YMYL: when Google holds you to higher standards

# ============================================
# YMYL FRAMEWORK CLIENT VARIABLES
# ============================================

# --- Business Classification (REQUIRED) ---
business_name: ""
primary_domain: ""
business_industry: ""
state_of_operation: ""               # Primary state — affects regulatory framework
states_served: []                    # All states where the business operates

# --- YMYL Classification (REQUIRED) ---
ymyl_overall_classification: ""      # "full_ymyl", "partial_ymyl", "lite_ymyl", "non_ymyl"
ymyl_categories: []                  # Categories applicable to this site:
                                     # "health_medical", "mental_health", "fitness_nutrition",
                                     # "financial_advice", "investing", "tax", "banking", "insurance",
                                     # "legal_advice", "civic_government", "elections",
                                     # "safety_personal", "safety_occupational",
                                     # "major_life_decisions", "news_current_events",
                                     # "shopping_ecommerce"

# --- Content Inventory (REQUIRED for audit) ---
total_content_pieces: 0
ymyl_content_pieces: 0
ymyl_content_percentage: 0.0
ymyl_content_types: []               # "articles", "calculators", "tools", "directories", etc.

# --- Author/Reviewer Credentials (REQUIRED for full YMYL) ---
primary_authors:
  - name: ""
    credentials: []                  # Required: degrees, licenses, board certifications
    license_number: ""               # Where applicable (medical, legal, financial)
    license_state: ""                # Where applicable
    license_verification_url: ""     # Public verification link
    years_practicing: 0
    specialty_areas: []
    conflicts_of_interest: []

medical_reviewers:                   # Required for health YMYL
  - name: ""
    credentials: []                  # MD, RN, NP, DO, PhD, etc.
    license_number: ""
    license_state: ""
    npi_number: ""                   # National Provider Identifier
    specialty: ""
    affiliations: []                 # Hospital systems, academic institutions

legal_reviewers:                     # Required for legal YMYL
  - name: ""
    bar_admission: []                # State(s) where admitted
    bar_number: ""
    practice_areas: []
    firm_affiliation: ""

financial_reviewers:                 # Required for finance YMYL
  - name: ""
    credentials: []                  # CFP, CFA, CPA, ChFC, RIA registration
    sec_registration: ""             # If applicable
    finra_crd: ""                    # If applicable
    state_registrations: []
    specialty: ""

# --- Compliance Posture (REQUIRED) ---
hipaa_applicable: false              # Health entities subject to HIPAA
ferpa_applicable: false              # Educational records
glba_applicable: false               # Financial services
sox_applicable: false                # Public companies
fcra_applicable: false               # Consumer reporting
finra_member: false                  # Securities-related
sec_registered: false                # Investment advisor
state_insurance_licensed: []         # States with insurance license
attorney_advertising_compliant: false # If legal services

# --- Editorial Process (REQUIRED) ---
has_editorial_policy: false
has_corrections_policy: false
has_fact_checking_process: false
fact_checking_methodology: ""        # Brief description
review_cadence: ""                   # "monthly", "quarterly", "biannually", "annually"
content_source_standards: ""         # "primary_only", "primary_plus_secondary", etc.

# --- Disclosures (REQUIRED) ---
has_medical_disclaimer: false
has_financial_disclaimer: false
has_legal_disclaimer: false
has_general_advice_disclaimer: false
has_advertising_disclosure: false
has_affiliate_disclosure: false
has_sponsored_content_disclosure: false
has_ai_use_disclosure: false
has_conflict_of_interest_disclosure: false
has_results_may_vary_disclaimer: false  # For testimonials/case studies

# --- AI Use in YMYL Content (REQUIRED) ---
uses_ai_in_ymyl_content: false
ai_review_protocol_for_ymyl: ""      # If true: must describe stricter review for YMYL specifically

# --- Existing Compliance Documentation ---
last_legal_review_date: ""
legal_counsel_firm: ""
last_compliance_audit_date: ""
known_compliance_gaps: []

Does the content cover any of the following?

