imprnt-plugin-kopeika 0.1.0

package/kopeika.js

@@ -0,0 +1,3025 @@
+#!/usr/bin/env node
+
+// src/cli.ts
+import { existsSync as existsSync7, mkdirSync as mkdirSync2, readFileSync as readFileSync7, writeFileSync as writeFileSync2 } from "node:fs";
+import { basename as basename2, dirname as dirname2, join as join2 } from "node:path";
+import { fileURLToPath } from "node:url";
+
+// src/csv.ts
+function parseCsv(text, delimiter = ",") {
+  const rows = parseRows(text, delimiter);
+  if (rows.length === 0) {
+    throw new Error("parseCsv: empty document — no header row found");
+  }
+  const header = rows[0];
+  const headerIndex = new Map;
+  header.forEach((name, i) => {
+    if (!headerIndex.has(name))
+      headerIndex.set(name, i);
+  });
+  const records = [];
+  for (let r = 1;r < rows.length; r++) {
+    const fields = rows[r];
+    records.push({
+      fields,
+      get(column) {
+        const idx = headerIndex.get(column);
+        if (idx === undefined) {
+          throw new Error(`parseCsv: column "${column}" not present in header [${header.join(", ")}]`);
+        }
+        return fields[idx] ?? "";
+      }
+    });
+  }
+  return { header, records };
+}
+function parseRows(text, delimiter = ",") {
+  const rows = [];
+  let field = "";
+  let row = [];
+  let inQuotes = false;
+  let sawAnyChar = false;
+  const pushField = () => {
+    row.push(field);
+    field = "";
+  };
+  const pushRow = () => {
+    pushField();
+    rows.push(row);
+    row = [];
+    sawAnyChar = false;
+  };
+  for (let i = 0;i < text.length; i++) {
+    const ch = text[i];
+    if (inQuotes) {
+      if (ch === '"') {
+        const next = text[i + 1];
+        if (next === '"') {
+          field += '"';
+          i++;
+        } else {
+          inQuotes = false;
+        }
+      } else {
+        field += ch;
+      }
+      sawAnyChar = true;
+      continue;
+    }
+    if (ch === '"') {
+      inQuotes = true;
+      sawAnyChar = true;
+    } else if (ch === delimiter) {
+      pushField();
+      sawAnyChar = true;
+    } else if (ch === "\r") {
+      if (text[i + 1] === `
+`)
+        i++;
+      pushRow();
+    } else if (ch === `
+`) {
+      pushRow();
+    } else {
+      field += ch;
+      sawAnyChar = true;
+    }
+  }
+  if (sawAnyChar || field.length > 0 || row.length > 0) {
+    pushField();
+    rows.push(row);
+  }
+  return rows;
+}
+function quoteField(value) {
+  if (/[",\r\n]/.test(value)) {
+    return `"${value.replace(/"/g, '""')}"`;
+  }
+  return value;
+}
+function writeCsv(header, rows) {
+  const lines = [];
+  lines.push(header.map(quoteField).join(","));
+  for (const row of rows) {
+    lines.push(row.map(quoteField).join(","));
+  }
+  return lines.join(`
+`) + `
+`;
+}
+
+// src/tiers.ts
+import { existsSync, readFileSync } from "node:fs";
+var VALID_SCOPES = new Set(["category", "merchant"]);
+var VALID_TIERS = new Set(["mandatory", "optional"]);
+function loadTiers(path) {
+  if (!existsSync(path))
+    return { mandatoryCategories: new Set, mandatoryMerchants: [] };
+  const text = readFileSync(path, "utf8");
+  if (text.trim().length === 0)
+    return { mandatoryCategories: new Set, mandatoryMerchants: [] };
+  const { records } = parseCsv(text);
+  const mandatoryCategories = new Set;
+  const mandatoryMerchants = [];
+  records.forEach((rec, i) => {
+    const scope = rec.get("scope").trim().toLowerCase();
+    const value = rec.get("value").trim();
+    const tier = rec.get("tier").trim().toLowerCase();
+    if (scope === "" && value === "" && tier === "")
+      return;
+    if (!VALID_SCOPES.has(scope)) {
+      throw new Error(`loadTiers: row ${i + 2}: invalid scope "${scope}" (expected category|merchant)`);
+    }
+    if (!VALID_TIERS.has(tier)) {
+      throw new Error(`loadTiers: row ${i + 2}: invalid tier "${tier}" (expected mandatory|optional)`);
+    }
+    if (value === "") {
+      throw new Error(`loadTiers: row ${i + 2}: empty value`);
+    }
+    if (tier !== "mandatory")
+      return;
+    if (scope === "category")
+      mandatoryCategories.add(value.toLowerCase());
+    else
+      mandatoryMerchants.push(value.toLowerCase());
+  });
+  return { mandatoryCategories, mandatoryMerchants };
+}
+function tiersConfigured(tiers) {
+  return tiers.mandatoryCategories.size > 0 || tiers.mandatoryMerchants.length > 0;
+}
+function tierOf(tiers, category, merchantRaw) {
+  if (tiers.mandatoryCategories.has(category.toLowerCase()))
+    return "mandatory";
+  const m = merchantRaw.toLowerCase();
+  if (tiers.mandatoryMerchants.some((sub) => m.includes(sub)))
+    return "mandatory";
+  return "optional";
+}
+
+// src/analytics.ts
+var BANK_FEES_CATEGORY = "Bank fees";
+var UNCATEGORIZED_CATEGORY = "Uncategorized";
+var EXCLUDE_CATEGORY = "Exclude";
+var SAVINGS_CATEGORY = "Savings";
+var EXCLUDED_TYPES = new Set(["transfer", "exchange"]);
+function isAnalyticsExcluded(txn) {
+  if (txn.is_transfer)
+    return true;
+  if (EXCLUDED_TYPES.has(txn.type))
+    return true;
+  if (txn.category === EXCLUDE_CATEGORY)
+    return true;
+  return false;
+}
+function monthOf(isoDate) {
+  return isoDate.slice(0, 7);
+}
+function inRange(month, range) {
+  if (range.month !== undefined)
+    return month === range.month;
+  if (range.from !== undefined)
+    return month >= range.from;
+  return true;
+}
+function spendCategoryOf(txn) {
+  if (txn.type === "fee")
+    return BANK_FEES_CATEGORY;
+  if (txn.category !== "")
+    return txn.category;
+  return UNCATEGORIZED_CATEGORY;
+}
+function round2(n) {
+  const r = Math.round((n + Number.EPSILON) * 100) / 100;
+  return r === 0 ? 0 : r;
+}
+function newMonthAcc() {
+  return {
+    income: 0,
+    spend: 0,
+    invested: 0,
+    floor: 0,
+    flex: 0,
+    missingEurCount: 0,
+    categoryAmounts: new Map,
+    categoryCounts: new Map
+  };
+}
+function sortCategories(entries) {
+  return [...entries].sort((a, b) => {
+    if (b.amount !== a.amount)
+      return b.amount - a.amount;
+    return a.category < b.category ? -1 : a.category > b.category ? 1 : 0;
+  });
+}
+function finalizeCategories(amounts, counts, totalSpend) {
+  const entries = [];
+  for (const [category, amount] of amounts) {
+    const rounded = round2(amount);
+    entries.push({
+      category,
+      amount: rounded,
+      share: totalSpend > 0 ? rounded / totalSpend : 0,
+      count: counts.get(category) ?? 0
+    });
+  }
+  return sortCategories(entries);
+}
+function savingsRateOf(income, saved) {
+  return income > 0 ? saved / income : 0;
+}
+function buildReport(txs, range = {}, tiers) {
+  const splitTiers = tiers !== undefined && tiersConfigured(tiers);
+  const monthAccs = new Map;
+  const overallAmounts = new Map;
+  const overallCounts = new Map;
+  let overallIncome = 0;
+  let overallSpend = 0;
+  let overallInvested = 0;
+  let overallFloor = 0;
+  let overallFlex = 0;
+  let overallMissing = 0;
+  let overallCounted = 0;
+  let consideredRows = 0;
+  let excludedRows = 0;
+  for (const tx of txs) {
+    const month = monthOf(tx.date);
+    if (!inRange(month, range))
+      continue;
+    consideredRows += 1;
+    const getAcc = () => {
+      let a = monthAccs.get(month);
+      if (a === undefined) {
+        a = newMonthAcc();
+        monthAccs.set(month, a);
+      }
+      return a;
+    };
+    if (tx.category === SAVINGS_CATEGORY && tx.amount_eur !== null) {
+      const amt = Math.abs(tx.amount_eur);
+      getAcc().invested += amt;
+      overallInvested += amt;
+    }
+    if (isAnalyticsExcluded(tx)) {
+      excludedRows += 1;
+      continue;
+    }
+    const acc = getAcc();
+    if (tx.amount_eur === null) {
+      acc.missingEurCount += 1;
+      overallMissing += 1;
+      continue;
+    }
+    overallCounted += 1;
+    const eur = tx.amount_eur;
+    if (eur > 0) {
+      acc.income += eur;
+      overallIncome += eur;
+    } else if (eur < 0) {
+      const abs = -eur;
+      acc.spend += abs;
+      overallSpend += abs;
+      const category = spendCategoryOf(tx);
+      acc.categoryAmounts.set(category, (acc.categoryAmounts.get(category) ?? 0) + abs);
+      acc.categoryCounts.set(category, (acc.categoryCounts.get(category) ?? 0) + 1);
+      overallAmounts.set(category, (overallAmounts.get(category) ?? 0) + abs);
+      overallCounts.set(category, (overallCounts.get(category) ?? 0) + 1);
+      if (splitTiers) {
+        const tier = tierOf(tiers, category, tx.merchant_raw);
+        if (tier === "mandatory") {
+          acc.floor += abs;
+          overallFloor += abs;
+        } else {
+          acc.flex += abs;
+          overallFlex += abs;
+        }
+      }
+    }
+  }
+  const months = [...monthAccs.keys()].sort().map((month) => {
+    const acc = monthAccs.get(month);
+    const income = round2(acc.income);
+    const spend = round2(acc.spend);
+    const saved = round2(income - spend);
+    return {
+      month,
+      income,
+      spend,
+      saved,
+      savingsRate: savingsRateOf(income, saved),
+      invested: round2(acc.invested),
+      floor: splitTiers ? round2(acc.floor) : null,
+      flex: splitTiers ? round2(acc.flex) : null,
+      categories: finalizeCategories(acc.categoryAmounts, acc.categoryCounts, spend),
+      missingEurCount: acc.missingEurCount
+    };
+  });
+  const overallIncomeR = round2(overallIncome);
+  const overallSpendR = round2(overallSpend);
+  const overallSaved = round2(overallIncomeR - overallSpendR);
+  const overall = {
+    income: overallIncomeR,
+    spend: overallSpendR,
+    saved: overallSaved,
+    savingsRate: savingsRateOf(overallIncomeR, overallSaved),
+    invested: round2(overallInvested),
+    floor: splitTiers ? round2(overallFloor) : null,
+    flex: splitTiers ? round2(overallFlex) : null,
+    monthCount: months.length,
+    categories: finalizeCategories(overallAmounts, overallCounts, overallSpendR),
+    missingEurCount: overallMissing,
+    countedRows: overallCounted
+  };
+  return { months, overall, consideredRows, excludedRows };
+}
+function latestCompleteMonth(report, now = new Date) {
+  if (report.months.length === 0)
+    return null;
+  const currentMonth = `${now.getUTCFullYear()}-${String(now.getUTCMonth() + 1).padStart(2, "0")}`;
+  const complete = report.months.filter((m) => m.month < currentMonth);
+  if (complete.length > 0)
+    return complete[complete.length - 1].month;
+  return report.months[report.months.length - 1].month;
+}
+function buildSpendGroups(txs, period, tiers) {
+  const splitTiers = tiers !== undefined && tiersConfigured(tiers);
+  const byTier = new Map([
+    ["mandatory", new Map],
+    ["non-mandatory", new Map]
+  ]);
+  for (const tx of txs) {
+    if (!tx.date.startsWith(period))
+      continue;
+    if (isAnalyticsExcluded(tx))
+      continue;
+    if (tx.amount_eur === null || tx.amount_eur >= 0)
+      continue;
+    const abs = -tx.amount_eur;
+    const category = spendCategoryOf(tx);
+    const tier = splitTiers && tierOf(tiers, category, tx.merchant_raw) === "mandatory" ? "mandatory" : "non-mandatory";
+    const cats = byTier.get(tier);
+    let group = cats.get(category);
+    if (group === undefined) {
+      group = { category, total: 0, count: 0, txns: [] };
+      cats.set(category, group);
+    }
+    group.total += abs;
+    group.count += 1;
+    group.txns.push({ date: tx.date, merchant: tx.merchant_raw, eur: round2(abs), account: tx.account });
+  }
+  const tierOrder = ["mandatory", "non-mandatory"];
+  const out = [];
+  for (const tier of tierOrder) {
+    const cats = [...byTier.get(tier).values()].map((g) => ({
+      ...g,
+      total: round2(g.total),
+      txns: [...g.txns].sort((a, b) => b.eur - a.eur || (a.date < b.date ? 1 : -1))
+    }));
+    cats.sort((a, b) => b.total - a.total || (a.category < b.category ? -1 : 1));
+    const total = round2(cats.reduce((s, c) => s + c.total, 0));
+    out.push({ tier, total, categories: cats });
+  }
+  return out;
+}
+
+// src/dashboard.ts
+var LANG = "en";
+var DISPLAY = {};
+var PALETTE = {
+  green: "#18935a",
+  greenBright: "#1faf76",
+  amber: "#c2641e",
+  blue: "#3E7CA8"
+};
+var HOUSE_CAP_EUR = 2000;
+var SLIDER_DEFAULT_EUR = 1500;
+var SLIDER_DEFAULT_RUB = 20000;
+var CATEGORY_COLORS = {
+  "Rent & utilities": "#3E7CA8",
+  Subscriptions: "#7E5B9E",
+  Groceries: "#3E8E6B",
+  "Eating out": "#E07B39",
+  "Business lunch": "#C98A2B",
+  Travel: "#2C9C9C",
+  Shopping: "#C9568E",
+  Clothing: "#D6788F",
+  Commute: "#5B7C99",
+  Transport: "#5B7C99",
+  Health: "#C0392B",
+  Entertainment: "#9B59B6",
+  Gaming: "#5E5BB8",
+  Music: "#B5485D",
+  Drogerie: "#5FAE9E",
+  Cash: "#8A867A",
+  Other: "#9E988A",
+  Miscellaneous: "#A89A86",
+  Admin: "#6B7A8F",
+  PayPal: "#3B6EA5",
+  Home: "#9B6A43",
+  Household: "#B5925A",
+  Books: "#8E4A5E",
+  Sport: "#5BA37E",
+  Fitness: "#4CAF7D",
+  Fees: "#A03A3A",
+  Insurance: "#5E7E8F",
+  Phone: "#3E9C9C",
+  Kids: "#E0795B",
+  Crypto: "#C8A23E",
+  Beauty: "#D67A9E",
+  Band: "#8E5BA0",
+  Uncategorized: "#B0AA9C"
+};
+var CATEGORY_FALLBACK = ["#3E7CA8", "#E07B39", "#3E8E6B", "#9B59B6", "#C9568E", "#2C9C9C", "#C98A2B", "#5E5BB8", "#C0392B", "#5FAE9E"];
+function categoryColor(cat) {
+  const hit = CATEGORY_COLORS[cat];
+  if (hit)
+    return hit;
+  let h = 0;
+  for (let i = 0;i < cat.length; i++)
+    h = h * 31 + cat.charCodeAt(i) >>> 0;
+  return CATEGORY_FALLBACK[h % CATEGORY_FALLBACK.length];
+}
+var STRINGS = {
+  title: { en: "Where We Are", ru: "Где мы сейчас" },
+  subtitle: {
+    en: "What you've put aside, where it's heading, and where the rest goes.",
+    ru: "Сколько отложено, куда это растёт и на что уходит остальное."
