`; profileTab.appendChild(miniWrap); } document.addEventListener('DOMContentLoaded', function() { // ── SLIDERS ── bSl('sl-cage','d-cage','',v=>{S.p.cage=v;setText('m-ytr',Math.max(0,S.p.rage-v));setText('m-rdur',Math.max(0,S.p.lon-S.p.rage)+' yrs');updPortSum();updSequencing();runProjection();}); bSl('sl-rage','d-rage','',v=>{S.p.rage=v;setText('m-ytr',Math.max(0,v-S.p.cage));setText('m-rdur',Math.max(0,S.p.lon-v)+' yrs');updPortSum();updSequencing();runProjection();}); bSl('sl-lon','d-lon','',v=>{S.p.lon=v;setText('m-rdur',Math.max(0,v-S.p.rage)+' yrs');updSequencing();runProjection();}); bSl('sl-ssprob','d-ssprob','%',v=>{S.ss.prob=v;const el=document.getElementById('ss-pm');if(el)el.style.width=v+'%';updSequencing();runProjection();}); bSl('sl-eq',null,null,v=>{S.port.eq=v;setText('d-eq',v+'%');setText('d-cash',Math.max(0,100-v-S.port.bond)+'%');updPortSum();}); bSl('sl-bond',null,null,v=>{S.port.bond=v;setText('d-bond',v+'%');setText('d-cash',Math.max(0,100-S.port.eq-v)+'%');updPortSum();}); bSl('sl-eqret','d-eqret','%',v=>{S.port.eqret=v;updPortSum();}); bSl('sl-bondret','d-bondret','%',v=>{S.port.bondret=v;updPortSum();}); bSl('sl-llcprob','d-llcprob','%',v=>{S.port.llc.prob=v;}); bSl('sl-ipprob','d-ipprob','%',v=>{S.port.ip.prob=v;const ev=pN(document.getElementById('i-ipval').value)*(v/100);setText('ip-ev',fC(ev));}); bSl('sl-cpiw','d-cpiw','%',v=>{S.inf.cpiw=v;setText('d-persw',Math.max(0,100-v-S.inf.ppiw)+'%');updInf();}); bSl('sl-ppiw','d-ppiw','%',v=>{S.inf.ppiw=v;setText('d-persw',Math.max(0,100-S.inf.cpiw-v)+'%');updInf();}); // Inflation raw inputs ['i-cpi','i-ppi','i-persinf'].forEach(id=>{ const el=document.getElementById(id);if(!el)return; el.addEventListener('input',()=>{ const v=parseFloat(el.value)||0; if(id==='i-cpi'){S.inf.cpi=v;setText('d-cpi',v.toFixed(1)+'%');const b=document.getElementById('bar-cpi');if(b)b.style.width=Math.min(v*7,100)+'%';} if(id==='i-ppi'){S.inf.ppi=v;setText('d-ppi',v.toFixed(1)+'%');const b=document.getElementById('bar-ppi');if(b)b.style.width=Math.min(v*7,100)+'%';} if(id==='i-persinf'){S.inf.pers=v;setText('d-persinf',v.toFixed(1)+'%');const b=document.getElementById('bar-pers');if(b)b.style.width=Math.min(v*7,100)+'%';} updInf(); }); }); // Toggles bTog('tog-ss',v=>{const s=document.getElementById('ss-sec');if(s){s.style.opacity=v?'1':'.3';s.style.pointerEvents=v?'all':'none';}S.ss.on=v;}); bTog('tog-spss',v=>{const s=document.getElementById('sp-ss');if(s)s.style.display=v?'block':'none';S.ss.spon=v;}); bTog('tog-llc',v=>{const s=document.getElementById('llc-sec');if(s){s.style.opacity=v?'1':'.3';s.style.pointerEvents=v?'all':'none';}S.port.llc.on=v;}); bTog('tog-ip',v=>{const s=document.getElementById('ip-sec');if(s){s.style.opacity=v?'1':'.3';s.style.pointerEvents=v?'all':'none';}S.port.ip.on=v;}); // ZIP ['i-zipa','i-zipb'].forEach(id=>{document.getElementById(id).addEventListener('input',function(){if(this.value.length>=3)updGeo(id==='i-zipa'?'a':'b');});}); // TAB NAV document.querySelectorAll('.tab-btn').forEach(btn=>{ btn.addEventListener('click',()=>{ const tab=btn.dataset.tab; document.querySelectorAll('.tab-btn').forEach(b=>b.classList.remove('active')); document.querySelectorAll('.tab-pane').forEach(p=>p.classList.remove('active')); btn.classList.add('active'); document.getElementById('tab-'+tab).classList.add('active'); if(tab==='projections')runProjection(); if(tab==='speed')updSpeed(); }); }); // ── INTELLIGENCE ── async function runIntel(){ const out=document.getElementById('i-out'); const pulse=document.getElementById('i-pulse'); const status=document.getElementById('i-status'); const keyEl=document.getElementById('gemini-key'); const apiKey=keyEl?keyEl.value.trim():''; if(!apiKey){ out.textContent='Enter your Gemini API key above to generate an analysis.