# Example Pulse Output — 13:00 Pulse with Finance-Tagged Events

This document shows a complete example of what the participant sees at Step 5 of
the Pulse Workflow. All content is sanitized. No raw values appear.

---

## 🔬 Research Pulse — 13:00 Thursday, March 13 2026 (America/Los_Angeles)

> **Redaction Summary:** 9 redactions across 6 categories (2 flagged uncertain)
> **Risk Rating:** high
> **Events covered:** 7 events since 09:03 AM, March 13 2026 (Los Angeles)
> **Finance-tagged events:** 4 (pf_relevance_score ≥ 0.30)
> **Total redactions:** 9 (2 uncertain)

---

### Sanitized Observed Behavior Report

*Prepared by pf-ethnographer/sanitizer · Pulse 2026-03-13_13-00*

---

#### Redaction Manifest Summary

| Category | Placeholder | Count | Uncertain |
|---|---|---|---|
| seed_phrase_private_key | [SENSITIVE_SEGMENT_REMOVED] | 0 | 0 |
| api_key_token | [API_KEY_REDACTED] | 0 | 0 |
| crypto_wallet | [CRYPTO_WALLET_REDACTED] | 0 | 0 |
| card_number | [CARD_NUMBER_REDACTED] | 0 | 0 |
| iban | [IBAN_REDACTED] | 0 | 0 |
| swift | [SWIFT_REDACTED] | 0 | 0 |
| routing_number | [ROUTING_NUMBER_REDACTED] | 0 | 0 |
| account_number | [ACCOUNT_NUMBER_REDACTED] | 1 | 0 |
| transaction_id | [TRANSACTION_ID_REDACTED] | 0 | 0 |
| email | [EMAIL_REDACTED] | 2 | 0 |
| phone | [PHONE_REDACTED] | 0 | 0 |
| govt_id | [GOVT_ID_REDACTED] | 0 | 0 |
| ip_address | [IP_REDACTED] | 0 | 0 |
| device_id | [DEVICE_ID_REDACTED] | 0 | 0 |
| address | [ADDRESS_REDACTED] | 2 | 2 |
| person_name | [PERSON_NAME_REDACTED] | 1 | 1 |
| amount_balance | [AMOUNT_REDACTED] | 3 | 0 |
| custom | [CUSTOM_REDACTED] | 0 | 0 |

---

## Finance-Tagged Events (pf_relevance_score ≥ 0.30)

---

**obs-a4f1c2d9** · 10:14 AM · ActionEvent · pf_relevance_score: 0.75
Feature: `budgeting-tool` · Tags: `budgeting`, `banking` · Risk: med

The participant used the budgeting tool to categorize recent transactions.
They assigned categories (food, utilities, subscriptions) to a set of
transactions pulled from their bank account. An account identifier was
referenced during the categorization flow.

> Redacted: [ACCOUNT_NUMBER_REDACTED] (1 occurrence)

---

**obs-b8e3a5f0** · 10:41 AM · ConversationEvent · pf_relevance_score: 0.65
Feature: `chat` · Tags: `debt-credit`, `budgeting` · Risk: med

The participant asked a question about the relationship between credit
utilization and FICO score improvements. They mentioned wanting to pay
down a balance to reach a specific utilization percentage. A monetary
amount was referenced in this context.

> Redacted: [AMOUNT_REDACTED] (1 occurrence)

---

**obs-c1d7b4e2** · 11:08 AM · DecisionEvent · pf_relevance_score: 0.60
Feature: `document-editor` · Tags: `investing` · Risk: med

The participant created a document artifact titled "Retirement Planning Notes."
They asked OpenClaw to help structure a comparison of IRA vs. Roth IRA
contribution strategies. A third party was mentioned by name in the document.
An email address was included in the document header.

> Artifact: id=doc-0041, title="Retirement Planning Notes", type=document
> Redacted: [PERSON_NAME_REDACTED] (1 occurrence, uncertain), [EMAIL_REDACTED] (1 occurrence)

---

**obs-d9f2c8a1** · 12:33 PM · ConversationEvent · pf_relevance_score: 0.45
Feature: `chat` · Tags: `transfers`, `banking` · Risk: med

The participant asked about setting up an automatic transfer between two
accounts. They inquired about transfer timing and whether funds would be
available same-day. A monetary amount was mentioned as the transfer target.
A mailing address was referenced in the context of account setup verification.

