@dizzlkheinz/ynab-mcpb 0.18.4 → 0.19.0

package/src/tools/reconciliation/reportFormatter.ts

@@ -3,421 +3,457 @@
  * Implements Phase 3 of dual-channel output improvements
  */
 
+import type { MoneyValue } from "../../utils/money.js";
+import type { LegacyReconciliationResult } from "./executor.js";
 import type {
-  ReconciliationAnalysis,
-  TransactionMatch,
-  BankTransaction,
-  YNABTransaction,
-  ReconciliationInsight,
-  BalanceInfo,
-} from './types.js';
-import type { LegacyReconciliationResult } from './executor.js';
-import type { MoneyValue } from '../../utils/money.js';
-
-const SECTION_DIVIDER = '-'.repeat(60);
+	BalanceInfo,
+	BankTransaction,
+	ReconciliationAnalysis,
+	ReconciliationInsight,
+	TransactionMatch,
+	YNABTransaction,
+} from "./types.js";
+
+const SECTION_DIVIDER = "-".repeat(60);
 
 /**
  * Options for report formatting
  */
 export interface ReportFormatterOptions {
-  accountName?: string | undefined;
-  accountId?: string | undefined;
-  currencyCode?: string | undefined;
-  includeDetailedMatches?: boolean | undefined;
-  maxUnmatchedToShow?: number | undefined;
-  maxInsightsToShow?: number | undefined;
-  notes?: string[] | undefined;
+	accountName?: string | undefined;
+	accountId?: string | undefined;
+	currencyCode?: string | undefined;
+	includeDetailedMatches?: boolean | undefined;
+	maxUnmatchedToShow?: number | undefined;
+	maxInsightsToShow?: number | undefined;
+	notes?: string[] | undefined;
 }
 
 /**
  * Format the main human-readable reconciliation report
  */
 export function formatHumanReadableReport(
-  analysis: ReconciliationAnalysis,
-  options: ReportFormatterOptions = {},
-  execution?: LegacyReconciliationResult,
+	analysis: ReconciliationAnalysis,
+	options: ReportFormatterOptions = {},
+	execution?: LegacyReconciliationResult,
 ): string {
-  const accountLabel = options.accountName ?? 'Account';
-  const sections: string[] = [];
+	const accountLabel = options.accountName ?? "Account";
+	const sections: string[] = [];
 
-  // Header
-  sections.push(formatHeader(accountLabel, analysis));
+	// Header
+	sections.push(formatHeader(accountLabel, analysis));
 
-  // Contextual notes (if provided)
-  if (options.notes && options.notes.length > 0) {
-    sections.push(formatNotesSection(options.notes));
-  }
+	// Contextual notes (if provided)
+	if (options.notes && options.notes.length > 0) {
+		sections.push(formatNotesSection(options.notes));
+	}
 
-  // Balance check section
-  sections.push(formatBalanceSection(analysis.balance_info, analysis.summary));
+	// Balance check section
+	sections.push(formatBalanceSection(analysis.balance_info, analysis.summary));
 
-  // Transaction analysis section
-  sections.push(formatTransactionAnalysisSection(analysis, options));
+	// Transaction analysis section
+	sections.push(formatTransactionAnalysisSection(analysis, options));
 
-  // Insights section (if any)
-  if (analysis.insights.length > 0) {
-    sections.push(formatInsightsSection(analysis.insights, options.maxInsightsToShow));
-  }
+	// Insights section (if any)
+	if (analysis.insights.length > 0) {
+		sections.push(
+			formatInsightsSection(analysis.insights, options.maxInsightsToShow),
+		);
+	}
 
-  // Execution summary (if any)
-  if (execution) {
-    sections.push(formatExecutionSection(execution));
-  }
+	// Execution summary (if any)
+	if (execution) {
+		sections.push(formatExecutionSection(execution));
+	}
 
-  // Recommendations/Next steps
-  sections.push(formatRecommendationsSection(analysis, execution));
+	// Recommendations/Next steps
+	sections.push(formatRecommendationsSection(analysis, execution));
 
