ray-finance 0.3.0 → 0.3.1

package/README.md

@@ -1,5 +1,5 @@
 <p align="center">
-  <img src=".github/ray-logo.png" alt="Ray" width="120" />
+  <img src=".github/ray-logo.png" alt="Ray" width="108" />
 </p>
 
 <p align="center">
@@ -14,40 +14,17 @@
 
 <br />
 
-```
-  Friday, Mar 28
-
-  net worth  $45,230 +$120
-
-  spending   $2,340 this month · $340 less vs last month
-             Dining -$114  ·  Shopping -$142  ·  Groceries -$73
-
-  ▓▓▓▓▓▓▓░  Dining 92%
-
-  ▓▓▓▓░░░░  Emergency fund $18,200/$40,000
-
-  upcoming   Netflix $16 in 3d  ·  Comcast $142 in 6d
-
-  score      72/100  ·  5d no dining  ·  3d on pace
-
-  ──────────────────────────────────────────────────
-
-  ❯ if I quit my job to freelance, how long can I survive?
-
-  Based on your last 3 months: you burn $4,820/mo after
-  fixed costs. With $18,200 in savings, that's
-  3.8 months of runway at current spend.
-
-  Cut dining and shopping to last-month levels and
-  you stretch to 5.1 months. Land one $8k contract
-  in that window and you never dip below $10k.
-```
+<p align="center">
+  <img src=".github/ray-demo.png" alt="Ray demo" />
+</p>
 
 Open Ray and it shows your net worth, spending vs last month, budget pacing, and upcoming bills — before you type a word. Ask a question and it answers from your real data, not guesses. Local-first. Encrypted. Open source.
 
 ## Features
 
 - **It already knows** — Every conversation starts with a real-time financial briefing. Net worth, spending velocity, budget alerts, goal pace, upcoming bills, and your daily score. No "let me look that up."
+- **Persistent context** — Ray maintains a financial profile that evolves with you: income, goals, strategy, key decisions, and open items. It updates this context as your situation changes, so every conversation picks up where the last one left off.
+- **Long-term memory** — Important details from conversations are saved as memories. Mention you're saving for a house or switching jobs and Ray remembers — without you repeating yourself.
 - **Bank sync via Plaid** — Connect checking, savings, credit cards, investments, and loans
 - **Encrypted local database** — All data stays on your machine in an AES-256 encrypted SQLite database
 - **Daily scoring** — A 0-100 behavior score with streaks and 14 unlockable achievements. No restaurants for a week? That's Kitchen Hero. Five zero-spend days? Monk Mode.
@@ -65,6 +42,26 @@ Open Ray and it shows your net worth, spending vs last month, budget pacing, and
 npm install -g ray-finance
 ```
 
+## Try It
+
+Explore Ray with realistic fake data — no bank accounts needed.
+
+```bash
+ray demo                # seed a demo database
+ray --demo status       # financial overview
+ray --demo accounts     # linked accounts with balances
+ray --demo spending     # spending breakdown by category
+ray --demo budgets      # budget tracking
+ray --demo goals        # financial goal progress
+ray --demo score        # daily score, streaks, achievements
+ray --demo alerts       # financial alerts
+ray --demo transactions # recent transactions
+```
+
+The dashboard commands work with no setup at all. To also try the AI chat with demo data, run `ray setup` first and add an [Anthropic API key](https://console.anthropic.com) or Ray API key — then `ray --demo` will start an interactive session where you can ask questions about the fake portfolio.
+
+When you're ready to connect real accounts, run `ray link`.
+
 ## Quick Start
 
 ```bash
@@ -98,6 +95,8 @@ Run `ray --help` to see all available commands.
 | Command | Description |
 |---------|-------------|
 | `ray` | Interactive AI chat with your financial advisor |
+| `ray demo` | Seed a demo database with realistic fake data |
+| `ray --demo <cmd>` | Run any command against demo data |
 | `ray setup` | Configure API keys and preferences |
 | `ray link` | Connect a new bank account |
 | `ray sync` | Pull latest transactions and balances |
@@ -155,6 +154,7 @@ Ray stores everything in `~/.ray/`:
   context.md           # Persistent financial context for AI
   data/
     finance.db         # Encrypted SQLite database
+    demo.db            # Demo database (created by `ray demo`)
   sync.log             # Daily sync output
 ```
 
@@ -174,6 +174,7 @@ RAY_API_KEY=           # Ray API key (managed mode, replaces the above)
 
 ## Roadmap
 
+- [ ] Bring your own model — use any LLM provider (OpenAI, Ollama, open-source models, etc.)
 - [ ] Daily digest email — morning summary of your finances
 
 Have an idea? [Open a PR](https://github.com/cdinnison/ray-finance/pulls).

package/dist/cli/index.js

@@ -1,8 +1,20 @@
 #!/usr/bin/env node
+import { resolve } from "path";
+import { homedir } from "os";
+// --demo flag: use dedicated demo database (must run before config import)
+const isDemoMode = process.argv.includes("--demo");
+if (isDemoMode) {
+    process.argv = process.argv.filter(a => a !== "--demo");
+}
 import { Command } from "commander";
 import { createRequire } from "module";
 import { config, isConfigured, useManaged, RAY_PROXY_BASE } from "../config.js";
 import { helpScreen } from "./format.js";
+// Override config for demo mode (demo DB is unencrypted)
+if (isDemoMode) {
+    config.dbPath = resolve(homedir(), ".ray", "data", "demo.db");
+    config.dbEncryptionKey = "";
+}
 const require = createRequire(import.meta.url);
 const { version } = require("../../package.json");
 const program = new Command();
@@ -181,6 +193,14 @@ program
     const { runDoctor } = await import("./doctor.js");
     await runDoctor();
 });
+program
+    .command("demo")
+    .description("Seed a demo database with realistic fake data")
+    .action(async () => {
+    const demoPath = resolve(homedir(), ".ray", "data", "demo.db");
+    const { seedDemoDb } = await import("../demo/seed.js");
+    seedDemoDb(demoPath);
+});
 program
     .command("completions")
     .description("Install shell completions")
@@ -189,6 +209,8 @@ program
     installCompletions();
 });
 function ensureConfigured() {
+    if (isDemoMode)
+        return;
     if (!isConfigured()) {
         console.error("Ray is not configured. Run 'ray setup' first.");
         process.exit(1);
@@ -213,6 +235,7 @@ program.configureHelp({
         { name: "billing", desc: "Manage your Ray subscription" },
         { name: "update", desc: "Update Ray to the latest version" },
         { name: "doctor", desc: "Check system health" },
+        { name: "demo", desc: "Seed a demo database with fake data" },
         { name: "completions", desc: "Install shell completions" },
     ]),
 });

package/dist/demo/data.d.ts

@@ -0,0 +1,252 @@
+export declare const institutions: {
+    item_id: string;
+    access_token: string;
+    name: string;
+    products: string;
+    logo: string;
+    primary_color: string;
+}[];
+export declare const accounts: ({
+    account_id: string;
+    item_id: string;
+    name: string;
+    official_name: string;
+    type: string;
+    subtype: string;
+    mask: string;
+    current_balance: number;
+    available_balance: number;
+    currency: string;
+    balance_limit: null;
+} | {
+    account_id: string;
