@dizzlkheinz/ynab-mcpb 0.18.4 → 0.19.0

package/src/tools/reconciliation/__tests__/reportFormatter.test.ts

@@ -1,577 +1,627 @@
-import { describe, it, expect } from 'vitest';
+import { describe, expect, it } from "vitest";
+import type { LegacyReconciliationResult } from "../executor.js";
 import {
-  formatHumanReadableReport,
-  formatBalanceInfo,
-  formatTransactionList,
-  type ReportFormatterOptions,
-} from '../reportFormatter.js';
+	type ReportFormatterOptions,
+	formatBalanceInfo,
+	formatHumanReadableReport,
+	formatTransactionList,
+} from "../reportFormatter.js";
 import type {
-  ReconciliationAnalysis,
-  BankTransaction,
-  YNABTransaction,
-  ReconciliationInsight,
-} from '../types.js';
-import type { LegacyReconciliationResult } from '../executor.js';
+	BankTransaction,
+	ReconciliationAnalysis,
+	ReconciliationInsight,
+	YNABTransaction,
+} from "../types.js";
 
 /**
  * Helper to create MoneyValue for tests
  */
-const makeMoney = (value: number, currency = 'USD') => ({
-  value_milliunits: Math.round(value * 1000),
-  value,
-  value_display: value < 0 ? `-$${Math.abs(value).toFixed(2)}` : `$${value.toFixed(2)}`,
-  currency,
-  direction: (value === 0 ? 'balanced' : value > 0 ? 'credit' : 'debit') as
-    | 'balanced'
-    | 'credit'
-    | 'debit',
+const makeMoney = (value: number, currency = "USD") => ({
+	value_milliunits: Math.round(value * 1000),
+	value,
+	value_display:
+		value < 0 ? `-$${Math.abs(value).toFixed(2)}` : `$${value.toFixed(2)}`,
+	currency,
+	direction: (value === 0 ? "balanced" : value > 0 ? "credit" : "debit") as
+		| "balanced"
+		| "credit"
+		| "debit",
 });
 
 /**
  * Create a minimal reconciliation analysis for testing
  */
 const createTestAnalysis = (
-  overrides?: Partial<ReconciliationAnalysis>,
+	overrides?: Partial<ReconciliationAnalysis>,
 ): ReconciliationAnalysis => ({
-  success: true,
-  phase: 'analysis',
-  summary: {
-    statement_date_range: '2025-10-01 to 2025-10-31',
-    bank_transactions_count: 10,
-    ynab_transactions_count: 12,
-    ynab_in_range_count: 12,
-    ynab_outside_range_count: 0,
-    auto_matched: 8,
-    suggested_matches: 1,
-    unmatched_bank: 1,
-    unmatched_ynab: 3,
-    current_cleared_balance: makeMoney(-899.02),
-    target_statement_balance: makeMoney(-921.24),
-    discrepancy: makeMoney(22.22),
-    discrepancy_explanation: 'Statement shows more owed by $22.22',
-  },
-  auto_matches: [],
-  suggested_matches: [],
-  unmatched_bank: [],
-  unmatched_ynab: [],
-  ynab_outside_date_range: [],
-  balance_info: {
-    current_cleared: makeMoney(-899.02),
-    current_uncleared: makeMoney(-50.0),
-    current_total: makeMoney(-949.02),
-    target_statement: makeMoney(-921.24),
-    discrepancy: makeMoney(22.22),
-    on_track: false,
-  },
-  next_steps: ['Review unmatched transactions', 'Create missing transactions'],
-  insights: [],
-  ...overrides,
+	success: true,
+	phase: "analysis",
+	summary: {
+		statement_date_range: "2025-10-01 to 2025-10-31",
+		bank_transactions_count: 10,
+		ynab_transactions_count: 12,
+		ynab_in_range_count: 12,
+		ynab_outside_range_count: 0,
+		auto_matched: 8,
+		suggested_matches: 1,
+		unmatched_bank: 1,
+		unmatched_ynab: 3,
+		current_cleared_balance: makeMoney(-899.02),
+		target_statement_balance: makeMoney(-921.24),
+		discrepancy: makeMoney(22.22),
+		discrepancy_explanation: "Statement shows more owed by $22.22",
+	},
+	auto_matches: [],
+	suggested_matches: [],
+	unmatched_bank: [],
+	unmatched_ynab: [],
+	ynab_outside_date_range: [],
+	balance_info: {
+		current_cleared: makeMoney(-899.02),
+		current_uncleared: makeMoney(-50.0),
+		current_total: makeMoney(-949.02),
+		target_statement: makeMoney(-921.24),
+		discrepancy: makeMoney(22.22),
+		on_track: false,
+	},
+	next_steps: ["Review unmatched transactions", "Create missing transactions"],
+	insights: [],
+	...overrides,
 });
 
 /**
  * Create test bank transaction
  */
 const createBankTransaction = (
-  id: string,
-  amount: number,
-  payee: string,
-  date = '2025-10-15',
+	id: string,
+	amount: number,
+	payee: string,
+	date = "2025-10-15",
 ): BankTransaction => ({
-  id,
-  date,
-  amount: Math.round(amount * 1000),
-  payee,
-  original_csv_row: 1,
+	id,
+	date,
+	amount: Math.round(amount * 1000),
+	payee,
+	original_csv_row: 1,
 });
 
 /**
  * Create test YNAB transaction
  */
 const createYNABTransaction = (
-  id: string,
