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o=this.analyzeInflationImpact(r,s,l),x=this.performSensitivityAnalysis(t),v=this.generateAlternativeScenarios(t),p=this.generatePersonalizedRecommendation(t,c,v),d=this.analyzeRRQRisks(t,l);return{...c,impactInflation:o,analyseSensibilite:x,scenariosAlternatifs:v,recommandationPersonnalisee:p,riskAnalysis:d}}static analyzeInflationImpact(t,s,r){const a=this.calculatePresentValue(t,s,r,s,.025),i=this.calculatePresentValue(t,s,r,s,.03),l=a-i,c=t/Math.pow(1.025,30);return{tauxInflationReel:2.5,valeurActuelleAjustee:a,impactSur30Ans:l,pouvoirAchatProjetete:c}}static performSensitivityAnalysis(t){const{ageActuel:s,montantActuel:r,esperanceVie:a}=t,i={};for(let x=-5;x<=5;x++){const v=a+x;i[v]=this.calculatePresentValue(r,s,v,s)}const l={};[.015,.02,.025,.03,.035,.04].forEach(x=>{l[x*100]=this.calculatePresentValue(r,s,a,s,x)});const o=this.calculateBreakEvenAge(t);return{impactEsperanceVie:i,impactTauxInflation:l,seuilRentabilite:o,facteursCritiques:[{nom:"Espérance de vie",impactParAnnee:(i[a+1]-i[a-1])/2,sensibilite:"HAUTE"},{nom:"Taux d'inflation",impactParPourcent:(l[3.5]-l[2.5])/1,sensibilite:"MOYENNE"}]}}static generateAlternativeScenarios(t){const{ageActuel:s,montantActuel:r,montant70:a,montant72:i,esperanceVie:l}=t,c=[];if(s>=60&&c.push({nom:"Commencer immédiatement",ageDebut:s,montantMensuel:r,valeurActuelleNette:this.calculatePresentValue(r,s,l,s),avantages:["Revenus immédiats","Sécurité garantie","Pas de risque politique"],inconvenients:["Montant réduit à vie","Moins d'optimisation fiscale"]}),s<65){const o=this.calculateMontantSelonAge(r,65);c.push({nom:"Attendre l'âge normal (65 ans)",ageDebut:65,montantMensuel:o,valeurActuelleNette:this.calculatePresentValue(o,s,l,65),avantages:["Pension pleine sans réduction","Équilibre risque/rendement"],inconvenients:["Années sans revenu RRQ","Risque de changements futurs"]})}return s<70&&c.push({nom:"Reporter à 70 ans",ageDebut:70,montantMensuel:a,valeurActuelleNette:this.calculatePresentValue(a,s,l,70),avantages:["Pension maximisée","Bonification de 42%"],inconvenients:["Risque de longévité","Perte si décès prématuré"]}),s<72&&c.push({nom:"Reporter à 72 ans (NOUVEAU)",ageDebut:72,montantMensuel:i,valeurActuelleNette:this.calculatePresentValue(i,s,l,72),avantages:["Pension maximale absolue","Bonification de 58.8%"],inconvenients:["Risque de longévité élevé","Nombreuses années sans RRQ"]}),c.sort((o,x)=>x.valeurActuelleNette-o.valeurActuelleNette)}static generatePersonalizedRecommendation(t,s,r){const{ageActuel:a,situationFinanciere:i,esperanceVie:l,sexe:c}=t,o=c==="M"?82:86;let x,v=[],p=75;return i==="URGENTE"?(x="COMMENCER_MAINTENANT",v=["Votre situation financière nécessite des revenus immédiats","La sécurité prime sur l'optimisation","Risque réduit vs gains potentiels futurs"],p=90):l>o+3?(x="ATTENDRE_JUSQU_72",v=["Votre espérance de vie élevée favorise le report","Gain substantiel en valeur actualisée","Bonification maximale justifiée"],p=85):l<o-3?(x="COMMENCER_MAINTENANT",v=["Espérance de vie plus courte favorise le début immédiat","Réduction du risque de longévité","Maximisation des années de perception"],p=80):(x="STRATEGIE_FLEXIBLE",v=["Situation équilibrée - plusieurs options viables","Considérer une approche graduelle","Réévaluer annuellement selon la situation"],p=70),{decision:x,raisonnement:v,actionsConcretes:[{priorite:"HAUTE",action:"Vérifier votre relevé de participation RRQ",delai:"1 semaine",impact:"Validation des montants estimés"},{priorite:"MOYENNE",action:"Calculer vos besoins de revenus de retraite",delai:"2 semaines",impact:"Déterminer l'urgence des revenus RRQ"},{priorite:"MOYENNE",action:"Évaluer vos autres sources de revenus",delai:"1 mois",impact:"Optimiser la stratégie globale"}],timelineOptimal:[],niveauConfiance:p}}static calculateMontantSelonAge(t,s){if(s===65)return t;if(s<65){const a=(65-s)*12*this.PARAMS_2025.FACTEUR_REDUCTION_MENSUEL;return t*(1-a)}else{const a=(s-65)*12*this.PARAMS_2025.FACTEUR_BONIFICATION_MENSUEL;return t*(1+a)}}static calculatePresentValue(t,s,r,a,i=this.TAUX_INFLATION_REEL){let l=0;const c=r-s;for(let o=0;o<c;o++)if(s+o>=a){const v=t*12,p=Math.pow(1+i,o);l+=v/p}return l}static calculateBreakEvenAge(t){return 67}static analyzeRRQRisks(t,s){const{ageActuel:r,sexe:a}=t;return{risqueLongevite:s>(a==="M"?82:86)?.7:.3,risqueInflation:.6,risquePolitique:.4,strategiesMitigation:[{risque:"Longévité",strategie:"Diversifier les sources de revenus",impact:"Réduit la dépendance au RRQ",facilite:"MODERE"},{risque:"Inflation",strategie:"Investir dans des actifs anti-inflation",impact:"Protège le pouvoir d'achat",facilite:"DIFFICILE"}]}}}ve(dt,"PARAMS_2025",{MGA:68500,EXEMPTION_BASE:3500,TAUX_COTISATION_EMPLOYE:.0652,TAUX_COTISATION_EMPLOYEUR:.0652,FACTEUR_REDUCTION_MENSUEL:.006,FACTEUR_BONIFICATION_MENSUEL:.007,AGE_NORMAL:65,AGE_MINIMUM:60,AGE_MAXIMUM:72,PENSION_MAXIMALE_65_ANS:1364.6,PENSION_MAXIMALE_72_ANS:2166.98}),ve(dt,"TAUX_INFLATION_REEL",.025);class ns{static calculateOASGIS(t){const s=this.calculateOASAmount(t.anneesResidence),r=this.calculateOASClawback(t.revenuAnnuel,t.age),a=Math.max(0,s-r),i=this.calculateGISAmount(t.revenuAnnuel,t.statutConjoint,t.revenuConjoint);return{securiteVieillesse:{montantMensuel:a,ageDebut:t.age>=65?t.age:65,seuil_recuperation:this.SV_SEUIL_RECUPERATION_2025,recuperationPartielle:r,recuperationComplete:this.SV_SEUIL_RECUPERATION_COMPLETE_2025},supplementRevenuGaranti:i,optimisationCombinaison:this.optimizeOASGISCombination(a,i,t.revenuAnnuel)}}static calculateOASAmount(t){const s=Math.min(t/40,1);return this.SV_MONTANT_MAX_2025*s}static calculateOASClawback(t,s){const r=s>=75?153771:this.SV_SEUIL_RECUPERATION_2025;if(t<=r)return 0;const a=.15,i=t-r;return Math.min(i*a/12,this.SV_MONTANT_MAX_2025)}static calculateGISAmount(t,s,r){const a=t+(r||0),i=s==="SEUL"?this.SRG_SEUIL_REVENUE_MAX_2025:this.SRG_SEUIL_REVENUE_MAX_2025*1.32;if(!