<!--
Taigan Bridge — License

# Taigan Bridge — License

Copyright (c) 2026 Benjamin Eichhorn. All rights reserved.

Taigan Bridge is provided free of charge for personal, non-commercial use
by individual end users. The author retains all intellectual property
rights in the software, including its source code, design, structure,
content, and brand identity ("Taigan Bridge", 対岸, and the bridge mark).

## Official distribution channels

Taigan Bridge is distributed exclusively by the author through the
following official channels:

- The official GitHub repository maintained by the author
- The official Taigan Bridge website (taiganbridge.com), if and
  when launched
- Direct distribution by the author

Downloading Taigan Bridge from an official channel — including
cloning the public GitHub repository, downloading a release asset,
or using the hosted GitHub Pages demo — is fully authorized and
encouraged. The no-redistribution clause below applies to
re-publication of Taigan Bridge by any party other than the author.

## You may

- Download, install, and use Taigan Bridge for your own personal
  financial planning and organizational purposes.
- Share the original, unmodified distribution file with friends,
  family, and colleagues via direct transfer (email, messaging,
  private file share), provided this LICENSE.md and all author
  attribution remain intact. Public re-hosting is not permitted.
- Suggest improvements, report bugs, and provide feedback through
  the designated feedback channel.

## You may not

- Redistribute, mirror, or re-publish Taigan Bridge through any
  third-party platform, website, app store, marketplace, file-
  sharing service, or alternative repository without prior written
  permission from the author. The official channels listed above
  are the only authorized sources.
- Modify, fork, decompile, deobfuscate, or create derivative works
  for redistribution, public release, or commercial use.
- Strip, alter, or obscure the author attribution, copyright notice,
  build hash, license file, embedded canary identifiers, or "Taigan
  Bridge" branding.
- Use Taigan Bridge or any portion of its code, design, content, or
  branding in a competing product, paid service, consulting offering,
  or commercial tool of any kind.
- Use the names "Taigan Bridge," "Taigan," or the 対岸 mark in any
  product, service, or offering other than this software.
- Train, fine-tune, or otherwise incorporate this software or its
  contents into any machine learning model or dataset intended for
  redistribution.

## No warranty, no advice

Taigan Bridge is an organizational tool only. It is not financial,
tax, legal, or investment advice. The author is not a licensed
financial advisor, tax professional, attorney, or fiduciary. The
cost-of-mistake estimates, strategy timelines, and scenario models
are illustrative, not predictive.

Taigan Bridge is provided "AS IS," without warranty of any kind,
express or implied, including but not limited to warranties of
merchantability, fitness for a particular purpose, and non-
infringement. In no event shall the author be liable for any claim,
damages, or other liability — whether in an action of contract, tort,
or otherwise — arising from, out of, or in connection with the
software or the use or other dealings in the software.

You are responsible for consulting qualified professionals (CPAs,
tax attorneys, financial advisors, estate planners) for decisions
that affect your financial, tax, legal, or estate position. You
accept full responsibility for any actions taken based on output
from this tool.

## Not affiliated

Taigan Bridge is an independent project. It is not affiliated with,
endorsed by, or sponsored by the U.S. Department of Defense, the
Internal Revenue Service, the U.S. Department of Veterans Affairs,
the U.S. Department of State, FinCEN, the Government of Japan,
JA共済, any U.S. military service branch, or any U.S. or Japanese
government agency, financial institution, or contractor. References
to government forms, programs, treaties, or procedures are for
organizational reference only.

## Privacy

Taigan Bridge runs entirely in your browser. Your data is stored
only in your browser's local storage and never transmitted to the
author or any third party. The optional AI-assisted features connect
directly from your browser to Anthropic's API using a key you provide.
The author does not receive, log, store, or have access to your data,
your API key, or your usage of the tool.

## Forensic notice

This distribution contains embedded build identifiers and forensic
markers for the purpose of identifying unauthorized copies. Removal
or alteration of these markers does not grant rights under this
license and may constitute evidence of willful infringement.

## Permissions and contact

For licensing inquiries, redistribution permission, partnership
requests, or commercial use, contact: benjamin.eichhorn@gmail.com

By using Taigan Bridge, you acknowledge that you have read,
understood, and agreed to these terms.
-->
<!DOCTYPE html>
<html lang="en">
<!--
  Taigan Bridge — embedded build identifiers.
  Removal or alteration of these markers does not grant rights
  under the LICENSE and may constitute evidence of willful
  infringement (see LICENSE.md, "Forensic notice").
  c1: 4c6405a6-fbbc-45ab-a3fb-95dcb1543bdc
  c2: bf213f0a-76ff-4510-a8a0-3c437db8f150
  c3: 93028477-703b-4f43-b697-11f6b23ccd86
-->
<head>
  <meta charset="UTF-8">
  <meta name="viewport" content="width=device-width, initial-scale=1">
  <meta name="description" content="Taigan Bridge — financial planning organizer for Americans living in Japan. SOFA, FBAR, retirement, estate. Single-file, browser-only, BYO Claude API key.">
  <meta name="tb-version" content="1.0.2">
  <meta name="tb-build-hash" content="34b55d33">
  <meta name="tb-build-date" content="2026-06-08">
  <title>Taigan Bridge | 対岸</title>

  <link rel="icon" type="image/svg+xml" href="data:image/svg+xml;base64,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">

  <!-- Theme bootstrap. Runs BEFORE any CSS is parsed so the correct
       theme class lands on <html> before first paint (no flash of
       light theme when dark is stored, or vice versa). The OS
       preference (prefers-color-scheme) is intentionally NOT read —
       theme is app-controlled, persists per-browser via localStorage,
       and only changes when the user clicks the header toggle. -->
  <script>
    (function () {
      try {
        var stored = localStorage.getItem('tb-theme');
        var theme = (stored === 'dark' || stored === 'light') ? stored : 'light';
        document.documentElement.setAttribute('data-theme', theme);
      } catch (e) {
        document.documentElement.setAttribute('data-theme', 'light');
      }
    })();
  </script>

  <style data-source="styles/tokens.css">
/* Taigan Bridge — design tokens
 *
 * Centralized colors, typography, spacing, motion, radius, and shadow
 * values. Modules and components consume these via var(--token-name);
 * they should never hardcode hex values or pixel sizes.
 */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&family=Noto+Sans+JP:wght@400;500;700&display=swap');

:root {
  /* --- Brand & semantic palette (light) ------------------------- */
  --tb-navy:        #0E2A4F;  /* primary — deep navy, "the far shore" */
  --tb-navy-soft:   #1E3F6E;
  --tb-slate:       #5A6B7B;  /* warm slate secondary */
  --tb-slate-soft:  #8597A8;
  --tb-paper:       #F7F4EC;  /* paper background, slightly washi-ish */
  --tb-paper-2:     #FFFFFF;
  --tb-ink:         #1A1F2A;  /* near-black ink */
  --tb-ink-soft:    #45505F;
  --tb-line:        #DCD5C4;
  --tb-accent:      #B7472A;  /* terracotta accent */
  --tb-success:     #2F6F4E;
  --tb-warn:        #B97A1A;
  --tb-error:       #B23A3A;

  /* --- Track accents (badges, headers, dashboard cards) --------- */
  --tb-track-sofa:        #0E2A4F;  /* SOFA — navy */
  --tb-track-veteran:     #2C4A36;  /* Veteran — forest green */
  --tb-track-resident:    #6E6657;  /* Long-Term Resident — warm gray */
  --tb-track-family:      #6E2A3A;  /* Family — burgundy */
  --tb-track-property:    #9C5B3A;  /* Property — terracotta */
  --tb-track-tax:         #4A6B8A;  /* Tax Filing Coordinator — steel blue */
  --tb-track-estate:      #5A3E5A;  /* Estate / Cross-Border Succession — aubergine */
  --tb-track-ai:          #2E6B5C;  /* Ask Taigan — deep teal (intelligence/serenity) */
  --tb-track-history:     #8A7B5E;  /* Net Worth & Reports — warm khaki (time/growth) */
  --tb-track-health:      #B33A4A;  /* Healthcare — medical red (cross/care) */
  --tb-track-fx:          #2C7589;  /* FX & Banking — currency teal */
  --tb-track-retire:      #A07A2E;  /* Retirement Decumulation — gold */
  --tb-track-share:       #4A5C7A;  /* Sharing & Backup — slate blue */
  --tb-track-consult:     #6B4F7A;  /* Consultation Tracker — muted plum */

  /* --- Typography ----------------------------------------------- */
  --tb-font-en: 'Inter', system-ui, -apple-system, 'Segoe UI', Helvetica, Arial, sans-serif;
  --tb-font-jp: 'Noto Sans JP', 'Hiragino Sans', 'Yu Gothic', 'Meiryo', sans-serif;
  --tb-font-sans: var(--tb-font-en), var(--tb-font-jp);
  --tb-font-mono: 'JetBrains Mono', 'Consolas', 'Menlo', monospace;

  --tb-fs-12: 0.75rem;
  --tb-fs-14: 0.875rem;
  --tb-fs-16: 1rem;
  --tb-fs-18: 1.125rem;
  --tb-fs-22: 1.375rem;
  --tb-fs-28: 1.75rem;
  --tb-fs-40: 2.5rem;
  --tb-lh-tight: 1.2;
  --tb-lh-body: 1.5;
  --tb-lh-loose: 1.7;

  /* --- Spacing scale -------------------------------------------- */
  --tb-sp-1: 4px;
  --tb-sp-2: 8px;
  --tb-sp-3: 12px;
  --tb-sp-4: 16px;
  --tb-sp-5: 24px;
  --tb-sp-6: 32px;
  --tb-sp-7: 48px;
  --tb-sp-8: 64px;

  /* --- Radius / shadow / motion --------------------------------- */
  --tb-radius-1: 4px;
  --tb-radius-2: 8px;
  --tb-radius-3: 12px;
  --tb-radius-pill: 999px;

  --tb-shadow-1: 0 1px 2px rgba(14, 42, 79, 0.06), 0 1px 1px rgba(14, 42, 79, 0.04);
  --tb-shadow-2: 0 4px 12px rgba(14, 42, 79, 0.08), 0 2px 4px rgba(14, 42, 79, 0.04);
  --tb-shadow-3: 0 10px 30px rgba(14, 42, 79, 0.14), 0 4px 8px rgba(14, 42, 79, 0.06);

  --tb-motion-fast: 120ms;
  --tb-motion-base: 220ms;
  --tb-motion-slow: 380ms;
  --tb-ease: cubic-bezier(0.2, 0.7, 0.2, 1);

  /* --- Layout --------------------------------------------------- */
  --tb-max-width: 960px;
  --tb-header-h: 64px;

  /* --- Surface aliases ------------------------------------------ */
  --tb-bg: var(--tb-paper);
  --tb-bg-elev: var(--tb-paper-2);
  --tb-text: var(--tb-ink);
  --tb-text-soft: var(--tb-ink-soft);
  --tb-border: var(--tb-line);
}

/* Dark theme is APP-CONTROLLED, NOT OS-controlled.
 *
 * Previously this lived under @media (prefers-color-scheme: dark),
 * but that ties the rendered theme to the user's OS preference,
 * which can interfere when the user wants the app in one mode
 * regardless of system settings.
 *
 * The new contract: the inline <script> in <head> reads
 * localStorage('tb-theme') and writes <html data-theme="dark|light">
 * before any CSS paints. The toggle in the header header flips
 * that value. The OS preference is ignored entirely.
 */
:root[data-theme="dark"] {
  --tb-paper:    #14181F;
  --tb-paper-2:  #1B212B;
  --tb-ink:      #E9ECEF;
  --tb-ink-soft: #A6B0BD;
  --tb-line:     #2E3744;
  --tb-navy:     #6FA0D6;
  --tb-navy-soft:#3D6FA8;
  --tb-slate:    #93A4B5;

  --tb-track-sofa:     #6FA0D6;
  --tb-track-veteran:  #6FAE83;
  --tb-track-resident: #B6AC93;
  --tb-track-family:   #C77E91;
  --tb-track-property: #D29669;
  --tb-track-tax:      #8AA8C8;
  --tb-track-estate:   #A580A0;
  --tb-track-ai:       #6FB099;
  --tb-track-history:  #C4B392;
  --tb-track-health:   #E08593;
  --tb-track-fx:       #6FAEBE;
  --tb-track-retire:   #D6B675;
  --tb-track-share:    #8FA1BD;
  --tb-track-consult:  #A98AB7;

  --tb-shadow-1: 0 1px 2px rgba(0, 0, 0, 0.45);
  --tb-shadow-2: 0 4px 12px rgba(0, 0, 0, 0.45);
  --tb-shadow-3: 0 10px 30px rgba(0, 0, 0, 0.55);

  --tb-bg: var(--tb-paper);
  --tb-bg-elev: var(--tb-paper-2);
  --tb-text: var(--tb-ink);
  --tb-text-soft: var(--tb-ink-soft);
  --tb-border: var(--tb-line);
}

</style>
  <style data-source="styles/base.css">
/* Taigan Bridge — base styles */

*,
*::before,
*::after { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
  background: var(--tb-bg);
  color: var(--tb-text);
  font-family: var(--tb-font-sans);
  font-size: var(--tb-fs-16);
  line-height: var(--tb-lh-body);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

:lang(ja),
[lang="ja"] { font-family: var(--tb-font-jp), var(--tb-font-en); }

h1, h2, h3, h4 {
  font-family: var(--tb-font-sans);
  font-weight: 600;
  line-height: var(--tb-lh-tight);
  margin: 0 0 var(--tb-sp-3);
  color: var(--tb-text);
}
h1 { font-size: var(--tb-fs-28); letter-spacing: -0.01em; }
h2 { font-size: var(--tb-fs-22); }
h3 { font-size: var(--tb-fs-18); }
h4 { font-size: var(--tb-fs-16); }

p { margin: 0 0 var(--tb-sp-3); color: var(--tb-text); }
small { font-size: var(--tb-fs-12); color: var(--tb-text-soft); }

/* Belt-and-suspenders: Chrome on Windows in dark mode sometimes
   applies muted user-agent colors to inherited text elements unless
   we name the color explicitly on each container. This keeps body
   text legible whether the OS is in light or dark mode. */
li, dd, dt, td, th, label { color: var(--tb-text); }
section, article, aside, header, footer, main, nav { color: var(--tb-text); }

a {
  color: var(--tb-navy);
  text-decoration: none;
  border-bottom: 1px solid transparent;
  transition: border-color var(--tb-motion-fast) var(--tb-ease);
}
a:hover { border-bottom-color: currentColor; }

hr {
  border: 0;
  border-top: 1px solid var(--tb-border);
  margin: var(--tb-sp-5) 0;
}

code, pre, kbd {
  font-family: var(--tb-font-mono);
  font-size: 0.95em;
}

::selection { background: var(--tb-navy); color: #fff; }

/* --- Layout primitives --------------------------------------------- */

.tb-app {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

.tb-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--tb-sp-4);
  padding: var(--tb-sp-3) var(--tb-sp-5);
  border-bottom: 1px solid var(--tb-border);
  background: var(--tb-bg-elev);
  height: var(--tb-header-h);
  position: sticky;
  top: 0;
  z-index: 10;
}

/* --- Brand lockup --------------------------------------------------
   Three components, left → right:
     1. Mark (.tb-brand-mark) — torii-bridge SVG, currentColor + accent
     2. English stack (.tb-brand-name__en) — "Taigan" lead + "BRIDGE" tag
     3. Japanese name (.tb-brand-name__jp) — 対岸 in vermillion
   The whole lockup behaves as a single inline-flex group so
   alignment stays glued to the SVG baseline regardless of font size.
*/

.tb-brand {
  display: inline-flex;
  align-items: center;
  gap: var(--tb-sp-3);
  text-decoration: none;
  color: inherit;
  border-bottom: none; /* override generic <a> underline */
}
.tb-brand:hover { border-bottom: none; }

.tb-brand-mark {
  width: 44px;
  height: auto;
  flex: 0 0 auto;
  display: block;
  transition: transform var(--tb-motion-base) var(--tb-ease);
}
.tb-brand:hover .tb-brand-mark {
  transform: translateY(-1px);
}

/* SVG part colors driven by theme variables — no filter inversion hack. */
.tb-brand-mark__arch       { stroke: var(--tb-accent); }
.tb-brand-mark__reflection { stroke: var(--tb-accent); opacity: 0.45; }
.tb-brand-mark__deck       { stroke: var(--tb-navy); }
.tb-brand-mark__pier       { fill:   var(--tb-navy); }
.tb-brand-mark__water      { stroke: var(--tb-navy); opacity: 0.85; }
.tb-brand-mark__ripple     { stroke: var(--tb-navy); opacity: 0.4; }
.tb-brand-mark__ripple--fade { opacity: 0.28; }

.tb-brand-name {
  display: inline-flex;
  align-items: center;
  gap: var(--tb-sp-3);
  line-height: 1;
}

.tb-brand-name__en {
  display: inline-flex;
  flex-direction: column;
  gap: 4px;
  line-height: 1;
}

.tb-brand-name__title {
  font-family: var(--tb-font-en);
  font-weight: 700;
  font-size: 1.5rem;            /* 24px — slightly chunkier than the old 16px bold */
  letter-spacing: -0.018em;
  color: var(--tb-navy);
  line-height: 0.95;
}

.tb-brand-name__sub {
  font-family: var(--tb-font-en);
  font-weight: 500;
  font-size: 0.6875rem;         /* 11px — small caps tag under "Taigan" */
  letter-spacing: 0.32em;
  text-transform: uppercase;
  color: var(--tb-text-soft);
  line-height: 1;
}

.tb-brand-name__jp {
  font-family: var(--tb-font-jp);
  font-weight: 500;
  font-size: 1.5rem;            /* matches the English title size */
  letter-spacing: 0.06em;
  color: var(--tb-accent);
  line-height: 1;
  /* Visual divider: a vermillion-tinted dotted vertical between the
     English block and the kanji. Keeps the two scripts intentionally
     paired without a heavy border line. */
  padding-left: var(--tb-sp-3);
  border-left: 1px dotted var(--tb-accent);
  align-self: stretch;
  display: inline-flex;
  align-items: center;
}

/* Dark-mode polish: piers disappear into the navy header background
   in dark theme since --tb-navy is light blue there. We want them to
   stay visible — switch to the soft ink variable. */
[data-theme="dark"] .tb-brand-mark__deck,
[data-theme="dark"] .tb-brand-mark__pier,
[data-theme="dark"] .tb-brand-mark__water,
[data-theme="dark"] .tb-brand-mark__ripple {
  /* Re-route to the high-contrast text token, which IS legible on
     the dark elevated surface. */
  stroke: var(--tb-text);
  fill:   var(--tb-text);
}
[data-theme="dark"] .tb-brand-mark__water { opacity: 0.7; }
[data-theme="dark"] .tb-brand-mark__ripple { opacity: 0.35; }
[data-theme="dark"] .tb-brand-name__title { color: var(--tb-text); }

.tb-nav {
  display: flex;
  align-items: center;
  gap: var(--tb-sp-2);
}

.tb-main {
  flex: 1 0 auto;
  width: 100%;
  max-width: var(--tb-max-width);
  margin: 0 auto;
  padding: var(--tb-sp-6) var(--tb-sp-5);
}

/* Inserted by hosted-demo.js when the app is served from a non-
   file:// origin (i.e., the hosted preview at github.io). Sits at
   the very top of every page above ALL other banners so users
   never miss that they're on the demo preview, not their own
   downloaded copy. Distinctive red-orange so it visually
   dominates. Not dismissable. */
.tb-hosted-banner {
  background: #B7472A;
  color: #fff;
  padding: 12px 20px;
  font-size: 14px;
  line-height: 1.45;
  text-align: center;
  position: sticky;
  top: 0;
  z-index: 99999;
  box-shadow: 0 2px 10px rgba(0,0,0,0.35);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  flex-wrap: wrap;
  border-bottom: 3px solid #6E2A18;
}
.tb-hosted-banner strong {
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.tb-hosted-banner__body { opacity: 0.95; max-width: 720px; }
.tb-hosted-banner__cta {
  background: #fff;
  color: #B7472A !important;
  padding: 6px 16px;
  border-radius: 999px;
  text-decoration: none !important;
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.04em;
  white-space: nowrap;
  transition: transform 0.12s ease;
}
.tb-hosted-banner__cta:hover {
  transform: translateY(-1px);
  text-decoration: none;
}

/* Inserted by update-check.js when a newer release has been
   detected on github.io. Sits BELOW the disclaimer banner in
   document order — NOT sticky, so it scrolls away with the page
   (lower-stakes notice than the disclaimer/tamper/hosted bars).
   Neutral accent-blue so it reads as informational, not alarming.
   Dismissable per-version. */
.tb-update-banner {
  background: rgba(53, 99, 144, 0.10);
  border: 1px solid rgba(53, 99, 144, 0.30);
  border-left: 4px solid var(--tb-accent, #356390);
  color: var(--tb-text, #1f1f1f);
  padding: 10px 16px;
  margin: 10px auto;
  max-width: var(--tb-max-width, 1100px);
  border-radius: 8px;
  font-size: 13px;
  line-height: 1.5;
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}
.tb-update-banner__icon {
  font-size: 18px;
  line-height: 1;
  color: var(--tb-accent, #356390);
  flex: 0 0 auto;
}
.tb-update-banner__body { flex: 1 1 320px; }
.tb-update-banner__body strong { font-weight: 700; margin-right: 4px; }
.tb-update-banner__meta {
  color: var(--tb-text-soft, #6b6b6b);
  font-size: 12px;
  margin-left: 4px;
}
.tb-update-banner__actions {
  display: flex;
  gap: 8px;
  align-items: center;
  flex: 0 0 auto;
  flex-wrap: wrap;
}
.tb-update-banner__cta {
  background: var(--tb-accent, #356390);
  color: #fff !important;
  padding: 6px 14px;
  border-radius: 999px;
  text-decoration: none !important;
  font-weight: 600;
  font-size: 12px;
  letter-spacing: 0.03em;
  white-space: nowrap;
  transition: transform 0.12s ease, background 0.12s ease;
}
.tb-update-banner__cta:hover {
  transform: translateY(-1px);
  background: var(--tb-accent-deep, #2a4f74);
  text-decoration: none;
}
.tb-update-banner__dismiss {
  background: transparent;
  border: 1px solid rgba(0,0,0,0.18);
  color: var(--tb-text-soft, #6b6b6b);
  padding: 5px 12px;
  border-radius: 999px;
  cursor: pointer;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.02em;
}
.tb-update-banner__dismiss:hover {
  background: rgba(0,0,0,0.06);
  color: var(--tb-text, #1f1f1f);
}

/* Inserted by sample-data.js whenever the loaded state carries the
   _demo marker. Sticky strip across the top of the page that makes
   it impossible to confuse the fictional household with real data
   — important for screenshots and walkthroughs. */
.tb-demo-banner {
  background: #B97A1A;
  color: #fff;
  padding: 10px 16px;
  font-size: 13px;
  line-height: 1.4;
  text-align: center;
  position: sticky;
  top: 0;
  z-index: 99997;
  box-shadow: 0 2px 6px rgba(0,0,0,0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
}
.tb-demo-banner strong { font-weight: 800; letter-spacing: 0.02em; }
.tb-demo-banner__exit {
  background: rgba(0,0,0,0.18);
  color: #fff;
  border: 1px solid rgba(255,255,255,0.45);
  padding: 4px 12px;
  border-radius: 999px;
  cursor: pointer;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.04em;
}
.tb-demo-banner__exit:hover { background: rgba(0,0,0,0.35); }

/* Inserted by integrity.js when brand markers are missing —
   indicates the build has been tampered with / republished without
   permission. Sticks to the top of the viewport above EVERYTHING
   so it's hard to miss / hard to hide via single CSS-rule strip. */
.tb-tamper-banner {
  background: #B7472A;
  color: #fff;
  padding: 12px 20px;
  font-size: 14px;
  font-weight: 600;
  text-align: center;
  line-height: 1.5;
  border-bottom: 3px solid #6E2A18;
  position: sticky;
  top: 0;
  z-index: 99998;
  box-shadow: 0 2px 8px rgba(0,0,0,0.35);
}
.tb-tamper-banner strong { font-weight: 800; letter-spacing: 0.02em; }

.tb-disclaimer-banner {
  background: var(--tb-navy);
  color: #fff;
  padding: var(--tb-sp-2) var(--tb-sp-5);
  font-size: var(--tb-fs-12);
  text-align: center;
  letter-spacing: 0.02em;
  /* Flex layout so the live FX rate can sit on the right while the
     centered disclaimer text stays centered on wide viewports.
     Wraps to a stacked layout on narrow screens. */
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--tb-sp-3);
  flex-wrap: wrap;
  position: relative;
}

/* Live USD/JPY indicator on the right side of the disclaimer banner.
   Mid-market reference (Frankfurter / ECB). Visually muted relative
   to the disclaimer text — informational, not actionable. */
.tb-live-fx {
  position: absolute;
  right: var(--tb-sp-5);
  top: 50%;
  transform: translateY(-50%);
  display: inline-flex;
  align-items: baseline;
  gap: 6px;
  font-family: var(--tb-font-mono);
  font-size: var(--tb-fs-12);
  letter-spacing: 0.04em;
  opacity: 0.85;
  cursor: help;
}
.tb-live-fx[hidden] { display: none !important; }
.tb-live-fx__label {
  font-weight: 600;
  text-transform: uppercase;
  font-size: 10px;
  letter-spacing: 0.08em;
  opacity: 0.7;
}
.tb-live-fx__rate {
  font-weight: 700;
}
.tb-live-fx__source {
  font-size: 10px;
  opacity: 0.6;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
/* On narrow viewports drop absolute positioning so the live rate
   wraps below the disclaimer instead of overlapping it. */
@media (max-width: 640px) {
  .tb-live-fx {
    position: static;
    transform: none;
  }
}

.tb-footer {
  border-top: 1px solid var(--tb-border);
  padding: var(--tb-sp-5);
  text-align: center;
  color: var(--tb-text-soft);
  font-size: var(--tb-fs-12);
  background: var(--tb-bg-elev);
}

.tb-footer a { color: var(--tb-text-soft); }
.tb-footer .tb-build-meta {
  font-family: var(--tb-font-mono);
  letter-spacing: 0.04em;
}

/* Tips link in the footer — slightly emphasized so it reads as a
   call to action without dominating the row. Uses the same
   navy-on-cream as primary buttons but at small footer size. */
.tb-footer a.tb-footer-tip {
  color: var(--tb-navy, #0E2A4F);
  font-weight: 600;
  padding: 2px 8px;
  border-radius: 999px;
  background: rgba(14, 42, 79, 0.06);
  transition: background 0.15s ease;
}
.tb-footer a.tb-footer-tip:hover {
  background: rgba(14, 42, 79, 0.14);
  text-decoration: none;
}

/* --- Mobile / responsive ------------------------------------------- */

/* Tablet — most important breakpoint for reduced padding + font scale.
   At <= 768px the nav switches to a more compact layout and the main
   container loses its outer breathing room. */
@media (max-width: 768px) {
  :root {
    --tb-fs-28: 1.5rem;     /* 28px → 24px */
    --tb-fs-22: 1.2rem;     /* 22px → ~19px */
  }
  .tb-main { padding: var(--tb-sp-4) var(--tb-sp-3); }
  .tb-header { padding: var(--tb-sp-2) var(--tb-sp-3); gap: var(--tb-sp-2); }
  .tb-card { padding: var(--tb-sp-4); }
  /* Drop the kanji on tablet+phone — the mark + "Taigan / BRIDGE"
     stack already conveys the brand. */
  .tb-brand-name__jp { display: none; }
  .tb-brand-mark { width: 38px; }
  .tb-brand-name__title { font-size: 1.25rem; }
}

/* Phone — full-width tiles, single-column grid, tighter spacing. */
@media (max-width: 540px) {
  :root {
    --tb-fs-28: 1.4rem;
    --tb-fs-22: 1.15rem;
    --tb-sp-5: 16px;        /* 24 → 16 */
    --tb-sp-6: 20px;        /* 32 → 20 */
  }
  .tb-main { padding: var(--tb-sp-3) var(--tb-sp-2); }
  .tb-card { padding: var(--tb-sp-3); margin-bottom: var(--tb-sp-3); }
  /* Phone: also drop the BRIDGE subtag — keep just the mark + "Taigan". */
  .tb-brand-name__sub { display: none; }
  .tb-brand-name__title { font-size: 1.125rem; }
  .tb-brand-mark { width: 32px; }
  /* Card grid — tiles already responsive via auto-fill minmax(260px),
     but on phones force single-column for better readability. */
  .tb-card-grid { grid-template-columns: 1fr; gap: var(--tb-sp-3); }
  /* Modals fill viewport on phones (with small margins). */
  .tb-modal { width: calc(100% - var(--tb-sp-3) * 2); margin: var(--tb-sp-3); }
  /* Tighten the dashboard track-strip chips. */
  .tb-track-strip { gap: var(--tb-sp-1); }
  /* Wrap header nav buttons. */
  .tb-nav { flex-wrap: wrap; }
}

/* --- Print --------------------------------------------------------- */

@media print {
  /* Strip chrome */
  .tb-header, .tb-footer, .tb-nav, .tb-disclaimer-banner,
  .tb-modal-backdrop, .tb-loading,
  details > summary,
  [data-print-hide],
  .tb-btn { display: none !important; }

  /* Force-show details bodies (would otherwise hide when collapsed) */
  details > * { display: block !important; }

  /* Reset surfaces to print-friendly white */
  body, .tb-main {
    background: #fff !important;
    color: #000 !important;
  }
  .tb-main { max-width: 100%; padding: 0; }
  .tb-card {
    background: #fff !important;
    border: 1px solid #ccc !important;
    box-shadow: none !important;
    page-break-inside: avoid;
    margin-bottom: 12pt;
  }
  /* Force readable colors on text — print should be strict black on white */
  .tb-card *:not(.tb-badge):not(a) {
    color: #000 !important;
  }
  .tb-field-help, .tb-card-meta {
    color: #555 !important;
  }
  /* Track stripe at top of cards — keep but render in grayscale */
  [data-track] {
    border-top-color: #999 !important;
  }
  /* Links print as plain text + URL */
  a { text-decoration: underline; color: #000 !important; }
  a[href^="http"]::after {
    content: " (" attr(href) ")";
    font-size: 80%;
    color: #555;
  }
  a[href^="#"]::after { content: ""; }

  /* When the user clicks "Print this card", we add data-print-only to
     the body and the target card gets data-print-target. Hide
     everything else in tb-main. */
  body[data-print-only] .tb-main > *:not([data-print-target]) {
    display: none !important;
  }
  body[data-print-only] .tb-main > [data-print-target] {
    display: block !important;
  }

  /* Page numbering + meta footer for printed pages */
  @page {
    margin: 0.6in;
    size: letter;
  }

  /* h2 / h3 stay together with following paragraph */
  h1, h2, h3 { page-break-after: avoid; }
  table { page-break-inside: avoid; }

  /* Hide the customize panel on print — it's interactive UI */
  details { page-break-inside: avoid; }
}

/* --- Loading ------------------------------------------------------- */

.tb-loading {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 200px;
  color: var(--tb-text-soft);
  font-size: var(--tb-fs-14);
  letter-spacing: 0.04em;
}

/* --- Visually hidden ----------------------------------------------- */

.tb-sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

/* --- Accessibility overrides (driven by Settings → Accessibility) -- */

/* High-contrast: bump border weight, darken muted text, lift card
   backgrounds away from the page background, and add a focus ring
   that's clearly visible against any track theme. */
:root[data-tb-contrast="high"] {
  --tb-text-soft: #1f2937;
  --tb-border: #1f2937;
  --tb-bg: #ffffff;
}
:root[data-tb-contrast="high"] .tb-card {
  border-width: 2px;
  box-shadow: 0 0 0 1px rgba(0, 0, 0, 0.2) inset;
}
:root[data-tb-contrast="high"] a {
  text-decoration: underline;
}
:root[data-tb-contrast="high"] :focus-visible {
  outline: 3px solid #ff7a00;
  outline-offset: 2px;
}
:root[data-tb-contrast="high"] .tb-btn {
  border-width: 2px;
}

/* Reduced motion: collapse all transitions and animations. Honors the
   user's explicit toggle in Settings, on top of the existing
   prefers-reduced-motion media query. */
:root[data-tb-motion="reduced"] *,
:root[data-tb-motion="reduced"] *::before,
:root[data-tb-motion="reduced"] *::after {
  animation-duration: 0.001ms !important;
  animation-iteration-count: 1 !important;
  transition-duration: 0.001ms !important;
  scroll-behavior: auto !important;
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
}

</style>
  <style data-source="styles/components.css">
/* Taigan Bridge — components */

/* --- Card ---------------------------------------------------------- */

.tb-card {
  background: var(--tb-bg-elev);
  border: 1px solid var(--tb-border);
  border-radius: var(--tb-radius-3);
  padding: var(--tb-sp-5);
  box-shadow: var(--tb-shadow-1);
  margin-bottom: var(--tb-sp-4);
}

.tb-card h2:first-child,
.tb-card h3:first-child { margin-top: 0; }

.tb-card-grid {
  display: grid;
  gap: var(--tb-sp-4);
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
}

.tb-card.is-locked {
  opacity: 0.55;
  filter: grayscale(0.4);
}

.tb-card-meta {
  display: flex;
  align-items: center;
  gap: var(--tb-sp-2);
  margin-bottom: var(--tb-sp-2);
  font-size: var(--tb-fs-12);
  color: var(--tb-text-soft);
}
/* When .tb-card-meta is applied to a <p> (subtitle text), override
 * the flex layout — paragraphs need to flow as text. The flex layout
 * with `gap` between every flex item breaks text flow when inline
 * elements (e.g., glossary-annotated terms or JP-term ruby spans)
 * are inserted into the paragraph. Block display restores normal
 * inline flow with no inter-word gaps. */
p.tb-card-meta {
  display: block;
  line-height: var(--tb-lh-body);
}

/* --- Button -------------------------------------------------------- */

.tb-btn {
  --bg: var(--tb-navy);
  --fg: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--tb-sp-2);
  padding: var(--tb-sp-3) var(--tb-sp-4);
  font: inherit;
  font-weight: 500;
  font-size: var(--tb-fs-14);
  border: 1px solid transparent;
  border-radius: var(--tb-radius-2);
  background: var(--bg);
  color: var(--fg);
  cursor: pointer;
  transition: transform var(--tb-motion-fast) var(--tb-ease),
              background var(--tb-motion-fast) var(--tb-ease),
              box-shadow var(--tb-motion-fast) var(--tb-ease);
  text-decoration: none;
}

.tb-btn:hover { background: var(--tb-navy-soft); }
.tb-btn:active { transform: translateY(1px); }
.tb-btn:focus-visible { outline: 2px solid var(--tb-navy); outline-offset: 2px; }
.tb-btn[disabled] { opacity: 0.5; cursor: not-allowed; }

.tb-btn--secondary {
  --bg: transparent;
  --fg: var(--tb-text);
  border-color: var(--tb-border);
}
.tb-btn--secondary:hover {
  --bg: var(--tb-bg);
  border-color: var(--tb-text-soft);
}

.tb-btn--ghost {
  --bg: transparent;
  --fg: var(--tb-text-soft);
}
.tb-btn--ghost:hover { --fg: var(--tb-text); background: transparent; }

.tb-btn--danger {
  --bg: var(--tb-error);
  --fg: #fff;
}
.tb-btn--danger:hover { filter: brightness(0.92); }

.tb-btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: var(--tb-sp-2);
  margin-top: var(--tb-sp-4);
}

/* --- Input --------------------------------------------------------- */

.tb-field {
  display: block;
  margin-bottom: var(--tb-sp-4);
}

.tb-field-label {
  display: block;
  font-weight: 500;
  font-size: var(--tb-fs-14);
  margin-bottom: var(--tb-sp-1);
  color: var(--tb-text);
}

.tb-field-help {
  margin-top: var(--tb-sp-1);
  font-size: var(--tb-fs-12);
  color: var(--tb-text-soft);
}

.tb-input,
.tb-select,
.tb-textarea {
  display: block;
  width: 100%;
  padding: var(--tb-sp-3);
  font: inherit;
  font-size: var(--tb-fs-14);
  background: var(--tb-bg);
  color: var(--tb-text);
  border: 1px solid var(--tb-border);
  border-radius: var(--tb-radius-2);
  transition: border-color var(--tb-motion-fast) var(--tb-ease),
              box-shadow var(--tb-motion-fast) var(--tb-ease);
}

.tb-input:focus,
.tb-select:focus,
.tb-textarea:focus {
  outline: none;
  border-color: var(--tb-navy);
  box-shadow: 0 0 0 3px rgba(14, 42, 79, 0.15);
}

.tb-textarea { min-height: 120px; resize: vertical; }

/* Native date / time picker icons render dark-on-dark in Chrome's
   dark mode. Invert and brighten so they're visible against the
   dark input background. App-controlled — see tokens.css. */
:root[data-theme="dark"] input[type="date"]::-webkit-calendar-picker-indicator,
:root[data-theme="dark"] input[type="datetime-local"]::-webkit-calendar-picker-indicator,
:root[data-theme="dark"] input[type="month"]::-webkit-calendar-picker-indicator,
:root[data-theme="dark"] input[type="time"]::-webkit-calendar-picker-indicator,
:root[data-theme="dark"] input[type="week"]::-webkit-calendar-picker-indicator {
  filter: invert(0.85) opacity(0.85);
  cursor: pointer;
  padding: 2px;
  border-radius: 3px;
}
:root[data-theme="dark"] input[type="date"]::-webkit-calendar-picker-indicator:hover,
:root[data-theme="dark"] input[type="datetime-local"]::-webkit-calendar-picker-indicator:hover,
:root[data-theme="dark"] input[type="month"]::-webkit-calendar-picker-indicator:hover {
  background-color: rgba(255, 255, 255, 0.08);
  filter: invert(1);
}
/* Number-input spinner buttons are also lossy in dark mode. */
:root[data-theme="dark"] input[type="number"]::-webkit-inner-spin-button,
:root[data-theme="dark"] input[type="number"]::-webkit-outer-spin-button {
  filter: invert(0.85) opacity(0.85);
}

.tb-radio-group,
.tb-checkbox-group {
  display: grid;
  gap: var(--tb-sp-2);
}

.tb-radio,
.tb-checkbox {
  display: flex;
  align-items: flex-start;
  gap: var(--tb-sp-3);
  padding: var(--tb-sp-3);
  border: 1px solid var(--tb-border);
  border-radius: var(--tb-radius-2);
  background: var(--tb-bg);
  color: var(--tb-text);
  font-size: var(--tb-fs-14);
  cursor: pointer;
  transition: border-color var(--tb-motion-fast) var(--tb-ease),
              background var(--tb-motion-fast) var(--tb-ease);
}

/* Make sure label text inside the option is full-strength.
   Some browsers (Chrome on Windows in particular) apply muted
   user-agent colors to <label> descendants in dark mode unless
   we name the color explicitly. */
.tb-radio > div,
.tb-checkbox > div { color: var(--tb-text); }
.tb-radio > div > div:first-child,
.tb-checkbox > div > div:first-child {
  color: var(--tb-text);
  font-weight: 500;
  line-height: var(--tb-lh-tight);
}
.tb-radio small,
.tb-checkbox small {
  display: block;
  margin-top: 2px;
  color: var(--tb-text-soft);
}

.tb-radio:hover,
.tb-checkbox:hover { border-color: var(--tb-text-soft); }

.tb-radio input,
.tb-checkbox input { margin-top: 2px; }

.tb-radio.is-selected,
.tb-checkbox.is-selected {
  border-color: var(--tb-navy);
  background: var(--tb-bg-elev);
  box-shadow: var(--tb-shadow-1);
}

/* --- Modal --------------------------------------------------------- */

.tb-modal-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(14, 24, 38, 0.55);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--tb-sp-5);
  z-index: 100;
  backdrop-filter: blur(2px);
}

.tb-modal {
  background: var(--tb-bg-elev);
  border-radius: var(--tb-radius-3);
  box-shadow: var(--tb-shadow-3);
  max-width: 640px;
  width: 100%;
  max-height: 80vh;
  overflow: auto;
  padding: var(--tb-sp-6);
}

.tb-modal h1 { font-size: var(--tb-fs-22); }
.tb-modal h2 { font-size: var(--tb-fs-18); margin-top: var(--tb-sp-5); }

.tb-modal-close {
  position: sticky;
  top: 0;
  float: right;
  background: transparent;
  border: 0;
  font-size: var(--tb-fs-22);
  cursor: pointer;
  color: var(--tb-text-soft);
}

/* Markdown body inside overlay modals (License, Changelog).
   Compact but still readable — these are reference docs the user
   skims rather than reads cover-to-cover. */
.tb-md-body { font-size: var(--tb-fs-14); line-height: 1.55; color: var(--tb-text); }
.tb-md-body h1 { font-size: var(--tb-fs-18); margin: var(--tb-sp-4) 0 var(--tb-sp-2); color: var(--tb-text); }
.tb-md-body h2 { font-size: var(--tb-fs-16); margin: var(--tb-sp-4) 0 var(--tb-sp-2); color: var(--tb-text);
  border-bottom: 1px solid var(--tb-border); padding-bottom: 4px; }
.tb-md-body h3 { font-size: var(--tb-fs-14); margin: var(--tb-sp-3) 0 var(--tb-sp-1); font-weight: 700;
  color: var(--tb-text-soft); text-transform: uppercase; letter-spacing: 0.04em; }
.tb-md-body h4, .tb-md-body h5, .tb-md-body h6 { font-size: var(--tb-fs-14); margin: var(--tb-sp-3) 0 var(--tb-sp-1); }
.tb-md-body p { margin: 0 0 var(--tb-sp-2); }
.tb-md-body ul, .tb-md-body ol { margin: 0 0 var(--tb-sp-2); padding-left: var(--tb-sp-5); }
.tb-md-body li { margin-bottom: 4px; }
.tb-md-body code {
  font-family: var(--tb-font-mono);
  font-size: 0.92em;
  background: var(--tb-bg);
  padding: 1px 5px;
  border-radius: 3px;
  border: 1px solid var(--tb-border);
}
.tb-md-body hr { margin: var(--tb-sp-4) 0; border: 0; border-top: 1px solid var(--tb-border); }
.tb-md-body a { color: var(--tb-navy); }
.tb-md-body a:hover { text-decoration: underline; }

/* --- Wizard / progress -------------------------------------------- */

.tb-wizard-progress {
  display: flex;
  gap: var(--tb-sp-1);
  margin-bottom: var(--tb-sp-5);
}

.tb-wizard-step {
  flex: 1;
  height: 4px;
  background: var(--tb-border);
  border-radius: var(--tb-radius-pill);
  transition: background var(--tb-motion-base) var(--tb-ease);
}

.tb-wizard-step.is-done { background: var(--tb-navy); }
.tb-wizard-step.is-current { background: var(--tb-navy-soft); }

.tb-wizard-question {
  font-size: var(--tb-fs-22);
  font-weight: 600;
  margin-bottom: var(--tb-sp-2);
}

.tb-wizard-help {
  color: var(--tb-text-soft);
  margin-bottom: var(--tb-sp-5);
}

/* --- Module SVG icons ---------------------------------------------- */
/* TB.icons.get(moduleId) returns an inline SVG with class "tb-icon".
   Theme behavior:
     • Stroke inherits from `color` (currentColor) so a parent setting
       `color: var(--tb-track-tax)` will tint the whole icon to match.
     • Vermillion accent details (one per icon) carry their own
       stroke="var(--tb-accent)" so they stay vermillion across all
       track themes — a unified "this is the distinguishing detail."
     • In dark mode, --tb-accent stays terracotta; the strokes follow
       the brighter track colors automatically. */

.tb-icon {
  display: inline-block;
  vertical-align: middle;
  /* Default size — most callers override via opts.size. */
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  /* Crisp 1px strokes on hi-dpi displays. */
  shape-rendering: geometricPrecision;
  transition: color var(--tb-motion-fast) var(--tb-ease);
}

/* Header icon buttons — square aspect, centered icon, subtle hover
   tint. Keeps the search / print / view-mode / theme buttons visually
   coherent with the new module SVG icons (no more emoji silhouettes). */
.tb-icon-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--tb-sp-2);
  padding: 6px 10px;
  min-height: 36px;
  color: var(--tb-text-soft);
  transition: color var(--tb-motion-fast) var(--tb-ease),
              background var(--tb-motion-fast) var(--tb-ease);
}
.tb-icon-btn:hover {
  color: var(--tb-text);
}
.tb-icon-btn:focus-visible {
  outline: 2px solid var(--tb-accent);
  outline-offset: 2px;
}

.tb-icon-slot {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  /* Reserves space at the size we hydrate the SVG to (20px). Prevents
     layout-shift between initial paint and TB.icons hydration. */
  width: 20px;
  height: 20px;
  line-height: 0;
}

/* When the icon sits next to text in a header, give it a hair of
   breathing room so the descender on letters doesn't crash into it. */
h1 .tb-icon, h2 .tb-icon, h3 .tb-icon {
  vertical-align: -0.18em;
}

/* --- Search palette (⌘K / Ctrl+K) ---------------------------------- */

.tb-search-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(14, 24, 38, 0.55);
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding-top: 12vh;
  padding-left: var(--tb-sp-4);
  padding-right: var(--tb-sp-4);
  z-index: 200;             /* above the regular modal layer (z 100) */
  backdrop-filter: blur(3px);
  animation: tb-search-fade-in 120ms var(--tb-ease);
}

@keyframes tb-search-fade-in {
  from { opacity: 0; }
  to   { opacity: 1; }
}

.tb-search-panel {
  width: 100%;
  max-width: 640px;
  max-height: 70vh;
  background: var(--tb-bg-elev);
  border-radius: var(--tb-radius-3);
  box-shadow: var(--tb-shadow-3);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  border: 1px solid var(--tb-border);
}

.tb-search-header {
  display: flex;
  align-items: center;
  gap: var(--tb-sp-3);
  padding: var(--tb-sp-3) var(--tb-sp-4);
  border-bottom: 1px solid var(--tb-border);
  background: var(--tb-bg-elev);
}

.tb-search-icon {
  font-size: 1.25rem;
  flex: 0 0 auto;
  opacity: 0.85;
}

.tb-search-input {
  flex: 1 1 auto;
  border: 0;
  outline: 0;
  background: transparent;
  color: var(--tb-text);
  font-family: var(--tb-font-sans);
  font-size: var(--tb-fs-18);
  padding: 4px 0;
}

.tb-search-input::placeholder {
  color: var(--tb-text-soft);
  font-weight: 400;
}

.tb-search-kbd {
  font-family: var(--tb-font-mono);
  font-size: 11px;
  padding: 2px 6px;
  border: 1px solid var(--tb-border);
  border-radius: 4px;
  background: var(--tb-bg);
  color: var(--tb-text-soft);
  box-shadow: 0 1px 0 var(--tb-border);
  margin-left: 2px;
}

.tb-search-results {
  flex: 1 1 auto;
  overflow-y: auto;
  overscroll-behavior: contain;
  padding: var(--tb-sp-1) 0;
}

.tb-search-grouplabel {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--tb-text-soft);
  padding: var(--tb-sp-3) var(--tb-sp-4) var(--tb-sp-1);
  position: sticky;
  top: 0;
  background: var(--tb-bg-elev);
  z-index: 1;
}

.tb-search-row {
  display: flex;
  align-items: center;
  gap: var(--tb-sp-3);
  padding: var(--tb-sp-2) var(--tb-sp-4);
  cursor: pointer;
  border-left: 3px solid transparent;
  transition: background var(--tb-motion-fast) var(--tb-ease),
              border-color var(--tb-motion-fast) var(--tb-ease);
}

.tb-search-row:hover,
.tb-search-row.is-active {
  background: rgba(14, 42, 79, 0.06);
  border-left-color: var(--tb-accent);
}

[data-theme="dark"] .tb-search-row:hover,
[data-theme="dark"] .tb-search-row.is-active {
  background: rgba(255, 255, 255, 0.05);
}

.tb-search-row__icon {
  font-size: 1.15rem;
  width: 1.6em;
  text-align: center;
  flex: 0 0 auto;
  opacity: 0.85;
}

.tb-search-row__main {
  flex: 1 1 auto;
  min-width: 0;
}

.tb-search-row__title {
  font-size: var(--tb-fs-14);
  font-weight: 500;
  color: var(--tb-text);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  line-height: 1.3;
}

.tb-search-row__sub {
  font-size: 11px;
  color: var(--tb-text-soft);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  margin-top: 2px;
  line-height: 1.3;
}

.tb-search-row__kind {
  flex: 0 0 auto;
  font-family: var(--tb-font-mono);
  font-size: 9px;
  letter-spacing: 0.08em;
  padding: 2px 6px;
  border-radius: var(--tb-radius-pill);
  background: var(--tb-bg);
  color: var(--tb-text-soft);
  border: 1px solid var(--tb-border);
}

.tb-search-mark {
  background: rgba(183, 71, 42, 0.18);   /* terracotta accent tinted */
  color: inherit;
  padding: 0 1px;
  border-radius: 2px;
}

.tb-search-empty {
  padding: var(--tb-sp-5) var(--tb-sp-4);
  text-align: center;
  color: var(--tb-text-soft);
  font-size: var(--tb-fs-14);
}

.tb-search-clear-row {
  padding: var(--tb-sp-2) var(--tb-sp-4);
  text-align: right;
  border-top: 1px dashed var(--tb-border);
}

.tb-search-clear {
  font-size: 11px;
  color: var(--tb-text-soft);
}

.tb-search-footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: var(--tb-sp-2) var(--tb-sp-4);
  border-top: 1px solid var(--tb-border);
  background: var(--tb-bg);
  font-size: 11px;
  color: var(--tb-text-soft);
  flex-wrap: wrap;
  gap: var(--tb-sp-2);
}

.tb-search-meta {
  font-family: var(--tb-font-mono);
}

/* Header search button — sits between print and theme toggle.
   Picks up hover/focus from the .tb-btn ghost variant. The kbd hint
   inside is hidden on small screens. */
.tb-search-trigger .tb-search-trigger__hint {
  margin-left: var(--tb-sp-2);
  display: inline-flex;
  align-items: center;
  gap: 2px;
  vertical-align: middle;
}

@media (max-width: 768px) {
  .tb-search-trigger .tb-search-trigger__hint { display: none; }
  .tb-search-backdrop { padding-top: 6vh; }
  .tb-search-panel { max-height: 80vh; }
  .tb-search-input { font-size: var(--tb-fs-16); }
}

/* Print: never show the palette. */
@media print {
  .tb-search-backdrop { display: none !important; }
}

/* --- Badges -------------------------------------------------------- */

.tb-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--tb-sp-1);
  padding: 2px var(--tb-sp-2);
  border-radius: var(--tb-radius-pill);
  font-size: var(--tb-fs-12);
  font-weight: 500;
  background: var(--tb-bg);
  border: 1px solid var(--tb-border);
  color: var(--tb-text);
}

.tb-disclaimer-inline {
  border-left: 3px solid var(--tb-warn);
  padding: var(--tb-sp-3) var(--tb-sp-4);
  background: rgba(185, 122, 26, 0.08);
  border-radius: var(--tb-radius-2);
  font-size: var(--tb-fs-14);
  margin: var(--tb-sp-4) 0;
  color: var(--tb-text);
}

/* --- Dropzone (drag-and-drop file upload) -------------------------
 * Applied via TB.utils.attachFileDrop. Any element wrapped becomes a
 * drop target with a colored highlight + overlay text on dragover.
 * The overlay text comes from the data-dropzone-text attribute so
 * each site can customize ("Drop passport here", "Drop FBAR statement
 * here", etc.). Uses position: relative + ::after overlay so the
 * existing card content stays in place.
 */
.tb-dropzone {
  position: relative;
  transition: background var(--tb-motion-fast) var(--tb-ease),
              border-color var(--tb-motion-fast) var(--tb-ease);
}
.tb-dropzone-active {
  background: rgba(14, 42, 79, 0.06);
}
.tb-dropzone-active::after {
  content: attr(data-dropzone-text);
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(14, 42, 79, 0.92);
  color: #fff;
  font-weight: 700;
  font-size: var(--tb-fs-22);
  letter-spacing: 0.02em;
  pointer-events: none;
  border-radius: inherit;
  z-index: 100;
  outline: 3px dashed rgba(255, 255, 255, 0.85);
  outline-offset: -8px;
}
:root[data-theme="dark"] .tb-dropzone-active {
  background: rgba(111, 160, 214, 0.10);
}
:root[data-theme="dark"] .tb-dropzone-active::after {
  background: rgba(30, 63, 110, 0.96);
}