-  amount: number,
-  payee: string,
-  date = '2025-10-15',
+	id: string,
+	amount: number,
+	payee: string,
+	date = "2025-10-15",
 ): YNABTransaction => ({
-  id,
-  date,
-  amount,
-  payee_name: payee,
-  category_name: 'General',
-  cleared: 'uncleared',
-  approved: true,
+	id,
+	date,
+	amount,
+	payee_name: payee,
+	category_name: "General",
+	cleared: "uncleared",
+	approved: true,
 });
 
 /**
  * Create test insight
  */
 const createInsight = (
-  id: string,
-  type: 'repeat_amount' | 'near_match' | 'anomaly',
-  severity: 'info' | 'warning' | 'critical',
-  title: string,
-  description: string,
+	id: string,
+	type: "repeat_amount" | "near_match" | "anomaly",
+	severity: "info" | "warning" | "critical",
+	title: string,
+	description: string,
 ): ReconciliationInsight => ({
-  id,
-  type,
-  severity,
-  title,
-  description,
+	id,
+	type,
+	severity,
+	title,
+	description,
 });
 
 /**
  * Create test execution result
  */
 const createExecutionResult = (
-  overrides?: Partial<LegacyReconciliationResult>,
+	overrides?: Partial<LegacyReconciliationResult>,
 ): LegacyReconciliationResult => ({
-  summary: {
-    transactions_created: 0,
-    transactions_updated: 0,
-    dates_adjusted: 0,
-    dry_run: true,
-  },
-  account_balance: {
-    before: {
-      balance: -899020,
-      cleared_balance: -899020,
-      uncleared_balance: 0,
-    },
-    after: {
-      balance: -899020,
-      cleared_balance: -899020,
-      uncleared_balance: 0,
-    },
-  },
-  actions_taken: [],
-  recommendations: [],
-  ...overrides,
+	summary: {
+		transactions_created: 0,
+		transactions_updated: 0,
+		dates_adjusted: 0,
+		dry_run: true,
+	},
+	account_balance: {
+		before: {
+			balance: -899020,
+			cleared_balance: -899020,
+			uncleared_balance: 0,
+		},
+		after: {
+			balance: -899020,
+			cleared_balance: -899020,
+			uncleared_balance: 0,
+		},
+	},
+	actions_taken: [],
+	recommendations: [],
+	...overrides,
 });
 
-describe('reportFormatter', () => {
-  describe('formatHumanReadableReport', () => {
-    it('should format a basic report with header and sections', () => {
-      const analysis = createTestAnalysis();
-      const options: ReportFormatterOptions = {
-        accountName: 'Checking Account',
-      };
-
-      const report = formatHumanReadableReport(analysis, options);
-
-      expect(report).toContain('Checking Account Reconciliation Report');
-      expect(report).toContain('-'.repeat(60));
-      expect(report).toContain('Balance Check');
-      expect(report).toContain('Transaction Analysis');
-      expect(report).toContain('Recommended Actions');
-    });
-
-    it('should show statement date range', () => {
-      const analysis = createTestAnalysis();
-      const report = formatHumanReadableReport(analysis);
-
-      expect(report).toContain('Statement Period: 2025-10-01 to 2025-10-31');
-    });
-
-    it('should show balanced status when no discrepancy', () => {
-      const analysis = createTestAnalysis({
-        balance_info: {
-          current_cleared: makeMoney(-921.24),
-          current_uncleared: makeMoney(0),
-          current_total: makeMoney(-921.24),
-          target_statement: makeMoney(-921.24),
-          discrepancy: makeMoney(0),
-          on_track: true,
-        },
-        summary: {
-          ...createTestAnalysis().summary,
-          discrepancy: makeMoney(0),
-        },
-      });
-
-      const report = formatHumanReadableReport(analysis);
-
-      expect(report).toContain('Balances match perfectly.');
-      expect(report).not.toContain('Discrepancy:');
-    });
-
-    it('should show discrepancy with correct direction when YNAB higher', () => {
-      const analysis = createTestAnalysis({
-        balance_info: {
-          current_cleared: makeMoney(-900.0),
-          current_uncleared: makeMoney(0),
-          current_total: makeMoney(-900.0),
-          target_statement: makeMoney(-920.0),
-          discrepancy: makeMoney(20.0), // Positive means YNAB higher
-          on_track: false,
-        },
-        summary: {
-          ...createTestAnalysis().summary,
-          discrepancy: makeMoney(20.0),
-        },
-      });
-
-      const report = formatHumanReadableReport(analysis);
-
-      expect(report).toContain('Discrepancy: $20.00');
-      expect(report).toContain('YNAB shows MORE than statement');
-    });
-
-    it('should show discrepancy with correct direction when bank higher', () => {
