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Steps are now company -> owner -> representation -> contact -> documents; PersonnelStep and PoaStep are gone. - OwnerStep shows whoever the eTrade licence names, read-only with a provenance badge (SourcedField), and renders an input for every gap eTrade and Fayda left. It warns when the stored owner does not match eTrade. - RepresentationStep asks outright whether anyone holds power of attorney, then branches: "no" verifies the owner, "yes" collects the representative and the DARS delegation letter. Freight forwarders cannot answer "no". - Passport input appears only for a foreign company whose subject has not verified with Fayda. - Drop every same-as-owner copy-across and the auth-user fallbacks for the owner's email and phone. Re-picking a business licence now clears the eTrade owner prefill, since licences under one TIN can name different managers. - Settings: TabGeneralManager replaced by TabOwner; TabPowerOfAttorney reworked around poaDeclared.