+    item_id: string;
+    name: string;
+    official_name: string;
+    type: string;
+    subtype: string;
+    mask: string;
+    current_balance: number;
+    available_balance: null;
+    currency: string;
+    balance_limit: null;
+} | {
+    account_id: string;
+    item_id: string;
+    name: string;
+    official_name: string;
+    type: string;
+    subtype: string;
+    mask: string;
+    current_balance: number;
+    available_balance: number;
+    currency: string;
+    balance_limit: number;
+} | {
+    account_id: string;
+    item_id: string;
+    name: string;
+    official_name: null;
+    type: string;
+    subtype: string;
+    mask: null;
+    current_balance: number;
+    available_balance: null;
+    currency: string;
+    balance_limit: null;
+})[];
+export declare const transactions: ({
+    transaction_id: string;
+    account_id: string;
+    amount: number;
+    date: string;
+    name: string;
+    merchant_name: string;
+    category: string;
+    subcategory: string;
+    pending: number;
+    payment_channel: string;
+} | {
+    transaction_id: string;
+    account_id: string;
+    amount: number;
+    date: string;
+    name: string;
+    merchant_name: null;
+    category: string;
+    subcategory: string;
+    pending: number;
+    payment_channel: string;
+})[];
+export declare const securities: {
+    security_id: string;
+    name: string;
+    ticker: string;
+    type: string;
+    close_price: number;
+    close_price_as_of: string;
+}[];
+export declare const holdings: ({
+    account_id: string;
+    security_id: string;
+    quantity: number;
+    value: number;
+    cost_basis: number;
+    price: number;
+    price_as_of: string;
+    vested_value: null;
+    vested_quantity: null;
+} | {
+    account_id: string;
+    security_id: string;
+    quantity: number;
+    value: number;
+    cost_basis: number;
+    price: number;
+    price_as_of: string;
+    vested_value: number;
+    vested_quantity: number;
+})[];
+export declare const liabilities: ({
+    account_id: string;
+    type: string;
+    interest_rate: number;
+    origination_date: null;
+    original_balance: null;
+    current_balance: number;
+    minimum_payment: number;
+    next_payment_due: string;
+    last_payment_amount: number;
+    last_payment_date: string;
+    credit_limit: number;
+    last_statement_issue_date: string;
+    is_overdue: number;
+    apr_type: string;
+    maturity_date: null;
+    loan_type: null;
+    property_address: null;
+    escrow_balance: null;
+    loan_status: null;
+    loan_name: null;
+    repayment_plan: null;
+    expected_payoff_date: null;
+    ytd_interest_paid: null;
+    ytd_principal_paid: null;
+} | {
+    account_id: string;
+    type: string;
+    interest_rate: number;
+    origination_date: string;
+    original_balance: number;
+    current_balance: number;
+    minimum_payment: number;
+    next_payment_due: string;
+    last_payment_amount: number;
+    last_payment_date: string;
+    credit_limit: null;
+    last_statement_issue_date: null;
+    is_overdue: number;
+    apr_type: string;
+    maturity_date: string;
+    loan_type: string;
+    property_address: string;
+    escrow_balance: number;
+    loan_status: string;
+    loan_name: string;
+    repayment_plan: null;
+    expected_payoff_date: string;
+    ytd_interest_paid: number;
+    ytd_principal_paid: number;
+})[];
+export declare const recurring: ({
+    stream_id: string;
+    account_id: string;
+    merchant_name: string;
+    description: string;
+    frequency: string;
+    category: string;
+    subcategory: string;
+    avg_amount: number;
+    last_amount: number;
+    first_date: string;
+    last_date: string;
+    is_active: number;
+    status: string;
+    stream_type: string;
+} | {
+    stream_id: string;
+    account_id: string;
+    merchant_name: null;
+    description: string;
+    frequency: string;
+    category: string;
+    subcategory: string;
+    avg_amount: number;
+    last_amount: number;
+    first_date: string;
+    last_date: string;
+    is_active: number;
+    status: string;
+    stream_type: string;
+})[];
+export declare const budgets: {
+    category: string;
+    monthly_limit: number;
+    period: string;
+}[];
+export declare const goals: {
+    name: string;
+    target_amount: number;
+    current_amount: number;
+    target_date: string;
+    status: string;
+}[];
+export declare const dailyScores: {
+    date: string;
+    score: number;
+    restaurant_count: number;
+    shopping_count: number;
+    food_spend: number;
+    total_spend: number;
+    zero_spend: number;
+    no_restaurant_streak: number;
+    no_shopping_streak: number;
+    on_pace_streak: number;
+}[];
+export declare const achievements: {
+    key: string;
+    name: string;
+    description: string;
+    unlocked_at: string;
+}[];
+export declare const netWorthHistory: {
+    date: string;
+    total_assets: number;
+    total_liabilities: number;
+    net_worth: number;
+}[];
+export declare const investmentTransactions: {
+    investment_transaction_id: string;
+    account_id: string;
+    security_id: string;
+    date: string;
+    name: string;
+    quantity: number;
+    amount: number;
+    price: number;
+    fees: number;
+    type: string;
+    subtype: string;
+    iso_currency_code: string;
+}[];
+export declare const recurringBills: {
+    name: string;
+    amount: number;
+    day_of_month: number;
+    type: string;
+    account_id: string;
+}[];
+export declare const memories: {
+    content: string;
+    category: string;
+}[];

package/dist/demo/data.js

@@ -0,0 +1,272 @@
+import { LOGOS } from "./logos.js";
+// ─── Date Helpers ─── //
+const now = new Date();
+function today() {
+    return now.toISOString().slice(0, 10);
+}
+function yesterday() {
+    return daysAgo(1);
+}
+function daysAgo(n) {
+    const d = new Date(now);
+    d.setDate(d.getDate() - n);
+    return d.toISOString().slice(0, 10);
+}
+/** First of the month, N months ago (0 = this month) */
+function monthStart(monthsAgo) {
+    const d = new Date(now.getFullYear(), now.getMonth() - monthsAgo, 1);
+    return d.toISOString().slice(0, 10);
+}
+/** Specific day of the month, N months ago. For current month (0), clamps to today. */
+function monthDay(monthsAgo, day) {
+    const d = new Date(now.getFullYear(), now.getMonth() - monthsAgo, day);
+    if (monthsAgo === 0 && d > now) {
+        // Clamp future current-month dates to recent past
+        return daysAgo(Math.max(1, day % (now.getDate()) + 1));
+    }
+    return d.toISOString().slice(0, 10);
+}
+/** Date N months from now */
+function monthsFromNow(n) {
+    const d = new Date(now.getFullYear(), now.getMonth() + n, now.getDate());
+    return d.toISOString().slice(0, 10);
+}
+/** Date N years ago */
+function yearsAgo(n) {
+    const d = new Date(now.getFullYear() - n, now.getMonth(), now.getDate());
+    return d.toISOString().slice(0, 10);
+}
+// ─── Institutions ─── //
+export const institutions = [
+    { item_id: "demo-chase", access_token: "demo-access-chase", name: "Chase", products: '["transactions","liabilities"]', logo: LOGOS.chase, primary_color: "#003087" },
