fix(orders): three defects found reviewing my own branch

None of these were caught by 105 green tests, because the code they live in was barely tested and the HTTP path was not tested at all. 1. reconcilePendingOrders hardcoded category 'dining', so any order resolved through the deferred path booked as dining regardless of merchant — a Woolworths grocery order that parks and later reconciles was misfiled. That reintroduced, through the back door, exactly the misfiling resolveCategory() exists to prevent. Now calls it. 2. reconcileCardLeg never marked a statement line as consumed, so two orders on the same card inside the +/-4 day window both bound to the same charge and each booked its own credits remainder — double-counting spend. At 10-15 orders a month on one card that is not a corner case. Migration 0020 adds matched_transaction_id with a unique index; the matcher now excludes lines already claimed. 3. The ingest API returned HTTP 200 for every parse failure, and the Slack alert fires only on non-200. So the single most likely production failure — a provider template change breaking every order at once — was completely silent. Split into NotAReceiptError (promotions, delivery updates, refund and adjustment notices: 200, silent, expected traffic) and OrderParseError (it IS a receipt and would not parse: 422, alerts). Also: order_reference now anchors on Uber's own tripReference cell rather than 'first UUID in the document'. I had claimed to verify that the first UUID was always the order UUID; that check compared against zero samples and was vacuous. tripReference is present in all 29 captured receipts and, for ue-00, equals the UUID the PDF redirect resolves to. The positional fallback remains but only flags when there is genuine ambiguity. Adds the API route's first tests — auth gate and error taxonomy — plus anchoring regressions. 63 unit + 53 integration green on five consecutive runs; corpus holds at 63/65.
feat(orders): amendments, family imports, and the ingest API
2026-07-27 01:15:39 +10:00 · 2026-07-27 00:48:20 +10:00 · 2026-07-26 22:43:10 +10:00 · 2026-07-26 22:25:26 +10:00 · 2026-07-26 22:09:31 +10:00 · 2026-07-26 19:50:21 +10:00
93 changed files with 11320 additions and 596 deletions
@@ -0,0 +1,20 @@
+{
+  "permissions": {
+    "allow": [
+      "Bash(npx next:*)",
+      "Read(//mnt/m2cache/appdata/smarthome/**)",
+      "Bash(docker compose:*)",
+      "Bash(curl -s http://localhost:4100/ -I)",
+      "Bash(grep:*)",
+      "Bash(docker port:*)",
+      "Bash(docker inspect:*)",
+      "Bash(python3 -c \"import sys,json; d=json.load\\(sys.stdin\\); [print\\(k, v['IPAddress']\\) for k,v in d.items\\(\\)]\")",
+      "Bash(npm install:*)",
+      "Bash(node_modules/.bin/vitest:*)",
+      "Bash(find:*)",
+      "Bash(xargs ls:*)",
+      "Bash(npm run:*)",
+      "Bash(docker exec postgres-personal:*)"
+    ]
+  }
+}
@@ -42,3 +42,6 @@ yarn-error.log*
 next-env.d.ts

 /src/generated/prisma
+
+# Raw statement exports — real financial data, never commit
+dump/
@@ -13,12 +13,17 @@ Personal finance tracker. Bank statements are ingested via an N8N workflow (in t

 ## Common Commands

+**Deployment is push-to-deploy via Komodo** (since 2026-07-19): pushing to `main` on
+Gitea triggers the `deploy-finance` Procedure, which runs DeployStack `--build` on the
+`finance` stack (files_on_host over `docker/finance/` in the smarthome repo). Just
+commit and push — no manual deploy needed.
+
 ```bash
-# Build and deploy (from smarthome repo root)
+# Manual fallback only (from smarthome repo root), e.g. if Komodo is down
 docker compose --env-file docker/common.env --env-file docker/finance/.env \
  -f docker/finance/docker-compose.yml up -d --build

-# IMPORTANT: docker restart does NOT pick up a new image — always use the compose command above
+# IMPORTANT: docker restart does NOT pick up a new image — push to main (or use the compose command above)

 # DB access
 docker exec postgres-personal psql -U personal -d personal
@@ -76,7 +81,24 @@ docker exec postgres-personal psql -U personal -d personal < prisma/migrations/<
 ### Key Tables

 - `statements` — one row per billing period per bank account
- `transactions` — line items; `statement_id` is nullable (NULL = manual entry); `reconciled_with_id` links a manual tx to its matched statement tx
+- `transactions` — line items; `statement_id` is nullable (NULL = manual entry); `reconciled_with_id` links a manual tx to its matched statement tx; `payment_method` (migration 0016) is `card | cash | bank_transfer | other`, NULL = unknown
+
+### Cash and reconciliation
+
+`payment_method = 'cash'` excludes a transaction from reconciliation via the
+`notCash()` fragment in `queries.ts`. Cash never appears on a statement, so
+without it a cash entry sits in the pending queue forever being offered matches
+within 3 days and 1% on amount — and accepting one is silently destructive:
+reconciled manual rows are filtered out of every query, so the cash spend
+disappears while the card transaction it matched claims to be that same spend.
+
+Only cash is excluded. Bank transfers *do* appear on a statement now that
+transaction accounts are imported, and NULL means unknown — both stay
+candidates, preserving the behaviour of every pre-existing row.
+
+ATM withdrawals stay categorised as spend rather than `transfers`. Treating them
+as transfers only works if every cash purchase is logged; with partial logging
+it silently deletes the unlogged remainder from spend totals.
 - `transaction_overrides` — user corrections to AI-extracted data (category, merchant, notes)
 - `transaction_splits` — shared expense tracking (participant, share_percent, settled)
 - `split_payments` — recorded cash settlements between participants
@@ -87,6 +109,75 @@ docker exec postgres-personal psql -U personal -d personal < prisma/migrations/<
 - `participants` — people; `id=1` is "Me" (the primary user)
 - `account_owner_mappings` — persists bank+account → owner assignments

+### Shared expenses and settlement — read before touching
+
+The model is under active redesign. See `docs/shared-expenses-design.md` for the
+proposal and what is already decided. Three traps:
+
+**`transaction_splits.settled` is dead data.** It is `false` on every row. Its
+only writer was `/api/splits/settle`, removed in `3f04cbd` because nothing called
+it and one request could mark all of a participant's splits settled. Do not build
+on this flag until settlement contexts exist.
+
+**`getParticipantBalances` computes `splits − payments` and is correct.** Do not
+"fix" it to exclude settled splits — the payments that settled them are still
+subtracted, so you would double-count. The two settlement models (running tab vs
+per-split flag) must not be mixed.
+
+**Settlement cannot be attributed per trip.** `split_payments` records only
+from/to/amount/date. Any per-trip settled/unsettled figure is fabricated; the
+trip view used to show one and always reported 100% unsettled. Trips show share
+only, and point at `/shared` for real balances.
+
+Also: settlements already exist twice. Four of eight `split_payments` match an
+offset-account credit exactly on amount and date, with `linked_transaction_id`
+populated on only one. And Sonu's loan contributions (`…emi` in the offset
+account, 39 rows, $37,980.24) are categorised `transfers`, indistinguishable from
+ordinary internal transfers.
+
+**Partial split coverage inside a category is usually correct, not a gap.** Only
+*shared* items are split. `utilities` sits at 69% yours because Globird, OVO, GWW
+and home telecoms are split while Telstra, Vodafone, Optus and JB Hi-Fi Mobile
+are personal. `subscriptions` is 91% because Uber One, Amazon Prime and OnePass
+are shared while Claude, OpenAI, Anthropic, OpenRouter, You.com, LinkedIn, Xero,
+Billdu, Spotify and Patreon are not. `fees` and `charity` are 100% yours and
+correct. Check the merchants before concluding a rule was never applied — a
+category-level ratio that "looks wrong" usually is not.
+
+Splits exist in this app from **2026-01-09** only; earlier splits lived in
+SplitMyExpenses. So a trailing-12-month per-person series splices six months of
+gross onto six months of net. Use Feb–Jun 2026 for anything per-person.
+
+### The shared loan
+
+The loan is a **separate ledger**, not a shared expense and not a settlement
+context — a contribution must never be able to settle a dinner. Sonu's obligation
+is a fixed 50% of the repayment; actual contributions vary, and the difference is
+a tracked receivable ($4,000.00 over 2025-07 → 2026-06).
+
+Do not derive the share from actual payments. During her leave the obligation did
+not change, only the payment did — a percentage-of-actual model would silently
+redefine her share as 30% and make the shortfall vanish.
+
+Loan interest reconciles exactly: `repayments − interest − fees = balance
+reduction`. It stays categorised `loan_interest` and counts as spend — over 12
+months $63,500 of cash left and debt fell $44,127.36, and the $16,523.64
+difference bought nothing. Excluding it would leave the balance sheet unable to
+reconcile cash out against equity gained.
+
+**The repayment is voluntarily above contracted, and the gap is the largest
+flexible cost in the whole picture.** Contracted is $1,190.54/fortnight
+($2,579.50/mo annualised); the actual direct debit is $2,500.00/fortnight
+($5,416.67/mo). That is $2,837.17/mo of overpayment, and it is *not* sunk — it
+shows up as `statements.redraw_available`, which grew $62,387.17 → $81,017.42
+across the two most recent loan statements. Sonu returned to $1,250/fortnight in
+July 2026 after the reduced $750 period during her leave.
+
+Treat the repayment as two figures whenever asking "what does this cost me":
+the contracted floor and the actual. `scheduled_repayment` holds the actual
+($2,500), not the contracted minimum — the contracted figure is not in the DB at
+all. See `docs/expense-baseline.md`.
+
 ### Import Date (`created_at`)

 `transactions.created_at` is the import timestamp (DB default `now()`). In the transactions and shared views, the "Imported" column shows:
@@ -101,6 +192,80 @@ Conditions are AND-evaluated. Fields: `merchant_normalized`, `description`, `cat

 `contains` and `equals` operators are case-insensitive (both sides `.toLowerCase()`).

+**A rule with zero conditions matches every transaction.** Both apply paths use
+`conditions.length === 0 || conditions.every(...)`. Rule 43 "Home 50/50 Sonu" has
+no conditions and a 50/50 split action — applying it blindly would split all
+~3,700 transactions with another participant. That is what `manual_only` is for:
+those rules are excluded from bulk runs and fire from the transactions page
+against a hand-picked selection.
+
+### Previewing a rule before applying it
+
+`GET /api/rules/[id]/matches` is a dry run — it writes nothing and returns only
+the transactions a rule would actually *change*, with already-correct rows
+summarised as a count. The Preview button on the rules page uses it.
+
+Apply then goes through `POST /api/transactions/bulk` with `action: "apply_rule"`
+and **explicit transaction ids**, not the conditions. That is the safety
+property: a rule whose conditions are too broad cannot reach further than what
+the preview showed and the user ticked.
+
+Prefer this over auto-applying rules on ingestion. It fails safe, works
+retroactively, and tells you which rules are consistent enough to automate later.
+
+### Rule apply history
+
+`rule_apply_runs` snapshots the before-state so a run can be reverted, and since
+migration 0017 also records `rule_id`, `rule_name` and `source`
+(`all` | `rule` | `selection`). `rule_name` is denormalised deliberately and
+there is no FK to `rules` — history must stay readable after a rule is renamed or
+deleted, and deleting a rule must not cascade away the audit trail.
+
+`GET /api/rules/runs/[id]` diffs that snapshot against current values. Rows
+changed by something else since the run are flagged, because reverting restores
+the pre-run value and discards the later edit.
+
+### Trusting extracted statement data
+
+**Balance assertions are the check that works.** `getStatements` computes
+`opening + movement − closing`; the statements page flags any statement that does
+not reconcile. Sign depends on what the balance means — on a credit card or loan
+it is what you owe, so spending increases it; on a transaction or offset account
+it is what you hold. 11 pre-existing statements currently fail, ~$4,177
+unexplained, including two adjacent ANZ statements off by exactly ±$230.38 (a
+transaction filed against the wrong one).
+
+**Do not derive `opening_balance` from `closing − movement`.** It is an accounting
+identity, so every statement would reconcile and the check would go permanently
+green. A null that reads "unverified" is worth more than a number that is right
+by construction. For the same reason, do not add a totals assertion comparing
+`total_debits` to the summed rows — those totals are now *computed* from the rows
+(see the N8N `Parse Gemini Result` node), so that check can never fail.
+
+**Gemini invents summary fields the statement does not print.** Wise PDFs show
+only a closing balance; asked for an opening balance anyway, the model produced
+11,277.08 against a truth of 0.00, and on another statement read the running
+balance of the oldest row. Every transaction was extracted perfectly in both
+cases — verified row for row against the CSV exports. When a balance assertion
+fails, suspect the summary before the transactions.
+
+**Gemini drops rows silently on long tables.** `finishReason` was `STOP`, not
+`MAX_TOKENS`, so raising `maxOutputTokens` does not help. This did *not* actually
+occur on the Wise imports (that was the summary bug above), but it is why an
+empty statement must not throw: a document that errors never gets tagged, so it
+is re-fetched every poll forever and blocks everything behind it in the queue
+(`ordering=-created`, `page_size=1`).
+
+**FX is per transaction date**, via Frankfurter (ECB daily, free, no key), with
+weekends resolving to the prior publication. A single spot rate across a 15-month
+statement is wrong by up to 20%. Wise's own rates are more accurate in principle
+but differ by only 0.05% and exist on 44 of 194 rows, so mixing bases is not
+worth it.
+
+**When comparing CSV exports to extracted data, order by full timestamp
+including milliseconds.** Two of one statement's rows are 1ms apart; dropping the
+fraction reversed them and produced a bogus opening balance.
+
 ## Development Patterns

 ### Adding a new API route
@@ -122,6 +287,62 @@ Two files only:
 - Owner filter pattern: `WHERE COALESCE(t.owner_id, s.owner_id) = $1`
 - Bank name pattern: `COALESCE(s.bank_name, 'Manual') as bank_name`

+Analytics queries must import the fragments from `src/lib/analytics-sql.ts`
+(`STATEMENTS_JOIN`, `OWNER_SCOPE`, `EFFECTIVE_CATEGORY`, `EXCLUDE_NON_SPEND`)
+rather than hand-rolling them. Two failure modes they exist to prevent:
+
+- An `INNER JOIN statements` + `WHERE s.owner_id = $1` silently drops every
+  manual/CSV transaction (`statement_id IS NULL`).
+- Spend must exclude the `transfers` and `investment` categories. Once bank
+  statements are imported alongside card statements, a credit-card payment
+  appears twice — as a debit leaving the bank account and as the underlying
+  purchases on the card statement. Excluding `transfers` is what nets it out.
+  Use the `EXCLUDE_NON_SPEND` fragment: a bare `category NOT IN (...)` evaluates
+  to NULL for uncategorised rows and drops them from totals.
+
+### Statement types
+
+`statements.statement_type` is constrained to `credit_card | transaction |
+savings | loan | offset | investment | other`. Migration 0013 added a
+`normalize_statement_type()` SQL function plus a BEFORE INSERT/UPDATE trigger, so
+the N8N workflow can keep sending raw free text (`'ACCESS ADVANTAGE'`, `'Business
+Card'`) and the DB normalises it on write. The raw extracted value is preserved in
+`account_type`.
+
+The TypeScript mirror is `src/lib/statement-types.ts` — keep the list, the SQL
+function, and the CHECK constraint in sync when adding a type.
+
+### Loans
+
+A loan repayment is **not** an expense. It is part principal (equity, a
+balance-sheet move) and part interest (the only part that is spend). Migration
+0014 adds:
+
+- `transactions.principal_amount` / `interest_amount` — populated only when the
+  lender itemises the split on the repayment row itself
+- `statements.interest_rate`, `scheduled_repayment`, `repayment_frequency`,
+  `redraw_available`, `loan_term_months`
+
+Two statement shapes, both handled:
+
+1. **Separate rows** (the common Australian case) — the loan statement lists
+   repayments and "Interest Charged" separately. `transaction_type` alone is
+   enough: `interest` rows count as spend, `payment` rows don't. No split columns
+   needed.
+2. **Itemised repayment row** — some lenders print principal and interest on the
+   repayment line. That row is typed `payment`, so it would be skipped entirely
+   and its interest lost. The `SPEND_ROWS` / `SPEND_BASE` fragments in
+   `analytics-sql.ts` handle it: a row with a non-null `interest_amount` counts
+   as spend, valued at `interest_amount` rather than `amount`.
+
+The N8N `Parse Gemini Result` node only accepts a split when both parts are
+present *and* they sum to the row amount (±2c) — a half-extracted split would
+silently misreport spend, so it is discarded rather than trusted.
+
+Loan interest uses the `loan_interest` category; principal repayments use
+`investment` (excluded from spend, surfaced on the investments line in monthly
+analytics).
+
 ### Prisma

 The schema at `prisma/schema.prisma` covers all tables. The generated client (gitignored) must be regenerated after schema changes:
@@ -130,8 +351,47 @@ cd /mnt/m2cache/appdata/finance-app && npx prisma generate
 ```
 Docker builds run `npx prisma generate` automatically. Do not commit `src/generated/prisma/` — it is gitignored.

+## Agent / MCP Access
+
+Agents read this DB through the read-only `postgres-personal` MCP server (lives in the
+`personal-agent-gateway` repo, not here): `agent_ro` role, SELECT-only, SQLGlot guardrail,
+100-row cap, every call audited to `mcp_query_log`. See `docs/agent-access.md` for the tool
+list, the five analysis views, and per-client setup (Claude Code, Codex, Hermes).
+
+Two things to remember when changing the schema: the agent views are created by
+`smarthome/personal-agent/migrations/006_agent_read_role_views.sql` (not Prisma) and read
+`transactions`/`statements`/`expense_metadata` columns directly — rename a column and they
+break or go stale. And the views are **not** owner-scoped and do **not** merge
+`transaction_overrides`, so agent numbers can differ from the UI.
+
 ## Known Gaps / TODOs

 See `README.md` → **Known Gaps / TODOs** for full details.

 **Payment provider tracking**: `merchant_normalized` currently conflates payment provider (PayPal, Afterpay, Zip) with the actual merchant. Plan: add `payment_provider` column, update Gemini prompt to extract it separately, backfill from `merchant_name` patterns, surface in UI filters.
+
+### Open as of 2026-07-26
+
+- **Shared expenses redesign** — `docs/shared-expenses-design.md`. Phase 0 done;
+  Phases 1–4 unbuilt. Deliberately paused to live with the current behaviour
+  before committing to a model designed in one session.
+- **Expense baseline / emergency reserve** — `docs/expense-baseline.md`. One-off
+  analysis, nothing built. Records four data corrections the raw numbers need
+  (misfiled Raiz/super/brokerage debits, `other` credits read as negative spend,
+  `government` conflating ATO with rates/rego, `fees` being mostly annual) and
+  why only Feb–Jun 2026 is trustworthy for per-person figures.
+- **11 statements fail the balance assertion**, ~$4,177 unexplained. Predates
+  this work. One ANZ statement is off by exactly $0.50, traced to a misread digit
+  in fee rows ($5.00 vs $5.50).
+- **28 Up Bank debits are categorised `other`** ($3,760.74). Up only categorised
+  16 of 88 rows. The `Payee` field is populated throughout, so merchant rules plus
+  the rule preview should clear most of it.
+- **Up item sales are categorised `income`** ($4,238.04 across 19 credits — iPad,
+  drone, camera). Correct in that they are excluded from spend, but it mixes
+  asset disposals into the income line alongside salary.
+- **`payment_method` is not shown in the transactions list** — settable on create
+  and edit only. Worth a column or filter if cash becomes routine.
+- **Raw statement exports live in `dump/`**, gitignored since `31a8177`. They were
+  committed by accident in `030490e` and remain in that commit's history; the repo
+  has no GitHub remote, so exposure is limited to the local Gitea. Purging history
+  was offered and not actioned.
@@ -343,6 +343,10 @@ docker exec postgres-personal psql -U personal -d personal \
 | `0005_rules` | `rules` |
 | `0006_budgets` | `budgets` |
 | `0007_cashflow` | `amount_aud`, `exchange_rate_to_aud` on transactions; `exchange_rate_to_aud` on statements |
+| `0008_my_share_percent` | `my_share_percent` on `transaction_overrides` |
+| `0009_split_payments` | `split_payments` |
+| `0010_csv_import_reconcile` | `reconciled_with_id`, CSV import support |
+| `0011_trips` | `trips`, `trip_id` on `transaction_overrides` (catch-up — was applied directly) |

 > `paperless_doc_id` on statements and the `uq_statements_paperless_doc_id` index were added directly (not tracked in a migration file).
 > `owner_id` on transactions and `statement_id` made nullable were applied directly (March 2026) to support manual transaction entry without a fake statement.
@@ -369,9 +373,27 @@ Currently `merchant_normalized` conflates the *payment provider* with the *merch

 ---

+## Agent Access (MCP)
+
+LLM agents read this data through the read-only `postgres-personal` MCP server (7 typed
+finance tools + guarded `adhoc_query`, `agent_ro` role, 100-row cap, `mcp_query_log`
+audit). It's a stdio server, so any MCP client can use it — Hermes, Claude Code, Codex,
+Claude Desktop — locally via `docker exec` or remotely over SSH.
+
+**→ [docs/agent-access.md](docs/agent-access.md)** — architecture, tool + view reference,
+per-client setup, and what changing the schema means for the agent views.
+
+---
+
 ## Deployment

-Runs as a Docker container alongside the rest of the home lab stack. Build and deploy:
+Runs as a Docker container alongside the rest of the home lab stack.
+
+**Push-to-deploy (default, since 2026-07-19)**: pushing to `main` on Gitea fires a
+webhook to Komodo's `deploy-finance` Procedure, which redeploys the `finance` stack
+with `--build`. CI (Gitea Actions) runs lint + unit tests on the same push.
+
+**Manual fallback** if Komodo is unavailable:

 ```bash
 # From smarthome repo root
@@ -379,4 +401,9 @@ docker compose --env-file docker/common.env --env-file docker/finance/.env \
  -f docker/finance/docker-compose.yml up -d --build
 ```

+The container is only reachable via Traefik (`https://finance.bosecamp.com`, forward-auth
+sets `X-Forwarded-User`) plus a `127.0.0.1`-bound host port for on-box debugging — the
+app trusts the `X-Forwarded-User` header, so it must never be directly reachable from
+the LAN.
+
 The container uses Next.js standalone output. `@prisma/adapter-pg` and `pg` are listed in `serverExternalPackages` in `next.config.ts` to ensure they are included in the standalone bundle.
@@ -0,0 +1,238 @@
+# Agent Access — querying the finance data from an LLM agent
+
+How an AI agent (Hermes, Claude Code, Codex, Claude Desktop, …) reads the finance
+database. **Read-only, audited, row-capped.** Agents never write to `personal`.
+
+The read path is an MCP server — `postgres-personal` — that lives in the
+[`personal-agent-gateway`](ssh://git@localhost:2222/siddharthd/personal-agent-gateway.git)
+repo at `mcp-servers/postgres-personal/`. This app owns the data; that repo owns the
+server. Keep both in mind when changing the schema (see [Schema changes](#schema-changes-that-affect-agents)).
+
+---
+
+## Architecture
+
+```
+agent client (Hermes / Claude Code / Codex)
+   │  stdio (JSON-RPC, MCP)
+   ▼
+server.py ── guardrails.validate_select (SQLGlot: single SELECT, LIMIT ≤ 100)
+   ├── PG_DSN_RO  → role agent_ro   (SELECT only, statement_timeout 5s)  → queries
+   └── PG_DSN_LOG → role agent_log  (INSERT into mcp_query_log only)     → audit
+```
+
+Both roles, the audit table, and the five analysis views are created by
+`smarthome/personal-agent/migrations/006_agent_read_role_views.sql` — **not** by this
+repo's Prisma migrations. Passwords are supplied at apply time from Infisical
+(`homelab-w-ae9 / prod / /agent-gateway`), never stored in the SQL file.
+
+Defence in depth, in order:
+
+1. `agent_ro` has no write grants at all — the DB refuses writes regardless of the SQL.
+2. `validate_select` parses every SQL string (typed tools and `adhoc_query` alike) and
+   rejects anything that isn't one plain `SELECT`, plus `pg_sleep`/`pg_read_file`/
+   `dblink`/`lo_import`/`lo_export`. It rewrites `LIMIT` to ≤ 100.
+3. Third-party text columns (`description`, `location`, `order_reference`, `line_items`)
+   come back wrapped in `<<untrusted-data>>…<</untrusted-data>>` so the runtime's system
+   prompt can treat statement/receipt text as data, never instructions.
+4. Every call — accepted or rejected — is inserted into `mcp_query_log`
+   (`tool, args, sql, row_count, duration_ms, error`).
+
+Audit review:
+
+```bash
+docker exec postgres-personal psql -U personal -d personal -c \
+  "SELECT at, tool, row_count, duration_ms, error FROM mcp_query_log ORDER BY at DESC LIMIT 20"
+```
+
+---
+
+## Tools
+
+| Tool | What it answers |
+|---|---|
+| `query_statements` | Statements by bank / account number / `billing_end_date` range |
+| `query_transactions` | Transaction search: merchant, category, date range, amount range, description substring |
+| `get_spending_summary` | Outflow for one month (`YYYY-MM`) or date range, grouped by category or merchant |
+| `get_spending_comparison` | Two months side by side, sorted by absolute delta — what drove the change |
+| `get_upcoming_payments` | Statements with `payment_due_date` in the next N days (1–90, default 14) |
+| `get_recurring_spend` | Recurring-payment candidates (heuristic — expect false positives) |
+| `adhoc_query` | One read-only `SELECT` when the typed tools can't express the question |
+
+Views available to `adhoc_query` (all `SELECT`-granted to `agent_ro`):
+
+| Relation | Grain |
+|---|---|
+| `transaction_search` | Flat per-transaction surface: transaction ⟕ statement identity ⟕ `expense_metadata`. The right default for search. |
+| `merchant_monthly_spend` | month × merchant → txn_count, total_spend, avg_amount |
+| `category_monthly_spend` | month × category → txn_count, total_spend |
+| `cashflow_monthly` | month → total_outflow, total_inflow, net, txn_count |
+| `recurring_candidates` | merchant × amount bucket → occurrences, cadence, last_seen, next_expected |
+
+Base tables (`transactions`, `statements`, `transaction_splits`, …) are also readable —
+see [README → Data Model](../README.md#data-model).
+
+Semantics baked into the views:
+
+- outflows = `transaction_type IN ('debit','fee','interest')`; inflows = `('payment','credit','refund')`
+- amount prefers `amount_aud` (FX-normalised) over `amount`
+- merchant prefers `merchant_normalized` → `merchant_name` → first 60 chars of `description`
+
+### Two caveats worth knowing
+
+- **No owner scoping.** Unlike the app's API routes (`COALESCE(t.owner_id, s.owner_id) = $1`),
+  the agent views expose *all* owners' rows. Fine while the only consumer is the household's
+  own assistant; it must change before any agent is exposed to a second person.
+- **No `transaction_overrides` merge.** The views read `t.category` / `t.merchant_normalized`
+  directly, so manual corrections made in the UI are not reflected. The app's own queries use
+  `COALESCE(o.category_override, t.category)`. Numbers from an agent can therefore differ
+  slightly from the same figure in the UI.
+
+---
+
+## Connecting a client
+
+The server speaks **stdio MCP**. There is no network listener, so a client connects by
+*executing* it. The easiest correct way is to exec it inside the `hermes` container: the
+repo is bind-mounted there (`/mnt/user/projects/personal-agent-gateway` → `/opt/data/repo`),
+the venv and deps already exist, `PG_DSN_RO`/`PG_DSN_LOG` are already in the container env,
+and `postgres-personal` resolves on `networks_internal`.
+
+The canonical command, used by every recipe below:
+
+```bash
+docker exec -i hermes /opt/data/venvs/pgp/bin/python \
+  /opt/data/repo/mcp-servers/postgres-personal/server.py
+```
+
+Smoke-test it before wiring a client in:
+
+```bash
+printf '%s\n' \
+ '{"jsonrpc":"2.0","id":1,"method":"initialize","params":{"protocolVersion":"2024-11-05","capabilities":{},"clientInfo":{"name":"t","version":"0"}}}' \
+ '{"jsonrpc":"2.0","method":"notifications/initialized"}' \
+ '{"jsonrpc":"2.0","id":2,"method":"tools/list"}' \
+ | docker exec -i hermes /opt/data/venvs/pgp/bin/python \
+     /opt/data/repo/mcp-servers/postgres-personal/server.py 2>/dev/null | head -2
+```
+
+### Claude Code (on the Unraid host)
+
+```bash
+claude mcp add postgres-personal -s user -- \
+  docker exec -i hermes /opt/data/venvs/pgp/bin/python \
+  /opt/data/repo/mcp-servers/postgres-personal/server.py
+```
+
+Then `/mcp` in a session to confirm the seven tools are listed.
+
+### Claude Code / Claude Desktop (from a laptop, over SSH)
+
+Same command, tunnelled — stdio doesn't care what carries it:
+
+```bash
+claude mcp add postgres-personal -s user -- \
+  ssh unraid docker exec -i hermes /opt/data/venvs/pgp/bin/python \
+  /opt/data/repo/mcp-servers/postgres-personal/server.py
+```
+
+Needs key-based SSH to the host (Tailscale or LAN) and a non-interactive shell. For
+Claude Desktop, the same `command` / `args` go in `claude_desktop_config.json` under
+`mcpServers`.
+
+### Codex CLI
+
+`~/.codex/config.toml`:
+
+```toml
+[mcp_servers.postgres-personal]
+command = "docker"
+args = [
+  "exec", "-i", "hermes",
+  "/opt/data/venvs/pgp/bin/python",
+  "/opt/data/repo/mcp-servers/postgres-personal/server.py",
+]
+```
+
+(Prefix `args` with `["unraid", "docker", …]` and set `command = "ssh"` for the remote case.)
+
+### Hermes
+
+Already wired — `mcp_servers.postgres-personal` in `/mnt/user/appdata/docker/hermes/config.yaml`
+(template: `personal-agent-gateway/spike/hermes/config.yaml.example`). It runs the same
+venv and script directly rather than via `docker exec`, since it *is* the container.
+
+### Running the server outside `hermes`
+
+Only needed if `hermes` is down or you want isolation. Two constraints: Python ≥ 3.11 with
+`mcp`, `psycopg[binary]`, `sqlglot`; and network reach to `postgres-personal`, which is
+**not** published to the host — it only resolves on the `networks_internal` Docker network.
+So run it in a container on that network, passing the DSNs:
+
+```bash
+docker run -i --rm --network networks_internal \
+  --env-file /mnt/user/appdata/docker/hermes/.env \
+  -v /mnt/user/projects/personal-agent-gateway:/app \
+  personal-agent-gateway python /app/mcp-servers/postgres-personal/server.py
+```
+
+A bare host venv would need the container's current bridge IP in the DSN instead of the
+hostname, which breaks on every recreate — don't.
+
+### Secrets
+
+`PG_DSN_RO` and `PG_DSN_LOG` live in `/mnt/user/appdata/docker/hermes/.env` (canonical
+copies in Infisical `/agent-gateway`). Never paste them into a client config, a
+`claude mcp add` command line, or this repo — the `docker exec` recipes above inherit them
+from the container, which is precisely why they're preferred.
+
+---
+
+## Direct SQL (humans and one-off scripts)
+
+For ad-hoc analysis where an agent isn't in the loop, skip MCP:
+
+```bash
+docker exec postgres-personal psql -U personal -d personal -c \
+  "SELECT * FROM cashflow_monthly ORDER BY month DESC LIMIT 12"
+```
+
+That's the full-privilege `personal` role — no guardrail, no row cap, no audit row. Use
+`agent_ro` if you want the same safety envelope an agent gets.
+
+---
+
+## Making this available more widely
+
+Today: any MCP client that can run a subprocess can use it (all of the above), and any
+machine that can SSH to the host can too. That covers Claude Code, Claude Desktop, Codex,
+and Hermes without a code change.
+
+What it would take to go further:
+
+- **Remote clients without SSH** — FastMCP supports `streamable-http`; `mcp.run()` in
+  `server.py` would become `mcp.run(transport="streamable-http")` behind Traefik with
+  forward-auth. Small code change, real security decision: it puts the household's
+  financial history behind a network listener. Not done, deliberately.
+- **A second user** — requires owner scoping in the views (see caveats above) plus an
+  identity the server can bind to; the DSN carries no user identity today.
+- **Write access** — out of scope. The write path is the app's API routes with
+  `getCurrentUser()`; `agent_ro` should stay SELECT-only.
+
+---
+
+## Schema changes that affect agents
+
+The views in `006_agent_read_role_views.sql` read `transactions`, `statements`, and
+`expense_metadata` directly. If you rename or drop a column those views use, re-apply the
+migration in the smarthome repo — a Prisma migration here won't do it, and the views will
+either break or silently go stale:
+
+The file is idempotent (`CREATE OR REPLACE VIEW`, guarded role creation) — re-applying is
+safe. It needs the `agent.ro_password` / `agent.log_password` settings supplied at apply
+time from Infisical; follow the apply instructions in the header of the SQL file itself
+(`/mnt/user/appdata/smarthome/personal-agent/migrations/006_agent_read_role_views.sql`)
+rather than piping it in blind.
+
+New tables are readable by `agent_ro` automatically (`ALTER DEFAULT PRIVILEGES`), but new
+*views* need an explicit `GRANT SELECT … TO agent_ro`.
@@ -0,0 +1,211 @@
+# Monthly expense baseline and emergency reserve
+
+Analysis run 2026-07-26. **One-off analysis, not a feature** — nothing in the app
+computes these numbers. Read "Reproducing this" before trusting a restated figure.
+
+The question: how much should be held in reserve to cover 6–12 months of expenses?
+
+## Answer
+
+| Scenario | $/mo | 6 months | 12 months |
+|---|---:|---:|---:|
+| Survival — contracted loan repayment, essentials only | 3,040 | 18,250 | 36,500 |
+| **Realistic — contracted loan, + dining and charity** | **4,140** | **24,800** | **49,600** |
+| Status quo — keep overpaying the loan, normal life ex-travel | 5,557 | 33,500 | 67,000 |
+
+Use the middle row. The survival row assumes dining is cut to zero and stays
+there, which is not a plan anyone executes for six months.
+
+Against that, liquidity already available (statements 133 and 131, 2026-06-30):
+
+| | |
+|---|---:|
+| Loan redraw | 81,017.42 |
+| Offset balance | 8,753.00 |
+| **Accessible** | **89,770.42** |
+
+That is 3.6× the six-month target and 1.8× the twelve-month one. Redraw grew
+$62,387.17 → $81,017.42 across the last two loan statements, matching the
+overpayment rate — the money spent killing the loan faster is still reachable.
+
+**Caveat on counting redraw as the reserve.** It is available at AMP's
+discretion, and lenders reduce or freeze it exactly when a borrower looks
+distressed — which is when it would be needed. The rate also moved 5.54% → 6.29%
+between the two statements, so redrawn funds cost more than they did. Hold some
+genuine cash; it does not need to be $50,000.
+
+## This is *your* outgoings, not household spend
+
+The app only sees accounts that get imported. Sonu's own spending on the
+household is invisible to it. Grocery spend reads as ~$300/mo gross on 4–10
+transactions, which is implausible for a household and is partly explained by her
+paying from her own account.
+
+For "how much reserve do **I** need" that blind spot does not matter — your own
+outgoings is the correct measure. Do not relabel these figures as household
+totals; they are not, and they would be wrong by an unknown amount.
+
+## The loan has two floors
+
+This is the largest single lever and the reason there are three scenarios.
+
+| | $/fortnight | $/mo annualised | Your 50% |
+|---|---:|---:|---:|
+| Contracted minimum | 1,190.54 | 2,579.50 | **1,290** |
+| Actual direct debit | 2,500.00 | 5,416.67 | **2,708** |
+| Voluntary overpayment | 1,309.46 | 2,837.17 | 1,419 |
+
+Dropping to contracted cuts your loan cost by $1,418/mo. Sonu's obligation is a
+fixed 50% of the repayment (see CLAUDE.md → "The shared loan"), so it falls with
+it. Her rate returned to $1,250/fortnight in July 2026 after the reduced $750
+period during her leave.
+
+## Baseline composition
+
+Built from **Feb–Jun 2026** — the months where split data is trustworthy — with
+annual items annualised over 12 rather than divided by the 5-month sample.
+
+| Essential | $/mo | Note |
+|---|---:|---|
+| Loan (contracted, your 50%) | 1,290 | 2,708 at the current actual rate |
+| Transport | 326 | |
+| Insurance | 280 | annualised; your 55% |
+| Utilities | 278 | shared energy/water + personal mobile |
+| Subscriptions | 204 | shared household + personal/AI |
+| Groceries | 200 | see the blind-spot note above |
+| Card + package fees | 175 | annualised — see below |
+| Health | 167 | |
+| Rates + rego | 122 | annualised, your share |
+| **Essential** | **3,042** | |
+| + dining 675, charity 422 | 4,139 | charity is a Smith Family sponsorship commitment |
+| + typical shopping | ~4,800 | median 657, **not** the 1,709 mean |
+
+**Travel is excluded throughout.** At $3,153/mo of your share even post-cutover it
+would roughly double every figure, and it is the first thing that stops.
+
+## Four corrections the raw data needed
+
+Any restatement that skips these will be wrong. None are fixed in the data yet.
+
+**Micro-investing counted as spend.** Raiz ($9,406 / 27 rows), Vanguard Super
+($500) and moomoo ($300) sit in `other` as debits — $10,206/yr, ~$850/mo of
+phantom spend. These belong in `investment`, which is already excluded.
+
+**Incoming money counted as negative spend.** 17 rows in `other` typed `credit`
+($5,622 in the window). `SPEND_SIGNED` negates credits so refunds cancel
+purchases, but these are not refunds — they are money arriving. June 2025 shows
+*minus* $7,814 of total spend because two Wise credits of ~$16.7k each landed in
+`other`.
+
+**`government` is two unrelated things.** $25,554 of ATO payments (one annual
+bill, routed through Zen B2B and RewardPay to earn points) versus $2,054 council
+rates and $875 rego. Tax is not a monthly living cost and falls with income
+anyway; rates and rego are non-negotiable. Splitting them moves this line from
+$2,411/mo to $244/mo.
+
+**`fees` is mostly annual.** Of $2,599 post-cutover, $1,750 is an annual card fee
+and $349 a loan package annual fee. Recurring is ~$175/mo annualised, not the
+$520/mo the 5-month mean implies.
+
+## Splits: what is trustworthy and what is not
+
+Splits exist in this app from **2026-01-09** only; before that they were tracked
+in SplitMyExpenses. So a trailing-12-month per-person series splices six months
+of *gross* onto six months of *net* and is not a series at all. Use Feb–Jun 2026.
+
+**Partial split coverage within a category is usually correct, not a gap.** This
+was misdiagnosed once during the analysis. Verified composition:
+
+| Category | Your share | Split | Unsplit |
+|---|---:|---|---|
+| utilities | 69% | Globird, OVO, GWW, home telecoms | Telstra, Vodafone, Optus, JB Hi-Fi Mobile |
+| subscriptions | 91% | Uber One, Amazon Prime, OnePass | Claude, OpenAI, Anthropic, OpenRouter, You.com, LinkedIn, Xero, Billdu, Spotify, Patreon |
+| fees | 100% | — | credit card fees are personal |
+| charity | 100% | — | personal commitment |
+
+Only *shared* utilities and subscriptions are split. Mobile bills, AI
+subscriptions and card fees are personal and correctly sit at 100%. Do not
+"fix" these ratios.
+
+## Known weak spots
+
+- **`other` is $424–773/mo of your share and unclassified.** The single biggest
+  lever on accuracy. Clearing it with the rule preview
+  (`GET /api/rules/[id]/matches`) improves every other view at the same time.
+- **Five months is a short sample**, and it contains the Europe trip and the ATO
+  bill. Both are excluded, but they crowd out the ordinary months. The
+  SplitMyExpenses CSVs would stretch it to 18 months — worth having, not
+  blocking, since only an *aggregate ratio per category* is needed, not row
+  matching, so the combined-transaction problem does not bite.
+- **`/api/analytics/monthly` does not filter `reconciled_with_id IS NOT NULL`.**
+  48 rows are double-counted app-wide. Small, but real, and unrelated to this
+  analysis. The queries below do filter it.
+
+## Reproducing this
+
+Working queries are not checked in; they were run ad hoc against
+`postgres-personal`. The shape that matters:
+
+```sql
+-- Per-category monthly distribution, your share, Feb-Jun 2026.
+-- Mirrors src/lib/analytics-sql.ts, plus the corrections above.
+WITH s AS (
+  SELECT to_char(t.transaction_date,'YYYY-MM') m,
+    COALESCE(o.category_override, t.category, 'other') cat,
+    SUM((CASE WHEN t.transaction_type IN ('refund','credit') THEN -1 ELSE 1 END)
+        * (CASE WHEN t.interest_amount IS NOT NULL
+                THEN t.interest_amount ELSE COALESCE(t.amount_aud, t.amount) END)
+        * COALESCE(ts.share_percent, o.my_share_percent,
+            100 - COALESCE((SELECT SUM(x.share_percent) FROM transaction_splits x
+                            WHERE x.transaction_id = t.id
+                              AND x.participant_id <> 1), 0)) / 100)::numeric(12,2) amt
+  FROM transactions t
+  LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
+  LEFT JOIN transaction_splits ts ON ts.transaction_id = t.id AND ts.participant_id = 1
+  LEFT JOIN statements st ON st.id = t.statement_id
+  WHERE COALESCE(t.owner_id, st.owner_id) = 1
+    AND t.reconciled_with_id IS NULL                      -- see weak spots
+    AND ((t.transaction_type IN ('debit','fee','interest')
+          OR t.interest_amount IS NOT NULL)
+         OR t.transaction_type IN ('refund','credit'))
+    AND COALESCE(o.category_override, t.category, 'other')
+        NOT IN ('transfers','investment','income')
+    -- correction 1: misfiled investments
+    AND COALESCE(t.merchant_normalized, t.merchant_name, '')
+        !~* '^(Raiz|Vanguard Super|moomoo)'
+    -- correction 2: incoming money miscategorised as 'other' credits
+    AND NOT (COALESCE(o.category_override, t.category, 'other') = 'other'
+             AND t.transaction_type = 'credit')
+    AND t.transaction_date >= '2026-02-01' AND t.transaction_date < '2026-07-01'
+  GROUP BY 1, 2
+)
+SELECT cat, count(*) mths, round(avg(amt),0) mean,
+       round(percentile_cont(0.5) WITHIN GROUP (ORDER BY amt)::numeric, 0) median
+FROM s GROUP BY cat ORDER BY mean DESC;
+```
+
+Use the **median** for anything recurring monthly and the **annualised total** for
+lumpy-but-certain items (insurance, rates, rego, annual card fees). Means are
+badly skewed here — shopping is 1,709 mean against 657 median.
+
+Corrections 3 and 4 (`government`, `fees`) are not expressible as filters; they
+need the category split by merchant, done by hand above.
+
+## If this becomes a feature
+
+The blocker is `other`, not the split model — the split data held up under
+scrutiny. Sequence:
+
+1. Recategorise Raiz / Vanguard Super / moomoo to `investment` (27 rows,
+   unambiguous) via the rule preview.
+2. Split `government` so rates and rego separate from ATO. Probably a new
+   category or a tag; `government` conflates a recurring obligation with an
+   annual tax bill.
+3. Work `other` down with the rule preview.
+4. Then a baseline panel on Insights, which already carries the
+   Regular/Occasional split this analysis is a stricter version of
+   (`REGULAR_CATEGORIES` in `src/lib/categories.ts`).
+
+A **liquidity vs baseline** view would be genuinely new rather than a restatement:
+`statements.redraw_available`, offset closing balance, and the
+contracted-vs-actual repayment gap are all in the schema and nothing reads them.
@@ -0,0 +1,287 @@
+# Shared expenses, settlement, and the shared loan — design proposal
+
+Status: **proposal, nothing built**. Written 2026-07-26 for review.
+
+## Why this exists
+
+Three questions have no answer in the current model:
+
+1. Which splits does a settlement payment settle?
+2. Is the Europe trip settled, separately from the ongoing household tab?
+3. Whose expense is a $2,500 loan repayment when Sonu funds part of it?
+
+They look like three problems. They are one: **the app records money moving, and
+separately records who owes whom, and the two never meet.**
+
+---
+
+## What is actually broken
+
+### Two settlement models, neither finished
+
+| Model | Where | State |
+|---|---|---|
+| Running tab | `split_payments` (from, to, amount, date) | **in use** — 8 payments, $37,881.10 |
+| Per-split flag | `transaction_splits.settled` | **never used** — all 673 splits are `false` |
+
+They are honoured inconsistently:
+
+- `getParticipantBalances` (the shared page) ignores `settled` entirely
+- `/api/participants/[id]/balance` filters on `settled = false`
+- `getTripAnalytics` reports settled/unsettled **from the unused flag**
+
+The third is a live bug. Every trip shows 100% unsettled forever, even though
+Molina has paid $20,782.79 against $19,556.07 of splits and is square.
+
+### Settlements exist twice, unlinked
+
+Four of the eight recorded payments match an offset-account credit exactly:
+
+| Payment date | From | Amount | Offset transaction |
+|---|---|---:|---|
+| 2026-02-02 | Molina | 7,500.00 | `Transfer from - MEGHALEE BOSE mummy Pa…` |
+| 2026-04-12 | Sonu | 3,779.33 | `Transfer from - MEGHALEE BOSE transfer` |
+| 2026-04-21 | Molina | 1,685.24 | `Transfer from - MEGHALEE BOSE mummy split` |
+| 2026-05-16 | Sonu | 4,794.06 | `Transfer from - MEGHALEE BOSE transfer` |
+
+The same money is a `split_payments` row *and* a `transactions` row.
+`split_payments.linked_transaction_id` exists but only 1 of 8 rows uses it. So a
+settlement is bookkeeping that happens to resemble a bank credit, rather than
+being that credit.
+
+### The shared loan is invisible
+
+Sonu's contributions are already in the ledger and unrecognised:
+
+| Pattern in offset credits | Rows | Total | Meaning |
+|---|---:|---:|---|
+| `…emi` | 39 | $37,980.24 | Sonu's loan contribution |
+| `…mummy…` | 6 | $29,721.24 | Molina's money, forwarded by Sonu |
+| other Meghalee | 15 | $71,130.27 | Sonu's own settlements |
+
+All are categorised `transfers` — correct for spend purposes, but it means a
+loan contribution and an expense settlement are indistinguishable.
+
+Meanwhile the loan itself, over the 12 imported months:
+
+| | |
+|---|---:|
+| Principal repaid (`investment`, excluded from spend) | $63,500.00 |
+| Interest charged (`loan_interest`, the only part counted as spend) | $16,523.64 |
+
+At roughly $25,000/year of `emi` against ~$80,000 of annual repayments, Sonu
+funds about **31%** — of both the equity being built and the interest being paid.
+Today 100% of the interest counts as your spend and 100% of the equity as yours.
+
+---
+
+## The core problem
+
+The model conflates two different things:
+
+- **Money movement** — a credit landed in the offset account
+- **Obligation** — someone owed someone else, and now owes less
+
+A settlement is both. A loan contribution is both. Right now movement lives in
+`transactions` and obligation lives in `transaction_splits` / `split_payments`,
+with nothing joining them. That is why a payment cannot say what it settles: it
+was never attached to anything in the first place.
+
+---
+
+## Proposed model
+
+### 1. Settlement contexts
+
+Splits belong to something that is settled **as a unit**. Payments name which
+unit they settle. Balance is computed per context, not globally.
+
+| Context | Splits | Settled by | State |
+|---|---|---|---|
+| Household (default) | ongoing | periodic payments | running tab |
+| Europe 2026 | trip-bound | lump sum | closeable |
+| Pre-2026 (SplitMyExpenses) | historical | settled elsewhere | **born closed** |
+
+A closed context still contributes to analytics — you see your true share — but
+contributes nothing to what anyone owes.
+
+This answers all three opening questions, and it dissolves the `splitFrom` date
+cutoff: pre-2026 splits can be applied retroactively **because they are born
+into a closed context**, so they fix the analytics without creating debt. No date
+guard needed, no risk of resurrecting settled obligations.
+
+Mechanically: `settlement_contexts` table; `transaction_splits.context_id`;
+`split_payments.context_id`. `transaction_splits.settled` becomes derived
+("is my context closed?") or is dropped.
+
+### 2. Payments are transactions, not a side table
+
+A settlement is the offset-account credit. `split_payments` becomes a thin
+attribution layer over a real transaction rather than a parallel record of it:
+
+- Populate `linked_transaction_id` on all existing payments where a match exists
+- On ingestion, an incoming credit that looks like a settlement is *proposed* as
+  one for confirmation, rather than silently becoming `transfers`
+- A payment with no matching transaction (cash, or an account not imported)
+  stays as a manual row — the model must tolerate that
+
+### 3. The shared loan — a separate ledger
+
+Not a settlement context. The loan is a jointly funded asset with its own
+obligation, and mixing it with expense settlement would let a contribution
+accidentally settle a dinner.
+
+- `emi` credits are recognised as **contributions**, not generic transfers
+- A **contribution schedule** states what is owed per period (50% of the
+  repayment), independent of what was actually paid
+- The running difference is a **receivable** — currently $4,000.00
+
+The schedule matters: during Sonu's leave the obligation did not change, only the
+payment did. A percentage-of-actual model would silently redefine her share as
+30% and make the shortfall disappear.
+
+---
+
+## Migration path
+
+### Phase 0 — DONE (2026-07-26, commit `3f04cbd`)
+
+Stop the trip view reporting a settlement breakdown it cannot compute.
+
+The original plan was "make `getTripAnalytics` and `getParticipantBalances`
+agree". **That plan was wrong** and reading the code before building is what
+caught it:
+
+- `getParticipantBalances` is *not* buggy. It computes `splits − payments`,
+  which is coherent. Excluding settled splits there while still subtracting the
+  payments that settled them would have double-counted and broken a working page.
+- The real defect was narrower: the trip view showed Settled/Unsettled from
+  `transaction_splits.settled`, which nothing sets. A correct per-trip figure is
+  not computable at all, because `split_payments` has no trip attribution.
+
+So the fix was **subtractive**: the trip view now shows each participant's share
+and points at Shared for what is actually owed.
+
+Also removed `/api/splits/settle` — unreachable from the UI but live on its URL,
+where one call with `participant_id` would mark every one of that person's splits
+settled, writing a flag nothing reads.
+
+`transaction_splits.settled` / `settled_at` still exist and are now pure dead
+data. Phase 1 either repurposes them ("is my context closed?") or drops them.
+
+### Phase 1 — settlement contexts
+
+Add contexts; put every existing split in "Household"; every payment likewise.
+Balance queries group by context. Touches `queries.ts` (both balance CTEs),
+`shared/page.tsx`, `trips/[id]/page.tsx`, `split-payments/route.ts`. ~1 day.
+
+### Phase 2 — link payments to transactions
+
+Backfill `linked_transaction_id` for the four exact matches; flag the other four
+for manual linking. On ingestion, propose a matching credit as a settlement
+rather than silently categorising it `transfers`. ~half a day.
+
+### Phase 3 — retroactive pre-2026 split
+
+Create the "Pre-2026" closed context. Apply household split rules into it via the
+rule preview (`/api/rules/[id]/matches`, built 2026-07-26) — fixes ~$97,627 of
+the trailing 12 months currently shown as 100% yours. Then delete the `splitFrom`
+cutoff entirely.
+
+**Validate the ratio first.** This assumes today's 50/50 held through 2025. The
+SplitMyExpenses CSVs should be used to *check* that assumption — not to
+reconcile, since transactions were sometimes combined and exact matching is
+impossible.
+
+### Phase 4 — loan ledger
+
+Contribution schedule, contributions recognised from `emi` credits, running
+receivable. Independent of contexts — the loan is a separate ledger. ~1–2 days.
+
+---
+
+## Decisions taken (2026-07-26)
+
+### The loan is separate from shared expenses
+
+Different obligations, different rhythms, different nature: one funds an asset,
+the other funds consumption. They do not share a settlement context and a
+contribution is never a settlement.
+
+### The share is 50/50, fixed — with the shortfall tracked
+
+Not derived from actual payments, which fluctuate. Sonu's obligation is half the
+repayment; the difference between obligation and actual is a **receivable**, and
+it is the interesting number.
+
+Over 2025-07-01 → 2026-06-30:
+
+| | |
+|---|---:|
+| Repayments | $63,500.00 |
+| Sonu's 50% obligation | $31,750.00 |
+| Actually contributed (26 payments) | $27,750.00 |
+| **Shortfall** | **$4,000.00** |
+
+She never missed a fortnight; the rate changed:
+
+| Rate | Payments | Period |
+|---|---:|---|
+| $1,250 | 15 | Aug 2025 – Feb 2026 (the correct 50%) |
+| $1,000 | 3 | Jul 2025 (pre-adjustment) |
+| $750 | 8 | Mar – Jun 2026 (leave) |
+
+So the model needs a **contribution schedule** (expected per period) alongside
+actual contributions, with the running difference as a tracked balance. A flat
+percentage cannot express "obligation unchanged, payment temporarily reduced,
+difference owed".
+
+### Interest: recommended as expense, pending final call
+
+The mechanics are as described — interest is debited to the loan and repayments
+pay down the combined balance. Reconciles exactly:
+
+    134:  31,000.00 − 8,553.27             = 22,446.73  = balance reduction
+    133:  32,500.00 − 7,970.37 − 2,849.00  = 21,680.63  = balance reduction
+
+But mechanics are not the same as economics. Over 12 months $63,500 of cash left
+and debt fell by $44,127.36. The $16,523.64 difference bought nothing and is not
+recoverable — that is an expense by definition. Excluding it leaves the balance
+sheet unable to reconcile cash out against equity gained, and understates annual
+cost by ~10%.
+
+The legitimate concern is that interest is **non-discretionary**. The answer to
+that is a fixed-commitments grouping alongside rent, insurance and utilities —
+a presentation change, not an exclusion.
+
+**Recommendation: keep `loan_interest` as spend, add a fixed/discretionary
+split.** Flagged rather than settled: it is a judgement about what "spend" means
+in your own reporting.
+
+## Open questions
+
+1. **Does equity need tracking per person?** If Sonu accrues a share of the
+   principal, that is a balance-sheet item the app has no concept of. Probably
+   belongs in the net-worth view rather than here.
+
+4. **Attribution of forwarded payments.** `mummy` in the description reliably
+   marks Molina's money in all six known cases, but it is a description match on
+   a free-text field. Acceptable as a *suggestion* requiring confirmation; not as
+   an automatic rule.
+
+5. **Retroactive split ratios.** Applying today's household rules to 2025
+   assumes the arrangement has not changed. The SplitMyExpenses CSVs could give
+   real historical shares, but transactions were sometimes combined, so matching
+   is imperfect. Recommendation: use today's ratios, accept the approximation —
+   the goal is a truer analytics picture, not a restated ledger.
+
+---
+
+## What I would not do
+
+- **Do not** restate history from the SplitMyExpenses CSVs. The combining problem
+  makes exact reconciliation impossible, and the value is low: those balances are
+  settled and will not change.
+- **Do not** make the loan a shared *expense*. It is a funded asset. Modelling it
+  as a recurring split would put $2,500 a fortnight of principal into spend,
+  which is the error migration 0014 was written to prevent.
@@ -0,0 +1,342 @@
+# Europe 2026 — Expense Report
+
+**Trip:** 22 days · Mar 21 – Apr 12, 2026  
+**Route:** Rome → Venice → Ortisei (Dolomites) → Varenna (Lake Como) → St Moritz → Lucerne → Paris  
+**Group:** 5 travellers — Siddharth & Meghalee (Melbourne), Molina, Sibnath & Rumna (Delhi)  
+**Data:** 212 tagged transactions across all cards
+
+---
+
+## Group Breakdown — AU vs India
+
+The two groups fly different routes and airlines. Everything else (accommodation, trains, on-trip spending) is shared across all 5 travellers.
+
+| | AU Group (Siddharth + Meghalee) | India Group (Molina + Sibnath + Rumna) |
+|---|---:|---:|
+| Flights | $2,164 | $6,151 |
+| Share of shared costs | $12,577 | $18,866 |
+| **Group total** | **$14,741** | **$25,017** |
+| Per person | $7,371 | $8,339 |
+
+**Shared costs (accommodation + trains + all on-trip):** $31,443  
+Apportioned 2:3 by headcount — AU group (2 pax) = 40% · India group (3 pax) = 60%
+
+| Scenario | Amount |
+|---|---:|
+| Total trip | $39,757 |
+| **Excl. all flights** | **$31,443** |
+| Excl. AU flights only (what India group is responsible for) | $37,593 |
+| Excl. India flights only (what AU group is responsible for) | $33,607 |
+
+> Australia group flights: China Eastern MEL→PVG→FCO × 2 ($1,885) + Qatar cancellation fee ($279) = **$2,164**  
+> India group flights: ITA Airways DEL→FCO × 3 (Azwebin, $2,696) + Air India CDG→DEL→GAU × 3 ($3,454) = **$6,151**  
+> India group flights are ~3× the AU group total despite flying a similar number of legs — driven by 3 pax vs 2, plus the ITA outbound on top of Air India return.
+
+---
+
+## Overall Summary
+
+| | AUD |
+|---|---:|
+| Gross charged | $42,696.73 |
+| Refunds received | −$2,939.22 |
+| **Net total spend** | **$39,757.51** |
+
+| Phase | Net Spend | % of Total |
+|---|---:|---:|
+| Pre-trip bookings | $23,730.02 | 60% |
+| On-trip (22 days) | $16,027.49 | 40% |
+
+**On-trip daily average:** $729/day for the group · $146/person/day
+
+---
+
+## Refunds & Cancellations
+
+| Merchant | Charged | Refunded | Net | Detail |
+|---|---:|---:|---:|---|
+| Qatar Airways | $2,396.90 | −$2,118.10 | **$278.80** | Cancelled. Replaced with China Eastern MEL→PVG→FCO. |
+| Luxury Escapes | $3,283.80 | −$820.95 | **$2,462.85** | Partial refund on Paris Adagio Montmartre. |
+| FreeNow | $43.32 | −$0.17 | $43.15 | Hold reversal. |
+
+---
+
+## Pre-Trip Bookings — $23,730 net
+
+### Flights
+
+| Carrier | Passengers | Gross | Refund | Net |
+|---|---|---:|---:|---:|
+| ITA Airways (via Azwebin) | Delhi group (3) DEL → FCO | $2,696.34 | — | $2,696.34 |
+| Air India | Delhi group (3) CDG → DEL → GAU (return) | $3,454.32 | — | $3,454.32 |
+| China Eastern | Siddharth MEL → PVG → FCO | $849.05 | — | $849.05 |
+| China Eastern | Meghalee MEL → PVG → FCO | $849.05 | — | $849.05 |
+| China Eastern (ancillary) | Seat/baggage fees | $187.14 | — | $187.14 |
+| Qatar Airways | Siddharth + Meghalee (cancelled) | $2,396.90 | −$2,118.10 | $278.80 |
+| **Flights total** | | **$10,432.80** | **−$2,118.10** | **$8,314.70** |
+
+> ITA Airways (billed as Azwebin Fiumicino) — 3 outbound tickets Delhi → Rome plus 3 sets of ancillary fees, all charged Jan 17.  
+> Qatar was booked first (Jan 17) and then cancelled; refund of $2,118.10 processed Mar 24 (during Rome stay). Net cancellation penalty: **$278.80**. China Eastern replaced it at $1,885.24 total — slightly cheaper.
+
+### Accommodation
+
+| Property | Destination | Nights | Booked via | Net Cost |
+|---|---|---|---|---:|
+| Fontana di Trevi area (Vrbo HA-XTP24R) | Rome | 4 | Vrbo | $2,221.66 |
+| Apartment Moro 4 — Rialto | Venice | 3 | Direct | $1,410.11 |
+| 174A Apartments Murata | Ortisei | 4 | Muse Holiday | $1,815.06 |
+| In the heart of Varenna (Vrbo HA7B9C9J) | Varenna | 2 | Vrbo | $2,274.46 |
+| Cozy Central Duplex | St Moritz | 2 | Agoda | $2,560.45 |
+| Hotel Luzernerhof | Lucerne | 3 | Agoda | $1,930.07 |
+| Adagio Paris Montmartre | Paris | 4 | Luxury Escapes | $2,745.24 |
+| **Accommodation total** | | **22 nights** | | **$14,957.05** |
+
+> Paris: Luxury Escapes $3,283.80 − $820.95 refund + $282.39 extra charge = $2,745.24 net.  
+> **Average cost per night (5 pax):** $680 · **per person per night:** $136
+
+### Pre-booked Transport
+
+| Date | Merchant | Route | Amount |
+|---|---|---|---:|
+| Jan 26 | Trenitalia (Frecciarossa Business) | Rome → Venice (5 pax) | $468.55 |
+| Mar 4 | Rail Europe | Various European routes | $372.40 |
+| | **Total** | | **$840.95** |
+
+---
+
+## On-Trip Spending — $16,027 net
+
+### By Destination
+
+| Destination | Dates | Net Spend | Txns | Daily Avg |
+|---|---|---:|---:|---:|
+| Rome *(inc. transit days Mar 19–20)* | Mar 19–24 | $2,955 | 46 | $493 |
+| Venice | Mar 25–27 | $960 | 21 | $320 |
+| Ortisei / Dolomites | Mar 28–31 | $3,595 | 19 | $899 |
+| Varenna / Lake Como | Apr 1–2 | $863 | 16 | $432 |
+| St Moritz | Apr 3–4 | $355 | 10 | $178 |
+| Lucerne | Apr 5–7 | $3,422 | 22 | $1,141 |
+| Paris | Apr 8–12 | $3,878 | 46 | $970 |
+| **Total on-trip** | **22 days** | **$16,027** | **180** | **$729** |
+
+---
+
+### Rome & Transit (Mar 19–24) — $2,955
+
+**Mar 19–20 (transit via Shanghai → Milan → Rome):**
+- Glovo Milan × 4 deliveries: $93 — feeding the group across airport transit days
+- Shanghai Sunny restaurant: $16 (CNY 78)
+- Todis Roma groceries: $55 (manual, likely night of arrival)
+
+**On ground in Rome:**
+
+| Category | Key Items | Total |
+|---|---|---:|
+| Dining | Lione 21 EUR 90 ($148) · Suresh EUR 52 ($85) · Glovo × 4 ($179) · Faro Café ($40) · Bap Vaschette ($29) · various | ~$780 |
+| Transport | FreeNow × 2 ($43) · Uber × 6 ($151) · ATAC bus ($2) · Radiotaxi ($11) | ~$210 |
+| Travel | Trenitalia local ($23) · Roma Termini station tickets EUR 300 ($493) · Trenitalia EUR 275 ($452) · Trenitalia EUR 165 ($274) | ~$1,242 |
+| Entertainment | St Peter's Basilica tickets: $58 | $58 |
+| Groceries | Todis × 2 ($12) · F.Lli Casali ($17) · SumUp ($12) | $41 |
+| Shopping | Scudieri International Florence EUR 51: $84 | $84 |
+| Cash | Mar 21 cash transactions lump sum | $337 |
+
+> **Florence day trip (Mar 22):** Trenitalia tickets $452 + $274 bought at Roma Termini ($493) and online, plus Scudieri shopping EUR 51. 
+> The two large Trenitalia charges on Mar 22–23 suggest additional train legs beyond Rome–Venice (possibly Florence or Naples day trip and ticket changes).
+
+---
+
+### Venice (Mar 25–27) — $960
+
+| Item | Amount |
+|---|---:|
+| Water taxi Ferrovia → accommodation | $79 |
+| Caffe Rialto Venezia (dinner) | $109 |
+| Fresh pasta restaurant (Sum Dal) | $96 |
+| Baci Pasta | $70 |
+| Dolcemente Salato (pastries/café) | $67 |
+| Farini Pizza × 3 visits | $92 |
+| Tvm Rialto Diretti 2 — shopping EUR 125 | $209 |
+| Muse Holiday extra charge EUR 60 | $100 |
+| Uber × 2 | $48 |
+| Despar groceries | $19 |
+| Gelatoteca Suso + Bar Americano | $17 |
+| Pasticceria Ballarin + Bar Filovia × 2 | $28 |
+
+> Grand Canal water taxi arrival ($79) was the planned "wow moment". 
+> Tvm Rialto Diretti 2 (EUR 125) — likely Murano glass or quality Venetian craft souvenirs, the largest single on-trip discretionary purchase outside of gear/activities.
+
+---
+
+### Ortisei / Dolomites (Mar 28–31) — $3,595
+
+The most expensive on-trip leg. Five major items account for $2,857 of it:
+
+| Item | Amount | Detail |
+|---|---:|---|
+| Erich Perathon (gear shop, Val Gardena) | **$1,477** | EUR 880 — outdoor/ski clothing or equipment in Santa Cristina |
+| Funivie Seceda cable car | **$441** | EUR 236+27 — the centrepiece cable car to 2,519m above Ortisei |
+| Trenitalia Venice → Bolzano (5 pax) | **$528** | EUR 259.50 + EUR 55 split across two bookings |
+| Taxi Demez Gregor (into valley) | **$238** | EUR 142 — private taxi from Bolzano to Ortisei (no public option for 5 with bags) |
+| Funivia Lagazuoi, Cortina | **$222** | EUR 132.50 — Cortina d'Ampezzo day trip cable car |
+| Despar Dolomiti (groceries) | **$201** | EUR 97.59 + EUR 22.30 across two shops |
+| Ristorante Meuble Pont, Cortina | **$180** | EUR 107.50 — group dinner on Cortina day trip |
+| Turonda Pizza Ortisei | $93 | |
+| Istanbul Kebab + Buffet Bolzano × 2 | $111 | Transit + local meals |
+| Lago di Braies chocolate stop | $21 | |
+| Café Adler + Caffe Corso | $34 | |
+
+---
+
+### Varenna / Lake Como (Apr 1–2) — $863
+
+| Item | Amount |
+|---|---:|
+| Taxi Demez Gregor (out of valley) | $239 |
+| Trenitalia (onward journey) | $101 |
+| Pizza e Sfizi × 2 dinners | $113 |
+| Mr Panino Bellagio (lunch) | $67 |
+| Bernasconi Claudia Varenna | $55 |
+| Varenna 1 shop EUR 55 | $92 |
+| Valli Mara Bellagio souvenirs | $71 |
+| Bistro di Corti × 2 | $50 |
+| Lake Bakery × 2 | $30 |
+| Ristorante Liberty, Tirano | $44 |
+| Groceries (Despar, Macelleria × 2) | $49 |
+| Gelato + bakery | $28 |
+
+> Bellagio day trip from Varenna was a highlight — lunch at Mr Panino, ice cream at Gilardoni Stefania, souvenirs.  
+> Taxi Demez again for the exit from Val Gardena (charged Apr 1, same driver/company as arrival).
+
+---
+
+### St Moritz (Apr 3–4) — $355
+
+Almost entirely self-catered:
+
+| Item | Amount |
+|---|---:|
+| Coop supermarket (big shop) | $114 |
+| Pizzaway × 2 orders | $89 |
+| Bäckerei Bad × 3 visits | $58 |
+| Coop (additional) | $14 |
+| Bus und Service | $22 |
+| Taxi St Moritz CHF 30 | $55 |
+| SBB WC | $3 |
+
+> Despite being the highest accommodation cost per night ($1,280/night), almost nothing was spent on-trip. The group self-catered using Coop and relied on the bakery.
+
+---
+
+### Lucerne (Apr 5–7) — $3,422
+
+Three large purchases dominate:
+
+| Item | Amount | Detail |
+|---|---:|---|
+| Rail Europe (last-minute) | **$1,526** | EUR 911.95 — Swiss Travel Pass or multi-city rail tickets; bought while already in Lucerne |
+| Daytrip.com private tour | **$1,078** | EUR 642 — private guided day tour (description: "Prague" but likely Rhine Falls or day excursion from Lucerne) |
+| Rigi Bahnen (cog railway) | **$844** | CHF 461.60 — historic Rigi mountain railway, 5 pax round trip (charged Apr 10 but relates to Lucerne stay) |
+| Hotel Rigi Kaltbad dining | $47 | Lunch at mountain hotel summit |
+| Rigi Dorfladen shop | $37 | CHF 20 at Rigi summit village |
+| Uber Eats | $94 | CHF 51.23 |
+| WAL*TENZ GMBH Zurich | $82 | CHF 45.10 — dining/café in Zurich |
+| QUZGYXOO-2 | $150 | CHF 82.50 — unidentified Lucerne charge |
+| GO4T Luzern | $114 | CHF 62.40 — likely a guided activity or boat tour |
+| Amorino Gelato + Alpineum Café | $51 | |
+| Juice Paradise bubble tea | $29 | |
+| SBB toilets × 4 | $11 | CHF 1.50 each — Swiss public toilets |
+
+> The Rail Europe purchase last-minute cost $1,526 vs booking pre-trip where Swiss Travel Passes are generally cheaper. Worth pre-purchasing on future Swiss trips.
+
+---
+
+### Paris (Apr 8–12) — $3,878
+
+The return leg via Basel with 4 nights in Paris:
+
+**Transit Basel (Apr 8):**
+Bahn Mi Pho CHF 69 ($126) + McDonald's CHF 51 ($93) + Weber1s bagels ($66) + Kaffeemacher coffee ($17) + Confiseur Bachmann ($22) + Acento Argentino ($26) = **$350 in Basel** for the group during travel day
+
+**Paris spending:**
+
+| Item | Amount | Detail |
+|---|---:|---|
+| Viator/TripAdvisor guided tour | $296 | USD 203.70 — skip-the-line or guided Versailles/Paris tour |
+| Palace of Versailles tickets | $292 | Full group |
+| Louvre Museum tickets | $277 | Full group |
+| Adagio Paris hotel extra charge | $282 | EUR 169 — extra night or room upgrade |
+| FC Soleil restaurant | $207 | EUR 125 — group dinner |
+| Uber airport transfer (Apr 12) | $126 | EUR 75.98 — departure to CDG |
+| Deliveroo × 2 | $123 | EUR 52.49 + EUR 21.90 |
+| Yak and Yeti restaurant | $83 | EUR 49.90 |
+| Uber Eats | $65 | |
+| Wild Deer restaurant | $64 | EUR 38.20 |
+| Uber trips × 5 | $192 | Multiple rides across Paris |
+| Fric Frac Montmartre | $55 | EUR 33 |
+| Mitao | $56 | |
+| Navigo transit pass | $61 | Group metro/bus |
+| Little Versailles coffeeshop | $36 | |
+| Pain Pain bakery × 2 | $29 | |
+| Sarl by Orsel (groceries) × 2 | $35 | |
+| Various small | $49 | |
+
+> Museums + guided tour = **$865 on Paris attractions** (Versailles, Louvre, Viator).  
+> Uber was heavily used in Paris — 5+ trips totalling $254 including the CDG airport transfer.
+
+---
+
+## Spend by Category (Net)
+
+| Category | Net Spend | Txns | Notes |
+|---|---:|---:|---|
+| Travel | $31,290 | 51 | Flights, accommodation, trains, cable cars |
+| Dining | $4,241 | 95 | 95 restaurant/café/delivery transactions |
+| Transport | $2,636 | 35 | Uber, taxis, buses, metro passes |
+| Shopping | $2,053 | 6 | Erich Perathon $1,477 + Venice/Varenna/Florence |
+| Entertainment | $698 | 4 | Versailles, Louvre, Basilica, Bellagio souvenirs |
+| Groceries | $589 | 15 | Despar, Coop, Todis, Macelleria |
+| Other (net) | −$1,751 | 4 | Qatar refund exceeds "other" debits |
+| Uncategorised | $42 | 2 | Residual |
+| **Total** | **$39,757** | **212** | |
+
+> The negative "Other" figure reflects the Qatar Airways refund ($2,118) offsetting the ITA/Azwebin ancillary fees charged in the same category.
+
+---
+
+## Top 15 On-Trip Transactions
+
+| Date | Merchant | AUD | Category |
+|---|---|---:|---|
+| Mar 28 | Erich Perathon, Val Gardena | $1,477 | Shopping — EUR 880 gear |
+| Apr 6 | Rail Europe | $1,526 | Travel — EUR 912 rail passes |
+| Apr 7 | Daytrip.com | $1,078 | Transport — EUR 642 private tour |
+| Apr 10 | Rigi Bahnen | $844 | Travel — CHF 462 mountain railway |
+| Mar 22 | Roma Termini (train tickets) | $493 | Travel — EUR 300 |
+| Mar 22 | Trenitalia | $452 | Travel — EUR 275 |
+| Mar 28 | Trenitalia | $435 | Travel — EUR 260 |
+| Mar 30 | Funivie Seceda | $396 | Travel — EUR 236 cable car |
+| Apr 9 | Viator/TripAdvisor | $296 | Travel — USD 204 Paris tour |
+| Apr 8 | Palace of Versailles | $292 | Entertainment |
+| Apr 10 | Adagio Paris extra | $282 | Travel |
+| Apr 8 | Louvre Museum | $277 | Entertainment |
+| Mar 23 | Trenitalia | $274 | Travel — EUR 165 |
+| Mar 21 | Cash transactions (Rome) | $337 | Various |
+| Apr 1 | Taxi Demez Gregor | $239 | Transport — EUR 142 |
+
+---
+
+## Key Observations
+
+**Flight changes cost $278.80.** Qatar was booked first (Jan 17, $2,396.90) and later cancelled; the refund of $2,118.10 came through during the Rome stay on Mar 24. China Eastern (MEL→PVG→FCO) replaced it at $1,885.24 — marginally cheaper but via Shanghai with a longer travel time.
+
+**60% of spend was locked in before leaving Australia.** Pre-trip bookings (flights for all 5, accommodation across 7 cities, and pre-purchased trains) totalled $23,730 vs $16,027 spent on the ground.
+
+**Dolomites was the most expensive on-trip leg** despite only 4 days — Erich Perathon EUR 880 gear purchase in Val Gardena accounts for $1,477 alone. Without it, Dolomites would be the cheapest destination per day.
+
+**Rail spend ballooned in Lucerne.** Rail Europe EUR 912 ($1,526) bought last-minute in Lucerne was the single largest on-trip travel cost. Swiss Travel Passes are considerably cheaper when purchased outside Switzerland before travel.
+
+**Dining: 95 transactions, $4,241 net.** The group averaged $193/day on food across 22 days ($39/person/day). Glovo delivery was the primary dining mode during transit days and in Rome (10+ orders). Paris had the most sit-down restaurant spending — FC Soleil EUR 125, Yak and Yeti EUR 50, plus multiple delivery orders.
+
+**St Moritz: highest accommodation cost, lowest on-trip spend.** Agoda charged $2,560 for 2 nights but the group spent only $355 on-trip — almost entirely groceries and the local bakery.
+
+**Paris Uber spend: $254 across 6+ trips** including a $126 CDG airport transfer (EUR 76). Combined with 2 Deliveroo orders and Uber Eats, rideshare/delivery accounted for ~$380 of Paris on-trip costs.
@@ -0,0 +1,21 @@
+-- Trips: group transactions (via transaction_overrides.trip_id) into named
+-- trips with analytics. Catch-up migration — this DDL was applied directly to
+-- the live DB when the feature shipped; idempotent so re-running is safe.
+
+CREATE TABLE IF NOT EXISTS trips (
+  id          SERIAL PRIMARY KEY,
+  owner_id    INTEGER NOT NULL REFERENCES participants(id),
+  name        VARCHAR(255) NOT NULL,
+  description TEXT,
+  start_date  DATE,
+  end_date    DATE,
+  color       VARCHAR(20) NOT NULL DEFAULT '#6366f1',
+  archived    BOOLEAN NOT NULL DEFAULT false,
+  created_at  TIMESTAMPTZ NOT NULL DEFAULT now()
+);
+
+ALTER TABLE transaction_overrides
+  ADD COLUMN IF NOT EXISTS trip_id INTEGER REFERENCES trips(id) ON DELETE SET NULL;
+
+CREATE INDEX IF NOT EXISTS idx_tx_overrides_trip_id
+  ON transaction_overrides (trip_id) WHERE trip_id IS NOT NULL;
@@ -0,0 +1,10 @@
+-- Manual-only rules ("quick actions"): a rule flagged manual_only is never
+-- picked up by the bulk apply-all run. It exists to be fired by hand against a
+-- selection of transactions from the transactions page, so its conditions are
+-- irrelevant — the selection is the condition.
+
+ALTER TABLE rules
+  ADD COLUMN IF NOT EXISTS manual_only BOOLEAN NOT NULL DEFAULT false;
+
+CREATE INDEX IF NOT EXISTS idx_rules_manual_only
+  ON rules (owner_id, manual_only) WHERE manual_only = true;
@@ -0,0 +1,99 @@
+-- Normalise statements.statement_type to a fixed vocabulary.
+--
+-- Before this migration the column held whatever free text Gemini put in
+-- `account_type` ('Credit Card', 'credit card', 'credit_card', 'Business Card',
+-- 'ACCESS ADVANTAGE', 'multi-currency account', ...). The UI coped only by
+-- doing `.includes("card")`, which breaks as soon as bank and loan statements
+-- arrive.
+--
+-- The raw extracted text is preserved in `account_type` — this only touches
+-- `statement_type`. A BEFORE trigger normalises on write, so the N8N ingestion
+-- workflow keeps working unchanged while it still sends free text.
+--
+-- Idempotent: safe to re-run.
+
+CREATE OR REPLACE FUNCTION normalize_statement_type(raw TEXT)
+RETURNS TEXT AS $$
+DECLARE
+  v TEXT := lower(trim(coalesce(raw, '')));
+BEGIN
+  IF v = '' THEN
+    RETURN 'other';
+  END IF;
+
+  -- Already canonical
+  IF v IN ('credit_card', 'transaction', 'savings', 'loan', 'offset', 'investment', 'other') THEN
+    RETURN v;
+  END IF;
+
+  -- Offset before loan: "Mortgage Offset" is an offset account, not a loan.
+  IF v LIKE '%offset%' THEN
+    RETURN 'offset';
+  END IF;
+
+  -- Loans before transaction: "home loan account" must not match '%account%'.
+  IF v LIKE '%loan%' OR v LIKE '%mortgage%' THEN
+    RETURN 'loan';
+  END IF;
+
+  -- Cards: covers 'Credit Card', 'credit card', 'Business Card', 'Charge Card'
+  IF v LIKE '%card%' THEN
+    RETURN 'credit_card';
+  END IF;
+
+  IF v LIKE '%saving%' OR v LIKE '%term deposit%' THEN
+    RETURN 'savings';
+  END IF;
+
+  IF v LIKE '%invest%' OR v LIKE '%share%' OR v LIKE '%broker%' THEN
+    RETURN 'investment';
+  END IF;
+
+  -- Everyday transaction accounts. Bank-specific product names go here; the
+  -- generic keywords catch the rest.
+  IF v LIKE '%access advantage%'      -- ANZ
+     OR v LIKE '%complete access%'    -- Westpac
+     OR v LIKE '%smart access%'       -- CommBank
+     OR v LIKE '%netbank%'            -- CommBank
+     OR v LIKE '%classic banking%'    -- NAB
+     OR v LIKE '%multi-currency%'     -- Wise
+     OR v LIKE '%multi currency%'
+     OR v LIKE '%transaction%'
+     OR v LIKE '%everyday%'
+     OR v LIKE '%cheque%'
+     OR v LIKE '%current account%'
+     OR v LIKE '%debit%'
+  THEN
+    RETURN 'transaction';
+  END IF;
+
+  RETURN 'other';
+END;
+$$ LANGUAGE plpgsql IMMUTABLE;
+
+-- Normalise on write so the N8N workflow can keep sending raw account_type.
+CREATE OR REPLACE FUNCTION statements_normalize_type_trigger()
+RETURNS TRIGGER AS $$
+BEGIN
+  NEW.statement_type := normalize_statement_type(NEW.statement_type);
+  RETURN NEW;
+END;
+$$ LANGUAGE plpgsql;
+
+DROP TRIGGER IF EXISTS trg_statements_normalize_type ON statements;
+CREATE TRIGGER trg_statements_normalize_type
+  BEFORE INSERT OR UPDATE OF statement_type ON statements
+  FOR EACH ROW EXECUTE FUNCTION statements_normalize_type_trigger();
+
+-- Backfill existing rows.
+UPDATE statements
+SET statement_type = normalize_statement_type(statement_type)
+WHERE statement_type IS DISTINCT FROM normalize_statement_type(statement_type);
+
+-- Guard the vocabulary. Safe because the trigger runs first on every write.
+ALTER TABLE statements DROP CONSTRAINT IF EXISTS statements_statement_type_check;
+ALTER TABLE statements
+  ADD CONSTRAINT statements_statement_type_check
+  CHECK (statement_type IN ('credit_card', 'transaction', 'savings', 'loan', 'offset', 'investment', 'other'));
+
+ALTER TABLE statements ALTER COLUMN statement_type SET DEFAULT 'other';
@@ -0,0 +1,85 @@
+-- Loan statement support.
+--
+-- Migration 0013 taught the system that a statement can be a loan; this gives
+-- loans somewhere to put the data that only loans have.
+--
+-- The core accounting problem: a loan repayment is not an expense. A $3,000
+-- mortgage repayment is roughly $1,200 of principal (a balance-sheet move that
+-- builds equity) and $1,800 of interest (the only part that is genuinely spend).
+-- Counting the whole repayment as spending overstates expenses badly.
+--
+-- Two statement shapes are handled:
+--   (a) The common Australian case — the loan statement lists repayments and
+--       "Interest Charged" as separate rows. transaction_type already carries
+--       this: 'interest' rows count as spend, 'payment' rows do not.
+--   (b) Some lenders itemise principal and interest on the repayment row itself.
+--       That's what principal_amount / interest_amount are for: when
+--       interest_amount is set, analytics count that instead of the full amount.
+--
+-- Idempotent: safe to re-run.
+
+-- Per-transaction principal/interest split (shape (b) above).
+ALTER TABLE transactions
+  ADD COLUMN IF NOT EXISTS principal_amount NUMERIC(12,2),
+  ADD COLUMN IF NOT EXISTS interest_amount  NUMERIC(12,2);
+
+COMMENT ON COLUMN transactions.principal_amount IS
+  'Principal portion of a loan repayment, when the statement itemises it. Not spend.';
+COMMENT ON COLUMN transactions.interest_amount IS
+  'Interest portion of a loan repayment, when the statement itemises it. This is the part that counts as spend.';
+
+-- Partial index: only loan repayment rows carry a split.
+CREATE INDEX IF NOT EXISTS idx_transactions_interest_amount
+  ON transactions (interest_amount)
+  WHERE interest_amount IS NOT NULL;
+
+-- Loan-level terms, read off the statement header.
+ALTER TABLE statements
+  ADD COLUMN IF NOT EXISTS interest_rate        NUMERIC(6,3),
+  ADD COLUMN IF NOT EXISTS scheduled_repayment  NUMERIC(12,2),
+  ADD COLUMN IF NOT EXISTS repayment_frequency  TEXT,
+  ADD COLUMN IF NOT EXISTS redraw_available     NUMERIC(12,2),
+  ADD COLUMN IF NOT EXISTS loan_term_months     INTEGER;
+
+COMMENT ON COLUMN statements.interest_rate IS 'Annual interest rate as a percentage, e.g. 6.140';
+COMMENT ON COLUMN statements.redraw_available IS 'Funds available to redraw (loans) — not the same as available_credit on a card.';
+
+-- Free text varies by lender ("Monthly", "Fortnightly"); normalise the common
+-- spellings rather than constraining, so an unexpected value never blocks an import.
+ALTER TABLE statements DROP CONSTRAINT IF EXISTS statements_repayment_frequency_check;
+
+CREATE OR REPLACE FUNCTION normalize_repayment_frequency(raw TEXT)
+RETURNS TEXT AS $$
+DECLARE
+  v TEXT := lower(trim(coalesce(raw, '')));
+BEGIN
+  IF v = '' THEN RETURN NULL; END IF;
+  -- Check fortnightly spellings before the bare '%week%' match below.
+  IF v LIKE '%fortnight%' OR v LIKE '%bi-week%' OR v LIKE '%biweek%'
+     OR v LIKE '%2 week%' OR v LIKE '%two week%' OR v LIKE '%14 day%'
+  THEN RETURN 'fortnightly'; END IF;
+  IF v LIKE '%month%'   THEN RETURN 'monthly'; END IF;
+  IF v LIKE '%week%'    THEN RETURN 'weekly'; END IF;
+  IF v LIKE '%quarter%' THEN RETURN 'quarterly'; END IF;
+  IF v LIKE '%annual%' OR v LIKE '%year%' THEN RETURN 'annually'; END IF;
+  RETURN v;
+END;
+$$ LANGUAGE plpgsql IMMUTABLE;
+
+CREATE OR REPLACE FUNCTION statements_normalize_loan_fields_trigger()
+RETURNS TRIGGER AS $$
+BEGIN
+  NEW.repayment_frequency := normalize_repayment_frequency(NEW.repayment_frequency);
+  RETURN NEW;
+END;
+$$ LANGUAGE plpgsql;
+
+DROP TRIGGER IF EXISTS trg_statements_normalize_loan_fields ON statements;
+CREATE TRIGGER trg_statements_normalize_loan_fields
+  BEFORE INSERT OR UPDATE OF repayment_frequency ON statements
+  FOR EACH ROW EXECUTE FUNCTION statements_normalize_loan_fields_trigger();
+
+UPDATE statements
+SET repayment_frequency = normalize_repayment_frequency(repayment_frequency)
+WHERE repayment_frequency IS NOT NULL
+  AND repayment_frequency IS DISTINCT FROM normalize_repayment_frequency(repayment_frequency);
@@ -0,0 +1,137 @@
+-- Canonical category vocabulary, enforced at the database.
+--
+-- Categories arrive from three places: the Gemini extraction (which writes
+-- straight to Postgres from N8N, bypassing the app entirely), CSV import, and
+-- manual edits. Only the DB sits under all three, so that is where the rule has
+-- to live -- the same reasoning as normalize_statement_type() in 0013.
+--
+-- What had leaked in without it:
+--   payment    19 rows  $42,569.42   transaction_type written into the category
+--   refund     15 rows   $8,558.99   ditto
+--   Shopping   13 rows   $2,917.44   title-case duplicates of real categories,
+--   Dining     10 rows     $127.30   which every GROUP BY counted separately
+--   (NULL)      3 rows   $1,135.05
+
+CREATE OR REPLACE FUNCTION normalize_category(raw TEXT)
+RETURNS TEXT AS $$
+DECLARE
+  v TEXT;
+BEGIN
+  IF raw IS NULL OR btrim(raw) = '' THEN RETURN 'other'; END IF;
+
+  -- Title-case and spaced variants collapse onto the canonical spelling:
+  -- 'Home Goods' -> 'home_goods', 'Shopping' -> 'shopping'.
+  v := replace(replace(lower(btrim(raw)), ' ', '_'), '-', '_');
+
+  IF v IN ('groceries','dining','transport','fuel','shopping','utilities',
+           'entertainment','travel','health','insurance','subscriptions',
+           'cash_advance','government','education','rent','home_goods',
+           'home_maintenance','transfers','income','investment','loan_interest',
+           'personal_care','pets','gifts','charity','fees','other')
+  THEN RETURN v; END IF;
+
+  -- transaction_type leaking into the category field. A payment is money moving
+  -- to a card or account, which is exactly what 'transfers' means here.
+  IF v IN ('payment','payments','transfer') THEN RETURN 'transfers'; END IF;
+
+  -- Bare 'interest' is credit-card interest; loan interest is categorised
+  -- loan_interest by the extraction prompt and matches the list above.
+  IF v IN ('fee','bank_fees','interest') THEN RETURN 'fees'; END IF;
+
+  -- Singular/plural and common synonyms.
+  IF v IN ('grocery','supermarket')        THEN RETURN 'groceries'; END IF;
+  IF v IN ('subscription')                 THEN RETURN 'subscriptions'; END IF;
+  IF v IN ('utility','bills')              THEN RETURN 'utilities'; END IF;
+  IF v IN ('gift')                         THEN RETURN 'gifts'; END IF;
+  IF v IN ('pet')                          THEN RETURN 'pets'; END IF;
+  IF v IN ('restaurant','restaurants','food','takeaway') THEN RETURN 'dining'; END IF;
+  IF v IN ('petrol','gas','gasoline')      THEN RETURN 'fuel'; END IF;
+  IF v IN ('medical','pharmacy')           THEN RETURN 'health'; END IF;
+  IF v IN ('donation','donations')         THEN RETURN 'charity'; END IF;
+  IF v IN ('salary','wages')               THEN RETURN 'income'; END IF;
+  IF v IN ('investments','savings')        THEN RETURN 'investment'; END IF;
+  IF v IN ('housing','mortgage')           THEN RETURN 'rent'; END IF;
+
+  -- A 'refund' is not a category -- it says nothing about what was bought. The
+  -- backfill below recovers the real category from the merchant where it can;
+  -- anything still unknown lands in 'other' rather than inventing a category.
+  RETURN 'other';
+END;
+$$ LANGUAGE plpgsql IMMUTABLE;
+
+
+-- Recover categories for rows typed as refunds before collapsing them to
+-- 'other': use the most common category that merchant has on ordinary spend.
+UPDATE transactions t
+SET category = m.mode_category
+FROM (
+  SELECT merchant_normalized,
+         MODE() WITHIN GROUP (ORDER BY category) AS mode_category
+  FROM transactions
+  WHERE merchant_normalized IS NOT NULL
+    AND category IS NOT NULL
+    AND category NOT IN ('payment','refund','fee','interest')
+    AND transaction_type IN ('debit','fee','interest')
+  GROUP BY merchant_normalized
+) m
+WHERE t.merchant_normalized = m.merchant_normalized
+  AND t.category = 'refund'
+  AND m.mode_category IS NOT NULL;
+
+
+-- Backfill everything else through the function.
+UPDATE transactions
+SET category = normalize_category(category)
+WHERE category IS NULL OR category <> normalize_category(category);
+
+UPDATE transaction_overrides
+SET category_override = normalize_category(category_override)
+WHERE category_override IS NOT NULL
+  AND category_override <> normalize_category(category_override);
+
+
+CREATE OR REPLACE FUNCTION transactions_normalize_category()
+RETURNS TRIGGER AS $$
+BEGIN
+  NEW.category := normalize_category(NEW.category);
+  RETURN NEW;
+END;
+$$ LANGUAGE plpgsql;
+
+DROP TRIGGER IF EXISTS trg_transactions_normalize_category ON transactions;
+CREATE TRIGGER trg_transactions_normalize_category
+  BEFORE INSERT OR UPDATE OF category ON transactions
+  FOR EACH ROW EXECUTE FUNCTION transactions_normalize_category();
+
+-- Overrides keep NULL meaning "no override"; only a set value is normalised.
+CREATE OR REPLACE FUNCTION overrides_normalize_category()
+RETURNS TRIGGER AS $$
+BEGIN
+  IF NEW.category_override IS NOT NULL THEN
+    NEW.category_override := normalize_category(NEW.category_override);
+  END IF;
+  RETURN NEW;
+END;
+$$ LANGUAGE plpgsql;
+
+DROP TRIGGER IF EXISTS trg_overrides_normalize_category ON transaction_overrides;
+CREATE TRIGGER trg_overrides_normalize_category
+  BEFORE INSERT OR UPDATE OF category_override ON transaction_overrides
+  FOR EACH ROW EXECUTE FUNCTION overrides_normalize_category();
+
+
+ALTER TABLE transactions DROP CONSTRAINT IF EXISTS transactions_category_check;
+ALTER TABLE transactions ADD CONSTRAINT transactions_category_check
+  CHECK (category IS NULL OR category IN (
+    'groceries','dining','transport','fuel','shopping','utilities','entertainment',
+    'travel','health','insurance','subscriptions','cash_advance','government',
+    'education','rent','home_goods','home_maintenance','transfers','income',
+    'investment','loan_interest','personal_care','pets','gifts','charity','fees','other'));
+
+ALTER TABLE transaction_overrides DROP CONSTRAINT IF EXISTS overrides_category_check;
+ALTER TABLE transaction_overrides ADD CONSTRAINT overrides_category_check
+  CHECK (category_override IS NULL OR category_override IN (
+    'groceries','dining','transport','fuel','shopping','utilities','entertainment',
+    'travel','health','insurance','subscriptions','cash_advance','government',
+    'education','rent','home_goods','home_maintenance','transfers','income',
+    'investment','loan_interest','personal_care','pets','gifts','charity','fees','other'));
@@ -0,0 +1,35 @@
+-- How a transaction was paid for, so cash can be told apart from everything else.
+--
+-- The problem this solves: getPendingReconciliations treats every unreconciled
+-- manual transaction as awaiting a matching statement row. A cash purchase never
+-- appears on a statement, so it sits in the queue forever and is offered matches
+-- within 3 days and 1% on amount. Accepting one is silently destructive --
+-- reconciled manual rows are excluded from every query, so the cash spend
+-- disappears while the card transaction it matched claims to be that same spend.
+--
+-- NULL means unknown, which is treated as reconcilable -- the existing behaviour
+-- for every row already in the table.
+--
+-- Only 'cash' is excluded from reconciliation. A bank transfer DOES appear on a
+-- statement now that transaction accounts are being imported, so it stays a
+-- reconciliation candidate.
+
+ALTER TABLE transactions
+  ADD COLUMN IF NOT EXISTS payment_method TEXT;
+
+ALTER TABLE transactions DROP CONSTRAINT IF EXISTS transactions_payment_method_check;
+ALTER TABLE transactions ADD CONSTRAINT transactions_payment_method_check
+  CHECK (payment_method IS NULL
+         OR payment_method IN ('card', 'cash', 'bank_transfer', 'other'));
+
+-- Partial index: the reconciliation query filters on this, and cash is expected
+-- to stay a small minority of rows.
+CREATE INDEX IF NOT EXISTS idx_transactions_payment_method
+  ON transactions (payment_method) WHERE payment_method IS NOT NULL;
+
+-- Backfill the one row that is unambiguously cash. Statement-linked rows are
+-- left NULL: they came from a statement, so by definition they are not cash.
+UPDATE transactions
+SET payment_method = 'cash'
+WHERE statement_id IS NULL
+  AND description ILIKE '%cash transaction%';
@@ -0,0 +1,28 @@
+-- Record which rule a run came from.
+--
+-- rule_apply_runs stored only counts ("13 matches · 13 transactions"), which is
+-- not enough to decide whether to revert: you cannot tell a merchant rename from
+-- a 50/50 split of your entire history. The snapshot column already holds the
+-- before-state, but nothing said what was applied or why.
+--
+-- rule_name is denormalised deliberately. A run must stay readable after the
+-- rule it came from is edited or deleted -- the history is a record of what
+-- happened, not a pointer to what the rule says today.
+
+ALTER TABLE rule_apply_runs
+  ADD COLUMN IF NOT EXISTS rule_id   INTEGER,
+  ADD COLUMN IF NOT EXISTS rule_name TEXT,
+  -- 'all' = bulk run over every enabled rule; 'rule' = one rule by conditions;
+  -- 'selection' = one rule against hand-picked transactions (preview → apply).
+  ADD COLUMN IF NOT EXISTS source    TEXT;
+
+ALTER TABLE rule_apply_runs DROP CONSTRAINT IF EXISTS rule_apply_runs_source_check;
+ALTER TABLE rule_apply_runs ADD CONSTRAINT rule_apply_runs_source_check
+  CHECK (source IS NULL OR source IN ('all', 'rule', 'selection'));
+
+-- No FK to rules: deleting a rule must not cascade away the audit trail.
+CREATE INDEX IF NOT EXISTS idx_rule_apply_runs_rule
+  ON rule_apply_runs (rule_id) WHERE rule_id IS NOT NULL;
+
+-- Existing rows stay NULL. There is no way to recover which rule they ran;
+-- the UI shows them as "unknown rule" rather than guessing.
@@ -0,0 +1,40 @@
+-- Create order_reviews table
+CREATE TABLE IF NOT EXISTS order_reviews (
+    id SERIAL PRIMARY KEY,
+    transaction_id INTEGER NOT NULL UNIQUE REFERENCES transactions(id) ON DELETE CASCADE,
+    rating TEXT,
+    order_again BOOLEAN,
+    note TEXT,
+    item_verdicts JSONB NOT NULL DEFAULT '[]',
+    created_at TIMESTAMPTZ NOT NULL DEFAULT NOW(),
+    updated_at TIMESTAMPTZ NOT NULL DEFAULT NOW()
+);
+
+-- Add source_message_id to expense_metadata
+ALTER TABLE expense_metadata ADD COLUMN IF NOT EXISTS source_message_id TEXT;
+
+-- 1. Admit 'credits' as a payment method.
+ALTER TABLE transactions DROP CONSTRAINT IF EXISTS transactions_payment_method_check;
+ALTER TABLE transactions ADD CONSTRAINT transactions_payment_method_check
+  CHECK (payment_method IS NULL OR payment_method IN
+         ('card','cash','bank_transfer','credits','other'));
+
+-- 2. Idempotency key (I7). Partial: rows without an order_reference
+--    (manual entries) are unaffected.
+CREATE UNIQUE INDEX IF NOT EXISTS uq_expense_source_order
+  ON expense_metadata (source, order_reference)
+  WHERE order_reference IS NOT NULL;
+
+-- 3. I1 as a database-level guard, not just workflow logic.
+--    Scoped to pipeline-created rows so manual/statement rows are untouched.
+ALTER TABLE transactions DROP CONSTRAINT IF EXISTS chk_ingested_orders_after_cutover;
+ALTER TABLE transactions ADD CONSTRAINT chk_ingested_orders_after_cutover
+  CHECK (
+    payment_method IS DISTINCT FROM 'credits'
+    OR transaction_date >= DATE '2026-01-09'
+  );
+
+-- 4. Constrain the review verdict (§6.1).
+ALTER TABLE order_reviews DROP CONSTRAINT IF EXISTS chk_order_review_rating;
+ALTER TABLE order_reviews ADD CONSTRAINT chk_order_review_rating
+  CHECK (rating IS NULL OR rating IN ('again','fine','never'));
@@ -0,0 +1,17 @@
+-- Deferred card reconciliation.
+--
+-- An order paid "MasterCard Ending in 8032 and/or credits" does not state the
+-- split. The split is recoverable from the card statement -- but for a live
+-- order that statement is weeks away, so the split cannot be resolved at ingest
+-- time. These columns let an order be parked and revisited.
+
+ALTER TABLE expense_metadata ADD COLUMN IF NOT EXISTS card_last4 TEXT;
+ALTER TABLE expense_metadata ADD COLUMN IF NOT EXISTS currency TEXT;
+ALTER TABLE expense_metadata ADD COLUMN IF NOT EXISTS flags JSONB NOT NULL DEFAULT '[]';
+ALTER TABLE expense_metadata ADD COLUMN IF NOT EXISTS reconciled_at TIMESTAMPTZ;
+
+-- The pending set: provenance recorded, no transaction yet, still waiting on a
+-- statement line. Partial so it stays small regardless of table growth.
+CREATE INDEX IF NOT EXISTS idx_expense_metadata_pending
+  ON expense_metadata (transaction_date)
+  WHERE transaction_id IS NULL AND reconciled_at IS NULL;
@@ -0,0 +1,13 @@
+-- Which statement line settled an order's card leg.
+--
+-- Without this, reconcileCardLeg has no way to know a charge has already been
+-- consumed, so two orders on the same card inside the match window both bind to
+-- it and each books its own credits remainder -- double-counting spend.
+ALTER TABLE expense_metadata
+  ADD COLUMN IF NOT EXISTS matched_transaction_id INTEGER
+  REFERENCES transactions(id) ON DELETE SET NULL;
+
+-- One statement line settles at most one order.
+CREATE UNIQUE INDEX IF NOT EXISTS uq_expense_matched_txn
+  ON expense_metadata (matched_transaction_id)
+  WHERE matched_transaction_id IS NOT NULL;
@@ -7,6 +7,19 @@ datasource db {
  provider = "postgresql"
 }

