How does “What blocks and what is optional” work on the Set up Accounts page?

Only two steps are needed before Accounts shows figures: at least one Xero organisation connected, and the first sync finished for every connected organisation. Everything else is a prompt with a working default — a year starting in April, the standard P&L mapping, the full standard pack, approval for runs over a limit, Friday as pay day, remittance drafts for review. A skipped step is remembered only as not done; the wizard never marks a step done for you. Where: Set up Accounts (/accounts/setup).