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On process, yeah — by the scorecard it grades worse than either: 3/20, a 55% threshold, ~6 weeks from proposal to activation client, the client failing its own tests. That's the finding.

I'd leave "scam" out of it, though. The framework grades how a change is pushed, not whether it should exist or what's in anyone's heart. A change I personally liked could score just as badly if it were rushed the same way. The point is the process bar, not the motive.