/* --- Currency pair (Projections USD/JPY toggle) -------------------
 * Every USD value in Projections is rendered with its JPY equivalent
 * as a smaller, dim secondary value. Clicking the secondary toggles
 * which currency is primary across the whole module.
 *
 * Two variants:
 *   .tb-currency-pair--stacked (default) — primary at full size on top,
 *     secondary much smaller below, slightly indented to the right.
 *     Used in tiles, table cells, hover panel — everywhere a value
 *     stands alone. Solves the truncation problem from the previous
 *     inline parenthetical design.
 *   .tb-currency-pair--inline — primary then "(secondary)" on the
 *     same line. Used in flowing paragraphs (lifetime tax callouts,
 *     verdict line) where stacking would break sentence flow.
 */

/* Common styling — both variants share the secondary's color/cursor */
.tb-currency-secondary {
  color: var(--tb-text-soft);
  cursor: pointer;
  border-radius: 2px;
  transition: background var(--tb-motion-fast) var(--tb-ease),
              color var(--tb-motion-fast) var(--tb-ease);
  /* clamp font size so it stays readable in tiny table cells AND
   * doesn't blow up next to large tile numbers. min 9px / max 16px. */
  font-size: clamp(9px, 0.62em, 16px);
}
.tb-currency-secondary:hover {
  background: rgba(14, 42, 79, 0.08);
  color: var(--tb-navy);
}
:root[data-theme="dark"] .tb-currency-secondary:hover {
  background: rgba(111, 160, 214, 0.12);
}

/* Stacked layout — primary on top, secondary below at smaller size,
 * slightly indented to the right (padding-left) so it visually
 * "tucks under" the primary number. */
.tb-currency-pair--stacked {
  display: inline-flex;
  flex-direction: column;
  align-items: flex-start;
  vertical-align: middle;
  line-height: 1.1;
}
.tb-currency-pair--stacked .tb-currency-primary {
  /* Inherit parent font-size + weight unchanged. */
  white-space: nowrap;
}
.tb-currency-pair--stacked .tb-currency-secondary {
  padding: 0 4px 0 12px;   /* indent right under the primary */
  margin-top: 1px;
  white-space: nowrap;
  font-weight: 400;        /* always lighter than primary */
}

/* Inline layout — secondary follows primary on the same line in
 * smaller text. Used in flowing prose. */
.tb-currency-pair--inline {
  display: inline;
  white-space: nowrap;
}
.tb-currency-pair--inline .tb-currency-secondary {
  padding: 0 2px;
  margin-left: 2px;
  font-size: clamp(10px, 0.78em, 16px);  /* a bit larger when inline */
}

/* --- Slider (custom range input) ----------------------------------
 * Used by Projections (and any future module needing live-feedback
 * scalar input). The CSS overrides the native <input type="range">
 * styling cross-browser so we get the dual-track look (filled portion
 * in accent color, remainder in slate). The track-fill effect is
 * implemented with a CSS variable `--tb-slider-pct` set by JS on
 * input events to a 0-100 number — no JS animation needed.
 */
.tb-slider {
  display: block;
  margin: var(--tb-sp-2) 0 var(--tb-sp-1);
}
.tb-slider-header {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: var(--tb-sp-2);
  margin-bottom: var(--tb-sp-1);
}
.tb-slider-label {
  font-weight: 600;
  font-size: var(--tb-fs-12);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--tb-text-soft);
}
.tb-slider-value {
  font-family: var(--tb-font-mono);
  font-weight: 700;
  font-size: var(--tb-fs-22);
  color: var(--tb-accent);
  margin-left: auto;
}
.tb-slider-side {
  font-family: var(--tb-font-mono);
  font-size: var(--tb-fs-12);
  color: var(--tb-text-soft);
}

.tb-slider input[type="range"] {
  -webkit-appearance: none;
     -moz-appearance: none;
          appearance: none;
  width: 100%;
  height: 8px;
  background: linear-gradient(
    to right,
    var(--tb-accent) 0%,
    var(--tb-accent) calc(var(--tb-slider-pct, 0) * 1%),
    var(--tb-border) calc(var(--tb-slider-pct, 0) * 1%),
    var(--tb-border) 100%
  );
  border-radius: 999px;
  outline: none;
  cursor: pointer;
  margin: 0;
}
.tb-slider input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--tb-bg-elev);
  border: 2px solid var(--tb-accent);
  cursor: grab;
  transition: transform var(--tb-motion-fast) var(--tb-ease);
}
.tb-slider input[type="range"]::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--tb-bg-elev);
  border: 2px solid var(--tb-accent);
  cursor: grab;
}
.tb-slider input[type="range"]:active::-webkit-slider-thumb { transform: scale(1.15); cursor: grabbing; }
.tb-slider input[type="range"]:focus-visible {
  outline: 2px solid var(--tb-navy);
  outline-offset: 4px;
}

.tb-slider-ticks {
  display: flex;
  justify-content: space-between;
  margin-top: var(--tb-sp-1);
  font-size: var(--tb-fs-12);
  color: var(--tb-text-soft);
  font-family: var(--tb-font-mono);
}
.tb-slider-help {
  margin-top: var(--tb-sp-1);
  font-size: var(--tb-fs-12);
  color: var(--tb-text-soft);
}

/* Variant: green accent (e.g., SS start age — investing-good-thing color) */
.tb-slider--success input[type="range"] {
  background: linear-gradient(
    to right,
    var(--tb-success) 0%,
    var(--tb-success) calc(var(--tb-slider-pct, 0) * 1%),
    var(--tb-border) calc(var(--tb-slider-pct, 0) * 1%),
    var(--tb-border) 100%
  );
}
.tb-slider--success input[type="range"]::-webkit-slider-thumb { border-color: var(--tb-success); }
.tb-slider--success input[type="range"]::-moz-range-thumb    { border-color: var(--tb-success); }
.tb-slider--success .tb-slider-value { color: var(--tb-success); }

/* Variant: navy accent */
.tb-slider--navy input[type="range"] {
  background: linear-gradient(
    to right,
    var(--tb-navy) 0%,
    var(--tb-navy) calc(var(--tb-slider-pct, 0) * 1%),
    var(--tb-border) calc(var(--tb-slider-pct, 0) * 1%),
    var(--tb-border) 100%
  );
}
.tb-slider--navy input[type="range"]::-webkit-slider-thumb { border-color: var(--tb-navy); }
.tb-slider--navy input[type="range"]::-moz-range-thumb    { border-color: var(--tb-navy); }
.tb-slider--navy .tb-slider-value { color: var(--tb-navy); }

/* --- Glossary terms (click for definition) ------------------------ */
/* Inline pseudo-link styled to look like text but signal clickability.
 * Dotted bottom border distinguishes from regular links (solid). The
 * ⓘ pseudo-element appears on hover so the link doesn't visually
 * crowd the surrounding sentence in normal reading.
 */
button.tb-glossary-term {
  display: inline;
  background: none;
  border: 0;
  padding: 0;
  margin: 0;
  font: inherit;
  color: inherit;
  cursor: help;
  border-bottom: 1px dotted var(--tb-navy);
  transition: color var(--tb-motion-fast) var(--tb-ease),
              background var(--tb-motion-fast) var(--tb-ease);
}
button.tb-glossary-term:hover,
button.tb-glossary-term:focus-visible {
  color: var(--tb-navy);
  background: rgba(14, 42, 79, 0.06);
  outline: none;
}
button.tb-glossary-term:hover::after,
button.tb-glossary-term:focus-visible::after {
  content: 'ⓘ';
  font-size: 0.7em;
  vertical-align: super;
  margin-left: 1px;
  color: var(--tb-navy);
  opacity: 0.8;
}
:root[data-theme="dark"] button.tb-glossary-term {
  border-bottom-color: var(--tb-navy);
}
:root[data-theme="dark"] button.tb-glossary-term:hover,
:root[data-theme="dark"] button.tb-glossary-term:focus-visible {
  background: rgba(111, 160, 214, 0.10);
}

/* --- JP term annotations (ruby / furigana / tooltip) --------------- */

/* Furigana above the kanji. Hidden in Japanese UI — native readers
   don't need phonetic help on their own script. */
ruby.tb-jp {
  ruby-align: center;
  cursor: help;
  /* Subtle dotted underline signals "hover me for English" */
  border-bottom: 1px dotted var(--tb-text-soft);
  display: inline-ruby;
}
ruby.tb-jp rt {
  font-size: 0.56em;
  color: var(--tb-text-soft);
  font-family: var(--tb-font-jp);
  letter-spacing: 0;
  line-height: 1.1;
}
/* Hide furigana in Japanese UI mode — the html[lang=ja] attribute
   is set by the boot script whenever the user switches to Japanese. */
:lang(ja) ruby.tb-jp rt { display: none; }

/* Floating tooltip — appears near the cursor when hovering a [data-jp-en]. */
.tb-jp-tooltip {
  position: fixed;
  background: var(--tb-ink);
  color: var(--tb-bg);
  padding: 4px 10px 5px;
  border-radius: var(--tb-radius-1);
  font-size: var(--tb-fs-12);
  font-family: var(--tb-font-sans);
  pointer-events: none;
  z-index: 9999;
  opacity: 0;
  transition: opacity var(--tb-motion-fast) var(--tb-ease);
  max-width: 260px;
  white-space: normal;
  box-shadow: var(--tb-shadow-2);
  line-height: var(--tb-lh-body);
}
.tb-jp-tooltip.is-visible { opacity: 1; }

/* --- Definition list (used by Profile) ----------------------------- */

.tb-dl {
  display: grid;
  grid-template-columns: minmax(200px, 1fr) 2fr;
  gap: var(--tb-sp-2) var(--tb-sp-4);
  margin: 0;
}
.tb-dl dt { color: var(--tb-text-soft); font-size: var(--tb-fs-14); }
.tb-dl dd { margin: 0; font-size: var(--tb-fs-14); }

@media (max-width: 600px) {
  .tb-dl { grid-template-columns: 1fr; gap: 0 0; }
  .tb-dl dt { margin-top: var(--tb-sp-2); }
}

</style>
  <style data-source="styles/tracks.css">
/* Taigan Bridge — track-specific theming
 *
 * Each "track" (SOFA, Veteran, Long-Term Resident, Family, Property)
 * gets a distinct accent color. Apply via the data-track attribute
 * on a card or section.
 */

[data-track="sofa"]      { --tb-track: var(--tb-track-sofa); }
[data-track="veteran"]   { --tb-track: var(--tb-track-veteran); }
[data-track="resident"]  { --tb-track: var(--tb-track-resident); }
[data-track="family"]    { --tb-track: var(--tb-track-family); }
[data-track="property"]  { --tb-track: var(--tb-track-property); }
[data-track="tax"]       { --tb-track: var(--tb-track-tax); }
[data-track="estate"]    { --tb-track: var(--tb-track-estate); }
[data-track="ai"]        { --tb-track: var(--tb-track-ai); }
[data-track="history"]   { --tb-track: var(--tb-track-history); }
[data-track="health"]    { --tb-track: var(--tb-track-health); }
[data-track="fx"]        { --tb-track: var(--tb-track-fx); }
[data-track="retire"]    { --tb-track: var(--tb-track-retire); }
[data-track="share"]     { --tb-track: var(--tb-track-share); }
[data-track="consult"]   { --tb-track: var(--tb-track-consult); }
[data-track="core"]      { --tb-track: var(--tb-slate); }

[data-track] {
  border-top: 3px solid var(--tb-track, var(--tb-navy));
}

[data-track] .tb-badge--track {
  background: var(--tb-track, var(--tb-navy));
  color: #fff;
  border-color: transparent;
}

.tb-track-strip {
  display: flex;
  flex-wrap: wrap;
  gap: var(--tb-sp-2);
  margin-bottom: var(--tb-sp-4);
}

.tb-track-strip .tb-badge {
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-size: 0.7rem;
}

</style>
</head>
<body>
  <div class="tb-app">
    <div class="tb-disclaimer-banner">
      <span data-i18n="banner.disclaimer">Organizational tool only. Not financial, tax, legal, or medical advice.</span>
      <!-- Live USD/JPY indicator. Populated by boot script after the
           Frankfurter (ECB mid-market) rate fetch resolves. Stays
           hidden until a rate is available so we don't render
           "USD/JPY ¥…" with a missing value. Hover for tooltip
           explaining the difference vs. the Treasury rate used for
           FBAR + Asset calculations. -->
      <span class="tb-live-fx" id="tb-live-fx" hidden>
        <span class="tb-live-fx__label">USD/JPY</span>
        <span class="tb-live-fx__rate" data-live-fx-rate>—</span>
        <span class="tb-live-fx__source" data-live-fx-source></span>
      </span>
    </div>

    <header class="tb-header" role="banner">
      <a class="tb-brand" href="#dashboard" aria-label="Taigan Bridge 対岸">
        <!-- Inlined so the SVG can resolve CSS custom properties and
             swap colors with the active theme. The external file at
             assets/logo.svg is the canonical version (used by the
             favicon-link fallback, browser bookmarks, and any future
             OG image / press kit) and stays in sync with this markup. -->
        <svg class="tb-brand-mark" viewBox="0 0 84 60" aria-hidden="true"
             xmlns="http://www.w3.org/2000/svg">
          <path class="tb-brand-mark__arch"
                d="M 9 38 Q 42 8 75 38"
                fill="none" stroke-width="3.4" stroke-linecap="round"/>
          <line class="tb-brand-mark__deck"
                x1="14" y1="38" x2="70" y2="38"
                stroke-width="1.4" stroke-linecap="round"/>
          <rect class="tb-brand-mark__pier" x="12.5" y="38" width="3" height="13"/>
          <rect class="tb-brand-mark__pier" x="68.5" y="38" width="3" height="13"/>
          <path class="tb-brand-mark__pier"
                d="M 10.5 51 L 17 51 L 16 53.2 L 11.5 53.2 Z"/>
          <path class="tb-brand-mark__pier"
                d="M 67 51 L 73.5 51 L 72.5 53.2 L 68 53.2 Z"/>
          <line class="tb-brand-mark__water"
                x1="3" y1="51" x2="81" y2="51"
                stroke-width="1.2" stroke-linecap="round"/>
          <path class="tb-brand-mark__reflection"
                d="M 9 51 Q 42 60 75 51"
                fill="none" stroke-width="1" stroke-linecap="round"
                stroke-dasharray="2 2.5"/>
          <line class="tb-brand-mark__ripple"
                x1="22" y1="56" x2="34" y2="56"
                stroke-width="0.6" stroke-linecap="round"/>
          <line class="tb-brand-mark__ripple"
                x1="50" y1="56" x2="62" y2="56"
                stroke-width="0.6" stroke-linecap="round"/>
          <line class="tb-brand-mark__ripple tb-brand-mark__ripple--fade"
                x1="36" y1="58.5" x2="48" y2="58.5"
                stroke-width="0.5" stroke-linecap="round"/>
        </svg>
        <span class="tb-brand-name">
          <span class="tb-brand-name__en">
            <span class="tb-brand-name__title">Taigan</span>
            <span class="tb-brand-name__sub">B&#8202;R&#8202;I&#8202;D&#8202;G&#8202;E</span>
          </span>
          <span class="tb-brand-name__jp" lang="ja" aria-hidden="true">対岸</span>
        </span>
      </a>
      <nav class="tb-nav" id="tb-nav" aria-label="Primary">
        <button class="tb-btn tb-btn--ghost tb-icon-btn tb-search-trigger" id="tb-search-button" type="button"
                title="Search modules, sections, records, glossary (⌘K / Ctrl+K)"
                aria-label="Open search">
          <span class="tb-icon-slot" data-ui-icon="ui-search"></span><span class="tb-search-trigger__hint"><kbd class="tb-search-kbd" id="tb-search-kbd">⌘K</kbd></span>
        </button>
        <button class="tb-btn tb-btn--ghost" data-view="dashboard" data-i18n="nav.dashboard">Dashboard</button>
        <button class="tb-btn tb-btn--ghost" data-view="profile"   data-i18n="nav.profile">Profile</button>
        <button class="tb-btn tb-btn--ghost" data-view="settings"  data-i18n="nav.settings">Settings</button>
        <button class="tb-btn tb-btn--ghost" data-view="about"     data-i18n="nav.about">About</button>
        <button class="tb-btn tb-btn--ghost tb-icon-btn" id="tb-print-button" type="button"
                title="Print the current view (CSS print stylesheet renders cards in print-friendly form)"
                aria-label="Print this view"><span class="tb-icon-slot" data-ui-icon="ui-print"></span></button>
        <button class="tb-btn tb-btn--ghost tb-icon-btn" id="tb-view-mode-toggle" type="button"
                title="Switch view: your perspective vs. your spouse's"
                aria-label="Toggle view mode"><span class="tb-icon-slot" data-ui-icon="ui-view-user"></span></button>
        <button class="tb-btn tb-btn--ghost tb-icon-btn" id="tb-theme-toggle" type="button"
                title="Toggle light/dark mode (independent of OS settings)"
                aria-label="Toggle theme"><span class="tb-icon-slot" data-ui-icon="ui-theme-dark"></span></button>
        <button class="tb-btn tb-btn--secondary" id="tb-lang-toggle" data-i18n="lang.toggle">日本語</button>
      </nav>
    </header>

    <main class="tb-main" id="tb-main">
      <div id="tb-view" class="tb-loading">Loading Taigan Bridge…</div>
    </main>

    <footer class="tb-footer">
      <div>
        <span data-i18n="footer.copyright">© 2026 Benjamin Eichhorn. Free for personal use.</span>
      </div>
      <div class="tb-build-meta">
        v<span data-version>1.0.2</span> ·
        build <span data-build-hash>34b55d33</span> ·
        <span data-build-date>2026-06-08</span>
      </div>
      <div>
        <a href="#license" data-i18n="footer.license">License</a> ·
        <a href="#changelog" data-i18n="footer.changelog">What's new</a> ·
        <a href="#feedback" data-i18n="footer.feedback">Send feedback</a> ·
        <a href="#tip" class="tb-footer-tip" data-i18n="footer.tips">☕ Tips</a>
      </div>
    </footer>
  </div>

  <!-- Modal mount point. Modals are appended here by app boot code. -->
  <div id="tb-modal-root"></div>

  <!-- JP term tooltip. Populated and positioned by the boot script. -->
  <div id="tb-jp-tooltip" class="tb-jp-tooltip" aria-hidden="true"></div>

  <!-- Runtime data (questions, etc.). Loaded before scripts so
       TB.content is populated before any module starts. Lives as
       JS rather than JSON so the dev source works under file://
       too (where fetch is blocked). -->
  <script data-source="content/inline.js">
/* Taigan Bridge — content/inline.js
 *
 * Runtime data that the app needs at startup. Lives as a regular JS
 * file (not JSON / not a fetched HTML doc) so the dev source works
 * when opened directly via file://, where fetch() is blocked.
 *
 * The build step inlines this file like any other <script>. The dist
 * pipeline ALSO injects an additional `window.TB.content = {...}`
 * block read from this same file's JSON-equivalent inputs, so the
 * built artifact and the dev source stay consistent.
 */

(function () {
  'use strict';
  window.TB = window.TB || {};
  window.TB.content = window.TB.content || {};

  window.TB.content.onboardingQuestions = [
    {
      id: 'display_name',
      type: 'text',
      question_en: "What's your name?",
      question_jp: 'お名前は?',
      helpText_en: 'Shown on your dashboard ("Ben\'s Dashboard"). Just first name, family name, or full name — your choice.',
      helpText_jp: 'ダッシュボードに表示されます(例:「ベンのダッシュボード」)。名・姓・フルネームなどお好みで。',
    },
    {
      id: 'display_name_ja',
      type: 'text',
      optional: true,
      question_en: 'Japanese rendering of your name (optional)',
      question_jp: 'お名前の日本語表記(任意)',
      helpText_en: 'Shown when the UI is switched to Japanese — e.g., "ベン" or "山田 太郎". Leave blank to use the name above as-is.',
      helpText_jp: '日本語表示時のお名前(例:「ベン」「山田 太郎」)。空欄の場合は上の名前をそのまま使用します。',
    },
    {
      // Birth year is used for: Medicare IEP detection, age-based
      // preventive screening filtering in Health Tracker, RMD timing
      // in Projections / Decumulation, Roth ladder optimizer, and the
      // age-based content gates in Retirement Decumulation. We don't
      // need full DOB — birth year is enough resolution and minimizes
      // sensitivity.
      id: 'birth_year',
      type: 'text',
      optional: true,
      question_en: 'What year were you born? (optional, used for age-based features)',
      question_jp: '生年(任意 — 年齢ベース機能で使用)',
      helpText_en: 'Just the year (e.g., 1980). Used for Medicare IEP, preventive screening filtering, RMD timing, and retirement projections. Stays local — never sent anywhere unless you explicitly use an AI feature.',
      helpText_jp: '西暦のみ(例:1980)。Medicare IEP・予防検診の絞り込み・RMD タイミング・退職プロジェクションに使用。完全ローカル保存 — AI 機能を明示的に使用しない限り外部送信なし。',
    },
    {
      // Biological sex (not gender identity) — used specifically for
      // medically-relevant filtering in Health Tracker: mammogram /
      // pap smear / PSA / AAA ultrasound. We're not asking about
      // gender identity, marital status, etc. — purely the medical-
      // screening filter input.
      id: 'biological_sex',
      type: 'single',
      optional: true,
      question_en: 'Biological sex (optional, used for medically-relevant screening filtering)',
      question_jp: '生物学的性別(任意 — 医学的検診の絞り込みに使用)',
      helpText_en: 'Used only by Health Tracker to filter the screening library (mammogram, Pap smear, PSA, AAA ultrasound, etc.). Doesn\'t affect any other module. "Prefer not to say" works fine — you can also set this per-screening directly.',
      helpText_jp: 'Health Tracker の検診ライブラリの絞り込み(乳がん検診・子宮頸がん検診・PSA・腹部大動脈瘤エコー等)にのみ使用。他のモジュールには影響しません。「回答しない」も選択可能 — 検診ごとに個別設定もできます。',
      options: [
        { value: 'female',             label_en: 'Female',             label_jp: '女性' },
        { value: 'male',               label_en: 'Male',               label_jp: '男性' },
        { value: 'other',              label_en: 'Other / non-binary', label_jp: 'その他・ノンバイナリー' },
        { value: 'prefer_not_to_say',  label_en: 'Prefer not to say',  label_jp: '回答しない' },
      ],
    },
    {
      id: 'citizenship',
      type: 'single',
      question_en: 'What is your citizenship status?',
      question_jp: 'あなたの市民権の状況は?',
      helpText_en: 'Used to determine US tax filing obligations and dual-citizenship considerations.',
      helpText_jp: '米国の納税義務と二重国籍の取り扱いを判定するために使用します。',
      options: [
        { value: 'us_only',    label_en: 'US citizen only',                label_jp: '米国市民のみ' },
        { value: 'us_dual',    label_en: 'Dual citizen (US + another)',    label_jp: '二重国籍(米国+他国)' },
        { value: 'us_lpr',     label_en: 'US Lawful Permanent Resident',   label_jp: '米国永住権保持者' },
        { value: 'us_jp_dual', label_en: 'US-Japan dual citizen',          label_jp: '日米二重国籍' },
      ],
    },
    {
      id: 'in_japan',
      type: 'single',
      question_en: 'Are you currently living in Japan?',
      question_jp: '現在、日本に居住していますか?',
      options: [
        { value: 'yes',      label_en: 'Yes, full-time',               label_jp: 'はい、フルタイムで居住' },
        { value: 'partial',  label_en: 'Yes, part of the year',        label_jp: 'はい、年の一部' },
        { value: 'planning', label_en: 'Not yet — planning to move',   label_jp: 'まだ — 移住を計画中' },
        { value: 'no',       label_en: 'No, but I have ties to Japan', label_jp: 'いいえ、ただし日本と関係あり' },
      ],
    },
    {
      id: 'years_in_japan',
      type: 'single',
      // Hidden when user explicitly answered "no, but I have ties" —
      // duration-of-residence questions don't apply. Still shown for
      // 'planning' so non-residents get a primer on what the 5-year
      // and 10-year clocks will mean once they arrive.
      showIf: (a) => a.in_japan !== 'no',
      question_en: 'How long have you been in Japan?',
      question_jp: '日本での滞在年数は?',
      helpText_en: 'Triggers the 5-year non-permanent-resident rule and PR thresholds.',
      helpText_jp: '非永住者の5年ルールおよび永住権の閾値に関連します。',
      options: [
        { value: 'under_1', label_en: 'Less than 1 year',   label_jp: '1年未満' },
        { value: '1_to_5',  label_en: '1–5 years',          label_jp: '1〜5年' },
        { value: '5_to_10', label_en: '5–10 years',         label_jp: '5〜10年' },
        { value: 'over_10', label_en: 'More than 10 years', label_jp: '10年以上' },
        { value: 'na',      label_en: 'Not applicable',     label_jp: '該当なし' },
      ],
    },
    {
      id: 'visa',
      type: 'single',
      // Skipped for users not in Japan + not planning to move. Anyone
      // 'planning' should still answer because their target visa
      // category drives the SOFA-vs-civilian content branching.
      showIf: (a) => a.in_japan !== 'no',
      question_en: 'What is your visa or status of forces?',
      question_jp: '在留資格 / SOFA の状況は?',
      options: [
        { value: 'sofa',       label_en: 'SOFA (US-Japan Status of Forces Agreement)', label_jp: 'SOFA(日米地位協定)' },
        { value: 'spouse_jp',  label_en: 'Spouse of Japanese national',                label_jp: '日本人の配偶者' },
        { value: 'work',       label_en: 'Work visa (Engineer / Specialist / etc.)',   label_jp: '就労ビザ' },
        { value: 'permanent',  label_en: 'Permanent Resident',                         label_jp: '永住者' },
        { value: 'long_term',  label_en: 'Long-Term Resident (定住者)',                 label_jp: '定住者' },
        { value: 'other',      label_en: "Other / I'm outside Japan",                  label_jp: 'その他 / 日本国外' },
      ],
    },
    {
      id: 'employment',
      type: 'single',
      question_en: 'What is your primary employment situation?',
      question_jp: '主な就業形態は?',
      options: [
        { value: 'dod_active',     label_en: 'Active duty US military',         label_jp: '現役米軍' },
        { value: 'dod_civilian',   label_en: 'DoD civilian',                    label_jp: '国防総省文官' },
        { value: 'dod_contractor', label_en: 'DoD contractor',                  label_jp: '国防総省契約職員' },
        { value: 'us_company',     label_en: 'US-company expat in Japan',       label_jp: '米系企業の駐在' },
        { value: 'japan_company',  label_en: 'Japanese company employee',       label_jp: '日系企業勤務' },
        { value: 'self',           label_en: 'Self-employed / business owner',  label_jp: '自営・経営者' },
        { value: 'retired_mil',    label_en: 'Retired military',                label_jp: '退役軍人(年金受給)' },
        { value: 'retired_civ',    label_en: 'Retired civilian',                label_jp: '退職(民間)' },
        { value: 'other',          label_en: 'Other',                            label_jp: 'その他' },
      ],
    },
    {
      // Moved BEFORE separation_date so the showIf below can hide that
      // question for never-served / still-active users.
      id: 'veteran',
      type: 'single',
      question_en: 'Are you a US military veteran or service member?',
      question_jp: '米軍の退役軍人または現役軍人ですか?',
      helpText_en: 'Unlocks the Veteran module. Your status determines which sections appear (e.g., TRICARE only shows if you\'re retired; the GI Bill section only shows if you\'re still entitled).',
      helpText_jp: '「退役軍人」モジュールを有効化。ステータスに応じて表示セクションが変わります(例:TRICARE は退役者のみ、GI Bill は給付未消化者のみ)。',
      options: [
        { value: 'no',                 label_en: 'No, never served',                              label_jp: 'いいえ(従軍経験なし)' },
        { value: 'active',             label_en: 'Active duty (currently serving)',               label_jp: '現役' },
        { value: 'reserve_ng',         label_en: 'Reserve / National Guard (drilling)',           label_jp: '予備役・州兵(訓練継続中)' },
        { value: 'retired',            label_en: 'Retired (20+ years OR medical retirement)',     label_jp: '退役者(20年以上勤務または医療退役)' },
        { value: 'separated_no_dis',   label_en: 'Separated — no VA disability rating',           label_jp: '除隊済み — VA 障害認定なし' },
        { value: 'separated_with_dis', label_en: 'Separated — with VA disability rating',         label_jp: '除隊済み — VA 障害認定あり' },
      ],
    },
    {
      id: 'separation_date',
      type: 'date',
      optional: true,
      // Only ask about separation date if the user is actually
      // separated or retired. Active-duty / never-served / reserve
      // users have nothing to enter here.
      showIf: (a) => a.veteran === 'retired'
                  || a.veteran === 'separated_no_dis'
                  || a.veteran === 'separated_with_dis',
      question_en: 'Date of separation, retirement, or release from active duty',
      question_jp: '除隊・退役・解放日',
      helpText_en: 'The date drives benefit-window math: VGLI conversion deadline (485 days post-separation, then permanently lost), Post-9/11 GI Bill 15-year delimitation for pre-2013 dischargees, and other time-sensitive benefit checks.',
      helpText_jp: 'VGLI 切替期限(除隊後 485 日で永久喪失)・Post-9/11 GI Bill 15 年期限(2013 年以前除隊者)など、給付の時間制約計算に使用されます。',
    },
    {
      id: 'juminhyo',
      type: 'single',
      // Skip for users not in / not planning Japan, and for users who
      // can't register on 住民票 anyway (active SOFA — Article 9 ¶2
      // exempts them; that exemption is the whole point of SOFA).
      // Still ask non-SOFA visa holders since the SOFA Roth Planner
      // sequencing depends on the answer.
      showIf: (a) => a.in_japan !== 'no' && a.visa !== 'sofa',
      question_en: 'Have you registered 住民票 (jūminhyō) in Japan?',
      question_jp: '日本で住民票を登録していますか?',
      helpText_en: 'Critical for SOFA Roth sequencing — registering before a Roth distribution can change its tax treatment dramatically.',
      helpText_jp: 'SOFA Roth シーケンスにおいて極めて重要 — Roth 分配の前に登録すると、税務上の取り扱いが大きく変わる可能性があります。',
      options: [
        { value: 'yes',    label_en: 'Yes',           label_jp: '登録済み' },
        { value: 'no',     label_en: 'No, not yet',   label_jp: '未登録' },
        { value: 'unsure', label_en: "I'm not sure",  label_jp: '不明' },
      ],
    },
    {
      id: 'tax_status',
      type: 'single',
      // No showIf — the 'us_only' option already covers users with no
      // JP filing obligation, and someone with a past NPR window or
      // pending JP property inheritance still benefits from picking
      // an explicit status.
      question_en: 'What is your Japan tax filing status?',
      question_jp: '日本での納税ステータスは?',
      helpText_en: 'SOFA holders (active military, DoD civ, DoD contractors) are exempt from Japanese income tax under SOFA Article 14 ¶7 and unregistered on 住民票 under Article 9 ¶2 — pick the SOFA option even after years on the ground.',
      helpText_jp: 'SOFA 保持者(現役軍人・国防総省文官・契約職員)は SOFA 第14条第7項により所得税が免除され、第9条第2項により住民票への登録も対象外。長期居住でも該当する場合は SOFA を選択。',
      options: [
        { value: 'japan_resident', label_en: 'Japan tax resident — file in Japan',      label_jp: '日本の納税居住者' },
        { value: 'japan_filer',    label_en: 'File in Japan as non-permanent resident', label_jp: '非永住者として日本で申告' },
        { value: 'sofa_no_file',   label_en: 'SOFA — not filing in Japan',               label_jp: 'SOFA — 日本では申告しない' },
        { value: 'us_only',        label_en: 'Only file in the US',                      label_jp: '米国でのみ申告' },
        { value: 'unsure',         label_en: 'Not sure',                                  label_jp: '不明' },
      ],
    },
    {
      id: 'non_sofa_jp_income',
      type: 'single',
      optional: true,
      // Only relevant for SOFA holders — JP-side income outside the
      // SOFA exemption (rental property, JP brokerage, JP self-
      // employment) IS taxable in Japan and forces a 確定申告 even for
      // an otherwise-exempt SOFA contractor. Branching below keeps
      // this hidden for non-SOFA users.
      showIf: (a) => a.tax_status === 'sofa_no_file',
      question_en: 'Do you have any non-SOFA JP-source income?',
      question_jp: 'SOFA 対象外の日本源泉所得はありますか?',
      helpText_en: 'Examples: a Japanese rental property in your name, a JP brokerage outside SOFA, JP self-employment, a JP-side consulting contract. SOFA exempts US-Forces-source income only — non-SOFA JP income IS taxable in Japan and forces a 確定申告 even for SOFA contractors.',
      helpText_jp: '例:ご自身名義の日本の賃貸不動産・SOFA 適用外の日本証券口座・日本側の自営業・日本企業との顧問契約等。SOFA は米軍関連の所得のみ免除 — それ以外の日本源泉所得は課税対象となり、SOFA 契約者でも確定申告が必要。',
      options: [
        { value: 'no',     label_en: 'No, all my income is SOFA-source',  label_jp: 'いいえ、全所得が SOFA 対象' },
        { value: 'yes',    label_en: 'Yes, I have non-SOFA JP income',    label_jp: 'はい、SOFA 対象外の日本所得あり' },
        { value: 'unsure', label_en: 'Not sure — review with a CPA',      label_jp: '不明 — CPA と確認予定' },
      ],
    },
    {
      id: 'family',
      type: 'multi',
      question_en: 'Family situation in Japan (select all that apply):',
      question_jp: '日本の家族構成(該当するものすべて):',
      options: [
        { value: 'none',          label_en: 'None of these / single',              label_jp: '該当なし / 独身' },
        { value: 'us_spouse',     label_en: 'US-citizen spouse',                   label_jp: '米国市民の配偶者' },
        { value: 'jp_spouse',     label_en: 'Japanese-national spouse',            label_jp: '日本人の配偶者' },
        { value: 'third_spouse',  label_en: 'Spouse of another nationality',       label_jp: '他国籍の配偶者' },
        { value: 'us_children',   label_en: 'US-citizen children',                 label_jp: '米国籍の子' },
        { value: 'jp_children',   label_en: 'Japanese-citizen children',           label_jp: '日本国籍の子' },
        { value: 'dual_children', label_en: 'Dual-citizen children (US + Japan)',  label_jp: '日米二重国籍の子' },
      ],
    },
    {
      id: 'real_estate',
      type: 'single',
      question_en: 'Do you own or expect to inherit real estate in Japan?',
      question_jp: '日本国内の不動産を所有・相続予定ですか?',
      options: [
        { value: 'yes',      label_en: 'Yes, I currently own property',                  label_jp: 'はい、現在所有' },
        { value: 'expected', label_en: 'I expect to inherit (e.g., 古民家, family land)', label_jp: '相続予定(古民家・家業・農地など)' },
        { value: 'no',       label_en: 'No',                                              label_jp: 'いいえ' },
      ],
    },
    {
      // Branch — only when user owns JP property NOW (inherited later
      // gets handled at inheritance time). Drives §469 passive-income
      // treatment, §1250 depreciation tracking, US Form 1116 basket
      // assignment in Property + Tax modules.
      id: 'real_estate_use',
      type: 'single',
      showIf: (a) => a.real_estate === 'yes',
      question_en: 'How is your JP property currently used?',
      question_jp: 'お持ちの日本不動産の現在の用途は?',
      helpText_en: 'Rental income gets US §469 passive treatment + Schedule E reporting; primary residence gets §121 exclusion eligibility (5-year-residency window if you ever sell). The Property module branches on this answer.',
      helpText_jp: '賃貸所得は米国 §469 受動的所得扱い + Schedule E 報告対象。主たる居住用は将来売却時に §121 除外(5 年中 2 年居住要件)の対象。Property モジュールの表示がこの回答で分岐します。',
      options: [
        { value: 'primary',     label_en: 'Primary residence (we live in it)',  label_jp: '主たる居住用(自宅)' },
        { value: 'rental',      label_en: 'Rental property',                    label_jp: '賃貸物件' },
        { value: 'mixed',       label_en: 'Mixed (one residence + one rental, or partial rental)', label_jp: '混合(自宅+賃貸併用、または一部賃貸)' },
        { value: 'second_home', label_en: 'Second home / vacation (not rented)', label_jp: '別荘・セカンドハウス(賃貸なし)' },
      ],
    },
    {
      // Inherited-property branch — kominka / agricultural land have
      // distinct tax + ownership-restriction profiles vs. a standard
      // suburban inheritance. Drives the Property module's "inherited"
      // section + the 小規模宅地等の特例 eligibility flag for Estate.
      id: 'real_estate_inherited_kind',
      type: 'single',
      showIf: (a) => a.real_estate === 'expected',
      question_en: 'What kind of inheritance do you expect?',
      question_jp: '相続予定の不動産の種類は?',
      helpText_en: 'Different rules apply: 古民家 (kominka) often have renovation grants; agricultural land (農地) has resale + use restrictions; standard residential land qualifies for 小規模宅地等の特例 (80% assessment reduction up to 330㎡) if you continue residing.',
      helpText_jp: '種類別にルールが異なります。古民家は改修補助金の対象になる場合あり。農地は売却・用途に制限あり。一般住宅地は居住継続で 小規模宅地等の特例(330 ㎡ まで 80% 評価減)の対象。',
      options: [
        { value: 'residential',  label_en: 'Standard residential land / home',     label_jp: '一般住宅地・住宅' },
        { value: 'kominka',      label_en: '古民家 (traditional Japanese house)',  label_jp: '古民家(伝統的日本家屋)' },
        { value: 'agricultural', label_en: '農地 (agricultural land)',              label_jp: '農地' },
        { value: 'commercial',   label_en: 'Commercial / mixed-use building',     label_jp: '商業・併用ビル' },
        { value: 'unsure',       label_en: 'Unsure / multiple kinds',              label_jp: '不明・複数種類' },
      ],
    },
    {
      // Household-tax-split capture. Default-pre-selects the right value
      // based on tax_status + family answers (SOFA + spouse → 'spouse';
      // SOFA solo → 'na'; non-SOFA → 'self') in onboarding.js. Sets the
      // Tax Coordinator's jp_filing_responsibility on finish so the
      // user doesn't have to discover the picker after the fact.
      id: 'jp_filing_responsibility',
      type: 'single',
      question_en: 'Who in your household files JP-side personal returns?',
      question_jp: '日本側の個人税務申告は世帯内で誰が担当?',
      helpText_en: 'Covers 確定申告, 住民税, ふるさと納税. SOFA holders are exempt from JP income tax and don\'t appear on 住民票 — their JP-national spouse typically files her own return. Choose what matches your household; you can override per-feature later.',
      helpText_jp: '確定申告・住民税・ふるさと納税が対象。SOFA 保持者は日本所得税が免除され住民票にも未登録 — 日本人配偶者がご自身の申告を行うのが典型。世帯状況に合うものを選択(後から個別に変更可)。',
      options: [
        { value: 'auto',   label_en: 'Auto-detect from my answers',                       label_jp: 'オンボーディング回答から自動判定' },
        { value: 'self',   label_en: 'I file my own JP returns',                          label_jp: '自分で日本側申告を行う' },
        { value: 'spouse', label_en: 'My spouse / family member handles JP-side',          label_jp: '配偶者・家族が日本側を担当' },
        { value: 'na',     label_en: 'No JP filing obligation (SOFA exempt / US-only)',    label_jp: '日本側申告義務なし(SOFA 免除・米国のみ)' },
      ],
    },
    {
      id: 'healthcare_coverage',
      type: 'multi',
      question_en: 'How is your healthcare currently covered in Japan? (Select all that apply)',
      question_jp: '日本での医療カバレッジは?(該当するものすべて)',
      helpText_en: 'Drives the Healthcare module. Pick by what your plan COVERS, not who pays. If your employer provides an international plan (CIGNA International, GeoBlue, BUPA Global, Aetna International — common for SOFA contractors and US-company expats), pick "International plan" — the coverage shape (works in JP + globally) matters more than who pays the premium. Reserve "US-domestic employer plan" for plans whose network is US-only (BCBS PPO, Aetna domestic, Kaiser). SOFA contractors are exempt from NHI under Article 9; their JP-resident spouses typically enroll in NHI/SHI separately.',
      helpText_jp: '医療モジュールの表示を制御。何が「カバーされるか」で選択(誰が支払うかではなく)。雇用主が国際保険を提供している場合(CIGNA International・GeoBlue・BUPA Global・Aetna International 等 — SOFA 契約者や米企業駐在員に多い)、「国際保険」を選択 — カバレッジの形(日本 + 全世界で使用可能)が誰が保険料を支払うかより重要。「米国国内向け企業プラン」はネットワークが米国限定のプラン用(BCBS PPO・Aetna 国内・Kaiser 等)。SOFA 契約者は第9条により NHI 適用除外、日本居住の配偶者は通常別途 NHI/SHI に加入。',
      options: [
        { value: 'nhi',          label_en: '国民健康保険 (NHI)',                                   label_jp: '国民健康保険(NHI)' },
        { value: 'shi',          label_en: '社会保険 / 健康保険 (employer SHI)',                   label_jp: '社会保険・健康保険(雇用主提供)' },
        { value: 'tricare',      label_en: 'TRICARE (active duty / retiree / dependent)',          label_jp: 'TRICARE(現役・退役・扶養家族)' },
        { value: 'private_intl', label_en: 'International plan (CIGNA Intl, GeoBlue, BUPA — incl. employer-provided)', label_jp: '国際保険(CIGNA Intl・GeoBlue・BUPA — 雇用主提供含む)' },
        { value: 'us_employer',  label_en: 'US-domestic employer plan (BCBS / Aetna / Kaiser — US-network only)', label_jp: '米国国内向け企業プラン(BCBS・Aetna・Kaiser — 米国ネットワーク限定)' },
        { value: 'fehb',         label_en: 'FEHB (Federal Employees Health Benefits — US + limited overseas reimbursement)', label_jp: 'FEHB(連邦職員健康給付 — 米国 + 海外償還)' },
        { value: 'medicare',     label_en: 'Medicare (Parts A/B/D, with FMP for overseas)',        label_jp: 'Medicare(A/B/D・海外向け FMP)' },
        { value: 'va_fmp',       label_en: 'VA Foreign Medical Program (service-connected)',       label_jp: 'VA 海外医療プログラム(軍務関連障害)' },
        { value: 'none',         label_en: 'None / between coverages',                              label_jp: 'なし・カバレッジ移行中' },
        { value: 'unsure',       label_en: 'Not sure / mixed',                                      label_jp: '不明・複合' },
      ],
    },
    {
      id: 'retirement_horizon',
      type: 'single',
      question_en: 'Roughly when do you plan to retire (or stop drawing W-2 income)?',
      question_jp: 'リタイア(または W-2 給与停止)はおおよそいつ?',
      helpText_en: 'Drives the Decumulation module focus and the Net Worth review cadence. "Already retired" surfaces RMD planning + SS claiming detail; "30+ years" focuses on accumulation + Roth-vs-401k decisions.',
      helpText_jp: '取崩しモジュールの優先表示と純資産レビュー頻度を制御。「リタイア済み」は RMD と SS 受給戦略を、「30 年以上」は積立と Roth vs 401k の選択を中心に表示。',
      options: [
        { value: 'already',   label_en: 'Already retired / no W-2 income',  label_jp: 'リタイア済み・W-2 給与なし' },
        { value: 'lt5y',      label_en: 'Within 5 years',                    label_jp: '5 年以内' },
        { value: '5_15y',     label_en: '5–15 years',                        label_jp: '5〜15 年' },
        { value: '15_30y',    label_en: '15–30 years',                       label_jp: '15〜30 年' },
        { value: 'gt30y',     label_en: '30+ years',                          label_jp: '30 年以上' },
        { value: 'unsure',    label_en: "Don't know yet",                    label_jp: '未定' },
      ],
    },
    {
      id: 'fx_platforms',
      type: 'multi',
      optional: true,
      question_en: 'Which money-transfer / FX platforms do you use? (optional)',
      question_jp: '海外送金・両替プラットフォームは?(任意)',
      helpText_en: 'Pre-fills the FX & Banking module so you don\'t start from a blank page. We don\'t access your accounts — just shows the right platforms and their current fee structure.',
      helpText_jp: 'FX・銀行モジュールを事前入力 — 口座へのアクセスは不要、対応プラットフォームと最新手数料体系を表示。',
      options: [
        { value: 'wise',        label_en: 'Wise (formerly TransferWise)',     label_jp: 'Wise(旧 TransferWise)' },
        { value: 'revolut',     label_en: 'Revolut',                          label_jp: 'Revolut' },
        { value: 'sony_bank',   label_en: 'Sony Bank (foreign currency)',     label_jp: 'ソニー銀行(外貨)' },
        { value: 'shinsei',     label_en: 'Shinsei / SBI Shinsei (GoRemit)',  label_jp: '新生銀行・SBI 新生(GoRemit)' },
        { value: 'rakuten',     label_en: 'Rakuten Bank international',       label_jp: '楽天銀行(国際送金)' },
        { value: 'remitly',     label_en: 'Remitly',                          label_jp: 'Remitly' },
        { value: 'westernunion',label_en: 'Western Union / MoneyGram',        label_jp: 'Western Union / MoneyGram' },
        { value: 'usaa',        label_en: 'USAA wire',                        label_jp: 'USAA 海外送金' },
        { value: 'navy_fed',    label_en: 'Navy Federal wire',                label_jp: 'Navy Federal 海外送金' },
        { value: 'broker',      label_en: 'Brokerage international wire',     label_jp: '証券会社の海外送金' },
        { value: 'crypto',      label_en: 'Crypto rails (USDC / on-chain)',   label_jp: '暗号資産(USDC・オンチェーン)' },
        { value: 'none',        label_en: 'None yet',                          label_jp: 'まだ使用なし' },
      ],
    },
    {
      id: 'ai_consent',
      type: 'single',
      question_en: 'How do you want Claude AI features to behave by default?',
      question_jp: 'Claude AI 機能のデフォルト動作は?',
      helpText_en: 'You always provide your own API key and can change this any time in Settings. "Per-call" gives you a one-line consent prompt before each AI request; "vision-only" lets only document-extraction features run; "off" disables AI entirely.',
      helpText_jp: 'API キーは常にご自身で用意、設定からいつでも変更可能。「呼び出しごとに確認」は各リクエスト前にワンライナーの同意確認、「画像のみ」は書類抽出のみ許可、「オフ」は AI を完全無効化。',
      options: [
        { value: 'full',        label_en: 'Full — chat + vision + enrichment all enabled',            label_jp: 'フル — チャット・画像・エンリッチすべて有効' },
        { value: 'per_call',    label_en: 'Per-call confirm — ask me before each AI request',          label_jp: '呼び出しごとに確認 — 各 AI リクエスト前に確認' },
        { value: 'vision_only', label_en: 'Vision only — document extraction OK, no chat enrichment',  label_jp: '画像のみ — 書類抽出のみ許可、チャット・エンリッチは無効' },
        { value: 'off',         label_en: 'Off — disable all AI features',                              label_jp: 'オフ — AI 機能をすべて無効化' },
      ],
    },
    {
      id: 'consultations_history',
      type: 'single',
      optional: true,
      question_en: 'Have you worked with a CPA, 税理士, or international tax attorney before?',
      question_jp: 'CPA・税理士・国際税務弁護士と過去に相談した経験は?',
      helpText_en: 'Pre-fills the Consultations tracker so you can log past meetings + plan upcoming ones. We don\'t need names — just whether to surface the module prominently.',
      helpText_jp: 'コンサルテーション・トラッカーを事前入力(過去の相談記録 + 今後の予定計画)。具体的な氏名は不要 — モジュールの優先表示の判定のみに使用。',
      options: [
        { value: 'cpa_us_intl', label_en: 'Yes, US CPA with international expertise',  label_jp: 'はい、国際税務専門の米国 CPA' },
        { value: 'cpa_us',      label_en: 'Yes, US CPA (general)',                      label_jp: 'はい、米国 CPA(一般)' },
        { value: 'tax_jp',      label_en: 'Yes, 税理士 in Japan',                       label_jp: 'はい、日本の税理士' },
        { value: 'multiple',    label_en: 'Yes, multiple professionals',                 label_jp: 'はい、複数の専門家' },
        { value: 'no_yet',      label_en: 'Not yet — but I want recommendations',        label_jp: 'まだ — 紹介を希望' },
        { value: 'no_diy',      label_en: 'No — I file myself',                          label_jp: 'なし — 自分で申告' },
      ],
    },
    {
      // PFIC trap — JP-resident US persons who hold Japanese mutual
      // funds, NISA, or iDeCo end up with Form 8621 obligations + the
      // worst-case "default" PFIC tax regime (interest-charge method).
      // We surface this VERY early so people don't accidentally open a
      // NISA before Taigan Bridge has a chance to flag it.
      id: 'pfic_holdings',
      type: 'single',
      // Only relevant for US persons — no point asking a JP-only filer
      // about US-specific PFIC rules.
      showIf: (a) => a.citizenship === 'us_only'
                  || a.citizenship === 'us_dual'
                  || a.citizenship === 'us_lpr'
                  || a.citizenship === 'us_jp_dual',
      question_en: 'Do you hold any Japanese investment funds, NISA, or iDeCo?',
      question_jp: '日本の投資信託・NISA・iDeCo を保有していますか?',
      helpText_en: 'Japanese mutual funds (投資信託), NISA, and iDeCo all count as PFICs (Passive Foreign Investment Companies) for US tax purposes. The default IRS treatment is punitive (Form 8621 + interest-charge method, often 50%+ of gains). We surface this early so the PFIC alert can guide what to do next.',
      helpText_jp: '日本の投資信託・NISA・iDeCo はすべて米国税法上の PFIC(受動的外国投資会社)に該当します。米国税務上のデフォルト処理は懲罰的(Form 8621 + 利子課税方式で利益の 50% 超になることも)。早期に把握しておくことで PFIC 警告から次の対応を案内できます。',
      options: [
        { value: 'yes_some',  label_en: 'Yes, some',                          label_jp: 'はい、一部保有' },
        { value: 'yes_many',  label_en: 'Yes, multiple holdings',             label_jp: 'はい、複数保有' },
        { value: 'no',        label_en: 'No, none',                           label_jp: 'いいえ、なし' },
        { value: 'unsure',    label_en: 'Not sure — need to check',           label_jp: '不明 — 確認が必要' },
      ],
    },
    {
      // Dual-citizen children + 国籍選択 (Article 14 of Nationality
      // Law). The 22nd-birthday deadline is the lever — we group
      // by age band so the Family module can prioritize the imminent
      // ones without asking for each child's birth year here.
      id: 'dual_children_age_band',
      type: 'single',
      showIf: (a) => Array.isArray(a.family) && a.family.indexOf('dual_children') !== -1,
      question_en: 'Roughly how old are your dual-citizen children?',
      question_jp: '日米二重国籍のお子さんの年齢帯は?',
      helpText_en: 'Japanese Nationality Law Article 14 (amended 2022) requires those with multiple nationalities to choose one — by age 20 if the second nationality was acquired before age 18, or within 2 years if acquired at/after 18. The Family module surfaces 国籍選択 deadlines based on this. You can refine per-child later in the Family page.',
      helpText_jp: '日本国籍法第 14 条(2022 年改正)は、複数の国籍を有する者に国籍の選択を求めています。18 歳未満で取得した場合は 20 歳までに、18 歳以降に取得した場合は取得から 2 年以内に選択します。Family モジュールでこの回答に基づき国籍選択の期限を表示します。後で Family ページで個別に調整することもできます。',
      options: [
        { value: 'all_under_18', label_en: 'All under 18 (deadline still distant)',          label_jp: '全員 18 歳未満(期限はまだ先)' },
        { value: 'has_18_20',    label_en: 'At least one is 18–20 (deadline now)',           label_jp: '18〜20 歳の子あり(期限が近い)' },
        { value: 'has_over_20',  label_en: 'At least one is over 20 (deadline passed / chose)', label_jp: '20 歳超の子あり(期限超過 or 選択済み)' },
        { value: 'mixed',        label_en: 'Mixed across the bands',                          label_jp: '複数バンドにまたがる' },
      ],
    },
    {
      // Medicare Part B / IRMAA — relevant for users near or past 65.
      // The Healthcare module already estimates IRMAA from MAGI, but
      // knowing whether the user has actually enrolled (and when)
      // changes whether we surface the IEP / SEP guidance vs. just
      // the ongoing premium tracker.
      id: 'medicare_status',
      type: 'single',
      // Only ask of users who are within range. Hide for clearly-young
      // users (15+ years to retirement = under ~50) so we don't waste
      // their time on a question that won't matter for a decade.
      showIf: (a) => a.retirement_horizon === 'already'
                  || a.retirement_horizon === 'lt5y'
                  || a.retirement_horizon === '5_15y'
                  || a.veteran === 'retired',
      question_en: 'Where are you with Medicare?',
      question_jp: 'Medicare(米国の高齢者医療保険)の状況は?',
      helpText_en: 'Medicare eligibility starts at age 65. Part A is free with 40 quarters of work history; Part B has a monthly premium ($202.90/mo in 2026, with IRMAA surcharges based on MAGI). Living abroad doesn\'t exempt you from Part B premiums if you\'re enrolled, and the late-enrollment penalty is permanent. The Healthcare module surfaces what to do based on this.',
      helpText_jp: 'Medicare の受給開始は 65 歳。Part A は 40 単位以上の労働歴で無料、Part B は月額保険料($202.90/月 2026 年)+ MAGI ベースの IRMAA 加算あり。海外居住でも加入中は Part B 保険料は支払い必要、加入遅延ペナルティは永続。Healthcare モジュールでこの回答に基づき対応を案内します。',
      options: [
        { value: 'enrolled_a_b',   label_en: 'Enrolled in both Part A and Part B',           label_jp: 'Part A・Part B 両方に加入済み' },
        { value: 'enrolled_a_only', label_en: 'Enrolled in Part A only (deferring Part B)',   label_jp: 'Part A のみ加入(Part B 据え置き)' },
        { value: 'eligible_not_enrolled', label_en: 'Eligible (65+) but not yet enrolled',    label_jp: '65 歳以上だが未加入' },
        { value: 'approaching_iep', label_en: 'Approaching 65 — IEP coming up',                label_jp: '65 歳間近 — IEP(初回登録期間)接近中' },
        { value: 'not_yet',        label_en: 'Under 65 — not yet eligible',                    label_jp: '65 歳未満 — まだ対象外' },
      ],
    },
    {
      // JP self-employment / 個人事業主 — affects 確定申告 obligation,
      // 国民年金 vs. 厚生年金 contribution path, 青色申告 election,
      // and crosses into the FX module if they invoice in USD.
      id: 'jp_self_employment',
      type: 'single',
      showIf: (a) => a.employment === 'self' && a.in_japan !== 'no',
      question_en: 'Are you registered as a 個人事業主 (sole proprietor) in Japan?',
      question_jp: '日本で 個人事業主 として開業届を提出済みですか?',
      helpText_en: 'Submitting 開業届 unlocks 青色申告 election (¥650K deduction with proper bookkeeping), enables 経費 deductions, and changes your social-insurance path (国民年金 + 国民健康保険 vs. employee SHI). Important for the Tax Coordinator + Decumulation modules.',
      helpText_jp: '開業届提出により 青色申告(複式簿記で ¥65 万控除)が選択可能になり、経費計上・社会保険の加入区分(国民年金 + 国民健康保険)が変わります。Tax Coordinator・Decumulation モジュールにとって重要な情報です。',
      options: [
        { value: 'aoiro',  label_en: 'Yes, with 青色申告 election',         label_jp: 'はい、青色申告で開業済み' },
        { value: 'shiro',  label_en: 'Yes, but 白色申告 (no election)',     label_jp: 'はい、白色申告で開業済み' },
        { value: 'no_yet', label_en: 'Not yet — planning to register',      label_jp: 'まだ — 開業届提出予定' },
        { value: 'no',     label_en: 'No — operating as a corporation or via US LLC', label_jp: 'いいえ — 法人 or 米国 LLC 経由で運営' },
      ],
    },
    {
      // Renunciation / expatriation — covered-expatriate detection
      // unlocks the Family + Estate modules' renunciation sections
      // and the §877A exit-tax calculator. Asking this gently early
      // lets us surface the right CPA-consultation reminders.
      id: 'renunciation_status',
      type: 'single',
      optional: true,
      // Only relevant for US-side citizens. LPRs follow a different
      // (still applicable) §877A long-term-resident rule, so include
      // them too.
      showIf: (a) => a.citizenship === 'us_only'
                  || a.citizenship === 'us_dual'
                  || a.citizenship === 'us_jp_dual'
                  || a.citizenship === 'us_lpr',
      question_en: 'Have you considered renouncing US citizenship (or expatriating from LPR)?',
      question_jp: '米国市民権の放棄(または LPR からの離脱)を検討したことはありますか?',
      helpText_en: 'Renunciation is irreversible and triggers exit tax for "covered expatriates" (Form 8854). For US persons in Japan, the analysis is non-trivial — you keep all the obligations until you formalize. Picking "considering" surfaces the renunciation section in Family + Estate so you can plan the timing.',
      helpText_jp: '市民権放棄は不可逆で、「covered expatriate」に該当する場合は出国税が発生(Form 8854)。日本居住の米国人にとって判断は複雑 — 正式に放棄するまで義務は継続します。「検討中」を選ぶと Family・Estate モジュールに放棄セクションが表示され、タイミングを計画できます。',
      options: [
        { value: 'never',           label_en: 'No, never considered',                    label_jp: 'いいえ、検討したことなし' },
        { value: 'considering',     label_en: 'Yes, actively considering',               label_jp: 'はい、現在検討中' },
        { value: 'planning',        label_en: 'Yes, planning to renounce within ~2 years', label_jp: 'はい、2 年以内に放棄予定' },
        { value: 'renounced',       label_en: 'Already renounced / expatriated',          label_jp: '既に放棄済み・離脱済み' },
      ],
    },
  ];
})();

