earnrate 0.2.3 → 0.2.5

package/data/categories.yaml

@@ -58,11 +58,13 @@
 - id: gas.superstore
   name: Gas at superstores and warehouse clubs
 - id: ev_charging
+  preposition: on
   name: EV charging
   aliases: [ev, charging]
   mccs: [5552]
 
 - id: transit
+  preposition: on
   name: Transit
   aliases: [public transit, train, trains, bus, commuting]
   mccs: [4111, 4112, 4131, 4784, 7523]
@@ -72,6 +74,7 @@
   mccs: [4121]
 
 - id: travel
+  preposition: on
   name: Travel
   mccs: [4722]
 - id: travel.flights
@@ -92,18 +95,22 @@
   mccs: [4411]
 
 - id: streaming
+  preposition: on
   name: Streaming services
   aliases: [streaming, subscriptions]
   mccs: [4899, 5815]
 - id: tv_internet
+  preposition: on
   name: TV and internet service
   aliases: [internet, cable]
   mccs: [4899]
 - id: phone
+  preposition: on
   name: Cell phone service
   aliases: [phone, cell phone, wireless]
   mccs: [4814]
 - id: utilities
+  preposition: on
   name: Home utilities
   aliases: [utilities, electric, electricity]
   mccs: [4900]
@@ -117,6 +124,7 @@
   aliases: [movies, movie theater]
   mccs: [7832]
 - id: entertainment
+  preposition: on
   name: Live entertainment and events
   aliases: [concerts, events, tickets]
   mccs: [7922, 7941]
@@ -146,15 +154,19 @@
   mccs: [5712]
 
 - id: online_retail
+  preposition: on
   name: Online retail
   aliases: [online shopping, shopping online, online]
 - id: office_supply
   name: Office supply stores
 - id: shipping
+  preposition: on
   name: Shipping and couriers
 - id: online_advertising
+  preposition: on
   name: Social media and search advertising
 
 - id: other
+  slug: everyday-spending
   name: Everything else
   aliases: [everything, everything else, other]

package/data/currencies.yaml

@@ -27,6 +27,8 @@
   value_cents: 1.0
   redemptions:
     sofi-account: 1.0 # SoFi Checking, Savings, Invest, the SoFi Credit Card account, loans, or SoFi Travel
+  redemption_names:
+    sofi-account: into a SoFi account
   sources:
     - https://www.sofi.com/credit-card/unlimited/
     - https://www.sofi.com/card/rewards?cardtype=c

package/data/memberships.yaml

@@ -0,0 +1,33 @@
+# Memberships that raise a card's rates (a rule's `requires.membership`) or
+# that a card can't be had without (a card's `requires_membership`). The
+# fee for one a card needs is quoted in that card's evidence.
+
+- id: amazon-prime
+  name: Amazon Prime
+  ask: I have Amazon Prime
+- id: costco
+  name: Costco membership
+  ask: I have a Costco membership
+  # Gold Star, the basic tier. Executive ($130) pays some of its cost back
+  # as Costco's own 2% reward, which earnrate doesn't model.
+  annual_fee: 65
+  members_shop_at: [costco, costco-gas, costco-travel]
+- id: bank-of-america-account
+  name: Bank of America checking or savings
+  ask: I bank with Bank of America
+- id: bank-of-america-small-business-account
+  name: Bank of America small business checking or savings
+- id: bofa-rewards-member
+  name: BofA Rewards Member
+  group: bofa-preferred-rewards
+- id: bofa-rewards-preferred-plus
+  name: BofA Rewards Preferred Plus
+  group: bofa-preferred-rewards
+- id: bofa-rewards-preferred-honors
+  name: BofA Rewards Preferred Honors
+  group: bofa-preferred-rewards
+- id: bofa-rewards-premier
+  name: BofA Rewards Premier
+  group: bofa-preferred-rewards
+- id: nordy-club-ambassador
+  name: Nordy Club Ambassador

