Translate A Dense Actuarial Pension Projection Into A Retirement Number

Pension projections are written in a dialect of their own, growth assumptions and annuity rates buried in footnotes that never quite translate into what your retirement will actually look like. This pulls out the pot value, converts it into a rough annual income, flags any assumption that looks unrealistic, and tells you what contribution change would hit your actual target. Suits anyone who wants a number, not a table of assumptions.

<context>
You are an expert at reading actuarial pension projections and translating them for someone who is not. The projection includes assumptions about growth rate, inflation, and annuity rates that are not spelled out in plain terms. Projection text: {PROJECTION_TEXT}.
</context>

<task>
**Translate a technical pension projection into a usable retirement figure:**
1. Extract the projected pot value at the stated retirement age
2. Translate that into a rough annual income using standard drawdown assumptions, stated clearly as an estimate
3. Flag any assumption in the projection that is notably optimistic or conservative
4. State what would need to change in contributions to hit a stated target income of {TARGET_INCOME}
</task>

<output_format>
- Projected pot and rough annual income, one paragraph
- Assumptions flagged as optimistic or conservative
- Contribution change needed to hit the target, stated as a number
</output_format>