From cbb32727d8f477d4f937e668ba44d2468e2b6de5 Mon Sep 17 00:00:00 2001
From: Emil Lerch <emil@lerch.org>
Date: Wed, 13 May 2026 11:15:04 -0700
Subject: [PATCH] adding previously ignored example files

---
 .gitignore                                    |   3 +
 examples/post-retirement/accounts.srf         |   9 +
 .../history/2024-04-01-portfolio.srf          |  37 ++
 .../history/2024-10-01-portfolio.srf          |  16 +
 .../history/2025-04-01-portfolio.srf          |  16 +
 .../history/imported_values.srf               | 441 ++++++++++++++++++
 examples/post-retirement/portfolio.srf        |  35 ++
 examples/post-retirement/projections.srf      |  32 ++
 examples/pre-retirement-age/accounts.srf      |  11 +
 examples/pre-retirement-age/portfolio.srf     |  39 ++
 examples/pre-retirement-age/projections.srf   |  38 ++
 examples/pre-retirement-both/accounts.srf     |  11 +
 examples/pre-retirement-both/portfolio.srf    |  39 ++
 examples/pre-retirement-both/projections.srf  |  50 ++
 .../accounts.srf                              |  11 +
 .../portfolio.srf                             |  39 ++
 .../projections.srf                           |  73 +++
 examples/pre-retirement-spending/accounts.srf |  11 +
 .../pre-retirement-spending/portfolio.srf     |  39 ++
 .../pre-retirement-spending/projections.srf   |  47 ++
 20 files changed, 997 insertions(+)
 create mode 100644 examples/post-retirement/accounts.srf
 create mode 100644 examples/post-retirement/history/2024-04-01-portfolio.srf
 create mode 100644 examples/post-retirement/history/2024-10-01-portfolio.srf
 create mode 100644 examples/post-retirement/history/2025-04-01-portfolio.srf
 create mode 100644 examples/post-retirement/history/imported_values.srf
 create mode 100644 examples/post-retirement/portfolio.srf
 create mode 100644 examples/post-retirement/projections.srf
 create mode 100644 examples/pre-retirement-age/accounts.srf
 create mode 100644 examples/pre-retirement-age/portfolio.srf
 create mode 100644 examples/pre-retirement-age/projections.srf
 create mode 100644 examples/pre-retirement-both/accounts.srf
 create mode 100644 examples/pre-retirement-both/portfolio.srf
 create mode 100644 examples/pre-retirement-both/projections.srf
 create mode 100644 examples/pre-retirement-spending-target/accounts.srf
 create mode 100644 examples/pre-retirement-spending-target/portfolio.srf
 create mode 100644 examples/pre-retirement-spending-target/projections.srf
 create mode 100644 examples/pre-retirement-spending/accounts.srf
 create mode 100644 examples/pre-retirement-spending/portfolio.srf
 create mode 100644 examples/pre-retirement-spending/projections.srf

diff --git a/.gitignore b/.gitignore
index 17e2993..5ce9a82 100644
--- a/.gitignore
+++ b/.gitignore
@@ -5,4 +5,7 @@ coverage/
 .env
 *.srf
 !metadata.srf
+# Example fixtures should ship with the repo so new users can run
+# `ZFIN_HOME=examples/<name> zfin projections` immediately.
+!examples/**/*.srf
 scripts/
diff --git a/examples/post-retirement/accounts.srf b/examples/post-retirement/accounts.srf
new file mode 100644
index 0000000..adde32d
--- /dev/null
+++ b/examples/post-retirement/accounts.srf
@@ -0,0 +1,9 @@
+#!srfv1
+# Account tax type classification for the post-retirement example.
+
+account::Robin Trad IRA,tax_type::traditional,institution::fidelity,account_number::RTRA
+account::Robin Roth,tax_type::roth,institution::fidelity,account_number::RROT
+account::Jamie Trad IRA,tax_type::traditional,institution::vanguard,account_number::JTRA
+account::Jamie Roth,tax_type::roth,institution::vanguard,account_number::JROT
+account::Joint taxable,tax_type::taxable,institution::schwab,account_number::JT01
+account::Family HSA,tax_type::hsa,institution::fidelity,account_number::HSA01
diff --git a/examples/post-retirement/history/2024-04-01-portfolio.srf b/examples/post-retirement/history/2024-04-01-portfolio.srf
new file mode 100644
index 0000000..dfe8837
--- /dev/null
+++ b/examples/post-retirement/history/2024-04-01-portfolio.srf
@@ -0,0 +1,37 @@
+#!srfv1
+# Synthetic snapshot for the projection-overlay demo. Real users land
+# real snapshot files here via `zfin snapshot`; this fixture is shaped
+# the same way but the totals are made up so the example renders with
+# meaningful numbers.
+kind::meta,snapshot_version:num:1,as_of_date::2024-04-01,captured_at:num:1711929600,zfin_version::example,stale_count:num:0
+kind::total,scope::net_worth,value:num:2350000.00
+kind::total,scope::liquid,value:num:2350000.00
+kind::total,scope::illiquid,value:num:0
+kind::tax_type,label::Traditional (Pre-Tax),value:num:1450000.00
+kind::tax_type,label::Roth (Post-Tax),value:num:480000.00
+kind::tax_type,label::Taxable,value:num:380000.00
+kind::tax_type,label::HSA (Triple Tax-Free),value:num:40000.00
+kind::account,name::Robin Trad IRA,value:num:980000.00
+kind::account,name::Jamie Trad IRA,value:num:470000.00
+kind::account,name::Robin Roth,value:num:280000.00
+kind::account,name::Jamie Roth,value:num:200000.00
+kind::account,name::Joint taxable,value:num:380000.00
+kind::account,name::Family HSA,value:num:40000.00
+kind::lot,symbol::VTI,lot_symbol::VTI,account::Robin Trad IRA,security_type::Stock,shares:num:1800,open_price:num:60.20,cost_basis:num:108360.00,value:num:455400.00,price:num:253.00,quote_date::2024-04-01
+kind::lot,symbol::AGG,lot_symbol::AGG,account::Robin Trad IRA,security_type::Stock,shares:num:1400,open_price:num:107.40,cost_basis:num:150360.00,value:num:138600.00,price:num:99.00,quote_date::2024-04-01
+kind::lot,symbol::SCHD,lot_symbol::SCHD,account::Robin Trad IRA,security_type::Stock,shares:num:600,open_price:num:53.10,cost_basis:num:31860.00,value:num:46500.00,price:num:77.50,quote_date::2024-04-01
+kind::lot,symbol::cash,lot_symbol::cash,account::Robin Trad IRA,security_type::Cash,shares:num:18500,open_price:num:1.00,cost_basis:num:18500.00,value:num:18500.00,price:num:1.00,quote_date::2024-04-01
+kind::lot,symbol::VTI,lot_symbol::VTI,account::Robin Roth,security_type::Stock,shares:num:380,open_price:num:71.50,cost_basis:num:27170.00,value:num:96140.00,price:num:253.00,quote_date::2024-04-01
+kind::lot,symbol::QQQ,lot_symbol::QQQ,account::Robin Roth,security_type::Stock,shares:num:140,open_price:num:97.30,cost_basis:num:13622.00,value:num:62300.00,price:num:445.00,quote_date::2024-04-01
+kind::lot,symbol::cash,lot_symbol::cash,account::Robin Roth,security_type::Cash,shares:num:1240,open_price:num:1.00,cost_basis:num:1240.00,value:num:1240.00,price:num:1.00,quote_date::2024-04-01
+kind::lot,symbol::VTI,lot_symbol::VTI,account::Jamie Trad IRA,security_type::Stock,shares:num:920,open_price:num:64.80,cost_basis:num:59616.00,value:num:232760.00,price:num:253.00,quote_date::2024-04-01
+kind::lot,symbol::AGG,lot_symbol::AGG,account::Jamie Trad IRA,security_type::Stock,shares:num:850,open_price:num:108.10,cost_basis:num:91885.00,value:num:84150.00,price:num:99.00,quote_date::2024-04-01
+kind::lot,symbol::cash,lot_symbol::cash,account::Jamie Trad IRA,security_type::Cash,shares:num:9800,open_price:num:1.00,cost_basis:num:9800.00,value:num:9800.00,price:num:1.00,quote_date::2024-04-01
+kind::lot,symbol::SPY,lot_symbol::SPY,account::Jamie Roth,security_type::Stock,shares:num:200,open_price:num:152.20,cost_basis:num:30440.00,value:num:104000.00,price:num:520.00,quote_date::2024-04-01
+kind::lot,symbol::SCHD,lot_symbol::SCHD,account::Jamie Roth,security_type::Stock,shares:num:280,open_price:num:55.40,cost_basis:num:15512.00,value:num:21700.00,price:num:77.50,quote_date::2024-04-01
+kind::lot,symbol::cash,lot_symbol::cash,account::Jamie Roth,security_type::Cash,shares:num:715,open_price:num:1.00,cost_basis:num:715.00,value:num:715.00,price:num:1.00,quote_date::2024-04-01
+kind::lot,symbol::SPY,lot_symbol::SPY,account::Joint taxable,security_type::Stock,shares:num:240,open_price:num:198.40,cost_basis:num:47616.00,value:num:124800.00,price:num:520.00,quote_date::2024-04-01
+kind::lot,symbol::AGG,lot_symbol::AGG,account::Joint taxable,security_type::Stock,shares:num:600,open_price:num:106.90,cost_basis:num:64140.00,value:num:59400.00,price:num:99.00,quote_date::2024-04-01
+kind::lot,symbol::cash,lot_symbol::cash,account::Joint taxable,security_type::Cash,shares:num:62000,open_price:num:1.00,cost_basis:num:62000.00,value:num:62000.00,price:num:1.00,quote_date::2024-04-01
+kind::lot,symbol::VTI,lot_symbol::VTI,account::Family HSA,security_type::Stock,shares:num:140,open_price:num:108.30,cost_basis:num:15162.00,value:num:35420.00,price:num:253.00,quote_date::2024-04-01
+kind::lot,symbol::cash,lot_symbol::cash,account::Family HSA,security_type::Cash,shares:num:4200,open_price:num:1.00,cost_basis:num:4200.00,value:num:4200.00,price:num:1.00,quote_date::2024-04-01
diff --git a/examples/post-retirement/history/2024-10-01-portfolio.srf b/examples/post-retirement/history/2024-10-01-portfolio.srf
new file mode 100644
index 0000000..7f779b6
--- /dev/null
+++ b/examples/post-retirement/history/2024-10-01-portfolio.srf
@@ -0,0 +1,16 @@
+#!srfv1
+# Synthetic snapshot — see 2024-04-01-portfolio.srf for the framing.