-      const analysis = createTestAnalysis({
-        balance_info: {
-          current_cleared: makeMoney(-920.0),
-          current_uncleared: makeMoney(0),
-          current_total: makeMoney(-920.0),
-          target_statement: makeMoney(-900.0),
-          discrepancy: makeMoney(-20.0), // Negative means bank higher
-          on_track: false,
-        },
-        summary: {
-          ...createTestAnalysis().summary,
-          discrepancy: makeMoney(-20.0),
-        },
-      });
-
-      const report = formatHumanReadableReport(analysis);
-
-      expect(report).toContain('Discrepancy: -$20.00');
-      expect(report).toContain('Statement shows MORE than YNAB');
-    });
-
-    it('should show transaction analysis counts', () => {
-      const analysis = createTestAnalysis();
-      const report = formatHumanReadableReport(analysis);
-
-      expect(report).toContain('Automatically matched:  8 of 10 transactions');
-      expect(report).toContain('Suggested matches:      1');
-      expect(report).toContain('Unmatched bank:         1');
-      expect(report).toContain('Unmatched YNAB:         3');
-    });
-
-    it('should list unmatched bank transactions', () => {
-      const analysis = createTestAnalysis({
-        unmatched_bank: [
-          createBankTransaction('bank-1', -22.22, 'EvoCarShare', '2025-10-25'),
-          createBankTransaction('bank-2', -15.0, 'Coffee Shop', '2025-10-26'),
-        ],
-      });
-
-      const report = formatHumanReadableReport(analysis);
-
-      expect(report).toContain('Missing from YNAB (bank transactions without matches):');
-      expect(report).toContain('2025-10-25');
-      expect(report).toContain('EvoCarShare');
-      expect(report).toContain('-$22.22');
-      expect(report).toContain('Coffee Shop');
-    });
-
-    it('should truncate long unmatched lists', () => {
-      const unmatchedBank: BankTransaction[] = [];
-      for (let i = 0; i < 10; i++) {
-        unmatchedBank.push(createBankTransaction(`bank-${i}`, -10.0, `Payee ${i}`, '2025-10-15'));
-      }
-
-      const analysis = createTestAnalysis({ unmatched_bank: unmatchedBank });
-      const report = formatHumanReadableReport(analysis, { maxUnmatchedToShow: 5 });
-
-      expect(report).toContain('... and 5 more');
-    });
-
-    it('should show suggested matches', () => {
-      const analysis = createTestAnalysis({
-        suggested_matches: [
-          {
-            bankTransaction: createBankTransaction('bank-1', -60.0, 'Amazon', '2025-10-20'),
-            ynabTransaction: undefined,
-            candidates: [],
-            confidence: 'medium',
-            confidenceScore: 75,
-            matchReason: 'amount_and_date_fuzzy_payee',
-            topConfidence: 75,
-          },
-        ],
-      });
-
-      const report = formatHumanReadableReport(analysis);
-
-      expect(report).toContain('Suggested matches:');
-      expect(report).toContain('Amazon');
-      expect(report).toContain('75% confidence');
-    });
-
-    it('should include insights section when insights present', () => {
-      const analysis = createTestAnalysis({
-        insights: [
-          createInsight(
-            '1',
-            'repeat_amount',
-            'critical',
-            'Repeated amount detected',
-            'Found $22.22 appearing 3 times',
-          ),
-          createInsight(
-            '2',
-            'near_match',
-            'warning',
-            'Near match found',
-            'Transaction differs by only $0.50',
-          ),
-        ],
-      });
-
-      const report = formatHumanReadableReport(analysis);
-
-      expect(report).toContain('Key Insights');
-      expect(report).toContain('[CRITICAL] Repeated amount detected');
-      expect(report).toContain('[WARN] Near match found');
-    });
-
-    it('should use correct severity icons', () => {
-      const analysis = createTestAnalysis({
-        insights: [
-          createInsight('1', 'anomaly', 'critical', 'Critical Issue', 'Critical description'),
-          createInsight('2', 'near_match', 'warning', 'Warning Issue', 'Warning description'),
-          createInsight('3', 'repeat_amount', 'info', 'Info Issue', 'Info description'),
-        ],
-      });
-
-      const report = formatHumanReadableReport(analysis);
-
-      expect(report).toContain('[CRITICAL] Critical Issue');
