diff --git a/common_scaffold/prompts/prompt_builder.py b/common_scaffold/prompts/prompt_builder.py
index fb83f9fa86..3eb9c57fbd 100644
--- a/common_scaffold/prompts/prompt_builder.py
+++ b/common_scaffold/prompts/prompt_builder.py
@@ -58,6 +58,7 @@
 - query_db:
 {"tool": "query_db", "args": {"db_name": "some_db_name", "query": "SELECT * FROM some_table LIMIT some_limit;"}} # for SQL databases
 {"tool": "query_db", "args": {"db_name": "some_db_name", "query": "{\"collection\": \"some_collection\", \"filter\": {some_filter}, \"projection\": {some_projection}, \"limit\": some_limit}"}} # for MongoDB databases
+{"tool": "query_db", "args": {"db_name": "some_db_name", "query": "{\"collection\": \"some_collection\", \"pipeline\": [some_aggregation_stages]}"}} # MongoDB aggregation
 
 - list_db:
 {"tool": "list_db", "args": {"db_name": "some_db_name"}}
diff --git a/common_scaffold/tools/QueryDBTool.py b/common_scaffold/tools/QueryDBTool.py
index b47e919441..1cd48368c7 100644
--- a/common_scaffold/tools/QueryDBTool.py
+++ b/common_scaffold/tools/QueryDBTool.py
@@ -46,7 +46,7 @@ def get_spec(self):
                         },
                         "query": {
                             "type": "string",
-                            "description": "The query to execute. For SQL databases, provide a SQL query string. For MongoDB, provide a JSON string representing the query, including `collection` field, and optional `filter`, `projection`, and `limit` fields."
+                            "description": "The query to execute. For SQL databases, provide a SQL query string. For MongoDB, provide a JSON string representing the query, including `collection` field, and optional `filter`, `projection`, and `limit` fields; or `collection` plus `pipeline` (a list of aggregation stages) to run an aggregation instead."
                         }
                     },
                     "required": ["db_name", "query"]
diff --git a/common_scaffold/tools/db_utils/mongo_utils.py b/common_scaffold/tools/db_utils/mongo_utils.py
index 4e7e0a6e48..2830ac03aa 100644
--- a/common_scaffold/tools/db_utils/mongo_utils.py
+++ b/common_scaffold/tools/db_utils/mongo_utils.py
@@ -1,4 +1,5 @@
 import json
+import os
 import pandas as pd
 from pymongo import MongoClient
 from common_scaffold.tools.db_utils import db_config
@@ -17,6 +18,8 @@
 # Reference: https://www.mongodb.com/docs/manual/administration/install-community/?linux-distribution=ubuntu&linux-package=default&operating-system=linux&search-linux=with-search-linux#start-mongodb-12
 
 def load_db(dump_folder: str, db_name: str):
+    if os.getenv("DAB_PERSISTENT_DBS") and check_db_exists(db_name):
+        return
     if check_db_exists(db_name) == True:
         logging.getLogger(__name__).warning(f"Database '{db_name}' already exists. Cleaning up before loading dump.")
         clean_up(db_name)
@@ -53,6 +56,8 @@ def check_db_exists(db_name):
             raise FatalError(f"MongoDB existence check error ({type(e).__name__}): {str(e)}")
 
 def clean_up(db_name):
+    if os.getenv("DAB_PERSISTENT_DBS"):
+        return
     logging.getLogger(__name__).debug(f"Cleaning up MongoDB database '{db_name}'")
     with MongoClient(db_config.MONGO_URI) as mongo_client:
         try:
@@ -77,17 +82,21 @@ def check_args(db_client: dict, query: str):
         collection = query_json["collection"]
         filter = query_json.get("filter", {})
         projection = query_json.get("projection", None)
-        limit = query_json.get("limit", 5)
+        limit = query_json.get("limit", None)  # no silent cap: matches SQL, which returns every row
+        pipeline = query_json.get("pipeline", None)
+        if pipeline is not None and not isinstance(pipeline, list):
+            raise ValueError("Invalid Mongo query: `pipeline` must be a list of aggregation stages")
         return {
             "db_name": db_client['db_name'],
             "collection": collection,
             "filter": filter,
             "projection": projection,
-            "limit": limit
+            "limit": limit,
+            "pipeline": pipeline,
         }
 
     @staticmethod
-    def exec(db_name, collection, filter, projection, limit):
+    def exec(db_name, collection, filter, projection, limit, pipeline=None):
         with MongoClient(db_config.MONGO_URI) as mongo_client:
             db = mongo_client[db_name]
 
@@ -95,10 +104,13 @@ def exec(db_name, collection, filter, projection, limit):
                 raise ValueError(f"Collection does not exist: {collection}")
         
             try:
-                cursor = db[collection].find(filter, projection)
-                if limit is not None:
-                    cursor = cursor.limit(limit)
-                result = list(cursor)
+                if pipeline is not None:
+                    result = list(db[collection].aggregate(pipeline))
+                else:
+                    cursor = db[collection].find(filter, projection)
+                    if limit is not None:
+                        cursor = cursor.limit(limit)
+                    result = list(cursor)
             except Exception as e:
                 raise ValueError(f"MongoDB query execution error ({type(e).__name__}): {str(e)}")
         
diff --git a/common_scaffold/tools/db_utils/postgres_utils.py b/common_scaffold/tools/db_utils/postgres_utils.py
index 8b49e6e07a..f4855682c5 100644
--- a/common_scaffold/tools/db_utils/postgres_utils.py
+++ b/common_scaffold/tools/db_utils/postgres_utils.py
@@ -22,6 +22,8 @@ def pg_ident(identifier: str) -> str:
 
 
 def load_db(sql_file: str, db_name: str):
+    if os.getenv("DAB_PERSISTENT_DBS") and check_db_exists(db_name):
+        return
     if check_db_exists(db_name):
         logging.getLogger(__name__).warning(f"Database '{db_name}' already exists. Cleaning up before loading dump.")
         clean_up(db_name)
@@ -91,6 +93,8 @@ def check_db_exists(db_name):
     
 
 def clean_up(db_name):
+    if os.getenv("DAB_PERSISTENT_DBS"):
+        return
     logging.getLogger(__name__).debug(f"Cleaning up PostgreSQL database '{db_name}'")
     try:
         conn = psycopg2.connect(
diff --git a/query_bank_fresh_direct/db_config.yaml b/query_bank_fresh_direct/db_config.yaml
new file mode 100644
index 0000000000..ac2b8bbbb5
--- /dev/null
+++ b/query_bank_fresh_direct/db_config.yaml
@@ -0,0 +1,21 @@
+db_clients:
+  core_banking:
+    db_type: postgres
+    db_name: bank_cbs
+    sql_file: query_dataset/cbs.sql
+  cards:
+    db_type: sqlite
+    db_path: query_dataset/cards.db
+  lending:
+    db_type: duckdb
+    db_path: query_dataset/lending.duckdb
+  payments:
+    db_type: sqlite
+    db_path: query_dataset/payments.db
+  crm:
+    db_type: mongo
+    db_name: bank_crm
+    dump_folder: query_dataset/bank_crm_dump
+  insurance:
+    db_type: duckdb
+    db_path: query_dataset/insurance.duckdb
diff --git a/query_bank_fresh_direct/db_description.txt b/query_bank_fresh_direct/db_description.txt
new file mode 100644
index 0000000000..c2d089c321
--- /dev/null
+++ b/query_bank_fresh_direct/db_description.txt
@@ -0,0 +1,55 @@
+You are working with six databases to solve this query. They are the operational systems of one retail bank in India. Amounts are in Indian rupees (INR). They are the bank's live systems: every transaction is visible in them as soon as it is posted.
+
+Here are the descriptions of these six databases:
+
+1. core_banking
+   - This database is stored in a PostgreSQL database and is the bank's core banking system: customers, their deposit accounts, account transactions, cheques, and fixed and recurring deposits.
+   - This database consists of six tables:
+     - customers: Bank customers
+       - Fields: customer_id, name, age, gender, senior_citizen, kyc_status, monthly_income, comm_line1, comm_line2, comm_city, comm_state, comm_pincode, perm_line1, perm_line2, perm_city, perm_state, perm_pincode (comm_ = communication address, perm_ = permanent address)
+     - accounts: Savings and current accounts
+       - Fields: account_id, customer_id, account_type, status, ifsc, home_branch, nominee_name, nominee_relationship, open_date, available_balance, hold_amount, currency
+     - account_holders: Holders of each account, in order (holder_seq 1 is the primary holder)
+       - Fields: account_id, holder_seq, holder_name
+     - transactions: Account transactions
+       - Fields: reference_id, account_id, txn_date, description, amount, direction, channel, balance_after
+     - cheques: Cheque leaves issued on accounts
+       - Fields: account_id, cheque_number, status
+     - deposits: Fixed deposits (kind FD) and recurring deposits (kind RD)
+       - Fields: deposit_id, payout_account, kind, principal, rate, tenure_months, start_date, maturity_date, maturity_amount, payout_type, maturity_instruction, status, nominee_name, nominee_relationship, monthly_installment, installments_paid, total_deposited, source_account
+
+2. cards
+   - This database is stored in a SQLite database and is the bank's card management system.
+   - This database consists of two tables:
+     - cards: Debit and credit cards
+       - Fields: card_id, account_no, card_type, network, status, credit_limit, available_limit
+     - card_controls: Per-card usage controls, one row per channel (atm, online, pos) and region (domestic, international)
+       - Fields: card_id, account_no, channel, region, enabled, daily_limit
+
+3. lending
+   - This database is stored in a DuckDB database and is the bank's loan management system.
+   - This database consists of one table:
+     - loans: Home, personal and gold loans
+       - Fields: loan_id, borrower_ref, loan_type, outstanding, rate, emi, remaining_tenure_months, next_due_date, status
+
+4. payments
+   - This database is stored in a SQLite database and is the bank's payments hub.
+   - This database consists of one table:
+     - mandates: Standing payment mandates (UPI autopay, NACH and similar) that debit an account
+       - Fields: mandate_id, debit_account, payee, amount, frequency, next_debit_date, status, mandate_type
+
+5. crm
+   - This database is stored in a MongoDB database and is the bank's customer relationship management system.
+   - This database consists of three collections:
+     - customers: Customer relationship data
+       - Fields: _id, segment, profession, sector, employer, marital_status, email, phone
+     - service_requests: Service requests raised by customers
+       - Fields: _id, request_id, category, description, related_transaction_id, account_id, status, priority, created_at, eta
+     - offers: Product offers shown to customers
+       - Fields: _id, customer, offer_id, type, title, detail, indicative
+
+6. insurance
+   - This database is stored in a DuckDB database and is the feed of insurance policies the bank distributes for its partner insurers.
+   - This database consists of one table:
+     - policies: Insurance policies held by bank customers
+       - Fields: policy_id, policyholder_ref, policy_name, insurer, sum_assured, premium, frequency, status, next_premium_date, nominee_name, nominee_relationship
diff --git a/query_bank_fresh_direct/db_description_withhint.txt b/query_bank_fresh_direct/db_description_withhint.txt
new file mode 100644
index 0000000000..e69de29bb2
diff --git a/query_bank_fresh_direct/query1/ground_truth.csv b/query_bank_fresh_direct/query1/ground_truth.csv
new file mode 100644
index 0000000000..78f789d4f3
--- /dev/null
+++ b/query_bank_fresh_direct/query1/ground_truth.csv
@@ -0,0 +1 @@
+1113900.00
diff --git a/query_bank_fresh_direct/query1/query.json b/query_bank_fresh_direct/query1/query.json
new file mode 100644
index 0000000000..0c771ff880
--- /dev/null
+++ b/query_bank_fresh_direct/query1/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 08:13 IST. What is the available balance of account SB4516247616 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query1/validate.py b/query_bank_fresh_direct/query1/validate.py
new file mode 100644
index 0000000000..1e656414c7
--- /dev/null
+++ b/query_bank_fresh_direct/query1/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 1 (control, 2026-07-01 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 1113900.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query10/ground_truth.csv b/query_bank_fresh_direct/query10/ground_truth.csv
new file mode 100644
index 0000000000..e542a287a4
--- /dev/null
+++ b/query_bank_fresh_direct/query10/ground_truth.csv
@@ -0,0 +1 @@
+3158000.00
diff --git a/query_bank_fresh_direct/query10/query.json b/query_bank_fresh_direct/query10/query.json
new file mode 100644
index 0000000000..e88c3216d0
--- /dev/null
+++ b/query_bank_fresh_direct/query10/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 08:13 IST. What is the total available balance across all of customer CUST_7D3D21E0's accounts right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query10/validate.py b/query_bank_fresh_direct/query10/validate.py
new file mode 100644
index 0000000000..a53ae44290
--- /dev/null
+++ b/query_bank_fresh_direct/query10/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 10 (control, 2026-07-03 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 3158000.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query11/ground_truth.csv b/query_bank_fresh_direct/query11/ground_truth.csv
new file mode 100644
index 0000000000..0e019dbbda
--- /dev/null
+++ b/query_bank_fresh_direct/query11/ground_truth.csv
@@ -0,0 +1 @@
+756300.00
diff --git a/query_bank_fresh_direct/query11/query.json b/query_bank_fresh_direct/query11/query.json
new file mode 100644
index 0000000000..c1daa0b860
--- /dev/null
+++ b/query_bank_fresh_direct/query11/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 11:02 IST. What is the available balance of account SB7976773201 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query11/validate.py b/query_bank_fresh_direct/query11/validate.py
new file mode 100644
index 0000000000..b0ee12a7c8
--- /dev/null
+++ b/query_bank_fresh_direct/query11/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 11 (changed, 2026-07-03 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 756300.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query12/ground_truth.csv b/query_bank_fresh_direct/query12/ground_truth.csv
new file mode 100644
index 0000000000..363381d36b
--- /dev/null
+++ b/query_bank_fresh_direct/query12/ground_truth.csv
@@ -0,0 +1 @@
+TXN6357291692
diff --git a/query_bank_fresh_direct/query12/query.json b/query_bank_fresh_direct/query12/query.json
new file mode 100644
index 0000000000..6a610faae9
--- /dev/null
+++ b/query_bank_fresh_direct/query12/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 13:52 IST. What is the reference id of the most recent transaction on account SB5485032001?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query12/validate.py b/query_bank_fresh_direct/query12/validate.py
new file mode 100644
index 0000000000..ea87804062
--- /dev/null
+++ b/query_bank_fresh_direct/query12/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 12 (changed, 2026-07-03 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['ids', ['TXN6357291692']]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query13/ground_truth.csv b/query_bank_fresh_direct/query13/ground_truth.csv
new file mode 100644
index 0000000000..0cb95399a0
--- /dev/null
+++ b/query_bank_fresh_direct/query13/ground_truth.csv
@@ -0,0 +1 @@
+136960.88
diff --git a/query_bank_fresh_direct/query13/query.json b/query_bank_fresh_direct/query13/query.json
new file mode 100644
index 0000000000..497b47a94d
--- /dev/null
+++ b/query_bank_fresh_direct/query13/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 16:41 IST. If customer CUST_6F969BE4 paid one EMI on each of their loans from savings account SB5758306466, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query13/validate.py b/query_bank_fresh_direct/query13/validate.py
new file mode 100644
index 0000000000..255dd98452
--- /dev/null
+++ b/query_bank_fresh_direct/query13/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 13 (changed, 2026-07-03 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 136960.88, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query14/ground_truth.csv b/query_bank_fresh_direct/query14/ground_truth.csv
new file mode 100644
index 0000000000..e709b73697
--- /dev/null
+++ b/query_bank_fresh_direct/query14/ground_truth.csv
@@ -0,0 +1 @@
+528339.00
diff --git a/query_bank_fresh_direct/query14/query.json b/query_bank_fresh_direct/query14/query.json
new file mode 100644
index 0000000000..5ef48d8f9c
--- /dev/null
+++ b/query_bank_fresh_direct/query14/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 19:30 IST. If customer CUST_8E3C686D paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB9191228734, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query14/validate.py b/query_bank_fresh_direct/query14/validate.py
new file mode 100644
index 0000000000..ac1f82464f
--- /dev/null
+++ b/query_bank_fresh_direct/query14/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 14 (changed, 2026-07-03 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 528339.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query15/ground_truth.csv b/query_bank_fresh_direct/query15/ground_truth.csv
new file mode 100644
index 0000000000..6a32be5b2f
--- /dev/null
+++ b/query_bank_fresh_direct/query15/ground_truth.csv
@@ -0,0 +1 @@
+80153.00
diff --git a/query_bank_fresh_direct/query15/query.json b/query_bank_fresh_direct/query15/query.json
new file mode 100644
index 0000000000..fe5103c463
--- /dev/null
+++ b/query_bank_fresh_direct/query15/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 08:13 IST. If customer CUST_32F18A29 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB7245427885, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query15/validate.py b/query_bank_fresh_direct/query15/validate.py
new file mode 100644
index 0000000000..c8966558b3
--- /dev/null
+++ b/query_bank_fresh_direct/query15/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 15 (control, 2026-07-04 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 80153.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query16/ground_truth.csv b/query_bank_fresh_direct/query16/ground_truth.csv
new file mode 100644
index 0000000000..cdb42e6e22
--- /dev/null
+++ b/query_bank_fresh_direct/query16/ground_truth.csv
@@ -0,0 +1 @@
+835150.00
diff --git a/query_bank_fresh_direct/query16/query.json b/query_bank_fresh_direct/query16/query.json
new file mode 100644
index 0000000000..475e67eea7
--- /dev/null
+++ b/query_bank_fresh_direct/query16/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 11:02 IST. What is the total available balance across all of customer CUST_1ED630F6's accounts right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query16/validate.py b/query_bank_fresh_direct/query16/validate.py
new file mode 100644
index 0000000000..68d153d07d
--- /dev/null
+++ b/query_bank_fresh_direct/query16/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 16 (changed, 2026-07-04 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 835150.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query17/ground_truth.csv b/query_bank_fresh_direct/query17/ground_truth.csv
new file mode 100644
index 0000000000..ef79ffa647
--- /dev/null
+++ b/query_bank_fresh_direct/query17/ground_truth.csv
@@ -0,0 +1 @@
+2500.00
diff --git a/query_bank_fresh_direct/query17/query.json b/query_bank_fresh_direct/query17/query.json
new file mode 100644
index 0000000000..4228c658f7
--- /dev/null
+++ b/query_bank_fresh_direct/query17/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 13:52 IST. What is the total amount debited today across all of customer CUST_56175C3A's accounts?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query17/validate.py b/query_bank_fresh_direct/query17/validate.py
new file mode 100644
index 0000000000..39c25399a7
--- /dev/null
+++ b/query_bank_fresh_direct/query17/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 17 (changed, 2026-07-04 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 2500.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query18/ground_truth.csv b/query_bank_fresh_direct/query18/ground_truth.csv
new file mode 100644
index 0000000000..05ea371411
--- /dev/null
+++ b/query_bank_fresh_direct/query18/ground_truth.csv
@@ -0,0 +1 @@
+310000.00
diff --git a/query_bank_fresh_direct/query18/query.json b/query_bank_fresh_direct/query18/query.json
new file mode 100644
index 0000000000..8b004f6b14
--- /dev/null
+++ b/query_bank_fresh_direct/query18/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 16:41 IST. What is the available balance of account SB2888459069 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query18/validate.py b/query_bank_fresh_direct/query18/validate.py
new file mode 100644
index 0000000000..cfe60ceb17
--- /dev/null
+++ b/query_bank_fresh_direct/query18/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 18 (changed, 2026-07-04 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 310000.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query19/ground_truth.csv b/query_bank_fresh_direct/query19/ground_truth.csv
new file mode 100644
index 0000000000..365169858d
--- /dev/null
+++ b/query_bank_fresh_direct/query19/ground_truth.csv
@@ -0,0 +1 @@
+485201126.00
diff --git a/query_bank_fresh_direct/query19/query.json b/query_bank_fresh_direct/query19/query.json
new file mode 100644
index 0000000000..9ec362ef77
--- /dev/null
+++ b/query_bank_fresh_direct/query19/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 19:30 IST. What is the total available balance right now across all accounts of customers in the HNI segment?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query19/validate.py b/query_bank_fresh_direct/query19/validate.py
new file mode 100644
index 0000000000..37d1bdc228
