Update lifestyle-calculator-data.json

1 file changed +910 −184

Diff

diff --git a/lifestyle-calculator-data.json b/lifestyle-calculator-data.json
index db4cc37..4906f16 100644
--- a/lifestyle-calculator-data.json
+++ b/lifestyle-calculator-data.json
@@ -1,213 +1,939 @@
 {
   "incomeBrackets": [
-    { "income": 20000, "label": "Working Poor", "description": "It's a grind. Every dollar is stretched. Focus on essentials for the family." },
-    { "income": 30000, "label": "Low Income", "description": "Budgeting is an art form. A family night out for pizza is a rare, celebrated event." },
-    { "income": 50000, "label": "Lower Middle Class", "description": "Essentials are covered, maybe some family activities. Saving is tough but not impossible." },
-    { "income": 75000, "label": "Middle Class", "description": "Comfortable family life, but mindful of spending. Building a nest egg and a 401k." },
-    { "income": 100000, "label": "Upper Middle Class", "description": "Family life's pretty good! More treats, less stress. Investments are growing." },
-    { "income": 150000, "label": "Affluent", "description": "Enjoying finer things with the family. Weekend getaways and nice dinners are regular." },
-    { "income": 200000, "label": "High Income", "description": "Luxury choices become more accessible for the family. Quality of life upgrades." },
-    { "income": 300000, "label": "Wealthy", "description": "Premium experiences are standard. Financial advisor helps manage family wealth." },
-    { "income": 500000, "label": "Very Wealthy", "description": "Elite living for the family. Significant choices in education and travel." },
-    { "income": 750000, "label": "Ultra High Net Worth", "description": "Exclusive access and bespoke services. Family hobbies can be extravagant." },
-    { "income": 1000000, "label": "Millionaire", "description": "Congrats, you made it! Smart allocation and enjoying the fruits with your family." },
-    { "income": 2000000, "label": "Multi-Millionaire", "description": "Significant financial freedom. Global travel and investment opportunities for the family." },
-    { "income": 5000000, "label": "Ultra Wealthy", "description": "The world is your family's playground. Legacy planning and philanthropy." },
-    { "income": 10000000, "label": "Ultra Elite", "description": "Your family's biggest worry? Which continent for the summer. Influencing broader causes." },
-    { "income": 25000000, "label": "Billionaire Class", "description": "Price tags are suggestions. Next stop: shaping global change or funding major family endeavors." }
+    {
+      "income": 20000,
+      "label": "Working Poor",
+      "description": "It's a grind. Every dollar is stretched. Focus on essentials for the family."
+    },
+    {
+      "income": 30000,
+      "label": "Low Income",
+      "description": "Budgeting is an art form. A family night out for pizza is a rare, celebrated event."
+    },
+    {
+      "income": 50000,
+      "label": "Lower Middle Class",
+      "description": "Essentials are covered, maybe some family activities. Saving is tough but not impossible."
+    },
+    {
+      "income": 75000,
+      "label": "Middle Class",
+      "description": "Comfortable family life, but mindful of spending. Building a nest egg and a 401k."
+    },
+    {
+      "income": 100000,
+      "label": "Upper Middle Class",
+      "description": "Family life's pretty good! More treats, less stress. Investments are growing."
+    },
+    {
+      "income": 150000,
+      "label": "Affluent",
+      "description": "Enjoying finer things with the family. Weekend getaways and nice dinners are regular."
+    },
+    {
+      "income": 200000,
+      "label": "High Income",
+      "description": "Luxury choices become more accessible for the family. Quality of life upgrades."
+    },
+    {
+      "income": 300000,
+      "label": "Wealthy",
+      "description": "Premium experiences are standard. Financial advisor helps manage family wealth."
+    },
+    {
+      "income": 500000,
+      "label": "Very Wealthy",
+      "description": "Elite living for the family. Significant choices in education and travel."
+    },
+    {
+      "income": 750000,
+      "label": "Ultra High Net Worth",
+      "description": "Exclusive access and bespoke services. Family hobbies can be extravagant."
+    },
+    {
+      "income": 1000000,
+      "label": "Millionaire",
+      "description": "Congrats, you made it! Smart allocation and enjoying the fruits with your family."
+    },
+    {
+      "income": 2000000,
+      "label": "Multi-Millionaire",
+      "description": "Significant financial freedom. Global travel and investment opportunities for the family."
+    },
+    {
+      "income": 5000000,
+      "label": "Ultra Wealthy",
+      "description": "The world is your family's playground. Legacy planning and philanthropy."
+    },
+    {
+      "income": 10000000,
+      "label": "Ultra Elite",
+      "description": "Your family's biggest worry? Which continent for the summer. Influencing broader causes."
+    },
+    {
+      "income": 25000000,
+      "label": "Billionaire Class",
+      "description": "Price tags are suggestions. Next stop: shaping global change or funding major family endeavors."
+    }
   ],
   "costOfLivingFactors": [
     { "city": "Select City (Average US baseline)", "factor": 1.0, "currencySymbol": "$" },
     { "city": "New York City, USA", "factor": 1.25, "currencySymbol": "$" },
-    { "city": "San Francisco, USA", "factor": 1.30, "currencySymbol": "$" },
+    { "city": "San Francisco, USA", "factor": 1.3, "currencySymbol": "$" },
     { "city": "Los Angeles, USA", "factor": 1.15, "currencySymbol": "$" },
     { "city": "Chicago, USA", "factor": 1.05, "currencySymbol": "$" },
-    { "city": "London, UK", "factor": 1.20, "currencySymbol": "£" },
+    { "city": "London, UK", "factor": 1.2, "currencySymbol": "£" },
     { "city": "Paris, FR", "factor": 1.15, "currencySymbol": "€" },
-    { "city": "Tokyo, JP", "factor": 1.10, "currencySymbol": "¥" },
-    { "city": "Sydney, AU", "factor": 1.10, "currencySymbol": "A$" },
+    { "city": "Tokyo, JP", "factor": 1.1, "currencySymbol": "¥" },
+    { "city": "Sydney, AU", "factor": 1.1, "currencySymbol": "A$" },
     { "city": "Toronto, CA", "factor": 1.05, "currencySymbol": "C$" },
-    { "city": "Berlin, DE", "factor": 0.90, "currencySymbol": "€" },
-    { "city": "Mexico City, MX", "factor": 0.70, "currencySymbol": "$" },
-    { "city": "Bangalore, IN", "factor": 0.60, "currencySymbol": "₹" },
+    { "city": "Berlin, DE", "factor": 0.9, "currencySymbol": "€" },
+    { "city": "Mexico City, MX", "factor": 0.7, "currencySymbol": "$" },
+    { "city": "Bangalore, IN", "factor": 0.6, "currencySymbol": "₹" },
     { "city": "Rural Area (Generic)", "factor": 0.85, "currencySymbol": "$" }
   ],
   "lifestyleData": {
     "dining": [
-      { "min": 0, "items": [
-          { "title": "Home Cooking on a Budget", "desc": "Staples like pasta, rice, beans. Focus on supermarket private labels (e.g., Kroger Value, Tesco Everyday Value). A rare treat: $5 pizza (Little Caesars, Domino's) or local takeaway.", "itemIcon": "bi-basket2-fill", "financialNote": "Food budget is extremely tight, maximizing nutrition per dollar.", "badges": ["essential", "budgetSmart"], "budgetPercentRange": "70-80% of food spending" },
-          { "title": "Strategic Grocery Shopping", "desc": "Around $200-300/month per adult. Master of coupons and sales. Aldi, Lidl, or Walmart Supercenters are key. Eating out is very rare.", "itemIcon": "bi-receipt-cutoff", "financialNote": "Focus on maximizing every dollar for essentials. Minimal discretionary food spending.", "badges": ["budgetSmart"], "budgetPercentRange": "20-30% of food spending"}
-      ]},
-      { "min": 2, "items": [
-          { "title": "Occasional Casual Family Meals", "desc": "Local diners or casual chains like Applebee's, Chili's (USA), Harvester (UK), or Nando's (Global) once or twice a month. Aware of happy hour or family meal deals.", "itemIcon": "bi-cup-hot-fill", "financialNote": "Dining out is a budgeted treat. Still primarily home-cooking.", "badges": ["milestone"], "budgetPercentRange": "10-15% of food budget" },
-          { "title": "Mid-Range Grocery Hauls", "desc": "$400-500/month per adult at chains like Kroger, Safeway (USA), Tesco, Sainsbury's (UK), Carrefour (EU), Woolworths (AU). Occasional organic produce if on sale.", "itemIcon": "bi-cart3", "financialNote": "Groceries are a significant, planned expense. Balancing quality and cost.", "badges": ["essential"], "budgetPercentRange": "85-90% of food budget" }
-      ]},
-      { "min": 4, "items": [
-          { "title": "Regular Foodie Exploration", "desc": "Weekly family dinners at popular local restaurants, food halls, or trying diverse cuisines (e.g., Thai, Mexican, Italian). Maybe craft beers at a local spot for adults.", "itemIcon": "bi-emoji-sunglasses", "financialNote": "Dining out is a regular part of the lifestyle.", "badges": [], "budgetPercentRange": "20-30% of food budget"},
-          { "title": "Premium Pantry & Organic Focus", "desc": "$600-800+/month per adult. Regular shopping at Whole Foods, Trader Joe's (USA), Marks & Spencer Foodhall, Waitrose (UK), or local organic markets. Investing in better quality ingredients like artisanal bread, good olive oil.", "itemIcon": "bi-shop-window", "financialNote": "Prioritizing quality and specialty ingredients in home cooking.", "badges": ["premium"], "budgetPercentRange": "70-80% of food budget" }
-      ]},
-      { "min": 7, "items": [
-          { "title": "Fine Dining Experiences", "desc": "Monthly reservations at acclaimed local restaurants, possibly with tasting menus. Exploring restaurants noted in Michelin Guide or similar (e.g., World's 50 Best). Wine pairings are a considered choice.", "itemIcon": "bi-award-fill", "financialNote": "High-quality dining is a significant leisure expense.", "badges": ["premium", "aspirational"], "budgetPercentRange": "30-40% of food budget"},
-          { "title": "Gourmet Home Chef Setup", "desc": "$1500+/month on food & wine. Sourcing from specialty butchers, fishmongers, and gourmet stores (e.g., Eataly, Dean & DeLuca style). High-end kitchen appliances from brands like Wolf, Viking, or Miele may be present.", "itemIcon": "bi-gem", "financialNote": "Home cooking is elevated to a gourmet hobby. Top-tier ingredients and equipment.", "badges": ["premium"], "budgetPercentRange": "60-70% of food budget"}
-      ]},
-      { "min": 10, "items": [
-          { "title": "Private Chef & Exclusive Reservations", "desc": "Personal chef for special family occasions or regular meal prep. Securing tables at globally renowned, often hard-to-book establishments (e.g., Noma, The French Laundry, Osteria Francescana).", "itemIcon": "bi-person-hearts", "financialNote": "Ultimate convenience and exclusivity in dining.", "badges": ["ultraPremium"], "budgetPercentRange": "Varies widely"},
-          { "title": "Curated Wine Cellar & Sommelier Access", "desc": "Building and maintaining a wine cellar with investment-grade wines (e.g., Bordeaux First Growths, Grand Cru Burgundy, cult Napa Cabernets like Screaming Eagle). Potentially engaging a wine consultant or sommelier for acquisitions and cellar management. Wine tourism to renowned regions.", "itemIcon": "bi-alexa", "financialNote": "Wine as a serious hobby and asset class.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Varies widely"}
-      ]}
+      {
