engine: GIS 65+ floor, clawback only with OAS, couple mixed-row footnote, FIRE retire age 40

site/app.js

@@ -208,7 +208,7 @@
     },
     {
       key: 'retire', titleK: 'q.retire.title', hintK: 'q.retire.hint', type: 'slider',
-      min: 55, max: 72, step: 1, fmt: function (v) { return t('q.retire.years', { v: v }); },
+      min: 40, max: 72, step: 1, fmt: function (v) { return t('q.retire.years', { v: v }); },   /* FIRE: floor 40 (fillDefaults clamps below current age) */
       get: function () { return state.a.retireAge; }, set: function (v) { state.a.retireAge = +v; }
     },
     {
@@ -804,15 +804,19 @@
     renderPsCard(p);
 
     var tbl = '<tr><th>' + t('t.age') + '</th><th>' + t('t.rrsp') + '</th><th>' + t('t.tfsa') + '</th><th>' + t('t.nonreg') + '</th><th>' + t('t.total') + '</th><th>' + t('t.wdr') + '</th><th>' + t('t.cpp') + '</th><th>' + t('t.oas') + '</th><th>' + t('t.gis') + '</th><th>' + t('t.tax') + '</th><th>' + t('t.unfunded') + '</th></tr>';
-    var n = 0;
+    var n = 0, mixedAny = false;
     proj.years.forEach(function (r) {
       if (r.phase !== 'draw' && r.age % 5 !== 0) return; n++;
+      if (r.mixed) mixedAny = true;   /* 2026-10 math fix: one partner retired, one still accumulating */
       tbl += '<tr class="' + (r.unfunded > 1 ? 'dep' : '') + '"><td>' + r.age + '</td><td>' + k(r.rrspBal) + '</td><td>' + k(r.tfsaBal) +
-        '</td><td>' + k(r.nonregBal) + '</td><td><b>' + k(r.totalBal) + '</b></td><td>' + k(r.rrifWithdrawal + r.nonregW + r.tfsaW) +
+        '</td><td>' + k(r.nonregBal) + '</td><td><b>' + k(r.totalBal) + (r.mixed ? ' †' : '') + '</b></td><td>' + k(r.rrifWithdrawal + r.nonregW + r.tfsaW) +
         '</td><td>' + k(r.cpp) + '</td><td>' + k(r.oasGross - r.oasClawback) + '</td><td>' + k(r.gis) + '</td><td>' + k(r.tax + r.oasClawback) +
         '</td><td>' + (r.unfunded > 1 ? k(r.unfunded) : '—') + '</td></tr>';
     });
     $('#yr-table').innerHTML = tbl; $('#yr-summary').innerHTML = t('r.yearlySummary', { n: n });
+    /* Legend for † mixed-phase rows (couples: growing Total + Withdraw > 0 rows explained). */
+    var mn = $('#yr-mixed-note');
+    if (mn) { mn.textContent = mixedAny ? t('t.mixedNote') : ''; mn.hidden = !mixedAny; }
 
     var m2 = fmtMoney2;
     $('#stamp').textContent = t('r.stamp', {