earnrate 0.2.0 → 0.2.2

package/dist/engine/simulate.js

@@ -1,15 +1,15 @@
 import { resolveMerchant } from "../merchants/resolve.js";
-import { evaluateCard, purchaseContext } from "./evaluate.js";
-import { categoryResolution, choicePeriod, findCategory, idealHolding, matchesFilters, } from "./explore.js";
-import { periodKey } from "./periods.js";
+import { evaluateCard, purchaseContext, usableAt } from "./evaluate.js";
+import { categoryResolution, findCategory, idealHolding, matchesFilters, } from "./explore.js";
+import { choicePeriod, periodKey } from "./periods.js";
 import { applyBooking, capBooking } from "./record.js";
 import { rotationGap } from "./rotation.js";
+import { roundCents } from "./text.js";
 import { cardValuation } from "./valuation.js";
 const EPSILON = 1e-9;
 const MONTHS = 12;
 const SHORTLIST = 8; // best single cards considered for pairs
 const PER_LINE = 2; // plus the best cards for each spending line
-const round = (n) => Math.round(n * 100) / 100;
 export function resolveSpendLines(catalog, lines) {
     return lines
         .filter((l) => l.monthly > 0)
@@ -37,17 +37,10 @@ function withCurrentPicks(card, held, date) {
         ...held,
         chosen: {
             ...held.chosen,
-            period: periodKey(choicePeriod(card), date, null) ?? '',
+            period: periodKey(choicePeriod(card) ?? 'calendar_year', date, null) ?? '',
         },
     };
 }
-function usableAt(card, merchant) {
-    if (card.only_at)
-        return (merchant.merchantId !== null && card.only_at.includes(merchant.merchantId));
-    return (card.network === 'store' ||
-        merchant.accepts === null ||
-        merchant.accepts.includes(card.network));
-}
 // Spends `lines` every month for a year. Each dollar goes to the card that
 // earns the most on it right then, so spend moves to another card once a
 // cap runs out.
@@ -119,13 +112,13 @@ export function simulateWallet(catalog, wallet, lines, start) {
         };
         return {
             label: line.label,
-            spend: round(r.spend),
-            earned: round(r.earned),
+            spend: roundCents(r.spend),
+            earned: roundCents(r.earned),
             returnPct: r.spend > 0 ? (r.earned / r.spend) * 100 : 0,
             cards: [...r.byCard].sort((a, b) => b[1] - a[1]).map(([id]) => id),
         };
     });
-    const rewards = round(lineResults.reduce((sum, l) => sum + l.earned, 0));
+    const rewards = roundCents(lineResults.reduce((sum, l) => sum + l.earned, 0));
     const annualFees = cards.reduce((sum, c) => sum + (c.card.annual_fee ?? 0), 0);
     const notes = [];
     const dates = monthDates(start);
@@ -146,10 +139,10 @@ export function simulateWallet(catalog, wallet, lines, start) {
             cardId: h.id,
             picks: h.chosen?.picks ?? {},
         })),
-        spend: round(lineResults.reduce((sum, l) => sum + l.spend, 0)),
+        spend: roundCents(lineResults.reduce((sum, l) => sum + l.spend, 0)),
         rewards,
         annualFees,
-        net: round(rewards - annualFees),
+        net: roundCents(rewards - annualFees),
         lines: lineResults,
         notes,
     };
@@ -293,14 +286,14 @@ export function simulateAdditions(catalog, wallet, lines, options) {
             memberships: wallet.memberships,
             valuations: wallet.valuations,
         });
-        const extraRewards = round(simulation.rewards - current.rewards);
+        const extraRewards = roundCents(simulation.rewards - current.rewards);
         const annualFee = card.annual_fee ?? 0;
         additions.push({
             cardId: card.id,
             picks: simulation.cards.at(-1)?.picks ?? {},
             extraRewards,
             annualFee,
-            gain: round(extraRewards - annualFee),
+            gain: roundCents(extraRewards - annualFee),
             simulation,
         });
     }

