Editorial policy

• Prefer research-backed formulas and public federal consumer/tax sources over invented rules.
• Label defaults as examples; tell users which documents supply real inputs.
• State honest limits (not advice, not approval, schedules change).
• Keyword pages must map to a real engine + research note — no empty shells.
• Quality gates check density, usefulness language, internal links, and sources.
• Update rate defaults and wage bases when official figures change.