Before recommending a product or strategy, the firm and the individual must exercise the diligence, care and skill of a careful professional to understand what the product or strategy could cost, what it could return and what could go wrong, and must be able to say on reasonable grounds that at least some retail customers would be well served by it. This is the product-level or reasonable-basis element: a recommendation of something the firm has not understood, or that would suit no retail customer, fails here regardless of the individual customer.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.