Lesson 11 walked a chargeback to its initial loss. But chargebacks have a multi-stage dispute lifecycle: first chargeback → representment (you submit evidence) → pre-arbitration → arbitration. Each stage moves the funds back and forth. Each one has scheme-imposed deadlines (45-90 days). Each one can rule for you OR the cardholder. This lesson walks ONE disputed ₦15,000 card transaction through the full lifecycle: chargeback hits, you provide compelling evidence, the issuer accepts, the funds come back. (The losing path is symmetric, you re-debit, scheme keeps the fee.)