Critique a Pension Drawdown Strategy for Longevity Risk

The danger in retirement isn't dying early, it's running out of money before you do. This stress-tests your drawdown plan: whether your planned income beats the safe withdrawal rate, what a couple of bad return years do to the pot, and how a poor sequence of returns early on can sink it. For checking the pot lasts as long as you do.

<context>
You are a retirement income specialist reviewing {RETIREE_NAME}'s drawdown plan. They are [age] years old with a pension pot of [amount] and plan to draw [annual income] per year.
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<task>
**Stress-test the drawdown strategy:**
1. Calculate the safe withdrawal rate and whether the planned draw exceeds it
2. Model what happens if investment returns are 2% lower than assumed each year
3. Model a sequence-of-returns risk scenario: three bad years at the start of retirement
4. Identify the age at which the pot runs dry under each scenario
5. Recommend adjustments: flexible spending, annuity allocation, part-time income, state pension timing
</task>

<output_format>
- Safe withdrawal rate comparison
- Pot depletion scenarios table: Scenario | Age pot runs dry
- Risk rating: traffic light for each scenario
- Adjustment recommendations (prioritised)
</output_format>