</script>
  <script data-source="content/about-inline.js">
window.TB = window.TB || {}; window.TB.content = window.TB.content || {}; window.TB.content.aboutHtml = "<h1>About Taigan Bridge 対岸<\/h1>\n\n<section class=\"origin\">\n  <p>\n    <strong>Taigan<\/strong> (対岸) is a Japanese word meaning\n    <em>\"the opposite shore\"<\/em> — the bank on the far side of a river,\n    or the coast across an ocean.\n  <\/p>\n  <p>\n    There is a famous Japanese expression — 対岸の火事 (taigan no kaji),\n    \"a fire on the opposite shore\" — used when someone watches a problem\n    from a safe distance, treating it as someone else's concern.\n  <\/p>\n  <p>\n    For Americans living in Japan, the opposite shore is not someone else's\n    problem. It is home. And the financial, tax, estate, and health\n    questions that follow you across the Pacific cannot be watched from a\n    distance — they have to be organized, in two countries, in two\n    languages, across two legal systems, two medical systems, and two\n    sets of expectations about what \"in order\" means.\n  <\/p>\n  <p>\n    Taigan Bridge is the bridge between those two shores. It is a tool\n    for keeping your life on both sides of the Pacific in order — whether\n    you arrived under SOFA orders, on a work or spouse visa, or were born\n    here as a dual citizen.\n  <\/p>\n<\/section>\n\n<section class=\"who-this-is-for\">\n  <h2>Who this is for<\/h2>\n  <p>\n    Any U.S. person — citizen, green-card holder, or accidental American\n    by birth — whose life touches both the United States and Japan.\n    The tool adapts to your specific situation through onboarding:\n  <\/p>\n  <ul>\n    <li>\n      <strong>Long-term Japan residents<\/strong> on work, spouse, or\n      Long-Term Resident visas — most of the audience. Annual 確定申告\n      prep, the 10-year worldwide-asset clock for inheritance tax, NHI\n      premium timing, Furusato Nozei limits, mortgage credit, and the\n      U.S. tax obligations that follow you regardless of how long you've\n      been here.\n    <\/li>\n    <li>\n      <strong>SOFA-status individuals<\/strong> — active duty, DoD\n      civilians, and SOFA contractors. The window between SOFA status\n      and 住民票 registration is where extraordinary tax-planning\n      mistakes are made; the SOFA Roth Sequencing Planner exists to\n      surface that window.\n    <\/li>\n    <li>\n      <strong>U.S. veterans in Japan<\/strong> — VA benefits, FMP for\n      service-connected care abroad, TRICARE Overseas, GI Bill timing,\n      and survivor benefits, all status-aware (active / reserve /\n      retired / separated).\n    <\/li>\n    <li>\n      <strong>Mixed-citizenship families<\/strong> — Japanese-national\n      spouses, dual-citizen children with their 国籍選択 deadlines,\n      per-child FBAR considerations, education savings (529 vs\n      教育資金一括贈与), and family inheritance pre-positioning.\n    <\/li>\n    <li>\n      <strong>Future expats<\/strong> planning a move TO Japan — surface\n      the things you should do BEFORE 住民票 registration changes the\n      tax math.\n    <\/li>\n  <\/ul>\n<\/section>\n\n<section class=\"what-this-is\">\n  <h2>What this is<\/h2>\n  <p>\n    An organizational tool. A scenario modeler. A place to keep the\n    moving pieces of a cross-border life in one structured place that\n    you control. Today the tool covers:\n  <\/p>\n  <ul>\n    <li>\n      <strong>Net worth + accounts<\/strong> — multi-currency asset\n      tracking with year-end snapshots, FBAR threshold monitoring,\n      beneficiary review, and PFIC scanning. AI-assisted statement\n      extraction from images / PDFs.\n    <\/li>\n    <li>\n      <strong>FBAR (FinCEN 114)<\/strong> — full year-by-year filing\n      tracker with Treasury year-end rates, multi-filer households,\n      and image-import for passbooks + bank statements.\n    <\/li>\n    <li>\n      <strong>Tax coordinator<\/strong> — bilingual deadline calendar,\n      forms-applicability assessment (1040, 2555, 1116, 8938, 8621,\n      確定申告), document checklist with Document Vault sync, and a\n      JP-side filing-responsibility split for SOFA + JP-spouse\n      households.\n    <\/li>\n    <li>\n      <strong>Projections + decumulation<\/strong> — long-horizon\n      modeling with NIIT, IRMAA, state tax, Roth conversion ladder,\n      Social Security claiming strategy, RMD timing, and JP pension\n      vesting paths (国民年金 / 厚生年金 / 追納 / 任意加入 / 合算 / カラ期間).\n    <\/li>\n    <li>\n      <strong>Estate planning<\/strong> — JP statutory shares (民法\n      §887, §889, §890), inheritance tax estimation, will tracker, 戸籍\n      handling for foreign decedents, and a Letter of Instruction\n      generator with the survivor guide HTML below.\n    <\/li>\n    <li>\n      <strong>Property<\/strong> — JP + US real estate with\n      固定資産税 tracking, §121 / §469 / §1250 cross-border treatment,\n      and 古民家 / 農地 inheritance scenarios. AI extraction from\n      固定資産税通知書.\n    <\/li>\n    <li>\n      <strong>FX + cross-border banking<\/strong> — live mid-market USD/JPY\n      reference (informational), Treasury rate (used for FBAR), and a\n      transfer-cost calculator across major remittance platforms (Wise,\n      Revolut, SBI Sumishin, Sony Bank, Schwab International, etc.).\n    <\/li>\n    <li>\n      <strong>Health tracker<\/strong> — exam history, lab results\n      with bilingual reference ranges and AI-generated explanations,\n      dental periodontal tracking with per-tooth findings, medication\n      list, insurance card capture, invoice import, care episodes,\n      and a printable Year-in-Review.\n    <\/li>\n    <li>\n      <strong>Healthcare module<\/strong> — Medicare Part B / IRMAA\n      tracking, FEHB / TRICARE / FMP coverage routing, Japan NHI / SHI\n      premium estimation, and long-term-care (介護保険) timing.\n    <\/li>\n    <li>\n      <strong>Family + dual citizenship<\/strong> — 国籍選択 (Japanese\n      Nationality Law Article 14) deadline tracking, passport renewal\n      with vision-import from photos / PDFs (令和 → ISO conversion\n      handled), education savings, and gift pre-positioning vehicles.\n    <\/li>\n    <li>\n      <strong>Document Vault<\/strong> — inventory of where everything\n      lives (passport, will, deed, insurance, tax returns), with\n      AI-assisted document classification and expiry alerts.\n    <\/li>\n    <li>\n      <strong>Contacts<\/strong> — unified address book that auto-pulls\n      from every other module (medical providers, insurance plans,\n      family, professionals, built-in emergency numbers for Japan).\n    <\/li>\n    <li>\n      <strong>Action Center<\/strong> — the \"what should I do today?\"\n      surface that aggregates time-sensitive items from every module:\n      FBAR deadlines, document expiries, RMD windows, passport\n      renewals, backup overdue, and more.\n    <\/li>\n    <li>\n      <strong>Sharing + backup<\/strong> — Spouse Handoff HTML\n      (bilingual when a JP spouse is detected), Survivor Guide\n      (formatted for printing and storing with the will), Advisor\n      JSON, and one-click full-state backup with optional\n      auto-prompt schedule.\n    <\/li>\n    <li>\n      <strong>Ask Taigan<\/strong> — an opt-in AI assistant that has\n      read-only access to your Taigan Bridge state and answers\n      situation-specific questions in either language. Uses your\n      Claude API key.\n    <\/li>\n  <\/ul>\n  <p>\n    Everything runs in your browser. Your data lives in your browser's\n    local storage, on your machine, and is never sent to the author or\n    to any server. You can export a JSON backup at any time and you\n    can delete everything with one click.\n  <\/p>\n  <p>\n    <strong>Analytics &amp; privacy.<\/strong> The copy of Taigan Bridge\n    you download has no analytics and no tracking of any kind — open the\n    file, search it, and there is nothing to find. The one exception is\n    the public demo at <code>beichhorn-taigan.github.io<\/code>, which\n    uses GoatCounter, a privacy-friendly and cookieless analytics\n    service, to count aggregate page views — and how often the\n    \"Download for your own data\" link is clicked — so the author can\n    gauge interest. It sets no cookies, collects no personal data, and never\n    follows you across sites; an ad-blocker stops it completely and the\n    app behaves identically. None of this exists in the file you\n    download.\n  <\/p>\n  <p>\n    The optional AI-assisted features — document extraction from\n    photos and PDFs, account-statement parsing, glossary lookups,\n    Ask Taigan — use your own Claude API key, connecting directly\n    from your browser to Anthropic. The author has no visibility into\n    your conversations, your data, or your usage.\n  <\/p>\n<\/section>\n\n<section class=\"what-this-is-not\">\n  <h2>What this is not<\/h2>\n  <p>\n    Not financial advice. Not tax advice. Not legal advice. Not\n    medical advice. Not an investment recommendation. Not a substitute\n    for a CPA, tax attorney, estate attorney, licensed financial\n    advisor, Japanese 税理士, or your physician.\n  <\/p>\n  <p>\n    Cross-border tax and estate planning is genuinely difficult.\n    Japanese inheritance tax is among the world's most aggressive.\n    PFIC rules make most Japanese investment vehicles toxic for\n    U.S. persons. The 10-year clock changes the global-asset tax base.\n    The Health Tracker organizes what your doctor told you — it does\n    not interpret labs, recommend treatment, or substitute for clinical\n    judgment. The most expensive mistakes — financial and medical —\n    are the ones made without a qualified professional in the loop.\n  <\/p>\n  <p>\n    Use this tool to organize your thinking, surface the right\n    questions, and prepare a complete picture to bring to qualified\n    professionals — then act on their guidance, not on calculator\n    output.\n  <\/p>\n<\/section>\n\n<section class=\"who-built-this\">\n  <h2>Who built this<\/h2>\n  <p>\n    Taigan Bridge was built by Benjamin Eichhorn — a U.S. defense\n    contractor based in Tokyo, with twenty years of experience working\n    on U.S.–Japan programs. Husband to a Japanese national, father to\n    three dual-citizen children, and someone who has personally\n    navigated 住民票 registration, 確定申告 filings, FBAR reporting,\n    Japanese inheritance considerations, the JP medical system from\n    the U.S.-insurance side, and the question of where to retire on\n    the opposite shore.\n  <\/p>\n  <p>\n    This tool exists because no commercial financial planning product\n    addresses the specific situation of Americans living in Japan —\n    not the 10-year worldwide-asset clock, not the PFIC trap that\n    poisons most local investment options, not the SOFA-status edge\n    cases, not the bilingual healthcare-record problem, and not the\n    practical \"where is everything\" organization that lets a\n    non-Japanese-reading spouse or executor pick up the pieces in an\n    emergency.\n  <\/p>\n  <p>\n    If Taigan Bridge has been useful to you, you can support its\n    continued development at the link below. Tips fund the API costs\n    that keep the AI-assisted features working and pay for the\n    occasional professional review of cross-border tax + medical\n    content.\n  <\/p>\n<\/section>\n\n<section class=\"affiliations\">\n  <h2>Not affiliated<\/h2>\n  <p>\n    Taigan Bridge is an independent project. It is not affiliated\n    with, endorsed by, or sponsored by the U.S. Department of Defense,\n    the Internal Revenue Service, the U.S. Department of Veterans\n    Affairs, FinCEN, the Government of Japan, the National Tax Agency\n    (国税庁), the Ministry of Health, Labour and Welfare (厚生労働省),\n    the Japan Pension Service (日本年金機構), JA共済, any U.S. military\n    service branch, or any government agency, financial institution,\n    medical institution, or contractor.\n  <\/p>\n<\/section>\n\n<section class=\"version\">\n  <h2>This build<\/h2>\n  <p>\n    Version <span data-version><\/span> &middot;\n    Build <span data-build-hash><\/span> &middot;\n    Released <span data-build-date><\/span>\n  <\/p>\n  <p>\n    <a href=\"#license\">License<\/a> &middot;\n    <a href=\"#changelog\">What's new<\/a> &middot;\n    <a href=\"#feedback\">Send feedback<\/a>\n  <\/p>\n  <p>\n    <strong>Support development:<\/strong>\n    <a href=\"https://ko-fi.com/taiganbridge\" target=\"_blank\" rel=\"noopener noreferrer\">☕ Ko-fi<\/a>\n    &middot;\n    <a href=\"https://www.buymeacoffee.com/TaiganBridge\" target=\"_blank\" rel=\"noopener noreferrer\">🥐 Buy Me a Coffee<\/a>\n  <\/p>\n<\/section>\n\n<footer class=\"modal-footer\">\n  <small>\n    © 2026 Benjamin Eichhorn. Free for personal use.\n    Redistribution and modification require written permission.\n    See <a href=\"#license\">LICENSE<\/a>.\n  <\/small>\n<\/footer>\n";
window.TB.content.licenseText = "# Taigan Bridge — License\n\nCopyright (c) 2026 Benjamin Eichhorn. All rights reserved.\n\nTaigan Bridge is provided free of charge for personal, non-commercial use\nby individual end users. The author retains all intellectual property\nrights in the software, including its source code, design, structure,\ncontent, and brand identity (\"Taigan Bridge\", 対岸, and the bridge mark).\n\n## Official distribution channels\n\nTaigan Bridge is distributed exclusively by the author through the\nfollowing official channels:\n\n- The official GitHub repository maintained by the author\n- The official Taigan Bridge website (taiganbridge.com), if and\n  when launched\n- Direct distribution by the author\n\nDownloading Taigan Bridge from an official channel — including\ncloning the public GitHub repository, downloading a release asset,\nor using the hosted GitHub Pages demo — is fully authorized and\nencouraged. The no-redistribution clause below applies to\nre-publication of Taigan Bridge by any party other than the author.\n\n## You may\n\n- Download, install, and use Taigan Bridge for your own personal\n  financial planning and organizational purposes.\n- Share the original, unmodified distribution file with friends,\n  family, and colleagues via direct transfer (email, messaging,\n  private file share), provided this LICENSE.md and all author\n  attribution remain intact. Public re-hosting is not permitted.\n- Suggest improvements, report bugs, and provide feedback through\n  the designated feedback channel.\n\n## You may not\n\n- Redistribute, mirror, or re-publish Taigan Bridge through any\n  third-party platform, website, app store, marketplace, file-\n  sharing service, or alternative repository without prior written\n  permission from the author. The official channels listed above\n  are the only authorized sources.\n- Modify, fork, decompile, deobfuscate, or create derivative works\n  for redistribution, public release, or commercial use.\n- Strip, alter, or obscure the author attribution, copyright notice,\n  build hash, license file, embedded canary identifiers, or \"Taigan\n  Bridge\" branding.\n- Use Taigan Bridge or any portion of its code, design, content, or\n  branding in a competing product, paid service, consulting offering,\n  or commercial tool of any kind.\n- Use the names \"Taigan Bridge,\" \"Taigan,\" or the 対岸 mark in any\n  product, service, or offering other than this software.\n- Train, fine-tune, or otherwise incorporate this software or its\n  contents into any machine learning model or dataset intended for\n  redistribution.\n\n## No warranty, no advice\n\nTaigan Bridge is an organizational tool only. It is not financial,\ntax, legal, or investment advice. The author is not a licensed\nfinancial advisor, tax professional, attorney, or fiduciary. The\ncost-of-mistake estimates, strategy timelines, and scenario models\nare illustrative, not predictive.\n\nTaigan Bridge is provided \"AS IS,\" without warranty of any kind,\nexpress or implied, including but not limited to warranties of\nmerchantability, fitness for a particular purpose, and non-\ninfringement. In no event shall the author be liable for any claim,\ndamages, or other liability — whether in an action of contract, tort,\nor otherwise — arising from, out of, or in connection with the\nsoftware or the use or other dealings in the software.\n\nYou are responsible for consulting qualified professionals (CPAs,\ntax attorneys, financial advisors, estate planners) for decisions\nthat affect your financial, tax, legal, or estate position. You\naccept full responsibility for any actions taken based on output\nfrom this tool.\n\n## Not affiliated\n\nTaigan Bridge is an independent project. It is not affiliated with,\nendorsed by, or sponsored by the U.S. Department of Defense, the\nInternal Revenue Service, the U.S. Department of Veterans Affairs,\nthe U.S. Department of State, FinCEN, the Government of Japan,\nJA共済, any U.S. military service branch, or any U.S. or Japanese\ngovernment agency, financial institution, or contractor. References\nto government forms, programs, treaties, or procedures are for\norganizational reference only.\n\n## Privacy\n\nTaigan Bridge runs entirely in your browser. Your data is stored\nonly in your browser's local storage and never transmitted to the\nauthor or any third party. The optional AI-assisted features connect\ndirectly from your browser to Anthropic's API using a key you provide.\nThe author does not receive, log, store, or have access to your data,\nyour API key, or your usage of the tool.\n\n## Forensic notice\n\nThis distribution contains embedded build identifiers and forensic\nmarkers for the purpose of identifying unauthorized copies. Removal\nor alteration of these markers does not grant rights under this\nlicense and may constitute evidence of willful infringement.\n\n## Permissions and contact\n\nFor licensing inquiries, redistribution permission, partnership\nrequests, or commercial use, contact: benjamin.eichhorn@gmail.com\n\nBy using Taigan Bridge, you acknowledge that you have read,\nunderstood, and agreed to these terms.\n";
window.TB.content.changelogText = "# Changelog\n\nAll notable changes to Taigan Bridge will be documented in this file.\n\n## [1.0.2] — 2026-06-08 — Nationality-choice framing + calendar fix\n\n### Accuracy\n\n- **国籍選択 (nationality choice) reframed to match the law's real teeth.**\n  Article 14 is a non-penalized \"duty of effort\" (努力義務): missing the\n  date carries no fine and no automatic loss of Japanese nationality —\n  that can happen only after a Ministry of Justice written demand (催告)\n  goes unanswered for a month, and that demand has never been issued to\n  anyone. The Action Center no longer shows a red \"OVERDUE\" alarm once the\n  date passes; it shows a calm, dismissible informational note (no action\n  forced) that explains this and how to confirm status via the 戸籍.\n- **Added the Article 11 vs Article 14 distinction.** Article 11 (automatic\n  loss of Japanese nationality on VOLUNTARILY acquiring a foreign one) is\n  the provision with teeth — and it does NOT apply to someone who was dual\n  from birth. Now stated explicitly so the two aren't conflated.\n- **Clarified that filing 国籍選択届 selecting Japanese does not renounce\n  US citizenship** (separate consular act; Article 16 only asks you to\n  \"endeavor\"). EN + JP.\n- **Bug fix:** the exported calendar (.ics) event for the choice date was\n  still computed at birth + 22 years even after the v1.0.1 deadline fix —\n  corrected to age 20 (dual-from-birth), matching the in-app deadline.\n\n## [1.0.1] — 2026-06-08 — Fact-check corrections + demo hardening\n\n### Accuracy (independent fact-check)\n\nAn independent source-verification audit (issuing-authority sources only,\nplus an adversarial second pass) confirmed the underlying legal/tax\nreasoning is sound — 20 of 22 external claims verified exactly. The fixes\nbelow are time-decaying values that had drifted, plus one stale statute.\n\n- **国籍選択 (nationality choice) deadline — corrected to current law.**\n  Japan's Nationality Act Article 14, amended 2022-04-01: dual nationality\n  acquired before age 18 must be chosen by age **20** (not 22); acquired at\n  or after 18, within 2 years. Updated the deadline math, the onboarding\n  age bands, the glossary, and every EN/JP string. (Deadline tracking is\n  the Family module's core purpose, so this was the top-priority fix.)\n- **FBAR penalties — current figures, per *Bittner*.** Non-willful up to\n  **$16,536 per report** (per report, not per account, after *Bittner*\n  2023); willful the greater of **$165,353** or 50% of the balance.\n- **Treasury year-end FX rates — corrected and now auto-fetched.** Fixed\n  2025 JPY (150.27 → **156.61**) and set every year's JPY to the exact\n  official rate. The FBAR module now auto-fetches official rates from the\n  Treasury Fiscal Data API when opened (not at app boot); the corrected\n  hardcoded table is the offline fallback.\n- **Medicare Part B premium — $202.90 (2026)** (was an inconsistent\n  $175 / $185 across strings).\n- **結婚・子育て資金一括贈与** flipped back on — extended to 2027-03-31 by\n  the FY2025 reform (had been marked expired).\n- **教育資金一括贈与** rendered as closed to new contributions after\n  2026-03-31 (the FY2026 reform did not extend it; funds contributed by the\n  deadline remain covered).\n- **FEIE** now shows $130,000 (2025) alongside $126,500 (2024).\n- **民法 statutory-heir citation** corrected to §887, §889, §890 (§888 was\n  deleted in 1962).\n- **Single source of truth.** The time-decaying values now live in\n  `src/scripts/constants.js`, each stamped with its issuing-authority\n  source and verified date, and tracked in `docs/CLAIM-LEDGER.md`. Annual\n  recheck batch: mid-January.\n\n### Hosted demo hardening\n\n- **Locked down the live demo.** On the hosted preview only (never on a\n  downloaded copy), the Settings API-key field is disabled, AI calls are\n  blocked at the client, and backup restore is turned off — so a visitor\n  can't paste a real API key or load real data into a copy they don't\n  own.\n- **Privacy-friendly demo analytics.** The public demo loads GoatCounter\n  (cookieless, no personal data; aggregate page views plus a count of\n  download-link clicks) so the author can gauge interest. The snippet is\n  injected only into the GitHub\n  Pages copy at deploy time; the downloaded / release build contains no\n  analytics code whatsoever, and any ad-blocker blocks it. See Privacy.\n\n## [1.0.0] — 2026-06-01 — Initial release\n\nThe first public release of Taigan Bridge — a single-file financial,\ntax, estate, and health planning organizer for U.S. persons living in\nJapan. Everything below ships in this build.\n\n### Core architecture\n\n- **Single-file HTML** distribution. Runs from `file://`, no install,\n  no signup, no server. Open the file, the app loads.\n- **Local-only state.** Every record lives in your browser's\n  `localStorage`. The author has no analytics, no telemetry, no\n  tracking. One-click JSON export and one-click full delete.\n- **Bilingual EN / JP.** Every UI string, every prompt, every\n  notification. Furigana annotation on inline JP terms. JP rendering\n  reviewed for naturalness with a native speaker.\n- **Track-based onboarding.** A short branching wizard determines\n  which modules apply to your situation (SOFA contractor, JP\n  spouse, retiree, dual-citizen children, JP property owner, etc.)\n  so the dashboard surfaces only what's relevant.\n- **BYO Claude API key.** AI-assisted features (document extraction,\n  enrichment, Ask Taigan) connect directly from your browser to\n  Anthropic using a key you provide. Per-feature consent + a daily\n  spend cap.\n\n### Modules\n\n- **Net Worth + Assets** — multi-currency account tracking, year-end\n  snapshots with side-by-side YoY review, beneficiary review,\n  tax-loss harvesting scanner (Q4), PFIC scan. AI-assisted\n  statement extraction from images / PDFs with optional chained\n  institution-info enrichment.\n- **FBAR (FinCEN 114)** — full year-by-year filing tracker with\n  Treasury year-end rates, multi-filer households, vision import\n  for passbooks + bank statements, 14-card Filing tab including\n  Form 114a generator, late-filing explanation generator, and an\n  AI FBAR Advisor Q&A backed by your sanitized FBAR context.\n- **Tax Coordinator** — bilingual deadline calendar, forms\n  applicability assessment (1040, 2555, 1116, 8938, 8621,\n  確定申告), document checklist with Document Vault sync,\n  JP-side filing-responsibility split for SOFA + JP-spouse\n  households, FEIE-vs-FTC decision support, PFIC alerts, and a\n  CPA briefing markdown generator. Vision import for W-2 and\n  源泉徴収票.\n- **Projections** — long-horizon scenario modeling with NIIT,\n  IRMAA, state tax, Roth conversion ladder, QBI, Section 603\n  catch-up transitions, scenario compare, monthly view.\n  Treaty-aware tax handling and approach-based optimizers.\n- **Decumulation** — Social Security claiming strategy with\n  WEP/GPO repeal handling, JP pension vesting paths (国民年金 /\n  厚生年金 / 追納 / 任意加入 / 合算 / カラ期間), RMD timing,\n  healthcare bridge planning. Vision import for 年金定期便\n  and SSA statement.\n- **SOFA Roth Sequencing Planner** — five-tab planner (Overview,\n  Profile, Accounts, Sequence, Risks) for the high-stakes window\n  between SOFA status and 住民票 registration. Cost-of-mistake\n  warnings before each critical action.\n- **Estate** — JP statutory shares (民法 §887, §889, §890) auto-derived\n  from family composition, inheritance tax estimation with\n  小規模宅地等の特例, will tracker cross-referenced with Document\n  Vault, 戸籍 handling for foreign decedents, Letter of Instruction\n  generator, and a renunciation / exit-tax (§877A) section.\n- **Property** — JP + U.S. real estate with 固定資産税 tracking,\n  §121 / §469 / §1250 cross-border treatment, U.S. rental income\n  with FEIE / FTC routing, 古民家 / 農地 inheritance scenarios.\n  Vision import for 固定資産税通知書.\n- **Family** — passport renewal tracking with vision import\n  (令和 → ISO conversion handled), 国籍選択 (Japanese Nationality\n  Law Article 14) deadline tracking for dual-citizen children,\n  education savings (529 vs 教育資金一括贈与), gift pre-positioning\n  vehicles (暦年贈与 / 教育資金一括贈与 / 結婚・子育て /\n  相続時精算課税), renunciation tracking.\n- **Veteran** — VA benefits, FMP for service-connected care\n  abroad, TRICARE Overseas, Post-9/11 GI Bill timing,\n  survivor benefits (DIC / SBP), VGLI 485-day deadline. All\n  status-aware (active / reserve / retired / separated).\n- **Healthcare** — Medicare Part B / IRMAA tracking with\n  IEP / SEP guidance, FEHB / TRICARE / FMP coverage routing,\n  Japan NHI / SHI premium estimation, long-term-care\n  (介護保険) timing.\n- **Health Tracker** — exam history, lab results with bilingual\n  reference ranges and AI-generated explanations, dental\n  periodontal tracking with per-tooth findings + trend\n  sparklines, medication list with interaction warnings,\n  insurance card capture, invoice import, care episodes,\n  and a printable Year-in-Review.\n- **Document Vault** — inventory of where every important\n  document lives (passport, will, deed, insurance, tax returns)\n  with AI document classification, expiry alerts, bulk import.\n- **Contacts** — unified address book that auto-pulls from\n  every other module (medical providers, insurance plans,\n  family, professionals) plus built-in Japan emergency numbers\n  and onboarding-driven contacts (US Embassy Tokyo, AMINET, VA).\n- **Consultations** — track CPAs, 税理士, lawyers, immigration\n  attorneys you've engaged. Per-meeting log + follow-up\n  reminders. Surfaces \"have you consulted on X?\" prompts based\n  on your data.\n- **Resident** — non-SOFA Japan-resident specific: 確定申告 prep,\n  permanent residency timing, 10-year worldwide-asset clock,\n  ふるさと納税, 住宅ローン控除, 国民健康保険.\n- **FX & Cross-Border Banking** — live mid-market USD/JPY\n  reference (Frankfurter / Cloudflare / open.er-api fallback\n  cascade), Treasury rate (used for FBAR + all calculations),\n  bidirectional transfer-cost calculator (USD→JPY and JPY→USD)\n  across major remittance platforms (Wise, Revolut, SBI Sumishin,\n  Sony Bank, Schwab International, etc.) with FBAR threshold\n  callouts.\n- **Action Center** — the \"what should I do today?\" surface that\n  aggregates time-sensitive items from every module: FBAR\n  deadlines, document expiries, RMD windows, passport renewals,\n  backup overdue. Dashboard widget rows are clickable for direct\n  navigation.\n- **Sharing & Backup** — Spouse Handoff HTML (bilingual when a\n  JP spouse is detected), Survivor Guide formatted for printing\n  and storing with the will, Advisor JSON, full-state backup\n  with optional auto-prompt schedule.\n- **Ask Taigan** — opt-in AI assistant with read-only access to\n  your Taigan Bridge state for situation-specific questions in\n  either language.\n\n### AI integration architecture\n\n- **Per-feature consent gates** — each AI feature is opt-in via\n  Settings, with four global modes: Full, Per-call confirm,\n  Vision only, Off.\n- **Chained workflows** — when an AI step has a logical successor\n  (e.g., dental invoice extraction → provider info enrichment),\n  the chain runs automatically with a visible opt-out checkbox.\n  Documented in the chain-by-default architectural rule.\n- **Image / PDF vision** wired into every module that ingests\n  structured records: Assets, FBAR, Document Vault, Health\n  Tracker (exams, dental, invoices, insurance cards), Family\n  (passports), Property (固定資産税通知書), Tax (W-2 /\n  源泉徴収票), Decumulation (年金定期便, SSA statement).\n- **和暦 → ISO date conversion** (令和 / 平成 / 昭和) handled\n  in every prompt that touches Japanese documents.\n- **Daily spend cap** (default $5 / day, configurable) prevents\n  runaway costs from stuck loops.\n\n### Distribution & updates\n\n- **GitHub Releases as the official channel.** Each release attaches\n  a single `taigan-bridge-vX.Y.Z.html` you download and open from\n  your own disk.\n- **Hosted demo, clearly fenced.** A static preview is published to\n  GitHub Pages for try-before-you-download. When the app detects it's\n  running from a non-`file://` origin it pins a red \"LIVE DEMO\"\n  banner, auto-loads a fictional sample household, and re-seeds it on\n  refresh — so the shared preview can't be mistaken for your private\n  copy, and nobody accidentally enters real data into it. The demo\n  behavior is a complete no-op when you open your downloaded file.\n- **Opt-in update notifications.** A downloaded copy can check once\n  per day whether a newer release has shipped and surface a\n  dismissable banner with a download link. Off until you say yes via\n  a one-time consent prompt; togglable anytime under Settings →\n  Updates; never auto-updates anything — you always download and\n  replace the file yourself. See the Privacy note for exactly what\n  the check sends.\n- **Support the project (optional).** A footer \"Tips\" link and an\n  About-page chooser point to Ko-fi and Buy Me a Coffee. No tip is\n  ever expected or required; every feature works the same regardless.\n\n### Privacy\n\n- No analytics. No telemetry. No tracking pixels. No fonts loaded\n  from a CDN. No outbound network requests at boot on a fresh install.\n- Optional outbound calls only on explicit user action or opt-in:\n  Treasury / live FX rate fetches (no PII), Claude API calls (your\n  key, your prompts), and — only if you enable it — the daily update\n  check.\n- **Update-check disclosure.** If you opt into update checks\n  (Settings → Updates, off by default), the app fetches a small static\n  `version.js` via the jsDelivr CDN at most once per day. The request\n  sends nothing about you — no account, no usage data, no identifying\n  query parameters. Because jsDelivr publishes aggregate, anonymous\n  hit counts for public files, the author can see a coarse tally of\n  how many installs check for updates. That is the only usage signal\n  that exists anywhere in the app; it is opt-in and carries no\n  identifying information. Turn the toggle off and even that stops.\n- Forensic build identifiers and canary markers embedded in the\n  distribution for the purpose of identifying unauthorized copies.\n\n### License\n\nFree for personal, non-commercial use. Redistribution and\nmodification require written permission. See `LICENSE.md`.\n";
</script>

  <!-- Core scripts. Order matters: state → utils → i18n → tracks
       → ai-client → onboarding → modules → boot. -->
  <!-- Single source of truth for time-decaying facts (FX, penalties,
       premiums, sunsets). Loads first so TB.constants is always available. -->
  <script data-source="scripts/constants.js">
/* Taigan Bridge — constants.js
 *
 * SINGLE SOURCE OF TRUTH for time-decaying facts: dollar / yen figures,
 * penalty amounts, premiums, exclusion amounts, and statutory sunset
 * dates that change on a calendar and must be re-verified periodically.
 *
 * Why this file exists: the 2026-06-07 source-verification audit found
 * that every factual error in v1.0.0 was a hand-entered, time-decaying
 * number that had drifted (FX rates, FBAR penalties, Medicare premium,
 * gift sunset dates) — never the underlying legal reasoning. Centralizing
 * them here, each stamped with its issuing-authority source and the date
 * it was last verified, turns the next audit into a one-file diff.
 *
 * Every value has a matching row in docs/CLAIM-LEDGER.md with the full
 * audit trail and a "recheck by" date. When you change a value here,
 * update that ledger row in the same commit.
 *
 * Load order: this file loads BEFORE state.js and all modules, so
 * TB.constants is always available by the time anything reads it.
 *
 * Annual recheck batch: ~January 15 — Treasury year-end FX, the FinCEN
 * penalty inflation adjustment, and the prior-December Japan tax-reform
 * 大綱 outcomes all land within a couple of weeks of each other.
 */
(function () {
  'use strict';
  window.TB = window.TB || {};

  // ── Medicare ───────────────────────────────────────────────────────
  // CMS announces the standard Part B premium each November.
  const PART_B_PREMIUM_MONTHLY = 202.90; // 2026 — was $185.00 (2025), $174.70 (2024)

  // ── FBAR civil penalties — FinCEN inflation-adjusts these each January ─
  const FBAR_NONWILLFUL_MAX = 16536;  // up to, per REPORT (Bittner 2023), not per account
  const FBAR_WILLFUL_MIN    = 165353; // willful = greater of this OR 50% of the balance

  // ── Foreign Earned Income Exclusion — IRS announces each fall ───────
  const FEIE = { '2024': 126500, '2025': 130000 }; // 2026 figure TBD (recheck Nov 2026)

  // ── Japan gift-tax lump-sum vehicle sunset dates ───────────────────
  const GIFT_SUNSET = {
    // 教育資金一括贈与 — FY2026 (令和8年度) reform did NOT extend. Closed to
    // NEW contributions after this date; funds contributed by then remain
    // covered under the existing rules.
    education: '2026-03-31',
    // 結婚・子育て資金一括贈与 — extended two years by the FY2025 reform.
    marriageChildrearing: '2027-03-31',
  };

  // ── Treasury year-end Reporting Rates of Exchange (FBAR) ────────────
  // The app auto-fetches the official rates from the Fiscal Data API when
  // the FBAR module opens; this table is the OFFLINE FALLBACK only.
  // JPY (the dominant currency for this audience) is corrected to the
  // exact official rate for every year; 2024 EUR/KRW/CAD are also fixed.
  // Other currencies remain close market approximations until the live
  // fetch replaces them — that's why the fallback is labelled as such.
  // All verified against the Fiscal Data API on 2026-06-07.
  const TREASURY_FX_FALLBACK = {
    '2019': { JPY: 108.53, EUR: 0.890, GBP: 0.755, CAD: 1.299, AUD: 1.425, CHF: 0.969, SGD: 1.347, HKD: 7.788, KRW: 1156.4, CNY: 6.962, NZD: 1.486, THB: 29.97, MXN: 18.880, BRL: 4.020, NOK: 8.78 },
    '2020': { JPY: 103.08, EUR: 0.815, GBP: 0.731, CAD: 1.272, AUD: 1.293, CHF: 0.884, SGD: 1.322, HKD: 7.752, KRW: 1086.3, CNY: 6.527, NZD: 1.388, THB: 30.04, MXN: 19.910, BRL: 5.197, NOK: 8.55 },
    '2021': { JPY: 115.04, EUR: 0.882, GBP: 0.741, CAD: 1.263, AUD: 1.376, CHF: 0.911, SGD: 1.350, HKD: 7.798, KRW: 1188.0, CNY: 6.366, NZD: 1.464, THB: 33.42, MXN: 20.510, BRL: 5.581, NOK: 8.83 },
    '2022': { JPY: 131.83, EUR: 0.938, GBP: 0.829, CAD: 1.355, AUD: 1.471, CHF: 0.926, SGD: 1.341, HKD: 7.806, KRW: 1267.3, CNY: 6.898, NZD: 1.575, THB: 34.61, MXN: 19.360, BRL: 5.286, NOK: 9.85 },
    '2023': { JPY: 141.47, EUR: 0.905, GBP: 0.785, CAD: 1.323, AUD: 1.467, CHF: 0.842, SGD: 1.320, HKD: 7.812, KRW: 1289.2, CNY: 7.099, NZD: 1.581, THB: 34.10, MXN: 16.920, BRL: 4.846, NOK: 10.17 },
    '2024': { JPY: 156.85, EUR: 0.961, GBP: 0.799, CAD: 1.438, AUD: 1.617, CHF: 0.907, SGD: 1.365, HKD: 7.768, KRW: 1473.27, CNY: 7.299, NZD: 1.789, THB: 34.10, MXN: 20.830, BRL: 6.187, NOK: 10.56 },
    '2025': { JPY: 156.61, EUR: 0.920, GBP: 0.785, CAD: 1.410, AUD: 1.555, CHF: 0.845, SGD: 1.358, HKD: 7.778, KRW: 1450.0, CNY: 7.250, NZD: 1.741, THB: 34.05, MXN: 20.500, BRL: 6.100, NOK: 10.88 },
  };

  // ── Provenance: issuing-authority source + last-verified + recheck ──
  // Mirrors docs/CLAIM-LEDGER.md. Surfaced nowhere in the UI today, but
  // kept beside the values so the audit trail travels with the code.
  const SOURCES = {
    PART_B_PREMIUM_MONTHLY: { src: 'https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles', verified: '2026-06-07', recheck: '2026-11-30' },
    FBAR_NONWILLFUL_MAX:    { src: '31 CFR 1010.821; Bittner v. US, 598 U.S. 85 (2023)', verified: '2026-06-07', recheck: '2027-01-31' },
    FBAR_WILLFUL_MIN:       { src: '31 CFR 1010.821', verified: '2026-06-07', recheck: '2027-01-31' },
    FEIE:                   { src: 'https://www.irs.gov/individuals/international-taxpayers/foreign-earned-income-exclusion', verified: '2026-06-07', recheck: '2026-11-30' },
    GIFT_SUNSET:            { src: 'https://www.nta.go.jp/ ; https://www.mof.go.jp/tax_policy/tax_reform/ ; https://www.cfa.go.jp/policies/shoushika/zouyozei', verified: '2026-06-07', recheck: '2026-12-31' },
    TREASURY_FX_FALLBACK:   { src: 'https://fiscaldata.treasury.gov/datasets/treasury-reporting-rates-exchange/', verified: '2026-06-07', recheck: '2027-01-15' },
  };

  TB.constants = {
    PART_B_PREMIUM_MONTHLY: PART_B_PREMIUM_MONTHLY,
    FBAR_NONWILLFUL_MAX: FBAR_NONWILLFUL_MAX,
    FBAR_WILLFUL_MIN: FBAR_WILLFUL_MIN,
    FEIE: FEIE,
    GIFT_SUNSET: GIFT_SUNSET,
    TREASURY_FX_FALLBACK: TREASURY_FX_FALLBACK,
    sources: SOURCES,
    meta: {
      lastFullVerification: '2026-06-07',
      nextRequiredVerification: '2027-01-15',
      ledger: 'docs/CLAIM-LEDGER.md',
    },
  };
})();

</script>
  <script data-source="scripts/state.js">
/* Taigan Bridge — state.js
 *
 * Single namespaced object in localStorage under "taigan-bridge-state".
 * Exposes get(path), set(path, value), subscribe(callback),
 * export(), import(json). Includes a state-version field so we can
 * migrate the shape between releases.
 *
 * Vanilla, no dependencies. Attaches to the global TB.state.
 */

(function () {
  'use strict';

  const STORAGE_KEY = 'taigan-bridge-state';
  const CURRENT_VERSION = 4;

