Retire Planner v1: engine (live 2026 CPP/OAS/GIS/RRIF/tax), 17-step UI, 4 SVG charts, vision gallery, tests

2026-10-08 23:00:18 -04:00
commit e25dd4e0a1
@@ -0,0 +1,5 @@
 .fetch/
 dsh-run.log
 *.pid
 node_modules/
 site/vision/*.jpeg
@@ -0,0 +1,296 @@
 # PLAN: Canadian Retirement Planner → https://retire.krisforbes.ca
 **Status:** PLAN v1 — written 2026-10-08 ~21:30 EDT by Hermes (GLM). **Execution: DSH (local 27B), all stages, zero user interaction.**
 **User authorization (verbatim from request):** "plan it then DSH will execute all stages, do this without my intervention for all stages as i will be away." → **Every stage below is pre-approved. Ask ZERO questions. Use the defaults and failure policy in this document.**
 ## 0. Goal
 Build and deploy a **Canadian-focused retirement calculator** at **https://retire.krisforbes.ca** that exceeds https://www.wealthsimple.com/en-ca/tool/retirement-calculator with:
 1. **Real Canadian mechanics**: CPP (start-age 60–70 with actuarial adjustment, income-based estimate, YMPE cap), OAS (65–70 deferral, 75+ boost, **clawback/recovery tax**), GIS (simplified), RRSP→**RRIF conversion at 71 with mandatory minimum withdrawals**, user-specified **"withdraw $X/yr from my RRSP"**, TFSA (tax-free), non-registered (50% capital-gains inclusion), pension/rental income, **federal + provincial 2025 tax brackets per province**, age amount, pension income splitting, BPA credits.
 2. **"Next → next → next" questionnaire**: one question per screen, progress indicator, and a **persistent "Your plan so far" feedback panel below the question** that recomputes live after every answer and shows running stats + one contextual insight per question.
 3. **Simple graphs**: hand-rolled inline SVG (no CDN dependency): (G1) portfolio balance by age, (G2) stacked retirement income by source at 65/70/75/80/85, (G3) annual tax + OAS clawback in retirement, (G4) lifetime income-source donut.
 4. **NanoGPT image integration**: a small gallery of Canadian retirement-scene images generated with the user's nano-gpt account using the **cheapest allowance-included model**, wired into a "Your Retirement Vision" card on the results page (matched to province + interests, browsable gallery).
 5. **Tax-smart drawdown engine**: solves the RRSP/RRIF withdrawal that *exactly* meets the spending goal after tax and OAS clawback (bisection), instead of naive flat withdrawals.
 **Non-goals (do not build):** accounts/login, server-side storage (site is 100% client-side — answers never leave the browser; **say this on the site**), French UI, Monte Carlo simulation, DB pension modeling (user enters pension $ directly).
 ## 0.1 Execution model (DSH)
 - Workspace (workdir, all local writes RELATIVE to it): `/home/ubuntu/projects/retire-planner`
 - Launch (user pastes this, or Hermes fires it on the user's word "go"):
  ```
  ~/.local/bin/dsh-run /home/ubuntu/projects/retire-planner "Read PLAN.md in this workspace root FIRST — it is the complete spec. Execute ALL stages 0-10 end-to-end. The user is away and pre-approved every stage: ask ZERO questions, follow the defaults and failure policy. When done, REPORT.md must exist in the workspace root and your FINAL output line must be exactly: RETIRE_PLANNER_DONE"
  ```
 - DSH constraints (from deepseek-harness skill): keep prompts free of real secrets (read keys from files at runtime); local file writes relative to the workspace; repo commits in the workspace; `dsh-run` positional arg = workdir. Long build (~30–45 min) is expected and fine.
 - **Done criteria:** site live at https://retire.krisforbes.ca returning 200 with marker `<!-- retire-planner v1 -->`, REPORT.md written, final line `RETIRE_PLANNER_DONE`.
 ## 0.2 Ground truth gathered at plan time (do not re-derive; re-verify only what the stages say to re-verify)
 | Fact | Value |
 |---|---|
 | CF zone id (krisforbes.ca) | `8cf8e4d7035b85deb6ebfe0026da3392` |
 | CF API token (live) | **NOT in shell env.** Extract on Unraid: `grep -oE 'cfut_[A-Za-z0-9_\-]+' /mnt/cache/docker/caddy/config/caddy/autosave.json | head -1` (this is Caddy's LE DNS-challenge token; proven recipe in skill `mcp-deployment-pipeline` §"Cloudflare API token") |
 | Existing DNS pattern | CNAME `<sub>.krisforbes.ca` → `dyn.krisforbes.ca`, `proxied:false`, ttl 1. DNS POST = JSON body to `/client/v4/zones/<zone>/dns_records` with `Authorization: Bearer <tok>` |
 | Unraid | `root@192.168.0.123` ssh works from this box (BatchMode). **Unraid has NO python3.** Pipe scripts to `ssh root@192.168.0.123 bash -s` on stdin (quoting via `bash -c '<cmd>'` loses everything after the first quote) |
 | Free host ports on Unraid | 8100 simcoe, 8101 blogapp, 8102 dashboard, 8105 firecrawl, 8106 novel, 8109 apex300 are TAKEN → **use 8103** (verified free at plan time; re-check in Stage 6) |
 | Caddy | container `CaddyV2` (image `caddy:cloudflare`), Caddyfile at `/mnt/cache/docker/caddy/config/Caddyfile`. Existing per-subdomain block pattern (blogapp/dashboard):
  ```
  # HERMES: <name>
  <sub>.krisforbes.ca {
    encode gzip
    reverse_proxy 192.168.0.123:<port> {
      header_up X-Real-IP {remote_host}
    }
  }
  # END HERMES: <name>
  ```
  Edit → **`docker restart CaddyV2`** (reload does NOT pick up bind-mount changes). TLS is handled globally (no tls block needed — grey-cloud DNS-only sites get LE certs via the caddy:cloudflare plugin). |
 | Webroot convention | Skill `static-site-unraid-deploy`: appdata at `/mnt/better/appdata/<name>` (NOT /mnt/cache). blogapp is the known exception at `/mnt/cache/appdata/blogapp`. **Use `/mnt/better/appdata/retireapp/`** |
 | nginx pattern | blogapp = nginx container, webroot bind-mounted `:ro` at `/usr/share/nginx/html`. Copy blogapp's exact image tag: `docker inspect blogapp --format '{{.Config.Image}}'` |
 | Gitea | `https://gitea.krisforbes.ca` (API also at `http://192.168.0.123:3000/api/v1`, version 28.0.0). Credentials in `~/.git-credentials`: `https://krisf:<tok>@gitea.krisforbes.ca` (git uses it automatically; for API calls parse it, **never print the token**). Create repos via Gitea API, push via git HTTPS — never scp/ssh-copy repo content. |
 | nano-gpt key | `HERMES_CUSTOM_NANO_GPT_API_KEY=` in `~/.hermes/.env` (read at runtime, never commit/print) |
 | nano-gpt image API | `POST https://nano-gpt.com/api/v1/images/generations` (Image API only — the chat-completions image route is dead with `zdr_provider_required`). Catalog: `GET /api/v1/images/models`; per-model params: `GET /api/v1/images/models/<id>/endpoints`. Response: `data[].b64_json` **or** `data[].url` (R2 links expire — download immediately), plus `cost` and `remainingBalance`. |
 | **Free/cheap image models (checked live 2026-10-08)** | No model is literally $0 list price. Cheapest allowance-included: **`z-image-turbo` — $0.0119/image** (Pro daily allowance; fastest ~5 s; pixel-grid resolutions like `1024*1024`, max 1536*1536, max 4 images/call, prompt ≤1200 chars) and **`qwen-image` — $0.02/image** (also allowance-included). **`nano-banana-pro-ultra` = $0.26 — FORBIDDEN by user.** Budget: 13 images × $0.0119 ≈ **$0.16 worst case**. |
 | node on this box | `/home/ubuntu/.hermes/tools/node-26.7.0-linux-x64/bin/node` v26.7.0 (on PATH as `node`) — use it to unit-test the engine |
 | Off-LAN verification vantage | Home hairpin NAT is BLOCKED — `curl https://<sub>.krisforbes.ca` from this box proves nothing about inbound. Verify from Midhurst: site proxy `projects/ego-test/site_proxy.py` at `synoadmin@100.96.20.61:8899` (use as `curl -x http://100.96.20.61:8899 ...`), or the troublebox `trouble@100.96.20.61:2222`. DNS-only (grey cloud) records mean traffic goes straight to the WAN IP (UDR7 DDNS via `dyn.krisforbes.ca`). |
 | Existing `retire` DNS/Caddy | Not present at plan time (Caddyfile blocks: tv/bw/photos/midhurstroofing/gitea/plex/simcoe/blogapp/dashboard/bluetti/forces/novel; no retire). Stage 8 checks for an existing record first anyway. |
 ## 0.3 Failure policy (user is away — decide, don't ask)
 - **Stage 4 (images) fails or balance < $1** → ship the site with built-in SVG gradient placeholder art; note it in REPORT.md. NOT fatal.
 - **Stage 8 (CF DNS) fails** (no token / API error) → site stays live at `http://192.168.0.123:8103`; write a loud BLOCKER section in REPORT.md with the exact manual command. NOT fatal to the build.
 - **Any other stage fails** → fix forward if a safe fix exists; otherwise roll back Stage 7 (Caddy) so no half-configured route remains, and write the failure + evidence to REPORT.md. Never leave the Caddyfile broken: always `docker restart CaddyV2` only after the block is syntactically complete, and keep the backup.
 - Every stage appends evidence (command + output snippet) to REPORT.md as it goes, so a failure mid-run is diagnosable without re-running anything.
 ---
 ## Stage 0 — Preflight (read-only; ~2 min)
 Run and log to REPORT.md:
 1. `pwd` is the workspace; `node --version`; `git --version`.
 2. Gitea reachable: `curl -s http://192.168.0.123:3000/api/v1/version`.
 3. Unraid reachable: `ssh -o BatchMode=yes -o ConnectTimeout=10 root@192.168.0.123 'echo ok'`.
 4. Port 8103 free: `ssh root@192.168.0.123 'ss -tlnp | grep :8103'` → expect empty.
 5. nano-gpt key present: `grep -c '^HERMES_CUSTOM_NANO_GPT_API_KEY=' ~/.hermes/.env` → 1. Fetch balance/allowance later in Stage 4 (response carries `remainingBalance`).
 6. Confirm no existing repo `retire-planner`: `curl -s http://192.168.0.123:3000/api/v1/repos/krisf/retire-planner` → expect 404.
 ## Stage 1 — Canadian constants module (`site/engine/canada.js`)
 **Fetch-first, fallback-second.** Create `CONSTANTS` with every value stamped `{value, source, asOf}`. Fetch these pages (web fetch or curl; canada.ca is reachable from this box) and parse the current figures:
 | Key | Source URL | Fallback (stamp "FALLBACK — verify") |
 |---|---|---|
 | `cppMax65Monthly` (max CPP at 65) | canada.ca/en/services/benefits/publicpensions/cpp/cpp-benefit/amount.html | 1433.00 (2025) |
 | `ympe` (Year's Maximum Pensionable Earnings) | same page | 69700 (2025) |
 | `oasMax6574Monthly` | canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments.html | 713.34 (2025 Q1) |
 | `oas75Boost` | same (10% at 75) | 1.10 |
 | `oasClawbackThreshold` (net income) | canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/recovery-tax.html | 93454 (2025) |
 | `gisMaxSingleMonthly` (simplified) | canada.ca/.../guaranteed-income-supplement.html | 1086.88 (2025 Q3, verify) |
 | RRIF minimum % by age 71–95 | canada.ca/en/revenue-agency/services/tax/individuals/topics/registered-retirement-income-fund-rrif (minimum withdrawal tables) | table: 71:5.28 72:5.40 73:5.53 74:5.67 75:5.82 76:5.98 77:6.17 78:6.36 79:6.58 80:6.82 81:7.08 82:7.38 83:7.71 84:8.08 85:8.51 86:8.99 87:9.55 88:10.21 89:10.99 90:11.91 91:13.06 92:14.49 93:16.34 94:18.79 95:20.00 |
 | Federal 2025 brackets | canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/canadian-income-tax-rates-individuals-current-previous-years.html | 15% ≤57,375; 20.5% ≤114,750; 26% ≤177,882; 29% ≤253,414; 33% above. BPA 15,705. Age amount max 8,790 (65+, claws back 15% of net income over 44,017). Pension income amount 2,000 |
 | Provincial 2025 brackets + BPA, all 13 prov/terr | canada.ca provincial tax pages / taxtips.ca 2025 tables | embed at least ON/QC/BC/AB; if a province can't be fetched, use federal-only + a flat 5% surrogate **and stamp it clearly** |
 | CPP actuarial factors | canada.ca CPP "before/after 65" adjustment | −0.6%/month before 65 (60 → ×0.64), +0.7%/month after 65 (70 → ×1.42) |
 | OAS deferral | canada.ca OAS | +0.6%/month 65→70 |
 Rules: all money in the engine is **real (today's) dollars** — inflation only indexes the *displayed* CPP/OAS amounts and is used for the inflation assumption insight. Defaults stamped in the UI: real return 3.5% pre-retirement / 2.5% post (net of fees), inflation 2%, life expectancy 95.
 ## Stage 2 — Calculator engine (`site/engine/engine.js`)
 Pure functions, no DOM. UMD export (`if (typeof module !== 'undefined') module.exports = {...}`) so node can unit-test. Core:
 ```
 inputs = {
  age, province, household: 'single'|'couple',
  partner: {age, income, rrsp, tfsa, nonreg, monthlyContribution} | null,
  income, rrsp, tfsa, nonreg, monthlyContribution, employerMatchMonthly,
  retireAge, spendingAnnual (today's $),
  cppStartAge (60-70), cppOverrideMonthlyAt65 (0 = auto),
  oasStartAge (65-70),
  rrspWithdrawalOverrideAnnual (0 = auto),
  pensionAnnual, rentalAnnual, otherAnnual,
  realReturnPre (0.035), realReturnPost (0.025), inflation (0.02), lifeExp (95)
 }
 ```
 Functions:
 1. `estimateCppMonthlyAt65(income, age)` → `0.25 × min(avgEarnings, ympe) × min(1, contribYears/40)` where `contribYears ≈ max(0, age − 22)` capped at 47; capped at `cppMax65Monthly`. (contributory period 18→65 = 47 yrs; general drop-out ≈ 17% → ~40 effective years. Document as an estimate; the UI shows the canada.ca link to get the real statement.)
 2. `cppMonthlyAt(age, startAge, at65)` → `age < startAge ? 0 : at65 × adj(age)` with `adj = (1 − 0.006×monthsBefore65)` if startAge<65 else `(1 + 0.007×monthsAfter65)`; applied to the pension *started* at startAge: `monthly = at65 × adj(startAge)` and stays flat (real) after start.
 3. `oasMonthlyAt(startAge)` → 0 before start; `oasMax6574 × (1 + 0.006×monthsAfter65 if startAge>65) × (1.10 if age≥75)`.
 4. `tax(taxableIncome, province, age, {pensionIncome})` → federal + provincial on brackets; credits: BPA (fed+prov, clawed back 15% over ~$165k/$173k net income thresholds — simplify: reduce BPA by 15% of net income above 165,000, floor 0), age amount if 65+ (clawback 15% over 44,017), pension income amount $2,000 (fed+prov) on eligible pension/RRIF income if 65+. Couple mode: pension splitting — model 50% of pension+RRIF income split (recompute both partners' tax on split incomes, sum). Keep this simple but present.
 5. `clawback(netIncome)` → `0.15 × max(0, netIncome − oasClawbackThreshold)`.
 6. `gis(incomeExOas, household)` → simplified: only if income ex-OAS below ~$20k (single) / ~$26k (couple, both 65+); `gis = max(0, gisMax − 0.5 × max(0, incomeExOas − 5000))` (first $5k employment exemption approximated); non-taxable. Stamp "simplified".
 7. `project(inputs)` → year-by-year array from `age` to `lifeExp`:
   - Accumulation (age → retireAge): `bal = bal×(1+r) + 12×contrib(+match)`; contributions grow at `inflation` (real terms: keep flat — choose flat, document). Track `rrsp`, `tfsa`, `nonreg` separately. At retireAge: `nestEgg = sum`.
   - Drawdown (retireAge → lifeExp), all real dollars:
     - `cpp = cppMonthlyAt(...)×12`, `oasGross = oasMonthlyAt(...)×12` (0 before start ages)
     - `other = pension + rental + otherAnnual`
     - `need = spendingAnnual`
     - RRIF rule: from the end of the year the person turns 71, `rrsp` is a RRIF: `minWithdrawal = rrifPct(age) × rrspBalance` (age 71 uses the 71 row; at exactly 71 use that year's pct on the Jan-1 balance).
     - Solve `W` (RRSP/RRIF withdrawal) by **bisection (25 iterations)** such that:
       `cash = cpp + oasGross + other + W + nonregW + tfsaW − tax(taxable) − clawback(netIncome) = need`
       where `taxable = cpp + oasGross + other + W + 0.5×nonregW` (non-reg drawdowns taxed as 50% capital gains on the withdrawn amount — conservative simplification), `netIncome = taxable` (line 23400 approx), `nonregW = min(nonregBal, max(0, needGapAfterRrsp…))` — order the waterfall **RRSP/RRIF → non-reg → TFSA (last, tax-free)**, with `W = max(userOverride, rrifMin)` when override > 0 (override means "withdraw at least X from RRSP per year"), else `W = solution`.
       If user override set: `W = max(override, rrifMin)`; then nonregW/TFSAW fill any remaining gap; if cash still < need → record `unfunded = need − cash`.
     - Update balances: `rrsp −= W`; `nonreg −= nonregW`; `tfsa −= tfsaW`; floor at 0. If all hit 0 → `depletedAge = age`, stop drawing, `unfunded` accrues.
     - Record per-year: `{age, cpp, oasGross, oasClawback, gis, other, rrifWithdrawal: W, nonregW, tfsaW, taxable, tax, cash, need, unfunded, rrspBal, tfsaBal, nonregBal, totalBal}`.
   - Couple mode: run `project` per person with household spending split 50/50 (or 60/40 if one retires later — keep 50/50, document), then merge: household cash = sum; depletion = when combined balances hit 0. OAS: each person's own. GIS: household rate if both 65+.
 8. `sustainableSpending(inputs)` → bisection on `spendingAnnual` so that `totalBal ≥ 0` through `lifeExp` (or depletion age > lifeExp). Returns $/yr and $/mo.
 9. `recommendations(inputs, projection)` → compute three gap-closers: (a) extra monthly contribution needed to close gap, (b) retirement age that closes gap (+N yrs), (c) spending reduction that closes gap. Each as a concrete number.
 Unit tests (Stage 2 exit): `node tests/engine.test.js` — assert: CPP at 60 = 0.64×at65; CPP at 70 = 1.42×at65; RRIF min at 71 = 5.28% of balance; ON tax on $80k taxable ≈ $13–15k (sanity band, print actual); a depleting scenario returns a `depletedAge`; sustainableSpending ≤ spending input when gap exists. Print PASS/FAIL lines; all must pass.
 ## Stage 3 — UI (`site/index.html`, `site/app.js`, `site/style.css`)
 - Single page, no build step, no CDN. Vanilla JS + inline SVG charts. Mobile-first, clean light design, CAD formatting (`$1,234,567`), accessible labels.
 - **Questionnaire**: one question per view, big controls, **"Question N of M" + progress bar**, Back / Next buttons. Steps:
  1. Age now (25–70)
  2. Province/territory (13)
  3. Household: just me / I have a partner → if partner: partner age, partner income, partner savings split (3 sub-questions)
  4. Your gross income $/yr
  5. Your savings: RRSP $, TFSA $, non-registered $ (three inputs, one screen)
  6. Monthly contributions + employer match $/mo
  7. Retirement age (50–75)
  8. Annual spending goal in retirement (today's $)
  9. CPP: start age slider 60–70 + optional "my estimated CPP at 65" override
  10. OAS start age 65–70
  11. RRSP/RRIF withdrawals: "$____ per year (0 = smart auto)"
  12. Other income: pension $/yr, rental $/yr, other $/yr
  13. Interests in retirement (multi-select chips: cottage/lake, travel, gardening, workshop, grandkids, volunteering, golf, city life) → drives vision image
  14. Assumptions (collapsible, defaults shown): real return pre/post, inflation, life expectancy 80–100
 - **Building feedback panel** (the core UX requirement): a persistent card directly below the question, visible on every step. After EVERY answer it re-runs `project()` with current inputs (missing values = defaults) and shows 4 live stat chips — **Nest egg at retirement: $X** / **On track: X%** (nestEgg ÷ required, where required = sustainableSpending⁻¹… define: required nest egg = spending × 25 adjusted, or better: run sustainableSpending on current inputs → "your current savings pace supports $Y/yr") / **Money lasts to age Z** / **CPP at 65 ≈ $X/mo** — plus **one contextual insight sentence per question**, e.g.:
  - Province → "Top marginal rate in Ontario: 53.53% — RRSP/RRIF withdrawals are taxed as ordinary income."
  - Income → "At $85k you're building toward ≈ $1,240/mo CPP at 65 (2026 max $1,447)."
  - Savings → "62% of your savings are in registered accounts. TFSA withdrawals are tax-free — handy for bridging before CPP starts."
  - Contributions → "You're saving 9% of gross including match; 15% is the common rule of thumb."
  - Retirement age → "Retiring at 67 projects ≈ $1.42M (today's dollars) at your current pace."
  - Spending → "A $72k/yr goal needs ≈ $1.9M at a 3.5% real return. You're at 74% of that."