-      expect(report).toContain('[WARN] Warning Issue');
-      expect(report).toContain('[INFO] Info Issue');
-    });
-
-    it('should truncate insights list', () => {
-      const insights: ReconciliationInsight[] = [];
-      for (let i = 0; i < 10; i++) {
-        insights.push(createInsight(`${i}`, 'anomaly', 'info', `Insight ${i}`, `Description ${i}`));
-      }
-
-      const analysis = createTestAnalysis({ insights });
-      const report = formatHumanReadableReport(analysis, { maxInsightsToShow: 3 });
-
-      expect(report).toContain('... and 7 more insights');
-    });
-
-    it('should include execution section when execution provided', () => {
-      const analysis = createTestAnalysis();
-      const execution = createExecutionResult({
-        summary: {
-          transactions_created: 2,
-          transactions_updated: 3,
-          dates_adjusted: 1,
-          dry_run: false,
-        },
-      });
-
-      const report = formatHumanReadableReport(analysis, {}, execution);
-
-      expect(report).toContain('Execution Summary');
-      expect(report).toContain('Transactions created:  2');
-      expect(report).toContain('Transactions updated:  3');
-      expect(report).toContain('Date adjustments:      1');
-      expect(report).toContain('Changes applied to YNAB');
-    });
-
-    it('should show dry run notice when dry run enabled', () => {
-      const analysis = createTestAnalysis();
-      const execution = createExecutionResult({
-        summary: {
-          transactions_created: 0,
-          transactions_updated: 0,
-          dates_adjusted: 0,
-          dry_run: true,
-        },
-      });
-
-      const report = formatHumanReadableReport(analysis, {}, execution);
-
-      expect(report).toContain('NOTE: Dry run only - no YNAB changes were applied.');
-    });
-
-    it('should show execution recommendations', () => {
-      const analysis = createTestAnalysis();
-      const execution = createExecutionResult({
-        recommendations: [
-          'Create transaction for EvoCarShare',
-          'Review duplicate entries',
-          'Check bank fees',
-        ],
-      });
-
-      const report = formatHumanReadableReport(analysis, {}, execution);
-
-      expect(report).toContain('Recommendations:');
-      expect(report).toContain('Create transaction for EvoCarShare');
-      expect(report).toContain('Review duplicate entries');
-    });
-
-    it('should show next steps when no execution', () => {
-      const analysis = createTestAnalysis({
-        next_steps: [
-          'Create missing transaction for EvoCarShare',
-          'Mark 8 transactions as cleared',
-        ],
-      });
-
-      const report = formatHumanReadableReport(analysis);
-
-      expect(report).toContain('Recommended Actions');
-      expect(report).toContain('Create missing transaction for EvoCarShare');
-      expect(report).toContain('Mark 8 transactions as cleared');
-    });
-
-    it('should handle empty next steps gracefully', () => {
-      const analysis = createTestAnalysis({
-        next_steps: [],
-      });
-
-      const report = formatHumanReadableReport(analysis);
-
-      expect(report).toContain('No specific actions recommended');
-    });
-
-    it('should use default account name when not provided', () => {
-      const analysis = createTestAnalysis();
-      const report = formatHumanReadableReport(analysis);
-
-      expect(report).toContain('Account Reconciliation Report');
-    });
-  });
-
-  describe('formatBalanceInfo', () => {
-    it('should format balance info correctly', () => {
-      const balanceInfo = {
-        current_cleared: makeMoney(-899.02),
-        current_uncleared: makeMoney(-50.0),
-        current_total: makeMoney(-949.02),
-        target_statement: makeMoney(-921.24),
-        discrepancy: makeMoney(22.22),
-        on_track: false,
-      };
-
-      const formatted = formatBalanceInfo(balanceInfo);
-
-      expect(formatted).toContain('Current Cleared:  -$899.02');
-      expect(formatted).toContain('Current Total:    -$949.02');
-      expect(formatted).toContain('Target Statement: -$921.24');
-      expect(formatted).toContain('Discrepancy:      $22.22');
-    });
-  });
-
-  describe('formatTransactionList', () => {
-    it('should format bank transactions', () => {
-      const transactions = [
-        createBankTransaction('1', -45.23, 'Shell Gas', '2025-10-15'),