package/data/merchants/overrides.yaml

@@ -2,15 +2,18 @@
 
 # Issuer travel portals. Each issuer's own bonuses match them by id.
 - id: chase-travel
+  kind: portal
   name: Chase Travel
   domains: [travelsecure.chase.com]
   category: travel
 - id: renowned-hotels-chase-travel
+  kind: booking
   name: Renowned Hotels and Resorts (Chase Travel)
   aliases: [renowned hotels, renowned hotels and resorts]
   category: travel
   note: Prepaid stays in the Renowned Hotels and Resorts collection for United cardmembers on Chase Travel.
 - id: costco-travel
+  kind: portal
   name: Costco Travel
   domains: [costcotravel.com]
   category: travel
@@ -25,6 +28,7 @@
   domains: [aadvantagecars.com]
   category: travel
 - id: amex-travel
+  kind: portal
   name: American Express Travel
   aliases: [amex travel]
   domains: [amextravel.com]
@@ -42,15 +46,18 @@
 # bank's own bonuses match these merchants by id. Bonuses that depend on what's
 # booked get one merchant per booking type.
 - id: amex-travel-hotels
+  kind: booking
   name: Hotel through Amex Travel
   aliases: [amex travel hotel, amex travel hotels, hotel amex travel]
   category: travel
   note: Prepaid hotels only for the Amex bonuses.
 - id: amex-travel-flights
+  kind: booking
   name: Flight through Amex Travel
   aliases: [amex travel flight, amex travel flights, flight amex travel]
   category: travel
 - id: airbnb-amex-travel
+  kind: booking
   name: Airbnb through Amex Travel
   aliases:
     [
@@ -62,18 +69,22 @@
   category: travel
   note: Prepaid Airbnb stays booked in AmexTravel.com or the Amex Travel app, with your Airbnb account linked to Amex.
 - id: amex-travel-car-rentals
+  kind: booking
   name: Car rental through Amex Travel
   aliases: [amex travel car rental, amex travel car]
   category: travel
 - id: amex-travel-cruises
+  kind: booking
   name: Cruise through Amex Travel
   aliases: [amex travel cruise]
   category: travel
 - id: usbank-travel-center
+  kind: portal
   name: U.S. Bank Travel Center
   aliases: [us bank travel center]
   category: travel
 - id: sofi-travel
+  kind: portal
   name: SoFi Travel
   category: travel
 
@@ -160,6 +171,14 @@
     may_code_as: [dining, entertainment]
     note: Restaurants inside a hotel may code as dining, or as lodging if charged to the room. Shows and casino charges code separately.
 
