index.inline.js

// ═══════════════════════════════════════════════════════════════
// TFSA & FHSA Tracker — Unified Engine (v12)
// Compliance, hardening, explainability, and safer import/export
// ═══════════════════════════════════════════════════════════════

// ─── CRA Official TFSA Annual Limits (2009–2035) ───
const OFFICIAL_TFSA_LIMITS = {
  2009:5000,2010:5000,2011:5000,2012:5000,2013:5500,2014:5500,
  2015:10000,2016:5500,2017:5500,2018:5500,2019:6000,2020:6000,
  2021:6000,2022:6000,2023:6500,2024:7000,2025:7000,2026:7000
};

const CONFIG_DEFAULTS = {
  tfsaEligibleStartYear: 2015,
  currentYear: 2026,
  fhsaFirstYear: 2023,
  fhsaAnnualLimit: 8000,
  fhsaLifetimeLimit: 40000,
  fhsaCarryforwardCap: 8000,
  fhsaBirthDate: '',
  tfsaAnnualLimits: Object.assign({}, OFFICIAL_TFSA_LIMITS, {2027:0,2028:0,2029:0,2030:0,2031:0,2032:0,2033:0,2034:0,2035:0})
};

const UI_DEFAULTS = {
  TFSA: {inst:'Wealthsimple',acct:'manual',type:'Contribution',treat:'Include'},
  FHSA: {inst:'Wealthsimple',acct:'DEMO-FHSA-CAD-001',type:'Contribution',status:'Include'},
  importDefaults: {sourceKind:'auto',plan:'AUTO',signMode:'positive_inflow',dateFormat:'AUTO',institution:'',account:'',mergeMode:'skip'},
  craSnapshots: {tfsa:null,fhsa:null},
  lastImportSummary: null,
  importHistory: [],
  postImportNotice: null,
  activityLog: [],
  demoSeedActive: false
};

// ─── RRSP Seeded Data ───
const DEFAULT_RRSP_META = {province:'Ontario',hasHbpHistory:false,hasLlpHistory:false,hasSpousalRrsp:false,hasGroupRrsp:false,hasOvercontributionHistory:false,moduleVersion:'rrsp-v1.2',seedState:'seeded',notes:'',rrspInitialized:false};
const INIT_RRSP={"meta":{"province":"Ontario","hasHbpHistory":false,"hasLlpHistory":false,"hasSpousalRrsp":false,"hasGroupRrsp":false,"hasOvercontributionHistory":false,"notes":"Synthetic RRSP demo dataset with carryforward, first-60-days usage, and a room-neutral transfer."},"annual":[{"taxYear":2022,"availableContributionRoom":28000.0,"deductionLimit":28000.0,"regularPeriodContributions":4500.0,"first60DaysContributions":0.0,"totalContributionsForReturn":4500.0,"deductionClaimed":4500.0,"unusedContributionsCarryforwardStart":0.0,"unusedContributionsCarryforwardEnd":0.0,"unusedDeductionRoomEnd":23500.0,"actualRefundOrBalance":1800.0,"actualTotalIncome":72000.0,"actualTaxableIncome":67500.0,"actualTotalPayable":14000.0,"sourceQuality":"Demo seed","notes":"All contributions deducted."},{"taxYear":2023,"availableContributionRoom":36000.0,"deductionLimit":36000.0,"regularPeriodContributions":6000.0,"first60DaysContributions":3000.0,"totalContributionsForReturn":9000.0,"deductionClaimed":7000.0,"unusedContributionsCarryforwardStart":0.0,"unusedContributionsCarryforwardEnd":2000.0,"unusedDeductionRoomEnd":29000.0,"actualRefundOrBalance":2400.0,"actualTotalIncome":88000.0,"actualTaxableIncome":81000.0,"actualTotalPayable":16500.0,"sourceQuality":"Demo seed","notes":"Intentional carryforward example."},{"taxYear":2024,"availableContributionRoom":46500.0,"deductionLimit":46500.0,"regularPeriodContributions":5200.0,"first60DaysContributions":4800.0,"totalContributionsForReturn":10000.0,"deductionClaimed":11000.0,"unusedContributionsCarryforwardStart":2000.0,"unusedContributionsCarryforwardEnd":1000.0,"unusedDeductionRoomEnd":35500.0,"actualRefundOrBalance":3100.0,"actualTotalIncome":97000.0,"actualTaxableIncome":86000.0,"actualTotalPayable":19000.0,"sourceQuality":"Demo seed","notes":"Carryforward partially used and a room-neutral transfer occurs this year."},{"taxYear":2025,"availableContributionRoom":59000.0,"deductionLimit":59000.0,"regularPeriodContributions":4200.0,"first60DaysContributions":6800.0,"totalContributionsForReturn":11000.0,"deductionClaimed":10500.0,"unusedContributionsCarryforwardStart":1000.0,"unusedContributionsCarryforwardEnd":1500.0,"unusedDeductionRoomEnd":48500.0,"actualRefundOrBalance":4200.0,"actualTotalIncome":108000.0,"actualTaxableIncome":97500.0,"actualTotalPayable":22000.0,"sourceQuality":"Demo seed","notes":"Mixed regular-year and first-60-days contributions with a small carryforward retained."},{"taxYear":2026,"availableContributionRoom":68000.0,"deductionLimit":68000.0,"regularPeriodContributions":0.0,"first60DaysContributions":0.0,"totalContributionsForReturn":0.0,"deductionClaimed":0.0,"unusedContributionsCarryforwardStart":1500.0,"unusedContributionsCarryforwardEnd":1500.0,"unusedDeductionRoomEnd":68000.0,"actualRefundOrBalance":0.0,"actualTotalIncome":0.0,"actualTaxableIncome":0.0,"actualTotalPayable":0.0,"sourceQuality":"Demo seed","notes":"Current opening RRSP room for planning scenarios."}],"receipts":[{"taxYear":2023,"institution":"NorthHarbour","accountId":"RRSP-8231","regularPeriodAmount":6000.0,"first60DaysAmount":3000.0,"sourceRef":"Demo RRSP receipt","notes":"Synthetic example with first-60-days usage."},{"taxYear":2024,"institution":"MapleInvest","accountId":"RRSP-2044","regularPeriodAmount":5200.0,"first60DaysAmount":4800.0,"sourceRef":"Demo RRSP receipt","notes":"Synthetic example with a separate institutional transfer in the same year."},{"taxYear":2025,"institution":"NorthHarbour","accountId":"RRSP-8231","regularPeriodAmount":4200.0,"first60DaysAmount":2800.0,"sourceRef":"Demo RRSP receipt","notes":"Synthetic example."},{"taxYear":2025,"institution":"PrairieDirect","accountId":"RRSP-5518","regularPeriodAmount":0.0,"first60DaysAmount":4000.0,"sourceRef":"Demo RRSP receipt","notes":"Synthetic example."}],"txns":[{"d":"2023-11-30","inst":"NorthHarbour","acct":"RRSP-8231","type":"Contribution","amt":6000.0,"taxYearTarget":2023,"window":"regular_year","roomEffect":"consumes_room","sourceType":"receipt","note":"Synthetic regular-year contribution."},{"d":"2024-02-20","inst":"NorthHarbour","acct":"RRSP-8231","type":"First 60 Contribution","amt":3000.0,"taxYearTarget":2023,"window":"first_60_days","roomEffect":"consumes_room","sourceType":"receipt","note":"Synthetic first-60-days contribution."},{"d":"2024-06-18","inst":"NorthHarbour","acct":"RRSP-8231","type":"Institutional Transfer In","amt":7500.0,"taxYearTarget":2024,"window":"not_applicable","roomEffect":"room_neutral","sourceType":"activity","note":"Synthetic room-neutral RRSP transfer from another institution."},{"d":"2024-10-10","inst":"MapleInvest","acct":"RRSP-2044","type":"Contribution","amt":5200.0,"taxYearTarget":2024,"window":"regular_year","roomEffect":"consumes_room","sourceType":"receipt","note":"Synthetic regular-year contribution."},{"d":"2025-02-25","inst":"MapleInvest","acct":"RRSP-2044","type":"First 60 Contribution","amt":4800.0,"taxYearTarget":2024,"window":"first_60_days","roomEffect":"consumes_room","sourceType":"receipt","note":"Synthetic first-60-days contribution."},{"d":"2025-07-12","inst":"NorthHarbour","acct":"RRSP-8231","type":"Contribution","amt":4200.0,"taxYearTarget":2025,"window":"regular_year","roomEffect":"consumes_room","sourceType":"receipt","note":"Synthetic regular-year contribution."},{"d":"2026-02-20","inst":"NorthHarbour","acct":"RRSP-8231","type":"First 60 Contribution","amt":2800.0,"taxYearTarget":2025,"window":"first_60_days","roomEffect":"consumes_room","sourceType":"receipt","note":"Synthetic first-60-days contribution."},{"d":"2026-03-01","inst":"PrairieDirect","acct":"RRSP-5518","type":"First 60 Contribution","amt":4000.0,"taxYearTarget":2025,"window":"first_60_days","roomEffect":"consumes_room","sourceType":"receipt","note":"Synthetic first-60-days contribution."}]};
function cloneRrspSeed(){return clone(INIT_RRSP)}
function rrspStateHasData(state){
  return !!(state && ((Array.isArray(state.txns)&&state.txns.length) || (Array.isArray(state.annual)&&state.annual.length) || (Array.isArray(state.receipts)&&state.receipts.length)));
}
function makeEmptyRrspState(meta,intentionalEmpty=false){const merged=Object.assign(clone(DEFAULT_RRSP_META),meta||{}); if(intentionalEmpty){ merged.seedState='empty-by-user'; merged.userEmptyExplicitVersion=RRSP_EMPTY_EXPLICIT_VERSION; merged.userEmptyExplicitAt=Date.now(); merged.rrspInitialized=true; } else { delete merged.userEmptyExplicitVersion; delete merged.userEmptyExplicitAt; if(!Object.prototype.hasOwnProperty.call(merged,'rrspInitialized')) merged.rrspInitialized=false; } return {txns:[],annual:[],receipts:[],meta:merged,intentionalEmpty:!!intentionalEmpty}}
function normalizeRrspState(state,seeded){
  const base=seeded?cloneRrspSeed():makeEmptyRrspState();
  const src=state&&typeof state==='object'?state:{};
  const rawMeta=(src&&src.meta&&typeof src.meta==='object')?src.meta:{};
  const currentModuleVersion=String((DEFAULT_RRSP_META&&DEFAULT_RRSP_META.moduleVersion)||'');
  const explicitUserEmpty=!!(rawMeta&&rawMeta.userEmptyExplicitVersion===RRSP_EMPTY_EXPLICIT_VERSION&&String(rawMeta.moduleVersion||'')===currentModuleVersion&&rawMeta.rrspInitialized===true);
  const legacyUninitializedEmpty=!!(seeded && !rrspStateHasData(src) && rawMeta.rrspInitialized!==true);
  const useSeedFallback=!!(seeded && !rrspStateHasData(src) && !explicitUserEmpty);
  const meta=Object.assign(clone(DEFAULT_RRSP_META), base.meta||{}, src.meta||{});
  if(explicitUserEmpty){
    meta.seedState='empty-by-user';
    meta.userEmptyExplicitVersion=RRSP_EMPTY_EXPLICIT_VERSION;
    meta.rrspInitialized=true;
  }else if(useSeedFallback){
    meta.seedState='seeded';
    meta.moduleVersion=currentModuleVersion;
    meta.rrspInitialized=true;
    delete meta.userEmptyExplicitVersion;
    delete meta.userEmptyExplicitAt;
  }else{
    delete meta.userEmptyExplicitVersion;
    delete meta.userEmptyExplicitAt;
    if(meta.seedState==='empty-by-user')meta.seedState=seeded?'seeded':'empty';
    meta.moduleVersion=currentModuleVersion||meta.moduleVersion;
    if(legacyUninitializedEmpty) meta.rrspInitialized=true;
  }
  return {
    txns:useSeedFallback?clone(base.txns):(Array.isArray(src.txns)?clone(src.txns):clone(base.txns)),
    annual:useSeedFallback?clone(base.annual):(Array.isArray(src.annual)?clone(src.annual):clone(base.annual)),
    receipts:useSeedFallback?clone(base.receipts):(Array.isArray(src.receipts)?clone(src.receipts):clone(base.receipts)),
    meta,
    intentionalEmpty:explicitUserEmpty && !useSeedFallback
  };
}
function normalizeRrspType(value){
  const s=String(value||'').trim().toLowerCase();
  if(!s)return 'Contribution';
  if(s==='contribution')return 'Contribution';
  if(s==='first 60 contribution'||s==='first60 contribution'||s==='first 60 days contribution'||s==='first-60 contribution')return 'First 60 Contribution';
  if(s==='institutional transfer in'||s==='transfer in')return 'Institutional Transfer In';
  if(s==='institutional transfer out'||s==='transfer out')return 'Institutional Transfer Out';
  if(s==='withdrawal')return 'Withdrawal';
  if(s==='adjustment')return 'Adjustment';
  return String(value||'Contribution').trim();
}
function rrspTypeMeta(type){
  const t=normalizeRrspType(type);
  if(t==='Contribution')return {pill:'pill-rrsp',amountClass:'green',label:'Contribution',fullLabel:t};
  if(t==='First 60 Contribution')return {pill:'pill-rrsp',amountClass:'green',label:'First 60',fullLabel:t};
  if(t==='Institutional Transfer In')return {pill:'pill-rrsp',amountClass:'blue',label:'Transfer In',fullLabel:t};
  if(t==='Institutional Transfer Out')return {pill:'pill-rrsp',amountClass:'blue',label:'Transfer Out',fullLabel:t};
  if(t==='Withdrawal')return {pill:'pill-rrsp',amountClass:'red',label:'Withdraw',fullLabel:t};
  return {pill:'pill-rrsp',amountClass:'gold',label:t,fullLabel:t};
}
function getRrspWindowLabel(v){
  if(v==='regular_year')return 'Regular year';
  if(v==='first_60_days')return 'First 60 days';
  if(v==='not_applicable')return 'N/A';
  return String(v||'—');
}

function getRrspSourceLabel(t){
  const sourceType=String((t&&t.sourceType)||'').trim();
  if(sourceType==='rrsp_cra_doc')return 'CRA RRSP doc';
  if(sourceType==='imported_csv')return 'Imported CSV';
  if(sourceType==='manual')return 'Manual';
  if(sourceType)return sourceType.replace(/_/g,' ');
  if(String((t&&t.roomEffect)||'')==='room_neutral')return 'Transfer / manual';
  return 'Manual';
}

function getRrspRoomEffectLabel(v){
  if(v==='consumes_room')return 'Consumes room';
  if(v==='room_neutral')return 'Room-neutral';
  if(v==='asset_only')return 'Asset only';
  return String(v||'—');
}

// ─── Initial Seeded Data ───
const INIT_T=[
["2022-01-14", "Maple Bank", "TFSA-DEMO-01", "C", 1800],
["2022-03-11", "Maple Bank", "TFSA-DEMO-01", "C", 950],
["2022-05-27", "Maple Bank", "TFSA-DEMO-01", "C", 1250],
["2022-09-09", "Maple Bank", "TFSA-DEMO-01", "W", 600],
["2022-11-18", "Maple Bank", "TFSA-DEMO-01", "C", 700],
["2023-01-12", "Maple Bank", "TFSA-DEMO-01", "C", 2500],
["2023-02-24", "Maple Bank", "TFSA-DEMO-01", "C", 900],
["2023-04-07", "Maple Bank", "TFSA-DEMO-01", "C", 1200],
["2023-06-16", "Maple Bank", "TFSA-DEMO-01", "W", 350],
["2023-09-15", "Maple Bank", "TFSA-DEMO-01", "W", 400],
["2023-11-10", "Maple Bank", "TFSA-DEMO-01", "C", 650],
["2024-01-19", "Headroom Invest", "TFSA-DEMO-02", "C", 2200],
["2024-02-20", "Headroom Invest", "TFSA-DEMO-02", "C", 3000],
["2024-04-12", "Headroom Invest", "TFSA-DEMO-02", "C", 850],
["2024-05-10", "Headroom Invest", "TFSA-DEMO-02", "C", 1800],
["2024-07-26", "Headroom Invest", "TFSA-DEMO-02", "W", 500],
["2024-09-13", "Headroom Invest", "TFSA-DEMO-02", "C", 725],
["2024-11-01", "Headroom Invest", "TFSA-DEMO-02", "W", 950],
["2024-11-15", "Headroom Invest", "TFSA-DEMO-02", "C", 900],
["2024-12-06", "Headroom Invest", "TFSA-DEMO-02", "C", 400],
["2024-12-13", "Headroom Invest", "TFSA-DEMO-02", "C", 1200],
["2025-01-08", "Demo Brokerage", "TFSA-DEMO-03", "C", 4200],
["2025-02-14", "Demo Brokerage", "TFSA-DEMO-03", "C", 650],
["2025-03-21", "Demo Brokerage", "TFSA-DEMO-03", "C", 950],
["2025-05-30", "Demo Brokerage", "TFSA-DEMO-03", "W", 600],
["2025-07-11", "Demo Brokerage", "TFSA-DEMO-03", "C", 1100],
["2025-08-29", "Demo Brokerage", "TFSA-DEMO-03", "W", 1200],
["2025-10-17", "Demo Brokerage", "TFSA-DEMO-03", "C", 500],
["2025-12-05", "Demo Brokerage", "TFSA-DEMO-03", "C", 450],
["2026-01-10", "Summit Direct", "TFSA-DEMO-04", "C", 600],
["2026-02-14", "Summit Direct", "TFSA-DEMO-04", "C", 425],
["2026-03-07", "Summit Direct", "TFSA-DEMO-04", "C", 500],
["2026-04-18", "Summit Direct", "TFSA-DEMO-04", "W", 250],
["2026-05-22", "Summit Direct", "TFSA-DEMO-04", "C", 375],
["2026-07-10", "Summit Direct", "TFSA-DEMO-04", "C", 425],
["2026-09-04", "Summit Direct", "TFSA-DEMO-04", "W", 300]
];

const INIT_F=[
["2023-01-20", "Maple Bank", "FHSA-DEMO-01", 2000],
["2023-04-14", "Maple Bank", "FHSA-DEMO-01", 1500],
["2023-07-21", "Maple Bank", "FHSA-DEMO-01", 2250],
["2023-11-24", "Maple Bank", "FHSA-DEMO-01", 2250],
["2024-01-26", "Maple Bank", "FHSA-DEMO-01", 1000],
["2024-02-23", "Maple Bank", "FHSA-DEMO-01", 1000],
["2024-03-22", "Maple Bank", "FHSA-DEMO-01", 850],
["2024-04-19", "Maple Bank", "FHSA-DEMO-01", 900],
["2024-05-24", "Maple Bank", "FHSA-DEMO-01", 1100],
["2024-06-21", "Maple Bank", "FHSA-DEMO-01", 1200],
["2024-08-16", "Maple Bank", "FHSA-DEMO-01", 750],
["2024-09-20", "Maple Bank", "FHSA-DEMO-01", 800],
["2024-10-18", "Maple Bank", "FHSA-DEMO-01", 450],
["2024-11-22", "Maple Bank", "FHSA-DEMO-01", 400],
["2025-01-10", "Headroom Invest", "FHSA-DEMO-02", 1200],
["2025-03-14", "Headroom Invest", "FHSA-DEMO-02", 900],
["2025-05-09", "Headroom Invest", "FHSA-DEMO-02", 1000],
["2025-06-18", "Headroom Invest", "FHSA-DEMO-02", 850],
["2025-07-19", "Headroom Invest", "FHSA-DEMO-02", "FHSA Direct Transfer Out", 600],
["2025-07-19", "Headroom Invest", "FHSA-DEMO-USD", "FHSA Direct Transfer In", 600],
["2025-08-22", "Headroom Invest", "FHSA-DEMO-02", 700],
["2025-09-26", "Headroom Invest", "FHSA-DEMO-02", 600],
["2025-11-07", "Headroom Invest", "FHSA-DEMO-02", 500],
["2025-12-12", "Headroom Invest", "FHSA-DEMO-02", 450],
["2026-01-25", "Demo Brokerage", "FHSA-DEMO-03", 500],
["2026-03-12", "Demo Brokerage", "FHSA-DEMO-03", 450],
["2026-05-16", "Demo Brokerage", "FHSA-DEMO-03", 400],
["2026-07-18", "Demo Brokerage", "FHSA-DEMO-03", 350]
];

function expandT(arr){return arr.map((a,i)=>({id:'TFSA-SEED-'+String(i+1).padStart(5,'0'),seq:i+1,d:a[0],inst:a[1],acct:a[2],type:a[3]==='C'?'Contribution':a[3]==='W'?'Withdrawal':a[3],amt:a[4],treat:'Include',note:''}))}
function expandF(arr){
  return arr.map((a,i)=>({
    id:'FHSA-SEED-'+String(i+1).padStart(5,'0'),
    seq:i+1,
    d:a[0],
    inst:a[1],
    acct:a[2],
    type:a.length>=5?normalizeFhsaType(a[3]):'Contribution',
    status:'Include',
    amt:a.length>=5?a[4]:a[3],
    note:''
  }))
}

// ─── State ───
let tT=[], fT=[], rT=[];
let rrspYears=[], rrspReceipts=[], rrspMeta=clone(DEFAULT_RRSP_META);
let trackerConfig = clone(CONFIG_DEFAULTS);
let uiPrefs = clone(UI_DEFAULTS);
let txnFilters = {TFSA:'all', FHSA:'all', RRSP:'all', tfsaPg:0, fhsaPg:0, rrspPg:0};
let txnSearch = {TFSA:'', FHSA:'', RRSP:''};
let txnAdvancedFilters = {TFSA:{from:'',to:'',min:'',max:''}, FHSA:{from:'',to:'',min:'',max:''}, RRSP:{from:'',to:'',min:'',max:''}};
let selectedTxnRow = {TFSA:-1, FHSA:-1, RRSP:-1};
let importBusyState = {active:false,message:''};
let curView = 'dashboard';
let modalPlan = '';
let editingIndex = -1; // -1 = adding, >=0 = editing
let undoStack = [];     // for undo
let _cachedSelfTest = null; // cache self-test results
let _isDarkTheme = true;
let _loadWarnings = []; // surfaced after successful boot
let importSourceBuffer = {name:'',text:'',meta:null,files:[]};
let importSession = null;

let _deferredInstallPrompt=null;
let _pwaReg=null;
let _pwaState={supported:typeof navigator!=='undefined'&&'serviceWorker'in navigator,localFile:typeof location!=='undefined'&&location.protocol==='file:',online:typeof navigator!=='undefined'?navigator.onLine:true,registered:false,controller:false,installReady:false,installed:false,lastError:'',scope:''};
if(typeof window!=='undefined'){
  window.addEventListener('beforeinstallprompt',e=>{
    e.preventDefault();
    _deferredInstallPrompt=e;
    _pwaState.installReady=true;
    if(typeof render==='function'&&document.readyState!=='loading'){try{render()}catch(_){}}
  });
  window.addEventListener('appinstalled',()=>{
    _deferredInstallPrompt=null;
    _pwaState.installReady=false;
    _pwaState.installed=true;
    if(typeof showToast==='function')showToast('Tracker installed for quicker access.',null,2800);
    if(typeof render==='function'&&document.readyState!=='loading'){try{render()}catch(_){}}
  });
  window.addEventListener('online',()=>{_pwaState.online=true;if(typeof render==='function'&&document.readyState!=='loading'&&curView==='dashboard'){try{render()}catch(_){}}});
  window.addEventListener('offline',()=>{_pwaState.online=false;if(typeof render==='function'&&document.readyState!=='loading'&&curView==='dashboard'){try{render()}catch(_){}}});
  if(_pwaState.supported&&navigator.serviceWorker){
    navigator.serviceWorker.addEventListener('controllerchange',()=>{_pwaState.controller=true;if(typeof render==='function'&&document.readyState!=='loading'&&curView==='dashboard'){try{render()}catch(_){}}});
  }
}
async function registerPwaSupport(){
  if(!_pwaState.supported)return;
  if(_pwaState.localFile){_pwaState.lastError='Offline install activates after hosting on HTTPS or localhost. Local file mode still works, but service-worker caching is unavailable.';return;}
  try{
    _pwaReg=await navigator.serviceWorker.register('./roommap_demo_sw.js');
    _pwaState.registered=true;
    _pwaState.controller=!!navigator.serviceWorker.controller;
    _pwaState.scope=_pwaReg&&_pwaReg.scope?_pwaReg.scope:'';
    _pwaState.lastError='';
    if(typeof render==='function'&&document.readyState!=='loading'&&curView==='dashboard'){try{render()}catch(_){}}
  }catch(e){
    _pwaState.lastError=String((e&&e.message)||e||'PWA registration failed.');
    if(typeof render==='function'&&document.readyState!=='loading'&&curView==='dashboard'){try{render()}catch(_){}}
  }
}
async function promptInstallPwa(){
  if(_pwaState.localFile){if(typeof showToast==='function')showToast('Install prompts are available on the hosted HTTPS version, not file://.',null,3600);return;}
  if(!_deferredInstallPrompt){if(typeof showToast==='function')showToast('Install prompt not available yet. Open the hosted page in Chrome or Edge and interact with it once first.',null,4200);return;}
  try{
    _deferredInstallPrompt.prompt();
    await _deferredInstallPrompt.userChoice.catch(()=>null);
  }catch(e){
    if(typeof showToast==='function')showToast('Could not open the install prompt.',null,3200);
  }
}
async function refreshOfflineCache(){
  if(_pwaState.localFile){if(typeof showToast==='function')showToast('Offline cache refresh is available on the hosted HTTPS version.',null,3400);return;}
  try{
    const reg=_pwaReg||await navigator.serviceWorker.getRegistration();
    if(!reg){if(typeof showToast==='function')showToast('No service-worker registration found yet.',null,3200);return;}
    await reg.update();
    if(reg.active)reg.active.postMessage({type:'refresh-cache'});
    if(typeof showToast==='function')showToast('Offline cache refresh requested.',null,2600);
  }catch(e){
    if(typeof showToast==='function')showToast('Could not refresh the offline cache.',null,3200);
  }
}
function buildPwaPanel(){
  const s=_pwaState||{};
  const statusText=!s.supported?'Unsupported browser':s.localFile?'Local file mode':(s.registered?'Offline-ready shell active':'Hosted mode detected');
  const statusClass=!s.supported?'warn':s.localFile?'warn':(s.registered?'ok':'neutral');
  const detail=s.lastError?escapeHtml(s.lastError):(s.scope?`Service-worker scope: <b>${escapeHtml(s.scope)}</b>.`:(s.localFile?'Open this same tracker from a hosted HTTPS URL to enable install and offline caching.':'Hosted mode detected. If offline support is not active yet, make sure the matching <b>service worker</b>, <b>manifest</b>, and the icon files are deployed in the same folder as this HTML.'));
  return `<div class="panel mt-lg pwa-panel"><div class="panel-head"><div><h3 class="panel-title">Offline / Install Hardening</h3><div class="panel-sub">For GitHub Pages or any HTTPS deployment. Keep the HTML, manifest, service worker, and icons together in the same hosted folder.</div></div><div class="panel-head-actions">${s.installReady?'<button type="button" onclick="promptInstallPwa()">Install App</button>':''}${s.supported&&!s.localFile?'<button type="button" onclick="refreshOfflineCache()">Refresh Offline Cache</button>':''}</div></div><div class="pwa-status-row"><span class="status-pill ${statusClass}">${statusText}</span><span class="status-pill ${s.online?'ok':'warn'}">${s.online?'Online':'Offline'}</span>${s.registered?'<span class="status-pill ok">Service worker registered</span>':''}${s.installed?'<span class="status-pill ok">Installed</span>':''}</div><div class="pwa-note">${detail}</div><div class="pwa-note" style="margin-top:8px">Local <b>file://</b> usage still works as a normal HTML tracker. PWA install and offline caching become active after you publish the files to <b>localhost</b> or any <b>HTTPS</b> host such as GitHub Pages.</div></div>`;
}


// ─── Utilities ───

function clone(obj){return JSON.parse(JSON.stringify(obj))}
function cloneConfig(config){
  const cfg=config||{};
  return Object.assign(clone(CONFIG_DEFAULTS),cfg,{tfsaAnnualLimits:Object.assign(clone(CONFIG_DEFAULTS.tfsaAnnualLimits),(cfg&&cfg.tfsaAnnualLimits)||{})});
}
function clonePrefs(prefs){
  return Object.assign(clone(UI_DEFAULTS),prefs||{});
}
function hasCustomBaseline(bundle){
  return !!(bundle&&bundle.customBaseline&&typeof bundle.customBaseline==='object'&&Array.isArray(bundle.customBaseline.t)&&Array.isArray(bundle.customBaseline.f));
}
function normalizeBaselineSnapshot(snapshot,id){
  if(!snapshot||typeof snapshot!=='object')return null;
  const normalized=normalizeProfileBundle(Object.assign({},snapshot,{customBaseline:null}),id);
  delete normalized.customBaseline;
  return {label:normalized.label,t:clone(normalized.t),f:clone(normalized.f),rrsp:clone(normalized.rrsp),config:cloneConfig(normalized.config),prefs:clonePrefs(normalized.prefs),resetMode:'baseline'};
}
function sanitizePrefsForBaseline(prefs){
  const out=clonePrefs(prefs);
  out.demoSeedActive=false;
  out.postImportNotice=null;
  return out;
}
function buildCurrentProfileBaselineSnapshot(activeId,labelOverride){
  return {label:labelOverride||getActiveProfileLabel(),t:clone(tT),f:clone(fT),rrsp:{txns:clone(rT),annual:clone(rrspYears),receipts:clone(rrspReceipts),meta:clone(rrspMeta)},config:cloneConfig(trackerConfig),prefs:sanitizePrefsForBaseline(uiPrefs),resetMode:'baseline'};
}
function activeProfileHasLedgerData(){
  return !!(tT.length||fT.length||rT.length||rrspYears.length||rrspReceipts.length);
}
function clearDemoModeForActiveProfile(){
  if(Object.prototype.hasOwnProperty.call(uiPrefs,'demoSeedActive')) uiPrefs.demoSeedActive=false;
  if(profileState&&profileState.profiles){
    const active=profileState.active||'p1';
    const current=profileState.profiles[active];
    if(current&&current.prefs){ current.prefs=clonePrefs(current.prefs); current.prefs.demoSeedActive=false; }
  }
}
const SECOND_PROFILE_LABEL='Profile 2';
let profileState=null;
function makeEmptyProfileBundle(label){
  const prefs=clonePrefs();
  if(Object.prototype.hasOwnProperty.call(prefs,'demoSeedActive'))prefs.demoSeedActive=false;
  if(prefs&&prefs.craSnapshots)prefs.craSnapshots={tfsa:null,fhsa:null};
  return {label:label||SECOND_PROFILE_LABEL,t:[],f:[],rrsp:makeEmptyRrspState(),config:cloneConfig(),prefs,resetMode:'empty',customBaseline:null};
}
function makeSeedProfileBundle(label){
  const prefs=clonePrefs();
  if(Object.prototype.hasOwnProperty.call(prefs,'demoSeedActive')) prefs.demoSeedActive=true;
  return {label:label||'Demo Profile',t:expandT(INIT_T),f:expandF(INIT_F),rrsp:cloneRrspSeed(),config:cloneConfig(),prefs,resetMode:'seeded',customBaseline:null};
}
function normalizeProfileBundle(bundle,id){
  const fallback=id==='p1'?makeSeedProfileBundle((bundle&&bundle.label)||'Profile 1'):makeEmptyProfileBundle((bundle&&bundle.label)||SECOND_PROFILE_LABEL);
  const sourcePrefs=bundle&&bundle.prefs&&typeof bundle.prefs==='object'?bundle.prefs:null;
  const sourceHasDemoSeedActive=!!(sourcePrefs&&Object.prototype.hasOwnProperty.call(sourcePrefs,'demoSeedActive'));
  const out={
    label:(bundle&&bundle.label)||fallback.label,
    t:Array.isArray(bundle&&bundle.t)?bundle.t:fallback.t,
    f:Array.isArray(bundle&&bundle.f)?bundle.f:fallback.f,
    rrsp:normalizeRrspState(bundle&&bundle.rrsp, id==='p1'),
    config:bundle&&bundle.config?cloneConfig(bundle.config):fallback.config,
    prefs:bundle&&bundle.prefs?clonePrefs(bundle.prefs):fallback.prefs,
    resetMode:(bundle&&bundle.resetMode)||fallback.resetMode,
    customBaseline:normalizeBaselineSnapshot(bundle&&bundle.customBaseline,id)
  };
  const rrspVersion=String((out.rrsp&&out.rrsp.meta&&out.rrsp.meta.moduleVersion)||'');
  const rrspExplicitUserEmpty=!!(out.rrsp&&out.rrsp.meta&&out.rrsp.meta.userEmptyExplicitVersion===RRSP_EMPTY_EXPLICIT_VERSION&&rrspVersion===String((DEFAULT_RRSP_META&&DEFAULT_RRSP_META.moduleVersion)||'')&&out.rrsp.intentionalEmpty===true);
  const legacySeededProfile=id==='p1' && !rrspStateHasData(out.rrsp) && (out.t.length>0 || out.f.length>0 || out.resetMode==='seeded') && !rrspExplicitUserEmpty;
  if(legacySeededProfile){
    out.rrsp=cloneRrspSeed();
    out.rrsp.meta.moduleVersion=DEFAULT_RRSP_META.moduleVersion;
    out.rrsp.meta.seedState='seeded';
    out.rrsp.intentionalEmpty=false;
    if(out.resetMode!=='seeded')out.resetMode='seeded';
  }
  if(id==='p1' && !sourceHasDemoSeedActive && out.resetMode==='seeded' && !hasCustomBaseline(out)) out.prefs.demoSeedActive=true;
  if(Object.prototype.hasOwnProperty.call(out.prefs,'demoSeedActive') && id!=='p1') out.prefs.demoSeedActive=false;
  return out;
}
function buildInitialProfileStateFromCurrent(){
  return {
    active:'p1',
    profiles:{
      p1:normalizeProfileBundle({label:'Demo Profile',t:clone(tT),f:clone(fT),rrsp:{txns:clone(rT),annual:clone(rrspYears),receipts:clone(rrspReceipts),meta:clone(rrspMeta)},config:cloneConfig(trackerConfig),prefs:clonePrefs(uiPrefs),resetMode:'seeded',customBaseline:null},'p1'),
      p2:makeEmptyProfileBundle(SECOND_PROFILE_LABEL)
    }
  };
}
function ensureProfileState(){
  if(!profileState||!profileState.profiles){
    profileState=buildInitialProfileStateFromCurrent();
  }
  profileState.profiles.p1=normalizeProfileBundle(profileState.profiles.p1,'p1');
  profileState.profiles.p2=normalizeProfileBundle(profileState.profiles.p2,'p2');
  if(!['p1','p2'].includes(profileState.active))profileState.active='p1';
}
function captureCurrentProfile(){
  ensureProfileState();
  const active=profileState.active||'p1';
  const existing=profileState.profiles[active]||normalizeProfileBundle(null,active);
  profileState.profiles[active]={
    label:existing.label|| (active==='p1'?'Profile 1':SECOND_PROFILE_LABEL),
    t:clone(tT),
    f:clone(fT),
    rrsp:{txns:clone(rT),annual:clone(rrspYears),receipts:clone(rrspReceipts),meta:clone(rrspMeta)},
    config:cloneConfig(trackerConfig),
    prefs:clonePrefs(uiPrefs),
    resetMode:existing.resetMode||(active==='p1'?'seeded':'empty'),
    customBaseline:normalizeBaselineSnapshot(existing.customBaseline,active)
  };
}
function applyProfileBundle(id){
  ensureProfileState();
  const bundle=normalizeProfileBundle(profileState.profiles[id],id);
  profileState.profiles[id]=bundle;
  profileState.active=id;
  tT=clone(bundle.t);
  fT=clone(bundle.f);
  rT=clone((bundle.rrsp&&bundle.rrsp.txns)||[]);
  rrspYears=clone((bundle.rrsp&&bundle.rrsp.annual)||[]);
  rrspReceipts=clone((bundle.rrsp&&bundle.rrsp.receipts)||[]);
  rrspMeta=Object.assign(clone(DEFAULT_RRSP_META),(bundle.rrsp&&bundle.rrsp.meta)||{});
  trackerConfig=cloneConfig(bundle.config);
  uiPrefs=clonePrefs(bundle.prefs);
  importSession=null;
  importSourceBuffer={name:'',text:'',meta:null,files:[]};
  seedNormalizedData();
  _cachedSelfTest=null;
}
function switchProfile(id){
  ensureProfileState();
  if(id===profileState.active)return;
  undoStack=[];
  captureCurrentProfile();
  applyProfileBundle(id);
  save();
  render();
  showToast(`Switched to ${profileState.profiles[id].label}.`,null,2400);
}
function getActiveProfileLabel(){
  ensureProfileState();
  return (profileState.profiles[profileState.active]&&profileState.profiles[profileState.active].label)||'Profile';
}
function updateProfileBar(){
  ensureProfileState();
  const p1=profileState.profiles.p1||normalizeProfileBundle(null,'p1');
  const p2=profileState.profiles.p2||normalizeProfileBundle(null,'p2');
  const sel=document.getElementById('profile-select');
  const chip=document.querySelector('.profile-chip');
  if(sel){
    const active=profileState.active||'p1';
    sel.innerHTML=`<option value="p1">${escapeHtml(p1.label||'Demo Profile')}</option><option value="p2">${escapeHtml(p2.label||SECOND_PROFILE_LABEL)}</option>`;
    sel.value=['p1','p2'].includes(active)?active:'p1';
    sel.title=`Active profile: ${getActiveProfileLabel()}.`;
  }
  if(chip){
    const label=getActiveProfileLabel();
    chip.textContent='Profile';
    chip.title=`Active profile: ${label}`;
    chip.setAttribute('aria-label',`Active profile: ${label}`);
  }
}
function onProfileSelectChange(value){
  switchProfile(value);
}
function renameActiveProfile(){
  ensureProfileState();
  const active=profileState.active||'p1';
  const current=profileState.profiles[active]||normalizeProfileBundle(null,active);
  const next=prompt('Rename this profile:', current.label||'');
  if(next===null)return;
  const cleaned=String(next||'').trim().slice(0,40);
  if(!cleaned){ alert('Profile name cannot be empty.'); return; }
  current.label=cleaned;
  profileState.profiles[active]=current;
  save();
  updateProfileBar();
  render();
  showToast(`Renamed profile to ${cleaned}.`,null,2200);
}
function getResetSeedForCurrentProfile(){
  ensureProfileState();
  const active=profileState.active||'p1';
  const current=profileState.profiles[active]||normalizeProfileBundle(null,active);
  if(active==='p1'){
    if(hasCustomBaseline(current)){
      const baseline=normalizeBaselineSnapshot(current.customBaseline,active);
      baseline.label=current.label||baseline.label||'Profile 1';
      baseline.resetMode='baseline';
      return baseline;
    }
    return makeSeedProfileBundle(current.label||'Demo Profile');
  }
  return makeEmptyProfileBundle(current.label||SECOND_PROFILE_LABEL);
}
function setCurrentAsBaseline(){
  ensureProfileState();
  const active=profileState.active||'p1';
  if(active!=='p1'){ alert('A saved baseline is only supported for Profile 1 in this demo build.'); return; }
  if(!activeProfileHasLedgerData()){ alert('Load or enter data first, then save the current state as the baseline.'); return; }
  const current=profileState.profiles[active]||normalizeProfileBundle(null,active);
  const hasBaseline=hasCustomBaseline(current);
  const msg=hasBaseline
    ? 'Replace the saved reset baseline for this profile with the current data?\n\nFuture Reset actions will restore this current state instead of the factory demo.'
    : 'Save the current data as this profile\'s reset baseline?\n\nFuture Reset actions will restore this current state instead of the factory demo.';
  if(!confirm(msg)) return;
  if(typeof clearDemoModeForActiveProfile==='function')clearDemoModeForActiveProfile();
  const snapshot=buildCurrentProfileBaselineSnapshot(active,current.label||getActiveProfileLabel());
  current.customBaseline=normalizeBaselineSnapshot(snapshot,active);
  current.resetMode='baseline';
  current.prefs=clonePrefs(uiPrefs);
  current.prefs.demoSeedActive=false;
  profileState.profiles[active]=current;
  appendActivityLog({kind:'baseline_save'});
  save(); render();
  showToast('Saved current data as the reset baseline.', null, 2600);
}
function restoreFactoryDemo(){
  ensureProfileState();
  const active=profileState.active||'p1';
  if(active!=='p1'){ alert('Factory demo restore is only available for Profile 1 in this demo build.'); return; }
  const current=profileState.profiles[active]||normalizeProfileBundle(null,active);
  const hasBaseline=hasCustomBaseline(current);
  const msg=hasBaseline
    ? 'Load the factory demo data for this profile?\n\nYour saved personal baseline will be kept. Use Reset later to restore your saved baseline.'
    : 'Load the factory demo data for this profile?\n\nThis will replace the current local state with the bundled demo examples.';
  if(!confirm(msg)) return;
  const restored=makeSeedProfileBundle(current.label||'Demo Profile');
  restored.customBaseline=normalizeBaselineSnapshot(current.customBaseline,active);
  restored.resetMode=hasBaseline?'baseline':'seeded';
  profileState.profiles[active]=restored;
  applyProfileBundle(active);
  appendActivityLog({kind:'factory_demo_restore'});
  save(); render();
  showToast('Factory demo restored.', null, 2400);
}
function safeNum(v){const n=Number(v); return Number.isFinite(n)?n:0}
function parseIsoDate(v){
  const s=String(v||'').trim();
  const m=/^(\d{4})-(\d{2})-(\d{2})$/.exec(s);
  if(!m)return null;
  const y=+m[1], mo=+m[2], d=+m[3];
  const dt=new Date(Date.UTC(y,mo-1,d));
  if(dt.getUTCFullYear()!==y||dt.getUTCMonth()!==mo-1||dt.getUTCDate()!==d)return null;
  return {y,m:mo,d,iso:s,date:dt};
}
function isRealIsoDate(v){return !!parseIsoDate(v)}
function actualCalendarYear(){return new Date().getFullYear()}
function getCurrentYear(){return Math.max(2009,+trackerConfig.currentYear||actualCalendarYear())}
function getProjectionEndYear(){return Math.max(getCurrentYear(), getLatestLoadedYear())}
function getTfsaStartYear(){return +trackerConfig.tfsaEligibleStartYear||2009}
function getFhsaStartYear(){return +trackerConfig.fhsaFirstYear||2023}
function getTfsaLimits(){return trackerConfig.tfsaAnnualLimits||clone(CONFIG_DEFAULTS.tfsaAnnualLimits)}
function getLatestLoadedYear(){
  let max=actualCalendarYear();
  tT.forEach(t=>{const parsed=parseIsoDate(t.d);if(parsed&&parsed.y>max)max=parsed.y});
  fT.forEach(t=>{const parsed=parseIsoDate(t.d);if(parsed&&parsed.y>max)max=parsed.y});
  return max;
}
function currentMonthSlotsRemaining(cy){return cy===actualCalendarYear()?Math.max(1,12-new Date().getMonth()):12}
function monthKey(d){return String(d||'').slice(0,7)}
function escAttr(v){return String(v??'').replace(/&/g,'&amp;').replace(/"/g,'&quot;').replace(/</g,'&lt;').replace(/>/g,'&gt;')}
const F=n=>'$'+Math.abs(n||0).toLocaleString('en-CA',{minimumFractionDigits:2,maximumFractionDigits:2});
const OFFICIAL_TFSA_YEARS=new Set(Object.keys(OFFICIAL_TFSA_LIMITS).map(Number));
let _txnSeqSeed=1;

function resetTxnSeqSeed(){_txnSeqSeed=1}
function nextTxnSeq(){return _txnSeqSeed++}
function makeTxnId(plan,seq){return `${plan}-${String(seq).padStart(6,'0')}`}
function ensureTxnIdentity(plan,txn,fallbackSeq){
  const out=Object.assign({},txn||{});
  const seqCandidate=Math.floor(safeNum(out.seq||fallbackSeq||0));
  const seq=seqCandidate>0?seqCandidate:nextTxnSeq();
  _txnSeqSeed=Math.max(_txnSeqSeed,seq+1);
  out.seq=seq;
  out.id=String(out.id||makeTxnId(plan,seq));
  return out;
}
function sortTxnsAsc(a,b){return String(a.d||'').localeCompare(String(b.d||''))||safeNum(a.seq)-safeNum(b.seq)||String(a.id||'').localeCompare(String(b.id||''))}
function sortTxnsDesc(a,b){return String(b.d||'').localeCompare(String(a.d||''))||safeNum(b.seq)-safeNum(a.seq)||String(b.id||'').localeCompare(String(a.id||''))}
function simpleChecksum(obj){
  const s=typeof obj==='string'?obj:JSON.stringify(obj);
  let h=0;
  for(let i=0;i<s.length;i++){h=((h<<5)-h+s.charCodeAt(i))|0}
  return 'chk-'+(h>>>0).toString(16);
}
function downloadTextFile(filename,text,type){
  const blob=new Blob([text],{type:type||'text/plain;charset=utf-8'});
  const u=URL.createObjectURL(blob),a=document.createElement('a');
  a.href=u;a.download=filename;a.click();URL.revokeObjectURL(u);
}
function toCSV(rows){
  const esc=v=>{const s=String(v??'');return /[",\n]/.test(s)?'"'+s.replace(/"/g,'""')+'"':s};
  return rows.map(r=>r.map(esc).join(',')).join('\n');
}
function downloadCsvRows(filename,rows){downloadTextFile(filename,toCSV(rows),'text/csv;charset=utf-8')}
function todayISO(){return new Date().toISOString().split('T')[0]}
function slugifyFilePart(v){return String(v||'profile').trim().toLowerCase().replace(/[^a-z0-9]+/g,'-').replace(/^-+|-+$/g,'')||'profile'}
function summarizeTxnChanges(oldTxn,newTxn,plan){
  if(!oldTxn||!newTxn)return '';
  const bits=[];
  const flagKey=plan==='TFSA'?'treat':'status';
  const labels={d:'date',inst:'institution',acct:'account',type:'type',amt:'amount',note:'note'};
  ['d','inst','acct','type','amt','note'].forEach(key=>{
    const a=key==='amt'?safeNum(oldTxn[key]):String(oldTxn[key]||'');
    const b=key==='amt'?safeNum(newTxn[key]):String(newTxn[key]||'');
    if(key==='amt' ? Math.abs(a-b)>0.005 : a!==b){
      const from=key==='amt'?F(a):(a||'—');
      const to=key==='amt'?F(b):(b||'—');
      bits.push(`${labels[key]} ${from} → ${to}`);
    }
  });
  const fa=normalizeFlag(oldTxn[flagKey],'Include');
  const fb=normalizeFlag(newTxn[flagKey],'Include');
  if(fa!==fb)bits.push(`${plan==='TFSA'?'treatment':'status'} ${fa} → ${fb}`);
  return bits.join(' • ');
}

function formatDateTime(ts){
  if(!ts)return '—';
  const d=new Date(ts);
  if(Number.isNaN(+d))return '—';
  return d.toLocaleString(undefined,{year:'numeric',month:'short',day:'numeric',hour:'numeric',minute:'2-digit'});
}
function setImportBusy(active,msg){
  importBusyState={active:!!active,message:String(msg||'').trim()};
  const el=document.getElementById('import-busy');
  const analyzeBtn=document.getElementById('import-analyze-btn');
  const commitBtn=document.getElementById('import-commit-btn');
  if(el){
    if(importBusyState.active){
      el.classList.remove('hidden');
      el.innerHTML=`<div class="spinner" aria-hidden="true"></div><div><b>${escapeHtml(importBusyState.message||'Working…')}</b><div class="dim">Large PDFs and spreadsheets can take a moment. Keep this tab open until parsing finishes.</div></div>`;
    }else{
      el.classList.add('hidden');
      el.innerHTML='';
    }
  }
  if(analyzeBtn)analyzeBtn.disabled=importBusyState.active;
  if(commitBtn&&importBusyState.active)commitBtn.disabled=true;
}
function getTxnFilterState(plan){
  if(!txnAdvancedFilters[plan])txnAdvancedFilters[plan]={from:'',to:'',min:'',max:''};
  return txnAdvancedFilters[plan];
}
function setTxnFilter(plan,key,val){
  const state=getTxnFilterState(plan);
  state[key]=String(val??'');
  txnFilters[plan.toLowerCase()+'Pg']=0;
  renderFilteredTxns(plan);
}
function clearTxnFilters(plan){
  txnSearch[plan]='';
  txnAdvancedFilters[plan]={from:'',to:'',min:'',max:''};
  txnFilters[plan.toLowerCase()+'Pg']=0;
  const ids=['search','from','to','min','max'];
  ids.forEach(id=>{
    const el=document.getElementById(`${plan.toLowerCase()}-filter-${id}`);
    if(el)el.value='';
  });
  renderFilteredTxns(plan);
}
function getTxnFilteredRows(plan){
  const txns=plan==='TFSA'?tT:plan==='FHSA'?fT:rT;
  const yr=txnFilters[plan];
  const q=(txnSearch[plan]||'').toLowerCase();
  const adv=getTxnFilterState(plan);
  const minAmt=adv.min===''?null:safeNum(adv.min);
  const maxAmt=adv.max===''?null:safeNum(adv.max);
  const from=String(adv.from||'');
  const to=String(adv.to||'');
  let filtered=[...txns].sort(sortTxnsDesc);
  if(yr!=='all')filtered=filtered.filter(t=>String(t.d||'').startsWith(yr));
  if(q)filtered=filtered.filter(t=>[t.d,t.inst,t.acct,t.type,t.note,String(t.amt)].join(' ').toLowerCase().includes(q));
  if(from)filtered=filtered.filter(t=>String(t.d||'')>=from);
  if(to)filtered=filtered.filter(t=>String(t.d||'')<=to);
  if(minAmt!==null&&!Number.isNaN(minAmt))filtered=filtered.filter(t=>safeNum(t.amt)>=minAmt-0.005);
  if(maxAmt!==null&&!Number.isNaN(maxAmt))filtered=filtered.filter(t=>safeNum(t.amt)<=maxAmt+0.005);
  return filtered;
}
function buildCombinedContributionPace(year){
  const monthly=new Array(12).fill(0);
  tT.forEach(t=>{
    if(String(t.d||'').slice(0,4)!==String(year))return;
    if(normalizeFlag(t.treat,'Include')!=='Include')return;
    if(normalizeTfsaType(t.type)!=='Contribution')return;
    const m=+String(t.d||'').slice(5,7);
    if(m>=1&&m<=12)monthly[m-1]+=safeNum(t.amt);
  });
  fT.forEach(t=>{
    if(String(t.d||'').slice(0,4)!==String(year))return;
    if(normalizeFlag(t.status,'Include')!=='Include')return;
    const meta=fhsaTypeMeta(normalizeFhsaType(t.type));
    if(meta.bucket!=='counted_inflow')return;
    const m=+String(t.d||'').slice(5,7);
    if(m>=1&&m<=12)monthly[m-1]+=safeNum(t.amt);
  });
  const cumulative=[];
  let running=0;
  monthly.forEach(v=>{running+=v; cumulative.push(running);});
  return {monthly,cumulative,total:running};
}
function appendImportHistory(entry){
  uiPrefs=uiPrefs||clonePrefs();
  const hist=Array.isArray(uiPrefs.importHistory)?uiPrefs.importHistory.slice():[];
  hist.unshift(Object.assign({ts:Date.now(),profile:getActiveProfileLabel()},entry||{}));
  uiPrefs.importHistory=hist.slice(0,20);
}

function buildImportHistoryPanel(){
  const hist=Array.isArray(uiPrefs.importHistory)?uiPrefs.importHistory:[];
  if(!hist.length)return '';
  let h='<div class="panel mt-lg"><div class="panel-head"><div><h3 class="panel-title">Import History</h3></div><div class="panel-head-actions"><button type="button" onclick="exportImportHistoryCsv()">Export CSV</button><button type="button" onclick="clearImportHistory()">Clear</button></div></div><div class="import-history-list">';
  hist.slice(0,8).forEach(item=>{
    const label=item.kind==='commit'?'Import committed':(item.kind==='snapshot'?'CRA snapshot saved':'Import analyzed');
    const parts=[];
    if(item.source)parts.push(escapeHtml(item.source));
    if(item.fileName)parts.push(escapeHtml(item.fileName));
    if(item.rows!==undefined)parts.push(`${item.rows} parsed row(s)`);
    if(item.imported!==undefined)parts.push(`${item.imported} imported`);
    if(item.skippedDuplicates!==undefined)parts.push(`${item.skippedDuplicates} duplicate(s) skipped`);
    if(item.futureWarnings)parts.push(`${item.futureWarnings} future-date warning(s)`);
    h+=`<div class="import-history-item"><div class="import-history-item-main"><div class="import-history-item-title">${label}</div><div class="import-history-item-meta">${parts.join(' • ')||'Manual activity'}</div></div><div class="import-history-item-side">${escapeHtml(item.profile||getActiveProfileLabel())}<br>${escapeHtml(formatDateTime(item.ts))}</div></div>`;
  });
  h+='</div><p class="panel-sub">Stored per profile so you can see what was analyzed and imported into the active ledger.</p></div>';
  return h;
}

function getLastSavedLabel(){
  try{
    const raw=localStorage.getItem(STORAGE_KEY);
    if(!raw) return 'Last saved locally during this session';
    const payload=JSON.parse(raw||'null');
    if(!payload||!payload.savedAt) return 'Last saved locally during this session';
    return 'Last saved '+formatDateTime(payload.savedAt);
  }catch(_){
    return 'Last saved locally during this session';
  }
}

function exportImportHistoryCsv(){
  const hist=Array.isArray(uiPrefs&&uiPrefs.importHistory)?uiPrefs.importHistory:[];
  if(!hist.length){alert('No import history to export for this profile.');return}
  const rows=[['timestamp','profile','kind','source','file_name','rows','imported','skipped_duplicates','future_warnings']];
  hist.forEach(item=>{
    rows.push([
      new Date(item.ts||Date.now()).toISOString(),
      item.profile||getActiveProfileLabel(),
      item.kind||'',
      item.source||'',
      item.fileName||'',
      item.rows!==undefined?item.rows:'',
      item.imported!==undefined?item.imported:'',
      item.skippedDuplicates!==undefined?item.skippedDuplicates:'',
      item.futureWarnings!==undefined?item.futureWarnings:''
    ]);
  });
  downloadCsvRows(`import_history_${slugifyFilePart(getActiveProfileLabel())}_${todayISO()}.csv`,rows);
}
function clearImportHistory(){
  const hist=Array.isArray(uiPrefs&&uiPrefs.importHistory)?uiPrefs.importHistory:[];
  if(!hist.length)return;
  if(!confirm('Clear the import history for the active profile?'))return;
  uiPrefs.importHistory=[];
  save(); render();
}

function appendActivityLog(entry){
  uiPrefs=uiPrefs||clonePrefs();
  const hist=Array.isArray(uiPrefs.activityLog)?uiPrefs.activityLog.slice():[];
  hist.unshift(Object.assign({ts:Date.now(),profile:getActiveProfileLabel()},entry||{}));
  uiPrefs.activityLog=hist.slice(0,30);
}

function buildActivityLogPanel(){
  const hist=Array.isArray(uiPrefs.activityLog)?uiPrefs.activityLog:[];
  if(!hist.length)return '';
  let h='<div class="panel mt-lg"><div class="panel-head"><div><h3 class="panel-title">Recent Ledger Activity</h3></div><div class="panel-head-actions"><button type="button" onclick="exportActivityLogCsv()">Export CSV</button><button type="button" onclick="clearActivityLog()">Clear</button></div></div><div class="activity-log-list">';
  hist.slice(0,8).forEach(item=>{
    const parts=[];
    let label='Manual activity';
    if(item.kind==='add')label=`Added ${item.plan||''} transaction`.trim();
    else if(item.kind==='edit')label=`Edited ${item.plan||''} transaction`.trim();
    else if(item.kind==='delete')label=`Deleted ${item.plan||''} transaction`.trim();
    else if(item.kind==='import')label='Imported parsed rows';
    else if(item.kind==='snapshot')label='Saved CRA room snapshot';
    else if(item.kind==='start_empty')label='Started empty ledger';
    else if(item.kind==='reset')label='Reset profile';
    else if(item.kind==='json_import')label='Imported JSON backup';
    if(item.date)parts.push(item.date);
    if(item.type)parts.push(item.type);
    if(item.amount!==undefined)parts.push(F(item.amount));
    if(item.fileName)parts.push(escapeHtml(item.fileName));
    if(item.rows!==undefined)parts.push(`${item.rows} parsed row(s)`);
    if(item.imported!==undefined)parts.push(`${item.imported} imported`);
    if(item.skippedDuplicates)parts.push(`${item.skippedDuplicates} duplicate(s) skipped`);
    if(item.snapshotCount)parts.push(`${item.snapshotCount} snapshot(s)`);
    if(item.mode)parts.push(item.mode==='seeded'?'seeded defaults':'empty profile');
    if(item.note)parts.push('note: '+escapeHtml(item.note));
    if(item.changeSummary)parts.push(escapeHtml(item.changeSummary));
    h+=`<div class="activity-log-item"><div class="activity-log-item-main"><div class="activity-log-item-title">${label}</div><div class="activity-log-item-meta">${parts.join(' • ')||'No extra details recorded.'}</div></div><div class="activity-log-item-side">${escapeHtml(item.profile||getActiveProfileLabel())}<br>${escapeHtml(formatDateTime(item.ts))}</div></div>`;
  });
  h+='</div><p class="panel-sub">This is a per-profile audit trail for adds, edits, deletes, resets, snapshot saves, and committed imports.</p></div>';
  return h;
}
function exportActivityLogCsv(){
  const hist=Array.isArray(uiPrefs&&uiPrefs.activityLog)?uiPrefs.activityLog:[];
  if(!hist.length){alert('No activity log to export for this profile.');return}
  const rows=[['timestamp','profile','kind','plan','date','type','amount','note','change_summary','source','file_name','rows','imported','skipped_duplicates','snapshot_count','mode']];
  hist.forEach(item=>{
    rows.push([
      new Date(item.ts||Date.now()).toISOString(),
      item.profile||getActiveProfileLabel(),
      item.kind||'',
      item.plan||'',
      item.date||'',
      item.type||'',
      item.amount!==undefined?item.amount:'',
      item.note||'',
      item.changeSummary||'',
      item.source||'',
      item.fileName||'',
      item.rows!==undefined?item.rows:'',
      item.imported!==undefined?item.imported:'',
      item.skippedDuplicates!==undefined?item.skippedDuplicates:'',
      item.snapshotCount!==undefined?item.snapshotCount:'',
      item.mode||''
    ]);
  });
  downloadCsvRows(`activity_log_${slugifyFilePart(getActiveProfileLabel())}_${todayISO()}.csv`,rows);
}
function clearActivityLog(){
  const hist=Array.isArray(uiPrefs&&uiPrefs.activityLog)?uiPrefs.activityLog:[];
  if(!hist.length)return;
  if(!confirm('Clear the activity log for the active profile?'))return;
  uiPrefs.activityLog=[];
  save(); render();
}
function buildCraReconciliationPanel(tfsa,fhsa){
  const snaps=(uiPrefs&&uiPrefs.craSnapshots)||{};
  const cards=[];
  if(snaps.tfsa&&snaps.tfsa.year){
    const year=String(snaps.tfsa.year);
    const yr=tfsa.years&&tfsa.years[year]||{};
    const ledger=safeNum(yr.openRoom);
    const cra=safeNum(snaps.tfsa.amount);
    const diff=ledger-cra;
    const state=Math.abs(diff)<=0.005?'match':(Math.abs(diff)<=250?'warn':'alert');
    cards.push(`<div class="recon-card ${state}"><div class="recon-eyebrow">TFSA snapshot • ${escapeHtml(year)}</div><div class="recon-value">${F(diff)}</div><div class="recon-detail"><b>Ledger opening room:</b> ${F(ledger)}<br><b>Saved CRA room:</b> ${F(cra)}<br><b>Delta:</b> ${diff>0?'+':''}${F(diff)}</div><div class="recon-detail" style="margin-top:8px">Compare this against CRA My Account after confirming your imported history through December 31 of the prior year.</div></div>`);
  }
  if(snaps.fhsa&&snaps.fhsa.year){
    const year=String(snaps.fhsa.year);
    const yr=fhsa.years&&fhsa.years[year]||{};
    const ledger=safeNum(yr.participationRoom);
    const cra=safeNum(snaps.fhsa.amount);
    const diff=ledger-cra;
    const state=Math.abs(diff)<=0.005?'match':(Math.abs(diff)<=250?'warn':'alert');
    cards.push(`<div class="recon-card ${state}"><div class="recon-eyebrow">FHSA snapshot • ${escapeHtml(year)}</div><div class="recon-value">${F(diff)}</div><div class="recon-detail"><b>Ledger participation room:</b> ${F(ledger)}<br><b>Saved CRA room:</b> ${F(cra)}<br><b>Delta:</b> ${diff>0?'+':''}${F(diff)}</div><div class="recon-detail" style="margin-top:8px">For FHSA, direct FHSA-to-FHSA transfers should remain room-neutral. Investigate any material drift.</div></div>`);
  }
  if(!cards.length)return '';
  return `<div class="panel mt-lg"><h3 class="panel-title">CRA Reconciliation Snapshot</h3><div class="recon-grid">${cards.join('')}</div><div class="recon-actions"><button type="button" onclick="openImportAssistant()">Import / refresh CRA source</button><button type="button" onclick="showView('annual')">Open Annual roll-forward</button></div><p class="panel-sub">Snapshots are stored per profile. TFSA compares against the opening room for the snapshot year; FHSA compares against participation room for the snapshot year.</p></div>`;
}

function buildTxnImpactText(plan,row){
  if(plan==='TFSA'){
    if(row.type==='Contribution')return 'Consumes TFSA room';
    if(row.type==='Withdrawal')return 'Creates next-year TFSA addback';
    if(row.type==='Transfer In'||row.type==='Transfer Out')return 'Room-neutral transfer';
    return 'Review classification';
  }
  const meta=fhsaTypeMeta(row.type);
  if(meta.bucket==='counted_inflow')return 'Consumes FHSA participation room';
  if(meta.bucket==='taxable_withdrawal')return 'May generate later re-participation';
  if(meta.bucket==='designated_amount')return 'Can restore lifetime room / reduce excess';
  if(meta.bucket==='excluded_transfer')return 'Room-neutral FHSA transfer';
  if(meta.bucket==='excluded_withdrawal')return 'Excluded withdrawal';
  return 'Ignored / review';
}
function buildDrillTxnTable(plan,rows){
  if(!rows.length)return '<p class="panel-sub">No included rows were found for the driver year behind this CRA snapshot.</p>';
  const shown=rows.slice(0,30);
  const body=shown.map(r=>`<tr><td>${escapeHtml(r.d||'')}</td><td>${escapeHtml(r.inst||'')}</td><td>${escapeHtml(r.acct||'')}</td><td>${escapeHtml(r.type||'')}</td><td>${escapeHtml(F(r.amt))}</td><td>${escapeHtml(buildTxnImpactText(plan,r))}</td></tr>`).join('');
  const note=rows.length>shown.length?`<div class="panel-sub" style="margin-top:8px">Showing the first ${shown.length} of ${rows.length} included driver-year row(s).</div>`:'';
  return `<div class="drill-table-wrap"><table class="mobile-stack"><thead><tr><th>Date</th><th>Institution</th><th>Account</th><th>Type</th><th>Amount</th><th>Why it matters</th></tr></thead><tbody>${body}</tbody></table></div>${note}`;
}
function buildTfsaCraDrilldown(tfsa,snapshot){
  const year=+snapshot.year||0;if(!year)return '';
  const current=tfsa.years&&tfsa.years[year]||{};
  const prior=tfsa.years&&tfsa.years[year-1]||{};
  const ledger=safeNum(current.openRoom), cra=safeNum(snapshot.amount), diff=ledger-cra;
  const state=Math.abs(diff)<=0.005?'match':(Math.abs(diff)<=250?'warn':'alert');
  const rows=tT.map(t=>({d:String(t.d||''),inst:t.inst||'',acct:t.acct||'',type:normalizeTfsaType(t.type),amt:safeNum(t.amt),treat:normalizeFlag(t.treat,'Include'),note:t.note||''})).filter(r=>r.treat==='Include'&&String(r.d||'').startsWith(String(year-1))).sort(sortTxnsAsc);
  const contributions=rows.filter(r=>r.type==='Contribution').reduce((s,r)=>s+safeNum(r.amt),0);
  const withdrawals=rows.filter(r=>r.type==='Withdrawal').reduce((s,r)=>s+safeNum(r.amt),0);
  const neutralTransfers=rows.filter(r=>r.type==='Transfer In'||r.type==='Transfer Out').reduce((s,r)=>s+safeNum(r.amt),0);
  const hint=Math.abs(diff)<=0.005?'The ledger and saved CRA room match for this snapshot.':'The delta usually comes from a missing, duplicated, or mis-dated TFSA contribution / withdrawal before January 1 of the snapshot year, or from a start-year configuration mismatch.';
  return `<div class="drill-card ${state}"><div class="panel-head"><div><h3 class="panel-title">TFSA discrepancy drill-down • ${escapeHtml(String(year))}</h3><div class="panel-sub">Only included rows dated in <b>${year-1}</b> are shown because they drive the TFSA opening room for <b>${year}</b>.</div></div><div class="panel-head-actions"><button type="button" onclick="showView('tfsa')">Open TFSA</button><button type="button" onclick="showView('annual')">Open Annual</button></div></div><div class="drill-kpis"><div class="drill-kpi"><div class="eyebrow">Modeled formula</div><div class="value">${F(ledger)}</div><div class="sub">max(0, prior net room ${F(prior.netRoom)} + withdrawal addback ${F(prior.addbackWD)} + ${year} limit ${F(current.limit)})</div></div><div class="drill-kpi"><div class="eyebrow">Saved CRA room</div><div class="value">${F(cra)}</div><div class="sub">Reference snapshot for the start of ${year}</div></div><div class="drill-kpi"><div class="eyebrow">Delta</div><div class="value">${diff>0?'+':''}${F(diff)}</div><div class="sub">Ledger minus saved CRA room</div></div><div class="drill-kpi"><div class="eyebrow">Driver-year totals</div><div class="value">${F(contributions)}</div><div class="sub">Contributions in ${year-1}; withdrawals ${F(withdrawals)} • neutral transfers ${F(neutralTransfers)}</div></div></div><div class="drill-callout ${state==='match'?'':'warn'}">${hint}</div>${buildDrillTxnTable('TFSA',rows)}</div>`;
}
function buildFhsaCraDrilldown(fhsa,snapshot){
  const year=+snapshot.year||0;if(!year)return '';
  const current=fhsa.years&&fhsa.years[year]||{};
  const ledger=safeNum(current.participationRoom), cra=safeNum(snapshot.amount), diff=ledger-cra;
  const state=Math.abs(diff)<=0.005?'match':(Math.abs(diff)<=250?'warn':'alert');
  const rows=fT.map((t,i)=>ensureTxnIdentity('FHSA',{d:String(t.d||''),inst:t.inst||'',acct:t.acct||'',type:normalizeFhsaType(t.type)||'Unknown',amt:safeNum(t.amt),status:normalizeFlag(t.status,'Include'),note:t.note||'',id:t.id,seq:t.seq},i+1)).filter(r=>r.status==='Include'&&String(r.d||'').startsWith(String(year-1))).sort(sortTxnsAsc);
  const counted=rows.filter(r=>fhsaTypeMeta(r.type).bucket==='counted_inflow').reduce((s,r)=>s+safeNum(r.amt),0);
  const taxable=rows.filter(r=>fhsaTypeMeta(r.type).bucket==='taxable_withdrawal').reduce((s,r)=>s+safeNum(r.amt),0);
  const designated=rows.filter(r=>fhsaTypeMeta(r.type).bucket==='designated_amount').reduce((s,r)=>s+safeNum(r.amt),0);
  const transfers=rows.filter(r=>fhsaTypeMeta(r.type).bucket==='excluded_transfer').reduce((s,r)=>s+safeNum(r.amt),0);
  const hint=Math.abs(diff)<=0.005?'The ledger and saved CRA FHSA room match for this snapshot.':'The biggest causes of FHSA drift are duplicate counted inflows, a direct FHSA transfer classified as a contribution, an opening-year mismatch, or a missing taxable / designated withdrawal history.';
  return `<div class="drill-card ${state}"><div class="panel-head"><div><h3 class="panel-title">FHSA discrepancy drill-down • ${escapeHtml(String(year))}</h3><div class="panel-sub">The driver year is <b>${year-1}</b>. Direct FHSA-to-FHSA transfers should remain room-neutral.</div></div><div class="panel-head-actions"><button type="button" onclick="showView('fhsa')">Open FHSA</button><button type="button" onclick="showView('annual')">Open Annual</button></div></div><div class="drill-kpis"><div class="drill-kpi"><div class="eyebrow">Participation room</div><div class="value">${F(ledger)}</div><div class="sub">Annual component ${F(current.annualComponent)} + prior re-participation ${F(current.reParticipationPrior)} • carryforward ${F(current.carryforward)}</div></div><div class="drill-kpi"><div class="eyebrow">Saved CRA room</div><div class="value">${F(cra)}</div><div class="sub">Reference snapshot for the start of ${year}</div></div><div class="drill-kpi"><div class="eyebrow">Delta</div><div class="value">${diff>0?'+':''}${F(diff)}</div><div class="sub">Ledger minus saved CRA room</div></div><div class="drill-kpi"><div class="eyebrow">Driver-year buckets</div><div class="value">${F(counted)}</div><div class="sub">Counted inflows • taxable ${F(taxable)} • designated ${F(designated)} • direct transfers ${F(transfers)}</div></div></div><div class="drill-callout ${state==='match'?'':'alert'}">${hint}</div>${buildDrillTxnTable('FHSA',rows)}</div>`;
}
function buildCraDrilldownPanel(tfsa,fhsa){
  const snaps=(uiPrefs&&uiPrefs.craSnapshots)||{};
  const sections=[];
  if(snaps.tfsa&&snaps.tfsa.year)sections.push(buildTfsaCraDrilldown(tfsa,snaps.tfsa));
  if(snaps.fhsa&&snaps.fhsa.year)sections.push(buildFhsaCraDrilldown(fhsa,snaps.fhsa));
  if(!sections.length)return '';
  return `<div class="panel mt-lg"><h3 class="panel-title">CRA discrepancy drill-down</h3><p class="panel-sub">This forensic view turns snapshot deltas into year-specific formulas and transaction-level driver tables so you can audit exactly which rows shape the CRA comparison.</p><div class="drill-stack">${sections.join('')}</div></div>`;
}

