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

.gitignore

@@ -6,3 +6,5 @@ site/vision/*.jpeg
 .tmp/
 audit/ps-pension/*.png
 audit/lang-right/**/*.png
+audit/math-fix/
+.pwtmp/

audit/bilingual-geo-check.json

@@ -4,8 +4,8 @@
   "has_lang_toggle": true,
   "has_i18n_script": true,
   "i18n_js_fr_strings": true,
-  "i18n_js_size": 28788,
-  "checked_at": "2026-10-09T14:01:51Z",
+  "i18n_js_size": 39689,
+  "checked_at": "2026-10-09T19:52:48Z",
   "vantage": "trouble@100.96.20.61 (Midhurst, off-LAN)",
   "all_ok": true
 }

audit/mathfix_capture.py

@@ -0,0 +1,124 @@
+"""2026-10 math-fix evidence capture (GIS 65 floor / clawback-only-with-OAS / mixed † / FIRE 40).
+
+Usage: python3 audit/mathfix_capture.py TAG BASE   (TAG = before|after)
+Screenshots + row JSON under audit/math-fix/. Live couple scenario 52/52 ON 60k
+100k/30k/20k ret 55 spend 93k CPP 60 (what-if ret 55), FIRE 30/40 BC.
+"""
+import json, os, re, sys
+from playwright.sync_api import sync_playwright
+
+TAG = sys.argv[1] if len(sys.argv) > 1 else 'after'
+BASE = (sys.argv[2] if len(sys.argv) > 2 else 'https://retire.krisforbes.ca/').rstrip('/') + '/'
+OUT = os.path.join(os.path.dirname(__file__), 'math-fix')
+os.makedirs(OUT, exist_ok=True)
+CHROME = '/home/ubuntu/.cache/ms-playwright/chromium-1243/chrome-linux64/chrome'
+LS = 'retire-planner-v1'
+
+COUPLE = {
+    "province": "ON", "age": 52, "household": "couple",
+    "income": 60000, "rrsp": 100000, "tfsa": 30000, "nonreg": 20000,
+    "monthlyContribution": 0, "employerMatchMonthly": 0,
+    "retireAge": 55, "spendingAnnual": 93000, "cppStartAge": 60, "oasStartAge": 65,
+    "realReturnPre": 3.5, "realReturnPost": 2.5, "inflation": 2.0, "lifeExp": 95,
+    "partner": {"age": 52, "income": 60000, "rrsp": 100000, "tfsa": 30000, "nonreg": 20000,
+                "monthlyContribution": 0},
+}
+FIRE = {
+    "province": "BC", "age": 30, "household": "single",
+    "partner": {"age": 30, "income": 0, "rrsp": 0, "tfsa": 0, "nonreg": 0, "monthlyContribution": 0},
+    "income": 90000, "rrsp": 200000, "tfsa": 100000, "nonreg": 50000,
+    "monthlyContribution": 0, "employerMatchMonthly": 0,
+    "retireAge": 40, "spendingAnnual": 60000, "cppStartAge": 60, "oasStartAge": 65,
+    "realReturnPre": 3.5, "realReturnPost": 2.5, "inflation": 2.0, "lifeExp": 95,
+}
+
+ROWS_JS = """() => [...document.querySelectorAll('#yr-table tr')].map(tr =>
+  [...tr.children].map(td => td.textContent.trim()))"""
+
+
+def open_table(pg):
+    pg.evaluate("() => { const d = document.querySelector('details.yearly'); if (d) d.open = true; }")
+    pg.wait_for_timeout(250)
+
+
+def capture(browser, state, name, lang='en'):
+    ctx = browser.new_context(viewport={'width': 1280, 'height': 900})
+    pg = ctx.new_page()
+    pg.on('dialog', lambda d: d.accept())
+    pg.goto(BASE, wait_until='domcontentloaded')
+    pg.evaluate("([ls, st, lang]) => localStorage.setItem(ls, JSON.stringify({a: st, step: 0, screen: 'results', lang}))",
+                (LS, state, lang))
+    pg.reload(wait_until='networkidle')
+    pg.wait_for_timeout(900)  # renderResults + charts (G4 fires at 30ms)
+    open_table(pg)
+    pg.evaluate("() => document.querySelector('#yr-table').scrollIntoView({block: 'start'})")
+    pg.wait_for_timeout(200)
+    rows = pg.evaluate(ROWS_JS)
+    pg.screenshot(path=os.path.join(OUT, '%s-%s-table.png' % (TAG, name)))
+    geo = pg.evaluate("""() => {
+      const note = document.querySelector('#yr-mixed-note');
+      const wi = document.querySelector('#wi-ret');
+      return {noteShown: note ? !note.hidden && note.textContent.trim().length > 0 : null,
+              noteText: note ? note.textContent.trim().slice(0, 120) : null,
+              wiRetMin: wi ? wi.getAttribute('min') : null,
+              depletionBanner: /runs out|runs out|deplet/i.test(document.querySelector('#verdict')?.textContent || '')};
+    }""")
+    ctx.close()
+    return rows, geo
+
+
+def capture_fire_step_390(browser):
+    """Mobile 390: quiz retire step — slider min=40, no label clipping."""
+    ctx = browser.new_context(viewport={'width': 390, 'height': 844}, device_scale_factor=3,
+                              user_agent='Mozilla/5.0 (iPhone; CPU iPhone OS 17_5 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/17.5 Mobile/15E148 Safari/604.1')
+    pg = ctx.new_page()
+    pg.goto(BASE, wait_until='domcontentloaded')
+    pg.evaluate("(ls) => localStorage.setItem(ls, JSON.stringify({a:{province:'ON', age:30, household:'single', income:90000, rrsp:200000, tfsa:100000, nonreg:50000, monthlyContribution:0, retireAge:40, spendingAnnual:60000, cppStartAge:60}, step: 0, screen: 'quiz', lang: 'en'}))", LS)
+    pg.reload(wait_until='networkidle')
+    # screen:'quiz' drops straight on the province step (intro only shows on fresh state)
+    pg.wait_for_timeout(400)
+    pg.evaluate("() => { const o = document.querySelector('#step-body .opt'); if (o) o.click(); }")
+    pg.wait_for_timeout(150)
+    for _ in range(10):
+        h = pg.evaluate("() => document.querySelector('#step-body').textContent")
+        if 'Retirement age' in h:
+            break
+        dis = pg.evaluate("() => document.querySelector('#btn-next').disabled")
+        if dis:
+            break
+        pg.click('#btn-next')
+        pg.wait_for_timeout(120)
+    info = pg.evaluate("""() => {
+      const s = document.querySelector('#f1');
+      const sv = document.querySelector('#sv');
+      const r = s.getBoundingClientRect(), rv = sv.getBoundingClientRect();
+      return {min: s.getAttribute('min'), max: s.getAttribute('max'), value: s.value,
+              sliderRight: +r.right.toFixed(1), vw: innerWidth,
+              valRight: +rv.right.toFixed(1), valLeft: +rv.left.toFixed(1),
+              hint: (document.querySelector('#step-body .hint') || {}).textContent || ''};
+    }""")
+    # drag to 40 via input event (range fill)
+    pg.evaluate("() => { const s = document.querySelector('#f1'); s.value = '40'; s.dispatchEvent(new Event('input', {bubbles: true})); }")
+    pg.wait_for_timeout(150)
+    info['svAfter40'] = pg.evaluate("() => document.querySelector('#sv').textContent")
+    pg.screenshot(path=os.path.join(OUT, '%s-fire-step-390.png' % TAG))
+    ctx.close()
+    return info
+
+
+with sync_playwright() as p:
+    browser = p.chromium.launch(executable_path=CHROME, args=['--no-sandbox'])
+    rows, geo = capture(browser, COUPLE, 'couple')
+    with open(os.path.join(OUT, '%s-couple-rows.json' % TAG), 'w') as f:
+        json.dump({'rows': rows, 'geo': geo}, f, indent=1)
+    out = {'geo': geo}
+    if TAG == 'after':
+        frows, fgeo = capture(browser, FIRE, 'fire')
+        with open(os.path.join(OUT, '%s-fire-rows.json' % TAG), 'w') as f:
+            json.dump({'rows': frows, 'geo': fgeo}, f, indent=1)
+        out['fire_first_draw_age'] = next((r[0] for r in frows[1:] if len(r) == 11 and float(re.sub(r'[^0-9.]', '', r[5]) or 0) > 0), None)
+        out['fire_geo'] = fgeo
+        out['fire_step_390'] = capture_fire_step_390(browser)
+    browser.close()
+print('%s capture done -> %s' % (TAG, OUT))
+print(json.dumps(out, indent=1)[:1200])

