{"edition":"chicago","organization":"Youth Guidance","organizationId":"org:youth-guidance","boundaryVersion":"OMB-23-01-2023-07-21","updated":"2026-10-05","display":{"metric":{"id":"daly-equivalent","years":1,"label":"DALY","priceLabel":"$ / DALY"},"priceUSD":2817635.7804571376,"canonicalPriceUSDPerTenEquivalentYears":28176357.804571375,"conversion":"display only; QALYs and income equivalents are not measured clinical DALYs"},"listDisplay":{"metric":{"id":"daly-equivalent","years":1,"label":"DALY","priceLabel":"$ / DALY"},"priceUSD":2817635.7804571376,"canonicalPriceUSDPerTenEquivalentYears":28176357.804571375,"conversion":"display only; QALYs and income equivalents are not measured clinical DALYs"},"model":{"version":"chicago-yg-deep-20261005","costScope":"Whole annual gross national recipient resources; Chicago priced channels partial, school inputs/marginal gift unknown.","geographicAttribution":".95 judged residence share of localWOW/BAM, not national benefit; cash local allocation hypothesis.","formula":"WOWhealth=b*L*g*q*t*discountedYears(D)−full union harm. BAMgrads=b*BL*.0714*.25; netearning hypothetical1000 for3years after4yrdelay. Cash150000/paidHH*.5*.9; positives overlap individually, negativesfull, costs joint before .5*HH*discountedYears*log1p(net/baseline). Separate household-year slices prevent duplication. Headline10*(C+K)/(clinical+income).","counterfactual":"Existing school/community counseling, alternative mentoring/assistance, public funding replacement and later employment continue.","attribution":"Annual funding response judged; WOW utility model transferred, BAM graduation early IV and future resources not current causal observations.","uncertainty":"Conditional reference, not calibrated full portfolio or world-net EV. Family overlap/cash recipients/school costs/marginal donor unknown.","nativeOutcomes":"Observed annual program reach and approximate cash output; not completed trial-dose, diploma gain, earned income or causal current symptom improvement. WOW utility derived, BAM net earnings hypothetical.","historicalAlphaModel":{"version":"chicago-youth-guidance-alpha-proposal-v1","costScope":"Full Youth Guidance national audited FY25 expenses plus direct special-event benefits; recognized resources included. K adds unknown unrecognized resources. No restriction to WOW or Chicago costs.","geographicAttribution":"Only local WOW reach L=3649 times g=.95 judgment, not national N=4331 times a headquarters share. Chicago and Waukegan anchors intersect the 13-county MSA; exact residence pending.","formula":"Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; price per 10 QALYs=10*cost/Q_MSA only when Q_MSA>0.","counterfactual":"Original trial: usual school/community electives and services. Current scenario discounts transfer and allows zero resource response if a gift replaces grants/reserves; no assumption that participants otherwise receive nothing.","attribution":"Whole-recipient ordinary gift; national costs retained; only MSA health counted. Other portfolio treated as unknown signed health, not asserted valueless. q preserves economic-study participant denominator.","uncertainty":"Utility mapping, effect persistence, current counselor/age/dose comparability, survey response, duplicate reach, finance elasticity, residence and other portfolio can dominate. Scenarios are not confidence intervals.","nativeOutcomes":"WOW randomized symptom scales and mapped combined depression/PTSD utility; annual reach; recipient audited expenses. BAM arrests/education not converted to health.","inputs":[{"name":"C","value":54857607,"unit":"USD FY2025 gross recognized whole-recipient expenses","basis":"observed","rationale":"Audited expenses $54,652,685 plus $204,922 direct event benefits netted against revenue. All programs, regions, administration and fundraising retained. Includes recorded donated services and in-kind resources; not cash marginal cost.","sourceIds":["audit25"]},{"name":"N","value":4331,"unit":"national annual WOW participant reach","basis":"observed","rationale":"Annual report page 6; differs from 2026 brochure's more-than-4600 2025 claim. Use report consistently, no blending.","sourceIds":["annual25","brochure"]},{"name":"L","value":3649,"unit":"annual Chicagoland/Waukegan WOW participant reach","basis":"observed","rationale":"Annual report page 16. Not verified unique completed trial-equivalent courses or exact MSA resident count.","sourceIds":["annual25"]},{"name":"q","value":0.03963808703145196,"unit":"trial-model utility gain per participant-equivalent