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New Product Approval (NPA) workflow.
Standard front-to-back approval chain seen in financial product launches:
product team drafts the proposal, specialist reviewers sign off in sequence,
a committee gives final approval, and the product is released for issuance.
Each stage has an approval gate and a reject-back-to-draft fallback.
Demonstrates: linear approval chains, named approval guards, deadline-driven
reminders (P7D timeout escalates back to draft), and the gnomes:quorum
extension for committee voting.
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