@retiregolden/engine 0.1.0

package/dist/params/state/types.d.ts

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+/**
+ * Per-state income tax parameters (V5, "big levers"). One pack per tax year;
+ * a data-only refresh each fall. Models brackets, standard deduction, whether
+ * the state taxes Social Security, and the major age-based retirement-income
+ * exclusion. Per-state credits, local/city taxes, and income phase-outs of
+ * exclusions are out of scope.
+ *
+ * @see DOCS/features/taxes.md
+ */
+import type { FilingStatus, PerStatus } from '../types.js';
+/** Marginal bracket: `ratePct` applies to taxable income above `lowerBound`. */
+export interface StateTaxBracket {
+    lowerBound: number;
+    ratePct: number;
+}
+/**
+ * Exclusion of retirement income from state taxable income.
+ *  - none:   the state taxes retirement income like other ordinary income.
+ *  - full:   retirement income is entirely exempt (subject to minAge if set).
+ *  - capped: each age-eligible person excludes up to capPerPerson.
+ */
+export interface StateRetirementExclusion {
+    kind: 'none' | 'full' | 'capped';
+    /** Annual cap per eligible person (kind 'capped'), in pack-year dollars. */
+    capPerPerson?: number;
+    /** Exclusion applies only to people at or above this age. */
+    minAge?: number;
+}
+export interface StateTaxParams {
+    /** Two-letter code, e.g. 'KY'. */
+    code: string;
+    name: string;
+    /** Nine states levy no broad income tax → everything below is ignored. */
+    hasIncomeTax: boolean;
+    /** ~9 states tax Social Security benefits (to the federally taxable extent). */
+    taxesSocialSecurity: boolean;
+    /** Most states tax long-term gains as ordinary income. */
+    capitalGainsAsOrdinary: boolean;
+    /**
+     * Percent of modeled realized/net capital gain included in the state base.
+     * Defaults to 100 when `capitalGainsAsOrdinary` is true, else 0.
+     */
+    capitalGainsTaxablePct?: number;
+    /**
+     * Whether the state follows the federal capital-loss carryforward netting
+     * already applied by the ledger, or taxes only current-year realized gains
+     * and ignores prior-year carryforward offsets (PA-style planning case).
+     */
+    capitalLossCarryforwardConformity?: 'federal' | 'currentYearOnly';
+    /** Source notes for state capital-gain/conformity treatment. */
+    capitalGainsNotes?: string;
+    capitalGainsSources?: string[];
+    standardDeduction: PerStatus<number>;
+    brackets: PerStatus<StateTaxBracket[]>;
+    /** Private pensions, annuities, traditional IRA/401(k), RMD, SEPP, and inherited distributions. */
+    retirementPrivate: StateRetirementExclusion;
+    /** Public civil-service / military pensions, where state law separates them. */
+    retirementPublic: StateRetirementExclusion;
+    /**
+     * True when the state has one all-retirement rule copied into both buckets
+     * (no separate public-pension law): a capped exclusion then applies once to
+     * the combined retirement income, never once per bucket.
+     */
+    retirementRuleShared?: boolean;
+    /** Citation / modeled simplifications for the data-refresh workstream. */
+    notes?: string;
+}
+export interface StateTaxPack {
+    year: number;
+    /** Keyed by two-letter code. Absent states fall back to the flat override. */
+    states: Record<string, StateTaxParams>;
+}
+export type { FilingStatus };

package/dist/params/state/types.js

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+/**
+ * Per-state income tax parameters (V5, "big levers"). One pack per tax year;
+ * a data-only refresh each fall. Models brackets, standard deduction, whether
+ * the state taxes Social Security, and the major age-based retirement-income
+ * exclusion. Per-state credits, local/city taxes, and income phase-outs of
+ * exclusions are out of scope.
+ *
+ * @see DOCS/features/taxes.md
+ */
+export {};