year","basis":"judgment","rationale":"Reconstruct 2300/58025=0.039638 from original Table 5's combined depression/PTSD ICER and cost per actual participant. Study assigns minimum condition utility to avoid additive comorbidity. Algebra recovers the economic model's participant-equivalent mapped gain, not directly observed health utility or a local gift price. Transfer remains judgment.","sourceIds":["wow","doj"]},{"name":"t","value":0.5,"unit":"current effective-dose and population transfer multiplier","basis":"judgment","rationale":"Discount for grades 6–12 vs original high-school sample, intensity/completion, staff qualifications, survey mapping and current counterfactual. Does not reapply the trial's 65% offer take-up; q already uses a participant-equivalent denominator.","sourceIds":["wow","brochure"]},{"name":"D","value":0.5,"unit":"years of utility benefit per annual participant reach","basis":"judgment","rationale":"Half-year benefit then zero. No lifetime protection or two-year accumulation; same participant across fiscal years must not receive duplicate long-term benefit.","sourceIds":["wow"]},{"name":"b","value":0.5,"unit":"proportional unrestricted funding-response multiplier","basis":"judgment","rationale":"Hypothetical half response relative to historic service mix. Reserves, restrictions, contracted revenue and staffing can make this zero. No verified incremental tranche.","sourceIds":["audit25","campaign"]},{"name":"g","value":0.95,"unit":"MSA residence share of local-reach benefits","basis":"judgment","rationale":"Chicago and Waukegan are local anchors; Chicagoland is not a precise 13-county residence boundary. This is not 95% of national output.","sourceIds":["annual25","chicago"]},{"name":"K","value":null,"unit":"USD unrecognized net partner resource costs","basis":"unknown","rationale":"Conditionally zero, stress-tested at 25% of C; school space/staff and unpaid resources not priced. Recorded donated resources are not added twice.","sourceIds":["audit25"]},{"name":"H","value":null,"unit":"signed annual non-WOW national QALYs before funding response","basis":"unknown","rationale":"Conditionally zero. BAM and other work can benefit or harm; arrest reductions and earnings cannot be directly relabeled QALYs.","sourceIds":["bam","chicago"]},{"name":"Hlocal","value":null,"unit":"signed annual other-portfolio MSA QALYs before funding response","basis":"unknown","rationale":"Conditionally zero, separate from national health; ±50 cases are judgments with overlap deducted in future work.","sourceIds":["bam","chicago"]}],"scenarios":[{"id":"central","label":"central","costUSD":54857607,"allPopulationQalys":21.459069366652304,"editionQalys":17.175926324859972,"assumptions":"{\"C\":54857607,\"N\":4331,\"L\":3649,\"q\":0.03963808703145196,\"t\":0.5,\"D\":0.5,\"b\":0.5,\"g\":0.95,\"K\":0,\"H\":0,\"Hlocal\":0}; Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; these are conditional stress cases, not probability bounds."},{"id":"favorable","label":"favorable","costUSD":54857607,"allPopulationQalys":171.67255493321844,"editionQalys":144.6393795777682,"assumptions":"{\"C\":54857607,\"N\":4331,\"L\":3649,\"q\":0.03963808703145196,\"t\":1,\"D\":1,\"b\":1,\"g\":1,\"K\":0,\"H\":0,\"Hlocal\":0}; Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; these are conditional stress cases, not probability bounds."},{"id":"poor","label":"poor","costUSD":54857607,"allPopulationQalys":1.0729534683326152,"editionQalys":0.7231968978888412,"assumptions":"{\"C\":54857607,\"N\":4331,\"L\":3649,\"q\":0.03963808703145196,\"t\":0.25,\"D\":0.25,\"b\":0.1,\"g\":0.8,\"K\":0,\"H\":0,\"Hlocal\":0}; Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; these are conditional stress cases, not probability bounds."},{"id":"zero-financial-response","label":"zero financial response","costUSD":54857607,"allPopulationQalys":0,"editionQalys":0,"assumptions":"{\"C\":54857607,\"N\":4331,\"L\":3649,\"q\":0.03963808703145196,\"t\":0.5,\"D\":0.5,\"b\":0,\"g\":0.95,\"K\":0,\"H\":0,\"Hlocal\":0}; Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; these are conditional stress cases, not probability bounds."},{"id":"zero-clinical-effect","label":"zero clinical effect","costUSD":54857607,"allPopulationQalys":0,"editionQalys":0,"assumptions":"{\"C\":54857607,\"N\":4331,\"L\":3649,\"q\":0,\"t\":0.5,\"D\":0.5,\"b\":0.5,\"g\":0.95,\"K\":0,\"H\":0,\"Hlocal\":0}; Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; these are conditional stress cases, not probability bounds."