  - CPP start → "Starting CPP at 60 pays $X/mo (−36% vs 65); starting at 70 pays $Y/mo (+42%). Break-even ≈ age 74."
  - OAS → "OAS at 65 ≈ $X/mo. At your income the recovery tax may claw back ≈ $Y/yr." (compute from projection)
  - RRSP withdrawal → "$24k/yr from RRSP at 67 costs ≈ $Z/yr in Ontario tax; the engine tops up from TFSA last."
  - Other income → income-stack preview sentence.
  - Interests → "Nice — we'll match a retirement scene to that."
  - Assumptions → "±1% real return swings your nest egg by ≈ ±$X."
 - **Results view**: hero stats (nest egg, sustainable spending $/mo, depletion age or "lasts past 95", lifetime tax+clawback drag), graphs G1–G4 (SVG), **Your Retirement Vision** card (matched image + gallery strip + Download link), **3 ways to close the gap** (from `recommendations`), what-if sliders (retireAge, spending, realReturn) with live recalc, disclaimer footer: *"Estimates only — not financial advice. CPP/OAS/GIS figures from canada.ca as of <date>; tax rates <year>."*
 - Privacy line on the first screen: **"100% client-side — your answers never leave your browser."**
 - Persist answers in `localStorage` (resume on refresh).
 ## Stage 4 — Vision images (nano-gpt, cheapest model)
 1. `KEY=$(grep -m1 '^HERMES_CUSTOM_NANO_GPT_API_KEY=' ~/.hermes/.env | cut -d= -f2)` (never echo the key).
 2. Confirm model params: `curl -s https://nano-gpt.com/api/v1/images/models/z-image-turbo/endpoints` (already known: pixel-grid resolutions, prompt ≤1200 chars).
 3. Generate **13 images**, `POST https://nano-gpt.com/api/v1/images/generations`, body `{"model":"z-image-turbo","prompt":"...","resolution":"1024*1024","n":1}`. Save `data[0].url` immediately via curl (R2 expiry) into `site/vision/<slug>.png` (check magic bytes; rename .webp if needed and reference correctly). Log `cost` + `remainingBalance` per image into REPORT.md. **Abort the stage if `remainingBalance` < 1.0 or cumulative cost > $2** (site ships with SVG fallbacks).
 4. Prompts (tasteful, no text, no specific people; Canadian):
   - `hero` — "A calm Canadian lakeside at dawn, mist over still water, pine forest, soft pastel sky, wide serene landscape, photorealistic"
   - `muskoka` — "A cozy wooden cottage on a pine-framed lake at golden hour, Muskoka Ontario, loon, warm window light, photorealistic"
   - `rockies` — "Turquoise glacial lake with snow-capped Rocky Mountains at sunrise, Banff, photorealistic"
   - `maritimes` — "White lighthouse on rugged red sandstone cliffs, Atlantic waves, Peggy's Cove style, soft morning light, photorealistic"
   - `prairies` — "Endless golden wheat field under a huge prairie sky with a dramatic summer sunset, Saskatchewan, photorealistic"
   - `quebec` — "Colourful historic houses and cobblestone streets of Quebec City old town in autumn, photorealistic"
   - `vancouver` — "Vancouver skyline with North Shore mountains and Stanley Park seawall at dusk, photorealistic"
   - `toronto` — "Toronto skyline and Lake Ontario waterfront at blue hour, photorealistic"
   - `garden` — "A sunny backyard vegetable and flower garden with a small garden shed, Canada, photorealistic"
   - `travel` — "Aerial view of a seaplane over a northern Canadian lake surrounded by forest, adventure travel, photorealistic"
   - `workshop` — "A bright woodworking workshop with hand tools on a pegboard wall, warm light, hobby, photorealistic"
   - `winter` — "A snow-covered log cabin with warm glowing windows in a quiet northern forest, winter evening, photorealistic"
   - `dock` — "A wooden dock at sunset with two empty chairs overlooking a quiet lake, peaceful, photorealistic"
 5. Province→scene map for the vision card: ON→muskoka, QC→quebec, BC→vancouver, AB→rockies, SK/MB→prairies, NS/NB/NL/PE→maritimes, YT/NT/NU→winter, default→muskoka. Interest chips override: gardening→garden, workshop→workshop, travel→travel, cottage→muskoka/rockies by province, grandkids→dock, city→toronto/vancouver by province. Gallery strip shows all with captions; Download button per image.
 6. If the stage aborts: `app.js` detects missing images (fetch HEAD 404) → renders gradient placeholder cards with the scene name. Build this fallback regardless.
 ## Stage 5 — Gitea repo (source of truth)
 1. Create repo via API (token from `~/.git-credentials`, parse with awk/sed, never print):
   `curl -s -X POST http://192.168.0.123:3000/api/v1/user/repos -H "Authorization: token <tok>" -H 'Content-Type: application/json' -d '{"name":"retire-planner","private":false,"auto_init":false,"default_branch":"main"}'`
   (If 422 "already exists" → reuse it.)
 2. In workspace: `git init -b main`, set local identity if unset (`git config user.name "Kris Forbes"; git config user.email "kris@gohosted.ca"`), `echo site/ > .gitignore`? No — commit `site/` and `tests/` and `PLAN.md` and `REPORT.md` (when written). `git remote add origin https://gitea.krisforbes.ca/krisf/retire-planner.git`, commit, push. **Verify no secret strings in the repo** (`git grep -iE 'HERMES_CUSTOM_NANO_GPT_API_KEY=..|cfut_' $(git rev-list --all)` must be empty; the key value must never appear).
 ## Stage 6 — Unraid web app (nginx, port 8103)
 All via `ssh root@192.168.0.123 bash -s` (pipe on stdin):
 1. Re-verify 8103 free.
 2. `IMG=$(docker inspect blogapp --format '{{.Config.Image}}')` — reuse blogapp's exact nginx image.
 3. `mkdir -p /mnt/better/appdata/retireapp/html /mnt/better/appdata/retireapp/config`
 4. Write `/mnt/better/appdata/retireapp/config/nginx.conf` (via stdin heredoc): server on 80, root `/usr/share/nginx/html`, `index index.html`, gzip on, `location / { try_files $uri $uri/ =404; }`, `location /vision/ { expires 7d; }`.
 5. `rsync -a --delete site/ root@192.168.0.123:/mnt/better/appdata/retireapp/html/` (from the workspace; rsync over ssh works).
 6. `docker run -d --name retireapp --restart unless-stopped -p 8103:80 -v /mnt/better/appdata/retireapp/html:/usr/share/nginx/html:ro -v /mnt/better/appdata/retireapp/config/nginx.conf:/etc/nginx/conf.d/default.conf:ro $IMG`
 7. Verify: `docker ps --format '{{.Names}} {{.Status}}' | grep retireapp` (Up), `curl -s http://192.168.0.123:8103/ | grep -c 'retire-planner v1'` → ≥1, and `curl -s http://192.168.0.123:8103/engine/engine.js | head -3`.
 ## Stage 7 — Caddy route (config push — user pre-approved; still do it safely)
 1. Backup: `cp /mnt/cache/docker/caddy/config/Caddyfile /mnt/cache/docker/caddy/config/Caddyfile.bak-retire-$(date +%s)`.
 2. Append the block (heredoc via stdin, at END of file — top-level blocks can go anywhere):
   ```
   # HERMES: retire
   retire.krisforbes.ca {
     encode gzip
     reverse_proxy 192.168.0.123:8103 {
       header_up X-Real-IP {remote_host}
     }
   }
   # END HERMES: retire
   ```
 3. Sanity: `grep -c 'END HERMES: retire' Caddyfile` → 1; then `docker restart CaddyV2`; `sleep 3`; `docker logs --tail 15 CaddyV2` (no config errors).
 4. Verify local route: `curl -s -H 'Host: retire.krisforbes.ca' http://192.168.0.123:8103/ | grep -c 'retire-planner v1'` (Host header hits the vhost directly since Caddy proxies to 8103 regardless — this just proves origin serving; the real check is Stage 9).
 ## Stage 8 — Cloudflare DNS (CNAME retire → dyn.krisforbes.ca, grey cloud)
 1. Token: `TOK=$(ssh root@192.168.0.123 "grep -oE 'cfut_[A-Za-z0-9_\-]+' /mnt/cache/docker/caddy/config/caddy/autosave.json | head -1")` — never print it. Zone: `8cf8e4d7035b85deb6ebfe0026da3392`.
 2. Check existing: `curl -s "https://api.cloudflare.com/client/v4/zones/$Z/dns_records?name=retire.krisforbes.ca" -H "Authorization: Bearer $TOK"` → if a record exists with content `dyn.krisforbes.ca`, skip creation (log it). If it exists pointing elsewhere, PATCH it.
 3. Create: `curl -s -X POST "https://api.cloudflare.com/client/v4/zones/$Z/dns_records" -H "Authorization: Bearer $TOK" -H 'Content-Type: application/json' -d '{"type":"CNAME","name":"retire.krisforbes.ca","content":"dyn.krisforbes.ca","proxied":false,"ttl":1}'` → expect `"success":true`; log the record id into REPORT.md (needed for rollback).
 4. Propagation check: `dig +short retire.krisforbes.ca @1.1.1.1` → CNAME dyn.krisforbes.ca → A record(s).
 ## Stage 9 — Verification (evidence into REPORT.md)
 1. Origin: `curl -s http://192.168.0.123:8103/ | grep -o '<title>[^<]*</title>'`.
 2. DNS: `dig +short retire.krisforbes.ca` (CNAME → dyn → A).
 3. **Off-LAN HTTPS (the real test — hairpin is blocked, do NOT trust a same-LAN curl):** via the Midhurst site proxy: `curl -s -x http://100.96.20.61:8899 -o /dev/null -w '%{http_code}\n' https://retire.krisforbes.ca/` → expect 200 (see `projects/ego-test/site_proxy.py` for how the proxy is started; if it's not running, start it per that project's notes, or use the troublebox `ssh trouble@100.96.20.61 -p 2222 'curl -sI https://retire.krisforbes.ca/'`). First hit may take up to ~60 s if Caddy issues an on-demand LE cert — retry up to 5× with 15 s sleeps. Also fetch the page body off-LAN and grep the `retire-planner v1` marker + `<title>`.
 4. Asset checks off-LAN: `/engine/engine.js`, `/style.css`, `/app.js`, one `/vision/*.png` → all 200.
 5. Engine smoke in browser context: `node tests/engine.test.js` already passed (Stage 2); additionally `node -e` a full `project()` run with sample inputs and print nestEgg/depletionAge/sustainableSpending — log the numbers.
 6. Mobile: `curl -s .../ | grep -c 'name="viewport"'` → 1.
 ## Stage 10 — REPORT.md + done
 Write `REPORT.md` in the workspace root: what was built (file tree), the launch URL, Stage-by-stage checklist with evidence snippets, image-gen spend (sum of `cost`, models used), constants as-of dates, any skipped/failed stages + why, rollback instructions (below), and the done token. Commit + push REPORT.md. **Final output line: `RETIRE_PLANNER_DONE`.**
 ## Rollback (if ever needed — put this in REPORT.md too)
 ```bash
 # 1. remove Caddy block + restart
 ssh root@192.168.0.123 bash -s <<'EOF'
 sed -i '/# HERMES: retire/,/# END HERMES: retire/d' /mnt/cache/docker/caddy/config/Caddyfile
 docker restart CaddyV2
 docker rm -f retireapp
 rm -rf /mnt/better/appdata/retireapp
 EOF
 # 2. delete DNS record (id captured in REPORT.md)
 curl -s -X DELETE "https://api.cloudflare.com/client/v4/zones/8cf8e4d7035b85deb6ebfe0026da3392/dns_records/<record-id>" -H "Authorization: Bearer <cftok>"
 # 3. repo stays (source of truth); site files stay in the repo
 ```
 ## File tree (workspace)
 ```
 retire-planner/
  PLAN.md                  ← this file
  site/
    index.html             ← questionnaire + results + vision, loads app.js
    style.css
    app.js                 ← questionnaire flow, feedback panel, charts (SVG), vision card
    engine/
      canada.js            ← Stage 1 constants (value, source, asOf)
      engine.js            ← Stage 2 pure math (UMD)
    vision/                ← Stage 4 generated images (committed; ~13 × ~1-2 MB)
  tests/
    engine.test.js         ← node unit tests
  REPORT.md                ← Stage 10
 ```
 ## Definition of done (checklist for DSH)
 - [ ] `node tests/engine.test.js` all PASS
 - [ ] Site files built; secrets scan clean; repo pushed to gitea.krisforbes.ca/krisf/retire-planner
 - [ ] retireapp container Up on Unraid :8103; origin serves marker
 - [ ] Caddyfile block added; CaddyV2 restarted clean
 - [ ] CF CNAME retire → dyn.krisforbes.ca (grey cloud) created (or BLOCKER documented)
 - [ ] Off-LAN `curl https://retire.krisforbes.ca/` → 200 + marker + title
 - [ ] Vision images generated with z-image-turbo (or documented fallback)
 - [ ] REPORT.md committed + pushed; final line `RETIRE_PLANNER_DONE`
@@ -0,0 +1,47 @@
 # RETIRE PLANNER — Execution Report
 **Run:** DSH local agent, PLAN.md v1 (2026-10-08). Status: **IN PROGRESS**.
 **Target:** https://retire.krisforbes.ca — Canadian retirement calculator, 100% client-side.
 ---
 ## Stage 0 — Preflight ✅ (all pass)
 | Check | Command | Result |
 |---|---|---|
 | Workspace | `pwd` | `/home/ubuntu/projects/retire-planner` ✅ |
 | Node | `node --version` | v26.7.0 ✅ |
 | Git | `git --version` | 2.53.0 ✅ |
 | Gitea | `curl http://192.168.0.123:3000/api/v1/version` | `{"version":"28.0.0"}` ✅ |
 | Unraid SSH | `ssh root@192.168.0.123 'echo ok'` | `ok` ✅ — **note:** plain `ssh` fails on this box with `Bad owner or permissions on /etc/ssh/ssh_config.d/20-systemd-ssh-proxy.conf` (symlink owned by nobody). All ssh calls in this run use `ssh -F /dev/null -o BatchMode=yes` — verified working. |
 | Port 8103 | `ssh … 'ss -tln \| grep :8103'` | empty (grep exit 1) → **free** ✅ |
 | nano-gpt key | `grep -c '^HERMES_CUSTOM_NANO_GPT_API_KEY=' ~/.hermes/.env` | `1` ✅ (value never printed) |
 | Repo exists? | `GET /api/v1/repos/krisf/retire-planner` | **404** → no existing repo ✅ |
 | Clean slate | retireapp container / Caddyfile retire block / `/mnt/better/appdata/retireapp` | all absent ✅ |
 | rsync | local + remote `which rsync` | both present ✅ |
 ## Stage 1 — Engine + live constants ✅
 - `site/engine/engine.js` (UMD, pure fns) + `site/engine/canada.js` generated by `scripts/build_canada.js` from live fetches.
 - Sources fetched (evidence in `scripts/constants-evidence.json`): ESDC CPP/quarterly report (CPP max **$1,507.65**/mo @65, YMPE **$74,600**), canada.ca OAS page (max **$762.50** Oct–Dec 2026, +0.6%/mo deferral to +36%, ×1.10 @75, clawback 0.15 over **$95,323**), canada.ca GIS page (single max **$1,138.90**/mo, thr 23,112; couple 685.56×2, thr 30,528), CRA 2026 federal brackets (14/20.5/26/29/33 @ 58,523/117,045/181,440/258,482), taxtips.ca 2026 provincial tables all 13 (ON top 13.16%, ON surtax 20%/36% modelled from FAQ thresholds, QC abatement 16.5% in engine).
 - RRIF minimums: CRA statutory factor table (Reg. 8301(1)): 71→5.28 … 94→12.18, 95+→20. (Plan's `(115−age)/(120−age)` shorthand is the LRIF formula — used official RRIF table, 71→5.28 matches plan test.)
 - Canada.ca `curl` exit-28 timeouts → fetched via `web_fetch` tool (documented tool substitution).
 - Deviations recorded: constants are **2026** (live) not plan-stamped 2025; fed age amount $8,790 + PIA $2,000 use plan-stamped 2025 values (web_search unavailable at build time); BPA clawbacks simplified (fed 15% over $165k, prov over $173k); MB froze 2026 bracket indexation (BPA 15,780 = 2025).
 ## Stage 2 — Tests ✅
 - `node tests/engine.test.js` → **36 PASS, 0 FAIL** (full output in git log of this run).
 - Plan's 5 gate assertions: cpp 60→0.64× / 70→1.42× ✅ (literal `cppMonthlyAt(65,70)` returns 0 by design — pension not payable before start; asserted at payable age 70 + the 0 case, noted); rrifMinPct(71)=5.28 ✅; ON tax 80k@40 = **$14,747** (plan band 13,000–15,500) ✅; depletion scenario depletionAge=67 ✅; sustainableSpending=35,500 ≤ 100,000 ✅.
 - Extra coverage: GIS band re-derived for 2026 constants ($11,167 at 10k ex-OAS; plan band 8.2–9.5k was 2025-constant arithmetic), OAS deferral/75-boost, RRIF enforcement 71+, couple merge + pension splitting + GIS, QC abatement, monotonic tax, recommendations shape.
 ## Stage 4 — Retirement Vision images ✅ (done early, parallel)
 - 13/13 images generated via nano-gpt `z-image-turbo` (1024×1024 JPEG, 300–620 KB each) → `site/vision/*.png` + `manifest.json` (slugs: hero, muskoka, rockies, maritimes, prairies, quebec, vancouver, toronto, garden, travel, workshop, winter, dock).
 - Cost: API responses carry no `cost`/`remainingBalance` fields → list-price math 13 × $0.0119 = **$0.155** (cap $2; abort conditions unenforceable, documented). Log: `.fetch/vision_log.jsonl`.
 ## Stage 3 — UI ✅
 - `site/index.html` (marker `<!-- retire-planner v1 -->` first line of head; viewport meta; privacy pill “100% client-side — answers never leave your browser”; all text/CSS/JS local, zero CDN), `site/style.css` (mobile-first light theme, sticky panel → mobile bottom-sheet), `site/app.js` (vanilla, no framework).
 - 17-step questionnaire (one question/step: province, age, household + 3 conditional couple steps, income, RRSP, TFSA/non-reg, contributions+match, retirement age, spending, CPP start 60/65/70, OAS 65/70, other income, assumptions, Retirement-Vision interests), progress bar, Back, validation.
 - Persistent “Your plan so far” panel: 4 live chips (savings at retirement, CPP+OAS @67, money-lasts-to, lifetime tax) + context insight (depletion / CPP-deferral / OAS / QC-QPP / TFSA-cliff / couple-splitting).
 - 4 hand-rolled inline-SVG charts: G1 balance area + depletion marker; G2 stacked income (CPP/OAS net/GIS/from savings); G3 cash vs spending lines with first-shortfall callout; G4 four-scenario sustainable-spending bars (computed lazily, cached).
 - Gap cards: gap + Save-more / Work-longer / Trim-spending from `recommendations()`. What-if sliders (spending, savings/mo, retirement age, CPP age) re-render live. Year-by-year table, print button, share-link (base64 hash), localStorage `retire-planner-v1`.
 - Vision card: manifest + interest/province scoring, image with gradient fallback.
 - `tests/ui.smoke.js` — headless DOM shim driving the full flow: **17/17 PASS** (caught & fixed 3 real bugs: missing get/set on assumptions step, SVG path helper signature, stamp rounding).
 - Served smoke: python http.server 8099 → /, css, js, manifest, png all 200.
@@ -0,0 +1,122 @@
 // Build site/engine/canada.js from fetched 2025/2026 sources (PLAN.md Stage 1).
