One of John Bogle's investment wisdoms is "Minimise the Croupier's Take": "The magic of compounding returns over the long term is overwhelmed by the tyranny of compounding long-term costs." A 9% gross return reduced to 7% net by fees doesn't cost you 2% — it costs you ~30% of your final wealth (and at 2% fees over 50 years, closer to 70%).

Build a single self-contained HTML file (no build step, no server, no CDN frameworks — vanilla JS and inline CSS only).

Default assumptions:

Gross return: 9%
Time horizon: 30 years
Starting capital: $10,000
Fee rate: 1% (the slider starting point)

Required UI elements:

Three sliders with live-updating labels:

Annual fee: 0% → 4% (step 0.1%)
Time horizon: 5 → 50 years (step 1)
Starting capital: $1,000 → $100,000 (step $1,000)

A dual-line chart (canvas, no SVG, no charting library) showing portfolio value over time for (a) zero fees and (b) current fee rate — so the gap is viscerally visible
A summary stat panel showing:

Final value with fees vs. without fees
Total dollars lost to fees
That dollar loss as a % of the no-fee final value (this is the Bogle gut-punch number)
A plain-English sentence: "Your fund manager earned $X. You earned $Y. They took Z% of what could have been yours."

Concept accuracy requirements:

Fees compound against you annually (apply fee to AUM each year, not to contributions)
The chart Y-axis must scale dynamically
Do NOT frame fees as "lost returns" — frame them as wealth transferred to the manager

Design bar: Make the fee drag feel painful. The gap between the two lines should be the hero of the page.

write to a file `<my_llm_name>.html`, where <my_llm_name> is the name of the ai llm model currently in use.