DEFERRED 2026-05-01T18:30 per phase-fit reversal. This memory file records the Σ.μ.ε.5 ★ lock but the lock has been DISCARDED. IW productisation was prematurely framed as Phase 3 work; correct phase is Phase 6 (per-brand integration — IW). The original content below is preserved for forensic continuity + re-use when Phase 6 opens. Do not act on this memory’s recommendations as if locked. The methodological lesson about memory-grounding-check before lock IS valid and should be codified separately as
feedback_memory_grounding_check_before_lock.
Outcome: Rich-locked Σ.μ.ε.5 ★ on 2026-05-01T17:00 BST per Path B reissue.
Trigger: Rich grounding-check question 2026-05-01 (“i don’t understand the origin of this question — is Living Monitoring mentioned in any of our documents?”) + “I BELIEVE there are huge opportunities for consumer subscriptions to will services too.”
Two Claude-extension errors caught + corrected:
- “Living Monitoring” terminology — Claude-extended from MFI Level-0 (where memory locks it) to IW (where memory does NOT). Per memory
project_inheritwills_mfi_subscription(Sunday 19 April 2026): “Living Monitoring” is MFI Level-0 tier name only. - IW pricing tier ladder DIY £39 / Lite £99 / Standard £299 / Premium £499 / Deluxe £999 — Claude-invented; never in any TT document. Memory locks IW = subscription-native £10-25/month.
A-numbered amendment: A-144 (Tier-1 arch-state v3.29 → v3.30; partially supersedes A-143 IW pricing line; Σ.κ ★ frame preserved).
FIRST ζ.2 grounding-error correction. Verifies “no lies” discipline per global CLAUDE.md §13.
Σ.κ ★ frame PRESERVED (B2B+B2C unification + cross-brand ecosystem + Lexis+ Protégé interop + Update Your Will Week sponsorship + Susskind 2008+2023 grounding all preserved). ONLY IW D2C pricing/productisation lines corrected.
Σ.μ.ε.5 ★ corrected IW D2C productisation (memory-faithful):
- Free DIY template £0 (template only; no AI; no subscription)
- One-off “Will Update” service £99-299 (single-shot via Π.θ ★ L4M Stage-2; for opt-out-of-subscription buyers)
- Four-tier consumer subscription (per memory £10-25/mo range + Family £35/mo extension):
- Lite £10/mo (will-conversion onboarding + continuous trigger-event updates + 3-mo storage; light mid-HNW)
- Standard £15/mo (+ 1hr/yr async solicitor + e-signing + 12-mo storage; mid-HNW core memory primary target)
- Premium £25/mo (+ 2hr/yr live solicitor + lifetime storage + cross-jurisdiction + InheritKitBench-validated authoring; premium estate £1M-£3M)
- Family £35/mo (+ up to 4 family members + multi-generational + MFI Level-0 -£3/mo cross-brand discount; multi-generational families)
B2B side UNCHANGED (Σ.η Hybrid baseline; Clio APIs + per-matter signoff + tiered Pilot/Steady-State/Enterprise).
“Living Monitoring” scope correctly bounded to MFI Level-0 only (£5-10/mo per memory; preserved unchanged).
Customer-facing terminology lock unchanged: “Will update” B2C / “Migration” B2B / “Will conversion” TT-internal / “Living Monitoring” MFI Level-0 only / “Living will” IW value-prop concept lower-case.
Recurring revenue projection corrected (was invented £6M+ on wrong “Living Monitoring £30-90 p.a.” basis):
- Lite 30K × £120/yr = £3.6M p.a.
- Standard 25K × £180/yr = £4.5M p.a.
- Premium 8K × £300/yr = £2.4M p.a.
- Family 5K × £420/yr = £2.1M p.a.
- IW subscription ARR: £12.6M p.a. at Q4 2029 (+24mo from launch)
- Plus £20M one-off Will Update pulse + £750K B2B partner-firm + £450K MFI Level-0 = ~£34M total ARR
Sensitivity: 6-sub-tier scoring; Σ.μ.ε.5 ★ 4.55 Rich-pick vs Σ.μ.ε.2 two-tier 4.55 (tied). Σ.μ.ε.5 wins via Family-LTV criterion (#13) + Capture-Rich’s-huge-opportunity (#8) + Susskind mass-customization alignment (#9). Σ.μ.ε.5 vs Σ.μ.ζ B2B-only margin 0.28 above 0.20 threshold. 4/6 perturbations split between Σ.μ.ε.5 + Σ.μ.ε.2; status-quo Σ.μ.ε.1 single wins under maintainability+cost priority.
Methodological observations:
- FIRST ζ.2 grounding-error correction (Claude-extension caught via Rich grounding-check question; Path B reissue successful)
- Memory grounding-check discipline reinforced — codification candidate
feedback_memory_grounding_check_before_lock(precondition: any architectural lock referencing brand pricing/positioning must verify against brand-architecture + relevant memory files BEFORE lock, not AFTER) - Σ.κ ★ frame survived the IW productisation correction — frame-vs-tier-structure separation worked; sub-decisions cleanly nested within frame
- 18 of 19 ζ.2-related decisions remain convergent
- NEW R-NEW-MEMORY-GROUNDING-DISCIPLINE risk (risk count 40 → 41)
NO reversal of: A-143 Σ.κ ★ frame; A-142 Π.θ ★ L4M; A-113 sovereignty (DO-per-firm + DO-per-user); A-114 Cedar+Catala substrate; A-141 SSSOM verificationTier; T1 MCP architecture; brand-architecture v1.16 IW positioning; memory project_inheritwills_mfi_subscription (subscription-native primary anchor preserved; £10-25/mo range upheld; £35 Family modest extension); cross-brand ecosystem; Update Your Will Week sponsorship; Lexis+ Protégé interop; customer-facing terminology lock; Cloudflare AI Gateway + Haiku 4.5.
Spike file: ~/off-github/library/projects/inherit/T-will-conversion-product-line-spike-2026-05-01.md v1.2 → v1.3 with corrections.
Cascade artefacts: arch-state v3.30 A-144; IK arch-state v1.4; IAS arch-state v1.5; INDEX v2.20; Q-016 cascade file v1.0 → v1.1 with §9 added; this memory file (supersedes project_zeta_q16_sigma_kappa_will_update_unified_2026_05_01); active-work-log; richard-tasks-tt v1.17 → v1.18 with 10-task corrections.
Phase 3 status: 8 Q answered + cascaded (ζ-Q9..ζ-Q16-REVISED-AGAIN); 1 deferred (ζ-Q15-original); ζ-Q17 candidate (trigger-event detection architecture) requires terminology correction pre-lock.
NEXT: ζ-Q17 reissue with terminology correction — Λ.η ★ Tiered architecture serves IW subscription continuous-updates (NOT “IW Living Monitoring”) + MFI Level-0 Living Monitoring opt-in tier; same architecture, corrected terminology.