flowchart TD A[Opt-Out Pathway in Document] --> B[Identify Discrete Actions] B --> C1[Locate Step] B --> C2[Act Step] B --> C3[Verify Step] C1 --> D[Step Count Accumulation] C2 --> D C3 --> D D --> E[Total Steps] E --> F[Compare to Opt-In Pathway] F --> G{Asymmetry?} G -->|Yes| H[Flag: Consent Asymmetry] G -->|No| I[No asymmetry flag] E --> J[Independent Flag System] J --> J1[Waiting period] J --> J2[No digital opt-out] J --> J3[Insurer discretion] J --> J4[Irreversible disclosure]