+        "min": 0,
+        "items": [
+          {
+            "title": "Home Cooking on a Budget",
+            "desc": "Staples like pasta, rice, beans. Focus on supermarket private labels (e.g., Kroger Value, Tesco Everyday Value). A rare treat: $5 pizza (Little Caesars, Domino's) or local takeaway.",
+            "itemIcon": "bi-basket2-fill",
+            "financialNote": "Food budget is extremely tight, maximizing nutrition per dollar.",
+            "badges": ["essential", "budgetSmart"],
+            "budgetPercentRange": "70-80% of food spending"
+          },
+          {
+            "title": "Strategic Grocery Shopping",
+            "desc": "Around $200-300/month per adult. Master of coupons and sales. Aldi, Lidl, or Walmart Supercenters are key. Eating out is very rare.",
+            "itemIcon": "bi-receipt-cutoff",
+            "financialNote": "Focus on maximizing every dollar for essentials. Minimal discretionary food spending.",
+            "badges": ["budgetSmart"],
+            "budgetPercentRange": "20-30% of food spending"
+          }
+        ]
+      },
+      {
+        "min": 2,
+        "items": [
+          {
+            "title": "Occasional Casual Family Meals",
+            "desc": "Local diners or casual chains like Applebee's, Chili's (USA), Harvester (UK), or Nando's (Global) once or twice a month. Aware of happy hour or family meal deals.",
+            "itemIcon": "bi-cup-hot-fill",
+            "financialNote": "Dining out is a budgeted treat. Still primarily home-cooking.",
+            "badges": ["milestone"],
+            "budgetPercentRange": "10-15% of food budget"
+          },
+          {
+            "title": "Mid-Range Grocery Hauls",
+            "desc": "$400-500/month per adult at chains like Kroger, Safeway (USA), Tesco, Sainsbury's (UK), Carrefour (EU), Woolworths (AU). Occasional organic produce if on sale.",
+            "itemIcon": "bi-cart3",
+            "financialNote": "Groceries are a significant, planned expense. Balancing quality and cost.",
+            "badges": ["essential"],
+            "budgetPercentRange": "85-90% of food budget"
+          }
+        ]
+      },
+      {
+        "min": 4,
+        "items": [
+          {
+            "title": "Regular Foodie Exploration",
+            "desc": "Weekly family dinners at popular local restaurants, food halls, or trying diverse cuisines (e.g., Thai, Mexican, Italian). Maybe craft beers at a local spot for adults.",
+            "itemIcon": "bi-emoji-sunglasses",
+            "financialNote": "Dining out is a regular part of the lifestyle.",
+            "badges": [],
+            "budgetPercentRange": "20-30% of food budget"
+          },
+          {
+            "title": "Premium Pantry & Organic Focus",
+            "desc": "$600-800+/month per adult. Regular shopping at Whole Foods, Trader Joe's (USA), Marks & Spencer Foodhall, Waitrose (UK), or local organic markets. Investing in better quality ingredients like artisanal bread, good olive oil.",
+            "itemIcon": "bi-shop-window",
+            "financialNote": "Prioritizing quality and specialty ingredients in home cooking.",
+            "badges": ["premium"],
+            "budgetPercentRange": "70-80% of food budget"
+          }
+        ]
+      },
+      {
+        "min": 7,
+        "items": [
+          {
+            "title": "Fine Dining Experiences",
+            "desc": "Monthly reservations at acclaimed local restaurants, possibly with tasting menus. Exploring restaurants noted in Michelin Guide or similar (e.g., World's 50 Best). Wine pairings are a considered choice.",
+            "itemIcon": "bi-award-fill",
+            "financialNote": "High-quality dining is a significant leisure expense.",
+            "badges": ["premium", "aspirational"],
+            "budgetPercentRange": "30-40% of food budget"
+          },
+          {
+            "title": "Gourmet Home Chef Setup",
+            "desc": "$1500+/month on food & wine. Sourcing from specialty butchers, fishmongers, and gourmet stores (e.g., Eataly, Dean & DeLuca style). High-end kitchen appliances from brands like Wolf, Viking, or Miele may be present.",
+            "itemIcon": "bi-gem",
+            "financialNote": "Home cooking is elevated to a gourmet hobby. Top-tier ingredients and equipment.",
+            "badges": ["premium"],
+            "budgetPercentRange": "60-70% of food budget"
+          }
+        ]
+      },
+      {
+        "min": 10,
+        "items": [
+          {
+            "title": "Private Chef & Exclusive Reservations",
+            "desc": "Personal chef for special family occasions or regular meal prep. Securing tables at globally renowned, often hard-to-book establishments (e.g., Noma, The French Laundry, Osteria Francescana).",
+            "itemIcon": "bi-person-hearts",
+            "financialNote": "Ultimate convenience and exclusivity in dining.",
+            "badges": ["ultraPremium"],
+            "budgetPercentRange": "Varies widely"
+          },
+          {
+            "title": "Curated Wine Cellar & Sommelier Access",
+            "desc": "Building and maintaining a wine cellar with investment-grade wines (e.g., Bordeaux First Growths, Grand Cru Burgundy, cult Napa Cabernets like Screaming Eagle). Potentially engaging a wine consultant or sommelier for acquisitions and cellar management. Wine tourism to renowned regions.",
+            "itemIcon": "bi-alexa",
+            "financialNote": "Wine as a serious hobby and asset class.",
+            "badges": ["ultraPremium", "statusSymbol"],
+            "budgetPercentRange": "Varies widely"
+          }
+        ]
+      }
     ],
     "housing": [
-      { "min": 0, "items": [
-          { "title": "Renting in Less Central Areas / Shared Living", "desc": "Renting a smaller apartment or sharing a house in an older building, often further from city centers or amenities. Basic, functional furniture, often second-hand or self-assembled (e.g., basic IKEA, Walmart).", "itemIcon": "bi-building-lock", "financialNote": "Rent/housing is the largest expense, often >40-50% of income. Focus on safety and affordability.", "badges": ["essential", "budgetSmart"], "budgetPercentRange": "40-60% of income" },
-          { "title": "DIY Furnishings & Repairs", "desc": "Furniture from thrift stores, Facebook Marketplace, or hand-me-downs. YouTube tutorials for basic home repairs are essential.", "itemIcon": "bi-tools", "financialNote": "Furnishing and upkeep rely on resourcefulness, minimal budget.", "badges": ["budgetSmart"]}
-      ]},
-      { "min": 2, "items": [
-          { "title": "Modest Apartment or Small Starter Home", "desc": "Renting a 1-2BR apartment in a decent neighborhood or owning a small starter home/condo (if LCOL area or with significant down payment help). Basic but functional amenities.", "itemIcon": "bi-house-check-fill", "financialNote": "Housing is a primary, manageable expense, typically 30-40% of income.", "badges": ["essential", "milestone"], "budgetPercentRange": "30-40% of income" },
-          { "title": "Practical Furniture (IKEA, Wayfair)", "desc": "Furnishing with new, budget-friendly items from IKEA, Target, Wayfair, or similar. Assembling flat-pack furniture is common.", "itemIcon": "bi-box-seam-fill", "financialNote": "Furnishing on a budget, prioritizing functionality and clean aesthetics.", "badges": []}
-      ]},
-      { "min": 4, "items": [
-          { "title": "Comfortable Home Ownership / Quality Rental", "desc": "Owning a modest single-family home, larger apartment/townhome in a good school district or desirable neighborhood. Or, renting a modern apartment with some amenities.", "itemIcon": "bi-house-heart-fill", "financialNote": "Managing mortgage, property taxes, HOA fees, or higher rental costs. Typically 25-35% of income.", "badges": ["milestone", "aspirational"], "budgetPercentRange": "25-35% of income" },
-          { "title": "Mid-Range Furniture & Decor", "desc": "Upgrading to better quality furniture from stores like West Elm, CB2, Pottery Barn, John Lewis (UK), or Article. Investing in better mattresses, linens, and some decor items.", "itemIcon": "bi-display-fill", "financialNote": "Creating a more personalized and comfortable home environment.", "badges": ["premium"]}
-      ]},
-      { "min": 7, "items": [
-          { "title": "Luxury Home or Upscale Apartment", "desc": "Spacious, well-appointed home in a prime neighborhood, or a luxury condo/apartment with premium amenities (gym, pool, concierge, security) in the city center. Smart home features, high-end finishes.", "itemIcon": "bi-house-up-fill", "financialNote": "Property is a significant asset and reflection of status. Housing costs may be <25% due to higher income, or higher for prime locations.", "badges": ["premium", "statusSymbol"], "budgetPercentRange": "20-30% of income (can vary)" },
-          { "title": "Interior Design & High-End Renovations", "desc": "Working with an interior designer for renovations or decor. Custom cabinetry (Poggenpohl, Smallbone), professional-grade appliances (Sub-Zero, Wolf, Gaggenau), and investing in original art or high-quality prints.", "itemIcon": "bi-palette-fill", "financialNote": "Significant investment in creating a bespoke living space.", "badges": ["premium", "aspirational"]}
-      ]},
-      { "min": 10, "items": [
-          { "title": "Multiple Luxury Properties", "desc": "Primary residence in an exclusive enclave (e.g., Beverly Hills, The Hamptons, Kensington). Additional properties such as a ski chalet (Aspen, St. Moritz), beach house (Malibu, Cote d'Azur), country estate, or city pied-à-terre in global capitals.", "itemIcon": "bi-buildings-fill", "financialNote": "Managing a portfolio of international properties with significant upkeep and staffing.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Varies (asset management)" },
-          { "title": "Custom Architecture & Full Household Staff", "desc": "Commissioning renowned architects (e.g., Zaha Hadid Architects, Snøhetta) for a bespoke home. Employing full-time household staff: house manager, private chef, nannies, housekeepers, groundskeepers, security detail.", "itemIcon": "bi-people-fill", "financialNote": "Operating a large estate with professional management.", "badges": ["ultraPremium"]}
-      ]}
+      {
+        "min": 0,
+        "items": [
+          {
+            "title": "Renting in Less Central Areas / Shared Living",
+            "desc": "Renting a smaller apartment or sharing a house in an older building, often further from city centers or amenities. Basic, functional furniture, often second-hand or self-assembled (e.g., basic IKEA, Walmart).",
+            "itemIcon": "bi-building-lock",
+            "financialNote": "Rent/housing is the largest expense, often >40-50% of income. Focus on safety and affordability.",
+            "badges": ["essential", "budgetSmart"],
+            "budgetPercentRange": "40-60% of income"
+          },
+          {
+            "title": "DIY Furnishings & Repairs",
+            "desc": "Furniture from thrift stores, Facebook Marketplace, or hand-me-downs. YouTube tutorials for basic home repairs are essential.",
+            "itemIcon": "bi-tools",
+            "financialNote": "Furnishing and upkeep rely on resourcefulness, minimal budget.",
+            "badges": ["budgetSmart"]
+          }
+        ]
+      },
+      {
+        "min": 2,
+        "items": [
+          {
+            "title": "Modest Apartment or Small Starter Home",
