# ACT and REVIEW vocabulary.
#
# Every term is matched as a WHOLE WORD against the subject plus the first 400
# characters of the body. Not as a substring, and not over the whole message —
# both of those were measured on 2026-07-29 and both were manufacturing noise:
#
#   "fine"    140 substring hits, 48 real words. 92 were "define" and "refined".
#   "invoice"  89 substring hits, 44 real words. 45 were "invoiced".
#   "payment" 433 substring hits, 290 real words.
#   "visa"    matched the card brand in every payment footer.
#   "notice"  351 real-word hits, and almost every one of them was "Privacy Notice"
#             in a footer. Dropped entirely — "final notice" survives under money,
#             which is the form that actually means something.
#
# Dropped 2026-07-29: bare "notice", bare "fine". Both were pure boilerplate bait.
# Added: unpaid, direct debit, tribunal, infringement, penalty, summons, breach,
# unauthorised — the words that appear when something has actually gone wrong.

[act]
money = [
  "payment", "overdue", "invoice", "arrears", "suspended", "declined",
  "failed payment", "final notice", "unpaid", "direct debit"
]
legal = [
  "visa", "immigration", "passport", "residency", "citizenship",
  "home affairs", "solicitor", "court", "tribunal", "infringement",
  "penalty", "summons", "breach"
]
security = [
  "password", "sign-in", "security alert", "suspicious",
  "verify your account", "new device", "unauthorised"
]

[review]
terms = [
  "renewal", "statement", "policy", "appointment", "booking",
  "confirmation", "receipt"
]
