{
 "meta": {
  "generated": "2026-06-11",
  "engine": "QuantCalc engine conventions replicated in numpy (see simulate.py header); PCG64 seed 4242",
  "cme_source": "JPMorgan LTCMA 2026",
  "cme_as_of": "2025-11-01",
  "num_sims": 10000,
  "start_age": 65,
  "end_age": 95,
  "start_balance": 1000000.0,
  "inflation": 0.025,
  "regime_preset": {
   "m": 2.55,
   "p01": 0.031,
   "p10": 0.151,
   "shift": -0.0278
  },
  "strategy_labels": {
   "fixed_real": "4% rule (fixed real)",
   "fixed_pct": "Fixed 4% of balance",
   "vpw": "VPW-style (PMT annuitization)",
   "gk": "Guardrails (Guyton-Klinger-style)",
   "rmd_style": "RMD-style (balance / life expectancy)"
  },
  "strategy_params": {
   "fixed_real": {
    "rate": 0.04
   },
   "fixed_pct": {
    "rate": 0.04
   },
   "vpw": {
    "note": "PMT over years to 95 at CME-derived real return"
   },
   "gk": {
    "initial_rate": 0.05,
    "guard_hi": 1.2,
    "guard_lo": 0.8,
    "adjust": 0.1,
    "preservation_cutoff_age": 80
   },
   "rmd_style": {
    "table": "IRS Uniform Lifetime (Pub 590-B), Sun-Webb extension below 73"
   }
  },
  "vpw_real_return": {
   "60/40": 0.03417,
   "40/60": 0.03005
  },
  "cross_validation": {
   "date": "2026-06-11",
   "method": "fixed_real 60/40 plan run through the C engine (local Docker, seed 42, 10k sims, PRO) with identical CME source/allocations/inflation",
   "engine_success_baseline": 0.8696,
   "pipeline_success_baseline": 0.859,
   "engine_success_regime": 0.6971,
   "pipeline_success_regime": 0.702,
   "note": "independent RNG streams; within-year COLA timing differs (engine monthly, pipeline annual step); agreement within ~1.1pp on both modes"
  }
 },
 "results": {
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  }
 }
}