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Client case studyRetirement for two A real decision, anonymized

Portugal or Spain? How one couple chose where to retire

Two dream countries, two different charts. Which one wins?

30 min readWritten by KateNames and details changed
A vintage map of Portugal and Spain on a sunlit table with brass pins, a compass and a lit candle
Before you read: this is a real piece of client work. Names, cities, dates and personal details have been changed or blended across several similar readings, so nobody in it can be recognized. The charts, the method and the shape of the decision are exactly as they happen on my desk. There are no client quotes here, the words are all mine.

Every autumn my inbox fills with the same kind of message. Someone has just finished their last week of work, the house feels bigger than it used to, and there is a folder on the kitchen table with printouts about Portugal, Spain, sometimes Greece. The question underneath is always the same one: we can finally go anywhere, so why is it so hard to pick?

This story is about a couple I will call Margaret and Tom. She was 64, a retired school administrator. He was 66, an engineer who had spent his career building water systems. Forty years married, two grown kids, and a shortlist that had been stuck at five places for over a year. They came to me not because they believed in astrology, Tom made that clear in the intake form, but because they had run out of spreadsheet columns. Cost of living, healthcare, flight times to the grandkids: every place scored fine. Nothing separated them.

So we did the whole thing properly, and I want to walk you through it the way it actually sat on my desk: two birth charts read placement by placement, the two charts held against each other to see how they mesh, five cities re-drawn for each of them, the planet lines that run near each town, and the tarot I pulled when the maps stopped giving me a clear answer and I needed a second opinion. It is long because the work is long. Take it slowly. By the end you will be able to run a rough version of it for yourself.

1

The shortlist, and the fight hiding inside it

Their five candidates were the Algarve and the Silver Coast in Portugal, and Valencia, Alicante and Málaga in Spain. On paper, near-identical: warm, coastal, affordable, good hospitals. But when I asked each of them separately to rank the five, the lists came back reversed. Margaret's first choice was Tom's last.

Margaret
Wanted Valencia
  • Wanted a real city: markets, concerts, a Spanish class on Tuesdays
  • Wanted a town wide enough to keep her world growing
  • Kept her mother in mind and was set on staying well connected
Tom
Wanted the Algarve
  • Pictured a garden, a workshop, a boat he could finally justify
  • Forty years of meetings; he wanted quiet on purpose
  • Suspected "city energy" meant noise, traffic and bureaucracy

Neither was wrong. That is what made it a stalemate rather than an argument. Two capable adults, each with a clear picture, each certain the other would come around if they just visited the right town at the right time of year. They had visited plenty of towns. Nobody was coming around.

So instead of debating preferences, I did what I always do for a two-person relocation: I read both birth charts on their own terms first, then I read the two of them together, then I put both charts on the map and let the geography answer. Preferences argue. Charts describe. It is a lot easier to make a decision once you swap the first for the second.

2

Margaret's birth chart, read like a person

Before I could map anything, I needed to know who these two charts belonged to. A relocation reading is only as good as the natal chart underneath it, because moving does not give you a new personality, it just changes which parts of the one you have get the microphone. So we start at the beginning, with the chart of the moment each of them was born.

Margaret is a Gemini Sun with a Leo Moon and a Libra rising. Let me take those one at a time, because that trio is the spine of any chart.

Her Sun in Gemini is the core of who she is, and Gemini is the sign of the curious talker: it runs on information, conversation and variety, and it gets restless when the days are all the same. That is the part of her that wanted a Spanish class and a market and a reason to leave the house. Her Moon in Leo is her emotional engine, the part that tells her whether she feels safe and fed, and a Leo Moon feels fed by warmth, by being seen, by having people around who know her name. Put those together and you already understand why "a small coastal town might shrink my world" was not a whim. Her Sun needs input and her Moon needs an audience. A place with no square to walk to would starve both.

Her Libra rising is the mask and the doorway, the style she meets life with, and Libra rising is the diplomat: it reads a room, wants things pleasant and fair, and quietly hates conflict. It is also why, in forty years, she had never forced this decision. A Libra rising will sit in a stalemate for a year rather than make her partner unhappy.

