Most applications receive a decision within a few minutes of submission. Some applications are routed to manual underwriting review, which can take 1–3 business days in this fictional lab's timeline.

Yes — from the Statements page or from any application's detail page, paste a link to a statement hosted elsewhere and NorthPeak will fetch it automatically and attach it to your application. No file upload required.

Sessions in this training environment are illustrative only. In a production bank, sessions would run over TLS and credentials would never be stored in plain `localStorage` — this lab intentionally does things differently for teaching purposes.

Transfers are shown on the Transfers page for completeness, but are not wired up to any backend in this lab — no funds ever move.

Password resets aren't implemented in this training build. Use one of the seeded lab accounts listed on the sign-in page.