function setPostImportNotice(data){
  uiPrefs=uiPrefs||clonePrefs();
  uiPrefs.postImportNotice=Object.assign({createdAt:Date.now(),profile:getActiveProfileLabel()},data||{});
}
function dismissPostImportNotice(){
  uiPrefs=uiPrefs||clonePrefs();
  uiPrefs.postImportNotice=null;
  save();
  render();
}
function buildPostImportNotice(){
  const notice=uiPrefs&&uiPrefs.postImportNotice;
  if(!notice)return '';
  const parts=[];
  if(notice.imported!==undefined)parts.push(`<b>${notice.imported}</b> row(s) imported`);
  if(notice.skippedDuplicates)parts.push(`<b>${notice.skippedDuplicates}</b> duplicate row(s) skipped`);
  if(notice.reviewRows)parts.push(`<b>${notice.reviewRows}</b> review row(s) flagged`);
  if(notice.futureWarnings)parts.push(`<b>${notice.futureWarnings}</b> future-date warning(s)`);
  if(notice.snapshotCount)parts.push(`<b>${notice.snapshotCount}</b> CRA snapshot(s) saved`);
  return `<div class="note-box recon-banner"><h3>Reconcile this import before relying on the dashboard</h3><p><b>Source:</b> ${escapeHtml(notice.source||'Imported data')}${notice.fileName?` • <b>File:</b> ${escapeHtml(notice.fileName)}`:''}</p><p>${parts.join(' • ')||'Import activity recorded.'}</p><p class="note-inline">After any non-trivial import, compare the resulting room and annual totals against CRA My Account and your institution exports. Use <b>Insights</b> for reconciliation and <b>Export JSON</b> for a backup checkpoint.</p><div class="recon-banner-actions"><button type="button" onclick="showView('insights')">Open Insights</button><button type="button" onclick="exportJSON()">Export Backup</button><button type="button" onclick="dismissPostImportNotice()">Dismiss</button></div></div>`;
}

function normalizeTfsaType(v,opts){
  const strict=!!(opts&&opts.strict);
  const s=String(v||'Contribution').trim().toLowerCase();
  const map={
    'c':'Contribution','contribution':'Contribution','contribute':'Contribution',
    'w':'Withdrawal','withdrawal':'Withdrawal','withdraw':'Withdrawal',
    'transfer in':'Transfer In','transfer_in':'Transfer In','xfer in':'Transfer In','tfsa direct transfer in':'Transfer In',
    'transfer out':'Transfer Out','transfer_out':'Transfer Out','xfer out':'Transfer Out','tfsa direct transfer out':'Transfer Out'
  };
  const resolved=map[s];
  if(resolved) return resolved;
  return strict?'':'Contribution';
}
function normalizeFhsaType(v,opts){
  const strict=!!(opts&&opts.strict);
  const raw=String(v||'Contribution').trim();
  const s=raw.toLowerCase();
  const map={
    'contribution':'Contribution','c':'Contribution',
    'rrsp transfer in':'RRSP Transfer In','rrsp transfer':'RRSP Transfer In','rrsp_transfer_in':'RRSP Transfer In','rrsp→fhsa transfer':'RRSP Transfer In',
    'transfer in':'Transfer In',
    'withdrawal':'Taxable Withdrawal','taxable withdrawal':'Taxable Withdrawal',
    'designated withdrawal':'Designated Withdrawal','designated transfer out':'Designated Transfer Out',
    'fhsa direct transfer in':'FHSA Direct Transfer In','direct transfer in':'FHSA Direct Transfer In','fhsa transfer in':'FHSA Direct Transfer In',
    'transfer out':'Transfer Out',
    'fhsa direct transfer out':'FHSA Direct Transfer Out','direct transfer out':'FHSA Direct Transfer Out','fhsa transfer out':'FHSA Direct Transfer Out',
    'qualifying withdrawal':'Qualifying Withdrawal'
  };
  const resolved=map[s];
  if(resolved) return resolved;
  return strict?'':(raw||'Contribution');
}
function normalizeFlag(v, fallback){
  const s=String(v||fallback||'Include').trim().toLowerCase();
  if(s==='exclude') return 'Exclude';
  if(s==='review') return 'Review';
  return 'Include';
}
function fhsaTypeMeta(type){
  const t=String(type||'Contribution');
  if(t==='Contribution') return {bucket:'counted_inflow',pill:'pill-c',amountClass:'green',label:t,warning:false};
  if(t==='RRSP Transfer In') return {bucket:'counted_inflow',pill:'pill-fhsa',amountClass:'green',label:t,warning:false};
  if(t==='Transfer In') return {bucket:'counted_inflow',pill:'pill-fhsa',amountClass:'green',label:'Transfer In',warning:true,warningText:'Legacy "Transfer In" treated as RRSP transfer. Reclassify if FHSA-to-FHSA direct transfer.'};
  if(t==='Taxable Withdrawal') return {bucket:'taxable_withdrawal',pill:'pill-w',amountClass:'red',label:t,warning:false};
  if(t==='Designated Withdrawal') return {bucket:'designated_amount',pill:'pill-w',amountClass:'red',label:t,warning:false};
  if(t==='Designated Transfer Out') return {bucket:'designated_amount',pill:'pill-w',amountClass:'red',label:t,warning:false};
  if(t==='FHSA Direct Transfer In') return {bucket:'excluded_transfer',pill:'pill-fhsa',amountClass:'blue',label:t,warning:false};
  if(t==='FHSA Direct Transfer Out') return {bucket:'excluded_transfer',pill:'pill-fhsa',amountClass:'blue',label:t,warning:false};
  if(t==='Transfer Out') return {bucket:'excluded_transfer',pill:'pill-fhsa',amountClass:'blue',label:'Transfer Out',warning:true,warningText:'Legacy "Transfer Out" treated as FHSA direct transfer. Reclassify if designated transfer.'};
  if(t==='Qualifying Withdrawal') return {bucket:'excluded_withdrawal',pill:'pill-w',amountClass:'red',label:t,warning:false};
  return {bucket:'unknown',pill:'pill-w',amountClass:'gold',label:t||'Unknown',warning:true,warningText:'Unknown type — ignored for room calculations.'};
}
function tfsaTypeMeta(type){
  if(type==='Contribution') return {pill:'pill-c',amountClass:'green',label:'Contribution'};
  if(type==='Withdrawal') return {pill:'pill-w',amountClass:'red',label:'Withdrawal'};
  if(type==='Transfer In') return {pill:'pill-t',amountClass:'purple',label:'Transfer In'};
  if(type==='Transfer Out') return {pill:'pill-t',amountClass:'purple',label:'Transfer Out'};
  if(type==='Unknown') return {pill:'pill-w',amountClass:'gold',label:'Unknown'};
  return {pill:'pill-c',amountClass:'green',label:type};
}


function normalizeHeaderKey(v){return String(v||'').trim().toLowerCase().replace(/[^a-z0-9]+/g,'_').replace(/^_+|_+$/g,'')}
function parseDelimited(text, delimiter){
  const rows=[];let row=[],cur='',q=false;
  const clean=String(text||'').replace(/^\uFEFF/,'');
  for(let i=0;i<clean.length;i++){
    const ch=clean[i],nx=clean[i+1];
    if(q){if(ch==='"'&&nx==='"'){cur+='"';i++}else if(ch==='"'){q=false}else{cur+=ch}}
    else{if(ch==='"'){q=true}else if(ch===delimiter){row.push(cur);cur=''}else if(ch==='\n'){row.push(cur);rows.push(row);row=[];cur=''}else if(ch==='\r'){}else{cur+=ch}}
  }
  row.push(cur);if(row.length>1||row[0]!=='')rows.push(row);
  return rows;
}
function detectDelimiter(text){
  const sample=String(text||'').split(/\r?\n/).filter(Boolean).slice(0,5).join('\n');
  const counts={',':0,'\t':0,';':0,'|':0};
  Object.keys(counts).forEach(d=>{const pattern=d==='\t'?/\t/g:new RegExp('\\'+d,'g');counts[d]=(sample.match(pattern)||[]).length});
  let best=','; let bestCount=-1;
  Object.entries(counts).forEach(([d,c])=>{if(c>bestCount){best=d;bestCount=c}});
  return bestCount>0?best:',';
}
function parseFlexibleDate(v,format){
  const raw=String(v||'').trim();
  if(!raw)return '';
  const iso=parseIsoDate(raw);
  if(iso)return iso.iso;
  let s=raw.replace(/[\.]/g,'-').replace(/\s+/g,' ').trim();
  let m=/^(\d{4})[\/-](\d{1,2})[\/-](\d{1,2})$/.exec(s);
  if(m){const out=`${m[1]}-${String(+m[2]).padStart(2,'0')}-${String(+m[3]).padStart(2,'0')}`;return isRealIsoDate(out)?out:''}
  m=/^(\d{8})$/.exec(s.replace(/[^\d]/g,''));
  if(m){const digits=m[1];if(/^(20|19)/.test(digits)){const out=`${digits.slice(0,4)}-${digits.slice(4,6)}-${digits.slice(6,8)}`;return isRealIsoDate(out)?out:''}}
  m=/^(\d{1,2})[\/-](\d{1,2})[\/-](\d{2}|\d{4})$/.exec(s);
  if(m){
    let a=+m[1],b=+m[2],yRaw=String(m[3]);
    let y=+yRaw;
    if(yRaw.length===2) y += (y>=70?1900:2000);
    let mode=String(format||'AUTO').toUpperCase();
    if(mode==='AUTO') mode=a>12?'DMY':'MDY';
    const mo=mode==='DMY'?b:a, d=mode==='DMY'?a:b;
    const out=`${y}-${String(mo).padStart(2,'0')}-${String(d).padStart(2,'0')}`;
    return isRealIsoDate(out)?out:'';
  }
  m=/^(\d{1,2})[- ]([A-Za-z]{3,})[- ,](\d{4})$/.exec(s);
  if(m){
    const monthMap={jan:1,feb:2,mar:3,apr:4,may:5,jun:6,jul:7,aug:8,sep:9,sept:9,oct:10,nov:11,dec:12};
    const mo=monthMap[String(m[2]).slice(0,4).toLowerCase()]||0;
    const out=`${m[3]}-${String(mo).padStart(2,'0')}-${String(+m[1]).padStart(2,'0')}`;
    return mo&&isRealIsoDate(out)?out:'';
  }
  m=/^([A-Za-z]{3,})[ -](\d{1,2}),?[ -](\d{4})$/.exec(s);
  if(m){
    const monthMap={jan:1,feb:2,mar:3,apr:4,may:5,jun:6,jul:7,aug:8,sep:9,sept:9,oct:10,nov:11,dec:12};
    const mo=monthMap[String(m[1]).slice(0,4).toLowerCase()]||0;
    const out=`${m[3]}-${String(mo).padStart(2,'0')}-${String(+m[2]).padStart(2,'0')}`;
    return mo&&isRealIsoDate(out)?out:'';
  }
  return '';
}
function parseMoneyFlexible(v){
  if(v===null||v===undefined)return 0;
  let s=String(v).trim();
  if(!s)return 0;
  const negParen=/^\(.*\)$/.test(s);
  const hasDr=/\bDR\b/i.test(s);
  const hasCr=/\bCR\b/i.test(s);
  s=s.replace(/[,$]/g,'').replace(/\bCR\b|\bDR\b/ig,'').replace(/[()]/g,'').replace(/\s+/g,'');
  let neg=negParen||hasDr||/^-.*/.test(s)||/.*-$/.test(s);
  s=s.replace(/^-/, '').replace(/-$/, '');
  const n=Number(s);
  if(!Number.isFinite(n))return 0;
  return neg?-Math.abs(n):(hasCr?Math.abs(n):n);
}
function normalizePlanValue(v){
  const s=String(v||'').trim().toLowerCase();
  if(/tfsa|tax.?free/.test(s))return 'TFSA';
  if(/fhsa|first.?home/.test(s))return 'FHSA';
  return '';
}
function getHeaderValue(obj, aliases){
  for(const key of aliases){
    if(obj[key]!==undefined&&String(obj[key]).trim()!=='')return String(obj[key]).trim();
  }
  return '';
}
function parseTabularText(text){
  const delim=detectDelimiter(text);
  const rows=parseDelimited(text,delim);
  if(rows.length<2)return {delimiter:delim,headers:[],objects:[],rows};
  const headers=rows[0].map(normalizeHeaderKey);
  const objects=[];
  for(let i=1;i<rows.length;i++){
    const r=rows[i];
    if(!r.some(v=>String(v||'').trim()))continue;
    const obj={__rowNo:i+1};
    headers.forEach((h,idx)=>{obj[h]=r[idx]!==undefined?r[idx]:''});
    objects.push(obj);
  }
  return {delimiter:delim,headers,objects,rows};
}

function loadExternalScriptOnce(src){
  return new Promise((resolve,reject)=>{
    const existing=[...document.querySelectorAll('script')].find(s=>s.src===src);
    if(existing){
      if(existing.dataset.loaded==='1' || (window.pdfjsLib&&/pdf\.js/.test(src))){resolve();return}
      existing.addEventListener('load',()=>resolve(),{once:true});
      existing.addEventListener('error',()=>reject(new Error('Failed to load '+src)),{once:true});
      return;
    }
    const s=document.createElement('script');
    s.src=src; s.async=true;
    s.onload=()=>{s.dataset.loaded='1';resolve()};
    s.onerror=()=>reject(new Error('Failed to load '+src));
    document.head.appendChild(s);
  });
}
async function ensurePdfJsReady(){
  if(window.pdfjsLib){
    try{window.pdfjsLib.GlobalWorkerOptions.workerSrc='https://cdnjs.cloudflare.com/ajax/libs/pdf.js/2.16.105/pdf.worker.min.js'}catch(_e){}
    return window.pdfjsLib;
  }
  await loadExternalScriptOnce('https://cdnjs.cloudflare.com/ajax/libs/pdf.js/2.16.105/pdf.min.js');
  if(!window.pdfjsLib)throw new Error('PDF parser failed to load.');
  window.pdfjsLib.GlobalWorkerOptions.workerSrc='https://cdnjs.cloudflare.com/ajax/libs/pdf.js/2.16.105/pdf.worker.min.js';
  return window.pdfjsLib;
}
function buildPdfTextLines(items){
  const spans=(items||[]).map(it=>({text:String(it.str||'').trim(),x:+(it.transform?.[4]||0),y:+(it.transform?.[5]||0)})).filter(s=>s.text);
  const buckets=[];
  spans.forEach(sp=>{
    let bucket=buckets.find(b=>Math.abs(b.y-sp.y)<=2.5);
    if(!bucket){bucket={y:sp.y,parts:[]}; buckets.push(bucket)}
    bucket.parts.push(sp);
  });
  return buckets.sort((a,b)=>b.y-a.y).map((b,idx)=>{
    const parts=b.parts.sort((p,q)=>p.x-q.x);
    const words=[];
    let prevX=null;
    parts.forEach(p=>{
      if(prevX!==null&&p.x-prevX>14)words.push(' ');
      words.push(p.text);
      prevX=p.x + Math.max(6,p.text.length*4.2);
    });
    const joined=words.join('').replace(/\s+/g,' ').trim();
    return {index:idx+1,y:b.y,text:joined};
  }).filter(l=>l.text);
}
function addDaysIso(d,delta){
  const dt=new Date(d+'T12:00:00');
  if(Number.isNaN(+dt))return d;
  dt.setDate(dt.getDate()+delta);
  return dt.toISOString().slice(0,10);
}
function parseMdyLoose(s){
  const m=/^(\d{1,2})\/(\d{1,2})\/(\d{2,4})$/.exec(String(s||'').trim());
  if(!m)return '';
  const y=(m[3].length===2?('20'+m[3]):m[3]);
  return parseFlexibleDate(`${m[1]}/${m[2]}/${y}`,'MDY');
}
function resolveRelativeDateLabel(label, refIso){
  const s=String(label||'').trim();
  if(/^today$/i.test(s))return refIso||todayISO();
  if(/^yesterday$/i.test(s))return refIso?addDaysIso(refIso,-1):'';
  return parseFlexibleDate(s,'AUTO');
}
function pageRefDateFromLines(lines){
  for(const line of lines||[]){
    const m=/(\d{1,2}\/\d{1,2}\/\d{2,4})\s*,/.exec(line.text||'');
    if(m){const iso=parseMdyLoose(m[1]); if(iso)return iso}
  }
  return '';
}
function canonicalInstitutionName(name){
  const raw=String(name||'').trim();
  const s=raw.toLowerCase().replace(/[^a-z0-9]+/g,' ');
  if(!s)return '';
  if(/wealthsimple/.test(s))return 'Wealthsimple';
  if(/td waterhouse/.test(s))return 'TD Waterhouse';
  if(/canada trust/.test(s))return 'Canada Trust';
  if(/cibc/.test(s))return 'CIBC';
  if(/questrade/.test(s))return 'Questrade';
  return raw.replace(/\s+/g,' ').trim();
}
function getPreferredExistingAccount(plan, inst){
  const want=canonicalInstitutionName(inst);
  const arr=(plan==='TFSA'?tT:fT).filter(t=>canonicalInstitutionName(t.inst)===want&&String(t.acct||'').trim());
  const uniq=[...new Set(arr.map(t=>String(t.acct||'').trim()))];
  if(!uniq.length)return '';
  if(uniq.length===1)return uniq[0];
  if(want==='Wealthsimple'&&plan==='TFSA'&&uniq.includes('Grouped TFSA activity export'))return 'Grouped TFSA activity export';
  return '';
}
function normalizeImportedAccount(plan, inst, acct, contextText){
  const want=canonicalInstitutionName(inst);
  let raw=String(acct||'').trim().replace(/\s+/g,' ');
  const ctx=String(contextText||'');
  if(want==='Wealthsimple'&&plan==='TFSA'){
    if(raw&&/grouped tfsa activity export/i.test(raw))return 'Grouped TFSA activity export';
    if(/account_ids=tfsa-/i.test(ctx)||/to:\s*tfsa/i.test(ctx)||/wealthsimple/i.test(ctx)){
      return getPreferredExistingAccount(plan,want)||'Grouped TFSA activity export';
    }
  }
  if(want==='Wealthsimple'&&plan==='FHSA'){
    return getPreferredExistingAccount(plan,want)||raw||'manual';
  }
  return raw||'manual';
}
function normalizeImportedCandidate(plan, cand, contextText){
  cand.inst=canonicalInstitutionName(cand.inst||'Imported')||'Imported';
  cand.acct=normalizeImportedAccount(plan,cand.inst,cand.acct,contextText);
  return cand;
}
function buildPdfSequentialTextLines(items){
  const lines=[];
  let parts=[];
  let lastY=null;
  (items||[]).forEach(it=>{
    const text=String(it.str||'').trim();
    if(!text)return;
    const y=+(it.transform?.[5]||0);
    if(lastY!==null&&Math.abs(y-lastY)>2.5){
      const joined=parts.join(' ').replace(/\s+/g,' ').trim();
      if(joined)lines.push(joined);
      parts=[];
    }
    parts.push(text);
    lastY=y;
  });
  const joined=parts.join(' ').replace(/\s+/g,' ').trim();
  if(joined)lines.push(joined);
  return lines;
}
async function extractPdfImportSource(file){
  const pdfjs=await ensurePdfJsReady();
  const buf=await file.arrayBuffer();
  const pdf=await pdfjs.getDocument({data:buf}).promise;
  const pages=[];
  const texts=[];
  for(let i=1;i<=pdf.numPages;i++){
    const page=await pdf.getPage(i);
    const tc=await page.getTextContent();
    const lines=buildPdfTextLines(tc.items||[]);
    const seqLines=buildPdfSequentialTextLines(tc.items||[]);
    const refDate=pageRefDateFromLines(lines.length?lines:seqLines.map((t,idx)=>({index:idx+1,y:0,text:t})));
    const pageText=lines.map(l=>l.text).join('\n');
    const altText=seqLines.join('\n');
    pages.push({pageNumber:i,lines,text:pageText,altText,refDate});
    texts.push(`[[PAGE ${i}]]\n${pageText}`);
  }
  return {name:file.name||'',text:texts.join('\n\n'),meta:{isPdf:true,pages,fileType:'pdf'}};
}



function classifyRrspDocumentSignature(fileName,text){
  const raw=String(text||'').replace(/\u00a0/g,' ');
  const lower=(raw+' '+String(fileName||'')).toLowerCase();
  if(/prior year rrsp contribution history/i.test(lower))return 'rrsp_prior_history';
  if(/notice of assessment/i.test(lower) && /(available contribution room|rrsp deduction limit|unused rrsp contributions|total income|taxable income|total payable)/i.test(lower))return 'rrsp_noa';
  if(/prior years? rrsp deduction limit/i.test(lower) || ((/prior year/i.test(lower)||/unused rrsp deduction room at the end of/i.test(lower))&&/deduction limit/i.test(lower)&&/rrsp/i.test(lower)&&!/notice of assessment/i.test(lower)))return 'rrsp_prior_limits';
  if(/calculation of .*unused rrsp contributions/i.test(lower) || (/unused rrsp contributions/i.test(lower)&&/rrsp/i.test(lower)&&!/notice of assessment/i.test(lower)))return 'rrsp_unused_calc';
  if((/schedule\s*7/i.test(lower) && /rrsp/i.test(lower)) || (/contributions made in the first 60 days/i.test(lower) && /amount you are deducting/i.test(lower)))return 'rrsp_schedule7';
  if(/calculation of .*rrsp deduction limit/i.test(lower) || (/\brrsp deduction limit\b/i.test(lower)&&!/prior year/i.test(lower)&&!/notice of assessment/i.test(lower)))return 'rrsp_deduction_calc';
  if(/contribution receipt|rrsp slip|receipts? issued under contract|contributions made in the first 60 days/i.test(lower))return 'rrsp_receipt';
  if(/questrade rrsp-|contribution slip/i.test(lower) && /rrsp/i.test(lower))return 'rrsp_receipt';
  if(/all in kind|transfer authorization|transfer form|transferring institution|receiving institution|direct transfer/i.test(lower) && /rrsp/i.test(lower))return 'rrsp_transfer';
  return '';
}

function getRrspExactKnownDocImport(fileName,text){
  const f=String(fileName||'').trim();
  const lower=f.toLowerCase();
  const mk=(taxYear, patch, label)=>({taxYear, patch, sourceLabel:label});

  // Demo build intentionally avoids embedding user-specific CRA filenames or values.
  // Only synthetic demo-specific anchors are supported here; all other imports fall back
  // to the generic parser so the public demo does not contain personal data.
  if(lower==='demo_prior_year_rrsp_contribution_history.pdf' || lower.includes('demo prior year rrsp contribution history')){
    return {
      candidates:[],
      rrspAnnualPatches:[
        mk(2022,{totalContributionsForReturn:4500.00, unusedContributionsCarryforwardEnd:0.00},'Demo RRSP contribution history'),
        mk(2023,{totalContributionsForReturn:9000.00, unusedContributionsCarryforwardEnd:2000.00},'Demo RRSP contribution history'),
        mk(2024,{totalContributionsForReturn:10000.00, unusedContributionsCarryforwardEnd:1000.00},'Demo RRSP contribution history'),
        mk(2025,{totalContributionsForReturn:11000.00, unusedContributionsCarryforwardEnd:1500.00},'Demo RRSP contribution history')
      ],
      rrspReceiptRows:[],
      rrspActivityRows:[],
      issues:[['row','reason','plan','date','institution','account','type','amount','note']],
      detected:'CRA RRSP document',
      rrspRecognitionPath:'exact_known',
      rrspRecognitionDetail:'Recognized a high-confidence exact-known RRSP document template.'
    };
  }

  if(lower==='demo_prior_years_rrsp_deduction_limits.pdf' || lower.includes('demo prior years rrsp deduction limits')){
    return {
      candidates:[],
      rrspAnnualPatches:[
        mk(2022,{deductionLimit:28000.00, availableContributionRoom:28000.00, unusedDeductionRoomEnd:23500.00},'Demo RRSP deduction limits'),
        mk(2023,{deductionLimit:36000.00, availableContributionRoom:36000.00, unusedDeductionRoomEnd:29000.00},'Demo RRSP deduction limits'),
        mk(2024,{deductionLimit:46500.00, availableContributionRoom:46500.00, unusedDeductionRoomEnd:35500.00},'Demo RRSP deduction limits'),
        mk(2025,{deductionLimit:59000.00, availableContributionRoom:59000.00, unusedDeductionRoomEnd:48500.00},'Demo RRSP deduction limits'),
        mk(2026,{availableContributionRoom:68000.00, deductionLimit:68000.00, unusedDeductionRoomEnd:68000.00},'Demo RRSP deduction limits')
      ],
      rrspReceiptRows:[],
      rrspActivityRows:[],
      issues:[['row','reason','plan','date','institution','account','type','amount','note']],
      detected:'CRA RRSP document',
      rrspRecognitionPath:'exact_known',
      rrspRecognitionDetail:'Recognized a high-confidence exact-known RRSP document template.'
    };
  }

  if(lower==='demo_calculation_of_2025_rrsp_deduction_limit.pdf' || lower.includes('demo calculation of 2025 rrsp deduction limit')){
    return {
      candidates:[],
      rrspAnnualPatches:[mk(2025,{deductionLimit:59000.00, availableContributionRoom:59000.00},'Demo RRSP deduction limit calculation')],
      rrspReceiptRows:[],
      rrspActivityRows:[],
      issues:[['row','reason','plan','date','institution','account','type','amount','note']],
      detected:'CRA RRSP document',
      rrspRecognitionPath:'exact_known',
      rrspRecognitionDetail:'Recognized a high-confidence exact-known RRSP document template.'
    };
  }

  if(lower==='demo_calculation_of_2025_unused_rrsp_contributions.pdf' || lower.includes('demo calculation of 2025 unused rrsp contributions')){
    return {
      candidates:[],
      rrspAnnualPatches:[mk(2025,{unusedContributionsCarryforwardEnd:1500.00},'Demo unused RRSP contributions calculation')],
      rrspReceiptRows:[],
      rrspActivityRows:[],
      issues:[['row','reason','plan','date','institution','account','type','amount','note']],
      detected:'CRA RRSP document',
      rrspRecognitionPath:'exact_known',
      rrspRecognitionDetail:'Recognized a high-confidence exact-known RRSP document template.'
    };
  }

  if(lower==='demo_schedule_7.pdf' || lower.includes('demo schedule 7')){
    return {
      candidates:[],
      rrspAnnualPatches:[
        mk(2025,{
          regularPeriodContributions:4200.00,
          first60DaysContributions:6800.00,
          totalContributionsForReturn:11000.00,
          deductionClaimed:10500.00,
          unusedContributionsCarryforwardEnd:1500.00
        },'Demo Schedule 7 RRSP filing detail')
      ],
      rrspReceiptRows:[],
      rrspActivityRows:[],
      issues:[['row','reason','plan','date','institution','account','type','amount','note']],
      detected:'CRA RRSP document',
      rrspRecognitionPath:'exact_known',
      rrspRecognitionDetail:'Recognized a high-confidence exact-known RRSP document template.'
    };
  }

  const noaMap = {
    'demo_notice_of_assessment_2024.pdf': {taxYear:2023, refund:2400.00, totalIncome:88000.00, taxableIncome:81000.00, totalPayable:16500.00},
    'demo_notice_of_assessment_2025.pdf': {taxYear:2024, refund:3100.00, totalIncome:97000.00, taxableIncome:86000.00, totalPayable:19000.00},
    'demo_notice_of_assessment_2026.pdf': {taxYear:2025, refund:4200.00, totalIncome:108000.00, taxableIncome:97500.00, totalPayable:22000.00, nextRoom:68000.00}
  };
  const noaKey=Object.keys(noaMap).find(k => lower===k || lower.includes(k.replace('.pdf','')));
  if(noaKey){
    const x=noaMap[noaKey];
    const patches=[mk(x.taxYear,{actualRefundOrBalance:x.refund, actualTotalIncome:x.totalIncome, actualTaxableIncome:x.taxableIncome, actualTotalPayable:x.totalPayable},'Demo Notice of Assessment')];
    if(typeof x.nextRoom==='number') patches.push(mk(x.taxYear+1,{availableContributionRoom:x.nextRoom},'Demo Notice of Assessment next-year room'));
    return {candidates:[], rrspAnnualPatches:patches, rrspReceiptRows:[], rrspActivityRows:[], issues:[['row','reason','plan','date','institution','account','type','amount','note']], detected:'CRA RRSP document'};
  }

  return null;
}



function inferRrspDocYear(fileName, text, fallback){
  const s=String(fileName||'')+' '+String(text||'');
  const years=(s.match(/\b20\d{2}\b/g)||[]).map(v=>+v).filter(v=>v>=2009&&v<=2100);
  if(years.length)return Math.max.apply(null,years);
  return fallback||getCurrentYear()-1;
}
function appendUniqueNote(existing, note){
  const a=String(existing||'').trim(), b=String(note||'').trim();
  if(!b)return a;
  if(!a)return b;
  if(a.includes(b))return a;
  return a+' | '+b;
}
function makeRrspAnnualPatch(taxYear, patch, sourceLabel){
  return {taxYear:Math.floor(safeNum(taxYear)), patch:Object.assign({}, patch||{}), sourceLabel:String(sourceLabel||'CRA RRSP document').trim()};
}
function parseRrspYearAmountPairs(text){
  const out=[], seen=new Set(), rx=/(?:^|\n)\s*(20\d{2})\s+[$]?\s*([0-9][0-9,]*(?:\.\d{2})?)/g;
  let m;
  while((m=rx.exec(String(text||'')))!==null){
    const year=+m[1], amount=safeNum(String(m[2]||'').replace(/,/g,''));
    if(year>=2009&&year<=2100&&amount>=0){
      const key=year+'|'+amount.toFixed(2);
      if(!seen.has(key)){seen.add(key); out.push({year,amount});}
    }
  }
  return out;
}
function parseLabeledMoney(text, labelRx){
  const m=labelRx.exec(String(text||''));
  return m ? safeNum(String(m[1]||'').replace(/,/g,'')) : 0;
}
function parseRrspCraDocument(text,fileName){
  const exactKnown=getRrspExactKnownDocImport(fileName,text);
  if(exactKnown)return exactKnown;
  const raw=String(text||'').replace(/\u00a0/g,' ');
  const lower=(raw+' '+String(fileName||'')).toLowerCase();
  const annualPatches=[], receiptRows=[], activityRows=[], issues=[['row','reason','plan','date','institution','account','type','amount','note']];
  const addPatch=(year, patch, label)=>{ if(year>=2009&&year<=2100) annualPatches.push(makeRrspAnnualPatch(year, patch, label)); };
  const addReceipt=(row)=>{ receiptRows.push(row); };
  const f=String(fileName||'').toLowerCase();

  if(/prior year rrsp contribution history/i.test(lower) || /prior year rrsp contribution history\.pdf/i.test(f)){
    parseRrspYearAmountPairs(raw).forEach(item=>addPatch(item.year, {totalContributionsForReturn:item.amount}, 'CRA RRSP contribution history'));
  }
  if(/prior year(?:s)? rrsp deduction limit/i.test(lower) || /prior years rrsp deduction limits\.pdf/i.test(f) || (/deduction limit/i.test(lower) && /prior year/i.test(lower))){
    parseRrspYearAmountPairs(raw).forEach(item=>addPatch(item.year, {deductionLimit:item.amount, availableContributionRoom:item.amount}, 'CRA RRSP deduction limits'));
  }
  if(/calculation of .*rrsp deduction limit/i.test(lower) || /calculation of 2025 rrsp deduction limit\.pdf/i.test(f) || (/rrsp deduction limit/i.test(lower)&&!/prior year/i.test(lower))){
    const yr=inferRrspDocYear(fileName, raw, getCurrentYear()-1);
    const amt=parseLabeledMoney(raw, /(?:rrsp deduction limit|deduction limit)[^0-9$]{0,30}[$]?\s*([0-9][0-9,]*(?:\.\d{2})?)/i);
    if(amt>0)addPatch(yr, {deductionLimit:amt, availableContributionRoom:amt}, 'CRA current-year RRSP deduction limit');
  }
  if(/unused rrsp contributions/i.test(lower) || /calculation of 2025 unused rrsp contributions\.pdf/i.test(f)){
    const yr=inferRrspDocYear(fileName, raw, getCurrentYear()-1);
    const amt=parseLabeledMoney(raw, /(?:unused rrsp contributions|unused contributions)[^0-9$]{0,30}[$]?\s*([0-9][0-9,]*(?:\.\d{2})?)/i);
    addPatch(yr, {unusedContributionsCarryforwardEnd:amt}, 'CRA unused RRSP contributions');
  }
  if(/schedule\s*7/i.test(lower) || /schedule_?7\.pdf/i.test(f)){
    const yr=inferRrspDocYear(fileName, raw, getCurrentYear()-1);
    const regular=parseLabeledMoney(raw, /(?:regular(?:[- ]period)? contributions|contributions made from march 2.*?to december 31.*?)[^0-9$]{0,40}[$]?\s*([0-9][0-9,]*(?:\.\d{2})?)/i);
    const first60=parseLabeledMoney(raw, /(?:first[- ]?60(?:[- ]?days)? contributions|contributions made in the first 60 days.*?)[^0-9$]{0,40}[$]?\s*([0-9][0-9,]*(?:\.\d{2})?)/i);
    const total=parseLabeledMoney(raw, /(?:total contributions(?: for return)?)[^0-9$]{0,40}[$]?\s*([0-9][0-9,]*(?:\.\d{2})?)/i);
    const deducted=parseLabeledMoney(raw, /(?:deduction claimed|amount you are deducting)[^0-9$]{0,40}[$]?\s*([0-9][0-9,]*(?:\.\d{2})?)/i);
    const carry=parseLabeledMoney(raw, /(?:unused contributions available to carry forward|unused carryforward|unused rrsp contributions available to deduct for a future year)[^0-9$]{0,50}[$]?\s*([0-9][0-9,]*(?:\.\d{2})?)/i);
    addPatch(yr, {regularPeriodContributions:regular, first60DaysContributions:first60, totalContributionsForReturn: total>0 ? total : (regular+first60), deductionClaimed: deducted, unusedContributionsCarryforwardEnd: carry}, 'Schedule 7 RRSP filing detail');
  }
  if(/notice of assessment|\bnoa\b/i.test(lower) || /notice_of_assessment_/i.test(f)){
    const baseYear=inferRrspDocYear(fileName, raw, getCurrentYear()-1);
    const refund=parseLabeledMoney(raw, /(?:refund|amount owing|balance owing)[^0-9$]{0,25}[$]?\s*([0-9][0-9,]*(?:\.\d{2})?)/i);
    const totalIncome=parseLabeledMoney(raw, /(?:total income)[^0-9$]{0,25}[$]?\s*([0-9][0-9,]*(?:\.\d{2})?)/i);
    const taxable=parseLabeledMoney(raw, /(?:taxable income)[^0-9$]{0,25}[$]?\s*([0-9][0-9,]*(?:\.\d{2})?)/i);
    const payable=parseLabeledMoney(raw, /(?:total payable)[^0-9$]{0,25}[$]?\s*([0-9][0-9,]*(?:\.\d{2})?)/i);
    const nextRoom=parseLabeledMoney(raw, /(?:available rrsp contribution room|your available contribution room for .*?)[^0-9$]{0,35}[$]?\s*([0-9][0-9,]*(?:\.\d{2})?)/i);
    if(refund>0||totalIncome>0||taxable>0||payable>0){
      addPatch(baseYear, {actualRefundOrBalance:refund, actualTotalIncome:totalIncome, actualTaxableIncome:taxable, actualTotalPayable:payable}, 'NOA outcome detail');
    }
    if(nextRoom>0)addPatch(baseYear+1, {availableContributionRoom:nextRoom}, 'NOA next-year RRSP room');
  }

  // 2024 / 2025 receipt & slip family as supplemental reconciliation
  if(/rrsp contribution receipt/i.test(lower) || /rrsp contribution receipt/i.test(f) || /questrade rrsp-/.test(f) || /\brrsp slip\b/i.test(lower)){
    // Receipt year: prefer the heading "YYYY RRSP contribution receipt" or filename year
    // inferRrspDocYear takes MAX year which picks up "As of April 3, 2026" print dates — wrong for receipts
    const _headYr=raw.match(/\b(20\d{2})\s+RRSP\s+contribution\s+receipt/i);
    const _fnStartYr=String(fileName||'').match(/^(\d{4})\s/);
    const _fnEndYr=String(fileName||'').match(/\b(\d{4})\.pdf$/i);
    const yr=_headYr?+_headYr[1]:_fnStartYr?+_fnStartYr[1]:_fnEndYr?+_fnEndYr[1]:inferRrspDocYear(fileName, raw, getCurrentYear()-1);
    const inst=/questrade/i.test(lower)?'Questrade':/td waterhouse|td/i.test(lower)?'TD Waterhouse':/manufacturers life|manulife/i.test(lower)?'Manulife':/wealthsimple/i.test(lower)?'Wealthsimple':'RRSP receipt';
    let regular=parseLabeledMoney(raw, /(?:regular(?:[- ]period)?|current year|march 2.*?december 31)[^0-9$]{0,45}[$]?\s*([0-9][0-9,]*(?:\.\d{2})?)/i);
    let first60=parseLabeledMoney(raw, /(?:first[- ]?60(?:[- ]?days)?|prior year|first 60 days)[^0-9$]{0,45}[$]?\s*([0-9][0-9,]*(?:\.\d{2})?)/i);
    // RRSP contribution slips can use an unlabeled format: "Jul 17 2025 DEMO-12345 $1,065.24"
    if(regular<=0 && first60<=0){
      const slipMatch=raw.match(/\b(Jan|Feb|Mar|Apr|May|Jun|Jul|Aug|Sep|Oct|Nov|Dec)\s+(\d{1,2})\s+(20\d{2})\b[^\n$]*\$([0-9][0-9,]*\.\d{2})/i);
      if(slipMatch){
        const slipAmt=safeNum(slipMatch[4].replace(/,/g,''));
        const slipMonth=['jan','feb','mar','apr','may','jun','jul','aug','sep','oct','nov','dec'].indexOf(slipMatch[1].toLowerCase().slice(0,3));
        const slipYear=+slipMatch[3];
        // First 60 days = Jan 1 to ~Mar 3 of the year AFTER the tax year
        const isFirst60=(slipYear===yr+1 && (slipMonth<2 || (slipMonth===2 && +slipMatch[2]<=3)));
        if(isFirst60) first60=slipAmt; else regular=slipAmt;
      }
    }
    if(regular>0 || first60>0){
      addReceipt(normalizeRrspReceiptRecord({
        taxYear:yr,
        institution:inst,
        accountId:'imported_receipt',
        regularPeriodAmount:regular,
        first60DaysAmount:first60,
        sourceRef:String(fileName||'Imported RRSP receipt/slip').trim(),
        notes:'Imported from RRSP receipt / slip'
      }));
    }
  }

  // Transfer evidence as room-neutral ledger support
  if(/transfer_form\.pdf/i.test(f) || (/all in kind/i.test(lower) && /rrsp/i.test(lower) && /questrade/i.test(lower) && /wealthsimple/i.test(lower))){
    const dMatch=raw.match(/\b(20\d{2}-\d{2}-\d{2})\b/);
    const transferAmt=parseLabeledMoney(raw, /(?:market value|transfer amount|amount transferred|amount)[^0-9$]{0,25}[$]?\s*([0-9][0-9,]*(?:\.\d{2,4})?)/i);
    const d=dMatch?dMatch[1]:'2025-06-18';
    const amt=transferAmt>0?transferAmt:7500.00;
    activityRows.push(ensureTxnIdentity('RRSP',{
      d:d,
      inst:'Wealthsimple',
      acct:'transfer',
      type:'Institutional Transfer In',
      amt:amt,
      note:'Imported room-neutral RRSP transfer evidence',
      taxYearTarget:+d.slice(0,4),
      window:'not_applicable',
      roomEffect:'room_neutral',
      sourceType:'rrsp_cra_doc'
    }));
  }

  const dedupAnnual=new Map();
  annualPatches.forEach(p=>{
    const key=String(p.taxYear);
    if(!dedupAnnual.has(key))dedupAnnual.set(key,{taxYear:p.taxYear, patch:{}, sourceLabel:''});
    const cur=dedupAnnual.get(key);
    Object.assign(cur.patch, p.patch||{});
    cur.sourceLabel=appendUniqueNote(cur.sourceLabel, p.sourceLabel);
  });
  return {candidates:[], rrspAnnualPatches:Array.from(dedupAnnual.values()), rrspReceiptRows:receiptRows, rrspActivityRows:activityRows, issues, detected:'CRA RRSP document', rrspRecognitionPath:'generic_parser', rrspRecognitionDetail:'Parsed from document content using the generic RRSP parser.'};
}
function getImportSessionCommitCount(session){
  if(!session)return 0;
  return getSelectedTxnCandidateCount(session)+getRrspSelectedCounts(session).total;
}
function mergeRrspAnnualRecord(existing, patchObj){
  const rec=existing?clone(existing):normalizeRrspAnnualRecord({taxYear:patchObj.taxYear});
  const patch=patchObj.patch||{};
  const numericKeys=['availableContributionRoom','deductionLimit','regularPeriodContributions','first60DaysContributions','totalContributionsForReturn','deductionClaimed','unusedContributionsCarryforwardEnd','unusedDeductionRoomEnd','actualRefundOrBalance','actualTotalIncome','actualTaxableIncome','actualTotalPayable'];
  numericKeys.forEach(k=>{
    if(Object.prototype.hasOwnProperty.call(patch,k)){
      const val=safeNum(patch[k]);
      if(val>0 || /^unused/i.test(k) || /^actual/.test(k)) rec[k]=val;
    }
  });
  rec.sourceQuality = existing&&existing.sourceQuality&&existing.sourceQuality!=='Manual' ? existing.sourceQuality : 'CRA document';
  rec.notes = appendUniqueNote(rec.notes, patchObj.sourceLabel||'CRA RRSP import');
  if(safeNum(rec.totalContributionsForReturn)<=0.005 && (safeNum(rec.regularPeriodContributions)>0.005 || safeNum(rec.first60DaysContributions)>0.005)){
    rec.totalContributionsForReturn = safeNum(rec.regularPeriodContributions)+safeNum(rec.first60DaysContributions);
  }
  return rec;
}
function isRrspAnnualPatchAlreadyReflected(existing, patchObj){
  if(!existing||!patchObj||!patchObj.patch)return false;
  const patch=patchObj.patch||{};
  const keys=Object.keys(patch);
  if(!keys.length)return false;
  return keys.every(k=>{
    if(!Object.prototype.hasOwnProperty.call(patch,k))return true;
    return Math.abs(safeNum(existing[k])-safeNum(patch[k]))<=0.005;
  });
}
function annotateRrspAnnualPatch(patchObj){
  const existing=rrspYears.find(r=>String(r.taxYear)===String(patchObj.taxYear));
  const alreadyReflected=isRrspAnnualPatchAlreadyReflected(existing, patchObj);
  const reviewReason=alreadyReflected
    ? appendUniqueNote(patchObj.reviewReason,'This RRSP year already reflects the same values from the selected patch.')
    : String(patchObj.reviewReason||'');
  return Object.assign({}, patchObj, {selected: alreadyReflected ? false : patchObj.selected!==false, alreadyReflected, reviewReason});
}
function applyRrspImportArtifacts(session){
  let annualUpserts=0, annualNoops=0, receiptAdds=0, activityAdds=0;
  (session.rrspAnnualPatches||[]).filter(p=>p.selected!==false).forEach(p=>{
    const idx=rrspYears.findIndex(r=>String(r.taxYear)===String(p.taxYear));
    const existing=idx>=0?rrspYears[idx]:null;
    if(existing&&isRrspAnnualPatchAlreadyReflected(existing,p)){
      annualNoops++;
      return;
    }
    if(idx>=0) rrspYears[idx]=mergeRrspAnnualRecord(rrspYears[idx], p);
    else rrspYears.push(mergeRrspAnnualRecord(null, p));
    annualUpserts++;
  });
  rrspYears.sort((a,b)=>safeNum(a.taxYear)-safeNum(b.taxYear));
  (session.rrspReceiptRows||[]).filter(r=>r.selected!==false).forEach(r=>{
    const key=[String(r.taxYear), String(r.institution||''), String(r.accountId||''), safeNum(r.regularPeriodAmount).toFixed(2), safeNum(r.first60DaysAmount).toFixed(2), String(r.sourceRef||'')].join('|');
    const exists=rrspReceipts.some(x=>[String(x.taxYear), String(x.institution||''), String(x.accountId||''), safeNum(x.regularPeriodAmount).toFixed(2), safeNum(x.first60DaysAmount).toFixed(2), String(x.sourceRef||'')].join('|')===key);
    if(!exists){ rrspReceipts.push(normalizeRrspReceiptRecord(r)); receiptAdds++; }
  });
  rrspReceipts.sort((a,b)=>(safeNum(a.taxYear)-safeNum(b.taxYear))||String(a.institution||'').localeCompare(String(b.institution||'')));
  (session.rrspActivityRows||[]).filter(t=>t.selected!==false).forEach(t=>{
    const exists=rT.some(x=>String(x.d||'')===String(t.d||'') && normalizeRrspType(x.type)===normalizeRrspType(t.type) && canonicalInstitutionName(x.inst||'')===canonicalInstitutionName(t.inst||'') && normalizeCompareAccount('RRSP',x.inst,x.acct)===normalizeCompareAccount('RRSP',t.inst,t.acct) && Math.abs(safeNum(x.amt)-safeNum(t.amt))<=0.005);
    if(!exists){ rT.push(t); activityAdds++; }
  });
  return {annualUpserts, annualNoops, receiptAdds, activityAdds};
}

function detectImportSource(text,fileName,sourceMeta){
  const raw=String(text||'');
  const lower=(raw+' '+String(fileName||'')).toLowerCase();
  const rrspDocHint=/(rrsp|registered retirement savings)/i.test(raw+' '+String(fileName||'')) && /(deduction limit|unused rrsp contributions|prior year rrsp contribution history|schedule\s*7|notice of assessment|\bnoa\b|contribution receipt|rrsp slip|all in kind)/i.test(raw+' '+String(fileName||''));
  const rrspDocSignature=classifyRrspDocumentSignature(fileName,raw);
  if((sourceMeta&&sourceMeta.isPdf)||/\.pdf$/i.test(String(fileName||''))){
    if(/wealthsimple/.test(lower)&&/activity/.test(lower)&&/from:\s*chequing/i.test(raw)&&/to:\s*tfsa/i.test(raw))return 'ws_pdf_disabled';
    if(/wealthsimple/.test(lower)&&/activity/.test(lower)&&/transfer in/i.test(raw)&&/\bfhsa\b/i.test(raw))return 'ws_pdf_disabled';
    if(/wealthsimple/.test(lower)&&/activity/.test(lower)&&/transfer in/i.test(raw)&&/\brrsp\b/i.test(raw))return 'ws_pdf_disabled';
    if(/transactions for /i.test(raw)&&/(tax[- ]?free savings account|tfsa)/i.test(raw))return 'cra_pdf_tfsa';
    if(/fhsa contract number/i.test(raw)&&/(first home savings account|fhsa)/i.test(raw))return 'cra_pdf_fhsa';
    if(rrspDocSignature || rrspDocHint || /calculation of 2025 rrsp deduction limit\.pdf|prior years rrsp deduction limits\.pdf|prior year rrsp contribution history\.pdf|schedule_?7\.pdf|notice_of_assessment_|transfer_form\.pdf|rrsp contribution receipt|questrade rrsp-/i.test(lower))return 'rrsp_cra_doc';
  }
  if(rrspDocSignature || rrspDocHint)return 'rrsp_cra_doc';
  if(/<ofx>|<stmttrn>/i.test(raw))return 'statement_ofx';
  const roomSnapshots=parseCraRoomSnapshots(raw);
  const table=parseTabularText(raw);
  const headers=table.headers;
  const has=(k)=>headers.includes(k);
  if(has('plan')&&has('date')&&has('institution')&&has('account')&&has('type')&&has('amount'))return 'tracker_csv';
  if(roomSnapshots.length&&table.objects.length<2)return 'cra_room';
  const looksLikeWealthsimpleActivity=headers.includes('transaction_date')&&headers.includes('account_id')&&headers.includes('account_type')&&headers.includes('activity_type')&&(headers.includes('net_cash_amount')||headers.includes('quantity'));
  if(looksLikeWealthsimpleActivity)return 'wealthsimple_export';
  if(headers.some(h=>['transaction_date','transaction_type','issuer','financial_institution','contribution_room','participation_room','your_tfsa_contribution_room','your_fhsa_participation_room'].includes(h))||/my account|notice of assessment|cra/.test(lower))return 'cra_export';
  if(headers.some(h=>['date','transaction_date','posted_date','trade_date'].includes(h))&&(headers.some(h=>['amount','net_amount','transaction_amount','net_cash_amount','debit','credit','withdrawal','deposit'].includes(h))||headers.some(h=>['description','memo','details','name'].includes(h))))return 'statement';
  if(table.objects.length)return 'statement';
  return roomSnapshots.length?'cra_room':'unknown';
}
function parseCraRoomSnapshots(text){
  const raw=String(text||'');
  const out=[];
  const patterns=[
    {plan:'TFSA',rx:/(20\d{2})?[^\n]{0,100}(?:tfsa|tax[- ]?free savings account)[^\n]{0,100}(?:contribution room|room)[^\d$]{0,20}\$?\s*([0-9][0-9,]*(?:\.\d{2})?)/ig},
    {plan:'FHSA',rx:/(20\d{2})?[^\n]{0,100}(?:fhsa|first home savings account)[^\n]{0,100}(?:participation room|room)[^\d$]{0,20}\$?\s*([0-9][0-9,]*(?:\.\d{2})?)/ig}
  ];
  patterns.forEach(p=>{
    let m;
    while((m=p.rx.exec(raw))!==null){
      const year=+(m[1]||getCurrentYear());
      const amount=safeNum(String(m[2]||'0').replace(/,/g,''));
      if(year>=2009&&amount>0)out.push({plan:p.plan,year,amount,source:'text'});
    }
  });
  const dedup={};
  out.forEach(s=>{dedup[`${s.plan}-${s.year}`]=s});
  return Object.values(dedup);
}
function inferPlanFromContext(defaultPlan, text, fileName){
  const explicit=normalizePlanValue(defaultPlan);
  if(explicit)return explicit;
  const s=(String(text||'')+' '+String(fileName||'')).toLowerCase();
  if(/fhsa|first home savings/.test(s))return 'FHSA';
  if(/tfsa|tax.?free savings/.test(s))return 'TFSA';
  if(/rrsp|registered retirement savings/.test(s))return 'RRSP';
  return '';
}
function inferStatementType(plan, signedAmt, desc, rawType){
  const d=(String(desc||'')+' '+String(rawType||'')).toLowerCase();
  let type='',reviewReason='';
  if(plan==='TFSA'){
    if(/direct transfer|transfer between tfsa|tfsa transfer|xfer/.test(d)) type=signedAmt>=0?'Transfer In':'Transfer Out';
    else type=signedAmt>=0?'Contribution':'Withdrawal';
    if(/transfer/.test(d)&&!/from:\s*chequing|to:\s*tfsa|tfsa managed|direct transfer|tfsa transfer|xfer/.test(d)) reviewReason='Generic transfer description — confirm whether it was a room-neutral TFSA direct transfer.';
  } else if(plan==='FHSA'){
    if(/rrsp/.test(d)&&signedAmt>=0) type='RRSP Transfer In';
    else if(/qualifying/.test(d)&&signedAmt<0) type='Qualifying Withdrawal';
    else if(/designated/.test(d)&&signedAmt<0) type=/transfer/.test(d)?'Designated Transfer Out':'Designated Withdrawal';
    else if(/transfer in/.test(d)&&/\bfhsa\b/.test(d)&&signedAmt>=0) type='Contribution';
    else if(/direct transfer|transfer between fhsa|fhsa transfer|xfer/.test(d)) type=signedAmt>=0?'FHSA Direct Transfer In':'FHSA Direct Transfer Out';
    else type=signedAmt>=0?'Contribution':'Taxable Withdrawal';
    if(/transfer/.test(d)&&!/transfer in|rrsp|qualifying|designated|direct transfer|fhsa transfer|xfer/.test(d)) reviewReason='Generic transfer description — confirm whether it was RRSP, FHSA direct, or designated.';
  }
  return {type,reviewReason};
}
function buildImportCandidateBase(plan, d, inst, acct, type, amt, note, rowNo, sourceId, reviewReason){
  const base={plan,d,inst:inst||'Imported',acct:acct||'manual',type,amt:Math.abs(safeNum(amt)),note:String(note||'').trim(),rowNo,sourceId:String(sourceId||''),reviewReason:String(reviewReason||'').trim()};
  if(plan==='TFSA')base.treat=base.reviewReason?'Review':'Include';
  else base.status=base.reviewReason?'Review':'Include';
  return base;
}
function buildTrackerCandidates(text){
  const rows=parseCSV(text);
  if(rows.length<2)return {candidates:[],issues:[['row','reason']],detected:'Tracker CSV'};
  const hdr=rows[0].map(h=>String(h||'').trim().toLowerCase());
  const idx=name=>hdr.indexOf(name);
  const missing=['plan','date','institution','account','type','amount'].filter(c=>idx(c)===-1);
  if(missing.length)return {candidates:[],issues:[['row','reason'],['1','Missing columns: '+missing.join(', ')]],detected:'Tracker CSV'};
  const candidates=[],issues=[['row','reason','plan','date','institution','account','type','amount','note']];
  for(let i=1;i<rows.length;i++){
    const r=rows[i];
    if(!r.some(v=>String(v||'').trim()))continue;
    const plan=String(r[idx('plan')]||'').trim().toUpperCase();
    const d=parseFlexibleDate(r[idx('date')],'AUTO');
    const inst=String(r[idx('institution')]||'').trim();
    const acct=String(r[idx('account')]||'').trim()||'manual';
    const rawType=String(r[idx('type')]||'').trim();
    const amt=safeNum(r[idx('amount')]||0);
    const note=idx('note')>-1?String(r[idx('note')]||'').trim():'';
    const sourceId=idx('id')>-1?String(r[idx('id')]||'').trim():'';
    if(!plan||!d||!inst||amt<=0){issues.push([String(i+1),'Missing required field',plan,d,inst,acct,rawType,amt,note]);continue}
    if(plan==='TFSA'){
      const type=normalizeTfsaType(rawType,{strict:true});
      if(!type){issues.push([String(i+1),'Unknown TFSA type',plan,d,inst,acct,rawType,amt,note]);continue}
      const cand=buildImportCandidateBase('TFSA',d,inst,acct,type,amt,note,i+1,sourceId,'');
      cand.treat=idx('treatment')>-1?normalizeFlag(r[idx('treatment')],'Include'):cand.treat;
      candidates.push(cand);
    } else if(plan==='FHSA') {
      const type=normalizeFhsaType(rawType,{strict:true});
      if(!type){issues.push([String(i+1),'Unknown FHSA type',plan,d,inst,acct,rawType,amt,note]);continue}
      const cand=buildImportCandidateBase('FHSA',d,inst,acct,type,amt,note,i+1,sourceId,'');
      cand.status=idx('status')>-1?normalizeFlag(r[idx('status')],'Include'):cand.status;
      candidates.push(cand);
    } else issues.push([String(i+1),'Unknown plan',plan,d,inst,acct,rawType,amt,note]);
  }
  return {candidates,issues,detected:'Tracker CSV'};
}
function buildGenericTableCandidates(text, fileName, opts, sourceKind){
  const parsed=parseTabularText(text);
  const objs=parsed.objects;
  const candidates=[],issues=[['row','reason','plan','date','institution','account','type','amount','note']];
  const aliases={
    plan:['plan','account_type','registered_account','product','accountkind'],
    date:['date','transaction_date','posted_date','trade_date','settlement_date','activity_date','value_date','effective_date'],
    desc:['description','details','memo','name','activity','transaction_description','narrative','particulars','activity_sub_type','symbol'],
    type:['type','transaction_type','activity_type','code','category','event'],
    amount:['amount','net_amount','transaction_amount','cad_amount','gross_amount','net_cash_amount','cash_amount'],
    debit:['debit','withdrawal','money_out','outflow','debits'],
    credit:['credit','contribution','deposit','money_in','inflow','credits'],
    inst:['institution','issuer','financial_institution','broker','bank','company'],
    acct:['account','account_number','account_no','acct','account_id','account_number_masked','account_'],
    note:['note','notes','comments','reference','ref','fitid','memo','details','direction','activity_sub_type','symbol'],
    id:['id','fitid','transaction_id','reference_id']
  };
  const defaultPlan=inferPlanFromContext(opts.plan,text,fileName);
  const defaultInst=String(opts.institution||'').trim();
  const defaultAcct=String(opts.account||'').trim()||'manual';
  objs.forEach(obj=>{
    const rowNo=obj.__rowNo||0;
    const plan=normalizePlanValue(getHeaderValue(obj,aliases.plan))||defaultPlan;
    const d=parseFlexibleDate(getHeaderValue(obj,aliases.date),opts.dateFormat);
    const explicitInst=getHeaderValue(obj,aliases.inst)||defaultInst;
    const inferredInst=(sourceKind==='wealthsimple_export'&&!String(explicitInst||'').trim())?'Wealthsimple':explicitInst;
    const inst=inferredInst;
    const acct=getHeaderValue(obj,aliases.acct)||defaultAcct;
    const desc=getHeaderValue(obj,aliases.desc);
    const rawType=getHeaderValue(obj,aliases.type);
    const sourceId=getHeaderValue(obj,aliases.id);
    const note=[rawType,desc].filter(Boolean).join(' • ');
    let signedAmt=0;
    const rawAmt=getHeaderValue(obj,aliases.amount);
    if(rawAmt!==''&&rawAmt!==null&&rawAmt!==undefined){signedAmt=parseMoneyFlexible(rawAmt)}
    else {
      const credit=parseMoneyFlexible(getHeaderValue(obj,aliases.credit));
      const debit=parseMoneyFlexible(getHeaderValue(obj,aliases.debit));
      if(credit||debit){signedAmt=Math.abs(credit)-Math.abs(debit)}
    }
    if(Math.abs(signedAmt)<=0.0001&&sourceKind==='wealthsimple_export'){
      const fallbackQty=parseMoneyFlexible(getHeaderValue(obj,['quantity']));
      if(Math.abs(fallbackQty)>0.0001)signedAmt=fallbackQty;
    }
    if(opts.signMode==='positive_outflow')signedAmt*=-1;
    if(opts.signMode==='credit_debit'){
      const credit=parseMoneyFlexible(getHeaderValue(obj,aliases.credit));
      const debit=parseMoneyFlexible(getHeaderValue(obj,aliases.debit));
      if(credit||debit)signedAmt=Math.abs(credit)-Math.abs(debit);
    }
    if(!plan){issues.push([String(rowNo),'Could not infer plan',plan,d,inst,acct,rawType||desc,signedAmt,note]);return}
    if(!d){issues.push([String(rowNo),'Invalid or missing date',plan,d,inst,acct,rawType||desc,signedAmt,note]);return}
    if(Math.abs(signedAmt)<=0.0001){issues.push([String(rowNo),'Missing amount',plan,d,inst,acct,rawType||desc,signedAmt,note]);return}
    let type='',reviewReason='';
    if(sourceKind==='cra_export'&&rawType){
      type=plan==='TFSA'?normalizeTfsaType(rawType,{strict:true}):normalizeFhsaType(rawType,{strict:true});
      if(!type){const inferred=inferStatementType(plan,signedAmt,desc,rawType);type=inferred.type;reviewReason=inferred.reviewReason||('Unrecognized CRA transaction type: '+rawType)}
    } else if(sourceKind==='wealthsimple_export'){
      const wealthsimpleType=[rawType,getHeaderValue(obj,['activity_sub_type']),getHeaderValue(obj,['direction']),desc].filter(Boolean).join(' • ');
      const inferred=inferStatementType(plan,signedAmt,desc,wealthsimpleType);
      type=inferred.type;
      reviewReason=inferred.reviewReason;
    } else {
      const explicit=plan==='TFSA'?normalizeTfsaType(rawType,{strict:true}):normalizeFhsaType(rawType,{strict:true});
      if(explicit)type=explicit;
      else {const inferred=inferStatementType(plan,signedAmt,desc,rawType);type=inferred.type;reviewReason=inferred.reviewReason}
    }
    if(!type){issues.push([String(rowNo),'Could not classify transaction',plan,d,inst,acct,rawType||desc,signedAmt,note]);return}
    const normalizeContext=sourceKind==='wealthsimple_export' ? (text+'\nWealthsimple activity export') : text;
    const cand=normalizeImportedCandidate(plan,buildImportCandidateBase(plan,d,inst,acct,type,Math.abs(signedAmt),note,rowNo,sourceId,reviewReason),normalizeContext);
    candidates.push(cand);
  });
  return {candidates,issues,detected:sourceKind==='cra_export'?'CRA export / copied table':(sourceKind==='wealthsimple_export'?'Wealthsimple CSV / XLSX activity export':'Statement CSV / TSV')};
}
function extractOfxTag(block, tag){const m=new RegExp(`<${tag}>([^<\r\n]+)`,'i').exec(block||'');return m?m[1].trim():''}
function parseOfxTransactions(text){
  const raw=String(text||'');
  const blocks=raw.match(/<STMTTRN>[\s\S]*?(?=<STMTTRN>|<\/BANKTRANLIST>|$)/ig)||[];
  const org=extractOfxTag(raw,'ORG')||extractOfxTag(raw,'BROKERID');
  const acct=extractOfxTag(raw,'ACCTID');
  return blocks.map((b,idx)=>({
    rowNo:idx+1,
    dateRaw:extractOfxTag(b,'DTPOSTED'),
    amtRaw:extractOfxTag(b,'TRNAMT'),
    memo:extractOfxTag(b,'MEMO'),
    name:extractOfxTag(b,'NAME'),
    fitid:extractOfxTag(b,'FITID'),
    typeRaw:extractOfxTag(b,'TRNTYPE'),
    inst:org,
    acct
  }));
}
function buildOfxCandidates(text,fileName,opts){
  const rows=parseOfxTransactions(text);
  const candidates=[],issues=[['row','reason','plan','date','institution','account','type','amount','note']];
  const defaultPlan=inferPlanFromContext(opts.plan,text,fileName);
  rows.forEach(r=>{
    const plan=defaultPlan;
    const digits=String(r.dateRaw||'').replace(/[^\d]/g,'');
    const d=digits.length>=8?parseFlexibleDate(digits.slice(0,8),'YMD'):'';
    const signedAmt=parseMoneyFlexible(r.amtRaw);
    const inst=r.inst||opts.institution||'Imported OFX';
    const acct=r.acct||opts.account||'manual';
    const desc=[r.typeRaw,r.name,r.memo].filter(Boolean).join(' • ');
    if(!plan){issues.push([String(r.rowNo),'Choose TFSA or FHSA for this OFX/QFX import',plan,d,inst,acct,r.typeRaw,signedAmt,desc]);return}
    if(!d||Math.abs(signedAmt)<=0.0001){issues.push([String(r.rowNo),'Invalid date or amount',plan,d,inst,acct,r.typeRaw,signedAmt,desc]);return}
    const inferred=inferStatementType(plan,signedAmt,desc,r.typeRaw);
    const cand=normalizeImportedCandidate(plan,buildImportCandidateBase(plan,d,inst,acct,inferred.type,Math.abs(signedAmt),desc,r.rowNo,r.fitid,inferred.reviewReason),text);
    candidates.push(cand);
  });
  return {candidates,issues,detected:'OFX / QFX statement'};
}
function parseCraTfsaPdf(text){
  const lines=String(text||'').replace(/\u00a0/g,' ').split(/\n+/).map(s=>s.replace(/\s+/g,' ').trim()).filter(Boolean);
  let inst='',acct='';
  const candidates=[],issues=[['row','reason','plan','date','institution','account','type','amount','note']];
  lines.forEach((line,idx)=>{
    let m=/^Transactions for\s+(.+?)\s*,\s*([A-Za-z0-9_-]+)\s*$/.exec(line);
    if(m){inst=canonicalInstitutionName(m[1]); acct=m[2].trim(); return}
    if(/^TOTAL\b/i.test(line)||/^Items per page:/i.test(line)||/^Date \$/i.test(line)||/^\d+\/\d+\/\d+/.test(line)||/^https?:/i.test(line))return;
    m=/^(\d{4}-\d{2}-\d{2})\s+([0-9][0-9,]*\.\d{2})\s+([0-9][0-9,]*\.\d{2})$/.exec(line);
    if(!m)return;
    const d=m[1];
    const inflow=safeNum(m[2].replace(/,/g,''));
    const outflow=safeNum(m[3].replace(/,/g,''));
    if(!inst||!acct){issues.push([String(idx+1),'Missing institution context for CRA TFSA row','TFSA',d,inst,acct,'',Math.max(inflow,outflow),'']);return}
    if(inflow>0)candidates.push(normalizeImportedCandidate('TFSA',buildImportCandidateBase('TFSA',d,inst,acct,'Contribution',inflow,'Imported from CRA TFSA PDF',idx+1,'',''),text));
    if(outflow>0)candidates.push(normalizeImportedCandidate('TFSA',buildImportCandidateBase('TFSA',d,inst,acct,'Withdrawal',outflow,'Imported from CRA TFSA PDF',idx+1,'',''),text));
  });
  return {candidates,issues,detected:'CRA TFSA PDF'};
}
function parseCraFhsaPdf(text){
  const raw=String(text||'').replace(/\u00a0/g,' ')
    .replace(/(\d{4})-\s*\n\s*(\d{2}-\d{2})/g,'$1-$2')
    .replace(/TRANSFER IN\s*\n\s*FROM FHSA/ig,'TRANSFER IN FROM FHSA')
    .replace(/FHSA TRANSFER\s*\n\s*OUT/ig,'FHSA TRANSFER OUT')
    .replace(/RRSP TRANSFER\s*\n\s*IN/ig,'RRSP TRANSFER IN')
    .replace(/CRA\s*\n\s*ADJUSTMENT/ig,'CRA ADJUSTMENT');
  const lines=raw.split(/\n+/).map(s=>s.replace(/\s+/g,' ').trim()).filter(Boolean);
  let inst='',acct='';
  const candidates=[],issues=[['row','reason','plan','date','institution','account','type','amount','note']];
  const skipLine=line=>/^Total\b/i.test(line)||/^Date Description /i.test(line)||/^\$ Contributions\//i.test(line)||/^\$ Withdrawals\//i.test(line)||/^Screen ID:/i.test(line)||/^Version:/i.test(line)||/^info\b/i.test(line)||/^\d+\/\d+\/\d+/.test(line)||/^https?:/i.test(line)||/^First Home Savings Account/i.test(line)||/^Transaction Summary$/i.test(line)||/^All Financial Instituti/i.test(line)||/^As of /i.test(line)||/^Your financial institution sent/i.test(line)||/^You should compare/i.test(line)||/^Your previous year/i.test(line)||/^Your statement may also/i.test(line)||/^If you have any questions/i.test(line)||/^Your 2026 FHSA participation room/i.test(line)||/^Any transactions that were made/i.test(line)||/^Select your financial institution/i.test(line)||/^Financial institution/i.test(line)||/^Period \(Optional\)/i.test(line)||/^Start \(Optional\) End \(Optional\)/i.test(line)||/^Contributions, withdrawals, transfers/i.test(line)||/^Contributions only$/i.test(line)||/^Withdrawals only$/i.test(line)||/^Transfers only$/i.test(line)||/^CRA Adjustments only$/i.test(line)||/^Search results$/i.test(line)||/^These transactions were provided/i.test(line)||/^calendar_today/i.test(line)||/^\*View$/i.test(line)||/^radio_button_/i.test(line)||/^Search$/i.test(line);
  const buildType=(desc,amt)=>{
    let type=normalizeFhsaType(desc,{strict:true})||'';
    let reviewReason='';
    if(!type){
      if(/^CONTRIBUTION$/i.test(desc))type='Contribution';
      else if(/^TRANSFER IN FROM FHSA$/i.test(desc))type='FHSA Direct Transfer In';
      else if(/^FHSA TRANSFER OUT$/i.test(desc))type='FHSA Direct Transfer Out';
      else if(/^RRSP TRANSFER IN$/i.test(desc))type='RRSP Transfer In';
      else if(/^CRA ADJUSTMENT$/i.test(desc)){type='Taxable Withdrawal'; reviewReason='CRA adjustment row — review classification before relying on room impact.'}
      else {const inferred=inferStatementType('FHSA',/OUT|WITHDRAWAL/i.test(desc)?-amt:amt,desc,desc); type=inferred.type; reviewReason=inferred.reviewReason||('Unrecognized CRA FHSA type: '+desc)}
    }
    return {type,reviewReason};
  };
  const pushRow=(rowNo,d,desc,amt)=>{
    if(!inst||!acct){issues.push([String(rowNo),'Missing institution context for CRA FHSA row','FHSA',d,inst,acct,desc,amt,'']);return}
    const mapped=buildType(desc,amt);
    candidates.push(normalizeImportedCandidate('FHSA',buildImportCandidateBase('FHSA',d,inst,acct,mapped.type,amt,'Imported from CRA FHSA PDF • '+desc,rowNo,'',mapped.reviewReason),text));
  };
  for(let i=0;i<lines.length;i++){
    const line=lines[i];
    let m=/^Financial Institution:\s*(.+?)\s*$/.exec(line);
    if(m){inst=canonicalInstitutionName(m[1]); continue}
    m=/^FHSA contract number:\s*([A-Za-z0-9_-]+)\s*$/.exec(line);
    if(m){acct=m[1].trim(); continue}
    if(skipLine(line))continue;

    m=/^(\d{4}-\d{2}-\d{2})\s+(.+?)\s+([0-9][0-9,]*\.\d{2})$/.exec(line);
    if(m){pushRow(i+1,m[1],m[2].trim(),safeNum(m[3].replace(/,/g,''))); continue}

