(bool) env('CHECKOUT_WIZARD_ENABLED', true), 'feature_flag' => env('CHECKOUT_WIZARD_FLAG', 'checkout-wizard-2025'), 'session_ttl_minutes' => env('CHECKOUT_SESSION_TTL', 30), 'status_history_max' => env('CHECKOUT_STATUS_HISTORY_MAX', 25), 'fraud' => [ 'window_hours' => env('CHECKOUT_FRAUD_WINDOW_HOURS', 24), 'medium_failed' => env('CHECKOUT_FRAUD_MEDIUM_FAILED', 2), 'high_failed' => env('CHECKOUT_FRAUD_HIGH_FAILED', 5), 'high_failed_ratio' => env('CHECKOUT_FRAUD_HIGH_FAILED_RATIO', 0.5), ], ];