REVISION REQUIRED: Fix investment advice and math error before publishing.

ISSUE 1 — Investment Advice (CRITICAL): Replace this sentence in "What This Means for Your Portfolio":

CURRENT: "Borrowers in this position may consider options such as delaying Social Security to age 70 (which increases lifetime benefits by 24%), avoiding forced liquidations during market drawdowns, or funding long-term care without selling appreciated securities and recognizing capital gains."

REVISED: "A reverse mortgage line of credit enables non-taxable access to liquidity without triggering forced asset sales during market downturns. For example, a 68-year-old retiree could draw from a reverse mortgage instead of liquidating a declining portfolio, or instead of withdrawing from IRAs and recognizing taxable income. The non-taxable nature of reverse mortgage proceeds means no federal income tax on draws, unlike IRA or investment account withdrawals."

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ISSUE 2 — Scenario Analysis Math Error (CRITICAL): The 'Cost of Capital' column does not reconcile with a 6.2% compounded rate over 10 years. For the $750K liquid / $1.5M home row:

• $855,000 draw at 6.2% compounded annually for 10 years = ~$1,532,000 owed
• Accrued interest ≈ $677,000, not $298,350

EITHER: (A) Recalculate using the correct compound interest formula: FV = PV × (1 + r)^n (B) Clarify what 'Cost of Capital' represents (e.g., annual servicing fee only, or simple interest, or something else) (C) Include the formula used in the table footnote

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Please provide corrected table values or revised methodology before publishing.