=== Report 1: Corrected Tidewick Revenue by Month, 2025 (validated EUR conversion) (written by Grace) === Engineer's note: Built exactly per the specified per-payout EUR conversion method (gross/fee/net divided by EUR→currency rate matched on paid_at date, rate=1 for EUR payouts), filtered to status in ('paid','completed'). Prior-year fee column matches the same calendar month in 2024 using the identical conversion method. REPORT: Corrected Tidewick Revenue by Month, 2025 (validated EUR conversion) QUESTION: What is the correct month-by-month view of Tidewick's 2025 gross payout volume and processing-fee revenue, using the per-payout EUR conversion method validated against the currency reconciliation? month | payout_count | gross_volume_eur | fee_revenue_eur | net_paid_out_eur | fee_rate_pct | fee_revenue_prior_year_eur --------+--------------+------------------+-----------------+------------------+--------------+--------------------------- 2025-01 | 958 | 336997.3 | 7925.21 | 253932.01 | 2.4 | 5121.57 2025-02 | 752 | 280023.05 | 6459.16 | 243182.77 | 2.3 | 5539.86 2025-03 | 871 | 255837.34 | 5985.68 | 223413.62 | 2.3 | 8182.78 2025-04 | 839 | 340937.07 | 7828.37 | 304687.99 | 2.3 | 5249.7 2025-05 | 878 | 334528.07 | 7178.24 | 278317.0 | 2.1 | 5641.83 2025-06 | 840 | 229136.55 | 5713.03 | 184551.27 | 2.5 | 4767.01 2025-07 | 851 | 239376.66 | 6028.64 | 203551.42 | 2.5 | 5620.38 2025-08 | 869 | 259058.79 | 6808.71 | 225922.27 | 2.6 | 4710.35 2025-09 | 874 | 259147.15 | 5871.99 | 227184.81 | 2.3 | 5717.95 2025-10 | 959 | 351845.4 | 8090.78 | 304170.97 | 2.3 | 6290.06 2025-11 | 1154 | 471485.44 | 11427.35 | 412663.97 | 2.4 | 7443.25 2025-12 | 1441 | 614615.16 | 14266.05 | 493277.91 | 2.3 | 11829.11 TOTAL | 11286 | 3972987.99 | 93583.2 | 3354856.0 | 2.4 | 76113.86 (13 rows) === Report 2: Company-Wide Refund Rate Trend by Quarter, 2024-2025 (written by Bea) === Engineer's note: Prior-year column is null for 2024 rows by construction since the source window starts 2024-01-01 (no 2023 data pulled in); EUR conversion divides each amount by the EUR->currency_code daily rate, matching the payouts convention. REPORT: Company-Wide Refund Rate Trend by Quarter, 2024-2025 QUESTION: Is Tidewick's overall refund rate rising, falling, or flat over the last two years, and does it spike around the Nov/Dec peak-volume period? quarter | payment_count | gross_captured_eur | amount_refunded_eur | refund_rate_pct | refund_rate_same_quarter_prior_year_pct --------+---------------+--------------------+---------------------+-----------------+---------------------------------------- 2024-Q1 | 1753 | 443060.0 | 46897.52 | 10.58 | NULL 2024-Q2 | 1890 | 443690.4 | 46481.96 | 10.48 | NULL 2024-Q3 | 1956 | 540910.23 | 45449.84 | 8.4 | NULL 2024-Q4 | 3484 | 799816.05 | 113006.0 | 14.13 | NULL 2025-Q1 | 2429 | 694589.94 | 53953.48 | 7.77 | 10.58 2025-Q2 | 2417 | 605811.02 | 64609.26 | 10.66 | 10.48 2025-Q3 | 2525 | 582250.66 | 78289.11 | 13.45 | 8.4 2025-Q4 | 4269 | 928304.74 | 110674.65 | 11.92 | 14.13 (8 rows) === Report 3: Apparel & Footwear Refund Rate Trend by Quarter, 2024-2025 (written by Bea) === Engineer's note: Quarter buckets come from calendar_days (so all 8 quarters print even if a quarter had zero qualifying apparel payments, shown as 0/NULL). Refund rates are volume-weighted (total refunded / total captured) per quarter, matching the company-wide refund trend report's EUR conversion method. REPORT: Apparel & Footwear Refund Rate Trend by Quarter, 2024-2025 QUESTION: Within the outlier Apparel & Footwear vertical, is the elevated refund rate structural/stable or getting worse over time, and how does it compare to the company average each quarter? quarter | merchant_count | payment_count | gross_captured_eur | amount_refunded_eur | refund_rate_pct | company_avg_refund_rate_pct --------+----------------+---------------+--------------------+---------------------+-----------------+---------------------------- 2024-Q1 | 7 | 894 | 197075.62 | 41567.9 | 21.09 | 10.58 2024-Q2 | 8 | 922 | 181654.82 | 41182.07 | 22.67 | 10.48 2024-Q3 | 9 | 988 | 168971.48 | 35312.27 | 20.9 | 8.4 2024-Q4 | 9 | 1975 | 386950.72 | 99873.88 | 25.81 | 14.13 2025-Q1 | 11 | 1150 | 216621.44 | 44831.18 | 20.7 | 7.77 2025-Q2 | 11 | 1169 | 198881.22 | 44578.08 | 22.41 | 10.66 2025-Q3 | 11 | 1212 | 192047.6 | 42818.11 | 22.3 | 13.45 2025-Q4 | 11 | 2298 | 470544.84 | 91672.62 | 19.48 | 11.92 (8 rows)