Multi-plan equity-funding comparison: Lock-in-now / Balanced / Hold-for-growth / Recommended

Returns four named plans on the risk/wealth frontier plus the full hybrid frontier. It searches for the optimum through a bracket-aware sweep over sale years, months, and lots, and the schedule is measured from the current date; lognormal price exposure drives the shortfall probability; after-tax retained-share value acts as a backstop in the shortfall calculation. The recommended plan is the wealth-maximal plan whose shortfall is at or below riskToleranceShortfall (default 0.10). Wealth-at-target is compared apples-to-apples on after-tax basis (cash netted plus after-tax retained-share value, both compounded at the after-tax cash-interest rate).