Function consult 

pub fn consult(
    vault: &Path,
    pp: &Passphrase,
    sell_sat: i64,
    wallet: WalletId,
    at: TaxDate,
    proceeds: Option<Usd>,
    kind: DisposeKind,
) -> Result<ConsultReport, CliError>

optimize consult — §C.3 Mode-2 READ-ONLY pre-trade what-if.

Opens the vault, runs the pure deterministic projection, and calls consult_sale with the synthetic ConsultRequest. Returns a ConsultReport with the tax-minimizing lot selection, the resulting ST/LT split, the federal tax attributable to the hypothetical sale, and — when present — the ST→LT timing insight (crossover + saving). Appends NOTHING, writes NOTHING, calls no session.save(). The result is tax decision-support (consequences of a contemplated sale), NOT buy/sell/hold advice (§C.2 scope invariant).