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generate_goals! now also seeds a fully-populated Goal::Retirement for the demo family admin: a DE GRV state pension + a bAV lump-plus-annuity source, three years of Renteninformation statements, two adjustments (mortgage paid off, higher healthcare), and the first two investment accounts in the bucket — so the dashboard renders with real numbers out of the box. Idempotent + best-effort (never breaks demo generation). Tested against a fixture family.