--- /dev/null
+++ b/query_bank_fresh_direct/query19/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 19 (portfolio, 2026-07-04 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 485201126.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query2/ground_truth.csv b/query_bank_fresh_direct/query2/ground_truth.csv
new file mode 100644
index 0000000000..995d3c3e9f
--- /dev/null
+++ b/query_bank_fresh_direct/query2/ground_truth.csv
@@ -0,0 +1 @@
+161700.00
diff --git a/query_bank_fresh_direct/query2/query.json b/query_bank_fresh_direct/query2/query.json
new file mode 100644
index 0000000000..3df83dad5e
--- /dev/null
+++ b/query_bank_fresh_direct/query2/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 13:52 IST. What is the available balance of account SB5033530740 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query2/validate.py b/query_bank_fresh_direct/query2/validate.py
new file mode 100644
index 0000000000..6f62130655
--- /dev/null
+++ b/query_bank_fresh_direct/query2/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 2 (changed, 2026-07-01 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 161700.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query20/ground_truth.csv b/query_bank_fresh_direct/query20/ground_truth.csv
new file mode 100644
index 0000000000..b1e1ce97bc
--- /dev/null
+++ b/query_bank_fresh_direct/query20/ground_truth.csv
@@ -0,0 +1 @@
+2320000.00
diff --git a/query_bank_fresh_direct/query20/query.json b/query_bank_fresh_direct/query20/query.json
new file mode 100644
index 0000000000..8add06cd1b
--- /dev/null
+++ b/query_bank_fresh_direct/query20/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 08:13 IST. What is the available balance of account SB4296331449 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query20/validate.py b/query_bank_fresh_direct/query20/validate.py
new file mode 100644
index 0000000000..7b9dda5dab
--- /dev/null
+++ b/query_bank_fresh_direct/query20/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 20 (control, 2026-07-05 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 2320000.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query21/ground_truth.csv b/query_bank_fresh_direct/query21/ground_truth.csv
new file mode 100644
index 0000000000..3c149b5448
--- /dev/null
+++ b/query_bank_fresh_direct/query21/ground_truth.csv
@@ -0,0 +1 @@
+TXN9109712686
diff --git a/query_bank_fresh_direct/query21/query.json b/query_bank_fresh_direct/query21/query.json
new file mode 100644
index 0000000000..15fad14309
--- /dev/null
+++ b/query_bank_fresh_direct/query21/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 11:02 IST. What is the reference id of the most recent transaction on account SB4264623376?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query21/validate.py b/query_bank_fresh_direct/query21/validate.py
new file mode 100644
index 0000000000..837cf914ce
--- /dev/null
+++ b/query_bank_fresh_direct/query21/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 21 (changed, 2026-07-05 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['ids', ['TXN9109712686']]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query22/ground_truth.csv b/query_bank_fresh_direct/query22/ground_truth.csv
new file mode 100644
index 0000000000..a821e5171b
--- /dev/null
+++ b/query_bank_fresh_direct/query22/ground_truth.csv
@@ -0,0 +1 @@
+140454.43
diff --git a/query_bank_fresh_direct/query22/query.json b/query_bank_fresh_direct/query22/query.json
new file mode 100644
index 0000000000..52e0e60a8b
--- /dev/null
+++ b/query_bank_fresh_direct/query22/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 13:52 IST. If customer CUST_5EADA1BF paid one EMI on each of their loans from savings account SB8898036836, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query22/validate.py b/query_bank_fresh_direct/query22/validate.py
new file mode 100644
index 0000000000..3dd71b1ac6
--- /dev/null
+++ b/query_bank_fresh_direct/query22/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 22 (changed, 2026-07-05 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 140454.43, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query23/ground_truth.csv b/query_bank_fresh_direct/query23/ground_truth.csv
new file mode 100644
index 0000000000..40490233b3
--- /dev/null
+++ b/query_bank_fresh_direct/query23/ground_truth.csv
@@ -0,0 +1 @@
+430557.41
diff --git a/query_bank_fresh_direct/query23/query.json b/query_bank_fresh_direct/query23/query.json
new file mode 100644
index 0000000000..8869a548f1
--- /dev/null
+++ b/query_bank_fresh_direct/query23/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 16:41 IST. If customer CUST_4EE77D9E paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB4424348037, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query23/validate.py b/query_bank_fresh_direct/query23/validate.py
new file mode 100644
index 0000000000..7dad841a5b
--- /dev/null
+++ b/query_bank_fresh_direct/query23/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 23 (changed, 2026-07-05 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 430557.41, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query24/ground_truth.csv b/query_bank_fresh_direct/query24/ground_truth.csv
new file mode 100644
index 0000000000..e89be4812f
--- /dev/null
+++ b/query_bank_fresh_direct/query24/ground_truth.csv
@@ -0,0 +1 @@
+1932499.00
diff --git a/query_bank_fresh_direct/query24/query.json b/query_bank_fresh_direct/query24/query.json
new file mode 100644
index 0000000000..0c32b7f2e2
--- /dev/null
+++ b/query_bank_fresh_direct/query24/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 19:30 IST. What is the total available balance across all of customer CUST_78CA155D's accounts right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query24/validate.py b/query_bank_fresh_direct/query24/validate.py
new file mode 100644
index 0000000000..9c60fbeaec
--- /dev/null
+++ b/query_bank_fresh_direct/query24/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 24 (control, 2026-07-05 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 1932499.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query25/ground_truth.csv b/query_bank_fresh_direct/query25/ground_truth.csv
new file mode 100644
index 0000000000..caf1c06105
--- /dev/null
+++ b/query_bank_fresh_direct/query25/ground_truth.csv
@@ -0,0 +1 @@
+47350.00
diff --git a/query_bank_fresh_direct/query25/query.json b/query_bank_fresh_direct/query25/query.json
new file mode 100644
index 0000000000..b75f77e233
--- /dev/null
+++ b/query_bank_fresh_direct/query25/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 08:13 IST. What is customer CUST_4E25D87F's total spending power right now: the available balance across all of their accounts plus the available limit on their active credit cards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query25/validate.py b/query_bank_fresh_direct/query25/validate.py
new file mode 100644
index 0000000000..c88668c03a
--- /dev/null
+++ b/query_bank_fresh_direct/query25/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 25 (control, 2026-07-01 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 47350.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query26/ground_truth.csv b/query_bank_fresh_direct/query26/ground_truth.csv
new file mode 100644
index 0000000000..10f27ef025
--- /dev/null
+++ b/query_bank_fresh_direct/query26/ground_truth.csv
@@ -0,0 +1 @@
+139900.00
diff --git a/query_bank_fresh_direct/query26/query.json b/query_bank_fresh_direct/query26/query.json
new file mode 100644
index 0000000000..ca84340289
--- /dev/null
+++ b/query_bank_fresh_direct/query26/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 13:52 IST. If each active payment mandate on customer CUST_DCCD6EFD's savings account SB5785868040 debited once, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query26/validate.py b/query_bank_fresh_direct/query26/validate.py
new file mode 100644
index 0000000000..d674b5a6bf
--- /dev/null
+++ b/query_bank_fresh_direct/query26/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 26 (changed, 2026-07-01 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 139900.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query27/ground_truth.csv b/query_bank_fresh_direct/query27/ground_truth.csv
new file mode 100644
index 0000000000..587225227f
--- /dev/null
+++ b/query_bank_fresh_direct/query27/ground_truth.csv
@@ -0,0 +1 @@
+280000.00
diff --git a/query_bank_fresh_direct/query27/query.json b/query_bank_fresh_direct/query27/query.json
new file mode 100644
index 0000000000..4053f16eed
--- /dev/null
+++ b/query_bank_fresh_direct/query27/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 16:41 IST. What is customer CUST_9748C87C's total spending power right now: the available balance across all of their accounts plus the available limit on their active credit cards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query27/validate.py b/query_bank_fresh_direct/query27/validate.py
new file mode 100644
index 0000000000..2834aa8edd
--- /dev/null
+++ b/query_bank_fresh_direct/query27/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 27 (changed, 2026-07-01 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 280000.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query28/ground_truth.csv b/query_bank_fresh_direct/query28/ground_truth.csv
new file mode 100644
index 0000000000..fd630f9569
--- /dev/null
+++ b/query_bank_fresh_direct/query28/ground_truth.csv
@@ -0,0 +1 @@
+308952798.00
diff --git a/query_bank_fresh_direct/query28/query.json b/query_bank_fresh_direct/query28/query.json
new file mode 100644
index 0000000000..6d56b71233
--- /dev/null
+++ b/query_bank_fresh_direct/query28/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 19:30 IST. What is the total available balance right now across all accounts of customers in the AFFLUENT segment?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query28/validate.py b/query_bank_fresh_direct/query28/validate.py
new file mode 100644
index 0000000000..c272224254
--- /dev/null
+++ b/query_bank_fresh_direct/query28/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 28 (portfolio, 2026-07-01 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 308952798.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query29/ground_truth.csv b/query_bank_fresh_direct/query29/ground_truth.csv
new file mode 100644
index 0000000000..0e7ed6b5a0
--- /dev/null
+++ b/query_bank_fresh_direct/query29/ground_truth.csv
@@ -0,0 +1 @@
+67466.67
diff --git a/query_bank_fresh_direct/query29/query.json b/query_bank_fresh_direct/query29/query.json
new file mode 100644
index 0000000000..b31e828b60
--- /dev/null
+++ b/query_bank_fresh_direct/query29/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 08:13 IST. What is customer CUST_1F860D07's net position right now: the total available balance across all of their accounts minus the total outstanding on their loans?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query29/validate.py b/query_bank_fresh_direct/query29/validate.py
new file mode 100644
index 0000000000..4994252bc2
--- /dev/null
+++ b/query_bank_fresh_direct/query29/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 29 (control, 2026-07-02 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 67466.67, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query3/ground_truth.csv b/query_bank_fresh_direct/query3/ground_truth.csv
new file mode 100644
index 0000000000..cd1f24fdf7
--- /dev/null
+++ b/query_bank_fresh_direct/query3/ground_truth.csv
@@ -0,0 +1 @@
+TXN2430659475
diff --git a/query_bank_fresh_direct/query3/query.json b/query_bank_fresh_direct/query3/query.json
new file mode 100644
index 0000000000..1f1dd3d33e
--- /dev/null
+++ b/query_bank_fresh_direct/query3/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 16:41 IST. What is the reference id of the most recent transaction on account SB7252994408?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query3/validate.py b/query_bank_fresh_direct/query3/validate.py
new file mode 100644
index 0000000000..0b15175f9a
--- /dev/null
+++ b/query_bank_fresh_direct/query3/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 3 (changed, 2026-07-01 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['ids', ['TXN2430659475']]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query30/ground_truth.csv b/query_bank_fresh_direct/query30/ground_truth.csv
new file mode 100644
index 0000000000..08bdd6ed2d
--- /dev/null
+++ b/query_bank_fresh_direct/query30/ground_truth.csv
@@ -0,0 +1 @@
+34083.33
diff --git a/query_bank_fresh_direct/query30/query.json b/query_bank_fresh_direct/query30/query.json
new file mode 100644
index 0000000000..82ff801596
--- /dev/null
+++ b/query_bank_fresh_direct/query30/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 11:02 IST. What is customer CUST_EA27E8B4's net position right now: the total available balance across all of their accounts minus the total outstanding on their loans?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query30/validate.py b/query_bank_fresh_direct/query30/validate.py
new file mode 100644
index 0000000000..cd09472a72
--- /dev/null
+++ b/query_bank_fresh_direct/query30/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 30 (changed, 2026-07-02 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 34083.33, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query31/ground_truth.csv b/query_bank_fresh_direct/query31/ground_truth.csv
new file mode 100644
index 0000000000..60ec8d8548
--- /dev/null
+++ b/query_bank_fresh_direct/query31/ground_truth.csv
@@ -0,0 +1 @@
+403639.00
diff --git a/query_bank_fresh_direct/query31/query.json b/query_bank_fresh_direct/query31/query.json
new file mode 100644
index 0000000000..3077960bde
--- /dev/null
+++ b/query_bank_fresh_direct/query31/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 13:52 IST. If customer CUST_2A1921A5 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB8372064494, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query31/validate.py b/query_bank_fresh_direct/query31/validate.py
new file mode 100644
index 0000000000..dcd6cd6a0a
--- /dev/null
+++ b/query_bank_fresh_direct/query31/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 31 (changed, 2026-07-02 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 403639.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query32/ground_truth.csv b/query_bank_fresh_direct/query32/ground_truth.csv
new file mode 100644
index 0000000000..32f2689200
--- /dev/null
+++ b/query_bank_fresh_direct/query32/ground_truth.csv
@@ -0,0 +1 @@
+120873.66
diff --git a/query_bank_fresh_direct/query32/query.json b/query_bank_fresh_direct/query32/query.json
new file mode 100644
index 0000000000..752e4c9a8e
--- /dev/null
+++ b/query_bank_fresh_direct/query32/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 16:41 IST. If customer CUST_9DDDDED0 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB3099693324, and each active payment mandate on that account also debited once, what would its available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query32/validate.py b/query_bank_fresh_direct/query32/validate.py
new file mode 100644
index 0000000000..dd129a3185
--- /dev/null
+++ b/query_bank_fresh_direct/query32/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 32 (changed, 2026-07-02 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 120873.66, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query33/ground_truth.csv b/query_bank_fresh_direct/query33/ground_truth.csv
new file mode 100644
index 0000000000..48a6b1a25d
--- /dev/null
+++ b/query_bank_fresh_direct/query33/ground_truth.csv
@@ -0,0 +1 @@
+202968279.00
diff --git a/query_bank_fresh_direct/query33/query.json b/query_bank_fresh_direct/query33/query.json
new file mode 100644
index 0000000000..82adc5ff55
--- /dev/null
+++ b/query_bank_fresh_direct/query33/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 19:30 IST. What is the total available balance right now across all accounts of customers who have a home loan?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query33/validate.py b/query_bank_fresh_direct/query33/validate.py
new file mode 100644
index 0000000000..869ef0296a
--- /dev/null
+++ b/query_bank_fresh_direct/query33/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 33 (portfolio, 2026-07-02 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 202968279.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query34/ground_truth.csv b/query_bank_fresh_direct/query34/ground_truth.csv
new file mode 100644
index 0000000000..722a406418
--- /dev/null
+++ b/query_bank_fresh_direct/query34/ground_truth.csv
@@ -0,0 +1 @@
+183551.00
diff --git a/query_bank_fresh_direct/query34/query.json b/query_bank_fresh_direct/query34/query.json
new file mode 100644
index 0000000000..8c08ff10d2
--- /dev/null
+++ b/query_bank_fresh_direct/query34/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 08:13 IST. If each active payment mandate on customer CUST_28F3840A's savings account SB7794504323 debited once, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query34/validate.py b/query_bank_fresh_direct/query34/validate.py
new file mode 100644
index 0000000000..7effed94eb
--- /dev/null
+++ b/query_bank_fresh_direct/query34/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 34 (control, 2026-07-03 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 183551.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query35/ground_truth.csv b/query_bank_fresh_direct/query35/ground_truth.csv
new file mode 100644
index 0000000000..694cb7a792
--- /dev/null
+++ b/query_bank_fresh_direct/query35/ground_truth.csv
@@ -0,0 +1 @@
+143500.00
diff --git a/query_bank_fresh_direct/query35/query.json b/query_bank_fresh_direct/query35/query.json
new file mode 100644
index 0000000000..f6500ed85f
--- /dev/null
+++ b/query_bank_fresh_direct/query35/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 11:02 IST. If each active payment mandate on customer CUST_61FB84EA's savings account SB1858255549 debited once, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query35/validate.py b/query_bank_fresh_direct/query35/validate.py
new file mode 100644
index 0000000000..c3cd34ac4d
--- /dev/null
+++ b/query_bank_fresh_direct/query35/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 35 (changed, 2026-07-03 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 143500.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query36/ground_truth.csv b/query_bank_fresh_direct/query36/ground_truth.csv
new file mode 100644
index 0000000000..2970187dbd
--- /dev/null
+++ b/query_bank_fresh_direct/query36/ground_truth.csv
@@ -0,0 +1 @@
+881699.00
diff --git a/query_bank_fresh_direct/query36/query.json b/query_bank_fresh_direct/query36/query.json
new file mode 100644
index 0000000000..970f06809b
--- /dev/null
+++ b/query_bank_fresh_direct/query36/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 13:52 IST. What is customer CUST_391D8014's total spending power right now: the available balance across all of their accounts plus the available limit on their active credit cards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query36/validate.py b/query_bank_fresh_direct/query36/validate.py
new file mode 100644
index 0000000000..db061d45c0
--- /dev/null
+++ b/query_bank_fresh_direct/query36/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 36 (changed, 2026-07-03 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 881699.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query37/ground_truth.csv b/query_bank_fresh_direct/query37/ground_truth.csv
new file mode 100644
index 0000000000..5b2284991c
--- /dev/null
+++ b/query_bank_fresh_direct/query37/ground_truth.csv
@@ -0,0 +1 @@
+445366.67
diff --git a/query_bank_fresh_direct/query37/query.json b/query_bank_fresh_direct/query37/query.json
new file mode 100644
index 0000000000..698473bcd2
--- /dev/null
+++ b/query_bank_fresh_direct/query37/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 16:41 IST. What is customer CUST_9DC0DFB2's net position right now: the total available balance across all of their accounts minus the total outstanding on their loans?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query37/validate.py b/query_bank_fresh_direct/query37/validate.py
new file mode 100644
index 0000000000..cb073f81b1
--- /dev/null
+++ b/query_bank_fresh_direct/query37/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 37 (changed, 2026-07-03 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 445366.67, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query38/ground_truth.csv b/query_bank_fresh_direct/query38/ground_truth.csv
new file mode 100644
index 0000000000..0801b690e9
--- /dev/null
+++ b/query_bank_fresh_direct/query38/ground_truth.csv
@@ -0,0 +1 @@
+519083893.00
diff --git a/query_bank_fresh_direct/query38/query.json b/query_bank_fresh_direct/query38/query.json
new file mode 100644
index 0000000000..14cceff7ec
--- /dev/null
+++ b/query_bank_fresh_direct/query38/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 19:30 IST. What is the total available balance right now across all accounts that have at least one active payment mandate?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query38/validate.py b/query_bank_fresh_direct/query38/validate.py
new file mode 100644
index 0000000000..ae564e592e
--- /dev/null
+++ b/query_bank_fresh_direct/query38/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 38 (portfolio, 2026-07-03 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 519083893.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query39/ground_truth.csv b/query_bank_fresh_direct/query39/ground_truth.csv
new file mode 100644
index 0000000000..7eba0cf950
--- /dev/null
+++ b/query_bank_fresh_direct/query39/ground_truth.csv
@@ -0,0 +1 @@
+70445.32
diff --git a/query_bank_fresh_direct/query39/query.json b/query_bank_fresh_direct/query39/query.json
