Major accuracy release. Every reference file was audited against official 2026 Canadian sources and corrected, and all volatile figures were consolidated into one maintained facts file.
What's new
references/current-figures.md— a single, source-cited file for all current numbers (contribution limits, tax brackets, benefit amounts, CPP/OAS/GIS rates, BoC rate). Topical reference files now point to it, so a figure lives in exactly one place.- ~70+ corrections across all 16 topical reference files, including: removed a fabricated FHSA holding-period rule; retired the dead Canada Carbon Rebate; GST/HST credit → Canada Groceries & Essentials Benefit (July 2026); home-office $2/day method (gone); RRIF factors; CPP2 for the self-employed; probate/intestacy by province; the payday-loan regime; US estate exemption ($15M, permanent); FIRPTA tiers; insured-mortgage GDS/TDS; BC first-time-buyer PTT; the new First-Time Home Buyers' GST Rebate; Alberta's graduated brackets; NS HST 14%.
- Corrected worked examples — mortgage amortization rules, principal-residence and land-transfer-tax math, and the investment-growth and fee-comparison tables were all recomputed.
SKILL.mdnow treatscurrent-figures.mdas the authoritative source for any number.
Reviewed via multiple adversarial audit passes and end-to-end persona runs. See the repo for the demo sample plan and 12 test personas.