U1 Pre-Default EW Score (CR-only)
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U2 Spend Compression
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U3 Wallet-Switch Detection
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U4 First-Bill Shock (CR-only)
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U5 Geo-Velocity Anomaly
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U6 Pre-Renewal Health Score
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U7 Predictive CLV 24m
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U8 Cash-Recycling (CR-only)
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