package/dist/engine/text.js

@@ -0,0 +1,53 @@
+import { singleMcc } from "./evaluate.js";
+export const num = (n) => String(Number(n.toFixed(2)));
+export const pct = (n) => `${num(n)}%`;
+export const roundCents = (n) => Math.round(n * 100) / 100;
+// Whole dollars stay whole ($2,800); anything else shows cents ($0.40).
+export const money = (n) => `$${n.toLocaleString('en-US', { minimumFractionDigits: Number.isInteger(n) ? 0 : 2, maximumFractionDigits: 2 })}`;
+export function feeText(fees) {
+    const { annualFee, firstYearFee } = fees;
+    if (annualFee === null)
+        return 'annual fee not on file';
+    if (annualFee === 0)
+        return 'no annual fee';
+    if (firstYearFee !== null && firstYearFee !== annualFee)
+        return `${money(annualFee)} annual fee (${firstYearFee === 0 ? 'waived' : money(firstYearFee)} the first year)`;
+    return `${money(annualFee)} annual fee`;
+}
+export function currencyName(catalog, id) {
+    return catalog.currencies.find((c) => c.id === id)?.name ?? id;
+}
+export function currencyLabel(catalog, id) {
+    const name = currencyName(catalog, id);
+    return /^[A-Z]{2,4}$/.test(id) ? `${name} (${id})` : name;
+}
+// Mid-sentence form: "Supermarkets" becomes "supermarkets", but "TV and
+// internet service" and "EV charging" keep their acronyms.
+export function categoryPhrase(catalog, id) {
+    const name = catalog.categories.find((c) => c.id === id)?.name ?? id;
+    return /^[A-Z]{2}/.test(name)
+        ? name
+        : name.charAt(0).toLowerCase() + name.slice(1);
+}
+export function earnText(catalog, rate, currency) {
+    return currency === 'cash'
+        ? `${num(rate)}% cash back`
+        : `${num(rate)}x ${currencyName(catalog, currency)}`;
+}
+export function codesAs(catalog, merchant) {
+    const mcc = merchant.likelyMcc ?? singleMcc(catalog, merchant.category);
+    const code = mcc === null ? '' : ` (MCC ${String(mcc)})`;
+    return `Assumes ${merchant.resolvedName} codes as ${categoryPhrase(catalog, merchant.category)}${code}.`;
+}
+// "Values points at: Membership Rewards (MR) at 1¢." for the currencies an
+// answer ranks, or null when every card shown earns cash.
+export function pointValuesText(catalog, shown) {
+    const values = new Map();
+    for (const e of shown)
+        if (e.currency !== 'cash')
+            values.set(e.currency, e.centsPerUnit);
+    if (values.size === 0)
+        return null;
+    const list = [...values].map(([id, cents]) => `${currencyLabel(catalog, id)} at ${num(cents)}¢`);
+    return `Values points at: ${list.join(', ')}.`;
+}

package/dist/engine/transient.js

@@ -1,4 +1,9 @@
 import { addToWallet, withMemberships, } from "./wallet-change.js";
+export const EMPTY_WALLET = {
+    valuations: {},
+    memberships: [],
+    cards: [],
+};
 // A wallet for one answer, from cards the user named in the conversation.
 // Nothing is saved; the same rules as adding cards to a saved wallet apply.
 export function walletFromCards(catalog, named, today) {

package/dist/engine/valuation.js

@@ -1,4 +1,4 @@
-export function currencyValuation(catalog, wallet, currencyId) {
+function currencyValuation(catalog, wallet, currencyId) {
     const currency = catalog.currencies.find((c) => c.id === currencyId);
     if (!currency)
         throw new Error(`unknown currency '${currencyId}'`);

