col: simulator auto-adjusts spending to local prices via Numbeo+Expatistan

The Monte Carlo used to compare jurisdictions at a flat London-equivalent
spend, which silently overstated the cost-of-living for any move to a
cheaper region. Now every cross-jurisdiction simulation auto-scales
spending_gbp by the real Numbeo/Expatistan ratio between the user's
baseline city and the target city.

Architecture:
- fire_planner/col/baseline.py — 22 cities with headline Numbeo data
  (source URLs + snapshot dates embedded) — fallback when scraper fails
- col/numbeo.py + col/expatistan.py — httpx async scrapers, regex-parsed,
  polite 1.1s rate-limit, EUR/USD anchored
- col/cache.py — PG-backed cache (col_snapshot table, 1-year TTL)
- col/service.py — sync compute_col_ratio() for the simulator; async
  lookup_city_cached() with source reconciliation for the refresh CronJob
- alembic 0005 — col_snapshot table, UNIQUE(city_slug, source_name)

Simulator wiring:
- SimulateRequest gains col_auto_adjust=True (default), col_baseline_city,
  col_target_city. Defaults pick the jurisdiction's representative city.
- _resolve_col_adjustment scales spending_gbp before path-building.
- SimulateResult surfaces col_multiplier_applied + col_adjusted_spending_gbp.

CLIs:
- python -m fire_planner col-seed — loads BASELINES into col_snapshot
  (post-migration seed step)
- python -m fire_planner col-refresh-stale --within-days 7 — used by the
  weekly fire-planner-col-refresh CronJob

268 tests pass. Mypy strict + ruff clean.

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

tests/test_simulator_col_integration.py

@@ -0,0 +1,91 @@
+"""Simulator + COL integration — verifies `_resolve_col_adjustment` is
+applied to the request before paths are built and surfaced in the result.
+
+These tests bypass HTTP and call the resolver directly to keep them fast.
+"""
+from __future__ import annotations
+
+from decimal import Decimal
+
+from fire_planner.api.schemas import SimulateRequest
+from fire_planner.api.simulate import _resolve_col_adjustment
+
+
+def _req(**overrides: object) -> SimulateRequest:
+    base = dict(
+        jurisdiction="uk",
+        strategy="trinity",
+        leave_uk_year=0,
+        spending_gbp=Decimal("85000"),
+        nw_seed_gbp=Decimal("1050000"),
+        horizon_years=73,
+    )
+    base.update(overrides)
+    return SimulateRequest(**base)  # type: ignore[arg-type]
+
+
+def test_col_default_on_for_known_jurisdiction() -> None:
+    """Default config + cyprus jurisdiction → multiplier ~0.67."""
+    req = _req(jurisdiction="cyprus", leave_uk_year=2)
+    adj, mult, adj_spend, city = _resolve_col_adjustment(req)
+    assert mult is not None and Decimal("0.55") < mult < Decimal("0.75")
+    assert city == "limassol"
+    assert adj_spend is not None and adj_spend < Decimal("85000")
+    assert adj.spending_gbp == adj_spend  # the simulator runs on the adjusted figure
+
+
+def test_col_off_returns_unchanged_request() -> None:
+    req = _req(jurisdiction="cyprus", leave_uk_year=2, col_auto_adjust=False)
+    adj, mult, adj_spend, city = _resolve_col_adjustment(req)
+    assert mult is None
+    assert adj_spend is None
+    assert city is None
+    assert adj.spending_gbp == Decimal("85000")
+    # The returned request is the same instance — no copy when no-op.
+    assert adj is req
+
+
+def test_col_nomad_jurisdiction_skipped() -> None:
+    """Nomad has no representative city — auto-adjust should silently skip."""
+    req = _req(jurisdiction="nomad", leave_uk_year=2)
+    adj, mult, adj_spend, city = _resolve_col_adjustment(req)
+    assert mult is None
+    assert adj_spend is None
+    assert city is None  # no representative city for nomad
+
+
+def test_col_uk_to_uk_identity_returns_no_multiplier() -> None:
+    """UK staying in UK is identity — surface the city but no scaling."""
+    req = _req(jurisdiction="uk", leave_uk_year=0)
+    adj, mult, adj_spend, city = _resolve_col_adjustment(req)
+    assert mult is None
+    assert adj_spend is None
+    assert city == "london"
+    assert adj.spending_gbp == Decimal("85000")
+
+
+def test_col_explicit_target_city_overrides_jurisdiction_default() -> None:
+    """User picks Sofia explicitly even though jurisdiction is cyprus."""
+    req = _req(jurisdiction="cyprus", leave_uk_year=2, col_target_city="sofia")
+    adj, mult, adj_spend, city = _resolve_col_adjustment(req)
+    assert city == "sofia"
+    # sofia ratio ~0.41 — should be smaller than the limassol default
+    assert mult is not None and mult < Decimal("0.50")
+
+
+def test_col_unknown_city_degrades_gracefully() -> None:
+    """Unknown city → skip, do not raise — Phase-2 scraper will close gap."""
+    req = _req(jurisdiction="cyprus", leave_uk_year=2, col_target_city="atlantis")
+    adj, mult, adj_spend, city = _resolve_col_adjustment(req)
+    assert mult is None
+    assert adj_spend is None
+    assert city == "atlantis"  # the requested name is still echoed
+    assert adj.spending_gbp == Decimal("85000")
+
+
+def test_col_bangkok_dramatic_discount() -> None:
+    req = _req(jurisdiction="thailand", leave_uk_year=2)
+    adj, mult, adj_spend, city = _resolve_col_adjustment(req)
+    assert city == "bangkok"
+    assert mult is not None and mult < Decimal("0.35")
+    assert adj_spend is not None and adj_spend < Decimal("30000")  # £85k → ~£24k