Chunking Strategies

DOCS = {
"Northwind Health Plan — Benefits Summary": """## Vision
Vision correction is a covered benefit under every plan tier, including glasses and contact lenses.
Members may choose any in-network optometrist without a referral, and a routine eye exam is included once a year.
The plan reimburses up to two hundred dollars toward frames, which resets each January.
The benefit begins only after twelve months of continuous enrollment, so a new member is not eligible in the first year.

## Dental
Routine dental cleanings are covered twice per calendar year at no cost to the member.
Basic procedures such as fillings are covered at eighty percent after the deductible is met.
Major dental work such as crowns, bridges, and root canals requires pre-authorization from the plan before treatment.
Cosmetic procedures like whitening are never covered under any tier.

## Mental Health
Therapy sessions with a licensed in-network provider are fully covered with no copay.
Members can start care through the online portal or a primary-care referral.
This coverage is limited to twenty sessions per calendar year, after which the member pays out of pocket.
Inpatient psychiatric care follows the separate hospitalization schedule.""",

"Cloudly — Billing, Refunds and Cancellation Policy": """## Refunds
Monthly plans qualify for a full refund within thirty days of the original purchase.
Annual plans are non-refundable once the term has begun, and annual customers may only cancel future renewals.
Add-on purchases and one-time credits are non-refundable in all cases.
Promotional credits expire after ninety days and are never refundable for cash.
Enterprise contracts follow custom refund terms negotiated with the account manager.
A chargeback filed with the bank immediately suspends the workspace until the balance is settled.

## Cancellation
You may cancel your subscription at any time from the account dashboard, effective at the end of the current cycle.
Cancelling stops all future charges but does not refund the current billing period, which stays active until it ends.
There is no cancellation fee on any plan.

## Data retention
Your workspace data is retained for ninety days after cancellation so you can reactivate without loss.
During that window you can export everything as a single archive from the settings page.
After the ninety-day window the data is permanently deleted and cannot be recovered by support.""",

"Northwind Devices — Warranty and Returns": """## Warranty coverage
The standard warranty covers manufacturing defects for two years from the delivery date.
It includes the battery, the display, and all internal components under normal use.
It requires registering the device within thirty days of purchase, otherwise claims are declined.

## Accidental damage
Accidental damage such as cracked screens and liquid spills is not covered by the standard warranty.
Accidental damage protection can be added for an extra monthly fee within the first month of ownership.

## Returns
Unopened devices may be returned within fourteen days of delivery for a full refund.
Opened devices in good condition can still be returned, but are subject to a restocking fee of fifteen percent.
Engraved or custom-configured devices are final sale and cannot be returned.
Clearance items marked as final sale are not eligible for any return.
Bulk orders of ten units or more follow a separate return agreement signed at purchase.""",

"Globetrek Travel Insurance — Policy Summary": """## Medical
Emergency medical treatment abroad is covered up to one million dollars per trip.
The policy also covers emergency dental for the immediate relief of pain.
Coverage requires notifying the assistance line within twenty-four hours of admission.

## Trip cancellation
Cancellation due to a documented illness or injury is fully refundable.
Cancellation because you simply changed your mind is not covered under any tier.
Cancellation caused by severe weather is reimbursed at fifty percent of the trip cost.
Cancellation caused by an airline fault must be claimed from the airline, not the policy.
Losses arising from a declared pandemic are excluded from all cancellation cover.

## Baggage
Lost or stolen baggage is reimbursed up to one thousand dollars per person.
A claim requires filing a report with the carrier within twenty-one days of the incident.
Valuables such as jewelry and electronics are capped at two hundred dollars each.""",

"Riverside School — Attendance Policy": """## Absences
An absence for a documented illness is excused with a note from a parent or doctor.
An absence with no note within two school days is recorded as unexcused.
An absence for a family emergency is excused at the principal's discretion.
An absence for a recognized religious observance is excused when arranged in advance.
An absence for a college visit is excused for juniors and seniors only.

## Tardiness
Students are allowed three late arrivals per quarter without penalty.
The fourth late arrival in a quarter results in an after-school detention.

## Truancy
Truancy is reported to the district after ten unexcused absences in a school year.
A truancy referral triggers a mandatory meeting with the family.""",

"Acme Corp — Employee Expense Policy": """## Travel
Airfare is reimbursed in economy class only, unless a flight exceeds eight hours.
Hotel stays are reimbursed up to two hundred dollars per night, excluding taxes.
Meals are reimbursed up to seventy-five dollars per day on travel days.
Rideshare and taxi fares are reimbursed with an itemized receipt.
A rental car requires manager approval before the trip.