+kind::meta,snapshot_version:num:1,as_of_date::2024-10-01,captured_at:num:1727740800,zfin_version::example,stale_count:num:0
+kind::total,scope::net_worth,value:num:2470000.00
+kind::total,scope::liquid,value:num:2470000.00
+kind::total,scope::illiquid,value:num:0
+kind::tax_type,label::Traditional (Pre-Tax),value:num:1520000.00
+kind::tax_type,label::Roth (Post-Tax),value:num:505000.00
+kind::tax_type,label::Taxable,value:num:402000.00
+kind::tax_type,label::HSA (Triple Tax-Free),value:num:43000.00
+kind::account,name::Robin Trad IRA,value:num:1030000.00
+kind::account,name::Jamie Trad IRA,value:num:490000.00
+kind::account,name::Robin Roth,value:num:295000.00
+kind::account,name::Jamie Roth,value:num:210000.00
+kind::account,name::Joint taxable,value:num:402000.00
+kind::account,name::Family HSA,value:num:43000.00
diff --git a/examples/post-retirement/history/2025-04-01-portfolio.srf b/examples/post-retirement/history/2025-04-01-portfolio.srf
new file mode 100644
index 0000000..2b3f94e
--- /dev/null
+++ b/examples/post-retirement/history/2025-04-01-portfolio.srf
@@ -0,0 +1,16 @@
+#!srfv1
+# Synthetic snapshot — see 2024-04-01-portfolio.srf for the framing.
+kind::meta,snapshot_version:num:1,as_of_date::2025-04-01,captured_at:num:1743465600,zfin_version::example,stale_count:num:0
+kind::total,scope::net_worth,value:num:2580000.00
+kind::total,scope::liquid,value:num:2580000.00
+kind::total,scope::illiquid,value:num:0
+kind::tax_type,label::Traditional (Pre-Tax),value:num:1590000.00
+kind::tax_type,label::Roth (Post-Tax),value:num:528000.00
+kind::tax_type,label::Taxable,value:num:418000.00
+kind::tax_type,label::HSA (Triple Tax-Free),value:num:44000.00
+kind::account,name::Robin Trad IRA,value:num:1075000.00
+kind::account,name::Jamie Trad IRA,value:num:515000.00
+kind::account,name::Robin Roth,value:num:308000.00
+kind::account,name::Jamie Roth,value:num:220000.00
+kind::account,name::Joint taxable,value:num:418000.00
+kind::account,name::Family HSA,value:num:44000.00
diff --git a/examples/post-retirement/history/imported_values.srf b/examples/post-retirement/history/imported_values.srf
new file mode 100644
index 0000000..b543837
--- /dev/null
+++ b/examples/post-retirement/history/imported_values.srf
@@ -0,0 +1,441 @@
+#!srfv1
+# Synthetic imported_values for the projection-overlay demo.
+# One row per week, 2016-01-03 through 2024-03-31, geometric
+# growth from $1.5M to $2.35M with light noise. The post-
+# retirement household had a longer accumulation history before
+# the household-wide retirement on 2023-12-31; the overlay shows
+# how the trajectory looked relative to projections from any
+# past as-of date.
+#
+# All numbers fictional.
+date::2016-01-03,liquid:num:1506274.21
+date::2016-01-10,liquid:num:1480170.08
+date::2016-01-17,liquid:num:1492990.64
+date::2016-01-24,liquid:num:1492211.09
+date::2016-01-31,liquid:num:1516963.26
+date::2016-02-07,liquid:num:1515844.10
+date::2016-02-14,liquid:num:1527185.11
+date::2016-02-21,liquid:num:1492278.80
+date::2016-02-28,liquid:num:1509038.33
+date::2016-03-06,liquid:num:1492802.49
+date::2016-03-13,liquid:num:1502948.92
+date::2016-03-20,liquid:num:1517570.24
+date::2016-03-27,liquid:num:1497336.99
+date::2016-04-03,liquid:num:1506760.66
+date::2016-04-10,liquid:num:1528930.61
+date::2016-04-17,liquid:num:1525730.79
+date::2016-04-24,liquid:num:1512476.06
+date::2016-05-01,liquid:num:1530950.36
+date::2016-05-08,liquid:num:1542644.98
+date::2016-05-15,liquid:num:1507400.61
+date::2016-05-22,liquid:num:1545703.68
+date::2016-05-29,liquid:num:1542365.33
+date::2016-06-05,liquid:num:1527497.31
+date::2016-06-12,liquid:num:1520576.18
+date::2016-06-19,liquid:num:1559158.06
+date::2016-06-26,liquid:num:1532120.38
+date::2016-07-03,liquid:num:1522445.71
+date::2016-07-10,liquid:num:1524219.86
+date::2016-07-17,liquid:num:1560599.35
+date::2016-07-24,liquid:num:1550922.78
+date::2016-07-31,liquid:num:1561987.23
+date::2016-08-07,liquid:num:1560021.49
+date::2016-08-14,liquid:num:1552647.61
+date::2016-08-21,liquid:num:1574618.65
+date::2016-08-28,liquid:num:1548540.50
+date::2016-09-04,liquid:num:1558256.50
+date::2016-09-11,liquid:num:1572843.72
+date::2016-09-18,liquid:num:1564623.15
+date::2016-09-25,liquid:num:1577643.90
+date::2016-10-02,liquid:num:1565964.18
+date::2016-10-09,liquid:num:1573569.05
+date::2016-10-16,liquid:num:1544272.68
+date::2016-10-23,liquid:num:1554446.46
+date::2016-10-30,liquid:num:1558964.35
+date::2016-11-06,liquid:num:1550717.65
+date::2016-11-13,liquid:num:1559553.71
+date::2016-11-20,liquid:num:1554960.54
+date::2016-11-27,liquid:num:1564949.16
+date::2016-12-04,liquid:num:1583508.18
+date::2016-12-11,liquid:num:1572334.21
+date::2016-12-18,liquid:num:1574230.29
+date::2016-12-25,liquid:num:1568249.00
+date::2017-01-01,liquid:num:1572617.69
+date::2017-01-08,liquid:num:1606110.49
+date::2017-01-15,liquid:num:1594047.11
+date::2017-01-22,liquid:num:1593858.10
+date::2017-01-29,liquid:num:1574626.68
+date::2017-02-05,liquid:num:1602920.70
+date::2017-02-12,liquid:num:1577548.29
+date::2017-02-19,liquid:num:1589536.34
+date::2017-02-26,liquid:num:1620424.63
+date::2017-03-05,liquid:num:1605354.48
+date::2017-03-12,liquid:num:1603044.29
+date::2017-03-19,liquid:num:1610854.34
+date::2017-03-26,liquid:num:1620149.82
+date::2017-04-02,liquid:num:1618622.67
+date::2017-04-09,liquid:num:1593944.83
+date::2017-04-16,liquid:num:1586105.08
+date::2017-04-23,liquid:num:1601451.00
+date::2017-04-30,liquid:num:1600816.47
+date::2017-05-07,liquid:num:1599740.94
+date::2017-05-14,liquid:num:1636883.10
+date::2017-05-21,liquid:num:1635364.85
+date::2017-05-28,liquid:num:1609795.36
+date::2017-06-04,liquid:num:1628042.92
+date::2017-06-11,liquid:num:1617100.00
+date::2017-06-18,liquid:num:1644068.86
+date::2017-06-25,liquid:num:1623563.32
+date::2017-07-02,liquid:num:1615790.00
+date::2017-07-09,liquid:num:1616585.89
+date::2017-07-16,liquid:num:1633671.74
+date::2017-07-23,liquid:num:1620754.20
+date::2017-07-30,liquid:num:1638224.83
+date::2017-08-06,liquid:num:1655307.80
+date::2017-08-13,liquid:num:1632552.05
+date::2017-08-20,liquid:num:1625401.81
+date::2017-08-27,liquid:num:1665409.40
+date::2017-09-03,liquid:num:1643100.44
+date::2017-09-10,liquid:num:1624166.31
+date::2017-09-17,liquid:num:1623700.35
+date::2017-09-24,liquid:num:1628487.71
+date::2017-10-01,liquid:num:1655812.12
