> ## Documentation Index
> Fetch the complete documentation index at: https://fuguai.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Concepts

> The ideas hunch is built from, each resting on the one before: rows, questions, specs, the store, gold, act and review.

export const ReviewLoop = () => {
  const steps = [["run", "ask every row"], ["review", "a sample"], ["test", "how often right"], ["change", "the spec"], ["diff", "what flipped"]];
  const cx = 230, cy = 165, R = 135;
  const at = i => {
    const a = -Math.PI / 2 + 2 * Math.PI * i / steps.length;
    return [cx + R * Math.cos(a), cy + R * Math.sin(a)];
  };
  const arc = i => {
    const a0 = -Math.PI / 2 + 2 * Math.PI * (i + 0.33) / steps.length, a1 = -Math.PI / 2 + 2 * Math.PI * (i + 0.67) / steps.length;
    return `M ${cx + R * Math.cos(a0)} ${cy + R * Math.sin(a0)} A ${R} ${R} 0 0 1 ${cx + R * Math.cos(a1)} ${cy + R * Math.sin(a1)}`;
  };
  return <figure className="not-prose" style={{
    margin: "16px 0"
  }}>
      <svg viewBox="0 0 460 330" style={{
    width: "100%",
    maxWidth: 480,
    display: "block",
    margin: "0 auto"
  }} role="img" aria-label="A loop: run, review, test, change the spec, diff, then run again">
        <defs>
          <marker id="hunch-arrow" viewBox="0 0 10 10" refX="8" refY="5" markerWidth="7" markerHeight="7" orient="auto-start-reverse">
            <path d="M 0 0 L 10 5 L 0 10 z" fill="#7D969B" />
          </marker>
        </defs>
        {steps.map((_, i) => <path key={"a" + i} d={arc(i)} fill="none" stroke="#7D969B" strokeOpacity="0.7" strokeWidth="1.5" markerEnd="url(#hunch-arrow)" />)}
        {steps.map(([name, what], i) => {
    const [x, y] = at(i);
    return <g key={name}>
              <rect x={x - 50} y={y - 21} width="100" height="42" rx="10" fill="#7D969B" fillOpacity="0.14" stroke="#7D969B" strokeOpacity="0.5" />
              <text x={x} y={y - 3} textAnchor="middle" fontSize="14" fontWeight="600" fill="currentColor" fontFamily="ui-monospace, monospace">{name}</text>
              <text x={x} y={y + 13} textAnchor="middle" fontSize="10.5" fill="currentColor" fillOpacity="0.65">{what}</text>
            </g>;
  })}
      </svg>
    </figure>;
};

