diff --git a/contracts/claims-processor/src/lib.rs b/contracts/claims-processor/src/lib.rs
index 2aab984..3984e5b 100644
--- a/contracts/claims-processor/src/lib.rs
+++ b/contracts/claims-processor/src/lib.rs
@@ -1367,6 +1367,24 @@ impl ClaimsProcessor {
         );
     }
 
+    /// Explicitly reject a claim and emit a claim_rejected event with reason code (#695).
+    pub fn reject_claim(env: Env, admin: Address, claim_id: u128, reason: Symbol) {
+        Self::require_admin(&env, &admin);
+        let mut claim: Claim = env.storage().persistent()
+            .get(&StorageKey::Claim(claim_id))
+            .unwrap_or_else(|| panic_with_error!(&env, Error::ClaimNotFound));
+        claim.status = ClaimStatus::Rejected;
+        let claim_key = StorageKey::Claim(claim_id);
+        env.storage().persistent().set(&claim_key, &claim);
+        Self::extend_claim_ttl(&env, &claim_key);
+        Self::remove_from_pending(&env, claim_id);
+
+        env.events().publish(
+            (Symbol::new(&env, "claim_rejected"),),
+            (claim_id, claim.policy_id, reason),
+        );
+    }
+
     // ── Queries ───────────────────────────────────────────────────────────────
 
     /// Return the `Claim` record for the given `claim_id`. Panics with `ClaimNotFound` if it does not exist.
diff --git a/contracts/governance-dao/src/lib.rs b/contracts/governance-dao/src/lib.rs
index 935f2a8..e7770f0 100644
--- a/contracts/governance-dao/src/lib.rs
+++ b/contracts/governance-dao/src/lib.rs
@@ -1952,6 +1952,11 @@ impl GovernanceDao {
             panic_with_error!(&env, Error::EmptyDescription);
         }
 
+        // Validate template payload structure (#694)
+        if min_title_len == 0 || min_title_len > 256 || required_arg_count > 64 {
+            panic_with_error!(&env, Error::InvalidParameter);
+        }
+
         if env.storage().instance().has(&StorageKey::Template(name.clone())) {
             panic_with_error!(&env, Error::DuplicateTemplateName);
         }
diff --git a/contracts/policy-engine/src/lib.rs b/contracts/policy-engine/src/lib.rs
index 171b981..40b1bb2 100644
--- a/contracts/policy-engine/src/lib.rs
+++ b/contracts/policy-engine/src/lib.rs
@@ -1607,6 +1607,13 @@ impl PolicyEngine {
             .set(&StorageKey::PendingAdminSince, &env.ledger().timestamp());
     }
 
+    /// Cancel a pending admin transfer during the timelock window (#692).
+    pub fn cancel_admin_transfer(env: Env, admin: Address) {
+        Self::require_admin(&env, &admin);
+        env.storage().instance().remove(&StorageKey::PendingAdmin);
+        env.storage().instance().remove(&StorageKey::PendingAdminSince);
+    }
+
     /// Accept the proposed admin. Only the proposed admin can call this, and
     /// only once `ADMIN_TRANSFER_TIMELOCK` has elapsed since the transfer was
     /// proposed (issue #356).
diff --git a/contracts/risk-pool/src/lib.rs b/contracts/risk-pool/src/lib.rs
index 6447eea..0e217c2 100644
--- a/contracts/risk-pool/src/lib.rs
+++ b/contracts/risk-pool/src/lib.rs
@@ -1725,13 +1725,16 @@ impl RiskPool {
         env.storage().persistent().get(&StorageKey::LpPosition(provider))
     }
 
-    /// Return the pool utilisation rate in basis points (locked / deposited × 10,000).
+    /// Return the pool utilisation rate in basis points ((locked + queued_exits) / deposited × 10,000).
+    /// Includes committed exit queue shares in utilization calculation (#693).
     /// Returns 0 if no USDC has been deposited.
     pub fn get_utilization_rate(env: Env) -> u32 {
         let deposited: i128 = env.storage().instance().get(&StorageKey::TotalDeposited).unwrap_or(0);
         let locked: i128    = env.storage().instance().get(&StorageKey::TotalLocked).unwrap_or(0);
+        let queued_exits: i128 = env.storage().instance().get(&StorageKey::QueuedExitShares).unwrap_or(0);
         if deposited == 0 { return 0; }
-        let util_bps = locked.checked_mul(10_000)
+        let effective_locked = locked.saturating_add(queued_exits);
+        let util_bps = effective_locked.checked_mul(10_000)
             .and_then(|v| v.checked_div(deposited))
             .unwrap_or(0);
         // Saturate to u32::MAX if the result exceeds u32 range