personal_info",
-					"coverage_selection",
-					"medical_history",
-					"vehicle_info",
-					"beneficiary",
-					"review",
-				],
-				step_number: u.weighNumRange(1, 6),
-				time_on_step_sec: u.weighNumRange(15, 600, 0.3, 90),
-			},
-		},
-		{
-			event: "document uploaded",
-			weight: 3,
-			isStrictEvent: false,
-			properties: {
-				document_type: [
-					"drivers_license",
-					"proof_of_address",
-					"vehicle_registration",
-					"medical_records",
-					"property_photos",
-				],
-				file_size_kb: u.weighNumRange(50, 5000, 0.5, 500),
-			},
-		},
-		{
-			event: "application submitted",
-			weight: 3,
-			properties: {
-				documents_attached: u.weighNumRange(1, 5, 0.5, 2),
-				application_time_min: u.weighNumRange(5, 60, 0.3, 15),
-			},
-		},
-		{
-			event: "application approved",
-			weight: 2,
-			isStrictEvent: false,
-			properties: {
-				approved_premium: u.weighNumRange(30, 800, 0.3, 150),
-				approval_time_hours: u.weighNumRange(1, 72, 0.5, 24),
-			},
-		},
-		{
-			event: "policy activated",
-			weight: 2,
-			isStrictEvent: false,
-			properties: {
-				policy_term_months: [6, 12, 12, 12, 24],
-				effective_date_offset_days: u.weighNumRange(0, 30, 0.5, 7),
-			},
-		},
-		{
-			event: "claim filed",
-			weight: 2,
-			isStrictEvent: false,
-			properties: {
-				claim_type: [
-					"collision",
-					"theft",
-					"water_damage",
-					"fire",
-					"medical",
-					"liability",
-				],
-				estimated_amount: u.weighNumRange(100, 50000, 0.3, 3000),
-			},
-		},
-		{
-			event: "claim status checked",
-			weight: 4,
-			properties: {
-				claim_status: [
-					"submitted",
-					"under_review",
-					"approved",
-					"denied",
-					"payment_pending",
-				],
-				days_since_filed: u.weighNumRange(1, 60, 0.5, 10),
-			},
-		},
-		{
-			event: "payment made",
-			weight: 5,
-			isStrictEvent: false,
-			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"],
-			},
-		},
-		{
-			event: "support ticket created",
-			weight: 4,
-			isStrictEvent: false,
-			properties: {
-				issue_category: [
-					"billing",
-					"claims",
-					"coverage",
-					"technical",
-					"policy_change",
-					"form_crash",
-					"login_error",
-					"page_timeout",
-					"payment_failure",
-				],
-				priority: ["low", "medium", "medium", "high"],
-				channel: ["chat", "phone", "email", "web_form"],
-			},
-		},
-		{
-			event: "support ticket resolved",
-			weight: 3,
-			properties: {
-				resolution_type: [
-					"self_service",
-					"agent_assisted",
-					"escalated",
-					"auto_resolved",
-				],
-				satisfaction_score: u.weighNumRange(1, 5, 1, 4),
-				resolution_time_hours: u.weighNumRange(0.5, 72, 0.3, 8),
-			},
-		},
-		{
-			event: "coverage reviewed",
-			weight: 4,
-			isStrictEvent: false,
-			properties: {
-				current_premium: u.weighNumRange(30, 800, 0.3, 150),
-				coverage_adequate: [true, true, true, false],
-			},
-		},
-		{
-			event: "profile updated",
-			weight: 2,
-			properties: {
-				field_updated: [
-					"address",
-					"phone",
-					"email",
-					"beneficiary",
-					"payment_method",
-					"vehicle_info",
-				],
-			},
-		},
-		{
-			event: "renewal completed",
-			weight: 2,
-			isStrictEvent: false,
-			properties: {
-				renewal_premium: u.weighNumRange(30, 800, 0.3, 150),
-				premium_change_pct: u.weighNumRange(-15, 20, 1, 3),
-				auto_renewed: [true, true, false],
-			},
-		},
-	],
-
-	funnels: [
-		{
-			name: "Onboarding",
-			sequence: ["account created", "page viewed", "quote requested"],
-			isFirstFunnel: true,
-			conversionRate: 85,
-			timeToConvert: 0.5,
-		},
-		{
-			name: "Application Completion",
-			sequence: [
-				"application started",
-				"application step completed",
-				"document uploaded",
-				"application submitted",
-			],
-			conversionRate: 60,
-			timeToConvert: 48,
-			weight: 4,
-			order: "sequential",
-		},
-		{
-			name: "Application Approval",
-			sequence: [
-				"application submitted",
-				"application approved",
-				"policy activated",
-			],
-			conversionRate: 70,
-			timeToConvert: 72,
-			weight: 3,
-			order: "sequential",
-		},
-		{
-			name: "Claims Process",
-			sequence: [
-				"claim filed",
-				"claim status checked",
-				"support ticket created",
-			],
-			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",
-			sequence: ["coverage reviewed", "payment made", "renewal completed"],
-			conversionRate: 65,
-			timeToConvert: 72,
-			weight: 3,
-		},
-	],
-
-	superProps: {
-		Platform: ["web", "ios", "android"],
-		insurance_type: ["auto", "home", "life", "health", "renters"],
-		app_version: ["2.10"],
-	},
-
-	userProps: {
-		Platform: ["web", "ios", "android"],
-		insurance_type: ["auto", "home", "life", "health", "renters"],
-		app_version: ["2.10"],
-		age_range: ["18-25", "26-35", "36-45", "46-55", "56-65", "65+"],
-		risk_profile: ["low", "medium", "high"],
-		policy_count: u.weighNumRange(0, 5, 0.5, 1),
-		lifetime_premium: u.weighNumRange(0, 50000, 0.3, 5000),
-		preferred_contact: ["email", "phone", "app_notification"],
-	},
-
-	hook(record, type, meta) {
-		if (type === "funnel-pre") return handleFunnelPreHooks(record, meta);
-		if (type === "event") return handleEventHooks(record);
-		if (type === "everything") return handleEverythingHooks(record, meta);
-		return record;
-	},
-};
-
-export default config;