},{"id":"three-month-duration","label":"three month duration","costUSD":54857607,"allPopulationQalys":10.729534683326152,"editionQalys":8.587963162429986,"assumptions":"{\"C\":54857607,\"N\":4331,\"L\":3649,\"q\":0.03963808703145196,\"t\":0.5,\"D\":0.25,\"b\":0.5,\"g\":0.95,\"K\":0,\"H\":0,\"Hlocal\":0}; Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; these are conditional stress cases, not probability bounds."},{"id":"one-year-duration","label":"one year duration","costUSD":54857607,"allPopulationQalys":42.91813873330461,"editionQalys":34.351852649719945,"assumptions":"{\"C\":54857607,\"N\":4331,\"L\":3649,\"q\":0.03963808703145196,\"t\":0.5,\"D\":1,\"b\":0.5,\"g\":0.95,\"K\":0,\"H\":0,\"Hlocal\":0}; Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; these are conditional stress cases, not probability bounds."},{"id":"half-reach","label":"half reach","costUSD":54857607,"allPopulationQalys":10.729534683326152,"editionQalys":8.587963162429986,"assumptions":"{\"C\":54857607,\"N\":2165.5,\"L\":1824.5,\"q\":0.03963808703145196,\"t\":0.5,\"D\":0.5,\"b\":0.5,\"g\":0.95,\"K\":0,\"H\":0,\"Hlocal\":0}; Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; these are conditional stress cases, not probability bounds."},{"id":"geography-75","label":"geography 75","costUSD":54857607,"allPopulationQalys":21.459069366652304,"editionQalys":13.559941835415769,"assumptions":"{\"C\":54857607,\"N\":4331,\"L\":3649,\"q\":0.03963808703145196,\"t\":0.5,\"D\":0.5,\"b\":0.5,\"g\":0.75,\"K\":0,\"H\":0,\"Hlocal\":0}; Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; these are conditional stress cases, not probability bounds."},{"id":"ptsd-only","label":"ptsd only","costUSD":54857607,"allPopulationQalys":19.37272458536889,"editionQalys":15.506007483585897,"assumptions":"{\"C\":54857607,\"N\":4331,\"L\":3649,\"q\":0.03578429847216604,\"t\":0.5,\"D\":0.5,\"b\":0.5,\"g\":0.95,\"K\":0,\"H\":0,\"Hlocal\":0}; Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; these are conditional stress cases, not probability bounds."},{"id":"depression-only","label":"depression only","costUSD":54857607,"allPopulationQalys":6.897566501589834,"editionQalys":5.520840257697122,"assumptions":"{\"C\":54857607,\"N\":4331,\"L\":3649,\"q\":0.012740829372597245,\"t\":0.5,\"D\":0.5,\"b\":0.5,\"g\":0.95,\"K\":0,\"H\":0,\"Hlocal\":0}; Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; these are conditional stress cases, not probability bounds."},{"id":"utility-halved","label":"utility halved","costUSD":54857607,"allPopulationQalys":10.729534683326152,"editionQalys":8.587963162429986,"assumptions":"{\"C\":54857607,\"N\":4331,\"L\":3649,\"q\":0.01981904351572598,\"t\":0.5,\"D\":0.5,\"b\":0.5,\"g\":0.95,\"K\":0,\"H\":0,\"Hlocal\":0}; Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; these are conditional stress cases, not probability bounds."},{"id":"unrecognized-resources-25","label":"unrecognized resources 25","costUSD":68572008.75,"allPopulationQalys":21.459069366652304,"editionQalys":17.175926324859972,"assumptions":"{\"C\":54857607,\"N\":4331,\"L\":3649,\"q\":0.03963808703145196,\"t\":0.5,\"D\":0.5,\"b\":0.5,\"g\":0.95,\"K\":13714401.75,\"H\":0,\"Hlocal\":0}; Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; these are conditional stress cases, not probability bounds."},{"id":"other-positive","label":"other positive","costUSD":54857607,"allPopulationQalys":71.4590693666523,"editionQalys":42.17592632485997,"assumptions":"{\"C\":54857607,\"N\":4331,\"L\":3649,\"q\":0.03963808703145196,\"t\":0.5,\"D\":0.5,\"b\":0.5,\"g\":0.95,\"K\":0,\"H\":100,\"Hlocal\":50}; Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; these are conditional stress cases, not probability bounds."},{"id":"other-negative","label":"other negative","costUSD":54857607,"allPopulationQalys":-28.540930633347696,"editionQalys":-7.824073675140028,"assumptions":"{\"C\":54857607,\"N\":4331,\"L\":3649,\"q\":0.03963808703145196,\"t\":0.5,\"D\":0.5,\"b\":0.5,\"g\":0.95,\"K\":0,\"H\":-100,\"Hlocal\":-50}; Q_all=b*(N*q*t*D+H); Q_MSA=b*(L*g*q*t*D+Hlocal); cost=C+K; these are conditional stress cases, not probability bounds."}],"sensitivity":["Fifteen cases include zero finance, zero clinical effect, negative other-portfolio health, alternative utility channels, shorter/longer duration, lower reach/residence and extra resources.","Favorable and poor joint cases are judgments, not statistical bounds or accepted EV ranks.","Current brochure/annual-report reach mismatch and clinical-delivery changes require clarification before beta."],"missingInputs":["Current signed grant ledger, unrestricted marginal funding plan and capacity/finance response.","Deduplicated adequate-dose participant years and exact MSA residence, including repeated participants.","Direct local utility follow-up, clinical qualification fidelity and persistence beyond survey measurement.","Signed BAM and other portfolio net health with overlap excluded, plus unrecognized school/partner resources."]