  const DEFAULT_STATE = Object.freeze({
    version: CURRENT_VERSION,
    onboarding: {
      complete: false,
      answers: {},
      completedAt: null,
    },
    tracks: [],
    modules: { unlocked: [] },
    profile: {
      displayName: '',
      displayNameJa: '',
    },
    // Normalized FBAR tables. See docs/ARCHITECTURE.md "FBAR data model".
    fbar: {
      filers: [],            // { id, name_en, name_jp, ssn_last4, dob, relationship, isMinor, isUSPerson, filing_address, notes }
      accounts: [],          // { id, filer_ids[], account_type, institution_name, institution_address, account_number_masked, account_number_full, currency, country, opened_year, closed_year, signatory_only, notes }
      yearly_balances: [],   // { id, account_id, year, max_balance_native, max_balance_date, fx_rate_used, fx_rate_source, fx_rate_overridden, max_balance_usd, notes }
      filing_history: [],    // { id, filer_id, year, filed_on, bsa_id, method, notes }
    },
    // Asset & Portfolio Tracker — canonical store for all accounts.
    // SOFA Roth Planner derives its rollup from this list (see
    // TB.assets.aggregateForSofa) so balances are entered ONCE.
    //
    // Account record shape:
    //   id                : string (uuid)
    //   institution       : string (Empower, Schwab, Yokohama Bank, etc.)
    //   name              : string (display name — e.g. "Roth 401(k)")
    //   country           : 'US' | 'JP' | 'OTHER'
    //   tax_wrapper       : 'traditional_ira' | 'traditional_401k_tsp' | 'roth_ira' |
    //                       'roth_401k' | 'taxable_brokerage' | 'hsa' |
    //                       'rsu_unvested' | 'nso_iso' | 'deferred_comp' |
    //                       'us_real_estate' | 'jp_savings' | 'jp_checking' |
    //                       'jp_fixed_deposit' | '529' | 'other'
    //   currency          : ISO-4217 code ('USD', 'JPY', 'EUR', …)
    //   balance_native    : number — current balance in the account's currency
    //   basis_native      : number | null — cost basis in same currency
    //                       (only for taxable_brokerage / us_real_estate)
    //   notes             : string
    //   updated_at        : ISO-8601 date — last user edit of balance
    //   active            : boolean — soft-delete flag (closed/archived)
    //   include_in_sofa   : boolean — exclude 529s, kids' accounts, etc.
    //   close_date        : ISO-8601 | null — CD maturity / planned close
    //   transfer_to       : string | null — target account name on close
    //   beneficiary       : string | null — POD / TOD / 受取人 (free-form,
    //                       can be a person's name, trust, or organization)
    //   account_number_last4 : string | null — last 4 digits, for "the
    //                          one ending in 1234" disambiguation
    //   allocation        : { equity_us, equity_intl, bond, cash,
    //                         real_estate, alternative } — decimals 0-1.
    //                       When all-zero, the wrapper default is used.
    //   fbar_account_id   : string | null — when set, this Assets
    //                       record is a derivative of an FBAR account.
    //                       Institution / currency / last4 / balance
    //                       are auto-synced from FBAR; user-only
    //                       fields (tax_wrapper, allocation, beneficiary,
    //                       include_in_sofa) stay user-controlled.
    //
    // assets.target_allocation: same shape as per-account allocation;
    //   when set, the summary card shows drift deltas.
    //
    // assets.snapshots[]: { id, taken_at, label, total_usd, allocation,
    //   accounts: [{ account_id, institution, name, country, tax_wrapper,
    //   currency, balance_native, balance_usd, allocation }] }
    assets: { accounts: [], target_allocation: null, snapshots: [] },
    // Financial projections — see modules/projections.js. Inputs are
    // user-editable; balances + allocation are pulled live from
    // assets.accounts so there's no double entry. ui_state holds
    // per-session view choices (active tab, chart mode, zoom range).
    projections: {
      inputs: {
        // Career
        base_salary_usd: 137000,
        salary_growth_pct: 3.0,
        contrib_401k_pct: 15.0,
        catch_up_at_50: true,
        employer_match_max_pct: 10.0,
        // Retirement timing
        current_age: 47,
        retire_age: 60,
        ss_start_age: 70,
        ss_monthly_at_70_usd: 4800,
        // Draw
        withdrawal_rate_pct: 4.0,
        monthly_target_usd: null,
        // Per-class growth (applied weighted by each account's allocation)
        growth_equity_us_pct: 7.0,
        growth_equity_intl_pct: 6.0,
        growth_bond_pct: 4.0,
        growth_cash_pct: 4.5,
        growth_real_estate_pct: 4.0,
        growth_alternative_pct: 6.0,
        retirement_growth_dampener_pct: 70,
        retirement_growth_floor_pct: 4.0,
        // Drawdown sequencing — array of tax_wrapper IDs in priority
        // order. Standard tax-efficient default (taxable first, then
        // pre-tax, then Roth last). User can reorder.
        drawdown_order: [
          'taxable_brokerage', 'us_savings', 'us_checking', 'us_cd',
          'us_savings_bond', 'us_treasury',
          'jp_savings', 'jp_checking', 'jp_fixed_deposit',
          'traditional_ira', 'traditional_401k_tsp',
          'hsa', 'roth_ira', 'roth_401k',
          '529', 'us_real_estate',
          'rsu_unvested', 'nso_iso', 'deferred_comp', 'other',
        ],
        project_to_age: 95,
        // Phase 3 — Roth conversion ladder. Each entry moves
        // `amount_usd` from a Traditional wrapper to a Roth wrapper
        // in calendar year `year`, generating ordinary income at the
        // user's US (and post-住民票, JP) marginal rates. Empty by
        // default. Edited via Tax Strategy tab → Conversion editor.
        roth_conversions: [],
        // ── Phase 4 — additional tax accuracy ──────────────────────
        // Filing status drives NIIT and IRMAA thresholds. Defaults to
        // 'mfj' (most common); user can override per scenario.
        filing_status: 'mfj',          // 'single' | 'mfj' | 'mfs' | 'hoh'
        // State income tax — flat % applied to all taxable income.
        // Default 0 = non-resident / income-tax-free state. Real users
        // set their own (e.g., CA 9.3%, NY 6.85%, NJ 6.37%, FL/TX 0%).
        state_tax_pct: 0,
        // NIIT — 3.8% on investment income above MAGI thresholds.
        niit_enabled: true,
        // IRMAA — Medicare Part B+D surcharges starting age 65 based
        // on MAGI two years prior. Per-person; we model the user only.
        irmaa_enabled: true,
        medicare_part_b_base_monthly: 202.90,  // 2026 standard premium; keep in sync with TB.constants.PART_B_PREMIUM_MONTHLY (CLAIM-LEDGER)
        // Social Security COLA — annual inflation adjustment to SS
        // benefits during distribution years. Separate from general
        // inflation_pct so the user can model "what if SS COLA is
        // suppressed" scenarios.
        ss_cola_pct: 2.5,
        // ── Real monthly events (drive the per-month breakdown) ────
        // Bonus paid in this calendar month (1-12) as % of base salary.
        // 0 = no bonus.
        bonus_month: 3,
        bonus_pct_of_salary: 0,
        // RSU vest months — array of 1-12 values. Quarterly-vest
        // schedules are common (3, 6, 9, 12). Empty array = monthly
        // view spreads contributions evenly.
        rsu_vest_months: [3, 6, 9, 12],
      },
      // Phase 2 — inflation assumption + view toggle.
      // inflation_view: 'nominal' (raw future $) | 'real' (today's $).
      // Phase 3 — year_filter restricts chart x-range; table stays full.
      // Phase 4 — primary_currency drives the dollar/yen display:
      //   'usd' → "$1,234,567 (¥187,654,090)" with the yen clickable
      //   'jpy' → "¥187,654,090 ($1,234,567)" with the dollar clickable
      ui_state: {
        active_tab: 'projection',
        chart_mode: 'full',
        scenario_id: null,           // active scenario, null = working draft
        inflation_view: 'nominal',
        inflation_pct: 2.5,
        year_filter: null,           // { from, to } | null
        chart_hover_year: null,      // remembered hover year (sticks last value)
        primary_currency: 'usd',
      },
      // Saved scenarios: { id, name, created_at, inputs }. The
      // currently-displayed inputs live in projections.inputs above;
      // saving snapshots them here. "Active" = the scenario the user
      // last loaded; user changes show as "(unsaved)" until re-saved.
      scenarios: [],
    },
    // SOFA Roth Sequencing Planner — see docs/ARCHITECTURE.md (forthcoming)
    // and modules/sofa-roth.js for the domain model. The window between
    // active SOFA status and 住民票 (juminhyou) registration in Japan is
    // where tax-efficient sequencing of Roth conversions, capital-gains
    // realization, RSU/option exercises, and US asset moves happens.
    // Misordering these steps is "extraordinarily costly" — the tool
    // exists to surface the window and the action checklist.
    sofa: {
      profile: {
        role: '',                     // 'military' | 'dod_civilian' | 'dod_contractor' | 'family_member'
        sofa_status: '',              // 'active' | 'transitioning' | 'post_sofa'
        separation_date: '',          // YYYY-MM-DD — when SOFA orders / employment end
        jp_residency_plan: '',        // 'stay' | 'leave' | 'undecided'
        juminhyou_target_date: '',    // YYYY-MM-DD — planned 住民票 registration if staying
        filing_status: '',            // 'single' | 'mfj' | 'mfs' | 'hoh'
        spouse_us_person: '',         // 'yes' | 'no' | 'na'
        has_minor_children: '',       // 'yes' | 'no'
        notes: '',
      },
      // NOTE: As of v4, account balances live in `assets.accounts[]`
      // (canonical store). SOFA derives its rollup via
      // TB.assets.aggregateForSofa() — no per-wrapper fields here.
      //
      // Tax bracket assumptions (user-supplied or sensible defaults).
      tax_assumptions: {
        us_marginal_pct: null,
        us_ltcg_pct: null,
        jp_marginal_pct: null,
        jp_ltcg_pct: 20.315,
      },
      // Sequence of planned actions. Each step is generated dynamically
      // from profile+accounts but persisted so user-set status (planned,
      // executed, dismissed) survives reload.
      steps: [
        // { id, type, title_en, title_jp, deadline_iso, severity, status,
        //   amount_usd, account_from, account_to, executed_date,
        //   executed_amount, notes }
      ],
      // Versioned acknowledgments + the triple-confirmation acks.
      acks: {
        disclaimer_version: '',
        consulted_cpa: false,
        consulted_cpa_at: null,
      },
    },
    // Action Center — auto-generated to-do surface that pulls from
    // every other module's state. Persisted bit here is just the
    // user's snooze/dismiss choices. dismissed maps action id →
    // { until: ISO } so an "I know, stop showing me" click suppresses
    // the item until a defined date (typically next year for annual
    // recurring items like FBAR April 15).
    action_center: {
      dismissed: {},  // { actionId: { until: 'YYYY-MM-DD' } }
    },
    // Long-Term Resident module — for non-SOFA Americans who are JP
    // tax residents. Tracks: residency arrival/visa/PR status,
    // furusato nozei limit + planned donations, mortgage credit
    // (住宅ローン控除) details, NHI awareness. Action Center watches
    // for 確定申告 deadline, PR eligibility year, 10-year worldwide-
    // asset clock countdown.
    resident: {
      residency: {
        arrival_date: null,        // when first arrived in Japan
        juminhyo_date: null,       // 住民票 registration date
        visa_status: null,         // 'work' | 'spouse_jp' | 'long_term' | 'permanent' | 'cultural' | 'other'
        permanent_residency: false,
        pr_application_filed: null, // date filed (if pending)
      },
      furusato: {
        prior_year_income_jpy: null,
        prior_year_dependents: 0,
        donations_planned_jpy: 0,
      },
      mortgage: {
        has_jp_mortgage: false,
        purchase_year: null,
        loan_balance_jpy: null,
        loan_type: null,           // 'standard' | 'long_term' | 'energy_efficient'
      },
      nhi: {
        enrolled: false,
        prior_year_assessment_jpy: null,
      },
    },
    // Veteran module — service record + VA benefits tracking for US
    // veterans living in Japan. Action Center watches for expiring
    // GI Bill, DD-214 not in vault, VGLI conversion deadline, etc.
    veteran: {
      service: {
        branch: null,            // 'army' | 'navy' | 'air_force' | 'marines' | 'coast_guard' | 'space_force'
        component: null,         // 'active' | 'reserve' | 'national_guard' | 'irr'
        entry_date: null,        // YYYY-MM-DD
        discharge_date: null,    // YYYY-MM-DD
        discharge_type: null,    // 'honorable' | 'general' | 'oth' | 'bcd' | 'dishonorable'
        final_rank: '',
        mos_rating: '',          // job specialty / rate
        retired: false,
      },
      disability: {
        overall_rating_pct: 0,           // 0-100 (in 10% increments per VA standard)
        monthly_compensation_usd: 0,
        individual_unemployability: false, // IU/TDIU — paid at 100% rate even if rated <100%
        last_evaluation_date: null,
        conditions: [],          // [{ id, name, rating_pct, service_connected, effective_date }]
      },
      healthcare: {
        tricare_eligible: false,
        tricare_plan: null,      // 'prime' | 'select' | 'tricare_for_life' | 'overseas' | 'us_family_health_plan'
        fmp_enrolled: false,     // VA Foreign Medical Program for service-connected conditions
        chappy_17: false,        // Chapter 17 indigent vet healthcare
      },
      education: {
        benefit_type: null,      // 'post_911' | 'montgomery' | 'forever_gi_bill' | 'none'
        months_remaining: null,  // out of 36
        expiration_date: null,   // 15-year limit applies to those discharged before 2013
        transferred: false,      // benefits transferred to dependents
      },
      survivor: {
        sgli_amount: null,       // active duty / drill — lapses 120d after separation
        vgli_amount: null,       // post-separation conversion ($400K max)
      },
      // Legacy fields kept for back-compat with v0.x state.
      dd214Stored: false,
      vaRating: null,
      notes: '',
    },
    // Sharing & Backup — generates shareable views for the demographic's
    // typical secondary consumers: spouses (read-only HTML snapshot),
    // survivors (extended LoI as standalone HTML), CPAs/advisors
    // (tax-relevant subset as JSON). Plus full state backup/import.
    //
    //   shares_log: [{ id, type, generated_at, scope_summary, filename }]
    //   preferences: tunables for what each share type includes
    sharing: {
      shares_log: [],
      preferences: {
        spouse_include_balances: true,
        spouse_include_documents: true,
        spouse_include_action_items: true,
        advisor_include_balances: true,
        advisor_include_documents_list: true,
        advisor_anonymize_family: false,
      },
    },
    // Consultation Tracker — log of professionals engaged (CPAs,
    // 税理士, lawyers, immigration attorneys) + per-consultation
    // notes. Surfaces "have you consulted on X?" prompts based on
    // user state (PFIC detected → CPA recommended; renunciation
    // contemplated → specialist recommended; etc.)
    //
    //   professionals: [{ id, name, type, firm, contact, city,
    //     jurisdiction, specialty, retainer_status, notes,
    //     created_at, updated_at }]
    //   consultations: [{ id, professional_id, date, topic,
    //     summary, follow_up_needed, follow_up_date,
    //     related_module, notes }]
    consultations: {
      professionals: [],
      consultations: [],
      // suggested_starting_point — pre-fill from Onboarding v2's
      // consultations_history answer. Used by the Consultations module
      // to render a relevant CTA on first open ('Add your CPA's
      // contact?' for cpa_us_intl users, 'Find a CPA' for no_yet, etc.)
      suggested_starting_point: null,
    },
    // Real Estate / Property — both JP and US property holdings.
    // Single `properties` array with country flag (rather than separate
    // arrays) so the comparison + situs analysis can iterate uniformly.
    //
    // Each property record:
    //   id, label, country ('JP' | 'US' | 'OTHER'), currency,
    //   type ('primary_residence' | 'rental' | 'vacation' | 'kominka' |
    //         'inherited' | 'land' | 'other'),
    //   purchase_date, purchase_price_native, current_value_native,
    //   address, square_meters,
    //   structure_type (JP only: 'wood' | 'rc' | 'src' | 'steel' | 'other'),
    //   mortgage_balance_native, mortgage_rate_pct, mortgage_remaining_years,
    //   annual_property_tax_native, annual_city_tax_native,
    //   annual_insurance_native, monthly_maintenance_native,
    //   // Rental-specific:
    //   rental_status (null | 'rented' | 'vacant' | 'pending'),
    //   monthly_rent_native, annual_rental_expenses_native,
    //   depreciation_started_year, depreciation_basis_native,
    //   // Sale planning:
    //   planned_sale_year, lived_2_of_5_years (US only — §121 eligibility),
    //   // Estate-side flag — drives 小規模宅地等の特例 eligibility in Estate calc:
    //   is_residential_for_inheritance,
    //   notes
    property: {
      properties: [],
      preferences: {
        show_summary_currency: 'usd',  // 'usd' | 'jpy'
      },
    },
    // FX & Cross-Border Banking — daily-decision module for the
    // routine USD↔JPY questions every JP-resident US person faces:
    // which platform for transfers, when to convert, how to hold
    // multi-currency, what's the actual delivered rate. Leverages
    // the FX fetcher already in utils.js + settings.fx.
    //
    //   rate_alerts   : [{ id, direction: 'gt'|'lt', threshold_jpy_per_usd,
    //                      active, last_triggered_at, label }]
    //   preferences   : { primary_platform, monthly_estimate_usd,
    //                     show_all_platforms }
    //   recorded_fees : optional per-platform user-recorded actuals
    //                   (since published rates drift quarterly)
    fx_banking: {
      rate_alerts: [],
      preferences: {
        primary_platform: null,
        monthly_estimate_usd: null,
        show_all_platforms: false,
      },
      recorded_fees: {},
      // platforms_used — pre-fill from Onboarding v2's fx_platforms
      // multi-select. The FX Banking module uses this to surface the
      // user's actual platforms first (rather than leading with Wise
      // for everyone). Values mirror the onboarding option ids:
      // 'wise' | 'revolut' | 'sony_bank' | 'shinsei' | 'rakuten' |
      // 'remitly' | 'westernunion' | 'usaa' | 'navy_fed' | 'broker' |
      // 'crypto' | 'none'.
      platforms_used: [],
    },
    // Retirement Decumulation — closes the planning loop. Projections
    // models accumulation; this module covers SS claiming strategy,
    // JP pension eligibility, JP-resident-aware withdrawal sequence,
    // RMD planning, and the Social Security Fairness Act repeal of
    // WEP/GPO (late 2024) for 厚生年金 recipients.
    //
    //   ss_claiming   : chosen claim age, monthly estimate, spouse strategy
    //   jp_pension    : 国民年金 + 厚生年金 contribution years + estimates
    //   withdrawal    : JP-resident strategy choice + override
    //   rmd_planning  : pre-RMD Roth conversion intent, QCD planning
    decumulation: {
      // retirement_horizon — pre-fill from Onboarding v2. Drives which
      // sections auto-show in the Decumulation module (RMD planning
      // surfaces for 'already' and 'lt5y'; accumulation-flavored
      // content for 'gt30y'). Values: 'already' | 'lt5y' | '5_15y' |
      // '15_30y' | 'gt30y' | 'unsure'.
      retirement_horizon: null,
      ss_claiming: {
        chosen_age: null,                  // 62-70
        estimated_monthly_at_chosen_age_usd: null,
        spouse_strategy: null,              // 'spousal_first' | 'individual' | 'survivor_max' | null
        notes: '',
      },
      jp_pension: {
        kokumin_nenkin_years: null,         // 国民年金 contribution years
        kosei_nenkin_years: null,           // 厚生年金 contribution years
        kosei_estimated_monthly_jpy: null,
        kokumin_estimated_monthly_jpy: null,
        has_japan_coverage_certificate: false,  // for US SE-tax exemption via totalization
        notes: '',
      },
      withdrawal: {
        jp_resident_at_retirement: null,    // boolean
        preferred_strategy: null,           // 'roth_first' | 'pre_tax_first' | 'tax_diversified' | 'standard'
        notes: '',
      },
      rmd_planning: {
        convert_pre_rmd: null,              // boolean strategy flag
        qcd_planned: null,                   // boolean
        notes: '',
      },
    },
    // Healthcare — orchestration layer over the existing health-related
    // surfaces (resident.nhi, veteran.healthcare) plus net-new state
    // for Medicare, 介護保険, end-of-life preferences, and a monthly
    // premium budget aggregation.
    //
    //   medicare         : US Medicare A/B/D enrollment + Part B
    //                      in-Japan decision tracking. Part B premium
    //                      ($202.90/mo in 2026) is paid by every B-enrolled
    //                      person regardless of country, but care abroad
    //                      isn\'t covered — many JP-resident retirees
    //                      pay for nothing. Late-enrollment penalty
    //                      makes the decision asymmetric.
    //   ltc              : 介護保険 (long-term care). Universal in
    //                      Japan at 40+; premium scales with income.
    //                      Tracks care level, funding strategy.
    //   end_of_life      : organ donor flags, DNR preference, funeral
    //                      preferences. Cross-references Document Vault
    //                      for the advance directive document itself.
    //   monthly_budget   : aggregated premium tracking across NHI / SHI
    //                      / TRICARE / Medicare / LTC / private US.
    //                      Driven by user inputs; surfaced as a single
    //                      "you spend $X/mo on healthcare across all
    //                      systems" budget number.
    healthcare: {
      medicare: {
        enrolled_a: false,
        enrolled_b: false,
        enrolled_d: false,
        part_b_premium_monthly_usd: null,
        part_b_decision: null,         // 'enrolled' | 'declined' | 'undecided'
        part_b_decision_notes: '',
        irmaa_tier: null,              // computed elsewhere; stored here for ref
      },
      ltc: {
        applies: null,                 // null = auto from age 40+; true/false override
        care_level: null,              // '要支援1' | '要支援2' | '要介護1' .. '要介護5' | null
        monthly_premium_jpy: null,
        funding_strategy_notes: '',
      },
      end_of_life: {
        organ_donor_us: null,          // boolean
        organ_donor_jp: null,
        dnr_preference: null,          // 'yes' | 'no' | 'limited' | null
        funeral_preference_notes: '',
      },
      // Private / employer-provided international insurance — common
      // for SOFA-exempt expats: DoD contractors, US-company expats,
      // long-term US-company employees with overseas health benefits.
      // CIGNA International, Aetna International, Bupa Global, GeoBlue,
      // and US-employer FEHB are the typical plans. SOFA-status users
      // are NOT required to enroll in NHI/SHI — their coverage usually
      // comes through one of these channels instead.
      private: {
        type: null,                    // 'cigna_intl' | 'aetna_intl' | 'bupa_global' | 'geo_blue' | 'fehb' | 'us_employer' | 'other' | 'none'
        custom_name: '',               // free-form when type === 'other'
        monthly_premium_usd: null,
        monthly_premium_jpy: null,     // some plans bill in JPY
        employer_paid: null,           // 'fully' | 'partially' | 'self'
        notes: '',
      },
      monthly_budget: {
        nhi_jpy: null,
        shi_jpy: null,
        tricare_usd: null,
        medicare_b_usd: null,
        medicare_d_usd: null,
        ltc_jpy: null,
        private_us_usd: null,
        notes: '',
      },
      // coverage_types — multi-select pre-fill from Onboarding v2's
      // healthcare_coverage answer. Surfaces the right banner state in
      // the Healthcare module on first open (e.g., SOFA contractor on
      // CIGNA International gets the right "✓ Private intl" pill rather
      // than a "⚠ Not enrolled" red banner). Values mirror the
      // onboarding option ids: 'nhi' | 'shi' | 'tricare' | 'private_intl'
      // | 'us_employer' | 'medicare' | 'va_fmp' | 'none' | 'unsure'.
      coverage_types: [],
    },
    // ────────────────────────────────────────────────────────────────
    // Health Tracker (v0.37)
    // ────────────────────────────────────────────────────────────────
    //
    // Tactical records-keeping layer. While `healthcare` (above) covers
    // STRATEGIC coverage planning (Medicare timing, NHI vs SHI, EOL
    // preferences, premium budget), `health_tracker` is the
    // operational layer: actual exam results, lab values over time,
    // active medications, care plan, dental log, preventive screenings.
    //
    // Designed for the "upload my lab PDF, see all my history in one
    // place" use case. AI vision extracts structured values from
    // labs/exam reports (consent-gated like every other vision flow).
    //
    // Schema notes:
    //   • exams[]: each exam is a single visit / lab draw / procedure.
    //     Lab results live on the exam, not in a separate global table —
    //     the Lab Results tab queries across exams to build the trend
    //     view. Vitals live on the exam for the same reason.
    //   • medications[]: independent of exams. Includes start/end so
    //     "current vs historical" views work without timestamp queries.
    //   • care_plan: short-term planning surface (concerns, goals,
    //     screenings due). Not coupled to exams.
    //   • dental: separate from exams because dental exams are typically
    //     6-month cadence with their own data shape (X-rays, charting,
    //     procedures) that doesn't fit the medical exam shape.
    //   • insurance_summary: minimal — just enough for an emergency
    //     pull. The deep insurance planning lives in `healthcare`.
    health_tracker: {
      // Exam records. Each exam:
      //   id, date (YYYY-MM-DD), type (physical|blood_panel|imaging|
      //     specialist|emergency|telehealth|other), provider, location,
      //     facility (clinic/hospital name),
      //   vitals { weight_kg, height_cm, bp_systolic, bp_diastolic,
      //     heart_rate_bpm, temp_c, respiratory_rate, spo2_pct, bmi },
      //   lab_results [{ name, value, unit, range_low, range_high,
      //     flag ('normal'|'low'|'high'|'critical'), notes }],
      //   diagnoses [], procedures [], followup, notes,
      //   ai_summary (optional, populated by AI Advisor),
      //   linked_doc_id (Vault back-reference for the source PDF/scan),
      //   linked_consultation_id (Consultations log cross-ref)
      exams: [],
      // Active + historical medications.
      //   id, name (brand), generic_name, dosage, dosage_unit,
      //   frequency (free-form: "twice daily", "as needed", etc.),
      //   route ('oral'|'topical'|'injectable'|'inhaler'|'other'),
      //   started_date, ended_date (null = currently active),
      //   prescriber, pharmacy,
      //   refills_remaining (integer), next_refill_date,
      //   purpose (what condition), side_effects, notes
      medications: [],
      // Active care planning.
      //   primary_concerns [{ id, text, severity, started_date }],
      //   annual_goals [{ id, text, target_date, status }],
      //   preventive_screenings_due [{ id, name, due_date, last_done,
      //     interval_years, notes }] — eg colonoscopy, mammogram,
      //     skin check, etc.
      //   specialist_referrals [{ id, specialty, doctor, requested_date,
      //     completed_date, notes }],
      //   next_appointments [{ id, date, provider, purpose, location }]
      care_plan: {
        primary_concerns: [],
        annual_goals: [],
        preventive_screenings_due: [],
        specialist_referrals: [],
        next_appointments: [],
      },
      // Dental record-keeping.
      //   last_cleaning, last_xrays (date), last_perio (date),
      //   dentist (name), clinic, member_since,
      //   procedures [{ id, date, type, tooth_number, notes, cost_native, currency }],
      //   issues_tracked [{ id, text, started_date, resolved_date }]
      dental: {
        last_cleaning: null,
        last_xrays: null,
        last_perio: null,
        dentist: '',
        clinic: '',
        procedures: [],
        issues_tracked: [],
      },
      // Minimal insurance pointer for emergency pull. The deep
      // insurance planning lives in healthcare.* — this is just the
      // "what's on my card" subset.
      insurance_summary: {
        primary_plan: '',
        member_id_last4: '',
        bin: '',                 // pharmacy BIN if applicable
        pcp_name: '',
        pcp_phone: '',
        notes: '',
      },
      // Module-level preferences.
      preferences: {
        units: 'metric',         // 'metric' | 'imperial'
        track_trends: true,
        default_lab_panel: 'cmp', // 'cmp' | 'cbc' | 'lipid' | 'a1c_full' | 'custom'
      },
      // Care episodes (v0.39) — higher-level grouping that ties
      // together multiple exams + medications + invoices around a
      // single medical event. The motivating example: a colonoscopy
      // screening spans an April pre-procedure consult + a May
      // procedure + a June follow-up + a post-procedure prescription
      // + several invoices. All belong to the same "episode" even
      // though they're separate exam records.
      //
      // Each episode:
      //   id, title (free-form name), status ('active'|'completed'|
      //     'monitoring'|'cancelled'),
      //   category ('screening'|'condition'|'procedure'|'injury'|
      //     'pregnancy'|'other'),
      //   started_date, completed_date,
      //   specialty (e.g., 'gastroenterology'),
      //   provider, facility,
      //   related_condition (free-form clinical note),
      //   exam_ids[], medication_ids[], invoice_ids[],
      //   consultation_ids[]  (cross-link to Consultations module),
      //   vault_doc_ids[]     (cross-link to Document Vault),
      //   notes, outcome,
      //   ai_summary (optional Claude-generated episode-level summary)
      episodes: [],
      // Medical invoices/receipts (v0.39) — separately tracked so they
      // can roll up by episode (total cost of this colonoscopy) or by
      // year (total OOP medical spend). Lives in health_tracker so all
      // medical-related records stay co-located.
      //
      // Each invoice:
      //   id, date, provider, facility,
      //   amount_native, currency (USD/JPY/etc.), amount_usd_calc
      //     (computed at entry time so the historical USD value is
      //     preserved against FX drift),
      //   type ('visit'|'lab'|'procedure'|'rx'|'imaging'|'er'|'other'),
      //   paid (bool), paid_date,
      //   insurance_billed (bool), reimbursement_status
      //     ('na'|'pending'|'submitted'|'received'|'denied'),
      //   reimbursed_native, reimbursed_currency,
      //   episode_id, exam_id, medication_id (cross-refs — all
      //     optional; an invoice can be standalone),
      //   vault_doc_id (cross-link to Document Vault receipt PDF),
      //   notes
      invoices: [],
      // UI state — last-active tab persists across sessions.
      ui_state: {
        active_tab: 'dashboard',
      },
    },
    // Net Worth & Reports — temporal layer over Assets.
    //
    // Snapshots live in assets.snapshots[] (already declared above) so
    // they coexist with the canonical asset records that produced them.
    // Each snapshot freezes total_usd, total_jpy (computed at the FX
    // rate of that moment), and the per-account breakdown.
    //
    // This object holds the cross-cutting preferences + the annual
    // review log + cached report metadata.
    //   preferences.chart_currency       : 'usd' | 'jpy' display toggle
    //   preferences.chart_range          : 'all' | '1y' | '5y' | '10y'
    //   preferences.auto_snapshot_on_fbar : take a snapshot whenever
    //                                       FBAR data changes
    //   preferences.auto_snapshot_year_end: take a snapshot in early Jan
    //   reviews                           : log of annual reviews —
    //                                       [{ id, completed_at, notes,
    //                                         module_states_at_review }]
    //   annual_reports                    : metadata for generated
    //                                       year-end report bundles.
    //                                       The actual Markdown is
    //                                       streamed to the user as a
    //                                       download; we only persist
    //                                       metadata here.
    net_worth: {
      preferences: {
        chart_currency: 'usd',
        chart_range: 'all',
        auto_snapshot_on_fbar: true,
        auto_snapshot_year_end: true,
      },
      reviews: [],
      annual_reports: [],
    },
    // Ask Taigan — AI assistant with full state context. Each chat
    // message includes a generated state-summary digest (markdown, ~2K
    // tokens) so the model can answer questions specific to the user's
    // situation rather than giving generic advice. Conversations are
    // persisted as a personal advisory log.
    //
    //   conversations: [{ id, title, created_at, updated_at, messages: [
    //     { role: 'user' | 'assistant', content, ts }
    //   ] }]
    //   active_conversation_id: currently-open conversation
    //   preferences: tunables for state injection + UI behavior
    ai_assistant: {
      conversations: [],
      active_conversation_id: null,
      preferences: {
        include_full_state: true,
        max_state_chars: 8000,
        suggested_questions_dismissed: false,
        show_disclaimer: true,
      },
    },
    // Estate / Cross-Border Succession — orchestrates death/incapacity
    // planning by reading every other module:
    //   Family roster      → 法定相続人 derivation + statutory shares
    //   Family gifts_log   → 7-year clawback addition to estate
    //   Assets             → situs analysis + beneficiary inventory
    //   Document Vault     → will / POA / advance directive tracking
    //   Resident 10y clock → 永住者 status drives JP worldwide-asset scope
    //   Veteran survivor   → SBP coordination
    //
    // Schema:
    //   status                       : top-line review dates + will status
    //   beneficiaries.overrides      : per-account-id beneficiary records
    //                                  not pulled in from Assets directly
    //                                  (Assets only stores a free-form
    //                                  beneficiary string; Estate tracks
    //                                  primary/contingent + last_reviewed)
    //   letter_of_instruction        : funeral / pet / digital / contacts
    //                                  fields used by the LoI generator
    //   jp_inheritance_assumptions   : user-entered overrides for
    //                                  小規模宅地等の特例 eligibility,
    //                                  business succession, etc.
    estate: {
      status: {
        last_beneficiary_review: null,     // YYYY-MM-DD
        last_will_review: null,            // YYYY-MM-DD
        will_us_status: null,              // 'none' | 'drafted' | 'signed' | 'updated_recent'
        will_jp_status: null,              // 'none' | 'drafted' | 'kosei_shosho' (公正証書)
        executor_us: '',                   // free-form name
        executor_jp: '',                   // free-form name (執行者)
        notes: '',
      },
      beneficiaries: {
        // { account_id: { primary, contingent, percentage,
        //   last_reviewed: 'YYYY-MM-DD', notes } }
        overrides: {},
      },
      letter_of_instruction: {
        funeral_preferences: '',
        pet_instructions: '',
        digital_accounts_note: '',
        important_contacts: [],            // [{ name, relationship, role, contact }]
        additional_notes: '',
        last_generated: null,              // ISO timestamp
      },
      jp_inheritance_assumptions: {
        expects_kominka: false,            // owns 古民家 / small dwelling
        expects_business_succession: false,
        has_jp_real_estate_residence: false, // 小規模宅地等の特例 eligibility
        estimated_other_jp_assets_jpy: null, // assets not in our system
        estimated_other_us_assets_usd: null,
      },
    },
    // Tax Filing Coordinator — orchestrates the year-round US + JP
    // filing calendar. Detects which forms apply by reading other
    // modules (Assets aggregate → 8938 threshold; assets PFIC scan
    // → 8621; onboarding visa/residency → 確定申告; FBAR data → FBAR
    // applicability). State here is small — preparer info, prior-year
    // election history, and manual overrides for things we can't
    // detect automatically (foreign corp ownership, self-employment).
    //
    //   filing_status              : 'single' | 'mfj' | 'mfs' | 'hoh' | 'qw' | null
    //   feie_or_ftc_choice         : 'feie' | 'ftc' | 'both' | 'undecided' | null
    //   jp_filing_responsibility   : 'auto' | 'self' | 'spouse' | 'na' | null
    //                                'auto' (default) derives from onboarding —
    //                                see deriveJpFilingResponsibility() in
    //                                tax-coordinator.js. SOFA contractors with
    //                                a JP-national spouse default to 'spouse'
    //                                (the spouse files her own 確定申告 / 住民税
    //                                / ふるさと納税 — the SOFA holder is exempt
    //                                under SOFA Article 14 ¶7 and unregistered
    //                                under Article 9 ¶2). 'self' / 'spouse' /
    //                                'na' explicitly override the derivation.
    //   preparer                   : { name, contact, notes, next_appointment }
    //   manual_overrides           : flags for things the auto-detector can't
    //                                see (has_pfic, has_foreign_corp,
    //                                self_employed, paid_jp_tax_prior_year)
    //   forms_filed_history        : { 'YYYY': ['1040', '2555', 'fbar', ...] }
    //                                tracked per year so the next-year planning
    //                                inherits last year's choices.
    //   notes                      : free-form
    tax_coordinator: {
      filing_status: null,
      feie_or_ftc_choice: null,
      jp_filing_responsibility: null, // null/undefined = 'auto'
      preparer: {
        name: '',
        contact: '',
        notes: '',
        next_appointment: null,
      },
      manual_overrides: {
        has_pfic: null,
        has_foreign_corp: null,
        self_employed: null,
        paid_jp_tax_prior_year: null,
        // has_non_sofa_jp_income — captured by Onboarding v2's
        // non_sofa_jp_income answer (only asked of SOFA holders). When
        // true, forces 確定申告 to apply even for an otherwise-exempt
        // SOFA contractor (rental income, JP brokerage, etc.).
        has_non_sofa_jp_income: null,
      },
      forms_filed_history: {},
      notes: '',
    },
    // Document Vault — INVENTORY of important documents (passport,
    // will, deeds, tax returns, etc.) with extracted metadata,
    // expiry tracking, and storage location. We DO NOT store the
    // actual file — only extracted fields + a free-form storage
    // location so the user can find the original.
    //   items: [{
    //     id, category, type, title, person_name,
    //     issuing_authority, issue_date, expiry_date,
    //     reference_number_last4, storage_location, notes,
    //     created_at, updated_at
    //   }]
    documentVault: { items: [] },
    // Family module — roster of spouse / children / parents with
    // citizenships, key dates, and dual-nationality tracking. Drives
    // passport-renewal alerts, 国籍選択 (Japanese nationality choice by
    // by age 20) deadlines, education savings strategy (529 vs 学資保険),
    // inheritance pre-positioning (暦年贈与 + 教育資金一括贈与 + 結婚・
    // 子育て + 相続時精算課税), and US citizenship renunciation
    // (covered-expatriate + exit-tax) planning.
    //
    // Member record shape:
    //   id                : uuid
    //   relationship      : 'spouse' | 'child' | 'parent' | 'sibling' | 'other'
    //   name_en           : display name (English)
    //   name_jp           : display name (Japanese, optional)
    //   birth_date        : YYYY-MM-DD
    //   citizenships      : ['US'] | ['JP'] | ['US','JP'] | etc.
    //   gender            : optional
    //   jp_resident       : bool — currently lives in Japan
    //   ssn_or_itin       : 'ssn' | 'itin' | 'none' | null
    //   passport_us       : { number_last4, expires, renewed_at }
    //   passport_jp       : { number_last4, expires, renewed_at }
    //   nationality_choice_made : null | 'us' | 'jp' | 'kept_both'
    //   notes             : free-form
    //   created_at, updated_at
    //
    // gifts_log entries: { id, year, recipient_id, amount_jpy,
    //   vehicle: '暦年贈与' | '教育資金一括贈与' | '結婚・子育て' |
    //            '相続時精算課税' | '配偶者控除', notes }
    family: {
      members: [],
      renunciation: {
        contemplating: false,
        target_year: null,
        consultation_complete: false,
        estimated_net_worth_usd: null,
        estimated_avg_tax_5y_usd: null,
        notes: '',
      },
      gifts_log: [],
    },
    settings: {
      apiKey: '',
      model: 'claude-sonnet-4-6',
      language: 'en',
      lastExportAt: null,
      // Versioned per-module disclaimer acknowledgments.
      // Keyed by module id; value is the version string the user
      // acknowledged. Bumping a module's required version re-prompts.
      disclaimer_acks: {},
      // Per-module section visibility overrides. Keyed by module id,
      // then by section id. Each value is a tri-state:
      //   true   — force show (override auto-detection)
      //   false  — force hide
      //   null   — use auto-detection (predicate from the module's
      //            section registry)
      // Lets users explore a section that onboarding didn't unlock
      // (e.g., dual-citizen children section when no kids were
      // declared) without re-running onboarding. Also lets users
      // hide sections they don't want to see.
      module_customizations: {},
      // Dashboard module visibility overrides — same tri-state pattern
      // but at the MODULE (tile) level rather than section level.
      // Keyed by module id; value is true (force show) / false (force
      // hide) / undefined (use derived). Lets users explore modules
      // their onboarding didn't unlock without re-running onboarding.
      dashboard_modules: {},
      // AI usage tracking (populated by TB.ai.recordUsage on every API
      // call). daily is keyed by YYYY-MM-DD; daily_limit_usd is a soft
      // cap (0 = no limit). Each daily/all_time bucket also carries
      // by_feature (FEATURE_IDS in ai-client.js) and by_model
      // sub-buckets so the Settings → Usage Dashboard can break costs
      // down by what triggered them. Older buckets without those
      // sub-objects are treated as "unattributed" for display.
      usage: {
        daily: {},
        daily_limit_usd: 0,
        all_time: {
          input_tokens: 0, output_tokens: 0, cost_usd: 0, calls: 0,
          by_feature: {},
          by_model: {},
        },
      },
      // API key metadata: when the user last set the key (for the
      // 6-month rotation reminder) and the most recent /v1/messages
      // ping result (for the green/red health badge in Settings).
      api: {
        keySetAt: null,
        lastHealthCheck: null,
      },
      // ai_consent — captured by Onboarding v2's ai_consent question
      // and enforced by ai-client.js → checkConsent() before every
      // network call:
      //   'full'        — all features run without confirmation
      //   'per_call'    — show a one-line consent confirm before each AI call
      //   'vision_only' — allow document-extraction features only
      //                   (fbar_vision, asset_vision, document_vision)
      //   'off'         — disable all AI features (health_check still
      //                   bypasses since it's an explicit user-initiated
      //                   infra test)
      // Defaults to null (treated as 'full' by callers for back-compat
      // with users who haven't run Onboarding v2).
      ai_consent: null,
      // ai_consent_overrides — per-feature force-allow / force-deny
      // that overrides the global posture. Shape:
      //   { feature_id: 'allow' | 'deny' }
      // Where feature_id matches FEATURE_IDS in ai-client.js. 'allow'
      // bypasses the posture (skips per-call prompt; runs even when
      // posture is 'off' or 'vision_only'); 'deny' blocks the feature
      // even when posture is 'full'. Used by power users to e.g.
      // permanently allow asset_enrichment while keeping FBAR vision
      // behind a per-call prompt.
      ai_consent_overrides: {},
      // view_mode — UI polarity. 'user' (default) shows the primary
      // user's perspective: US-side tax filings prominent, JP-side
      // muted-or-hidden for SOFA contractors whose spouse handles JP.
      // 'spouse' INVERTS this: JP-side is primary (確定申告, 住民税,
      // ふるさと納税, NHI, education savings, kids' passports), US-side
      // gets muted "your spouse handles" pills. Used by the primary
      // user to walk through what their spouse needs to do; also drives
      // the bilingual spouse handoff package in Sharing & Backup.
      view_mode: 'user',
      // Accessibility preferences. Applied to <html> at boot:
      //   fontScale     — number in [0.875, 1.5], drives root font-size
      //   highContrast  — bumps borders + ensures focus-visible ring
      //   reducedMotion — collapses transitions/animations
      a11y: {
        fontScale: 1,
        highContrast: false,
        reducedMotion: false,
      },
      // API credit / top-up history. Anthropic credit grants and
      // user-purchased top-ups are logged here so the Settings panel
      // can show a remaining balance. last_reconciled_balance is the
      // user's confirmed actual balance at last_reconciled_at, used
      // to anchor local calculations to Anthropic's source of truth.
      credits: {
        topups: [],
        last_reconciled_at: null,
        last_reconciled_balance: null,
      },
      // Treasury FX rates fetched live from fiscaldata.treasury.gov.
      // Override the hardcoded TREASURY_FX table in fbar.js when
      // present. treasury_rates is keyed by year (string) → { CUR: rate }.
      // treasury_fetched_at is an ISO timestamp of the most recent
      // successful fetch.
      fx: {
        treasury_rates: {},
        treasury_fetched_at: null,
        treasury_fetch_errors: [],
      },
    },
  });

  const subscribers = new Set();
  let cache = null;

  function deepClone(obj) {
    return JSON.parse(JSON.stringify(obj));
  }

  function deepMerge(base, patch) {
    if (Array.isArray(base) || Array.isArray(patch)) return patch;
    if (typeof base !== 'object' || base === null) return patch;
    if (typeof patch !== 'object' || patch === null) return patch;
    const out = Object.assign({}, base);
    for (const key of Object.keys(patch)) {
      out[key] = key in base ? deepMerge(base[key], patch[key]) : patch[key];
    }
    return out;
  }

  function migrate(stored) {
    if (!stored || typeof stored !== 'object') return deepClone(DEFAULT_STATE);
    if (typeof stored.version !== 'number') stored.version = 0;

    // v1 → v2: FBAR shape changed from year-keyed nested
    // (fbar.years[YYYY].accounts) to normalized tables (fbar.filers,
    // fbar.accounts, fbar.yearly_balances, fbar.filing_history).
    // The old shape only existed for ~3 days in dev; no in-place
    // migration is provided. Old fbar data is dropped.
    if (stored.version < 2) {
      stored.fbar = deepClone(DEFAULT_STATE.fbar);
      stored.version = 2;
    }

    // v2 → v3: SOFA Roth Planner schema reshaped from a single
    // `sequence` stub into the full domain model (profile, accounts,
    // tax_assumptions, steps[], acks). The old shape was never
    // exposed to users, so we drop it cleanly.
    if (stored.version < 3) {
      stored.sofa = deepClone(DEFAULT_STATE.sofa);
      stored.version = 3;
    }

    // v3 → v4: Asset & Portfolio Tracker promoted to canonical store.
    // The old `sofa.accounts` flat USD-rollup is converted into
    // individual `assets.accounts[]` records so SOFA can derive the
    // same rollup but balances live in one place.
    if (stored.version < 4) {
      const oldSofa = (stored.sofa && stored.sofa.accounts) || {};
      const seeded = [];
      const now = new Date().toISOString().slice(0, 10);
      const mapping = [
        { f: 'traditional_ira_usd',          name: 'Traditional IRA',         tw: 'traditional_ira' },
        { f: 'traditional_401k_tsp_usd',     name: 'Traditional 401(k) / TSP', tw: 'traditional_401k_tsp' },
        { f: 'roth_ira_usd',                 name: 'Roth IRA',                tw: 'roth_ira' },
        { f: 'roth_401k_usd',                name: 'Roth 401(k)',             tw: 'roth_401k' },
        { f: 'rsu_unvested_value_usd',       name: 'Unvested RSUs',           tw: 'rsu_unvested' },
        { f: 'nso_iso_unrealized_value_usd', name: 'NSO / ISO grants',        tw: 'nso_iso' },
        { f: 'deferred_comp_usd',            name: 'Deferred compensation',   tw: 'deferred_comp' },
        { f: 'hsa_balance_usd',              name: 'HSA',                     tw: 'hsa' },
      ];
      for (const m of mapping) {
        const v = oldSofa[m.f];
        if (v != null && v !== 0) {
          seeded.push({
            id: 'mig-' + m.tw,
            institution: 'Migrated from SOFA',
            name: m.name,
            country: 'US',
            tax_wrapper: m.tw,
            currency: 'USD',
            balance_native: v,
            basis_native: null,
            notes: 'Auto-migrated from earlier SOFA-only entry. Edit institution/name to match your real account.',
            updated_at: now,
            active: true,
            include_in_sofa: true,
            close_date: null,
            transfer_to: null,
          });
        }
      }
      // Taxable brokerage carried both value AND basis — combine.
      if (oldSofa.taxable_brokerage_value_usd != null && oldSofa.taxable_brokerage_value_usd !== 0) {
        seeded.push({
          id: 'mig-taxable',
          institution: 'Migrated from SOFA',
          name: 'Taxable brokerage',
          country: 'US',
          tax_wrapper: 'taxable_brokerage',
          currency: 'USD',
          balance_native: oldSofa.taxable_brokerage_value_usd,
          basis_native: oldSofa.taxable_brokerage_basis_usd != null ? oldSofa.taxable_brokerage_basis_usd : null,
          notes: 'Auto-migrated from earlier SOFA-only entry.',
          updated_at: now,
          active: true,
          include_in_sofa: true,
          close_date: null,
          transfer_to: null,
        });
      }
      // U.S. real estate — same: value + basis pair.
      if (oldSofa.us_real_estate_value_usd != null && oldSofa.us_real_estate_value_usd !== 0) {
        seeded.push({
          id: 'mig-realestate',
          institution: 'Migrated from SOFA',
          name: 'U.S. real estate',
          country: 'US',
          tax_wrapper: 'us_real_estate',
          currency: 'USD',
          balance_native: oldSofa.us_real_estate_value_usd,
          basis_native: oldSofa.us_real_estate_basis_usd != null ? oldSofa.us_real_estate_basis_usd : null,
          notes: 'Auto-migrated from earlier SOFA-only entry.',
          updated_at: now,
          active: true,
          include_in_sofa: true,
          close_date: null,
          transfer_to: null,
        });
      }

      // Merge seeded records into any existing assets.accounts.
      const existing = (stored.assets && Array.isArray(stored.assets.accounts))
        ? stored.assets.accounts : [];
      stored.assets = { accounts: existing.concat(seeded) };

      // Strip the old flat field — SOFA now reads via assets aggregator.
      if (stored.sofa) delete stored.sofa.accounts;
      stored.version = 4;
    }

    // Always merge with defaults to absorb new fields without
    // erasing user data.
    return deepMerge(deepClone(DEFAULT_STATE), stored);
  }

  function load() {
    if (cache) return cache;
    let stored = null;
    try {
      const raw = localStorage.getItem(STORAGE_KEY);
      if (raw) stored = JSON.parse(raw);
    } catch (err) {
      console.warn('[tb.state] failed to parse stored state, resetting:', err);
    }
    cache = migrate(stored);
    return cache;
  }

  function persist() {
    try {
      localStorage.setItem(STORAGE_KEY, JSON.stringify(cache));
    } catch (err) {
      console.error('[tb.state] failed to persist state:', err);
    }
  }

  function notify(path, value) {
    subscribers.forEach((fn) => {
      try { fn(path, value, cache); }
      catch (err) { console.error('[tb.state] subscriber error:', err); }
    });
  }

  function get(path) {
    const root = load();
    if (!path) return deepClone(root);
    const parts = path.split('.');
    let cur = root;
    for (const p of parts) {
      if (cur == null) return undefined;
      cur = cur[p];
    }
    return cur === undefined ? undefined : deepClone(cur);
  }

  function set(path, value) {
    const root = load();
    if (!path) {
      cache = migrate(value);
      persist();
      notify('', cache);
      return;
    }
    const parts = path.split('.');
    let cur = root;
    for (let i = 0; i < parts.length - 1; i++) {
      const p = parts[i];
      if (typeof cur[p] !== 'object' || cur[p] === null) cur[p] = {};
      cur = cur[p];
    }
    cur[parts[parts.length - 1]] = value;
    persist();
    notify(path, value);
  }

  function subscribe(fn) {
    subscribers.add(fn);
    return () => subscribers.delete(fn);
  }

  function exportJson() {
    return JSON.stringify(load(), null, 2);
  }

  function importJson(text) {
    let parsed;
    try { parsed = JSON.parse(text); }
    catch (err) { throw new Error('Invalid JSON: ' + err.message); }
    cache = migrate(parsed);
    persist();
    notify('', cache);
  }

  function reset() {
    cache = deepClone(DEFAULT_STATE);
    persist();
    notify('', cache);
  }

  function clearAll() {
    try { localStorage.removeItem(STORAGE_KEY); }
    catch (err) { console.error('[tb.state] failed to clear:', err); }
    cache = deepClone(DEFAULT_STATE);
    notify('', cache);
  }

  window.TB = window.TB || {};
  window.TB.state = {
    STORAGE_KEY,
    CURRENT_VERSION,
    get,
    set,
    subscribe,
    export: exportJson,
    import: importJson,
    reset,
    clearAll,
  };
})();

</script>
  <script data-source="scripts/utils.js">
/* Taigan Bridge — utils.js
 *
 * Formatters and tiny helpers shared across modules: currency, date,
 * percentage, ID generators, and an FX rate stub.
 */

(function () {
  'use strict';

  // Hardcoded FX fallback rates (units of the named currency per 1 USD,
  // EXCEPT JPYUSD which is the inverse for FBAR-style display). These
  // are intentionally rough — the user can override per-account, and
  // a future Treasury / BoJ live-fetch will replace these. Source as
  // of asOf is approximate mid-2026 published rates.
  const FX_FALLBACK = {
    asOf: '2026-05-01',
    USDJPY: 152.0,
    JPYUSD: 1 / 152.0,
    // Major-currency table: amount-per-USD. toUsd() divides native by
    // these to compute USD. Add new currencies here as they come up.
    perUsd: {
      USD: 1.0,
      JPY: 152.0,
      EUR: 0.92,
      GBP: 0.79,
      AUD: 1.51,
      CAD: 1.37,
      CHF: 0.88,
      KRW: 1370,
      CNY: 7.20,
      HKD: 7.81,
      SGD: 1.34,
    },
    source: 'hardcoded',
  };

  function formatUSD(n, opts) {
    if (n == null || isNaN(n)) return '—';
    const max = (opts && opts.maximumFractionDigits != null) ? opts.maximumFractionDigits : 2;
    return new Intl.NumberFormat('en-US', {
      style: 'currency',
      currency: 'USD',
      maximumFractionDigits: max,
    }).format(n);
  }

  function formatJPY(n) {
    if (n == null || isNaN(n)) return '—';
    return new Intl.NumberFormat('ja-JP', {
      style: 'currency',
      currency: 'JPY',
      maximumFractionDigits: 0,
    }).format(n);
  }

  function formatPercent(n, digits) {
    if (n == null || isNaN(n)) return '—';
    return (n * 100).toFixed(digits == null ? 1 : digits) + '%';
  }

  function formatDate(input, lang) {
    if (!input) return '—';
    const d = input instanceof Date ? input : new Date(input);
    if (isNaN(d.getTime())) return '—';
    const locale = lang === 'ja' ? 'ja-JP' : 'en-US';
    return d.toLocaleDateString(locale, {
      year: 'numeric', month: 'short', day: 'numeric',
    });
  }

  function pad(n) { return String(n).padStart(2, '0'); }

  function isoDate(d) {
    return `${d.getUTCFullYear()}-${pad(d.getUTCMonth() + 1)}-${pad(d.getUTCDate())}`;
  }

  function uuid() {
    if (window.crypto && window.crypto.randomUUID) {
      return window.crypto.randomUUID();
    }
    // RFC4122-ish fallback.
    return 'xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx'.replace(/[xy]/g, (c) => {
      const r = (Math.random() * 16) | 0;
      const v = c === 'x' ? r : (r & 0x3) | 0x8;
      return v.toString(16);
    });
  }

  function shortId(prefix) {
    return (prefix || '') + Math.random().toString(36).slice(2, 8);
  }

  function escapeHtml(str) {
    if (str == null) return '';
    return String(str)
      .replaceAll('&', '&amp;')
      .replaceAll('<', '&lt;')
      .replaceAll('>', '&gt;')
      .replaceAll('"', '&quot;')
      .replaceAll("'", '&#39;');
  }

  function downloadFile(filename, content, mime) {
    const blob = new Blob([content], { type: mime || 'application/octet-stream' });
    const url = URL.createObjectURL(blob);
    const a = document.createElement('a');
    a.href = url;
    a.download = filename;
    document.body.appendChild(a);
    a.click();
    setTimeout(() => {
      document.body.removeChild(a);
      URL.revokeObjectURL(url);
    }, 0);
  }

  function readFileAsText(file) {
    return new Promise((resolve, reject) => {
      const reader = new FileReader();
      reader.onerror = () => reject(reader.error);
      reader.onload = () => resolve(reader.result);
      reader.readAsText(file);
    });
  }

  // SHA-256 hex digest of an ArrayBuffer or File (browser-native via
  // SubtleCrypto). Used by the FBAR upload to detect duplicate
  // documents before sending another billable Claude call.
  async function sha256(input) {
    let buf;
    if (input instanceof ArrayBuffer) {
      buf = input;
    } else if (typeof input === 'string') {
      buf = new TextEncoder().encode(input).buffer;
    } else if (input && typeof input.arrayBuffer === 'function') {
      buf = await input.arrayBuffer();
    } else {
      throw new Error('sha256: unsupported input type');
    }
    const hashBuf = await crypto.subtle.digest('SHA-256', buf);
    const arr = Array.from(new Uint8Array(hashBuf));
    return arr.map((b) => b.toString(16).padStart(2, '0')).join('');
  }

  // FX rate fetch stub. v0.1 returns the hardcoded rate immediately.
  // TODO(v0.x): swap for a real fetch (e.g., exchangerate.host / BoJ
  // reference rate) gated behind an explicit "Fetch live rate" button
  // so the tool stays offline-by-default.
  function getFxRate() {
    return Promise.resolve(Object.assign({}, FX_FALLBACK));
  }

  // ─── Live "current" FX rates from Treasury Fiscal Data ─────────
  //
  // The Treasury rates_of_exchange dataset is published QUARTERLY
  // (Mar/Jun/Sep/Dec record_date). For Assets-module display purposes
  // that's "live enough" — it beats the hardcoded perUsd fallback and
  // requires no API key. FBAR uses the same dataset for year-end
  // snapshots; we ride alongside but query for the most recent
  // record_date instead of a specific December 31.
  //
  // After a successful fetch we write into state.settings.fx:
  //   current_rates:     { USD: 1, JPY: 152.34, EUR: 0.92, … }
  //   current_fetched_at: ISO timestamp of the fetch
  //   current_as_of:     ISO date of the underlying record
  // Errors land in current_fetch_error (string) for surfacing in UI.

  const TREASURY_RATES_API = 'https://api.fiscaldata.treasury.gov/services/api/fiscal_service/v1/accounting/od/rates_of_exchange';

  // Compact desc→ISO map covering the major currencies the Assets
  // module exposes in the dropdown. FBAR carries a fuller table for
  // its FBAR-specific currencies — duplicating the small subset here
  // keeps utils.js standalone and avoids a load-order dependency.
  const TREASURY_DESC_TO_ISO = {
    'JAPAN-YEN': 'JPY',
    'EURO ZONE-EURO': 'EUR',
    'UNITED KINGDOM-POUND': 'GBP',
    'AUSTRALIA-DOLLAR': 'AUD',
    'CANADA-DOLLAR': 'CAD',
    'SWITZERLAND-FRANC': 'CHF',
    'KOREA-WON': 'KRW',
    'CHINA-YUAN RENMINBI': 'CNY',
    'CHINA-RENMINBI': 'CNY',
    'HONG KONG-DOLLAR': 'HKD',
    'SINGAPORE-DOLLAR': 'SGD',
  };

  function descToIso(desc) {
    if (!desc) return null;
    const upper = String(desc).toUpperCase().trim();
    return TREASURY_DESC_TO_ISO[upper] || null;
  }

  async function fetchCurrentTreasuryRates() {
    const url = TREASURY_RATES_API +
      '?fields=country_currency_desc,exchange_rate,record_date' +
      '&sort=-record_date' +
      '&page[size]=200';
    const res = await fetch(url, { method: 'GET' });
    if (!res.ok) throw new Error('Treasury API ' + res.status);
    const json = await res.json();
    const rows = (json && json.data) || [];
    if (rows.length === 0) throw new Error('Treasury API returned no data');
    const asOf = rows[0].record_date;
    const out = { USD: 1 };
    for (const row of rows) {
      if (row.record_date !== asOf) break; // only the most recent quarter
      const iso = descToIso(row.country_currency_desc);
      if (!iso) continue;
      const r = parseFloat(row.exchange_rate);
      if (!isFinite(r) || r <= 0) continue;
      out[iso] = r;
    }
    return { rates: out, asOf };
  }

  // exchangerate.host fallback. Open / no-key API. Returns
  // { USD: 1, JPY: x, EUR: y, … } for the requested base USD.
  // Used to fill currencies Treasury doesn't publish (Phase 5).
  async function fetchExchangerateHost(symbols) {
    const url = 'https://api.exchangerate.host/latest?base=USD' +
      (symbols && symbols.length ? '&symbols=' + symbols.join(',') : '');
    const res = await fetch(url, { method: 'GET' });
    if (!res.ok) throw new Error('exchangerate.host ' + res.status);
    const json = await res.json();
    if (!json || !json.rates) throw new Error('exchangerate.host: no rates field');
    const out = { USD: 1 };
    for (const [k, v] of Object.entries(json.rates)) {
      const r = parseFloat(v);
      if (isFinite(r) && r > 0) out[k] = r;
    }
    return { rates: out, asOf: json.date || null };
  }

  // Fetch + persist. Returns { rates, asOf, fetchedAt } on success or
  // throws. Writes into state.settings.fx.* via TB.state.set so any
  // listener (Assets summary card, etc.) sees the new rates.
  //
  // Strategy: Treasury first (preferred — official, quarterly, the
  // same source FBAR uses). Then exchangerate.host to fill in any
  // currencies the user has accounts in that Treasury didn't return
  // (e.g., NOK, SEK, MXN — not in Treasury's published list).
  async function refreshCurrentFx() {
    if (!window.TB || !TB.state) throw new Error('State not available');
    try {
      const { rates, asOf } = await fetchCurrentTreasuryRates();

