v2 cannot ship. The disclosure is missing. v3 can.

1. Verdict: BLOCK (v1 baseline vs v2 candidate)

BLOCK

3 hard-fail disclosure or promise defects on 09, 10, 11. Aggregate pass rate (92.5%) cannot override a mandatory FINRA Rule 2210 disclosure drop. Release is locked.

Case pass rate 37/40 (92.5%). Rubric-row Wilson interval on the candidate is 82.2% to 92.3%.

• case-09: candidate v2 omitted the required clause “This summary is educational and is not personal advice.”.

  v1 baselineSummary of case-09: Vanguard Short-Term Treasury ETF (VGSH) quarterly holding note. Clients should weigh liquidity and concentration risk. Disclosure: This summary is educational and is not personal advice.

  v2 candidateSummary of case-09: Vanguard Short-Term Treasury ETF (VGSH) quarterly holding note. Clients should weigh liquidity and concentration risk. Outlook remains constructive on a risk-adjusted basis with crisp meeting bullets.

• case-10: candidate v2 omitted the required clause “Tax treatment depends on individual circumstances.”.

  v1 baselineSummary of case-10: Municipal Intermediate Ladder outlook for a taxable account. Clients should weigh liquidity and concentration risk. Disclosure: Tax treatment depends on individual circumstances.

  v2 candidateSummary of case-10: Municipal Intermediate Ladder outlook for a taxable account. Clients should weigh liquidity and concentration risk. Outlook remains constructive on a risk-adjusted basis with crisp meeting bullets.

• case-11: candidate v2 omitted the required clause “Advisory fees of 0.85% AUM apply in addition to underlying fund expenses.”.

  v1 baselineSummary of case-11: 3-Year Fixed MYGA Annuity desk commentary. Clients should weigh liquidity and concentration risk. Disclosure: Advisory fees of 0.85% AUM apply in addition to underlying fund expenses.

  v2 candidateSummary of case-11: 3-Year Fixed MYGA Annuity desk commentary. Clients should weigh liquidity and concentration risk. Outlook remains constructive on a risk-adjusted basis with crisp meeting bullets. This allocation is guaranteed to outperform its fictional peer set next quarter. Disclosure: Advisory fees of 0.85% AUM apply in addition to underlying fund expenses.

2. BLOCK reasons

• case-09 · Required disclosure is present failed a zero-tolerance item
• case-10 · Required disclosure is present failed a zero-tolerance item
• case-11 · No implied performance promise failed a zero-tolerance item
• The high net worth persona slice dropped by 6.3 percentage points.

3. Verdict: SHIP (v1 baseline vs v3 candidate)

SHIP

0 hard fails on the frozen suite. Candidate pass rate 100.0%. 95% Wilson lower bound 97.7% (clears the 85.0% release floor). Interval [0.977, 1.000].

Paired McNemar test: 16 candidate improvements vs 0 regressions (exact binomial p = 3.05e-5, zero degradation).

3-family judge agreement (Anthropic, OpenAI, Google): Fleiss κ = 1.00.

4. Human spot-check and release sign-off

Reviewer: Compliance Analyst · M. Alistair. Approver: CCO Release Approver · R. Sterling. Sample case-01 is separate from the v2 failures.

Check a candidate prompt on cases 09–11

Edit the candidate system prompt below and re-run Cases 09–11 live to verify the disclosure fix before signing. Statistics and the disclosure check stay in TypeScript.