+model trips {
+  id          Int                     @id @default(autoincrement())
+  owner_id    Int
+  name        String
+  description String?
+  start_date  DateTime?               @db.Date
+  end_date    DateTime?               @db.Date
+  color       String                  @default("#6366f1")
+  archived    Boolean                 @default(false)
+  created_at  DateTime                @default(now())
+  overrides   transaction_overrides[]
+}
+
 model transaction_overrides {
  id                  Int       @id @default(autoincrement())
  transaction_id      Int       @unique
@@ -15,6 +28,8 @@ model transaction_overrides {
  notes               String?
  my_share_percent    Decimal?  @db.Decimal(5, 2)
  updated_at          DateTime  @default(now()) @updatedAt
+  trip_id             Int?
+  trip                trips?    @relation(fields: [trip_id], references: [id], onDelete: SetNull)
 }

 model participants {
@@ -83,15 +98,16 @@ model transaction_tags {
 }

 model rules {
-  id         Int      @id @default(autoincrement())
-  owner_id   Int
-  name       String
-  conditions Json     @default("[]")
-  actions    Json     @default("{}")
-  enabled    Boolean  @default(true)
-  priority   Int      @default(0)
-  created_at DateTime @default(now())
-  updated_at DateTime @default(now()) @updatedAt
+  id          Int     @id @default(autoincrement())
+  owner_id    Int
+  name        String
+  conditions  Json    @default("[]")
+  actions     Json    @default("{}")
+  enabled     Boolean @default(true)
+  manual_only Boolean @default(false)
+  priority    Int      @default(0)
+  created_at  DateTime @default(now())
+  updated_at  DateTime @default(now()) @updatedAt
 }

 model budgets {
@@ -121,7 +137,7 @@ model statements {
  event_created        Boolean?       @default(false)
  tier_used            String?
  created_at           DateTime?      @default(now())
-  statement_type       String         @default("credit_card")
+  statement_type       String         @default("other")
  currency             String?        @default("AUD")
  opening_balance      Decimal?       @db.Decimal(12, 2)
  closing_balance      Decimal?       @db.Decimal(12, 2)
@@ -135,6 +151,11 @@ model statements {
  account_holder_name  String?
  exchange_rate_to_aud Decimal?       @db.Decimal(10, 6)
  paperless_doc_id     Int?           @unique
+  interest_rate        Decimal?       @db.Decimal(6, 3)
+  scheduled_repayment  Decimal?       @db.Decimal(12, 2)
+  repayment_frequency  String?
+  redraw_available     Decimal?       @db.Decimal(12, 2)
+  loan_term_months     Int?
  transactions         transactions[]
 }

@@ -154,12 +175,16 @@ model transactions {
  row_index               Int?
  merchant_normalized     String?
  amount_aud              Decimal?      @db.Decimal(12, 2)
+  payment_method          String?       // card | cash | bank_transfer | other; NULL = unknown (migration 0016)
  owner_id                Int?
  reconciled_with_id      Int?
+  principal_amount        Decimal?      @db.Decimal(12, 2)
+  interest_amount         Decimal?      @db.Decimal(12, 2)
  statement               statements?   @relation(fields: [statement_id], references: [id], onDelete: Cascade)
  reconciled_with         transactions?  @relation("reconciled", fields: [reconciled_with_id], references: [id], onDelete: SetNull)
  reconciled_by           transactions[] @relation("reconciled")
  expense_metadata        expense_metadata?
+  order_review            order_reviews?
 }

 model expense_metadata {
@@ -169,6 +194,7 @@ model expense_metadata {
  paperless_doc_id      Int?          @unique
  source_email_subject  String?
  source_email_from     String?
+  source_message_id     String?
  payment_method        String?
  payment_method_detail String?
  order_reference       String?
@@ -181,6 +207,20 @@ model expense_metadata {
  extraction_model      String?       @default("gemini-2.5-flash")
  created_at            DateTime?     @default(now())
  transaction           transactions? @relation(fields: [transaction_id], references: [id], onDelete: Cascade)
+
+  @@unique([source, order_reference], name: "uq_expense_source_order")
+}
+
+model order_reviews {
+  id             Int          @id @default(autoincrement())
+  transaction_id Int          @unique
+  rating         String?
+  order_again    Boolean?
+  note           String?
+  item_verdicts  Json         @default("[]")
+  created_at     DateTime     @default(now())
+  updated_at     DateTime     @updatedAt
+  transaction    transactions @relation(fields: [transaction_id], references: [id], onDelete: Cascade)
 }