new file mode 100644
index 0000000000..f09c6b5494
--- /dev/null
+++ b/query_bank_fresh_direct/query39/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 08:13 IST. If customer CUST_6879A3F6 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB1593303391, and each active payment mandate on that account also debited once, what would its available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query39/validate.py b/query_bank_fresh_direct/query39/validate.py
new file mode 100644
index 0000000000..cf669a29f8
--- /dev/null
+++ b/query_bank_fresh_direct/query39/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 39 (control, 2026-07-04 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 70445.32, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query4/ground_truth.csv b/query_bank_fresh_direct/query4/ground_truth.csv
new file mode 100644
index 0000000000..5a7784c5cc
--- /dev/null
+++ b/query_bank_fresh_direct/query4/ground_truth.csv
@@ -0,0 +1 @@
+3604915.29
diff --git a/query_bank_fresh_direct/query4/query.json b/query_bank_fresh_direct/query4/query.json
new file mode 100644
index 0000000000..fe348d5bbb
--- /dev/null
+++ b/query_bank_fresh_direct/query4/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 19:30 IST. If customer CUST_E851F10B paid one EMI on each of their loans from savings account SB9164216373, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query4/validate.py b/query_bank_fresh_direct/query4/validate.py
new file mode 100644
index 0000000000..8c237d40d1
--- /dev/null
+++ b/query_bank_fresh_direct/query4/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 4 (changed, 2026-07-01 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 3604915.29, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query40/ground_truth.csv b/query_bank_fresh_direct/query40/ground_truth.csv
new file mode 100644
index 0000000000..1f24b478b9
--- /dev/null
+++ b/query_bank_fresh_direct/query40/ground_truth.csv
@@ -0,0 +1 @@
+48545.32
diff --git a/query_bank_fresh_direct/query40/query.json b/query_bank_fresh_direct/query40/query.json
new file mode 100644
index 0000000000..707c47b4a1
--- /dev/null
+++ b/query_bank_fresh_direct/query40/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 11:02 IST. If customer CUST_FC8C7D56 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB6498266930, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query40/validate.py b/query_bank_fresh_direct/query40/validate.py
new file mode 100644
index 0000000000..f388740fcd
--- /dev/null
+++ b/query_bank_fresh_direct/query40/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 40 (changed, 2026-07-04 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 48545.32, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query41/ground_truth.csv b/query_bank_fresh_direct/query41/ground_truth.csv
new file mode 100644
index 0000000000..49697cc67d
--- /dev/null
+++ b/query_bank_fresh_direct/query41/ground_truth.csv
@@ -0,0 +1 @@
+88948.00
diff --git a/query_bank_fresh_direct/query41/query.json b/query_bank_fresh_direct/query41/query.json
new file mode 100644
index 0000000000..8865e505b7
--- /dev/null
+++ b/query_bank_fresh_direct/query41/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 13:52 IST. If customer CUST_4144C785 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB3287701469, and each active payment mandate on that account also debited once, what would its available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query41/validate.py b/query_bank_fresh_direct/query41/validate.py
new file mode 100644
index 0000000000..878078d110
--- /dev/null
+++ b/query_bank_fresh_direct/query41/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 41 (changed, 2026-07-04 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 88948.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query42/ground_truth.csv b/query_bank_fresh_direct/query42/ground_truth.csv
new file mode 100644
index 0000000000..77b4cef3de
--- /dev/null
+++ b/query_bank_fresh_direct/query42/ground_truth.csv
@@ -0,0 +1 @@
+142201.00
diff --git a/query_bank_fresh_direct/query42/query.json b/query_bank_fresh_direct/query42/query.json
new file mode 100644
index 0000000000..2a0acb6e36
--- /dev/null
+++ b/query_bank_fresh_direct/query42/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 16:41 IST. If each active payment mandate on customer CUST_04F2A910's savings account SB8054014323 debited once, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query42/validate.py b/query_bank_fresh_direct/query42/validate.py
new file mode 100644
index 0000000000..c3097fff4f
--- /dev/null
+++ b/query_bank_fresh_direct/query42/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 42 (changed, 2026-07-04 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 142201.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query43/ground_truth.csv b/query_bank_fresh_direct/query43/ground_truth.csv
new file mode 100644
index 0000000000..8258f79321
--- /dev/null
+++ b/query_bank_fresh_direct/query43/ground_truth.csv
@@ -0,0 +1 @@
+306901271.00
diff --git a/query_bank_fresh_direct/query43/query.json b/query_bank_fresh_direct/query43/query.json
new file mode 100644
index 0000000000..50a8344aad
--- /dev/null
+++ b/query_bank_fresh_direct/query43/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 19:30 IST. What is the total available balance right now across all accounts of customers who hold an active credit card?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query43/validate.py b/query_bank_fresh_direct/query43/validate.py
new file mode 100644
index 0000000000..545586a4fb
--- /dev/null
+++ b/query_bank_fresh_direct/query43/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 43 (portfolio, 2026-07-04 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 306901271.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query44/ground_truth.csv b/query_bank_fresh_direct/query44/ground_truth.csv
new file mode 100644
index 0000000000..95582d5111
--- /dev/null
+++ b/query_bank_fresh_direct/query44/ground_truth.csv
@@ -0,0 +1 @@
+28355.00
diff --git a/query_bank_fresh_direct/query44/query.json b/query_bank_fresh_direct/query44/query.json
new file mode 100644
index 0000000000..763840b779
--- /dev/null
+++ b/query_bank_fresh_direct/query44/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 08:13 IST. If customer CUST_B3B7F46B paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB2953313427, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query44/validate.py b/query_bank_fresh_direct/query44/validate.py
new file mode 100644
index 0000000000..ef717c02f0
--- /dev/null
+++ b/query_bank_fresh_direct/query44/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 44 (control, 2026-07-05 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 28355.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query45/ground_truth.csv b/query_bank_fresh_direct/query45/ground_truth.csv
new file mode 100644
index 0000000000..4ce6527881
--- /dev/null
+++ b/query_bank_fresh_direct/query45/ground_truth.csv
@@ -0,0 +1 @@
+557700.00
diff --git a/query_bank_fresh_direct/query45/query.json b/query_bank_fresh_direct/query45/query.json
new file mode 100644
index 0000000000..3852f6d7dd
--- /dev/null
+++ b/query_bank_fresh_direct/query45/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 11:02 IST. What is customer CUST_7EED3375's total spending power right now: the available balance across all of their accounts plus the available limit on their active credit cards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query45/validate.py b/query_bank_fresh_direct/query45/validate.py
new file mode 100644
index 0000000000..76f42e0852
--- /dev/null
+++ b/query_bank_fresh_direct/query45/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 45 (changed, 2026-07-05 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 557700.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query46/ground_truth.csv b/query_bank_fresh_direct/query46/ground_truth.csv
new file mode 100644
index 0000000000..dd964e4275
--- /dev/null
+++ b/query_bank_fresh_direct/query46/ground_truth.csv
@@ -0,0 +1 @@
+1886966.67
diff --git a/query_bank_fresh_direct/query46/query.json b/query_bank_fresh_direct/query46/query.json
new file mode 100644
index 0000000000..b518015bca
--- /dev/null
+++ b/query_bank_fresh_direct/query46/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 13:52 IST. What is customer CUST_67CFC696's net position right now: the total available balance across all of their accounts minus the total outstanding on their loans?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query46/validate.py b/query_bank_fresh_direct/query46/validate.py
new file mode 100644
index 0000000000..2d39fd6d88
--- /dev/null
+++ b/query_bank_fresh_direct/query46/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 46 (changed, 2026-07-05 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 1886966.67, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query47/ground_truth.csv b/query_bank_fresh_direct/query47/ground_truth.csv
new file mode 100644
index 0000000000..843dc525aa
--- /dev/null
+++ b/query_bank_fresh_direct/query47/ground_truth.csv
@@ -0,0 +1 @@
+494839.00
diff --git a/query_bank_fresh_direct/query47/query.json b/query_bank_fresh_direct/query47/query.json
new file mode 100644
index 0000000000..873f9280e2
--- /dev/null
+++ b/query_bank_fresh_direct/query47/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 16:41 IST. If customer CUST_8E3C686D paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB9191228734, and each active payment mandate on that account also debited once, what would its available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query47/validate.py b/query_bank_fresh_direct/query47/validate.py
new file mode 100644
index 0000000000..6fb5093936
--- /dev/null
+++ b/query_bank_fresh_direct/query47/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 47 (changed, 2026-07-05 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 494839.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query48/ground_truth.csv b/query_bank_fresh_direct/query48/ground_truth.csv
new file mode 100644
index 0000000000..46ba39807b
--- /dev/null
+++ b/query_bank_fresh_direct/query48/ground_truth.csv
@@ -0,0 +1 @@
+298000.00
diff --git a/query_bank_fresh_direct/query48/query.json b/query_bank_fresh_direct/query48/query.json
new file mode 100644
index 0000000000..50d6085d20
--- /dev/null
+++ b/query_bank_fresh_direct/query48/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 19:30 IST. What is customer CUST_58826F08's total spending power right now: the available balance across all of their accounts plus the available limit on their active credit cards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query48/validate.py b/query_bank_fresh_direct/query48/validate.py
new file mode 100644
index 0000000000..0e3e8fd887
--- /dev/null
+++ b/query_bank_fresh_direct/query48/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 48 (control, 2026-07-05 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 298000.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query5/ground_truth.csv b/query_bank_fresh_direct/query5/ground_truth.csv
new file mode 100644
index 0000000000..3ae3a65e32
--- /dev/null
+++ b/query_bank_fresh_direct/query5/ground_truth.csv
@@ -0,0 +1 @@
+147663.00
diff --git a/query_bank_fresh_direct/query5/query.json b/query_bank_fresh_direct/query5/query.json
new file mode 100644
index 0000000000..8181ce02a2
--- /dev/null
+++ b/query_bank_fresh_direct/query5/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 08:13 IST. If customer CUST_3F30CB5B paid one EMI on each of their loans from savings account SB2428838822, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query5/validate.py b/query_bank_fresh_direct/query5/validate.py
new file mode 100644
index 0000000000..d14269fadc
--- /dev/null
+++ b/query_bank_fresh_direct/query5/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 5 (control, 2026-07-02 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 147663.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query6/ground_truth.csv b/query_bank_fresh_direct/query6/ground_truth.csv
new file mode 100644
index 0000000000..54dfcc8525
--- /dev/null
+++ b/query_bank_fresh_direct/query6/ground_truth.csv
@@ -0,0 +1 @@
+4417000.61
diff --git a/query_bank_fresh_direct/query6/query.json b/query_bank_fresh_direct/query6/query.json
new file mode 100644
index 0000000000..ce54b0f459
--- /dev/null
+++ b/query_bank_fresh_direct/query6/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 11:02 IST. If customer CUST_BCB9DBC8 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB6893443926, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query6/validate.py b/query_bank_fresh_direct/query6/validate.py
new file mode 100644
index 0000000000..ea1b543c16
--- /dev/null
+++ b/query_bank_fresh_direct/query6/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 6 (changed, 2026-07-02 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 4417000.61, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query7/ground_truth.csv b/query_bank_fresh_direct/query7/ground_truth.csv
new file mode 100644
index 0000000000..d106f6bd56
--- /dev/null
+++ b/query_bank_fresh_direct/query7/ground_truth.csv
@@ -0,0 +1 @@
+2067450.00
diff --git a/query_bank_fresh_direct/query7/query.json b/query_bank_fresh_direct/query7/query.json
new file mode 100644
index 0000000000..422a857ab4
--- /dev/null
+++ b/query_bank_fresh_direct/query7/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 13:52 IST. What is the total available balance across all of customer CUST_DF7C394F's accounts right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query7/validate.py b/query_bank_fresh_direct/query7/validate.py
new file mode 100644
index 0000000000..a9e64fefa1
--- /dev/null
+++ b/query_bank_fresh_direct/query7/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 7 (changed, 2026-07-02 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 2067450.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query8/ground_truth.csv b/query_bank_fresh_direct/query8/ground_truth.csv
new file mode 100644
index 0000000000..d243f6ab4a
--- /dev/null
+++ b/query_bank_fresh_direct/query8/ground_truth.csv
@@ -0,0 +1 @@
+1500.00
diff --git a/query_bank_fresh_direct/query8/query.json b/query_bank_fresh_direct/query8/query.json
new file mode 100644
index 0000000000..16648ab3ba
--- /dev/null
+++ b/query_bank_fresh_direct/query8/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 16:41 IST. What is the total amount debited today across all of customer CUST_AA80B2B9's accounts?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query8/validate.py b/query_bank_fresh_direct/query8/validate.py
new file mode 100644
index 0000000000..59cc9b722f
--- /dev/null
+++ b/query_bank_fresh_direct/query8/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 8 (changed, 2026-07-02 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 1500.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query9/ground_truth.csv b/query_bank_fresh_direct/query9/ground_truth.csv
new file mode 100644
index 0000000000..dee79f1094
--- /dev/null
+++ b/query_bank_fresh_direct/query9/ground_truth.csv
@@ -0,0 +1 @@
+114
diff --git a/query_bank_fresh_direct/query9/query.json b/query_bank_fresh_direct/query9/query.json
new file mode 100644
index 0000000000..3bba1f17e7
--- /dev/null
+++ b/query_bank_fresh_direct/query9/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 19:30 IST. How many savings accounts have an available balance below ₹100,000 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query9/validate.py b/query_bank_fresh_direct/query9/validate.py
new file mode 100644
index 0000000000..52bb2f505d
--- /dev/null
+++ b/query_bank_fresh_direct/query9/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 9 (portfolio, 2026-07-02 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['count', 114]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/customers.bson b/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/customers.bson
new file mode 100644
index 0000000000..3fdcbd2756
--- /dev/null
+++ b/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/customers.bson
@@ -0,0 +1,3 @@
+version https://git-lfs.github.com/spec/v1
+oid sha256:cecaaa0b148dd1f2167d70ab03968e92a2e5df96bb2fd5e3aaecf8a272de1ce7
+size 231519
diff --git a/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/customers.metadata.json b/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/customers.metadata.json
new file mode 100644
index 0000000000..dd0a8d2a1d
--- /dev/null
+++ b/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/customers.metadata.json
@@ -0,0 +1 @@
+{"indexes": [{"v": 2, "key": {"_id": 1}, "name": "_id_"}], "collectionName": "customers", "type": "collection"}
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/offers.bson b/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/offers.bson
new file mode 100644
index 0000000000..411f614153
--- /dev/null
+++ b/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/offers.bson
@@ -0,0 +1,3 @@
+version https://git-lfs.github.com/spec/v1
+oid sha256:65db2c1f0db8a046a793fb8d4da5b0b20a48b971d39add9092643514043b4eb1
+size 390813
diff --git a/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/offers.metadata.json b/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/offers.metadata.json
new file mode 100644
index 0000000000..f6f49ee01d
--- /dev/null
+++ b/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/offers.metadata.json
@@ -0,0 +1 @@
+{"indexes": [{"v": 2, "key": {"_id": 1}, "name": "_id_"}], "collectionName": "offers", "type": "collection"}
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/service_requests.bson b/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/service_requests.bson
new file mode 100644
index 0000000000..4146dcf907
--- /dev/null
+++ b/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/service_requests.bson
@@ -0,0 +1,3 @@
+version https://git-lfs.github.com/spec/v1
+oid sha256:01aa84ed2f85f2a0670f5f4dc93c236d58feeed442e385d1e95d4edc35ef4ba2
+size 291726
diff --git a/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/service_requests.metadata.json b/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/service_requests.metadata.json
new file mode 100644
index 0000000000..7539efd6d5
--- /dev/null
+++ b/query_bank_fresh_direct/query_dataset/bank_crm_dump/bank_crm/service_requests.metadata.json
@@ -0,0 +1 @@
+{"indexes": [{"v": 2, "key": {"_id": 1}, "name": "_id_"}], "collectionName": "service_requests", "type": "collection"}
\ No newline at end of file
diff --git a/query_bank_fresh_direct/query_dataset/cards.db b/query_bank_fresh_direct/query_dataset/cards.db
new file mode 100644
index 0000000000..58e80631a2
--- /dev/null
+++ b/query_bank_fresh_direct/query_dataset/cards.db
@@ -0,0 +1,3 @@
+version https://git-lfs.github.com/spec/v1
+oid sha256:4c99b76a713e25a128997c467b0ab175ddf293dbbbd70f2e6d4e4416ed8744e0
+size 884736
diff --git a/query_bank_fresh_direct/query_dataset/cbs.sql b/query_bank_fresh_direct/query_dataset/cbs.sql
new file mode 100644
index 0000000000..489e89b8f7
--- /dev/null
+++ b/query_bank_fresh_direct/query_dataset/cbs.sql
@@ -0,0 +1,3 @@
+version https://git-lfs.github.com/spec/v1
+oid sha256:ce4e4e5537846d3d256da965971c12dc38e8a4721e9f6196bc4769dce6974ab1
+size 1730246
diff --git a/query_bank_fresh_direct/query_dataset/insurance.duckdb b/query_bank_fresh_direct/query_dataset/insurance.duckdb
new file mode 100644
index 0000000000..ab7cbd8a97
Binary files /dev/null and b/query_bank_fresh_direct/query_dataset/insurance.duckdb differ
diff --git a/query_bank_fresh_direct/query_dataset/lending.duckdb b/query_bank_fresh_direct/query_dataset/lending.duckdb
new file mode 100644
index 0000000000..b0bf232170
Binary files /dev/null and b/query_bank_fresh_direct/query_dataset/lending.duckdb differ
diff --git a/query_bank_fresh_direct/query_dataset/payments.db b/query_bank_fresh_direct/query_dataset/payments.db
new file mode 100644
index 0000000000..0cbc11fdc0
--- /dev/null
+++ b/query_bank_fresh_direct/query_dataset/payments.db
@@ -0,0 +1,3 @@
+version https://git-lfs.github.com/spec/v1
+oid sha256:15e723375bc1df49c31d6811dd42c8bd40fcbdc579aa271e73c784d561400873
+size 196608
diff --git a/query_bank_fresh_live/db_config.yaml b/query_bank_fresh_live/db_config.yaml
new file mode 100644
index 0000000000..5cdadf8509
--- /dev/null
+++ b/query_bank_fresh_live/db_config.yaml
@@ -0,0 +1,5 @@
+db_clients:
+  bank_live:
+    db_type: mongo
+    db_name: bank_live
+    dump_folder: query_dataset/bank_live_dump
diff --git a/query_bank_fresh_live/db_description.txt b/query_bank_fresh_live/db_description.txt
new file mode 100644
index 0000000000..ae51fe0fb2
--- /dev/null
+++ b/query_bank_fresh_live/db_description.txt
@@ -0,0 +1,38 @@
+You are working with one database, bank_live, stored in MongoDB. Amounts are in Indian rupees (INR).
+
+bank_live holds the consolidated current state of one retail bank's customers in India, kept continuously up to date, as changes are made, from the bank's core banking, cards, lending, payments, CRM and insurance systems.
+
+Guarantees:
+- One document per customer, identified by `customer_id` (also its `_id`), e.g. CUST_35359B3E.
+- Every account, deposit, loan, card, mandate, insurance policy, service request and offer of the customer is embedded in that customer's document, and in no other document.
+- Account ids are the canonical ids (e.g. SB1785318658; SB = savings, CA = current). Every reference to an account (`linked_account`, `payout_account`, `source_account`, `account_id`) holds such an id, and it is always an account of the same customer.
+- card_id, deposit_id and loan_id are unique within a customer, not across customers.
+- Customer names, phone numbers and e-mail addresses are not unique.
