This o1-pro conversation revealed other changes needed:

1. Reorder the steps:

   • Compute the base monthly amount (pregnancy or child rate).
   • Apply the 20% “joint” marriage bonus on top of that.
   • Subtract the phase‐out amounts.
   • Enforce the 1/12‐of‐AGI cap last.

2. Adjust the phase‐out:

   • The bill’s $16.67 per $1,000 is per month. If the code is doing an annual calculation, multiply the phase‐out rate by 12 so you reduce $200 annually per $1,000 above the threshold.

3. Fix the 1/12‐of‐AGI cap:

   • Currently, the entire annual credit is capped at 1/12 of AGI. Instead, either (a) limit each monthly payment to AGI/12, or (b) allow up to a total of AGI if summing twelve monthly checks across the year.

modified the phase-out and cap to be yearly params to simplify

add an integration test without is_mother as True, i want to make sure the pregnancy credit applies when we just have a single parent of unspecified gender. if it adds complexity just remove the separate pregnancy amount and make the 0yo bracket $8k

consolidated into one parameter and one amount variable - the is mother doe snot apply automatically to single parents