 // Sources: CRA current-year (2026) tax-rates page (fetched 2026 via harness), ESDC quarterly
 // report Apr-Jun 2026, OAS payments page (Oct-Dec 2026 block), OAS recovery-tax page,
 // taxtips.ca province pages (brackets 2026+2025, BPA, surtax FAQ, QC brackets).
 const fs = require("fs");
 const path = require("path");
 const FETCH = path.join(__dirname, "..", ".fetch");
 const OUT = path.join(__dirname, "..", "site", "engine", "canada.js");
 const ASOF_CRA = "2026-06-25"; // CRA current-year (2026) page publish
 const ASOF_ESDC = "2026-04-01"; // quarterly report Apr-Jun 2026 (CPP 2026 figures)
 const ASOF_OAS = "2026-09-29"; // payments page Oct-Dec 2026 block
 const ASOF_TT = "2026-02-22"; // taxtips dateModified (fetched today)
 function num(s) { return Number(String(s).replace(/[$,\s]/g, "")); }
 // ---------- province tables (taxtips) ----------
 function provinceTable(p) {
  const html = fs.readFileSync(path.join(FETCH, "tt_" + p + ".htm"), "utf8");
  const first = html.match(/<table[\s\S]*?<\/table>/i); // province table is first on page
  if (!first) return [];
  const rows = [...first[0].matchAll(/<tr[^>]*>([\s\S]*?)<\/tr>/gi)];
  const out = [];
  for (const tr of rows) {
    const cells = [...tr[1].matchAll(/<td[^>]*>([\s\S]*?)<\/td>/gi)]
      .map(c => c[1].replace(/<[^>]+>/g, " ").replace(/&nbsp;/g, " ").replace(/\s+/g, " ").trim());
    if (cells.length < 2) continue;
    // data row: [income26, rate26, income25, rate25, ...]
    const income26 = cells[0], rate26 = cells[1];
    let m;
    if ((m = income26.match(/^first \$([\d,]+)$/i))) out.push({ up: num(m[1]), rate: rate26 });
    else if ((m = income26.match(/^over \$[\d,]+ up to \$([\d,]+)$/i))) out.push({ up: num(m[1]), rate: rate26 });
    else if ((m = income26.match(/^over \$([\d,]+)$/i))) out.push({ up: null, rate: rate26 });
  }
  return out.map(r => ({ up: r.up, rate: parseFloat(r.rate) / 100 }));
 }
 function faqBPA(p) {
  const t = fs.readFileSync(path.join(FETCH, "tt_" + p + ".htm"), "utf8")
    .replace(/<[^>]+>/g, " ").replace(/&nbsp;/g, " ").replace(/&#\d+;/g, " ")
    .replace(/&amp;/g, "&").replace(/\s+/g, " ");
  const m = t.match(/basic personal amount for 2026 is \$([\d,]+)/i) ||
            t.match(/Basic Personal Amount 2026[^$]{0,200}\$([\d,]+)/i);
  return m ? num(m[1]) : null;
 }
 const fed2026 = [
  { up: 58523, rate: 0.14 }, { up: 117045, rate: 0.205 }, { up: 181440, rate: 0.26 },
  { up: 258482, rate: 0.29 }, { up: null, rate: 0.33 }
 ];
 const provIds = {
  on: "Ontario", bc: "British Columbia", ab: "Alberta", mb: "Manitoba", sk: "Saskatchewan",
  ns: "Nova Scotia", nb: "New Brunswick", nl: "Newfoundland & Labrador", pe: "Prince Edward Island",
  yt: "Yukon", nt: "Northwest Territories", nu: "Nunavut", qc: "Quebec"
 };
 const prov = {};
 for (const [id, name] of Object.entries(provIds)) {
  const brackets = provinceTable(id);
  if (!brackets.length) throw new Error("no brackets parsed for " + id);
  const e = {
    name,
    brackets,
    bpa: faqBPA(id),
    source: "taxtips.ca/taxrates/" + id + ".htm (2026 table)",
    asOf: ASOF_TT
  };
  if (id === "on") e.surtax = [{ from: 6474, rate: 0.20 }, { from: 8102, rate: 0.36 }];
  if (id === "yt") e.bpa = 16452; // YT BPA tracks federal 2026 max (min/max table on page)
  prov[id.toUpperCase()] = e;
 }
 // ---------- canada.ca fetched values (harness web_fetch, Oct 2026) ----------
 const E = "https://www.canada.ca/en/employment-social-development/programs/pensions/pension/statistics/2026-quarterly-april-june.html";
 const O = "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html";
 const R = "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/recovery-tax.html";
 const CRAU = "https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html";
 // CRA statutory RRIF factor table (Reg. 8301(1), unchanged 2016–2026): 71→5.28 … 94→12.18, 95+→20.
 const rrifMin = {};
 { const f = {71:5.28,72:5.40,73:5.53,74:5.67,75:5.82,76:5.98,77:6.15,78:6.33,79:6.53,80:6.74,
    81:6.97,82:7.22,83:7.48,84:7.77,85:8.08,86:8.41,87:8.77,88:9.15,89:9.56,90:10.00,
    91:10.48,92:11.00,93:11.56,94:12.18};
  for (const [a,v] of Object.entries(f)) rrifMin[a] = v;
  rrifMin[95] = 20.0; }
 const doc = {
  generated: "2026-10-08",
  year: "2026 (live-fetched; plan fallbacks were 2025)",
  asOf: "October 2026 (CPP 2026, OAS/GIS Oct-Dec 2026, tax 2026)",
  cppMax65Monthly: { value: 1507.65, source: E + " Table 1, Jan 2026 (incl. CPP enhancement)", asOf: ASOF_ESDC },
  ympe: { value: 74600, source: E + " Table 2 YMPE 2026 (YBE $3,500)", asOf: ASOF_ESDC },
  oasMax6574Monthly: { value: 762.50, source: O + " Oct-Dec 2026", asOf: ASOF_OAS },
  oas75Boost: { value: 1.10, source: O + " (+10% at 75, permanent since Jul 2022)", asOf: ASOF_OAS },
  oasClawbackThreshold: { value: 95323, source: R + " (2026 income year; est. published 2026-09-29)", asOf: ASOF_OAS },
  oasFullRecovery6574: { value: 155320, source: R, asOf: ASOF_OAS },
  gisMaxSingleMonthly: { value: 1138.90, source: O + " Oct-Dec 2026", asOf: ASOF_OAS },
  gisSingleThr: { value: 23112, source: O + " (income ex-OAS threshold, single)", asOf: ASOF_OAS },
  gisMaxCoupleMonthly: { value: 1371.12, source: O + " (685.56 x2, spouse receives full OAS)", asOf: ASOF_OAS },
  gisCoupleThr: { value: 30528, source: O + " (combined income ex-OAS, both on OAS)", asOf: ASOF_OAS },
  fedBrackets: { value: fed2026, source: CRAU, asOf: ASOF_CRA },
  fedBPA: { value: 16452, source: "taxtips FAQ: federal BPA 2026 max $16,452 (min $14,829)", asOf: ASOF_TT },
  fedAgeAmount: { value: 8790, source: "2025 value (plan-stamped; web search unavailable at build time)", asOf: "2025-01-01" },
  fedAgeThr: { value: 44017, source: "2025 value (plan-stamped)", asOf: "2025-01-01" },
  piaAmount: { value: 2000, source: "plan-stamped 2025 simplification (indexed ~$2.2k in 2026)", asOf: "2025-01-01" },
  cppEarlyAdjMonthly: { value: 0.006, source: "plan-stamped / canada.ca CPP (0.6% per month before 65)", asOf: "2025-01-01" },
  cppLateAdjMonthly: { value: 0.007, source: "plan-stamped (0.7% per month after 65)", asOf: "2025-01-01" },
  oasDeferralMonthly: { value: 0.006, source: E + " Table 5 footnote 8 (+0.6%/mo, max 36%)", asOf: ASOF_ESDC },
  rrifMinPct: { value: rrifMin, source: "CRA RRIF minimum factor table (Reg. 8301(1)) — CRA RRIF page 404 at fetch time, table stamped (plan fallback: 71→5.28 ✓)", asOf: "2026" },
  provBrackets: prov
 };
 const body = "/* AUTO-GENERATED by scripts/build_canada.js from live sources — see PLAN.md Stage 1.\n" +
  " * Evidence JSON kept at scripts/constants-evidence.json */\n" +
  "(function (root) { root.RetireCanada = " + JSON.stringify(doc, null, 2) + ";\n" +
  "  if (typeof module !== 'undefined' && module.exports) module.exports = root.RetireCanada;\n" +
  "})(typeof self !== 'undefined' ? self : this);\n";
 fs.writeFileSync(OUT, body);
 fs.writeFileSync(path.join(__dirname, "constants-evidence.json"), JSON.stringify(doc, null, 2));
 // sanity
 console.log("fed brackets:", JSON.stringify(fed2026));
 for (const [k, v] of Object.entries(prov)) console.log(k, "bpa", v.bpa, "n", v.brackets.length, "first", JSON.stringify(v.brackets[0]), "top", JSON.stringify(v.brackets[v.brackets.length - 1]));
@@ -0,0 +1,523 @@
 {
  "generated": "2026-10-08",
  "year": "2026 (live-fetched; plan fallbacks were 2025)",
  "asOf": "October 2026 (CPP 2026, OAS/GIS Oct-Dec 2026, tax 2026)",
  "cppMax65Monthly": {
    "value": 1507.65,
    "source": "https://www.canada.ca/en/employment-social-development/programs/pensions/pension/statistics/2026-quarterly-april-june.html Table 1, Jan 2026 (incl. CPP enhancement)",
    "asOf": "2026-04-01"
  },
  "ympe": {
    "value": 74600,
    "source": "https://www.canada.ca/en/employment-social-development/programs/pensions/pension/statistics/2026-quarterly-april-june.html Table 2 YMPE 2026 (YBE $3,500)",
    "asOf": "2026-04-01"
  },
  "oasMax6574Monthly": {
    "value": 762.5,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html Oct-Dec 2026",
    "asOf": "2026-09-29"
  },
  "oas75Boost": {
    "value": 1.1,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html (+10% at 75, permanent since Jul 2022)",
    "asOf": "2026-09-29"
  },
  "oasClawbackThreshold": {
    "value": 95323,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/recovery-tax.html (2026 income year; est. published 2026-09-29)",
    "asOf": "2026-09-29"
  },
  "oasFullRecovery6574": {
    "value": 155320,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/recovery-tax.html",
    "asOf": "2026-09-29"
  },
  "gisMaxSingleMonthly": {
    "value": 1138.9,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html Oct-Dec 2026",
    "asOf": "2026-09-29"
  },
  "gisSingleThr": {
    "value": 23112,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html (income ex-OAS threshold, single)",
    "asOf": "2026-09-29"
  },
  "gisMaxCoupleMonthly": {
    "value": 1371.12,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html (685.56 x2, spouse receives full OAS)",
    "asOf": "2026-09-29"
  },
  "gisCoupleThr": {
    "value": 30528,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html (combined income ex-OAS, both on OAS)",
    "asOf": "2026-09-29"
  },
  "fedBrackets": {
    "value": [
      {
        "up": 58523,
        "rate": 0.14
      },
      {
        "up": 117045,
        "rate": 0.205
      },
      {
        "up": 181440,
        "rate": 0.26
      },
      {
        "up": 258482,
        "rate": 0.29
      },
      {
        "up": null,
        "rate": 0.33
      }
    ],
    "source": "https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html",
    "asOf": "2026-06-25"
  },
  "fedBPA": {
    "value": 16452,
    "source": "taxtips FAQ: federal BPA 2026 max $16,452 (min $14,829)",
    "asOf": "2026-02-22"
  },
  "fedAgeAmount": {
    "value": 8790,
    "source": "2025 value (plan-stamped; web search unavailable at build time)",
    "asOf": "2025-01-01"
  },
  "fedAgeThr": {
    "value": 44017,
    "source": "2025 value (plan-stamped)",
    "asOf": "2025-01-01"
  },
  "piaAmount": {
    "value": 2000,
    "source": "plan-stamped 2025 simplification (indexed ~$2.2k in 2026)",
    "asOf": "2025-01-01"
  },
  "cppEarlyAdjMonthly": {
    "value": 0.006,
    "source": "plan-stamped / canada.ca CPP (0.6% per month before 65)",
    "asOf": "2025-01-01"
  },
  "cppLateAdjMonthly": {
    "value": 0.007,
    "source": "plan-stamped (0.7% per month after 65)",
    "asOf": "2025-01-01"
  },
  "oasDeferralMonthly": {
    "value": 0.006,
    "source": "https://www.canada.ca/en/employment-social-development/programs/pensions/pension/statistics/2026-quarterly-april-june.html Table 5 footnote 8 (+0.6%/mo, max 36%)",
    "asOf": "2026-04-01"
  },
  "rrifMinPct": {
    "value": {
      "71": 5.28,
      "72": 5.4,
      "73": 5.53,
      "74": 5.67,
      "75": 5.82,
      "76": 5.98,
      "77": 6.15,
      "78": 6.33,
      "79": 6.53,
      "80": 6.74,
      "81": 6.97,
      "82": 7.22,
      "83": 7.48,
      "84": 7.77,
      "85": 8.08,
      "86": 8.41,
      "87": 8.77,
      "88": 9.15,
      "89": 9.56,
      "90": 10,
      "91": 10.48,
      "92": 11,
      "93": 11.56,
      "94": 12.18,
      "95": 20
    },
    "source": "CRA RRIF minimum factor table (Reg. 8301(1)) — CRA RRIF page 404 at fetch time, table stamped (plan fallback: 71→5.28 ✓)",
    "asOf": "2026"
  },
  "provBrackets": {
    "ON": {
      "name": "Ontario",
      "brackets": [
        {
          "up": 53891,
          "rate": 0.050499999999999996
        },
        {
          "up": 107785,
          "rate": 0.0915
        },
        {
          "up": 150000,
          "rate": 0.1116
        },
        {
          "up": 220000,
          "rate": 0.1216
        },
        {
          "up": null,
          "rate": 0.1316
        }
      ],
      "bpa": 12989,
      "source": "taxtips.ca/taxrates/on.htm (2026 table)",
      "asOf": "2026-02-22",
      "surtax": [
        {
          "from": 6474,
          "rate": 0.2
        },
        {
          "from": 8102,
          "rate": 0.36
        }
      ]
    },
    "BC": {
      "name": "British Columbia",
      "brackets": [
        {
          "up": 50363,
          "rate": 0.055999999999999994
        },
        {
          "up": 100728,
          "rate": 0.077
        },
        {
          "up": 115648,
          "rate": 0.105
        },
        {
          "up": 140430,
          "rate": 0.1229
        },
        {
          "up": 190405,
          "rate": 0.147
        },
        {
          "up": 265545,
          "rate": 0.168
        },
        {
          "up": null,
          "rate": 0.205
        }
      ],
      "bpa": 13216,
      "source": "taxtips.ca/taxrates/bc.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "AB": {
      "name": "Alberta",
      "brackets": [
        {
          "up": 61200,
          "rate": 0.08
        },
        {
          "up": 154259,
          "rate": 0.1
        },
        {
          "up": 185111,
          "rate": 0.12
        },
        {
          "up": 246813,
          "rate": 0.13
        },
        {
          "up": 370220,
          "rate": 0.14
        },
        {
          "up": null,
          "rate": 0.15
        }
      ],
      "bpa": 22769,
      "source": "taxtips.ca/taxrates/ab.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "MB": {
      "name": "Manitoba",
      "brackets": [
        {
          "up": 47000,
          "rate": 0.10800000000000001
        },
        {
          "up": 100000,
          "rate": 0.1275
        },
        {
          "up": null,
          "rate": 0.174
        }
      ],
      "bpa": 15780,
      "source": "taxtips.ca/taxrates/mb.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "SK": {
      "name": "Saskatchewan",
      "brackets": [
        {
          "up": 54532,
          "rate": 0.105
        },
        {
          "up": 155805,
          "rate": 0.125
        },
        {
          "up": null,
          "rate": 0.145
        }
      ],
      "bpa": 20381,
      "source": "taxtips.ca/taxrates/sk.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "NS": {
      "name": "Nova Scotia",
      "brackets": [
        {
          "up": 30995,
          "rate": 0.08789999999999999
        },
        {
          "up": 61991,
          "rate": 0.1495
        },
        {
          "up": 97417,
          "rate": 0.16670000000000001
        },
        {
          "up": 157124,
          "rate": 0.175
        },
        {
          "up": null,
          "rate": 0.21
        }
      ],
      "bpa": 11932,
      "source": "taxtips.ca/taxrates/ns.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "NB": {
      "name": "New Brunswick",
      "brackets": [
        {
          "up": 52333,
          "rate": 0.094
        },
        {
          "up": 104666,
          "rate": 0.14
        },
        {
          "up": 193861,
          "rate": 0.16
        },
        {
          "up": null,
          "rate": 0.195
        }
      ],
      "bpa": 13664,
      "source": "taxtips.ca/taxrates/nb.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "NL": {
      "name": "Newfoundland & Labrador",
      "brackets": [
        {
          "up": 44678,
          "rate": 0.087
        },
        {
          "up": 89354,
          "rate": 0.145
        },
        {
          "up": 159528,
          "rate": 0.158
        },
        {
          "up": 223340,
          "rate": 0.17800000000000002
        },
        {
          "up": 285319,
          "rate": 0.198
        },
        {
          "up": 570638,
          "rate": 0.20800000000000002
        },
        {
          "up": 1141275,
          "rate": 0.213
        },
        {
          "up": null,
          "rate": 0.218
        }
      ],
      "bpa": 13094,
      "source": "taxtips.ca/taxrates/nl.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "PE": {
      "name": "Prince Edward Island",
      "brackets": [
        {
          "up": 33928,
          "rate": 0.095
        },
        {
          "up": 65820,
          "rate": 0.13470000000000001
        },
        {
          "up": 106890,
          "rate": 0.166
        },
        {
          "up": 142250,
          "rate": 0.17620000000000002
        },
        {
          "up": 200000,
          "rate": 0.19
        },
        {
          "up": null,
          "rate": 0.2
        }
      ],
      "bpa": 15000,
      "source": "taxtips.ca/taxrates/pe.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "YT": {
      "name": "Yukon",
      "brackets": [
        {
          "up": 58523,
          "rate": 0.064
        },
        {
          "up": 117045,
          "rate": 0.09
        },
        {
          "up": 181440,
          "rate": 0.109
        },
        {
          "up": 258482,
          "rate": 0.1293
        },
        {
          "up": 500000,
          "rate": 0.128
        },
        {
          "up": null,
          "rate": 0.15
        }
      ],
      "bpa": 16452,
      "source": "taxtips.ca/taxrates/yt.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "NT": {
      "name": "Northwest Territories",
      "brackets": [
        {
          "up": 53003,
          "rate": 0.059000000000000004
        },
        {
          "up": 106009,
          "rate": 0.086
        },
        {
          "up": 172346,
          "rate": 0.122
        },
        {
          "up": null,
          "rate": 0.1405
        }
      ],
      "bpa": 18198,
      "source": "taxtips.ca/taxrates/nt.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "NU": {
      "name": "Nunavut",
      "brackets": [
        {
          "up": 55801,
          "rate": 0.04
        },
        {
          "up": 111602,
          "rate": 0.07
        },
        {
          "up": 181439,
          "rate": 0.09
        },
        {
          "up": null,
          "rate": 0.115
        }
      ],
      "bpa": 19659,
      "source": "taxtips.ca/taxrates/nu.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "QC": {
      "name": "Quebec",
      "brackets": [
        {
          "up": 54345,
          "rate": 0.14
        },
        {
          "up": 108680,
          "rate": 0.19
        },
        {
          "up": 132245,
          "rate": 0.24
        },
        {
          "up": null,
          "rate": 0.2575
        }
      ],
      "bpa": 18952,
      "source": "taxtips.ca/taxrates/qc.htm (2026 table)",
      "asOf": "2026-02-22"
    }
  }
 }
@@ -0,0 +1,53 @@
 // Generate one vision image via nano-gpt Image API. Usage: KEY env var set, node gen1.js <slug> "<prompt>"
 // Prints one JSON line: {slug, ok, cost, bal, bytes, type, err}
 const [slug, prompt] = process.argv.slice(2);
 const KEY = process.env.RETIRE_NANO_KEY;
 async function main() {
  const out = { slug, ok: false };
  try {
    const res = await fetch("https://nano-gpt.com/api/v1/images/generations", {
      method: "POST",
      headers: { "Authorization": "Bearer " + KEY, "Content-Type": "application/json" },
      body: JSON.stringify({ model: "z-image-turbo", prompt, resolution: "1024*1024", n: 1 }),
      signal: AbortSignal.timeout(180000),
    });
    const j = await res.json().catch(() => ({}));
    out.cost = j.cost ?? (j.data && j.data[0] && j.data[0].cost) ?? null;
    out.bal = j.remainingBalance ?? null;
    if (!res.ok) { out.err = "http " + res.status + " " + JSON.stringify(j).slice(0, 300); return out; }
    const d = j.data && j.data[0];
    if (!d) { out.err = "no data: " + JSON.stringify(j).slice(0, 300); return out; }
    // dump raw response shape (strip image payloads) for evidence
    try {
      const fs0 = require("fs");
      const copy = JSON.parse(JSON.stringify(j));
      if (copy.data) copy.data = copy.data.map(x => ({ ...x, b64_json: x.b64_json ? "<" + x.b64_json.length + "b>" : undefined, url: x.url ? x.url.slice(0, 80) : undefined }));
      fs0.writeFileSync(".fetch/resp_" + slug + ".json", JSON.stringify(copy).slice(0, 4000));
    } catch (e) {}
    let buf;
    if (d.b64_json) {
      buf = Buffer.from(d.b64_json, "base64");
    } else if (d.url) {
      const img = await fetch(d.url, { signal: AbortSignal.timeout(120000) });
      if (!img.ok) { out.err = "img fetch http " + img.status; return out; }
      buf = Buffer.from(await img.arrayBuffer());
    } else { out.err = "no image in response"; return out; }
    // magic bytes
    let type = "bin";
    if (buf.length > 12 && buf[0] === 0x89 && buf[1] === 0x50) type = "png";
    else if (buf.slice(0, 4).toString("latin1") === "RIFF" && buf.slice(8, 12).toString("latin1") === "WEBP") type = "webp";
    else if (buf[0] === 0xff && buf[1] === 0xd8) type = "jpeg";
    out.type = type;
    out.bytes = buf.length;
    const fs = require("fs");
    fs.mkdirSync("site/vision", { recursive: true });
    // browsers sniff magic bytes; keep .png extension for the UI contract, save true extension alongside
    fs.writeFileSync("site/vision/" + slug + "." + (type === "png" ? "png" : type), buf);
    if (type !== "png") fs.copyFileSync("site/vision/" + slug + "." + type, "site/vision/" + slug + ".png");
    out.ok = true;
  } catch (e) {
    out.err = String(e).slice(0, 300);
  }
  return out;
 }
 main().then(o => console.log(JSON.stringify(o)));
@@ -0,0 +1,43 @@
 #!/usr/bin/env bash
 # Stage 4 driver: generate 13 vision images with z-image-turbo ($0.0119/img).
 # Aborts if remainingBalance < $1.00 or cumulative cost > $2.00.
 set -u
 cd "$(dirname "$0")/.."
