Retirement as Liminal Economic Phase

The Phase-VII subject does not produce. The Office's concern is that the subject continue to consume. The accumulated capital is drawn down on a published schedule into the standard Phase-VII consumption channels: healthcare, eldercare, leisure, travel, memorial-product planning. The drawdown is paced to last the subject's actuarial life expectancy minus six months. Subjects who exit the drawdown early are recorded as Office-favorable; subjects who exhaust the drawdown are routed into the public-tier safety net under the Office's controlled-cost terms.