(a<=i))return{montantMensuel:0,seuilRevenu:i,eligible:!1,combinaisonOptimale:!1};const c=s==="SEUL"?this.SRG_MONTANT_MAX_2025:this.SRG_MONTANT_MAX_2025*.6,x=a*.5/12,v=Math.max(0,c-x);return{montantMensuel:v,seuilRevenu:i,eligible:!0,combinaisonOptimale:v>0}}static optimizeOASGISCombination(t,s,r){const a=t+s.montantMensuel;return{strategieRecommandee:s.eligible?"Commencer SV immédiatement à 65 ans - pas de bonification avec SRG":"Considérer reporter SV pour bonification si revenus élevés",impactFiscal:t*12*.15,revenuNetProjecte:a}}}ve(ns,"SV_MONTANT_MAX_2025",717.15),ve(ns,"SV_SEUIL_RECUPERATION_2025",90997),ve(ns,"SV_SEUIL_RECUPERATION_COMPLETE_2025",148451),ve(ns,"SRG_MONTANT_MAX_2025",1065.47),ve(ns,"SRG_SEUIL_REVENUE_MAX_2025",21456);class qa{static analyzeEmploymentImpact(t,s,r,a){const i=this.calculateAdjustedCurrentIncome(t,r),l=this.projectAnnualIncome(t,r,s,a),c=this.calculateAverageIncome5Years(t,r),o=this.calculateRetirementContributionsImpact(r,i,a-s),x=this.assessEmploymentRisks(t,s,r),v=this.generateEmploymentStrategies(t,s,x),p=this.identifyUrgentActions(t,s,x),d=this.generatePlanningScenarios(t,s,r,a);return{revenuActuelAjuste:i,revenuAnnuelProjetee:l,revenuMoyenSur5Ans:c,cotisationsRRQPerdues:o.rrqLoss,cotisationsRPCPerdues:o.cppLoss,impactPensionFinale:o.pensionImpact,risqueChomageRecurrent:x.unemploymentRecurrence,risqueRevenuInstable:x.incomeInstability,risqueRetraiteRetardee:x.delayedRetirement,strategiesRecommandees:v,actionsUrgentes:p,scenarioOptimiste:d.optimistic,scenarioRealiste:d.realistic,scenarioPessimiste:d.pessimistic}}static calculateUnemploymentBenefits(t,s,r,a){let i;if(r<6?i=this.EI_PARAMS_2025.heuresRequises.regionFaibleChomage:r<=8.9?i=this.EI_PARAMS_2025.heuresRequises.regionMoyenChomage:i=this.EI_PARAMS_2025.heuresRequises.regionFortChomage,!(s>=i))return{enCours:!1,dateDebut:"",montantHebdomadaire:0,nombreSemainesEligibles:0,nombreSemainesUtilisees:0,montantMensuel:0,montantAnnuelProrate:0,typePrestation:"reguliere",regionEconomique:a,tauxChomageRegional:r,cotisationsRRQSuspendues:!0,cotisationsRPCSuspendues:!0,rechercheEmploiActive:!1};const c=Math.min(t*this.EI_PARAMS_2025.tauxPrestation,this.EI_PARAMS_2025.gainsMoyensMaximum),o=this.calculateBenefitDuration(s,r),x=c*4.33,v=c*o;return{enCours:!0,dateDebut:new Date().toISOString().split("T")[0],montantHebdomadaire:c,nombreSemainesEligibles:o,nombreSemainesUtilisees:0,montantMensuel:x,montantAnnuelProrate:v,typePrestation:"reguliere",regionEconomique:a,tauxChomageRegional:r,cotisationsRRQSuspendues:!0,cotisationsRPCSuspendues:!0,rechercheEmploiActive:!0}}static projectIncomeWithEmploymentGaps(t,s,r){const a=[];for(let i=0;i<r;i++){let l=t;if(s.statutEmploi1==="chomage_assurance"){const c=s.assuranceChomage1;c?.enCours&&(l=c.montantAnnuelProrate)}else if(s.statutEmploi1==="contrat_determine"){const c=s.contratTravail1;c&&(l=this.calculateContractIncome(c,i))}l*=Math.pow(1.025,i),a.push(l)}return a}static assessEmploymentRiskByAge(t,s,r,a){let i=0;t>=55?i+=30:t>=45?i+=15:t<25&&(i+=10),i+={technologie:5,sante:10,education:15,finance:20,manufacturier:35,retail:40,restauration:45,construction:30}[s.toLowerCase()]||25,i+={specialise:5,expert:10,intermediaire:20,debutant:35}[r]||25;const x=a.filter(v=>{const p=new Date(v.dateFin);return(new Date().getTime()-p.getTime())/(1e3*60*60*24*365)<=5}).filter(v=>v.raisonFin==="licenciement"||v.raisonFin==="fermeture").length;return i+=x*10,Math.min(100,Math.max(0,i))}static calculateAdjustedCurrentIncome(t,s){if(t.statutEmploi1==="chomage_assurance")return t.assuranceChomage1?.montantAnnuelProrate||0;if(t.statutEmploi1==="contrat_determine"){const r=t.contratTravail1;if(r){const a=this.calculateContractDurationMonths(r);return r.salaireContrat/a*12}}return s}static projectAnnualIncome(t,s,r,a){const i=a-r;return this.projectIncomeWithEmploymentGaps(s,t,i).reduce((c,o)=>c+o,0)/i}static calculateAverageIncome5Years(t,s){return this.projectIncomeWithEmploymentGaps(s,t,5).reduce((a,i)=>a+i,0)/5}static calculateRetirementContributionsImpact(t,s,r){const a=t-s,i=a*.0652,l=a*.0595,c=i*r,o=l*r,x=(c+o)*.02;return{rrqLoss:c,cppLoss:o,pensionImpact:x}}static assessEmploymentRisks(t,s,r){let a=0,i=0,l=0;return(t.statutEmploi1==="chomage_assurance"||t.statutEmploi1==="chomage_sans_assurance")&&(a=60,i=80,l=40),(t.statutEmploi1==="contrat_determine"||t.statutEmploi1==="emploi_temporaire")&&(a=40,i=60,l=25),s>=55&&(a+=20,l+=30),{unemploymentRecurrence:Math.min(100,a),incomeInstability:Math.min(100,i),delayedRetirement:Math.min(100,l)}}static generateEmploymentStrategies(t,s,r){const a=[];return t.statutEmploi1==="chomage_assurance"&&a.push({nom:"Maximiser la période d'assurance-emploi",description:"Utiliser pleinement les prestations tout en cherchant activement un emploi",priorite:"haute",delaiImplementation:"Immédiat",impactFinancier:15e3,difficulte:"facile",etapes:["Confirmer l'éligibilité maximale aux prestations","S'inscrire aux services d'aide à l'emploi","Maintenir un journal de recherche d'emploi","Considérer la formation subventionnée"],ressourcesNecessaires:["Accès internet","CV à jour","Références professionnelles"],indicateursSucces:["Prestations reçues","Entrevues obtenues","Formation complétée"]}),t.statutEmploi1==="contrat_determine"&&a.push({nom:"Planification de fin de contrat",description:"Préparer la transition avant la fin du contrat",priorite:"haute",delaiImplementation:"3 mois avant la fin",impactFinancier:0,difficulte:"modere",etapes:["Négocier une extension si possible","Commencer la recherche d'emploi 3 mois avant","Constituer un fonds d'urgence","Évaluer l'éligibilité à l'assurance-emploi"],ressourcesNecessaires:["Épargne d'urgence","Réseau professionnel"],indicateursSucces:["Nouveau contrat signé","Fonds d'urgence constitué"]}),r.incomeInstability>50&&a.push({nom:"Diversification des sources de revenus",description:"Créer des revenus multiples pour réduire la dépendance",priorite:"moyenne",delaiImplementation:"6-12 mois",impactFinancier:5e3,difficulte:"difficile",etapes:["Identifier des compétences monétisables","Développer une activité secondaire","Créer des revenus passifs","Maximiser les crédits d'impôt"],ressourcesNecessaires:["Temps libre","Compétences spécialisées","Capital initial"],indicateursSucces:["Revenus secondaires générés","Stabilité financière améliorée"]}),a}static identifyUrgentActions(t,s,r){const a=[];if(t.statutEmploi1==="chomage_assurance"&&(a.push({action:"Faire une demande d'assurance-emploi immédiatement",delai:"4 semaines maximum après la perte d'emploi",impact:"critique",cout:0,situationApplicable:["chomage_assurance"],ressourcesGouvernementales:["https://www.canada.ca/fr/services/prestations/ae.html","Service Canada - 1-800-206-7218"]}),a.push({action:"Constituer un fonds d'urgence de 6 mois",delai:"Dès que possible",impact:"critique",cout:0,situationApplicable:["chomage_assurance","chomage_sans_assurance"],organismesSoutien:["Centres d'aide financière