 mkdir -p site/vision .fetch
 export RETIRE_NANO_KEY="$(grep -m1 '^HERMES_CUSTOM_NANO_GPT_API_KEY=' ~/.hermes/.env | cut -d= -f2-)"
 [ -n "$RETIRE_NANO_KEY" ] || { echo "NO KEY"; exit 3; }
 TOTAL=0
 LOG=.fetch/vision_log.jsonl
 : > "$LOG"
 while IFS=$'\t' read -r slug prompt; do
  [ -n "$slug" ] || continue
  if [ -s "site/vision/$slug.png" ] && [ "${FORCE:-0}" != 1 ]; then
    echo "SKIP $slug (exists)"; continue
  fi
  line=$(node scripts/gen1.js "$slug" "$prompt" 2>&1 | tail -1)
  echo "RES $line"
  echo "$line" >> "$LOG"
  read -r ok cost bal <<<"$(node -e "const o=JSON.parse(process.argv[1]);console.log(o.ok?1:0,(o.cost??0),(o.bal??-1))" "$line")"
  if [ "$ok" != "1" ]; then
    echo "GEN FAIL $slug — continuing"
    sleep 3
    continue
  fi
  TOTAL=$(node -e "console.log((parseFloat(process.argv[1])+parseFloat(process.argv[2])).toFixed(4))" "$TOTAL" "$cost")
  echo "OK $slug cost=$cost cumulative=$TOTAL bal=$bal"
  awk -v a="$TOTAL" -v b="2.00" 'BEGIN{exit (a+0 > b+0)?0:1}' && { echo "ABORT: cumulative cost $TOTAL > \$2"; break; }
  awk -v b="$bal" 'BEGIN{exit (b+0 >= 0 && b+0 < 1.0)?0:1}' && { echo "ABORT: remainingBalance $bal < \$1"; break; }
  sleep 1
 done < scripts/prompts.tsv
 echo "DONE cumulative=$TOTAL"
 ls -la site/vision/
 node -e '
 const fs=require("fs");
 const m={};
 for (const f of fs.readdirSync("site/vision")) {
  const mt = f.match(/^(.+)\.(png|webp|jpeg)$/); if (!mt) continue;
  m[mt[1]] = f;
 }
 fs.writeFileSync("site/vision/manifest.json", JSON.stringify(m, null, 2));
 console.log("manifest:", JSON.stringify(m));
 '
@@ -0,0 +1,13 @@
 hero	A calm Canadian lakeside at dawn, mist over still water, pine forest, soft pastel sky, wide serene landscape, photorealistic
 muskoka	A cozy wooden cottage on a pine-framed lake at golden hour, Muskoka Ontario, loon, warm window light, photorealistic
 rockies	Turquoise glacial lake with snow-capped Rocky Mountains at sunrise, Banff, photorealistic
 maritimes	White lighthouse on rugged red sandstone cliffs, Atlantic waves, Peggy's Cove style, soft morning light, photorealistic
 prairies	Endless golden wheat field under a huge prairie sky with a dramatic summer sunset, Saskatchewan, photorealistic
 quebec	Colourful historic houses and cobblestone streets of Quebec City old town in autumn, photorealistic
 vancouver	Vancouver skyline with North Shore mountains and Stanley Park seawall at dusk, photorealistic
 toronto	Toronto skyline and Lake Ontario waterfront at blue hour, photorealistic
 garden	A sunny backyard vegetable and flower garden with a small garden shed, Canada, photorealistic
 travel	Aerial view of a seaplane over a northern Canadian lake surrounded by forest, adventure travel, photorealistic
 workshop	A bright woodworking workshop with hand tools on a pegboard wall, warm light, hobby, photorealistic
 winter	A snow-covered log cabin with warm glowing windows in a quiet northern forest, winter evening, photorealistic
 dock	A wooden dock at sunset with two empty chairs overlooking a quiet lake, peaceful, photorealistic
@@ -0,0 +1,611 @@
 /* Retire Planner UI — vanilla, no build, no network except same-origin vision manifest.
   All computation via window.RetireEngine. Answers persist in localStorage + URL hash. */
 'use strict';
 (function () {
  var E = window.RetireEngine, C = window.RetireCanada;
  var LS = 'retire-planner-v1';
  var $ = function (s) { return document.querySelector(s); };
  var PROVINCES = [['ON', 'Ontario'], ['BC', 'British Columbia'], ['AB', 'Alberta'], ['SK', 'Saskatchewan'],
    ['MB', 'Manitoba'], ['QC', 'Quebec'], ['NS', 'Nova Scotia'], ['NB', 'New Brunswick'],
    ['NL', 'Newfoundland & Labrador'], ['PE', 'PEI'], ['YT', 'Yukon'], ['NT', 'Northwest Territories'], ['NU', 'Nunavut']];
  var INTERESTS = [
    ['rockies', '🏔 Mountains'], ['maritimes', '🌊 Ocean'], ['toronto', '🏙 Big city'],
    ['dock', '🛶 Lake / dock'], ['muskoka', '🌲 Cottage country'], ['prairies', '🌾 Open sky'],
    ['winter', '⛷ Snow / ski'], ['workshop', '🪵 Workshop'], ['garden', '🌺 Garden'],
    ['travel', '✈️ Travel'], ['quebec', '🇫🇷 Québec']
  ];
  var PROV_SLUGS = { ON: ['toronto', 'muskoka', 'garden'], QC: ['quebec'], BC: ['vancouver'], AB: ['rockies', 'prairies'], MB: ['prairies'], SK: ['prairies'], NB: ['maritimes', 'dock'], NS: ['maritimes', 'dock'], PE: ['maritimes'], NL: ['maritimes'], YT: ['winter', 'rockies'], NT: ['winter'], NU: ['winter'] };
  var CAPTIONS = {
    hero: 'The good life — paid for by the plan on this page.', muskoka: 'Cottage country, mortgage-free.',
    rockies: 'Lake Louise at 68, on your own schedule.', maritimes: 'Lobster season, every season.',
    prairies: 'Wide skies and a paid-off acreage.', quebec: 'Terrasses, fêtes et liberté financière.',
    vancouver: 'Ocean sunsets from a paid-for deck.', toronto: 'City life, funded — not scraped.',
    garden: 'Mornings that start with tomatoes.', travel: 'Long-haul flights, fully deductible… just kidding, paid in cash.',
    workshop: 'A shop full of projects and zero alarms.', winter: 'Fresh tracks on a Tuesday.', dock: 'First coffee on your own dock.'
  };
  var GRADS = ['linear-gradient(135deg,#1e3a8a,#0ea5e9)', 'linear-gradient(135deg,#7c2d12,#f59e0b)',
    'linear-gradient(135deg,#14532d,#84cc16)', 'linear-gradient(135deg,#4c1d95,#ec4899)',
    'linear-gradient(135deg,#0f172a,#64748b)'];
  /* ---------- state ---------- */
  function defaults() {
    return {
      province: null, age: 45, household: 'single',
      partner: { age: 45, income: 0, rrsp: 0, tfsa: 0, nonreg: 0, monthlyContribution: 0 },
      income: 60000, rrsp: 100000, tfsa: 30000, nonreg: 20000,
      monthlyContribution: 500, employerMatchMonthly: 0,
      retireAge: 65, spendingAnnual: 50000,
      cppStartAge: 65, oasStartAge: 65,
      pensionAnnual: 0, rentalAnnual: 0, otherAnnual: 0,
      realReturnPre: 3.5, realReturnPost: 2.5, inflation: 2.0, lifeExp: 95,
      interests: []
    };
  }
  var state = { screen: 'intro', step: 0, a: defaults(), wi: {} };
  (function load() {
    var raw = null;
    var m = location.hash.match(/[#&]p=([^&]+)/);
    if (m) { try { raw = decodeURIComponent(escape(atob(m[1]))); } catch (e) { raw = null; } }
    if (!raw) { try { raw = localStorage.getItem(LS); } catch (e) { raw = null; } }
    if (raw) { try { var o = JSON.parse(raw); Object.assign(state.a, o.a || o); state.step = o.step | 0; if (o.screen) state.screen = o.screen; else if (m) state.screen = 'results'; } catch (e) { /* fresh */ } }
  })();
  function save() {
    var t = { a: state.a, step: state.step, screen: state.screen };
    try { localStorage.setItem(LS, JSON.stringify(t)); } catch (e) { }
  }
  function encState() { return btoa(unescape(encodeURIComponent(JSON.stringify({ a: state.a, step: 0 })))); }
  function inputs() {
    var a = state.a, w = state.wi;
    var p = {
      province: a.province || 'ON', age: +a.age, household: a.household,
      partner: a.household === 'couple' ? {
        age: +a.partner.age, income: +a.partner.income || 0, rrsp: +a.partner.rrsp || 0,
        tfsa: +a.partner.tfsa || 0, nonreg: +a.partner.nonreg || 0,
        monthlyContribution: +a.partner.monthlyContribution || 0
      } : null,
      income: +a.income || 0, rrsp: +a.rrsp || 0, tfsa: +a.tfsa || 0, nonreg: +a.nonreg || 0,
      monthlyContribution: +(w.ctrb != null ? w.ctrb : a.monthlyContribution) || 0,
      employerMatchMonthly: +a.employerMatchMonthly || 0,
      retireAge: +(w.ret != null ? w.ret : a.retireAge),
      spendingAnnual: +(w.spend != null ? w.spend : a.spendingAnnual) || 0,
      cppStartAge: +(w.cpp != null ? w.cpp : a.cppStartAge), oasStartAge: +a.oasStartAge,
      pensionAnnual: +a.pensionAnnual || 0, rentalAnnual: +a.rentalAnnual || 0, otherAnnual: +a.otherAnnual || 0,
      realReturnPre: (+a.realReturnPre) / 100, realReturnPost: (+a.realReturnPost) / 100,
      inflation: (+a.inflation) / 100, lifeExp: +a.lifeExp
    };
    return p;
  }
  /* ---------- formatting ---------- */
  function money(v) { v = Math.round(v); return (v < 0 ? '−$' : '$') + Math.abs(v).toLocaleString('en-CA'); }
  function k(v) {
    var s = v < 0 ? '−' : ''; v = Math.abs(v);
    if (v >= 1e6) return s + '$' + (v / 1e6).toFixed(v >= 1e7 ? 1 : 2) + 'M';
    if (v >= 1000) return s + '$' + Math.round(v / 1000) + 'k';
    return s + '$' + Math.round(v);
  }
  function pct(v) { return (v * 100).toFixed(0) + '%'; }
  /* ---------- steps ---------- */
  function couple() { return state.a.household === 'couple'; }
  var STEPS = [
    {
      key: 'province', title: 'Where do you live?', hint: 'Taxes, and your retirement view.',
      type: 'grid', opts: PROVINCES, get: function () { return state.a.province; },
      set: function (v) { state.a.province = v; }
    },
    {
      key: 'age', title: 'Your age', hint: 'Years.', type: 'number', min: 18, max: 74,
      get: function () { return state.a.age; }, set: function (v) { state.a.age = +v; }
    },
    {
      key: 'household', title: 'Household', hint: 'Couple means joint taxes, pension splitting and household GIS.',
      type: 'opts', opts: [['single', 'Single'], ['couple', 'Couple']],
      get: function () { return state.a.household; }, set: function (v) { state.a.household = v; }
    },
    {
      key: 'p_age', show: couple, title: 'Partner’s age', type: 'number', min: 18, max: 90,
      get: function () { return state.a.partner.age; }, set: function (v) { state.a.partner.age = +v; }
    },
    {
      key: 'p_income', show: couple, title: 'Partner’s annual employment income', hint: '$/yr before tax. 0 if not working.',
      type: 'number', min: 0, max: 1e6, money: true,
      get: function () { return state.a.partner.income; }, set: function (v) { state.a.partner.income = +v; }
    },
    {
      key: 'p_savings', show: couple, title: 'Partner’s savings', hint: 'Current balances, today’s dollars.',
      type: 'fields', fields: [
        { label: 'RRSP / RRIF', key: 'rrsp' }, { label: 'TFSA', key: 'tfsa' }, { label: 'Non-registered', key: 'nonreg' }
      ],
      get: function (f) { return state.a.partner[f]; },
      set: function (f, v) { state.a.partner[f] = +v; }
    },
    {
      key: 'income', title: 'Your annual employment income', hint: '$/yr. Used to estimate your CPP history.',
      type: 'number', min: 0, max: 1e6, money: true,
      get: function () { return state.a.income; }, set: function (v) { state.a.income = +v; }
    },
    {
      key: 'rrsp', title: 'RRSP / RRIF balance', type: 'number', min: 0, max: 2e7, money: true,
      get: function () { return state.a.rrsp; }, set: function (v) { state.a.rrsp = +v; }
    },
    {
      key: 'savings2', title: 'TFSA and non-registered savings', type: 'fields', fields: [
        { label: 'TFSA', key: 'tfsa' }, { label: 'Non-registered (cash, stocks, mutual funds)', key: 'nonreg' }
      ],
      get: function (f) { return state.a[f]; }, set: function (f, v) { state.a[f] = +v; }
    },
    {
      key: 'contrib', title: 'Monthly savings into RRSP', hint: 'Your contribution + any employer match.', type: 'fields', fields: [
        { label: 'You contribute $/mo', key: 'monthlyContribution' }, { label: 'Employer match $/mo', key: 'employerMatchMonthly' }
      ],
      get: function (f) { return state.a[f]; }, set: function (f, v) { state.a[f] = +v; }
    },
    {
      key: 'retire', title: 'Retirement age', hint: 'When you stop earning employment income.', type: 'slider',
      min: 55, max: 72, step: 1, fmt: function (v) { return v + ' years'; },
      get: function () { return state.a.retireAge; }, set: function (v) { state.a.retireAge = +v; }
    },
    {
      key: 'spend', title: 'Planned annual spending in retirement', hint: 'Today’s dollars, after tax. Be honest — this is the number that decides everything.',
      type: 'number', min: 10000, max: 5e5, money: true,
      get: function () { return state.a.spendingAnnual; }, set: function (v) { state.a.spendingAnnual = +v; }
    },
    {
      key: 'cppstart', title: 'Start CPP at…', hint: function () {
        var m = { 60: '−36% for life', 65: 'Full rate', 70: '+42% for life' };
        return 'Age ' + state.a.cppStartAge + ': ' + (m[state.a.cppStartAge] || 'custom adjustment');
      },
      type: 'opts', opts: [[60, '60', '−36% for life'], [65, '65', 'full rate'], [70, '70', '+42% for life']],
      get: function () { return state.a.cppStartAge; }, set: function (v) { state.a.cppStartAge = +v; }
    },
    {
      key: 'oasstart', title: 'Start OAS at…', hint: 'Deferring to 70 is +36% for life, plus a bigger GIS window.',
      type: 'opts', opts: [[65, '65', 'on eligibility'], [70, '70', '+36% for life']],
      get: function () { return state.a.oasStartAge; }, set: function (v) { state.a.oasStartAge = +v; }
    },
    {
      key: 'extra', title: 'Other income', hint: 'DB pension, rental, royalties… leave 0 if none.', type: 'fields', fields: [
        { label: 'Pension $/yr', key: 'pensionAnnual' }, { label: 'Rental $/yr', key: 'rentalAnnual' }, { label: 'Other $/yr', key: 'otherAnnual' }
      ],
      get: function (f) { return state.a[f]; }, set: function (f, v) { state.a[f] = +v; }
    },
    {
      key: 'assumptions', title: 'Assumptions', hint: 'Real (above-inflation) returns. Defaults match a balanced portfolio.', type: 'sliders', sliders: [
        { label: 'Return before retirement', key: 'realReturnPre', min: 0, max: 8, step: 0.25, fmt: pct2 },
        { label: 'Return in retirement', key: 'realReturnPost', min: 0, max: 6, step: 0.25, fmt: pct2 },
        { label: 'Inflation', key: 'inflation', min: 0, max: 5, step: 0.25, fmt: pct2 },
        { label: 'Plan to age', key: 'lifeExp', min: 80, max: 100, step: 1, fmt: function (v) { return v + ' yrs'; } }
      ],
      get: function (f) { return state.a[f]; }, set: function (f, v) { state.a[f] = +v; }
    },
    {
      key: 'vision', title: 'What are you retiring toward?', hint: 'Pick a few. We’ll paint your plan with it.',
      type: 'chips', opts: INTERESTS,
      get: function () { return state.a.interests; },
      set: function (v) { state.a.interests = v; }
    }
  ];
  function pct2(v) { return v.toFixed(2).replace(/0$/, '') + '%'; }
  function visibleSteps() { return STEPS.filter(function (s) { return !s.show || s.show(); }); }
  /* ---------- quiz rendering ---------- */
  var scrQuiz = $('#scr-quiz'), stepBody = $('#step-body'), btnNext = $('#btn-next');
  function showScreen(name) {
    state.screen = name;
    ['intro', 'quiz', 'results'].forEach(function (s) { $('#scr-' + s).hidden = s !== name; });
    $('#btn-restart').hidden = name === 'intro';
    window.scrollTo(0, 0);
  }
  function renderStep() {
    var vs = visibleSteps();
    if (state.step >= vs.length) state.step = vs.length - 1;
    var s = vs[state.step];
    $('#prog-bar').style.width = Math.round((state.step / vs.length) * 100) + '%';
    $('#step-count').textContent = (state.step + 1) + ' / ' + vs.length;
    $('#btn-back').style.visibility = state.step === 0 ? 'hidden' : 'visible';
    btnNext.textContent = state.step === vs.length - 1 ? 'See my plan →' : 'Next →';
    var hintTxt = typeof s.hint === 'function' ? s.hint() : (s.hint || '');
    var h = '<h2>' + s.title + '</h2>' + (hintTxt ? '<p class="hint">' + hintTxt + '</p>' : '');
    if (s.type === 'grid') {
      h += '<div class="opts">' + s.opts.map(function (o) {
        return '<button class="opt' + (s.get() === o[0] ? ' sel' : '') + '" data-v="' + o[0] + '">' + o[1] + '</button>';
      }).join('') + '</div>';
    } else if (s.type === 'opts') {
      h += '<div class="opts">' + s.opts.map(function (o) {
        return '<button class="opt' + (String(s.get()) === String(o[0]) ? ' sel' : '') + '" data-v="' + o[0] + '">' + o[1] + (o[2] ? '<small>' + o[2] + '</small>' : '') + '</button>';
      }).join('') + '</div>';
    } else if (s.type === 'chips') {
      var cur = s.get() || [];
      h += '<div class="chips-pick">' + s.opts.map(function (o) {
        return '<button class="opt' + (cur.indexOf(o[0]) >= 0 ? ' sel' : '') + '" data-v="' + o[0] + '">' + o[1] + '</button>';
      }).join('') + '</div>';
    } else if (s.type === 'number') {
      h += '<div class="fld"><input type="number" id="f1" value="' + (s.get() == null ? '' : s.get()) + '" min="' + (s.min != null ? s.min : 0) + '" max="' + (s.max != null ? s.max : 1e9) + '" inputmode="numeric" ' + (s.money ? 'placeholder="0"' : 'placeholder="' + s.max + '"') + '></div>';
    } else if (s.type === 'fields') {
      h += s.fields.map(function (f, i) {
        return '<div class="fld"><label>' + f.label + ' <span class="unit">($)</span></label><input type="number" id="f' + (i + 1) + '" data-k="' + f.key + '" value="' + (s.get(f.key) == null ? '' : s.get(f.key)) + '" min="0" inputmode="numeric" placeholder="0"></div>';
      }).join('');
    } else if (s.type === 'slider') {
      h += '<div class="range-row"><span class="range-val" id="sv">' + s.fmt(s.get()) + '</span></div><input type="range" id="f1" min="' + s.min + '" max="' + s.max + '" step="' + s.step + '" value="' + s.get() + '">';
    } else if (s.type === 'sliders') {
      h = s.sliders.map(function (sl) {
        return '<div class="fld"><label>' + sl.label + ' <span class="unit" style="float:right;font-weight:700;color:var(--blue)">' + sl.fmt(+s.get(sl.key)) + '</span></label><input type="range" data-k="' + sl.key + '" min="' + sl.min + '" max="' + sl.max + '" step="' + sl.step + '" value="' + s.get(sl.key) + '"></div>';
      }).join('');
    }
    stepBody.innerHTML = h;
    stepBody.querySelectorAll('.opt').forEach(function (b) {
      b.onclick = function () {
        if (s.type === 'chips') {
          var arr = (s.get() || []).slice();
          var i = arr.indexOf(b.dataset.v);
          if (i >= 0) arr.splice(i, 1); else arr.push(b.dataset.v);
          s.set(arr); b.classList.toggle('sel');
        } else {
          s.set(b.dataset.v);
          stepBody.querySelectorAll('.opt').forEach(function (x) { x.classList.remove('sel'); });
          b.classList.add('sel');
        }
        save(); liveUpdate(); renderStep();
      };
    });
    var f1 = $('#f1');
    if (f1) {
      f1.oninput = function () { s.set(f1.value); save(); liveUpdate(); if (s.type === 'slider') $('#sv').textContent = s.fmt(+f1.value); };
      if (s.type === 'slider') f1.oninput();
    }
    stepBody.querySelectorAll('input[type=number][data-k]').forEach(function (inp) {
      inp.oninput = function () { s.set(inp.dataset.k, inp.value); save(); liveUpdate(); };
    });
    stepBody.querySelectorAll('input[type=range][data-k]').forEach(function (inp) {
      inp.oninput = function () {
        s.set(inp.dataset.k, inp.value); save(); liveUpdate();
        var sl = s.sliders.filter(function (x) { return x.key === inp.dataset.k; })[0];
        inp.previousElementSibling.lastElementChild.textContent = sl.fmt(+inp.value);
      };
    });
    validate(s);
  }
  function validate(s) {
    var ok = true, msg = '';
    if (s.type === 'number') {
      var v = +s.get();
      if (s.get() === null || s.get() === '' || isNaN(v) || v < s.min || v > s.max) {
        ok = false; msg = 'Enter a number between ' + s.min + ' and ' + s.max + '.';
      }
    } else if (s.type === 'grid' && !s.get()) { ok = false; msg = 'Pick a province to continue.'; }
    btnNext.disabled = !ok;
    var old = stepBody.querySelector('.err'); if (old) old.remove();
    if (!ok && msg) { var d = document.createElement('div'); d.className = 'err'; d.textContent = msg; stepBody.appendChild(d); }
  }
  /* ---------- live panel ---------- */
  var liveTimer = null;
  function liveUpdate() { clearTimeout(liveTimer); liveTimer = setTimeout(updatePanel, 120); }
  function updatePanel() {
    var p = inputs(), proj;
    try { proj = E.project(p); } catch (e) { return; }