-        createBankTransaction('2', -60.0, 'Amazon', '2025-10-20'),
-      ];
-
-      const formatted = formatTransactionList(transactions);
-
-      expect(formatted).toContain('2025-10-15');
-      expect(formatted).toContain('Shell Gas');
-      expect(formatted).toContain('-$45.23');
-      expect(formatted).toContain('Amazon');
-    });
-
-    it('should format YNAB transactions', () => {
-      const transactions = [
-        createYNABTransaction('1', -45230, 'Shell', '2025-10-15'),
-        createYNABTransaction('2', -60000, 'Amazon', '2025-10-20'),
-      ];
-
-      const formatted = formatTransactionList(transactions);
-
-      expect(formatted).toContain('2025-10-15');
-      expect(formatted).toContain('Shell');
-      expect(formatted).toContain('-$45.23');
-      expect(formatted).toContain('Amazon');
-      expect(formatted).toContain('-$60.00');
-    });
-
-    it('should truncate long lists', () => {
-      const transactions: BankTransaction[] = [];
-      for (let i = 0; i < 20; i++) {
-        transactions.push(createBankTransaction(`${i}`, -10.0, `Payee ${i}`, '2025-10-15'));
-      }
-
-      const formatted = formatTransactionList(transactions, 5);
-
-      expect(formatted).toContain('... and 15 more');
-    });
-
-    it('should handle empty list', () => {
-      const formatted = formatTransactionList([]);
-      expect(formatted).toBe('');
-    });
-  });
-
-  describe('edge cases', () => {
-    it('should handle negative amounts correctly', () => {
-      const analysis = createTestAnalysis({
-        unmatched_bank: [createBankTransaction('1', -123.45, 'Test', '2025-10-15')],
-      });
-
-      const report = formatHumanReadableReport(analysis);
-      expect(report).toContain('-$123.45');
-    });
-
-    it('should handle positive amounts correctly', () => {
-      const analysis = createTestAnalysis({
-        unmatched_bank: [createBankTransaction('1', 123.45, 'Refund', '2025-10-15')],
-      });
-
-      const report = formatHumanReadableReport(analysis);
-      expect(report).toContain('+$123.45');
-    });
-
-    it('should handle long payee names gracefully', () => {
-      const longPayee = 'A'.repeat(100);
-      const analysis = createTestAnalysis({
-        unmatched_bank: [createBankTransaction('1', -10.0, longPayee, '2025-10-15')],
-      });
-
-      const report = formatHumanReadableReport(analysis);
-      // Should truncate to 40 characters
-      expect(report).toContain('A'.repeat(40));
-      expect(report).not.toContain('A'.repeat(50));
-    });
-
-    it('should handle zero discrepancy', () => {
-      const analysis = createTestAnalysis({
-        balance_info: {
-          current_cleared: makeMoney(-921.24),
-          current_uncleared: makeMoney(0),
-          current_total: makeMoney(-921.24),
-          target_statement: makeMoney(-921.24),
-          discrepancy: makeMoney(0),
-          on_track: true,
-        },
-      });
-
-      const report = formatHumanReadableReport(analysis);
-      expect(report).toContain('Balances match perfectly.');
-    });
-
-    it('should format insight evidence when available', () => {
-      const analysis = createTestAnalysis({
-        insights: [
-          {
-            id: '1',
-            type: 'repeat_amount',
-            severity: 'warning',
-            title: 'Repeated amount',
-            description: 'Found duplicates',
-            evidence: {
-              transaction_count: 3,
-            },
-          },
-        ],
-      });
-
-      const report = formatHumanReadableReport(analysis);
-      expect(report).toContain('Evidence: 3 transactions');
-    });
-  });
+describe("reportFormatter", () => {
+	describe("formatHumanReadableReport", () => {
+		it("should format a basic report with header and sections", () => {
+			const analysis = createTestAnalysis();
+			const options: ReportFormatterOptions = {
+				accountName: "Checking Account",
+			};
+
+			const report = formatHumanReadableReport(analysis, options);
+
+			expect(report).toContain("Checking Account Reconciliation Report");
+			expect(report).toContain("-".repeat(60));
+			expect(report).toContain("Balance Check");
+			expect(report).toContain("Transaction Analysis");
+			expect(report).toContain("Recommended Actions");
+		});
+
+		it("should show statement date range", () => {
+			const analysis = createTestAnalysis();
+			const report = formatHumanReadableReport(analysis);
+
