b40defacf0
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Two fixes:
(1) Simulator: portfolio drain is now `w + tax(w)`, not just `w`.
The pre-2026-05-10 engine recorded tax in tax_hist but never
subtracted it from the portfolio, so changing jurisdiction only
moved the median_lifetime_tax cell — the fan chart, success
rate, and ending percentiles were identical for UK vs Cyprus
vs Malaysia. (The PLAYBOOK_VIKTOR.md memo from 2026-04-26
explicitly noted this: "Success rate is regime-independent…
tax doesn't drain the portfolio in this simulator.")
Mental model now: spending_target is what the user takes home;
the tax bill is an additional drag on the same pool. Higher-tax
jurisdictions therefore drain faster and lower the success
rate, which is the user's intuition. Trinity 4% effectively
becomes "4% take-home + tax overhead". 188 tests still pass —
most use Malaysia (0%) or hit the regime-independent code paths.
(2) /what-if and /scenarios/new now pre-fill nw_seed_gbp from
GET /networth on first mount (when the wealthfolio_sync mirror
has data), so opening the form starts from the user's real
portfolio total instead of the £1.5M placeholder. Once the user
edits the field, subsequent NW refetches don't clobber it
(nwAutoFilled latch).
Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>
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