aireadylife-benefits-task-flag-enrollment-windowlisted

## What It Does Called by `aireadylife-benefits-op-enrollment-review` when the annual open enrollment window is detected or approaching. Open enrollment is the single most time-constrained benefits event — the window is typically 2-4 weeks, elections made after the close cannot be changed until the next plan year (absent a qualifying life event), and missing the window entirely locks you into current elections for 12 more months. This flag ensures the deadline never sneaks up undetected. **Urgency escalation:** The flag's urgency level escalates as the deadline approaches. Written as "watch" when the window opens (more than 14 days before close). Escalated to "urgent" when 14 days or fewer remain. When 3 days or fewer remain: the flag is written as a top-priority urgent item with a specific note that auto-renewal will occur if no action is taken — auto-renewal may perpetuate a suboptimal plan election for another full year. **Election checklist:** The flag includes a plain-language checklist of every decision that needs to be made during enrollment. This prevents the common scenario where someone changes their medical plan election but forgets to update their FSA election, or switches to an HDHP without adding an HSA contribution. Standard checklist items: (1) Medical plan selection (compare options, select plan and tier); (2) HSA contribution election if HDHP is selected (choose annual amount, divide by pay periods); (3) Health FSA election if non-HDHP selected (estimate