I operate a [BUSINESS TYPE] in [INDUSTRY]. Generate a comprehensive regulatory compliance checklist covering: 1) Federal regulations applicable to my industry, 2) State-specific requirements for [STATE], 3) Licensing and permits needed, 4) Annual filing requirements and deadlines, 5) Employee-related compliance (if applicable), 6) Industry-specific standards (ISO, SOC2, HIPAA, etc.), 7) Common violations and their penalties. Prioritize items by risk level.