Money forecast: name the first crash after the calm start in the explanation

src/lib/money-tracker/ScenarioDetails.svelte

@@ -105,6 +105,13 @@
 	let result = $derived(results[selected]);
 	let markets = $derived(marketReturns(active, result.years[0]?.year));
 	let normalReturn = $derived(markets.normal);
+	/** First crash after any calm start. */
+	let firstCrash = $derived.by(() => {
+		let year = active.firstCrashYear;
+		const every = Math.max(1, Math.round(active.crashEveryYears));
+		while (markets.calmUntil !== null && year <= markets.calmUntil) year += every;
+		return year;
+	});
 	/** Crash and correction years in the first ten years, for the explanation. */
 	let shocks = $derived(
 		Array.from({ length: 11 }, (_, offset) => (result.years[0]?.year ?? 0) + offset)
@@ -176,7 +183,7 @@
 				earn the {active.returnPercent}% average.
 			{/if}
 			{#if active.crashPercent !== 0}A {active.crashPercent}% crash every {active.crashEveryYears} years
-				from {active.firstCrashYear}{active.correctionPercent !== 0
+				from {firstCrash}{active.correctionPercent !== 0
 					? `, a ${active.correctionPercent}% correction halfway between`
 					: ''}, and {percent(normalReturn)} in the other years so it averages out{markets.calmUntil !==
 				null