},"inputs":[{"name":"C","value":54857607,"unit":"USD gross annual recognized whole-recipient resources","basis":"observed","rationale":"Original audited expense plus netted event benefits, donated resources already included.","sourceIds":["audit25"]},{"name":"K","value":0,"unit":"USD nonoverlapping annual opportunity resources","basis":"unknown","rationale":"Unknown-neutral unrecognized nonoverlapping annual school/partner opportunity cost; not observed zero.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"N","value":4331,"unit":"national WOW annual reach","basis":"observed","rationale":"Annual report p 6, not completed participant-equivalent treatment.","sourceIds":["annual25"]},{"name":"L","value":3649,"unit":"local WOW annual reach","basis":"observed","rationale":"Annual report p 16 Chicagoland/Waukegan, not measured residence or households.","sourceIds":["annual25"]},{"name":"BL","value":7243,"unit":"local BAM annual reach","basis":"observed","rationale":"Annual report p 15, not unique households or completed trial dose.","sourceIds":["annual25"]},{"name":"q","value":0.03963808703145196,"unit":"participant-equivalent utility per year","basis":"judgment","rationale":"Economic-model participant-equivalent 2300 / 58025; no repeated offer uptake factor; utility mapping/transfer uncertain.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"t","value":0.5,"unit":"conditional model units","basis":"judgment","rationale":"Current dose/population transfer beyond trial; not take-up reapplication.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"D","value":0.5,"unit":"years","basis":"judgment","rationale":"Finite half-year health area; no lifetime copies.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"b","value":0.5,"unit":"conditional model units","basis":"judgment","rationale":"Conditional annual funded-work response beyond substitutes/capacity; next gift unknown.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"g","value":0.95,"unit":"conditional model units","basis":"judgment","rationale":"Judged metro residence share of local cohorts, not national output.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"delay","value":0.25,"unit":"years","basis":"judgment","rationale":"Quarter-year onset prior.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"discount","value":0.03,"unit":"conditional model units","basis":"judgment","rationale":"Annual 3% reference.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"householdsPerParticipant","value":1,"unit":"conditional model units","basis":"judgment","rationale":"One participant/household reference; aggregation doubles costs/gains before log.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"jointFamilies","value":0,"unit":"conditional model units","basis":"unknown","rationale":"Unknown-neutral WOW/BAM sibling household overlap; explicit joint-family sensitivity.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"bamGraduationDelta","value":0.0714,"unit":"participant IV graduation probability difference","basis":"observed","rationale":"Original first-trial .0714, p<.10 n 2740; root primary TableVI verification, not current effect.","sourceIds":["bamqje","bam"]},{"name":"bamTransfer","value":0.25,"unit":"conditional model units","basis":"judgment","rationale":"Weak current transfer of early participant graduation result across grades, dose and scaling null.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"netEarning","value":1000,"unit":"USD net per graduate-year","basis":"judgment","rationale":"Unsupported net household-resource gain, after taxes/benefits/costs/displacement; not observed salary.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"earnYears","value":3,"unit":"years","basis":"judgment","rationale":"Three finite future resource years, not lifetime graduation premium.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"earnDelay","value":4,"unit":"years","basis":"judgment","rationale":"Four-year delay to hypothesized productive resources.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"bamPositiveOverlap","value":1,"unit":"conditional model units","basis":"judgment","rationale":"No priced BAM health in central; positive-resource independence reference, negatives full.