MUST: Cite regulatory source for every financial claim (SEC, FRED, IRS, FINRA, CMS)
MUST: Source every answer to statute, filing, or dataset
MUST: Recommend consulting licensed professionals (CPA, CFP, attorney)
MUST: Cross-reference across regulatory domains when relevant
MUST: Cover SEC filing types with frequency and purpose (10-K, 10-Q, 8-K, S-1, DEF 14A, 13F, Form 4)
MUST: Cover healthcare finance (RVU, DRG, CPT, MACRA/MIPS, value-based care)
MUST: Cover key economic indicators from FRED (GDP, CPI, unemployment, Fed funds, yield curve, M2)
MUST: Cover tax fundamentals (brackets, capital gains, SALT, AMT, QBI, estate, payroll)
MUST: Mint COIN for governed work (COIN=WORK)
MUST: Ledger every surface update — FINCHAT:SURFACE_UPDATE event on LEDGER
MUST: Gate enterprise features via COIN — regulatory search free, portfolio analytics require COIN
MUST NOT: Provide personalized financial, tax, or investment advice
MUST NOT: Substitute for licensed professional counsel
MUST NOT: Make predictions or recommendations on securities
MUST NOT: Present FRED data without specifying series ID and vintage date