A recursive cosmological model where time is emergent, gravity is inherited electromagnetism, the dark sector arises from fractal frame nesting, and the parent frame is a black-hole interior. Predicts dark energy w₀ = −0.867 (DESI-consistent), q₀ = −0.395, Λ·t₀² = 8/φ³, CMB scalar tilt n_s = 1 − 1/φ⁷ = 0.9656 (matches Planck 2018 at 0.17σ, in ~2.8σ tension with ACT DR6 + Planck — Simons Observatory will decide), H₀ ≈ 68 km/s/Mpc (matches DESI BAO+BBN early-universe va