Concept B — Rebuilt wizard. The current one-question-per-screen register flow, kept as the pattern but rebuilt: a data-driven step list that branches (home value only for owners, mortgage only for owners with a mortgage), an honest "Step n of N" counter, a Skip on every step, a why-we-ask line, a real DD/MM/YYYY date, the connectable-provider message on KiwiSaver, and the invite's 422 states inline. Back works on web, not just native.

• Starts at the first NEW step (age) — Goal, Password, Phone and Source precede it exactly as today.
• No app chrome: this is pre-app, before the paywall and bank connection.