\n\nGet a free key at aistudio.google.com — it takes about 30 seconds.'; return; } out.textContent='Analyzing your retirement scenario...'; if(pulse)pulse.style.opacity='1'; if(status)status.textContent='Gemini is thinking...'; const mc=monteCarlo(200),base=project(null),rr=base.find(r=>r.age>=S.p.rage); const expActive=PA.expenditures.filter(e=>e.on); const expTotal=expActive.reduce((s,e)=>s+e.amt,0); const prompt=`You are a retirement intelligence analyst. Analyze this scenario with thorough, specific, actionable prose. No bullet points. No markdown headers. Organized paragraphs only. Be quantitative throughout. SCENARIO: - Age: ${S.p.cage} | Retire: ${S.p.rage} | Longevity: ${S.p.lon} | Duration: ${S.p.lon-S.p.rage} years - Portfolio total: $${S.port.total.toLocaleString()} | Est. at retirement: $${rr?rr.port.toLocaleString():'N/A'} - Annual savings/contributions: $${S.port.sav.toLocaleString()} | Blended return: ${bRet().toFixed(2)}% - Allocation: ${S.port.eq}% equity / ${S.port.bond}% bonds / ${Math.max(0,100-S.port.eq-S.port.bond)}% cash/alts - Annual spending: $${Math.round(aSpend()).toLocaleString()} ($${Math.round(aSpend()/12).toLocaleString()}/mo) - Withdrawal strategy: ${S.strat.method} - Blended inflation: ${bInf().toFixed(2)}% (CPI: ${S.inf.cpi}%, PPI: ${S.inf.ppi}%, Personal: ${S.inf.pers}%) - Monte Carlo success rate: ${mc.succ}% (300 simulations) | P10: $${Math.round(mc.p10).toLocaleString()} | P50: $${Math.round(mc.p50).toLocaleString()} | P90: $${Math.round(mc.p90).toLocaleString()} - SS: ${S.ss.on?`$${S.ss.ben.toLocaleString()}/mo at age ${S.ss.age}, ${S.ss.prob}% confidence`:'Excluded'} - LLC: ${S.port.llc.on?`${S.port.llc.mode} mode, $${S.port.llc.inc.toLocaleString()}/yr until ${S.port.llc.stop}`:'Off'} - IP event: ${S.port.ip.on?`$${S.port.ip.val.toLocaleString()} at ${S.port.ip.yr}, ${S.port.ip.prob}% probability`:'Not modeled'} - Planned large expenditures: ${expActive.length} items totaling $${expTotal.toLocaleString()} - Location A: ${S.geo.a.metro} (COL ${S.geo.a.col}) — $${Math.round(aSpend()*(S.geo.a.col/100)).toLocaleString()}/yr effective spend - Location B: ${S.geo.b.metro} (COL ${S.geo.b.col}) — $${Math.round(aSpend()*(S.geo.b.col/100)).toLocaleString()}/yr effective spend Analyze five areas in organized prose paragraphs: 1. Overall retirement readiness — what the numbers actually say. 2. Key risks — sequence-of-returns given this retirement duration, and what the PPI-CPI spread means for real purchasing power erosion. 3. The single highest-leverage action to improve the success rate. 4. Assessment of the selected withdrawal strategy (${S.strat.method}) given this specific retirement duration. 5. What the geographic choice means in compounded dollar terms over the full retirement period. Be direct, specific, and quantitative throughout. Do not use bullet points or markdown headers.`; try{ const resp = await fetch( `https://generativelanguage.googleapis.com/v1beta/models/gemini-2.0-flash:generateContent?key=${apiKey}`, { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify({ contents: [{ parts: [{ text: prompt }] }], generationConfig: { maxOutputTokens: 1200, temperature: 0.7 } }) } ); const data = await resp.json(); if(data.error){ out.textContent = 'Gemini API error: ' + (data.error.message || JSON.stringify(data.error)); } else { const text = data.candidates?.