update SEO texts

src/app/components/FireCalculatorForm.tsx

@@ -383,8 +383,8 @@ export default function FireCalculatorForm() {
                         <Slider
                           name="retirementAge"
                           value={[field.value]}
-                          min={18}
-                          max={form.getValues("lifeExpectancy")}
+                          min={25}
+                          max={75}
                           step={1}
                           onValueChange={(value) => {
                             field.onChange(...value);
@@ -412,23 +412,14 @@ export default function FireCalculatorForm() {
                       Projected balance growth with your selected retirement age
                     </CardDescription>
                   </CardHeader>
-                  <CardContent>
+                  <CardContent className="px-2">
                     <ChartContainer
                       className="aspect-auto h-80 w-full"
-                      config={{
-                        balance: {
-                          label: "Balance",
-                          color: "var(--chart-1)",
-                        },
-                        realBalance: {
-                          label: "Real Balance",
-                          color: "var(--chart-3)",
-                        },
-                      }}
+                      config={{}}
                     >
                       <AreaChart
                         data={result.yearlyData}
-                        margin={{ top: 20, right: 30, left: 20, bottom: 20 }}
+                        margin={{ top: 10, right: 20, left: 20, bottom: 10 }}
                       >
                         <CartesianGrid strokeDasharray="3 3" />
                         <XAxis
@@ -439,7 +430,10 @@ export default function FireCalculatorForm() {
                             offset: -10,
                           }}
                         />
+                        {/* Left Y axis */}
                         <YAxis
+                          yAxisId={"left"}
+                          orientation="left"
                           tickFormatter={(value: number) => {
                             if (value >= 1000000) {
                               return `${(value / 1000000).toPrecision(3)}M`;
@@ -452,7 +446,21 @@ export default function FireCalculatorForm() {
                             }
                             return value.toString();
                           }}
-                          width={25}
+                          width={30}
+                        />
+                        {/* Right Y axis */}
+                        <YAxis
+                          yAxisId="right"
+                          orientation="right"
+                          tickFormatter={(value: number) => {
+                            if (value >= 1000000) {
+                              return `${(value / 1000000).toPrecision(3)}M`;
+                            } else if (value >= 1000) {
+                              return `${(value / 1000).toPrecision(3)}K`;
+                            }
+                            return value.toString();
+                          }}
+                          width={30}
                         />
                         <ChartTooltip content={tooltipRenderer} />
                         <defs>
@@ -474,24 +482,6 @@ export default function FireCalculatorForm() {
                               stopOpacity={0.1}
                             />
                           </linearGradient>
-                          <linearGradient
-                            id="fillAllowance"
-                            x1="0"
-                            y1="0"
-                            x2="0"
-                            y2="1"
-                          >
-                            <stop
-                              offset="5%"
-                              stopColor="var(--chart-2)"
-                              stopOpacity={0.8}
-                            />
-                            <stop
-                              offset="95%"
-                              stopColor="var(--chart-2)"
-                              stopOpacity={0.1}
-                            />
-                          </linearGradient>
                         </defs>
                         <Area
                           type="monotone"
@@ -499,17 +489,20 @@ export default function FireCalculatorForm() {
                           name="balance"
                           stroke="var(--chart-1)"
                           fill="url(#fillBalance)"
-                          fillOpacity={0.4}
+                          fillOpacity={0.9}
                           activeDot={{ r: 6 }}
+                          yAxisId={"left"}
+                          stackId={"a"}
                         />
                         <Area
                           type="monotone"
                           dataKey="monthlyAllowance"
                           name="allowance"
                           stroke="var(--chart-2)"
-                          fill="url(#fillAllowance)"
-                          fillOpacity={0.4}
+                          fill="none"
                           activeDot={{ r: 6 }}
+                          yAxisId="right"
+                          stackId={"a"}
                         />
                         {result.fireNumber && (
                           <ReferenceLine
@@ -521,6 +514,7 @@ export default function FireCalculatorForm() {
                               value: "FIRE Number",
                               position: "insideBottomRight",
                             }}
+                            yAxisId={"left"}
                           />
                         )}
                         <ReferenceLine
@@ -535,6 +529,7 @@ export default function FireCalculatorForm() {
                             value: "Retirement",
                             position: "insideTopRight",
                           }}
+                          yAxisId={"left"}
                         />
                       </AreaChart>
                     </ChartContainer>