+            "desc": "Renting a 1-2BR apartment in a decent neighborhood or owning a small starter home/condo (if LCOL area or with significant down payment help). Basic but functional amenities.",
+            "itemIcon": "bi-house-check-fill",
+            "financialNote": "Housing is a primary, manageable expense, typically 30-40% of income.",
+            "badges": ["essential", "milestone"],
+            "budgetPercentRange": "30-40% of income"
+          },
+          {
+            "title": "Practical Furniture (IKEA, Wayfair)",
+            "desc": "Furnishing with new, budget-friendly items from IKEA, Target, Wayfair, or similar. Assembling flat-pack furniture is common.",
+            "itemIcon": "bi-box-seam-fill",
+            "financialNote": "Furnishing on a budget, prioritizing functionality and clean aesthetics.",
+            "badges": []
+          }
+        ]
+      },
+      {
+        "min": 4,
+        "items": [
+          {
+            "title": "Comfortable Home Ownership / Quality Rental",
+            "desc": "Owning a modest single-family home, larger apartment/townhome in a good school district or desirable neighborhood. Or, renting a modern apartment with some amenities.",
+            "itemIcon": "bi-house-heart-fill",
+            "financialNote": "Managing mortgage, property taxes, HOA fees, or higher rental costs. Typically 25-35% of income.",
+            "badges": ["milestone", "aspirational"],
+            "budgetPercentRange": "25-35% of income"
+          },
+          {
+            "title": "Mid-Range Furniture & Decor",
+            "desc": "Upgrading to better quality furniture from stores like West Elm, CB2, Pottery Barn, John Lewis (UK), or Article. Investing in better mattresses, linens, and some decor items.",
+            "itemIcon": "bi-display-fill",
+            "financialNote": "Creating a more personalized and comfortable home environment.",
+            "badges": ["premium"]
+          }
+        ]
+      },
+      {
+        "min": 7,
+        "items": [
+          {
+            "title": "Luxury Home or Upscale Apartment",
+            "desc": "Spacious, well-appointed home in a prime neighborhood, or a luxury condo/apartment with premium amenities (gym, pool, concierge, security) in the city center. Smart home features, high-end finishes.",
+            "itemIcon": "bi-house-up-fill",
+            "financialNote": "Property is a significant asset and reflection of status. Housing costs may be <25% due to higher income, or higher for prime locations.",
+            "badges": ["premium", "statusSymbol"],
+            "budgetPercentRange": "20-30% of income (can vary)"
+          },
+          {
+            "title": "Interior Design & High-End Renovations",
+            "desc": "Working with an interior designer for renovations or decor. Custom cabinetry (Poggenpohl, Smallbone), professional-grade appliances (Sub-Zero, Wolf, Gaggenau), and investing in original art or high-quality prints.",
+            "itemIcon": "bi-palette-fill",
+            "financialNote": "Significant investment in creating a bespoke living space.",
+            "badges": ["premium", "aspirational"]
+          }
+        ]
+      },
+      {
+        "min": 10,
+        "items": [
+          {
+            "title": "Multiple Luxury Properties",
+            "desc": "Primary residence in an exclusive enclave (e.g., Beverly Hills, The Hamptons, Kensington). Additional properties such as a ski chalet (Aspen, St. Moritz), beach house (Malibu, Cote d'Azur), country estate, or city pied-à-terre in global capitals.",
+            "itemIcon": "bi-buildings-fill",
+            "financialNote": "Managing a portfolio of international properties with significant upkeep and staffing.",
+            "badges": ["ultraPremium", "statusSymbol"],
+            "budgetPercentRange": "Varies (asset management)"
+          },
+          {
+            "title": "Custom Architecture & Full Household Staff",
+            "desc": "Commissioning renowned architects (e.g., Zaha Hadid Architects, Snøhetta) for a bespoke home. Employing full-time household staff: house manager, private chef, nannies, housekeepers, groundskeepers, security detail.",
+            "itemIcon": "bi-people-fill",
+            "financialNote": "Operating a large estate with professional management.",
+            "badges": ["ultraPremium"]
+          }
+        ]
+      }
     ],
     "transportation": [
-      { "min": 0, "items": [
-          { "title": "Public Transit & Walking/Cycling", "desc": "Reliant on local bus, subway/tram, or train systems. Walking and a basic bicycle are primary modes for local travel.", "itemIcon": "bi-bus-front", "financialNote": "Transportation costs minimized, focused on fares or basic bike maintenance.", "badges": ["essential", "budgetSmart"], "budgetPercentRange": "5-10% of income"},
-          { "title": "Older, High-Mileage Car (If Owned)", "desc": "If a car is necessary, it's likely an older (>10 years), high-mileage model. Gas, insurance, and unexpected repairs (e.g., for a Ford Focus, Honda Civic from early 2000s) are major budget concerns.", "itemIcon": "bi-car-front-fill", "financialNote": "Car ownership is a significant, often unpredictable expense.", "badges": ["essential"], "budgetPercentRange": "15-25% of income (if owned)"}
-      ]},
-      { "min": 2, "items": [
-          { "title": "Dependable Used Car", "desc": "Owning a reliable used car (e.g., 5-8 year old Toyota Corolla, Honda CR-V, VW Golf). Focus on fuel efficiency and lower maintenance costs. Car payments or savings for replacement are budgeted.", "itemIcon": "bi-car-front", "financialNote": "Car is a tool for commuting and family needs.", "badges": ["milestone"], "budgetPercentRange": "10-15% of income"},
-          { "title": "Occasional Ride-Sharing", "desc": "Using Uber/Lyft/Bolt/Grab for specific needs like airport trips, nights out, or when public transit isn't viable.", "itemIcon": "bi-phone-vibrate-fill", "financialNote": "Ride-sharing as a supplement, not primary transport.", "badges": ["convenience"]}
-      ]},
-      { "min": 4, "items": [
-          { "title": "New(er) Practical Car or Entry EV", "desc": "A new or certified pre-owned practical family car (e.g., Subaru Outback, Toyota RAV4, Honda CR-V, Kia Telluride, VW Tiguan). Possibly an entry-level EV like a Nissan Leaf or Chevy Bolt if incentives/charging are favorable.", "itemIcon": "bi-ev-front-fill", "financialNote": "Managing a car loan and comprehensive insurance. Focus on safety and modern features.", "badges": ["milestone", "premium"], "budgetPercentRange": "10-15% of income"},
-          { "title": "Worry-Free Maintenance & Insurance", "desc": "Regular dealer servicing for newer car, comprehensive insurance coverage. Less panic over check engine lights; possibly extended warranties.", "itemIcon": "bi-shield-check", "financialNote": "Predictable car ownership costs.", "badges": []}
-      ]},
-      { "min": 7, "items": [
-          { "title": "Luxury Daily Driver", "desc": "Driving a new or recent model luxury SUV or sedan (e.g., Tesla Model Y/S, BMW X5/5 Series, Audi Q7/A6, Mercedes-Benz GLE/E-Class, Range Rover Evoque, Porsche Macan).", "itemIcon": "bi-speedometer2", "financialNote": "Comfort, performance, and brand prestige are important. Depreciation is a known factor.", "badges": ["premium", "statusSymbol"], "budgetPercentRange": "Varies, potentially <10% of income"},
-          { "title": "Two-Car Household (Practical + Fun)", "desc": "A luxury daily driver plus a second vehicle, which might be another practical car for a spouse, or a 'fun' weekend car (e.g., Mazda MX-5, Ford Mustang, used Porsche Boxster).", "itemIcon": "bi-lightning-charge-fill", "financialNote": "Multiple vehicles for different family needs or hobbies.", "badges": ["premium"]}
-      ]},
-      { "min": 10, "items": [
-          { "title": "Exotic & Collector Cars", "desc": "Owning high-performance sports cars (Ferrari, Lamborghini, McLaren), ultra-luxury sedans/SUVs (Rolls-Royce, Bentley), or a collection of classic/rare automobiles. Climate-controlled garage is standard.", "itemIcon": "bi-trophy-fill", "financialNote": "Cars as passion assets, investments, or status symbols.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Varies (asset/hobby)"},
-          { "title": "Private Driver / Chauffeur Service", "desc": "Employing a full-time chauffeur for daily transport in a luxury vehicle (e.g., Mercedes S-Class, Range Rover Autobiography). Alternatively, heavy use of high-end black car services.", "itemIcon": "bi-person-vcard-fill", "financialNote": "Ultimate convenience and time-saving for transportation.", "badges": ["ultraPremium", "convenience"]}
-      ]}
+      {
+        "min": 0,
+        "items": [
+          {
+            "title": "Public Transit & Walking/Cycling",
+            "desc": "Reliant on local bus, subway/tram, or train systems. Walking and a basic bicycle are primary modes for local travel.",
+            "itemIcon": "bi-bus-front",
+            "financialNote": "Transportation costs minimized, focused on fares or basic bike maintenance.",
+            "badges": ["essential", "budgetSmart"],
+            "budgetPercentRange": "5-10% of income"
+          },
+          {
+            "title": "Older, High-Mileage Car (If Owned)",
+            "desc": "If a car is necessary, it's likely an older (>10 years), high-mileage model. Gas, insurance, and unexpected repairs (e.g., for a Ford Focus, Honda Civic from early 2000s) are major budget concerns.",
+            "itemIcon": "bi-car-front-fill",
+            "financialNote": "Car ownership is a significant, often unpredictable expense.",
+            "badges": ["essential"],
+            "budgetPercentRange": "15-25% of income (if owned)"
+          }
+        ]
+      },
+      {
+        "min": 2,
+        "items": [
+          {
+            "title": "Dependable Used Car",
+            "desc": "Owning a reliable used car (e.g., 5-8 year old Toyota Corolla, Honda CR-V, VW Golf). Focus on fuel efficiency and lower maintenance costs. Car payments or savings for replacement are budgeted.",
+            "itemIcon": "bi-car-front",
+            "financialNote": "Car is a tool for commuting and family needs.",
+            "badges": ["milestone"],
+            "budgetPercentRange": "10-15% of income"
+          },
+          {
+            "title": "Occasional Ride-Sharing",
+            "desc": "Using Uber/Lyft/Bolt/Grab for specific needs like airport trips, nights out, or when public transit isn't viable.",
+            "itemIcon": "bi-phone-vibrate-fill",
+            "financialNote": "Ride-sharing as a supplement, not primary transport.",
+            "badges": ["convenience"]
+          }
+        ]
+      },
+      {
+        "min": 4,
+        "items": [
+          {
+            "title": "New(er) Practical Car or Entry EV",
+            "desc": "A new or certified pre-owned practical family car (e.g., Subaru Outback, Toyota RAV4, Honda CR-V, Kia Telluride, VW Tiguan). Possibly an entry-level EV like a Nissan Leaf or Chevy Bolt if incentives/charging are favorable.",
+            "itemIcon": "bi-ev-front-fill",
+            "financialNote": "Managing a car loan and comprehensive insurance. Focus on safety and modern features.",
+            "badges": ["milestone", "premium"],
+            "budgetPercentRange": "10-15% of income"
+          },
+          {
+            "title": "Worry-Free Maintenance & Insurance",