-  return sections.join('\n\n');
+	return sections.join("\n\n");
 }
 
 /**
  * Format the report header
  */
-function formatHeader(accountName: string, analysis: ReconciliationAnalysis): string {
-  const lines: string[] = [];
-  lines.push(`${accountName} Reconciliation Report`);
-  lines.push(SECTION_DIVIDER);
-  lines.push(`Statement Period: ${analysis.summary.statement_date_range}`);
-  return lines.join('\n');
+function formatHeader(
+	accountName: string,
+	analysis: ReconciliationAnalysis,
+): string {
+	const lines: string[] = [];
+	lines.push(`${accountName} Reconciliation Report`);
+	lines.push(SECTION_DIVIDER);
+	lines.push(`Statement Period: ${analysis.summary.statement_date_range}`);
+	return lines.join("\n");
 }
 
 function formatNotesSection(notes: string[]): string {
-  const lines: string[] = [];
-  lines.push('Notes');
-  lines.push(SECTION_DIVIDER);
-  for (const note of notes) {
-    lines.push(`- ${note}`);
-  }
-  return lines.join('\n');
+	const lines: string[] = [];
+	lines.push("Notes");
+	lines.push(SECTION_DIVIDER);
+	for (const note of notes) {
+		lines.push(`- ${note}`);
+	}
+	return lines.join("\n");
 }
 
 /**
  * Format the balance check section
  */
 function formatBalanceSection(
-  balanceInfo: BalanceInfo,
-  summary: ReconciliationAnalysis['summary'],
+	balanceInfo: BalanceInfo,
+	summary: ReconciliationAnalysis["summary"],
 ): string {
-  const lines: string[] = [];
-  lines.push('Balance Check');
-  lines.push(SECTION_DIVIDER);
-
-  // Current balances
-  lines.push(`- YNAB Cleared Balance:  ${summary.current_cleared_balance.value_display}`);
-  lines.push(`- Statement Balance:     ${summary.target_statement_balance.value_display}`);
-  lines.push('');
-
-  // Discrepancy status
-  const discrepancyMilli = balanceInfo.discrepancy.value_milliunits;
-  if (discrepancyMilli === 0) {
-    lines.push('Balances match perfectly.');
-  } else {
-    const direction = discrepancyMilli > 0 ? 'ynab_higher' : 'bank_higher';
-    const directionLabel =
-      direction === 'ynab_higher'
-        ? 'YNAB shows MORE than statement'
-        : 'Statement shows MORE than YNAB';
-
-    lines.push(`Discrepancy: ${balanceInfo.discrepancy.value_display}`);
-    lines.push(`Direction: ${directionLabel}`);
-  }
-
-  return lines.join('\n');
+	const lines: string[] = [];
+	lines.push("Balance Check");
+	lines.push(SECTION_DIVIDER);
+
+	// Current balances
+	lines.push(
+		`- YNAB Cleared Balance:  ${summary.current_cleared_balance.value_display}`,
+	);
+	lines.push(
+		`- Statement Balance:     ${summary.target_statement_balance.value_display}`,
+	);
+	lines.push("");
+
+	// Discrepancy status
+	const discrepancyMilli = balanceInfo.discrepancy.value_milliunits;
+	if (discrepancyMilli === 0) {
+		lines.push("Balances match perfectly.");
+	} else {
+		const direction = discrepancyMilli > 0 ? "ynab_higher" : "bank_higher";
+		const directionLabel =
+			direction === "ynab_higher"
+				? "YNAB shows MORE than statement"
+				: "Statement shows MORE than YNAB";
+
+		lines.push(`Discrepancy: ${balanceInfo.discrepancy.value_display}`);
+		lines.push(`Direction: ${directionLabel}`);
+	}
+
+	return lines.join("\n");
 }
 