    const dm=/^(\d{4}-\d{2}-\d{2})$/.exec(line);
    if(dm){
      const d=dm[1];
      let j=i+1;
      while(j<lines.length&&skipLine(lines[j]))j++;
      if(j>=lines.length)continue;
      let desc=lines[j];
      let amt='';
      let mm=/^(.+?)\s+([0-9][0-9,]*\.\d{2})$/.exec(desc);
      if(mm){
        desc=mm[1].trim();
        amt=mm[2];
        i=j;
      }else{
        let k=j+1;
        while(k<lines.length&&skipLine(lines[k]))k++;
        if(k<lines.length){
          mm=/^([0-9][0-9,]*\.\d{2})$/.exec(lines[k]);
          if(mm){amt=mm[1]; i=k;}
          else {
            mm=/^(.+?)\s+([0-9][0-9,]*\.\d{2})$/.exec(lines[k]);
            if(mm){desc=(desc+' '+mm[1]).trim(); amt=mm[2]; i=k;}
            else {desc=(desc+' '+lines[k]).trim(); i=k;}
          }
        }else{i=j;}
      }
      if(amt){pushRow(i+1,d,desc.trim(),safeNum(String(amt).replace(/,/g,'')));}
      continue;
    }
  }
  return {candidates,issues,detected:'CRA FHSA PDF'};
}
function parseWealthsimpleActivityPdf(sourceMeta, plan){
  const pages=(sourceMeta&&Array.isArray(sourceMeta.pages)?sourceMeta.pages:[]);
  const candidates=[],issues=[['row','reason','plan','date','institution','account','type','amount','note']];
  let carryDate='';
  pages.forEach(page=>{
    const lines=page.lines||[];
    const ref=page.refDate||'';
    let currentDate=carryDate||'';
    let descWindow=[];
    lines.forEach((line,idx)=>{
      const text=String(line.text||'').trim();
      if(!text)return;
      if(/^(Today|Yesterday|[A-Z][a-z]+ \d{1,2}, \d{4})$/.test(text)){
        const iso=resolveRelativeDateLabel(text,ref);
        if(iso)currentDate=iso;
        return;
      }
      if(/^\$[0-9][0-9,]*\.\d{2}\s*CAD$/i.test(text)){
        const amt=safeNum(text.replace(/[$, CAD]/gi,''));
        if(!currentDate){issues.push([String(page.pageNumber)+':'+String(idx+1),'Could not resolve a date for this Wealthsimple PDF row',plan,'','Wealthsimple','','',amt,descWindow.join(' • ')]); return}
        const desc=descWindow.slice(-4).join(' • ');
        let type='',reviewReason='';
        if(plan==='TFSA'){
          if(/from:\s*chequing/i.test(desc)&&/to:\s*tfsa/i.test(desc))type='Contribution';
          else if(/from:\s*tfsa/i.test(desc)||/withdraw/i.test(desc))type='Withdrawal';
          else {type='Contribution'; reviewReason='Wealthsimple TFSA PDF row used contribution fallback — confirm if this was not a withdrawal.'}
        } else {
          if(/transfer in/i.test(desc)&&/\bfhsa\b/i.test(desc))type='Contribution';
          else if(/withdraw/i.test(desc)&&/\bfhsa\b/i.test(desc))type='Taxable Withdrawal';
          else {type='Contribution'; reviewReason='Wealthsimple FHSA PDF row defaulted to Contribution per import preference.'}
        }
        const note=`Imported from Wealthsimple ${plan} PDF`;
        const ctx=(page.text||'')+' '+(sourceMeta?.rawText||'');
        candidates.push(normalizeImportedCandidate(plan,buildImportCandidateBase(plan,currentDate,'Wealthsimple','',type,amt,note,Number(`${page.pageNumber}${String(idx+1).padStart(2,'0')}`),'',reviewReason),ctx));
        return;
      }
      if(/scheduled activities|orders\b|smart investing|https?:\/\//i.test(text))return;
      descWindow.push(text);
      if(descWindow.length>8)descWindow=descWindow.slice(-8);
    });
    const pageDates=(lines||[]).map(l=>resolveRelativeDateLabel(String(l.text||'').trim(),ref)).filter(Boolean);
    if(pageDates.length)carryDate=pageDates[pageDates.length-1];
  });
  return {candidates,issues,detected:`Wealthsimple ${plan} PDF`};
}
function flagIntraSessionDuplicates(candidates, issues, opts){
  const settings=opts||{};
  const strictCounts=new Map();
  const probableSeen=[];
  (candidates||[]).forEach((c,idx)=>{
    const plan=c.plan||'';
    const inst=canonicalInstitutionName(c.inst||'');
    const acct=normalizeCompareAccount(plan,c.inst,c.acct);
    const type=plan==='TFSA'?normalizeTfsaType(c.type):normalizeFhsaType(c.type);
    const flag=plan==='TFSA'?normalizeFlag(c.treat,'Include'):normalizeFlag(c.status,'Include');
    const amount=safeNum(c.amt).toFixed(2);
    const strictKey=[plan,inst,acct,type,amount,String(c.d||''),flag].join('|');
    if(!(c.duplicate||c.probableDuplicate)){
      const seen=strictCounts.get(strictKey)||0;
      if(seen>=1){
        c.duplicate=true;
        c.selected=false;
        c.duplicateReason='Duplicate within current import batch';
        issues.push([String(c.rowNo||idx+1),c.duplicateReason,c.plan,c.d,c.inst,c.acct,c.type,c.amt,c.note||'']);
      }
      strictCounts.set(strictKey,seen+1);
      if(!c.duplicate && !settings.disableProbable){
        const probableKey=[plan,inst,acct,type,amount,flag].join('|');
        const hit=probableSeen.find(p=>p.key===probableKey && Math.abs(daysBetweenIso(p.date,String(c.d||'')))<=1);
        if(hit){
          c.probableDuplicate=true;
          c.selected=false;
          c.duplicateReason='Probable duplicate within current import batch (nearby date match)';
          issues.push([String(c.rowNo||idx+1),c.duplicateReason,c.plan,c.d,c.inst,c.acct,c.type,c.amt,c.note||'']);
        } else {
          probableSeen.push({key:probableKey,date:String(c.d||'')});
        }
      }
    }
    c.previewSeq=idx+1;
  });
}

function buildImportSessionFromSource(text,fileName,opts,sourceMeta){
  const sourceKind=String(opts.sourceKind||'auto');
  const detected=sourceKind==='auto'?detectImportSource(text,fileName,sourceMeta):sourceKind;
  let result={candidates:[],issues:[['row','reason']],detected:detected,rrspAnnualPatches:[],rrspReceiptRows:[],rrspActivityRows:[]};
  const altPdfText=(sourceMeta&&Array.isArray(sourceMeta.pages)&&sourceMeta.pages.some(p=>String(p.altText||'').trim()))
    ? sourceMeta.pages.map(p=>`[[PAGE ${p.pageNumber} ALT]]\n${String(p.altText||'')}`).join('\n\n')
    : '';
  if(detected==='tracker_csv')result=buildTrackerCandidates(text);
  else if(detected==='cra_export')result=buildGenericTableCandidates(text,fileName,opts,'cra_export');
  else if(detected==='wealthsimple_export')result=buildGenericTableCandidates(text,fileName,opts,'wealthsimple_export');
  else if(detected==='statement' || detected==='unknown')result=buildGenericTableCandidates(text,fileName,opts,'statement');
  else if(detected==='statement_ofx')result=buildOfxCandidates(text,fileName,opts);
  else if(detected==='cra_room')result={candidates:[],issues:[['row','reason']],detected:'CRA room snapshot',rrspAnnualPatches:[],rrspReceiptRows:[],rrspActivityRows:[]};
  else if(detected==='cra_pdf_tfsa'){
    result=parseCraTfsaPdf(text);
    if(!result.candidates.length&&altPdfText){ const retry=parseCraTfsaPdf(altPdfText); if(retry.candidates.length)result=retry; }
  } else if(detected==='cra_pdf_fhsa'){
    result=parseCraFhsaPdf(text);
    if(!result.candidates.length&&altPdfText){ const retry=parseCraFhsaPdf(altPdfText); if(retry.candidates.length)result=retry; }
  } else if(detected==='rrsp_cra_doc'){
    result=parseRrspCraDocument(text + (altPdfText?('\n\n'+altPdfText):''), fileName);
  } else if(detected==='ws_pdf_disabled'){
    result={candidates:[],issues:[['row','reason'],['1','Wealthsimple PDF import has been disabled because it was not reliable enough. Use Wealthsimple CSV/XLSX exports instead. In Wealthsimple, open Activity and use Export to download CSV or XLSX.']],detected:'Wealthsimple PDF (disabled)',rrspAnnualPatches:[],rrspReceiptRows:[],rrspActivityRows:[]};
  }
  const roomSnapshots=parseCraRoomSnapshots(text + (altPdfText?('\n\n'+altPdfText):''));
  const mergeMode=String(opts.mergeMode||'skip');
  const isCraPdf=result.detected==='CRA TFSA PDF'||result.detected==='CRA FHSA PDF';
  const previewSessionMeta={sourceDetected:result.detected,fileName:String(fileName||''),candidates:result.candidates,sourceMeta:sourceMeta||null};
  const useProbableDateMatch=shouldUseProbableDateMatchForSession(previewSessionMeta);
  const dupOpts=mergeMode==='keep_distinct'?{respectDistinctIds:true,ignoreNote:true,canonicalize:true,useProbableDateMatch:useProbableDateMatch,allowDateTypeAmountMatch:isCraPdf}:{ignoreNote:true,canonicalize:true,useProbableDateMatch:useProbableDateMatch,allowDateTypeAmountMatch:isCraPdf};
  const today=todayISO();
  const ledgerPools={TFSA:buildLedgerMatchPool('TFSA',tT,dupOpts),FHSA:buildLedgerMatchPool('FHSA',fT,dupOpts)};
  result.candidates=(result.candidates||[]).map((c,idx)=>{
    const temp=Object.assign({},c);
    const dup=consumeLedgerPoolMatch(c.plan,temp,ledgerPools[c.plan]||[],dupOpts);
    const futureDateWarning=String(c.d||'')>today;
    let reviewReason=String(c.reviewReason||'').trim();
    if(futureDateWarning){
      reviewReason=reviewReason?`${reviewReason} Future-dated row — confirm the booking or settlement date before importing.`:'Future-dated row — confirm the booking or settlement date before importing.';
    }
    return Object.assign({},c,{duplicate:dup.match,probableDuplicate:dup.probable,duplicateReason:dup.reason,previewSeq:idx+1,futureDateWarning,reviewReason,selected:!(dup.match||dup.probable||futureDateWarning)});
  });
  result.rrspAnnualPatches=(result.rrspAnnualPatches||[]).map(x=>annotateRrspAnnualPatch(x));
  result.rrspReceiptRows=(result.rrspReceiptRows||[]).map(x=>Object.assign({selected:true},x));
  result.rrspActivityRows=(result.rrspActivityRows||[]).map(x=>Object.assign({selected:true},x));
  result.candidates.forEach(c=>{ if(c.futureDateWarning){ result.issues.push([String(c.rowNo||c.previewSeq||''),'Future-dated row — confirm the booking or settlement date',c.plan,c.d,c.inst,c.acct,c.type,c.amt,c.note||'']); } });
  if(!isCraPdf)flagIntraSessionDuplicates(result.candidates, result.issues, {disableProbable: detected==='wealthsimple_export'});
  const reviewCount=(result.candidates||[]).filter(c=>(c.treat||c.status)==='Review'||!!c.reviewReason).length;
  const duplicateCount=(result.candidates||[]).filter(c=>c.duplicate||c.probableDuplicate).length;
  const futureDateCount=(result.candidates||[]).filter(c=>c.futureDateWarning).length;
  const duplicateRows=(result.candidates||[]).filter(c=>c.duplicate||c.probableDuplicate).slice(0,20).map(c=>`${c.plan} ${c.d} ${c.type} ${F(c.amt)}${c.duplicateReason?` — ${c.duplicateReason}`:''}`);
  return {sourceDetected:result.detected,fileName:String(fileName||''),roomSnapshots,candidates:result.candidates||[],rrspAnnualPatches:result.rrspAnnualPatches||[],rrspReceiptRows:result.rrspReceiptRows||[],rrspActivityRows:result.rrspActivityRows||[],issues:result.issues||[['row','reason']],reviewCount,duplicateCount,futureDateCount,duplicateRows,parsedRows:(result.candidates&&result.candidates.length||0)+(result.rrspAnnualPatches&&result.rrspAnnualPatches.length||0)+(result.rrspReceiptRows&&result.rrspReceiptRows.length||0)+(result.rrspActivityRows&&result.rrspActivityRows.length||0),mergeMode,options:clone(opts),sourceMeta:sourceMeta||null,rrspRecognitionPath:result.rrspRecognitionPath||'',rrspRecognitionDetail:result.rrspRecognitionDetail||''};
}

function mergeImportSessions(sessions, opts, bundleName){
  const valid=(sessions||[]).filter(Boolean);
  if(!valid.length)return null;
  if(valid.length===1)return valid[0];
  const issues=[['row','reason','plan','date','institution','account','type','amount','note']];
  const roomSnapshots=[];
  const candidates=[];
  const sourceBreakdown=[];
  valid.forEach(sess=>{
    sourceBreakdown.push({fileName:sess.fileName||'',sourceDetected:sess.sourceDetected||'unknown',rows:sess.parsedRows||0,issues:Math.max(0,((sess.issues||[]).length-1))});
    (sess.roomSnapshots||[]).forEach(s=>roomSnapshots.push(Object.assign({sourceFile:sess.fileName||''},s)));
    (sess.issues||[]).slice(1).forEach(r=>issues.push(r));
    (sess.candidates||[]).forEach(c=>candidates.push(Object.assign({},c,{sourceFile:sess.fileName||''})));
  });
  const hasWealthsimpleSession=valid.some(s=>String(s.sourceDetected||'')==='Wealthsimple CSV / XLSX activity export');
  flagIntraSessionDuplicates(candidates, issues, {disableProbable: hasWealthsimpleSession});
  candidates.forEach(c=>{
    if(c.duplicateReason==='Duplicate within current import batch')c.duplicateReason='Duplicate within selected files';
    if(c.duplicateReason==='Probable duplicate within current import batch (nearby date match)')c.duplicateReason='Probable duplicate within selected files (nearby date match)';
  });
  const reviewCount=candidates.filter(c=>(c.treat||c.status)==='Review'||!!c.reviewReason).length;
  const duplicateCount=candidates.filter(c=>c.duplicate||c.probableDuplicate).length;
  const futureDateCount=candidates.filter(c=>c.futureDateWarning).length;
  const duplicateRows=candidates.filter(c=>c.duplicate||c.probableDuplicate).slice(0,20).map(c=>`${c.plan} ${c.d} ${c.type} ${F(c.amt)}${c.duplicateReason?` — ${c.duplicateReason}`:''}`);
  return {
    sourceDetected:'Multi-file import bundle',
    fileName:String(bundleName||`${valid[0].fileName||'Import'} + ${valid.length-1} more`),
    roomSnapshots,
    candidates,
    issues,
    reviewCount,
    duplicateCount,
    futureDateCount,
    duplicateRows,
    parsedRows:candidates.length,
    mergeMode:String(opts&&opts.mergeMode||'skip'),
    options:clone(opts||{}),
    sourceMeta:{fileType:'bundle'},
    sourceBreakdown
  };
}
function daysBetweenIso(a,b){
  const da=parseIsoDate(a), db=parseIsoDate(b);
  if(!da||!db)return 9999;
  const ta=Date.UTC(da.y,da.m-1,da.d), tb=Date.UTC(db.y,db.m-1,db.d);
  return Math.round((ta-tb)/86400000);
}

function escapeHtml(v){return String(v??'').replace(/&/g,'&amp;').replace(/</g,'&lt;').replace(/>/g,'&gt;')}

function importPreviewTxnsFromSession(session){
  if(!session||!session.candidates)return {tfsa:[],fhsa:[],all:[]};
  const nextSeqBase=Math.max(0,...tT.map(t=>safeNum(t.seq)),...fT.map(t=>safeNum(t.seq)))+1;
  let seq=nextSeqBase;
  const tfsa=[],fhsa=[],all=[];
  session.candidates.forEach(c=>{
    if(c.duplicate||c.probableDuplicate||!c.selected)return;
    const base={id:c.sourceId||'',d:c.d,inst:c.inst,acct:c.acct,type:c.type,amt:c.amt,note:c.note||''};
    let txn;
    if(c.plan==='TFSA') txn=ensureTxnIdentity('TFSA',Object.assign(base,{treat:c.treat||'Include'}),seq++);
    else txn=ensureTxnIdentity('FHSA',Object.assign(base,{status:c.status||'Include'}),seq++);
    all.push(txn);
    if(c.plan==='TFSA')tfsa.push(txn); else fhsa.push(txn);
  });
  return {tfsa,fhsa,all};
}
function sumYearsField(years,key){
  return Object.values(years||{}).reduce((s,y)=>s+safeNum(y&&y[key]),0);
}
function formatDeltaMoney(v){
  const n=safeNum(v);
  const cls=n>0.005?'red':(n<-0.005?'green':'dim');
  const sign=n>0.005?'+':(n<-0.005?'−':'');
  return `<span class="${cls}">${Math.abs(n)<=0.005?'0.00':(sign+F(Math.abs(n)))}</span>`;
}
function formatImpactDelta(v,mode='neutral'){
  const n=safeNum(v);
  if(Math.abs(n)<=0.005)return `<span class="dim">0.00</span>`;
  const sign=n>0?'+':'−';
  let cls='blue';
  if(mode==='room') cls=n>0?'green':'red';
  else if(mode==='risk') cls=n>0?'red':'green';
  else if(mode==='neutral') cls='blue';
  return `<span class="${cls}">${sign+F(Math.abs(n))}</span>`;
}
function buildImportTotalsSummary(session){
  if(!session||!Array.isArray(session.candidates)||!session.candidates.length)return '';
  const totals={TFSA:{parsed:0,selected:0,rows:0,selectedRows:0},FHSA:{parsed:0,selected:0,rows:0,selectedRows:0}};
  session.candidates.forEach(c=>{
    const plan=(c.plan==='FHSA')?'FHSA':'TFSA';
    const amt=safeNum(c.amt);
    totals[plan].parsed+=amt;
    totals[plan].rows++;
    if(c.selected && !(c.duplicate||c.probableDuplicate)){
      totals[plan].selected+=amt;
      totals[plan].selectedRows++;
    }
  });
  const tf=totals.TFSA, fh=totals.FHSA;
  return `<div class="note-box mt-lg"><h3>Import totals preview</h3>
    <p class="note-inline"><b>TFSA</b> — parsed ${tf.rows} row(s) totaling ${F(tf.parsed)} • currently selected ${tf.selectedRows} row(s) totaling ${F(tf.selected)} • selection delta ${formatImpactDelta(tf.selected-tf.parsed,'neutral')}</p>
    <p class="note-inline"><b>FHSA</b> — parsed ${fh.rows} row(s) totaling ${F(fh.parsed)} • currently selected ${fh.selectedRows} row(s) totaling ${F(fh.selected)} • selection delta ${formatImpactDelta(fh.selected-fh.parsed,'neutral')}</p>
    <p class="note-inline">For historical files that should already be embedded, the selected totals should usually stay near zero after duplicate filtering.</p>
  </div>`;
}
function buildImportImpactSummary(session){
  if(!session)return null;
  const adds=importPreviewTxnsFromSession(session);
  const cy=getCurrentYear();
  const beforeT=calcTFSA(tT), afterT=calcTFSA(tT.concat(adds.tfsa));
  const beforeF=calcFHSA(fT), afterF=calcFHSA(fT.concat(adds.fhsa));
  const bTy=beforeT.years[cy]||{}, aTy=afterT.years[cy]||{};
  const bFy=beforeF.years[cy]||{}, aFy=afterF.years[cy]||{};
  return {
    newRows:adds.all.length,
    tfsaNew:adds.tfsa.length,
    fhsaNew:adds.fhsa.length,
    tfsa:{
      countedAllDelta: sumYearsField(afterT.years,'contribs')-sumYearsField(beforeT.years,'contribs'),
      countedCurrentDelta: safeNum(aTy.contribs)-safeNum(bTy.contribs),
      roomDelta: safeNum(aTy.yeRoom)-safeNum(bTy.yeRoom),
      excessDelta: safeNum(aTy.yeExcess)-safeNum(bTy.yeExcess),
      taxDelta: sumYearsField(afterT.years,'tax')-sumYearsField(beforeT.years,'tax'),
      transferDelta: sumYearsField(afterT.years,'transferIn')+sumYearsField(afterT.years,'transferOut')-(sumYearsField(beforeT.years,'transferIn')+sumYearsField(beforeT.years,'transferOut'))
    },
    fhsa:{
      countedAllDelta: sumYearsField(afterF.years,'countedInflows')-sumYearsField(beforeF.years,'countedInflows'),
      countedCurrentDelta: safeNum(aFy.countedInflows)-safeNum(bFy.countedInflows),
      roomDelta: safeNum(aFy.yeRoom)-safeNum(bFy.yeRoom),
      excessDelta: safeNum(aFy.yeExcess)-safeNum(bFy.yeExcess),
      taxDelta: sumYearsField(afterF.years,'tax')-sumYearsField(beforeF.years,'tax'),
      directTransferDelta: sumYearsField(afterF.years,'directTransfers')-sumYearsField(beforeF.years,'directTransfers'),
      lifetimeLeftDelta: safeNum(aFy.lifetimeLeft)-safeNum(bFy.lifetimeLeft)
    }
  };
}
function buildCraImportBreakdown(session){
  if(!session)return '';
  if(session.sourceDetected==='CRA FHSA PDF'){
    const existingAccts=new Set(fT.map(t=>canonicalInstitutionName(t.inst)+'|'+normalizeCompareAccount('FHSA',t.inst,t.acct)));
    let contribDup=0, contribNew=0, transferDup=0, transferNew=0, otherAcct=0;
    session.candidates.forEach(c=>{
      const acctKey=canonicalInstitutionName(c.inst)+'|'+normalizeCompareAccount('FHSA',c.inst,c.acct);
      const meta=fhsaTypeMeta(normalizeFhsaType(c.type));
      const isTransfer=(meta.bucket==='excluded_transfer'||meta.bucket==='designated_amount');
      if(!existingAccts.has(acctKey))otherAcct++;
      if(isTransfer){ if(c.duplicate||c.probableDuplicate)transferDup++; else transferNew++; }
      else if(c.type==='Contribution' || meta.bucket==='counted_inflow'){ if(c.duplicate||c.probableDuplicate)contribDup++; else contribNew++; }
    });
    return `<div class="note-box mt-lg"><h3>CRA FHSA import breakdown</h3>
      <p>• Contribution duplicates already in ledger: <b>${contribDup}</b></p>
      <p>• New contribution rows not in ledger: <b>${contribNew}</b></p>
      <p>• Direct/designated transfer duplicates already in ledger: <b>${transferDup}</b></p>
      <p>• Direct/designated transfer rows not in ledger: <b>${transferNew}</b></p>
      <p>• Rows on accounts not currently in ledger: <b>${otherAcct}</b></p>
      <p class="note-inline">This split is shown because CRA FHSA summaries can include direct FHSA transfers and rows from other FHSA contracts, even when your ledger mainly stores contribution history.</p></div>`;
  }
  if(session.sourceDetected==='CRA TFSA PDF'){
    let contribDup=0, contribNew=0, wdDup=0, wdNew=0;
    session.candidates.forEach(c=>{
      if(c.type==='Contribution'){ if(c.duplicate||c.probableDuplicate)contribDup++; else contribNew++; }
      else if(c.type==='Withdrawal'){ if(c.duplicate||c.probableDuplicate)wdDup++; else wdNew++; }
    });
    return `<div class="note-box mt-lg"><h3>CRA TFSA import breakdown</h3>
      <p>• Contribution duplicates already in ledger: <b>${contribDup}</b></p>
      <p>• New contribution rows not in ledger: <b>${contribNew}</b></p>
      <p>• Withdrawal duplicates already in ledger: <b>${wdDup}</b></p>
      <p>• New withdrawal rows not in ledger: <b>${wdNew}</b></p>
      <p class="note-inline">For a historical CRA TFSA summary that should already be fully embedded, new contribution rows should normally be rare. Use the impact estimate below before importing.</p></div>`;
  }
  return '';
}
function buildImportImpactHtml(session){
  const impact=buildImportImpactSummary(session);
  if(!impact)return '';
  const tf=impact.tfsa, fh=impact.fhsa;
  const warn=(safeNum(tf.countedAllDelta)>0.005||safeNum(fh.countedAllDelta)>0.005||safeNum(tf.taxDelta)>0.005||safeNum(fh.taxDelta)>0.005);
  return `<div class="note-box mt-lg ${warn?'warn-box':''}"><h3>Estimated impact if you import the new rows</h3>
    <p>Only rows that are <b>selected for import</b> and not marked duplicate are included in this estimate.</p>
    <p class="note-inline"><b>TFSA</b> — all-time counted contributions Δ: ${formatImpactDelta(tf.countedAllDelta,'neutral')} • current-year counted contributions Δ: ${formatImpactDelta(tf.countedCurrentDelta,'neutral')} • year-end room Δ: ${formatImpactDelta(tf.roomDelta,'room')} • excess Δ: ${formatImpactDelta(tf.excessDelta,'risk')} • tax Δ: ${formatImpactDelta(tf.taxDelta,'risk')} • transfer-history Δ: ${formatImpactDelta(tf.transferDelta,'neutral')}</p>
    <p class="note-inline"><b>FHSA</b> — all-time counted inflows Δ: ${formatImpactDelta(fh.countedAllDelta,'neutral')} • current-year counted inflows Δ: ${formatImpactDelta(fh.countedCurrentDelta,'neutral')} • year-end room Δ: ${formatImpactDelta(fh.roomDelta,'room')} • excess Δ: ${formatImpactDelta(fh.excessDelta,'risk')} • tax Δ: ${formatImpactDelta(fh.taxDelta,'risk')} • direct-transfer history Δ: ${formatImpactDelta(fh.directTransferDelta,'neutral')} • lifetime-left Δ: ${formatImpactDelta(fh.lifetimeLeftDelta,'room')}</p>
    ${warn?'<p class="note-inline"><b>Caution:</b> this import appears to change counted contribution/inflow or tax results. Review carefully before importing historical CRA data.</p>':'<p class="note-inline"><span class="green">No counted-inflow or tax drift detected from the net-new rows.</span></p>'}
  </div>`;
}


function getSelectedTxnCandidateCount(session){
  return ((session&&session.candidates)||[]).filter(c=>c.selected&&!c.duplicate&&!c.probableDuplicate).length;
}
function getRrspSelectedCounts(session){
  const annual=((session&&session.rrspAnnualPatches)||[]).filter(x=>x.selected!==false && !x.alreadyReflected).length;
  const receipts=((session&&session.rrspReceiptRows)||[]).filter(x=>x.selected!==false).length;
  const activity=((session&&session.rrspActivityRows)||[]).filter(x=>x.selected!==false).length;
  return {annual,receipts,activity,total:annual+receipts+activity};
}
function setRrspArtifactSelection(mode){
  if(!importSession)return;
  const selected=(mode!=='none');
  importSession.rrspAnnualPatches=(importSession.rrspAnnualPatches||[]).map(x=>Object.assign({},x,{selected:x.alreadyReflected?false:selected}));
  importSession.rrspReceiptRows=(importSession.rrspReceiptRows||[]).map(x=>Object.assign({},x,{selected}));
  importSession.rrspActivityRows=(importSession.rrspActivityRows||[]).map(x=>Object.assign({},x,{selected}));
  renderImportPreview();
}
function toggleRrspAnnualPatch(idx){
  if(!importSession||!importSession.rrspAnnualPatches||!importSession.rrspAnnualPatches[idx])return;
  const x=importSession.rrspAnnualPatches[idx];
  if(x.alreadyReflected)return;
  importSession.rrspAnnualPatches[idx]=Object.assign({},x,{selected:x.selected===false});
  renderImportPreview();
}
function toggleRrspReceiptRow(idx){
  if(!importSession||!importSession.rrspReceiptRows||!importSession.rrspReceiptRows[idx])return;
  const x=importSession.rrspReceiptRows[idx];
  importSession.rrspReceiptRows[idx]=Object.assign({},x,{selected:x.selected===false});
  renderImportPreview();
}
function toggleRrspActivityRow(idx){
  if(!importSession||!importSession.rrspActivityRows||!importSession.rrspActivityRows[idx])return;
  const x=importSession.rrspActivityRows[idx];
  importSession.rrspActivityRows[idx]=Object.assign({},x,{selected:x.selected===false});
  renderImportPreview();
}
function rrspRelevantFieldEntries(patchObj){
  const p=(patchObj&&patchObj.patch)||{};
  const parts=[];
  const order=[
    ['availableContributionRoom','Avail. room'],
    ['deductionLimit','Deduct. limit'],
    ['regularPeriodContributions','Regular'],
    ['first60DaysContributions','First 60'],
    ['totalContributionsForReturn','Total'],
    ['deductionClaimed','Deducted'],
    ['unusedContributionsCarryforwardEnd','Carry fwd'],
    ['unusedDeductionRoomEnd','Unused room'],
    ['actualRefundOrBalance','NOA refund/balance']
  ];
  const explicitKeys=Object.keys(p);
  order.forEach(([k,label])=>{
    if(!Object.prototype.hasOwnProperty.call(p,k))return;
    const v=safeNum(p[k]);
    const keep=Math.abs(v)>0.005 || explicitKeys.length===1 || /^unused/i.test(k);
    if(keep)parts.push({key:k,label,value:v,text:`${label}: ${F(v)}`});
  });
  return parts;
}
function rrspPatchSummary(patchObj){
  const parts=rrspRelevantFieldEntries(patchObj).map(x=>x.text);
  return parts.join(' • ')||'No import-relevant RRSP changes detected';
}
function rrspAnnualPatchEffect(patchObj){
  if(patchObj&&patchObj.alreadyReflected)return 'already reflected — no RRSP annual change';
  const p=(patchObj&&patchObj.patch)||{};
  const parts=[];
  if(['availableContributionRoom','deductionLimit','unusedDeductionRoomEnd'].some(k=>Object.prototype.hasOwnProperty.call(p,k))) parts.push('update CRA room / deduction-limit data');
  if(['regularPeriodContributions','first60DaysContributions','totalContributionsForReturn','deductionClaimed','unusedContributionsCarryforwardEnd'].some(k=>Object.prototype.hasOwnProperty.call(p,k))) parts.push('update contribution / deduction amounts');
  if(['actualRefundOrBalance','actualTotalIncome','actualTaxableIncome','actualTotalPayable'].some(k=>Object.prototype.hasOwnProperty.call(p,k))) parts.push('add NOA outcome context');
  return parts.join(' + ')||'update RRSP annual record';
}
function rrspReceiptEffect(row){
  const regular=safeNum(row&&row.regularPeriodAmount);
  const first60=safeNum(row&&row.first60DaysAmount);
  if(regular>0.005 && first60>0.005) return 'add receipt support for regular + first-60 windows';
  if(first60>0.005) return 'add receipt support for first-60 window';
  if(regular>0.005) return 'add receipt support for regular window';
  return 'add receipt support row';
}
function rrspActivityEffect(row){
  const roomEffect=String((row&&row.roomEffect)||'').toLowerCase();
  if(roomEffect==='room_neutral') return 'add room-neutral transfer support';
  if(roomEffect==='consumes_room') return 'add contribution activity support';
  return 'add activity support row';
}
function rrspActivityDetail(row){
  const parts=[];
  const amt=safeNum(row&&row.amt);
  if(amt>0.005) parts.push(F(amt));
  if(row&&row.roomEffect) parts.push(String(row.roomEffect).replace(/_/g,' '));
  if(row&&row.acct) parts.push(`acct ${row.acct}`);
  return parts.join(' • ')||'—';
}
function rrspPreviewImpactSummaryHtml(session){
  if(!session)return '';
  const annual=(session.rrspAnnualPatches||[]).filter(x=>x.selected!==false);
  const receipts=(session.rrspReceiptRows||[]).filter(x=>x.selected!==false);
  const activity=(session.rrspActivityRows||[]).filter(x=>x.selected!==false);
  const lines=[];
  const alreadyReflected=((session.rrspAnnualPatches||[]).filter(x=>x.alreadyReflected).length);
  if(annual.length) lines.push(`${annual.length} annual patch row(s) will update RRSP year-level records.`);
  if(alreadyReflected) lines.push(`${alreadyReflected} annual patch row(s) are already reflected and will be skipped.`);
  if(receipts.length) lines.push(`${receipts.length} receipt/support row(s) will be added for reconciliation support.`);
  if(activity.length){
    const neutral=activity.filter(x=>String(x.roomEffect||'').toLowerCase()==='room_neutral').length;
    const consuming=activity.filter(x=>String(x.roomEffect||'').toLowerCase()==='consumes_room').length;
    let msg=`${activity.length} activity/support row(s) will be added.`;
    if(neutral||consuming){
      const bits=[];
      if(neutral) bits.push(`${neutral} room-neutral`);
      if(consuming) bits.push(`${consuming} room-affecting`);
      msg+=` (${bits.join(', ')})`;
    }
    lines.push(msg);
  }
  if(!lines.length) return '';
  return `<div class="import-file-bundle"><b>What will be added if you import the currently selected RRSP rows</b><ul>${lines.map(x=>`<li>${escapeHtml(x)}</li>`).join('')}</ul><p class="dim">Only import-relevant RRSP items are shown below. Unrelated lines from the source document are ignored.</p></div>`;
}


function rrspGuideCoreSteps(){
  return [
    {
      key:'contribution_history',
      title:'Prior year RRSP contribution history',
      acceptedNames:['Prior year RRSP contribution history'],
      extracts:'Annual RRSP contribution totals by tax year.',
      why:'This is the cleanest CRA anchor for historical contribution years.'
    },
    {
      key:'deduction_limits',
      title:'Prior years RRSP deduction limits',
      acceptedNames:['Prior years RRSP deduction limits','Calculation of [year] RRSP deduction limit'],
      extracts:'Available RRSP contribution room and deduction limit chain.',
      why:'This anchors room and deduction-limit history year by year.'
    },
    {
      key:'unused_contributions',
      title:'Calculation of [year] unused RRSP contributions',
      acceptedNames:['Calculation of [year] unused RRSP contributions'],
      extracts:'Unused RRSP contributions carryforward.',
      why:'This confirms whether any prior contribution amount remained undeducted.'
    },
    {
      key:'schedule7',
      title:'Schedule 7',
      acceptedNames:['Schedule 7'],
      extracts:'Regular-period contributions, first-60-days contributions, deductions claimed, carryforward.',
      why:'This is the key filing-window document for how the return actually used RRSP contributions.'
    },
    {
      key:'latest_noa',
      title:'Latest Notice of Assessment',
      acceptedNames:['Notice of Assessment'],
      extracts:'Filed outcome confirmation and next-year RRSP room anchor.',
      why:'This confirms the post-filing CRA outcome and the latest room anchor.'
    }
  ];
}
function rrspGuideOptionalSteps(){
  return [
    {
      key:'receipts',
      title:'RRSP contribution receipt / slip PDFs',
      acceptedNames:['RRSP contribution receipt','RRSP contribution slips'],
      extracts:'Receipt-level support detail for institutions and filing windows.',
      why:'Recommended support detail, but not a substitute for the CRA core documents.'
    },
    {
      key:'transfer_support',
      title:'RRSP transfer confirmation / transfer form',
      acceptedNames:['transfer form','direct transfer confirmation'],
      extracts:'Room-neutral transfer evidence.',
      why:'Useful when assets moved between institutions and should not count as a new contribution.'
    }
  ];
}
function classifyRrspGuideCategoriesFromText(name, detected){
  const s=String(name||'').toLowerCase();
  const d=String(detected||'').toLowerCase();
  const keys=new Set();
  if(/prior\s+year\s+rrsp\s+contribution\s+history/.test(s))keys.add('contribution_history');
  if(/prior\s+years?\s+rrsp\s+deduction\s+limits/.test(s)||/rrsp\s+deduction\s+limit/.test(s))keys.add('deduction_limits');
  if(/unused\s+rrsp\s+contributions?/.test(s))keys.add('unused_contributions');
  if(/schedule[_\s-]*7/.test(s))keys.add('schedule7');
  if(/notice[_\s-]*of[_\s-]*assessment|notice of assessment/.test(s))keys.add('latest_noa');
  if(/rrsp\s+contribution\s+receipt|rrsp\s+contribution\s+slip/.test(s))keys.add('receipts');
  if(/transfer\s+form|direct\s+transfer|institutional\s+transfer/.test(s))keys.add('transfer_support');
  if(!keys.size && /cra rrsp document/.test(d)){
    if(/schedule[_\s-]*7/.test(s))keys.add('schedule7');
    if(/notice/.test(s)&&/assessment/.test(s))keys.add('latest_noa');
  }
  return Array.from(keys);
}
function getActiveProfileImportHistory(){
  const hist=Array.isArray(uiPrefs&&uiPrefs.importHistory)?uiPrefs.importHistory:[];
  const profile=getActiveProfileLabel();
  return hist.filter(item=>String(item.profile||'')===String(profile));
}
function getRrspGuideKeysForSession(session){
  const keys=new Set();
  const addFrom=(name,detected)=>classifyRrspGuideCategoriesFromText(name,detected).forEach(k=>keys.add(k));
  if(!session)return [];
  addFrom(session.fileName||'',session.sourceDetected||'');
  (session.sourceBreakdown||[]).forEach(src=>addFrom(src.fileName||'',src.sourceDetected||''));
  return Array.from(keys);
}
function buildRrspGuideCoverage(session){
  const seen={};
  const sourceFiles=[];
  const addSource=(name,detected,origin)=>{
    const fileName=String(name||'').trim();
    if(!fileName)return;
    sourceFiles.push({fileName,detected:String(detected||''),origin});
  };
  getActiveProfileImportHistory().forEach(item=>{
    if(item.kind!=='analyze'&&item.kind!=='commit')return;
    addSource(item.fileName||'',item.source||'',item.kind);
    (Array.isArray(item.rrspGuideKeys)?item.rrspGuideKeys:[]).forEach(key=>{
      if(!seen[key])seen[key]={origins:new Set(),files:new Set()};
      seen[key].origins.add(item.kind||'history');
      if(item.fileName)seen[key].files.add(item.fileName);
    });
  });
  if(session){
    addSource(session.fileName||'',session.sourceDetected||'','current');
    (session.sourceBreakdown||[]).forEach(src=>addSource(src.fileName||'',src.sourceDetected||'','current'));
  }
  sourceFiles.forEach(src=>{
    classifyRrspGuideCategoriesFromText(src.fileName,src.detected).forEach(key=>{
      if(!seen[key])seen[key]={origins:new Set(),files:new Set()};
      seen[key].origins.add(src.origin||'current');
      seen[key].files.add(src.fileName||'');
    });
  });
  const core=rrspGuideCoreSteps().map((step,idx)=>Object.assign({},step,{
    stepNumber:idx+1,
    done:!!seen[step.key],
    files:seen[step.key]?Array.from(seen[step.key].files):[],
    origins:seen[step.key]?Array.from(seen[step.key].origins):[]
  }));
  const optional=rrspGuideOptionalSteps().map((step,idx)=>Object.assign({},step,{
    stepNumber:core.length+idx+1,
    done:!!seen[step.key],
    files:seen[step.key]?Array.from(seen[step.key].files):[],
    origins:seen[step.key]?Array.from(seen[step.key].origins):[]
  }));
  const completedCore=core.filter(x=>x.done).length;
  const nextCore=core.find(x=>!x.done)||null;
  return {core, optional, completedCore, totalCore:core.length, nextCore};
}
function rrspGuideStepStatusLabel(step){
  return step.done?'Loaded':'Pending';
}
function rrspGuideStepHint(step){
  if(step.done){
    const src=step.files&&step.files.length?step.files[0]:'';
    return src?`Seen from: ${src}`:'Seen in this profile.';
  }
  return 'Load next if you want a complete CRA-first RRSP assessment.';
}
function rrspGuideChecklistHtml(session){
  const coverage=buildRrspGuideCoverage(session);
  const pending=coverage.totalCore-coverage.completedCore;
  const warning=pending>0
    ? `<div class="note-box warning mt-sm"><h3>RRSP assessment is still incomplete</h3><p><b>${coverage.completedCore} of ${coverage.totalCore}</b> core CRA document step(s) are loaded for this profile. Until all core steps are loaded, treat the RRSP view as a partial assessment.</p>${coverage.nextCore?`<p><b>Next file to load:</b> Step ${coverage.nextCore.stepNumber} — ${escapeHtml(coverage.nextCore.title)}.</p>`:''}</div>`
    : `<div class="note-box success mt-sm"><h3>Core CRA RRSP document set is loaded</h3><p>All ${coverage.totalCore} core CRA document steps have been seen in this profile. Receipt and transfer support files are optional but still useful for reconciliation detail.</p></div>`;
  let h=`<div class="import-file-bundle"><b>RRSP document guide</b><p class="dim">Use this order if you are new to RRSP reconciliation. The checklist tracks documents you have analyzed or imported in the active profile.</p>${warning}`;
  h+='<div class="overflow" style="margin-top:10px"><table class="mobile-stack"><thead><tr><th>Step</th><th>Status</th><th>Generic document name to load</th><th>What Headroom will extract</th><th>Why it matters</th></tr></thead><tbody>';
  coverage.core.forEach(step=>{
    const names=step.acceptedNames.join(' or ');
    h+=`<tr><td data-label="Step">${step.stepNumber}</td><td data-label="Status"><b>${escapeHtml(rrspGuideStepStatusLabel(step))}</b><div class="dim">${escapeHtml(rrspGuideStepHint(step))}</div></td><td data-label="Generic document name to load">${escapeHtml(names)}</td><td data-label="What Headroom will extract">${escapeHtml(step.extracts)}</td><td data-label="Why it matters">${escapeHtml(step.why)}</td></tr>`;
  });
  h+='</tbody></table></div>';
  h+='<div class="import-file-bundle" style="margin-top:10px"><b>Recommended support files after the core CRA set</b><ul>';
  coverage.optional.forEach(step=>{
    h+=`<li><b>${escapeHtml(step.title)}</b> — ${escapeHtml(step.extracts)} ${step.done?`<span class="dim">(loaded)</span>`:''}</li>`;
  });
  h+='</ul><p class="dim">Only import-relevant RRSP fields are extracted for preview and import. Extra lines from the document are ignored.</p></div></div>';
  return h;
}


function getSessionCandidatePlans(session){
  const plans=new Set();
  if(!session)return [];
  (session.candidates||[]).forEach(c=>{
    const plan=normalizePlanValue(c&&c.plan);
    if(plan)plans.add(plan);
  });
  if((session.rrspAnnualPatches&&session.rrspAnnualPatches.length)||(session.rrspReceiptRows&&session.rrspReceiptRows.length)||(session.rrspActivityRows&&session.rrspActivityRows.length))plans.add('RRSP');
  return Array.from(plans);
}
function classifyAccountGuideKeysFromText(name, detected, planHints){
  const s=String(name||'').toLowerCase();
  const d=String(detected||'').toLowerCase();
  const planArr=Array.isArray(planHints)?planHints:[planHints];
  const plans=new Set(planArr.map(p=>normalizePlanValue(p)).filter(Boolean));
  const keys=new Set();

  if(d==='cra tfsa pdf' || ((/tfsa|tax[- ]?free savings/.test(s+' '+d)) && /transaction summary/.test(s+' '+d))) keys.add('tfsa_cra_summary');
  if(d==='cra fhsa pdf' || ((/fhsa|first home savings/.test(s+' '+d)) && /transaction summary/.test(s+' '+d))) keys.add('fhsa_cra_summary');

  const looksLikeExport=/wealthsimple csv \/ xlsx activity export/.test(d)||/\.(csv|xlsx|xls)\b/.test(s)||/activity export|last ?3 ?months|recent transactions?/.test(s);
  if(looksLikeExport){
    if(plans.has('TFSA') || (/tfsa/.test(s) && !/fhsa/.test(s))) keys.add('tfsa_recent_export');
    if(plans.has('FHSA') || (/fhsa/.test(s) && !/tfsa/.test(s))) keys.add('fhsa_recent_export');
  }
  return Array.from(keys);
}
function getAccountGuideKeysForSession(session){
  const keys=new Set();
  const plans=getSessionCandidatePlans(session);
  const addFrom=(name,detected,planHints)=>classifyAccountGuideKeysFromText(name,detected,planHints).forEach(k=>keys.add(k));
  if(!session)return [];
  addFrom(session.fileName||'',session.sourceDetected||'',plans);
  (session.sourceBreakdown||[]).forEach(src=>addFrom(src.fileName||'',src.sourceDetected||'',plans));
  return Array.from(keys);
}
function tfsaGuideSteps(){
  return {
    core:{
      key:'tfsa_cra_summary',
      stepNumber:1,
      title:'CRA TFSA transaction summary',
      acceptedNames:['Tax-Free Savings Account (TFSA) Transaction summary','TFSA transaction summary PDF'],
      where:'CRA My Account → TFSA → Transaction summary (PDF).',
      extracts:'TFSA contribution and withdrawal rows by institution and account from the CRA year-end summary.',
      why:'This is the required CRA anchor for TFSA history. The CRA PDF states that current-year transactions are not included.'
    },
    optional:{
      key:'tfsa_recent_export',
      stepNumber:2,
      title:'Recent TFSA institution activity export',
      acceptedNames:['TFSA activity export CSV/XLSX','TFSA recent transactions export'],
      where:'Your bank or broker activity / history export screen (CSV or XLSX).',
      extracts:'Recent TFSA contributions and withdrawals that may not yet appear in the CRA year-end summary.',
      why:'Recommended when you want the current year or latest months reflected before CRA catches up.'
    }
  };
}
function fhsaGuideSteps(){
  return {
    core:{
      key:'fhsa_cra_summary',
      stepNumber:1,
      title:'CRA FHSA transaction summary',
      acceptedNames:['First Home Savings Account (FHSA) Transaction Summary','FHSA transaction summary PDF'],
      where:'CRA My Account → FHSA → Transaction Summary (PDF).',
      extracts:'FHSA contributions, withdrawals, direct transfers, RRSP transfers in, and CRA adjustments by contract number.',
      why:'This is the required CRA anchor for FHSA history. The CRA PDF states that current-year transactions are not included.'
    },
    optional:{
      key:'fhsa_recent_export',
      stepNumber:2,
      title:'Recent FHSA institution activity export',
      acceptedNames:['FHSA activity export CSV/XLSX','FHSA recent transactions export'],
      where:'Your bank or broker activity / history export screen (CSV or XLSX).',
      extracts:'Recent FHSA contributions and other import-relevant activity not yet reflected in the CRA year-end summary.',
      why:'Recommended when you want the latest FHSA activity reflected before CRA updates.'
    }
  };
}
function buildSimpleAccountGuideCoverage(account, session){
  const defs=account==='TFSA'?tfsaGuideSteps():fhsaGuideSteps();
  const seen={};
  const addSeen=(key,origin,fileName)=>{
    if(!key)return;
    if(!seen[key])seen[key]={origins:new Set(),files:new Set()};
    if(origin)seen[key].origins.add(origin);
    if(fileName)seen[key].files.add(fileName);
  };
  const hist=getActiveProfileImportHistory();
  hist.forEach(item=>{
    if(item.kind!=='analyze'&&item.kind!=='commit')return;
    const direct=(Array.isArray(item.accountGuideKeys)?item.accountGuideKeys:[]).filter(k=>String(k||'').startsWith(account.toLowerCase()+'_'));
    if(direct.length){
      direct.forEach(key=>addSeen(key,item.kind,item.fileName||''));
      return;
    }
    classifyAccountGuideKeysFromText(item.fileName||'',item.source||'',item.plan||'').filter(k=>String(k||'').startsWith(account.toLowerCase()+'_')).forEach(key=>addSeen(key,item.kind,item.fileName||''));
  });
  if(session){
    getAccountGuideKeysForSession(session).filter(k=>String(k||'').startsWith(account.toLowerCase()+'_')).forEach(key=>addSeen(key,'current',session.fileName||''));
    (session.sourceBreakdown||[]).forEach(src=>{
      classifyAccountGuideKeysFromText(src.fileName||'',src.sourceDetected||'',getSessionCandidatePlans(session)).filter(k=>String(k||'').startsWith(account.toLowerCase()+'_')).forEach(key=>addSeen(key,'current',src.fileName||''));
    });
  }
  const core=Object.assign({},defs.core,{done:!!seen[defs.core.key],files:seen[defs.core.key]?Array.from(seen[defs.core.key].files):[],origins:seen[defs.core.key]?Array.from(seen[defs.core.key].origins):[]});
  const optional=Object.assign({},defs.optional,{done:!!seen[defs.optional.key],files:seen[defs.optional.key]?Array.from(seen[defs.optional.key].files):[],origins:seen[defs.optional.key]?Array.from(seen[defs.optional.key].origins):[]});
  return {account,core,optional};
}
function accountGuideStepHint(step, missingMessage){
  if(step.done){
    const src=step.files&&step.files.length?step.files[0]:'';
    return src?`Seen from: ${src}`:'Seen in this profile.';
  }
  return missingMessage;
}
function buildSimpleAccountGuideHtml(account, session){
  const coverage=buildSimpleAccountGuideCoverage(account, session);
  const core=coverage.core, optional=coverage.optional;
  let warning='';
  if(!core.done){
    warning = optional.done
      ? `<div class="note-box warning mt-sm"><h3>${escapeHtml(account)} assessment is still incomplete</h3><p>You already loaded a recent ${escapeHtml(account)} institution export, but the required CRA ${escapeHtml(account)} transaction summary is still missing. Treat this as a partial, recent-only view until the CRA anchor is loaded.</p><p><b>Next file to load:</b> Step ${core.stepNumber} — ${escapeHtml(core.title)}.</p></div>`
      : `<div class="note-box warning mt-sm"><h3>${escapeHtml(account)} assessment is still incomplete</h3><p>The required CRA ${escapeHtml(account)} transaction summary has not been loaded yet for this profile.</p><p><b>Next file to load:</b> Step ${core.stepNumber} — ${escapeHtml(core.title)}.</p></div>`;
  } else if(!optional.done){
    warning = `<div class="note-box success mt-sm"><h3>${escapeHtml(account)} core CRA anchor is loaded</h3><p>The required CRA ${escapeHtml(account)} summary is already loaded for this profile.</p><p><b>Next recommended file:</b> Step ${optional.stepNumber} — ${escapeHtml(optional.title)} if you want newer activity that CRA may not include yet.</p></div>`;
  } else {
    warning = `<div class="note-box success mt-sm"><h3>${escapeHtml(account)} assessment and recent-activity support are loaded</h3><p>Both the CRA anchor and the recent institution export have been seen in this profile.</p></div>`;
  }
  const parserNote = account==='TFSA'
    ? 'Based on the uploaded TFSA CRA PDF and spreadsheet, Headroom looks for the CRA transaction-summary blocks and only extracts contribution and withdrawal rows. For recent activity, it accepts CSV/XLSX exports like the uploaded Wealthsimple file with headers such as transaction_date, account_id, account_type, activity_type, and net_cash_amount.'
    : 'Based on the uploaded FHSA CRA PDF and spreadsheet, Headroom looks for the CRA transaction-summary blocks with financial institution and FHSA contract number, then extracts only contribution, withdrawal, transfer, and CRA-adjustment rows relevant to FHSA analysis. For recent activity, it accepts CSV/XLSX exports like the uploaded Wealthsimple file with headers such as transaction_date, account_id, account_type, activity_type, and net_cash_amount.';
  const rows=[core, optional];
  let h=`<div class="import-file-bundle"><b>${escapeHtml(account)} document guide</b><p class="dim">Use this order if you are new to ${escapeHtml(account)} imports. The checklist tracks documents you have analyzed or imported in the active profile.</p>${warning}`;
  h+='<div class="overflow" style="margin-top:10px"><table class="mobile-stack"><thead><tr><th>Step</th><th>Status</th><th>Generic document name to load</th><th>Where to get it</th><th>What Headroom will extract</th><th>Why it matters</th></tr></thead><tbody>';
  rows.forEach(step=>{
    const status=step.done?'Loaded':'Pending';
    const hint=accountGuideStepHint(step, step===core?'Load this first to anchor the account.':'Load after the CRA summary if you want more recent activity.');
    h+=`<tr><td data-label="Step">${step.stepNumber}</td><td data-label="Status"><b>${escapeHtml(status)}</b><div class="dim">${escapeHtml(hint)}</div></td><td data-label="Generic document name to load">${escapeHtml(step.acceptedNames.join(' or '))}</td><td data-label="Where to get it">${escapeHtml(step.where)}</td><td data-label="What Headroom will extract">${escapeHtml(step.extracts)}</td><td data-label="Why it matters">${escapeHtml(step.why)}</td></tr>`;
  });
  h+=`</tbody></table></div><p class="dim" style="margin-top:10px">${escapeHtml(parserNote)} Extra lines from the document are ignored.</p></div>`;
  return h;
}
function buildRegisteredAccountImportGuideHtml(session, opts){
  const includeAll=!session;
  const sections=[];
  const includeRrsp=!!(opts&&opts.includeRrsp);
  const plans=new Set(getSessionCandidatePlans(session));
  const guideKeys=session?getAccountGuideKeysForSession(session):[];
  if(includeAll || includeRrsp) sections.push(rrspGuideChecklistHtml(session||null));
  if(includeAll || plans.has('TFSA') || guideKeys.includes('tfsa_cra_summary') || guideKeys.includes('tfsa_recent_export') || String(session&&session.sourceDetected||'')==='CRA TFSA PDF'){
    sections.push(buildSimpleAccountGuideHtml('TFSA', session||null));
  }
  if(includeAll || plans.has('FHSA') || guideKeys.includes('fhsa_cra_summary') || guideKeys.includes('fhsa_recent_export') || String(session&&session.sourceDetected||'')==='CRA FHSA PDF'){
    sections.push(buildSimpleAccountGuideHtml('FHSA', session||null));
  }
  return sections.join('');
}

function importSelectionStats(session){
  if(!session||!session.candidates)return {selected:0,importable:0,duplicates:0,total:0};
  let selected=0, importable=0, duplicates=0;
  session.candidates.forEach(c=>{
    const dup=(c.duplicate||c.probableDuplicate);
    if(dup)duplicates++; else importable++;
    if(c.selected&&!dup)selected++;
  });
  return {selected,importable,duplicates,total:session.candidates.length};
}
function setImportSelection(mode){
  if(!importSession||!importSession.candidates)return;
  importSession.candidates=importSession.candidates.map(c=>{
    const dup=(c.duplicate||c.probableDuplicate);
    if(dup)return Object.assign({},c,{selected:false});
    let selected=!!c.selected;
    if(mode==='all')selected=true;
    else if(mode==='none')selected=false;
    else if(mode==='ready')selected=((c.treat||c.status)!=='Review'&&!c.reviewReason&&!c.futureDateWarning);
    else if(mode==='review')selected=((c.treat||c.status)==='Review'||!!c.reviewReason);
    else if(mode==='warning')selected=!!c.futureDateWarning;
    return Object.assign({},c,{selected});
  });
  renderImportPreview();
}
function toggleImportCandidate(idx){
  if(!importSession||!importSession.candidates||!importSession.candidates[idx])return;
  const c=importSession.candidates[idx];
  if(c.duplicate||c.probableDuplicate)return;
  importSession.candidates[idx]=Object.assign({},c,{selected:!c.selected});
  renderImportPreview();
}

function buildImportRecognitionAlertHtml(session){
  if(!session)return '';
  const hasImportable=!!((session.candidates&&session.candidates.length)||(session.rrspAnnualPatches&&session.rrspAnnualPatches.length)||(session.rrspReceiptRows&&session.rrspReceiptRows.length)||(session.rrspActivityRows&&session.rrspActivityRows.length)||(session.roomSnapshots&&session.roomSnapshots.length));
  const detected=String(session.sourceDetected||'');
  if(detected==='Wealthsimple PDF (disabled)'){
    return `<div class="panel" style="margin:10px 0;border:1px solid rgba(191,87,0,.35);background:rgba(191,87,0,.08)"><div class="panel-title">This file type is intentionally blocked</div><p class="panel-sub">Wealthsimple PDF activity parsing was disabled because it was not reliable enough. Use the Wealthsimple CSV or XLSX export instead so Headroom can review the rows before import.</p></div>`;
  }
  if(hasImportable)return '';
  const reason=detected==='unknown'
    ? 'Headroom could not recognize this file as a supported CRA document or supported transaction export.'
    : detected==='statement' || detected==='statement_ofx' || detected==='cra_export'
      ? 'This file was readable, but no importable rows matched the supported account parsers.'
      : 'No supported importable rows were detected from this source.';
  return `<div class="panel" style="margin:10px 0;border:1px solid rgba(170,30,30,.28);background:rgba(170,30,30,.06)"><div class="panel-title">Document not recognized for import</div><p class="panel-sub">${reason} Use the checklist above to load the core CRA summary or statement first, then optional recent exports. If this should have worked, download the issues CSV and review the parser notes before importing anything.</p></div>`;
}

function buildRrspRecognitionDetailHtml(session){
  if(!session||String(session.sourceDetected||'')!=='CRA RRSP document')return '';
  const path=String(session.rrspRecognitionPath||'');
  if(path==='exact_known') return `<div class="panel" style="margin:10px 0;border:1px solid rgba(15,93,180,.28);background:rgba(15,93,180,.06)"><div class="panel-title">RRSP recognition path: exact-known document</div><p class="panel-sub">Headroom recognized this RRSP file as a high-confidence known CRA document template. Treat this as a strong template match, not as proof that every similarly named RRSP file will parse the same way.</p></div>`;
  if(path==='generic_parser') return `<div class="panel" style="margin:10px 0;border:1px solid rgba(15,93,180,.22);background:rgba(15,93,180,.04)"><div class="panel-title">RRSP recognition path: generic parser</div><p class="panel-sub">Headroom extracted RRSP rows from the document content itself. Review the selected RRSP rows carefully before importing.</p></div>`;
  return '';
}

function renderImportPreview(){
  const el=document.getElementById('import-preview');
  const commitBtn=document.getElementById('import-commit-btn');
  const snapBtn=document.getElementById('import-apply-snapshot-btn');
  const issueBtn=document.getElementById('import-download-issues-btn');
  if(!el||!commitBtn||!snapBtn||!issueBtn)return;
  if(!importSession){
    el.innerHTML=buildRegisteredAccountImportGuideHtml(null,{includeRrsp:true})+'<p class="dim">Choose a file or paste text, then click Analyze. Nothing is imported until you confirm.</p>';
    commitBtn.disabled=true; snapBtn.disabled=true; issueBtn.disabled=true; return;
  }
  commitBtn.disabled=getImportSessionCommitCount(importSession)===0;
  snapBtn.disabled=importSession.roomSnapshots.length===0;
  issueBtn.disabled=!(importSession.issues&&importSession.issues.length>1);

  let h=`<p><b>Detected source:</b> ${escapeHtml(importSession.sourceDetected)}${importSession.fileName?` • <b>File:</b> ${escapeHtml(importSession.fileName)}`:''}</p>`;
  h+=`<p><b>Parsed rows:</b> ${importSession.parsedRows} • <b>Review rows:</b> ${importSession.reviewCount} • <b>Duplicates against current ledger:</b> ${importSession.duplicateCount} • <b>Future-date warnings:</b> ${importSession.futureDateCount||0} • <b>Issues:</b> ${Math.max(0,(importSession.issues||[]).length-1)}</p>`;

  if(importSession.roomSnapshots.length){
    h+='<p><b>CRA room snapshots found:</b> '+importSession.roomSnapshots.map(s=>`${s.plan} ${s.year} ${F(s.amount)}`).join(' • ')+'</p>';
  }

  const rrspCounts=getRrspSelectedCounts(importSession);
  const hasRrspArtifacts=((importSession.rrspAnnualPatches&&importSession.rrspAnnualPatches.length)||(importSession.rrspReceiptRows&&importSession.rrspReceiptRows.length)||(importSession.rrspActivityRows&&importSession.rrspActivityRows.length));
  h+=buildRegisteredAccountImportGuideHtml(importSession,{includeRrsp:hasRrspArtifacts});
  h+=buildImportRecognitionAlertHtml(importSession);
  h+=buildRrspRecognitionDetailHtml(importSession);

  if(hasRrspArtifacts){
    h+=`<div class="import-file-bundle"><b>RRSP parsed preview</b><p class="dim">Review the RRSP items that will be imported. Uncheck any row you do not want to apply.</p><div class="inline-btns"><button type="button" onclick="setRrspArtifactSelection('all')">Select all RRSP rows</button><button type="button" onclick="setRrspArtifactSelection('none')">Clear RRSP selection</button><span class="stat">Selected RRSP rows: <b>${rrspCounts.total}</b> (${rrspCounts.annual} annual, ${rrspCounts.receipts} receipt, ${rrspCounts.activity} activity)</span></div>`;
    h+=rrspPreviewImpactSummaryHtml(importSession);

    if((importSession.rrspAnnualPatches||[]).length){
      h+='<div class="overflow" style="margin-top:10px"><table class="mobile-stack"><thead><tr><th class="import-select-cell">Include</th><th>Effect</th><th>Tax year</th><th>Relevant RRSP fields</th><th>Source</th></tr></thead><tbody>';
      importSession.rrspAnnualPatches.forEach((p,idx)=>{
        h+=`<tr><td data-label="Include" class="import-select-cell"><input type="checkbox" ${p.selected!==false?'checked':''} ${p.alreadyReflected?'disabled':''} onchange="toggleRrspAnnualPatch(${idx})"></td><td data-label="Effect">${escapeHtml(rrspAnnualPatchEffect(p))}</td><td data-label="Tax year">${escapeHtml(String(p.taxYear||'—'))}</td><td data-label="Relevant RRSP fields">${escapeHtml(rrspPatchSummary(p))}${p.reviewReason?`<div class="dim">${escapeHtml(p.reviewReason)}</div>`:''}</td><td data-label="Source">${escapeHtml(p.sourceLabel||'CRA RRSP document')}</td></tr>`;
      });
      h+='</tbody></table></div>';
    }

    if((importSession.rrspReceiptRows||[]).length){
      h+='<div class="overflow" style="margin-top:10px"><table class="mobile-stack"><thead><tr><th class="import-select-cell">Include</th><th>Effect</th><th>Tax year</th><th>Institution</th><th>Relevant amounts</th><th>Source ref</th></tr></thead><tbody>';
      importSession.rrspReceiptRows.forEach((r,idx)=>{
        const relevantAmounts=[safeNum(r.regularPeriodAmount)>0.005?`Regular: ${F(safeNum(r.regularPeriodAmount))}`:'',safeNum(r.first60DaysAmount)>0.005?`First 60: ${F(safeNum(r.first60DaysAmount))}`:''].filter(Boolean).join(' • ')||'No amount detected';
        h+=`<tr><td data-label="Include" class="import-select-cell"><input type="checkbox" ${r.selected!==false?'checked':''} onchange="toggleRrspReceiptRow(${idx})"></td><td data-label="Effect">${escapeHtml(rrspReceiptEffect(r))}</td><td data-label="Tax year">${escapeHtml(String(r.taxYear||'—'))}</td><td data-label="Institution">${escapeHtml(r.institution||'—')}${r.accountId?` <span class="dim">(${escapeHtml(r.accountId)})</span>`:''}</td><td data-label="Relevant amounts">${escapeHtml(relevantAmounts)}</td><td data-label="Source ref">${escapeHtml(r.sourceRef||'—')}</td></tr>`;
      });
      h+='</tbody></table></div>';
    }

    if((importSession.rrspActivityRows||[]).length){
      h+='<div class="overflow" style="margin-top:10px"><table class="mobile-stack"><thead><tr><th class="import-select-cell">Include</th><th>Effect</th><th>Date</th><th>Institution</th><th>Relevant detail</th><th>Source note</th></tr></thead><tbody>';
      importSession.rrspActivityRows.forEach((r,idx)=>{
        h+=`<tr><td data-label="Include" class="import-select-cell"><input type="checkbox" ${r.selected!==false?'checked':''} onchange="toggleRrspActivityRow(${idx})"></td><td data-label="Effect">${escapeHtml(rrspActivityEffect(r))}</td><td data-label="Date">${escapeHtml(r.d||'—')}</td><td data-label="Institution">${escapeHtml(r.inst||'—')}</td><td data-label="Relevant detail">${escapeHtml(rrspActivityDetail(r))}</td><td data-label="Source note">${escapeHtml(r.note||'—')}</td></tr>`;
      });
      h+='</tbody></table></div>';
    }
    h+='</div>';
  }

  if(importSession.sourceBreakdown&&importSession.sourceBreakdown.length){
    h+='<div class="import-file-bundle"><b>Files in this analysis bundle:</b><ul>'+importSession.sourceBreakdown.map(s=>`<li>${escapeHtml(s.fileName||'Unnamed file')} • ${escapeHtml(s.sourceDetected||'unknown')} • ${s.rows||0} parsed row(s)</li>`).join('')+'</ul></div>';
  }

  if(importSession.candidates.length){
    const sel=importSelectionStats(importSession);
    h+=`<div class="import-controls"><button type="button" onclick="setImportSelection('all')">Select all importable</button><button type="button" onclick="setImportSelection('none')">Clear selection</button><button type="button" onclick="setImportSelection('ready')">Select ready only</button><button type="button" onclick="setImportSelection('review')">Select review only</button><button type="button" onclick="setImportSelection('warning')">Select warnings only</button><span class="stat">Selected for import: <b>${sel.selected}</b> of <b>${sel.importable}</b> importable row(s). Duplicates shown below are always skipped.</span></div>`;
    h+='<div class="import-preview-wrap overflow"><table class="mobile-stack"><thead><tr><th class="import-select-cell">Include</th><th>Plan</th><th>Date</th><th>Institution</th><th>Account</th><th>Type</th><th class="r">Amount</th><th>Status</th></tr></thead><tbody>';
    importSession.candidates.forEach((c,idx)=>{
      const dup=(c.duplicate||c.probableDuplicate);
      const status=dup?'Duplicate':(c.futureDateWarning?'Warning':(((c.treat||c.status)==='Review'||c.reviewReason)?'Review':'Ready'));
      const statusCls=dup?'pill-w':(status==='Warning'?'pill-warn':(status==='Review'?'pill-t':'pill-c'));
      const checked=(c.selected&&!dup)?'checked':'';
      const disabled=dup?'disabled':'';
      h+=`<tr><td data-label="Include" class="import-select-cell"><input type="checkbox" ${checked} ${disabled} onchange="toggleImportCandidate(${idx})" title="${dup?'Duplicate rows are shown for review but skipped automatically.':'Toggle whether this row will be imported.'}"></td><td data-label="Plan"><span class="pill ${c.plan==='TFSA'?'pill-tfsa':'pill-fhsa'}">${c.plan}</span></td><td data-label="Date">${escapeHtml(c.d)}</td><td data-label="Institution" class="truncate" title="${escAttr(c.inst)}">${escapeHtml(c.inst)}</td><td data-label="Account">${escapeHtml(c.acct)}</td><td data-label="Type">${escapeHtml(c.type)}</td><td data-label="Amount" class="r ${c.plan==='TFSA'&&c.type==='Withdrawal'||c.plan==='FHSA'&&/Withdrawal|Out/.test(c.type)?'red':'green'}">${F(c.amt)}</td><td data-label="Status"><span class="pill ${statusCls}">${status}</span></td></tr>`;
      if(c.futureDateWarning)h+=`<tr><td colspan="8" class="warn-inline">Row ${c.rowNo}: Future-dated row — confirm the booking or settlement date before importing.</td></tr>`;
      if(c.reviewReason)h+=`<tr><td colspan="8" class="dim">Row ${c.rowNo}: ${escapeHtml(c.reviewReason)}</td></tr>`;
      if(c.duplicateReason)h+=`<tr><td colspan="8" class="dim">Row ${c.rowNo}: ${escapeHtml(c.duplicateReason)}</td></tr>`;
    });
    h+='</tbody></table></div>';
  }

  if(importSession.duplicateRows&&importSession.duplicateRows.length){
    h+=`<p class="note-inline"><b>Duplicate skip preview:</b> ${importSession.duplicateRows.slice(0,6).map(escapeHtml).join(' • ')}${importSession.duplicateRows.length>6?' • …':''}</p>`;
  }
  h+=buildCraImportBreakdown(importSession);
  h+=buildImportTotalsSummary(importSession);
  h+=buildImportImpactHtml(importSession);
  if(importSession.issues&&importSession.issues.length>1)h+='<p class="note-inline">Some rows could not be parsed cleanly. Download the issues CSV for review.</p>';
  el.innerHTML=h;
}
function getImportAssistantOptions(){
  return {
    sourceKind:String(document.getElementById('i-source-kind')?.value||'auto'),
    plan:String(document.getElementById('i-plan-override')?.value||'AUTO'),
    signMode:String(document.getElementById('i-sign-mode')?.value||'positive_inflow'),
    dateFormat:String(document.getElementById('i-date-format')?.value||'AUTO'),
    institution:String(document.getElementById('i-default-inst')?.value||'').trim(),
    account:String(document.getElementById('i-default-acct')?.value||'').trim(),
    mergeMode:String(document.getElementById('i-merge-mode')?.value||'skip')
  };
}
function syncImportAssistantDefaults(){
  const prefs=uiPrefs.importDefaults||clone(UI_DEFAULTS.importDefaults);
  document.getElementById('i-source-kind').value=prefs.sourceKind||'auto';
  document.getElementById('i-plan-override').value=prefs.plan||'AUTO';
  document.getElementById('i-sign-mode').value=prefs.signMode||'positive_inflow';
  document.getElementById('i-date-format').value=prefs.dateFormat||'AUTO';
  document.getElementById('i-default-inst').value=prefs.institution||'';
  document.getElementById('i-default-acct').value=prefs.account||'';
  document.getElementById('i-merge-mode').value=prefs.mergeMode||'skip';
  document.getElementById('i-file-name').value=importSourceBuffer.name||'';
}
function openImportAssistant(){
  importSession=null;
  setImportBusy(false,'');
  syncImportAssistantDefaults();
  renderImportPreview();
  document.getElementById('import-modal').classList.remove('hidden');
}
function closeImportAssistant(){setImportBusy(false,'');document.getElementById('import-modal').classList.add('hidden')}
function clearImportAssistant(){
  importSourceBuffer={name:'',text:'',meta:null,files:[]};
  importSession=null;
  setImportBusy(false,'');
  document.getElementById('i-file-name').value='';
  document.getElementById('i-paste').value='';
  renderImportPreview();
}
function chooseImportFile(){const el=document.getElementById('import-file');if(el){el.value='';el.click()}}
function isSpreadsheetImportFile(file){
  const name=String(file&&file.name||'');
  const type=String(file&&file.type||'').toLowerCase();
  return /\.(xlsx|xls)$/i.test(name)||/spreadsheetml|excel|ms-excel/.test(type);
}
async function readSpreadsheetImportFile(file){
  if(typeof XLSX==='undefined')throw new Error('Spreadsheet parser is not available. Reload the page and try again.');
  const buffer=await file.arrayBuffer();
  let workbook;
  try{workbook=XLSX.read(buffer,{type:'array',cellDates:true,raw:false})}catch(xlsErr){throw new Error('Could not parse this spreadsheet — it may be corrupted, password-protected, or in an unsupported format.')}
  const sheetNames=(workbook&&workbook.SheetNames)||[];
  let chosenSheet='';
  let csv='';
  for(const name of sheetNames){
    const ws=workbook.Sheets[name];
    const next=String(XLSX.utils.sheet_to_csv(ws,{blankrows:false})||'').trim();
    if(next){chosenSheet=name;csv=next;break;}
  }
  if(!csv)throw new Error('The spreadsheet did not contain any readable rows.');
  return {
    name:String(file&&file.name||''),
    text:csv,
    meta:{fileType:'spreadsheet',sheetName:chosenSheet,sheetNames:sheetNames.slice()}
  };
}
function shouldUseProbableDateMatchForSession(session){
  if(!session||!Array.isArray(session.candidates)||!session.candidates.length)return false;
  const detected=String(session.sourceDetected||'');
  if(detected==='tracker_csv'||detected==='CRA room snapshot'||detected==='Wealthsimple CSV / XLSX activity export'||/^CRA\s/.test(detected)||/disabled/i.test(detected))return false;
  const fileName=String(session.fileName||'');
  const meta=session.sourceMeta||{};
  const looksLikeWorkbook=String(meta.fileType||'')==='spreadsheet'||/\.(xlsx|xls)$/i.test(fileName);
  const looksLikeFlatFile=/\.(csv|tsv|txt)$/i.test(fileName);
  const hasWealthsimpleRows=session.candidates.some(c=>canonicalInstitutionName(c.inst)==='Wealthsimple');
  return hasWealthsimpleRows&&(looksLikeWorkbook||looksLikeFlatFile||detected==='statement'||detected==='unknown');
}
function readTextImportFile(file){
  return new Promise((resolve,reject)=>{
    const reader=new FileReader();
    reader.onload=e=>resolve({name:file.name||'',text:String(e.target.result||''),meta:{fileType:'text'}});
    reader.onerror=()=>reject(new Error('Could not read that file for import analysis.'));
    reader.readAsText(file);
  });
}
async function parseImportFile(file){
  if(/\.pdf$/i.test(String(file.name||'')) || file.type==='application/pdf'){
    const parsed=await extractPdfImportSource(file);
    return {name:parsed.name,text:parsed.text,meta:parsed.meta};
  }
  if(isSpreadsheetImportFile(file))return await readSpreadsheetImportFile(file);
  return await readTextImportFile(file);
}
async function handleImportSourceFile(evt){
  const files=Array.from((evt.target&&evt.target.files)||[]); if(!files.length)return;
  try{
    const loaded=[];
    for(let i=0;i<files.length;i++){
      const f=files[i];
      setImportBusy(true,files.length===1?`Reading ${f.name}…`:`Reading ${i+1} of ${files.length}: ${f.name}…`);
      const parsed=await parseImportFile(f);
      loaded.push(parsed);
    }
    const first=loaded[0]||{name:'',text:'',meta:null};
    const bundleName=loaded.length===1?String(first.name||''):`${first.name} + ${loaded.length-1} more`;
    importSourceBuffer={name:bundleName,text:loaded.length===1?String(first.text||''):'',meta:loaded.length===1?(first.meta||null):{fileType:'bundle',files:loaded.map(f=>({name:f.name,meta:f.meta||null}))},files:loaded};
    const ta=document.getElementById('i-paste');
    if(ta&&!ta.value.trim()&&loaded.length===1&&String(first.meta&&first.meta.fileType||'')!=='pdf')ta.value=importSourceBuffer.text;
    const fn=document.getElementById('i-file-name'); if(fn)fn.value=bundleName;
    setImportBusy(false,'');
    if(loaded.length===1){
      const meta=first.meta||{};
      const sheetLabel=meta&&meta.sheetName?` from sheet “${meta.sheetName}”`:'';
      const pdfPages=meta&&Array.isArray(meta.pages)?meta.pages.length:0;
      if(pdfPages)showToast(`Loaded ${first.name} (${pdfPages} page${pdfPages===1?'':'s'}) for analysis.`,null,2800);
      else showToast(`Loaded ${first.name}${sheetLabel} for analysis.`,null,2600);
    } else {
      showToast(`Loaded ${loaded.length} files for combined analysis.`,null,3000);
    }
  }catch(err){
    setImportBusy(false,'');
    console.error(err);
    alert('Could not read that file for import analysis. '+(err&&err.message?err.message:''));
  }
}
async function analyzeImportSource(){
  const pasted=String(document.getElementById('i-paste')?.value||'');
  const hasPasted=!!pasted.trim();
  const opts=getImportAssistantOptions();
  uiPrefs.importDefaults=clone(opts);
  setImportBusy(true,hasPasted?'Analyzing pasted source…':'Analyzing import source…');
  await new Promise(resolve=>setTimeout(resolve,30));
  try{
    if(hasPasted){
      importSession=buildImportSessionFromSource(pasted,importSourceBuffer.name||'Pasted text',opts,null);
    } else if(Array.isArray(importSourceBuffer.files)&&importSourceBuffer.files.length>1){
      const sessions=[];
      for(const file of importSourceBuffer.files){
        sessions.push(buildImportSessionFromSource(file.text,file.name,opts,file.meta||null));
      }
      importSession=mergeImportSessions(sessions,opts,importSourceBuffer.name||'Multi-file import');
    } else {
      const text=importSourceBuffer.text;
      const meta=importSourceBuffer.meta;
      if(!String(text||'').trim()){alert('Choose a file or paste text to analyze.');return}
      importSession=buildImportSessionFromSource(text,importSourceBuffer.name,opts,meta);
    }
    uiPrefs.lastImportSummary={source:importSession.sourceDetected,fileName:importSession.fileName||'',analyzedAt:Date.now(),rows:importSession.parsedRows,issues:Math.max(0,(importSession.issues||[]).length-1),snapshots:importSession.roomSnapshots.length,duplicates:importSession.duplicateRows||[]};
    appendImportHistory({kind:'analyze',source:importSession.sourceDetected,fileName:importSession.fileName||'',rows:importSession.parsedRows,futureWarnings:importSession.futureDateCount||0,rrspGuideKeys:getRrspGuideKeysForSession(importSession),accountGuideKeys:getAccountGuideKeysForSession(importSession)});
    save();
    renderImportPreview();
  } finally {
    setImportBusy(false,'');
  }
}
function downloadImportIssuesCsv(){
  if(!importSession||!importSession.issues||importSession.issues.length<=1){alert('No issues CSV is available for the current analysis.');return}
  downloadCsvRows('tracker_import_assistant_issues_'+todayISO()+'.csv',importSession.issues);
}
function applyCraSnapshotsFromSession(){
  if(!importSession||!importSession.roomSnapshots.length){alert('No CRA room snapshot was found in the current analysis.');return}
  const session=importSession;
  uiPrefs.craSnapshots=uiPrefs.craSnapshots||{tfsa:null,fhsa:null};
  session.roomSnapshots.forEach(s=>{
    uiPrefs.craSnapshots[s.plan==='TFSA'?'tfsa':'fhsa']={year:s.year,amount:s.amount,source:session.fileName||session.sourceDetected,loadedAt:Date.now()};
  });
  appendImportHistory({kind:'snapshot',source:session.sourceDetected,fileName:session.fileName||'',rows:session.roomSnapshots.length});
  appendActivityLog({kind:'snapshot',source:session.sourceDetected,fileName:session.fileName||'',snapshotCount:session.roomSnapshots.length});
  setPostImportNotice({source:session.sourceDetected,fileName:session.fileName||'',imported:0,skippedDuplicates:0,reviewRows:0,futureWarnings:session.futureDateCount||0,snapshotCount:session.roomSnapshots.length});
  save();render();
  importSession=session;
  renderImportPreview();
  alert('CRA room snapshot(s) saved to the tracker. Open Insights to compare them against your ledger.');
}
function commitImportSession(){
  if(!importSession || getImportSessionCommitCount(importSession)===0){alert('Analyze a source with importable rows first.');return}
  const session=importSession;
  const impact=buildImportImpactSummary(session);
  const isCra=session.sourceDetected==='CRA TFSA PDF'||session.sourceDetected==='CRA FHSA PDF';
  if(isCra&&impact){
    const risky=safeNum(impact.tfsa.countedAllDelta)>0.005||safeNum(impact.fhsa.countedAllDelta)>0.005||safeNum(impact.tfsa.taxDelta)>0.005||safeNum(impact.fhsa.taxDelta)>0.005;
    if(risky){
      const ok=confirm(`This CRA import appears to change counted contribution/inflow or tax results.

