Escenario El Niño: escenario central (rango, no solo techo)#22
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Mejora #2 pedida: mostrar un escenario CENTRAL (ano tipico = media anual de las 4 campanas, ~S/50M) junto al techo (envolvente S/188M), para dar un RANGO defendible y no solo el peor caso. Banda: central S/50M -> peor ano S/63.5M -> ancla S/93M -> techo S/188M. Usado tambien en la ayuda memoria al MEF (siniestralidad financiera 80% tipico -> 170-300% El Nino). 5 tests verdes, AppTest 0 excepciones. Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
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Mejora #2: añade un escenario central (año típico = media anual de las 4 campañas, ~S/50M) junto al techo (envolvente S/188M), para presentar un rango defendible y no solo el peor caso. Banda: central S/50M → peor año S/63.5M → ancla S/93M → techo S/188M. Alimenta la ayuda memoria al MEF (siniestralidad financiera ~80% en año típico → 170-300% bajo El Niño). 5 tests verdes, AppTest 0 excepciones.
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