 /**
  * Format the transaction analysis section
  */
 function formatTransactionAnalysisSection(
-  analysis: ReconciliationAnalysis,
-  options: ReportFormatterOptions,
+	analysis: ReconciliationAnalysis,
+	options: ReportFormatterOptions,
 ): string {
-  const lines: string[] = [];
-  lines.push('Transaction Analysis');
-  lines.push(SECTION_DIVIDER);
-
-  const summary = analysis.summary;
-
-  // Show date range context if transactions were filtered
-  const outsideRangeCount = summary.ynab_outside_range_count ?? 0;
-  if (outsideRangeCount > 0) {
-    const inRangeCount = summary.ynab_in_range_count ?? summary.ynab_transactions_count;
-    lines.push(
-      `Comparing ${summary.bank_transactions_count} bank transactions with ${inRangeCount} YNAB transactions within statement period.`,
-    );
-    lines.push(`(${outsideRangeCount} YNAB transactions outside statement period - not compared)`);
-    lines.push('');
-  }
-
-  lines.push(
-    `- Automatically matched:  ${summary.auto_matched} of ${summary.bank_transactions_count} transactions`,
-  );
-  lines.push(`- Suggested matches:      ${summary.suggested_matches}`);
-  lines.push(`- Unmatched bank:         ${summary.unmatched_bank}`);
-  lines.push(`- Unmatched YNAB:         ${summary.unmatched_ynab}`);
-
-  // Show unmatched bank transactions (if any)
-  if (analysis.unmatched_bank.length > 0) {
-    lines.push('');
-    lines.push('Missing from YNAB (bank transactions without matches):');
-    const maxToShow = options.maxUnmatchedToShow ?? 5;
-    const toShow = analysis.unmatched_bank.slice(0, maxToShow);
-
-    for (const txn of toShow) {
-      lines.push(formatBankTransactionLine(txn));
-    }
-
-    if (analysis.unmatched_bank.length > maxToShow) {
-      lines.push(`   ... and ${analysis.unmatched_bank.length - maxToShow} more`);
-    }
-  }
-
-  // Show unmatched YNAB transactions within date range (if any)
-  if (analysis.unmatched_ynab.length > 0) {
-    lines.push('');
-    lines.push('Missing from bank statement (YNAB transactions without matches):');
-    const maxToShow = options.maxUnmatchedToShow ?? 5;
-    const toShow = analysis.unmatched_ynab.slice(0, maxToShow);
-
-    for (const txn of toShow) {
-      lines.push(formatYnabTransactionLine(txn));
-    }
-
-    if (analysis.unmatched_ynab.length > maxToShow) {
-      lines.push(`   ... and ${analysis.unmatched_ynab.length - maxToShow} more`);
-    }
-  }
-
-  // Show suggested matches (if any)
-  if (analysis.suggested_matches.length > 0) {
-    lines.push('');
-    lines.push('Suggested matches (review manually):');
-    const maxToShow = options.maxUnmatchedToShow ?? 3;
-    const toShow = analysis.suggested_matches.slice(0, maxToShow);
-
-    for (const match of toShow) {
-      lines.push(formatSuggestedMatchLine(match));
-    }
-
-    if (analysis.suggested_matches.length > maxToShow) {
-      lines.push(`   ... and ${analysis.suggested_matches.length - maxToShow} more suggestions`);
-    }
-  }
-
-  return lines.join('\n');
+	const lines: string[] = [];
+	lines.push("Transaction Analysis");
+	lines.push(SECTION_DIVIDER);
+
+	const summary = analysis.summary;
+
+	// Show date range context if transactions were filtered
+	const outsideRangeCount = summary.ynab_outside_range_count ?? 0;
+	if (outsideRangeCount > 0) {
+		const inRangeCount =
+			summary.ynab_in_range_count ?? summary.ynab_transactions_count;
+		lines.push(
+			`Comparing ${summary.bank_transactions_count} bank transactions with ${inRangeCount} YNAB transactions within statement period.`,
+		);
+		lines.push(
+			`(${outsideRangeCount} YNAB transactions outside statement period - not compared)`,
+		);
+		lines.push("");
+	}
+
+	lines.push(
+		`- Automatically matched:  ${summary.auto_matched} of ${summary.bank_transactions_count} transactions`,
+	);
+	lines.push(`- Suggested matches:      ${summary.suggested_matches}`);
+	lines.push(`- Unmatched bank:         ${summary.unmatched_bank}`);
+	lines.push(`- Unmatched YNAB:         ${summary.unmatched_ynab}`);
+
+	// Show unmatched bank transactions (if any)
+	if (analysis.unmatched_bank.length > 0) {
+		lines.push("");
+		lines.push("Missing from YNAB (bank transactions without matches):");
+		const maxToShow = options.maxUnmatchedToShow ?? 5;
+		const toShow = analysis.unmatched_bank.slice(0, maxToShow);
+
+		for (const txn of toShow) {
+			lines.push(formatBankTransactionLine(txn));
+		}
+
+		if (analysis.unmatched_bank.length > maxToShow) {
+			lines.push(
+				`   ... and ${analysis.unmatched_bank.length - maxToShow} more`,
+			);
+		}
+	}
+
+	// Show unmatched YNAB transactions within date range (if any)
+	if (analysis.unmatched_ynab.length > 0) {
+		lines.push("");
+		lines.push(
+			"Missing from bank statement (YNAB transactions without matches):",
+		);
+		const maxToShow = options.maxUnmatchedToShow ?? 5;
+		const toShow = analysis.unmatched_ynab.slice(0, maxToShow);
+
+		for (const txn of toShow) {
+			lines.push(formatYnabTransactionLine(txn));
+		}
+
+		if (analysis.unmatched_ynab.length > maxToShow) {
+			lines.push(
+				`   ... and ${analysis.unmatched_ynab.length - maxToShow} more`,
+			);
+		}
+	}
+
+	// Show suggested matches (if any)
+	if (analysis.suggested_matches.length > 0) {
+		lines.push("");
+		lines.push("Suggested matches (review manually):");
+		const maxToShow = options.maxUnmatchedToShow ?? 3;
+		const toShow = analysis.suggested_matches.slice(0, maxToShow);
+
+		for (const match of toShow) {
+			lines.push(formatSuggestedMatchLine(match));
+		}
+
+		if (analysis.suggested_matches.length > maxToShow) {
+			lines.push(
+				`   ... and ${analysis.suggested_matches.length - maxToShow} more suggestions`,
+			);
+		}
+	}
+
+	return lines.join("\n");
 }
 
