{
  "dataset": {
    "total_rows": 2697,
    "unique_orders": 2697,
    "unique_buyers": 575,
    "unique_sellers": 199,
    "refund_requests": 297,
    "approved_refunds": 228,
    "refund_requesting_buyers": 123,
    "date_start": "2025-03-01",
    "date_end": "2026-03-15"
  },
  "buckets": {
    "requested_usd": 30459.34,
    "approved_usd": 22413.15,
    "denied_usd": 8046.19,
    "gameable_approved_usd": 22326.04,
    "observed_order_value_usd": 278177.01,
    "approved_over_observed_pct": 8.06,
    "gameable_share_of_approved_pct": 99.61
  },
  "concentration": {
    "top_decile": {
      "n_buyers": 12,
      "approved_dollars": 6933.36,
      "pct_of_approved": 30.93,
      "request_count": 92
    },
    "top_quintile": {
      "n_buyers": 24,
      "approved_dollars": 12054.78,
      "pct_of_approved": 53.78,
      "request_count": 142,
      "request_pct_of_total": 47.81
    }
  },
  "deciles": [
    {
      "decile": 1,
      "n_buyers": 12,
      "approved_dollars": 6933.36,
      "pct": 30.93433988529055,
      "cumul_pct": 30.93433988529055
    },
    {
      "decile": 2,
      "n_buyers": 12,
      "approved_dollars": 5121.420000000001,
      "pct": 22.850067928872118,
      "cumul_pct": 53.78440781416267
    },
    {
      "decile": 3,
      "n_buyers": 12,
      "approved_dollars": 2270.56,
      "pct": 10.130481436121205,
      "cumul_pct": 63.91488925028388
    },
    {
      "decile": 4,
      "n_buyers": 13,
      "approved_dollars": 2058.23,
      "pct": 9.183135793050061,
      "cumul_pct": 73.09802504333393
    },
    {
      "decile": 5,
      "n_buyers": 12,
      "approved_dollars": 2473.47,
      "pct": 11.035798180978576,
      "cumul_pct": 84.13382322431251
    },
    {
      "decile": 6,
      "n_buyers": 12,
      "approved_dollars": 1205.4099999999999,
      "pct": 5.378137388095826,
      "cumul_pct": 89.51196061240833
    },
    {
      "decile": 7,
      "n_buyers": 13,
      "approved_dollars": 682.3199999999999,
      "pct": 3.044284270617918,
      "cumul_pct": 92.55624488302625
    },
    {
      "decile": 8,
      "n_buyers": 12,
      "approved_dollars": 824.0,
      "pct": 3.676413177085773,
      "cumul_pct": 96.23265806011203
    },
    {
      "decile": 9,
      "n_buyers": 12,
      "approved_dollars": 544.62,
      "pct": 2.429912796728706,
      "cumul_pct": 98.66257085684073
    },
    {
      "decile": 10,
      "n_buyers": 13,
      "approved_dollars": 299.76000000000005,
      "pct": 1.3374291431592615,
      "cumul_pct": 99.99999999999999
    }
  ],
  "percentiles": {
    "excess_ratio": {
      "P25": 0.1173,
      "P50": 0.2926,
      "P80": 0.5607,
      "P90": 0.7076,
      "P95": 0.8165,
      "P99": 0.9105
    },
    "buyer_total_orders": {
      "P25": 5,
      "P50": 6,
      "P80": 8,
      "P90": 9
    },
    "P80_prior_gameable_requested_amount": 396.75
  },
  "reasons": {
    "in_top_quintile_cohort": {
      "Marked delivered, not received": 36.6,
      "Missing item": 21.8,
      "Wrong item": 17.6,
      "Damaged item": 12.0,
      "Damaged or misrepresented condition": 11.3,
      "Buyer/seller dispute": 0.7
    },
    "outside_cohort": {
      "Damaged or misrepresented condition": 34.6,
      "Damaged item": 22.9,
      "Marked delivered, not received": 15.0,
      "Wrong item": 9.8,
      "Missing item": 6.5,
      "Buyer/seller dispute": 5.2,
      "Misbid": 3.9,
      "Return to sender": 2.0
    },
    "top_3_in_cohort_combined_pct": 76.0,
    "top_3_outside_cohort_combined_pct": 31.3
  },
  "exposure": {
    "upper_bound_top_quintile": 12054.78,
    "seller_baseline_proxy": 357.65,
    "baseline_adjusted_suspected_excess": 11697.13,
    "likely_legitimate": 10716.02
  },
  "hypotheses": {
    "H1_concentration_lift": 2.76,
    "H2_top3_delta_pp": 44.7,
    "H3_q4_pct": 60.5,
    "H4_verdict": "weak \u2014 secondary investigation/guardrail, not primary"
  },
  "value_tier_exposure": [
    {
      "tier": "Q1",
      "n_requests": 57,
      "approved_dollars": 1186.2
    },
    {
      "tier": "Q2",
      "n_requests": 57,
      "approved_dollars": 2744.37
    },
    {
      "tier": "Q3",
      "n_requests": 57,
      "approved_dollars": 4922.05
    },
    {
      "tier": "Q4",
      "n_requests": 57,
      "approved_dollars": 13560.53
    }
  ]
}