package/dist/engine/wallet-change.js

@@ -1,8 +1,9 @@
-import { periodKey } from "./periods.js";
+import { capByKey } from "./evaluate.js";
+import { choicePeriod, periodKey } from "./periods.js";
 import { knownMemberships, searchCards, setupNotes, } from "./setup.js";
 const failed = (error) => ({ ok: false, error });
 const list = (ids) => ids.join(', ');
-export function findCatalogCard(catalog, id, today) {
+function findCatalogCard(catalog, id, today) {
     const card = catalog.cards.find((c) => c.id === id);
     if (card)
         return card;
@@ -11,27 +12,23 @@ export function findCatalogCard(catalog, id, today) {
         ? `No card '${id}' in earnrate. Closest: ${list(near)}.`
         : `No card '${id}' in earnrate. Search the catalog to find its id.`;
 }
-export function isAnniversary(text) {
+function isAnniversary(text) {
     const m = /^(\d{2})-(\d{2})$/.exec(text);
     if (!m)
         return false;
     const date = new Date(`2024-${text}T00:00:00Z`); // a leap year allows 02-29
     return (!Number.isNaN(date.getTime()) && date.toISOString().slice(5, 10) === text);
 }
-// The period key picks are filed under: the card's choice period, or for
-// picks that carry over, the current year (it's never compared).
-function pickPeriod(card, today) {
-    const periods = [
-        ...new Set(card.choices.map((c) => c.period).filter((p) => p !== 'until_changed')),
-    ];
-    if (periods.length > 1)
-        return null;
-    return periodKey(periods[0] ?? 'calendar_year', today, null);
+function pickKey(card, today) {
+    const period = choicePeriod(card);
+    return period === null ? null : periodKey(period, today, null);
 }
 export function cardFields(card, held, input, today) {
     const problems = [];
     const fields = {};
-    if (input.checkoutLabel !== undefined) {
+    if (input.checkoutLabel === null)
+        fields.checkout_label = null;
+    else if (input.checkoutLabel !== undefined) {
         if (input.checkoutLabel.trim() === '')
             problems.push('The checkout label is empty.');
         // earnrate never stores card numbers; a last four is fine.
@@ -77,7 +74,7 @@ export function cardFields(card, held, input, today) {
                 problems.push(`${choiceId} takes ${choice.pick === 1 ? '1 pick' : `1 to ${String(choice.pick)} picks`}, not ${String(picks.length)}.`);
             }
         }
-        const period = pickPeriod(card, today);
+        const period = pickKey(card, today);
         if (period === null) {
             problems.push(`${card.id} has picks on different schedules; edit the wallet by hand.`);
         }
@@ -89,6 +86,34 @@ export function cardFields(card, held, input, today) {
             };
         }
     }
+    if (input.capSpent !== undefined) {
+        const usage = { ...held?.cap_usage };
+        const anniversary = fields.anniversary ?? held?.anniversary ?? null;
+        for (const [key, spent] of Object.entries(input.capSpent)) {
+            const cap = capByKey(card, key);
+            if (!cap) {
+                const keys = [
+                    ...card.caps.map((c) => c.id),
+                    ...card.rules
+                        .filter((r) => typeof r.cap === 'object')
+                        .map((r) => r.id),
+                ];
+                problems.push(keys.length > 0
+                    ? `${card.id} has no cap '${key}'. Its caps are: ${list(keys)}.`
+                    : `${card.id} has no spending caps.`);
+                continue;
+            }
+            if (!(spent >= 0))
+                problems.push('Spending on a cap must be $0 or more.');
+            const period = periodKey(cap.period, today, anniversary);
+            if (period === null) {
+                problems.push(`The '${key}' cap resets on the card's anniversary; give the anniversary (MM-DD) too.`);
+                continue;
+            }
+            usage[key] = { period, spent };
+        }
+        fields.cap_usage = usage;
+    }
     if (input.bonus === null)
         fields.bonus = null;
     else if (input.bonus !== undefined) {
@@ -116,20 +141,22 @@ export function cardFields(card, held, input, today) {
     }
     return problems.length > 0 ? problems.join('\n') : fields;
 }
-export const newHolding = (id) => ({
+const newHolding = (id) => ({
     id,
     cap_usage: {},
     activated: [],
 });
-export const withFields = ({ bonus, ...held }, f) => ({
+const withFields = ({ bonus, checkout_label, ...held }, f) => ({
     ...held,
     ...(bonus && f.bonus === undefined ? { bonus } : {}),
-    ...(f.checkout_label === undefined
-        ? {}
-        : { checkout_label: f.checkout_label }),
+    ...(checkout_label !== undefined && f.checkout_label === undefined
+        ? { checkout_label }
+        : {}),
+    ...(f.checkout_label ? { checkout_label: f.checkout_label } : {}),
     ...(f.anniversary === undefined ? {} : { anniversary: f.anniversary }),
     ...(f.chosen === undefined ? {} : { chosen: f.chosen }),
     ...(f.activated === undefined ? {} : { activated: f.activated }),
+    ...(f.cap_usage === undefined ? {} : { cap_usage: f.cap_usage }),
     ...(f.bonus ? { bonus: f.bonus } : {}),
 });
 // `wallet` is null when there isn't one yet; adding a card starts it.

