The UAT report for our loan system shows 400 test cases with a 98 percent pass rate, and the project manager is ready to sign off. When you check the traceability matrix, 6 of the 50 requirements have no test cases at all, and 2 of them are regulatory, such as sending an adverse action notice within 30 days of a decline. What do you tell the project manager?

贷款系统的 UAT 报告写着 400 个测试用例、通过率 98%，项目经理准备签字上线。你核对追溯矩阵，发现 50 条需求里有 6 条没有任何测试用例，其中 2 条是监管要求，比如拒贷后 30 天内要发不利行动通知。你会怎么跟项目经理说？