{
  "churn_probability": 0.122990,
  "scoring_model": "gradient_boosting",
  "top_reasons": [
    {
      "feature": "Contract",
      "contribution": -0.357808,
      "direction": "decreases_churn_risk"
    },
    {
      "feature": "StreamingMovies",
      "contribution": -0.235742,
      "direction": "decreases_churn_risk"
    },
    {
      "feature": "MonthlyCharges",
      "contribution": -0.169382,
      "direction": "decreases_churn_risk"
    }
  ],
  "next_best_action": {
    "action": "no_action",
    "offer": null,
    "rule_id": "no_action",
    "rationale": "Churn risk, CLV, and offer eligibility do not match a save call or an offer."
  },
  "addon_propensities": {
    "OnlineSecurity": {
      "eligible": true,
      "probability": 0.618604,
      "reason": null
    },
    "TechSupport": {
      "eligible": true,
      "probability": 0.478232,
      "reason": null
    }
  },
  "clv_proxy": {
    "monthly_charges": 80.200000,
    "expected_remaining_months": 18.845956,
    "value": 1511.445671,
    "horizon_months": 72.000000
  },
  "explanation_method": "Path contributions along the gradient-boosting trees. They sum with the model intercept to the churn log-odds for this customer. They are not SHAP values."
}