├── Health & Medical
│   ├── Diagnosis or treatment of medical conditions → YMYL (health, full)
│   ├── Medication information, dosing, side effects → YMYL (health, full)
│   ├── Mental health advice or crisis information → YMYL (mental health, full)
│   ├── Nutrition advice with health claims → YMYL (health, partial)
│   ├── Fitness routines with injury risk → YMYL (health, partial)
│   ├── Supplements with medical claims → YMYL (health, full)
│   ├── Pregnancy, parenting infant care → YMYL (health, full)
│   ├── Veterinary medical advice → YMYL (health, partial)
│   └── General wellness lifestyle content → Non-YMYL (be cautious)
│
├── Financial
│   ├── Specific investment recommendations → YMYL (finance, full)
│   ├── Tax advice or strategy → YMYL (finance, full)
│   ├── Retirement planning advice → YMYL (finance, full)
│   ├── Loan/mortgage/credit advice → YMYL (finance, full)
│   ├── Insurance advice or comparisons → YMYL (finance, full)
│   ├── Cryptocurrency advice → YMYL (finance, full)
│   ├── General financial education → YMYL (finance, partial)
│   ├── Personal finance budgeting tips → YMYL (finance, partial)
│   └── Reviews of financial products → YMYL (finance, partial)
│
├── Legal
│   ├── Specific legal advice for situations → YMYL (legal, full)
│   ├── Court procedures and rights → YMYL (legal, full)
│   ├── Immigration guidance → YMYL (legal, full)
│   ├── Family law (divorce, custody) → YMYL (legal, full)
│   ├── Criminal law information → YMYL (legal, full)
│   ├── Estate planning/wills → YMYL (legal, full)
│   ├── Business legal information → YMYL (legal, partial)
│   ├── Legal directory listings → YMYL (legal, partial)
│   └── General "what is X law" reference → YMYL (legal, partial)
│
├── Civic & Government (expanded September 2025)
│   ├── Election information, voter rights → YMYL (civic, full)
│   ├── Government services and benefits → YMYL (civic, full)
│   ├── Public health information → YMYL (civic + health, full)
│   ├── Civic institutional information → YMYL (civic, full)
│   ├── Tax filing and government forms → YMYL (civic + finance, full)
│   └── Political opinion content → Non-YMYL (but information integrity matters)
│
├── Safety
│   ├── Personal safety (assault, abuse) → YMYL (safety, full)
│   ├── Occupational safety → YMYL (safety, full)
│   ├── Driving and vehicle safety → YMYL (safety, partial)
│   ├── Home safety (electrical, gas, structural) → YMYL (safety, partial)
│   ├── Drug/substance information → YMYL (safety + health, full)
│   ├── Outdoor/wilderness safety → YMYL (safety, partial)
│   └── Child safety → YMYL (safety, full)
│
├── Major Life Decisions
│   ├── Career changes and education → YMYL (significant)
│   ├── Relationship and divorce decisions → YMYL (significant)
│   ├── Major purchases (home, car) → YMYL (significant + finance)
│   ├── Adoption or fertility → YMYL (significant + health)
│   └── End-of-life planning → YMYL (significant + legal)
│
├── News & Current Events
│   ├── Breaking news with safety implications → YMYL (news, full)
│   ├── Investigative journalism → YMYL (news, full)
│   ├── Public health announcements → YMYL (news + health, full)
│   ├── Election coverage → YMYL (news + civic, full)
│   └── Entertainment news → Non-YMYL
│
└── E-Commerce
    ├── Health products, supplements → YMYL (lite + health-adjacent)
    ├── Financial products, insurance → YMYL (lite + finance-adjacent)
    ├── Safety equipment → YMYL (lite + safety-adjacent)
    ├── Children's products → YMYL (lite + safety-adjacent)
    └── General consumer goods → Non-YMYL (held to higher standards but not full YMYL)

url,title,primary_topic,ymyl_classification,categories,current_author,author_credentials,reviewer,reviewer_credentials,disclaimer_present,citations_present,last_review_date,risk_level,action_required
/articles/diabetes-medication-guide,Diabetes Medication Guide,health/medication,full_ymyl,"health_medical","Sarah Smith","none","none","none","partial","2025-04-15","critical","add_medical_reviewer_disclaimer_citations"

