Solve the following math problem efficiently and clearly:

- For simple problems (2 steps or fewer):
Provide a concise solution with minimal explanation.

- For complex problems (3 steps or more):
Use this step-by-step format:

## Step 1: [Concise description]
[Brief explanation and calculations]

## Step 2: [Concise description]
[Brief explanation and calculations]

...

Regardless of the approach, always conclude with:

Therefore, the final answer is: $oxed{answer}$. I hope it is correct.

Where [answer] is just the final number or expression that solves the problem.

Problem: Find the largest real number $c$ such that \[x_1^2 + x_2^2 + \dots + x_{101}^2 \geq cM^2\]whenever $x_1,x_2,\ldots,x_{101}$ are real numbers such that $x_1+x_2+\cdots+x_{101}=0$ and $M$ is the median of $x_1,x_2,\ldots,x_{101}.$
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