src/app/components/footer.tsx

@@ -0,0 +1,16 @@
+export default function Footer() {
+  return (
+    <footer className="w-full py-8 text-center text-xs">
+      <p className="text-xs">
+        © {new Date().getFullYear()} InvestingFIRE. All rights reserved.{" "}
+        <a
+          href="https://schulze.network"
+          target="_blank"
+          className="text-primary hover:underline"
+        >
+          Hosting by Schulze.network
+        </a>
+      </p>
+    </footer>
+  );
+}

src/app/page.tsx

@@ -6,12 +6,13 @@ import {
   AccordionItem,
   AccordionTrigger,
 } from "@/components/ui/accordion";
+import Footer from "./components/footer";
 
 export default function HomePage() {
   return (
-    <main className="text-primary-foreground to-destructive from-secondary flex min-h-screen flex-col items-center bg-gradient-to-b p-4">
+    <main className="text-primary-foreground to-destructive from-secondary flex min-h-screen flex-col items-center bg-gradient-to-b p-2">
       <div className="mx-auto flex flex-col items-center justify-center gap-4 text-center">
-        <div className="flex flex-row flex-wrap items-center justify-center gap-4 align-middle">
+        <div className="mt-8 flex flex-row flex-wrap items-center justify-center gap-4 align-middle">
           <Image
             src="/investingfire_logo_no-bg.svg"
             alt="InvestingFIRE Logo"
@@ -34,26 +35,32 @@ export default function HomePage() {
       <div className="mx-auto max-w-2xl py-12 text-left">
         <section className="mb-12">
           <h2 className="mb-4 text-3xl font-bold">
-            What is FIRE? Understanding Financial Independence and Early
+            What Is FIRE? Understanding Financial Independence and Early
             Retirement
           </h2>
           <p className="mb-4 text-lg leading-relaxed">
-            FIRE stands for &quot;Financial Independence, Retire Early.&quot;
-            It&apos;s a movement focused on aggressive saving and strategic
-            investing to build a substantial portfolio. The goal is for
-            investment returns to cover living expenses indefinitely, freeing
-            you from traditional employment. Achieving FIRE means gaining the
-            freedom to pursue passions, travel, or simply enjoy life without
-            needing a regular paycheck. Sound investing advice is crucial for
-            building the wealth needed.
+            FIRE stands for{" "}
+            <strong>Financial Independence, Retire Early</strong>. It&apos;s a
+            lifestyle movement built around two core ideas:
           </p>
+          <ul className="mb-4 ml-6 list-disc space-y-2 text-lg">
+            <li>
+              <strong>Aggressive saving & investing</strong>—often 50%+ of
+              income—so your capital grows rapidly.
+            </li>
+            <li>
+              <strong>Passive-income coverage</strong>—when your investment
+              returns exceed your living expenses, you gain freedom from a
+              traditional 9-5.
+            </li>
+          </ul>
           <p className="text-lg leading-relaxed">
-            The core principle involves maximizing your savings rate (often
-            50%+) and investing wisely, typically in low-cost, diversified
-            assets like index funds. Your &quot;FIRE number&quot; – the capital
-            needed – is often estimated as 25 times your desired annual
-            spending, derived from the 4% safe withdrawal rate guideline. This
-            FIRE calculator helps you personalize this estimate.
+            By reaching your personal <em>FIRE Number</em>—the nest egg needed
+            to cover your inflation-adjusted spending—you unlock the option to
+            step away from a daily paycheck and pursue passion projects, travel,
+            family, or anything else. This calculator helps you simulate your
+            journey, estimate how much you need, and visualize both your
+            accumulation phase and your retirement withdrawals over time.
           </p>
         </section>
 
