diff --git a/src/data/mockStore.jsx b/src/data/mockStore.jsx
index c3b5c9b..60312a3 100644
--- a/src/data/mockStore.jsx
+++ b/src/data/mockStore.jsx
@@ -4964,7 +4964,7 @@ export const MockStoreProvider = ({ children }) => {
     // Commission Settings — Org defaults + per-user overrides
     const [orgCommissionDefaults, setOrgCommissionDefaults] = useState({
         type: 'percent_gross',
-        rate: 10,
+        rate: 0,
     });
     const [userCommissionOverrides, setUserCommissionOverrides] = useState([
         { userId: 'p1', userName: 'Jesus Gonzales', enabled: true, type: 'percent_gross', rate: 12 },