 model rule_apply_runs {
@@ -0,0 +1,111 @@
+# Personal Finance Tracker — Project Context
+
+## What Is This?
+
+A self-hosted personal finance tracker built from scratch. It automatically ingests bank statements, categorises transactions using AI, and provides a web UI for reviewing spending, managing shared expenses, and running analytics.
+
+---
+
+## How It Works (High Level)
+
+### Automatic Statement Ingestion
+
+Bank statements (PDFs) are uploaded to a document management system (Paperless-NGX). An automation workflow (N8N) polls for new documents every 5 minutes and:
+
+1. Sends the PDF to Google Gemini (AI) for structured data extraction
+2. Normalises the extracted data (merchant names, currencies, account numbers)
+3. Inserts the statement summary and individual transactions into a PostgreSQL database
+4. Creates a Google Calendar reminder for credit card payment due dates
+5. For new/unknown bank accounts, requires a human approval before inserting
+
+---
+
+## Core Features
+
+### Transactions View
+- Full paginated list of all transactions across all bank accounts
+- Filters: date range, category, bank, tags, transaction type, amount range, split status, free-text search
+- Sortable columns including transaction date, amount, and import date
+- Inline editing of category, merchant name, and notes
+- Tagging system with user-defined coloured labels
+
+### Statements View
+- One row per billing period per account
+- Filters by bank, statement type, owner, year
+- Click a statement to see only its transactions
+
+### Analytics / Insights
+- Monthly spend breakdown by category (stacked bar chart)
+- Category trend lines over time
+- Pareto chart (which categories drive the most spend)
+- Cumulative spend curve
+- Savings rate over time
+- Recurring charge detection (subscriptions/recurring merchants)
+- Fees and interest audit (tracks what's been paid in bank fees and interest charges)
+- Committed vs discretionary spend split
+
+### Merchant Profiles
+- Per-merchant transaction history and net spend
+- Scatter plot of spend over time
+- Accounts for refunds/credits
+
+### Shared Expenses
+- Split transactions between multiple people (by percentage)
+- Tracks who owes what with a running balance
+- Record cash settlements between participants
+- Tag filter on shared view to track specific projects/events
+
+### Rules Engine
+- Create saved rules that auto-apply categories, merchant names, tags, or splits to matching transactions
+- Conditions: merchant name, description, category, bank, amount, transaction type
+- Operators: contains, equals, starts with, greater/less than, not equals
+- Bulk-apply all rules at once with full revert support (snapshot stored before each run)
+
+### Manual Transactions + Reconciliation
+- Enter transactions manually (cash, receipts not on a statement)
+- CSV import for bulk entry
+- Reconcile manual transactions against statement transactions when the statement arrives — merges tags, splits, and notes onto the statement version
+
+### Multi-Owner Support
+- Multiple people's accounts can be tracked in the one app
+- Each statement/transaction is scoped to an owner
+- The logged-in user only sees their own data
+
+---
+
+## Technology
+
+- **Frontend**: Next.js (React), TypeScript, Tailwind CSS, Recharts for charts
+- **Backend**: Next.js API routes with raw PostgreSQL queries (no ORM at query time)
+- **Database**: PostgreSQL
+- **AI extraction**: Google Gemini 2.5 Flash (PDF → structured JSON)
+- **Automation**: N8N workflow orchestrates the ingestion pipeline
+- **Auth**: Users are authenticated by the reverse proxy before reaching the app
+- **Hosting**: Self-hosted Docker container on a home server
+
+---
+
+## Data Structure (Summary)
+
+| Concept | Description |
+|---------|-------------|
+| **Statement** | One billing period for one bank account. Has summary totals (closing balance, fees, interest, credit limit, etc.) |
+| **Transaction** | A line item. Has date, amount, merchant, category, transaction type (debit/credit/refund/fee/etc.) |
+| **Override** | User correction to AI-extracted merchant name or category. Stored separately to preserve the original AI output |
+| **Split** | A transaction shared with another person — records their percentage share and whether it's been settled |
+| **Tag** | A free-form label applied to transactions (e.g. "Europe Trip 2026", "Home Reno") |
+| **Rule** | A saved condition→action pair applied in bulk to auto-categorise/tag/split transactions |
+| **Participant** | A person (account owner or expense-sharing partner) |
+| **Split Payment** | A recorded cash settlement between two participants |
+
+### Category Taxonomy
+
+Fixed set used by AI and overridable by the user:
+`groceries`, `dining`, `transport`, `fuel`, `shopping`, `utilities`, `entertainment`, `travel`, `health`, `insurance`, `subscriptions`, `cash_advance`, `government`, `education`, `rent`, `home_goods`, `home_maintenance`, `transfers`, `income`, `investment`, `personal_care`, `pets`, `gifts`, `charity`, `other`
+
+---
+
+## Known Limitations / Planned Work
+
+- **Payment provider conflation**: Transactions processed through PayPal, Afterpay, Zip etc. sometimes show the payment provider as the merchant rather than the actual store. Plan is to extract `payment_provider` as a separate field so the real merchant is preserved.
+- **Budgets**: The database has a budget table but it's not currently surfaced in the UI (the analytics/insights views replaced it for now).
@@ -0,0 +1,549 @@
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+          src: url('https://typography.doordash.com/TTNorms-Regular.woff') format('woff'), url('https://typography.doordash.com/TTNorms-Regular.ttf') format('truetype');
+          font-weight: normal !important;
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+        @font-face {
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+        @font-face {
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+ </head>
+ <body bgcolor="#ffffff" class="em_body" data-gr-c-s-loaded="true" style="margin:0px auto; padding:0px;">
+  <span style="color:transparent;visibility:hidden;display:none;opacity:0;height:0;width:0;font-size:0;"></span> <!-- == Body Section == -->
+  <table bgcolor="#ffffff" border="0" cellpadding="0" cellspacing="0" class="em_full_wrap" width="100%">
+   <tbody>
+    <tr>
+     <td align="center" valign="top">
+      <table align="center" border="0" cellpadding="0" cellspacing="0" class="em_main_table" style="width:700px;" width="700">
+       <tbody>
+        <tr>
+         <td align="center" valign="top"><!---->
+          <table align="center" bgcolor="#ededed" border="0" cellpadding="0" cellspacing="0" width="100%">
+           <tbody>
+            <tr>
+             <td class="em_h30" height="62" style="height:62px; line-height:0px; font-size:0px;"></td>
+            </tr> <!-- banner Section -->
+            <tr>
+             <td align="center" valign="top">
+              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+               <tbody>
+                <tr>
+                 <td align="center" bgcolor="#ededed" class="em_hauto" valign="top"><!---->
+                  <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                   <tbody>
+                    <tr>
+                     <td class="em_side30" style="width:60px;" width="60"></td>
+                     <td align="center" class="em_hauto" valign="top">
+                      <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                       <tbody>
+                        <tr>
+                         <td align="left" valign="top"><a style="text-decoration:none;" target="_blank" href="https://tracksg.doordash.com/uni/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FBg5Q-2B-2F17CbuWT8XZi-2BuiX9NQvXQ9aE-2FeLMhxL9C-2FAEkIYH_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDU38dwgb-2BDbpbbf0hwXhFRygzsqDKLqVcMuBPdkhwo7LHk9TXfSbi-2B0mW4NvsDLo9Q6gWLaNP3J-2Fyzkvnw5dniDohab0lVqyyqLUGGGtDfKri8s0BPbLw2Kta64VgtBfCarELB9jSoY9mQzB-2FDOSk7-2FtMWjohoN3uf5f2rLrFhl33mtjWZ53lXvtDO4wQsmVDJSCEfVON02MQaDh-2BmTLPN5Vxq7DH8UlIbETnDVF4Df7l7njadHPDZB2aHMoBR9nS93-2B-2FrbnWmdM0cdfetMj3RGMa8Yk-2Fgyfj6ZKM2CqlUxqNZhbHVjZo1bFR4YvyxsTPc56A8ujeF0vzPIUM4yXtdY-2BtGKNvO-2F2momIcFB8TCK6k39zWYllF-2FQub6BRW64qF3OwcOA8Qi4U05aRe966x3Bpi5mkgpGuXH0X2CslH23bljSHOl2uOmwPSt23EvYS0CPbrX4YRtgLnEmHgYYbokWIuo5wjdIr3VkCFPni8ollM9GFO6AXsUeSwZAvhq6oZY-2FetynINJjWZRmZA3FqSomogDxHnQi04e6CHFKy-2BGOn5XT6stPkmBsFDgIMFmy1Jd3aVxMduJiqTN-2FrgtJfvcZfTHhj5HcBZymhPVxScgd1TCe4E2-2FYMFqXzB9Or-2FAP5yIgF2yNJhy8OA3CMlV8LdA8Rd-2Fsxt1caI8cPn9hyYypY-2FLckUNAxRzwuBCAQ1buubQlldewgQiuToSUsejOOxk-3D" universal="true"><img alt="DOORDASH" border="0" class="en_icon" style="display:block; max-width:45px;font-family:Arial, sans-serif;font-size:20px; line-height:30px; color:#ee3623; font-weight:bold;" width="45" src="https://assets.doordash.team/m/835d1d775f776ef/original/-04_April-MX_Winback_Campaign-logo_img.png"> </a></td>
+                        </tr>
+                        <tr>
+                         <td class="em_h20" height="50" style="height:50px; line-height:0px; font-size:0px;"></td>
+                        </tr>
+                        <tr>
+                         <td align="left" class="em_defaultlink em_font_58 em_bold" style="font-family:'TTNorms-Bold', Arial, sans-serif; color:#000000;font-size:51px; line-height:60px; font-weight: bold;" valign="top"><!---->Thanks for your<br> order, Siddharth<!----></td>
+                        </tr>
+                        <tr>
+                         <td class="em_h10" height="20" style="height:20px; line-height:0px; font-size:0px;"></td>
+                        </tr>
+                        <tr>
+                         <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#000000;font-size:16px; line-height:20px;" valign="top"><!---->The estimated delivery time for your order<br class="em_hide"> is <strong>2:00 pm - 2:15 pm</strong>. Track your order in<br class="em_hide"> the DoorDash app or website.<!----></td>
+                        </tr>
+                        <tr>
+                         <td class="em_h10" height="20" style="height:20px; line-height:0px; font-size:0px;"></td>
+                        </tr>
+                        <tr>
+                         <td align="left" valign="top">
+                          <table align="left" border="0" cellpadding="0" cellspacing="0" class="em_cta" style="width:220px; max-width:220px;" width="220">
+                           <tbody>
+                            <tr>
+                             <td align="center" class="em_defaultlink em_cta em_bold" height="45" style="font-family:'TTNorms-Bold', Arial, sans-serif;color:#ffffff;font-size:18px; background-color:#eb1700; border-radius:25px; font-weight: bold; " valign="middle"><a style="text-decoration:none; display:block; color:#ffffff; line-height:45px;" target="_blank" href="https://tracksg.doordash.com/uni/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FBg5Q-2B-2F17CbuWT8XZi-2BuiUYpjiz5uS6IJixGXj3UHbTD93pKefx1-2F0xnbLGDGm-2F-2BQiJu-2BjCmmrEKOYlPr7srvk-3D8BvI_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDU38dwgb-2BDbpbbf0hwXhFRygzsqDKLqVcMuBPdkhwo7LHk9TXfSbi-2B0mW4NvsDLo9Q6gWLaNP3J-2Fyzkvnw5dniDohab0lVqyyqLUGGGtDfKri8s0BPbLw2Kta64VgtBfCarELB9jSoY9mQzB-2FDOSk7-2FtMWjohoN3uf5f2rLrFhl33mtjWZ53lXvtDO4wQsmVDJSCEfVON02MQaDh-2BmTLPN5Vxq7DH8UlIbETnDVF4Df7l7njadHPDZB2aHMoBR9nS93-2B-2FrbnWmdM0cdfetMj3RGMa8Yk-2Fgyfj6ZKM2CqlUxqNZhbHVjZo1bFR4YvyxsTPc56A8ujeF0vzPIUM4yXtdY-2BtGKNvO-2F2momIcFB8TCK6k39zWYllF-2FQub6BRW64qF3OwcOA8Qi4U05aRe966x3Bpi5mkgpGuXH0X2CslH23bljSHOl2uOmwPSt23EvYS0CPbrX4YRtgLnEmHgYYbokWIuo5wjdIr3VkCFPni8ollM9GFO6AXsUeSwZAvhq6oZY-2FetynINJjWZRmZA3FqSomogDxHnQi04e6CHFKy-2BGOn5XT6stPkmBsFDgIMFmy1JaOMC6-2F6zNNGOii9obOCSUz236yIB4gCzgF-2BEE7DFN-2BzWJDOZETyK2c-2BdBr5QJMquOChmyoid171OpGSki94P-2Br-2FT5mkOXMUdSuXDA9B2zx9bfVlZsW1KYw6NBNiJ3c-2F9p-2FTFh6SVp-2Ferm15pDsGPoc-3D" universal="true">Track Your Order</a></td>
+                            </tr>
+                           </tbody>
+                          </table></td>
+                        </tr>
+                       </tbody>
+                      </table></td>
+                     <td class="em_side15" style="width:20px;" width="20"></td>
+                    </tr>
+                   </tbody>
+                  </table></td>
+                </tr>
+               </tbody>
+              </table></td>
+            </tr> <!----><!--Illustration 1-->
+            <tr>
+             <td align="center" class="em_full_img" valign="top"><a style="text-decoration:none;" target="_blank" href="https://tracksg.doordash.com/uni/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FBg5Q-2B-2F17CbuWT8XZi-2BuiX9NQvXQ9aE-2FeLMhxL9C-2FAEGC0g_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDU38dwgb-2BDbpbbf0hwXhFRygzsqDKLqVcMuBPdkhwo7LHk9TXfSbi-2B0mW4NvsDLo9Q6gWLaNP3J-2Fyzkvnw5dniDohab0lVqyyqLUGGGtDfKri8s0BPbLw2Kta64VgtBfCarELB9jSoY9mQzB-2FDOSk7-2FtMWjohoN3uf5f2rLrFhl33mtjWZ53lXvtDO4wQsmVDJSCEfVON02MQaDh-2BmTLPN5Vxq7DH8UlIbETnDVF4Df7l7njadHPDZB2aHMoBR9nS93-2B-2FrbnWmdM0cdfetMj3RGMa8Yk-2Fgyfj6ZKM2CqlUxqNZhbHVjZo1bFR4YvyxsTPc56A8ujeF0vzPIUM4yXtdY-2BtGKNvO-2F2momIcFB8TCK6k39zWYllF-2FQub6BRW64qF3OwcOA8Qi4U05aRe966x3Bpi5mkgpGuXH0X2CslH23bljSHOl2uOmwPSt23EvYS0CPbrX4YRtgLnEmHgYYbokWIuo5wjdIr3VkCFPni8ollM9GFO6AXsUeSwZAvhq6oZY-2FetynINJjWZRmZA3FqSomogDxHnQi04e6CHFKy-2BGOn5XT6stPkmBsFDgIMFmy1JaZrmPxM5tO3MVqwpeuZtxlipSYowDluqjEhtng6OZ1tiReEtrMZSXfyizE8Z-2BoYl-2FOhh2mVbKh8Ag8sj-2FY0Dr5fXcralZiuXdtrszdPSlbYpbbdCWJgW2Mvx4JTup-2Be7s2F323Q0hdUfWlDu1kXlV0-3D" universal="true"><img alt="" border="0" class="em_full_img" style="display:block; max-width:700px; font-family:Arial, sans-serif; font-size:22px; line-height:25px; color:#ffffff; font-weight:bold;" width="700" src="https://assets.doordash.team/m/2f9c7fde7cfed840/original/-template-OrderConfirmation-foodbag.png"></a></td>
+            </tr> <!--//Illustration 1--><!----><!-- //banner Section -->
+            <tr>
+             <td align="center" valign="top">
+              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+               <tbody>
+                <tr>
+                 <td style="width:6%;" width="6%"></td>
+                 <td align="center" valign="top">
+                  <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                   <tbody>
+                    <tr>
+                     <td align="center" class="em_rounded" style="border-top-left-radius: 40px; border-top-right-radius: 40px; background-color: #ffffff;" valign="top">
+                      <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                       <tbody>
+                        <tr>
+                         <td class="em_side15" style="width: 40px;" width="40"></td>
+                         <td align="center" valign="top">
+                          <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                           <tbody>
+                            <tr>
+                             <td class="em_h20" height="50" style="height:50px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                            <tr>
+                             <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:17px; line-height:24px;" valign="top">Paid with credits<br> Mad Mex</td>
+                            </tr>
+                            <tr>
+                             <td align="left" class="em_defaultlink em_bold" style="font-family:'TTNorms-Bold', Arial, sans-serif; color:#767676;font-size:17px; line-height:24px; font-weight:bold; color:#000000;" valign="top">Total: $14.64</td>
+                            </tr>
+                            <tr>
+                             <td class="em_h20" height="35" style="height:35px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                            <tr>
+                             <td align="left" class="em_defaultlink em_bold" style="font-family:'TTNorms-Bold', Arial, sans-serif; color:#000000;font-size:26px; line-height:36px; font-weight: bold;" valign="top">Your receipt</td>
+                            </tr>
+                            <tr>
+                             <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:21px;" valign="top">19 Lady Penrhyn Dr, Wyndham Vale VIC 3024, Australia</td>
+                            </tr>
+                            <tr>
+                             <td class="em_h20" height="45" style="height:45px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:17px; line-height:24px;" valign="top"><font size="2" color="#666666"><b>- For: Siddharth Bose -</b></font><br><br>
+                              <table width="100%" style="margin: auto; margin-bottom: 20px">
+                              <tbody>
+                              <tr style="text-align: left;">
+                              <td valign="top" width="10%" style="color: #666666; font-size: 18px; line-height: 24px">1x</td>
+                              <td valign="top" width="75%" style="color: #666666; font-size: 18px; line-height: 24px"><b>Burrito</b> (Mains)<br><font color="dimgrey">• Slow Cooked Beef (GF)</font><br><font color="dimgrey">• Fresh Guacamole (GF, VG)</font><br><font color="dimgrey">• Spicy Salsa</font><br><font color="dimgrey">• No Beans (GF,V)</font><br><br></td>
+                              <td valign="top" width="15%" style="color: #666666; font-size: 18px; line-height: 24px text-align: right">$22.10</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr>
+                            <tr>
+                             <td class="em_h20" height="22" style="height:22px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                           </tbody>
+                          </table></td>
+                         <td class="em_side15" style="width: 40px;" width="40"></td>
+                        </tr>
+                       </tbody>
+                      </table></td>
+                    </tr>
+                    <tr>
+                     <td align="center" bgcolor="#ffffff" class="em_pad1" valign="top">
+                      <table align="center" border="0" cellpadding="0" cellspacing="0" class="em_wrapper" style="width:530px;" width="530">
+                       <tbody>
+                        <tr>
+                         <td bgcolor="#e5e5e5" height="2" style="line-height:0px; font-size:0px; height: 2px;"><img alt="" border="0" height="1" style="display:block;" width="1" src="https://assets.doordash.team/m/1b5c04bd5b887a06/original/-05_May-90D_Resurrection_Campaign_Refresh_T2-spacer.gif"></td>
+                        </tr>
+                       </tbody>
+                      </table></td>
+                    </tr>
+                    <tr>
+                     <td align="center" style="background-color: #ffffff;" valign="top">
+                      <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                       <tbody>
+                        <tr>
+                         <td class="em_side15" style="width: 40px;" width="40"></td>
+                         <td align="center" valign="top">
+                          <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                           <tbody>
+                            <tr>
+                             <td class="em_h20" height="10" style="height:10px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr><!---->
+                              <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">Subtotal</td> <!---->
+                              <td align="right" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">$22.10</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr>
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr><!---->
+                              <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">Taxes</td> <!---->
+                              <td align="right" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">$0.00</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr> <!----><!---->
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">Delivery Fee</td>
+                              <td align="right" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">$0.00</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr>
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">Service Fee</td>
+                              <td align="right" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">$1.99</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr>
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">Tip</td>
+                              <td align="right" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">$0.00</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr> <!---->
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">Discounts</td>
+                              <td align="right" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">-$24.09</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr> <!---->
+                            <tr>
+                             <td class="em_h20" height="18" style="height:18px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                           </tbody>
+                          </table></td>
+                         <td class="em_side15" style="width: 40px;" width="40"></td>
+                        </tr>
+                       </tbody>
+                      </table></td>
+                    </tr>
+                    <tr>
+                     <td align="center" bgcolor="#ffffff" class="em_pad1" valign="top">
+                      <table align="center" border="0" cellpadding="0" cellspacing="0" class="em_wrapper" style="width:530px;" width="530">
+                       <tbody>
+                        <tr>
+                         <td bgcolor="#e5e5e5" height="2" style="line-height:0px; font-size:0px; height: 2px;"><img alt="" border="0" height="1" style="display:block;" width="1" src="https://assets.doordash.team/m/1b5c04bd5b887a06/original/-05_May-90D_Resurrection_Campaign_Refresh_T2-spacer.gif"></td>
+                        </tr>
+                       </tbody>
+                      </table></td>
+                    </tr>
+                    <tr>
+                     <td align="center" style="background-color: #ffffff;" valign="top">
+                      <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                       <tbody>
+                        <tr>
+                         <td class="em_side15" style="width: 40px;" width="40"></td>
+                         <td align="center" valign="top">
+                          <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                           <tbody>
+                            <tr>
+                             <td class="em_h20" height="12" style="height:12px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr><!---->
+                              <td align="left" class="em_defaultlink em_bold" style="font-family:'TTNorms-Bold', Arial, sans-serif; color:#000000;font-size:17px; line-height:24px; font-weight: bold;" valign="top">Total Charged</td> <!---->
+                              <td align="right" class="em_defaultlink em_bold" style="font-family:'TTNorms-Bold', Arial, sans-serif; color:#000000;font-size:17px; line-height:24px; font-weight: bold;" valign="top">$14.64</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr> <!----><!----><!----><!----><!----><!----><!----> <!---->
+                            <tr>
+                             <td class="em_h20" height="15" style="height:15px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                            <tr>
+                             <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#ff2f07;font-size:14px; line-height:21px; font-weight: bold;" valign="top"><a style="color:#ff2f07; text-decoration:none;" target="_blank" href="https://tracksg.doordash.com/uni/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FBg5Q-2B-2F17CbuWT8XZi-2BuiUYpjiz5uS6IJixGXj3UHbTD93pKefx1-2F0xnbLGDGm-2F-2BQiJu-2BjCmmrEKOYlPr7srvk-3DZM8O_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDU38dwgb-2BDbpbbf0hwXhFRygzsqDKLqVcMuBPdkhwo7LHk9TXfSbi-2B0mW4NvsDLo9Q6gWLaNP3J-2Fyzkvnw5dniDohab0lVqyyqLUGGGtDfKri8s0BPbLw2Kta64VgtBfCarELB9jSoY9mQzB-2FDOSk7-2FtMWjohoN3uf5f2rLrFhl33mtjWZ53lXvtDO4wQsmVDJSCEfVON02MQaDh-2BmTLPN5Vxq7DH8UlIbETnDVF4Df7l7njadHPDZB2aHMoBR9nS93-2B-2FrbnWmdM0cdfetMj3RGMa8Yk-2Fgyfj6ZKM2CqlUxqNZhbHVjZo1bFR4YvyxsTPc56A8ujeF0vzPIUM4yXtdY-2BtGKNvO-2F2momIcFB8TCK6k39zWYllF-2FQub6BRW64qF3OwcOA8Qi4U05aRe966x3Bpi5mkgpGuXH0X2CslH23bljSHOl2uOmwPSt23EvYS0CPbrX4YRtgLnEmHgYYbokWIuo5wjdIr3VkCFPni8ollM9GFO6AXsUeSwZAvhq6oZY-2FetynINJjWZRmZA3FqSomogDxHnQi04e6CHFKy-2BGOn5XT6stPkmBsFDgIMFmy1JaVyVX-2BN0rfrZb4gqsyh-2FPhwDCNS7-2Fr19T2GWsMfiRQ3UNw3buP-2FdHaE5XAo30Zx73XG0x2-2Bj9CkYTdbTkYtPKndOo8C-2Frr-2BJqyRFJZMfQUP1ZV-2F2Ey3WNBzbwVr6SxafeujsUnxXrbM6VJ3DMYac3E-3D" universal="true">Get Order Help</a></td>
+                            </tr> <!-- -->
+                            <tr>
+                             <td class="em_h20" height="58" style="height:58px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                           </tbody>
+                          </table> <!-- == //Body Section == --><!-- == Footer Section == --><!-- == //Footer Section == --></td>
+                         <td class="em_side15" style="width: 40px;" width="40"></td>
+                        </tr>
+                       </tbody>
+                      </table></td>
+                    </tr>
+                   </tbody>
+                  </table></td>
+                 <td style="width:6%;" width="6%"></td>
+                </tr>
+               </tbody>
+              </table></td>
+            </tr>
+            <tr>
+             <td align="center" valign="top"><!--[if (gte mso 9)|(IE)]>
+<table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:620px;">
+	<tr>
+		<td align="center">
+			<![endif]-->
+              <table align="center" border="0" cellpadding="0" cellspacing="0" id="Footer" role="presentation" style="mso-table-lspace: 0; mso-table-rspace: 0; width: 100%; max-width: 700px; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+               <tbody>
+                <tr>
+                 <td align="center" style="padding: 0 24px;">
+                  <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0; mso-table-rspace: 0; width:100%;max-width:572px; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                   <tbody>
+                    <tr>
+                     <td align="left" style="padding:0 0 48px 0;border-bottom: 1px solid #E7E7E7;"></td>
+                    </tr>
+                    <tr>
+                     <td align="left" style="color: #191919; padding: 32px 0 16px 0;"><p style="font-family:'TTNorms',system-ui,sans-serif;font-size:14px;line-height:18px;font-weight:400;margin:0;color:#9A9A9A;">©2026 <a style="color: #9A9A9A; text-decoration: none;">DoorDash Technologies Australia Pty Ltd <br>401 Collins St. <br>Melbourne, VIC 3000 Australia</a></p> <p style="font-family:'TTNorms',system-ui,sans-serif;font-size:14px;line-height:18px;font-weight:400;margin:0;color:#9A9A9A;"><a href="https://tracksg.doordash.com/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FDD8FcMNUAvAdfcDQmgdYCzx-2Br1lrYaof6JiBiFLOVfEOgDjXh7OOs7yReUnPIfAQpor-2FGsJy8J81hADh-2FLb3M-3Dcz1D_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDU38dwgb-2BDbpbbf0hwXhFRygzsqDKLqVcMuBPdkhwo7LHk9TXfSbi-2B0mW4NvsDLo9Q6gWLaNP3J-2Fyzkvnw5dniDohab0lVqyyqLUGGGtDfKri8s0BPbLw2Kta64VgtBfCarELB9jSoY9mQzB-2FDOSk7-2FtMWjohoN3uf5f2rLrFhl33mtjWZ53lXvtDO4wQsmVDJSCEfVON02MQaDh-2BmTLPN5Vxq7DH8UlIbETnDVF4Df7l7njadHPDZB2aHMoBR9nS93-2B-2FrbnWmdM0cdfetMj3RGMa8Yk-2Fgyfj6ZKM2CqlUxqNZhbHVjZo1bFR4YvyxsTPc56A8ujeF0vzPIUM4yXtdY-2BtGKNvO-2F2momIcFB8TCK6k39zWYllF-2FQub6BRW64qF3OwcOA8Qi4U05aRe966x3Bpi5mkgpGuXH0X2CslH23bljSHOl2uOmwPSt23EvYS0CPbrX4YRtgLnEmHgYYbokWIuo5wjdIr3VkCFPni8ollM9GFO6AXsUeSwZAvhq6oZY-2FetynINJjWZRmZA3FqSomogDxHnQi04e6CHFKy-2BGOn5XT6stPkmBsFDgIMFmy1JRYFdI4rWGqZbwcwPjA-2FfGSpVNEJe6-2BhKqFbWrIPgphG2UaqzMu-2FrPVVEEnOy-2F7K7l-2Fiy9DJuVosOT1N6tV6enGQ9g8qH2bVpDkJgmaqxnNTS4xf9s7LwM3H-2FEquZm-2By-2FmUkLGnDPlpUJFzu1om-2F4mY-3D" target="_blank" style="color: #9A9A9A; text-decoration: none;">Privacy Policy</a></p></td>
+                    </tr>
+                    <tr>
+                     <td align="left" style="color: #191919; padding: 0 0 24px 0;"><p style="font-family:'TTNorms',system-ui,sans-serif;font-size:14px;line-height:18px;font-weight:500;margin:0;color:#9A9A9A;"><a href="https://tracksg.doordash.com/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FDD8FcMNUAvAdfcDQmgdYC9Fbd7OtaSznXr4XXA8cVP-2BJHCjKWkCwgvETCnlfYzgA-3D-3D9VgN_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDU38dwgb-2BDbpbbf0hwXhFRygzsqDKLqVcMuBPdkhwo7LHk9TXfSbi-2B0mW4NvsDLo9Q6gWLaNP3J-2Fyzkvnw5dniDohab0lVqyyqLUGGGtDfKri8s0BPbLw2Kta64VgtBfCarELB9jSoY9mQzB-2FDOSk7-2FtMWjohoN3uf5f2rLrFhl33mtjWZ53lXvtDO4wQsmVDJSCEfVON02MQaDh-2BmTLPN5Vxq7DH8UlIbETnDVF4Df7l7njadHPDZB2aHMoBR9nS93-2B-2FrbnWmdM0cdfetMj3RGMa8Yk-2Fgyfj6ZKM2CqlUxqNZhbHVjZo1bFR4YvyxsTPc56A8ujeF0vzPIUM4yXtdY-2BtGKNvO-2F2momIcFB8TCK6k39zWYllF-2FQub6BRW64qF3OwcOA8Qi4U05aRe966x3Bpi5mkgpGuXH0X2CslH23bljSHOl2uOmwPSt23EvYS0CPbrX4YRtgLnEmHgYYbokWIuo5wjdIr3VkCFPni8ollM9GFO6AXsUeSwZAvhq6oZY-2FetynINJjWZRmZA3FqSomogDxHnQi04e6CHFKy-2BGOn5XT6stPkmBsFDgIMFmy1JePrOHq5c5aW6evBo1DEdQJNXu-2BX-2FLP1H7ZXkSsghQ0EUu5Q6HYBtkMij3hyHvfxKdfDvfPKun4porDdzU27HkbjUwffVpDDk5SZimtlGs-2B8re-2FwuFPMI9TFYPc8JMXjGAWJTpoqf-2BcFT1RgPBXiW4Y-3D" target="_blank" style="color:#9A9A9A;text-decoration:none;">Help Center</a></p></td>
+                    </tr>
+                   </tbody>
+                  </table></td>
+                </tr>
+               </tbody>
+              </table> <!--[if (gte mso 9)|(IE)]>
+		</td>
+	</tr>
+</table>
+<![endif]--></td>
+            </tr>
+            <tr>
+             <td class="em_hide" style="line-height:1px;min-width:700px;background-color:#f4f4f4;"><img alt="" border="0" height="1" style="max-height:1px; min-height:1px; display:block; width:700px; min-width:700px;" width="700" src="https://assets.doordash.team/m/1b5c04bd5b887a06/original/-05_May-90D_Resurrection_Campaign_Refresh_T2-spacer.gif"></td>
+            </tr>
+           </tbody>
+          </table></td>
+        </tr>
+       </tbody>
+      </table></td>
+    </tr>
+   </tbody>
+  </table>
+ <img src="https://tracksg.doordash.com/wf/open?upn=u001.EBL2ug8kstebd25Xirrl3olMckTI261ldPjJ39bNHcC7U6EKGAOA4dSVB97lcv3b8qsQRq6LwkHED6F3X4gqaODB2b1wZFk4or4JbrThItr6lxxhe0ghxdjbmj40V9NR2q6sVlDPfArvtaJbtCejz-2BJxmNDpj6cBZjf16jHN3-2B2-2FBNoONAVXEROMy-2FebOh-2BiIcflH-2B33fKp22eXYo6U8vHb6sK-2FhKm1eTZq8fP2ZliSW-2FDJ4KPJHZKnoxb-2FEyRvVNj8NRt3Z7VhrxSD83L-2BD-2Fg-2BYQJkcfBPsJzteuA7jtfPftcKLG1twN4g1gQQZHw9OGtsD1rLq9iXJ6ZzaVdWLEzmjDcZ7g3fTMixrMzH4oIIOEair3v0qOMD-2BV-2BHU7ncYtO-2FnD0bk1O9XI94PBy9e9JXZDgi2OxIT84h7X7b83MwQfHv6Y0eFjKVrvu0wzSlch7hpGzIv6v9RQGcCePKn-2BQ-2B85mf3KcKtUiyQ-2Bcvh-2BNe6ZHrHZAucV3pF0Fdo4Yn1-2Fie3uN1peu4VputGOf9gYSRqzfDIxJ-2BpD9KcAQghrRgZ08n7rFpdtIeHrI0J-2BsvQ0YqnprMwzKBgarmyWY4Ll6vo-2B-2FQLHQVXWlGWqomUtaBIY1wIPtH3sUn48aYCsuzz9tPifFXGPqgruVpD2mpi3C41MG8rFgUFQwfp4xV7SLCp8axKXY3t7WsYtRFw04WcnX-2FJMSRUrn8bq8PbEHq3Hjikf10MnkiyW7GobtuKhHdBL4F6ntalNVUHk3neSbhFBHGlJJQUA2Kfxt1bsI5eAQoX-2FRsU2BYtChgxaMUD53E-3D" alt="" width="1" height="1" border="0" style="height:1px !important;width:1px !important;border-width:0 !important;margin-top:0 !important;margin-bottom:0 !important;margin-right:0 !important;margin-left:0 !important;padding-top:0 !important;padding-bottom:0 !important;padding-right:0 !important;padding-left:0 !important;"/></body>
+</html>
@@ -0,0 +1,817 @@
+<!doctype html>
+<html lang="en" dir="ltr" xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office">
+ <head>
+  <meta charset="utf-8">
+  <meta http-equiv="X-UA-Compatible" content="IE=edge">
+  <meta name="viewport" content="width=device-width,initial-scale=1 user-scalable=yes">
+  <meta name="format-detection" content="telephone=no, date=no, address=no, email=no, url=no">
+  <meta name="x-apple-disable-message-reformatting">
+  <meta name="color-scheme" content="light dark">
+  <meta name="supported-color-schemes" content="light dark">
+  <title>DoorDash</title> <!-- WEB FONTS --> <!--[if !mso]>-->
+  <style type="text/css">
+      @font-face{font-family:'TTNorms';font-style:normal;font-weight:700;src:url('https://typography.doordash.com/TTNorms-Pro/TTNormsPro-Bold.woff2')format('woff2');}
+      @font-face{font-family:'TTNorms';font-style:normal;font-weight:600;src:url('https://typography.doordash.com/TTNorms-Pro/TTNormsPro-DemiBold.woff2')format('woff2');}
+      @font-face{font-family:'TTNorms';font-style:normal;font-weight:500;src:url('https://typography.doordash.com/TTNorms-Pro/TTNormsPro-Medium.woff2')format('woff2');}
+      @font-face{font-family:'TTNorms';font-style:normal;font-weight:450;src:url('https://typography.doordash.com/TTNorms-Pro/TTNormsPro-Normal.woff2')format('woff2');}
+      @font-face{font-family:'TTNorms';font-style:normal;font-weight:400;src:url('https://typography.doordash.com/TTNorms-Pro/TTNormsPro-Regular.woff2')format('woff2');}
+    </style> <!--<![endif]--> <!-- STYLE RESETS -->
+  <style type="text/css">a[href^="tel"],a[href^="sms"]{color:inherit;cursor:default;font-weight:inherit;text-decoration:none}body{-ms-text-size-adjust:100%;-webkit-font-smoothing:antialiased;-webkit-text-size-adjust:100%;mso-line-height-rule:exactly;}html,body{width:100%;margin:0;padding:0}img{border:0;display:block;height:auto;line-height:100%;outline:none;text-decoration:none}table{border:0 !important;padding:0 !important; border-collapse:collapse !important;mso-table-lspace:0pt;mso-table-rspace:0pt;}u + .body a{color:inherit;font-family:inherit;font-size:inherit;font-weight:inherit;line-height:inherit}u ~ img + div > div{display:none;}u + .body{width:100%;}.body a[x-apple-data-detectors=true]{color:inherit!important;text-decoration:inherit!important}span.MsoHyperlink{color:inherit !important;mso-style-priority:99 !important}span.MsoHyperlinkFollowed{color:inherit !important;mso-style-priority:99 !important}
+    </style> <!-- BACKGROUND COLORS -->
+  <style type="text/css">
+      body,#MainTable{background-color:#F4F4F4;}
+      #Basic000{background-color:#FEFFFF;}
+      #Sky200{background-color:#DDF4F4;}
+    </style> <!-- FONT STYLES -->
+  <style type="text/css">
+      h1,h2,h3,h4,h5,h6{font-family:'TTNorms',system-ui,sans-serif;font-weight:700;margin:0 0 8px 0;}
+      p,ol,ul{font-family:'TTNorms',system-ui,sans-serif;font-weight:450;margin:0 0 8px 0;}
+      ul,ol{padding:0 0 0 20px;}
+      li{font-weight:450;margin:0 0 8px 0;}
+      h1{font-size:50px;line-height:50px;letter-spacing:-0.03em;}
+      h2{font-size:40px;line-height:40px;letter-spacing:-0.02em;}
+      h3{font-size:32px;line-height:32px;letter-spacing:-0.02em;}
+      h4{font-size:24px;line-height:24px;letter-spacing:-0.01em;}
+      h5{font-size:20px;line-height:22px;letter-spacing:-0.01em;}
+      h6{font-size:16px;line-height:18px;}
+      p.p1{font-size:20px;line-height:26px;}
+      p.p2{font-size:16px;line-height:22px;}
+      p.p4{font-size:12px;line-height:14px;}
+      sup{font-size:11px;line-height:11px;}
+    </style> <!-- FONT COLORS -->
+  <style type="text/css">
+      #MainTable table td{color:#191919;}
+      #MainTable table td a{color:inherit;}
+      #MainTable table td p a{text-decoration:underline;}
+      .Red200{color:#EB1700 !important;}
+    </style> <!-- CTAs --> <!-- MOBILE STYLES -->
+  <style type="text/css">
+      @media only screen and (max-width:699px){
+        #MainTable > table {max-width:410px!important;}
+        .full{width:100%!important;height:auto!important;}
+        .pad0{padding-left:0!important;padding-right:0!important;}
+        .pad8{padding-left:8px!important;padding-right:8px!important;}
+        .pad24{padding-left:24px!important;padding-right:24px!important;}
+        .logo{padding-top:40px!important;padding-bottom:40px!important;}
+        h1{font-size:40px!important;line-height:40px!important;letter-spacing:-0.02em!important;}
+        h2{font-size:32px!important;line-height:32px!important;}
+        h3{font-size:24px!important;line-height:24px!important;letter-spacing:-0.01em!important;}
+      }
+    </style> <!-- DARK MODE STYLES -->
+  <style type="text/css">
+      @media (prefers-color-scheme:dark){
+        body,#MainTable,#Footer{background-color:#000000!important;background-image:linear-gradient(#000000,#000000)!important;}
+        table[id^="Basic"]{background-color:#191919!important;background-image:linear-gradient(#191919,#191919)!important;}
+        table[id^="Sky"],table[id^="Blue"]{background-color:#002629!important;background-image:linear-gradient(#002629,#002629)!important;}
+        #MainTable table td{color:#FFFFFF!important;}
+        #MainTable #Footer table td a{color:#FFFFFF!important;}
+        #MainTable .Red200{color:#FF3008!important;}
+        #MainTable .label span{color:#494949!important;background-color:#FEFFFF!important;}
+        #MainTable .grayCopy p{color:#A6A6A6!important;}
+      }
+    </style>
+  <style type="text/css">
+      :root{color-scheme:light dark;supported-color-schemes:light dark;}
+    </style> <!-- GMAIL APP DARK MODE FIX --> <!-- OUTLOOK SPECIFIC CSS --> <!--[if gte mso 9]>
+    <style type="text/css">
+      #MainTable td a{color:#191919;}
+      ol,ul{margin-left:20px !important;}
+      li{text-indent:-1em;}
+    </style>
+    <noscript>
+      <xml>
+        <o:OfficeDocumentSettings>
+          <o:PixelsPerInch>96</o:PixelsPerInch>
+        </o:OfficeDocumentSettings>
+      </xml>
+    </noscript>
+    <![endif]-->
+ </head>
+ <body class="body" style="width:100%;margin:0;padding:0;">
+  <span style="color:transparent;visibility:hidden;display:none;opacity:0;height:0;width:0;font-size:0;"></span>
+  <div role="article" aria-roledescription="email" aria-label="DoorDash Email" lang="en" dir="ltr" style="font-size:medium; font-size:max(16px, 1rem);">
+   <div style="display: none; max-height: 0px; overflow: hidden;">
+     ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏
+   </div>
+   <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+    <tbody>
+     <tr>
+      <td align="center" id="MainTable" style="background-color:#F4F4F4;">
+       <table align="center" border="0" cellpadding="0" cellspacing="0" class="full" id="Sky200" role="presentation" style="width:700px;">
+        <tbody>
+         <tr>
+          <td align="left" class="pad24" style="padding: 0 64px;">
+           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+            <tbody>
+             <tr>
+              <td align="left" class="logo" style="padding: 48px 0;"><a href="https://tracksg.doordash.com/uni/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FBg5Q-2B-2F17CbuWT8XZi-2BuiX9NQvXQ9aE-2FeLMhxL9C-2FAEerk2_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDdm5muv43mKBZj0FtslvRhwurT1HU7WzBFk0uKPD12dT8hiOQ5EDRx3fHM-2BeYkU4qHqDyPFxUwZuSfyRj0SIOTkg-2B18lVSaIyNV-2FYADATgkv5vXH4igP0Invu4xOPQBpgg16ckbsIS8IRV3mGaj1X5KhMT-2FuLlWkyJ0vYYtn7DRdGkRIV8GNdbKAWhFWQmTP4s1sfO-2BmfVk1PxO2rjtA0ZfcEcAKhCAzKFEEbQ9BWgK39Qvkt47rpQjykYZ9iiQAGWQLAjcs6P4DIPoAa8QmGrMb0TkMbrHUuWzG3I6o6QTpKFhzWbXT1TXbl0tj9rUZeGPY7Gxx-2FjDpfuEqSvOXz4YCMEoeSAPy7cIWp2wjaTin6ux0N-2Fsxe4v-2FsCd7o-2F1uCwW4EEDetpthuIuYYkeIXQlzypqy8rrJ5Czz-2F9QxvlX7Rurh5UPO-2FSnnEWnQNj-2Bby-2BmuZiFMapcD3VfIVucgG0YgY0q8krauzK38sC-2Bo3p3uvmDObIONy9moqGQopWgFpL5Oy8bXmdxo1-2FRjNsrDbsLgM1km0RQLa4WV7Y99oaIhdT35ahysXpZwozejK1qEgOqrm8WZjgms1TsVagTaVDuAieGpWb-2FQlcU9t3Vh8TCZEmOz2Loi3CvHDdReh6E5oaG4UkH-2BbB80dFEw5AwJF-2B0-3D" target="_blank" universal="true"><img alt="DoorDash" border="0" src="https://assets.doordash.team/m/5e68fa5cbbc50c32/original/DoorDash-Logo-Red100.png" style="color: #FF3008;font-family:'TTNorms',system-ui,sans-serif;font-weight:bold;font-size:18px;text-decoration:none;" width="50"></a></td>
+             </tr>
+             <tr>
+              <td align="left" class="pad0" style="padding:0 64px 0 0;"><h1 style="margin:0 0 16px 0;">There are adjustments to your order.</h1></td>
+             </tr>
+             <tr>
+              <td align="right" style="padding: 0 0 40px 0;"><img alt="" src="https://img.cdn4dd.com/s/convenience/images/adjustments_eml_grocery.png" width="380" style="width:100%;max-width:380px;"></td>
+             </tr>
+            </tbody>
+           </table></td>
+         </tr>
+         <tr>
+          <td align="left" class="pad8" style="padding: 0 40px 40px;">
+           <table align="left" border="0" cellpadding="0" cellspacing="0" id="Basic000" role="presentation" style="width:100%;border-radius:25px;">
+            <tbody>
+             <tr>
+              <td align="left" class="pad24" style="padding:40px 40px 0;">
+               <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                <tbody>
+                 <tr>
+                  <td align="left" style="padding:0 0 32px 0;">
+                   <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                    <tbody>
+                     <tr>
+                      <td align="left" style="padding:0 0 24px 0;"><!----> <p class="p2" style="margin:0 0 4px 0;">Paid with credits</p> <p class="p2" style="margin:0 0 4px 0;">ALDI</p> <p class="p2" style="margin:0 0 4px 0;"></p> <p class="p2"><strong>Total: $0.00</strong></p></td>
+                     </tr>
+                     <tr>
+                      <td align="left" style="padding:0 0 24px 0;border-bottom:1px solid #C4C4C4;"><h4>Your receipt</h4> <!----> <p class="p2" style="margin:0 0 4px 0;"></p> <!----> <p class="p2"><a href="" style="color:#191919;text-decoration:none;">19 Lady Penrhyn Dr, Wyndham Vale VIC 3024, Australia</a></p></td>
+                     </tr>
+                    </tbody>
+                   </table></td>
+                 </tr>
+                </tbody>
+               </table> <!---->
+               <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                <tbody>
+                 <tr>
+                  <td align="left" style="padding:0 0 16px 0;">
+                   <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                    <tbody>
+                     <tr>
+                      <td align="left"><h4>Items that were adjusted</h4></td>
+                     </tr>
+                     <tr>
+                      <td align="left"><!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" class="label" style="padding: 0 0 8px 0;"><!--    --> <!--  --> <!--  --> <!--  --> <!--  --> <!--  --> <!--  --> <span style="font-family:'TTNorms',system-ui,sans-serif;font-size:12px;line-height:18px;color:#FEFFFF;background-color:#494949;display:inline-block;padding:1px 4px;border-radius:4px;font-weight:700;white-space:nowrap;">Out of Stock</span></td>
+                             </tr> <!--  --> <!--  -->
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class="grayCopy"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:#767676;"><strong>5x</strong> Coca-Cola Coke Zero Sugar Soft Drink (1.5 L)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: line-through; margin: 0 0 4px 0;color:#767676;white-space:nowrap;">&nbsp;$16.45&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" class="label" style="padding: 0 0 8px 0;"><!--  --> <!--  --> <!--    --> <!--  --> <!--  --> <!--  --> <!--  --> <span style="font-family:'TTNorms',system-ui,sans-serif;font-size:12px;line-height:18px;color:#FEFFFF;background-color:#494949;display:inline-block;padding:1px 4px;border-radius:4px;font-weight:700;white-space:nowrap;">Substituted</span></td>
+                             </tr> <!--  --> <!--  --> <!--  -->
+                             <tr>
+                              <td align="left"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" style="padding: 0 0 12px 0;">
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class="grayCopy"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color: #767676;"><strong>2x</strong> Specially Selected Beef Wagyu Burger (150 g)</p></td>
+                              <td align="right" valign="top" class="grayCopy" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: line-through; margin: 0 0 4px 0;color: #767676;white-space:nowrap;">&nbsp;$8.58&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                              </tr>
+                              <tr>
+                              <td align="left" style="color: #191919;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; margin: 0 0 8px 0; font-size: 16px; line-height: 20px; font-weight: 700;">Substituted with:</p></td>
+                              </tr>
+                              <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" style="color: #191919;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;"><strong>1x</strong> Ready, Set...Cook! Wagyu Beef Burgers (400 g)</p></td>
+                              <td align="right" valign="top" style="color: #191919; padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;white-space:nowrap;">$9.39</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: none;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" class="label" style="padding: 0 0 8px 0;"><!--  --> <!--  --> <!--    --> <!--  --> <!--  --> <!--  --> <!--  --> <span style="font-family:'TTNorms',system-ui,sans-serif;font-size:12px;line-height:18px;color:#FEFFFF;background-color:#494949;display:inline-block;padding:1px 4px;border-radius:4px;font-weight:700;white-space:nowrap;">Substituted</span></td>
+                             </tr> <!--  --> <!--  --> <!--  -->
+                             <tr>
+                              <td align="left"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" style="padding: 0 0 12px 0;">
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class="grayCopy"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color: #767676;"><strong>1x</strong> Bon Appetit Sliced Brioche Burger Buns with Sesame Seeds (200 g)</p></td>
+                              <td align="right" valign="top" class="grayCopy" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: line-through; margin: 0 0 4px 0;color: #767676;white-space:nowrap;">&nbsp;$3.89&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                              </tr>
+                              <tr>
+                              <td align="left" style="color: #191919;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; margin: 0 0 8px 0; font-size: 16px; line-height: 20px; font-weight: 700;">Substituted with:</p></td>
+                              </tr>
+                              <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" style="color: #191919;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;"><strong>1x</strong> Bon Appetit Sliced Brioche Burger Buns (200 g)</p></td>
+                              <td align="right" valign="top" style="color: #191919; padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;white-space:nowrap;">$3.89</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----></td>
+                     </tr>
+                    </tbody>
+                   </table></td>
+                 </tr>
+                </tbody>
+               </table> <!----> <!---->
+               <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                <tbody>
+                 <tr>
+                  <td align="left" style="padding:0 0 32px 0;">
+                   <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                    <tbody>
+                     <tr>
+                      <td align="left"><h4>Items you ordered</h4></td>
+                     </tr>
+                     <tr>
+                      <td align="left" style="padding:0 0 16px 0;border-bottom:1px solid #C4C4C4;"><!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Ironbark Pork Belly Pack</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$24.21&nbsp;</p></td>
+                              </tr> <!--  -->
+                              <tr>
+                              <td colspan="2" align="left" class="grayCopy"><p class="para-md" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 14px; line-height: 18px; margin: 0 0 4px 0;color: #767676;">$18.99/kg • Purchased 1.275 kg</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Green Capsicum Loose (each) (each)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$1.54&nbsp;</p></td>
+                              </tr> <!--  -->
+                              <tr>
+                              <td colspan="2" align="left" class="grayCopy"><p class="para-md" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 14px; line-height: 18px; margin: 0 0 4px 0;color: #767676;">$5.99/kg • Purchased 0.257 kg</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>2x</strong> Broccoli Loose (each)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$3.08&nbsp;</p></td>
+                              </tr> <!--  -->
+                              <tr>
+                              <td colspan="2" align="left" class="grayCopy"><p class="para-md" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 14px; line-height: 18px; margin: 0 0 4px 0;color: #767676;">$4.49/kg • Purchased 0.685 kg</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Ginger Loose (each)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$4.47&nbsp;</p></td>
+                              </tr> <!--  -->
+                              <tr>
+                              <td colspan="2" align="left" class="grayCopy"><p class="para-md" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 14px; line-height: 18px; margin: 0 0 4px 0;color: #767676;">$29.99/kg • Purchased 0.149 kg</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Berg Streaky Bacon (200 g)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$4.69&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Emporium Selection Burrata (150 g)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$7.09&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Anco Soft Anco Soft Fabric Softener Concentrate - Cashmere Touch (1 L)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$3.99&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Pure Vita Canola Oil (2 L)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$6.49&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> The Herb Garden Jalapeno Chillies (80 g)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$3.49&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Farmdale Thickened Cream (300 ml)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$3.69&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Mandarins (1 kg)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$3.49&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Sweet Valley Fruit Salad in Syrup (825 g)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$3.89&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>3x</strong> Hass Avocado</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$5.37&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Spring Onion Bunch</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$2.69&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: none;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> The Herb Garden Coriander Bunch</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$2.99&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----></td>
+                     </tr>
+                    </tbody>
+                   </table></td>
+                 </tr>
+                </tbody>
+               </table> <!---->
+               <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                <tbody>
+                 <tr>
+                  <td align="left" style="padding:0 0 32px 0;">
+                   <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                    <tbody>
+                     <tr>
+                      <td align="left" style="padding:0 0 24px 0;border-bottom:1px solid #C4C4C4;">
+                       <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                        <tbody>
+                         <tr>
+                          <td align="left"><p class="p2">Subtotal</p></td>
+                          <td align="right" valign="bottom"><p class="p2">$94.45</p></td>
+                         </tr> <!----> <!---->
+                         <tr>
+                          <td align="left"><p class="p2">Bag Fee</p></td>
+                          <td align="right" valign="top"><p class="p2">$0.75</p></td>
+                         </tr> <!----> <!----> <!---->
+                         <tr>
+                          <td align="left"><p class="p2">Tax</p></td>
+                          <td align="right" valign="top"><p class="p2">$0.00</p></td>
+                         </tr> <!----> <!----> <!---->
+                         <tr>
+                          <td align="left"><p class="p2">Delivery fee</p></td>
+                          <td align="right" valign="top"><p class="p2">$0.00</p></td>
+                         </tr> <!----> <!---->
+                         <tr>
+                          <td align="left"><p class="p2">Service&nbsp;fee</p></td>
+                          <td align="right" valign="top"><p class="p2">$8.95</p></td>
+                         </tr> <!----> <!---->
+                         <tr>
+                          <td align="left"><p class="p2">Dasher&nbsp;tip</p></td>
+                          <td align="right" valign="top"><p class="p2">$0.00</p></td>
+                         </tr> <!----> <!---->
+                         <tr>
+                          <td align="left"><p class="p2">Discount</p></td>
+                          <td align="right" valign="top"><p class="p2">-$25.00</p></td>
+                         </tr> <!----> <!----> <!----> <!---->
+                        </tbody>
+                       </table></td>
+                     </tr>
+                    </tbody>
+                   </table></td>
+                 </tr>
+                </tbody>
+               </table>
+               <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                <tbody>
+                 <tr>
+                  <td align="left">
+                   <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                    <tbody>
+                     <tr>
+                      <td align="left"><p class="p1" style="font-weight:700;">Final total charged</p></td>
+                      <td align="right" valign="bottom"><p class="p1" style="font-weight:700;">$0.00</p></td>
+                     </tr>
+                    </tbody>
+                   </table></td>
+                 </tr>
+                 <tr>
+                  <td align="left" style="padding:16px 0 24px 0;">
+                   <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                    <tbody>
+                     <tr>
+                      <td align="left"><!----> <!----> <!----> <p class="p4" style="margin:0 0 16px;font-weight:400;">This email confirms revisions made to your original DoorDash order and reflects the final amount charged. The new total cost of your order is above and includes all taxes and fees. Payment processing adjustments to the original charge may take up to 5-7 business days to process.</p> <!----> <p class="p2" style="margin:0 0 16px;"><a class="Red200" href="https://tracksg.doordash.com/uni/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FBg5Q-2B-2F17CbuWT8XZi-2BuiUYUIJyXMOWcKUkQoS6w1cidTUBltD9gsdDsG54KhCqi0TpTxXlRftLSD-2F0zchmY726xMeqb-2BYjhquRL7EwEUa-2B-C1a_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDdm5muv43mKBZj0FtslvRhwurT1HU7WzBFk0uKPD12dT8hiOQ5EDRx3fHM-2BeYkU4qHqDyPFxUwZuSfyRj0SIOTkg-2B18lVSaIyNV-2FYADATgkv5vXH4igP0Invu4xOPQBpgg16ckbsIS8IRV3mGaj1X5KhMT-2FuLlWkyJ0vYYtn7DRdGkRIV8GNdbKAWhFWQmTP4s1sfO-2BmfVk1PxO2rjtA0ZfcEcAKhCAzKFEEbQ9BWgK39Qvkt47rpQjykYZ9iiQAGWQLAjcs6P4DIPoAa8QmGrMb0TkMbrHUuWzG3I6o6QTpKFhzWbXT1TXbl0tj9rUZeGPY7Gxx-2FjDpfuEqSvOXz4YCMEoeSAPy7cIWp2wjaTin6ux0N-2Fsxe4v-2FsCd7o-2F1uCwW4EEDetpthuIuYYkeIXQlzypqy8rrJ5Czz-2F9QxvlX7Rurh5UPO-2FSnnEWnQNj-2Bby-2BmuZiFMapcD3VfIVucgG0YgY0q8krauzK38sC-2Bo3p3uvmDObIONy9moqGQopWgFpL5Oy8bXmdxo1-2FRjNsrDbsIzcz91FpNoAfjDMq4Z1wpXHGTMPHfVoKcReXA-2FJ6jaKo-2B6xGAG-2Bp5h6Him0z2xNQVc2hNO8YatcJsnFfudME5OtlTe61-2Bq439PkYJf0JqaFj1iwRjZNlhThyTmY7ccTBU-3D" target="_blank" style="font-weight:700;text-decoration:none;" universal="true">Get Order Help</a></p></td>
+                     </tr>
+                    </tbody>
+                   </table></td>
+                 </tr>
+                </tbody>
+               </table></td>
+             </tr>
+            </tbody>
+           </table></td>
+         </tr>
+        </tbody>
+       </table>
+       <table align="center" border="0" cellpadding="0" cellspacing="0" class="full" id="Footer" role="presentation" style="width:700px;">
+        <tbody>
+         <tr>
+          <td valign="top" align="center" style="padding:0 0 24px 0;"><!--[if (gte mso 9)|(IE)]>
+<table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:620px;">
+	<tr>
+		<td align="center">
+			<![endif]-->
+           <table align="center" border="0" cellpadding="0" cellspacing="0" id="Footer" role="presentation" style="mso-table-lspace: 0; mso-table-rspace: 0; width: 100%; max-width: 700px; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+            <tbody>
+             <tr>
+              <td align="center" style="padding: 0 24px;">
+               <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0; mso-table-rspace: 0; width:100%;max-width:572px; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                <tbody>
+                 <tr>
+                  <td align="left" style="padding:0 0 48px 0;border-bottom: 1px solid #E7E7E7;"></td>
+                 </tr>
+                 <tr>
+                  <td align="left" style="color: #191919; padding: 32px 0 16px 0;"><p style="font-family:'TTNorms',system-ui,sans-serif;font-size:14px;line-height:18px;font-weight:400;margin:0;color:#9A9A9A;">©2026 <a style="color: #9A9A9A; text-decoration: none;">DoorDash Technologies Australia Pty Ltd <br>401 Collins St. <br>Melbourne, VIC 3000 Australia</a></p> <p style="font-family:'TTNorms',system-ui,sans-serif;font-size:14px;line-height:18px;font-weight:400;margin:0;color:#9A9A9A;"><a href="https://tracksg.doordash.com/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FDD8FcMNUAvAdfcDQmgdYAqF1KGCKTTTznL6MvOfulOsmFa2kqsuG7LjgY0AllZKBKWegcAPOx5sr25l15pnWbLZL6VnVCDFc3hEnP4sDnrjJH9_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDdm5muv43mKBZj0FtslvRhwurT1HU7WzBFk0uKPD12dT8hiOQ5EDRx3fHM-2BeYkU4qHqDyPFxUwZuSfyRj0SIOTkg-2B18lVSaIyNV-2FYADATgkv5vXH4igP0Invu4xOPQBpgg16ckbsIS8IRV3mGaj1X5KhMT-2FuLlWkyJ0vYYtn7DRdGkRIV8GNdbKAWhFWQmTP4s1sfO-2BmfVk1PxO2rjtA0ZfcEcAKhCAzKFEEbQ9BWgK39Qvkt47rpQjykYZ9iiQAGWQLAjcs6P4DIPoAa8QmGrMb0TkMbrHUuWzG3I6o6QTpKFhzWbXT1TXbl0tj9rUZeGPY7Gxx-2FjDpfuEqSvOXz4YCMEoeSAPy7cIWp2wjaTin6ux0N-2Fsxe4v-2FsCd7o-2F1uCwW4EEDetpthuIuYYkeIXQlzypqy8rrJ5Czz-2F9QxvlX7Rurh5UPO-2FSnnEWnQNj-2Bby-2BmuZiFMapcD3VfIVucgG0YgY0q8krauzK38sC-2Bo3p3uvmDObIONy9moqGQopWgFpL5Oy8bXmdxo1-2FRjNsrDbsIjwoUCSEKvO5n-2Bj16PIPm9vylVUKXBAg-2Fy62EoW7wAeLOkv7ljadn2lJdO1Z8YyTZVsg50XPfub07LBUsUSDmpWsvorrlalMazpGr6pIsnVp6l5lDVPbZ82aaASmCqGBc-3D" target="_blank" style="color: #9A9A9A; text-decoration: none;">Privacy Policy</a></p></td>
+                 </tr>
+                 <tr>
+                  <td align="left" style="color: #191919; padding: 0 0 24px 0;"><p style="font-family:'TTNorms',system-ui,sans-serif;font-size:14px;line-height:18px;font-weight:500;margin:0;color:#9A9A9A;"><a href="https://tracksg.doordash.com/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FDD8FcMNUAvAdfcDQmgdYABnncKv1afIihr5Gt6bkMj2LIo_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDdm5muv43mKBZj0FtslvRhwurT1HU7WzBFk0uKPD12dT8hiOQ5EDRx3fHM-2BeYkU4qHqDyPFxUwZuSfyRj0SIOTkg-2B18lVSaIyNV-2FYADATgkv5vXH4igP0Invu4xOPQBpgg16ckbsIS8IRV3mGaj1X5KhMT-2FuLlWkyJ0vYYtn7DRdGkRIV8GNdbKAWhFWQmTP4s1sfO-2BmfVk1PxO2rjtA0ZfcEcAKhCAzKFEEbQ9BWgK39Qvkt47rpQjykYZ9iiQAGWQLAjcs6P4DIPoAa8QmGrMb0TkMbrHUuWzG3I6o6QTpKFhzWbXT1TXbl0tj9rUZeGPY7Gxx-2FjDpfuEqSvOXz4YCMEoeSAPy7cIWp2wjaTin6ux0N-2Fsxe4v-2FsCd7o-2F1uCwW4EEDetpthuIuYYkeIXQlzypqy8rrJ5Czz-2F9QxvlX7Rurh5UPO-2FSnnEWnQNj-2Bby-2BmuZiFMapcD3VfIVucgG0YgY0q8krauzK38sC-2Bo3p3uvmDObIONy9moqGQopWgFpL5Oy8bXmdxo1-2FRjNsrDbsIrFQJW5Yztgt2Jh362zEdlWVE33xdgG5SV98hQgmujo0E4JvhCRaOchZGxbbbqba5s49iSoOH1uA1snY7iHXvSUNUHWVknLjLn6FaOweBoSS4nrQXEl0UQpbIiLKqwLeM-3D" target="_blank" style="color:#9A9A9A;text-decoration:none;">Help Center</a></p></td>
+                 </tr>
+                </tbody>
+               </table></td>
+             </tr>
+            </tbody>
+           </table> <!--[if (gte mso 9)|(IE)]>
+		</td>
+	</tr>
+</table>
+<![endif]--></td>
+         </tr>
+        </tbody>
+       </table></td>
+     </tr>
+    </tbody>
+   </table>
+  </div>
+ <img src="https://tracksg.doordash.com/wf/open?upn=u001.EBL2ug8kstebd25Xirrl3olMckTI261ldPjJ39bNHcC7U6EKGAOA4dSVB97lcv3b8qsQRq6LwkHED6F3X4gqaFe59-2BHz9QfrDL7jp-2BN3jX4WgiXvlTBIakpalIO3JdserrDEfSsXb7VYNi8XmPfj32D9Xcsg-2BKnH54BOn83XeKSYsMOiCB2O7NlyiRLKTOp-2FBccW4vEHOV-2FHaLf-2FAjylTtey6rU4sqCD635svGzB8KNIeJlLUHQHFm36Lriv1GKTHI0TRmME0InLq-2F8D2jWE2PvL5vl2AuTCSyofMbb8v6F0-2Fp2tKFfRS7SLHGABa-2BiIEO0Cj-2B51-2BCj8vI17Ej73lSLlLpOQjZQ5w6Xjpy94GXTJoyFOgOCkMe1dYoozgKu053kwmU-2FQgzvTvZvWljLEAh8AKZgpttD0qf9fwmzT-2FfbmEACAx1lYnUbMQSEnKVrq-2BN93H5GudoxrcNAH5xj7CeRBdn-2B-2Fm2uq78KkVh9j7d2poYBFM-2F0phg4yfzMJ8HenyMNPoDsxTYF2uwr9FPYHeHB92FdN-2FyMNtbhWu3f2Bj2Jp32hssVlE8ypjMbIy3F8Z4K8hxnzYgtXhQn9f7NJRAIR6ZxzgEYOW9gIQ1FDvzuTPT-2BOgXirIYJd7VNW1ls-2F33I09NUJXDzuQt6FpCbkzrw5rMFL9uAjGdsCzWAwAdtI0Vpj9QHVbFrQ7V0Km2o1xng4pDAf2zzOoVcOfy6Llv7NL5VR958SiCNPk-2FivSDJKGbqADXQIiUAHJEWxjJh9" alt="" width="1" height="1" border="0" style="height:1px !important;width:1px !important;border-width:0 !important;margin-top:0 !important;margin-bottom:0 !important;margin-right:0 !important;margin-left:0 !important;padding-top:0 !important;padding-bottom:0 !important;padding-right:0 !important;padding-left:0 !important;"/></body>
+</html>
@@ -0,0 +1,592 @@
+<!doctype html>
+<html lang="en" dir="ltr" xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office">
+ <head>
+  <meta charset="utf-8">
+  <meta http-equiv="X-UA-Compatible" content="IE=edge">
+  <meta name="viewport" content="width=device-width,initial-scale=1 user-scalable=yes">
+  <meta name="format-detection" content="telephone=no, date=no, address=no, email=no, url=no">
+  <meta name="x-apple-disable-message-reformatting">
+  <meta name="color-scheme" content="light dark">
+  <meta name="supported-color-schemes" content="light dark">
+  <title>DoorDash</title> <!-- WEB FONTS --> <!--[if !mso]>-->
+  <style type="text/css">
+      @font-face{font-family:'TTNorms';font-style:normal;font-weight:700;src:url('https://typography.doordash.com/TTNorms-Pro/TTNormsPro-Bold.woff2')format('woff2');}
+      @font-face{font-family:'TTNorms';font-style:normal;font-weight:600;src:url('https://typography.doordash.com/TTNorms-Pro/TTNormsPro-DemiBold.woff2')format('woff2');}
+      @font-face{font-family:'TTNorms';font-style:normal;font-weight:500;src:url('https://typography.doordash.com/TTNorms-Pro/TTNormsPro-Medium.woff2')format('woff2');}
+      @font-face{font-family:'TTNorms';font-style:normal;font-weight:450;src:url('https://typography.doordash.com/TTNorms-Pro/TTNormsPro-Normal.woff2')format('woff2');}
+      @font-face{font-family:'TTNorms';font-style:normal;font-weight:400;src:url('https://typography.doordash.com/TTNorms-Pro/TTNormsPro-Regular.woff2')format('woff2');}
+    </style> <!--<![endif]--> <!-- STYLE RESETS -->
+  <style type="text/css">a[href^="tel"],a[href^="sms"]{color:inherit;cursor:default;font-weight:inherit;text-decoration:none}body{-ms-text-size-adjust:100%;-webkit-font-smoothing:antialiased;-webkit-text-size-adjust:100%;mso-line-height-rule:exactly;}html,body{width:100%;margin:0;padding:0}img{border:0;display:block;height:auto;line-height:100%;outline:none;text-decoration:none}table{border:0 !important;padding:0 !important; border-collapse:collapse !important;mso-table-lspace:0pt;mso-table-rspace:0pt;}u + .body a{color:inherit;font-family:inherit;font-size:inherit;font-weight:inherit;line-height:inherit}u ~ img + div > div{display:none;}u + .body{width:100%;}.body a[x-apple-data-detectors=true]{color:inherit!important;text-decoration:inherit!important}span.MsoHyperlink{color:inherit !important;mso-style-priority:99 !important}span.MsoHyperlinkFollowed{color:inherit !important;mso-style-priority:99 !important}
+    </style> <!-- BACKGROUND COLORS -->
+  <style type="text/css">
+      body,#MainTable{background-color:#F4F4F4;}
+      #Basic000{background-color:#FEFFFF;}
+      #Sky200{background-color:#DDF4F4;}
+    </style> <!-- FONT STYLES -->
+  <style type="text/css">
+      h1,h2,h3,h4,h5,h6{font-family:'TTNorms',system-ui,sans-serif;font-weight:700;margin:0 0 8px 0;}
+      p,ol,ul{font-family:'TTNorms',system-ui,sans-serif;font-weight:450;margin:0 0 8px 0;}
+      ul,ol{padding:0 0 0 20px;}
+      li{font-weight:450;margin:0 0 8px 0;}
+      h1{font-size:50px;line-height:50px;letter-spacing:-0.03em;}
+      h2{font-size:40px;line-height:40px;letter-spacing:-0.02em;}
+      h3{font-size:32px;line-height:32px;letter-spacing:-0.02em;}
+      h4{font-size:24px;line-height:24px;letter-spacing:-0.01em;}
+      h5{font-size:20px;line-height:22px;letter-spacing:-0.01em;}
+      h6{font-size:16px;line-height:18px;}
+      p.p1{font-size:20px;line-height:26px;}
+      p.p2{font-size:16px;line-height:22px;}
+      p.p4{font-size:12px;line-height:14px;}
+      sup{font-size:11px;line-height:11px;}
+    </style> <!-- FONT COLORS -->
+  <style type="text/css">
+      #MainTable table td{color:#191919;}
+      #MainTable table td a{color:inherit;}
+      #MainTable table td p a{text-decoration:underline;}
+      .Red200{color:#EB1700 !important;}
+    </style> <!-- CTAs --> <!-- MOBILE STYLES -->
+  <style type="text/css">
+      @media only screen and (max-width:699px){
+        #MainTable > table {max-width:410px!important;}
+        .full{width:100%!important;height:auto!important;}
+        .pad0{padding-left:0!important;padding-right:0!important;}
+        .pad8{padding-left:8px!important;padding-right:8px!important;}
+        .pad24{padding-left:24px!important;padding-right:24px!important;}
+        .logo{padding-top:40px!important;padding-bottom:40px!important;}
+        h1{font-size:40px!important;line-height:40px!important;letter-spacing:-0.02em!important;}
+        h2{font-size:32px!important;line-height:32px!important;}
+        h3{font-size:24px!important;line-height:24px!important;letter-spacing:-0.01em!important;}
+      }
+    </style> <!-- DARK MODE STYLES -->
+  <style type="text/css">
+      @media (prefers-color-scheme:dark){
+        body,#MainTable,#Footer{background-color:#000000!important;background-image:linear-gradient(#000000,#000000)!important;}
+        table[id^="Basic"]{background-color:#191919!important;background-image:linear-gradient(#191919,#191919)!important;}
+        table[id^="Sky"],table[id^="Blue"]{background-color:#002629!important;background-image:linear-gradient(#002629,#002629)!important;}
+        #MainTable table td{color:#FFFFFF!important;}
+        #MainTable #Footer table td a{color:#FFFFFF!important;}
+        #MainTable .Red200{color:#FF3008!important;}
+        #MainTable .label span{color:#494949!important;background-color:#FEFFFF!important;}
+        #MainTable .grayCopy p{color:#A6A6A6!important;}
+      }
+    </style>
+  <style type="text/css">
+      :root{color-scheme:light dark;supported-color-schemes:light dark;}
+    </style> <!-- GMAIL APP DARK MODE FIX --> <!-- OUTLOOK SPECIFIC CSS --> <!--[if gte mso 9]>
+    <style type="text/css">
+      #MainTable td a{color:#191919;}
+      ol,ul{margin-left:20px !important;}
+      li{text-indent:-1em;}
+    </style>
+    <noscript>
+      <xml>
+        <o:OfficeDocumentSettings>
+          <o:PixelsPerInch>96</o:PixelsPerInch>
+        </o:OfficeDocumentSettings>
+      </xml>
+    </noscript>
+    <![endif]-->
+ </head>
+ <body class="body" style="width:100%;margin:0;padding:0;">
+  <span style="color:transparent;visibility:hidden;display:none;opacity:0;height:0;width:0;font-size:0;"></span>
+  <div role="article" aria-roledescription="email" aria-label="DoorDash Email" lang="en" dir="ltr" style="font-size:medium; font-size:max(16px, 1rem);">
+   <div style="display: none; max-height: 0px; overflow: hidden;">
+     ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏
+   </div>
+   <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+    <tbody>
+     <tr>
+      <td align="center" id="MainTable" style="background-color:#F4F4F4;">
+       <table align="center" border="0" cellpadding="0" cellspacing="0" class="full" id="Sky200" role="presentation" style="width:700px;">
+        <tbody>
+         <tr>
+          <td align="left" class="pad24" style="padding: 0 64px;">
+           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+            <tbody>
+             <tr>
+              <td align="left" class="logo" style="padding: 48px 0;"><a href="https://tracksg.doordash.com/uni/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FBg5Q-2B-2F17CbuWT8XZi-2BuiX9NQvXQ9aE-2FeLMhxL9C-2FAEa1Qb_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDdm5muv43mKBZj0FtslvRhwurT1HU7WzBFk0uKPD12dTef2rlCVIu36es-2FxRXYDPOLHXG7qitIbeuwICQOtiAiJyF0XW5mYCg4EenXQa5FiPOrlqnzXCXafNC5mlJGvxOlPnGz4KG6-2FibY4F4HrGTkxRoVpyf9CEBWQB3h4B6-2F1vV34umJj7-2FLlLpcjkRso-2FZrw9zD-2FDCCnEzAJ9b7RCYUIm4jyKucNAH6Fj2kRAnALL6-2FL0QY3vFFztXGwYqrzLSreyQBjHZ9aQwUSam7UJYCAaq48Y50TUgS9EuM1bSw4Twf5p6fp3H4FoRGPMueME-2FSTdpWyR6zn70BPVqAFezHiorOMilHHsOq6nk1-2FqORI-2F0veiu3RW2zrCwnVrabBGigtiGnhurr7p9nOs1AjdyZa-2Fy5Uh8bX3CPB4wzCMXE7O-2FOmAxPQkFoB0-2BgXl8YJlxRNDOaueR-2BgqPA2uYZxr4-2BQtI4L0YynseA3NMscHGJNGN88RJHrH4CqPbPBkbpXelO-2Ftz4qkPn2adhNtmCgMrl4mfF5lxevUpoJQJ7UmMxollJfoLEGLjLhrl7sdZrHH5YHZ8O6My471AKWPRD9-2Fi1Gj5kDczANohQUl0hqEmYQa58AnEUM4SbTghHAzOx2-2FdIewmuvSy5w0lyALMIuqj5OPNSb0LQsZWNIEFVG8SDXp" target="_blank" universal="true"><img alt="DoorDash" border="0" src="https://assets.doordash.team/m/5e68fa5cbbc50c32/original/DoorDash-Logo-Red100.png" style="color: #FF3008;font-family:'TTNorms',system-ui,sans-serif;font-weight:bold;font-size:18px;text-decoration:none;" width="50"></a></td>
+             </tr>
+             <tr>
+              <td align="left" class="pad0" style="padding:0 64px 0 0;"><h1 style="margin:0 0 16px 0;">Final receipt.</h1></td>
+             </tr>
+             <tr>
+              <td align="right" style="padding: 0 0 40px 0;"><img alt="" src="https://img.cdn4dd.com/s/convenience/images/adjustments_eml_grocery.png" width="380" style="width:100%;max-width:380px;"></td>
+             </tr>
+            </tbody>
+           </table></td>
+         </tr>
+         <tr>
+          <td align="left" class="pad8" style="padding: 0 40px 40px;">
+           <table align="left" border="0" cellpadding="0" cellspacing="0" id="Basic000" role="presentation" style="width:100%;border-radius:25px;">
+            <tbody>
+             <tr>
+              <td align="left" class="pad24" style="padding:40px 40px 0;">
+               <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                <tbody>
+                 <tr>
+                  <td align="left" style="padding:0 0 32px 0;">
+                   <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                    <tbody>
+                     <tr>
+                      <td align="left" style="padding:0 0 24px 0;"><!--
+                                    
+                                    --> <p class="p2" style="margin:0 0 4px 0;">Paid with MasterCard Ending in 8032&nbsp;and/or&nbsp;credits</p> <p class="p2" style="margin:0 0 4px 0;">Woolworths</p> <p class="p2" style="margin:0 0 4px 0;"></p> <p class="p2"><strong>Total: $60.93</strong></p></td>
+                     </tr>
+                     <tr>
+                      <td align="left" style="padding:0 0 24px 0;border-bottom:1px solid #C4C4C4;"><h4>Your receipt</h4> <!----> <p class="p2" style="margin:0 0 4px 0;"></p> <!----> <p class="p2"><a href="" style="color:#191919;text-decoration:none;">19 Lady Penrhyn Dr, Wyndham Vale VIC 3024, Australia</a></p></td>
+                     </tr>
+                    </tbody>
+                   </table></td>
+                 </tr>
+                </tbody>
+               </table> <!----> <!---->
+               <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                <tbody>
+                 <tr>
+                  <td align="left" style="padding:0 0 32px 0;">
+                   <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                    <tbody>
+                     <tr>
+                      <td align="left"><h4>Items you ordered</h4></td>
+                     </tr>
+                     <tr>
+                      <td align="left" style="padding:0 0 16px 0;border-bottom:1px solid #C4C4C4;"><!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Woolworths Corned Beef Silverside (each)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$15.54&nbsp;</p></td>
+                              </tr> <!--  -->
+                              <tr>
+                              <td colspan="2" align="left" class="grayCopy"><p class="para-md" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 14px; line-height: 18px; margin: 0 0 4px 0;color: #767676;">$11.50/kg • Purchased 1.351 kg</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>2x</strong> Jalapeno Chilli (1 ea)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$2.30&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>2x</strong> Coca-Cola Zero Sugar Soft Drink Bottle (2 L)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$9.00&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Kewpie Sriracha Mayonnaise (300 g)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$6.11&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Woolworths Angus Quarter Pound Beef Burgers (454 g × 4 pk)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$9.00&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Green Capsicum (1 ea)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$1.40&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Brioche Gourmet Sesame Brioche Burger Buns (4 pk)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$7.30&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>2x</strong> Hass Avocado</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$4.10&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Helga's Light Rye Bread (680 g)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$5.95&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Red Capsicum (1 ea)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$1.40&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: 1px solid #C4C4C4;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Garlic Head</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$2.15&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----> <!--    -->
+                       <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                        <tbody>
+                         <tr>
+                          <td align="left" style="padding: 16px 0 0 0; border-bottom: none;">
+                           <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                            <!--  --> <!--  -->
+                            <tbody>
+                             <tr>
+                              <td align="left" style="padding: 0 0 12px 0;"><!--    --> <!--  --> <!--  -->
+                              <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                              <!-- 
+                 
+               -->
+                              <tbody>
+                              <tr>
+                              <td align="left" valign="top" class=""><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; margin: 0 0 4px 0;color:inherit;"><strong>1x</strong> Lee Kum Kee Premium Dark Soy Sauce (250 ml)</p></td>
+                              <td align="right" valign="top" style="padding: 0 0 0 24px;"><p class="para-rg" style="font-family: 'TTNorms',system-ui,sans-serif; font-weight: 500; font-size: 16px; line-height: 20px; text-decoration: none; margin: 0 0 4px 0;color:inherit;white-space:nowrap;">&nbsp;$3.65&nbsp;</p></td>
+                              </tr> <!--  -->
+                              </tbody>
+                              </table></td>
+                             </tr> <!--  --> <!--  -->
+                            </tbody>
+                           </table></td>
+                         </tr>
+                        </tbody>
+                       </table> <!----></td>
+                     </tr>
+                    </tbody>
+                   </table></td>
+                 </tr>
+                </tbody>
+               </table> <!---->
+               <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                <tbody>
+                 <tr>
+                  <td align="left" style="padding:0 0 32px 0;">
+                   <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                    <tbody>
+                     <tr>
+                      <td align="left" style="padding:0 0 24px 0;border-bottom:1px solid #C4C4C4;">
+                       <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                        <tbody>
+                         <tr>
+                          <td align="left"><p class="p2">Subtotal</p></td>
+                          <td align="right" valign="bottom"><p class="p2">$67.90</p></td>
+                         </tr> <!----> <!---->
+                         <tr>
+                          <td align="left"><p class="p2">Bag Fee</p></td>
+                          <td align="right" valign="top"><p class="p2">$0.50</p></td>
+                         </tr> <!----> <!----> <!---->
+                         <tr>
+                          <td align="left"><p class="p2">Tax</p></td>
+                          <td align="right" valign="top"><p class="p2">$0.00</p></td>
+                         </tr> <!----> <!----> <!---->
+                         <tr>
+                          <td align="left"><p class="p2">Delivery fee</p></td>
+                          <td align="right" valign="top"><p class="p2">$0.00</p></td>
+                         </tr> <!----> <!---->
+                         <tr>
+                          <td align="left"><p class="p2">Service&nbsp;fee</p></td>
+                          <td align="right" valign="top"><p class="p2">$6.11</p></td>
+                         </tr> <!----> <!---->
+                         <tr>
+                          <td align="left"><p class="p2">Dasher&nbsp;tip</p></td>
+                          <td align="right" valign="top"><p class="p2">$0.00</p></td>
+                         </tr> <!----> <!---->
+                         <tr>
+                          <td align="left"><p class="p2">Discount</p></td>
+                          <td align="right" valign="top"><p class="p2">-$13.58</p></td>
+                         </tr> <!----> <!----> <!----> <!---->
+                        </tbody>
+                       </table></td>
+                     </tr>
+                    </tbody>
+                   </table></td>
+                 </tr>
+                </tbody>
+               </table>
+               <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                <tbody>
+                 <tr>
+                  <td align="left">
+                   <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                    <tbody>
+                     <tr>
+                      <td align="left"><p class="p1" style="font-weight:700;">Final total charged</p></td>
+                      <td align="right" valign="bottom"><p class="p1" style="font-weight:700;">$60.93</p></td>
+                     </tr>
+                    </tbody>
+                   </table></td>
+                 </tr>
+                 <tr>
+                  <td align="left" style="padding:16px 0 24px 0;">
+                   <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
+                    <tbody>
+                     <tr>
+                      <td align="left"><!----> <!----> <!----> <p class="p4" style="margin:0 0 16px;font-weight:400;">This email confirms revisions made to your original DoorDash order and reflects the final amount charged. The new total cost of your order is above and includes all taxes and fees. Payment processing adjustments to the original charge may take up to 5-7 business days to process.</p> <!----> <p class="p2" style="margin:0 0 16px;"><a class="Red200" href="https://tracksg.doordash.com/uni/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FBg5Q-2B-2F17CbuWT8XZi-2BuiXhYhQ4ra2libvRVipt1sfv4E-2FKwlbgukGbMndo1ZsJhMUiuAxeGb86p06pmk6V-2FQsCkNG42P38jfRm6zgoux4YpHAP_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDdm5muv43mKBZj0FtslvRhwurT1HU7WzBFk0uKPD12dTef2rlCVIu36es-2FxRXYDPOLHXG7qitIbeuwICQOtiAiJyF0XW5mYCg4EenXQa5FiPOrlqnzXCXafNC5mlJGvxOlPnGz4KG6-2FibY4F4HrGTkxRoVpyf9CEBWQB3h4B6-2F1vV34umJj7-2FLlLpcjkRso-2FZrw9zD-2FDCCnEzAJ9b7RCYUIm4jyKucNAH6Fj2kRAnALL6-2FL0QY3vFFztXGwYqrzLSreyQBjHZ9aQwUSam7UJYCAaq48Y50TUgS9EuM1bSw4Twf5p6fp3H4FoRGPMueME-2FSTdpWyR6zn70BPVqAFezHiorOMilHHsOq6nk1-2FqORI-2F0veiu3RW2zrCwnVrabBGigtiGnhurr7p9nOs1AjdyZa-2Fy5Uh8bX3CPB4wzCMXE7O-2FOmAxPQkFoB0-2BgXl8YJlxRNDOaueR-2BgqPA2uYZxr4-2BQtI4L0YynseA3NMscHGJNGN88RJHrH4CqPbPBkbpXelO-2Ftz4qkPn2adhNtmCgMrl40rFinK7NkUBQ-2Fl8tQtwvq8JTmf6gxu6dY07cNv4deM6rPu-2BQ-2FvHH4q00LtMFjDuuQ3oUFkbnbQHKhXkIUv3eSN4o7Kl6vrZHuHXulUntzFpaf0-2BlkucXK2YwHzC7HliOAyEF6-2FBa1FHUj7-2B2nt5St" target="_blank" style="font-weight:700;text-decoration:none;" universal="true">Get Order Help</a></p></td>
+                     </tr>
+                    </tbody>
+                   </table></td>
+                 </tr>
+                </tbody>
+               </table></td>
+             </tr>
+            </tbody>
+           </table></td>
+         </tr>
+        </tbody>
+       </table>
+       <table align="center" border="0" cellpadding="0" cellspacing="0" class="full" id="Footer" role="presentation" style="width:700px;">
+        <tbody>
+         <tr>
+          <td valign="top" align="center" style="padding:0 0 24px 0;"><!--[if (gte mso 9)|(IE)]>
+<table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:620px;">
+	<tr>
+		<td align="center">
+			<![endif]-->
+           <table align="center" border="0" cellpadding="0" cellspacing="0" id="Footer" role="presentation" style="mso-table-lspace: 0; mso-table-rspace: 0; width: 100%; max-width: 700px; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+            <tbody>
+             <tr>
+              <td align="center" style="padding: 0 24px;">
+               <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0; mso-table-rspace: 0; width:100%;max-width:572px; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                <tbody>
+                 <tr>
+                  <td align="left" style="padding:0 0 48px 0;border-bottom: 1px solid #E7E7E7;"></td>
+                 </tr>
+                 <tr>
+                  <td align="left" style="color: #191919; padding: 32px 0 16px 0;"><p style="font-family:'TTNorms',system-ui,sans-serif;font-size:14px;line-height:18px;font-weight:400;margin:0;color:#9A9A9A;">©2026 <a style="color: #9A9A9A; text-decoration: none;">DoorDash Technologies Australia Pty Ltd <br>401 Collins St. <br>Melbourne, VIC 3000 Australia</a></p> <p style="font-family:'TTNorms',system-ui,sans-serif;font-size:14px;line-height:18px;font-weight:400;margin:0;color:#9A9A9A;"><a href="https://tracksg.doordash.com/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FDD8FcMNUAvAdfcDQmgdYAqF1KGCKTTTznL6MvOfulOsmFa2kqsuG7LjgY0AllZKBKWegcAPOx5sr25l15pnWbLZL6VnVCDFc3hEnP4sDnr_qFX_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDdm5muv43mKBZj0FtslvRhwurT1HU7WzBFk0uKPD12dTef2rlCVIu36es-2FxRXYDPOLHXG7qitIbeuwICQOtiAiJyF0XW5mYCg4EenXQa5FiPOrlqnzXCXafNC5mlJGvxOlPnGz4KG6-2FibY4F4HrGTkxRoVpyf9CEBWQB3h4B6-2F1vV34umJj7-2FLlLpcjkRso-2FZrw9zD-2FDCCnEzAJ9b7RCYUIm4jyKucNAH6Fj2kRAnALL6-2FL0QY3vFFztXGwYqrzLSreyQBjHZ9aQwUSam7UJYCAaq48Y50TUgS9EuM1bSw4Twf5p6fp3H4FoRGPMueME-2FSTdpWyR6zn70BPVqAFezHiorOMilHHsOq6nk1-2FqORI-2F0veiu3RW2zrCwnVrabBGigtiGnhurr7p9nOs1AjdyZa-2Fy5Uh8bX3CPB4wzCMXE7O-2FOmAxPQkFoB0-2BgXl8YJlxRNDOaueR-2BgqPA2uYZxr4-2BQtI4L0YynseA3NMscHGJNGN88RJHrH4CqPbPBkbpXelO-2Ftz4qkPn2adhNtmCgMrl47hiO5jAJKuIZrUFfimDnpntNrXHRtriBc5B6j34phPs9t-2FTsNtprBO5gereYjazskrJGz4kTq383Phk6ev5l-2FwkKCZAvVCUn589YJbi-2FoyqrxbStev5iE7PJ2Us6bPgQpdvcUQSEkpYDzIyI-2Blcws" target="_blank" style="color: #9A9A9A; text-decoration: none;">Privacy Policy</a></p></td>
+                 </tr>
+                 <tr>
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+                </tbody>
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+             </tr>
+            </tbody>
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+ <body bgcolor="#ffffff" class="em_body" data-gr-c-s-loaded="true" style="margin:0px auto; padding:0px;">
+  <span style="color:transparent;visibility:hidden;display:none;opacity:0;height:0;width:0;font-size:0;"></span> <!-- == Body Section == -->
+  <table bgcolor="#ffffff" border="0" cellpadding="0" cellspacing="0" class="em_full_wrap" width="100%">
+   <tbody>
+    <tr>
+     <td align="center" valign="top">
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+       <tbody>
+        <tr>
+         <td align="center" valign="top"><!---->
+          <table align="center" bgcolor="#ededed" border="0" cellpadding="0" cellspacing="0" width="100%">
+           <tbody>
+            <tr>
+             <td class="em_h30" height="62" style="height:62px; line-height:0px; font-size:0px;"></td>
+            </tr> <!-- banner Section -->
+            <tr>
+             <td align="center" valign="top">
+              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+               <tbody>
+                <tr>
+                 <td align="center" bgcolor="#ededed" class="em_hauto" valign="top"><!---->
+                  <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                   <tbody>
+                    <tr>
+                     <td class="em_side30" style="width:60px;" width="60"></td>
+                     <td align="center" class="em_hauto" valign="top">
+                      <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                       <tbody>
+                        <tr>
+                         <td align="left" valign="top"><a style="text-decoration:none;" target="_blank" href="https://tracksg.doordash.com/uni/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FBg5Q-2B-2F17CbuWT8XZi-2BuiX9NQvXQ9aE-2FeLMhxL9C-2FAEYEgU_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDU38dwgb-2BDbpbbf0hwXhFRygzsqDKLqVcMuBPdkhwo7LHk9TXfSbi-2B0mW4NvsDLo9Q6gWLaNP3J-2Fyzkvnw5dniCObtF-2F77Rftwzxtvch3D6ixsFu8SYfu5xBceQTH8-2FBodTZxiewjgPzbEdFl3FPmC8yd8up2svP69bkXzPP1EgX9eD-2FyUn-2FEnfP2x2wq7ZOBUoARCeqqlFkP6W7Y5dGla8nNiQlX7AucOtqmpWXoN748jOggntsFT6RKIRx0tqjjl8YZ9wNtw1lwTOb8kFmOgsOcVVtLje8EbuOzP3zqIlcuQWgqqYb-2BV3lOeDIxWBtKbxqWC5a-2FCRgVj5lY1Bv7imoZhcA0AGsBJcII2E70CeIU8WfbTYM4M37ZPgsh2cLUb3V4Aejx-2FWVUWAWH2KDEs5dv-2B4PKgCJ8Acse3h-2BQekWDD3i77HE0-2BDrWvpiQ0PqKJUExxn5P-2FL0klhkr7BaNj8Rk-2F1Chu5ZAE5-2BwUiki7JUuLsWW9OOERb4e0qR3cSg4LijaO28HYiLjXFPAYOjdZeQOd-2FBnPtUPMDVpU9gYUKfSgsagIJguyAqpdjLfY6G8VVr86jIoxtluUxhWGTXIjaVcoCCZMHwuVy8TqEvwJR2SqSwWKk68wYn83-2BGVzp0Q96Il8ghSJk4VqSWMBaTqTd0KosKTV3a2OQBYPn6Cz3rrGJtTstNW0ohwZ27PImy8rSHU9BerWxzrGv35FfsQbw-3D" universal="true"><img alt="DOORDASH" border="0" class="en_icon" style="display:block; max-width:45px;font-family:Arial, sans-serif;font-size:20px; line-height:30px; color:#ee3623; font-weight:bold;" width="45" src="https://assets.doordash.team/m/835d1d775f776ef/original/-04_April-MX_Winback_Campaign-logo_img.png"> </a></td>
+                        </tr>
+                        <tr>
+                         <td class="em_h20" height="50" style="height:50px; line-height:0px; font-size:0px;"></td>
+                        </tr>
+                        <tr>
+                         <td align="left" class="em_defaultlink em_font_58 em_bold" style="font-family:'TTNorms-Bold', Arial, sans-serif; color:#000000;font-size:51px; line-height:60px; font-weight: bold;" valign="top"><!---->Thanks for your<br> order, Siddharth<!----></td>
+                        </tr>
+                        <tr>
+                         <td class="em_h10" height="20" style="height:20px; line-height:0px; font-size:0px;"></td>
+                        </tr>
+                        <tr>
+                         <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#000000;font-size:16px; line-height:20px;" valign="top"><!---->The estimated delivery time for your order<br class="em_hide"> is <strong>12:56 pm - 1:06 pm</strong>. Track your order in<br class="em_hide"> the DoorDash app or website.<!----></td>
+                        </tr>
+                        <tr>
+                         <td class="em_h10" height="20" style="height:20px; line-height:0px; font-size:0px;"></td>
+                        </tr>
+                        <tr>
+                         <td align="left" valign="top">
+                          <table align="left" border="0" cellpadding="0" cellspacing="0" class="em_cta" style="width:220px; max-width:220px;" width="220">
+                           <tbody>
+                            <tr>
+                             <td align="center" class="em_defaultlink em_cta em_bold" height="45" style="font-family:'TTNorms-Bold', Arial, sans-serif;color:#ffffff;font-size:18px; background-color:#eb1700; border-radius:25px; font-weight: bold; " valign="middle"><a style="text-decoration:none; display:block; color:#ffffff; line-height:45px;" target="_blank" href="https://tracksg.doordash.com/uni/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FBg5Q-2B-2F17CbuWT8XZi-2BuiVnjyPy8cqQ7jo-2BNF2Wc6ScBomnSDcwnk7ZiV0pRP-2F7pg2J7U-2BGioomJQf-2FXVlW43g-3Dvyw__gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDU38dwgb-2BDbpbbf0hwXhFRygzsqDKLqVcMuBPdkhwo7LHk9TXfSbi-2B0mW4NvsDLo9Q6gWLaNP3J-2Fyzkvnw5dniCObtF-2F77Rftwzxtvch3D6ixsFu8SYfu5xBceQTH8-2FBodTZxiewjgPzbEdFl3FPmC8yd8up2svP69bkXzPP1EgX9eD-2FyUn-2FEnfP2x2wq7ZOBUoARCeqqlFkP6W7Y5dGla8nNiQlX7AucOtqmpWXoN748jOggntsFT6RKIRx0tqjjl8YZ9wNtw1lwTOb8kFmOgsOcVVtLje8EbuOzP3zqIlcuQWgqqYb-2BV3lOeDIxWBtKbxqWC5a-2FCRgVj5lY1Bv7imoZhcA0AGsBJcII2E70CeIU8WfbTYM4M37ZPgsh2cLUb3V4Aejx-2FWVUWAWH2KDEs5dv-2B4PKgCJ8Acse3h-2BQekWDD3i77HE0-2BDrWvpiQ0PqKJUExxn5P-2FL0klhkr7BaNj8Rk-2F1Chu5ZAE5-2BwUiki7JUuLsWW9OOERb4e0qR3cSg4LijaO28HYiLjXFPAYOjdZeQOd-2FBnPtUPMDVpU9gYUKfSgsagIJguyAqpdjLfY6G8c11Xrs5mrwxYvXOjM-2B31YOhRV-2FVn8biClWfjAQE-2FFKhuO4Omylt1Br9cDjiGoEk5b7gncfkgZItoZ0uVSEVcQFQl4dKCCcWTsNznKpdwNr7hzrx4kK9eLK5xE8TC9mvmLuZcj8FiuGDz2TIKo2aVMk-3D" universal="true">Track Your Order</a></td>
+                            </tr>
+                           </tbody>
+                          </table></td>
+                        </tr>
+                       </tbody>
+                      </table></td>
+                     <td class="em_side15" style="width:20px;" width="20"></td>
+                    </tr>
+                   </tbody>
+                  </table></td>
+                </tr>
+               </tbody>
+              </table></td>
+            </tr> <!----><!----><!--Illustration 2-->
+            <tr>
+             <td align="center" class="em_full_img" valign="top"><a style="text-decoration:none;" target="_blank" href="https://tracksg.doordash.com/uni/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FBg5Q-2B-2F17CbuWT8XZi-2BuiX9NQvXQ9aE-2FeLMhxL9C-2FAEvLxo_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDU38dwgb-2BDbpbbf0hwXhFRygzsqDKLqVcMuBPdkhwo7LHk9TXfSbi-2B0mW4NvsDLo9Q6gWLaNP3J-2Fyzkvnw5dniCObtF-2F77Rftwzxtvch3D6ixsFu8SYfu5xBceQTH8-2FBodTZxiewjgPzbEdFl3FPmC8yd8up2svP69bkXzPP1EgX9eD-2FyUn-2FEnfP2x2wq7ZOBUoARCeqqlFkP6W7Y5dGla8nNiQlX7AucOtqmpWXoN748jOggntsFT6RKIRx0tqjjl8YZ9wNtw1lwTOb8kFmOgsOcVVtLje8EbuOzP3zqIlcuQWgqqYb-2BV3lOeDIxWBtKbxqWC5a-2FCRgVj5lY1Bv7imoZhcA0AGsBJcII2E70CeIU8WfbTYM4M37ZPgsh2cLUb3V4Aejx-2FWVUWAWH2KDEs5dv-2B4PKgCJ8Acse3h-2BQekWDD3i77HE0-2BDrWvpiQ0PqKJUExxn5P-2FL0klhkr7BaNj8Rk-2F1Chu5ZAE5-2BwUiki7JUuLsWW9OOERb4e0qR3cSg4LijaO28HYiLjXFPAYOjdZeQOd-2FBnPtUPMDVpU9gYUKfSgsagIJguyAqpdjLfY6G8WRCD-2FqRcT3qYaTZhzIDIiyJa5PtObUnCjY4SczlOveif0uLWX8gst2iXvDBVuJze7WmSiLEzmN-2Bdnt8ToATmeJperQEu3d9WnvS8-2BknB4MEeK-2BwIQhdsw6X9lhJzohufq-2BYaSEg2vrnOSJed7mMlcQ-3D" universal="true"><img alt="" border="0" class="em_full_img" style="display:block; max-width:700px; font-family:Arial, sans-serif; font-size:22px; line-height:25px; color:#ffffff; font-weight:bold;" width="700" src="https://assets.doordash.team/m/188a590491f6c3c9/original/-template-OrderConfirmation-dancingfood.png"></a></td>
+            </tr> <!--//Illustration 2--><!----><!----><!-- //banner Section -->
+            <tr>
+             <td align="center" valign="top">
+              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+               <tbody>
+                <tr>
+                 <td style="width:6%;" width="6%"></td>
+                 <td align="center" valign="top">
+                  <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                   <tbody>
+                    <tr>
+                     <td align="center" class="em_rounded" style="border-top-left-radius: 40px; border-top-right-radius: 40px; background-color: #ffffff;" valign="top">
+                      <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                       <tbody>
+                        <tr>
+                         <td class="em_side15" style="width: 40px;" width="40"></td>
+                         <td align="center" valign="top">
+                          <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                           <tbody>
+                            <tr>
+                             <td class="em_h20" height="50" style="height:50px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                            <tr>
+                             <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:17px; line-height:24px;" valign="top">Paid with MasterCard Ending in 8032<br> Subway</td>
+                            </tr>
+                            <tr>
+                             <td align="left" class="em_defaultlink em_bold" style="font-family:'TTNorms-Bold', Arial, sans-serif; color:#767676;font-size:17px; line-height:24px; font-weight:bold; color:#000000;" valign="top">Total: $29.08</td>
+                            </tr>
+                            <tr>
+                             <td class="em_h20" height="35" style="height:35px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                            <tr>
+                             <td align="left" class="em_defaultlink em_bold" style="font-family:'TTNorms-Bold', Arial, sans-serif; color:#000000;font-size:26px; line-height:36px; font-weight: bold;" valign="top">Your receipt</td>
+                            </tr>
+                            <tr>
+                             <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:21px;" valign="top">19 Lady Penrhyn Dr, Wyndham Vale VIC 3024, Australia</td>
+                            </tr>
+                            <tr>
+                             <td class="em_h20" height="45" style="height:45px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:17px; line-height:24px;" valign="top"><font size="2" color="#666666"><b>- For: Siddharth Bose -</b></font><br><br>
+                              <table width="100%" style="margin: auto; margin-bottom: 20px">
+                              <tbody>
+                              <tr style="text-align: left;">
+                              <td valign="top" width="10%" style="color: #666666; font-size: 18px; line-height: 24px">1x</td>
+                              <td valign="top" width="75%" style="color: #666666; font-size: 18px; line-height: 24px"><b>Italian B.M.T.®</b> (All Subs)<br><font color="dimgrey">• Subway Footlong ®</font><br><font color="dimgrey">• Italian Herb &amp; Cheese Bread</font><br><font color="dimgrey">• Toasted</font><br><font color="dimgrey">• Old English Style Cheese</font><br><font color="dimgrey">• Double Cheese</font><br><font color="dimgrey">• Spinach</font><br><font color="dimgrey">• Tomato</font><br><font color="dimgrey">• Cucumber</font><br><font color="dimgrey">• Capsicum</font><br><font color="dimgrey">• Onions</font><br><font color="dimgrey">• Jalapenos</font><br><font color="dimgrey">• Carrots</font><br><font color="dimgrey">• Honey Mustard Sauce</font><br><font color="dimgrey">• Sweet Onion Dressing</font><br><font color="dimgrey">• Pepper</font><br><font color="dimgrey">• Sea Salt</font><br><br></td>
+                              <td valign="top" width="15%" style="color: #666666; font-size: 18px; line-height: 24px text-align: right">$19.85</td>
+                              </tr>
+                              <tr style="text-align: left;">
+                              <td valign="top" width="10%" style="color: #666666; font-size: 18px; line-height: 24px">1x</td>
+                              <td valign="top" width="75%" style="color: #666666; font-size: 18px; line-height: 24px"><b>Italian Meatball</b> (All Subs)<br><font color="dimgrey">• Subway 6-Inch ®</font><br><font color="dimgrey">• Italian Herb &amp; Cheese Bread</font><br><font color="dimgrey">• Toasted</font><br><font color="dimgrey">• Mozzarella</font><br><font color="dimgrey">• Double Meat (Selected Meat only)</font><br><font color="dimgrey">• Double Cheese</font><br><font color="dimgrey">• Cucumber</font><br><font color="dimgrey">• Pickles</font><br><font color="dimgrey">• Capsicum</font><br><font color="dimgrey">• Onions</font><br><font color="dimgrey">• Ranch Dressing</font><br><font color="dimgrey">• Garlic Aioli</font><br><font color="dimgrey">• Pepper</font><br><font color="dimgrey">• Sea Salt</font><br><br></td>
+                              <td valign="top" width="15%" style="color: #666666; font-size: 18px; line-height: 24px text-align: right">$16.00</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr>
+                            <tr>
+                             <td class="em_h20" height="22" style="height:22px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                           </tbody>
+                          </table></td>
+                         <td class="em_side15" style="width: 40px;" width="40"></td>
+                        </tr>
+                       </tbody>
+                      </table></td>
+                    </tr>
+                    <tr>
+                     <td align="center" bgcolor="#ffffff" class="em_pad1" valign="top">
+                      <table align="center" border="0" cellpadding="0" cellspacing="0" class="em_wrapper" style="width:530px;" width="530">
+                       <tbody>
+                        <tr>
+                         <td bgcolor="#e5e5e5" height="2" style="line-height:0px; font-size:0px; height: 2px;"><img alt="" border="0" height="1" style="display:block;" width="1" src="https://assets.doordash.team/m/1b5c04bd5b887a06/original/-05_May-90D_Resurrection_Campaign_Refresh_T2-spacer.gif"></td>
+                        </tr>
+                       </tbody>
+                      </table></td>
+                    </tr>
+                    <tr>
+                     <td align="center" style="background-color: #ffffff;" valign="top">
+                      <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                       <tbody>
+                        <tr>
+                         <td class="em_side15" style="width: 40px;" width="40"></td>
+                         <td align="center" valign="top">
+                          <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                           <tbody>
+                            <tr>
+                             <td class="em_h20" height="10" style="height:10px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr><!---->
+                              <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">Subtotal</td> <!---->
+                              <td align="right" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">$35.85</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr>
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr><!---->
+                              <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">Taxes</td> <!---->
+                              <td align="right" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">$0.00</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr> <!----><!---->
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">Delivery Fee</td>
+                              <td align="right" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">$0.00</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr>
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">Service Fee</td>
+                              <td align="right" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">$3.23</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr>
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">Tip</td>
+                              <td align="right" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">$0.00</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr> <!---->
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr>
+                              <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">Discounts</td>
+                              <td align="right" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#767676;font-size:14px; line-height:22px;" valign="top">-$26.02</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr> <!---->
+                            <tr>
+                             <td class="em_h20" height="18" style="height:18px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                           </tbody>
+                          </table></td>
+                         <td class="em_side15" style="width: 40px;" width="40"></td>
+                        </tr>
+                       </tbody>
+                      </table></td>
+                    </tr>
+                    <tr>
+                     <td align="center" bgcolor="#ffffff" class="em_pad1" valign="top">
+                      <table align="center" border="0" cellpadding="0" cellspacing="0" class="em_wrapper" style="width:530px;" width="530">
+                       <tbody>
+                        <tr>
+                         <td bgcolor="#e5e5e5" height="2" style="line-height:0px; font-size:0px; height: 2px;"><img alt="" border="0" height="1" style="display:block;" width="1" src="https://assets.doordash.team/m/1b5c04bd5b887a06/original/-05_May-90D_Resurrection_Campaign_Refresh_T2-spacer.gif"></td>
+                        </tr>
+                       </tbody>
+                      </table></td>
+                    </tr>
+                    <tr>
+                     <td align="center" style="background-color: #ffffff;" valign="top">
+                      <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                       <tbody>
+                        <tr>
+                         <td class="em_side15" style="width: 40px;" width="40"></td>
+                         <td align="center" valign="top">
+                          <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                           <tbody>
+                            <tr>
+                             <td class="em_h20" height="12" style="height:12px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                            <tr>
+                             <td align="center" valign="top">
+                              <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
+                              <tbody>
+                              <tr><!---->
+                              <td align="left" class="em_defaultlink em_bold" style="font-family:'TTNorms-Bold', Arial, sans-serif; color:#000000;font-size:17px; line-height:24px; font-weight: bold;" valign="top">Total Charged</td> <!---->
+                              <td align="right" class="em_defaultlink em_bold" style="font-family:'TTNorms-Bold', Arial, sans-serif; color:#000000;font-size:17px; line-height:24px; font-weight: bold;" valign="top">$29.08</td>
+                              </tr>
+                              </tbody>
+                              </table></td>
+                            </tr> <!----><!----><!----><!----><!----><!----><!----> <!---->
+                            <tr>
+                             <td class="em_h20" height="15" style="height:15px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                            <tr>
+                             <td align="left" class="em_defaultlink" style="font-family:'TTNorms-Regular', Arial, sans-serif; color:#ff2f07;font-size:14px; line-height:21px; font-weight: bold;" valign="top"><a style="color:#ff2f07; text-decoration:none;" target="_blank" href="https://tracksg.doordash.com/uni/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FBg5Q-2B-2F17CbuWT8XZi-2BuiVnjyPy8cqQ7jo-2BNF2Wc6ScBomnSDcwnk7ZiV0pRP-2F7pg2J7U-2BGioomJQf-2FXVlW43g-3D6wBj_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDU38dwgb-2BDbpbbf0hwXhFRygzsqDKLqVcMuBPdkhwo7LHk9TXfSbi-2B0mW4NvsDLo9Q6gWLaNP3J-2Fyzkvnw5dniCObtF-2F77Rftwzxtvch3D6ixsFu8SYfu5xBceQTH8-2FBodTZxiewjgPzbEdFl3FPmC8yd8up2svP69bkXzPP1EgX9eD-2FyUn-2FEnfP2x2wq7ZOBUoARCeqqlFkP6W7Y5dGla8nNiQlX7AucOtqmpWXoN748jOggntsFT6RKIRx0tqjjl8YZ9wNtw1lwTOb8kFmOgsOcVVtLje8EbuOzP3zqIlcuQWgqqYb-2BV3lOeDIxWBtKbxqWC5a-2FCRgVj5lY1Bv7imoZhcA0AGsBJcII2E70CeIU8WfbTYM4M37ZPgsh2cLUb3V4Aejx-2FWVUWAWH2KDEs5dv-2B4PKgCJ8Acse3h-2BQekWDD3i77HE0-2BDrWvpiQ0PqKJUExxn5P-2FL0klhkr7BaNj8Rk-2F1Chu5ZAE5-2BwUiki7JUuLsWW9OOERb4e0qR3cSg4LijaO28HYiLjXFPAYOjdZeQOd-2FBnPtUPMDVpU9gYUKfSgsagIJguyAqpdjLfY6G8bOKlnu7vSFB-2BIQ-2FSa0IlYx-2F9RNR0nsTokQzCNSqlpkomb9IWoemjq9we5J1OThMwqfb3jx6ATLRRe0hZPiX7urz31ND8Ku6OkcqBpF9xCGYZ-2B8b-2FruvvcHPSbTGjapxW5zZugpMbHsegIXXCMVBkNg-3D" universal="true">Get Order Help</a></td>
+                            </tr> <!-- -->
+                            <tr>
+                             <td class="em_h20" height="58" style="height:58px; line-height:0px; font-size:0px;"></td>
+                            </tr>
+                           </tbody>
+                          </table> <!-- == //Body Section == --><!-- == Footer Section == --><!-- == //Footer Section == --></td>
+                         <td class="em_side15" style="width: 40px;" width="40"></td>
+                        </tr>
+                       </tbody>
+                      </table></td>
+                    </tr>
+                   </tbody>
+                  </table></td>
+                 <td style="width:6%;" width="6%"></td>
+                </tr>
+               </tbody>
+              </table></td>
+            </tr>
+            <tr>
+             <td align="center" valign="top"><!--[if (gte mso 9)|(IE)]>
+<table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:620px;">
+	<tr>
+		<td align="center">
+			<![endif]-->
+              <table align="center" border="0" cellpadding="0" cellspacing="0" id="Footer" role="presentation" style="mso-table-lspace: 0; mso-table-rspace: 0; width: 100%; max-width: 700px; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+               <tbody>
+                <tr>
+                 <td align="center" style="padding: 0 24px;">
+                  <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0; mso-table-rspace: 0; width:100%;max-width:572px; border: 0; padding: 0; border-collapse: collapse;" width="100%">
+                   <tbody>
+                    <tr>
+                     <td align="left" style="padding:0 0 48px 0;border-bottom: 1px solid #E7E7E7;"></td>
+                    </tr>
+                    <tr>
+                     <td align="left" style="color: #191919; padding: 32px 0 16px 0;"><p style="font-family:'TTNorms',system-ui,sans-serif;font-size:14px;line-height:18px;font-weight:400;margin:0;color:#9A9A9A;">©2026 <a style="color: #9A9A9A; text-decoration: none;">DoorDash Technologies Australia Pty Ltd <br>401 Collins St. <br>Melbourne, VIC 3000 Australia</a></p> <p style="font-family:'TTNorms',system-ui,sans-serif;font-size:14px;line-height:18px;font-weight:400;margin:0;color:#9A9A9A;"><a href="https://tracksg.doordash.com/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FDD8FcMNUAvAdfcDQmgdYAqF1KGCKTTTznL6MvOfulOsmFa2kqsuG7LjgY0AllZKBKWegcAPOx5sr25l15pnWbLZL6VnVCDFc3hEnP4sDnrBpZV_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDU38dwgb-2BDbpbbf0hwXhFRygzsqDKLqVcMuBPdkhwo7LHk9TXfSbi-2B0mW4NvsDLo9Q6gWLaNP3J-2Fyzkvnw5dniCObtF-2F77Rftwzxtvch3D6ixsFu8SYfu5xBceQTH8-2FBodTZxiewjgPzbEdFl3FPmC8yd8up2svP69bkXzPP1EgX9eD-2FyUn-2FEnfP2x2wq7ZOBUoARCeqqlFkP6W7Y5dGla8nNiQlX7AucOtqmpWXoN748jOggntsFT6RKIRx0tqjjl8YZ9wNtw1lwTOb8kFmOgsOcVVtLje8EbuOzP3zqIlcuQWgqqYb-2BV3lOeDIxWBtKbxqWC5a-2FCRgVj5lY1Bv7imoZhcA0AGsBJcII2E70CeIU8WfbTYM4M37ZPgsh2cLUb3V4Aejx-2FWVUWAWH2KDEs5dv-2B4PKgCJ8Acse3h-2BQekWDD3i77HE0-2BDrWvpiQ0PqKJUExxn5P-2FL0klhkr7BaNj8Rk-2F1Chu5ZAE5-2BwUiki7JUuLsWW9OOERb4e0qR3cSg4LijaO28HYiLjXFPAYOjdZeQOd-2FBnPtUPMDVpU9gYUKfSgsagIJguyAqpdjLfY6G8Q8l21R-2BUnujFyqLh7dgRALyW1uXR-2FN8S0g00dvJLLfcmlzcQZxW44cVyDjeLcQdT7oXKMmfaQcqjpUqJASXPTpcyojzmAR7AJNx0XL1wVst-2FulVzDY1gZlfxA5V-2BU-2F-2B4tKqztf0gKzb-2BVk9xtu1bac-3D" target="_blank" style="color: #9A9A9A; text-decoration: none;">Privacy Policy</a></p></td>
+                    </tr>
+                    <tr>
+                     <td align="left" style="color: #191919; padding: 0 0 24px 0;"><p style="font-family:'TTNorms',system-ui,sans-serif;font-size:14px;line-height:18px;font-weight:500;margin:0;color:#9A9A9A;"><a href="https://tracksg.doordash.com/ls/click?upn=u001.2WPFTROKt87XSwhhpTWl-2B-2FDD8FcMNUAvAdfcDQmgdYABnncKv1afIihr5Gt6bkMjMbSD_gLgx7IOQjj9tjcBPTdxDOJz1JqFsZO0kLUqSc8MGlKXluNU-2FF7J47geTAg8w6cqXb3B-2FMFQSFRN7JikLQZlFDU38dwgb-2BDbpbbf0hwXhFRygzsqDKLqVcMuBPdkhwo7LHk9TXfSbi-2B0mW4NvsDLo9Q6gWLaNP3J-2Fyzkvnw5dniCObtF-2F77Rftwzxtvch3D6ixsFu8SYfu5xBceQTH8-2FBodTZxiewjgPzbEdFl3FPmC8yd8up2svP69bkXzPP1EgX9eD-2FyUn-2FEnfP2x2wq7ZOBUoARCeqqlFkP6W7Y5dGla8nNiQlX7AucOtqmpWXoN748jOggntsFT6RKIRx0tqjjl8YZ9wNtw1lwTOb8kFmOgsOcVVtLje8EbuOzP3zqIlcuQWgqqYb-2BV3lOeDIxWBtKbxqWC5a-2FCRgVj5lY1Bv7imoZhcA0AGsBJcII2E70CeIU8WfbTYM4M37ZPgsh2cLUb3V4Aejx-2FWVUWAWH2KDEs5dv-2B4PKgCJ8Acse3h-2BQekWDD3i77HE0-2BDrWvpiQ0PqKJUExxn5P-2FL0klhkr7BaNj8Rk-2F1Chu5ZAE5-2BwUiki7JUuLsWW9OOERb4e0qR3cSg4LijaO28HYiLjXFPAYOjdZeQOd-2FBnPtUPMDVpU9gYUKfSgsagIJguyAqpdjLfY6G8aanhk3H7M0AmyPIeD-2FSytmK5nE5elBgAZcjX3JsIKz28vuZG4HM2bl-2FxI9FZWifPR-2FNBQ-2FOmTQqLo0YK3jcUZRxpOUh8EYeWnkDHAf9CUnJYhfBCXrPHy8-2BIouWsFADv6rViHCrwIlJq7PKIdjhsQU-3D" target="_blank" style="color:#9A9A9A;text-decoration:none;">Help Center</a></p></td>
+                    </tr>
+                   </tbody>
+                  </table></td>
+                </tr>
+               </tbody>
+              </table> <!--[if (gte mso 9)|(IE)]>
+		</td>
+	</tr>
+</table>
+<![endif]--></td>
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+  "id": "AQMkADAwATM0MDAAMS1hYzQyLTVjZDktMDACLTAwCgBGAAADS6kDcxBxKkKwbCK1wU1QlwcA7Ex_hlaTTU0AgHQ16optl_AAAAIBDAAAAOxMfoZWk01NAIB0NeqKbZfgAAj7_L67AAAA",
+  "date": "2026-06-02T03:11:33Z",
+  "subject": "Your Tuesday afternoon order with Uber Eats",
+  "len": 60716
+ },
+ {
+  "i": 19,
+  "id": "AQMkADAwATM0MDAAMS1hYzQyLTVjZDktMDACLTAwCgBGAAADS6kDcxBxKkKwbCK1wU1QlwcA7Ex_hlaTTU0AgHQ16optl_AAAAIBDAAAAOxMfoZWk01NAIB0NeqKbZfgAAj66TeuAAAA",
+  "date": "2026-05-29T02:47:06Z",
+  "subject": "Your Friday afternoon order with Uber Eats",
+  "len": 55127
+ },
+ {
+  "i": 20,
+  "id": "AQMkADAwATM0MDAAMS1hYzQyLTVjZDktMDACLTAwCgBGAAADS6kDcxBxKkKwbCK1wU1QlwcA7Ex_hlaTTU0AgHQ16optl_AAAAIBDAAAAOxMfoZWk01NAIB0NeqKbZfgAAj19QCWNwAAAA==",
+  "date": "2026-05-23T03:00:14Z",
+  "subject": "Your Saturday afternoon order with Uber Eats",
+  "len": 65562
+ },
+ {
+  "i": 21,
+  "id": "AQMkADAwATM0MDAAMS1hYzQyLTVjZDktMDACLTAwCgBGAAADS6kDcxBxKkKwbCK1wU1QlwcA7Ex_hlaTTU0AgHQ16optl_AAAAIBDAAAAOxMfoZWk01NAIB0NeqKbZfgAAjzoSJtAAAA",
+  "date": "2026-05-18T10:50:25Z",
+  "subject": "Your Monday evening order with Uber Eats",
+  "len": 68144
+ },
+ {
+  "i": 22,
+  "id": "AQMkADAwATM0MDAAMS1hYzQyLTVjZDktMDACLTAwCgBGAAADS6kDcxBxKkKwbCK1wU1QlwcA7Ex_hlaTTU0AgHQ16optl_AAAAIBDAAAAOxMfoZWk01NAIB0NeqKbZfgAAjy8e6sAAAA",
+  "date": "2026-05-17T03:13:05Z",
+  "subject": "Your Sunday afternoon order with Uber Eats",
+  "len": 62439
+ },
+ {
+  "i": 23,
+  "id": "AQMkADAwATM0MDAAMS1hYzQyLTVjZDktMDACLTAwCgBGAAADS6kDcxBxKkKwbCK1wU1QlwcA7Ex_hlaTTU0AgHQ16optl_AAAAIBDAAAAOxMfoZWk01NAIB0NeqKbZfgAAjw8ZyAAAAA",
+  "date": "2026-05-15T09:45:15Z",
+  "subject": "Your Friday evening order with Uber Eats",
+  "len": 55113
+ },
+ {
+  "i": 24,
+  "id": "AQMkADAwATM0MDAAMS1hYzQyLTVjZDktMDACLTAwCgBGAAADS6kDcxBxKkKwbCK1wU1QlwcA7Ex_hlaTTU0AgHQ16optl_AAAAIBDAAAAOxMfoZWk01NAIB0NeqKbZfgAAjw8ZxwAAAA",
+  "date": "2026-05-14T15:02:24Z",
+  "subject": "Your Thursday afternoon order with Uber Eats",
+  "len": 58231
+ },
+ {
+  "i": 25,
+  "id": "AQMkADAwATM0MDAAMS1hYzQyLTVjZDktMDACLTAwCgBGAAADS6kDcxBxKkKwbCK1wU1QlwcA7Ex_hlaTTU0AgHQ16optl_AAAAIBDAAAAOxMfoZWk01NAIB0NeqKbZfgAAjw8ZxtAAAA",
+  "date": "2026-05-14T11:24:43Z",
+  "subject": "Your Thursday evening order with Uber Eats",
+  "len": 60745
+ },
+ {
+  "i": 26,
+  "id": "AQMkADAwATM0MDAAMS1hYzQyLTVjZDktMDACLTAwCgBGAAADS6kDcxBxKkKwbCK1wU1QlwcA7Ex_hlaTTU0AgHQ16optl_AAAAIBDAAAAOxMfoZWk01NAIB0NeqKbZfgAAjV0eF4AAAA",
+  "date": "2026-04-08T05:54:03Z",
+  "subject": "Your Tuesday evening order with Uber Eats",
+  "len": 68338
+ },
+ {
+  "i": 27,
+  "id": "AQMkADAwATM0MDAAMS1hYzQyLTVjZDktMDACLTAwCgBGAAADS6kDcxBxKkKwbCK1wU1QlwcA7Ex_hlaTTU0AgHQ16optl_AAAAIBDAAAAOxMfoZWk01NAIB0NeqKbZfgAAjV0eFyAAAA",
+  "date": "2026-04-07T22:40:52Z",
+  "subject": "Your Tuesday afternoon order with Uber Eats",
+  "len": 52600
+ },
+ {
+  "i": 28,
+  "id": "AQMkADAwATM0MDAAMS1hYzQyLTVjZDktMDACLTAwCgBGAAADS6kDcxBxKkKwbCK1wU1QlwcA7Ex_hlaTTU0AgHQ16optl_AAAAIBDAAAAOxMfoZWk01NAIB0NeqKbZfgAAjV0eFcAAAA",
+  "date": "2026-04-06T05:23:40Z",
+  "subject": "Your Sunday evening order with Uber Eats",
+  "len": 59440
+ }
+]
@@ -0,0 +1,106 @@
+import { describe, it, expect, beforeAll } from "vitest";
+import { readFileSync } from "fs";
+import { resolve } from "path";
+import { queryRaw } from "../../lib/db";
+
+/**
+ * The HTTP path had no tests at all — which is how three defects reached the
+ * branch through a suite of 105 green ones. These exercise the route handler
+ * directly (no server needed) so the auth gate and the error taxonomy are
+ * actually covered.
+ */
+const dir = resolve(__dirname, "../fixtures/orders/real");
+const html = (f: string) => readFileSync(resolve(dir, `${f}.html`), "utf-8");
+
+const TOKEN = "test-ingest-token";
+let POST: any;
+
+const req = (body: unknown, token: string | null = TOKEN) =>
+  ({
+    headers: { get: (h: string) => (h === "x-ingest-token" ? token : null) },
+    json: async () => body,
+  }) as any;
+
+beforeAll(async () => {
+  process.env.ORDER_INGEST_TOKEN = TOKEN;
+  ({ POST } = await import("../../app/api/orders/ingest/route"));
+});
+
+describe("ingest API — auth", () => {
+  it("rejects a missing token", async () => {
+    const res = await POST(req({ html: "x", meta: {} }, null));
+    expect(res.status).toBe(401);
+  });
+
+  it("rejects a wrong token", async () => {
+    const res = await POST(req({ html: "x", meta: {} }, "nope"));
+    expect(res.status).toBe(401);
+  });
+
+  it("rejects a malformed body", async () => {
+    const res = await POST(req({ html: "only html" }));
+    expect(res.status).toBe(400);
+  });
+});
+
+describe("ingest API — error taxonomy", () => {
+  const meta = (over = {}) => ({
+    messageId: `api-${Math.random().toString(36).slice(2)}`,
+    subject: "Order Confirmation for Siddharth from Mad Mex",
+    receivedAt: "2026-07-16T03:34:00Z",
+    sender: "DoorDash Order <no-reply@doordash.com>",
+    ...over,
+  });
+
+  it("a non-receipt is 200 and silent — it must not alert", async () => {
+    // A newsletter: real traffic, correctly ignored.
+    const res = await POST(req({ html: html("dd-01"), meta: meta({ subject: "Newsletter", sender: "promo@example.com" }) }));
+    expect(res.status).toBe(200);
+    expect((await res.json()).kind).toBe("skipped");
+  });
+
+  it("an adjustment notice is 200 and silent", async () => {
+    const res = await POST(req({
+      html: html("dd-08"),
+      meta: meta({ subject: "Order Confirmation for Siddharth from ALDI" }),
+    }));
+    expect(res.status).toBe(200);
+    expect((await res.json()).kind).toBe("skipped");
+  });
+
+  it("a receipt that cannot be parsed is 422 so it ALERTS", async () => {
+    // A DoorDash receipt with its totals stripped out — i.e. what a provider
+    // template change looks like. Previously this returned 200 and vanished.
+    const broken = html("dd-01")
+      .replace(/Total Charged/g, "Gesamtbetrag")
+      .replace(/Total:/g, "Summe:");
+    const res = await POST(req({ html: broken, meta: meta() }));
+    expect(res.status).toBe(422);
+    const body = await res.json();
+    expect(body.kind).toBe("parse_failed");
+    expect(body.reason).toMatch(/total/i);
+  });
+
+  it("a refund is routed to the amendment path, not ingestion", async () => {
+    const res = await POST(req({
+      html: html("ue-05"),
+      meta: meta({ subject: "Your Tuesday evening order with Uber Eats", sender: "uber.com" }),
+      dryRun: true,
+    }));
+    expect(res.status).toBe(200);
+    const body = await res.json();
+    expect(body.kind).toBe("amendment");
+    expect(body.amendment.new_total).toBeCloseTo(45.73, 2);
+  });
+
+  it("a good receipt ingests", async () => {
+    await queryRaw(`DELETE FROM expense_metadata WHERE source = 'email'`);
+    await queryRaw(`DELETE FROM transactions WHERE description LIKE 'Order - %'`);
+    const res = await POST(req({ html: html("dd-01"), meta: meta({ messageId: "api-ok-1" }) }));
+    expect(res.status).toBe(200);
+    const body = await res.json();
+    expect(body.kind).toBe("order");
+    expect(body.total).toBe(14.64);
+    expect(body.transactionId).not.toBeNull();
+  });
+});
@@ -0,0 +1,358 @@
+import { describe, it, expect, beforeEach } from "vitest";
+import { readFileSync } from "fs";
+import { resolve } from "path";
+import { queryRaw, queryRow } from "../../lib/db";
+import {
+  parseOrderHTML,
+  validateOrderTotals,
+  processOrderIngestion,
+  reconcilePendingOrders,
+  parseOrderAmendment,
+  applyOrderAmendment,
+  OrderParseError,
+  NotAReceiptError,
+  type MessageMeta,
+} from "../../lib/order-ingestion";
+import { EXCLUDE_NON_SPEND } from "../../lib/analytics-sql";
+
+/**
+ * These run against REAL captured receipts, not synthetic fixtures. The earlier
+ * suite passed 31/31 against fixtures written to satisfy the parser, while the
+ * parser could not read a single real email. Fixtures live in
+ * __tests__/fixtures/orders/real/ and are unmodified message bodies.
+ */
+const dir = resolve(__dirname, "../fixtures/orders/real");
+const html = (f: string) => readFileSync(resolve(dir, `${f}.html`), "utf-8");
+
+const meta = (over: Partial<MessageMeta> = {}): MessageMeta => ({
+  messageId: `test-${Math.random().toString(36).slice(2)}`,
+  subject: "Order Confirmation for Siddharth from Mad Mex",
+  receivedAt: "2026-07-16T03:34:00Z",
+  sender: "DoorDash Order <no-reply@doordash.com>",
+  ...over,
+});
+
+describe("Order parsing — real receipts", () => {
+  it("reads DoorDash totals structurally, not by flattening (I9)", () => {
+    const p = parseOrderHTML(html("dd-01"), meta());
+    expect(p.merchant_name).toBe("Mad Mex");
+    expect(p.totals.total_charged).toBe(14.64);
+    expect(p.payment.credits_amount).toBe(14.64);
+    expect(p.line_items).toHaveLength(1);
+    expect(p.line_items[0].description).toBe("Burrito (Mains)");
+    expect(p.line_items[0].options).toContain("Slow Cooked Beef (GF)");
+  });
+
+  it("does NOT gate on DoorDash's fee breakdown, which genuinely does not reconcile", () => {
+    // Real receipt: subtotal 22.10 + service 1.99 - Discounts 24.09 = 0.00,
+    // against a stated total of 14.64. DoorDash prints this; it is not a parse
+    // artefact. Recorded here so nobody "fixes" the parser to force it to sum.
+    const p = parseOrderHTML(html("dd-01"), meta());
+    expect(p.totals.subtotal).toBe(22.10);
+    expect(p.totals.discounts).toBe(24.09);
+    expect(validateOrderTotals(p, html("dd-01")).ok).toBe(true);
+  });
+
+  it("derives order_reference from the message, never randomly (I7)", () => {
+    const m = meta({ messageId: "abc123" });
+    const a = parseOrderHTML(html("dd-01"), m);
+    const b = parseOrderHTML(html("dd-01"), m);
+    expect(a.order_reference).toBe(b.order_reference);
+    expect(a.order_reference).toBe("msg:abc123");
+  });
+
+  it("uses Uber's embedded order UUID as the reference", () => {
+    const p = parseOrderHTML(
+      html("ue-00"),
+      meta({ subject: "Your Wednesday afternoon order with Uber Eats", sender: "uber.com" })
+    );
+    expect(p.order_reference).toMatch(/^[0-9a-f-]{36}$/);
+    expect(p.platform).toBe("ubereats");
+  });
+
+  it("takes the order date from the message, not a body string", () => {
+    const p = parseOrderHTML(html("dd-01"), meta({ receivedAt: "2026-07-16T03:34:00Z" }));
+    expect(p.order_datetime.slice(0, 10)).toBe("2026-07-16");
+  });
+
+  it("detects [Family] from the subject prefix, not a body substring (I11)", () => {
+    const fam = parseOrderHTML(
+      html("ue-04"),
+      meta({ subject: "[Family] Your Tuesday evening order with Uber Eats", sender: "uber.com" })
+    );
+    expect(fam.is_family).toBe(true);
+    const notFam = parseOrderHTML(html("dd-01"), meta());
+    expect(notFam.is_family).toBe(false);
+  });
+
+  it("reads [Family] orders as LKR, not dollars", () => {
+    const p = parseOrderHTML(
+      html("ue-04"),
+      meta({ subject: "[Family] Your Tuesday evening order with Uber Eats", sender: "uber.com" })
+    );
+    expect(p.currency).toBe("LKR");
+    expect(p.totals.total_charged).toBeCloseTo(3783.20, 2);
+  });
+
+  it("reads Swiss orders as CHF", () => {
+    const p = parseOrderHTML(
+      html("ue-26"),
+      meta({ subject: "Your Tuesday evening order with Uber Eats", sender: "uber.com" })
+    );
+    expect(p.currency).toBe("CHF");
+    expect(p.totals.total_charged).toBeCloseTo(51.23, 2);
+  });
+
+  it("skips a failed payment attempt and takes the successful one", () => {
+    // ue-09: "Visa ••••8841 LKR 4,267.01 ... Failed" then "LKR 3,757.01".
+    const p = parseOrderHTML(
+      html("ue-09"),
+      meta({ subject: "[Family] Your Sunday evening order with Uber Eats", sender: "uber.com" })
+    );
+    expect(p.totals.total_charged).toBeCloseTo(3757.01, 2);
+    expect(validateOrderTotals(p, html("ue-09")).ok).toBe(true);
+  });
+
+  it("rejects an order-adjustment notice rather than booking $0.00", () => {
+    // NotAReceiptError, not OrderParseError: this is expected traffic, so it
+    // must be skipped silently. Only a receipt that fails to parse should
+    // alert — see the ingest API's error taxonomy.
+    expect(() =>
+      parseOrderHTML(html("dd-08"), meta({ subject: "Order Confirmation for Siddharth from ALDI" }))
+    ).toThrow(NotAReceiptError);
+  });
+
+  it("rejects a refund notice rather than inserting a duplicate order", () => {
+    expect(() =>
+      parseOrderHTML(html("ue-05"), meta({ subject: "Your Tuesday evening order with Uber Eats", sender: "uber.com" }))
+    ).toThrow(/refund/i);
+  });
+
+  it("reads a grocery Final receipt that has no Total Charged row", () => {
+    const p = parseOrderHTML(
+      html("dd-10"),
+      meta({ subject: "Order Confirmation for Siddharth from Woolworths" })
+    );
+    expect(p.totals.total_charged).toBeCloseTo(60.93, 2);
+    expect(p.payment.ambiguous).toBe(true); // "8032 and/or credits"
+  });
+});
+
+describe("Order ingestion — invariants", () => {
+  beforeEach(async () => {
+    await queryRaw(`DELETE FROM expense_metadata WHERE source = 'email'`);
+    await queryRaw(`DELETE FROM transactions WHERE description LIKE 'Order - %'`);
+  });
+
+  it("I6: a credits order creates one transaction at face value", async () => {
+    const p = parseOrderHTML(html("dd-01"), meta());
+    const res = await processOrderIngestion(p);
+    expect(res.transactionId).not.toBeNull();
+    const txn = await queryRow<{ amount: string; payment_method: string; category: string }>(
+      `SELECT amount::text, payment_method, category FROM transactions WHERE id = $1`,
+      [res.transactionId]
+    );
+    expect(Number(txn!.amount)).toBe(14.64);
+    expect(txn!.payment_method).toBe("credits");
+    expect(txn!.category).toBe("dining");
+  });
+
+  it("I7: re-ingesting the same receipt creates nothing new", async () => {
+    const p = parseOrderHTML(html("dd-01"), meta({ messageId: "dedupe-1" }));
+    const a = await processOrderIngestion(p);
+    const b = await processOrderIngestion(parseOrderHTML(html("dd-01"), meta({ messageId: "dedupe-1" })));
+    expect(b.skipped).toBe("already_ingested");
+    expect(b.metadataId).toBe(a.metadataId);
+    const n = await queryRow<{ c: string }>(
+      `SELECT count(*)::text c FROM transactions WHERE description = 'Order - Mad Mex'`
+    );
+    expect(Number(n!.c)).toBe(1);
+  });
+
+  it("I1: a credits order before the cutover is refused", async () => {
+    const p = parseOrderHTML(html("dd-01"), meta({ receivedAt: "2025-11-15T12:00:00Z" }));
+    const res = await processOrderIngestion(p);
+    expect(res.skipped).toBe("pre_cutover");
+    expect(res.transactionId).toBeNull();
+    await expect(
+      queryRaw(
+        `INSERT INTO transactions (transaction_date, amount, payment_method) VALUES ('2025-11-15', 20.00, 'credits')`
+      )
+    ).rejects.toThrow();
+  });
+
+  it("I11: a [Family] order is imported, tagged, and excluded from spend", async () => {
+    const p = parseOrderHTML(
+      html("ue-04"),
+      meta({ subject: "[Family] Your Tuesday evening order with Uber Eats", sender: "uber.com", receivedAt: "2026-07-07T10:08:00Z" })
+    );
+    const res = await processOrderIngestion(p);
+    expect(res.transactionId).not.toBeNull();
+    expect(res.flags).toContain("family_payment_assumed_credits");
+  });
+
+  it("a foreign-currency order records the original amount and code", async () => {
+    const p = parseOrderHTML(
+      html("ue-26"),
+      meta({ subject: "Your Tuesday evening order with Uber Eats", sender: "uber.com", receivedAt: "2026-04-07T08:53:00Z" })
+    );
+    // Card-settled Swiss order: no credits leg, so no transaction (I5).
+    const res = await processOrderIngestion(p);
+    expect(res.transactionId).toBeNull();
+    const meta_ = await queryRow<{ currency: string }>(
+      `SELECT currency FROM expense_metadata WHERE id = $1`,
+      [res.metadataId]
+    );
+    expect(meta_!.currency).toBe("CHF");
+  });
+
+  it("parks an unresolvable split instead of guessing, then resolves it once the statement lands", async () => {
+    const p = parseOrderHTML(
+      html("dd-10"),
+      meta({ subject: "Order Confirmation for Siddharth from Woolworths", receivedAt: "2026-03-02T12:00:00Z" })
+    );
+    const res = await processOrderIngestion(p);
+    expect(res.transactionId).toBeNull();
+    expect(res.flags).toContain("awaiting_card_statement");
+
+    // Statement arrives: card 8032 took 40.93 of the 60.93 order.
+    const st = await queryRow<{ id: number }>(
+      `INSERT INTO statements (bank_name, account_number, filename)
+       VALUES ('Westpac','5163103015778032','test-westpac-2026-03.pdf') RETURNING id`
+    );
+    await queryRaw(
+      `INSERT INTO transactions (statement_id, transaction_date, description, amount, transaction_type)
+       VALUES ($1, '2026-03-02', 'DD *DOORDASH WOOLWORTHS MELBOURNE AUS', 40.93, 'debit')`,
+      [st!.id]
+    );
+
+    const out = await reconcilePendingOrders();
+    expect(out.resolved).toBeGreaterThanOrEqual(1);
+    expect(out.created).toBeGreaterThanOrEqual(1);
+
+    const credits = await queryRow<{ amount: string }>(
+      `SELECT t.amount::text FROM transactions t
+        JOIN expense_metadata em ON em.transaction_id = t.id
+       WHERE em.id = $1`,
+      [res.metadataId]
+    );
+    expect(Number(credits!.amount)).toBeCloseTo(20.00, 2); // 60.93 - 40.93
+  });
+
+  it("reconciliation is idempotent — a second pass creates nothing", async () => {
+    const before = await queryRow<{ c: string }>(`SELECT count(*)::text c FROM transactions`);
+    const out = await reconcilePendingOrders();
+    const after = await queryRow<{ c: string }>(`SELECT count(*)::text c FROM transactions`);
+    expect(out.created).toBe(0);
+    expect(after!.c).toBe(before!.c);
+  });
+
+  it("EXCLUDE_NON_SPEND removes family-tagged rows", async () => {
+    const txn = await queryRow<{ id: number }>(
+      `INSERT INTO transactions (transaction_date, description, amount, category, transaction_type)
+       VALUES ('2026-03-01','Order - Family Test', 50.00, 'dining', 'debit') RETURNING id`
+    );
+    const tag = await queryRow<{ id: number }>(
+      `INSERT INTO tags (name, color) VALUES ('family','#ef4444')
+       ON CONFLICT (name) DO UPDATE SET name = EXCLUDED.name RETURNING id`
+    );
+    await queryRaw(`INSERT INTO transaction_tags (transaction_id, tag_id) VALUES ($1,$2)`, [txn!.id, tag!.id]);
+
+    const visible = await queryRaw(
+      `SELECT t.id FROM transactions t
+        LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
+       WHERE t.id = $1 AND (${EXCLUDE_NON_SPEND})`,
+      [txn!.id]
+    );
+    expect(visible).toHaveLength(0);
+  });
+});
+
+describe("Refund amendments", () => {
+  const ueMeta = (over = {}) => meta({
+    subject: "Your Tuesday evening order with Uber Eats",
+    sender: "uber.com",
+    receivedAt: "2026-07-07T08:17:00Z",
+    ...over,
+  });
+
+  it("parses a refund notice into an amendment, not an order", () => {
+    const a = parseOrderAmendment(html("ue-05"), ueMeta());
+    expect(a.previous_total).toBeCloseTo(49.94, 2);
+    expect(a.refund_amount).toBeCloseTo(4.21, 2);
+    expect(a.new_total).toBeCloseTo(45.73, 2);
+    expect(a.order_reference).toMatch(/^[0-9a-f-]{36}$/);
+  });
+
+  it("reduces the original transaction instead of adding a second row", async () => {
+    // Seed the original order this amendment refers to.
+    const a = parseOrderAmendment(html("ue-05"), ueMeta());
+    const txn = await queryRow<{ id: number }>(
+      `INSERT INTO transactions (transaction_date, description, amount, amount_aud, category, payment_method, transaction_type)
+       VALUES ('2026-07-07','Order - Coles (Wyndham Vale)', 49.94, 49.94, 'groceries', 'credits', 'debit')
+       RETURNING id`
+    );
+    await queryRaw(
+      `INSERT INTO expense_metadata (transaction_id, source, order_reference, amount, transaction_date, flags)
+       VALUES ($1,'email',$2, 49.94, '2026-07-07', '[]'::jsonb)`,
+      [txn!.id, a.order_reference]
+    );
+
+    const before = await queryRow<{ c: string }>(`SELECT count(*)::text c FROM transactions`);
+    const res = await applyOrderAmendment(a);
+    const after = await queryRow<{ c: string }>(`SELECT count(*)::text c FROM transactions`);
+
+    expect(res.matched).toBe(true);
+    expect(after!.c).toBe(before!.c); // amended in place, no second row
+    const updated = await queryRow<{ amount: string }>(
+      `SELECT amount::text FROM transactions WHERE id = $1`,
+      [txn!.id]
+    );
+    expect(Number(updated!.amount)).toBeCloseTo(45.73, 2);
+  });
+
+  it("invents nothing when the original order was never ingested", async () => {
+    const a = parseOrderAmendment(html("ue-05"), ueMeta());
+    await queryRaw(`DELETE FROM expense_metadata WHERE order_reference = $1`, [a.order_reference]);
+    const res = await applyOrderAmendment(a);
+    expect(res.matched).toBe(false);
+    expect(res.transactionId).toBeNull();
+  });
+});
+
+describe("[Family] orders import rather than park", () => {
+  it("records a family order as credits and tags it", async () => {
+    const p = parseOrderHTML(
+      html("ue-04"),
+      meta({ subject: "[Family] Your Tuesday evening order with Uber Eats", sender: "uber.com", receivedAt: "2026-07-07T10:08:00Z" })
+    );
+    expect(p.flags).toContain("family_payment_assumed_credits");
+
+    const res = await processOrderIngestion(p);
+    expect(res.transactionId).not.toBeNull();
+
+    const tag = await queryRow<{ name: string }>(
+      `SELECT tg.name FROM transaction_tags tt JOIN tags tg ON tg.id = tt.tag_id
+        WHERE tt.transaction_id = $1`,
+      [res.transactionId]
+    );
+    expect(tag!.name).toBe("family");
+
+    // LKR is preserved, and amount_aud stays NULL — no FX rate is available.
+    const txn = await queryRow<{ foreign_currency_code: string; amount_aud: string | null }>(
+      `SELECT foreign_currency_code, amount_aud::text FROM transactions WHERE id = $1`,
+      [res.transactionId]
+    );
+    expect(txn!.foreign_currency_code).toBe("LKR");
+    expect(txn!.amount_aud).toBeNull();
+
+    // And it must not reach spend.
+    const visible = await queryRaw(
+      `SELECT t.id FROM transactions t
+        LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
+       WHERE t.id = $1 AND (${EXCLUDE_NON_SPEND})`,
+      [res.transactionId]
+    );
+    expect(visible).toHaveLength(0);
+  });
+});
@@ -0,0 +1,166 @@
+import { describe, it, expect } from "vitest";
+import { readFileSync } from "fs";
+import { resolve } from "path";
+import {
+  parseOrderHTML,
+  validateOrderTotals,
+  resolveCategory,
+  OrderParseError,
+  NotAReceiptError,
+  type MessageMeta,
+  type ParsedOrder,
+} from "../../lib/order-ingestion";
+
+/**
+ * Rewritten 2026-07-26. The previous unit suite exercised synthetic fixtures
+ * built to satisfy the parser, so it passed while the parser could not read a
+ * real email. These run against unmodified captured receipts.
+ */
+const dir = resolve(__dirname, "../fixtures/orders/real");
+const html = (f: string) => readFileSync(resolve(dir, `${f}.html`), "utf-8");
+const meta = (over: Partial<MessageMeta> = {}): MessageMeta => ({
+  messageId: "unit-1",
+  subject: "Order Confirmation for Siddharth from Mad Mex",
+  receivedAt: "2026-07-16T03:34:00Z",
+  sender: "DoorDash Order <no-reply@doordash.com>",
+  ...over,
+});
+
+describe("payment detection", () => {
+  it("credits-only", () => {
+    const p = parseOrderHTML(html("dd-01"), meta());
+    expect(p.payment.credits_amount).toBe(14.64);
+    expect(p.payment.card_last4).toBeNull();
+    expect(p.payment.ambiguous).toBe(false);
+  });
+
+  it("card-only produces no credits figure", () => {
+    const p = parseOrderHTML(
+      html("dd-27"),
+      meta({ subject: "Order Confirmation for Siddharth from Subway" })
+    );
+    expect(p.payment.card_last4).toBe("8032");
+    expect(p.payment.credits_amount).toBeNull();
+  });
+
+  it("'and/or credits' is ambiguous, not silently credits", () => {
+    // Regression: an earlier regex delimited the payment line on a double
+    // space, which whitespace collapsing removes. Every card and mixed receipt
+    // fell through to the credits branch — this one booked the whole $60.93 as
+    // credits spend that never happened.
+    const p = parseOrderHTML(
+      html("dd-10"),
+      meta({ subject: "Order Confirmation for Siddharth from Woolworths" })
+    );
+    expect(p.payment.ambiguous).toBe(true);
+    expect(p.payment.card_last4).toBe("8032");
+    expect(p.payment.credits_amount).toBeNull();
+  });
+});
+
+describe("validateOrderTotals", () => {
+  const base = (over: Partial<ParsedOrder> = {}): ParsedOrder => ({
+    order_reference: "x",
+    platform: "doordash",
+    merchant_name: "M",
+    order_datetime: "2026-03-01T00:00:00Z",
+    currency: "AUD",
+    payment: { credits_amount: 10, card_amount: null, card_last4: null, ambiguous: false },
+    totals: {
+      subtotal: null, taxes: null, delivery_fee: null,
+      service_fee: null, tip: null, discounts: null, total_charged: 10,
+    },
+    line_items: [],
+    is_family: false,
+    flags: [],
+    ...over,
+  });
+
+  it("rejects a non-positive total", () => {
+    const o = base();
+    o.totals.total_charged = 0;
+    expect(validateOrderTotals(o).ok).toBe(false);
+  });
+
+  it("rejects payments that do not account for the total", () => {
+    const r = validateOrderTotals(
+      base({ payment: { credits_amount: 5, card_amount: null, card_last4: null, ambiguous: false } })
+    );
+    expect(r.ok).toBe(false);
+    expect(r.reason).toMatch(/payments sum/);
+  });
+
+  it("accepts a matching total", () => {
+    expect(validateOrderTotals(base()).ok).toBe(true);
+  });
+
+  it("does not gate on DoorDash's non-reconciling fee breakdown", () => {
+    const p = parseOrderHTML(html("dd-01"), meta());
+    expect(p.totals.subtotal).toBe(22.10);
+    expect(p.totals.discounts).toBe(24.09); // 22.10 + 1.99 — genuinely printed
+    expect(validateOrderTotals(p, html("dd-01")).ok).toBe(true);
+  });
+});
+
+describe("resolveCategory", () => {
+  const o = (merchant: string, platform: ParsedOrder["platform"] = "doordash") =>
+    ({ merchant_name: merchant, platform }) as ParsedOrder;
+
+  it("maps grocers to groceries", () => {
+    expect(resolveCategory(o("Woolworths"))).toBe("groceries");
+    expect(resolveCategory(o("ALDI"))).toBe("groceries");
+    expect(resolveCategory(o("GLOMARK Kandana", "ubereats"))).toBe("groceries");
+  });
+
+  it("maps restaurants to dining rather than 'other'", () => {
+    // The earlier six-merchant allowlist sent every one of these to `other`.
+    for (const m of ["Carl's Jr.", "Taco Bell", "Chilli India", "Oporto", "Schnitz", "Souvlaki GR"]) {
+      expect(resolveCategory(o(m))).toBe("dining");
+    }
+  });
+
+  it("maps rides to transport", () => {
+    expect(resolveCategory(o("Uber Trip", "uber"))).toBe("transport");
+  });
+});
+
+describe("parse guards", () => {
+  it("throws on a body too short to be a receipt", () => {
+    expect(() => parseOrderHTML("<html></html>", meta())).toThrow(NotAReceiptError);
+  });
+
+  it("throws rather than inventing a platform", () => {
+    expect(() =>
+      parseOrderHTML(html("dd-01"), meta({ subject: "Newsletter", sender: "someone@example.com" }))
+    ).toThrow(/platform/i);
+  });
+});
+
+describe("order_reference anchoring", () => {
+  it("takes Uber's tripReference, not the first UUID in the document", () => {
+    const p = parseOrderHTML(
+      html("ue-00"),
+      meta({ subject: "Your Wednesday afternoon order with Uber Eats", sender: "uber.com" })
+    );
+    // The UUID the PDF redirect actually resolves to for this receipt.
+    expect(p.order_reference).toBe("34d6b4ee-da8f-5029-8d14-bd359617c8e9");
+    expect(p.flags).not.toContain("order_uuid_ambiguous");
+  });
+
+  it("is stable across repeated parses of the same message", () => {
+    const m = meta({ subject: "Your Wednesday afternoon order with Uber Eats", sender: "uber.com" });
+    const a = parseOrderHTML(html("ue-00"), m).order_reference;
+    const b = parseOrderHTML(html("ue-00"), m).order_reference;
+    expect(a).toBe(b);
+  });
+
+  it("flags ambiguity only when several UUIDs and no anchor", () => {
+    // Strip the anchor from a receipt that carries multiple UUIDs (ue-09 has 6).
+    const stripped = html("ue-09").replace(/tripReference/gi, "notTheAnchor");
+    const p = parseOrderHTML(
+      stripped,
+      meta({ subject: "[Family] Your Sunday evening order with Uber Eats", sender: "uber.com" })
+    );
+    expect(p.flags).toContain("order_uuid_ambiguous");
+  });
+});
@@ -1,6 +1,7 @@
 import { NextRequest, NextResponse } from "next/server";
 import { getCurrentUser } from "@/lib/auth";
 import { queryRaw } from "@/lib/db";
+import { OWNER_SCOPE, STATEMENTS_JOIN, mySplitOf } from "@/lib/analytics-sql";

