examples: simulator response gains examples_overlay block

Adds an informational `examples_overlay` field to SimulateResult,
populated from `summary_for_country` for the scenario's target country.
Never affects simulation paths — lookup failures are caught and logged,
yielding overlay=None. Wired into both /simulate and /compare; the
shared session in /compare is used sequentially because AsyncSession
is not safe for concurrent use.

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

fire_planner/api/schemas.py

@@ -522,6 +522,19 @@ class SimulateRequest(BaseModel):
     col_target_city: str | None = None
 
 
+class ExamplesOverlay(BaseModel):
+    """Informational layer on a simulator response — real-world Reddit
+    examples for the scenario's target country. Never affects paths."""
+
+    country: str
+    count: int
+    portfolio_gbp_median: Decimal | None = None
+    portfolio_gbp_p25: Decimal | None = None
+    portfolio_gbp_p75: Decimal | None = None
+    annual_exp_gbp_median: Decimal | None = None
+    sample_links: list[str] = Field(default_factory=list)
+
+
 class SimulateResult(BaseModel):
     success_rate: Decimal
     p10_ending_gbp: Decimal
@@ -539,6 +552,10 @@ class SimulateResult(BaseModel):
     col_multiplier_applied: Decimal | None = None
     col_adjusted_spending_gbp: Decimal | None = None
     col_target_city: str | None = None
+    # Informational only — real-world Reddit examples for the scenario's
+    # target country. Never affects simulation behaviour; failures during
+    # lookup are swallowed so the simulator response is never sunk.
+    examples_overlay: ExamplesOverlay | None = None
 
 
 class CompareRequest(BaseModel):

fire_planner/api/simulate.py

@@ -10,23 +10,27 @@ Returns a fan-chart series in the same shape as
 from __future__ import annotations
 
 import asyncio
+import logging
 import time
 from decimal import Decimal
 from pathlib import Path
 
 import numpy as np
-from fastapi import APIRouter, HTTPException
-from sqlalchemy.ext.asyncio import async_sessionmaker
+from fastapi import APIRouter, Depends, HTTPException
+from sqlalchemy.ext.asyncio import AsyncSession, async_sessionmaker
 
+from fire_planner.api.dependencies import get_session
 from fire_planner.api.schemas import (
     CompareRequest,
     CompareResult,
+    ExamplesOverlay,
     GoalProbability,
     ProjectionPoint,
     SimulateRequest,
     SimulateResult,
 )
 from fire_planner.col import compute_col_ratio, representative_city_for
+from fire_planner.examples.service import summary_for_country
 from fire_planner.flex_spending import FlexRule as EngineFlexRule
 from fire_planner.glide_path import static
 from fire_planner.goals_eval import evaluate_goals
@@ -48,8 +52,59 @@ from fire_planner.simulator import SimulationResult, build_fixed_paths, simulate
 
 router = APIRouter(tags=["simulate"])
 
+log = logging.getLogger(__name__)
+
 _RETURNS_CSV = Path("/data/shiller_returns.csv")
 
+# Maps `SimulateRequest.jurisdiction` (lowercase slug used throughout the
+# planner — e.g. "thailand") to the country name as stored in
+# `fire_example.country` (e.g. "Thailand"). The keys mirror
+# `JURISDICTION_REPRESENTATIVE_CITY` so the overlay covers every
+# jurisdiction with a fixed country. `nomad` has no fixed country and is
+# intentionally absent.
+_JURISDICTION_COUNTRY: dict[str, str] = {
+    "uk": "United Kingdom",
+    "cyprus": "Cyprus",
+    "bulgaria": "Bulgaria",
+    "uae": "United Arab Emirates",
+    "malaysia": "Malaysia",
+    "thailand": "Thailand",
+}
+
+
+def _resolve_target_country_for_examples(req: SimulateRequest) -> str | None:
+    return _JURISDICTION_COUNTRY.get(req.jurisdiction.lower())
+
+
+async def _build_examples_overlay(
+    session: AsyncSession,
+    req: SimulateRequest,
+) -> ExamplesOverlay | None:
+    """Look up real-world Reddit examples for the scenario's target
+    country. Returns None when the jurisdiction has no fixed country
+    (e.g. nomad), when no examples are stored, or when the lookup
+    fails for any reason — examples are informational and must never
+    sink a successful simulation."""
+    try:
+        country = _resolve_target_country_for_examples(req)
+        if country is None:
+            return None
+        summary = await summary_for_country(session, country)
+        if summary.count == 0:
+            return None
+        return ExamplesOverlay(
+            country=summary.country,
+            count=summary.count,
+            portfolio_gbp_median=summary.portfolio_gbp.median,
+            portfolio_gbp_p25=summary.portfolio_gbp.p25,
+            portfolio_gbp_p75=summary.portfolio_gbp.p75,
+            annual_exp_gbp_median=summary.annual_exp_gbp.median,
+            sample_links=summary.sample_links,
+        )
+    except Exception:
+        log.warning("examples_overlay lookup failed", exc_info=True)
+        return None
+
 
 def _resolve_col_adjustment(
     req: SimulateRequest,
@@ -227,6 +282,7 @@ def _to_response(
     col_multiplier: Decimal | None = None,
     col_adjusted_spend: Decimal | None = None,
     col_target_city: str | None = None,
+    examples_overlay: ExamplesOverlay | None = None,
 ) -> SimulateResult:
     # portfolio_real has n_years+1 columns (year 0 = seed, year k = end-of-year k).
     # withdrawal_real / tax_real have n_years columns (year k = withdrawn in year k+1).
@@ -282,11 +338,15 @@ def _to_response(
         col_adjusted_spending_gbp=(Decimal(str(round(float(col_adjusted_spend), 2)))
                                    if col_adjusted_spend is not None else None),
         col_target_city=col_target_city,
+        examples_overlay=examples_overlay,
     )
 
