We keep measuring ai-bookkeeper's built-in keyword layer on card memos it has not been tuned on. This time: 168 card charges from the first 40 transparent organisations on page 4 of Hack Club's public HCB feed.
Held out: 68 suggested (40.5%). Earlier held-out readings were 17.6% and 38.9%, so the layer holds up on new organisations. The misses were mostly what should stay blank: bare amazon (27), Walmart, Target, Costco, groceries. The rest was a long tail: Postmark, ElevenLabs, Misumi, CannonKeys, merch printers, ezCater.
After four rules: 94 (56.0%). Written from the same list, so tuned, not held out. Memos have no category in this feed, so this is coverage; a reader's check of the hits found nothing plainly wrong. Labelled real books are still the missing piece.
Rerun: node ventures/ai-bookkeeper/eval/hcb-memos.mjs --orgpage 4 --from 0 --to 40.