The placement that told me the most, though, was her Saturn in the eleventh house. Saturn is the planet of structure, limits and hard-won maturity, the part of a chart that shows where life asks you to work for what you get. The eleventh house is the area of friendships, groups, clubs and community. Saturn there means community is something she builds on purpose, and when she puts the effort in it grows well. Her wish to stay well connected as she got older matched her chart exactly. It was naming a real pattern. Wherever she landed, belonging would be something she got to build, so the town needed to make that easy and give her plenty to join.

Two more placements matter for a move. Her Venus in Cancer shows what she finds lovely and how she attaches, and Venus in Cancer loves the domestic and the familiar: a kitchen, neighbours who wave, a place that feels like home quickly. Her Mercury in Gemini, Mercury being the planet of thinking, talking and learning, sits right beside her Sun, which is why language and lessons are not a hobby for her, they are oxygen. A retirement with nothing new to learn would flatten her.

3

Tom's birth chart, read like a person

Tom is a Taurus Sun with a Capricorn Moon and a Virgo rising. If Margaret's chart is built for input and people, Tom's is built for building.

His Sun in Taurus is steady, sensory and slow to move: Taurus likes to make something real with its hands, likes good food and a comfortable chair, and does not enjoy being rushed. The garden, the workshop, the boat, those were not idle pictures. That is a Taurus Sun describing a good day. His Moon in Capricorn, the emotional engine again, feels safe when there is order and a task. Capricorn Moons relax by getting things done, which sounds like a contradiction until you live with one. Forty years of meetings had used up the part of him that performs, and left the part that loves quietly finishing a project ready and eager for a turn.

His Virgo rising is the doorway, and Virgo rising meets life by noticing what is wrong and wanting to fix it: practical, detail-first, a little allergic to mess and noise. This is the man who read "city energy" as traffic and paperwork, because his rising sign really does feel friction in busy, disordered places. It is not snobbery. It is a nervous system that settles in tidy quiet and frays in chaos.

His Mars in Aries is the placement I flagged hardest. Mars is the planet of drive and action, the part of you that pushes ahead and wants to get moving. Mars in Aries is Mars at full strength: quick, keen, effective in a crisis. In the right setting that is decisive energy for a man starting projects in retirement. In a loud, slow, form-heavy setting that same drive has nowhere good to go, so the fit of the place matters a lot for him. Hold on to that Mars. It becomes the hinge of the whole map.

On the softer side, his Venus in Pisces shows he attaches through tenderness and quiet devotion, which is the part of a fairly stoic man that has stayed married forty years and still means it. And his Jupiter in the fourth house is worth knowing: Jupiter is the planet of growth, luck and expansion, and the fourth house is home, roots and the physical dwelling. Jupiter there means home is where he grows. Give this man the right house and he will bloom inside it. Give him the wrong one and no amount of nice restaurants nearby will fix it.

4

How the two charts fit together

Now the part that only matters for couples. Reading two charts separately tells you who each person is. Reading them against each other, which astrologers call synastry, tells you how they run as a unit and where the natural give-and-take lives.

The first thing I look at in any couple is the Sun and Moon contacts, because they show whether daily life feels natural. Margaret's Leo Moon sits in a supportive angle to Tom's Aries Mars and Taurus Sun. In plain terms: her need for warmth and being seen is fed by his steady presence and his drive, and his action energy has somewhere kind to land. That is a big part of why forty years worked. Her warmth does not read as demanding to him, and his solidity does not read as dull to her.

The tension, and every couple has one, is between her Gemini planets and his Virgo rising and Capricorn Moon. Her mind moves fast, changes direction, floats possibilities out loud without meaning them as plans. His chart hears every floated possibility as a task to evaluate. So when she said "maybe we should look at Greece too," her Gemini was playing, and his Virgo-Capricorn was reaching for a pen. Multiply that by a year of shortlisting and you get two people who love each other and keep talking past each other about the future. The synastry did not cause the stalemate, but it explained why the stalemate felt so sticky, and once they could see it they could work around it easily.

The reassuring piece: her Venus in Cancer and his Venus in Pisces are in a warm, flowing angle to each other. What they each find lovely, home, water, a settled nest, points the same direction. They were never going to disagree about what a good life looks like. They only disagreed about the postcode. That is a solvable problem, and it is exactly the kind of problem a map can solve.

