Returns the frozen evaluation set used by fx_benchmark() and
fx_stress_grid(). Both the small "mini" set and the full set ship with the
package, so this works offline with no setup. refresh = TRUE instead
downloads a (possibly newer / larger) full set from a remote host and caches
it under tools::R_user_dir(); the URL comes from
getOption("formex.benchmark_url") or the FORMEX_BENCHMARK_URL environment
variable (default: the package's GitHub release asset). If a requested remote
fetch fails, it falls back to the packaged copy with a message.
Value
A data frame, one row per banked column (see the file header for the
schema), with benchmark_version and built_on attributes.