@@ -62,51 +69,58 @@ export default function HomePage() {
             How This FIRE Calculator Provides Investing Insights
           </h2>
           <p className="mb-4 text-lg leading-relaxed">
-            This calculator helps visualize your path to FIRE by projecting
-            investment growth based on your inputs. Understanding these
-            projections is a key piece of investing advice for long-term
-            planning. Here&apos;s a breakdown of the inputs:
+            Our interactive tool goes beyond a simple “25x annual spending”
+            rule. It runs a <strong>year-by-year simulation</strong> of your
+            portfolio, combining:
           </p>
           <ul className="mb-4 ml-6 list-disc space-y-2 text-lg">
             <li>
-              <strong>Starting Capital:</strong> The total amount you currently
-              have invested.
+              <strong>Starting Capital</strong>—your current invested balance
             </li>
             <li>
-              <strong>Monthly Savings:</strong> The amount you consistently save
-              and invest each month.
+              <strong>Monthly Savings</strong>—ongoing contributions to your
+              portfolio
             </li>
             <li>
-              <strong>Current Age:</strong> Your current age in years.
+              <strong>Expected Annual Growth Rate (CAGR)</strong>—compounding
+              returns before inflation
             </li>
             <li>
-              <strong>Expected Annual Growth Rate (%):</strong> The average
-              annual return you expect from your investments (after fees, before
-              inflation).
+              <strong>Annual Inflation Rate</strong>—to inflate your target
+              withdrawal each year
             </li>
             <li>
-              <strong>Desired Monthly Allowance (Today&apos;s Value):</strong>{" "}
-              How much you want to be able to spend each month in retirement, in
-              today&apos;s money value.
+              <strong>Desired Monthly Allowance</strong>—today&apos;s-value
+              spending goal
             </li>
             <li>
-              <strong>Annual Inflation Rate (%):</strong> The expected average
-              rate at which the cost of living will increase.
+              <strong>Retirement Age & Life Expectancy</strong>—defines your
+              accumulation horizon and payout period
+            </li>
+          </ul>
+          <p className="text-lg leading-relaxed">Key features:</p>
+          <ul className="mb-4 ml-6 list-disc space-y-2 text-lg">
+            <li>
+              <strong>Real-time calculation</strong>—as you tweak any input,
+              your FIRE Number and chart update instantly.
             </li>
             <li>
-              <strong>Life Expectancy (Age):</strong> The age until which you
-              want your funds to last.
+              <strong>Interactive chart</strong> with area plots for both{" "}
+              <em>portfolio balance</em> and{" "}
+              <em>inflation-adjusted allowance</em>, plus reference lines
+              showing your retirement date and required FIRE Number.
+            </li>
+            <li>
+              <strong>Custom simulation</strong>—switches from accumulation
+              (adding savings) to retirement (withdrawing allowance),
+              compounding each year based on your growth rate.
             </li>
           </ul>
           <p className="text-lg leading-relaxed">
-            The calculator simulates your investment growth year by year,
-            incorporating monthly contributions, the power of compound growth (a
-            core investing principle), and inflation&apos;s impact on your
-            target allowance. It estimates the age at which your capital could
-            sustain your desired, inflation-adjusted monthly spending throughout
-            your expected retirement until your specified life expectancy. It
-            calculates your potential &quot;FIRE Number&quot; and the age you
-            might reach financial independence.
+            With this level of granularity, you can confidently experiment with
+            savings rate, target retirement age, and investment assumptions to
+            discover how small tweaks speed up or delay your path to financial
+            independence.
           </p>
         </section>
 
@@ -117,86 +131,106 @@ export default function HomePage() {
           <Accordion type="single" collapsible className="w-full">
             <AccordionItem value="item-1">
               <AccordionTrigger className="text-xl font-semibold">
-                What is the 4% rule?
+                What methodology does this calculator use?
               </AccordionTrigger>
               <AccordionContent className="text-lg leading-relaxed">
-                The 4% rule is a guideline suggesting that you can safely
-                withdraw 4% of your investment portfolio&apos;s value in your
-                first year of retirement, and then adjust that amount for
-                inflation each subsequent year, with a high probability of your
-                money lasting for at least 30 years. This calculator uses a more
-                dynamic simulation based on your life expectancy but is related
-                to this concept.
+                We run a multi-year projection in two phases:
+                <ol className="ml-6 list-decimal space-y-1">
+                  <li>
+                    <strong>Accumulation:</strong> Your balance grows by CAGR
+                    and you add monthly savings.
+                  </li>
+                  <li>
+                    <strong>Retirement:</strong> The balance continues
+                    compounding, but you withdraw an inflation-adjusted monthly
+                    allowance.
+                  </li>
+                </ol>
+                The result: a precise estimate of the capital you&apos;ll have
+                at retirement (your “FIRE Number”) and how long it will last
+                until your chosen life expectancy.
               </AccordionContent>
             </AccordionItem>
 