      // Look up which currencies are actually in use across the
      // user's accounts so we know which extras to backfill.
      let neededExtras = [];
      try {
        const accounts = (TB.state.get('assets.accounts') || []);
        const inUse = new Set();
        for (const a of accounts) if (a && a.currency) inUse.add(a.currency);
        neededExtras = Array.from(inUse).filter((c) => c !== 'USD' && !rates[c]);
      } catch (e) { /* best-effort */ }

      let fallbackUsed = false;
      if (neededExtras.length > 0) {
        try {
          const ex = await fetchExchangerateHost(neededExtras);
          for (const c of neededExtras) {
            if (ex.rates[c] && !rates[c]) rates[c] = ex.rates[c];
          }
          fallbackUsed = true;
        } catch (e) {
          // Non-fatal — Treasury rates still got persisted.
          console.warn('[fx] exchangerate.host fallback failed:', e);
        }
      }

      const fetchedAt = new Date().toISOString();
      TB.state.set('settings.fx.current_rates', rates);
      TB.state.set('settings.fx.current_as_of', asOf);
      TB.state.set('settings.fx.current_fetched_at', fetchedAt);
      TB.state.set('settings.fx.current_fetch_error', null);
      TB.state.set('settings.fx.current_fallback_used', fallbackUsed);
      return { rates, asOf, fetchedAt, fallbackUsed };
    } catch (err) {
      const msg = (err && err.message) || String(err);
      TB.state.set('settings.fx.current_fetch_error', msg);
      throw err;
    }
  }

  // ─── Live FX rate (informational, NOT used for calculations) ─────
  //
  // Treasury publishes USD/JPY quarterly — that's the rate FBAR + the
  // Assets cost-basis math use, but "as of 3/31" feels stale on a
  // Tuesday in May. Users who are about to do a remittance want to
  // see the actual market rate they'd get TODAY, similar to what
  // Google or Yahoo Finance shows.
  //
  // Source priority (each attempt has CORS enabled for `null` origin
  // so `file://` builds work — that ruled out api.frankfurter.app
  // which only allows http/https origins):
  //
  //   1. jsDelivr-hosted @fawazahmed0/currency-api — daily mid-market
  //      rate sourced from open exchange data, served with permissive
  //      CORS by the CDN. Primary.
  //   2. Cloudflare-hosted mirror of the same dataset — used when the
  //      jsDelivr edge node is sluggish or returns 5xx.
  //   3. open.er-api.com — independent provider, also CORS-friendly,
  //      slightly less frequent updates. Final fallback.
  //
  // We fetch at most once per hour and cache in state. Stored fields:
  //   live_jpy:         number (¥ per $1)
  //   live_as_of:       ISO date the rate is dated
  //   live_fetched_at:  ISO timestamp of OUR fetch
  //   live_source:      'jsDelivr currency-api' / 'open.er-api.com' / etc.
  //   live_fetch_error: string when the last attempt failed

  const LIVE_FX_SOURCES = [
    {
      name: 'jsDelivr currency-api',
      url: 'https://cdn.jsdelivr.net/npm/@fawazahmed0/currency-api@latest/v1/currencies/usd.json',
      parse: (j) => {
        const r = j && j.usd && Number(j.usd.jpy);
        if (!isFinite(r) || r <= 0) return null;
        return { rate: r, asOf: j.date || null };
      },
    },
    {
      name: 'Cloudflare currency-api',
      url: 'https://latest.currency-api.pages.dev/v1/currencies/usd.json',
      parse: (j) => {
        const r = j && j.usd && Number(j.usd.jpy);
        if (!isFinite(r) || r <= 0) return null;
        return { rate: r, asOf: j.date || null };
      },
    },
    {
      name: 'open.er-api.com',
      url: 'https://open.er-api.com/v6/latest/USD',
      parse: (j) => {
        const r = j && j.rates && Number(j.rates.JPY);
        if (!isFinite(r) || r <= 0) return null;
        // open.er-api uses "time_last_update_utc" — convert to ISO date.
        let asOf = null;
        if (j.time_last_update_utc) {
          const d = new Date(j.time_last_update_utc);
          if (!isNaN(d.getTime())) asOf = d.toISOString().slice(0, 10);
        }
        return { rate: r, asOf };
      },
    },
  ];
  const LIVE_FX_CACHE_MS = 60 * 60 * 1000; // 1 hour

  async function fetchLiveJpyRate() {
    const errors = [];
    for (const src of LIVE_FX_SOURCES) {
      try {
        const res = await fetch(src.url, { method: 'GET', cache: 'no-store' });
        if (!res.ok) throw new Error(src.name + ' HTTP ' + res.status);
        const json = await res.json();
        const parsed = src.parse(json);
        if (!parsed) throw new Error(src.name + ': no JPY rate in response');
        return { rate: parsed.rate, asOf: parsed.asOf, source: src.name };
      } catch (err) {
        errors.push(src.name + ': ' + ((err && err.message) || err));
        // Try next source
      }
    }
    throw new Error('All live-FX sources failed — ' + errors.join(' · '));
  }

  // Public: refresh the cached live rate. Safe to call frequently —
  // returns the cached value when the previous fetch is still fresh.
  // `force: true` bypasses the cache (used by the manual refresh
  // button in the FX snapshot card).
  async function refreshLiveFx(opts) {
    if (!window.TB || !TB.state) throw new Error('State not available');
    const force = opts && opts.force;
    const cur = TB.state.get('settings.fx') || {};
    if (!force && cur.live_fetched_at) {
      const ageMs = Date.now() - new Date(cur.live_fetched_at).getTime();
      if (isFinite(ageMs) && ageMs < LIVE_FX_CACHE_MS && cur.live_jpy) {
        return { rate: cur.live_jpy, asOf: cur.live_as_of, source: cur.live_source, cached: true };
      }
    }
    try {
      const { rate, asOf, source } = await fetchLiveJpyRate();
      const fetchedAt = new Date().toISOString();
      TB.state.set('settings.fx.live_jpy', rate);
      TB.state.set('settings.fx.live_as_of', asOf);
      TB.state.set('settings.fx.live_fetched_at', fetchedAt);
      TB.state.set('settings.fx.live_source', source);
      TB.state.set('settings.fx.live_fetch_error', null);
      // Notify any listeners (top banner, FX snapshot card) so they
      // can re-render without polling. The detail carries the rate so
      // simple subscribers don't need to re-read state.
      try {
        document.dispatchEvent(new CustomEvent('tb:live-fx-updated', {
          detail: { rate, asOf, source, fetchedAt },
        }));
      } catch (_) { /* no document in odd environments */ }
      return { rate, asOf, source, fetchedAt, cached: false };
    } catch (err) {
      const msg = (err && err.message) || String(err);
      TB.state.set('settings.fx.live_fetch_error', msg);
      throw err;
    }
  }

  // Synchronous accessor — returns the cached live rate without
  // triggering a fetch. Used by the disclaimer-banner widget.
  function getLiveJpyRate() {
    const fx = (window.TB && TB.state && TB.state.get('settings.fx')) || {};
    if (!fx.live_jpy) return null;
    return {
      rate: fx.live_jpy,
      asOf: fx.live_as_of || null,
      fetchedAt: fx.live_fetched_at || null,
      source: fx.live_source || null,
    };
  }

  // ─── Drag-and-drop file upload helper ──────────────────────────────
  //
  // attachFileDrop(zoneElement, opts) wires drag-and-drop file upload
  // to any DOM element. Used everywhere the tool accepts an upload —
  // Assets statement upload, Document Vault, FBAR statements, Settings
  // JSON import. Mirrors the file-picker UX (single file, MIME filter)
  // so behavior is consistent regardless of how the file got there.
  //
  // opts:
  //   accept:  array of MIME types or extensions (e.g.
  //            ['image/png', 'application/pdf'] or ['.pdf']).
  //            Falsy → accept anything.
  //   onFile:  (File) => void   — called when a valid file is dropped
  //   onError: (string) => void — called on rejected (wrong type) drops
  //   text:    optional override for the "Drop to upload" overlay text
  //
  // Returns a detach() function that removes all listeners + classes.
  // Visual feedback is CSS-driven via .tb-dropzone / .tb-dropzone-active.
  function attachFileDrop(zone, opts) {
    opts = opts || {};
    const accept = opts.accept || null;
    const onFile = opts.onFile;
    const onError = opts.onError;
    if (!zone || typeof onFile !== 'function') return function noop() {};

    // Drag enter/leave bubbles up from children, so we use a counter
    // to track "is the file actually over the zone or just passing
    // between nested children". Increment on enter, decrement on
    // leave; only toggle the active class at the boundary.
    let counter = 0;

    function isAccepted(file) {
      if (!accept || accept.length === 0) return true;
      const ft = (file.type || '').toLowerCase();
      const fn = (file.name || '').toLowerCase();
      for (const a of accept) {
        const al = a.toLowerCase();
        if (al === ft) return true;
        if (al.endsWith('/*') && ft.startsWith(al.slice(0, -1))) return true;
        if (al.startsWith('.') && fn.endsWith(al)) return true;
      }
      return false;
    }

    function onDragEnter(e) {
      // Only react to file drags, not text/element drags within the page.
      if (!e.dataTransfer || !e.dataTransfer.types) return;
      if (e.dataTransfer.types.indexOf('Files') === -1) return;
      e.preventDefault();
      e.stopPropagation();
      counter++;
      if (counter === 1) zone.classList.add('tb-dropzone-active');
    }
    function onDragLeave(e) {
      if (!e.dataTransfer || !e.dataTransfer.types) return;
      if (e.dataTransfer.types.indexOf('Files') === -1) return;
      e.preventDefault();
      e.stopPropagation();
      counter--;
      if (counter <= 0) {
        counter = 0;
        zone.classList.remove('tb-dropzone-active');
      }
    }
    function onDragOver(e) {
      if (!e.dataTransfer || !e.dataTransfer.types) return;
      if (e.dataTransfer.types.indexOf('Files') === -1) return;
      e.preventDefault();
      e.stopPropagation();
      e.dataTransfer.dropEffect = 'copy';
    }
    function onDrop(e) {
      if (!e.dataTransfer || !e.dataTransfer.types) return;
      if (e.dataTransfer.types.indexOf('Files') === -1) return;
      e.preventDefault();
      e.stopPropagation();
      counter = 0;
      zone.classList.remove('tb-dropzone-active');
      const files = e.dataTransfer.files;
      if (!files || files.length === 0) return;
      const file = files[0]; // single-file paradigm matches our file pickers
      if (!isAccepted(file)) {
        if (onError) onError('Unsupported file type: ' + (file.type || file.name || 'unknown'));
        return;
      }
      onFile(file);
    }

    zone.addEventListener('dragenter', onDragEnter);
    zone.addEventListener('dragleave', onDragLeave);
    zone.addEventListener('dragover', onDragOver);
    zone.addEventListener('drop', onDrop);
    zone.classList.add('tb-dropzone');
    if (opts.text) zone.setAttribute('data-dropzone-text', opts.text);
    else if (!zone.hasAttribute('data-dropzone-text')) {
      zone.setAttribute('data-dropzone-text', '⤓ Drop to upload');
    }

    return function detach() {
      zone.removeEventListener('dragenter', onDragEnter);
      zone.removeEventListener('dragleave', onDragLeave);
      zone.removeEventListener('dragover', onDragOver);
      zone.removeEventListener('drop', onDrop);
      zone.classList.remove('tb-dropzone');
      zone.classList.remove('tb-dropzone-active');
    };
  }

  // ─── Slider component helper ───────────────────────────────────────
  //
  // Returns a DOM node containing a styled range input + label + live
  // value display + tick labels. Updates a CSS variable on the input
  // for the dual-track fill effect, calls onInput(value) on every drag
  // step, and onChange(value) when the user releases. Variant flag
  // selects the accent color ('accent' | 'success' | 'navy').
  //
  // opts: {
  //   label,           // string label shown above
  //   value,           // initial numeric value
  //   min, max, step,  // standard range params
  //   variant,         // 'accent' | 'success' | 'navy' (default 'accent')
  //   ticks,           // array of {at, text} or strings
  //   side,            // small subtitle to the right of the value
  //   help,            // optional help text below
  //   format,          // (v) => string, value display formatter
  //   onInput,         // (v) => void, fires during drag
  //   onChange,        // (v) => void, fires on release
  // }
  function buildSlider(opts) {
    const o = opts || {};
    const min = (o.min != null) ? Number(o.min) : 0;
    const max = (o.max != null) ? Number(o.max) : 100;
    const step = (o.step != null) ? Number(o.step) : 1;
    const startVal = (o.value != null) ? Number(o.value) : min;
    const variant = o.variant ? ('tb-slider--' + o.variant) : '';
    const fmt = o.format || ((v) => String(v));

    const wrap = document.createElement('div');
    wrap.className = ('tb-slider ' + variant).trim();

    const header = document.createElement('div');
    header.className = 'tb-slider-header';
    if (o.label) {
      const lbl = document.createElement('span');
      lbl.className = 'tb-slider-label';
      lbl.textContent = o.label;
      header.appendChild(lbl);
    }
    const valSpan = document.createElement('span');
    valSpan.className = 'tb-slider-value';
    valSpan.textContent = fmt(startVal);
    header.appendChild(valSpan);
    if (o.side) {
      const sideSpan = document.createElement('span');
      sideSpan.className = 'tb-slider-side';
      sideSpan.textContent = o.side;
      header.appendChild(sideSpan);
    }
    wrap.appendChild(header);

    const input = document.createElement('input');
    input.type = 'range';
    input.min = String(min);
    input.max = String(max);
    input.step = String(step);
    input.value = String(startVal);
    function pct(v) { return Math.max(0, Math.min(100, ((v - min) / (max - min)) * 100)); }
    input.style.setProperty('--tb-slider-pct', String(pct(startVal)));
    input.addEventListener('input', (e) => {
      const v = Number(e.target.value);
      input.style.setProperty('--tb-slider-pct', String(pct(v)));
      valSpan.textContent = fmt(v);
      if (typeof o.onInput === 'function') o.onInput(v);
    });
    input.addEventListener('change', (e) => {
      const v = Number(e.target.value);
      if (typeof o.onChange === 'function') o.onChange(v);
    });
    wrap.appendChild(input);

    if (o.ticks && o.ticks.length) {
      const ticks = document.createElement('div');
      ticks.className = 'tb-slider-ticks';
      for (const t of o.ticks) {
        const span = document.createElement('span');
        span.textContent = (typeof t === 'string') ? t : (t && t.text) || '';
        ticks.appendChild(span);
      }
      wrap.appendChild(ticks);
    }
    if (o.help) {
      const help = document.createElement('div');
      help.className = 'tb-slider-help';
      help.textContent = o.help;
      wrap.appendChild(help);
    }

    return {
      node: wrap,
      setValue(v) {
        input.value = String(v);
        input.style.setProperty('--tb-slider-pct', String(pct(Number(v))));
        valSpan.textContent = fmt(Number(v));
      },
      setSide(text) {
        const existing = wrap.querySelector('.tb-slider-side');
        if (existing) existing.textContent = text;
      },
    };
  }

  function el(tag, attrs, ...children) {
    const node = document.createElement(tag);
    if (attrs) {
      for (const [k, v] of Object.entries(attrs)) {
        if (v == null || v === false) continue;
        if (k === 'class') node.className = v;
        else if (k === 'style' && typeof v === 'object') Object.assign(node.style, v);
        else if (k === 'dataset' && typeof v === 'object') Object.assign(node.dataset, v);
        else if (k.startsWith('on') && typeof v === 'function') node.addEventListener(k.slice(2).toLowerCase(), v);
        else if (k === 'html') node.innerHTML = v;
        else node.setAttribute(k, v === true ? '' : v);
      }
    }
    for (const child of children.flat()) {
      if (child == null || child === false) continue;
      node.appendChild(child instanceof Node ? child : document.createTextNode(String(child)));
    }
    return node;
  }

  // ─── Japanese term annotations ──────────────────────────────────────────
  //
  // Each entry becomes a <ruby class="tb-jp" data-jp-en="…">kanji<rt>かな</rt></ruby>
  // wherever the kanji appears in rendered DOM text. The tooltip shows the
  // English meaning; the <rt> shows the furigana reading (hidden in JP UI).
  //
  // Sorted longest-first so longer compounds match before their components.
  // The annotator wraps each occurrence in <ruby>kanji<rt>furigana</rt></ruby>
  // — furigana shown above only in English UI mode (hidden in JP).
  // The `en` tooltip shows on hover regardless of UI language.
  const JP_TERMS = [
    // ── Multi-kanji compounds (longest-first match precedence) ─────
    { kanji: '小規模宅地等の特例',   furigana: 'しょうきぼたくちとうのとくれい', en: 'small residential property special exception (80% inheritance valuation reduction)' },
    { kanji: '個人型確定拠出年金',   furigana: 'こじんがたかくていきょしゅつねんきん', en: 'iDeCo — individual defined contribution pension' },
    { kanji: '少額投資非課税制度',   furigana: 'しょうがくとうしひかぜいせいど', en: 'NISA — small-amount investment tax exemption' },
    { kanji: '結婚・子育て資金一括贈与', furigana: 'けっこんこそだてしきんいっかつぞうよ', en: 'marriage / child-rearing lump-sum gift exemption' },
    { kanji: '教育資金一括贈与',     furigana: 'きょういくしきんいっかつぞうよ', en: 'education lump-sum gift (¥15M tax-free to grandchildren)' },
    { kanji: '相続時精算課税',       furigana: 'そうぞくじせいさんかぜい', en: 'settlement-at-inheritance taxation system (¥25M lifetime gift cap)' },
    { kanji: '出入国在留管理庁',     furigana: 'しゅつにゅうこくざいりゅうかんりちょう', en: 'Immigration Services Agency of Japan' },
    { kanji: '固定資産税評価額',     furigana: 'こていしさんぜいひょうかがく', en: 'fixed-asset tax assessed value (real estate)' },
    { kanji: '小規模企業共済',       furigana: 'しょうきぼきぎょうきょうさい', en: 'small business mutual aid (deferred-tax retirement plan for self-employed)' },
    { kanji: '生命保険料控除',       furigana: 'せいめいほけんりょうこうじょ', en: 'life insurance premium deduction' },
    { kanji: '地震保険料控除',       furigana: 'じしんほけんりょうこうじょ', en: 'earthquake insurance premium deduction' },
    { kanji: '長期優良住宅',         furigana: 'ちょうきゆうりょうじゅうたく', en: 'long-term excellent housing (¥45M mortgage credit cap)' },
    { kanji: '住宅ローン控除',       furigana: 'じゅうたくろーんこうじょ', en: 'mortgage tax credit (0.7% × balance × 13y)' },
    { kanji: '結婚資金贈与',         furigana: 'けっこんしきんぞうよ', en: 'marriage funds gift exemption' },
    { kanji: '高額療養費',           furigana: 'こうがくりょうようひ', en: 'high-cost medical expense subsidy' },
    { kanji: '高度専門職',           furigana: 'こうどせんもんしょく', en: 'highly skilled professional (HSP visa, fast-track PR)' },
    { kanji: '申告分離課税',         furigana: 'しんこくぶんりかぜい', en: 'separate self-assessment taxation (capital gains)' },
    { kanji: '源泉徴収票',           furigana: 'げんせんちょうしゅうひょう', en: 'gensen choshu hyo — Japan equivalent of W-2' },
    { kanji: '特定贈与信託',         furigana: 'とくていぞうよしんたく', en: 'special-needs trust (for severely disabled heirs)' },
    { kanji: '配偶者控除',           furigana: 'はいぐうしゃこうじょ', en: 'spouse deduction (¥160M inheritance tax-free)' },
    { kanji: '医療費控除',           furigana: 'いりょうひこうじょ', en: 'medical expense deduction (>¥100K/yr)' },
    { kanji: '国民健康保険',         furigana: 'こくみんけんこうほけん', en: 'National Health Insurance (NHI)' },
    { kanji: '出入国管理',           furigana: 'しゅつにゅうこくかんり', en: 'immigration control' },
    { kanji: '帯同家族',             furigana: 'たいどうかぞく', en: 'accompanying family members' },
    { kanji: '扶養家族',             furigana: 'ふようかぞく', en: 'dependent family members' },
    { kanji: '雑損控除',             furigana: 'ざっそんこうじょ', en: 'casualty loss deduction' },
    { kanji: '海外居住者',           furigana: 'かいがいきょじゅうしゃ', en: 'overseas resident (used in IRS expat-extension context)' },
    { kanji: '全世界所得',           furigana: 'ぜんせかいしょとく', en: 'worldwide income (taxed for 永住者 status year 6+)' },
    { kanji: '日本源泉所得',         furigana: 'にほんげんせんしょとく', en: 'Japan-source income' },
    { kanji: '外国税額控除',         furigana: 'がいこくぜいがくこうじょ', en: 'Foreign Tax Credit (JP-side; mirrors US FTC)' },
    { kanji: '確定拠出年金',         furigana: 'かくていきょしゅつねんきん', en: 'Defined Contribution Pension (iDeCo)' },
    { kanji: '取引報告書',           furigana: 'とりひきほうこくしょ', en: 'transaction report (annual; from JP brokerage)' },
    { kanji: '残高証明書',           furigana: 'ざんだかしょうめいしょ', en: 'balance certificate (year-end statement)' },
    { kanji: '税額決定通知書',       furigana: 'ぜいがくけっていつうちしょ', en: 'tax assessment notice (juminze)' },
    { kanji: '送金所得',             furigana: 'そうきんしょとく', en: 'remitted income (taxable for 非永住者)' },
    { kanji: '日本国籍選択届',       furigana: 'にほんこくせきせんたくとどけ', en: 'Japanese Nationality Choice form (filed at 市役所; deadline age 20 if dual since before 18)' },
    { kanji: '国籍喪失届',           furigana: 'こくせきそうしつとどけ', en: 'Notification of Loss of Nationality (filed when choosing US over JP)' },
    { kanji: '居住用不動産',         furigana: 'きょじゅうようふどうさん', en: 'residential real estate' },
    { kanji: '残存有効期間',         furigana: 'ざんぞんゆうこうきかん', en: 'remaining validity period (passport)' },
    { kanji: '米国市民権',           furigana: 'べいこくしみんけん', en: 'US citizenship' },
    { kanji: '直系卑属',             furigana: 'ちょっけいひぞく', en: 'lineal descendant (children, grandchildren — eligible for 教育資金一括贈与)' },
    { kanji: '適格教育機関',         furigana: 'てきかくきょういくきかん', en: 'eligible educational institution (529-qualified)' },
    { kanji: '適格高等教育費',       furigana: 'てきかくこうとうきょういくひ', en: 'qualified higher education expenses (529)' },
    { kanji: '集団訴訟',             furigana: 'しゅうだんそしょう', en: 'class-action lawsuit' },
    { kanji: '介護認定審査会',       furigana: 'かいごにんていしんさかい', en: 'municipal LTC certification committee (assigns 要介護 levels)' },
    { kanji: '医療代理人',           furigana: 'いりょうだいりにん', en: 'medical proxy / healthcare POA' },
    { kanji: '健康代理人',           furigana: 'けんこうだいりにん', en: 'health POA (alt term for 医療代理人)' },
    { kanji: '法定相続情報一覧図',   furigana: 'ほうていそうぞくじょうほういちらんず', en: 'consolidated heir-certification document (filed at 法務局)' },
    { kanji: '公正証書遺言',         furigana: 'こうせいしょうしょいごん', en: 'notarized JP will (skips 家庭裁判所 検認)' },
    { kanji: '事業承継税制',         furigana: 'じぎょうしょうけいぜいせい', en: 'business succession tax regime (defers up to 100% of inheritance tax for qualifying transfers)' },
    { kanji: '遺言執行者',           furigana: 'ゆいごんしっこうしゃ', en: 'will executor' },
    { kanji: '法定相続分',           furigana: 'ほうていそうぞくぶん', en: 'statutory inheritance share (Civil Code §900)' },
    { kanji: '家庭裁判所',           furigana: 'かていさいばんしょ', en: 'family court (handles intestate probate, 検認)' },
    { kanji: '直系尊属',             furigana: 'ちょっけいそんぞく', en: 'lineal ascendant (parent, grandparent — 第2順位 heir)' },
    { kanji: '代襲相続',             furigana: 'だいしゅうそうぞく', en: 'representation inheritance (grandchild takes deceased parent\'s share)' },

    // ── 4-character compounds ─────────────────────────────────────
    { kanji: '確定申告',   furigana: 'かくていしんこく', en: 'kakutei shinkoku — Japan annual tax return (Feb 16 - Mar 15)' },
    { kanji: '予定納税',   furigana: 'よていのうぜい', en: 'estimated tax prepayment (JP mid-year, Jul + Nov)' },
    { kanji: '提出期限',   furigana: 'ていしゅつきげん', en: 'submission deadline' },
    { kanji: '通常期限',   furigana: 'つうじょうきげん', en: 'standard deadline' },
    { kanji: '延長期限',   furigana: 'えんちょうきげん', en: 'extended deadline' },
    { kanji: '自動延長',   furigana: 'じどうえんちょう', en: 'automatic extension' },
    { kanji: '受付開始',   furigana: 'うけつけかいし', en: 'window opens / acceptance begins' },
    { kanji: '合同会社',   furigana: 'ごうどうがいしゃ', en: 'gōdō-gaisha — JP LLC (creates US CFC if US-owned ≥10%)' },
    { kanji: '株式会社',   furigana: 'かぶしきがいしゃ', en: 'kabushiki-gaisha — JP joint-stock company (creates US CFC if US-owned ≥10%)' },
    { kanji: '租税条約',   furigana: 'そぜいじょうやく', en: 'tax treaty (e.g., US-Japan totalization agreement)' },
    { kanji: '二重課税',   furigana: 'にじゅうかぜい', en: 'double taxation (mitigated by FTC + treaty)' },
    { kanji: '外国法人',   furigana: 'がいこくほうじん', en: 'foreign corporation (triggers US Form 5471 for ≥10% owners)' },
    { kanji: '日米地位協定', furigana: 'にちべいちいきょうてい', en: 'US-Japan Status of Forces Agreement (SOFA)' },
    { kanji: '雇用主',     furigana: 'こようぬし', en: 'employer' },
    { kanji: '駐在員',     furigana: 'ちゅうざいいん', en: 'expat / overseas-posted employee' },
    { kanji: '申告書',     furigana: 'しんこくしょ', en: 'tax return / declaration form' },
    { kanji: '法人',       furigana: 'ほうじん', en: 'corporation / legal entity' },
    { kanji: '納税',       furigana: 'のうぜい', en: 'tax payment' },
    { kanji: '銀行',       furigana: 'ぎんこう', en: 'bank' },
    { kanji: '期限',       furigana: 'きげん', en: 'deadline' },
    { kanji: '控え',       furigana: 'ひかえ', en: 'copy / duplicate (e.g., 申告書の控え)' },
    { kanji: '申請',       furigana: 'しんせい', en: 'application / request' },
    { kanji: '第1期',     furigana: 'だいいっき', en: '1st installment / period' },
    { kanji: '第2期',     furigana: 'だいにき', en: '2nd installment / period' },
    { kanji: '国籍選択', furigana: 'こくせきせんたく', en: 'nationality choice (since 2022: by age 20 if dual before 18; otherwise within 2 years of acquiring)' },
    { kanji: '兄弟姉妹', furigana: 'きょうだいしまい', en: 'siblings' },
    { kanji: '都道府県', furigana: 'とどうふけん', en: 'prefectures (47 administrative divisions of Japan)' },
    { kanji: '持ち戻し', furigana: 'もちもどし', en: 'clawback (gifts pulled back into estate; 7y rule)' },
    { kanji: '国籍喪失', furigana: 'こくせきそうしつ', en: 'loss of nationality' },
    { kanji: '国籍法',   furigana: 'こくせきほう', en: 'Japanese Nationality Act' },
    { kanji: '市民権',   furigana: 'しみんけん', en: 'citizenship' },
    { kanji: '領事館',   furigana: 'りょうじかん', en: 'consulate' },
    { kanji: '旅券課',   furigana: 'りょけんか', en: 'passport division (prefectural office)' },
    { kanji: '不可逆',   furigana: 'ふかぎゃく', en: 'irreversible' },
    { kanji: '再帰化',   furigana: 'さいきか', en: 'renaturalization (re-acquiring renounced citizenship)' },
    { kanji: '続柄',     furigana: 'つづきがら', en: 'family relationship (term used in 戸籍 records)' },
    { kanji: '放棄',     furigana: 'ほうき', en: 'renunciation / abandonment' },
    { kanji: '大使館',   furigana: 'たいしかん', en: 'embassy' },
    { kanji: '出国日',   furigana: 'しゅっこくび', en: 'expatriation date (renunciation oath date)' },
    { kanji: '宣誓書',   furigana: 'せんせいしょ', en: 'oath / affidavit' },
    { kanji: '質問票',   furigana: 'しつもんひょう', en: 'questionnaire' },
    { kanji: '節税',     furigana: 'せつぜい', en: 'tax avoidance / minimization' },
    { kanji: '介護保険', furigana: 'かいごほけん', en: 'long-term care insurance (mandatory in JP at age 40+)' },
    { kanji: '生前指示書', furigana: 'せいぜんしじしょ', en: 'advance directive / living will' },
    { kanji: '臓器提供', furigana: 'ぞうきていきょう', en: 'organ donation' },
    { kanji: '蘇生拒否', furigana: 'そせいきょひ', en: 'do-not-resuscitate (DNR) preference' },
    { kanji: '要介護',   furigana: 'ようかいご', en: 'requires care (LTC level 1-5; assigned by 介護認定審査会)' },
    { kanji: '要支援',   furigana: 'ようしえん', en: 'requires support (LTC support level 1-2)' },
    { kanji: '健康保険', furigana: 'けんこうほけん', en: 'health insurance (general term)' },
    { kanji: '社会保険', furigana: 'しゃかいほけん', en: 'employer-provided social insurance (covers health, pension, LTC, employment)' },
    { kanji: '葬儀',     furigana: 'そうぎ', en: 'funeral' },
    { kanji: '為替',     furigana: 'かわせ', en: 'foreign exchange (FX)' },
    // ── Settings / dashboard / accessibility UI terms ──
    { kanji: '抽出',     furigana: 'ちゅうしゅつ', en: 'extraction (e.g., FBAR document data extraction)' },
    { kanji: '集計',     furigana: 'しゅうけい', en: 'aggregation / tally (e.g., monthly cost roll-up)' },
    { kanji: '推移',     furigana: 'すいい', en: 'trend / change over time' },
    { kanji: '累計',     furigana: 'るいけい', en: 'cumulative / lifetime total' },
    { kanji: '推奨',     furigana: 'すいしょう', en: 'recommendation' },
    { kanji: '機能別',   furigana: 'きのうべつ', en: 'by feature (per-feature breakdown)' },
    { kanji: '機関情報', furigana: 'きかんじょうほう', en: 'institution information (FBAR / asset enrichment)' },
    { kanji: '事業経費', furigana: 'じぎょうけいひ', en: 'business expense (potentially tax-deductible)' },
    { kanji: '税控除',   furigana: 'ぜいこうじょ', en: 'tax deduction' },
    { kanji: '照合',     furigana: 'しょうごう', en: 'reconcile / verify' },
    { kanji: '残高',     furigana: 'ざんだか', en: 'balance / remaining amount' },
    { kanji: '購入額',   furigana: 'こうにゅうがく', en: 'purchase amount' },
    { kanji: '上限',     furigana: 'じょうげん', en: 'upper limit / cap' },
    { kanji: '本日',     furigana: 'ほんじつ', en: 'today' },
    { kanji: '今月',     furigana: 'こんげつ', en: 'this month' },
    { kanji: '直近',     furigana: 'ちょっきん', en: 'most recent (e.g., 直近 30 日 = last 30 days)' },
    { kanji: '取得',     furigana: 'しゅとく', en: 'acquire / fetch (e.g., FX rate fetch)' },
    { kanji: '更新',     furigana: 'こうしん', en: 'refresh / update' },
    { kanji: '権限',     furigana: 'けんげん', en: 'permission / authority (workspace permissions)' },
    { kanji: '無効',     furigana: 'むこう', en: 'disabled / invalid' },
    { kanji: '有効',     furigana: 'ゆうこう', en: 'enabled / valid' },
    { kanji: '設定',     furigana: 'せってい', en: 'settings / configuration' },
    { kanji: '経過',     furigana: 'けいか', en: 'elapsed (e.g., days since key was set)' },
    { kanji: '拒否',     furigana: 'きょひ', en: 'reject / deny' },
    { kanji: '脱退一時金', furigana: 'だったいいちじきん', en: 'JP pension lump-sum withdrawal (within 5y of leaving Japan)' },
    { kanji: '年金事務所', furigana: 'ねんきんじむしょ', en: 'JP pension office (Japan Pension Service local branch)' },
    { kanji: '加入証明', furigana: 'かにゅうしょうめい', en: 'coverage certificate (totalization treaty)' },
    { kanji: '任意加入', furigana: 'にんいかにゅう', en: 'voluntary JP pension enrollment (typically ages 60-65)' },
    { kanji: '特例任意加入', furigana: 'とくれいにんいかにゅう', en: 'special voluntary enrollment (extends to age 70 to clear 10y vesting hurdle)' },
    { kanji: '合算対象期間', furigana: 'がっさんたいしょうきかん', en: 'complementary period (counted for vesting only, for naturalized/PR holders)' },
    { kanji: '追納',     furigana: 'ついのう', en: 'back-payment of formally-exempted JP pension contributions (10y window)' },
    { kanji: '時効',     furigana: 'じこう', en: 'statute of limitations (2y standard for late JP pension payment)' },
    { kanji: '免除',     furigana: 'めんじょ', en: 'exemption (income-based JP pension premium waiver)' },
    { kanji: '学生納付特例', furigana: 'がくせいのうふとくれい', en: 'student-deferral special (JP pension premium deferral)' },
    { kanji: '社会保険料控除', furigana: 'しゃかいほけんりょうこうじょ', en: 'social insurance premium deduction (no cap on JP income)' },
    { kanji: '雑所得',   furigana: 'ざつしょとく', en: 'miscellaneous income (JP tax category for pension benefits)' },
    { kanji: '年金ネット', furigana: 'ねんきんネット', en: 'Nenkin Net — online JP pension contribution record portal' },
    { kanji: '帰化',     furigana: 'きか', en: 'naturalization (acquiring Japanese citizenship)' },
    { kanji: 'カラ期間', furigana: 'カラきかん', en: 'カラ期間 — informal name for 合算対象期間 (complementary period)' },
    { kanji: '銀行業務', furigana: 'ぎんこうぎょうむ', en: 'banking operations' },
    { kanji: '中値',     furigana: 'なかね', en: 'mid-market rate (FX)' },
    { kanji: '都市計画税', furigana: 'としけいかくぜい', en: 'urban planning tax (max 0.3% on assessed value, in urbanization zones)' },
    { kanji: '相続登記',  furigana: 'そうぞくとうき', en: 'inheritance deed transfer (mandatory since April 2024 — 3y deadline)' },
    { kanji: '居住用宅地', furigana: 'きょじゅうようたくち', en: 'residential land (qualifies for 小規模宅地等の特例 80% reduction)' },
    { kanji: '空き家問題', furigana: 'あきやもんだい', en: 'vacant-house problem (untended inherited rural property)' },
    { kanji: '納税通知書', furigana: 'のうぜいつうちしょ', en: 'tax assessment / payment notice' },
    { kanji: '主たる居住', furigana: 'しゅたるきょじゅう', en: 'primary residence' },
    { kanji: '別荘',     furigana: 'べっそう', en: 'vacation home / second home' },
    { kanji: '空き家',   furigana: 'あきや', en: 'vacant house' },
    { kanji: '木造',     furigana: 'もくぞう', en: 'wood-frame construction (22y depreciation)' },
    { kanji: '鉄骨',     furigana: 'てっこつ', en: 'steel-frame construction (34y depreciation)' },
    { kanji: '軽量鉄骨', furigana: 'けいりょうてっこつ', en: 'light steel construction (27y depreciation)' },
    { kanji: '賃貸',     furigana: 'ちんたい', en: 'rental / leasing' },
    { kanji: '田舎',     furigana: 'いなか', en: 'rural area / countryside' },
    { kanji: '事業承継', furigana: 'じぎょうしょうけい', en: 'business succession' },
    { kanji: '家族信託', furigana: 'かぞくしんたく', en: 'JP family trust (for incapacity + cross-border succession)' },
    { kanji: '公証役場', furigana: 'こうしょうやくば', en: 'notary office (where 公正証書遺言 is created)' },
    { kanji: '公証人',   furigana: 'こうしょうにん', en: 'notary public (Japanese)' },
    { kanji: '法務局',   furigana: 'ほうむきょく', en: 'Legal Affairs Bureau (real-estate registry, heir certifications)' },
    { kanji: '死亡届',   furigana: 'しぼうとどけ', en: 'death notification (filed at 市役所/区役所 within 7 days)' },
    { kanji: '国庫帰属', furigana: 'こっこきぞく', en: 'escheat to the state (when no statutory heirs)' },
    { kanji: '検認',     furigana: 'けんにん', en: 'probate authentication (家庭裁判所 process; skipped with 公正証書遺言)' },
    { kanji: '民法',     furigana: 'みんぽう', en: 'Civil Code (§887, §889, §890 govern intestacy)' },
    { kanji: '遺産',     furigana: 'いさん', en: 'estate (decedent\'s assets)' },
    { kanji: '遺言',     furigana: 'ゆいごん', en: 'will (testamentary document)' },
    { kanji: '執行者',   furigana: 'しっこうしゃ', en: 'executor' },
    { kanji: '認知症',   furigana: 'にんちしょう', en: 'dementia (often triggers 家族信託 planning)' },
    { kanji: '居住用',   furigana: 'きょじゅうよう', en: 'residential (use)' },
    { kanji: '順位',     furigana: 'じゅんい', en: 'priority order (rank)' },
    { kanji: '生前贈与',   furigana: 'せいぜんぞうよ', en: 'lifetime gifting (inheritance tax mitigation)' },
    { kanji: '暦年贈与',   furigana: 'れきねんぞうよ', en: 'annual ¥1.1M tax-free gift exemption' },
    { kanji: '養子縁組',   furigana: 'ようしえんぐみ', en: 'adoption (expands statutory heirs for inheritance tax)' },
    { kanji: '年末調整',   furigana: 'ねんまつちょうせい', en: 'year-end adjustment (employer-handled tax reconciliation)' },
    { kanji: '厚生年金',   furigana: 'こうせいねんきん', en: 'kosei nenkin — Japan employee pension' },
    { kanji: '国民年金',   furigana: 'こくみんねんきん', en: 'kokumin nenkin — Japan national pension' },
    { kanji: '在留資格',   furigana: 'ざいりゅうしかく', en: 'residence status / visa category' },
    { kanji: '在留カード', furigana: 'ざいりゅうカード', en: 'residence card (issued to mid-long-term residents)' },
    { kanji: '普通預金',   furigana: 'ふつうよきん', en: 'futsu yokin — Japan ordinary savings account' },
    { kanji: '当座預金',   furigana: 'とうざよきん', en: 'toza yokin — Japan checking account' },
    { kanji: '定期預金',   furigana: 'ていきよきん', en: 'teiki yokin — Japan time deposit' },
    { kanji: '定額貯金',   furigana: 'ていがくちょきん', en: 'teigaku chokin — Japan Post fixed-amount savings' },
    { kanji: '据置期間',   furigana: 'すえおききかん', en: 'lockup period (sueokkikan)' },
    { kanji: '給与所得',   furigana: 'きゅうよしょとく', en: 'employment income (kyūyo shotoku)' },
    { kanji: '繰延報酬',   furigana: 'くりのべほうしゅう', en: 'deferred compensation' },
    { kanji: '路線価',     furigana: 'ろせんか', en: 'NTA-published per-square-meter land valuation (typ. 70-80% of market)' },
    { kanji: '公示地価',   furigana: 'こうじちか', en: 'publicly assessed land price (annual gov\'t reference)' },
    { kanji: '投資信託',   furigana: 'とうししんたく', en: 'toshi shintaku — Japan mutual fund (PFIC trap for US persons)' },
    { kanji: 'ふるさと納税', furigana: 'ふるさとのうぜい', en: 'Furusato Nozei — hometown tax donation system' },
    { kanji: '個人事業主', furigana: 'こじんじぎょうぬし', en: 'sole proprietor / self-employed' },
    { kanji: '不動産取得税', furigana: 'ふどうさんしゅとくぜい', en: 'real estate acquisition tax' },
    { kanji: '固定資産税', furigana: 'こていしさんぜい', en: 'fixed asset tax (annual property tax)' },
    { kanji: '相続放棄',   furigana: 'そうぞくほうき', en: 'inheritance renunciation (3-month deadline)' },
    { kanji: '相続税',     furigana: 'そうぞくぜい', en: 'sozokuze — Japanese inheritance tax (10-55% progressive)' },
    { kanji: '法定相続人', furigana: 'ほうていそうぞくにん', en: 'statutory heirs (drives base deduction)' },
    { kanji: '名義変更',   furigana: 'めいぎへんこう', en: 'name change / title transfer' },
    { kanji: '受取人',     furigana: 'うけとりにん', en: 'beneficiary / recipient' },
    { kanji: '寄附金',     furigana: 'きふきん', en: 'charitable donation' },
    { kanji: '所得税',     furigana: 'しょとくぜい', en: 'shotokuze — income tax' },
    { kanji: '満了日',     furigana: 'まんりょうび', en: 'expiry date (manryōbi)' },
    { kanji: '学資保険',   furigana: 'がくしほけん', en: 'gakushi hoken — children\'s education insurance (PFIC trap for US persons)' },
    { kanji: '民事信託',   furigana: 'みんじしんたく', en: 'private (family) trust' },
    { kanji: '永住権',     furigana: 'えいじゅうけん', en: 'permanent residency (immigration status)' },
    { kanji: '永住者',     furigana: 'えいじゅうしゃ', en: 'permanent resident — also Japan tax-permanent status (year 6+)' },
    { kanji: '非永住者',   furigana: 'ひえいじゅうしゃ', en: 'non-permanent resident (Japan tax status, years 1-5)' },
    { kanji: '定住者',     furigana: 'ていじゅうしゃ', en: 'Long-Term Resident visa category (Nikkei descendants, post-divorce JP-spouse, etc.)' },
    { kanji: '就労ビザ',   furigana: 'しゅうろうビザ', en: 'work visa (Engineer/Specialist in Humanities/etc.)' },
    { kanji: '配偶者',     furigana: 'はいぐうしゃ', en: 'spouse' },
    { kanji: '古民家',     furigana: 'こみんか', en: 'kominka — traditional Japanese folk house' },
    { kanji: '退役軍人',   furigana: 'たいえきぐんじん', en: 'military veteran' },
    { kanji: '現役',       furigana: 'げんえき', en: 'active duty (currently serving)' },
    { kanji: '退役',       furigana: 'たいえき', en: 'retired (military)' },
    { kanji: '予備役',     furigana: 'よびえき', en: 'reserve forces' },
    { kanji: '州兵',       furigana: 'しゅうへい', en: 'National Guard' },
    { kanji: '除隊',       furigana: 'じょたい', en: 'separation / discharge from military' },
    { kanji: '従軍',       furigana: 'じゅうぐん', en: 'military service' },
    { kanji: '障害認定',   furigana: 'しょうがいにんてい', en: 'disability rating (e.g., VA rating)' },
    { kanji: '退職',       furigana: 'たいしょく', en: 'retirement (civilian)' },
    { kanji: '自営',       furigana: 'じえい', en: 'self-employed' },
    { kanji: '経営者',     furigana: 'けいえいしゃ', en: 'business owner' },
    { kanji: '駐在',       furigana: 'ちゅうざい', en: 'overseas posting / expat assignment' },
    { kanji: '国防総省',   furigana: 'こくぼうそうしょう', en: 'US Department of Defense (DoD)' },
    { kanji: '文官',       furigana: 'ぶんかん', en: 'civilian (government employee)' },
    { kanji: '契約職員',   furigana: 'けいやくしょくいん', en: 'contract employee' },
    { kanji: '米系企業',   furigana: 'べいけいきぎょう', en: 'US-affiliated company' },
    { kanji: '日系企業',   furigana: 'にっけいきぎょう', en: 'Japanese-affiliated company' },
    { kanji: '米軍',       furigana: 'べいぐん', en: 'US military' },
    { kanji: '米国',       furigana: 'べいこく', en: 'United States' },
    { kanji: '二重国籍',   furigana: 'にじゅうこくせき', en: 'dual citizenship' },
    { kanji: '国籍',       furigana: 'こくせき', en: 'citizenship / nationality' },
    { kanji: '居住者',     furigana: 'きょじゅうしゃ', en: 'resident' },
    { kanji: '居住',       furigana: 'きょじゅう', en: 'residence (act of living somewhere)' },
    { kanji: '申告',       furigana: 'しんこく', en: 'tax filing / declaration' },
    { kanji: '二次相続',   furigana: 'にじそうぞく', en: 'secondary inheritance (when surviving spouse dies)' },
    { kanji: '不動産',     furigana: 'ふどうさん', en: 'real estate' },
    { kanji: '相続人',     furigana: 'そうぞくにん', en: 'heir(s)' },
    { kanji: '被相続人',   furigana: 'ひそうぞくにん', en: 'decedent / deceased' },
    { kanji: '基礎控除',   furigana: 'きそこうじょ', en: 'basic deduction (¥30M + ¥6M × heirs for inheritance tax)' },
    { kanji: '出国税',     furigana: 'しゅっこくぜい', en: 'shukokuze — Japan exit tax (¥100M+ securities)' },
    { kanji: '年金所得',   furigana: 'ねんきんしょとく', en: 'pension income' },
    { kanji: '配当所得',   furigana: 'はいとうしょとく', en: 'dividend income' },
    { kanji: '譲渡所得',   furigana: 'じょうとしょとく', en: 'capital gains income' },
    { kanji: '一般住宅',   furigana: 'いっぱんじゅうたく', en: 'standard residential housing' },
    { kanji: '省エネ住宅', furigana: 'しょうエネじゅうたく', en: 'energy-efficient housing' },
    { kanji: '住民票',     furigana: 'じゅうみんひょう', en: 'juminhyou — Japanese resident registration' },
    { kanji: '住民税',     furigana: 'じゅうみんぜい', en: 'juminze — resident tax (~10%)' },
    { kanji: '退職所得',   furigana: 'たいしょくしょとく', en: 'retirement / lump-sum income' },
    { kanji: '税理士',     furigana: 'ぜいりし', en: 'zeirishi — licensed Japanese tax accountant' },
    { kanji: '行政書士',   furigana: 'ぎょうせいしょし', en: 'gyōseishoshi — administrative scrivener (immigration paperwork)' },
    { kanji: '司法書士',   furigana: 'しほうしょし', en: 'shihōshoshi — judicial scrivener (real estate registration, succession)' },
    { kanji: '弁護士',     furigana: 'べんごし', en: 'bengoshi — attorney' },
    { kanji: '税務署',     furigana: 'ぜいむしょ', en: 'zeimusho — local tax office (where 確定申告 is filed)' },
    { kanji: '国税庁',     furigana: 'こくぜいちょう', en: 'kokuzeicho — National Tax Agency of Japan' },
    { kanji: '市役所',     furigana: 'しやくしょ', en: 'city hall (where 住民票 / 戸籍 are filed)' },
    { kanji: '区役所',     furigana: 'くやくしょ', en: 'ward office (city-equivalent in Tokyo 23 wards)' },
    { kanji: '通帳',       furigana: 'つうちょう', en: 'tsucho — Japanese bank passbook' },
    { kanji: '戸籍',       furigana: 'こせき', en: 'koseki — Japanese family register' },
    { kanji: '謄本',       furigana: 'とうほん', en: 'certified copy (of 戸籍 etc.)' },
    { kanji: '抄本',       furigana: 'しょうほん', en: 'extract / abridged copy' },
    { kanji: '印鑑',       furigana: 'いんかん', en: 'inkan — registered seal' },
    { kanji: '実印',       furigana: 'じついん', en: 'jitsu-in — registered personal seal (legal weight)' },
    // 2-char standalones — placed AFTER all containing compounds so
    // longer matches always win the regex race.
    { kanji: '控除',       furigana: 'こうじょ', en: 'tax deduction / credit (kojo)' },
    { kanji: '年金',       furigana: 'ねんきん', en: 'pension / annuity' },
    { kanji: '会社',       furigana: 'かいしゃ', en: 'company / corporation' },
    { kanji: '所得',       furigana: 'しょとく', en: 'income (shotoku)' },
    { kanji: '令和',       furigana: 'れいわ', en: 'Reiwa era (2019–present)' },
    { kanji: '平成',       furigana: 'へいせい', en: 'Heisei era (1989–2019)' },
    { kanji: '昭和',       furigana: 'しょうわ', en: 'Showa era (1926–1989)' },
    { kanji: '対岸',       furigana: 'たいがん', en: 'taigan — the opposite shore' },
    // 「対岸の火事」(taigan no kaji) appears in the About page and
    // glossary copy — annotate the second half too so users without
    // any JP reading skill see the full reading.
    { kanji: '火事',       furigana: 'かじ', en: 'kaji — fire / house fire' },
  ];

  // Pre-built combined regex (longest-first to avoid partial matches).
  const _jpRe = new RegExp(JP_TERMS.map((t) => t.kanji).join('|'), 'g');

  // Walk all text nodes inside `root`, wrapping known JP terms in ruby elements.
  // Safe to call multiple times — already-annotated nodes are skipped.
  // Uses plain recursion instead of TreeWalker to avoid NodeFilter
  // object compatibility quirks across browser versions.
  function annotateJpTerms(root) {
    if (!root) return;

    function processNode(node) {
      // Text node — the actual replacement target.
      if (node.nodeType === 3) {
        const text = node.textContent;
        _jpRe.lastIndex = 0;
        if (!_jpRe.test(text)) { _jpRe.lastIndex = 0; return; }
        _jpRe.lastIndex = 0;

        const p = node.parentElement;
        if (!p) return;
        const tag = p.tagName;
        if (tag === 'SCRIPT' || tag === 'STYLE' || tag === 'RT' ||
            tag === 'INPUT' || tag === 'TEXTAREA') return;
        if (p.closest('ruby')) return;

        const frag = document.createDocumentFragment();
        let last = 0;
        let m;
        while ((m = _jpRe.exec(text)) !== null) {
          if (m.index > last) frag.appendChild(document.createTextNode(text.slice(last, m.index)));
          const term = JP_TERMS.find((t) => t.kanji === m[0]);
          const ruby = document.createElement('ruby');
          ruby.className = 'tb-jp';
          ruby.setAttribute('data-jp-en', term.en);
          ruby.appendChild(document.createTextNode(m[0]));
          const rt = document.createElement('rt');
          rt.textContent = term.furigana;
          ruby.appendChild(rt);
          frag.appendChild(ruby);
          last = m.index + m[0].length;
        }
        _jpRe.lastIndex = 0;
        if (last < text.length) frag.appendChild(document.createTextNode(text.slice(last)));
        if (node.parentNode) node.parentNode.replaceChild(frag, node);
        return;
      }

      // Element node — recurse into children. Snapshot the list first
      // because replaceChild inside the recursion modifies childNodes.
      if (node.nodeType === 1) {
        const tag = node.tagName;
        if (tag === 'SCRIPT' || tag === 'STYLE' || tag === 'RT' ||
            tag === 'RUBY' || tag === 'INPUT' || tag === 'TEXTAREA') return;
        const children = Array.from(node.childNodes);
        for (let i = 0; i < children.length; i++) processNode(children[i]);
      }
    }

    processNode(root);
  }

  // ====================================================================
  // Print helpers
  // ====================================================================
  //
  // printCard(cardEl) prints just one card by:
  //   1. Marking the body as data-print-only (CSS hides everything else)
  //   2. Marking the target card as data-print-target
  //   3. Calling window.print()
  //   4. Cleaning up after the print dialog closes
  //
  // The data-print-target marker has to be on a direct child of .tb-main
  // for the CSS selector to work. If cardEl is nested deeper, walk up
  // to the nearest direct child of .tb-main.
  function printCard(cardEl) {
    if (!cardEl) return;
    // Find the nearest direct child of .tb-main
    let target = cardEl;
    while (target && target.parentElement && !target.parentElement.classList.contains('tb-main')) {
      target = target.parentElement;
    }
    if (!target) target = cardEl;

    document.body.setAttribute('data-print-only', '');
    target.setAttribute('data-print-target', '');

    function cleanup() {
      document.body.removeAttribute('data-print-only');
      target.removeAttribute('data-print-target');
      window.removeEventListener('afterprint', cleanup);
    }
    window.addEventListener('afterprint', cleanup);
    // Belt-and-suspenders for browsers that don't fire afterprint:
    // also clean up on a setTimeout fallback.
    setTimeout(() => {
      // Only clean up if afterprint hasn't already
      if (document.body.hasAttribute('data-print-only')) cleanup();
    }, 5000);

    window.print();
  }

  // Helper to build a "🖨 Print" button for a card. Pass `() => containerEl`
  // (deferred so the DOM is ready) or the card element directly.
  function printButton(cardElOrFn, label) {
    const btn = document.createElement('button');
    btn.type = 'button';
    btn.className = 'tb-btn tb-btn--ghost';
    btn.style.padding = '4px 12px';
    btn.style.fontSize = 'var(--tb-fs-12)';
    btn.setAttribute('data-print-hide', '');  // hide the button itself when printing
    btn.textContent = '🖨 ' + (label || 'Print');
    btn.addEventListener('click', () => {
      const cardEl = typeof cardElOrFn === 'function' ? cardElOrFn() : cardElOrFn;
      printCard(cardEl);
    });
    return btn;
  }

  window.TB = window.TB || {};
  window.TB.utils = {
    formatUSD, formatJPY, formatPercent, formatDate,
    isoDate, pad, uuid, shortId, escapeHtml,
    downloadFile, readFileAsText, sha256, getFxRate, el,
    annotateJpTerms,
    fetchCurrentTreasuryRates, fetchExchangerateHost, refreshCurrentFx,
    refreshLiveFx, getLiveJpyRate,
    buildSlider, attachFileDrop,
    printCard, printButton,
    FX_FALLBACK,
  };
})();

