Milestones 0 and 1: foundation and money in (20261007.10)

Foundation: single arm64 container (Hono + SQLite via Drizzle, React + Vite),
local sign-in with long-lived sessions and passkeys, roles (read-only, full
access, admin), nightly and pre-upgrade backups, light and dark themes,
date-based version numbers, and the ideas lightbulb behind IDEAS_ENABLED.

Money in: accounts with balances, CSV import with bank detection, a column
mapping pop-up for unknown layouts, duplicate checks, transfer pairing and
undo; one-tap review with learned rules; activity with search, splits, tags,
notes and cash entries. Statement files are blocked from commits by a
pre-commit hook; tests use synthetic fixtures only.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

server/test/fixtures/synthetic/Chase9876_Activity_20261007.csv

@@ -0,0 +1,6 @@
+Transaction Date,Post Date,Description,Category,Type,Amount,Memo
+09/02/2026,09/03/2026,AMAZON MKTPL*AB12CD3E4,Shopping,Sale,-23.99,
+09/04/2026,09/05/2026,Amazon.com*ZX98YW7V6,Shopping,Sale,-112.45,
+09/06/2026,09/07/2026,AMAZON MKTPL*QR56ST7U8,Shopping,Return,18.50,
+09/09/2026,09/10/2026,JOES DINER,Food & Drink,Sale,-41.20,
+09/16/2026,09/16/2026,Payment Thank You-Mobile,,Payment,150.00,

server/test/fixtures/synthetic/Discover-Statement-20261007.csv

@@ -0,0 +1,9 @@
+Trans. Date,Post Date,Description,Amount,Category
+09/03/2026,09/03/2026,KROGER #123 CHARLOTTE NC,54.20,Supermarkets
+09/03/2026,09/03/2026,STARBUCKS #4567 CHARLOTTE NC,5.45,Restaurants
+09/03/2026,09/03/2026,STARBUCKS #4567 CHARLOTTE NC,5.45,Restaurants
+09/08/2026,09/08/2026,JOES DINER #12 CHARLOTTE NC,38.75,Restaurants
+09/11/2026,09/11/2026,INTERNET PAYMENT - THANK YOU,-500.00,Payments and Credits
+09/14/2026,09/14/2026,SHELL OIL 57444 CHARLOTTE NC,47.10,Gasoline
+09/18/2026,09/18/2026,NETFLIX.COM 866-579-7172 CA,17.99,Services
+09/22/2026,09/22/2026,BLUE MOON BOOKS #9 ASHEVILLE NC,22.00,Merchandise

server/test/fixtures/synthetic/bofa-checking.csv

@@ -0,0 +1,13 @@
+Description,,Summary Amt.
+Beginning balance as of 09/01/2026,,"2,000.00"
+Total credits,,"3,000.00"
+Total debits,,"-1,070.00"
+Ending balance as of 09/30/2026,,"3,930.00"
+
+Date,Description,Amount,Running Bal.
+09/01/2026,Beginning balance as of 09/01/2026,,"2,000.00"
+09/05/2026,"ACME CORP DES:PAYROLL ID:XXXXX12345 INDN:DOE,JANE CO ID:XXXXX12345 PPD","3,000.00","5,000.00"
+09/10/2026,"DISCOVER DES:E-PAYMENT ID:XXXXX99999 INDN:JANE DOE CO ID:XXXXX99999 WEB","-500.00","4,500.00"
+09/12/2026,"Online Banking transfer to SAV 5678 Confirmation# XXXXX12345","-300.00","4,200.00"
+09/15/2026,"CHASE CREDIT CRD DES:EPAY ID:XXXXX55555 INDN:JANE DOE CO ID:XXXXX55555 WEB","-150.00","4,050.00"
+09/20/2026,"DUKE ENERGY DES:BILL PAY ID:XXXXX77777 INDN:JANE DOE CO ID:XXXXX77777 WEB","-120.00","3,930.00"

server/test/fixtures/synthetic/bofa-savings.csv

@@ -0,0 +1,10 @@
+Description,,Summary Amt.
+Beginning balance as of 09/01/2026,,"10,000.00"
+Total credits,,"304.20"
+Total debits,,"0.00"
+Ending balance as of 09/30/2026,,"10,304.20"
+
+Date,Description,Amount,Running Bal.
+09/01/2026,Beginning balance as of 09/01/2026,,"10,000.00"
+09/12/2026,"Online Banking transfer from CHK 1234 Confirmation# XXXXX12345","300.00","10,300.00"
+09/30/2026,Interest Earned,4.20,"10,304.20"

server/test/fixtures/synthetic/unknown-bank.csv

@@ -0,0 +1,4 @@
+Posting Date;Payee Name;Withdrawal;Deposit;Balance
+2026-09-02;Corner Hardware;12.50;;987.50
+2026-09-05;Paycheck Employer;;1,200.00;2,187.50
+2026-09-07;Corner Hardware;8.25;;2,179.25