## Reimbursement
Expenses are reimbursed only when receipts are submitted within thirty days of the expense.
Reimbursements are paid to the employee with the next payroll cycle.

## Non-reimbursable
Alcohol is never reimbursed, even during a client dinner.
Personal entertainment such as movies and minibar charges is not reimbursed.
Traffic fines and parking tickets are the employee's own responsibility.""",

"First Meridian Bank — Card Chargeback Policy": """## Disputes
An unauthorized charge can be disputed for a provisional refund.
A dispute must be filed within sixty days of the statement showing the charge.
The cardholder must attempt to resolve the issue with the merchant first.

## Merchant errors
A duplicate charge for a single purchase is refunded once verified.
A charge for the wrong amount is corrected to the agreed price.
A charge for goods that never arrived is refunded after an investigation.
A subscription billed after cancellation is reversed with proof of the cancellation.

## Provisional credit
A provisional credit is issued while the dispute is investigated.
The credit is applied within ten business days of the filed dispute.
The credit is reversed if the dispute is later found to be invalid.""",

"StratusCloud — SLA and Support Tiers": """## Uptime
The platform guarantees ninety-nine point nine percent monthly uptime.
Scheduled maintenance windows are announced in advance and excluded from the calculation.
A service credit requires opening a ticket within thirty days of the incident.

## Support tiers
Basic support answers email within twenty-four hours on business days.
Standard support answers within eight hours including weekends.
Premium support offers one-hour phone response around the clock.
Enterprise support assigns a dedicated technical account manager.

## Service credits
An uptime between ninety-nine and ninety-nine point nine percent earns a ten percent credit.
An uptime between ninety-five and ninety-nine percent earns a twenty-five percent credit.
An uptime below ninety-five percent earns a fifty percent credit.""",

"Seaside Rentals — Booking and Cancellation": """## Cancellation
A cancellation thirty days or more before arrival receives a full refund.
A cancellation between fourteen and thirty days before arrival receives fifty percent.
A cancellation within fourteen days of arrival receives no refund.
A booking made during peak season is non-refundable regardless of notice.
If the owner cancels the booking, the guest receives a full refund plus a comparable rebooking.

## Check-in
Standard check-in begins at three in the afternoon.
An early check-in requires arrangement with the owner in advance.

## Damage deposit
The damage deposit is refunded after the property passes inspection.
The refund is issued within fourteen days of departure.""",

"Nimbus — Privacy and Data Retention": """## Retention
Account data is retained until the user requests deletion of the account.
Server logs are retained for ninety days and then rotated out.
Encrypted backups are kept for thirty days before they are overwritten.
Records under an active legal hold are retained indefinitely until the hold is lifted.
Marketing contact data is retained until the user opts out of communications.

## Deletion
A deletion request is honored for all personal data on file.
Deletion is completed within thirty days of the verified request.

## Sharing
Personal data is never sold to third parties.
Data is shared with processors only under a signed data processing agreement.
Data may be disclosed when required by a lawful legal request.""",
}