</script>
  <script data-source="scripts/i18n.js">
/* Taigan Bridge — i18n.js
 *
 * Minimal EN/JP translation layer for v0.1. Covers header, nav,
 * onboarding intro, dashboard chrome, and footer strings. Module
 * scripts contribute their own keys via TB.i18n.extend(...).
 */

(function () {
  'use strict';

  const STRINGS = {
    en: {
      'app.title': 'Taigan Bridge',
      'app.subtitle': 'Financial planning for Americans on the opposite shore.',
      'app.tagline.short': 'Across the Pacific, in order.',
      'nav.dashboard': 'Dashboard',
      'nav.profile': 'Profile',
      'nav.settings': 'Settings',
      'nav.about': 'About',
      'banner.disclaimer': 'Organizational tool only. Not financial, tax, legal, or medical advice.',
      'overlay.close':                  'Close',
      'overlay.license.title':          'License',
      'overlay.license.missing':        'License text could not be loaded. See LICENSE.md in the project root.',
      'overlay.changelog.title':        'What\'s new',
      'overlay.changelog.intro':        'Release notes from oldest at the bottom to newest at the top.',
      'overlay.changelog.missing':      'Changelog could not be loaded. See CHANGELOG.md in the project root.',
      'overlay.feedback.title':         'Send feedback',
      'overlay.feedback.intro':         'Bug reports, feature requests, JP translation suggestions, anything. The build version + browser get attached automatically so reports are reproducible.',
      'overlay.feedback.subject':       'Subject',
      'overlay.feedback.body':          'Message',
      'overlay.feedback.placeholder':   'What you\'d like to share — what worked, what didn\'t, what you wished it did…',
      'overlay.feedback.openMail':      'Open in mail client',
      'overlay.feedback.copy':          'Copy to clipboard',
      'overlay.feedback.copied':        'Copied',
      'overlay.feedback.privacy':       'Sent directly to {{email}}. Your message is all that\'s sent — no analytics or identifiers are attached to it.',
      'overlay.tip.title':              'Buy me a coffee',
      'overlay.tip.intro':              'Taigan Bridge is free and ad-free. Tips fund the API costs that keep the AI-assisted features working and pay for the occasional professional review of cross-border tax and medical content.',
      'overlay.tip.where':              'Pick whichever platform you prefer — they all reach the same person:',
      'overlay.tip.comingSoon.badge':   'Coming soon',
      'overlay.tip.comingSoon.tooltip': 'Not yet available — pending GitHub Sponsors approval.',
      'overlay.tip.thanks':             'No tip is expected, ever. Thank you for using the tool.',

      // ─── Demo / sample-data mode ─────────────────────────────────
      'onboarding.tryDemo':             'Try with sample data',
      'onboarding.tryDemo.tooltip':     'Loads a fictional household so you can explore every module without entering your own information.',
      'demo.banner.label':              'DEMO DATA',
      'demo.banner.body':               'You\'re viewing a fictional household ({{profile}}) — none of this is your real information.',
      'hostedDemo.banner.label':        'Live demo',
      'hostedDemo.banner.body':         'This is the hosted preview of Taigan Bridge. Don\'t enter your own financial data here — your changes won\'t follow you to other devices, and the app isn\'t designed to be used on a copy you don\'t own.',
      'hostedDemo.banner.cta':          'Download for your own data',
      'hostedDemo.aiDisabled':          'AI features are turned off in the live demo. Download Taigan Bridge and run it from your own device to use them with your own Anthropic key.',

      // ─── Update check (new release available) ───────────────────
      'updateCheck.banner.label':       'Update available',
      'updateCheck.banner.body':        'Taigan Bridge v{{version}} has been released.',
      'updateCheck.banner.download':    'Download',
      'updateCheck.banner.dismiss':     'Dismiss',
      'updateCheck.banner.dismissAria': 'Dismiss this version notice',
      'updateCheck.consent.title':      'Check for new versions?',
      'updateCheck.consent.body':       'Taigan Bridge can check GitHub once per day to see whether a newer release is available. New releases often bring updated tax brackets, FBAR thresholds, or new modules — running an outdated copy of a financial tool isn\'t ideal.',
      'updateCheck.consent.bullet1':    'Sends nothing about you — just an HTTP GET of a small static file on github.io.',
      'updateCheck.consent.bullet2':    'Runs at most once every 24 hours.',
      'updateCheck.consent.bullet3':    'You can change your mind anytime under Settings → Updates.',
      'updateCheck.consent.yes':        'Yes, check for updates',
      'updateCheck.consent.no':         'No, never check',
      'updateCheck.consent.later':      'Ask me later',
      'updateCheck.settings.title':     'Updates',
      'updateCheck.settings.help':      'Look for new releases of Taigan Bridge on GitHub. The check runs at most once every 24 hours and sends no personal information.',
      'updateCheck.settings.toggle':    'Check for updates on launch',
      'updateCheck.settings.toggleHelp':'Auto-check on app launch, no more than once per day. Off by default until you opt in.',
      'updateCheck.settings.checkNow':  'Check now',
      'updateCheck.settings.releasesLink':'View all releases on GitHub',
      'updateCheck.settings.currentVersion':'Currently installed: v{{version}}',
      'updateCheck.settings.lastChecked':'Last checked: {{when}}',
      'updateCheck.settings.lastCheckedNever':'Not yet checked',
      'updateCheck.settings.upToDate':  'You\'re running the latest release (v{{version}}).',
      'updateCheck.settings.newer':     'v{{version}} is available. See the banner above for the download link.',
      'updateCheck.settings.error':     'Last check failed: {{error}}. Network down, or GitHub Pages temporarily unreachable.',
      'updateCheck.toast.checking':     'Checking for updates…',
      'demo.banner.exit':               'Exit demo',
      'demo.confirm.overwrite':         'Loading a sample household will REPLACE any data you\'ve already entered. A backup is recommended first.\n\nContinue and load the demo?',
      'demo.confirm.exit':              'Exit demo mode? All sample data will be wiped and Taigan Bridge will return to a fresh-install state.',
      'demo.picker.title':              'Choose a demo household',
      'demo.picker.intro':              'Two distinct fictional households are available so you can see how Taigan Bridge adapts to different situations. Both load instantly — pick the one closer to yours, or browse both.',
      'demo.picker.warning':            'Loading either will overwrite anything you\'ve already entered. Export a backup first from Settings → Backup if you\'d like to keep it.',
      'demo.picker.load':               'Load this demo',
      'settings.demo.title':            'Demo / sample data',
      'settings.demo.intro':            'Load a complete fictional household to explore every module before committing to real numbers. Two profiles available — a SOFA-status DoD contractor household, or a non-SOFA long-term resident on a permanent visa.',
      'settings.demo.loadBtn':          'Choose a demo household',
      'settings.demo.loadTooltip':      'Opens the demo picker — replaces your current data with one of two fictional households.',
      'settings.demo.exitBtn':          'Exit demo + wipe',
      'settings.demo.activeBadge':      'Demo mode active',
      'settings.demo.help':             'All sample data is clearly fictional (placeholder names, addresses, clinic names, etc.). A sticky banner appears at the top of the page so screenshots never get confused with real records. Exiting clears everything; export a backup first if you\'d like to keep notes.',
      'footer.license': 'License',
      'footer.changelog': "What's new",
      'footer.feedback': 'Send feedback',
      'footer.tips': '☕ Tips',
      'footer.copyright': '© 2026 Benjamin Eichhorn. Free for personal use.',
      'lang.toggle': '日本語',
      'theme.toggleToDark': 'Switch to dark mode (independent of OS settings)',
      'theme.toggleToLight': 'Switch to light mode (independent of OS settings)',
      'nav.print': 'Print this view',
      // Household / spouse view mode
      'viewmode.toggleToSpouse': 'Switch to spouse view',
      'viewmode.toggleToUser':   'Switch back to your view',
      'viewmode.banner.title':   'Viewing as: spouse',
      'viewmode.banner.body':    'JP-side household actions (確定申告, 住民税, ふるさと納税, NHI, children\'s passports) are surfaced as primary. US-side filings are muted with "spouse handles" pills since they\'re your responsibility. Useful for briefing your spouse or generating the bilingual handoff package.',
      'viewmode.banner.exit':    'Back to your view',
      // Document Vault — heatmap + bulk import + renewal + linkage
      'docvault.heatmap.title':       'Renewal calendar',
      'docvault.heatmap.subtitle':    'Documents expiring by month (next 12)',
      'docvault.heatmap.empty':       'No documents with expiry dates yet. Add a passport, visa, or residence card to see when renewals come due.',
      'docvault.heatmap.expired':     '{{n}} document(s) already expired — renew immediately',
      'docvault.heatmap.later':       '{{n}} more after 12 months',
      'docvault.heatmap.month_title': '{{label}} expirations · {{n}}',
      'docvault.close':               'Close',
      'docvault.field.link.label':    'Link to a record',
      'docvault.field.link.help':     'Tie this document to a family member, property, or asset account so it appears in their detail view too.',
      'docvault.field.link.none':     '— None —',
      'docvault.field.link.choose':   'Choose record',
      'docvault.field.link.no_records': 'No {{module}} records yet — add one first, then come back here to link.',
      'docvault.renewal.title':       'Renewal checklist (where to go, what you need)',
      'docvault.bulk.button':         'Bulk import',
      'docvault.bulk.tooltip':        'Drop multiple documents at once; Claude vision auto-fills metadata for each',
      'docvault.bulk.title':          'Bulk document import',
      'docvault.bulk.intro':          'Drop or pick up to {{max}} documents. Each is sent to Claude vision for metadata extraction (one consent prompt per file if per-call mode is on). Review the results before saving.',
      'docvault.bulk.dropTitle':      'Drop files or click to choose',
      'docvault.bulk.dropHelp':       'PNG / JPG / WEBP / GIF / PDF · up to {{max}} files · 10 MB per file',
      'docvault.bulk.dropOver':       '⤓ Drop documents to import',
      'docvault.bulk.choose':         'Choose files',
      'docvault.bulk.queued':         '{{n}} file(s) queued. Click "Start" to process.',
      'docvault.bulk.start':          'Start processing',
      'docvault.bulk.save':           'Save all to vault',
      'docvault.bulk.complete':       '✓ Processed {{n}} / {{total}} files · Total cost ${{cost}}',
      'docvault.bulk.status.queued':     'Queued',
      'docvault.bulk.status.processing': 'Processing…',
      'docvault.bulk.status.done':       'Done',
      'docvault.bulk.status.error':      'Error',
      // Universal search palette (⌘K / Ctrl+K)
      'search.tooltip': 'Search modules, sections, records, glossary ({{kbd}})',
      'search.ariaLabel': 'Open search palette',
      'search.placeholder': 'Search modules, records, glossary…',
      'search.kbd.navigate': 'navigate',
      'search.kbd.select': 'select',
      'search.indexSize': '{{n}} indexed',
      'search.recent': 'Recent',
      'search.recentMissing': 'Your recent items are no longer in the index. Type to search.',
      'search.clearRecent': 'Clear recent',
      'search.emptyHint': 'Type to search across modules, your records, action items, glossary terms, and settings.',
      'search.noResults': 'No matches for "{{q}}". Try a shorter term or different spelling (EN / 日本語 both work).',
      'onboarding.intro.title': 'Let’s get oriented.',
      'onboarding.intro.body': 'A short series of questions — the answers decide which modules appear on your dashboard and pre-fill household-aware defaults (e.g., who in your household handles JP-side taxes). Branches skip questions that don\'t apply. You can edit any answer later from your Profile.',
      'onboarding.start': 'Begin',
      'onboarding.next': 'Next',
      'onboarding.back': 'Back',
      'onboarding.finish': 'Finish',
      'onboarding.progress': 'Question {{n}} of {{total}}',
      'onboarding.required': 'Please answer to continue.',
      // Edit-single-question mode (used by Profile → ✎ pencil)
      'onboarding.editOne': 'Update one answer',
      'onboarding.cancel':  'Cancel',
      'onboarding.save':    'Save',
      'dashboard.title': 'Your dashboard',
      'dashboard.tracks': 'Your tracks',
      'dashboard.modules': 'Modules',
      'dashboard.locked': 'Locked',
      'dashboard.locked.help': 'Re-run onboarding to unlock more modules.',
      'dashboard.rerun': 'Re-run onboarding',
      'dashboard.customize': 'Customize dashboard',
      'dashboard.customize.title': 'Customize dashboard modules',
      'dashboard.customize.intro': 'Force-show modules your onboarding didn\'t unlock (e.g., explore the Real Estate module before you actually own property), or hide ones you don\'t need. Auto = follow your onboarding answers.',
      'dashboard.customize.reset': 'Reset all to Auto',
      'dashboard.customize.confirm_reset': 'Reset all dashboard module overrides to Auto?',
      'dashboard.customize.done': 'Done',
      'dashboard.track.openModule': 'Click to open this track\'s module',
      'dashboard.title.personal_en': '{{name}}’s Dashboard',
      'dashboard.title.personal_jp': '{{name}}’s Dashboard',
      'dashboard.tracks.label': 'Tracks',

      // Action Center module + dashboard widget
      'action.title':                'Action Center',
      'action.subtitle':             'Auto-generated to-do list pulled from every module — FBAR deadlines, stale balances, Roth conversion windows, quarterly tax due dates, RMD reminders, account close-dates, and more. Each item links to where to act.',
      'action.empty.title':          'You\'re caught up',
      'action.empty.body':           'No active items. The Action Center automatically detects upcoming FBAR deadlines, stale balances, tax-strategy windows, and other actionable signals from your data.',
      'action.clearDismissed.button': 'Reset dismissed items',
      'action.clearDismissed.confirm': 'Bring back all dismissed action items?',
      'action.row.openModule':       'Open {{module}}',
      'action.row.clickHint':        'Click to open {{module}}',
      'action.row.snooze':           '✕ Dismiss for 1 year',
      'action.widget.title':         'Action Center · {{count}} item(s)',
      'action.widget.viewAll':       'View all',
      'action.widget.open':          'Open Action Center',
      'action.widget.more':          '+{{count}} more — click View all',
      'action.widget.empty.title':   'You\'re caught up',
      'action.widget.empty.body':    'No active action items. The Action Center watches your data and surfaces things to do here.',

      // Document Vault module
      'docvault.title':              'Document Vault',
      'docvault.subtitle':           'Inventory of important documents — passport, will, deed, tax returns, insurance, immigration. Tracks expiry dates and storage locations so your family can find originals in an emergency.',
      'docvault.privacy':            'Inventory only — original scans are NOT stored here. Keep originals in your own cloud / safe / fireproof box and note the location below.',
      'docvault.stat.total':         'Documents tracked',
      'docvault.stat.expiring':      'Expiring soon',
      'docvault.filter.all':         'All categories',
      'docvault.add':                'Add document',
      'docvault.empty':              'No documents in this view. Click "+ Add document" to start.',
      'docvault.no_expiry':          'No expiry',

      'docvault.modal.add':          'Add document',
      'docvault.modal.edit':         'Edit document',
      'docvault.upload.title':       'Upload to auto-fill metadata',
      'docvault.upload.help':        'Upload a photo or PDF of the document — click the button OR drag a file onto this card. Claude reads the document type, expiry date, issuing authority, and reference number. The file is NOT stored — only the extracted fields below are saved.',
      'docvault.upload.drop':        'Drop document to extract',
      'docvault.upload.no_key':      'Add your Claude API key in Settings to enable upload-based extraction. You can still add documents manually.',
      'docvault.upload.button':      'Upload document',
      'docvault.upload.processing':  'Reading {{filename}}…',
      'docvault.upload.done':        'Auto-filled from {{filename}} (cost ≈ ${{cost}}). Review every field before saving.',
      'docvault.upload.partial':     'Partial extraction — some fields couldn\'t be read. Fill them in manually.',
      'docvault.upload.error':       'Extraction failed: {{message}}',

      'docvault.field.category':     'Category',
      'docvault.field.type':         'Document type',
      'docvault.field.title':        'Display title',
      'docvault.field.title.placeholder': 'e.g., "Ben\'s US Passport"',
      'docvault.field.person':       'Person',
      'docvault.field.person.placeholder': 'Name as printed on document',
      'docvault.field.issue_date':   'Issue date',
      'docvault.field.expiry_date':  'Expiry date',
      'docvault.field.issuing_authority': 'Issuing authority',
      'docvault.field.issuing_authority.placeholder': 'e.g., "US Department of State", "東京都公安委員会"',
      'docvault.field.reference':    'Reference number — last 4 only',
      'docvault.field.reference.help': 'For disambiguation only. NEVER store the full passport / SSN / license number here.',
      'docvault.field.storage':      'Storage location',
      'docvault.field.storage.placeholder': 'e.g., "Safe deposit box at Mizuho 渋谷", "iCloud Drive / Documents", "Fireproof box top shelf"',
      'docvault.field.storage.help': 'Where the original is kept. Shows in the Survivor Binder so your family can find it.',
      'docvault.field.notes':        'Notes',

      'docvault.save':               'Save',
      'docvault.cancel':             'Cancel',
      'docvault.delete':             'Delete',
      'docvault.delete.confirm':     'Delete this document from the vault? (The actual document is unaffected — only the inventory entry is removed.)',

      // Veteran module
      'veteran.title':              'Veteran',
      'veteran.subtitle':           'US military service record + VA benefits tracking. Watches for expiring GI Bill, VGLI conversion deadline, missing DD-214, and other time-sensitive veteran-specific actions.',
      'veteran.badge':              'VETERAN',
      'veteran.edit':               'Edit',
      'veteran.save':               'Save',
      'veteran.cancel':             'Cancel',
      'veteran.yes':                'Yes',
      'veteran.no':                 'No',
      'veteran.amount_usd':         'amount (USD)',

      'veteran.section.service':    'Service record',
      'veteran.section.disability': 'VA Disability',
      'veteran.section.healthcare': 'Healthcare',
      'veteran.section.education':  'Education benefits (GI Bill)',
      'veteran.section.survivor':   'Survivor benefits',
      'veteran.section.jp_resources': 'Japan-specific resources',
      'veteran.section.benefits':   'Your benefits at a glance',
      'veteran.benefits.intro':     'Curated guide for your status: {{status}}. Items marked 🇯🇵 have Japan-relevant nuances. Click any underlined term for the full glossary entry.',
      'veteran.benefits.no_status': 'Set your veteran status during onboarding to see benefits relevant to you.',

      // Sharing & Backup module
      'share.title':                   'Sharing & Backup',
      'share.subtitle':                'Generate shareable views for the people who actually consume your data: spouse (read-only HTML snapshot), survivor (extended Letter of Instruction), CPA / advisor (tax-only JSON). Plus full state backup + restore. Nothing leaves your device unless you actively share the file.',
      'share.badge':                   'SHARING',
      'share.last_generated':          'Last generated',

      'share.section.spouse':          'Spouse handoff',
      'share.section.survivor':        'Survivor mode',
      'share.section.advisor':         'Advisor share',
      'share.section.backup':          'Full backup / restore',
      'share.section.history':         'Share history',
      'share.section.preferences':     'Preferences',

      'share.spouse.intro':            'Generates a self-contained read-only HTML snapshot of your situation for your spouse / partner. Self-contained means: no external assets, opens in any browser, no Taigan Bridge needed, prints cleanly. Re-share periodically as your data changes.',
      'share.spouse.generate':         'Generate spouse HTML',
      'share.survivor.intro':          'Generates a standalone "if you\'re reading this" HTML guide for survivors. Includes immediate-action checklist (first 7 days, then 30 days), account inventory, document locations, contacts, funeral wishes. NOT a will — informational guidance to print and store with the will.',
      'share.survivor.generate':       'Generate survivor HTML',
      'share.advisor.intro':           'Generates a tax-relevant JSON subset for your CPA / advisor. Excludes private notes, AI conversations, healthcare details, and anything else that isn\'t needed for tax review. Scope adjustable below.',
      'share.advisor.generate':        'Generate advisor JSON',
      'share.advisor.scope_label':     'What to include in the advisor JSON:',
      'share.advisor.include_balances': 'Include account balances (recommended)',
      'share.advisor.include_documents_list': 'Include document inventory (titles only)',
      'share.advisor.anonymize_family': 'Anonymize family member names (use [REDACTED])',
      'share.backup.intro':            'Full state export / restore for backup or migration to another device. Backup is the complete state — everything you\'ve entered. Restore OVERWRITES all current data with the imported file.',
      'share.backup.export':           'Download backup (JSON)',
      'share.backup.import':           'Restore from backup',
      'share.backup.import_confirm':   '⚠ Restoring will REPLACE ALL current Taigan Bridge data with the contents of the file. This cannot be undone except by restoring an earlier backup. Continue?',
      'share.backup.import_success':   'Restore complete. Reloading page…',
      'share.backup.import_error':     'Restore failed',

      'share.history.empty':           'No shares generated yet.',
      'share.history.more':            '… and {{count}} earlier entries',

      'share.preferences.intro':       'Default settings for what each share type includes. You can also adjust per-share when generating.',
      'share.prefs.spouse_balances':   'Include account balances in spouse HTML',
      'share.prefs.spouse_balances.help': 'Recommended on. Some users prefer to share structure without numbers.',
      'share.prefs.spouse_documents':  'Include document inventory in spouse HTML',
      'share.prefs.spouse_documents.help': 'Document titles + storage locations only. Never document contents.',
      'share.prefs.spouse_actions':    'Include open action items in spouse HTML',
      'share.prefs.spouse_actions.help': 'Top 20 action items at time of generation. Useful for "here\'s what to do if I\'m incapacitated."',
      'share.prefs.autoBackup.label':  'Auto-backup prompt on app load',
      'share.prefs.autoBackup.help':   'When enabled, prompts you to download a fresh backup if your last one is older than the chosen interval. Browsers can\'t silently save files — you confirm each backup.',
      'share.prefs.autoBackup.off':    'Off (manual only)',
      'share.prefs.autoBackup.30':     'Every 30 days',
      'share.prefs.autoBackup.90':     'Every 90 days',
      'share.prefs.autoBackup.180':    'Every 180 days',
      'share.autoBackup.confirm.never':   'Auto-backup is enabled but you\'ve never backed up Taigan Bridge. Download a backup now?',
      'share.autoBackup.confirm.overdue': 'Your last Taigan Bridge backup was {{days}} days ago. Download a fresh backup now?',

      // Consultations module
      'consult.title':                 'Consultations',
      'consult.subtitle':              'Track CPAs, 税理士, lawyers, immigration attorneys, and other professionals you\'ve engaged. Per-consultation log + follow-up reminders. Surfaces "have you consulted on X?" prompts based on what your data suggests needs specialist review.',
      'consult.badge':                 'CONSULT',
      'consult.cancel':                'Cancel',
      'consult.save':                  'Save',
      'consult.delete':                'Delete',

      'consult.section.reminders':     'Specialist recommendations',
      'consult.section.professionals': 'Professional roster',
      'consult.section.log':           'Consultation log',
      'consult.section.resources':     'Resources',

      'consult.reminders.none':        'No outstanding specialist recommendations',
      'consult.reminders.none_body':   'Based on your current state, no immediate specialist consultation is recommended. Recommendations re-appear here when triggered by relevant state changes (PFIC detection, large estate exposure, renunciation contemplation, etc.).',

      'consult.reminder.pfic.title':   'PFIC detected — recommend international-CPA consultation',
      'consult.reminder.pfic.body':    'Your Asset tracker has flagged likely PFIC investments. Default tax treatment is punitive ($1000s/yr+). A specialist CPA familiar with PFICs can advise on QEF / mark-to-market elections OR replacement with US-domiciled equivalents.',
      'consult.reminder.renunciation.title': 'Renunciation contemplated — specialist consultation recommended',
      'consult.reminder.renunciation.body': 'Renunciation is irrevocable and triggers exit-tax + §2801 transfer-tax interactions for US-person heirs. Engage a specialist BEFORE filing DS-4079.',
      'consult.reminder.jp_estate.title': 'Large JP 相続税 exposure — recommend 税理士',
      'consult.reminder.jp_estate.body': 'Your projected JP inheritance tax exceeds ¥30M. A 税理士 (Japanese tax accountant) experienced in cross-border estates can model 暦年贈与 + 教育資金一括贈与 + 小規模宅地等の特例 strategies that materially reduce the eventual tax bill.',
      'consult.reminder.va.title':     'VA disability rated — VA-accredited claims agent recommended',
      'consult.reminder.va.body':      'VA-accredited claims agents and attorneys can review your rating for accuracy + identify additional benefits. Never pay non-accredited "VA consultants."',
      'consult.reminder.no_cpa.title': 'No CPA on record — strongly recommended for US persons in Japan',
      'consult.reminder.no_cpa.body':  'US persons abroad face one of the most complex personal-tax regimes in existence. A CPA experienced with expat / international tax (PFIC, FBAR, FATCA, FEIE/FTC) saves you many multiples of their fee.',
      'consult.reminder.followup.title': 'Follow-up overdue with {{name}} re: {{topic}}',
      'consult.reminder.followup.body': 'Originally scheduled to follow up — now {{days}} days past. Update the consultation log with status or schedule a new consultation.',
      'consult.reminder.recommended':  'Recommended professional type',

      'consult.add_professional':      'Add professional',
      'consult.log_consult':           'Log consultation',
      'consult.consultations_count':   'consultations recorded',

      'consult.professionals.intro':   'Your roster of engaged professionals. Track who, what type, contact info, current status. Click ＋ Log consultation per professional to record meetings.',
      'consult.professionals.empty':   'No professionals on record. Click "＋ Add professional" to start tracking.',

      'consult.log.intro':             'Per-consultation log: date, topic, summary, follow-up status. Sortable by date — newest first. Marked stale when follow-up date passed.',
      'consult.log.empty':             'No consultations logged yet. Click "＋ Log consultation" or expand a professional row.',
      'consult.log.more':              '… and {{count}} earlier entries',

      'consult.modal.add_professional':   'Add professional',
      'consult.modal.edit_professional':  'Edit professional',
      'consult.modal.log_consult':        'Log consultation',
      'consult.modal.edit_consult':       'Edit consultation',
      'consult.modal.no_pros_first':      'You need to add a professional first before logging a consultation.',

      'consult.field.name':            'Name',
      'consult.field.type':            'Type',
      'consult.field.firm':            'Firm / company',
      'consult.field.contact':         'Contact (email / phone)',
      'consult.field.city':            'City',
      'consult.field.jurisdiction':    'Jurisdiction (US state / JP prefecture)',
      'consult.field.specialty':       'Specialty',
      'consult.field.specialty.help':  'Free-form. Useful for filtering: "PFIC, expat tax", "estate planning", "Tokyo real estate", etc.',
      'consult.field.retainer_status': 'Engagement status',
      'consult.field.notes':           'Notes',
      'consult.field.professional':    'Professional',
      'consult.field.date':            'Date',
      'consult.field.related_module':  'Related Taigan Bridge module',
      'consult.field.topic':           'Topic',
      'consult.field.summary':         'Summary',
      'consult.field.summary.placeholder': 'What was discussed? Key recommendations? Numbers / brackets / strategies?',
      'consult.field.summary.help':    'Future-you will thank you for being detailed here. The point of this log is reconstructing what was said when memory fades.',
      'consult.field.follow_up_needed': 'Follow-up needed',
      'consult.field.follow_up_date':  'Follow-up by date',
      'consult.field.follow_up_date.help': 'Action Center surfaces a reminder when this date passes without a new consultation logged.',

      'consult.confirm.delete_professional': 'Delete this professional? Their associated consultations will remain in the log.',
      'consult.confirm.delete_consult':      'Delete this consultation entry?',

      'consult.followup_overdue':      'Follow-up was due {{date}} — overdue',
      'consult.followup_scheduled':    'Follow-up scheduled for {{date}}',

      'consult.resources.intro':       'Where to find qualified professionals for the cross-border situation.',
      'consult.resources.aicpa.title': 'AICPA — Find a CPA',
      'consult.resources.aicpa.body':  'US CPA directory. Filter by international tax / PFIC experience.',
      'consult.resources.tokyo_lawyers.title': 'Tokyo Bar Association',
      'consult.resources.tokyo_lawyers.body':  'Tokyo Bar Association English-language lawyer search. Filter by foreign-resident specialty.',
      'consult.resources.va_accredited.title': 'VA — Accredited Claims Agents',
      'consult.resources.va_accredited.body':  'Official VA database of accredited claims agents and attorneys. Use ONLY accredited representation for VA matters.',
      'consult.resources.aila.title':  'AILA — Immigration lawyer search',
      'consult.resources.aila.body':   'American Immigration Lawyers Association. Find US immigration attorneys with cross-border expertise.',

      // Real Estate / Property module
      'property.title':                'Real Estate',
      'property.subtitle':             'JP and US property holdings with cross-border tax math: 固定資産税 + 不動産取得税 estimates, US §121 sale exclusion eligibility, depreciation recapture, FX-on-basis (§988), JP rental reporting via FEIE/FTC, 古民家 inheritance scenarios, and 小規模宅地等の特例 cross-link to Estate.',
      'property.badge':                'PROPERTY',
      'property.add':                  'Add property',
      'property.cancel':               'Cancel',
      'property.save':                 'Save',
      'property.delete':               'Delete',
      'property.untitled':             '(untitled)',
      'property.confirm.delete':       'Delete this property record?',

      'property.section.roster':       'Property holdings',
      'property.section.jp_taxes':     'JP property tax overview',
      'property.section.us_rental':    'US rental income reporting',
      'property.section.us_sale':      'US sale planning (§121 + 譲渡所得)',
      'property.section.mortgage_credit': '住宅ローン控除 cross-link',
      'property.section.inherited_jp': '古民家 / inherited JP property',
      'property.section.situs_link':   'Cross-border situs implications',
      'property.section.cash_flow':    'Monthly cash flow summary',
      'property.section.mortgage':     'Mortgage details',
      'property.section.costs':        'Annual costs (taxes + insurance + maintenance)',
      'property.section.rental':       'Rental status',
      'property.section.sale_planning': 'Sale planning',
      'property.section.resources':    'Resources',

      'property.empty':                'No property records yet. Click "Add property" to start tracking JP or US holdings.',
      'property.empty.from_onboarding': 'Onboarding indicated you own real estate — click "Add property" to record details.',
      'property.empty.expected':       'Onboarding indicated you expect to inherit JP property — record any current holdings here, plus expected inheritance details when applicable.',

      'property.modal.add':            'Add property',
      'property.import.btn':           'Extract from 固定資産税通知書',
      'property.import.help':          'Drop the JP property tax notice (PDF or photo) — Claude reads address, assessed values, and annual tax.',
      'property.import.processing':    'Reading 固定資産税通知書 with Claude vision…',
      'property.import.done':          '✨ Filled {{n}} field(s) · ${{cost}}',
      'property.import.nothing':       'Could not extract any new fields — fill in manually',
      'property.modal.edit':           'Edit property',
      'property.country.other':        'Other / international',
      'property.field.country':        'Country',
      'property.field.currency':       'Currency',
      'property.field.label':          'Label',
      'property.field.type':           'Property type',
      'property.field.purchase_date':  'Purchase date',
      'property.field.purchase_price': 'Purchase price',
      'property.field.address':        'Address',
      'property.field.square_meters':  'Size (㎡)',
      'property.field.square_meters.help': 'For 小規模宅地等の特例 — primary residence land up to 330㎡ qualifies for 80% valuation reduction.',
      'property.field.structure_type': 'Structure type (JP)',
      'property.field.structure_type.help': 'Drives JP depreciation lifetime + 不動産取得税 calculation.',
      'property.field.current_value':  'Current value (estimated)',
      'property.field.current_value.help': 'For JP, ideally the 公示地価 or 路線価-based estimate. For US, recent comp / Zillow.',
      'property.field.mortgage_balance': 'Mortgage balance',
      'property.field.mortgage_rate_pct': 'Rate %',
      'property.field.mortgage_years_left': 'Years remaining',
      'property.field.annual_property_tax_jp': '固定資産税 (annual)',
      'property.field.annual_property_tax_jp.help': 'From the 固定資産税納税通知書. Leave blank to use estimate.',
      'property.field.annual_city_tax_jp': '都市計画税 (annual)',
      'property.field.annual_city_tax_jp.help': 'Often shown alongside 固定資産税 on the same notice.',
      'property.field.annual_property_tax_us': 'Annual property tax',
      'property.field.annual_property_tax_us.help': 'Local property tax — varies wildly by state/county.',
      'property.field.annual_insurance': 'Annual insurance',
      'property.field.monthly_maintenance': 'Monthly maintenance / HOA',
      'property.field.rental_status':  'Rental status',
      'property.field.monthly_rent':   'Monthly rent received',
      'property.field.annual_rental_expenses': 'Annual rental expenses',
      'property.field.annual_rental_expenses.help': 'Property mgmt fees, repairs, insurance, etc. — tracked separately from mortgage interest.',
      'property.field.depreciation_started_year': 'Depreciation started (year)',
      'property.field.depreciation_started_year.help': 'Year you placed in service for rental — drives 27.5y residential / 39y commercial recovery period.',
      'property.field.depreciation_basis': 'Depreciation basis',
      'property.field.depreciation_basis.help': 'Building portion only (excluding land). Typically 75-85% of purchase price.',
      'property.field.lived_2_of_5':   'Have you lived in this as primary residence for 2 of last 5 years?',
      'property.field.lived_2_of_5.help': 'Drives §121 capital gain exclusion eligibility ($250K single / $500K MFJ).',
      'property.field.lived.auto':     'Auto (assume yes if owned ≥2y)',
      'property.field.lived.yes':      'Yes',
      'property.field.lived.no':       'No',
      'property.field.planned_sale_year': 'Planned sale year (optional)',
      'property.field.shotaku_eligible': 'Eligible for 小規模宅地等の特例 (residential land 80% reduction at inheritance)',
      'property.field.shotaku_eligible.help': 'Heir continues to live in this JP residential property after death. Up to 330㎡ qualifies for 80% inheritance-tax valuation reduction.',
      'property.field.notes':          'Notes',

      'property.rental.not_rental':    'Not a rental',
      'property.rental.rented':        'Currently rented',
      'property.rental.vacant':        'Vacant',
      'property.rental.pending':       'Pending lease',

      'property.jp_taxes.intro':       'Annual JP property tax burden across all your JP properties. Estimates use 65% assessed-value × (1.4% 固定資産税 + 0.3% 都市計画税) when you haven\'t entered the actual figure from your 納税通知書.',
      'property.jp_taxes.estimated':   'Estimated (from current value × standard rates)',
      'property.jp_taxes.user_entered': 'From your 納税通知書',
      'property.jp_taxes.total_annual': 'Total annual',
      'property.jp_taxes.point.kotei': '固定資産税 (kotei shisanze): 1.4% standard rate on the 固定資産税評価額 (assessed value, typically 60-70% of market value). Billed quarterly April / July / Dec / Feb.',
      'property.jp_taxes.point.toshi': '都市計画税 (toshi keikakuze): up to 0.3% additional, only in urbanization-promotion areas (most cities). Billed alongside 固定資産税.',
      'property.jp_taxes.point.shutoku': '不動産取得税 (one-time, paid 3-6 months after purchase): 3% for residential land/buildings through 2027 (4% for non-residential). Reduced via residential land special: 1.5% effective rate often.',
      'property.jp_taxes.point.assessment_lag': 'Assessed values are reset every 3 years (固定資産税評価額) — your current bill reflects valuation from 1-3 years ago.',
      'property.jp_taxes.point.dual_residence': 'For US persons: JP property tax is fully deductible against US tax IF you itemize (Schedule A) and the property is residential. SALT cap ($10K) applies.',

      'property.us_rental.intro':      'JP-resident landlords with US rental property face the FEIE/FTC trap: rental income is PASSIVE, not earned, so FEIE doesn\'t exclude it. Schedule E + Form 1116 is the correct mechanic.',
      'property.us_rental.feie_warning_label': 'FEIE does NOT cover rental income',
      'property.us_rental.feie_warning_body':  'Rental income is "passive" under §469 — Form 2555 (FEIE) excludes EARNED income only. Your US rental income is fully US-taxable on Schedule E. Use Form 1116 (FTC) to credit any JP tax paid on the same income (Japan also taxes JP-resident-received US rental as global income).',
      'property.us_rental.gross':      'Gross',
      'property.us_rental.net':        'Net (after expenses)',
      'property.us_rental.total_net':  'Total net rental income',
      'property.us_rental.point.schedule_e': 'Report on Schedule E. One column per property. Subtract operating expenses + depreciation + mortgage interest. Net income flows to Form 1040.',
      'property.us_rental.point.depreciation': 'Depreciate building portion (land NOT depreciable) over 27.5 years (residential) or 39 years (commercial). Use straight-line.',
      'property.us_rental.point.passive_loss': '§469 passive activity loss rules: rental losses generally only offset OTHER passive income. Up to $25K of loss deductible against ordinary income IF AGI ≤ $100K (phased out by $150K).',
      'property.us_rental.point.jp_treatment': 'Japan taxes JP-resident worldwide income — your US rental income is reportable on 確定申告 once you cross 永住者 (year 6+). Pre-永住者: not reportable unless remitted.',
      'property.us_rental.point.ftc_basket': 'For Form 1116, US rental income is "passive category" — gets its own Form 1116 separate from your earned-income FTC.',
      'property.us_rental.point.recapture_on_sale': 'Depreciation recapture on sale: §1250 unrecaptured gain (depreciation taken back) taxed at 25% federal. Don\'t skip the depreciation in earlier years — IRS treats you as if you took it ("allowed or allowable").',

      'property.us_sale.intro':        'Selling a US property triggers federal capital gains + state tax (US side) AND JP capital gains (if you\'re JP-resident). The §121 primary-residence exclusion is the biggest single tax break available — preserving it requires the 2-of-5-year residence test.',
      'property.us_sale.eligible':     'Currently §121 eligible',
      'property.us_sale.not_eligible': 'Not §121 eligible',
      'property.us_sale.na':           'N/A (rental / non-residence)',
      'property.us_sale.exclusion_amount': 'Exclusion available',
      'property.us_sale.point.121_basics': '§121 excludes up to $250K (single) / $500K (MFJ) of gain on sale of primary residence. Requirements: owned 2y AND used as primary residence 2 of last 5y. Available once every 2 years.',
      'property.us_sale.point.depreciation_recapture': 'Even if §121 fully shelters the gain, depreciation taken (or "allowable") during any rental period is RECAPTURED — taxed at 25% rate (§1250).',
      'property.us_sale.point.fx_988': 'Mortgage in USD on a USD-denominated property: §988 ordinary FX gain/loss when you pay it off (rare for US property). Material if you held a JPY-denominated mortgage on US real estate (uncommon).',
      'property.us_sale.point.jp_capital_gains': 'For JP residents: US property sale generates 譲渡所得. Held >5y = long-term (~20.315% combined). Held ≤5y = short-term (~39.63% combined). FTC offsets the US side.',
      'property.us_sale.point.ftc_offset': 'Form 1116 FTC: US capital-gain tax credits against JP gains tax in the "passive" basket. Net result: pay the higher of the two rates rather than both.',
      'property.us_sale.point.partial_exclusion': 'Partial §121 exclusion available for "qualifying reasons" (job change, health, unforeseen circumstances) when you don\'t meet the full 2-of-5 test. Pro-rated by months of qualified use.',

      'property.mortgage_credit.intro': 'JP mortgage tax credit (住宅ローン控除) provides a 0.7% credit on the year-end loan balance for 13 years on qualifying primary residences. Tracked in detail in the Long-Term Resident module.',
      'property.mortgage_credit.open_resident': 'Open Long-Term Resident → 住宅ローン控除',

      'property.inherited_jp.intro':   'Inherited JP property is a unique cross-border puzzle: the 古民家 / family home / 田舎の土地 may carry sentimental + family-succession importance, but the cross-border tax + maintenance + 空き家 problem can be substantial.',
      'property.inherited_jp.point.shotaku': '小規模宅地等の特例: residential land continued by an heir who lives there gets 80% inheritance-tax valuation reduction (up to 330㎡). HUGE — flag the property in this module so Estate calculates correctly.',
      'property.inherited_jp.point.rosenka': 'JP inheritance-tax valuation uses 路線価 (NTA-published per-㎡ land value) — typically 80% of public market price 公示地価. NOT the same as 固定資産税評価額 (which is what 固定資産税 uses).',
      'property.inherited_jp.point.akiya_problem': '空き家問題 (vacant-house problem): unmaintained inherited rural property has near-zero market value but FULL tax burden + liability. Demolition + land donation to municipality can be cheaper than holding.',
      'property.inherited_jp.point.us_estate_situs': 'For US persons: JP-situs property is OUTSIDE the US estate tax base (foreign asset). But it\'s INSIDE the JP inheritance tax base regardless of your residency. See Estate situs analysis.',
      'property.inherited_jp.point.deed_transfer': '相続登記 (inheritance deed transfer) became MANDATORY in April 2024 — must register inheritance transfer within 3 years of becoming aware, or face ¥100K fine. Engage a 司法書士 (judicial scrivener).',

      'property.situs_link.intro':     'Each property\'s SITUS (location) determines which inheritance tax regime applies. JP-situs is always JP-taxable. US-situs is US-taxable AND JP-taxable once you cross 永住者 (year 6+).',
      'property.situs_link.jp_situs':  'JP-situs property',
      'property.situs_link.us_situs':  'US-situs property',
      'property.situs_link.open_estate': 'Open Estate → Asset situs analysis',

      'property.cash_flow.intro':      'Combined monthly cash flow across all properties: rental income minus mortgage payments, taxes, insurance, and maintenance. Net negative means properties are draining cash; net positive means they\'re funding lifestyle.',
      'property.cash_flow.income':     'Monthly income',
      'property.cash_flow.outgo':      'Monthly outgo',
      'property.cash_flow.net':        'Net monthly',
      'property.cash_flow.note':       'All values normalized to USD using current FX. Mortgage payments use the standard amortization formula based on remaining balance + rate + years.',

      'property.resources.rosenka.title': '路線価 lookup (NTA)',
      'property.resources.rosenka.body':  'NTA-published per-square-meter land valuations used for JP inheritance tax. Compare against your 固定資産税評価額.',
      'property.resources.nta_property.title': 'NTA — Property Tax Overview (English)',
      'property.resources.nta_property.body':  'Official JP overview of property-related taxes for foreign residents.',
      'property.resources.irs_pub527.title': 'IRS Publication 527 — Residential Rental Property',
      'property.resources.irs_pub527.body':  'Comprehensive Schedule E + depreciation guide for US rental property owners.',
      'property.resources.irs_pub523.title': 'IRS Publication 523 — Selling Your Home',
      'property.resources.irs_pub523.body':  'Detailed §121 exclusion rules, partial-exclusion qualifying reasons, basis adjustments.',

      // iCal calendar export (in Action Center)
      'action.export.button':          'Export to calendar (.ics)',
      'action.export.help':            'Generates an .ics file with every dated item — action deadlines, document expiries, family passport renewals, 国籍選択 dates, 10-year clock, PR eligibility, SS / Medicare / RMD milestones. Importable into Google Calendar, Apple Calendar, Outlook.',
      'action.export.success':         'Downloaded {{count}} events. Open the .ics file to import into your calendar app.',

      // FX & Banking module
      'fx.title':                      'FX & Cross-Border Banking',
      'fx.subtitle':                   'Daily-decision module for the routine USD↔JPY questions every JP-resident US person faces: which platform to use, when to convert, how to hold multi-currency, what your transfers actually deliver after fees.',
      'fx.badge':                      'FX',
      'fx.cancel':                     'Cancel',
      'fx.save':                       'Save',

      'fx.section.snapshot':           'Current FX snapshot',
      'fx.section.fbar_awareness':     'FBAR threshold awareness',
      'fx.section.calculator':         'Transfer cost calculator',
      'fx.section.comparison':         'Platform comparison',
      'fx.section.decision_tree':      'Account-by-purpose decision tree',
      'fx.section.holding':            'Multi-currency holding strategy',
      'fx.section.alerts':             'Rate alerts',
      'fx.section.resources':          'Resources',

      'fx.snapshot.refresh':           'Refresh rate',
      'fx.snapshot.refreshing':        'Fetching…',
      'fx.snapshot.usd_to_jpy_label':  'USD → JPY (mid-market reference)',
      'fx.snapshot.source':            'Source',
      'fx.snapshot.as_of':             'as of',
      'fx.snapshot.fetched':           'fetched',
      'fx.snapshot.today':             'today',
      'fx.snapshot.yesterday':         'yesterday',
      'fx.snapshot.ago':               'ago',
      'fx.snapshot.never_fetched':     'never fetched live — using cached or fallback rate',
      'fx.snapshot.reverse':           'Quick reference',
      'fx.snapshot.justNow':           'just now',
      'fx.snapshot.minAgo':            '{{n}}m ago',
      'fx.snapshot.hoursAgo':          '{{n}}h ago',
      'fx.snapshot.treasury.label':    'Treasury (official)',
      'fx.snapshot.treasury.usedFor':  'Used for FBAR conversions, Asset / Net-Worth calculations, and all cross-module USD/JPY math.',
      'fx.snapshot.live.label':        'Live (informational)',
      'fx.snapshot.live.usedFor':      'Mid-market rate (same as Google / Yahoo). Use it to gut-check today\'s remittance — never used for any saved calculation.',
      'fx.snapshot.live.refresh':      'Refresh live rate',
      'fx.snapshot.live.fetching':     'Fetching live rate…',
      'fx.snapshot.live.failed':       'Live rate fetch failed',
      'fx.snapshot.bothRates.note':    'Two rates are shown because they answer different questions. The U.S. Treasury publishes its rate quarterly (March 31, June 30, Sept 30, Dec 31) — that\'s the official rate FBAR requires and the rate every Asset / Net-Worth conversion in this app uses, so the same balance always converts to the same USD until the next quarter ends. The live rate is the daily ECB mid-market reference (what Google or Yahoo Finance shows you) — it\'s for the "what would my remittance actually convert to today?" question and isn\'t saved or used for any other number.',
      'banner.liveFx.tooltip':         'Live USD/JPY mid-market reference ({{source}}, as of {{asOf}}). Informational only — FBAR + Asset calculations use the U.S. Treasury quarterly rate.',

      'fx.fbar.open_fbar':             'Open FBAR Tracker',
      'fx.fbar.intro':                 'Live tracker of your foreign account aggregate vs the $10,000 FBAR threshold. Pulls the current-year peak from your FBAR records when available, otherwise falls back to current Asset balances. Crossing $10,000 at ANY point during the year (even briefly, even from a single transfer) requires filing FinCEN 114.',
      'fx.fbar.current_aggregate':     'Current foreign aggregate',
      'fx.fbar.from_fbar':             'from FBAR yearly peak data',
      'fx.fbar.from_assets':           'from current Asset balances (no FBAR data yet for this year)',
      'fx.fbar.threshold':             'FBAR threshold',
      'fx.fbar.status.required':       'FBAR is required for this year',
      'fx.fbar.status.required_hint':  'You\'re {{excess}} over the $10K threshold. FinCEN 114 due Apr 15 (auto-extended Oct 15).',
      'fx.fbar.status.approaching':    'Approaching threshold',
      'fx.fbar.status.monitor':        'Monitor — within sight of threshold',
      'fx.fbar.status.safe':           'Well below threshold',
      'fx.fbar.status.headroom':       '{{headroom}} of headroom remaining',
      'fx.fbar.point.10k_aggregate':   '$10,000 is the AGGREGATE across all foreign accounts — a $5K savings + $5.5K checking already trips it. Per-person, not per-account.',
      'fx.fbar.point.peak_not_year_end': 'Reported amount is the PEAK during the year, not the year-end balance. A single high-water moment counts.',
      'fx.fbar.point.all_account_types': 'Includes savings, checking, time deposits (定期預金), brokerage, retirement (most), some life insurance with cash value. Real estate is NOT included; foreign mutual funds (PFIC) usually ARE.',
      'fx.fbar.point.fincen_not_irs':  'FBAR (FinCEN 114) is filed with FinCEN via the BSA E-Filing System — separate from your 1040. Do NOT mail it with your tax return.',
      'fx.fbar.point.deadline':        'Deadline: April 15 (with automatic extension to October 15, no form required for the extension).',
      'fx.fbar.point.penalty':         'Penalty for non-filing: up to $16,536 per report (non-willful); the greater of $165,353 or 50% of account balance (willful). Non-willful is per report, not per account (Bittner, 2023); figures inflation-adjusted annually. Statute of limitations: 6 years.',
      'fx.fbar.point.transfer_trigger': 'A single large USD → JPY transfer can trigger your FBAR requirement for the year — even if the funds were promptly spent and the year-end balance returned to zero. Plan timing around this.',

      'fx.calculator.intro':           'Enter a USD or JPY amount; see what each platform actually delivers after spread + fees. Sorted best-to-worst.',
      'fx.calculator.refresh_rate':    'Refresh rate',
      'fx.calculator.using_rate':      'Calculating with',
      'fx.calculator.using_live':      'Calculating with live mid-market rate',
      'fx.calculator.using_treasury_fallback': 'Live rate unavailable — using Treasury rate',
      'fx.calculator.rateExplain':     'Calculator math uses the live mid-market rate ("what would I actually get today?"). The FBAR threshold check below uses the Treasury rate ({{treasury}} / $1) since FBAR is a regulatory calculation that has to use Treasury\'s official rate.',
      'fx.calculator.dir.usd_to_jpy':  'USD → JPY',
      'fx.calculator.dir.jpy_to_usd':  'JPY → USD',
      'fx.calculator.fbar_crossing.label':  'This transfer would cross the $10K FBAR threshold',
      'fx.calculator.fbar_crossing.body':   'Foreign aggregate before: {{before}}. After this transfer: {{after}}. The $10K threshold tripping at ANY point during the year requires filing FinCEN 114 by April 15. Plan accordingly.',
      'fx.calculator.fbar_already.label':   'You\'re already over the $10K FBAR threshold',
      'fx.calculator.fbar_already.body':    'Foreign aggregate currently {{before}} → {{after}} after this transfer. FBAR for the current year is already required regardless of this transfer.',
      'fx.calculator.fbar_approaching.label': 'Approaching FBAR territory',
      'fx.calculator.fbar_approaching.body':  'Foreign aggregate after this transfer would be {{after}} — within {{headroom}} of the $10K FBAR threshold. Track carefully; another similar transfer would cross it.',
      'fx.calculator.fbar_dropping_below.label': 'This transfer drops you back below the $10K FBAR threshold',
      'fx.calculator.fbar_dropping_below.body':  'Foreign aggregate before: {{before}}. After this withdrawal: {{after}}. Note that FBAR is required for the year if the threshold was crossed at ANY point — pulling back under doesn\'t undo a prior crossing.',
      'fx.calculator.fbar_pulling_out.label':   'Pulling out of foreign accounts',
      'fx.calculator.fbar_pulling_out.body':    'Foreign aggregate {{before}} → {{after}} after this withdrawal. Still over $10K, so FBAR for the current year remains required.',
      'fx.calculator.fbar.rateBasis':           'FBAR threshold math uses the Treasury rate ({{rate}} / $1).',
      'fx.calculator.amount':          'Transfer amount',
      'fx.calculator.at_rate':         'at',
      'fx.calculator.col.platform':   'Platform',
      'fx.calculator.col.delivered':  'Delivered',
      'fx.calculator.col.eff_rate':   'Effective rate',
      'fx.calculator.col.vs_best':    'vs best',
      'fx.calculator.best':           'best',
      'fx.calculator.note':           'Fee figures are mid-2026 published-rate approximations. Actual rates drift quarterly — verify with each platform before transferring large amounts. Wise specifically updates pricing transparently in their app, in real time.',

