{
  "version": "1.0.0",
  "measured_on": "2026-09-27",
  "corpora": [
    "OpenStreetMap branded Australian outlets (ODbL), judged once per brand, over 20,502 sites.",
    "The Consumer Data Right Register: all 84 energy retailers a household can hold a bill from, all 117 banking brands, and all 131 non-bank lenders.",
    "Every insurer registered to sell private health cover in Australia, from the Private Health Insurance Ombudsman (54 names, including the brands one fund underwrites for another company).",
    "Every Commonwealth payment the Department of Social Services reports recipients for, taken from the column headings of its own release (24 names, read as money in).",
    "Forty thousand real venue trading names from three states’ liquor and fuel registers (CC-BY), which carry no right answer and so measure what this SAYS rather than whether it is right."
  ],
  "coverage_is_not_accuracy": "Coverage is how many payees are categorised at all; accuracy is how many of those are right. They are reported apart because one number combining them would hide whichever half is worse.",
  "by_band": [
    {
      "band": "named",
      "names": 346,
      "claimed_a_category": 346,
      "right": 345,
      "accuracy": 0.99,
      "why": "A rule matched the merchant’s name in the description."
    },
    {
      "band": "kind",
      "names": 85,
      "claimed_a_category": 85,
      "right": 84,
      "accuracy": 0.99,
      "why": "A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee."
    },
    {
      "band": "inferred",
      "names": 0,
      "claimed_a_category": 0,
      "right": 0,
      "accuracy": 0.35,
      "why": "No rule matched. The size and direction of the money were used instead, which is a guess and is marked as one."
    },
    {
      "band": "declined",
      "names": 10,
      "claimed_a_category": 0,
      "right": 0,
      "accuracy": 0,
      "why": "The name is recognised and is deliberately not categorised, because the name does not settle what the payment was."
    },
    {
      "band": "unknown",
      "names": 812,
      "claimed_a_category": 0,
      "right": 0,
      "accuracy": 0,
      "why": "Nothing in the description matched a rule."
    }
  ],
  "precision_floor": 0.95,
  "precision_floor_is_per_category": "Every category has to clear it on its own, not on average. An average passes while one line of an assessment is wrong two times in five. There is no floor on coverage, which is what makes declining an ambiguous name the honest answer — and coverage is reported on every row so that a fall in it cannot be traded quietly for a rise in precision.",
  "by_category": [
    {
      "category": "transport",
      "label": "Transport and fuel",
      "names": 225,
      "categorised": 28,
      "coverage": 0.124,
      "right_of_those": 27,
      "precision": 0.964,
      "clears_precision_floor": true,
      "third_party_named": 36
    },
    {
      "category": "shopping",
      "label": "Shopping",
      "names": 193,
      "categorised": 85,
      "coverage": 0.44,
      "right_of_those": 84,
      "precision": 0.988,
      "clears_precision_floor": true,
      "third_party_named": 84
    },
    {
      "category": "dining",
      "label": "Eating out and takeaway",
      "names": 190,
      "categorised": 77,
      "coverage": 0.405,
      "right_of_those": 77,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 62
    },
    {
      "category": "loan_repayment",
      "label": "Loan repayment",
      "names": 113,
      "categorised": 18,
      "coverage": 0.159,
      "right_of_those": 18,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 18
    },
    {
      "category": "utilities",
      "label": "Utilities",
      "names": 84,
      "categorised": 67,
      "coverage": 0.798,
      "right_of_those": 67,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 65
    },
    {
      "category": "insurance",
      "label": "Insurance",
      "names": 66,
      "categorised": 33,
      "coverage": 0.5,
      "right_of_those": 33,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 17
    },
    {
      "category": "cash_withdrawal",
      "label": "Cash withdrawal",
      "names": 43,
      "categorised": 10,
      "coverage": 0.233,
      "right_of_those": 10,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 0
    },
    {
      "category": "health",
      "label": "Health",
      "names": 41,
      "categorised": 19,
      "coverage": 0.463,
      "right_of_those": 19,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 11
    },
    {
      "category": "groceries",
      "label": "Groceries",
      "names": 31,
      "categorised": 20,
      "coverage": 0.645,
      "right_of_those": 20,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 20
    },
    {
      "category": "housing_rent",
      "label": "Rent",
      "names": 26,
      "categorised": 8,
      "coverage": 0.308,
      "right_of_those": 8,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 5
    },
    {
      "category": "income_government",
      "label": "Government benefit",
      "names": 24,
      "categorised": 17,
      "coverage": 0.708,
      "right_of_those": 17,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 17
    },
    {
      "category": "housing_mortgage",
      "label": "Mortgage repayment",
      "names": 21,
      "categorised": 21,
      "coverage": 1,
      "right_of_those": 21,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 0
    },
    {
      "category": "education",
      "label": "Education and childcare",
      "names": 17,
      "categorised": 10,
      "coverage": 0.588,
      "right_of_those": 10,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 2
    },
    {
      "category": "entertainment",
      "label": "Entertainment and subscriptions",
      "names": 9,
      "categorised": 5,
      "coverage": 0.556,
      "right_of_those": 5,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 5
    },
    {
      "category": "travel",
      "label": "Travel",
      "names": 8,
      "categorised": 4,
      "coverage": 0.5,
      "right_of_those": 4,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 4
    },
    {
      "category": "telco",
      "label": "Phone and internet",
      "names": 6,
      "categorised": 3,
      "coverage": 0.5,
      "right_of_those": 3,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 3
    },
    {
      "category": "credit_card",
      "label": "Credit card payment",
      "names": 4,
      "categorised": 4,
      "coverage": 1,
      "right_of_those": 4,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 4
    },
    {
      "category": "gambling",
      "label": "Gambling",
      "names": 1,
      "categorised": 1,
      "coverage": 1,
      "right_of_those": 1,
      "precision": 1,
      "clears_precision_floor": true,
      "third_party_named": 1
    }
  ],
  "must_not_answer": {
    "names": 151,
    "answeredAnyway": 0,
    "declined": 2
  },
  "long_tail": {
    "names": 39548,
    "named": 2214,
    "kind": 5115,
    "unknown": 32183
  },
  "not_measured": [
    "income_salary",
    "income_other",
    "bnpl",
    "transfer",
    "fees"
  ],
  "not_measured_why": {
    "income_salary": "An employer is any of two and a half million registered businesses. The only complete list is the business register, and a household is paid by one row of it.",
    "income_other": "A dividend, a refund, a private sale. Nobody publishes a register of the people who send a household money.",
    "bnpl": "The providers are in the Consumer Data Right’s non-bank lending register and their names do not say the product — \"Zip\", \"humm\" — so the register settles that they are credit providers and not which kind. They are measured as a commitment rather than split out, because splitting them would be this repository deciding the answer the corpus declined to give.",
    "transfer": "Not a payee at all. A transfer is recognised from the words a bank writes for its own rails. Those words are held to the 95% floor on 719 lines from 14 banks, but the rules were written from those lines, so that is a floor that must hold rather than a measurement.",
    "fees": "Not a payee either. A bank names its own fees, so the wording belongs to the bank rather than to a company a register could list. The same 719 lines of bank wording hold fees to the floor, for the same reason not as a measurement."
  },
  "silence_is_not_a_pass": "A category with no independent corpus is reported here rather than left out. Silence is not a pass.",
  "re_run_it": "npm run audit:enrich"
}