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<!--
Client onboarding with parallel verification gates.
Three independent checks (KYC, credit, AML) run in parallel.
The parallel state exits only when all regions reach a final state,
at which point the "all_cleared" guard on the parent transition fires.
If any region rejects, the parallel state's reject transition exits early.
After the parallel gate: a sequential committee review with quorum,
then activation. Standard pattern for retail and private banking onboarding.
-->
<!-- Parallel gate: all three checks must complete before proceeding. -->
<!-- Exit the parallel gate when all regions are done and checks passed. -->
<!-- Early exit if any check is rejected. -->
<!-- Timeout: if checks take too long, reject. -->
<!-- Sequential committee review after the parallel gate. -->