locaux"]})),t.statutEmploi1==="contrat_determine"){const i=t.contratTravail1;if(i){const l=new Date(i.dateFin),c=new Date;(l.getTime()-c.getTime())/(1e3*60*60*24*30)<=3&&a.push({action:"Intensifier la recherche d'emploi",delai:"Immédiatement",impact:"critique",cout:0,situationApplicable:["contrat_determine"],organismesSoutien:["Centres d'emploi locaux","Agences de placement"]})}}return s>=55&&r.delayedRetirement>50&&a.push({action:"Consulter un planificateur financier spécialisé en retraite",delai:"1 mois",impact:"important",cout:500,situationApplicable:["chomage_assurance","contrat_determine","emploi_temporaire"],ageMinimum:55,organismesSoutien:["Institut québécois de planification financière"]}),a}static generatePlanningScenarios(t,s,r,a){const i={nom:"Scénario optimiste",probabilite:25,revenuAnnuelMoyen:r*1.1,dureeEmploiMoyenne:36,periodesChomage:0,ageRetraiteRealiste:a,capitalRetraiteProjetee:r*15,pensionsGouvernementales:r*.4,epargneUrgenceRequise:r*.5,assurancesRecommandees:["Assurance invalidité"],formationsUtiles:["Perfectionnement professionnel"]},l={nom:"Scénario réaliste",probabilite:50,revenuAnnuelMoyen:r*.9,dureeEmploiMoyenne:24,periodesChomage:1,ageRetraiteRealiste:a+2,capitalRetraiteProjetee:r*12,pensionsGouvernementales:r*.35,epargneUrgenceRequise:r*.75,assurancesRecommandees:["Assurance invalidité","Assurance vie"],formationsUtiles:["Reconversion professionnelle","Compétences numériques"]},c={nom:"Scénario pessimiste",probabilite:25,revenuAnnuelMoyen:r*.7,dureeEmploiMoyenne:18,periodesChomage:2,ageRetraiteRealiste:a+5,capitalRetraiteProjetee:r*8,pensionsGouvernementales:r*.3,epargneUrgenceRequise:r*1,assurancesRecommandees:["Assurance invalidité","Assurance vie","Assurance maladie grave"],formationsUtiles:["Reconversion complète","Entrepreneuriat","Compétences de base"]};return{optimistic:i,realistic:l,pessimistic:c}}static calculateBenefitDuration(t,s){let r=this.EI_PARAMS_2025.semainesMinimum;return t>=1e3&&(r+=8),t>=1500&&(r+=8),t>=2e3&&(r+=8),s>9?r+=8:s>6&&(r+=4),Math.min(r,this.EI_PARAMS_2025.semainesMaximum)}static calculateContractIncome(t,s){new Date(t.dateDebut),new Date(t.dateFin);const r=this.calculateContractDurationMonths(t);return t.salaireContrat/r*12}static calculateContractDurationMonths(t){const s=new Date(t.dateDebut);return(new Date(t.dateFin).getTime()-s.getTime())/(1e3*60*60*24*30.44)}}ve(qa,"EI_PARAMS_2025",{gainsMoyensMaximum:668,tauxPrestation:.55,semainesMinimum:16,semainesMaximum:40,heuresRequises:{regionFaibleChomage:700,regionMoyenChomage:595,regionFortChomage:490},delaiCarence:1,tauxCotisationEmploye:.0229,tauxCotisationEmployeur:.0321,plafondCotisable:68500});class Ds{static analyzeREERvsCELI(t){const{revenuActuel:s,revenuProjetteRetraite:r,ageActuel:a,montantDisponible:i}=t,l=this.calculateTauxMarginal(s),c=this.calculateTauxMarginal(r),o=i*l,x=i*c,v=o-x,p=this.calculatePSVImpact(r,i);let d,g=[];return l>c+.05?(d="REER_PRIORITE",g=[`Taux marginal actuel (${(l*100).toFixed(1)}%) > taux futur (${(c*100).toFixed(1)}%)`,`Économie fiscale immédiate : ${this.formatCurrency(o)}`,"Optimisation via déduction fiscale"]):r>this.PARAMS.psvSeuilRecuperationPartielle?(d="CELI_PRIORITE",g=["Revenu de retraite élevé → risque récupération PSV","CELI ne compte pas comme revenu imposable",`Évite la récupération PSV (seuil: ${this.formatCurrency(this.PARAMS.psvSeuilRecuperationPartielle)})`]):(d="EQUILIBRE",g=["Taux marginaux similaires présent vs futur","Diversification fiscale recommandée","Flexibilité CELI + déduction REER"]),{recommandation:d,raisonnement:g,repartitionSuggeree:this.calculateOptimalSplit(i,d),impactFiscal:{economieImmediateREER:o,impactFuturREER:x,avantageNetREER:v,impactPSV:p},strategiesComplementaires:this.generateComplementaryStrategies(t)}}static optimizeWithdrawalSequence(t){const{ageDebut:s,reerValue:r,celiValue:a,placementsValue:i,revenuGaranti:l,depensesAnnuelles:c,esperanceVie:o}=t,x=Math.max(0,c-l),v=[];return s<65&&v.push({ageDebut:s,ageFin:65,sourcesPrioritaires:["CELI","PLACEMENTS_NON_ENREGISTRES"],rationale:"Éviter pénalités REER et préserver revenus garantis futurs",tauxRetrait:.035,impactFiscal:"MINIMAL"}),v.push({ageDebut:Math.max(s,65),ageFin:71,sourcesPrioritaires:this.determinePrioriteSources(l+x),rationale:"Équilibrer sources pour rester sous seuils PSV",tauxRetrait:.04,impactFiscal:"OPTIMISE"}),v.push({ageDebut:72,ageFin:o,sourcesPrioritaires:["FERR","CELI_COMPLEMENT"],rationale:"Décaissement FERR obligatoire + CELI pour équilibrer",tauxRetrait:.0527,impactFiscal:"CONTRAINT"}),{sequencePhases:v,impactFiscalTotal:this.calculateTotalTaxImpact(v,r),flexibiliteScore:this.assessFlexibilityScore(a,r+i),recommendationsSpeciales:this.generateSpecialRecommendations(t)}}static analyzeFondsSolidarite(t){const{revenuAnnuel:s,ageActuel:r,ageRetraite:a,capaciteEpargne:i}=t,l=a-r,c=.133,o=.134,v=i*(1-.3),p=v*Math.pow(1+c,Math.min(l,10)),d=v*Math.pow(1+o,Math.min(l,10)),g=i*Math.pow(1.06,l);return{recommandation:this.evaluateFondsSolidariteViability(s,l),projections:{fondaction:{investissementNet:v,valeurFinale:p,rendementEffectif:c,avantageVsREER:p-g},ftq:{investissementNet:v,valeurFinale:d,rendementEffectif:o,avantageVsREER:d-g}},contraintes:["Immobilisation jusqu'à la retraite ou 65 ans","Risque de liquidité en cas d'urgence","Performance liée à l'économie québécoise"],eligibilite:this.checkFondsSolidariteEligibility(s)}}static calculateTauxMarginal(t){for(const s of Object.values(this.PARAMS.tauxMarginauxCombines))if(t>=s.min&&t<s.max)return s.taux;return this.PARAMS.tauxMarginauxCombines.tranche4.taux}static calculatePSVImpact(t,s){const r=t+s;if(r<=this.PARAMS.psvSeuilRecuperationPartielle)return 0;const a=.15,i=r-this.PARAMS.psvSeuilRecuperationPartielle;return Math.min(i*a,717.15*12)}static calculateOptimalSplit(t,s){switch(s){case"REER_PRIORITE":return{reerPart:70,celiPart:30,justification:"Priorité aux économies fiscales immédiates"};case"CELI_PRIORITE":return{reerPart:30,celiPart:70,justification:"Préservation des prestations gouvernementales"};default:return{reerPart:50,celiPart:50,justification:"Équilibre entre flexibilité et optimisation fiscale"}}}static generateComplementaryStrategies(t){return["Considérer les fonds de solidarité pour crédits d'impôt","Optimiser la répartition selon l'âge et la situation familiale","Planifier la conversion REER en FERR à 71 ans"]}static determinePrioriteSources(t){return t>90997?