Assumptions: Base portfolio is 60% broad-based equities at 7.0% expected annual return and 40% fixed income blended from 2/3 investment grade at 4.0% and 1/3 high yield at 5.75% (≈4.58% blended). Structured equity sleeve represents a diversified basket of equity-linked notes with 12.0% expected return. Structured fixed income sleeve represents a diversified basket of income-focused notes with 10.0% expected return. All figures are hypothetical and for illustrative purposes only.