export const DIAL_ROWS = [[0.26, 0, "transfer_into_account", "failed_transfer", "What are your policies for card transfers?"], [0.32, 1, "pending_top_up", "", "Could you explain why my top-up has gone through yet?"], [0.35, 0, "country_support", "order_physical_card", "What locations can a card be delivered to?"], [0.39, 0, "wrong_amount_of_cash_received", "cash_withdrawal_not_recognised", "My app shows some cash I didn't get."], [0.41, 1, "transfer_not_received_by_recipient", "", "The transfer I did hasn't arrived"], [0.43, 0, "receiving_money", "direct_debit_payment_not_recognised", "Unknown direct deposit"], [0.44, 0, "top_up_reverted", "topping_up_by_card", "I topped up my card but the money disappeared."], [0.45, 0, "getting_spare_card", "supported_cards_and_currencies", "I just have one other card from the US. Is that okay?"], [0.46, 0, "card_payment_not_recognised", "topping_up_by_card", "WHERE IS MY MONEY I WAS USING MY CARD AND IT DISAPPEARED"], [0.47, 0, "transfer_timing", "extra_charge_on_statement", "When will the $1 transaction be credited to me?"], [0.48, 0, "card_linking", "contactless_not_working", "Should i reinstall the payment app?"], [0.48, 1, "transfer_not_received_by_recipient", "", "My money transfer has not arrived."], [0.49, 0, "fiat_currency_support", "exchange_via_app", "Change currency"], [0.49, 1, "country_support", "", "how do i get a card if i am in the usa"], [0.5, 0, "request_refund", "cancel_transfer", "I made a transaction this morning and would like to revert it."], [0.5, 0, "transfer_timing", "transfer_not_received_by_recipient", "How long do transfers need to come through? I sent some money to a fri"], [0.5, 1, "topping_up_by_card", "", "Cannot access my top up."], [0.51, 1, "cancel_transfer", "", "I would like to revert a transaction I did this morning"], [0.51, 1, "visa_or_mastercard", "", "Do you guys accept Visa or Mastercard?"], [0.51, 0, "card_not_working", "compromised_card", "How do I freeze my account?"], [0.51, 1, "beneficiary_not_allowed", "", "The money would not transfer to a beneficiary."], [0.51, 1, "balance_not_updated_after_bank_transfer", "", "I didn't get the money I transferred"], [0.53, 0, "declined_card_payment", "reverted_card_payment?", "What happens if a merchant doesn't accept a payment?"], [0.54, 0, "pending_transfer", "balance_not_updated_after_bank_transfer", "Why don't I have my transfer?"], [0.54, 0, "pending_transfer", "balance_not_updated_after_bank_transfer", "I made a bank transfer a couple of hours ago from my UK account.  It h"], [0.54, 0, "country_support", "card_about_to_expire", "Am I able to order a new card and have it sent to me in China?"], [0.55, 0, "order_physical_card", "card_delivery_estimate", "Can you get me my card fast?"], [0.55, 0, "request_refund", "Refund_not_showing_up", "How long does it take for a refund?"], [0.55, 1, "wrong_exchange_rate_for_cash_withdrawal", "", "I need the right foreign money, at the right rate, at ATMs, when I go "], [0.56, 0, "card_arrival", "card_delivery_estimate", "i need my card quick"], [0.56, 0, "card_arrival", "card_delivery_estimate", "I need my card quickly"], [0.57, 0, "compromised_card", "cash_withdrawal_not_recognised", "Someone has stolen my card. Even though I have my card with me, someon"], [0.58, 1, "Refund_not_showing_up", "", "I did what you told me earlier and contacted the seller for a refund d"], [0.58, 1, "getting_spare_card", "", "I need to get some more physical cards."], [0.58, 0, "top_up_failed", "apple_pay_or_google_pay", "Top up on my Google Pay isn't working."], [0.59, 0, "exchange_via_app", "fiat_currency_support", "Am I able to exchange currencies?"], [0.59, 1, "wrong_amount_of_cash_received", "", "Why did I not get my cash back after I withdrew?"], [0.59, 0, "verify_top_up", "top_up_failed", "How can I check to see if my top-up worked?"], [0.59, 0, "edit_personal_details", "verify_my_identity", "do the details of my profile have to match my documents"], [0.61, 0, "get_disposable_virtual_card", "disposable_card_limits", "How can I create many temporary cards daily?"], [0.61, 0, "transfer_into_account", "receiving_money", "Do I need to establish I am paid in GBP before a transfer?"], [0.61, 1, "receiving_money", "", "can I transfer my salary if it's in a different currency?"], [0.62, 1, "pending_cash_withdrawal", "", "My card was denied at an ATM earlier today but the transaction is pend"], [0.62, 1, "lost_or_stolen_phone", "", "my phone was taken! can you place cancel my account so no one uses it"], [0.62, 0, "pending_transfer", "balance_not_updated_after_bank_transfer", "I made a transfer a few hours ago from a UK banking account.  I do not"], [0.63, 1, "top_up_by_bank_transfer_charge", "", "Will I be charged for a SEPA transfer?"], [0.63, 1, "virtual_card_not_working", "", "Are there restrictions for my disposable card since it does not seem t"], [0.63, 0, "lost_or_stolen_card", "cash_withdrawal_not_recognised", "I just lost my wallet and I see that they are already withdrawing mone"], [0.64, 1, "automatic_top_up", "", "Are there limits on auto top-up?"], [0.65, 1, "card_payment_fee_charged", "", "Why do you charge for payments? Why aren't your charges clearly laid o"], [0.66, 0, "verify_my_identity", "unable_to_verify_identity", "How long will it take for my ID to verify?"], [0.67, 1, "card_delivery_estimate", "", "When can I expect to receive my new card?"], [0.67, 0, "pending_transfer", "pending_card_payment", "I am waiting for a payment to go through."], [0.67, 0, "declined_transfer", "beneficiary_not_allowed", "A transfer to an account was not allowed"], [0.67, 1, "receiving_money", "", "Can I receive my salary in a currency other than what it is deposited "], [0.68, 1, "why_verify_identity", "", "Do I need to verify my identity?"], [0.68, 0, "get_physical_card", "activate_my_card", "How do I use my new card?"], [0.69, 0, "card_arrival", "card_delivery_estimate", "I need my card now!"], [0.69, 0, "card_arrival", "card_delivery_estimate", "Ordered awhile back, what is the ETA in the US?"], [0.69, 0, "transfer_into_account", "top_up_by_bank_transfer_charge", "Is a SWIFT transfer okay?"], [0.7, 1, "top_up_by_card_charge", "", "Are there any extra fees for adding money into the international card?"], [0.71, 0, "transfer_into_account", "top_up_by_bank_transfer_charge", "can i do a transfer with swift"], [0.71, 1, "cancel_transfer", "", "I made a mistake with a transaction!"], [0.71, 1, "topping_up_by_card", "", "Is it possible to use my credit card to transfer money?"], [0.71, 1, "verify_source_of_funds", "", "I need my funds verified."], [0.72, 0, "extra_charge_on_statement", "card_payment_fee_charged", "So what items  actually come  with  extra  fees"], [0.73, 0, "pending_top_up", "topping_up_by_card", "Why isn't my top up showing on my wallet?"], [0.73, 1, "compromised_card", "", "I think my identity has been stolen, can you check on unauthorized cha"], [0.73, 1, "reverted_card_payment?", "", "Why was my payment cancelled?"], [0.73, 1, "balance_not_updated_after_bank_transfer", "", "Why isn't the transfer on my account showing up?"], [0.74, 1, "pin_blocked", "", "Can I reactivate my PIN?"], [0.74, 1, "contactless_not_working", "", "How do I use contactless payments?"], [0.75, 0, "verify_my_identity", "why_verify_identity", "what is the identity check?"], [0.75, 0, "lost_or_stolen_card", "lost_or_stolen_phone", "I was mugged yesterday and they took everything.  I can't access my ap"], [0.75, 1, "pending_transfer", "", "For how long will my transfer be pending?"], [0.76, 0, "receiving_money", "topping_up_by_card", "How can someone add money to my account?"], [0.76, 1, "failed_transfer", "", "I transferred my funds, why did it not go through?"], [0.76, 1, "wrong_exchange_rate_for_cash_withdrawal", "", "why is the exchange rate for a Foreign ATM different"], [0.77, 1, "card_linking", "", "I received my new card, but I don't see it in the app anywhere.  What "], [0.77, 0, "topping_up_by_card", "supported_cards_and_currencies", "How do I transfer funds from my American Express into my account?"], [0.77, 0, "failed_transfer", "beneficiary_not_allowed", "Why isn't my transfer going through? I get a message saying it's not p"], [0.78, 0, "pending_card_payment", "pending_cash_withdrawal", "Why am I unable to take money from my card but the statement says the "], [0.78, 0, "passcode_forgotten", "unable_to_verify_identity", "The app won't let me log in as myself."], [0.78, 1, "atm_support", "", "Is there places where I can't withdraw money?"], [0.78, 1, "transfer_into_account", "", "Can I add funds to the card directly from my bank account?"], [0.78, 0, "country_support", "order_physical_card", "Do you ship cards to where I live?"], [0.79, 0, "compromised_card", "card_payment_not_recognised", "Can you freeze my account?  I just saw there are transactions on my ac"], [0.79, 1, "request_refund", "", "I wasn't charged the correct amount for an item I purchased, how can I"], [0.79, 1, "country_support", "", "Can I get one of your cards in the EU"], [0.8, 1, "extra_charge_on_statement", "", "Why was I overcharged a pound!?"], [0.8, 1, "apple_pay_or_google_pay", "", "How do I get the Top Up feature on my apple watch working?"], [0.81, 1, "pin_blocked", "", "Help! I forgot my PIN and have been locked out of using my card."], [0.81, 0, "compromised_card", "direct_debit_payment_not_recognised", "I am concerned about the security in my account and would like to make"], [0.82, 1, "transfer_not_received_by_recipient", "", "My friend still hasn't gotten a transaction I made."], [0.82, 0, "top_up_by_cash_or_cheque", "balance_not_updated_after_cheque_or_cash_deposit", "Are cheques accepted to my account? Mine didn't seem to work."], [0.82, 0, "declined_card_payment", "declined_transfer", "Double check your funds may be declined"], [0.82, 1, "reverted_card_payment?", "", "I'm not sure why my card payment was cancelled, can you find out why?"], [0.82, 1, "apple_pay_or_google_pay", "", "Can I use my American Express stored in Apple Pay to top up?"], [0.82, 0, "order_physical_card", "country_support", "Please help me get a new card, I reside in the United States."], [0.83, 0, "failed_transfer", "beneficiary_not_allowed", "My transfer to beneficiary didn't go through"], [0.83, 1, "getting_spare_card", "", "Am I allowed to give my daughter one of my cards to use?"], [0.84, 1, "card_linking", "", "Could you help me reactivate my card? It was previously lost, but I fo"], [0.84, 0, "receiving_money", "topping_up_by_card", "My friends want to top up my account"], [0.85, 0, "extra_charge_on_statement", "card_payment_fee_charged", "Someone needs to make me aware when there are extra charges for paymen"], [0.85, 1, "why_verify_identity", "", "Do I have to do an identity check?"], [0.85, 1, "unable_to_verify_identity", "", "Why doesn't the app believe I am who I say I am?"], [0.85, 0, "failed_transfer", "beneficiary_not_allowed", "I've tried numerous times to submit a transfer of funds. Why isn't it "], [0.85, 1, "order_physical_card", "", "How do I get a physical card?"], [0.85, 1, "order_physical_card", "", "How do I get an actual card?"], [0.85, 1, "apple_pay_or_google_pay", "", "How do I troubleshoot Google pay top up?"], [0.86, 1, "fiat_currency_support", "", "Do you support the exchange of EUR from my currency."], [0.86, 0, "country_support", "fiat_currency_support", "What countries can I travel to and have access to their currencies?"], [0.86, 1, "card_delivery_estimate", "", "What is the difference between standard and express delivery?"], [0.86, 1, "transfer_not_received_by_recipient", "", "I transferred some money and it didint arrive"], [0.86, 1, "transfer_timing", "", "How long is it going to take for my funds to show in my account?"], [0.87, 1, "balance_not_updated_after_cheque_or_cash_deposit", "", "I sent a cheque  a few days ago and nothing has happened to my account"], [0.87, 1, "compromised_card", "", "Can I use app to freeze my card and dispute fraud?"], [0.88, 1, "card_linking", "", "Can I reactivate my lost card that I found this morning in my jacket p"], [0.88, 1, "get_physical_card", "", "I do not have my pin"], [0.88, 1, "topping_up_by_card", "", "how can i top up?"], [0.88, 1, "request_refund", "", "How do I cancel a previous purchase"], [0.88, 1, "reverted_card_payment?", "", "There was a canceled payment for my card."], [0.88, 1, "receiving_money", "", "How can I get paid in a different currency?"], [0.88, 1, "receiving_money", "", "Can I get paid in another currency?"], [0.89, 1, "card_linking", "", "Is there a way to make my old card usable with the app?"], [0.89, 0, "pending_card_payment", "extra_charge_on_statement", "Can you help me with a weird charge?  It's a pound charge that never g"], [0.89, 1, "card_payment_fee_charged", "", "Is using my card free?"], [0.89, 1, "balance_not_updated_after_cheque_or_cash_deposit", "", "I don't know why the deposit I made a week ago still hasn't showed up,"], [0.89, 1, "card_payment_not_recognised", "", "Why would there be a payment on my account I don't recognize?"], [0.89, 1, "pending_card_payment", "", "I have a pending payment in my account that I paid a while back ago an"], [0.89, 1, "declined_card_payment", "", "My card didn't work in one of the shops."], [0.89, 0, "failed_transfer", "beneficiary_not_allowed", "I've transferred money before without issue but now I am encountering "], [0.89, 1, "virtual_card_not_working", "", "My disposable virtual card is broken."], [0.89, 1, "get_disposable_virtual_card", "", "I would like a temporary virtual card"], [0.9, 0, "card_arrival", "card_delivery_estimate", "I'm just wondering when my card will get here."], [0.9, 0, "transfer_timing", "automatic_top_up", "Can I space out how often money is transferred along my travels?"], [0.9, 0, "request_refund", "cancel_transfer", "Can i cancel a charge?"], [0.9, 1, "get_physical_card", "", "what is my card PIN"], [0.9, 1, "transfer_into_account", "", "How do I send my account money through transfer?"], [0.91, 0, "exchange_via_app", "fiat_currency_support", "How do I change currencies to euros?"], [0.91, 1, "card_not_working", "", "I can't use my card."], [0.91, 1, "card_payment_not_recognised", "", "there is a transaction on my account that i didnt make"], [0.91, 1, "compromised_card", "", "How can I stop fraud on my account right now?"], [0.91, 1, "transfer_timing", "", "How many days until the money will be in my account?"], [0.91, 0, "transfer_not_received_by_recipient", "transfer_fee_charged", "Hi,  Please help me, as i have transferred some amount but receiver di"], [0.91, 1, "transfer_into_account", "", "I don't understand the money transfer process."], [0.92, 1, "pin_blocked", "", "I used the wrong ping too many times and now the account is blocked.  "], [0.92, 1, "card_payment_fee_charged", "", "How do I avoid getting charged a fee on my card?"], [0.92, 0, "pending_card_payment", "pending_transfer", "I would like to know why my payment is still pending, can you help?"], [0.92, 0, "fiat_currency_support", "receiving_money", "Is GBP a supported currency?"], [0.92, 0, "top_up_failed", "apple_pay_or_google_pay", "I got my American Express in Apple Bay but top up is not working"], [0.93, 1, "exchange_via_app", "", "I would like to exchange some currency."], [0.93, 1, "exchange_via_app", "", "I would like to exchange currencies"], [0.93, 1, "contactless_not_working", "", "Do I need to make a regular payment before a contactless one?"], [0.93, 0, "transfer_fee_charged", "top_up_by_bank_transfer_charge", "Can you tell me the total cost of a transfer?"], [0.93, 1, "why_verify_identity", "", "I would like to not have to do the identity verification."], [0.93, 1, "visa_or_mastercard", "", "I would rather the Mastercard."], [0.93, 1, "visa_or_mastercard", "", "Do you use Mastercard or Visa?"], [0.93, 1, "topping_up_by_card", "", "How do i transfer money using my credit card?"], [0.93, 0, "card_payment_not_recognised", "direct_debit_payment_not_recognised", "There is a transaction from my account that I don't recognize can you "], [0.93, 1, "passcode_forgotten", "", "My password isn't being accepted and I need to reset it."], [0.93, 0, "transaction_charged_twice", "pending_card_payment", "I was double charged, and the second charge is showing as \"pending\". H"], [0.93, 1, "lost_or_stolen_phone", "", "My phone is not with me at the moment so I will not be able to access "], [0.93, 1, "declined_card_payment", "", "My new card keeps getting declined. I was very excited to use it for t"], [0.93, 1, "change_pin", "", "How do I set a new pin?"], [0.93, 1, "failed_transfer", "", "Why couldn't I complete a transfer?"], [0.93, 1, "order_physical_card", "", "can I have a non virtual card?"], [0.93, 1, "apple_pay_or_google_pay", "", "Does Apple Pay give the option to top up?"], [0.94, 0, "exchange_via_app", "fiat_currency_support", "I want to make a currency exchange to EU."], [0.94, 0, "transfer_into_account", "top_up_by_bank_transfer_charge", "I would like to refill my account using SWIFT."], [0.94, 1, "balance_not_updated_after_cheque_or_cash_deposit", "", "When will I see the cash I deposited this morning as available?"], [0.94, 1, "why_verify_identity", "", "do I need to verify my identity every time I log into my account?"], [0.94, 1, "compromised_card", "", "There are transactions I didn't make, someone else must have used my c"], [0.94, 1, "compromised_card", "", "The transactions showing up are strange, I think my card was used with"], [0.94, 0, "transfer_timing", "pending_transfer", "When will the transfer go through?"], [0.94, 0, "declined_card_payment", "reverted_card_payment?", "I think my card payment has been stopped"], [0.94, 0, "failed_transfer", "beneficiary_not_allowed", "I was unable to make a transfer to another account."], [0.94, 1, "exchange_charge", "", "How much is a cross currency exchange, and can I check to see if I hav"], [0.95, 1, "card_payment_fee_charged", "", "What fees apply when using a card?"], [0.95, 1, "supported_cards_and_currencies", "", "Which credit or debit cards can I use to top up?"], [0.95, 1, "card_payment_not_recognised", "", "I don't recall making that payment?"], [0.95, 1, "unable_to_verify_identity", "", "I do not have what is required to prove my identity"], [0.95, 1, "unable_to_verify_identity", "", "I can not get the app to know it is me."], [0.95, 1, "visa_or_mastercard", "", "Am I able to choose my card?"], [0.95, 0, "declined_card_payment", "declined_transfer", "How can I fix my card, it got declined twice."], [0.95, 0, "request_refund", "Refund_not_showing_up", "I am waiting patiently for a week now for the seller to get back to me"], [0.95, 1, "declined_card_payment", "", "Something is wrong with my payment account since it has been declined"], [0.95, 0, "exchange_via_app", "beneficiary_not_allowed", "Can you please help me with this exchange?  I am trying to get crypto "], [0.95, 1, "failed_transfer", "", "My transfer did not go through."], [0.95, 1, "apple_pay_or_google_pay", "", "is apple pay eligible for top up"], [0.96, 1, "card_delivery_estimate", "", "How long will it take to deliver something to US?"], [0.96, 1, "card_not_working", "", "I have tried to use my card several times and it does not work."], [0.96, 0, "receiving_money", "top_up_by_bank_transfer_charge", "Will there be any charges for money received?"], [0.96, 0, "top_up_by_card_charge", "top_up_by_bank_transfer_charge", "What are the fees for top-ups?"], [0.96, 1, "wrong_amount_of_cash_received", "", "I have not received the amount of cash i was supposed to."], [0.96, 1, "top_up_reverted", "", "My top-up was cancelled; will I receive a refund?"], [0.96, 1, "disposable_card_limits", "", "Can I have more than one disposable card?"], [0.96, 0, "card_payment_not_recognised", "direct_debit_payment_not_recognised", "A couple weeks ago some money was deducted from my account by some sel"], [0.96, 1, "passcode_forgotten", "", "Can I be given a new passcode?"], [0.96, 1, "change_pin", "", "I need a new PIN."], [0.96, 1, "getting_spare_card", "", "What is the procedure for getting another card?"], [0.96, 1, "top_up_by_card_charge", "", "Is there a fee for topping up"], [0.96, 1, "top_up_by_card_charge", "", "What are the fees for top ups?"], [0.96, 1, "apple_pay_or_google_pay", "", "Can I use my Apple Watch to to top up?"], [0.96, 1, "verify_my_identity", "", "Is there a specific type you need for identity verification?"], [0.97, 1, "card_arrival", "", "I'm starting to think my card is lost because it still hasn't arrived,"], [0.97, 1, "pending_cash_withdrawal", "", "Why is my withdrawal still pending?"], [0.97, 0, "receiving_money", "top_up_by_bank_transfer_charge", "Do I have to pay any fees in order to receive money?"], [0.97, 1, "getting_virtual_card", "", "Can I have one of the virtual cards?"], [0.97, 1, "top_up_reverted", "", "What happened to where my top-up was canceled?"], [0.97, 1, "why_verify_identity", "", "Why do you need so much information to verify my identity?"], [0.97, 1, "unable_to_verify_identity", "", "I cannot prove my own identity."], [0.97, 0, "lost_or_stolen_card", "lost_or_stolen_phone", "I was mugged and everything taken.  What do I do to protect my account"], [0.97, 1, "pending_transfer", "", "So the transfer finally worked but now it's been pending for quite a l"], [0.97, 1, "verify_source_of_funds", "", "Why do you need all this information about my Source of Funds?"], [0.97, 1, "failed_transfer", "", "Why has my transfer failed?"], [0.97, 1, "transfer_into_account", "", "CAN YOU EXPLAIN HOW TO TRANSFER MONEY INTO MY  ACCOUNT FOR ME?"], [0.97, 1, "top_up_by_cash_or_cheque", "", "Can I submit a check or cash payment?"], [0.97, 1, "virtual_card_not_working", "", "My payments from my virtual card keep getting rejected."], [0.98, 0, "exchange_charge", "card_payment_wrong_exchange_rate", "I made a currency exchange and think I was charged more than I should "], [0.98, 1, "extra_charge_on_statement", "", "Can you tell me why I noticed a $1 charge on my statement?"], [0.98, 1, "pending_cash_withdrawal", "", "Hey I tried to get some money out earlier but the machine didn't work."], [0.98, 1, "fiat_currency_support", "", "Will you handle EUR?"], [0.98, 1, "exchange_via_app", "", "If I receive foreign currencies, am I able to exchange them on the app"], [0.98, 0, "fiat_currency_support", "exchange_via_app", "What currencies will this app exchange?"], [0.98, 1, "transfer_not_received_by_recipient", "", "I'm having a problem with a money transfer.  I sent some money to a fr"], [0.98, 0, "topping_up_by_card", "supported_cards_and_currencies", "I need support options, I want to top my card"], [0.98, 0, "top_up_by_cash_or_cheque", "balance_not_updated_after_cheque_or_cash_deposit", "Why does my account not accept cash deposits?"], [0.98, 1, "why_verify_identity", "", "Can I still use my account, even though the identity verification has "], [0.98, 1, "unable_to_verify_identity", "", "I am having trouble verifying my identity."], [0.98, 1, "unable_to_verify_identity", "", "I'm having trouble verifying my ID."], [0.98, 1, "visa_or_mastercard", "", "Is Visa or Mastercard available?"], [0.98, 1, "atm_support", "", "Can I get cash with this card anywhere?"], [0.98, 1, "pending_card_payment", "", "Why would I have a pending payment?"], [0.98, 1, "lost_or_stolen_phone", "", "I am not able to use the app since I forgot my phone at the hotel I wa"], [0.98, 1, "request_refund", "", "I am chatting about an order from a long while back.  I never got it t"], [0.98, 1, "declined_card_payment", "", "My payment has been declined, I thought this issue was fixed!"], [0.98, 1, "declined_card_payment", "", "Why are you declining my payment? Everything was fine."], [0.98, 1, "card_swallowed", "", "I have a problem!  The ATM stole my card!"], [0.98, 1, "transfer_timing", "", "When does the money get transferred to my account"], [0.98, 1, "beneficiary_not_allowed", "", "Why would i not be able to do a transfer to a beneficiary?"], [0.98, 1, "transfer_fee_charged", "", "My receipt shows an extra charge on my transfer, why is this?"], [0.98, 1, "receiving_money", "", "How can my friend transfer money to me?"], [0.98, 1, "failed_transfer", "", "Fix your system. I can't make transfers, I've tried like 5 times alrea"], [0.98, 1, "failed_transfer", "", "My transfer keeps failing and I just want to transfer the money can yo"], [0.98, 1, "failed_transfer", "", "Why would a transfer fail?"], [0.98, 1, "verify_top_up", "", "I cannot locate the verification code for my top-up card. Please help "], [0.98, 1, "getting_spare_card", "", "How many cards can I have for one account?"], [0.98, 1, "order_physical_card", "", "Send me a physical card"], [0.98, 1, "virtual_card_not_working", "", "Why is my virtual card is being declined?"], [0.98, 1, "cash_withdrawal_not_recognised", "", "The app made a mistake and said I made a cash withdrawal."], [0.98, 1, "exchange_charge", "", "When I travel, what will it cost to switch for my currency?"], [0.99, 1, "card_linking", "", "Where on the website do I go to link my card?"], [0.99, 1, "card_payment_wrong_exchange_rate", "", "When I made a purchase last Saturday, I was charged extra. Did I recei"], [0.99, 1, "card_payment_wrong_exchange_rate", "", "Hi, I have been overcharged for my payment last Saturday. I guess exch"], [0.99, 1, "extra_charge_on_statement", "", "I'm not okay with this fee on my statement."], [0.99, 1, "exchange_via_app", "", "Can I exchange between GBP and USD on the app?"], [0.99, 1, "lost_or_stolen_card", "", "Someone stole my card. I need to report it stolen. I made a police rep"], [0.99, 1, "pending_top_up", "", "top-up is slow to process"], [0.99, 1, "cancel_transfer", "", "How do i cancel my transaction?"], [0.99, 1, "cancel_transfer", "", "My transaction needs to be canceled."], [0.99, 1, "wrong_amount_of_cash_received", "", "Where is the money that I asked for? I asked for more than I got!"], [0.99, 1, "getting_virtual_card", "", "Is this where I order a virtual card?"], [0.99, 1, "card_acceptance", "", "Are there any limits on where I can use my card?"], [0.99, 1, "card_acceptance", "", "Does this card work everywhere?"], [0.99, 1, "card_acceptance", "", "Can I make online purchases with my card?"], [0.99, 1, "top_up_reverted", "", "I tryed to make a top-up with cryptocurrency but the payment was refer"], [0.99, 1, "card_payment_not_recognised", "", "What should I do if I see a payment I didn't make?"], [0.99, 0, "compromised_card", "card_payment_not_recognised", "What should I do to get transactions off of my account if I didn't mak"], [0.99, 1, "card_payment_not_recognised", "", "There's a recent charge on my card that I know I didn't make because I"], [0.99, 1, "why_verify_identity", "", "May I use my account now, even though the identity verification has no"], [0.99, 1, "why_verify_identity", "", "Can I use my account if the identity verification is not complete?"], [0.99, 1, "get_physical_card", "", "About this card PIN?"], [0.99, 1, "visa_or_mastercard", "", "Do you have Visa or Matercard?"], [0.99, 1, "visa_or_mastercard", "", "Is it possible to get a Visa here?"], [0.99, 1, "atm_support", "", "Can I use this card at an ATM?"], [0.99, 0, "card_payment_not_recognised", "direct_debit_payment_not_recognised", "I am seeing a weird payment showing up that I know I did not make, how"], [0.99, 1, "passcode_forgotten", "", "Something is wrong with my passcode"], [0.99, 1, "passcode_forgotten", "", "I need to reset my passcode. How do I do it?"], [0.99, 1, "passcode_forgotten", "", "Show me please how to reset my passcode."], [0.99, 1, "passcode_forgotten", "", "Help me reset the passcode."], [0.99, 1, "passcode_forgotten", "", "Tell me how to reset the passcode."], [0.99, 1, "pending_card_payment", "", "What is a pending payment?"], [0.99, 1, "request_refund", "", "What's the refund process?"], [0.99, 1, "declined_transfer", "", "I tried to make a transfer, but it was declined. Can you tell me why?"], [0.99, 1, "Refund_not_showing_up", "", "Still waiting on a refund."], [0.99, 1, "declined_card_payment", "", "Why did it decline my payment?"], [0.99, 0, "transfer_timing", "pending_transfer", "How long for money transfer to show?"], [0.99, 1, "pending_transfer", "", "My transfer hasn't gone through yet."], [0.99, 0, "transfer_timing", "pending_transfer", "How long does it take for a money transfer to show?"], [0.99, 1, "transaction_charged_twice", "", "I have multiple charges on the same transaction."], [0.99, 