 /**
  * Format a YNAB transaction line
  */
 function formatYnabTransactionLine(txn: YNABTransaction): string {
-  const amountStr = formatAmount(txn.amount);
-  const payee = txn.payee ?? 'Unknown';
-  return `   ${txn.date} - ${payee.substring(0, 40).padEnd(40)} ${amountStr}`;
+	const amountStr = formatAmount(txn.amount);
+	const payee = txn.payee ?? "Unknown";
+	return `   ${txn.date} - ${payee.substring(0, 40).padEnd(40)} ${amountStr}`;
 }
 
 /**
  * Format a bank transaction line
  */
 function formatBankTransactionLine(txn: BankTransaction): string {
-  const amountStr = formatAmount(txn.amount);
-  return `   ${txn.date} - ${txn.payee.substring(0, 40).padEnd(40)} ${amountStr}`;
+	const amountStr = formatAmount(txn.amount);
+	return `   ${txn.date} - ${txn.payee.substring(0, 40).padEnd(40)} ${amountStr}`;
 }
 
 /**
  * Format a suggested match line
  */
 function formatSuggestedMatchLine(match: TransactionMatch): string {
-  const bankTxn = match.bankTransaction;
-  const amountStr = formatAmount(bankTxn.amount);
-  const confidenceStr = `${match.confidenceScore}%`;
-  return `   ${bankTxn.date} - ${bankTxn.payee.substring(0, 35).padEnd(35)} ${amountStr} (${confidenceStr} confidence)`;
+	const bankTxn = match.bankTransaction;
+	const amountStr = formatAmount(bankTxn.amount);
+	const confidenceStr = `${match.confidenceScore}%`;
+	return `   ${bankTxn.date} - ${bankTxn.payee.substring(0, 35).padEnd(35)} ${amountStr} (${confidenceStr} confidence)`;
 }
 
