Version 1.1

.env.example

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+# ============================================================
+# Lottery Tracker — Environment Configuration
+# ============================================================
+# Copy this file to .env and adjust values as needed.
+#   cp .env.example .env
+# ============================================================
+
+# --- Flask ---
+FLASK_DEBUG=false
+FLASK_HOST=0.0.0.0
+FLASK_PORT=5000
+
+# CORS: comma-separated origins, or * for all
+ALLOWED_ORIGINS=*
+
+# --- Tax rates ---
+LUMP_SUM_RATE=0.52
+FEDERAL_TAX_RATE=0.37
+DEFAULT_STATE_TAX_RATE=0.055
+USD_CAD_RATE=1.35
+INVESTMENT_INCOME_TAX_RATE=0.5353
+PERSONAL_WITHDRAWAL_PCT=0.10
+
+# --- Investment defaults ---
+DEFAULT_INVEST_PCT=0.90
+DEFAULT_ANNUAL_RETURN=0.045
+DEFAULT_CYCLES=8
+
+# --- Scraper URLs (override only if sites change) ---
+# SCRAPER_URL_POWERBALL=https://www.lotto.net/powerball
+# SCRAPER_URL_MEGA_MILLIONS=https://www.lotto.net/mega-millions
+# SCRAPER_URL_OLG=https://www.olg.ca/
+
+# --- Cache TTL (seconds, default 6 hours) ---
+CACHE_TTL_SECONDS=21600