# (question, type, [answer, *conditions], [distractors])
QUESTIONS = [
 ("Is vision correction covered by the health plan?", "condition",
   ["Vision correction is a covered benefit", "after twelve months of continuous enrollment"], []),
 ("When do vision benefits start for a new member?", "condition",
   ["after twelve months of continuous enrollment"], []),
 ("Is a routine eye exam included?", "direct", ["a routine eye exam is included once a year"], []),
 ("Are routine dental cleanings covered?", "direct", ["Routine dental cleanings are covered twice"], []),
 ("Do I need approval before getting a crown?", "condition",
   ["Major dental work such as crowns", "requires pre-authorization from the plan"], []),
 ("Is teeth whitening covered?", "negative", ["Cosmetic procedures like whitening are never covered"], []),
 ("Is therapy covered by the plan?", "condition",
   ["Therapy sessions with a licensed", "limited to twenty sessions per calendar year"], []),
 ("How many therapy sessions do I get per year?", "condition",
   ["limited to twenty sessions per calendar year"], []),
 ("Can I get a refund on a monthly plan?", "competing",
   ["Monthly plans qualify for a full refund within thirty days"],
   ["Annual plans are non-refundable", "Add-on purchases and one-time credits are non-refundable", "Promotional credits expire after ninety days"]),
 ("Can I get a refund on an annual plan?", "competing",
   ["Annual plans are non-refundable once the term has begun"],
   ["Monthly plans qualify for a full refund within thirty days", "Add-on purchases and one-time credits are non-refundable"]),
 ("Are add-on purchases refundable?", "competing",
   ["Add-on purchases and one-time credits are non-refundable"],
   ["Monthly plans qualify for a full refund within thirty days", "Annual plans are non-refundable"]),
 ("Do promotional credits ever get refunded?", "competing",
   ["Promotional credits expire after ninety days and are never refundable"],
   ["Monthly plans qualify for a full refund within thirty days"]),
 ("What happens if I file a chargeback?", "direct",
   ["A chargeback filed with the bank immediately suspends the workspace"], []),
 ("If I cancel, do I get money back for the current period?", "condition",
   ["does not refund the current billing period"], []),
 ("Is there a fee to cancel?", "direct", ["There is no cancellation fee on any plan"], []),
 ("How long is my data kept after I cancel?", "direct",
   ["retained for ninety days after cancellation"], []),
 ("Can support recover my data long after cancelling?", "negative",
   ["permanently deleted and cannot be recovered"], []),
 ("How long is the device warranty?", "condition",
   ["covers manufacturing defects for two years", "registering the device within thirty days"], []),
 ("Do I need to register my device for the warranty?", "condition",
   ["registering the device within thirty days"], []),
 ("Is a cracked screen covered under warranty?", "negative",
   ["cracked screens and liquid spills is not covered"], []),
 ("Can I add accidental damage protection?", "condition",
   ["Accidental damage protection can be added", "within the first month of ownership"], []),
 ("Can I return an opened device?", "competing",
   ["subject to a restocking fee of fifteen percent"],
   ["Unopened devices may be returned within fourteen days", "Engraved or custom-configured devices are final sale"]),
 ("Can I return an engraved device?", "competing",
   ["Engraved or custom-configured devices are final sale"],
   ["Unopened devices may be returned within fourteen days", "subject to a restocking fee of fifteen percent"]),
 ("How long do I have to return an unopened device?", "competing",
   ["Unopened devices may be returned within fourteen days"],
   ["subject to a restocking fee of fifteen percent", "Engraved or custom-configured devices are final sale"]),
 ("Is emergency medical treatment abroad covered?", "condition",
   ["Emergency medical treatment abroad is covered", "notifying the assistance line within twenty-four hours"], []),
 ("Do I have to report a medical emergency within a time limit?", "condition",
   ["notifying the assistance line within twenty-four hours"], []),
 ("Can I cancel my trip because I got sick?", "competing",
   ["a documented illness or injury is fully refundable"],
   ["Cancellation because you simply changed your mind is not covered", "Cancellation caused by severe weather is reimbursed at fifty percent"]),
 ("Can I cancel because I changed my mind?", "competing",
   ["Cancellation because you simply changed your mind is not covered"],
   ["a documented illness or injury is fully refundable", "Cancellation caused by severe weather is reimbursed at fifty percent"]),
 ("What if bad weather forces me to cancel?", "competing",
   ["severe weather is reimbursed at fifty percent"],
   ["a documented illness or injury is fully refundable", "changed your mind is not covered"]),
 ("Is a pandemic-related cancellation covered?", "negative",
   ["a declared pandemic are excluded"], []),
 ("Is lost baggage covered, and any conditions?", "condition",
   ["Lost or stolen baggage is reimbursed up to one thousand dollars", "filing a report with the carrier within twenty-one days"], []),
 ("Is an absence for illness excused?", "competing",
   ["absence for a documented illness is excused"],