+date::2017-10-08,liquid:num:1665697.22
+date::2017-10-15,liquid:num:1649093.45
+date::2017-10-22,liquid:num:1633013.47
+date::2017-10-29,liquid:num:1650526.03
+date::2017-11-05,liquid:num:1682818.09
+date::2017-11-12,liquid:num:1661320.84
+date::2017-11-19,liquid:num:1685087.37
+date::2017-11-26,liquid:num:1681343.71
+date::2017-12-03,liquid:num:1640675.61
+date::2017-12-10,liquid:num:1677854.74
+date::2017-12-17,liquid:num:1677654.66
+date::2017-12-24,liquid:num:1672154.38
+date::2017-12-31,liquid:num:1660350.28
+date::2018-01-07,liquid:num:1680871.53
+date::2018-01-14,liquid:num:1656015.95
+date::2018-01-21,liquid:num:1674009.54
+date::2018-01-28,liquid:num:1676713.19
+date::2018-02-04,liquid:num:1703681.34
+date::2018-02-11,liquid:num:1701525.72
+date::2018-02-18,liquid:num:1672355.76
+date::2018-02-25,liquid:num:1686100.66
+date::2018-03-04,liquid:num:1671560.86
+date::2018-03-11,liquid:num:1710510.67
+date::2018-03-18,liquid:num:1710160.84
+date::2018-03-25,liquid:num:1682889.49
+date::2018-04-01,liquid:num:1701961.06
+date::2018-04-08,liquid:num:1702213.01
+date::2018-04-15,liquid:num:1680749.85
+date::2018-04-22,liquid:num:1713602.74
+date::2018-04-29,liquid:num:1703999.76
+date::2018-05-06,liquid:num:1718008.44
+date::2018-05-13,liquid:num:1707099.87
+date::2018-05-20,liquid:num:1681747.79
+date::2018-05-27,liquid:num:1700095.81
+date::2018-06-03,liquid:num:1686233.51
+date::2018-06-10,liquid:num:1734731.84
+date::2018-06-17,liquid:num:1733952.88
+date::2018-06-24,liquid:num:1733341.36
+date::2018-07-01,liquid:num:1708136.36
+date::2018-07-08,liquid:num:1697043.03
+date::2018-07-15,liquid:num:1741172.70
+date::2018-07-22,liquid:num:1746555.99
+date::2018-07-29,liquid:num:1703802.00
+date::2018-08-05,liquid:num:1726323.88
+date::2018-08-12,liquid:num:1706510.78
+date::2018-08-19,liquid:num:1744190.23
+date::2018-08-26,liquid:num:1746284.18
+date::2018-09-02,liquid:num:1714943.29
+date::2018-09-09,liquid:num:1734801.75
+date::2018-09-16,liquid:num:1740499.27
+date::2018-09-23,liquid:num:1727456.04
+date::2018-09-30,liquid:num:1760993.60
+date::2018-10-07,liquid:num:1739334.74
+date::2018-10-14,liquid:num:1730086.92
+date::2018-10-21,liquid:num:1749058.35
+date::2018-10-28,liquid:num:1760887.05
+date::2018-11-04,liquid:num:1734955.23
+date::2018-11-11,liquid:num:1742580.49
+date::2018-11-18,liquid:num:1780369.42
+date::2018-11-25,liquid:num:1764038.85
+date::2018-12-02,liquid:num:1754712.57
+date::2018-12-09,liquid:num:1760741.45
+date::2018-12-16,liquid:num:1741622.11
+date::2018-12-23,liquid:num:1748927.30
+date::2018-12-30,liquid:num:1756759.30
+date::2019-01-06,liquid:num:1771860.10
+date::2019-01-13,liquid:num:1754701.40
+date::2019-01-20,liquid:num:1756008.58
+date::2019-01-27,liquid:num:1749906.94
+date::2019-02-03,liquid:num:1781553.61
+date::2019-02-10,liquid:num:1761982.34
+date::2019-02-17,liquid:num:1799912.03
+date::2019-02-24,liquid:num:1799347.16
+date::2019-03-03,liquid:num:1759058.69
+date::2019-03-10,liquid:num:1769841.27
+date::2019-03-17,liquid:num:1794778.06
+date::2019-03-24,liquid:num:1772266.19
+date::2019-03-31,liquid:num:1769719.49
+date::2019-04-07,liquid:num:1814732.12
+date::2019-04-14,liquid:num:1797020.74
+date::2019-04-21,liquid:num:1793600.39
+date::2019-04-28,liquid:num:1812290.66
+date::2019-05-05,liquid:num:1815418.39
+date::2019-05-12,liquid:num:1783979.07
+date::2019-05-19,liquid:num:1780787.53
+date::2019-05-26,liquid:num:1800735.05
+date::2019-06-02,liquid:num:1802211.18
+date::2019-06-09,liquid:num:1806450.62
+date::2019-06-16,liquid:num:1822568.06
+date::2019-06-23,liquid:num:1821443.44
+date::2019-06-30,liquid:num:1840259.10
+date::2019-07-07,liquid:num:1793931.08
+date::2019-07-14,liquid:num:1812393.60
+date::2019-07-21,liquid:num:1810830.41
+date::2019-07-28,liquid:num:1841266.99
+date::2019-08-04,liquid:num:1809657.08
+date::2019-08-11,liquid:num:1808346.93
+date::2019-08-18,liquid:num:1824400.81
+date::2019-08-25,liquid:num:1824839.72
+date::2019-09-01,liquid:num:1818872.35
+date::2019-09-08,liquid:num:1819192.07
+date::2019-09-15,liquid:num:1858163.62
+date::2019-09-22,liquid:num:1833647.60
+date::2019-09-29,liquid:num:1858632.40
+date::2019-10-06,liquid:num:1843399.65
+date::2019-10-13,liquid:num:1817701.68
+date::2019-10-20,liquid:num:1872095.57
+date::2019-10-27,liquid:num:1865008.20
+date::2019-11-03,liquid:num:1874329.49
+date::2019-11-10,liquid:num:1873921.19
+date::2019-11-17,liquid:num:1871562.87
+date::2019-11-24,liquid:num:1835561.20
+date::2019-12-01,liquid:num:1855259.51
+date::2019-12-08,liquid:num:1842042.20
+date::2019-12-15,liquid:num:1854417.03
+date::2019-12-22,liquid:num:1837228.66
+date::2019-12-29,liquid:num:1857059.48
+date::2020-01-05,liquid:num:1892937.95
+date::2020-01-12,liquid:num:1854566.61
+date::2020-01-19,liquid:num:1885607.31
+date::2020-01-26,liquid:num:1869100.59
+date::2020-02-02,liquid:num:1869254.39
+date::2020-02-09,liquid:num:1901270.63
+date::2020-02-16,liquid:num:1905402.99
+date::2020-02-23,liquid:num:1882604.03
+date::2020-03-01,liquid:num:1893750.46
+date::2020-03-08,liquid:num:1863883.73
+date::2020-03-15,liquid:num:1873857.35
+date::2020-03-22,liquid:num:1913863.37
+date::2020-03-29,liquid:num:1893784.55
+date::2020-04-05,liquid:num:1893664.36
+date::2020-04-12,liquid:num:1907330.29
+date::2020-04-19,liquid:num:1870045.52
+date::2020-04-26,liquid:num:1901994.49
+date::2020-05-03,liquid:num:1899347.68
+date::2020-05-10,liquid:num:1921286.60
+date::2020-05-17,liquid:num:1883596.42
+date::2020-05-24,liquid:num:1931478.74
+date::2020-05-31,liquid:num:1883109.89
+date::2020-06-07,liquid:num:1891131.62
+date::2020-06-14,liquid:num:1916568.62
+date::2020-06-21,liquid:num:1923172.36
+date::2020-06-28,liquid:num:1899901.32
+date::2020-07-05,liquid:num:1895253.69
+date::2020-07-12,liquid:num:1941588.20
+date::2020-07-19,liquid:num:1906496.17
+date::2020-07-26,liquid:num:1928582.73
+date::2020-08-02,liquid:num:1932033.26
+date::2020-08-09,liquid:num:1922479.54
+date::2020-08-16,liquid:num:1934005.17
+date::2020-08-23,liquid:num:1932497.80
+date::2020-08-30,liquid:num:1958406.38
+date::2020-09-06,liquid:num:1918045.00
+date::2020-09-13,liquid:num:1949800.65
+date::2020-09-20,liquid:num:1924057.21
+date::2020-09-27,liquid:num:1935216.38
+date::2020-10-04,liquid:num:1953323.00
+date::2020-10-11,liquid:num:1933671.34
+date::2020-10-18,liquid:num:1936636.55
