Key point
One rule
A citation is useful only if a user can find the same evidence again. Cite the retrieved chunk, not the model’s memory or a vague file name.
For this track, a good citation has document name, page or section if available, and a chunk id or quoted line.
What to cite
Your answer should cite every important factual claim that comes from the documents. If the answer has three facts from two chunks, show both sources.
Do not cite general filler like “based on the documents”. Cite claims such as dates, fees, eligibility, deadlines, policy rules, product limits, and names.