package/dist/engine/wallet-summary.js

@@ -1,8 +1,8 @@
 import { bonusStatus } from "./bonus.js";
-import { pickedCategories } from "./evaluate.js";
-import { daysBetween, periodKey } from "./periods.js";
-import { rotationGap } from "./rotation.js";
+import { capUsed, pickedCategories } from "./evaluate.js";
+import { daysBetween } from "./periods.js";
 import { STALE_AFTER_DAYS } from "./recommend.js";
+import { rotationGap } from "./rotation.js";
 import { cardValuation } from "./valuation.js";
 function capSummaries(card, held, today) {
     const caps = new Map();
@@ -19,11 +19,7 @@ function capSummaries(card, held, today) {
         }
     }
     return [...caps].map(([key, { cap, rules }]) => {
-        const currentPeriod = periodKey(cap.period, today, held.anniversary ?? null);
-        const usage = held.cap_usage[key];
-        const spent = currentPeriod !== null && usage?.period === currentPeriod
-            ? usage.spent
-            : 0;
+        const { period: currentPeriod, spent } = capUsed(cap, key, held, today);
         return {
             key,
             rules,

package/dist/format/card-text.js

@@ -0,0 +1,79 @@
+import { earnText } from "../engine/text.js";
+// Card names, fees and requirements as earnrate.dev and its static search
+// pages show them. Node-free: the site bundles it.
+const ISSUERS = {
+    amex: 'American Express',
+    'bank-of-america': 'Bank of America',
+    'capital-one': 'Capital One',
+    chase: 'Chase',
+    citi: 'Citi',
+    column: 'Bilt',
+    sofi: 'SoFi',
+    'td-bank': 'TD Bank',
+    usbank: 'U.S. Bank',
+    'wells-fargo': 'Wells Fargo',
+};
+export const MEMBERSHIPS = {
+    'amazon-prime': 'Amazon Prime',
+    'bank-of-america-account': 'Bank of America checking or savings',
+    'bofa-rewards-member': 'BofA Rewards Member',
+    'bofa-rewards-preferred-plus': 'BofA Rewards Preferred Plus',
+    'bofa-rewards-preferred-honors': 'BofA Rewards Preferred Honors',
+    'bofa-rewards-premier': 'BofA Rewards Premier',
+};
+export const PICK_PERIODS = {
+    month: 'each month',
+    quarter: 'each quarter',
+    calendar_year: 'each year',
+    until_changed: 'until you change it',
+};
+export const CAP_PERIODS = {
+    month: 'a month',
+    quarter: 'a quarter',
+    calendar_year: 'a year',
+    cardmember_year: 'a card year',
+};
+export const words = (id) => id.replace(/[-_.]/g, ' ');
+// Whole dollars, for fees and caps.
+export const usd = (n) => `${n < 0 ? '−' : ''}$${Math.abs(Math.round(n)).toLocaleString('en-US')}`;
+export const issuerName = (id) => ISSUERS[id] ?? id;
+export const membershipName = (id) => MEMBERSHIPS[id] ?? words(id);
+export function cardText(catalog) {
+    const cards = new Map(catalog.cards.map((c) => [c.id, c]));
+    function shortName(id) {
+        const name = cards.get(id)?.name ?? id;
+        return name
+            .replace(/^American Express /, 'Amex ')
+            .replace(/^The Platinum Card from American Express$/, 'Amex Platinum')
+            .replace(/ (Visa Signature |Visa Infinite )?(Credit )?Card$/, '')
+            .replace(/ Card by /, ' by ');
+    }
+    function feeLabel(id) {
+        const card = cards.get(id);