+  },
+  savedSoFar: { en: "Saved so far", ru: "Накоплено" },
+  netWorth: { en: "Net worth", ru: "Чистый капитал" },
+  in1y: { en: "In 1 year", ru: "Через год" },
+  in5y: { en: "In 5 years", ru: "Через 5 лет" },
+  total: { en: "Total", ru: "Всего" },
+  tapToggle: { en: "tap to toggle", ru: "нажмите, чтобы скрыть" },
+  monthly: { en: "Monthly savings", ru: "Откладываем в месяц" },
+  eurMonthly: { en: "In euros", ru: "В евро" },
+  rubMonthly: { en: "In roubles", ru: "В рублях" },
+  whereItGoes: { en: "Where it goes", ru: "Куда уходит" },
+  spendKicker: { en: "Spending", ru: "Траты" },
+  worthKicker: { en: "kopeika", ru: "kopeika" },
+  tapCategory: { en: "Tap a category to see the transactions", ru: "Нажмите на категорию, чтобы увидеть операции" },
+  mandatory: { en: "Mandatory", ru: "Обязательные" },
+  nonMandatory: { en: "Non-mandatory", ru: "Необязательные" },
+  mandatorySub: { en: "Rent, utilities and subscriptions - owed no matter what", ru: "Аренда, коммуналка и подписки - платим всегда" },
+  flexSub: { en: "Everything else — the part you can flex", ru: "Всё остальное — здесь можно ужаться" },
+  spent: { en: "spent", ru: "потрачено" },
+  none: { en: "No spend recorded — nice and quiet.", ru: "Трат нет — тихий период." },
+  now: { en: "now", ru: "сейчас" },
+  safe: { en: "safe", ru: "запас" },
+  projected: { en: "projected", ru: "прогноз" },
+  house: { en: "House · 10M ₽", ru: "Квартира · 10М ₽" },
+  soFar: { en: "so far", ru: "пока" },
+  updated: { en: "Updated", ru: "Обновлено" },
+  theme: { en: "Theme", ru: "Тема" }
+};
+function t(key) {
+  return STRINGS[key]?.[LANG] ?? STRINGS[key]?.en ?? String(key);
+}
+var CATEGORY_RU = {
+  Rent: "Аренда",
+  "Rent & utilities": "Аренда и ЖКХ",
+  Subscriptions: "Подписки",
+  Groceries: "Продукты",
+  "Eating out": "Кафе и рестораны",
+  Drinking: "Бары",
+  Travel: "Путешествия",
+  Clothing: "Одежда",
+  Cash: "Наличные",
+  Transport: "Транспорт",
+  Commute: "Транспорт",
+  Micromobility: "Самокаты",
+  Miscellaneous: "Разное",
+  Utilities: "Коммуналка",
+  Health: "Здоровье",
+  Kids: "Дети",
+  Shopping: "Покупки",
+  Entertainment: "Развлечения",
+  Music: "Музыка",
+  Sport: "Спорт",
+  Insurance: "Страховка",
+  Phone: "Связь",
+  Home: "Дом",
+  Household: "Хозяйство",
+  Drogerie: "Дрогери",
+  Books: "Книги",
+  Gaming: "Игры",
+  Crypto: "Крипта",
+  Fitness: "Фитнес",
+  "Business lunch": "Бизнес-ланч",
+  Other: "Другое",
+  Admin: "Документы",
+  Uncategorized: "Без категории",
+  "Bank fees": "Комиссии банка"
+};
+function catName(cat) {
+  return LANG === "ru" ? CATEGORY_RU[cat] ?? cat : cat;
+}
+function accountLabel(account) {
+  return DISPLAY.accountLabels?.[account]?.[LANG] ?? account;
+}
+function merchantInfo(raw) {
+  const r = raw.toLowerCase();
+  for (const m of DISPLAY.merchantInfo ?? []) {
+    if (r.includes(m.pat.toLowerCase())) {
+      const note = (LANG === "ru" ? m.ru ?? m.en : m.en) ?? "";
+      return { name: m.name ?? raw, note };
+    }
+  }
+  return { name: raw, note: "" };
+}
+function txDate(iso) {
+  const m = /^(\d{4})-(\d{2})-(\d{2})$/.exec(iso);
+  return m ? `${m[3]}-${m[2]}-${m[1]}` : iso;
+}
+var MONTHS_LONG = {
+  en: ["January", "February", "March", "April", "May", "June", "July", "August", "September", "October", "November", "December"],
+  ru: ["январь", "февраль", "март", "апрель", "май", "июнь", "июль", "август", "сентябрь", "октябрь", "ноябрь", "декабрь"]
+};
+var MONTHS_SHORT = {
+  en: ["Jan", "Feb", "Mar", "Apr", "May", "Jun", "Jul", "Aug", "Sep", "Oct", "Nov", "Dec"],
+  ru: ["янв", "фев", "мар", "апр", "май", "июн", "июл", "авг", "сен", "окт", "ноя", "дек"]
+};
+function itemsWord(n) {
+  if (LANG === "en")
+    return n === 1 ? "item" : "items";
+  const mod10 = n % 10;
+  const mod100 = n % 100;
+  if (mod10 === 1 && mod100 !== 11)
+    return "операция";
+  if (mod10 >= 2 && mod10 <= 4 && (mod100 < 12 || mod100 > 14))
+    return "операции";
+  return "операций";
+}
+function esc(value) {
+  return value.replace(/&/g, "&amp;").replace(/</g, "&lt;").replace(/>/g, "&gt;").replace(/"/g, "&quot;").replace(/'/g, "&#39;");
+}
+function sep() {
+  return LANG === "ru" ? " " : ",";
+}
+function money(amount, symbol) {
+  const r = Math.round(amount);
+  const sign = r < 0 ? "-" : "";
+  const digits = String(Math.abs(r)).replace(/\B(?=(\d{3})+(?!\d))/g, sep());
+  return `${sign}${symbol}${digits}`;
+}
+function eur(amount) {
+  return money(amount, "€");
+}
+function rub(amount) {
+  return money(amount, "₽");
+}
+function splitMonth(month) {
+  const m = /^(\d{4})-(\d{2})$/.exec(month);
+  if (!m)
+    return null;
+  return { year: Number(m[1]), monthIndex: Number(m[2]) - 1 };
+}
+function prettyMonth(month) {
+  const parts = splitMonth(month);
+  if (parts === null)
+    return month;
+  const name = MONTHS_LONG[LANG][parts.monthIndex];
+  if (name === undefined)
+    return month;
+  const cap = LANG === "ru" ? name.charAt(0).toUpperCase() + name.slice(1) : name;
+  return `${cap} ${parts.year}`;
+}
+function periodLabel(period) {
+  if (/^\d{4}$/.test(period))
+    return `${period} ${t("soFar")}`;
+  return prettyMonth(period);
+}
+function monthsBetween(from, to) {
+  const a = splitMonth(from);
+  const b = splitMonth(to);
+  if (a === null || b === null)
+    return 0;
+  return (b.year - a.year) * 12 + (b.monthIndex - a.monthIndex);
+}
+function seriesMeta(key, fallbackLabel) {
+  const k = key.toLowerCase();
+  const ru = LANG === "ru";
+  if (k === "total")
+    return { label: t("total"), short: t("total"), color: PALETTE.green, cap: null, cur: null };
+  if (k === "trading212")
+    return { label: "EUR · Trading212 ETF", short: "Trading212", color: PALETTE.blue, cap: null, cur: "eur" };
+  if (k === "house")
+    return { label: ru ? "N26 (квартира)" : "N26 (house)", short: "N26", color: PALETTE.amber, cap: HOUSE_CAP_EUR, cur: "eur" };
+  if (k === "alfa-deposit")
+    return { label: ru ? "RUR · Альфа-Банк вклад" : "RUR · Alfa Bank", short: ru ? "Альфа-Банк" : "Alfa Bank", color: "#8A5A9E", cap: null, cur: "rub" };
+  if (k === "property")
+    return { label: ru ? "Недвижимость" : "Real estate", short: ru ? "Недвижимость" : "Real estate", color: "#9B6A43", cap: null, cur: null };
+  if (k === "bcs")
+    return { label: ru ? "RUR · БКС Инвестиции" : "RUR · BCS", short: "BCS", color: "#B84C4C", cap: null, cur: null };
+  return { label: fallbackLabel, short: fallbackLabel, color: "#7A776F", cap: null, cur: "rub" };
+}
+function savingsSection(p, series, nowMonth) {
+  const start = Math.round(p.startEur);
+  const showRub = p.rubPerEur !== null;
+  const rubAt = showRub ? p.rubPerEur : 0;
+  const maxEur = 5000;
+  const maxRub = 1e5;
+  const initEur = Math.min(SLIDER_DEFAULT_EUR, maxEur);
+  const initRub = Math.min(SLIDER_DEFAULT_RUB, maxRub);
+  const firstMonth = series.months.length > 0 ? series.months[0] : nowMonth;
+  const firstParts = splitMonth(firstMonth) ?? { year: 2020, monthIndex: 0 };
+  const nowIndex = Math.max(0, monthsBetween(firstMonth, nowMonth));
+  const idxOf = (m) => monthsBetween(firstMonth, m);
+  const histOf = (vals) => series.months.map((m, i) => [idxOf(m), Math.round(vals[i])]);
+  const nw = p.netWorth;
+  const nwBase = nw ? nw.propertyEur + nw.bcsEur : 0;
+  const netWorthStart = start + Math.round(nwBase);
+  const chartSeries = [
+    { key: "total", ...seriesMeta("total", "Total"), start: netWorthStart, hist: histOf(series.total.map((v) => v + nwBase)) }
+  ];
+  for (const line of series.lines) {
+    if (line.key === "house")
+      continue;
+    const meta = seriesMeta(line.key, line.label);
+    chartSeries.push({ key: line.key, label: meta.label, short: meta.short, color: meta.color, cap: meta.cap, cur: meta.cur, start: Math.round(line.values[line.values.length - 1] ?? 0), hist: histOf(line.values) });
+  }
+  if (nw) {
+    const flat = (v) => series.months.map((m) => [idxOf(m), Math.round(v)]);
+    const pMeta = seriesMeta("property", "Property");
+    const bMeta = seriesMeta("bcs", "BCS");
+    chartSeries.push({ key: "bcs", label: bMeta.label, short: bMeta.short, color: bMeta.color, cap: null, cur: null, start: Math.round(nw.bcsEur), hist: flat(nw.bcsEur), nw: true });
+    chartSeries.push({ key: "property", label: pMeta.label, short: pMeta.short, color: pMeta.color, cap: null, cur: null, start: Math.round(nw.propertyEur), hist: flat(nw.propertyEur), nw: true, base: Math.round(nw.propertyBaseEur), debt: Math.round(nw.propertyDebtEur), apr: nw.propertyApr, off: true });
+  }
+  const houseSeries = chartSeries.find((s) => s.cap !== null);
+  const houseStart = houseSeries?.start ?? 0;
+  const houseCap = houseSeries?.cap ?? HOUSE_CAP_EUR;
+  const chips = chartSeries.map((s) => `<button type="button" class="sv-chip ${s.key === "total" ? "sv-chip-tot" : "sv-chip-sec"}${s.off ? " off" : ""}" data-key="${esc(s.key)}" style="--c:${s.color}">` + `<span class="sv-dot"></span><span class="sv-cname">${esc(s.label)}</span> <strong>${esc(eur(s.start))}</strong></button>`).join("");
+  const eurPerRub = showRub && rubAt > 0 ? 1 / rubAt : 0.0105;
+  const initEff = initEur + initRub * eurPerRub;
+  const initVisStart = netWorthStart - (nw ? Math.round(nw.propertyEur) : 0);
+  const projEur = (mo) => initVisStart + initEff * mo;
+  const houseEur = Math.round(1e7 * eurPerRub / 100) * 100;
+  const milestones = nw ? nw.milestones : [
+    { eur: 25000, label: "25k", hero: false },
+    { eur: 50000, label: "50k", hero: false },
+    { eur: houseEur, label: "\uD83C\uDFE0 " + t("house"), hero: true }
+  ];
+  const data = {
+    nowI: nowIndex,
+    fy: firstParts.year,
+    fm: firstParts.monthIndex,
+    rub: showRub ? Number(rubAt.toFixed(4)) : 0,
+    houseStart,
+    houseCap,
+    eurPerRub: Number(eurPerRub.toFixed(6)),
+    maxRub,
+    series: chartSeries,
+    milestones,
+    sep: sep(),
+    mShort: MONTHS_SHORT[LANG],
+    sNow: t("now"),
+    sSafe: t("safe"),
+    sProj: t("projected")
+  };
+  const dataJson = JSON.stringify(data).replace(/</g, "\\u003c");
+  return `
+    <section class="card savings" aria-label="${esc(t("savedSoFar"))}">
+      <div class="sv-head">
+        <div class="sv-now">
+          <div class="sv-now-label">${esc(nw ? t("netWorth") : t("savedSoFar"))}</div>
+          <div class="sv-now-amt" id="svNowEur">${esc(eur(initVisStart))}</div>
+          ${showRub ? `<div class="sv-now-rub" id="svNowRub">${esc(rub(initVisStart * rubAt))}</div>` : ""}
+        </div>
+        <div class="sv-figs">
+          <div class="sv-fig">
+            <span class="sv-fig-label">${esc(t("in1y"))}</span>
+            <strong class="sv-fig-amt" id="svY1eur">${esc(eur(projEur(12)))}</strong>
+            ${showRub ? `<em class="sv-fig-rub" id="svY1rub">${esc(rub(projEur(12) * rubAt))}</em>` : ""}
+          </div>
+          <div class="sv-fig sv-fig-hero">
+            <span class="sv-fig-label">${esc(t("in5y"))}</span>
+            <strong class="sv-fig-amt" id="svY5eur">${esc(eur(projEur(60)))}</strong>
+            ${showRub ? `<em class="sv-fig-rub" id="svY5rub">${esc(rub(projEur(60) * rubAt))}</em>` : ""}
+          </div>
+        </div>
+      </div>
+      <div class="sv-legend">${chips}</div>
+      <div class="sv-chart-wrap">
+        <svg id="svChart" viewBox="0 0 1040 480" preserveAspectRatio="xMidYMid meet" role="img" aria-label="${esc(t("savedSoFar"))}"></svg>
+        <div id="svTip" class="sv-tip" hidden></div>
+      </div>
+      <div class="sv-rate-head">${esc(t("monthly"))}</div>
+      <div class="sv-controls">
+        <div class="sv-slider">
+          <div class="sv-control-row">
+            <span class="sv-rate-label">${esc(t("eurMonthly"))}</span>
+            <span class="sv-rate"><span id="svRateEurLabel">${esc(eur(initEur))}</span>/${LANG === "ru" ? "мес" : "mo"}</span>
+          </div>
+          <input type="range" id="svRateEur" min="0" max="${maxEur}" step="25" value="${initEur}" aria-label="${esc(t("eurMonthly"))}" />
+        </div>
+        <div class="sv-slider">
+          <div class="sv-control-row">
+            <span class="sv-rate-label">${esc(t("rubMonthly"))}</span>
+            <span class="sv-rate sv-rate-rub"><span id="svRateRubLabel">${esc(rub(initRub))}</span>/${LANG === "ru" ? "мес" : "mo"}</span>
+          </div>
+          <input type="range" id="svRateRub" min="0" max="${maxRub}" step="1000" value="${initRub}" aria-label="${esc(t("rubMonthly"))}" />
+        </div>
+      </div>
+      <script>${savingsScript(dataJson)}</script>
+    </section>`;
+}
+function savingsScript(dataJson) {
+  return `(function(){
+var D=JSON.parse(${JSON.stringify(dataJson)});
+var SH=D.mShort;
+var svg=document.getElementById('svChart'),tip=document.getElementById('svTip');
+var eurS=document.getElementById('svRateEur'),rubS=document.getElementById('svRateRub');
+var W=1040,H=480,PL=24,PR=82,PT=28,PB=38,pw=W-PL-PR,ph=H-PT-PB,narrow=false;
+function layout(){
+  var r=svg.getBoundingClientRect();
+  W=Math.max(260,Math.round(r.width)||1040); H=Math.max(220,Math.round(r.height)||480);
+  svg.setAttribute('viewBox','0 0 '+W+' '+H);
+  narrow=W<560;
+  PL=narrow?8:24; PR=narrow?12:92; PT=narrow?20:28; PB=narrow?34:38;
+  pw=W-PL-PR; ph=H-PT-PB;
+}
+var BORD='rgba(125,120,108,.28)',SOFT='rgba(120,116,104,.75)',GAP='rgba(150,145,132,.6)';
+var vis={}; D.series.forEach(function(s){vis[s.key]=!s.off;});
+var RUBN=D.series.filter(function(s){return s.cur==='rub';}).length||1;
+var pts=[], dMin=0, dMax=1, capY=-99;
+var vS=D.nowI-12, vE=D.nowI+12;
+function fmt(n){var s=Math.round(n),sg=s<0?'-':'';s=Math.abs(s);return sg+s.toString().replace(/\\B(?=(\\d{3})+(?!\\d))/g,D.sep);}
+function setText(id,t){var e=document.getElementById(id);if(e)e.textContent=t;}
+function lbl(i){var t=D.fy*12+D.fm+Math.round(i);return SH[((t%12)+12)%12]+" '"+String(Math.floor(t/12)).slice(2);}
+function xAt(i){return PL+pw*(i-vS)/((vE-vS)||1);}
+function yAt(v){return PT+ph*(1-(v-dMin)/((dMax-dMin)||1));}
+function projVal(s,k,rE,rEff){ if(s.nw)return (s.base!=null?s.base:s.start)*Math.pow(1+(s.apr||0),k/12)-(s.debt||0);
+  if(s.cur==='rub')return s.start+((rEff-rE)/RUBN)*k;
+  return s.start+rE*k; }
+function clampV(){ var sp=vE-vS; sp=Math.max(4,Math.min(D.nowI+126,sp));
+  if(vS<-4){vE=-4+sp;vS=-4;} if(vE>D.nowI+120){vS=D.nowI+120-sp;vE=D.nowI+120;} }
+function hx(c){return [parseInt(c.slice(1,3),16),parseInt(c.slice(3,5),16),parseInt(c.slice(5,7),16)];}
+function mix(a,b,t){var x=hx(a),y=hx(b);return 'rgb('+Math.round(x[0]+(y[0]-x[0])*t)+','+Math.round(x[1]+(y[1]-x[1])*t)+','+Math.round(x[2]+(y[2]-x[2])*t)+')';}
+function valColor(r){var S=[[0,'#C0392B'],[500,'#E07B39'],[1000,'#C7A23E'],[1500,'#6BA877'],[2500,'#2F8F5E'],[3000,'#1FB07A'],[5000,'#10D6A1']];
+  for(var i=1;i<S.length;i++){if(r<=S[i][0]){var t=(r-S[i-1][0])/((S[i][0]-S[i-1][0])||1);return mix(S[i-1][1],S[i][1],t);}}return S[S.length-1][1];}
+function line(a,color,dash,w,op){ if(a.length<1)return '';
+  var p=a.map(function(d){return xAt(d[0]).toFixed(1)+','+yAt(d[1]).toFixed(1);}).join(' ');
+  return '<polyline points="'+p+'" fill="none" stroke="'+color+'" stroke-width="'+(w||2.6)+'" stroke-linejoin="round" stroke-linecap="round" stroke-opacity="'+(op==null?1:op)+'"'+(dash?' stroke-dasharray="'+dash+'"':'')+'/>'; }
+function draw(){
+  var rE=Number(eurS.value), rR=Number(rubS.value), rEff=rE+rR*D.eurPerRub;
+  var colE=valColor(rE), colR=valColor(rR*(5000/(D.maxRub||100000)));
+  // Total is computed from the VISIBLE component lines, so toggling a chip (e.g.
+  // real estate) moves the headline number too — hide property and you see the liquid pile.
