IA: Duplicate-POP refund — match bank lines before refund
TooCute claimed duplicate callout payment; attached two POP PDFs.
AM reply: both show same payment reference; only one credit on account — ask client to re-check.
Client later sent screenshots claiming two different references.
Rule: Never refund on client assertion alone. Match Nedbank/FNB/Capitec lines by amount+date+reference; if one ref credited once, explain single credit; if two distinct credits exist, refund the duplicate to the original payer account (same-account refund).
Do not publish client banking details to KB/export.