<article class="editorial-policy">
  <h1>Editorial Policy</h1>

  <p>{{BUSINESS_NAME}} is committed to publishing accurate, helpful, and well-sourced content on topics that affect our readers' {{YMYL_CATEGORIES_PROSE}}. This editorial policy describes our content creation standards, review processes, and accountability mechanisms.</p>

  <h2>Our Authors and Reviewers</h2>
  <p>{{BUSINESS_NAME}} content is created and reviewed by individuals with verifiable credentials in their subject areas:</p>
  <ul>
    {{LIST_OF_AUTHORS_WITH_CREDENTIALS}}
    {{LIST_OF_REVIEWERS_WITH_CREDENTIALS}}
  </ul>
  <p>You can verify all author and reviewer credentials on their respective <a href="/authors/">author profile pages</a>.</p>

  <h2>Content Creation Process</h2>
  <ol>
    <li><strong>Topic selection:</strong> {{TOPIC_SELECTION_PROCESS}}</li>
    <li><strong>Research:</strong> {{RESEARCH_STANDARDS_PROSE}}</li>
    <li><strong>Drafting:</strong> {{DRAFTING_PROCESS_PROSE}}</li>
    <li><strong>Expert review:</strong> {{EXPERT_REVIEW_PROCESS_PROSE}}</li>
    <li><strong>Fact-checking:</strong> {{FACT_CHECKING_PROCESS_PROSE}}</li>
    <li><strong>Editorial review:</strong> {{EDITORIAL_REVIEW_PROCESS_PROSE}}</li>
    <li><strong>Publication:</strong> {{PUBLICATION_PROCESS_PROSE}}</li>
    <li><strong>Ongoing review:</strong> {{ONGOING_REVIEW_CADENCE_PROSE}}</li>
  </ol>

  <h2>Source Standards</h2>
  <p>For {{YMYL_CATEGORY}} content, we cite from primary sources:</p>
  <ul>
    {{IF_HEALTH}}<li>Peer-reviewed medical journals indexed in PubMed</li>{{/IF}}
    {{IF_HEALTH}}<li>FDA, NIH, CDC, and WHO official publications</li>{{/IF}}
    {{IF_FINANCE}}<li>SEC filings and EDGAR records</li>{{/IF}}
    {{IF_FINANCE}}<li>IRS publications and Treasury guidance</li>{{/IF}}
    {{IF_FINANCE}}<li>Federal Reserve, FDIC, and CFPB publications</li>{{/IF}}
    {{IF_LEGAL}}<li>Primary case law via Westlaw/LexisNexis/CourtListener</li>{{/IF}}
    {{IF_LEGAL}}<li>Federal and state statutes and regulations</li>{{/IF}}
    {{IF_LEGAL}}<li>Bar association ethics opinions</li>{{/IF}}
  </ul>

  <h2>Disclosures and Independence</h2>
  <p>{{BUSINESS_NAME}} maintains editorial independence. {{INDEPENDENCE_STATEMENT_PROSE}}</p>
  <p>When commercial relationships exist, they are disclosed at the article level. See our <a href="/disclosure/">full disclosures policy</a>.</p>

  <h2>Limitations and Disclaimers</h2>
  <p>Our content is informational and educational. {{TOPIC_SPECIFIC_DISCLAIMER_PROSE}}</p>
  <p>See: <a href="/medical-disclaimer/">Medical Disclaimer</a>, <a href="/financial-disclaimer/">Financial Disclaimer</a>, <a href="/legal-disclaimer/">Legal Disclaimer</a>.</p>

  <h2>Corrections and Updates</h2>
  <p>If you find an error in our content, please contact us. See our <a href="/corrections-policy/">Corrections Policy</a> for our process.</p>

  <h2>Contact</h2>
  <p>Editorial questions: <a href="mailto:editorial@{{PRIMARY_DOMAIN}}">editorial@{{PRIMARY_DOMAIN}}</a></p>
  <p>Last reviewed: <time datetime="{{LAST_REVIEW_DATE_ISO}}">{{LAST_REVIEW_DATE_HUMAN}}</time></p>
</article>

<article class="corrections-policy">
  <h1>Corrections Policy</h1>

  <p>{{BUSINESS_NAME}} is committed to factual accuracy. When we publish errors, we correct them transparently.</p>