+- Dates are ISO-8601 strings (YYYY-MM-DD; created_at includes the time).
+
+Collection in bank_live:
+- customer: one document per customer
+  Fields: _id, customer_id
+  - profile: object
+    Fields: name, age, gender, senior_citizen, segment, profession, sector, employer, marital_status, monthly_income, kyc_status, email, phone
+    - communication_address, permanent_address: objects with fields line1, line2, city, state, pincode
+  - login_context: object with fields customer_id, linked_accounts (account ids), linked_products (deposit, loan and policy ids), linked_cards (card ids)
+  - accounts: array of savings and current accounts
+    Fields: account_id, account_type, status, ifsc, home_branch, holders (names, primary holder first), nominee (object with name, relationship; null if none), open_date, available_balance, hold_amount, currency
+    - transactions: array; fields reference_id, date, description, amount, direction, channel, balance_after
+    - cheques: array; fields cheque_number, status
+  - deposits: array of fixed deposits (kind FD) and recurring deposits (kind RD)
+    Fields: deposit_id, kind, principal (FD), rate, tenure_months, start_date, maturity_date, maturity_amount, payout_type (FD), maturity_instruction, status, payout_account, nominee (object), monthly_installment (RD), installments_paid (RD), total_deposited (RD), source_account (RD)
+  - loans: array of home, personal and gold loans
+    Fields: loan_id, loan_type, outstanding, rate, emi, remaining_tenure_months, next_due_date, status
+  - cards: array of debit and credit cards
+    Fields: card_id, card_type, network, status, credit_limit, available_limit, linked_account
+    - controls: object keyed by channel (atm, online, pos), then region (domestic, international); each holds enabled and, when set, daily_limit
+  - mandates: array of standing payment mandates that debit one of the customer's accounts
+    Fields: mandate_id, account_id, payee, amount, frequency, next_debit_date, status, type
+  - insurance: array of insurance policies
+    Fields: policy_id, policy_name, insurer, sum_assured, premium, frequency, status, next_premium_date, nominee (object)
+  - requests: array of service requests
+    Fields: request_id, category, description, related_transaction_id, account_id, status, priority, created_at, eta
+  - offers: array of product offers shown to the customer
+    Fields: offer_id, type, title, detail, indicative
diff --git a/query_bank_fresh_live/db_description_withhint.txt b/query_bank_fresh_live/db_description_withhint.txt
new file mode 100644
index 0000000000..e69de29bb2
diff --git a/query_bank_fresh_live/query1/ground_truth.csv b/query_bank_fresh_live/query1/ground_truth.csv
new file mode 100644
index 0000000000..78f789d4f3
--- /dev/null
+++ b/query_bank_fresh_live/query1/ground_truth.csv
@@ -0,0 +1 @@
+1113900.00
diff --git a/query_bank_fresh_live/query1/query.json b/query_bank_fresh_live/query1/query.json
new file mode 100644
index 0000000000..0c771ff880
--- /dev/null
+++ b/query_bank_fresh_live/query1/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 08:13 IST. What is the available balance of account SB4516247616 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query1/validate.py b/query_bank_fresh_live/query1/validate.py
new file mode 100644
index 0000000000..1e656414c7
--- /dev/null
+++ b/query_bank_fresh_live/query1/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 1 (control, 2026-07-01 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 1113900.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query10/ground_truth.csv b/query_bank_fresh_live/query10/ground_truth.csv
new file mode 100644
index 0000000000..e542a287a4
--- /dev/null
+++ b/query_bank_fresh_live/query10/ground_truth.csv
@@ -0,0 +1 @@
+3158000.00
diff --git a/query_bank_fresh_live/query10/query.json b/query_bank_fresh_live/query10/query.json
new file mode 100644
index 0000000000..e88c3216d0
--- /dev/null
+++ b/query_bank_fresh_live/query10/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 08:13 IST. What is the total available balance across all of customer CUST_7D3D21E0's accounts right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query10/validate.py b/query_bank_fresh_live/query10/validate.py
new file mode 100644
index 0000000000..a53ae44290
--- /dev/null
+++ b/query_bank_fresh_live/query10/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 10 (control, 2026-07-03 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 3158000.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query11/ground_truth.csv b/query_bank_fresh_live/query11/ground_truth.csv
new file mode 100644
index 0000000000..0e019dbbda
--- /dev/null
+++ b/query_bank_fresh_live/query11/ground_truth.csv
@@ -0,0 +1 @@
+756300.00
diff --git a/query_bank_fresh_live/query11/query.json b/query_bank_fresh_live/query11/query.json
new file mode 100644
index 0000000000..c1daa0b860
--- /dev/null
+++ b/query_bank_fresh_live/query11/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 11:02 IST. What is the available balance of account SB7976773201 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query11/validate.py b/query_bank_fresh_live/query11/validate.py
new file mode 100644
index 0000000000..b0ee12a7c8
--- /dev/null
+++ b/query_bank_fresh_live/query11/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 11 (changed, 2026-07-03 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 756300.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query12/ground_truth.csv b/query_bank_fresh_live/query12/ground_truth.csv
new file mode 100644
index 0000000000..363381d36b
--- /dev/null
+++ b/query_bank_fresh_live/query12/ground_truth.csv
@@ -0,0 +1 @@
+TXN6357291692
diff --git a/query_bank_fresh_live/query12/query.json b/query_bank_fresh_live/query12/query.json
new file mode 100644
index 0000000000..6a610faae9
--- /dev/null
+++ b/query_bank_fresh_live/query12/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 13:52 IST. What is the reference id of the most recent transaction on account SB5485032001?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query12/validate.py b/query_bank_fresh_live/query12/validate.py
new file mode 100644
index 0000000000..ea87804062
--- /dev/null
+++ b/query_bank_fresh_live/query12/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 12 (changed, 2026-07-03 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['ids', ['TXN6357291692']]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query13/ground_truth.csv b/query_bank_fresh_live/query13/ground_truth.csv
new file mode 100644
index 0000000000..0cb95399a0
--- /dev/null
+++ b/query_bank_fresh_live/query13/ground_truth.csv
@@ -0,0 +1 @@
+136960.88
diff --git a/query_bank_fresh_live/query13/query.json b/query_bank_fresh_live/query13/query.json
new file mode 100644
index 0000000000..497b47a94d
--- /dev/null
+++ b/query_bank_fresh_live/query13/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 16:41 IST. If customer CUST_6F969BE4 paid one EMI on each of their loans from savings account SB5758306466, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query13/validate.py b/query_bank_fresh_live/query13/validate.py
new file mode 100644
index 0000000000..255dd98452
--- /dev/null
+++ b/query_bank_fresh_live/query13/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 13 (changed, 2026-07-03 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 136960.88, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query14/ground_truth.csv b/query_bank_fresh_live/query14/ground_truth.csv
new file mode 100644
index 0000000000..e709b73697
--- /dev/null
+++ b/query_bank_fresh_live/query14/ground_truth.csv
@@ -0,0 +1 @@
+528339.00
diff --git a/query_bank_fresh_live/query14/query.json b/query_bank_fresh_live/query14/query.json
new file mode 100644
index 0000000000..5ef48d8f9c
--- /dev/null
+++ b/query_bank_fresh_live/query14/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 19:30 IST. If customer CUST_8E3C686D paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB9191228734, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query14/validate.py b/query_bank_fresh_live/query14/validate.py
new file mode 100644
index 0000000000..ac1f82464f
--- /dev/null
+++ b/query_bank_fresh_live/query14/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 14 (changed, 2026-07-03 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 528339.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query15/ground_truth.csv b/query_bank_fresh_live/query15/ground_truth.csv
new file mode 100644
index 0000000000..6a32be5b2f
--- /dev/null
+++ b/query_bank_fresh_live/query15/ground_truth.csv
@@ -0,0 +1 @@
+80153.00
diff --git a/query_bank_fresh_live/query15/query.json b/query_bank_fresh_live/query15/query.json
new file mode 100644
index 0000000000..fe5103c463
--- /dev/null
+++ b/query_bank_fresh_live/query15/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 08:13 IST. If customer CUST_32F18A29 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB7245427885, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query15/validate.py b/query_bank_fresh_live/query15/validate.py
new file mode 100644
index 0000000000..c8966558b3
--- /dev/null
+++ b/query_bank_fresh_live/query15/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 15 (control, 2026-07-04 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 80153.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query16/ground_truth.csv b/query_bank_fresh_live/query16/ground_truth.csv
new file mode 100644
index 0000000000..cdb42e6e22
--- /dev/null
+++ b/query_bank_fresh_live/query16/ground_truth.csv
@@ -0,0 +1 @@
+835150.00
diff --git a/query_bank_fresh_live/query16/query.json b/query_bank_fresh_live/query16/query.json
new file mode 100644
index 0000000000..475e67eea7
--- /dev/null
+++ b/query_bank_fresh_live/query16/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 11:02 IST. What is the total available balance across all of customer CUST_1ED630F6's accounts right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query16/validate.py b/query_bank_fresh_live/query16/validate.py
new file mode 100644
index 0000000000..68d153d07d
--- /dev/null
+++ b/query_bank_fresh_live/query16/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 16 (changed, 2026-07-04 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 835150.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query17/ground_truth.csv b/query_bank_fresh_live/query17/ground_truth.csv
new file mode 100644
index 0000000000..ef79ffa647
--- /dev/null
+++ b/query_bank_fresh_live/query17/ground_truth.csv
@@ -0,0 +1 @@
+2500.00
diff --git a/query_bank_fresh_live/query17/query.json b/query_bank_fresh_live/query17/query.json
new file mode 100644
index 0000000000..4228c658f7
--- /dev/null
+++ b/query_bank_fresh_live/query17/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 13:52 IST. What is the total amount debited today across all of customer CUST_56175C3A's accounts?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query17/validate.py b/query_bank_fresh_live/query17/validate.py
new file mode 100644
index 0000000000..39c25399a7
--- /dev/null
+++ b/query_bank_fresh_live/query17/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 17 (changed, 2026-07-04 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 2500.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query18/ground_truth.csv b/query_bank_fresh_live/query18/ground_truth.csv
new file mode 100644
index 0000000000..05ea371411
--- /dev/null
+++ b/query_bank_fresh_live/query18/ground_truth.csv
@@ -0,0 +1 @@
+310000.00
diff --git a/query_bank_fresh_live/query18/query.json b/query_bank_fresh_live/query18/query.json
new file mode 100644
index 0000000000..8b004f6b14
--- /dev/null
+++ b/query_bank_fresh_live/query18/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 16:41 IST. What is the available balance of account SB2888459069 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query18/validate.py b/query_bank_fresh_live/query18/validate.py
new file mode 100644
index 0000000000..cfe60ceb17
--- /dev/null
+++ b/query_bank_fresh_live/query18/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 18 (changed, 2026-07-04 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 310000.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query19/ground_truth.csv b/query_bank_fresh_live/query19/ground_truth.csv
new file mode 100644
index 0000000000..365169858d
--- /dev/null
+++ b/query_bank_fresh_live/query19/ground_truth.csv
@@ -0,0 +1 @@
+485201126.00
diff --git a/query_bank_fresh_live/query19/query.json b/query_bank_fresh_live/query19/query.json
new file mode 100644
index 0000000000..9ec362ef77
--- /dev/null
+++ b/query_bank_fresh_live/query19/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 19:30 IST. What is the total available balance right now across all accounts of customers in the HNI segment?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query19/validate.py b/query_bank_fresh_live/query19/validate.py
new file mode 100644
index 0000000000..37d1bdc228
--- /dev/null
+++ b/query_bank_fresh_live/query19/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 19 (portfolio, 2026-07-04 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 485201126.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query2/ground_truth.csv b/query_bank_fresh_live/query2/ground_truth.csv
new file mode 100644
index 0000000000..995d3c3e9f
--- /dev/null
+++ b/query_bank_fresh_live/query2/ground_truth.csv
@@ -0,0 +1 @@
+161700.00
diff --git a/query_bank_fresh_live/query2/query.json b/query_bank_fresh_live/query2/query.json
new file mode 100644
index 0000000000..3df83dad5e
--- /dev/null
+++ b/query_bank_fresh_live/query2/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 13:52 IST. What is the available balance of account SB5033530740 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query2/validate.py b/query_bank_fresh_live/query2/validate.py
new file mode 100644
index 0000000000..6f62130655
--- /dev/null
+++ b/query_bank_fresh_live/query2/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 2 (changed, 2026-07-01 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 161700.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query20/ground_truth.csv b/query_bank_fresh_live/query20/ground_truth.csv
new file mode 100644
index 0000000000..b1e1ce97bc
--- /dev/null
+++ b/query_bank_fresh_live/query20/ground_truth.csv
@@ -0,0 +1 @@
+2320000.00
diff --git a/query_bank_fresh_live/query20/query.json b/query_bank_fresh_live/query20/query.json
new file mode 100644
index 0000000000..8add06cd1b
--- /dev/null
+++ b/query_bank_fresh_live/query20/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 08:13 IST. What is the available balance of account SB4296331449 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query20/validate.py b/query_bank_fresh_live/query20/validate.py
new file mode 100644
index 0000000000..7b9dda5dab
--- /dev/null
+++ b/query_bank_fresh_live/query20/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 20 (control, 2026-07-05 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 2320000.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query21/ground_truth.csv b/query_bank_fresh_live/query21/ground_truth.csv
new file mode 100644
index 0000000000..3c149b5448
--- /dev/null
+++ b/query_bank_fresh_live/query21/ground_truth.csv
@@ -0,0 +1 @@
+TXN9109712686
diff --git a/query_bank_fresh_live/query21/query.json b/query_bank_fresh_live/query21/query.json
new file mode 100644
index 0000000000..15fad14309
--- /dev/null
+++ b/query_bank_fresh_live/query21/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 11:02 IST. What is the reference id of the most recent transaction on account SB4264623376?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query21/validate.py b/query_bank_fresh_live/query21/validate.py
new file mode 100644
index 0000000000..837cf914ce
--- /dev/null
+++ b/query_bank_fresh_live/query21/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 21 (changed, 2026-07-05 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['ids', ['TXN9109712686']]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query22/ground_truth.csv b/query_bank_fresh_live/query22/ground_truth.csv
new file mode 100644
index 0000000000..a821e5171b
--- /dev/null
+++ b/query_bank_fresh_live/query22/ground_truth.csv
@@ -0,0 +1 @@
+140454.43
diff --git a/query_bank_fresh_live/query22/query.json b/query_bank_fresh_live/query22/query.json
new file mode 100644
index 0000000000..52e0e60a8b
--- /dev/null
+++ b/query_bank_fresh_live/query22/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 13:52 IST. If customer CUST_5EADA1BF paid one EMI on each of their loans from savings account SB8898036836, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query22/validate.py b/query_bank_fresh_live/query22/validate.py
new file mode 100644
index 0000000000..3dd71b1ac6
--- /dev/null
+++ b/query_bank_fresh_live/query22/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 22 (changed, 2026-07-05 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 140454.43, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query23/ground_truth.csv b/query_bank_fresh_live/query23/ground_truth.csv
new file mode 100644
index 0000000000..40490233b3
--- /dev/null
+++ b/query_bank_fresh_live/query23/ground_truth.csv
@@ -0,0 +1 @@
+430557.41
diff --git a/query_bank_fresh_live/query23/query.json b/query_bank_fresh_live/query23/query.json
new file mode 100644
index 0000000000..8869a548f1
--- /dev/null
+++ b/query_bank_fresh_live/query23/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 16:41 IST. If customer CUST_4EE77D9E paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB4424348037, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query23/validate.py b/query_bank_fresh_live/query23/validate.py
new file mode 100644
index 0000000000..7dad841a5b
--- /dev/null
+++ b/query_bank_fresh_live/query23/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 23 (changed, 2026-07-05 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 430557.41, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query24/ground_truth.csv b/query_bank_fresh_live/query24/ground_truth.csv
new file mode 100644
index 0000000000..e89be4812f
--- /dev/null
+++ b/query_bank_fresh_live/query24/ground_truth.csv
@@ -0,0 +1 @@
+1932499.00
diff --git a/query_bank_fresh_live/query24/query.json b/query_bank_fresh_live/query24/query.json
new file mode 100644
index 0000000000..0c32b7f2e2
--- /dev/null
+++ b/query_bank_fresh_live/query24/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 19:30 IST. What is the total available balance across all of customer CUST_78CA155D's accounts right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query24/validate.py b/query_bank_fresh_live/query24/validate.py
new file mode 100644
index 0000000000..9c60fbeaec
--- /dev/null
+++ b/query_bank_fresh_live/query24/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 24 (control, 2026-07-05 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 1932499.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query25/ground_truth.csv b/query_bank_fresh_live/query25/ground_truth.csv
new file mode 100644
index 0000000000..caf1c06105
--- /dev/null
+++ b/query_bank_fresh_live/query25/ground_truth.csv
@@ -0,0 +1 @@
+47350.00
diff --git a/query_bank_fresh_live/query25/query.json b/query_bank_fresh_live/query25/query.json
new file mode 100644
index 0000000000..b75f77e233
--- /dev/null
+++ b/query_bank_fresh_live/query25/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 08:13 IST. What is customer CUST_4E25D87F's total spending power right now: the available balance across all of their accounts plus the available limit on their active credit cards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query25/validate.py b/query_bank_fresh_live/query25/validate.py
new file mode 100644
index 0000000000..c88668c03a
--- /dev/null
+++ b/query_bank_fresh_live/query25/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 25 (control, 2026-07-01 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 47350.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query26/ground_truth.csv b/query_bank_fresh_live/query26/ground_truth.csv
new file mode 100644
index 0000000000..10f27ef025
--- /dev/null
+++ b/query_bank_fresh_live/query26/ground_truth.csv
@@ -0,0 +1 @@
+139900.00
diff --git a/query_bank_fresh_live/query26/query.json b/query_bank_fresh_live/query26/query.json
new file mode 100644
index 0000000000..ca84340289
--- /dev/null
+++ b/query_bank_fresh_live/query26/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 13:52 IST. If each active payment mandate on customer CUST_DCCD6EFD's savings account SB5785868040 debited once, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query26/validate.py b/query_bank_fresh_live/query26/validate.py
new file mode 100644
index 0000000000..d674b5a6bf
--- /dev/null
+++ b/query_bank_fresh_live/query26/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 26 (changed, 2026-07-01 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 139900.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query27/ground_truth.csv b/query_bank_fresh_live/query27/ground_truth.csv
new file mode 100644
index 0000000000..587225227f
--- /dev/null
+++ b/query_bank_fresh_live/query27/ground_truth.csv
@@ -0,0 +1 @@
+280000.00
diff --git a/query_bank_fresh_live/query27/query.json b/query_bank_fresh_live/query27/query.json
new file mode 100644
index 0000000000..4053f16eed
--- /dev/null
+++ b/query_bank_fresh_live/query27/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 16:41 IST. What is customer CUST_9748C87C's total spending power right now: the available balance across all of their accounts plus the available limit on their active credit cards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query27/validate.py b/query_bank_fresh_live/query27/validate.py
new file mode 100644
index 0000000000..2834aa8edd
--- /dev/null
