25-year demographic scenario: housing affordability decline + birth rate collapse + labour force contraction + fiscal erosion + institutional trust collapse.

Epoch: 114

Domain: housing

Fiscal cost estimate (LLM): $7,322.74B CAD

Structural estimate (RIPPLE): +$6,780.32B CAD net (v3-bfs-signed depth=2, decay=0.5/hop; agrees)

Top RIPPLE cost paths

• +$6,336.00B → consumer_spending (Consumer Spending Growth) via inflation_rate
• +$842.82B → budgetary_balance (Budgetary Balance (Deficit/Surplus)) via public_debt_charges
• −$478.44B → direct_program_spending (Direct Program Expenses) via public_debt_charges
• +$111.60B → healthcare_spending (Healthcare Spending) via inflation_rate

Variable changes

• inflation_rate: {"new": 17.5, "old": 2.5}
• wage_growth_real: {"new": -6.5, "old": 0.0}
• business_investment: {"new": -20.0, "old": 280.0}
• housing_completions: {"new": -15.0, "old": 276.0}
• food_bank_utilization: {"new": 25.0, "old": 0.0}