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Why does my churn rate look stable even when individual customer groups are leaving?

My overall churn rate holds steady month over month, but something feels off — newer customers are not staying as long as older ones.

S: At 3.2% the blended rate sits well below the 5% SaaS warning threshold. C: Veterans churn at 1.8%. I: At blended churn (3.2%) payback is 14 months.