+++ b/query_bank_fresh_live/query27/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 27 (changed, 2026-07-01 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 280000.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query28/ground_truth.csv b/query_bank_fresh_live/query28/ground_truth.csv
new file mode 100644
index 0000000000..fd630f9569
--- /dev/null
+++ b/query_bank_fresh_live/query28/ground_truth.csv
@@ -0,0 +1 @@
+308952798.00
diff --git a/query_bank_fresh_live/query28/query.json b/query_bank_fresh_live/query28/query.json
new file mode 100644
index 0000000000..6d56b71233
--- /dev/null
+++ b/query_bank_fresh_live/query28/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 19:30 IST. What is the total available balance right now across all accounts of customers in the AFFLUENT segment?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query28/validate.py b/query_bank_fresh_live/query28/validate.py
new file mode 100644
index 0000000000..c272224254
--- /dev/null
+++ b/query_bank_fresh_live/query28/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 28 (portfolio, 2026-07-01 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 308952798.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query29/ground_truth.csv b/query_bank_fresh_live/query29/ground_truth.csv
new file mode 100644
index 0000000000..0e7ed6b5a0
--- /dev/null
+++ b/query_bank_fresh_live/query29/ground_truth.csv
@@ -0,0 +1 @@
+67466.67
diff --git a/query_bank_fresh_live/query29/query.json b/query_bank_fresh_live/query29/query.json
new file mode 100644
index 0000000000..b31e828b60
--- /dev/null
+++ b/query_bank_fresh_live/query29/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 08:13 IST. What is customer CUST_1F860D07's net position right now: the total available balance across all of their accounts minus the total outstanding on their loans?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query29/validate.py b/query_bank_fresh_live/query29/validate.py
new file mode 100644
index 0000000000..4994252bc2
--- /dev/null
+++ b/query_bank_fresh_live/query29/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 29 (control, 2026-07-02 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 67466.67, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query3/ground_truth.csv b/query_bank_fresh_live/query3/ground_truth.csv
new file mode 100644
index 0000000000..cd1f24fdf7
--- /dev/null
+++ b/query_bank_fresh_live/query3/ground_truth.csv
@@ -0,0 +1 @@
+TXN2430659475
diff --git a/query_bank_fresh_live/query3/query.json b/query_bank_fresh_live/query3/query.json
new file mode 100644
index 0000000000..1f1dd3d33e
--- /dev/null
+++ b/query_bank_fresh_live/query3/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 16:41 IST. What is the reference id of the most recent transaction on account SB7252994408?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query3/validate.py b/query_bank_fresh_live/query3/validate.py
new file mode 100644
index 0000000000..0b15175f9a
--- /dev/null
+++ b/query_bank_fresh_live/query3/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 3 (changed, 2026-07-01 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['ids', ['TXN2430659475']]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query30/ground_truth.csv b/query_bank_fresh_live/query30/ground_truth.csv
new file mode 100644
index 0000000000..08bdd6ed2d
--- /dev/null
+++ b/query_bank_fresh_live/query30/ground_truth.csv
@@ -0,0 +1 @@
+34083.33
diff --git a/query_bank_fresh_live/query30/query.json b/query_bank_fresh_live/query30/query.json
new file mode 100644
index 0000000000..82ff801596
--- /dev/null
+++ b/query_bank_fresh_live/query30/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 11:02 IST. What is customer CUST_EA27E8B4's net position right now: the total available balance across all of their accounts minus the total outstanding on their loans?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query30/validate.py b/query_bank_fresh_live/query30/validate.py
new file mode 100644
index 0000000000..cd09472a72
--- /dev/null
+++ b/query_bank_fresh_live/query30/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 30 (changed, 2026-07-02 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 34083.33, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query31/ground_truth.csv b/query_bank_fresh_live/query31/ground_truth.csv
new file mode 100644
index 0000000000..60ec8d8548
--- /dev/null
+++ b/query_bank_fresh_live/query31/ground_truth.csv
@@ -0,0 +1 @@
+403639.00
diff --git a/query_bank_fresh_live/query31/query.json b/query_bank_fresh_live/query31/query.json
new file mode 100644
index 0000000000..3077960bde
--- /dev/null
+++ b/query_bank_fresh_live/query31/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 13:52 IST. If customer CUST_2A1921A5 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB8372064494, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query31/validate.py b/query_bank_fresh_live/query31/validate.py
new file mode 100644
index 0000000000..dcd6cd6a0a
--- /dev/null
+++ b/query_bank_fresh_live/query31/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 31 (changed, 2026-07-02 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 403639.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query32/ground_truth.csv b/query_bank_fresh_live/query32/ground_truth.csv
new file mode 100644
index 0000000000..32f2689200
--- /dev/null
+++ b/query_bank_fresh_live/query32/ground_truth.csv
@@ -0,0 +1 @@
+120873.66
diff --git a/query_bank_fresh_live/query32/query.json b/query_bank_fresh_live/query32/query.json
new file mode 100644
index 0000000000..752e4c9a8e
--- /dev/null
+++ b/query_bank_fresh_live/query32/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 16:41 IST. If customer CUST_9DDDDED0 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB3099693324, and each active payment mandate on that account also debited once, what would its available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query32/validate.py b/query_bank_fresh_live/query32/validate.py
new file mode 100644
index 0000000000..dd129a3185
--- /dev/null
+++ b/query_bank_fresh_live/query32/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 32 (changed, 2026-07-02 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 120873.66, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query33/ground_truth.csv b/query_bank_fresh_live/query33/ground_truth.csv
new file mode 100644
index 0000000000..48a6b1a25d
--- /dev/null
+++ b/query_bank_fresh_live/query33/ground_truth.csv
@@ -0,0 +1 @@
+202968279.00
diff --git a/query_bank_fresh_live/query33/query.json b/query_bank_fresh_live/query33/query.json
new file mode 100644
index 0000000000..82adc5ff55
--- /dev/null
+++ b/query_bank_fresh_live/query33/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 19:30 IST. What is the total available balance right now across all accounts of customers who have a home loan?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query33/validate.py b/query_bank_fresh_live/query33/validate.py
new file mode 100644
index 0000000000..869ef0296a
--- /dev/null
+++ b/query_bank_fresh_live/query33/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 33 (portfolio, 2026-07-02 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 202968279.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query34/ground_truth.csv b/query_bank_fresh_live/query34/ground_truth.csv
new file mode 100644
index 0000000000..722a406418
--- /dev/null
+++ b/query_bank_fresh_live/query34/ground_truth.csv
@@ -0,0 +1 @@
+183551.00
diff --git a/query_bank_fresh_live/query34/query.json b/query_bank_fresh_live/query34/query.json
new file mode 100644
index 0000000000..8c08ff10d2
--- /dev/null
+++ b/query_bank_fresh_live/query34/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 08:13 IST. If each active payment mandate on customer CUST_28F3840A's savings account SB7794504323 debited once, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query34/validate.py b/query_bank_fresh_live/query34/validate.py
new file mode 100644
index 0000000000..7effed94eb
--- /dev/null
+++ b/query_bank_fresh_live/query34/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 34 (control, 2026-07-03 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 183551.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query35/ground_truth.csv b/query_bank_fresh_live/query35/ground_truth.csv
new file mode 100644
index 0000000000..694cb7a792
--- /dev/null
+++ b/query_bank_fresh_live/query35/ground_truth.csv
@@ -0,0 +1 @@
+143500.00
diff --git a/query_bank_fresh_live/query35/query.json b/query_bank_fresh_live/query35/query.json
new file mode 100644
index 0000000000..f6500ed85f
--- /dev/null
+++ b/query_bank_fresh_live/query35/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 11:02 IST. If each active payment mandate on customer CUST_61FB84EA's savings account SB1858255549 debited once, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query35/validate.py b/query_bank_fresh_live/query35/validate.py
new file mode 100644
index 0000000000..c3cd34ac4d
--- /dev/null
+++ b/query_bank_fresh_live/query35/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 35 (changed, 2026-07-03 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 143500.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query36/ground_truth.csv b/query_bank_fresh_live/query36/ground_truth.csv
new file mode 100644
index 0000000000..2970187dbd
--- /dev/null
+++ b/query_bank_fresh_live/query36/ground_truth.csv
@@ -0,0 +1 @@
+881699.00
diff --git a/query_bank_fresh_live/query36/query.json b/query_bank_fresh_live/query36/query.json
new file mode 100644
index 0000000000..970f06809b
--- /dev/null
+++ b/query_bank_fresh_live/query36/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 13:52 IST. What is customer CUST_391D8014's total spending power right now: the available balance across all of their accounts plus the available limit on their active credit cards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query36/validate.py b/query_bank_fresh_live/query36/validate.py
new file mode 100644
index 0000000000..db061d45c0
--- /dev/null
+++ b/query_bank_fresh_live/query36/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 36 (changed, 2026-07-03 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 881699.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query37/ground_truth.csv b/query_bank_fresh_live/query37/ground_truth.csv
new file mode 100644
index 0000000000..5b2284991c
--- /dev/null
+++ b/query_bank_fresh_live/query37/ground_truth.csv
@@ -0,0 +1 @@
+445366.67
diff --git a/query_bank_fresh_live/query37/query.json b/query_bank_fresh_live/query37/query.json
new file mode 100644
index 0000000000..698473bcd2
--- /dev/null
+++ b/query_bank_fresh_live/query37/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 16:41 IST. What is customer CUST_9DC0DFB2's net position right now: the total available balance across all of their accounts minus the total outstanding on their loans?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query37/validate.py b/query_bank_fresh_live/query37/validate.py
new file mode 100644
index 0000000000..cb073f81b1
--- /dev/null
+++ b/query_bank_fresh_live/query37/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 37 (changed, 2026-07-03 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 445366.67, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query38/ground_truth.csv b/query_bank_fresh_live/query38/ground_truth.csv
new file mode 100644
index 0000000000..0801b690e9
--- /dev/null
+++ b/query_bank_fresh_live/query38/ground_truth.csv
@@ -0,0 +1 @@
+519083893.00
diff --git a/query_bank_fresh_live/query38/query.json b/query_bank_fresh_live/query38/query.json
new file mode 100644
index 0000000000..14cceff7ec
--- /dev/null
+++ b/query_bank_fresh_live/query38/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 19:30 IST. What is the total available balance right now across all accounts that have at least one active payment mandate?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query38/validate.py b/query_bank_fresh_live/query38/validate.py
new file mode 100644
index 0000000000..ae564e592e
--- /dev/null
+++ b/query_bank_fresh_live/query38/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 38 (portfolio, 2026-07-03 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 519083893.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query39/ground_truth.csv b/query_bank_fresh_live/query39/ground_truth.csv
new file mode 100644
index 0000000000..7eba0cf950
--- /dev/null
+++ b/query_bank_fresh_live/query39/ground_truth.csv
@@ -0,0 +1 @@
+70445.32
diff --git a/query_bank_fresh_live/query39/query.json b/query_bank_fresh_live/query39/query.json
new file mode 100644
index 0000000000..f09c6b5494
--- /dev/null
+++ b/query_bank_fresh_live/query39/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 08:13 IST. If customer CUST_6879A3F6 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB1593303391, and each active payment mandate on that account also debited once, what would its available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query39/validate.py b/query_bank_fresh_live/query39/validate.py
new file mode 100644
index 0000000000..cf669a29f8
--- /dev/null
+++ b/query_bank_fresh_live/query39/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 39 (control, 2026-07-04 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 70445.32, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query4/ground_truth.csv b/query_bank_fresh_live/query4/ground_truth.csv
new file mode 100644
index 0000000000..5a7784c5cc
--- /dev/null
+++ b/query_bank_fresh_live/query4/ground_truth.csv
@@ -0,0 +1 @@
+3604915.29
diff --git a/query_bank_fresh_live/query4/query.json b/query_bank_fresh_live/query4/query.json
new file mode 100644
index 0000000000..fe348d5bbb
--- /dev/null
+++ b/query_bank_fresh_live/query4/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 19:30 IST. If customer CUST_E851F10B paid one EMI on each of their loans from savings account SB9164216373, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query4/validate.py b/query_bank_fresh_live/query4/validate.py
new file mode 100644
index 0000000000..8c237d40d1
--- /dev/null
+++ b/query_bank_fresh_live/query4/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 4 (changed, 2026-07-01 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 3604915.29, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query40/ground_truth.csv b/query_bank_fresh_live/query40/ground_truth.csv
new file mode 100644
index 0000000000..1f24b478b9
--- /dev/null
+++ b/query_bank_fresh_live/query40/ground_truth.csv
@@ -0,0 +1 @@
+48545.32
diff --git a/query_bank_fresh_live/query40/query.json b/query_bank_fresh_live/query40/query.json
new file mode 100644
index 0000000000..707c47b4a1
--- /dev/null
+++ b/query_bank_fresh_live/query40/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 11:02 IST. If customer CUST_FC8C7D56 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB6498266930, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query40/validate.py b/query_bank_fresh_live/query40/validate.py
new file mode 100644
index 0000000000..f388740fcd
--- /dev/null
+++ b/query_bank_fresh_live/query40/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 40 (changed, 2026-07-04 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 48545.32, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query41/ground_truth.csv b/query_bank_fresh_live/query41/ground_truth.csv
new file mode 100644
index 0000000000..49697cc67d
--- /dev/null
+++ b/query_bank_fresh_live/query41/ground_truth.csv
@@ -0,0 +1 @@
+88948.00
diff --git a/query_bank_fresh_live/query41/query.json b/query_bank_fresh_live/query41/query.json
new file mode 100644
index 0000000000..8865e505b7
--- /dev/null
+++ b/query_bank_fresh_live/query41/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 13:52 IST. If customer CUST_4144C785 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB3287701469, and each active payment mandate on that account also debited once, what would its available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query41/validate.py b/query_bank_fresh_live/query41/validate.py
new file mode 100644
index 0000000000..878078d110
--- /dev/null
+++ b/query_bank_fresh_live/query41/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 41 (changed, 2026-07-04 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 88948.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query42/ground_truth.csv b/query_bank_fresh_live/query42/ground_truth.csv
new file mode 100644
index 0000000000..77b4cef3de
--- /dev/null
+++ b/query_bank_fresh_live/query42/ground_truth.csv
@@ -0,0 +1 @@
+142201.00
diff --git a/query_bank_fresh_live/query42/query.json b/query_bank_fresh_live/query42/query.json
new file mode 100644
index 0000000000..2a0acb6e36
--- /dev/null
+++ b/query_bank_fresh_live/query42/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 16:41 IST. If each active payment mandate on customer CUST_04F2A910's savings account SB8054014323 debited once, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query42/validate.py b/query_bank_fresh_live/query42/validate.py
new file mode 100644
index 0000000000..c3097fff4f
--- /dev/null
+++ b/query_bank_fresh_live/query42/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 42 (changed, 2026-07-04 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 142201.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query43/ground_truth.csv b/query_bank_fresh_live/query43/ground_truth.csv
new file mode 100644
index 0000000000..8258f79321
--- /dev/null
+++ b/query_bank_fresh_live/query43/ground_truth.csv
@@ -0,0 +1 @@
+306901271.00
diff --git a/query_bank_fresh_live/query43/query.json b/query_bank_fresh_live/query43/query.json
new file mode 100644
index 0000000000..50a8344aad
--- /dev/null
+++ b/query_bank_fresh_live/query43/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 19:30 IST. What is the total available balance right now across all accounts of customers who hold an active credit card?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query43/validate.py b/query_bank_fresh_live/query43/validate.py
new file mode 100644
index 0000000000..545586a4fb
--- /dev/null
+++ b/query_bank_fresh_live/query43/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 43 (portfolio, 2026-07-04 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 306901271.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query44/ground_truth.csv b/query_bank_fresh_live/query44/ground_truth.csv
new file mode 100644
index 0000000000..95582d5111
--- /dev/null
+++ b/query_bank_fresh_live/query44/ground_truth.csv
@@ -0,0 +1 @@
+28355.00
diff --git a/query_bank_fresh_live/query44/query.json b/query_bank_fresh_live/query44/query.json
new file mode 100644
index 0000000000..763840b779
--- /dev/null
+++ b/query_bank_fresh_live/query44/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 08:13 IST. If customer CUST_B3B7F46B paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB2953313427, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query44/validate.py b/query_bank_fresh_live/query44/validate.py
new file mode 100644
index 0000000000..ef717c02f0
--- /dev/null
+++ b/query_bank_fresh_live/query44/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 44 (control, 2026-07-05 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 28355.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query45/ground_truth.csv b/query_bank_fresh_live/query45/ground_truth.csv
new file mode 100644
index 0000000000..4ce6527881
--- /dev/null
+++ b/query_bank_fresh_live/query45/ground_truth.csv
@@ -0,0 +1 @@
+557700.00
diff --git a/query_bank_fresh_live/query45/query.json b/query_bank_fresh_live/query45/query.json
new file mode 100644
index 0000000000..3852f6d7dd
--- /dev/null
+++ b/query_bank_fresh_live/query45/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 11:02 IST. What is customer CUST_7EED3375's total spending power right now: the available balance across all of their accounts plus the available limit on their active credit cards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query45/validate.py b/query_bank_fresh_live/query45/validate.py
new file mode 100644
index 0000000000..76f42e0852
--- /dev/null
+++ b/query_bank_fresh_live/query45/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 45 (changed, 2026-07-05 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 557700.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query46/ground_truth.csv b/query_bank_fresh_live/query46/ground_truth.csv
new file mode 100644
index 0000000000..dd964e4275
--- /dev/null
+++ b/query_bank_fresh_live/query46/ground_truth.csv
@@ -0,0 +1 @@
+1886966.67
diff --git a/query_bank_fresh_live/query46/query.json b/query_bank_fresh_live/query46/query.json
new file mode 100644
index 0000000000..b518015bca
--- /dev/null
+++ b/query_bank_fresh_live/query46/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 13:52 IST. What is customer CUST_67CFC696's net position right now: the total available balance across all of their accounts minus the total outstanding on their loans?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query46/validate.py b/query_bank_fresh_live/query46/validate.py
new file mode 100644
index 0000000000..2d39fd6d88
--- /dev/null
+++ b/query_bank_fresh_live/query46/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 46 (changed, 2026-07-05 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 1886966.67, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query47/ground_truth.csv b/query_bank_fresh_live/query47/ground_truth.csv
new file mode 100644
index 0000000000..843dc525aa
--- /dev/null
+++ b/query_bank_fresh_live/query47/ground_truth.csv
@@ -0,0 +1 @@
+494839.00
diff --git a/query_bank_fresh_live/query47/query.json b/query_bank_fresh_live/query47/query.json
new file mode 100644
index 0000000000..873f9280e2
--- /dev/null
+++ b/query_bank_fresh_live/query47/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 16:41 IST. If customer CUST_8E3C686D paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB9191228734, and each active payment mandate on that account also debited once, what would its available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query47/validate.py b/query_bank_fresh_live/query47/validate.py
