Checkpoint
One last thing before we move on. Same surface as a write step — but the lesson doesn't complete until this passes.
Build the split report. Split the six rows by time at month 2, then print: the sizes of each side, the label's positive rate on each side (:.0%), and whether the rates match. (Matching base rates is what stratify=y buys you in a random split — a time split has to earn it, so you CHECK.)