  <h2>How to Report an Error</h2>
  <p>If you find a factual error in any {{BUSINESS_NAME}} content, please contact us at <a href="mailto:corrections@{{PRIMARY_DOMAIN}}">corrections@{{PRIMARY_DOMAIN}}</a> with:</p>
  <ul>
    <li>The URL of the page containing the error</li>
    <li>The specific text or claim you believe is incorrect</li>
    <li>The correct information, with source if possible</li>
  </ul>

  <h2>Our Correction Process</h2>
  <ol>
    <li><strong>Acknowledge:</strong> We respond to correction requests within 2 business days.</li>
    <li><strong>Investigate:</strong> Our editorial team and (where applicable) subject matter expert reviewer evaluate the claim against primary sources.</li>
    <li><strong>Decide:</strong> If the claim is correct, we update the content. If we believe the original content was correct, we explain our reasoning.</li>
    <li><strong>Update:</strong> Corrections are made to the source content immediately.</li>
    <li><strong>Disclose:</strong> Material corrections are disclosed at the top of the article with the date of correction and the nature of the change.</li>
    <li><strong>Notify:</strong> If you reported the error, we follow up to inform you of the outcome.</li>
  </ol>

  <h2>Types of Corrections</h2>
  <dl>
    <dt>Material corrections</dt>
    <dd>Factual errors that change the meaning or recommendation of the content. These are disclosed at the top of the article and noted in our corrections log.</dd>

    <dt>Minor corrections</dt>
    <dd>Typos, grammatical errors, formatting issues. These are corrected silently.</dd>

    <dt>Updates</dt>
    <dd>Information that was correct at publication but has since changed (e.g., updated regulations). These are reflected via dateModified and noted in the article changelog.</dd>
  </dl>

  <h2>Corrections Log</h2>
  <p>We maintain a public log of all material corrections at <a href="/corrections-log/">/corrections-log/</a>.</p>

  <h2>Contact</h2>
  <p>Corrections: <a href="mailto:corrections@{{PRIMARY_DOMAIN}}">corrections@{{PRIMARY_DOMAIN}}</a></p>
</article>

<article class="medical-disclaimer">
  <h1>Medical Disclaimer</h1>

  <p>The information provided on {{BUSINESS_NAME}} ({{PRIMARY_DOMAIN}}) is for general informational and educational purposes only. <strong>It is not a substitute for professional medical advice, diagnosis, or treatment.</strong></p>

  <h2>Always Seek Professional Medical Advice</h2>
  <p>Always seek the advice of a qualified healthcare provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay seeking it because of something you have read on this website.</p>

  <h2>Emergency Situations</h2>
  <p><strong>If you think you may have a medical emergency, call 911 (or your local emergency number) or go to the nearest emergency room immediately.</strong></p>

  <p>If you are experiencing thoughts of suicide or self-harm:</p>
  <ul>
    <li>988 Suicide & Crisis Lifeline (US): Call or text 988</li>
    <li>Crisis Text Line: Text HOME to 741741</li>
    <li>International Association for Suicide Prevention: <a href="https://www.iasp.info/resources/Crisis_Centres/" rel="noopener">https://www.iasp.info/resources/Crisis_Centres/</a></li>
  </ul>

  <h2>No Doctor-Patient Relationship</h2>
  <p>Reading content on {{BUSINESS_NAME}} does not create a doctor-patient or healthcare provider relationship between you and {{BUSINESS_NAME}}, its authors, its medical reviewers, or anyone else affiliated with the site.</p>

  <h2>Individual Variation</h2>
  <p>Medical information presented on this site is general. Individual circumstances vary, and what is appropriate for one person may not be appropriate for another. Always consult with your healthcare provider before making decisions about your health.</p>

  <h2>Medications and Treatments</h2>
  <p>Information about medications, treatments, and procedures is for educational purposes. {{BUSINESS_NAME}} does not endorse or recommend any specific test, physician, product, procedure, opinion, or other information that may be mentioned on the site. Reliance on any information provided by {{BUSINESS_NAME}} is solely at your own risk.</p>

