Calculates and returns contract information for a retirement product contract, based on the customer's date of birth, chosen payout age, contribution plan, and portfolio allocation. This includes the accumulation period, projected performance scenarios, and a summary of contributions and subsidies.

All calculated figures (performance scenarios, contribution and subsidy totals) cover the entire full term of the retirement account, i.e. from contract start until the selected payout start date - not just a single year or period.

Use is_final=true when the returned information will be presented to the customer as the final basis for contract conclusion (e.g. right before signing). This persists the result and returns it with a non-null id. Use is_final=false (the default) for earlier, exploratory calculations (e.g. while the customer is still adjusting their inputs) - in this case the response is a preview only, before the customer has accepted the product information, and id is always null.

Note: performance_scenarios and all figures derived from them (e.g. the payin_projections and payout_projections of each scenario) are projections, not guarantees. They are calculated using assumed rates of return and can differ from the contract's actual future performance depending on market conditions.