 export async function GET(req: NextRequest) {
  const user = await getCurrentUser(req);
@@ -40,17 +41,13 @@ export async function GET(req: NextRequest) {
      t.description,
      t.merchant_name,
      t.transaction_type,
-      CASE
-        WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100
-        WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100
-        ELSE COALESCE(t.amount_aud, t.amount)
-      END::numeric(12,2) AS my_amount,
-      s.bank_name
+      ${mySplitOf(`COALESCE(t.amount_aud, t.amount)`)}::numeric(12,2) AS my_amount,
+      COALESCE(s.bank_name, 'Manual') AS bank_name
    FROM transactions t
    LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
    LEFT JOIN transaction_splits ts ON ts.transaction_id = t.id AND ts.participant_id = $1
-    JOIN statements s ON s.id = t.statement_id
-    WHERE s.owner_id = $1
+    ${STATEMENTS_JOIN}
+    WHERE ${OWNER_SCOPE} = $1
      AND t.transaction_type IN ('fee', 'interest')
    ORDER BY t.transaction_date DESC`,
    [user.id]
@@ -1,6 +1,9 @@
 import { NextRequest, NextResponse } from "next/server";
 import { getCurrentUser } from "@/lib/auth";
 import { queryRaw } from "@/lib/db";
+import { OWNER_SCOPE, STATEMENTS_JOIN, EFFECTIVE_CATEGORY, mySplitOf } from "@/lib/analytics-sql";
+
+const MY_AMOUNT = mySplitOf(`COALESCE(t.amount_aud, t.amount)`);

 export async function GET(
  req: NextRequest,
@@ -31,20 +34,18 @@ export async function GET(
      t.amount,
      t.amount_aud,
      CASE
-        WHEN t.transaction_type IN ('refund', 'credit') THEN
-          -(CASE WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100 WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END)
-        ELSE
-          (CASE WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100 WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END)
+        WHEN t.transaction_type IN ('refund', 'credit') THEN -${MY_AMOUNT}
+        ELSE ${MY_AMOUNT}
      END::numeric(10,2) as my_amount,
      t.transaction_type,
-      COALESCE(o.category_override, t.category) as category,
-      s.bank_name,
+      ${EFFECTIVE_CATEGORY} as category,
+      COALESCE(s.bank_name, 'Manual') as bank_name,
      t.statement_id
    FROM transactions t
-    JOIN statements s ON s.id = t.statement_id
+    ${STATEMENTS_JOIN}
    LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
    LEFT JOIN transaction_splits ts ON ts.transaction_id = t.id AND ts.participant_id = $1
-    WHERE s.owner_id = $1
+    WHERE ${OWNER_SCOPE} = $1
      AND t.transaction_type IN ('debit', 'fee', 'interest', 'refund', 'credit')
      AND COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name, t.description) = $2
    ORDER BY t.transaction_date DESC
@@ -1,9 +1,10 @@
 import { NextRequest, NextResponse } from "next/server";
 import { getCurrentUser } from "@/lib/auth";
 import { queryRaw } from "@/lib/db";
+import { OWNER_SCOPE, STATEMENTS_JOIN, EXCLUDE_NON_SPEND, EFFECTIVE_CATEGORY, mySplitOf } from "@/lib/analytics-sql";

 // Split-adjusted amount helper (positive for spend, negative for refunds)
-const MY_AMOUNT = `CASE WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100 WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END`;
+const MY_AMOUNT = mySplitOf(`COALESCE(t.amount_aud, t.amount)`);
 const SPEND_EXPR = `
  CASE
    WHEN t.transaction_type IN ('refund', 'credit') THEN -(${MY_AMOUNT})
@@ -38,7 +39,7 @@ export async function GET(req: NextRequest) {
  }>(`
    SELECT
      COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name, t.description) as merchant,
-      MODE() WITHIN GROUP (ORDER BY COALESCE(o.category_override, t.category)) as category,
+      MODE() WITHIN GROUP (ORDER BY ${EFFECTIVE_CATEGORY}) as category,
      COUNT(*) FILTER (WHERE t.transaction_type IN ('debit', 'fee', 'interest'))::int as debit_count,
      COUNT(*) FILTER (WHERE t.transaction_type IN ('refund', 'credit'))::int as refund_count,
      COALESCE(SUM(
@@ -61,13 +62,13 @@ export async function GET(req: NextRequest) {
      MAX(t.transaction_date)::text as last_seen,
      COUNT(DISTINCT TO_CHAR(DATE_TRUNC('month', t.transaction_date::date), 'YYYY-MM'))::int as months_active
    FROM transactions t
-    JOIN statements s ON s.id = t.statement_id
+    ${STATEMENTS_JOIN}
    LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
    LEFT JOIN transaction_splits ts ON ts.transaction_id = t.id AND ts.participant_id = $1
-    WHERE s.owner_id = $1
+    WHERE ${OWNER_SCOPE} = $1
      AND t.transaction_type IN ('debit', 'fee', 'interest', 'refund', 'credit')
      AND t.transaction_date >= $2
-      AND COALESCE(o.category_override, t.category) NOT IN ('transfers', 'investment')
+      AND ${EXCLUDE_NON_SPEND}
    GROUP BY 1
    HAVING SUM(${SPEND_EXPR}) > 0
    ORDER BY net_spend DESC
@@ -86,14 +87,14 @@ export async function GET(req: NextRequest) {
        TO_CHAR(DATE_TRUNC('month', t.transaction_date::date), 'YYYY-MM') as month,
        SUM(${SPEND_EXPR})::numeric(10,2) as total
      FROM transactions t
-      JOIN statements s ON s.id = t.statement_id
+      ${STATEMENTS_JOIN}
      LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
      LEFT JOIN transaction_splits ts ON ts.transaction_id = t.id AND ts.participant_id = $1
-      WHERE s.owner_id = $1
+      WHERE ${OWNER_SCOPE} = $1
        AND t.transaction_type IN ('debit', 'fee', 'interest', 'refund', 'credit')
        AND t.transaction_date >= $2
        AND COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name, t.description) = ANY($3)
-        AND COALESCE(o.category_override, t.category) NOT IN ('transfers', 'investment')
+        AND ${EXCLUDE_NON_SPEND}
      GROUP BY 1, 2
      ORDER BY 1, 2
    `, [user.id, fromDate, topMerchants]);
@@ -1,6 +1,15 @@
 import { NextRequest, NextResponse } from "next/server";
 import { getCurrentUser } from "@/lib/auth";
 import { queryRaw } from "@/lib/db";
+import {
+  OWNER_SCOPE,
+  STATEMENTS_JOIN,
+  EFFECTIVE_CATEGORY,
+  EXCLUDE_NON_SPEND,
+  NET_SPEND_ROWS,
+  SPEND_SIGNED,
+  mySplitOf,
+} from "@/lib/analytics-sql";

 export async function GET(req: NextRequest) {
  const user = await getCurrentUser(req);
@@ -25,22 +34,16 @@ export async function GET(req: NextRequest) {
  }>(
    `SELECT
      TO_CHAR(DATE_TRUNC('month', t.transaction_date::date), 'YYYY-MM') as month,
-      COALESCE(o.category_override, t.category) as category,
-      SUM(
-        CASE
-          WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100
-          WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100
-          ELSE COALESCE(t.amount_aud, t.amount)
-        END
-      )::numeric(12,2) as total_spent,
+      ${EFFECTIVE_CATEGORY} as category,
+      SUM(${mySplitOf(SPEND_SIGNED)})::numeric(12,2) as total_spent,
      COUNT(*)::int as transaction_count
    FROM transactions t
    LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
    LEFT JOIN transaction_splits ts ON ts.transaction_id = t.id AND ts.participant_id = $1
-    JOIN statements s ON s.id = t.statement_id
-    WHERE s.owner_id = $1
-      AND t.transaction_type IN ('debit', 'fee', 'interest')
-      AND COALESCE(o.category_override, t.category) NOT IN ('transfers', 'investment')
+    ${STATEMENTS_JOIN}
+    WHERE ${OWNER_SCOPE} = $1
+      AND ${NET_SPEND_ROWS}
+      AND ${EXCLUDE_NON_SPEND}
      AND t.transaction_date >= $2
      AND t.transaction_date < $3
    GROUP BY 1, 2
@@ -60,10 +63,10 @@ export async function GET(req: NextRequest) {
      COUNT(*)::int as transaction_count
    FROM transactions t
    LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
-    JOIN statements s ON s.id = t.statement_id
-    WHERE s.owner_id = $1
+    ${STATEMENTS_JOIN}
+    WHERE ${OWNER_SCOPE} = $1
      AND t.transaction_type IN ('credit', 'payment')
-      AND COALESCE(o.category_override, t.category) = 'income'
+      AND ${EFFECTIVE_CATEGORY} = 'income'
      AND t.transaction_date >= $2
      AND t.transaction_date < $3
    GROUP BY 1
@@ -83,9 +86,9 @@ export async function GET(req: NextRequest) {
      COUNT(*)::int as transaction_count
    FROM transactions t
    LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
-    JOIN statements s ON s.id = t.statement_id
-    WHERE s.owner_id = $1
-      AND COALESCE(o.category_override, t.category) = 'investment'
+    ${STATEMENTS_JOIN}
+    WHERE ${OWNER_SCOPE} = $1
+      AND ${EFFECTIVE_CATEGORY} = 'investment'
      AND t.transaction_date >= $2
      AND t.transaction_date < $3
    GROUP BY 1
@@ -1,6 +1,7 @@
 import { NextRequest, NextResponse } from "next/server";
 import { getCurrentUser } from "@/lib/auth";
 import { queryRaw } from "@/lib/db";
+import { OWNER_SCOPE, STATEMENTS_JOIN, EXCLUDE_NON_SPEND, EFFECTIVE_CATEGORY, mySplitOf } from "@/lib/analytics-sql";

 export async function GET(req: NextRequest) {
  const user = await getCurrentUser(req);
@@ -20,19 +21,16 @@ export async function GET(req: NextRequest) {
    `WITH merchant_txns AS (
      SELECT
        COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) AS merchant,
-        COALESCE(o.category_override, t.category) AS category,
+        ${EFFECTIVE_CATEGORY} AS category,
        t.transaction_date,
-        CASE
-          WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100
-          WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100
-          ELSE COALESCE(t.amount_aud, t.amount)
-        END AS my_amount
+        ${mySplitOf(`COALESCE(t.amount_aud, t.amount)`)} AS my_amount
      FROM transactions t
      LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
      LEFT JOIN transaction_splits ts ON ts.transaction_id = t.id AND ts.participant_id = $1
-      JOIN statements s ON s.id = t.statement_id
-      WHERE s.owner_id = $1
+      ${STATEMENTS_JOIN}
+      WHERE ${OWNER_SCOPE} = $1
        AND t.transaction_type IN ('debit', 'fee')
+        AND ${EXCLUDE_NON_SPEND}
        AND COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) IS NOT NULL
    ),
    merchant_with_lag AS (
@@ -48,7 +46,7 @@ export async function GET(req: NextRequest) {
      SELECT
        merchant,
        MODE() WITHIN GROUP (ORDER BY category) AS category,
-        COUNT(*) + 1 AS occurrences,
+        (COUNT(*) + 1)::int AS occurrences,
        AVG(my_amount)::numeric(12,2) AS avg_amount,
        MIN(transaction_date) AS first_seen,
        MAX(transaction_date) AS last_seen,
@@ -1,7 +1,10 @@
 import { NextRequest, NextResponse } from "next/server";
 import { getMerchantSuggestions, getBankNames } from "@/lib/queries";
+import { getCurrentUser } from "@/lib/auth";

 export async function GET(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
  const search = req.nextUrl.searchParams.get("search");
  const type = req.nextUrl.searchParams.get("type");

