Payer concentration across multiple policyholders — verified as family payment

The rules layer surfaced payment instruments recurring across policyholders in this book. Cross-referencing payer relations and household composition shows every shared instrument belongs to a household head paying for spouse or children — a common and permitted arrangement. Unlike true subsidization, instruments never cross household boundaries and no issue-date clustering or lapse cascade exists. Dismissed; retained as a precision example for reviewer calibration.

Why the rules-layer signal did not survive reasoning review.