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A loan repayment is not an expense. A $3,000 mortgage repayment is roughly $1,200 of principal (equity — a balance-sheet move) and $1,800 of interest (the only part that is genuinely spend). Migration 0014: - transactions.principal_amount / interest_amount, populated only when the lender itemises the split on the repayment row - statements.interest_rate, scheduled_repayment, repayment_frequency, redraw_available, loan_term_months - normalize_repayment_frequency() + trigger, so "Fortnightly", "Bi-Weekly" and "Every 2 weeks" all land on 'fortnightly' Two statement shapes are handled. Where the loan statement lists repayments and "Interest Charged" as separate rows (the common Australian case), transaction_type already does the work. Where a lender itemises the split on the repayment row, that row is typed 'payment' and would be skipped entirely — losing the interest. New SPEND_ROWS / SPEND_BASE fragments in analytics-sql.ts count such rows at interest_amount instead of amount. Adds the loan_interest category (+ colour, and the missing fees colour). Verified against the live DB with a synthetic ANZ home loan statement: a $3,000 itemised repayment plus a $10 service fee moved April spend by exactly $1,810, with the $1,200 principal excluded and still retained on the row. Test data removed and the figure confirmed back at its original value.