["CELI","PLACEMENTS_NON_ENREGISTRES","REER_MINIMAL"]:["REER_OPTIMISE","CELI","PLACEMENTS_NON_ENREGISTRES"]}static calculateTotalTaxImpact(t,s){return t.reduce((r,a)=>a.impactFiscal==="OPTIMISE"?r+s*.04:a.impactFiscal==="CONTRAINT"?r+s*.0527:r,0)}static assessFlexibilityScore(t,s){const r=t/s;return Math.min(100,Math.round(r*100))}static generateSpecialRecommendations(t){return["Surveiller les seuils PSV annuellement","Ajuster la stratégie selon les changements fiscaux","Consulter un conseiller fiscal pour optimisations complexes"]}static evaluateFondsSolidariteViability(t,s){return s>=8&&t>6e4?"RECOMMANDE":s>=5&&t>4e4?"ACCEPTABLE":"NON_RECOMMANDE"}static checkFondsSolidariteEligibility(t){return t>3e4}static formatCurrency(t){return new Intl.NumberFormat("fr-CA",{style:"currency",currency:"CAD",minimumFractionDigits:0,maximumFractionDigits:0}).format(t)}}ve(Ds,"PARAMS",{reerPlafond:32490,celiPlafond:7e3,psvSeuilRecuperationPartielle:90997,psvSeuilRecuperationComplete:148451,psvSeuilRecuperationComplete75Plus:153771,creditAgeSeuilRevenu:42335,creditAgeReductionTaux:.15,tauxMarginauxCombines:{tranche1:{min:0,max:51780,taux:.2779},tranche2:{min:51780,max:103545,taux:.3612},tranche3:{min:103545,max:126e3,taux:.4612},tranche4:{min:126e3,max:1/0,taux:.5312}}});class Vt{static analyzeRetirementExpenseChanges(t){const s={eliminees:[{categorie:"Cotisations RRQ",montantActuel:t.rrqCotisations||0,pourcentageReduction:100},{categorie:"Cotisations REER employeur",montantActuel:t.reerEmployeur||0,pourcentageReduction:100},{categorie:"Cotisations professionnelles",montantActuel:t.cotisationsPro||0,pourcentageReduction:100},{categorie:"Assurance-emploi",montantActuel:t.assuranceEmploi||0,pourcentageReduction:100}],diminuees:[{categorie:"Transport",montantActuel:t.transport,pourcentageReduction:30},{categorie:"Vêtements",montantActuel:t.vetements,pourcentageReduction:25},{categorie:"Entretien véhicule",montantActuel:t.vehicule,pourcentageReduction:20}],stables:[{categorie:"Logement",montantActuel:t.logement,pourcentageReduction:0},{categorie:"Alimentation",montantActuel:t.alimentation,pourcentageReduction:0}],augmentees:[{categorie:"Soins de santé",montantActuel:t.sante,pourcentageAugmentation:40},{categorie:"Activités sociales",montantActuel:t.loisirs,pourcentageAugmentation:25},{categorie:"Frais de voyage",montantActuel:t.voyages||0,pourcentageAugmentation:60}]},a=this.calculateTotalRetirementExpenses(s)*4,i={compteDependesFixes:this.calculateFixedExpensesAccount(s),compteGestionCourante:this.calculateVariableExpensesAccount(s),justification:["Séparation dépenses fixes vs variables pour meilleur contrôle","Évite les frais bancaires avec soldes minimums","Simplification gestion en couple"]};return{depensesProjectees:s,fondUrgenceRequis:a,repartitionComptes:i,optimisationFiscale:this.generateTaxOptimizationSuggestions(s)}}static analyzeEstateConsiderations(t){const{ageActuel:s,situationFamiliale:r,enfants:a,valeursPatrimoine:i}=t,l=[{ordre:1,action:"Rédiger/réviser testament",urgence:r==="UNION_FAIT"||a?"CRITIQUE":"IMPORTANTE",justification:"Protection des héritiers et respect des volontés"},{ordre:2,action:"Préparer mandat en cas d'inaptitude",urgence:s>=60?"CRITIQUE":"IMPORTANTE",justification:"Sécurité financière en cas d'incapacité"},{ordre:3,action:"Éviter comptes entièrement conjoints",urgence:"MOYENNE",justification:"Éviter blocage fonds lors du décès (plusieurs semaines/mois)"}],c=this.generateEstateStrategies(i,r);return{prioritesSuccessorales:l,strategiesSuccessorales:c,impactFiscalSuccession:this.calculateEstateImpact(i),documentsRequis:this.listRequiredDocuments(r,a),timelineActions:this.createEstateTimeline(l)}}static calculateTotalRetirementExpenses(t){let s=0;return s+=t.eliminees.reduce((r,a)=>r+a.montantActuel*0,0),s+=t.diminuees.reduce((r,a)=>r+a.montantActuel*(1-(a.pourcentageReduction||0)/100),0),s+=t.stables.reduce((r,a)=>r+a.montantActuel,0),s+=t.augmentees.reduce((r,a)=>r+a.montantActuel*(1+(a.pourcentageAugmentation||0)/100),0),s}static calculateFixedExpensesAccount(t){const s=t.stables.find(a=>a.categorie==="Logement")?.montantActuel||0,r=t.augmentees.find(a=>a.categorie==="Soins de santé")?.montantActuel||0;return s+r*1.4}static calculateVariableExpensesAccount(t){const s=t.stables.find(i=>i.categorie==="Alimentation")?.montantActuel||0,r=t.diminuees.find(i=>i.categorie==="Transport")?.montantActuel||0,a=t.augmentees.find(i=>i.categorie==="Activités sociales")?.montantActuel||0;return s+r*.7+a*1.25}static generateTaxOptimizationSuggestions(t){const s=this.calculateTotalRetirementExpenses(t);let r="BASSE",a=0;return s>6e4?(r="HAUTE",a=s*.15):s>4e4&&(r="MOYENNE",a=s*.1),{strategies:["Utiliser CELI pour dépenses variables (pas d'impact sur PSV)","Planifier retraits REER en début d'année pour optimiser impôts","Considérer revenus de dividendes pour crédits d'impôt"],impactPotentiel:a,priorite:r}}static generateEstateStrategies(t,s){const r=[];return s==="COUPLE"&&r.push({type:"REER_CONJOINT",description:"Attribuer les REER au conjoint à revenu plus faible",avantages:["Réduction de l'impôt au retrait","Optimisation des seuils PSV"],inconvenients:["Perte de contrôle sur les fonds","Risque en cas de séparation"]}),r.push({type:"CELI_INDIVIDUEL",description:"Maintenir des CELI individuels pour chaque personne",avantages:["Flexibilité maximale","Pas d'impact sur PSV","Accessibilité immédiate"],inconvenients:["Pas de déduction fiscale à la cotisation"]}),r.push({type:"COMPTE_SEPARE",description:"Éviter les comptes entièrement conjoints",avantages:["Évite le blocage lors du décès","Contrôle individuel maintenu"],inconvenients:["Gestion plus complexe","Frais bancaires potentiels"]}),r.push({type:"MANDAT_INAPTITUDE",description:"Préparer un mandat en cas d'inaptitude",avantages:["Protection financière","Décisions médicales respectées"],inconvenients:["Coûts de préparation","Révision régulière nécessaire"]}),r}static calculateEstateImpact(t){t.reer+t.celi+t.residence+t.placements;const s=t.reer*.25,r=t.placements*.15;return s+r}static listRequiredDocuments(t,s){const r=["Testament","Mandat en cas d'inaptitude"];return t==="UNION_FAIT"&&r.push("Contrat de vie commune","Protocole d'entente"),s&&r.push("Nomination de tuteur","Protection du patrimoine familial"),r.push("Directives médicales anticipées","Assurance-vie (si applicable)"),r}static createEstateTimeline(t){return t.map((s,r)=>{let a="Immédiat";return s.urgence==="CRITIQUE"?a="Dans les 30 jours":s.urgence==="IMPORTANTE"?a="Dans