+        const fee = card?.annual_fee;
+        if (fee === undefined)
+            return 'Annual fee not on file';
+        if (fee === 0)
+            return 'No annual fee';
+        const first = card?.first_year_fee;
+        if (first !== undefined && first !== fee)
+            return `${usd(fee)} a year (${first === 0 ? 'waived' : usd(first)} the first year)`;
+        return `${usd(fee)} a year`;
+    }
+    // `until` is the last day a time-limited rate applies, already formatted.
+    function requirementLines(cardId, r, until = null) {
+        const lines = [];
+        if (r.pick)
+            lines.push(`Pick ${r.pick.options.map(words).join(' or ')} as a bonus category (${PICK_PERIODS[r.pick.period]})`);
+        if (r.activation !== null)
+            lines.push(`Activate the bonus with ${issuerName(cards.get(cardId)?.issuer ?? '')} (free)`);
+        if (r.membership !== null)
+            lines.push(`With ${membershipName(r.membership)}`);
+        if (until !== null)
+            lines.push(`This rate runs through ${until}`);
+        if (r.cap)
+            lines.push(`Up to ${usd(r.cap.amount)} of spending ${CAP_PERIODS[r.cap.period] ?? ''}, then ${earnText(catalog, r.cap.thenRate, r.cap.currency)}`);
+        return lines;
+    }
+    return { cards, shortName, feeLabel, requirementLines };
+}

package/dist/format/cheat-sheet.js

@@ -1,4 +1,4 @@
-const pct = (n) => `${String(Number(n.toFixed(2)))}%`;
+import { pct } from "../engine/text.js";
 export function formatCheatSheet(sheet) {
     const labelWidth = Math.max(...sheet.rows.map((r) => r.label.length));
     const cardWidth = Math.max(...sheet.rows.map((r) => (r.cardName ?? 'none of your cards').length));

package/dist/format/explore.js

@@ -1,15 +1,5 @@
-const usd = (n) => `$${n.toLocaleString('en-US', { minimumFractionDigits: Number.isInteger(n) ? 0 : 2, maximumFractionDigits: 2 })}`;
-const wholeUsd = (n) => usd(Math.round(n));
-const pct = (n) => `${String(Number(n.toFixed(2)))}%`;
-function feeText(e) {
-    if (e.annualFee === null)
-        return 'annual fee not on file';
-    if (e.annualFee === 0)
-        return 'no annual fee';
-    if (e.firstYearFee !== null && e.firstYearFee !== e.annualFee)
-        return `${usd(e.annualFee)} annual fee (${e.firstYearFee === 0 ? 'waived' : usd(e.firstYearFee)} the first year)`;
-    return `${usd(e.annualFee)} annual fee`;
-}
+import { feeText, money, pct } from "../engine/text.js";
+const wholeUsd = (n) => money(Math.round(n));
 const TOP_BEST = 10;
 export function formatExploration(r, all) {
     const m = r.merchant;
@@ -24,7 +14,7 @@ export function formatExploration(r, all) {
     const width = Math.max(...shown.map((e) => e.cardName.length));
     const lines = [`Best cards for ${title}:`, ''];
     shown.forEach((e, i) => {
-        const earned = e.earned === null ? '' : `  ${usd(e.earned)}`;
+        const earned = e.earned === null ? '' : `  ${money(e.earned)}`;
         lines.push(`${String(i + 1).padStart(2)}. ${e.cardName.padEnd(width)}  ${pct(e.effectiveReturnPct).padStart(5)}${earned}  ${feeText(e)}`);
         for (const c of e.conditions)
             lines.push(`    ${c}`);