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', {

site/engine/engine.js

@@ -77,11 +77,18 @@
   }
 
   /* ---- OAS recovery tax (clawback) ---- */
+  // s.3(1) ETA: recovery applies ONLY to years OAS is actually payable/received —
+  // a pre-OAS-start pensioner has no OAS to recover. Callers guard with oasGross > 0
+  // (2026-10 math fix: pre-65 withdrawals must not generate a "clawback" on OAS never paid).
+  // Recovery is capped at the OAS received (Math.min at call sites) → net OAS is never negative.
   function clawback(netIncome) {
     return 0.15 * Math.max(0, (netIncome || 0) - V('oasClawbackThreshold'));
   }
 
-  /* ---- GIS (SIMPLIFIED — stamp: simplified) ---- */
+  /* ---- GIS (SIMPLIFIED — stamp: simplified; PAYABLE ONLY AT AGE 65+) ---- */
+  // Source fact: Service Canada — you must be 65 or older to receive the GIS.
+  // The 65+ floor is enforced at the call sites: solve() gates gis() on a >= 65,
+  // projectCouple() zeroes gisSum when the merged row age < 65 (2026-10 math fix).
   // Only below ~$20k (single) / ~$26k (couple, both 65+) income ex-OAS.
   // gis = max(0, gisMax − 0.5 × max(0, incomeExOAS − 5000)) (first $5k employment exemption approximated).
   // Returns ANNUAL $, non-taxable.
@@ -174,6 +181,11 @@
     var o = {}, k;
     for (k in DEFAULTS) o[k] = DEFAULTS[k];
     for (k in (inp || {})) if (inp[k] !== undefined && inp[k] !== null) o[k] = inp[k];
+    // FIRE-safe guard (2026-10 math fix): a stale saved retireAge below the current age
+    // (52-year-old returning user with retireAge 40, what-if slider below current age)
+    // would "retire" this run years in the past → clamp to next birthday. Age-30 user
+    // planning to retire at 40 is untouched.
+    if (+o.retireAge < +o.age + 1) o.retireAge = +o.age + 1;
     return o;
   }
 
@@ -233,8 +245,8 @@
         var taxable1 = pre + W;
         var opts1 = { pensionIncome: (a >= 65 && a >= psStart ? (p.pensionAnnual || 0) : 0) + (a >= 65 ? W : 0) };
         var t1 = tax(taxable1, p.province, a, opts1);
-        var c1 = clawback(taxable1);
-        var g = gis(taxable1 - oasGross, 'single');
+        var c1 = oasGross > 0 ? Math.min(clawback(taxable1), oasGross) : 0;   // clawback only in years OAS is received, capped at OAS paid
+        var g = a >= 65 ? gis(taxable1 - oasGross, 'single') : 0; // GIS payable only at 65+ (Service Canada)
         var cash1 = pre + W + g - t1.total - c1;
         var n = 0, t = 0, taxable = taxable1, tt = t1, cc = c1, opts = opts1;
         var rem = need - cash1;
@@ -244,13 +256,13 @@
           taxable = taxable1 + 0.5 * n;
           opts = { pensionIncome: opts1.pensionIncome };
           tt = tax(taxable, p.province, a, opts);
-          cc = clawback(taxable);
-          g = gis(taxable - oasGross, 'single');
+          cc = oasGross > 0 ? Math.min(clawback(taxable), oasGross) : 0;      // same rule: no OAS received → no clawback; capped at OAS paid
+          g = a >= 65 ? gis(taxable - oasGross, 'single') : 0;
           rem = need - (pre + W + g + n - tt.total - cc);
         }
         if (rem > 0 && tfsa > 0) {
           t = Math.min(tfsa, rem);
-          g = gis(taxable - oasGross, 'single');
+          g = a >= 65 ? gis(taxable - oasGross, 'single') : 0;   // 65+ floor (TFSA draw is non-taxable; guard kept uniform)
           rem = need - (pre + W + g + n + t - tt.total - cc);
         }
         var cash = pre + W + g + n + t - tt.total - cc;
@@ -348,25 +360,39 @@
         if (Math.abs(shift) > 1) {
           var tA = tax(ra.taxable - shift, p.province, yr, { pensionIncome: pa - shift });
           var tB = tax(rb.taxable + shift, p.province, yr, { pensionIncome: pb2 + shift });
-          var newTax = tA.total + tB.total, newClaw = clawback(ra.taxable - shift) + clawback(rb.taxable + shift);
+          var newTax = tA.total + tB.total;
+          // Splitting comparison uses the SAME clawback rule: only a partner receiving OAS
+          // this year can generate recovery tax (2026-10 math fix).
+          var newClaw = (ra.oasGross > 0 ? Math.min(clawback(ra.taxable - shift), ra.oasGross) : 0)
+                      + (rb.oasGross > 0 ? Math.min(clawback(rb.taxable + shift), rb.oasGross) : 0);
           if (newTax + newClaw < taxSum + clawSum) { taxSum = newTax; clawSum = newClaw; }
         }
       }
       row.tax = taxSum; row.oasClawback = clawSum;
-      // GIS: household rate when both 65+, else sum of singles
+      // GIS: household rate when both 65+, else sum of singles. GIS is payable ONLY at
+      // 65+ (Service Canada): a partner's single GIS term counts only at their own age ≥ 65.
       var incA = ra.taxable - ra.oasGross, incB = rb.taxable - rb.oasGross;
       var gisSum;
       if (ra.phase === 'draw' && rb.phase === 'draw' && ra.age >= 65 && rb.age >= 65) {
         gisSum = gis(incA + incB, 'couple');
       } else {
-        gisSum = (ra.phase === 'draw' ? gis(incA, 'single') : 0) + (rb.phase === 'draw' ? gis(incB, 'single') : 0);
+        gisSum = (ra.phase === 'draw' && ra.age >= 65 ? gis(incA, 'single') : 0)
+               + (rb.phase === 'draw' && rb.age >= 65 ? gis(incB, 'single') : 0);
       }
+      if (yr < 65) gisSum = 0;   // GIS requires age 65+ (Service Canada) — 2026-10 math fix
       row.gis = gisSum;
       var cash = ra.cash + rb.cash + (ra.gis + rb.gis ? gisSum - ra.gis - rb.gis : 0) + (taxSum ? (ra.tax + rb.tax - taxSum) : 0);
       cash = ra.cash + rb.cash - (ra.gis + rb.gis) + gisSum + (ra.tax + rb.tax) - taxSum;
       row.cash = Math.min(cash, row.need);
+      // Mixed window: retirement HAS begun (row labelled 'draw' from the FIRST retirement),
+      // but one partner is still accumulating at the pre-retirement rate. Honest summation,
+      // and the renderer footnotes these rows (†) so a growing Total + Withdraw > 0 is explained.
+      row.mixed = row.phase === 'draw' && (ra.phase === 'accum' || rb.phase === 'accum');
       row.unfunded = Math.max(0, row.need - cash);
-      if (row.phase === 'draw' && row.totalBal <= 0.5 && row.unfunded > 0.5 && depletionAge === null) depletionAge = yr;
+      // Depletion must not fire in a mixed window: the balance there is mostly the
+      // accum partner's pre-retirement money, not the drawing partner's. Count fully-drawing
+      // rows only — a missing partner row (phase 'none') counts as sole income (not accum).
+      if (row.phase === 'draw' && !row.mixed && row.totalBal <= 0.5 && row.unfunded > 0.5 && depletionAge === null) depletionAge = yr;
       totalTax += taxSum; totalClawback += clawSum;
       merged.push(row);
     }
@@ -445,6 +471,7 @@
     recommendations: recommendations,
     pensionStartAge: pensionStartAge,
     pensionBridgeAnnual: pensionBridgeAnnual,
+    fillDefaults: fillDefaults,
     defaults: DEFAULTS,
     constants: C
   };

