Which effect types are overdue a comparison against the vendor

Ratchet cannot fetch your vendor's records — it has no credentials and no outbound access to your systems. What it keeps is the calendar: when each effect type was last reconciled, whether that is now overdue against the cadence you set, and the ungated count from the last ten runs so drift is visible. Effect types with no cadence are listed too, because "never reconciled and never scheduled" is the answer that matters most.