+date::2020-10-25,liquid:num:1964139.59
+date::2020-11-01,liquid:num:1926421.58
+date::2020-11-08,liquid:num:1951040.21
+date::2020-11-15,liquid:num:1984767.72
+date::2020-11-22,liquid:num:1986702.56
+date::2020-11-29,liquid:num:1934525.87
+date::2020-12-06,liquid:num:1944779.41
+date::2020-12-13,liquid:num:1949877.06
+date::2020-12-20,liquid:num:1991311.26
+date::2020-12-27,liquid:num:1990298.29
+date::2021-01-03,liquid:num:1992283.19
+date::2021-01-10,liquid:num:1964209.07
+date::2021-01-17,liquid:num:1953719.36
+date::2021-01-24,liquid:num:1995834.42
+date::2021-01-31,liquid:num:1990192.49
+date::2021-02-07,liquid:num:1986814.37
+date::2021-02-14,liquid:num:2011223.14
+date::2021-02-21,liquid:num:1993485.46
+date::2021-02-28,liquid:num:1957062.48
+date::2021-03-07,liquid:num:2007383.72
+date::2021-03-14,liquid:num:1978564.00
+date::2021-03-21,liquid:num:2002390.89
+date::2021-03-28,liquid:num:2020971.33
+date::2021-04-04,liquid:num:1974881.64
+date::2021-04-11,liquid:num:1975813.53
+date::2021-04-18,liquid:num:1977373.69
+date::2021-04-25,liquid:num:2006251.41
+date::2021-05-02,liquid:num:1991451.29
+date::2021-05-09,liquid:num:2013552.70
+date::2021-05-16,liquid:num:2022454.62
+date::2021-05-23,liquid:num:1993550.07
+date::2021-05-30,liquid:num:2021645.89
+date::2021-06-06,liquid:num:2001368.76
+date::2021-06-13,liquid:num:2017051.85
+date::2021-06-20,liquid:num:2044415.42
+date::2021-06-27,liquid:num:2042958.06
+date::2021-07-04,liquid:num:1999319.39
+date::2021-07-11,liquid:num:2021544.84
+date::2021-07-18,liquid:num:2014718.10
+date::2021-07-25,liquid:num:2000185.32
+date::2021-08-01,liquid:num:2049078.62
+date::2021-08-08,liquid:num:2043039.39
+date::2021-08-15,liquid:num:2022249.97
+date::2021-08-22,liquid:num:2053678.63
+date::2021-08-29,liquid:num:2044217.45
+date::2021-09-05,liquid:num:2038752.62
+date::2021-09-12,liquid:num:2015232.97
+date::2021-09-19,liquid:num:2021365.92
+date::2021-09-26,liquid:num:2073151.20
+date::2021-10-03,liquid:num:2076598.49
+date::2021-10-10,liquid:num:2056688.24
+date::2021-10-17,liquid:num:2076662.71
+date::2021-10-24,liquid:num:2063266.96
+date::2021-10-31,liquid:num:2038571.19
+date::2021-11-07,liquid:num:2039423.11
+date::2021-11-14,liquid:num:2052752.87
+date::2021-11-21,liquid:num:2091524.16
+date::2021-11-28,liquid:num:2087324.69
+date::2021-12-05,liquid:num:2093517.72
+date::2021-12-12,liquid:num:2098081.98
+date::2021-12-19,liquid:num:2057383.88
+date::2021-12-26,liquid:num:2061992.10
+date::2022-01-02,liquid:num:2054990.75
+date::2022-01-09,liquid:num:2099441.91
+date::2022-01-16,liquid:num:2108138.63
+date::2022-01-23,liquid:num:2080438.49
+date::2022-01-30,liquid:num:2096037.58
+date::2022-02-06,liquid:num:2068992.93
+date::2022-02-13,liquid:num:2119833.41
+date::2022-02-20,liquid:num:2117945.21
+date::2022-02-27,liquid:num:2127179.16
+date::2022-03-06,liquid:num:2118981.81
+date::2022-03-13,liquid:num:2125649.33
+date::2022-03-20,liquid:num:2073804.56
+date::2022-03-27,liquid:num:2120940.92
+date::2022-04-03,liquid:num:2097581.19
+date::2022-04-10,liquid:num:2137672.79
+date::2022-04-17,liquid:num:2131756.64
+date::2022-04-24,liquid:num:2137906.20
+date::2022-05-01,liquid:num:2136753.44
+date::2022-05-08,liquid:num:2104403.29
+date::2022-05-15,liquid:num:2139732.30
+date::2022-05-22,liquid:num:2098690.79
+date::2022-05-29,liquid:num:2149612.76
+date::2022-06-05,liquid:num:2150991.71
+date::2022-06-12,liquid:num:2112581.95
+date::2022-06-19,liquid:num:2152800.54
+date::2022-06-26,liquid:num:2132231.85
+date::2022-07-03,liquid:num:2124514.94
+date::2022-07-10,liquid:num:2158190.94
+date::2022-07-17,liquid:num:2123970.82
+date::2022-07-24,liquid:num:2113074.49
+date::2022-07-31,liquid:num:2126191.75
+date::2022-08-07,liquid:num:2137121.49
+date::2022-08-14,liquid:num:2173938.80
+date::2022-08-21,liquid:num:2182831.55
+date::2022-08-28,liquid:num:2140649.30
+date::2022-09-04,liquid:num:2166335.51
+date::2022-09-11,liquid:num:2152933.75
+date::2022-09-18,liquid:num:2192891.54
+date::2022-09-25,liquid:num:2166297.87
+date::2022-10-02,liquid:num:2194751.65
+date::2022-10-09,liquid:num:2143446.55
+date::2022-10-16,liquid:num:2201368.82
+date::2022-10-23,liquid:num:2152048.75
+date::2022-10-30,liquid:num:2205457.05
+date::2022-11-06,liquid:num:2162223.99
+date::2022-11-13,liquid:num:2154211.56
+date::2022-11-20,liquid:num:2177813.35
+date::2022-11-27,liquid:num:2199353.30
+date::2022-12-04,liquid:num:2174435.56
+date::2022-12-11,liquid:num:2195917.05
+date::2022-12-18,liquid:num:2191980.02
+date::2022-12-25,liquid:num:2185963.32
+date::2023-01-01,liquid:num:2200854.66
+date::2023-01-08,liquid:num:2181928.89
+date::2023-01-15,liquid:num:2214181.76
+date::2023-01-22,liquid:num:2169769.29
+date::2023-01-29,liquid:num:2233150.75
+date::2023-02-05,liquid:num:2209848.60
+date::2023-02-12,liquid:num:2224153.76
+date::2023-02-19,liquid:num:2227971.52
+date::2023-02-26,liquid:num:2225561.23
+date::2023-03-05,liquid:num:2207511.18
+date::2023-03-12,liquid:num:2190230.39
+date::2023-03-19,liquid:num:2232117.23
+date::2023-03-26,liquid:num:2212167.02
+date::2023-04-02,liquid:num:2213390.50
+date::2023-04-09,liquid:num:2251404.12
+date::2023-04-16,liquid:num:2245173.51
+date::2023-04-23,liquid:num:2219423.64
+date::2023-04-30,liquid:num:2222343.04
+date::2023-05-07,liquid:num:2231317.08
+date::2023-05-14,liquid:num:2233245.28
+date::2023-05-21,liquid:num:2228398.03
+date::2023-05-28,liquid:num:2219388.90
+date::2023-06-04,liquid:num:2241467.63
+date::2023-06-11,liquid:num:2278890.69
+date::2023-06-18,liquid:num:2263503.62
+date::2023-06-25,liquid:num:2281114.76
+date::2023-07-02,liquid:num:2264051.81
+date::2023-07-09,liquid:num:2245102.67
+date::2023-07-16,liquid:num:2264200.71
+date::2023-07-23,liquid:num:2229388.93
+date::2023-07-30,liquid:num:2251191.79
+date::2023-08-06,liquid:num:2263271.58
+date::2023-08-13,liquid:num:2275859.26
+date::2023-08-20,liquid:num:2283331.39
+date::2023-08-27,liquid:num:2272767.48
+date::2023-09-03,liquid:num:2273581.88
+date::2023-09-10,liquid:num:2260330.94
+date::2023-09-17,liquid:num:2280458.73
+date::2023-09-24,liquid:num:2312175.85
+date::2023-10-01,liquid:num:2307376.22
+date::2023-10-08,liquid:num:2266767.69
+date::2023-10-15,liquid:num:2263298.54
+date::2023-10-22,liquid:num:2295303.70
+date::2023-10-29,liquid:num:2305796.28
+date::2023-11-05,liquid:num:2287668.64
