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.
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