Gini of 0.47 on hold-out: passes (above 0.30). A drop of 0.06 from dev to test is within typical degradation (<10 Gini points). Not a failure, but should be monitored. - PSI of 0.19 on live population: in the "monitor" zone (0.10–0.25) — not a failure yet, but warrants a 6-month monitoring trigger a