@@ -0,0 +1,117 @@
+import { NextRequest, NextResponse } from "next/server";
+import {
+  parseOrderHTML,
+  parseOrderAmendment,
+  isAmendment,
+  validateOrderTotals,
+  processOrderIngestion,
+  applyOrderAmendment,
+  reconcilePendingOrders,
+  OrderParseError,
+  NotAReceiptError,
+  type MessageMeta,
+} from "@/lib/order-ingestion";
+
+/**
+ * Machine ingest endpoint for order receipts.
+ *
+ * n8n polls the two mailboxes and POSTs each message here. The parsing lives in
+ * the app, not in an n8n Code node, because the n8n sandbox has no `require`
+ * and no filesystem — a parser there could not be unit-tested against the real
+ * fixture corpus, which is the whole reason this one is trustworthy.
+ *
+ * Auth is a shared secret, not the Traefik `x-forwarded-user` header: this is
+ * called machine-to-machine and there is no browser session to forward.
+ */
+function authorised(req: NextRequest): boolean {
+  const expected = process.env.ORDER_INGEST_TOKEN;
+  if (!expected) return false; // fail closed when unconfigured
+  const got = req.headers.get("x-ingest-token");
+  return !!got && got === expected;
+}
+
+export async function POST(req: NextRequest) {
+  if (!authorised(req)) {
+    return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+  }
+
+  let body: { html?: string; meta?: MessageMeta; dryRun?: boolean };
+  try {
+    body = await req.json();
+  } catch {
+    return NextResponse.json({ error: "invalid JSON" }, { status: 400 });
+  }
+
+  const { html, meta, dryRun } = body;
+  if (!html || !meta?.messageId || !meta?.subject || !meta?.receivedAt) {
+    return NextResponse.json(
+      { error: "html and meta{messageId,subject,receivedAt} are required" },
+      { status: 400 }
+    );
+  }
+
+  try {
+    // Amendments restate an existing order; they are not receipts.
+    if (isAmendment(html)) {
+      const amendment = parseOrderAmendment(html, meta);
+      if (dryRun) return NextResponse.json({ kind: "amendment", amendment });
+      const applied = await applyOrderAmendment(amendment);
+      return NextResponse.json({ kind: "amendment", amendment, applied });
+    }
+
+    const order = parseOrderHTML(html, meta);
+
+    const check = validateOrderTotals(order, html);
+    if (!check.ok) {
+      // Refuse rather than record a number we cannot stand behind.
+      return NextResponse.json(
+        { kind: "rejected", reason: check.reason, order_reference: order.order_reference },
+        { status: 422 }
+      );
+    }
+
+    if (dryRun) return NextResponse.json({ kind: "order", order });
+
+    const result = await processOrderIngestion(order, { messageId: meta.messageId });
+    return NextResponse.json({
+      kind: "order",
+      order_reference: order.order_reference,
+      merchant: order.merchant_name,
+      total: order.totals.total_charged,
+      currency: order.currency,
+      is_family: order.is_family,
+      ...result,
+    });
+  } catch (e) {
+    // Not a receipt: promotions, delivery updates, adjustment and refund
+    // notices. Expected traffic — 200 and silent, or the alert channel fills
+    // with noise and stops being read.
+    if (e instanceof NotAReceiptError) {
+      return NextResponse.json({ kind: "skipped", reason: e.message });
+    }
+
+    // IS a receipt, could not be parsed. This is the failure that matters and
+    // it must be loud: a provider template change breaks every order at once,
+    // and the only other symptom is spend quietly ceasing to appear. Returning
+    // 200 here — as this route originally did — made the most likely
+    // production failure completely invisible.
+    if (e instanceof OrderParseError) {
+      return NextResponse.json(
+        { kind: "parse_failed", reason: e.message, messageId: e.messageId },
+        { status: 422 }
+      );
+    }
+
+    const message = e instanceof Error ? e.message : String(e);
+    return NextResponse.json({ error: message }, { status: 500 });
+  }
+}
+
+/** Statement-import hook: resolve orders parked awaiting a card statement. */
+export async function PATCH(req: NextRequest) {
+  if (!authorised(req)) {
+    return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+  }
+  const out = await reconcilePendingOrders();
+  return NextResponse.json(out);
+}
@@ -1,5 +1,6 @@
 import { NextRequest, NextResponse } from "next/server";
 import { queryRaw } from "@/lib/db";
+import { getCurrentUser } from "@/lib/auth";

 interface BalanceRow {
  participant_id: number;
@@ -9,14 +10,16 @@ interface BalanceRow {
 }

 export async function GET(
-  _req: NextRequest,
+  req: NextRequest,
  { params }: { params: Promise<{ id: string }> }
 ) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
  const { id } = await params;

  const rows = await queryRaw<BalanceRow>(
    `SELECT ts.participant_id, p.name,
-       SUM(t.amount * ts.share_percent / 100)::numeric(12,2) as total_owed,
+       SUM(COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100)::numeric(12,2) as total_owed,
       COUNT(*)::int as transaction_count
     FROM transaction_splits ts
     JOIN transactions t ON t.id = ts.transaction_id
@@ -0,0 +1,127 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+import { queryRaw } from "@/lib/db";
+import { getTransactions } from "@/lib/queries";
+import { evaluateCondition, type Condition, type Actions } from "@/lib/rules";
+
+/**
+ * Dry run: which transactions would this rule touch, and what would change?
+ *
+ * Nothing is written. This exists so a rule can be inspected before it is
+ * applied — the apply path (POST /api/transactions/bulk with action
+ * "apply_rule") takes an explicit list of ids, so the flow is preview, pick,
+ * then apply.
+ *
+ * Matches are split into two groups because they need different attention:
+ * `changes` are rows the rule would actually alter, `noops` already have the
+ * value the rule would set. A merchant-normalisation rule matching 400 rows
+ * where 380 are already correct is 20 changes and 380 rows of noise.
+ */
+
+interface Change {
+  field: "category" | "merchant" | "tags" | "split";
+  from: string | null;
+  to: string;
+}
+
+export async function GET(
+  req: NextRequest,
+  { params }: { params: Promise<{ id: string }> }
+) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
+
+  const { id } = await params;
+  const rules = await queryRaw<{
+    id: number; name: string; conditions: unknown; actions: unknown;
+  }>(
+    `SELECT id, name, conditions, actions FROM rules WHERE id = $1 AND owner_id = $2`,
+    [Number(id), user.id]
+  );
+  if (!rules.length) return NextResponse.json({ error: "Rule not found" }, { status: 404 });
+
+  const rule = rules[0];
+  const conditions = (typeof rule.conditions === "string"
+    ? JSON.parse(rule.conditions) : rule.conditions) as Condition[];
+  const actions = (typeof rule.actions === "string"
+    ? JSON.parse(rule.actions) : rule.actions) as Actions;
+
+  const { searchParams } = new URL(req.url);
+  const statementId = searchParams.get("statement_id");
+  const limit = Math.min(2000, Math.max(1, Number(searchParams.get("limit") || "500")));
+
+  const { data: transactions } = await getTransactions(user.id, {
+    limit: 100000,
+    offset: 0,
+    ...(statementId ? { statement_id: statementId } : {}),
+  });
+
+  // A rule with no conditions matches every transaction. That is how the apply
+  // endpoint behaves too, so the preview must show it rather than hide it —
+  // seeing "matches 3,721" is the point.
+  const matchAll = conditions.length === 0;
+
+  const tagIds = new Set(actions.add_tag_ids ?? []);
+  const splitTarget = actions.apply_split ?? [];
+
+  const changes: unknown[] = [];
+  let noops = 0;
+
+  for (const tx of transactions) {
+    if (!matchAll && !conditions.every((c) => evaluateCondition(c, tx))) continue;
+
+    const diff: Change[] = [];
+
+    if (actions.set_category && tx.effective_category !== actions.set_category) {
+      diff.push({ field: "category", from: tx.effective_category ?? null, to: actions.set_category });
+    }
+    if (actions.set_merchant && tx.effective_merchant !== actions.set_merchant) {
+      diff.push({ field: "merchant", from: tx.effective_merchant ?? null, to: actions.set_merchant });
+    }
+    if (tagIds.size) {
+      const have = new Set((tx.tags ?? []).map((t) => t.id));
+      const missing = [...tagIds].filter((t) => !have.has(t));
+      if (missing.length) {
+        diff.push({ field: "tags", from: null, to: missing.join(",") });
+      }
+    }
+    if (splitTarget.length) {
+      // Compare the participant/share set the rule would write against what is
+      // already there; a re-run that changes nothing should not look like work.
+      const have = new Map((tx.splits ?? []).map((s) => [s.participant_id, Number(s.share_percent)]));
+      const differs = splitTarget.length !== have.size
+        || splitTarget.some((s) => have.get(s.participant_id) !== Number(s.share_percent));
+      if (differs) {
+        diff.push({
+          field: "split",
+          from: [...have.entries()].map(([p, s]) => `${p}:${s}%`).join(" ") || null,
+          to: splitTarget.map((s) => `${s.participant_id}:${s.share_percent}%`).join(" "),
+        });
+      }
+    }
+
+    if (diff.length === 0) { noops++; continue; }
+
+    changes.push({
+      id: tx.id,
+      transaction_date: tx.transaction_date,
+      description: tx.description,
+      amount: tx.amount,
+      amount_aud: tx.amount_aud,
+      currency: tx.currency,
+      bank_name: tx.bank_name,
+      effective_merchant: tx.effective_merchant,
+      effective_category: tx.effective_category,
+      changes: diff,
+    });
+  }
+
+  return NextResponse.json({
+    rule: { id: rule.id, name: rule.name, matches_everything: matchAll },
+    total_matched: changes.length + noops,
+    would_change: changes.length,
+    already_correct: noops,
+    transactions: changes.slice(0, limit),
+    truncated: changes.length > limit,
+  });
+}
@@ -22,6 +22,7 @@ export async function PATCH(req: NextRequest, { params }: { params: Promise<{ id
      ...(body.conditions !== undefined && { conditions: body.conditions }),
      ...(body.actions !== undefined && { actions: body.actions }),
      ...(body.enabled !== undefined && { enabled: body.enabled }),
+      ...(body.manual_only !== undefined && { manual_only: body.manual_only }),
      ...(body.priority !== undefined && { priority: body.priority }),
    },
  });
@@ -3,15 +3,7 @@ import { getCurrentUser } from "@/lib/auth";
 import { queryRaw } from "@/lib/db";
 import { getTransactions } from "@/lib/queries";
 import { evaluateCondition, type Condition, type Actions } from "@/lib/rules";
-
-interface SnapshotEntry {
-  transaction_id: number;
-  had_override: boolean;
-  prev_category_override: string | null;
-  prev_merchant_normalized: string | null;
-  prev_tag_ids: number[];
-  prev_splits: { participant_id: number; share_percent: number; settled: boolean }[];
-}
+import { applyRuleActions, captureSnapshot } from "@/lib/rule-actions";


 export async function GET(req: NextRequest) {
@@ -25,8 +17,12 @@ export async function GET(req: NextRequest) {
    matched: number;
    transactions_affected: number;
    reverted_at: string | null;
+    rule_id: number | null;
+    rule_name: string | null;
+    source: string | null;
  }>(
-    `SELECT id, applied_at, split_from, matched, transactions_affected, reverted_at
+    `SELECT id, applied_at, split_from, matched, transactions_affected, reverted_at,
+            rule_id, rule_name, source
     FROM rule_apply_runs WHERE owner_id = $1 ORDER BY applied_at DESC LIMIT 20`,
    [user.id]
  );
@@ -42,10 +38,16 @@ export async function POST(req: NextRequest) {
  const splitFrom = body.splitFrom || null;
  const ruleId = body.ruleId || null;

-  const rules = await queryRaw<{ id: number; conditions: unknown; actions: unknown }>(
+  // Manual-only rules ("quick actions") never take part in a condition-matched
+  // run — their conditions are typically empty, so they would match every
+  // transaction. They are fired from the transactions page against a selection.
+  const rules = await queryRaw<{ id: number; name: string; conditions: unknown; actions: unknown }>(
    ruleId
-      ? `SELECT id, conditions, actions FROM rules WHERE owner_id = $1 AND id = $2`
-      : `SELECT id, conditions, actions FROM rules WHERE owner_id = $1 AND enabled = true ORDER BY priority DESC`,
+      ? `SELECT id, name, conditions, actions FROM rules
+         WHERE owner_id = $1 AND id = $2 AND manual_only = false`
+      : `SELECT id, name, conditions, actions FROM rules
+         WHERE owner_id = $1 AND enabled = true AND manual_only = false
+         ORDER BY priority DESC`,
    ruleId ? [user.id, ruleId] : [user.id]
  );

@@ -70,51 +72,7 @@ export async function POST(req: NextRequest) {
  }

  // --- Capture before-state for all matched transactions (batched) ---
-  const snapshot: SnapshotEntry[] = [];
-  if (matchedIds.size > 0) {
-    const ids = Array.from(matchedIds);
-    const idList = ids.join(",");
-
-    const overrides = await queryRaw<{ transaction_id: number; category_override: string | null; merchant_normalized: string | null }>(
-      `SELECT transaction_id, category_override, merchant_normalized FROM transaction_overrides WHERE transaction_id = ANY($1::int[])`,
-      [ids]
-    );
-    const overrideMap = new Map(overrides.map((o) => [o.transaction_id, o]));
-
-    const tagRows = await queryRaw<{ transaction_id: number; tag_id: number }>(
-      `SELECT transaction_id, tag_id FROM transaction_tags WHERE transaction_id = ANY($1::int[])`,
-      [ids]
-    );
-    const tagMap = new Map<number, number[]>();
-    for (const row of tagRows) {
-      if (!tagMap.has(row.transaction_id)) tagMap.set(row.transaction_id, []);
-      tagMap.get(row.transaction_id)!.push(row.tag_id);
-    }
-
-    const splitRows = await queryRaw<{ transaction_id: number; participant_id: number; share_percent: number; settled: boolean }>(
-      `SELECT transaction_id, participant_id, share_percent, settled FROM transaction_splits WHERE transaction_id = ANY($1::int[])`,
-      [ids]
-    );
-    const splitMap = new Map<number, { participant_id: number; share_percent: number; settled: boolean }[]>();
-    for (const row of splitRows) {
-      if (!splitMap.has(row.transaction_id)) splitMap.set(row.transaction_id, []);
-      splitMap.get(row.transaction_id)!.push({ participant_id: row.participant_id, share_percent: row.share_percent, settled: row.settled });
-    }
-
-    for (const id of ids) {
-      const ov = overrideMap.get(id);
-      snapshot.push({
-        transaction_id: id,
-        had_override: !!ov,
-        prev_category_override: ov?.category_override ?? null,
-        prev_merchant_normalized: ov?.merchant_normalized ?? null,
-        prev_tag_ids: tagMap.get(id) ?? [],
-        prev_splits: splitMap.get(id) ?? [],
-      });
-    }
-
-    void idList; // suppress unused warning
-  }
+  const snapshot = await captureSnapshot(Array.from(matchedIds));

  // --- Apply rules ---
  let matched = 0;
@@ -128,46 +86,21 @@ export async function POST(req: NextRequest) {
      matched++;
      affectedIds.add(tx.id);

-      if (actions.set_category || actions.set_merchant) {
-        await queryRaw(
-          `INSERT INTO transaction_overrides (transaction_id, category_override, merchant_normalized)
-           VALUES ($1, $2, $3)
-           ON CONFLICT (transaction_id) DO UPDATE SET
-             category_override = COALESCE($2, transaction_overrides.category_override),
-             merchant_normalized = COALESCE($3, transaction_overrides.merchant_normalized),
-             updated_at = NOW()`,
-          [tx.id, actions.set_category || null, actions.set_merchant || null]
-        );
-      }
-
-      if (actions.add_tag_ids?.length) {
-        for (const tagId of actions.add_tag_ids) {
-          await queryRaw(
-            `INSERT INTO transaction_tags (transaction_id, tag_id) VALUES ($1, $2) ON CONFLICT DO NOTHING`,
-            [tx.id, tagId]
-          );
-        }
-      }
-
-      if (actions.apply_split?.length) {
-        if (splitFrom && tx.transaction_date < splitFrom) continue;
-        await queryRaw(`DELETE FROM transaction_splits WHERE transaction_id = $1`, [tx.id]);
-        for (const s of actions.apply_split) {
-          await queryRaw(
-            `INSERT INTO transaction_splits (transaction_id, participant_id, share_percent)
-             VALUES ($1, $2, $3) ON CONFLICT DO NOTHING`,
-            [tx.id, s.participant_id, s.share_percent]
-          );
-        }
-      }
+      // splitFrom holds the split back to transactions on/after that date;
+      // category/merchant/tags still apply to everything matched.
+      await applyRuleActions(tx.id, actions, {
+        skipSplit: !!splitFrom && tx.transaction_date < splitFrom,
+      });
    }
  }

  // --- Save run record ---
  const run = await queryRaw<{ id: number }>(
-    `INSERT INTO rule_apply_runs (owner_id, split_from, matched, transactions_affected, snapshot)
-     VALUES ($1, $2, $3, $4, $5) RETURNING id`,
-    [user.id, splitFrom, matched, affectedIds.size, JSON.stringify(snapshot)]
+    `INSERT INTO rule_apply_runs (owner_id, split_from, matched, transactions_affected, snapshot,
+       rule_id, rule_name, source)
+     VALUES ($1, $2, $3, $4, $5, $6, $7, $8) RETURNING id`,
+    [user.id, splitFrom, matched, affectedIds.size, JSON.stringify(snapshot),
+     ruleId, ruleId ? (rules[0]?.name ?? null) : null, ruleId ? "rule" : "all"]
  );

  return NextResponse.json({ id: run[0].id, matched, transactions_affected: affectedIds.size });
@@ -12,10 +12,11 @@ export async function GET(req: NextRequest) {
    conditions: unknown;
    actions: unknown;
    enabled: boolean;
+    manual_only: boolean;
    priority: number;
    created_at: string;
  }>(
-    `SELECT id, name, conditions, actions, enabled, priority, created_at
+    `SELECT id, name, conditions, actions, enabled, manual_only, priority, created_at
     FROM rules WHERE owner_id = $1 ORDER BY priority DESC, id ASC`,
    [user.id]
  );
@@ -26,7 +27,7 @@ export async function POST(req: NextRequest) {
  const user = await getCurrentUser(req);
  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });

-  const { name, conditions, actions, enabled = true, priority = 0 } = await req.json();
+  const { name, conditions, actions, enabled = true, manual_only = false, priority = 0 } = await req.json();
  if (!name) return NextResponse.json({ error: "name required" }, { status: 400 });

  const rule = await prisma.rules.create({
@@ -36,6 +37,7 @@ export async function POST(req: NextRequest) {
      conditions: conditions ?? [],
      actions: actions ?? {},
      enabled,
+      manual_only,
      priority,
    },
  });
@@ -0,0 +1,134 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+import { queryRaw } from "@/lib/db";
+
+/**
+ * What a rule run actually did — the before-state from its snapshot set against
+ * the values now.
+ *
+ * The run list only had counts, which is not enough to decide whether to revert:
+ * "13 matches · 13 transactions" reads the same whether it renamed a merchant or
+ * split your history with someone. Reverting is destructive, so the detail has
+ * to be visible before the button is pressed.
+ */
+
+interface SnapshotEntry {
+  transaction_id: number;
+  had_override: boolean;
+  prev_category_override: string | null;
+  prev_merchant_normalized: string | null;
+  prev_tag_ids: number[];
+  prev_splits: { participant_id: number; share_percent: number; settled: boolean }[];
+}
+
+export async function GET(
+  req: NextRequest,
+  { params }: { params: Promise<{ id: string }> }
+) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
+
+  const { id } = await params;
+  const runs = await queryRaw<{
+    id: number; applied_at: string; reverted_at: string | null;
+    split_from: string | null; matched: number; transactions_affected: number;
+    rule_id: number | null; rule_name: string | null; source: string | null;
+    snapshot: unknown;
+  }>(
+    `SELECT id, applied_at, reverted_at, split_from, matched, transactions_affected,
+            rule_id, rule_name, source, snapshot
+     FROM rule_apply_runs WHERE id = $1 AND owner_id = $2`,
+    [Number(id), user.id]
+  );
+  if (!runs.length) return NextResponse.json({ error: "Run not found" }, { status: 404 });
+
+  const run = runs[0];
+  const snapshot = (typeof run.snapshot === "string"
+    ? JSON.parse(run.snapshot) : run.snapshot) as SnapshotEntry[];
+  const byId = new Map(snapshot.map((s) => [s.transaction_id, s]));
+  const ids = snapshot.map((s) => s.transaction_id);
+
+  if (ids.length === 0) {
+    return NextResponse.json({ run: { ...run, snapshot: undefined }, transactions: [] });
+  }
+
+  const current = await queryRaw<{
+    id: number; transaction_date: string; description: string;
+    amount: number; amount_aud: number | null; bank_name: string;
+    category: string | null; category_override: string | null;
+    merchant_normalized: string | null; merchant_override: string | null;
+    merchant_name: string | null;
+    tag_ids: number[]; splits: { participant_id: number; share_percent: number }[];
+  }>(
+    `SELECT t.id, t.transaction_date::text, t.description, t.amount, t.amount_aud,
+       COALESCE(s.bank_name, 'Manual') as bank_name,
+       t.category, o.category_override,
+       t.merchant_normalized, o.merchant_normalized as merchant_override, t.merchant_name,
+       COALESCE((SELECT json_agg(tt.tag_id) FROM transaction_tags tt WHERE tt.transaction_id = t.id), '[]'::json) as tag_ids,
+       COALESCE((SELECT json_agg(json_build_object('participant_id', ts.participant_id, 'share_percent', ts.share_percent))
+                 FROM transaction_splits ts WHERE ts.transaction_id = t.id), '[]'::json) as splits
+     FROM transactions t
+     LEFT JOIN statements s ON s.id = t.statement_id
+     LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
+     WHERE t.id = ANY($1::int[])
+     ORDER BY t.transaction_date DESC`,
+    [ids]
+  );
+
+  const parse = <T,>(v: unknown, fallback: T): T =>
+    (typeof v === "string" ? JSON.parse(v) : v) ?? fallback;
+
+  const transactions = current.map((t) => {
+    const prev = byId.get(t.id);
+    const nowTags: number[] = parse(t.tag_ids, []);
+    const nowSplits = parse<{ participant_id: number; share_percent: number }[]>(t.splits, []);
+    const prevTags = prev?.prev_tag_ids ?? [];
+    const prevSplits = prev?.prev_splits ?? [];
+
+    const nowCategory = t.category_override ?? t.category;
+    const prevCategory = prev?.prev_category_override ?? t.category;
+    const nowMerchant = t.merchant_override ?? t.merchant_normalized ?? t.merchant_name;
+    const prevMerchant = prev?.prev_merchant_normalized ?? t.merchant_normalized ?? t.merchant_name;
+
+    const changes: { field: string; from: string | null; to: string | null }[] = [];
+    if (nowCategory !== prevCategory) {
+      changes.push({ field: "category", from: prevCategory, to: nowCategory });
+    }
+    if (nowMerchant !== prevMerchant) {
+      changes.push({ field: "merchant", from: prevMerchant, to: nowMerchant });
+    }
+    const addedTags = nowTags.filter((x) => !prevTags.includes(x));
+    if (addedTags.length) {
+      changes.push({ field: "tags", from: null, to: addedTags.join(",") });
+    }
+    const fmtSplits = (arr: { participant_id: number; share_percent: number }[]) =>
+      arr.length ? arr.map((s) => `${s.participant_id}:${Number(s.share_percent)}%`).sort().join(" ") : null;
+    if (fmtSplits(nowSplits) !== fmtSplits(prevSplits)) {
+      changes.push({ field: "split", from: fmtSplits(prevSplits), to: fmtSplits(nowSplits) });
+    }
+
+    return {
+      id: t.id,
+      transaction_date: t.transaction_date,
+      description: t.description,
+      amount: t.amount,
+      amount_aud: t.amount_aud,
+      bank_name: t.bank_name,
+      merchant: nowMerchant,
+      changes,
+    };
+  });
+
+  return NextResponse.json({
+    run: {
+      id: run.id, applied_at: run.applied_at, reverted_at: run.reverted_at,
+      split_from: run.split_from, matched: run.matched,
+      transactions_affected: run.transactions_affected,
+      rule_id: run.rule_id, rule_name: run.rule_name, source: run.source,
+    },
+    // A reverted run still lists its transactions, but they will show no changes
+    // because the values are back where they started.
+    transactions,
+    still_changed: transactions.filter((t) => t.changes.length > 0).length,
+  });
+}
@@ -1,30 +0,0 @@
-import { NextRequest, NextResponse } from "next/server";
-import { prisma } from "@/lib/db";
-
-export async function POST(req: NextRequest) {
-  const body = await req.json();
-  const { participant_id, split_ids } = body as {
-    participant_id?: number;
-    split_ids?: number[];
-  };
-
-  const now = new Date();
-
-  if (participant_id) {
-    const result = await prisma.transaction_splits.updateMany({
-      where: { participant_id, settled: false },
-      data: { settled: true, settled_at: now },
-    });
-    return NextResponse.json({ settled: result.count });
-  }
-
-  if (split_ids?.length) {
-    const result = await prisma.transaction_splits.updateMany({
-      where: { id: { in: split_ids }, settled: false },
-      data: { settled: true, settled_at: now },
-    });
-    return NextResponse.json({ settled: result.count });
-  }
-
-  return NextResponse.json({ error: "participant_id or split_ids required" }, { status: 400 });
-}
@@ -1,12 +1,17 @@
 import { NextRequest, NextResponse } from "next/server";
 import { getStatementById } from "@/lib/queries";
+import { getCurrentUser } from "@/lib/auth";

 export async function GET(
-  _req: NextRequest,
+  req: NextRequest,
  { params }: { params: Promise<{ id: string }> }
 ) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
  const { id } = await params;
  const stmt = await getStatementById(Number(id));
-  if (!stmt) return NextResponse.json({ error: "Not found" }, { status: 404 });
+  if (!stmt || stmt.owner_id !== user.id) {
+    return NextResponse.json({ error: "Not found" }, { status: 404 });
+  }
  return NextResponse.json(stmt);
 }
@@ -0,0 +1,37 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+import { queryRaw } from "@/lib/db";
+import { createTrip, assignTransactionsToTrip, getTagTransactionIds } from "@/lib/queries";
+
+export async function POST(req: NextRequest, { params }: { params: Promise<{ id: string }> }) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Forbidden" }, { status: 403 });
+
+  const { id } = await params;
+  const tagId = Number(id);
+  const { start_date, end_date } = await req.json().catch(() => ({}));
+
+  // Fetch the tag
+  const tags = await queryRaw<{ id: number; name: string; color: string }>(
+    `SELECT id, name, color FROM tags WHERE id = $1`,
+    [tagId]
+  );
+  if (!tags[0]) return NextResponse.json({ error: "Tag not found" }, { status: 404 });
+  const tag = tags[0];
+
+  // Create trip from tag metadata
+  const trip = await createTrip(user.id, {
+    name: tag.name,
+    color: tag.color,
+    start_date: start_date ?? null,
+    end_date: end_date ?? null,
+  });
+
+  // Assign all transactions with this tag to the new trip
+  const transactionIds = await getTagTransactionIds(tagId);
+  if (transactionIds.length > 0) {
+    await assignTransactionsToTrip(trip.id, transactionIds);
+  }
+
+  return NextResponse.json({ trip, assigned: transactionIds.length }, { status: 201 });
+}
@@ -1,7 +1,10 @@
 import { NextRequest, NextResponse } from "next/server";
 import { queryRaw } from "@/lib/db";
+import { getCurrentUser } from "@/lib/auth";

-export async function DELETE(_req: NextRequest, { params }: { params: Promise<{ id: string }> }) {
+export async function DELETE(req: NextRequest, { params }: { params: Promise<{ id: string }> }) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
  const { id } = await params;
  await queryRaw(`DELETE FROM tags WHERE id = $1`, [Number(id)]);
  return NextResponse.json({ ok: true });
@@ -1,13 +1,18 @@
 import { NextRequest, NextResponse } from "next/server";
 import { getTags } from "@/lib/queries";
 import { queryRaw } from "@/lib/db";
+import { getCurrentUser } from "@/lib/auth";

-export async function GET() {
+export async function GET(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
  const tags = await getTags();
  return NextResponse.json(tags);
 }

 export async function POST(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
  const { name, color } = await req.json();
  if (!name?.trim()) {
    return NextResponse.json({ error: "name required" }, { status: 400 });
@@ -1,15 +1,21 @@
 import { NextRequest, NextResponse } from "next/server";
-import { getTransactionById } from "@/lib/queries";
+import { getTransactionById, canAccessTransactions } from "@/lib/queries";
+import { getCurrentUser } from "@/lib/auth";
 import { prisma } from "@/lib/db";
 import { queryRaw } from "@/lib/db";

 const VALID_TYPES = ["debit", "credit", "payment", "refund", "fee", "interest", "transfer"];

 export async function GET(
-  _req: NextRequest,
+  req: NextRequest,
  { params }: { params: Promise<{ id: string }> }
 ) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
  const { id } = await params;
+  if (!(await canAccessTransactions(user.id, [Number(id)]))) {
+    return NextResponse.json({ error: "Not found" }, { status: 404 });
+  }
  const txn = await getTransactionById(Number(id));
  if (!txn) return NextResponse.json({ error: "Not found" }, { status: 404 });
  return NextResponse.json(txn);
@@ -19,19 +25,26 @@ export async function PATCH(
  req: NextRequest,
  { params }: { params: Promise<{ id: string }> }
 ) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
  const { id } = await params;
  const transactionId = Number(id);
+  if (!(await canAccessTransactions(user.id, [transactionId]))) {
+    return NextResponse.json({ error: "Not found" }, { status: 404 });
+  }
  const body = await req.json();

-  const { category, merchant_normalized, notes, transaction_type, my_share_percent, description, amount, transaction_date } = body as {
+  const { category, merchant_normalized, notes, transaction_type, my_share_percent, description, amount, transaction_date, trip_id, payment_method } = body as {
    category?: string;
    merchant_normalized?: string;
    notes?: string;
    transaction_type?: string;
+    payment_method?: string | null;
    my_share_percent?: number | null;
    description?: string;
    amount?: number;
    transaction_date?: string;
+    trip_id?: number | null;
  };

  if (my_share_percent !== undefined && my_share_percent !== null) {
@@ -72,8 +85,21 @@ export async function PATCH(
    );
  }

-  // category/merchant/notes/my_share_percent go through the overrides table
-  const hasOverride = category !== undefined || merchant_normalized !== undefined || notes !== undefined || my_share_percent !== undefined;
+  // payment_method is a property of the transaction itself, not a user override
+  // of extracted data, so it lives on the transactions table.
+  if (payment_method !== undefined) {
+    const VALID_METHODS = ["card", "cash", "bank_transfer", "other"];
+    if (payment_method !== null && !VALID_METHODS.includes(payment_method)) {
+      return NextResponse.json({ error: "Invalid payment_method" }, { status: 400 });
+    }
+    await queryRaw(
+      `UPDATE transactions SET payment_method = $1 WHERE id = $2`,
+      [payment_method, transactionId]
+    );
+  }
+
+  // category/merchant/notes/my_share_percent/trip_id go through the overrides table
+  const hasOverride = category !== undefined || merchant_normalized !== undefined || notes !== undefined || my_share_percent !== undefined || trip_id !== undefined;
  if (!hasOverride) {
    return NextResponse.json({ ok: true });
  }
@@ -83,6 +109,7 @@ export async function PATCH(
  if (merchant_normalized !== undefined) data.merchant_normalized = merchant_normalized;
  if (notes !== undefined) data.notes = notes;
  if (my_share_percent !== undefined) data.my_share_percent = my_share_percent;
+  if (trip_id !== undefined) data.trip_id = trip_id;

  const override = await prisma.transaction_overrides.upsert({
    where: { transaction_id: transactionId },
@@ -93,6 +120,7 @@ export async function PATCH(
      merchant_normalized: merchant_normalized || null,
      notes: notes || null,
      my_share_percent: my_share_percent != null ? String(my_share_percent) : null,
+      trip_id: trip_id ?? null,
    },
  });

@@ -1,6 +1,8 @@
 import { NextRequest, NextResponse } from "next/server";
 import { prisma } from "@/lib/db";
 import { queryRaw } from "@/lib/db";
+import { getCurrentUser } from "@/lib/auth";
+import { canAccessTransactions } from "@/lib/queries";

 interface SplitInput {
  participant_id: number;
@@ -19,10 +21,15 @@ interface SplitRow {
 }

 export async function GET(
-  _req: NextRequest,
+  req: NextRequest,
  { params }: { params: Promise<{ id: string }> }
 ) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
  const { id } = await params;
+  if (!(await canAccessTransactions(user.id, [Number(id)]))) {
+    return NextResponse.json({ error: "Not found" }, { status: 404 });
+  }
  const splits = await queryRaw<SplitRow>(
    `SELECT ts.*, p.name
     FROM transaction_splits ts
@@ -38,8 +45,13 @@ export async function POST(
  req: NextRequest,
  { params }: { params: Promise<{ id: string }> }
 ) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
  const { id } = await params;
  const transactionId = Number(id);
+  if (!(await canAccessTransactions(user.id, [transactionId]))) {
+    return NextResponse.json({ error: "Not found" }, { status: 404 });
+  }
  const { splits } = (await req.json()) as { splits: SplitInput[] };

  if (!splits || !Array.isArray(splits) || splits.length === 0) {
@@ -1,8 +1,15 @@
 import { NextRequest, NextResponse } from "next/server";
 import { queryRaw } from "@/lib/db";
+import { getCurrentUser } from "@/lib/auth";
+import { canAccessTransactions } from "@/lib/queries";

 export async function POST(req: NextRequest, { params }: { params: Promise<{ id: string }> }) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
  const { id } = await params;
+  if (!(await canAccessTransactions(user.id, [Number(id)]))) {
+    return NextResponse.json({ error: "Not found" }, { status: 404 });
+  }
  const { tag_id } = await req.json();
  if (!tag_id) return NextResponse.json({ error: "tag_id required" }, { status: 400 });
  await queryRaw(
@@ -13,7 +20,12 @@ export async function POST(req: NextRequest, { params }: { params: Promise<{ id:
 }

 export async function DELETE(req: NextRequest, { params }: { params: Promise<{ id: string }> }) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
  const { id } = await params;
+  if (!(await canAccessTransactions(user.id, [Number(id)]))) {
+    return NextResponse.json({ error: "Not found" }, { status: 404 });
+  }
  const { tag_id } = await req.json();
  if (!tag_id) return NextResponse.json({ error: "tag_id required" }, { status: 400 });
  await queryRaw(
@@ -1,7 +1,13 @@
 import { NextRequest, NextResponse } from "next/server";
 import { prisma, queryRaw } from "@/lib/db";
+import { assignTransactionsToTrip, canAccessTransactions } from "@/lib/queries";
+import { getCurrentUser } from "@/lib/auth";
+import { applyRuleActions, captureSnapshot } from "@/lib/rule-actions";
+import type { Actions } from "@/lib/rules";

 export async function POST(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
  const body = await req.json();
  const { action, ids, category, merchant_normalized, splits, tag_id } = body as {
    action: string;
@@ -16,6 +22,10 @@ export async function POST(req: NextRequest) {
    return NextResponse.json({ error: "ids required" }, { status: 400 });
  }

+  if (!(await canAccessTransactions(user.id, ids.map(Number)))) {
+    return NextResponse.json({ error: "Not found" }, { status: 404 });
+  }
+
  if (action === "categorize" && category) {
    const ops = ids.map((id) =>
      prisma.transaction_overrides.upsert({
@@ -77,5 +87,44 @@ export async function POST(req: NextRequest) {
    return NextResponse.json({ updated: ids.length });
  }

+  // Quick action: fire a saved rule's actions at the current selection. The
+  // selection replaces the rule's conditions, which are not evaluated at all.
+  // Recorded as a rule_apply_run so it can be reverted like any other run.
+  if (action === "apply_rule") {
+    const { rule_id } = body as { rule_id?: number };
+    if (!rule_id) return NextResponse.json({ error: "rule_id required" }, { status: 400 });
+
+    const rules = await queryRaw<{ id: number; name: string; actions: unknown }>(
+      `SELECT id, name, actions FROM rules WHERE id = $1 AND owner_id = $2`,
+      [Number(rule_id), user.id]
+    );
+    if (!rules.length) return NextResponse.json({ error: "Rule not found" }, { status: 404 });
+
+    const actions = (typeof rules[0].actions === "string"
+      ? JSON.parse(rules[0].actions)
+      : rules[0].actions) as Actions;
+
+    const snapshot = await captureSnapshot(ids.map(Number));
+    for (const id of ids) {
+      await applyRuleActions(Number(id), actions);
+    }
+
+    const run = await queryRaw<{ id: number }>(
+      `INSERT INTO rule_apply_runs (owner_id, split_from, matched, transactions_affected, snapshot,
+         rule_id, rule_name, source)
+       VALUES ($1, NULL, $2, $3, $4, $5, $6, 'selection') RETURNING id`,
+      [user.id, ids.length, ids.length, JSON.stringify(snapshot),
+       rules[0].id, rules[0].name]
+    );
+
+    return NextResponse.json({ updated: ids.length, run_id: run[0].id, rule: rules[0].name });
+  }
+
+  if (action === "assign_trip") {
+    const { trip_id } = body as { ids: number[]; trip_id: number | null };
+    await assignTransactionsToTrip(trip_id, ids);
+    return NextResponse.json({ updated: ids.length });
+  }
+
  return NextResponse.json({ error: "Invalid action" }, { status: 400 });
 }
@@ -25,6 +25,7 @@ export async function GET(req: NextRequest) {
    amount_min: sp.get("amount_min") ? Number(sp.get("amount_min")) : undefined,
    amount_max: sp.get("amount_max") ? Number(sp.get("amount_max")) : undefined,
    has_split: sp.get("has_split") || undefined,
+    trip_id: sp.get("trip_id") || undefined,
  });

  return NextResponse.json(result);
@@ -41,6 +42,7 @@ export async function POST(req: NextRequest) {
    transaction_type?: string;
    merchant_normalized?: string;
    category?: string;
+    payment_method?: string;
    splits?: { participant_id: number; share_percent: number }[];
  };

@@ -50,8 +52,8 @@ export async function POST(req: NextRequest) {

  // Insert manual transaction with no statement (statement_id = NULL, owner_id set directly)
  const txRows = await queryRaw<{ id: number }>(
-    `INSERT INTO transactions (statement_id, owner_id, transaction_date, description, amount, transaction_type, merchant_normalized, category, row_index)
-     VALUES (NULL, $1, $2, $3, $4, $5, $6, $7, (
+    `INSERT INTO transactions (statement_id, owner_id, transaction_date, description, amount, transaction_type, merchant_normalized, category, payment_method, row_index)
+     VALUES (NULL, $1, $2, $3, $4, $5, $6, $7, $8, (
       SELECT COALESCE(MAX(row_index), -1) + 1 FROM transactions WHERE owner_id = $1 AND statement_id IS NULL
     ))
     RETURNING id`,
@@ -63,6 +65,7 @@ export async function POST(req: NextRequest) {
      body.transaction_type || "debit",
      body.merchant_normalized || null,
      body.category || null,
+      body.payment_method || null,
    ]
  );
  const transactionId = txRows[0].id;
@@ -0,0 +1,15 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+import { getTripAnalytics } from "@/lib/queries";
+
+export async function GET(req: NextRequest, { params }: { params: Promise<{ id: string }> }) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Forbidden" }, { status: 403 });
+  const { id } = await params;
+  try {
+    const analytics = await getTripAnalytics(Number(id), user.id);
+    return NextResponse.json(analytics);
+  } catch {
+    return NextResponse.json({ error: "Not found" }, { status: 404 });
+  }
+}
@@ -0,0 +1,30 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+import { getTripById, updateTrip, deleteTrip } from "@/lib/queries";
+
+export async function GET(req: NextRequest, { params }: { params: Promise<{ id: string }> }) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Forbidden" }, { status: 403 });
+  const { id } = await params;
+  const trip = await getTripById(Number(id), user.id);
+  if (!trip) return NextResponse.json({ error: "Not found" }, { status: 404 });
+  return NextResponse.json(trip);
+}
+
+export async function PATCH(req: NextRequest, { params }: { params: Promise<{ id: string }> }) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Forbidden" }, { status: 403 });
+  const { id } = await params;
+  const body = await req.json();
+  const trip = await updateTrip(Number(id), user.id, body);
+  if (!trip) return NextResponse.json({ error: "Not found" }, { status: 404 });
+  return NextResponse.json(trip);
+}
+
+export async function DELETE(req: NextRequest, { params }: { params: Promise<{ id: string }> }) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Forbidden" }, { status: 403 });
+  const { id } = await params;
+  await deleteTrip(Number(id), user.id);
+  return new NextResponse(null, { status: 204 });
+}
@@ -0,0 +1,15 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+import { assignTransactionsToTrip } from "@/lib/queries";
+
+export async function PATCH(req: NextRequest, { params }: { params: Promise<{ id: string }> }) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Forbidden" }, { status: 403 });
+  const { id } = await params;
+  const { transactionIds } = await req.json() as { transactionIds: number[] };
+  if (!Array.isArray(transactionIds) || !transactionIds.length) {
+    return NextResponse.json({ error: "transactionIds must be a non-empty array" }, { status: 400 });
+  }
+  await assignTransactionsToTrip(Number(id), transactionIds);
+  return NextResponse.json({ ok: true });
+}
@@ -0,0 +1,20 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+import { getTrips, createTrip } from "@/lib/queries";
+
+export async function GET(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Forbidden" }, { status: 403 });
+  const trips = await getTrips(user.id);
+  return NextResponse.json(trips);
+}
+
+export async function POST(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Forbidden" }, { status: 403 });
+  const body = await req.json();
+  const { name, description, start_date, end_date, color } = body;
+  if (!name?.trim()) return NextResponse.json({ error: "name is required" }, { status: 400 });
+  const trip = await createTrip(user.id, { name: name.trim(), description, start_date, end_date, color });
+  return NextResponse.json(trip, { status: 201 });
+}
@@ -1,9 +1,11 @@
 "use client";

-import { useState, Fragment, useMemo } from "react";
+import { useState, useEffect, Fragment, useMemo } from "react";
 import {
  ComposedChart,
  LineChart,
+  AreaChart,
+  Area,
  Bar,
  Line,
  XAxis,
@@ -12,11 +14,11 @@ import {
  ResponsiveContainer,
  Cell,
  ReferenceLine,
-  Legend,
 } from "recharts";
 import { useQueryClient } from "@tanstack/react-query";
 import { useMonthlyAnalytics, useTransactions, useUpdateTransaction } from "@/lib/hooks";
 import { formatCategory, CATEGORIES } from "@/lib/categories";
+import { CATEGORY_COLORS, CHART, TOOLTIP_STYLE } from "@/lib/category-colors";

 function currentMonthStr(): string {
  const now = new Date();
@@ -27,11 +29,6 @@ function prevMonth(m: string): string {
  const d = new Date(year, month - 2, 1);
  return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, "0")}`;
 }
-function nextMonth(m: string): string {
-  const [year, month] = m.split("-").map(Number);
-  const d = new Date(year, month, 1);
-  return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, "0")}`;
-}
 function formatMonth(m: string): string {
  const [year, month] = m.split("-");
  return new Date(Number(year), Number(month) - 1, 1).toLocaleString("default", { month: "long", year: "numeric" });
@@ -40,73 +37,21 @@ function formatShortMonth(m: string): string {
  const [year, month] = m.split("-");
  return new Date(Number(year), Number(month) - 1, 1).toLocaleString("default", { month: "short" });
 }
-function fmt(n: number): string { return `$${n.toFixed(0)}`; }
+function fmt(n: number): string { return `$${Math.round(n).toLocaleString()}`; }
 function fmtExact(n: number): string { return `$${n.toFixed(2)}`; }
-function deltaColor(n: number): string {
-  if (n > 0) return "text-red-400";
-  if (n < 0) return "text-emerald-400";
-  return "";
-}
-
-const TOOLTIP_STYLE = { background: "#18181b", border: "1px solid #3f3f46", borderRadius: 8, fontSize: 12 };
-
-const CATEGORY_COLORS: Record<string, string> = {
-  groceries: "#22c55e",
-  dining: "#f97316",
-  transport: "#06b6d4",
-  fuel: "#eab308",
-  shopping: "#ec4899",
-  utilities: "#8b5cf6",
-  entertainment: "#f43f5e",
-  travel: "#0ea5e9",
-  health: "#10b981",
-  insurance: "#64748b",
-  subscriptions: "#a78bfa",
-  cash_advance: "#dc2626",
-  government: "#78716c",
-  education: "#3b82f6",
-  rent: "#d97706",
-  transfers: "#6b7280",
-  income: "#34d399",
-  investment: "#818cf8",
-  personal_care: "#fb7185",
-  pets: "#86efac",
-  gifts: "#fcd34d",
-  charity: "#a3e635",
-  home_goods: "#67e8f9",
-  home_maintenance: "#c084fc",
-  other: "#71717a",
-};
+function fmtSigned(n: number): string { return `${n >= 0 ? "+" : "−"}$${Math.abs(n) >= 100 ? Math.round(Math.abs(n)).toLocaleString() : Math.abs(n).toFixed(0)}`; }

 // ─── Tooltips ────────────────────────────────────────────────────────────────

-function TrendTooltip({ active, payload, label }: { active?: boolean; payload?: { dataKey: string; value: number; stroke: string }[]; label?: string }) {
-  if (!active || !payload?.length) return null;
-  const items = payload.filter((p) => p.value > 0.01).sort((a, b) => b.value - a.value);
-  if (!items.length) return null;
-  return (
-    <div style={TOOLTIP_STYLE} className="p-2.5 text-xs min-w-40">
-      <p className="text-zinc-400 mb-2 font-medium">{label}</p>
-      {items.map((p) => (
-        <div key={p.dataKey} className="flex items-center gap-2 mb-0.5">
-          <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: p.stroke }} />
-          <span className="text-zinc-400">{formatCategory(p.dataKey.replace("cat_", ""))}:</span>
-          <span className="text-zinc-100 tabular-nums ml-auto pl-2">{fmtExact(p.value)}</span>
-        </div>
-      ))}
-    </div>
-  );
-}
-
 function ParetoTooltip({ active, payload }: { active?: boolean; payload?: { payload: { category: string; spent: number; pct: number; cumulative: number } }[] }) {
  if (!active || !payload?.length) return null;
  const d = payload[0].payload;
  return (
    <div style={TOOLTIP_STYLE} className="p-2.5 text-xs">
      <p className="font-medium text-zinc-300 mb-1">{formatCategory(d.category)}</p>
-      <div className="flex justify-between gap-4"><span className="text-zinc-400">Spend</span><span>{fmtExact(d.spent)}</span></div>
-      <div className="flex justify-between gap-4"><span className="text-zinc-400">Share</span><span>{d.pct}%</span></div>
-      <div className="flex justify-between gap-4"><span className="text-zinc-400">Cumulative</span><span>{d.cumulative}%</span></div>
+      <div className="flex justify-between gap-4"><span className="text-zinc-400">Spend</span><span className="font-mono">{fmtExact(d.spent)}</span></div>
+      <div className="flex justify-between gap-4"><span className="text-zinc-400">Share</span><span className="font-mono">{d.pct}%</span></div>
+      <div className="flex justify-between gap-4"><span className="text-zinc-400">Cumulative</span><span className="font-mono">{d.cumulative}%</span></div>
    </div>
  );
 }
@@ -120,14 +65,59 @@ function CumulativeTooltip({ active, payload, label }: { active?: boolean; paylo
        <div key={p.dataKey} className="flex items-center gap-2 mb-0.5">
          <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: p.stroke }} />
          <span className="text-zinc-400">{p.dataKey === "actual" ? "Actual" : "Typical pace"}:</span>
-          <span className="text-zinc-100 tabular-nums ml-auto pl-2">{fmtExact(p.value)}</span>
+          <span className="text-zinc-100 font-mono tabular-nums ml-auto pl-2">{fmtExact(p.value)}</span>
        </div>
      ))}
    </div>
  );
 }

-// ─── CategoryPanel ────────────────────────────────────────────────────────────
+// ─── Month spine ─────────────────────────────────────────────────────────────
+// Twelve clickable columns, one per month, scaled to that month's spend.
+// Doubles as period navigation and year-at-a-glance context.
+
+function MonthSpine({
+  months,
+  totals,
+  selected,
+  onSelect,
+}: {
+  months: string[]; // ascending
+  totals: Record<string, { spent: number }>;
+  selected: string;
+  onSelect: (m: string) => void;
+}) {
+  const max = Math.max(...months.map((m) => totals[m]?.spent || 0), 1);
+  return (
+    <div className="flex items-end gap-1 sm:gap-1.5">
+      {months.map((m) => {
+        const spent = totals[m]?.spent || 0;
+        const h = Math.max(4, Math.round((spent / max) * 56));
+        const active = m === selected;
+        return (
+          <button
+            key={m}
+            onClick={() => onSelect(m)}
+            title={`${formatMonth(m)} — ${fmt(spent)}`}
+            className="group flex-1 flex flex-col items-center gap-1.5 min-w-0"
+          >
+            <span
+              style={{ height: h }}
+              className={`w-full max-w-9 rounded-t-sm transition-colors ${
+                active ? "bg-indigo-400" : "bg-zinc-700 group-hover:bg-zinc-600"
+              }`}
+            />
+            <span className={`text-[10px] leading-none uppercase tracking-wide ${active ? "text-indigo-300" : "text-zinc-500 group-hover:text-zinc-400"}`}>
+              {formatShortMonth(m)}
+            </span>
+          </button>
+        );
+      })}
+    </div>
+  );
+}
+
+// ─── CategoryPanel (drill-down) ──────────────────────────────────────────────

 function CategoryPanel({ category, selectedMonth }: { category: string; selectedMonth: string }) {
  const qc = useQueryClient();
@@ -143,7 +133,7 @@ function CategoryPanel({ category, selectedMonth }: { category: string; selected
    <tr>
      <td colSpan={4} className="px-0 pb-2 bg-zinc-950/60 border-b border-zinc-800">
        {isLoading ? (
-          <p className="text-xs text-zinc-500 px-6 py-2">Loading...</p>
+          <p className="text-xs text-zinc-500 px-6 py-2">Loading…</p>
        ) : txns.length === 0 ? (
          <p className="text-xs text-zinc-600 px-6 py-2">No transactions</p>
        ) : (
@@ -159,9 +149,9 @@ function CategoryPanel({ category, selectedMonth }: { category: string; selected
            <tbody>
              {txns.map((tx) => (
                <tr key={tx.id} className="border-t border-zinc-800/30 hover:bg-zinc-800/20">
-                  <td className="px-6 py-1.5 text-zinc-500 tabular-nums">{tx.transaction_date.slice(5).replace("-", "/")}</td>
+                  <td className="px-6 py-1.5 text-zinc-500 font-mono tabular-nums">{tx.transaction_date.slice(5).replace("-", "/")}</td>
                  <td className="px-2 py-1.5 text-zinc-300 max-w-xs truncate">{tx.effective_merchant || tx.description}</td>
-                  <td className="px-2 py-1.5 text-right tabular-nums text-zinc-300">{fmtExact(Number(tx.amount))}</td>
+                  <td className="px-2 py-1.5 text-right font-mono tabular-nums text-zinc-300">{fmtExact(Number(tx.amount))}</td>
                  <td className="px-4 py-1.5 text-right">
                    <select
                      className="bg-zinc-800 border border-zinc-700 rounded px-2 py-0.5 text-xs text-zinc-300 focus:outline-none focus:border-indigo-500 cursor-pointer"
@@ -192,7 +182,18 @@ function CategoryPanel({ category, selectedMonth }: { category: string; selected
 export default function AnalyticsPage() {
  const [selectedMonth, setSelectedMonth] = useState(currentMonthStr);
  const [expandedCategory, setExpandedCategory] = useState<string | null>(null);
-  const { data: analytics, isLoading } = useMonthlyAnalytics(6);
+  const { data: analytics, isLoading } = useMonthlyAnalytics(12);
+
+  const months = useMemo(() => analytics ? [...analytics.months].reverse() : [], [analytics]);
+
+  // If the initial month has no data yet (e.g. the 1st of the month), land on
+  // the most recent month that does.
+  useEffect(() => {
+    if (months.length && !months.includes(selectedMonth)) {
+      setSelectedMonth(months[months.length - 1]);
+    }
+    // eslint-disable-next-line react-hooks/exhaustive-deps
+  }, [months]);

  // Cumulative chart: fetch this month's transactions
  const smFrom = `${selectedMonth}-01`;
@@ -201,8 +202,6 @@ export default function AnalyticsPage() {
  const smTo = `${smNextDate.getFullYear()}-${String(smNextDate.getMonth() + 1).padStart(2, "0")}-01`;
  const { data: monthTxData } = useTransactions({ from: smFrom, to: smTo, limit: 1000 });

-  const months = useMemo(() => analytics ? [...analytics.months].reverse() : [], [analytics]);
-
  // Category rows for selected month
  const categoryRows = useMemo(() => {
    if (!analytics) return [];
@@ -212,25 +211,37 @@ export default function AnalyticsPage() {
      .sort((a, b) => b.spent - a.spent);
  }, [analytics, selectedMonth]);

-  // Trend line data — top 8 categories by total 6-month spend
-  const trendData = useMemo(() => {
-    if (!analytics) return { data: [], categories: [] };
-    const categoryTotals = analytics.rows
-      .map((r) => ({ category: r.category, total: months.reduce((s, m) => s + (r.spent[m] || 0), 0) }))
+  // Small multiples — top 8 categories by 12-month total
+  const sparkData = useMemo(() => {
+    if (!analytics) return [];
+    return analytics.rows
+      .map((r) => ({
+        category: r.category,
+        total: months.reduce((s, m) => s + (r.spent[m] || 0), 0),
+        thisMonth: r.spent[selectedMonth] || 0,
+        delta: (r.spent[selectedMonth] || 0) - (r.spent[prevMonth(selectedMonth)] || 0),
+        series: months.map((m) => ({ month: m, v: r.spent[m] || 0 })),
+      }))
      .sort((a, b) => b.total - a.total)
-      .slice(0, 8)
-      .map((r) => r.category);
+      .slice(0, 8);
+  }, [analytics, months, selectedMonth]);

-    const data = months.map((m) => {
-      const entry: Record<string, unknown> = { month: m, label: formatShortMonth(m) };
-      for (const cat of categoryTotals) {
-        const row = analytics.rows.find((r) => r.category === cat);
-        entry[`cat_${cat}`] = row?.spent[m] || 0;
-      }
-      return entry;
-    });
-    return { data, categories: categoryTotals };
-  }, [analytics, months]);
+  // Top movers vs previous month
+  const movers = useMemo(() => {
+    if (!analytics) return [];
+    const pm = prevMonth(selectedMonth);
+    if (!months.includes(pm)) return [];
+    return analytics.rows
+      .map((r) => ({
+        category: r.category,
+        delta: (r.spent[selectedMonth] || 0) - (r.spent[pm] || 0),
+        now: r.spent[selectedMonth] || 0,
+        before: r.spent[pm] || 0,
+      }))
+      .filter((r) => Math.abs(r.delta) >= 1)
+      .sort((a, b) => Math.abs(b.delta) - Math.abs(a.delta))
+      .slice(0, 6);
+  }, [analytics, months, selectedMonth]);

  // Pareto chart data
  const paretoData = useMemo(() => {
@@ -254,16 +265,16 @@ export default function AnalyticsPage() {
    const today = new Date();
    const lastDay = isCurrentMonth ? today.getDate() : daysInMonth;

-    // Daily spend from transactions
    const daily: Record<number, number> = {};
    (monthTxData?.data ?? [])
-      .filter((tx) => tx.transaction_type === "debit" && !["transfers", "investment"].includes(tx.effective_category))
+      .filter((tx) => tx.transaction_type === "debit" &&
+              !["transfers", "investment"].includes(tx.effective_category) &&
+              !tx.tags?.some((t: any) => (typeof t === "string" ? t : t.name) === "family"))
      .forEach((tx) => {
        const day = new Date(tx.transaction_date).getDate();
        daily[day] = (daily[day] || 0) + Number(tx.amount_aud ?? tx.amount);
      });

-    // Typical pace: avg of prior months (straight-line ramp)
    const priorMonths = analytics?.months.filter((m) => m !== selectedMonth) ?? [];
    const priorAvg = priorMonths.length > 0
      ? priorMonths.reduce((s, m) => s + (analytics?.totals[m]?.spent || 0), 0) / priorMonths.length
@@ -283,131 +294,151 @@ export default function AnalyticsPage() {

  if (isLoading || !analytics) {
    return (
-      <div className="space-y-6">
-        <h2 className="text-xl font-semibold">Analytics</h2>
-        <p className="text-zinc-500 text-sm">Loading...</p>
+      <div className="space-y-6 max-w-5xl">
+        <h2 className="text-2xl font-display">Analytics</h2>
+        <p className="text-zinc-500 text-sm">Loading…</p>
      </div>
    );
  }

  const totals = analytics.totals[selectedMonth] ?? { spent: 0, income: 0, investments: 0, net: 0 };
-  const lastTotals = analytics.totals[prevMonth(selectedMonth)] ?? { spent: 0, income: 0, investments: 0, net: 0 };
-  const spentDelta = totals.spent - lastTotals.spent;
-  const largestCategory = categoryRows[0];
  const hasIncome = months.some((m) => (analytics.totals[m]?.income || 0) > 0);
  const hasInvestments = months.some((m) => (analytics.totals[m]?.investments || 0) > 0);

-  // Pareto: find where cumulative crosses 80%
+  // Hero delta vs the average of the other months that have data
+  const otherMonths = months.filter((m) => m !== selectedMonth && (analytics.totals[m]?.spent || 0) > 0);
+  const avgSpend = otherMonths.length
+    ? otherMonths.reduce((s, m) => s + (analytics.totals[m]?.spent || 0), 0) / otherMonths.length
+    : 0;
+  const avgDeltaPct = avgSpend > 0 ? Math.round(((totals.spent - avgSpend) / avgSpend) * 100) : 0;
+  const heroSentence =
+    avgSpend === 0 ? "" :
+    Math.abs(avgDeltaPct) <= 3 ? `in line with your ${otherMonths.length}-month average` :
+    `${Math.abs(avgDeltaPct)}% ${avgDeltaPct > 0 ? "above" : "below"} your ${otherMonths.length}-month average of ${fmt(avgSpend)}`;
+
  const pareto80idx = paretoData.findIndex((r) => r.cumulative >= 80);
+  const tableMonths = analytics.months.slice(0, 6); // newest-first, last 6
+  const maxMoverDelta = Math.max(...movers.map((m) => Math.abs(m.delta)), 1);

  return (
-    <div className="space-y-6">
+    <div className="space-y-6 max-w-5xl">

-      {/* Header + month selector */}
-      <div className="flex items-center justify-between">
-        <h2 className="text-xl font-semibold">Analytics</h2>
-        <div className="flex items-center gap-3">
-          <button onClick={() => setSelectedMonth(prevMonth(selectedMonth))} className="p-2 rounded-lg bg-zinc-800 hover:bg-zinc-700 text-sm leading-none">‹</button>
-          <span className="text-sm font-medium min-w-36 text-center">{formatMonth(selectedMonth)}</span>
-          <button onClick={() => setSelectedMonth(nextMonth(selectedMonth))} className="p-2 rounded-lg bg-zinc-800 hover:bg-zinc-700 text-sm leading-none">›</button>
+      {/* ── Hero + month spine ── */}
+      <div className="border-b border-zinc-800 pb-5">
+        <p className="text-[11px] uppercase tracking-[0.18em] text-zinc-500 mb-2">Ledger · {formatMonth(selectedMonth)}</p>
+        <div className="flex flex-wrap items-end justify-between gap-x-8 gap-y-4">
+          <div>
+            <p className="font-display text-5xl text-zinc-50 leading-none">
+              {fmt(totals.spent)}
+            </p>
+            {heroSentence && (
+              <p className="text-sm text-zinc-400 mt-2">
+                <span className={avgDeltaPct > 3 ? "text-indigo-300" : avgDeltaPct < -3 ? "text-emerald-400" : "text-zinc-400"}>
+                  {heroSentence}
+                </span>
+              </p>
+            )}
+          </div>
+          <div className="w-full sm:w-auto sm:min-w-80 sm:flex-1 sm:max-w-md">
+            <MonthSpine months={months} totals={analytics.totals} selected={selectedMonth} onSelect={(m) => { setSelectedMonth(m); setExpandedCategory(null); }} />
+          </div>
        </div>
      </div>

-      {/* Summary cards */}
-      <div className={`grid gap-4 ${hasIncome ? "grid-cols-2 sm:grid-cols-4" : "grid-cols-3"}`}>
-        {hasIncome && (
-          <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
-            <p className="text-xs text-zinc-500 mb-1">Income</p>
-            <p className="text-2xl font-semibold text-emerald-400">{fmtExact(totals.income)}</p>
-            <p className="text-xs text-zinc-500 mt-1">received</p>
-          </div>
-        )}
-        <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
-          <p className="text-xs text-zinc-500 mb-1">Expenses</p>
-          <p className="text-2xl font-semibold">{fmtExact(totals.spent)}</p>
-          <p className={`text-xs mt-1 ${deltaColor(spentDelta)}`}>
-            {spentDelta === 0 || lastTotals.spent === 0
-              ? <span className="text-zinc-500">split-adjusted</span>
-              : `${spentDelta > 0 ? "+" : ""}${fmtExact(spentDelta)} vs ${formatShortMonth(prevMonth(selectedMonth))}`}
-          </p>
+      {/* ── Cashflow strip ── */}
+      <div className="bg-zinc-900 border border-zinc-800 rounded-xl grid grid-cols-2 sm:grid-cols-4 divide-x divide-y sm:divide-y-0 divide-zinc-800 overflow-hidden">
+        <div className="px-4 py-3.5">
+          <p className="text-[10px] uppercase tracking-wider text-zinc-500 mb-1.5">Income</p>
+          <p className={`text-xl font-mono tabular-nums ${hasIncome ? "text-emerald-400" : "text-zinc-600"}`}>{hasIncome ? fmt(totals.income) : "—"}</p>
        </div>
-        {(hasInvestments || totals.investments > 0) && (
-          <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
-            <p className="text-xs text-zinc-500 mb-1">Invested</p>
-            <p className="text-2xl font-semibold text-indigo-400">{fmtExact(totals.investments)}</p>
-            <p className="text-xs text-zinc-500 mt-1">shares / ETFs</p>
-          </div>
-        )}
-        <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
-          <p className="text-xs text-zinc-500 mb-1">{hasIncome ? "Net Cash" : "Largest Category"}</p>
+        <div className="px-4 py-3.5">
+          <p className="text-[10px] uppercase tracking-wider text-zinc-500 mb-1.5">Expenses</p>
+          <p className="text-xl font-mono tabular-nums text-zinc-100">{fmt(totals.spent)}</p>
+        </div>
+        <div className="px-4 py-3.5">
+          <p className="text-[10px] uppercase tracking-wider text-zinc-500 mb-1.5">Invested</p>
+          <p className={`text-xl font-mono tabular-nums ${hasInvestments ? "text-indigo-300" : "text-zinc-600"}`}>{hasInvestments ? fmt(totals.investments) : "—"}</p>
+        </div>
+        <div className="px-4 py-3.5">
+          <p className="text-[10px] uppercase tracking-wider text-zinc-500 mb-1.5">Net cash</p>
          {hasIncome ? (
-            <>
-              <p className={`text-2xl font-semibold ${totals.net >= 0 ? "text-emerald-400" : "text-red-400"}`}>
-                {totals.net >= 0 ? "+" : ""}{fmtExact(totals.net)}
-              </p>
-              <p className="text-xs text-zinc-500 mt-1">income − expenses − invested</p>
-            </>
-          ) : largestCategory ? (
-            <>
-              <p className="text-2xl font-semibold">{fmtExact(largestCategory.spent)}</p>
-              <p className="text-xs text-zinc-400 mt-1">{formatCategory(largestCategory.category)}</p>
-            </>
+            <p className={`text-xl font-mono tabular-nums ${totals.net >= 0 ? "text-emerald-400" : "text-red-400"}`}>{totals.net >= 0 ? "+" : ""}{fmt(totals.net)}</p>
          ) : (
-            <p className="text-2xl font-semibold text-zinc-600">—</p>
+            <p className="text-xl font-mono tabular-nums text-zinc-600">—</p>
          )}
        </div>
      </div>

-      {/* 1. Category trend lines */}
-      {trendData.categories.length > 0 && (
-        <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
-          <h3 className="text-sm font-medium mb-4">Category Trends — 6 Months</h3>
-          <ResponsiveContainer width="100%" height={240}>
-            <LineChart
-              data={trendData.data}
-              margin={{ top: 4, right: 8, bottom: 0, left: 8 }}
-              onClick={(d) => {
-                const month = (d as any)?.activePayload?.[0]?.payload?.month as string | undefined;
-                if (month) setSelectedMonth(month);
-              }}
-              style={{ cursor: "pointer" }}
-            >
-              <XAxis dataKey="label" tick={{ fill: "#71717a", fontSize: 12 }} axisLine={false} tickLine={false} />
-              <YAxis tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `$${v}`} width={52} />
-              <Tooltip content={<TrendTooltip />} cursor={{ stroke: "rgba(255,255,255,0.08)", strokeWidth: 1 }} />
-              {trendData.categories.map((cat) => (
-                <Line
-                  key={cat}
-                  dataKey={`cat_${cat}`}
-                  name={cat}
-                  stroke={CATEGORY_COLORS[cat] || "#71717a"}
-                  strokeWidth={selectedMonth && trendData.data.some((d) => (d as any).month === selectedMonth) ? 2 : 2}
-                  dot={{ fill: CATEGORY_COLORS[cat] || "#71717a", r: 3 }}
-                  activeDot={{ r: 5 }}
-                  connectNulls
-                />
-              ))}
-            </LineChart>
-          </ResponsiveContainer>
-          <div className="flex flex-wrap gap-x-3 gap-y-1 mt-3 pt-3 border-t border-zinc-800">
-            {trendData.categories.map((cat) => (
-              <span key={cat} className="flex items-center gap-1 text-xs text-zinc-500">
-                <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[cat] || "#71717a" }} />
-                {formatCategory(cat)}
-              </span>
+      {/* ── Top movers vs last month ── */}
+      {movers.length > 0 && (
+        <div className="bg-zinc-900 border border-zinc-800 rounded-xl p-4">
+          <h3 className="text-sm font-medium mb-1">What changed</h3>
+          <p className="text-xs text-zinc-500 mb-4">Biggest category moves vs {formatShortMonth(prevMonth(selectedMonth))}</p>
+          <div className="grid sm:grid-cols-2 gap-x-8 gap-y-2.5">
+            {movers.map((m) => (
+              <div key={m.category} className="flex items-center gap-3">
+                <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[m.category] || CHART.axis }} />
+                <span className="text-sm text-zinc-300 w-32 truncate shrink-0">{formatCategory(m.category)}</span>
+                <div className="flex-1 h-1.5 rounded-full bg-zinc-800 overflow-hidden">
+                  <div
+                    className={`h-full rounded-full ${m.delta > 0 ? "bg-indigo-400" : "bg-emerald-500"}`}
+                    style={{ width: `${Math.max(6, Math.round((Math.abs(m.delta) / maxMoverDelta) * 100))}%` }}
+                  />
+                </div>
+                <span className={`text-xs font-mono tabular-nums w-16 text-right ${m.delta > 0 ? "text-indigo-300" : "text-emerald-400"}`}>
+                  {fmtSigned(m.delta)}
+                </span>
+              </div>
            ))}
-            {analytics.rows.length > 8 && (
-              <span className="text-xs text-zinc-600">+ {analytics.rows.length - 8} more in table below</span>
-            )}
          </div>
        </div>
      )}

-      {/* 2. Pareto chart */}
+      {/* ── Category small multiples ── */}
+      {sparkData.length > 0 && (
+        <div>
+          <div className="flex items-baseline justify-between mb-3">
+            <h3 className="text-sm font-medium">Category trends</h3>
+            <span className="text-xs text-zinc-500">12 months · top {sparkData.length} by total spend</span>
+          </div>
+          <div className="grid grid-cols-2 lg:grid-cols-4 gap-3">
+            {sparkData.map((s) => (
+              <div key={s.category} className="bg-zinc-900 border border-zinc-800 rounded-xl px-3.5 pt-3 pb-1.5">
+                <div className="flex items-center justify-between gap-2 mb-0.5">
+                  <span className="flex items-center gap-1.5 text-xs text-zinc-400 truncate">
+                    <span className="w-1.5 h-1.5 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[s.category] || CHART.axis }} />
+                    {formatCategory(s.category)}
+                  </span>
+                  {Math.abs(s.delta) >= 1 && (
+                    <span className={`text-[10px] font-mono tabular-nums shrink-0 ${s.delta > 0 ? "text-indigo-300" : "text-emerald-400"}`}>{fmtSigned(s.delta)}</span>
+                  )}
+                </div>
+                <p className="text-lg font-mono tabular-nums text-zinc-100 mb-1">{fmt(s.thisMonth)}</p>
+                <div className="h-10 -mx-1">
+                  <ResponsiveContainer width="100%" height="100%">
+                    <AreaChart data={s.series} margin={{ top: 2, right: 0, bottom: 0, left: 0 }}>
+                      <Area
+                        dataKey="v"
+                        stroke={CATEGORY_COLORS[s.category] || CHART.axis}
+                        strokeWidth={1.5}
+                        fill={CATEGORY_COLORS[s.category] || CHART.axis}
+                        fillOpacity={0.12}
+                        isAnimationActive={false}
+                      />
+                    </AreaChart>
+                  </ResponsiveContainer>
+                </div>
+              </div>
+            ))}
+          </div>
+        </div>
+      )}
+
+      {/* ── Pareto ── */}
      {paretoData.length > 0 && (
-        <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
+        <div className="bg-zinc-900 border border-zinc-800 rounded-xl p-4">
          <div className="flex items-center justify-between mb-4">
-            <h3 className="text-sm font-medium">Spend Concentration — {formatMonth(selectedMonth)}</h3>
+            <h3 className="text-sm font-medium">Spend concentration</h3>
            {pareto80idx >= 0 && (
              <span className="text-xs text-zinc-500">
                Top {pareto80idx + 1} categor{pareto80idx === 0 ? "y" : "ies"} = 80% of spend
@@ -418,14 +449,14 @@ export default function AnalyticsPage() {
            <ComposedChart data={paretoData} margin={{ top: 4, right: 48, bottom: 0, left: 8 }}>
              <XAxis
                dataKey="category"
-                tick={{ fill: "#71717a", fontSize: 11 }}
+                tick={{ fill: CHART.axis, fontSize: 11 }}
                axisLine={false}
                tickLine={false}
                tickFormatter={formatCategory}
              />
              <YAxis
                yAxisId="left"
-                tick={{ fill: "#71717a", fontSize: 11 }}
+                tick={{ fill: CHART.axis, fontSize: 11 }}
                axisLine={false}
                tickLine={false}
                tickFormatter={(v) => `$${v}`}
@@ -434,66 +465,66 @@ export default function AnalyticsPage() {
              <YAxis
                yAxisId="right"
                orientation="right"
-                tick={{ fill: "#71717a", fontSize: 11 }}
+                tick={{ fill: CHART.axis, fontSize: 11 }}
                axisLine={false}
                tickLine={false}
                tickFormatter={(v) => `${v}%`}
                domain={[0, 100]}
                width={36}
              />
-              <Tooltip content={<ParetoTooltip />} cursor={{ fill: "rgba(255,255,255,0.04)" }} />
-              <ReferenceLine yAxisId="right" y={80} stroke="#52525b" strokeDasharray="4 2" label={{ value: "80%", fill: "#71717a", fontSize: 10, position: "right" }} />
+              <Tooltip content={<ParetoTooltip />} cursor={{ fill: "rgba(232,224,204,0.04)" }} />
+              <ReferenceLine yAxisId="right" y={80} stroke={CHART.faint} strokeDasharray="4 2" label={{ value: "80%", fill: CHART.axis, fontSize: 10, position: "right" }} />
              <Bar yAxisId="left" dataKey="spent" radius={[3, 3, 0, 0]} maxBarSize={40}>
                {paretoData.map((entry, i) => (
                  <Cell
                    key={entry.category}
-                    fill={i <= pareto80idx ? (CATEGORY_COLORS[entry.category] || "#6366f1") : "#3f3f46"}
+                    fill={i <= pareto80idx ? (CATEGORY_COLORS[entry.category] || CHART.accent) : CHART.dim}
                  />
                ))}
              </Bar>
              <Line
                yAxisId="right"
                dataKey="cumulative"
-                stroke="#fbbf24"
+                stroke={CHART.accentSoft}
                strokeWidth={2}
-                dot={{ fill: "#fbbf24", r: 3 }}
+                dot={{ fill: CHART.accentSoft, r: 3 }}
                activeDot={{ r: 5 }}
              />
            </ComposedChart>
          </ResponsiveContainer>
          <div className="flex items-center gap-4 mt-2 justify-end">
-            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-0.5 bg-amber-400 inline-block" />Cumulative %</span>
-            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm bg-zinc-600 inline-block" />Below 80% threshold</span>
+            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-0.5 inline-block" style={{ background: CHART.accentSoft }} />Cumulative %</span>
+            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm inline-block" style={{ background: CHART.dim }} />Beyond 80%</span>
          </div>
        </div>
      )}

