tidyactuarial 0.1.3

Major changes

• Added life_contract() as a lightweight contract specification object for pipe-friendly life-contingency workflows.
• Added support for using life_contract() with single-life functions such as annuity_x(), insurance_x(), premium_x(), and reserve_x().
• Updated two-life functions to use a unified API based on mortality_table, age_x, age_y, rate, term_years, deferment_years, and output.
• Updated annuity_xy(), insurance_xy(), premium_xy(), and reserve_xy() to support pipe-friendly workflows and two independent life tables through mortality_table = list(table_x, table_y).
• Added summary_mc() for tidy summaries of Monte Carlo simulation output, including means, variances, standard errors, quantiles, VaR, and TVaR.
• Added soa08lt, a tidy version of the SOA Illustrative Life Table, for examples, validation, and benchmark tests.

Monte Carlo simulation

• Added or improved support for Monte Carlo simulation workflows for single-life annuities and life insurance.
• Added compatibility between simulation functions and life_contract() objects.
• Improved Monte Carlo summaries through summary_mc(), with support for grouped summaries using by or group_cols.

Cash-flow visualization

• Redesigned plot_cash_flow() as a more professional deterministic cash-flow diagram tool.
• Added support for both classical vector input and tidyverse-style pipe workflows.
• Added support for numeric times and calendar dates.
• Added real-scale cash-flow diagrams by default, with optional normalized schematic diagrams.
• Added automatic aggregation of cash flows occurring at the same time or date.
• Added improved labels, subtitles, present-value display, and currency formatting.

Data

• Added soa08lt, a tidy actuarial life table with columns x, lx, dx, qx, and px.
• Added tests validating the structure of soa08lt and its compatibility with basic single-life and two-life actuarial calculations.

Internal improvements

• Updated tests to reflect the new unified API.
• Removed obsolete documentation and examples for retired geometric annuity helper functions.
• Replaced old references to summarise_mc() with summary_mc().
• Improved consistency of argument names across life-contingency functions.
• Improved documentation for life-contingency workflows, Monte Carlo summaries, and cash-flow diagrams.

Breaking changes

• The two-life functions now use the unified argument names mortality_table, age_x, age_y, rate, term_years, deferment_years, and output.
• Older argument names such as lt, x, y, i, n, m, and tidy are no longer used in the updated two-life API.
• Retired old geometric annuity helper documentation in favor of the unified annuity interface.