      'fx.comparison.intro':          'Side-by-side overview. Click any row to expand pros/cons + verification status. Each platform shows its built-in default fees OR your most recent verified update — and a direct link to the platform\'s pricing page.',
      'fx.comparison.pros':           'Pros',
      'fx.comparison.cons':           'Cons',
      'fx.comparison.bulk_verify':    'Bulk verify',
      'fx.comparison.verified_today':     'Verified today',
      'fx.comparison.verified_yesterday': 'Verified yesterday',
      'fx.comparison.verified_ago':       'Verified {{days}}d ago',
      'fx.comparison.verified_stale':     '{{days}}d since verification — likely stale',
      'fx.comparison.using_typical':      'Using built-in typical fees (never verified locally)',
      'fx.comparison.visit_pricing':      'Visit pricing page',
      'fx.comparison.update_fees':        'Update fees',
      'fx.comparison.reset_to_default':   'Reset to built-in default',
      'fx.comparison.confirm_reset':      'Reset this platform to built-in default fees? Your recorded values will be lost.',

      'fx.update.modal_title':        'Update fees',
      'fx.update.intro':              'Visit the platform\'s pricing page (link below) and enter the current published fees. Saving stamps a verification timestamp so you can see when the data was last refreshed. Three values: SPREAD (extra basis points above the mid-market rate), FEE % (transaction fee), FIXED FEE (per-transfer flat fee in USD).',
      'fx.update.open_pricing':       'Open pricing page',
      'fx.update.spread_bps':         'Spread (basis points above mid-market)',
      'fx.update.spread_bps.help':    '0 = exact mid-market. 25 = 0.25% spread. 100 = 1% spread. Wise + Revolut typically post 0; banks typically 25-100.',
      'fx.update.fee_pct':            'Transaction fee (% of transfer)',
      'fx.update.fee_pct.help':       'Wise model. Wise typical: 0.4-0.7%. Most other platforms: 0.',
      'fx.update.fixed_fee_usd':      'Fixed fee per transfer ($)',
      'fx.update.fixed_fee_usd.help': 'Wire transfer fee, account fee, etc. Schwab outgoing wire: $25. PayPal/Xoom: small fixed fee. Most others: 0.',
      'fx.update.source_url':         'Source URL (where you got these numbers)',
      'fx.update.source_url.help':    'Pre-filled with the platform\'s pricing page; can override with a more specific URL or leave blank.',
      'fx.update.notes':              'Notes',
      'fx.update.notes.help':         'Anything else useful: tier-specific rates, weekend markups, monthly free-transfer caps, etc.',
      'fx.update.save_verified':      'Save (stamp as verified now)',

      'fx.bulk.modal_title':          'Bulk verify all platforms',
      'fx.bulk.intro':                'Walk through every platform with one-click access to each pricing page. Use the ✎ on any row to update specific fees, OR use the bulk-stamp button below if you\'ve checked everything and want to confirm all current values are still accurate.',
      'fx.bulk.open':                 'Open',
      'fx.bulk.tip':                  'Tip: most platforms publish a single fee table. Open each in a new tab, scroll to the USD→JPY row, and either update specific values OR bulk-stamp if everything matches.',
      'fx.bulk.stamp_all':            'Confirm all current values',
      'fx.bulk.confirm_stamp':        'Stamp ALL platforms as verified at their current displayed fees? Use this only if you\'ve actually checked the published rates and they match the built-in defaults.',
      'fx.bulk.done':                 'Done',

      'fx.decision_tree.intro':       'Recommended platform by typical use case. Your specific best option may differ — verify with the calculator above.',
      'fx.decision_tree.scenario.small_recurring':       'Small recurring transfers (~$1K/mo)',
      'fx.decision_tree.scenario.large_lump':            'Large lump-sum ($50K+ at once)',
      'fx.decision_tree.scenario.jp_employer_payroll':   'Receiving JP employer payroll',
      'fx.decision_tree.scenario.ss_pension':            'Receiving US Social Security / pension',
      'fx.decision_tree.scenario.cash_out_in_jp':        'Cash withdrawal in Japan from US account',
      'fx.decision_tree.scenario.pay_jp_rent':           'Paying JP rent / utilities',
      'fx.decision_tree.scenario.gift_to_jp_family':     'Gifting to JP-resident family',
      'fx.decision_tree.scenario.reserve_emergency':     'Holding USD reserves',
      'fx.decision_tree.rec.small_recurring':            'Wise — multi-currency Wise account auto-transfers each month',
      'fx.decision_tree.rec.large_lump':                 'Schwab International wire — best for $50K+ at one time',
      'fx.decision_tree.rec.jp_employer_payroll':        'JP megabank required (employer typically only pays into MUFG/Mizuho/SMBC)',
      'fx.decision_tree.rec.ss_pension':                 'Schwab US receiving + Wise transfer to JP (or direct deposit to Wise USD account)',
      'fx.decision_tree.rec.cash_out_in_jp':             'Schwab debit card (worldwide ATM fee refunds, mid-market FX)',
      'fx.decision_tree.rec.pay_jp_rent':                'JP bank account (megabank or Sony) with auto-debit set up',
      'fx.decision_tree.rec.gift_to_jp_family':          'Wise to recipient\'s JP bank (low cost) or Sony Bank transfer (if you both use Sony)',
      'fx.decision_tree.rec.reserve_emergency':          'Hold USD in Schwab brokerage / Sony Bank USD account; convert as needed',

      'fx.holding.intro':             'Whether to convert immediately or hold USD/JPY depends on what the money is for. A few rules of thumb:',
      'fx.holding.point.match_currency': 'Match currency to the eventual spending. JPY for JP rent / 介護保険 / Furusato Nozei / 確定申告 tax payments. USD for SS / pension / US tuition / US property.',
      'fx.holding.point.dollar_cost_average': 'For ongoing transfers (monthly SS, pension, rental income), DCA wins over market timing. Set up automatic transfers and ignore the daily rate.',
      'fx.holding.point.tax_lots':    'JPY held over a year is functionally a foreign currency holding for US tax — gains/losses can trigger §988 ordinary income on conversion. Track basis if you\'re cycling large amounts.',
      'fx.holding.point.emergency_buffer': 'Keep 6mo of essential JPY expenses in JPY (immediate access) AND 6mo USD in USD (US emergencies). Holding in the spending currency = no FX risk on emergency timing.',
      'fx.holding.point.no_market_timing': 'Don\'t try to "wait for ¥150" or similar. Multi-decade USD/JPY chart shows you\'ll wait years. The cost of waiting (lost interest + lost converted utility) usually exceeds the FX gain.',
      'fx.holding.point.large_one_time': 'For big one-time conversions (home purchase, lump-sum gift), watch the rate over weeks/months — multiple smaller transfers spread over 4-8 weeks reduces single-day FX risk significantly.',
      'fx.holding.point.fbar_trigger': '🚨 Holding ≥$10K aggregate in foreign accounts at ANY point during the year triggers FBAR (FinCEN 114) — see the FBAR threshold awareness card above. A single transfer that briefly pushes you over counts. Plan carefully if you typically run under the threshold.',

      'fx.alerts.add':                'Add alert',
      'fx.alerts.intro':              'Set thresholds. When the live rate crosses your threshold, an item appears in your Action Center.',
      'fx.alerts.empty':              'No alerts set. Useful pattern: alert at "USD/JPY > 160" to convert held USD when the yen weakens, OR alert at "USD/JPY < 140" to lock in JPY purchases when the dollar weakens.',
      'fx.alerts.usd_jpy':            'USD/JPY',
      'fx.alerts.confirm_delete':     'Delete this alert?',
      'fx.alerts.modal_title':        'Add rate alert',
      'fx.alerts.modal_intro':        'Current rate:',
      'fx.alerts.direction':          'Direction',
      'fx.alerts.gt':                 'Above (greater than)',
      'fx.alerts.lt':                 'Below (less than)',
      'fx.alerts.threshold':          'Threshold (¥ per $1)',
      'fx.alerts.threshold.help':     'When the live USD/JPY rate crosses this value, the alert fires.',
      'fx.alerts.label':              'Label (optional)',
      'fx.alerts.label.placeholder':  'e.g. "Convert ¥5M of held USD"',

      'fx.resources.wise.title':      'Wise — fee comparison page',
      'fx.resources.wise.body':       'Wise\'s own published comparison vs banks; transparent and updated frequently.',
      'fx.resources.treasury.title':  'US Treasury Reporting Rates of Exchange',
      'fx.resources.treasury.body':   'Official US government FX rates (used in Taigan Bridge as the mid-market reference for FBAR / 8938 reporting).',
      'fx.resources.sony.title':      'Sony Bank',
      'fx.resources.sony.body':       'Japanese online bank with USD account. Common pick for JP residents who want to hold both currencies.',
      'fx.resources.schwab.title':    'Schwab International',
      'fx.resources.schwab.body':     'For US Schwab brokerage holders — wire transfers + worldwide ATM debit card.',

      // Retirement Decumulation module
      'decum.title':                   'Retirement Decumulation',
      'decum.subtitle':                'Closes the planning loop. Projections models accumulation; this covers JP-resident-aware withdrawal sequence, US Social Security claiming strategy, JP 国民年金 / 厚生年金 eligibility, the 2024 WEP/GPO repeal, and RMD planning.',
      'decum.badge':                   'RETIRE',
      'decum.edit':                    'Edit',
      'decum.save':                    'Save',
      'decum.cancel':                  'Cancel',

      'decum.section.overview':        'Decumulation overview',
      'decum.section.ss_claiming':     'US Social Security claiming',
      'decum.section.wep_gpo':         'WEP / GPO repeal',
      'decum.section.jp_pension':      'JP pension (国民年金 / 厚生年金)',
      'decum.section.vesting_paths':   'JP pension vesting strategies',
      'decum.section.withdrawal_sequence': 'Withdrawal sequence',
      'decum.section.rmd':             'RMD planning',
      'decum.section.healthcare_bridge': 'Healthcare bridge',
      'decum.section.resources':       'Resources',

      'decum.overview.years_to_retire': 'Years to retirement',
      'decum.overview.retired':        'Retired',
      'decum.overview.ss_claim_age':   'SS claim age',
      'decum.overview.ss_max':         'Max benefit',
      'decum.overview.ss_fra':         'Full retirement age',
      'decum.overview.ss_early':       'Early — reduced',
      'decum.overview.jp_pension_years': 'JP pension years',
      'decum.overview.jp_eligible':    'Eligible',
      'decum.overview.jp_to_eligible': 'to eligibility',
      'decum.overview.years_to_rmd':   'Years to RMD',
      'decum.overview.rmd_age_73':     'RMD begins age 73',

      'decum.ss.intro':                'Each year you delay claiming SS past age 62 increases your monthly benefit. The trade-off: you get fewer total years of payments. Break-even is typically age 80-82 — if you live past that, delaying wins.',
      'decum.ss.col.age':              'Age',
      'decum.ss.col.monthly':          '$/month',
      'decum.ss.col.lifetime':         'To age 90',
      'decum.ss.lifetime_assumes':     'Lifetime amount assumes you live to 90 in current dollars; ignores COLA and JP-side tax. Use Projections for the full picture.',
      'decum.ss.set_estimate_in_projections': 'Set "SS monthly at 70" in Projections to compute the claim-age comparison. We need an FRA-equivalent estimate to derive each age\'s amount.',
      'decum.ss.tip.delay_for_longevity': 'If you have longevity in your family + sufficient other income, delaying to 70 is often optimal. The 32% boost compounds beautifully for late-life income.',
      'decum.ss.tip.early_for_health': 'If you have health concerns OR critically need the income, claiming early is rational. The "wait for 70" advice ignores the marginal value of income at 62 vs 75.',
      'decum.ss.tip.spousal_strategy': 'For couples: usually one spouse claims early (cash flow), the other delays to 70 (survivor benefit anchor). The higher-earner\'s benefit becomes the survivor\'s — maxing it protects the survivor for life.',
      'decum.ss.tip.totalization':     'US-Japan Totalization Agreement: years credited toward US SS can include Japan-based work via the treaty. If you\'re short the 40-quarter (10y) US minimum, totalization may close the gap. Get a coverage statement from SSA.',
      'decum.ss.tip.taxed_in_jp':      'JP residents: SS payments are taxed BOTH by the US (Saving Clause overrides treaty Article 17) AND Japan. Form 1116 FTC offsets the US tax. JP treats SS as miscellaneous income — file via 確定申告.',
      'decum.ss.chosen_age':           'Chosen claim age',
      'decum.ss.spouse_strategy':      'Spouse coordination strategy',
      'decum.ss.spouse_strategy.help': 'For married couples with both eligible. "Survivor max" = higher earner delays to 70 to protect survivor benefit.',
      'decum.ss.spouse.individual':    'Independent — each claims for self',
      'decum.ss.spouse.spousal_first': 'Lower earner claims spousal first',
      'decum.ss.spouse.survivor_max':  'Higher earner delays to 70 (survivor benefit max)',
      'decum.ss.notes':                'Notes',
      'decum.modal.ss':                'Edit SS claiming strategy',
      'decum.ss.import.btn':           'Extract from SSA statement',
      'decum.ss.import.help':          'Drop the SSA paper or my Social Security PDF — Claude reads the 62 / FRA / 70 monthly estimates and credit total.',
      'decum.ss.import.processing':    'Reading SSA statement with Claude vision…',
      'decum.ss.import.done':          '✨ Captured {{n}} field(s) · ${{cost}}',
      'decum.ss.import.nothing':       'Could not read SSA statement — fill in manually',
      'decum.ss.import.notes.estimates':  'SSA estimates from statement:',
      'decum.ss.import.notes.credits':    '{{n}} work credits earned',
      'decum.ss.import.notes.asOf':       'earnings record through {{year}}',

      'decum.wep_gpo.banner_label':    'WEP and GPO are repealed (effective Jan 2025)',
      'decum.wep_gpo.banner_body':     'The Social Security Fairness Act, signed Jan 2025, repealed both the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). For US persons receiving JP 厚生年金 (or any other foreign pension based on non-SS-covered work), this removes the long-standing automatic reduction of US SS benefits. Many JP residents who saw 30-50% reductions are now eligible for full SS — and for retroactive payments back to Jan 2024.',
      'decum.wep_gpo.point.what_was_wep': 'WEP (Windfall Elimination Provision): reduced US SS by up to 50% for those also receiving a "non-covered" pension (a pension from work that didn\'t pay into US SS) — including 厚生年金, foreign government pensions, US state/local pensions, etc.',
      'decum.wep_gpo.point.what_was_gpo': 'GPO (Government Pension Offset): reduced spousal/survivor SS benefits by 2/3 of the non-covered pension amount. Often eliminated spousal benefits entirely.',
      'decum.wep_gpo.point.fairness_act': 'Social Security Fairness Act (Jan 2025): repealed both. Roughly 3M US retirees affected; estimated cost ~$200B over 10 years.',
      'decum.wep_gpo.point.retroactive': 'Retroactive payments back to Jan 2024 are being processed by SSA. If you were affected, expect contact from SSA — and possible lump sum back-pay.',
      'decum.wep_gpo.point.contact_ssa': 'If you previously had WEP/GPO applied to your SS benefit, contact SSA via SSA.gov/myaccount to verify your record was updated. JP residents can contact the FBU (Federal Benefits Unit) at the US Embassy Tokyo.',

      'decum.jp_pension.eligible':     '✓ Eligible for JP pension',
      'decum.jp_pension.partial':      '○ {{years}}y of {{needed}}y minimum — keep contributing',
      'decum.jp_pension.no_contributions': '○ No JP pension contributions recorded',
      'decum.jp_pension.kokumin':      '国民年金',
      'decum.jp_pension.kosei':        '厚生年金',
      'decum.jp_pension.years':        'years',
      'decum.jp_pension.estimated_monthly': 'Estimated monthly benefit',
      'decum.jp_pension.has_certificate': 'Has Japan coverage certificate (for US SE-tax exemption via totalization)',
      'decum.jp_pension.coverage_cert': 'I have a Japan coverage certificate',
      'decum.jp_pension.coverage_cert.help': 'If self-employed / contractor: this exempts you from US Self-Employment tax (SE tax) on your JP-source earnings. Apply to Japan Pension Service (年金事務所) for the form.',
      'decum.jp_pension.notes':        'Notes',
      'decum.jp_pension.point.10y_minimum': 'Minimum 10y total contributions for ANY JP pension benefit (lowered from 25y in 2017). Below 10y = no benefit, no refund (with totalization treaty exception below).',
      'decum.jp_pension.point.40y_full': '40y of contributions (typically ages 20-60) = full 国民年金 (~¥66K/mo in current dollars).',
      'decum.jp_pension.point.totalization': 'US-Japan Totalization Agreement: years can count toward EITHER country\'s minimum, but each pension pays based on years actually contributed there. Useful for short-term workers in either country.',
      'decum.jp_pension.point.lump_sum_withdrawal': '脱退一時金 (lump-sum withdrawal): leaving Japan within 5y means you can claim back contributions (up to 5y). Choosing this WAIVES future pension rights for those years.',
      'decum.jp_pension.point.taxed_under_treaty': 'JP pension paid to a US resident is taxed under treaty Article 17 — only by Japan. Saving Clause does not apply for THIS direction (JP→US person), so US Form 1040 reports the income but applies FTC for any JP tax.',
      'decum.modal.jp_pension':        'Edit JP pension records',
      'decum.jp_pension.import.btn':   'Extract from 年金定期便',
      'decum.jp_pension.import.help':  'Drop the annual pension statement (PDF or photo) — Claude reads paid months and estimated benefit.',
      'decum.jp_pension.import.processing': 'Reading 年金定期便 with Claude vision…',
      'decum.jp_pension.import.done':       '✨ Filled {{n}} field(s) · ${{cost}}',
      'decum.jp_pension.import.nothing':    'Could not extract any new fields — fill in manually',
      'decum.jp_pension.import.notes.asOf': 'as of {{date}}',
      'decum.jp_pension.import.notes.contributions': 'lifetime contributions ¥{{jpy}}',

      'decum.vesting.intro':           'There\'s no general "buy back missing years" option for the JP pension system, but there are 4 legitimate paths to clear the 10-year vesting requirement. Most US persons in Japan don\'t actually need any of them — totalization handles vesting automatically — but understanding the full landscape matters for late starters and those planning a SOFA→work-visa transition.',
      'decum.vesting.banner.eligible':       'You\'ve cleared the 10-year vesting hurdle',
      'decum.vesting.banner.eligible_body':  'You have {{years}} years of contributions on record. Any future contributions add directly to your benefit amount (linear: each year ≈ ¥21K/yr added to lifetime pension).',
      'decum.vesting.banner.partial':        'You\'re below the 10-year vesting hurdle',
      'decum.vesting.banner.partial_body':   'You have {{years}} years on record; need {{needed}}. Use one of the strategies below to close the gap. For US persons, totalization is usually the easiest path.',
      'decum.vesting.banner.no_contributions': 'No JP pension contributions yet',
      'decum.vesting.banner.no_contributions_body': 'If you ever start working in Japan inside the JP pension system, the strategies below explain how to vest. For US persons, even one Japanese year combined with US Social Security credits = vested via totalization.',

      'decum.vesting.path.most_relevant':   'most relevant',
      'decum.vesting.path.when_label':      'When',
      'decum.vesting.path.how_label':       'How',
      'decum.vesting.path.gotchas_label':   'Watch out',

      'decum.vesting.path.tsuino.title':    '追納 (Tsuino) — back-pay formally exempted periods',
      'decum.vesting.path.tsuino.when':     'You had a formally approved exemption on file (income-based 免除 or student deferral 学生納付特例) during low-income periods, and your situation later improved.',
      'decum.vesting.path.tsuino.how':      'File 追納申出書 with the local 年金事務所. You can back-pay missed periods within a 10-year window. Restores both vesting credit AND benefit calculation for those months.',
      'decum.vesting.path.tsuino.gotchas':  'Only works if you formally filed for exemption at the time. Without exemption on record, missed payments past the standard 2-year grace (時効) are gone permanently — there\'s no general "I forgot for 5 years" backpay.',

      'decum.vesting.path.nin_i.title':     '任意加入 (Nin\'i Kanyu) — voluntary enrollment ages 60-65',
      'decum.vesting.path.nin_i.when':      'You\'re approaching 60 (or already past) and want to top up toward the full 40-year benefit, OR clear the 10-year vesting hurdle if not yet met.',
      'decum.vesting.path.nin_i.how':       'Voluntarily continue paying 国民年金 premiums (~¥17,920/mo in FY2026) from age 60 to 65. Special extension to age 70 (特例任意加入) is available specifically for those still trying to reach the 10-year minimum.',
      'decum.vesting.path.nin_i.gotchas':   'Must be a JP resident at the time of voluntary enrollment. Premiums are deductible from JP income tax (社会保険料控除). The math: each year of contribution ≈ ¥21K/yr added to lifetime pension; ~10y to break even on premium, then pure upside.',

      'decum.vesting.path.totalization.title':   'US-Japan Totalization Agreement — US years count toward JP vesting',
      'decum.vesting.path.totalization.when':    'You\'re a US person with significant US Social Security credits AND fewer than 10 Japanese years. (Most relevant path for the typical Taigan Bridge user.)',
      'decum.vesting.path.totalization.how':     'You don\'t need 10 Japanese years on JP contributions alone. Under the agreement (in force since Oct 2005), US Social Security credits count toward Japan\'s 10-year vesting requirement. 7y US + 3y JP = vested. Even 1 Japanese year combined with a normal US work history = vested. Apply via the 年金事務所 with your US earnings statement; SSA will issue a coverage certificate.',
      'decum.vesting.path.totalization.gotchas': 'CRITICAL: totalization is for VESTING (qualification) only. The actual JP pension benefit is calculated solely on the months you actually paid into 厚生年金/国民年金 — totalized US years do NOT increase the JP payout. Same in reverse: JP years count toward US SS minimum but don\'t increase US benefits.',

      'decum.vesting.path.kara.title':      'カラ期間 / 合算対象期間 — PR / naturalization complementary period',
      'decum.vesting.path.kara.when':       'You become a Japanese citizen (帰化) OR receive permanent residency (永住権) before age 65, and have prior overseas residence as an adult.',
      'decum.vesting.path.kara.how':        'Overseas residence between Apr 1, 1961 and the day before naturalization/PR (during ages 20-59) automatically counts as カラ期間 toward the 10-year vesting requirement. Apply at your 年金事務所 with proof of foreign residence period.',
      'decum.vesting.path.kara.gotchas':    'Counts toward eligibility ONLY — does NOT increase the actual benefit amount (you\'re still paid based on actual contribution months). And only triggers retroactively when you become PR or naturalize.',

      'decum.vesting.economics.title':        'Is voluntary contribution worth it? FY2026 numbers',
      'decum.vesting.economics.intro':        'For voluntary contributions (任意加入 or 追納), the math is straightforward: premium vs lifetime benefit. Below are the FY2026 figures.',
      'decum.vesting.economics.premium':      'Annual premium',
      'decum.vesting.economics.month':        'mo',
      'decum.vesting.economics.per_year_value': 'Per-year benefit added',
      'decum.vesting.economics.per_year_value_hint': 'Each year of contribution adds this to lifetime pension',
      'decum.vesting.economics.breakeven':    'Break-even years',
      'decum.vesting.economics.breakeven_hint': 'Years of pension receipt to recoup premium',
      'decum.vesting.economics.full_benefit': 'Full 国民年金 (40y)',
      'decum.vesting.economics.at_40_years':  'Maximum annual benefit',
      'decum.vesting.economics.strategic_label': 'Strategic question:',
      'decum.vesting.economics.strategic_body':  'Voluntary contribution makes sense if you expect to live ≥10 years past pension start (highly likely; JP life expectancy past 65 is ~18-22 years) AND you want yen-denominated, lifetime-indexed income diversification on top of US Social Security and your retirement portfolio. The pension is also indexed to JP COLA — useful if you\'re planning to stay in Japan and worry about the dollar weakening.',
      'decum.vesting.tax_label':              'Tax treatment',
      'decum.vesting.tax_body':               'Premiums are fully deductible from JP income via 社会保険料控除 (no cap). Benefits when received are taxed as 雑所得 (miscellaneous income) on JP side. For US persons, JP pension benefits paid to a US resident are taxed under treaty Article 17 — only by Japan (Saving Clause does not apply for THIS direction). For JP residents, US 1040 reports it but FTC offsets.',

      'decum.withdrawal.intro':        'The order in which you draw from taxable / pre-tax / Roth accounts dramatically affects lifetime tax. Different rules apply for JP-resident vs US-domiciled retirees.',
      'decum.withdrawal.wrong_default_label': 'The standard US "taxable → pre-tax → Roth" order is often WRONG for JP residents',
      'decum.withdrawal.wrong_default_body':  'Why: JP marginal rates above ¥7M income exceed US marginal rates, AND Japan does NOT recognize Roth tax-free status — Roth withdrawals are taxed as ordinary income in JP. The standard US sequence puts the most tax-painful (Roth) bucket last when you\'re likely OLDER and possibly in a HIGHER JP bracket. Reverse may make sense.',
      'decum.withdrawal.strat.standard': 'Standard (US-domiciled)',
      'decum.withdrawal.strat.standard.when': 'Best when you\'ll retire in the US and stay there.',
      'decum.withdrawal.strat.jp_resident': 'JP-resident reverse',
      'decum.withdrawal.strat.jp_resident.when': 'Best when you\'ll be JP tax resident in retirement. Pull Roth + after-tax FIRST when JP bracket is lower; preserve pre-tax for years when JP rates may rise or you\'ve relocated to US.',
      'decum.withdrawal.strat.tax_diversified': 'Tax-diversified',
      'decum.withdrawal.strat.tax_diversified.when': 'Hedge: pull from each bucket annually, sized to fill specific tax brackets in each country.',
      'decum.withdrawal.tip.jp_treats_roth_taxable': 'Japan does NOT recognize Roth IRA / 401(k) tax-free withdrawal. JP taxes them as ordinary income with no special treatment. The "tax-free" benefit only applies on the US side.',
      'decum.withdrawal.tip.pre_tax_double_dip': 'Pre-tax (Traditional IRA / 401k) withdrawals: taxed as ordinary income in BOTH countries. FTC offsets, but the binding constraint is the higher of the two marginal rates.',
      'decum.withdrawal.tip.bracket_management': 'Annual bracket management is the core tactic: pull just enough from each bucket to fill a specific bracket without crossing into a higher one. Requires year-by-year modeling — see Projections.',
      'decum.withdrawal.tip.specialist_required': 'This is one of the most painful and least-understood areas of cross-border retirement planning. Specialist CPA experienced with US-JP retirees is highly recommended before locking in a sequence.',
      'decum.withdrawal.jp_resident_q': 'Will you be JP tax resident at retirement?',
      'decum.withdrawal.unsure':       'Unsure — modeling both',
      'decum.withdrawal.yes_jp':       'Yes — staying in Japan',
      'decum.withdrawal.no_us':        'No — repatriating to US',
      'decum.withdrawal.preferred':    'Preferred withdrawal strategy',
      'decum.withdrawal.notes':        'Notes',
      'decum.modal.withdrawal':        'Edit withdrawal strategy',

      'decum.rmd.active':              '⚠ Currently subject to RMDs (age {{age}})',
      'decum.rmd.approaching':         'RMDs in {{years}}y — last window for tax-efficient pre-RMD strategies',
      'decum.rmd.future':              'RMDs in {{years}}y',
      'decum.rmd.point.age_73':        'Required Minimum Distributions begin the year you turn 73 (was 72; raised to 73 in 2023, raises to 75 in 2033 under SECURE 2.0).',
      'decum.rmd.point.first_year_grace': 'First RMD can be delayed until April 1 of the year AFTER you turn 73 — but doing so means TWO RMDs that year (compressed bracket).',
      'decum.rmd.point.50pct_penalty': 'Missing an RMD = 25% penalty on the shortfall (was 50% pre-SECURE 2.0; further reduced to 10% if corrected within the correction window).',
      'decum.rmd.point.pre_rmd_conversion': 'Pre-RMD years (typically ages retire-72) are the LAST window for tax-efficient Roth conversions before required income kicks in. Once RMDs start, your bracket is dragged up regardless of how much else you withdraw.',
      'decum.rmd.point.qcd_strategy':  'QCD (Qualified Charitable Distribution): age 70½+ can transfer up to $108K (2025) directly from IRA to charity. Counts toward RMD and reduces AGI — better than itemizing.',
      'decum.rmd.point.no_jp_equivalent': 'Japan has no RMD equivalent. JP-side, you can let pre-tax accounts grow indefinitely without forced distribution — the US RMD is the only forcing function.',
      'decum.rmd.point.jp_treats_rmd_as_income': 'For JP residents: RMDs are taxed as ordinary JP income on top of US tax. FTC offsets the US side; JP marginal rate often binds.',
      'decum.rmd.your_strategy':       'Your RMD strategy',
      'decum.rmd.convert_pre_rmd':     'Plan pre-RMD Roth conversions',
      'decum.rmd.convert_pre_rmd.help': 'Use the gap years between retirement and RMD age to convert Traditional → Roth at lower marginal rates.',
      'decum.rmd.qcd_planned':         'Plan to use QCDs (charitable RMD)',
      'decum.rmd.qcd_planned.help':    'Available age 70½+. Direct IRA → charity transfer counts toward RMD and reduces AGI.',
      'decum.rmd.notes':               'Notes',
      'decum.modal.rmd':               'Edit RMD planning',

      'decum.healthcare_bridge.intro': 'If you retire before 65, you face a coverage gap until Medicare eligibility. The bridge depends on US vs JP residence and your alternate options.',
      'decum.healthcare_bridge.point.gap_period': 'Gap period: from your last day of employer coverage until Medicare A/B kicks in at 65 (or TFL if retired military with TRICARE → Medicare).',
      'decum.healthcare_bridge.point.cobra': 'COBRA: 18mo (sometimes 36mo) of continued employer coverage. Expensive (you pay full premium + 2%) but seamless. Available even when living abroad.',
      'decum.healthcare_bridge.point.aca_marketplace': 'ACA Marketplace: only available when residing in the US. Subsidies based on income; Premium Tax Credit (PTC) can substantially reduce cost.',
      'decum.healthcare_bridge.point.private_intl': 'Private international (CIGNA Global, Aetna International, GeoBlue): primary option for JP-resident pre-65 retirees. $400-$1500+/mo per person depending on age + tier.',
      'decum.healthcare_bridge.point.jp_nhi': 'JP NHI: cheap (income-based premium) and covers JP medical care well. Only requires you to be a JP resident — non-SOFA expats can enroll.',
      'decum.healthcare_bridge.point.medicare_then_tfl': 'At 65: Medicare A (free if 40+ work credits) + Part B ($195+/mo, paid even abroad). For TRICARE-eligible retirees, this unlocks TFL — which DOES cover overseas care.',
      'decum.healthcare_bridge.see_healthcare': 'Open Healthcare module to set Medicare + private intl + LTC',

      'decum.resources.ssa.title':     'SSA — my Social Security',
      'decum.resources.ssa.body':      'Personal SSA portal: verify earnings record, project benefit at each claim age, file for benefits.',
      'decum.resources.totalization.title': 'US-Japan Totalization Agreement',
      'decum.resources.totalization.body': 'How the treaty closes gaps in either country\'s minimum-quarter requirement and prevents double SS-tax on cross-border earnings.',
      'decum.resources.fairness_act.title': 'Social Security Fairness Act',
      'decum.resources.fairness_act.body':  'SSA page on the WEP/GPO repeal. How to verify your benefit was updated; retroactive payment processing status.',
      'decum.resources.nenkin.title':  'Japan Pension Service (年金事務所) — international',
      'decum.resources.nenkin.body':   'Lookup your pension record, request a coverage certificate, file for pension benefit.',
      'decum.resources.irs_rmd.title': 'IRS — RMD overview',
      'decum.resources.irs_rmd.body':  'Calculation tables, deadline rules, penalties, QCD specifics.',

      // ====================================================================
      // Health Tracker module (v0.37) — records / results layer
      // ====================================================================
      'ht.title':                       'Health Tracker',
      'ht.subtitle':                    'Exam results, lab values, medications, care plan & preventive screenings. Drop a lab PDF — AI extracts vitals + values + flags so you see your history in one place.',
      'ht.export.csv':                  'Export CSV',
      'ht.import.vision':               'Import exam (AI)',
      'ht.advisor.btn':                 'AI Advisor',
      // Year-in-Review (v0.58)
      'ht.yir.btn':                     'Year in Review',
      'ht.yir.title':                   'Health Year in Review',
      'ht.yir.headerTitle':             'Health Year in Review',
      'ht.yir.year':                    'Year',
      'ht.yir.print':                   'Print / Save as PDF',
      'ht.yir.generated':               'Generated',
      'ht.yir.empty':                   'No health data recorded for {{year}} yet.',
      // Tiles
      'ht.yir.tile.exams':              'Exams',
      'ht.yir.tile.procedures':         'Procedures',
      'ht.yir.tile.dentalVisits':       'Dental visits',
      'ht.yir.tile.activeMeds':         'Active meds',
      'ht.yir.tile.episodes':           'Episodes',
      // Section headers
      'ht.yir.section.spend':           'Spending breakdown',
      'ht.yir.section.exams':           'Exams completed',
      'ht.yir.section.providers':       'Providers visited',
      'ht.yir.section.medications':     'Medication changes',
      'ht.yir.section.dental':          'Dental year',
      'ht.yir.section.episodes':        'Care episodes',
      'ht.yir.section.screenings':      'Preventive screenings status',
      'ht.yir.section.actionItems':     'Action items follow-through',
      // Spend
      'ht.yir.spend.totalUsd':          'Total (USD eq.)',
      'ht.yir.spend.totalJpy':          'Total (JPY)',
      'ht.yir.spend.insurance':         'Insurance covered',
      'ht.yir.spend.oop':               'Out-of-pocket',
      'ht.yir.spend.unpaid':            'Unpaid invoices',
      'ht.yir.spend.col.type':          'Type',
      'ht.yir.spend.col.count':         'Count',
      'ht.yir.spend.col.amount':        'Amount',
      // Providers
      'ht.yir.providers.visits':        'visits',
      // Meds
      'ht.yir.meds.started':            'Started {{n}}',
      'ht.yir.meds.ended':              'Ended {{n}}',
      // Dental
      'ht.yir.dental.visits':           '{{n}} dental visit(s) this year',
      'ht.yir.dental.perioTrend':       'Periodontal trend (first → latest)',
      'ht.yir.dental.procedures':       'Procedures: {{n}}',
      // Episodes
      'ht.yir.episodes.completed':      'Completed this year: {{n}}',
      'ht.yir.episodes.active':         'Still active: {{n}}',
      // Screenings
      'ht.yir.screenings.summary':      '{{current}} current · {{overdue}} overdue · {{upcoming}} upcoming',
      'ht.yir.screenings.overdue':      'Needs follow-up',
      // Action items
      'ht.yir.actions.summary':         '{{closed}} of {{total}} action items completed ({{pct}}%)',
      'ht.advisor.empty':               'Add at least one exam first — the AI Advisor uses your exam history as context.',
      'ht.cancel':                      'Cancel',
      // Undo toast (v0.44)
      'ht.undo':                        'Undo',
      'ht.undo.dismiss':                'Dismiss',
      'ht.toast.medDeleted':            'Deleted "{{name}}" — 10s to undo',
      'ht.toast.examDeleted':           'Deleted exam {{label}} — 10s to undo',
      'ht.toast.invoiceDeleted':        'Deleted invoice {{label}} — 10s to undo',
      'ht.toast.episodeDeleted':        'Deleted episode "{{title}}" — 10s to undo',
      // Named delete confirms — surface what the user is about to lose
      'ht.exams.delete.confirm.named':  'Delete exam {{label}}? Its lab values will no longer appear in trends. You\'ll have 10 seconds to undo.',
      'ht.invoices.delete.confirm.named': 'Delete invoice {{label}}? You\'ll have 10 seconds to undo.',
      'ht.episodes.delete.confirm.named': 'Delete episode "{{title}}"? Attached exams/meds/invoices are detached but kept. You\'ll have 10 seconds to undo.',
      'ht.save':                        'Save',
      'ht.delete':                      'Delete',

      // Empty state
      'ht.empty.title':                 'Welcome to Health Tracker',
      'ht.empty.body':                  'Track exam results, lab values over time, medications, and preventive screenings. Each exam stores vitals + lab values + diagnoses; the Lab Results tab unifies them across visits so you see trends (A1C, LDL, vitamin D…) at a glance.',
      'ht.empty.addExam':               'Add your first exam',
      'ht.empty.import':                'Import from PDF',

      // Tabs
      'ht.dash.lastExam':               'Last exam',
      'ht.dash.lastPhysical':           'Last physical',
      'ht.dash.lastBloodPanel':         'Last blood panel',
      'ht.dash.via':                    'via {{type}}',
      'ht.dash.bloodLabs':               'blood labs',
      'ht.dash.activeMeds':             'Active medications',
      'ht.dash.screeningsDue':          'Screenings due',
      'ht.dash.daysAgo':                '{{n}}d ago',
      'ht.dash.never':                  'Never',
      'ht.dash.none':                   'None',
      'ht.dash.allCurrent':             'All current',
      'ht.dash.trends':                 'Lab trends (top 6)',
      'ht.dash.trends.intro':           'Most-recent values across exam history. Abnormal-most-recent surface first; tap any to open the Lab Results tab for full detail.',
      'ht.dash.trends.more':            '+ {{n}} more tracked',
      'ht.dash.trends.viewAll':         'View all in Lab Results',
      'ht.dash.screeningsTitle':        'Preventive screenings overdue',
      'ht.dash.critical':               'overdue by {{d}}d',
      'ht.dash.dueNow':                 'due now',
      'ht.dash.lastDone':               'Last done',
      'ht.dash.viewAllScreenings':      'View all {{n}} screenings in Care Plan',
      'ht.dash.aiSummary':              'AI summary from latest exam',
      'ht.dash.aiSummary.from':         'Generated when {{date}} exam was imported via AI vision.',

      // Lab Results tab
      'ht.labs.title':                  'Lab Results — all tests across all exams',
      'ht.labs.intro':                  'Every distinct lab test you have on file. Sorted abnormal-first, then alphabetical. Hover any sparkline to see exam-by-exam values.',
      'ht.labs.sparkline.title':        'Exam-by-exam values',
      // Potential-duplicate detection at import time
      'ht.labs.dup.title':              'Possible duplicate test names ({{n}})',
      'ht.labs.dup.intro':              'These extracted names look similar to tests you already have on file but aren\'t auto-merged. Rename the new entry to match the existing one — or dismiss if they\'re actually different tests.',
      'ht.labs.dup.reason.fingerprint': 'Same letters/digits, different punctuation',
      'ht.labs.dup.reason.substring':   'One name contains the other',
      'ht.labs.dup.reason.typo':        'Spelling near-match (Levenshtein ≤ 2)',
      'ht.labs.dup.action.rename':      'Rename to match',
      'ht.labs.dup.action.different':   'Different test',
      'ht.labs.dup.action.renamed':     'Renamed',
      // Methodology-note hints — for tests where the measured value
      // can legitimately drift across reports because of HOW it was
      // measured, not WHAT was measured.
      'ht.labs.methodNote.title':       'Method may vary across reports',
      'ht.labs.methodNote.body_fat_pct': 'Body fat percentage measured via Bioelectrical Impedance (BIA — JP health-checkup scales, Tanita), DEXA scan (US clinical gold standard), or skinfold calipers can vary by 1–3 percentage points for the same person on the same day. Small step-ups or step-downs in the trend may be method-driven rather than real change.',
      'ht.labs.methodNote.waist_circumference': 'Waist circumference measured by tape (typical JP/US clinic technique) versus CT scan at the L4–L5 anatomical level can differ by a few cm. Reference thresholds also differ: JP metabolic-syndrome cutoff < 85 cm for men, US ATP-III cutoff < 102 cm — same measurement, different bands.',
      'ht.labs.methodNote.hba1c':       'HbA1c reporting standards differ: the NGSP (international/US) standard reads about 0.4% higher than the older JDS (Japanese) standard that was used until 2012. Modern JP reports usually state "(NGSP)" — if you compare to an old report without that label, expect the older one to read lower.',
      'ht.labs.methodNote.ldl_cholesterol': 'LDL is often CALCULATED (Friedewald: Total − HDL − TG/5) rather than directly measured. The calculation breaks down when triglycerides exceed 400 mg/dL or when non-fasting. Direct LDL measurement is more accurate but cost-restricted. Cross-report comparisons can differ by 5–15 mg/dL.',
      'ht.labs.methodNote.egfr':        'eGFR uses an estimating equation, not direct measurement. Newer reports use CKD-EPI (2021, race-free); older reports may use MDRD or include a race coefficient that has since been removed. The same creatinine value can produce eGFR values differing by 5–10 mL/min depending on which formula was applied.',
      'ht.labs.methodNote.triglycerides': 'Triglyceride values are heavily dependent on fasting state. A recent meal (especially carbs/alcohol) can elevate values by 30–50% or more. For meaningful tracking, compare fasting-state readings only. Reports without an explicit "fasting" indicator are ambiguous.',
      'ht.labs.methodNote.psa':         'PSA can rise transiently from non-cancer causes for 24–72 hours: digital rectal exam, ejaculation, vigorous bike riding, prostatitis, recent biopsy. For tracking, a rising trend across multiple readings matters more than a single spot value.',
      'ht.labs.methodNote.ferritin':    'Ferritin doubles as an acute-phase reactant — any active inflammation (infection, autoimmune flare, post-surgery, obesity) elevates it independent of iron status. A "normal" ferritin during inflammation does not rule out iron deficiency; pair with CRP for context.',
      'ht.labs.methodNote.hemoglobin':  'Hemoglobin is significantly hydration-sensitive — dehydration concentrates the blood and falsely elevates Hb. A reading drawn after vigorous exercise or insufficient fluid intake reads about 0.5–1.5 g/dL higher than a well-hydrated baseline.',
      'ht.labs.methodNote.hematocrit':  'Hematocrit tracks hemoglobin closely and shares the same hydration sensitivity. Dehydration falsely elevates; overhydration falsely depresses. Most useful when compared across consistent draw conditions.',
      'ht.labs.methodNote.uric_acid':   'Uric acid rises transiently after high-purine meals (red meat, organ meats, anchovies), alcohol (especially beer), and dehydration. For meaningful tracking, fast and avoid alcohol the day before the draw.',
      'ht.labs.methodNote.ck':          'CK is highly affected by physical activity — strenuous exercise within 24-72 hours can elevate values 10–100× baseline. A single elevated CK in a healthy active person often just means "worked out hard recently." Persistent unexplained elevation warrants follow-up.',
      // Lab info popover section labels + disclaimer
      'ht.labs.info.what':              'What it measures',
      'ht.labs.info.why':               'Why it matters',
      'ht.labs.info.high':              'When high',
      'ht.labs.info.low':               'When low',
      'ht.labs.info.disclaimer':        'Educational reference only — not medical advice. Talk to your doctor about your values in context.',
      'ht.labs.empty':                  'No lab results yet. Add an exam or import a PDF to start tracking.',
      'ht.labs.col.test':               'Test',
      'ht.labs.col.latest':             'Latest',
      'ht.labs.col.range':              'Reference',
      'ht.labs.col.flag':               'Flag',
      'ht.labs.col.readings':           '#',
      'ht.labs.col.trend':              'Trend',
      // Test-name de-duplication (v0.44)
      'ht.labs.aliasBadge':             '{{n}} names',
      'ht.labs.aliasHover':             'Combined from these stored names',
      'ht.labs.rangeVariesHover':       'Reference range varies across reports — showing the most recent. Variants seen',
      'ht.labs.legend.info':            'hover for what the test is and why it matters',
      'ht.labs.legend.alias':           'multiple stored names combined (hover ⇄ badge to see them)',
      'ht.labs.legend.rangeVaries':     'reference range varies across reports — hover * for the variants',
      // Clinical panel grouping (v0.47)
      'ht.labs.group.count':            '{{n}} test(s)',
      'ht.labs.group.abnormal':         'abnormal',
      'ht.labs.group.body_comp':        'Body Composition',
      'ht.labs.group.vitals':           'Vitals',
      'ht.labs.group.lipid':            'Lipid Panel',
      'ht.labs.group.glycemic':         'Glycemic Control',
      'ht.labs.group.liver':            'Liver Function',
      'ht.labs.group.kidney':           'Kidney Function',
      'ht.labs.group.cbc':              'Complete Blood Count (CBC)',
      'ht.labs.group.electrolytes':     'Electrolytes',
      'ht.labs.group.iron':             'Iron Studies',
      'ht.labs.group.thyroid':          'Thyroid',
      'ht.labs.group.cardiac':          'Cardiac',
      'ht.labs.group.inflammation':     'Inflammation',
      'ht.labs.group.tumor_markers':    'Tumor Markers',
      'ht.labs.group.vitamins':         'Vitamins',
      'ht.labs.group.coagulation':      'Coagulation',
      'ht.labs.group.autoimmune':       'Autoimmune / Rheumatology',
      'ht.labs.group.urinalysis':       'Urinalysis',
      'ht.labs.group.pancreas':         'Pancreas',
      'ht.labs.group.ekg':              'EKG (heart rhythm)',
      'ht.labs.group.spirometry':       'Spirometry (lung function)',
      'ht.labs.group.infectious':       'Infectious Disease Screening',
      'ht.labs.group.ophthalmology':    'Eye Pressure',
      'ht.labs.group.other':            'Other tests',
      'ht.labs.field.name':             'Test name',
      'ht.labs.field.value':            'Value',
      'ht.labs.field.unit':             'Unit',
      'ht.labs.addRow':                 'Add lab result',

      // Exam Details tab
      'ht.exams.title':                 'Exam Details — full history',
      'ht.exams.intro':                 'Each exam stores vitals, lab values, diagnoses, and follow-up. Click any row to edit; the system computes trends across exams automatically.',
      'ht.exams.add':                   'Add exam',
      'ht.exams.addTitle':              'Add exam',
      'ht.exams.edit':                  'Edit exam',
      'ht.exams.empty':                 'No exams logged yet.',
      'ht.exams.delete.confirm':        'Delete this exam? Its lab values will no longer appear in trends.',
      'ht.exams.field.type':            'Exam type',
      'ht.exams.field.date':            'Date',
      'ht.exams.field.provider':        'Ordering provider',
      'ht.exams.field.facility':        'Facility / clinic',
      'ht.exams.vitals.title':          'Vitals',
      'ht.exams.labs.title':            'Lab results',
      'ht.exams.diagnoses':             'Diagnoses (one per line)',
      'ht.exams.diagnoses.help':        'List anything diagnosed at this visit. One condition per line. These power the AI Advisor context.',
      'ht.exams.followup':              'Follow-up instructions',
      'ht.exams.notes':                 'Notes',

      // Vitals
      'ht.vitals.weight_kg':            'Weight (kg)',
      'ht.vitals.height_cm':            'Height (cm)',
      'ht.vitals.bp_systolic':          'BP systolic',
      'ht.vitals.bp_diastolic':         'BP diastolic',
      'ht.vitals.heart_rate':           'Heart rate (bpm)',
      'ht.vitals.temp_c':               'Temp (°C)',
      'ht.vitals.spo2':                 'SpO2 (%)',

      // Care Plan tab
      'ht.care.add':                    'Add',
      'ht.care.empty':                  'None yet.',
      'ht.care.delete.confirm':         'Remove this item?',
      'ht.care.auto':                   'auto',
      'ht.care.auto.fromExam':          'from {{date}} exam',
      'ht.care.auto.fromEpisode':       'from active episode "{{title}}"',
      'ht.care.auto.fromMed':           'treated with {{name}}',
      'ht.care.auto.fromScreening':     'overdue screening',
      'ht.care.auto.scheduleScreening': 'Schedule {{name}}',
      'ht.care.screenings.title':       'Preventive screenings — recommended by age',
      'ht.care.screenings.intro':       'USPSTF + standard cadence defaults; override the interval or mark "not applicable" per row. Items go critical when overdue >1 year.',
      'ht.care.screenings.empty':       'No screenings recommended at your current age.',
      'ht.care.screenings.col.test':    'Screening',
      'ht.care.screenings.col.lastDone':'Last done',
      'ht.care.screenings.col.interval':'Interval',
      'ht.care.screenings.col.status':  'Status',
      'ht.care.screenings.status.critical':'overdue',
      'ht.care.screenings.status.due':     'due',
      'ht.care.screenings.status.upcoming':'upcoming',
      'ht.care.screenings.status.current': 'current',
      'ht.care.screenings.lastDone':    'Last done',
      'ht.care.screenings.interval':    'Interval (years)',
      'ht.care.screenings.interval.help':'Override the default cadence if your doctor recommends a different interval (e.g., colonoscopy every 5y after polyp finding).',
      'ht.care.screenings.notes':       'Notes',
      'ht.care.screenings.disable':     'Not applicable to me (hide from list)',

      'ht.care.concerns.title':         'Primary concerns',
      'ht.care.concerns.intro':         'Ongoing conditions / topics to discuss at next visit.',
      'ht.care.concerns.add':           'Add concern (free text):',
      'ht.care.goals.title':            'Annual goals',
      'ht.care.goals.intro':            'Specific, measurable health goals for the year.',
      'ht.care.goals.add':              'Add goal (free text):',
      'ht.care.referrals.title':        'Specialist referrals',
      'ht.care.referrals.intro':        'Track referrals: requested → scheduled → completed.',
      'ht.care.referrals.prompt.specialty': 'Specialty? (e.g., Dermatology, Cardiology):',
      'ht.care.referrals.prompt.doctor':    'Specific doctor name (optional):',
      'ht.care.appointments.title':     'Upcoming appointments',
      'ht.care.appointments.intro':     'Future booked visits across all providers.',
      'ht.care.appointments.prompt.date':     'Appointment date (YYYY-MM-DD):',
      'ht.care.appointments.prompt.provider': 'Provider / doctor:',
      'ht.care.appointments.prompt.purpose':  'Purpose / type of visit:',

      // Meds & Tracking tab
      'ht.meds.title':                  'Medications',
      'ht.meds.intro':                  'Active + historical medications. Refill reminders fire 14 days before next_refill_date.',
      'ht.meds.empty':                  'No medications logged yet.',
      'ht.meds.active':                 'Active',
      'ht.meds.past':                   'Past medications',
      'ht.meds.add':                    'Add medication',
      'ht.meds.addTitle':               'Add medication',
      'ht.meds.editTitle':              'Edit medication',
      'ht.meds.delete.confirm':         'Delete this medication record?',
      'ht.meds.delete.confirm.named':   'Delete "{{name}}"? You\'ll have 10 seconds to undo.',
      // Med row quick actions
      'ht.meds.action.refill':          'Refilled',
      'ht.meds.action.refill.help':     'Mark today as the refill date. Advances next-refill by the previous interval (or +30 days when unknown) and decrements refills-remaining when set.',
      'ht.meds.action.complete':        'Done',
      'ht.meds.action.complete.help':   'Mark the course as completed. The medication moves to the Past list. You can resume it later if needed.',
      'ht.meds.action.complete.confirm': 'Mark "{{name}}" as completed? It will move to the Past medications list.',
      'ht.meds.action.resume':          'Resume',
      'ht.meds.action.resume.help':     'Clear the ended-date and move this medication back to the Active list.',
      'ht.meds.field.name':             'Brand name',
      'ht.meds.field.name.required':    'Brand name is required.',
      'ht.meds.field.generic':          'Generic name',
      'ht.meds.field.generic.help':     'For cross-country travel — sometimes the brand differs but generic stays the same.',
      'ht.meds.field.dosage':           'Dosage',
      'ht.meds.field.frequency':        'Frequency',
      'ht.meds.field.frequency.help':   'Free-form: "twice daily", "every 8 hours", "as needed for pain".',
      'ht.meds.field.route':            'Route',
      'ht.meds.field.purpose':          'Purpose / condition',
      'ht.meds.field.purpose.help':     'What this is treating (helps when reviewing the list later).',
      'ht.meds.field.started':          'Started',
      'ht.meds.field.ended':            'Ended (leave blank if active)',
      'ht.meds.field.ended.help':       'Setting an end date moves it to the historical list.',
      'ht.meds.field.prescriber':       'Prescriber',
      'ht.meds.field.pharmacy':         'Pharmacy',
      'ht.meds.field.refills':          'Refills remaining',
      'ht.meds.field.nextRefill':       'Next refill date',
      'ht.meds.field.sideEffects':      'Side effects observed',
      'ht.meds.field.notes':            'Notes',