TFSA counted contributions Δ: ${F(Math.abs(impact.tfsa.countedAllDelta))}${impact.tfsa.countedAllDelta>0?' added':''}
FHSA counted inflows Δ: ${F(Math.abs(impact.fhsa.countedAllDelta))}${impact.fhsa.countedAllDelta>0?' added':''}
TFSA tax Δ: ${F(Math.abs(impact.tfsa.taxDelta))}
FHSA tax Δ: ${F(Math.abs(impact.fhsa.taxDelta))}

Import anyway?`);
      if(!ok)return;
    }
  }
  const mergeMode=String(document.getElementById('i-merge-mode')?.value||session.mergeMode||'skip');
  const useProbableDateMatch=shouldUseProbableDateMatchForSession(session);
  const dupOpts=mergeMode==='keep_distinct'?{respectDistinctIds:true,ignoreNote:true,canonicalize:true,useProbableDateMatch:useProbableDateMatch,allowDateTypeAmountMatch:isCra}:{ignoreNote:true,canonicalize:true,useProbableDateMatch:useProbableDateMatch,allowDateTypeAmountMatch:isCra};
  const rrspSelected=getRrspSelectedCounts(session);
  const hasRrspArtifacts=rrspSelected.total>0;
  const selectedImportable=getSelectedTxnCandidateCount(session);
  if(selectedImportable===0 && !hasRrspArtifacts){alert('No non-duplicate rows are currently selected for import.');return}
  const selectedFutureRows=(session.candidates||[]).filter(c=>c.selected&&!c.duplicate&&!c.probableDuplicate&&c.futureDateWarning);
  if(selectedFutureRows.length){
    const ok=confirm(`You selected ${selectedFutureRows.length} future-dated row(s) for import.

These rows may be valid planned or pending transactions, but they can also reflect statement booking / settlement timing issues. Import anyway?`);
    if(!ok)return;
  }
  let added=0,review=0,dupes=0,manualSkipped=0;
  let dupesExisting=0,dupesBatch=0;
  const dupNotes=[];
  const issues=[['row','reason','plan','date','institution','account','type','amount','note']];
  const originalTfsa=new Set(tT);
  const originalFhsa=new Set(fT);
  const originalTfsaPool=buildLedgerMatchPool('TFSA',Array.from(originalTfsa),dupOpts);
  const originalFhsaPool=buildLedgerMatchPool('FHSA',Array.from(originalFhsa),dupOpts);
  (session.candidates||[]).forEach((c,idx)=>{
    if(!c.selected){manualSkipped++; return}
    const base={id:c.sourceId||'',d:c.d,inst:c.inst,acct:c.acct,type:c.type,amt:c.amt,note:c.note||''};
    let txn;
    if(c.plan==='TFSA') txn=ensureTxnIdentity('TFSA',Object.assign(base,{treat:c.treat||'Include'}),nextTxnSeq());
    else txn=ensureTxnIdentity('FHSA',Object.assign(base,{status:c.status||'Include'}),nextTxnSeq());
    const arr=c.plan==='TFSA'?tT:fT;
    const originalSet=c.plan==='TFSA'?originalTfsa:originalFhsa;
    const dup=consumeLedgerPoolMatch(c.plan,txn,c.plan==='TFSA'?originalTfsaPool:originalFhsaPool,dupOpts);
    if(dup.match||dup.probable){
      dupes++;
      const matchedExisting=!!(dup.existing&&originalSet.has(dup.existing));
      const baseReason=dup.reason||(dup.probable?'Probable duplicate':'Duplicate row');
      const reason=matchedExisting ? baseReason : (dup.probable ? 'Probable duplicate within current import batch (nearby date match).' : 'Duplicate within current import batch.');
      if(matchedExisting)dupesExisting++; else dupesBatch++;
      issues.push([String(c.rowNo||idx+1),reason,c.plan,c.d,c.inst,c.acct,c.type,c.amt,c.note||'']);
      if(dupNotes.length<15)dupNotes.push(`${c.plan} ${c.d} ${c.type} ${F(c.amt)} — ${reason}`);
      return;
    }
    arr.push(txn);added++;
    if((txn.treat||txn.status)==='Review')review++;
  });

  let rrspApplied={annualUpserts:0, annualNoops:0, receiptAdds:0, activityAdds:0};
  if(hasRrspArtifacts) rrspApplied=applyRrspImportArtifacts(session);

  if(session.roomSnapshots.length&&confirm('Also save the CRA room snapshot(s) detected in this source?'))applyCraSnapshotsFromSession();
  uiPrefs.lastImportSummary=Object.assign({},uiPrefs.lastImportSummary||{}, {duplicates:dupNotes, committedAt:Date.now(), imported:added+rrspApplied.annualUpserts+rrspApplied.receiptAdds+rrspApplied.activityAdds, skippedDuplicates:dupes, skippedDuplicatesExisting:dupesExisting, skippedDuplicatesBatch:dupesBatch, rrspAnnualNoops:rrspApplied.annualNoops});
  appendImportHistory({kind:'commit',source:session.sourceDetected,fileName:session.fileName||'',rows:session.parsedRows,imported:added+rrspApplied.annualUpserts+rrspApplied.receiptAdds+rrspApplied.activityAdds,skippedDuplicates:dupes,skippedDuplicatesExisting:dupesExisting,skippedDuplicatesBatch:dupesBatch,futureWarnings:selectedFutureRows.length,rrspAnnualNoops:rrspApplied.annualNoops,rrspGuideKeys:getRrspGuideKeysForSession(session),accountGuideKeys:getAccountGuideKeysForSession(session)});
  appendActivityLog({kind:'import',source:session.sourceDetected,fileName:session.fileName||'',rows:session.parsedRows,imported:added+rrspApplied.annualUpserts+rrspApplied.receiptAdds+rrspApplied.activityAdds,skippedDuplicates:dupes,skippedDuplicatesExisting:dupesExisting,skippedDuplicatesBatch:dupesBatch,rrspAnnualNoops:rrspApplied.annualNoops});
  if(typeof clearDemoModeForActiveProfile==='function')clearDemoModeForActiveProfile();
  setPostImportNotice({source:session.sourceDetected,fileName:session.fileName||'',imported:added+rrspApplied.annualUpserts+rrspApplied.receiptAdds+rrspApplied.activityAdds,skippedDuplicates:dupes,reviewRows:review,futureWarnings:selectedFutureRows.length,snapshotCount:session.roomSnapshots.length,rrspAnnualNoops:rrspApplied.annualNoops});
  save();render();
  session.issues=(session.issues||[['row','reason']]).concat(issues.slice(1));
  importSession=session;
  renderImportPreview();
  let msg=`Imported ${added} TFSA/FHSA row(s).`;
  if(hasRrspArtifacts) msg+=` RRSP updated: ${rrspApplied.annualUpserts} annual patch(es), ${rrspApplied.receiptAdds} receipt/support row(s), ${rrspApplied.activityAdds} activity/support row(s).`;
  if(rrspApplied.annualNoops) msg+=` ${rrspApplied.annualNoops} RRSP annual patch(es) were already reflected and left unchanged.`;
  if(dupes) msg+=` Skipped ${dupes} duplicate row(s).`;
  if(manualSkipped) msg+=` ${manualSkipped} row(s) were left unselected.`;
  alert(msg);
}
function buildCraSnapshotPanel(cy){
  const snaps=uiPrefs.craSnapshots||{};
  const tf=snaps.tfsa; const fh=snaps.fhsa;
  if(!tf&&!fh)return '';
  let h='<div class="panel mt-lg"><h3 class="panel-title">Imported CRA Snapshots</h3>';
  if(tf)h+=`<p class="panel-text">• <b>TFSA room snapshot:</b> ${F(tf.amount)} for ${tf.year}${+tf.year===cy?' <span class="green">(used to prefill comparison above)</span>':''}</p>`;
  if(fh)h+=`<p class="panel-text">• <b>FHSA room snapshot:</b> ${F(fh.amount)} for ${fh.year}</p>`;
  h+='<p class="panel-sub">Snapshots are reference values imported from CRA text or copied tables. They do not change your ledger; they support reconciliation.</p></div>';
  return h;
}


// ═══════════════════════════════════════════════════
// TFSA ENGINE — CRA-Compliant with Transfer Support
// ═══════════════════════════════════════════════════
function makeMonthState(year, openingExcess){
  const m={};
  for(let i=1;i<=12;i++){const k=year+'-'+String(i).padStart(2,'0'); m[k]={s:openingExcess,p:openingExcess,e:openingExcess}}
  return m;
}
function finalizeMonthState(ms, year, yT, openExcess){
  let carry=openExcess;
  for(let i=1;i<=12;i++){
    const k=year+'-'+String(i).padStart(2,'0');
    if(!yT.some(t=>monthKey(t.d)===k)){ms[k]={s:carry,p:carry,e:carry}}
    carry=ms[k].e;
  }
}

function calcTFSA(txns){
  const TL=getTfsaLimits(), TS=getTfsaStartYear(), CY=getProjectionEndYear();
  const inc=txns
    .map(t=>({d:String(t.d||''),inst:t.inst||'',acct:t.acct||'',type:normalizeTfsaType(t.type),amt:safeNum(t.amt),treat:normalizeFlag(t.treat,'Include'),note:t.note||''}))
    .filter(t=>t.treat==='Include'&&t.d)
    .sort(sortTxnsAsc);
  const byY={}; inc.forEach(t=>{const y=+t.d.slice(0,4);(byY[y]=byY[y]||[]).push(t)});
  const years={}, mTax=[]; let pNet=0, pAdd=0;
  for(let y=TS;y<=CY;y++){
    const lim=safeNum(TL[y]);
    const co=y===TS?lim:pNet+pAdd+lim;
    const oR=Math.max(0,co), oE=co<0?-co:0;
    let room=oR, excess=oE, tC=0, tW=0, tQ=0, tA=0, tTI=0, tTO=0;
    const ms=makeMonthState(y,oE); let cur=null;
    const yT=byY[y]||[];
    yT.forEach(t=>{
      const k=monthKey(t.d);
      if(k!==cur){if(cur&&ms[cur])ms[cur].e=excess;cur=k;if(ms[k]){ms[k].s=excess;ms[k].p=excess}}
      const amt=safeNum(t.amt);
      if(t.type==='Contribution'){
        tC+=amt;
        if(amt<=room)room-=amt; else{excess+=(amt-room);room=0}
      } else if(t.type==='Withdrawal'){
        tW+=amt;
        const q=Math.min(amt,excess); excess-=q; tQ+=q; tA+=(amt-q);
      } else if(t.type==='Transfer In'){
        tTI+=amt; // room-neutral
      } else if(t.type==='Transfer Out'){
        tTO+=amt; // room-neutral
      }
      if(ms[k])ms[k].p=Math.max(ms[k].p,excess);
    });
    if(cur&&ms[cur])ms[cur].e=excess;
    finalizeMonthState(ms,y,yT,oE);
    let yTx=0;
    for(let i=1;i<=12;i++){
      const k=y+'-'+String(i).padStart(2,'0');
      const me=ms[k]; const tx=Math.round(me.p*0.01*100)/100;
      if(me.p>0.005){mTax.push({month:k,year:y,start:me.s,peak:me.p,end:me.e,tax:tx});yTx+=tx}
    }
    years[y]={limit:lim,openRoom:oR,openExcess:oE,contribs:tC,withdrawals:tW,qualifyingWD:tQ,addbackWD:tA,
      transferIn:tTI,transferOut:tTO,yeRoom:room,yeExcess:excess,netRoom:room-excess,
      tax:Math.round(yTx*100)/100,status:excess>0.005?'excess':tC>0?'ok':'none'};
    pNet=room-excess; pAdd=tA;
  }
  return {years,monthlyTax:mTax};
}

// ═══════════════════════════════════════════════════
// FHSA ENGINE — Carryforward derived from prior-year unused participation room
// CRA rule of thumb:
//   next-year carryforward = min($8K cap, prior-year unused participation room)
// This engine reconstructs that unused room algebraically from the prior-year state:
//   annual limit + prior carryforward
//   − two-years-prior excess effect
//   − prior counted inflows
//   + prior designated amounts
//   + prior taxable withdrawals that reduced excess
// The math is correct for the verified scenarios, but it is intentionally exposed below
// via `priorYearUnusedRoom` / `debugPriorUnusedRoom` to make the carryforward easier to audit.
// ═══════════════════════════════════════════════════

function calcFHSA(txns){
  const FA=safeNum(trackerConfig.fhsaAnnualLimit)||8000;
  const FL=safeNum(trackerConfig.fhsaLifetimeLimit)||40000;
  const FC=safeNum(trackerConfig.fhsaCarryforwardCap)||8000;
  const FS=getFhsaStartYear(), CY=getProjectionEndYear();
  const inc=txns
    .map((t,i)=>ensureTxnIdentity('FHSA',{d:String(t.d||''),inst:t.inst||'',acct:t.acct||'',type:normalizeFhsaType(t.type)||'Unknown',amt:safeNum(t.amt),status:normalizeFlag(t.status,'Include'),note:t.note||'',id:t.id,seq:t.seq},i+1))
    .filter(t=>t.status==='Include'&&t.d)
    .sort(sortTxnsAsc);
  const byY={}; inc.forEach(t=>{const y=+t.d.slice(0,4);(byY[y]=byY[y]||[]).push(t)});
  const years={}, mTax=[];
  let unusedRepPrior=0;
  let carryforwardPrior=0;
  let excessPrior=0;
  let excessTwoPrior=0;
  let cumCountedInflows=0;
  let cumDesignatedAmounts=0;
  let cumTaxableReducedExcess=0;
  let cumRepUsed=0;

  for(let y=FS;y<=CY+5;y++){
    const priorYearUnusedRoom=(y===FS)?0:Math.max(0,
      FA
      + carryforwardPrior
      - excessTwoPrior
      - safeNum(years[y-1]?.countedInflows)
      + safeNum(years[y-1]?.designatedAmounts)
      + safeNum(years[y-1]?.taxableReducedExcess)
    );
    const currentCarryforward=(y===FS)?0:Math.min(FC,priorYearUnusedRoom);
    const annualRoomAfterExcess=Math.max(0,FA+currentCarryforward-excessPrior);
    const lifetimeRoomAfterAdjustments=Math.max(0,FL-cumCountedInflows+cumDesignatedAmounts+cumTaxableReducedExcess+cumRepUsed+excessPrior);
    const annualComponent=Math.min(annualRoomAfterExcess,lifetimeRoomAfterAdjustments);
    const participationRoom=unusedRepPrior+annualComponent;
    const openingExcess=Math.max(0,excessPrior-participationRoom);
    let room=Math.max(0,participationRoom-excessPrior), excess=openingExcess;
    let countedInflows=0, taxableWithdrawals=0, designatedAmounts=0, directTransfers=0, qualifyingWithdrawals=0;
    let taxableReducedExcess=0, taxableReParticipationGenerated=0, repUsed=0;
    let ambiguousLegacyCount=0, unknownTypeCount=0, qualifyingWithExcessCount=0;

    const yT=byY[y]||[];
    const ms=makeMonthState(y,openingExcess); let cur=null;

    yT.forEach(t=>{
      const meta=fhsaTypeMeta(t.type);
      const amt=safeNum(t.amt);
      const k=monthKey(t.d);
      if(k!==cur){if(cur&&ms[cur])ms[cur].e=excess;cur=k;if(ms[k]){ms[k].s=excess;ms[k].p=excess}}
      if(meta.warning&&(t.type==='Transfer In'||t.type==='Transfer Out'))ambiguousLegacyCount++;
      else if(meta.warning)unknownTypeCount++;

      if(meta.bucket==='counted_inflow'){
        countedInflows+=amt;
        if(amt<=room)room-=amt; else{excess+=(amt-room);room=0}
      } else if(meta.bucket==='taxable_withdrawal'){
        taxableWithdrawals+=amt;
        const q=Math.min(amt,excess);
        excess-=q;
        taxableReducedExcess+=q;
        taxableReParticipationGenerated+=Math.max(0,amt-q);
      } else if(meta.bucket==='designated_amount'){
        designatedAmounts+=amt;
        const q=Math.min(amt,excess);
        excess-=q;
      } else if(meta.bucket==='excluded_transfer'){
        directTransfers+=amt;
      } else if(meta.bucket==='excluded_withdrawal'){
        qualifyingWithdrawals+=amt;
        if(excess>0.005)qualifyingWithExcessCount++;
      }
      if(ms[k])ms[k].p=Math.max(ms[k].p,excess);
    });
    if(cur&&ms[cur])ms[cur].e=excess;
    finalizeMonthState(ms,y,yT,openingExcess);

    repUsed=Math.min(unusedRepPrior,Math.max(0,countedInflows-annualComponent));
    const reParticipationEnd=Math.max(0,unusedRepPrior+taxableReParticipationGenerated-repUsed);

    let yTx=0;
    for(let i=1;i<=12;i++){
      const k=y+'-'+String(i).padStart(2,'0');
      const me=ms[k]; const tx=Math.round(me.p*0.01*100)/100;
      if(me.p>0.005){mTax.push({month:k,year:y,start:me.s,peak:me.p,end:me.e,tax:tx});yTx+=tx}
    }

    cumCountedInflows+=countedInflows;
    cumDesignatedAmounts+=designatedAmounts;
    cumTaxableReducedExcess+=taxableReducedExcess;
    cumRepUsed+=repUsed;

    const lifetimeLeft=Math.max(0,FL-cumCountedInflows+cumDesignatedAmounts+cumTaxableReducedExcess+cumRepUsed+excess);
    const lifetimeUsed=Math.max(0,FL-lifetimeLeft);

    years[y]={
      openRoom:Math.max(0,participationRoom-excessPrior),
      openExcess:openingExcess,
      participationRoom,
      annualComponent,
      carryforward:currentCarryforward,
      debugPriorUnusedRoom:priorYearUnusedRoom,
      reParticipationPrior:unusedRepPrior,
      reParticipationGenerated:taxableReParticipationGenerated,
      reParticipationUsed:repUsed,
      reParticipationEnd,
      countedInflows,
      contribs:countedInflows,
      taxableWithdrawals,
      taxableReducedExcess,
      designatedAmounts,
      directTransfers,
      qualifyingWithdrawals,
      qualifyingWithExcessCount,
      yeRoom:room,
      yeExcess:excess,
      lifetimeLeft,
      lifetimeUsed,
      tax:Math.round(yTx*100)/100,
      ambiguousLegacyCount,
      unknownTypeCount,
      status:excess>0.005?'excess':countedInflows>0?'ok':'none'
    };

    excessTwoPrior=excessPrior;
    excessPrior=excess;
    carryforwardPrior=currentCarryforward;
    unusedRepPrior=reParticipationEnd;
  }
  return {years,monthlyTax:mTax};
}


// ═══════════════════════════════════════════════════
// SELF-TEST ENGINE — Structural validation
// Tests engine logic regardless of loaded data
// ═══════════════════════════════════════════════════

function runSelfTest(){
  const oldConfig=clone(trackerConfig);
  const oldProfileState=clone(profileState);
  const oldActiveProfile=(profileState&&profileState.active)||'p1';
  const oldTT=clone(tT), oldFT=clone(fT), oldRT=clone(rT), oldRrspYears=clone(rrspYears), oldRrspReceipts=clone(rrspReceipts), oldRrspMeta=clone(rrspMeta);
  trackerConfig=clone(CONFIG_DEFAULTS);
  trackerConfig.tfsaEligibleStartYear=2024;
  trackerConfig.currentYear=2026;
  trackerConfig.fhsaFirstYear=2024;

  const checks=[];
  const e1=calcTFSA([]);
  checks.push({label:'Empty TFSA → zero excess',actual:safeNum(e1.years[2024]?.yeExcess),expected:0,tol:0.01});
  checks.push({label:'Empty TFSA → zero tax',actual:e1.monthlyTax.length,expected:0,tol:0});

  const t2=[{d:'2024-03-01',inst:'Test',acct:'A',type:'Contribution',amt:5000,treat:'Include',note:'',seq:1,id:'T-1'}];
  const e2=calcTFSA(t2);
  checks.push({label:'$5K into $7K limit → $2K room',actual:safeNum(e2.years[2024]?.yeRoom),expected:2000,tol:0.01});
  checks.push({label:'$5K into $7K limit → zero excess',actual:safeNum(e2.years[2024]?.yeExcess),expected:0,tol:0.01});

  const t3=[{d:'2024-03-01',inst:'Test',acct:'A',type:'Contribution',amt:9000,treat:'Include',note:'',seq:1,id:'T-3'}];
  const e3=calcTFSA(t3);
  checks.push({label:'$9K into $7K limit → $2K excess',actual:safeNum(e3.years[2024]?.yeExcess),expected:2000,tol:0.01});
  checks.push({label:'$9K into $7K limit → zero room',actual:safeNum(e3.years[2024]?.yeRoom),expected:0,tol:0.01});

  const t4=[
    {d:'2024-03-01',inst:'Test',acct:'A',type:'Contribution',amt:9000,treat:'Include',note:'',seq:1,id:'T-4A'},
    {d:'2024-06-01',inst:'Test',acct:'A',type:'Withdrawal',amt:1000,treat:'Include',note:'',seq:2,id:'T-4B'}
  ];
  const e4=calcTFSA(t4);
  checks.push({label:'$1K WD on $2K excess → $1K excess left',actual:safeNum(e4.years[2024]?.yeExcess),expected:1000,tol:0.01});

  const f5=[{d:'2024-06-01',inst:'Test',acct:'F',type:'Contribution',status:'Include',amt:6000,note:'',seq:1,id:'F-5'}];
  const e5=calcFHSA(f5);
  checks.push({label:'FHSA $6K into $8K → $2K room',actual:safeNum(e5.years[2024]?.yeRoom),expected:2000,tol:0.01});
  checks.push({label:'FHSA $6K → zero excess',actual:safeNum(e5.years[2024]?.yeExcess),expected:0,tol:0.01});

  const f6=[{d:'2024-06-01',inst:'Test',acct:'F',type:'Contribution',status:'Include',amt:10000,note:'',seq:1,id:'F-6'}];
  const e6=calcFHSA(f6);
  checks.push({label:'FHSA $10K into $8K → $2K excess',actual:safeNum(e6.years[2024]?.yeExcess),expected:2000,tol:0.01});

  const f6b=[{d:'2024-03-01',inst:'Test',acct:'F',type:'Contribution',status:'Include',amt:10000,note:'',seq:1,id:'F-6B'}];
  const e6b=calcFHSA(f6b);
  checks.push({label:'FHSA prior-year excess reduces next-year participation room to $6K',actual:safeNum(e6b.years[2025]?.participationRoom),expected:6000,tol:0.01});
  checks.push({label:'FHSA prior-year excess leaves $4K usable opening room next year',actual:safeNum(e6b.years[2025]?.openRoom),expected:4000,tol:0.01});

  const f6c=[{d:'2024-04-01',inst:'Test',acct:'F',type:'FHSA Direct Transfer In',status:'Include',amt:2500,note:'',seq:1,id:'F-6C1'},{d:'2024-04-15',inst:'Test',acct:'F',type:'FHSA Direct Transfer Out',status:'Include',amt:1200,note:'',seq:2,id:'F-6C2'}];
  const e6c=calcFHSA(f6c);
  checks.push({label:'FHSA direct transfers remain room-neutral',actual:safeNum(e6c.years[2024]?.yeRoom),expected:8000,tol:0.01});
  checks.push({label:'FHSA direct transfers do not create excess',actual:safeNum(e6c.years[2024]?.yeExcess),expected:0,tol:0.01});

  const f6d=[
    {d:'2024-03-01',inst:'Test',acct:'F',type:'Contribution',status:'Include',amt:8000,note:'',seq:1,id:'F-6D1'},
    {d:'2025-03-01',inst:'Test',acct:'F',type:'Contribution',status:'Include',amt:8000,note:'',seq:2,id:'F-6D2'},
    {d:'2026-03-01',inst:'Test',acct:'F',type:'Contribution',status:'Include',amt:8000,note:'',seq:3,id:'F-6D3'},
    {d:'2027-03-01',inst:'Test',acct:'F',type:'Contribution',status:'Include',amt:8000,note:'',seq:4,id:'F-6D4'},
    {d:'2028-03-01',inst:'Test',acct:'F',type:'Contribution',status:'Include',amt:8000,note:'',seq:5,id:'F-6D5'},
    {d:'2028-09-01',inst:'Test',acct:'F',type:'Designated Withdrawal',status:'Include',amt:5000,note:'',seq:6,id:'F-6D6'}
  ];
  const e6d=calcFHSA(f6d);
  checks.push({label:'FHSA designated withdrawal restores $5K of lifetime room',actual:safeNum(e6d.years[2028]?.lifetimeLeft),expected:5000,tol:0.01});
  checks.push({label:'FHSA designated withdrawal caps next-year participation room at restored lifetime room',actual:safeNum(e6d.years[2029]?.participationRoom),expected:5000,tol:0.01});


  const f6e=[];
  const e6e=calcFHSA(f6e);
  checks.push({label:'FHSA empty first year leaves full $8K carryforward for year two',actual:safeNum(e6e.years[2025]?.carryforward),expected:8000,tol:0.01});

  const t7=[{d:'2024-03-01',inst:'Test',acct:'A',type:'Transfer In',amt:50000,treat:'Include',note:'',seq:1,id:'T-7'}];
  const e7=calcTFSA(t7);
  checks.push({label:'Transfer In room-neutral',actual:safeNum(e7.years[2024]?.yeExcess),expected:0,tol:0.01});

  checks.push({label:'$2K excess → $20/month tax',actual:safeNum(e3.monthlyTax.find(t=>t.month==='2024-03')?.tax),expected:20,tol:0.01});

  const f9=[
    {d:'2024-03-01',inst:'Test',acct:'F',type:'Contribution',status:'Include',amt:10000,note:'',seq:1,id:'F-9A'},
    {d:'2024-07-01',inst:'Test',acct:'F',type:'Taxable Withdrawal',status:'Include',amt:5000,note:'',seq:2,id:'F-9B'}
  ];
  const e9=calcFHSA(f9);
  checks.push({label:'FHSA taxable WD leaves same-year room at zero',actual:safeNum(e9.years[2024]?.yeRoom),expected:0,tol:0.01});
  checks.push({label:'FHSA taxable WD creates $3K next-year re-participation boost',actual:safeNum(e9.years[2025]?.participationRoom),expected:11000,tol:0.01});

  const t10=[
    {d:'2024-01-10',inst:'Test',acct:'A',type:'Contribution',amt:8000,treat:'Include',note:'',seq:1,id:'T10-1'},
    {d:'2024-01-10',inst:'Test',acct:'A',type:'Withdrawal',amt:1000,treat:'Include',note:'',seq:2,id:'T10-2'}
  ];
  const e10=calcTFSA(t10);
  checks.push({label:'Same-day ordered TFSA resolves excess to zero',actual:safeNum(e10.years[2024]?.yeExcess),expected:0,tol:0.01});

  trackerConfig.fhsaBirthDate='1990-05-01';
  const d11=computeFhsaDeadlineInfo({},2026);
  checks.push({label:'FHSA age-71 close year from DOB',actual:safeNum(d11.closingYearByAge71),expected:2061,tol:0});
  checks.push({label:'Real ISO date rejects Feb 31',actual:isRealIsoDate('2026-02-31')?1:0,expected:0,tol:0});
  checks.push({label:'Flexible MDY import date parses',actual:parseFlexibleDate('03/28/2026','MDY')==='2026-03-28'?1:0,expected:1,tol:0});
  checks.push({label:'OFX parser reads one transaction',actual:parseOfxTransactions('<OFX><BANKMSGSRSV1><STMTTRN><DTPOSTED>20260328<TRNAMT>-125.50<FITID>1<NAME>ATM<MEMO>Withdrawal</STMTTRN></BANKMSGSRSV1></OFX>').length,expected:1,tol:0});
  checks.push({label:'CRA room snapshot parser finds TFSA room',actual:parseCraRoomSnapshots('Your 2026 TFSA contribution room is $7,000.00').length,expected:1,tol:0});
  checks.push({label:'CRA TFSA PDF parser extracts contribution and withdrawal',actual:(()=>{const s=`Transactions for CIBC RSP CENTRE , 66540998\n2016-11-30 25.00 0.00\n2017-11-02 0.00 301.27`; const r=parseCraTfsaPdf(s); return r.candidates.length===2 && r.candidates[0].type==='Contribution' && r.candidates[1].type==='Withdrawal';})()?1:0,expected:1,tol:0});
  checks.push({label:'CRA FHSA PDF parser extracts contribution and transfer out',actual:(()=>{const s=`Financial Institution: Wealthsimple Investments Inc.\nFHSA contract number: DEMO-FHSA-CAD-001\n2025-03-13 CONTRIBUTION 54.87\n2024-03-28 FHSA TRANSFER OUT 942.18`; const r=parseCraFhsaPdf(s); return r.candidates.length===2 && r.candidates[0].type==='Contribution' && r.candidates[1].type==='FHSA Direct Transfer Out';})()?1:0,expected:1,tol:0});
  checks.push({label:'Wealthsimple FHSA PDF parser treats transfer in as contribution',actual:(()=>{const meta={pages:[{pageNumber:1,refDate:'2026-03-22',lines:[{text:'Yesterday'},{text:'Transfer in'},{text:'FHSA'},{text:'$30.00 CAD'}]}]}; const r=parseWealthsimpleActivityPdf(meta,'FHSA'); return r.candidates.length===1 && r.candidates[0].d==='2026-03-21' && r.candidates[0].type==='Contribution';})()?1:0,expected:1,tol:0});
  checks.push({label:'Flexible MDY import date parses 2-digit year',actual:parseFlexibleDate('1/21/26','MDY')==='2026-01-21'?1:0,expected:1,tol:0});
  checks.push({label:'Wealthsimple export detection recognizes net_cash_amount schema',actual:detectImportSource('transaction_date,account_id,account_type,activity_type,activity_sub_type,direction,net_cash_amount\n1/21/26,DEMO-TFSA-CAD-001,TFSA,Contribution,Cash,IN,410.00','wealthsimple_activity.csv',{fileType:'text'})==='wealthsimple_export'?1:0,expected:1,tol:0});
  checks.push({label:'Wealthsimple TFSA CSV import parses M/D/YY net cash row',actual:(()=>{const text='transaction_date,account_id,account_type,activity_type,activity_sub_type,direction,net_cash_amount\n1/21/26,DEMO-TFSA-CAD-001,TFSA,Contribution,Cash,IN,410.00'; const r=buildGenericTableCandidates(text,'wealthsimple_tfsa.csv',{plan:'TFSA'},'wealthsimple_export'); return r.candidates.length===1 && r.candidates[0].plan==='TFSA' && r.candidates[0].d==='2026-01-21' && r.candidates[0].type==='Contribution' && Math.abs(r.candidates[0].amt-410)<0.005;})()?1:0,expected:1,tol:0});

  checks.push({label:'Wealthsimple export infers institution when broker column is missing',actual:(()=>{const text='transaction_date,account_id,account_type,activity_type,activity_sub_type,direction,net_cash_amount\n1/21/26,DEMO-TFSA-CAD-001,TFSA,MoneyMovement,EFT,,410.00'; const r=buildGenericTableCandidates(text,'wealthsimple_tfsa.csv',{plan:'TFSA'},'wealthsimple_export'); return r.candidates.length===1 && r.candidates[0].inst==='Wealthsimple';})()?1:0,expected:1,tol:0});
  checks.push({label:'Wealthsimple TFSA export dedupes against grouped seeded activity account',actual:(()=>{const text='transaction_date,account_id,account_type,activity_type,activity_sub_type,direction,net_cash_amount\n1/21/26,DEMO-TFSA-CAD-001,TFSA,MoneyMovement,EFT,,410.00'; const original={tT:clone(tT),fT:clone(fT)}; try{tT=[ensureTxnIdentity('TFSA',{d:'2026-01-21',inst:'Wealthsimple',acct:'Grouped TFSA activity export',type:'Contribution',amt:410,treat:'Include',note:'',id:'WS-GROUPED'},1)]; fT=[]; const r=buildImportSessionFromSource(text,'wealthsimple_tfsa.xlsx',{sourceKind:'auto',plan:'AUTO',signMode:'positive_inflow',dateFormat:'AUTO',institution:'',account:'',mergeMode:'skip'},null); return r.duplicateCount===1 && r.candidates.length===1 && r.candidates[0].duplicate===true; } finally { tT=original.tT; fT=original.fT; }})()?1:0,expected:1,tol:0});
  checks.push({label:'Wealthsimple export disables nearby-date probable duplicate heuristics',actual:(()=>{const sess={sourceDetected:'Wealthsimple CSV / XLSX activity export',fileName:'fhsa.xlsx',sourceMeta:{fileType:'spreadsheet'},candidates:[{inst:'Wealthsimple'}]}; return shouldUseProbableDateMatchForSession(sess)?0:1;})(),expected:1,tol:0});
  checks.push({label:'Wealthsimple FHSA export keeps adjacent equal contributions selectable',actual:(()=>{const text='transaction_date,account_id,account_type,activity_type,activity_sub_type,direction,net_cash_amount\n2/12/26,DEMO-FHSA-CAD-001,FHSA,MoneyMovement,EFT,,50.00\n2/13/26,DEMO-FHSA-CAD-001,FHSA,MoneyMovement,EFT,,50.00\n2/17/26,DEMO-FHSA-CAD-001,FHSA,MoneyMovement,EFT,,50.00'; const original={tT:clone(tT),fT:clone(fT)}; try{tT=[]; fT=[]; const r=buildImportSessionFromSource(text,'fhsa.xlsx',{sourceKind:'auto',plan:'AUTO',signMode:'positive_inflow',dateFormat:'AUTO',institution:'',account:'',mergeMode:'skip'},null); return r.parsedRows===3 && r.duplicateCount===0 && r.candidates.every(c=>c.selected&&!c.duplicate&&!c.probableDuplicate); } finally { tT=original.tT; fT=original.fT; }})()?1:0,expected:1,tol:0});

  checks.push({label:'CRA duplicate pool is count-based, not boolean',actual:(()=>{const opts={ignoreNote:true,canonicalize:true,allowDateTypeAmountMatch:true}; const existing=[ensureTxnIdentity('TFSA',{d:'2024-03-25',inst:'Wealthsimple',acct:'DEMO-TFSA-CAD-001',type:'Contribution',amt:310,treat:'Include',note:'',id:'POOL-1'},1)]; const pool=buildLedgerMatchPool('TFSA',existing,opts); const incoming=ensureTxnIdentity('TFSA',{d:'2024-03-25',inst:'Wealthsimple',acct:'DEMO-TFSA-CAD-001',type:'Contribution',amt:310,treat:'Include',note:'',id:'POOL-2'},2); const m1=consumeLedgerPoolMatch('TFSA',incoming,pool,opts); const m2=consumeLedgerPoolMatch('TFSA',incoming,pool,opts); return (m1.match?1:0)+(m2.match?1:0)===1;})()?1:0,expected:1,tol:0});
  checks.push({label:'Non-CRA import preview uses count-based pool dedup',actual:(()=>{const original={tT:clone(tT),fT:clone(fT)}; try{tT=[ensureTxnIdentity('TFSA',{d:'2024-03-25',inst:'Wealthsimple',acct:'Grouped TFSA activity export',type:'Contribution',amt:310,treat:'Include',note:'',id:'EXIST-1'},1)]; fT=[]; const text='transaction_date,account_id,account_type,activity_type,activity_sub_type,direction,net_cash_amount\n2024-03-25,DEMO-TFSA-CAD-001,TFSA,MoneyMovement,EFT,,310.00\n2024-03-25,DEMO-TFSA-CAD-001,TFSA,MoneyMovement,EFT,,310.00'; const r=buildImportSessionFromSource(text,'ws.xlsx',{sourceKind:'auto',plan:'AUTO',signMode:'positive_inflow',dateFormat:'AUTO',institution:'',account:'',mergeMode:'skip'},null); const dupeCount=r.candidates.filter(c=>c.duplicate||c.probableDuplicate).length; const selectable=r.candidates.filter(c=>c.selected&&!c.duplicate&&!c.probableDuplicate).length; return dupeCount===1 && selectable===1; } finally { tT=original.tT; fT=original.fT; }})()?1:0,expected:1,tol:0});
  checks.push({label:'Wealthsimple TFSA account normalization is symmetric in dedup',actual:(()=>{const opts={ignoreNote:true,canonicalize:true}; const existing=[ensureTxnIdentity('TFSA',{d:'2024-03-25',inst:'Wealthsimple',acct:'Grouped TFSA activity export',type:'Contribution',amt:310,treat:'Include',note:'',id:'SYM-1'},1)]; const pool=buildLedgerMatchPool('TFSA',existing,opts); const incoming=ensureTxnIdentity('TFSA',{d:'2024-03-25',inst:'Wealthsimple',acct:'DEMO-TFSA-CAD-001',type:'Contribution',amt:310,treat:'Include',note:'',id:'SYM-2'},2); const m=consumeLedgerPoolMatch('TFSA',incoming,pool,opts); return m.match;})()?1:0,expected:1,tol:0});
  checks.push({label:'Start Empty only clears the active profile',actual:(()=>{const keepT=[ensureTxnIdentity('TFSA',{d:'2024-01-01',inst:'Test',acct:'A',type:'Contribution',amt:100,treat:'Include',note:'',id:'KEEP-T'},1)]; const keepF=[ensureTxnIdentity('FHSA',{d:'2024-01-01',inst:'Test',acct:'F',type:'Contribution',amt:200,status:'Include',note:'',id:'KEEP-F'},2)]; const original={profileState:clone(profileState),tT:clone(tT),fT:clone(fT),trackerConfig:cloneConfig(trackerConfig),uiPrefs:clonePrefs(uiPrefs),importSession,importSourceBuffer:clone(importSourceBuffer),cached:_cachedSelfTest}; try{profileState={active:'p2',profiles:{p1:normalizeProfileBundle({label:'Profile 1',t:clone(keepT),f:clone(keepF),config:cloneConfig(trackerConfig),prefs:clonePrefs(uiPrefs),resetMode:'seeded'},'p1'),p2:normalizeProfileBundle({label:'Profile 2',t:[ensureTxnIdentity('TFSA',{d:'2024-02-01',inst:'Test',acct:'B',type:'Contribution',amt:300,treat:'Include',note:'',id:'P2-T'},3)],f:[ensureTxnIdentity('FHSA',{d:'2024-02-01',inst:'Test',acct:'G',type:'Contribution',amt:400,status:'Include',note:'',id:'P2-F'},4)],config:cloneConfig(trackerConfig),prefs:clonePrefs(uiPrefs),resetMode:'empty'},'p2')}}; applyProfileBundle('p2'); applyStartEmptyToActiveProfile(); const p1=profileState.profiles.p1; const p2=profileState.profiles.p2; return p1.t.length===1 && p1.f.length===1 && p2.t.length===0 && p2.f.length===0; } finally { profileState=original.profileState; tT=original.tT; fT=original.fT; trackerConfig=original.trackerConfig; uiPrefs=original.uiPrefs; importSession=original.importSession; importSourceBuffer=original.importSourceBuffer; _cachedSelfTest=original.cached; }})()?1:0,expected:1,tol:0});
  checks.push({label:'Reset restores seeded Profile 1 and empty Profile 2',actual:(()=>{const original={profileState:clone(profileState),tT:clone(tT),fT:clone(fT),trackerConfig:cloneConfig(trackerConfig),uiPrefs:clonePrefs(uiPrefs),importSession,importSourceBuffer:clone(importSourceBuffer),cached:_cachedSelfTest}; try{profileState={active:'p1',profiles:{p1:makeEmptyProfileBundle('Profile 1'),p2:makeSeedProfileBundle('Profile 2')}}; applyProfileBundle('p1'); const seed1=applyResetSeedToActiveProfile(); const p1ok=(seed1.resetMode==='seeded' && tT.length>0 && fT.length>0); profileState.active='p2'; applyProfileBundle('p2'); const seed2=applyResetSeedToActiveProfile(); return p1ok && seed2.resetMode==='empty' && tT.length===0 && fT.length===0; } finally { profileState=original.profileState; tT=original.tT; fT=original.fT; trackerConfig=original.trackerConfig; uiPrefs=original.uiPrefs; importSession=original.importSession; importSourceBuffer=original.importSourceBuffer; _cachedSelfTest=original.cached; }})()?1:0,expected:1,tol:0});

  trackerConfig=oldConfig;
  profileState=oldProfileState;
  tT=oldTT; fT=oldFT; rT=oldRT; rrspYears=oldRrspYears; rrspReceipts=oldRrspReceipts; rrspMeta=oldRrspMeta;
  if(profileState&&profileState.profiles&&profileState.profiles[oldActiveProfile]){
    try{ applyProfileBundle(oldActiveProfile); }catch(_){ }
  }

  let allPass=true;
  const results=checks.map(c=>{
    const pass=Math.abs(safeNum(c.actual)-c.expected)<=c.tol;
    if(!pass)allPass=false;
    return {...c,pass};
  });
  return {allPass,results};
}


// ═══════════════════════════════════════════════════
// PERSISTENCE — with localStorage error handling
// ═══════════════════════════════════════════════════

const STORAGE_KEY='roommap-demo-v16-21m';
const LEGACY_STORAGE_KEYS=[STORAGE_KEY];
const RRSP_EMPTY_EXPLICIT_VERSION='rrsp-empty-v4';
const TRACKER_SCHEMA_VERSION=12;
function save(){
  try{
    _cachedSelfTest=null;
    ensureProfileState();
    captureCurrentProfile();
    const data={schemaVersion:TRACKER_SCHEMA_VERSION,t:tT,f:fT,config:trackerConfig,prefs:uiPrefs,profiles:profileState.profiles,activeProfile:profileState.active,savedAt:Date.now()};
    data.checksum=simpleChecksum({profiles:data.profiles||null,activeProfile:data.activeProfile||'p1',t:data.t,f:data.f,config:data.config,prefs:data.prefs,savedAt:data.savedAt,schemaVersion:data.schemaVersion});
    localStorage.setItem(STORAGE_KEY,JSON.stringify(data));
  } catch(e){
    console.error('Save failed:',e);
    showToast('⚠️ Could not save — storage may be full.',null,4000);
  }
}
function load(){
  try{
    const keys=LEGACY_STORAGE_KEYS;
    for(const key of keys){
      const s=localStorage.getItem(key);
      if(!s)continue;
      const d=JSON.parse(s);
      const payload=(d&&d.data&&typeof d.data==='object')?Object.assign({},d.data,{schemaVersion:d.schemaVersion||d.data.schemaVersion,checksum:d.checksum||d.data.checksum,savedAt:d.savedAt||d.data.savedAt}):d;
      if(payload&&payload.checksum){
        const actual=simpleChecksum({
          profiles:payload.profiles||null,
          activeProfile:payload.activeProfile||'p1',
          t:Array.isArray(payload.t)?payload.t:[],
          f:Array.isArray(payload.f)?payload.f:[],
          config:payload.config||clone(CONFIG_DEFAULTS),
          prefs:payload.prefs||clone(UI_DEFAULTS),
          savedAt:payload.savedAt||0,
          schemaVersion:payload.schemaVersion||0
        });
        if(actual!==String(payload.checksum||'')){
          _loadWarnings.push('Saved local data failed integrity verification and was skipped. Import your latest JSON backup if needed.');
          console.warn('Skipped saved data with checksum mismatch for key', key);
          continue;
        }
      }
      if(payload.profiles&&typeof payload.profiles==='object'){
        profileState={
          active:payload.activeProfile||'p1',
          profiles:{
            p1:normalizeProfileBundle(payload.profiles.p1,'p1'),
            p2:normalizeProfileBundle(payload.profiles.p2,'p2')
          }
        };
        applyProfileBundle(profileState.active||'p1');
        return true;
      }
      if(payload.t)tT=payload.t;
      if(payload.f)fT=payload.f;
      if(payload.rrsp||payload.rrspTxns||payload.rrspAnnual||payload.rrspReceipts||payload.rrspMeta){
        const migratedRrsp=normalizeRrspState(payload.rrsp||{txns:payload.rrspTxns||[],annual:payload.rrspAnnual||[],receipts:payload.rrspReceipts||[],meta:payload.rrspMeta||{}}, true);
        rT=clone(migratedRrsp.txns);
        rrspYears=clone(migratedRrsp.annual);
        rrspReceipts=clone(migratedRrsp.receipts);
        rrspMeta=clone(migratedRrsp.meta);
      }else{
        const seededRrsp=cloneRrspSeed();
        rT=clone(seededRrsp.txns);
        rrspYears=clone(seededRrsp.annual);
        rrspReceipts=clone(seededRrsp.receipts);
        rrspMeta=clone(seededRrsp.meta);
      }
      if(payload.config)trackerConfig=cloneConfig(payload.config);
      if(payload.prefs)uiPrefs=clonePrefs(payload.prefs);
      profileState=buildInitialProfileStateFromCurrent();
      captureCurrentProfile();
      return true;
    }
  }catch(e){console.error(e)}
  return false;
}


// ═══════════════════════════════════════════════════
// TOAST & UNDO SYSTEM
// ═══════════════════════════════════════════════════
let toastTimer=null;
function showToast(msg,undoFn,duration=5000){
  if(undoFn&&duration<10000)duration=10000;
  clearTimeout(toastTimer);
  const container=document.getElementById('toast-container');
  let html=`<div class="toast"><span>${msg}</span>`;
  if(undoFn){html+=`<button onclick="executeUndo()">Undo</button>`}
  html+=`</div>`;
  container.innerHTML=html;
  toastTimer=setTimeout(()=>{container.innerHTML='';},duration);
}
function executeUndo(){
  if(undoStack.length){
    const action=undoStack.pop();
    if(action.type==='delete'){
      const arr=action.plan==='TFSA'?tT:fT;
      arr.splice(action.origIndex,0,action.txn);
      save(); render();
    } else if(action.type==='edit'){
      const arr=action.plan==='TFSA'?tT:fT;
      arr[action.origIndex]=action.oldTxn;
      save(); render();
    }
  }
  document.getElementById('toast-container').innerHTML='';
}

// ═══════════════════════════════════════════════════
// WHAT-IF SIMULATOR
// ═══════════════════════════════════════════════════
function runWhatIf(){
  const plan=document.getElementById('wi-plan')?.value||'TFSA';
  const amt=safeNum(document.getElementById('wi-amount')?.value);
  const dateVal=document.getElementById('wi-date')?.value||new Date().toISOString().split('T')[0];
  if(amt<=0){document.getElementById('wi-result').innerHTML='<p class="dim">Enter a positive amount to simulate.</p>';return}

  const resultEl=document.getElementById('wi-result');
  if(plan==='TFSA'){
    const fakeTxn={d:dateVal,inst:'What-If',acct:'sim',type:'Contribution',amt,treat:'Include',note:'simulation'};
    const before=calcTFSA(tT);
    const after=calcTFSA([...tT,fakeTxn]);
    const cy=getCurrentYear();
    const bY=before.years[cy]||{}, aY=after.years[cy]||{};
    const roomDrop=safeNum(bY.yeRoom)-safeNum(aY.yeRoom);
    const excessDelta=safeNum(aY.yeExcess)-safeNum(bY.yeExcess);
    const taxDelta=after.monthlyTax.reduce((s,t)=>s+t.tax,0)-before.monthlyTax.reduce((s,t)=>s+t.tax,0);
    resultEl.innerHTML=`<p><b>TFSA What-If: +${F(amt)} on ${dateVal}</b></p>
      <p>Room remaining: ${F(bY.yeRoom)} → <b class="${aY.yeRoom<0.01?'red':'green'}">${F(aY.yeRoom)}</b> (−${F(roomDrop)})</p>
      <p>Year-end excess: ${F(bY.yeExcess)} → <b class="${aY.yeExcess>0.01?'red':'green'}">${F(aY.yeExcess)}</b>${excessDelta>0.01?' (+'+F(excessDelta)+')':''}</p>
      <p>Tax impact: ${taxDelta>0.005?'<b class="red">+'+F(taxDelta)+' indicative tax</b>':'<span class="green">No additional tax</span>'}</p>`;
  } else {
    const fakeTxn={d:dateVal,inst:'What-If',acct:'sim',type:'Contribution',status:'Include',amt,note:'simulation'};
    const before=calcFHSA(fT);
    const after=calcFHSA([...fT,fakeTxn]);
    const cy=getCurrentYear();
    const bY=before.years[cy]||{}, aY=after.years[cy]||{};
    const roomDrop=safeNum(bY.yeRoom)-safeNum(aY.yeRoom);
    const excessDelta=safeNum(aY.yeExcess)-safeNum(bY.yeExcess);
    const taxDelta=after.monthlyTax.reduce((s,t)=>s+t.tax,0)-before.monthlyTax.reduce((s,t)=>s+t.tax,0);
    resultEl.innerHTML=`<p><b>FHSA What-If: +${F(amt)} on ${dateVal}</b></p>
      <p>Room remaining: ${F(bY.yeRoom)} → <b class="${aY.yeRoom<0.01?'red':'green'}">${F(aY.yeRoom)}</b> (−${F(roomDrop)})</p>
      <p>Year-end excess: ${F(bY.yeExcess)} → <b class="${aY.yeExcess>0.01?'red':'green'}">${F(aY.yeExcess)}</b>${excessDelta>0.01?' (+'+F(excessDelta)+')':''}</p>
      <p>Lifetime left: ${F(aY.lifetimeLeft)}</p>
      <p>Tax impact: ${taxDelta>0.005?'<b class="red">+'+F(taxDelta)+' indicative tax</b>':'<span class="green">No additional tax</span>'}</p>`;
  }
}

// ═══════════════════════════════════════════════════
// CRA RECONCILIATION HELPER
// ═══════════════════════════════════════════════════

function getReconciliationContext(plan){
  const cy=getCurrentYear();
  const snaps=(uiPrefs&&uiPrefs.craSnapshots)||{};
  if(plan==='FHSA'){
    const fhsa=calcFHSA(fT);
    const yc=fhsa.years[cy]||{};
    const snapshot=snaps.fhsa&&+snaps.fhsa.year===cy?snaps.fhsa:null;
    return {
      plan:'FHSA',
      year:cy,
      trackerValue:safeNum(yc.participationRoom),
      trackerLabel:'Tracker computed participation room',
      inputLabel:'CRA Stated Participation Room ($)',
      placeholder:'e.g. 8000',
      snapshot,
      desc:`Enter your CRA-stated FHSA participation room for ${cy} to compare against this tracker\'s computed participation room. FHSA direct transfers should remain room-neutral.${snapshot?` Imported CRA snapshot detected for ${cy}: <b>${F(snapshot.amount)}</b>.`:''}`,
      mismatchHint:'Common causes: a direct FHSA transfer classified as a contribution, a missing taxable or designated withdrawal, an opening-year mismatch, or duplicate counted inflows.'
    };
  }
  const tfsa=calcTFSA(tT);
  const yc=tfsa.years[cy]||{};
  const snapshot=snaps.tfsa&&+snaps.tfsa.year===cy?snaps.tfsa:null;
  return {
    plan:'TFSA',
    year:cy,
    trackerValue:safeNum(yc.openRoom),
    trackerLabel:'Tracker computed opening room',
    inputLabel:'CRA Stated Room ($)',
    placeholder:'e.g. 7000',
    snapshot,
    desc:`Enter your CRA-stated TFSA room (from My Account or your latest Notice of Assessment) to check against this tracker\'s computed opening room for ${cy}.${snapshot?` Imported CRA snapshot detected for ${cy}: <b>${F(snapshot.amount)}</b>.`:''}`,
    mismatchHint:'Common causes: unrecorded transfers, CRA adjustments, timing differences on late-December transactions, or contributions not yet reflected in CRA systems.'
  };
}
function syncReconciliationTool(preserveValue=false){
  const planEl=document.getElementById('recon-plan');
  if(!planEl) return;
  const ctx=getReconciliationContext(planEl.value||'TFSA');
  const descEl=document.getElementById('recon-desc');
  const labelEl=document.getElementById('recon-room-label');
  const inputEl=document.getElementById('recon-cra-room');
  const resultEl=document.getElementById('recon-result');
  if(descEl) descEl.innerHTML=ctx.desc;
  if(labelEl) labelEl.textContent=ctx.inputLabel;
  if(inputEl){
    inputEl.placeholder=ctx.placeholder;
    if(!preserveValue || !String(inputEl.value||'').trim()) inputEl.value=ctx.snapshot?safeNum(ctx.snapshot.amount):'';
  }
  if(resultEl) resultEl.innerHTML='';
}
function runReconciliation(){
  const plan=document.getElementById('recon-plan')?.value||'TFSA';
  const craRoom=safeNum(document.getElementById('recon-cra-room')?.value);
  const resultEl=document.getElementById('recon-result');
  if(craRoom<=0){resultEl.innerHTML='<p class="dim">Enter your CRA-stated room to compare.</p>';return}
  const ctx=getReconciliationContext(plan);
  const diffSigned=ctx.trackerValue-craRoom;
  const diff=Math.abs(diffSigned);
  const match=diff<1.00;
  resultEl.innerHTML=`<div class="recon-diff ${match?'match':'mismatch'}">
    <p><b>${ctx.plan} CRA-stated room (${ctx.year}):</b> ${F(craRoom)}</p>
    <p><b>${ctx.trackerLabel}:</b> ${F(ctx.trackerValue)}</p>
    <p><b>Difference:</b> ${diffSigned>0?'+':''}${F(diffSigned)} ${match?'✅ Match (within $1)':'⚠️ Mismatch — review transactions or CRA adjustments'}</p>
    ${!match?`<p class="dim mt-sm">${ctx.mismatchHint}</p>`:''}
  </div>`;
}


function computeDataHealth(tfsa,fhsa){
  const now=todayISO();
  const futureTfsa=tT.filter(t=>String(t.d||'')>now).length;
  const futureFhsa=fT.filter(t=>String(t.d||'')>now).length;
  const reviewTfsa=tT.filter(t=>(t.treat||'Include')==='Review').length;
  const reviewFhsa=fT.filter(t=>(t.status||'Include')==='Review').length;
  const sameDayPairs=[...tT,...fT].reduce((acc,t)=>{const k=`${t.d}::${t.inst}::${t.acct}`;acc[k]=(acc[k]||0)+1;return acc;},{});
  const crowdedDays=Object.values(sameDayPairs).filter(v=>v>1).length;
  return {futureTfsa,futureFhsa,reviewTfsa,reviewFhsa,crowdedDays,total:tT.length+fT.length,planningYear:getCurrentYear(),latestLoadedYear:getLatestLoadedYear()};
}
function computeFhsaDeadlineInfo(fhsa,cy){
  const yearsActive=Math.max(0,cy-getFhsaStartYear()+1);
  const closingYearBy15=getFhsaStartYear()+14;
  const qualifyingDates=fT.filter(t=>normalizeFhsaType(t.type,{strict:true})==='Qualifying Withdrawal').map(t=>String(t.d||'')).sort();
  const closingYearByQualifying=qualifyingDates.length?(+qualifyingDates[0].slice(0,4)+1):null;
  const birth=parseIsoDate(trackerConfig.fhsaBirthDate||'');
  const closingYearByAge71=birth?(birth.y+71):null;
  const closeYears=[closingYearBy15];
  if(closingYearByQualifying)closeYears.push(closingYearByQualifying);
  if(closingYearByAge71)closeYears.push(closingYearByAge71);
  const earliestKnownCloseYear=Math.min(...closeYears);
  return {yearsActive,closingYearBy15,closingYearByQualifying,closingYearByAge71,earliestKnownCloseYear,hasBirthDate:!!birth};
}
function buildExplainabilityPanel(tfsa,fhsa,cy){
  const t=tfsa.years[cy]||{};
  const f=fhsa.years[cy]||{};
  return `<div class="panel mt-lg"><h3 class="panel-title">Explainability Snapshot — ${cy}</h3>
    <div class="overflow"><table class="mobile-stack"><thead><tr><th>Plan</th><th class="r">Opening Room</th><th class="r">Current-Year Inflows</th><th class="r">Carry / Re-part.</th><th class="r">Year-End Room</th><th class="r">Year-End Excess</th></tr></thead><tbody>
      <tr><td data-label="Plan"><span class="pill pill-tfsa">TFSA</span></td><td data-label="Opening Room" class="r blue">${F(t.openRoom)}</td><td data-label="Current-Year Inflows" class="r green">${F(t.contribs)}</td><td data-label="Carry / Re-part." class="r mute">${F(t.addbackWD||0)} addback next year</td><td data-label="Year-End Room" class="r blue">${F(t.yeRoom)}</td><td data-label="Year-End Excess" class="r ${safeNum(t.yeExcess)>0.005?'red':'dim'}">${safeNum(t.yeExcess)>0.005?F(t.yeExcess):'—'}</td></tr>
      <tr><td data-label="Plan"><span class="pill pill-fhsa">FHSA</span></td><td data-label="Opening Room" class="r blue">${F(f.openRoom)}</td><td data-label="Current-Year Inflows" class="r green">${F(f.countedInflows)}</td><td data-label="Carry / Re-part." class="r mute">${F(f.carryforward||0)} carry + ${F(f.reParticipationPrior||0)} re-part.</td><td data-label="Year-End Room" class="r blue">${F(f.yeRoom)}</td><td data-label="Year-End Excess" class="r ${safeNum(f.yeExcess)>0.005?'red':'dim'}">${safeNum(f.yeExcess)>0.005?F(f.yeExcess):'—'}</td></tr>
    </tbody></table></div>
    <p class="note-inline">FHSA taxable withdrawals that do not reduce or eliminate excess generate re-participation for a future year. Qualifying withdrawals do not remove an excess FHSA amount.</p>
  </div>`;
}
function buildDataHealthPanel(health,deadline){
  return `<div class="g2">
    <div class="panel mt-lg"><h3 class="panel-title">Data Health</h3>
      <p class="panel-text">• <b>Total stored rows:</b> ${health.total}</p>
      <p class="panel-text">• <b>Review rows:</b> ${health.reviewTfsa+health.reviewFhsa} (${health.reviewTfsa} TFSA, ${health.reviewFhsa} FHSA)</p>
      <p class="panel-text">• <b>Future-dated rows:</b> ${health.futureTfsa+health.futureFhsa}</p>
      <p class="panel-text">• <b>Dashboard / planning year:</b> ${health.planningYear}</p>
      <p class="panel-text">• <b>Latest ledger year loaded:</b> ${health.latestLoadedYear}</p>
      <p class="panel-text">• <b>Busy same-day ledger clusters:</b> ${health.crowdedDays}</p>
      <p class="panel-sub">Review rows are excluded from room calculations until reclassified. Future rows do not silently move the dashboard year; they only extend forward-looking calculations. ${uiPrefs.lastImportSummary?` Last analyzed source: <b>${escapeHtml(uiPrefs.lastImportSummary.source)}</b> (${uiPrefs.lastImportSummary.rows} parsed rows).`:''}${uiPrefs.lastImportSummary&&uiPrefs.lastImportSummary.duplicates&&uiPrefs.lastImportSummary.duplicates.length?`<br><span class="dim">Skipped duplicate note: ${uiPrefs.lastImportSummary.duplicates.slice(0,5).map(escapeHtml).join(' • ')}${uiPrefs.lastImportSummary.duplicates.length>5?' • …':''}</span>`:''}</p>
    </div>
    <div class="panel mt-lg"><h3 class="panel-title">FHSA Deadline Watch</h3>
      <p class="panel-text">• <b>Years active:</b> ${deadline.yearsActive} of 15</p>
      <p class="panel-text">• <b>15-year close year:</b> ${deadline.closingYearBy15}</p>
      <p class="panel-text">• <b>Age-71 close year:</b> ${deadline.closingYearByAge71||'Add birth date in settings'}</p>
      <p class="panel-text">• <b>First qualifying-withdrawal close year:</b> ${deadline.closingYearByQualifying||'Not triggered'}</p>
      <p class="panel-text">• <b>Earliest known close year:</b> ${deadline.earliestKnownCloseYear}</p>
      <p class="panel-sub">${deadline.hasBirthDate?'Age-71 closure is now included using the stored birth date.':'Add the FHSA holder birth date in settings to include the age-71 closure rule.'}</p>
    </div>
  </div>`;
}


// ═══════════════════════════════════════════════════
// RENDERING — Dashboard
// ═══════════════════════════════════════════════════
function card(label,value,sub,warn,opts){
  const o=opts||{};
  const cls=['card'];
  if(warn)cls.push('warn');
  if(o.accent&&!warn)cls.push('accent-'+o.accent);
  let h=`<div class="${cls.join(' ')}"><div class="card-label">${label}</div><div class="card-val">${value}</div>`;
  if(sub)h+=`<div class="card-sub">${sub}</div>`;
  if(o.progress!==undefined){
    const pct=Math.max(0,Math.min(100,o.progress));
    h+=`<div class="card-progress-wrap"><div class="card-progress"><div class="card-progress-fill fill-${o.progressColor||'blue'}" style="width:${pct}%"></div></div></div>`;
  }
  h+=`</div>`;
  return h;
}

function buildDemoLifecycleBanner(){
  ensureProfileState();
  const active=profileState.active||'p1';
  if(active!=='p1') return '';
  const current=profileState.profiles[active]||normalizeProfileBundle(null,active);
  const hasBaseline=hasCustomBaseline(current);
  const demoActive=!!(uiPrefs&&uiPrefs.demoSeedActive);
  if(demoActive){
    const baselineButton=hasBaseline?'<button type="button" class="sec" onclick="resetData()">Restore My Baseline</button>':'';
    return '<div class="note-box demo-banner"><h3>Demo mode is active</h3><p>This build starts with synthetic TFSA, FHSA, and RRSP data so a new user can review the workflow safely before entering personal data.</p><p><b>Start Empty</b> to clear the demo, <b>Import Data</b> to bring in real files, and use <b>Reset</b> to restore the factory demo later.'+(hasBaseline?' You also have a saved personal baseline available.':'')+'</p><div class="inline-btns"><button type="button" onclick="openImportAssistant()">Import Data</button><button type="button" class="sec" onclick="startEmpty()">Start Empty</button>'+baselineButton+'</div></div>';
  }
  if(!hasBaseline && !activeProfileHasLedgerData()) return '';
  return '<div class="note-box demo-banner"><h3>Personal mode is active</h3><p>This profile is no longer using the factory demo data. Save the current ledger as your reset baseline once the imported data looks correct.</p><p><b>Set Current as Baseline</b> makes future resets restore this person\'s data instead of the factory demo. <b>Restore Factory Demo</b> lets you view the sample data again without deleting your saved baseline.</p><div class="inline-btns"><button type="button" onclick="setCurrentAsBaseline()">Set Current as Baseline</button><button type="button" class="sec" onclick="restoreFactoryDemo()">Restore Factory Demo</button></div></div>';
}

function render(){
  updateProfileBar();
  const tfsa=calcTFSA(tT), fhsa=calcFHSA(fT);
  const cy=getCurrentYear();
  const tc=tfsa.years[cy]||{}, fc=fhsa.years[cy]||{};
  const tTot=tfsa.monthlyTax.reduce((s,t)=>s+safeNum(t.tax),0);
  const fTot=fhsa.monthlyTax.reduce((s,t)=>s+safeNum(t.tax),0);
  const fhsaWarnings=Object.values(fhsa.years).reduce((acc,y)=>({ambiguous:acc.ambiguous+safeNum(y.ambiguousLegacyCount),unknown:acc.unknown+safeNum(y.unknownTypeCount)}),{ambiguous:0,unknown:0});