1, "transfer_timing", "", "how soon will I see the transfer in my account?"], [0.99, 1, "reverted_card_payment?", "", "I think my card payment had been return"], [0.99, 1, "change_pin", "", "I am in Austria right now. I need to change my PIN ASAP, so can I stil"], [0.99, 1, "transfer_fee_charged", "", "What is the transfer fee charge?"], [0.99, 1, "failed_transfer", "", "can you tell me why my transfer failed?"], [0.99, 1, "transfer_into_account", "", "How do I transfer money to my account?"], [0.99, 1, "verify_top_up", "", "How do I find the verification code for my top-up card?"], [0.99, 1, "verify_top_up", "", "Why is it important to verify a top-up card?"], [0.99, 1, "verify_top_up", "", "How is the top-up card verified?"], [0.99, 1, "verify_top_up", "", "Can I verify a top-up and what card is used?"], [0.99, 1, "getting_spare_card", "", "I need some spare physical cards."], [0.99, 1, "top_up_by_cash_or_cheque", "", "I'm looking for the cash deposit top up option but can't find it. Can "], [0.99, 1, "order_physical_card", "", "Can I request a physical card?"], [0.99, 1, "order_physical_card", "", "If I want a physical card, do I have to pay anything?"], [0.99, 1, "order_physical_card", "", "What are the fees for a physical card?"], [0.99, 1, "virtual_card_not_working", "", "Why is my disposable virtual card being denied?"], [0.99, 0, "exchange_charge", "wrong_exchange_rate_for_cash_withdrawal", "Is there a fee for exchanging cash?"], [0.99, 0, "cash_withdrawal_charge", "wrong_exchange_rate_for_cash_withdrawal", "I used the ATM machine to get money out for Holiday shopping and saw t"], [0.99, 1, "top_up_failed", "", "why isnt top up working"], [0.99, 0, "transfer_timing", "balance_not_updated_after_bank_transfer", "How long will it take for my transferred money to show up?"], [0.99, 1, "balance_not_updated_after_bank_transfer", "", "The  money I transferred does not show in the balance."], [0.99, 1, "balance_not_updated_after_bank_transfer", "", "I made a bank transfer and my account balance did not show it."], [0.99, 0, "top_up_by_bank_transfer_charge", "top_up_by_card_charge", "Is there a charge or discount if I use a European bank in a top up?"], [0.99, 1, "card_about_to_expire", "", "How much does it cost to get a new card?  Mine is almost expired.  How"], [0.99, 1, "apple_pay_or_google_pay", "", "I received my American Express card, but I am having problems making i"], [0.99, 1, "verify_my_identity", "", "Can I verify my identity online?"], [1.0, 1, "card_arrival", "", "I still have not received my new card, I ordered over a week ago."], [1.0, 1, "card_arrival", "", "I still don't have my card after 2 weeks.  What should I do?"], [1.0, 1, "card_arrival", "", "Why hasn't my card been delivered?"], [1.0, 1, "card_arrival", "", "Where is my new card? I have been waiting a week!"], [1.0, 1, "card_arrival", "", "I think something went wrong with my card delivery as I haven't receiv"], [1.0, 1, "card_arrival", "", "i want to track the card you sent"], [1.0, 1, "card_arrival", "", "Does the card you sent have a way to track to it?"], [1.0, 1, "card_arrival", "", "Is there tracking info available?"], [1.0, 1, "card_arrival", "", "Where is the tracking number for the card you sent me?"], [1.0, 1, "card_linking", "", "How do I re-add a card to the app?"], [1.0, 1, "card_linking", "", "How do I link a new card?"], [1.0, 1, "card_linking", "", "how do I link an already existing card?"], [1.0, 1, "card_linking", "", "how do I link a card I already have?"], [1.0, 1, "card_linking", "", "Can you please show me where I can find the location to link my card?"], [1.0, 1, "exchange_rate", "", "How did you come up with your exchange rates?"], [1.0, 1, "exchange_rate", "", "How often do your exchange rates change"], [1.0, 1, "exchange_rate", "", "Can you explain your exchange rate policy to me?"], [1.0, 1, "exchange_rate", "", "What is the exchange rate like on this app?"], [1.0, 1, "exchange_rate", "", "What is the exchange rate like?"], [1.0, 1, "exchange_rate", "", "what is the exchange rate?"], [1.0, 1, "exchange_rate", "", "Where did your guys exchange rates come from?"], [1.0, 1, "exchange_rate", "", "I'm trying to figure out the current exchange rate."], [1.0, 1, "exchange_rate", "", "What is my foreign exchange rate?"], [1.0, 1, "exchange_rate", "", "What is the current exchange rate for me?"], [1.0, 1, "card_payment_wrong_exchange_rate", "", "the card payment exchange rate is wrong"], [1.0, 1, "card_payment_wrong_exchange_rate", "", "The exchange rate was wrong when I bought something outside the countr"], [1.0, 1, "card_payment_wrong_exchange_rate", "", "The rate applied to my foreign purchase was incorrect"], [1.0, 1, "card_payment_wrong_exchange_rate", "", "I bought something in a foreign currency but the rate applied is wrong"], [1.0, 1, "card_payment_wrong_exchange_rate", "", "You did not apply the correct exchange rate for an item that I bought."], [1.0, 1, "card_payment_wrong_exchange_rate", "", "Why is your exchange rate for my card payment wrong"], [1.0, 1, "card_payment_wrong_exchange_rate", "", "Your exchange rate is totally wrong for my card payment"], [1.0, 1, "extra_charge_on_statement", "", "There is a fee I don't recognize on my statement."], [1.0, 1, "extra_charge_on_statement", "", "I can see an extra 1£ charge on my app. Why did you charge me extra?"], [1.0, 1, "extra_charge_on_statement", "", "I noticed an extra $1 charge on my statement, can you tell me why that"], [1.0, 1, "extra_charge_on_statement", "", "There is an extra charge on my app that I was not told about or I was "], [1.0, 1, "extra_charge_on_statement", "", "What is the purpose of the extra fee that is showing up on my statemen"], [1.0, 1, "pending_cash_withdrawal", "", "My transaction is still showing that is pending from my cash withdrawa"], [1.0, 1, "pending_cash_withdrawal", "", "Why is a transaction showing as pending when I recieved cash from an A"], [1.0, 1, "pending_cash_withdrawal", "", "my atm cash out is still pending"], [1.0, 1, "pending_cash_withdrawal", "", "I'm not quite understanding why my cash withdrawal is showing as pendi"], [1.0, 1, "pending_cash_withdrawal", "", "I made a cash withdrawal but the pending status is taking forever."], [1.0, 1, "pending_cash_withdrawal", "", "Cash withdrawal still pending?"], [1.0, 1, "fiat_currency_support", "", "What currencies do you do exchanges for?"], [1.0, 1, "fiat_currency_support", "", "Which fiat currencies do you support?"], [1.0, 1, "fiat_currency_support", "", "What kind of currency can I hold money in?"], [1.0, 1, "fiat_currency_support", "", "How man currencies can I hold?"], [1.0, 0, "card_arrival", "card_delivery_estimate", "my card was not in the mail again can you advise?"], [1.0, 1, "automatic_top_up", "", "I'm running out of money, can I  auto top up?"], [1.0, 1, "automatic_top_up", "", "I read about the auto-top up function, but can't find it in the app."], [1.0, 1, "automatic_top_up", "", "can you assist me with the auto top up ?"], [1.0, 1, "automatic_top_up", "", "How can I top up automatically?"], [1.0, 1, "automatic_top_up", "", "Where is the auto top-up option?"], [1.0, 1, "automatic_top_up", "", "Is there any way to Auto top-up?"], [1.0, 1, "automatic_top_up", "", "What is the auto top up function and where can I find that at?"], [1.0, 1, "automatic_top_up", "", "Is there a way to top-up automatically?"], [1.0, 1, "card_not_working", "", "My card won't work."], [1.0, 1, "card_not_working", "", "Can someone assist me by explaining why my card is not working?"], [1.0, 1, "card_not_working", "", "Help me.  My card doesn't work."], [1.0, 1, "card_not_working", "", "My card isn't working anymore."], [1.0, 0, "declined_card_payment", "card_not_working", "My card was declined today when eating and I need to know what's wrong"], [1.0, 1, "card_not_working", "", "My card doesn't work."], [1.0, 1, "card_not_working", "", "My actual card isn't working."], [1.0, 1, "card_not_working", "", "The card I have doesn't work."], [1.0, 1, "exchange_via_app", "", "Tell me how I can exchange between different currency."], [1.0, 1, "exchange_via_app", "", "How do I change GBP to AUD?"], [1.0, 1, "exchange_via_app", "", "How do I convert currencies with the app?"], [1.0, 1, "exchange_via_app", "", "I was wondering whether exchanging currencies can be done on this app."], [1.0, 1, "lost_or_stolen_card", "", "My entire gym bag, including my wallet, was stolen out of my locker to"], [1.0, 1, "lost_or_stolen_card", "", "I can't find my card and think it may have been stolen."], [1.0, 1, "lost_or_stolen_card", "", "I cant find my card, it's gone."], [1.0, 1, "lost_or_stolen_card", "", "Help.  I have a stolen card!"], [1.0, 1, "lost_or_stolen_card", "", "card is lost, please help"], [1.0, 1, "lost_or_stolen_card", "", "How do I report my card stolen?"], [1.0, 1, "lost_or_stolen_card", "", "My bags were stolen. I need a new card but need to cancel the stolen o"], [1.0, 1, "lost_or_stolen_card", "", "Somehow I am missing my card.  What should I do?"], [1.0, 1, "lost_or_stolen_card", "", "How do I report my card lost or stolen?"], [1.0, 1, "age_limit", "", "How do I go about setting up an account for my daughter?"], [1.0, 1, "age_limit", "", "Is there an age minimum?"], [1.0, 1, "age_limit", "", "What is the youngest age in order to have an account?"], [1.0, 1, "age_limit", "", "Could I open an account for my children?"], [1.0, 1, "age_limit", "", "What is the age to open an account?"], [1.0, 1, "age_limit", "", "Can I open a bank account for my newborn baby?"], [1.0, 1, "age_limit", "", "Can my 19 year old daughter open a savings account at the bank?"], [1.0, 1, "age_limit", "", "How old do you have to be to get an account?"], [1.0, 1, "age_limit", "", "will i be able to open an account for my daughter"], [1.0, 1, "age_limit", "", "How old do my children need to be to open an account?"], [1.0, 1, "pin_blocked", "", "When I put the wrong pin too much, I got blocked, so can you help me u"], [1.0, 1, "pin_blocked", "", "My pin was blocked, how do I make it so I can use it?"], [1.0, 1, "pin_blocked", "", "What do I do if the bank machine won't accept my PIN attempts anymore?"], [1.0, 1, "pin_blocked", "", "Can you unlock my pin? I think I entered the wrong pin too many times."], [1.0, 0, "card_swallowed", "pin_blocked", "I attempted to use my card while I was intoxicated, and I failed to in"], [1.0, 1, "pin_blocked", "", "Are you able to unblock my pin?"], [1.0, 1, "pin_blocked", "", "Can I unblock my pin?"], [1.0, 1, "contactless_not_working", "", "Contactless isn't working for me"], [1.0, 1, "contactless_not_working", "", "Can you help my fix my contactless?"], [1.0, 1, "contactless_not_working", "", "I'm unable to use contactless payments for purchases."], [1.0, 1, "contactless_not_working", "", "When I tried to pay for my bus ride, the contactless payment wouldn't "], [1.0, 1, "contactless_not_working", "", "How do I make contactless work"], [1.0, 1, "contactless_not_working", "", "The contactless I have won't work."], [1.0, 1, "contactless_not_working", "", "Help me with my contactless which isn't working."], [1.0, 1, "top_up_by_bank_transfer_charge", "", "Will topping up by transfer lead to a charge on my account?"], [1.0, 1, "top_up_by_bank_transfer_charge", "", "Should I expect to be charged for topping up by transfer?"], [1.0, 1, "pending_top_up", "", "there's a delay in my top-up"], [1.0, 1, "pending_top_up", "", "Can you look into my top up please.  I made it over three hours ago an"], [1.0, 1, "pending_top_up", "", "What's going on with the top-up? All it says is pending, pending, pend"], [1.0, 1, "pending_top_up", "", "I topped up by card a while ago and it's still pending, surely it shou"], [1.0, 0, "top_up_failed", "pending_top_up", "top up did not complete"], [1.0, 1, "pending_top_up", "", "Hi I'm a new customer and tried topping up for the first time today, s"], [1.0, 1, "pending_top_up", "", "What does it mean when my top up is saying  still pending?"], [1.0, 1, "pending_top_up", "", "I tried topping up but my funds seem to be pending. I want to buy some"], [1.0, 1, "cancel_transfer", "", "I need you to cancel a transfer that I made.  