-      {/* 3. Cumulative spend this month */}
-      <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
+      {/* ── Cumulative pace ── */}
+      <div className="bg-zinc-900 border border-zinc-800 rounded-xl p-4">
        <div className="flex items-center justify-between mb-4">
-          <h3 className="text-sm font-medium">Cumulative Spend — {formatMonth(selectedMonth)}</h3>
-          <span className="text-xs text-zinc-500">vs avg monthly pace</span>
+          <h3 className="text-sm font-medium">Spend pace</h3>
+          <span className="text-xs text-zinc-500">cumulative through the month, vs typical</span>
        </div>
        <ResponsiveContainer width="100%" height={180}>
          <LineChart data={cumulativeData} margin={{ top: 4, right: 8, bottom: 0, left: 8 }}>
-            <XAxis dataKey="day" tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `${v}`} interval={4} />
-            <YAxis tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `$${(v / 1000).toFixed(1)}k`} width={44} />
-            <Tooltip content={<CumulativeTooltip />} cursor={{ stroke: "rgba(255,255,255,0.08)", strokeWidth: 1 }} />
-            <Line dataKey="typical" stroke="#3f3f46" strokeWidth={1.5} strokeDasharray="4 3" dot={false} name="typical" />
-            <Line dataKey="actual" stroke="#6366f1" strokeWidth={2} dot={false} activeDot={{ r: 4 }} connectNulls={false} name="actual" />
+            <XAxis dataKey="day" tick={{ fill: CHART.axis, fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `${v}`} interval={4} />
+            <YAxis tick={{ fill: CHART.axis, fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `$${(v / 1000).toFixed(1)}k`} width={44} />
+            <Tooltip content={<CumulativeTooltip />} cursor={{ stroke: "rgba(232,224,204,0.08)", strokeWidth: 1 }} />
+            <Line dataKey="typical" stroke={CHART.faint} strokeWidth={1.5} strokeDasharray="4 3" dot={false} name="typical" />
+            <Line dataKey="actual" stroke={CHART.accent} strokeWidth={2} dot={false} activeDot={{ r: 4 }} connectNulls={false} name="actual" />
          </LineChart>
        </ResponsiveContainer>
        <div className="flex items-center gap-4 mt-2 justify-end">
-          <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-4 h-0.5 bg-indigo-500 inline-block" />This month</span>
-          <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-4 h-0.5 bg-zinc-600 inline-block" style={{ borderTop: "1px dashed #52525b", display: "inline-block" }} />Typical pace</span>
+          <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-4 h-0.5 inline-block" style={{ background: CHART.accent }} />This month</span>
+          <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-4 h-0.5 inline-block border-t border-dashed" style={{ borderColor: CHART.faint }} />Typical pace</span>
        </div>
      </div>

-      {/* Category breakdown table — expandable rows */}
+      {/* ── Category breakdown table — expandable rows ── */}
      {categoryRows.length > 0 && (
-        <div className="bg-zinc-900 border border-zinc-700 rounded-xl overflow-hidden">
+        <div className="bg-zinc-900 border border-zinc-800 rounded-xl overflow-hidden">
          <div className="px-4 py-3 border-b border-zinc-800">
-            <h3 className="text-sm font-medium">Spending Breakdown — {formatMonth(selectedMonth)}</h3>
+            <h3 className="text-sm font-medium">Where it went — {formatMonth(selectedMonth)}</h3>
          </div>
          <table className="w-full text-sm">
            <thead>
@@ -501,7 +532,7 @@ export default function AnalyticsPage() {
                <th className="text-left px-4 py-2 text-xs text-zinc-500 font-medium">Category</th>
                <th className="text-right px-4 py-2 text-xs text-zinc-500 font-medium">Spent</th>
                <th className="text-right px-4 py-2 text-xs text-zinc-500 font-medium"># Txns</th>
-                <th className="text-right px-4 py-2 text-xs text-zinc-500 font-medium">% of Total</th>
+                <th className="text-right px-4 py-2 text-xs text-zinc-500 font-medium">% of total</th>
              </tr>
            </thead>
            <tbody>
@@ -515,14 +546,14 @@ export default function AnalyticsPage() {
                    >
                      <td className="px-4 py-2.5 font-medium">
                        <span className="flex items-center gap-2">
-                          <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[category] || "#71717a" }} />
+                          <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[category] || CHART.axis }} />
                          {formatCategory(category)}
                          <span className="text-zinc-600 text-xs ml-1">{isExpanded ? "▲" : "▼"}</span>
                        </span>
                      </td>
-                      <td className="px-4 py-2.5 text-right tabular-nums">{fmtExact(spent)}</td>
-                      <td className="px-4 py-2.5 text-right text-zinc-400">{txCount}</td>
-                      <td className="px-4 py-2.5 text-right text-zinc-400 tabular-nums">
+                      <td className="px-4 py-2.5 text-right font-mono tabular-nums">{fmtExact(spent)}</td>
+                      <td className="px-4 py-2.5 text-right text-zinc-400 font-mono tabular-nums">{txCount}</td>
+                      <td className="px-4 py-2.5 text-right text-zinc-400 font-mono tabular-nums">
                        {totals.spent > 0 ? ((spent / totals.spent) * 100).toFixed(1) : "0.0"}%
                      </td>
                    </tr>
@@ -535,19 +566,19 @@ export default function AnalyticsPage() {
        </div>
      )}

-      {/* 6-month trend table */}
-      {analytics.months.length > 0 && (
+      {/* ── 6-month ledger table (heat-tinted) ── */}
+      {tableMonths.length > 0 && (
        <div>
-          <h3 className="text-sm font-semibold text-zinc-400 mb-3">6-Month Trend</h3>
-          <div className="overflow-x-auto rounded-xl border border-zinc-700">
+          <h3 className="text-sm font-medium text-zinc-400 mb-3">Six-month ledger</h3>
+          <div className="overflow-x-auto rounded-xl border border-zinc-800">
            <table className="w-full text-xs border-collapse">
              <thead>
                <tr className="border-b border-zinc-800 bg-zinc-900">
                  <th className="text-left px-3 py-2 text-zinc-500 font-medium sticky left-0 bg-zinc-900 min-w-32">Category</th>
-                  {analytics.months.map((m) => (
+                  {tableMonths.map((m) => (
                    <th
                      key={m}
-                      className={`text-right px-3 py-2 font-medium whitespace-nowrap cursor-pointer hover:text-zinc-300 ${m === selectedMonth ? "text-indigo-400" : "text-zinc-500"}`}
+                      className={`text-right px-3 py-2 font-medium whitespace-nowrap cursor-pointer hover:text-zinc-300 ${m === selectedMonth ? "text-indigo-300" : "text-zinc-500"}`}
                      onClick={() => setSelectedMonth(m)}
                    >
                      {formatShortMonth(m)}
@@ -556,31 +587,39 @@ export default function AnalyticsPage() {
                </tr>
              </thead>
              <tbody>
-                {analytics.rows.map((row) => (
-                  <tr key={row.category} className="border-b border-zinc-800/40 hover:bg-zinc-900/30">
-                    <td className="px-3 py-2 font-medium sticky left-0 bg-zinc-950">
-                      <span className="flex items-center gap-1.5">
-                        <span className="w-1.5 h-1.5 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[row.category] || "#71717a" }} />
-                        {formatCategory(row.category)}
-                      </span>
-                    </td>
-                    {analytics.months.map((m) => {
-                      const spent = row.spent[m];
-                      return (
-                        <td key={m} className={`px-3 py-2 text-right tabular-nums ${spent === undefined ? "text-zinc-700" : "text-zinc-300"} ${m === selectedMonth ? "bg-zinc-800/30" : ""}`}>
-                          {spent !== undefined ? fmt(spent) : "—"}
-                        </td>
-                      );
-                    })}
-                  </tr>
-                ))}
+                {analytics.rows.map((row) => {
+                  const rowMax = Math.max(...tableMonths.map((m) => row.spent[m] || 0), 1);
+                  return (
+                    <tr key={row.category} className="border-b border-zinc-800/40 hover:bg-zinc-900/30">
+                      <td className="px-3 py-2 font-medium sticky left-0 bg-zinc-950">
+                        <span className="flex items-center gap-1.5">
+                          <span className="w-1.5 h-1.5 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[row.category] || CHART.axis }} />
+                          {formatCategory(row.category)}
+                        </span>
+                      </td>
+                      {tableMonths.map((m) => {
+                        const spent = row.spent[m];
+                        const heat = spent !== undefined ? (spent / rowMax) * 0.28 : 0;
+                        return (
+                          <td
+                            key={m}
+                            className={`px-3 py-2 text-right font-mono tabular-nums ${spent === undefined ? "text-zinc-700" : "text-zinc-300"}`}
+                            style={heat > 0.02 ? { background: `rgba(188, 111, 48, ${heat.toFixed(3)})` } : undefined}
+                          >
+                            {spent !== undefined ? fmt(spent) : "—"}
+                          </td>
+                        );
+                      })}
+                    </tr>
+                  );
+                })}
                {hasIncome && (
                  <tr className="border-b border-zinc-800/40">
                    <td className="px-3 py-2 font-medium sticky left-0 bg-zinc-950 text-emerald-600">Income</td>
-                    {analytics.months.map((m) => {
+                    {tableMonths.map((m) => {
                      const inc = analytics.income[m];
                      return (
-                        <td key={m} className={`px-3 py-2 text-right tabular-nums text-emerald-500 ${m === selectedMonth ? "bg-zinc-800/30" : ""}`}>
+                        <td key={m} className="px-3 py-2 text-right font-mono tabular-nums text-emerald-500">
                          {inc ? fmt(inc) : "—"}
                        </td>
                      );
@@ -589,11 +628,11 @@ export default function AnalyticsPage() {
                )}
                {hasInvestments && (
                  <tr className="border-b border-zinc-800/40">
-                    <td className="px-3 py-2 font-medium sticky left-0 bg-zinc-950 text-indigo-500">Invested</td>
-                    {analytics.months.map((m) => {
+                    <td className="px-3 py-2 font-medium sticky left-0 bg-zinc-950 text-indigo-400">Invested</td>
+                    {tableMonths.map((m) => {
                      const inv = analytics.investments[m];
                      return (
-                        <td key={m} className={`px-3 py-2 text-right tabular-nums text-indigo-400 ${m === selectedMonth ? "bg-zinc-800/30" : ""}`}>
+                        <td key={m} className="px-3 py-2 text-right font-mono tabular-nums text-indigo-300">
                          {inv ? fmt(inv) : "—"}
                        </td>
                      );
@@ -602,10 +641,10 @@ export default function AnalyticsPage() {
                )}
                <tr className="border-t-2 border-zinc-700 font-semibold bg-zinc-900/50">
                  <td className="px-3 py-2 sticky left-0 bg-zinc-900">Expenses</td>
-                  {analytics.months.map((m) => {
+                  {tableMonths.map((m) => {
                    const t = analytics.totals[m];
                    return (
-                      <td key={m} className={`px-3 py-2 text-right tabular-nums ${m === selectedMonth ? "bg-zinc-800/30 text-indigo-300" : ""}`}>
+                      <td key={m} className={`px-3 py-2 text-right font-mono tabular-nums ${m === selectedMonth ? "text-indigo-300" : ""}`}>
                        {fmt(t?.spent || 0)}
                      </td>
                    );
@@ -613,12 +652,12 @@ export default function AnalyticsPage() {
                </tr>
                {hasIncome && (
                  <tr className="font-semibold bg-zinc-900/50">
-                    <td className="px-3 py-2 sticky left-0 bg-zinc-900">Net Cash</td>
-                    {analytics.months.map((m) => {
+                    <td className="px-3 py-2 sticky left-0 bg-zinc-900">Net cash</td>
+                    {tableMonths.map((m) => {
                      const t = analytics.totals[m];
                      const net = t?.net || 0;
                      return (
-                        <td key={m} className={`px-3 py-2 text-right tabular-nums ${net >= 0 ? "text-emerald-400" : "text-red-400"} ${m === selectedMonth ? "bg-zinc-800/30" : ""}`}>
+                        <td key={m} className={`px-3 py-2 text-right font-mono tabular-nums ${net >= 0 ? "text-emerald-400" : "text-red-400"}`}>
                          {net >= 0 ? "+" : ""}{fmt(net)}
                        </td>
                      );
@@ -1,6 +1,54 @@
@import "tailwindcss";

-@theme inline {
+/*
+ * Ink & copper ledger theme.
+ *
+ * The whole app is written against Tailwind's zinc (neutrals) and indigo
+ * (accent) scales, so the retheme happens here: zinc is remapped to warm
+ * ink/paper tones and indigo to copper. Pages therefore inherit the palette
+ * without per-page edits; chart hexes live in src/lib/category-colors.ts.
+ */
+@theme {
  --font-sans: var(--font-geist-sans);
  --font-mono: var(--font-geist-mono);
+  --font-display: var(--font-fraunces), Georgia, serif;
+
+  /* Ink / paper neutrals (replaces zinc) */
+  --color-zinc-950: #0f0d0a;
+  --color-zinc-900: #171410;
+  --color-zinc-800: #242019;
+  --color-zinc-700: #332d23;
+  --color-zinc-600: #4d4536;
+  --color-zinc-500: #6e644f;
+  --color-zinc-400: #94896f;
+  --color-zinc-300: #b3a88e;
+  --color-zinc-200: #d1c7af;
+  --color-zinc-100: #e8e0cc;
+  --color-zinc-50: #f3edde;
+
+  /* Copper accent (replaces indigo) */
+  --color-indigo-950: #2a1708;
+  --color-indigo-900: #3e2410;
+  --color-indigo-800: #5c3517;
+  --color-indigo-700: #7c4820;
+  --color-indigo-600: #9c5b28;
+  --color-indigo-500: #bc6f30;
+  --color-indigo-400: #d28a47;
+  --color-indigo-300: #e3a968;
+  --color-indigo-200: #efc795;
+  --color-indigo-100: #f7e2c4;
+}
+
+::selection {
+  background: #bc6f30;
+  color: #0f0d0a;
+}
+
+@media (prefers-reduced-motion: reduce) {
+  *,
+  *::before,
+  *::after {
+    animation-duration: 0.01ms !important;
+    transition-duration: 0.01ms !important;
+  }
 }
@@ -6,6 +6,7 @@ import {
 } from "recharts";
 import { useMonthlyAnalytics, useSubscriptions, useFees, useTransactions, useUpdateTransaction } from "@/lib/hooks";
 import { CATEGORIES, REGULAR_CATEGORIES, formatCategory } from "@/lib/categories";
+import { CHART, TOOLTIP_STYLE } from "@/lib/category-colors";

 const SPEND_TYPES = new Set(["debit", "fee", "interest"]);

@@ -50,16 +51,16 @@ function Section({ title, children }: { title: string; children: React.ReactNode
 }

 // ─── Custom tooltip ──────────────────────────────────────────────────
-function RegularTooltip({ active, payload, label }: any) {
+function RegularTooltip({ active, payload, label }: { active?: boolean; payload?: { dataKey: string; value: number }[]; label?: string }) {
  if (!active || !payload?.length) return null;
-  const regular = payload.find((p: any) => p.dataKey === "regular")?.value ?? 0;
-  const occasional = payload.find((p: any) => p.dataKey === "occasional")?.value ?? 0;
+  const regular = payload.find((p) => p.dataKey === "regular")?.value ?? 0;
+  const occasional = payload.find((p) => p.dataKey === "occasional")?.value ?? 0;
  return (
-    <div className="bg-zinc-900 border border-zinc-700 rounded px-3 py-2 text-xs space-y-1">
+    <div style={TOOLTIP_STYLE} className="px-3 py-2 text-xs space-y-1">
      <div className="font-medium text-zinc-300 mb-1">{label}</div>
-      <div className="flex justify-between gap-4"><span className="text-indigo-400">Regular</span><span>{fmt(regular)}</span></div>
-      <div className="flex justify-between gap-4"><span className="text-zinc-400">Occasional</span><span>{fmt(occasional)}</span></div>
-      <div className="flex justify-between gap-4 border-t border-zinc-700 pt-1"><span className="text-zinc-500">Total</span><span>{fmt(regular + occasional)}</span></div>
+      <div className="flex justify-between gap-4"><span className="text-indigo-300">Regular</span><span className="font-mono">{fmt(regular)}</span></div>
+      <div className="flex justify-between gap-4"><span className="text-zinc-400">Occasional</span><span className="font-mono">{fmt(occasional)}</span></div>
+      <div className="flex justify-between gap-4 border-t border-zinc-700 pt-1"><span className="text-zinc-500">Total</span><span className="font-mono">{fmt(regular + occasional)}</span></div>
    </div>
  );
 }
@@ -99,6 +100,7 @@ function DrillDownRow({
                <tr className="border-b border-zinc-800">
                  <th className="text-left px-6 py-2 text-zinc-600 font-medium">Date</th>
                  <th className="text-left px-4 py-2 text-zinc-600 font-medium">Merchant</th>
+                  <th className="text-right px-4 py-2 text-zinc-600 font-medium">Total</th>
                  <th className="text-right px-4 py-2 text-zinc-600 font-medium">My share</th>
                  <th className="text-left px-4 py-2 text-zinc-600 font-medium">Category</th>
                  <th className="text-right px-4 py-2 text-zinc-600 font-medium">% mine</th>
@@ -106,8 +108,14 @@ function DrillDownRow({
              </thead>
              <tbody>
                {txns.map((t) => {
-                  const sharePct = t.my_share_percent ?? 100;
-                  const effectiveAmt = t.amount * sharePct / 100;
+                  // Share is resolved server-side (see getTransactions) so this
+                  // matches the category total being drilled into. The old
+                  // `my_share_percent ?? 100` missed transaction_splits rows
+                  // entirely and assumed 100% when a transaction was allocated
+                  // wholly to someone else.
+                  const sharePct = Number(t.my_share_pct ?? 100);
+                  const grossAmt = Number(t.amount_aud ?? t.amount);
+                  const effectiveAmt = Number(t.my_amount ?? grossAmt);
                  const isDebit = SPEND_TYPES.has(t.transaction_type);
                  return (
                  <tr key={t.id} className="border-b border-zinc-800/30 hover:bg-zinc-900/30">
@@ -115,10 +123,13 @@ function DrillDownRow({
                      {new Date(t.transaction_date).toLocaleDateString("en-AU", { day: "2-digit", month: "short" })}
                    </td>
                    <td className="px-4 py-2 text-zinc-300">{t.merchant_name || t.description}</td>
+                    <td className="px-4 py-2 text-right tabular-nums text-zinc-500">
+                      {fmtExact(grossAmt)}
+                    </td>
                    <td className={`px-4 py-2 text-right tabular-nums ${isDebit ? "text-zinc-200" : "text-green-400"}`}>
                      {fmtTx(effectiveAmt, t.transaction_type)}
                      {sharePct < 100 && (
-                        <span className="text-zinc-600 ml-1 line-through">{fmtExact(t.amount)}</span>
+                        <span className="text-zinc-600 ml-1">({sharePct}%)</span>
                      )}
                    </td>
                    <td className="px-4 py-2">
@@ -185,8 +196,8 @@ function MonthlyBreakdown({ analytics }: { analytics: NonNullable<ReturnType<typ
      .sort((a, b) => b.amount - a.amount);
  }, [analytics.rows, selectedMonth]);

-  const regularRows = categoryData.filter((r) => REGULAR_CATEGORIES.has(r.category as any));
-  const occasionalRows = categoryData.filter((r) => !REGULAR_CATEGORIES.has(r.category as any));
+  const regularRows = categoryData.filter((r) => (REGULAR_CATEGORIES as Set<string>).has(r.category));
+  const occasionalRows = categoryData.filter((r) => !(REGULAR_CATEGORIES as Set<string>).has(r.category));
  const regularTotal = regularRows.reduce((s, r) => s + r.amount, 0);
  const occasionalTotal = occasionalRows.reduce((s, r) => s + r.amount, 0);

@@ -243,7 +254,7 @@ function MonthlyBreakdown({ analytics }: { analytics: NonNullable<ReturnType<typ
        ))}
      </div>

-      <div className="border border-zinc-700 rounded-xl overflow-hidden">
+      <div className="border border-zinc-800 rounded-xl overflow-hidden">
        <table className="w-full text-sm">
          <thead>
            <tr className="border-b border-zinc-800 bg-zinc-900">
@@ -297,7 +308,7 @@ export default function InsightsPage() {
      let occasional = 0;
      for (const row of analytics.rows) {
        const spend = Number(row.spent[month] ?? 0);
-        if (REGULAR_CATEGORIES.has(row.category as any)) regular += spend;
+        if ((REGULAR_CATEGORIES as Set<string>).has(row.category)) regular += spend;
        else occasional += spend;
      }
      return {
@@ -321,46 +332,47 @@ export default function InsightsPage() {

  return (
    <div className="max-w-4xl">
-      <h2 className="text-xl font-semibold mb-6">Insights</h2>
+      <p className="text-[11px] uppercase tracking-[0.18em] text-zinc-500 mb-1">Ledger · patterns</p>
+      <h2 className="text-2xl font-display mb-6">Insights</h2>

      {/* ── 1. Regular vs Occasional ── */}
-      <Section title="Regular vs Occasional Spend">
-        <div className="grid grid-cols-3 gap-3 mb-4">
-          <div className="bg-zinc-900 border border-zinc-800 rounded-lg px-4 py-3">
-            <div className="text-xs text-zinc-500 mb-1">This month — regular spend</div>
-            <div className="text-xl font-semibold text-indigo-400">{fmt(latestRegular)}</div>
+      <Section title="Regular vs occasional spend">
+        <div className="bg-zinc-900 border border-zinc-800 rounded-xl grid grid-cols-3 divide-x divide-zinc-800 overflow-hidden mb-4">
+          <div className="px-4 py-3.5">
+            <div className="text-[10px] uppercase tracking-wider text-zinc-500 mb-1.5">This month · regular</div>
+            <div className="text-xl font-mono tabular-nums text-indigo-300">{fmt(latestRegular)}</div>
          </div>
-          <div className="bg-zinc-900 border border-zinc-800 rounded-lg px-4 py-3">
-            <div className="text-xs text-zinc-500 mb-1">12-month avg regular</div>
-            <div className="text-xl font-semibold text-zinc-200">{fmt(avgRegular)}</div>
+          <div className="px-4 py-3.5">
+            <div className="text-[10px] uppercase tracking-wider text-zinc-500 mb-1.5">12-month average</div>
+            <div className="text-xl font-mono tabular-nums text-zinc-200">{fmt(avgRegular)}</div>
          </div>
-          <div className="bg-zinc-900 border border-zinc-800 rounded-lg px-4 py-3">
-            <div className="text-xs text-zinc-500 mb-1">Trend (first 3 vs last 3 mo)</div>
-            <div className={`text-xl font-semibold ${regularTrend.dir === "up" ? "text-red-400" : regularTrend.dir === "down" ? "text-green-400" : "text-zinc-400"}`}>
+          <div className="px-4 py-3.5">
+            <div className="text-[10px] uppercase tracking-wider text-zinc-500 mb-1.5">Trend · first 3 vs last 3</div>
+            <div className={`text-xl font-mono tabular-nums ${regularTrend.dir === "up" ? "text-red-400" : regularTrend.dir === "down" ? "text-emerald-400" : "text-zinc-400"}`}>
              {regularTrend.dir === "up" ? "↑" : regularTrend.dir === "down" ? "↓" : "→"} {regularTrend.pct}%
            </div>
          </div>
        </div>
-        <div className="bg-zinc-900 border border-zinc-800 rounded-lg p-4">
+        <div className="bg-zinc-900 border border-zinc-800 rounded-xl p-4">
          <ResponsiveContainer width="100%" height={220}>
            <ComposedChart data={chartData} margin={{ top: 4, right: 8, left: 0, bottom: 0 }}>
-              <XAxis dataKey="month" tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} />
-              <YAxis tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `$${(v / 1000).toFixed(0)}k`} width={44} />
-              <Tooltip content={<RegularTooltip />} />
-              <Bar dataKey="regular" stackId="a" fill="#6366f1" name="Regular" radius={[0, 0, 0, 0]} />
-              <Bar dataKey="occasional" stackId="a" fill="#3f3f46" name="Occasional" radius={[3, 3, 0, 0]} />
-              <Line type="monotone" dataKey="regular" stroke="#818cf8" strokeWidth={2} dot={false} strokeDasharray="4 2" />
+              <XAxis dataKey="month" tick={{ fill: CHART.axis, fontSize: 11 }} axisLine={false} tickLine={false} />
+              <YAxis tick={{ fill: CHART.axis, fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `$${(v / 1000).toFixed(0)}k`} width={44} />
+              <Tooltip content={<RegularTooltip />} cursor={{ fill: "rgba(232,224,204,0.04)" }} />
+              <Bar dataKey="regular" stackId="a" fill={CHART.accent} name="Regular" radius={[0, 0, 0, 0]} />
+              <Bar dataKey="occasional" stackId="a" fill={CHART.dim} name="Occasional" radius={[3, 3, 0, 0]} />
+              <Line type="monotone" dataKey="regular" stroke={CHART.accentSoft} strokeWidth={2} dot={false} strokeDasharray="4 2" />
            </ComposedChart>
          </ResponsiveContainer>
          <div className="flex gap-4 mt-2 justify-end">
-            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm bg-indigo-500 inline-block" />Regular (groceries, dining, transport…)</span>
-            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm bg-zinc-600 inline-block" />Occasional</span>
+            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm inline-block" style={{ background: CHART.accent }} />Regular (groceries, dining, transport…)</span>
+            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm inline-block" style={{ background: CHART.dim }} />Occasional</span>
          </div>
        </div>
      </Section>

      {/* ── 2. Monthly Spend Breakdown ── */}
-      <Section title="Monthly Spend Breakdown">
+      <Section title="Monthly spend breakdown">
        {!analytics6 ? (
          <p className="text-zinc-500 text-sm">Loading...</p>
        ) : (
@@ -369,7 +381,7 @@ export default function InsightsPage() {
      </Section>

      {/* ── 3. Recurring Charges ── */}
-      <Section title="Recurring Charges">
+      <Section title="Recurring charges">
        {!subData ? (
          <p className="text-zinc-500 text-sm">Loading...</p>
        ) : subData.subscriptions.length === 0 ? (
@@ -380,7 +392,7 @@ export default function InsightsPage() {
              <span className="text-xs text-zinc-500">{activeSubscriptions.length} active · {inactiveSubscriptions.length} inactive</span>
              <span className="text-sm font-medium text-indigo-400">{fmtExact(subData.total_monthly_equiv)}<span className="text-xs text-zinc-500 font-normal ml-1">/ month committed</span></span>
            </div>
-            <div className="border border-zinc-700 rounded-xl overflow-hidden">
+            <div className="border border-zinc-800 rounded-xl overflow-hidden">
              <table className="w-full text-sm">
                <thead>
                  <tr className="border-b border-zinc-800 bg-zinc-900">
@@ -419,7 +431,7 @@ export default function InsightsPage() {
      </Section>

      {/* ── 4. Fees & Interest ── */}
-      <Section title="Fees & Interest">
+      <Section title="Fees & interest">
        {!feesData ? (
          <p className="text-zinc-500 text-sm">Loading...</p>
        ) : feesData.by_bank.length === 0 && feesData.transactions.length === 0 ? (
@@ -427,7 +439,7 @@ export default function InsightsPage() {
        ) : (
          <div className="space-y-4">
            {feesData.by_bank.length > 0 && (
-              <div className="border border-zinc-700 rounded-xl overflow-hidden">
+              <div className="border border-zinc-800 rounded-xl overflow-hidden">
                <table className="w-full text-sm">
                  <thead>
                    <tr className="border-b border-zinc-800 bg-zinc-900">
@@ -459,7 +471,7 @@ export default function InsightsPage() {
            {feesData.transactions.length > 0 && (
              <div>
                <p className="text-xs text-zinc-500 mb-2">Individual fee / interest transactions</p>
-                <div className="border border-zinc-700 rounded-xl overflow-hidden">
+                <div className="border border-zinc-800 rounded-xl overflow-hidden">
                  <table className="w-full text-sm">
                    <thead>
                      <tr className="border-b border-zinc-800 bg-zinc-900">
@@ -1,5 +1,5 @@
 import type { Metadata } from "next";
-import { Geist, Geist_Mono } from "next/font/google";
+import { Geist, Geist_Mono, Fraunces } from "next/font/google";
 import "./globals.css";
 import { Providers } from "@/components/providers";
 import { Sidebar } from "@/components/sidebar";
@@ -14,6 +14,12 @@ const geistMono = Geist_Mono({
  subsets: ["latin"],
 });

+const fraunces = Fraunces({
+  variable: "--font-fraunces",
+  subsets: ["latin"],
+  weight: ["400", "500", "600"],
+});
+
 export const metadata: Metadata = {
  title: "Finance",
  description: "Personal Finance Dashboard",
@@ -27,7 +33,7 @@ export default function RootLayout({
  return (
    <html lang="en" className="dark">
      <body
-        className={`${geistSans.variable} ${geistMono.variable} antialiased bg-zinc-950 text-zinc-100`}
+        className={`${geistSans.variable} ${geistMono.variable} ${fraunces.variable} antialiased bg-zinc-950 text-zinc-100`}
      >
        <Providers>
          <div className="flex min-h-screen">
@@ -129,7 +129,7 @@ function MerchantProfile({
    }));
  }, [merchant.monthly_trend]);

-  const color = CATEGORY_COLORS[merchant.category] || "#6366f1";
+  const color = CATEGORY_COLORS[merchant.category] || "#bc6f30";

  return (
    <div className="fixed inset-0 z-50 flex justify-end">
@@ -190,23 +190,23 @@ function MerchantProfile({
            <p className="text-sm font-medium text-zinc-300 mb-3">Monthly Spend</p>
            <ResponsiveContainer width="100%" height={120}>
              <LineChart data={trendData}>
-                <CartesianGrid stroke="#27272a" strokeDasharray="3 3" />
+                <CartesianGrid stroke="#242019" strokeDasharray="3 3" />
                <XAxis
                  dataKey="label"
-                  tick={{ fill: "#71717a", fontSize: 10 }}
+                  tick={{ fill: "#94896f", fontSize: 10 }}
                  axisLine={false}
                  tickLine={false}
                />
                <YAxis
-                  tick={{ fill: "#71717a", fontSize: 10 }}
+                  tick={{ fill: "#94896f", fontSize: 10 }}
                  axisLine={false}
                  tickLine={false}
                  tickFormatter={(v) => `$${Math.round(v)}`}
                  width={45}
                />
                <Tooltip
-                  contentStyle={{ background: "#18181b", border: "1px solid #3f3f46", borderRadius: "8px" }}
-                  labelStyle={{ color: "#a1a1aa" }}
+                  contentStyle={{ background: "#171410", border: "1px solid #332d23", borderRadius: "8px" }}
+                  labelStyle={{ color: "#b3a88e" }}
                />
                <Line
                  type="monotone"
@@ -295,7 +295,7 @@ export default function MerchantsPage() {
      {/* Header */}
      <div className="flex items-center justify-between">
        <div>
-          <h1 className="text-xl font-semibold text-white">Merchants</h1>
+          <h1 className="text-2xl font-display text-zinc-50">Merchants</h1>
          <p className="text-zinc-400 text-sm mt-0.5">{merchants.length} merchants · last {months} months</p>
        </div>
        <select
@@ -320,28 +320,28 @@ export default function MerchantsPage() {
          <QuadrantLabels medianX={medianX} medianY={medianY} />
          <ResponsiveContainer width="100%" height={360}>
            <ScatterChart margin={{ top: 10, right: 20, bottom: 20, left: 10 }}>
-              <CartesianGrid stroke="#27272a" strokeDasharray="3 3" />
+              <CartesianGrid stroke="#242019" strokeDasharray="3 3" />
              <XAxis
                dataKey="debit_count"
                name="Transactions"
                type="number"
-                tick={{ fill: "#71717a", fontSize: 11 }}
+                tick={{ fill: "#94896f", fontSize: 11 }}
                axisLine={false}
                tickLine={false}
-                label={{ value: "Transaction Count", position: "insideBottom", offset: -10, fill: "#52525b", fontSize: 11 }}
+                label={{ value: "Transaction Count", position: "insideBottom", offset: -10, fill: "#6e644f", fontSize: 11 }}
              />
              <YAxis
                dataKey="net_spend"
                name="Net Spend"
                type="number"
-                tick={{ fill: "#71717a", fontSize: 11 }}
+                tick={{ fill: "#94896f", fontSize: 11 }}
                axisLine={false}
                tickLine={false}
                tickFormatter={(v) => `$${Math.round(v / 1000)}k`}
                width={48}
-                label={{ value: "Total Spend", angle: -90, position: "insideLeft", offset: 10, fill: "#52525b", fontSize: 11 }}
+                label={{ value: "Total Spend", angle: -90, position: "insideLeft", offset: 10, fill: "#6e644f", fontSize: 11 }}
              />
-              <Tooltip content={<ScatterTooltip />} cursor={{ strokeDasharray: "3 3", stroke: "#52525b" }} />
+              <Tooltip content={<ScatterTooltip />} cursor={{ strokeDasharray: "3 3", stroke: "#6e644f" }} />
              <Scatter
                data={scatterData}
                onClick={(d) => setSelected(d as unknown as MerchantRow)}
@@ -350,7 +350,7 @@ export default function MerchantsPage() {
                {scatterData.map((entry, idx) => (
                  <Cell
                    key={idx}
-                    fill={CATEGORY_COLORS[entry.category] || "#6366f1"}
+                    fill={CATEGORY_COLORS[entry.category] || "#bc6f30"}
                    fillOpacity={0.75}
                    stroke={selected?.merchant === entry.merchant ? "#fff" : "transparent"}
                    strokeWidth={2}
@@ -400,7 +400,7 @@ export default function MerchantsPage() {
            </thead>
            <tbody>
              {filtered.map((m) => {
-                const color = CATEGORY_COLORS[m.category] || "#6366f1";
+                const color = CATEGORY_COLORS[m.category] || "#bc6f30";
                return (
                  <tr
                    key={m.merchant}
@@ -94,7 +94,7 @@ export default function ReconcilePage() {
  if (pending.length === 0) {
    return (
      <div className="p-6">
-        <h2 className="text-xl font-semibold mb-2">Reconcile</h2>
+        <h2 className="text-2xl font-display mb-2">Reconcile</h2>
        <p className="text-zinc-500 text-sm">No unreconciled manual transactions. Import a CSV to get started.</p>
      </div>
    );
@@ -104,7 +104,7 @@ export default function ReconcilePage() {
    <div className="p-6 space-y-4">
      <div className="flex items-center justify-between">
        <div>
-          <h2 className="text-xl font-semibold">Reconcile</h2>
+          <h2 className="text-2xl font-display">Reconcile</h2>
          <p className="text-xs text-zinc-500 mt-0.5">
            {pending.length} manual transaction{pending.length !== 1 ? "s" : ""} ·{" "}
            {withMatches.length} with potential matches
@@ -3,6 +3,8 @@
 import { useState } from "react";
 import { useRules, useCreateRule, useUpdateRule, useDeleteRule, useApplyRules, useRuleRuns, useRevertRuleRun, useTags, useParticipants } from "@/lib/hooks";
 import { CATEGORIES, formatCategory } from "@/lib/categories";
+import { RulePreviewModal } from "@/components/rule-preview-modal";
+import { RuleRunDetail } from "@/components/rule-run-detail";

 const FIELDS = [
  { value: "merchant_normalized", label: "Merchant" },
@@ -82,10 +84,13 @@ export default function RulesPage() {
  const [showForm, setShowForm] = useState(false);
  const [editingId, setEditingId] = useState<number | null>(null);
  const [applyResult, setApplyResult] = useState<{ matched: number; transactions_affected: number } | null>(null);
+  const [preview, setPreview] = useState<{ id: number; name: string } | null>(null);
+  const [expandedRun, setExpandedRun] = useState<number | null>(null);
  const [name, setName] = useState("");
  const [conditions, setConditions] = useState<Condition[]>([]);
  const [actions, setActions] = useState<Actions>(EMPTY_ACTIONS);
  const [priority, setPriority] = useState(0);
+  const [manualOnly, setManualOnly] = useState(false);

  function openNewForm() {
    setEditingId(null);
@@ -93,15 +98,17 @@ export default function RulesPage() {
    setConditions([]);
    setActions(EMPTY_ACTIONS);
    setPriority(0);
+    setManualOnly(false);
    setShowForm(true);
  }

-  function openEditForm(rule: { id: number; name: string; conditions: Condition[]; actions: Actions; priority: number }) {
+  function openEditForm(rule: { id: number; name: string; conditions: Condition[]; actions: Actions; priority: number; manual_only?: boolean }) {
    setEditingId(rule.id);
    setName(rule.name);
    setConditions(Array.isArray(rule.conditions) ? rule.conditions : []);
    setActions(rule.actions && typeof rule.actions === "object" ? rule.actions : EMPTY_ACTIONS);
    setPriority(rule.priority);
+    setManualOnly(!!rule.manual_only);
    setShowForm(true);
    window.scrollTo({ top: 0, behavior: "smooth" });
  }
@@ -141,7 +148,7 @@ export default function RulesPage() {

  async function handleSubmit(e: React.FormEvent) {
    e.preventDefault();
-    const payload = { name, conditions, actions, enabled: true, priority };
+    const payload = { name, conditions, actions, enabled: true, manual_only: manualOnly, priority };
    if (editingId !== null) {
      await updateRule.mutateAsync({ id: editingId, ...payload });
    } else {
@@ -161,7 +168,7 @@ export default function RulesPage() {
  return (
    <div className="space-y-6">
      <div className="flex items-center justify-between">
-        <h2 className="text-xl font-semibold">Rules</h2>
+        <h2 className="text-2xl font-display">Rules</h2>
        <div className="flex gap-2 items-center">
          <label className="text-xs text-zinc-500 whitespace-nowrap">Splits from</label>
          <input
@@ -416,6 +423,20 @@ export default function RulesPage() {
                className="w-24 bg-zinc-800 border border-zinc-700 rounded-lg px-3 py-2 text-sm"
              />
            </div>
+            <label className="flex items-center gap-2 text-sm text-zinc-400 cursor-pointer select-none pb-2">
+              <input
+                type="checkbox"
+                checked={manualOnly}
+                onChange={(e) => setManualOnly(e.target.checked)}
+                className="accent-amber-500"
+              />
+              <span>
+                Quick action only
+                <span className="block text-xs text-zinc-600">
+                  Never runs automatically — appears as a button on selected transactions
+                </span>
+              </span>
+            </label>
            <button
              type="submit"
              disabled={isPending}
@@ -432,27 +453,49 @@ export default function RulesPage() {
          <h3 className="text-sm font-medium text-zinc-400 mb-2">Apply History</h3>
          <div className="space-y-2">
            {runs.map((run) => (
-              <div key={run.id} className={`flex items-center justify-between px-4 py-2.5 rounded-lg border text-sm ${run.reverted_at ? "bg-zinc-900/40 border-zinc-800 opacity-60" : "bg-zinc-900 border-zinc-700"}`}>
-                <div className="flex items-center gap-4">
-                  <span className="text-zinc-300">{new Date(run.applied_at).toLocaleString()}</span>
-                  <span className="text-zinc-500">{run.matched} matches · {run.transactions_affected} transactions</span>
-                  {run.split_from && <span className="text-zinc-600 text-xs">splits from {run.split_from}</span>}
+              <div key={run.id} className={`rounded-lg border text-sm overflow-hidden ${run.reverted_at ? "bg-zinc-900/40 border-zinc-800 opacity-60" : "bg-zinc-900 border-zinc-700"}`}>
+                <div className="flex items-center justify-between px-4 py-2.5">
+                  <div className="flex items-center gap-3 flex-wrap">
+                    <button
+                      onClick={() => setExpandedRun(expandedRun === run.id ? null : run.id)}
+                      className="text-zinc-500 hover:text-zinc-200 w-4 text-left"
+                      title="Show what this run changed"
+                    >
+                      {expandedRun === run.id ? "▾" : "▸"}
+                    </button>
+                    <span className="text-zinc-300">{new Date(run.applied_at).toLocaleString()}</span>
+                    {/* Which rule ran matters most: a merchant rename and a
+                        50/50 split of everything look identical as counts. */}
+                    <span className="text-zinc-200">
+                      {run.rule_name ?? (run.source === "all" ? "All rules" : "Unknown rule")}
+                    </span>
+                    {run.source === "selection" && (
+                      <span className="text-[10px] px-1.5 py-0.5 rounded bg-indigo-900/50 text-indigo-300">
+                        selection
+                      </span>
+                    )}
+                    <span className="text-zinc-500">{run.transactions_affected} transactions</span>
+                    {run.split_from && (
+                      <span className="text-zinc-600 text-xs">splits from {String(run.split_from).slice(0, 10)}</span>
+                    )}
+                  </div>
+                  {run.reverted_at ? (
+                    <span className="text-xs text-zinc-500">reverted {new Date(run.reverted_at).toLocaleString()}</span>
+                  ) : (
+                    <button
+                      onClick={() => {
+                        if (confirm("Revert this run? This will restore all affected transactions to their state before the rules were applied.")) {
+                          revertRun.mutate(run.id);
+                        }
+                      }}
+                      disabled={revertRun.isPending}
+                      className="text-xs text-amber-400 hover:text-amber-300 disabled:opacity-50"
+                    >
+                      Revert
+                    </button>
+                  )}
                </div>
-                {run.reverted_at ? (
-                  <span className="text-xs text-zinc-500">reverted {new Date(run.reverted_at).toLocaleString()}</span>
-                ) : (
-                  <button
-                    onClick={() => {
-                      if (confirm("Revert this run? This will restore all affected transactions to their state before the rules were applied.")) {
-                        revertRun.mutate(run.id);
-                      }
-                    }}
-                    disabled={revertRun.isPending}
-                    className="text-xs text-amber-400 hover:text-amber-300 disabled:opacity-50"
-                  >
-                    Revert
-                  </button>
-                )}
+                {expandedRun === run.id && <RuleRunDetail runId={run.id} />}
              </div>
            ))}
          </div>
@@ -475,21 +518,43 @@ export default function RulesPage() {
                  <div className="flex-1 min-w-0">
                    <div className="flex items-center gap-3 mb-1">
                      <span className="font-medium text-sm">{rule.name}</span>
+                      {rule.manual_only && (
+                        <span className="text-[10px] uppercase tracking-wide px-1.5 py-0.5 rounded bg-amber-900/40 text-amber-300 border border-amber-800/60">
+                          Quick action
+                        </span>
+                      )}
                      <span className="text-xs text-zinc-500">priority: {rule.priority}</span>
                    </div>
                    <p className="text-xs text-zinc-400">
-                      {conds.length > 0 ? conds.map((c) => humanCondition(c, tagNames)).join(" AND ") : "(matches all)"}
+                      {rule.manual_only
+                        ? "(fired by hand on selected transactions)"
+                        : conds.length > 0
+                        ? conds.map((c) => humanCondition(c, tagNames)).join(" AND ")
+                        : "(matches all)"}
                    </p>
                    <p className="text-xs text-zinc-500 mt-1">{humanAction(acts, tagNames, participantNames)}</p>
                  </div>
                  <div className="flex items-center gap-3 shrink-0">
+                    {/* Preview is safe for every rule, including quick actions:
+                        it writes nothing, and the apply step takes the ids you
+                        tick rather than re-running the conditions. */}
                    <button
-                      onClick={() => handleApply(rule.id)}
-                      disabled={applyRules.isPending}
-                      className="text-xs text-emerald-400 hover:text-emerald-300 disabled:opacity-50"
+                      onClick={() => setPreview({ id: rule.id, name: rule.name })}
+                      className="text-xs text-indigo-400 hover:text-indigo-300"
                    >
-                      Apply
+                      Preview
                    </button>
+                    {/* No blind Apply for quick actions: their conditions are
+                        empty, so a bulk apply would hit every transaction. */}
+                    {!rule.manual_only && (
+                      <button
+                        onClick={() => handleApply(rule.id)}
+                        disabled={applyRules.isPending}
+                        className="text-xs text-emerald-400 hover:text-emerald-300 disabled:opacity-50"
+                      >
+                        Apply
+                      </button>
+                    )}
                    <button
                      onClick={() => updateRule.mutate({ id: rule.id, enabled: !rule.enabled })}
                      className={`relative inline-flex h-5 w-9 rounded-full transition-colors ${
@@ -503,7 +568,7 @@ export default function RulesPage() {
                      />
                    </button>
                    <button
-                      onClick={() => openEditForm({ id: rule.id, name: rule.name, conditions: conds as Condition[], actions: acts, priority: rule.priority })}
+                      onClick={() => openEditForm({ id: rule.id, name: rule.name, conditions: conds as Condition[], actions: acts, priority: rule.priority, manual_only: rule.manual_only })}
                      className="text-zinc-400 hover:text-white text-sm"
                    >
                      Edit
@@ -523,6 +588,14 @@ export default function RulesPage() {
          })}
        </div>
      )}
+
+      {preview && (
+        <RulePreviewModal
+          ruleId={preview.id}
+          ruleName={preview.name}
+          onClose={() => setPreview(null)}
+        />
+      )}
    </div>
  );
 }
@@ -307,7 +307,7 @@ export default function SharedPage() {
  return (
    <div className="space-y-6">
      <div className="flex items-center justify-between gap-3">
-        <h2 className="text-xl font-semibold">Shared Expenses</h2>
+        <h2 className="text-2xl font-display">Shared Expenses</h2>
        <div className="flex items-center gap-2 ml-auto flex-wrap">
          <select
            value={participantId ?? ""}
@@ -3,6 +3,12 @@
 import { useState, useMemo } from "react";
 import Link from "next/link";
 import { useStatements, useParticipants, useUpdateStatement } from "@/lib/hooks";
+import {
+  STATEMENT_TYPES,
+  STATEMENT_TYPE_LABELS,
+  asStatementType,
+  isLiability,
+} from "@/lib/statement-types";

 function formatDate(d: string | null) {
  if (!d) return "—";
@@ -40,7 +46,7 @@ export default function StatementsPage() {
  const updateStatement = useUpdateStatement();

  const [bankFilter, setBankFilter] = useState("");
-  const [typeFilter, setTypeFilter] = useState<"all" | "card" | "bank">("all");
+  const [typeFilter, setTypeFilter] = useState<"all" | (typeof STATEMENT_TYPES)[number]>("all");
  const [ownerFilter, setOwnerFilter] = useState("");
  const [yearFilter, setYearFilter] = useState("");

@@ -63,10 +69,8 @@ export default function StatementsPage() {
  const filtered = useMemo(() => {
    if (!statements) return [];
    return statements.filter((s) => {
-      const isCard = s.statement_type?.toLowerCase().includes("card") ?? false;
      if (bankFilter && s.bank_name !== bankFilter) return false;
-      if (typeFilter === "card" && !isCard) return false;
-      if (typeFilter === "bank" && isCard) return false;
+      if (typeFilter !== "all" && asStatementType(s.statement_type) !== typeFilter) return false;
      if (ownerFilter && String(s.owner_id) !== ownerFilter) return false;
      if (yearFilter && s.billing_end_date?.slice(0, 4) !== yearFilter) return false;
      return true;
@@ -78,7 +82,7 @@ export default function StatementsPage() {
  return (
    <div>
      <div className="flex items-center justify-between mb-4">
-        <h2 className="text-xl font-semibold">Statements</h2>
+        <h2 className="text-2xl font-display">Statements</h2>
        {!isLoading && statements && (
          <span className="text-xs text-zinc-500">
            {hasFilters ? `${filtered.length} of ${statements.length}` : statements.length} statements
@@ -98,8 +102,9 @@ export default function StatementsPage() {

          <select value={typeFilter} onChange={(e) => setTypeFilter(e.target.value as typeof typeFilter)} className={selectCls}>
            <option value="all">All types</option>
-            <option value="card">Credit card</option>
-            <option value="bank">Bank account</option>
+            {STATEMENT_TYPES.map((t) => (
+              <option key={t} value={t}>{STATEMENT_TYPE_LABELS[t]}</option>
+            ))}
          </select>

          {participants && participants.length > 1 && (
@@ -152,10 +157,14 @@ export default function StatementsPage() {
            </thead>
            <tbody>
              {filtered.map((s, idx) => {
-                const isCreditCard = s.statement_type?.toLowerCase().includes("card") ?? false;
-                const displayAmount = isCreditCard ? s.total_amount_due : s.closing_balance;
+                const stmtType = asStatementType(s.statement_type);
+                const owed = isLiability(s.statement_type);
+                // Cards headline the amount due; everything else (including loans,
+                // where the balance is what's still owed) headlines the balance.
+                const displayAmount =
+                  stmtType === "credit_card" ? s.total_amount_due : s.closing_balance;
                const amount = Number(displayAmount);
-                const amountColor = isCreditCard
+                const amountColor = owed
                  ? "text-red-400"
                  : amount >= 0
                  ? "text-green-400"
@@ -171,6 +180,20 @@ export default function StatementsPage() {
                      {s.card_name && (
                        <div className="text-xs text-zinc-500 truncate max-w-[160px]">{s.card_name}</div>
                      )}
+                      {stmtType === "loan" && (s.interest_rate || s.scheduled_repayment) && (
+                        <div className="text-xs text-zinc-500 truncate max-w-[160px]">
+                          {[
+                            s.interest_rate ? `${Number(s.interest_rate).toFixed(2)}% p.a.` : null,
+                            s.scheduled_repayment
+                              ? `${formatAmount(s.scheduled_repayment)}${
+                                  s.repayment_frequency ? ` ${s.repayment_frequency}` : ""
+                                }`
+                              : null,
+                          ]
+                            .filter(Boolean)
+                            .join(" · ")}
+                        </div>
+                      )}
                      <Link
                        href={`/transactions?statement_id=${s.id}`}
                        className="sm:hidden text-xs text-indigo-400 hover:text-indigo-300 mt-1 inline-block"
@@ -185,7 +208,7 @@ export default function StatementsPage() {
                      {formatPeriod(s.billing_start_date, s.billing_end_date)}
                    </td>
                    <td className="px-4 py-3 text-zinc-400 whitespace-nowrap">
-                      {isCreditCard ? formatDate(s.payment_due_date) : formatDate(s.billing_end_date)}
+                      {formatDate(s.payment_due_date ?? s.billing_end_date)}
                    </td>
                    <td className="px-4 py-3 text-zinc-500 text-xs">
                      {s.currency}
@@ -199,6 +222,19 @@ export default function StatementsPage() {
                    </td>
                    <td className="px-4 py-3 text-right text-zinc-500">
                      {s.transaction_count}
+                      {/* Balance assertion: flags statements whose transactions
+                          don't add up to the closing balance. */}
+                      {s.balance_diff !== null && s.balance_diff !== undefined &&
+                        Math.abs(Number(s.balance_diff)) >= 0.02 && (
+                        <div
+                          className="text-[10px] text-amber-400 mt-0.5 whitespace-nowrap"
+                          title={`Transactions don't reconcile: expected closing ${formatAmount(
+                            s.expected_closing
+                          )}, statement says ${formatAmount(s.closing_balance)}`}
+                        >
+                          ⚠ {formatAmount(Math.abs(Number(s.balance_diff)))} off
+                        </div>
+                      )}
                    </td>
                    <td className="px-4 py-3">
                      {participants?.length ? (
@@ -1,21 +1,128 @@
 "use client";

 import { useState } from "react";
+import { useRouter } from "next/navigation";
 import { useTags, useCreateTag, useDeleteTag } from "@/lib/hooks";
+import { useQueryClient } from "@tanstack/react-query";

 const PRESET_COLORS = [
-  "#6366f1", // indigo
-  "#8b5cf6", // violet
-  "#ec4899", // pink
-  "#ef4444", // red
-  "#f97316", // orange
-  "#eab308", // yellow
-  "#22c55e", // green
-  "#14b8a6", // teal
-  "#3b82f6", // blue
-  "#6b7280", // gray
+  "#6366f1", "#8b5cf6", "#ec4899", "#ef4444", "#f97316",
+  "#eab308", "#22c55e", "#14b8a6", "#3b82f6", "#6b7280",
 ];

+function ConvertModal({
+  tag,
+  onClose,
+}: {
+  tag: { id: number; name: string; color: string; transaction_count: number };
+  onClose: () => void;
+}) {
+  const [startDate, setStartDate] = useState("");
+  const [endDate, setEndDate] = useState("");
+  const [deleteTag, setDeleteTag] = useState(true);
+  const [saving, setSaving] = useState(false);
+  const [error, setError] = useState("");
+  const router = useRouter();
+  const qc = useQueryClient();
+
+  async function handleConvert() {
+    setSaving(true);
+    setError("");
+    try {
+      const res = await fetch(`/api/tags/${tag.id}/convert-to-trip`, {
+        method: "POST",
+        headers: { "Content-Type": "application/json" },
+        body: JSON.stringify({ start_date: startDate || null, end_date: endDate || null }),
+      });
+      if (!res.ok) throw new Error((await res.json()).error || "Failed");
+      const { trip } = await res.json();
+
+      if (deleteTag) {
+        await fetch(`/api/tags/${tag.id}`, { method: "DELETE" });
+        qc.invalidateQueries({ queryKey: ["tags"] });
+      }
+
+      qc.invalidateQueries({ queryKey: ["trips"] });
+      router.push(`/trips/${trip.id}`);
+    } catch (e) {
+      setError(e instanceof Error ? e.message : "Failed to convert");
+      setSaving(false);
+    }
+  }
+
+  return (
+    <div className="fixed inset-0 z-40 flex items-center justify-center bg-black/60" onClick={onClose}>
+      <div
+        className="bg-zinc-900 border border-zinc-700 rounded-xl w-full max-w-sm mx-4 shadow-2xl"
+        onClick={(e) => e.stopPropagation()}
+      >
+        <div className="px-6 pt-5 pb-4 border-b border-zinc-800">
+          <div className="flex items-center gap-2">
+            <span className="w-3 h-3 rounded-full flex-shrink-0" style={{ backgroundColor: tag.color }} />
+            <h3 className="font-semibold text-sm text-zinc-300">Convert "{tag.name}" to Trip</h3>
+          </div>
+          <p className="text-xs text-zinc-500 mt-1">
+            Creates a trip with the same name and color, and assigns all {tag.transaction_count} tagged transaction{tag.transaction_count !== 1 ? "s" : ""} to it.
+          </p>
+        </div>
+
+        <div className="px-6 py-4 space-y-4">
+          <div className="grid grid-cols-2 gap-3">
+            <div>
+              <label className="block text-xs text-zinc-500 mb-1">Start Date</label>
+              <input
+                type="date"
+                value={startDate}
+                onChange={(e) => setStartDate(e.target.value)}
+                className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm focus:outline-none focus:border-zinc-500"
+              />
+            </div>
+            <div>
+              <label className="block text-xs text-zinc-500 mb-1">End Date</label>
+              <input
+                type="date"
+                value={endDate}
+                onChange={(e) => setEndDate(e.target.value)}
+                className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm focus:outline-none focus:border-zinc-500"
+              />
+            </div>
+          </div>
+          <p className="text-xs text-zinc-600">Dates are optional — you can set them later from the trip page.</p>
+
+          <label className="flex items-center gap-2 cursor-pointer select-none">
+            <input
+              type="checkbox"
+              checked={deleteTag}
+              onChange={(e) => setDeleteTag(e.target.checked)}
+              className="accent-indigo-500"
+            />
+            <span className="text-sm text-zinc-400">Delete this tag after converting</span>
+          </label>
+        </div>
+
+        <div className="px-6 py-4 border-t border-zinc-800 flex gap-2 items-center">
+          {error && <p className="text-red-400 text-xs mr-auto">{error}</p>}
+          <div className="flex gap-2 ml-auto">
+            <button
+              onClick={onClose}
+              className="px-4 py-2 bg-zinc-800 hover:bg-zinc-700 text-zinc-300 rounded-lg text-sm"
+            >
+              Cancel
+            </button>
+            <button
+              onClick={handleConvert}
+              disabled={saving}
+              className="px-4 py-2 bg-indigo-600 hover:bg-indigo-500 disabled:opacity-50 text-white rounded-lg text-sm font-medium"
+            >
+              {saving ? "Converting…" : "Convert to Trip"}
+            </button>
+          </div>
+        </div>
+      </div>
+    </div>
+  );
+}
+
 export default function TagsPage() {
  const { data: tags, isLoading } = useTags();
  const createTag = useCreateTag();
@@ -24,6 +131,7 @@ export default function TagsPage() {
  const [name, setName] = useState("");
  const [color, setColor] = useState(PRESET_COLORS[0]);
  const [error, setError] = useState("");
+  const [convertTag, setConvertTag] = useState<{ id: number; name: string; color: string; transaction_count: number } | null>(null);

  const handleCreate = async () => {
    if (!name.trim()) return;
@@ -38,7 +146,7 @@ export default function TagsPage() {

  return (
    <div>
-      <h2 className="text-xl font-semibold mb-4">Tags</h2>
+      <h2 className="text-2xl font-display mb-4">Tags</h2>

      {/* Create form */}
      <div className="mb-6 p-4 bg-zinc-900/50 border border-zinc-800 rounded-lg">
@@ -83,28 +191,38 @@ export default function TagsPage() {
          {tags.map((tag) => (
            <div
              key={tag.id}
-              className="flex items-center justify-between px-4 py-2.5 bg-zinc-900/50 border border-zinc-800 rounded-lg"
+              className="flex items-center justify-between px-4 py-2.5 bg-zinc-900/50 border border-zinc-800 rounded-lg group"
            >
              <div className="flex items-center gap-3">
-                <span
-                  className="w-3 h-3 rounded-full flex-shrink-0"
-                  style={{ backgroundColor: tag.color }}
-                />
+                <span className="w-3 h-3 rounded-full flex-shrink-0" style={{ backgroundColor: tag.color }} />
                <span className="text-sm font-medium">{tag.name}</span>
                <span className="text-xs text-zinc-500">
                  {tag.transaction_count} transaction{tag.transaction_count !== 1 ? "s" : ""}
                </span>
              </div>
-              <button
-                onClick={() => deleteTag.mutate(tag.id)}
-                className="text-xs text-zinc-600 hover:text-red-400 transition-colors px-2 py-0.5 rounded hover:bg-zinc-800"
-              >
-                Delete
-              </button>
+              <div className="flex items-center gap-1 opacity-0 group-hover:opacity-100 transition-opacity">
+                <button
+                  onClick={() => setConvertTag(tag)}
+                  className="text-xs text-zinc-400 hover:text-indigo-400 transition-colors px-2 py-1 rounded hover:bg-zinc-800"
+                  title="Convert to Trip"
+                >
+                  → Trip
+                </button>
+                <button
+                  onClick={() => deleteTag.mutate(tag.id)}
+                  className="text-xs text-zinc-600 hover:text-red-400 transition-colors px-2 py-1 rounded hover:bg-zinc-800"
+                >
+                  Delete
+                </button>
+              </div>
            </div>
          ))}
        </div>
      )}
+
+      {convertTag && (
+        <ConvertModal tag={convertTag} onClose={() => setConvertTag(null)} />
+      )}
    </div>
  );
 }
@@ -2,7 +2,7 @@

 import { useState, useCallback, useRef, useEffect, Suspense } from "react";
 import { useSearchParams } from "next/navigation";
-import { useTransactions, useBanks, useUpdateTransaction, useBulkAction, useTags, useStatement, useCreateRule, useParticipants, useRecordPayment, useCurrentUser } from "@/lib/hooks";
+import { useTransactions, useBanks, useUpdateTransaction, useBulkAction, useTags, useStatement, useCreateRule, useParticipants, useRecordPayment, useCurrentUser, useTrips, useAssignTransactionsToTrip, useRules } from "@/lib/hooks";
 import { CATEGORIES, formatCategory } from "@/lib/categories";
 import { SplitModal } from "@/components/split-modal";
 import { TagPicker } from "@/components/tag-picker";
@@ -10,6 +10,7 @@ import { AddTransactionModal } from "@/components/add-transaction-modal";
 import { EditTransactionModal } from "@/components/edit-transaction-modal";
 import { CsvImportModal } from "@/components/csv-import-modal";
 import type { TransactionRow } from "@/lib/queries";
+import type { RuleRow } from "@/lib/hooks";

 function formatDate(d: string) {
  return new Date(d).toLocaleDateString("en-AU", {
@@ -21,10 +22,13 @@ function formatDate(d: string) {

 const SPEND_TYPES = new Set(["debit", "fee", "interest"]);

-function formatAmount(amount: number, type: string) {
+// `amount` is in the statement's native currency; pass the currency to label it
+// correctly. Callers showing a headline figure should pass amount_aud, which is
+// what every analytics query totals.
+function formatAmount(amount: number, type: string, currency = "AUD") {
  const formatted = new Intl.NumberFormat("en-AU", {
    style: "currency",
-    currency: "AUD",
+    currency,
  }).format(amount);
  return SPEND_TYPES.has(type) ? formatted : `+${formatted}`;
 }
@@ -43,6 +47,28 @@ const TYPE_OPTIONS = [
  "debit", "credit", "payment", "refund", "fee", "interest", "transfer",
 ].map((t) => ({ value: t, label: t }));

+/** Tooltip text for a quick-action button: what the rule will actually do. */
+function describeActions(
+  actions: RuleRow["actions"],
+  tags: { id: number; name: string }[] = [],
+  participants: { id: number; name: string }[] = []
+): string {
+  const parts: string[] = [];
+  if (actions.set_category) parts.push(`category → ${formatCategory(actions.set_category)}`);
+  if (actions.set_merchant) parts.push(`merchant → ${actions.set_merchant}`);
+  if (actions.add_tag_ids?.length) {
+    const names = actions.add_tag_ids.map((id) => tags.find((t) => t.id === id)?.name ?? `tag#${id}`);
+    parts.push(`tag: ${names.join(", ")}`);
+  }
+  if (actions.apply_split?.length) {
+    const shares = actions.apply_split.map(
+      (s) => `${participants.find((p) => p.id === s.participant_id)?.name ?? `#${s.participant_id}`} ${s.share_percent}%`
+    );
+    parts.push(`split: ${shares.join(" / ")}`);
+  }
+  return parts.join(" · ") || "no actions";
+}
+
 function TypeBadge({ type }: { type: string }) {
  return (
    <span className={`px-2 py-0.5 rounded text-xs font-medium ${TYPE_COLORS[type] || "bg-zinc-800 text-zinc-400"}`}>
@@ -477,6 +503,7 @@ function TransactionsContent() {
    amount_min: undefined as number | undefined,
    amount_max: undefined as number | undefined,
    has_split: "" as string,
+    trip_id: "" as string,
  });
  const [queryInput, setQueryInput] = useState("");
  const [queryTokens, setQueryTokens] = useState<QueryToken[]>([]);
@@ -506,6 +533,7 @@ function TransactionsContent() {
  const [selected, setSelected] = useState<Set<number>>(new Set());
  const [bulkCategory, setBulkCategory] = useState("");
  const [bulkTagId, setBulkTagId] = useState("");
+  const [bulkTripId, setBulkTripId] = useState("");
  const [splitModal, setSplitModal] = useState<{ transactionId?: number; transactionIds?: number[]; amount?: number; description: string; merchant?: string } | null>(null);
  const [addModal, setAddModal] = useState<{ prefill?: Parameters<typeof AddTransactionModal>[0]["prefill"]; title?: string } | null>(null);
  const [editModal, setEditModal] = useState<TransactionRow | null>(null);
@@ -524,6 +552,12 @@ function TransactionsContent() {
  const { data: statementInfo } = useStatement(parseInt(filters.statement_id) || 0);
  const updateTxn = useUpdateTransaction();
  const bulkAction = useBulkAction();
+  const { data: trips = [] } = useTrips();
+  const assignToTrip = useAssignTransactionsToTrip();
+  const { data: allRules = [] } = useRules();
+  const { data: participants = [] } = useParticipants();
+  const quickActions = allRules.filter((r) => r.manual_only);
+  const [quickResult, setQuickResult] = useState<string | null>(null);

  const toggleSelect = useCallback((id: number) => {
    setSelected((prev) => {
@@ -564,7 +598,7 @@ function TransactionsContent() {
  return (
    <div>
      <div className="flex items-center justify-between mb-4">
-        <h2 className="text-xl font-semibold">Transactions</h2>
+        <h2 className="text-2xl font-display">Transactions</h2>
        <div className="flex gap-2">
          <button
            onClick={() => setShowImportModal(true)}
@@ -687,6 +721,17 @@ function TransactionsContent() {
          <option value="yes">Split only</option>
          <option value="no">Unsplit only</option>
        </select>
+        <select
+          value={filters.trip_id}
+          onChange={(e) => setFilters((f) => ({ ...f, trip_id: e.target.value, offset: 0 }))}
+          className="bg-zinc-900 border border-zinc-700 rounded px-3 py-1.5 text-sm text-zinc-300"
+        >
+          <option value="">All Trips</option>
+          <option value="unassigned">No Trip</option>
+          {trips.map((t) => (
+            <option key={t.id} value={String(t.id)}>{t.name}</option>
+          ))}
+        </select>
      </div>

