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The health score funded ratio was only reading from the reserve_components table (replacement_cost), but users enter their reserve data on the Projects page using estimated_cost. When reserve_components is empty, the funded ratio now falls back to reserve-funded projects for: - Total replacement cost (estimated_cost) - Component funding status (current_fund_balance) - Urgent components due within 5 years (remaining_life_years) - AI prompt component detail lines Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>