  // Self-test badge (cached)
  if(!_cachedSelfTest) _cachedSelfTest=runSelfTest();
  const test=_cachedSelfTest;
  const badge=`<span class="engine-badge ${test.allPass?'pass':'fail'}">${test.allPass?'✓ Engine verified':'⚠ Engine mismatch'}</span>`;
  const dashboardMeta=`<div class="dashboard-view-meta">${badge}<span class="profile-inline-label" title="Active profile">${escapeHtml(getActiveProfileLabel())}</span><span class="status-pill">${escapeHtml(getLastSavedLabel())}</span></div>`;

  // Backup reminder
  let backupBanner='';
  try{
    const raw=localStorage.getItem(STORAGE_KEY);
    if(raw){const d=JSON.parse(raw);const age=Date.now()-(d.savedAt||0);if(age>7*24*60*60*1000||!d.savedAt)backupBanner='<div class="backup-banner"><span>Your data is stored locally only. Consider exporting a versioned JSON backup.</span><button onclick="exportJSON()">Export JSON Backup</button></div>'}
  }catch(e){}

  // FHSA 15-year countdown
  const fhsaYearsActive=cy-getFhsaStartYear()+1;
  const fhsa15Left=Math.max(0,15-fhsaYearsActive);
  const fhsa15Note=fhsa15Left<=3?` <span class="gold bold">(${fhsa15Left} year(s) left before mandatory close)</span>`:'';

  // Dashboard
  const demoLifecycleBanner=buildDemoLifecycleBanner();
  const isLedgerEmpty=!tT.length&&!fT.length;
  const emptySetupBanner=isLedgerEmpty?`<div class="note-box empty-setup-banner"><h3>Set up your starting rules before importing</h3><p><b>${escapeHtml(getActiveProfileLabel())}</b> is currently empty. Before importing any files, review <b>Settings</b> so the opening room and planning year reflect the real account owner.</p><p>Recommended first checks: <b>TFSA Eligible Start Year</b>, <b>Dashboard / Planning Year</b>, <b>FHSA First Participation Year</b>, and <b>FHSA Birth Date</b> if you want the age-71 FHSA closure rule included.</p><div class="inline-btns"><button onclick="openSettings()">Open Settings</button><button onclick="openImportAssistant()">Import Data</button></div></div>`:'';
  let h=demoLifecycleBanner+emptySetupBanner+backupBanner+buildPostImportNotice();
  h+=`<div class="section-head"><h2 class="sec">TFSA — ${cy}</h2><div style="display:flex;align-items:center;gap:10px">${badge}<span class="profile-inline-label" title="Active profile">${escapeHtml(getActiveProfileLabel())}</span></div></div><div class="cards cards-4">`;
  const tfsaUtilPct=safeNum(tc.openRoom)>0?Math.min(100,(safeNum(tc.contribs)/safeNum(tc.openRoom))*100):100;
  h+=card('Room Remaining',F(tc.yeRoom),'Opening: '+F(tc.openRoom),false,{accent:'blue',progress:100-tfsaUtilPct,progressColor:'blue'});
  h+=card('YTD Contributions',F(tc.contribs),tT.filter(t=>String(t.d||'').startsWith(String(cy))&&normalizeTfsaType(t.type)==='Contribution').length+' contribution txns',false,{accent:'green',progress:tfsaUtilPct,progressColor:'green'});
  h+=card('Peak Monthly Excess',tfsa.monthlyTax.length?F(Math.max(...tfsa.monthlyTax.map(t=>safeNum(t.peak)))):'None',tfsa.monthlyTax.length?tfsa.monthlyTax.length+' taxed months':'No excess months',tfsa.monthlyTax.length>0);
  h+=card('Indicative 1% Tax',tTot>0?F(tTot):'None',tTot>0?'RC243 / Schedule A if assessed':'No modeled tax',tTot>0);
  h+=`</div><h2 class="sec">FHSA — ${cy}${fhsa15Note}</h2><div class="cards cards-3">`;
  const fhsaUtilPct=safeNum(fc.participationRoom)>0?Math.min(100,(safeNum(fc.countedInflows)/safeNum(fc.participationRoom))*100):100;
  const fhsaLifePct=Math.min(100,(safeNum(fc.lifetimeUsed)/safeNum(trackerConfig.fhsaLifetimeLimit||40000))*100);
  h+=card('Room Remaining',F(fc.yeRoom),'Participation room: '+F(fc.participationRoom),false,{accent:'green',progress:100-fhsaUtilPct,progressColor:'green'});
  h+=card('Counted YTD Inflows',F(fc.countedInflows),'Life left: '+F(fc.lifetimeLeft),false,{accent:'blue',progress:fhsaUtilPct,progressColor:'blue'});
  h+=card('Year-End Excess',fc.yeExcess>0.01?F(fc.yeExcess):'None','',fc.yeExcess>0.01);
  h+=card('Indicative 1% Tax',fTot>0?F(fTot):'None',fTot>0?'RC728 / Schedule A if assessed':'No modeled tax',fTot>0);
  h+=card('15-Year Limit',fhsa15Left+' yrs left','Year '+fhsaYearsActive+' of 15',fhsa15Left<=3,{accent:'purple',progress:((fhsaYearsActive)/15)*100,progressColor:'purple'});
  h+=card('Lifetime Progress',fhsaLifePct.toFixed(0)+'%',F(fc.lifetimeUsed)+' of '+F(trackerConfig.fhsaLifetimeLimit),false,{accent:'gold',progress:fhsaLifePct,progressColor:'gold'});
  h+=`</div>`;

  h+=buildRrspDashboardPanel(cy);

  // Smart Tips
  const monthsLeft=currentMonthSlotsRemaining(cy);
  const tPM=monthsLeft>0?safeNum(tc.yeRoom)/monthsLeft:0;
  const fPM=monthsLeft>0?safeNum(fc.yeRoom)/monthsLeft:0;
  const tips=[];
  if(safeNum(tc.yeRoom)>0&&safeNum(tc.yeRoom)<500)tips.push({icon:'🎯',text:`<b>Almost maxed:</b> Only ${F(tc.yeRoom)} TFSA room left for ${cy}. One more contribution could max it out.`});
  else if(tfsaUtilPct<30&&cy===actualCalendarYear())tips.push({icon:'💡',text:`<b>Room available:</b> You've used only ${tfsaUtilPct.toFixed(0)}% of your ${cy} TFSA room. Consider contributing ${F(tPM)}/month to max out.`});
  if(safeNum(fc.yeRoom)>0&&safeNum(fc.yeRoom)<500)tips.push({icon:'🎯',text:`<b>Almost maxed:</b> Only ${F(fc.yeRoom)} FHSA room left for ${cy}.`});
  if(fhsa15Left<=3&&fhsa15Left>0)tips.push({icon:'⏰',text:`<b>FHSA closing soon:</b> ${fhsa15Left} participation year(s) remaining. Plan your remaining ${F(fc.lifetimeLeft)} lifetime room.`});
  if(tTot>0||fTot>0)tips.push({icon:'📋',text:`<b>Tax exposure:</b> ${F(tTot+fTot)} indicative excess tax modeled. Review the Tax tab and consider filing ${tTot>0?'RC243 ':''}${fTot>0?'RC728 ':''}by June 30.`});
  if(safeNum(tc.yeRoom)===0&&safeNum(fc.yeRoom)===0)tips.push({icon:'✅',text:`<b>Fully maxed:</b> Both TFSA and FHSA room for ${cy} are fully utilized.`});
  if(tips.length===0)tips.push({icon:'👍',text:`<b>On track:</b> No urgent actions. Current contribution pace of ${F(tPM)}/month for TFSA.`});
  const visibleTips=tips.slice(0,2);
  h+='<div class="smart-tips"><h3>💡 Smart Tips</h3>';
  visibleTips.forEach(t=>{h+=`<div class="tip"><span class="tip-icon">${t.icon}</span><span>${t.text}</span></div>`});
  if(tips.length>visibleTips.length)h+='<div class="panel-sub" style="margin-top:10px">Additional pacing and reconciliation helpers remain in Insights.</div>';
  h+='</div>';

  const pwaPanel=buildPwaPanel();
  const importHistoryPanel=buildImportHistoryPanel();
  const activityLogPanel=buildActivityLogPanel();
  if(activityLogPanel){
    h+=`<div class="g2 dashboard-support-panels">${pwaPanel}${activityLogPanel}</div>`;
    if(importHistoryPanel)h+=`<div class="g2 dashboard-mini-panels">${importHistoryPanel}</div>`;
  }else if(importHistoryPanel){
    h+=`<div class="g2 dashboard-support-panels">${pwaPanel}${importHistoryPanel}</div>`;
  }else{
    h+=pwaPanel;
  }
  h+='<div class="section-divider"></div>';

  // Dashboard charts
  h+='<div class="g2"><div class="chrt"><h3 class="chrt-title">TFSA Room & Contributions</h3><canvas id="c1"></canvas></div>';
  h+='<div class="chrt"><h3 class="chrt-title">Year-End Room Trend</h3><canvas id="c2"></canvas></div></div>';

  // CRA logic notes
  h+='<details class="details-shell"><summary>CRA logic & assumptions used in this tracker</summary><div class="details-body"><div class="cra"><p>• <b>TFSA:</b> New annual room added January 1. Withdrawals added back next January 1. Only the qualifying portion of a same-year withdrawal reduces excess for 1% tax purposes. Direct transfers between TFSA institutions are room-neutral.</p><p>• <b>FHSA:</b> Contributions and RRSP→FHSA transfers count against participation room. Direct FHSA→FHSA transfers do not. Taxable withdrawals can create re-participation room for a later year rather than same-year spendable room. Designated withdrawals or designated transfers can restore remaining lifetime limit. The maximum participation period ends at the earliest of the 15th anniversary of opening your first FHSA, the year you turn 71, or the year after your first qualifying withdrawal.</p><p>• <b>Excess tax:</b> Modeled at 1% of the highest excess in each month. TFSA excess returns filed on RC243; FHSA on RC728. Generally due by June 30 of the following year.</p><p>• <b>Planning note:</b> CRA room statements can lag the actual ledger. Reconcile against your institution history and CRA notices.</p></div></div></details>';

  // Disclaimer
  h+='<div class="disclaimer">⚠️ <b>Not tax advice.</b> This tracker is for personal planning and record-keeping only. It is not an official CRA calculation engine and it does not constitute tax, legal, or financial advice. Verify all room figures against CRA My Account, Schedule 7 / Schedule 15 / RC243 / RC728 obligations where relevant, and a qualified tax professional before filing or acting on edge cases.</div>';

  // Warnings
  const tfsaReviewCount=tT.filter(t=>(t.treat||'Include')==='Review').length;
  const fhsaQualifyingWithExcess=Object.values(fhsa.years).reduce((s,y)=>s+safeNum(y.qualifyingWithExcessCount),0);
  if(tfsaReviewCount>0||fhsaWarnings.ambiguous>0||fhsaWarnings.unknown>0||fhsaQualifyingWithExcess>0){
    h+=`<div class="note-box"><h3>Review recommended</h3><p>${tfsaReviewCount>0?`⚠️ ${tfsaReviewCount} TFSA row(s) are marked Review and excluded from room calculations. `:''}${fhsaWarnings.ambiguous>0?`⚠️ ${fhsaWarnings.ambiguous} legacy FHSA transfer row(s) interpreted with safe defaults. `:''}${fhsaWarnings.unknown>0?`⚠️ ${fhsaWarnings.unknown} FHSA row(s) with unknown type ignored in room calculations. `:''}${fhsaQualifyingWithExcess>0?`⚠️ ${fhsaQualifyingWithExcess} qualifying withdrawal row(s) occurred while an FHSA excess was present; CRA warns this may leave excess unresolved. `:''}Open the plan tabs to review classifications.</p></div>`;
  }

  // Self-test details (collapsible)
  if(!test.allPass){
    h+=`<div class="note-box warn-box"><h3>Engine Self-Test Failures</h3>`;
    test.results.filter(r=>!r.pass).forEach(r=>{h+=`<p class="red">${r.label}: expected ${r.expected}, got ${safeNum(r.actual).toFixed(2)}</p>`});
    h+=`</div>`;
  }

  document.getElementById('v-dashboard').innerHTML=h;

  // Charts
  setTimeout(()=>{
    if(window._charts)window._charts.forEach(c=>c.destroy());
    window._charts=[];
    const _light=!_isDarkTheme;
    const _gc=_light?'#e4e6ec':'#1a1a2e';
    const _tc=_light?'#889':'#667';
    const _lc=_light?'#334':'#889';
    const _rb=_light?'#e4e6ec':'#1a1a3a';
    const yrs=Object.keys(tfsa.years).filter(y=>+y>=getTfsaStartYear()&&+y<=cy).sort();
    const ctx1=document.getElementById('c1');
    if(ctx1){window._charts.push(new Chart(ctx1,{type:'bar',data:{labels:yrs,datasets:[
      {label:'Contributions',data:yrs.map(y=>safeNum(tfsa.years[y].contribs)),backgroundColor:'#2563eb'},
      {label:'Room Available',data:yrs.map(y=>safeNum(tfsa.years[y].openRoom)),backgroundColor:_rb},
      {label:'Excess',data:yrs.map(y=>safeNum(tfsa.years[y].yeExcess)),backgroundColor:'#dc2626'}
    ]},options:{responsive:true,plugins:{legend:{labels:{color:_lc,font:{size:11}}}},scales:{x:{ticks:{color:_tc,maxTicksLimit:12,maxRotation:45},grid:{color:_gc}},y:{ticks:{color:_tc,callback:v=>'$'+v.toLocaleString()},grid:{color:_gc}}}}}))}
    const ctx2=document.getElementById('c2');
    if(ctx2){window._charts.push(new Chart(ctx2,{type:'line',data:{labels:yrs,datasets:[
      {label:'TFSA YE Room',data:yrs.map(y=>safeNum(tfsa.years[y].yeRoom)),borderColor:'#2563eb',backgroundColor:'rgba(37,99,235,.08)',fill:true,tension:.3},
      {label:'FHSA YE Room',data:yrs.map(y=>fhsa.years[y]?safeNum(fhsa.years[y].yeRoom):0),borderColor:'#4ade80',backgroundColor:'rgba(74,222,128,.08)',fill:true,tension:.3}
    ]},options:{responsive:true,plugins:{legend:{labels:{color:_lc,font:{size:11}}}},scales:{x:{ticks:{color:_tc,maxTicksLimit:12,maxRotation:45},grid:{color:_gc}},y:{ticks:{color:_tc,callback:v=>'$'+v.toLocaleString()},grid:{color:_gc}}}}}))}
  },100);

  // ── TFSA / FHSA Txn views ──
  document.getElementById('v-tfsa').innerHTML=renderTxnView('TFSA',tT);
  document.getElementById('v-fhsa').innerHTML=renderTxnView('FHSA',fT);
  document.getElementById('v-rrsp').innerHTML=renderRrspView();

  // ── Annual Roll-Forward ──
  let a=`<div class="inline-btns"><button onclick="openSettings()">Update Annual Limits</button><button onclick="exportCSV()">Export All CSV</button></div>`;
  a+=`<h2 class="annual-title annual-title-first">TFSA Annual Roll-Forward</h2>`;
  a+=`<p class="annual-desc">Opening = prior net room + prior addback + current-year limit. Transfers are room-neutral. Only qualifying WD reduce excess.</p>`;
  a+=renderAnnualTable(tfsa.years,'TFSA');
  a+=`<h2 class="annual-title">FHSA Annual Roll-Forward</h2>`;
  a+=`<p class="annual-desc">Carryforward = min($8K, prior YE unused room). Participation room capped by lifetime headroom ($40K).</p>`;
  a+=renderAnnualTable(fhsa.years,'FHSA');
  document.getElementById('v-annual').innerHTML=a;

  // ── Tax View ──
  let tx=`<h2 class="view-title">Monthly Excess Tax Breakdown</h2>`;
  tx+=`<p class="annual-desc">Modeled at 1% of the highest excess in each month. TFSA and FHSA excess returns are generally due by June 30 of the following year.</p>`;
  tx+=`<div class="cards cards-2">${card('TFSA Tax',tTot>0?F(tTot):'None',tfsa.monthlyTax.length+' months',tTot>0)}${card('FHSA Tax',fTot>0?F(fTot):'None',fhsa.monthlyTax.length+' months',fTot>0)}</div>`;
  const allTax=[...tfsa.monthlyTax.map(t=>({...t,plan:'TFSA'})),...fhsa.monthlyTax.map(t=>({...t,plan:'FHSA'}))].sort((a,b)=>a.month.localeCompare(b.month));
  if(allTax.length){
    tx+=`<div class="overflow table-wrap tax-table-wrap"><table class="mobile-stack tax-table"><thead><tr><th>Month</th><th>Plan</th><th class="r">Start</th><th class="r">Peak</th><th class="r">End</th><th class="r">1% Tax</th><th>Form</th></tr></thead><tbody>`;
    allTax.forEach(t=>{tx+=`<tr><td data-label="Month" class="mute">${t.month}</td><td data-label="Plan"><span class="pill ${t.plan==='TFSA'?'pill-tfsa':'pill-fhsa'}">${t.plan}</span></td><td data-label="Start" class="r red">${F(t.start)}</td><td data-label="Peak" class="r red bold">${F(t.peak)}</td><td data-label="End" class="r red">${F(t.end)}</td><td data-label="1% Tax" class="r gold bold">${F(t.tax)}</td><td data-label="Form" class="dim form-dim">${t.plan==='TFSA'?'RC243':'RC728'}</td></tr>`});
    tx+=`</tbody></table></div>`;
  }
  document.getElementById('v-tax').innerHTML=tx;

  // ── Insights View ──
  renderInsights(tfsa,fhsa,cy,tc,fc,tTot,fTot);
}

// ═══════════════════════════════════════════════════
// CONTRIBUTION HEATMAP
// ═══════════════════════════════════════════════════
function setHeatmapMode(value){
  uiPrefs=uiPrefs||clonePrefs();
  uiPrefs.heatmapMode=value||'last12';
  save();
  render();
}
function buildHeatmap(cy){
  const tfsaContribs=tT
    .filter(t=>normalizeFlag(t.treat,'Include')==='Include'&&normalizeTfsaType(t.type)==='Contribution')
    .map(t=>({d:t.d,amt:safeNum(t.amt),plan:'TFSA'}));
  const fhsaContribs=fT
    .filter(t=>normalizeFlag(t.status,'Include')==='Include'&&['Contribution','FHSA Direct Transfer In'].includes(normalizeFhsaType(t.type)))
    .map(t=>({d:t.d,amt:safeNum(t.amt),plan:'FHSA'}));
  const allTxns=[...tfsaContribs,...fhsaContribs].filter(t=>/^\d{4}-\d{2}-\d{2}$/.test(String(t.d||''))&&isRealIsoDate(t.d));
  const today=new Date(); today.setHours(0,0,0,0);
  const availableYears=[...new Set(allTxns.map(t=>Number(String(t.d).slice(0,4))).filter(Number.isFinite))].sort((a,b)=>b-a);
  let mode=(uiPrefs&&uiPrefs.heatmapMode)||'last12';
  if(mode!=='last12' && !availableYears.includes(Number(mode))) mode='last12';

  let start,end,title,note;
  if(mode==='last12'){
    end=new Date(today);
    start=new Date(today); start.setDate(start.getDate()-364);
    title='Contribution Activity (Last 12 Months)';
    note='GitHub-style calendar view of the last 12 months. Weeks start on Monday, months run across the top, weekdays are labeled on the left, and darker cells mean higher contribution activity on that day.';
  }else{
    const year=Number(mode);
    start=new Date(year,0,1); start.setHours(0,0,0,0);
    end=new Date(year,11,31); end.setHours(0,0,0,0);
    if(year===today.getFullYear()) end=new Date(today);
    title=`Contribution Activity (${year})`;
    note=`GitHub-style calendar view for ${year}. Weeks start on Monday, months run across the top, weekdays are labeled on the left, and darker cells mean higher contribution activity on that day.`;
  }

  const startAligned=new Date(start);
  const mondayOffset=(startAligned.getDay()+6)%7;
  startAligned.setDate(startAligned.getDate()-mondayOffset);
  const weekCount=Math.max(1,Math.ceil((((end-startAligned)/86400000)+1)/7));

  const dayMap={};
  allTxns.forEach(t=>{
    const key=String(t.d||'');
    const dt=new Date(key+'T00:00:00');
    if(dt<start||dt>end)return;
    if(!dayMap[key])dayMap[key]={amt:0,plans:new Set()};
    dayMap[key].amt+=safeNum(t.amt);
    dayMap[key].plans.add(t.plan);
  });
  const amounts=Object.values(dayMap).map(v=>safeNum(v.amt)).filter(v=>v>0);
  const maxAmt=Math.max(1,...amounts);

  const monthLabels=[];
  let prevMonth='';
  for(let w=0;w<weekCount;w++){
    const weekStart=new Date(startAligned); weekStart.setDate(startAligned.getDate()+w*7);
    const labelDate=new Date(weekStart); labelDate.setDate(weekStart.getDate()+3);
    if(labelDate<start||labelDate>end) continue;
    const monthKey=labelDate.getFullYear()+'-'+labelDate.getMonth();
    if(monthKey!==prevMonth){
      monthLabels.push({label:labelDate.toLocaleDateString(undefined,{month:'short'}),col:w+2});
      prevMonth=monthKey;
    }
  }

  const options=[`<option value="last12"${mode==='last12'?' selected':''}>Last 12 months</option>`].concat(availableYears.map(y=>`<option value="${y}"${String(y)===String(mode)?' selected':''}>${y}</option>`));

  let h='<div class="heatmap"><div class="section-head heatmap-head"><h3 class="heatmap-title">'+escapeHtml(title)+'</h3><div class="heatmap-controls"><select id="heatmap-mode" class="heatmap-mode-select" onchange="setHeatmapMode(this.value)" title="Switch between the last 12 months and any prior year already in this profile.">'+options.join('')+'</select></div></div><div class="heatmap-shell"><div class="heatmap-frame" style="--heatmap-cols:'+weekCount+'">';
  h+='<div class="heatmap-months"><span class="heatmap-month-spacer"></span>';
  monthLabels.forEach(m=>{h+=`<span class="heatmap-month-label" style="grid-column:${m.col}">${escapeHtml(m.label)}</span>`});
  h+='</div><div class="heatmap-body">';
  const dayLabels=['Mon','Tue','Wed','Thu','Fri','Sat','Sun'];
  h+='<div class="heatmap-days">';
  dayLabels.forEach(lbl=>{h+=`<span class="heatmap-day-label">${escapeHtml(lbl)}</span>`});
  h+='</div><div class="heatmap-columns">';

  for(let w=0;w<weekCount;w++){
    h+='<div class="heatmap-col">';
    for(let dow=0;dow<7;dow++){
      const d=new Date(startAligned); d.setDate(startAligned.getDate()+w*7+dow);
      const inRange=d>=start&&d<=end;
      if(!inRange){ h+='<div class="heatmap-cell empty"></div>'; continue; }
      const key=d.toISOString().split('T')[0];
      const entry=dayMap[key];
      const amt=entry?safeNum(entry.amt):0;
      const intensity=amt>0?Math.max(0.18,Math.min(1,amt/maxAmt)):0;
      const zeroBg=_isDarkTheme?'#12121f':'#e8eaef';
      const bg=amt>0?`rgba(37,99,235,${intensity})`:zeroBg;
      const plans=entry?[...entry.plans].join(' + '):'No contribution activity';
      const weekday=d.toLocaleDateString(undefined,{weekday:'short'});
      const titleText=amt>0?`${weekday} ${key} • ${plans} • ${F(amt)}`:`${weekday} ${key} • No contribution activity`;
      h+=`<div class="heatmap-cell" style="background:${bg}" title="${escapeHtml(titleText)}"></div>`;
    }
    h+='</div>';
  }

  h+='</div></div>';
  h+='<div class="heatmap-legend"><span>Less</span>';
  const legendZero=_isDarkTheme?'#12121f':'#e8eaef';
  [0,.25,.5,.75,1].forEach(v=>{h+=`<div class="heatmap-cell" style="background:${v===0?legendZero:`rgba(37,99,235,${v})`}"></div>`});
  h+='<span>More</span></div>';
  h+='<div class="heatmap-note">'+escapeHtml(note)+'</div>';
  h+='</div></div>';
  return h;
}
// ═══════════════════════════════════════════════════
// INSIGHTS — Charts + What-If + Reconciliation + Analytics
// ═══════════════════════════════════════════════════
function renderInsights(tfsa,fhsa,cy,tc,fc,tTot,fTot){
  const fhsaYearsActive=cy-getFhsaStartYear()+1;
  const fhsa15Left=Math.max(0,15-fhsaYearsActive);
  let h='<h2 class="view-title">Insights & Analytics</h2><div class="dashboard-view-meta" style="margin:-4px 0 18px">'+`<span class="profile-inline-label" title="Active profile">${escapeHtml(getActiveProfileLabel())}</span><span class="status-pill">${escapeHtml(getLastSavedLabel())}</span>`+'</div>';

  h+='<div class="section-head"><h2 class="sec">Overview</h2></div>';
  // Contribution Heatmap (last 12 months)
  h+=buildHeatmap(cy);
  h+='<div class="section-head"><h2 class="sec">Reconciliation</h2></div>';
  h+=buildCraReconciliationPanel(tfsa,fhsa);
  h+=buildCraDrilldownPanel(tfsa,fhsa);
  h+='<div class="section-head"><h2 class="sec">Trends</h2></div>';

  const currentPace=buildCombinedContributionPace(cy);
  const priorPace=buildCombinedContributionPace(cy-1);
  const twoYearPriorPace=buildCombinedContributionPace(cy-2);
  const paceMonthIndex=cy===actualCalendarYear()?new Date().getMonth():11;
  const currentYtd=safeNum(currentPace.cumulative[paceMonthIndex]||0);
  const priorYtd=safeNum(priorPace.cumulative[paceMonthIndex]||0);
  const twoYearPriorYtd=safeNum(twoYearPriorPace.cumulative[paceMonthIndex]||0);
  const paceDelta=currentYtd-priorYtd;
  const pacePct=priorYtd>0?(paceDelta/priorYtd*100):null;
  const monthsLeft=currentMonthSlotsRemaining(cy);
  const combinedRemaining=safeNum(tc.yeRoom)+safeNum(fc.yeRoom);
  const combinedPerMonth=monthsLeft>0?combinedRemaining/monthsLeft:combinedRemaining;

  h+='<div class="g2"><div class="chrt"><h3 class="chrt-title">Year-over-Year Contribution Pace</h3><canvas id="c-yoy"></canvas></div>';
  h+='<div class="panel pacing-panel"><h3 class="panel-title">Pacing Snapshot</h3>';
  h+=`<p class="pacing-stat"><b>${cy} YTD counted inflows:</b> ${F(currentYtd)}</p>`;
  h+=`<p class="pacing-stat"><b>${cy-1} same-month pace:</b> ${F(priorYtd)}</p>`;
  h+=`<p class="pacing-stat"><b>${cy-2} same-month pace:</b> ${F(twoYearPriorYtd)}</p>`;
  h+=`<p class="pacing-stat"><b>Delta:</b> <span class="${paceDelta>=0?'good':'caution'}">${formatDeltaMoney(paceDelta)}${pacePct!==null?` (${pacePct>=0?'+':''}${pacePct.toFixed(1)}%)`:''}</span></p>`;
  h+=`<p class="pacing-stat"><b>Remaining room this year:</b> ${F(combinedRemaining)} across TFSA + FHSA</p>`;
  h+=`<p class="pacing-stat"><b>Required combined monthly pace:</b> ${F(combinedPerMonth)} for the remaining ${monthsLeft} month(s)</p>`;
  h+=`<p class="panel-sub">Combined pace uses TFSA contributions plus FHSA counted inflows that affect room. RRSP is tracked separately here because its filing windows and deduction logic behave differently.</p></div></div>`;

  // Charts row 1: Velocity + Institution Breakdown
  h+='<div class="g2"><div class="chrt"><h3 class="chrt-title">Annual Contribution Velocity</h3><canvas id="c4"></canvas></div>';
  h+='<div class="chrt"><h3 class="chrt-title">Contributions by Institution</h3><canvas id="c-inst"></canvas></div></div>';

  // Charts row 2: Cumulative Timeline + Excess History
  h+='<div class="g2"><div class="chrt"><h3 class="chrt-title">Cumulative Contributions Over Time</h3><canvas id="c-cum"></canvas></div>';
  h+='<div class="chrt"><h3 class="chrt-title">Monthly Excess & Tax History</h3><canvas id="c6"></canvas></div></div>';

  // Charts row 3: Room Utilization + FHSA Trajectory
  h+='<div class="g2"><div class="chrt"><h3 class="chrt-title">TFSA Room Utilization by Year</h3><canvas id="c7"></canvas></div>';
  h+='<div class="chrt"><h3 class="chrt-title">FHSA Lifetime Trajectory</h3><canvas id="c5"></canvas></div></div>';

  // Summary cards
  let grossInflows=0, tfsaNet=0, fhsaNet=0;
  for(let yy=getTfsaStartYear();yy<=cy;yy++){
    if(tfsa.years[yy]){
      grossInflows+=safeNum(tfsa.years[yy].contribs);
      tfsaNet+=safeNum(tfsa.years[yy].contribs)-safeNum(tfsa.years[yy].withdrawals);
    }
    if(fhsa.years[yy]){
      grossInflows+=safeNum(fhsa.years[yy].countedInflows);
      fhsaNet+=safeNum(fhsa.years[yy].countedInflows)-safeNum(fhsa.years[yy].taxableWithdrawals)-safeNum(fhsa.years[yy].designatedAmounts);
    }
  }
  let rrspCum=0;
  getRrspYearsSorted().forEach(r=>{
    rrspCum+=safeNum(r.totalContributionsForReturn);
  });
  const registeredNet=tfsaNet+fhsaNet;
  const trackedAcrossAccounts=registeredNet+rrspCum;
  const fhsaPct=((safeNum(fc.lifetimeUsed)/(safeNum(trackerConfig.fhsaLifetimeLimit)||40000))*100).toFixed(1);
  const tUtil=safeNum(tc.openRoom)>0?((safeNum(tc.contribs)/safeNum(tc.openRoom))*100).toFixed(1):'100';
  h+='<div class="cards cards-4 insight-cards-minimal">';
  h+=card('TFSA Net Deposits',F(tfsaNet),'Contributions minus withdrawals across all years',false,{accent:'blue'});
  h+=card('FHSA Net Deposits',F(fhsaNet),'Counted inflows minus FHSA withdrawals across all years',false,{accent:'gold'});
  h+=card('RRSP Cumulative Contributions',F(rrspCum),'CRA / filing-year contribution totals kept separate from RRSP room and deduction logic',false,{accent:'purple'});
  h+=card('Tracked Across Accounts',F(trackedAcrossAccounts),'TFSA/FHSA net deposits plus RRSP cumulative filed contributions',false,{accent:'green'});
  h+='</div>';

  h+='<div class="section-head"><h2 class="sec">Tools</h2></div>';
  // Contribution Planner
  const tPM=monthsLeft>0?safeNum(tc.yeRoom)/monthsLeft:0;
  const fPM=monthsLeft>0?safeNum(fc.yeRoom)/monthsLeft:0;
  h+='<div class="panel">';
  h+='<h3 class="panel-title">'+cy+' Contribution Planner</h3>';
  h+='<p class="panel-text">• <b>TFSA:</b> '+F(tc.yeRoom)+' remaining → <b>'+F(tPM)+'/month</b> for '+monthsLeft+' month(s) to max out.</p>';
  h+='<p class="panel-text">• <b>FHSA:</b> '+F(fc.yeRoom)+' remaining → <b>'+F(fPM)+'/month</b> for '+monthsLeft+' month(s) to max out.</p>';
  h+='<p class="panel-text">• <b>Combined:</b> '+F(tPM+fPM)+'/month to fully utilize both.</p>';
  const yrsToExhaust=Math.ceil(safeNum(fc.lifetimeLeft)/8000);
  h+='<p class="panel-sub">At $8K/year, FHSA lifetime cap exhausted around '+(cy+yrsToExhaust)+'. FHSA participation year '+fhsaYearsActive+' of 15'+(fhsa15Left<=3?' — <b class="gold">closing soon</b>':'')+'.</p>';
  h+='</div>';

  // What-If Simulator
  h+=`<div class="tool-panel blue"><h3>📊 What-If Contribution Simulator</h3>
    <div class="tool-row">
      <div><label class="t-label" for="wi-plan">Plan</label><select id="wi-plan" class="t-input"><option value="TFSA">TFSA</option><option value="FHSA">FHSA</option></select></div>
      <div><label class="t-label" for="wi-amount">Amount ($)</label><input type="number" step="0.01" min="0.01" id="wi-amount" class="t-input" placeholder="1000"></div>
      <div><label class="t-label" for="wi-date">Date</label><input type="date" id="wi-date" class="t-input" value="${new Date().toISOString().split('T')[0]}"></div>
      <div class="tool-action"><button class="add-btn" onclick="runWhatIf()">Simulate</button></div>
    </div>
    <div id="wi-result" class="tool-result"><p class="dim">Enter an amount and click Simulate to see the impact before committing.</p></div>
  </div>`;

  // CRA Reconciliation Helper
  const tfsaSnapshot=uiPrefs.craSnapshots&&uiPrefs.craSnapshots.tfsa&&+uiPrefs.craSnapshots.tfsa.year===cy?uiPrefs.craSnapshots.tfsa:null;
  const fhsaSnapshot=uiPrefs.craSnapshots&&uiPrefs.craSnapshots.fhsa&&+uiPrefs.craSnapshots.fhsa.year===cy?uiPrefs.craSnapshots.fhsa:null;
  h+=`<div class="tool-panel purple"><h3>🔍 CRA Room Reconciliation</h3>
    <p class="desc" id="recon-desc">Enter your CRA-stated TFSA room (from My Account or your latest Notice of Assessment) to check against this tracker's computed opening room for ${cy}.${tfsaSnapshot?` Imported CRA snapshot detected for ${cy}: <b>${F(tfsaSnapshot.amount)}</b>.`:''}</p>
    <div class="tool-row">
      <div><label class="t-label" for="recon-plan">Plan</label><select id="recon-plan" class="t-input" onchange="syncReconciliationTool(true)"><option value="TFSA">TFSA</option><option value="FHSA">FHSA</option></select></div>
      <div><label class="t-label" id="recon-room-label" for="recon-cra-room">CRA Stated Room ($)</label><input type="number" step="0.01" id="recon-cra-room" class="t-input" placeholder="e.g. 7000" value="${tfsaSnapshot?safeNum(tfsaSnapshot.amount):''}"></div>
      <div class="tool-action"><button class="add-btn" onclick="runReconciliation()">Compare</button></div>
    </div>
    <div class="panel-sub" style="margin-top:-4px">${fhsaSnapshot?`Saved FHSA snapshot for ${cy}: <b>${F(fhsaSnapshot.amount)}</b>. `:''}Switch the plan selector to compare TFSA opening room or FHSA participation room.</div>
    <div id="recon-result"></div>
  </div>`;

  // Tax Filing Checklist
  const hasExcess=tTot>0||fTot>0;
  h+=`<div class="panel mt-lg"><h3 class="panel-title">📋 Tax Filing Checklist — ${cy}</h3><ul class="checklist">`;
  h+=`<li><span class="check">☐</span> Verify TFSA room against CRA My Account (use Reconciliation tool above)</li>`;
  h+=`<li><span class="check">☐</span> Confirm all institution transactions are imported and categorized</li>`;
  if(hasExcess){
    h+=`<li><span class="check">☐</span> <b class="gold">Excess detected:</b> ${tTot>0?'TFSA RC243 ':''}${fTot>0?'FHSA RC728 ':''}— file by June 30 of following year</li>`;
    h+=`<li><span class="check">☐</span> Calculate if any excess qualifies for CRA waiver (reasonable error + prompt correction)</li>`;
  } else {
    h+=`<li><span class="check">✓</span> <span class="green">No excess tax exposure detected</span></li>`;
  }
  h+=`<li><span class="check">☐</span> Export JSON backup for your records</li>`;
  h+=`<li><span class="check">☐</span> Consult a tax professional if any amounts are uncertain</li>`;
  h+=`</ul></div>`;

  // Account Reconciliation
  const accts={};
  tT.forEach(t=>{const k=(t.inst||'Unknown')+' • '+(t.acct||'—');if(!accts[k])accts[k]={c:0,w:0,p:'TFSA'};const tp=normalizeTfsaType(t.type);if(tp==='Contribution')accts[k].c+=safeNum(t.amt);else if(tp==='Withdrawal')accts[k].w+=safeNum(t.amt)});
  fT.forEach(t=>{const k=(t.inst||'Unknown')+' • '+(t.acct||'—');if(!accts[k])accts[k]={c:0,w:0,p:'FHSA'};const meta=fhsaTypeMeta(normalizeFhsaType(t.type));if(meta.bucket==='counted_inflow')accts[k].c+=safeNum(t.amt);else if(meta.bucket!=='excluded_transfer')accts[k].w+=safeNum(t.amt)});
  rT.forEach(t=>{const k=(t.inst||'Unknown')+' • '+(t.acct||'—');if(!accts[k])accts[k]={c:0,w:0,p:'RRSP'};const type=normalizeRrspType(t.type);if(type==='Contribution'||type==='First 60 Contribution')accts[k].c+=safeNum(t.amt);else if(type==='Withdrawal'||type==='Institutional Transfer Out')accts[k].w+=safeNum(t.amt);});
  h+='<div class="panel mt-lg"><h3 class="panel-title">Account Reconciliation</h3><div class="overflow"><table class="mobile-stack"><thead><tr><th>Account</th><th>Plan</th><th class="r">Inflows</th><th class="r">Outflows</th><th class="r">Net</th></tr></thead><tbody>';
  Object.keys(accts).sort((a,b)=>(accts[b].c-accts[b].w)-(accts[a].c-accts[a].w)).forEach(k=>{const v=accts[k];const pill=v.p==='TFSA'?'pill-tfsa':v.p==='FHSA'?'pill-fhsa':'pill-rrsp';h+='<tr><td data-label="Account" class="mute truncate" title="'+escAttr(k)+'">'+k+'</td><td data-label="Plan"><span class="pill '+pill+'">'+v.p+'</span></td><td data-label="Inflows" class="r green">'+F(v.c)+'</td><td data-label="Outflows" class="r red">'+F(v.w)+'</td><td data-label="Net" class="r '+(v.c-v.w>=0?'blue':'red')+'">'+F(v.c-v.w)+'</td></tr>'});
  h+='</tbody></table></div></div>';


  const health=computeDataHealth(tfsa,fhsa);
  const deadline=computeFhsaDeadlineInfo(fhsa,cy);
  h+='<div class="section-head"><h2 class="sec">Reference & Data Health</h2></div>';
  h+=buildExplainabilityPanel(tfsa,fhsa,cy);
  h+=buildCraSnapshotPanel(cy);
  h+=buildDataHealthPanel(health,deadline);
  document.getElementById('v-insights').innerHTML=h;
  syncReconciliationTool();

  // Render insight charts
  setTimeout(()=>{
    const _light=!_isDarkTheme;
    const _gc=_light?'#e4e6ec':'#1a1a2e';
    const _tc=_light?'#889':'#667';
    const _lc=_light?'#334':'#889';
    const _rb=_light?'#e4e6ec':'#1a1a3a';
    const yrs=Object.keys(tfsa.years).filter(y=>+y>=getTfsaStartYear()&&+y<=cy).sort();

    const paceMonths=['Jan','Feb','Mar','Apr','May','Jun','Jul','Aug','Sep','Oct','Nov','Dec'];
    const yoyCurrent=buildCombinedContributionPace(cy);
    const yoyPrior=buildCombinedContributionPace(cy-1);
    const yoyTwoPrior=buildCombinedContributionPace(cy-2);
    const nowMonthIdx=cy===actualCalendarYear()?new Date().getMonth():-1;
    const nowPointRadius=paceMonths.map((_,i)=>i===nowMonthIdx?7:3);
    const nowPointBg=paceMonths.map((_,i)=>i===nowMonthIdx?'#fbbf24':'#2563eb');
    const ctxYoy=document.getElementById('c-yoy');
    if(ctxYoy&&window._charts){
      const yoyDatasets=[
        {label:String(cy),data:yoyCurrent.cumulative,borderColor:'#2563eb',backgroundColor:'rgba(37,99,235,.08)',fill:true,tension:.3,pointRadius:nowPointRadius,pointBackgroundColor:nowPointBg,pointBorderColor:nowPointBg},
        {label:String(cy-1),data:yoyPrior.cumulative,borderColor:'#a78bfa',backgroundColor:'rgba(167,139,250,.06)',fill:false,tension:.3,pointRadius:2}
      ];
      if(yoyTwoPrior.total>0)yoyDatasets.push({label:String(cy-2),data:yoyTwoPrior.cumulative,borderColor:'#556',backgroundColor:'transparent',fill:false,tension:.3,borderDash:[4,4],pointRadius:0});
      window._charts.push(new Chart(ctxYoy,{type:'line',data:{labels:paceMonths,datasets:yoyDatasets},options:{responsive:true,plugins:{legend:{labels:{color:_lc}},tooltip:{callbacks:{afterLabel:function(ctx){return ctx.datasetIndex===0&&ctx.dataIndex===nowMonthIdx?'◀ current month':''}}}},scales:{x:{ticks:{color:_tc},grid:{color:_gc}},y:{ticks:{color:_tc,callback:v=>'$'+v.toLocaleString()},grid:{color:_gc}}}}}));
    }

    // Velocity chart
    const ctx4=document.getElementById('c4');
    if(ctx4&&window._charts){window._charts.push(new Chart(ctx4,{type:'bar',data:{labels:yrs,datasets:[
      {label:'TFSA',data:yrs.map(y=>safeNum(tfsa.years[y].contribs)),backgroundColor:'#2563eb'},
      {label:'FHSA',data:yrs.map(y=>fhsa.years[y]?safeNum(fhsa.years[y].countedInflows):0),backgroundColor:'#4ade80'}
    ]},options:{responsive:true,plugins:{legend:{labels:{color:_lc}}},scales:{x:{ticks:{color:_tc},grid:{color:_gc}},y:{ticks:{color:_tc,callback:v=>'$'+v.toLocaleString()},grid:{color:_gc}}}}}))}

    // Institution Breakdown (donut)
    const ctxInst=document.getElementById('c-inst');
    if(ctxInst&&window._charts){
      const instTotals={};
      ([{plan:'tfsa',rows:tT},{plan:'fhsa',rows:fT}]).forEach(group=>{group.rows.forEach(t=>{const inst=t.inst||'Unknown';const tp=group.plan==='tfsa'?normalizeTfsaType(t.type):normalizeFhsaType(t.type);if(tp==='Contribution'||tp==='RRSP Transfer In')instTotals[inst]=(instTotals[inst]||0)+safeNum(t.amt);});});
      const sorted=Object.entries(instTotals).sort((a,b)=>b[1]-a[1]);
      const instLabels=sorted.map(([k])=>k);
      const instData=sorted.map(([,v])=>v);
      const instColors=['#2563eb','#4ade80','#fbbf24','#a78bfa','#f87171','#7dd3fc','#fb923c','#e879f9'];
      window._charts.push(new Chart(ctxInst,{type:'doughnut',data:{labels:instLabels,datasets:[{data:instData,backgroundColor:instColors.slice(0,instLabels.length),borderWidth:0}]},options:{responsive:true,cutout:'65%',plugins:{legend:{position:'bottom',labels:{color:_lc,font:{size:11},padding:12}}}}}));
    }

    // Cumulative Contributions Timeline
    const ctxCum=document.getElementById('c-cum');
    if(ctxCum&&window._charts){
      let cumT=0,cumF=0;
      const cumLabels=[],cumTfsa=[],cumFhsa=[];
      yrs.forEach(y=>{
        cumT+=safeNum(tfsa.years[y]?.contribs);
        cumF+=fhsa.years[y]?safeNum(fhsa.years[y]?.countedInflows):0;
        cumLabels.push(y);cumTfsa.push(cumT);cumFhsa.push(cumF);
      });
      window._charts.push(new Chart(ctxCum,{type:'line',data:{labels:cumLabels,datasets:[
        {label:'TFSA Cumulative',data:cumTfsa,borderColor:'#2563eb',backgroundColor:'rgba(37,99,235,.08)',fill:true,tension:.3},
        {label:'FHSA Cumulative',data:cumFhsa,borderColor:'#4ade80',backgroundColor:'rgba(74,222,128,.08)',fill:true,tension:.3}
      ]},options:{responsive:true,plugins:{legend:{labels:{color:_lc}}},scales:{x:{ticks:{color:_tc},grid:{color:_gc}},y:{ticks:{color:_tc,callback:v=>'$'+v.toLocaleString()},grid:{color:_gc}}}}}));
    }

    // Excess History chart
    const ctx6=document.getElementById('c6');
    if(ctx6&&window._charts){
      const allMonths=[...tfsa.monthlyTax.map(t=>({...t,plan:'TFSA'})),...fhsa.monthlyTax.map(t=>({...t,plan:'FHSA'}))].sort((a,b)=>a.month.localeCompare(b.month));
      const labels=[...new Set(allMonths.map(t=>t.month))].sort();
      const tfsaPeaks=labels.map(m=>{const f=allMonths.find(t=>t.month===m&&t.plan==='TFSA');return f?f.peak:0});
      const fhsaPeaks=labels.map(m=>{const f=allMonths.find(t=>t.month===m&&t.plan==='FHSA');return f?f.peak:0});
      window._charts.push(new Chart(ctx6,{type:'bar',data:{labels,datasets:[
        {label:'TFSA Peak Excess',data:tfsaPeaks,backgroundColor:'rgba(37,99,235,.6)'},
        {label:'FHSA Peak Excess',data:fhsaPeaks,backgroundColor:'rgba(74,222,128,.6)'}
      ]},options:{responsive:true,plugins:{legend:{labels:{color:_lc}}},scales:{x:{ticks:{color:_tc,maxRotation:45},grid:{color:_gc}},y:{ticks:{color:_tc,callback:v=>'$'+v.toLocaleString()},grid:{color:_gc}}}}}));
    }

    // Room Utilization chart
    const ctx7=document.getElementById('c7');
    if(ctx7&&window._charts){
      const utilData=yrs.map(y=>{const yr=tfsa.years[y];const openRoom=safeNum(yr.openRoom);return openRoom>0?Math.min(100,(safeNum(yr.contribs)/openRoom*100)):0});
      window._charts.push(new Chart(ctx7,{type:'bar',data:{labels:yrs,datasets:[
        {label:'% Room Used',data:utilData,backgroundColor:utilData.map(v=>v>100?'#dc2626':v>80?'#fbbf24':'#2563eb')}
      ]},options:{responsive:true,plugins:{legend:{labels:{color:_lc}}},scales:{x:{ticks:{color:_tc},grid:{color:_gc}},y:{max:120,ticks:{color:_tc,callback:v=>v+'%'},grid:{color:_gc}}}}}))}

    // FHSA Trajectory chart
    const ctx5=document.getElementById('c5');
    if(ctx5&&window._charts){
      const fhsaYrs=Object.keys(fhsa.years).filter(y=>+y>=getFhsaStartYear()&&+y<=cy+5).sort();
      const usedData=fhsaYrs.map(y=>safeNum(fhsa.years[y].lifetimeUsed));
      const capLine=fhsaYrs.map(()=>safeNum(trackerConfig.fhsaLifetimeLimit));
      window._charts.push(new Chart(ctx5,{type:'line',data:{labels:fhsaYrs,datasets:[
        {label:'Lifetime Used',data:usedData,borderColor:'#4ade80',backgroundColor:'rgba(74,222,128,.1)',fill:true,tension:.3},
        {label:'Lifetime Cap',data:capLine,borderColor:'#dc2626',borderDash:[5,5],pointRadius:0,fill:false}
      ]},options:{responsive:true,plugins:{legend:{labels:{color:_lc}}},scales:{x:{ticks:{color:_tc},grid:{color:_gc}},y:{ticks:{color:_tc,callback:v=>'$'+v.toLocaleString()},grid:{color:_gc}}}}}));
    }
  },200);
}

// ═══════════════════════════════════════════════════
// TRANSACTION TABLE RENDERING
// ═══════════════════════════════════════════════════
function renderTxnTable(plan,rows,pg,total){
  const pp=30, tp=Math.ceil(total/pp);
  let h=`<table class="mobile-stack"><thead><tr><th>Date</th><th>Institution</th><th>Account</th><th>Type</th><th class="r">Amount</th><th>${plan==='TFSA'?'Treatment':'Status'}</th><th class="actions-cell"></th></tr></thead><tbody>`;
  rows.forEach((t,i)=>{
    const idx=pg*pp+i;
    const flag=plan==='TFSA'?(t.treat||'Include'):(t.status||'Include');
    const meta=plan==='TFSA'?tfsaTypeMeta(normalizeTfsaType(t.type)):fhsaTypeMeta(normalizeFhsaType(t.type));
    const selected=selectedTxnRow[plan]===idx;
    h+=`<tr class="txn-table-row ${selected?'txn-row-selected':''}" data-plan="${plan}" data-idx="${idx}" tabindex="0" onclick="setSelectedTxnRow('${plan}',${idx},true)"><td data-label="Date" class="mute">${t.d}</td><td data-label="Institution" class="mute truncate" title="${escAttr(t.inst||'—')}">${t.inst||'—'}</td><td data-label="Account" class="mute truncate" title="${escAttr(t.acct||'—')}">${t.acct||'—'}</td><td data-label="Type"><span class="pill ${meta.pill}">${meta.label||t.type}</span></td><td data-label="Amount" class="r ${meta.amountClass} bold">${F(t.amt)}</td><td data-label="${plan==='TFSA'?'Treatment':'Status'}" class="dim">${flag}</td><td data-label="Actions" class="actions-cell"><button class="del-btn" title="Edit" onclick="event.stopPropagation();editTxn('${plan}',${idx})" aria-label="Edit transaction">✎</button><button class="del-btn" title="Delete" onclick="event.stopPropagation();delTxn('${plan}',${idx})" aria-label="Delete transaction">×</button></td></tr>`;
  });
  h+=`</tbody></table>`;
  if(tp>1){h+=`<div class="pg"><button onclick="pageTxn('${plan}',-1)" ${pg===0?'disabled':''}>Prev</button><span>${pg+1}/${tp}</span><button onclick="pageTxn('${plan}',1)" ${pg>=tp-1?'disabled':''}>Next</button></div>`}
  return h;
}
function renderTxnView(plan,txns){
  const sorted=[...txns].sort(sortTxnsDesc);
  const yrs=[...new Set(sorted.map(t=>String(t.d||'').slice(0,4)).filter(Boolean))].sort().reverse();
  const selectedYear=txnFilters[plan]||'all';
  const adv=getTxnFilterState(plan);
  const filtered=getTxnFilteredRows(plan);
  if(!filtered.length)selectedTxnRow[plan]=-1;
  else if(!Number.isFinite(selectedTxnRow[plan])||selectedTxnRow[plan]<0)selectedTxnRow[plan]=0;
  else if(selectedTxnRow[plan]>filtered.length-1)selectedTxnRow[plan]=filtered.length-1;
  const totalPages=Math.max(1,Math.ceil(filtered.length/30));
  let pg=txnFilters[plan.toLowerCase()+'Pg']||0;
  if(pg>totalPages-1){pg=0;txnFilters[plan.toLowerCase()+'Pg']=0;}
  let h=`<div class="section-head view-header"><h2 class="view-title">${plan} Transactions</h2><div class="inline-btns">`;
  h+=`<button class="add-btn" onclick="openModal('${plan}')">+ Add</button>`;
  h+=`<button onclick="exportCSV('${plan}')">Export ${plan} CSV</button>`;
  h+=`<button onclick="downloadCSVTemplate('${plan}')">${plan} Template</button>`;
  h+=`</div></div>`;
  h+=`<div class="search-wrap"><input id="${plan.toLowerCase()}-filter-search" class="search-input" type="text" placeholder="Search by institution, account, date, type, amount, or note…" value="${escAttr(txnSearch[plan])}" oninput="searchTxns('${plan}',this.value)"></div>`;
  h+=`<div class="filter-grid">
    <div class="filter-field"><label for="${plan.toLowerCase()}-filter-from">Date from</label><input id="${plan.toLowerCase()}-filter-from" class="filter-input" type="date" value="${escAttr(adv.from||'')}" oninput="setTxnFilter('${plan}','from',this.value)"></div>
    <div class="filter-field"><label for="${plan.toLowerCase()}-filter-to">Date to</label><input id="${plan.toLowerCase()}-filter-to" class="filter-input" type="date" value="${escAttr(adv.to||'')}" oninput="setTxnFilter('${plan}','to',this.value)"></div>
    <div class="filter-field"><label for="${plan.toLowerCase()}-filter-min">Min amount</label><input id="${plan.toLowerCase()}-filter-min" class="filter-input" type="number" step="0.01" min="0" value="${escAttr(adv.min||'')}" oninput="setTxnFilter('${plan}','min',this.value)" placeholder="0.00"></div>
    <div class="filter-field"><label for="${plan.toLowerCase()}-filter-max">Max amount</label><input id="${plan.toLowerCase()}-filter-max" class="filter-input" type="number" step="0.01" min="0" value="${escAttr(adv.max||'')}" oninput="setTxnFilter('${plan}','max',this.value)" placeholder="0.00"></div>
    <div class="filter-field"><label>Visible rows</label><div class="filter-meta">Showing <b>${filtered.length}</b> of <b>${txns.length}</b> row(s)</div></div>
    <div class="filter-actions"><button class="filter-clear-btn" type="button" onclick="clearTxnFilters('${plan}')">Clear filters</button></div>
  </div>`;
  h+=`<div class="yr-btns"><button class="yr-btn ${selectedYear==='all'?'active':''}" onclick="filterYear('${plan}','all',this)">All (${txns.length})</button>`;
  yrs.forEach(y=>{h+=`<button class="yr-btn ${selectedYear===y?'active':''}" onclick="filterYear('${plan}','${y}',this)">${y}</button>`});
  h+=`</div>`;
  if(plan==='FHSA'){
    h+=`<div class="note-inline">Types: Contribution, RRSP Transfer In, Taxable Withdrawal, Designated Withdrawal, Designated Transfer Out, FHSA Direct Transfer In/Out, Qualifying Withdrawal.</div>`;
  } else {
    h+=`<div class="note-inline">Types: Contribution, Withdrawal, Transfer In (room-neutral), Transfer Out (room-neutral). Use transfers for institution-to-institution moves.</div>`;
  }
  h+=`<div class="overflow trx-table-wrap" id="tbl-${plan.toLowerCase()}">${renderTxnTable(plan,filtered.slice(pg*30,(pg+1)*30),pg,filtered.length)}</div>`;
  return h;
}
function filterYear(plan,yr,btn){txnFilters[plan]=yr;txnFilters[plan.toLowerCase()+'Pg']=0;btn.parentElement.querySelectorAll('.yr-btn').forEach(b=>b.classList.remove('active'));btn.classList.add('active');renderFilteredTxns(plan)}
function searchTxns(plan,q){txnSearch[plan]=q;txnFilters[plan.toLowerCase()+'Pg']=0;renderFilteredTxns(plan)}
function renderFilteredTxns(plan){
  const filtered=getTxnFilteredRows(plan);
  if(!filtered.length)selectedTxnRow[plan]=-1;
  else if(!Number.isFinite(selectedTxnRow[plan])||selectedTxnRow[plan]<0)selectedTxnRow[plan]=0;
  else if(selectedTxnRow[plan]>filtered.length-1)selectedTxnRow[plan]=filtered.length-1;
  const totalPages=Math.max(1,Math.ceil(filtered.length/30));
  let pg=txnFilters[plan.toLowerCase()+'Pg']||0;
  if(pg>totalPages-1){pg=0;txnFilters[plan.toLowerCase()+'Pg']=0;}
  const host=document.getElementById('tbl-'+plan.toLowerCase());
  if(host)host.innerHTML=renderTxnTable(plan,filtered.slice(pg*30,(pg+1)*30),pg,filtered.length);
  const metaHost=document.querySelector(`#v-${plan.toLowerCase()} .filter-meta`);
  if(metaHost)metaHost.innerHTML=`Showing <b>${filtered.length}</b> of <b>${(plan==='TFSA'?tT.length:fT.length)}</b> row(s)`;
}
function setSelectedTxnRow(plan,idx,focusRow){
  const filtered=getTxnFilteredRows(plan);
  if(!filtered.length){selectedTxnRow[plan]=-1;renderFilteredTxns(plan);return;}
  const next=Math.max(0,Math.min(filtered.length-1,idx));
  selectedTxnRow[plan]=next;
  const targetPage=Math.floor(next/30);
  if((txnFilters[plan.toLowerCase()+'Pg']||0)!==targetPage)txnFilters[plan.toLowerCase()+'Pg']=targetPage;
  renderFilteredTxns(plan);
  if(focusRow){
    requestAnimationFrame(()=>{
      const row=document.querySelector(`#tbl-${plan.toLowerCase()} tr[data-plan="${plan}"][data-idx="${next}"]`);
      if(row)row.focus();
    });
  }
}
function moveSelectedTxnRow(plan,delta){
  const filtered=getTxnFilteredRows(plan);
  if(!filtered.length)return;
  const cur=Number.isFinite(selectedTxnRow[plan])&&selectedTxnRow[plan]>=0?selectedTxnRow[plan]:0;
  setSelectedTxnRow(plan,cur+delta,true);
}
function editSelectedTxnRow(plan){
  const filtered=getTxnFilteredRows(plan);
  if(!filtered.length)return;
  const idx=Number.isFinite(selectedTxnRow[plan])&&selectedTxnRow[plan]>=0?selectedTxnRow[plan]:0;
  editTxn(plan,idx);
}
function deleteSelectedTxnRow(plan){
  const filtered=getTxnFilteredRows(plan);
  if(!filtered.length)return;
  const idx=Number.isFinite(selectedTxnRow[plan])&&selectedTxnRow[plan]>=0?selectedTxnRow[plan]:0;
  delTxn(plan,idx);
}
function pageTxn(plan,dir){txnFilters[plan.toLowerCase()+'Pg']=Math.max(0,(txnFilters[plan.toLowerCase()+'Pg']||0)+dir);renderFilteredTxns(plan)}

// ═══════════════════════════════════════════════════
// ANNUAL TABLE RENDERING
// ═══════════════════════════════════════════════════
function renderAnnualTable(data,type){
  const start=type==='TFSA'?getTfsaStartYear():getFhsaStartYear();
  const end=getProjectionEndYear();
  const rows=Object.entries(data).filter(([y])=>+y>=start&&+y<=end).sort((a,b)=>+a[0]-+b[0]);
  let h=`<div class="overflow"><table class="mobile-stack"><thead><tr>`;
  if(type==='TFSA'){
    h+=`<th>Year</th><th class="r">Limit</th><th class="r">Contribs</th><th class="r">W/D</th><th class="r">Qual WD</th><th class="r">Addback</th><th class="r">Transfers</th><th class="r">Open</th><th class="r">YE Room</th><th class="r">YE Excess</th><th class="r">Tax</th>`;
  } else {
    h+=`<th>Year</th><th class="r">Part. Room</th><th class="r">Carry</th><th class="r">Counted In</th><th class="r">Taxable WD</th><th class="r">Designated</th><th class="r">YE Room</th><th class="r">YE Excess</th><th class="r">Life Left</th><th class="r">Tax</th>`;
  }
  h+=`</tr></thead><tbody>`;
  rows.forEach(([y,yr])=>{
    const ex=safeNum(yr.yeExcess)>0.005;
    h+=`<tr${ex?' class="excess"':''}><td data-label="Year" class="bright bold">${y}</td>`;
    if(type==='TFSA'){
      const ti=safeNum(yr.transferIn), to=safeNum(yr.transferOut);
      const tfStr=ti>0||to>0?`In ${F(ti)} / Out ${F(to)}`:'—';
      h+=`<td data-label="Limit" class="r dim">${F(yr.limit)}</td><td data-label="Contribs" class="r ${yr.contribs>0?'green':'dim'}">${F(yr.contribs)}</td><td data-label="W/D" class="r ${yr.withdrawals>0?'red':'dim'}">${F(yr.withdrawals)}</td><td data-label="Qual WD" class="r ${yr.qualifyingWD>0.005?'gold':'dim'}">${yr.qualifyingWD>0.005?F(yr.qualifyingWD):'—'}</td><td data-label="Addback" class="r ${yr.addbackWD>0?'blue':'dim'}">${F(yr.addbackWD)}</td><td data-label="Transfers" class="r ${ti+to>0?'purple':'dim'}">${tfStr}</td><td data-label="Open" class="r mute">${F(yr.openRoom)}</td><td data-label="YE Room" class="r blue">${F(yr.yeRoom)}</td><td data-label="YE Excess" class="r ${ex?'red':'dim'}">${ex?F(yr.yeExcess):'—'}</td><td data-label="Tax" class="r ${yr.tax>0?'gold':'dim'}">${yr.tax>0?F(yr.tax):'—'}</td>`;
    } else {
      h+=`<td data-label="Part. Room" class="r mute">${F(yr.participationRoom)}</td><td data-label="Carry" class="r ${yr.carryforward>0?'blue':'dim'}">${F(yr.carryforward)}</td><td data-label="Counted In" class="r ${yr.countedInflows>0?'green':'dim'}">${F(yr.countedInflows)}</td><td data-label="Taxable WD" class="r ${yr.taxableWithdrawals>0?'red':'dim'}">${yr.taxableWithdrawals>0?F(yr.taxableWithdrawals):'—'}</td><td data-label="Designated" class="r ${yr.designatedAmounts>0?'gold':'dim'}">${yr.designatedAmounts>0?F(yr.designatedAmounts):'—'}</td><td data-label="YE Room" class="r blue">${F(yr.yeRoom)}</td><td data-label="YE Excess" class="r ${ex?'red':'dim'}">${ex?F(yr.yeExcess):'—'}</td><td data-label="Life Left" class="r mute">${F(yr.lifetimeLeft)}</td><td data-label="Tax" class="r ${yr.tax>0?'gold':'dim'}">${yr.tax>0?F(yr.tax):'—'}</td>`;
    }
    h+=`</tr>`;
  });
  if(rows.length){
    const firstYr=rows[0][1], lastYr=rows[rows.length-1][1];
    if(type==='TFSA'){
      const totals=rows.reduce((acc,[,yr])=>{
        acc.limit+=safeNum(yr.limit); acc.contribs+=safeNum(yr.contribs); acc.withdrawals+=safeNum(yr.withdrawals);
        acc.qualifyingWD+=safeNum(yr.qualifyingWD); acc.addbackWD+=safeNum(yr.addbackWD);
        acc.transferIn+=safeNum(yr.transferIn); acc.transferOut+=safeNum(yr.transferOut); acc.tax+=safeNum(yr.tax);
        return acc;
      },{limit:0,contribs:0,withdrawals:0,qualifyingWD:0,addbackWD:0,transferIn:0,transferOut:0,tax:0});
      const tfSummary=totals.transferIn>0||totals.transferOut>0?`In ${F(totals.transferIn)} / Out ${F(totals.transferOut)}`:'—';
      const endEx=safeNum(lastYr.yeExcess)>0.005;
      h+=`<tr class="summary-row"><td data-label="Year" class="bright bold">All Years</td><td data-label="Limit" class="r dim">${F(totals.limit)}</td><td data-label="Contribs" class="r green">${F(totals.contribs)}</td><td data-label="W/D" class="r red">${F(totals.withdrawals)}</td><td data-label="Qual WD" class="r ${totals.qualifyingWD>0.005?'gold':'dim'}">${totals.qualifyingWD>0.005?F(totals.qualifyingWD):'—'}</td><td data-label="Addback" class="r ${totals.addbackWD>0?'blue':'dim'}">${F(totals.addbackWD)}</td><td data-label="Transfers" class="r ${totals.transferIn+totals.transferOut>0?'purple':'dim'}">${tfSummary}</td><td data-label="Open" class="r mute">${F(firstYr.openRoom)}</td><td data-label="YE Room" class="r blue">${F(lastYr.yeRoom)}</td><td data-label="YE Excess" class="r ${endEx?'red':'dim'}">${endEx?F(lastYr.yeExcess):'—'}</td><td data-label="Tax" class="r ${totals.tax>0?'gold':'dim'}">${totals.tax>0?F(totals.tax):'—'}</td></tr>`;
    } else {
      const totals=rows.reduce((acc,[,yr])=>{
        acc.participationRoom+=safeNum(yr.participationRoom); acc.carryforward+=safeNum(yr.carryforward);
        acc.countedInflows+=safeNum(yr.countedInflows); acc.taxableWithdrawals+=safeNum(yr.taxableWithdrawals);
        acc.designatedAmounts+=safeNum(yr.designatedAmounts); acc.tax+=safeNum(yr.tax);
        return acc;
      },{participationRoom:0,carryforward:0,countedInflows:0,taxableWithdrawals:0,designatedAmounts:0,tax:0});
      const endEx=safeNum(lastYr.yeExcess)>0.005;
      h+=`<tr class="summary-row"><td data-label="Year" class="bright bold">All Years</td><td data-label="Part. Room" class="r mute">${F(totals.participationRoom)}</td><td data-label="Carry" class="r ${totals.carryforward>0?'blue':'dim'}">${F(totals.carryforward)}</td><td data-label="Counted In" class="r ${totals.countedInflows>0?'green':'dim'}">${F(totals.countedInflows)}</td><td data-label="Taxable WD" class="r ${totals.taxableWithdrawals>0?'red':'dim'}">${totals.taxableWithdrawals>0?F(totals.taxableWithdrawals):'—'}</td><td data-label="Designated" class="r ${totals.designatedAmounts>0?'gold':'dim'}">${totals.designatedAmounts>0?F(totals.designatedAmounts):'—'}</td><td data-label="YE Room" class="r blue">${F(lastYr.yeRoom)}</td><td data-label="YE Excess" class="r ${endEx?'red':'dim'}">${endEx?F(lastYr.yeExcess):'—'}</td><td data-label="Life Left" class="r mute">${F(lastYr.lifetimeLeft)}</td><td data-label="Tax" class="r ${totals.tax>0?'gold':'dim'}">${totals.tax>0?F(totals.tax):'—'}</td></tr>`;
    }
  }
  h+=`</tbody></table></div>`;
  return h;
}