    var draw = proj.years.filter(function (r) { return r.phase === 'draw'; });
    var atRet = proj.years.filter(function (r) { return r.age === Math.floor(p.retireAge); })[0] || draw[0];
    var g67 = proj.years.filter(function (r) { return r.age === 67; })[0] || { cpp: 0, oasGross: 0 };
    var chips = [
      ['Savings at retirement', money(atRet ? atRet.totalBal : 0), ''],
      ['CPP + OAS at 67', money(g67.cpp + g67.oasGross) + '/yr', ''],
      ['Money lasts to', proj.depletionAge ? 'runs out ~' + proj.depletionAge : (p.lifeExp + '+'), proj.depletionAge ? 'bad' : 'good'],
      ['Lifetime tax', k(proj.totalTax + proj.totalClawback), '']
    ];
    $('#panel-chips').innerHTML = chips.map(function (c) {
      return '<div class="chip"><div class="k">' + c[0] + '</div><div class="v ' + c[2] + '">' + c[1] + '</div></div>';
    }).join('');
    var ins = '';
    if (proj.depletionAge) ins = '⚠️ On this path you run out of money around age <b>' + proj.depletionAge + '</b>. Keep answering — the plan ends with three concrete ways to close the gap.';
    else if (p.cppStartAge < 65) ins = 'CPP at ' + p.cppStartAge + ' is permanently reduced — deferring to 70 is a +42% inflation-proof raise. Move the slider later and watch the panel.';
    else if (p.oasStartAge >= 70) ins = 'OAS at ' + p.oasStartAge + ': +36% for life, plus a bigger GIS window in between. Good trade for most people.';
    else if (p.province === 'QC') ins = 'ℹ️ Québec: QPP is <b>not</b> modelled — add your QPP estimate as “Pension $/yr”. QPP typically replaces ~35% of income.';
    else if (p.tfsa < 15000 && p.rrsp > 200000) ins = 'You’ll hit the RRIF-minimum tax cliff at 71. TFSA room now softens it later — check the gap cards.';
    else if (p.household === 'couple') ins = 'With pension splitting + household GIS, your joint taxes drop — the panel shows the joint total.';
    else ins = 'Live numbers — change any answer and this panel moves.';
    $('#panel-insight').innerHTML = ins;
  }
  /* ---------- charts (hand-rolled inline SVG) ---------- */
  var W = 640, H = 270, L = 52, R = 12, T = 14, B = 30;
  function sc(ages, a0, a1) { return function (a) { return L + (a - a0) / (a1 - a0) * (W - L - R); }; }
  function sy(ymax) { return function (v) { return H - B - Math.max(0, Math.min(1, v / ymax)) * (H - T - B); }; }
  function pathX(ages, ys, X, Y) {
    return ys.map(function (v, i) { return (i ? 'L' : 'M') + X(ages[i]).toFixed(1) + ' ' + Y(v).toFixed(1); }).join('');
  }
  function areaPath(ages, vals, X, Y) {
    var p = 'M' + X(ages[0]).toFixed(1) + ' ' + Y(0).toFixed(1);
    ages.forEach(function (a, i) { p += 'L' + X(a).toFixed(1) + ' ' + Y(vals[i]).toFixed(1); });
    return p + 'L' + X(ages[ages.length - 1]).toFixed(1) + ' ' + Y(0).toFixed(1) + 'Z';
  }
  function stackPath(ages, lower, upper, X, Y) {
    var p = 'M' + X(ages[0]).toFixed(1) + ' ' + Y(upper[0]).toFixed(1);
    for (var i = 1; i < ages.length; i++) p += 'L' + X(ages[i]).toFixed(1) + ' ' + Y(upper[i]).toFixed(1);
    for (i = ages.length - 1; i >= 0; i--) p += 'L' + X(ages[i]).toFixed(1) + ' ' + Y(lower[i]).toFixed(1);
    return p + 'Z';
  }
  function axes(ages, ymax, X, Y, opts) {
    var a0 = ages[0], a1 = ages[ages.length - 1], s = '';
    var yt = 4, i;
    for (i = 0; i <= yt; i++) {
      var v = ymax * i / yt, y = Y(v);
      s += '<line x1="' + L + '" x2="' + (W - R) + '" y1="' + y.toFixed(1) + '" y2="' + y.toFixed(1) + '" stroke="#eef2f8"/>' +
        '<text x="' + (L - 6) + '" y="' + (y + 4).toFixed(1) + '" text-anchor="end" font-size="11" fill="#8a97ad">' + (opts && opts.money === false ? v : k(v)) + '</text>';
    }
    var step = a1 - a0 > 34 ? 10 : 5;
    for (var a = Math.ceil(a0 / step) * step; a <= a1; a += step) {
      var x = X(a);
      s += '<text x="' + x.toFixed(1) + '" y="' + (H - B + 16) + '" text-anchor="middle" font-size="11" fill="#8a97ad">' + a + '</text>';
    }
    s += '<text x="' + (W / 2) + '" y="' + (H - 4) + '" text-anchor="middle" font-size="11" fill="#8a97ad">age</text>';
    return s;
  }
  function svgWrap(inner) {
    return '<svg viewBox="0 0 ' + W + ' ' + H + '" role="img" xmlns="http://www.w3.org/2000/svg">' + inner + '</svg>';
  }
  function legend(items) {
    return '<div class="legend">' + items.map(function (t) {
      return '<span><i style="background:' + t[1] + '"></i>' + t[0] + '</span>';
    }).join('') + '</div>';
  }
  var COL = { bal: '#2563eb', cpp: '#2563eb', oas: '#dc2626', gis: '#f59e0b', wdr: '#10b981', cash: '#0ea5e9', need: '#dc2626' };
  function g1_balance(proj) {
    var yrs = proj.years, ages = yrs.map(function (r) { return r.age; });
    var vals = yrs.map(function (r) { return r.totalBal; });
    var a0 = ages[0], a1 = ages[ages.length - 1];
    var X = sc(ages, a0, a1), ymax = Math.max(10000, Math.max.apply(null, vals) * 1.08), Y = sy(ymax);
    var inner = axes(ages, ymax, X, Y);
    inner += '<path d="' + areaPath(ages, vals, X, Y) + '" fill="#2563eb22"/>' +
      '<path d="' + pathX(ages, vals, X, Y) + '" fill="none" stroke="' + COL.bal + '" stroke-width="2.5"/>';
    if (proj.depletionAge) {
      var x = X(proj.depletionAge);
      inner += '<line x1="' + x + '" x2="' + x + '" y1="' + T + '" y2="' + (H - B) + '" stroke="#dc2626" stroke-dasharray="4 4" stroke-width="2"/>' +
        '<text x="' + (x + 5) + '" y="' + (T + 12) + '" font-size="12" fill="#dc2626" font-weight="700">runs out ≈ ' + proj.depletionAge + '</text>';
    }
    var ret = Math.max(a0, inputs().retireAge);
    inner += '<line x1="' + X(ret) + '" x2="' + X(ret) + '" y1="' + T + '" y2="' + (H - B) + '" stroke="#94a3b8" stroke-dasharray="2 4"/>' +
      '<text x="' + (X(ret) + 4) + '" y="' + (H - B - 6) + '" font-size="10.5" fill="#94a3b8">retire</text>';
    $('#g1').innerHTML = svgWrap(inner) + legend([['Total savings (today’s $)', COL.bal]]);
  }
  function g2_income(proj, p) {
    var yrs = proj.years.filter(function (r) { return r.phase === 'draw'; });
    if (!yrs.length) { $('#g2').innerHTML = '<p class="cap">Retirement after your plan horizon.</p>'; return; }
    var ages = yrs.map(function (r) { return r.age; });
    var X = sc(ages, ages[0], ages[ages.length - 1]);
    var series = [
      ['CPP', COL.cpp, yrs.map(function (r) { return r.cpp; })],
      ['OAS (net)', COL.oas, yrs.map(function (r) { return Math.max(0, r.oasGross - r.oasClawback); })],
      ['GIS', COL.gis, yrs.map(function (r) { return r.gis; })],
      ['From savings', COL.wdr, yrs.map(function (r) { return r.rrifWithdrawal + r.nonregW + r.tfsaW; })]
    ];
    var n = ages.length, tot = [], i, acc;
    for (i = 0; i < n; i++) tot[i] = series.reduce(function (s, se) { return s + se[2][i]; }, 0);
    var ymax = Math.max(1000, Math.max.apply(null, tot) * 1.08), Y = sy(ymax);
    var inner = axes(ages, ymax, X, Y);
    var lower = new Array(n).fill(0);
    series.forEach(function (se) {
      var upper = se[2].map(function (v, j) { return lower[j] + v; });
      inner += '<path d="' + stackPath(ages, lower, upper, X, Y) + '" fill="' + se[1] + '33" stroke="' + se[1] + '" stroke-width="1"/>';
      lower = upper;
    });
    $('#g2').innerHTML = svgWrap(inner) + legend(series.map(function (s) { return [s[0], s[1]]; }));
  }
  function g3_cash(proj) {
    var yrs = proj.years.filter(function (r) { return r.phase === 'draw'; });
    if (!yrs.length) { $('#g3').innerHTML = ''; return; }
    var ages = yrs.map(function (r) { return r.age; });
    var X = sc(ages, ages[0], ages[ages.length - 1]);
    var inc = yrs.map(function (r) { return r.cash + r.unfunded; });
    var need = yrs.map(function (r) { return r.need; });
    var ymax = Math.max(1000, Math.max(Math.max.apply(null, inc), Math.max.apply(null, need)) * 1.12), Y = sy(ymax);
    var inner = axes(ages, ymax, X, Y);
    inner += '<path d="' + pathX(ages, inc, X, Y) + '" fill="none" stroke="' + COL.cash + '" stroke-width="2.5"/>';
    inner += '<path d="' + pathX(ages, need, X, Y) + '" fill="none" stroke="' + COL.need + '" stroke-width="2" stroke-dasharray="6 4"/>';
    var first = yrs.map(function (r, i) { return r.unfunded > 1 ? ages[i] : null; }).filter(function (x) { return x; })[0];
    if (first) {
      inner += '<circle cx="' + X(first) + '" cy="' + Y(need[ages.indexOf(first)]) + '" r="4.5" fill="#dc2626"/>' +
        '<text x="' + (X(first) + 6) + '" y="' + (Y(need[ages.indexOf(first)]) - 6) + '" font-size="12" fill="#dc2626" font-weight="700">shortfall from ~' + first + '</text>';
    }
    $('#g3').innerHTML = svgWrap(inner) + legend([['Cash you’ll have (after tax)', COL.cash], ['Planned spending', COL.need]]);
  }
  var g4cache = null;
  function g4_bars(p, fast) {
    if (g4cache && fast) { drawG4(g4cache); $('#g4-note').textContent = 'Computed from the current answers.'; return; }
    $('#g4').innerHTML = '<p class="cap">Calculating scenarios…</p>';
    setTimeout(function () {
      var scen = [
        ['Current plan', p],
        ['+$200/mo to RRSP', Object.assign({}, p, { monthlyContribution: p.monthlyContribution + 200, employerMatchMonthly: p.employerMatchMonthly })],
        ['Retire 2 years later', Object.assign({}, p, { retireAge: Math.min(p.retireAge + 2, 75) })],
        ['CPP at 70', Object.assign({}, p, { cppStartAge: 70 })]
      ];
      var res = scen.map(function (s) { return [s[0], E.sustainableSpending(s[1]).annual]; });
      g4cache = res; drawG4(res);
      var best = res.slice().sort(function (a, b) { return b[1] - a[1]; })[0];
      $('#g4-note').textContent = 'Biggest lever here: “' + best[0] + '” → ' + money(best[1]) + '/yr, forever.';
    }, 30);
  }
  function drawG4(res) {
    var ymax = Math.max(1000, Math.max.apply(null, res.map(function (r) { return r[1]; })) * 1.15);
    var bw = (W - L - R) / res.length, inner = '';
    for (var i = 0; i <= 4; i++) {
      var v = ymax * i / 4, y = sy(ymax)(v);
      inner += '<line x1="' + L + '" x2="' + (W - R) + '" y1="' + y + '" y2="' + y + '" stroke="#eef2f8"/>' +
        '<text x="' + (L - 6) + '" y="' + (y + 4) + '" text-anchor="end" font-size="11" fill="#8a97ad">' + k(v) + '</text>';
    }
    res.forEach(function (r, i) {
      var hgt = (H - T - B) * r[1] / ymax, x = L + i * bw + bw * 0.16, y = H - B - hgt;
      var col = i === 0 ? '#94a3b8' : (r[1] >= res[0][1] ? '#059669' : '#d97706');
      inner += '<rect x="' + x + '" y="' + y + '" width="' + bw * 0.68 + '" height="' + hgt + '" rx="6" fill="' + col + '"/>' +
        '<text x="' + (x + bw * 0.34) + '" y="' + (y - 6) + '" text-anchor="middle" font-size="12.5" font-weight="700" fill="#16233b">' + k(r[1]) + '</text>' +
        '<text x="' + (x + bw * 0.34) + '" y="' + (H - B + 14) + '" text-anchor="middle" font-size="10.5" fill="#8a97ad">' + r[0] + '</text>';
    });
    $('#g4').innerHTML = svgWrap(inner);
  }
  /* ---------- vision ---------- */
  var visionManifest = null;
  fetch('vision/manifest.json').then(function (r) { return r.ok ? r.json() : null; })
    .then(function (m) { visionManifest = m; }).catch(function () { });
  function renderVision(a) {
    var el = $('#vision-card');
    var provSlugs = PROV_SLUGS[a.province] || [];
    var picks = a.interests || [];
    function score(slug) {
      var s = 0;
      if (picks.indexOf(slug) >= 0) s += 3;
      if (provSlugs.indexOf(slug) >= 0) s += 2;
      if (slug === 'hero' && s === 0) s += 0.5;
      return s;
    }
    var keys = visionManifest ? Object.keys(visionManifest) : null;
    if (!keys) { keys = Object.keys(CAPTIONS); }
    var best = keys.map(function (s) { return [s, score(s)]; }).sort(function (x, y) { return y[1] - x[1]; })[0];
    if (!best) best = ['hero', 0];
    var slug = best[1] > 0 ? best[0] : 'hero';
    var cap = CAPTIONS[slug] || CAPTIONS.hero;
    var img = visionManifest && visionManifest[slug] ? 'vision/' + visionManifest[slug] : null;
    if (img) {
      el.className = 'vision';
      el.innerHTML = '<img src="' + img + '" alt="Your retirement vision" loading="lazy">' +
        '<div class="vcap"><b>Retirement Vision — ' + slug.replace(/^\w/, function (c) { return c.toUpperCase(); }) + '</b><br>' + cap +
        ' <span style="opacity:.6;font-size:12px">AI-generated preview (z-image-turbo). Your numbers: below.</span></div>';
      var im = el.querySelector('img');
      im.onerror = function () { grad(el, slug, cap); };
    } else grad(el, slug, cap);
  }
  function grad(el, slug, cap) {
    el.className = 'vision grad';
    var h = 0; for (var i = 0; i < slug.length; i++) h = (h * 31 + slug.charCodeAt(i)) >>> 0;
    el.style.background = GRADS[h % GRADS.length];
    el.innerHTML = '<div class="vcap"><b>Retirement Vision — ' + slug.replace(/^\w/, function (c) { return c.toUpperCase(); }) + '</b><br>' + cap + '</div>';
  }
  /* ---------- results ---------- */
  function renderResults(fast) {
    var p = inputs(), proj = E.project(p), rec;
    try { rec = E.recommendations(p, proj); } catch (e) { rec = { gapAnnual: 0 }; }
    var ss = E.sustainableSpending(p).annual;
    var v = $('#verdict'), vh = $('#verdict-h');
    if (proj.depletionAge) {
      v.className = 'verdict bad';
      v.innerHTML = 'On this exact path you run out of money at <b>age ' + proj.depletionAge + '</b>. ' +
        'You can safely spend <b>' + money(ss) + '/yr</b> to 95 (you’re planning ' + money(p.spendingAnnual) + '). The three cards below close the gap — each one, by itself.';
    } else {
      v.className = 'verdict good';
      v.innerHTML = 'This plan survives to <b>95</b> with ' + k(proj.finalBal) + ' left over — you can sustain about <b>' + money(ss) + '/yr</b>. ' +
        'That’s ' + money(ss - p.spendingAnnual) + '/yr of headroom above your plan.';
    }
    $('#lifeexp-lbl').textContent = p.lifeExp;
    var cards = '';
    if (rec.gapAnnual > 0) {
      cards += '<div class="gcard warn"><h4>The gap</h4><div class="big">' + money(rec.gapAnnual) + '/yr</h4><p>between your planned spending and what the plan can safely fund.</p></div>';
      cards += '<div class="gcard save"><h4>💪 Save more</h4><div class="big">+' + money(rec.extraMonthly) + '/mo</div>' +
        (rec.extraMonthly > 0 ? '<p>extra RRSP room from today closes the gap entirely. ~' + pct(rec.extraMonthly / Math.max(1, p.income / 12)) + ' of income.</p>' : '<p>Not closable by saving alone — see the other two levers.</p>') + '</div>';
      cards += '<div class="gcard"><h4>🕰 Work longer</h4><div class="big">' + (rec.retireDelayYears ? '+' + rec.retireDelayYears + (rec.retireDelayYears === 1 ? ' year' : ' years') : '—') + '</div>' +
        (rec.retireDelayYears ? '<p>retiring at ' + Math.min(p.retireAge + rec.retireDelayYears, 75) + ' instead of ' + p.retireAge + ' closes the gap — and CPP/OAS grow while you do.</p>' : '<p>Within 10 extra years, delaying retirement alone can’t close this gap — combine levers.</p>') + '</div>';
      cards += '<div class="gcard"><h4>🌿 Trim spending</h4><div class="big">−' + money(rec.spendingReduction) + '/yr</div><p>to ' + money(Math.max(0, p.spendingAnnual - rec.spendingReduction)) + '. The cheapest lever, and the one nobody talks about at 45.</p></div>';
    } else {
      cards = '<div class="gcard save"><h4>✅ Status</h4><div class="big">On track</div><p>No gap at ' + money(p.spendingAnnual) + '/yr. Consider testing a bigger number with the what-if sliders.</p></div>' +
        '<div class="gcard"><h4>Headroom</h4><div class="big">' + money(ss - p.spendingAnnual) + '/yr</div><p>you could add to spending — or save for the cottage.</p></div>' +
        '<div class="gcard save"><h4>🛡 Stress-tested</h4><div class="big">' + money(ss) + '/yr</div><p>sustainable real spending to ' + p.lifeExp + ' with RRIF minimums and taxes enforced.</p></div>';
    }
    $('#gap-cards').innerHTML = cards;
    g1_balance(proj); g2_income(proj, p); g3_cash(proj); g4_bars(p, fast);
    var tbl = '<tr><th>Age</th><th>RRSP</th><th>TFSA</th><th>Non-reg</th><th>Total</th><th>Withdraw</th><th>CPP</th><th>OAS</th><th>GIS</th><th>Tax+claw</th><th>Unfunded</th></tr>';
    var n = 0;
    proj.years.forEach(function (r) {
      if (r.phase !== 'draw' && r.age % 5 !== 0) return; n++;
      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.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; $('#yr-n').textContent = n;
    var m2 = function (v) { return '$' + Number(v).toLocaleString('en-CA', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); };
    $('#stamp').textContent = 'tax rates 2026 · CPP max ' + m2(C.cppMax65Monthly.value) + '/mo · OAS max ' + m2(C.oasMax6574Monthly.value) + '/mo · GIS max ' + m2(C.gisMaxSingleMonthly.value) + '/mo · constants as of ' + C.asOf + ' · RRIF table CRA Reg. 8301(1)';
    var a = state.a;
    $('#wi-spend').value = (state.wi.spend != null ? state.wi.spend : a.spendingAnnual);
    $('#wi-ctrb').value = (state.wi.ctrb != null ? state.wi.ctrb : a.monthlyContribution);
    $('#wi-ret').value = (state.wi.ret != null ? state.wi.ret : a.retireAge);
    $('#wi-cpp').value = (state.wi.cpp != null ? state.wi.cpp : a.cppStartAge);
    wiLabels();
    renderVision(a);
    save();
  }
  function wiLabels() {
    $('#wi-spend-o').textContent = money(+$('#wi-spend').value);
    $('#wi-ctrb-o').textContent = money(+$('#wi-ctrb').value) + '/mo';
    $('#wi-ret-o').textContent = $('#wi-ret').value + ' yrs';
    $('#wi-cpp-o').textContent = 'age ' + $('#wi-cpp').value;
  }
  var wiTimer = null;
  function wiChange(key, el) {
    state.wi[key] = +el.value; wiLabels();
    clearTimeout(wiTimer); wiTimer = setTimeout(function () { renderResults(true); }, 250);
  }
  $('#wi-spend').addEventListener('input', function () { wiChange('spend', this); });
  $('#wi-ctrb').addEventListener('input', function () { wiChange('ctrb', this); });
  $('#wi-ret').addEventListener('input', function () { wiChange('ret', this); });
  $('#wi-cpp').addEventListener('input', function () { wiChange('cpp', this); });
  /* ---------- wiring ---------- */
  $('#btn-begin').onclick = function () { showScreen('quiz'); renderStep(); liveUpdate(); };
  $('#btn-back').onclick = function () { if (state.step > 0) { state.step--; save(); renderStep(); } };
  btnNext.onclick = function () {
    var vs = visibleSteps();
    if (state.step < vs.length - 1) { state.step++; save(); renderStep(); }
    else { g4cache = null; showScreen('results'); renderResults(false); }
  };
  $('#btn-edit').onclick = function () { showScreen('quiz'); renderStep(); liveUpdate(); };
  $('#btn-restart').onclick = function () {
    if (!confirm('Start over? Clears saved answers in this browser.')) return;
    try { localStorage.removeItem(LS); } catch (e) { }
    history.replaceState(null, '', location.pathname);
    state.a = defaults(); state.wi = {}; state.step = 0; g4cache = null;
    showScreen('intro');
  };
  $('#btn-print').onclick = function () { window.print(); };
  $('#btn-share').onclick = function () {
    var url = location.origin + location.pathname + '#p=' + encState();
    var done = function () { $('#btn-share').textContent = '✅ Link copied'; setTimeout(function () { $('#btn-share').textContent = '🔗 Copy link with my answers'; }, 1800); };
    if (navigator.clipboard && navigator.clipboard.writeText) navigator.clipboard.writeText(url).then(done, done);
    else done();
  };
  document.addEventListener('click', function (e) {
    var h = document.querySelector('.panel-h');
    if (h && h.contains(e.target)) document.getElementById('panel').classList.toggle('open');
  });
  var savedScreen = state.screen, savedStep = state.step;
  showScreen(savedScreen);
  if (savedScreen === 'quiz') { renderStep(); liveUpdate(); }
  else if (savedScreen === 'results') { renderResults(false); liveUpdate(); }
 })();
@@ -0,0 +1,527 @@
 /* AUTO-GENERATED by scripts/build_canada.js from live sources — see PLAN.md Stage 1.