+    { item_id: "demo-robinhood", access_token: "demo-access-robinhood", name: "Robinhood", products: '["transactions","investments"]', logo: LOGOS.robinhood, primary_color: "#00C805" },
+    { item_id: "demo-schwab", access_token: "demo-access-schwab", name: "Charles Schwab", products: '["transactions","investments"]', logo: LOGOS.schwab, primary_color: "#00A0DF" },
+    { item_id: "demo-amex", access_token: "demo-access-amex", name: "American Express", products: '["transactions","liabilities"]', logo: LOGOS.amex, primary_color: "#006FCF" },
+];
+// ─── Accounts ─── //
+export const accounts = [
+    { account_id: "demo-chase-checking", item_id: "demo-chase", name: "Total Checking", official_name: "Chase Total Checking", type: "depository", subtype: "checking", mask: "4521", current_balance: 4200, available_balance: 4200, currency: "USD", balance_limit: null },
+    { account_id: "demo-chase-savings", item_id: "demo-chase", name: "Chase Savings", official_name: "Chase Savings", type: "depository", subtype: "savings", mask: "7890", current_balance: 12500, available_balance: 12500, currency: "USD", balance_limit: null },
+    { account_id: "demo-robinhood-brokerage", item_id: "demo-robinhood", name: "Individual", official_name: "Robinhood Individual", type: "investment", subtype: "brokerage", mask: "3344", current_balance: 34000, available_balance: null, currency: "USD", balance_limit: null },
+    { account_id: "demo-schwab-401k", item_id: "demo-schwab", name: "401(k)", official_name: "Schwab 401(k)", type: "investment", subtype: "401k", mask: "9012", current_balance: 67000, available_balance: null, currency: "USD", balance_limit: null },
+    { account_id: "demo-amex-gold", item_id: "demo-amex", name: "Gold Card", official_name: "American Express Gold Card", type: "credit", subtype: "credit card", mask: "1008", current_balance: 1830, available_balance: 13170, currency: "USD", balance_limit: 15000 },
+    { account_id: "demo-chase-mortgage", item_id: "demo-chase", name: "Home Mortgage", official_name: "Chase Home Mortgage", type: "loan", subtype: "mortgage", mask: "6601", current_balance: 285000, available_balance: null, currency: "USD", balance_limit: null },
+    { account_id: "demo-chase-home", item_id: "demo-chase", name: "Primary Residence", official_name: null, type: "other", subtype: "property", mask: null, current_balance: 425000, available_balance: null, currency: "USD", balance_limit: null },
+];
+// ─── Transactions ─── //
+let txCounter = 0;
+function txId() {
+    return `demo-tx-${++txCounter}`;
+}
+const CHK = "demo-chase-checking";
+const AMEX = "demo-amex-gold";
+export const transactions = [
+    // ── Income (negative = inflow in Plaid) ──
+    { transaction_id: txId(), account_id: CHK, amount: -4250, date: monthDay(0, 1), name: "Payroll - Acme Corp", merchant_name: "Acme Corp", category: "INCOME", subcategory: "INCOME_WAGES", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: -4250, date: monthDay(0, 15), name: "Payroll - Acme Corp", merchant_name: "Acme Corp", category: "INCOME", subcategory: "INCOME_WAGES", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: -4250, date: monthDay(1, 1), name: "Payroll - Acme Corp", merchant_name: "Acme Corp", category: "INCOME", subcategory: "INCOME_WAGES", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: -4250, date: monthDay(1, 15), name: "Payroll - Acme Corp", merchant_name: "Acme Corp", category: "INCOME", subcategory: "INCOME_WAGES", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: -4250, date: monthDay(2, 1), name: "Payroll - Acme Corp", merchant_name: "Acme Corp", category: "INCOME", subcategory: "INCOME_WAGES", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: -4250, date: monthDay(2, 15), name: "Payroll - Acme Corp", merchant_name: "Acme Corp", category: "INCOME", subcategory: "INCOME_WAGES", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: -800, date: monthDay(1, 20), name: "Wire Transfer - Client LLC", merchant_name: "Client LLC", category: "INCOME", subcategory: "INCOME_OTHER", pending: 0, payment_channel: "online" },
+    // ── Rent (3 months) ──
+    { transaction_id: txId(), account_id: CHK, amount: 1850, date: monthDay(0, 1), name: "Rent Payment", merchant_name: null, category: "RENT_AND_UTILITIES", subcategory: "RENT_AND_UTILITIES_RENT", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 1850, date: monthDay(1, 1), name: "Rent Payment", merchant_name: null, category: "RENT_AND_UTILITIES", subcategory: "RENT_AND_UTILITIES_RENT", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 1850, date: monthDay(2, 1), name: "Rent Payment", merchant_name: null, category: "RENT_AND_UTILITIES", subcategory: "RENT_AND_UTILITIES_RENT", pending: 0, payment_channel: "online" },
+    // ── Utilities ──
+    { transaction_id: txId(), account_id: CHK, amount: 138.42, date: monthDay(0, 15), name: "PG&E", merchant_name: "PG&E", category: "RENT_AND_UTILITIES", subcategory: "RENT_AND_UTILITIES_GAS_AND_ELECTRICITY", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 125.80, date: monthDay(1, 15), name: "PG&E", merchant_name: "PG&E", category: "RENT_AND_UTILITIES", subcategory: "RENT_AND_UTILITIES_GAS_AND_ELECTRICITY", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 142.15, date: monthDay(2, 15), name: "PG&E", merchant_name: "PG&E", category: "RENT_AND_UTILITIES", subcategory: "RENT_AND_UTILITIES_GAS_AND_ELECTRICITY", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 79.99, date: monthDay(0, 12), name: "Comcast Internet", merchant_name: "Comcast", category: "RENT_AND_UTILITIES", subcategory: "RENT_AND_UTILITIES_INTERNET_AND_CABLE", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 79.99, date: monthDay(1, 12), name: "Comcast Internet", merchant_name: "Comcast", category: "RENT_AND_UTILITIES", subcategory: "RENT_AND_UTILITIES_INTERNET_AND_CABLE", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 79.99, date: monthDay(2, 12), name: "Comcast Internet", merchant_name: "Comcast", category: "RENT_AND_UTILITIES", subcategory: "RENT_AND_UTILITIES_INTERNET_AND_CABLE", pending: 0, payment_channel: "online" },
+    // ── Food & Drink (this month — targeting ~$450 spend) ──