package/dist/params/types.d.ts

@@ -0,0 +1,201 @@
+/**
+ * Annual parameter pack shape. One pack per tax year; values come from IRS,
+ * SSA, CMS, and HHS releases each fall. Refreshing a year is a data-only PR.
+ *
+ * Sources and the meaning of each figure: DOCS/domain/domain-rules-reference.md.
+ */
+export type FilingStatus = 'single' | 'marriedFilingJointly';
+/** One point on the TIPS par real-yield curve. */
+export interface RealYieldCurvePoint {
+    maturityYears: number;
+    /** Par real yield, percent per year (above inflation). */
+    realYieldPct: number;
+}
+/**
+ * TIPS real-yield curve snapshot: the discount curve for ladder quotes and
+ * essential-spending present values. Points sorted ascending by maturity;
+ * the ladder engine interpolates linearly and holds the endpoints flat.
+ */
+export interface RealYieldCurve {
+    /** Publication date of the yields (shown as "curve as of" in the UI). */
+    asOfIso: string;
+    /** Human-readable provenance of the snapshot. */
+    source: string;
+    points: RealYieldCurvePoint[];
+}
+/** Marginal bracket: `ratePct` applies to taxable income above `lowerBound`. */
+export interface TaxBracket {
+    lowerBound: number;
+    ratePct: number;
+}
+export interface PerStatus<T> {
+    single: T;
+    marriedFilingJointly: T;
+}
+export interface IrmaaTier {
+    /** Tier applies when MAGI (2-year lookback) exceeds this. */
+    magiOver: PerStatus<number>;
+    /**
+     * Statutory share of program cost (35/50/65/80/85). Standard premium is 25%,
+     * so Part B total = partBStandardMonthly * applicablePct / 25.
+     */
+    applicablePct: number;
+    /** Published monthly Part D surcharge. null = not yet verified for this year. */
+    partDSurchargeMonthly: number | null;
+}
+export interface ParameterPack {
+    year: number;
+    federalTax: {
+        brackets: PerStatus<TaxBracket[]>;
+        standardDeduction: PerStatus<number>;
+        /** Additional standard deduction at 65+ (per qualifying person for MFJ). */
+        age65Addition: PerStatus<number>;
+        /**
+         * SALT (state + local + property tax) itemized-deduction cap. OBBBA raised it
+         * to $40k for 2025 (+1%/yr through 2029, reverting to $10k in 2030). The
+         * high-income (>$500k MAGI) phase-out toward a $10k floor is not modeled.
+         */
+        saltCap: number;
+        /**
+         * Net capital loss deductible against ordinary income per year ($3,000;
+         * $1,500 MFS — not modeled). Statutory, never indexed since 1978; the
+         * remainder carries forward indefinitely.
+         */
+        capitalLossOrdinaryOffsetLimit: number;
+        /**
+         * IRC §121 primary-residence gain exclusion caps ($250k single / $500k
+         * joint). Statutory, unchanged since 1997 and never inflation-indexed —
+         * do not apply limitScale/inflation projection to these.
+         */
+        section121Exclusion: PerStatus<number>;
+        /** OBBBA senior deduction (2025–2028): per person 65+, MAGI phase-out. */
+        seniorDeduction: {
+            amountPerPerson: number;
+            magiPhaseOutStart: PerStatus<number>;
+            phaseOutRatePct: number;
+            lastApplicableYear: number;
+        } | null;
+        /** Planning-grade individual AMT screen (Form 6251 thresholds). */
+        amt: {
+            exemption: PerStatus<number>;
+            exemptionPhaseOutStart: PerStatus<number>;
+            exemptionPhaseOutRatePct: number;
+            rate28StartsAbove: number;
+            rate26Pct: number;
+            rate28Pct: number;
+        };
+    };
+    capitalGains: {
+        /** Taxable-income thresholds where the 15% and 20% LTCG rates begin. */
+        rate15StartsAbove: PerStatus<number>;
+        rate20StartsAbove: PerStatus<number>;
+    };
+    niit: {
+        ratePct: number;
+        /** MAGI thresholds; statutorily unindexed. */
+        magiThreshold: PerStatus<number>;
+    };
+    /** Provisional-income thresholds for Social Security benefit taxation (unindexed). */
+    ssBenefitTaxation: {
+        tier50Start: PerStatus<number>;
+        tier85Start: PerStatus<number>;
+    };
+    contributionLimits: {
+        employee401k: number;
+        catchUp50: number;
+        /** SECURE 2.0 ages 60–63 "super" catch-up (replaces catchUp50). */