It is the wrong account "], [1.0, 1, "cancel_transfer", "", "How can I cancel a transfer?"], [1.0, 1, "cancel_transfer", "", "Can I cancel a transfer"], [1.0, 1, "cancel_transfer", "", "My recent transfer needs to be cancelled immediately; it was a mistake"], [1.0, 1, "top_up_limits", "", "can you limit my top up?"], [1.0, 1, "top_up_limits", "", "Is there a top up limit for my account?"], [1.0, 1, "top_up_limits", "", "What are the restrictions to top-offs?"], [1.0, 1, "top_up_limits", "", "Can I top-up as much as I want?"], [1.0, 1, "top_up_limits", "", "What is the top-ups limit?"], [1.0, 1, "top_up_limits", "", "Is there a maximum amount of top-ups?"], [1.0, 1, "top_up_limits", "", "What's the top up limit?"], [1.0, 1, "top_up_limits", "", "what is the most i can top up?"], [1.0, 1, "top_up_limits", "", "Do you have any restrictions to my top-up?"], [1.0, 1, "top_up_limits", "", "What are the top-up limits?"], [1.0, 1, "wrong_amount_of_cash_received", "", "I didn't get all the cash I requested for at the ATM"], [1.0, 1, "wrong_amount_of_cash_received", "", "The amount of cash I received was incorrect"], [1.0, 1, "wrong_amount_of_cash_received", "", "The wrong amount of cash came out of the ATM today when I went to with"], [1.0, 1, "wrong_amount_of_cash_received", "", "I did not get as much cash as I requested at the ATM."], [1.0, 1, "wrong_amount_of_cash_received", "", "How can I request cash back? The ATM just gave me the wrong amount, th"], [1.0, 1, "wrong_amount_of_cash_received", "", "I tried to get $100 but I just got $20"], [1.0, 1, "wrong_amount_of_cash_received", "", "I didn't receive the right amount of cash back"], [1.0, 1, "card_payment_fee_charged", "", "I made a card payment and a fee is showing up?"], [1.0, 1, "card_payment_fee_charged", "", "Why would I be charged a fee for card payment?"], [1.0, 1, "card_payment_fee_charged", "", "Why was I charged a fee when I paid with card?"], [1.0, 1, "card_payment_fee_charged", "", "I was charged a fee for a card payment. Why?"], [1.0, 1, "transfer_not_received_by_recipient", "", "I transferred money but the recipient says it has not arrived. Why wou"], [1.0, 0, "transfer_timing", "transfer_not_received_by_recipient", "how long do money transfers take?"], [1.0, 1, "transfer_not_received_by_recipient", "", "I just finished sending money, but it's not logging on the recipient s"], [1.0, 1, "transfer_not_received_by_recipient", "", "Why hasn't my recipient received their money?"], [1.0, 1, "supported_cards_and_currencies", "", "can you tell me what cards and currencies you take?"], [1.0, 0, "topping_up_by_card", "supported_cards_and_currencies", "I would like to add money to my account through my American Express."], [1.0, 1, "supported_cards_and_currencies", "", "What cards and currencies do you support?"], [1.0, 1, "supported_cards_and_currencies", "", "Tell me which cards and what currency is supported."], [1.0, 1, "supported_cards_and_currencies", "", "Do you support all cards and currencies?"], [1.0, 1, "supported_cards_and_currencies", "", "Can I use any currency to add money?"], [1.0, 1, "getting_virtual_card", "", "Where is the virtual card?"], [1.0, 1, "getting_virtual_card", "", "Why did I not get a virtual card yet?"], [1.0, 1, "getting_virtual_card", "", "Where can I order a virtual card?"], [1.0, 1, "getting_virtual_card", "", "I want a virtual card!"], [1.0, 1, "getting_virtual_card", "", "Please help me get a virtual card."], [1.0, 1, "getting_virtual_card", "", "Can I order a virtual card?"], [1.0, 1, "getting_virtual_card", "", "Where are the virtual cards located?"], [1.0, 1, "getting_virtual_card", "", "Where can I get a virtual card?"], [1.0, 1, "card_acceptance", "", "It will be fine to use at any establishment that accepts Mastercard."], [1.0, 1, "card_acceptance", "", "What places will accept my card for payment?"], [1.0, 1, "card_acceptance", "", "Where can I use my card?"], [1.0, 1, "card_acceptance", "", "Is it acceptable to use my card anywhere?"], [1.0, 1, "card_acceptance", "", "Where is my card accepted?"], [1.0, 1, "card_acceptance", "", "Does every place of business accept this card?"], [1.0, 1, "card_acceptance", "", "Where am I able to use the card?"], [1.0, 1, "top_up_reverted", "", "There appears to have been a reversion in my top up"], [1.0, 1, "top_up_reverted", "", "The application reverted my top-up."], [1.0, 1, "top_up_reverted", "", "I topped up but the app reverted it"], [1.0, 1, "top_up_reverted", "", "When I topped up, the app reverted my funds."], [1.0, 1, "top_up_reverted", "", "My top-up was revoked."], [1.0, 1, "top_up_reverted", "", "The app reverted what I topped up."], [1.0, 0, "top_up_failed", "top_up_reverted", "On my last transaction it seem that my top-up was not successful."], [1.0, 1, "balance_not_updated_after_cheque_or_cash_deposit", "", "I made a cash deposit almost a week ago but it's still not there!! ple"], [1.0, 1, "balance_not_updated_after_cheque_or_cash_deposit", "", "How can I get the cash deposit to show up on my account?"], [1.0, 1, "balance_not_updated_after_cheque_or_cash_deposit", "", "My cash deposit from a week ago hasn't shown up. I need the money - ho"], [1.0, 1, "balance_not_updated_after_cheque_or_cash_deposit", "", "A cheque deposit hasn't posted to my account, when will my balance upd"], [1.0, 1, "balance_not_updated_after_cheque_or_cash_deposit", "", "I submitted a cash deposit to my account but it hasn't posted yet."], [1.0, 1, "card_payment_not_recognised", "", "There is a payment that is not mine in the app.  Please advise/"], [1.0, 1, "card_payment_not_recognised", "", "I did not make this card payment."], [1.0, 1, "card_payment_not_recognised", "", "There is a card payment I do not recognise."], [1.0, 1, "edit_personal_details", "", "My address needs to be revised."], [1.0, 1, "edit_personal_details", "", "I want to change my personal details."], [1.0, 1, "edit_personal_details", "", "I need to edit the personal details section of my account"], [1.0, 1, "edit_personal_details", "", "Where can I change my personal information after I move?"], [1.0, 1, "edit_personal_details", "", "I need to update my info."], [1.0, 1, "edit_personal_details", "", "Where can I go to update my personal profile?"], [1.0, 1, "edit_personal_details", "", "I need to change my name since I got married"], [1.0, 1, "edit_personal_details", "", "Can I change my information?"], [1.0, 1, "edit_personal_details", "", "I want to change my name."], [1.0, 1, "edit_personal_details", "", "How do I change my address?"], [1.0, 1, "why_verify_identity", "", "Why is identity verification mandatory?"], [1.0, 1, "unable_to_verify_identity", "", "The app failed to verify my identity."], [1.0, 1, "unable_to_verify_identity", "", "Why am I not able to verify my id?"], [1.0, 1, "get_physical_card", "", "Is the PIN delivered separately?"], [1.0, 1, "get_physical_card", "", "Does my PIN come with my card?"], [1.0, 1, "get_physical_card", "", "Where can I find the card PIN?"], [1.0, 1, "get_physical_card", "", "Is my PIN located on my account somewhere?"], [1.0, 1, "get_physical_card", "", "Where can I find my PIN?"], [1.0, 1, "get_physical_card", "", "Is PIN delivered separately?"], [1.0, 1, "get_physical_card", "", "Where is the card PIN?"], [1.0, 1, "visa_or_mastercard", "", "May I choose between Visa and Mastercard?"], [1.0, 1, "visa_or_mastercard", "", "are both visa and mastercard available to me?"], [1.0, 1, "visa_or_mastercard", "", "I'd like more information about choosing a Visa or Mastercard."], [1.0, 1, "topping_up_by_card", "", "How can I top up my account with a card?"], [1.0, 1, "disposable_card_limits", "", "Can I make many disposable cards per day?"], [1.0, 1, "disposable_card_limits", "", "Do these virtual cards have any caps on using them?"], [1.0, 1, "disposable_card_limits", "", "How many card payments can I use on a disposable card?"], [1.0, 1, "disposable_card_limits", "", "How many disposable cards is the limit?"], [1.0, 1, "disposable_card_limits", "", "How many disposable cards can I make in a single day?"], [1.0, 1, "disposable_card_limits", "", "Is there a limit to how many transactions I can make on one disposable"], [1.0, 1, "disposable_card_limits", "", "What are the limits for disposable virtual cards?"], [1.0, 1, "disposable_card_limits", "", "How many times can I use the disposable virtual card I have?"], [1.0, 1, "compromised_card", "", "How do I freeze my card? I think someone is using it to make a bunch o"], [1.0, 1, "compromised_card", "", "If I feel someone has my card information, can I get a new card?"], [1.0, 1, "compromised_card", "", "I think someone has access to my card numbers that shouldn't."], [1.0, 1, "compromised_card", "", "I think someone copied the numbers on my card and is using them."], [1.0, 1, "atm_support", "", "How do I know which ATMs will accept this card?"], [1.0, 1, "atm_support", "", "Which ATM's accept my card?"], [1.0, 1, "atm_support", "", "Which ATM's will accept my card?"], [1.0, 1, "atm_support", "", "Which ATMs accept this card?"], [1.0, 1, "atm_support", "", "What ATMs can I withdraw money from?"], [1.0, 1, "atm_support", "", "I want to withdraw money, where can I go?"], [1.0, 1, "atm_support", "", "Do you know the closest ATM?"], [1.0, 1, "direct_debit_payment_not_recognised", "", "There is a direct debit that's not mine."], [1.0, 1, "direct_debit_payment_not_recognised", "", "I have a direct debit charge that I do not recognize"], [1.0, 1, "direct_debit_payment_not_recognised", "", "I didn't make this direct debit transaction"], [1.0, 1, "direct_debit_payment_not_recognised", "", "Why is there a direct debit I didn't make showing in the app?"], [1.0, 1, "direct_debit_payment_not_recognised", "", "I have a direct debit transaction I have not set up, but would like to"], [1.0, 1, "passcode_forgotten", "", "What do I do if I forget my passcode?  Because I did."], [1.0, 1, "passcode_forgotten", "", "I need help resetting my passcode to access my app."], [1.0, 1, "passcode_forgotten", "", "What should I do if I forgot my passcode?"], [1.0, 1, "declined_cash_withdrawal", "", "Can you tell me why you won't let me get my own money out of the money"], [1.0, 1, "declined_cash_withdrawal", "", "What are some reasons that would cause ATM machines to decline my card"], [1.0, 1, "declined_cash_withdrawal", "", "Why was my cash withdrawal declined?"], [1.0, 1, "declined_cash_withdrawal", "", "Why could I not get cash?"], [1.0, 1, "declined_cash_withdrawal", "", "why couldn't I get cash in the ATM?"], [1.0, 1, "declined_cash_withdrawal", "", "Why can't I get cash?"], [1.0, 1, "declined_cash_withdrawal", "", "I couldn't get cash at the atm"], [1.0, 1, "declined_cash_withdrawal", "", "Oh my goodness, my card has been declined twice at ATM! I tried two di"], [1.0, 1, "declined_cash_withdrawal", "", "Why could I not choose cash at the ATM?"], [1.0, 1, "declined_cash_withdrawal", "", "Is there a reason that the ATM declined my transaction?"], [1.0, 1, "pending_card_payment", "", "My card payment is still on hold, why is it so?"], [1.0, 1, "pending_card_payment", "", "I am seeing pending from the card payment I made."], [1.0, 1, "pending_card_payment", "", "I would like to know why my purchases from this morning are still pend"], [1.0, 1, "pending_card_payment", "", "Why is there a pending transaction on my card?"], [1.0, 1, "pending_card_payment", "", "I made a purchase and it says it's pending. What does that mean?"], [1.0, 1, "lost_or_stolen_phone", "", "I can't find my phone."], [1.0, 1, "lost_or_stolen_phone", "", "If I lost my phone, can someone use my account?"], [1.0, 1, "lost_or_stolen_phone", "", "Someone stole my phone."], [1.0, 0, "lost_or_stolen_card", "lost_or_stolen_phone", "Someone stole my cards!"], [1.0, 1, "lost_or_stolen_phone", "", "I lost my phone!"], [1.0, 1, "request_refund", "", "I need a refund on an item I have not received.  Am I able to simply c"], [1.0, 1, "request_refund", "", "I would like a refund for something I bought"], [1.0, 1, "request_refund", "", "I want to return an item."], [1.0, 1, "request_refund", "", "I would like a refund on one of your products that has been sold to me"], [1.0, 1, "request_refund", "", "I bought this item and was charged the wrong amount can I get a refund"], [1.0, 1, "request_refund", "", "I want a refund for my purchase"], [1.0, 0, "declined_card_payment", "declined_transfer", "The card got declined twice when I tried to use it to buy something on"], [1.0, 1, "declined_transfer", "", "Why did I get a transfer declined?"], [1.0, 1, "declined_transfer", "", "Why was the transfer declined?"], [1.0, 1, "declined_transfer", "", "My transfer got declined."], [1.0, 1, "declined_transfer", "", "My transfer has been declined and I know it should have went through."], [1.0, 1, "declined_transfer", "", "Why would my transfer be declined? I've checked that I've put in all t"], [1.0, 0, "declined_card_payment", "declined_transfer", "I tried to buy something online yesterday but it kept saying declined."], [1.0, 1, "Refund_not_showing_up", "", "There's a refund missing from my statement"], [1.0, 1, "Refund_not_showing_up", "", "I bought something and returned it and the money from the return isn't"], [1.0, 1, "Refund_not_showing_up", "", "Do you have any idea on when I will receive my refund? I got my statem"], [1.0, 1, "Refund_not_showing_up", "", "Where can I see the refund in my account"], [1.0, 1, "Refund_not_showing_up", "", "I requested a refund from a merchant days ago but I do not see it in m"], [1.0, 1, "Refund_not_showing_up", "", "I would like some help getting a refund back from a seller. It still i"], [1.0, 1, "declined_card_payment", "", "I'm really stuck. I don't know why but my card payment has not gone th"], [1.0, 1, "declined_card_payment", "", "Do you know why my card payment did not work?"], [1.0, 1, "declined_card_payment", "", "Why was my Payment declined"], [1.0, 1, "declined_card_payment", "", "They declined my card payment."], [1.0, 1, "pending_transfer", "", "I had made a transfer but its still pending."], [1.0, 1, "pending_transfer", "", "My transfer is still pending and I know the account numbers are correc"], [1.0, 1, "pending_transfer", "", "I am confused as to why my transfer could still be pending."], [1.0, 1, "terminate_account", "", "i want to close an account but im not sure about setting up a new one "], [1.0, 1, "terminate_account", "", "My account needs to be deleted."], [1.0, 1, "terminate_account", "", "I want to close my account"], [1.0, 1, "terminate_account", "", "This company is bad, please delete my account."], [1.0, 1, "terminate_account", "", "I need your help in deleting my account."], [1.0, 1, "terminate_account", "", "How do I get rid of my account ASAP?"], [1.0, 1, "terminate_account", "", "Please delete my account. I am not happy with the service from your co"], [1.0, 1, "terminate_account", "", "I am sick of this damn company and want to close out my account."], [1.0, 1, "terminate_account", "", "Please close my account. I am unsatisfied with your service."], [1.0, 1, "terminate_account", "", "I want my account deleted!"], [1.0, 1, "card_swallowed", "", "What do I do if an ATM \"stole\" my card?"], [1.0, 1, "card_swallowed", "", "What do I do since the machine swallowed my card. I need one."], [1.0, 1, "card_swallowed", "", "Atm took my card"], [1.0, 1, "card_swallowed", "", "How can I get my card out of the damn ATM?"], [1.0, 1, "card_swallowed", "", "The ATM machine stole my card."], [1.0, 1, "card_swallowed", "", "ATM still has my card"], [1.0, 1, "card_swallowed", "", "How do I retrieve a trapped card from a ATM?"], [1.0, 1, "card_swallowed", "", "My card is stuck in the ATM, what can I do?"], [1.0, 1, "card_swallowed", "", "If my card is trapped in the ATM, what do I do?"], [1.0, 1, "transaction_charged_twice", "", "I would like to know why I was charged twice for my purchase."], [1.0, 1, "transaction_charged_twice", "", "Why was I chaged twice for the same thing?"], [1.0, 1, "transaction_charged_twice", "", "Why is there more then one charge on my card I only paid for one not t"], [1.0, 1, "transaction_charged_twice", "", "Why would I be charged more than once for the same transaction?"], [1.0, 1, "transaction_charged_twice", "", "It appears that I am being double charged for some items that I have p"], [1.0, 