The band holds the middle 90% of 1,000 simulated futures after the what-if; the dashed line is the middle outcome without it. Ups and downs are raised 30% for the first 24 months after the fall (an assumption).

• House (year 5)100%–100%

The range moves the expected return down and up by 2 points. It covers only that assumption — not model error, taxes, or events the model cannot see.