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        "Tx": 189971.115566631,
        "api_record_updated": "2026-10-01T16:44:55.84+02:00"
      }
    ]
  },
  "limitations": [
    "时期生命表，不含个人健康、深圳局部差异或未来队列死亡改善。",
    "WHO估计不等同中国官方国家统计值。",
    "组间线性插值是本工具数值近似，不是WHO公布的逐月生存概率。",
    "85+为开放末组；不从均值ex伪造尾部分布。截断至85岁仅是领取期望下限。",
    "若以85岁以上尾项ex估算终身水平养老金，应明确仅限金额恒定、无折现的生存时间积分；不能用于变化现金流的精确尾部折现。"
  ]
}