axWithdrawalPreSS":"→ Max withdrawal (pre-SS): {amount}/yr","maxMonthlyWithIncome":"→ Max monthly (with SS/pension): {amount}/mo","incomeSourcesByAge":"Income Sources by Age","moTotal":"/mo total","withdrawalDecreasesNote":"Withdrawal decreases as income sources activate","monthlyBudgetByAge":"Monthly Budget by Age","portfolioLabel":"Portfolio:","incomeLabel":"Income:","budgetIncreasesNote":"Budget increases as income sources activate","inflationAdjusted":"(inflation-adjusted)","perYrStartingAt":"/yr starting at","hasCola":"Has cost-of-living adjustment (COLA)","retirementIncomeHelp":"Retirement income reduces how much you need to withdraw from your portfolio.","now":"Now","retire":"Retire","planTo":"Plan to","accumulation":"Accumulation ({years}yr)","withdrawalPhase":"Withdrawal ({years}yr)"},"NarrativeSummary":{"scenarioAnalysis":"Scenario Analysis:","updating":"Updating...","updatingAnalysis":"Updating analysis...","assetOutlook":"Asset Outlook","recommendations":"Recommendations","addPrompt":"Add a portfolio and select a scenario to see AI analysis.","compareCoreScenarios":"Compare Core Scenarios","analyzing":"Analyzing...","scenarioRiskRanking":"Scenario Risk Ranking","concentrationRisk":"Concentration Risk","risk":"risk","final":"Final:","returnLabel":"Return:","failedAnalysis":"Failed to generate analysis. Check your OpenAI API key.","failedCross":"Failed to generate analysis."},"Methodology":{"title":"Methodology","howItWorks":"How the calculator works","overview":"Overview","realVsNominal":"Real vs Nominal Returns","accumulationPhase":"Accumulation Phase","retirementPhase":"Retirement Phase","keyCalculations":"Key Calculations","proFeatures":"Pro Features","assumptionsAndLimitations":"Assumptions & Limitations","heroEyebrow":"The whole calculator in one question","heroQuestion":"When does what you'll have catch up to what you'll need?","heroExplain":"Every \"can I retire at X?\" answer in this app comes down to comparing two numbers at each candidate retirement age.","forecastLabel":"Forecast — what you'll have","forecastTerm":"Portfolio at Retirement","forecastDesc":"Today's savings, plus your contributions, plus investment returns — projected forward to that age.","targetLabel":"Target — what you'll need","targetTerm":"Required Nest Egg","targetDesc":"The smallest pile that funds your lifestyle (minus pension and other income, after taxes) all the way to your target age.","comparisonRule":"The earliest age where forecast ≥ target is your retirement age.","formulaLabel":"Formula","exampleLabel":"Worked example","accumulationExampleLine1":"Start: $500,000 saved","accumulationExampleLine2":"Contribute: $1,000/month","accumulationExampleLine3":"Earn: 5% real return for 10 years","accumulationExampleResult":"≈ $965,000 at retirement","stepLabel":"Step","termRealReturn":"Real return","termRealReturnDef":"Investment growth above inflation. 8% nominal − 3% inflation = 5% real.","termCOLA":"COLA","termCOLADef":"Cost-of-living adjustment — when a pension keeps pace with inflation.","termSequenceRisk":"Sequence-of-returns risk","termSequenceRiskDef":"Bad market years early in retirement do more damage than bad years later, even with the same average return.","overviewP1":"Here's the basic idea. We project your money forward through two phases:","overviewAccumulation":"Accumulation — your portfolio grows from contributions and investment returns until retirement","overviewRetirement":"Retirement — your portfolio funds your lifestyle (alongside pension and other income) until a target age (default: 100)","overviewP2":"We then find the earliest age where your portfolio can carry you through to your target age without running out.","overviewTwoNumbersTitle":"The two numbers we compare","overviewTwoNumbers":"At every candidate retirement age, we compare two numbers: Portfolio at Retirement (what you'll actually have, projected forward from today's savings + contributions + returns) against Required Nest Egg (the smallest p