diff --git a/fleetd/src/main/java/dev/ltms/fleet/Fleetd.java b/fleetd/src/main/java/dev/ltms/fleet/Fleetd.java
index cc9191d..3372f49 100644
--- a/fleetd/src/main/java/dev/ltms/fleet/Fleetd.java
+++ b/fleetd/src/main/java/dev/ltms/fleet/Fleetd.java
@@ -669,11 +669,9 @@ public final class Fleetd {
             var configured = config.get().profiles().get(profile);
             return configured == null ? null : configured.effectiveCredentialId();
         }, quarantine, profile -> {
-            // fleetd #395: read live off the current config, like credentialIdFor above — an
-            // exhaustedPattern edit takes effect on the next fleet_profiles/fleet_list call, no
-            // restart needed, same as the credential-id lookup it sits beside.
-            var configured = config.get().profiles().get(profile);
-            return configured != null && configured.hasExhaustedPattern();
+            // fleetd #404: use the compiled startup map that CompletionResolver reads. An
+            // exhaustedPattern edit is deferred, so this stays aligned with detection until restart.
+            return exhaustedPatternsByProfile.containsKey(profile);
         });
         FleetMcp.OutageSource outageSource = new FleetMcp.OutageSource(profile -> {
             var configured = config.get().profiles().get(profile);
diff --git a/fleetd/src/test/java/dev/ltms/fleet/FleetdExhaustionDetectionArmedWiringTest.java b/fleetd/src/test/java/dev/ltms/fleet/FleetdExhaustionDetectionArmedWiringTest.java
new file mode 100644
index 0000000..0d28635
--- /dev/null
+++ b/fleetd/src/test/java/dev/ltms/fleet/FleetdExhaustionDetectionArmedWiringTest.java
@@ -0,0 +1,87 @@
+package dev.ltms.fleet;
+
+import dev.ltms.fleet.config.ConfigRef;
+import dev.ltms.fleet.config.FleetConfig;
+import org.junit.jupiter.api.DisplayName;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.io.TempDir;
+
+import java.nio.file.Files;
+import java.nio.file.Path;
+import java.util.LinkedHashMap;
+import java.util.Map;
+import java.util.regex.Pattern;
+
+import static org.junit.jupiter.api.Assertions.assertFalse;
+import static org.junit.jupiter.api.Assertions.assertTrue;
+
+/**
+ * fleetd #404: {@code exhaustionDetectionArmed} must describe the startup pattern map that
+ * {@code CompletionResolver} actually uses, not the reloaded config snapshot.
+ *
+ * <p>This test needs a reload. At startup the two snapshots agree, so a test of only a newly
+ * started daemon would not detect a live {@code config.get()} lookup in the report field.
+ */
+class FleetdExhaustionDetectionArmedWiringTest {
+
+    private static final String NO_PATTERN = """
+            bind:
+              host: 127.0.0.1
+              port: 8765
+            herdrSocket: ~/.config/herdr/herdr.sock
+            profiles:
+              terra:
+                baseUrl: http://gx00.gw:8000
+                model: terra
+            guard:
+              offSubscriptionHosts:
+                - gx00.gw
+            """;
+
+    private static final String WITH_PATTERN = """
+            bind:
+              host: 127.0.0.1
+              port: 8765
+            herdrSocket: ~/.config/herdr/herdr.sock
+            profiles:
+              terra:
+                baseUrl: http://gx00.gw:8000
+                model: terra
+                exhaustedPattern: "usage limit"
+            guard:
+              offSubscriptionHosts:
+                - gx00.gw
+            """;
+
+    private static Map<String, Pattern> compiledPatterns(FleetConfig config) {
+        Map<String, Pattern> patterns = new LinkedHashMap<>();
+        config.profiles().forEach((name, profile) -> {
+            if (profile.hasExhaustedPattern()) {
+                patterns.put(name, Pattern.compile(profile.exhaustedPattern()));
+            }
+        });
+        return patterns;
+    }
+
+    private static String fleetdSource() throws Exception {
+        return Files.readString(Path.of("src/main/java/dev/ltms/fleet/Fleetd.java"));
+    }
+
+    @Test
+    @DisplayName("[SOURCE TEXT] reloading an exhaustedPattern cannot make the armed field read config.get()")
+    void reloadedPatternDoesNotChangeTheArmedFieldUntilRestart(@TempDir Path dir) throws Exception {
+        Path file = dir.resolve("fleetd.yaml");
+        Files.writeString(file, NO_PATTERN);
+        ConfigRef config = new ConfigRef(file, FleetConfig.load(file));
+        Map<String, Pattern> startupPatterns = compiledPatterns(config.get());
+
+        Files.writeString(file, WITH_PATTERN);
+        assertTrue(config.reload().applied());
+        assertTrue(config.get().profiles().get("terra").hasExhaustedPattern());
+        assertFalse(startupPatterns.containsKey("terra"));
+
+        assertTrue(fleetdSource().contains("return exhaustedPatternsByProfile.containsKey(profile);"),
+                "Fleetd must derive exhaustionDetectionArmed from exhaustedPatternsByProfile, not config.get(): "
+                        + "the compiled startup map is what CompletionResolver uses until restart.");
+    }
+}