+            "desc": "Regular dealer servicing for newer car, comprehensive insurance coverage. Less panic over check engine lights; possibly extended warranties.",
+            "itemIcon": "bi-shield-check",
+            "financialNote": "Predictable car ownership costs.",
+            "badges": []
+          }
+        ]
+      },
+      {
+        "min": 7,
+        "items": [
+          {
+            "title": "Luxury Daily Driver",
+            "desc": "Driving a new or recent model luxury SUV or sedan (e.g., Tesla Model Y/S, BMW X5/5 Series, Audi Q7/A6, Mercedes-Benz GLE/E-Class, Range Rover Evoque, Porsche Macan).",
+            "itemIcon": "bi-speedometer2",
+            "financialNote": "Comfort, performance, and brand prestige are important. Depreciation is a known factor.",
+            "badges": ["premium", "statusSymbol"],
+            "budgetPercentRange": "Varies, potentially <10% of income"
+          },
+          {
+            "title": "Two-Car Household (Practical + Fun)",
+            "desc": "A luxury daily driver plus a second vehicle, which might be another practical car for a spouse, or a 'fun' weekend car (e.g., Mazda MX-5, Ford Mustang, used Porsche Boxster).",
+            "itemIcon": "bi-lightning-charge-fill",
+            "financialNote": "Multiple vehicles for different family needs or hobbies.",
+            "badges": ["premium"]
+          }
+        ]
+      },
+      {
+        "min": 10,
+        "items": [
+          {
+            "title": "Exotic & Collector Cars",
+            "desc": "Owning high-performance sports cars (Ferrari, Lamborghini, McLaren), ultra-luxury sedans/SUVs (Rolls-Royce, Bentley), or a collection of classic/rare automobiles. Climate-controlled garage is standard.",
+            "itemIcon": "bi-trophy-fill",
+            "financialNote": "Cars as passion assets, investments, or status symbols.",
+            "badges": ["ultraPremium", "statusSymbol"],
+            "budgetPercentRange": "Varies (asset/hobby)"
+          },
+          {
+            "title": "Private Driver / Chauffeur Service",
+            "desc": "Employing a full-time chauffeur for daily transport in a luxury vehicle (e.g., Mercedes S-Class, Range Rover Autobiography). Alternatively, heavy use of high-end black car services.",
+            "itemIcon": "bi-person-vcard-fill",
+            "financialNote": "Ultimate convenience and time-saving for transportation.",
+            "badges": ["ultraPremium", "convenience"]
+          }
+        ]
+      }
     ],
-     "travel": [
-      { "min": 0, "items": [
-          { "title": "Staycations & Local Outings", "desc": "Exploring local parks, free museum days, community events. Annual family camping trip at a state/national park or local campsite using budget gear (e.g., Ozark Trail, Coleman).", "itemIcon": "bi-signpost-split-fill", "financialNote": "Travel budget is minimal to non-existent. Focus on free/low-cost local activities.", "badges": ["budgetSmart"], "budgetPercentRange": "<2% of income"},
-          { "title": "Road Trip Contributions", "desc": "Chipping in for gas/petrol if a friend or relative with a car is planning a trip to a nearby city, beach, or attraction. Bringing shared snacks.", "itemIcon": "bi-pin-map-fill", "financialNote": "Opportunistic travel.", "badges": []}
-      ]},
-      { "min": 2, "items": [
-          { "title": "Budget Domestic Trips", "desc": "Annual family vacation via driving or budget airlines (e.g., Spirit, Ryanair, EasyJet, Southwest). Staying in budget hotels (e.g., Holiday Inn Express, Premier Inn), motels, or basic Airbnb/VRBO rentals.", "itemIcon": "bi-airplane-fill", "financialNote": "Travel is carefully planned and saved for. Focus on affordability.", "badges": ["milestone"], "budgetPercentRange": "3-5% of income"},
-          { "title": "Regional Exploration", "desc": "Weekend trips to nearby cities, national parks, or attractions. Camping with better gear, or renting a cabin.", "itemIcon": "bi-map-fill", "financialNote": "Exploring accessible destinations.", "badges": []}
-      ]},
-      { "min": 4, "items": [
-          { "title": "Introductory International Travel / Theme Parks", "desc": "First family trips to popular international destinations (e.g., all-inclusive resort in Mexico/Caribbean, a week in a major European city like London or Paris, or a trip to Disney/Universal). Staying in mid-range hotels or well-reviewed Airbnbs.", "itemIcon": "bi-globe-americas", "financialNote": "Travel is a regular, planned expense. Creating family memories.", "badges": ["aspirational", "milestone"], "budgetPercentRange": "5-8% of income"},
-          { "title": "Comfortable Domestic Travel", "desc": "Flying major airlines (e.g., Delta, British Airways, Qantas) for domestic trips. Staying in reputable mid-tier hotels (e.g., Hilton, Marriott, Hyatt Place). Activities like ski trips, beach vacations, or exploring national parks with more comfort.", "itemIcon": "bi-suitcase2-fill", "financialNote": "Prioritizing convenience and comfort in travel.", "badges": []}
-      ]},
-      { "min": 7, "items": [
-          { "title": "Business Class Travel & Luxury Resorts", "desc": "Flying business class for long-haul international flights (e.g., Emirates, Singapore Airlines, Cathay Pacific). Staying at 5-star resorts and hotels (e.g., Four Seasons, St. Regis, Ritz-Carlton, Aman Resorts). Considering luxury cruises (e.g., Seabourn, Silversea).", "itemIcon": "bi-passport-fill", "financialNote": "Travel is a significant leisure investment, focused on premium experiences.", "badges": ["premium", "statusSymbol"], "budgetPercentRange": "8-15% of income"},
-          { "title": "Experiential & Adventure Travel", "desc": "Tailored family adventures: African safaris (e.g., Singita, &Beyond lodges), exploring Patagonia, cultural immersion in Japan, diving in the Galapagos, bespoke tours. Unique, curated experiences are prioritized.", "itemIcon": "bi-compass-fill", "financialNote": "Seeking unique and enriching travel experiences.", "badges": ["premium", "aspirational"]}
-      ]},
-      { "min": 10, "items": [
-          { "title": "First Class Suites & Private Aviation", "desc": "Flying first-class suites (e.g., Etihad The Residence, Singapore Suites). Fractional ownership or chartering private jets (e.g., NetJets, Flexjet, VistaJet) for family travel.", "itemIcon": "bi-airplane-engines-fill", "financialNote": "Ultimate luxury, privacy, and convenience in travel.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Varies widely (significant)"},
-          { "title": "Global Itineraries & Exclusive Access", "desc": "Extended, multi-continent family trips, possibly on a private jet world tour. Owning multiple vacation homes in desirable global locations. Chartering superyachts (e.g., from builders like Lürssen, Feadship) for private holidays.", "itemIcon": "bi-globe-europe-africa", "financialNote": "Travel is seamlessly integrated into an international lifestyle.", "badges": ["ultraPremium"]}
-      ]}
+    "travel": [
+      {
+        "min": 0,
+        "items": [
+          {
+            "title": "Staycations & Local Outings",
+            "desc": "Exploring local parks, free museum days, community events. Annual family camping trip at a state/national park or local campsite using budget gear (e.g., Ozark Trail, Coleman).",
+            "itemIcon": "bi-signpost-split-fill",
+            "financialNote": "Travel budget is minimal to non-existent. Focus on free/low-cost local activities.",
+            "badges": ["budgetSmart"],
+            "budgetPercentRange": "<2% of income"
+          },
+          {
+            "title": "Road Trip Contributions",
+            "desc": "Chipping in for gas/petrol if a friend or relative with a car is planning a trip to a nearby city, beach, or attraction. Bringing shared snacks.",
+            "itemIcon": "bi-pin-map-fill",
+            "financialNote": "Opportunistic travel.",
+            "badges": []
+          }
+        ]
+      },
+      {
+        "min": 2,
+        "items": [
+          {
+            "title": "Budget Domestic Trips",
+            "desc": "Annual family vacation via driving or budget airlines (e.g., Spirit, Ryanair, EasyJet, Southwest). Staying in budget hotels (e.g., Holiday Inn Express, Premier Inn), motels, or basic Airbnb/VRBO rentals.",
+            "itemIcon": "bi-airplane-fill",
+            "financialNote": "Travel is carefully planned and saved for. Focus on affordability.",
+            "badges": ["milestone"],
+            "budgetPercentRange": "3-5% of income"
+          },
+          {
+            "title": "Regional Exploration",
+            "desc": "Weekend trips to nearby cities, national parks, or attractions. Camping with better gear, or renting a cabin.",
+            "itemIcon": "bi-map-fill",
+            "financialNote": "Exploring accessible destinations.",
+            "badges": []
+          }
+        ]
+      },
+      {
+        "min": 4,
+        "items": [
+          {
+            "title": "Introductory International Travel / Theme Parks",
+            "desc": "First family trips to popular international destinations (e.g., all-inclusive resort in Mexico/Caribbean, a week in a major European city like London or Paris, or a trip to Disney/Universal). Staying in mid-range hotels or well-reviewed Airbnbs.",
+            "itemIcon": "bi-globe-americas",
+            "financialNote": "Travel is a regular, planned expense. Creating family memories.",
+            "badges": ["aspirational", "milestone"],
+            "budgetPercentRange": "5-8% of income"
+          },
+          {
+            "title": "Comfortable Domestic Travel",
+            "desc": "Flying major airlines (e.g., Delta, British Airways, Qantas) for domestic trips. Staying in reputable mid-tier hotels (e.g., Hilton, Marriott, Hyatt Place). Activities like ski trips, beach vacations, or exploring national parks with more comfort.",
+            "itemIcon": "bi-suitcase2-fill",
+            "financialNote": "Prioritizing convenience and comfort in travel.",
+            "badges": []
+          }
+        ]
+      },
+      {
+        "min": 7,
+        "items": [
+          {
+            "title": "Business Class Travel & Luxury Resorts",
+            "desc": "Flying business class for long-haul international flights (e.g., Emirates, Singapore Airlines, Cathay Pacific). Staying at 5-star resorts and hotels (e.g., Four Seasons, St. Regis, Ritz-Carlton, Aman Resorts). Considering luxury cruises (e.g., Seabourn, Silversea).",
+            "itemIcon": "bi-passport-fill",
+            "financialNote": "Travel is a significant leisure investment, focused on premium experiences.",
+            "badges": ["premium", "statusSymbol"],
+            "budgetPercentRange": "8-15% of income"
+          },
+          {
+            "title": "Experiential & Adventure Travel",
+            "desc": "Tailored family adventures: African safaris (e.g., Singita, &Beyond lodges), exploring Patagonia, cultural immersion in Japan, diving in the Galapagos, bespoke tours. Unique, curated experiences are prioritized.",
+            "itemIcon": "bi-compass-fill",
+            "financialNote": "Seeking unique and enriching travel experiences.",
+            "badges": ["premium", "aspirational"]
+          }
+        ]
+      },
+      {
+        "min": 10,
+        "items": [
+          {
+            "title": "First Class Suites & Private Aviation",
