{
      "tool_id": "art-283-pension-lump-sum-vs-annuity-decision-engine",
      "tool_version": "1.0.0",
      "display_name": "Pension Lump-Sum vs. Annuity Decision Engine",
      "mcp_name": "compare_pension_lump_sum_annuity",
      "mandate_type": "compliance_mandate",
      "wave": 50,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-283-pension-lump-sum-vs-annuity-decision-engine.html",
      "description": "Compares a defined-benefit pension lump-sum offer against the single-life and joint-survivor annuity streams: present value at the stated discount rate with an optional labeled COLA assumption, survivor-option monthly cost, break-even discount rate, and undiscounted break-even age. Terminal node of the retirement-decumulation-decisions chain. Figures are user-supplied off the claimant's own election paperwork, no PII stored. NaN-safe. Zero network.",
      "input_schema_ref": "chaingraph/art-283-pension-lump-sum-vs-annuity-decision-engine.html#manifest",
      "consumes": [
        "art-282-social-security-claiming-optimizer"
      ],
      "feeds": [],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:f6d1afb8e2ecf41c2176368c4f1383cba8b5ffe9cbfed4ac2b8f12760984e828","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-10"}],
      "export_capability": [
        "json",
        "vc"
      ],
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "MF4JKSOBiHc/jElpjIk9k7hoiq70uhjmKsto9XRB9JImUNJzW08UJ4FJ0t6NSiokqUoBfedVZSxI0jyN5TTt7AOQLmKbUPUVQLoextOnLqfllkP891m+t8z6FISDSdxUGp1+sBxJQ0/Euv944+1xQjofhbRNYxr5PV/ECtMe1MIPXjfSGXlkOMwPJdEC9bXe1LDbNwYEibk8oOXdN3H9HC75AAyl8NkaKnpaWwvIa+LesLEPj1j1prpOL0f/2+A8L1V6cxoIwt850OLXZZMP+T+f+2MtSrOQNgXGogm+PK8A4Bv3dIVQ4rh1kYR2RqLcndLFxM8zPA0e+qYG1KlM/g==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:f6d1afb8e2ecf41c2176368c4f1383cba8b5ffe9cbfed4ac2b8f12760984e828",
          "output": {
            "annuityPV": 479957.2447459364,
            "breakEvenAge": 78,
            "breakEvenRate": 9.1089965190159,
            "colaApplied": true,
            "lumpSum": 300000,
            "recommendation": "annuity",
            "reinvestmentRequiredReturn": 9.1089965190159,
            "survivorOptionCostMonthly": 200,
            "survivorPct": 75
          }
        }
      }
    }