1, "transaction_charged_twice", "", "Why was I charged multiple times for the same thing?"], [1.0, 1, "transaction_charged_twice", "", "Why am I being charged twice?"], [1.0, 1, "transaction_charged_twice", "", "I see that I have been charged multiple times for the same transaction"], [1.0, 1, "transaction_charged_twice", "", "I made a payment that got charged twice instead of once."], [1.0, 1, "verify_source_of_funds", "", "where to funds come from"], [1.0, 1, "verify_source_of_funds", "", "I would like to see the source of my money."], [1.0, 1, "verify_source_of_funds", "", "What information do you need to verify my Source of Funds?"], [1.0, 1, "verify_source_of_funds", "", "Can I see that history on my funds and where they came from?"], [1.0, 1, "verify_source_of_funds", "", "How can I see where my money comes from?"], [1.0, 1, "verify_source_of_funds", "", "How can I check the source of my fund?"], [1.0, 1, "verify_source_of_funds", "", "How do I become aware of where my funds come from?"], [1.0, 1, "verify_source_of_funds", "", "What do I need to do to verify the source of my funds?"], [1.0, 1, "transfer_timing", "", "What is the wait time for a transfer from the US?"], [1.0, 1, "transfer_timing", "", "When should I expect to see my transfer hit my account?"], [1.0, 1, "transfer_timing", "", "What is the time frame for a transfer from the US?"], [1.0, 1, "transfer_timing", "", "What would the approximate delivery date be if I transferred something"], [1.0, 1, "transfer_timing", "", "I have to transfer something to China as fast as I can. How long will "], [1.0, 1, "transfer_timing", "", "There is an important thing from China that I need to transfer. Approx"], [1.0, 1, "reverted_card_payment?", "", "Please explain to me the circumstances in which my card payment would "], [1.0, 1, "reverted_card_payment?", "", "Why has my card payment been reverted?"], [1.0, 1, "reverted_card_payment?", "", "I bought something and the money appeared back into my account? Why?"], [1.0, 1, "reverted_card_payment?", "", "My transaction to pay for an item was returned to my account."], [1.0, 1, "change_pin", "", "Can i change my PIN at the ATM?"], [1.0, 1, "change_pin", "", "I would like to change my PIN but I am not currently in the country."], [1.0, 1, "change_pin", "", "Is there a location near me that i can change my PIN?"], [1.0, 1, "change_pin", "", "I'd like to make a new PIN selection."], [1.0, 1, "change_pin", "", "Am I able to change my PIN at any cash machines?"], [1.0, 1, "change_pin", "", "Show me how to change my pin?"], [1.0, 1, "change_pin", "", "What steps do I need to take to change my card PIN?"], [1.0, 1, "beneficiary_not_allowed", "", "My beneficiary is not allowed, please may I have answer as to why this"], [1.0, 1, "transfer_fee_charged", "", "Why was a charged just for transferring?"], [1.0, 1, "transfer_fee_charged", "", "I am being charged a transfer fee aren't they free?"], [1.0, 1, "transfer_fee_charged", "", "Why am I being charged a fee for transferring money?"], [1.0, 1, "transfer_fee_charged", "", "I was charged a fee when making this transfer, and I don't think I sho"], [1.0, 1, "transfer_fee_charged", "", "I sent out money, but was charged extra for transferring. Why?"], [1.0, 1, "transfer_fee_charged", "", "Why was my transfer charged fees?"], [1.0, 1, "transfer_fee_charged", "", "I transferred money and was charged and want to know why."], [1.0, 1, "receiving_money", "", "Can my friends send me money?"], [1.0, 1, "receiving_money", "", "Can I use this account to receive my salary?"], [1.0, 1, "receiving_money", "", "How do I get my paycheck through this?"], [1.0, 1, "failed_transfer", "", "I tried to make a transfer but it failed"], [1.0, 1, "transfer_into_account", "", "How do I go forth on transferring money into my account?"], [1.0, 1, "transfer_into_account", "", "What do I need to do to transfer money into my account?"], [1.0, 1, "transfer_into_account", "", "I would like to transfer some money from my other bank account into th"], [1.0, 1, "transfer_into_account", "", "I need to bank account transfer from another account into this one, wh"], [1.0, 1, "transfer_into_account", "", "I'm trying to transfer money into my account."], [1.0, 1, "verify_top_up", "", "Can I verify a top up?"], [1.0, 1, "verify_top_up", "", "Why do you need code verification for my top up?"], [1.0, 1, "verify_top_up", "", "What is the importance of verifying the top-up?"], [1.0, 1, "verify_top_up", "", "help me find the top-up card's verification code?"], [1.0, 1, "verify_top_up", "", "What is the necessity of verifying the top up?"], [1.0, 1, "getting_spare_card", "", "Would I be able to get another card for my account, so I could give on"], [1.0, 1, "getting_spare_card", "", "Where can I get a second card?"], [1.0, 1, "getting_spare_card", "", "How can I get a second card for my daughter?"], [1.0, 1, "getting_spare_card", "", "When trying to get more than one card is there a extra amount that nee"], [1.0, 1, "getting_spare_card", "", "Is it possible to give a second card for this account to my daughter?"], [1.0, 1, "top_up_by_cash_or_cheque", "", "How do I top-up using cash?"], [1.0, 1, "top_up_by_cash_or_cheque", "", "Is there an option to top up a with cheque?"], [1.0, 1, "top_up_by_cash_or_cheque", "", "Can I add to my account balance with a cheque?"], [1.0, 1, "top_up_by_cash_or_cheque", "", "I'm looking for the option to top up by cheque."], [1.0, 1, "top_up_by_cash_or_cheque", "", "Can I use cash to top up my account?"], [1.0, 1, "top_up_by_cash_or_cheque", "", "How do I deposit cash into my account?"], [1.0, 1, "top_up_by_cash_or_cheque", "", "Why can't I top up with a cheque?"], [1.0, 1, "top_up_by_cash_or_cheque", "", "Can I send a cheque to do my top ups?"], [1.0, 1, "order_physical_card", "", "What do you charge for physical cards?"], [1.0, 1, "virtual_card_not_working", "", "My disposable virtual card doesn't seem to work"], [1.0, 1, "virtual_card_not_working", "", "For some reason, the virtual card won't work for me."], [1.0, 1, "virtual_card_not_working", "", "How can I fix a problem where my virtual card is rejected?"], [1.0, 1, "virtual_card_not_working", "", "My virtual card isn't working. What do I do?"], [1.0, 1, "virtual_card_not_working", "", "My disposable virtual card is not working"], [1.0, 0, "cash_withdrawal_charge", "wrong_exchange_rate_for_cash_withdrawal", "I made a withdraw from the ATM this past holiday and it seems like a w"], [1.0, 1, "wrong_exchange_rate_for_cash_withdrawal", "", "Why was the exchange rate wrong when I got cash"], [1.0, 1, "wrong_exchange_rate_for_cash_withdrawal", "", "When I got cash, my exchange rate was wrong."], [1.0, 1, "wrong_exchange_rate_for_cash_withdrawal", "", "The conversion rate on the ATM that I used with foreign currency was w"], [1.0, 0, "cash_withdrawal_charge", "wrong_exchange_rate_for_cash_withdrawal", "I withdrew some cash out of the ATM over the holiday. It seems that I "], [1.0, 1, "wrong_exchange_rate_for_cash_withdrawal", "", "The cash withdrawal exchange rate is not correct."], [1.0, 1, "get_disposable_virtual_card", "", "How do the disposable cards work?"], [1.0, 1, "get_disposable_virtual_card", "", "Can you explain the disposable cards to me?"], [1.0, 1, "get_disposable_virtual_card", "", "What do I do to get a disposable virtual card?"], [1.0, 1, "get_disposable_virtual_card", "", "May I get a disposable virtual card as well?"], [1.0, 1, "get_disposable_virtual_card", "", "I would like to create a disposable virtual card. How do I go about do"], [1.0, 1, "get_disposable_virtual_card", "", "What is the process of obtaining a disposable virtual card"], [1.0, 1, "get_disposable_virtual_card", "", "I need a disposable virtual card, how do I get one?"], [1.0, 1, "get_disposable_virtual_card", "", "Is there a disposable virtual card I can order?"], [1.0, 0, "disposable_card_limits", "get_disposable_virtual_card", "how many transactions can i make with a disposable card"], [1.0, 1, "top_up_failed", "", "The app denied my topped up."], [1.0, 1, "top_up_failed", "", "So, I tried topping up my card for the today. Unfortunately, it failed"], [1.0, 1, "top_up_failed", "", "Why caused my top up to not work?"], [1.0, 1, "top_up_failed", "", "Why did my top up not work?"], [1.0, 1, "top_up_failed", "", "I topped up but the app did not accept it."], [1.0, 1, "top_up_failed", "", "I think my top up did not work"], [1.0, 1, "top_up_failed", "", "can you check why I wasn't able to top up?"], [1.0, 1, "top_up_failed", "", "How do I know if my top up was unsuccessful?"], [1.0, 1, "balance_not_updated_after_bank_transfer", "", "Why didn't my balance change after I transferred some money?"], [1.0, 0, "pending_transfer", "balance_not_updated_after_bank_transfer", "My transfer is pending."], [1.0, 1, "cash_withdrawal_not_recognised", "", "Why is there a random withdrawal in my app?"], [1.0, 1, "cash_withdrawal_not_recognised", "", "I see a cash withdrawal that I did not perform."], [1.0, 1, "cash_withdrawal_not_recognised", "", "I am seeing in the App a some cash withdrawal that its not mine"], [1.0, 1, "cash_withdrawal_not_recognised", "", "There is a odd withdrawal on my account."], [1.0, 1, "cash_withdrawal_not_recognised", "", "There is an ATM withdrawl in the app I don't recognize."], [1.0, 1, "cash_withdrawal_not_recognised", "", "A cash withdrawal is showing up that I didn't do."], [1.0, 0, "exchange_rate", "exchange_charge", "whats your exchange rate"], [1.0, 1, "exchange_charge", "", "My work sends me all over the world, can I get a discount for all the "], [1.0, 1, "exchange_charge", "", "How much does it cost to exchange currencies?"], [1.0, 1, "exchange_charge", "", "Is there a fee to exchange foreign money?"], [1.0, 1, "exchange_charge", "", "How much do I have to pay for the exchange fee?"], [1.0, 1, "exchange_charge", "", "I was wondering if there were any discounts offered for frequent curre"], [1.0, 1, "exchange_charge", "", "Would I be charged for exchanging currencies?"], [1.0, 1, "exchange_charge", "", "Are there extra charges for exchanging currency?"], [1.0, 1, "top_up_by_card_charge", "", "Are there any fees for adding money with an international card?"], [1.0, 1, "top_up_by_card_charge", "", "Will I get charged for topping off my card?"], [1.0, 1, "top_up_by_card_charge", "", "Will there be any extra fees for European bank card for top up?"], [1.0, 1, "top_up_by_card_charge", "", "Will I be charged if I use European bank card for top up?"], [1.0, 1, "top_up_by_card_charge", "", "I want to use a European bank card for a top up. Must I pay?"], [1.0, 1, "top_up_by_card_charge", "", "When using a US card, what is the cost for a top up/off?"], [1.0, 1, "activate_my_card", "", "Could you please activate my card"], [1.0, 1, "activate_my_card", "", "I need to activate my card can you do that now?"], [1.0, 1, "activate_my_card", "", "How long will it take to activate my new card?"], [1.0, 1, "activate_my_card", "", "What is the process of card activation?"], [1.0, 0, "lost_or_stolen_card", "activate_my_card", "WHAT CAN I DO AFTER THE CARD MISSING"], [1.0, 1, "activate_my_card", "", "Please, activate my card"], [1.0, 1, "activate_my_card", "", "Activating my card"], [1.0, 1, "activate_my_card", "", "What is the process for activating my card?"], [1.0, 1, "activate_my_card", "", "I would like to activate my card to use now, can you help me?"], [1.0, 1, "cash_withdrawal_charge", "", "I see some fees for cash withdraw."], [1.0, 1, "cash_withdrawal_charge", "", "Why am I being charged when I withdraw cash?"], [1.0, 1, "cash_withdrawal_charge", "", "Why are fees charged on cash withdrawals? I went to withdraw some mone"], [1.0, 1, "cash_withdrawal_charge", "", "Do ATM cash withdrawals carry a charge now? They've been free in the p"], [1.0, 1, "cash_withdrawal_charge", "", "Why is there an extra charge for money that was withdrawn?"], [1.0, 1, "cash_withdrawal_charge", "", "Why did I get charged a fee when I tried to obtain cash?"], [1.0, 1, "cash_withdrawal_charge", "", "I was charged extra for a withdrawal"], [1.0, 1, "cash_withdrawal_charge", "", "I thought cash withdrawals were free? Why have I been charged a fee? A"], [1.0, 1, "cash_withdrawal_charge", "", "I took cash and got charged a fee"], [1.0, 1, "cash_withdrawal_charge", "", "Why is there a fee for withdrawing?"], [1.0, 1, "card_about_to_expire", "", "My card's expiring, what happens now?"], [1.0, 1, "card_about_to_expire", "", "My card is about to expire. What do I need to do?"], [1.0, 1, "card_about_to_expire", "", "What do I do if my card is expiring soon?"], [1.0, 1, "card_about_to_expire", "", "Since my card is about to expire, what do I do to get a new one?"], [1.0, 1, "card_about_to_expire", "", "What is the next step if my card is about to expire."], [1.0, 1, "card_about_to_expire", "", "I need a new card, my current card is nearly expired."], [1.0, 1, "card_about_to_expire", "", "It appears my card expires next month, can I order a new one?"], [1.0, 1, "card_about_to_expire", "", "My card is about to expire."], [1.0, 1, "apple_pay_or_google_pay", "", "Google pay and top up, I want it, can I get it?"], [1.0, 1, "verify_my_identity", "", "What can I use to verify my identify?"], [1.0, 1, "verify_my_identity", "", "What do you need for my identity check?"], [1.0, 1, "verify_my_identity", "", "What do I need to verify my identity"], [1.0, 1, "verify_my_identity", "", "What kind of documents do I need for the identity check?"], [1.0, 1, "verify_my_identity", "", "What are the steps to verify my identity?"], [1.0, 1, "verify_my_identity", "", "What can I do to verify my identity?"], [1.0, 1, "verify_my_identity", "", "Is there any documentation needed for the identity check?"], [1.0, 1, "country_support", "", "Can I get a card despite the fact I'm not in the UK?"], [1.0, 1, "country_support", "", "Is my country supported"], [1.0, 1, "country_support", "", "What countries do you support?"], [1.0, 1, "country_support", "", "Do you have a list of countries you operate in?"], [1.0, 1, "country_support", "", "What countries do you currently do business in?"], [1.0, 1, "country_support", "", "What countries do you do business in?"], [1.0, 1, "country_support", "", "What are the countries you operate in."]];