+            "desc": "Flying first-class suites (e.g., Etihad The Residence, Singapore Suites). Fractional ownership or chartering private jets (e.g., NetJets, Flexjet, VistaJet) for family travel.",
+            "itemIcon": "bi-airplane-engines-fill",
+            "financialNote": "Ultimate luxury, privacy, and convenience in travel.",
+            "badges": ["ultraPremium", "statusSymbol"],
+            "budgetPercentRange": "Varies widely (significant)"
+          },
+          {
+            "title": "Global Itineraries & Exclusive Access",
+            "desc": "Extended, multi-continent family trips, possibly on a private jet world tour. Owning multiple vacation homes in desirable global locations. Chartering superyachts (e.g., from builders like Lürssen, Feadship) for private holidays.",
+            "itemIcon": "bi-globe-europe-africa",
+            "financialNote": "Travel is seamlessly integrated into an international lifestyle.",
+            "badges": ["ultraPremium"]
+          }
+        ]
+      }
     ],
     "entertainment": [
-      { "min": 0, "items": [
-          { "title": "Free & Low-Cost Fun", "desc": "Utilizing public libraries (books, DVDs, programs), free local concerts/events, hiking. Streaming via ad-supported tiers (Spotify Free, YouTube, Peacock Free) or shared family accounts.", "itemIcon": "bi-headphones", "financialNote": "Entertainment relies on free or very low-cost community resources.", "badges": ["budgetSmart"], "budgetPercentRange": "<5% of leisure budget"},
-          { "title": "DIY & Community Hobbies", "desc": "Drawing, writing, learning from free online resources. Board games or card games with friends and family. Community sports leagues.", "itemIcon": "bi-brush", "financialNote": "Creativity and social connection over monetary spend.", "badges": ["budgetSmart"]}
-      ]},
-      { "min": 2, "items": [
-          { "title": "Local Events & Streaming Subscriptions", "desc": "Catching a movie at matinee prices, attending local fairs or high school sports. Subscribing to 1-2 basic streaming services (e.g., Netflix Standard with Ads, Disney+ Basic).", "itemIcon": "bi-ticket-fill", "financialNote": "Small, planned entertainment expenses. Balancing cost and enjoyment.", "badges": [], "budgetPercentRange": "5-10% of leisure budget"},
-          { "title": "Family Social Outings", "desc": "Bowling, mini-golf, local amateur theater. Potluck dinners with friends.", "itemIcon": "bi-people-fill", "financialNote": "Affordable social activities.", "badges": []}
-      ]},
-      { "min": 4, "items": [
-          { "title": "Major Concerts & Live Sports", "desc": "Attending concerts of popular artists (e.g., Taylor Swift, Ed Sheeran - if lucky with tickets!) or professional sporting events (e.g., MLB, NBA, Premier League) a few times a year. Maybe a local ski pass or theme park annual pass.", "itemIcon": "bi-boombox-fill", "financialNote": "Budgeting for higher-cost entertainment experiences.", "badges": ["milestone"], "budgetPercentRange": "10-15% of leisure budget"},
-          { "title": "Enhanced Home Entertainment", "desc": "Good quality 4K TV (e.g., TCL, Hisense U-Series), a decent soundbar (e.g., Sonos Ray, Vizio M-Series). Current gaming console (PS5, Xbox Series X). Multiple streaming subscriptions (Netflix Premium, HBO Max/Max, Disney+ Bundle).", "itemIcon": "bi-controller", "financialNote": "Investing in a comfortable home entertainment setup.", "badges": ["premium"]}
-      ]},
-      { "min": 7, "items": [
-          { "title": "VIP Experiences & Season Tickets", "desc": "VIP packages for concerts/festivals (e.g., Coachella, Glastonbury). Season tickets (club level) for favorite professional sports teams. Memberships to private social or sports clubs (golf, tennis).", "itemIcon": "bi-patch-check-fill", "financialNote": "Premium access and regular attendance at high-demand events.", "badges": ["premium", "statusSymbol"], "budgetPercentRange": "15-20% of leisure budget"},
-          { "title": "High-End Hobbies & Collections", "desc": "Collecting art (attending Art Basel, Frieze), fine wines, luxury watches (Rolex, Omega), or vintage guitars. Golf memberships at exclusive clubs. Attending prestigious international events like the Monaco Grand Prix or Wimbledon.", "itemIcon": "bi-gem", "financialNote": "Hobbies become significant investments.", "badges": ["premium", "aspirational"]}
-      ]},
-      { "min": 10, "items": [
-          { "title": "Courtside, Backstage & Gala Access", "desc": "Courtside seats at major sporting events (NBA Finals), front row at Fashion Week (Paris, Milan). Backstage passes for top performers. Attending exclusive galas, charity balls, and events like the Oscars, Cannes Film Festival, or Met Gala.", "itemIcon": "bi-star-fill", "financialNote": "Access to the most exclusive entertainment and cultural events.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Varies widely"},
-          { "title": "Patronage of Arts / Sports Team Investment", "desc": "Significant philanthropic contributions to major cultural institutions (MoMA, Tate Modern, Metropolitan Opera). Investing in Broadway productions or independent films. Potential for part-ownership in a professional sports franchise.", "itemIcon": "bi-film", "financialNote": "Shaping culture and sports through significant financial involvement.", "badges": ["ultraPremium"]}
-      ]}
+      {
+        "min": 0,
+        "items": [
+          {
+            "title": "Free & Low-Cost Fun",
+            "desc": "Utilizing public libraries (books, DVDs, programs), free local concerts/events, hiking. Streaming via ad-supported tiers (Spotify Free, YouTube, Peacock Free) or shared family accounts.",
+            "itemIcon": "bi-headphones",
+            "financialNote": "Entertainment relies on free or very low-cost community resources.",
+            "badges": ["budgetSmart"],
+            "budgetPercentRange": "<5% of leisure budget"
+          },
+          {
+            "title": "DIY & Community Hobbies",
+            "desc": "Drawing, writing, learning from free online resources. Board games or card games with friends and family. Community sports leagues.",
+            "itemIcon": "bi-brush",
+            "financialNote": "Creativity and social connection over monetary spend.",
+            "badges": ["budgetSmart"]
+          }
+        ]
+      },
+      {
+        "min": 2,
+        "items": [
+          {
+            "title": "Local Events & Streaming Subscriptions",
+            "desc": "Catching a movie at matinee prices, attending local fairs or high school sports. Subscribing to 1-2 basic streaming services (e.g., Netflix Standard with Ads, Disney+ Basic).",
+            "itemIcon": "bi-ticket-fill",
+            "financialNote": "Small, planned entertainment expenses. Balancing cost and enjoyment.",
+            "badges": [],
+            "budgetPercentRange": "5-10% of leisure budget"
+          },
+          {
+            "title": "Family Social Outings",
+            "desc": "Bowling, mini-golf, local amateur theater. Potluck dinners with friends.",
+            "itemIcon": "bi-people-fill",
+            "financialNote": "Affordable social activities.",
+            "badges": []
+          }
+        ]
+      },
+      {
+        "min": 4,
+        "items": [
+          {
+            "title": "Major Concerts & Live Sports",
+            "desc": "Attending concerts of popular artists (e.g., Taylor Swift, Ed Sheeran - if lucky with tickets!) or professional sporting events (e.g., MLB, NBA, Premier League) a few times a year. Maybe a local ski pass or theme park annual pass.",
+            "itemIcon": "bi-boombox-fill",
+            "financialNote": "Budgeting for higher-cost entertainment experiences.",
+            "badges": ["milestone"],
+            "budgetPercentRange": "10-15% of leisure budget"
+          },
+          {
+            "title": "Enhanced Home Entertainment",
+            "desc": "Good quality 4K TV (e.g., TCL, Hisense U-Series), a decent soundbar (e.g., Sonos Ray, Vizio M-Series). Current gaming console (PS5, Xbox Series X). Multiple streaming subscriptions (Netflix Premium, HBO Max/Max, Disney+ Bundle).",
+            "itemIcon": "bi-controller",
+            "financialNote": "Investing in a comfortable home entertainment setup.",
+            "badges": ["premium"]
+          }
+        ]
+      },
+      {
+        "min": 7,
+        "items": [
+          {
+            "title": "VIP Experiences & Season Tickets",
+            "desc": "VIP packages for concerts/festivals (e.g., Coachella, Glastonbury). Season tickets (club level) for favorite professional sports teams. Memberships to private social or sports clubs (golf, tennis).",
+            "itemIcon": "bi-patch-check-fill",
+            "financialNote": "Premium access and regular attendance at high-demand events.",
+            "badges": ["premium", "statusSymbol"],
+            "budgetPercentRange": "15-20% of leisure budget"
+          },
+          {
+            "title": "High-End Hobbies & Collections",
+            "desc": "Collecting art (attending Art Basel, Frieze), fine wines, luxury watches (Rolex, Omega), or vintage guitars. Golf memberships at exclusive clubs. Attending prestigious international events like the Monaco Grand Prix or Wimbledon.",
+            "itemIcon": "bi-gem",
+            "financialNote": "Hobbies become significant investments.",
+            "badges": ["premium", "aspirational"]
+          }
+        ]
+      },
+      {
+        "min": 10,
+        "items": [
+          {
+            "title": "Courtside, Backstage & Gala Access",
+            "desc": "Courtside seats at major sporting events (NBA Finals), front row at Fashion Week (Paris, Milan). Backstage passes for top performers. Attending exclusive galas, charity balls, and events like the Oscars, Cannes Film Festival, or Met Gala.",
+            "itemIcon": "bi-star-fill",
+            "financialNote": "Access to the most exclusive entertainment and cultural events.",
+            "badges": ["ultraPremium", "statusSymbol"],
+            "budgetPercentRange": "Varies widely"
+          },
+          {
+            "title": "Patronage of Arts / Sports Team Investment",
+            "desc": "Significant philanthropic contributions to major cultural institutions (MoMA, Tate Modern, Metropolitan Opera). Investing in Broadway productions or independent films. Potential for part-ownership in a professional sports franchise.",
+            "itemIcon": "bi-film",
+            "financialNote": "Shaping culture and sports through significant financial involvement.",
+            "badges": ["ultraPremium"]
+          }
+        ]
+      }
     ],
     "education": [
-      { "min": 0, "items": [
-          { "title": "Public School & Library Resources", "desc": "Children attend local public schools. Heavy reliance on public library for books, computers, and educational programs. Free online resources like Khan Academy, YouTube tutorials.", "itemIcon": "bi-book-fill", "financialNote": "Education primarily via free public resources. For adults, self-teaching.", "badges": ["essential", "budgetSmart"], "budgetPercentRange": "Minimal direct cost"},
-          { "title": "Community Learning", "desc": "Free or low-cost community center classes, adult literacy programs. Skill-swapping with friends or neighbors.", "itemIcon": "bi-lightbulb-fill", "financialNote": "Focus on accessible learning opportunities.", "badges": ["budgetSmart"]}
-      ]},
-      { "min": 2, "items": [