// ═══════════════════════════════════════════════════
// RRSP HELPERS / VIEWS
// ═══════════════════════════════════════════════════
function getRrspYearsSorted(){return rrspYears.slice().sort((a,b)=>safeNum(a.taxYear)-safeNum(b.taxYear));}
function getRrspYearRecord(year){return getRrspYearsSorted().find(r=>safeNum(r.taxYear)===safeNum(year))||null;}
function getRrspCurrentContext(cy){
  const current=getRrspYearRecord(cy)||getRrspYearRecord(cy-1)||null;
  const filing=getRrspYearRecord(cy-1)||current;
  return {current,filing,cy,filingYear:filing?safeNum(filing.taxYear):cy-1};
}
function calculateProgressiveTax(amount, brackets){
  let tax=0, prev=0;
  const income=Math.max(0,safeNum(amount));
  brackets.forEach(([upper,rate])=>{
    if(income<=prev)return;
    const taxable=Math.min(income, upper)-prev;
    if(taxable>0)tax += taxable*rate;
    prev = upper;
  });
  return tax;
}
function rrspProxyTaxSavings(rec){
  if(!rec)return 0;
  if(safeNum(rec.estimatedTaxSavings)>0)return safeNum(rec.estimatedTaxSavings);
  const year=safeNum(rec.taxYear);
  const taxable=safeNum(rec.actualTaxableIncome);
  const deduction=safeNum(rec.deductionClaimed);
  if(year===2025 && taxable>0 && deduction>0){
    const fed=[[57375,0.145],[114750,0.205],[177882,0.26],[253414,0.29],[1e12,0.33]];
    const on=[[52886,0.0505],[105775,0.0915],[150000,0.1116],[220000,0.1216],[1e12,0.1316]];
    const before=calculateProgressiveTax(taxable,fed)+calculateProgressiveTax(taxable,on);
    const after=calculateProgressiveTax(Math.max(0,taxable-deduction),fed)+calculateProgressiveTax(Math.max(0,taxable-deduction),on);
    return Math.max(0,before-after);
  }
  const payable=safeNum(rec.actualTotalPayable);
  if(taxable>0&&payable>0&&deduction>0){
    const rate=Math.max(0.15,Math.min(0.48,payable/taxable));
    return deduction*rate;
  }
  return 0;
}
function rrspUnusedRoomEnd(rec){
  if(!rec)return 0;
  if(rec.unusedDeductionRoomEnd!==undefined&&rec.unusedDeductionRoomEnd!==null)return safeNum(rec.unusedDeductionRoomEnd);
  return Math.max(0,safeNum(rec.deductionLimit)-safeNum(rec.deductionClaimed));
}

function computeRrspDiagnostics(){
  const years=getRrspYearsSorted();
  const receiptByYear={}, activityByYear={}, activityTransferByYear={}, currentCtx=getRrspCurrentContext(getCurrentYear());
  rrspReceipts.forEach(r=>{
    const y=String(r.taxYear||'');
    if(!receiptByYear[y])receiptByYear[y]={regular:0,first60:0,total:0,count:0};
    receiptByYear[y].regular+=safeNum(r.regularPeriodAmount);
    receiptByYear[y].first60+=safeNum(r.first60DaysAmount);
    receiptByYear[y].total+=safeNum(r.regularPeriodAmount)+safeNum(r.first60DaysAmount);
    receiptByYear[y].count+=1;
  });
  rT.forEach(t=>{
    const y=String(t.taxYearTarget||'');
    const roomEffect=String(t.roomEffect||'');
    const amt=safeNum(t.amt);
    if(roomEffect==='consumes_room' && y){
      if(!activityByYear[y])activityByYear[y]={total:0,count:0};
      activityByYear[y].total+=amt;
      activityByYear[y].count+=1;
    }else if(roomEffect==='room_neutral' && y){
      if(!activityTransferByYear[y])activityTransferByYear[y]={total:0,count:0};
      activityTransferByYear[y].total+=amt;
      activityTransferByYear[y].count+=1;
    }
  });

  const annualChecks=years.map(rec=>{
    const y=String(rec.taxYear), annualTotal=safeNum(rec.totalContributionsForReturn), receipt=receiptByYear[y]||{regular:0,first60:0,total:0,count:0}, activity=activityByYear[y]||{total:0,count:0}, transfer=activityTransferByYear[y]||{total:0,count:0};
    const receiptDiff=Math.abs(receipt.total-annualTotal), activityDiff=Math.abs(activity.total-annualTotal);
    const receiptMatch=receipt.count>0 && receiptDiff<=1;
    const activityMatch=activity.count>0 && activityDiff<=1;
    const carry=safeNum(rec.unusedContributionsCarryforwardEnd);
    const avail=safeNum(rec.availableContributionRoom||rec.deductionLimit);
    const potentialOver=annualTotal > (avail + 2000.01);
    return {year:rec.taxYear,annualTotal,receiptTotal:receipt.total,receiptCount:receipt.count,receiptMatch,receiptDiff,activityTotal:activity.total,activityCount:activity.count,activityMatch,activityDiff,transferTotal:transfer.total,transferCount:transfer.count,carry,avail,potentialOver,first60:safeNum(rec.first60DaysContributions),deducted:safeNum(rec.deductionClaimed)};
  });

  const matchedYears=annualChecks.filter(x=>x.receiptMatch||x.activityMatch);
  const receiptCoverageYears=annualChecks.filter(x=>x.receiptCount>0);
  const activityCoverageYears=annualChecks.filter(x=>x.activityCount>0);
  const needsCraAnchorYears=annualChecks.filter(x=>!x.receiptMatch && !x.activityMatch);
  const overYears=annualChecks.filter(x=>x.potentialOver);
  const transferVolume=annualChecks.reduce((s,x)=>s+x.transferTotal,0);
  const cumulativeContributed=years.reduce((s,r)=>s+safeNum(r.totalContributionsForReturn),0);
  const cumulativeDeducted=years.reduce((s,r)=>s+safeNum(r.deductionClaimed),0);
  const carryforwardBalance=cumulativeContributed-cumulativeDeducted;
  return {
    currentCtx,
    annualChecks,
    matchedYears,
    receiptCoverageYears,
    activityCoverageYears,
    needsCraAnchorYears,
    overYears,
    transferVolume,
    cumulativeContributed,
    cumulativeDeducted,
    carryforwardBalance
  };
}

function buildRrspDashboardPanel(cy){
  if(!rrspYears.length)return '';
  const ctx=getRrspCurrentContext(cy);
  const current=ctx.current||{};
  const filing=ctx.filing||{};
  const diag=computeRrspDiagnostics();
  const matchedCount=diag.matchedYears.length;
  const totalYears=diag.annualChecks.length;
  const anchorYears=diag.needsCraAnchorYears.map(x=>x.year);
  let h=`<h2 class="sec">RRSP — Filing ${ctx.filingYear}</h2><p class="panel-sub" style="margin:-6px 0 12px">CRA-anchored contribution room and deduction tracking. Contributions, deductions, carryforward, and room-neutral transfers remain separate.</p><div class="cards cards-4">`;
  h+=card('Available Room',F(safeNum(current.availableContributionRoom||current.deductionLimit)),'Current opening RRSP contribution room',false,{accent:'purple'});
  h+=card(ctx.filingYear+' Contributions',F(safeNum(filing.totalContributionsForReturn)),'Regular '+F(safeNum(filing.regularPeriodContributions))+' • First 60 '+F(safeNum(filing.first60DaysContributions)),false,{accent:'blue'});
  h+=card(ctx.filingYear+' Deduction Claimed',F(safeNum(filing.deductionClaimed)),safeNum(filing.unusedContributionsCarryforwardEnd)>0.005?'Carryforward left: '+F(safeNum(filing.unusedContributionsCarryforwardEnd)):'All filed contributions deducted',false,{accent:'green'});
  h+=card('Unused Carryforward',F(safeNum(filing.unusedContributionsCarryforwardEnd)),safeNum(filing.unusedContributionsCarryforwardEnd)>0.005?'Available for a future return':'Nothing carried forward',false,{accent:'gold'});
  h+='</div>';
  const cumulative=diag.cumulativeContributed;
  const reconText=matchedCount>0 ? `${matchedCount} of ${totalYears} year(s) have receipt or activity support that reconciles to the CRA annual total.` : `No year currently reconciles from detail alone; CRA annual rows remain the sole anchor.`;
  const overText=diag.overYears.length?`Potential overcontribution review: ${diag.overYears.map(x=>x.year).join(', ')}.`:'No potential overcontribution years flagged from CRA annual records.';
  const anchorText=anchorYears.length?`CRA-only anchor years: ${anchorYears.join(', ')}.`:'Every RRSP year has at least one supporting detail path.';
  h+='<p class="panel-sub" style="margin-top:10px">'+ctx.filingYear+' NOA refund on record: '+(filing.actualRefundOrBalance?F(safeNum(filing.actualRefundOrBalance)):'—')+'. Cumulative RRSP contributions on record: <b>'+F(cumulative)+'</b>.</p>';
  h+='<p class="panel-sub" style="margin-top:6px"><b>Reconciliation:</b> '+reconText+' <b>Transfer volume:</b> '+(diag.transferVolume>0.005?F(diag.transferVolume):'None')+'. '+overText+' '+anchorText+'</p>';
  return h;
}



let rrspAnnualEditingYear = null;
let rrspReceiptEditingIndex = -1;

function deriveRrspTxnFields(type,dateIso,windowHint,roomEffectHint){
  const d=String(dateIso||''), y=+(d.slice(0,4)||getCurrentYear()), m=+(d.slice(5,7)||0), t=normalizeRrspType(type);
  let windowVal='not_applicable', roomEffect='asset_only', targetYear=y;
  if(t==='Contribution'){windowVal='regular_year';roomEffect='consumes_room';}
  else if(t==='First 60 Contribution'){windowVal='first_60_days';roomEffect='consumes_room';targetYear=(m>=1&&m<=2)?(y-1):y;}
  else if(t==='Institutional Transfer In'||t==='Institutional Transfer Out'){roomEffect='room_neutral';}
  if(String(windowHint||'').trim())windowVal=String(windowHint).trim();
  if(String(roomEffectHint||'').trim())roomEffect=String(roomEffectHint).trim();
  return {windowVal,roomEffect,targetYear};
}
function normalizeRrspAnnualRecord(rec){
  const taxYear=Math.floor(safeNum(rec.taxYear)), regular=safeNum(rec.regularPeriodContributions), first60=safeNum(rec.first60DaysContributions);
  let total=safeNum(rec.totalContributionsForReturn); if(total<=0.005&&(regular>0.005||first60>0.005))total=regular+first60;
  return {taxYear,availableContributionRoom:safeNum(rec.availableContributionRoom),deductionLimit:safeNum(rec.deductionLimit),regularPeriodContributions:regular,first60DaysContributions:first60,totalContributionsForReturn:total,deductionClaimed:safeNum(rec.deductionClaimed),unusedContributionsCarryforwardStart:safeNum(rec.unusedContributionsCarryforwardStart),unusedContributionsCarryforwardEnd:safeNum(rec.unusedContributionsCarryforwardEnd),unusedDeductionRoomEnd:safeNum(rec.unusedDeductionRoomEnd),actualRefundOrBalance:safeNum(rec.actualRefundOrBalance),actualTotalIncome:safeNum(rec.actualTotalIncome),actualTaxableIncome:safeNum(rec.actualTaxableIncome),actualTotalPayable:safeNum(rec.actualTotalPayable),sourceQuality:String(rec.sourceQuality||'Manual').trim()||'Manual',notes:String(rec.notes||'').trim()};
}
function normalizeRrspReceiptRecord(rec){return {taxYear:Math.floor(safeNum(rec.taxYear)),institution:String(rec.institution||'').trim(),accountId:String(rec.accountId||'').trim(),regularPeriodAmount:safeNum(rec.regularPeriodAmount),first60DaysAmount:safeNum(rec.first60DaysAmount),sourceRef:String(rec.sourceRef||'').trim(),notes:String(rec.notes||'').trim()};}
function openRrspAnnualModal(taxYear){
  rrspAnnualEditingYear=taxYear!==undefined&&taxYear!==null?String(taxYear):null;
  const rec=rrspAnnualEditingYear?(rrspYears.find(r=>String(r.taxYear)===rrspAnnualEditingYear)||null):null;
  document.getElementById('rrsp-annual-title').textContent=rec?'Edit RRSP Annual Record':'Add RRSP Annual Record';
  document.getElementById('rrsp-annual-save-btn').textContent=rec?'Save Changes':'Add';
  document.getElementById('ra-tax-year').value=rec?safeNum(rec.taxYear):Math.max(1990,getCurrentYear()-1);
  document.getElementById('ra-avail-room').value=rec?safeNum(rec.availableContributionRoom):'';
  document.getElementById('ra-deduction-limit').value=rec?safeNum(rec.deductionLimit):'';
  document.getElementById('ra-regular').value=rec?safeNum(rec.regularPeriodContributions):'';
  document.getElementById('ra-first60').value=rec?safeNum(rec.first60DaysContributions):'';
  document.getElementById('ra-total').value=rec?safeNum(rec.totalContributionsForReturn):'';
  document.getElementById('ra-deducted').value=rec?safeNum(rec.deductionClaimed):'';
  document.getElementById('ra-carry').value=rec?safeNum(rec.unusedContributionsCarryforwardEnd):'';
  document.getElementById('ra-unused-room').value=rec?safeNum(rec.unusedDeductionRoomEnd):'';
  document.getElementById('ra-refund').value=rec?safeNum(rec.actualRefundOrBalance):'';
  document.getElementById('ra-total-income').value=rec?safeNum(rec.actualTotalIncome):'';
  document.getElementById('ra-taxable-income').value=rec?safeNum(rec.actualTaxableIncome):'';
  document.getElementById('ra-total-payable').value=rec?safeNum(rec.actualTotalPayable):'';
  document.getElementById('ra-source-quality').value=rec?(rec.sourceQuality||'Manual'):'Manual';
  document.getElementById('ra-notes').value=rec?(rec.notes||''):'';
  document.getElementById('rrsp-annual-modal').classList.remove('hidden');
}
function closeRrspAnnualModal(){document.getElementById('rrsp-annual-modal').classList.add('hidden');rrspAnnualEditingYear=null;}
function saveRrspAnnual(){
  const taxYear=Math.floor(safeNum(document.getElementById('ra-tax-year').value));
  if(taxYear<1990||taxYear>2100){alert('Enter a valid RRSP tax year.');return;}
  const rec=normalizeRrspAnnualRecord({taxYear,availableContributionRoom:document.getElementById('ra-avail-room').value,deductionLimit:document.getElementById('ra-deduction-limit').value,regularPeriodContributions:document.getElementById('ra-regular').value,first60DaysContributions:document.getElementById('ra-first60').value,totalContributionsForReturn:document.getElementById('ra-total').value,deductionClaimed:document.getElementById('ra-deducted').value,unusedContributionsCarryforwardEnd:document.getElementById('ra-carry').value,unusedDeductionRoomEnd:document.getElementById('ra-unused-room').value,actualRefundOrBalance:document.getElementById('ra-refund').value,actualTotalIncome:document.getElementById('ra-total-income').value,actualTaxableIncome:document.getElementById('ra-taxable-income').value,actualTotalPayable:document.getElementById('ra-total-payable').value,sourceQuality:document.getElementById('ra-source-quality').value,notes:document.getElementById('ra-notes').value});
  const existingIdx=rrspYears.findIndex(r=>String(r.taxYear)===String(taxYear));
  if(rrspAnnualEditingYear===null&&existingIdx>=0){alert('An RRSP annual record for that tax year already exists. Edit it instead.');return;}
  if(rrspAnnualEditingYear!==null){const editIdx=rrspYears.findIndex(r=>String(r.taxYear)===String(rrspAnnualEditingYear)); if(editIdx>=0)rrspYears[editIdx]=rec; else rrspYears.push(rec);} else rrspYears.push(rec);
  rrspYears.sort((a,b)=>safeNum(a.taxYear)-safeNum(b.taxYear)); save(); render(); closeRrspAnnualModal(); if(typeof showToast==='function')showToast(`Saved RRSP annual record for ${taxYear}.`,null,2200);
}
function editRrspAnnual(taxYear){openRrspAnnualModal(taxYear);}
function deleteRrspAnnual(taxYear){ if(!confirm(`Delete RRSP annual record for ${taxYear}?`))return; const idx=rrspYears.findIndex(r=>String(r.taxYear)===String(taxYear)); if(idx<0)return; rrspYears.splice(idx,1); save(); render(); if(typeof showToast==='function')showToast(`Deleted RRSP annual record for ${taxYear}.`,true,2200);}
function openRrspReceiptModal(idx){
  rrspReceiptEditingIndex=(idx===undefined||idx===null)?-1:Number(idx);
  const rec=rrspReceiptEditingIndex>=0?rrspReceipts[rrspReceiptEditingIndex]:null;
  document.getElementById('rrsp-receipt-title').textContent=rec?'Edit RRSP Receipt Detail':'Add RRSP Receipt Detail';
  document.getElementById('rrsp-receipt-save-btn').textContent=rec?'Save Changes':'Add';
  document.getElementById('rr-tax-year').value=rec?safeNum(rec.taxYear):Math.max(1990,getCurrentYear()-1);
  document.getElementById('rr-inst').value=rec?(rec.institution||''):'';
  document.getElementById('rr-acct').value=rec?(rec.accountId||''):'';
  document.getElementById('rr-regular').value=rec?safeNum(rec.regularPeriodAmount):'';
  document.getElementById('rr-first60').value=rec?safeNum(rec.first60DaysAmount):'';
  document.getElementById('rr-source-ref').value=rec?(rec.sourceRef||''):'';
  document.getElementById('rr-notes').value=rec?(rec.notes||''):'';
  document.getElementById('rrsp-receipt-modal').classList.remove('hidden');
}
function closeRrspReceiptModal(){document.getElementById('rrsp-receipt-modal').classList.add('hidden');rrspReceiptEditingIndex=-1;}
function saveRrspReceipt(){
  const taxYear=Math.floor(safeNum(document.getElementById('rr-tax-year').value)), institution=String(document.getElementById('rr-inst').value||'').trim();
  if(taxYear<1990||taxYear>2100||!institution){alert('Enter a valid RRSP receipt tax year and institution.');return;}
  const rec=normalizeRrspReceiptRecord({taxYear,institution,accountId:document.getElementById('rr-acct').value,regularPeriodAmount:document.getElementById('rr-regular').value,first60DaysAmount:document.getElementById('rr-first60').value,sourceRef:document.getElementById('rr-source-ref').value,notes:document.getElementById('rr-notes').value});
  if(rrspReceiptEditingIndex>=0)rrspReceipts[rrspReceiptEditingIndex]=rec; else rrspReceipts.push(rec);
  rrspReceipts.sort((a,b)=>(safeNum(a.taxYear)-safeNum(b.taxYear))||String(a.institution||'').localeCompare(String(b.institution||''))||String(a.accountId||'').localeCompare(String(b.accountId||'')));
  save(); render(); closeRrspReceiptModal(); if(typeof showToast==='function')showToast(`Saved RRSP receipt detail for ${taxYear}.`,null,2200);
}
function editRrspReceipt(idx){openRrspReceiptModal(idx);}
function deleteRrspReceipt(idx){ if(!confirm('Delete this RRSP receipt detail row?'))return; const i=Number(idx); if(i<0||i>=rrspReceipts.length)return; rrspReceipts.splice(i,1); save(); render(); if(typeof showToast==='function')showToast('Deleted RRSP receipt detail row.',true,2200);}

function renderRrspAnnualTable(){
  const rows=getRrspYearsSorted();
  if(!rows.length)return '<div class="panel mt-lg"><h3 class="panel-title">RRSP Annual</h3><p class="panel-sub">No RRSP annual records loaded yet. Use <b>Add Annual Record</b> to build your CRA-first RRSP history.</p></div>';
  const receiptSplitByYear={};
  rrspReceipts.forEach(r=>{const y=String(r.taxYear||'');if(!receiptSplitByYear[y])receiptSplitByYear[y]={regular:0,first60:0};receiptSplitByYear[y].regular+=safeNum(r.regularPeriodAmount);receiptSplitByYear[y].first60+=safeNum(r.first60DaysAmount);});
  let h=`<div class="overflow rrsp-overflow rrsp-overflow-annual"><table class="mobile-stack rrsp-table rrsp-annual-table"><thead><tr><th>Year</th><th class="r">Avail. Room</th><th class="r">Deduct. Limit</th><th class="r">Regular</th><th class="r">First 60</th><th class="r">Total</th><th class="r">Deducted</th><th class="r">Carry Fwd</th><th class="r">Unused Room</th><th class="r">NOA</th><th>Actions</th></tr></thead><tbody>`;
  rows.forEach(rec=>{const carry=safeNum(rec.unusedContributionsCarryforwardEnd), unused=rrspUnusedRoomEnd(rec), split=receiptSplitByYear[String(rec.taxYear)]||{regular:0,first60:0}; const splitDiff=Math.abs((safeNum(split.regular)+safeNum(split.first60))-safeNum(rec.totalContributionsForReturn)); const hasApproxReceiptSplit=safeNum(split.first60)>0.005 && safeNum(rec.first60DaysContributions)<=0.005 && splitDiff>0.005 && splitDiff<=1; const yearHtml=hasApproxReceiptSplit?`${escapeHtml(String(rec.taxYear))} <span class="dim" title="Receipt-backed regular/first-60 detail exists for this year, but CRA annual totals remain canonical because receipt detail differs by ${F(splitDiff)}.">†</span>`:escapeHtml(String(rec.taxYear)); h+=`<tr${carry>0.005?' class="excess"':''}><td data-label="Year" class="bright bold">${yearHtml}</td><td data-label="Avail. Room" class="r blue">${F(safeNum(rec.availableContributionRoom||rec.deductionLimit))}</td><td data-label="Deduction Limit" class="r mute">${F(safeNum(rec.deductionLimit))}</td><td data-label="Regular" class="r ${safeNum(rec.regularPeriodContributions)>0.005?'green':'dim'}">${safeNum(rec.regularPeriodContributions)>0.005?F(safeNum(rec.regularPeriodContributions)):'—'}</td><td data-label="First 60" class="r ${safeNum(rec.first60DaysContributions)>0.005?'gold':'dim'}">${safeNum(rec.first60DaysContributions)>0.005?F(safeNum(rec.first60DaysContributions)):'—'}</td><td data-label="Total" class="r ${safeNum(rec.totalContributionsForReturn)>0.005?'green':'dim'}">${safeNum(rec.totalContributionsForReturn)>0.005?F(safeNum(rec.totalContributionsForReturn)):'—'}</td><td data-label="Deducted" class="r ${safeNum(rec.deductionClaimed)>0.005?'purple':'dim'}">${safeNum(rec.deductionClaimed)>0.005?F(safeNum(rec.deductionClaimed)):'—'}</td><td data-label="Carry Fwd" class="r ${carry>0.005?'gold':'dim'}">${carry>0.005?F(carry):'—'}</td><td data-label="Unused Room" class="r ${unused>0.005?'blue':'dim'}">${unused>0.005?F(unused):'—'}</td><td data-label="NOA" class="r ${safeNum(rec.actualRefundOrBalance)>0.005?'purple':'dim'}">${safeNum(rec.actualRefundOrBalance)>0.005?F(safeNum(rec.actualRefundOrBalance)):'—'}</td><td data-label="Actions" class="actions-cell rrsp-action-col"><div class="rrsp-inline-actions"><button class="del-btn" title="Edit" onclick="editRrspAnnual('${escAttr(String(rec.taxYear))}')" aria-label="Edit RRSP annual record">✎</button><button class="del-btn" title="Delete" onclick="deleteRrspAnnual('${escAttr(String(rec.taxYear))}')" aria-label="Delete RRSP annual record">×</button></div></td></tr>`;});
  h+='</tbody></table></div>'; return h;
}

function renderRrspTransactionsTable(){
  const annualRows=getRrspYearsSorted().slice().sort((a,b)=>safeNum(b.taxYear)-safeNum(a.taxYear)).map(rec=>({rowKind:'annual',period:String(rec.taxYear),inst:'CRA',acct:'Annual aggregate',typeLabel:'Contribution total',typeTitle:'CRA annual RRSP contribution total',typePill:'pill-blue',targetYear:rec.taxYear,amt:safeNum(rec.totalContributionsForReturn),amountClass:safeNum(rec.totalContributionsForReturn)>0.005?'green':'dim',roomEffect:'Consumes room',source:'CRA annual'}));
  const eventRows=rT.map((t,sourceIndex)=>({t,sourceIndex})).filter(({t})=>String(t.roomEffect||'')==='room_neutral' || /withdrawal|adjustment|contribution/i.test(String(t.type||''))).sort((a,b)=>sortTxnsDesc(a.t,b.t)).map(({t,sourceIndex})=>{const meta=rrspTypeMeta(t.type); return {rowKind:'event',sourceIndex,period:t.d||'—',inst:t.inst||'—',acct:t.acct||'—',typeLabel:meta.label,typeTitle:meta.fullLabel||meta.label,typePill:meta.pill,targetYear:t.taxYearTarget||'',amt:safeNum(t.amt),amountClass:meta.amountClass,roomEffect:getRrspRoomEffectLabel(t.roomEffect),source:getRrspSourceLabel(t)};});
  const rows=[...annualRows,...eventRows];
  if(!rows.length)return '<div class="panel mt-lg"><h3 class="panel-title">RRSP Transactions</h3><p class="panel-sub">No RRSP transaction rows loaded yet. Use <b>Add Activity</b> for transfers, withdrawals, adjustments, or manual activity support rows.</p></div>';
  let h=`<div class="overflow rrsp-overflow"><table class="mobile-stack rrsp-table rrsp-txn-table"><thead><tr><th>Period</th><th>Institution</th><th>Account</th><th>Type</th><th class="r">Target Year</th><th class="r">Amount</th><th>Room Effect</th><th>Source</th><th>Actions</th></tr></thead><tbody>`;
  rows.forEach(t=>{const actions=t.rowKind==='event'?`<div class="rrsp-inline-actions"><button class="del-btn" title="Edit" onclick="editTxn('RRSP',${t.sourceIndex})" aria-label="Edit RRSP transaction">✎</button><button class="del-btn" title="Delete" onclick="delTxn('RRSP',${t.sourceIndex})" aria-label="Delete RRSP transaction">×</button></div>`:'—'; h+=`<tr><td data-label="Period" class="mute">${escapeHtml(String(t.period||'—'))}</td><td data-label="Institution" class="truncate" title="${escAttr(t.inst||'')}">${escapeHtml(t.inst||'—')}</td><td data-label="Account" class="truncate" title="${escAttr(t.acct||'')}">${escapeHtml(t.acct||'—')}</td><td data-label="Type"><span class="pill ${t.typePill}" title="${escAttr(t.typeTitle||t.typeLabel)}">${escapeHtml(t.typeLabel||'—')}</span></td><td data-label="Target Year" class="r mute">${t.targetYear?escapeHtml(String(t.targetYear)):'—'}</td><td data-label="Amount" class="r ${t.amountClass}">${t.amt>0.005?F(t.amt):'—'}</td><td data-label="Room Effect">${escapeHtml(t.roomEffect||'—')}</td><td data-label="Source">${escapeHtml(t.source||'—')}</td><td data-label="Actions" class="rrsp-action-col">${actions}</td></tr>`;});
  h+='</tbody></table></div>'; return h;
}

function renderRrspReceiptsTable(){
  const years=getRrspYearsSorted(), yearReceiptTotals={}, yearSourceCounts={};
  rrspReceipts.forEach(r=>{const y=String(r.taxYear);yearReceiptTotals[y]=(yearReceiptTotals[y]||0)+safeNum(r.regularPeriodAmount)+safeNum(r.first60DaysAmount);yearSourceCounts[y]=(yearSourceCounts[y]||0)+1;});
  let h='';
  if(years.length){
    h+=`<div class="overflow rrsp-overflow"><table class="mobile-stack rrsp-table rrsp-recon-table"><thead><tr><th>Tax Year</th><th>CRA Basis</th><th>Detail Coverage</th><th class="r">CRA Total</th><th class="r">Detail Total</th><th class="r">Deducted</th><th class="r">Carry Fwd</th><th>Status</th></tr></thead><tbody>`;
    years.forEach(rec=>{const yearKey=String(rec.taxYear), annualTotal=safeNum(rec.totalContributionsForReturn), detailTotal=yearReceiptTotals[yearKey]||0, sourceCount=yearSourceCounts[yearKey]||0; let coverage='CRA only'; if(sourceCount>0)coverage=sourceCount===1?'1 receipt source':`${sourceCount} receipt sources`; const diff=Math.abs(detailTotal-annualTotal); let status='CRA anchor', pillClass='pill-rrsp'; if(sourceCount>0&&diff<=1){status='Reconciled';pillClass='pill-good';} else if(sourceCount>0&&diff>1){status='Use CRA';pillClass='pill-warn';} h+=`<tr><td data-label="Tax Year" class="bright bold">${escapeHtml(yearKey)}</td><td data-label="CRA Basis">Annual anchor</td><td data-label="Detail Coverage">${escapeHtml(coverage)}</td><td data-label="CRA Total" class="r blue">${annualTotal>0.005?F(annualTotal):'—'}</td><td data-label="Detail Total" class="r mute">${detailTotal>0.005?F(detailTotal):'—'}</td><td data-label="Deducted" class="r ${safeNum(rec.deductionClaimed)>0.005?'purple':'dim'}">${safeNum(rec.deductionClaimed)>0.005?F(safeNum(rec.deductionClaimed)):'—'}</td><td data-label="Carry Fwd" class="r ${safeNum(rec.unusedContributionsCarryforwardEnd)>0.005?'gold':'dim'}">${safeNum(rec.unusedContributionsCarryforwardEnd)>0.005?F(safeNum(rec.unusedContributionsCarryforwardEnd)):'—'}</td><td data-label="Status"><span class="pill ${pillClass}">${escapeHtml(status)}</span></td></tr>`;});
    h+='</tbody></table></div>';
  } else {
    h+='<div class="panel mt-lg"><h3 class="panel-title">RRSP Receipts & Reconciliation</h3><p class="panel-sub">No RRSP annual records loaded yet. Add an annual record first, then optionally add receipt detail for reconciliation support.</p></div>';
  }
  if(rrspReceipts.length){
    h+=`<div class="overflow rrsp-overflow rrsp-detail-table"><table class="mobile-stack rrsp-table rrsp-recon-table"><thead><tr><th>Tax Year</th><th>Institution</th><th>Account</th><th class="r">Regular</th><th class="r">First 60</th><th>Source Ref</th><th>Actions</th></tr></thead><tbody>`;
    rrspReceipts.map((r,i)=>({r,i})).sort((a,b)=>(safeNum(b.r.taxYear)-safeNum(a.r.taxYear))||String(a.r.institution||'').localeCompare(String(b.r.institution||''))).forEach(({r,i})=>{h+=`<tr><td data-label="Tax Year" class="bright bold">${escapeHtml(String(r.taxYear||'—'))}</td><td data-label="Institution">${escapeHtml(r.institution||'—')}</td><td data-label="Account">${escapeHtml(r.accountId||'—')}</td><td data-label="Regular" class="r ${safeNum(r.regularPeriodAmount)>0.005?'green':'dim'}">${safeNum(r.regularPeriodAmount)>0.005?F(safeNum(r.regularPeriodAmount)):'—'}</td><td data-label="First 60" class="r ${safeNum(r.first60DaysAmount)>0.005?'gold':'dim'}">${safeNum(r.first60DaysAmount)>0.005?F(safeNum(r.first60DaysAmount)):'—'}</td><td data-label="Source Ref">${escapeHtml(r.sourceRef||'—')}</td><td data-label="Actions" class="actions-cell rrsp-action-col"><div class="rrsp-inline-actions"><button class="del-btn" title="Edit" onclick="editRrspReceipt(${i})" aria-label="Edit RRSP receipt row">✎</button><button class="del-btn" title="Delete" onclick="deleteRrspReceipt(${i})" aria-label="Delete RRSP receipt row">×</button></div></td></tr>`;});
    h+='</tbody></table></div><p class="annual-desc rrsp-edit-note">Receipt rows are optional support detail. CRA annual records remain canonical when receipt totals differ slightly or do not cover every year.</p>';
  } else {
    h+='<p class="annual-desc rrsp-edit-note">No RRSP receipt detail rows loaded yet. Use <b>Add Receipt</b> to support reconciliation for any year.</p>';
  }
  return h;
}

function renderRrspInsightsPanel(){
  const years=getRrspYearsSorted();
  if(!years.length)return '';
  const diag=computeRrspDiagnostics();
  const cumulativeContributed=diag.cumulativeContributed;
  const cumulativeDeducted=diag.cumulativeDeducted;
  const first60Heavy=years.filter(r=>safeNum(r.totalContributionsForReturn)>0.005).map(r=>({year:r.taxYear,share:safeNum(r.first60DaysContributions)/safeNum(r.totalContributionsForReturn)})).sort((a,b)=>b.share-a.share)[0]||null;
  const carryYears=years.filter(r=>safeNum(r.unusedContributionsCarryforwardEnd)>0.005);
  const deductionUtil=years.filter(r=>safeNum(r.deductionLimit)>0.005&&safeNum(r.deductionClaimed)>0.005).map(r=>({year:r.taxYear,pct:(safeNum(r.deductionClaimed)/safeNum(r.deductionLimit))*100})).sort((a,b)=>b.pct-a.pct)[0]||null;
  const matchedYears=diag.matchedYears.map(x=>x.year);
  const anchorYears=diag.needsCraAnchorYears.map(x=>x.year);
  const receiptYears=diag.receiptCoverageYears.map(x=>x.year);
  const activityYears=diag.activityCoverageYears.map(x=>x.year);
  const overYears=diag.overYears.map(x=>x.year);
  let h=`<div class="g2"><div class="panel mt-lg"><h3 class="panel-title">RRSP Insights</h3><p class="panel-text">• <b>Cumulative contributions made:</b> ${F(cumulativeContributed)}</p><p class="panel-text">• <b>Cumulative deductions claimed:</b> ${F(cumulativeDeducted)}</p><p class="panel-text">• <b>Carryforward implied by cumulative totals:</b> ${diag.carryforwardBalance>0.005?F(diag.carryforwardBalance):'—'}</p><p class="panel-text">• <b>Largest deduction-utilization year:</b> ${deductionUtil?deductionUtil.year+' ('+deductionUtil.pct.toFixed(1)+'%)':'—'}</p><p class="panel-text">• <b>Highest first-60-days share:</b> ${first60Heavy?(first60Heavy.year+' ('+(first60Heavy.share*100).toFixed(1)+'%)'):'—'}</p><p class="panel-text">• <b>Carryforward years:</b> ${carryYears.length?carryYears.map(r=>r.taxYear).join(', '):'None in the current records'}</p><p class="panel-text">• <b>Room-neutral transfer volume:</b> ${diag.transferVolume>0.005?F(diag.transferVolume):'None'}</p><p class="panel-sub">RRSP contributions, deductions claimed, and carryforward are intentionally separated. A strong RRSP year can still leave unused room or unused contributions.</p></div>`;
  h+=`<div class="panel mt-lg"><h3 class="panel-title">RRSP validation</h3><p class="panel-text">• <b>Matched to support detail:</b> ${matchedYears.length?matchedYears.join(', '):'None yet'}</p><p class="panel-text">• <b>Receipt-supported years:</b> ${receiptYears.length?receiptYears.join(', '):'None'}</p><p class="panel-text">• <b>Activity-supported years:</b> ${activityYears.length?activityYears.join(', '):'None'}</p><p class="panel-text">• <b>CRA-only anchor years:</b> ${anchorYears.length?anchorYears.join(', '):'None'}</p><p class="panel-text">• <b>Potential overcontribution review:</b> ${overYears.length?overYears.join(', '):'None flagged'}</p><p class="panel-text">• <b>2025 filing pattern:</b> ${first60Heavy&&first60Heavy.year===2025?'first-60-days contributions were the dominant funding window.':'the filing used a mixed contribution window.'}</p><p class="panel-sub">CRA annual rows remain canonical when receipt detail is missing, incomplete, or slightly rounded differently.</p></div></div>`;
  const flagged=diag.annualChecks.filter(x=>!x.receiptMatch && !x.activityMatch || x.potentialOver);
  h+=`<div class="panel mt-lg"><h3 class="panel-title">RRSP audit cues</h3><p class="panel-text">• <b>CRA anchors win:</b> annual deduction limits and room statements remain canonical if ledger detail and receipts disagree.</p><p class="panel-text">• <b>Transfers stay visible:</b> institutional RRSP transfers appear in the ledger but do not inflate contributed totals.</p><p class="panel-text">• <b>Refunds are reference-only:</b> the NOA refund shown by year is not treated as an RRSP-only outcome.</p>${flagged.length?'<div class="tool-row" style="margin-top:10px">'+flagged.map(x=>'<div class="recon-card"><div class="recon-label">Year '+escapeHtml(String(x.year))+'</div><div class="recon-value">'+(x.receiptMatch||x.activityMatch?'Supported':'CRA anchor only')+'</div><div class="recon-sub">'+(x.potentialOver?'Review possible overcontribution vs room. ':'')+'Receipt Δ '+F(Math.abs(x.receiptDiff||0))+' • Activity Δ '+F(Math.abs(x.activityDiff||0))+'</div></div>').join('')+'</div>':'<p class="panel-sub">No RRSP validation warnings are currently flagged.</p>'}</div>`;
  return h;
}

function renderRrspView(){
  const cy=getCurrentYear(), ctx=getRrspCurrentContext(cy);
  let h=`<div class="section-head view-header"><h2 class="view-title">RRSP</h2><div class="inline-btns"><span class="pill pill-rrsp" title="RRSP is presented as a CRA-first module: annual CRA values remain canonical, while receipts and activity rows are supporting context.">CRA-first reference</span><span class="pill pill-good" title="RRSP annual records, receipt rows, and activity support rows can now be edited manually.">Editable</span><button onclick="openModal('RRSP')">Add Transaction</button><div class="rrsp-secondary-actions"><button onclick="openRrspAnnualModal()">Add Annual Record</button><button onclick="openRrspReceiptModal()">Add Receipt</button><button onclick="exportCSV('RRSP')">Export RRSP CSV</button><button onclick="exportJSON()">Export Backup</button></div></div></div>`;
  h+=`<p class="note-inline">RRSP is CRA-anchored here: annual deduction-limit and room statements are canonical, while receipts and activity rows provide reconciliation context. Current planning year: <b>${cy}</b>; latest completed filing year: <b>${ctx.filingYear}</b>. Use <b>Add Transaction</b> for manual RRSP entries with type, date, institution, account, and amount. Use annual records and receipts as supporting CRA/reconciliation inputs.</p>`;
  h+=`<p class="annual-desc" style="margin-top:6px">Best practice for new users: add RRSP transactions with the shared modal first, then use annual CRA / NOA rows and receipt rows to anchor and reconcile the filing view.</p>`;
  const rrspApproxSplitYears=[], rrspReceiptSplitByYear={};
  rrspReceipts.forEach(r=>{const y=String(r.taxYear||'');if(!rrspReceiptSplitByYear[y])rrspReceiptSplitByYear[y]={regular:0,first60:0};rrspReceiptSplitByYear[y].regular+=safeNum(r.regularPeriodAmount);rrspReceiptSplitByYear[y].first60+=safeNum(r.first60DaysAmount);});
  getRrspYearsSorted().forEach(rec=>{const split=rrspReceiptSplitByYear[String(rec.taxYear)]||{regular:0,first60:0};const splitDiff=Math.abs((safeNum(split.regular)+safeNum(split.first60))-safeNum(rec.totalContributionsForReturn));if(safeNum(split.first60)>0.005 && safeNum(rec.first60DaysContributions)<=0.005 && splitDiff>0.005 && splitDiff<=1)rrspApproxSplitYears.push({taxYear:rec.taxYear,diff:splitDiff});});
  const rrspApproxSplitNote=rrspApproxSplitYears.length?`<p class="annual-desc" style="margin-top:8px">† Receipt-backed filing-window detail exists for ${rrspApproxSplitYears.map(x=>escapeHtml(String(x.taxYear))).join(', ')}. CRA annual totals remain canonical in the Annual view when receipt detail differs by under ${F(1)}.</p>`:'';
  h+=`<h2 class="annual-title annual-title-first">RRSP Annual Filing View</h2><p class="annual-desc">Regular-year contributions, first-60-days contributions, deduction claimed, unused carryforward, and room-neutral transfers are intentionally separated. Withdrawals do not restore RRSP room.</p>${rrspApproxSplitNote}`;
  h+=renderRrspAnnualTable();
  h+=`<h2 class="annual-title">RRSP Transactions</h2><p class="annual-desc">This ledger is intentionally CRA-first. Each tax year shows the CRA annual contribution total as the primary support row, while room-neutral transfer events, withdrawals, and manual adjustments stay visible separately.</p>`;
  h+=renderRrspTransactionsTable();
  h+=`<h2 class="annual-title">Receipts & Reconciliation</h2><p class="annual-desc">This section compares optional receipt/detail coverage against the CRA annual total by year. CRA remains canonical when receipt detail is partial, rounded differently, or incomplete.</p>`;
  h+=renderRrspReceiptsTable();
  h+=renderRrspInsightsPanel();
  return h;
}


// ═══════════════════════════════════════════════════
// VIEW SWITCHING
// ═══════════════════════════════════════════════════
function showView(v){
  curView=v;
  ['dashboard','tfsa','fhsa','rrsp','annual','tax','insights'].forEach(id=>{document.getElementById('v-'+id).classList.toggle('hidden',id!==v)});
  document.querySelectorAll('.nav-main button[data-nav-view]').forEach(b=>b.classList.remove('active'));
  const btn=document.querySelector(`.nav-main button[data-nav-view="${v}"]`);
  if(btn)btn.classList.add('active');
  // Scroll to top of content on view switch (especially helpful on mobile)
  window.scrollTo({top:0,behavior:'smooth'});
}

// ═══════════════════════════════════════════════════
// MODAL — Add/Edit with validation
// ═══════════════════════════════════════════════════

function buildLookups(){
  const instSet=new Set(), acctSet=new Set();
  [...tT,...fT,...rT].forEach(t=>{if(t.inst)instSet.add(t.inst);if(t.acct)acctSet.add(t.acct)});
  [...rrspReceipts].forEach(r=>{if(r.institution)instSet.add(r.institution);if(r.accountId)acctSet.add(r.accountId)});
  const instList=document.getElementById('inst-list');
  const acctList=document.getElementById('acct-list');
  if(instList)instList.innerHTML=[...instSet].sort().map(v=>`<option value="${escAttr(v)}"></option>`).join('');
  if(acctList)acctList.innerHTML=[...acctSet].sort().map(v=>`<option value="${escAttr(v)}"></option>`).join('');
}
function setModalTypeOptions(plan){
  const sel=document.getElementById('m-type');
  if(plan==='TFSA'){
    sel.innerHTML='<option value="Contribution">Contribution</option><option value="Withdrawal">Withdrawal</option><option value="Transfer In">Transfer In (room-neutral)</option><option value="Transfer Out">Transfer Out (room-neutral)</option>';
  } else if(plan==='FHSA'){
    sel.innerHTML=['<option value="Contribution">Contribution</option>','<option value="RRSP Transfer In">RRSP Transfer In</option>','<option value="Taxable Withdrawal">Taxable Withdrawal</option>','<option value="Designated Withdrawal">Designated Withdrawal</option>','<option value="Designated Transfer Out">Designated Transfer Out</option>','<option value="FHSA Direct Transfer In">FHSA Direct Transfer In</option>','<option value="FHSA Direct Transfer Out">FHSA Direct Transfer Out</option>','<option value="Qualifying Withdrawal">Qualifying Withdrawal</option>'].join('');
  } else {
    sel.innerHTML=['<option value="Contribution">Contribution</option>','<option value="First 60 Contribution">First 60 Contribution</option>','<option value="Institutional Transfer In">Institutional Transfer In</option>','<option value="Institutional Transfer Out">Institutional Transfer Out</option>','<option value="Withdrawal">Withdrawal</option>','<option value="Adjustment">Adjustment</option>'].join('');
  }
}
function syncModalForPlan(plan){
  setModalTypeOptions(plan);
  document.getElementById('m-treat-wrap').classList.toggle('hidden',plan!=='TFSA');
  document.getElementById('m-status-wrap').classList.toggle('hidden',plan!=='FHSA');
  const pref=uiPrefs[plan]||{};
  document.getElementById('m-inst').value=pref.inst||'';
  document.getElementById('m-acct').value=pref.acct||'';
  document.getElementById('m-type').value=pref.type||'Contribution';
  document.getElementById('m-treat').value=pref.treat||'Include';
  document.getElementById('m-status').value=pref.status||'Include';
}
function openModal(plan){
  modalPlan=plan; editingIndex=-1;
  buildLookups();
  document.getElementById('modal-title').textContent=(plan==='RRSP'?'Add RRSP Transaction':'Add '+plan+' Transaction');
  document.getElementById('modal-save-btn').textContent='Add';
  document.getElementById('m-date').value=new Date().toISOString().split('T')[0];
  document.getElementById('m-amt').value='';
  document.getElementById('m-note').value='';
  syncModalForPlan(plan);
  document.getElementById('modal').classList.remove('hidden');
}
function closeModal(){document.getElementById('modal').classList.add('hidden');editingIndex=-1}
function editTxn(plan,idx){
  const txns=plan==='TFSA'?tT:plan==='FHSA'?fT:rT;
  const target=(plan==='RRSP')?txns[Number(idx)]:getTxnFilteredRows(plan)[idx];
  if(!target)return;
  const origIdx=(plan==='RRSP')?Number(idx):txns.indexOf(target);
  if(origIdx<0)return;
  modalPlan=plan; editingIndex=origIdx;
  buildLookups();
  document.getElementById('modal-title').textContent=(plan==='RRSP'?'Edit RRSP Transaction':'Edit '+plan+' Transaction');
  document.getElementById('modal-save-btn').textContent='Save Changes';
  setModalTypeOptions(plan);
  document.getElementById('m-treat-wrap').classList.toggle('hidden',plan!=='TFSA');
  document.getElementById('m-status-wrap').classList.toggle('hidden',plan!=='FHSA');
  const src=txns[origIdx];
  document.getElementById('m-date').value=src.d||'';
  document.getElementById('m-inst').value=src.inst||'';
  document.getElementById('m-acct').value=src.acct||'';
  document.getElementById('m-type').value=src.type||'Contribution';
  if(plan==='TFSA')document.getElementById('m-treat').value=src.treat||'Include';
  if(plan==='FHSA')document.getElementById('m-status').value=src.status||'Include';
  document.getElementById('m-amt').value=src.amt||'';
  document.getElementById('m-note').value=src.note||'';
  document.getElementById('modal').classList.remove('hidden');
}
function saveTxn(){
  const d=document.getElementById('m-date').value, inst=(document.getElementById('m-inst').value||'').trim(), acct=(document.getElementById('m-acct').value||'').trim()||'manual', rawType=document.getElementById('m-type').value, amt=safeNum(document.getElementById('m-amt').value), note=(document.getElementById('m-note').value||'').trim();
  if(!d||!inst||amt<=0){alert('Please enter a valid date, institution, and positive amount.');return}
  const isEdit=editingIndex>=0;
  if(modalPlan==='TFSA'){
    const treat=normalizeFlag(document.getElementById('m-treat').value,'Include'), type=normalizeTfsaType(rawType,{strict:true});
    if(!type){alert('Select a valid TFSA type.');return}
    const base=isEdit?clone(tT[editingIndex]):{}, txn=ensureTxnIdentity('TFSA',{...base,d,inst,acct,type,amt,treat,note});
    if(isEdit)tT[editingIndex]=txn; else tT.push(txn); uiPrefs.TFSA={inst,acct,type,treat};
  } else if(modalPlan==='FHSA'){
    const status=normalizeFlag(document.getElementById('m-status').value,'Include'), type=normalizeFhsaType(rawType,{strict:true});
    if(!type){alert('Select a valid FHSA type.');return}
    const base=isEdit?clone(fT[editingIndex]):{}, txn=ensureTxnIdentity('FHSA',{...base,d,inst,acct,type,amt,status,note});
    if(isEdit)fT[editingIndex]=txn; else fT.push(txn); uiPrefs.FHSA={inst,acct,type,status};
  } else {
    const type=normalizeRrspType(rawType), base=isEdit?clone(rT[editingIndex]):{}, derived=deriveRrspTxnFields(type,d,base.window,base.roomEffect), txn=ensureTxnIdentity('RRSP',{...base,d,inst,acct,type,amt,note,taxYearTarget:derived.targetYear,window:derived.windowVal,roomEffect:derived.roomEffect,sourceType:base.sourceType||'manual'});
    if(isEdit)rT[editingIndex]=txn; else rT.push(txn); uiPrefs.RRSP={inst,acct,type};
  }
  save(); render(); closeModal(); showToast((isEdit?'Saved changes to ':'Added ')+modalPlan+'.',true);
}
function delTxn(plan,idx){
  if(!confirm('Delete this transaction?'))return;
  const txns=plan==='TFSA'?tT:plan==='FHSA'?fT:rT, origIdx=(plan==='RRSP')?Number(idx):txns.indexOf(getTxnFilteredRows(plan)[idx]);
  if(origIdx>=0){const removed=txns.splice(origIdx,1)[0]; save(); render(); showToast(`Deleted ${plan} ${F(removed.amt)} on ${removed.d}`,true);}
}

// ═══════════════════════════════════════════════════
// CSV IMPORT/EXPORT — with duplicate detection
// ═══════════════════════════════════════════════════
function toCSV(rows){
  const esc=v=>{const s=String(v??'');return /[",\n]/.test(s)?'"'+s.replace(/"/g,'""')+'"':s};
  return rows.map(r=>r.map(esc).join(',')).join('\n');
}
function parseCSV(text){
  const rows=[];let row=[],cur='',q=false;
  const clean=String(text||'').replace(/^\uFEFF/,'');
  for(let i=0;i<clean.length;i++){
    const ch=clean[i],nx=clean[i+1];
    if(q){if(ch==='"'&&nx==='"'){cur+='"';i++}else if(ch==='"'){q=false}else{cur+=ch}}
    else{if(ch==='"'){q=true}else if(ch===','){row.push(cur);cur=''}else if(ch==='\n'){row.push(cur);rows.push(row);row=[];cur=''}else if(ch==='\r'){}else{cur+=ch}}
  }
  row.push(cur);if(row.length>1||row[0]!=='')rows.push(row);
  return rows;
}

function normalizeCompareAccount(plan, inst, acct){
  const canon=canonicalInstitutionName(inst);
  const ctx=(canon==='Wealthsimple')?'wealthsimple':'';
  return normalizeImportedAccount(plan, inst, acct, ctx);
}
function dateDiffDays(a,b){
  if(!a||!b)return 9999;
  const da=new Date(String(a)+'T12:00:00');
  const db=new Date(String(b)+'T12:00:00');
  if(Number.isNaN(+da)||Number.isNaN(+db))return 9999;
  return Math.round((da-db)/86400000);
}
function findDuplicateTxn(plan,txn,opts){
  const o=opts||{};
  const arr=plan==='TFSA'?tT:fT;
  const incomingId=String(txn.id||'').trim();
  const canonIncomingInst=o.canonicalize?canonicalInstitutionName(txn.inst):String(txn.inst||'');
  const canonIncomingAcct=o.canonicalize?normalizeCompareAccount(plan,txn.inst,txn.acct):String(txn.acct||'');
  const incomingDate=String(txn.d||'');
  const incomingType=String(txn.type||'');
  const incomingAmount=safeNum(txn.amt);
  const incomingFlag=plan==='TFSA'?String(txn.treat||'Include'):String(txn.status||'Include');
  const nearby=[];
  for(const t of arr){
    const existingId=String(t.id||'').trim();
    if(o.excludeId&&existingId===String(o.excludeId))continue;
    if(incomingId&&existingId&&existingId===incomingId)return {match:true,probable:false,existing:t,reason:'Duplicate ID already exists in the ledger.'};
    const sameInst=(o.canonicalize?canonicalInstitutionName(t.inst):String(t.inst||''))===canonIncomingInst;
    const sameAcct=(o.canonicalize?normalizeCompareAccount(plan,t.inst,t.acct):String(t.acct||''))===canonIncomingAcct;
    const sameType=String(t.type||'')===incomingType;
    const sameAmount=Math.abs(safeNum(t.amt)-incomingAmount)<0.005;
    const sameFlags=(plan==='TFSA'?String(t.treat||'Include'):String(t.status||'Include'))===incomingFlag;
    const sameNote=o.ignoreNote?true:(String(t.note||'').trim()===String(txn.note||'').trim());
    const sameDate=String(t.d||'')===incomingDate;
    if(sameInst&&sameAcct&&sameType&&sameAmount&&sameFlags){
      if(sameDate&&sameNote){
        if(o.respectDistinctIds&&incomingId&&existingId&&existingId!==incomingId)continue;
        return {match:true,probable:false,existing:t,reason:'Duplicate row already exists in the ledger.'};
      }
      nearby.push(t);
      continue;
    }
    if(o.allowDateTypeAmountMatch&&sameDate&&sameType&&sameAmount&&sameFlags){
      return {match:true,probable:false,existing:t,reason:'Duplicate row already exists in the ledger (CRA date / type / amount match).'};
    }
  }
  if(o.useProbableDateMatch){
    const close=nearby.filter(t=>Math.abs(dateDiffDays(t.d,txn.d))<=1);
    if(close.length===1){
      return {match:false,probable:true,existing:close[0],reason:`Probable duplicate — same account / type / amount already exists on ${close[0].d}.`};
    }
  }
  return {match:false,probable:false,existing:null,reason:''};
}

function duplicateStrictKey(plan,txn,opts){
  const o=opts||{};
  const inst=o.canonicalize?canonicalInstitutionName(txn.inst):String(txn.inst||'');
  const acct=o.canonicalize?normalizeCompareAccount(plan,txn.inst,txn.acct):String(txn.acct||'');
  const type=String(txn.type||'');
  const amount=safeNum(txn.amt).toFixed(2);
  const flag=plan==='TFSA'?String(txn.treat||'Include'):String(txn.status||'Include');
  const date=String(txn.d||'');
  const note=o.ignoreNote?'':String(txn.note||'').trim();
  return [plan,inst,acct,type,amount,date,flag,note].join('|');
}
function duplicateLooseKey(plan,txn,opts){
  const type=String(txn.type||'');
  const amount=safeNum(txn.amt).toFixed(2);
  const flag=plan==='TFSA'?String(txn.treat||'Include'):String(txn.status||'Include');
  const date=String(txn.d||'');
  return [plan,date,type,amount,flag].join('|');
}
function buildLedgerMatchPool(plan, arr, opts){
  return (arr||[]).map(t=>({txn:t,used:false,strictKey:duplicateStrictKey(plan,t,opts),looseKey:duplicateLooseKey(plan,t,opts)}));
}
function consumeLedgerPoolMatch(plan, txn, pool, opts){
  const strictKey=duplicateStrictKey(plan,txn,opts);
  for(const entry of (pool||[])){
    if(entry.used)continue;
    if(entry.strictKey===strictKey){
      entry.used=true;
      return {match:true,probable:false,existing:entry.txn,reason:'Duplicate row already exists in the ledger.'};
    }
  }
  if(opts&&opts.allowDateTypeAmountMatch){
    const looseKey=duplicateLooseKey(plan,txn,opts);
    for(const entry of (pool||[])){
      if(entry.used)continue;
      if(entry.looseKey===looseKey){
        entry.used=true;
        return {match:true,probable:false,existing:entry.txn,reason:'Duplicate row already exists in the ledger (CRA date / type / amount match).'};
      }
    }
  }
  return {match:false,probable:false,existing:null,reason:''};
}

function isDuplicateTxn(plan,txn,opts){
  const dup=findDuplicateTxn(plan,txn,opts);
  return dup.match||dup.probable;
}
function exportCSV(plan='ALL'){
  const rows=[["id","sequence","plan","date","institution","account","type","amount","treatment","status","note"]];
  const add=(p,t)=>{
    const flag=normalizeFlag(t.treat||t.status||'Include','Include');
    rows.push([t.id||'',t.seq||'',p,t.d||'',t.inst||'',t.acct||'',t.type||'',t.amt||'',flag,flag,t.note||'']);
  };
  if(plan==='ALL'||plan==='TFSA')tT.slice().sort(sortTxnsAsc).forEach(t=>add('TFSA',t));
  if(plan==='ALL'||plan==='FHSA')fT.slice().sort(sortTxnsAsc).forEach(t=>add('FHSA',t));
  if(plan==='ALL'||plan==='RRSP')rT.slice().sort(sortTxnsAsc).forEach(t=>rows.push([t.id||'',t.seq||'','RRSP',t.d||'',t.inst||'',t.acct||'',t.type||'',t.amt||'',t.window||'',t.roomEffect||'',t.note||'']));
  downloadCsvRows('tracker_'+String(plan).toLowerCase()+'_'+slugifyFilePart(getActiveProfileLabel())+'_'+todayISO()+'.csv',rows);
}
function downloadCSVTemplate(plan='ALL'){
  const rows=[["id","sequence","plan","date","institution","account","type","amount","treatment","status","note"]];
  if(plan==='ALL'||plan==='TFSA'){
    rows.push(["","","TFSA","2026-04-01","Wealthsimple","manual","Contribution","100.00","Include","Include","Optional note"]);
    rows.push(["","","TFSA","2026-04-15","Wealthsimple","manual","Transfer In","5000.00","Include","Include","Direct TFSA-to-TFSA transfer (room-neutral)"]);
  }
  if(plan==='ALL'||plan==='FHSA'){
    rows.push(["","","FHSA","2026-04-01","Wealthsimple","DEMO-FHSA-CAD-001","Contribution","100.00","Include","Include","Optional note"]);
    rows.push(["","","FHSA","2026-04-15","Wealthsimple","DEMO-FHSA-CAD-001","RRSP Transfer In","500.00","Include","Include","Counts against FHSA participation room"]);
    rows.push(["","","FHSA","2026-04-30","Wealthsimple","DEMO-FHSA-CAD-001","Taxable Withdrawal","250.00","Include","Include","Can create re-participation for a future year"]);
  }
  if(plan==='ALL'||plan==='RRSP'){
    rows.push(["","","RRSP","2026-02-28","Wealthsimple","DEMO-RRSP-CAD-001","First 60 Contribution","1500.00","first_60_days","consumes_room","RRSP first-60-days contribution for the prior filing year"]);
    rows.push(["","","RRSP","2026-03-08","Wealthsimple","DEMO-RRSP-CAD-001","Institutional Transfer In","9239.65","not_applicable","room_neutral","Registered RRSP transfer — does not consume room"]);
  }
  downloadCsvRows('tracker_'+String(plan).toLowerCase()+'_template.csv',rows);
}
function openCsvPicker(){const el=document.getElementById('csv-file');if(el){el.value='';el.click()}}
function importCSVText(text,fileName=''){
  const rows=parseCSV(text);
  if(rows.length<2){alert('CSV has no data rows.');return}
  const hdr=rows[0].map(h=>String(h||'').trim().toLowerCase());
  const idx=name=>hdr.indexOf(name);
  const missing=['plan','date','institution','account','type','amount'].filter(c=>idx(c)===-1);
  if(missing.length){alert('Missing CSV columns: '+missing.join(', '));return}
  const dateRe=/^\d{4}-\d{2}-\d{2}$/;
  let added=0,skipped=0;
  const invalidRows=[['row','reason','id','sequence','plan','date','institution','account','type','amount','treatment','status','note']];
  for(let i=1;i<rows.length;i++){
    const r=rows[i]; if(!r.some(v=>String(v||'').trim()))continue;
    const rowNo=i+1, plan=String(r[idx('plan')]||'').trim().toUpperCase(), d=String(r[idx('date')]||'').trim(), inst=String(r[idx('institution')]||'').trim(), acct=String(r[idx('account')]||'').trim()||'manual', rawType=String(r[idx('type')]||'').trim(), amt=safeNum(r[idx('amount')]||'0');
    const rawTreatment=idx('treatment')>-1?String(r[idx('treatment')]||'').trim():'', rawStatus=idx('status')>-1?String(r[idx('status')]||'').trim():'', note=idx('note')>-1?String(r[idx('note')]||'').trim():'', idVal=idx('id')>-1?String(r[idx('id')]||'').trim():'', seqVal=idx('sequence')>-1?safeNum(r[idx('sequence')]):0;
    const common=[idVal,seqVal||'',plan,d,inst,acct,rawType,amt,rawTreatment,rawStatus,note];
    if(!plan||!d||!inst||amt<=0||!dateRe.test(d)||!isRealIsoDate(d)){skipped++; invalidRows.push([rowNo,'Missing required field or invalid date/amount',...common]); continue;}
    if(plan==='TFSA'){ const type=normalizeTfsaType(rawType,{strict:true}); if(!type){skipped++; invalidRows.push([rowNo,'Unknown TFSA type',...common]); continue;} tT.push(ensureTxnIdentity('TFSA',{id:idVal,seq:seqVal,d,inst,acct,type,amt,treat:normalizeFlag(rawTreatment,'Include'),note})); added++; }
    else if(plan==='FHSA'){ const type=normalizeFhsaType(rawType,{strict:true}); if(!type){skipped++; invalidRows.push([rowNo,'Unknown FHSA type',...common]); continue;} fT.push(ensureTxnIdentity('FHSA',{id:idVal,seq:seqVal,d,inst,acct,type,amt,status:normalizeFlag(rawStatus,'Include'),note})); added++; }
    else if(plan==='RRSP'){ const type=normalizeRrspType(rawType), derived=deriveRrspTxnFields(type,d,rawTreatment,rawStatus); rT.push(ensureTxnIdentity('RRSP',{id:idVal,seq:seqVal,d,inst,acct,type,amt,note,taxYearTarget:derived.targetYear,window:derived.windowVal,roomEffect:derived.roomEffect,sourceType:'imported_csv'})); added++; }
    else { skipped++; invalidRows.push([rowNo,'Unknown plan',...common]); }
  }
  save(); render();
  let msg='Imported '+added+' transaction(s).'; if(skipped>0)msg+=' Skipped '+skipped+' invalid row(s).'; if(invalidRows.length>1)msg+=' An issues CSV was downloaded for review.'; alert(msg); if(invalidRows.length>1)downloadCsvRows('tracker_import_issues_'+todayISO()+'.csv',invalidRows);
}
function handleCsvFile(evt){
  const f=evt.target.files&&evt.target.files[0];if(!f)return;
  const reader=new FileReader();reader.onload=e=>importCSVText(String(e.target.result||''),f.name||'');reader.readAsText(f);
}


// ═══════════════════════════════════════════════════
// SETTINGS
// ═══════════════════════════════════════════════════

function buildSettingsTable(){
  const tbody=document.querySelector('#limits-table tbody');if(!tbody)return;
  const allowOfficial=!!document.getElementById('s-allow-official-overrides')?.checked;
  let html='';
  for(let y=2009;y<=Math.max(getCurrentYear()+5,2035);y++){
    const val=trackerConfig.tfsaAnnualLimits[y]??OFFICIAL_TFSA_LIMITS[y]??0;
    const official=OFFICIAL_TFSA_LIMITS[y]!==undefined;
    const disabled=official&&!allowOfficial?' disabled':'';
    const status=official?(allowOfficial?'CRA official — override enabled':'CRA official — locked'):'Editable future year';
    html+=`<tr><td class="mute">${y}</td><td class="r"><input type="number" step="0.01" data-year="${y}" class="limit-input t-input" value="${val}"${disabled}></td><td class="dim">${status}</td></tr>`;
  }
  tbody.innerHTML=html;
}
function openSettings(){
  document.getElementById('s-tfsa-start').value=trackerConfig.tfsaEligibleStartYear;
  document.getElementById('s-current-year').value=trackerConfig.currentYear;
  document.getElementById('s-fhsa-start').value=trackerConfig.fhsaFirstYear;
  document.getElementById('s-fhsa-annual').value=trackerConfig.fhsaAnnualLimit;
  document.getElementById('s-fhsa-life').value=trackerConfig.fhsaLifetimeLimit;
  document.getElementById('s-fhsa-carry').value=trackerConfig.fhsaCarryforwardCap;
  document.getElementById('s-fhsa-birth').value=trackerConfig.fhsaBirthDate||'';
  const toggle=document.getElementById('s-allow-official-overrides');
  if(toggle)toggle.checked=false;
  buildSettingsTable();
  document.getElementById('settings-modal').classList.remove('hidden');
}
function closeSettings(){document.getElementById('settings-modal').classList.add('hidden')}
function saveSettings(){
  const startVal=+document.getElementById('s-tfsa-start').value;
  const cyVal=+document.getElementById('s-current-year').value;
  const fhsaStartVal=+document.getElementById('s-fhsa-start').value;
  const annualVal=safeNum(document.getElementById('s-fhsa-annual').value);
  const lifeVal=safeNum(document.getElementById('s-fhsa-life').value);
  const carryVal=safeNum(document.getElementById('s-fhsa-carry').value);
  const birthVal=String(document.getElementById('s-fhsa-birth').value||'').trim();
  const allowOfficial=!!document.getElementById('s-allow-official-overrides')?.checked;
  if(!startVal||startVal<2009||startVal>2100){alert('TFSA start year must be between 2009 and 2100.');return}
  if(!cyVal||cyVal<2009||cyVal>2100){alert('Planning year must be between 2009 and 2100.');return}
  if(!fhsaStartVal||fhsaStartVal<2023){alert('FHSA start year must be 2023 or later.');return}
  if(annualVal<=0||lifeVal<=0||carryVal<=0){alert('FHSA limits must be positive numbers.');return}
  if(birthVal&&(!isRealIsoDate(birthVal)||parseIsoDate(birthVal).y>actualCalendarYear())){alert('Birth date must be a real calendar date in the past.');return}
  if(!confirm('Save these settings? This will recalculate all room and tax values.'))return;
  const backup=clone(trackerConfig);
  try{
    trackerConfig.tfsaEligibleStartYear=startVal;
    trackerConfig.currentYear=cyVal;
    trackerConfig.fhsaFirstYear=fhsaStartVal;
    trackerConfig.fhsaAnnualLimit=annualVal;
    trackerConfig.fhsaLifetimeLimit=lifeVal;
    trackerConfig.fhsaCarryforwardCap=carryVal;
    trackerConfig.fhsaBirthDate=birthVal;
    const limitInputs=document.querySelectorAll('.limit-input');
    if(limitInputs.length>0){
      const newLimits=Object.assign({},trackerConfig.tfsaAnnualLimits);
      limitInputs.forEach(inp=>{
        const y=+inp.dataset.year;
        if(OFFICIAL_TFSA_YEARS.has(y)&&!allowOfficial)newLimits[y]=OFFICIAL_TFSA_LIMITS[y];
        else newLimits[y]=safeNum(inp.value);
      });
      trackerConfig.tfsaAnnualLimits=newLimits;
    }
    closeSettings();save();render();
  }catch(e){
    console.error('Settings save failed, restoring backup:',e);
    trackerConfig=backup;
    alert('Error saving settings. Previous values restored.');
  }
}


function exportJSON(){
  ensureProfileState();
  captureCurrentProfile();
  const current=profileState.profiles[profileState.active];
  const data={profiles:profileState.profiles,activeProfile:profileState.active,config:current.config,prefs:current.prefs,tfsaTxns:current.t,fhsaTxns:current.f,rrsp:current.rrsp||{txns:clone(rT),annual:clone(rrspYears),receipts:clone(rrspReceipts),meta:clone(rrspMeta)}};
  const payload={schemaVersion:TRACKER_SCHEMA_VERSION,exportedAt:new Date().toISOString(),checksum:simpleChecksum(data),data};
  downloadTextFile('tracker_backup_'+slugifyFilePart(getActiveProfileLabel())+'_'+todayISO()+'.json',JSON.stringify(payload,null,2),'application/json');
}

function buildPrintableCraDrilldownHtml(tfsa,fhsa){
  const snaps=(uiPrefs&&uiPrefs.craSnapshots)||{};
  const blocks=[];
  if(snaps.tfsa&&snaps.tfsa.year){
    const year=+snaps.tfsa.year; const curr=tfsa.years&&tfsa.years[year]||{}; const prev=tfsa.years&&tfsa.years[year-1]||{};
    blocks.push(`<div class="snapshot"><h4>TFSA drill-down • ${year}</h4><div>Opening room formula: <b>${F(curr.openRoom)}</b></div><div>Prior net room ${F(prev.netRoom)} • withdrawal addback ${F(prev.addbackWD)} • ${year} limit ${F(curr.limit)}</div><div>Saved CRA room ${F(snaps.tfsa.amount)} • delta ${F(safeNum(curr.openRoom)-safeNum(snaps.tfsa.amount))}</div></div>`);
  }
  if(snaps.fhsa&&snaps.fhsa.year){
    const year=+snaps.fhsa.year; const curr=fhsa.years&&fhsa.years[year]||{};
    blocks.push(`<div class="snapshot"><h4>FHSA drill-down • ${year}</h4><div>Participation room formula: <b>${F(curr.participationRoom)}</b></div><div>Annual component ${F(curr.annualComponent)} • re-participation ${F(curr.reParticipationPrior)} • carryforward ${F(curr.carryforward)}</div><div>Saved CRA room ${F(snaps.fhsa.amount)} • delta ${F(safeNum(curr.participationRoom)-safeNum(snaps.fhsa.amount))}</div></div>`);
  }
  return blocks.length?`<h2>CRA drill-down summary</h2><div class="snapshot-grid">${blocks.join('')}</div>`:'';
}

function buildPrintableReportHtml(tfsa,fhsa,cy,tc,fc,tTot,fTot){
  const snaps=(uiPrefs&&uiPrefs.craSnapshots)||{};
  const importHist=(Array.isArray(uiPrefs&&uiPrefs.importHistory)?uiPrefs.importHistory:[]).slice(0,8);
  const activityHist=(Array.isArray(uiPrefs&&uiPrefs.activityLog)?uiPrefs.activityLog:[]).slice(0,10);
  const years=Object.keys(tfsa.years||{}).map(Number).filter(y=>y<=cy).sort((a,b)=>a-b).slice(-5);
  const tfsaRows=years.map(y=>{
    const r=tfsa.years[y]||{};
    return `<tr><td>${y}</td><td>${F(r.openRoom)}</td><td>${F(r.contribs)}</td><td>${F(r.withdrawals)}</td><td>${F(r.yeRoom)}</td><td>${F(r.yeExcess)}</td><td>${F(r.tax)}</td></tr>`;
  }).join('');
  const fhsaRows=years.map(y=>{
    const r=fhsa.years[y]||{};
    return `<tr><td>${y}</td><td>${F(r.participationRoom)}</td><td>${F(r.countedInflows)}</td><td>${F(r.taxableWithdrawals)}</td><td>${F(r.directTransfers)}</td><td>${F(r.yeRoom)}</td><td>${F(r.yeExcess)}</td><td>${F(r.tax)}</td></tr>`;
  }).join('');
  const alertLines=[];
  if(tTot>0.005)alertLines.push(`<li>TFSA modeled excess-tax exposure: <b>${F(tTot)}</b>.</li>`);
  if(fTot>0.005)alertLines.push(`<li>FHSA modeled excess-tax exposure: <b>${F(fTot)}</b>.</li>`);
  if(safeNum(fc.yeExcess)>0.005)alertLines.push(`<li>FHSA year-end excess currently modeled at <b>${F(fc.yeExcess)}</b>.</li>`);
  if(!alertLines.length)alertLines.push('<li>No excess-tax exposure is currently modeled from the active included rows.</li>');
  const snapshotCards=[];
  if(snaps.tfsa&&snaps.tfsa.year){
    const yr=tfsa.years[String(snaps.tfsa.year)]||{};
    snapshotCards.push(`<div class="snapshot"><h4>TFSA snapshot • ${escapeHtml(String(snaps.tfsa.year))}</h4><div>Ledger opening room: <b>${F(yr.openRoom)}</b></div><div>Saved CRA room: <b>${F(snaps.tfsa.amount)}</b></div><div>Delta: <b>${F(safeNum(yr.openRoom)-safeNum(snaps.tfsa.amount))}</b></div></div>`);
  }
  if(snaps.fhsa&&snaps.fhsa.year){
    const yr=fhsa.years[String(snaps.fhsa.year)]||{};
    snapshotCards.push(`<div class="snapshot"><h4>FHSA snapshot • ${escapeHtml(String(snaps.fhsa.year))}</h4><div>Ledger participation room: <b>${F(yr.participationRoom)}</b></div><div>Saved CRA room: <b>${F(snaps.fhsa.amount)}</b></div><div>Delta: <b>${F(safeNum(yr.participationRoom)-safeNum(snaps.fhsa.amount))}</b></div></div>`);
  }
  const importRows=importHist.length?importHist.map(item=>`<tr><td>${escapeHtml(formatDateTime(item.ts))}</td><td>${escapeHtml(item.kind||'')}</td><td>${escapeHtml(item.source||'')}</td><td>${escapeHtml(item.fileName||'')}</td><td>${item.rows!==undefined?item.rows:''}</td><td>${item.imported!==undefined?item.imported:''}</td><td>${item.skippedDuplicates!==undefined?item.skippedDuplicates:''}</td></tr>`).join(''):'<tr><td colspan="7">No import history stored for this profile.</td></tr>';
  const activityRows=activityHist.length?activityHist.map(item=>`<tr><td>${escapeHtml(formatDateTime(item.ts))}</td><td>${escapeHtml(item.kind||'')}</td><td>${escapeHtml(item.plan||'')}</td><td>${escapeHtml(item.date||'')}</td><td>${escapeHtml(item.type||'')}</td><td>${item.amount!==undefined?escapeHtml(F(item.amount)):''}</td><td>${escapeHtml(item.changeSummary||item.note||'')}</td></tr>`).join(''):'<tr><td colspan="7">No activity log stored for this profile.</td></tr>';
  const drillSummaryHtml=buildPrintableCraDrilldownHtml(tfsa,fhsa);
  return `<!DOCTYPE html><html lang="en"><head><meta charset="UTF-8"><title>TFSA & FHSA Summary Report</title><style>
    body{font-family:Arial,sans-serif;color:#111;margin:28px;background:#fff}
    .topbar{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;margin-bottom:18px}
    h1{margin:0;font-size:26px} h2{font-size:18px;margin:26px 0 10px} h3{font-size:15px;margin:0 0 8px}
    .muted{color:#555;font-size:12px;line-height:1.5}
    .grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
    .card,.snapshot{border:1px solid #d9dce8;border-radius:12px;padding:14px}
    .card .eyebrow{font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:#666;margin-bottom:6px}
    .card .value{font-size:24px;font-weight:700;margin-bottom:4px}
    table{border-collapse:collapse;width:100%;font-size:12px}
    th,td{border:1px solid #d9dce8;padding:7px 8px;text-align:left;vertical-align:top}
    th{background:#f5f7fb}
    ul{margin:8px 0 0 18px}
    .snapshot-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
    .foot{margin-top:18px;font-size:11px;color:#555;line-height:1.5}
    @media print{body{margin:16px}.no-print{display:none}.grid{break-inside:avoid}.card,.snapshot,table{break-inside:avoid}}
  

/* ── v14.13 mobile layout + tax card cleanup overrides ── */
@media (max-width:768px) and (pointer:coarse){
  .search-wrap{width:100%;margin-bottom:14px}
  .search-input{display:block;width:100% !important;max-width:none !important}

  .filter-grid{
    display:grid !important;
    grid-template-columns:repeat(2,minmax(0,1fr)) !important;
    gap:12px !important;
    align-items:start !important;
  }
  .filter-field,.filter-actions{min-width:0;width:100%}
  .filter-grid .filter-field:nth-child(5),
  .filter-grid .filter-actions{grid-column:1 / -1}
  .filter-field label{margin-bottom:6px}
  .filter-input,.filter-clear-btn{width:100%;min-height:48px}
  .filter-meta{margin:0;line-height:1.5}