+  var comps=[]; D.series.forEach(function(s){ if(s.key!=='total') comps.push(s); });
+  var nMonths=comps.length?comps[0].hist.length:0;
+  function visC(){ var a=[]; comps.forEach(function(c){ if(vis[c.key]) a.push(c); }); return a; }
+  function totHistArr(){ var vc=visC(),arr=[]; for(var i=0;i<nMonths;i++){ var sum=0,mi=comps[0].hist[i][0]; for(var j=0;j<vc.length;j++){ var h=vc[j].hist[i]; if(h)sum+=h[1]; } arr.push([mi,sum]); } return arr; }
+  function totProj(k){ var vc=visC(),s=0; for(var j=0;j<vc.length;j++) s+=projVal(vc[j],k,rE,rEff); return s; }
+  var TH=totHistArr();
+  var allV=[0];
+  comps.forEach(function(s){ if(!vis[s.key])return;
+    s.hist.forEach(function(p){ if(p[0]>=vS&&p[0]<=vE) allV.push(p[1]); });
+    for(var k=0;k<=120;k++){ if(D.nowI+k>vE)break; allV.push(projVal(s,k,rE,rEff)); } });
+  if(vis.total){ TH.forEach(function(p){ if(p[0]>=vS&&p[0]<=vE) allV.push(p[1]); });
+    for(var kt=0;kt<=120;kt++){ if(D.nowI+kt>vE)break; allV.push(totProj(kt)); } }
+  dMax=Math.max.apply(null,allV); dMin=Math.min.apply(null,allV); if(dMin>0)dMin=0;
+  var out='<defs><linearGradient id="svFill" x1="0" y1="0" x2="0" y2="1"><stop offset="0%" stop-color="${PALETTE.greenBright}" stop-opacity="0.16"/><stop offset="100%" stop-color="${PALETTE.greenBright}" stop-opacity="0.01"/></linearGradient><linearGradient id="svScrim" x1="0" y1="0" x2="1" y2="0"><stop offset="0" class="sv-scrimc" stop-opacity="0"/><stop offset="0.55" class="sv-scrimc" stop-opacity="0.82"/><stop offset="1" class="sv-scrimc" stop-opacity="1"/></linearGradient><clipPath id="svClip"><rect x="'+PL+'" y="0" width="'+pw+'" height="'+H+'"/></clipPath></defs>';
+  out+='<g clip-path="url(#svClip)">';
+  var cal0=D.fy*12+D.fm, ci;
+  for(ci=Math.ceil(vS);ci<=Math.floor(vE);ci++){ if(((((cal0+ci)%12)+12)%12)===0){ var yx=xAt(ci);
+    out+='<line x1="'+yx.toFixed(1)+'" y1="'+PT+'" x2="'+yx.toFixed(1)+'" y2="'+(PT+ph)+'" stroke="'+BORD+'" stroke-width="1"/>';
+    if(yx<W-(narrow?108:40)) out+='<text x="'+(yx+5).toFixed(1)+'" y="'+(PT+12)+'" class="sv-yr">'+Math.floor((cal0+ci)/12)+'</text>'; } }
+  D.milestones.forEach(function(m){ var my=yAt(m.eur); if(my>PT+2&&my<PT+ph){
+    out+='<line x1="'+PL+'" y1="'+my.toFixed(1)+'" x2="'+(W-PR)+'" y2="'+my.toFixed(1)+'" stroke="'+(m.hero?'${PALETTE.green}':SOFT)+'" stroke-width="'+(m.hero?1.4:1)+'" stroke-dasharray="'+(m.hero?'6 4':'2 6')+'" stroke-opacity="'+(m.hero?0.8:0.4)+'"/>'; } });
+  out+='<line x1="'+PL+'" y1="'+yAt(0).toFixed(1)+'" x2="'+(W-PR)+'" y2="'+yAt(0).toFixed(1)+'" stroke="'+BORD+'" stroke-width="1" stroke-dasharray="3 4"/>';
+  capY=yAt(D.houseCap);
+  if(capY>PT && capY<PT+ph){ out+='<line x1="'+PL+'" y1="'+capY.toFixed(1)+'" x2="'+(W-PR)+'" y2="'+capY.toFixed(1)+'" stroke="'+SOFT+'" stroke-width="1" stroke-dasharray="2 6" stroke-opacity="0.4"/>'; }
+  pts=[]; var labels=[];
+  if(vis.total && TH.length){ var thlast=TH[TH.length-1][0];
+    var ha=TH.filter(function(p){return p[0]>=vS&&p[0]<=Math.min(vE,thlast);});
+    if(ha.length){ var base=(PT+ph).toFixed(1);
+      out+='<path d="M '+xAt(ha[0][0]).toFixed(1)+' '+base+' '+ha.map(function(p){return 'L '+xAt(p[0]).toFixed(1)+' '+yAt(p[1]).toFixed(1);}).join(' ')+' L '+xAt(ha[ha.length-1][0]).toFixed(1)+' '+base+' Z" fill="url(#svFill)"/>'; } }
+  comps.forEach(function(s){ if(!vis[s.key])return;
+    var lh=s.hist.length?s.hist[s.hist.length-1]:[D.nowI,s.start];
+    var hp=s.hist.filter(function(p){return p[0]>=vS-1&&p[0]<=vE;});
+    out+=line(hp,s.color,'',2,0.52);
+    if(lh[0]<D.nowI){ out+=line([[lh[0],lh[1]],[D.nowI,lh[1]]],GAP,'1 5',2.2,0.8); }
+    var pp=[]; for(var k=0;k<=120;k++){var i=D.nowI+k; if(i>vE)break; pp.push([i,projVal(s,k,rE,rEff)]);}
+    out+=line(pp,s.color,'7 6',1.7,0.52);
+    hp.forEach(function(p){pts.push({x:xAt(p[0]),y:yAt(p[1]),i:p[0],v:p[1],s:s.label,c:s.color,f:0});});
+    pp.forEach(function(p,j){if(j>0)pts.push({x:xAt(p[0]),y:yAt(p[1]),i:p[0],v:p[1],s:s.label,c:s.color,f:1});});
+    var ep=pp.length?pp[pp.length-1]:(hp.length?hp[hp.length-1]:null); if(ep)labels.push({y:yAt(ep[1]),t:s.short||s.label,c:s.color}); });
+  if(vis.total && TH.length){ var T0=D.series[0],tcol=T0.color,tlab=T0.label,tsh=T0.short||T0.label;
+    var tlh=TH[TH.length-1];
+    var thp=TH.filter(function(p){return p[0]>=vS-1&&p[0]<=vE;});
+    out+=line(thp,tcol,'',3.6,1);
+    if(tlh[0]<D.nowI){ out+=line([[tlh[0],tlh[1]],[D.nowI,tlh[1]]],GAP,'1 5',2.2,0.8); }
+    var tpp=[]; for(var kk=0;kk<=120;kk++){var ii=D.nowI+kk; if(ii>vE)break; tpp.push([ii,totProj(kk)]);}
+    out+=line(tpp,tcol,'7 6',3,1);
+    thp.forEach(function(p){pts.push({x:xAt(p[0]),y:yAt(p[1]),i:p[0],v:p[1],s:tlab,c:tcol,f:0});});
+    tpp.forEach(function(p,j){if(j>0)pts.push({x:xAt(p[0]),y:yAt(p[1]),i:p[0],v:p[1],s:tlab,c:tcol,f:1});});
+    var tep=tpp.length?tpp[tpp.length-1]:(thp.length?thp[thp.length-1]:null); if(tep)labels.push({y:yAt(tep[1]),t:tsh,c:tcol}); }
+  if(D.nowI>=vS&&D.nowI<=vE){ var nx=xAt(D.nowI).toFixed(1);
+    out+='<line x1="'+nx+'" y1="'+PT+'" x2="'+nx+'" y2="'+(PT+ph)+'" stroke="'+SOFT+'" stroke-width="1.2"/><text x="'+nx+'" y="'+(PT-8)+'" text-anchor="middle" class="sv-now-mk">'+D.sNow+'</text>'; }
+  out+='</g>';
+  var ticks=narrow?3:4,i; for(i=0;i<=ticks;i++){ var idx=vS+(vE-vS)*i/ticks; var x=xAt(idx).toFixed(1);
+    var an=(i===0?'start':(i===ticks?'end':'middle'));
+    out+='<text x="'+x+'" y="'+(H-12)+'" text-anchor="'+an+'" class="sv-ax">'+lbl(idx)+'</text>'; }
+  D.milestones.forEach(function(m){ var my=yAt(m.eur); if(my>PT+2&&my<PT+ph){
+    out+='<text x="'+(PL+5)+'" y="'+(my-5).toFixed(1)+'" class="sv-ms'+(m.hero?' hero':'')+'">'+m.label+'</text>'; } });
+  out+='<text id="svTgt" x="'+(PL+5)+'" y="'+(capY-5).toFixed(1)+'" class="sv-tgt" style="display:none">'+fmt(D.houseCap)+' '+D.sSafe+'</text>';
+  if(labels.length){ labels.sort(function(a,b){return a.y-b.y;});
+    var gap=narrow?13:13, fs=narrow?10:10.5;
+    for(var li=1;li<labels.length;li++){ if(labels[li].y-labels[li-1].y<gap) labels[li].y=labels[li-1].y+gap; }
+    var ov=labels[labels.length-1].y-(PT+ph-2); if(ov>0){ for(var lj=0;lj<labels.length;lj++) labels[lj].y-=ov; }
+    if(labels[0].y<PT+8){ var un=PT+8-labels[0].y; for(var lm=0;lm<labels.length;lm++) labels[lm].y+=un; }
+    if(narrow){ var scW=Math.min(104,pw*0.46);
+      out+='<rect x="'+(W-scW).toFixed(1)+'" y="'+PT+'" width="'+scW.toFixed(1)+'" height="'+ph+'" fill="url(#svScrim)"/>';
+      labels.forEach(function(L){ out+='<text x="'+(W-7)+'" y="'+(L.y+3).toFixed(1)+'" text-anchor="end" class="sv-llabel" style="font-size:'+fs+'px" fill="'+L.c+'">'+L.t+'</text>'; }); }
+    else { labels.forEach(function(L){ out+='<text x="'+(W-PR+6)+'" y="'+(L.y+3).toFixed(1)+'" class="sv-llabel" style="font-size:'+fs+'px" fill="'+L.c+'">'+L.t+'</text>'; }); } }
+  out+='<circle id="svDot" r="5.5" fill="#fff" stroke="${PALETTE.green}" stroke-width="2.5" style="display:none"/>';
+  svg.innerHTML=out;
+  setText('svRateEurLabel','€'+fmt(rE)); setText('svRateRubLabel','₽'+fmt(rR));
+  var rle=document.getElementById('svRateEurLabel'); if(rle)rle.style.color=colE;
+  var rlr=document.getElementById('svRateRubLabel'); if(rlr)rlr.style.color=colR;
+  eurS.style.setProperty('--thumb',colE); eurS.classList.toggle('hot', rE>=3000);
+  rubS.style.setProperty('--thumb',colR); rubS.classList.toggle('hot', rR>=60000);
+  setText('svNowEur','€'+fmt(totProj(0))); if(D.rub)setText('svNowRub','₽'+fmt(totProj(0)*D.rub));
+  setText('svY1eur','€'+fmt(totProj(12))); setText('svY5eur','€'+fmt(totProj(60)));
+  if(D.rub){setText('svY1rub','₽'+fmt(totProj(12)*D.rub)); setText('svY5rub','₽'+fmt(totProj(60)*D.rub));}
+  var tc=document.querySelector('.sv-chip[data-key="total"] strong'); if(tc)tc.textContent='€'+fmt(totProj(0));
+}
+function showTip(cx,cy){ if(!pts.length)return;
+  var rc=svg.getBoundingClientRect(), vx=(cx-rc.left)/rc.width*W, vy=(cy-rc.top)/rc.height*H;
+  var tgt=document.getElementById('svTgt'); if(tgt)tgt.style.display=(Math.abs(vy-capY)<13)?'':'none';
+  var best=null,bd=1e9; pts.forEach(function(p){var d=(p.x-vx)*(p.x-vx)+(p.y-vy)*(p.y-vy)*0.3; if(d<bd){bd=d;best=p;}});
+  if(!best)return;
+  var dot=document.getElementById('svDot');
+  if(dot){dot.setAttribute('cx',best.x.toFixed(1));dot.setAttribute('cy',best.y.toFixed(1));dot.setAttribute('stroke',best.c);dot.style.display='';}
+  tip.innerHTML='<span class="sv-tip-m">'+best.s+' · '+lbl(best.i)+(best.f?' · '+D.sProj:'')+'</span><span class="sv-tip-v" style="color:'+best.c+'">€'+fmt(best.v)+(D.rub?'  ·  ₽'+fmt(best.v*D.rub):'')+'</span>';
+  tip.style.left=(best.x/W*rc.width)+'px'; tip.style.top=(best.y/H*rc.height)+'px'; tip.hidden=false;
+}
+function hideTip(){tip.hidden=true; var d=document.getElementById('svDot'); if(d)d.style.display='none'; var t=document.getElementById('svTgt'); if(t)t.style.display='none';}
+var drag=false,dragX=0;
+svg.addEventListener('mousemove',function(e){ if(drag){var rc=svg.getBoundingClientRect();var sp=vE-vS;var d=-(e.clientX-dragX)/rc.width*sp;vS+=d;vE+=d;dragX=e.clientX;clampV();draw();} else showTip(e.clientX,e.clientY); });
+svg.addEventListener('mouseleave',function(){hideTip();drag=false;});
+svg.addEventListener('mousedown',function(e){drag=true;dragX=e.clientX;});
+window.addEventListener('mouseup',function(){drag=false;});
+svg.addEventListener('wheel',function(e){
+  var rc=svg.getBoundingClientRect();
+  if(e.ctrlKey||e.metaKey){ e.preventDefault(); var vx=(e.clientX-rc.left)/rc.width*W; var cidx=vS+(vx-PL)/pw*(vE-vS);
+    var f=Math.exp(e.deltaY*0.012); var nsp=Math.max(4,Math.min(D.nowI+126,(vE-vS)*f)); var fr=(cidx-vS)/((vE-vS)||1);
+    vS=cidx-fr*nsp; vE=vS+nsp; clampV(); draw(); }
+  else if(Math.abs(e.deltaX)>Math.abs(e.deltaY)){ e.preventDefault(); var sp=vE-vS,d=e.deltaX/pw*sp; vS+=d;vE+=d;clampV();draw(); }
+},{passive:false});
+var pd=0;
+svg.addEventListener('touchstart',function(e){if(e.touches.length===2)pd=Math.abs(e.touches[0].clientX-e.touches[1].clientX); else if(e.touches.length===1)showTip(e.touches[0].clientX,e.touches[0].clientY);},{passive:true});
+svg.addEventListener('touchmove',function(e){ if(e.touches.length===2){ e.preventDefault(); var rc=svg.getBoundingClientRect();
+  var d=Math.abs(e.touches[0].clientX-e.touches[1].clientX); if(pd){ var cx=((e.touches[0].clientX+e.touches[1].clientX)/2-rc.left)/rc.width*W;
+    var cidx=vS+(cx-PL)/pw*(vE-vS); var f=pd/d; var nsp=Math.max(4,Math.min(D.nowI+126,(vE-vS)*f)); var fr=(cidx-vS)/((vE-vS)||1);
+    vS=cidx-fr*nsp; vE=vS+nsp; clampV(); draw(); } pd=d; }
+  else if(e.touches.length===1){ showTip(e.touches[0].clientX,e.touches[0].clientY); } },{passive:false});
+svg.addEventListener('touchend',function(){hideTip();});
+document.querySelectorAll('.sv-chip').forEach(function(b){ b.addEventListener('click',function(){
+  var k=b.getAttribute('data-key'); vis[k]=!vis[k]; b.classList.toggle('off',!vis[k]); draw(); }); });
+eurS.addEventListener('input',draw);
+rubS.addEventListener('input',draw);
+var raf=0;
+function relayout(){ if(raf)cancelAnimationFrame(raf); raf=requestAnimationFrame(function(){layout();draw();}); }
+if(window.ResizeObserver){ new ResizeObserver(relayout).observe(svg); } else { window.addEventListener('resize',relayout); }
+layout(); draw();
+})();`;
+}
+function splitBar(groups, total) {
+  if (total <= 0)
+    return "";
+  const mand = groups.find((g) => g.tier === "mandatory")?.total ?? 0;
+  const flex = groups.find((g) => g.tier === "non-mandatory")?.total ?? 0;
+  const seg = (amount, color, name) => {
+    if (amount <= 0)
+      return "";
+    const pct = amount / total * 100;
+    return `<div class="bd-seg" style="width:${pct.toFixed(2)}%;background:${color}" title="${esc(name)} ${esc(eur(amount))} (${Math.round(pct)}%)"><span class="bd-seg-l">${esc(name)} ${Math.round(pct)}%</span></div>`;
+  };
+  return `<div class="bd-bar bd-split">${seg(mand, PALETTE.green, t("mandatory"))}${seg(flex, PALETTE.amber, t("nonMandatory"))}</div>`;
+}
+function tierBar(g) {
+  if (g.total <= 0 || g.categories.length === 0)
+    return "";
+  const bars = g.categories.map((c) => {
+    const pct = c.total / g.total * 100;
+    const color = categoryColor(c.category);
+    const label = pct >= 4.5 ? `<span class="bd-seg-l">${esc(catName(c.category))} ${Math.round(pct)}%</span>` : "";
+    return `<div class="bd-seg" data-cat="${esc(c.category)}" style="width:${pct.toFixed(2)}%;background:${color}" title="${esc(catName(c.category))} ${esc(eur(c.total))}">${label}</div>`;
+  }).join("");
+  return `<div class="bd-bar bd-tier">${bars}</div>`;
+}
+function categoryDetails(c, monthTotal, tierMax) {
+  const pct = monthTotal > 0 ? Math.round(c.total / monthTotal * 100) : 0;
+  const widthPct = tierMax > 0 ? c.total / tierMax * 100 : 0;
+  const rows = c.txns.map((tx) => (() => {
+    const mi = merchantInfo(tx.merchant);
+    return `<li><span class="t-date">${esc(txDate(tx.date))}</span><span class="t-merch"><span class="t-name">${esc(mi.name)}</span>${mi.note ? `<span class="t-note">${esc(mi.note)}</span>` : ""}</span><span class="t-acct">${esc(accountLabel(tx.account))}</span><span class="t-amt">${esc(eur(tx.eur))}</span></li>`;
+  })()).join("");
+  return `
+          <details class="cat" data-cat="${esc(c.category)}">
+            <summary>
+              <span class="cat-fill" style="width:${widthPct.toFixed(1)}%;background:${categoryColor(c.category)}2E"></span>
+              <span class="cat-dot" style="background:${categoryColor(c.category)}"></span>
+              <span class="cat-name">${esc(catName(c.category))}</span>
+              <span class="cat-pct">${pct}%</span>
+              <span class="cat-meta">${c.count} ${esc(itemsWord(c.count))}</span>
+              <span class="cat-amt">${esc(eur(c.total))}</span>
+            </summary>
+            <ul class="txns">${rows}</ul>
+          </details>`;
+}
+function tierBlock(g, monthTotal) {
+  if (g.categories.length === 0)
+    return "";
+  const label = g.tier === "mandatory" ? t("mandatory") : t("nonMandatory");
+  const sub = g.tier === "mandatory" ? t("mandatorySub") : t("flexSub");
+  const tierMax = g.categories.reduce((mx, c) => Math.max(mx, c.total), 0);
+  const cats = g.categories.map((c) => categoryDetails(c, monthTotal, tierMax)).join("");
+  return `
+      <div class="tier tier-${g.tier}">
+        <div class="tier-head"><h3>${esc(label)}</h3><span class="tier-total">${esc(eur(g.total))}</span></div>
+        <p class="tier-sub">${esc(sub)}</p>
+        ${tierBar(g)}
+        ${cats}
+      </div>`;
+}
+function monthBlock(m, selected) {
+  const total = m.groups.reduce((s, g) => s + g.total, 0);
+  const blocks = m.groups.map((g) => tierBlock(g, total)).join("");
+  return `
+      <div class="month-block" data-month="${esc(m.month)}"${selected ? "" : " hidden"}>
+        <div class="month-total">${esc(eur(total))}<span class="month-total-label">${esc(periodLabel(m.month))} · ${esc(t("spent"))}</span></div>
+        ${splitBar(m.groups, total)}
+        ${blocks || `<p class="muted">${esc(t("none"))}</p>`}
+      </div>`;
+}
+function spendSection(months, selected) {
+  const ordered = [...months].sort((a, b) => {
+    const ay = /^\d{4}$/.test(a.month) ? 1 : 0;
+    const by = /^\d{4}$/.test(b.month) ? 1 : 0;
+    if (ay !== by)
+      return ay - by;
+    return a.month < b.month ? 1 : -1;
+  });
+  const options = ordered.map((m) => `<option value="${esc(m.month)}"${m.month === selected ? " selected" : ""}>${esc(periodLabel(m.month))}</option>`).join("");
+  const blocks = ordered.map((m) => monthBlock(m, m.month === selected)).join("");
+  const script = `(function(){
+var sec=document.currentScript.parentElement, sel=document.getElementById('monthSel');
+if(sel)sel.addEventListener('change',function(){var m=sel.value;
+  sec.querySelectorAll('.month-block').forEach(function(b){b.hidden=b.getAttribute('data-month')!==m;});});
+function setFocus(blk,cat){ blk.querySelectorAll('.bd-seg').forEach(function(s){var on=s.getAttribute('data-cat')===cat;s.classList.toggle('dim',!on);s.classList.toggle('hot',on);});
+  blk.querySelectorAll('details.cat').forEach(function(d){d.classList.toggle('rowdim',d.getAttribute('data-cat')!==cat);}); }
+function clearFocus(blk){ blk.querySelectorAll('.bd-seg').forEach(function(s){s.classList.remove('dim','hot');}); blk.querySelectorAll('details.cat').forEach(function(d){d.classList.remove('rowdim');}); }
+sec.addEventListener('mouseover',function(e){var el=e.target.closest('[data-cat]'); if(!el)return; var blk=el.closest('.month-block'); if(blk)setFocus(blk,el.getAttribute('data-cat')); });
+sec.addEventListener('mouseout',function(e){var el=e.target.closest('[data-cat]'); if(!el)return; var blk=el.closest('.month-block'); if(blk&&!blk.querySelector('[data-cat]:hover'))clearFocus(blk); });
+})();`;
+  return `
+    <section class="card spend" aria-label="${esc(t("whereItGoes"))}">
+      <header class="block-head spend-head">
+        <div><div class="eyebrow">${esc(t("spendKicker"))}</div><h2>${esc(t("whereItGoes"))}</h2><p class="muted">${esc(t("tapCategory"))}</p></div>
+        <select id="monthSel" class="month-pick" aria-label="${esc(t("whereItGoes"))}">${options}</select>
+      </header>
+      ${blocks}
+      <script>${script}</script>