[0]?.content?.parts?.[0]?.text || 'No response received.'; out.textContent = text; } } catch(e) { out.textContent = 'Network error: ' + e.message + '\n\nCheck your API key and internet connection.'; } if(pulse)pulse.style.opacity='0'; if(status)status.textContent='Analysis complete — powered by Gemini 2.0 Flash'; } // ── INJECT MINI CHART + STATS INTO PROFILE TAB ── // ── SPEED CALCULATOR ── function updSpeed(){ const grossIncome = pN(document.getElementById('i-income')?.value||0) + pN(document.getElementById('i-sincome')?.value||0); const totalContrib = getTotalContrib(); const portfolio = S.port.total; const spend = aSpend(); const ret = bRet()/100; const inf = bInf()/100; // Savings rate const sr = grossIncome > 0 ? (totalContrib/grossIncome)*100 : 0; const srFmt = sr.toFixed(1)+'%'; setText('spd-sr', srFmt); setText('spd-sr-big', srFmt); // Color the savings rate metric box const box = document.getElementById('spd-sr-box'); if(box) box.style.borderColor = sr>=40?'var(--green2)':sr>=25?'var(--gold)':sr>=15?'var(--amber)':'var(--red2)'; // Rate bar const bar = document.getElementById('spd-rate-bar'); if(bar) bar.style.width = Math.min(sr/50*100, 100)+'%'; // Grade and note let grade='', note=''; if(sr>=50){grade='Exceptional — FIRE trajectory';note='A 50%+ savings rate puts you on a trajectory to financial independence in under 17 years from zero, regardless of starting point. Every additional point of savings rate shaves months off your timeline.';} else if(sr>=35){grade='Excellent — Accelerated path';note='A 35%+ savings rate meaningfully shortens your accumulation phase. Most people in this range reach FI 8-12 years ahead of the median American worker.';} else if(sr>=25){grade='Strong — Above average';note='25%+ puts you well ahead of the US median savings rate of 4-6%. At this rate you are building real long-term wealth and compressing your retirement timeline.';} else if(sr>=15){grade='Moderate — Room to accelerate';note='15% meets conventional retirement planning thresholds but results in a traditional 30-40 year working career. Increasing to 25%+ meaningfully changes your trajectory.';} else if(sr>0){grade='Below target — Action needed';note='A sub-15% savings rate means your wealth-building speed is slower than needed for early retirement. Even a 5% increase in savings rate can shave years off your timeline.';} else{grade='Enter your income and contributions above';note='Add your gross income in the Profile tab and contribution amounts in the Portfolio tab to calculate your savings rate.';} setText('spd-sr-grade', grade); setText('spd-rate-note', note); // Benchmarks const benchmarks=[ {label:'US Median Savings Rate', val:5, note:'BLS 2024'}, {label:'Traditional Planner Target', val:15, note:'conventional advice'}, {label:'Early Retirement Threshold', val:30, note:'retire in ~28 years'}, {label:'Accelerated FI (retire in 17 yrs)', val:50, note:'from zero'}, {label:'Your Rate', val:sr, note:'current', highlight:true}, ]; const bEl=document.getElementById('spd-benchmarks'); if(bEl){ bEl.innerHTML=benchmarks.map(b=>` `).join(''); } // Wealth velocity const growthVelocity = portfolio * ret; const totalVelocity = totalContrib + growthVelocity; setText('spd-wa', fC(totalVelocity)); setText('spd-wm', fC(totalVelocity/12)); setText('spd-cv', fC(totalContrib)+'/yr'); setText('spd-gv', fC(growthVelocity)+'/yr'); // Crossover point — when growth > contributions if(ret > 0 && totalContrib > 0){ const crossoverPortfolio = totalContrib / ret; const crossEl = document.getElementById('spd-cross'); if(crossEl){ if(portfolio >= crossoverPortfolio){ crossEl.textContent = 'Already crossed — your portfolio earns '+fC(growthVelocity)+'/yr, more than your '+fC(totalContrib)+'/yr contributions.'; crossEl.style.color='var(--green2)'; } else { const deficit = crossoverPortfolio - portfolio; const yrs = Math.log(crossoverPortfolio/portfolio) / Math.log(1+ret+totalContrib/portfolio); const crossYear = new Date().getFullYear() + Math.ceil(Math.abs(yrs)); crossEl.textContent = 'Est. '+crossYear+' ('+Math.ceil(Math.abs(yrs))+' years) — when portfolio reaches '+fC(crossoverPortfolio); crossEl.style.color='var(--text)'; } } } // 5-year projection table const tbody=document.getElementById('spd-5yr'); if(tbody){ let p=portfolio, rows=''; const CY=new Date().getFullYear(); for(let i=1;i<=5;i++){ const growth=p*ret; p=p*(1+ret)+totalContrib; rows+=` ${CY+i} ${fC(p)} +${fC(totalContrib)} +${fC(growth)} `; } tbody.innerHTML=rows; } // FI Numbers const fiSpend = spend>0 ? spend : 60000; const fi4 = fiSpend*25; const fi33 = fiSpend*30; const fi5 = fiSpend*20; setText('fi-4pct', fC(fi4)); setText('fi-33pct', fC(fi33)); setText('fi-5pct', fC(fi5)); // Years to FI at 3.3% let yrsToFI = 0; if(portfolio < fi33 && totalContrib > 0){ // Solve: fi33 = portfolio*(1+ret)^n + contrib*((1+ret)^n - 1)/ret let p2=portfolio; while(p2= fi33){ yrsToFI = 0; } setText('spd-fi', yrsToFI===0?'Now!':yrsToFI+' yrs'); setText('spd-fin', fC(fi33)); // Progress bar const pctFI = Math.min(portfolio/fi33*100, 100); setText('spd-pct', pctFI.toFixed(1)+'%'); setText('fi-pct-label', pctFI.toFixed(1)+'%'); const progressBar=document.getElementById('fi-progress-bar'); if(progressBar) progressBar.style.width=pctFI.toFixed(1)+'%'; setText('fi-dur', Math.max(0,S.p.lon-S.p.rage)); } // ── PERSISTENCE — localStorage ── const STORAGE_KEY = 'symphony_retirement_v1'; function saveState() { try { // Pull live DOM values into state before saving const syncFields = [ ['i-income', v => S.port.sav = pN(v)], // handled via savings ['i-savings', v => S.port.sav = pN(v)], ['i-ssage', v => S.ss.age = parseInt(v)||67], ['i-ssbenefit', v => S.ss.ben = pN(v)||2800], ['i-ghi', v => S.strat.ghi = parseFloat(v)||5.5], ['i-glo', v => S.strat.glo = parseFloat(v)||3.5], ['i-floor', v => S.strat.floor = pN(v)||48000], ['i-ceil', v => S.strat.ceil = pN(v)||120000], ['p-stocks', v => PA.accounts.stocks = pN(v)], ['p-etfs', v => PA.accounts.etfs = pN(v)], ['p-cash-tax', v => PA.accounts.cashTax = pN(v)], ['p-tax-contrib',v=> PA.accounts.taxContrib = pN(v)], ['p-tax-ret', v => PA.accounts.taxRet = parseFloat(v)||7.2], ['p-trad-bal', v => PA.accounts.tradBal = pN(v)], ['p-trad-contrib',v=>PA.accounts.tradContrib = pN(v)], ['p-trad-match',v => PA.accounts.tradMatch = pN(v)], ['p-trad-ret', v => PA.accounts.tradRet = parseFloat(v)||7.0], ['p-roth-bal', v => PA.accounts.rothBal = pN(v)], ['p-roth-contrib',v=>PA.accounts.rothContrib = pN(v)], ['p-roth-ret', v => PA.accounts.rothRet = parseFloat(v)||7.5], ['p-hsa-bal', v => PA.accounts.hsaBal = pN(v)], ['p-hsa-contrib',v=>PA.accounts.hsaContrib = pN(v)], ['p-hsa-ret', v => PA.accounts.hsaRet = parseFloat(v)||7.0], ['p-pension', v => PA.accounts.pension = pN(v)], ['p-realestate',v => PA.accounts.realEstate = pN(v)], ['p-other', v => PA.accounts.other = pN(v)], ['i-llcinc', v => S.port.llc.inc = pN(v)], ['i-llcstop', v => S.port.llc.stop = parseInt(v)||2040], ['i-llcsale', v => S.port.llc.sale = pN(v)], ['i-llcsaleyr', v => S.port.llc.saleyr = parseInt(v)||2038], ['i-ipval', v => S.port.ip.val = pN(v)], ['i-ipyr', v => S.port.ip.yr = parseInt(v)||2030], ['i-zipa', v => S.geo.a.zip = v], ['i-zipb', v => S.geo.b.zip = v], ['i-hcprem', v => {}], ['i-hcded', v => {}], ['i-income', v => {}], ['i-sincome', v => {}], ['i-srage', v => {}], ]; syncFields.forEach(([id]) => { const el = document.getElementById(id); if(el) {/* value already in S/PA from event listeners */} }); // Read slider values into state const sliders = [ ['sl-cage', v => S.p.cage = v], ['sl-rage', v => S.p.rage = v], ['sl-lon', v => S.p.lon = v], ['sl-ssprob', v => S.ss.prob = v], ['sl-eq', v => S.port.eq = v], ['sl-bond', v => S.port.bond = v], ['sl-eqret',v => S.port.eqret = v], ['sl-bondret',v=>S.port.bondret = v], ['sl-llcprob', v => S.port.llc.prob = v], ['sl-ipprob', v => S.port.ip.prob = v], ['sl-cpiw', v => S.inf.cpiw = v], ['sl-ppiw', v => S.inf.ppiw = v], ]; sliders.forEach(([id, setter]) => { const el = document.getElementById(id); if(el) setter(parseFloat(el.value)); }); // Read raw inflation inputs ['i-cpi','i-ppi','i-persinf'].forEach((id,i) => { const el = document.getElementById(id); if(!el) return; const v = parseFloat(el.value)||0; if(id==='i-cpi') S.inf.cpi=v; if(id==='i-ppi') S.inf.ppi=v; if(id==='i-persinf') S.inf.pers=v; }); // Snapshot all text inputs by ID for exact DOM restoration const domSnapshot = {}; const inputIds = [ 'i-income','i-sincome','i-savings','i-srage', 'i-ssage','i-ssbenefit','i-hcprem','i-hcded','i-spbenefit', 'p-stocks','p-etfs','p-cash-tax','p-tax-contrib','p-tax-ret', 'p-trad-bal','p-trad-contrib','p-trad-match','p-trad-ret', 'p-roth-bal','p-roth-contrib','p-roth-ret', 'p-hsa-bal','p-hsa-contrib','p-hsa-ret', 'p-pension','p-realestate','p-other', 'i-llcinc','i-llcstop','i-llcsale','i-llcsaleyr', 'i-ipval','i-ipyr', 'i-ghi','i-glo','i-floor','i-ceil', 'i-cpi','i-ppi','i-persinf', 'i-zipa','i-zipb', 'i-hcprem','i-hcded', ]; inputIds.forEach(id => { const el = document.getElementById(id); if(el) domSnapshot[id] = el.value; }); const payload = { S, PA: { accounts: PA.accounts, expenditures: PA.expenditures, convBkt: PA.convBkt }, bondsOn, llcMode: S.port.llc.mode, domSnapshot, savedAt: Date.now() }; localStorage.setItem(STORAGE_KEY, JSON.stringify(payload)); } catch(e) { console.warn('Save failed:', e); } } function loadState() { try { const raw = localStorage.getItem(STORAGE_KEY); if(!raw) return false; const payload = JSON.parse(raw); if(!payload || !payload.S) return false; // Restore state objects Object.assign(S.p, payload.S.p || {}); Object.assign(S.port, payload.S.port || {}); if(payload.S.port && payload.S.port.llc) Object.assign(S.port.llc, payload.S.port.llc); if(payload.S.port && payload.S.port.ip) Object.assign(S.port.ip, payload.S.port.ip); Object.assign(S.strat, payload.S.strat || {}); Object.assign(S.inf, payload.S.inf || {}); Object.assign(S.ss, payload.S.ss || {}); Object.assign(S.geo.a, payload.S.geo && payload.S.geo.a ? payload.S.geo.a : {}); Object.assign(S.geo.b, payload.S.geo && payload.S.geo.b ? payload.S.geo.b : {}); if(payload.S.cats && Array.isArray(payload.S.cats)) S.cats = payload.S.cats; // Restore PA if(payload.PA) { if(payload.PA.accounts) Object.assign(PA.accounts, payload.PA.accounts); if(payload.PA.expenditures) PA.expenditures = payload.PA.expenditures; if(payload.PA.convBkt) PA.convBkt = payload.PA.convBkt; } // Restore bondsOn if(typeof payload.bondsOn === 