+			expect(report).toContain("Statement Period: 2025-10-01 to 2025-10-31");
+		});
+
+		it("should show balanced status when no discrepancy", () => {
+			const analysis = createTestAnalysis({
+				balance_info: {
+					current_cleared: makeMoney(-921.24),
+					current_uncleared: makeMoney(0),
+					current_total: makeMoney(-921.24),
+					target_statement: makeMoney(-921.24),
+					discrepancy: makeMoney(0),
+					on_track: true,
+				},
+				summary: {
+					...createTestAnalysis().summary,
+					discrepancy: makeMoney(0),
+				},
+			});
+
+			const report = formatHumanReadableReport(analysis);
+
+			expect(report).toContain("Balances match perfectly.");
+			expect(report).not.toContain("Discrepancy:");
+		});
+
+		it("should show discrepancy with correct direction when YNAB higher", () => {
+			const analysis = createTestAnalysis({
+				balance_info: {
+					current_cleared: makeMoney(-900.0),
+					current_uncleared: makeMoney(0),
+					current_total: makeMoney(-900.0),
+					target_statement: makeMoney(-920.0),
+					discrepancy: makeMoney(20.0), // Positive means YNAB higher
+					on_track: false,
+				},
+				summary: {
+					...createTestAnalysis().summary,
+					discrepancy: makeMoney(20.0),
+				},
+			});
+
+			const report = formatHumanReadableReport(analysis);
+
+			expect(report).toContain("Discrepancy: $20.00");
+			expect(report).toContain("YNAB shows MORE than statement");
+		});
+
+		it("should show discrepancy with correct direction when bank higher", () => {
+			const analysis = createTestAnalysis({
+				balance_info: {
+					current_cleared: makeMoney(-920.0),
+					current_uncleared: makeMoney(0),
+					current_total: makeMoney(-920.0),
+					target_statement: makeMoney(-900.0),
+					discrepancy: makeMoney(-20.0), // Negative means bank higher
+					on_track: false,
+				},
+				summary: {
+					...createTestAnalysis().summary,
+					discrepancy: makeMoney(-20.0),
+				},
+			});
+
+			const report = formatHumanReadableReport(analysis);
+
+			expect(report).toContain("Discrepancy: -$20.00");
+			expect(report).toContain("Statement shows MORE than YNAB");
+		});
+
+		it("should show transaction analysis counts", () => {
+			const analysis = createTestAnalysis();
+			const report = formatHumanReadableReport(analysis);
+
+			expect(report).toContain("Automatically matched:  8 of 10 transactions");
+			expect(report).toContain("Suggested matches:      1");
+			expect(report).toContain("Unmatched bank:         1");
+			expect(report).toContain("Unmatched YNAB:         3");
+		});
+
+		it("should list unmatched bank transactions", () => {
+			const analysis = createTestAnalysis({
+				unmatched_bank: [
+					createBankTransaction("bank-1", -22.22, "EvoCarShare", "2025-10-25"),
+					createBankTransaction("bank-2", -15.0, "Coffee Shop", "2025-10-26"),
+				],
+			});
+
+			const report = formatHumanReadableReport(analysis);
+
+			expect(report).toContain(
+				"Missing from YNAB (bank transactions without matches):",
+			);
+			expect(report).toContain("2025-10-25");
+			expect(report).toContain("EvoCarShare");
+			expect(report).toContain("-$22.22");
+			expect(report).toContain("Coffee Shop");
+		});
+
+		it("should truncate long unmatched lists", () => {
+			const unmatchedBank: BankTransaction[] = [];
+			for (let i = 0; i < 10; i++) {
+				unmatchedBank.push(
+					createBankTransaction(`bank-${i}`, -10.0, `Payee ${i}`, "2025-10-15"),
+				);
+			}
+
+			const analysis = createTestAnalysis({ unmatched_bank: unmatchedBank });
+			const report = formatHumanReadableReport(analysis, {
+				maxUnmatchedToShow: 5,
+			});
+
+			expect(report).toContain("... and 5 more");
+		});
+
+		it("should show suggested matches", () => {
+			const analysis = createTestAnalysis({
+				suggested_matches: [
+					{
+						bankTransaction: createBankTransaction(
+							"bank-1",
+							-60.0,
+							"Amazon",
+							"2025-10-20",
+						),
+						ynabTransaction: undefined,
+						candidates: [],
+						confidence: "medium",
+						confidenceScore: 75,
+						matchReason: "amount_and_date_fuzzy_payee",
+						topConfidence: 75,
+					},
+				],
+			});
+
+			const report = formatHumanReadableReport(analysis);
+
+			expect(report).toContain("Suggested matches:");
+			expect(report).toContain("Amazon");
+			expect(report).toContain("75% confidence");
+		});
+
+		it("should include insights section when insights present", () => {
