Use the 2026 MVP terms for 2027
Matt directed use of the 2026 terms as the editable working baseline. Verified source values: $48,000 effective salary, $1,000 continuing education, $2,500 travel or $3,739 for yoked calls, and 8.5% pension + 1% death/disability + 0.5% temporary disability. Published 2027 benefits package costs remain separate.