 /**
  * Format an amount for display (input in milliunits)
  */
 function formatAmount(amountMilli: number): string {
-  const amount = amountMilli / 1000;
-  const sign = amount >= 0 ? '+' : '-';
-  const absAmount = Math.abs(amount);
-  return `${sign}$${absAmount.toFixed(2)}`.padStart(10);
+	const amount = amountMilli / 1000;
+	const sign = amount >= 0 ? "+" : "-";
+	const absAmount = Math.abs(amount);
+	return `${sign}$${absAmount.toFixed(2)}`.padStart(10);
 }
 
 /**
  * Format the insights section
  */
-function formatInsightsSection(insights: ReconciliationInsight[], maxToShow: number = 3): string {
-  const lines: string[] = [];
-  lines.push('Key Insights');
-  lines.push(SECTION_DIVIDER);
-
-  const toShow = insights.slice(0, maxToShow);
-  for (const insight of toShow) {
-    const severityIcon = getSeverityIcon(insight.severity);
-    lines.push(`${severityIcon} ${insight.title}`);
-    lines.push(`   ${insight.description}`);
-
-    // Show evidence summary if available
-    if (insight.evidence && Object.keys(insight.evidence).length > 0) {
-      const evidenceSummary = formatEvidenceSummary(insight.evidence);
-      if (evidenceSummary) {
-        lines.push(`   Evidence: ${evidenceSummary}`);
-      }
-    }
-
-    lines.push('');
-  }
-
-  if (insights.length > maxToShow) {
-    lines.push(`... and ${insights.length - maxToShow} more insights (see structured output)`);
-  }
-
-  return lines.join('\n').trimEnd();
+function formatInsightsSection(
+	insights: ReconciliationInsight[],
+	maxToShow = 3,
+): string {
+	const lines: string[] = [];
+	lines.push("Key Insights");
+	lines.push(SECTION_DIVIDER);
+
+	const toShow = insights.slice(0, maxToShow);
+	for (const insight of toShow) {
+		const severityIcon = getSeverityIcon(insight.severity);
+		lines.push(`${severityIcon} ${insight.title}`);
+		lines.push(`   ${insight.description}`);
+
+		// Show evidence summary if available
+		if (insight.evidence && Object.keys(insight.evidence).length > 0) {
+			const evidenceSummary = formatEvidenceSummary(insight.evidence);
+			if (evidenceSummary) {
+				lines.push(`   Evidence: ${evidenceSummary}`);
+			}
+		}
+
+		lines.push("");
+	}
+
+	if (insights.length > maxToShow) {
+		lines.push(
+			`... and ${insights.length - maxToShow} more insights (see structured output)`,
+		);
+	}
+
+	return lines.join("\n").trimEnd();
 }
 
 /**
  * Get text icon for severity level
  */
 function getSeverityIcon(severity: string): string {
-  switch (severity) {
-    case 'critical':
-      return '[CRITICAL]';
-    case 'warning':
-      return '[WARN]';
-    case 'info':
-      return '[INFO]';
-    default:
-      return '[NOTE]';
-  }
+	switch (severity) {
+		case "critical":
+			return "[CRITICAL]";
+		case "warning":
+			return "[WARN]";
+		case "info":
+			return "[INFO]";
+		default:
+			return "[NOTE]";
+	}
 }
 