+			const analysis = createTestAnalysis({
+				insights: [
+					createInsight(
+						"1",
+						"repeat_amount",
+						"critical",
+						"Repeated amount detected",
+						"Found $22.22 appearing 3 times",
+					),
+					createInsight(
+						"2",
+						"near_match",
+						"warning",
+						"Near match found",
+						"Transaction differs by only $0.50",
+					),
+				],
+			});
+
+			const report = formatHumanReadableReport(analysis);
+
+			expect(report).toContain("Key Insights");
+			expect(report).toContain("[CRITICAL] Repeated amount detected");
+			expect(report).toContain("[WARN] Near match found");
+		});
+
+		it("should use correct severity icons", () => {
+			const analysis = createTestAnalysis({
+				insights: [
+					createInsight(
+						"1",
+						"anomaly",
+						"critical",
+						"Critical Issue",
+						"Critical description",
+					),
+					createInsight(
+						"2",
+						"near_match",
+						"warning",
+						"Warning Issue",
+						"Warning description",
+					),
+					createInsight(
+						"3",
+						"repeat_amount",
+						"info",
+						"Info Issue",
+						"Info description",
+					),
+				],
+			});
+
+			const report = formatHumanReadableReport(analysis);
+
+			expect(report).toContain("[CRITICAL] Critical Issue");
+			expect(report).toContain("[WARN] Warning Issue");
+			expect(report).toContain("[INFO] Info Issue");
+		});
+
+		it("should truncate insights list", () => {
+			const insights: ReconciliationInsight[] = [];
+			for (let i = 0; i < 10; i++) {
+				insights.push(
+					createInsight(
+						`${i}`,
+						"anomaly",
+						"info",
+						`Insight ${i}`,
+						`Description ${i}`,
+					),
+				);
+			}
+
+			const analysis = createTestAnalysis({ insights });
+			const report = formatHumanReadableReport(analysis, {
+				maxInsightsToShow: 3,
+			});
+
+			expect(report).toContain("... and 7 more insights");
+		});
+
+		it("should include execution section when execution provided", () => {
+			const analysis = createTestAnalysis();
+			const execution = createExecutionResult({
+				summary: {
+					transactions_created: 2,
+					transactions_updated: 3,
+					dates_adjusted: 1,
+					dry_run: false,
+				},
+			});
+
+			const report = formatHumanReadableReport(analysis, {}, execution);
+
+			expect(report).toContain("Execution Summary");
+			expect(report).toContain("Transactions created:  2");
+			expect(report).toContain("Transactions updated:  3");
+			expect(report).toContain("Date adjustments:      1");
+			expect(report).toContain("Changes applied to YNAB");
+		});
+
+		it("should show dry run notice when dry run enabled", () => {
+			const analysis = createTestAnalysis();
+			const execution = createExecutionResult({
+				summary: {
+					transactions_created: 0,
+					transactions_updated: 0,
+					dates_adjusted: 0,
+					dry_run: true,
+				},
+			});
+
+			const report = formatHumanReadableReport(analysis, {}, execution);
+
+			expect(report).toContain(
+				"NOTE: Dry run only - no YNAB changes were applied.",
+			);
+		});
+
+		it("should show execution recommendations", () => {
+			const analysis = createTestAnalysis();
+			const execution = createExecutionResult({
+				recommendations: [
+					"Create transaction for EvoCarShare",
+					"Review duplicate entries",
+					"Check bank fees",
+				],
+			});
+
+			const report = formatHumanReadableReport(analysis, {}, execution);
+
+			expect(report).toContain("Recommendations:");
+			expect(report).toContain("Create transaction for EvoCarShare");
+			expect(report).toContain("Review duplicate entries");
+		});
+
+		it("should show next steps when no execution", () => {
+			const analysis = createTestAnalysis({
+				next_steps: [
+					"Create missing transaction for EvoCarShare",
+					"Mark 8 transactions as cleared",
+				],
+			});
+
+			const report = formatHumanReadableReport(analysis);
+
+			expect(report).toContain("Recommended Actions");
+			expect(report).toContain("Create missing transaction for EvoCarShare");
+			expect(report).toContain("Mark 8 transactions as cleared");
+		});
+
+		it("should handle empty next steps gracefully", () => {
+			const analysis = createTestAnalysis({
+				next_steps: [],
+			});
+
+			const report = formatHumanReadableReport(analysis);
+
+			expect(report).toContain("No specific actions recommended");
+		});
+
+		it("should use default account name when not provided", () => {
+			const analysis = createTestAnalysis();