One more synastry contact was quietly steering the whole stalemate, and it is worth naming because so many couples have a version of it. Her Saturn, the structure planet, touches his Sun. In a marriage that has lasted, a contact like that shows up as one partner being the steady anchor and boundary-setter for the other. It is supportive, but it also means she tends to be the one who says the sensible no, and after forty years of being the sensible one, her Libra rising was ready to hand that job to someone else. She did not want to be the person who ruled out his Algarve dream. So she waited rather than deciding, which felt kinder and was mostly just slower. Understanding that contact let me hand the deciding vote to the map rather than to her. The map could set the Algarve aside without Margaret having to be the one saying it, and that alone lifted a year of pressure between them.

5

Putting both charts on the map

With both charts understood, I calculated a full astrocartography map for each of them, the version of a birth chart that is drawn over the globe instead of a wheel. Every planet in your chart casts lines across the map, and living near a line pulls that planet's themes into daily life. Then I laid the two maps on top of each other and looked at all five cities through both charts at once.

For a couple, the interesting part is the overlap. A city can be glorious for one chart and heavy for the other, and no amount of goodwill fixes a mismatch you did not know was there. Alongside the lines I cast a relocated chart for each finalist city, which shows how the whole chart re-arranges when you make that place home, and I checked the timing: both of them were in the kind of long Saturn cycle where commitments made now tend to stick for decades. Whatever they chose, they would likely stay chosen. No pressure.

6

Line by line: what runs near each city

Here is where the abstract turns concrete. I went city by city and wrote down which planet line runs near each town for each of them, how close it sits, and what the relocated chart does. This is the working note, cleaned up a little.

Valencia

For Margaret, Valencia is a near-direct hit on her Jupiter line, within roughly 40 miles, so well inside the strong band. Jupiter is growth, learning and good luck with people, and it happens to touch the very themes her chart most needs fed. Her relocated Valencia chart also lifts her Mercury, her learning-and-talking planet, high in the chart. This is, flatly, the best single spot on her entire map. The Spanish class practically books itself.

For Tom, Valencia is the problem. His Mars line runs almost directly overhead, well inside the strong band. Remember his Mars in Aries, the short fuse. Sit that Mars on top of a big, busy Spanish city with its own paperwork and pace, and you get a man who is irritated by Tuesday and does not know why. His relocated chart there also drops his home-and-roots Jupiter into a weaker corner. The place that grows Margaret shrinks Tom. And here is the trap the two of them had walked straight into: on a lovely week-long visit, a Mars line reads as energy and excitement, the city feels alive, Tom would come home saying he could see the appeal. Lived in day after day, that same Mars stops feeling like excitement and starts feeling like friction he could do without. A holiday flatters a Mars line. A mortgage shows you the everyday version.

Alicante

Alicante sits on the edge of the same Jupiter influence for Margaret, so she gets a weaker version of the Valencia lift, and little else in her chart activates there. For Tom it is the soft edge of the same Mars zone, less hot than Valencia but not clear of it, over a chart that is otherwise line-quiet. Line-quiet means no strong planet lines nearby, which sounds restful and mostly reads as flat: nothing pushing you down, but nothing lifting you either. Neither of them lights up. It is the beige option.

Málaga

Málaga is the one I wanted to strike off early. For Margaret, her Saturn setting line sits close by. Saturn is duty and structure, and on the setting angle it tends to color close relationships and daily obligations with a feeling of extra weight and extra rules. Given her chart already builds friendship on purpose, adding a Saturn line over her home life would ask more of the exact muscle she already works hardest. For Tom it is fine, a mild pleasant Venus influence, nothing wrong. But a city that is merely fine for him and asks a lot of her is not a contest.

The Algarve

Now the reverse of Valencia. For Tom, the Algarve puts both his Venus line and his Sun line within range: Venus for ease, pleasure and social warmth, the Sun for vitality, health and feeling like himself. For a Taurus who wants a garden and a workshop, this is close to ideal. His relocated chart there strengthens his home-and-roots Jupiter, the placement I told you to hold on to. This is his Valencia, his one-sided win.

For Margaret, the Algarve is the quiet one. No strong lines nearby, and her relocated chart for the Algarve puts the ruler of her eleventh house, her house of friendship, into a soft placement. The ruler of a house is the planet that governs that area of life, and when it lands somewhere soft in the relocated chart, that area takes more work to get going. Translated: this is the town where her build-it-on-purpose community pattern gets the least help from the map, so it is the one place she would have to work hardest to feel at home.