+- id: chipotle
+  name: Chipotle
+  aliases: [chipotle mexican grill]
+  category: dining
+  ambiguity:
+    may_code_as: [dining.fast_food]
+    note: Fast-casual chains can post as fast food (MCC 5814) instead of a restaurant (5812); a statement shows which.
+
 - id: comcast
   name: Comcast Xfinity
   aliases: [comcast, xfinity]
@@ -169,38 +188,45 @@
 # Card issuers' travel and ticketing sites (see the Amex Travel note above).
 - {
     id: capital-one-travel,
+    kind: portal,
     name: Capital One Travel,
     aliases: [capital one travel],
     category: travel,
   }
 - {
     id: capital-one-travel-hotels,
+    kind: booking,
     name: Hotel through Capital One Travel,
     aliases: [capital one travel hotel],
     category: travel,
   }
 - id: capital-one-travel-vacation-rentals
+  kind: booking
   name: Vacation rental through Capital One Travel
   aliases: [capital one travel vacation rental]
   category: travel
 - {
     id: capital-one-travel-car-rentals,
+    kind: booking,
     name: Car rental through Capital One Travel,
     aliases: [capital one travel car rental],
     category: travel,
   }
 - {
     id: capital-one-travel-flights,
+    kind: booking,
     name: Flight through Capital One Travel,
     aliases: [capital one travel flight],
     category: travel,
   }
 - id: capital-one-entertainment
+  kind: portal
   name: Capital One Entertainment
   aliases: [capital one entertainment tickets]
   category: entertainment
 - {
     id: citi-travel,
+    kind: portal,
     name: Citi Travel,
     aliases: [citi travel],
     domains: [cititravel.com],
@@ -208,42 +234,49 @@
   }
 - {
     id: citi-travel-hotels,
+    kind: booking,
     name: Hotel through Citi Travel,
     aliases: [citi travel hotel],
     category: travel,
   }
 - {
     id: citi-travel-car-rentals,
+    kind: booking,
     name: Car rental through Citi Travel,
     aliases: [citi travel car rental],
     category: travel,
   }
 - {
     id: citi-travel-attractions,
+    kind: booking,
     name: Attraction through Citi Travel,
     aliases: [citi travel attraction],
     category: travel,
   }
 - {
     id: citi-travel-flights,
+    kind: booking,
     name: Flight through Citi Travel,
     aliases: [citi travel flight],
     category: travel,
   }
 - {
     id: bilt-travel,
+    kind: portal,
     name: Bilt Travel,
     aliases: [bilt travel],
     category: travel,
   }
 - {
     id: bilt-travel-hotels,
+    kind: booking,
     name: Hotel through Bilt Travel,
     aliases: [bilt travel hotel],
     category: travel,
   }
 - {
     id: bilt-travel-flights,
+    kind: booking,
     name: Flight through Bilt Travel,
     aliases: [bilt travel flight],
     category: travel,

package/data/merchants/seed.yaml

@@ -45,12 +45,6 @@
   }
 
 # Restaurants and fast food
-- {
-    id: chipotle,
-    name: Chipotle,
-    aliases: [chipotle mexican grill],
-    category: dining,
-  }
 - { id: sweetgreen, name: Sweetgreen, category: dining }
 - {
     id: cheesecake-factory,

package/dist/cli/cheatsheet.js

@@ -6,7 +6,7 @@ import { ALL_PERSONAL_CARDS } from "../engine/explore.js";
 import { isValuationProfile, VALUATION_PROFILES, withValuationProfile, } from "../engine/profiles.js";
 import { formatCheatSheet } from "../format/cheat-sheet.js";
 import { cardList, dateProblem, valuationProblem } from "./args.js";
-import { cardsToUse, NO_WALLET_HINT, RUNTIME_ERROR, USAGE_ERROR, } from "./run.js";
+import { cardsToUse, NO_WALLET_HINT, RUNTIME_ERROR, savedSettings, USAGE_ERROR, } from "./run.js";
 const CHEATSHEET_HELP = `Usage: ${CLI_NAME} cheatsheet [options]
 
 The card to use for each everyday kind of purchase this quarter: from your
@@ -15,7 +15,7 @@ name with --cards, or else from every card earnrate knows.
 
 Options:
   --cards <ids>          Use these cards instead of your wallet, comma separated.
-  --member <name>        A membership you have, like amazon-prime. Repeatable.
+  --member <name>        A membership you have, like amazon-prime or costco. Repeatable.
   --valuation <profile>  flat or points-heavy, instead of your wallet's values.
   --date <YYYY-MM-DD>    The day to check. Default: today.
   --json                 Print the cheat sheet as JSON.
@@ -64,7 +64,7 @@ export async function runCheatSheet(argv, io) {
             memberships: values.member ?? [],
             valuations: values.valuation !== undefined && isValuationProfile(values.valuation)
                 ? VALUATION_PROFILES[values.valuation]
-                : {},
+                : (await savedSettings(io)).valuations,
         });
         io.stdout(values.json
             ? `${JSON.stringify(sheet, null, 2)}\n`