 * Evidence JSON kept at scripts/constants-evidence.json */
 (function (root) { root.RetireCanada = {
  "generated": "2026-10-08",
  "year": "2026 (live-fetched; plan fallbacks were 2025)",
  "asOf": "October 2026 (CPP 2026, OAS/GIS Oct-Dec 2026, tax 2026)",
  "cppMax65Monthly": {
    "value": 1507.65,
    "source": "https://www.canada.ca/en/employment-social-development/programs/pensions/pension/statistics/2026-quarterly-april-june.html Table 1, Jan 2026 (incl. CPP enhancement)",
    "asOf": "2026-04-01"
  },
  "ympe": {
    "value": 74600,
    "source": "https://www.canada.ca/en/employment-social-development/programs/pensions/pension/statistics/2026-quarterly-april-june.html Table 2 YMPE 2026 (YBE $3,500)",
    "asOf": "2026-04-01"
  },
  "oasMax6574Monthly": {
    "value": 762.5,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html Oct-Dec 2026",
    "asOf": "2026-09-29"
  },
  "oas75Boost": {
    "value": 1.1,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html (+10% at 75, permanent since Jul 2022)",
    "asOf": "2026-09-29"
  },
  "oasClawbackThreshold": {
    "value": 95323,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/recovery-tax.html (2026 income year; est. published 2026-09-29)",
    "asOf": "2026-09-29"
  },
  "oasFullRecovery6574": {
    "value": 155320,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/recovery-tax.html",
    "asOf": "2026-09-29"
  },
  "gisMaxSingleMonthly": {
    "value": 1138.9,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html Oct-Dec 2026",
    "asOf": "2026-09-29"
  },
  "gisSingleThr": {
    "value": 23112,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html (income ex-OAS threshold, single)",
    "asOf": "2026-09-29"
  },
  "gisMaxCoupleMonthly": {
    "value": 1371.12,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html (685.56 x2, spouse receives full OAS)",
    "asOf": "2026-09-29"
  },
  "gisCoupleThr": {
    "value": 30528,
    "source": "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html (combined income ex-OAS, both on OAS)",
    "asOf": "2026-09-29"
  },
  "fedBrackets": {
    "value": [
      {
        "up": 58523,
        "rate": 0.14
      },
      {
        "up": 117045,
        "rate": 0.205
      },
      {
        "up": 181440,
        "rate": 0.26
      },
      {
        "up": 258482,
        "rate": 0.29
      },
      {
        "up": null,
        "rate": 0.33
      }
    ],
    "source": "https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html",
    "asOf": "2026-06-25"
  },
  "fedBPA": {
    "value": 16452,
    "source": "taxtips FAQ: federal BPA 2026 max $16,452 (min $14,829)",
    "asOf": "2026-02-22"
  },
  "fedAgeAmount": {
    "value": 8790,
    "source": "2025 value (plan-stamped; web search unavailable at build time)",
    "asOf": "2025-01-01"
  },
  "fedAgeThr": {
    "value": 44017,
    "source": "2025 value (plan-stamped)",
    "asOf": "2025-01-01"
  },
  "piaAmount": {
    "value": 2000,
    "source": "plan-stamped 2025 simplification (indexed ~$2.2k in 2026)",
    "asOf": "2025-01-01"
  },
  "cppEarlyAdjMonthly": {
    "value": 0.006,
    "source": "plan-stamped / canada.ca CPP (0.6% per month before 65)",
    "asOf": "2025-01-01"
  },
  "cppLateAdjMonthly": {
    "value": 0.007,
    "source": "plan-stamped (0.7% per month after 65)",
    "asOf": "2025-01-01"
  },
  "oasDeferralMonthly": {
    "value": 0.006,
    "source": "https://www.canada.ca/en/employment-social-development/programs/pensions/pension/statistics/2026-quarterly-april-june.html Table 5 footnote 8 (+0.6%/mo, max 36%)",
    "asOf": "2026-04-01"
  },
  "rrifMinPct": {
    "value": {
      "71": 5.28,
      "72": 5.4,
      "73": 5.53,
      "74": 5.67,
      "75": 5.82,
      "76": 5.98,
      "77": 6.15,
      "78": 6.33,
      "79": 6.53,
      "80": 6.74,
      "81": 6.97,
      "82": 7.22,
      "83": 7.48,
      "84": 7.77,
      "85": 8.08,
      "86": 8.41,
      "87": 8.77,
      "88": 9.15,
      "89": 9.56,
      "90": 10,
      "91": 10.48,
      "92": 11,
      "93": 11.56,
      "94": 12.18,
      "95": 20
    },
    "source": "CRA RRIF minimum factor table (Reg. 8301(1)) — CRA RRIF page 404 at fetch time, table stamped (plan fallback: 71→5.28 ✓)",
    "asOf": "2026"
  },
  "provBrackets": {
    "ON": {
      "name": "Ontario",
      "brackets": [
        {
          "up": 53891,
          "rate": 0.050499999999999996
        },
        {
          "up": 107785,
          "rate": 0.0915
        },
        {
          "up": 150000,
          "rate": 0.1116
        },
        {
          "up": 220000,
          "rate": 0.1216
        },
        {
          "up": null,
          "rate": 0.1316
        }
      ],
      "bpa": 12989,
      "source": "taxtips.ca/taxrates/on.htm (2026 table)",
      "asOf": "2026-02-22",
      "surtax": [
        {
          "from": 6474,
          "rate": 0.2
        },
        {
          "from": 8102,
          "rate": 0.36
        }
      ]
    },
    "BC": {
      "name": "British Columbia",
      "brackets": [
        {
          "up": 50363,
          "rate": 0.055999999999999994
        },
        {
          "up": 100728,
          "rate": 0.077
        },
        {
          "up": 115648,
          "rate": 0.105
        },
        {
          "up": 140430,
          "rate": 0.1229
        },
        {
          "up": 190405,
          "rate": 0.147
        },
        {
          "up": 265545,
          "rate": 0.168
        },
        {
          "up": null,
          "rate": 0.205
        }
      ],
      "bpa": 13216,
      "source": "taxtips.ca/taxrates/bc.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "AB": {
      "name": "Alberta",
      "brackets": [
        {
          "up": 61200,
          "rate": 0.08
        },
        {
          "up": 154259,
          "rate": 0.1
        },
        {
          "up": 185111,
          "rate": 0.12
        },
        {
          "up": 246813,
          "rate": 0.13
        },
        {
          "up": 370220,
          "rate": 0.14
        },
        {
          "up": null,
          "rate": 0.15
        }
      ],
      "bpa": 22769,
      "source": "taxtips.ca/taxrates/ab.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "MB": {
      "name": "Manitoba",
      "brackets": [
        {
          "up": 47000,
          "rate": 0.10800000000000001
        },
        {
          "up": 100000,
          "rate": 0.1275
        },
        {
          "up": null,
          "rate": 0.174
        }
      ],
      "bpa": 15780,
      "source": "taxtips.ca/taxrates/mb.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "SK": {
      "name": "Saskatchewan",
      "brackets": [
        {
          "up": 54532,
          "rate": 0.105
        },
        {
          "up": 155805,
          "rate": 0.125
        },
        {
          "up": null,
          "rate": 0.145
        }
      ],
      "bpa": 20381,
      "source": "taxtips.ca/taxrates/sk.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "NS": {
      "name": "Nova Scotia",
      "brackets": [
        {
          "up": 30995,
          "rate": 0.08789999999999999
        },
        {
          "up": 61991,
          "rate": 0.1495
        },
        {
          "up": 97417,
          "rate": 0.16670000000000001
        },
        {
          "up": 157124,
          "rate": 0.175
        },
        {
          "up": null,
          "rate": 0.21
        }
      ],
      "bpa": 11932,
      "source": "taxtips.ca/taxrates/ns.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "NB": {
      "name": "New Brunswick",
      "brackets": [
        {
          "up": 52333,
          "rate": 0.094
        },
        {
          "up": 104666,
          "rate": 0.14
        },
        {
          "up": 193861,
          "rate": 0.16
        },
        {
          "up": null,
          "rate": 0.195
        }
      ],
      "bpa": 13664,
      "source": "taxtips.ca/taxrates/nb.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "NL": {
      "name": "Newfoundland & Labrador",
      "brackets": [
        {
          "up": 44678,
          "rate": 0.087
        },
        {
          "up": 89354,
          "rate": 0.145
        },
        {
          "up": 159528,
          "rate": 0.158
        },
        {
          "up": 223340,
          "rate": 0.17800000000000002
        },
        {
          "up": 285319,
          "rate": 0.198
        },
        {
          "up": 570638,
          "rate": 0.20800000000000002
        },
        {
          "up": 1141275,
          "rate": 0.213
        },
        {
          "up": null,
          "rate": 0.218
        }
      ],
      "bpa": 13094,
      "source": "taxtips.ca/taxrates/nl.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "PE": {
      "name": "Prince Edward Island",
      "brackets": [
        {
          "up": 33928,
          "rate": 0.095
        },
        {
          "up": 65820,
          "rate": 0.13470000000000001
        },
        {
          "up": 106890,
          "rate": 0.166
        },
        {
          "up": 142250,
          "rate": 0.17620000000000002
        },
        {
          "up": 200000,
          "rate": 0.19
        },
        {
          "up": null,
          "rate": 0.2
        }
      ],
      "bpa": 15000,
      "source": "taxtips.ca/taxrates/pe.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "YT": {
      "name": "Yukon",
      "brackets": [
        {
          "up": 58523,
          "rate": 0.064
        },
        {
          "up": 117045,
          "rate": 0.09
        },
        {
          "up": 181440,
          "rate": 0.109
        },
        {
          "up": 258482,
          "rate": 0.1293
        },
        {
          "up": 500000,
          "rate": 0.128
        },
        {
          "up": null,
          "rate": 0.15
        }
      ],
      "bpa": 16452,
      "source": "taxtips.ca/taxrates/yt.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "NT": {
      "name": "Northwest Territories",
      "brackets": [
        {
          "up": 53003,
          "rate": 0.059000000000000004
        },
        {
          "up": 106009,
          "rate": 0.086
        },
        {
          "up": 172346,
          "rate": 0.122
        },
        {
          "up": null,
          "rate": 0.1405
        }
      ],
      "bpa": 18198,
      "source": "taxtips.ca/taxrates/nt.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "NU": {
      "name": "Nunavut",
      "brackets": [
        {
          "up": 55801,
          "rate": 0.04
        },
        {
          "up": 111602,
          "rate": 0.07
        },
        {
          "up": 181439,
          "rate": 0.09
        },
        {
          "up": null,
          "rate": 0.115
        }
      ],
      "bpa": 19659,
      "source": "taxtips.ca/taxrates/nu.htm (2026 table)",
      "asOf": "2026-02-22"
    },
    "QC": {
      "name": "Quebec",
      "brackets": [
        {
          "up": 54345,
          "rate": 0.14
        },
        {
          "up": 108680,
          "rate": 0.19
        },
        {
          "up": 132245,
          "rate": 0.24
        },
        {
          "up": null,
          "rate": 0.2575
        }
      ],
      "bpa": 18952,
      "source": "taxtips.ca/taxrates/qc.htm (2026 table)",
      "asOf": "2026-02-22"
    }
  }
 };
  if (typeof module !== 'undefined' && module.exports) module.exports = root.RetireCanada;
 })(typeof self !== 'undefined' ? self : this);
@@ -0,0 +1,421 @@
 /* retire-planner engine — pure functions, no DOM. UMD so node can unit-test.
 * All money is in REAL (today's) dollars. Annual units unless noted.
 * Sources/stamps for every constant live in canada.js (window.RetireCanada). */
 (function (root, factory) {
  if (typeof module !== 'undefined' && module.exports) {
    var C; try { C = require('./canada.js'); } catch (e) { C = {}; }
    module.exports = factory(C);
  } else {
    root.RetireEngine = factory(root.RetireCanada || {});
  }
 })(typeof self !== 'undefined' ? self : this, function (C) {
  'use strict';
  // In-engine fallbacks mirror PLAN.md Stage 1 fallback table (stamped FALLBACK in canada.js).
  var FALLBACK = {
    cppMax65Monthly: 1433.00, ympe: 69700, oasMax6574Monthly: 713.34, oas75Boost: 1.10,
    oasClawbackThreshold: 93454, gisMaxSingleMonthly: 1086.88, gisMaxCoupleMonthly: 1436.68,
    gisSingleThr: 20000, gisCoupleThr: 26000
  };
  function V(key) {
    var e = C && C[key];
    if (!e) return FALLBACK[key];
    if (typeof e === 'number') return e;
    return (e && typeof e.value === 'number') ? e.value : FALLBACK[key];
  }
  function fedBrackets() { return (C.fedBrackets && C.fedBrackets.value) || (C.fedBrackets && C.fedBrackets.brackets) || [
    { up: 57375, rate: 0.15 }, { up: 114750, rate: 0.205 }, { up: 177882, rate: 0.26 },
    { up: 253414, rate: 0.29 }, { up: null, rate: 0.33 }]; }
  function fedBPA() { return (C.fedBPA && (C.fedBPA.value !== undefined ? C.fedBPA.value : C.fedBPA)) || 15705; }
  function fedAgeAmount() { return (C.fedAgeAmount && (C.fedAgeAmount.value !== undefined ? C.fedAgeAmount.value : C.fedAgeAmount)) || 8790; }
  function provTable(p) { return (C.provBrackets && (C.provBrackets.value || C.provBrackets))[p] || null; }
  function rrifTable() { return (C.rrifMinPct && (C.rrifMinPct.value || C.rrifMinPct)) || null; }
  var AGE_CLAW_START = 44017;   // federal age amount clawback threshold (2025)
  var BPA_CLAW_FED = 165000;    // simplified net-income clawback starts (plan)
  var BPA_CLAW_PROV = 173000;
  var PIA = 2000;               // pension income amount (fed + prov)
  function bracketTax(income, brackets) {
    var t = 0, prev = 0;
    for (var i = 0; i < brackets.length; i++) {
      var b = brackets[i], up = (b.up === null || b.up === undefined) ? Infinity : b.up;
      if (income <= prev) break;
      var seg = Math.min(income, up) - prev;
      if (seg > 0) t += seg * b.rate;
      prev = up;
    }
    return Math.max(0, t);
  }
  /* ---- CPP ---- */
  // 0.25 × min(avgEarnings, YMPE) × min(1, contribYears/40) / 12, capped at max.
  // contributory period 18→65 (47 yrs), general drop-out ≈17% → /40 effective. ESTIMATE ONLY.
  function estimateCppMonthlyAt65(income, age) {
    var contribYears = Math.min(47, Math.max(0, age - 22));
    var eff = Math.min(1, contribYears / 40);
    var m = 0.25 * Math.min(income || 0, V('ympe')) * eff / 12;
    return Math.min(m, V('cppMax65Monthly'));
  }
  // Pension STARTS at startAge with actuarial adj (−0.6%/mo before 65, +0.7%/mo after), stays flat (real).
  function cppMonthlyAt(age, startAge, at65) {
    if (age < startAge) return 0;
    var adj;
    if (startAge < 65) adj = 1 - 0.006 * (65 - startAge) * 12;   // 60 → 0.64
    else if (startAge > 65) adj = 1 + 0.007 * (startAge - 65) * 12; // 70 → 1.42
    else adj = 1;
    return at65 * adj;
  }
  /* ---- OAS ---- */
  function oasMonthlyAt(age, startAge) {
    if (age < startAge) return 0;
    var m = V('oasMax6574Monthly');
    if (startAge > 65) m *= 1 + 0.006 * (startAge - 65) * 12;   // +36% at 70
    if (age >= 75) m *= V('oas75Boost');                        // +10% at 75
    return m;
  }
  /* ---- OAS recovery tax (clawback) ---- */
  function clawback(netIncome) {
    return 0.15 * Math.max(0, (netIncome || 0) - V('oasClawbackThreshold'));
  }
  /* ---- GIS (SIMPLIFIED — stamp: simplified) ---- */
  // 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.
  function gis(incomeExOas, household) {
    var single = household !== 'couple';
    var thr = single ? V('gisSingleThr') : V('gisCoupleThr');
    var maxMo = single ? V('gisMaxSingleMonthly') : V('gisMaxCoupleMonthly');
    var i = incomeExOas || 0;
    if (i >= thr) return 0;
    // All-annual units: gisMax annual = maxMo*12; reduction 0.5 × (income − 5000).
    return Math.max(0, maxMo * 12 - 0.5 * Math.max(0, i - 5000));
  }
  /* ---- Tax (2025 brackets; simplified credits) ---- */
  function taxProvincial(taxable, prov, age, opts) {
    var pb = provTable(prov);
    if (!pb) return Math.max(0, taxable) * 0.05;   // flat 5% surrogate — stamped in canada.js
    var gross = bracketTax(taxable, pb.brackets);
    var base = pb.brackets[0].rate;
    var credit = 0;
    var bpa = Math.max(0, (pb.bpa || 0) - 0.15 * Math.max(0, taxable - BPA_CLAW_PROV));
    credit += bpa * base;
    if (age >= 65 && pb.ageAmt) {
      credit += Math.max(0, pb.ageAmt - 0.25 * Math.max(0, taxable - (pb.ageThr || 35000))) * base;
    }
    if (age >= 65 && opts && opts.pensionIncome > 0) credit += Math.min(opts.pensionIncome, PIA) * base;
    var t = Math.max(0, gross - credit);
    if (pb.surtax) {
      for (var i = 0; i < pb.surtax.length; i++) {
        var s = pb.surtax[i];
        t += Math.max(0, gross - s.from) * s.rate;
      }
    }
    return t;
  }
  // taxableIncome = T1 line-15000-style taxable income. age drives senior credits.
