Being upfront about the trade is what makes this series credible: 86.9% on the BANKING77 test set, compared against 83 to 85% for classifiers trained on 10 messages per intent and about 93% with full training data. Framing the goal as knowing which answers to act on, which to clarify and which to hand off is a practical way to think about it. Refitting the calibration in seconds when labels change, instead of retraining, also keeps the setup cheap to maintain.