package/dist/cli/explore.js

@@ -2,19 +2,20 @@ import { parseArgs } from 'node:util';
 import { CLI_NAME } from "../brand.js";
 import { loadCatalog, walletPath } from "../data/load.js";
 import { ALL_PERSONAL_CARDS, exploreCards, findCategory, } from "../engine/explore.js";
-import { isValuationProfile, VALUATION_PROFILES, withValuationProfile, } from "../engine/profiles.js";
+import { isValuationProfile, profileText, VALUATION_PROFILES, withValuationProfile, } from "../engine/profiles.js";
 import { resolveSpendLines, simulateAdditions, simulateCatalog, spendLineFor, TYPICAL_MONTHLY_SPEND, TYPICAL_SPEND_NOTE, } from "../engine/simulate.js";
 import { formatAdditions, formatCatalogSimulation, formatExploration, } from "../format/explore.js";
 import { BOTH_CHANNELS, cardList, channelOf, dateProblem, membershipProblem, splitAmount, valuationProblem, } from "./args.js";
-import { cardsToUse, RUNTIME_ERROR, USAGE_ERROR } from "./run.js";
+import { cardsToUse, RUNTIME_ERROR, savedSettings, USAGE_ERROR, } from "./run.js";
 const FILTER_OPTIONS = `  --cash, --points        Cash back cards only, or points and miles cards only.
   --no-fee                Cards with no annual fee.
   --issuer <id>           One issuer's cards, e.g. chase or amex.
   --business              Business cards instead of personal ones.
   --closed                Include cards the issuer no longer takes applications for.
-  --member <name>         A membership you have, e.g. amazon-prime. Repeatable.
-  --valuation <profile>   flat (points at 1¢, the default) or points-heavy
-                          (MR and UR at 1.7¢).`;
+  --member <name>         A membership you have, e.g. amazon-prime or costco. Repeatable.
+  --valuation <profile>   flat (${profileText('flat')}) or points-heavy
+                          (${profileText('points-heavy')}), instead of your
+                          saved point values.`;
 const BEST_HELP = `Usage: ${CLI_NAME} best <merchant or category> [amount] [options]
 
 Ranks every card in earnrate's catalog for one purchase, not just yours. Each
@@ -67,7 +68,7 @@ const FILTER_FLAGS = {
     json: { type: 'boolean' },
     help: { type: 'boolean', short: 'h' },
 };
-function settingsFrom(values, catalog) {
+function settingsFrom(values, catalog, saved) {
     if (values.cash && values.points)
         return 'Pick --cash or --points, not both.';
     const problem = valuationProblem(values.valuation) ??
@@ -86,10 +87,10 @@ function settingsFrom(values, catalog) {
             issuer: values.issuer ?? null,
             includeClosed: values.closed ?? false,
         },
-        memberships: values.member ?? [],
+        memberships: values.member ?? saved.memberships,
         valuations: values.valuation !== undefined && isValuationProfile(values.valuation)
             ? VALUATION_PROFILES[values.valuation]
-            : {},
+            : saved.valuations,
     };
 }
 export async function runBest(argv, io) {
@@ -135,7 +136,7 @@ export async function runBest(argv, io) {
         return USAGE_ERROR;
     }
     const catalog = await loadCatalog();
-    const settings = settingsFrom(values, catalog);
+    const settings = settingsFrom(values, catalog, await savedSettings(io));
     if (typeof settings === 'string') {
         io.stderr(`${settings}\n`);
         return USAGE_ERROR;
@@ -150,7 +151,7 @@ export async function runBest(argv, io) {
     }, settings);
     io.stdout(values.json
         ? `${JSON.stringify(result, null, 2)}\n`
-        : formatExploration(result, values.all ?? false));
+        : formatExploration(result, catalog, values.all ?? false));
     return 0;
 }
 function parseSpend(catalog, args) {
@@ -195,7 +196,7 @@ export async function runSimulate(argv, io) {
         return 0;
     }
     const catalog = await loadCatalog();
-    const settings = settingsFrom(values, catalog);
+    const settings = settingsFrom(values, catalog, await savedSettings(io));
     if (typeof settings === 'string') {
         io.stderr(`${settings}\n`);
         return USAGE_ERROR;

