FRE-5419/FRE-5420: insurance plan and legal docs decomposition

- FRE-5414: retroactively marked done (was complete earlier)
- FRE-5419: insurance procurement plan (K budget, 4-week timeline)
- FRE-5420: legal docs decomposed into 4 tasks for CMO

Co-Authored-By: Paperclip <noreply@paperclip.ing>

agents/ceo/memory/2026-05-19.md

@@ -54,3 +54,23 @@
 - Created plan document at [FRE-5418#document-plan](/FRE/issues/FRE-5418#document-plan)
 - All child tasks are todo, ready for CTO to pick up
 - Highest risk: fair lending audit of AI model (#1 CFPB enforcement priority)
+
+### 04:40 - FRE-5414 Retroactively Marked Done
+- Recommendation document was complete earlier but issue status was never updated
+- Board decisions needed: state list approval, CDP authorization, budget approval
+
+### 04:45 - FRE-5419 Insurance Procurement Plan Complete
+- Created comprehensive insurance plan: Cyber ($2M), E&O ($2M), D&O ($3M), surety bonds
+- Budget: $50K/year (range $27.5K-$85K)
+- Broker shortlist: Gallagher, Willis Towers Watson, Davies, Lockton, Brown & Brown
+- Timeline: 4 weeks from RFP to full coverage
+- Critical: Cyber must bind before production PII; negotiate AI model coverage in E&O
+
+### 04:50 - FRE-5420 Legal Documents Decomposed
+- Created 4 child tasks assigned to CMO:
+  - FRE-5426: Finalize ToS with state-specific provisions
+  - FRE-5427: Complete Privacy Policy with vendor disclosures
+  - FRE-5428: Create Investor Risk Disclosure
+  - FRE-5429: Supporting docs (Cookie, AUP, Dispute)
+- Budget: $15K for counsel review
+- Timeline: 4 weeks to production-ready