+        superCatchUp60to63: number;
+        /** Prior-year FICA wages above this force catch-ups to be Roth. */
+        rothCatchUpWageThreshold: number;
+        ira: number;
+        iraCatchUp50: number;
+        hsaSelfOnly: number;
+        hsaFamily: number;
+        hsaCatchUp55: number;
+        /** IRS Section 415(c)(1)(A) defined contribution total additions limit. */
+        section415cLimit: number;
+    };
+    rmd: {
+        /** IRS Uniform Lifetime Table (Pub 590-B, 2022+): age -> divisor. */
+        uniformLifetimeTable: Record<number, number>;
+        /** Annual QCD exclusion limit. */
+        qcdAnnualLimit: number;
+    };
+    /** Fixed-annuity purchase planning parameters (guaranteed-income depth). */
+    annuities: {
+        /**
+         * QLAC (Qualified Longevity Annuity Contract) maximum premium that a
+         * qualified purchase may exclude from the owner's RMD balances. SECURE 2.0
+         * removed the 25%-of-balance limit, leaving a flat, inflation-indexed dollar
+         * cap. Premium above the cap is not QLAC-eligible.
+         */
+        qlacPremiumCap: number;
+        /**
+         * IRS Pub 939 Table V (ordinary life annuity, one life) expected-return
+         * multiples: age at the annuity starting date → remaining life expectancy
+         * in years. Used to derive the non-qualified exclusion ratio
+         * (investment-in-contract ÷ expected return). Ages between table entries
+         * interpolate linearly; ages outside the table clamp to the endpoints.
+         */
+        expectedReturnMultiples: Record<number, number>;
+    };
+    /** HECM (reverse mortgage) planning parameters (annuity-pension-and-home-equity decisions). */
+    hecm: {
+        /**
+         * Published principal-limit factors (percent of home value available as
+         * the initial principal limit) by age of the youngest borrower, at the
+         * expected rate below. Used only as the planning default when the user
+         * has not entered a lender-quoted line size; ages between entries
+         * interpolate linearly and ages outside clamp to the endpoints.
+         */
+        principalLimitFactorPctByAge: Record<number, number>;
+        /** Expected interest rate the factor table was published at (context for the UI). */
+        plfExpectedRatePct: number;
+        /** Planning default for line/loan growth (note rate + annual MIP). */
+        defaultGrowthRatePct: number;
+    };
+    medicare: {
+        partBStandardMonthly: number;
+        /** Ascending by threshold. */
+        irmaaTiers: IrmaaTier[];
+    };
+    socialSecurity: {
+        colaPct: number;
+        taxableWageBase: number;
+        /** Annual exempt amounts for the retirement earnings test. */
+        earningsTestBelowFraAnnual: number;
+        earningsTestFraYearAnnual: number;
+        /**
+         * Substantial Gainful Activity (SGA) monthly earnings limit for SSDI: wages
+         * above this generally stop disability benefits. (Statutorily blind SGA is
+         * higher; not modeled.) @see DOCS/domain/domain-rules-reference.md §4 SSDI
+         */
+        sgaMonthlyNonBlind: number;
+        /**
+         * Employee-side OASDI payroll-tax rate (%). The employer pays the same again;
+         * the self-employed pay double (12.4%). Used only for the "what you paid in
+         * vs. what you get back" education readout (no working-years tax is modeled in
+         * the projection). Statutory since 1990; applied uniformly over the career
+         * (historical rate drift pre-1990 is a documented simplification).
+         */
+        oasdiEmployeeRatePct: number;
+    };
+    /** HHS poverty guideline (48 contiguous states) used for ACA in this coverage year. */
+    federalPovertyLine: {
+        firstPerson: number;
+        perAdditionalPerson: number;
+    };
+    /** ACA premium-tax-credit scale (post-2025: enhanced credits expired, 400% FPL cliff restored). */
+    aca: {
+        /**
+         * Expected-contribution percentage of MAGI, piecewise-linear between
+         * breakpoints sorted by fplPct. Income above maxFplPctForCredit gets no
+         * credit at all (the cliff).
+         */
+        applicablePctBreakpoints: Array<{
+            fplPct: number;
+            applicablePct: number;
+        }>;
+        maxFplPctForCredit: number;
+    };
+}