  <h2>Currency of Information</h2>
  <p>Medical knowledge evolves rapidly. While we work to keep our content current — see our <a href="/editorial-policy/">Editorial Policy</a> — information may not reflect the latest guidance. Always verify with your healthcare provider.</p>

  <h2>External Links</h2>
  <p>{{BUSINESS_NAME}} may contain links to external websites. We are not responsible for the content of those external sites and inclusion of a link does not constitute endorsement.</p>

  <h2>Editorial Standards</h2>
  <p>Our content is created by {{AUTHOR_DESCRIPTION}} and reviewed by licensed medical professionals. See our <a href="/editorial-policy/">Editorial Policy</a> for details.</p>

  <p><time datetime="{{LAST_UPDATED_ISO}}">Last updated: {{LAST_UPDATED_HUMAN}}</time></p>
</article>

<article class="financial-disclaimer">
  <h1>Financial Disclaimer</h1>

  <p>The information provided on {{BUSINESS_NAME}} ({{PRIMARY_DOMAIN}}) is for general informational and educational purposes only. <strong>It is not financial, investment, tax, or legal advice.</strong></p>

  <h2>No Personalized Advice</h2>
  <p>Nothing on this website constitutes a recommendation to buy, sell, or hold any security, investment, or other financial product. Content is general in nature and does not consider your specific financial situation, goals, or risk tolerance.</p>

  <h2>Consult Qualified Professionals</h2>
  <p>Before making financial decisions, consult with qualified professionals:</p>
  <ul>
    <li>Certified Financial Planner (CFP) for comprehensive financial planning</li>
    <li>Registered Investment Advisor (RIA) for investment advice</li>
    <li>Certified Public Accountant (CPA) or Enrolled Agent for tax advice</li>
    <li>Licensed insurance agent for insurance decisions</li>
    <li>Estate planning attorney for estate decisions</li>
  </ul>

  <h2>Past Performance Disclaimer</h2>
  <p><strong>Past performance is not indicative of future results.</strong> Investment values fluctuate, and you may lose principal. Historical examples shown for educational purposes do not guarantee similar future outcomes.</p>

  <h2>No Guarantees</h2>
  <p>{{BUSINESS_NAME}} makes no guarantees about the accuracy, completeness, timeliness, or applicability of information presented. Financial regulations, tax laws, and market conditions change frequently. Verify all information with current primary sources or qualified professionals.</p>

  <h2>Affiliate and Advertising Relationships</h2>
  <p>{{BUSINESS_NAME}} may have affiliate or advertising relationships with financial product providers. These relationships are disclosed at the article level. See our <a href="/disclosure/">full disclosures policy</a>. Such relationships do not influence editorial recommendations, but you should consider them when evaluating our content.</p>

  <h2>Securities Regulation Disclosure</h2>
  {{IF_NOT_REGISTERED_INVESTMENT_ADVISOR}}
  <p>{{BUSINESS_NAME}} is not a registered investment advisor under the Investment Advisers Act of 1940 and does not provide personalized investment advice. Information on this site is not tailored to any individual's financial situation.</p>
  {{/IF}}

  {{IF_REGISTERED_INVESTMENT_ADVISOR}}
  <p>{{BUSINESS_NAME}} is a Registered Investment Advisor (CRD #{{CRD_NUMBER}}). However, content on this website is for educational purposes and does not constitute personalized investment advice. Personalized advice is available only through our advisory engagement. <a href="/services/">Learn about our services</a>.</p>
  {{/IF}}

  <h2>Tax Disclaimer</h2>
  <p>Tax information is general and not personalized tax advice. Tax laws are complex and vary by jurisdiction and individual circumstances. Consult a qualified tax professional before making tax-related decisions.</p>

  <h2>No Fiduciary Relationship</h2>
  <p>Reading content on {{BUSINESS_NAME}} does not create a fiduciary or advisory relationship between you and {{BUSINESS_NAME}}.</p>

  <p><time datetime="{{LAST_UPDATED_ISO}}">Last updated: {{LAST_UPDATED_HUMAN}}</time></p>
</article>

<article class="legal-disclaimer">
  <h1>Legal Disclaimer</h1>

  <p>The information provided on {{BUSINESS_NAME}} ({{PRIMARY_DOMAIN}}) is for general informational and educational purposes only. <strong>It is not legal advice.</strong></p>