+    { transaction_id: txId(), account_id: AMEX, amount: 89.42, date: monthDay(0, 3), name: "Whole Foods Market", merchant_name: "Whole Foods", category: "FOOD_AND_DRINK", subcategory: "FOOD_AND_DRINK_GROCERIES", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 52.18, date: monthDay(0, 7), name: "Trader Joe's", merchant_name: "Trader Joe's", category: "FOOD_AND_DRINK", subcategory: "FOOD_AND_DRINK_GROCERIES", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 34.67, date: monthDay(0, 14), name: "Safeway", merchant_name: "Safeway", category: "FOOD_AND_DRINK", subcategory: "FOOD_AND_DRINK_GROCERIES", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 67.30, date: monthDay(0, 5), name: "Olive Garden", merchant_name: "Olive Garden", category: "FOOD_AND_DRINK", subcategory: "FOOD_AND_DRINK_RESTAURANTS", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 42.80, date: monthDay(0, 10), name: "Thai Kitchen", merchant_name: "Thai Kitchen", category: "FOOD_AND_DRINK", subcategory: "FOOD_AND_DRINK_RESTAURANTS", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 12.45, date: monthDay(0, 8), name: "Chipotle", merchant_name: "Chipotle", category: "FOOD_AND_DRINK", subcategory: "FOOD_AND_DRINK_FAST_FOOD", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 6.50, date: yesterday(), name: "Starbucks", merchant_name: "Starbucks", category: "FOOD_AND_DRINK", subcategory: "FOOD_AND_DRINK_COFFEE", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 5.75, date: today(), name: "Blue Bottle Coffee", merchant_name: "Blue Bottle", category: "FOOD_AND_DRINK", subcategory: "FOOD_AND_DRINK_COFFEE", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 78.50, date: monthDay(0, 18), name: "Whole Foods Market", merchant_name: "Whole Foods", category: "FOOD_AND_DRINK", subcategory: "FOOD_AND_DRINK_GROCERIES", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 58.35, date: daysAgo(3), name: "Sushi Roku", merchant_name: "Sushi Roku", category: "FOOD_AND_DRINK", subcategory: "FOOD_AND_DRINK_RESTAURANTS", pending: 0, payment_channel: "in store" },
+    // ── Food & Drink (last month) ──
+    { transaction_id: txId(), account_id: AMEX, amount: 92.10, date: monthDay(1, 5), name: "Whole Foods Market", merchant_name: "Whole Foods", category: "FOOD_AND_DRINK", subcategory: "FOOD_AND_DRINK_GROCERIES", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 48.75, date: monthDay(1, 12), name: "Trader Joe's", merchant_name: "Trader Joe's", category: "FOOD_AND_DRINK", subcategory: "FOOD_AND_DRINK_GROCERIES", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 55.20, date: monthDay(1, 18), name: "Nobu", merchant_name: "Nobu", category: "FOOD_AND_DRINK", subcategory: "FOOD_AND_DRINK_RESTAURANTS", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 14.30, date: monthDay(1, 22), name: "Chipotle", merchant_name: "Chipotle", category: "FOOD_AND_DRINK", subcategory: "FOOD_AND_DRINK_FAST_FOOD", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 6.50, date: monthDay(1, 8), name: "Starbucks", merchant_name: "Starbucks", category: "FOOD_AND_DRINK", subcategory: "FOOD_AND_DRINK_COFFEE", pending: 0, payment_channel: "in store" },
+    // ── Shopping (this month — large Apple purchase triggers alert) ──
+    { transaction_id: txId(), account_id: AMEX, amount: 34.99, date: daysAgo(12), name: "Amazon", merchant_name: "Amazon", category: "GENERAL_MERCHANDISE", subcategory: "GENERAL_MERCHANDISE_ONLINE_MARKETPLACES", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: AMEX, amount: 67.23, date: daysAgo(8), name: "Target", merchant_name: "Target", category: "GENERAL_MERCHANDISE", subcategory: "GENERAL_MERCHANDISE_SUPERSTORES", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 29.99, date: daysAgo(4), name: "Uniqlo", merchant_name: "Uniqlo", category: "GENERAL_MERCHANDISE", subcategory: "GENERAL_MERCHANDISE_CLOTHING_AND_ACCESSORIES", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 849.99, date: today(), name: "Apple Store", merchant_name: "Apple", category: "GENERAL_MERCHANDISE", subcategory: "GENERAL_MERCHANDISE_ELECTRONICS", pending: 0, payment_channel: "in store" },
+    // ── Shopping (last month) ──
+    { transaction_id: txId(), account_id: AMEX, amount: 299.99, date: monthDay(1, 10), name: "Best Buy", merchant_name: "Best Buy", category: "GENERAL_MERCHANDISE", subcategory: "GENERAL_MERCHANDISE_ELECTRONICS", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: AMEX, amount: 42.50, date: monthDay(1, 16), name: "Amazon", merchant_name: "Amazon", category: "GENERAL_MERCHANDISE", subcategory: "GENERAL_MERCHANDISE_ONLINE_MARKETPLACES", pending: 0, payment_channel: "online" },
+    // ── Transportation (this month — targeting ~$100) ──
+    { transaction_id: txId(), account_id: CHK, amount: 52.40, date: monthDay(0, 6), name: "Shell", merchant_name: "Shell", category: "TRANSPORTATION", subcategory: "TRANSPORTATION_GAS", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: CHK, amount: 18.75, date: monthDay(0, 11), name: "Uber", merchant_name: "Uber", category: "TRANSPORTATION", subcategory: "TRANSPORTATION_TAXIS_AND_RIDE_SHARES", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 24.30, date: yesterday(), name: "Uber", merchant_name: "Uber", category: "TRANSPORTATION", subcategory: "TRANSPORTATION_TAXIS_AND_RIDE_SHARES", pending: 0, payment_channel: "online" },
+    // ── Transportation (last month) ──
+    { transaction_id: txId(), account_id: CHK, amount: 48.90, date: monthDay(1, 8), name: "Shell", merchant_name: "Shell", category: "TRANSPORTATION", subcategory: "TRANSPORTATION_GAS", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: CHK, amount: 35.00, date: monthDay(1, 14), name: "Clipper Card", merchant_name: "BART", category: "TRANSPORTATION", subcategory: "TRANSPORTATION_PUBLIC_TRANSIT", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 22.15, date: monthDay(1, 25), name: "Uber", merchant_name: "Uber", category: "TRANSPORTATION", subcategory: "TRANSPORTATION_TAXIS_AND_RIDE_SHARES", pending: 0, payment_channel: "online" },
+    // ── Entertainment (this month — targeting ~$85) ──
+    { transaction_id: txId(), account_id: CHK, amount: 15.99, date: monthDay(0, 2), name: "Netflix", merchant_name: "Netflix", category: "ENTERTAINMENT", subcategory: "ENTERTAINMENT_TV_AND_MOVIES", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 10.99, date: monthDay(0, 2), name: "Spotify", merchant_name: "Spotify", category: "ENTERTAINMENT", subcategory: "ENTERTAINMENT_MUSIC_AND_AUDIO", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 28.50, date: monthDay(0, 16), name: "AMC Theaters", merchant_name: "AMC", category: "ENTERTAINMENT", subcategory: "ENTERTAINMENT_TV_AND_MOVIES", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: CHK, amount: 49.99, date: daysAgo(5), name: "Steam", merchant_name: "Steam", category: "ENTERTAINMENT", subcategory: "ENTERTAINMENT_GAMES", pending: 0, payment_channel: "online" },
+    // ── Entertainment (last month) ──
+    { transaction_id: txId(), account_id: CHK, amount: 15.99, date: monthDay(1, 2), name: "Netflix", merchant_name: "Netflix", category: "ENTERTAINMENT", subcategory: "ENTERTAINMENT_TV_AND_MOVIES", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 10.99, date: monthDay(1, 2), name: "Spotify", merchant_name: "Spotify", category: "ENTERTAINMENT", subcategory: "ENTERTAINMENT_MUSIC_AND_AUDIO", pending: 0, payment_channel: "online" },
+    // ── Personal Care ──
+    { transaction_id: txId(), account_id: CHK, amount: 35.00, date: monthDay(0, 17), name: "Supercuts", merchant_name: "Supercuts", category: "PERSONAL_CARE", subcategory: "PERSONAL_CARE_HAIR_AND_BEAUTY", pending: 0, payment_channel: "in store" },
+    { transaction_id: txId(), account_id: CHK, amount: 22.47, date: daysAgo(2), name: "CVS Pharmacy", merchant_name: "CVS", category: "MEDICAL", subcategory: "MEDICAL_PHARMACIES_AND_SUPPLEMENTS", pending: 0, payment_channel: "in store" },
+    // ── Loan Payments ──