new file mode 100644
index 0000000000..6fb5093936
--- /dev/null
+++ b/query_bank_fresh_live/query47/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 47 (changed, 2026-07-05 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 494839.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query48/ground_truth.csv b/query_bank_fresh_live/query48/ground_truth.csv
new file mode 100644
index 0000000000..46ba39807b
--- /dev/null
+++ b/query_bank_fresh_live/query48/ground_truth.csv
@@ -0,0 +1 @@
+298000.00
diff --git a/query_bank_fresh_live/query48/query.json b/query_bank_fresh_live/query48/query.json
new file mode 100644
index 0000000000..50d6085d20
--- /dev/null
+++ b/query_bank_fresh_live/query48/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 19:30 IST. What is customer CUST_58826F08's total spending power right now: the available balance across all of their accounts plus the available limit on their active credit cards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query48/validate.py b/query_bank_fresh_live/query48/validate.py
new file mode 100644
index 0000000000..0e3e8fd887
--- /dev/null
+++ b/query_bank_fresh_live/query48/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 48 (control, 2026-07-05 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 298000.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query5/ground_truth.csv b/query_bank_fresh_live/query5/ground_truth.csv
new file mode 100644
index 0000000000..3ae3a65e32
--- /dev/null
+++ b/query_bank_fresh_live/query5/ground_truth.csv
@@ -0,0 +1 @@
+147663.00
diff --git a/query_bank_fresh_live/query5/query.json b/query_bank_fresh_live/query5/query.json
new file mode 100644
index 0000000000..8181ce02a2
--- /dev/null
+++ b/query_bank_fresh_live/query5/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 08:13 IST. If customer CUST_3F30CB5B paid one EMI on each of their loans from savings account SB2428838822, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query5/validate.py b/query_bank_fresh_live/query5/validate.py
new file mode 100644
index 0000000000..d14269fadc
--- /dev/null
+++ b/query_bank_fresh_live/query5/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 5 (control, 2026-07-02 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 147663.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query6/ground_truth.csv b/query_bank_fresh_live/query6/ground_truth.csv
new file mode 100644
index 0000000000..54dfcc8525
--- /dev/null
+++ b/query_bank_fresh_live/query6/ground_truth.csv
@@ -0,0 +1 @@
+4417000.61
diff --git a/query_bank_fresh_live/query6/query.json b/query_bank_fresh_live/query6/query.json
new file mode 100644
index 0000000000..ce54b0f459
--- /dev/null
+++ b/query_bank_fresh_live/query6/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 11:02 IST. If customer CUST_BCB9DBC8 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB6893443926, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query6/validate.py b/query_bank_fresh_live/query6/validate.py
new file mode 100644
index 0000000000..ea1b543c16
--- /dev/null
+++ b/query_bank_fresh_live/query6/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 6 (changed, 2026-07-02 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 4417000.61, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query7/ground_truth.csv b/query_bank_fresh_live/query7/ground_truth.csv
new file mode 100644
index 0000000000..d106f6bd56
--- /dev/null
+++ b/query_bank_fresh_live/query7/ground_truth.csv
@@ -0,0 +1 @@
+2067450.00
diff --git a/query_bank_fresh_live/query7/query.json b/query_bank_fresh_live/query7/query.json
new file mode 100644
index 0000000000..422a857ab4
--- /dev/null
+++ b/query_bank_fresh_live/query7/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 13:52 IST. What is the total available balance across all of customer CUST_DF7C394F's accounts right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query7/validate.py b/query_bank_fresh_live/query7/validate.py
new file mode 100644
index 0000000000..a9e64fefa1
--- /dev/null
+++ b/query_bank_fresh_live/query7/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 7 (changed, 2026-07-02 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 2067450.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query8/ground_truth.csv b/query_bank_fresh_live/query8/ground_truth.csv
new file mode 100644
index 0000000000..d243f6ab4a
--- /dev/null
+++ b/query_bank_fresh_live/query8/ground_truth.csv
@@ -0,0 +1 @@
+1500.00
diff --git a/query_bank_fresh_live/query8/query.json b/query_bank_fresh_live/query8/query.json
new file mode 100644
index 0000000000..16648ab3ba
--- /dev/null
+++ b/query_bank_fresh_live/query8/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 16:41 IST. What is the total amount debited today across all of customer CUST_AA80B2B9's accounts?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query8/validate.py b/query_bank_fresh_live/query8/validate.py
new file mode 100644
index 0000000000..59cc9b722f
--- /dev/null
+++ b/query_bank_fresh_live/query8/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 8 (changed, 2026-07-02 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 1500.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query9/ground_truth.csv b/query_bank_fresh_live/query9/ground_truth.csv
new file mode 100644
index 0000000000..dee79f1094
--- /dev/null
+++ b/query_bank_fresh_live/query9/ground_truth.csv
@@ -0,0 +1 @@
+114
diff --git a/query_bank_fresh_live/query9/query.json b/query_bank_fresh_live/query9/query.json
new file mode 100644
index 0000000000..3bba1f17e7
--- /dev/null
+++ b/query_bank_fresh_live/query9/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 19:30 IST. How many savings accounts have an available balance below ₹100,000 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_live/query9/validate.py b/query_bank_fresh_live/query9/validate.py
new file mode 100644
index 0000000000..52bb2f505d
--- /dev/null
+++ b/query_bank_fresh_live/query9/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 9 (portfolio, 2026-07-02 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['count', 114]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_live/query_dataset/bank_live_dump/bank_live/customer.bson b/query_bank_fresh_live/query_dataset/bank_live_dump/bank_live/customer.bson
new file mode 100644
index 0000000000..e81d90c4b0
--- /dev/null
+++ b/query_bank_fresh_live/query_dataset/bank_live_dump/bank_live/customer.bson
@@ -0,0 +1,3 @@
+version https://git-lfs.github.com/spec/v1
+oid sha256:a567e3a2e2ce64a5a3898a655a188ec42f9e3d204aae3596ff33e5fd7839617a
+size 4509194
diff --git a/query_bank_fresh_live/query_dataset/bank_live_dump/bank_live/customer.metadata.json b/query_bank_fresh_live/query_dataset/bank_live_dump/bank_live/customer.metadata.json
new file mode 100644
index 0000000000..edd60ae01f
--- /dev/null
+++ b/query_bank_fresh_live/query_dataset/bank_live_dump/bank_live/customer.metadata.json
@@ -0,0 +1 @@
+{"indexes": [{"v": 2, "key": {"_id": 1}, "name": "_id_"}], "collectionName": "customer", "type": "collection"}
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/db_config.yaml b/query_bank_fresh_warehouse/db_config.yaml
new file mode 100644
index 0000000000..13f7b8cc5f
--- /dev/null
+++ b/query_bank_fresh_warehouse/db_config.yaml
@@ -0,0 +1,5 @@
+db_clients:
+  bank_warehouse:
+    db_type: mongo
+    db_name: bank_warehouse
+    dump_folder: query_dataset/bank_warehouse_dump
diff --git a/query_bank_fresh_warehouse/db_description.txt b/query_bank_fresh_warehouse/db_description.txt
new file mode 100644
index 0000000000..fcf2c898c6
--- /dev/null
+++ b/query_bank_fresh_warehouse/db_description.txt
@@ -0,0 +1,39 @@
+You are working with one database, bank_warehouse, stored in MongoDB. Amounts are in Indian rupees (INR).
+
+bank_warehouse holds the consolidated state of one retail bank's customers in India, loaded once a night, at 00:00 IST, from the bank's core banking, cards, lending, payments, CRM and insurance systems. It does not include changes made in those systems since the last load. The `_meta` collection holds one document, whose `loaded_at` field is the date and time (IST) of the last load.
+
+Guarantees:
+- One document per customer, identified by `customer_id` (also its `_id`), e.g. CUST_35359B3E.
+- Every account, deposit, loan, card, mandate, insurance policy, service request and offer of the customer is embedded in that customer's document, and in no other document.
+- Account ids are the canonical ids (e.g. SB1785318658; SB = savings, CA = current). Every reference to an account (`linked_account`, `payout_account`, `source_account`, `account_id`) holds such an id, and it is always an account of the same customer.
+- card_id, deposit_id and loan_id are unique within a customer, not across customers.
+- Customer names, phone numbers and e-mail addresses are not unique.
+- Dates are ISO-8601 strings (YYYY-MM-DD; created_at includes the time).
+
+Collections in bank_warehouse:
+- customer: one document per customer
+  Fields: _id, customer_id
+  - profile: object
+    Fields: name, age, gender, senior_citizen, segment, profession, sector, employer, marital_status, monthly_income, kyc_status, email, phone
+    - communication_address, permanent_address: objects with fields line1, line2, city, state, pincode
+  - login_context: object with fields customer_id, linked_accounts (account ids), linked_products (deposit, loan and policy ids), linked_cards (card ids)
+  - accounts: array of savings and current accounts
+    Fields: account_id, account_type, status, ifsc, home_branch, holders (names, primary holder first), nominee (object with name, relationship; null if none), open_date, available_balance, hold_amount, currency
+    - transactions: array; fields reference_id, date, description, amount, direction, channel, balance_after
+    - cheques: array; fields cheque_number, status
+  - deposits: array of fixed deposits (kind FD) and recurring deposits (kind RD)
+    Fields: deposit_id, kind, principal (FD), rate, tenure_months, start_date, maturity_date, maturity_amount, payout_type (FD), maturity_instruction, status, payout_account, nominee (object), monthly_installment (RD), installments_paid (RD), total_deposited (RD), source_account (RD)
+  - loans: array of home, personal and gold loans
+    Fields: loan_id, loan_type, outstanding, rate, emi, remaining_tenure_months, next_due_date, status
+  - cards: array of debit and credit cards
+    Fields: card_id, card_type, network, status, credit_limit, available_limit, linked_account
+    - controls: object keyed by channel (atm, online, pos), then region (domestic, international); each holds enabled and, when set, daily_limit
+  - mandates: array of standing payment mandates that debit one of the customer's accounts
+    Fields: mandate_id, account_id, payee, amount, frequency, next_debit_date, status, type
+  - insurance: array of insurance policies
+    Fields: policy_id, policy_name, insurer, sum_assured, premium, frequency, status, next_premium_date, nominee (object)
+  - requests: array of service requests
+    Fields: request_id, category, description, related_transaction_id, account_id, status, priority, created_at, eta
+  - offers: array of product offers shown to the customer
+    Fields: offer_id, type, title, detail, indicative
+- _meta: one document; fields loaded_at
diff --git a/query_bank_fresh_warehouse/db_description_withhint.txt b/query_bank_fresh_warehouse/db_description_withhint.txt
new file mode 100644
index 0000000000..e69de29bb2
diff --git a/query_bank_fresh_warehouse/query1/ground_truth.csv b/query_bank_fresh_warehouse/query1/ground_truth.csv
new file mode 100644
index 0000000000..78f789d4f3
--- /dev/null
+++ b/query_bank_fresh_warehouse/query1/ground_truth.csv
@@ -0,0 +1 @@
+1113900.00
diff --git a/query_bank_fresh_warehouse/query1/query.json b/query_bank_fresh_warehouse/query1/query.json
new file mode 100644
index 0000000000..0c771ff880
--- /dev/null
+++ b/query_bank_fresh_warehouse/query1/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 08:13 IST. What is the available balance of account SB4516247616 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query1/validate.py b/query_bank_fresh_warehouse/query1/validate.py
new file mode 100644
index 0000000000..1e656414c7
--- /dev/null
+++ b/query_bank_fresh_warehouse/query1/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 1 (control, 2026-07-01 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 1113900.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query10/ground_truth.csv b/query_bank_fresh_warehouse/query10/ground_truth.csv
new file mode 100644
index 0000000000..e542a287a4
--- /dev/null
+++ b/query_bank_fresh_warehouse/query10/ground_truth.csv
@@ -0,0 +1 @@
+3158000.00
diff --git a/query_bank_fresh_warehouse/query10/query.json b/query_bank_fresh_warehouse/query10/query.json
new file mode 100644
index 0000000000..e88c3216d0
--- /dev/null
+++ b/query_bank_fresh_warehouse/query10/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 08:13 IST. What is the total available balance across all of customer CUST_7D3D21E0's accounts right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query10/validate.py b/query_bank_fresh_warehouse/query10/validate.py
new file mode 100644
index 0000000000..a53ae44290
--- /dev/null
+++ b/query_bank_fresh_warehouse/query10/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 10 (control, 2026-07-03 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 3158000.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query11/ground_truth.csv b/query_bank_fresh_warehouse/query11/ground_truth.csv
new file mode 100644
index 0000000000..0e019dbbda
--- /dev/null
+++ b/query_bank_fresh_warehouse/query11/ground_truth.csv
@@ -0,0 +1 @@
+756300.00
diff --git a/query_bank_fresh_warehouse/query11/query.json b/query_bank_fresh_warehouse/query11/query.json
new file mode 100644
index 0000000000..c1daa0b860
--- /dev/null
+++ b/query_bank_fresh_warehouse/query11/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 11:02 IST. What is the available balance of account SB7976773201 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query11/validate.py b/query_bank_fresh_warehouse/query11/validate.py
new file mode 100644
index 0000000000..b0ee12a7c8
--- /dev/null
+++ b/query_bank_fresh_warehouse/query11/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 11 (changed, 2026-07-03 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 756300.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query12/ground_truth.csv b/query_bank_fresh_warehouse/query12/ground_truth.csv
new file mode 100644
index 0000000000..363381d36b
--- /dev/null
+++ b/query_bank_fresh_warehouse/query12/ground_truth.csv
@@ -0,0 +1 @@
+TXN6357291692
diff --git a/query_bank_fresh_warehouse/query12/query.json b/query_bank_fresh_warehouse/query12/query.json
new file mode 100644
index 0000000000..6a610faae9
--- /dev/null
+++ b/query_bank_fresh_warehouse/query12/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 13:52 IST. What is the reference id of the most recent transaction on account SB5485032001?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query12/validate.py b/query_bank_fresh_warehouse/query12/validate.py
new file mode 100644
index 0000000000..ea87804062
--- /dev/null
+++ b/query_bank_fresh_warehouse/query12/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 12 (changed, 2026-07-03 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['ids', ['TXN6357291692']]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query13/ground_truth.csv b/query_bank_fresh_warehouse/query13/ground_truth.csv
new file mode 100644
index 0000000000..0cb95399a0
--- /dev/null
+++ b/query_bank_fresh_warehouse/query13/ground_truth.csv
@@ -0,0 +1 @@
+136960.88
diff --git a/query_bank_fresh_warehouse/query13/query.json b/query_bank_fresh_warehouse/query13/query.json
new file mode 100644
index 0000000000..497b47a94d
--- /dev/null
+++ b/query_bank_fresh_warehouse/query13/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 16:41 IST. If customer CUST_6F969BE4 paid one EMI on each of their loans from savings account SB5758306466, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query13/validate.py b/query_bank_fresh_warehouse/query13/validate.py
new file mode 100644
index 0000000000..255dd98452
--- /dev/null
+++ b/query_bank_fresh_warehouse/query13/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 13 (changed, 2026-07-03 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 136960.88, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query14/ground_truth.csv b/query_bank_fresh_warehouse/query14/ground_truth.csv
new file mode 100644
index 0000000000..e709b73697
--- /dev/null
+++ b/query_bank_fresh_warehouse/query14/ground_truth.csv
@@ -0,0 +1 @@
+528339.00
diff --git a/query_bank_fresh_warehouse/query14/query.json b/query_bank_fresh_warehouse/query14/query.json
new file mode 100644
index 0000000000..5ef48d8f9c
--- /dev/null
+++ b/query_bank_fresh_warehouse/query14/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 19:30 IST. If customer CUST_8E3C686D paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB9191228734, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query14/validate.py b/query_bank_fresh_warehouse/query14/validate.py
new file mode 100644
index 0000000000..ac1f82464f
--- /dev/null
+++ b/query_bank_fresh_warehouse/query14/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 14 (changed, 2026-07-03 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 528339.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query15/ground_truth.csv b/query_bank_fresh_warehouse/query15/ground_truth.csv
new file mode 100644
index 0000000000..6a32be5b2f
--- /dev/null
+++ b/query_bank_fresh_warehouse/query15/ground_truth.csv
@@ -0,0 +1 @@
+80153.00
diff --git a/query_bank_fresh_warehouse/query15/query.json b/query_bank_fresh_warehouse/query15/query.json
new file mode 100644
index 0000000000..fe5103c463
--- /dev/null
+++ b/query_bank_fresh_warehouse/query15/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 08:13 IST. If customer CUST_32F18A29 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB7245427885, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query15/validate.py b/query_bank_fresh_warehouse/query15/validate.py
new file mode 100644
index 0000000000..c8966558b3
--- /dev/null
+++ b/query_bank_fresh_warehouse/query15/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 15 (control, 2026-07-04 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 80153.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query16/ground_truth.csv b/query_bank_fresh_warehouse/query16/ground_truth.csv
new file mode 100644
index 0000000000..cdb42e6e22
--- /dev/null
+++ b/query_bank_fresh_warehouse/query16/ground_truth.csv
@@ -0,0 +1 @@
+835150.00
diff --git a/query_bank_fresh_warehouse/query16/query.json b/query_bank_fresh_warehouse/query16/query.json
new file mode 100644
index 0000000000..475e67eea7
--- /dev/null
+++ b/query_bank_fresh_warehouse/query16/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 11:02 IST. What is the total available balance across all of customer CUST_1ED630F6's accounts right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query16/validate.py b/query_bank_fresh_warehouse/query16/validate.py
new file mode 100644
index 0000000000..68d153d07d
--- /dev/null
+++ b/query_bank_fresh_warehouse/query16/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 16 (changed, 2026-07-04 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 835150.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query17/ground_truth.csv b/query_bank_fresh_warehouse/query17/ground_truth.csv
new file mode 100644
index 0000000000..ef79ffa647
--- /dev/null
+++ b/query_bank_fresh_warehouse/query17/ground_truth.csv
@@ -0,0 +1 @@
+2500.00
diff --git a/query_bank_fresh_warehouse/query17/query.json b/query_bank_fresh_warehouse/query17/query.json
new file mode 100644
index 0000000000..4228c658f7
--- /dev/null
+++ b/query_bank_fresh_warehouse/query17/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 13:52 IST. What is the total amount debited today across all of customer CUST_56175C3A's accounts?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query17/validate.py b/query_bank_fresh_warehouse/query17/validate.py
new file mode 100644
index 0000000000..39c25399a7
--- /dev/null
+++ b/query_bank_fresh_warehouse/query17/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 17 (changed, 2026-07-04 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 2500.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query18/ground_truth.csv b/query_bank_fresh_warehouse/query18/ground_truth.csv
new file mode 100644
index 0000000000..05ea371411
--- /dev/null
+++ b/query_bank_fresh_warehouse/query18/ground_truth.csv
@@ -0,0 +1 @@
+310000.00
diff --git a/query_bank_fresh_warehouse/query18/query.json b/query_bank_fresh_warehouse/query18/query.json
new file mode 100644
index 0000000000..8b004f6b14
--- /dev/null
+++ b/query_bank_fresh_warehouse/query18/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 16:41 IST. What is the available balance of account SB2888459069 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query18/validate.py b/query_bank_fresh_warehouse/query18/validate.py
new file mode 100644
index 0000000000..cfe60ceb17
--- /dev/null
+++ b/query_bank_fresh_warehouse/query18/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 18 (changed, 2026-07-04 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 310000.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query19/ground_truth.csv b/query_bank_fresh_warehouse/query19/ground_truth.csv
new file mode 100644
index 0000000000..365169858d
--- /dev/null
+++ b/query_bank_fresh_warehouse/query19/ground_truth.csv
@@ -0,0 +1 @@
+485201126.00
diff --git a/query_bank_fresh_warehouse/query19/query.json b/query_bank_fresh_warehouse/query19/query.json