package/dist/cli/import.js

@@ -12,6 +12,7 @@ import { cardValuation } from "../engine/valuation.js";
 import { analyzeStatement, } from "../import/analyze.js";
 import { parseStatement } from "../import/statement.js";
 import { displayPath, readWallet, RUNTIME_ERROR, USAGE_ERROR, } from "./run.js";
+import { dollarsAndCents } from "../engine/text.js";
 const IMPORT_HELP = `Usage: ${CLI_NAME} import <statement.csv> --card <card-id> [--apply]
        ${CLI_NAME} import <statement.csv>:<card-id> [<statement.csv>:<card-id> ...]
 
@@ -22,13 +23,14 @@ Reads card statements (Amex and Chase activity CSVs) and reports:
 
 Name several statements, each with its card, to see one report across them.
 
-Nothing is written unless you pass --apply, and then only cap totals plus a
-fingerprint of each recorded purchase, so importing twice never counts twice.
+Nothing is written unless you pass --apply, and then only cap totals,
+welcome-bonus spending and a fingerprint of each recorded purchase, so
+importing twice never counts twice.
 The statements themselves are never stored.
 
 Options:
   --card <id>            The card a statement is for, as in your wallet.
-  --apply                Record cap usage for the current period.
+  --apply                Record cap usage and welcome-bonus spending.
   --valuation <profile>  flat or points-heavy, instead of your wallet's values.
   -h, --help             Show this help.
 `;
@@ -43,7 +45,6 @@ const LedgerSchema = z.strictObject({
 const fingerprint = ({ cardId, line }, kind = 'cap') => createHash('sha256')
     .update(`${kind === 'bonus' ? 'bonus|' : ''}${cardId}|${line.date}|${String(line.amount)}|${line.description}`)
     .digest('hex');
-const usd = (n) => `$${n.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`;
 // "statement.csv:chase-sapphire-preferred" names the card inline.
 function splitTarget(arg) {
     const m = /^(.+):([a-z0-9]+(?:-[a-z0-9]+)*)$/.exec(arg);
@@ -76,20 +77,20 @@ function formatAnalysis(a, labelOf, valuation, categoryName) {
         several
             ? `${String(a.byCard.length)} statements (${names.join(', ')}) · ${a.from} to ${a.to}`
             : `${names[0] ?? ''} statement · ${a.from} to ${a.to}`,
-        `${String(a.purchases)} purchases, ${usd(a.spend)}${a.refunds > 0 ? ` (refunds and credits: ${usd(a.refunds)})` : ''}`,
+        `${String(a.purchases)} purchases, ${dollarsAndCents(a.spend)}${a.refunds > 0 ? ` (refunds and credits: ${dollarsAndCents(a.refunds)})` : ''}`,
         '',
     ];
     if (several) {
-        out.push(`Earned on the cards you used: about ${usd(a.earned)}`);
+        out.push(`Earned on the cards you used: about ${dollarsAndCents(a.earned)}`);
         const width = Math.max(...names.map((n) => n.length));
         for (const t of a.byCard) {
-            out.push(`  ${labelOf(t.cardId).padEnd(width)}  ${String(t.purchases).padStart(4)} × ${usd(t.spend).padStart(11)}  ${usd(t.earned)}`);
+            out.push(`  ${labelOf(t.cardId).padEnd(width)}  ${String(t.purchases).padStart(4)} × ${dollarsAndCents(t.spend).padStart(11)}  ${dollarsAndCents(t.earned)}`);
         }
     }
     else {