+    { transaction_id: txId(), account_id: CHK, amount: 2100, date: monthDay(0, 1), name: "Chase Mortgage Payment", merchant_name: "Chase", category: "LOAN_PAYMENTS", subcategory: "LOAN_PAYMENTS_MORTGAGE_PAYMENT", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 2100, date: monthDay(1, 1), name: "Chase Mortgage Payment", merchant_name: "Chase", category: "LOAN_PAYMENTS", subcategory: "LOAN_PAYMENTS_MORTGAGE_PAYMENT", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 2100, date: monthDay(2, 1), name: "Chase Mortgage Payment", merchant_name: "Chase", category: "LOAN_PAYMENTS", subcategory: "LOAN_PAYMENTS_MORTGAGE_PAYMENT", pending: 0, payment_channel: "online" },
+    // ── Gym ──
+    { transaction_id: txId(), account_id: CHK, amount: 95, date: monthDay(0, 5), name: "Equinox", merchant_name: "Equinox", category: "PERSONAL_CARE", subcategory: "PERSONAL_CARE_GYMS_AND_FITNESS_CENTERS", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 95, date: monthDay(1, 5), name: "Equinox", merchant_name: "Equinox", category: "PERSONAL_CARE", subcategory: "PERSONAL_CARE_GYMS_AND_FITNESS_CENTERS", pending: 0, payment_channel: "online" },
+    // ── Car Insurance ──
+    { transaction_id: txId(), account_id: CHK, amount: 145, date: monthDay(0, 20), name: "GEICO", merchant_name: "GEICO", category: "GENERAL_SERVICES", subcategory: "GENERAL_SERVICES_INSURANCE", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 145, date: monthDay(1, 20), name: "GEICO", merchant_name: "GEICO", category: "GENERAL_SERVICES", subcategory: "GENERAL_SERVICES_INSURANCE", pending: 0, payment_channel: "online" },
+    // ── iCloud ──
+    { transaction_id: txId(), account_id: CHK, amount: 2.99, date: monthDay(0, 3), name: "Apple iCloud", merchant_name: "Apple", category: "GENERAL_SERVICES", subcategory: "GENERAL_SERVICES_OTHER_GENERAL_SERVICES", pending: 0, payment_channel: "online" },
+    { transaction_id: txId(), account_id: CHK, amount: 2.99, date: monthDay(1, 3), name: "Apple iCloud", merchant_name: "Apple", category: "GENERAL_SERVICES", subcategory: "GENERAL_SERVICES_OTHER_GENERAL_SERVICES", pending: 0, payment_channel: "online" },
+];
+// ─── Securities ─── //
+export const securities = [
+    { security_id: "demo-sec-aapl", name: "Apple Inc", ticker: "AAPL", type: "equity", close_price: 227.50, close_price_as_of: daysAgo(1) },
+    { security_id: "demo-sec-tsla", name: "Tesla Inc", ticker: "TSLA", type: "equity", close_price: 172.30, close_price_as_of: daysAgo(1) },
+    { security_id: "demo-sec-voo", name: "Vanguard S&P 500 ETF", ticker: "VOO", type: "etf", close_price: 532.80, close_price_as_of: daysAgo(1) },
+    { security_id: "demo-sec-vtsax", name: "Vanguard Total Stock Market Index", ticker: "VTSAX", type: "mutual fund", close_price: 118.45, close_price_as_of: daysAgo(1) },
+    { security_id: "demo-sec-vbtlx", name: "Vanguard Total Bond Market Index", ticker: "VBTLX", type: "mutual fund", close_price: 10.82, close_price_as_of: daysAgo(1) },
+    { security_id: "demo-sec-vttvx", name: "Vanguard Target Retirement 2035", ticker: "VTTVX", type: "mutual fund", close_price: 28.15, close_price_as_of: daysAgo(1) },
+];
+// ─── Holdings ─── //
+export const holdings = [
+    { account_id: "demo-robinhood-brokerage", security_id: "demo-sec-aapl", quantity: 50, value: 11375, cost_basis: 8500, price: 227.50, price_as_of: daysAgo(1), vested_value: null, vested_quantity: null },
+    { account_id: "demo-robinhood-brokerage", security_id: "demo-sec-tsla", quantity: 35, value: 6030.50, cost_basis: 7000, price: 172.30, price_as_of: daysAgo(1), vested_value: null, vested_quantity: null },
+    { account_id: "demo-robinhood-brokerage", security_id: "demo-sec-voo", quantity: 31, value: 16516.80, cost_basis: 14200, price: 532.80, price_as_of: daysAgo(1), vested_value: null, vested_quantity: null },
+    { account_id: "demo-schwab-401k", security_id: "demo-sec-vtsax", quantity: 280, value: 33166, cost_basis: 28000, price: 118.45, price_as_of: daysAgo(1), vested_value: 33166, vested_quantity: 280 },
+    { account_id: "demo-schwab-401k", security_id: "demo-sec-vbtlx", quantity: 1200, value: 12984, cost_basis: 12500, price: 10.82, price_as_of: daysAgo(1), vested_value: 12984, vested_quantity: 1200 },
+    { account_id: "demo-schwab-401k", security_id: "demo-sec-vttvx", quantity: 740, value: 20831, cost_basis: 18500, price: 28.15, price_as_of: daysAgo(1), vested_value: 20831, vested_quantity: 740 },
+];
+// ─── Liabilities ─── //
+export const liabilities = [
+    {
+        account_id: "demo-amex-gold", type: "credit", interest_rate: 24.99, origination_date: null,
+        original_balance: null, current_balance: 1830, minimum_payment: 35,
+        next_payment_due: monthDay(0, 28), last_payment_amount: 500, last_payment_date: monthDay(1, 25),
+        credit_limit: 15000, last_statement_issue_date: monthDay(1, 28), is_overdue: 0,
+        apr_type: "variable", maturity_date: null, loan_type: null, property_address: null,
+        escrow_balance: null, loan_status: null, loan_name: null, repayment_plan: null,
+        expected_payoff_date: null, ytd_interest_paid: null, ytd_principal_paid: null,
+    },
+    {
+        account_id: "demo-chase-mortgage", type: "mortgage", interest_rate: 6.875,
+        origination_date: yearsAgo(3), original_balance: 320000, current_balance: 285000,
+        minimum_payment: 2100, next_payment_due: monthDay(-1, 1),
+        last_payment_amount: 2100, last_payment_date: monthDay(0, 1),
+        credit_limit: null, last_statement_issue_date: null, is_overdue: 0,
+        apr_type: "fixed", maturity_date: monthsFromNow(27 * 12), loan_type: "conventional",
+        property_address: "123 Main St, San Francisco, CA 94102",
+        escrow_balance: 4200, loan_status: "active", loan_name: "30yr Fixed",
+        repayment_plan: null, expected_payoff_date: monthsFromNow(27 * 12),
+        ytd_interest_paid: 6125, ytd_principal_paid: 2175,
+    },
+];
+// ─── Recurring ─── //
+export const recurring = [
+    { stream_id: "demo-rec-salary", account_id: CHK, merchant_name: "Acme Corp", description: "Payroll - Acme Corp", frequency: "BIWEEKLY", category: "INCOME", subcategory: "INCOME_WAGES", avg_amount: -4250, last_amount: -4250, first_date: yearsAgo(2), last_date: monthDay(0, 15), is_active: 1, status: "MATURE", stream_type: "inflow" },
+    { stream_id: "demo-rec-freelance", account_id: CHK, merchant_name: "Client LLC", description: "Wire Transfer - Client LLC", frequency: "MONTHLY", category: "INCOME", subcategory: "INCOME_OTHER", avg_amount: -800, last_amount: -800, first_date: yearsAgo(1), last_date: monthDay(1, 20), is_active: 1, status: "MATURE", stream_type: "inflow" },
+    { stream_id: "demo-rec-rent", account_id: CHK, merchant_name: null, description: "Rent Payment", frequency: "MONTHLY", category: "RENT_AND_UTILITIES", subcategory: "RENT_AND_UTILITIES_RENT", avg_amount: 1850, last_amount: 1850, first_date: yearsAgo(2), last_date: monthDay(0, 1), is_active: 1, status: "MATURE", stream_type: "outflow" },
+    { stream_id: "demo-rec-netflix", account_id: CHK, merchant_name: "Netflix", description: "Netflix", frequency: "MONTHLY", category: "ENTERTAINMENT", subcategory: "ENTERTAINMENT_TV_AND_MOVIES", avg_amount: 15.99, last_amount: 15.99, first_date: yearsAgo(3), last_date: monthDay(0, 2), is_active: 1, status: "MATURE", stream_type: "outflow" },