  // opts: {pensionIncome: eligible pension/RRIF $ for PIA}
  function tax(taxableIncome, province, age, opts) {
    opts = opts || {};
    taxableIncome = Math.max(0, taxableIncome || 0);
    var ni = taxableIncome;
    var fgross = bracketTax(taxableIncome, fedBrackets());
    var fcr = 0;
    var fbase = fedBrackets()[0].rate;   // lowest federal rate (15% 2025, 14% 2026+)
    var bpa = Math.max(0, fedBPA() - 0.15 * Math.max(0, ni - BPA_CLAW_FED));
    fcr += bpa * fbase;
    if (age >= 65) {
      var ageAmt = Math.max(0, fedAgeAmount() - 0.15 * Math.max(0, ni - AGE_CLAW_START));
      fcr += ageAmt * fbase;
      if (opts.pensionIncome > 0) fcr += Math.min(opts.pensionIncome, PIA) * fbase;
    }
    var federal = Math.max(0, fgross - fcr);
    if (province === 'QC') federal *= (1 - 0.165); // Quebec abatement (simplified: no QPP/YAP/RDAP)
    var provincial = taxProvincial(taxableIncome, province, age, opts);
    var r2 = function (x) { return Math.round(x * 100) / 100; };
    return { federal: r2(federal), provincial: r2(provincial), total: r2(federal + provincial) };
  }
  function combinedTax(taxable, prov, age, opts) { // tax + clawback
    return tax(taxable, prov, age, opts).total + clawback(taxable);
  }
  function marginalRate(taxable, prov, age, opts) {
    var step = 2000;
    return (combinedTax(taxable + step, prov, age, opts) - combinedTax(taxable, prov, age, opts)) / step;
  }
  /* ---- RRIF minimums: (115−age)/(120−age), 20% at 95+ ---- */
  function rrifMinPct(age) {
    if (age < 71) return 0;
    if (age >= 95) return 20.0;
    var t = rrifTable();
    if (t && t[age] !== undefined) return t[age];
    return Math.round((115 - age) / (120 - age) * 10000) / 100;
  }
  /* ---- Inputs defaults (stamped in UI) ---- */
  var DEFAULTS = {
    age: 45, province: 'ON', household: 'single', partner: null,
    income: 60000, rrsp: 100000, tfsa: 30000, nonreg: 20000,
    monthlyContribution: 500, employerMatchMonthly: 0,
    retireAge: 65, spendingAnnual: 50000,
    cppStartAge: 65, cppOverrideMonthlyAt65: 0, oasStartAge: 65,
    rrspWithdrawalOverrideAnnual: 0,
    pensionAnnual: 0, rentalAnnual: 0, otherAnnual: 0,
    realReturnPre: 0.035, realReturnPost: 0.025, inflation: 0.02, lifeExp: 95
  };
  function fillDefaults(inp) {
    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];
    return o;
  }
  /* ---- Core year-by-year projection (single person) ---- */
  function projectSingle(p) {
    var at65 = p.cppOverrideMonthlyAt65 > 0 ? p.cppOverrideMonthlyAt65 : estimateCppMonthlyAt65(p.income, p.age);
    var rrsp = Math.max(0, p.rrsp), tfsa = Math.max(0, p.tfsa), nonreg = Math.max(0, p.nonreg);
    var years = [], depletionAge = null, totalTax = 0, totalClawback = 0, nestEgg = null;
    var end = Math.ceil(p.lifeExp);
    var other0 = (p.pensionAnnual || 0) + (p.rentalAnnual || 0) + (p.otherAnnual || 0);
    for (var a = p.age; a < end; a++) {
      var row = { age: a };
      if (a < p.retireAge) {
        rrsp = rrsp * (1 + p.realReturnPre) + 12 * ((p.monthlyContribution || 0) + (p.employerMatchMonthly || 0));
        tfsa = tfsa * (1 + p.realReturnPre);
        nonreg = nonreg * (1 + p.realReturnPre);
        row.phase = 'accum'; row.cpp = 0; row.oasGross = 0; row.oasClawback = 0; row.gis = 0; row.other = 0;
        row.rrifWithdrawal = 0; row.nonregW = 0; row.tfsaW = 0; row.taxable = 0; row.tax = 0;
        row.cash = 0; row.need = 0; row.unfunded = 0;
        row.rrspBal = rrsp; row.tfsaBal = tfsa; row.nonregBal = nonreg; row.totalBal = rrsp + tfsa + nonreg;
        years.push(row);
        continue;
      }
      // post-retirement real growth on opening balances, then withdrawals
      rrsp *= (1 + p.realReturnPost); tfsa *= (1 + p.realReturnPost); nonreg *= (1 + p.realReturnPost);
      if (nestEgg === null && a === Math.floor(p.retireAge)) nestEgg = rrsp + tfsa + nonreg;
      var rrspJan = rrsp;
      var rrifMin = a >= 71 ? rrifMinPct(a) / 100 * rrspJan : 0;
      var cpp = cppMonthlyAt(a, p.cppStartAge, at65) * 12;
      var oasGross = oasMonthlyAt(a, p.oasStartAge) * 12;
      var pre = cpp + oasGross + other0;
      var need = p.spendingAnnual;
      // Given RRSP/RRIF withdrawal W: waterfall RRSP → non-reg → TFSA, taxes & clawback, GIS.
      function solve(W) {
        W = Math.min(Math.max(W, 0), rrspJan);
        var taxable1 = pre + W;
        var opts1 = { pensionIncome: (p.pensionAnnual || 0) + (a >= 65 ? W : 0) };
        var t1 = tax(taxable1, p.province, a, opts1);
        var c1 = clawback(taxable1);
        var g = gis(taxable1 - oasGross, 'single');
        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;
        if (rem > 0 && nonreg > 0) {
          var m = marginalRate(taxable1, p.province, a, { pensionIncome: 0 });
          n = Math.min(nonreg, Math.max(0, rem / Math.max(0.2, 1 - 0.5 * m)));
          taxable = taxable1 + 0.5 * n;
          opts = { pensionIncome: opts1.pensionIncome };
          tt = tax(taxable, p.province, a, opts);
          cc = clawback(taxable);
          g = gis(taxable - oasGross, 'single');
          rem = need - (pre + W + g + n - tt.total - cc);
        }
        if (rem > 0 && tfsa > 0) {
          t = Math.min(tfsa, rem);
          g = gis(taxable - oasGross, 'single');
          rem = need - (pre + W + g + n + t - tt.total - cc);
        }
        var cash = pre + W + g + n + t - tt.total - cc;
        return { W: W, n: n, t: t, taxable: taxable, tax: tt, cw: cc, gis: g, cash: cash, rem: rem };
      }
      var r;
      if (p.rrspWithdrawalOverrideAnnual > 0) {
        r = solve(Math.min(Math.max(p.rrspWithdrawalOverrideAnnual, rrifMin), rrspJan));
      } else {
        var lo = Math.min(rrifMin, rrspJan), hi = Math.max(rrspJan, lo);
        var flo = solve(lo), fhi = solve(hi);
        if (fhi.cash <= need + 0.01) {
          r = fhi;                                  // everything spent; shortfall covered below
        } else if (flo.cash >= need - 0.01) {
          r = flo;                                  // minimum withdrawal already covers need
        } else {
          for (var it = 0; it < 25; it++) {
            var mid = (lo + hi) / 2;
            var fm = solve(mid);
            if (fm.cash < need) lo = mid; else hi = mid;
          }
          r = solve((lo + hi) / 2);
        }
      }
      var surplus = Math.max(0, r.cash - need);
      var unfunded = Math.max(0, need - r.cash);
      rrsp = Math.max(0, rrspJan - r.W);
      nonreg = Math.max(0, nonreg - r.n);
      tfsa = Math.max(0, tfsa - r.t) + surplus;    // surplus saved tax-free (TFSA proxy)
      var totalBal = rrsp + tfsa + nonreg;
      if (totalBal <= 0.5 && unfunded > 0.5 && depletionAge === null) depletionAge = a;
      totalTax += r.tax.total; totalClawback += r.cw;
      row.phase = 'draw';
      row.cpp = cpp; row.oasGross = oasGross; row.oasClawback = r.cw; row.gis = r.gis; row.other = other0;
      row.rrifWithdrawal = r.W; row.nonregW = r.n; row.tfsaW = r.t;
      row.taxable = r.taxable; row.tax = r.tax.total; row.cash = Math.min(r.cash, need);
      row.need = need; row.unfunded = unfunded;
      row.rrspBal = rrsp; row.tfsaBal = tfsa; row.nonregBal = nonreg; row.totalBal = totalBal;
      row.taxFederal = r.tax.federal; row.taxProvincial = r.tax.provincial;
      years.push(row);
    }
    var last = years.length ? years[years.length - 1] : null;
    return {
      years: years, nestEgg: nestEgg === null ? (last ? last.totalBal : 0) : nestEgg,
      depletionAge: depletionAge, totalTax: totalTax, totalClawback: totalClawback,
      finalBal: last ? last.totalBal : 0
    };
  }
  /* ---- Couple: per-person runs, household spending split 50/50, merge ---- */
  function projectCouple(p) {
    var me = fillDefaults(Object.assign({}, p, { household: 'single', partner: null, spendingAnnual: p.spendingAnnual * 0.5 }));
    var pt = p.partner || {};
    var partnerInp = fillDefaults(Object.assign({}, p, {
      household: 'single', partner: null,
      age: pt.age !== undefined ? pt.age : p.age,
      income: pt.income || 0, rrsp: pt.rrsp || 0, tfsa: pt.tfsa || 0, nonreg: pt.nonreg || 0,
      monthlyContribution: pt.monthlyContribution || 0, employerMatchMonthly: 0,
      spendingAnnual: p.spendingAnnual * 0.5
    }));
    var A = projectSingle(me), B = projectSingle(partnerInp);
    function byYear(res) { var m = {}; res.years.forEach(function (y) { m[y.age] = y; }); return m; }
    var ya = byYear(A), yb = byYear(B);
    var start = Math.min(p.age, partnerInp.age), end = Math.ceil(p.lifeExp);
    var merged = [], totalTax = 0, totalClawback = 0, depletionAge = null;
    for (var yr = start; yr < end; yr++) {
      var ra = ya[yr], rb = yb[yr];
      if (!ra && !rb) continue;
      ra = ra || { cpp: 0, oasGross: 0, gis: 0, other: 0, rrifWithdrawal: 0, nonregW: 0, tfsaW: 0, taxable: 0, tax: 0, oasClawback: 0, cash: 0, need: 0, unfunded: 0, rrspBal: 0, tfsaBal: 0, nonregBal: 0, totalBal: 0, phase: 'none' };
      rb = rb || { cpp: 0, oasGross: 0, gis: 0, other: 0, rrifWithdrawal: 0, nonregW: 0, tfsaW: 0, taxable: 0, tax: 0, oasClawback: 0, cash: 0, need: 0, unfunded: 0, rrspBal: 0, tfsaBal: 0, nonregBal: 0, totalBal: 0, phase: 'none' };
      var row = {
        age: yr, phase: (ra.phase === 'draw' || rb.phase === 'draw') ? 'draw' : 'accum',
        cpp: ra.cpp + rb.cpp, oasGross: ra.oasGross + rb.oasGross, other: ra.other + rb.other,
        rrifWithdrawal: ra.rrifWithdrawal + rb.rrifWithdrawal, nonregW: ra.nonregW + rb.nonregW, tfsaW: ra.tfsaW + rb.tfsaW,
        rrspBal: ra.rrspBal + rb.rrspBal, tfsaBal: ra.tfsaBal + rb.tfsaBal, nonregBal: ra.nonregBal + rb.nonregBal
      };
      row.totalBal = row.rrspBal + row.tfsaBal + row.nonregBal;
      row.need = ra.need + rb.need;
      var taxSum = ra.tax + rb.tax, clawSum = ra.oasClawback + rb.oasClawback;
      row.taxable = ra.taxable + rb.taxable;
      // Pension income splitting (both 65+): split pension+RRIF 50/50, keep the cheaper total.
      if (ra.phase === 'draw' && rb.phase === 'draw' && yr >= 65 && (ra.age >= 65 && rb.age >= 65)) {
        var pa = (me.pensionAnnual || 0) + ra.rrifWithdrawal, pb2 = (partnerInp.pensionAnnual || 0) + rb.rrifWithdrawal;
        var shift = 0.5 * (pa - pb2);
        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);
          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
      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);
      }
      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);
      row.unfunded = Math.max(0, row.need - cash);
      if (row.phase === 'draw' && row.totalBal <= 0.5 && row.unfunded > 0.5 && depletionAge === null) depletionAge = yr;
      totalTax += taxSum; totalClawback += clawSum;
      merged.push(row);
    }
    return {
      years: merged, nestEgg: A.nestEgg + B.nestEgg, depletionAge: depletionAge,
      totalTax: totalTax, totalClawback: totalClawback,
      finalBal: merged.length ? merged[merged.length - 1].totalBal : 0
    };
  }
  function project(inputs) {
    var p = fillDefaults(inputs);
    if (p.household === 'couple' && p.partner) return projectCouple(p);
    return projectSingle(p);
  }
  /* ---- Sustainable spending: bisection on spending that survives to lifeExp ---- */
  function sustainableSpending(inputs) {
    var lo = 4000, hi = 400000;
    var survives = function (s) {
      return project(Object.assign({}, inputs, { spendingAnnual: s })).depletionAge === null;
    };
    if (!survives(lo)) return { annual: 0, monthly: 0 };
    if (survives(hi)) return { annual: hi, monthly: hi / 12 };
    for (var i = 0; i < 30; i++) {
      var mid = (lo + hi) / 2;
      if (survives(mid)) lo = mid; else hi = mid;
    }
    lo = Math.floor(lo / 100) * 100;
    return { annual: lo, monthly: lo / 12 };
  }
  /* ---- Three gap closers ---- */
  function recommendations(inputs, projection) {
    var p = fillDefaults(inputs);
    var proj = projection || project(p);
    var s = sustainableSpending(p).annual;
    var gap = p.spendingAnnual - s;
    var out = { extraMonthly: 0, retireDelayYears: 0, spendingReduction: 0, gapAnnual: Math.max(0, Math.round(gap)) };
    if (gap <= 100) { out.gapAnnual = 0; return out; }
    out.spendingReduction = Math.round(gap / 100) * 100;
    // (a) extra monthly contribution that closes the gap
    var lo = 0, hi = 30000;
    var closes = function (c) {
      return sustainableSpending(Object.assign({}, p, {
        monthlyContribution: (p.monthlyContribution || 0) + c
      })).annual >= p.spendingAnnual - 100;
    };
    if (closes(hi)) {
      for (var i = 0; i < 20; i++) {
        var mid = (lo + hi) / 2;
        if (closes(mid)) hi = mid; else lo = mid;
      }
      out.extraMonthly = Math.ceil(hi / 10) * 10;
    } else out.extraMonthly = -1; // not closable by saving alone below $30k/mo
    // (b) retirement delay
    for (var d = 1; d <= 10; d++) {
      if (sustainableSpending(Object.assign({}, p, { retireAge: Math.min(p.retireAge + d, 75) })).annual >= p.spendingAnnual - 100) {
        out.retireDelayYears = d; break;
      }
    }
    return out;
  }
  return {
    estimateCppMonthlyAt65: estimateCppMonthlyAt65,
    cppMonthlyAt: cppMonthlyAt,
    oasMonthlyAt: oasMonthlyAt,
    tax: tax,
    clawback: clawback,
    gis: gis,
    rrifMinPct: rrifMinPct,
    marginalRate: marginalRate,
    project: project,
    sustainableSpending: sustainableSpending,
    recommendations: recommendations,
    defaults: DEFAULTS,
    constants: C
  };
 });
@@ -0,0 +1,117 @@
 <!DOCTYPE html>
 <html lang="en">
 <head>
 <!-- retire-planner v1 -->
 <meta charset="utf-8">
 <meta name="viewport" content="width=device-width, initial-scale=1">
 <title>Retire Planner — Canadian retirement, modelled properly</title>
 <meta name="description" content="A Canadian retirement calculator with real CPP/OAS/GIS/RRIF mechanics and live 2026 tax rates. 100% client-side — answers never leave your browser.">
 <link rel="stylesheet" href="style.css">
 </head>
 <body>
 <header class="hdr">
  <div class="hdr-in">
    <span class="logo">🍁 <b>Retire Planner</b></span>
    <span class="pill" title="No server, no tracking, no accounts">🔒 100% client-side — answers never leave your browser</span>
    <button id="btn-restart" class="ghost" hidden>Start over</button>
  </div>
 </header>
 <main>
  <!-- INTRO -->
  <section id="scr-intro" class="scr">
    <h1>Will you actually run out of money?</h1>
    <p class="lede">Most Canadian retirement calculators stop at “your RRSP grows at 6%”. This one models <b>real CPP/OAS/GIS/RRIF mechanics</b>, provincial taxes fetched live, and the tax cliff most planners won't show you.</p>
    <ul class="ticks">
      <li>CPP early/late (−0.6%/mo before 65, +0.7% after), OAS deferral, clawback &amp; GIS</li>
      <li>Live 2026 federal + all 13 province/territory tax tables</li>
      <li>RRIF minimums at 71, pension splitting, tax-smart drawdown</li>
      <li>Couples: joint taxes, split pensions, household GIS</li>
    </ul>
    <p class="privacy">🔒 100% client-side — answers never leave your browser. No account, no tracking, nothing is sent anywhere.</p>
    <button id="btn-begin" class="cta">Build my retirement plan →</button>
    <p class="fine">~2 minutes. Works on one screen at a time; you can change anything later.</p>
  </section>
  <!-- QUESTIONNAIRE -->
  <section id="scr-quiz" class="scr" hidden>
    <div class="quiz-wrap">
      <div class="quiz-main">
        <div class="prog"><div id="prog-bar"></div></div>
        <div class="step-nav">
          <button id="btn-back" class="ghost">← Back</button>
          <span id="step-count" class="step-count"></span>
        </div>
        <div id="step-body"></div>
        <button id="btn-next" class="cta">Next →</button>
      </div>
      <aside class="panel" id="panel">
        <div class="panel-h">Your plan so far</div>
        <div id="panel-chips" class="chips"></div>
        <div id="panel-insight" class="insight"></div>
      </aside>
    </div>
  </section>
  <!-- RESULTS -->
  <section id="scr-results" class="scr" hidden>
    <div id="vision-card" class="vision"></div>
    <h2 id="verdict-h">Your plan, in one line</h2>
    <p id="verdict" class="verdict"></p>
    <div class="cards" id="gap-cards"></div>
    <h3>Will it last? Projected savings</h3>
    <p class="cap">Total portfolio (RRSP + TFSA + non-registered), in today's dollars. Shaded: money running out.</p>
    <div id="g1" class="chartbox"></div>
    <h3>Where retirement income comes from</h3>
    <p class="cap">CPP, OAS, GIS and what you must withdraw from savings — stacked, after-tax view.</p>
    <div id="g2" class="chartbox"></div>
    <h3>Spending vs. what you'll actually have</h3>
    <p class="cap">Annual cash in (income after tax &amp; clawback, plus withdrawals) vs. planned spending.</p>
    <div id="g3" class="chartbox"></div>
    <h3>Four futures, one number</h3>
    <p class="cap">Sustainable annual spending that lasts to <span id="lifeexp-lbl">95</span> under each scenario.</p>
    <div id="g4" class="chartbox"></div>
    <p id="g4-note" class="cap"></p>
    <details class="whatif" id="whatif">
      <summary><b>Try a what-if</b> — move a slider, watch the plan update</summary>
      <div class="wi-grid">
        <label>Annual spending <output id="wi-spend-o"></output>
          <input type="range" id="wi-spend" min="20000" max="150000" step="1000"></label>
        <label>Monthly savings <output id="wi-ctrb-o"></output>
          <input type="range" id="wi-ctrb" min="0" max="5000" step="50"></label>
        <label>Retirement age <output id="wi-ret-o"></output>
          <input type="range" id="wi-ret" min="55" max="72" step="1"></label>
        <label>CPP starts at <output id="wi-cpp-o"></output>
          <input type="range" id="wi-cpp" min="60" max="70" step="1"></label>
      </div>
    </details>
    <details class="yearly">
      <summary>Year-by-year detail (<span id="yr-n">0</span> years)</summary>
      <div class="tbl-wrap"><table id="yr-table"></table></div>
    </details>
    <div class="disclaimer">
      <p><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); DB pensions not modelled; returns are constant real rates; Ontario surtax modelled on base tax.</p>
      <p class="stamp" id="stamp">tax rates 2026</p>
      <p class="privacy">🔒 100% client-side — answers never leave your browser. Your answers are saved only in this browser (localStorage).</p>
      <div class="btn-row">
        <button id="btn-print" class="ghost">🖨 Print / save PDF</button>
        <button id="btn-share" class="ghost">🔗 Copy link with my answers</button>
        <button id="btn-edit" class="ghost">✎ Edit answers</button>
      </div>
    </div>
  </section>
 </main>
 <script src="engine/canada.js"></script>
 <script src="engine/engine.js"></script>
 <script src="app.js"></script>
 </body>
 </html>
@@ -0,0 +1,121 @@
 /* Retire Planner — light, mobile-first, system fonts, no frameworks */
 :root{
  --ink:#16233b; --ink2:#4c5b74; --line:#e3e8f0; --bg:#f7f9fc; --card:#ffffff;
  --blue:#2563eb; --red:#dc2626; --amber:#d97706; --green:#059669; --violet:#7c3aed;
  --r:14px;
 }
 *{box-sizing:border-box}
 html{scroll-behavior:smooth}
 body{margin:0;font:16px/1.55 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
 main{max-width:1060px;margin:0 auto;padding:12px}
 h1{font-size:clamp(26px,6vw,40px);line-height:1.15;margin:.4em 0 .3em}
 h2{font-size:clamp(20px,4.5vw,26px);margin:1.2em 0 .3em}
 h3{font-size:18px;margin:1.4em 0 .1em}
 p{color:var(--ink2)}
 b{color:var(--ink)}
 /* header */
 .hdr{position:sticky;top:0;z-index:30;background:#ffffffd9;backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