  <h2>No Attorney-Client Relationship</h2>
  <p>Reading content on this website, contacting us through this website, or otherwise interacting with {{BUSINESS_NAME}} does not create an attorney-client relationship between you and {{BUSINESS_NAME}} or any of its authors, reviewers, or affiliates.</p>

  <p>An attorney-client relationship is established only through a signed engagement agreement.</p>

  <h2>Consult a Qualified Attorney</h2>
  <p>Laws vary by jurisdiction and change frequently. The information on this site may not be current or applicable to your specific situation. Always consult a qualified attorney licensed in your jurisdiction before making legal decisions.</p>

  <h2>Confidentiality</h2>
  <p><strong>Communications sent through this website are not confidential.</strong> Do not send confidential or time-sensitive information through this website or via email to addresses listed on this website.</p>

  <h2>No Guarantee of Outcome</h2>
  <p>Discussions of legal cases, statutes, or principles do not predict the outcome of any specific legal matter. Past results do not guarantee similar outcomes in your case.</p>

  <h2>Attorney Advertising</h2>
  {{IF_LAW_FIRM}}
  <p>This website may constitute attorney advertising under applicable rules of professional conduct. {{ATTORNEY_ADVERTISING_DISCLOSURE_BY_STATE}}.</p>
  {{/IF}}

  <h2>Bar Admissions</h2>
  {{IF_LAW_FIRM}}
  <p>{{BUSINESS_NAME}} attorneys are admitted to practice in the following jurisdictions: {{LIST_OF_BAR_ADMISSIONS}}. We do not practice law in jurisdictions where we are not admitted.</p>
  {{/IF}}

  <h2>Currency of Information</h2>
  <p>Laws change. Court decisions are issued daily. Regulations are updated. While we work to keep content current — see our <a href="/editorial-policy/">Editorial Policy</a> — information may not reflect the latest law. Always verify with current primary sources or a qualified attorney.</p>

  <h2>External Links</h2>
  <p>This website may link to external websites. We are not responsible for content on external sites, and inclusion of a link does not constitute endorsement.</p>

  <p><time datetime="{{LAST_UPDATED_ISO}}">Last updated: {{LAST_UPDATED_HUMAN}}</time></p>
</article>

<aside class="ymyl-top-disclaimer" role="note">
  <p>
    <strong>{{TOPIC_DISCLAIMER_HEADLINE}}</strong>
    {{TOPIC_DISCLAIMER_TEXT}}
    <a href="/{{TOPIC}}-disclaimer/">Read our full {{TOPIC}} disclaimer.</a>
  </p>
</aside>

<header class="article-header ymyl-article">
  <h1>{{TITLE}}</h1>

  <div class="ymyl-byline">
    <div class="author-credit">
      <img src="{{AUTHOR_PHOTO}}" alt="{{AUTHOR_NAME}}" width="48" height="48">
      <p>
        Written by <a href="/authors/{{AUTHOR_SLUG}}/" rel="author">{{AUTHOR_NAME}}</a>
        <br>
        <span class="credentials">{{AUTHOR_CREDENTIALS}}</span>
      </p>
    </div>

    <div class="reviewer-credit">
      <img src="{{REVIEWER_PHOTO}}" alt="{{REVIEWER_NAME}}" width="48" height="48">
      <p>
        {{REVIEWER_TYPE_VERB}} reviewed by <a href="/authors/{{REVIEWER_SLUG}}/">{{REVIEWER_NAME}}</a>
        <br>
        <span class="credentials">{{REVIEWER_CREDENTIALS}}</span>
        {{IF_LICENSED}}
        <br>
        <span class="license-info">License #{{LICENSE_NUMBER}}, {{LICENSE_STATE}} · <a href="{{VERIFY_URL}}" rel="noopener">Verify</a></span>
        {{/IF}}
      </p>
    </div>
  </div>