The Silver Coast

And the one nobody ranked first. The Silver Coast, north of Lisbon around Caldas da Rainha and Óbidos, keeps almost all of Tom's Venus and Sun warmth, because those lines run up much of the Portuguese coast and barely weaken between the Algarve and here. So he loses very little of what made the Algarve appeal to him. And Margaret, crucially, is not line-quiet here the way she is in the south. Her Venus crossing sits close, within about 60 miles, and her relocated chart for Caldas da Rainha moves her Sun into the eleventh house, the house of groups, clubs and belonging, the precise thing she feared losing. There is also a soft paran near that latitude linking her Sun and Jupiter, a quiet bonus for meeting people. Both charts get something real in the same place. That almost never happens.

PlaceMargaret's mapTom's mapVerdict
ValenciaJupiter rising line within 40 miles: growth, learning, luck with communityMars line practically overhead: irritation, disputes, a short fuseSplit
AlicanteSame Jupiter influence, weaker; little else activeEdge of the same Mars zone, plus a flat, line-quiet chartBeige
MálagaSaturn setting line close by: duty, restriction, feeling policedVenus influence, pleasant but mildUphill
AlgarveNo strong lines; her relocated chart put the ruler of her house of friendship in its weakest placementVenus and Sun lines both within range: ease, health, identitySplit
Silver CoastVenus crossing within 60 miles, and a relocated chart that moved her Sun into the house of communitySame Venus and Sun influence as the Algarve, barely diminishedStrong for both

Notice what happened. The two places they were fighting over, Valencia and the Algarve, were each a one-sided win. Valencia gave Margaret her best line on the whole map and gave Tom his worst. The Algarve did the exact reverse. They had, with impressive precision, each fallen in love with the other's problem city.

7

How the houses re-arrange when you move there

People find the line map easy to picture and the relocated chart harder, so let me slow down on the two finalists and show you what actually shifts. A relocated chart does not change your personality. It changes which house each planet works in, and the houses closest to the four angles, the top, bottom, left and right edges of the chart, get the loudest voice. When a planet moves onto an angle in your relocated chart, that theme moves to the front of your daily life whether you invited it or not.

In Margaret's Algarve relocation, the planet that governs her friendship house slides away from the angles and into a soft, quiet spot. In felt terms: she would wake up in a lovely house and have to drive a little to find a conversation. Her Gemini Sun would go looking for input and want more of it. Over a year that is the smaller-world outcome she wanted to avoid, and it would be easy to blame the town or the language when the real cause is simply the map.

In her Silver Coast relocation, her Sun lifts into the eleventh house of groups and belonging, right where her Saturn already lives. That pairing is interesting: Saturn there means community is work, and now the Sun is there too, which means the work is lit up and rewarded rather than avoided. She would have to join things, and joining things would visibly pay off. That is the best possible arrangement for someone whose chart makes belonging a project.

For Tom, both Portuguese relocations keep his home-and-roots Jupiter strong, but the Silver Coast holds it a touch better on the angle, meaning the house itself, the thing his chart grows inside, stays central. His Virgo rising also stops fraying the moment you take him out of the busy Spanish cities and put him somewhere ordered and slow. The Silver Coast is ordered and slow. His nervous system exhales.

8

The tarot I pulled when the map stopped answering

The astrocartography made the shape of the answer obvious, but two things were still open, and this is exactly when I turn to the cards. Tarot is not where I get the facts. It is where I check the feeling underneath a decision the map has already pointed at. I pulled one small spread for each of them, focused on the finalist that was theirs to lose.

First, a three-card spread for Tom about the Silver Coast, asking a plain question: if we choose this coast over the Algarve you love, what happens to you.

Seven of Cups tarot card
What he gives up
Seven of Cups
Reversed

The reversed Seven of Cups is the end of too many daydream options. For Tom it meant letting go of the fantasy Algarve boat-and-sunset reel, and the relief of finally choosing one real place instead of five imagined ones.

Four of Wands tarot card
What he gets
Four of Wands
Upright

The Four of Wands is a settled home and a housewarming. Here it was almost literal: a house with a garden, roots going down, family visiting. His Jupiter in the fourth, drawn as a card.