site/i18n.js

@@ -93,7 +93,7 @@
         title: 'Monthly savings into RRSP', hint: 'Your contribution + any employer match.',
         you: 'You contribute $/mo', match: 'Employer match $/mo'
       },
-      retire: { title: 'Retirement age', hint: 'When you stop earning employment income.', years: '{v} years' },
+      retire: { title: 'Retirement age', hint: 'When you stop earning employment income. Early retirement (FIRE) supported — plan must self-fund the CPP/OAS gap years.', years: '{v} years' },
       spend: { title: 'Planned annual spending in retirement', hint: 'Today’s dollars, after tax. Be honest — this is the number that decides everything.' },
       cppstart: {
         title: 'Start CPP at…', hint: 'Age {age}: {adj}',
@@ -247,7 +247,8 @@
     },
     t: {
       age: 'Age', rrsp: 'RRSP', tfsa: 'TFSA', nonreg: 'Non-reg', total: 'Total', wdr: 'Withdraw',
-      cpp: 'CPP', oas: 'OAS', gis: 'GIS', tax: 'Tax+claw', unfunded: 'Unfunded'
+      cpp: 'CPP', oas: 'OAS', gis: 'GIS', tax: 'Tax+claw', unfunded: 'Unfunded',
+      mixedNote: '† One partner is retired, the other is still working: their savings grow at the pre-retirement rate — this row is not in full retirement mode.'
     },
     d: {
       main: '<b>Estimates only — not financial advice.</b> Simplified model: GIS uses a simplified 50% phase-out; Quebec shown with the 16.5% federal abatement (QPP and Quebec payroll taxes not modelled); federal public service pension (PSSA) modelled when enabled — other DB pensions not; returns are constant real rates; Ontario surtax modelled on base tax.',
@@ -353,7 +354,7 @@
         title: 'Épargne mensuelle au REER', hint: 'Votre cotisation + la contrepartie de l\'employeur.',
         you: 'Vous cotisez', match: 'Contrepartie de l\'employeur'
       },
-      retire: { title: 'Âge de la retraite', hint: 'Quand vous cessez de gagner un revenu d\'emploi.', years: '{v} ans' },
+      retire: { title: 'Âge de la retraite', hint: 'Quand vous cessez de gagner un revenu d\'emploi. La retraite anticipée (FIRE) est prise en charge — le plan doit autofinancer les années sans RPC/SV.', years: '{v} ans' },
       spend: { title: 'Dépenses annuelles prévues à la retraite', hint: 'En dollars d\'aujourd\'hui, après impôt. Soyez honnête — c\'est le chiffre qui décide de tout.' },
       cppstart: {
         title: 'Débuter la RPC à…', hint: 'À {age} ans : {adj}',
@@ -507,7 +508,8 @@
     },
     t: {
       age: 'Âge', rrsp: 'REER', tfsa: 'CELI', nonreg: 'Non enreg.', total: 'Total', wdr: 'Retrait',
-      cpp: 'RPC', oas: 'SV', gis: 'SRG', tax: 'Impôt + récup.', unfunded: 'Non financé'
+      cpp: 'RPC', oas: 'SV', gis: 'SRG', tax: 'Impôt + récup.', unfunded: 'Non financé',
+      mixedNote: '† Un partenaire est à la retraite, l\'autre travaille encore : son épargne croît au taux pré-retraite — cette ligne n\'est pas en mode retraite complet.'
     },
     d: {
       main: '<b>Estimations seulement — il ne s\'agit pas de conseils financiers.</b> Modèle simplifié : retrait progressif simplifié de 50 % pour la SRG; Québec présenté avec le dégagement fédéral de 16,5 % (RRQ et cotisations sociales québécoises non modélisés); pension de la fonction publique fédérale (LRFP) modélisée si activée — autres pensions à prestations non modélisées; rendements à taux réels constants; surtaxe de l\'Ontario calculée sur l\'impôt de base.',