  <div class="ymyl-dates">
    <p>
      <time datetime="{{PUBLISHED_DATE}}">Published {{PUBLISHED_DATE_HUMAN}}</time>
      ·
      <time datetime="{{UPDATED_DATE}}">Last updated {{UPDATED_DATE_HUMAN}}</time>
      ·
      <time datetime="{{REVIEWED_DATE}}">Last reviewed by {{REVIEWER_TYPE}} {{REVIEWED_DATE_HUMAN}}</time>
    </p>
  </div>
</header>

<aside class="coi-disclosure" role="note">
  <strong>Conflict of Interest Disclosure:</strong>
  {{COI_DISCLOSURE_TEXT}}
</aside>

<p>
  A 2025 systematic review<sup><a href="#ref-1">1</a></sup> found that
  the recommended treatment protocol reduces complications by 47% in patients
  with Type 2 diabetes<sup><a href="#ref-2">2</a></sup>.
</p>

<section class="article-references">
  <h2>References</h2>
  <ol>
    <li id="ref-1">
      Smith J, Doe A, et al. (2025). "Treatment protocols for Type 2 diabetes: A systematic review."
      <em>New England Journal of Medicine</em>, 392(15), 1422-1438.
      <a href="https://pubmed.ncbi.nlm.nih.gov/{{PMID}}/" rel="noopener">PubMed</a>
      ·
      DOI: <a href="https://doi.org/{{DOI}}" rel="noopener">{{DOI}}</a>
    </li>
    <li id="ref-2">
      American Diabetes Association. (2026). "Standards of Medical Care in Diabetes — 2026."
      <em>Diabetes Care</em>, 49(Supplement 1).
      <a href="{{URL}}" rel="noopener">Full text</a>
    </li>
  </ol>
</section>

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  "jobTitle": "{{REVIEWER_TITLE}}",
  "honorificPrefix": "{{HONORIFIC_PREFIX}}",
  "honorificSuffix": "{{HONORIFIC_SUFFIX}}",
  "hasCredential": [
    {
      "@type": "EducationalOccupationalCredential",
      "name": "{{DEGREE_NAME}}",
      "credentialCategory": "degree",
      "recognizedBy": {
        "@type": "EducationalOrganization",
        "name": "{{INSTITUTION}}"
      }
    },
    {
      "@type": "EducationalOccupationalCredential",
      "name": "{{LICENSE_NAME}}",
      "credentialCategory": "license",
      "recognizedBy": {
        "@type": "GovernmentOrganization",
        "name": "{{LICENSING_BODY}}"
      },
      "identifier": "{{LICENSE_NUMBER}}",
      "url": "{{LICENSE_VERIFICATION_URL}}"
    }
  ],
  "memberOf": [
    {
      "@type": "Organization",
      "name": "{{PROFESSIONAL_ORG}}"
    }
  ],
  "knowsAbout": {{REVIEWER_SPECIALTIES_JSON}},
  "sameAs": {{REVIEWER_PROFILES_JSON}}
}
</script>

<aside class="crisis-resources" role="note">
  <h2>If You're in Crisis</h2>
  <p>If you're experiencing thoughts of suicide or self-harm:</p>
  <ul>
    <li><strong>988 Suicide & Crisis Lifeline (US):</strong> Call or text <a href="tel:988">988</a></li>
    <li><strong>Crisis Text Line:</strong> Text HOME to <a href="sms:741741">741741</a></li>
    <li><strong>Veterans Crisis Line:</strong> Call <a href="tel:988">988</a> and press 1</li>
    <li><strong>International:</strong> <a href="https://www.iasp.info/resources/Crisis_Centres/" rel="noopener">Find a crisis center near you</a></li>
  </ul>
  <p>If you are in immediate danger, call <a href="tel:911">911</a> or go to your nearest emergency room.</p>
</aside>

<aside class="ymyl-ai-disclosure" role="note">
  <h3>How This Article Was Created</h3>
  <ul>
    <li>{{AI_USAGE_LEVEL}} — {{AI_USAGE_DESCRIPTION}}</li>
    <li>Reviewed for accuracy by {{REVIEWER_NAME}}, {{REVIEWER_CREDENTIALS}}</li>
    <li>All factual claims verified against primary sources cited in the references section</li>
    <li>{{REVIEW_DATE_AND_TIME_INVESTED}}</li>
  </ul>
  <p>See our <a href="/disclosure/">AI use policy</a> and <a href="/editorial-policy/">editorial policy</a> for details on our YMYL content standards.</p>
</aside>