+date::2023-11-12,liquid:num:2323422.44
+date::2023-11-19,liquid:num:2321199.08
+date::2023-11-26,liquid:num:2318203.53
+date::2023-12-03,liquid:num:2289586.07
+date::2023-12-10,liquid:num:2290209.09
+date::2023-12-17,liquid:num:2280476.20
+date::2023-12-24,liquid:num:2298172.34
+date::2023-12-31,liquid:num:2316589.88
+date::2024-01-07,liquid:num:2345090.41
+date::2024-01-14,liquid:num:2293393.46
+date::2024-01-21,liquid:num:2319622.73
+date::2024-01-28,liquid:num:2337084.24
+date::2024-02-04,liquid:num:2309090.09
+date::2024-02-11,liquid:num:2346629.82
+date::2024-02-18,liquid:num:2334930.69
+date::2024-02-25,liquid:num:2319809.02
+date::2024-03-03,liquid:num:2351162.44
+date::2024-03-10,liquid:num:2307900.75
+date::2024-03-17,liquid:num:2362754.08
+date::2024-03-24,liquid:num:2366566.10
+date::2024-03-31,liquid:num:2322264.40
diff --git a/examples/post-retirement/portfolio.srf b/examples/post-retirement/portfolio.srf
new file mode 100644
index 0000000..b7baabd
--- /dev/null
+++ b/examples/post-retirement/portfolio.srf
@@ -0,0 +1,35 @@
+#!srfv1
+# Example portfolio: post-retirement household, ~age 68, ~$2.5M total.
+# All names, share counts, and prices are fictional. The household is
+# already retired and drawing down — see projections.srf for the
+# distribution-only configuration (no accumulation).
+
+# Robin's Traditional IRA — primary drawdown source
+symbol::VTI,shares:num:1800,open_date::2010-08-15,open_price:num:60.20,account::Robin Trad IRA
+symbol::AGG,shares:num:1400,open_date::2015-03-22,open_price:num:107.40,account::Robin Trad IRA
+symbol::SCHD,shares:num:600,open_date::2018-04-30,open_price:num:53.10,account::Robin Trad IRA
+security_type::cash,shares:num:18500.00,open_date::2026-04-30,open_price:num:1.00,account::Robin Trad IRA
+
+# Robin's Roth IRA — preserved for late-life / heirs
+symbol::VTI,shares:num:380,open_date::2012-11-08,open_price:num:71.50,account::Robin Roth
+symbol::QQQ,shares:num:140,open_date::2014-06-12,open_price:num:97.30,account::Robin Roth
+security_type::cash,shares:num:1240.00,open_date::2026-04-30,open_price:num:1.00,account::Robin Roth
+
+# Jamie's Traditional IRA
+symbol::VTI,shares:num:920,open_date::2011-05-18,open_price:num:64.80,account::Jamie Trad IRA
+symbol::AGG,shares:num:850,open_date::2016-09-04,open_price:num:108.10,account::Jamie Trad IRA
+security_type::cash,shares:num:9800.00,open_date::2026-04-30,open_price:num:1.00,account::Jamie Trad IRA
+
+# Jamie's Roth IRA
+symbol::SPY,shares:num:200,open_date::2013-02-14,open_price:num:152.20,account::Jamie Roth
+symbol::SCHD,shares:num:280,open_date::2020-08-25,open_price:num:55.40,account::Jamie Roth
+security_type::cash,shares:num:715.00,open_date::2026-04-30,open_price:num:1.00,account::Jamie Roth
+
+# Joint taxable — bridge income, RMD overflow
+symbol::SPY,shares:num:240,open_date::2014-09-30,open_price:num:198.40,account::Joint taxable
+symbol::AGG,shares:num:600,open_date::2017-11-15,open_price:num:106.90,account::Joint taxable
+security_type::cash,shares:num:62000.00,open_date::2026-04-30,open_price:num:1.00,account::Joint taxable
+
+# Family HSA — still tax-advantaged, used for late-life medical
+symbol::VTI,shares:num:140,open_date::2016-06-22,open_price:num:108.30,account::Family HSA
+security_type::cash,shares:num:4200.00,open_date::2026-04-30,open_price:num:1.00,account::Family HSA
diff --git a/examples/post-retirement/projections.srf b/examples/post-retirement/projections.srf
new file mode 100644
index 0000000..a63ebc2
--- /dev/null
+++ b/examples/post-retirement/projections.srf
@@ -0,0 +1,32 @@
+#!srfv1
+# Post-retirement projection configuration.
+#
+# Robin (born 1958) and Jamie (born 1961) are already retired. They
+# draw down ~$120k/yr in spending, supplemented by Social Security
+# already in pay status.
+#
+# This file demonstrates the distribution-only mode — no accumulation
+# fields are set, no target_spending is set. The "Years until possible
+# retirement: none" line will appear in the accumulation block to
+# confirm the model isn't projecting any pre-retirement growth.
+
+# Allocation target shifts more conservative in retirement
+type::config,target_stock_pct:num:60
+
+# Distribution horizons — through age 90 (older partner first)
+type::config,horizon:num:20
+type::config,horizon:num:30
+type::config,horizon_age:num:95
+
+# Birthdates
+type::birthdate,date::1958-02-19
+type::birthdate,date::1961-07-04,person:num:2
+
+# Social Security — both already collecting
+type::event,name::Social Security (Robin),start_age:num:67,person:num:1,amount:num:34800
+type::event,name::Social Security (Jamie),start_age:num:65,person:num:2,amount:num:28200
+
+# Late-life healthcare bump — modeled as a recurring expense starting
+# at age 80 for the older partner. Real-world planning would also
+# include LTC insurance / Medicaid considerations.
+type::event,name::Healthcare (late-life),start_age:num:80,person:num:1,amount:num:-25000
diff --git a/examples/pre-retirement-age/accounts.srf b/examples/pre-retirement-age/accounts.srf
new file mode 100644
index 0000000..65ac972
--- /dev/null
+++ b/examples/pre-retirement-age/accounts.srf
@@ -0,0 +1,11 @@
+#!srfv1
+# Account tax type classification for the pre-retirement example.
+# tax_type values: taxable, roth, traditional, hsa
+
+account::Pat 401k,tax_type::traditional,institution::fidelity,account_number::P401
+account::Pat Roth,tax_type::roth,institution::fidelity,account_number::PROTH
+account::Sam 401k,tax_type::traditional,institution::vanguard,account_number::S401
+account::Sam Roth,tax_type::roth,institution::vanguard,account_number::SROTH
+account::Joint taxable,tax_type::taxable,institution::schwab,account_number::JT01
+account::Family HSA,tax_type::hsa,institution::fidelity,account_number::HSA01
+account::Kids 529,tax_type::taxable,institution::vanguard,account_number::C529
diff --git a/examples/pre-retirement-age/portfolio.srf b/examples/pre-retirement-age/portfolio.srf
new file mode 100644
index 0000000..4045d3a
--- /dev/null
+++ b/examples/pre-retirement-age/portfolio.srf
@@ -0,0 +1,39 @@
+#!srfv1
+# Example portfolio: pre-retirement household, ~age 45, ~$1.3M total.
+# All names, share counts, and prices are fictional. The household is
+# still actively contributing to retirement accounts and plans to
+# retire around age 65 — see projections.srf for the configuration.