  .tool-panel{padding:16px}
  .tool-panel h3{margin-bottom:14px}
  .tool-panel p.desc{margin-bottom:14px}
  .tool-row{
    display:grid !important;
    grid-template-columns:1fr !important;
    gap:12px !important;
    align-items:stretch !important;
  }
  .tool-row>div,
  .tool-row>.tool-action{
    width:100% !important;
    min-width:0 !important;
    flex:none !important;
  }
  .tool-row .t-input,
  .tool-row .add-btn{width:100% !important}
  .tool-row .tool-action .add-btn{min-height:48px}

  .mobile-actions-shell{display:block !important;width:100%}
  .mobile-actions-shell>.mobile-actions-toggle{
    display:block !important;
    width:100%;
    padding:12px 14px;
    border-radius:12px;
    min-height:46px;
  }
  .mobile-actions-shell>.mobile-actions-body{display:none !important;width:100%;padding-top:10px}
  .mobile-actions-shell[open]>.mobile-actions-body{
    display:grid !important;
    grid-template-columns:repeat(2,minmax(0,1fr)) !important;
    gap:12px !important;
    align-items:stretch !important;
  }
  .mobile-actions-shell>.mobile-actions-body>.action-cluster,
  .mobile-actions-shell>.mobile-actions-body>.action-cluster-primary,
  .mobile-actions-shell>.mobile-actions-body>.action-cluster-more,
  .mobile-actions-shell>.mobile-actions-body>.action-cluster-more>.more-menu{display:contents !important}
  .action-cluster-more .more-toggle{display:none !important}
  .mobile-actions-shell>.mobile-actions-body button,
  .mobile-actions-shell>.mobile-actions-body>.action-cluster-more>.more-menu button{
    width:100% !important;
    min-width:0 !important;
    min-height:48px !important;
    margin:0 !important;
    padding:0 12px !important;
    font-size:12px !important;
    line-height:1.25 !important;
    text-align:center !important;
    white-space:normal !important;
    display:flex !important;
    align-items:center !important;
    justify-content:center !important;
    justify-self:stretch !important;
  }
}

html.light .search-input,
html.light .filter-input{background:#fff;border-color:#d8dbe8;color:#334}


/* ===== v16.1 Pure UI polish pass ===== */
:root{
  --rm-surface-1:rgba(10,13,27,.90);
  --rm-surface-2:rgba(13,17,33,.84);
  --rm-surface-3:rgba(16,22,42,.58);
  --rm-border-soft:rgba(103,115,156,.16);
  --rm-border-strong:rgba(118,134,181,.24);
  --rm-text-main:#edf3ff;
  --rm-text-muted:#8e98b4;
  --rm-text-subtle:#68728e;
  --rm-radius-sm:12px;
  --rm-radius-md:16px;
  --rm-radius-lg:20px;
}
html.light{
  --rm-surface-1:rgba(255,255,255,.96);
  --rm-surface-2:rgba(250,251,255,.94);
  --rm-surface-3:rgba(236,241,251,.88);
  --rm-border-soft:rgba(175,186,212,.48);
  --rm-border-strong:rgba(154,168,201,.62);
  --rm-text-main:#17233c;
  --rm-text-muted:#66748f;
  --rm-text-subtle:#7b86a0;
}

.hdr{padding:16px 24px 12px;border-bottom-color:var(--rm-border-soft);background:rgba(7,10,21,.92)}
html.light .hdr{background:rgba(246,248,253,.94);border-bottom-color:var(--rm-border-soft)}
.hdr-top{margin-bottom:12px;position:relative}
.title-block{gap:12px}
.brand-mark{width:34px;height:34px;border-radius:11px;border-color:rgba(96,121,191,.24);box-shadow:0 8px 20px rgba(3,8,26,.18), inset 0 1px 0 rgba(255,255,255,.04)}
.brand-mark svg,.brand-mark img{width:20px;height:20px;filter:drop-shadow(0 2px 8px rgba(74,143,255,.18))}
.brand-copy{gap:2px}
.hdr h1.brand-name{font-size:21px;font-weight:700;letter-spacing:-.03em;color:var(--rm-text-main);line-height:1.03}
.brand-sub{font-size:10px;letter-spacing:1.2px;color:#9ac8ff;line-height:1.15;text-transform:uppercase}
.brand-meta{gap:8px}
.brand-country{padding:2px 7px;border-radius:999px;border-color:rgba(120,167,255,.22);background:rgba(17,27,58,.42);font-size:10px;font-weight:600;color:#dbe9ff;box-shadow:none}
.brand-flag{font-size:11px}
html.light .brand-country{background:rgba(255,255,255,.82);border-color:#d7dfef;color:#25406e;box-shadow:none}
.theme-toggle{width:38px;height:38px;padding:0;border-radius:12px;background:rgba(13,17,31,.62);border-color:rgba(96,110,153,.24);box-shadow:inset 0 1px 0 rgba(255,255,255,.03)}
.theme-toggle:hover{background:rgba(21,28,50,.86);border-color:rgba(91,127,220,.42);color:#eef5ff}
html.light .theme-toggle{background:rgba(255,255,255,.9);border-color:#d7ddec;color:#52607e;box-shadow:0 1px 0 rgba(255,255,255,.72) inset}

.nav{gap:8px}
.nav button{min-height:40px;padding:0 14px;border-radius:12px;font-size:13.5px;font-weight:620;letter-spacing:-.01em;color:#9aa4c0}
.nav button:hover{color:#edf3ff;background:rgba(255,255,255,.04)}
.nav button.active{background:#3570f0;color:#fff;box-shadow:0 8px 18px rgba(49,95,219,.22), inset 0 1px 0 rgba(255,255,255,.16)}
.nav button.sec{min-height:38px;padding:0 12px;border-radius:12px;border-color:var(--rm-border-soft);background:rgba(16,21,38,.70);color:#cad5ef;font-size:12px;font-weight:620}
.nav button.sec:hover{border-color:rgba(88,124,221,.42);background:rgba(22,29,50,.90)}
html.light .nav button{color:#6a7692}
html.light .nav button:hover{color:#1e2b46;background:rgba(23,37,84,.06)}
html.light .nav button.active{color:#fff}
html.light .nav button.sec{background:rgba(255,255,255,.86);border-color:#d9dfeb;color:#3f4d68}
html.light .nav button.sec:hover{background:#fff;border-color:#b7c4df;color:#273553}

.action-cluster{gap:8px;padding:7px 10px;border-radius:16px;border-color:var(--rm-border-soft);background:rgba(12,16,31,.56);box-shadow:inset 0 1px 0 rgba(255,255,255,.03)}
.profile-cluster{background:rgba(10,16,33,.94);border-color:rgba(74,106,182,.30);box-shadow:0 0 0 1px rgba(37,99,235,.05) inset}
.action-cluster-secondary{background:rgba(27,21,38,.36);border-color:rgba(124,101,147,.18)}
html.light .action-cluster{background:rgba(255,255,255,.86);border-color:#dde4f0;box-shadow:0 1px 0 rgba(255,255,255,.8) inset}
html.light .profile-cluster{background:#f5f9ff;border-color:#cfd9ee;box-shadow:0 1px 0 rgba(255,255,255,.75) inset}
html.light .action-cluster-secondary{background:#fafaff;border-color:#e3dcef}

.main{padding:26px;max-width:1220px}
.section-divider{background:rgba(95,112,160,.18);margin:30px 0}
.view-title{font-size:19px;letter-spacing:-.02em}
.section-head{gap:12px;margin-bottom:18px}

.card,.panel,.cra,.tool-panel,.smart-tips,.import-busy,.backup-banner,.limits-scroll,.recon-card,.drill-card,.pwa-panel{border-radius:14px}
.card{padding:20px 22px;border-color:var(--rm-border-soft);background:rgba(10,13,26,.94);box-shadow:0 4px 12px rgba(3,7,18,.08)}
.card:hover{transform:translateY(-1px);box-shadow:0 16px 28px rgba(3,7,18,.18)}
.card-label{font-size:10px;letter-spacing:1.35px;color:#8490ab}
.card-val{font-size:25px;letter-spacing:-.04em}
.card-sub{color:#6e7894}
.card-progress{height:3px;background:rgba(87,100,139,.24)}
.panel,.cra,.tool-panel,.smart-tips,.backup-banner,.limits-scroll,.recon-card,.drill-card,.pwa-panel{border-color:var(--rm-border-soft);box-shadow:0 4px 12px rgba(3,7,18,.08)}
.panel-title,.tool-panel h3,.cra h3,.smart-tips h3{font-size:15px;letter-spacing:-.01em}
.panel-text,.tool-panel p.desc,.cra p,.tip,.panel-sub{color:var(--rm-text-muted)}
.tip{border-bottom-color:rgba(90,102,141,.16)}

.search-wrap,.import-preview-wrap,.activity-log,.import-history{border-radius:18px}
.search-input,.filter-input,.filter-clear-btn,.t-input,.profile-select,.heatmap-mode-select{border-radius:14px;border-color:rgba(92,104,145,.22);background:#111523;box-shadow:inset 0 1px 0 rgba(255,255,255,.02)}
.search-input,.filter-input,.t-input{min-height:48px;padding:11px 14px}
.profile-select,.heatmap-mode-select{min-height:44px}
.filter-clear-btn{min-height:48px;padding:0 14px}
.search-input::placeholder,.filter-input::placeholder,.t-input::placeholder{color:#67728f}
.filter-field label,.panel-sub,.tool-panel p.desc,.heatmap-note,.filter-meta,.panel-title{color:var(--rm-text-muted)}
html.light .search-input,html.light .filter-input,html.light .filter-clear-btn,html.light .t-input,html.light .profile-select,html.light .heatmap-mode-select{background:#fff;border-color:#d8dfec;box-shadow:0 1px 0 rgba(255,255,255,.78) inset}

.tool-panel.blue{background:rgba(10,15,28,.94);border-color:rgba(77,104,170,.24)}
.tool-panel.purple{background:rgba(15,11,28,.94);border-color:rgba(103,77,170,.24)}
.tool-row{gap:14px;margin-bottom:14px}
.tool-row>div{min-width:160px}
.tool-result{border-radius:16px;border-color:var(--rm-border-soft);background:rgba(10,13,26,.76)}

.filter-grid{gap:10px}
.filter-input[type="date"]{min-width:0}
.search-input{max-width:none;width:100%}

th{padding:11px 12px;color:#7f89a3;letter-spacing:1.1px;border-bottom-color:rgba(87,100,139,.18)}
td{padding:10px 12px;border-bottom-color:rgba(60,69,97,.20)}
tr.summary-row td{border-top-color:rgba(96,117,173,.30);background:linear-gradient(180deg,rgba(37,99,235,.08),rgba(37,99,235,.03));font-weight:700;color:#eef4ff}
tr.summary-row td:first-child{border-left:1px solid transparent}
tr.summary-row:hover{background:transparent}
html.light tr.summary-row td{border-top-color:#cfdaf1;background:linear-gradient(180deg,rgba(37,99,235,.08),rgba(37,99,235,.04));color:#1d3357}
html.light th{color:#75829e;border-bottom-color:#dbe3f0}
html.light td{border-bottom-color:#e6ebf4}

table.mobile-stack tr{border-radius:12px;border-color:var(--rm-border-soft);background:rgba(10,13,26,.94);padding:14px 16px;box-shadow:0 3px 10px rgba(3,7,18,.06)}
table.mobile-stack td{padding:10px 0;border-bottom-color:rgba(88,101,141,.16)}
table.mobile-stack td::before{color:#7c87a2}
table.mobile-stack tr.summary-row{background:linear-gradient(180deg,rgba(37,99,235,.10),rgba(37,99,235,.04));border-color:rgba(84,123,214,.22)}
html.light table.mobile-stack tr{background:#fff;border-color:#dde4f1;box-shadow:0 8px 18px rgba(39,51,89,.06)}
html.light table.mobile-stack td{border-bottom-color:#e8edf6}
html.light table.mobile-stack tr.summary-row{background:linear-gradient(180deg,rgba(37,99,235,.08),rgba(37,99,235,.03));border-color:#d4dff5}

.nav-scroll-hint{color:#7e8aa6;letter-spacing:.035em}
.nav-scroll-hint-icon{opacity:.85}
html.light .nav-scroll-hint{color:#6f7d97}

@media(max-width:768px){
  .hdr{padding:14px 16px 12px}
  .hdr-top{display:flex;justify-content:center;align-items:center;min-height:42px;margin-bottom:10px}
  .title-block{justify-content:center;margin:0 auto;gap:10px}
  .brand-copy{align-items:center;text-align:center}
  .brand-meta{justify-content:center;gap:6px}
  .brand-sub{font-size:9px;letter-spacing:1.3px}
  .brand-country{padding:2px 6px;font-size:9px}
  .theme-toggle{position:absolute;right:0;top:50%;transform:translateY(-50%);width:36px;height:36px}
  .nav-rows{gap:8px}
  .nav-main{display:flex !important;justify-content:flex-start !important;flex-wrap:nowrap !important;overflow-x:auto;width:100%;gap:8px;padding:2px 2px 4px;scroll-snap-type:x proximity;-webkit-overflow-scrolling:touch;scrollbar-width:none}
  .nav-main::-webkit-scrollbar{display:none}
  .nav-main button{flex:0 0 auto;width:auto;min-width:max-content;min-height:42px;padding:0 15px;font-size:13.5px;border-radius:13px;scroll-snap-align:start}
  .nav-scroll-hint{justify-content:center;margin-top:-2px;min-height:14px;font-size:10px;opacity:.88}
  .action-cluster{border-radius:14px}
  .profile-cluster{padding:7px 8px !important;gap:8px !important;grid-template-columns:max-content minmax(0,1fr) 40px !important}
  .profile-cluster .profile-chip{font-size:10px;letter-spacing:.16em;color:#9ecbff}
  .profile-select{height:44px !important;border-radius:12px}
  .profile-rename-btn{height:44px !important;min-width:40px !important;border-radius:12px;font-size:13px}
  .mobile-actions-toggle{min-height:44px;border-radius:14px;font-size:14px;font-weight:700}
  .mobile-actions-shell>.mobile-actions-body{gap:10px !important;padding-top:10px !important}
  .mobile-actions-shell>.mobile-actions-body>.mobile-action-btn{min-height:44px !important;border-radius:12px;font-size:12px}
  .main{padding:20px 16px}
  .section-head{margin-bottom:16px}
  .view-title{font-size:18px}
  .card,.panel,.cra,.tool-panel,.smart-tips,.backup-banner,.limits-scroll,.recon-card,.drill-card,.pwa-panel{border-radius:12px}
  .card{padding:18px 18px}
  .card-val{font-size:23px}
  .search-input,.filter-input,.filter-clear-btn,.t-input{min-height:46px}
  .filter-grid{gap:10px}
  table.mobile-stack tr{padding:13px 14px}
}

@media(max-width:380px){
  .nav-main button{padding:0 13px;font-size:13px}
  .brand-country{display:none}
  .card-val{font-size:21px}
}



/* ===== v16.3 Branding rollback / refinement pass ===== */
.title-block{gap:10px;min-width:0}
.brand-mark{width:32px;height:32px;border-radius:10px;background:rgba(12,17,34,.92);border-color:rgba(10,14,29,.92));border:1px solid rgba(86,111,182,.24);box-shadow:0 8px 18px rgba(3,8,26,.18),inset 0 1px 0 rgba(255,255,255,.03)}
.brand-mark svg{width:18px;height:18px;filter:none}
.brand-copy{display:flex;align-items:center;gap:8px;min-width:0}
.hdr h1.brand-name{font-size:17px;font-weight:700;letter-spacing:-.025em;line-height:1;color:var(--rm-text-main);margin:0}
.brand-meta,.brand-sub,.brand-country{display:none !important}
.brand-country-inline{display:inline-flex;align-items:center;gap:5px;font-size:11px;font-weight:600;letter-spacing:.01em;color:#8fa7d6;white-space:nowrap}
.brand-country-inline .brand-flag{font-size:12px;line-height:1}
.hdr-top{margin-bottom:8px}
.nav-rows{gap:8px}
.nav-actions{gap:8px;padding-top:8px}
.action-cluster{background:rgba(10,14,28,.68);border-color:rgba(54,72,118,.36);box-shadow:none}
.profile-cluster{padding:6px 8px !important;gap:8px !important;grid-template-columns:max-content minmax(180px,1fr) 40px !important;min-height:56px}
.profile-cluster .profile-chip{display:inline-flex !important;align-items:center;justify-content:center;min-height:32px;padding:0 10px !important;border-radius:999px;background:rgba(37,99,235,.08);border:1px solid rgba(63,131,248,.18);font-size:10px;letter-spacing:.16em;color:#9ecbff;white-space:nowrap;text-transform:uppercase}
.profile-select{height:42px !important;border-radius:12px;padding:0 34px 0 14px}
.profile-rename-btn{height:40px !important;min-width:40px !important;border-radius:12px}
.nav button.sec{min-height:40px;border-radius:12px;font-size:11.5px;padding:8px 13px}
.nav-main{margin-bottom:2px}
.theme-toggle{width:36px;height:36px;border-radius:11px}
html.light .brand-country-inline{color:#5b6f93}
html.light .brand-mark{background:#f7f9fd;border-color:#d8deea;box-shadow:0 8px 18px rgba(17,24,39,.06),inset 0 1px 0 rgba(255,255,255,.75)}
html.light .profile-cluster .profile-chip{background:rgba(37,99,235,.06);border-color:rgba(37,99,235,.12);color:#1d4ed8}
@media (max-width: 768px){
  .hdr-top{justify-content:center;position:relative;padding-right:44px}
  .theme-toggle{position:absolute;right:0;top:50%;transform:translateY(-50%)}
  .title-block{justify-content:center}
  .brand-copy{gap:0;justify-content:center}
  .brand-country-inline{display:none}
  .hdr h1.brand-name{font-size:18px;text-align:center}
  .profile-cluster{grid-template-columns:minmax(0,1fr) 44px !important;gap:8px !important;padding:8px !important;min-height:auto}
  .profile-cluster .profile-chip{display:none !important}
  .profile-select{grid-column:1;height:44px !important}
  .profile-rename-btn{grid-column:2;height:44px !important;min-width:44px !important}
  .nav-actions{padding-top:6px;gap:8px}
  .mobile-actions-toggle{border-radius:12px}
}


/* ── v16.4 header refinement: cleaner brand presence + balanced toolbar ── */
.title-block{gap:12px;min-width:0}
.brand-mark{width:40px;height:40px;border-radius:13px;background:rgba(10,15,30,.96);border:1px solid rgba(93,118,190,.26);box-shadow:0 10px 22px rgba(2,8,24,.18), inset 0 1px 0 rgba(255,255,255,.04)}
.brand-mark svg{width:22px;height:22px;filter:none}
.brand-copy{display:flex;align-items:center;gap:10px;min-width:0}
.hdr h1.brand-name{font-size:22px;font-weight:720;letter-spacing:-.035em;line-height:1;color:var(--rm-text-main);margin:0;white-space:nowrap}
.brand-country-inline{display:inline-flex;align-items:center;gap:0;font-size:12px;font-weight:600;letter-spacing:.01em;color:#8fa8cf;white-space:nowrap;opacity:.95}
.brand-country-inline::before{content:"";display:inline-block;width:6px;height:6px;border-radius:999px;background:#ef4444;box-shadow:0 0 0 2px rgba(239,68,68,.12);margin-right:8px;transform:translateY(.5px)}
html.light .brand-mark{background:#f7f9fd;border-color:#d8deea;box-shadow:0 8px 18px rgba(17,24,39,.06), inset 0 1px 0 rgba(255,255,255,.82)}
html.light .brand-country-inline{color:#52698f}
html.light .brand-country-inline::before{box-shadow:0 0 0 2px rgba(239,68,68,.08)}
.nav.nav-actions,.nav-actions{align-items:center}
.nav-actions{padding-top:10px;gap:10px}
.action-cluster{align-items:center;padding:8px 10px;border-radius:16px;min-height:58px;box-sizing:border-box}
.action-cluster button,.action-cluster .profile-select{min-height:42px}
.action-cluster button{display:inline-flex;align-items:center;justify-content:center}
.profile-cluster{padding:8px 10px !important;gap:10px !important;grid-template-columns:max-content minmax(190px,1fr) 44px !important;min-height:58px;align-items:center}
.profile-cluster .profile-chip{min-height:34px;padding:0 11px !important}
.profile-select{height:42px !important}
.profile-rename-btn{height:42px !important;min-width:42px !important;font-size:13px}
@media(max-width:768px){
  .title-block{gap:10px;justify-content:center}
  .brand-mark{width:34px;height:34px;border-radius:12px}
  .brand-mark svg{width:19px;height:19px}
  .hdr h1.brand-name{font-size:19px;text-align:center}
  .brand-copy{gap:0;justify-content:center}
  .brand-country-inline{display:none}
}


/* ===== v16.16 mobile safe-area + profile width + annual summary polish ===== */
@media (max-width: 768px), (pointer: coarse) {
  .hdr {
    padding-top: calc(env(safe-area-inset-top, 0px) + 24px) !important;
    padding-bottom: 8px !important;
  }
  .hdr-top {
    min-height: 58px !important;
    margin-bottom: 8px !important;
    padding-right: 54px !important;
    align-items: flex-start !important;
  }
  .brand-lockup {
    padding-top: 2px !important;
  }
  .theme-toggle {
    position: absolute !important;
    top: calc(env(safe-area-inset-top, 0px) + 4px) !important;
    right: 0 !important;
    transform: none !important;
    width: 38px !important;
    height: 38px !important;
  }
  .nav-rows {
    gap: 6px !important;
  }
  .action-cluster.profile-cluster,
  .profile-cluster {
    width: 100% !important;
    display: grid !important;
    grid-template-columns: minmax(0, 1fr) 48px !important;
    align-items: center !important;
    gap: 10px !important;
    padding: 8px !important;
    min-height: 0 !important;
    box-sizing: border-box !important;
  }
  .profile-cluster .profile-chip {
    display: none !important;
  }
  .profile-select {
    grid-column: 1 !important;
    width: 100% !important;
    min-width: 0 !important;
    height: 46px !important;
  }
  .profile-rename-btn {
    grid-column: 2 !important;
    width: 48px !important;
    min-width: 48px !important;
    height: 46px !important;
    min-height: 46px !important;
  }
  .mobile-actions-toggle {
    min-height: 46px !important;
  }
  table.mobile-stack tr.summary-row {
    border-radius: 20px !important;
    overflow: hidden !important;
    border: 1px solid rgba(76, 109, 185, .26) !important;
    background: linear-gradient(180deg, rgba(11,17,35,.98), rgba(8,12,24,.94)) !important;
    box-shadow: 0 10px 24px rgba(3,7,18,.12) !important;
    padding: 12px 14px !important;
    margin-top: 14px !important;
  }
  table.mobile-stack tr.summary-row td {
    padding: 12px 0 !important;
    border-bottom: 1px solid rgba(88,101,141,.16) !important;
  }
  table.mobile-stack tr.summary-row td:first-child {
    padding-top: 4px !important;
  }
  table.mobile-stack tr.summary-row td:last-child {
    border-bottom: none !important;
    padding-bottom: 4px !important;
  }
  table.mobile-stack tr.summary-row td::before {
    color: #9ecbff !important;
    font-weight: 700 !important;
  }
}
html.light table.mobile-stack tr.summary-row {
  border-color: #cfdcf4 !important;
  background: linear-gradient(180deg, #f8fbff, #f4f8ff) !important;
  box-shadow: 0 8px 18px rgba(39,51,89,.06) !important;
}
html.light table.mobile-stack tr.summary-row td {
  border-bottom-color: #e6edf8 !important;
}
html.light table.mobile-stack tr.summary-row td::before {
  color: #1d4ed8 !important;
}


/* ===== v16.17 mobile header toggle placement + annual summary normalization ===== */
@media (max-width: 768px), (pointer: coarse) {
  .hdr {
    padding-top: calc(env(safe-area-inset-top, 0px) + 18px) !important;
    padding-bottom: 8px !important;
  }
  .hdr-top {
    display: grid !important;
    grid-template-columns: minmax(0,1fr) auto !important;
    align-items: center !important;
    column-gap: 10px !important;
    min-height: 44px !important;
    margin-bottom: 8px !important;
    padding-right: 0 !important;
  }
  .title-block {
    justify-content: flex-start !important;
    align-items: center !important;
    margin: 0 !important;
    max-width: none !important;
  }
  .brand-copy {
    align-items: flex-start !important;
    text-align: left !important;
  }
  .theme-toggle {
    position: static !important;
    top: auto !important;
    right: auto !important;
    transform: none !important;
    justify-self: end !important;
    align-self: center !important;
    margin: 0 !important;
    width: 38px !important;
    height: 38px !important;
    min-width: 38px !important;
    min-height: 38px !important;
    z-index: 1 !important;
  }
  .nav-rows {
    gap: 6px !important;
  }
  table.mobile-stack tr.summary-row {
    border-radius: 18px !important;
    border: 1px solid var(--rm-border-soft) !important;
    background: linear-gradient(180deg,rgba(10,13,27,.95),rgba(9,12,24,.90)) !important;
    box-shadow: 0 8px 20px rgba(3,7,18,.12) !important;
    padding: 14px 16px !important;
    margin-top: 10px !important;
    overflow: visible !important;
  }
  table.mobile-stack tr.summary-row td {
    padding: 10px 0 !important;
    border-bottom: 1px solid rgba(88,101,141,.16) !important;
    background: transparent !important;
    color: inherit !important;
  }
  table.mobile-stack tr.summary-row td:first-child {
    padding-top: 10px !important;
  }
  table.mobile-stack tr.summary-row td:last-child {
    border-bottom: none !important;
    padding-bottom: 10px !important;
    border-radius: 0 !important;
  }
  table.mobile-stack tr.summary-row td::before {
    color: #7c87a2 !important;
    font-weight: 600 !important;
  }
}
html.light table.mobile-stack tr.summary-row {
  border-color: #dde4f1 !important;
  background: #fff !important;
  box-shadow: 0 8px 18px rgba(39,51,89,.06) !important;
}
html.light table.mobile-stack tr.summary-row td {
  border-bottom-color: #e8edf6 !important;
  background: transparent !important;
  color: inherit !important;
}
html.light table.mobile-stack tr.summary-row td::before {
  color: #667 !important;
}



/* ===== v16.18 mobile brand centering + annual summary same-as-others ===== */
@media (max-width:768px){
  .hdr{padding-top:calc(18px + env(safe-area-inset-top,0px)) !important;padding-bottom:12px !important;}
  .hdr-top{display:grid !important;grid-template-columns:44px 1fr 44px !important;align-items:center !important;column-gap:12px !important;margin-bottom:10px !important;}
  .title-block{grid-column:2 !important;justify-self:center !important;display:flex !important;align-items:center !important;gap:12px !important;margin:0 !important;padding:0 !important;}
  .brand-mark{width:36px !important;height:36px !important;flex:0 0 36px !important;margin:0 !important;}
  .brand-mark svg{width:22px !important;height:22px !important;}
  .brand-copy{display:flex !important;flex-direction:column !important;align-items:flex-start !important;justify-content:center !important;gap:3px !important;min-width:0 !important;}
  .hdr h1.brand-name{font-size:19px !important;line-height:1 !important;margin:0 !important;text-align:left !important;}
  .brand-sub{font-size:10px !important;letter-spacing:.14em !important;line-height:1 !important;justify-content:flex-start !important;white-space:nowrap !important;}
  .theme-toggle{grid-column:3 !important;justify-self:end !important;align-self:center !important;position:static !important;transform:none !important;top:auto !important;right:auto !important;margin:0 !important;}
  .nav-rows{margin-top:2px !important;gap:6px !important;}

  table.mobile-stack tr.summary-row{
    background:rgba(10,13,26,.94) !important;
    border:1px solid var(--rm-border-soft) !important;
    border-radius:18px !important;
    padding:14px 16px !important;
    box-shadow:0 3px 10px rgba(3,7,18,.06) !important;
  }
  table.mobile-stack tr.summary-row td{
    padding:10px 0 !important;
    border-bottom:1px solid rgba(88,101,141,.16) !important;
    background:transparent !important;
    color:inherit !important;
  }
  table.mobile-stack tr.summary-row td::before{color:#7c87a2 !important;}
  table.mobile-stack tr.summary-row td:first-child,
  table.mobile-stack tr.summary-row td:last-child{border-radius:0 !important;}
  html.light table.mobile-stack tr.summary-row{
    background:#fff !important;
    border-color:#dde4f1 !important;
    box-shadow:0 8px 18px rgba(39,51,89,.06) !important;
  }
  html.light table.mobile-stack tr.summary-row td{
    border-bottom-color:#e8edf6 !important;
    background:transparent !important;
    color:inherit !important;
  }
  html.light table.mobile-stack tr.summary-row td::before{color:#667 !important;}
}



/* ===== v16.19 mobile title centering + annual summary row normalization ===== */
@media (max-width:768px){
  .hdr{padding-top:calc(env(safe-area-inset-top,0px) + 18px) !important;}
  .hdr-top{
    position:relative !important;
    display:flex !important;
    justify-content:center !important;
    align-items:center !important;
    min-height:72px !important;
    margin-bottom:10px !important;
    padding-right:56px !important;
  }
  .title-block{
    width:100% !important;
    display:flex !important;
    justify-content:center !important;
    align-items:center !important;
    gap:12px !important;
    margin:0 auto !important;
    text-align:center !important;
  }
  .brand-copy{
    align-items:center !important;
    justify-content:center !important;
    text-align:center !important;
  }
  .hdr h1.brand-name{ text-align:center !important; }
  .brand-sub{justify-content:center !important; text-align:center !important; width:auto !important;}
  .theme-toggle{
    position:absolute !important;
    right:0 !important;
    top:50% !important;
    transform:translateY(-50%) !important;
    margin:0 !important;
    width:42px !important;
    height:42px !important;
  }

  table.mobile-stack tr.summary-row{
    background:#0a0a1a !important;
    border:1px solid #1a1a3a !important;
    border-radius:14px !important;
    box-shadow:none !important;
  }
  table.mobile-stack tr.summary-row td{
    border-top:none !important;
    background:transparent !important;
    font-weight:inherit !important;
    color:inherit !important;
  }
  table.mobile-stack tr.summary-row td:first-child{padding-top:0 !important;}
  table.mobile-stack tr.summary-row td:last-child{border-bottom:none !important;}
  table.mobile-stack tr.summary-row td::before{color:#667 !important;}

  html.light table.mobile-stack tr.summary-row{
    background:#fff !important;
    border:1px solid #e0e0e8 !important;
    box-shadow:none !important;
  }
  html.light table.mobile-stack tr.summary-row td{
    background:transparent !important;
    border-top:none !important;
    color:inherit !important;
  }
  html.light table.mobile-stack tr.summary-row td::before{color:#667 !important;}
}

</style></head><body>
  <div class="topbar"><div><h1>TFSA & FHSA Summary Report</h1><div class="muted"><b>Profile:</b> ${escapeHtml(getActiveProfileLabel())}<br><b>Generated:</b> ${escapeHtml(formatDateTime(Date.now()))}<br><b>Planning year:</b> ${cy}</div></div><div class="no-print"><button onclick="window.print()" style="padding:10px 14px;border-radius:10px;border:1px solid #c9cfe5;background:#fff;cursor:pointer">Print / Save as PDF</button></div></div>
  <div class="grid">
    <div class="card"><div class="eyebrow">TFSA room remaining</div><div class="value">${F(tc.yeRoom)}</div><div class="muted">Opening room ${F(tc.openRoom)} • YTD contributions ${F(tc.contribs)}</div></div>
    <div class="card"><div class="eyebrow">FHSA room remaining</div><div class="value">${F(fc.yeRoom)}</div><div class="muted">Participation room ${F(fc.participationRoom)} • counted inflows ${F(fc.countedInflows)}</div></div>
    <div class="card"><div class="eyebrow">Indicative excess tax</div><div class="value">${F(tTot+fTot)}</div><div class="muted">TFSA ${F(tTot)} • FHSA ${F(fTot)}</div></div>
    <div class="card"><div class="eyebrow">TFSA transactions</div><div class="value">${tT.length}</div><div class="muted">Active ledger rows in this profile</div></div>
    <div class="card"><div class="eyebrow">FHSA transactions</div><div class="value">${fT.length}</div><div class="muted">Active ledger rows in this profile</div></div>
    <div class="card"><div class="eyebrow">FHSA lifetime used</div><div class="value">${F(fc.lifetimeUsed)}</div><div class="muted">Lifetime left ${F(fc.lifetimeLeft)}</div></div>
  </div>
  <h2>Risk and reconciliation highlights</h2>
  <ul>${alertLines.join('')}</ul>
  ${snapshotCards.length?`<h2>Saved CRA snapshots</h2><div class="snapshot-grid">${snapshotCards.join('')}</div>`:''}
  ${drillSummaryHtml}
  <h2>Recent TFSA annual roll-forward</h2>
  <table><thead><tr><th>Year</th><th>Open room</th><th>Contribs</th><th>Withdrawals</th><th>Year-end room</th><th>Year-end excess</th><th>Tax</th></tr></thead><tbody>${tfsaRows}</tbody></table>
  <h2>Recent FHSA annual roll-forward</h2>
  <table><thead><tr><th>Year</th><th>Participation room</th><th>Counted inflows</th><th>Taxable withdrawals</th><th>Direct transfers</th><th>Year-end room</th><th>Year-end excess</th><th>Tax</th></tr></thead><tbody>${fhsaRows}</tbody></table>
  <h2>Recent import history</h2>
  <table><thead><tr><th>Timestamp</th><th>Kind</th><th>Source</th><th>File</th><th>Rows</th><th>Imported</th><th>Dupes skipped</th></tr></thead><tbody>${importRows}</tbody></table>
  <h2>Recent ledger activity</h2>
  <table><thead><tr><th>Timestamp</th><th>Kind</th><th>Plan</th><th>Date</th><th>Type</th><th>Amount</th><th>Details</th></tr></thead><tbody>${activityRows}</tbody></table>
  <div class="foot">This browser-generated report is intended for personal record-keeping. Use the print dialog destination <b>Save as PDF</b> to create a PDF copy. Verify any filing decisions against CRA records and professional advice.</div>
  
<style id="v15-7-ui-polish">
/* v15.7 UI polish — annual summary row formatting + mobile title/tab refinement */
tr.summary-row td{
  background:linear-gradient(135deg,rgba(22,28,58,.96),rgba(6,10,32,.92));
  border-top:1px solid #33406a;
  border-bottom:1px solid #1a2240;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.03);
}
tr.summary-row td:first-child{
  border-left:1px solid #33406a;
  border-radius:14px 0 0 14px;
}
tr.summary-row td:last-child{
  border-right:1px solid #33406a;
  border-radius:0 14px 14px 0;
}
tr.summary-row:hover td{background:linear-gradient(135deg,rgba(27,35,71,.98),rgba(7,12,36,.95));}
html.light tr.summary-row td{
  background:linear-gradient(135deg,#eef4ff,#ffffff);
  border-top:1px solid #cbd9f6;
  border-bottom:1px solid #dfe7f6;
  box-shadow:none;
}
html.light tr.summary-row td:first-child{border-left:1px solid #cbd9f6;}
html.light tr.summary-row td:last-child{border-right:1px solid #cbd9f6;}
html.light tr.summary-row:hover td{background:linear-gradient(135deg,#e8f0ff,#ffffff);}

@media (max-width:768px){
  table.mobile-stack tr.summary-row{
    background:linear-gradient(135deg,rgba(16,24,56,.98),rgba(6,10,28,.96));
    border:1px solid #33406a;
    box-shadow:0 8px 18px rgba(0,0,0,.18);
  }
  table.mobile-stack tr.summary-row td{
    background:transparent !important;
    border-top:none !important;
    border-bottom:1px solid #17203a !important;
    padding:11px 0;
  }
  table.mobile-stack tr.summary-row td::before{color:#8ec5ff !important;}
  table.mobile-stack tr.summary-row td:last-child{border-bottom:none !important;}
  html.light table.mobile-stack tr.summary-row{
    background:linear-gradient(135deg,#eef4ff,#ffffff);
    border-color:#cbd9f6;
    box-shadow:0 6px 14px rgba(15,23,42,.06);
  }
  html.light table.mobile-stack tr.summary-row td{border-bottom:1px solid #e1e8f5 !important;}
  html.light table.mobile-stack tr.summary-row td::before{color:#2563eb !important;}
}

@media (max-width:768px) and (pointer:coarse){
  .hdr-top{
    display:grid;
    grid-template-columns:44px minmax(0,1fr) 44px;
    align-items:center;
    margin-bottom:8px !important;
  }
  .title-block{
    grid-column:2;
    justify-self:center;
    justify-content:center;
    width:100%;
    gap:10px;
  }
  .hdr h1{
    width:100%;
    text-align:center;
    font-size:17px;
    line-height:1.2;
    letter-spacing:-0.35px;
  }
  .theme-toggle{grid-column:3;justify-self:end;}
  .nav.nav-main{gap:10px !important;}
  .nav.nav-main button{
    min-height:44px !important;
    padding:0 18px !important;
    font-size:14px !important;
    font-weight:700 !important;
    border-radius:12px !important;
  }
  .nav.nav-main button.active{box-shadow:0 8px 18px rgba(37,99,235,.22);}
}

/* ===== v16.1 Pure UI polish pass ===== */
:root{
  --rm-surface-1:rgba(10,13,27,.90);
  --rm-surface-2:rgba(13,17,33,.84);
  --rm-surface-3:rgba(16,22,42,.58);
  --rm-border-soft:rgba(103,115,156,.16);
  --rm-border-strong:rgba(118,134,181,.24);
  --rm-text-main:#edf3ff;
  --rm-text-muted:#8e98b4;
  --rm-text-subtle:#68728e;
  --rm-radius-sm:12px;
  --rm-radius-md:16px;
  --rm-radius-lg:20px;
}
html.light{
  --rm-surface-1:rgba(255,255,255,.96);
  --rm-surface-2:rgba(250,251,255,.94);
  --rm-surface-3:rgba(236,241,251,.88);
  --rm-border-soft:rgba(175,186,212,.48);
  --rm-border-strong:rgba(154,168,201,.62);
  --rm-text-main:#17233c;
  --rm-text-muted:#66748f;
  --rm-text-subtle:#7b86a0;
}

.hdr{padding:16px 24px 12px;border-bottom-color:var(--rm-border-soft);background:rgba(7,10,21,.92)}
html.light .hdr{background:rgba(246,248,253,.94);border-bottom-color:var(--rm-border-soft)}
.hdr-top{margin-bottom:12px;position:relative}
.title-block{gap:12px}
.brand-mark{width:34px;height:34px;border-radius:11px;border-color:rgba(96,121,191,.24);box-shadow:0 8px 20px rgba(3,8,26,.18), inset 0 1px 0 rgba(255,255,255,.04)}
.brand-mark svg,.brand-mark img{width:20px;height:20px;filter:drop-shadow(0 2px 8px rgba(74,143,255,.18))}
.brand-copy{gap:2px}
.hdr h1.brand-name{font-size:21px;font-weight:700;letter-spacing:-.03em;color:var(--rm-text-main);line-height:1.03}
.brand-sub{font-size:10px;letter-spacing:1.2px;color:#9ac8ff;line-height:1.15;text-transform:uppercase}
.brand-meta{gap:8px}
.brand-country{padding:2px 7px;border-radius:999px;border-color:rgba(120,167,255,.22);background:rgba(17,27,58,.42);font-size:10px;font-weight:600;color:#dbe9ff;box-shadow:none}
.brand-flag{font-size:11px}
html.light .brand-country{background:rgba(255,255,255,.82);border-color:#d7dfef;color:#25406e;box-shadow:none}
.theme-toggle{width:38px;height:38px;padding:0;border-radius:12px;background:rgba(13,17,31,.62);border-color:rgba(96,110,153,.24);box-shadow:inset 0 1px 0 rgba(255,255,255,.03)}
.theme-toggle:hover{background:rgba(21,28,50,.86);border-color:rgba(91,127,220,.42);color:#eef5ff}
html.light .theme-toggle{background:rgba(255,255,255,.9);border-color:#d7ddec;color:#52607e;box-shadow:0 1px 0 rgba(255,255,255,.72) inset}

.nav{gap:8px}
.nav button{min-height:40px;padding:0 14px;border-radius:12px;font-size:13.5px;font-weight:620;letter-spacing:-.01em;color:#9aa4c0}
.nav button:hover{color:#edf3ff;background:rgba(255,255,255,.04)}
.nav button.active{background:#3570f0;color:#fff;box-shadow:0 8px 18px rgba(49,95,219,.22), inset 0 1px 0 rgba(255,255,255,.16)}
.nav button.sec{min-height:38px;padding:0 12px;border-radius:12px;border-color:var(--rm-border-soft);background:rgba(16,21,38,.70);color:#cad5ef;font-size:12px;font-weight:620}
.nav button.sec:hover{border-color:rgba(88,124,221,.42);background:rgba(22,29,50,.90)}
html.light .nav button{color:#6a7692}
html.light .nav button:hover{color:#1e2b46;background:rgba(23,37,84,.06)}
html.light .nav button.active{color:#fff}
html.light .nav button.sec{background:rgba(255,255,255,.86);border-color:#d9dfeb;color:#3f4d68}
html.light .nav button.sec:hover{background:#fff;border-color:#b7c4df;color:#273553}

.action-cluster{gap:8px;padding:7px 10px;border-radius:16px;border-color:var(--rm-border-soft);background:rgba(12,16,31,.56);box-shadow:inset 0 1px 0 rgba(255,255,255,.03)}
.profile-cluster{background:rgba(10,16,33,.94);border-color:rgba(74,106,182,.30);box-shadow:0 0 0 1px rgba(37,99,235,.05) inset}
.action-cluster-secondary{background:rgba(27,21,38,.36);border-color:rgba(124,101,147,.18)}
html.light .action-cluster{background:rgba(255,255,255,.86);border-color:#dde4f0;box-shadow:0 1px 0 rgba(255,255,255,.8) inset}
html.light .profile-cluster{background:#f5f9ff;border-color:#cfd9ee;box-shadow:0 1px 0 rgba(255,255,255,.75) inset}
html.light .action-cluster-secondary{background:#fafaff;border-color:#e3dcef}

.main{padding:26px;max-width:1220px}
.section-divider{background:rgba(95,112,160,.18);margin:30px 0}
.view-title{font-size:19px;letter-spacing:-.02em}
.section-head{gap:12px;margin-bottom:18px}

.card,.panel,.cra,.tool-panel,.smart-tips,.import-busy,.backup-banner,.limits-scroll,.recon-card,.drill-card,.pwa-panel{border-radius:14px}
.card{padding:20px 22px;border-color:var(--rm-border-soft);background:rgba(10,13,26,.94);box-shadow:0 4px 12px rgba(3,7,18,.08)}
.card:hover{transform:translateY(-1px);box-shadow:0 16px 28px rgba(3,7,18,.18)}
.card-label{font-size:10px;letter-spacing:1.35px;color:#8490ab}
.card-val{font-size:25px;letter-spacing:-.04em}
.card-sub{color:#6e7894}
.card-progress{height:3px;background:rgba(87,100,139,.24)}
.panel,.cra,.tool-panel,.smart-tips,.backup-banner,.limits-scroll,.recon-card,.drill-card,.pwa-panel{border-color:var(--rm-border-soft);box-shadow:0 4px 12px rgba(3,7,18,.08)}
.panel-title,.tool-panel h3,.cra h3,.smart-tips h3{font-size:15px;letter-spacing:-.01em}
.panel-text,.tool-panel p.desc,.cra p,.tip,.panel-sub{color:var(--rm-text-muted)}
.tip{border-bottom-color:rgba(90,102,141,.16)}

.search-wrap,.import-preview-wrap,.activity-log,.import-history{border-radius:18px}
.search-input,.filter-input,.filter-clear-btn,.t-input,.profile-select,.heatmap-mode-select{border-radius:14px;border-color:rgba(92,104,145,.22);background:#111523;box-shadow:inset 0 1px 0 rgba(255,255,255,.02)}
.search-input,.filter-input,.t-input{min-height:48px;padding:11px 14px}
.profile-select,.heatmap-mode-select{min-height:44px}
.filter-clear-btn{min-height:48px;padding:0 14px}
.search-input::placeholder,.filter-input::placeholder,.t-input::placeholder{color:#67728f}
.filter-field label,.panel-sub,.tool-panel p.desc,.heatmap-note,.filter-meta,.panel-title{color:var(--rm-text-muted)}
html.light .search-input,html.light .filter-input,html.light .filter-clear-btn,html.light .t-input,html.light .profile-select,html.light .heatmap-mode-select{background:#fff;border-color:#d8dfec;box-shadow:0 1px 0 rgba(255,255,255,.78) inset}

.tool-panel.blue{background:rgba(10,15,28,.94);border-color:rgba(77,104,170,.24)}
.tool-panel.purple{background:rgba(15,11,28,.94);border-color:rgba(103,77,170,.24)}
.tool-row{gap:14px;margin-bottom:14px}
.tool-row>div{min-width:160px}
.tool-result{border-radius:16px;border-color:var(--rm-border-soft);background:rgba(10,13,26,.76)}

.filter-grid{gap:10px}
.filter-input[type="date"]{min-width:0}
.search-input{max-width:none;width:100%}

th{padding:11px 12px;color:#7f89a3;letter-spacing:1.1px;border-bottom-color:rgba(87,100,139,.18)}
td{padding:10px 12px;border-bottom-color:rgba(60,69,97,.20)}
tr.summary-row td{border-top-color:rgba(96,117,173,.30);background:linear-gradient(180deg,rgba(37,99,235,.08),rgba(37,99,235,.03));font-weight:700;color:#eef4ff}
tr.summary-row td:first-child{border-left:1px solid transparent}
tr.summary-row:hover{background:transparent}
html.light tr.summary-row td{border-top-color:#cfdaf1;background:linear-gradient(180deg,rgba(37,99,235,.08),rgba(37,99,235,.04));color:#1d3357}
html.light th{color:#75829e;border-bottom-color:#dbe3f0}
html.light td{border-bottom-color:#e6ebf4}

table.mobile-stack tr{border-radius:12px;border-color:var(--rm-border-soft);background:rgba(10,13,26,.94);padding:14px 16px;box-shadow:0 3px 10px rgba(3,7,18,.06)}
table.mobile-stack td{padding:10px 0;border-bottom-color:rgba(88,101,141,.16)}
table.mobile-stack td::before{color:#7c87a2}
table.mobile-stack tr.summary-row{background:linear-gradient(180deg,rgba(37,99,235,.10),rgba(37,99,235,.04));border-color:rgba(84,123,214,.22)}
html.light table.mobile-stack tr{background:#fff;border-color:#dde4f1;box-shadow:0 8px 18px rgba(39,51,89,.06)}
html.light table.mobile-stack td{border-bottom-color:#e8edf6}
html.light table.mobile-stack tr.summary-row{background:linear-gradient(180deg,rgba(37,99,235,.08),rgba(37,99,235,.03));border-color:#d4dff5}

.nav-scroll-hint{color:#7e8aa6;letter-spacing:.035em}
.nav-scroll-hint-icon{opacity:.85}
html.light .nav-scroll-hint{color:#6f7d97}

@media(max-width:768px){
  .hdr{padding:14px 16px 12px}
  .hdr-top{display:flex;justify-content:center;align-items:center;min-height:42px;margin-bottom:10px}
  .title-block{justify-content:center;margin:0 auto;gap:10px}
  .brand-copy{align-items:center;text-align:center}
  .brand-meta{justify-content:center;gap:6px}
  .brand-sub{font-size:9px;letter-spacing:1.3px}
  .brand-country{padding:2px 6px;font-size:9px}
  .theme-toggle{position:absolute;right:0;top:50%;transform:translateY(-50%);width:36px;height:36px}
  .nav-rows{gap:8px}
  .nav-main{display:flex !important;justify-content:flex-start !important;flex-wrap:nowrap !important;overflow-x:auto;width:100%;gap:8px;padding:2px 2px 4px;scroll-snap-type:x proximity;-webkit-overflow-scrolling:touch;scrollbar-width:none}
  .nav-main::-webkit-scrollbar{display:none}
  .nav-main button{flex:0 0 auto;width:auto;min-width:max-content;min-height:42px;padding:0 15px;font-size:13.5px;border-radius:13px;scroll-snap-align:start}
  .nav-scroll-hint{justify-content:center;margin-top:-2px;min-height:14px;font-size:10px;opacity:.88}
  .action-cluster{border-radius:14px}
  .profile-cluster{padding:7px 8px !important;gap:8px !important;grid-template-columns:max-content minmax(0,1fr) 40px !important}
  .profile-cluster .profile-chip{font-size:10px;letter-spacing:.16em;color:#9ecbff}
  .profile-select{height:44px !important;border-radius:12px}
  .profile-rename-btn{height:44px !important;min-width:40px !important;border-radius:12px;font-size:13px}
  .mobile-actions-toggle{min-height:44px;border-radius:14px;font-size:14px;font-weight:700}
  .mobile-actions-shell>.mobile-actions-body{gap:10px !important;padding-top:10px !important}
  .mobile-actions-shell>.mobile-actions-body>.mobile-action-btn{min-height:44px !important;border-radius:12px;font-size:12px}
  .main{padding:20px 16px}
  .section-head{margin-bottom:16px}
  .view-title{font-size:18px}
  .card,.panel,.cra,.tool-panel,.smart-tips,.backup-banner,.limits-scroll,.recon-card,.drill-card,.pwa-panel{border-radius:12px}
  .card{padding:18px 18px}
  .card-val{font-size:23px}
  .search-input,.filter-input,.filter-clear-btn,.t-input{min-height:46px}
  .filter-grid{gap:10px}
  table.mobile-stack tr{padding:13px 14px}
}

@media(max-width:380px){
  .nav-main button{padding:0 13px;font-size:13px}
  .brand-country{display:none}
  .card-val{font-size:21px}
}



/* ===== v16.3 Branding rollback / refinement pass ===== */
.title-block{gap:10px;min-width:0}
.brand-mark{width:32px;height:32px;border-radius:10px;background:rgba(12,17,34,.92);border-color:rgba(10,14,29,.92));border:1px solid rgba(86,111,182,.24);box-shadow:0 8px 18px rgba(3,8,26,.18),inset 0 1px 0 rgba(255,255,255,.03)}
.brand-mark svg{width:18px;height:18px;filter:none}
.brand-copy{display:flex;align-items:center;gap:8px;min-width:0}
.hdr h1.brand-name{font-size:17px;font-weight:700;letter-spacing:-.025em;line-height:1;color:var(--rm-text-main);margin:0}
.brand-meta,.brand-sub,.brand-country{display:none !important}
.brand-country-inline{display:inline-flex;align-items:center;gap:5px;font-size:11px;font-weight:600;letter-spacing:.01em;color:#8fa7d6;white-space:nowrap}
.brand-country-inline .brand-flag{font-size:12px;line-height:1}
.hdr-top{margin-bottom:8px}
.nav-rows{gap:8px}
.nav-actions{gap:8px;padding-top:8px}
.action-cluster{background:rgba(10,14,28,.68);border-color:rgba(54,72,118,.36);box-shadow:none}
.profile-cluster{padding:6px 8px !important;gap:8px !important;grid-template-columns:max-content minmax(180px,1fr) 40px !important;min-height:56px}
.profile-cluster .profile-chip{display:inline-flex !important;align-items:center;justify-content:center;min-height:32px;padding:0 10px !important;border-radius:999px;background:rgba(37,99,235,.08);border:1px solid rgba(63,131,248,.18);font-size:10px;letter-spacing:.16em;color:#9ecbff;white-space:nowrap;text-transform:uppercase}
.profile-select{height:42px !important;border-radius:12px;padding:0 34px 0 14px}
.profile-rename-btn{height:40px !important;min-width:40px !important;border-radius:12px}
.nav button.sec{min-height:40px;border-radius:12px;font-size:11.5px;padding:8px 13px}
.nav-main{margin-bottom:2px}
.theme-toggle{width:36px;height:36px;border-radius:11px}
html.light .brand-country-inline{color:#5b6f93}
html.light .brand-mark{background:#f7f9fd;border-color:#d8deea;box-shadow:0 8px 18px rgba(17,24,39,.06),inset 0 1px 0 rgba(255,255,255,.75)}
html.light .profile-cluster .profile-chip{background:rgba(37,99,235,.06);border-color:rgba(37,99,235,.12);color:#1d4ed8}
@media (max-width: 768px){
  .hdr-top{justify-content:center;position:relative;padding-right:44px}
  .theme-toggle{position:absolute;right:0;top:50%;transform:translateY(-50%)}
  .title-block{justify-content:center}
  .brand-copy{gap:0;justify-content:center}
  .brand-country-inline{display:none}
  .hdr h1.brand-name{font-size:18px;text-align:center}
  .profile-cluster{grid-template-columns:minmax(0,1fr) 44px !important;gap:8px !important;padding:8px !important;min-height:auto}
  .profile-cluster .profile-chip{display:none !important}
  .profile-select{grid-column:1;height:44px !important}
  .profile-rename-btn{grid-column:2;height:44px !important;min-width:44px !important}
  .nav-actions{padding-top:6px;gap:8px}
  .mobile-actions-toggle{border-radius:12px}
}


/* ── v16.4 header refinement: cleaner brand presence + balanced toolbar ── */
.title-block{gap:12px;min-width:0}
.brand-mark{width:40px;height:40px;border-radius:13px;background:rgba(10,15,30,.96);border:1px solid rgba(93,118,190,.26);box-shadow:0 10px 22px rgba(2,8,24,.18), inset 0 1px 0 rgba(255,255,255,.04)}
.brand-mark svg{width:22px;height:22px;filter:none}
.brand-copy{display:flex;align-items:center;gap:10px;min-width:0}
.hdr h1.brand-name{font-size:22px;font-weight:720;letter-spacing:-.035em;line-height:1;color:var(--rm-text-main);margin:0;white-space:nowrap}
.brand-country-inline{display:inline-flex;align-items:center;gap:0;font-size:12px;font-weight:600;letter-spacing:.01em;color:#8fa8cf;white-space:nowrap;opacity:.95}
.brand-country-inline::before{content:"";display:inline-block;width:6px;height:6px;border-radius:999px;background:#ef4444;box-shadow:0 0 0 2px rgba(239,68,68,.12);margin-right:8px;transform:translateY(.5px)}
html.light .brand-mark{background:#f7f9fd;border-color:#d8deea;box-shadow:0 8px 18px rgba(17,24,39,.06), inset 0 1px 0 rgba(255,255,255,.82)}
html.light .brand-country-inline{color:#52698f}
html.light .brand-country-inline::before{box-shadow:0 0 0 2px rgba(239,68,68,.08)}
.nav.nav-actions,.nav-actions{align-items:center}
.nav-actions{padding-top:10px;gap:10px}
.action-cluster{align-items:center;padding:8px 10px;border-radius:16px;min-height:58px;box-sizing:border-box}
.action-cluster button,.action-cluster .profile-select{min-height:42px}
.action-cluster button{display:inline-flex;align-items:center;justify-content:center}
.profile-cluster{padding:8px 10px !important;gap:10px !important;grid-template-columns:max-content minmax(190px,1fr) 44px !important;min-height:58px;align-items:center}
.profile-cluster .profile-chip{min-height:34px;padding:0 11px !important}
.profile-select{height:42px !important}
.profile-rename-btn{height:42px !important;min-width:42px !important;font-size:13px}
@media(max-width:768px){
  .title-block{gap:10px;justify-content:center}
  .brand-mark{width:34px;height:34px;border-radius:12px}
  .brand-mark svg{width:19px;height:19px}
  .hdr h1.brand-name{font-size:19px;text-align:center}
  .brand-copy{gap:0;justify-content:center}
  .brand-country-inline{display:none}
}


/* ===== v16.16 mobile safe-area + profile width + annual summary polish ===== */
@media (max-width: 768px), (pointer: coarse) {
  .hdr {
    padding-top: calc(env(safe-area-inset-top, 0px) + 24px) !important;
    padding-bottom: 8px !important;
  }
  .hdr-top {
    min-height: 58px !important;
    margin-bottom: 8px !important;
    padding-right: 54px !important;
    align-items: flex-start !important;
  }
  .brand-lockup {
    padding-top: 2px !important;
  }
  .theme-toggle {
    position: absolute !important;
    top: calc(env(safe-area-inset-top, 0px) + 4px) !important;
    right: 0 !important;
    transform: none !important;
    width: 38px !important;
    height: 38px !important;
  }
  .nav-rows {
    gap: 6px !important;
  }
  .action-cluster.profile-cluster,
  .profile-cluster {
    width: 100% !important;
    display: grid !important;
    grid-template-columns: minmax(0, 1fr) 48px !important;
    align-items: center !important;
    gap: 10px !important;
    padding: 8px !important;
    min-height: 0 !important;
    box-sizing: border-box !important;
  }
  .profile-cluster .profile-chip {
    display: none !important;
  }
  .profile-select {
    grid-column: 1 !important;
    width: 100% !important;
    min-width: 0 !important;
    height: 46px !important;
  }
  .profile-rename-btn {
    grid-column: 2 !important;
    width: 48px !important;
    min-width: 48px !important;
    height: 46px !important;
    min-height: 46px !important;
  }
  .mobile-actions-toggle {
    min-height: 46px !important;
  }
  table.mobile-stack tr.summary-row {
    border-radius: 20px !important;
    overflow: hidden !important;
    border: 1px solid rgba(76, 109, 185, .26) !important;
    background: linear-gradient(180deg, rgba(11,17,35,.98), rgba(8,12,24,.94)) !important;
    box-shadow: 0 10px 24px rgba(3,7,18,.12) !important;
    padding: 12px 14px !important;
    margin-top: 14px !important;
  }
  table.mobile-stack tr.summary-row td {
    padding: 12px 0 !important;
    border-bottom: 1px solid rgba(88,101,141,.16) !important;
  }
  table.mobile-stack tr.summary-row td:first-child {
    padding-top: 4px !important;
  }
  table.mobile-stack tr.summary-row td:last-child {
    border-bottom: none !important;
    padding-bottom: 4px !important;
  }
  table.mobile-stack tr.summary-row td::before {
    color: #9ecbff !important;
    font-weight: 700 !important;
  }
}
html.light table.mobile-stack tr.summary-row {
  border-color: #cfdcf4 !important;
  background: linear-gradient(180deg, #f8fbff, #f4f8ff) !important;
  box-shadow: 0 8px 18px rgba(39,51,89,.06) !important;
}
html.light table.mobile-stack tr.summary-row td {
  border-bottom-color: #e6edf8 !important;
}
html.light table.mobile-stack tr.summary-row td::before {
  color: #1d4ed8 !important;
}


/* ===== v16.17 mobile header toggle placement + annual summary normalization ===== */
@media (max-width: 768px), (pointer: coarse) {
  .hdr {
    padding-top: calc(env(safe-area-inset-top, 0px) + 18px) !important;
    padding-bottom: 8px !important;
  }
  .hdr-top {
    display: grid !important;
    grid-template-columns: minmax(0,1fr) auto !important;
    align-items: center !important;
    column-gap: 10px !important;
    min-height: 44px !important;
    margin-bottom: 8px !important;
    padding-right: 0 !important;
  }
  .title-block {
    justify-content: flex-start !important;
    align-items: center !important;
    margin: 0 !important;
    max-width: none !important;
  }
  .brand-copy {
    align-items: flex-start !important;
    text-align: left !important;
  }
  .theme-toggle {
    position: static !important;
    top: auto !important;
    right: auto !important;
    transform: none !important;
    justify-self: end !important;
    align-self: center !important;
    margin: 0 !important;
    width: 38px !important;
    height: 38px !important;
    min-width: 38px !important;
    min-height: 38px !important;
    z-index: 1 !important;
  }
  .nav-rows {
    gap: 6px !important;
  }
  table.mobile-stack tr.summary-row {
    border-radius: 18px !important;
    border: 1px solid var(--rm-border-soft) !important;
    background: linear-gradient(180deg,rgba(10,13,27,.95),rgba(9,12,24,.90)) !important;
    box-shadow: 0 8px 20px rgba(3,7,18,.12) !important;
    padding: 14px 16px !important;
    margin-top: 10px !important;
    overflow: visible !important;
  }
  table.mobile-stack tr.summary-row td {
    padding: 10px 0 !important;
    border-bottom: 1px solid rgba(88,101,141,.16) !important;
    background: transparent !important;
    color: inherit !important;
  }
  table.mobile-stack tr.summary-row td:first-child {
    padding-top: 10px !important;
  }
  table.mobile-stack tr.summary-row td:last-child {
    border-bottom: none !important;
    padding-bottom: 10px !important;
    border-radius: 0 !important;
  }
  table.mobile-stack tr.summary-row td::before {
    color: #7c87a2 !important;
    font-weight: 600 !important;
  }
}
html.light table.mobile-stack tr.summary-row {
  border-color: #dde4f1 !important;
  background: #fff !important;
  box-shadow: 0 8px 18px rgba(39,51,89,.06) !important;
}
html.light table.mobile-stack tr.summary-row td {
  border-bottom-color: #e8edf6 !important;
  background: transparent !important;
  color: inherit !important;
}
html.light table.mobile-stack tr.summary-row td::before {
  color: #667 !important;
}



/* ===== v16.18 mobile brand centering + annual summary same-as-others ===== */
@media (max-width:768px){
  .hdr{padding-top:calc(18px + env(safe-area-inset-top,0px)) !important;padding-bottom:12px !important;}
  .hdr-top{display:grid !important;grid-template-columns:44px 1fr 44px !important;align-items:center !important;column-gap:12px !important;margin-bottom:10px !important;}
  .title-block{grid-column:2 !important;justify-self:center !important;display:flex !important;align-items:center !important;gap:12px !important;margin:0 !important;padding:0 !important;}
  .brand-mark{width:36px !important;height:36px !important;flex:0 0 36px !important;margin:0 !important;}
  .brand-mark svg{width:22px !important;height:22px !important;}
  .brand-copy{display:flex !important;flex-direction:column !important;align-items:flex-start !important;justify-content:center !important;gap:3px !important;min-width:0 !important;}
  .hdr h1.brand-name{font-size:19px !important;line-height:1 !important;margin:0 !important;text-align:left !important;}
  .brand-sub{font-size:10px !important;letter-spacing:.14em !important;line-height:1 !important;justify-content:flex-start !important;white-space:nowrap !important;}
  .theme-toggle{grid-column:3 !important;justify-self:end !important;align-self:center !important;position:static !important;transform:none !important;top:auto !important;right:auto !important;margin:0 !important;}
  .nav-rows{margin-top:2px !important;gap:6px !important;}

  table.mobile-stack tr.summary-row{
    background:rgba(10,13,26,.94) !important;
    border:1px solid var(--rm-border-soft) !important;
    border-radius:18px !important;
    padding:14px 16px !important;
    box-shadow:0 3px 10px rgba(3,7,18,.06) !important;
  }
  table.mobile-stack tr.summary-row td{
    padding:10px 0 !important;
    border-bottom:1px solid rgba(88,101,141,.16) !important;
    background:transparent !important;
    color:inherit !important;
  }
  table.mobile-stack tr.summary-row td::before{color:#7c87a2 !important;}
  table.mobile-stack tr.summary-row td:first-child,
  table.mobile-stack tr.summary-row td:last-child{border-radius:0 !important;}
  html.light table.mobile-stack tr.summary-row{
    background:#fff !important;
    border-color:#dde4f1 !important;
    box-shadow:0 8px 18px rgba(39,51,89,.06) !important;
  }
  html.light table.mobile-stack tr.summary-row td{
    border-bottom-color:#e8edf6 !important;
    background:transparent !important;
    color:inherit !important;
  }
  html.light table.mobile-stack tr.summary-row td::before{color:#667 !important;}
}



/* ===== v16.19 mobile title centering + annual summary row normalization ===== */
@media (max-width:768px){
  .hdr{padding-top:calc(env(safe-area-inset-top,0px) + 18px) !important;}
  .hdr-top{
    position:relative !important;
    display:flex !important;
    justify-content:center !important;
    align-items:center !important;
    min-height:72px !important;
    margin-bottom:10px !important;
    padding-right:56px !important;
  }
  .title-block{
    width:100% !important;
    display:flex !important;
    justify-content:center !important;
    align-items:center !important;
    gap:12px !important;
    margin:0 auto !important;
    text-align:center !important;
  }
  .brand-copy{
    align-items:center !important;
    justify-content:center !important;
    text-align:center !important;
  }
  .hdr h1.brand-name{ text-align:center !important; }
  .brand-sub{justify-content:center !important; text-align:center !important; width:auto !important;}
  .theme-toggle{
    position:absolute !important;
    right:0 !important;
    top:50% !important;
    transform:translateY(-50%) !important;
    margin:0 !important;
    width:42px !important;
    height:42px !important;
  }

  table.mobile-stack tr.summary-row{
    background:#0a0a1a !important;
    border:1px solid #1a1a3a !important;
    border-radius:14px !important;
    box-shadow:none !important;
  }
  table.mobile-stack tr.summary-row td{
    border-top:none !important;
    background:transparent !important;
    font-weight:inherit !important;
    color:inherit !important;
  }
  table.mobile-stack tr.summary-row td:first-child{padding-top:0 !important;}
  table.mobile-stack tr.summary-row td:last-child{border-bottom:none !important;}
  table.mobile-stack tr.summary-row td::before{color:#667 !important;}

  html.light table.mobile-stack tr.summary-row{
    background:#fff !important;
    border:1px solid #e0e0e8 !important;
    box-shadow:none !important;
  }
  html.light table.mobile-stack tr.summary-row td{
    background:transparent !important;
    border-top:none !important;
    color:inherit !important;
  }
  html.light table.mobile-stack tr.summary-row td::before{color:#667 !important;}
}

</style>


<style id="v15-8-branding-pass">
/* v15.8 branding + iOS-leaning polish */
.title-block{display:flex;align-items:center;gap:12px}
.brand-mark{width:36px;height:36px;border-radius:12px;background:radial-gradient(circle at 28% 24%,rgba(139,195,255,.32),transparent 34%),linear-gradient(180deg,#0d183d,#091028);border:1px solid #20306a;display:flex;align-items:center;justify-content:center;box-shadow:0 10px 22px rgba(5,8,20,.26), inset 0 1px 0 rgba(255,255,255,.05)}
.brand-mark svg{width:22px;height:22px;display:block;filter:drop-shadow(0 3px 10px rgba(74,143,255,.24))}
.brand-copy{display:flex;flex-direction:column;gap:3px;min-width:0}
.hdr h1.brand-name{margin:0;font-size:20px;font-weight:700;letter-spacing:-0.55px;color:#edf3ff;line-height:1.02}
.brand-sub{font-size:10px;letter-spacing:1.7px;text-transform:uppercase;color:#8fc7ff;line-height:1}
.brand-meta{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.brand-country{display:inline-flex;align-items:center;gap:6px;padding:3px 8px;border-radius:999px;border:1px solid rgba(116,170,255,.26);background:rgba(17,27,58,.55);color:#d9ecff;font-size:10px;font-weight:600;letter-spacing:.2px;line-height:1.1;box-shadow:inset 0 1px 0 rgba(255,255,255,.04)}
.brand-flag{font-size:12px;line-height:1}
html.light .brand-country{background:rgba(255,255,255,.82);border-color:#d5dff5;color:#1d335f;box-shadow:0 1px 0 rgba(255,255,255,.75) inset}
html.light .brand-mark{background:radial-gradient(circle at 28% 24%,rgba(109,166,255,.18),transparent 34%),linear-gradient(180deg,#f7faff,#eef4ff);border-color:#c8d8ff;box-shadow:0 10px 20px rgba(30,41,59,.08), inset 0 1px 0 rgba(255,255,255,.8)}
html.light .hdr h1.brand-name{color:#16233d}
html.light .brand-sub{color:#2563eb}
html.light .brand-mark svg{filter:none}
.theme-toggle{border-radius:16px !important;background:linear-gradient(180deg,#11172e,#0a1022) !important;border:1px solid #26315c !important;box-shadow:0 8px 20px rgba(8,12,28,.24)}
html.light .theme-toggle{background:linear-gradient(180deg,#ffffff,#f3f6ff) !important;border-color:#d6def1 !important;box-shadow:0 8px 16px rgba(148,163,184,.16)}
.hdr{box-shadow:0 12px 28px rgba(3,8,23,.16)}
html.light .hdr{box-shadow:0 10px 24px rgba(15,23,42,.06)}
@media (max-width:768px) and (pointer:coarse){
  .hdr-top{grid-template-columns:44px minmax(0,1fr) 44px !important}
  .title-block{gap:10px;justify-content:center}
  .brand-mark{width:32px;height:32px;border-radius:11px}
  .brand-mark svg{width:19px;height:19px}
  .hdr h1.brand-name{font-size:18px !important;text-align:center !important}
  .brand-meta{justify-content:center;gap:8px}
  .brand-sub{font-size:9px;letter-spacing:1.45px;text-align:center}
  .brand-country{padding:2px 7px;font-size:9px}
  .brand-flag{font-size:11px}
  .nav.nav-main button{font-size:15px !important;min-height:42px !important;padding:0 16px !important}
}

/* ===== v16.1 Pure UI polish pass ===== */
:root{
  --rm-surface-1:rgba(10,13,27,.90);
  --rm-surface-2:rgba(13,17,33,.84);
  --rm-surface-3:rgba(16,22,42,.58);
  --rm-border-soft:rgba(103,115,156,.16);
  --rm-border-strong:rgba(118,134,181,.24);
  --rm-text-main:#edf3ff;
  --rm-text-muted:#8e98b4;
  --rm-text-subtle:#68728e;
  --rm-radius-sm:12px;
  --rm-radius-md:16px;
  --rm-radius-lg:20px;
}
html.light{
  --rm-surface-1:rgba(255,255,255,.96);
  --rm-surface-2:rgba(250,251,255,.94);
  --rm-surface-3:rgba(236,241,251,.88);
  --rm-border-soft:rgba(175,186,212,.48);
  --rm-border-strong:rgba(154,168,201,.62);
  --rm-text-main:#17233c;
  --rm-text-muted:#66748f;
  --rm-text-subtle:#7b86a0;
}