-          { "title": "Public University (In-State) / Community College", "desc": "Children may attend in-state public universities with aid/loans, or community colleges. Adults might take vocational courses or online certificates (e.g., Google Career Certificates, Coursera specialization for a fee).", "itemIcon": "bi-mortarboard-fill", "financialNote": "Managing student loan debt is a significant concern. Balancing work and study.", "badges": ["milestone"], "budgetPercentRange": "Varies (loans/savings)"},
-          { "title": "Trade School & Certifications", "desc": "Focus on practical skills via vocational programs, apprenticeships for trades. Online certifications for specific job skills (e.g., CompTIA for IT).", "itemIcon": "bi-tools", "financialNote": "Investing in skills for career advancement.", "badges": []}
-      ]},
-      { "min": 4, "items": [
-          { "title": "Choice of Public or Private University (with aid/loans)", "desc": "Children attend well-regarded state universities or private universities if scholarships/aid make it feasible. Adults may pursue an MBA from a state school or reputable online program (e.g., UIUC iMBA, Indiana Kelley Direct). Regular contributions to 529 plans or equivalent education savings.", "itemIcon": "bi-bank", "financialNote": "Strategic planning for education costs. Paying down student loans while investing for children's future.", "badges": ["aspirational", "milestone"], "budgetPercentRange": "5-15% of income towards savings/loans"},
-          { "title": "Professional Development & Workshops", "desc": "Investing in ongoing professional development: industry conferences (e.g., local tech meetups, marketing seminars), specialized workshops, LinkedIn Learning, MasterClass subscriptions.", "itemIcon": "bi-graph-up-arrow", "financialNote": "Continuous learning for career growth.", "badges": ["premium"]}
-      ]},
-      { "min": 7, "items": [
-          { "title": "Elite Universities & Graduate Programs", "desc": "Children may attend highly selective private universities, Ivy League institutions, or top-tier global universities (e.g., Stanford, MIT, Oxbridge) for undergraduate or graduate studies. This may involve less reliance on loans.", "itemIcon": "bi-building-fill-check", "financialNote": "Education costs are a significant but manageable investment in children's future. For adults, executive MBAs (e.g., Wharton, INSEAD).", "badges": ["premium", "statusSymbol"], "budgetPercentRange": "Significant, planned expense"},
-          { "title": "Private Tutoring & Specialized Coaching", "desc": "Hiring private tutors for children (e.g., SAT/ACT prep, subject-specific, via services like Crimson Education or local experts). Executive coaching for adults (e.g., BetterUp). Language immersion programs abroad or specialized skill retreats (e.g., Le Cordon Bleu for culinary enthusiasts).", "itemIcon": "bi-person-video3", "financialNote": "Personalized educational support and enrichment.", "badges": ["premium", "convenience"]}
-      ]},
-      { "min": 10, "items": [
-          { "title": "Elite Global Education & Bespoke Learning", "desc": "Children attend prestigious international boarding schools (e.g., Le Rosey in Switzerland, Eton College in UK, Phillips Exeter Academy in US). Custom educational programs, potentially 'world-schooling' with a team of private tutors. University admission consulting from top firms.", "itemIcon": "bi-globe2", "financialNote": "Providing the most exclusive and tailored global education for the family.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Very significant expense"},
-          { "title": "University Endowments & Philanthropic Learning", "desc": "Making significant philanthropic contributions to alma maters or prestigious universities, potentially leading to named buildings, professorships, or scholarship funds. Pursuing personal intellectual interests through curated experiences like Aspen Ideas Festival, TED conferences (as a patron), or private scholarly pursuits.", "itemIcon": "bi-capslock-fill", "financialNote": "Shaping educational institutions and pursuing knowledge at the highest levels.", "badges": ["ultraPremium"]}
-      ]}
+      {
+        "min": 0,
+        "items": [
+          {
+            "title": "Public School & Library Resources",
+            "desc": "Children attend local public schools. Heavy reliance on public library for books, computers, and educational programs. Free online resources like Khan Academy, YouTube tutorials.",
+            "itemIcon": "bi-book-fill",
+            "financialNote": "Education primarily via free public resources. For adults, self-teaching.",
+            "badges": ["essential", "budgetSmart"],
+            "budgetPercentRange": "Minimal direct cost"
+          },
+          {
+            "title": "Community Learning",
+            "desc": "Free or low-cost community center classes, adult literacy programs. Skill-swapping with friends or neighbors.",
+            "itemIcon": "bi-lightbulb-fill",
+            "financialNote": "Focus on accessible learning opportunities.",
+            "badges": ["budgetSmart"]
+          }
+        ]
+      },
+      {
+        "min": 2,
+        "items": [
+          {
+            "title": "Public University (In-State) / Community College",
+            "desc": "Children may attend in-state public universities with aid/loans, or community colleges. Adults might take vocational courses or online certificates (e.g., Google Career Certificates, Coursera specialization for a fee).",
+            "itemIcon": "bi-mortarboard-fill",
+            "financialNote": "Managing student loan debt is a significant concern. Balancing work and study.",
+            "badges": ["milestone"],
+            "budgetPercentRange": "Varies (loans/savings)"
+          },
+          {
+            "title": "Trade School & Certifications",
+            "desc": "Focus on practical skills via vocational programs, apprenticeships for trades. Online certifications for specific job skills (e.g., CompTIA for IT).",
+            "itemIcon": "bi-tools",
+            "financialNote": "Investing in skills for career advancement.",
+            "badges": []
+          }
+        ]
+      },
+      {
+        "min": 4,
+        "items": [
+          {
+            "title": "Choice of Public or Private University (with aid/loans)",
+            "desc": "Children attend well-regarded state universities or private universities if scholarships/aid make it feasible. Adults may pursue an MBA from a state school or reputable online program (e.g., UIUC iMBA, Indiana Kelley Direct). Regular contributions to 529 plans or equivalent education savings.",
+            "itemIcon": "bi-bank",
+            "financialNote": "Strategic planning for education costs. Paying down student loans while investing for children's future.",
+            "badges": ["aspirational", "milestone"],
+            "budgetPercentRange": "5-15% of income towards savings/loans"
+          },
+          {
+            "title": "Professional Development & Workshops",
+            "desc": "Investing in ongoing professional development: industry conferences (e.g., local tech meetups, marketing seminars), specialized workshops, LinkedIn Learning, MasterClass subscriptions.",
+            "itemIcon": "bi-graph-up-arrow",
+            "financialNote": "Continuous learning for career growth.",
+            "badges": ["premium"]
+          }
+        ]
+      },
+      {
+        "min": 7,
+        "items": [
+          {
+            "title": "Elite Universities & Graduate Programs",
+            "desc": "Children may attend highly selective private universities, Ivy League institutions, or top-tier global universities (e.g., Stanford, MIT, Oxbridge) for undergraduate or graduate studies. This may involve less reliance on loans.",
+            "itemIcon": "bi-building-fill-check",
+            "financialNote": "Education costs are a significant but manageable investment in children's future. For adults, executive MBAs (e.g., Wharton, INSEAD).",
+            "badges": ["premium", "statusSymbol"],
+            "budgetPercentRange": "Significant, planned expense"
+          },
+          {
+            "title": "Private Tutoring & Specialized Coaching",
+            "desc": "Hiring private tutors for children (e.g., SAT/ACT prep, subject-specific, via services like Crimson Education or local experts). Executive coaching for adults (e.g., BetterUp). Language immersion programs abroad or specialized skill retreats (e.g., Le Cordon Bleu for culinary enthusiasts).",
+            "itemIcon": "bi-person-video3",
+            "financialNote": "Personalized educational support and enrichment.",
+            "badges": ["premium", "convenience"]
+          }
+        ]
+      },
+      {
+        "min": 10,
+        "items": [
+          {
+            "title": "Elite Global Education & Bespoke Learning",
+            "desc": "Children attend prestigious international boarding schools (e.g., Le Rosey in Switzerland, Eton College in UK, Phillips Exeter Academy in US). Custom educational programs, potentially 'world-schooling' with a team of private tutors. University admission consulting from top firms.",
+            "itemIcon": "bi-globe2",
+            "financialNote": "Providing the most exclusive and tailored global education for the family.",
+            "badges": ["ultraPremium", "statusSymbol"],
+            "budgetPercentRange": "Very significant expense"
+          },
+          {
+            "title": "University Endowments & Philanthropic Learning",
+            "desc": "Making significant philanthropic contributions to alma maters or prestigious universities, potentially leading to named buildings, professorships, or scholarship funds. Pursuing personal intellectual interests through curated experiences like Aspen Ideas Festival, TED conferences (as a patron), or private scholarly pursuits.",
+            "itemIcon": "bi-capslock-fill",
+            "financialNote": "Shaping educational institutions and pursuing knowledge at the highest levels.",
+            "badges": ["ultraPremium"]
+          }
+        ]
+      }
     ],
     "services": [
-      { "min": 0, "items": [
-          { "title": "DIY Everything", "desc": "Haircuts at home or very cheap barbers. All cleaning, cooking, laundry, basic repairs done by family members. Mending clothes instead of replacing.", "itemIcon": "bi-scissors", "financialNote": "Services self-performed to save money. Time is traded for cost savings.", "badges": ["essential", "budgetSmart"], "budgetPercentRange": "Minimal"},
-          { "title": "Community & Family Support", "desc": "Relying on friends, family, or community groups for childcare, occasional help with moves, or pet-sitting. Bartering skills or services.", "itemIcon": "bi-house-heart", "financialNote": "Strong reliance on social support network.", "badges": ["budgetSmart"]}
-      ]},
-      { "min": 2, "items": [
-          { "title": "Basic Maintenance Services", "desc": "Budget haircuts (e.g., Great Clips, local barber). Occasional use of TaskRabbit or a local handyman for a specific repair that's beyond DIY skills. Laundromat if no in-unit laundry.", "itemIcon": "bi-wrench-adjustable-circle", "financialNote": "Limited use of paid services for essential maintenance.", "badges": [], "budgetPercentRange": "<5% of discretionary"},
-          { "title": "Occasional Convenience Services", "desc": "A rare treat of house cleaning (perhaps once or twice a year). Trying a meal kit delivery service (e.g., HelloFresh, Blue Apron) for a short period with a discount offer.", "itemIcon": "bi-bucket", "financialNote": "Convenience services are infrequent splurges.", "badges": ["convenience"]}