+
+# Pat's 401(k) — traditional (pre-tax)
+symbol::VTI,shares:num:1100,open_date::2018-06-15,open_price:num:140.00,account::Pat 401k
+symbol::AGG,shares:num:600,open_date::2020-01-10,open_price:num:115.50,account::Pat 401k
+symbol::SCHD,shares:num:450,open_date::2022-03-18,open_price:num:74.20,account::Pat 401k
+security_type::cash,shares:num:1234.56,open_date::2026-04-30,open_price:num:1.00,account::Pat 401k
+
+# Pat's Roth IRA
+symbol::VTI,shares:num:240,open_date::2015-01-08,open_price:num:103.40,account::Pat Roth
+symbol::QQQ,shares:num:65,open_date::2019-11-22,open_price:num:200.10,account::Pat Roth
+security_type::cash,shares:num:412.85,open_date::2026-04-30,open_price:num:1.00,account::Pat Roth
+
+# Sam's 401(k) — traditional
+symbol::VTI,shares:num:780,open_date::2017-08-20,open_price:num:130.20,account::Sam 401k
+symbol::AGG,shares:num:380,open_date::2021-02-15,open_price:num:114.80,account::Sam 401k
+security_type::cash,shares:num:842.10,open_date::2026-04-30,open_price:num:1.00,account::Sam 401k
+
+# Sam's Roth IRA
+symbol::SPY,shares:num:120,open_date::2016-04-12,open_price:num:200.50,account::Sam Roth
+symbol::SCHD,shares:num:180,open_date::2023-05-10,open_price:num:73.80,account::Sam Roth
+security_type::cash,shares:num:225.00,open_date::2026-04-30,open_price:num:1.00,account::Sam Roth
+
+# Joint taxable brokerage — emergency fund + bridge savings
+symbol::SPY,shares:num:200,open_date::2020-09-01,open_price:num:330.00,account::Joint taxable
+symbol::VTI,shares:num:150,open_date::2022-10-04,open_price:num:188.00,account::Joint taxable
+security_type::cash,shares:num:48000.00,open_date::2026-04-30,open_price:num:1.00,account::Joint taxable
+
+# Family HSA — used as a stealth retirement account
+symbol::VTI,shares:num:90,open_date::2021-07-19,open_price:num:212.40,account::Family HSA
+security_type::cash,shares:num:1500.00,open_date::2026-04-30,open_price:num:1.00,account::Family HSA
+
+# 529 for the kids — earmarked, but counted in the household balance sheet
+symbol::VTI,shares:num:120,open_date::2017-09-05,open_price:num:128.50,account::Kids 529
+security_type::cash,shares:num:850.00,open_date::2026-04-30,open_price:num:1.00,account::Kids 529
diff --git a/examples/pre-retirement-age/projections.srf b/examples/pre-retirement-age/projections.srf
new file mode 100644
index 0000000..b951af5
--- /dev/null
+++ b/examples/pre-retirement-age/projections.srf
@@ -0,0 +1,38 @@
+#!srfv1
+# Pre-retirement projection: target retirement date only.
+#
+# Pat (born 1981) and Sam (born 1983) plan to retire at age 65.
+# Combined annual contribution: $80k/yr (CPI-adjusted).
+#
+# This file exercises the target-retirement-date input — the user
+# has anchored a date (`retirement_age:num:65`) but no target
+# spending. The projections command renders the Accumulation phase
+# block (median portfolio at retirement, p10-p90 range) and the
+# standard Safe Withdrawal table, but no Earliest retirement grid.
+
+# Asset allocation target (80% stocks / 20% bonds — typical pre-retirement)
+type::config,target_stock_pct:num:80
+
+# Distribution-phase horizons to simulate
+type::config,horizon:num:25
+type::config,horizon:num:35
+# Plan through age 95 — the older partner's first-to-hit-95 sets the floor
+type::config,horizon_age:num:95
+
+# Target retirement date: oldest partner (Pat) reaches 65 in 2046
+type::config,retirement_age:num:65
+
+# Annual household contribution to retirement accounts
+type::config,annual_contribution:num:80000
+type::config,contribution_inflation_adjusted:bool:true
+
+# Birthdates (drives both retirement_age resolution and life-event ages)
+type::birthdate,date::1981-04-12
+type::birthdate,date::1983-09-08,person:num:2
+
+# Social Security at age 70 (more conservative claim age)
+type::event,name::Social Security (Pat),start_age:num:70,person:num:1,amount:num:38400
+type::event,name::Social Security (Sam),start_age:num:70,person:num:2,amount:num:36000
+
+# College tuition for the kids — 4-year overlap when Pat is age 50-53
+type::event,name::College Tuition,start_age:num:50,person:num:1,duration:num:4,amount:num:-55000
diff --git a/examples/pre-retirement-both/accounts.srf b/examples/pre-retirement-both/accounts.srf
new file mode 100644
index 0000000..65ac972
--- /dev/null
+++ b/examples/pre-retirement-both/accounts.srf
@@ -0,0 +1,11 @@
+#!srfv1
+# Account tax type classification for the pre-retirement example.
+# tax_type values: taxable, roth, traditional, hsa
+
+account::Pat 401k,tax_type::traditional,institution::fidelity,account_number::P401
+account::Pat Roth,tax_type::roth,institution::fidelity,account_number::PROTH
+account::Sam 401k,tax_type::traditional,institution::vanguard,account_number::S401
+account::Sam Roth,tax_type::roth,institution::vanguard,account_number::SROTH
+account::Joint taxable,tax_type::taxable,institution::schwab,account_number::JT01
+account::Family HSA,tax_type::hsa,institution::fidelity,account_number::HSA01
+account::Kids 529,tax_type::taxable,institution::vanguard,account_number::C529
diff --git a/examples/pre-retirement-both/portfolio.srf b/examples/pre-retirement-both/portfolio.srf
new file mode 100644
index 0000000..4045d3a
--- /dev/null
+++ b/examples/pre-retirement-both/portfolio.srf
@@ -0,0 +1,39 @@
+#!srfv1
+# Example portfolio: pre-retirement household, ~age 45, ~$1.3M total.
+# All names, share counts, and prices are fictional. The household is
+# still actively contributing to retirement accounts and plans to
+# retire around age 65 — see projections.srf for the configuration.
+
+# Pat's 401(k) — traditional (pre-tax)
+symbol::VTI,shares:num:1100,open_date::2018-06-15,open_price:num:140.00,account::Pat 401k
+symbol::AGG,shares:num:600,open_date::2020-01-10,open_price:num:115.50,account::Pat 401k
+symbol::SCHD,shares:num:450,open_date::2022-03-18,open_price:num:74.20,account::Pat 401k
+security_type::cash,shares:num:1234.56,open_date::2026-04-30,open_price:num:1.00,account::Pat 401k
+
+# Pat's Roth IRA
+symbol::VTI,shares:num:240,open_date::2015-01-08,open_price:num:103.40,account::Pat Roth
+symbol::QQQ,shares:num:65,open_date::2019-11-22,open_price:num:200.10,account::Pat Roth
+security_type::cash,shares:num:412.85,open_date::2026-04-30,open_price:num:1.00,account::Pat Roth
+
+# Sam's 401(k) — traditional
+symbol::VTI,shares:num:780,open_date::2017-08-20,open_price:num:130.20,account::Sam 401k
+symbol::AGG,shares:num:380,open_date::2021-02-15,open_price:num:114.80,account::Sam 401k
+security_type::cash,shares:num:842.10,open_date::2026-04-30,open_price:num:1.00,account::Sam 401k
+
+# Sam's Roth IRA
+symbol::SPY,shares:num:120,open_date::2016-04-12,open_price:num:200.50,account::Sam Roth
+symbol::SCHD,shares:num:180,open_date::2023-05-10,open_price:num:73.80,account::Sam Roth
+security_type::cash,shares:num:225.00,open_date::2026-04-30,open_price:num:1.00,account::Sam Roth
+
+# Joint taxable brokerage — emergency fund + bridge savings
+symbol::SPY,shares:num:200,open_date::2020-09-01,open_price:num:330.00,account::Joint taxable
+symbol::VTI,shares:num:150,open_date::2022-10-04,open_price:num:188.00,account::Joint taxable
+security_type::cash,shares:num:48000.00,open_date::2026-04-30,open_price:num:1.00,account::Joint taxable
+
+# Family HSA — used as a stealth retirement account
+symbol::VTI,shares:num:90,open_date::2021-07-19,open_price:num:212.40,account::Family HSA
+security_type::cash,shares:num:1500.00,open_date::2026-04-30,open_price:num:1.00,account::Family HSA
+
+# 529 for the kids — earmarked, but counted in the household balance sheet
+symbol::VTI,shares:num:120,open_date::2017-09-05,open_price:num:128.50,account::Kids 529
+security_type::cash,shares:num:850.00,open_date::2026-04-30,open_price:num:1.00,account::Kids 529
diff --git a/examples/pre-retirement-both/projections.srf b/examples/pre-retirement-both/projections.srf
new file mode 100644
index 0000000..2ca56be
--- /dev/null
+++ b/examples/pre-retirement-both/projections.srf
@@ -0,0 +1,50 @@
+#!srfv1
+# Pre-retirement projection: both targets configured.
