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      "Inject tension into the Card section — e.g. open p.32 with the competitive/regulatory threat the strategy answers, mirroring how p.22 frames Home Lending",
      "Compress agenda repetition: keep p.2 as the master agenda and convert pp.12/20/31/47 into thin section-tab tracker bands rather than full slides",
      "Tighten the few topic-label titles (p.5 'Performance targets' → 'We are tracking ahead on 4 of 5 medium-term targets'; p.11 'The power of our digital platform' → quantify the 49mm number in the title itself)"
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      "Home Lending section (pp.21-30) shows genuine SCQA — p.22 frames industry tension, pp.23-26 show repositioning, pp.27-29 show payoff",
      "Pull-quote callouts carry quantified proof (p.14 '40% higher new checking balances', p.36 '4x spend for multi-redeemers')"
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      "No tension act — Consumer Banking (pp.13-19) and Card (pp.32-46) are pure 'we are winning' with no challenger framing",
      "Six agenda/divider slides (pp.2, 12, 20, 31, 47, 49) is excessive structural overhead for a 49-page narrative"
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