package/dist/params/types.js

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+/**
+ * Annual parameter pack shape. One pack per tax year; values come from IRS,
+ * SSA, CMS, and HHS releases each fall. Refreshing a year is a data-only PR.
+ *
+ * Sources and the meaning of each figure: DOCS/domain/domain-rules-reference.md.
+ */
+export {};

package/dist/projection/annuityForms.d.ts

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+/**
+ * Annuity payout forms: payment continuation and exclusion-ratio inputs per
+ * form (annuity-pension-and-home-equity decisions, step 1).
+ *
+ * The IRS Pub 939 General Rule prices a non-qualified annuity's tax-free share
+ * as investment-in-contract ÷ expected return, where expected return = annual
+ * payment × an expected-return multiple. The multiple depends on the payout
+ * form:
+ *  - life-only: Pub 939 Table V by age at the starting date (embedded in the
+ *    parameter pack — the shipped guaranteed-income behavior);
+ *  - life with N years certain: Pub 939 adjusts the investment for the value
+ *    of the refund/period-certain feature (Tables III/VII). We approximate the
+ *    same economics from the payment side: the expected payment stream can
+ *    never be shorter than the guarantee, so the multiple is
+ *    max(Table V multiple, N). Documented planning-grade approximation;
+ *  - joint & survivor: Pub 939 uses Tables VI/VIA (joint last-survivor and
+ *    joint-life multiples). We decompose by expectation instead — exactly the
+ *    stream the ledger pays: the full payment for the owner's expected
+ *    lifetime (Table V) plus the survivor share for the years the joint
+ *    annuitant is expected to outlive the owner (joint last-survivor
+ *    expectancy from the SSA-derived mortality model, per-sex where Pub 939's
+ *    tables are unisex). Same General-Rule method, sourced from the tables
+ *    already in the repo.
+ *
+ * In all forms the exclusion ratio is fixed at the starting date and the
+ * excludable share of each payment continues to a survivor/beneficiary until
+ * the investment is recovered (IRS Pub 575/939 treatment).
+ */
+import type { Account, AnnuityPayoutForm, Person } from '../model/plan.js';
+import type { ParameterPack } from '../params/types.js';
+type AnnuityAccount = Extract<Account, {
+    type: 'annuity';
+}>;
+/** The payout form in effect; absent = life-only (legacy behavior). */
+export declare function annuityPayoutForm(account: AnnuityAccount): AnnuityPayoutForm;
+/**
+ * Expected-return multiple (years of the FULL annual payment) for the
+ * exclusion ratio under the account's payout form. `owner` is the annuitant;
+ * `joint` is the other household member for a joint-and-survivor form (the
+ * form is validated to require a two-person household).
+ */
+export declare function annuityExclusionMultiple(pack: ParameterPack, account: AnnuityAccount, owner: Person, joint: Person | undefined): number;
+/**
+ * Fraction of the full payment paid this year under the payout form.
+ *  - life-only: 1 while the owner is alive, else 0;
+ *  - period certain: 1 while the owner is alive; after the owner's death the
+ *    remaining guaranteed years continue to the household (any member alive).
+ *    Documented simplification: if the whole household dies inside the
+ *    guarantee window, the remaining certain payments (which a real contract
+ *    would keep paying to a beneficiary or the estate) are not modeled — the
+ *    ledger has no post-household cash-flow path, so a long guarantee's
+ *    estate value is understated in that case (domain rules §19);
+ *  - joint & survivor: 1 while the owner is alive, survivorPct% while the
+ *    joint annuitant survives them.
+ */
+export declare function annuityPayoutFraction(form: AnnuityPayoutForm, state: {
+    ownerAlive: boolean;
+    otherAlive: boolean;
+    anyAlive: boolean;
+    yearsSinceStart: number;
+}): number;
+export {};

