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+# money
+
+Statement-driven personal finance tracker. A data directory holds one folder per
+account; statements dropped into those folders are parsed into a rebuildable
+SQLite index, categorised by ordered glob rules, and browsed in a Bubble Tea TUI.
+
+Read `README.md` first — it is the user-facing reference for every config key.
+This file covers what the code assumes and why.
+
+## Layout
+
+```
+cmd/money/main.go     subcommands; the TUI is the default
+internal/config       rules.toml, account.toml, XDG config, data-root resolution
+internal/model        Account, Transaction, amount formatting, description normalisation
+internal/glob         the `*` / `?` matcher used by rules (linear time, no backtracking)
+internal/parser       Parser interface + registry; csv, cmd, nlb, revolut, traderepublic
+internal/store        SQLite index (modernc.org/sqlite, no cgo)
+internal/importer     directory walk, dedupe, balance checks
+internal/rules        applies ordered rules to rule_* columns only
+internal/report       per-tag aggregation, transfers excluded
+internal/tui          Bubble Tea models
+```
+
+## Invariants
+
+**Rule verdicts and manual edits never share a column.** `rule_tag` /
+`rule_transfer` are rewritten wholesale on every retag; `manual_tag` /
+`manual_transfer` are only ever written by the user. Effective values are
+`COALESCE(manual_*, rule_*)`. This is what makes `money retag` safe to run at
+any time, and it is the first thing to preserve when touching the schema or the
+rules engine. Covered by `TestManualTagSurvivesRetag`.
+
+**Statements are the source of truth; the index is disposable.** Deleting
+`.money/index.db` and re-importing must reproduce everything except manual tags
+and manual transfer marks.
+
+**Dedupe is by fingerprint**: `sha256(date | amount | normalised description |
+ordinal)`, where the ordinal distinguishes identical lines *within one
+statement*. Two identical purchases on one day both survive; the same line in an
+overlapping statement does not duplicate. Unchanged files are skipped by
+checksum before parsing at all — so an import with nothing new finishes in
+milliseconds. That is the checksum skip working, not a failure.
+
+**Money is `int64` minor units**, never a float. Per-account currency, no
+conversion, and totals are never summed across currencies.
+
+**First matching rule wins**, so transfer rules belong above general tag rules.
+A rule setting several of `match` / `counterparty` / `type` requires all of them.
+
+## Adding a bank parser
+
+Implement `parser.Parser` and call `parser.Register` from an `init`. Nothing
+else changes; the name becomes usable in an `account.toml`. Use
+`parser.ParseAmount` rather than hand-rolling decimal handling — it copes with
+`1.234,56`, trailing minus, parenthesised negatives, currency codes and both
+the ASCII hyphen and U+2212.
+
+Keep PDF text extraction separate from parsing: the bank parsers expose a pure
+`parseXText(text string, digits int)` so they can be tested against captured
+`pdftotext` output without a PDF fixture. `pdftotext -layout` (poppler-utils) is
+a runtime dependency of `nlb` and `traderepublic`; no Go library reconstructs
+column layout as well.
+
+Do not hardcode absolute column positions from a sample PDF. `pdftotext`
+compresses runs of spaces, so columns shift with font and page size — derive
+positions from the header line (`traderepublic`) or from the line being parsed
+(`nlb`).
+
+## Verifying
+
+```
+go build ./... && go test ./... && go vet ./... && gofmt -l .
+```
+
+For end-to-end checks, build a throwaway data root under the scratchpad rather
+than touching real data:
+
+```
+money --root /tmp/.../demo import
+money --root /tmp/.../demo import          # must report 0 new
+money --root /tmp/.../demo ls --wide
+```
+
+### Driving the TUI in tests
+
+Prefer feeding `tea.Msg` values to `Model.Update` directly — that is how every
+existing TUI test works, and it covers the keymap without a terminal.
+
+If a real terminal is genuinely needed, note that piping into `script` does not
+deliver keystrokes. Use a pty and answer the two capability queries Bubble Tea
+sends on startup, or the program blocks before its first render:
+
+- `ESC]11;?` (background colour) → reply `ESC]11;rgb:1e1e/1e1e/1e1e ESC\`
+- `ESC[6n` (cursor position) → reply `ESC[1;1R`
+
+Also delete the index first, or the import you are trying to observe will be
+skipped by checksum and finish instantly.
+
+## Conventions
+
+Comments explain why, not what. Errors name the file and the offending row or
+key so a bad statement is actionable. Per-file import failures are reported and
+the run continues; only a broken data root aborts.