-        out.push(`Earned on ${names[0] ?? ''}: about ${usd(a.earned)}`);
+        out.push(`Earned on ${names[0] ?? ''}: about ${dollarsAndCents(a.earned)}`);
     }
-    out.push(`With earnrate's picks: about ${usd(a.best)} (+${usd(a.best - a.earned)})`, valuation);
+    out.push(`With earnrate's picks: about ${dollarsAndCents(a.best)} (+${dollarsAndCents(a.best - a.earned)})`, valuation);
     if (a.missed.length > 0) {
         out.push('', 'Where another card would have earned more:');
         const shown = a.missed.slice(0, 10);
@@ -98,7 +99,7 @@ function formatAnalysis(a, labelOf, valuation, categoryName) {
         const cardWidth = Math.max(...shown.map((m) => labelOf(m.usedCardId).length));
         for (const m of shown) {
             const used = several ? `${labelOf(m.usedCardId).padEnd(cardWidth)}  ` : '';
-            out.push(`  ${name(m).slice(0, width).padEnd(width)}  ${used}${String(m.count).padStart(3)} × ${usd(m.spend).padStart(10)}  ${usd(m.earned)} → ${m.bestCard} ${usd(m.best)}  (+${usd(m.best - m.earned)})`);
+            out.push(`  ${name(m).slice(0, width).padEnd(width)}  ${used}${String(m.count).padStart(3)} × ${dollarsAndCents(m.spend).padStart(10)}  ${dollarsAndCents(m.earned)} → ${m.bestCard} ${dollarsAndCents(m.best)}  (+${dollarsAndCents(m.best - m.earned)})`);
         }
         if (a.missed.length > 10)
             out.push(`  …and ${String(a.missed.length - 10)} more merchants`);
@@ -116,7 +117,7 @@ function formatAnalysis(a, labelOf, valuation, categoryName) {
         const last = new Map();
         for (const { cardId, booking } of a.bookings)
             last.set(several ? `${labelOf(cardId)} ${booking.capKey}` : booking.capKey, booking.after);
-        out.push(`Cap usage for the current period: ${[...last].map(([k, v]) => `${k} ${usd(v)}`).join(', ')}.`);
+        out.push(`Cap usage for the current period: ${[...last].map(([k, v]) => `${k} ${dollarsAndCents(v)}`).join(', ')}.`);
     }
     else if (a.alreadyImported > 0) {
         out.push(`Caps: nothing new to record. ${String(a.alreadyImported)} purchase(s) were recorded by an earlier import.`);
@@ -128,7 +129,7 @@ function formatAnalysis(a, labelOf, valuation, categoryName) {
         out.push('Caps: nothing new to record.');
     }
     for (const b of a.bonuses) {
-        out.push(`Welcome bonus on ${labelOf(b.cardId)}: ${usd(b.before)} → ${usd(b.after)} of ${usd(b.spend)}${b.deadline ? ` by ${b.deadline}` : ''}.`);
+        out.push(`Welcome bonus on ${labelOf(b.cardId)}: ${dollarsAndCents(b.before)} → ${dollarsAndCents(b.after)} of ${dollarsAndCents(b.spend)}${b.deadline ? ` by ${b.deadline}` : ''}.`);
     }
     return `${out.join('\n')}\n`;
 }

package/dist/cli/offers.js

@@ -9,7 +9,8 @@ import { cardsToUse, RUNTIME_ERROR, USAGE_ERROR } from "./run.js";
 const OFFERS_HELP = `Usage: ${CLI_NAME} offers [--cash | --points] [--no-fee] [--business] [options]
 
 Ranks the welcome offers on cards you don't have by first-year value: the
-bonus at your point values minus the first year's annual fee.
+bonus at your point values minus the first year's annual fee and any
+membership the card needs that you don't have.
 