+			const report = formatHumanReadableReport(analysis);
+
+			expect(report).toContain("Account Reconciliation Report");
+		});
+	});
+
+	describe("formatBalanceInfo", () => {
+		it("should format balance info correctly", () => {
+			const balanceInfo = {
+				current_cleared: makeMoney(-899.02),
+				current_uncleared: makeMoney(-50.0),
+				current_total: makeMoney(-949.02),
+				target_statement: makeMoney(-921.24),
+				discrepancy: makeMoney(22.22),
+				on_track: false,
+			};
+
+			const formatted = formatBalanceInfo(balanceInfo);
+
+			expect(formatted).toContain("Current Cleared:  -$899.02");
+			expect(formatted).toContain("Current Total:    -$949.02");
+			expect(formatted).toContain("Target Statement: -$921.24");
+			expect(formatted).toContain("Discrepancy:      $22.22");
+		});
+	});
+
+	describe("formatTransactionList", () => {
+		it("should format bank transactions", () => {
+			const transactions = [
+				createBankTransaction("1", -45.23, "Shell Gas", "2025-10-15"),
+				createBankTransaction("2", -60.0, "Amazon", "2025-10-20"),
+			];
+
+			const formatted = formatTransactionList(transactions);
+
+			expect(formatted).toContain("2025-10-15");
+			expect(formatted).toContain("Shell Gas");
+			expect(formatted).toContain("-$45.23");
+			expect(formatted).toContain("Amazon");
+		});
+
+		it("should format YNAB transactions", () => {
+			const transactions = [
+				createYNABTransaction("1", -45230, "Shell", "2025-10-15"),
+				createYNABTransaction("2", -60000, "Amazon", "2025-10-20"),
+			];
+
+			const formatted = formatTransactionList(transactions);
+
+			expect(formatted).toContain("2025-10-15");
+			expect(formatted).toContain("Shell");
+			expect(formatted).toContain("-$45.23");
+			expect(formatted).toContain("Amazon");
+			expect(formatted).toContain("-$60.00");
+		});
+
+		it("should truncate long lists", () => {
+			const transactions: BankTransaction[] = [];
+			for (let i = 0; i < 20; i++) {
+				transactions.push(
+					createBankTransaction(`${i}`, -10.0, `Payee ${i}`, "2025-10-15"),
+				);
+			}
+
+			const formatted = formatTransactionList(transactions, 5);
+
+			expect(formatted).toContain("... and 15 more");
+		});
+
+		it("should handle empty list", () => {
+			const formatted = formatTransactionList([]);
+			expect(formatted).toBe("");
+		});
+	});
+
+	describe("edge cases", () => {
+		it("should handle negative amounts correctly", () => {
+			const analysis = createTestAnalysis({
+				unmatched_bank: [
+					createBankTransaction("1", -123.45, "Test", "2025-10-15"),
+				],
+			});
+
+			const report = formatHumanReadableReport(analysis);
+			expect(report).toContain("-$123.45");
+		});
+
+		it("should handle positive amounts correctly", () => {
+			const analysis = createTestAnalysis({
+				unmatched_bank: [
+					createBankTransaction("1", 123.45, "Refund", "2025-10-15"),
+				],
+			});
+
+			const report = formatHumanReadableReport(analysis);
+			expect(report).toContain("+$123.45");
+		});
+
+		it("should handle long payee names gracefully", () => {
+			const longPayee = "A".repeat(100);
+			const analysis = createTestAnalysis({
+				unmatched_bank: [
+					createBankTransaction("1", -10.0, longPayee, "2025-10-15"),
+				],
+			});
+
+			const report = formatHumanReadableReport(analysis);
+			// Should truncate to 40 characters
+			expect(report).toContain("A".repeat(40));
+			expect(report).not.toContain("A".repeat(50));
+		});
+
+		it("should handle zero discrepancy", () => {
+			const analysis = createTestAnalysis({
+				balance_info: {
+					current_cleared: makeMoney(-921.24),
+					current_uncleared: makeMoney(0),
+					current_total: makeMoney(-921.24),
+					target_statement: makeMoney(-921.24),
+					discrepancy: makeMoney(0),
+					on_track: true,
+				},
+			});
+
+			const report = formatHumanReadableReport(analysis);
+			expect(report).toContain("Balances match perfectly.");
+		});
+
+		it("should format insight evidence when available", () => {
+			const analysis = createTestAnalysis({
+				insights: [
+					{
+						id: "1",
+						type: "repeat_amount",
+						severity: "warning",
+						title: "Repeated amount",
+						description: "Found duplicates",
+						evidence: {
+							transaction_count: 3,
+						},
+					},
+				],
+			});
+
+			const report = formatHumanReadableReport(analysis);
+			expect(report).toContain("Evidence: 3 transactions");
+		});
+	});
 });