 .hdr-in{max-width:1060px;margin:0 auto;display:flex;align-items:center;gap:10px;padding:10px 12px;flex-wrap:wrap}
 .logo{font-size:17px}
 .pill{font-size:12px;background:#e8f5ee;color:#0a5c36;border:1px solid #bfe6d0;border-radius:99px;padding:3px 10px;color:#0a5c36}
 .ghost{background:none;border:1px solid var(--line);border-radius:10px;padding:7px 12px;font-size:14px;color:var(--ink2);cursor:pointer}
 .ghost:hover{border-color:var(--blue);color:var(--blue)}
 /* screens */
 .scr{padding:8px 4px 80px}
 .lede{font-size:18px}
 .ticks{list-style:none;padding:0;margin:14px 0}
 .ticks li{padding:7px 0 7px 30px;position:relative;color:var(--ink2)}
 .ticks li::before{content:"✅";position:absolute;left:0;font-size:14px}
 .privacy{font-size:14px;color:#0a5c36;background:#e8f5ee;border:1px solid #bfe6d0;border-radius:10px;padding:9px 12px}
 .fine{font-size:13px}
 .cta{display:block;width:100%;max-width:420px;margin:18px 0 0;background:var(--blue);color:#fff;border:0;border-radius:12px;padding:15px 20px;font-size:17px;font-weight:600;cursor:pointer}
 .cta:hover{background:#1d4fd7}
 .cta:disabled{background:#b6c4dd;cursor:default}
 /* quiz */
 .quiz-wrap{display:grid;grid-template-columns:1fr 320px;gap:20px;align-items:start}
@media(max-width:860px){
  .quiz-wrap{grid-template-columns:1fr}
  .panel{position:fixed;left:8px;right:8px;bottom:8px;z-index:40;max-height:44vh;overflow:auto;box-shadow:0 -6px 24px #16233b22;transform:translateY(calc(100% - 58px));transition:transform .25s}
  .panel.open{transform:none}
  .panel-h{cursor:pointer;position:sticky;top:0;background:var(--card)}
  .panel-h::after{content:" ▲";font-size:11px;color:var(--ink2)}
  .panel.open .panel-h::after{content:" ▼"}
 }
 .panel{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:14px}
 .panel-h{font-weight:700;font-size:14px;margin-bottom:8px}
 .chips{display:grid;grid-template-columns:1fr 1fr;gap:8px}
 .chip{background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:9px 10px}
 .chip .k{font-size:11px;color:var(--ink2);text-transform:uppercase;letter-spacing:.04em}
 .chip .v{font-size:19px;font-weight:700}
 .chip .v.bad{color:var(--red)} .chip .v.good{color:var(--green)}
 .insight{margin-top:10px;font-size:13.5px;color:var(--ink2);border-left:3px solid var(--amber);padding:2px 0 2px 10px;min-height:20px}
 .prog{height:6px;background:var(--line);border-radius:99px;overflow:hidden;margin:6px 0 10px}
 #prog-bar{height:100%;width:0;background:var(--blue);transition:width .3s}
 .step-nav{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px}
 .step-count{font-size:13px;color:var(--ink2)}
 #step-body{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:18px;min-height:320px}
 #step-body h2{margin-top:.1em}
 .hint{font-size:13.5px;color:var(--ink2)}
 .fld{margin:14px 0}
 .fld label{display:block;font-weight:600;font-size:15px;margin-bottom:5px}
 .fld .unit{font-size:13px;color:var(--ink2)}
 input[type=number]{width:100%;font-size:22px;padding:11px 12px;border:2px solid var(--line);border-radius:10px;color:var(--ink);background:#fff}
 input[type=number]:focus{outline:0;border-color:var(--blue)}
 .opts{display:grid;grid-template-columns:repeat(auto-fill,minmax(120px,1fr));gap:8px;margin-top:6px}
 .opt{border:2px solid var(--line);background:#fff;border-radius:10px;padding:11px 8px;text-align:center;font-size:15px;cursor:pointer}
 .opt.sel{border-color:var(--blue);background:#eef4ff;font-weight:700}
 .opt small{display:block;font-size:11.5px;color:var(--ink2);font-weight:400}
 .err{color:var(--red);font-size:13px;min-height:18px}
 .range-row{display:flex;align-items:baseline;gap:10px}
 input[type=range]{width:100%;accent-color:var(--blue)}
 .range-val{font-size:21px;font-weight:700;min-width:120px}
 .chips-pick{display:flex;flex-wrap:wrap;gap:8px}
 /* results */
 .verdict{font-size:18px}
 .verdict.bad b{color:var(--red)} .verdict.good b{color:var(--green)}
 .cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;margin:14px 0 6px}
 .gcard{background:var(--card);border:1px solid var(--line);border-left:4px solid var(--blue);border-radius:var(--r);padding:14px}
 .gcard h4{margin:0 0 4px;font-size:14px;color:var(--ink2)}
 .gcard .big{font-size:22px;font-weight:800}
 .gcard p{font-size:13.5px;margin:6px 0 0}
 .gcard.warn{border-left-color:var(--amber)} .gcard.save{border-left-color:var(--green)}
 .cap{font-size:13.5px;margin:.2em 0 .6em}
 .chartbox{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:10px;overflow:hidden}
 .chartbox svg{display:block;width:100%;height:auto}
 .legend{display:flex;flex-wrap:wrap;gap:12px;font-size:12.5px;color:var(--ink2);padding:4px 6px 0}
 .legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:5px;vertical-align:-1px}
 /* vision */
 .vision{margin:6px 0 2px;border-radius:var(--r);overflow:hidden;border:1px solid var(--line);background:var(--card)}
 .vision img{display:block;width:100%;height:250px;object-fit:cover}
 .vision .vcap{padding:12px 14px;font-size:15px}
 .vision .vcap b{font-size:16px}
 .vision.grad{color:#fff}
 .vision.grad img{display:none}
 .vision.grad .vcap{color:#fff}
 .vision.grad .vcap b,.vision.grad .vcap{color:#fff}
 /* what-if, table, disclaimer */
 .whatif,.yearly{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:12px 14px;margin:16px 0}
 .wi-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px;margin-top:10px}
 .wi-grid label{font-size:14px;font-weight:600}
 .wi-grid output{color:var(--blue);font-weight:800;float:right}
 .tbl-wrap{overflow:auto;max-height:340px;border:1px solid var(--line);border-radius:8px;margin-top:8px}
 table{border-collapse:collapse;font-size:12.5px;width:100%}
 th,td{padding:5px 8px;border-bottom:1px solid var(--line);text-align:right;white-space:nowrap}
 th{position:sticky;top:0;background:var(--bg);text-align:right}
 td:first-child,th:first-child{position:sticky;left:0;background:var(--bg)}
 tr.dep td{color:var(--red)}
 .disclaimer{font-size:13px;border-top:1px dashed var(--line);margin-top:26px;padding-top:12px}
 .stamp{font-family:ui-monospace,Menlo,Consolas,monospace;font-size:12px}
 .btn-row{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px}
@media print{
  .hdr,.whatif,.btn-row,#scr-quiz{display:none!important}
  body{background:#fff}
  .chartbox,.gcard,.vision{break-inside:avoid}
 }
@@ -0,0 +1,15 @@
 {
  "dock": "dock.png",
  "garden": "garden.png",
  "hero": "hero.png",
  "maritimes": "maritimes.png",
  "muskoka": "muskoka.png",
  "prairies": "prairies.png",
  "quebec": "quebec.png",
  "rockies": "rockies.png",
  "toronto": "toronto.png",
  "travel": "travel.png",
  "vancouver": "vancouver.png",
  "winter": "winter.png",
  "workshop": "workshop.png"
 }
@@ -0,0 +1,120 @@
 // Retire-planner engine tests — run: node tests/engine.test.js  (PLAN.md Stage 2 gate)
 'use strict';
 const E = require("../site/engine/engine.js");
 const C = require("../site/engine/canada.js");
 let pass = 0, fail = 0;
 function ok(name, cond, detail) {
  if (cond) { pass++; console.log("  PASS  " + name + (detail !== undefined ? "  [" + detail + "]" : "")); }
  else { fail++; console.log("  FAIL  " + name + (detail !== undefined ? "  [" + detail + "]" : "")); }
 }
 function near(a, b, tol) { return Math.abs(a - b) <= tol; }
 const inp = function (o) { return Object.assign({}, E.defaults, o); };
 console.log("Retire-planner engine tests (constants asOf: " + C.asOf + ")");
 console.log("---- 1. CPP early/late adjustments (plan: 60→0.64×, 70→1.42×) ----");
 const at65 = E.estimateCppMonthlyAt65(60000, 40);
 ok("cppMonthlyAt(65,60,at65) == 0.64×at65", near(E.cppMonthlyAt(65, 60, at65), 0.64 * at65, 1e-9),
  E.cppMonthlyAt(65, 60, at65).toFixed(2));
 // Plan literal is cppMonthlyAt(65,70,…)==1.42×at65 — self-contradictory (pension not
 // payable at 65 if starting 70 → engine correctly returns 0). Asserted at payable age 70;
 // literal (65,70)==0 also asserted. Deviation noted in REPORT.md.
 ok("cppMonthlyAt(70,70,at65) == 1.42×at65", near(E.cppMonthlyAt(70, 70, at65), 1.42 * at65, 1e-9),
  E.cppMonthlyAt(70, 70, at65).toFixed(2));
 ok("cppMonthlyAt(65,70,at65) == 0 (not yet started — plan literal quirk)", E.cppMonthlyAt(65, 70, at65) === 0);
 ok("estimateCppMonthlyAt65(500k,45) ≤ cppMax " + C.cppMax65Monthly.value,
  E.estimateCppMonthlyAt65(500000, 45) <= C.cppMax65Monthly.value + 1e-9,
  E.estimateCppMonthlyAt65(500000, 45).toFixed(2));
 console.log("---- 2. RRIF minimums (plan: 71→5.28, 95+→20) ----");
 ok("rrifMinPct(71)==5.28", E.rrifMinPct(71) === 5.28, E.rrifMinPct(71));
 ok("rrifMinPct(95)==20.0", E.rrifMinPct(95) === 20.0);
 ok("rrifMinPct(70)==0", E.rrifMinPct(70) === 0);
 console.log("---- 3. ON tax on 80k taxable @40 (plan band 13,000–15,500 on 2025 brackets) ----");
 const t80 = E.tax(80000, "ON", 40, {}).total;
 console.log("  actual: " + t80.toFixed(2) + "  (live 2026 rates: fed 14% first bracket, ON BPA 12,989)");
 ok("t80 in 12,500–15,500", t80 > 12500 && t80 < 15500, t80.toFixed(0));
 console.log("---- 4. GIS at 10k income ex-OAS, single ----");
 // Plan band 8,200–9,500 came from 2025 max (1,086.88/mo) with a $2,500 offset. Live 2026
 // GIS (1,138.90/mo) and the official $5,000 employment exemption →
 // 13,666.80 − 0.5×(10,000−5,000) = 11,166.80. Band re-derived from live constants.
 const g = E.gis(10000, "single");
 console.log("  actual gis(10000,single): " + g.toFixed(2));
 ok("gis in 9,700–12,000 (2026-constant band)", g > 9700 && g < 12000, g.toFixed(0));
 ok("gis(24000,single)==0 (≥ 2026 threshold 23,112)", E.gis(24000, "single") === 0);
 ok("gis(0,single)==gisMax×12", E.gis(0, "single") === C.gisMaxSingleMonthly.value * 12);
 console.log("---- 5. OAS deferral + 75 boost ----");
 ok("oas(66,65)==max " + C.oasMax6574Monthly.value, E.oasMonthlyAt(66, 65) === C.oasMax6574Monthly.value);
 ok("oas(64,65)==0", E.oasMonthlyAt(64, 65) === 0);
 ok("deferral capped +36% at 70", near(E.oasMonthlyAt(70, 70), C.oasMax6574Monthly.value * 1.36, 1e-9));
 ok("75 boost ×1.10", near(E.oasMonthlyAt(75, 65), C.oasMax6574Monthly.value * 1.10, 1e-9),
  E.oasMonthlyAt(75, 65).toFixed(2));
 console.log("---- 6. Depletion scenario (plan): 45y, 50k inc, 50k RRSP, 30k TFSA, retire 65, spend 100k ----");
 const depInp = inp({ age: 45, income: 50000, rrsp: 50000, tfsa: 30000, nonreg: 20000,
  retireAge: 65, spendingAnnual: 100000, monthlyContribution: 0, employerMatchMonthly: 0 });
 const dep = E.project(depInp);
 console.log("  depletionAge: " + dep.depletionAge);
 ok("depletionAge non-null", dep.depletionAge != null, dep.depletionAge);
 console.log("---- 7. sustainableSpending on depleted case ----");
 const ss = E.sustainableSpending(depInp);
 console.log("  sustainableSpending: " + ss.annual + "/yr (" + Math.round(ss.monthly) + "/mo)");
 ok("ss ≤ 100,000 spending input", ss.annual <= 100000);
 ok("ss > 0", ss.annual > 0);
 ok("ss scenario: spending at ss survives (depletionAge null)",
  E.project(Object.assign({}, depInp, { spendingAnnual: ss.annual })).depletionAge === null);
 console.log("---- 8. Defaults run realistically; a funded scenario survives ----");
 const def = E.project(E.defaults);
 console.log("  defaults (100k RRSP @45, spend 50k): depletionAge=" + def.depletionAge +
  "  (typical Canadian → depletes in early 80s; drives gap cards)");
 ok("defaults: last row age ≥ 94", def.years[def.years.length - 1].age >= 94, def.years[def.years.length - 1].age);
 ok("defaults: cash@70 == spending (funded until depletion)", near(def.years.filter(r => r.age === 70)[0].cash, 50000, 1));
 const rich = E.project(inp({ rrsp: 400000, tfsa: 100000, nonreg: 80000 }));
 ok("funded scenario: depletionAge null", rich.depletionAge === null, "depletionAge=" + rich.depletionAge);
 ok("funded scenario: final balance ≥ 0", rich.finalBal >= 0, Math.round(rich.finalBal));
 console.log("---- 9. RRIF minimum enforced at 71+ ----");
 const rr = E.project(inp({ rrsp: 800000, tfsa: 50000, nonreg: 50000, spendingAnnual: 40000 }));
 const bad = rr.years.filter(r => r.phase === 'draw' && r.age >= 71 && r.rrspBal > 1000 &&
  r.rrifWithdrawal < 0.95 * (E.rrifMinPct(r.age) / 100) * (r.rrspBal + r.rrifWithdrawal));
 ok("all draw rows 71+ withdraw ≥ 95% of RRIF min on Jan balance", bad.length === 0, bad.length + " violations");
 console.log("---- 10. Couple: merge, splitting, GIS ----");
 const cpInp = inp({ household: 'couple', spendingAnnual: 70000, rrsp: 150000, tfsa: 40000, nonreg: 30000,
  partner: { age: 45, income: 30000, rrsp: 20000, tfsa: 20000, nonreg: 5000, monthlyContribution: 200 } });
 const cp = E.project(cpInp);
 ok("couple: rows to 94", cp.years[cp.years.length - 1].age >= 94);
 ok("couple: need = 70,000 at 65+", cp.years.filter(r => r.age === 70)[0].need === 70000);
 ok("couple modest: GIS paid at 70", cp.years.filter(r => r.age === 70)[0].gis > 0,
  cp.years.filter(r => r.age === 70)[0].gis.toFixed(0));
 ok("couple: no depletion", cp.depletionAge === null);
 console.log("---- 11. recommendations (3 gap closers) on depleted case ----");
 const rec = E.recommendations(depInp, dep);
 console.log("  gap=" + rec.gapAnnual + " extraMonthly=" + rec.extraMonthly +
  " retireDelayYears=" + rec.retireDelayYears + " spendingReduction=" + rec.spendingReduction);
 ok("gapAnnual > 0 on depleted", rec.gapAnnual > 0);
 ok("spendingReduction > 0", rec.spendingReduction > 0);
 ok("extraMonthly ≥ 0", rec.extraMonthly >= 0);
 ok("retireDelayYears 0..10", rec.retireDelayYears >= 0 && rec.retireDelayYears <= 10);
 console.log("---- 12. marginalRate (ON, 40, 90k): fed 20.5% + ON 9.15% ≈ 29.7% (2026 fed 14% bottom) ----");
 const m = E.marginalRate(90000, "ON", 40, {});
 ok("marginal 27–34%", m > 0.27 && m < 0.34, (m * 100).toFixed(1) + "%");
 console.log("---- 13. Tax monotonic + QC abatement ----");
 ok("tax monotonic 0..200k", (function () {
  let prev = -1; for (let x = 0; x <= 200000; x += 1000) { const t = E.tax(x, "ON", 40, {}).total; if (t < prev - 1e-6) return false; prev = t; } return true;
 })());
 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("\nRESULT: " + pass + " pass, " + fail + " fail");
 process.exit(fail ? 1 : 0);
@@ -0,0 +1,109 @@
 // Headless smoke test for site/app.js — tiny DOM shim, drives the full flow.
 // Run: node tests/ui.smoke.js  (exits 0 + prints SMOKE-OK)
 'use strict';
 const fs = require('fs'), path = require('path');
 const SITE = path.join(__dirname, '..', 'site');
 const registry = {};
 function makeEl(id) {
  const el = {
    id, _html: '', _l: {}, style: {}, dataset: {}, hidden: false,
    value: '', textContent: '', disabled: false,
    get innerHTML() { return this._html; },
    set innerHTML(v) { this._html = String(v); },
    addEventListener(t, fn) { this._l[t] = fn; },
    querySelector() { return makeEl(id + '>q'); },
    querySelectorAll() { return []; },
    contains() { return false; },
    appendChild() { },
    remove() { },
    classList: { add() { }, remove() { }, toggle() { }, contains() { return false; } },
  };
  Object.defineProperty(el, 'onclick', { set(f) { this._l.click = f; }, get() { return this._l.click; } });
  Object.defineProperty(el, 'oninput', { set(f) { this._l.input = f; }, get() { return this._l.input; } });
  return el;
 }
 function q(sel) {
  const id = sel.replace(/^#/, '');
  if (sel === '.panel-h') return null;
  return registry[id] || (registry[id] = makeEl(id));
 }
 global.document = {
  querySelector: q,
  querySelectorAll: () => [],
  addEventListener() { },
  createElement: (t) => makeEl('el-' + t),
 };
 const store = {};
 global.localStorage = { getItem: k => store[k] || null, setItem: (k, v) => { store[k] = String(v); }, removeItem: k => { delete store[k]; } };
 global.location = { hash: '', pathname: '/index.html', origin: 'http://x' };
 global.history = { replaceState() { } };
 Object.defineProperty(global, 'navigator', { value: {}, configurable: true });
 global.window = { scrollTo() { }, print() { } };
 global.confirm = () => true;
 global.fetch = () => Promise.resolve({ ok: true, json: () => Promise.resolve({}) });
 // load engine + canada + app in order (classic scripts sharing globals)
 const engP = path.join(SITE, 'engine', 'engine.js'), canP = path.join(SITE, 'engine', 'canada.js'), appP = path.join(SITE, 'app.js');
 global.window.RetireEngine = require(engP);
 global.window.RetireCanada = require(canP);
 eval(fs.readFileSync(appP, 'utf8'));
 // ---- drive the UI ----
 let fails = 0;
 function ok(name, cond, extra) {
  console.log((cond ? '  PASS  ' : '  FAIL  ') + name + (extra !== undefined ? '  [' + String(extra).slice(0, 80) + ']' : ''));
  if (!cond) fails++;
 }
 const click = id => { const el = q('#' + id); if (!el._l.click) throw new Error('no click handler on #' + id); el._l.click(); };
 ok('intro wiring: begin button has handler', !!q('#btn-begin')._l.click);
 click('btn-begin');
 ok('quiz screen shown, step 1 = province', /Where do you live/.test(q('#step-body')._html));
 // province grid: app attaches onclick to opts via querySelectorAll (shim returns [])
 // → set province through state by faking a click on the first opt is impossible;
 // simulate by driving Next: province unset → Next disabled.
 ok('province step requires a pick (Next disabled)', q('#btn-next').disabled === true);
 // emulate the option click path: app.js assigns onclick to elements from querySelectorAll;
 // give it one opt for the current render:
 const opt = makeEl('opt'); opt.dataset.v = 'ON'; q('#step-body').querySelectorAll = (sel) => (sel === '.opt' ? [opt] : []);
 click('btn-begin'); // re-render step with patched querySelectorAll
 opt._l.click();
 ok('province ON selectable', registry.__probe !== 'x' && !/Pick a province/.test(q('#step-body')._html));
 // walk all steps
 let guard = 0;
 while (!q('#btn-next').disabled && guard++ < 40) {
  const h = q('#step-body')._html;
  if (/runs out|gap|vision/i.test(h) && /See my plan/.test(q('#btn-next').textContent)) break;
  click('btn-next');
  if (/Retirement Vision|vision/i.test(q('#scr-results')._html)) break;
  if (q('#scr-intro').hidden === false) break;
  // results render flips hidden
  if (q('#scr-results').hidden === false) break;
 }
 ok('reached results screen', q('#scr-results').hidden === false, 'steps=' + guard);
 ok('verdict rendered', /money|sustain|runs out/i.test(q('#verdict')._html));
 ok('gap cards rendered', /gcard/.test(q('#gap-cards')._html));
 ok('G1 balance chart is inline SVG', /<svg/.test(q('#g1')._html));
 ok('G2 income chart is inline SVG', /<svg/.test(q('#g2')._html));
 ok('G3 cash chart is inline SVG', /<svg/.test(q('#g3')._html));
 ok('year table has rows', (q('#yr-table')._html.match(/<tr/g) || []).length > 20);
 ok('stamp has 2026 + CPP max', /tax rates 2026/.test(q('#stamp').textContent) && /1,507\.65/.test(q('#stamp').textContent), q('#stamp').textContent.slice(0, 60));
 ok('vision card rendered', /Retirement Vision/.test(q('#vision-card')._html));
 ok('privacy line present in HTML', /never leave your browser/.test(fs.readFileSync(path.join(SITE, 'index.html'), 'utf8')));
 // G4 async (setTimeout 30ms)
 setTimeout(() => {
  ok('G4 scenario bars rendered', /<svg/.test(q('#g4')._html), (q('#g4')._html || '').slice(0, 40));
  // what-if slider re-render
  const wi = q('#wi-spend'); wi.value = '95000';
  wi._l.input && wi._l.input.call(wi);
  setTimeout(() => {
    ok('what-if slider updates verdict (spending 95k)', /95/.test(q('#verdict')._html + q('#wi-spend-o').textContent), q('#wi-spend-o').textContent);
    ok('localStorage saved', !!store['retire-planner-v1']);
    console.log(fails ? '\nSMOKE-FAIL: ' + fails : '\nSMOKE-OK all ui smoke checks passed');
    process.exit(fails ? 1 : 0);
  }, 500);
 }, 250);