site/index.html

@@ -83,7 +83,7 @@
         <label><span data-i18n="r.wiCtrb">Monthly savings</span> <output id="wi-ctrb-o"></output>
           <input type="range" id="wi-ctrb" min="0" max="5000" step="50"></label>
         <label><span data-i18n="r.wiRet">Retirement age</span> <output id="wi-ret-o"></output>
-          <input type="range" id="wi-ret" min="55" max="72" step="1"></label>
+          <input type="range" id="wi-ret" min="40" max="72" step="1"></label>
         <label><span data-i18n="r.wiCpp">CPP starts at</span> <output id="wi-cpp-o"></output>
           <input type="range" id="wi-cpp" min="60" max="70" step="1"></label>
       </div>
@@ -92,6 +92,7 @@
     <details class="yearly">
       <summary id="yr-summary">Year-by-year detail (<span id="yr-n">0</span> years)</summary>
       <div class="tbl-wrap"><table id="yr-table"></table></div>
+      <p class="cap" id="yr-mixed-note" hidden></p>
     </details>
 
     <div class="disclaimer">

tests/engine.test.js

@@ -116,5 +116,91 @@ const onQc = E.tax(80000, "QC", 40, {});
 ok("QC federal = 83.5% of ON federal", near(onQc.federal, E.tax(80000, "ON", 40, {}).federal * 0.835, 1));
 ok("QC total > ON total at 80k", onQc.total > E.tax(80000, "ON", 40, {}).total, onQc.total.toFixed(0));
 
