I am seeing a new toolbox with risk management. It shows the Account refund rate and Account chargeback rate. Currently it is in blue(that is good stage). But interesting fact is, I have the account for the past one year only, with zero refunds or chargeback and g0t paid few times direct to bank. Still these predictions are showing numbers Over 7% for refund rate and .6 for chargeback rate. I think, there algorithm is working in wrong direction and we need to be careful in getting more affiliate sale in future. What about your experience in this matter.