Four are written at full length: stages 1, 6, 7 and 8. Four are short versions carrying the mechanism, the owner, the document and a task, marked as short on the page itself. Nothing is a placeholder, and nothing pretends to be longer than it is.

The first draft of stage 4 advised exporters to use a better laboratory. In every refused presentation we had looked at, the testing was fine and the wording was not. The advice was wrong and it is recorded as wrong on the page rather than quietly deleted.

The industry quotes somewhere between a half and three quarters of first presentations refused. That traces back to old survey work rather than a current published series, so stage 6 says the number is unavailable instead of repeating it.

Stage 7 published first, because the gap between 90% and 43% is the question most people arrive with.

Swift reports 90% reaching the receiving bank within an hour and 43% reaching the customer. The FSB reports 50.6% credited within an hour. Both are on the site with their definitions, because picking the flattering one would have been easy and useless.

We wanted a table of last-mile times by country. It is not published at that resolution, so the site carries regional aggregates and says so rather than reconstructing numbers from press releases.