Knight of Pentacles tarot card
The catch
Knight of Pentacles
Upright

The Knight of Pentacles is slow, patient, methodical work. The message was that the Silver Coast rewards the man who builds steadily and warns off the one who expects it turnkey. His Taurus Sun was being told this is your pace, use it.

That reading landed with Tom precisely because it did not sell him anything. The catch card told him there would be work, which a Capricorn Moon actually finds reassuring. A retirement with a project in it is the retirement he wanted.

Then a three-card spread for Margaret, same structure, about whether a town rather than a city could hold her.

Five of Pentacles tarot card
What she wants to avoid
Five of Pentacles
Upright

The Five of Pentacles is standing outside a lit window, wanting to be part of the warmth indoors. This was the smaller-world outcome she was determined to steer clear of, and a reminder to pick a town that makes joining in easy.

Three of Cups tarot card
What the coast offers
Three of Cups
Upright

The Three of Cups is friends, celebration, people gathering. Straight across from the Five of Pentacles, it was the map's promise restated: the eleventh-house Sun, the community she would build, the warm room she gets to walk into.

Page of Wands tarot card
Her part in it
Page of Wands
Upright

The Page of Wands is the beginner, the one who signs up and shows up. The card was not describing what the town would do for her. It was telling her the belonging only arrives if she starts things, which is her Saturn-on-friendships lesson worded kindly.

The pairing of the Five and the Three of Cups did more in ten seconds than an hour of me reassuring her. She could see the concern and the answer side by side, and she could see that the answer had one simple ask attached: she gets to be the Page who joins the class, rather than waiting to be invited.

Finally, three shared cards for the decision itself, drawn face up, one question: what is this move, what holds it steady, and what should they watch for?

Two of Wands tarot card
The move, as a whole
Two of Wands
Upright

The Two of Wands is standing with the world in your hands, looking out from a safe place at where you will go next. It is the card of a considered choice made from strength, not panic. For a couple who had circled for a year, it was permission to finally point at the map and go.

The Emperor tarot card
What holds it steady
The Emperor
Upright

Structure. The visa paperwork done early, the rent-before-you-buy plan, the calendar of visits home agreed in advance. This move works as a well-run project, not as a leap, and Tom's engineering habits were suddenly an asset instead of a brake.

The Moon tarot card
What to watch for
The Moon
Reversed

The first winter, when the light drops and the newness settles, a little missing of home can show up. Named in advance, it is easy to take in stride: it is passing weather, not a sign they chose wrong.

9

The practical layer: Portugal versus Spain

A chart can tell you where you will thrive. It cannot tell you where you are allowed to live, what your medicine will cost, or how your pension gets taxed. So a responsible relocation reading always ends with the unglamorous layer, and I walked them through it at a general level. I am not a lawyer or a tax adviser, and rules for non-residents change often, so everything here is a starting map, not advice. Both of them promised to confirm the current specifics with a qualified adviser and the official government sources before signing anything, and you should too.

Practical layerPortugal, in generalSpain, in generalVerdict
Residency routeRetirees typically use a passive-income style visa; you show steady pension income and health cover. Terms shift, so confirm the current version.A non-working residence visa on a similar principle; income thresholds and paperwork differ and change. Confirm the current version.Check both
HealthcareA public system plus widely used private insurance; many retirees carry private cover for speed. Quality is generally well regarded.A well-regarded public system, often paired with affordable private plans for shorter waits. Access rules depend on your status.Strong both
Cost of livingGenerally lower than northern Europe; the Silver Coast tends to run cheaper than the tourist-heavy Algarve.Comparable overall; big cities like Valencia cost more than smaller coastal towns.Manageable
Tax on pensionsDepends on your residency status and any treaty between countries; past incentive schemes have changed, so this needs current, personal advice.Also depends on status and treaties, and on regional rules. This is the item most worth paying a professional to check.Get advice
Language and daily lifePortuguese; English is common on the coast, less so inland. Classes help a lot.Spanish; Margaret already wanted to learn it, a point in Spain's favour for her.Effort either way
Flights to the grandkidsLisbon airport is roughly an hour from the Silver Coast, with good northern-Europe connections.Valencia and Málaga both have busy airports; slightly wider direct-flight choice in peak season.Both fine

The practical layer did not overturn the chart answer, which is the usual outcome when a couple has already done their homework. Both countries can house a retired couple comfortably. The residency and tax lines were the only ones with real teeth, and those depend entirely on personal circumstances and on rules as they stand the day you apply, which is why I sent them to a cross-border adviser rather than guessing. The one soft point for Spain was language: Margaret wanted Spanish, and choosing Portugal meant Portuguese instead. She decided a new language was a new language, and her Mercury-in-Gemini would enjoy either.