les 3 mois":a="Dans les 6 mois",{action:s.action,description:s.justification,delai:a}})}}class La{static calculerSRG(t){try{if(!t.personal?.naissance1)return this.createErrorResult("Données personnelles incomplètes");const s=this.calculerAge(t.personal.naissance1),r=t.personal.naissance2?this.calculerAge(t.personal.naissance2):null;if(s<this.PARAMS_2025.ageMinimum&&(!r||r<this.PARAMS_2025.ageMinimum))return this.createErrorResult(`Âge minimum requis: ${this.PARAMS_2025.ageMinimum} ans`);const a=this.calculerRevenuFamilialSRG(t),i=this.determinerStatutConjugal(s,r),l=s>=this.PARAMS_2025.ageMinimum?this.calculerMontantIndividuel(a,i):0,c=r&&r>=this.PARAMS_2025.ageMinimum?this.calculerMontantIndividuel(a,i):0,o=l+c,x=this.calculerReduction(a,i),v=this.genererStrategies(a,i,o,t),p=this.genererAlertes(a,o,i),d=this.calculerImpactFinancier(o);return{eligible:o>0,statutConjugal:i,revenuFamilial:a,montantSRG1:l,montantSRG2:c,montantTotal:o,reductionAppliquee:x,strategiesOptimisation:v,alertes:p,impactFinancier:d}}catch{return this.createErrorResult("Erreur lors du calcul SRG")}}static calculerRevenuFamilialSRG(t){let s=0;try{const r=t.personal||{},a=t.savings||{},i=t.retirement||{},l=r.salaire1||0,c=r.salaire2||0,o=l+c,x=this.appliquerExemptionEmploi(o);s+=x,s+=i.pensionPrivee1||0,s+=i.pensionPrivee2||0,s+=i.retraitREER1||0,s+=i.retraitREER2||0,a.nonEnregistre&&a.nonEnregistre>0&&(s+=a.nonEnregistre*.04)}catch{}return Math.max(0,s)}static appliquerExemptionEmploi(t){if(t<=5e3)return 0;if(t<=1e4){const r=(t-5e3)*.5;return t-r}return t-7500}static determinerStatutConjugal(t,s){return s?t>=65&&s>=65?"conjoint-avec-sv":"conjoint-sans-sv":"celibataire"}static calculerMontantIndividuel(t,s){let r;switch(s){case"celibataire":r=this.PARAMS_2025.montantMaximalCelibataire;break;case"conjoint-avec-sv":case"conjoint-sans-sv":r=this.PARAMS_2025.montantMaximalCouple;break;default:return 0}const a=this.calculerReduction(t,s),i=s.includes("conjoint")?a/2:a;return Math.max(0,Math.round(r-i))}static calculerReduction(t,s){return t<=this.PARAMS_2025.seuilReduction?0:(t-this.PARAMS_2025.seuilReduction)*this.PARAMS_2025.tauxReduction}static genererStrategies(t,s,r,a){const i=[];return r>0&&i.push({titre:"Optimisation des retraits",description:"Maximiser le SRG en privilégiant les sources non-imposables",actions:["Privilégier les retraits CELI (0% imposable)","Reporter les retraits REER si possible","Étaler les gains en capital sur plusieurs années",`Maintenir revenu familial sous ${this.PARAMS_2025.seuilReduction.toLocaleString()} $`],impact:`Peut préserver jusqu'à ${Math.round(r*.2)} $ de SRG annuel`,priorite:"haute",delaiMiseEnOeuvre:"Avant prochain retrait important"}),s.includes("conjoint")&&r>0&&i.push({titre:"Fractionnement de revenus",description:"Égaliser les revenus entre conjoints",actions:["Fractionner revenus de pension à 65 ans","Optimiser répartition des retraits REER","Considérer cotisations REER du conjoint à revenu plus faible"],impact:"Peut réduire la perte de SRG de 25% à 50%",priorite:"haute",delaiMiseEnOeuvre:"Planifier 2-3 ans avant 65 ans"}),r===0&&t>this.PARAMS_2025.seuilReduction&&i.push({titre:"Préparation future au SRG",description:"Planifier pour éligibilité future potentielle",actions:["Surveiller évolution des seuils annuellement","Planifier séquence de décaissement après 75 ans","Considérer report de revenus importants"],impact:"Peut créer éligibilité SRG dans le futur",priorité:"moyenne",delaiMiseEnOeuvre:"Révision annuelle"}),i}static genererAlertes(t,s,r){const a=[];return s>0&&t>this.PARAMS_2025.seuilReduction*.8&&a.push({type:"attention",message:"Revenus proches du seuil de réduction SRG",action:"Réviser stratégie de décaissement avant prochains retraits",impact:"Risque de perte partielle du SRG"}),s>0&&s<1e3&&a.push({type:"info",message:"Montant SRG faible - optimisation possible",action:"Analyser sources de revenus imposables pour réductions possibles"}),s===0&&t>this.PARAMS_2025.seuilReduction*1.5&&a.push({type:"info",message:"Non éligible au SRG - revenus élevés",action:"Considérer autres optimisations fiscales (PSV, fractionnement)"}),a}static calculerImpactFinancier(t){const s=t*10,r=s*1.15;return{annuel:t,decennal:s,optimise:r,gainPotentiel:r-s}}static calculerAge(t){if(!t)return 0;const s=new Date(t);return new Date().getFullYear()-s.getFullYear()}static createErrorResult(t){return{eligible:!1,raison:t,statutConjugal:"celibataire",revenuFamilial:0,montantSRG1:0,montantSRG2:0,montantTotal:0,reductionAppliquee:0,strategiesOptimisation:[],alertes:[{type:"critique",message:t,action:"Vérifier les données saisies"}],impactFinancier:{annuel:0,decennal:0,optimise:0,gainPotentiel:0}}}}ve(La,"PARAMS_2025",{montantMaximalCelibataire:11928,montantMaximalCouple:7176,seuilReduction:23712,tauxReduction:.5,ageMinimum:65,requiresSV:!0});class Ge{static async calculateAllAdvanced(t,s){try{const r=await this.calculateAll(t);let a;try{a=await yr.runAdvancedSimulation(t,r,s?.yearlyRebalancing===!0?{yearlyRebalancing:!0}:void 0)}catch{a=void 0}return{...r,monteCarloResults:a}}catch{return this.calculateAll(t)}}static calculateAll(t){try{const s={netWorth:this.calculateNetWorth(t),retirementCapital:this.calculateRetirementCapital(t),sufficiency:this.calculateSufficiency(t),taxSavings:this.calculateTaxSavings(t),monthlyIncome:this.calculateMonthlyIncome(t),monthlyExpenses:this.calculateMonthlyExpenses(t)};let r;try{r=this.calculateRRQOptimization(t)}catch{r=void 0}let a;try{a=this.calculateOASGISProjection(t)}catch{a=void 0}let i;try{i=this.calculateRetirementRisks(t)}catch{i=void 0}let l;try{l=this.generateRecommendedActions(t)}catch{l=void 0}let c;try{c=this.calculateEmploymentImpact(t)}catch{c=void 0}let o;try{o=this.calculateREERCELIOptimization(t)}catch{o=void 0}let x;try{x=this.calculateWithdrawalStrategy(t)}catch{x=void 0}let v;try{v=this.calculateRetirementBudgetAnalysis(t)}catch{v=void 0}let p;try{p=this.calculateFondsSolidariteAnalysis(t)}catch{p=void 0}let d;try{d=this.calculateEstateConsiderations(t)}catch{d=void 0}return{...s,rrqOptimization:r,oasGisProjection:a,riskAnalysis:i,recommendedActions:l,employmentImpactAnalysis:c}}catch{return{netWorth:this.calculateNetWorth(t),retirementCapital:this.calculateRetirementCapital(t),sufficiency:this.calculateSufficiency(t),taxSavings:this.calculateTaxSavings(t),monthlyIncome:this.calculateMonthlyIncome(t),monthlyExpenses:this.calculateMonthlyExpenses(t),rrqOptimization:void 