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>
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