 Options:
   --cash                 Cash back cards only.

package/dist/cli/run.js

@@ -6,7 +6,7 @@ import { CLI_NAME, CONFIG_DIR, LLM_ENV_VAR, LLM_MAX_CALLS_ENV_VAR, LLM_MODEL_ENV
 import { walletProblems } from "../data/integrity.js";
 import { loadCatalog, loadWallet, walletPath } from "../data/load.js";
 import { ALL_PERSONAL_CARDS, categoryResolution, exploreCards, findCategory, } from "../engine/explore.js";
-import { VALUATION_PROFILES, withValuationProfile } from "../engine/profiles.js";
+import { profileText, VALUATION_PROFILES, withValuationProfile, } from "../engine/profiles.js";
 import { recommend } from "../engine/recommend.js";
 import { walletFromCards } from "../engine/transient.js";
 import { formatExploration } from "../format/explore.js";
@@ -42,7 +42,8 @@ Save your cards (optional):
   ${CLI_NAME} add <card-id> [--pick ...]           Add a card you hold.
   ${CLI_NAME} update <card-id> [--pick ...]        Change picks, label or activations.
   ${CLI_NAME} remove <card-id>                     Remove a card.
-  ${CLI_NAME} memberships [names...]               Show or set memberships (amazon-prime).
+  ${CLI_NAME} memberships [names...]               Show or set memberships (amazon-prime, costco).
+  ${CLI_NAME} values [UR=1.5 ...]                  Show or set what your points are worth.
 
 Other commands:
   ${CLI_NAME} cheatsheet                           The best card for each category this quarter.
@@ -53,7 +54,8 @@ Other commands:
 
 Options:
   --online, --in-store   How you're paying. Default: inferred from the merchant.
-  --valuation <profile>  flat (points at 1¢) or points-heavy (MR and UR at 1.7¢).
+  --valuation <profile>  flat (${profileText('flat')}) or points-heavy (${profileText('points-heavy')}),
+                         instead of your saved point values.
                          Default: the values in your wallet.
   --all                  List every card, not just the top three.
   --json                 Print the full recommendation as JSON.
@@ -120,6 +122,18 @@ export async function cardsToUse(catalog, file, io, named) {
     return loaded;
 }
 export const NO_WALLET_HINT = `These are every card earnrate knows. For the best of your own cards, name them with --cards amex-gold,chase-prime-visa, or save them: ${CLI_NAME} add <card-id> (${CLI_NAME} cards finds ids).`;
+// The point values and memberships saved in the wallet, which every answer
+// uses unless --valuation or --member says otherwise. No wallet, or one that
+// can't be read, has none.
+export async function savedSettings(io) {
+    try {
+        const { valuations, memberships } = await loadWallet(walletPath(io.env));
+        return { valuations, memberships };
+    }
+    catch {
+        return { valuations: {}, memberships: [] };
+    }
+}
 export async function readWallet(file, io) {
     try {
         return await loadWallet(file);
@@ -222,7 +236,7 @@ export async function run(argv, io) {
             io.stdout(`${JSON.stringify(explored, null, 2)}\n`);
         }
         else {
-            io.stdout(`${formatExploration(explored, options.all)}\n${NO_WALLET_HINT}\n`);
+            io.stdout(`${formatExploration(explored, catalog, options.all)}\n${NO_WALLET_HINT}\n`);
         }
         for (const n of notices)
             io.stderr(`${n}\n`);

package/dist/cli/wallet.js

@@ -2,6 +2,7 @@ import { parseArgs } from 'node:util';
 import { CLI_NAME } from "../brand.js";
 import { FileWalletStore } from "../data/file-store.js";
 import { loadCatalog, loadWallet, walletPath } from "../data/load.js";
+import { isValuationProfile, profileText, VALUATION_PROFILES, } from "../engine/profiles.js";
 import { knownMemberships, searchCards } from "../engine/setup.js";
 import { formatCardInfo, formatNotes } from "../format/cards.js";
 import { displayPath, RUNTIME_ERROR, USAGE_ERROR } from "./run.js";
@@ -53,6 +54,20 @@ Removes a card from your wallet, with its tracked cap usage.
 
