It's a bit confusing, but the lower and upper bounds are not calculated using the SE value predict() reports. The lower and upper bounds are calculated first on the transformed (log/logit) scale, and then back-transformed to the probability or abundance scale. Meanwhile, the SE is calculated using the delta method.
In general I would not use the SE estimate predict reports for anything. If you use this SE to calculate a CI with +/- 1.96*SE it is possible to get nonsensical answers like occupancy greater than 1 or less than 0.
If you want a different confidence interval than 95% you can set it with the 'level' argument.
Ken
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