{"model":"inherited-ira-10-year","specVersion":"1.0.0","specUrl":"/api/v1/models/inherited-ira-10-year/spec","inputs":{"inheritedBalance":{"kind":"float","min":1000,"max":10000000},"annualReturnPct":{"kind":"float","min":0,"max":12},"marginalRatePct":{"kind":"float","min":0,"max":50},"afterTaxReturnPct":{"kind":"float","min":0,"max":12}},"arrayInputs":{},"constraints":["All three rates are PERCENT points. Flat marginal rate by design — probe bracket dynamics by re-running with each timing's expected rate (spec assumptions)."],"sentinels":[],"facts":[],"disclaimer":"Illustrative planning model, not financial advice. Outputs follow the published model spec exactly; read the spec for assumptions and exclusions before relying on any number."}