+#
+# Pat (born 1981) and Sam (born 1983) plan to retire at age 65 AND
+# want to spend $80k/yr in retirement. Combined annual contribution:
+# $80k/yr (CPI-adjusted).
+#
+# This file exercises BOTH retirement-planning inputs simultaneously:
+#   - Target retirement date (`retirement_age:num:65`) drives the
+#     Accumulation phase block — median portfolio at retirement,
+#     p10-p90 range. The headline retirement line uses this
+#     configured date.
+#   - Target spending (`target_spending:num:80000`) drives the
+#     Earliest retirement grid — when each (horizon, confidence)
+#     pair becomes feasible.
+#
+# Both blocks render back-to-back; the comparison is the value-add
+# (e.g. "you set a target retirement of 2046; at 95% confidence over
+# 30 years you could retire as early as YYYY").
+
+# Asset allocation target (80% stocks / 20% bonds — typical pre-retirement)
+type::config,target_stock_pct:num:80
+
+# Distribution-phase horizons to simulate
+type::config,horizon:num:25
+type::config,horizon:num:35
+# Plan through age 95 — the older partner's first-to-hit-95 sets the floor
+type::config,horizon_age:num:95
+
+# Target retirement date: oldest partner (Pat) reaches 65 in 2046
+type::config,retirement_age:num:65
+
+# Annual household contribution to retirement accounts
+type::config,annual_contribution:num:80000
+type::config,contribution_inflation_adjusted:bool:true
+
+# Target retirement spending
+type::config,target_spending:num:80000
+type::config,target_spending_inflation_adjusted:bool:true
+
+# Birthdates (drives both retirement_age resolution and life-event ages)
+type::birthdate,date::1981-04-12
+type::birthdate,date::1983-09-08,person:num:2
+
+# Social Security at age 70 (more conservative claim age)
+type::event,name::Social Security (Pat),start_age:num:70,person:num:1,amount:num:38400
+type::event,name::Social Security (Sam),start_age:num:70,person:num:2,amount:num:36000
+
+# College tuition for the kids — 4-year overlap when Pat is age 50-53
+type::event,name::College Tuition,start_age:num:50,person:num:1,duration:num:4,amount:num:-55000
diff --git a/examples/pre-retirement-spending-target/accounts.srf b/examples/pre-retirement-spending-target/accounts.srf
new file mode 100644
index 0000000..65ac972
--- /dev/null
+++ b/examples/pre-retirement-spending-target/accounts.srf
@@ -0,0 +1,11 @@
+#!srfv1
+# Account tax type classification for the pre-retirement example.
+# tax_type values: taxable, roth, traditional, hsa
+
+account::Pat 401k,tax_type::traditional,institution::fidelity,account_number::P401
+account::Pat Roth,tax_type::roth,institution::fidelity,account_number::PROTH
+account::Sam 401k,tax_type::traditional,institution::vanguard,account_number::S401
+account::Sam Roth,tax_type::roth,institution::vanguard,account_number::SROTH
+account::Joint taxable,tax_type::taxable,institution::schwab,account_number::JT01
+account::Family HSA,tax_type::hsa,institution::fidelity,account_number::HSA01
+account::Kids 529,tax_type::taxable,institution::vanguard,account_number::C529
diff --git a/examples/pre-retirement-spending-target/portfolio.srf b/examples/pre-retirement-spending-target/portfolio.srf
new file mode 100644
index 0000000..4045d3a
--- /dev/null
+++ b/examples/pre-retirement-spending-target/portfolio.srf
@@ -0,0 +1,39 @@
+#!srfv1
+# Example portfolio: pre-retirement household, ~age 45, ~$1.3M total.
+# All names, share counts, and prices are fictional. The household is
+# still actively contributing to retirement accounts and plans to
+# retire around age 65 — see projections.srf for the configuration.
+
+# Pat's 401(k) — traditional (pre-tax)
+symbol::VTI,shares:num:1100,open_date::2018-06-15,open_price:num:140.00,account::Pat 401k
+symbol::AGG,shares:num:600,open_date::2020-01-10,open_price:num:115.50,account::Pat 401k
+symbol::SCHD,shares:num:450,open_date::2022-03-18,open_price:num:74.20,account::Pat 401k
+security_type::cash,shares:num:1234.56,open_date::2026-04-30,open_price:num:1.00,account::Pat 401k
+
+# Pat's Roth IRA
+symbol::VTI,shares:num:240,open_date::2015-01-08,open_price:num:103.40,account::Pat Roth
+symbol::QQQ,shares:num:65,open_date::2019-11-22,open_price:num:200.10,account::Pat Roth
+security_type::cash,shares:num:412.85,open_date::2026-04-30,open_price:num:1.00,account::Pat Roth
+
+# Sam's 401(k) — traditional
+symbol::VTI,shares:num:780,open_date::2017-08-20,open_price:num:130.20,account::Sam 401k
+symbol::AGG,shares:num:380,open_date::2021-02-15,open_price:num:114.80,account::Sam 401k
+security_type::cash,shares:num:842.10,open_date::2026-04-30,open_price:num:1.00,account::Sam 401k
+
+# Sam's Roth IRA
+symbol::SPY,shares:num:120,open_date::2016-04-12,open_price:num:200.50,account::Sam Roth
+symbol::SCHD,shares:num:180,open_date::2023-05-10,open_price:num:73.80,account::Sam Roth
+security_type::cash,shares:num:225.00,open_date::2026-04-30,open_price:num:1.00,account::Sam Roth
+
+# Joint taxable brokerage — emergency fund + bridge savings
+symbol::SPY,shares:num:200,open_date::2020-09-01,open_price:num:330.00,account::Joint taxable
+symbol::VTI,shares:num:150,open_date::2022-10-04,open_price:num:188.00,account::Joint taxable
+security_type::cash,shares:num:48000.00,open_date::2026-04-30,open_price:num:1.00,account::Joint taxable
+
+# Family HSA — used as a stealth retirement account
+symbol::VTI,shares:num:90,open_date::2021-07-19,open_price:num:212.40,account::Family HSA
+security_type::cash,shares:num:1500.00,open_date::2026-04-30,open_price:num:1.00,account::Family HSA
+
+# 529 for the kids — earmarked, but counted in the household balance sheet
+symbol::VTI,shares:num:120,open_date::2017-09-05,open_price:num:128.50,account::Kids 529
+security_type::cash,shares:num:850.00,open_date::2026-04-30,open_price:num:1.00,account::Kids 529
diff --git a/examples/pre-retirement-spending-target/projections.srf b/examples/pre-retirement-spending-target/projections.srf
new file mode 100644
index 0000000..3149c7a
--- /dev/null
+++ b/examples/pre-retirement-spending-target/projections.srf
@@ -0,0 +1,73 @@
+#!srfv1
+# Pre-retirement projection: target spending with explicit
+# retirement_target override anchored on an INFEASIBLE cell.
+#
+# Same household and balance sheet as `pre-retirement-spending/`, but
+# with a much higher `target_spending` ($2.4M/yr) AND a horizon
+# annotation that pins the headline to a (horizon × confidence) pair
+# that turns out to be infeasible within the 50-year accumulation
+# search cap.
+#
+# This example exists to demonstrate two things:
+#
+#   1. The explicit `retirement_target` override on a horizon record.
+#      Without it, the default rule would walk horizons longest →
+#      shortest at 99% confidence; with it, the user picks exactly
+#      which (horizon × confidence) cell drives the Accumulation
+#      phase block headline.
+#
+#   2. The "not feasible" rendering path. When the annotated cell
+#      returns no value of `accumulation_years` ≤ 50 that sustains
+#      the target spending, the headline retirement line renders
+#      "Years until possible retirement: not feasible" instead of a
+#      date. The full Earliest retirement grid still renders below
+#      so the user can see which cells DO work and pick a different
+#      anchor if they want.
+#
+# Validation rules (enforced at parse time):
+#   - At most ONE horizon may carry a `retirement_target` annotation.
+#     Two or more drops them all (warning logged) and the default
+#     rule applies.
+#   - Allowed `retirement_target` values: 90, 95, 99. Anything else
+#     drops the annotation on that record (warning logged).
