Changelog

0.1.0

• Life cover need: Human Life Value and needs-based methods with sensitivity tables and a recommended term cover.
• Policy analyzer: IRR (Newton + bisection) for guaranteed, 4% and 8% illustrations, modal loading, 10(10D) tax notes, continue-vs-surrender.
• Buy-term-invest-the-rest comparison with breakeven return.
• Health adequacy: target sum insured, room-rent proportionate deduction, deductible and co-pay layering, cost-effective recommendation.
• Terminal, Markdown and HTML reports with inline SVG charts.