Task Prompt to Design EU KIDS Act Tiered Age Assurance Policy with Arc

Arc, design our tiered age assurance policy for the EU KIDS Act's
proposed bands, so the build starts before the negotiation finishes.

Context: the proposal tiers access at 13 and 15 across social, video,
app stores, games, and AI chat services, with parental "mini accounts"
for 13-15, the EU age verification app as interim method, EUDI wallet
proofs as destination, and investigations fast-tracked to 90 days.

Produce:
1. Band verification matrix: for each boundary (13, 15), the accepted
   proofs (EU age app tokens, EUDI wallet attestations, estimation with
   dual-boundary buffer policy on deepeye liveness) and the fallback
   ladder for users without credentials, at equal assurance.
2. Guardianship delegation spec: verify the adult, bind guardianship to
   the minor's account as revocable authority, validate at use, dissolve
   at the 15+ conversion on verified age, with the evidence record per
   lifecycle step.
3. Privacy constraints: band outcomes only, no stored biometrics or
   identity documents, selective disclosure preserved on credential
   paths.
4. Per-member-state variation hooks: where national transposition may
   shift boundaries or methods, keep the difference as policy rows.
5. The 90-day probe pack: which records we produce per contested
   decision, generated by the system, and the gap list where current
   flows fall short, with owners and dates.

Output as configuration ready for review plus a one-page brief for
product leadership on what changes at each tier.