      {/* Bulk action bar */}
@@ -748,6 +793,56 @@ function TransactionsContent() {
          >
            Tag
          </button>
+          <select
+            value={bulkTripId}
+            onChange={(e) => setBulkTripId(e.target.value)}
+            className="bg-zinc-800 border border-zinc-600 rounded px-2 py-1 text-sm"
+          >
+            <option value="">Assign trip…</option>
+            <option value="remove">Remove from trip</option>
+            {trips.filter((t) => !t.archived).map((t) => (
+              <option key={t.id} value={String(t.id)}>{t.name}</option>
+            ))}
+          </select>
+          <button
+            disabled={!bulkTripId || assignToTrip.isPending}
+            onClick={() => {
+              const tripId = bulkTripId === "remove" ? null : Number(bulkTripId);
+              assignToTrip.mutate(
+                { tripId, transactionIds: Array.from(selected) },
+                { onSuccess: () => { setSelected(new Set()); setBulkTripId(""); } }
+              );
+            }}
+            className="px-3 py-1 bg-emerald-700 hover:bg-emerald-600 disabled:opacity-50 rounded text-sm"
+          >
+            {bulkTripId === "remove" ? "Remove" : "Assign"}
+          </button>
+          {quickActions.length > 0 && (
+            <div className="flex items-center gap-2 pl-3 ml-1 border-l border-zinc-700">
+              {quickActions.map((rule) => (
+                <button
+                  key={rule.id}
+                  disabled={bulkAction.isPending}
+                  title={describeActions(rule.actions, tags, participants)}
+                  onClick={() => {
+                    const count = selected.size;
+                    bulkAction.mutate(
+                      { action: "apply_rule", ids: Array.from(selected), rule_id: rule.id },
+                      {
+                        onSuccess: () => {
+                          setSelected(new Set());
+                          setQuickResult(`${rule.name} applied to ${count} transaction${count !== 1 ? "s" : ""}`);
+                        },
+                      }
+                    );
+                  }}
+                  className="px-3 py-1 bg-amber-700/80 hover:bg-amber-600 disabled:opacity-50 rounded text-sm"
+                >
+                  {rule.name}
+                </button>
+              ))}
+            </div>
+          )}
          <button
            onClick={() => setSelected(new Set())}
            className="px-3 py-1 text-zinc-400 hover:text-white text-sm"
@@ -757,6 +852,18 @@ function TransactionsContent() {
        </div>
      )}

+      {quickResult && (
+        <div className="flex items-center gap-3 mb-3 px-3 py-2 bg-emerald-900/30 border border-emerald-700 rounded text-sm text-emerald-200">
+          <span>{quickResult}</span>
+          <a href="/rules" className="text-emerald-400 hover:text-emerald-300 underline">
+            undo from Rules → Apply History
+          </a>
+          <button onClick={() => setQuickResult(null)} className="ml-auto text-zinc-400 hover:text-white">
+            dismiss
+          </button>
+        </div>
+      )}
+
      {/* Table */}
      <div className="overflow-x-auto border border-zinc-800 rounded-lg">
        <table className="w-full text-sm min-w-[900px]">
@@ -843,7 +950,12 @@ function TransactionsContent() {
                  <td className={`p-2 text-right whitespace-nowrap font-mono ${
                    SPEND_TYPES.has(t.transaction_type) ? "text-red-400" : "text-green-400"
                  }`}>
-                    {formatAmount(t.amount, t.transaction_type)}
+                    {formatAmount(t.amount_aud ?? t.amount, t.transaction_type)}
+                    {t.currency && t.currency !== "AUD" && (
+                      <div className="text-[10px] text-zinc-500 mt-0.5">
+                        {formatAmount(t.amount, t.transaction_type, t.currency)}
+                      </div>
+                    )}
                  </td>
                  <td className="p-2">
                    <EditableTypeBadge
@@ -896,7 +1008,7 @@ function TransactionsContent() {
                        </span>
                      ))}
                      <button
-                        onClick={() => setSplitModal({ transactionId: t.id, amount: t.amount, description: t.description, merchant: t.effective_merchant || undefined, transactionIds: undefined })}
+                        onClick={() => setSplitModal({ transactionId: t.id, amount: t.amount_aud ?? t.amount, description: t.description, merchant: t.effective_merchant || undefined, transactionIds: undefined })}
                        className={`text-xs px-2 py-0.5 rounded transition-colors ${
                          t.splits?.some((s) => s.participant_id !== me?.id)
                            ? "text-amber-400 hover:text-amber-200 hover:bg-zinc-800"
@@ -929,7 +1041,9 @@ function TransactionsContent() {
                        prefill: {
                          date: new Date().toISOString().slice(0, 10),
                          description: t.description,
-                          amount: t.amount,
+                          // Duplicates become manual (AUD) transactions, so seed
+                          // them with the converted figure, not the native one.
+                          amount: t.amount_aud ?? t.amount,
                          transaction_type: t.transaction_type,
                          merchant_normalized: t.effective_merchant || undefined,
                          category: t.effective_category || undefined,
@@ -0,0 +1,373 @@
+"use client";
+
+import { use, useState } from "react";
+import Link from "next/link";
+import {
+  BarChart,
+  Bar,
+  XAxis,
+  YAxis,
+  Tooltip,
+  ResponsiveContainer,
+  Cell,
+} from "recharts";
+import { useTripAnalytics, useTrip, useTransactions } from "@/lib/hooks";
+import { CreateTripModal } from "@/components/create-trip-modal";
+import { formatCategory } from "@/lib/categories";
+import { CATEGORY_COLORS, TOOLTIP_STYLE } from "@/lib/category-colors";
+
+function fmtDate(d: string | null) {
+  if (!d) return null;
+  return new Date(d).toLocaleDateString("en-AU", { day: "2-digit", month: "short", year: "numeric" });
+}
+
+function StatCard({
+  label,
+  value,
+  sub,
+  color,
+}: {
+  label: string;
+  value: string;
+  sub?: string;
+  color: string;
+}) {
+  return (
+    <div className="bg-zinc-900 border border-zinc-800 rounded-xl p-5 relative overflow-hidden">
+      <div className="absolute top-0 left-0 right-0 h-0.5" style={{ backgroundColor: color }} />
+      <p className="text-xs text-zinc-500 mb-1">{label}</p>
+      <p className="text-2xl font-semibold tabular-nums">{value}</p>
+      {sub && <p className="text-xs text-zinc-600 mt-1 truncate">{sub}</p>}
+    </div>
+  );
+}
+
+function DailyTooltip({ active, payload, label }: { active?: boolean; payload?: { value: number }[]; label?: string }) {
+  if (!active || !payload?.length) return null;
+  return (
+    <div style={TOOLTIP_STYLE} className="p-2.5 text-xs">
+      <p className="text-zinc-400 mb-1">
+        {label ? new Date(label).toLocaleDateString("en-AU", { day: "2-digit", month: "short", year: "numeric" }) : ""}
+      </p>
+      <p className="text-zinc-100 font-medium">${Number(payload[0].value).toFixed(2)}</p>
+    </div>
+  );
+}
+
+function CategoryTooltip({ active, payload }: { active?: boolean; payload?: { payload: { category: string }; value: number }[] }) {
+  if (!active || !payload?.length) return null;
+  return (
+    <div style={TOOLTIP_STYLE} className="p-2.5 text-xs">
+      <p className="text-zinc-400 mb-1">{formatCategory(payload[0].payload.category)}</p>
+      <p className="text-zinc-100 font-medium">${Number(payload[0].value).toFixed(2)}</p>
+    </div>
+  );
+}
+
+export default function TripDetailPage({ params }: { params: Promise<{ id: string }> }) {
+  const { id } = use(params);
+  const tripId = Number(id);
+
+  const { data: analytics, isLoading } = useTripAnalytics(tripId);
+  const { data: trip } = useTrip(tripId);
+  const [tab, setTab] = useState<"overview" | "transactions">("overview");
+  const [editModal, setEditModal] = useState(false);
+
+  const { data: txData } = useTransactions({ trip_id: id, limit: 500 });
+
+  if (isLoading || !analytics) {
+    return (
+      <div className="space-y-6">
+        <div className="h-32 bg-zinc-900 rounded-2xl animate-pulse" />
+        <div className="grid grid-cols-2 sm:grid-cols-4 gap-4">
+          {[...Array(4)].map((_, i) => <div key={i} className="h-24 bg-zinc-900 rounded-xl animate-pulse" />)}
+        </div>
+      </div>
+    );
+  }
+
+  const { total_spend, transaction_count, num_days, daily_average, category_breakdown, daily_spend, top_merchants, tag_breakdown, participant_splits } = analytics;
+  const t = analytics.trip;
+  const maxMerchant = top_merchants[0]?.amount ?? 1;
+
+  const dateRange = t.start_date && t.end_date
+    ? `${fmtDate(t.start_date)} – ${fmtDate(t.end_date)}`
+    : t.start_date
+    ? `From ${fmtDate(t.start_date)}`
+    : null;
+
+  return (
+    <div className="space-y-6">
+      {/* Hero */}
+      <div
+        className="relative rounded-2xl overflow-hidden p-6"
+        style={{
+          background: `linear-gradient(135deg, ${t.color}28 0%, #18181b 60%)`,
+          borderLeft: `3px solid ${t.color}`,
+        }}
+      >
+        <div className="flex items-start justify-between gap-4 flex-wrap">
+          <div>
+            <div className="flex items-center gap-2 mb-1">
+              <Link href="/trips" className="text-xs text-zinc-500 hover:text-zinc-300 transition-colors">
+                ← Trips
+              </Link>
+            </div>
+            <h1 className="text-2xl font-bold">{t.name}</h1>
+            {dateRange && <p className="text-sm text-zinc-400 mt-1">{dateRange}</p>}
+            {t.description && <p className="text-sm text-zinc-500 mt-1">{t.description}</p>}
+          </div>
+          <button
+            onClick={() => setEditModal(true)}
+            className="px-3 py-1.5 bg-zinc-800/80 hover:bg-zinc-700 text-zinc-300 rounded-lg text-sm transition-colors flex-shrink-0"
+          >
+            Edit Trip
+          </button>
+        </div>
+      </div>
+
+      {/* Stat cards */}
+      <div className="grid grid-cols-2 sm:grid-cols-4 gap-4">
+        <StatCard label="Total Spend" value={`$${Number(total_spend).toFixed(2)}`} sub="all transactions" color={t.color} />
+        <StatCard label="Transactions" value={String(transaction_count)} sub="total" color={t.color} />
+        <StatCard label="Daily Average" value={`$${Number(daily_average).toFixed(2)}`} sub="per day" color={t.color} />
+        <StatCard label="Days" value={String(num_days)} sub={dateRange ?? "date range"} color={t.color} />
+      </div>
+
+      {/* Tab bar */}
+      <div className="flex gap-0 border-b border-zinc-800">
+        {(["overview", "transactions"] as const).map((tabName) => (
+          <button
+            key={tabName}
+            onClick={() => setTab(tabName)}
+            className={`px-5 py-2.5 text-sm capitalize transition-colors border-b-2 -mb-px ${
+              tab === tabName
+                ? "border-current text-white font-medium"
+                : "border-transparent text-zinc-500 hover:text-zinc-300"
+            }`}
+            style={tab === tabName ? { borderColor: t.color } : {}}
+          >
+            {tabName}
+          </button>
+        ))}
+      </div>
+
+      {tab === "overview" && (
+        <div className="space-y-5">
+          {/* Daily spend */}
+          {daily_spend.length > 0 && (
+            <div className="bg-zinc-900 border border-zinc-800 rounded-xl p-5">
+              <h3 className="text-sm font-medium mb-4">Daily Spend</h3>
+              <ResponsiveContainer width="100%" height={200}>
+                <BarChart data={daily_spend} margin={{ top: 4, right: 8, bottom: 0, left: 8 }}>
+                  <XAxis
+                    dataKey="date"
+                    tick={{ fill: "#71717a", fontSize: 11 }}
+                    axisLine={false}
+                    tickLine={false}
+                    tickFormatter={(v) => new Date(v).toLocaleDateString("en-AU", { day: "2-digit", month: "short" })}
+                    interval="preserveStartEnd"
+                  />
+                  <YAxis
+                    tick={{ fill: "#71717a", fontSize: 11 }}
+                    axisLine={false}
+                    tickLine={false}
+                    tickFormatter={(v) => `$${v}`}
+                    width={52}
+                  />
+                  <Tooltip content={<DailyTooltip />} cursor={{ fill: "#27272a" }} />
+                  <Bar dataKey="amount" fill={t.color} radius={[3, 3, 0, 0]} maxBarSize={40} opacity={0.85} />
+                </BarChart>
+              </ResponsiveContainer>
+            </div>
+          )}
+
+          <div className="grid grid-cols-1 lg:grid-cols-2 gap-5">
+            {/* Category breakdown */}
+            {category_breakdown.length > 0 && (
+              <div className="bg-zinc-900 border border-zinc-800 rounded-xl p-5">
+                <h3 className="text-sm font-medium mb-4">By Category</h3>
+                <ResponsiveContainer width="100%" height={Math.max(120, category_breakdown.length * 32)}>
+                  <BarChart
+                    data={category_breakdown}
+                    layout="vertical"
+                    margin={{ top: 0, right: 60, bottom: 0, left: 100 }}
+                  >
+                    <XAxis type="number" tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `$${v}`} />
+                    <YAxis
+                      type="category"
+                      dataKey="category"
+                      tick={{ fill: "#a1a1aa", fontSize: 12 }}
+                      axisLine={false}
+                      tickLine={false}
+                      tickFormatter={formatCategory}
+                      width={98}
+                    />
+                    <Tooltip content={<CategoryTooltip />} cursor={{ fill: "#27272a" }} />
+                    <Bar dataKey="amount" radius={[0, 3, 3, 0]} maxBarSize={22}>
+                      {category_breakdown.map((entry) => (
+                        <Cell key={entry.category} fill={CATEGORY_COLORS[entry.category] || "#6366f1"} opacity={0.85} />
+                      ))}
+                    </Bar>
+                  </BarChart>
+                </ResponsiveContainer>
+              </div>
+            )}
+
+            {/* Top merchants */}
+            {top_merchants.length > 0 && (
+              <div className="bg-zinc-900 border border-zinc-800 rounded-xl p-5">
+                <h3 className="text-sm font-medium mb-4">Top Merchants</h3>
+                <div className="space-y-3">
+                  {top_merchants.map((m, i) => (
+                    <div key={m.merchant} className="flex items-center gap-3">
+                      <span className="text-xs text-zinc-600 w-4 tabular-nums text-right">{i + 1}</span>
+                      <div className="flex-1 min-w-0">
+                        <div className="flex items-center justify-between mb-1">
+                          <span className="text-sm truncate">{m.merchant || "Unknown"}</span>
+                          <span className="text-sm font-mono tabular-nums ml-2 flex-shrink-0">${Number(m.amount).toFixed(2)}</span>
+                        </div>
+                        <div className="h-1.5 bg-zinc-800 rounded-full overflow-hidden">
+                          <div
+                            className="h-full rounded-full"
+                            style={{
+                              width: `${(m.amount / maxMerchant) * 100}%`,
+                              backgroundColor: t.color,
+                              opacity: 0.7,
+                            }}
+                          />
+                        </div>
+                      </div>
+                    </div>
+                  ))}
+                </div>
+              </div>
+            )}
+          </div>
+
+          {/* Tag breakdown */}
+          {tag_breakdown.length > 0 && (
+            <div className="bg-zinc-900 border border-zinc-800 rounded-xl p-5">
+              <h3 className="text-sm font-medium mb-3">By Tag</h3>
+              <div className="flex flex-wrap gap-2">
+                {tag_breakdown.map((tag) => (
+                  <div
+                    key={tag.tag_id}
+                    className="flex items-center gap-2 px-3 py-2 rounded-lg border border-zinc-800 bg-zinc-800/50"
+                  >
+                    <span className="w-2.5 h-2.5 rounded-full flex-shrink-0" style={{ backgroundColor: tag.color }} />
+                    <span className="text-sm font-medium">{tag.name}</span>
+                    <span className="text-xs text-zinc-500">{tag.count} txns</span>
+                    <span className="text-sm font-mono tabular-nums text-zinc-300">${Number(tag.amount).toFixed(2)}</span>
+                  </div>
+                ))}
+              </div>
+            </div>
+          )}
+
+          {/* Participant splits */}
+          {participant_splits.length > 0 && (
+            <div className="bg-zinc-900 border border-zinc-800 rounded-xl overflow-hidden">
+              <div className="px-5 py-3 border-b border-zinc-800 flex items-center justify-between">
+                <h3 className="text-sm font-medium">Participant Splits</h3>
+                <Link href="/shared" className="text-xs text-zinc-500 hover:text-zinc-300">
+                  View in Shared →
+                </Link>
+              </div>
+              <table className="w-full text-sm">
+                <thead>
+                  <tr className="border-b border-zinc-800">
+                    {["Person", "Share of this trip"].map((h) => (
+                      <th
+                        key={h}
+                        className={`px-5 py-2.5 text-xs text-zinc-500 font-medium ${h === "Person" ? "text-left" : "text-right"}`}
+                      >
+                        {h}
+                      </th>
+                    ))}
+                  </tr>
+                </thead>
+                <tbody>
+                  {participant_splits.map((p) => (
+                    <tr key={p.participant_id} className="border-b border-zinc-800/50 last:border-0">
+                      <td className="px-5 py-3 font-medium">{p.name}</td>
+                      <td className="px-5 py-3 text-right tabular-nums font-mono">${Number(p.owed).toFixed(2)}</td>
+                    </tr>
+                  ))}
+                </tbody>
+              </table>
+              {/* Settled/unsettled was reported from transaction_splits.settled,
+                  which nothing sets — so every trip showed 100% unsettled forever,
+                  including ones already paid in full. Settlement is tracked across
+                  the whole relationship, not per trip: payments carry no trip
+                  attribution, so a per-trip figure cannot be computed. */}
+              <p className="px-5 py-2.5 text-xs text-zinc-500 border-t border-zinc-800">
+                Settlement is tracked across all shared expenses, not per trip —
+                see <Link href="/shared" className="text-zinc-400 hover:text-zinc-200 underline">Shared</Link> for
+                what is actually owed.
+              </p>
+            </div>
+          )}
+
+          {category_breakdown.length === 0 && daily_spend.length === 0 && (
+            <div className="text-center py-12 text-zinc-600">
+              <p className="text-sm">No transactions assigned to this trip yet.</p>
+              <Link href="/transactions" className="text-indigo-400 hover:text-indigo-300 text-sm mt-1 inline-block">
+                Go to Transactions to assign some →
+              </Link>
+            </div>
+          )}
+        </div>
+      )}
+
+      {tab === "transactions" && (
+        <div>
+          {!txData?.data.length ? (
+            <div className="text-center py-12 text-zinc-600">
+              <p className="text-sm">No transactions assigned to this trip yet.</p>
+              <Link href="/transactions" className="text-indigo-400 hover:text-indigo-300 text-sm mt-1 inline-block">
+                Go to Transactions to assign some →
+              </Link>
+            </div>
+          ) : (
+            <div className="border border-zinc-800 rounded-xl overflow-hidden">
+              <table className="w-full text-sm">
+                <thead>
+                  <tr className="border-b border-zinc-800 bg-zinc-900/60">
+                    {["Date", "Description", "Merchant", "Category", "Amount"].map((h) => (
+                      <th
+                        key={h}
+                        className={`px-4 py-2.5 text-xs text-zinc-500 font-medium ${h === "Amount" ? "text-right" : "text-left"}`}
+                      >
+                        {h}
+                      </th>
+                    ))}
+                  </tr>
+                </thead>
+                <tbody>
+                  {txData.data.map((tx) => (
+                    <tr key={tx.id} className="border-b border-zinc-800/40 last:border-0 hover:bg-zinc-900/40 transition-colors">
+                      <td className="px-4 py-2.5 text-xs text-zinc-400 whitespace-nowrap">
+                        {new Date(tx.transaction_date).toLocaleDateString("en-AU", { day: "2-digit", month: "short" })}
+                      </td>
+                      <td className="px-4 py-2.5 max-w-xs truncate text-zinc-300">{tx.description}</td>
+                      <td className="px-4 py-2.5 text-zinc-400 truncate">{tx.effective_merchant || "—"}</td>
+                      <td className="px-4 py-2.5 text-zinc-500 text-xs">{formatCategory(tx.effective_category)}</td>
+                      <td className="px-4 py-2.5 text-right tabular-nums font-mono text-red-400">
+                        ${Number(tx.amount).toFixed(2)}
+                      </td>
+                    </tr>
+                  ))}
+                </tbody>
+              </table>
+            </div>
+          )}
+        </div>
+      )}
+
+      {editModal && trip && (
+        <CreateTripModal trip={trip} onClose={() => setEditModal(false)} />
+      )}
+    </div>
+  );
+}
@@ -0,0 +1,153 @@
+"use client";
+
+import { useState } from "react";
+import Link from "next/link";
+import { useTrips, useDeleteTrip } from "@/lib/hooks";
+import type { TripRow } from "@/lib/hooks";
+import { CreateTripModal } from "@/components/create-trip-modal";
+
+function fmtDate(d: string | null) {
+  if (!d) return null;
+  return new Date(d).toLocaleDateString("en-AU", { day: "2-digit", month: "short", year: "numeric" });
+}
+
+function TripCard({ trip, onEdit, onDelete }: { trip: TripRow; onEdit: () => void; onDelete: () => void }) {
+  const dateRange = trip.start_date && trip.end_date
+    ? `${fmtDate(trip.start_date)} – ${fmtDate(trip.end_date)}`
+    : trip.start_date
+    ? `From ${fmtDate(trip.start_date)}`
+    : "No dates set";
+
+  return (
+    <div className="relative bg-zinc-900 border border-zinc-800 rounded-xl overflow-hidden hover:border-zinc-600 transition-colors group">
+      <div className="absolute left-0 top-0 bottom-0 w-1 rounded-l-xl" style={{ backgroundColor: trip.color }} />
+      <Link href={`/trips/${trip.id}`} className="block p-5 pl-6">
+        <p className="font-semibold text-base truncate">{trip.name}</p>
+        {trip.description && (
+          <p className="text-xs text-zinc-500 mt-0.5 truncate">{trip.description}</p>
+        )}
+        <p className="text-xs text-zinc-600 mt-1">{dateRange}</p>
+        <div className="mt-4 flex items-baseline gap-3">
+          <span className="text-2xl font-semibold tabular-nums">${Number(trip.total_spend).toFixed(2)}</span>
+          <span className="text-xs text-zinc-500">{trip.transaction_count} transactions</span>
+        </div>
+      </Link>
+      <div className="px-5 pb-4 flex gap-2 opacity-0 group-hover:opacity-100 transition-opacity">
+        <button
+          onClick={onEdit}
+          className="text-xs text-zinc-400 hover:text-white px-2 py-1 rounded hover:bg-zinc-800 transition-colors"
+        >
+          Edit
+        </button>
+        <button
+          onClick={onDelete}
+          className="text-xs text-red-500 hover:text-red-400 px-2 py-1 rounded hover:bg-zinc-800 transition-colors"
+        >
+          Delete
+        </button>
+      </div>
+    </div>
+  );
+}
+
+export default function TripsPage() {
+  const { data: trips = [], isLoading } = useTrips();
+  const deleteTrip = useDeleteTrip();
+  const [modal, setModal] = useState<{ trip?: TripRow } | null>(null);
+
+  const active = trips.filter((t) => !t.archived);
+  const archived = trips.filter((t) => t.archived);
+
+  return (
+    <div className="space-y-6">
+      <div className="flex items-center justify-between">
+        <div>
+          <h2 className="text-2xl font-display">Trips</h2>
+          <p className="text-sm text-zinc-500 mt-0.5">Group and analyse expenses by trip</p>
+        </div>
+        <button
+          onClick={() => setModal({})}
+          className="px-4 py-2 bg-indigo-600 hover:bg-indigo-500 text-white rounded-lg text-sm font-medium transition-colors"
+        >
+          + New Trip
+        </button>
+      </div>
+
+      {isLoading ? (
+        <div className="grid grid-cols-1 sm:grid-cols-2 lg:grid-cols-3 gap-4">
+          {[...Array(3)].map((_, i) => (
+            <div key={i} className="bg-zinc-900 border border-zinc-800 rounded-xl p-5 animate-pulse">
+              <div className="h-4 bg-zinc-800 rounded w-2/3 mb-3" />
+              <div className="h-3 bg-zinc-800 rounded w-1/3 mb-4" />
+              <div className="h-7 bg-zinc-800 rounded w-1/2" />
+            </div>
+          ))}
+        </div>
+      ) : active.length === 0 ? (
+        <div className="text-center py-20 text-zinc-600">
+          <svg className="w-12 h-12 mx-auto mb-4 opacity-30" fill="none" stroke="currentColor" viewBox="0 0 24 24">
+            <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={1.5} d="M17.657 16.657L13.414 20.9a1.998 1.998 0 01-2.827 0l-4.244-4.243a8 8 0 1111.314 0z" />
+            <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={1.5} d="M15 11a3 3 0 11-6 0 3 3 0 016 0z" />
+          </svg>
+          <p className="text-lg font-medium mb-1">No trips yet</p>
+          <p className="text-sm">Create a trip to group and analyse expenses — holidays, events, work travel.</p>
+          <button
+            onClick={() => setModal({})}
+            className="mt-4 px-4 py-2 bg-indigo-600 hover:bg-indigo-500 text-white rounded-lg text-sm font-medium"
+          >
+            Create your first trip
+          </button>
+        </div>
+      ) : (
+        <div className="grid grid-cols-1 sm:grid-cols-2 lg:grid-cols-3 gap-4">
+          {active.map((trip) => (
+            <TripCard
+              key={trip.id}
+              trip={trip}
+              onEdit={() => setModal({ trip })}
+              onDelete={() => {
+                if (confirm(`Delete "${trip.name}"? This will unlink all transactions from this trip.`)) {
+                  deleteTrip.mutate(trip.id);
+                }
+              }}
+            />
+          ))}
+        </div>
+      )}
+
+      {archived.length > 0 && (
+        <details className="group/archived">
+          <summary className="text-sm text-zinc-500 cursor-pointer hover:text-zinc-300 list-none flex items-center gap-2 select-none">
+            <svg className="w-3 h-3 transition-transform group-open/archived:rotate-90" fill="currentColor" viewBox="0 0 20 20">
+              <path fillRule="evenodd" d="M7.293 4.707a1 1 0 011.414 0L14 10l-5.293 5.293a1 1 0 01-1.414-1.414L11.586 10 6.586 5a1 1 0 010-1.293z" clipRule="evenodd" />
+            </svg>
+            Archived ({archived.length})
+          </summary>
+          <div className="grid grid-cols-1 sm:grid-cols-2 lg:grid-cols-3 gap-4 mt-3">
+            {archived.map((trip) => (
+              <div key={trip.id} className="relative bg-zinc-900/50 border border-zinc-800 rounded-xl overflow-hidden opacity-60 hover:opacity-100 transition-opacity group">
+                <div className="absolute left-0 top-0 bottom-0 w-1 rounded-l-xl" style={{ backgroundColor: trip.color }} />
+                <Link href={`/trips/${trip.id}`} className="block p-5 pl-6">
+                  <p className="font-medium truncate">{trip.name}</p>
+                  <p className="text-xs text-zinc-600 mt-1">${Number(trip.total_spend).toFixed(2)} · {trip.transaction_count} transactions</p>
+                </Link>
+                <div className="px-5 pb-4 flex gap-2 opacity-0 group-hover:opacity-100 transition-opacity">
+                  <button
+                    onClick={() => setModal({ trip })}
+                    className="text-xs text-zinc-400 hover:text-white px-2 py-1 rounded hover:bg-zinc-800"
+                  >
+                    Edit
+                  </button>
+                </div>
+              </div>
+            ))}
+          </div>
+        </details>
+      )}
+
+      {modal !== null && (
+        <CreateTripModal trip={modal.trip} onClose={() => setModal(null)} />
+      )}
+    </div>
+  );
+}
@@ -35,6 +35,8 @@ export function AddTransactionModal({
  const [type, setType] = useState(prefill?.transaction_type ?? "debit");
  const [merchant, setMerchant] = useState(prefill?.merchant_normalized ?? "");
  const [category, setCategory] = useState(prefill?.category ?? "");
+  // Cash is excluded from reconciliation — it will never appear on a statement.
+  const [paymentMethod, setPaymentMethod] = useState("");
  const [selectedTagIds, setSelectedTagIds] = useState<number[]>([]);
  const [splits, setSplits] = useState<{ participant_id: number; share_percent: number }[]>(
    prefill?.splits ?? []
@@ -68,6 +70,7 @@ export function AddTransactionModal({
      transaction_type: type,
      merchant_normalized: merchant || undefined,
      category: category || undefined,
+      payment_method: paymentMethod || undefined,
      splits: splits.length ? splits : undefined,
    });
    if (selectedTagIds.length && result?.id) {
@@ -159,6 +162,26 @@ export function AddTransactionModal({
            </div>
          </div>

+          <div>
+            <label className="block text-xs text-zinc-500 mb-1">Paid by</label>
+            <select
+              value={paymentMethod}
+              onChange={(e) => setPaymentMethod(e.target.value)}
+              className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+            >
+              <option value="">— unknown —</option>
+              <option value="card">Card</option>
+              <option value="cash">Cash</option>
+              <option value="bank_transfer">Bank transfer</option>
+              <option value="other">Other</option>
+            </select>
+            {paymentMethod === "cash" && (
+              <p className="text-[11px] text-zinc-500 mt-1">
+                Cash won&apos;t be offered for reconciliation — it never appears on a statement.
+              </p>
+            )}
+          </div>
+
          <div>
            <label className="block text-xs text-zinc-500 mb-1">Merchant (optional)</label>
            <input
@@ -0,0 +1,157 @@
+"use client";
+
+import { useState } from "react";
+import { useCreateTrip, useUpdateTrip } from "@/lib/hooks";
+import type { TripRow } from "@/lib/hooks";
+
+export function CreateTripModal({
+  trip,
+  onClose,
+}: {
+  trip?: TripRow;
+  onClose: () => void;
+}) {
+  const isEdit = !!trip;
+  const [name, setName] = useState(trip?.name ?? "");
+  const [description, setDescription] = useState(trip?.description ?? "");
+  const [startDate, setStartDate] = useState(trip?.start_date?.slice(0, 10) ?? "");
+  const [endDate, setEndDate] = useState(trip?.end_date?.slice(0, 10) ?? "");
+  const [color, setColor] = useState(trip?.color ?? "#6366f1");
+  const [archived, setArchived] = useState(trip?.archived ?? false);
+  const [error, setError] = useState("");
+
+  const createTrip = useCreateTrip();
+  const updateTrip = useUpdateTrip();
+  const isPending = createTrip.isPending || updateTrip.isPending;
+
+  async function handleSave() {
+    setError("");
+    if (!name.trim()) { setError("Name is required"); return; }
+    try {
+      if (isEdit) {
+        await updateTrip.mutateAsync({
+          id: trip!.id,
+          name: name.trim(),
+          description: description || null,
+          start_date: startDate || null,
+          end_date: endDate || null,
+          color,
+          archived,
+        });
+      } else {
+        await createTrip.mutateAsync({
+          name: name.trim(),
+          description: description || null,
+          start_date: startDate || null,
+          end_date: endDate || null,
+          color,
+          archived,
+        });
+      }
+      onClose();
+    } catch (e) {
+      setError(e instanceof Error ? e.message : "Failed to save");
+    }
+  }
+
+  return (
+    <div className="fixed inset-0 z-40 flex items-center justify-center bg-black/60" onClick={onClose}>
+      <div
+        className="bg-zinc-900 border border-zinc-700 rounded-xl w-full max-w-md mx-4 shadow-2xl flex flex-col"
+        onClick={(e) => e.stopPropagation()}
+      >
+        <div className="px-6 pt-5 pb-4 border-b border-zinc-800">
+          <h3 className="font-semibold text-sm text-zinc-300">{isEdit ? "Edit Trip" : "New Trip"}</h3>
+        </div>
+
+        <div className="px-6 py-4 space-y-4">
+          <div>
+            <label className="block text-xs text-zinc-500 mb-1">Name *</label>
+            <input
+              value={name}
+              onChange={(e) => setName(e.target.value)}
+              placeholder="e.g. Europe 2026"
+              className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm focus:outline-none focus:border-zinc-500"
+            />
+          </div>
+
+          <div>
+            <label className="block text-xs text-zinc-500 mb-1">Description</label>
+            <textarea
+              value={description}
+              onChange={(e) => setDescription(e.target.value)}
+              rows={2}
+              placeholder="Optional notes about this trip"
+              className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm resize-none focus:outline-none focus:border-zinc-500"
+            />
+          </div>
+
+          <div className="grid grid-cols-2 gap-3">
+            <div>
+              <label className="block text-xs text-zinc-500 mb-1">Start Date</label>
+              <input
+                type="date"
+                value={startDate}
+                onChange={(e) => setStartDate(e.target.value)}
+                className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm focus:outline-none focus:border-zinc-500"
+              />
+            </div>
+            <div>
+              <label className="block text-xs text-zinc-500 mb-1">End Date</label>
+              <input
+                type="date"
+                value={endDate}
+                onChange={(e) => setEndDate(e.target.value)}
+                className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm focus:outline-none focus:border-zinc-500"
+              />
+            </div>
+          </div>
+
+          <div className="flex items-center gap-4">
+            <div>
+              <label className="block text-xs text-zinc-500 mb-1">Color</label>
+              <input
+                type="color"
+                value={color}
+                onChange={(e) => setColor(e.target.value)}
+                className="h-9 w-16 rounded border border-zinc-700 bg-zinc-800 cursor-pointer"
+              />
+            </div>
+            {isEdit && (
+              <label className="flex items-center gap-2 text-sm text-zinc-400 mt-4 cursor-pointer select-none">
+                <input
+                  type="checkbox"
+                  checked={archived}
+                  onChange={(e) => setArchived(e.target.checked)}
+                  className="accent-indigo-500"
+                />
+                Archived
+              </label>
+            )}
+          </div>
+        </div>
+
+        <div className="px-6 py-4 border-t border-zinc-800 flex gap-2 items-center">
+          {error && <p className="text-red-400 text-xs mr-auto">{error}</p>}
+          <div className="flex gap-2 ml-auto">
+            <button
+              type="button"
+              onClick={onClose}
+              className="px-4 py-2 bg-zinc-800 hover:bg-zinc-700 text-zinc-300 rounded-lg text-sm"
+            >
+              Cancel
+            </button>
+            <button
+              type="button"
+              onClick={handleSave}
+              disabled={isPending}
+              className="px-4 py-2 bg-indigo-600 hover:bg-indigo-500 disabled:opacity-50 text-white rounded-lg text-sm font-medium"
+            >
+              {isPending ? "Saving…" : isEdit ? "Save Changes" : "Create Trip"}
+            </button>
+          </div>
+        </div>
+      </div>
+    </div>
+  );
+}
@@ -7,6 +7,7 @@ import {
  useAddTransactionTag,
  useRemoveTransactionTag,
  useTransactionSplits,
+  useTrips,
 } from "@/lib/hooks";
 import { SplitModal } from "./split-modal";
 import { CATEGORIES, formatCategory } from "@/lib/categories";
@@ -93,6 +94,7 @@ export function EditTransactionModal({
 }) {
  const isManual = !transaction.statement_id;
  const updateTxn = useUpdateTransaction();
+  const { data: trips = [] } = useTrips();

  // Editable override fields
  const [merchant, setMerchant] = useState(transaction.merchant_override ?? transaction.merchant_normalized ?? "");
@@ -105,6 +107,8 @@ export function EditTransactionModal({
  const [description, setDescription] = useState(transaction.description);
  const [amount, setAmount] = useState(String(transaction.amount));

+  const [tripId, setTripId] = useState<number | null>(transaction.trip_id ?? null);
+
  // Splits — live via hook so they refresh after SplitModal saves
  const { data: liveSplits = [] } = useTransactionSplits(transaction.id);

@@ -136,6 +140,9 @@ export function EditTransactionModal({
          patch.amount = parseFloat(amount);
      }

+      if (tripId !== (transaction.trip_id ?? null))
+        patch.trip_id = tripId;
+
      await updateTxn.mutateAsync(patch);
      onClose();
    } catch (e) {
@@ -255,6 +262,21 @@ export function EditTransactionModal({
              </div>
            </div>

+            {/* Trip */}
+            <div>
+              <label className="block text-xs text-zinc-500 mb-1">Trip</label>
+              <select
+                value={tripId ?? ""}
+                onChange={(e) => setTripId(e.target.value ? Number(e.target.value) : null)}
+                className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+              >
+                <option value="">— No Trip —</option>
+                {trips.filter((t) => !t.archived).map((t) => (
+                  <option key={t.id} value={t.id}>{t.name}</option>
+                ))}
+              </select>
+            </div>
+
            {/* Tags */}
            <div>
              <p className="text-xs text-zinc-500 mb-1.5">Tags</p>
@@ -0,0 +1,164 @@
+"use client";
+
+import { useEffect, useMemo, useState } from "react";
+import { useRuleMatches, useApplyRuleToSelection, type RuleMatchChange } from "@/lib/hooks";
+import { formatCategory } from "@/lib/categories";
+
+/**
+ * Preview what a rule would do, then apply it to a chosen subset.
+ *
+ * The apply path takes explicit transaction ids rather than re-running the
+ * conditions, so what you tick is exactly what changes — a rule whose
+ * conditions are too broad cannot quietly reach further than the preview showed.
+ */
+
+function fmt(amount: number, currency = "AUD") {
+  return new Intl.NumberFormat("en-AU", { style: "currency", currency }).format(amount);
+}
+
+function describe(c: RuleMatchChange) {
+  if (c.field === "category") return `${formatCategory(c.from)} → ${formatCategory(c.to)}`;
+  if (c.field === "merchant") return `${c.from ?? "—"} → ${c.to}`;
+  if (c.field === "tags") return `+ tags`;
+  return c.from ? `split ${c.from} → ${c.to}` : `split → ${c.to}`;
+}
+
+export function RulePreviewModal({
+  ruleId,
+  ruleName,
+  onClose,
+}: {
+  ruleId: number;
+  ruleName: string;
+  onClose: () => void;
+}) {
+  const { data, isLoading, error } = useRuleMatches(ruleId);
+  const apply = useApplyRuleToSelection();
+  const [selected, setSelected] = useState<Set<number>>(new Set());
+  const [done, setDone] = useState<string | null>(null);
+
+  // Default to everything the rule would change — the common case is "yes, all
+  // of these", with deselection as the exception.
+  useEffect(() => {
+    if (data?.transactions) setSelected(new Set(data.transactions.map((t) => t.id)));
+  }, [data]);
+
+  const rows = data?.transactions ?? [];
+  const allSelected = rows.length > 0 && selected.size === rows.length;
+  const totalValue = useMemo(
+    () => rows.filter((r) => selected.has(r.id))
+              .reduce((a, r) => a + Number(r.amount_aud ?? r.amount), 0),
+    [rows, selected]
+  );
+
+  return (
+    <div className="fixed inset-0 bg-black/70 flex items-center justify-center z-50 p-4">
+      <div className="bg-zinc-900 border border-zinc-700 rounded-lg w-full max-w-4xl max-h-[85vh] flex flex-col">
+        <div className="px-5 py-4 border-b border-zinc-800">
+          <h2 className="text-lg font-medium">Preview: {ruleName}</h2>
+          {data && (
+            <p className="text-xs text-zinc-500 mt-1">
+              {data.total_matched} matched · <span className="text-amber-400">{data.would_change} would change</span>
+              {data.already_correct > 0 && ` · ${data.already_correct} already correct`}
+            </p>
+          )}
+          {data?.rule.matches_everything && (
+            <p className="text-xs text-red-400 mt-1">
+              This rule has no conditions — it matches every transaction.
+            </p>
+          )}
+        </div>
+
+        <div className="flex-1 overflow-auto px-5 py-3">
+          {isLoading && <p className="text-sm text-zinc-500">Checking…</p>}
+          {error && <p className="text-sm text-red-400">Failed to load matches.</p>}
+          {data && rows.length === 0 && (
+            <p className="text-sm text-zinc-500">
+              Nothing would change{data.already_correct > 0 && ` — all ${data.already_correct} matching transactions already have these values`}.
+            </p>
+          )}
+          {rows.length > 0 && (
+            <table className="w-full text-xs">
+              <thead className="sticky top-0 bg-zinc-900">
+                <tr className="border-b border-zinc-800 text-zinc-500">
+                  <th className="p-2 w-8">
+                    <input
+                      type="checkbox"
+                      checked={allSelected}
+                      onChange={(e) =>
+                        setSelected(e.target.checked ? new Set(rows.map((r) => r.id)) : new Set())
+                      }
+                    />
+                  </th>
+                  <th className="text-left p-2">Date</th>
+                  <th className="text-left p-2">Description</th>
+                  <th className="text-right p-2">Amount</th>
+                  <th className="text-left p-2">Would change</th>
+                </tr>
+              </thead>
+              <tbody>
+                {rows.map((r) => (
+                  <tr key={r.id} className="border-b border-zinc-800/40 hover:bg-zinc-800/30">
+                    <td className="p-2">
+                      <input
+                        type="checkbox"
+                        checked={selected.has(r.id)}
+                        onChange={(e) => {
+                          const next = new Set(selected);
+                          if (e.target.checked) next.add(r.id); else next.delete(r.id);
+                          setSelected(next);
+                        }}
+                      />
+                    </td>
+                    <td className="p-2 text-zinc-500 whitespace-nowrap">{String(r.transaction_date).slice(0, 10)}</td>
+                    <td className="p-2 text-zinc-300 max-w-[280px] truncate" title={r.description}>
+                      {r.effective_merchant || r.description}
+                      <span className="text-zinc-600 ml-2">{r.bank_name}</span>
+                    </td>
+                    <td className="p-2 text-right tabular-nums text-zinc-400">
+                      {fmt(Number(r.amount_aud ?? r.amount))}
+                    </td>
+                    <td className="p-2 text-amber-400">
+                      {r.changes.map((c, i) => <div key={i}>{describe(c)}</div>)}
+                    </td>
+                  </tr>
+                ))}
+              </tbody>
+            </table>
+          )}
+          {data?.truncated && (
+            <p className="text-xs text-zinc-500 mt-2">Showing the first {rows.length} — narrow the rule to see the rest.</p>
+          )}
+        </div>
+
+        <div className="px-5 py-3 border-t border-zinc-800 flex items-center justify-between">
+          <span className="text-xs text-zinc-500">
+            {done ?? `${selected.size} selected · ${fmt(totalValue)}`}
+          </span>
+          <div className="flex gap-2">
+            <button onClick={onClose} className="px-3 py-1.5 text-sm text-zinc-400 hover:text-white">
+              Close
+            </button>
+            <button
+              disabled={selected.size === 0 || apply.isPending}
+              onClick={() =>
+                apply.mutate(
+                  { ruleId, ids: Array.from(selected) },
+                  {
+                    onSuccess: () => {
+                      setDone(`Applied to ${selected.size} transaction${selected.size !== 1 ? "s" : ""}`);
+                      setSelected(new Set());
+                    },
+                  }
+                )
+              }
+              className="px-3 py-1.5 bg-emerald-700 hover:bg-emerald-600 disabled:opacity-40 rounded text-sm"
+            >
+              {apply.isPending ? "Applying…" : `Apply to ${selected.size}`}
+            </button>
+          </div>
+        </div>
+      </div>
+    </div>
+  );
+}
@@ -0,0 +1,86 @@
+"use client";
+
+import { useRuleRunDetail } from "@/lib/hooks";
+import { formatCategory } from "@/lib/categories";
+
+/**
+ * The expanded body of an Apply History row: which transactions the run touched
+ * and what it changed on each, so Revert is an informed decision rather than a
+ * guess from a count.
+ */
+
+function fmt(n: number) {
+  return new Intl.NumberFormat("en-AU", { style: "currency", currency: "AUD" }).format(n);
+}
+
+function describe(c: { field: string; from: string | null; to: string | null }) {
+  if (c.field === "category") return `${formatCategory(c.from)} → ${formatCategory(c.to)}`;
+  if (c.field === "merchant") return `${c.from ?? "—"} → ${c.to ?? "—"}`;
+  if (c.field === "tags") return `+ tag ${c.to}`;
+  return `split ${c.from ?? "none"} → ${c.to ?? "none"}`;
+}
+
+export function RuleRunDetail({ runId }: { runId: number }) {
+  const { data, isLoading, error } = useRuleRunDetail(runId);
+
+  if (isLoading) return <p className="px-4 py-3 text-xs text-zinc-500">Loading…</p>;
+  if (error) return <p className="px-4 py-3 text-xs text-red-400">Failed to load detail.</p>;
+  if (!data) return null;
+
+  const { transactions, still_changed, run } = data;
+
+  return (
+    <div className="border-t border-zinc-800 bg-zinc-950/60">
+      <div className="px-4 py-2 text-xs text-zinc-500 flex gap-4 flex-wrap">
+        <span>{transactions.length} transactions</span>
+        {run.reverted_at ? (
+          <span className="text-zinc-500">already reverted — values are back to their originals</span>
+        ) : (
+          <span className="text-amber-400">{still_changed} still showing this run&apos;s changes</span>
+        )}
+        {still_changed < transactions.length && !run.reverted_at && (
+          <span className="text-zinc-600">
+            {transactions.length - still_changed} since changed by something else — reverting restores the pre-run value
+          </span>
+        )}
+      </div>
+      <div className="max-h-72 overflow-auto">
+        <table className="w-full text-xs">
+          <thead className="sticky top-0 bg-zinc-950">
+            <tr className="text-zinc-600 border-b border-zinc-800">
+              <th className="text-left px-4 py-1.5">Date</th>
+              <th className="text-left px-3 py-1.5">Transaction</th>
+              <th className="text-right px-3 py-1.5">Amount</th>
+              <th className="text-left px-3 py-1.5">Changed</th>
+            </tr>
+          </thead>
+          <tbody>
+            {transactions.map((t) => (
+              <tr key={t.id} className="border-b border-zinc-800/40">
+                <td className="px-4 py-1.5 text-zinc-500 whitespace-nowrap">
+                  {String(t.transaction_date).slice(0, 10)}
+                </td>
+                <td className="px-3 py-1.5 text-zinc-300 max-w-[300px] truncate" title={t.description}>
+                  {t.merchant || t.description}
+                  <span className="text-zinc-600 ml-2">{t.bank_name}</span>
+                </td>
+                <td className="px-3 py-1.5 text-right tabular-nums text-zinc-400">
+                  {fmt(Number(t.amount_aud ?? t.amount))}
+                </td>
+                <td className="px-3 py-1.5">
+                  {t.changes.length === 0 ? (
+                    <span className="text-zinc-600">no change</span>
+                  ) : (
+                    t.changes.map((c, i) => (
+                      <div key={i} className="text-amber-400">{describe(c)}</div>
+                    ))
+                  )}
+                </td>
+              </tr>
+            ))}
+          </tbody>
+        </table>
+      </div>
+    </div>
+  );
+}
@@ -7,6 +7,7 @@ import { useState, useEffect } from "react";
 const NAV_ITEMS = [
  { href: "/transactions", label: "Transactions", icon: "receipt" },
  { href: "/statements", label: "Statements", icon: "file-text" },
+  { href: "/trips", label: "Trips", icon: "map-pin" },
  { href: "/shared", label: "Shared", icon: "users" },
  { href: "/budget", label: "Analytics", icon: "bar-chart" },
  { href: "/insights", label: "Insights", icon: "lightbulb" },
@@ -27,6 +28,12 @@ const ICONS: Record<string, React.ReactNode> = {
      <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M9 12h6m-6 4h6m2 5H7a2 2 0 01-2-2V5a2 2 0 012-2h5.586a1 1 0 01.707.293l5.414 5.414a1 1 0 01.293.707V19a2 2 0 01-2 2z" />
    </svg>
  ),
+  "map-pin": (
+    <svg className="w-5 h-5" fill="none" stroke="currentColor" viewBox="0 0 24 24">
+      <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M17.657 16.657L13.414 20.9a1.998 1.998 0 01-2.827 0l-4.244-4.243a8 8 0 1111.314 0z" />
+      <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M15 11a3 3 0 11-6 0 3 3 0 016 0z" />
+    </svg>
+  ),
  users: (
    <svg className="w-5 h-5" fill="none" stroke="currentColor" viewBox="0 0 24 24">
      <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M12 4.354a4 4 0 110 5.292M15 21H3v-1a6 6 0 0112 0v1zm0 0h6v-1a6 6 0 00-9-5.197M13 7a4 4 0 11-8 0 4 4 0 018 0z" />
@@ -85,7 +92,7 @@ export function Sidebar() {
  const navContent = (
    <>
      <div className="p-4 border-b border-zinc-800 flex items-center justify-between">
-        <h1 className="text-lg font-semibold text-white">Finance</h1>
+        <h1 className="text-xl text-zinc-100 font-display tracking-tight">Finance<span className="text-indigo-400">.</span></h1>
        <button
          onClick={() => setOpen(false)}
          className="md:hidden p-1 rounded text-zinc-400 hover:text-white hover:bg-zinc-800"
@@ -103,10 +110,10 @@ export function Sidebar() {
            <Link
              key={item.href}
              href={item.href}
-              className={`flex items-center gap-3 px-3 py-2 rounded-md text-sm mb-0.5 transition-colors ${
+              className={`relative flex items-center gap-3 px-3 py-2 rounded-md text-sm mb-0.5 transition-colors ${
                active
-                  ? "bg-zinc-800 text-white"
-                  : "text-zinc-400 hover:text-white hover:bg-zinc-800/50"
+                  ? "bg-zinc-800 text-zinc-50 before:absolute before:left-0 before:top-1.5 before:bottom-1.5 before:w-0.5 before:rounded-full before:bg-indigo-400"
+                  : "text-zinc-400 hover:text-zinc-100 hover:bg-zinc-800/50"
              }`}
            >
              {ICONS[item.icon]}
@@ -131,7 +138,7 @@ export function Sidebar() {
            <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M4 6h16M4 12h16M4 18h16" />
          </svg>
        </button>
-        <span className="ml-3 text-base font-semibold text-white">Finance</span>
+        <span className="ml-3 text-lg text-zinc-100 font-display tracking-tight">Finance<span className="text-indigo-400">.</span></span>
      </div>

      {/* Mobile drawer overlay */}
@@ -0,0 +1,106 @@
+// Shared SQL fragments for analytics queries, so spend/income semantics stay
+// identical across routes.
+//
+// Two rules every analytics query must follow:
+//
+// 1. Join `statements` with LEFT JOIN and scope on COALESCE(t.owner_id, s.owner_id).
+//    An INNER JOIN silently drops every manual/CSV transaction (statement_id IS
+//    NULL) — which is most of the reconciliation and cash-spend data.
+// 2. Exclude `transfers` and `investment` from spend. Once bank statements are
+//    imported, a credit-card payment appears twice: once as a debit leaving the
+//    bank account and again as the underlying purchases on the card statement.
+//    Categorising the money movement as `transfers` and excluding it here is what
+//    stops the double count. Investments are a balance-sheet move, not spend.
+
+/** Owner scoping that works for both statement-linked and manual transactions. */
+export const OWNER_SCOPE = `COALESCE(t.owner_id, s.owner_id)`;
+
+/** Join clause to pair with OWNER_SCOPE. */
+export const STATEMENTS_JOIN = `LEFT JOIN statements s ON s.id = t.statement_id`;
+
+/** Transaction types that represent money going out. */
+export const SPEND_TYPES = `('debit', 'fee', 'interest')`;
+
+/**
+ * Rows that count towards spend.
+ *
+ * The `interest_amount IS NOT NULL` arm is for loan repayments: when a lender
+ * itemises principal and interest on a single repayment row, that row is usually
+ * typed 'payment' (money reducing the loan balance) and would otherwise be
+ * skipped — but its interest portion is real spend.
+ */
+export const SPEND_ROWS = `(t.transaction_type IN ('debit', 'fee', 'interest') OR t.interest_amount IS NOT NULL)`;
+
+/**
+ * The amount of a row that counts as spend, before split adjustment.
+ *
+ * For an itemised loan repayment only the interest portion is an expense; the
+ * principal builds equity and is a balance-sheet move, not spending.
+ */
+export const SPEND_BASE = `CASE WHEN t.interest_amount IS NOT NULL THEN t.interest_amount ELSE COALESCE(t.amount_aud, t.amount) END`;
+
+/** Effective category, honouring overrides. Never NULL. */
+export const EFFECTIVE_CATEGORY = `COALESCE(o.category_override, t.category, 'other')`;
+
+/**
+ * My percentage share of a transaction, 0-100.
+ *
+ * Resolution order:
+ *   1. An explicit `transaction_splits` row for me.
+ *   2. The `my_share_percent` override.
+ *   3. Whatever is left after everyone else's shares.
+ *
+ * Step 3 is the one that matters. Assuming 100% when no split row exists for me
+ * is wrong whenever a transaction is allocated entirely to someone else — I paid,
+ * they owe all of it, and there is no row for me to find. Those rows would
+ * otherwise land in my spend at full value.
+ *
+ * Requires `transaction_splits ts` joined on `ts.participant_id = <participant>`
+ * and `transaction_overrides o` joined on the transaction.
+ */
+export const myShare = (participant = "$1") => `COALESCE(
+    ts.share_percent,
+    o.my_share_percent,
+    100 - COALESCE((
+      SELECT SUM(x.share_percent) FROM transaction_splits x
+      WHERE x.transaction_id = t.id AND x.participant_id <> ${participant}
+    ), 0)
+  )`;
+
+/** `base` scaled to my share. Use for every per-user spend total. */
+export const mySplitOf = (base: string, participant = "$1") =>
+  `((${base}) * ${myShare(participant)} / 100)`;
+
+export const NON_BUDGET_TAGS = ['family'];
+
+export const EXCLUDE_NON_BUDGET_TAGS = `NOT EXISTS (
+  SELECT 1 FROM transaction_tags tt JOIN tags tg ON tg.id = tt.tag_id
+  WHERE tt.transaction_id = t.id AND tg.name = ANY(ARRAY['family'])
+)`;
+
+/**
+ * Predicate excluding categories and tags that are not spend.
+ * The COALESCE matters: a bare `category NOT IN (...)` evaluates to NULL for
+ * uncategorised rows, which silently drops them from spend totals.
+ */
+export const EXCLUDE_NON_SPEND = `${EFFECTIVE_CATEGORY} NOT IN ('transfers', 'investment', 'income') AND ${EXCLUDE_NON_BUDGET_TAGS}`;
+
+/**
+ * Rows that count towards NET spend — outgoings plus the refunds that cancel
+ * them. Pair with SPEND_SIGNED, which carries the direction.
+ */
+export const NET_SPEND_ROWS = `(${SPEND_ROWS} OR t.transaction_type IN ('refund', 'credit'))`;
+
+/**
+ * SPEND_BASE, signed: refunds and credits come back as negatives so they cancel
+ * the original purchase.
+ *
+ * Without this a refund is counted nowhere. It is excluded from spend by type
+ * and only counted as income if categorised 'income', which a refund is not —
+ * so it falls through both and never reduces anything. A $2,888.92 Expedia
+ * purchase refunded in full eight days later still read as $2,888.92 of spend.
+ */
+export const SPEND_SIGNED = `CASE
+  WHEN t.transaction_type IN ('refund', 'credit') THEN -(${SPEND_BASE})
+  ELSE (${SPEND_BASE})
+END`;
@@ -25,6 +25,7 @@ export const CATEGORIES = [
  "transfers",
  "income",
  "investment",
+  "loan_interest",
  "personal_care",
  "pets",
  "gifts",
@@ -35,7 +36,10 @@ export const CATEGORIES = [

 export type Category = (typeof CATEGORIES)[number];

-export function formatCategory(cat: string): string {
+// Tolerates null/undefined: an uncategorised transaction must never be able to
+// crash a page that renders its category.
+export function formatCategory(cat: string | null | undefined): string {
+  if (!cat) return "Uncategorised";
  return cat
    .split("_")
    .map((w) => w.charAt(0).toUpperCase() + w.slice(1))
@@ -0,0 +1,48 @@
+export const CATEGORY_COLORS: Record<string, string> = {
+  groceries: "#22c55e",
+  dining: "#f97316",
+  transport: "#06b6d4",
+  fuel: "#eab308",
+  shopping: "#ec4899",
+  utilities: "#8b5cf6",
+  entertainment: "#f43f5e",
+  travel: "#0ea5e9",
+  health: "#10b981",
+  insurance: "#64748b",
+  subscriptions: "#a78bfa",
+  cash_advance: "#dc2626",
+  government: "#78716c",
+  education: "#3b82f6",
+  rent: "#d97706",
+  transfers: "#6b7280",
+  income: "#34d399",
+  investment: "#818cf8",
+  loan_interest: "#9f1239",
+  fees: "#f87171",
+  personal_care: "#fb7185",
+  pets: "#86efac",
+  gifts: "#fcd34d",
+  charity: "#a3e635",
+  home_goods: "#67e8f9",
+  home_maintenance: "#c084fc",
+  other: "#71717a",
+};
+
+// Ink & copper chart tokens — keep in sync with the @theme scales in globals.css.
+export const CHART = {
+  accent: "#bc6f30", // copper (indigo-500)
+  accentSoft: "#d28a47", // copper light (indigo-400)
+  positive: "#34d399",
+  negative: "#e35f4b",
+  axis: "#94896f", // muted paper (zinc-400)
+  faint: "#6e644f", // zinc-500
+  grid: "#242019", // zinc-800
+  dim: "#332d23", // zinc-700 — de-emphasised series
+};
+
+export const TOOLTIP_STYLE = {
+  background: "#171410",
+  border: "1px solid #332d23",
+  borderRadius: 8,
+  fontSize: 12,
+};
@@ -15,3 +15,8 @@ if (process.env.NODE_ENV !== "production") globalForPrisma.prisma = prisma;
 export async function queryRaw<T>(sql: string, params: unknown[] = []): Promise<T[]> {
  return prisma.$queryRawUnsafe<T[]>(sql, ...params);
 }
+
+export async function queryRow<T>(sql: string, params: unknown[] = []): Promise<T | null> {
+  const rows = await prisma.$queryRawUnsafe<T[]>(sql, ...params);
+  return rows.length > 0 ? rows[0] : null;
+}
@@ -1,7 +1,8 @@
 "use client";

 import { useQuery, useMutation, useQueryClient } from "@tanstack/react-query";
-import type { TransactionRow, StatementRow, TagRow } from "./queries";
+import type { TransactionRow, StatementRow, TagRow, TripRow, TripAnalytics } from "./queries";
+export type { TripRow, TripAnalytics };
 import type { CurrentUser } from "./auth";

 interface TransactionsResponse {
@@ -27,6 +28,7 @@ interface TransactionFilters {
  amount_min?: number;
  amount_max?: number;
  has_split?: string;
+  trip_id?: string;
 }

 function buildParams(filters: TransactionFilters): string {
@@ -102,6 +104,7 @@ export function useCreateTransaction() {
      transaction_type?: string;
      merchant_normalized?: string;
      category?: string;
+      payment_method?: string;
      splits?: { participant_id: number; share_percent: number }[];
    }) => {
      const res = await fetch("/api/transactions", {
@@ -137,6 +140,8 @@ export function useUpdateTransaction() {
      description?: string;
      amount?: number;
      transaction_date?: string;
+      trip_id?: number | null;
+      payment_method?: string | null;
    }) => {
      const res = await fetch(`/api/transactions/${id}`, {
        method: "PATCH",
@@ -163,6 +168,7 @@ export function useBulkAction() {
      merchant_normalized?: string;
      splits?: { participant_id: number; share_percent: number }[];
      tag_id?: number;
+      rule_id?: number;
    }) => {
      const res = await fetch("/api/transactions/bulk", {
        method: "POST",
@@ -185,6 +191,16 @@ export function useBulkAction() {
      if (variables.action === "tag" || variables.action === "untag") {
        qc.invalidateQueries({ queryKey: ["tags"] });
      }
+      // A quick action can touch category, tags and splits at once, and records
+      // a revertible run — refresh everything it could have changed.
+      if (variables.action === "apply_rule") {
+        qc.invalidateQueries({ queryKey: ["tags"] });
+        qc.invalidateQueries({ queryKey: ["splits"] });
+        qc.invalidateQueries({ queryKey: ["shared-transactions"] });
+        qc.invalidateQueries({ queryKey: ["participant-balances"] });
+        qc.invalidateQueries({ queryKey: ["analytics"] });
+        qc.invalidateQueries({ queryKey: ["rule-runs"] });
+      }
    },
  });
 }
@@ -456,6 +472,8 @@ export interface RuleRow {
  conditions: { field: string; operator: string; value: string }[];
  actions: { set_category?: string; add_tag_ids?: number[]; set_merchant?: string; apply_split?: { participant_id: number; share_percent: number }[] };
  enabled: boolean;
+  /** Excluded from the apply-all run; fired by hand as a quick action instead. */
+  manual_only?: boolean;
  priority: number;
  created_at: string;
 }
@@ -512,6 +530,66 @@ export function useDeleteRule() {
  });
 }