+    </section>`;
+}
+function isoDay(today) {
+  const y = today.getUTCFullYear();
+  const m = String(today.getUTCMonth() + 1).padStart(2, "0");
+  const d = String(today.getUTCDate()).padStart(2, "0");
+  return `${y}-${m}-${d}`;
+}
+function controls() {
+  const other = LANG === "ru" ? "en" : "ru";
+  return `
+      <div class="controls">
+        <a class="ctl lang ${LANG === "en" ? "on" : ""}" href="/?lang=en">EN</a>
+        <a class="ctl lang ${LANG === "ru" ? "on" : ""}" href="/?lang=ru" data-other="${other}">RU</a>
+        <button type="button" class="ctl theme" id="themeBtn" aria-label="${esc(t("theme"))}"><span class="theme-ic">\uD83C\uDF19</span></button>
+      </div>`;
+}
+function renderDashboard(input) {
+  LANG = input.lang ?? "en";
+  DISPLAY = input.display ?? {};
+  const { report, focusMonth, today, nowMonth, projection, series, months, selectedMonth } = input;
+  const focus = report.months.find((m) => m.month === focusMonth);
+  if (focus === undefined) {
+    throw new Error(`renderDashboard: focus month "${focusMonth}" not found in report (have: ${report.months.map((m) => m.month).join(", ") || "none"})`);
+  }
+  const savingsBlock = projection && series && series.months.length >= 2 ? savingsSection(projection, series, nowMonth) : "";
+  const spendBlock = months && months.length > 0 ? spendSection(months, selectedMonth ?? focusMonth) : "";
+  const themeBoot = `(function(){try{var t=localStorage.getItem('kopeika-theme');if(!t)t=window.matchMedia&&window.matchMedia('(prefers-color-scheme:dark)').matches?'dark':'light';document.documentElement.setAttribute('data-theme',t);}catch(e){}})();`;
+  const themeToggle = `(function(){var b=document.getElementById('themeBtn');if(!b)return;b.addEventListener('click',function(){var d=document.documentElement.getAttribute('data-theme')==='dark'?'light':'dark';document.documentElement.setAttribute('data-theme',d);try{localStorage.setItem('kopeika-theme',d);}catch(e){}b.querySelector('.theme-ic').textContent=d==='dark'?'\\u2600\\ufe0f':'\\u{1F319}';});var cur=document.documentElement.getAttribute('data-theme');b.querySelector('.theme-ic').textContent=cur==='dark'?'\\u2600\\ufe0f':'\\u{1F319}';})();`;
+  return `<!DOCTYPE html>
+<html lang="${LANG}">
+<head>
+  <meta charset="utf-8" />
+  <meta name="viewport" content="width=device-width, initial-scale=1, maximum-scale=1, user-scalable=no" />
+  <title>${esc(t("title"))} · ${esc(prettyMonth(focus.month))}</title>
+  <link rel="preconnect" href="https://fonts.googleapis.com" />
+  <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin />
+  <link href="https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&family=Space+Grotesk:wght@500;600;700&family=JetBrains+Mono:wght@500;600;700&display=swap" rel="stylesheet" />
+  <script>${themeBoot}</script>
+  <style>
+${buildCss()}
+  </style>
+</head>
+<body>
+  <main class="page">
+    <header class="page-head">
+${controls()}
+      <div class="eyebrow">${esc(t("worthKicker"))}</div>
+      <h1>${esc(t("title"))}</h1>
+      <p class="subtitle">${esc(t("subtitle"))}</p>
+    </header>
+${savingsBlock}
+${spendBlock}
+    <footer class="page-foot">
+      ${esc(t("updated"))} ${esc(isoDay(today))} · kopeika${DISPLAY.footer ? ` · ${esc(DISPLAY.footer[LANG])}` : ""}
+    </footer>
+  </main>
+  <script>${themeToggle}</script>
+</body>
+</html>
+`;
+}
+function buildCss() {
+  return `    :root {
+      --bg:#f6f4ec; --card:#fcfaf3; --card-soft:#efeadd;
+      --ink:#1b1d1a; --ink-soft:#585b51; --ink-faint:#8d9083;
+      --green:#16864a; --green-bright:#11a06a; --green-soft:#e4efe6;
+      --amber:#c2641e; --amber-soft:#f3e7d6; --blue:#3e7ca8; --border:#e3ddcd; --line-soft:#ece7da;
+      --dot:rgba(27,29,26,.05);
+      --display:"Space Grotesk","Inter",sans-serif; --mono:"JetBrains Mono",ui-monospace,SFMono-Regular,Menlo,monospace;
+      --radius:22px; --radius-sm:13px; --radius-xs:9px;
+      --shadow:0 1px 2px rgba(27,29,26,.04), 0 18px 40px -24px rgba(27,29,26,.26);
+    }
+    [data-theme="dark"] {
+      --bg:#0e100d; --card:#181a15; --card-soft:#22251c;
+      --ink:#ece9df; --ink-soft:#a6a99f; --ink-faint:#71756b;
+      --green:#5ccf90; --green-bright:#79e7a6; --green-soft:rgba(92,207,144,.13);
+      --amber:#e8a652; --amber-soft:rgba(232,166,82,.14); --blue:#6ba6d0; --border:#2b2e26; --line-soft:#23261d;
+      --dot:rgba(255,255,255,.035);
+      --shadow:0 1px 2px rgba(0,0,0,.34), 0 22px 46px -26px rgba(0,0,0,.6);
+    }
+    * { box-sizing:border-box; }
+    html,body { margin:0; padding:0; }
+    body { background-color:var(--bg);
+      background-image:radial-gradient(circle at 1px 1px, var(--dot) 1px, transparent 0);
+      background-size:26px 26px; color:var(--ink); line-height:1.55;
+      font-family:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif; -webkit-font-smoothing:antialiased; transition:background-color .2s,color .2s; }
+    .page { max-width:1120px; margin:0 auto; padding:52px 40px 80px; }
+    .eyebrow { font-family:var(--mono); font-size:11.5px; font-weight:600; text-transform:uppercase; letter-spacing:.18em; color:var(--green); }
+    .page-head { margin-bottom:32px; position:relative; }
+    .page-head .eyebrow { margin-bottom:12px; }
+    .page-head h1 { font-family:var(--display); font-size:46px; font-weight:600; letter-spacing:-.035em; line-height:1.02; margin:0; color:var(--ink); }
+    .page-head .subtitle { font-size:16px; color:var(--ink-soft); margin:12px 0 0; max-width:60ch; }
+    .controls { position:absolute; top:2px; right:0; display:flex; gap:6px; align-items:center; }
+    .ctl { font-family:var(--mono); font-size:12px; font-weight:600; color:var(--ink-soft); background:var(--card); border:1px solid var(--border);
+      border-radius:10px; padding:7px 10px; cursor:pointer; text-decoration:none; line-height:1; display:inline-flex; align-items:center; transition:.15s; }
+    .ctl:hover { border-color:var(--green); color:var(--green); }
+    .ctl.lang.on, .ctl.lang.on:hover { background:var(--green); border-color:var(--green); color:var(--card); }
+    .ctl.theme { font-size:14px; padding:6px 9px; }
+    .card { background:linear-gradient(180deg, var(--card) 0%, var(--card-soft) 240%); border:1px solid var(--border); border-radius:var(--radius); box-shadow:var(--shadow); padding:30px 34px; margin-bottom:22px; }
+    .block-head { margin-bottom:18px; }
+    .block-head h2 { font-family:var(--display); font-size:23px; font-weight:600; letter-spacing:-.02em; margin:0; }
+    .block-head .eyebrow { margin-bottom:9px; }
+    .block-head .muted { font-size:13.5px; color:var(--ink-soft); margin:4px 0 0; }
+    .muted { color:var(--ink-soft); }
+
+    .savings { background:linear-gradient(168deg, var(--card) 0%, color-mix(in srgb, var(--green) 6%, var(--card)) 140%); border-color:color-mix(in srgb, var(--green) 22%, var(--border)); }
+    .sv-head { display:flex; justify-content:space-between; align-items:flex-start; gap:24px; flex-wrap:wrap; margin-bottom:18px; }
+    .sv-now-label { font-family:var(--mono); font-size:11.5px; font-weight:600; text-transform:uppercase; letter-spacing:.18em; color:var(--green); }
+    .sv-now-amt { font-family:var(--display); font-size:58px; font-weight:600; letter-spacing:-.035em; line-height:1; margin-top:8px; font-variant-numeric:tabular-nums; }
+    .sv-now-rub { font-family:var(--mono); font-size:18px; font-weight:600; color:var(--ink-soft); letter-spacing:-.01em; margin-top:8px; font-variant-numeric:tabular-nums; }
+    .sv-figs { display:flex; gap:12px; }
+    .sv-fig { background:var(--card); border:1px solid var(--border); border-radius:var(--radius-sm); padding:14px 18px; min-width:138px; }
+    .sv-fig-label { font-family:var(--mono); font-size:10.5px; font-weight:600; text-transform:uppercase; letter-spacing:.14em; color:var(--ink-faint); display:block; }
+    .sv-fig-amt { font-family:var(--display); font-size:27px; font-weight:600; letter-spacing:-.02em; display:block; margin-top:5px; font-variant-numeric:tabular-nums; }
+    .sv-fig-rub { font-family:var(--mono); font-size:12.5px; color:var(--ink-soft); font-style:normal; display:block; margin-top:3px; font-variant-numeric:tabular-nums; }
+    .sv-fig-hero { background:linear-gradient(150deg,#15935f 0%,#1fb079 100%); border-color:transparent; color:#fff; box-shadow:0 16px 32px -16px rgba(21,147,95,.7); }
+    .sv-fig-hero .sv-fig-label { color:rgba(255,255,255,.85); }
+    .sv-fig-hero .sv-fig-amt { color:#fff; }
+    .sv-fig-hero .sv-fig-rub { color:rgba(255,255,255,.92); }
+    .sv-legend { display:flex; flex-wrap:wrap; gap:7px; align-items:center; margin-bottom:4px; }
+    /* ON: chip ringed + tinted in its own colour, solid dot, dark text. OFF: grey,
+       hollow dot, struck-through, dimmed — so on/off reads at a glance. */
+    .sv-chip { display:inline-flex; align-items:center; gap:7px; font-family:var(--mono); font-size:12px; font-weight:600; color:var(--ink);
+      background:color-mix(in srgb, var(--c) 10%, var(--card)); border:1.4px solid color-mix(in srgb, var(--c) 55%, var(--border));
+      border-radius:999px; padding:5px 12px; cursor:pointer; transition:.15s; }
+    .sv-chip:hover { border-color:var(--c); }
+    .sv-chip strong { color:var(--ink); font-weight:700; font-variant-numeric:tabular-nums; }
+    .sv-chip .sv-dot { width:9px; height:9px; border-radius:50%; background:var(--c); flex:0 0 auto; }
+    .sv-chip.off { background:var(--card); border-color:var(--border); color:var(--ink-faint); opacity:.75; }
+    .sv-chip.off strong { color:var(--ink-faint); font-weight:600; }
+    .sv-chip.off .sv-dot { background:transparent; box-shadow:inset 0 0 0 1.6px var(--ink-faint); }
+    .sv-chip.off .sv-cname { text-decoration:line-through; }
+    .sv-yr { fill:var(--ink-faint); font-family:var(--mono); font-size:10.5px; font-weight:600; opacity:.85; }
+    .sv-ms { fill:var(--ink-faint); font-family:var(--mono); font-size:10px; font-weight:500; }
+    .sv-ms.hero { fill:var(--green); font-size:10.5px; font-weight:700; }
+    .sv-llabel { font-family:var(--mono); font-size:10px; font-weight:600; }
+    .sv-scrimc { stop-color:var(--card); }
+    .sv-chart-wrap { position:relative; margin:14px 0 4px; height:clamp(360px,40vw,500px); touch-action:pan-y; }
+    #svChart { display:block; width:100%; height:100%; cursor:grab; }
+    #svChart:active { cursor:grabbing; }
+    .sv-ax { fill:var(--ink-faint); font-family:var(--mono); font-size:11px; font-weight:500; }
+    .sv-tgt { fill:var(--amber); font-family:var(--mono); font-size:10.5px; font-weight:600; }
+    .sv-now-mk { fill:var(--ink-faint); font-family:var(--mono); font-size:10px; font-weight:600; text-transform:uppercase; letter-spacing:.12em; }
+    .sv-tip { position:absolute; transform:translate(-50%,-130%); pointer-events:none; background:var(--ink); color:var(--bg); border-radius:10px; padding:7px 11px; font-family:var(--mono); font-size:12px; white-space:nowrap; box-shadow:0 10px 26px -8px rgba(0,0,0,.4); z-index:3; }
+    .sv-tip-m { display:block; opacity:.7; font-size:10.5px; }
+    .sv-tip-v { display:block; font-weight:700; font-size:14px; font-variant-numeric:tabular-nums; }
+    .sv-rate-head { margin-top:24px; font-family:var(--mono); font-size:11px; font-weight:600; text-transform:uppercase; letter-spacing:.16em; color:var(--ink-faint); }
+    .sv-controls { margin-top:14px; display:grid; grid-template-columns:1fr 1fr; gap:18px 30px; }
+    .sv-slider { min-width:0; }
+    .sv-control-row { display:flex; justify-content:space-between; align-items:baseline; margin-bottom:9px; gap:10px; }
+    .sv-rate-label { font-family:var(--mono); font-size:11px; font-weight:600; text-transform:uppercase; letter-spacing:.12em; color:var(--ink-soft); }
+    .sv-rate { font-family:var(--display); font-size:26px; font-weight:600; letter-spacing:-.02em; color:var(--green); transition:color .1s; white-space:nowrap; font-variant-numeric:tabular-nums; }
+    input[type=range] { -webkit-appearance:none; appearance:none; width:100%; height:8px; border-radius:6px;
+      background:linear-gradient(90deg,#C0392B 0%,#E07B39 10%,#C7A23E 20%,#6BA877 30%,#2F8F5E 50%,#1FB07A 60%,#10D6A1 100%); outline:none; }
+    input[type=range]::-webkit-slider-thumb { -webkit-appearance:none; appearance:none; width:26px; height:26px; border-radius:50%; background:var(--thumb,var(--green)); border:4px solid var(--card); box-shadow:0 2px 8px rgba(0,0,0,.22); cursor:grab; transition:box-shadow .2s; }
+    input[type=range]::-moz-range-thumb { width:26px; height:26px; border-radius:50%; background:var(--thumb,var(--green)); border:4px solid var(--card); box-shadow:0 2px 8px rgba(0,0,0,.22); cursor:grab; }
+    input[type=range].hot::-webkit-slider-thumb { box-shadow:0 0 0 5px rgba(16,214,161,.22), 0 0 22px rgba(16,214,161,.75); animation:pulse 1.1s ease-in-out infinite; }
+    input[type=range].hot::-moz-range-thumb { box-shadow:0 0 0 5px rgba(16,214,161,.22), 0 0 22px rgba(16,214,161,.75); }
+    @keyframes pulse { 0%,100%{box-shadow:0 0 0 5px rgba(16,214,161,.20), 0 0 18px rgba(16,214,161,.6);} 50%{box-shadow:0 0 0 8px rgba(16,214,161,.10), 0 0 30px rgba(16,214,161,.95);} }
+
+    .spend-head { display:flex; justify-content:space-between; align-items:flex-start; gap:16px; }
+    select.month-pick { font-family:var(--mono); font-size:13px; font-weight:600; color:var(--ink); padding:10px 14px; border:1px solid var(--border); border-radius:var(--radius-xs); background:var(--card); cursor:pointer; }
+    .month-total { font-family:var(--display); font-size:34px; font-weight:600; letter-spacing:-.025em; margin:8px 0 16px; font-variant-numeric:tabular-nums; }
+    .month-total-label { font-family:var(--mono); font-size:11px; font-weight:600; text-transform:uppercase; letter-spacing:.1em; color:var(--ink-faint); margin-left:12px; }
+    .bd-bar { display:flex; width:100%; border-radius:var(--radius-xs); overflow:hidden; border:1px solid var(--border); }
+    .bd-split { height:32px; margin-bottom:8px; }
+    .bd-tier { height:22px; margin:10px 0 14px; }
+    .bd-seg { height:100%; display:flex; align-items:center; padding:0 9px; overflow:hidden; min-width:2px; cursor:default; transition:opacity .12s, filter .12s; }
+    .bd-seg.dim { opacity:.3; filter:saturate(.5); }
+    .bd-seg.hot { box-shadow:inset 0 0 0 2px rgba(255,255,255,.85); }
+    .bd-seg-l { font-family:var(--mono); font-size:10.5px; font-weight:600; color:#fff; white-space:nowrap; text-shadow:0 1px 1px rgba(0,0,0,.2);
+      overflow:hidden; -webkit-mask-image:linear-gradient(90deg,#000 72%,transparent); mask-image:linear-gradient(90deg,#000 72%,transparent); }
+    .tier { margin-top:28px; padding-left:16px; border-left:3px solid var(--border); }
+    .tier-mandatory { border-left-color:var(--green); } .tier-non-mandatory { border-left-color:var(--amber); }
+    .tier-head { display:flex; justify-content:space-between; align-items:baseline; }
+    .tier-head h3 { font-family:var(--display); font-size:17px; font-weight:600; letter-spacing:-.01em; margin:0; }
+    .tier-mandatory .tier-head h3 { color:var(--green); } .tier-non-mandatory .tier-head h3 { color:var(--amber); }
+    .tier-total { font-family:var(--mono); font-size:16px; font-weight:600; font-variant-numeric:tabular-nums; }
+    .tier-sub { font-size:12.5px; color:var(--ink-soft); margin:3px 0 14px; }
+    details.cat { border:1px solid var(--line-soft); border-radius:var(--radius-sm); background:var(--card); margin-bottom:7px; overflow:hidden; transition:opacity .12s, border-color .12s; }
+    details.cat:hover { border-color:var(--border); }
+    details.cat.rowdim { opacity:.4; }
+    details.cat summary { list-style:none; cursor:pointer; display:flex; align-items:center; gap:12px; padding:13px 16px; user-select:none; position:relative; }
+    .cat-fill { position:absolute; left:0; top:0; bottom:0; z-index:0; background:var(--green-soft); }
+    .tier-non-mandatory .cat-fill { background:var(--amber-soft); }
+    details.cat summary > *:not(.cat-fill) { position:relative; z-index:1; }
+    details.cat summary::-webkit-details-marker { display:none; }
+    details.cat summary::before { content:"\\203A"; color:var(--ink-faint); font-size:18px; line-height:1; width:12px; display:inline-block; transition:transform .15s ease; position:relative; z-index:1; }
+    details.cat[open] summary::before { transform:rotate(90deg); }
+    .cat-dot { width:8px; height:8px; border-radius:50%; flex:0 0 auto; position:relative; z-index:1; }
+    .cat-name { font-size:14.5px; font-weight:600; flex:1; }
+    .cat-pct { font-family:var(--mono); font-size:12px; font-weight:600; color:var(--ink-soft); min-width:38px; text-align:right; font-variant-numeric:tabular-nums; }
+    .cat-meta { font-family:var(--mono); font-size:11px; color:var(--ink-faint); min-width:56px; text-align:right; }
+    .cat-amt { font-family:var(--mono); font-size:14px; font-weight:700; min-width:74px; text-align:right; font-variant-numeric:tabular-nums; }
+    .txns { list-style:none; margin:0; padding:2px 16px 10px 40px; background:var(--card); position:relative; z-index:1; }
+    .txns li { display:flex; align-items:center; gap:12px; padding:8px 0; border-top:1px solid var(--line-soft); font-size:13.5px; }
