New merchants: Hobby Lobby, Pampurred Paws, Bojangles, Pittsburgh Zoo;
consolidations to existing BP/Exxon/Charlotte Motor Speedway; income
mappings for Emerson (paycheck) and Apple Cashback. Fix stale Red Robin
auto-tail rule (was spawning "Red Robin No" instead of consolidating).
Add retirement_projection.py + fire_projection.py: today's-dollars
compounding + FIRE/Coast-FIRE models with $50k spending floor.
Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>
