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Build one hybrid per project and decide whether the added complexity is worth it. Concepts: Rules + model; model on residuals; segment-specific models Project A: Hard rules (e.g. auto-decline if checking overdrawn AND duration > 48) + model for the rest; or one model per EDA persona. Project B: Linear trend/temperature model + LightGBM on residuals → fixes the tree extrapolation problem in hot summers.