Compliance wants the system to automatically flag cash transactions that require a CTR: cash in or cash out by the same customer on the same business day totaling more than $10,000. The team estimated this story at 21 points, but our rule is that no single story can exceed 8 points. How would you split it? For example, if a customer deposits $6,000 in the morning and $5,000 in the afternoon, does that count?

合规要求系统自动识别需要报 CTR 的现金交易：同一客户在同一营业日现金存取合计超过 $10,000 就要报。团队把这条 story 估成 21 个点，但我们规定单条故事不能超过 8 点。你会怎么拆？比如客户上午存 $6,000、下午存 $5,000，算不算？