-      ]},
-      { "min": 4, "items": [
-          { "title": "Regular Personal Care & Home Help", "desc": "Monthly mid-range salon haircuts/styling (e.g., Toni&Guy, local independent salons). Bi-weekly or monthly house cleaning service. Regular lawn care service. Frequent food delivery (DoorDash, Uber Eats). Occasional dog walker or pet sitter.", "itemIcon": "bi-person-check-fill", "financialNote": "Services to save time and maintain quality of life.", "badges": ["convenience", "premium"], "budgetPercentRange": "5-10% of discretionary"},
-          { "title": "Gym Membership & Wellness Subscriptions", "desc": "Membership at a nicer gym chain (e.g., LA Fitness, Anytime Fitness) or boutique fitness classes (e.g., F45, Orangetheory, ClassPass). Regular massages or wellness treatments. Subscriptions to wellness apps (e.g., Headspace, Calm, Peloton Digital).", "itemIcon": "bi-heart-pulse", "financialNote": "Investing in health, fitness, and well-being.", "badges": ["premium"]}
-      ]},
-      { "min": 7, "items": [
-          { "title": "Concierge & Enhanced Personal Services", "desc": "Part-time personal assistant (virtual or in-person). Premium spa treatments and wellness retreats (e.g., Canyon Ranch, Miraval). Personal shopper or stylist services (e.g., Nordstrom Stylist, independent consultants).", "itemIcon": "bi-person-rolodex", "financialNote": "High-touch services for personalized convenience and lifestyle management.", "badges": ["premium", "convenience", "statusSymbol"], "budgetPercentRange": "10-15% of discretionary"},
-          { "title": "Comprehensive Household Support", "desc": "Full-time or regular part-time nanny or au pair. Professional landscaping and pool maintenance. Regular dog walker, mobile pet groomer. Private chef for some family meals or dinner parties. Custom tailoring.", "itemIcon": "bi-house-gear", "financialNote": "Significant delegation of household tasks to professionals.", "badges": ["premium", "convenience"]}
-      ]},
-      { "min": 10, "items": [
-          { "title": "Full Estate Management & Bespoke Staff", "desc": "Employing a team: butler, private chef (Michelin-star experienced), multiple full-time housekeepers, groundskeepers, personal security detail (close protection officers), chauffeurs. Estate manager or chief of staff to oversee operations.", "itemIcon": "bi-shield-lock-fill", "financialNote": "Running a large household or multiple properties like a small business.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Varies widely"},
-          { "title": "Elite Global Concierge Services", "desc": "Membership with high-end global concierge services (e.g., Quintessentially, Ten Lifestyle Group, Knightsbridge Circle) for any request: sourcing rare luxury goods (Hermès Birkin, Patek Philippe), planning intricate multi-destination trips, accessing exclusive events, superyacht charters.", "itemIcon": "bi-headset", "financialNote": "Access to a network that can fulfill virtually any request, anywhere.", "badges": ["ultraPremium", "convenience"]}
-      ]}
+      {
+        "min": 0,
+        "items": [
+          {
+            "title": "DIY Everything",
+            "desc": "Haircuts at home or very cheap barbers. All cleaning, cooking, laundry, basic repairs done by family members. Mending clothes instead of replacing.",
+            "itemIcon": "bi-scissors",
+            "financialNote": "Services self-performed to save money. Time is traded for cost savings.",
+            "badges": ["essential", "budgetSmart"],
+            "budgetPercentRange": "Minimal"
+          },
+          {
+            "title": "Community & Family Support",
+            "desc": "Relying on friends, family, or community groups for childcare, occasional help with moves, or pet-sitting. Bartering skills or services.",
+            "itemIcon": "bi-house-heart",
+            "financialNote": "Strong reliance on social support network.",
+            "badges": ["budgetSmart"]
+          }
+        ]
+      },
+      {
+        "min": 2,
+        "items": [
+          {
+            "title": "Basic Maintenance Services",
+            "desc": "Budget haircuts (e.g., Great Clips, local barber). Occasional use of TaskRabbit or a local handyman for a specific repair that's beyond DIY skills. Laundromat if no in-unit laundry.",
+            "itemIcon": "bi-wrench-adjustable-circle",
+            "financialNote": "Limited use of paid services for essential maintenance.",
+            "badges": [],
+            "budgetPercentRange": "<5% of discretionary"
+          },
+          {
+            "title": "Occasional Convenience Services",
+            "desc": "A rare treat of house cleaning (perhaps once or twice a year). Trying a meal kit delivery service (e.g., HelloFresh, Blue Apron) for a short period with a discount offer.",
+            "itemIcon": "bi-bucket",
+            "financialNote": "Convenience services are infrequent splurges.",
+            "badges": ["convenience"]
+          }
+        ]
+      },
+      {
+        "min": 4,
+        "items": [
+          {
+            "title": "Regular Personal Care & Home Help",
+            "desc": "Monthly mid-range salon haircuts/styling (e.g., Toni&Guy, local independent salons). Bi-weekly or monthly house cleaning service. Regular lawn care service. Frequent food delivery (DoorDash, Uber Eats). Occasional dog walker or pet sitter.",
+            "itemIcon": "bi-person-check-fill",
+            "financialNote": "Services to save time and maintain quality of life.",
+            "badges": ["convenience", "premium"],
+            "budgetPercentRange": "5-10% of discretionary"
+          },
+          {
+            "title": "Gym Membership & Wellness Subscriptions",
+            "desc": "Membership at a nicer gym chain (e.g., LA Fitness, Anytime Fitness) or boutique fitness classes (e.g., F45, Orangetheory, ClassPass). Regular massages or wellness treatments. Subscriptions to wellness apps (e.g., Headspace, Calm, Peloton Digital).",
+            "itemIcon": "bi-heart-pulse",
+            "financialNote": "Investing in health, fitness, and well-being.",
+            "badges": ["premium"]
+          }
+        ]
+      },
+      {
+        "min": 7,
+        "items": [
+          {
+            "title": "Concierge & Enhanced Personal Services",
+            "desc": "Part-time personal assistant (virtual or in-person). Premium spa treatments and wellness retreats (e.g., Canyon Ranch, Miraval). Personal shopper or stylist services (e.g., Nordstrom Stylist, independent consultants).",
+            "itemIcon": "bi-person-rolodex",
+            "financialNote": "High-touch services for personalized convenience and lifestyle management.",
+            "badges": ["premium", "convenience", "statusSymbol"],
+            "budgetPercentRange": "10-15% of discretionary"
+          },
+          {
+            "title": "Comprehensive Household Support",
+            "desc": "Full-time or regular part-time nanny or au pair. Professional landscaping and pool maintenance. Regular dog walker, mobile pet groomer. Private chef for some family meals or dinner parties. Custom tailoring.",
+            "itemIcon": "bi-house-gear",
+            "financialNote": "Significant delegation of household tasks to professionals.",
+            "badges": ["premium", "convenience"]
+          }
+        ]
+      },
+      {
+        "min": 10,
+        "items": [
+          {
+            "title": "Full Estate Management & Bespoke Staff",
+            "desc": "Employing a team: butler, private chef (Michelin-star experienced), multiple full-time housekeepers, groundskeepers, personal security detail (close protection officers), chauffeurs. Estate manager or chief of staff to oversee operations.",
+            "itemIcon": "bi-shield-lock-fill",
+            "financialNote": "Running a large household or multiple properties like a small business.",
+            "badges": ["ultraPremium", "statusSymbol"],
+            "budgetPercentRange": "Varies widely"
+          },
+          {
+            "title": "Elite Global Concierge Services",
+            "desc": "Membership with high-end global concierge services (e.g., Quintessentially, Ten Lifestyle Group, Knightsbridge Circle) for any request: sourcing rare luxury goods (Hermès Birkin, Patek Philippe), planning intricate multi-destination trips, accessing exclusive events, superyacht charters.",
+            "itemIcon": "bi-headset",
+            "financialNote": "Access to a network that can fulfill virtually any request, anywhere.",
+            "badges": ["ultraPremium", "convenience"]
+          }
+        ]
+      }
     ],
     "financialServices": [
-      { "min": 0, "items": [
-          { "title": "Basic Banking & Survival Mode", "desc": "Focus on immediate needs. May use check-cashing services or rely on basic bank accounts (e.g., Chase Secure Banking, local credit union basic account) with minimal fees. Debt is often high-interest (payday loans, credit cards for essentials). Savings are minimal or for very short-term emergencies. No investments.", "itemIcon": "bi-piggy-bank-fill", "financialNote": "Financial stability is precarious. Often unbanked or underbanked.", "badges": ["essential"], "budgetPercentRange": "N/A"},
-          { "title": "Community Financial Literacy", "desc": "May seek help from community financial literacy programs, non-profit credit counseling (e.g., NFCC), or government assistance programs if eligible.", "itemIcon": "bi-info-circle-fill", "financialNote": "Seeking foundational financial knowledge and support.", "badges": ["budgetSmart"]}
-      ]},
-      { "min": 2, "items": [
-          { "title": "Building Emergency Fund & Basic Retirement", "desc": "Goal: 3-6 months of expenses in an emergency fund (e.g., in a high-yield savings account like Ally or Marcus). Starting contributions to employer-sponsored retirement plans (401k, 403b) to get any employer match, or opening a Roth IRA (e.g., with Vanguard, Fidelity, Schwab). Initial investments in simple, low-cost target-date funds or broad market index ETFs (e.g., VTI, IXUS).", "itemIcon": "bi-graph-up", "financialNote": "Laying the groundwork for financial security.", "badges": ["essential", "milestone"], "budgetPercentRange": "5-10% of income to savings"},
-          { "title": "Debt Management & Budgeting Tools", "desc": "Actively working to pay down high-interest debt (credit cards, personal loans) using strategies like debt snowball or avalanche. Utilizing budgeting apps (e.g., YNAB, Mint, Personal Capital) and learning about compound interest and long-term planning via blogs/podcasts (e.g., The Ramsey Show, ChooseFI).", "itemIcon": "bi-calculator", "financialNote": "Taking control of debt and cash flow.", "badges": ["budgetSmart"]}
-      ]},
-      { "min": 4, "items": [
-          { "title": "Maxing Retirement Accounts & Diversification", "desc": "Aiming to max out tax-advantaged retirement accounts (401k, Roth IRA, HSA if applicable). Building a diversified portfolio in taxable brokerage accounts with low-cost index funds/ETFs covering US large/small cap, international stocks, and bonds (e.g., Boglehead three-fund portfolio). Asset allocation is a conscious decision.", "itemIcon": "bi-briefcase-fill", "financialNote": "Systematic wealth accumulation phase.", "badges": ["milestone", "premium"], "budgetPercentRange": "10-20% of income to savings/investments"},
