diff --git a/src/api/config.js b/src/api/config.js
index 738ac1c..3790bf2 100644
--- a/src/api/config.js
+++ b/src/api/config.js
@@ -54,16 +54,23 @@ export const DV_LEAD = 'zk-dv-lead'
  * `by` is presentational ONLY. Nothing here enforces anything: the workflow
  * refuses server-side and the console reports what it said. Showing an action
  * the signed-in user cannot perform is deliberate — the refusal is the demo.
+ *
+ * This map is hand-maintained against workflow.tbl_wf_state_allowed_activities.
+ * An activity added to the workflow but not added here is simply invisible:
+ * the platform allows it, the console never offers it, and nothing errors.
+ * Collect Documents shipped in that state for one round.
  */
 export const ACTIONS = {
   'zk-state-new':       [{ uid: 'zk-act-qualify',       label: 'Qualify Lead',                by: 'Intake AI' }],
   'zk-state-qualified': [{ uid: 'zk-act-contact',       label: 'Log Contact',                 by: 'Engage AI' }],
-  'zk-state-contacted': [{ uid: 'zk-act-capture-sme',   label: 'Capture SME Risk',            by: 'Engage AI' },
+  'zk-state-contacted': [{ uid: 'zk-act-collect-docs',  label: 'Collect Documents',           by: 'Anyone — self-loop' },
+                         { uid: 'zk-act-capture-sme',   label: 'Capture SME Risk',            by: 'Engage AI' },
                          { uid: 'zk-act-capture-motor', label: 'Capture Motor Risk',          by: 'Engage AI' }],
   'zk-state-risk':      [{ uid: 'zk-act-advise',        label: 'AI Cover Recommendation',     by: 'Advisor AI' },
                          { uid: 'zk-act-quote',         label: 'Generate Quote',              by: 'Rating engine' }],
   'zk-state-quoted':    [{ uid: 'zk-act-accept',        label: 'Accept Proposal',             by: 'Customer' }],
-  'zk-state-accepted':  [{ uid: 'zk-act-kyc',           label: 'Verify KYC',                  by: 'KYC AI' }],
+  'zk-state-accepted':  [{ uid: 'zk-act-collect-docs',  label: 'Collect Documents',           by: 'Anyone — self-loop' },
+                         { uid: 'zk-act-kyc',           label: 'Verify KYC',                  by: 'KYC AI' }],
   'zk-state-kyc':       [{ uid: 'zk-act-uw-screen',     label: 'Underwriting Screen',         by: 'Rules' }],
   'zk-state-referred':  [{ uid: 'zk-act-uw-prepare',    label: 'Prepare Referral',            by: 'Referral AI' },
                          { uid: 'zk-act-uw-clear',      label: 'Clear Referral',              by: 'Underwriter' },