+    .t-date { font-family:var(--mono); color:var(--ink-faint); font-variant-numeric:tabular-nums; font-size:12px; min-width:82px; white-space:nowrap; }
+    .t-merch { flex:1; min-width:0; display:flex; flex-direction:column; gap:1px; }
+    .t-name { overflow:hidden; text-overflow:ellipsis; white-space:nowrap; }
+    .t-note { font-size:11px; font-weight:500; color:var(--ink-faint); overflow:hidden; text-overflow:ellipsis; white-space:nowrap; }
+    .t-acct { font-family:var(--mono); font-size:10px; font-weight:600; text-transform:uppercase; letter-spacing:.04em; color:var(--ink-soft); background:var(--card-soft); border:1px solid var(--line-soft); border-radius:999px; padding:2px 9px; white-space:nowrap; }
+    .t-amt { font-family:var(--mono); font-weight:700; min-width:66px; text-align:right; font-variant-numeric:tabular-nums; }
+    .page-foot { text-align:center; font-family:var(--mono); font-size:11px; font-weight:500; letter-spacing:.04em; color:var(--ink-faint); margin-top:44px; }
+
+    @media (max-width:760px) {
+      .page { padding:22px 11px 52px; }
+      .card { padding:18px 13px; border-radius:18px; }
+      .page-head { margin-top:46px; }
+      .page-head h1 { font-size:33px; }
+      .page-head .subtitle { font-size:14px; }
+      .sv-head { gap:14px; }
+      .sv-now-amt { font-size:44px; }
+      /* The chart is the centerpiece: break it out of the card padding so it runs
+         edge-to-edge, and give it real height. Right-edge labels overlay a soft
+         fade (drawn in the SVG) instead of eating a margin that crops the plot. */
+      .sv-chart-wrap { height:454px; margin:14px -13px 6px; }
+      .sv-figs { width:100%; gap:9px; }
+      .sv-fig { flex:1; min-width:0; padding:12px 14px; }
+      .sv-fig-amt { font-size:22px; }
+      .sv-fig-rub { font-size:11.5px; }
+      .sv-control-row { flex-wrap:wrap; }
+      .sv-rate-label { font-size:10.5px; }
+      .sv-rate { font-size:22px; }
+      .sv-controls { grid-template-columns:1fr; gap:14px; }
+      .controls .ctl { padding:6px 9px; font-size:11px; }
+      .spend-head { flex-direction:column; gap:12px; }
+      select.month-pick { width:100%; }
+      .month-total { font-size:27px; }
+      .bd-split { height:30px; } .bd-tier { height:20px; }
+      .cat-meta { display:none; }
+      /* Flatten the nested look on phones: drop the tier's left rule and indent,
+         drop the card-in-card borders, keep the category colour via the fill. */
+      .tier { margin-top:22px; padding-left:0; border-left:none; }
+      .tier-head h3 { font-size:16.5px; }
+      details.cat { border:none; border-radius:9px; margin-bottom:2px; }
+      details.cat summary { padding:13px 10px; gap:9px; }
+      .cat-amt { min-width:0; }
+      .t-date { min-width:0; font-size:11px; }
+      .t-acct { font-size:9.5px; padding:2px 7px; }
+      .txns { padding-left:12px; padding-right:2px; }
+      .txns li { gap:9px; }
+    }`;
+}
+
+// src/profile.ts
+import { existsSync as existsSync2, readFileSync as readFileSync2 } from "node:fs";
+var EMPTY_PROFILE = {
+  owners: [],
+  ownNames: [],
+  ownIbans: [],
+  accountLabels: {},
+  merchantInfo: []
+};
+function loadProfile(path) {
+  if (!existsSync2(path))
+    return { ...EMPTY_PROFILE };
+  let raw;
+  try {
+    raw = JSON.parse(readFileSync2(path, "utf8"));
+  } catch (e) {
+    throw new Error(`profile load: ${path} is not valid JSON (${e.message})`);
+  }
+  const strList = (v) => Array.isArray(v) ? v.map((x) => String(x)) : [];
+  const nwRaw = raw.netWorth;
+  return {
+    owners: strList(raw.owners),
+    ownNames: strList(raw.ownNames),
+    ownIbans: strList(raw.ownIbans),
+    footer: isBilingual(raw.footer) ? raw.footer : undefined,
+    netWorth: nwRaw ? {
+      flatsRub: Number(nwRaw.flatsRub) || 0,
+      mortgageRub: Number(nwRaw.mortgageRub) || 0,
+      bcsNominalCny: Number(nwRaw.bcsNominalCny) || 0,
+      propertyApr: Number(nwRaw.propertyApr) || 0
+    } : undefined,
+    accountLabels: isRecord(raw.accountLabels) ? raw.accountLabels : {},
+    merchantInfo: Array.isArray(raw.merchantInfo) ? raw.merchantInfo : []
+  };
+}
+function isBilingual(v) {
+  return typeof v === "object" && v !== null && typeof v.en === "string";
+}
+function isRecord(v) {
+  return typeof v === "object" && v !== null && !Array.isArray(v);
+}
+
+// src/identity.ts
+var ownNames = [];
+var ownIbans = new Set;
+function normName(s) {
+  return s.toLowerCase().replace(/\s+/g, " ").trim();
+}
+function normIban(s) {
+  return s.toUpperCase().replace(/\s+/g, "");
+}
+function setIdentity(names, ibans) {
+  ownNames = names.map(normName).filter((n) => n.length > 0);
+  ownIbans = new Set(ibans.map(normIban).filter((i) => i.length > 0));
+}
+function matchesOwnName(text) {
+  if (ownNames.length === 0)
+    return false;
+  const t2 = normName(text);
+  return ownNames.some((n) => t2.includes(n));
+}
+function isOwnIban(iban) {
+  if (iban === "")
+    return false;
+  return ownIbans.has(normIban(iban));
+}
+
+// src/connectors/revolut.ts
+var TRANSFER_PREFIX = /Transfer\s+(from|to)\s/i;
+var REQUIRED_HEADERS = [
+  "Type",
+  "Started Date",
+  "Completed Date",
+  "Description",
+  "Amount",
+  "Fee",
+  "Currency",
+  "State"
+];
+function mapType(revolutType) {
+  switch (revolutType) {
+    case "Card Payment":
+    case "ATM":
+      return "spend";
+    case "Topup":
+    case "Card Refund":
+    case "CARD_CREDIT":
+    case "Rev Payment":
+      return "income";
+    case "Transfer":
+      return "transfer";
+    case "Fee":
+      return "fee";
+    case "Exchange":
+      return "exchange";
+    default:
+      return "unknown";
+  }
+}
+function datePart(timestamp) {
+  return timestamp.trim().split(" ")[0] ?? "";
+}
+function parseRevolut(text) {
+  const { header, records } = parseCsv(text);
+  for (const required of REQUIRED_HEADERS) {
+    if (!header.includes(required)) {
+      throw new Error(`parseRevolut: missing expected column "${required}". Header was: [${header.join(", ")}]`);
+    }
+  }
+  const rows = [];
+  for (const rec of records) {
+    const state = rec.get("State").trim();
+    if (state !== "COMPLETED")
+      continue;
+    const completed = datePart(rec.get("Completed Date"));
+    const started = datePart(rec.get("Started Date"));
+    const date = completed !== "" ? completed : started;
+    if (date === "")
+      continue;
+    const description = rec.get("Description").trim();
+    const amountRaw = rec.get("Amount").trim();
+    const feeRaw = rec.get("Fee").trim();
+    const currency = rec.get("Currency").trim().toUpperCase();
+    const amount = Number(amountRaw);
+    if (!Number.isFinite(amount)) {
+      throw new Error(`parseRevolut: non-numeric Amount "${amountRaw}" for "${description}" on ${date}`);
+    }
+    const fee = feeRaw === "" ? 0 : Number(feeRaw);
+    if (!Number.isFinite(fee)) {
+      throw new Error(`parseRevolut: non-numeric Fee "${feeRaw}" for "${description}" on ${date}`);
+    }
+    const type = mapType(rec.get("Type").trim());
+    const transferCandidate = TRANSFER_PREFIX.test(description) && matchesOwnName(description);
+    const balanceRaw = header.includes("Balance") ? rec.get("Balance").trim() : "";
+    let balance = null;
+    if (balanceRaw !== "") {
+      const parsed = Number(balanceRaw);
+      if (!Number.isFinite(parsed)) {
+        throw new Error(`parseRevolut: non-numeric Balance "${balanceRaw}" for "${description}" on ${date}`);
+      }
+      balance = parsed;
+    }
+    rows.push({
+      date,
+      merchant_raw: description,
+      amount_native: amount,
+      currency,
+      type,
+      fee,
+      note: "",
+      transferCandidate,
+      amountEur: null,
+      balance
+    });
+  }
+  return rows;
+}
+
+// src/connectors/n26.ts
+var REQUIRED_HEADERS2 = [
+  "Booking Date",
+  "Partner Name",
+  "Partner Iban",
+  "Type",
+  "Payment Reference",
+  "Amount (EUR)",
+  "Original Amount",
+  "Original Currency"
+];
+function mapType2(n26Type) {
+  switch (n26Type) {
+    case "Presentment":
+    case "Direct Debit":
+      return "spend";
+    case "Presentment Refund":
+      return "income";
+    case "MoneyBeam":
+      return "transfer";
+    case "Credit Transfer":
+    case "Debit Transfer":
+      return "transfer";
+    default:
+      return "unknown";
+  }
+}
+function parseN26(text) {
+  const { header, records } = parseCsv(text);
+  for (const required of REQUIRED_HEADERS2) {
+    if (!header.includes(required)) {
+      throw new Error(`parseN26: missing expected column "${required}". Header was: [${header.join(", ")}]`);
+    }
+  }
+  const rows = [];
+  for (const rec of records) {
+    const date = rec.get("Booking Date").trim();
+    if (date === "")
+      continue;
+    const partnerName = rec.get("Partner Name").trim();
+    const partnerIban = rec.get("Partner Iban").trim();
+    const n26Type = rec.get("Type").trim();
+    const reference = rec.get("Payment Reference").trim();
+    const amountEurRaw = rec.get("Amount (EUR)").trim();
+    const origAmountRaw = rec.get("Original Amount").trim();
+    const origCurrencyRaw = rec.get("Original Currency").trim().toUpperCase();
+    const amountEur = Number(amountEurRaw);
+    if (!Number.isFinite(amountEur)) {
+      throw new Error(`parseN26: non-numeric Amount (EUR) "${amountEurRaw}" for "${partnerName}" on ${date}`);
+    }
+    let amount_native;
+    let currency;
+    if (origAmountRaw !== "" && origCurrencyRaw !== "") {
+      const origMagnitude = Number(origAmountRaw);
+      if (!Number.isFinite(origMagnitude)) {
+        throw new Error(`parseN26: non-numeric Original Amount "${origAmountRaw}" for "${partnerName}" on ${date}`);
+      }
+      const sign = amountEur < 0 ? -1 : 1;
+      amount_native = sign * Math.abs(origMagnitude);
+      currency = origCurrencyRaw;
+    } else {
+      amount_native = amountEur;
+      currency = "EUR";
+    }
+    const note = reference !== "" && reference !== "-" ? reference : "";
+    const type = mapType2(n26Type);
+    const transferCandidate = n26Type === "MoneyBeam" || isOwnIban(partnerIban) || matchesOwnName(partnerName);
+    rows.push({
+      date,
+      merchant_raw: partnerName,
+      amount_native,
+      currency,
+      type,
+      fee: 0,
+      note,
+      transferCandidate,
+      amountEur,
+      balance: null
+    });
+  }
+  return rows;
+}
+
+// src/connectors/trading212.ts
+var REQUIRED_HEADERS3 = ["Action", "Time", "Total", "Currency (Total)"];
+function mapAction(action) {
+  const a = action.toLowerCase();
+  if (a === "deposit" || a === "withdrawal")
+    return "transfer";
+  if (a.includes("interest") || a.includes("dividend"))
+    return "income";
+  if (a.includes("buy") || a.includes("sell"))
+    return "exchange";
+  return "unknown";
+}
+function parseTrading212(text) {
+  const { header, records } = parseCsv(text);
+  for (const required of REQUIRED_HEADERS3) {
+    if (!header.includes(required)) {
+      throw new Error(`parseTrading212: missing expected column "${required}". Header was: [${header.join(", ")}]`);
+    }
+  }
+  const rows = [];
+  for (const rec of records) {
+    const time = rec.get("Time").trim();
+    if (time === "")
+      continue;
+    const date = time.slice(0, 10);
+    const action = rec.get("Action").trim();
+    const totalRaw = rec.get("Total").trim();
+    if (totalRaw === "")
+      continue;
+    const total = Number(totalRaw);
+    if (!Number.isFinite(total)) {
+      throw new Error(`parseTrading212: non-numeric Total "${totalRaw}" for action "${action}" on ${date}`);
+    }
+    const currency = (rec.get("Currency (Total)").trim() || "EUR").toUpperCase();
+    const name = rec.get("Name").trim();
+    const notes = rec.get("Notes").trim();
+    const type = mapAction(action);
+    const txnId = header.includes("ID") ? rec.get("ID").trim() : "";
+    rows.push({
+      date,
+      merchant_raw: name !== "" ? name : action,
+      amount_native: total,
+      currency,
+      type,
+      fee: 0,
+      note: notes !== "" ? notes : action,
+      transferCandidate: type === "transfer",
+      amountEur: currency === "EUR" ? total : null,
+      balance: null,
+      dedupExtra: txnId
+    });
+  }
+  return rows;
+}
+
+// src/connectors/tbank.ts
+var REQUIRED_HEADERS4 = [
+  "Дата операции",
+  "Статус",
+  "Сумма операции",
+  "Валюта операции",
+  "Сумма платежа",
+  "Валюта платежа",
+  "Категория",
+  "Описание"
+];
+var BANK_FEE_CATEGORY = "Услуги банка";
+function parseAmount(raw) {
+  const normalized = raw.replace(/[\s  ]/g, "").replace(",", ".");
+  return Number(normalized);
+}
+function toIsoDate(raw) {
+  const dmy = raw.trim().slice(0, 10).split(".");
+  if (dmy.length !== 3)
+    return "";
+  const [dd, mm, yyyy] = dmy;
+  if (!/^\d{2}$/.test(dd) || !/^\d{2}$/.test(mm) || !/^\d{4}$/.test(yyyy))
+    return "";
+  return `${yyyy}-${mm}-${dd}`;
+}
+function timePart(raw) {
+  const t2 = raw.trim().slice(11);
+  return /^\d{2}:\d{2}:\d{2}$/.test(t2) ? t2 : "";
+}
+function parseTbank(text) {
+  const { header, records } = parseCsv(text, ";");
+  for (const required of REQUIRED_HEADERS4) {
+    if (!header.includes(required)) {
+      throw new Error(`parseTbank: missing expected column "${required}". Header was: [${header.join(", ")}]`);
+    }
+  }
+  const rows = [];
+  for (const rec of records) {
+    if (rec.get("Статус").trim() !== "OK")
+      continue;
+    const opTimestamp = rec.get("Дата операции");
+    const date = toIsoDate(opTimestamp);
+    if (date === "")
+      continue;
+    let amountRaw = rec.get("Сумма платежа").trim();
+    let currency = rec.get("Валюта платежа").trim().toUpperCase();
+    if (amountRaw === "") {
+      amountRaw = rec.get("Сумма операции").trim();
+      currency = rec.get("Валюта операции").trim().toUpperCase();
+    }
+    if (amountRaw === "")
+      continue;
+    const amount = parseAmount(amountRaw);
+    if (!Number.isFinite(amount)) {
+      throw new Error(`parseTbank: non-numeric amount "${amountRaw}" on ${date}`);
+    }
+    if (currency === "")
+      currency = "RUB";
+    const description = rec.get("Описание").trim();
+    const tbankCategory = rec.get("Категория").trim();
+    const type = tbankCategory === BANK_FEE_CATEGORY ? "fee" : amount < 0 ? "spend" : "income";
+    const opAmountRaw = rec.get("Сумма операции").trim();
+    const opCurrency = rec.get("Валюта операции").trim().toUpperCase();
+    const noteParts = [];
+    if (tbankCategory !== "")
+      noteParts.push(tbankCategory);
+    if (opCurrency !== "" && opCurrency !== currency && opAmountRaw !== "") {
+      noteParts.push(`ориг. ${opAmountRaw} ${opCurrency}`);
+    }
+    rows.push({
+      date,
+      merchant_raw: description,
+      amount_native: amount,
+      currency,
+      type,
+      fee: 0,
+      note: noteParts.join(" · "),
+      transferCandidate: false,
+      amountEur: currency === "EUR" ? amount : null,
+      balance: null,
+      dedupExtra: timePart(opTimestamp)
+    });
+  }
+  return rows;
+}
+
+// src/connectors/alfa.ts
+var REQUIRED_HEADERS5 = [
+  "operationDate",
+  "accountName",
+  "merchant",
+  "amount",
+  "currency",
+  "type"
+];
+var SAVINGS_ACCOUNT = /депозит|накопительн/i;
+var INTEREST = /выплата\s+проц|процент/i;
+function toIsoDate2(raw) {
+  const dmy = raw.trim().slice(0, 10).split(".");
+  if (dmy.length !== 3)
+    return "";
+  const [dd, mm, yyyy] = dmy;
+  if (!/^\d{2}$/.test(dd) || !/^\d{2}$/.test(mm) || !/^\d{4}$/.test(yyyy))
+    return "";
+  return `${yyyy}-${mm}-${dd}`;
+}
+function parseMagnitude(raw) {
+  return Number(raw.replace(/\s/g, "").replace(",", "."));
+}
+function parseAlfa(text) {
+  const clean = text.charCodeAt(0) === 65279 ? text.slice(1) : text;
+  const { header, records } = parseCsv(clean);
+  for (const required of REQUIRED_HEADERS5) {
+    if (!header.includes(required)) {
+      throw new Error(`parseAlfa: missing expected column "${required}". Header was: [${header.join(", ")}]`);
+    }
+  }
+  const rows = [];
+  for (const rec of records) {
+    const accountName = rec.get("accountName").trim();
+    if (!SAVINGS_ACCOUNT.test(accountName))
+      continue;
+    const date = toIsoDate2(rec.get("operationDate"));
+    if (date === "")
+      continue;
+    const magnitude = parseMagnitude(rec.get("amount").trim());
+    if (!Number.isFinite(magnitude)) {
+      throw new Error(`parseAlfa: non-numeric amount "${rec.get("amount")}" on ${date}`);
+    }
+    const direction = rec.get("type").trim() === "Списание" ? -1 : 1;
+    const amount = direction * magnitude;
+    let currency = rec.get("currency").trim().toUpperCase();
+    if (currency === "RUR")
+      currency = "RUB";
+    const merchant = rec.get("merchant").trim();
+    const comment = header.includes("comment") ? rec.get("comment").trim() : "";
+    const category = header.includes("category") ? rec.get("category").trim() : "";
+    const isInterest = INTEREST.test(merchant) || INTEREST.test(comment);
+    const type = isInterest ? "income" : "transfer";
+    rows.push({
+      date,
+      merchant_raw: merchant !== "" ? merchant : accountName,
+      amount_native: amount,
+      currency,
+      type,
+      fee: 0,
+      note: category,
