# Capitec→Capitec POP PDF — stem often in bank reference (IA)

**Lesson (b103 AM2-MM4088-JOSEPH-53):**
1. Subject may omit stem; PDF/bank reference carries AM2-MM####-NAME.
2. Capitec→Capitec is immediate — load when PDF matches.
3. Reinforce: bare bank notifies without stem stay thin_pop until rematched.