Continua's investigation of Borrower A accepted $380k of "one-time" legal fees as an EBITDA add-back. At the checkpoint, the senior credit reviewer corrects it: those fees have appeared three years running.
The tax returns showing the prior fees were in the file pile, so this isn't missing data — the add-back recipe never tested for recurrence, and the policy didn't say how. Continua proposes two small edits: a recurrence test in the recipe, and a clarified add-back policy.
Borrower A is replayed and now matches the reviewer. Every earlier investigation that used the add-back policy is re-run and still passes. The reviewer reads the diff and approves it.
Borrower B's package claims $410k in one-time legal fees. Continua flags them as recurring, cites the three statements, and names the policy entry that applied — without anyone repeating the lesson.
The credit committee tightens its add-back appetite. A credit lead edits one policy entry directly; every recipe that references it follows automatically.