'boolean') bondsOn = payload.bondsOn; // Restore DOM inputs if(payload.domSnapshot) { Object.entries(payload.domSnapshot).forEach(([id, val]) => { const el = document.getElementById(id); if(el) el.value = val; }); } // Restore sliders const sliderMap = { 'sl-cage': S.p.cage, 'sl-rage': S.p.rage, 'sl-lon': S.p.lon, 'sl-ssprob': S.ss.prob, 'sl-eq': S.port.eq, 'sl-bond': S.port.bond, 'sl-eqret': S.port.eqret, 'sl-bondret': S.port.bondret, 'sl-llcprob': S.port.llc.prob, 'sl-ipprob': S.port.ip.prob, 'sl-cpiw': S.inf.cpiw, 'sl-ppiw': S.inf.ppiw, }; Object.entries(sliderMap).forEach(([id, val]) => { const el = document.getElementById(id); if(el) el.value = val; }); // Restore slider display labels setText('d-cage', S.p.cage); setText('d-rage', S.p.rage); setText('d-lon', S.p.lon); setText('d-ssprob', S.ss.prob + '%'); setText('d-eq', S.port.eq + '%'); setText('d-bond', S.port.bond + '%'); setText('d-cash', Math.max(0, 100 - S.port.eq - S.port.bond) + '%'); setText('d-eqret', S.port.eqret + '%'); setText('d-bondret', S.port.bondret + '%'); setText('d-llcprob', S.port.llc.prob + '%'); setText('d-ipprob', S.port.ip.prob + '%'); setText('d-cpiw', S.inf.cpiw + '%'); setText('d-ppiw', S.inf.ppiw + '%'); setText('d-persw', Math.max(0, 100 - S.inf.cpiw - S.inf.ppiw) + '%'); setText('m-ytr', Math.max(0, S.p.rage - S.p.cage)); setText('m-rdur', Math.max(0, S.p.lon - S.p.rage) + ' yrs'); // Restore SS prob bar const ssBar = document.getElementById('ss-pm'); if(ssBar) ssBar.style.width = S.ss.prob + '%'; // Restore bond toggle UI const bondTog = document.getElementById('tog-bonds'); if(bondTog) { bondTog.classList.toggle('on', bondsOn); setText('bond-tog-label', bondsOn ? 'ON' : 'OFF'); const ctrl = document.getElementById('bond-controls'); const note = document.getElementById('bond-off-note'); if(ctrl) ctrl.style.display = bondsOn ? 'block' : 'none'; if(note) note.style.display = bondsOn ? 'none' : 'block'; } // Restore LLC mode setLLC(S.port.llc.mode); // Restore toggle states const toggles = [ ['tog-ss', S.ss.on, 'ss-sec'], ['tog-llc', S.port.llc.on, 'llc-sec'], ]; toggles.forEach(([id, val, secId]) => { const el = document.getElementById(id); if(el) el.classList.toggle('on', val); const sec = document.getElementById(secId); if(sec) { sec.style.opacity = val ? '1' : '.3'; sec.style.pointerEvents = val ? 'all' : 'none'; } }); const ipTog = document.getElementById('tog-ip'); if(ipTog) ipTog.classList.toggle('on', S.port.ip.on); const ipSec = document.getElementById('ip-sec'); if(ipSec) { ipSec.style.opacity = S.port.ip.on ? '1' : '.3'; ipSec.style.pointerEvents = S.port.ip.on ? 'all' : 'none'; } console.log('State restored from', new Date(payload.savedAt).toLocaleString()); return true; } catch(e) { console.warn('Load failed:', e); return false; } } function clearState() { localStorage.removeItem(STORAGE_KEY); location.reload(); } // Auto-save on any state change — debounced 800ms let saveTimer = null; function scheduleSave() { clearTimeout(saveTimer); saveTimer = setTimeout(saveState, 800); } // ── INIT ── injectProfileChart(); // ── TEXT INPUT LIVE LISTENERS ── // Profile inputs ['i-income','i-sincome','i-savings','i-srage'].forEach(id=>{ const el=document.getElementById(id);if(!el)return; el.addEventListener('input',()=>{ S.port.sav=pN(document.getElementById('i-savings')?.value||S.port.sav); updPortSum();runProjection(); }); }); ['i-ssage','i-ssbenefit','i-hcprem','i-hcded','i-spbenefit'].forEach(id=>{ const el=document.getElementById(id);if(!el)return; el.addEventListener('input',()=>{ const age=document.getElementById('i-ssage'); const ben=document.getElementById('i-ssbenefit'); if(age)S.ss.age=parseInt(age.value)||67; if(ben)S.ss.ben=pN(ben.value)||2800; updSequencing();runProjection(); }); }); // Portfolio account inputs — all wired to updPortTotals ['p-stocks','p-etfs','p-cash-tax','p-tax-contrib','p-tax-ret', 'p-trad-bal','p-trad-contrib','p-trad-match','p-trad-ret', 'p-roth-bal','p-roth-contrib','p-roth-ret', 'p-hsa-bal','p-hsa-contrib','p-hsa-ret', 'p-pension','p-realestate','p-other'].forEach(id=>{ const el=document.getElementById(id);if(!el)return; el.addEventListener('input',()=>updPortTotals()); }); // LLC inputs ['i-llcinc','i-llcstop','i-llcsale','i-llcsaleyr'].forEach(id=>{ const el=document.getElementById(id);if(!el)return; el.addEventListener('input',()=>{ const inc=document.getElementById('i-llcinc'); const stop=document.getElementById('i-llcstop'); const sale=document.getElementById('i-llcsale'); const saleyr=document.getElementById('i-llcsaleyr'); if(inc)S.port.llc.inc=pN(inc.value); if(stop)S.port.llc.stop=parseInt(stop.value)||2040; if(sale)S.port.llc.sale=pN(sale.value); if(saleyr)S.port.llc.saleyr=parseInt(saleyr.value)||2038; runProjection(); }); }); // IP event inputs ['i-ipval','i-ipyr'].forEach(id=>{ const el=document.getElementById(id);if(!el)return; el.addEventListener('input',()=>{ const val=document.getElementById('i-ipval'); const yr=document.getElementById('i-ipyr'); if(val)S.port.ip.val=pN(val.value); if(yr)S.port.ip.yr=parseInt(yr.value)||2030; const prob=parseFloat(document.getElementById('sl-ipprob')?.value||25); setText('ip-ev',fC(S.port.ip.val*(prob/100))); runProjection(); }); }); // Strategy inputs ['i-ghi','i-glo','i-floor','i-ceil'].forEach(id=>{ const el=document.getElementById(id);if(!el)return; el.addEventListener('input',()=>{ const ghi=document.getElementById('i-ghi'); const glo=document.getElementById('i-glo'); const fl=document.getElementById('i-floor'); const ce=document.getElementById('i-ceil'); if(ghi)S.strat.ghi=parseFloat(ghi.value)||5.5; if(glo)S.strat.glo=parseFloat(glo.value)||3.5; if(fl)S.strat.floor=pN(fl.value)||48000; if(ce)S.strat.ceil=pN(ce.value)||120000; runProjection(); }); }); // Restore persisted state if available const stateRestored = loadState(); try{renderCats();}catch(e){console.warn('renderCats:',e);} try{updPortSum();}catch(e){console.warn('updPortSum:',e);} try{updInf();}catch(e){console.warn('updInf:',e);} try{updGeo('a');updGeo('b');}catch(e){console.warn('updGeo:',e);} try{updPortTotals();}catch(e){console.warn('updPortTotals:',e);} try{updSequencing();}catch(e){console.warn('updSequencing:',e);} try{renderExps();}catch(e){console.warn('renderExps:',e);} try{updActions();}catch(e){console.warn('updActions:',e);} try{runProjection();}catch(e){console.warn('runProjection:',e);} try{updSpeed();}catch(e){console.warn('updSpeed:',e);} }); 'renderCats:',e);} try{updPortSum();}catch(e){console.warn('updPortSum:',e);} try{updInf();}catch(e){console.warn('updInf:',e);} try{updGeo('a');updGeo('b');}catch(e){console.warn('updGeo:',e);} try{updPortTotals();}catch(e){console.warn('updPortTotals:',e);} try{updSequencing();}catch(e){console.warn('updSequencing:',e);} try{renderExps();}catch(e){console.warn('renderExps:',e);} try{updActions();}catch(e){console.warn('updActions:',e);} try{runProjection();}catch(e){console.warn('runProjection:',e);} try{updSpeed();}catch(e){console.warn('updSpeed:',e);} }); ⌗

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