Saved capital ten million times mercenary ratio point six five yields six point five million; remaining three point five million is labeled loyal. Bars share zero at eighty pixels per million dollars. These categories and starting values are assumptions, not observed protocol capital. At halfway progress, exponential schedule gives exponential of negative three times point five, about point two two three one three. Bars compare initial factor one and halfway factor at six hundred pixels per unit. Actual modeled APR also depends on changing total capital, so this alone is not the final APR or an available yield. For hypothetical APR half its initial value, decay factor point five gives mercenary numerator point zero two five. Saved withdrawal penalty two point five percent gives denominator one point zero five. Loyal numerator point zero zero two five divided by multiplier one point five differs. Bars compare computed fractions at twenty thousand pixels per daily fraction, both below source caps. Full raw native simulation JSON/reset preserved; economic and retention validity unproved.