package/dist/format/offers.js

@@ -1,19 +1,17 @@
+import { feeText, money } from "../engine/text.js";
 const TOP = 10;
-const usd = (n) => `$${n.toLocaleString('en-US', { minimumFractionDigits: Number.isInteger(n) ? 0 : 2, maximumFractionDigits: 2 })}`;
 function reward(o, currencyName) {
-    if (o.dollars !== null)
-        return usd(o.dollars);
-    return `${(o.points ?? 0).toLocaleString('en-US')} ${currencyName}`;
-}
-function feeText(o) {
-    if (o.annualFee === null)
-        return 'annual fee not on file';
-    if (o.annualFee === 0)
-        return 'no annual fee';
-    if (o.firstYearFee !== null && o.firstYearFee !== o.annualFee)
-        return `${usd(o.annualFee)} annual fee (${o.firstYearFee === 0 ? 'waived' : usd(o.firstYearFee)} the first year)`;
-    return `${usd(o.annualFee)} annual fee`;
+    const amount = o.dollars !== null
+        ? money(o.dollars)
+        : `${(o.points ?? 0).toLocaleString('en-US')} ${currencyName}`;
+    return o.varies ? `Up to ${amount}` : amount;
 }
+const asOf = (date) => new Date(`${date}T12:00:00Z`).toLocaleDateString('en-US', {
+    month: 'short',
+    day: 'numeric',
+    year: 'numeric',
+    timeZone: 'UTC',
+});
 export function formatOffers(c, currencyName, all) {
     if (c.offers.length === 0) {
         return `No published welcome offers match.${c.withoutOffer.length > 0 ? ` ${String(c.withoutOffer.length)} matching card(s) have none on file.` : ''}\n`;
@@ -23,13 +21,12 @@ export function formatOffers(c, currencyName, all) {
     const lines = [];
     shown.forEach((o, i) => {
         const weeks = (o.months * 52) / 12;
-        const pace = o.spend > 0 ? ` (about ${usd(Math.round(o.spend / weeks))} a week)` : '';
+        const pace = o.spend > 0 ? ` (about ${money(Math.round(o.spend / weeks))} a week)` : '';
         const spend = o.spend > 0
-            ? `after ${usd(o.spend)} in ${String(o.months)} month${o.months === 1 ? '' : 's'}${pace}`
+            ? `after ${money(o.spend)} in ${String(o.months)} month${o.months === 1 ? '' : 's'}${pace}`
             : 'with no spending required';
-        lines.push(`${String(i + 1).padStart(2)}. ${o.cardName.padEnd(width)}  about ${usd(Math.round(o.firstYearValue))} the first year`, `    ${reward(o, currencyName(o.currency))} ${spend}. ${feeText(o)[0]?.toUpperCase() ?? ''}${feeText(o).slice(1)}.${o.held ? ' In your wallet.' : ''}`);
-        if (o.validTo)
-            lines.push(`    Offer ends ${o.validTo}.`);
+        lines.push(`${String(i + 1).padStart(2)}. ${o.cardName.padEnd(width)}  about ${money(Math.round(o.firstYearValue))} the first year`, `    ${reward(o, currencyName(o.currency))} ${spend}. ${feeText(o)[0]?.toUpperCase() ?? ''}${feeText(o).slice(1)}.${o.held ? ' In your wallet.' : ''}`);
+        lines.push(`    ${o.validTo ? `Offer ends ${o.validTo}. ` : ''}Public offer as of ${asOf(o.lastVerified)}; yours may differ.`);
         if (o.note)
             lines.push(`    ${o.note}`);
     });