 /**
  * Format evidence summary from insight evidence object
  */
-function formatEvidenceSummary(evidence: Record<string, unknown>): string | null {
-  // Handle common evidence patterns
-  if ('transaction_count' in evidence) {
-    return `${evidence['transaction_count']} transactions`;
-  }
-  if ('amount' in evidence && typeof evidence['amount'] === 'object') {
-    const amount = evidence['amount'] as MoneyValue;
-    return amount.value_display;
-  }
-  if ('transaction_ids' in evidence && Array.isArray(evidence['transaction_ids'])) {
-    return `${evidence['transaction_ids'].length} transactions involved`;
-  }
-  return null;
+function formatEvidenceSummary(
+	evidence: Record<string, unknown>,
+): string | null {
+	// Handle common evidence patterns
+	if ("transaction_count" in evidence) {
+		return `${evidence["transaction_count"]} transactions`;
+	}
+	if ("amount" in evidence && typeof evidence["amount"] === "object") {
+		const amount = evidence["amount"] as MoneyValue;
+		return amount.value_display;
+	}
+	if (
+		"transaction_ids" in evidence &&
+		Array.isArray(evidence["transaction_ids"])
+	) {
+		return `${evidence["transaction_ids"].length} transactions involved`;
+	}
+	return null;
 }
 
 /**
  * Format the execution section
  */
 function formatExecutionSection(execution: LegacyReconciliationResult): string {
-  const lines: string[] = [];
-  lines.push('Execution Summary');
-  lines.push(SECTION_DIVIDER);
-
-  const summary = execution.summary;
-  lines.push(`Transactions created:  ${summary.transactions_created}`);
-  lines.push(`Transactions updated:  ${summary.transactions_updated}`);
-  lines.push(`Date adjustments:      ${summary.dates_adjusted}`);
-
-  // Show top recommendations if any
-  if (execution.recommendations.length > 0) {
-    lines.push('');
-    lines.push('Recommendations:');
-    const maxRecs = 3;
-    const toShow = execution.recommendations.slice(0, maxRecs);
-    for (const rec of toShow) {
-      lines.push(`  - ${rec}`);
-    }
-    if (execution.recommendations.length > maxRecs) {
-      lines.push(`  ... and ${execution.recommendations.length - maxRecs} more`);
-    }
-  }
-
-  lines.push('');
-  if (summary.dry_run) {
-    lines.push('NOTE: Dry run only - no YNAB changes were applied.');
-  } else {
-    lines.push('Changes applied to YNAB. Review structured output for action details.');
-  }
-
-  return lines.join('\n');
+	const lines: string[] = [];
+	lines.push("Execution Summary");
+	lines.push(SECTION_DIVIDER);
+
+	const summary = execution.summary;
+	lines.push(`Transactions created:  ${summary.transactions_created}`);
+	lines.push(`Transactions updated:  ${summary.transactions_updated}`);
+	lines.push(`Date adjustments:      ${summary.dates_adjusted}`);
+
+	// Show top recommendations if any
+	if (execution.recommendations.length > 0) {
+		lines.push("");
+		lines.push("Recommendations:");
+		const maxRecs = 3;
+		const toShow = execution.recommendations.slice(0, maxRecs);
+		for (const rec of toShow) {
+			lines.push(`  - ${rec}`);
+		}
+		if (execution.recommendations.length > maxRecs) {
+			lines.push(
+				`  ... and ${execution.recommendations.length - maxRecs} more`,
+			);
+		}
+	}
+
+	lines.push("");
+	if (summary.dry_run) {
+		lines.push("NOTE: Dry run only - no YNAB changes were applied.");
+	} else {
+		lines.push(
+			"Changes applied to YNAB. Review structured output for action details.",
+		);
+	}
+
+	return lines.join("\n");
 }
 
