The written disclosure must set out the fees and costs that matter to the retail customer across three layers: the cost of the recommended transactions, the ongoing costs of holding the products, and the charges attached to the account itself. The standard is materiality rather than an itemised schedule, but the customer must be able to see what the relationship will cost in each layer.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.