+    { stream_id: "demo-rec-spotify", account_id: CHK, merchant_name: "Spotify", description: "Spotify Premium", frequency: "MONTHLY", category: "ENTERTAINMENT", subcategory: "ENTERTAINMENT_MUSIC_AND_AUDIO", avg_amount: 10.99, last_amount: 10.99, first_date: yearsAgo(2), last_date: monthDay(0, 2), is_active: 1, status: "MATURE", stream_type: "outflow" },
+    { stream_id: "demo-rec-electric", account_id: CHK, merchant_name: "PG&E", description: "PG&E Electric", frequency: "MONTHLY", category: "RENT_AND_UTILITIES", subcategory: "RENT_AND_UTILITIES_GAS_AND_ELECTRICITY", avg_amount: 135, last_amount: 138.42, first_date: yearsAgo(2), last_date: monthDay(0, 15), is_active: 1, status: "MATURE", stream_type: "outflow" },
+    { stream_id: "demo-rec-internet", account_id: CHK, merchant_name: "Comcast", description: "Comcast Internet", frequency: "MONTHLY", category: "RENT_AND_UTILITIES", subcategory: "RENT_AND_UTILITIES_INTERNET_AND_CABLE", avg_amount: 79.99, last_amount: 79.99, first_date: yearsAgo(2), last_date: monthDay(0, 12), is_active: 1, status: "MATURE", stream_type: "outflow" },
+    { stream_id: "demo-rec-mortgage", account_id: CHK, merchant_name: "Chase", description: "Mortgage Payment", frequency: "MONTHLY", category: "LOAN_PAYMENTS", subcategory: "LOAN_PAYMENTS_MORTGAGE_PAYMENT", avg_amount: 2100, last_amount: 2100, first_date: yearsAgo(3), last_date: monthDay(0, 1), is_active: 1, status: "MATURE", stream_type: "outflow" },
+    { stream_id: "demo-rec-gym", account_id: CHK, merchant_name: "Equinox", description: "Equinox Membership", frequency: "MONTHLY", category: "PERSONAL_CARE", subcategory: "PERSONAL_CARE_GYMS_AND_FITNESS_CENTERS", avg_amount: 95, last_amount: 95, first_date: yearsAgo(1), last_date: monthDay(0, 5), is_active: 1, status: "MATURE", stream_type: "outflow" },
+    { stream_id: "demo-rec-icloud", account_id: CHK, merchant_name: "Apple", description: "iCloud Storage", frequency: "MONTHLY", category: "GENERAL_SERVICES", subcategory: "GENERAL_SERVICES_OTHER_GENERAL_SERVICES", avg_amount: 2.99, last_amount: 2.99, first_date: yearsAgo(4), last_date: monthDay(0, 3), is_active: 1, status: "MATURE", stream_type: "outflow" },
+];
+// ─── Budgets ─── //
+export const budgets = [
+    { category: "FOOD_AND_DRINK", monthly_limit: 600, period: "monthly" },
+    { category: "GENERAL_MERCHANDISE", monthly_limit: 400, period: "monthly" },
+    { category: "ENTERTAINMENT", monthly_limit: 150, period: "monthly" },
+    { category: "TRANSPORTATION", monthly_limit: 200, period: "monthly" },
+];
+// ─── Goals ─── //
+export const goals = [
+    { name: "Emergency Fund", target_amount: 15000, current_amount: 6200, target_date: monthsFromNow(8), status: "active" },
+    { name: "Japan Vacation", target_amount: 5000, current_amount: 2800, target_date: monthsFromNow(5), status: "active" },
+    { name: "New Car Down Payment", target_amount: 8000, current_amount: 1200, target_date: monthsFromNow(14), status: "active" },
+];
+// ─── Daily Scores (14 days, building streaks) ─── //
+export const dailyScores = [
+    { date: daysAgo(13), score: 72, restaurant_count: 1, shopping_count: 0, food_spend: 55.20, total_spend: 180.40, zero_spend: 0, no_restaurant_streak: 0, no_shopping_streak: 1, on_pace_streak: 1 },
+    { date: daysAgo(12), score: 68, restaurant_count: 0, shopping_count: 1, food_spend: 12.30, total_spend: 210.50, zero_spend: 0, no_restaurant_streak: 1, no_shopping_streak: 0, on_pace_streak: 0 },
+    { date: daysAgo(11), score: 75, restaurant_count: 0, shopping_count: 0, food_spend: 0, total_spend: 95.00, zero_spend: 0, no_restaurant_streak: 2, no_shopping_streak: 1, on_pace_streak: 1 },
+    { date: daysAgo(10), score: 92, restaurant_count: 0, shopping_count: 0, food_spend: 0, total_spend: 0, zero_spend: 1, no_restaurant_streak: 3, no_shopping_streak: 2, on_pace_streak: 2 },
+    { date: daysAgo(9), score: 78, restaurant_count: 1, shopping_count: 0, food_spend: 42.80, total_spend: 120.30, zero_spend: 0, no_restaurant_streak: 0, no_shopping_streak: 3, on_pace_streak: 3 },
+    { date: daysAgo(8), score: 65, restaurant_count: 0, shopping_count: 1, food_spend: 6.50, total_spend: 250.00, zero_spend: 0, no_restaurant_streak: 1, no_shopping_streak: 0, on_pace_streak: 0 },
+    { date: daysAgo(7), score: 80, restaurant_count: 0, shopping_count: 0, food_spend: 34.67, total_spend: 34.67, zero_spend: 0, no_restaurant_streak: 2, no_shopping_streak: 1, on_pace_streak: 1 },
+    { date: daysAgo(6), score: 85, restaurant_count: 0, shopping_count: 0, food_spend: 0, total_spend: 15.99, zero_spend: 0, no_restaurant_streak: 3, no_shopping_streak: 2, on_pace_streak: 2 },
+    { date: daysAgo(5), score: 70, restaurant_count: 0, shopping_count: 0, food_spend: 0, total_spend: 49.99, zero_spend: 0, no_restaurant_streak: 4, no_shopping_streak: 3, on_pace_streak: 3 },
+    { date: daysAgo(4), score: 82, restaurant_count: 0, shopping_count: 0, food_spend: 29.99, total_spend: 29.99, zero_spend: 0, no_restaurant_streak: 5, no_shopping_streak: 4, on_pace_streak: 4 },
+    { date: daysAgo(3), score: 74, restaurant_count: 1, shopping_count: 0, food_spend: 58.35, total_spend: 58.35, zero_spend: 0, no_restaurant_streak: 0, no_shopping_streak: 5, on_pace_streak: 5 },
+    { date: daysAgo(2), score: 83, restaurant_count: 0, shopping_count: 0, food_spend: 22.47, total_spend: 22.47, zero_spend: 0, no_restaurant_streak: 1, no_shopping_streak: 6, on_pace_streak: 6 },
+    { date: yesterday(), score: 88, restaurant_count: 0, shopping_count: 0, food_spend: 6.50, total_spend: 30.80, zero_spend: 0, no_restaurant_streak: 2, no_shopping_streak: 7, on_pace_streak: 7 },
+    { date: today(), score: 76, restaurant_count: 0, shopping_count: 0, food_spend: 5.75, total_spend: 855.74, zero_spend: 0, no_restaurant_streak: 3, no_shopping_streak: 8, on_pace_streak: 0 },
+];
+// ─── Achievements ─── //
+export const achievements = [
+    { key: "on_pace_7", name: "Clean Week", description: "7 consecutive days with all budgets on pace", unlocked_at: yesterday() },
+    { key: "no_shopping_7", name: "Window Shopper", description: "7 days with zero shopping purchases", unlocked_at: daysAgo(2) },
+    { key: "no_restaurant_7", name: "Kitchen Hero", description: "7-day no-restaurant streak", unlocked_at: daysAgo(5) },
+    { key: "zero_hero", name: "Zero Hero", description: "A zero-spend day", unlocked_at: daysAgo(10) },
+];
+// ─── Net Worth History (30 days) ─── //
+export const netWorthHistory = [];
+{
+    const baseAssets = 539000;
+    const baseLiabilities = 287200;
+    for (let i = 29; i >= 0; i--) {
+        const jitter = Math.sin(i * 0.7) * 150 + (29 - i) * 130;
+        const assets = Math.round((baseAssets + jitter) * 100) / 100;
+        const liabJitter = Math.sin(i * 0.5) * 50 - (29 - i) * 8;
+        const liab = Math.round((baseLiabilities + liabJitter) * 100) / 100;
+        netWorthHistory.push({
+            date: daysAgo(i),
+            total_assets: assets,
+            total_liabilities: liab,