package/dist/{cli/format.js → format/recommendation.js}

@@ -1,11 +1,7 @@
+import { money, pct } from "../engine/text.js";
 export const plain = (_format, text) => text;
 const TOP = 3;
-const pct = (n) => `${String(Number(n.toFixed(2)))}%`;
 const cents = (n) => `$${n.toFixed(2)}`;
-const amountText = (n) => `$${n.toLocaleString('en-US', {
-    minimumFractionDigits: Number.isInteger(n) ? 0 : 2,
-    maximumFractionDigits: 2,
-})}`;
 const label = (c) => c.checkoutLabel ?? c.cardName;
 function header(rec, purchase) {
     const m = rec.merchant;
@@ -23,7 +19,7 @@ function header(rec, purchase) {
                         : m.resolvedName,
     ];
     if (purchase.amount !== null)
-        parts.push(amountText(purchase.amount));
+        parts.push(money(purchase.amount));
     if (m.channel)
         parts.push(m.channel === 'online' ? 'online' : 'in-store');
     return parts.join(' · ');

package/dist/format/wallet.js

@@ -0,0 +1,57 @@
+import { money } from "../engine/text.js";
+const NETWORKS = {
+    visa: 'Visa',
+    mastercard: 'Mastercard',
+    amex: 'American Express',
+    discover: 'Discover',
+    store: 'store card',
+};
+const words = (id) => id.replace(/[-_.]/g, ' ');
+export function formatWalletSummary(summary) {
+    const cards = summary.cards.map((c) => {
+        const lines = [
+            `- ${c.checkoutLabel ?? c.cardName} (${c.cardId}): ${NETWORKS[c.network] ?? c.network}, ${c.currency} at ${String(c.centsPerUnit)}¢. Data checked ${c.lastVerified}${c.dataIsStale ? ' (old; check the issuer)' : ''}.`,
+        ];
+        if (c.onlyAt)
+            lines.push(`  Works only at ${c.onlyAt.join(', ')}.`);
+        if (c.chosen) {
+            const picks = Object.entries(c.chosen.picks)
+                .map(([choice, options]) => `${words(choice)}: ${options.map(words).join(', ')}`)
+                .join('; ');
+            lines.push(c.chosen.current
+                ? `  Picks for ${c.chosen.period}: ${picks}. They need choosing again when the period ends.`
+                : `  Picks are for ${c.chosen.period}, which is over: ask for this period's picks.`);
+        }
+        if (c.activated.length > 0)
+            lines.push(`  Activated: ${c.activated.join(', ')}.`);
+        if (c.rotationGap !== null)
+            lines.push(`  Rotating categories for ${c.rotationGap} aren't in earnrate yet.`);
+        for (const cap of c.caps)
+            if (cap.remaining !== null)
+                lines.push(`  Cap ${cap.key}: ${money(cap.spent)} of ${money(cap.amount)} used for ${cap.currentPeriod ?? ''}.`);
+        const b = c.bonus;
+        if (b?.state === 'open' && b.spend !== null)
+            lines.push(`  Welcome bonus: ${money(b.spent)} of ${money(b.spend)} spent, due ${b.deadline ?? ''}.`);
+        else if (b)
+            lines.push(`  Welcome bonus: ${b.state}.`);
+        return lines.join('\n');
+    });
+    const memberships = summary.memberships.length > 0
+        ? `Memberships: ${summary.memberships.join(', ')}.`
+        : 'Memberships: none saved.';
+    return [...cards, memberships].join('\n');
+}
+export function formatBooking(amount, cardId, cap, bonus) {
+    const messages = [];
+    if (cap) {
+        const left = Math.max(0, cap.capAmount - cap.after);
+        messages.push(`Recorded ${money(amount)} on ${cardId} against "${cap.capKey}": ${money(cap.before)} → ${money(cap.after)} of ${money(cap.capAmount)} for ${cap.period}, ${money(left)} left.`);
+    }
+    if (bonus) {
+        const left = Math.max(0, bonus.spend - bonus.after);
+        messages.push(left === 0
+            ? `Welcome bonus spend met on ${cardId}: ${money(bonus.after)} of ${money(bonus.spend)}.`
+            : `Welcome bonus on ${cardId}: ${money(bonus.after)} of ${money(bonus.spend)} spent, ${money(left)} to go by ${bonus.deadline ?? 'the deadline'}.`);
+    }
+    return messages.join(' ');
+}