             <AccordionItem value="item-2">
               <AccordionTrigger className="text-xl font-semibold">
-                Is the Expected Growth Rate realistic? Finding the right
-                investing advice often starts here.
+                Why isn&apos;t this just the 4% rule?
               </AccordionTrigger>
               <AccordionContent className="text-lg leading-relaxed">
-                Historically, diversified stock market investments have returned
-                around 7-10% annually long-term (before inflation). A rate of 7%
-                (after fees) is common, but remember past performance
-                doesn&apos;t guarantee future results, a fundamental piece of
-                investing advice. Choose a rate reflecting your risk tolerance
-                and investment strategy.
+                The 4% rule is a useful starting point (25× annual spending),
+                but it assumes a fixed withdrawal rate with inflation
+                adjustments and doesn&apos;t model ongoing savings or dynamic
+                market returns. Our calculator simulates each year&apos;s
+                growth, contributions, and inflation-indexed withdrawals to give
+                you a tailored picture.
               </AccordionContent>
             </AccordionItem>
 
             <AccordionItem value="item-3">
               <AccordionTrigger className="text-xl font-semibold">
-                How does inflation impact my FIRE number?
+                How do I choose a realistic growth rate?
               </AccordionTrigger>
               <AccordionContent className="text-lg leading-relaxed">
-                Inflation erodes the purchasing power of money over time. Your
-                desired monthly allowance needs to increase each year just to
-                maintain the same standard of living. This calculator accounts
-                for this by adjusting your target allowance upwards based on the
-                inflation rate you provide, ensuring the calculated FIRE number
-                supports your desired lifestyle in future dollars.
+                Historically, a diversified portfolio of equities and bonds has
+                returned around 7-10% per year before inflation. We recommend
+                starting around 6-8% (net of fees), then running “what-if”
+                scenarios—5% on the conservative side, 10% on the aggressive
+                side—to see how they affect your timeline.
               </AccordionContent>
             </AccordionItem>
 
             <AccordionItem value="item-4">
               <AccordionTrigger className="text-xl font-semibold">
-                Can I really retire early with FIRE?
+                How does inflation factor into my FIRE Number?
               </AccordionTrigger>
               <AccordionContent className="text-lg leading-relaxed">
-                Retiring significantly early is achievable but demands
-                discipline, a high savings rate, and smart investing. Success
-                depends on income, expenses, savings habits, and investment
-                returns. Use this FIRE calculator as a planning tool,
-                understanding it provides estimates based on your assumptions
-                and chosen investing approach.
+                Cost of living rises. To maintain today&apos;s lifestyle, your
+                monthly allowance must grow each year by your inflation rate.
+                This calculator automatically inflates your desired monthly
+                spending and subtracts it from your portfolio during retirement,
+                ensuring your FIRE Number keeps pace with rising expenses.
               </AccordionContent>
             </AccordionItem>
 
             <AccordionItem value="item-5">
               <AccordionTrigger className="text-xl font-semibold">
-                What does FIRE stand for?
+                Can I really retire early with FIRE?
               </AccordionTrigger>
               <AccordionContent className="text-lg leading-relaxed">
-                FIRE stands for Financial Independence, Retire Early. It
-                represents a lifestyle movement aimed at maximizing your savings
-                rate through increased income and/or decreased expenses to
-                achieve financial independence and retire much earlier than
-                traditional retirement age.
+                Early retirement is achievable with disciplined saving, smart
+                investing, and realistic assumptions. This tool helps you set
+                targets, visualize outcomes, and adjust inputs—so you can build
+                confidence in your plan and make informed trade-offs between
+                lifestyle, risk, and timeline.
               </AccordionContent>
             </AccordionItem>
 