+            net_worth: Math.round((assets - liab) * 100) / 100,
+        });
+    }
+}
+// ─── Investment Transactions ─── //
+export const investmentTransactions = [
+    { investment_transaction_id: "demo-inv-tx-1", account_id: "demo-robinhood-brokerage", security_id: "demo-sec-aapl", date: daysAgo(30), name: "Buy AAPL", quantity: 5, amount: -1100.75, price: 220.15, fees: 0, type: "buy", subtype: "buy", iso_currency_code: "USD" },
+    { investment_transaction_id: "demo-inv-tx-2", account_id: "demo-robinhood-brokerage", security_id: "demo-sec-voo", date: daysAgo(45), name: "Buy VOO", quantity: 10, amount: -5284.00, price: 528.40, fees: 0, type: "buy", subtype: "buy", iso_currency_code: "USD" },
+    { investment_transaction_id: "demo-inv-tx-3", account_id: "demo-robinhood-brokerage", security_id: "demo-sec-voo", date: daysAgo(15), name: "Dividend VOO", quantity: 0, amount: -32.50, price: 0, fees: 0, type: "cash", subtype: "dividend", iso_currency_code: "USD" },
+    { investment_transaction_id: "demo-inv-tx-4", account_id: "demo-schwab-401k", security_id: "demo-sec-vtsax", date: daysAgo(14), name: "401k Contribution", quantity: 8.5, amount: -1006.83, price: 118.45, fees: 0, type: "buy", subtype: "contribution", iso_currency_code: "USD" },
+    { investment_transaction_id: "demo-inv-tx-5", account_id: "demo-schwab-401k", security_id: "demo-sec-vtsax", date: daysAgo(28), name: "401k Contribution", quantity: 8.5, amount: -1006.83, price: 118.45, fees: 0, type: "buy", subtype: "contribution", iso_currency_code: "USD" },
+    { investment_transaction_id: "demo-inv-tx-6", account_id: "demo-schwab-401k", security_id: "demo-sec-vbtlx", date: daysAgo(20), name: "Dividend VBTLX", quantity: 0, amount: -18.40, price: 0, fees: 0, type: "cash", subtype: "dividend", iso_currency_code: "USD" },
+];
+// ─── Recurring Bills ─── //
+export const recurringBills = [
+    { name: "Rent", amount: 1850, day_of_month: 1, type: "housing", account_id: CHK },
+    { name: "Mortgage", amount: 2100, day_of_month: 1, type: "housing", account_id: CHK },
+    { name: "Electric", amount: 135, day_of_month: 15, type: "utility", account_id: CHK },
+    { name: "Internet", amount: 79.99, day_of_month: 12, type: "utility", account_id: CHK },
+    { name: "Car Insurance", amount: 145, day_of_month: 20, type: "insurance", account_id: CHK },
+];
+// ─── Memories ─── //
+export const memories = [
+    { content: "User prefers index fund investing and dollar-cost averaging", category: "preference" },
+    { content: "User is saving for a trip to Japan next year", category: "goal" },
+];

package/dist/demo/logos.d.ts

@@ -0,0 +1,8 @@
+/** Generate a minimal 4x4 solid-color PNG as base64 from a hex color string. */
+export declare function colorPng(hex: string): string;
+export declare const LOGOS: {
+    chase: string;
+    robinhood: string;
+    schwab: string;
+    amex: string;
+};

package/dist/demo/logos.js

@@ -0,0 +1,58 @@
+import { deflateSync } from "zlib";
+/** Generate a minimal 4x4 solid-color PNG as base64 from a hex color string. */
+export function colorPng(hex) {
+    const r = parseInt(hex.slice(1, 3), 16);
+    const g = parseInt(hex.slice(3, 5), 16);
+    const b = parseInt(hex.slice(5, 7), 16);
+    // PNG signature
+    const signature = Buffer.from([137, 80, 78, 71, 13, 10, 26, 10]);
+    // IHDR chunk: 4x4, 8-bit RGB
+    const ihdrData = Buffer.alloc(13);
+    ihdrData.writeUInt32BE(4, 0); // width
+    ihdrData.writeUInt32BE(4, 4); // height
+    ihdrData[8] = 8; // bit depth
+    ihdrData[9] = 2; // color type: RGB
+    const ihdr = makeChunk("IHDR", ihdrData);
+    // IDAT chunk: raw pixel data (filter byte 0 + 4 RGB pixels per row)
+    const rowLen = 1 + 4 * 3; // filter byte + 4 pixels * 3 channels
+    const raw = Buffer.alloc(rowLen * 4);
+    for (let y = 0; y < 4; y++) {
+        const offset = y * rowLen;
+        raw[offset] = 0; // no filter
+        for (let x = 0; x < 4; x++) {
+            raw[offset + 1 + x * 3] = r;
+            raw[offset + 2 + x * 3] = g;
+            raw[offset + 3 + x * 3] = b;
+        }
+    }
+    const compressed = deflateSync(raw);
+    const idat = makeChunk("IDAT", compressed);
+    // IEND chunk
+    const iend = makeChunk("IEND", Buffer.alloc(0));
+    return Buffer.concat([signature, ihdr, idat, iend]).toString("base64");
+}
+function makeChunk(type, data) {
+    const len = Buffer.alloc(4);
+    len.writeUInt32BE(data.length);
+    const typeBuffer = Buffer.from(type, "ascii");
+    const crcInput = Buffer.concat([typeBuffer, data]);
+    const crc = Buffer.alloc(4);
+    crc.writeUInt32BE(crc32(crcInput) >>> 0);
+    return Buffer.concat([len, typeBuffer, data, crc]);
+}
+function crc32(buf) {
+    let c = 0xffffffff;
+    for (let i = 0; i < buf.length; i++) {
+        c ^= buf[i];
+        for (let j = 0; j < 8; j++) {
+            c = (c >>> 1) ^ (c & 1 ? 0xedb88320 : 0);
+        }
+    }
+    return c ^ 0xffffffff;
+}
+export const LOGOS = {
+    chase: colorPng("#003087"),
+    robinhood: colorPng("#00C805"),
+    schwab: colorPng("#00A0DF"),
+    amex: colorPng("#006FCF"),
+};

package/dist/demo/seed.d.ts

@@ -0,0 +1 @@
+export declare function seedDemoDb(dbPath: string, encryptionKey?: string): void;

package/dist/demo/seed.js

@@ -0,0 +1,125 @@
+import Database from "libsql";
+import { resolve, dirname } from "path";
+import { mkdirSync, existsSync, unlinkSync } from "fs";
+import { migrate } from "../db/schema.js";
+import { institutions, accounts, transactions, securities, holdings, liabilities, recurring, budgets, goals, dailyScores, achievements, netWorthHistory, investmentTransactions, recurringBills, memories, } from "./data.js";
+export function seedDemoDb(dbPath, encryptionKey) {
+    const resolved = resolve(dbPath);
+    const dir = dirname(resolved);
+    mkdirSync(dir, { recursive: true });
+    // Remove existing demo DB for a clean slate
+    for (const suffix of ["", "-wal", "-shm"]) {
+        const f = resolved + suffix;
+        if (existsSync(f))
+            unlinkSync(f);
+    }
+    const opts = {};
+    if (encryptionKey) {
+        opts.encryptionCipher = "aes256cbc";
+        opts.encryptionKey = encryptionKey;
+    }
+    const db = new Database(dbPath, opts);
+    db.pragma("journal_mode = WAL");
+    db.pragma("foreign_keys = ON");
+    migrate(db);
+    const seed = db.transaction(() => {
+        // Institutions
+        const instStmt = db.prepare(`INSERT INTO institutions (item_id, access_token, name, products, logo, primary_color) VALUES (?, ?, ?, ?, ?, ?)`);
+        for (const i of institutions) {
+            instStmt.run(i.item_id, i.access_token, i.name, i.products, i.logo, i.primary_color);
+        }
+        // Accounts
+        const acctStmt = db.prepare(`INSERT INTO accounts (account_id, item_id, name, official_name, type, subtype, mask, current_balance, available_balance, currency, balance_limit) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)`);
+        for (const a of accounts) {
+            acctStmt.run(a.account_id, a.item_id, a.name, a.official_name, a.type, a.subtype, a.mask, a.current_balance, a.available_balance, a.currency, a.balance_limit);