> Redacted: [AMOUNT_REDACTED] (1 occurrence), [ADDRESS_REDACTED] (1 occurrence, uncertain)

---

## General Usage Events (pf_relevance_score < 0.30)

---

**obs-e5a3d6b7** · 09:07 AM · ActionEvent · pf_relevance_score: 0.00
Feature: `file-editor` · Tags: none · Risk: low

The participant opened a Python script and asked OpenClaw to refactor a
function for parsing CSV data. No financial context observed.

---

**obs-f0c9e1a4** · 09:52 AM · ArtifactEvent · pf_relevance_score: 0.00
Feature: `file-editor` · Tags: none · Risk: low

The participant saved a code artifact. File was a Python script (type=code).
An email address appeared in a code comment (likely a developer contact).

> Artifact: id=file-0088, title="data_parser.py", type=code
> Redacted: [EMAIL_REDACTED] (1 occurrence)

---

**obs-g2b1f5c3** · 12:51 PM · OutcomeEvent · pf_relevance_score: 0.10
Feature: `web-search` · Tags: none · Risk: low

The participant used the web search tool to look up general information
about spreadsheet software features. No PF-specific action. Scored 0.10
due to incidental mention of expense tracking.

---

*End of Sanitized Observed Behavior Report.*

---

### Sanitized Interpretation Report

*Prepared by pf-ethnographer/sanitizer · Pulse 2026-03-13_13-00*
*All claims are hypotheses. Evidence cites observation_ids from the Observed Behavior Report.*

---

## Behavioral Patterns

**Pattern 1: Interleaved task-switching between personal finance and technical work**
The participant appears to shift between financial planning tasks and software
development work within the same session, without a clear sequential structure.
This may suggest opportunistic usage — addressing financial questions as they
arise rather than in dedicated sessions.
Evidence: [obs-e5a3d6b7, obs-f0c9e1a4, obs-a4f1c2d9, obs-g2b1f5c3]

**Pattern 2: Preference for structured, document-based financial planning**
The participant's creation of a document artifact for retirement notes (as opposed
to relying solely on chat output) possibly indicates a preference for persistent,
reference-able financial plans rather than ephemeral advice.
Evidence: [obs-c1d7b4e2]

---

## Finance Workflow Signals

**Signal 1: Active budget management with transaction categorization**
The data suggests the participant is in an active budget management workflow —
categorizing recent transactions with the budgeting tool. This is consistent with
a participant who monitors spending regularly rather than reviewing infrequently.
Evidence: [obs-a4f1c2d9]

**Signal 2: Debt-reduction awareness alongside retirement planning**
The co-occurrence of a credit utilization question and a retirement planning
document in the same session possibly indicates the participant is balancing
short-term debt management with long-term investing goals — a common financial
planning tension.
Evidence: [obs-b8e3a5f0, obs-c1d7b4e2]

**Signal 3: Automation interest in transfers**
The inquiry about automatic transfers may suggest interest in building systematic
financial habits (e.g., automatic savings or bill pay), not just one-time actions.
Evidence: [obs-d9f2c8a1]

---

## Friction Points

**Friction 1: Account verification step during transfer setup**
The reference to a mailing address in the context of account setup verification
(obs-d9f2c8a1) possibly indicates a friction point — verification requirements
may be interrupting the participant's transfer intent. This is speculative and
would require additional observation to confirm.
Evidence: [obs-d9f2c8a1]

**Friction 2: Manual document structuring for financial comparison**
The participant asked OpenClaw to help structure a comparison (obs-c1d7b4e2)
rather than invoking a dedicated comparison tool, possibly suggesting that the
desired comparison workflow is not discoverable as a first-class feature.
Evidence: [obs-c1d7b4e2]

---

## Opportunities

**Opportunity 1: Unified debt + investing planning surface**
The co-occurrence of debt-credit and investing signals may point to an opportunity
for a combined "debt payoff vs. invest" analysis workflow or tool.
Evidence: [obs-b8e3a5f0, obs-c1d7b4e2]

**Opportunity 2: Automatic savings setup wizard**
The transfer automation inquiry suggests appetite for a guided automatic-savings
setup flow (amount, frequency, destination account) rather than requiring the
participant to compose the request manually.
Evidence: [obs-d9f2c8a1]

---

## Open Questions

- Is the interleaved task-switching typical of this participant's daily rhythm,
  or was today's session atypical? Requires more observations across days.
  Evidence: [obs-e5a3d6b7, obs-a4f1c2d9]

- Does the retirement planning document represent an ongoing project or a
  one-time exploration? An ArtifactEvent referencing the same document in a
  future pulse would be confirming evidence.
  Evidence: [obs-c1d7b4e2]

