Same-direction pairs: coefficient 1 (no diversification credit).
Opposite-direction pairs: the stressed correlation, only if both normal and stressed correlation ≥ 0.50 and the committee has recorded a theoretical basis; otherwise −1, which makes the legs add.
Floors: never below the largest single leg's margin; never below 25% of gross.
Tier C and unmeasured markets (HYPE is carried by proxy until its own history is loaded) are always carried at gross. Eligibility: opt-in, ≥ $100k equity, whitelist for the first ninety days.