 
 @router.post("/simulate", response_model=SimulateResult)
-async def simulate_one(req: SimulateRequest) -> SimulateResult:
+async def simulate_one(
+    req: SimulateRequest,
+    session: AsyncSession = Depends(get_session),
+) -> SimulateResult:
     """Run one scenario synchronously, no DB write. ~1-3s for 5k paths."""
     adjusted_req, mult, adj_spend, target_city = _resolve_col_adjustment(req)
     paths = await _build_paths(adjusted_req)
@@ -294,20 +354,34 @@ async def simulate_one(req: SimulateRequest) -> SimulateResult:
         result, elapsed = await asyncio.to_thread(_project, adjusted_req, paths)
     except KeyError as e:
         raise HTTPException(status_code=400, detail=f"Unknown name: {e}") from None
-    return _to_response(result, elapsed, adjusted_req, mult, adj_spend, target_city)
+    overlay = await _build_examples_overlay(session, adjusted_req)
+    return _to_response(
+        result, elapsed, adjusted_req, mult, adj_spend, target_city, overlay)
 
 
 @router.post("/compare", response_model=CompareResult)
-async def compare_scenarios(req: CompareRequest) -> CompareResult:
+async def compare_scenarios(
+    req: CompareRequest,
+    session: AsyncSession = Depends(get_session),
+) -> CompareResult:
     """Run 2-5 scenarios in parallel, return all results."""
-    async def one(s: SimulateRequest) -> SimulateResult:
+    async def one(s: SimulateRequest) -> tuple[SimulationResult, float, SimulateRequest,
+                                                Decimal | None, Decimal | None, str | None]:
         adjusted_s, mult, adj_spend, target_city = _resolve_col_adjustment(s)
         paths = await _build_paths(adjusted_s)
         result, elapsed = await asyncio.to_thread(_project, adjusted_s, paths)
-        return _to_response(result, elapsed, adjusted_s, mult, adj_spend, target_city)
+        return result, elapsed, adjusted_s, mult, adj_spend, target_city
 
     try:
-        results = await asyncio.gather(*(one(s) for s in req.scenarios))
+        projected = await asyncio.gather(*(one(s) for s in req.scenarios))
     except KeyError as e:
         raise HTTPException(status_code=400, detail=f"Unknown name: {e}") from None
+    # Overlay lookups must run sequentially — AsyncSession is not safe for
+    # concurrent use. The lookup is fast (single SELECT) and informational
+    # only, so per-scenario serial cost is negligible.
+    results = []
+    for result, elapsed, adjusted_s, mult, adj_spend, target_city in projected:
+        overlay = await _build_examples_overlay(session, adjusted_s)
+        results.append(_to_response(
+            result, elapsed, adjusted_s, mult, adj_spend, target_city, overlay))
     return CompareResult(results=results)

tests/test_api_simulate.py

@@ -6,6 +6,7 @@ point, the point is the endpoint produces a valid response shape.
 from __future__ import annotations
 
 from collections.abc import AsyncIterator
+from datetime import date
 from decimal import Decimal
 
 import pytest_asyncio
@@ -14,6 +15,7 @@ from sqlalchemy.ext.asyncio import AsyncEngine, AsyncSession, async_sessionmaker
 
 from fire_planner.api.dependencies import get_session
 from fire_planner.app import app
+from fire_planner.db import FireExample
 
 
 @pytest_asyncio.fixture
@@ -165,3 +167,48 @@ async def test_compare_rejects_single_scenario(client: AsyncClient) -> None:
         },
     )
     assert resp.status_code == 422  # pydantic validation
+
+
+async def test_simulate_response_includes_examples_overlay(
+        client: AsyncClient, session: AsyncSession) -> None:
+    """When examples exist for the scenario's target country, the
+    simulator response surfaces them as `examples_overlay` — purely
+    informational, never affects the simulation path."""
+    for i, amount in enumerate([300_000, 400_000, 500_000], start=1):
+        session.add(FireExample(
+            reddit_id=f"th{i:02d}",
+            source_sub="ExpatFIRE",
+            post_url=f"https://reddit.com/r/ExpatFIRE/comments/th{i:02d}",
+            post_date=date(2026, 1, 1),
+            post_title=f"Thailand FIRE {i}",
+            country="Thailand",
+            portfolio_gbp=Decimal(str(amount)),
+            annual_exp_gbp=Decimal("24000"),
+            fi_status="FIRE",
+            llm_model="qwen3-8b",
+        ))
+    await session.commit()
+
+    resp = await client.post(
+        "/simulate",
+        json={
+            "jurisdiction": "thailand",
+            "strategy": "trinity",
+            "leave_uk_year": 0,
+            "glide_path": "static_60_40",
+            "spending_gbp": "60000",
+            "nw_seed_gbp": "1500000",
+            "horizon_years": 30,
+            "n_paths": 100,
+            "seed": 42,
+        },
+    )
+    assert resp.status_code == 200, resp.text
+    body = resp.json()
+    assert "examples_overlay" in body
+    overlay = body["examples_overlay"]
+    assert overlay is not None
+    assert overlay["country"] == "Thailand"
+    assert overlay["count"] == 3
+    assert Decimal(overlay["portfolio_gbp_median"]) == Decimal("400000.00")
+    assert len(overlay["sample_links"]) == 3