Calibrate retirement contributions: targets, SS reconciliation, and QRF imputation

changelog.d/changed/553.md

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+Fix and add retirement contribution calibration targets: correct traditional IRA from $25B to $13.2B (SOI 1304), split 401(k) into traditional $482.7B and Roth $85.2B (BEA/FRED × Vanguard share), add Roth IRA at $35.0B (SOI Tables 5 & 6), add self-employed pension ALD at $29.5B (SOI 1304).

changelog.d/fix-ss-subcomponent-reconciliation.fixed.md

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+Reconcile SS sub-components after PUF imputation so they sum to social_security.

conftest.py

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+"""Root conftest: mock optional dependencies before collection.
+
+microimpute requires Python >= 3.12, so mock it for test
+environments running an older interpreter.  Only install the
+mock when the real package is unavailable — otherwise tests
+that trigger CPS generation (which uses QRF imputation) would
+silently get a MagicMock instead of the real model.
+"""
+
+import sys
+from unittest.mock import MagicMock
+
+try:
+    import microimpute  # noqa: F401
+except ImportError:
+    _mock = MagicMock()
+    sys.modules["microimpute"] = _mock
+    sys.modules["microimpute.models"] = _mock
+    sys.modules["microimpute.models.qrf"] = _mock