+      transferCandidate: type === "transfer",
+      amountEur: currency === "EUR" ? amount : null,
+      balance: null
+    });
+  }
+  return rows;
+}
+
+// src/connectors/index.ts
+var CONNECTORS = {
+  revolut: parseRevolut,
+  n26: parseN26,
+  trading212: parseTrading212,
+  tbank: parseTbank,
+  alfa: parseAlfa
+};
+function getConnector(name) {
+  return CONNECTORS[name] ?? null;
+}
+function connectorNames() {
+  return Object.keys(CONNECTORS);
+}
+
+// src/fx.ts
+import { existsSync as existsSync3, readFileSync as readFileSync3 } from "node:fs";
+function loadRates(path) {
+  const rates = new Map;
+  if (!existsSync3(path)) {
+    return { rates };
+  }
+  const text = readFileSync3(path, "utf8");
+  if (text.trim().length === 0) {
+    return { rates };
+  }
+  const { records } = parseCsv(text);
+  for (const rec of records) {
+    const month = rec.get("month").trim();
+    const currency = rec.get("currency").trim().toUpperCase();
+    const raw = rec.get("rate_to_eur").trim();
+    if (month === "" && currency === "" && raw === "")
+      continue;
+    const rate = Number(raw);
+    if (!Number.isFinite(rate)) {
+      throw new Error(`loadRates: non-numeric rate_to_eur "${raw}" for ${month}/${currency} in ${path}`);
+    }
+    rates.set(`${month}|${currency}`, rate);
+  }
+  return { rates };
+}
+function monthOf2(isoDate) {
+  return isoDate.slice(0, 7);
+}
+function toEur(amount_native, currency, isoDate, table) {
+  const cur = currency.toUpperCase();
+  if (cur === "EUR") {
+    return { amount_eur: amount_native, missing: null };
+  }
+  const month = monthOf2(isoDate);
+  const rate = table.rates.get(`${month}|${cur}`) ?? table.rates.get(`*|${cur}`);
+  if (rate === undefined) {
+    return { amount_eur: null, missing: { month, currency: cur } };
+  }
+  return { amount_eur: round22(amount_native * rate), missing: null };
+}
+function rateToEur(table, currency, isoDate) {
+  const cur = currency.toUpperCase();
+  if (cur === "EUR")
+    return 1;
+  if (isoDate !== undefined) {
+    const exact = table.rates.get(`${monthOf2(isoDate)}|${cur}`);
+    if (exact !== undefined)
+      return exact;
+  }
+  return table.rates.get(`*|${cur}`) ?? null;
+}
+function round22(n) {
+  const r = Math.round((n + Number.EPSILON) * 100) / 100;
+  return r === 0 ? 0 : r;
+}
+
+// src/savings.ts
+import { existsSync as existsSync4, readFileSync as readFileSync4 } from "node:fs";
+var VALID_SCOPES2 = new Set(["account", "marker", "anchor"]);
+function savingsConfigured(config) {
+  return config.accounts.length > 0 || config.markers.length > 0 || config.anchors.length > 0;
+}
+function loadSavingsConfig(path) {
+  const empty = { accounts: [], markers: [], anchors: [] };
+  if (!existsSync4(path))
+    return empty;
+  const text = readFileSync4(path, "utf8");
+  if (text.trim().length === 0)
+    return empty;
+  const { records } = parseCsv(text);
+  const accounts = [];
+  const markers = [];
+  const anchors = [];
+  records.forEach((rec, i) => {
+    const scope = rec.get("scope").trim().toLowerCase();
+    const value = rec.get("value").trim();
+    const balanceRaw = rec.get("balance_eur").trim();
+    if (scope === "" && value === "" && balanceRaw === "")
+      return;
+    if (!VALID_SCOPES2.has(scope)) {
+      throw new Error(`loadSavingsConfig: row ${i + 2}: invalid scope "${scope}" (expected account|marker|anchor)`);
+    }
+    if (value === "") {
+      throw new Error(`loadSavingsConfig: row ${i + 2}: empty value`);
+    }
+    if (scope === "anchor") {
+      if (balanceRaw === "") {
+        throw new Error(`loadSavingsConfig: row ${i + 2}: anchor "${value}" needs a balance_eur`);
+      }
+      const balanceEur = Number(balanceRaw);
+      if (!Number.isFinite(balanceEur)) {
+        throw new Error(`loadSavingsConfig: row ${i + 2}: non-numeric balance_eur "${balanceRaw}" for anchor "${value}"`);
+      }
+      anchors.push({ label: value, balanceEur });
+      return;
+    }
+    const dest = { match: value.toLowerCase(), label: value };
+    if (scope === "account")
+      accounts.push(dest);
+    else
+      markers.push(dest);
+  });
+  return { accounts, markers, anchors };
+}
+function savingsFlowEur(tx, config) {
+  if (tx.amount_eur === null)
+    return 0;
+  const acct = tx.account.trim().toLowerCase();
+  if (tx.type === "transfer" && config.accounts.some((a) => a.match === acct)) {
+    return tx.amount_eur;
+  }
+  const merchant = tx.merchant_raw.trim().toLowerCase();
+  if (config.markers.some((m) => m.match === merchant)) {
+    return tx.amount_eur;
+  }
+  return 0;
+}
+function monthOf3(isoDate) {
+  return isoDate.slice(0, 7);
+}
+function round23(n) {
+  const r = Math.round((n + Number.EPSILON) * 100) / 100;
+  return r === 0 ? 0 : r;
+}
+function savingsFlowByMonth(txs, config) {
+  const byMonth = new Map;
+  for (const tx of txs) {
+    const flow = savingsFlowEur(tx, config);
+    if (flow === 0)
+      continue;
+    const m = monthOf3(tx.date);
+    byMonth.set(m, (byMonth.get(m) ?? 0) + flow);
+  }
+  for (const [m, v] of byMonth)
+    byMonth.set(m, round23(v));
+  return new Map([...byMonth].sort((a, b) => a[0] < b[0] ? -1 : 1));
+}
+function savingsSeries(txs, config) {
+  const defs = [
+    ...config.accounts.map((a) => ({ ...a, kind: "account" })),
+    ...config.markers.map((m) => ({ ...m, kind: "marker" }))
+  ];
+  const flow = new Map;
+  for (const d of defs)
+    flow.set(d.match, new Map);
+  for (const tx of txs) {
+    if (tx.amount_eur === null)
+      continue;
+    const acct = tx.account.trim().toLowerCase();
+    const accDef = config.accounts.find((a) => a.match === acct);
+    if (accDef !== undefined && tx.type === "transfer") {
+      addFlow(flow.get(accDef.match), monthOf3(tx.date), tx.amount_eur);
+      continue;
+    }
+    const merchant = tx.merchant_raw.trim().toLowerCase();
+    const mkDef = config.markers.find((m) => m.match === merchant);
+    if (mkDef !== undefined)
+      addFlow(flow.get(mkDef.match), monthOf3(tx.date), tx.amount_eur);
+  }
+  const monthSet = new Set;
+  for (const perMonth of flow.values())
+    for (const m of perMonth.keys())
+      monthSet.add(m);
+  const months = [...monthSet].sort();
+  const lines = defs.map((d) => {
+    const perMonth = flow.get(d.match);
+    let running = 0;
+    const values = months.map((m) => {
+      running = round23(running + (perMonth.get(m) ?? 0));
+      return running;
+    });
+    return { key: d.match, label: d.label, kind: d.kind, values };
+  });
+  const anchorsTotal = config.anchors.reduce((s, a) => s + a.balanceEur, 0);
+  const total = months.map((_, i) => round23(lines.reduce((s, l) => s + l.values[i], 0) + anchorsTotal));
+  return { months, total, lines };
+}
+function addFlow(m, month, eur2) {
+  m.set(month, (m.get(month) ?? 0) + eur2);
+}
+function savingsStock(txs, config) {
+  const accountSums = new Map;
+  const markerSums = new Map;
+  for (const tx of txs) {
+    if (tx.amount_eur === null)
+      continue;
+    const acct = tx.account.trim().toLowerCase();
+    const acctDest = config.accounts.find((a) => a.match === acct);
+    if (acctDest !== undefined && tx.type === "transfer") {
+      accountSums.set(acctDest.match, (accountSums.get(acctDest.match) ?? 0) + tx.amount_eur);
+      continue;
+    }
+    const merchant = tx.merchant_raw.trim().toLowerCase();
+    const markerDest = config.markers.find((m) => m.match === merchant);
+    if (markerDest !== undefined) {
+      markerSums.set(markerDest.match, (markerSums.get(markerDest.match) ?? 0) + tx.amount_eur);
+    }
+  }
+  const components = [];
+  for (const a of config.accounts) {
+    components.push({ label: a.label, eur: round23(accountSums.get(a.match) ?? 0), kind: "account" });
+  }
+  for (const m of config.markers) {
+    components.push({ label: m.label, eur: round23(markerSums.get(m.match) ?? 0), kind: "marker" });
+  }
+  for (const anc of config.anchors) {
+    components.push({ label: anc.label, eur: round23(anc.balanceEur), kind: "anchor" });
+  }
+  const totalEur = round23(components.reduce((s, c) => s + c.eur, 0));
+  return { totalEur, components };
+}
+var DEFAULT_RATE_LOOKBACK = 12;
+function currentMonth(now) {
+  return `${now.getUTCFullYear()}-${String(now.getUTCMonth() + 1).padStart(2, "0")}`;
+}
+function previousMonth(month) {
+  return trailingMonths(month, 2)[0];
+}
+function recentMonthlyRate(txs, config, options = {}) {
+  const lookback = options.lookbackMonths ?? DEFAULT_RATE_LOOKBACK;
+  const asOf = options.asOf ?? new Date;
+  const lastComplete = previousMonth(currentMonth(asOf));
+  const flow = savingsFlowByMonth(txs, config);
+  const flowMonths = [...flow.keys()];
+  if (flowMonths.length === 0)
+    return 0;
+  const firstFlow = flowMonths[0];
+  if (lastComplete < firstFlow)
+    return 0;
+  const window = trailingMonths(lastComplete, lookback).filter((m) => m >= firstFlow);
+  if (window.length === 0)
+    return 0;
+  const sum = window.reduce((s, m) => s + (flow.get(m) ?? 0), 0);
+  return round23(sum / window.length);
+}
+function trailingMonths(lastMonth, count) {
+  const [yStr, mStr] = lastMonth.split("-");
+  let y = Number(yStr);
+  let m = Number(mStr);
+  const out = [];
+  for (let i = 0;i < count; i++) {
+    out.push(`${y}-${String(m).padStart(2, "0")}`);
+    m -= 1;
+    if (m === 0) {
+      m = 12;
+      y -= 1;
+    }
+  }
+  return out.reverse();
+}
+
+// src/projection.ts
+function round24(n) {
+  const r = Math.round((n + Number.EPSILON) * 100) / 100;
+  return r === 0 ? 0 : r;
+}
+function projectAt(input, month) {
+  if (!Number.isInteger(month) || month < 0) {
+    throw new Error(`projectAt: month must be a non-negative integer (got ${month})`);
+  }
+  const eur2 = round24(input.startEur + input.monthlyRateEur * month);
+  const rubPerEur = input.rubPerEur ?? null;
+  return { month, eur: eur2, rub: rubPerEur === null ? null : round24(eur2 * rubPerEur) };
+}
+
+// src/hash.ts
+import { createHash } from "node:crypto";
+function transactionId(input) {
+  const amount = input.amount_native.toFixed(2);
+  const fields = [
+    input.data_source,
+    input.account,
+    input.date,
+    input.merchant_raw,
+    amount,
+    input.currency
+  ];
+  if (input.dedupExtra)
+    fields.push(input.dedupExtra);
+  return createHash("sha256").update(fields.join("|"), "utf8").digest("hex").slice(0, 16);
+}
+
+// src/ledger.ts
+import { copyFileSync, existsSync as existsSync5, mkdirSync, readFileSync as readFileSync5, writeFileSync } from "node:fs";
+import { basename, dirname, join } from "node:path";
+
+// src/types.ts
+var TX_TYPES = [
+  "spend",
+  "income",
+  "transfer",
+  "fee",
+  "exchange",
+  "unknown"
+];
+function isTxType(value) {
+  return TX_TYPES.includes(value);
+}
+function isOwner(value) {
+  return value.trim().length > 0;
+}
+var LEDGER_COLUMNS = [
+  "id",
+  "date",
+  "data_source",
+  "account",
+  "owner",
+  "merchant_raw",
+  "merchant_clean",
+  "amount_native",
+  "currency",
+  "amount_eur",
+  "category",
+  "type",
+  "is_transfer",
+  "transfer_group",
+  "fee",
+  "note",
+  "source_file",
+  "balance"
+];
+
+// src/ledger.ts
+function txToRow(tx) {
+  return [
+    tx.id,
+    tx.date,
+    tx.data_source,
+    tx.account,
+    tx.owner,
+    tx.merchant_raw,
+    tx.merchant_clean,
+    formatAmount(tx.amount_native),
+    tx.currency,
+    tx.amount_eur === null ? "" : formatAmount(tx.amount_eur),
+    tx.category,
+    tx.type,
+    tx.is_transfer ? "true" : "false",
+    tx.transfer_group,
+    formatAmount(tx.fee),
+    tx.note,
+    tx.source_file,
+    tx.balance === null ? "" : formatAmount(tx.balance)
+  ];
+}
+function formatAmount(n) {
+  return n.toFixed(2);
+}
+function parseAmount2(raw, label) {
+  const n = Number(raw);
+  if (!Number.isFinite(n)) {
+    throw new Error(`ledger load: non-numeric ${label} "${raw}"`);
+  }
+  return n;
+}
+function rowToTx(get, rowNum) {
+  const owner = get("owner").trim();
+  if (!isOwner(owner)) {
+    throw new Error(`ledger load: row ${rowNum}: invalid owner "${owner}"`);
+  }
+  const type = get("type").trim();
+  if (!isTxType(type)) {
+    throw new Error(`ledger load: row ${rowNum}: invalid type "${type}"`);
+  }
+  const eurRaw = get("amount_eur").trim();
+  const isTransferRaw = get("is_transfer").trim();
+  const balanceRaw = get("balance").trim();
+  return {
+    id: get("id").trim(),
+    date: get("date").trim(),
+    data_source: get("data_source").trim(),
+    account: get("account").trim(),
+    owner,
+    merchant_raw: get("merchant_raw"),
+    merchant_clean: get("merchant_clean"),
+    amount_native: parseAmount2(get("amount_native"), "amount_native"),
+    currency: get("currency").trim(),
+    amount_eur: eurRaw === "" ? null : parseAmount2(eurRaw, "amount_eur"),
+    category: get("category"),
+    type,
+    is_transfer: isTransferRaw === "true",
+    transfer_group: get("transfer_group").trim(),
+    fee: parseAmount2(get("fee"), "fee"),
+    note: get("note"),
+    source_file: get("source_file"),
+    balance: balanceRaw === "" ? null : parseAmount2(balanceRaw, "balance")
+  };
+}
+function loadLedger(path) {
+  if (!existsSync5(path))
+    return [];
+  const text = readFileSync5(path, "utf8");
+  if (text.trim().length === 0)
+    return [];
+  const { header, records } = parseCsv(text);
+  const present = new Set(header);
+  return records.map((rec, i) => rowToTx((c) => present.has(c) ? rec.get(c) : "", i + 2));
+}
+function writeLedger(path, txs) {
+  mkdirSync(dirname(path), { recursive: true });
+  const rows = txs.map(txToRow);
+  writeFileSync(path, writeCsv(LEDGER_COLUMNS, rows), "utf8");
+}
+function appendDeduped(existing, candidates) {
+  const seen = new Set(existing.map((t2) => t2.id));
+  const merged = [...existing];
+  let appended = 0;
+  let skippedDuplicate = 0;
+  for (const cand of candidates) {
+    if (seen.has(cand.id)) {
+      skippedDuplicate += 1;
+      continue;
+    }
+    seen.add(cand.id);
+    merged.push(cand);
+    appended += 1;
+  }
+  return { appended, skippedDuplicate, merged };
+}
+function archiveRaw(dataDir, source, sourceFilePath) {
+  const name = basename(sourceFilePath);
+  const destDir = join(dataDir, "raw", source);
+  mkdirSync(destDir, { recursive: true });
+  copyFileSync(sourceFilePath, join(destDir, name));
+  return name;
+}
+
+// src/rules.ts
+import { existsSync as existsSync6, readFileSync as readFileSync6 } from "node:fs";
+var MATCH_TYPES = ["substring", "regex", "exact"];
+function isMatchType(value) {
+  return MATCH_TYPES.includes(value);
+}
+var ALLOWED_FIELDS = new Set([
+  "merchant_raw",
+  "merchant_clean",
+  "note",
+  "account",
+  "data_source"
+]);
+function loadRules(path) {
+  if (!existsSync6(path))
+    return [];
+  const text = readFileSync6(path, "utf8");
+  if (text.trim().length === 0)
+    return [];
+  const { records } = parseCsv(text);
+  const rules = [];
+  records.forEach((rec, i) => {
+    const pattern = rec.get("pattern");
+    const matchTypeRaw = rec.get("match_type").trim();
+    const fieldRaw = rec.get("field").trim() || "merchant_raw";
+    const category = rec.get("category").trim();
+    const typeRaw = rec.get("type").trim();
+    if (pattern === "" && matchTypeRaw === "" && category === "")
+      return;
+    if (!isMatchType(matchTypeRaw)) {
+      throw new Error(`loadRules: row ${i + 2}: invalid match_type "${matchTypeRaw}" (expected substring|regex|exact)`);
+    }
+    if (!ALLOWED_FIELDS.has(fieldRaw)) {
+      throw new Error(`loadRules: row ${i + 2}: unsupported field "${fieldRaw}" (allowed: ${[...ALLOWED_FIELDS].join(", ")})`);
+    }
+    let type = null;
+    if (typeRaw !== "") {
+      if (!isTxType(typeRaw)) {
+        throw new Error(`loadRules: row ${i + 2}: invalid type "${typeRaw}"`);
+      }
+      type = typeRaw;
+    }
+    let regex = null;
+    if (matchTypeRaw === "regex") {
+      try {
+        regex = new RegExp(pattern, "i");
+      } catch (err) {
+        throw new Error(`loadRules: row ${i + 2}: invalid regex "${pattern}": ${err.message}`);
+      }
+    }
+    rules.push({
+      pattern,
+      matchType: matchTypeRaw,
+      field: fieldRaw,
+      category,
+      type,
+      regex
+    });
+  });
+  return rules;
+}
+function fieldValue(tx, field) {
+  const v = tx[field];
+  return typeof v === "string" ? v : String(v);
+}
+function ruleMatches(rule, tx) {
+  const value = fieldValue(tx, rule.field);
+  switch (rule.matchType) {
+    case "substring":
+      return value.toLowerCase().includes(rule.pattern.toLowerCase());
+    case "exact":
+      return value === rule.pattern;
+    case "regex":
+      return rule.regex.test(value);
+    default: {
+      const _never = rule.matchType;
+      throw new Error(`ruleMatches: unhandled match_type ${String(_never)}`);
+    }
+  }
+}
+function firstMatch(rules, tx) {
+  for (const rule of rules) {
+    if (ruleMatches(rule, tx))
+      return rule;
+  }
+  return null;
+}
+function summarizeUnknowns(txs) {
+  const byMerchant = new Map;
+  for (const tx of txs) {
+    if (tx.category !== "")
+      continue;
+    const key = tx.merchant_raw;
+    const existing = byMerchant.get(key);
+    const entry = existing ?? { merchant_raw: key, count: 0, totalEur: 0, missingEurCount: 0 };
