fix: deliver validated AI insight responses
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docs/decisions/0018-payment-update-watermarks.md
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docs/decisions/0018-payment-update-watermarks.md
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# ADR 0018: Evaluate coach progress from versioned payment watermarks
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Payment ingestion publishes a version identifier through `PaymentUpdateListener`. The current CSV importer uses its source checksum; future webhook/API adapters use the same boundary. Metric evaluation snapshots are unique per action and watermark. Static datasets remain static in the UI and never create simulated progress.
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