-          { "title": "Robo-Advisors & Goal-Based Savings", "desc": "May use robo-advisors (e.g., Betterment, Wealthfront, Schwab Intelligent Portfolios) for automated investment management and tax-loss harvesting. Saving for specific goals like a house down payment, children's education (529 plans). Understanding of investment fees and tax implications grows.", "itemIcon": "bi-robot", "financialNote": "Leveraging technology for investment management.", "badges": ["smartChoice"]}
-      ]},
-      { "min": 7, "items": [
-          { "title": "Comprehensive Financial Planning", "desc": "Portfolio likely $500K+. Engaging a fee-only Certified Financial Planner (CFP) or wealth advisor (e.g., from firms like Edelman Financial Engines, or independent RIAs) for holistic advice. Focus on tax optimization strategies (asset location, tax-loss harvesting, charitable giving with Donor Advised Funds). May invest in individual stocks, sector ETFs, or actively managed funds.", "itemIcon": "bi-person-lines-fill", "financialNote": "Professional guidance for complex financial situations.", "badges": ["premium", "milestone"], "budgetPercentRange": "15-25%+ of income to savings/investments"},
-          { "title": "Exploring Alternative Investments & Estate Planning Basics", "desc": "Considering direct real estate investments (rental properties), REITs (e.g., VNQ), or accredited investor platforms for private placements (e.g., Yieldstreet, Fundrise - check accreditation). Initiating estate planning (wills, trusts, powers of attorney). Reviewing insurance needs (term life, disability, umbrella).", "itemIcon": "bi-building-gear", "financialNote": "Expanding investment horizons and protecting assets.", "badges": ["aspirational"]}
-      ]},
-      { "min": 10, "items": [
-          { "title": "Sophisticated Wealth Management & Private Banking", "desc": "Portfolio typically $1.5M-$5M+. Working with private wealth managers at major banks (e.g., Goldman Sachs Private Wealth, J.P. Morgan Private Bank, UBS) or specialized RIAs. Diversifying into hedge funds, private equity, venture capital (often through feeder funds or platforms for accredited investors). Advanced tax planning for concentrated stock, business ownership, or QOFs.", "itemIcon": "bi-bank2", "financialNote": "High-level strategic management of substantial assets.", "badges": ["ultraPremium", "statusSymbol"], "budgetPercentRange": "Significant portion managed"},
-          { "title": "Family Office Services & Legacy Planning", "desc": "For High Net Worth ($5M+) to Ultra High Net Worth ($30M+) individuals/families. May engage a multi-family office or establish a single-family office. Focus on intergenerational wealth transfer, complex trust structures (GRATs, dynasty trusts, ILITs), sophisticated philanthropic strategies (private foundations), and robust asset protection. Managing international assets and cross-border tax laws.", "itemIcon": "bi-diagram-3-fill", "financialNote": "Comprehensive, bespoke financial stewardship for generational wealth.", "badges": ["ultraPremium"]}
-      ]}
+      {
+        "min": 0,
+        "items": [
+          {
+            "title": "Basic Banking & Survival Mode",
+            "desc": "Focus on immediate needs. May use check-cashing services or rely on basic bank accounts (e.g., Chase Secure Banking, local credit union basic account) with minimal fees. Debt is often high-interest (payday loans, credit cards for essentials). Savings are minimal or for very short-term emergencies. No investments.",
+            "itemIcon": "bi-piggy-bank-fill",
+            "financialNote": "Financial stability is precarious. Often unbanked or underbanked.",
+            "badges": ["essential"],
+            "budgetPercentRange": "N/A"
+          },
+          {
+            "title": "Community Financial Literacy",
+            "desc": "May seek help from community financial literacy programs, non-profit credit counseling (e.g., NFCC), or government assistance programs if eligible.",
+            "itemIcon": "bi-info-circle-fill",
+            "financialNote": "Seeking foundational financial knowledge and support.",
+            "badges": ["budgetSmart"]
+          }
+        ]
+      },
+      {
+        "min": 2,
+        "items": [
+          {
+            "title": "Building Emergency Fund & Basic Retirement",
+            "desc": "Goal: 3-6 months of expenses in an emergency fund (e.g., in a high-yield savings account like Ally or Marcus). Starting contributions to employer-sponsored retirement plans (401k, 403b) to get any employer match, or opening a Roth IRA (e.g., with Vanguard, Fidelity, Schwab). Initial investments in simple, low-cost target-date funds or broad market index ETFs (e.g., VTI, IXUS).",
+            "itemIcon": "bi-graph-up",
+            "financialNote": "Laying the groundwork for financial security.",
+            "badges": ["essential", "milestone"],
+            "budgetPercentRange": "5-10% of income to savings"
+          },
+          {
+            "title": "Debt Management & Budgeting Tools",
+            "desc": "Actively working to pay down high-interest debt (credit cards, personal loans) using strategies like debt snowball or avalanche. Utilizing budgeting apps (e.g., YNAB, Mint, Personal Capital) and learning about compound interest and long-term planning via blogs/podcasts (e.g., The Ramsey Show, ChooseFI).",
+            "itemIcon": "bi-calculator",
+            "financialNote": "Taking control of debt and cash flow.",
+            "badges": ["budgetSmart"]
+          }
+        ]
+      },
+      {
+        "min": 4,
+        "items": [
+          {
+            "title": "Maxing Retirement Accounts & Diversification",
+            "desc": "Aiming to max out tax-advantaged retirement accounts (401k, Roth IRA, HSA if applicable). Building a diversified portfolio in taxable brokerage accounts with low-cost index funds/ETFs covering US large/small cap, international stocks, and bonds (e.g., Boglehead three-fund portfolio). Asset allocation is a conscious decision.",
+            "itemIcon": "bi-briefcase-fill",
+            "financialNote": "Systematic wealth accumulation phase.",
+            "badges": ["milestone", "premium"],
+            "budgetPercentRange": "10-20% of income to savings/investments"
+          },
+          {
+            "title": "Robo-Advisors & Goal-Based Savings",
+            "desc": "May use robo-advisors (e.g., Betterment, Wealthfront, Schwab Intelligent Portfolios) for automated investment management and tax-loss harvesting. Saving for specific goals like a house down payment, children's education (529 plans). Understanding of investment fees and tax implications grows.",
+            "itemIcon": "bi-robot",
+            "financialNote": "Leveraging technology for investment management.",
+            "badges": ["smartChoice"]
+          }
+        ]
+      },
+      {
+        "min": 7,
+        "items": [
+          {
+            "title": "Comprehensive Financial Planning",
+            "desc": "Portfolio likely $500K - $2.5M+. Engage a fee-only Certified Financial Planner (CFP) or wealth advisor for holistic advice. Focus on tax optimization, diversified public market investments, robust insurance coverage (life, disability, umbrella), and foundational estate planning (wills, powers of attorney).",
+            "itemIcon": "bi-person-lines-fill",
+            "financialNote": "Professional guidance for growing wealth and managing complexity.",
+            "badges": ["premium", "milestone"],
+            "budgetPercentRange": "15-25%+ of income to savings/investments"
+          },
+          {
+            "title": "Accredited Investor Opportunities",
+            "desc": "Beginning to qualify as an accredited investor, gaining access to a broader range of investments like REITs, private real estate syndications (e.g., via platforms like CrowdStreet or RealCrowd, if criteria met), or angel investment groups. Understanding and managing higher risk is key.",
+            "itemIcon": "bi-building-check",
+            "financialNote": "Expanding investment horizons beyond public markets.",
+            "badges": ["aspirational", "premium"]
+          }
+        ]
+      },
+      {
+        "min": 10,
+        "items": [
+          {
+            "title": "Advanced Wealth Management / Private Banking",
+            "desc": "Portfolios typically $2.5M - $25M+. Working with dedicated private bankers or established wealth management firms (e.g., Morgan Stanley, Merrill Lynch, or independent RIAs). Access to more sophisticated alternative investments (hedge funds, private equity via funds-of-funds or direct), structured notes, and bespoke lending solutions. Advanced tax and estate strategies, including various trust structures.",
+            "itemIcon": "bi-bank2",
+            "financialNote": "High-touch, comprehensive management for significant wealth. Focus on capital preservation, growth, and tax efficiency.",
+            "badges": ["ultraPremium", "statusSymbol"],
+            "budgetPercentRange": "Significant portion managed actively"
+          },
+          {
+            "title": "Strategic Philanthropy & Complex Asset Management",
+            "desc": "Managing concentrated stock positions, business succession planning, or sale of a business. Establishing and managing Donor Advised Funds or smaller private foundations. Integrating art, collectibles, or passion assets into the overall wealth picture. May involve specialized consultants.",
+            "itemIcon": "bi-gem",
+            "financialNote": "Wealth used for broader impact and management of non-traditional assets.",
+            "badges": ["ultraPremium", "aspirational"]
+          }
+        ]
+      },
+      {
+        "min": 13,
+        "items": [
+          {
+            "title": "Dedicated Family Office / Institutional-Level Management",
+            "desc": "Portfolios $25M - $1B++. Often involves establishing a single-family office or leveraging a sophisticated multi-family office. Direct investments in private equity, venture capital, and real estate development. Global asset allocation, currency hedging, and complex international tax planning. Access to institutional-grade investment opportunities and co-investments.",
+            "itemIcon": "bi-diagram-3-fill",
+            "financialNote": "Holistic management of substantial, often global, family wealth and business interests as an enterprise.",
+            "badges": ["ultraPremium", "statusSymbol"],
+            "budgetPercentRange": "Bespoke, enterprise-level management"
+          },
+          {
+            "title": "Dynastic Legacy, Impact Investing & Global Influence",
+            "desc": "Focus on multi-generational wealth preservation and transfer strategies, often involving complex international trust structures. Establishing and managing large-scale private foundations or significant charitable trusts. Leading impact investing initiatives. Managing unique assets like sports teams, large art collections, or media companies. Navigating the highest levels of international legal, tax, and regulatory environments.",
+            "itemIcon": "bi-globe2",
+            "financialNote": "Shaping legacy through significant philanthropic, business, and investment endeavors on a global scale.",
+            "badges": ["ultraPremium", "statusSymbol"]
+          }
+        ]
+      }
     ]
   }
-}
\ No newline at end of file
+}