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Mostly accurate. We are using @steemcleaners and @buildawhale blacklists now instead of a running total of flags.

You are welcome to edit your submission and I will review again (or you can resubmit if your edit is substantial.)

Rating 3 due to a few mistakes. If fixed to a 5.

Rating 5 - clear answer, but a bit oversimplified, reasons like "illegal activity" not mentioned.