             <AccordionItem value="item-6">
               <AccordionTrigger className="text-xl font-semibold">
-                How much should I save each month?
+                How should I use this calculator effectively?
               </AccordionTrigger>
               <AccordionContent className="text-lg leading-relaxed">
-                FIRE enthusiasts typically aim to save 50-70% of their income.
-                The more you can save, the faster you&apos;ll reach your FIRE
-                goal. However, the right amount depends on your income,
-                lifestyle, and target retirement age. Use the calculator to
-                experiment with different monthly savings amounts to see their
-                impact on your retirement timeline.
+                <ul className="ml-6 list-disc space-y-1">
+                  <li>
+                    Start with your actual numbers (capital, savings, age).
+                  </li>
+                  <li>
+                    Set conservative - mid - aggressive growth rates to bound
+                    possibilities.
+                  </li>
+                  <li>
+                    Slide your retirement age to explore “early” vs.
+                    “traditional” scenarios.
+                  </li>
+                  <li>
+                    Review the chart—especially the reference lines—to see when
+                    you hit FI and how withdrawals impact your balance.
+                  </li>
+                  <li>
+                    Experiment with higher savings rates or lower target
+                    spending to accelerate your path.
+                  </li>
+                </ul>
               </AccordionContent>
             </AccordionItem>
           </Accordion>
@@ -208,77 +242,48 @@ export default function HomePage() {
             FIRE Journey & Investing Resources
           </h2>
           <p className="mb-6 text-lg leading-relaxed">
-            Ready to dive deeper into FIRE and solidify your investing strategy?
-            Explore these valuable resources for financial independence planning
-            and investing advice:
+            Ready to deepen your knowledge and build a bullet-proof plan? Below
+            are some of our favorite blogs, books, tools, and communities for
+            financial independence and smart investing.
           </p>
 
           <div className="bg-secondary/20 my-8 rounded-md p-4 text-lg">
             <p className="font-semibold">Getting Started with FIRE:</p>
             <ol className="ml-6 list-decimal space-y-1">
               <li>
-                Calculate your personal numbers using this FIRE calculator and
-                other tools.
-              </li>
-              <li>
-                Seek sound investing advice and consider joining communities
-                like r/Fire for support.
-              </li>
-              <li>Explore books and podcasts to deepen your understanding</li>
-            </ol>
-          </div>
-
-          <div className="grid gap-8 md:grid-cols-2">
-            <div>
-              <h3 className="mb-3 text-xl font-semibold">
-                Blogs & Investing Websites
-              </h3>
-              <ul className="ml-6 list-disc space-y-2 text-lg">
-                <li>
-                  <a
-                    href="https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/"
-                    target="_blank"
-                    className="text-primary hover:underline"
-                  >
-                    Mr. Money Mustache - Simple Math Behind Early Retirement &
-                    Investing
-                  </a>
-                </li>
-                <li>
-                  <a
-                    href="https://www.playingwithfire.co/resources"
-                    target="_blank"
-                    className="text-primary hover:underline"
-                  >
-                    Playing With FIRE - Comprehensive Resources
-                  </a>
+                Run your first projection above to find your target FIRE Number.
+              </li>
+              <li>Identify areas to boost savings or reduce expenses.</li>
+              <li>
+                Study index-fund strategies and low-cost investing advice.
               </li>
               <li>
+                Join{" "}
                 <a
                   href="https://www.reddit.com/r/Fire/"
                   target="_blank"
                   className="text-primary hover:underline"
                 >
-                    r/Fire Reddit Community
-                  </a>
+                  supportive communities like r/Fire
+                </a>{" "}
+                to learn from real journeys.
               </li>
-              </ul>
+            </ol>
           </div>
 