+        }
+        // Transactions
+        const txStmt = db.prepare(`INSERT INTO transactions (transaction_id, account_id, amount, date, name, merchant_name, category, subcategory, pending, payment_channel) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?)`);
+        for (const t of transactions) {
+            txStmt.run(t.transaction_id, t.account_id, t.amount, t.date, t.name, t.merchant_name, t.category, t.subcategory, t.pending, t.payment_channel);
+        }
+        // Securities
+        const secStmt = db.prepare(`INSERT INTO securities (security_id, name, ticker, type, close_price, close_price_as_of) VALUES (?, ?, ?, ?, ?, ?)`);
+        for (const s of securities) {
+            secStmt.run(s.security_id, s.name, s.ticker, s.type, s.close_price, s.close_price_as_of);
+        }
+        // Holdings
+        const holdStmt = db.prepare(`INSERT INTO holdings (account_id, security_id, quantity, value, cost_basis, price, price_as_of, vested_value, vested_quantity) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?)`);
+        for (const h of holdings) {
+            holdStmt.run(h.account_id, h.security_id, h.quantity, h.value, h.cost_basis, h.price, h.price_as_of, h.vested_value, h.vested_quantity);
+        }
+        // Liabilities
+        const liabStmt = db.prepare(`INSERT INTO liabilities (account_id, type, interest_rate, origination_date, original_balance, current_balance, minimum_payment, next_payment_due, last_payment_amount, last_payment_date, credit_limit, last_statement_issue_date, is_overdue, apr_type, maturity_date, loan_type, property_address, escrow_balance, loan_status, loan_name, repayment_plan, expected_payoff_date, ytd_interest_paid, ytd_principal_paid) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)`);
+        for (const l of liabilities) {
+            liabStmt.run(l.account_id, l.type, l.interest_rate, l.origination_date, l.original_balance, l.current_balance, l.minimum_payment, l.next_payment_due, l.last_payment_amount, l.last_payment_date, l.credit_limit, l.last_statement_issue_date, l.is_overdue, l.apr_type, l.maturity_date, l.loan_type, l.property_address, l.escrow_balance, l.loan_status, l.loan_name, l.repayment_plan, l.expected_payoff_date, l.ytd_interest_paid, l.ytd_principal_paid);
+        }
+        // Recurring
+        const recStmt = db.prepare(`INSERT INTO recurring (stream_id, account_id, merchant_name, description, frequency, category, subcategory, avg_amount, last_amount, first_date, last_date, is_active, status, stream_type) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)`);
+        for (const r of recurring) {
+            recStmt.run(r.stream_id, r.account_id, r.merchant_name, r.description, r.frequency, r.category, r.subcategory, r.avg_amount, r.last_amount, r.first_date, r.last_date, r.is_active, r.status, r.stream_type);
+        }
+        // Budgets
+        const budgetStmt = db.prepare(`INSERT INTO budgets (category, monthly_limit, period) VALUES (?, ?, ?)`);
+        for (const b of budgets) {
+            budgetStmt.run(b.category, b.monthly_limit, b.period);
+        }
+        // Goals
+        const goalStmt = db.prepare(`INSERT INTO goals (name, target_amount, current_amount, target_date, status) VALUES (?, ?, ?, ?, ?)`);
+        for (const g of goals) {
+            goalStmt.run(g.name, g.target_amount, g.current_amount, g.target_date, g.status);
+        }
+        // Daily Scores
+        const scoreStmt = db.prepare(`INSERT INTO daily_scores (date, score, restaurant_count, shopping_count, food_spend, total_spend, zero_spend, no_restaurant_streak, no_shopping_streak, on_pace_streak) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?)`);
+        for (const s of dailyScores) {
+            scoreStmt.run(s.date, s.score, s.restaurant_count, s.shopping_count, s.food_spend, s.total_spend, s.zero_spend, s.no_restaurant_streak, s.no_shopping_streak, s.on_pace_streak);
+        }
+        // Achievements
+        const achStmt = db.prepare(`INSERT INTO achievements (key, name, description, unlocked_at) VALUES (?, ?, ?, ?)`);
+        for (const a of achievements) {
+            achStmt.run(a.key, a.name, a.description, a.unlocked_at);
+        }
+        // Net Worth History
+        const nwStmt = db.prepare(`INSERT INTO net_worth_history (date, total_assets, total_liabilities, net_worth) VALUES (?, ?, ?, ?)`);
+        for (const nw of netWorthHistory) {
+            nwStmt.run(nw.date, nw.total_assets, nw.total_liabilities, nw.net_worth);
+        }
+        // Investment Transactions
+        const invTxStmt = db.prepare(`INSERT INTO investment_transactions (investment_transaction_id, account_id, security_id, date, name, quantity, amount, price, fees, type, subtype, iso_currency_code) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)`);
+        for (const it of investmentTransactions) {
+            invTxStmt.run(it.investment_transaction_id, it.account_id, it.security_id, it.date, it.name, it.quantity, it.amount, it.price, it.fees, it.type, it.subtype, it.iso_currency_code);
+        }
+        // Recurring Bills
+        const billStmt = db.prepare(`INSERT INTO recurring_bills (name, amount, day_of_month, type, account_id) VALUES (?, ?, ?, ?, ?)`);
+        for (const b of recurringBills) {
+            billStmt.run(b.name, b.amount, b.day_of_month, b.type, b.account_id);
+        }
+        // Memories
+        const memStmt = db.prepare(`INSERT INTO memories (content, category) VALUES (?, ?)`);
+        for (const m of memories) {
+            memStmt.run(m.content, m.category);
+        }
+    });
+    seed();
+    console.log("Demo database seeded successfully!\n");
+    console.log(`  Institutions:    ${institutions.length}`);
+    console.log(`  Accounts:        ${accounts.length}`);
+    console.log(`  Transactions:    ${transactions.length}`);
+    console.log(`  Securities:      ${securities.length}`);
+    console.log(`  Holdings:        ${holdings.length}`);
+    console.log(`  Liabilities:     ${liabilities.length}`);
+    console.log(`  Recurring:       ${recurring.length}`);
+    console.log(`  Budgets:         ${budgets.length}`);
+    console.log(`  Goals:           ${goals.length}`);
+    console.log(`  Daily Scores:    ${dailyScores.length}`);
+    console.log(`  Achievements:    ${achievements.length}`);
+    console.log(`  Net Worth Days:  ${netWorthHistory.length}`);
+    console.log(`  Invest. Txns:    ${investmentTransactions.length}`);
+    console.log(`  Recurring Bills: ${recurringBills.length}`);
+    console.log(`  Memories:        ${memories.length}`);
+    console.log(`\n  Database: ${resolve(dbPath)}`);
+    console.log(`\n  Try it out:`);
+    console.log(`    ray --demo status`);
+    console.log(`    ray --demo accounts`);
+    console.log(`    ray --demo spending`);
+    db.close();
+}

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "ray-finance",
-  "version": "0.3.0",
+  "version": "0.3.1",
   "description": "Local-first CLI that turns your bank data into a personal AI financial advisor",
   "type": "module",
   "license": "MIT",