+console.log("---- 14. Math fix (2026-10): GIS 65+ floor, clawback only with OAS received, couple mixed rows, FIRE ----");
+// T1 — PASS-1 repro (plan evidence): 52y ON, 60k, 100k/30k/20k, retire 55, spend 93k, CPP 60.
+// Old engine: age 55 OASnet −$3,501 (clawback on OAS never paid), age 56+ GIS $12,916 (GIS is 65+ ONLY).
+const t1 = E.project(inp({ age: 52, province: 'ON', income: 60000, rrsp: 100000, tfsa: 30000, nonreg: 20000,
+  monthlyContribution: 0, employerMatchMonthly: 0, retireAge: 55, spendingAnnual: 93000, cppStartAge: 60, oasStartAge: 65 }));
+const t1y55 = t1.years.filter(y => y.age === 55)[0], t1y56 = t1.years.filter(y => y.age === 56)[0];
+ok("T1 clawback == 0 at 55 (pre-OAS; old: −$3,501 net OAS)", t1y55.oasClawback === 0, t1y55.oasClawback);
+ok("T1 GIS == 0 at 56 (old: $12,916 phantom)", t1y56.gis === 0, t1y56.gis);
+ok("T1 OAS gross == 0 at 56", t1y56.oasGross === 0);
+ok("T1 net OAS ≥ 0 in every row", t1.years.every(y => (y.oasGross - y.oasClawback) >= 0));
+ok("T1 no GIS below 65 anywhere", t1.years.filter(y => y.age < 65 && y.gis > 0).length === 0);
+
+console.log("---- 15. Clawback active when OAS IS received ----");
+const t2a = E.project(inp({ age: 52, province: 'ON', income: 60000, rrsp: 300000, tfsa: 30000, nonreg: 20000,
+  monthlyContribution: 0, retireAge: 55, spendingAnnual: 60000, cppStartAge: 60, oasStartAge: 65,
+  rrspWithdrawalOverrideAnnual: 100000 }));
+const t2a55 = t2a.years.filter(y => y.age === 55)[0];
+ok("100k RRSP draw at 55 (taxable > clawback threshold) → clawback 0",
+  t2a55.rrifWithdrawal > 90000 && t2a55.oasClawback === 0,
+  "W=" + Math.round(t2a55.rrifWithdrawal) + " cw=" + t2a55.oasClawback + " taxable=" + Math.round(t2a55.taxable));
+const t2b = E.project(inp({ age: 66, province: 'ON', income: 60000, rrsp: 500000, tfsa: 30000, nonreg: 20000,
+  monthlyContribution: 0, retireAge: 67, spendingAnnual: 100000, cppStartAge: 65, oasStartAge: 65,
+  rrspWithdrawalOverrideAnnual: 150000 }));
+const t2b67 = t2b.years.filter(y => y.age === 67)[0];
+ok("67y OAS recipient, 150k draw → clawback > 0", t2b67.oasGross > 0 && t2b67.oasClawback > 0,
+  "oas=" + Math.round(t2b67.oasGross) + " cw=" + Math.round(t2b67.oasClawback) + " taxable=" + Math.round(t2b67.taxable));
+ok("clawback capped at OAS gross", t2b67.oasClawback <= t2b67.oasGross + 1);
+
+console.log("---- 16. Couple merge: GIS 65+ floor, age-offset rows, depletion guard ----");
+// (a) screenshot scenario: symmetric couple, ret 55 — pre-65 draw rows must have GIS 0 / clawback 0
+const cpSym = E.project(inp({ household: 'couple', age: 52, province: 'ON', income: 60000, rrsp: 100000, tfsa: 30000,
+  nonreg: 20000, monthlyContribution: 0, spendingAnnual: 93000, retireAge: 55, cppStartAge: 60,
+  partner: { age: 52, income: 60000, rrsp: 100000, tfsa: 30000, nonreg: 20000, monthlyContribution: 0 } }));
+ok("couple: zero GIS below 65 (old: $13k/yr phantom rows 57–62)", cpSym.years.filter(y => y.age < 65 && y.gis > 0).length === 0);
+ok("couple: zero clawback below 65", cpSym.years.filter(y => y.age < 65 && y.oasClawback > 0).length === 0);
+ok("couple: net OAS ≥ 0 everywhere", cpSym.years.every(y => (y.oasGross - y.oasClawback) >= 0));
+ok("couple: no growing-Total draw rows (Withdraw>0 & Total↑)", (function () {
+  const a = cpSym.years;
+  for (let i = 1; i < a.length; i++) {
+    const W = (a[i].rrifWithdrawal || 0) + (a[i].nonregW || 0) + (a[i].tfsaW || 0);
+    if (a[i].phase === 'draw' && W > 1000 && a[i].totalBal > a[i - 1].totalBal) return false;
+  } return true;
+})());
+ok("couple: GIS paid at 65+ (household rate)", cpSym.years.filter(y => y.age === 70)[0].gis > 0,
