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Stage 2 Sealed

Status: SEALED as of 2026-01-28 Stage 2 (business onboarding readiness + PEPM assignments) is now certified and sealed. See docs/STAGE2_CERTIFICATION.md for full certification details. Certified baseline: Tag stage2-certified-2026-01-28 (commit 14ce860) Any changes to Stage 2 code paths require explicit hotfix justification and re-certification.