ci / lint-test (push) Successful in 35s
Three problems that look separate are one: the app records money moving, and separately records who owes whom, and the two never meet. Documents what is broken with evidence - two half-built settlement models, settlements existing twice unlinked, and Sonu's $37,980 of loan contributions sitting unrecognised as generic transfers - then proposes settlement contexts, payments as transactions rather than a side table, and loan co-ownership. Nothing built. Five open questions, two of which are decisions about the arrangement rather than the software.