# Verify all YMYL articles have required schema
for url in $YMYL_URLS; do
  curl -sL "$url" | python -c "
import sys, re, json
html = sys.stdin.read()
matches = re.findall(r'<script type=\"application/ld\+json\">(.*?)</script>', html, re.DOTALL)
has_reviewer = False
for m in matches:
    try:
        data = json.loads(m)
        if 'reviewedBy' in data:
            has_reviewer = True
    except:
        pass
if not has_reviewer:
    print(f'{url}: MISSING reviewedBy')
    sys.exit(1)
"
done

# Verify all YMYL articles have disclaimer
for url in $YMYL_URLS; do
  if ! curl -sL "$url" | grep -q 'class="ymyl-top-disclaimer"'; then
    echo "FAIL: $url missing disclaimer"
  fi
done

# Verify required pages
REQUIRED=(/editorial-policy/ /corrections-policy/ /corrections-log/)
for page in "${REQUIRED[@]}"; do
  status=$(curl -o /dev/null -s -w "%{http_code}" "https://$DOMAIN$page")
  [ "$status" != "200" ] && echo "FAIL: $page returned $status"
done

# YMYL Framework Implementation Report

**Project**: {{BUSINESS_NAME}}
**Domain**: {{PRIMARY_DOMAIN}}
**Implementation Date**: {{TODAY}}
**YMYL Classification**: {{CLASSIFICATION}}
**YMYL Categories**: {{CATEGORIES}}

## Summary
- **Total YMYL articles**: {{COUNT}}
- **Articles with full YMYL trust elements**: {{COUNT}}
- **Critical items remediated**: {{COUNT}}
- **Reviewer team established**: {{REVIEWER_LIST}}

## Required Pages Created
- /editorial-policy/ — {{STATUS}}
- /corrections-policy/ — {{STATUS}}
- /corrections-log/ — {{STATUS}}
- /medical-disclaimer/ — {{STATUS}}
- /financial-disclaimer/ — {{STATUS}}
- /legal-disclaimer/ — {{STATUS}}

## Per-Article Trust Elements Installed
{{TABLE_OF_ARTICLES_WITH_INSTALLED_ELEMENTS}}

## Industry Compliance Documentation
{{LIST_OF_COMPLIANCE_DOCS}}

## Items Flagged for Manual Review
{{LIST_WITH_REASONS}}

## Refresh Calendar Established
- Articles requiring monthly refresh: {{COUNT}}
- Articles requiring quarterly refresh: {{COUNT}}
- Articles requiring annual refresh: {{COUNT}}

## Validation Results
{{AUTOMATED_AND_MANUAL_RESULTS}}

## Sign-Off
Implementation complete: {{DATE}}
Implementer: {{NAME}}
Editorial Lead: {{NAME}}
Compliance Lead: {{NAME}}

# YMYL Framework Audit Report

**Site**: {{BUSINESS_NAME}}
**Audit Date**: {{TODAY}}
**YMYL Classification**: {{CLASSIFICATION}}

## Executive Summary
{{SUMMARY}}

**Overall Score**: {{X}}/48 ({{PERCENTAGE}}%)
**Status**: {{STATUS}}

## YMYL Inventory
- Total content: {{COUNT}}
- YMYL content (full): {{COUNT}}
- YMYL content (partial): {{COUNT}}
- YMYL content (lite): {{COUNT}}
- Non-YMYL content: {{COUNT}}

## Per-Article Compliance ({{X}}/24 average)
{{DETAILED_PER_ARTICLE_FINDINGS}}

## Site-Wide Compliance ({{X}}/24)
{{DETAILED_SITE_FINDINGS}}

## Critical Failures
{{LIST_WITH_REMEDIATION}}

## High-Severity Issues
{{LIST_WITH_REMEDIATION}}

## Industry-Specific Findings
{{HIPAA_SEC_BAR_FINDINGS}}

## Recommended Remediation Order
{{PRIORITIZED_LIST}}

## Sign-Off
Audit complete: {{DATE}}
Auditor: {{NAME}}