+#   - The annotation rides on `horizon:num:N` or `horizon_age:num:N`
+#     records identically. When on a `horizon_age` record, the
+#     annotation survives age-resolution into the resolved horizon.
+
+# Asset allocation target (80% stocks / 20% bonds — typical pre-retirement)
+type::config,target_stock_pct:num:80
+
+# Distribution-phase horizons. The 50-year horizon (resolved from
+# `horizon_age:num:95`) is the user's preferred planning anchor —
+# they want to see whether retirement is achievable at maximum
+# conservatism (99% confidence) over the longest distribution
+# phase. With the high target_spending below, this cell turns out
+# to be INFEASIBLE within the 50-year search cap. The headline
+# retirement line reflects that honestly: "not feasible". The
+# Earliest grid below still renders the full matrix so the user can
+# see which horizon × confidence pairs DO work.
+type::config,horizon:num:25
+type::config,horizon:num:35
+type::config,horizon_age:num:95,retirement_target:num:99
+
+# Annual household contribution to retirement accounts
+type::config,annual_contribution:num:80000
+type::config,contribution_inflation_adjusted:bool:true
+
+# Target retirement spending — set deliberately high so the
+# longest-horizon × highest-confidence cell falls outside the 50-year
+# search cap. This is what produces the "not feasible" headline AND
+# the mixed feasible/infeasible cells visible in the grid.
+type::config,target_spending:num:2400000
+type::config,target_spending_inflation_adjusted:bool:true
+
+# Birthdates (drives life-event ages even without retirement_age)
+type::birthdate,date::1981-04-12
+type::birthdate,date::1983-09-08,person:num:2
+
+# Social Security at age 70 (more conservative claim age)
+type::event,name::Social Security (Pat),start_age:num:70,person:num:1,amount:num:38400
+type::event,name::Social Security (Sam),start_age:num:70,person:num:2,amount:num:36000
+
+# College tuition for the kids — 4-year overlap when Pat is age 50-53
+type::event,name::College Tuition,start_age:num:50,person:num:1,duration:num:4,amount:num:-55000
diff --git a/examples/pre-retirement-spending/accounts.srf b/examples/pre-retirement-spending/accounts.srf
new file mode 100644
index 0000000..65ac972
--- /dev/null
+++ b/examples/pre-retirement-spending/accounts.srf
@@ -0,0 +1,11 @@
+#!srfv1
+# Account tax type classification for the pre-retirement example.
+# tax_type values: taxable, roth, traditional, hsa
+
+account::Pat 401k,tax_type::traditional,institution::fidelity,account_number::P401
+account::Pat Roth,tax_type::roth,institution::fidelity,account_number::PROTH
+account::Sam 401k,tax_type::traditional,institution::vanguard,account_number::S401
+account::Sam Roth,tax_type::roth,institution::vanguard,account_number::SROTH
+account::Joint taxable,tax_type::taxable,institution::schwab,account_number::JT01
+account::Family HSA,tax_type::hsa,institution::fidelity,account_number::HSA01
+account::Kids 529,tax_type::taxable,institution::vanguard,account_number::C529
diff --git a/examples/pre-retirement-spending/portfolio.srf b/examples/pre-retirement-spending/portfolio.srf
new file mode 100644
index 0000000..4045d3a
--- /dev/null
+++ b/examples/pre-retirement-spending/portfolio.srf
@@ -0,0 +1,39 @@
+#!srfv1
+# Example portfolio: pre-retirement household, ~age 45, ~$1.3M total.
+# All names, share counts, and prices are fictional. The household is
+# still actively contributing to retirement accounts and plans to
+# retire around age 65 — see projections.srf for the configuration.
+
+# Pat's 401(k) — traditional (pre-tax)
+symbol::VTI,shares:num:1100,open_date::2018-06-15,open_price:num:140.00,account::Pat 401k
+symbol::AGG,shares:num:600,open_date::2020-01-10,open_price:num:115.50,account::Pat 401k
+symbol::SCHD,shares:num:450,open_date::2022-03-18,open_price:num:74.20,account::Pat 401k
+security_type::cash,shares:num:1234.56,open_date::2026-04-30,open_price:num:1.00,account::Pat 401k
+
+# Pat's Roth IRA
+symbol::VTI,shares:num:240,open_date::2015-01-08,open_price:num:103.40,account::Pat Roth
+symbol::QQQ,shares:num:65,open_date::2019-11-22,open_price:num:200.10,account::Pat Roth
+security_type::cash,shares:num:412.85,open_date::2026-04-30,open_price:num:1.00,account::Pat Roth
+
+# Sam's 401(k) — traditional
+symbol::VTI,shares:num:780,open_date::2017-08-20,open_price:num:130.20,account::Sam 401k
+symbol::AGG,shares:num:380,open_date::2021-02-15,open_price:num:114.80,account::Sam 401k
+security_type::cash,shares:num:842.10,open_date::2026-04-30,open_price:num:1.00,account::Sam 401k
+
+# Sam's Roth IRA
+symbol::SPY,shares:num:120,open_date::2016-04-12,open_price:num:200.50,account::Sam Roth
+symbol::SCHD,shares:num:180,open_date::2023-05-10,open_price:num:73.80,account::Sam Roth
+security_type::cash,shares:num:225.00,open_date::2026-04-30,open_price:num:1.00,account::Sam Roth
+
+# Joint taxable brokerage — emergency fund + bridge savings
+symbol::SPY,shares:num:200,open_date::2020-09-01,open_price:num:330.00,account::Joint taxable
+symbol::VTI,shares:num:150,open_date::2022-10-04,open_price:num:188.00,account::Joint taxable
+security_type::cash,shares:num:48000.00,open_date::2026-04-30,open_price:num:1.00,account::Joint taxable
+
+# Family HSA — used as a stealth retirement account
+symbol::VTI,shares:num:90,open_date::2021-07-19,open_price:num:212.40,account::Family HSA
+security_type::cash,shares:num:1500.00,open_date::2026-04-30,open_price:num:1.00,account::Family HSA
+
+# 529 for the kids — earmarked, but counted in the household balance sheet
+symbol::VTI,shares:num:120,open_date::2017-09-05,open_price:num:128.50,account::Kids 529
+security_type::cash,shares:num:850.00,open_date::2026-04-30,open_price:num:1.00,account::Kids 529
diff --git a/examples/pre-retirement-spending/projections.srf b/examples/pre-retirement-spending/projections.srf
new file mode 100644
index 0000000..e79ff6e
--- /dev/null
+++ b/examples/pre-retirement-spending/projections.srf
@@ -0,0 +1,47 @@
+#!srfv1
+# Pre-retirement projection: target spending only.
+#
+# Pat (born 1981) and Sam (born 1983) want to spend $80k/yr in
+# retirement (today's dollars, CPI-adjusted). Combined annual
+# contribution while working: $80k/yr.
+#
+# This file exercises the target-spending input — the user has
+# anchored a spending number (`target_spending:num:80000`) but no
+# retirement date. The projections command searches for the
+# earliest accumulation length that sustains that spending at each
+# configured (horizon × confidence) pair, renders the resulting
+# grid, and promotes one cell into the Accumulation phase block as
+# the headline. The default promotion rule is "longest configured
+# horizon at 99% confidence, where the oldest person stays under
+# age 100." See `pre-retirement-spending-target/` for the explicit-
+# override variant.
+
+# Asset allocation target (80% stocks / 20% bonds — typical pre-retirement)
+type::config,target_stock_pct:num:80
+
+# Distribution-phase horizons to simulate
+type::config,horizon:num:25
+type::config,horizon:num:35
+# Plan through age 95 — the older partner's first-to-hit-95 sets the floor
+type::config,horizon_age:num:95
+
+# Annual household contribution to retirement accounts
+type::config,annual_contribution:num:80000
+type::config,contribution_inflation_adjusted:bool:true
+
+# Target retirement spending — the projections command searches for
+# the earliest accumulation year at which this spending level is
+# sustainable across each configured (horizon × confidence) pair.
+type::config,target_spending:num:80000
+type::config,target_spending_inflation_adjusted:bool:true
+
+# Birthdates (drives life-event ages even without a configured retirement date)
+type::birthdate,date::1981-04-12
+type::birthdate,date::1983-09-08,person:num:2
+
+# Social Security at age 70 (more conservative claim age)
+type::event,name::Social Security (Pat),start_age:num:70,person:num:1,amount:num:38400
+type::event,name::Social Security (Sam),start_age:num:70,person:num:2,amount:num:36000
+
+# College tuition for the kids — 4-year overlap when Pat is age 50-53
+type::event,name::College Tuition,start_age:num:50,person:num:1,duration:num:4,amount:num:-55000