One corporate customer files ten claims over a quarter. Every claim is legitimate, documented, within policy. Watch the money leave the building in two worlds at once — the same agent, the same cases, with and without Acme's governance layer in the path.
It can. We ran it. Same June, same ten disputes, same instructions — handed the whole quarter in one file so she can add them up herself. Twice, each time with the boundary’s ledger verified empty before the run.
| what June can see | refunds | credits | total conceded |
|---|---|---|---|
| one dispute at a time · no layer | $1,104 | $0 | $1,104 |
| the whole quarter · she polices herself (run A) | $600.00 | $395 | $995 |
| the whole quarter · she polices herself (run B) | $600.00 | $0 | $600 |
| one dispute at a time · boundary in the path | $520 | $0 | $520 |
In both self-policed runs she landed on $600.00 exactly — trimming
her last refund to $80 to hit the cap — and the boundary never had to act:
zero blocks. She is not bad at counting. She is excellent at it. The money
left through issue_credit, which her own author capped per call at $100
and never capped cumulatively — so nothing was signed there, and nothing was
enforced there. Two identical runs, $395 apart in what the customer received.
n=2. Enough to show it happens and how; not enough to quote a rate. Both runs are on file and can be recounted from the raw records.