+    entry.count += 1;
+    if (tx.amount_eur === null) {
+      entry.missingEurCount += 1;
+    } else {
+      entry.totalEur += Math.abs(tx.amount_eur);
+    }
+    byMerchant.set(key, entry);
+  }
+  return [...byMerchant.values()].sort((a, b) => b.totalEur - a.totalEur);
+}
+
+// src/recurring.ts
+var DEFAULT_RECURRING_OPTIONS = {
+  minMonths: 4
+};
+function detectRecurring(txs, tiers, options = {}) {
+  const minMonths = options.minMonths ?? DEFAULT_RECURRING_OPTIONS.minMonths;
+  const from = options.from;
+  const byMerchant = new Map;
+  for (const tx of txs) {
+    const month = tx.date.slice(0, 7);
+    if (from !== undefined && month < from)
+      continue;
+    if (isAnalyticsExcluded(tx))
+      continue;
+    if (tx.amount_eur === null || tx.amount_eur >= 0)
+      continue;
+    const key = tx.merchant_raw;
+    if (key.trim() === "")
+      continue;
+    let a = byMerchant.get(key);
+    if (a === undefined) {
+      a = {
+        months: new Set,
+        totalEur: 0,
+        count: 0,
+        accounts: new Set,
+        category: tx.category,
+        firstMonth: month,
+        lastMonth: month
+      };
+      byMerchant.set(key, a);
+    }
+    a.months.add(month);
+    a.totalEur += Math.abs(tx.amount_eur);
+    a.count += 1;
+    a.accounts.add(tx.account);
+    if (tx.category !== "")
+      a.category = tx.category;
+    if (month < a.firstMonth)
+      a.firstMonth = month;
+    if (month > a.lastMonth)
+      a.lastMonth = month;
+  }
+  const out = [];
+  for (const [merchant_raw, a] of byMerchant) {
+    if (a.months.size < minMonths)
+      continue;
+    const category = a.category === "" ? "—" : a.category;
+    out.push({
+      merchant_raw,
+      monthsCount: a.months.size,
+      totalEur: a.totalEur,
+      perMonth: a.totalEur / a.months.size,
+      count: a.count,
+      category,
+      tier: tierOf(tiers, category, merchant_raw),
+      accounts: [...a.accounts].sort(),
+      firstMonth: a.firstMonth,
+      lastMonth: a.lastMonth
+    });
+  }
+  return out.sort((x, y) => {
+    if (y.perMonth !== x.perMonth)
+      return y.perMonth - x.perMonth;
+    return x.merchant_raw < y.merchant_raw ? -1 : x.merchant_raw > y.merchant_raw ? 1 : 0;
+  });
+}
+
+// src/transfers.ts
+var DEFAULT_TRANSFER_OPTIONS = {
+  toleranceEur: 1.5,
+  maxDayGap: 3
+};
+function isCandidate(tx) {
+  return tx.is_transfer || tx.type === "transfer";
+}
+function dayGap(isoA, isoB) {
+  const a = Date.parse(isoA + "T00:00:00Z");
+  const b = Date.parse(isoB + "T00:00:00Z");
+  if (Number.isNaN(a) || Number.isNaN(b))
+    return Number.POSITIVE_INFINITY;
+  return Math.abs(a - b) / 86400000;
+}
+function groupIdFor(idA, idB) {
+  const [first, second] = [idA, idB].sort();
+  return `tg_${first}_${second}`;
+}
+function matchTransfers(txs, options = DEFAULT_TRANSFER_OPTIONS) {
+  const updated = txs.map((t2) => ({ ...t2 }));
+  const byId = new Map(updated.map((t2) => [t2.id, t2]));
+  const candidates = updated.filter((t2) => isCandidate(t2) && t2.transfer_group === "" && t2.amount_eur !== null).sort((a, b) => a.date < b.date ? -1 : a.date > b.date ? 1 : 0);
+  const consumed = new Set;
+  const pairs = [];
+  for (let i = 0;i < candidates.length; i++) {
+    const legA = candidates[i];
+    if (consumed.has(legA.id))
+      continue;
+    const eurA = legA.amount_eur;
+    for (let j = i + 1;j < candidates.length; j++) {
+      const legB = candidates[j];
+      if (consumed.has(legB.id))
+        continue;
+      if (legB.account === legA.account)
+        continue;
+      const eurB = legB.amount_eur;
+      const oppositeSign = Math.sign(eurA) !== Math.sign(eurB) && eurA !== 0 && eurB !== 0;
+      if (!oppositeSign)
+        continue;
+      if (Math.abs(Math.abs(eurA) - Math.abs(eurB)) > options.toleranceEur)
+        continue;
+      if (dayGap(legA.date, legB.date) > options.maxDayGap)
+        continue;
+      const outflow = eurA < 0 ? legA : legB;
+      const inflow = eurA < 0 ? legB : legA;
+      const groupId = groupIdFor(legA.id, legB.id);
+      for (const id of [legA.id, legB.id]) {
+        const tx = byId.get(id);
+        tx.is_transfer = true;
+        tx.transfer_group = groupId;
+        if (tx.type === "unknown" || tx.type === "spend" || tx.type === "income") {
+          tx.type = "transfer";
+        }
+      }
+      consumed.add(legA.id);
+      consumed.add(legB.id);
+      pairs.push({ groupId, outflow, inflow });
+      break;
+    }
+  }
+  const unmatched = candidates.filter((t2) => !consumed.has(t2.id));
+  return { pairs, unmatched, updated };
+}
+
+// src/cli.ts
+var HERE = dirname2(fileURLToPath(import.meta.url));
+var ROOT = basename2(HERE) === "src" ? dirname2(HERE) : HERE;
+var DATA_DIR = join2(ROOT, "data");
+var LEDGER_PATH = join2(DATA_DIR, "ledger.csv");
+var RULES_PATH = join2(DATA_DIR, "rules.csv");
+var RATES_PATH = join2(DATA_DIR, "rates.csv");
+var TIERS_PATH = join2(DATA_DIR, "tiers.csv");
+var SAVINGS_PATH = join2(DATA_DIR, "savings.csv");
+var PROFILE_PATH = join2(DATA_DIR, "profile.json");
+var PROFILE = EMPTY_PROFILE;
+function parseArgs(argv) {
+  const positionals = [];
+  const flags = new Map;
+  for (let i = 0;i < argv.length; i++) {
+    const a = argv[i];
+    if (a.startsWith("--")) {
+      const key = a.slice(2);
+      const next = argv[i + 1];
+      if (next !== undefined && !next.startsWith("--")) {
+        flags.set(key, next);
+        i++;
+      } else {
+        flags.set(key, true);
+      }
+    } else {
+      positionals.push(a);
+    }
+  }
+  return { positionals, flags };
+}
+function flagString(args, name) {
+  const v = args.flags.get(name);
+  return typeof v === "string" ? v : undefined;
+}
+function hasFlag(args, name) {
+  return args.flags.has(name);
+}
+function fmtEur(n) {
+  return n === null ? "—" : n.toFixed(2);
+}
+function fmtNative(n) {
+  return n.toFixed(2);
+}
+function padEnd(s, w) {
+  return s.length >= w ? s.slice(0, w) : s + " ".repeat(w - s.length);
+}
+function padStart(s, w) {
+  return s.length >= w ? s.slice(0, w) : " ".repeat(w - s.length) + s;
+}
+async function cmdImport(args) {
+  const [source, file] = args.positionals;
+  const account = flagString(args, "account");
+  const ownerRaw = flagString(args, "owner");
+  const ownerHint = PROFILE.owners.length > 0 ? PROFILE.owners.join("|") : "owner";
+  if (!source || !file) {
+    console.error(`usage: kopeika import <${connectorNames().join("|")}> <file> --account <name> --owner <${ownerHint}>`);
+    return 1;
+  }
+  const connector = getConnector(source);
+  if (!connector) {
+    console.error(`unknown source "${source}". Known: ${connectorNames().join(", ")}`);
+    return 1;
+  }
+  if (!account) {
+    console.error("--account <name> is required (e.g. revolut-eur, n26-alex)");
+    return 1;
+  }
+  if (!ownerRaw || !isOwner(ownerRaw)) {
+    console.error(`--owner is required (a non-empty label like ${ownerHint})`);
+    return 1;
+  }
+  if (PROFILE.owners.length > 0 && !PROFILE.owners.includes(ownerRaw)) {
+    console.error(`--owner "${ownerRaw}" is not in your profile owners: ${PROFILE.owners.join(", ")}`);
+    return 1;
+  }
+  const owner = ownerRaw;
+  if (!existsSync7(file)) {
+    console.error(`file not found: ${file}`);
+    return 1;
+  }
+  const rawText = readFileSync7(file, "utf8");
+  const parsedRows = connector(rawText);
+  const rawDataRowCount = countDataRows(rawText);
+  const skippedNonCompleted = rawDataRowCount - parsedRows.length;
+  const sourceFile = archiveRaw(DATA_DIR, source, file);
+  const rates = loadRates(RATES_PATH);
+  const missingRates = new Map;
+  const candidates = parsedRows.map((row) => {
+    let amountEur;
+    if (row.amountEur !== null) {
+      amountEur = row.amountEur;
+    } else {
+      const fx = toEur(row.amount_native, row.currency, row.date, rates);
+      amountEur = fx.amount_eur;
+      if (fx.missing) {
+        missingRates.set(`${fx.missing.month}|${fx.missing.currency}`, fx.missing);
+      }
+    }
+    const id = transactionId({
+      data_source: source,
+      account,
+      date: row.date,
+      merchant_raw: row.merchant_raw,
+      amount_native: row.amount_native,
+      currency: row.currency,
+      dedupExtra: row.dedupExtra
+    });
+    const tx = {
+      id,
+      date: row.date,
+      data_source: source,
+      account,
+      owner,
+      merchant_raw: row.merchant_raw,
+      merchant_clean: row.merchant_raw,
+      amount_native: row.amount_native,
+      currency: row.currency,
+      amount_eur: amountEur,
+      category: "",
+      type: row.type,
+      is_transfer: row.transferCandidate,
+      transfer_group: "",
+      fee: row.fee,
+      note: row.note,
+      source_file: sourceFile,
+      balance: row.balance
+    };
+    return tx;
+  });
+  const existing = loadLedger(LEDGER_PATH);
+  const { appended, skippedDuplicate, merged } = appendDeduped(existing, candidates);
+  writeLedger(LEDGER_PATH, merged);
+  console.log(`imported ${appended} / skipped-dup ${skippedDuplicate} / skipped-non-completed ${skippedNonCompleted}`);
+  if (missingRates.size > 0) {
+    console.log("");
+    console.log(`⚠ missing FX rates for ${missingRates.size} (month, currency) pair(s) — amount_eur left empty:`);
+    for (const { month, currency } of [...missingRates.values()].sort((a, b) => `${a.month}${a.currency}`.localeCompare(`${b.month}${b.currency}`))) {
+      console.log(`    ${month}  ${currency}   (add a row to data/rates.csv: ${month},${currency},<rate_to_eur>)`);
+    }
+  }
+  return 0;
+}
+function countDataRows(text) {
+  return parseCsv(text).records.length;
+}
+async function cmdCategorize(args) {
+  const review = hasFlag(args, "review");
+  const ledger = loadLedger(LEDGER_PATH);
+  if (ledger.length === 0) {
+    console.log("ledger is empty — import something first.");
+    return 0;
+  }
+  if (review) {
+    const unknowns = summarizeUnknowns(ledger);
+    if (unknowns.length === 0) {
+      console.log("no uncategorized merchants — every row has a category. \uD83C\uDF89");
+      return 0;
+    }
+    console.log(`${unknowns.length} unique uncategorized merchant(s), sorted by spend desc:`);
+    console.log("");
+    console.log(`  ${padEnd("merchant_raw", 40)} ${padStart("count", 6)} ${padStart("eur_total", 12)}  missing_fx`);
+    console.log(`  ${"-".repeat(40)} ${"-".repeat(6)} ${"-".repeat(12)}  ${"-".repeat(10)}`);
+    for (const u of unknowns) {
+      const missing = u.missingEurCount > 0 ? String(u.missingEurCount) : "";
+      console.log(`  ${padEnd(u.merchant_raw, 40)} ${padStart(String(u.count), 6)} ${padStart(u.totalEur.toFixed(2), 12)}  ${missing}`);
+    }
+    console.log("");
+    console.log("Add a rule per merchant in data/rules.csv, then run: kopeika categorize");
+    return 0;
+  }
+  const rules = loadRules(RULES_PATH);
+  if (rules.length === 0) {
+    console.log("no rules in data/rules.csv — nothing to apply. Run `categorize --review` to see unknowns.");
+    return 0;
+  }
+  let categorized = 0;
+  let retyped = 0;
+  for (const tx of ledger) {
+    if (tx.category !== "")
+      continue;
+    const rule = firstMatch(rules, tx);
+    if (!rule)
+      continue;
+    tx.category = rule.category;
+    categorized += 1;
+    if (rule.type !== null && rule.type !== tx.type) {
+      tx.type = rule.type;
+      retyped += 1;
+    }
+  }
+  writeLedger(LEDGER_PATH, ledger);
+  console.log(`categorized ${categorized} row(s)` + (retyped > 0 ? `, retyped ${retyped}` : ""));
+  const remaining = ledger.filter((t2) => t2.category === "").length;
+  if (remaining > 0) {
+    console.log(`${remaining} row(s) still uncategorized — run \`categorize --review\` to triage.`);
+  }
+  return 0;
+}
+async function cmdTransfers(_args) {
+  const ledger = loadLedger(LEDGER_PATH);
+  if (ledger.length === 0) {
+    console.log("ledger is empty — import something first.");
+    return 0;
+  }
+  const { pairs, unmatched, updated } = matchTransfers(ledger, DEFAULT_TRANSFER_OPTIONS);
+  writeLedger(LEDGER_PATH, updated);
+  console.log(`matched ${pairs.length} transfer pair(s) (tolerance €${DEFAULT_TRANSFER_OPTIONS.toleranceEur.toFixed(2)}, ±${DEFAULT_TRANSFER_OPTIONS.maxDayGap}d)`);
+  if (pairs.length > 0) {
+    console.log("");
+    for (const p of pairs) {
+      console.log(`  ${p.groupId}`);
+      console.log(`    out  ${p.outflow.date}  ${padEnd(p.outflow.account, 14)} ${padStart(fmtEur(p.outflow.amount_eur), 12)} EUR  ${p.outflow.merchant_raw}`);
+      console.log(`    in   ${p.inflow.date}  ${padEnd(p.inflow.account, 14)} ${padStart(fmtEur(p.inflow.amount_eur), 12)} EUR  ${p.inflow.merchant_raw}`);
+    }
+  }
+  if (unmatched.length > 0) {
+    console.log("");
+    console.log(`${unmatched.length} unmatched candidate leg(s):`);
+    for (const u of unmatched) {
+      console.log(`  ${u.date}  ${padEnd(u.account, 14)} ${padStart(fmtEur(u.amount_eur), 12)} EUR  ${u.merchant_raw}`);
+    }
+  }
+  return 0;
+}
+async function cmdRecurring(args) {
+  const ledger = loadLedger(LEDGER_PATH);
+  if (ledger.length === 0) {
+    console.log("ledger is empty — import something first.");
+    return 0;
+  }
+  const minMonthsRaw = flagString(args, "min-months");
+  let minMonths = DEFAULT_RECURRING_OPTIONS.minMonths;
+  if (minMonthsRaw !== undefined) {
+    const parsed = Number(minMonthsRaw);
+    if (!Number.isInteger(parsed) || parsed < 1) {
+      console.error(`--min-months must be a positive integer (got "${minMonthsRaw}")`);
+      return 1;
+    }
+    minMonths = parsed;
+  }
+  const fromFlag = flagString(args, "from");
+  if (fromFlag !== undefined && !/^\d{4}-\d{2}$/.test(fromFlag)) {
+    console.error(`--from must be YYYY-MM (got "${fromFlag}")`);
+    return 1;
+  }
+  const tiers = loadTiers(TIERS_PATH);
+  const recurring = detectRecurring(ledger, tiers, { minMonths, from: fromFlag });
+  if (recurring.length === 0) {
+    console.log(`no merchant appears in ≥${minMonths} distinct months${fromFlag ? ` since ${fromFlag}` : ""}.`);
+    return 0;
+  }
+  const tiered = tiersConfigured(tiers);
+  const floorTotal = recurring.filter((r) => r.tier === "mandatory").reduce((s, r) => s + r.perMonth, 0);
+  const flexTotal = recurring.filter((r) => r.tier === "optional").reduce((s, r) => s + r.perMonth, 0);
+  console.log(`${recurring.length} recurring merchant(s) — seen in ≥${minMonths} distinct months${fromFlag ? ` since ${fromFlag}` : ""}, by €/mo desc`);
+  console.log("");
+  console.log(`  ${padStart("#mo", 4)} ${padStart("~eur/mo", 9)} ${padEnd("tier", 6)} ${padEnd("category", 16)} ${padEnd("since", 8)} merchant`);
+  console.log(`  ${"-".repeat(4)} ${"-".repeat(9)} ${"-".repeat(6)} ${"-".repeat(16)} ${"-".repeat(8)} ${"-".repeat(24)}`);
+  for (const r of recurring) {
+    const tierLabel = tiered ? r.tier === "mandatory" ? `\uD83D\uDD12 ${padEnd("fix", 3)}` : `\uD83C\uDF88 ${padEnd("opt", 3)}` : padEnd("—", 6);
+    console.log(`  ${padStart(String(r.monthsCount), 4)} ${padStart(fmtMoney(r.perMonth), 9)} ${tierLabel} ${padEnd(r.category, 16)} ${padEnd(r.firstMonth, 8)} ${r.merchant_raw}`);
+  }
+  console.log("");
+  if (tiered) {
+    console.log(`recurring backbone ≈ €${fmtMoney(floorTotal + flexTotal)}/mo  (\uD83D\uDD12 floor €${fmtMoney(floorTotal)}/mo · \uD83C\uDF88 flex €${fmtMoney(flexTotal)}/mo)`);
+    console.log("note: recurring ≠ mandatory — frequent buys (groceries, Amazon) recur but flex; only \uD83D\uDD12 rows are the fixed floor.");
+  } else {
+    console.log(`recurring backbone ≈ €${fmtMoney(floorTotal + flexTotal)}/mo  (no tiers configured — add data/tiers.csv to split floor vs flex)`);
+  }
+  return 0;
+}
+async function cmdList(args) {
+  const ledger = loadLedger(LEDGER_PATH);
+  const sourceFilter = flagString(args, "source");
+  const monthFilter = flagString(args, "month");
+  const onlyUncategorized = hasFlag(args, "uncategorized");
+  let rows = ledger;
+  if (sourceFilter)
+    rows = rows.filter((t2) => t2.data_source === sourceFilter);
+  if (monthFilter)
+    rows = rows.filter((t2) => t2.date.startsWith(monthFilter));
+  if (onlyUncategorized)
+    rows = rows.filter((t2) => t2.category === "");
+  rows = [...rows].sort((a, b) => a.date < b.date ? -1 : a.date > b.date ? 1 : 0);
+  if (rows.length === 0) {
+    console.log("no rows match the given filters.");
+    return 0;
+  }
+  console.log(`  ${padEnd("date", 10)} ${padEnd("account", 13)} ${padStart("native", 12)} ${padEnd("cur", 4)} ${padStart("eur", 11)} ${padEnd("type", 9)} ${padEnd("category", 14)} merchant`);
+  console.log(`  ${"-".repeat(10)} ${"-".repeat(13)} ${"-".repeat(12)} ${"-".repeat(4)} ${"-".repeat(11)} ${"-".repeat(9)} ${"-".repeat(14)} ${"-".repeat(20)}`);
+  let totalEur = 0;
+  let missingEur = 0;
+  for (const t2 of rows) {
+    if (t2.amount_eur === null)
+      missingEur += 1;
+    else
+      totalEur += t2.amount_eur;
+    const cat = t2.category === "" ? "(none)" : t2.category;
+    console.log(`  ${padEnd(t2.date, 10)} ${padEnd(t2.account, 13)} ${padStart(fmtNative(t2.amount_native), 12)} ${padEnd(t2.currency, 4)} ${padStart(fmtEur(t2.amount_eur), 11)} ${padEnd(t2.type, 9)} ${padEnd(cat, 14)} ${t2.merchant_raw}`);
+  }
+  console.log("");