package/dist/import/analyze.js

@@ -1,11 +1,11 @@
 import { bonusStatus, countsTowardBonus } from "../engine/bonus.js";
-import { categoryMatches } from "../engine/evaluate.js";
+import { capByKey, categoryMatches } from "../engine/evaluate.js";
 import { periodKey } from "../engine/periods.js";
-import { applyBooking, capBooking } from "../engine/record.js";
 import { recommend } from "../engine/recommend.js";
+import { applyBooking, capBooking } from "../engine/record.js";
+import { roundCents } from "../engine/text.js";
 import { resolveMerchant, withCallerCategory } from "../merchants/resolve.js";
 import { cleanDescriptor } from "./statement.js";
-const round = (n) => Math.round(n * 100) / 100;
 function resolveLine(catalog, line) {
     const cleaned = cleanDescriptor(line.description);
     // "NAME-CHEAP.COM* LV0I6X": the part before the asterisk names the merchant.
@@ -30,12 +30,10 @@ function resolveLine(catalog, line) {
 function capPeriodKey(catalog, wallet, booking, date) {
     const card = catalog.cards.find((c) => c.id === booking.cardId);
     const held = wallet.cards.find((c) => c.id === booking.cardId);
-    const shared = card?.caps.find((c) => c.id === booking.capKey);
-    const inline = card?.rules.find((r) => r.id === booking.capKey)?.cap;
-    const period = shared?.period ?? (typeof inline === 'object' ? inline.period : undefined);
-    if (!period)
+    const cap = card && capByKey(card, booking.capKey);
+    if (!cap)
         return null;
-    return periodKey(period, date, held?.anniversary ?? null);
+    return periodKey(cap.period, date, held?.anniversary ?? null);
 }
 // Replays the statements twice: once on the cards actually used, once on
 // earnrate's picks, each with its own running cap usage, so a cap that fills
@@ -76,7 +74,7 @@ export function analyzeStatement(catalog, wallet, entries, today, alreadyRecorde
         if (progress &&
             countsTowardBonus(progress, line.date) &&
             !alreadyRecorded(entry, 'bonus')) {
-            progress.after = round(Math.max(0, progress.after + line.amount));
+            progress.after = roundCents(Math.max(0, progress.after + line.amount));
             progress.entries.push(entry);
         }
         const { name, merchant, known } = resolveLine(catalog, line);
@@ -96,7 +94,7 @@ export function analyzeStatement(catalog, wallet, entries, today, alreadyRecorde
                 const signed = line.amount < 0
                     ? {
                         ...booking,
-                        after: round(Math.max(0, booking.before + line.amount)),
+                        after: roundCents(Math.max(0, booking.before + line.amount)),
                     }
                     : booking;
                 bookings.push({ ...entry, booking: signed });
@@ -181,21 +179,21 @@ export function analyzeStatement(catalog, wallet, entries, today, alreadyRecorde
         from: sorted[0]?.line.date ?? '',
         to: sorted.at(-1)?.line.date ?? '',
         purchases,
-        spend: round(spend),
-        refunds: round(refunds),
-        earned: round(earned),
-        best: round(best),
+        spend: roundCents(spend),
+        refunds: roundCents(refunds),
+        earned: roundCents(earned),
+        best: roundCents(best),
         byCard: [...byCard.values()].map((t) => ({
             ...t,
-            spend: round(t.spend),
-            earned: round(t.earned),
+            spend: roundCents(t.spend),
+            earned: roundCents(t.earned),
         })),
         missed: [...missed.values()]
             .map((m) => ({
             ...m,
-            spend: round(m.spend),
-            earned: round(m.earned),
-            best: round(m.best),
+            spend: roundCents(m.spend),
+            earned: roundCents(m.earned),
+            best: roundCents(m.best),
         }))
             .sort((a, b) => b.best - b.earned - (a.best - a.earned)),
         coding: [...coding.values()].sort((a, b) => b.count - a.count),