{"ok":true,"source":"demo","testMode":true,"preview":true,"report":{"windowDays":7,"testMode":true,"sample":{"charges":920,"refunds":93,"disputes":2,"refundedAmountCents":254700,"disputedAmountCents":4800,"currency":"usd"},"refundRatePct":10.1,"disputeRatePct":0.2,"causes":[{"code":"unexpected_renewal","label":"Unexpected renewal","color":"#ea6a4e","count":39,"sharePct":41.1,"refundedAmountCents":74100},{"code":"not_as_described","label":"Not as described","color":"#f4be3e","count":21,"sharePct":22.1,"refundedAmountCents":60900},{"code":"couldnt_get_started","label":"Couldn't get started","color":"#17b98a","count":16,"sharePct":16.8,"refundedAmountCents":31400},{"code":"bug_or_poor_output","label":"Bug or poor output","color":"#6c4fc4","count":11,"sharePct":11.6,"refundedAmountCents":53900},{"code":"too_expensive","label":"Too expensive","color":"#8a9990","count":8,"sharePct":8.4,"refundedAmountCents":39200}],"topOpportunity":{"causeCode":"unexpected_renewal","causeLabel":"Unexpected renewal","sharePct":41.1,"recommendation":"Draft a trial-ending / renewal-reminder email sequence and a clearer pre-charge notice.","estimatedCredits":20},"ladder":{"recommendedLevel":"L3","rationale":"\"Unexpected renewal\" is a concentrated, well-evidenced cause (41.1% of 95 signals) — eligible for execute-with-approval (preview, credit cost, and rollback shown first)."},"recommendations":[{"id":"rec_unexpected_renewal","level":"L2","causeCode":"unexpected_renewal","causeLabel":"Unexpected renewal","title":"Draft the fix for \"Unexpected renewal\"","evidence":"39 of 95 refund/dispute signals (41.1%), $741.00 returned, over the last 7 days.","affectedSegment":"Trial-to-paid and renewing subscribers","confidence":"high","measure":"Share of refunds citing unexpected renewal declines over the next window.","estimatedCredits":20},{"id":"rec_not_as_described","level":"L1","causeCode":"not_as_described","causeLabel":"Not as described","title":"Recommend a fix for \"Not as described\"","evidence":"21 of 95 refund/dispute signals (22.1%), $609.00 returned, over the last 7 days.","affectedSegment":"Customers who refunded in-window","confidence":"high","measure":"\"Not as described\" refund share and rate decline.","estimatedCredits":16},{"id":"rec_couldnt_get_started","level":"L1","causeCode":"couldnt_get_started","causeLabel":"Couldn't get started","title":"Recommend a fix for \"Couldn't get started\"","evidence":"16 of 95 refund/dispute signals (16.8%), $314.00 returned, over the last 7 days.","affectedSegment":"Early-life customers (first session/activation)","confidence":"high","measure":"Activation rate rises and early-life refund share declines.","estimatedCredits":18}],"confidence":"high","confidenceReason":"95 refund/dispute signals across 920 charges — enough to act on cause concentration."}}