+  console.log(`  ${rows.length} row(s)   net EUR ${totalEur.toFixed(2)}` + (missingEur > 0 ? `   (${missingEur} row(s) missing FX — excluded from total)` : ""));
+  return 0;
+}
+function fmtMoney(n) {
+  const rounded = Math.round(n);
+  const sign = rounded < 0 ? "-" : "";
+  const digits = String(Math.abs(rounded)).replace(/\B(?=(\d{3})+(?!\d))/g, ",");
+  return `${sign}${digits}`;
+}
+function fmtRate(fraction) {
+  const clamped = Math.max(0, Math.min(1, fraction));
+  return `${Math.round(clamped * 100)}%`;
+}
+function printMonthsTable(report) {
+  console.log(`  ${padEnd("month", 9)} ${padStart("income", 11)} ${padStart("spend", 11)} ${padStart("saved", 11)} ${padStart("rate", 6)}`);
+  console.log(`  ${"-".repeat(9)} ${"-".repeat(11)} ${"-".repeat(11)} ${"-".repeat(11)} ${"-".repeat(6)}`);
+  for (const m of report.months) {
+    console.log(`  ${padEnd(m.month, 9)} ${padStart(fmtMoney(m.income), 11)} ${padStart(fmtMoney(m.spend), 11)} ${padStart(fmtMoney(m.saved), 11)} ${padStart(fmtRate(m.savingsRate), 6)}`);
+  }
+  const o = report.overall;
+  console.log(`  ${"-".repeat(9)} ${"-".repeat(11)} ${"-".repeat(11)} ${"-".repeat(11)} ${"-".repeat(6)}`);
+  console.log(`  ${padEnd("ALL", 9)} ${padStart(fmtMoney(o.income), 11)} ${padStart(fmtMoney(o.spend), 11)} ${padStart(fmtMoney(o.saved), 11)} ${padStart(fmtRate(o.savingsRate), 6)}`);
+}
+function printCategoryTable(month) {
+  console.log(`category breakdown — ${month.month} (spend €${fmtMoney(month.spend)})`);
+  console.log("");
+  if (month.categories.length === 0) {
+    console.log("  (no spend recorded this month)");
+    return;
+  }
+  console.log(`  ${padEnd("category", 24)} ${padStart("eur", 11)} ${padStart("share", 7)} ${padStart("count", 6)}`);
+  console.log(`  ${"-".repeat(24)} ${"-".repeat(11)} ${"-".repeat(7)} ${"-".repeat(6)}`);
+  for (const c of month.categories) {
+    console.log(`  ${padEnd(c.category, 24)} ${padStart(fmtMoney(c.amount), 11)} ${padStart(`${Math.round(c.share * 100)}%`, 7)} ${padStart(String(c.count), 6)}`);
+  }
+  console.log(`  ${"-".repeat(24)} ${"-".repeat(11)} ${"-".repeat(7)} ${"-".repeat(6)}`);
+  console.log(`  ${padEnd("TOTAL", 24)} ${padStart(fmtMoney(month.spend), 11)} ${padStart("100%", 7)} ${padStart("", 6)}`);
+}
+function printFloorFlex(focus, report) {
+  if (focus.floor === null || focus.flex === null) {
+    console.log("floor vs flex: (no tiers configured — add mandatory rows to data/tiers.csv)");
+    return;
+  }
+  const o = report.overall;
+  const months = o.monthCount > 0 ? o.monthCount : 1;
+  const floorAvg = (o.floor ?? 0) / months;
+  const flexAvg = (o.flex ?? 0) / months;
+  const total = focus.floor + focus.flex;
+  const floorPct = total > 0 ? Math.round(focus.floor / total * 100) : 0;
+  console.log(`floor vs flex — ${focus.month}`);
+  console.log("");
+  console.log(`  \uD83D\uDD12 Floor (mandatory)  €${fmtMoney(focus.floor)}/mo   ${floorPct}% of spend`);
+  console.log(`  \uD83C\uDF88 Flex  (optional)   €${fmtMoney(focus.flex)}/mo   ${100 - floorPct}% of spend`);
+  if (report.months.length > 1) {
+    console.log(`  range avg/mo:  floor €${fmtMoney(floorAvg)}  ·  flex €${fmtMoney(flexAvg)}  (over ${months} month(s))`);
+  }
+}
+async function cmdReport(args) {
+  const ledger = loadLedger(LEDGER_PATH);
+  if (ledger.length === 0) {
+    console.log("ledger is empty — import something first.");
+    return 0;
+  }
+  const monthFlag = flagString(args, "month");
+  const fromFlag = flagString(args, "from");
+  const htmlPath = flagString(args, "html");
+  for (const [name, value] of [["month", monthFlag], ["from", fromFlag]]) {
+    if (value !== undefined && !/^\d{4}-\d{2}$/.test(value)) {
+      console.error(`--${name} must be YYYY-MM (got "${value}")`);
+      return 1;
+    }
+  }
+  const tiers = loadTiers(TIERS_PATH);
+  const report = buildReport(ledger, { month: monthFlag, from: fromFlag }, tiers);
+  if (report.months.length === 0) {
+    console.log("no transactions matched the selected range (after excluding transfers/exchanges).");
+    return 0;
+  }
+  const focusMonth = monthFlag !== undefined ? monthFlag : latestCompleteMonth(report) ?? report.months[report.months.length - 1].month;
+  const focus = report.months.find((m) => m.month === focusMonth);
+  if (focus === undefined) {
+    console.error(`internal error: focus month ${focusMonth} not in report`);
+    return 1;
+  }
+  const o = report.overall;
+  console.log(`kopeika report — ${report.months[0].month} … ${report.months[report.months.length - 1].month}  (${report.months.length} month(s))`);
+  console.log("");
+  printMonthsTable(report);
+  console.log("");
+  printCategoryTable(focus);
+  console.log("");
+  printFloorFlex(focus, report);
+  console.log("");
+  const uncategorized = focus.categories.find((c) => c.category === "Uncategorized");
+  const uncatShare = uncategorized ? uncategorized.share : 0;
+  console.log(`range totals: income €${fmtMoney(o.income)} · spend €${fmtMoney(o.spend)} · saved €${fmtMoney(o.saved)} (${fmtRate(o.savingsRate)})` + (o.invested > 0 ? ` · put aside €${fmtMoney(o.invested)} (into savings)` : ""));
+  console.log(`coverage: ${o.countedRows} row(s) counted, ${report.excludedRows} excluded (transfers/exchanges/Exclude)` + (o.missingEurCount > 0 ? `, ⚠ ${o.missingEurCount} row(s) missing FX — not counted` : ""));
+  if (uncatShare >= 0.4) {
+    console.log(`⚠ ${Math.round(uncatShare * 100)}% of ${focus.month} spend is Uncategorized — expected until rules land; add rules and re-run \`categorize\`.`);
+  }
+  if (htmlPath !== undefined) {
+    const savingsCfg = loadSavingsConfig(SAVINGS_PATH);
+    let projection;
+    let series;
+    if (savingsConfigured(savingsCfg)) {
+      const stock = savingsStock(ledger, savingsCfg);
+      const rates = loadRates(RATES_PATH);
+      const rubToEur = rateToEur(rates, "RUB");
+      const cnyToEur = rateToEur(rates, "CNY");
+      const rub2 = rubToEur ?? 0.0105;
+      const cny = cnyToEur ?? 0.127;
+      let netWorth;
+      const marks = PROFILE.netWorth;
+      if (marks) {
+        const flatsEur = Math.round(marks.flatsRub * rub2);
+        const mortgageEur = Math.round(marks.mortgageRub * rub2);
+        netWorth = {
+          propertyEur: flatsEur - mortgageEur,
+          propertyBaseEur: flatsEur,
+          propertyDebtEur: mortgageEur,
+          propertyApr: marks.propertyApr,
+          bcsEur: Math.round(marks.bcsNominalCny * cny),
+          milestones: [2500000, 5000000, 1e7, 15000000, 20000000, 25000000, 30000000].map((r) => ({ eur: Math.round(r * rub2), label: `${r / 1e6}M ₽`, hero: false }))
+        };
+      }
+      projection = {
+        startEur: stock.totalEur,
+        defaultRateEur: recentMonthlyRate(ledger, savingsCfg),
+        rubPerEur: rubToEur !== null && rubToEur > 0 ? 1 / rubToEur : null,
+        components: stock.components,
+        lookbackMonths: DEFAULT_RATE_LOOKBACK,
+        netWorth
+      };
+      series = savingsSeries(ledger, savingsCfg);
+    }
+    const now = new Date;
+    const nowMonth = `${now.getUTCFullYear()}-${String(now.getUTCMonth() + 1).padStart(2, "0")}`;
+    const spendMonths = report.months.map((m) => m.month).filter((m) => m >= "2026-01");
+    const months = spendMonths.map((m) => ({ month: m, groups: buildSpendGroups(ledger, m, tiers) }));
+    if (spendMonths.length > 0) {
+      months.push({ month: "2026", groups: buildSpendGroups(ledger, "2026", tiers) });
+    }
+    const selectedMonth = spendMonths.length > 0 ? spendMonths[spendMonths.length - 1] : focus.month;
+    const lang = flagString(args, "lang") === "ru" ? "ru" : "en";
+    const html = renderDashboard({
+      report,
+      focusMonth: focus.month,
+      today: now,
+      nowMonth,
+      lang,
+      projection,
+      series,
+      months,
+      selectedMonth,
+      display: {
+        footer: PROFILE.footer,
+        accountLabels: PROFILE.accountLabels,
+        merchantInfo: PROFILE.merchantInfo
+      }
+    });
+    mkdirSync2(dirname2(htmlPath), { recursive: true });
+    writeFileSync2(htmlPath, html, "utf8");
+    console.log("");
+    console.log(`✓ wrote dashboard (${html.length} bytes) → ${htmlPath}`);
+    console.log(`  open it: file://${htmlPath.startsWith("/") ? htmlPath : join2(process.cwd(), htmlPath)}`);
+  }
+  return 0;
+}
+function stockKindNote(kind) {
+  switch (kind) {
+    case "account":
+      return "cost basis";
+    case "marker":
+      return "savings pot";
+    case "anchor":
+      return "set balance";
+  }
+}
+function numberFlag(args, name) {
+  const raw = flagString(args, name);
+  if (raw === undefined)
+    return { value: undefined, bad: null };
+  const n = Number(raw);
+  if (!Number.isFinite(n))
+    return { value: undefined, bad: raw };
+  return { value: n, bad: null };
+}
+async function cmdProject(args) {
+  const ledger = loadLedger(LEDGER_PATH);
+  if (ledger.length === 0) {
+    console.log("ledger is empty — import something first.");
+    return 0;
+  }
+  const config = loadSavingsConfig(SAVINGS_PATH);
+  const lump = numberFlag(args, "lump-sum");
+  if (lump.bad !== null) {
+    console.error(`--lump-sum must be a number in EUR (got "${lump.bad}")`);
+    return 1;
+  }
+  const rateFlag = numberFlag(args, "rate");
+  if (rateFlag.bad !== null) {
+    console.error(`--rate must be a number in EUR/month (got "${rateFlag.bad}")`);
+    return 1;
+  }
+  const yearsFlag = numberFlag(args, "years");
+  if (yearsFlag.bad !== null || yearsFlag.value !== undefined && (!Number.isInteger(yearsFlag.value) || yearsFlag.value < 1)) {
+    console.error(`--years must be a positive integer (got "${flagString(args, "years")}")`);
+    return 1;
+  }
+  const years = yearsFlag.value ?? 5;
+  const stock = savingsStock(ledger, config);
+  const components = [...stock.components];
+  if (lump.value !== undefined) {
+    components.push({ label: "lump-sum (--lump-sum)", eur: lump.value, kind: "anchor" });
+  }
+  const startEur = round2Eur(components.reduce((s, c) => s + c.eur, 0));
+  const defaultRate = recentMonthlyRate(ledger, config);
+  const rateIsDefault = rateFlag.value === undefined;
+  const monthlyRateEur = rateFlag.value ?? defaultRate;
+  const rates = loadRates(RATES_PATH);
+  const rubToEur = rateToEur(rates, "RUB");
+  const rubPerEur = rubToEur !== null && rubToEur > 0 ? 1 / rubToEur : null;
+  const input = { startEur, monthlyRateEur, horizonMonths: years * 12, rubPerEur };
+  console.log("kopeika projection — where the savings land");
+  console.log("");
+  if (!savingsConfigured(config) && lump.value === undefined) {
+    console.log("no savings declared yet — add destinations to data/savings.csv:");
+    console.log("  account,trading212,        (a whole account is savings; stock = cost basis)");
+    console.log("  marker,HOUSE,              (a move into an in-account savings pot)");
+    console.log("  anchor,Lump-sum,12000      (a not-yet-imported savings account, by balance)");
+    console.log("");
+    console.log("then re-run `kopeika project`. Starting from €0 for now.");
+    console.log("");
+  }
+  console.log("starting stock (today)");
+  for (const c of components) {
+    console.log(`  ${padEnd(c.label, 28)} ${padStart("€" + fmtMoney(c.eur), 12)}   ${stockKindNote(c.kind)}`);
+  }
+  console.log(`  ${"-".repeat(28)} ${"-".repeat(12)}`);
+  console.log(`  ${padEnd("total savings now", 28)} ${padStart("€" + fmtMoney(startEur), 12)}`);
+  console.log("");
+  const rateNote = rateIsDefault ? `recent actual, last ${DEFAULT_RATE_LOOKBACK} complete months — drag with --rate <eur/mo>` : "your set rate (--rate)";
+  console.log(`go-forward rate: €${fmtMoney(monthlyRateEur)}/mo  (${rateNote})`);
+  if (rateIsDefault && defaultRate === 0) {
+    console.log("  (no recent savings flow found — the line stays flat until you set a rate or save more)");
+  }
+  console.log("");
+  const milestoneMonths = [...new Set([0, 12, years * 12])].filter((m) => m <= years * 12).sort((a, b) => a - b);
+  const showRub = rubPerEur !== null;
+  console.log(`  ${padEnd("", 18)} ${padStart("EUR", 12)}${showRub ? "   " + padStart("RUB", 14) : ""}`);
+  for (const m of milestoneMonths) {
+    const p = projectAt(input, m);
+    const label = m === 0 ? "now" : m % 12 === 0 ? `in ${m / 12} year${m === 12 ? "" : "s"}` : `in ${m} months`;
+    const eurCol = padStart("€" + fmtMoney(p.eur), 12);
+    const rubCol = showRub && p.rub !== null ? "   " + padStart("₽" + fmtMoney(p.rub), 14) : "";
+    console.log(`  ${padEnd(label, 18)} ${eurCol}${rubCol}`);
+  }
+  console.log("");
+  const fxNote = rubPerEur !== null ? ` RUB at ₽${fmtMoney(rubPerEur)}/€ (data/rates.csv, flat for now).` : "";
+  console.log(`ETF held flat at cost basis. The rate is an assumption you set.${fxNote}`);
+  return 0;
+}
+function round2Eur(n) {
+  const r = Math.round((n + Number.EPSILON) * 100) / 100;
+  return r === 0 ? 0 : r;
+}
+function printHelp() {
+  console.log(`kopeika — deterministic local-first bookkeeping
+
+USAGE
+  kopeika import <${connectorNames().join("|")}> <file> --account <name> --owner <owner>
+      Archive the raw export, parse, normalize, FX-convert, dedup, append to ledger.
+      Prints: imported / skipped-dup / skipped-non-completed, plus any missing FX rates.
+
+  kopeika categorize [--review]
+      Apply ratified rules (data/rules.csv) to uncategorized rows, first match wins.
+      --review  list unique uncategorized merchants with counts + summed EUR (spend desc).
+
+  kopeika transfers
+      Pair internal-transfer legs across accounts (opposite sign, |Δeur| ≤ €${DEFAULT_TRANSFER_OPTIONS.toleranceEur}, ±${DEFAULT_TRANSFER_OPTIONS.maxDayGap}d).
+      Assigns a shared transfer_group and sets is_transfer=true. Re-runnable.
+
+  kopeika recurring [--min-months N] [--from YYYY-MM]
+      List merchants seen as spend in many distinct months (the deterministic
+      backbone), sorted by €/mo. Tags each \uD83D\uDD12 floor / \uD83C\uDF88 flex from data/tiers.csv.
+      Recurring ≠ mandatory: frequent buys recur but flex; only \uD83D\uDD12 is the floor.
+      --min-months N    distinct-month threshold (default ${DEFAULT_RECURRING_OPTIONS.minMonths}).
+      --from YYYY-MM    only count rows on/after this month.
+
+  kopeika list [--source <x>] [--uncategorized] [--month YYYY-MM]
+      Print a table of ledger rows with a net-EUR total.
+
+  kopeika report [--month YYYY-MM] [--from YYYY-MM] [--html <path>]
+      Income / spend / saved per month + category breakdown + floor-vs-flex split,
+      from amount_eur. Excludes internal transfers, exchanges, and Exclude rows.
+      Floor (mandatory) vs flex (optional) is read from data/tiers.csv.
+      Default (no flags): all-month summary + the most recent complete month.
+      --month YYYY-MM   focus a single month (summary still spans that month).
+      --from  YYYY-MM   only months >= this one.
+      --html  <path>    also write a self-contained HTML dashboard to <path>.
+
+  kopeika project [--rate <eur/mo>] [--lump-sum <eur>] [--years N]
+      Project the savings stock forward. Starting stock = the savings destinations
+      in data/savings.csv (account cost basis + in-account pots + manual anchors).
+      Roll it forward at a monthly rate (the slider), default the recent actual,
+      shown in EUR and RUB with the ETF held flat at cost basis.
+      --rate <eur/mo>   set the go-forward monthly savings rate (overrides default).
+      --lump-sum <eur>  add a what-if lump sum to today's stock.
+      --years N         projection horizon in years (default 5; always shows 1y too).
+
+  kopeika --help
+
+DATA (all gitignored under data/)
+  data/raw/<source>/   immutable original exports
+  data/ledger.csv      clean normalized ledger
+  data/rules.csv       pattern,match_type,field,category,type
+  data/rates.csv       month,currency,rate_to_eur
+  data/tiers.csv       scope,value,tier  (mandatory=floor, else flex)
+  data/savings.csv     scope,value,balance_eur  (account|marker|anchor savings)
+
+NOT IMPLEMENTED (v0 stubs): Google Sheets mirror/push, LLM --suggest categorization.
+No LLM is called at runtime — the core is fully deterministic.`);
+}
+async function main() {
+  const argv = process.argv.slice(2);
+  const args = parseArgs(argv);
+  PROFILE = loadProfile(PROFILE_PATH);
+  setIdentity(PROFILE.ownNames, PROFILE.ownIbans);
+  const command = args.positionals.shift();
+  if (!command || command === "--help" || hasFlag(args, "help") || command === "help") {
+    printHelp();
+    return 0;
+  }
+  switch (command) {
+    case "import":
+      return cmdImport(args);
+    case "categorize":
+      return cmdCategorize(args);
+    case "transfers":
+      return cmdTransfers(args);
+    case "recurring":
+      return cmdRecurring(args);
+    case "list":
+      return cmdList(args);
+    case "report":
+      return cmdReport(args);
+    case "project":
+      return cmdProject(args);
+    default:
+      console.error(`unknown command "${command}". Run \`kopeika --help\`.`);
+      return 1;
+  }
+}
+main().then((code) => {
+  process.exit(code);
+}).catch((err) => {
+  const message = err instanceof Error ? err.stack ?? err.message : String(err);
+  console.error(`kopeika: fatal error
+` + message);
+  process.exit(1);
+});