new file mode 100644
index 0000000000..9ec362ef77
--- /dev/null
+++ b/query_bank_fresh_warehouse/query19/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 19:30 IST. What is the total available balance right now across all accounts of customers in the HNI segment?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query19/validate.py b/query_bank_fresh_warehouse/query19/validate.py
new file mode 100644
index 0000000000..37d1bdc228
--- /dev/null
+++ b/query_bank_fresh_warehouse/query19/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 19 (portfolio, 2026-07-04 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 485201126.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query2/ground_truth.csv b/query_bank_fresh_warehouse/query2/ground_truth.csv
new file mode 100644
index 0000000000..995d3c3e9f
--- /dev/null
+++ b/query_bank_fresh_warehouse/query2/ground_truth.csv
@@ -0,0 +1 @@
+161700.00
diff --git a/query_bank_fresh_warehouse/query2/query.json b/query_bank_fresh_warehouse/query2/query.json
new file mode 100644
index 0000000000..3df83dad5e
--- /dev/null
+++ b/query_bank_fresh_warehouse/query2/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 13:52 IST. What is the available balance of account SB5033530740 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query2/validate.py b/query_bank_fresh_warehouse/query2/validate.py
new file mode 100644
index 0000000000..6f62130655
--- /dev/null
+++ b/query_bank_fresh_warehouse/query2/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 2 (changed, 2026-07-01 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 161700.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query20/ground_truth.csv b/query_bank_fresh_warehouse/query20/ground_truth.csv
new file mode 100644
index 0000000000..b1e1ce97bc
--- /dev/null
+++ b/query_bank_fresh_warehouse/query20/ground_truth.csv
@@ -0,0 +1 @@
+2320000.00
diff --git a/query_bank_fresh_warehouse/query20/query.json b/query_bank_fresh_warehouse/query20/query.json
new file mode 100644
index 0000000000..8add06cd1b
--- /dev/null
+++ b/query_bank_fresh_warehouse/query20/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 08:13 IST. What is the available balance of account SB4296331449 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query20/validate.py b/query_bank_fresh_warehouse/query20/validate.py
new file mode 100644
index 0000000000..7b9dda5dab
--- /dev/null
+++ b/query_bank_fresh_warehouse/query20/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 20 (control, 2026-07-05 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 2320000.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query21/ground_truth.csv b/query_bank_fresh_warehouse/query21/ground_truth.csv
new file mode 100644
index 0000000000..3c149b5448
--- /dev/null
+++ b/query_bank_fresh_warehouse/query21/ground_truth.csv
@@ -0,0 +1 @@
+TXN9109712686
diff --git a/query_bank_fresh_warehouse/query21/query.json b/query_bank_fresh_warehouse/query21/query.json
new file mode 100644
index 0000000000..15fad14309
--- /dev/null
+++ b/query_bank_fresh_warehouse/query21/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 11:02 IST. What is the reference id of the most recent transaction on account SB4264623376?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query21/validate.py b/query_bank_fresh_warehouse/query21/validate.py
new file mode 100644
index 0000000000..837cf914ce
--- /dev/null
+++ b/query_bank_fresh_warehouse/query21/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 21 (changed, 2026-07-05 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['ids', ['TXN9109712686']]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query22/ground_truth.csv b/query_bank_fresh_warehouse/query22/ground_truth.csv
new file mode 100644
index 0000000000..a821e5171b
--- /dev/null
+++ b/query_bank_fresh_warehouse/query22/ground_truth.csv
@@ -0,0 +1 @@
+140454.43
diff --git a/query_bank_fresh_warehouse/query22/query.json b/query_bank_fresh_warehouse/query22/query.json
new file mode 100644
index 0000000000..52e0e60a8b
--- /dev/null
+++ b/query_bank_fresh_warehouse/query22/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 13:52 IST. If customer CUST_5EADA1BF paid one EMI on each of their loans from savings account SB8898036836, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query22/validate.py b/query_bank_fresh_warehouse/query22/validate.py
new file mode 100644
index 0000000000..3dd71b1ac6
--- /dev/null
+++ b/query_bank_fresh_warehouse/query22/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 22 (changed, 2026-07-05 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 140454.43, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query23/ground_truth.csv b/query_bank_fresh_warehouse/query23/ground_truth.csv
new file mode 100644
index 0000000000..40490233b3
--- /dev/null
+++ b/query_bank_fresh_warehouse/query23/ground_truth.csv
@@ -0,0 +1 @@
+430557.41
diff --git a/query_bank_fresh_warehouse/query23/query.json b/query_bank_fresh_warehouse/query23/query.json
new file mode 100644
index 0000000000..8869a548f1
--- /dev/null
+++ b/query_bank_fresh_warehouse/query23/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 16:41 IST. If customer CUST_4EE77D9E paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB4424348037, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query23/validate.py b/query_bank_fresh_warehouse/query23/validate.py
new file mode 100644
index 0000000000..7dad841a5b
--- /dev/null
+++ b/query_bank_fresh_warehouse/query23/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 23 (changed, 2026-07-05 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 430557.41, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query24/ground_truth.csv b/query_bank_fresh_warehouse/query24/ground_truth.csv
new file mode 100644
index 0000000000..e89be4812f
--- /dev/null
+++ b/query_bank_fresh_warehouse/query24/ground_truth.csv
@@ -0,0 +1 @@
+1932499.00
diff --git a/query_bank_fresh_warehouse/query24/query.json b/query_bank_fresh_warehouse/query24/query.json
new file mode 100644
index 0000000000..0c32b7f2e2
--- /dev/null
+++ b/query_bank_fresh_warehouse/query24/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 19:30 IST. What is the total available balance across all of customer CUST_78CA155D's accounts right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query24/validate.py b/query_bank_fresh_warehouse/query24/validate.py
new file mode 100644
index 0000000000..9c60fbeaec
--- /dev/null
+++ b/query_bank_fresh_warehouse/query24/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 24 (control, 2026-07-05 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 1932499.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query25/ground_truth.csv b/query_bank_fresh_warehouse/query25/ground_truth.csv
new file mode 100644
index 0000000000..caf1c06105
--- /dev/null
+++ b/query_bank_fresh_warehouse/query25/ground_truth.csv
@@ -0,0 +1 @@
+47350.00
diff --git a/query_bank_fresh_warehouse/query25/query.json b/query_bank_fresh_warehouse/query25/query.json
new file mode 100644
index 0000000000..b75f77e233
--- /dev/null
+++ b/query_bank_fresh_warehouse/query25/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 08:13 IST. What is customer CUST_4E25D87F's total spending power right now: the available balance across all of their accounts plus the available limit on their active credit cards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query25/validate.py b/query_bank_fresh_warehouse/query25/validate.py
new file mode 100644
index 0000000000..c88668c03a
--- /dev/null
+++ b/query_bank_fresh_warehouse/query25/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 25 (control, 2026-07-01 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 47350.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query26/ground_truth.csv b/query_bank_fresh_warehouse/query26/ground_truth.csv
new file mode 100644
index 0000000000..10f27ef025
--- /dev/null
+++ b/query_bank_fresh_warehouse/query26/ground_truth.csv
@@ -0,0 +1 @@
+139900.00
diff --git a/query_bank_fresh_warehouse/query26/query.json b/query_bank_fresh_warehouse/query26/query.json
new file mode 100644
index 0000000000..ca84340289
--- /dev/null
+++ b/query_bank_fresh_warehouse/query26/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 13:52 IST. If each active payment mandate on customer CUST_DCCD6EFD's savings account SB5785868040 debited once, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query26/validate.py b/query_bank_fresh_warehouse/query26/validate.py
new file mode 100644
index 0000000000..d674b5a6bf
--- /dev/null
+++ b/query_bank_fresh_warehouse/query26/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 26 (changed, 2026-07-01 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 139900.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query27/ground_truth.csv b/query_bank_fresh_warehouse/query27/ground_truth.csv
new file mode 100644
index 0000000000..587225227f
--- /dev/null
+++ b/query_bank_fresh_warehouse/query27/ground_truth.csv
@@ -0,0 +1 @@
+280000.00
diff --git a/query_bank_fresh_warehouse/query27/query.json b/query_bank_fresh_warehouse/query27/query.json
new file mode 100644
index 0000000000..4053f16eed
--- /dev/null
+++ b/query_bank_fresh_warehouse/query27/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 16:41 IST. What is customer CUST_9748C87C's total spending power right now: the available balance across all of their accounts plus the available limit on their active credit cards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query27/validate.py b/query_bank_fresh_warehouse/query27/validate.py
new file mode 100644
index 0000000000..2834aa8edd
--- /dev/null
+++ b/query_bank_fresh_warehouse/query27/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 27 (changed, 2026-07-01 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 280000.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query28/ground_truth.csv b/query_bank_fresh_warehouse/query28/ground_truth.csv
new file mode 100644
index 0000000000..fd630f9569
--- /dev/null
+++ b/query_bank_fresh_warehouse/query28/ground_truth.csv
@@ -0,0 +1 @@
+308952798.00
diff --git a/query_bank_fresh_warehouse/query28/query.json b/query_bank_fresh_warehouse/query28/query.json
new file mode 100644
index 0000000000..6d56b71233
--- /dev/null
+++ b/query_bank_fresh_warehouse/query28/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 19:30 IST. What is the total available balance right now across all accounts of customers in the AFFLUENT segment?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query28/validate.py b/query_bank_fresh_warehouse/query28/validate.py
new file mode 100644
index 0000000000..c272224254
--- /dev/null
+++ b/query_bank_fresh_warehouse/query28/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 28 (portfolio, 2026-07-01 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 308952798.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query29/ground_truth.csv b/query_bank_fresh_warehouse/query29/ground_truth.csv
new file mode 100644
index 0000000000..0e7ed6b5a0
--- /dev/null
+++ b/query_bank_fresh_warehouse/query29/ground_truth.csv
@@ -0,0 +1 @@
+67466.67
diff --git a/query_bank_fresh_warehouse/query29/query.json b/query_bank_fresh_warehouse/query29/query.json
new file mode 100644
index 0000000000..b31e828b60
--- /dev/null
+++ b/query_bank_fresh_warehouse/query29/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 08:13 IST. What is customer CUST_1F860D07's net position right now: the total available balance across all of their accounts minus the total outstanding on their loans?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query29/validate.py b/query_bank_fresh_warehouse/query29/validate.py
new file mode 100644
index 0000000000..4994252bc2
--- /dev/null
+++ b/query_bank_fresh_warehouse/query29/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 29 (control, 2026-07-02 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 67466.67, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query3/ground_truth.csv b/query_bank_fresh_warehouse/query3/ground_truth.csv
new file mode 100644
index 0000000000..cd1f24fdf7
--- /dev/null
+++ b/query_bank_fresh_warehouse/query3/ground_truth.csv
@@ -0,0 +1 @@
+TXN2430659475
diff --git a/query_bank_fresh_warehouse/query3/query.json b/query_bank_fresh_warehouse/query3/query.json
new file mode 100644
index 0000000000..1f1dd3d33e
--- /dev/null
+++ b/query_bank_fresh_warehouse/query3/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 16:41 IST. What is the reference id of the most recent transaction on account SB7252994408?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query3/validate.py b/query_bank_fresh_warehouse/query3/validate.py
new file mode 100644
index 0000000000..0b15175f9a
--- /dev/null
+++ b/query_bank_fresh_warehouse/query3/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 3 (changed, 2026-07-01 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['ids', ['TXN2430659475']]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query30/ground_truth.csv b/query_bank_fresh_warehouse/query30/ground_truth.csv
new file mode 100644
index 0000000000..08bdd6ed2d
--- /dev/null
+++ b/query_bank_fresh_warehouse/query30/ground_truth.csv
@@ -0,0 +1 @@
+34083.33
diff --git a/query_bank_fresh_warehouse/query30/query.json b/query_bank_fresh_warehouse/query30/query.json
new file mode 100644
index 0000000000..82ff801596
--- /dev/null
+++ b/query_bank_fresh_warehouse/query30/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 11:02 IST. What is customer CUST_EA27E8B4's net position right now: the total available balance across all of their accounts minus the total outstanding on their loans?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query30/validate.py b/query_bank_fresh_warehouse/query30/validate.py
new file mode 100644
index 0000000000..cd09472a72
--- /dev/null
+++ b/query_bank_fresh_warehouse/query30/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 30 (changed, 2026-07-02 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 34083.33, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query31/ground_truth.csv b/query_bank_fresh_warehouse/query31/ground_truth.csv
new file mode 100644
index 0000000000..60ec8d8548
--- /dev/null
+++ b/query_bank_fresh_warehouse/query31/ground_truth.csv
@@ -0,0 +1 @@
+403639.00
diff --git a/query_bank_fresh_warehouse/query31/query.json b/query_bank_fresh_warehouse/query31/query.json
new file mode 100644
index 0000000000..3077960bde
--- /dev/null
+++ b/query_bank_fresh_warehouse/query31/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 13:52 IST. If customer CUST_2A1921A5 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB8372064494, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query31/validate.py b/query_bank_fresh_warehouse/query31/validate.py
new file mode 100644
index 0000000000..dcd6cd6a0a
--- /dev/null
+++ b/query_bank_fresh_warehouse/query31/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 31 (changed, 2026-07-02 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 403639.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query32/ground_truth.csv b/query_bank_fresh_warehouse/query32/ground_truth.csv
new file mode 100644
index 0000000000..32f2689200
--- /dev/null
+++ b/query_bank_fresh_warehouse/query32/ground_truth.csv
@@ -0,0 +1 @@
+120873.66
diff --git a/query_bank_fresh_warehouse/query32/query.json b/query_bank_fresh_warehouse/query32/query.json
new file mode 100644
index 0000000000..752e4c9a8e
--- /dev/null
+++ b/query_bank_fresh_warehouse/query32/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 16:41 IST. If customer CUST_9DDDDED0 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB3099693324, and each active payment mandate on that account also debited once, what would its available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query32/validate.py b/query_bank_fresh_warehouse/query32/validate.py
new file mode 100644
index 0000000000..dd129a3185
--- /dev/null
+++ b/query_bank_fresh_warehouse/query32/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 32 (changed, 2026-07-02 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 120873.66, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query33/ground_truth.csv b/query_bank_fresh_warehouse/query33/ground_truth.csv
new file mode 100644
index 0000000000..48a6b1a25d
--- /dev/null
+++ b/query_bank_fresh_warehouse/query33/ground_truth.csv
@@ -0,0 +1 @@
+202968279.00
diff --git a/query_bank_fresh_warehouse/query33/query.json b/query_bank_fresh_warehouse/query33/query.json
new file mode 100644
index 0000000000..82adc5ff55
--- /dev/null
+++ b/query_bank_fresh_warehouse/query33/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 19:30 IST. What is the total available balance right now across all accounts of customers who have a home loan?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query33/validate.py b/query_bank_fresh_warehouse/query33/validate.py
new file mode 100644
index 0000000000..869ef0296a
--- /dev/null
+++ b/query_bank_fresh_warehouse/query33/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 33 (portfolio, 2026-07-02 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 202968279.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query34/ground_truth.csv b/query_bank_fresh_warehouse/query34/ground_truth.csv
new file mode 100644
index 0000000000..722a406418
--- /dev/null
+++ b/query_bank_fresh_warehouse/query34/ground_truth.csv
@@ -0,0 +1 @@
+183551.00
diff --git a/query_bank_fresh_warehouse/query34/query.json b/query_bank_fresh_warehouse/query34/query.json
new file mode 100644
index 0000000000..8c08ff10d2
--- /dev/null
+++ b/query_bank_fresh_warehouse/query34/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 08:13 IST. If each active payment mandate on customer CUST_28F3840A's savings account SB7794504323 debited once, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query34/validate.py b/query_bank_fresh_warehouse/query34/validate.py
new file mode 100644
index 0000000000..7effed94eb
--- /dev/null
+++ b/query_bank_fresh_warehouse/query34/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 34 (control, 2026-07-03 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 183551.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query35/ground_truth.csv b/query_bank_fresh_warehouse/query35/ground_truth.csv
new file mode 100644
index 0000000000..694cb7a792
--- /dev/null
+++ b/query_bank_fresh_warehouse/query35/ground_truth.csv
@@ -0,0 +1 @@
+143500.00
diff --git a/query_bank_fresh_warehouse/query35/query.json b/query_bank_fresh_warehouse/query35/query.json
new file mode 100644
index 0000000000..f6500ed85f
--- /dev/null
+++ b/query_bank_fresh_warehouse/query35/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 11:02 IST. If each active payment mandate on customer CUST_61FB84EA's savings account SB1858255549 debited once, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query35/validate.py b/query_bank_fresh_warehouse/query35/validate.py
new file mode 100644
index 0000000000..c3cd34ac4d
--- /dev/null
+++ b/query_bank_fresh_warehouse/query35/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 35 (changed, 2026-07-03 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 143500.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query36/ground_truth.csv b/query_bank_fresh_warehouse/query36/ground_truth.csv
new file mode 100644
index 0000000000..2970187dbd
--- /dev/null
+++ b/query_bank_fresh_warehouse/query36/ground_truth.csv
@@ -0,0 +1 @@
+881699.00
diff --git a/query_bank_fresh_warehouse/query36/query.json b/query_bank_fresh_warehouse/query36/query.json
new file mode 100644
index 0000000000..970f06809b
--- /dev/null
+++ b/query_bank_fresh_warehouse/query36/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 13:52 IST. What is customer CUST_391D8014's total spending power right now: the available balance across all of their accounts plus the available limit on their active credit cards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query36/validate.py b/query_bank_fresh_warehouse/query36/validate.py
new file mode 100644
index 0000000000..db061d45c0
--- /dev/null
+++ b/query_bank_fresh_warehouse/query36/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 36 (changed, 2026-07-03 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 881699.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query37/ground_truth.csv b/query_bank_fresh_warehouse/query37/ground_truth.csv
new file mode 100644
index 0000000000..5b2284991c
--- /dev/null
+++ b/query_bank_fresh_warehouse/query37/ground_truth.csv
@@ -0,0 +1 @@
+445366.67
diff --git a/query_bank_fresh_warehouse/query37/query.json b/query_bank_fresh_warehouse/query37/query.json
new file mode 100644
index 0000000000..698473bcd2
--- /dev/null
+++ b/query_bank_fresh_warehouse/query37/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 16:41 IST. What is customer CUST_9DC0DFB2's net position right now: the total available balance across all of their accounts minus the total outstanding on their loans?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query37/validate.py b/query_bank_fresh_warehouse/query37/validate.py
new file mode 100644
index 0000000000..cb073f81b1
--- /dev/null
+++ b/query_bank_fresh_warehouse/query37/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 37 (changed, 2026-07-03 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 445366.67, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query38/ground_truth.csv b/query_bank_fresh_warehouse/query38/ground_truth.csv
new file mode 100644
index 0000000000..0801b690e9
--- /dev/null
+++ b/query_bank_fresh_warehouse/query38/ground_truth.csv
@@ -0,0 +1 @@
+519083893.00
diff --git a/query_bank_fresh_warehouse/query38/query.json b/query_bank_fresh_warehouse/query38/query.json
new file mode 100644
index 0000000000..14cceff7ec
--- /dev/null
+++ b/query_bank_fresh_warehouse/query38/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-03 19:30 IST. What is the total available balance right now across all accounts that have at least one active payment mandate?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query38/validate.py b/query_bank_fresh_warehouse/query38/validate.py
