Reasoning. Setting: the stopped hole sits in degenerate-electron fluid with embedded C/O nuclei, rho ~ 10^7 g/cm^3, a_WD ~ 10^-10 cm, thermal velocities v_T >~ 3 x 10^-4; cores crystallize only at 0.6 Gyr, after the relevant times. Subatomic phase: same electromagnetic-competition formalism as Earth with K/(m M_0^2) ~ 1.2 x 10^-18 gives t_EM = 1.5 x 10^-7 s (D=5), 0.09 s (D=6), 6 x 10^4 s (D=7) to reach a_WD — negligible. Bondi phase: white-dwarf parameters d_0 = 1.4 x 10^-6 s, c_s = 1.4 x 10^-2 make d_0 c_s ~ 1.5 x 10^-4 of Earth’s value, so all Earth Bondi timescales carry over divided by 5 x 10^6 yr, and even the unrealistic constant-R_D variant only multiplies this by (R_C/R_D)^2 ~ 400, still <~ Gyr for R_C >~ 30 Angstrom. The clean general relation: t_Earth/t_WD ~ [d_0 c_s (Earth)/d_0 c_s (WD)] x [lambda_4(WD)/lambda_4(Earth)] ~ 1.9 x 10^4 (Gamma = 5/3 Earth, 4/3 WD). Direction of all approximations: slowest-possible star accretion (constant-R_D transition modeling, no Eddington limit assumed for the star, liquid-phase medium) versus fastest-possible Earth accretion — so the ratio, and hence the exclusion, is conservative. Physical reinforcements: white-dwarf matter is liquid (Earth’s is partly solid, cohesion neglected only for Earth) and vastly denser with higher internal pressure. Endgame: once the hole exerts large-scale influence the evolution may deviate from Bondi but in any case disrupts the star — the observable that Gyr-old massive white dwarfs contradict. A captured minimum-mass primordial black hole would eat a white dwarf in ~1.8 Gyr, a side-prediction consistent with their observed abundance.10^4: D = 6 phases of 8/lambda_6, 4 x 10^2/lambda_4, 15/lambda_4 yr; D = 7 phases up to 6 x 10^7/lambda_4 yr — under 80 Myr even at the largest relevant M_D ~ 4.7 TeV, and 2-4x faster in 1.1-1.2 Msun stars (higher central density). Warped/general case: growth is dominated by the crossover radius, t_w ~ (16 pi c_s d_0 / lambda_4)(M_4/M_0)^2 / (M_0 R_C); R_C > 15 Angstrom gives t_WD <
Step 6 verdict
Verdict: approved (checked). Load-bearing step: the dichotomy - any (D, M_D, R_C) configuration whose Earth accretion completes within the solar lifetime has white-dwarf accretion faster by t_Earth/t_WD ~ 1.9e4, contradicting observed >~Gyr white-dwarf ages. Traced: the Bondi time scaling t ~ d_0 c_s / lambda carries over because the identical 4D/warped crossover formalism governs both bodies, and the stated approximation directions (slowest-possible star, fastest-possible Earth) make the ratio conservative. Conditional premises - holes are produced and stopped in WDs (A-49/A-50), no radiative throttling (A-53), Bondi applicability in the degenerate liquid - are premises priced in steps 7-8. Undercutting candidates (Eddington limit, Earth-solid vs WD-liquid asymmetry) attack premises, not the inference, and are addressed by companion arguments. Valid.