add accumulation SWR todo

TODO.md

@@ -16,15 +16,45 @@ manual-check accounts mechanism (medium effort, real user value).
 - **Configurable return cap per position — priority MEDIUM.**
   Default: none; cap outliers like NVDA. Should route through
   `projections.srf` cleanly.
-- **"Not Retired Yet" accumulation-phase mode — priority HIGH.**
-  Accumulation phase with contributions before retirement.
-  Separate from life events — the simulation has two distinct phases:
-  accumulation (base spending = 0, contributions applied) and
-  distribution (searched-for withdrawal + spending model). Config:
-  `retirement_age::60` or `retirement_in::10`, plus
-  `annual_contribution::100000`. Safe withdrawal search only applies
-  to the distribution phase. Chart shows portfolio growing during
-  accumulation, peaking at retirement, then drawing down.
+- **Accumulation-mode SWR rate column is misleading — priority LOW.**
+  When `retirement_age`/`retirement_at` is configured, the "Safe
+  Withdrawal" table's % column divides the SWR amount by the
+  CURRENT portfolio value, not the post-accumulation portfolio
+  value. The dollar amount is correct (it's the safe spending in
+  retirement, given the projected accumulation), but the % rate
+  comes out absurdly high (e.g., 22% of today's portfolio). The
+  Accumulation phase block already shows the median portfolio at
+  retirement, so the user can compute the real rate themselves —
+  but the SWR table's rate column should ideally divide by the
+  median post-accumulation value, or be suppressed when accumulation
+  is active. Decide which.
+- **Chart vertical line at retirement boundary — priority LOW.**
+  The accumulation-phase spec called this "mandatory" but it was
+  explicitly deferred during implementation. The chart currently
+  shows the full `accumulation_years + horizon` span without a
+  visual marker for where accumulation ends and distribution
+  begins. Easier to add to the kitty-graphics chart than the braille
+  one.
+- **Goal-seek over distribution horizon for W1 — priority LOW.**
+  Today the W1 ("set spending, find date") workflow reports the
+  earliest retirement at each user-configured `(horizon, confidence)`
+  cell. The philosophically correct version asks "when have I
+  accumulated enough wealth that the projection shows a 95%
+  probability of success withdrawing X per year from retirement
+  until age-of-death?" — i.e. goal-seek across both `accumulation_years`
+  AND `distribution_years` simultaneously, anchored to a configured
+  age-of-death. NP-shaped search; not worth optimizing until
+  someone wants it.
+- **Per-person retirement_age — priority LOW.**
+  V1 of the accumulation-phase spec chose Option A: a single
+  household retirement boundary derived from the oldest configured
+  birthdate. Households where one earner retires significantly
+  earlier than the other would benefit from per-person
+  `retirement_age` fields on each `type::birthdate` record, with
+  contributions stopped per-person.
+- **Configurable max_accumulation_years — priority LOW.**
+  Hardcoded at 50 years. Route through `projections.srf` if anyone
+  hits the cap.
 - Configurable MIN period selection (currently 3Y/5Y/10Y, exclude 1Y)
 - Multiple spending models: flat (current), decreasing (1-2% real annual decrease,
   Blanchett "spending smile"). Late-life healthcare better modeled as a life event.