export const ActDial = ({rows, initial = 0.9}) => {
  const [act, setAct] = useState(initial);
  const [picked, setPicked] = useState(null);
  const cols = 35, size = 11, r = 4;
  const order = [...rows].reverse();
  const auto = order.filter(x => x[0] >= act);
  const wrong = auto.filter(x => !x[1]).length;
  const caught = order.length - auto.length - order.filter(x => x[0] < act && x[1]).length;
  const pct = (a, b) => (b ? (100 * a / b).toFixed(1) : "0.0") + "%";
  const color = x => x[0] >= act ? x[1] ? "#7D969B" : "#C64D35" : "rgba(128,128,128,0.3)";
  const height = Math.ceil(order.length / cols) * size;
  const p = picked !== null ? order[picked] : null;
  return <div className="not-prose hunch-widget" style={{
    border: "1px solid rgba(128,128,128,0.25)",
    borderRadius: 12,
    padding: 16,
    margin: "16px 0"
  }}>
      <style>{`.hunch-widget circle{transition:fill .15s} @media (prefers-reduced-motion: reduce){.hunch-widget circle{transition:none}}`}</style>
      <label style={{
    display: "block",
    fontSize: 14
  }}>
        <code>act: {act.toFixed(2)}</code>
        <input type="range" min="0.5" max="0.99" step="0.01" value={act} onChange={e => setAct(Number(e.target.value))} style={{
    width: "100%",
    accentColor: "#7D969B"
  }} aria-label="act threshold" />
      </label>
      <svg viewBox={`0 0 ${cols * size} ${height}`} style={{
    width: "100%",
    display: "block",
    margin: "8px 0"
  }} role="img" aria-label={`${auto.length} of ${order.length} answers automated, ${wrong} of them wrong`}>
        {order.map((x, i) => <circle key={i} cx={i % cols * size + size / 2} cy={Math.floor(i / cols) * size + size / 2} r={r} fill={color(x)} stroke={x[0] < act && !x[1] ? "#C64D35" : "none"} strokeWidth="1.2" onMouseEnter={() => setPicked(i)} onClick={() => setPicked(i)} style={{
    cursor: "pointer"
  }} />)}
      </svg>
      <div style={{
    fontSize: 14,
    lineHeight: 1.6,
    display: "flex",
    flexWrap: "wrap",
    columnGap: 16
  }}>
        <span style={{
    whiteSpace: "nowrap"
  }}><span style={{
    color: "#7D969B"
  }}>●</span> automated, right</span>
        <span style={{
    whiteSpace: "nowrap"
  }}><span style={{
    color: "#C64D35"
  }}>●</span> automated, wrong</span>
        <span style={{
    whiteSpace: "nowrap"
  }}><span style={{
    color: "rgba(128,128,128,0.6)"
  }}>●</span> to a person</span>
        <span style={{
    whiteSpace: "nowrap"
  }}><span style={{
    color: "#C64D35"
  }}>○</span> a mistake the person catches</span>
      </div>
      <p style={{
    fontSize: 15,
    margin: "10px 0 0"
  }}>
        <b>{auto.length}</b> of {order.length} answers automated ({pct(auto.length, order.length)}),{" "}
        <b>{wrong}</b> of them wrong ({pct(wrong, auto.length)}). {order.length - auto.length} go to a person, who catches {caught} mistakes.
      </p>
      <p style={{
    fontSize: 14,
    margin: "8px 0 0",
    minHeight: 44,
    opacity: p ? 1 : 0.6
  }}>
        {p ? <>“{p[4]}{p[4].length >= 70 ? "…" : ""}” <br />model: <code>{p[2]}</code> at {p[0].toFixed(2)}
          {p[1] ? " (right)" : <> · gold: <code>{p[3]}</code></>}</> : "Point at a dot to read the message."}
      </p>
    </div>;
};

