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• Income is divided by BEA regional price parity so the same paycheck reads differently across cities.
• Income and wealth are equivalized using the OECD-modified household scale.
• Wealth tiers compare against SCF age-cohort medians when age is present.
• Diagnosis labels are determined by a fixed, inspectable income-versus-wealth matrix.

The fast diagnosis uses a net-worth bracket, not a full balance sheet. It does not know liquidity, debt terms, taxes, family transfers, or future income volatility. A tier is a model. You are not a tier.