 /**
  * Format the recommendations/next steps section
  */
 function formatRecommendationsSection(
-  analysis: ReconciliationAnalysis,
-  execution?: LegacyReconciliationResult,
+	analysis: ReconciliationAnalysis,
+	execution?: LegacyReconciliationResult,
 ): string {
-  const lines: string[] = [];
-  lines.push('Recommended Actions');
-  lines.push(SECTION_DIVIDER);
-
-  // If we have execution results, recommendations are already shown
-  if (execution && !execution.summary.dry_run) {
-    lines.push('All recommended actions have been applied.');
-    return lines.join('\n');
-  }
-
-  // Show next steps from analysis
-  if (analysis.next_steps.length > 0) {
-    for (const step of analysis.next_steps) {
-      lines.push(`- ${step}`);
-    }
-  } else {
-    lines.push('No specific actions recommended.');
-    lines.push('Review the structured output for detailed match information.');
-  }
-
-  return lines.join('\n');
+	const lines: string[] = [];
+	lines.push("Recommended Actions");
+	lines.push(SECTION_DIVIDER);
+
+	// If we have execution results, recommendations are already shown
+	if (execution && !execution.summary.dry_run) {
+		lines.push("All recommended actions have been applied.");
+		return lines.join("\n");
+	}
+
+	// Show next steps from analysis
+	if (analysis.next_steps.length > 0) {
+		for (const step of analysis.next_steps) {
+			lines.push(`- ${step}`);
+		}
+	} else {
+		lines.push("No specific actions recommended.");
+		lines.push("Review the structured output for detailed match information.");
+	}
+
+	return lines.join("\n");
 }
 
 /**
  * Format a balance section (helper for backward compatibility)
  */
 export function formatBalanceInfo(balance: BalanceInfo): string {
-  const lines: string[] = [];
-  lines.push(`Current Cleared:  ${balance.current_cleared.value_display}`);
-  lines.push(`Current Total:    ${balance.current_total.value_display}`);
-  lines.push(`Target Statement: ${balance.target_statement.value_display}`);
-  lines.push(`Discrepancy:      ${balance.discrepancy.value_display}`);
-  return lines.join('\n');
+	const lines: string[] = [];
+	lines.push(`Current Cleared:  ${balance.current_cleared.value_display}`);
+	lines.push(`Current Total:    ${balance.current_total.value_display}`);
+	lines.push(`Target Statement: ${balance.target_statement.value_display}`);
+	lines.push(`Discrepancy:      ${balance.discrepancy.value_display}`);
+	return lines.join("\n");
 }
 
 /**
  * Format transaction list (helper for detailed reports)
  */
-type FormattableYnabTransaction = YNABTransaction & { payee_name?: string | null };
+type FormattableYnabTransaction = YNABTransaction & {
+	payee_name?: string | null;
+};
 
 export function formatTransactionList(
-  transactions: BankTransaction[] | YNABTransaction[],
-  maxItems: number = 10,
+	transactions: BankTransaction[] | YNABTransaction[],
+	maxItems = 10,
 ): string {
-  const lines: string[] = [];
-  const toShow = transactions.slice(0, maxItems);
-
-  for (const txn of toShow) {
-    if ('cleared' in txn) {
-      // YNAB transaction (normalized)
-      const ynabTxn = txn as FormattableYnabTransaction;
-      const payee = ynabTxn.payee_name ?? ynabTxn.payee ?? 'Unknown';
-      lines.push(
-        `   ${ynabTxn.date} - ${payee.substring(0, 40).padEnd(40)} ${formatAmount(ynabTxn.amount)}`,
-      );
-    } else {
-      // Bank transaction
-      lines.push(formatBankTransactionLine(txn as BankTransaction));
-    }
-  }
-
-  if (transactions.length > maxItems) {
-    lines.push(`   ... and ${transactions.length - maxItems} more`);
-  }
-
-  return lines.join('\n');
+	const lines: string[] = [];
+	const toShow = transactions.slice(0, maxItems);
+
+	for (const txn of toShow) {
+		if ("cleared" in txn) {
+			// YNAB transaction (normalized)
+			const ynabTxn = txn as FormattableYnabTransaction;
+			const payee = ynabTxn.payee_name ?? ynabTxn.payee ?? "Unknown";
+			lines.push(
+				`   ${ynabTxn.date} - ${payee.substring(0, 40).padEnd(40)} ${formatAmount(ynabTxn.amount)}`,
+			);
+		} else {
+			// Bank transaction
+			lines.push(formatBankTransactionLine(txn as BankTransaction));
+		}
+	}
+
+	if (transactions.length > maxItems) {
+		lines.push(`   ... and ${transactions.length - maxItems} more`);
+	}
+
+	return lines.join("\n");
 }