0,oasGisProjection:void 0,riskAnalysis:void 0,recommendedActions:void 0}}}static calculateRRQOptimizationEnhanced(t){try{const s=this.analyzePersonRRQ(t,1),r=this.analyzePersonRRQ(t,2);return{person1:s,person2:r,combinedStrategy:this.optimizeCombinedRRQStrategy(s,r),householdImpact:this.calculateHouseholdImpact(s,r)}}catch(s){throw s}}static analyzePersonRRQ(t,s){const r=s===1,a=r?this.calculateAge(t.personal.naissance1):this.calculateAge(t.personal.naissance2),i=r?t.retirement.rrqMontantActuel1:t.retirement.rrqMontantActuel2,l=r?t.retirement.rrqMontant70_1:t.retirement.rrqMontant70_2,c=this.calculateRRQAt72(i,a),o=r?t.retirement.esperanceVie1:t.retirement.esperanceVie2,x=r?t.personal.sexe1:t.personal.sexe2,v=this.evaluateFinancialSituation(t);return!i||!x?null:dt.analyzeRRQAdvanced({ageActuel:a,montantActuel:i,montant70:l,montant72:c,esperanceVie:o,sexe:x,situationFinanciere:v,autrePension:r?t.retirement.pensionPrivee1:t.retirement.pensionPrivee2,conjointRRQ:r?t.retirement.rrqMontantActuel2:t.retirement.rrqMontantActuel1})}static calculateRRQAt72(t,s){if(s>=72)return t;const a=84*.007;let i=t;if(s<65){const c=(65-s)*12*.006;i=t/(1-c)}else if(s>65){const c=(s-65)*12*.007;i=t/(1+c)}return i*(1+a)}static evaluateFinancialSituation(t){const s=this.calculateMonthlyIncome(t),r=this.calculateMonthlyExpenses(t),a=this.calculateNetWorth(t),l=(t.savings.epargne1+t.savings.epargne2+t.savings.celi1+t.savings.celi2)/r,c=(s-r)/s;return l<6||c<0||a<r*60?"URGENTE":l>=12&&c>=.15&&a>=r*240?"CONFORTABLE":"STABLE"}static optimizeCombinedRRQStrategy(t,s){if(!t||!s)return null;const a=[{nom:"Échelonnement optimal",description:"Une personne commence tôt, l'autre reporte",person1Action:t.ageActuel<s.ageActuel?"COMMENCER_MAINTENANT":"ATTENDRE",person2Action:t.ageActuel<s.ageActuel?"ATTENDRE":"COMMENCER_MAINTENANT",avantages:["Flux de revenus étalé","Réduction des risques","Optimisation fiscale"]},{nom:"Report coordonné",description:"Les deux reportent pour maximiser les prestations",person1Action:"ATTENDRE_JUSQU_72",person2Action:"ATTENDRE_JUSQU_72",avantages:["Prestations maximales","Protection contre l'inflation"]},{nom:"Début coordonné",description:"Les deux commencent immédiatement",person1Action:"COMMENCER_MAINTENANT",person2Action:"COMMENCER_MAINTENANT",avantages:["Sécurité immédiate","Liquidités disponibles"]}].map(l=>({...l,valeurActuelleNette:this.calculateStrategyValue(t,s,l),niveauRisque:this.assessStrategyRisk(l),scoreTotal:0})),i=a.reduce((l,c)=>c.valeurActuelleNette>l.valeurActuelleNette?c:l);return{strategieRecommandee:i,alternativeStrategies:a.filter(l=>l!==i),raisonnement:this.generateCouplesReasoning(t,s,i)}}static calculateOASGISProjection(t){const s=this.calculatePersonOASGIS(t,1),r=this.calculatePersonOASGIS(t,2);return{person1:s,person2:r,householdTotal:{monthlyOAS:(s?.securiteVieillesse.montantMensuel||0)+(r?.securiteVieillesse.montantMensuel||0),monthlyGIS:(s?.supplementRevenuGaranti.montantMensuel||0)+(r?.supplementRevenuGaranti.montantMensuel||0),optimizationOpportunities:this.identifyOASGISOptimizations(s,r)}}}static calculatePersonOASGIS(t,s){const r=s===1,a=r?this.calculateAge(t.personal.naissance1):this.calculateAge(t.personal.naissance2);if(a<60)return null;r?t.personal.salaire1:t.personal.salaire2;const i=r?t.retirement.rrqMontantActuel1:t.retirement.rrqMontantActuel2,l=r?t.retirement.pensionPrivee1:t.retirement.pensionPrivee2,c=i*12+l*12,o=r?t.personal.salaire2:t.personal.salaire1;return ns.calculateOASGIS({age:a,revenuAnnuel:c,statutConjoint:o>0?"MARIE":"SEUL",revenuConjoint:o,anneesResidence:Math.min(a-18,40)})}static calculateRetirementRisks(t){const s=this.calculateAge(t.personal.naissance1),r=t.personal.ageRetraiteSouhaite1||65,a=t.retirement.esperanceVie1||85,i={longevityRisk:this.assessLongevityRisk(a,s),inflationRisk:this.assessInflationRisk(t),sequenceRisk:this.assessSequenceOfReturnsRisk(t,r),liquidityRisk:this.assessLiquidityRisk(t),healthCareRisk:this.assessHealthCareRisk(s),overallRiskScore:0};return i.overallRiskScore=this.calculateOverallRiskScore(i),{...i,mitigationStrategies:this.generateRiskMitigationStrategies(i,t),priorityActions:this.identifyPriorityRiskActions(i)}}static assessLongevityRisk(t,s){const a=t>88?"ÉLEVÉ":t<78?"FAIBLE":"MODÉRÉ",i=Math.max(0,t-83),l=i*5e4;return{niveau:a,anneesSupplementaires:i,capitalAdditionnelRequis:l,probabiliteDepasser:this.calculateExceedanceProbability(t),strategies:["Maximiser les revenus viagers (RRQ, SV)","Constituer un fonds de longévité","Considérer une rente viagère"]}}static assessInflationRisk(t){const s=this.calculateMonthlyExpenses(t),r=t.savings.epargne1+t.savings.epargne2,a=t.savings.placements1+t.savings.placements2,i=a/(r+a);return{niveau:i<.4?"ÉLEVÉ":i>.7?"FAIBLE":"MODÉRÉ",protectionActuelle:i*100,impactSur20Ans:this.calculateInflationImpact(s,20),strategies:["Augmenter les investissements en actions","Considérer les obligations à rendement réel","Maintenir des revenus indexés (RRQ, SV)"]}}static assessSequenceOfReturnsRisk(t,s){const r=this.calculateAge(t.personal.naissance1),a=s-r,i=this.calculateRetirementCapital(t),l=5,c=i*this.WITHDRAWAL_RATE;return{niveau:a<=l?"ÉLEVÉ":a<=10?"MODÉRÉ":"FAIBLE",anneesAvantRetraite:a,retraitAnnuel:c,strategies:["Constituer une réserve de liquidités (3-5 ans)","Adopter une stratégie de retrait flexible","Échelonner les investissements par échéance"]}}static calculateEmploymentImpact(t){if(!t.employmentStatus)return;const s=this.calculateAge(t.personal.naissance1),r=t.personal.ageRetraiteSouhaite1||65,a=t.personal.salaire1||0;return qa.analyzeEmploymentImpact(t.employmentStatus,s,a,r)}static generateRecommendedActions(t){const s=[],r=this.calculateAge(t.personal.naissance1);r>=55&&r<60&&s.push({priorite:"HAUTE",categorie:"PLANIFICATION",action:"Obtenir votre relevé de participation RRQ",description:"Vérifiez vos droits accumulés et projetez vos prestations",delai:"2 semaines",impact:"ÉLEVÉ",lienUtile:"https://www.rrq.gouv.qc.ca/en/mes-renseignements/releve-participation/"}),r>=60&&s.push({priorite:"MOYENNE",categorie:"OPTIMISATION",action:"Analyser le moment optimal pour commencer le RRQ",description:"Comparez les scénarios de début à différents âges",delai:"1 mois",impact:"ÉLEVÉ"}),r>=64&&s.push({priorite:"HAUTE",categorie:"PRESTATIONS",action:"Préparer votre demande de Sécurité de la vieillesse",description:"Inscription automatique ou demande manuelle",delai:"3 mois avant 65 ans",impact:"ÉLEVÉ"});const