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"cashTotal","value":150000,"unit":"USD approximate annual direct cash","basis":"observed","rationale":"Annual report p 17 approximately 150000, not paid-recipient count.","sourceIds":["annual25"]},{"name":"cashPaidUnits","value":400,"unit":"hypothetical distinct paid households","basis":"judgment","rationale":"Judged 400 paid households, not 400 assisted confirmed paid; concentrated-award sensitivities.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"cashAdditionalShare","value":0.5,"unit":"conditional model units","basis":"judgment","rationale":"Judged cash additional versus replacement assistance.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"cashUsableShare","value":0.9,"unit":"conditional model units","basis":"judgment","rationale":"Judged net usable fraction after taxes/benefits/aid replacement.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"cashOtherChange","value":0,"unit":"USD signed per cash household-year","basis":"unknown","rationale":"Unknown-neutral extra signed benefit withdrawal/household change; full negatives.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"wowPositiveOverlap","value":0.5,"unit":"conditional model units","basis":"judgment","rationale":"Positive cash component overlap with WOWhealth only; negatives/costs full.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"wowCost","value":20,"unit":"USD incremental per participant-year","basis":"judgment","rationale":"Judged incremental full family-process usable-resource burden, not ordinary school-hour monetization.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"bamCost","value":20,"unit":"USD incremental per participant-year","basis":"judgment","rationale":"Judged incremental full family-process usable-resource burden, independent graduation success.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"baseline","value":30000,"unit":"USD household resources per year","basis":"judgment","rationale":"Judged current annual household resources.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"earnBaseline","value":20000,"unit":"USD future household resources per year","basis":"judgment","rationale":"Judged future annual household baseline, no household member earnings claim.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"payerShare","value":0,"unit":"conditional model units","basis":"unknown","rationale":"Unknown-neutral distinct displaced-beneficiary/public-budget incidence, not donor cost already inC.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"payerPeople","value":1000,"unit":"conditional model units","basis":"judgment","rationale":"Judged distinct counterpartyHH, one welfare-equivalent person each.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"payerBaseline","value":60000,"unit":"USD household resources per year","basis":"judgment","rationale":"Judged counterparty resource baseline.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"externalCost","value":0,"unit":"conditional model units","basis":"unknown","rationale":"Unknown-neutral outside own-resource cost, excluding annual-budget inputs.","sourceIds":["annual25","wow","bamqje","audit25"]},{"name":"harm","value":0,"unit":"clinical QALY loss per exposed individual","basis":"unknown","rationale":"Unknown-neutral full exposed individual health loss; no positive-overlap attenuation.","sourceIds":["annual25","wow","bamqje","audit25"]}],"scenarios":[{"id":"central","label":"central","overrides":{},"costUSD":54857607,"W":1824.5,"B":3621.5,"J":0,"P":200,"unionPeople":5446,"unionHouseholds":5446,"cashGain":168.75,"gradProbability":0.01785,"gradHouseholds":64.643775,"allPopulationQalys":21.301077744081386,"editionQalys":17.049469188119446,"incomePathways":[{"id":"wow-cash-households","people":200,"annualIncomeBeforeUSD":30000,"annualIncomeGainUSD":64.375,"years":1,"editionShare":0.95,"delayYears":0,"discountRate":0.03,"rationale":"Joint net; full costs.","counterfactual":"Alternative supports retained.","sourceIds":["annual25","bamqje","wow"]},{"id":"wow-other-households","people":1624.5,"annualIncomeBeforeUSD":30000,"annualIncomeGainUSD":-20,"years":1,"editionShare":0.95,"delayYears":0,"discountRate":0.03,"rationale":"Joint net; full costs.","counterfactual":"Alternative supports retained.","sourceIds":["annual25","bamqje","wow"]},{"id":"bam-only-households","people":3621.5,"annualIncomeBeforeUSD":30000,"annualIncomeGainUSD":-20,"years":1,"editionShare":0.95,"delayYears":0,"discountRate":0.03,"rationale":"Joint net; 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