The goal of spend-maximizing actuarial strategies is to die with an estate/legacy equal to zero, which can result in PL grossly overestimating the failure rate of those WSs when “Spend Strategized Amount” is selected due to (sometimes minor) overspending in the last year of life.

Suggestion is to add a checkbox in MC config labeled “Count running out in the last year as success”. This checkbox could perhaps be within MC overall setting, or perhaps in the configuration options for each of the spend-maximizing actuarial Withdrawal Strategies.