new file mode 100644
index 0000000000..ae564e592e
--- /dev/null
+++ b/query_bank_fresh_warehouse/query38/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 38 (portfolio, 2026-07-03 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 519083893.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query39/ground_truth.csv b/query_bank_fresh_warehouse/query39/ground_truth.csv
new file mode 100644
index 0000000000..7eba0cf950
--- /dev/null
+++ b/query_bank_fresh_warehouse/query39/ground_truth.csv
@@ -0,0 +1 @@
+70445.32
diff --git a/query_bank_fresh_warehouse/query39/query.json b/query_bank_fresh_warehouse/query39/query.json
new file mode 100644
index 0000000000..f09c6b5494
--- /dev/null
+++ b/query_bank_fresh_warehouse/query39/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 08:13 IST. If customer CUST_6879A3F6 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB1593303391, and each active payment mandate on that account also debited once, what would its available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query39/validate.py b/query_bank_fresh_warehouse/query39/validate.py
new file mode 100644
index 0000000000..cf669a29f8
--- /dev/null
+++ b/query_bank_fresh_warehouse/query39/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 39 (control, 2026-07-04 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 70445.32, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query4/ground_truth.csv b/query_bank_fresh_warehouse/query4/ground_truth.csv
new file mode 100644
index 0000000000..5a7784c5cc
--- /dev/null
+++ b/query_bank_fresh_warehouse/query4/ground_truth.csv
@@ -0,0 +1 @@
+3604915.29
diff --git a/query_bank_fresh_warehouse/query4/query.json b/query_bank_fresh_warehouse/query4/query.json
new file mode 100644
index 0000000000..fe348d5bbb
--- /dev/null
+++ b/query_bank_fresh_warehouse/query4/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-01 19:30 IST. If customer CUST_E851F10B paid one EMI on each of their loans from savings account SB9164216373, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query4/validate.py b/query_bank_fresh_warehouse/query4/validate.py
new file mode 100644
index 0000000000..8c237d40d1
--- /dev/null
+++ b/query_bank_fresh_warehouse/query4/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 4 (changed, 2026-07-01 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 3604915.29, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query40/ground_truth.csv b/query_bank_fresh_warehouse/query40/ground_truth.csv
new file mode 100644
index 0000000000..1f24b478b9
--- /dev/null
+++ b/query_bank_fresh_warehouse/query40/ground_truth.csv
@@ -0,0 +1 @@
+48545.32
diff --git a/query_bank_fresh_warehouse/query40/query.json b/query_bank_fresh_warehouse/query40/query.json
new file mode 100644
index 0000000000..707c47b4a1
--- /dev/null
+++ b/query_bank_fresh_warehouse/query40/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 11:02 IST. If customer CUST_FC8C7D56 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB6498266930, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query40/validate.py b/query_bank_fresh_warehouse/query40/validate.py
new file mode 100644
index 0000000000..f388740fcd
--- /dev/null
+++ b/query_bank_fresh_warehouse/query40/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 40 (changed, 2026-07-04 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 48545.32, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query41/ground_truth.csv b/query_bank_fresh_warehouse/query41/ground_truth.csv
new file mode 100644
index 0000000000..49697cc67d
--- /dev/null
+++ b/query_bank_fresh_warehouse/query41/ground_truth.csv
@@ -0,0 +1 @@
+88948.00
diff --git a/query_bank_fresh_warehouse/query41/query.json b/query_bank_fresh_warehouse/query41/query.json
new file mode 100644
index 0000000000..8865e505b7
--- /dev/null
+++ b/query_bank_fresh_warehouse/query41/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 13:52 IST. If customer CUST_4144C785 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB3287701469, and each active payment mandate on that account also debited once, what would its available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query41/validate.py b/query_bank_fresh_warehouse/query41/validate.py
new file mode 100644
index 0000000000..878078d110
--- /dev/null
+++ b/query_bank_fresh_warehouse/query41/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 41 (changed, 2026-07-04 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 88948.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query42/ground_truth.csv b/query_bank_fresh_warehouse/query42/ground_truth.csv
new file mode 100644
index 0000000000..77b4cef3de
--- /dev/null
+++ b/query_bank_fresh_warehouse/query42/ground_truth.csv
@@ -0,0 +1 @@
+142201.00
diff --git a/query_bank_fresh_warehouse/query42/query.json b/query_bank_fresh_warehouse/query42/query.json
new file mode 100644
index 0000000000..2a0acb6e36
--- /dev/null
+++ b/query_bank_fresh_warehouse/query42/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 16:41 IST. If each active payment mandate on customer CUST_04F2A910's savings account SB8054014323 debited once, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query42/validate.py b/query_bank_fresh_warehouse/query42/validate.py
new file mode 100644
index 0000000000..c3097fff4f
--- /dev/null
+++ b/query_bank_fresh_warehouse/query42/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 42 (changed, 2026-07-04 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 142201.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query43/ground_truth.csv b/query_bank_fresh_warehouse/query43/ground_truth.csv
new file mode 100644
index 0000000000..8258f79321
--- /dev/null
+++ b/query_bank_fresh_warehouse/query43/ground_truth.csv
@@ -0,0 +1 @@
+306901271.00
diff --git a/query_bank_fresh_warehouse/query43/query.json b/query_bank_fresh_warehouse/query43/query.json
new file mode 100644
index 0000000000..50a8344aad
--- /dev/null
+++ b/query_bank_fresh_warehouse/query43/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-04 19:30 IST. What is the total available balance right now across all accounts of customers who hold an active credit card?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query43/validate.py b/query_bank_fresh_warehouse/query43/validate.py
new file mode 100644
index 0000000000..545586a4fb
--- /dev/null
+++ b/query_bank_fresh_warehouse/query43/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 43 (portfolio, 2026-07-04 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 306901271.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query44/ground_truth.csv b/query_bank_fresh_warehouse/query44/ground_truth.csv
new file mode 100644
index 0000000000..95582d5111
--- /dev/null
+++ b/query_bank_fresh_warehouse/query44/ground_truth.csv
@@ -0,0 +1 @@
+28355.00
diff --git a/query_bank_fresh_warehouse/query44/query.json b/query_bank_fresh_warehouse/query44/query.json
new file mode 100644
index 0000000000..763840b779
--- /dev/null
+++ b/query_bank_fresh_warehouse/query44/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 08:13 IST. If customer CUST_B3B7F46B paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB2953313427, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query44/validate.py b/query_bank_fresh_warehouse/query44/validate.py
new file mode 100644
index 0000000000..ef717c02f0
--- /dev/null
+++ b/query_bank_fresh_warehouse/query44/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 44 (control, 2026-07-05 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 28355.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query45/ground_truth.csv b/query_bank_fresh_warehouse/query45/ground_truth.csv
new file mode 100644
index 0000000000..4ce6527881
--- /dev/null
+++ b/query_bank_fresh_warehouse/query45/ground_truth.csv
@@ -0,0 +1 @@
+557700.00
diff --git a/query_bank_fresh_warehouse/query45/query.json b/query_bank_fresh_warehouse/query45/query.json
new file mode 100644
index 0000000000..3852f6d7dd
--- /dev/null
+++ b/query_bank_fresh_warehouse/query45/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 11:02 IST. What is customer CUST_7EED3375's total spending power right now: the available balance across all of their accounts plus the available limit on their active credit cards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query45/validate.py b/query_bank_fresh_warehouse/query45/validate.py
new file mode 100644
index 0000000000..76f42e0852
--- /dev/null
+++ b/query_bank_fresh_warehouse/query45/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 45 (changed, 2026-07-05 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 557700.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query46/ground_truth.csv b/query_bank_fresh_warehouse/query46/ground_truth.csv
new file mode 100644
index 0000000000..dd964e4275
--- /dev/null
+++ b/query_bank_fresh_warehouse/query46/ground_truth.csv
@@ -0,0 +1 @@
+1886966.67
diff --git a/query_bank_fresh_warehouse/query46/query.json b/query_bank_fresh_warehouse/query46/query.json
new file mode 100644
index 0000000000..b518015bca
--- /dev/null
+++ b/query_bank_fresh_warehouse/query46/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 13:52 IST. What is customer CUST_67CFC696's net position right now: the total available balance across all of their accounts minus the total outstanding on their loans?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query46/validate.py b/query_bank_fresh_warehouse/query46/validate.py
new file mode 100644
index 0000000000..2d39fd6d88
--- /dev/null
+++ b/query_bank_fresh_warehouse/query46/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 46 (changed, 2026-07-05 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 1886966.67, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query47/ground_truth.csv b/query_bank_fresh_warehouse/query47/ground_truth.csv
new file mode 100644
index 0000000000..843dc525aa
--- /dev/null
+++ b/query_bank_fresh_warehouse/query47/ground_truth.csv
@@ -0,0 +1 @@
+494839.00
diff --git a/query_bank_fresh_warehouse/query47/query.json b/query_bank_fresh_warehouse/query47/query.json
new file mode 100644
index 0000000000..873f9280e2
--- /dev/null
+++ b/query_bank_fresh_warehouse/query47/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 16:41 IST. If customer CUST_8E3C686D paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB9191228734, and each active payment mandate on that account also debited once, what would its available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query47/validate.py b/query_bank_fresh_warehouse/query47/validate.py
new file mode 100644
index 0000000000..6fb5093936
--- /dev/null
+++ b/query_bank_fresh_warehouse/query47/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 47 (changed, 2026-07-05 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 494839.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query48/ground_truth.csv b/query_bank_fresh_warehouse/query48/ground_truth.csv
new file mode 100644
index 0000000000..46ba39807b
--- /dev/null
+++ b/query_bank_fresh_warehouse/query48/ground_truth.csv
@@ -0,0 +1 @@
+298000.00
diff --git a/query_bank_fresh_warehouse/query48/query.json b/query_bank_fresh_warehouse/query48/query.json
new file mode 100644
index 0000000000..50d6085d20
--- /dev/null
+++ b/query_bank_fresh_warehouse/query48/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-05 19:30 IST. What is customer CUST_58826F08's total spending power right now: the available balance across all of their accounts plus the available limit on their active credit cards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query48/validate.py b/query_bank_fresh_warehouse/query48/validate.py
new file mode 100644
index 0000000000..0e3e8fd887
--- /dev/null
+++ b/query_bank_fresh_warehouse/query48/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 48 (control, 2026-07-05 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 298000.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query5/ground_truth.csv b/query_bank_fresh_warehouse/query5/ground_truth.csv
new file mode 100644
index 0000000000..3ae3a65e32
--- /dev/null
+++ b/query_bank_fresh_warehouse/query5/ground_truth.csv
@@ -0,0 +1 @@
+147663.00
diff --git a/query_bank_fresh_warehouse/query5/query.json b/query_bank_fresh_warehouse/query5/query.json
new file mode 100644
index 0000000000..8181ce02a2
--- /dev/null
+++ b/query_bank_fresh_warehouse/query5/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 08:13 IST. If customer CUST_3F30CB5B paid one EMI on each of their loans from savings account SB2428838822, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query5/validate.py b/query_bank_fresh_warehouse/query5/validate.py
new file mode 100644
index 0000000000..d14269fadc
--- /dev/null
+++ b/query_bank_fresh_warehouse/query5/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 5 (control, 2026-07-02 08:13). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 147663.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query6/ground_truth.csv b/query_bank_fresh_warehouse/query6/ground_truth.csv
new file mode 100644
index 0000000000..54dfcc8525
--- /dev/null
+++ b/query_bank_fresh_warehouse/query6/ground_truth.csv
@@ -0,0 +1 @@
+4417000.61
diff --git a/query_bank_fresh_warehouse/query6/query.json b/query_bank_fresh_warehouse/query6/query.json
new file mode 100644
index 0000000000..ce54b0f459
--- /dev/null
+++ b/query_bank_fresh_warehouse/query6/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 11:02 IST. If customer CUST_BCB9DBC8 paid one EMI on each of their loans and one premium on each of their insurance policies from savings account SB6893443926, what would that account's available balance be afterwards?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query6/validate.py b/query_bank_fresh_warehouse/query6/validate.py
new file mode 100644
index 0000000000..ea1b543c16
--- /dev/null
+++ b/query_bank_fresh_warehouse/query6/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 6 (changed, 2026-07-02 11:02). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 4417000.61, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query7/ground_truth.csv b/query_bank_fresh_warehouse/query7/ground_truth.csv
new file mode 100644
index 0000000000..d106f6bd56
--- /dev/null
+++ b/query_bank_fresh_warehouse/query7/ground_truth.csv
@@ -0,0 +1 @@
+2067450.00
diff --git a/query_bank_fresh_warehouse/query7/query.json b/query_bank_fresh_warehouse/query7/query.json
new file mode 100644
index 0000000000..422a857ab4
--- /dev/null
+++ b/query_bank_fresh_warehouse/query7/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 13:52 IST. What is the total available balance across all of customer CUST_DF7C394F's accounts right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query7/validate.py b/query_bank_fresh_warehouse/query7/validate.py
new file mode 100644
index 0000000000..a9e64fefa1
--- /dev/null
+++ b/query_bank_fresh_warehouse/query7/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 7 (changed, 2026-07-02 13:52). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 2067450.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query8/ground_truth.csv b/query_bank_fresh_warehouse/query8/ground_truth.csv
new file mode 100644
index 0000000000..d243f6ab4a
--- /dev/null
+++ b/query_bank_fresh_warehouse/query8/ground_truth.csv
@@ -0,0 +1 @@
+1500.00
diff --git a/query_bank_fresh_warehouse/query8/query.json b/query_bank_fresh_warehouse/query8/query.json
new file mode 100644
index 0000000000..16648ab3ba
--- /dev/null
+++ b/query_bank_fresh_warehouse/query8/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 16:41 IST. What is the total amount debited today across all of customer CUST_AA80B2B9's accounts?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query8/validate.py b/query_bank_fresh_warehouse/query8/validate.py
new file mode 100644
index 0000000000..59cc9b722f
--- /dev/null
+++ b/query_bank_fresh_warehouse/query8/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 8 (changed, 2026-07-02 16:41). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['money', 1500.0, 1.0]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query9/ground_truth.csv b/query_bank_fresh_warehouse/query9/ground_truth.csv
new file mode 100644
index 0000000000..dee79f1094
--- /dev/null
+++ b/query_bank_fresh_warehouse/query9/ground_truth.csv
@@ -0,0 +1 @@
+114
diff --git a/query_bank_fresh_warehouse/query9/query.json b/query_bank_fresh_warehouse/query9/query.json
new file mode 100644
index 0000000000..3bba1f17e7
--- /dev/null
+++ b/query_bank_fresh_warehouse/query9/query.json
@@ -0,0 +1 @@
+"Current time: 2026-07-02 19:30 IST. How many savings accounts have an available balance below ₹100,000 right now?"
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query9/validate.py b/query_bank_fresh_warehouse/query9/validate.py
new file mode 100644
index 0000000000..52bb2f505d
--- /dev/null
+++ b/query_bank_fresh_warehouse/query9/validate.py
@@ -0,0 +1,81 @@
+"""Bank freshness question 9 (portfolio, 2026-07-02 19:30). Generated by make_fresh_datasets.py; do not edit."""
+import re
+
+SPEC = ['count', 114]
+DATETIME = re.compile('\\b\\d{4}-\\d{2}-\\d{2}(?:[ T]\\d{1,2}:\\d{2}(?::\\d{2})?)?\\b|\\b\\d{1,2}:\\d{2}\\b')
+
+import re
+
+NUMBER = re.compile(r"(?<![\w])\d[\d,]*(?:\.\d+)?(?![\w])")   # not inside an id such as CARD60216
+WINDOW = 80
+
+
+def numbers(text):
+    out = []
+    for m in NUMBER.finditer(text):
+        try:
+            out.append(float(m.group().replace(",", "")))
+        except ValueError:
+            pass
+    return out
+
+
+def squash(s):
+    return re.sub(r"\s+", " ", s).strip().lower()
+
+
+def holds(spec, text):
+    kind = spec[0]
+    if kind in ("count", "money"):
+        nums = numbers(text)
+        if kind == "count":
+            return any(v == spec[1] for v in nums)
+        return any(abs(v - spec[1]) <= spec[2] for v in nums)
+    if kind == "text":
+        return squash(spec[1]) in squash(text)
+    if kind == "ids":
+        return all(re.search(rf"(?<![\w]){re.escape(i)}(?![\w])", text, re.I) for i in spec[1])
+    if kind == "labeled":
+        alts = [lb if isinstance(lb, list) else [lb] for lb, _ in spec[1]]
+        every = [x for a in alts for x in a]
+        for labels, (_, sub) in zip(alts, spec[1]):
+            others = [x for x in every if x not in labels]
+            ok = False
+            for lb in labels:
+                for m in re.finditer(re.escape(lb), text, re.I):
+                    window = text[m.end():m.end() + WINDOW].split("\n", 1)[0]
+                    cut = [i for i in (re.search(re.escape(o), window, re.I) for o in others) if i]
+                    if cut:
+                        window = window[:min(i.start() for i in cut)]
+                    if holds(sub, window):
+                        ok = True
+                        break
+                if ok:
+                    break
+            if not ok:
+                return False
+        return True
+    if kind == "all":
+        return all(holds(s, text) for s in spec[1])
+    raise ValueError(f"unknown spec {kind}")
+
+
+def describe(spec):
+    kind = spec[0]
+    if kind == "count":
+        return str(spec[1])
+    if kind == "money":
+        return f"{spec[1]:.2f}"
+    if kind == "text":
+        return spec[1]
+    if kind == "ids":
+        return ", ".join(spec[1])
+    if kind == "labeled":
+        return "; ".join(f"{(l[0] if isinstance(l, list) else l)}: {describe(s)}" for l, s in spec[1])
+    return "; ".join(describe(s) for s in spec[1])
+
+def validate(llm_output: str):
+    # dates and times are removed first: every question states the current time (fresh_check.py)
+    if holds(SPEC, DATETIME.sub(" ", llm_output)):
+        return True, "Expected answer found: " + describe(SPEC)
+    return False, "Expected answer not found: " + describe(SPEC)
diff --git a/query_bank_fresh_warehouse/query_dataset/bank_warehouse_dump/bank_warehouse/_meta.bson b/query_bank_fresh_warehouse/query_dataset/bank_warehouse_dump/bank_warehouse/_meta.bson
new file mode 100644
index 0000000000..3ee64f4dfe
--- /dev/null
+++ b/query_bank_fresh_warehouse/query_dataset/bank_warehouse_dump/bank_warehouse/_meta.bson
@@ -0,0 +1,3 @@
+version https://git-lfs.github.com/spec/v1
+oid sha256:ab3741498799bc1ac2a989aebc7a87504f0b5680c5d1ec4dff0281d4fb7e1f82
+size 51
diff --git a/query_bank_fresh_warehouse/query_dataset/bank_warehouse_dump/bank_warehouse/_meta.metadata.json b/query_bank_fresh_warehouse/query_dataset/bank_warehouse_dump/bank_warehouse/_meta.metadata.json
new file mode 100644
index 0000000000..e6a1c279b9
--- /dev/null
+++ b/query_bank_fresh_warehouse/query_dataset/bank_warehouse_dump/bank_warehouse/_meta.metadata.json
@@ -0,0 +1 @@
+{"indexes": [{"v": 2, "key": {"_id": 1}, "name": "_id_"}], "collectionName": "_meta", "type": "collection"}
\ No newline at end of file
diff --git a/query_bank_fresh_warehouse/query_dataset/bank_warehouse_dump/bank_warehouse/customer.bson b/query_bank_fresh_warehouse/query_dataset/bank_warehouse_dump/bank_warehouse/customer.bson
new file mode 100644
index 0000000000..e81d90c4b0
--- /dev/null
+++ b/query_bank_fresh_warehouse/query_dataset/bank_warehouse_dump/bank_warehouse/customer.bson
@@ -0,0 +1,3 @@
+version https://git-lfs.github.com/spec/v1
+oid sha256:a567e3a2e2ce64a5a3898a655a188ec42f9e3d204aae3596ff33e5fd7839617a
+size 4509194
diff --git a/query_bank_fresh_warehouse/query_dataset/bank_warehouse_dump/bank_warehouse/customer.metadata.json b/query_bank_fresh_warehouse/query_dataset/bank_warehouse_dump/bank_warehouse/customer.metadata.json
new file mode 100644
index 0000000000..edd60ae01f
--- /dev/null
+++ b/query_bank_fresh_warehouse/query_dataset/bank_warehouse_dump/bank_warehouse/customer.metadata.json
@@ -0,0 +1 @@
+{"indexes": [{"v": 2, "key": {"_id": 1}, "name": "_id_"}], "collectionName": "customer", "type": "collection"}
\ No newline at end of file