What that becomes
- A queue the staff can see, with a status that means something
- A customer side, so people stop calling to ask where it is
- Limits and permissions, so the wrong person cannot approve the wrong step
- Mail and files attached to the job, not lost in a thread
UniversalRefund is one we already shipped: claims, review, counters, documents, payout. The pattern is the offer. Your steps will not be theirs.