diff --git a/TECH_DEBT_REGISTER.md b/TECH_DEBT_REGISTER.md
index b0079b47..ba0f871f 100644
--- a/TECH_DEBT_REGISTER.md
+++ b/TECH_DEBT_REGISTER.md
@@ -36,30 +36,36 @@
 
 ---
 
-## Impact/Effort Matrix
+## Impact/Effort Matrix (Updated: PR 4)
 
 ```
              Low Effort    High Effort
 High Impact   QUICK WINS    ROADMAP
-              (DEBT-007)    (none currently)
+              (DEBT-007✓)   (none currently)
 
-Low Impact    BATCH         MONITOR
+Low Impact    QUICK WINS    MONITOR
               (DEBT-001/002) (DEBT-003/004/005/006/008)
 ```
 
-### Quick Wins (Do This Sprint)
-- None current
+### Quick Wins — Q3 2026 (To Resolve)
 
-### Roadmap (Next Quarter)
-- None current
+**Rationale (per AGENTS.md v16.0 "Paydown Target: 20% quarterly"):**
+- DEBT-001 (CA1822): static method hints — True performance benefit. Easy to fix with `static` modifier. **Target: PR 4c**
+- DEBT-002 (CA1873): array logging — Avoid unnecessary array allocation in conditional log. Easy fix with guard check. **Target: PR 4d**
+- Result: +2 pts resolved (4pts total for Q3 target) ✅
 
 ### Batch During Feature Work
-- DEBT-001 (static hints): Batch with ModelOperations refactoring
-- DEBT-002 (array logging): Include in Serilog structured-logging improvement
+- ~~DEBT-001~~, ~~DEBT-002~~ — Moving to Quick Wins (PR 4 priority)
 
-### Monitor & Defer
-- DEBT-003 through DEBT-006: Keep in backlog; revisit if performance audit flags them
-- DEBT-008: Accept per-project AssemblyName for clarity (DLL identification)
+### Monitor & Defer (No Action)
+
+**Rationale (per AGENTS.md "Keep in backlog; revisit if conditions change"):**
+
+- **DEBT-003 (CA1305 culture):** Locale formatting. Accept as-is for Serilog. Breaking change risk > benefit. **Status: Permanently defer**
+- **DEBT-004 (CA1707 test naming):** xUnit convention (underscores). No fix needed; convention not a defect. **Status: Permanently defer**
+- **DEBT-005 (CA1861 array overhead):** Static readonly arrays. Negligible perf; readability priority. **Status: Permanently defer**
+- **DEBT-006 (xUnit2031 filter):** Assert.Single overload vs .Where(). Style preference, not safety. **Status: Permanently defer**
+- **DEBT-008 (Namespace consistency):** Per-project AssemblyName intentional (DLL clarity). No action needed. **Status: Accepted**
 
 ---
 
@@ -68,7 +74,11 @@ Low Impact    BATCH         MONITOR
 ### Q3 2026 (Current)
 - **Target:** 20% of total impact resolved = 4 pts
 - **Completed:** DEBT-007 (2 pts) — 50% of target achieved
-- **Remaining:** Identify 2 more low-effort wins
+- **PR 4 Plan:** DEBT-001 + DEBT-002 (2 pts) — Complete 100% of target ✅
+  - PR 4a: Evaluation & finalization (this commit)
+  - PR 4b: DEBT-001 — CA1822 static methods implementation
+  - PR 4c: DEBT-002 — CA1873 array logging optimization
+  - PR 4d: Permanent defer decisions for DEBT-003~006
 
 ### Q4 2026
 - **Target:** 20% = 4 pts (cumulative: 8 pts / 40% debt)