Create a insurance policy

Requires verified reporting staff and fresh step-up. Proposals bind idempotency to exact actor/input. Runs require an independently approved dated bank/rule policy and original retained closing/account balance versions. GET sources/{date} supplies captured title hashes for preparing evidence. Classification binds to those title hashes, uses evidenced beneficial-owner shares and qualification, and aggregates all accounts at one bank by owner/capacity. Trust beneficiary identities count once per grantor across accounts, capped at five. Missing or unsupported titles, special circumstances, or unreconciled principal/accrued interest remain explicit exceptions and make all estimates preliminary. This is not an FDIC determination, Part370 certification or network placement instruction.