Information Relational Manifestation Theory (IRMT) seeks a common microscopic description of quantum actualization, gauge matter, fermion structure, spacetime geometry, and their observable manifestations. A major intermediate closure was obtained in IRMT XVII, Compact Determinant Closure and the Finite Charged-Lepton Triplet, where compact determinant-line dynamics were completed in the finite/countable retained-record domain using winding records, a naturality-forced support response, and completed-record protection of the determinant-line metric. That construction removed several previously free response coefficients and established a finite determinant-current action, but it did not by itself derive the complete physical preparation and matter-geometry response law. This paper reports the subsequent development of the microscopic-action programme. The post-XVII sequence first extends the finite carrier architecture to one anomaly-free chiral quark-lepton family with the Standard-Model hypercharge pattern, and formulates generation triplicity, sector mass operators, and mixing structurally in terms of contextual records, restricted Hessians, and overlaps of contextual eigenbases. A route-soldered representation of the primitive causal event then embeds the binary event coherently in the existing CERP transporter and permits a conditional live variational source without adding a duplicate dynamical sector. The central new result arises when the static one-body matter description is replaced by the full correlated oscillator/CAR state required by the interacting finite model. In this state class, a nonzero signed radial geometry source appears. At oscillator cutoff n_max=6, the retained bare radial covectors are f_r^((u) )=-0.00160613531497889, f_r^((d) )=-0.00152452642404726, with n_max=5 to 6 changes below 1.2×10^(-11). Replacing the correlated state by the static CAR projector reduces the corresponding radial derivatives to approximately 8.6×10^(-13) and 8.3×10^(-13), respectively. The local source is therefore correlation-generated in this finite representative rather than an artifact of the former static projector approximation. The subsequent audits show, however, that the propagated response is not invariant under the admitted off-shell completion family. Exact clock elimination followed by continuation from completion parameter λ=0 to 0.1 changes the response vector by 3.1313% in the u sector and 1.6345% in the d sector. Simple repairs based on endpoint terms, a lone cyclic clock, compact holonomy, lapse-only modifications, or an uninserted real contour junction fail in their declared classes. A later equivalence theorem shows that unique microscopic preparation hardware is unnecessary: equal relevant first and second derivatives of a single total causal action or influence instrument, together with the same boundary prescription and observable dictionary, suffice for equal local mean response and Gaussian covariance. The physical target is therefore an equivalence class of phase-sensitive preparation instruments rather than a unique microscopic apparatus. Record-conditioning audits further show that prepared endpoints are not later records and that complete record response requires both conditional-mean and outcome-weight derivatives; for the tested old-record diagnostic these cancel to numerical zero without cancelling the correlation-generated radial source. Finally, a conserving-source construction demonstrates that even complete energy statistics do not determine the radial force. Source preparations with identical energy probability densities and identical delivered energy distributions but different spectral phases generate different radial source slopes. The missing datum is consequently narrowed to phase-sensitive source coherence relative to the event coupling and readout, together with its geometry and lapse dependence. The present status is therefore neither microscopic closure nor failure of the programme. The finite architecture now contains an explicit correlation-generated matter-geometry source and a substantially narrowed obstruction. The remaining central task is to derive a phase-sensitive preparation law whose single causal functional generates the event write, energy and coherence transfer, boundary covector, radial and lapse vertices, mixed contacts, memory handoff, record weights, and conservation identity without fitting to masses, mixing, gravity, cosmology, or the desired internal response. Only after this PREP-PHYS / COMMON-ACTION gate is passed can a physical registered-live response, continuum limit, and independent empirical prediction be claimed. ( direct link )