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MATH ERROR REQUIRES CORRECTION. The present value annuity factor for n=22 years at r=4% is 13.29, not 14.45. This cascades through multiple figures. ALSO: Three specific statistics in Key Takeaways and one claim about cost reductions lack sources and appear hallucinated. These must be either cited or removed before publication. ALSO: Remove or soften final motivational filler phrases ('Don't let your family guess...', 'Calculate your actual needs today') to maintain professional tone. Please provide corrected source data for statistics or I will revise with removals. Pending corrections to these three issues.
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