← Frame 22 — Commit fail

FRAME 23 / 24

Edge: bind-void within 24h (modal)

Frame 24 — Concurrency lock →

Stories covered

As an agent who just bound a wrong submission, I want a clearly-labeled "Void this bind" button on the policy page with reason codes.
As Althea compliance, I want bind-void to flat-cancel via Ascend, reverse SL filing via InsCipher, retract mortgagee notification, and log a permanent audit entry.
As an agency principal, I want bind-void actions visible in agency-level audit so I can review producer error rates.

Interactions

Reason codes — preset list, no free-text-only path. Optional note field for additional context. Drives reporting on producer error rates.
Impact list — explicit cascade of what happens across Ascend, InsCipher, InsVista, audit log, and HO communications. Agent should know exactly what they're triggering before confirming.

Design notes

Available only within 24h of commit; beyond that, standard cancellation flow applies (separate spec).
Flat-cancel = full refund, no MEP — clerical reversal, not the gaming-prevention cancellation flow.
HO gets one follow-up email so they're not waiting for a policy that's gone. Tone: brief, neutral, no detailed explanation.
Permanent audit entry — bind-void doesn't erase history, it adds a reversal record.

Edge cases not shown

Void after 24h — bind-void button disappears; standard cancellation only
HO has already initiated payment (CC charging) — additional warning, refund timing differs
Mortgagee batch already sent (after 23:00) — retraction email sent next-day instead of inline
Multi-bind void (agency-level mistake batch) — out of MVP scope