a=this.calculateNetWorth(t),i=this.calculateMonthlyExpenses(t);return a<i*240&&s.push({priorite:"HAUTE",categorie:"ÉPARGNE",action:"Accélérer l'épargne retraite",description:"Maximiser REER/CELI et réduire les dépenses non essentielles",delai:"Immédiat",impact:"TRÈS_ÉLEVÉ"}),{actionsImmédiates:s.filter(l=>l.priorite==="HAUTE"),actionsMoyenTerme:s.filter(l=>l.priorite==="MOYENNE"),actionsLongTerme:s.filter(l=>l.priorite==="FAIBLE"),scoreUrgence:this.calculateUrgencyScore(t,s)}}static calculateRRQOptimization(t){try{const s={ageActuel:this.calculateAge(t.personal.naissance1),montantActuel:t.retirement.rrqMontantActuel1||0,montant70:t.retirement.rrqMontant70_1||0},r={ageActuel:this.calculateAge(t.personal.naissance2),montantActuel:t.retirement.rrqMontantActuel2||0,montant70:t.retirement.rrqMontant70_2||0};return{totalMaintenant:s.montantActuel+r.montantActuel,total70:s.montant70+r.montant70,montantPerdu:s.montant70+r.montant70-(s.montantActuel+r.montantActuel),ageRentabilite:67,valeurActualiseeMaintenant:s.montantActuel+r.montantActuel,valeurActualisee70:s.montant70+r.montant70,recommandation:"Considérer reporter jusqu'à 70 ans pour maximiser les prestations",difference:s.montant70+r.montant70-(s.montantActuel+r.montantActuel)}}catch{return}}static safeAdd(t,s){return(t||0)+(s||0)}static safeSubtract(t,s){return(t||0)-(s||0)}static calculateAge(t){if(!t)return 0;try{const s=new Date(t),r=new Date;let a=r.getFullYear()-s.getFullYear();const i=r.getMonth()-s.getMonth();return(i<0||i===0&&r.getDate()<s.getDate())&&a--,Math.max(0,a)}catch{return 0}}static calculateStrategyValue(t,s,r){return(t?.valeurActuelle||0)+(s?.valeurActuelle||0)}static assessStrategyRisk(t){return"MODÉRÉ"}static generateCouplesReasoning(t,s,r){return["Stratégie optimisée pour votre situation de couple","Prise en compte des différences d'âge et de prestations","Maximisation des avantages fiscaux combinés"]}static identifyOASGISOptimizations(t,s){const r=[];return(t?.supplementRevenuGaranti.eligible||s?.supplementRevenuGaranti.eligible)&&r.push("Optimiser les revenus pour maximiser le SRG"),r}static calculateOverallRiskScore(t){return 65}static generateRiskMitigationStrategies(t,s){return[{risque:"Longévité",strategie:"Maximiser les revenus viagers",priorite:"HAUTE"}]}static identifyPriorityRiskActions(t){return[]}static calculateExceedanceProbability(t){return Math.max(0,Math.min(100,(t-80)*2))}static calculateInflationImpact(t,s){const r=t*12*Math.pow(1+this.INFLATION_RATE,s),a=t*12;return r-a}static calculateUrgencyScore(t,s){const r=s.filter(l=>l.priorite==="HAUTE").length,a=this.calculateAge(t.personal.naissance1);let i=r*20;return a>=60&&(i+=20),a>=65&&(i+=30),Math.min(100,i)}static calculateHouseholdImpact(t,s){return{revenuTotal:(t?.montantMensuel||0)+(s?.montantMensuel||0),impactFiscal:"À calculer selon la situation combinée",strategies:["Optimisation fiscale couple","Coordination des prestations"]}}static calculateNetWorth(t){try{const{savings:s}=t;if(!s)throw new Error("Données d'épargne manquantes");const r=this.safeAdd(s.reer1,s.reer2)+this.safeAdd(s.celi1,s.celi2)+this.safeAdd(s.placements1,s.placements2)+this.safeAdd(s.epargne1,s.epargne2)+this.safeAdd(s.cri1,s.cri2),a=this.safeSubtract(s.residenceValeur,s.residenceHypotheque);return Math.max(0,r+a)}catch{return 0}}static calculateRetirementCapital(t){try{const{savings:s}=t;if(!s)throw new Error("Données d'épargne manquantes");const r=this.safeAdd(s.reer1,s.reer2)+this.safeAdd(s.celi1,s.celi2)+this.safeAdd(s.placements1,s.placements2)+this.safeAdd(s.cri1,s.cri2),a=this.calculateYearsToRetirement(t),i=this.calculateFutureSavings(t,a);return r*Math.pow(1+this.INVESTMENT_RETURN,a)+i}catch{return 0}}static calculateSufficiency(t){try{const s=this.calculateRetirementCapital(t),r=this.calculateRetirementTarget(t);return r<=0?0:Math.min(100,Math.round(s/r*100))}catch{return 0}}static calculateTaxSavings(t){try{const{savings:s}=t;if(!s)return 0;const r=this.safeAdd(s.reer1,s.reer2),a=this.calculateMarginalTaxRate(t);return r*a}catch{return 0}}static calculateMonthlyIncome(t){try{return this.safeAdd(t.personal.salaire1,t.personal.salaire2)/12}catch{return 0}}static calculateMonthlyExpenses(t){try{const{cashflow:s}=t;return s?this.safeAdd(s.logement,0)+this.safeAdd(s.servicesPublics,0)+this.safeAdd(s.assurances,0)+this.safeAdd(s.telecom,0)+this.safeAdd(s.alimentation,0)+this.safeAdd(s.transport,0)+this.safeAdd(s.sante,0)+this.safeAdd(s.loisirs,0):0}catch{return 0}}static calculateYearsToRetirement(t){const s=this.calculateAge(t.personal.naissance1),r=t.personal.ageRetraiteSouhaite1||65;return Math.max(0,r-s)}static calculateFutureSavings(t,s){const r=this.calculateMonthlyIncome(t),a=this.calculateMonthlyExpenses(t),i=Math.max(0,r-a);let l=0;for(let c=0;c<s;c++)l=(l+i*12)*(1+this.INVESTMENT_RETURN);return l}static calculateRetirementTarget(t){const s=this.calculateMonthlyExpenses(t),r=t.personal?.tauxRemplacement,i=(typeof r=="number"?r>1?r/100:r:void 0)??this.RETIREMENT_EXPENSE_RATIO;return s*i*12/this.WITHDRAWAL_RATE}static calculateMarginalTaxRate(t){const s=this.safeAdd(t.personal.salaire1,t.personal.salaire2);return s>1e5?.45:s>5e4?.35:s>25e3?.25:.15}static assessLiquidityRisk(t){const s=t.savings.epargne1+t.savings.epargne2+t.savings.celi1+t.savings.celi2,r=this.calculateMonthlyExpenses(t),a=s/r;return{niveau:a<6?"ÉLEVÉ":a<12?"MODÉRÉ":"FAIBLE",moisDeLiquidite:a,strategies:["Maintenir 6-12 mois de dépenses en liquidités","Diversifier les sources de revenus"]}}static calculateREERCELIOptimization(t){try{const s=(t.personal?.salaire1||0)+(t.personal?.salaire2||0),r=this.calculateAge(t.personal?.naissance1),a=t.personal?.ageRetraiteSouhaite1||65,i=this.estimateRetirementIncome(t),l=this.calculateAvailableSavingsCapacity(t);return Ds.analyzeREERvsCELI({revenuActuel:s,revenuProjetteRetraite:i,ageActuel:r,ageRetraite:a,montantDisponible:l,situationConjoint:t.personal?.salaire2>0?"COUPLE":"SEUL"})}catch(s){throw s}}static calculateWithdrawalStrategy(t){try{const s=t.personal?.ageRetraiteSouhaite1||65,r=t.retirement?.esperanceVie1||85,a=(t.savings?.reer1||0)+(t.savings?.reer2||0),i=(t.savings?.celi1||0)+(t.savings?.celi2||0),l=(t.savings?.placements1||0)+(t.savings?.placements2||0),c=(t.retirement?.rrqMontantActuel1||0)+(t.retirement?.rrqMontantActuel2||0),o=717.15*2,x=(c+o)*12,v=this.calculateMonthlyExpenses(t)*12*.75;return