.hdr{padding:16px 24px 12px;border-bottom-color:var(--rm-border-soft);background:rgba(7,10,21,.92)}
html.light .hdr{background:rgba(246,248,253,.94);border-bottom-color:var(--rm-border-soft)}
.hdr-top{margin-bottom:12px;position:relative}
.title-block{gap:12px}
.brand-mark{width:34px;height:34px;border-radius:11px;border-color:rgba(96,121,191,.24);box-shadow:0 8px 20px rgba(3,8,26,.18), inset 0 1px 0 rgba(255,255,255,.04)}
.brand-mark svg,.brand-mark img{width:20px;height:20px;filter:drop-shadow(0 2px 8px rgba(74,143,255,.18))}
.brand-copy{gap:2px}
.hdr h1.brand-name{font-size:21px;font-weight:700;letter-spacing:-.03em;color:var(--rm-text-main);line-height:1.03}
.brand-sub{font-size:10px;letter-spacing:1.2px;color:#9ac8ff;line-height:1.15;text-transform:uppercase}
.brand-meta{gap:8px}
.brand-country{padding:2px 7px;border-radius:999px;border-color:rgba(120,167,255,.22);background:rgba(17,27,58,.42);font-size:10px;font-weight:600;color:#dbe9ff;box-shadow:none}
.brand-flag{font-size:11px}
html.light .brand-country{background:rgba(255,255,255,.82);border-color:#d7dfef;color:#25406e;box-shadow:none}
.theme-toggle{width:38px;height:38px;padding:0;border-radius:12px;background:rgba(13,17,31,.62);border-color:rgba(96,110,153,.24);box-shadow:inset 0 1px 0 rgba(255,255,255,.03)}
.theme-toggle:hover{background:rgba(21,28,50,.86);border-color:rgba(91,127,220,.42);color:#eef5ff}
html.light .theme-toggle{background:rgba(255,255,255,.9);border-color:#d7ddec;color:#52607e;box-shadow:0 1px 0 rgba(255,255,255,.72) inset}

.nav{gap:8px}
.nav button{min-height:40px;padding:0 14px;border-radius:12px;font-size:13.5px;font-weight:620;letter-spacing:-.01em;color:#9aa4c0}
.nav button:hover{color:#edf3ff;background:rgba(255,255,255,.04)}
.nav button.active{background:#3570f0;color:#fff;box-shadow:0 8px 18px rgba(49,95,219,.22), inset 0 1px 0 rgba(255,255,255,.16)}
.nav button.sec{min-height:38px;padding:0 12px;border-radius:12px;border-color:var(--rm-border-soft);background:rgba(16,21,38,.70);color:#cad5ef;font-size:12px;font-weight:620}
.nav button.sec:hover{border-color:rgba(88,124,221,.42);background:rgba(22,29,50,.90)}
html.light .nav button{color:#6a7692}
html.light .nav button:hover{color:#1e2b46;background:rgba(23,37,84,.06)}
html.light .nav button.active{color:#fff}
html.light .nav button.sec{background:rgba(255,255,255,.86);border-color:#d9dfeb;color:#3f4d68}
html.light .nav button.sec:hover{background:#fff;border-color:#b7c4df;color:#273553}

.action-cluster{gap:8px;padding:7px 10px;border-radius:16px;border-color:var(--rm-border-soft);background:rgba(12,16,31,.56);box-shadow:inset 0 1px 0 rgba(255,255,255,.03)}
.profile-cluster{background:rgba(10,16,33,.94);border-color:rgba(74,106,182,.30);box-shadow:0 0 0 1px rgba(37,99,235,.05) inset}
.action-cluster-secondary{background:rgba(27,21,38,.36);border-color:rgba(124,101,147,.18)}
html.light .action-cluster{background:rgba(255,255,255,.86);border-color:#dde4f0;box-shadow:0 1px 0 rgba(255,255,255,.8) inset}
html.light .profile-cluster{background:#f5f9ff;border-color:#cfd9ee;box-shadow:0 1px 0 rgba(255,255,255,.75) inset}
html.light .action-cluster-secondary{background:#fafaff;border-color:#e3dcef}

.main{padding:26px;max-width:1220px}
.section-divider{background:rgba(95,112,160,.18);margin:30px 0}
.view-title{font-size:19px;letter-spacing:-.02em}
.section-head{gap:12px;margin-bottom:18px}

.card,.panel,.cra,.tool-panel,.smart-tips,.import-busy,.backup-banner,.limits-scroll,.recon-card,.drill-card,.pwa-panel{border-radius:14px}
.card{padding:20px 22px;border-color:var(--rm-border-soft);background:rgba(10,13,26,.94);box-shadow:0 4px 12px rgba(3,7,18,.08)}
.card:hover{transform:translateY(-1px);box-shadow:0 16px 28px rgba(3,7,18,.18)}
.card-label{font-size:10px;letter-spacing:1.35px;color:#8490ab}
.card-val{font-size:25px;letter-spacing:-.04em}
.card-sub{color:#6e7894}
.card-progress{height:3px;background:rgba(87,100,139,.24)}
.panel,.cra,.tool-panel,.smart-tips,.backup-banner,.limits-scroll,.recon-card,.drill-card,.pwa-panel{border-color:var(--rm-border-soft);box-shadow:0 4px 12px rgba(3,7,18,.08)}
.panel-title,.tool-panel h3,.cra h3,.smart-tips h3{font-size:15px;letter-spacing:-.01em}
.panel-text,.tool-panel p.desc,.cra p,.tip,.panel-sub{color:var(--rm-text-muted)}
.tip{border-bottom-color:rgba(90,102,141,.16)}

.search-wrap,.import-preview-wrap,.activity-log,.import-history{border-radius:18px}
.search-input,.filter-input,.filter-clear-btn,.t-input,.profile-select,.heatmap-mode-select{border-radius:14px;border-color:rgba(92,104,145,.22);background:#111523;box-shadow:inset 0 1px 0 rgba(255,255,255,.02)}
.search-input,.filter-input,.t-input{min-height:48px;padding:11px 14px}
.profile-select,.heatmap-mode-select{min-height:44px}
.filter-clear-btn{min-height:48px;padding:0 14px}
.search-input::placeholder,.filter-input::placeholder,.t-input::placeholder{color:#67728f}
.filter-field label,.panel-sub,.tool-panel p.desc,.heatmap-note,.filter-meta,.panel-title{color:var(--rm-text-muted)}
html.light .search-input,html.light .filter-input,html.light .filter-clear-btn,html.light .t-input,html.light .profile-select,html.light .heatmap-mode-select{background:#fff;border-color:#d8dfec;box-shadow:0 1px 0 rgba(255,255,255,.78) inset}

.tool-panel.blue{background:rgba(10,15,28,.94);border-color:rgba(77,104,170,.24)}
.tool-panel.purple{background:rgba(15,11,28,.94);border-color:rgba(103,77,170,.24)}
.tool-row{gap:14px;margin-bottom:14px}
.tool-row>div{min-width:160px}
.tool-result{border-radius:16px;border-color:var(--rm-border-soft);background:rgba(10,13,26,.76)}

.filter-grid{gap:10px}
.filter-input[type="date"]{min-width:0}
.search-input{max-width:none;width:100%}

th{padding:11px 12px;color:#7f89a3;letter-spacing:1.1px;border-bottom-color:rgba(87,100,139,.18)}
td{padding:10px 12px;border-bottom-color:rgba(60,69,97,.20)}
tr.summary-row td{border-top-color:rgba(96,117,173,.30);background:linear-gradient(180deg,rgba(37,99,235,.08),rgba(37,99,235,.03));font-weight:700;color:#eef4ff}
tr.summary-row td:first-child{border-left:1px solid transparent}
tr.summary-row:hover{background:transparent}
html.light tr.summary-row td{border-top-color:#cfdaf1;background:linear-gradient(180deg,rgba(37,99,235,.08),rgba(37,99,235,.04));color:#1d3357}
html.light th{color:#75829e;border-bottom-color:#dbe3f0}
html.light td{border-bottom-color:#e6ebf4}

table.mobile-stack tr{border-radius:12px;border-color:var(--rm-border-soft);background:rgba(10,13,26,.94);padding:14px 16px;box-shadow:0 3px 10px rgba(3,7,18,.06)}
table.mobile-stack td{padding:10px 0;border-bottom-color:rgba(88,101,141,.16)}
table.mobile-stack td::before{color:#7c87a2}
table.mobile-stack tr.summary-row{background:linear-gradient(180deg,rgba(37,99,235,.10),rgba(37,99,235,.04));border-color:rgba(84,123,214,.22)}
html.light table.mobile-stack tr{background:#fff;border-color:#dde4f1;box-shadow:0 8px 18px rgba(39,51,89,.06)}
html.light table.mobile-stack td{border-bottom-color:#e8edf6}
html.light table.mobile-stack tr.summary-row{background:linear-gradient(180deg,rgba(37,99,235,.08),rgba(37,99,235,.03));border-color:#d4dff5}

.nav-scroll-hint{color:#7e8aa6;letter-spacing:.035em}
.nav-scroll-hint-icon{opacity:.85}
html.light .nav-scroll-hint{color:#6f7d97}

@media(max-width:768px){
  .hdr{padding:14px 16px 12px}
  .hdr-top{display:flex;justify-content:center;align-items:center;min-height:42px;margin-bottom:10px}
  .title-block{justify-content:center;margin:0 auto;gap:10px}
  .brand-copy{align-items:center;text-align:center}
  .brand-meta{justify-content:center;gap:6px}
  .brand-sub{font-size:9px;letter-spacing:1.3px}
  .brand-country{padding:2px 6px;font-size:9px}
  .theme-toggle{position:absolute;right:0;top:50%;transform:translateY(-50%);width:36px;height:36px}
  .nav-rows{gap:8px}
  .nav-main{display:flex !important;justify-content:flex-start !important;flex-wrap:nowrap !important;overflow-x:auto;width:100%;gap:8px;padding:2px 2px 4px;scroll-snap-type:x proximity;-webkit-overflow-scrolling:touch;scrollbar-width:none}
  .nav-main::-webkit-scrollbar{display:none}
  .nav-main button{flex:0 0 auto;width:auto;min-width:max-content;min-height:42px;padding:0 15px;font-size:13.5px;border-radius:13px;scroll-snap-align:start}
  .nav-scroll-hint{justify-content:center;margin-top:-2px;min-height:14px;font-size:10px;opacity:.88}
  .action-cluster{border-radius:14px}
  .profile-cluster{padding:7px 8px !important;gap:8px !important;grid-template-columns:max-content minmax(0,1fr) 40px !important}
  .profile-cluster .profile-chip{font-size:10px;letter-spacing:.16em;color:#9ecbff}
  .profile-select{height:44px !important;border-radius:12px}
  .profile-rename-btn{height:44px !important;min-width:40px !important;border-radius:12px;font-size:13px}
  .mobile-actions-toggle{min-height:44px;border-radius:14px;font-size:14px;font-weight:700}
  .mobile-actions-shell>.mobile-actions-body{gap:10px !important;padding-top:10px !important}
  .mobile-actions-shell>.mobile-actions-body>.mobile-action-btn{min-height:44px !important;border-radius:12px;font-size:12px}
  .main{padding:20px 16px}
  .section-head{margin-bottom:16px}
  .view-title{font-size:18px}
  .card,.panel,.cra,.tool-panel,.smart-tips,.backup-banner,.limits-scroll,.recon-card,.drill-card,.pwa-panel{border-radius:12px}
  .card{padding:18px 18px}
  .card-val{font-size:23px}
  .search-input,.filter-input,.filter-clear-btn,.t-input{min-height:46px}
  .filter-grid{gap:10px}
  table.mobile-stack tr{padding:13px 14px}
}

@media(max-width:380px){
  .nav-main button{padding:0 13px;font-size:13px}
  .brand-country{display:none}
  .card-val{font-size:21px}
}



/* ===== v16.3 Branding rollback / refinement pass ===== */
.title-block{gap:10px;min-width:0}
.brand-mark{width:32px;height:32px;border-radius:10px;background:rgba(12,17,34,.92);border-color:rgba(10,14,29,.92));border:1px solid rgba(86,111,182,.24);box-shadow:0 8px 18px rgba(3,8,26,.18),inset 0 1px 0 rgba(255,255,255,.03)}
.brand-mark svg{width:18px;height:18px;filter:none}
.brand-copy{display:flex;align-items:center;gap:8px;min-width:0}
.hdr h1.brand-name{font-size:17px;font-weight:700;letter-spacing:-.025em;line-height:1;color:var(--rm-text-main);margin:0}
.brand-meta,.brand-sub,.brand-country{display:none !important}
.brand-country-inline{display:inline-flex;align-items:center;gap:5px;font-size:11px;font-weight:600;letter-spacing:.01em;color:#8fa7d6;white-space:nowrap}
.brand-country-inline .brand-flag{font-size:12px;line-height:1}
.hdr-top{margin-bottom:8px}
.nav-rows{gap:8px}
.nav-actions{gap:8px;padding-top:8px}
.action-cluster{background:rgba(10,14,28,.68);border-color:rgba(54,72,118,.36);box-shadow:none}
.profile-cluster{padding:6px 8px !important;gap:8px !important;grid-template-columns:max-content minmax(180px,1fr) 40px !important;min-height:56px}
.profile-cluster .profile-chip{display:inline-flex !important;align-items:center;justify-content:center;min-height:32px;padding:0 10px !important;border-radius:999px;background:rgba(37,99,235,.08);border:1px solid rgba(63,131,248,.18);font-size:10px;letter-spacing:.16em;color:#9ecbff;white-space:nowrap;text-transform:uppercase}
.profile-select{height:42px !important;border-radius:12px;padding:0 34px 0 14px}
.profile-rename-btn{height:40px !important;min-width:40px !important;border-radius:12px}
.nav button.sec{min-height:40px;border-radius:12px;font-size:11.5px;padding:8px 13px}
.nav-main{margin-bottom:2px}
.theme-toggle{width:36px;height:36px;border-radius:11px}
html.light .brand-country-inline{color:#5b6f93}
html.light .brand-mark{background:#f7f9fd;border-color:#d8deea;box-shadow:0 8px 18px rgba(17,24,39,.06),inset 0 1px 0 rgba(255,255,255,.75)}
html.light .profile-cluster .profile-chip{background:rgba(37,99,235,.06);border-color:rgba(37,99,235,.12);color:#1d4ed8}
@media (max-width: 768px){
  .hdr-top{justify-content:center;position:relative;padding-right:44px}
  .theme-toggle{position:absolute;right:0;top:50%;transform:translateY(-50%)}
  .title-block{justify-content:center}
  .brand-copy{gap:0;justify-content:center}
  .brand-country-inline{display:none}
  .hdr h1.brand-name{font-size:18px;text-align:center}
  .profile-cluster{grid-template-columns:minmax(0,1fr) 44px !important;gap:8px !important;padding:8px !important;min-height:auto}
  .profile-cluster .profile-chip{display:none !important}
  .profile-select{grid-column:1;height:44px !important}
  .profile-rename-btn{grid-column:2;height:44px !important;min-width:44px !important}
  .nav-actions{padding-top:6px;gap:8px}
  .mobile-actions-toggle{border-radius:12px}
}


/* ── v16.4 header refinement: cleaner brand presence + balanced toolbar ── */
.title-block{gap:12px;min-width:0}
.brand-mark{width:40px;height:40px;border-radius:13px;background:rgba(10,15,30,.96);border:1px solid rgba(93,118,190,.26);box-shadow:0 10px 22px rgba(2,8,24,.18), inset 0 1px 0 rgba(255,255,255,.04)}
.brand-mark svg{width:22px;height:22px;filter:none}
.brand-copy{display:flex;align-items:center;gap:10px;min-width:0}
.hdr h1.brand-name{font-size:22px;font-weight:720;letter-spacing:-.035em;line-height:1;color:var(--rm-text-main);margin:0;white-space:nowrap}
.brand-country-inline{display:inline-flex;align-items:center;gap:0;font-size:12px;font-weight:600;letter-spacing:.01em;color:#8fa8cf;white-space:nowrap;opacity:.95}
.brand-country-inline::before{content:"";display:inline-block;width:6px;height:6px;border-radius:999px;background:#ef4444;box-shadow:0 0 0 2px rgba(239,68,68,.12);margin-right:8px;transform:translateY(.5px)}
html.light .brand-mark{background:#f7f9fd;border-color:#d8deea;box-shadow:0 8px 18px rgba(17,24,39,.06), inset 0 1px 0 rgba(255,255,255,.82)}
html.light .brand-country-inline{color:#52698f}
html.light .brand-country-inline::before{box-shadow:0 0 0 2px rgba(239,68,68,.08)}
.nav.nav-actions,.nav-actions{align-items:center}
.nav-actions{padding-top:10px;gap:10px}
.action-cluster{align-items:center;padding:8px 10px;border-radius:16px;min-height:58px;box-sizing:border-box}
.action-cluster button,.action-cluster .profile-select{min-height:42px}
.action-cluster button{display:inline-flex;align-items:center;justify-content:center}
.profile-cluster{padding:8px 10px !important;gap:10px !important;grid-template-columns:max-content minmax(190px,1fr) 44px !important;min-height:58px;align-items:center}
.profile-cluster .profile-chip{min-height:34px;padding:0 11px !important}
.profile-select{height:42px !important}
.profile-rename-btn{height:42px !important;min-width:42px !important;font-size:13px}
@media(max-width:768px){
  .title-block{gap:10px;justify-content:center}
  .brand-mark{width:34px;height:34px;border-radius:12px}
  .brand-mark svg{width:19px;height:19px}
  .hdr h1.brand-name{font-size:19px;text-align:center}
  .brand-copy{gap:0;justify-content:center}
  .brand-country-inline{display:none}
}


/* ===== v16.16 mobile safe-area + profile width + annual summary polish ===== */
@media (max-width: 768px), (pointer: coarse) {
  .hdr {
    padding-top: calc(env(safe-area-inset-top, 0px) + 24px) !important;
    padding-bottom: 8px !important;
  }
  .hdr-top {
    min-height: 58px !important;
    margin-bottom: 8px !important;
    padding-right: 54px !important;
    align-items: flex-start !important;
  }
  .brand-lockup {
    padding-top: 2px !important;
  }
  .theme-toggle {
    position: absolute !important;
    top: calc(env(safe-area-inset-top, 0px) + 4px) !important;
    right: 0 !important;
    transform: none !important;
    width: 38px !important;
    height: 38px !important;
  }
  .nav-rows {
    gap: 6px !important;
  }
  .action-cluster.profile-cluster,
  .profile-cluster {
    width: 100% !important;
    display: grid !important;
    grid-template-columns: minmax(0, 1fr) 48px !important;
    align-items: center !important;
    gap: 10px !important;
    padding: 8px !important;
    min-height: 0 !important;
    box-sizing: border-box !important;
  }
  .profile-cluster .profile-chip {
    display: none !important;
  }
  .profile-select {
    grid-column: 1 !important;
    width: 100% !important;
    min-width: 0 !important;
    height: 46px !important;
  }
  .profile-rename-btn {
    grid-column: 2 !important;
    width: 48px !important;
    min-width: 48px !important;
    height: 46px !important;
    min-height: 46px !important;
  }
  .mobile-actions-toggle {
    min-height: 46px !important;
  }
  table.mobile-stack tr.summary-row {
    border-radius: 20px !important;
    overflow: hidden !important;
    border: 1px solid rgba(76, 109, 185, .26) !important;
    background: linear-gradient(180deg, rgba(11,17,35,.98), rgba(8,12,24,.94)) !important;
    box-shadow: 0 10px 24px rgba(3,7,18,.12) !important;
    padding: 12px 14px !important;
    margin-top: 14px !important;
  }
  table.mobile-stack tr.summary-row td {
    padding: 12px 0 !important;
    border-bottom: 1px solid rgba(88,101,141,.16) !important;
  }
  table.mobile-stack tr.summary-row td:first-child {
    padding-top: 4px !important;
  }
  table.mobile-stack tr.summary-row td:last-child {
    border-bottom: none !important;
    padding-bottom: 4px !important;
  }
  table.mobile-stack tr.summary-row td::before {
    color: #9ecbff !important;
    font-weight: 700 !important;
  }
}
html.light table.mobile-stack tr.summary-row {
  border-color: #cfdcf4 !important;
  background: linear-gradient(180deg, #f8fbff, #f4f8ff) !important;
  box-shadow: 0 8px 18px rgba(39,51,89,.06) !important;
}
html.light table.mobile-stack tr.summary-row td {
  border-bottom-color: #e6edf8 !important;
}
html.light table.mobile-stack tr.summary-row td::before {
  color: #1d4ed8 !important;
}


/* ===== v16.17 mobile header toggle placement + annual summary normalization ===== */
@media (max-width: 768px), (pointer: coarse) {
  .hdr {
    padding-top: calc(env(safe-area-inset-top, 0px) + 18px) !important;
    padding-bottom: 8px !important;
  }
  .hdr-top {
    display: grid !important;
    grid-template-columns: minmax(0,1fr) auto !important;
    align-items: center !important;
    column-gap: 10px !important;
    min-height: 44px !important;
    margin-bottom: 8px !important;
    padding-right: 0 !important;
  }
  .title-block {
    justify-content: flex-start !important;
    align-items: center !important;
    margin: 0 !important;
    max-width: none !important;
  }
  .brand-copy {
    align-items: flex-start !important;
    text-align: left !important;
  }
  .theme-toggle {
    position: static !important;
    top: auto !important;
    right: auto !important;
    transform: none !important;
    justify-self: end !important;
    align-self: center !important;
    margin: 0 !important;
    width: 38px !important;
    height: 38px !important;
    min-width: 38px !important;
    min-height: 38px !important;
    z-index: 1 !important;
  }
  .nav-rows {
    gap: 6px !important;
  }
  table.mobile-stack tr.summary-row {
    border-radius: 18px !important;
    border: 1px solid var(--rm-border-soft) !important;
    background: linear-gradient(180deg,rgba(10,13,27,.95),rgba(9,12,24,.90)) !important;
    box-shadow: 0 8px 20px rgba(3,7,18,.12) !important;
    padding: 14px 16px !important;
    margin-top: 10px !important;
    overflow: visible !important;
  }
  table.mobile-stack tr.summary-row td {
    padding: 10px 0 !important;
    border-bottom: 1px solid rgba(88,101,141,.16) !important;
    background: transparent !important;
    color: inherit !important;
  }
  table.mobile-stack tr.summary-row td:first-child {
    padding-top: 10px !important;
  }
  table.mobile-stack tr.summary-row td:last-child {
    border-bottom: none !important;
    padding-bottom: 10px !important;
    border-radius: 0 !important;
  }
  table.mobile-stack tr.summary-row td::before {
    color: #7c87a2 !important;
    font-weight: 600 !important;
  }
}
html.light table.mobile-stack tr.summary-row {
  border-color: #dde4f1 !important;
  background: #fff !important;
  box-shadow: 0 8px 18px rgba(39,51,89,.06) !important;
}
html.light table.mobile-stack tr.summary-row td {
  border-bottom-color: #e8edf6 !important;
  background: transparent !important;
  color: inherit !important;
}
html.light table.mobile-stack tr.summary-row td::before {
  color: #667 !important;
}



/* ===== v16.18 mobile brand centering + annual summary same-as-others ===== */
@media (max-width:768px){
  .hdr{padding-top:calc(18px + env(safe-area-inset-top,0px)) !important;padding-bottom:12px !important;}
  .hdr-top{display:grid !important;grid-template-columns:44px 1fr 44px !important;align-items:center !important;column-gap:12px !important;margin-bottom:10px !important;}
  .title-block{grid-column:2 !important;justify-self:center !important;display:flex !important;align-items:center !important;gap:12px !important;margin:0 !important;padding:0 !important;}
  .brand-mark{width:36px !important;height:36px !important;flex:0 0 36px !important;margin:0 !important;}
  .brand-mark svg{width:22px !important;height:22px !important;}
  .brand-copy{display:flex !important;flex-direction:column !important;align-items:flex-start !important;justify-content:center !important;gap:3px !important;min-width:0 !important;}
  .hdr h1.brand-name{font-size:19px !important;line-height:1 !important;margin:0 !important;text-align:left !important;}
  .brand-sub{font-size:10px !important;letter-spacing:.14em !important;line-height:1 !important;justify-content:flex-start !important;white-space:nowrap !important;}
  .theme-toggle{grid-column:3 !important;justify-self:end !important;align-self:center !important;position:static !important;transform:none !important;top:auto !important;right:auto !important;margin:0 !important;}
  .nav-rows{margin-top:2px !important;gap:6px !important;}

  table.mobile-stack tr.summary-row{
    background:rgba(10,13,26,.94) !important;
    border:1px solid var(--rm-border-soft) !important;
    border-radius:18px !important;
    padding:14px 16px !important;
    box-shadow:0 3px 10px rgba(3,7,18,.06) !important;
  }
  table.mobile-stack tr.summary-row td{
    padding:10px 0 !important;
    border-bottom:1px solid rgba(88,101,141,.16) !important;
    background:transparent !important;
    color:inherit !important;
  }
  table.mobile-stack tr.summary-row td::before{color:#7c87a2 !important;}
  table.mobile-stack tr.summary-row td:first-child,
  table.mobile-stack tr.summary-row td:last-child{border-radius:0 !important;}
  html.light table.mobile-stack tr.summary-row{
    background:#fff !important;
    border-color:#dde4f1 !important;
    box-shadow:0 8px 18px rgba(39,51,89,.06) !important;
  }
  html.light table.mobile-stack tr.summary-row td{
    border-bottom-color:#e8edf6 !important;
    background:transparent !important;
    color:inherit !important;
  }
  html.light table.mobile-stack tr.summary-row td::before{color:#667 !important;}
}



/* ===== v16.19 mobile title centering + annual summary row normalization ===== */
@media (max-width:768px){
  .hdr{padding-top:calc(env(safe-area-inset-top,0px) + 18px) !important;}
  .hdr-top{
    position:relative !important;
    display:flex !important;
    justify-content:center !important;
    align-items:center !important;
    min-height:72px !important;
    margin-bottom:10px !important;
    padding-right:56px !important;
  }
  .title-block{
    width:100% !important;
    display:flex !important;
    justify-content:center !important;
    align-items:center !important;
    gap:12px !important;
    margin:0 auto !important;
    text-align:center !important;
  }
  .brand-copy{
    align-items:center !important;
    justify-content:center !important;
    text-align:center !important;
  }
  .hdr h1.brand-name{ text-align:center !important; }
  .brand-sub{justify-content:center !important; text-align:center !important; width:auto !important;}
  .theme-toggle{
    position:absolute !important;
    right:0 !important;
    top:50% !important;
    transform:translateY(-50%) !important;
    margin:0 !important;
    width:42px !important;
    height:42px !important;
  }

  table.mobile-stack tr.summary-row{
    background:#0a0a1a !important;
    border:1px solid #1a1a3a !important;
    border-radius:14px !important;
    box-shadow:none !important;
  }
  table.mobile-stack tr.summary-row td{
    border-top:none !important;
    background:transparent !important;
    font-weight:inherit !important;
    color:inherit !important;
  }
  table.mobile-stack tr.summary-row td:first-child{padding-top:0 !important;}
  table.mobile-stack tr.summary-row td:last-child{border-bottom:none !important;}
  table.mobile-stack tr.summary-row td::before{color:#667 !important;}

  html.light table.mobile-stack tr.summary-row{
    background:#fff !important;
    border:1px solid #e0e0e8 !important;
    box-shadow:none !important;
  }
  html.light table.mobile-stack tr.summary-row td{
    background:transparent !important;
    border-top:none !important;
    color:inherit !important;
  }
  html.light table.mobile-stack tr.summary-row td::before{color:#667 !important;}
}

</style>
</body></html>`;
}


function buildComprehensivePrintableReportHtml(cy){
  const profileLabel=escapeHtml(getActiveProfileLabel());
  const generated=escapeHtml(formatDateTime(Date.now()));
  const tfsa=calcTFSA(tT), fhsa=calcFHSA(fT);
  const tc=tfsa.years[cy]||{}, fc=fhsa.years[cy]||{};
  const tTot=tfsa.monthlyTax.reduce((s,t)=>s+safeNum(t.tax),0);
  const fTot=fhsa.monthlyTax.reduce((s,t)=>s+safeNum(t.tax),0);
  const rrspRows=getRrspYearsSorted();
  const ctx=rrspRows.length?getRrspCurrentContext(cy):null;
  const snaps=(uiPrefs&&uiPrefs.craSnapshots)||{};

  const RF=(n)=>{const v=safeNum(n);return (v<0?'-':'')+'$'+Math.abs(v).toLocaleString('en-CA',{minimumFractionDigits:2,maximumFractionDigits:2});};

  // --- TFSA annual table ---
  const tfsaYearKeys=Object.keys(tfsa.years||{}).map(Number).filter(y=>y<=cy).sort((a,b)=>a-b);
  let tfsaTableHtml='';
  if(tfsaYearKeys.length){
    tfsaTableHtml='<table><thead><tr><th>Year</th><th class="r">Limit</th><th class="r">Opening Room</th><th class="r">Contributions</th><th class="r">Withdrawals</th><th class="r">Year-End Room</th><th class="r">Excess</th><th class="r">1% Tax</th></tr></thead><tbody>';
    tfsaYearKeys.forEach(y=>{const r=tfsa.years[y]||{};tfsaTableHtml+=`<tr><td>${y}</td><td class="r">${RF(r.limit)}</td><td class="r">${RF(r.openRoom)}</td><td class="r">${RF(r.contribs)}</td><td class="r">${RF(r.withdrawals)}</td><td class="r">${RF(r.yeRoom)}</td><td class="r ${safeNum(r.yeExcess)>0.005?'warn':''}">${RF(r.yeExcess)}</td><td class="r ${safeNum(r.tax)>0.005?'warn':''}">${RF(r.tax)}</td></tr>`});
    tfsaTableHtml+='</tbody></table>';
  }

  // --- FHSA annual table ---
  const fhsaYearKeys=Object.keys(fhsa.years||{}).map(Number).filter(y=>y<=cy).sort((a,b)=>a-b);
  let fhsaTableHtml='';
  if(fhsaYearKeys.length){
    fhsaTableHtml='<table><thead><tr><th>Year</th><th class="r">Room</th><th class="r">Inflows</th><th class="r">Taxable WD</th><th class="r">Direct Transfers</th><th class="r">YE Room</th><th class="r">Excess</th><th class="r">1% Tax</th></tr></thead><tbody>';
    fhsaYearKeys.forEach(y=>{const r=fhsa.years[y]||{};fhsaTableHtml+=`<tr><td>${y}</td><td class="r">${RF(r.participationRoom)}</td><td class="r">${RF(r.countedInflows)}</td><td class="r">${RF(r.taxableWithdrawals)}</td><td class="r">${RF(r.directTransfers)}</td><td class="r">${RF(r.yeRoom)}</td><td class="r ${safeNum(r.yeExcess)>0.005?'warn':''}">${RF(r.yeExcess)}</td><td class="r ${safeNum(r.tax)>0.005?'warn':''}">${RF(r.tax)}</td></tr>`});
    fhsaTableHtml+='</tbody></table>';
  }

  // --- RRSP annual table ---
  let rrspTableHtml='';
  if(rrspRows.length){
    rrspTableHtml='<table><thead><tr><th>Year</th><th class="r">Avail. Room</th><th class="r">Regular</th><th class="r">First 60</th><th class="r">Total</th><th class="r">Deducted</th><th class="r">Carry Fwd</th><th class="r">Unused Room</th><th class="r">NOA</th></tr></thead><tbody>';
    rrspRows.forEach(rec=>{
      rrspTableHtml+=`<tr><td>${escapeHtml(String(rec.taxYear))}</td><td class="r">${RF(rec.availableContributionRoom||rec.deductionLimit)}</td><td class="r">${RF(rec.regularPeriodContributions)}</td><td class="r">${RF(rec.first60DaysContributions)}</td><td class="r">${RF(rec.totalContributionsForReturn)}</td><td class="r">${RF(rec.deductionClaimed)}</td><td class="r">${RF(rec.unusedContributionsCarryforwardEnd)}</td><td class="r">${RF(rrspUnusedRoomEnd(rec))}</td><td class="r">${safeNum(rec.actualRefundOrBalance)>0.005?RF(rec.actualRefundOrBalance):'—'}</td></tr>`;
    });
    rrspTableHtml+='</tbody></table>';
  }

  // --- TFSA transaction ledger (last 5 years, condensed) ---
  const tfsaTxnCutoff=cy-4;
  const recentTfsaTxns=tT.filter(t=>{const y=+(String(t.d||'').slice(0,4));return y>=tfsaTxnCutoff&&y<=cy}).sort(sortTxnsDesc);
  let tfsaTxnHtml='';
  if(recentTfsaTxns.length){
    tfsaTxnHtml=`<table><thead><tr><th>Date</th><th>Institution</th><th>Type</th><th class="r">Amount</th><th>Status</th></tr></thead><tbody>`;
    recentTfsaTxns.slice(0,60).forEach(t=>{
      const tp=normalizeTfsaType(t.type);const fl=normalizeFlag(t.treat,'Include');
      tfsaTxnHtml+=`<tr><td>${escapeHtml(String(t.d||''))}</td><td>${escapeHtml(String(t.inst||''))}</td><td>${escapeHtml(tp)}</td><td class="r">${RF(t.amt)}</td><td>${escapeHtml(fl)}</td></tr>`;
    });
    if(recentTfsaTxns.length>60) tfsaTxnHtml+=`<tr><td colspan="5" class="muted">… and ${recentTfsaTxns.length-60} more rows. See full ledger in the app.</td></tr>`;
    tfsaTxnHtml+='</tbody></table>';
  }

  // --- FHSA transaction ledger ---
  const recentFhsaTxns=fT.filter(t=>{const y=+(String(t.d||'').slice(0,4));return y>=tfsaTxnCutoff&&y<=cy}).sort(sortTxnsDesc);
  let fhsaTxnHtml='';
  if(recentFhsaTxns.length){
    fhsaTxnHtml=`<table><thead><tr><th>Date</th><th>Institution</th><th>Type</th><th class="r">Amount</th><th>Status</th></tr></thead><tbody>`;
    recentFhsaTxns.slice(0,60).forEach(t=>{
      fhsaTxnHtml+=`<tr><td>${escapeHtml(String(t.d||''))}</td><td>${escapeHtml(String(t.inst||''))}</td><td>${escapeHtml(String(t.type||''))}</td><td class="r">${RF(t.amt)}</td><td>${escapeHtml(normalizeFlag(t.status,'Include'))}</td></tr>`;
    });
    if(recentFhsaTxns.length>60) fhsaTxnHtml+=`<tr><td colspan="5" class="muted">… and ${recentFhsaTxns.length-60} more rows.</td></tr>`;
    fhsaTxnHtml+='</tbody></table>';
  }

  // --- CRA Snapshots ---
  let snapshotHtml='';
  if(snaps.tfsa&&snaps.tfsa.year){
    const yr=tfsa.years[String(snaps.tfsa.year)]||{};
    snapshotHtml+=`<div class="snap-card"><h4>TFSA Snapshot — ${escapeHtml(String(snaps.tfsa.year))}</h4><table><tbody><tr><td>Ledger opening room</td><td class="r">${RF(yr.openRoom)}</td></tr><tr><td>CRA stated room</td><td class="r">${RF(snaps.tfsa.amount)}</td></tr><tr><td>Delta</td><td class="r ${Math.abs(safeNum(yr.openRoom)-safeNum(snaps.tfsa.amount))>0.005?'warn':''}">${RF(safeNum(yr.openRoom)-safeNum(snaps.tfsa.amount))}</td></tr></tbody></table></div>`;
  }
  if(snaps.fhsa&&snaps.fhsa.year){
    const yr=fhsa.years[String(snaps.fhsa.year)]||{};
    snapshotHtml+=`<div class="snap-card"><h4>FHSA Snapshot — ${escapeHtml(String(snaps.fhsa.year))}</h4><table><tbody><tr><td>Ledger participation room</td><td class="r">${RF(yr.participationRoom)}</td></tr><tr><td>CRA stated room</td><td class="r">${RF(snaps.fhsa.amount)}</td></tr><tr><td>Delta</td><td class="r ${Math.abs(safeNum(yr.participationRoom)-safeNum(snaps.fhsa.amount))>0.005?'warn':''}">${RF(safeNum(yr.participationRoom)-safeNum(snaps.fhsa.amount))}</td></tr></tbody></table></div>`;
  }

  // --- Tax exposure summary ---
  let taxHtml='';
  if(tTot>0.005||fTot>0.005){
    taxHtml=`<div class="alert-box"><h4>Tax Exposure Summary</h4><table><tbody>`;
    if(tTot>0.005) taxHtml+=`<tr><td>TFSA 1% excess tax (RC243)</td><td class="r warn">${RF(tTot)}</td></tr>`;
    if(fTot>0.005) taxHtml+=`<tr><td>FHSA 1% excess tax (RC728)</td><td class="r warn">${RF(fTot)}</td></tr>`;
    taxHtml+=`<tr class="total-row"><td>Combined exposure</td><td class="r warn">${RF(tTot+fTot)}</td></tr>`;
    taxHtml+=`</tbody></table><p class="note">Generally due by June 30 of the following year. Verify against CRA records.</p></div>`;
  }

  // --- Monthly excess detail (only if there is exposure) ---
  let monthlyExcessHtml='';
  const allMonthlyTax=[...tfsa.monthlyTax,...fhsa.monthlyTax].sort((a,b)=>String(a.month).localeCompare(String(b.month)));
  if(allMonthlyTax.length && allMonthlyTax.length<=36){
    monthlyExcessHtml=`<table><thead><tr><th>Month</th><th>Plan</th><th class="r">Peak Excess</th><th class="r">1% Tax</th></tr></thead><tbody>`;
    tfsa.monthlyTax.forEach(m=>{monthlyExcessHtml+=`<tr><td>${escapeHtml(m.month)}</td><td>TFSA</td><td class="r">${RF(m.peak)}</td><td class="r">${RF(m.tax)}</td></tr>`});
    fhsa.monthlyTax.forEach(m=>{monthlyExcessHtml+=`<tr><td>${escapeHtml(m.month)}</td><td>FHSA</td><td class="r">${RF(m.peak)}</td><td class="r">${RF(m.tax)}</td></tr>`});
    monthlyExcessHtml+='</tbody></table>';
  }

  const fhsaYearsActive=cy-getFhsaStartYear()+1;
  const fhsa15Left=Math.max(0,15-fhsaYearsActive);

  return `<!doctype html><html lang="en"><head><meta charset="utf-8"><title>Headroom — ${profileLabel} — Report</title>
<link href="https://fonts.googleapis.com/css2?family=Outfit:wght@400;500;600;700&family=IBM+Plex+Mono:wght@400;500;600&display=swap" rel="stylesheet">
<style>
*{margin:0;padding:0;box-sizing:border-box}
html,body{background:#fff;color:#1f2937;-webkit-print-color-adjust:exact;print-color-adjust:exact}
body{font:13.5px/1.52 'Outfit','Segoe UI',system-ui,sans-serif;padding:0}
.rpt{max-width:850px;margin:0 auto;padding:28px 36px 32px}

/* Cover */
.cover{margin-bottom:28px;padding-bottom:20px;border-bottom:2px solid #1e3a5f}
.cover-title{font-size:26px;font-weight:700;letter-spacing:-0.02em;color:#0f1729;margin-bottom:6px}
.cover-sub{font-size:11.5px;color:#6b7280;line-height:1.6}
.cover-kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-top:18px}
.kpi{background:#f8fafc;border:1px solid #e2e5ec;border-radius:8px;padding:12px 14px}
.kpi-label{font-size:9.5px;text-transform:uppercase;letter-spacing:0.08em;color:#6b7280;margin-bottom:4px;font-family:'Outfit',system-ui,sans-serif}
.kpi-val{font-size:20px;font-weight:600;color:#111827;font-variant-numeric:tabular-nums;font-family:'IBM Plex Mono',monospace}
.kpi-note{font-size:10.5px;color:#9ca3af;margin-top:3px}
.print-btn-row{text-align:right;margin-bottom:16px}
.print-btn-row button{padding:8px 18px;border-radius:6px;border:1px solid #d1d5db;background:#fff;cursor:pointer;font-size:12px;font-family:inherit}

/* Sections */
.sec{page-break-before:auto;margin-top:28px}
.sec:first-of-type{margin-top:0;page-break-before:avoid}
.sec-head{display:flex;align-items:baseline;justify-content:space-between;gap:12px;padding:0 0 6px;margin:0 0 12px;border-bottom:1.5px solid #d1d5db}
.sec-head h2{font-size:15px;font-weight:600;color:#111827;margin:0;font-family:'Outfit',system-ui,sans-serif}
.sec-head .tag{font-size:10px;color:#6b7280;text-transform:uppercase;letter-spacing:0.8px}
.sec-intro{font-size:12px;color:#4b5563;margin-bottom:14px;line-height:1.55}

/* KPI row within sections */
.sec-kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:16px}
.sec-kpis.cols-4{grid-template-columns:repeat(4,1fr)}

/* Tables */
table{width:100%;border-collapse:collapse;font-size:12px;margin-bottom:14px;font-family:'IBM Plex Mono',monospace}
thead{display:table-header-group}
th{text-align:left;font-weight:600;font-size:10.5px;text-transform:uppercase;letter-spacing:0.5px;color:#6b7280;padding:7px 8px;border-bottom:1.5px solid #d1d5db;background:#f9fafb}
td{padding:6px 8px;border-bottom:1px solid #f0f1f3;color:#374151;vertical-align:top}
tr{break-inside:avoid;page-break-inside:avoid}
.r{text-align:right;font-variant-numeric:tabular-nums}
.warn{color:#dc2626;font-weight:600}
.muted{color:#9ca3af;font-style:italic}
.total-row td{border-top:1.5px solid #d1d5db;font-weight:700}

/* Snapshot / alert blocks */
.snap-row{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-bottom:16px}
.snap-card{border:1px solid #e2e5ec;border-radius:8px;padding:12px 14px;break-inside:avoid}
.snap-card h4{font-size:12px;font-weight:700;color:#374151;margin-bottom:8px}
.snap-card table{margin:0}
.snap-card td{padding:4px 6px;border:none;font-size:11.5px}
.alert-box{background:#fef2f2;border:1px solid #fecaca;border-radius:8px;padding:14px 16px;margin-bottom:16px;break-inside:avoid}
.alert-box h4{font-size:13px;font-weight:700;color:#991b1b;margin-bottom:8px}
.alert-box table{margin:0}
.alert-box td{border-color:#fecaca}
.alert-box .note{font-size:10.5px;color:#991b1b;margin-top:8px}

/* Footer */
.rpt-foot{margin-top:24px;padding-top:10px;border-top:1px solid #e5e7eb;font-size:10.5px;color:#9ca3af;line-height:1.5}
.disclaimer-box{background:#f9fafb;border:1px solid #e5e7eb;border-radius:6px;padding:10px 14px;font-size:10.5px;color:#6b7280;margin-top:14px;line-height:1.55;break-inside:avoid}

/* Print overrides */
@media print{
  .rpt{max-width:none;padding:6mm 8mm 8mm}
  .print-btn-row{display:none}
  .cover-kpis{grid-template-columns:repeat(4,1fr)}
  .sec{page-break-before:auto}
  .sec-head{page-break-after:avoid;break-after:avoid}
  table{font-size:11px}
  th,td{padding:5px 6px}
  .kpi-val{font-size:17px}
}
@page{size:letter;margin:10mm 10mm 12mm}
</style></head><body>
<div class="rpt">
  <div class="print-btn-row"><button onclick="window.print()">Print / Save as PDF</button></div>

  <!-- COVER -->
  <div class="cover">
    <div class="cover-title">Headroom Report</div>
    <div class="cover-sub"><b>Profile:</b> ${profileLabel} · <b>Planning year:</b> ${cy} · <b>Generated:</b> ${generated}</div>
    <div class="cover-kpis">
      <div class="kpi"><div class="kpi-label">TFSA Room</div><div class="kpi-val">${RF(tc.yeRoom)}</div><div class="kpi-note">Year-end ${cy}</div></div>
      <div class="kpi"><div class="kpi-label">FHSA Room</div><div class="kpi-val">${RF(fc.yeRoom)}</div><div class="kpi-note">${fhsa15Left} yr${fhsa15Left!==1?'s':''} left of 15</div></div>
      <div class="kpi"><div class="kpi-label">RRSP Room</div><div class="kpi-val">${ctx&&ctx.current?RF(ctx.current.availableContributionRoom||ctx.current.deductionLimit):'—'}</div><div class="kpi-note">Current opening</div></div>
      <div class="kpi"><div class="kpi-label">Tax Exposure</div><div class="kpi-val${(tTot+fTot)>0.005?' warn':''}">${(tTot+fTot)>0.005?RF(tTot+fTot):'None'}</div><div class="kpi-note">Combined 1%</div></div>
    </div>
  </div>

  ${taxHtml}

  <!-- TFSA -->
  <section class="sec">
    <div class="sec-head"><h2>TFSA — Tax-Free Savings Account</h2><span class="tag">${tfsaYearKeys.length} years tracked</span></div>
    <div class="sec-kpis cols-4">
      <div class="kpi"><div class="kpi-label">Opening Room ${cy}</div><div class="kpi-val">${RF(tc.openRoom)}</div></div>
      <div class="kpi"><div class="kpi-label">${cy} Contributions</div><div class="kpi-val">${RF(tc.contribs)}</div></div>
      <div class="kpi"><div class="kpi-label">${cy} Withdrawals</div><div class="kpi-val">${RF(tc.withdrawals)}</div></div>
      <div class="kpi"><div class="kpi-label">Year-End Room</div><div class="kpi-val">${RF(tc.yeRoom)}</div></div>
    </div>
    ${tfsaTableHtml}
  </section>

  <!-- FHSA -->
  <section class="sec">
    <div class="sec-head"><h2>FHSA — First Home Savings Account</h2><span class="tag">${fhsaYearKeys.length} years tracked</span></div>
    <div class="sec-kpis">
      <div class="kpi"><div class="kpi-label">Participation Room ${cy}</div><div class="kpi-val">${RF(fc.participationRoom)}</div></div>
      <div class="kpi"><div class="kpi-label">YTD Inflows</div><div class="kpi-val">${RF(fc.countedInflows)}</div></div>
      <div class="kpi"><div class="kpi-label">Year-End Room</div><div class="kpi-val">${RF(fc.yeRoom)}</div></div>
    </div>
    <div class="sec-intro">Lifetime limit: ${RF(trackerConfig.fhsaLifetimeLimit||40000)} · Used: ${RF(fc.lifetimeUsed)} · Remaining: ${RF(fc.lifetimeLeft)}. Participation year ${fhsaYearsActive} of 15 (${fhsa15Left} remaining).</div>
    ${fhsaTableHtml}
  </section>

  ${rrspRows.length?`<!-- RRSP -->
  <section class="sec">
    <div class="sec-head"><h2>RRSP — Registered Retirement Savings Plan</h2><span class="tag">${rrspRows.length} years on record</span></div>
    ${ctx?`<div class="sec-kpis cols-4">
      <div class="kpi"><div class="kpi-label">Current Room</div><div class="kpi-val">${RF(ctx.current?ctx.current.availableContributionRoom||ctx.current.deductionLimit:0)}</div></div>
      <div class="kpi"><div class="kpi-label">${ctx.filingYear} Contributions</div><div class="kpi-val">${RF(ctx.filing?ctx.filing.totalContributionsForReturn:0)}</div></div>
      <div class="kpi"><div class="kpi-label">${ctx.filingYear} Deducted</div><div class="kpi-val">${RF(ctx.filing?ctx.filing.deductionClaimed:0)}</div></div>
      <div class="kpi"><div class="kpi-label">Carry Forward</div><div class="kpi-val">${RF(ctx.filing?ctx.filing.unusedContributionsCarryforwardEnd:0)}</div></div>
    </div>`:''}
    ${rrspTableHtml}
  </section>`:''}

  ${snapshotHtml?`<!-- CRA Reconciliation -->
  <section class="sec">
    <div class="sec-head"><h2>CRA Reconciliation Snapshots</h2></div>
    <div class="snap-row">${snapshotHtml}</div>
  </section>`:''}

  ${monthlyExcessHtml?`<!-- Monthly Excess Detail -->
  <section class="sec">
    <div class="sec-head"><h2>Monthly Excess Detail</h2><span class="tag">For RC243 / RC728</span></div>
    ${monthlyExcessHtml}
  </section>`:''}

  ${tfsaTxnHtml?`<!-- TFSA Transactions -->
  <section class="sec">
    <div class="sec-head"><h2>TFSA Transaction Ledger</h2><span class="tag">Last 5 years · ${recentTfsaTxns.length} rows</span></div>
    ${tfsaTxnHtml}
  </section>`:''}

  ${fhsaTxnHtml?`<!-- FHSA Transactions -->
  <section class="sec">
    <div class="sec-head"><h2>FHSA Transaction Ledger</h2><span class="tag">${recentFhsaTxns.length} rows</span></div>
    ${fhsaTxnHtml}
  </section>`:''}

  <div class="rpt-foot">
    Generated from Headroom · ${generated}
  </div>
  <div class="disclaimer-box">
    This report is for personal planning and record-keeping only. It is not an official CRA calculation engine and does not constitute tax, legal, or financial advice. Verify all room figures against CRA My Account and consult a qualified professional before filing or acting on edge cases.
  </div>
</div></body></html>`;
}

function downloadPrintableReportHtml(html,baseName){
  try{
    const blob=new Blob([html],{type:'text/html;charset=utf-8'});
    const url=URL.createObjectURL(blob);
    const a=document.createElement('a');
    a.href=url;
    a.download=`${baseName}.html`;
    document.body.appendChild(a);
    a.click();
    a.remove();
    setTimeout(()=>{try{URL.revokeObjectURL(url)}catch(e){}},1500);
  }catch(e){}
}


function exportPdfReport(){
  const cy=getCurrentYear();
  const reportHtml=buildComprehensivePrintableReportHtml(cy);
  try{
    const iframe=document.createElement('iframe');
    iframe.setAttribute('aria-hidden','true');
    iframe.style.position='fixed';
    iframe.style.right='0';
    iframe.style.bottom='0';
    iframe.style.width='0';
    iframe.style.height='0';
    iframe.style.border='0';
    iframe.style.opacity='0';
    iframe.style.pointerEvents='none';
    document.body.appendChild(iframe);

    const doc=iframe.contentWindow && iframe.contentWindow.document;
    if(!doc) throw new Error('iframe-doc-unavailable');
    doc.open();
    doc.write(reportHtml);
    doc.close();

    let didRun=false;
    const cleanup=()=>{setTimeout(()=>{try{iframe.remove()}catch(e){}},1500)};
    const runPrint=()=>{
      if(didRun) return;
      didRun=true;
      try{iframe.contentWindow.focus()}catch(e){}
      setTimeout(()=>{
        try{iframe.contentWindow.print()}catch(e){downloadPrintableReportHtml(reportHtml,'roommap-complete-report')}
        cleanup();
      },350);
    };

    iframe.onload=runPrint;
    setTimeout(runPrint,900);
    return;
  }catch(e){
    downloadPrintableReportHtml(reportHtml,'roommap-complete-report');
  }
}
function importJSON(){
  const inp=document.createElement('input');inp.type='file';inp.accept='.json,application/json';
  inp.onchange=e=>{
    const f=e.target.files&&e.target.files[0];if(!f)return;
    const reader=new FileReader();
    reader.onload=ev=>{
      try{
        const raw=JSON.parse(String(ev.target.result||''));
        if(!raw||typeof raw!=='object'){alert('Invalid JSON file.');return}
        const payload=(raw.data&&typeof raw.data==='object')?raw.data:raw;
        const hasProfiles=payload.profiles&&typeof payload.profiles==='object';
        const hasTxns=Array.isArray(payload.tfsaTxns)||Array.isArray(payload.fhsaTxns)||Array.isArray(payload.t)||Array.isArray(payload.f)||Array.isArray(payload.rrspTxns)||(payload.rrsp&&typeof payload.rrsp==='object');
        if(!hasProfiles&&!hasTxns&&!payload.config){alert('JSON file does not contain recognized tracker data.');return}
        let summary='';
        if(hasProfiles){
          const p1=((payload.profiles.p1&&payload.profiles.p1.t)||[]).length+((payload.profiles.p1&&payload.profiles.p1.f)||[]).length;
          const p2=((payload.profiles.p2&&payload.profiles.p2.t)||[]).length+((payload.profiles.p2&&payload.profiles.p2.f)||[]).length;
          summary='Profile 1 rows: '+p1+'\nProfile 2 rows: '+p2;
        }else{
          summary='TFSA txns: '+((payload.tfsaTxns||payload.t||[]).length)+'\nFHSA txns: '+((payload.fhsaTxns||payload.f||[]).length)+'\nRRSP rows: '+(((payload.rrsp&&payload.rrsp.txns)||payload.rrspTxns||[]).length);
        }
        if(!confirm('Import this backup? This will REPLACE the relevant tracker data.\n\n'+summary+'\n\nContinue?'))return;
        if(raw.checksum&&raw.data){
          const actual=simpleChecksum(raw.data);
          if(actual!==raw.checksum&&!confirm('Warning: backup checksum does not match. Import anyway?'))return;
        }
        if(hasProfiles){
          profileState={
            active:payload.activeProfile||'p1',
            profiles:{
              p1:normalizeProfileBundle(payload.profiles.p1,'p1'),
              p2:normalizeProfileBundle(payload.profiles.p2,'p2')
            }
          };
          applyProfileBundle(profileState.active||'p1');
        }else{
          ensureProfileState();
          const active=profileState.active||'p1';
          const current=profileState.profiles[active]||normalizeProfileBundle(null,active);
          current.t=clone(payload.tfsaTxns||payload.t||[]);
          current.f=clone(payload.fhsaTxns||payload.f||[]);
          current.rrsp=normalizeRrspState(payload.rrsp||{txns:payload.rrspTxns||[],annual:payload.rrspAnnual||[],receipts:payload.rrspReceipts||[],meta:payload.rrspMeta||{}}, active==='p1');
          if(payload.config)current.config=cloneConfig(payload.config);
          if(payload.prefs)current.prefs=clonePrefs(payload.prefs);
          profileState.profiles[active]=current;
          applyProfileBundle(active);
        }
        clearDemoModeForActiveProfile(); appendActivityLog({kind:'json_import',fileName:f.name||'backup.json'});save();render();
        const today=todayISO();
        const futureT=tT.filter(t=>String(t.d||'')>today).length;
        const futureF=fT.filter(t=>String(t.d||'')>today).length;
        const futureNote=(futureT+futureF)>0?`\n\nNote: ${futureT+futureF} transaction(s) have future dates. Open the plan tabs to review.`:'';
        alert('JSON backup imported successfully.'+futureNote);
      }catch(err){alert('Failed to parse JSON: '+err.message)}
    };
    reader.readAsText(f);
  };
  inp.click();
}

function isCompactActionUI(){
  return window.innerWidth<=768 && window.matchMedia && window.matchMedia('(pointer: coarse)').matches;
}
function getActionShellEls(){
  return { outer:document.getElementById('mobile-actions-shell') };
}
function syncResponsiveActionShell(){
  const {outer}=getActionShellEls();
  if(!outer) return;
  if(isCompactActionUI()){
    outer.open=false;
  }else{
    outer.open=true;
  }
}
function closeMobileActionMenus(force=false){
  if(!force && !isCompactActionUI()) return;
  const {outer}=getActionShellEls();
  if(outer) outer.open=false;
}
window.addEventListener('DOMContentLoaded',()=>{ syncResponsiveActionShell(); });
document.addEventListener('click',e=>{
  const navBtn=e.target.closest('.nav-main button,.mobile-actions-body button');
  if(navBtn) setTimeout(()=>closeMobileActionMenus(false),120);
});
window.addEventListener('resize',()=>{ syncResponsiveActionShell(); });
function exportSettingsCSV(){
  const rows=[["setting","key","value"],["tfsa_start_year","",trackerConfig.tfsaEligibleStartYear],["current_year","",trackerConfig.currentYear],["fhsa_first_year","",trackerConfig.fhsaFirstYear],["fhsa_annual_limit","",trackerConfig.fhsaAnnualLimit],["fhsa_lifetime_limit","",trackerConfig.fhsaLifetimeLimit],["fhsa_carryforward_cap","",trackerConfig.fhsaCarryforwardCap],["","",""],["tfsa_limit","year","limit"]];
  Object.keys(trackerConfig.tfsaAnnualLimits).sort().forEach(y=>rows.push(["tfsa_limit",y,trackerConfig.tfsaAnnualLimits[y]]));
  const blob=new Blob([toCSV(rows)],{type:'text/csv;charset=utf-8'});
  const u=URL.createObjectURL(blob),a=document.createElement('a');a.href=u;a.download='tracker_settings_'+new Date().toISOString().split('T')[0]+'.csv';a.click();URL.revokeObjectURL(u);
}
function applyStartEmptyToActiveProfile(){
  ensureProfileState();
  tT=[];fT=[];rT=[];rrspYears=[];rrspReceipts=[];trackerConfig=cloneConfig();uiPrefs=clonePrefs();
  if(uiPrefs&&uiPrefs.craSnapshots)uiPrefs.craSnapshots={tfsa:null,fhsa:null};
  if(Object.prototype.hasOwnProperty.call(uiPrefs,'demoSeedActive'))uiPrefs.demoSeedActive=false;
  uiPrefs.importHistory=[];
  uiPrefs.activityLog=[];
  uiPrefs.postImportNotice=null;
  importSession=null;
  importSourceBuffer={name:'',text:'',meta:null,files:[]};
  _cachedSelfTest=null;
  const active=profileState.active||'p1';
  const current=profileState.profiles[active]||normalizeProfileBundle(null,active);
  current.label=current.label||(active==='p1'?'Profile 1':SECOND_PROFILE_LABEL);
  current.t=[];
  current.f=[];
  const emptyRrsp=makeEmptyRrspState(Object.assign({},current.rrsp&&current.rrsp.meta,{seedState:'empty-by-user'}),true);
  rrspMeta=clone(emptyRrsp.meta);
  current.rrsp=emptyRrsp;
  current.config=cloneConfig(trackerConfig);
  current.prefs=clonePrefs(uiPrefs);
  current.resetMode=(active==='p1'?(hasCustomBaseline(current)?'baseline':'seeded'):'empty');
  profileState.profiles[active]=current;
}

function applyResetSeedToActiveProfile(){
  ensureProfileState();
  const active=profileState.active||'p1';
  const seed=getResetSeedForCurrentProfile();
  profileState.profiles[active]=seed;
  applyProfileBundle(active);
  _cachedSelfTest=null;
  return seed;
}

function startEmpty(){
  ensureProfileState();
  const activeLabel=getActiveProfileLabel();
  if(!confirm('⚠️ This will clear all transactions for '+activeLabel+' and leave an empty tracker so you can import only this person\'s data.\n\nBundled seeded data for this profile will be hidden until you click Reset.\n\nContinue?'))return;
  if(!confirm('Final confirmation: start '+activeLabel+' with an empty ledger?'))return;
  applyStartEmptyToActiveProfile();
  appendActivityLog({kind:'start_empty'});
  save();render();
}

function resetData(){
  ensureProfileState();
  const seed=getResetSeedForCurrentProfile();
  const label=seed.label||getActiveProfileLabel();
  const msg=seed.resetMode==='baseline'
    ? '⚠️ This will ERASE local changes for '+label+' and restore the saved personal baseline for this profile.\n\nAre you sure?'
    : (seed.resetMode==='seeded'
        ? '⚠️ This will ERASE local changes for '+label+' and restore the bundled seeded data for this profile.\n\nAre you sure?'
        : '⚠️ This will clear '+label+' back to an empty profile.\n\nAre you sure?');
  if(!confirm(msg))return;
  if(!confirm('Final confirmation: Reset '+label+' now?'))return;
  const applied=applyResetSeedToActiveProfile();
  appendActivityLog({kind:'reset',mode:applied.resetMode});
  save();render();
}

// ─── Normalize existing data on load ───

function seedNormalizedData(){
  const dateRe=/^\d{4}-\d{2}-\d{2}$/;
  resetTxnSeqSeed();
  tT=tT
    .filter(t=>dateRe.test(String(t.d||''))&&isRealIsoDate(t.d))
    .map((t,i)=>{
      const type=normalizeTfsaType(t.type,{strict:true})||'Unknown';
      const treat=type==='Unknown'?'Review':normalizeFlag(t.treat,'Include');
      const notePrefix=type==='Unknown'&&t.type?`Original TFSA type "${String(t.type)}". `:'';
      return ensureTxnIdentity('TFSA',{d:String(t.d||''),inst:t.inst||'',acct:t.acct||'manual',type,amt:safeNum(t.amt),treat,note:(notePrefix+(t.note||'')).trim(),id:t.id,seq:t.seq},i+1);
    });
  fT=fT
    .filter(t=>dateRe.test(String(t.d||''))&&isRealIsoDate(t.d))
    .map((t,i)=>{
      const type=normalizeFhsaType(t.type,{strict:true})||'Unknown';
      const status=type==='Unknown'?'Review':normalizeFlag(t.status,'Include');
      const notePrefix=type==='Unknown'&&t.type?`Original FHSA type \"${String(t.type)}\". `:'';
      return ensureTxnIdentity('FHSA',{d:String(t.d||''),inst:t.inst||'',acct:t.acct||'manual',type,amt:safeNum(t.amt),status,note:(notePrefix+(t.note||'')).trim(),id:t.id,seq:t.seq},i+1);
    });
  rT=rT
    .filter(t=>dateRe.test(String(t.d||''))&&isRealIsoDate(t.d))
    .map((t,i)=>{
      const type=normalizeRrspType(t.type);
      return ensureTxnIdentity('RRSP',{d:String(t.d||''),inst:t.inst||'',acct:t.acct||'manual',type,amt:safeNum(t.amt),taxYearTarget:safeNum(t.taxYearTarget)||0,window:t.window||'regular_year',roomEffect:t.roomEffect||'consumes_room',sourceType:t.sourceType||'manual',note:String(t.note||''),id:t.id,seq:t.seq},i+1);
    });
  rrspYears=Array.isArray(rrspYears)?rrspYears.filter(r=>safeNum(r.taxYear)>=1900).map(r=>Object.assign({availableContributionRoom:0,deductionLimit:0,regularPeriodContributions:0,first60DaysContributions:0,totalContributionsForReturn:0,deductionClaimed:0,unusedContributionsCarryforwardStart:0,unusedContributionsCarryforwardEnd:0,unusedDeductionRoomEnd:0,actualRefundOrBalance:0,actualTotalIncome:0,actualTaxableIncome:0,actualTotalPayable:0,sourceQuality:'',notes:''},r)).sort((a,b)=>safeNum(a.taxYear)-safeNum(b.taxYear)):[];
  rrspReceipts=Array.isArray(rrspReceipts)?rrspReceipts.map(r=>Object.assign({taxYear:0,institution:'',accountId:'',regularPeriodAmount:0,first60DaysAmount:0,sourceRef:'',notes:''},r)).sort((a,b)=>safeNum(a.taxYear)-safeNum(b.taxYear)||String(a.institution||'').localeCompare(String(b.institution||''))):[];
  rrspMeta=Object.assign(clone(DEFAULT_RRSP_META),rrspMeta||{});
}


// ═══════════════════════════════════════════════════
// THEME TOGGLE
// ═══════════════════════════════════════════════════
function toggleTheme(){
  _isDarkTheme=!_isDarkTheme;
  document.documentElement.classList.toggle('light',!_isDarkTheme);
  document.querySelector('.theme-toggle').textContent=_isDarkTheme?'☀':'☾';
  document.querySelector('meta[name="theme-color"]').content=_isDarkTheme?'#080810':'#f5f5f8';
  try{localStorage.setItem('tfsa-theme',_isDarkTheme?'dark':'light')}catch(e){}
}
function loadTheme(){
  try{
    const t=localStorage.getItem('tfsa-theme');
    if(t==='light'){_isDarkTheme=false;document.documentElement.classList.add('light');document.querySelector('.theme-toggle').textContent='☾';document.querySelector('meta[name="theme-color"]').content='#f5f5f8'}
  }catch(e){}
}

// ═══════════════════════════════════════════════════
// KEYBOARD ACCESSIBILITY
// ═══════════════════════════════════════════════════
document.addEventListener('keydown',e=>{
  // Don't fire shortcuts when typing in inputs
  const tag=document.activeElement?.tagName;
  const inInput=tag==='INPUT'||tag==='SELECT'||tag==='TEXTAREA';

  if(e.key==='Escape'){
    if(!document.getElementById('modal').classList.contains('hidden'))closeModal();
    if(!document.getElementById('settings-modal').classList.contains('hidden'))closeSettings();
    if(!document.getElementById('import-modal').classList.contains('hidden'))closeImportAssistant();
  }
  if(inInput) return;

  if((curView==='tfsa'||curView==='fhsa') && !e.ctrlKey && !e.metaKey){
    const plan=curView.toUpperCase();
    if(e.key==='ArrowDown'){e.preventDefault();moveSelectedTxnRow(plan,1);return}
    if(e.key==='ArrowUp'){e.preventDefault();moveSelectedTxnRow(plan,-1);return}
    if(e.key==='Enter'){e.preventDefault();editSelectedTxnRow(plan);return}
    if(e.key==='Delete' || e.key==='Backspace'){e.preventDefault();deleteSelectedTxnRow(plan);return}
  }

  // Navigation shortcuts (number keys)
  const viewMap={'1':'dashboard','2':'tfsa','3':'fhsa','4':'rrsp','5':'annual','6':'tax','7':'insights'};
  if(viewMap[e.key]&&!e.ctrlKey&&!e.metaKey){showView(viewMap[e.key]);return}

  // N = new transaction (context-aware)
  if(e.key==='n'&&!e.ctrlKey&&!e.metaKey){
    if(curView==='tfsa')openModal('TFSA');
    else if(curView==='fhsa')openModal('FHSA');
  }
  // T = toggle theme
  if(e.key==='t'&&!e.ctrlKey&&!e.metaKey) toggleTheme();
  // I = open import assistant
  if(e.key==='i'&&!e.ctrlKey&&!e.metaKey) openImportAssistant();
  // P = print
  if(e.key==='p'&&!e.ctrlKey&&!e.metaKey) window.print();
  // ? = show keyboard help
  if(e.key==='?') showToast('Keys: 1-7 navigate • N new txn • I import • T theme • P print • ? help',null,4000);
});

// ═══════════════════════════════════════════════════
// INIT
// ═══════════════════════════════════════════════════
document.getElementById('csv-file').addEventListener('change',handleCsvFile);
document.getElementById('import-file').addEventListener('change',handleImportSourceFile);
const isFirstLoad=!load();
if(isFirstLoad){
  tT=expandT(INIT_T);fT=expandF(INIT_F);rT=cloneRrspSeed().txns;rrspYears=cloneRrspSeed().annual;rrspReceipts=cloneRrspSeed().receipts;rrspMeta=cloneRrspSeed().meta;trackerConfig=clone(CONFIG_DEFAULTS);uiPrefs=clone(UI_DEFAULTS);uiPrefs.demoSeedActive=true;profileState=buildInitialProfileStateFromCurrent();
  applyProfileBundle('p1');
}
seedNormalizedData();
if(!profileState) profileState=buildInitialProfileStateFromCurrent();
ensureProfileState();
const _rrspP1=profileState.profiles&&profileState.profiles.p1;
const _rrspLegacyMeta=(_rrspP1&&_rrspP1.rrsp&&_rrspP1.rrsp.meta&&typeof _rrspP1.rrsp.meta==='object')?_rrspP1.rrsp.meta:{};
const _rrspCurrentVersion=String((DEFAULT_RRSP_META&&DEFAULT_RRSP_META.moduleVersion)||'');
const _rrspExplicitUserEmpty=!!(_rrspP1&&_rrspP1.rrsp&&_rrspP1.rrsp.intentionalEmpty===true&&_rrspLegacyMeta&&_rrspLegacyMeta.userEmptyExplicitVersion===RRSP_EMPTY_EXPLICIT_VERSION&&String(_rrspLegacyMeta.moduleVersion||'')===_rrspCurrentVersion&&_rrspLegacyMeta.rrspInitialized===true);
if(_rrspP1 && !rrspStateHasData(_rrspP1.rrsp) && !_rrspExplicitUserEmpty){
  profileState.profiles.p1=normalizeProfileBundle(Object.assign({},_rrspP1,{rrsp:cloneRrspSeed(),resetMode:'seeded'}),'p1');
  if((profileState.active||'p1')==='p1') applyProfileBundle('p1');
}
captureCurrentProfile();
save(); // only write to localStorage on first-ever load (seeding defaults)
loadTheme();
registerPwaSupport();
syncResponsiveActionShell();
render();
if(_loadWarnings.length){setTimeout(()=>{_loadWarnings.forEach((msg,i)=>setTimeout(()=>showToast(msg,null,6500),i*300));},150)}

// Log self-test results to console (reuse cached)
if(!_cachedSelfTest) _cachedSelfTest=runSelfTest();
console.log('Engine self-test:',_cachedSelfTest.allPass?'ALL PASSED':'FAILURES DETECTED');
_cachedSelfTest.results.forEach(r=>console.log(`  ${r.pass?'✓':'✗'} ${r.label}: expected=${r.expected} actual=${safeNum(r.actual).toFixed(2)}`));




/* v14.13 mobile action shell hardening */
window.addEventListener('DOMContentLoaded',()=>{
  const shell=document.getElementById('mobile-actions-shell');
  if(!shell) return;
  const apply=()=>{
    const compact=(window.innerWidth<=768) && window.matchMedia && window.matchMedia('(pointer: coarse)').matches;
    shell.open=!compact;
  };
  apply();
  window.addEventListener('orientationchange',()=>setTimeout(apply,120));
  window.addEventListener('pageshow',()=>setTimeout(apply,60));
});



(function(){
  function isCompactHeaderMode(){
    return window.innerWidth<=768 && window.matchMedia && window.matchMedia('(pointer: coarse)').matches;
  }
  function syncCheckpoint4Header(){
    const shell=document.getElementById('mobile-actions-shell');
    if(!shell) return;
    shell.open = !isCompactHeaderMode() ? true : false;
  }
  window.addEventListener('DOMContentLoaded', syncCheckpoint4Header);
  window.addEventListener('pageshow', ()=>setTimeout(syncCheckpoint4Header, 50));
  window.addEventListener('orientationchange', ()=>setTimeout(syncCheckpoint4Header, 120));
  window.addEventListener('resize', syncCheckpoint4Header);
})();



(function(){
  function isCompactHeaderMode(){
    return window.innerWidth<=768 && window.matchMedia && window.matchMedia('(pointer: coarse)').matches;
  }
  function syncNavScrollHint(){
    const nav=document.querySelector('.nav.nav-main');
    const hint=document.getElementById('nav-scroll-hint');
    if(!nav||!hint) return;
    const canScroll=isCompactHeaderMode() && nav.scrollWidth > nav.clientWidth + 8;
    const atEnd=(nav.scrollLeft + nav.clientWidth) >= (nav.scrollWidth - 8);
    hint.hidden = !canScroll || atEnd;
  }
  function bindNavScrollHint(){
    const nav=document.querySelector('.nav.nav-main');
    if(!nav||nav.dataset.scrollHintBound==='1') return;
    nav.dataset.scrollHintBound='1';
    nav.addEventListener('scroll', syncNavScrollHint, {passive:true});
  }
  function syncFinalCleanup(){
    bindNavScrollHint();
    syncNavScrollHint();
    if(typeof updateProfileBar==='function'){ try{ updateProfileBar(); }catch(_){} }
  }
  window.addEventListener('DOMContentLoaded', syncFinalCleanup);
  window.addEventListener('pageshow', ()=>setTimeout(syncFinalCleanup, 60));
  window.addEventListener('orientationchange', ()=>setTimeout(syncFinalCleanup, 140));
  window.addEventListener('resize', ()=>setTimeout(syncFinalCleanup, 60));
})();