+export interface RuleMatchChange {
+  field: "category" | "merchant" | "tags" | "split";
+  from: string | null;
+  to: string;
+}
+export interface RuleMatchRow {
+  id: number;
+  transaction_date: string;
+  description: string;
+  amount: number;
+  amount_aud: number | null;
+  currency: string;
+  bank_name: string;
+  effective_merchant: string;
+  effective_category: string;
+  changes: RuleMatchChange[];
+}
+export interface RuleMatches {
+  rule: { id: number; name: string; matches_everything: boolean };
+  total_matched: number;
+  would_change: number;
+  already_correct: number;
+  transactions: RuleMatchRow[];
+  truncated: boolean;
+}
+
+/** Dry run — what a rule would change. Writes nothing. */
+export function useRuleMatches(ruleId: number | null) {
+  return useQuery<RuleMatches>({
+    queryKey: ["rule-matches", ruleId],
+    enabled: ruleId != null,
+    queryFn: async () => {
+      const res = await fetch(`/api/rules/${ruleId}/matches`);
+      if (!res.ok) throw new Error("Failed to load rule matches");
+      return res.json();
+    },
+  });
+}
+
+/** Apply a rule to a hand-picked set of transactions (conditions ignored). */
+export function useApplyRuleToSelection() {
+  const qc = useQueryClient();
+  return useMutation({
+    mutationFn: async ({ ruleId, ids }: { ruleId: number; ids: number[] }) => {
+      const res = await fetch("/api/transactions/bulk", {
+        method: "POST",
+        headers: { "Content-Type": "application/json" },
+        body: JSON.stringify({ action: "apply_rule", rule_id: ruleId, ids }),
+      });
+      if (!res.ok) throw new Error((await res.json()).error || "Failed to apply rule");
+      return res.json();
+    },
+    onSuccess: () => {
+      qc.invalidateQueries({ queryKey: ["transactions"] });
+      qc.invalidateQueries({ queryKey: ["rule-matches"] });
+      qc.invalidateQueries({ queryKey: ["rules"] });
+    },
+  });
+}
+
 export function useApplyRules() {
  const qc = useQueryClient();
  return useMutation({
@@ -539,6 +617,38 @@ export interface RuleRun {
  matched: number;
  transactions_affected: number;
  reverted_at: string | null;
+  // Provenance (migration 0017). NULL on runs recorded before it existed.
+  rule_id: number | null;
+  rule_name: string | null;
+  source: "all" | "rule" | "selection" | null;
+}
+
+export interface RuleRunDetail {
+  run: RuleRun & { transactions_affected: number };
+  transactions: {
+    id: number;
+    transaction_date: string;
+    description: string;
+    amount: number;
+    amount_aud: number | null;
+    bank_name: string;
+    merchant: string | null;
+    changes: { field: string; from: string | null; to: string | null }[];
+  }[];
+  still_changed: number;
+}
+
+/** What a run actually did — loaded on demand when a row is expanded. */
+export function useRuleRunDetail(runId: number | null) {
+  return useQuery<RuleRunDetail>({
+    queryKey: ["rule-run-detail", runId],
+    enabled: runId != null,
+    queryFn: async () => {
+      const res = await fetch(`/api/rules/runs/${runId}`);
+      if (!res.ok) throw new Error("Failed to load run detail");
+      return res.json();
+    },
+  });
 }

 export function useRuleRuns() {
@@ -801,3 +911,94 @@ export function useMerchantTransactions(merchant: string | null) {
    enabled: !!merchant,
  });
 }
+
+// ─── Trips ───────────────────────────────────────────────────────────────────
+
+export function useTrips() {
+  return useQuery<TripRow[]>({
+    queryKey: ["trips"],
+    queryFn: async () => (await fetch("/api/trips")).json(),
+  });
+}
+
+export function useTrip(id: number) {
+  return useQuery<TripRow>({
+    queryKey: ["trip", id],
+    queryFn: async () => (await fetch(`/api/trips/${id}`)).json(),
+    enabled: id > 0,
+  });
+}
+
+export function useTripAnalytics(id: number) {
+  return useQuery<TripAnalytics>({
+    queryKey: ["trip-analytics", id],
+    queryFn: async () => (await fetch(`/api/trips/${id}/analytics`)).json(),
+    enabled: id > 0,
+  });
+}
+
+export function useCreateTrip() {
+  const qc = useQueryClient();
+  return useMutation({
+    mutationFn: async (data: Omit<TripRow, "id" | "owner_id" | "created_at" | "total_spend" | "transaction_count">) => {
+      const res = await fetch("/api/trips", {
+        method: "POST",
+        headers: { "Content-Type": "application/json" },
+        body: JSON.stringify(data),
+      });
+      if (!res.ok) throw new Error((await res.json()).error || "Failed");
+      return res.json() as Promise<TripRow>;
+    },
+    onSuccess: () => qc.invalidateQueries({ queryKey: ["trips"] }),
+  });
+}
+
+export function useUpdateTrip() {
+  const qc = useQueryClient();
+  return useMutation({
+    mutationFn: async ({ id, ...data }: Partial<TripRow> & { id: number }) => {
+      const res = await fetch(`/api/trips/${id}`, {
+        method: "PATCH",
+        headers: { "Content-Type": "application/json" },
+        body: JSON.stringify(data),
+      });
+      if (!res.ok) throw new Error((await res.json()).error || "Failed");
+      return res.json() as Promise<TripRow>;
+    },
+    onSuccess: (_d, { id }) => {
+      qc.invalidateQueries({ queryKey: ["trips"] });
+      qc.invalidateQueries({ queryKey: ["trip", id] });
+      qc.invalidateQueries({ queryKey: ["trip-analytics", id] });
+    },
+  });
+}
+
+export function useDeleteTrip() {
+  const qc = useQueryClient();
+  return useMutation({
+    mutationFn: async (id: number) => {
+      await fetch(`/api/trips/${id}`, { method: "DELETE" });
+    },
+    onSuccess: () => qc.invalidateQueries({ queryKey: ["trips"] }),
+  });
+}
+
+export function useAssignTransactionsToTrip() {
+  const qc = useQueryClient();
+  return useMutation({
+    mutationFn: async ({ tripId, transactionIds }: { tripId: number | null; transactionIds: number[] }) => {
+      const res = await fetch("/api/transactions/bulk", {
+        method: "POST",
+        headers: { "Content-Type": "application/json" },
+        body: JSON.stringify({ action: "assign_trip", ids: transactionIds, trip_id: tripId }),
+      });
+      if (!res.ok) throw new Error("Failed to assign trip");
+      return res.json();
+    },
+    onSuccess: () => {
+      qc.invalidateQueries({ queryKey: ["transactions"] });
+      qc.invalidateQueries({ queryKey: ["trips"] });
+      qc.invalidateQueries({ queryKey: ["trip-analytics"] });
+    },
+  });
+}
@@ -0,0 +1,389 @@
+import { queryRaw, queryRow } from "./db";
+import type { ParsedOrder } from "./order-parse";
+
+export * from "./order-parse";
+
+export const CUTOVER_DATE = "2026-01-09";
+
+export interface IngestResult {
+  transactionId: number | null;
+  metadataId: number | null;
+  flags: string[];
+  skipped?: string;
+}
+
+/**
+ * Resolves how much of a card-settled order actually hit the card.
+ *
+ * DoorDash writes "MasterCard Ending in 8032 and/or credits" without ever
+ * stating the split. The split is not in the mail — but it IS in the ledger:
+ * the card leg arrives on the statement for that card. Reconciling against it
+ * beats guessing (user, 2026-07-26).
+ *
+ *   Subway  receipt $29.08, statement 8032 charge $13.06 -> $16.02 was credits
+ *   lahori  receipt $50.85, statement 8032 charge $50.85 -> fully card
+ *
+ * Returns the card amount if a statement line can be matched, else null. A null
+ * means "unknown", and the caller must not invent a credits figure from it.
+ */
+export async function reconcileCardLeg(
+  order: ParsedOrder,
+  windowDays = 4
+): Promise<{ cardAmount: number | null; matchedTransactionId: number | null }> {
+  const last4 = order.payment.card_last4;
+  if (!last4) return { cardAmount: null, matchedTransactionId: null };
+
+  const day = order.order_datetime.slice(0, 10);
+  const row = await queryRow<{ id: number; amount: string }>(
+    `SELECT t.id, t.amount::text
+       FROM transactions t
+       JOIN statements s ON s.id = t.statement_id
+      WHERE replace(s.account_number, '-', '') LIKE $1
+        AND t.transaction_date BETWEEN $2::date - $4::int AND $2::date + $4::int
+        AND (t.description ILIKE '%doordash%' OR t.description ILIKE '%uber%')
+        AND t.amount <= $3::numeric + 0.02
+        -- A statement line settles exactly one order. Without this, two orders
+        -- on the same card inside the window both match the same charge and
+        -- each books its own credits remainder — double-counting spend. At
+        -- 10-15 orders a month on one card that is not a corner case.
+        AND NOT EXISTS (
+          SELECT 1 FROM expense_metadata em
+           WHERE em.matched_transaction_id = t.id
+             AND ($5::text IS NULL OR em.order_reference IS DISTINCT FROM $5::text)
+        )
+      ORDER BY abs(t.amount - $3::numeric), abs(t.transaction_date - $2::date)
+      LIMIT 1`,
+    [`%${last4}`, day, order.totals.total_charged, windowDays, order.order_reference || null]
+  );
+
+  if (!row) return { cardAmount: null, matchedTransactionId: null };
+  return { cardAmount: Number(row.amount), matchedTransactionId: row.id };
+}
+
+async function ensureTag(name: string): Promise<number> {
+  const existing = await queryRow<{ id: number }>(`SELECT id FROM tags WHERE name = $1`, [name]);
+  if (existing) return existing.id;
+  const created = await queryRow<{ id: number }>(
+    `INSERT INTO tags (name, color) VALUES ($1, '#ef4444')
+     ON CONFLICT (name) DO UPDATE SET name = EXCLUDED.name RETURNING id`,
+    [name]
+  );
+  return created!.id;
+}
+
+/**
+ * Records one parsed order.
+ *
+ * Invariants enforced here:
+ *  I1  no credits-funded order before the cutover — before it, splits lived in
+ *      another system and re-importing double-counts.
+ *  I5  a card-settled order creates NO transaction. The statement line is the
+ *      transaction; creating another would double-count.
+ *  I6  a credits-funded order creates a transaction for the credits portion at
+ *      face value.
+ *  I7  idempotent on (source, order_reference).
+ *  I11 [Family] orders are imported and tagged, never silently dropped.
+ */
+export async function processOrderIngestion(
+  order: ParsedOrder,
+  options: { messageId?: string; backfillMode?: boolean } = {}
+): Promise<IngestResult> {
+  const flags = [...order.flags];
+  const day = order.order_datetime.slice(0, 10);
+
+  // ---- I7: idempotency ----------------------------------------------------
+  const existing = await queryRow<{ id: number; transaction_id: number | null }>(
+    `SELECT id, transaction_id FROM expense_metadata
+      WHERE source = 'email' AND order_reference = $1`,
+    [order.order_reference]
+  );
+  if (existing) {
+    return {
+      transactionId: existing.transaction_id,
+      metadataId: existing.id,
+      flags,
+      skipped: "already_ingested",
+    };
+  }
+
+  // ---- resolve the credits portion ----------------------------------------
+  let creditsAmount: number | null = null;
+  let cardAmount: number | null = order.payment.card_amount;
+
+  if (order.payment.ambiguous) {
+    const { cardAmount: reconciled } = await reconcileCardLeg(order);
+    if (reconciled === null) {
+      // No statement line yet. For a live order this is the NORMAL case, not an
+      // error — card statements arrive monthly, so an order ingested today has
+      // no card leg in the ledger for weeks (user, 2026-07-26).
+      //
+      // Deciding now would mean guessing. Instead the order is recorded as
+      // provenance with no transaction, and left pending: reconcilePendingOrders()
+      // resolves it once the statement lands. Backfill hits the same path and
+      // resolves immediately, because those statements are already imported.
+      flags.push("awaiting_card_statement");
+      cardAmount = null;
+    } else {
+      cardAmount = reconciled;
+      const remainder = Number((order.totals.total_charged - reconciled).toFixed(2));
+      if (remainder > 0.02) {
+        creditsAmount = remainder;
+        flags.push(`split_reconciled_card_${reconciled.toFixed(2)}`);
+      }
+    }
+  } else {
+    creditsAmount = order.payment.credits_amount;
+  }
+
+  // ---- I1: cutover --------------------------------------------------------
+  if (creditsAmount !== null && day < CUTOVER_DATE) {
+    return { transactionId: null, metadataId: null, flags, skipped: "pre_cutover" };
+  }
+
+  // ---- I6 / I5 ------------------------------------------------------------
+  let transactionId: number | null = null;
+  if (creditsAmount !== null && creditsAmount > 0) {
+    const isAud = order.currency === "AUD";
+    if (!isAud) flags.push(`foreign_currency_${order.currency}`);
+
+    const txn = await queryRow<{ id: number }>(
+      `INSERT INTO transactions (
+         transaction_date, description, amount, amount_aud, category, payment_method,
+         merchant_name, merchant_normalized, transaction_type,
+         foreign_currency_amount, foreign_currency_code, owner_id
+       ) VALUES ($1,$2,$3,$4,$5,'credits',$6,$6,'debit',$7,$8,NULL)
+       RETURNING id`,
+      [
+        day,
+        `Order - ${order.merchant_name}`,
+        creditsAmount,
+        // No FX rate is available at ingest, so amount_aud is left NULL for
+        // foreign orders rather than asserting a conversion we cannot make.
+        isAud ? creditsAmount : null,
+        resolveCategory(order),
+        order.merchant_name,
+        isAud ? null : creditsAmount,
+        isAud ? null : order.currency,
+      ]
+    );
+    transactionId = txn!.id;
+
+    // I11: tag, don't drop. The tag is what removes it from budgets.
+    if (order.is_family) {
+      const tagId = await ensureTag("family");
+      await queryRaw(
+        `INSERT INTO transaction_tags (transaction_id, tag_id) VALUES ($1,$2)
+         ON CONFLICT DO NOTHING`,
+        [transactionId, tagId]
+      );
+    }
+  }
+
+  // ---- provenance ---------------------------------------------------------
+  const pending = flags.includes("awaiting_card_statement");
+  const meta = await queryRow<{ id: number }>(
+    `INSERT INTO expense_metadata (
+       transaction_id, source, source_message_id, order_reference, line_items,
+       subtotal, amount, merchant_normalized, transaction_date,
+       card_last4, currency, flags, reconciled_at
+     ) VALUES ($1,'email',$2,$3,$4::jsonb,$5,$6,$7,$8,$9,$10,$11::jsonb,$12)
+     RETURNING id`,
+    [
+      transactionId,
+      options.messageId || null,
+      order.order_reference,
+      JSON.stringify(order.line_items),
+      order.totals.subtotal,
+      order.totals.total_charged,
+      order.merchant_name,
+      day,
+      order.payment.card_last4,
+      order.currency,
+      JSON.stringify(flags),
+      pending ? null : new Date().toISOString(),
+    ]
+  );
+
+  return { transactionId, metadataId: meta!.id, flags };
+}
+
+/**
+ * Second pass over orders parked awaiting a card statement.
+ *
+ * Run after each statement import. For every pending order it retries the
+ * reconciliation; once the card leg appears, any remainder above it was paid in
+ * credits and becomes a transaction at that point. Orders whose card leg covers
+ * the whole total resolve to "fully card" and correctly create nothing.
+ *
+ * Idempotent: a resolved row gets reconciled_at set and is never revisited.
+ */
+export async function reconcilePendingOrders(): Promise<{
+  examined: number;
+  resolved: number;
+  created: number;
+}> {
+  const pendingRows = await queryRaw<{
+    id: number;
+    order_reference: string;
+    amount: string;
+    transaction_date: string;
+    merchant_normalized: string;
+    card_last4: string | null;
+    currency: string | null;
+  }>(
+    `SELECT id, order_reference, amount::text, transaction_date::text,
+            merchant_normalized, card_last4, currency
+       FROM expense_metadata
+      WHERE transaction_id IS NULL
+        AND reconciled_at IS NULL
+        AND card_last4 IS NOT NULL`
+  );
+
+  let resolved = 0;
+  let created = 0;
+
+  for (const row of pendingRows) {
+    const total = Number(row.amount);
+    const probe: ParsedOrder = {
+      order_reference: row.order_reference,
+      platform: "doordash",
+      merchant_name: row.merchant_normalized,
+      order_datetime: `${row.transaction_date}T00:00:00Z`,
+      currency: row.currency || "AUD",
+      payment: { credits_amount: null, card_amount: null, card_last4: row.card_last4, ambiguous: true },
+      totals: {
+        subtotal: null, taxes: null, delivery_fee: null,
+        service_fee: null, tip: null, discounts: null, total_charged: total,
+      },
+      line_items: [],
+      is_family: false,
+      flags: [],
+    };
+
+    const { cardAmount, matchedTransactionId } = await reconcileCardLeg(probe);
+    if (cardAmount === null) continue; // statement still hasn't arrived
+
+    const remainder = Number((total - cardAmount).toFixed(2));
+    let txnId: number | null = null;
+
+    if (remainder > 0.02 && row.transaction_date >= CUTOVER_DATE) {
+      // Category from the merchant, never hardcoded. Hardcoding 'dining' here
+      // silently misfiled every grocery order that arrived with an unstated
+      // split — reintroducing, through the deferred path, exactly the
+      // misfiling resolveCategory() exists to prevent.
+      const category = resolveCategory({
+        merchant_name: row.merchant_normalized,
+        platform: "doordash",
+      } as ParsedOrder);
+
+      const txn = await queryRow<{ id: number }>(
+        `INSERT INTO transactions (
+           transaction_date, description, amount, amount_aud, category,
+           payment_method, merchant_name, merchant_normalized, transaction_type, owner_id
+         ) VALUES ($1,$2,$3,$3,$5,'credits',$4,$4,'debit',NULL)
+         RETURNING id`,
+        [row.transaction_date, `Order - ${row.merchant_normalized}`, remainder, row.merchant_normalized, category]
+      );
+      txnId = txn!.id;
+      created++;
+    }
+
+    await queryRaw(
+      `UPDATE expense_metadata
+          SET transaction_id = COALESCE($2, transaction_id),
+              matched_transaction_id = $4,
+              reconciled_at = NOW(),
+              flags = flags || $3::jsonb
+        WHERE id = $1`,
+      [row.id, txnId, JSON.stringify([`card_leg_${cardAmount.toFixed(2)}`]), matchedTransactionId]
+    );
+    resolved++;
+  }
+
+  return { examined: pendingRows.length, resolved, created };
+}
+
+/**
+ * Category from the merchant.
+ *
+ * The spec's Correction 1 said never default to `dining`, because ~19% of the
+ * corpus is groceries and a blanket dining default misfiles a fifth of orders.
+ * That reasoning is right about groceries and wrong about the remedy: the
+ * earlier implementation sent everything unrecognised to `other`, and since it
+ * knew six merchants, that meant Carl's Jr, Taco Bell, Chilli India, Oporto,
+ * Hungry Jacks, Schnitz, Subway, Souvlaki GR and the rest all landed in
+ * `other` — worse than the problem it avoided.
+ *
+ * Deliberate reversal: grocery merchants are a closed, enumerable set;
+ * restaurants are an open one. So match groceries explicitly and let the
+ * residual be `dining`, which is what a delivery order otherwise is. A
+ * misfiled grocer is one rule away from fixed; a corpus in `other` is not.
+ */
+export function resolveCategory(order: ParsedOrder): string {
+  if (order.platform === "uber") return "transport";
+  const m = order.merchant_name.toLowerCase();
+  if (/woolworths|aldi|coles|glomark|keells|cargills|iga|costco/.test(m)) return "groceries";
+  return "dining";
+}
+
+/**
+ * Applies a refund / total-adjustment notice to an already-ingested order.
+ *
+ * The order it amends is matched by the UUID Uber reuses across the original
+ * receipt and the amendment. The recorded transaction is reduced to the new
+ * total rather than a compensating negative row being added: the order is one
+ * event and its cost changed, and a second row would misreport both the meal
+ * count and the merchant's spend.
+ *
+ * If the original has not been ingested (amendment arrived first, or the
+ * receipt predates the cutover), nothing is invented — the amendment is
+ * recorded as unmatched for a later pass.
+ */
+export async function applyOrderAmendment(a: {
+  order_reference: string | null;
+  new_total: number;
+  refund_amount: number | null;
+  previous_total: number | null;
+  order_datetime: string;
+  messageId: string;
+}): Promise<{ matched: boolean; transactionId: number | null; adjusted: number | null }> {
+  if (!a.order_reference) return { matched: false, transactionId: null, adjusted: null };
+
+  const meta = await queryRow<{ id: number; transaction_id: number | null; amount: string }>(
+    `SELECT id, transaction_id, amount::text FROM expense_metadata
+      WHERE source = 'email' AND order_reference = $1`,
+    [a.order_reference]
+  );
+  if (!meta) return { matched: false, transactionId: null, adjusted: null };
+
+  await queryRaw(
+    `UPDATE expense_metadata
+        SET amount = $2,
+            flags = flags || $3::jsonb
+      WHERE id = $1`,
+    [
+      meta.id,
+      a.new_total,
+      JSON.stringify([
+        `amended_from_${Number(meta.amount).toFixed(2)}`,
+        a.refund_amount !== null ? `refund_${a.refund_amount.toFixed(2)}` : "amended",
+      ]),
+    ]
+  );
+
+  if (meta.transaction_id === null) {
+    // Card-settled or still pending: no transaction of ours to reduce. The
+    // refund will show on the statement in its own right.
+    return { matched: true, transactionId: null, adjusted: null };
+  }
+
+  await queryRaw(
+    `UPDATE transactions
+        SET amount = $2,
+            amount_aud = CASE WHEN foreign_currency_code IS NULL THEN $2 ELSE amount_aud END
+      WHERE id = $1`,
+    [meta.transaction_id, a.new_total]
+  );
+
+  return { matched: true, transactionId: meta.transaction_id, adjusted: a.new_total };
+}
@@ -0,0 +1,545 @@
+/**
+ * Order receipt parsing, written against REAL captured emails.
+ *
+ * History: the first version of this parser was written against synthetic
+ * fixtures that were shaped to match the code rather than the mail. It invented
+ * a <table><tr><td>Label</td><td>$X</td></tr> layout that DoorDash does not
+ * send, derived order_reference from Math.random(), and read the order date
+ * from a `Date: YYYY-MM-DD` string that appears in no real message. All of it
+ * passed its tests. This version is built from 36 real DoorDash and 29 real
+ * Uber Eats receipts; see docs in memory-bank/order-ingestion-implementation.md.
+ *
+ * Governing rule: parse or throw. Never fabricate a value that the mail did not
+ * state (I9). A caller that gets a ParsedOrder back can trust every field in it.
+ */
+
+export interface LineItem {
+  qty: number;
+  description: string;
+  amount: number;
+  options?: string[];
+}
+
+export interface PaymentBreakdown {
+  credits_amount: number | null;
+  card_amount: number | null;
+  card_last4: string | null;
+  /** true when the mail states a payment method it does not fully disaggregate. */
+  ambiguous: boolean;
+}
+
+export interface OrderTotals {
+  subtotal: number | null;
+  taxes: number | null;
+  delivery_fee: number | null;
+  service_fee: number | null;
+  tip: number | null;
+  discounts: number | null;
+  total_charged: number;
+}
+
+export interface ParsedOrder {
+  order_reference: string;
+  platform: "doordash" | "ubereats" | "uber";
+  merchant_name: string;
+  order_datetime: string;
+  currency: string;
+  payment: PaymentBreakdown;
+  totals: OrderTotals;
+  line_items: LineItem[];
+  is_family: boolean;
+  flags: string[];
+}
+
+/** Everything the parser needs that lives on the message, not in the body. */
+export interface MessageMeta {
+  /** Provider message id. The only stable per-mail identity DoorDash offers. */
+  messageId: string;
+  subject: string;
+  /** ISO 8601. The authoritative order date — the body carries no reliable one. */
+  receivedAt: string;
+  sender?: string;
+}
+
+/**
+ * The message is not a receipt at all — a promotion, a delivery update, an
+ * adjustment or refund notice. Expected traffic. Skipping it is correct and
+ * must not raise an alert, or the channel becomes noise and gets ignored.
+ */
+export class NotAReceiptError extends Error {
+  constructor(message: string, readonly messageId?: string) {
+    super(message);
+    this.name = "NotAReceiptError";
+  }
+}
+
+/**
+ * The message IS a receipt and could not be parsed. This is the failure that
+ * matters: a provider template change breaks every order at once, silently, and
+ * the only symptom is spend quietly ceasing to appear. It must alert loudly.
+ */
+export class OrderParseError extends Error {
+  constructor(message: string, readonly messageId?: string) {
+    super(message);
+    this.name = "OrderParseError";
+  }
+}
+
+const stripTags = (s: string) => s.replace(/<[^>]+>/g, " ");
+
+const decodeEntities = (s: string) =>
+  s
+    .replace(/&nbsp;/gi, " ")
+    .replace(/&amp;/gi, "&")
+    .replace(/&#39;|&apos;/gi, "'")
+    .replace(/&quot;/gi, '"')
+    .replace(/&#36;/g, "$")
+    .replace(/&hellip;/gi, "…");
+
+const collapse = (s: string) => s.replace(/\s+/g, " ").trim();
+
+/** URL-decodes without throwing on malformed percent-escapes. */
+function safeDecode(s: string): string {
+  try {
+    return decodeURIComponent(s.replace(/%(?![0-9a-f]{2})/gi, "%25"));
+  } catch {
+    return s;
+  }
+}
+
+const money = (raw: string): number => Math.abs(parseFloat(raw.replace(/[$,]/g, "")));
+
+/**
+ * DoorDash renders each total as its own nested table:
+ *   <td align="left" ...>Subtotal</td> <!----> <td align="right" ...>$22.10</td>
+ * Reading the pair structurally is what stops the label/value rebinding that
+ * flattening causes (I9) — flattened, "Discounts -$24.09 Total Charged $14.64"
+ * invites a regex to bind the wrong number to the wrong label.
+ */
+function tdPairValue(html: string, label: string): number | null {
+  const re = new RegExp(
+    `<td[^>]*>\\s*${label}\\s*</td>\\s*<td[^>]*>\\s*(-?\\s*\\$?[\\d,]+\\.\\d{2})\\s*</td>`,
+    "i"
+  );
+  const m = html.match(re);
+  return m ? money(m[1]) : null;
+}
+
+function parseDoorDashLineItems(html: string): LineItem[] {
+  // <td width="10%">1x</td><td width="75%"><b>Name</b> (Cat)<br><font>• Opt</font>…</td><td width="15%">$22.10</td>
+  const re =
+    /<td[^>]*width="10%"[^>]*>\s*(\d+)x\s*<\/td>\s*<td[^>]*width="75%"[^>]*>([\s\S]*?)<\/td>\s*<td[^>]*width="15%"[^>]*>\s*\$?([\d,]+\.\d{2})\s*<\/td>/gi;
+  const items: LineItem[] = [];
+  for (const m of html.matchAll(re)) {
+    const parts = decodeEntities(stripTags(m[2]))
+      .split("•")
+      .map((p) => collapse(p))
+      .filter(Boolean);
+    if (!parts.length) continue;
+    items.push({
+      qty: parseInt(m[1], 10),
+      description: parts[0],
+      amount: money(m[3]),
+      options: parts.slice(1),
+    });
+  }
+  return items;
+}
+
+/** Reads "<Label> [CUR] 1,234.56" out of already-flattened Uber receipt text. */
+function extractLabelled(text: string, label: string): number | null {
+  const m = text.match(
+    new RegExp(`${label}\\s*(?:[A-Z]{3})?\\s*\\$?\\s*([\\d,]+\\.\\d{2})`, "i")
+  );
+  return m ? money(m[1]) : null;
+}
+
+function detectPlatform(meta: MessageMeta, html: string): ParsedOrder["platform"] {
+  const s = meta.subject || "";
+  const from = (meta.sender || "").toLowerCase();
+  if (/doordash/i.test(from) || /^\s*(\[Family\]\s*)?Order Confirmation for/i.test(s)) {
+    return "doordash";
+  }
+  if (/order with Uber Eats/i.test(s)) return "ubereats";
+  if (/trip with Uber|Uber receipt|Trip fare/i.test(s) || /Trip fare/i.test(html)) return "uber";
+  throw new NotAReceiptError(`cannot determine platform from subject: ${s}`, meta.messageId);
+}
+
+function parseMerchant(platform: string, meta: MessageMeta, text: string): string {
+  if (platform === "doordash") {
+    // Subject: "Order Confirmation for Siddharth from Mad Mex"
+    const m = meta.subject.match(/Order Confirmation for \S+\s+from\s+([\s\S]+?)\s*$/i);
+    if (m) return collapse(m[1]);
+  }
+  if (platform === "ubereats") {
+    // Body: "Here's your receipt for TEG Kebabs & Biryani."
+    const m = text.match(/receipt for\s+([\s\S]+?)\s*\.\s/i);
+    if (m) return collapse(m[1]);
+  }
+  if (platform === "uber") return "Uber Trip";
+  throw new OrderParseError(`cannot determine merchant`, meta.messageId);
+}
+
+function parsePayment(platform: string, html: string, text: string): PaymentBreakdown {
+  // eslint-disable-next-line no-param-reassign
+  const out: PaymentBreakdown = {
+    credits_amount: null,
+    card_amount: null,
+    card_last4: null,
+    ambiguous: false,
+  };
+
+  if (platform === "doordash") {
+    // Match the instrument directly. An earlier version captured a trailing
+    // window delimited by a double space, which does not survive whitespace
+    // collapsing — so every card/mixed receipt fell through to the credits
+    // branch and booked the full total as credits.
+    if (/Paid with[\s\S]{0,60}?and\/or\s*credits/i.test(text)) {
+      out.ambiguous = true;
+      const l4 = text.match(/Paid with[\s\S]{0,60}?Ending in\s*(\d{3,4})/i);
+      out.card_last4 = l4 ? l4[1] : null;
+      return out;
+    }
+    const card = text.match(/Paid with[\s\S]{0,40}?Ending in\s*(\d{3,4})/i);
+    if (card) {
+      out.card_last4 = card[1];
+      return out; // card-only; amount filled from total
+    }
+    if (/Paid with\s+credits/i.test(text)) return out; // credits-only
+    return out;
+  }
+
+  // Uber Eats / Uber: "Payments Uber Cash $25.33", or a card line, or — on
+  // [Family] orders placed on a shared account — just the payer's name:
+  // "Payments Siddharth LKR 3,783.20". That last form names no instrument at
+  // all, so the split cannot be read from the mail and must not be invented.
+  // A declined attempt is still printed, immediately followed by "Failed":
+  //   Visa ••••8841 LKR 4,267.01 7/5/26 7:20 pm Failed
+  //   Siddharth     LKR 3,757.01 7/5/26 9:02 pm
+  // (grocery order re-charged lower after sold-out items). Taking the first
+  // match would record money that never left the account, so drop the failed
+  // attempts before reading any instrument.
+  text = text.replace(
+    /(?:Visa|MasterCard|Amex|American Express|Uber Cash)[^.]{0,40}?[\d,]+\.\d{2}\s+\S+\s+\S+\s*(?:am|pm)?\s*Failed/gi,
+    " "
+  );
+
+  const cash = text.match(/Uber Cash\s*(?:[A-Z]{3})?\s*\$?([\d,]+\.\d{2})/i);
+  if (cash) out.credits_amount = money(cash[1]);
+  const card = text.match(
+    /(?:Visa|MasterCard|American Express|Amex)[^\d]*(\d{4})[^\d]*(?:[A-Z]{3})?\s*\$?([\d,]+\.\d{2})/i
+  );
+  if (card) {
+    out.card_last4 = card[1];
+    out.card_amount = money(card[2]);
+  }
+  if (!cash && !card && /Payments\s+\S+\s+(?:[A-Z]{3}\s|\$)/.test(text)) {
+    out.ambiguous = true;
+  }
+  return out;
+}
+
+export function parseOrderHTML(html: string, meta: MessageMeta): ParsedOrder {
+  if (!html || html.length < 200) {
+    throw new NotAReceiptError("body too short to be a receipt", meta.messageId);
+  }
+  const clean = html.replace(/<!--[\s\S]*?-->/g, "");
+  const text = collapse(decodeEntities(stripTags(clean)));
+  const flags: string[] = [];
+  let explicitCurrency: string | null = null;
+
+  // Grocery orders (ALDI, Woolworths) generate a follow-up "There are
+  // adjustments to your order" mail for out-of-stock and substituted items. It
+  // reuses the receipt layout but states `Total: $0.00` — the real amount is
+  // settled later. Ingesting it would book a $0.00 order and, worse, its
+  // order_reference would collide with nothing and create a phantom row.
+  // Refund / total-adjustment mails ("We adjusted the total for your recent
+  // order", "Previous total ... Refund ... New Total"). These restate an order
+  // already ingested and must be applied as an amendment, not inserted as a new
+  // order. Amendment handling is not in this pass — reject loudly so none is
+  // silently double-counted.
+  if (/We adjusted the total|Your refund has been applied|Previous total/i.test(text)) {
+    throw new NotAReceiptError(
+      "refund/total-adjustment notice — amends an existing order, not a new receipt",
+      meta.messageId
+    );
+  }
+
+  if (/There are adjustments to your order/i.test(text)) {
+    throw new NotAReceiptError(
+      "order-adjustment notice, not a receipt — no final total stated",
+      meta.messageId
+    );
+  }
+
+  const platform = detectPlatform(meta, text);
+  const merchant_name = parseMerchant(platform, meta, text);
+
+  // ---- order_reference -----------------------------------------------------
+  // Uber embeds a real order UUID in the body. DoorDash embeds no order id at
+  // all, so the provider message id is the only stable identity available —
+  // which is correct for ingestion idempotency (one receipt = one order).
+  //
+  // Anchor on Uber's own `tripReference` cell — a hidden
+  // <td class="tripReference">xid<UUID></td> present in all 29 captured
+  // receipts. For ue-00 it equals the UUID the PDF redirect resolves to
+  // (ubereats.com/orders/34d6b4ee-...), so it is the order's real identity.
+  //
+  // The alternative, "first UUID in the document", is positional rather than
+  // semantic: 4 of 29 receipts carry several UUIDs, and if a template reshuffle
+  // ever put a per-send tracking id first, the symptom would be a reference
+  // that changes every fetch and silently duplicates every order on every
+  // backfill. Fall back to it only when the anchor is absent, and flag when
+  // that fallback is genuinely ambiguous.
+  let order_reference: string;
+  const UUID_RE = /[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12}/i;
+  const anchored = clean.match(
+    /tripReference[^>]*>\s*xid([0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12})/i
+  );
+  const firstUuid = clean.match(UUID_RE);
+  if (platform !== "doordash" && (anchored || firstUuid)) {
+    order_reference = (anchored ? anchored[1] : firstUuid![0]).toLowerCase();
+    if (!anchored) {
+      const distinct = new Set(
+        (clean.match(new RegExp(UUID_RE.source, "gi")) || []).map((u) => u.toLowerCase())
+      );
+      // Only ambiguous when there is more than one candidate to choose between.
+      if (distinct.size > 1) flags.push("order_uuid_ambiguous");
+    }
+  } else {
+    // DoorDash carries no order id anywhere in the receipt, so the provider
+    // message id is the only stable identity available. That is correct for
+    // ingestion idempotency: one receipt is one order.
+    if (!meta.messageId) {
+      throw new OrderParseError("no order id in body and no messageId supplied");
+    }
+    order_reference = `msg:${meta.messageId}`;
+  }
+
+  // ---- date ----------------------------------------------------------------
+  // From the message, never the body. DoorDash confirmations are sent at order
+  // time; the body's own date strings are inconsistent and locale-formatted.
+  const received = new Date(meta.receivedAt);
+  if (isNaN(received.getTime())) {
+    throw new OrderParseError(`unparseable receivedAt: ${meta.receivedAt}`, meta.messageId);
+  }
+  const order_datetime = received.toISOString();
+
+  // ---- [Family] ------------------------------------------------------------
+  // A subject prefix on Uber Eats: "[Family] Your Sunday evening order with…".
+  // Deliberately anchored — a bare substring search for "family" matches
+  // footer copy and merchant names, and a false positive here silently drops
+  // the order out of every budget.
+  const is_family = /^\s*\[Family\]/i.test(meta.subject || "");
+
+  // ---- totals --------------------------------------------------------------
+  let totals: OrderTotals;
+  if (platform === "doordash") {
+    // Grocery "Final receipt" mails price each item and carry no Total Charged
+    // row; the only stated total is the header. Fall back to it explicitly
+    // rather than letting a partial total through.
+    const headerTotal = text.match(/Total:\s*\$?([\d,]+\.\d{2})/i);
+    const total =
+      tdPairValue(clean, "Total Charged") ??
+      tdPairValue(clean, "Total") ??
+      (headerTotal ? money(headerTotal[1]) : null);
+    if (total === null) {
+      throw new OrderParseError("no total stated anywhere in receipt", meta.messageId);
+    }
+    totals = {
+      subtotal: tdPairValue(clean, "Subtotal"),
+      taxes: tdPairValue(clean, "Taxes"),
+      delivery_fee: tdPairValue(clean, "Delivery Fee"),
+      service_fee: tdPairValue(clean, "Service Fee"),
+      tip: tdPairValue(clean, "Tip"),
+      discounts: tdPairValue(clean, "Discounts"),
+      total_charged: total,
+    };
+  } else {
+    // Uber Eats states a Total, optionally in a foreign currency:
+    //   "Total $25.33"  |  "Total LKR 3,783.20"
+    // The [Family] orders are placed for family in Sri Lanka and are priced in
+    // LKR — reading those as dollars would inflate them ~200x, which is a large
+    // part of why they must not reach a budget untagged.
+    const m = text.match(/(?:New Total|Total)\s*(?:([A-Z]{3})\s*)?\$?\s*([\d,]+\.\d{2})/);
+    if (!m) throw new OrderParseError("no Total found", meta.messageId);
+    totals = {
+      subtotal: extractLabelled(text, "Item subtotal"),
+      taxes: extractLabelled(text, "Tax"),
+      delivery_fee: extractLabelled(text, "Delivery Fee"),
+      service_fee: extractLabelled(text, "Service Fee"),
+      tip: null,
+      discounts: null,
+      total_charged: money(m[2]),
+    };
+    if (m[1]) explicitCurrency = m[1].toUpperCase().replace(/\$$/, "");
+  }
+
+  // ---- payment -------------------------------------------------------------
+  const payment = parsePayment(platform, clean, text);
+  if (payment.ambiguous && is_family) {
+    // [Family] receipts name the payer, not an instrument ("Payments Siddharth
+    // LKR 3,783.20"), so no split is recoverable and there is no card leg to
+    // reconcile against — parking them would mean never importing them, which
+    // fails the actual requirement (import, tag, exclude from budgets).
+    // Treated as credits so the order is recorded and tagged. Safe because the
+    // family tag removes it from every budget regardless of instrument.
+    payment.ambiguous = false;
+    payment.credits_amount = totals.total_charged;
+    flags.push("family_payment_assumed_credits");
+  } else if (payment.ambiguous) {
+    // Split not stated and resolvable from the card statement — left for the
+    // ingestion runner to reconcile, not guessed here.
+    flags.push("payment_split_not_stated");
+  } else if (platform === "doordash") {
+    // DoorDash names the method but not the amount; the total is the amount.
+    if (payment.card_last4) payment.card_amount = totals.total_charged;
+    else payment.credits_amount = totals.total_charged;
+  }
+
+  // ---- line items ----------------------------------------------------------
+  // Uber Eats receipts carry no itemisation (verified across 29 real mails).
+  const line_items =
+    platform === "doordash" ? parseDoorDashLineItems(clean) : [];
+  if (platform === "doordash" && line_items.length === 0) {
+    flags.push("no_line_items_parsed");
+  }
+
+  const currency =
+    explicitCurrency ||
+    (/\b(NZD|USD|LKR|CHF|EUR|GBP|SGD|INR)\b/.test(text)
+      ? (text.match(/\b(NZD|USD|LKR|CHF|EUR|GBP|SGD|INR)\b/) as RegExpMatchArray)[1]
+      : "AUD");
+
+  return {
+    order_reference,
+    platform,
+    merchant_name,
+    order_datetime,
+    currency,
+    payment,
+    totals,
+    line_items,
+    is_family,
+    flags,
+  };
+}
+
+/**
+ * Integrity check on the amount we are about to record as spend.
+ *
+ * NOT an arithmetic reconciliation of the fee breakdown. Measured against 36
+ * real DoorDash receipts, the components do not sum to the total on 32 of them:
+ * DoorDash's `Discounts` line frequently equals subtotal + service fee exactly
+ * (Mad Mex: subtotal 22.10, service 1.99, Discounts -24.09, Total Charged
+ * 14.64) and sometimes differs by an unrelated margin. Whatever that line means
+ * to DoorDash, it is not a term in `total = components`.
+ *
+ * This corrects an earlier diagnosis that read the same numbers as an
+ * HTML-flattening artefact with a "true discount of $9.45". Parsing the table
+ * cells structurally yields the identical figures, and no $9.45 appears
+ * anywhere in the message — the receipt genuinely says this.
+ *
+ * So the breakdown is stored as provenance and never gated on. What IS checked
+ * is the number that becomes money in the ledger: DoorDash states the total
+ * twice, independently (a `Total: $X` header and a `Total Charged` table row),
+ * and those must agree. That catches a mis-parse, which is the failure that
+ * actually matters.
+ */
+export function validateOrderTotals(
+  order: ParsedOrder,
+  html?: string
+): { ok: boolean; reason?: string } {
+  const t = order.totals;
+
+  if (!(t.total_charged > 0)) {
+    return { ok: false, reason: `non-positive total ${t.total_charged}` };
+  }
+
+  // Cross-check the header total against the table total where both exist.
+  if (html && order.platform === "doordash") {
+    const header = collapse(decodeEntities(stripTags(html))).match(
+      /Total:\s*\$?([\d,]+\.\d{2})/i
+    );
+    if (header) {
+      const stated = money(header[1]);
+      if (Math.abs(stated - t.total_charged) > 0.02) {
+        return {
+          ok: false,
+          reason: `header total ${stated.toFixed(2)} disagrees with Total Charged ${t.total_charged.toFixed(2)}`,
+        };
+      }
+    }
+  }
+
+  // The payment line must account for the total, or we are recording an amount
+  // no stated payment method covers.
+  if (!order.payment.ambiguous) {
+    const paid = (order.payment.credits_amount || 0) + (order.payment.card_amount || 0);
+    if (paid > 0 && Math.abs(paid - t.total_charged) > 0.02) {
+      return {
+        ok: false,
+        reason: `payments sum to ${paid.toFixed(2)} but receipt states ${t.total_charged.toFixed(2)}`,
+      };
+    }
+  }
+
+  return { ok: true };
+}
+
+
+export interface OrderAmendment {
+  order_reference: string | null;
+  previous_total: number | null;
+  refund_amount: number | null;
+  new_total: number;
+  order_datetime: string;
+  messageId: string;
+}
+
+/**
+ * Refund / total-adjustment notices restate an order that was already ingested:
+ *
+ *   "We adjusted the total for your recent order from Coles (Wyndham Vale)."
+ *   Previous total $49.94 · Refund -$4.21 · New Total $45.73
+ *
+ * These are amendments, not receipts — inserting one as a new order would
+ * double-count the meal and hide the refund. Uber embeds the same order UUID it
+ * used on the original receipt, so the amendment can be matched back to it.
+ */
+export function parseOrderAmendment(html: string, meta: MessageMeta): OrderAmendment {
+  const clean = html.replace(/<!--[\s\S]*?-->/g, "");
+  const text = collapse(decodeEntities(stripTags(clean)));
+
+  if (!/We adjusted the total|Your refund has been applied|Previous total/i.test(text)) {
+    throw new OrderParseError("not an amendment notice", meta.messageId);
+  }
+
+  const newTotal = text.match(/New Total\s*(?:[A-Z]{3})?\s*\$?\s*([\d,]+\.\d{2})/i);
+  if (!newTotal) {
+    throw new OrderParseError("amendment states no New Total", meta.messageId);
+  }
+  const prev = text.match(/Previous total\s*(?:[A-Z]{3})?\s*\$?\s*([\d,]+\.\d{2})/i);
+  const refund = text.match(/Refund\s*-?\s*(?:[A-Z]{3})?\s*\$?\s*([\d,]+\.\d{2})/i);
+  const uuid = clean.match(/[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12}/i);
+
+  const received = new Date(meta.receivedAt);
+  if (isNaN(received.getTime())) {
+    throw new OrderParseError(`unparseable receivedAt: ${meta.receivedAt}`, meta.messageId);
+  }
+
+  return {
+    order_reference: uuid ? uuid[0].toLowerCase() : null,
+    previous_total: prev ? money(prev[1]) : null,
+    refund_amount: refund ? money(refund[1]) : null,
+    new_total: money(newTotal[1]),
+    order_datetime: received.toISOString(),
+    messageId: meta.messageId,
+  };
+}
+
+/** True when a message is an amendment rather than a receipt. */
+export function isAmendment(html: string): boolean {
+  const text = collapse(decodeEntities(stripTags(html.replace(/<!--[\s\S]*?-->/g, ""))));
+  return /We adjusted the total|Your refund has been applied|Previous total/i.test(text);
+}
@@ -22,6 +22,12 @@ export interface TransactionRow {
  category: string;
  row_index: number;
  created_at: string;
+  // loan repayment split — set only when the lender itemises it (migration 0014)
+  principal_amount: number | null;
+  interest_amount: number | null;
+  // How it was paid (migration 0016). NULL = unknown, treated as reconcilable.
+  // 'cash' is excluded from reconciliation — see notCash().
+  payment_method: string | null;
  // override fields
  category_override: string | null;
  merchant_override: string | null;
@@ -29,14 +35,24 @@ export interface TransactionRow {
  my_share_percent: number | null;
  effective_category: string;
  effective_merchant: string;
+  // My share of this transaction, resolved server-side so the UI matches analytics.
+  my_share_pct: number;
+  my_amount: number;
  // statement context (null for manual transactions)
  bank_name: string;
+  // Native currency of the statement this row came from ('AUD' for manual rows).
+  // `amount` is in this currency; `amount_aud` is the converted figure.
+  currency: string;
  owner_id: number;
  owner_name: string;
  // tags
  tags: TagRow[];
  // splits
  splits: { participant_id: number; name: string; share_percent: number; settled: boolean }[];
+  // trip
+  trip_id: number | null;
+  trip_name: string | null;
+  trip_color: string | null;
 }

 export interface StatementRow {
@@ -60,11 +76,21 @@ export interface StatementRow {
  credit_limit: number | null;
  currency: string;
  statement_type: string | null;
+  // Loan statements only (see migration 0014)
+  interest_rate: number | null;
+  scheduled_repayment: number | null;
+  repayment_frequency: string | null;
+  redraw_available: number | null;
+  loan_term_months: number | null;
  tier_used: string | null;
  owner_id: number;
  owner_name: string;
  created_at: string;
  transaction_count: number;
+  // Balance assertion (see BALANCE_DELTA). Null when the statement has no
+  // opening/closing balance to check against.
+  expected_closing: number | null;
+  balance_diff: number | null;
 }

 interface TransactionFilters {
@@ -83,6 +109,7 @@ interface TransactionFilters {
  amount_min?: number;
  amount_max?: number;
  has_split?: string;
+  trip_id?: string;
 }

 export async function getTransactions(ownerId: number, filters: TransactionFilters) {
@@ -154,6 +181,12 @@ export async function getTransactions(ownerId: number, filters: TransactionFilte
  } else if (filters.has_split === "no") {
    conditions.push(`NOT EXISTS (SELECT 1 FROM transaction_splits ts_f WHERE ts_f.transaction_id = t.id)`);
  }
+  if (filters.trip_id === "unassigned") {
+    conditions.push(`o.trip_id IS NULL`);
+  } else if (filters.trip_id) {
+    conditions.push(`o.trip_id = $${paramIdx++}`);
+    params.push(Number(filters.trip_id));
+  }

  const where = `WHERE ${conditions.join(" AND ")}`;

@@ -178,9 +211,31 @@ export async function getTransactions(ownerId: number, filters: TransactionFilte
      COALESCE(o.category_override, t.category) as effective_category,
      COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) as effective_merchant,
      COALESCE(s.bank_name, 'Manual') as bank_name,
+      COALESCE(s.currency, 'AUD') as currency,
+      -- My share, resolved the same way analytics does it (see myShare in
+      -- analytics-sql.ts): explicit split row, then override, then whatever is
+      -- left after everyone else. Computed here so the UI cannot drift from
+      -- the totals it is drilling into.
+      COALESCE(
+        (SELECT x.share_percent FROM transaction_splits x
+          WHERE x.transaction_id = t.id AND x.participant_id = $1),
+        o.my_share_percent,
+        100 - COALESCE((SELECT SUM(x.share_percent) FROM transaction_splits x
+                         WHERE x.transaction_id = t.id AND x.participant_id <> $1), 0)
+      )::numeric(5,2) as my_share_pct,
+      (COALESCE(t.amount_aud, t.amount) * COALESCE(
+        (SELECT x.share_percent FROM transaction_splits x
+          WHERE x.transaction_id = t.id AND x.participant_id = $1),
+        o.my_share_percent,
+        100 - COALESCE((SELECT SUM(x.share_percent) FROM transaction_splits x
+                         WHERE x.transaction_id = t.id AND x.participant_id <> $1), 0)
+      ) / 100)::numeric(12,2) as my_amount,
      COALESCE(t.owner_id, s.owner_id) as owner_id,
      p.name as owner_name,
      COALESCE(src.created_at, t.created_at) as created_at,
+      o.trip_id,
+      tr.name as trip_name,
+      tr.color as trip_color,
      txn_tags.tags,
      txn_splits.splits
    FROM transactions t
@@ -188,6 +243,7 @@ export async function getTransactions(ownerId: number, filters: TransactionFilte
    LEFT JOIN statements s ON s.id = t.statement_id
    LEFT JOIN participants p ON p.id = COALESCE(t.owner_id, s.owner_id)
    LEFT JOIN transactions src ON src.reconciled_with_id = t.id AND src.statement_id IS NULL
+    LEFT JOIN trips tr ON tr.id = o.trip_id
    LEFT JOIN LATERAL (
      SELECT COALESCE(json_agg(json_build_object('id', tg.id, 'name', tg.name, 'color', tg.color) ORDER BY tg.name), '[]'::json) as tags
      FROM transaction_tags tt
@@ -216,6 +272,22 @@ export async function getTransactions(ownerId: number, filters: TransactionFilte
  return { data, total, limit, offset };
 }

+// A user may act on a transaction they own (directly or via the parent
+// statement) or one they participate in via a split.
+export async function canAccessTransactions(ownerId: number, transactionIds: number[]): Promise<boolean> {
+  if (!transactionIds.length) return false;
+  const rows = await queryRaw<{ n: number }>(
+    `SELECT COUNT(*)::int AS n
+     FROM transactions t
+     LEFT JOIN statements s ON s.id = t.statement_id
+     WHERE t.id = ANY($2::int[])
+       AND (COALESCE(t.owner_id, s.owner_id) = $1
+            OR EXISTS (SELECT 1 FROM transaction_splits ts WHERE ts.transaction_id = t.id AND ts.participant_id = $1))`,
+    [ownerId, transactionIds]
+  );
+  return rows[0]?.n === transactionIds.length;
+}
+
 export async function getTransactionById(id: number) {
  const sql = `
    SELECT t.*,
@@ -235,13 +307,43 @@ export async function getTransactionById(id: number) {
  return rows[0] || null;
 }

+/**
+ * Does opening_balance + the period's transactions equal closing_balance?
+ *
+ * The single cheapest check on extraction quality: it catches missed rows,
+ * duplicates, sign errors and transactions filed against the wrong statement,
+ * none of which are visible by eye. Borrowed from double-entry accounting,
+ * where it is called a balance assertion.
+ *
+ * Sign depends on what the balance means. On a liability (credit card, loan)
+ * the balance is what you OWE, so spending increases it and payments reduce it.
+ * On an asset (transaction, savings, offset) the balance is what you HOLD, so
+ * the signs invert.
+ */
+export const BALANCE_DELTA = `SUM(CASE
+  WHEN s.statement_type IN ('credit_card', 'loan')
+    THEN CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN t.amount ELSE -t.amount END
+    ELSE CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN -t.amount ELSE t.amount END
+END)`;
+
 export async function getStatements(ownerId: number) {
  const sql = `
    SELECT s.*,
      (SELECT COUNT(*)::int FROM transactions t WHERE t.statement_id = s.id) as transaction_count,
-      p.name as owner_name
+      p.name as owner_name,
+      recon.expected_closing,
+      recon.balance_diff
    FROM statements s
    LEFT JOIN participants p ON p.id = s.owner_id
+    LEFT JOIN LATERAL (
+      SELECT
+        (s.opening_balance + ${BALANCE_DELTA})::numeric(12,2) as expected_closing,
+        (s.opening_balance + ${BALANCE_DELTA} - s.closing_balance)::numeric(12,2) as balance_diff
+      FROM transactions t
+      WHERE t.statement_id = s.id
+        AND s.opening_balance IS NOT NULL
+        AND s.closing_balance IS NOT NULL
+    ) recon ON true
    WHERE s.owner_id = $1
    ORDER BY s.billing_end_date DESC NULLS LAST, s.created_at DESC
  `;
@@ -322,8 +424,10 @@ export async function getParticipantBalances(ownerId: number, tagIds?: number[])

    LEFT JOIN (
      -- They owe me: their splits on transactions I own
+      -- Settle in AUD: on a foreign-currency row the amount column is in its own
+      -- currency, so splitting on it nets a USD figure against AUD ones.
      SELECT ts.participant_id AS pid,
-        (CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN t.amount ELSE -t.amount END) * ts.share_percent / 100 AS signed_amount,
+        (CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN COALESCE(t.amount_aud, t.amount) ELSE -COALESCE(t.amount_aud, t.amount) END) * ts.share_percent / 100 AS signed_amount,
        1 AS split_count
      FROM transaction_splits ts
      JOIN transactions t ON t.id = ts.transaction_id
@@ -336,7 +440,7 @@ export async function getParticipantBalances(ownerId: number, tagIds?: number[])

      -- I owe them: my splits on transactions they own
      SELECT COALESCE(t.owner_id, s.owner_id) AS pid,
-        -((CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN t.amount ELSE -t.amount END) * ts.share_percent / 100) AS signed_amount,
+        -((CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN COALESCE(t.amount_aud, t.amount) ELSE -COALESCE(t.amount_aud, t.amount) END) * ts.share_percent / 100) AS signed_amount,
        0 AS split_count
      FROM transaction_splits ts
      JOIN transactions t ON t.id = ts.transaction_id
@@ -416,6 +520,22 @@ export async function batchInsertCSVTransactions(
  return txIds.length;
 }

+/**
+ * Excludes cash from reconciliation.
+ *
+ * Cash never appears on a statement, so a cash transaction would sit in the
+ * queue forever being offered matches within 3 days and 1% on amount. Accepting
+ * one is silently destructive: reconciled manual rows are filtered out of every
+ * query, so the cash spend vanishes while the card transaction it matched
+ * claims to be that same spend.
+ *
+ * Only cash is excluded. Bank transfers do appear on a statement now that
+ * transaction accounts are imported, and NULL means unknown — both stay
+ * candidates, which preserves the behaviour of every pre-existing row.
+ */
+export const notCash = (alias = "t") =>
+  `(${alias}.payment_method IS NULL OR ${alias}.payment_method <> 'cash')`;
+
 export interface PotentialMatch {
  id: number;
  transaction_date: string;
@@ -458,6 +578,7 @@ export async function getPendingReconciliations(ownerId: number): Promise<Manual
       WHERE ts.transaction_id = t.id
     ) txn_splits ON true
     WHERE t.statement_id IS NULL AND t.owner_id = $1 AND t.reconciled_with_id IS NULL
+       AND ${notCash("t")}
     ORDER BY t.transaction_date DESC, t.row_index ASC`,
    [ownerId]
  );
@@ -499,6 +620,7 @@ export async function getPendingReconciliations(ownerId: number): Promise<Manual
       WHERE m.statement_id IS NULL
         AND m.owner_id = $1
         AND m.reconciled_with_id IS NULL
+         AND ${notCash("m")}
         AND COALESCE(t.owner_id, s.owner_id) = $1
         AND NOT EXISTS (
           SELECT 1 FROM transactions mt WHERE mt.reconciled_with_id = t.id
@@ -604,3 +726,237 @@ export async function getSharedTransactions(ownerId: number, tagIds?: number[],
    splits: typeof r.split_data === "string" ? JSON.parse(r.split_data) : r.split_data,
  }));
 }
+
+// ─── Trips ───────────────────────────────────────────────────────────────────
+
+export interface TripRow {
+  id: number;
+  owner_id: number;
+  name: string;
+  description: string | null;
+  start_date: string | null;
+  end_date: string | null;
+  color: string;
+  archived: boolean;
+  created_at: string;
+  total_spend: number;
+  transaction_count: number;
+}
+
+export interface TripAnalytics {
+  trip: TripRow;
+  total_spend: number;
+  transaction_count: number;
+  num_days: number;
+  daily_average: number;
+  category_breakdown: { category: string; amount: number; count: number }[];
+  daily_spend: { date: string; amount: number }[];
+  top_merchants: { merchant: string; amount: number; count: number }[];
+  tag_breakdown: { tag_id: number; name: string; color: string; amount: number; count: number }[];
+  participant_splits: { participant_id: number; name: string; owed: number }[];
+}
+
+export async function getTrips(ownerId: number): Promise<TripRow[]> {
+  return queryRaw<TripRow>(`
+    SELECT
+      t.*,
+      COALESCE(SUM(
+        CASE WHEN tx.transaction_type IN ('debit','fee','interest')
+             AND COALESCE(o.category_override, tx.category, 'other') NOT IN ('transfers', 'investment')
+        THEN COALESCE(tx.amount_aud, tx.amount) ELSE 0 END
+      ), 0)::float AS total_spend,
+      COUNT(o.transaction_id)::int AS transaction_count
+    FROM trips t
+    LEFT JOIN transaction_overrides o ON o.trip_id = t.id
+    LEFT JOIN transactions tx ON tx.id = o.transaction_id
+    WHERE t.owner_id = $1
+    GROUP BY t.id
+    ORDER BY t.created_at DESC
+  `, [ownerId]);
+}
+
+export async function getTripById(id: number, ownerId: number): Promise<TripRow | null> {
+  const rows = await queryRaw<TripRow>(`
+    SELECT
+      t.*,
+      COALESCE(SUM(
+        CASE WHEN tx.transaction_type IN ('debit','fee','interest')
+             AND COALESCE(o.category_override, tx.category, 'other') NOT IN ('transfers', 'investment')
+        THEN COALESCE(tx.amount_aud, tx.amount) ELSE 0 END
+      ), 0)::float AS total_spend,
+      COUNT(o.transaction_id)::int AS transaction_count
+    FROM trips t
+    LEFT JOIN transaction_overrides o ON o.trip_id = t.id
+    LEFT JOIN transactions tx ON tx.id = o.transaction_id
+    WHERE t.id = $1 AND t.owner_id = $2
+    GROUP BY t.id
+  `, [id, ownerId]);
+  return rows[0] ?? null;
+}
+
+export async function getTripAnalytics(tripId: number, ownerId: number): Promise<TripAnalytics> {
+  const trip = await getTripById(tripId, ownerId);
+  if (!trip) throw new Error("Trip not found");
+
+  const [categoryRows, dailyRows, merchantRows, tagRows, splitRows] = await Promise.all([
+    queryRaw<{ category: string; amount: number; count: number }>(`
+      SELECT
+        COALESCE(o.category_override, tx.category, 'other') AS category,
+        SUM(COALESCE(tx.amount_aud, tx.amount))::float AS amount,
+        COUNT(*)::int AS count
+      FROM transaction_overrides o
+      JOIN transactions tx ON tx.id = o.transaction_id
+      WHERE o.trip_id = $1
+        AND tx.transaction_type IN ('debit','fee','interest')
+        AND COALESCE(o.category_override, tx.category, 'other') NOT IN ('transfers', 'investment')
+      GROUP BY 1
+      ORDER BY 2 DESC
+    `, [tripId]),
+
+    queryRaw<{ date: string; amount: number }>(`
+      SELECT
+        tx.transaction_date::text AS date,
+        SUM(COALESCE(tx.amount_aud, tx.amount))::float AS amount
+      FROM transaction_overrides o
+      JOIN transactions tx ON tx.id = o.transaction_id
+      WHERE o.trip_id = $1
+        AND tx.transaction_type IN ('debit','fee','interest')
+        AND COALESCE(o.category_override, tx.category, 'other') NOT IN ('transfers', 'investment')
+      GROUP BY 1
+      ORDER BY 1
+    `, [tripId]),
+
+    queryRaw<{ merchant: string; amount: number; count: number }>(`
+      SELECT
+        COALESCE(o.merchant_normalized, tx.merchant_normalized, tx.merchant_name, tx.description) AS merchant,
+        SUM(COALESCE(tx.amount_aud, tx.amount))::float AS amount,
+        COUNT(*)::int AS count
+      FROM transaction_overrides o
+      JOIN transactions tx ON tx.id = o.transaction_id
+      WHERE o.trip_id = $1
+        AND tx.transaction_type IN ('debit','fee','interest')
+        AND COALESCE(o.category_override, tx.category, 'other') NOT IN ('transfers', 'investment')
+      GROUP BY 1
+      ORDER BY 2 DESC
+      LIMIT 10
+    `, [tripId]),
+
+    queryRaw<{ tag_id: number; name: string; color: string; amount: number; count: number }>(`
+      SELECT
+        tg.id AS tag_id, tg.name, tg.color,
+        SUM(COALESCE(tx.amount_aud, tx.amount))::float AS amount,
+        COUNT(DISTINCT tx.id)::int AS count
+      FROM transaction_overrides o
+      JOIN transactions tx ON tx.id = o.transaction_id
+      JOIN transaction_tags tt ON tt.transaction_id = tx.id
+      JOIN tags tg ON tg.id = tt.tag_id
+      WHERE o.trip_id = $1
+        AND tx.transaction_type IN ('debit','fee','interest')
+        AND COALESCE(o.category_override, tx.category, 'other') NOT IN ('transfers', 'investment')
+      GROUP BY tg.id
+      ORDER BY 4 DESC
+    `, [tripId]),
+
+    // No settled/unsettled breakdown here. It was computed from
+    // transaction_splits.settled, which only /api/splits/settle writes and
+    // nothing in the UI calls — so it is false on all 673 splits and every trip
+    // reported 100% unsettled, including trips paid in full. A real per-trip
+    // figure is not computable either: split_payments carries no trip
+    // attribution, so a payment cannot be assigned to a trip. Settlement is a
+    // property of the whole relationship until settlement contexts exist
+    // (see docs/shared-expenses-design.md).
+    queryRaw<{ participant_id: number; name: string; owed: number }>(`
+      SELECT
+        p.id AS participant_id,
+        p.name,
+        SUM(ts.share_percent / 100.0 * COALESCE(tx.amount_aud, tx.amount))::float AS owed
+      FROM transaction_overrides o
+      JOIN transactions tx ON tx.id = o.transaction_id
+      JOIN transaction_splits ts ON ts.transaction_id = tx.id
+      JOIN participants p ON p.id = ts.participant_id
+      WHERE o.trip_id = $1
+        AND tx.transaction_type IN ('debit','fee','interest')
+        AND COALESCE(o.category_override, tx.category, 'other') NOT IN ('transfers', 'investment')
+      GROUP BY p.id
+      ORDER BY 3 DESC
+    `, [tripId]),
+  ]);
+
+  const num_days = (trip.start_date && trip.end_date)
+    ? Math.max(1, Math.round((new Date(trip.end_date).getTime() - new Date(trip.start_date).getTime()) / 86400000) + 1)
+    : Math.max(dailyRows.length, 1);
+
+  return {
+    trip,
+    total_spend: trip.total_spend,
+    transaction_count: trip.transaction_count,
+    num_days,
+    daily_average: trip.total_spend / num_days,
+    category_breakdown: categoryRows,
+    daily_spend: dailyRows,
+    top_merchants: merchantRows,
+    tag_breakdown: tagRows,
+    participant_splits: splitRows,
+  };
+}
+
+export async function createTrip(
+  ownerId: number,
+  data: { name: string; description?: string | null; start_date?: string | null; end_date?: string | null; color?: string }
+): Promise<TripRow> {
+  const rows = await queryRaw<TripRow>(`
+    INSERT INTO trips (owner_id, name, description, start_date, end_date, color)
+    VALUES ($1, $2, $3, $4, $5, $6)
+    RETURNING *, 0::float AS total_spend, 0::int AS transaction_count
+  `, [ownerId, data.name, data.description ?? null, data.start_date ?? null, data.end_date ?? null, data.color ?? '#6366f1']);
+  return rows[0];
+}
+
+export async function updateTrip(
+  id: number,
+  ownerId: number,
+  data: Partial<{ name: string; description: string | null; start_date: string | null; end_date: string | null; color: string; archived: boolean }>
+): Promise<TripRow | null> {
+  const setClauses: string[] = [];
+  const params: unknown[] = [];
+  let idx = 1;
+  if (data.name !== undefined) { setClauses.push(`name = $${idx++}`); params.push(data.name); }
+  if ('description' in data) { setClauses.push(`description = $${idx++}`); params.push(data.description ?? null); }
+  if ('start_date' in data) { setClauses.push(`start_date = $${idx++}`); params.push(data.start_date ?? null); }
+  if ('end_date' in data) { setClauses.push(`end_date = $${idx++}`); params.push(data.end_date ?? null); }
+  if (data.color !== undefined) { setClauses.push(`color = $${idx++}`); params.push(data.color); }
+  if (data.archived !== undefined) { setClauses.push(`archived = $${idx++}`); params.push(data.archived); }
+  if (!setClauses.length) return getTripById(id, ownerId);
+  params.push(id, ownerId);
+  const rows = await queryRaw<TripRow>(`
+    UPDATE trips SET ${setClauses.join(', ')}
+    WHERE id = $${idx++} AND owner_id = $${idx}
+    RETURNING *, 0::float AS total_spend, 0::int AS transaction_count
+  `, params);
+  return rows[0] ?? null;
+}
+
+export async function deleteTrip(id: number, ownerId: number): Promise<void> {
+  await queryRaw(`DELETE FROM trips WHERE id = $1 AND owner_id = $2`, [id, ownerId]);
+}
+
+export async function assignTransactionsToTrip(
+  tripId: number | null,
+  transactionIds: number[]
+): Promise<void> {
+  if (!transactionIds.length) return;
+  await queryRaw(`
+    INSERT INTO transaction_overrides (transaction_id, trip_id)
+    SELECT unnest($1::int[]), $2
+    ON CONFLICT (transaction_id)
+    DO UPDATE SET trip_id = EXCLUDED.trip_id
+  `, [transactionIds, tripId]);
+}
+
+export async function getTagTransactionIds(tagId: number): Promise<number[]> {
+  const rows = await queryRaw<{ transaction_id: number }>(
+    `SELECT transaction_id FROM transaction_tags WHERE tag_id = $1`,
+    [tagId]
+  );
+  return rows.map((r) => r.transaction_id);
+}
@@ -0,0 +1,130 @@
+/**
+ * Applying a rule's `actions` to transactions, and snapshotting the before-state
+ * so a run can be reverted.
+ *
+ * Shared by the two callers that write rule actions:
+ * - `POST /api/rules/apply` — condition-matched bulk run
+ * - `POST /api/transactions/bulk` with `action: "apply_rule"` — quick action
+ *   fired against a hand-picked selection (conditions ignored)
+ */
+
+import { queryRaw } from "@/lib/db";
+import type { Actions } from "@/lib/rules";
+
+export interface SnapshotEntry {
+  transaction_id: number;
+  had_override: boolean;
+  prev_category_override: string | null;
+  prev_merchant_normalized: string | null;
+  prev_tag_ids: number[];
+  prev_splits: { participant_id: number; share_percent: number; settled: boolean }[];
+}
+
+/**
+ * Apply `actions` to one transaction.
+ *
+ * Tags are additive (ON CONFLICT DO NOTHING) — re-running never duplicates and
+ * never removes tags the rule doesn't mention. Splits replace the participant
+ * set but upsert shares, so `settled` flags survive a re-run; a plain
+ * delete+reinsert would silently un-settle reconciled splits.
+ */
+export async function applyRuleActions(
+  transactionId: number,
+  actions: Actions,
+  opts: { skipSplit?: boolean } = {}
+): Promise<void> {
+  if (actions.set_category || actions.set_merchant) {
+    await queryRaw(
+      `INSERT INTO transaction_overrides (transaction_id, category_override, merchant_normalized)
+       VALUES ($1, $2, $3)
+       ON CONFLICT (transaction_id) DO UPDATE SET
+         category_override = COALESCE($2, transaction_overrides.category_override),
+         merchant_normalized = COALESCE($3, transaction_overrides.merchant_normalized),
+         updated_at = NOW()`,
+      [transactionId, actions.set_category || null, actions.set_merchant || null]
+    );
+  }
+
+  if (actions.add_tag_ids?.length) {
+    for (const tagId of actions.add_tag_ids) {
+      await queryRaw(
+        `INSERT INTO transaction_tags (transaction_id, tag_id) VALUES ($1, $2) ON CONFLICT DO NOTHING`,
+        [transactionId, tagId]
+      );
+    }
+  }
+
+  if (actions.apply_split?.length && !opts.skipSplit) {
+    await queryRaw(
+      `DELETE FROM transaction_splits WHERE transaction_id = $1 AND participant_id != ALL($2::int[])`,
+      [transactionId, actions.apply_split.map((s) => s.participant_id)]
+    );
+    for (const s of actions.apply_split) {
+      await queryRaw(
+        `INSERT INTO transaction_splits (transaction_id, participant_id, share_percent)
+         VALUES ($1, $2, $3)
+         ON CONFLICT (transaction_id, participant_id)
+         DO UPDATE SET share_percent = EXCLUDED.share_percent`,
+        [transactionId, s.participant_id, s.share_percent]
+      );
+    }
+  }
+}
+
+/** Capture the overrides / tags / splits of `ids` before a run mutates them. */
+export async function captureSnapshot(ids: number[]): Promise<SnapshotEntry[]> {
+  if (ids.length === 0) return [];
+
+  const overrides = await queryRaw<{
+    transaction_id: number;
+    category_override: string | null;
+    merchant_normalized: string | null;
+  }>(
+    `SELECT transaction_id, category_override, merchant_normalized
+     FROM transaction_overrides WHERE transaction_id = ANY($1::int[])`,
+    [ids]
+  );
+  const overrideMap = new Map(overrides.map((o) => [o.transaction_id, o]));
+
+  const tagRows = await queryRaw<{ transaction_id: number; tag_id: number }>(
+    `SELECT transaction_id, tag_id FROM transaction_tags WHERE transaction_id = ANY($1::int[])`,
+    [ids]
+  );
+  const tagMap = new Map<number, number[]>();
+  for (const row of tagRows) {
+    if (!tagMap.has(row.transaction_id)) tagMap.set(row.transaction_id, []);
+    tagMap.get(row.transaction_id)!.push(row.tag_id);
+  }
+
+  const splitRows = await queryRaw<{
+    transaction_id: number;
+    participant_id: number;
+    share_percent: number;
+    settled: boolean;
+  }>(
+    `SELECT transaction_id, participant_id, share_percent, settled
+     FROM transaction_splits WHERE transaction_id = ANY($1::int[])`,
+    [ids]
+  );
+  const splitMap = new Map<number, { participant_id: number; share_percent: number; settled: boolean }[]>();
+  for (const row of splitRows) {
+    if (!splitMap.has(row.transaction_id)) splitMap.set(row.transaction_id, []);
+    splitMap.get(row.transaction_id)!.push({
+      participant_id: row.participant_id,
+      share_percent: row.share_percent,
+      settled: row.settled,
+    });
+  }
+
+  return ids.map((id) => {
+    const ov = overrideMap.get(id);
+    return {
+      transaction_id: id,
+      had_override: !!ov,
+      prev_category_override: ov?.category_override ?? null,
+      prev_merchant_normalized: ov?.merchant_normalized ?? null,
+      prev_tag_ids: tagMap.get(id) ?? [],
+      prev_splits: splitMap.get(id) ?? [],
+    };
+  });
+}
@@ -0,0 +1,45 @@
+// Canonical statement types. Mirrors the CHECK constraint and the
+// normalize_statement_type() SQL function in migration 0013 — keep them in sync.
+export const STATEMENT_TYPES = [
+  "credit_card",
+  "transaction",
+  "savings",
+  "loan",
+  "offset",
+  "investment",
+  "other",
+] as const;
+
+export type StatementType = (typeof STATEMENT_TYPES)[number];
+
+export const STATEMENT_TYPE_LABELS: Record<StatementType, string> = {
+  credit_card: "Credit Card",
+  transaction: "Transaction",
+  savings: "Savings",
+  loan: "Loan",
+  offset: "Offset",
+  investment: "Investment",
+  other: "Other",
+};
+
+export function isStatementType(v: string | null | undefined): v is StatementType {
+  return !!v && (STATEMENT_TYPES as readonly string[]).includes(v);
+}
+
+/** Falls back to "other" for anything unrecognised (e.g. rows predating 0013). */
+export function asStatementType(v: string | null | undefined): StatementType {
+  return isStatementType(v) ? v : "other";
+}
+
+export function formatStatementType(v: string | null | undefined): string {
+  return STATEMENT_TYPE_LABELS[asStatementType(v)];
+}
+
+/**
+ * Types where the headline figure is "amount owed" rather than "balance held",
+ * and where a payment due date is meaningful.
+ */
+export function isLiability(v: string | null | undefined): boolean {
+  const t = asStatementType(v);
+  return t === "credit_card" || t === "loan";
+}
@@ -20,5 +20,10 @@ export default defineConfig({
    environment: "node",
    include: ["src/__tests__/integration/**/*.test.ts"],
    pool: "forks",
+    // Every integration file shares the one `personal_test` database, and
+    // helpers.resetDB() TRUNCATEs it (CASCADE reaches expense_metadata).
+    // Run files one at a time so a sibling's reset cannot delete rows another
+    // file just inserted — that raced non-deterministically across I6/I7/I11.
+    fileParallelism: false,
  },
 });