10

What I recommended, and what they did

  1. The reading

    Silver Coast first, Valencia trip preserved

    My recommendation: make the Silver Coast the primary candidate, drop Málaga entirely, and keep Valencia as Margaret's regular city fix, it is a short flight, not a life sentence for either of them.

  2. Straight after

    The homework list

    I sent them off to confirm the current residency route, the pension tax position and health cover with a cross-border adviser before any offer. Chart first, contract last.

  3. Three weeks later

    The February test

    They rented a house outside Caldas da Rainha for a month in the off season, the worst-case weather audition. A chart cannot argue with a rain gauge.

  4. Two months later

    The follow-up question

    Every reading includes one, and theirs was practical: which of three specific towns along that coast sat best for both charts. One of the three edged out the others for her map, moving her relocated Sun cleanest into the community house, without costing him anything.

  5. The next spring

    They moved

    A house with a garden and a workshop for Tom, a fifteen-minute walk from a town square for Margaret. She found her Portuguese class in the first month. He found the boat in the second.

There was one caution I gave them plainly, and I will repeat it here: the Silver Coast is not the Algarve's climate. Wetter winters, a colder ocean. That is why the February test was not optional. If the rain had put Margaret off, no eleventh-house Sun would have made up for it. It did not put her off. She liked the fireplaces.

Worth keeping

The strongest place for a couple is almost never either person's first choice. First choices are usually one chart shouting. The right answer is where both maps agree, and you cannot find that spot by negotiating harder, only by reading both charts, checking how they fit, and looking at both maps at once.

11

A self-check for retiring as a couple

You do not need me to run a full reading before you have a real conversation. Sit down with your partner and answer these out loud, separately, before you compare. Most of the stalemate I saw with Margaret and Tom would have loosened months earlier if they had done this plainly.

  • What does a good ordinary Tuesday look like for you there? Not the holiday. The Tuesday. Tom's was a workshop; Margaret's was a class. If your Tuesdays point at different towns, say so now.
  • What is the wish under your preference? Margaret's "I want a city" was really "I want to stay well connected." Name the wish and you can often meet it in a place you had set aside.
  • Which of you fills the tank by being with people, and which by having time alone? That one difference decides more about a location than budget does.
  • What does each of you need close by, and what can be a flight away? A city can be a day trip. Your home cannot. Sort your must-haves from your nice-to-reach.
  • Who is going to build the social life? If one of you says yes, the town fills up with friends fast. Someone gets to be the Page of Wands who joins things.

If you are standing where they stood

A few more things from this reading that apply to almost every retiring couple:

  • Rank your shortlist separately, then compare. If your lists are reversed, you are not indecisive, you have a two-chart problem wearing a spreadsheet costume.
  • Read the map for both of you, not the loudest one. Your own good line is easy to feel from a photo. Your partner's hard line is invisible until you look.
  • Give compromise candidates a fair hearing. The winner was ranked third and fourth. Places that quietly suit both charts rarely produce the holiday-photo infatuation that first choices do.
  • Keep the chart and the paperwork in the right order. Find where you will thrive first, then confirm the visa, health and tax reality with a qualified adviser and current official sources. Never the reverse.
  • Test the worst season, not the best. Astrology found the town; a rainy February confirmed it. Use both.

And if you want to try a rough version of the mapping yourself before you spend on a reading: pull up a free astrocartography map for each of you, mark your shortlist towns, and note which planet lines fall inside about 150 miles of each town for each person. Circle any town that gives you both a warm line, Venus, Sun or Jupiter, and strikes out any that puts a Saturn or Mars line on the partner it belongs to. That one pass will not replace a full reading, but it will usually shorten your list faster than another month of arguing.

If you want the background on how the lines work before you go further, start with my guide to astrocartography, or the piece on the best countries to retire to by your chart.

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Curious how the map itself works? The astrocartography page explains every planet line, with all my guides in one place.