If you understand normalization but don’t know where to start with order, refund, and settlement tables—practical commerce data modeling, from requirement 1/38 through 38/38

I’ve learned the principles of database design, but how do I turn orders, refunds, and settlements into tables? We’ll evolve the schema over 41 steps so a single order can flow through payment, partial cancellation, returns, refunds, and settlement, meeting all 38 requirements one by one.