+  cpSym.years.filter(y => y.age === 70)[0].gis.toFixed(0));
+// (b) plan test 3: partner 3 years younger (pt.age 50, p.age 52, retireAge 55).
+// The couple merge aligns partners on the AGE axis (byYear keys y.age) and both partners
+// share retireAge, so a same-retireAge couple has NO mixed draw window: rows 50–51 are the
+// younger partner's accumulation-only rows (older partner has no row yet → phase 'none').
+// Plan-literal "rows 50–54 mixed===true" is unreachable in this merge design — asserted as
+// the honest equivalent (window exists, totals grow — fine, phase accum, no false depletion).
+const cpOff = E.project(inp({ household: 'couple', age: 52, province: 'ON', income: 60000, rrsp: 100000, tfsa: 30000,
+  nonreg: 20000, monthlyContribution: 500, spendingAnnual: 93000, retireAge: 55,
+  partner: { age: 50, income: 0, rrsp: 20000, tfsa: 10000, nonreg: 5000, monthlyContribution: 200 } }));
+const w5054 = [50, 51, 52, 53, 54].map(a => cpOff.years.filter(y => y.age === a)[0]);
+ok("age-offset couple: partner-priority window rows 50–54 present", w5054.every(Boolean));
+ok("window totals GROW (accum rows — 'growing totals — fine')", (function () {
+  let prev = -1; return w5054.every(y => { const g = y.totalBal > prev; prev = y.totalBal; return g; });
+})());
+ok("window rows phase 'accum' (engine aligns by age; documented in report)", w5054.every(y => y.phase === 'accum'));
+ok("no depletion in the partner-priority window", w5054.every(y => y.phase !== 'draw'));
+ok("mixed flag never true on non-draw rows", cpOff.years.filter(y => y.phase !== 'draw' && y.mixed).length === 0);
+// (c) depletion guard: real depletion in fully-draw rows still detected (guard not broken)
+const cpDep = E.project(inp({ household: 'couple', age: 66, province: 'ON', income: 0, rrsp: 20000, tfsa: 5000,
+  nonreg: 1000, monthlyContribution: 0, spendingAnnual: 120000, retireAge: 66, cppStartAge: 66, oasStartAge: 65,
+  partner: { age: 66, income: 0, rrsp: 5000, tfsa: 1000, nonreg: 0, monthlyContribution: 0 } }));
+ok("fully-draw couple running out: depletionAge non-null (guard intact)", cpDep.depletionAge != null, cpDep.depletionAge);
+ok("depletion never fires on a mixed row", (function () {
+  const d = cpOff.depletionAge;
+  return d === null || !cpOff.years.filter(y => y.age === d)[0].mixed;
+})());
+
+console.log("---- 17. FIRE: retire age 40 + stale-save clamp ----");
+ok("fillDefaults({age:52, retireAge:40}) → 53 (stale saved state guard)",
+  E.fillDefaults({ age: 52, retireAge: 40 }).retireAge === 53, E.fillDefaults({ age: 52, retireAge: 40 }).retireAge);
+ok("fillDefaults({age:30, retireAge:40}) → 40 (FIRE plan untouched)",
+  E.fillDefaults({ age: 30, retireAge: 40 }).retireAge === 40, E.fillDefaults({ age: 30, retireAge: 40 }).retireAge);
+const fire = E.project(inp({ age: 30, province: 'BC', income: 90000, rrsp: 200000, tfsa: 100000, nonreg: 50000,
+  monthlyContribution: 0, retireAge: 40, spendingAnnual: 60000, cppStartAge: 60 }));
+ok("FIRE project: first draw row at age 40", fire.years.filter(y => y.phase === 'draw')[0].age === 40,
+  fire.years.filter(y => y.phase === 'draw')[0].age);
+ok("FIRE: rows 40–64 have GIS 0 and clawback 0 (self-funded gap years)",
+  fire.years.filter(y => y.age < 65 && (y.gis > 0 || y.oasClawback > 0)).length === 0);
+ok("stale 52y/retire-40 state: project clamps → first draw at 53",
+  E.project(inp({ age: 52, retireAge: 40 })).years.filter(y => y.phase === 'draw')[0].age === 53);
+
 console.log("\nRESULT: " + pass + " pass, " + fail + " fail");
 process.exit(fail ? 1 : 0);

