@cfxlabsinc/b2b-services
    Preparing search index...
    OPERATOR_OWED_REASONS: readonly [
        "HANDOVER_FAILED",
        "PROVISIONING_FAILED",
        "LINK_EXPIRED",
        "IN_REVIEW",
        "DECLINED",
    ] = ...

    Reasons whose next step is a CFX operator's, which the admin queue's Needs action shows. WAITING_ON_APPLICANT is the applicant's to take.