Ds.optimizeWithdrawalSequence({ageDebut:s,reerValue:a,celiValue:i,placementsValue:l,revenuGaranti:x,depensesAnnuelles:v,esperanceVie:r})}catch(s){throw s}}static calculateRetirementBudgetAnalysis(t){try{const s=t.cashflow||{},r={logement:s.logement||0,alimentation:s.alimentation||0,transport:s.transport||0,sante:s.sante||0,loisirs:s.loisirs||0,vetements:s.vetements||0,vehicule:s.vehicule||0,rrqCotisations:s.rrqCotisations||0,reerEmployeur:s.reerEmployeur||0,cotisationsPro:s.cotisationsPro||0,assuranceEmploi:s.assuranceEmploi||0,voyages:s.voyages||0};return Vt.analyzeRetirementExpenseChanges(r)}catch(s){throw s}}static calculateFondsSolidariteAnalysis(t){try{const s=(t.personal?.salaire1||0)+(t.personal?.salaire2||0),r=this.calculateAge(t.personal?.naissance1),a=t.personal?.ageRetraiteSouhaite1||65,i=this.calculateAvailableSavingsCapacity(t);return Ds.analyzeFondsSolidarite({revenuAnnuel:s,ageActuel:r,ageRetraite:a,capaciteEpargne:i})}catch(s){throw s}}static calculateEstateConsiderations(t){try{const s=this.calculateAge(t.personal?.naissance1),r=t.personal?.salaire2>0?"COUPLE":"CELIBATAIRE",a=t.personal?.nombreEnfants||0,i=(t.savings?.residenceValeur||0)-(t.savings?.residenceHypotheque||0),l={reer:(t.savings?.reer1||0)+(t.savings?.reer2||0),celi:(t.savings?.celi1||0)+(t.savings?.celi2||0),placements:(t.savings?.placements1||0)+(t.savings?.placements2||0),residence:t.savings?.residenceValeur||0,residenceEquity:Math.max(0,i)};return Vt.analyzeEstateConsiderations({ageActuel:s,situationFamiliale:r,enfants:a,valeursPatrimoine:l})}catch(s){throw s}}static estimateRetirementIncome(t){(t.personal?.salaire1||0)+(t.personal?.salaire2||0);const s=(t.retirement?.rrqMontantActuel1||0)+(t.retirement?.rrqMontantActuel2||0),r=717.15*2;return(s+r)*12}static calculateAvailableSavingsCapacity(t){const s=this.calculateMonthlyIncome(t),r=this.calculateMonthlyExpenses(t);return Math.max(0,s-r)*12}static assessHealthCareRisk(t){return{niveau:t<50?"FAIBLE":t<65?"MODÉRÉ":"ÉLEVÉ",strategies:["Maintenir une assurance santé adéquate","Constituer un fonds de santé","Planifier les soins de longue durée"]}}static calculateSRG(t){try{return La.calculerSRG(t)}catch{return null}}static calculateRREGOP(t,s){try{return null}catch{return null}}static calculateGovernmentBenefits(t){try{const s={rrq:this.calculateRRQOptimizationEnhanced(t),sv:this.calculateOASGISProjection(t),srg:this.calculateSRG(t),rregop:{personne1:this.calculateRREGOP(t,1),personne2:this.calculateRREGOP(t,2)}},r=this.calculateTotalGuaranteedIncome(s);return{...s,revenuTotalGaranti:r,recommandations:this.generateGovernmentBenefitsRecommendations(s)}}catch(s){throw s}}static calculateTotalGuaranteedIncome(t){let s=0;return t.rrq?.person1?.montantMensuel&&(s+=t.rrq.person1.montantMensuel*12),t.rrq?.person2?.montantMensuel&&(s+=t.rrq.person2.montantMensuel*12),t.sv?.securiteVieillesse?.montantMensuel&&(s+=t.sv.securiteVieillesse.montantMensuel*12*2),t.srg?.montantTotal&&(s+=t.srg.montantTotal),t.rregop.personne1?.montantFinal&&(s+=t.rregop.personne1.montantFinal),t.rregop.personne2?.montantFinal&&(s+=t.rregop.personne2.montantFinal),s}static generateGovernmentBenefitsRecommendations(t){const s=[];return t.srg?.eligible?s.push("✅ Vous êtes éligible au SRG - Optimisez vos revenus pour maximiser le montant"):t.srg?.strategiesOptimisation?.length>0&&s.push("💡 Stratégies disponibles pour devenir éligible au SRG"),t.rregop.personne1?.recommandations?.length>0&&s.push("🏛️ Optimisations RREGOP disponibles pour la personne 1"),t.rregop.personne2?.recommandations?.length>0&&s.push("🏛️ Optimisations RREGOP disponibles pour la personne 2"),t.revenuTotalGaranti>0&&s.push(`💰 Revenu total garanti: ${t.revenuTotalGaranti.toLocaleString("fr-CA")} $/an`),s}}ve(Ge,"INFLATION_RATE",.021),ve(Ge,"INVESTMENT_RETURN",.06),ve(Ge,"TAX_RATE",.3),ve(Ge,"RETIREMENT_EXPENSE_RATIO",.75),ve(Ge,"WITHDRAWAL_RATE",.04),ve(Ge,"VOLATILITY_STOCKS",.15),ve(Ge,"VOLATILITY_BONDS",.05),ve(Ge,"CORRELATION_INFLATION_STOCKS",-.3);class gi{static sanitizeString(t){return typeof t!="string"?"":t.replace(/[<>]/g,"").replace(/javascript:/gi,"").replace(/on\w+\s*=/gi,"").replace(/\s+/g," ").trim()}static sanitizeName(t){return typeof t!="string"?"":t.replace(/[<>]/g,"").replace(/javascript:/gi,"").replace(/on\w+\s*=/gi,"")}static sanitizeNotes(t){return typeof t!="string"?"":t.replace(/[<>]/g,"").replace(/javascript:/gi,"").replace(/on\w+\s*=/gi,"")}static sanitizeNumber(t){const s=parseFloat(t);return isNaN(s)?0:s}static sanitizeEmail(t){if(typeof t!="string")return"";const s=t.toLowerCase().trim();return/^[^\s@]+@[^\s@]+\.[^\s@]+$/.test(s)?s:""}static sanitizeUserData(t){if(!t||typeof t!="object")return{};const s={},r=["prenom1","prenom2","nom1","nom2","nom","prenom"],a=["notesSupplementaires1","notesSupplementaires2","notes","commentaires","description"];for(const[i,l]of Object.entries(t)){const c=this.sanitizeString(i);typeof l=="string"?r.includes(i)?s[c]=this.sanitizeName(l):a.includes(i)?s[c]=this.sanitizeNotes(l):s[c]=this.sanitizeString(l):typeof l=="number"?s[c]=this.sanitizeNumber(l):typeof l=="boolean"?s[c]=!!l:Array.isArray(l)?s[c]=l.map(o=>typeof o=="string"?this.sanitizeString(o):o):l&&typeof l=="object"?s[c]=this.sanitizeUserData(l):s[c]=l}return s}static validateFileUpload(t,s,r){if(!t)return!1;if(!s.includes(t.type))throw new Error(`Type de fichier non autorisé. Types acceptés: ${s.join(", ")}`);if(t.size>r)throw new Error(`Fichier trop volumineux. 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s={...n,...t,personal:{...n.personal,...t?.personal,unifiedIncome1:Array.isArray(t?.personal?.unifiedIncome1)?t.personal.unifiedIncome1:[],unifiedIncome2:Array.isArray(t?.personal?.unifiedIncome2)?t.personal.unifiedIncome2:[]},retirement:{...n.retirement,...t?.retirement},savings:{...n.savings,...t?.savings},cashflow:{...n.cashflow,...t?.cashflow}};(s.personal.salaire1<0||s.personal.salaire2<0)&&(s.personal.salaire1=Math.max(0,s.personal.salaire1),s.personal.salaire2=Math.max(0,s.personal.salaire2));try{(s.personal?.depensesMensuelles||0)>0?s.personal.depensesRetraite=s.personal.depensesMensuelles:(s.personal?.depensesRetraite||0)>0&&(!s.personal?.depensesMensuelles||s.personal.depensesMensuelles===0)&&(s.personal.depensesMensuelles=s.personal.depensesRetraite)}catch{}try{const i=[["reer1","soldeREER1"],["reer2","soldeREER2"],["celi1","soldeCELI1"],["celi2","soldeCELI2"],["cri1","soldeCRI1"],["cri2","soldeCRI2"]];for(const[l,c]of i){const 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