<?xml version="1.0" encoding="UTF-8"?>
<!-- Onboarding: one journey of the model at https://umi-graph.com/journeys/onboarding/, as State Chart XML at https://umi-graph.com/journeys/onboarding/scxml.xml.
     Each state realizes one condition on the lifecycle ladder; each transition is a legal move the
     model asserts, named by the observed events that trigger it. The initial state is the position
     the journey declares it begins at. -->
<scxml xmlns="http://www.w3.org/2005/07/scxml" version="1.0" datamodel="null" initial="jst-012">
  <state id="jst-012"> <!-- Committed: realizes Committed, on the Conversion rung -->
    <transition event="fulfilment-outcome" target="jst-013"/> <!-- Committed to Onboarding -->
  </state>
  <state id="jst-013"> <!-- Onboarding: realizes Onboarding, on the Retention rung -->
    <transition event="consumer-authentication" target="jst-014"/> <!-- Onboarding to Active -->
    <transition event="window-elapsed" target="jst-017"/> <!-- Onboarding to Never activated -->
  </state>
  <state id="jst-014"> <!-- Active: realizes Account Holder, on the Retention rung -->
  </state>
  <state id="jst-017"> <!-- Never activated: realizes Lapsed, on the Retention rung -->
  </state>
</scxml>
