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C1: queryCountryInfos endpoint typo (-1 suffix removed) C2: ValidateTIF wired into CreateOrder (was dead code) C3: GetFixedIncomeQuote returns honest error (Moment ToS required) C4: Agreement signing uses real client IP (was 0.0.0.0) C5: Overnight trading uses America/New_York timezone (was UTC-4) H1: Background asset sync goroutine (1-hour ticker) H2: ACATS disclosure API endpoint H3: Crypto $200K aggregate limit on split plans