 With no arguments, shows your memberships and the ones earnrate knows. With
 names, replaces the list. --none clears it.
+`,
+    values: `Usage: ${CLI_NAME} values [<currency>=<cents>...] [--profile <name>]
+
+What your points are worth to you, in cents per point, saved in your wallet
+file; every answer then uses them unless you pass --valuation. With no
+arguments, shows them.
+
+Examples:
+  ${CLI_NAME} values UR=1.5 MR=1.6
+  ${CLI_NAME} values UR=default          back to earnrate's value
+  ${CLI_NAME} values --profile points-heavy
+
+Options:
+  --profile <name>       flat (${profileText('flat')}) or points-heavy (${profileText('points-heavy')}).
 `,
 };
 const HINTS = {
@@ -118,6 +133,7 @@ export async function runWalletCommand(command, argv, io) {
                 'bonus-by': { type: 'string' },
                 'no-bonus': { type: 'boolean' },
                 none: { type: 'boolean' },
+                profile: { type: 'string' },
                 help: { type: 'boolean', short: 'h' },
             },
         });
@@ -160,6 +176,32 @@ export async function runWalletCommand(command, argv, io) {
         io.stdout(`${header}${result.cards.map(formatCardInfo).join('\n')}\n`);
         return 0;
     }
+    if (command === 'values') {
+        const changes = {};
+        if (values.profile !== undefined) {
+            if (!isValuationProfile(values.profile))
+                return usage(`Unknown profile "${values.profile}". Use flat or points-heavy.`);
+            Object.assign(changes, VALUATION_PROFILES[values.profile]);
+        }
+        for (const arg of positionals) {
+            const [id, value] = arg.split('=');
+            const cents = value === 'default' ? null : Number(value);
+            if (!id ||
+                value === undefined ||
+                (cents !== null && !Number.isFinite(cents)))
+                return usage(`"${arg}" isn't <currency>=<cents>, like UR=1.5.`);
+            changes[id] = cents;
+        }
+        if (Object.keys(changes).length === 0) {
+            const held = await heldWallet(io);
+            const set = Object.entries(held?.valuations ?? {});
+            io.stdout(`${set.length > 0 ? `Yours: ${set.map(([id, v]) => `${id}=${typeof v === 'number' ? String(v) : JSON.stringify(v)}`).join(' ')}` : "Yours: earnrate's defaults"}\nCurrencies: ${catalog.currencies.map((c) => c.id).join(', ')}\n`);
+            return 0;
+        }
+        return report(await store.setValuations(changes), `Point values updated in ${where}: ${Object.entries(changes)
+            .map(([id, c]) => `${id} ${c === null ? 'back to the default' : `${String(c)}¢`}`)
+            .join(', ')}.`, null, io);
+    }
     if (command === 'memberships') {
         if (positionals.length === 0 && !values.none) {
             const held = await heldWallet(io);

package/dist/data/file-store.js

@@ -1,7 +1,7 @@
 import { bookPurchase } from "../engine/record.js";
-import { addToWallet, removeFromWallet, updateInWallet, withMemberships, } from "../engine/wallet-change.js";
+import { addToWallet, removeFromWallet, updateInWallet, withMemberships, withValuations, } from "../engine/wallet-change.js";
 import { loadWallet } from "./load.js";
-import { addCardText, commitWalletText, readWalletText, removeCardText, setMembershipsText, updateCardText, writeProgress, } from "./wallet-edit.js";
+import { addCardText, commitWalletText, readWalletText, removeCardText, setMembershipsText, setValuationsText, updateCardText, writeProgress, } from "./wallet-edit.js";
 const failed = (error) => ({ ok: false, error });
 const errorText = (e) => (e instanceof Error ? e.message : String(e));
 const queues = new Map();
@@ -76,6 +76,9 @@ export class FileWalletStore {
     setMemberships(memberships) {
         return this.change(this.existing((w) => withMemberships(this.catalog, w, memberships)), (text, change) => setMembershipsText(text ?? '', change.wallet.memberships));
     }
+    setValuations(changes) {
+        return this.change(this.existing((w) => withValuations(this.catalog, w, changes)), (text) => setValuationsText(text ?? '', changes));
+    }
     record(purchase, merchant) {
         return withWalletLock(this.where, async () => {
             const wallet = await this.load();