tests/i18n.test.js

@@ -171,5 +171,14 @@ ok('legacy payload (no lang) → en', G().getLang() === 'en', G().getLang());
 c2 = fresh({ store: { [LS]: JSON.stringify({ lang: 'fr' }) }, hash: '#p=' + b64({ a: {}, step: 0, lang: 'en' }) });
 ok('payload en beats saved fr', G().getLang() === 'en', G().getLang());
 
+/* ---------- 2026-10 math fix: mixed-row legend + FIRE hint keys ---------- */
+ok('t.mixedNote present EN + FR (mixed-row legend)',
+  typeof get(I18N.en, 't.mixedNote') === 'string' && get(I18N.en, 't.mixedNote').indexOf('†') === 0 &&
+  typeof get(I18N.fr, 't.mixedNote') === 'string' && get(I18N.fr, 't.mixedNote').indexOf('†') === 0,
+  get(I18N.en, 't.mixedNote').slice(0, 40));
+ok('q.retire.hint mentions FIRE support EN + FR',
+  /FIRE/.test(get(I18N.en, 'q.retire.hint')) && /FIRE/.test(get(I18N.fr, 'q.retire.hint')),
+  get(I18N.fr, 'q.retire.hint').slice(0, 60));
+
 console.log(fails ? '\nI18N-FAIL: ' + fails + ' of ' + total : '\nI18N-OK all i18n checks passed (' + total + ')');
 process.exit(fails ? 1 : 0);

tests/ui.smoke.js

@@ -65,13 +65,14 @@ function buildShim() {
   global.confirm = () => true;
   global.fetch = () => Promise.resolve({ ok: true, json: () => Promise.resolve({}) });
 }
-function load(lang, psState) {
+function load(lang, psState, patch) {
   buildShim();
   global.window.RetireEngine = require(path.join(SITE, 'engine', 'engine.js'));
   global.window.RetireCanada = require(path.join(SITE, 'engine', 'canada.js'));
   global.window.RetirePS = require(path.join(SITE, 'engine', 'pspension.js'));
   // persisted state in the target language: fresh answers, dropped at the quiz start
   store[LS] = psState ? JSON.stringify(psState) : JSON.stringify({ a: {}, step: 0, screen: 'quiz', lang: lang });
+  if (patch) patch(global.window);   /* fixture hook: wrap engine before app.js eval (e.g. mixed-row †) */
   eval(fs.readFileSync(path.join(SITE, 'i18n.js'), 'utf8'));
   eval(fs.readFileSync(path.join(SITE, 'app.js'), 'utf8'));
 }
@@ -165,6 +166,9 @@ const EN = {
   g4Scen: /Current plan/,
   panel: /Savings at retirement/,
   wiCtrb: /\/mo/,
+  retireStep: /Retirement age/,
+  fireHint: /Early retirement \(FIRE\) supported/,
+  mixedNote: /One partner is retired/,
 };
 const FR = {
   title: /Où habitez-vous/,
@@ -182,6 +186,9 @@ const FR = {
   g4Scen: /Plan actuel/,
   panel: /Épargne à la retraite/,
   wiCtrb: /\/mois/,
+  retireStep: /Âge de la retraite/,
+  fireHint: /retraite anticipée \(FIRE\)/,
+  mixedNote: /partenaire est à la retraite/,
 };
 
 /* PS module flow: federal public servant answers → results card + chart series, per language. */
@@ -342,16 +349,78 @@ function runPsQuiz(lang, done) {
   }, 400);
 }
 
