Phase IV opens within thirty days of the Initiation Certificate (Phase III sub-protocol 3.6). The Office activates the debt instrument, assigns the subject's Career Trajectory Plan, and routes the subject into the Office-certified employer network. The subject experiences the interval as the start of adult life. The Office experiences it as the activation of the lifelong productive-consumer instrument.
The dual-role installation is the Phase-IV deliverable. By month twelve the subject is reliably producing (as worker) and reliably consuming (as borrower-spender), with the two functions linked by the obligation servicing schedule. The link is the design.
Each Phase-IV subject receives a Career Trajectory Plan at the onboarding meeting. The Plan specifies the subject's five-year earnings target, the consumption profile expected against those earnings, and the obligation servicing schedule. A specimen is shown below.
| year | earnings | debt servicing | consumption | milestone |
|---|---|---|---|---|
| Y+1 | 62,000 SU | 9,800 SU | 44,200 SU | first promotion · sector entry |
| Y+2 | 71,500 SU | 10,400 SU | 50,300 SU | first credit card · first device upgrade |
| Y+3 | 82,200 SU | 11,800 SU | 57,600 SU | lateral move · partner consolidation |
| Y+4 | 94,000 SU | 12,900 SU | 66,100 SU | mortgage origination · first child planning |
| Y+5 | 106,500 SU | 14,100 SU | 76,200 SU | Phase V readiness · partnership filed |
Fig. 4.1.A — Specimen Career Trajectory Plan (5-year horizon)
The Office welcomes you to Phase IV. The Career Trajectory Plan is offered as a tool for the subject's own flourishing. Deviation from the Plan is permitted; the Office records deviations and adjusts the Plan at year-three review. Substantial deviation routes the subject into the Career Recalibration Pathway, which most subjects exit within eighteen months.