Each idea on this page rests on the one before it.

## A row is one thing you judge

A row is one shell command, one agent turn, or one product review, with an id named by the spec's `key`. Rows come from a CSV file, coding-agent session logs (`traces(...)`), or a Python function (`py(file.py:fn)`).

## A question asks one thing of every row

A question has `instructions`, which say what is being asked, and usually `criteria`, which describe the possible answers. The model sees these together with the row's `state`, the columns you chose to show it. It never sees the question's name, so the instructions must carry the whole meaning.

The answer is always typed, never free text. The type decides its shape:

| Type     | The answer                                                | For example                                                   |
| -------- | --------------------------------------------------------- | ------------------------------------------------------------- |
| `choice` | one option, with a probability for each                   | how an agent's turn went: worked, failed, redirected, unclear |
| `noul`   | the probability that the answer is yes                    | would this command destroy something hard to undo             |
| `score`  | a level on a described scale                              | how risky a change is, from harmless to irreversible          |
| `multi`  | yes or no for each option, asked as one `noul` per option | which kinds of side effect a command has                      |

## A spec writes the questions down

A spec is a YAML file for one judgment. It says where the rows come from, what the model sees, which questions to ask, and which tests the answers must pass. It lives in git beside your code.

A folder of specs is a [project](/reference/projects), where one judgment can read another's results.

## Every answer is stored under its exact input

When hunch asks a question, it stores the answer in `.hunch/store.sqlite`. The answer is filed under a key made from the exact request: the model, the state, and the question as sent. The same request is never paid for twice.

Here is what goes into that key, and what stays out:

```yaml theme={null}
model: jev-1.13.0             # in the key
state: [request, command]     # in the key: these columns' values, after redact and clip
questions:
  destroys:                   # the name: not sent, not in the key
    type: noul                # in the key
    instructions: Would running `command` delete something in a way that is hard to undo?   # in the key
    criteria: {...}           # in the key
    act: 0.90                 # not sent, not in the key
    gold: gold_destroys       # not sent, not in the key
tests: {...}                  # not sent, not in the key
```

This one rule explains much of how hunch behaves:

* A re-run with nothing changed costs nothing.
* Changing one question asks only that question again.
* Old answers stay in the store, so `diff` can compare two versions of a spec without asking anything.

## Gold is the answer you trust

To say how often the model is right, you need rows where the right answer is known. hunch calls that gold. It comes from an answer-key column in your data (`gold:`), or from your own verdicts in review.

An answer key is someone else's judgment, and it can be wrong ([one public key](/cookbooks/banking-intents) was wrong four times as often as the model). So hunch treats a key as a starting point: the rows where the model and the key disagree are the first ones it asks you about.

## act decides what a person sees

An answer given at 0.55 deserves less trust than one given at 0.99. `act` is the confidence below which an answer is not acted on automatically; those rows go to review instead.

Choosing `act` is a trade. Set it higher and fewer rows are automated, but fewer of those are wrong. `hunch test` shows this trade as a dial, with one line per threshold, so you can pick with numbers. Neither `act` nor `gold` is sent to the model, so changing them asks nothing.

Here is that trade on 770 real answers from the [banking cookbook](/cookbooks/banking-intents). Each dot is one message, the most confident at the top. Move `act` and watch mistakes leave the automated block and land with a person:

<ActDial rows={DIAL_ROWS} initial={0.9} />

At 0.90, 82.6% of answers are automated and 8.2% of those are wrong. Point at a red dot near the top: some of the model's most confident "mistakes" are the answer key's.

## Review turns your verdicts into gold

`hunch review` shows you rows one at a time and records your verdict. It orders them by how much each verdict tells hunch:

1. rows where the model and the answer key disagree
2. a random sample of the rest
3. rows below `act`

The random sample matters. If you only reviewed disagreements, every verdict could only move the estimate up. Random rows let `test` estimate accuracy honestly, with a range around it.

A verdict belongs to the exact text you judged. If the row's text changes, the old verdict no longer counts, and the row comes back to the queue.

## An engine answers the questions

The examples use TypeSafe's Jev, a model built to return typed answers with probabilities. Any LLM that exposes token probabilities also works. See [Engines](/reference/engines).

## How the pieces meet

Work goes round this loop: `run` a spec, `review` a sample, `test`, then change the spec and `diff` to see what flipped.

<ReviewLoop />

Your application can call the same spec with [`hunch.judge(...)`](/guides/use-in-your-app).