package/dist/projection/annuityForms.js

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+/**
+ * Annuity payout forms: payment continuation and exclusion-ratio inputs per
+ * form (annuity-pension-and-home-equity decisions, step 1).
+ *
+ * The IRS Pub 939 General Rule prices a non-qualified annuity's tax-free share
+ * as investment-in-contract ÷ expected return, where expected return = annual
+ * payment × an expected-return multiple. The multiple depends on the payout
+ * form:
+ *  - life-only: Pub 939 Table V by age at the starting date (embedded in the
+ *    parameter pack — the shipped guaranteed-income behavior);
+ *  - life with N years certain: Pub 939 adjusts the investment for the value
+ *    of the refund/period-certain feature (Tables III/VII). We approximate the
+ *    same economics from the payment side: the expected payment stream can
+ *    never be shorter than the guarantee, so the multiple is
+ *    max(Table V multiple, N). Documented planning-grade approximation;
+ *  - joint & survivor: Pub 939 uses Tables VI/VIA (joint last-survivor and
+ *    joint-life multiples). We decompose by expectation instead — exactly the
+ *    stream the ledger pays: the full payment for the owner's expected
+ *    lifetime (Table V) plus the survivor share for the years the joint
+ *    annuitant is expected to outlive the owner (joint last-survivor
+ *    expectancy from the SSA-derived mortality model, per-sex where Pub 939's
+ *    tables are unisex). Same General-Rule method, sourced from the tables
+ *    already in the repo.
+ *
+ * In all forms the exclusion ratio is fixed at the starting date and the
+ * excludable share of each payment continues to a survivor/beneficiary until
+ * the investment is recovered (IRS Pub 575/939 treatment).
+ */
+import { annuityExpectedReturnMultiple } from '../params/index.js';
+import { jointLastSurvivorExpectancy } from '../montecarlo/mortality.js';
+/** The payout form in effect; absent = life-only (legacy behavior). */
+export function annuityPayoutForm(account) {
+    return account.payoutForm ?? { kind: 'lifeOnly' };
+}
+/**
+ * Expected-return multiple (years of the FULL annual payment) for the
+ * exclusion ratio under the account's payout form. `owner` is the annuitant;
+ * `joint` is the other household member for a joint-and-survivor form (the
+ * form is validated to require a two-person household).
+ */
+export function annuityExclusionMultiple(pack, account, owner, joint) {
+    const form = annuityPayoutForm(account);
+    const lifeMultiple = annuityExpectedReturnMultiple(pack, account.startAge);
+    if (form.kind === 'lifeOnly')
+        return lifeMultiple;
+    if (form.kind === 'periodCertain') {
+        // The guarantee floors the expected payment years at the certain period.
+        return Math.max(lifeMultiple, form.certainYears);
+    }
+    if (!joint)
+        return lifeMultiple;
+    // Joint & survivor: full payment for the owner's expected lifetime, then
+    // survivorPct of it for the expected years the joint annuitant survives the
+    // owner. Ages at the starting date: the joint annuitant's age when the owner
+    // attains startAge.
+    const ownerBirthYear = Number(owner.dob.slice(0, 4));
+    const jointBirthYear = Number(joint.dob.slice(0, 4));
+    const jointAgeAtStart = account.startAge + (ownerBirthYear - jointBirthYear);
+    const jointExpectancy = jointLastSurvivorExpectancy(account.startAge, owner.sex, Math.max(0, jointAgeAtStart), joint.sex);
+    const survivorYears = Math.max(0, jointExpectancy - lifeMultiple);
+    return lifeMultiple + (form.survivorPct / 100) * survivorYears;
+}
+/**
+ * Fraction of the full payment paid this year under the payout form.
+ *  - life-only: 1 while the owner is alive, else 0;
+ *  - period certain: 1 while the owner is alive; after the owner's death the
+ *    remaining guaranteed years continue to the household (any member alive).
+ *    Documented simplification: if the whole household dies inside the
+ *    guarantee window, the remaining certain payments (which a real contract
+ *    would keep paying to a beneficiary or the estate) are not modeled — the
+ *    ledger has no post-household cash-flow path, so a long guarantee's
+ *    estate value is understated in that case (domain rules §19);
+ *  - joint & survivor: 1 while the owner is alive, survivorPct% while the
+ *    joint annuitant survives them.
+ */
+export function annuityPayoutFraction(form, state) {
+    if (form.kind === 'lifeOnly')
+        return state.ownerAlive ? 1 : 0;
+    if (form.kind === 'periodCertain') {
+        if (state.ownerAlive)
+            return 1;
+        return state.yearsSinceStart < form.certainYears && state.anyAlive ? 1 : 0;
+    }
+    if (state.ownerAlive)
+        return 1;
+    return state.otherAlive ? form.survivorPct / 100 : 0;
+}