---

*End of Sanitized Interpretation Report.*

---

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---

## Redaction Manifest (machine-readable)

```json
{
  "pulse_id": "7f3a1c82-4e9b-4d10-b5cc-1a2b3c4d5e6f",
  "redaction_timestamp": "2026-03-13T21:02:47Z",
  "policy_applied": {
    "over_redact": true,
    "redact_amounts": true,
    "redact_crypto_wallets": true,
    "custom_terms": []
  },
  "categories": [
    { "category": "seed_phrase_private_key", "placeholder": "[SENSITIVE_SEGMENT_REMOVED — seed phrase or private key detected]", "count": 0, "uncertainty_flags": 0, "pattern_description": "BIP-39 mnemonic phrases (12/24 words) and private keys (hex/WIF/base58)" },
    { "category": "api_key_token", "placeholder": "[API_KEY_REDACTED]", "count": 0, "uncertainty_flags": 0, "pattern_description": "API keys, bearer tokens, JWTs, and session secrets" },
    { "category": "crypto_wallet", "placeholder": "[CRYPTO_WALLET_REDACTED]", "count": 0, "uncertainty_flags": 0, "pattern_description": "Bitcoin (P2PKH/P2SH/Bech32), Ethereum, and Solana addresses" },
    { "category": "card_number", "placeholder": "[CARD_NUMBER_REDACTED]", "count": 0, "uncertainty_flags": 0, "pattern_description": "Visa/MC/Amex/Discover card number patterns" },
    { "category": "iban", "placeholder": "[IBAN_REDACTED]", "count": 0, "uncertainty_flags": 0, "pattern_description": "IBAN format: 2-letter country code + 2 check digits + account identifier" },
    { "category": "swift", "placeholder": "[SWIFT_REDACTED]", "count": 0, "uncertainty_flags": 0, "pattern_description": "SWIFT/BIC codes in international transfer context" },
    { "category": "routing_number", "placeholder": "[ROUTING_NUMBER_REDACTED]", "count": 0, "uncertainty_flags": 0, "pattern_description": "9-digit US ABA routing numbers in routing/transit context" },
    { "category": "account_number", "placeholder": "[ACCOUNT_NUMBER_REDACTED]", "count": 1, "uncertainty_flags": 0, "pattern_description": "8–17 digit bank account numbers in account/DDA context" },
    { "category": "transaction_id", "placeholder": "[TRANSACTION_ID_REDACTED]", "count": 0, "uncertainty_flags": 0, "pattern_description": "Alphanumeric transaction/reference/confirmation IDs" },
    { "category": "email", "placeholder": "[EMAIL_REDACTED]", "count": 2, "uncertainty_flags": 0, "pattern_description": "RFC 5322 email address patterns" },
    { "category": "phone", "placeholder": "[PHONE_REDACTED]", "count": 0, "uncertainty_flags": 0, "pattern_description": "US and international phone number formats" },
    { "category": "govt_id", "placeholder": "[GOVT_ID_REDACTED]", "count": 0, "uncertainty_flags": 0, "pattern_description": "SSN, EIN, passport, and driver's license patterns" },
    { "category": "ip_address", "placeholder": "[IP_REDACTED]", "count": 0, "uncertainty_flags": 0, "pattern_description": "IPv4 and IPv6 address patterns" },
    { "category": "device_id", "placeholder": "[DEVICE_ID_REDACTED]", "count": 0, "uncertainty_flags": 0, "pattern_description": "MAC addresses and device UUIDs in device context" },
    { "category": "address", "placeholder": "[ADDRESS_REDACTED]", "count": 2, "uncertainty_flags": 2, "pattern_description": "Street address heuristic: number + street name + suffix + optional city/state/zip" },
    { "category": "person_name", "placeholder": "[PERSON_NAME_REDACTED]", "count": 1, "uncertainty_flags": 1, "pattern_description": "Honorific + name pairs and two-word proper name pairs (over_redact mode)" },
    { "category": "amount_balance", "placeholder": "[AMOUNT_REDACTED]", "count": 3, "uncertainty_flags": 0, "pattern_description": "Currency symbols+numbers, number+currency keywords, financial-context percentages" },
    { "category": "custom", "placeholder": "[CUSTOM_REDACTED]", "count": 0, "uncertainty_flags": 0, "pattern_description": "Participant-supplied custom terms" }
  ],
  "redaction_summary": "9 redactions across 6 categories (2 flagged uncertain)",
  "total_redactions": 9,
  "uncertain_redactions": 2,
  "risk_rating": "high",
  "pattern_errors": []
}
```