   ["no note within two school days is recorded as unexcused", "college visit is excused for juniors and seniors only"]),
 ("Is a college visit an excused absence?", "competing",
   ["college visit is excused for juniors and seniors only"],
   ["absence for a documented illness is excused", "family emergency is excused at the principal's discretion"]),
 ("What happens on my fourth late arrival?", "condition",
   ["fourth late arrival in a quarter results in an after-school detention"], []),
 ("How many late arrivals are allowed?", "direct",
   ["allowed three late arrivals per quarter"], []),
 ("When is truancy reported to the district?", "condition",
   ["reported to the district after ten unexcused absences"], []),
 ("Can I fly business class?", "condition",
   ["reimbursed in economy class only", "unless a flight exceeds eight hours"], []),
 ("How much can I spend on a hotel per night?", "competing",
   ["reimbursed up to two hundred dollars per night"],
   ["Meals are reimbursed up to seventy-five dollars per day", "Airfare is reimbursed in economy class only"]),
 ("What is the daily meal limit?", "competing",
   ["reimbursed up to seventy-five dollars per day"],
   ["reimbursed up to two hundred dollars per night", "Airfare is reimbursed in economy class only"]),
 ("Do I need approval for a rental car?", "direct",
   ["rental car requires manager approval"], []),
 ("By when must I submit expense receipts?", "condition",
   ["receipts are submitted within thirty days"], []),
 ("Can I expense alcohol at a client dinner?", "negative",
   ["Alcohol is never reimbursed"], []),
 ("How long do I have to dispute a charge?", "condition",
   ["dispute must be filed within sixty days"], []),
 ("Can I dispute an unauthorized charge right away?", "condition",
   ["unauthorized charge can be disputed", "must attempt to resolve the issue with the merchant first"], []),
 ("What if I was charged twice for one purchase?", "competing",
   ["duplicate charge for a single purchase is refunded"],
   ["charge for the wrong amount is corrected", "goods that never arrived is refunded after an investigation"]),
 ("What if I was billed after cancelling a subscription?", "competing",
   ["subscription billed after cancellation is reversed"],
   ["duplicate charge for a single purchase is refunded", "charge for the wrong amount is corrected"]),
 ("When do I get the provisional credit?", "condition",
   ["applied within ten business days"], []),
 ("What uptime is guaranteed?", "direct",
   ["ninety-nine point nine percent monthly uptime"], []),
 ("How do I claim a service credit?", "condition",
   ["service credit requires opening a ticket within thirty days"], []),
 ("What response time does Premium support give?", "competing",
   ["Premium support offers one-hour phone response"],
   ["Basic support answers email within twenty-four hours", "Standard support answers within eight hours"]),
 ("What does Basic support offer?", "competing",
   ["Basic support answers email within twenty-four hours"],
   ["Premium support offers one-hour phone response", "Enterprise support assigns a dedicated technical account manager"]),
 ("What credit do I get for uptime below ninety-five percent?", "competing",
   ["below ninety-five percent earns a fifty percent credit"],
   ["ninety-nine and ninety-nine point nine percent earns a ten percent credit", "ninety-five and ninety-nine percent earns a twenty-five percent credit"]),
 ("Do I get a refund if I cancel three weeks before arrival?", "competing",
   ["between fourteen and thirty days before arrival receives fifty percent"],
   ["thirty days or more before arrival receives a full refund", "within fourteen days of arrival receives no refund"]),
 ("Is a peak-season booking refundable?", "competing",
   ["peak season is non-refundable regardless of notice"],
   ["thirty days or more before arrival receives a full refund", "between fourteen and thirty days before arrival receives fifty percent"]),
 ("What time is check-in?", "direct",
   ["check-in begins at three in the afternoon"], []),
 ("When do I get my damage deposit back?", "condition",
   ["refunded after the property passes inspection", "issued within fourteen days of departure"], []),
 ("How long are server logs kept?", "competing",
   ["Server logs are retained for ninety days"],
   ["Account data is retained until the user requests deletion", "Encrypted backups are kept for thirty days"]),
 ("How long are backups kept?", "competing",
   ["Encrypted backups are kept for thirty days"],
   ["Server logs are retained for ninety days", "Account data is retained until the user requests deletion"]),
 ("How long does account deletion take?", "condition",
   ["completed within thirty days of the verified request"], []),
 ("Is my personal data sold to third parties?", "negative",
   ["Personal data is never sold"], []),
 ("Can my data be disclosed for legal reasons?", "direct",
   ["disclosed when required by a lawful legal request"], []),
]
from collections import Counter
counts = Counter(t for _, t, _, _ in QUESTIONS)
print(f"{len(DOCS)} documents · {len(QUESTIONS)} questions")
print("by type:", dict(counts))
print(f"multi-span questions needing answer + condition: {sum(len(a) > 1 for _, t, a, _ in QUESTIONS if t != 'competing')}"
      f"  ·  competing questions (with distractors): {sum(bool(d) for *_, d in QUESTIONS)}")