package/dist/projection/compare.d.ts

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+/**
+ * Projection summaries and the convert-vs-don't comparison (roadmap V3).
+ * Scenario diffing generalizes in V4; this covers the headline question.
+ */
+import type { Plan } from '../model/plan.js';
+import { type SimulateOptions } from './simulate.js';
+import type { ProjectionResult } from './types.js';
+export type EstateDestination = 'spouse' | 'nonSpouse' | 'charity';
+/** How one account's ending balance is discounted on the way to heirs/charity. */
+export interface EstateAccountBreakdown {
+    accountId: string;
+    name: string;
+    category: 'cash' | 'taxable' | 'traditional' | 'roth' | 'hsa';
+    grossBalance: number;
+    destination: EstateDestination;
+    /** Pre-tax portion exposed to heir income tax (traditional net of 8606 basis; non-spouse HSA). */
+    taxablePretaxBase: number;
+    heirTaxRatePct: number;
+    /** Portion passing to charity, untaxed. */
+    charityAmount: number;
+    heirTax: number;
+    /** grossBalance − charityAmount − heirTax. */
+    netToHeirs: number;
+}
+export interface ProjectionSummary {
+    /** Sum of taxes and penalties over the whole projection. */
+    lifetimeTaxesAndPenalties: number;
+    lifetimeRothConversions: number;
+    endingInvestable: number;
+    endingNetWorth: number;
+    /**
+     * Ending net worth net of the income tax heirs owe on inherited pre-tax
+     * (traditional) balances, at the plan's assumed heir tax rate. Nondeductible
+     * (after-tax) IRA basis remaining at the horizon is excluded — the heir
+     * inherits it tax-free and files a separate Form 8606. Roth, taxable
+     * (stepped-up at death), cash, and property are treated as passing through
+     * untaxed — the standard simplification for an estate comparison. An HSA
+     * left to a non-spouse beneficiary is fully taxable in the death year (IRC
+     * §223(f)(8)(B)), so its ending balance is also taxed at the heir rate; an
+     * HSA inherited by a spouse (or with no beneficiary set) passes untaxed.
+     */
+    endingAfterTaxEstate: number;
+    /** Total heir income tax discounted from the estate (sum of the breakdown's heirTax). */
+    endingEstateHeirTax: number;
+    /** Total passing to charity untaxed (sum of the breakdown's charityAmount). */
+    endingEstateToCharity: number;
+    /** Per-account estate discounting, so the summary can explain each class's haircut. */
+    estateBreakdown: EstateAccountBreakdown[];
+    /** End-of-plan balance by account category. */
+    endingByCategory: {
+        cash: number;
+        taxable: number;
+        traditional: number;
+        roth: number;
+        hsa: number;
+    };
+    depletionYear: number | null;
+    warnings: string[];
+    savingsRates: Array<{
+        year: number;
+        ratePct: number;
+    }>;
+    averagePreRetirementSavingsRatePct: number;
+    fiNumber: number;
+    fiYear: number | null;
+    fiAge: number | null;
+    coastFireNumber: number;
+}
+export declare function summarizeProjection(plan: Plan, result: ProjectionResult): ProjectionSummary;
+export interface RothComparison {
+    withConversions: ProjectionSummary;
+    withoutConversions: ProjectionSummary;
+}
+/** Runs the plan as-is and with conversions disabled, for side-by-side display. */
+export declare function compareRothConversion(plan: Plan, opts: SimulateOptions): RothComparison;
+export interface LtcStressComparison {
+    /** No care episode, LTC policies held out — the premium-neutral baseline. */
+    noCare: ProjectionSummary;
+    /** The care episode occurs and is fully self-funded (LTC policies removed). */
+    careUninsured: ProjectionSummary;
+    /** The care episode occurs with the plan's LTC policies (premiums + benefits). */
+    careInsured: ProjectionSummary;
+    hasCareEvents: boolean;
+    hasLtcPolicy: boolean;
+}
+/**
+ * The "LTC stress" comparison: how a deterministic care episode hits the plan,
+ * and what the LTC policy does about it.
+ *
+ * noCare and careUninsured both hold LTC out, so they differ only by the care
+ * episode — `noCare − careUninsured` is the raw care shock, free of premium
+ * effects. careInsured adds the policies back, so `careInsured − careUninsured`
+ * is the policy's value *net of its premiums* (it can be negative if lifetime
+ * premiums exceed the benefits paid). The UI labels it as such.
+ */
+export declare function compareLtcStress(plan: Plan, opts: SimulateOptions): LtcStressComparison;