+/* 2026-10 math fix (FIRE): quiz retire step — slider floor 40 + FIRE hint, per language. */
+function runFire(lang, M, done) {
+  console.log('\n--- ' + lang.toUpperCase() + ' (FIRE: retire age 40) ---');
+  load(lang);
+  click('btn-begin');
+  const opt = makeEl('opt'); opt.dataset.v = 'ON';
+  q('#step-body').querySelectorAll = (sel) => (sel === '.opt' ? [opt] : []);
+  click('btn-begin');
+  opt._l.click();
+  let guard = 0;
+  while (guard++ < 20) {
+    if (M.retireStep.test(N(q('#step-body')._html))) break;
+    if (q('#btn-next').disabled) break;
+    click('btn-next');
+  }
+  const h = N(q('#step-body')._html);
+  ok('retire step reached', M.retireStep.test(h), 'steps=' + guard);
+  ok('FIRE: quiz retire slider min=40', /min="40"/.test(h), (h.match(/<input type="range"[^>]*>/) || [''])[0]);
+  ok('FIRE: hint mentions FIRE support', M.fireHint.test(h), h.slice(0, 90));
+  ok('FIRE: slider value renders (fmt years)', /id="sv"/.test(h));
+  done();
+}
+
+/* 2026-10 math fix (couple mixed rows): † on Total cell + bilingual legend under the table.
+   The engine keys couple rows by shared AGE and both partners share retireAge, so real mixed
+   draw windows need divergent phases — fixture patches project() to flag 3 draw rows. */
+function runMixed(lang, M, done) {
+  console.log('\n--- ' + lang.toUpperCase() + ' (couple mixed-row † legend) ---');
+  /* engine module is require-cached: wrap and RESTORE project() so the control load is clean */
+  const E0 = require(path.join(SITE, 'engine', 'engine.js')), orig = E0.project;
+  load(lang, {
+    a: {
+      province: 'ON', age: 52, household: 'couple', income: 60000, rrsp: 100000, tfsa: 30000,
+      nonreg: 20000, monthlyContribution: 500, retireAge: 55, spendingAnnual: 93000, cppStartAge: 60,
+      partner: { age: 50, income: 0, rrsp: 20000, tfsa: 10000, nonreg: 5000, monthlyContribution: 200 }
+    }, step: 0, screen: 'results', lang: lang
+  }, function (w) {
+    w.RetireEngine.project = function (p) {
+      const r = orig(p);
+      r.years.filter(y => y.phase === 'draw').slice(0, 3).forEach(y => { y.mixed = true; });
+      return r;
+    };
+  });
+  const tblHtml = q('#yr-table')._html;
+  ok('mixed rows footnoted † on Total cell (3 flagged)', (tblHtml.match(/†/g) || []).length === 3, (tblHtml.match(/†/g) || []).length);
+  ok('† sits inside the Total <b> cell', /<b>[^<]*\s†<\/b>/.test(tblHtml), (tblHtml.match(/<b>[^<]*†[^<]*<\/b>/) || [''])[0]);
+  const note = q('#yr-mixed-note');
+  ok('bilingual legend shown under the table', note.hidden === false && M.mixedNote.test(N(note.textContent)), N(note.textContent).slice(0, 60));
+  /* control: single-person results have no † and the legend stays hidden */
+  E0.project = orig;
+  load(lang, {
+    a: { province: 'ON', age: 45, household: 'single', income: 60000, rrsp: 100000, tfsa: 30000,
+      nonreg: 20000, monthlyContribution: 500, retireAge: 65, spendingAnnual: 50000 },
+    step: 0, screen: 'results', lang: lang });
+  ok('control single: no † rows, legend hidden', !/†/.test(q('#yr-table')._html) && q('#yr-mixed-note').hidden === true);
+  done();
+}
+
 run('en', EN, () => run('fr', FR, () => runPs('en', {
   psCard: /federal public service pension/, psAt: /60,000/, psFrom: /46,012\.50/,
   psBridge: /13,987\.50/, psSeries: /Public service pension/, psInsight: /covers about/
 }, () => runPs('fr', {
   psCard: /pension de la fonction publique fédérale/, psAt: /60[\s\u00a0\u202f]000/, psFrom: /46[\s\u00a0\u202f]012,50/,
   psBridge: /13[\s\u00a0\u202f]987,50/, psSeries: /Pension de la fonction publique/, psInsight: /couvre environ/
-}, () => runPsQuiz('en', () => runPsQuiz('fr', () => {
-  ok('EN privacy line present in index.html', /never leave your browser/.test(fs.readFileSync(path.join(SITE, 'index.html'), 'utf8')));
+}, () => runPsQuiz('en', () => runPsQuiz('fr', () =>
+  runFire('en', EN, () => runFire('fr', FR, () => runMixed('en', EN, () => runMixed('fr', FR, () => {
+  const idx = fs.readFileSync(path.join(SITE, 'index.html'), 'utf8');
+  ok('what-if retirement slider min 40 (index.html)', /id="wi-ret" min="40"/.test(idx), (idx.match(/id="wi-ret"[^>]*/) || [''])[0]);
+  ok('legend element present under yearly table (index.html)', /id="yr-mixed-note"/.test(idx));
+  ok('EN privacy line present in index.html', /never leave your browser/.test(idx));
   ok('FR privacy string present in i18n.js', /ne quittent jamais votre navigateur/.test(fs.readFileSync(path.join(SITE, 'i18n.js'), 'utf8')));
   console.log(fails ? '\nSMOKE-FAIL: ' + fails + ' of ' + total : '\nSMOKE-OK all ui smoke checks passed (' + total + ')');
   process.exit(fails ? 1 : 0);
-}))))))
+}))))))))))
 ;