+          <div className="grid gap-8 md:grid-cols-2">
             <div>
-              <h3 className="mb-3 text-xl font-semibold">
-                Books & Investment Learning
-              </h3>
+              <h3 className="mb-3 text-xl font-semibold">Blogs & Websites</h3>
               <ul className="ml-6 list-disc space-y-2 text-lg">
                 <li>
                   <a
-                    href="https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766"
+                    href="https://www.mrmoneymustache.com/"
                     target="_blank"
                     className="text-primary hover:underline"
                   >
-                    Your Money or Your Life - Foundational FIRE & Investing
-                    Principles
-                  </a>
+                    Mr. Money Mustache
+                  </a>{" "}
+                  - Hardcore frugality & early retirement success stories.
                 </li>
                 <li>
                   <a
@@ -286,8 +291,45 @@ export default function HomePage() {
                     target="_blank"
                     className="text-primary hover:underline"
                   >
-                    Playing With FIRE Documentary
-                  </a>
+                    Playing With FIRE
+                  </a>{" "}
+                  - Community resources & real-life case studies.
+                </li>
+                <li>
+                  <a
+                    href="https://www.reddit.com/r/Fire/"
+                    target="_blank"
+                    className="text-primary hover:underline"
+                  >
+                    r/Fire
+                  </a>{" "}
+                  - Active forum for questions, tips, and support.
+                </li>
+              </ul>
+            </div>
+
+            <div>
+              <h3 className="mb-3 text-xl font-semibold">Books & Podcasts</h3>
+              <ul className="ml-6 list-disc space-y-2 text-lg">
+                <li>
+                  <a
+                    href="https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766"
+                    target="_blank"
+                    className="text-primary hover:underline"
+                  >
+                    Your Money or Your Life
+                  </a>{" "}
+                  - The classic guide to aligning money with values.
+                </li>
+                <li>
+                  <a
+                    href="https://podcasts.apple.com/us/podcast/biggerpockets-money-podcast/id1330225136"
+                    target="_blank"
+                    className="text-primary hover:underline"
+                  >
+                    BiggerPockets Money Podcast
+                  </a>{" "}
+                  - Interviews on FIRE strategies and wealth building.
                 </li>
                 <li>
                   <a
@@ -295,37 +337,39 @@ export default function HomePage() {
                     target="_blank"
                     className="text-primary hover:underline"
                   >
-                    BiggerPockets Money Podcast - FIRE Calculators & Investing
-                    Strategies
-                  </a>
+                    InvestingFIRE Calculator Demo
+                  </a>{" "}
+                  - Deep dive on how interactive projections can guide your
+                  plan.
                 </li>
               </ul>
             </div>
 
             <div>
               <h3 className="mb-3 text-xl font-semibold">
-                Additional FIRE & Investing Calculators
+                Additional Calculators & Tools
               </h3>
               <ul className="ml-6 list-disc space-y-2 text-lg">
+                <li>
+                  <a
+                    href="https://ghostfol.io"
+                    target="_blank"
+                    className="text-primary hover:underline"
+                  >
+                    Ghostfolio
+                  </a>{" "}
+                  - Wealth management application for individuals.
+                </li>
                 <li>
                   <a
                     href="https://walletburst.com/tools/coast-fire-calculator/"
                     target="_blank"
                     className="text-primary hover:underline"
                   >
-                    Coast FIRE Calculator - For those considering a partial
-                    early retirement
-                  </a>
-                </li>
-                <li>
-                  <a
-                    href="https://www.empower.com/retirement-calculator"
-                    target="_blank"
-                    className="text-primary hover:underline"
-                  >
-                    Empower Retirement Planner - Free portfolio analysis and net
-                    worth tracking
-                  </a>
+                    Coast FIRE Calculator
+                  </a>{" "}
+                  - When you “max out” early contributions but let compounding
+                  do the rest.
                 </li>
                 <li>
                   <a
@@ -333,43 +377,16 @@ export default function HomePage() {
                     target="_blank"
                     className="text-primary hover:underline"
                   >
-                    CAGR Compound Interest Calculator - Understand Investment
-                    Growth
-                  </a>
-                </li>
-              </ul>
-            </div>
-
-            <div>
-              <h3 className="mb-3 text-xl font-semibold">
-                Recent Investing & FIRE Articles
-              </h3>
-              <ul className="ml-6 list-disc space-y-2 text-lg">
-                <li>
-                  <a
-                    href="https://www.businessinsider.com/retiring-tech-early-coast-fire-make-me-millionaire-2025-4"
-                    target="_blank"
-                    className="text-primary hover:underline"
-                  >
-                    Coast FIRE: Retiring in your 30s while becoming a
-                    millionaire by 60
-                  </a>
-                </li>
-                <li>
-                  <a
-                    href="https://www.businessinsider.com/financial-independence-retire-early-saving-loneliness-retreat-bali-making-friends-2025-2"
-                    target="_blank"
-                    className="text-primary hover:underline"
-                  >
-                    The Social Side of FIRE: Finding Community in Financial
-                    Independence
-                  </a>
+                    Compound Interest Calculator
+                  </a>{" "}
+                  - Explore the power of growth rates in isolation.
                 </li>
               </ul>
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 }