refactor: update agent sync behavior, improve freshness detection patterns, and add diagnostic troubleshooting script
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- Deeper Discourse / FTTransfer analysis now points to presentation-layer SwiftUI identity/lifecycle churn around `BankInformationView` and `BankSetupWebView`: XFlow eventing appears to set shared consumer-observed state, but current evidence does not show it directly mutating view identity, host lifecycle, or alert state.
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- The working non-XFlow route appears to avoid the issue because it bypasses the extra XFlow destination presentation layer and associated state-coupling surface, while the failing playground path keeps the alert/popup transition and cover lifecycle coupled in the same reactive chain.
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- The next implementation direction for the Discourse / FTTransfer issue is a pure SwiftUI fix that decouples alert state from the cover identity chain, avoiding unnecessary UIKit dependencies
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- `PDIAP-16167 - AccountLink - XFlow causing web view rewrites investigation` was created for the FTTransfer AccountLink investigation and root-cause report
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- Include in the `PDIAP-16167` report that the issue persists when rolling back `XFlowSDK` to `v0.1.0`, predating REST and modern architecture changes; Jeff explicitly asked David to include this in the document
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- Before closing out the AO thread, send one more working-group Teams reply that summarizes the original iOS issue, links the Jira comment, Discourse comment, and PR, and separates the remaining `HybridBrokerageAccountOpening` / `JointIdentityCheck` service-side issue
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- The `HybridBrokerageAccountOpening` / `JointIdentityCheck` rule-content issue appears unchanged between QA and Production in Cogstore and should be treated as the remaining service-side follow-up
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