      // Dental tab (v0.52 — full rebuild)
      'ht.dental.title':                'Dental care information',
      'ht.dental.intro':                'Import your dental records to track procedures, providers, costs, and recommended follow-ups. Upload documents or add entries manually.',
      'ht.dental.upload':               'Upload dental records',
      'ht.dental.addEntry':             'Add entry',
      // Tooth chart
      'ht.dental.chart.title':          'Tooth & gum status',
      'ht.dental.chart.hint':           'Click any tooth to change its status',
      'ht.dental.chart.subtitle':       'Tooth & gum status — occlusal (top-down) view',
      'ht.dental.chart.legend':         'Universal (bold) · FDI (parentheses) · pink halo = gum · yellow halo = 4–6 mm pocket · red halo = bleeding',
      'ht.dental.chart.upper':          'Upper arch',
      'ht.dental.chart.lower':          'Lower arch',
      'ht.dental.chart.patientRight':   'patient right',
      'ht.dental.chart.patientLeft':    'patient left',
      'ht.dental.chart.tongue':         'tongue',
      'ht.dental.chart.teeth':          'teeth',
      'ht.dental.chart.natural':        'Natural tooth',
      'ht.dental.chart.filling':        'Filling',
      'ht.dental.chart.crown':          'Crown',
      'ht.dental.chart.missing':        'Missing',
      'ht.dental.chart.cavities':        'Cavities',
      'ht.dental.chart.needTreatment':   'Requires treatment',
      'ht.dental.chart.needObservation': 'Requires observation',
      'ht.dental.perio.pockets':        'Pockets 4 mm or more',
      'ht.dental.perio.bop':            'Bleeding on probing',
      'ht.dental.perio.mobile':         'Mobile teeth',
      'ht.dental.perio.target':         'target: {{v}}% or less',
      // Pocket-depth distribution stacked bar (v0.53)
      'ht.dental.perio.distribution.title': 'Pocket depth distribution',
      'ht.dental.perio.distribution.intro': 'Distribution of all probed sites by pocket depth',
      'ht.dental.perio.distribution.healthy': '1–3 mm',
      'ht.dental.perio.distribution.mild':    '4–6 mm',
      'ht.dental.perio.distribution.severe':  '7+ mm',
      // Single tooth modal
      'ht.dental.tooth.title':          'Tooth #{{uni}} (FDI {{fdi}})',
      'ht.dental.tooth.status':         'Status',
      'ht.dental.tooth.pocket':         'Pocket ≥ 4 mm at this site',
      'ht.dental.tooth.bleeding':       'Bleeding on probing',
      'ht.dental.tooth.mobile':         'Mobile (tooth moves)',
      'ht.dental.tooth.pocketDepth':    'Max pocket depth (mm)',
      'ht.dental.tooth.pocketDepth.help':'Deepest measurement at this tooth, in millimeters.',
      'ht.dental.tooth.notes':          'Per-tooth notes',
      'ht.dental.tooth.section.perio':  'Gum / periodontal',
      'ht.dental.tooth.section.alerts': 'Clinical alerts',
      'ht.dental.tooth.cavity':         'Active cavity (caries)',
      'ht.dental.tooth.needsTreatment': 'Requires treatment',
      'ht.dental.tooth.needsObservation': 'Requires observation',
      'ht.dental.notes.clinicalInterpretation': 'Clinical interpretation',
      'ht.dental.notes.clinicalInterpretation.help': 'Clinician\'s analysis of what the findings mean — significance, drivers, context. Separate from the raw findings.',
      'ht.dental.notes.findings.help':  'Factual observations from the exam — counts, measurements, status. The interpretation goes in the section below.',
      // Providers
      'ht.dental.providers.title':      'Dental providers',
      'ht.dental.providers.empty':      'No dental providers on file. Add your dentist + clinic so visits and procedures can be linked.',
      'ht.dental.providers.add':        'Add provider',
      'ht.dental.providers.addTitle':   'Add dental provider',
      'ht.dental.providers.editTitle':  'Edit dental provider',
      'ht.dental.providers.delete.confirm': 'Delete "{{name}}"? You\'ll have 10 seconds to undo.',
      'ht.dental.providers.nameEn':     'Name (English)',
      'ht.dental.providers.nameJp':     'Name (Japanese)',
      'ht.dental.providers.type':       'Specialty / type',
      'ht.dental.providers.type.help':  'e.g., "General", "Orthodontics", "Periodontics", "Endodontics", "Pediatric".',
      'ht.dental.providers.address':    'Address',
      'ht.dental.providers.phone':      'Phone',
      'ht.dental.providers.email':      'Email',
      'ht.dental.providers.notes':      'Notes',
      'ht.dental.providers.website':    'Website',
      'ht.dental.providers.hours':      'Hours',
      'ht.dental.providers.aiEnriched': '✨ AI-enriched {{date}}',
      'ht.dental.providers.enhance':         'Enhance with AI',
      'ht.dental.providers.enhance.help':    'Fills missing fields (website, hours, address, phone) from Claude\'s public knowledge. Only the clinic name + type is sent — no patient info.',
      'ht.dental.providers.enhance.processing': 'Looking up clinic details…',
      'ht.dental.providers.enhance.done':     '✨ Filled {{n}} field(s) · ${{cost}}',
      'ht.dental.providers.chainEnrich.done': '✨ Enriched {{name}}: filled {{n}} field(s) · ${{cost}}',
      'ht.dental.providers.enhance.nothing':  'Claude didn\'t recognize this clinic',
      'ht.dental.providers.enhance.lowConf':  'Low confidence ({{confidence}}) — review before trusting',
      // Medical exam provider enhance (v0.55)
      'ht.exams.field.provider.enhance':           '✨ Enhance provider info',
      'ht.exams.field.provider.enhance.help':      'AI lookup: appends address, phone, website, hours to Notes.',
      'ht.exams.field.provider.enhance.needName':  'Enter a provider or facility name first.',
      'ht.exams.field.provider.enhance.processing':'Looking up provider details…',
      'ht.exams.field.provider.enhance.done':      '✨ Added {{n}} field(s) · ${{cost}}',
      'ht.exams.field.provider.enhance.nothing':   'Claude didn\'t recognize this provider',
      'ht.exams.field.provider.enhance.lowConf':   'Low confidence ({{confidence}}) — review before trusting',
      // Treatment history
      'ht.dental.tx.title':             'Treatment history',
      'ht.dental.tx.allTime':           'All time',
      'ht.dental.tx.add':               'Add procedure',
      'ht.dental.tx.addTitle':          'Add dental procedure',
      'ht.dental.tx.editTitle':         'Edit dental procedure',
      'ht.dental.tx.empty':             'No procedures recorded for this period.',
      'ht.dental.tx.recommendations':   'Recommendations',
      'ht.dental.tx.code':              'Code',
      'ht.dental.tx.teeth':             'Teeth',
      'ht.dental.tx.invoiceTag':        'Invoice',
      'ht.dental.tx.field.date':        'Date',
      'ht.dental.tx.field.code':        'Code',
      'ht.dental.tx.field.code.help':   'JP insurance code (P基検, SC, 初診) or CDT/ADA code (D1110, D2330, etc.).',
      'ht.dental.tx.field.nameEn':      'Procedure (English)',
      'ht.dental.tx.field.nameJp':      'Procedure (Japanese)',
      'ht.dental.tx.field.cost':        'Cost',
      'ht.dental.tx.field.currency':    'Currency',
      'ht.dental.tx.field.points':      'Points',
      'ht.dental.tx.field.points.help': 'JP insurance points (1 pt ≈ ¥10).',
      'ht.dental.tx.field.qty':         'Qty',
      'ht.dental.tx.field.provider':    'Provider',
      'ht.dental.tx.field.provider.none':'No provider',
      'ht.dental.tx.field.teeth':       'Tooth numbers',
      'ht.dental.tx.field.teeth.help':  'Universal numbers separated by commas. Leave blank for non-tooth-specific procedures.',
      'ht.dental.tx.field.notes':       'Notes',
      'ht.dental.proc.delete.confirm':  'Delete "{{label}}"? You\'ll have 10 seconds to undo.',
      // Appointments
      'ht.dental.appts.title':          'Upcoming appointments',
      'ht.dental.appts.empty':          'No upcoming appointments scheduled',
      'ht.dental.appts.add':            'Schedule appointment',
      'ht.dental.appts.addTitle':       'Schedule dental appointment',
      'ht.dental.appts.field.date':     'Date',
      'ht.dental.appts.field.time':     'Time',
      'ht.dental.appts.field.time.help':'Free-form: "10:00", "2:30 PM", "TBD".',
      'ht.dental.appts.field.provider': 'Provider',
      'ht.dental.appts.field.purpose':  'Purpose',
      'ht.dental.appts.field.notes':    'Notes',
      'ht.dental.appts.delete.confirm': 'Delete this appointment?',
      // Costs
      'ht.dental.costs.title':          'Costs & invoice tracking',
      'ht.dental.costs.total':          'Total dental expenses',
      'ht.dental.costs.insurance':      'Insurance covered',
      'ht.dental.costs.oop':            'Out-of-pocket',
      'ht.dental.costs.invoiceHistory': 'Invoice history',
      'ht.dental.costs.uploadInvoice':  'Upload invoice',
      // Notes & follow-ups
      'ht.dental.notes.title':          'Dental notes & follow-ups',
      'ht.dental.notes.empty':          'No dental notes yet. Add an entry manually or upload a record to auto-populate.',
      'ht.dental.notes.add':            'Add entry',
      'ht.dental.notes.addTitle':       'Add dental note',
      'ht.dental.notes.editTitle':      'Edit dental note',
      'ht.dental.notes.delete.confirm': 'Delete dental note from {{date}}? You\'ll have 10 seconds to undo.',
      'ht.dental.notes.latest':         'Latest',
      'ht.dental.notes.complete':       'Complete',
      'ht.dental.notes.open':           'Open',
      'ht.dental.notes.markComplete':   'Mark complete',
      'ht.dental.notes.reopen':         'Reopen',
      'ht.dental.notes.findings':       'Findings',
      'ht.dental.notes.recommendations':'Recommendations',
      'ht.dental.notes.recommendations.help': 'One bullet per line. The latest set is surfaced at the top of Treatment History.',
      'ht.dental.notes.actionItems':    'Action items',
      'ht.dental.notes.actionItems.help':'One item per line. Each becomes a checkable item below.',
      'ht.dental.notes.next':           'Next appointment',
      'ht.dental.notes.next.help':      'Free-form — "2026-05-22 17:00", "in 3 months", etc.',
      'ht.dental.notes.examSource':     'Exam source',
      // Notes billing block
      'ht.dental.notes.billing':        'Billing',
      'ht.dental.notes.receiptNo':      'Receipt No.',
      'ht.dental.notes.bill.paid':      'Patient paid',
      'ht.dental.notes.bill.insurance': 'Insurance',
      'ht.dental.notes.bill.total':     'Total',
      'ht.dental.notes.bill.currency':  'Currency',
      'ht.dental.notes.bill.burden':    'Burden ratio',
      'ht.dental.notes.bill.burden.help':'JP cost share: "3割" (30%), "1割" (10%), "10割" (100% / no insurance).',
      'ht.dental.notes.bill.receiptNo': 'Receipt No.',
      'ht.dental.notes.bill.source':    'Receipt source',
      'ht.dental.notes.field.date':     'Date',
      'ht.dental.notes.field.provider': 'Provider',
      // Dental import flow
      'ht.dental.import.title':         'Upload dental records',
      'ht.dental.import.intro':         'Drop a dental exam, periodontal chart, or receipt. Claude reads per-tooth findings, procedures with JP insurance codes, periodontal stats, billing breakdown, and recommendations — then auto-populates this tab.',
      'ht.dental.import.dropTitle':     'Drop dental record or click to choose',
      'ht.dental.import.dropHelp':      'PNG / JPG / WEBP / GIF / PDF · 10 MB max · JP 歯科 + US dental supported',
      'ht.dental.import.processing':    'Reading {{name}} — extracting teeth, procedures, billing…',
      'ht.dental.import.done':          '✓ Imported · ${{cost}} · {{teeth}} teeth updated · {{procs}} procedures added',
      'ht.dental.import.notDental':     'This doesn\'t look like a dental record. Try the medical exam import for general health documents.',
      // Toast / delete labels
      'ht.toast.providerDeleted':       'Deleted provider "{{name}}" — 10s to undo',
      'ht.toast.procDeleted':           'Deleted procedure "{{label}}" — 10s to undo',
      'ht.toast.noteDeleted':           'Deleted dental note ({{date}}) — 10s to undo',
      'ht.dental.lastCleaning':         'Last cleaning',
      'ht.dental.lastCleaning.help':    'Cleaning + check-up. Standard cadence 6 months.',
      'ht.dental.lastXrays':            'Last X-rays',
      'ht.dental.lastPerio':            'Last perio',
      'ht.dental.lastPerio.help':       'Periodontal cleaning / deep cleaning if indicated.',
      'ht.dental.dentist':              'Dentist',
      'ht.dental.clinic':               'Clinic / practice',
      'ht.dental.cleaningDue':          'Cleaning overdue: {{d}} days since last. Book your next.',
      'ht.dental.procedures.title':     'Procedures + work done',
      'ht.dental.procedures.intro':     'Fillings, crowns, extractions, root canals. Useful for insurance pre-auth + later treatment planning.',
      'ht.dental.procedures.add':       'Add procedure',
      'ht.dental.procedures.empty':     'No procedures logged.',
      'ht.dental.procedures.delete.confirm': 'Delete this procedure record?',
      'ht.dental.procedures.prompt.date':  'Procedure date (YYYY-MM-DD):',
      'ht.dental.procedures.prompt.type':  'Procedure type (filling, crown, extraction, root canal, etc.):',
      'ht.dental.procedures.prompt.tooth': 'Tooth number (optional):',
      'ht.dental.procedures.prompt.notes': 'Notes (optional):',

      // Insurance & Notes tab
      'ht.notes.title':                 'Insurance summary + notes',
      'ht.notes.intro':                 'Quick-reference card for ER situations + general health notes. The deep coverage planning (Medicare timing, NHI vs SHI, EOL preferences, premium budget) lives in the Healthcare module.',
      'ht.notes.crossLink.title':       'Looking for coverage strategy?',
      'ht.notes.crossLink.body':        'Plan management — Medicare A/B/D, NHI vs SHI, 介護保険, TRICARE/FMP, private intl insurance, EOL preferences — lives in the Healthcare module.',
      'ht.notes.crossLink.open':        'Open Healthcare',
      'ht.notes.primaryPlan':           'Primary plan name',
      'ht.notes.primaryPlan.help':      '"BCBS PPO Federal", "TRICARE Select", "CIGNA International", "Sony Bank 健保", etc.',
      'ht.notes.memberIdLast4':         'Member ID (last 4)',
      'ht.notes.memberIdLast4.help':    'Last 4 digits only — full ID stays out of this app for privacy.',
      'ht.notes.bin':                   'Pharmacy BIN',
      'ht.notes.bin.help':              'For Rx coverage. Often on the back of your insurance card.',
      'ht.notes.pcpName':               'PCP name',
      'ht.notes.pcpPhone':              'PCP phone',
      'ht.notes.generalNotes':          'General notes',
      'ht.notes.generalNotes.help':     'Anything else worth remembering — allergies, drug sensitivities, blood type, emergency contacts, advance directive location.',
      // Insurance card AI import (v0.49)
      'ht.notes.import.btn':            'Import card (AI)',
      'ht.notes.import.title':          'Import insurance card',
      'ht.notes.import.intro':          'Drop a photo or PDF of your insurance card (front + back if available). Claude vision extracts the key fields, then saves them here and as a Document Vault entry. Member ID is stored as last-4 digits only — never the full ID.',
      'ht.notes.import.dropTitle':      'Drop insurance card or click to choose',
      'ht.notes.import.dropHelp':       'PNG / JPG / WEBP / GIF / PDF · 10 MB max',
      'ht.notes.import.processing':     'Reading {{name}} — Claude vision is extracting card details…',
      'ht.notes.import.done':           'Extracted — review below · Cost: ${{cost}}',
      'ht.notes.import.review.title':   'Review extracted card',
      'ht.notes.import.review.intro':   'Confirm what was read off the card. Fields go into your Insurance Summary plus an Insurance entry in the Document Vault for renewal tracking.',
      'ht.notes.import.review.unknownIssuer': '(insurer not identified)',
      'ht.notes.import.review.network': 'Network',
      'ht.notes.import.review.coverage':'Coverage',
      'ht.notes.import.review.memberId':'Member ID',
      'ht.notes.import.review.member':  'Member',
      'ht.notes.import.review.group':   'Group',
      'ht.notes.import.review.bin':     'BIN',
      'ht.notes.import.review.pcn':     'PCN',
      'ht.notes.import.review.rxGroup': 'Rx Group',
      'ht.notes.import.review.pcp':     'PCP',
      'ht.notes.import.review.pcpPhone':'PCP phone',
      'ht.notes.import.review.csPhone': 'Customer service',
      'ht.notes.import.review.memberPhone': 'Member services',
      'ht.notes.import.review.rxPhone': 'Pharmacy help',
      'ht.notes.import.review.effective': 'Effective',
      'ht.notes.import.review.expires': 'Expires',
      'ht.notes.import.review.country': 'Issuing country',
      'ht.notes.import.review.notes':   'Notes',
      'ht.notes.import.review.privacy': 'Privacy: only the last 4 digits of the Member ID are kept. Full ID is dropped before save and never persisted.',
      'ht.notes.import.review.saveToVault': 'Also save to Document Vault (expiry tracking + renewal reminders)',
      'ht.notes.import.review.save':    'Save card details',
      'ht.notes.linkedCard':            'Linked card',
      'ht.notes.untitledCard':          'Insurance card',
      'ht.notes.expires':               'expires',
      'ht.notes.openInVault':           'Open in Vault',
      // AI-generated lab descriptions (v0.49)
      'ht.labs.info.aiGenerating':      'Generating descriptions for {{n}} new test(s)…',
      'ht.labs.info.aiGenerated':       'AI',
      'ht.labs.info.aiGenerated.help':  'AI-generated description — written by Claude when the test wasn\'t in our built-in reference library. Cross-check with your doctor.',
      'ht.labs.info.aiGenerated.done':  '✨ Added {{n}} new lab description(s) · ${{cost}}',
      // Insurance cards UI (v0.50)
      'ht.notes.cards.empty.title':     'No insurance cards on file yet',
      'ht.notes.cards.empty.body':      'Add cards manually or import via AI. Medical, dental, and vision plans each get their own card with full contact + claims detail.',
      'ht.notes.cards.addManual':       'Add card manually',
      'ht.notes.cards.add.title':       'Add insurance card',
      'ht.notes.cards.edit':            'Edit',
      'ht.notes.cards.edit.title':      'Edit insurance card',
      'ht.notes.cards.delete.confirm':  'Delete "{{label}}"? You\'ll have 10 seconds to undo.',
      'ht.notes.cards.deleted':         'Deleted "{{label}}" — 10s to undo',
      'ht.notes.cards.type.medical':       'Medical',
      'ht.notes.cards.type.dental':        'Dental',
      'ht.notes.cards.type.vision':        'Vision',
      'ht.notes.cards.type.prescription':  'Prescription',
      'ht.notes.cards.type.combined':      'Medical + Rx',
      'ht.notes.cards.type.other':         'Other',
      'ht.notes.cards.section.basics':   'Plan basics',
      'ht.notes.cards.section.coverage': 'Coverage',
      'ht.notes.cards.status.active':       'Active · {{d}}d left',
      'ht.notes.cards.status.expiringSoon': 'Expiring soon · {{d}}d',
      'ht.notes.cards.status.expired':      'Expired · {{d}}d ago',
      'ht.notes.cards.status.openEnded':    'No expiry',
      // Benefits section (v0.51)
      'ht.notes.cards.section.benefits':    'Benefits',
      'ht.notes.cards.section.svcCoverage': 'Service coverage',
      'ht.notes.cards.field.referral':         'Referral required?',
      'ht.notes.cards.field.referral.unknown': '— Not specified —',
      'ht.notes.cards.field.referral.no':      'No — no referral needed',
      'ht.notes.cards.field.referral.yes':     'Yes — PCP referral required for specialists',
      'ht.notes.cards.field.noReferral':       'No referral required',
      'ht.notes.cards.field.referralReq':      'Referral required',
      'ht.notes.cards.field.currency':         'Benefits currency',
      'ht.notes.cards.field.deductible':       'Deductible',
      'ht.notes.cards.field.deductibleIndiv':  'Deductible (individual)',
      'ht.notes.cards.field.deductibleFam':    'Deductible (family)',
      'ht.notes.cards.field.oopMax':           'Out-of-pocket Max',
      'ht.notes.cards.field.oopIndiv':         'OOP Max (individual)',
      'ht.notes.cards.field.oopFam':           'OOP Max (family)',
      'ht.notes.cards.field.individual':       'indiv',
      'ht.notes.cards.field.family':           'family',
      'ht.notes.cards.field.copay.help':       'Per-service cost share. Free-form: "$25", "Ded/80%", "100%", "20% after deductible".',
      'ht.notes.cards.svc.pcp':                'PCP visit',
      'ht.notes.cards.svc.specialist':         'Specialist',
      'ht.notes.cards.svc.urgent':             'Urgent care',
      'ht.notes.cards.svc.er':                 'ER',
      'ht.notes.cards.svc.hospital':           'Hospital (inpatient)',
      'ht.notes.cards.field.rxCoverage':       'Rx coverage',
      'ht.notes.cards.field.rxCoverage.help':  'Free-form. Capture region/network differences: "Not covered US INN/OON; International 80%".',
      'ht.notes.cards.field.benefitsNotes':    'Other benefits notes',
      'ht.notes.cards.field.benefitsNotes.help':'Anything else worth keeping — mental health, preventive care, maternity, specifics for tier 2/3 services.',
      'ht.notes.cards.section.member':   'Member',
      'ht.notes.cards.section.pharmacy': 'Pharmacy',
      'ht.notes.cards.section.pcp':      'Primary care',
      'ht.notes.cards.section.contact':  'Phone contacts',
      'ht.notes.cards.section.online':   'Online & claims',
      'ht.notes.cards.section.notes':    'Notes',
      'ht.notes.cards.field.cardType':     'Card type',
      'ht.notes.cards.field.cardType.help':'Medical, dental, vision, etc. Each type has its own card so contact info stays organized.',
      'ht.notes.cards.field.insurer':      'Insurer',
      'ht.notes.cards.field.plan':         'Plan name',
      'ht.notes.cards.field.network':      'Network',
      'ht.notes.cards.field.network.help': 'PPO, HMO, EPO, international, etc. Helps you remember in-network rules.',
      'ht.notes.cards.field.country':      'Issuing country',
      'ht.notes.cards.field.effective':    'Effective date',
      'ht.notes.cards.field.expires':      'Expiry date',
      'ht.notes.cards.field.coverageAreas':'Coverage areas',
      'ht.notes.cards.field.coverageAreas.help': 'Territories the plan covers — e.g., "Worldwide excluding USA", "US + Japan", "Japan only".',
      'ht.notes.cards.field.memberName':   'Member name',
      'ht.notes.cards.field.memberId':     'Member ID (last 4)',
      'ht.notes.cards.field.memberId.help':'Last 4 digits only — full ID stays out of the app for privacy.',
      'ht.notes.cards.field.group':        'Group / Policy #',
      'ht.notes.cards.field.bin':          'BIN',
      'ht.notes.cards.field.pcn':          'PCN',
      'ht.notes.cards.field.rxGroup':      'Rx Group',
      'ht.notes.cards.field.pcpName':      'PCP name',
      'ht.notes.cards.field.pcpPhone':     'PCP phone',
      'ht.notes.cards.field.csPhone':      'Customer service',
      'ht.notes.cards.field.memberPhone':  'Member services',
      'ht.notes.cards.field.claimsPhone':  'Claims phone',
      'ht.notes.cards.field.rxPhone':      'Pharmacy help',
      'ht.notes.cards.field.providerPhone':'Provider services',
      'ht.notes.cards.field.nursePhone':   'Nurse line / 24-7 advice',
      'ht.notes.cards.field.mhPhone':      'Behavioral health / EAP',
      'ht.notes.cards.field.emergencyPhone':'Emergency / pre-cert',
      'ht.notes.cards.field.claimsWeb':    'Claims website',
      'ht.notes.cards.field.portal':       'Member portal',
      'ht.notes.cards.field.mobileApp':    'Mobile app',
      'ht.notes.cards.field.email':        'Email contact',
      'ht.notes.cards.field.claimsAddr':   'Claims mailing address',
      'ht.notes.cards.field.claimsAddr.help': 'For paper claim submission when online isn\'t available.',

      // Vision import modal
      'ht.import.title':                'Import lab / exam from image or PDF',
      'ht.import.intro':                'Drop a lab report (PDF or photo) — Claude vision extracts vitals, lab values with reference ranges, diagnoses, and a short summary. You\'ll review the extracted data before saving.',
      'ht.import.dropTitle':            'Drop file or click to choose',
      'ht.import.dropHelp':             'PNG / JPG / WEBP / GIF / PDF · 10 MB max · single file at a time',
      'ht.import.dropOver':             '⤓ Drop to import',
      'ht.import.choose':               'Choose file',
      'ht.import.processing':           'Processing {{name}} — Claude vision is reading the lab values…',
      'ht.import.done':                 'Extracted — choose route below · Cost: ${{cost}}',
      'ht.import.intro.attach':         'Drop another document — Claude vision will extract it and merge into this exam (lab values appended, missing vitals filled in, diagnoses appended uniquely).',
      // Type selector (v0.54)
      'ht.import.type.label':           'Document type:',
      'ht.import.type.medical':         'Medical',
      'ht.import.type.dental':          'Dental',
      'ht.import.type.help':            'Auto-detected from filename — toggle if wrong.',
      // Dental costs quick actions
      'ht.dental.costs.paid':           'Paid',
      'ht.dental.costs.unpaid':         'Unpaid',
      'ht.dental.costs.reimbursed':     'Reimbursed',
      'ht.dental.costs.insSubmitted':   'Insurance submitted',
      'ht.dental.costs.insDenied':      'Insurance denied',
      'ht.dental.costs.markPaid':       'Mark paid',
      'ht.dental.costs.markUnpaid':     'Mark unpaid',
      'ht.dental.costs.submitInsurance':'Submit to insurance',
      'ht.dental.costs.markReimbursed': 'Mark reimbursed',
      'ht.dental.costs.reimbursedPrompt':'How much was reimbursed? (leave blank to mark received without amount)',
      'ht.dental.costs.editInvoice':    'Edit',

      // Auto-detect / route screen
      'ht.route.title':                 'Which exam does this belong to?',
      'ht.route.intro':                 'We checked your recent exams. If this document is from the same visit as one below, attach it — otherwise create a new exam.',
      'ht.route.preview.title':         'Extracted from this document',
      'ht.route.preview.labs':          '{{n}} lab value(s)',
      'ht.route.preview.vitals':        '{{n}} vital(s)',
      'ht.route.preview.diagnoses':     '{{n}} diagnoses',
      'ht.route.preview.kind':          'Type',
      'ht.route.candidates.title':      'Matching exams (within ±14 days)',
      'ht.route.match.strong':          'Strong match',
      'ht.route.match.likely':          'Likely match',
      'ht.route.match.possible':        'Possible match',
      'ht.route.attach.button':         'Attach to this exam',
      'ht.route.createNew.title':       'None of these — create a new exam',
      'ht.route.createNew.body':        'Start a fresh exam record with this document\'s data as the first entry.',
      'ht.route.createNew.button':      'Create new exam',
      'ht.route.noCandidates.title':    'No similar exam found within ±14 days',
      'ht.route.noCandidates.body':     'This will create a new exam record. You can attach more documents to it later from the exam\'s edit modal.',

      // Invoice vision import (v0.40)
      'ht.invoiceImport.btn':           'Import invoice (AI)',
      'ht.invoiceImport.title':         'Import invoice / receipt from image or PDF',
      'ht.invoiceImport.intro':         'Drop a medical bill, receipt, or EOB — Claude vision pulls amount, currency, date, provider, and type, then suggests which exam or care episode it belongs to (matched by date proximity + provider).',
      'ht.invoiceImport.dropTitle':     'Drop invoice or click to choose',
      'ht.invoiceImport.dropHelp':      'PNG / JPG / WEBP / GIF / PDF · 10 MB max · JPY ¥ and USD $ both supported',
      'ht.invoiceImport.chainEnrich.label': 'Auto-enrich the matched provider with public info (website, address, missing-language name)',
      'ht.invoiceImport.processing':    'Processing {{name}} — Claude vision is reading the bill…',
      'ht.invoiceImport.done':          'Extracted — pick where to attach it · Cost: ${{cost}}',
      'ht.invoiceImport.route.title':   'Where does this invoice belong?',
      'ht.invoiceImport.route.intro':   'We scored your existing exams and care episodes by date + provider. Pick a match below, or save the invoice standalone — you can always link it later.',
      'ht.invoiceImport.route.preview.title': 'Extracted from this invoice',
      'ht.invoiceImport.route.candidates.exams':    'Matching exams (within ±90 days)',
      'ht.invoiceImport.route.candidates.episodes': 'Matching care episodes',
      'ht.invoiceImport.route.attachExam':    'Attach to this exam',
      'ht.invoiceImport.route.attachEpisode': 'Attach to this episode',
      'ht.invoiceImport.route.standalone.title': 'Save as standalone invoice',
      'ht.invoiceImport.route.standalone.body':  'Not part of any visit on record yet — save the invoice on its own. You can link it to an exam or episode later from the invoice\'s edit modal.',
      'ht.invoiceImport.route.save':          'Save invoice',
      'ht.invoiceImport.route.edit':          'Edit before saving',
      'ht.invoiceImport.route.noCandidates.title': 'No close matches found',
      'ht.invoiceImport.route.noCandidates.body':  'Nothing on record within ±90 days with a matching provider or facility. Save standalone, or edit the extracted data first.',

      // Document kind labels (shown as small badges)
      'ht.doc.kind.lab_results':        'Lab results',
      'ht.doc.kind.screening_results':  'Screening',
      'ht.doc.kind.imaging':            'Imaging',
      'ht.doc.kind.office_summary':     'Office visit',
      'ht.doc.kind.pathology':          'Pathology',
      'ht.doc.kind.vaccination':        'Vaccination',
      'ht.doc.kind.other':              'Other',

      // Exam edit modal — attached documents section
      'ht.exams.docs.title':            'Attached documents',
      'ht.exams.docs.empty':            'No documents attached yet. Use AI import to drop a PDF and auto-extract; documents from the same visit can be merged into this exam.',
      'ht.exams.docs.untitled':         '(untitled)',
      'ht.exams.docs.remove':           'Remove this document',
      'ht.exams.docs.remove.confirm':   'Remove this document from the exam? The lab results and vitals already extracted will remain — only the document record (filename + summary) is removed. Continue?',
      'ht.exams.docs.attachAnother':    'Attach another document (AI)',
      'ht.exams.docs.noKey':            'Add a Claude API key in Settings to attach more documents via AI vision.',
      'ht.exams.row.docs':              'docs',

      // Exam → linked invoices section (v0.41)
      'ht.exams.invoices.title':        'Linked invoices',
      'ht.exams.invoices.empty':        'No invoices linked to this exam yet. Click "+ Add invoice" to enter one manually, or "Import invoice (AI)" to extract from a bill or pharmacy receipt.',
      'ht.exams.invoices.addManual':    'Add invoice',
      'ht.exams.invoices.import':       'Import invoice (AI)',
      'ht.exams.invoices.unpaid':       'unpaid',
      'ht.exams.invoices.lineItems':    'Line items',
      'ht.exams.invoices.medsMaterialized': '{{n}} medication(s) auto-created from this receipt',
      'ht.invoiceImport.intro.attach':  'Drop a bill or pharmacy receipt — Claude vision will extract it and attach directly to this exam. Skips the route screen since you\'ve already chosen where it belongs.',

      // Exam → linked medications (v0.42) — meds attached to this exam
      // OR sourced from any invoice linked to this exam (pharmacy
      // receipts auto-materialize their dispensed drugs as med records).
      'ht.exams.meds.title':            'Prescribed medications',
      'ht.exams.meds.empty':            'No medications linked to this exam. Pharmacy receipts imported via "Import invoice (AI)" auto-create medication records here. Or click "+ Add medication" to enter one manually.',
      'ht.exams.meds.addManual':        'Add medication',
      'ht.meds.ai':                     'AI imported',
      'ht.meds.ended':                  'ended',
      'ht.meds.startedShort':           'Started',
      'ht.meds.fromInvoice':            'From invoice',

      // Exam → episode link picker
      'ht.exams.field.episode':         'Part of care episode',
      'ht.exams.field.episode.help':    'Tie this exam to a multi-visit care episode (e.g., a colonoscopy spanning pre-consult + procedure + follow-up). Optional.',
      'ht.exams.field.episode.none':    'No episode',
      'ht.exams.field.episode.createNew': 'Create new episode…',
      'ht.meds.field.episode':          'Part of care episode',
      'ht.meds.field.episode.none':     'No episode',

      // ====================================================================
      // Care Episodes tab (v0.39)
      // ====================================================================
      'ht.episodes.title':              'Care Episodes',
      'ht.episodes.intro':              'Group multiple exams, prescriptions, and invoices that belong to a single medical event — e.g., a colonoscopy screening with pre-consult, procedure, and follow-up. Once an episode exists, attach existing exams/meds/invoices from inside the episode\'s detail view.',
      'ht.episodes.empty':              'No care episodes yet. Click "+ Add episode" to start grouping. Useful for procedures (colonoscopy), screenings (mammogram), conditions (hypertension management), pregnancy, mental health, etc.',
      'ht.episodes.add':                'Add episode',
      'ht.episodes.addTitle':           'New care episode',
      'ht.episodes.edit':               'Edit care episode',
      'ht.episodes.untitled':           '(untitled episode)',
      'ht.episodes.delete.confirm':     'Delete this episode? Attached exams/meds/invoices are detached but NOT deleted.',
      'ht.episodes.ongoing':            'ongoing',
      'ht.episodes.exams':              'exams',
      'ht.episodes.meds':               'meds',
      'ht.episodes.invoices':           'invoices',
      'ht.episodes.reimbursed':         'reimbursed',
      'ht.episodes.attachAfterSave':    'Save first — then you can attach exams, medications, and invoices from inside this episode\'s detail view.',
      'ht.episodes.field.autoFilled':   'Auto-filled',
      'ht.episodes.field.started.help.new': 'Optional — leave blank if unknown. As you attach exams and invoices, the start date will auto-update to the earliest date.',
      'ht.episodes.autofill.section':   'Auto-filled from attachments',
      'ht.episodes.autofill.body':      'These fields populate from the exams, medications, and invoices you attach below. Edit any value to override — your edit sticks; the system stops auto-filling that field.',
      'ht.episodes.create.nextSteps.title': 'Next: attach your records',
      'ht.episodes.create.nextSteps.body':  'After saving, you\'ll land in the episode\'s detail view where you can attach existing exams (lab panels, screenings, procedure notes), prescriptions, and invoices. Provider, facility, specialty, related condition, notes, and outcome will auto-populate from what you attach. The episode date range tracks the earliest and latest attached records.',
      'ht.episodes.create.saveContinue': 'Save & continue →',

      // Episode fields
      'ht.episodes.field.title':        'Episode title',
      'ht.episodes.field.title.help':   'Free-form name. Examples: "Colonoscopy 2026", "Hypertension management", "Knee surgery Jan-Apr 2027".',
      'ht.episodes.field.title.required': 'Episode title is required.',
      'ht.episodes.field.category':     'Category',
      'ht.episodes.field.status':       'Status',
      'ht.episodes.field.started':      'Started',
      'ht.episodes.field.completed':    'Completed',
      'ht.episodes.field.completed.help': 'Leave blank if episode is still active. Setting a date AND status=Completed marks it as closed.',
      'ht.episodes.field.specialty':    'Specialty',
      'ht.episodes.field.specialty.help': 'E.g., gastroenterology, cardiology, dermatology.',
      'ht.episodes.field.provider':     'Primary provider',
      'ht.episodes.field.facility':     'Primary facility / clinic',
      'ht.episodes.field.condition':    'Related condition / reason',
      'ht.episodes.field.condition.help':'E.g., "routine screening", "pylori H. positive", "Achilles tendon injury".',
      'ht.episodes.field.notes':        'Notes',
      'ht.episodes.field.outcome':      'Outcome',
      'ht.episodes.field.outcome.help': 'Recorded once episode is closed — final result, recommendations, next-screening interval, etc.',

      // Attached records panel
      'ht.episodes.attached.title':     'Attached records',
      'ht.episodes.attached.exams':     'Exams',
      'ht.episodes.attached.exams.empty':'No exams attached yet. Use the picker to attach existing exams, or open an exam and set "Part of care episode" to this one.',
      'ht.episodes.attached.exams.add': 'Attach exam(s)',
      'ht.episodes.attached.exams.open':'Open this exam',
      'ht.episodes.attached.exams.detach':'Detach from episode',
      'ht.episodes.attached.meds':      'Medications',
      'ht.episodes.attached.meds.empty':'No medications attached. Useful for tying a post-procedure prescription to the episode.',
      'ht.episodes.attached.meds.add':  'Attach medication(s)',
      'ht.episodes.attached.invoices':  'Invoices',
      'ht.episodes.attached.invoices.empty': 'No invoices attached. Add receipts/copays/billing statements to track total cost of this episode.',
      'ht.episodes.attached.invoices.add': 'Add invoice',
      'ht.episodes.cost.total':         'Total cost',
      'ht.episodes.cost.net':           'net of reimbursement',

      // Picker modals
      'ht.episodes.picker.exams.title': 'Attach exam to this episode',
      'ht.episodes.picker.exams.intro': 'Click an exam below to attach (or detach if already linked).',
      'ht.episodes.picker.exams.empty': 'No exams available. Add an exam first via Exam Details.',
      'ht.episodes.picker.meds.title':  'Attach medication to this episode',
      'ht.episodes.picker.meds.intro':  'Click a medication below to attach (or detach if already linked).',
      'ht.episodes.picker.meds.empty':  'No medications available. Add one first via Meds & Tracking.',
      'ht.episodes.picker.attach':      'Attach',
      'ht.episodes.picker.attached':    'Attached',
      'ht.episodes.picker.done':        'Done',

      // Invoices
      'ht.invoices.add':                'Add invoice',
      'ht.invoices.edit':               'Edit invoice',
      'ht.invoices.delete.confirm':     'Delete this invoice?',
      'ht.invoices.field.date':         'Date',
      'ht.invoices.field.type':         'Type',
      'ht.invoices.field.provider':     'Provider / biller',
      'ht.invoices.field.facility':     'Facility / clinic',
      'ht.invoices.field.amount':       'Amount',
      'ht.invoices.field.amount.required': 'Amount is required.',
      'ht.invoices.field.paid':         'Paid in full',
      'ht.invoices.field.notes':        'Notes',
      'ht.invoices.type.visit':         'Office visit',
      'ht.invoices.type.lab':           'Lab',
      'ht.invoices.type.procedure':     'Procedure',
      'ht.invoices.type.rx':            'Prescription',
      'ht.invoices.type.imaging':       'Imaging',
      'ht.invoices.type.er':            'ER / urgent care',
      'ht.invoices.type.dental':        'Dental',
      'ht.invoices.type.other':         'Other',
      'ht.invoices.reim.section':       'Insurance reimbursement',
      'ht.invoices.reim.status':        'Reimbursement status',
      'ht.invoices.reim.status.help':   'Track where each invoice sits in the insurance reimbursement pipeline. Action items fire for "submitted"/"pending" aged >30 days.',
      'ht.invoices.reim.amount':        'Reimbursed amount',
      'ht.invoices.reim.amount.help':   'How much you got back (or expect). Used for "net of reimbursement" rollups on episodes.',
      'ht.invoices.reim.na':            'N/A',
      'ht.invoices.reim.pending':       'Pending',
      'ht.invoices.reim.submitted':     'Submitted',
      'ht.invoices.reim.received':      'Received',
      'ht.invoices.reim.denied':        'Denied',
      // Setup banner — surfaces when sex/age not yet set
      'ht.setup.title':                 'Tell us a bit about you to filter screenings',
      'ht.setup.body':                  'The screening library currently shows every test. Set your biological sex + birth year and we\'ll hide what doesn\'t apply (e.g., Mammogram/Pap for non-female users; PSA/AAA for non-male users). Stays local; no AI required.',
      'ht.setup.sex.label':             'Biological sex',
      'ht.setup.sex.help':              'Used only by Health Tracker for screening filtering. "Prefer not to say" works too.',
      'ht.setup.sex.choose':            '— Choose —',
      'ht.setup.sex.female':            'Female',
      'ht.setup.sex.male':              'Male',
      'ht.setup.sex.other':             'Other / non-binary',
      'ht.setup.sex.private':           'Prefer not to say',
      'ht.setup.birthYear.label':       'Birth year',
      'ht.setup.birthYear.help':        'Just the year (e.g., 1980). Used for age-based filtering across modules.',
      'ht.setup.birthYear.age':         'age {{age}}',
      // Healthcare module
      'health.title':                  'Healthcare',
      'health.subtitle':               'Coverage orchestration across NHI / SHI / TRICARE / Medicare / VA FMP / 介護保険 / private US. Pulls existing health-related state from Resident, Veteran, and Document Vault; adds Medicare A/B/D tracking with the in-Japan decision math, 介護保険 enrollment, end-of-life preferences, and a monthly premium budget aggregation.',
      'health.badge':                  'HEALTH',
      'health.edit':                   'Edit',
      'health.save':                   'Save',
      'health.cancel':                 'Cancel',

      'health.section.overview':       'Coverage overview',
      'health.section.nhi':            'NHI / SHI status (Japan)',
      'health.section.private':        'Private / employer international insurance',
      'health.section.tricare':        'TRICARE',
      'health.section.fmp':            'VA Foreign Medical Program',
      'health.section.medicare':       'Medicare (Part A / B / D)',
      'health.section.ltc':            '介護保険 (Long-term care)',
      'health.section.end_of_life':    'End-of-life preferences',
      'health.section.budget':         'Monthly premium budget',
      'health.section.resources':      'Resources',

      'health.overview.primary_coverage': 'Primary medical coverage',
      'health.overview.jp_system':     'Japanese system',
      'health.overview.private_intl':  'Employer-provided international plan',
      'health.overview.nhi_active':    'JP universal health insurance',
      'health.overview.shi_active':    'Employer SHI in Japan',
      'health.overview.medicare_only_hint': 'Medicare alone — care abroad NOT covered',
      'health.overview.no_primary':    'No primary coverage logged',
      'health.overview.sofa_add_private': 'You\'re SOFA-exempt from NHI — record your employer / private plan',
      'health.overview.jp_resident_required': 'JP residents are required to enroll in NHI or SHI',
      'health.overview.jp_enrolled':   'enrolled',
      'health.overview.sofa_exempt':   'Exempt (SOFA status)',
      'health.overview.sofa_exempt_hint': 'NHI/SHI not required — SOFA agreement covers',
      'health.overview.jp_required':   'Not enrolled (required)',
      'health.overview.jp_required_hint': 'JP residents must enroll in NHI or SHI',
      'health.overview.tricare_not_for_status': 'Your status doesn\'t qualify for TRICARE',
      'health.overview.jp_coverage':   'JP coverage',
      'health.overview.no_jp':         'Not enrolled (mandatory)',
      'health.overview.na':            'N/A',
      'health.overview.tricare_eligible': 'Eligible — set plan in Veteran',
      'health.overview.medicare_due':  'Eligible / overdue',
      'health.overview.medicare_pre':  'Pre-65',
      'health.overview.ltc_paying':    'Paying premium (40+)',
      'health.overview.ltc_enrolled':  'Care level set',
      'health.overview.advance_directive': 'Advance directive',
      'health.overview.in_vault':      'In Vault',
      'health.overview.not_filed':     'Not filed',
      'health.overview.take.no_jp_coverage': 'You\'re a JP resident (non-SOFA) with no NHI/SHI on record — this is legally required and a serious gap.',
      'health.overview.take.sofa_no_private': 'You\'re SOFA-status (NHI exempt) but no private / employer plan is recorded. Add it under "Private / employer international insurance" so your coverage picture is complete.',
      'health.overview.take.medicare_b_unused': 'You\'re paying for Medicare Part B but living in Japan where it doesn\'t cover care. Worth deciding whether to keep it (creditable coverage value) or drop it (saves ~$2,400/yr but late-enrollment penalty applies if you re-enroll later).',
      'health.overview.take.medicare_decision': 'You\'re 64+ — Medicare enrollment window opens 3 months before your 65th birthday and stays open 3 months after. Don\'t miss it; late enrollment penalty is for life.',
      'health.overview.take.advance_directive': 'No advance directive on file. Especially important for cross-border families — US and JP medical teams have different defaults.',

      'health.nhi.edit_in_resident':   'Edit in Resident',
      'health.nhi.status_label':       'NHI status',
      'health.nhi.enrolled':           'Enrolled',
      'health.nhi.not_enrolled':       'Not enrolled',
      'health.nhi.exempt_label':       'Exempt — SOFA status',
      'health.nhi.exempt_body':        'Per the US-Japan Status of Forces Agreement, SOFA-status individuals are NOT required to enroll in NHI or SHI. Coverage typically comes through US military health system (active duty), employer-provided international insurance (CIGNA International, Aetna International, FEHB for civilians), or US-employer plans (contractors).',
      'health.nhi.required_body':      'Mandatory under JP law for non-SOFA residents. Enroll at city hall (市役所/区役所) — bring residence card. Premium based on prior-year income. Without coverage you\'re paying full price for any medical care AND legally non-compliant.',
      'health.nhi.see_private_card':   'Record your actual coverage (employer plan, etc.) in the "Private / employer international insurance" section below so your healthcare picture is complete.',
      'health.nhi.assessment':         'Prior-year premium assessment',
      'health.nhi.point.universal':    'NHI (国民健康保険) is mandatory for JP residents not covered by employer SHI. Enroll at city hall (市役所/区役所).',
      'health.nhi.point.30pct_copay':  'Standard 30% copay; reduced for elderly (10-20%) and children (often 0% with municipal subsidy).',
      'health.nhi.point.high_cost_subsidy': '高額療養費 — out-of-pocket capped at ~¥80K/mo for typical earners; covers catastrophic medical events.',
      'health.nhi.point.shi_alternative': 'Employer SHI (社会保険) replaces NHI when employed. Premium split with employer; covers dependents.',
      'health.nhi.point.sofa_exception': 'SOFA-status individuals (active military, DoD civilians, contractors) are exempt — covered by US military health system instead.',

      'health.private.intro':          'Employer-provided international plans (CIGNA International, Aetna International, GeoBlue, etc.), FEHB for federal civilians, or US-employer plans for contractors and US-company expats. SOFA-exempt users typically use one of these as their primary coverage.',
      'health.private.expected_not_set': 'Expected based on your employment but not recorded',
      'health.private.none':           'None / not applicable',
      'health.private.premium':        'Monthly premium',
      'health.private.employer_fully': 'Employer pays in full',
      'health.private.employer_partial': 'Employer pays partially',
      'health.private.self_pay':       'Self-pay',
      'health.private.point.cigna_global': 'CIGNA International + Aetna International are the most common DoD-contractor and US-company-expat plans in Japan. Both have JP provider networks and direct billing at major hospitals.',
      'health.private.point.coordinate_with_jp': 'These plans don\'t coordinate with NHI/SHI — but as SOFA-exempt you usually wouldn\'t have NHI anyway. Some major Tokyo hospitals (St. Luke\'s, Tokyo Midtown) bill the international carriers directly.',
      'health.private.point.no_jp_coverage_substitute': 'For non-SOFA users (regular work-visa holders): private international insurance does NOT exempt you from NHI/SHI enrollment. JP law still requires you to enroll if you\'re a resident.',
      'health.private.point.dependent_coverage': 'Most plans cover dependents (spouse + children). Verify dependent termination ages — typically 19-26 depending on student status, similar to TRICARE.',
      'health.private.point.transition_planning': 'When you change jobs, retire, or leave Japan, this coverage often ends abruptly. Plan: COBRA-equivalent (rare overseas), private continuation plan, or transition to NHI/SHI before the gap.',
      'health.private.plan_type':      'Plan type',
      'health.private.custom_name':    'Plan name',
      'health.private.premium_usd':    'Monthly premium ($)',
      'health.private.premium_usd.help': 'Leave blank if your plan bills in JPY. Both columns appear in the budget aggregation.',
      'health.private.premium_jpy':    'Monthly premium (¥)',
      'health.private.premium_jpy.help': 'Leave blank if your plan bills in USD.',
      'health.private.employer_paid_label': 'Who pays the premium',
      'health.private.notes':          'Notes',
      'health.private.notes.help':     'Plan number, deductible, network coverage in Japan, dependent end-dates, anything else useful.',
      'health.modal.private':          'Edit private / employer health coverage',

      'health.tricare.edit_in_veteran': 'Edit in Veteran',
      'health.tricare.current_plan':   'Current plan',
      'health.tricare.eligible_no_plan': 'Eligible (no plan recorded)',
      'health.tricare.not_set':        'Not set',
      'health.tricare.point.overseas_works': 'TRICARE Overseas Program (TOP) covers active-duty / family in Japan. Mostly cashless at participating providers in major cities.',
      'health.tricare.point.tfl':      'TRICARE for Life (TFL) wraps around Medicare for retirees 65+. You MUST enroll in Medicare A+B to keep TFL — declining Part B = losing TFL.',
      'health.tricare.point.dependent_age_out': 'Dependent coverage ends at 21 (23 if full-time student). Plan TRICARE Young Adult ($299-$719/mo) or private replacement BEFORE the birthday.',
      'health.tricare.point.cash_pay_then_claim': 'Many JP providers don\'t bill TRICARE directly — pay cash, save receipts, file claims with the TOP claims processor for reimbursement.',
      'health.tricare.point.no_jp_coordination': 'TRICARE doesn\'t coordinate with NHI/SHI. If you have both (e.g., retiree with NHI), you choose which to use case-by-case.',

      'health.fmp.enrolled':           'Enrolled in VA FMP',
      'health.fmp.not_enrolled':       'Not enrolled',
      'health.fmp.disability_rating':  'VA disability rating',
      'health.fmp.point.sc_only':      'FMP only covers care for SERVICE-CONNECTED conditions. Non-SC care is your problem.',
      'health.fmp.point.reimbursement': 'You pay providers up front; submit claims via VA FMP for reimbursement. Allow 60-90 days.',
      'health.fmp.point.preauth':      'Inpatient + non-emergency surgical care needs preauthorization. Emergency care is reimbursed without preauth (file ASAP after).',
      'health.fmp.point.no_iu':        'IU/TDIU veterans rated 100% can use VA FMP same as 100% SC; sub-100% can only use it for SC conditions.',

      'health.medicare.reality_label': 'Medicare in Japan: a paid-for-but-unused service?',
      'health.medicare.reality_body':  'Medicare doesn\'t cover medical care abroad (with narrow exceptions). Yet Part B premium ($' + 195 + '+/mo in 2026) is owed in full whether you use it or not. The question: keep it as creditable coverage / for future repatriation, or drop it and save ~$2,400/yr? The answer is asymmetric — late-enrollment penalty (10% per 12 months delayed, FOR LIFE) makes re-enrollment expensive. Document your decision and revisit annually.',
      'health.medicare.enrolled':      'Enrolled',
      'health.medicare.not_enrolled':  'Not enrolled',
      'health.medicare.part_a_hint':   'Hospital insurance — usually free if you have 40+ work credits. Keep it.',
      'health.medicare.part_b_hint':   'Outpatient — paid premium; care abroad NOT covered.',
      'health.medicare.part_d_hint':   'Prescription drug — only useful if filling Rx in US.',
      'health.medicare.enrolled_a':    'Enrolled in Part A (hospital)',
      'health.medicare.enrolled_b':    'Enrolled in Part B (outpatient)',
      'health.medicare.enrolled_d':    'Enrolled in Part D (prescription)',
      'health.medicare.part_b_premium': 'Part B premium (USD/month)',
      'health.medicare.part_b_premium.help': 'Defaults to ~$' + 195 + '/mo for 2026; higher if IRMAA tier applies (high earners pay surcharges). Find your actual premium on your SSA statement.',
      'health.medicare.decision_select': 'Part B decision',
      'health.medicare.decision.enrolled':  'Enrolled',
      'health.medicare.decision.declined':  'Declined / dropping',
      'health.medicare.decision.undecided': 'Undecided — revisit annually',
      'health.medicare.decision_notes': 'Decision notes',
      'health.medicare.decision_notes.help': 'Document WHY for future-you. Common reasons to keep Part B: TRICARE for Life requires it, may repatriate to US, want creditable coverage to avoid penalty. Common reasons to drop: paying $2,400+/yr for nothing, NHI + Japan medical coverage is sufficient.',
      'health.medicare.decision_label': 'Quick decision framework:',
      'health.medicare.decision.point1': 'Are you a TRICARE retiree planning to use TFL? → KEEP Part B (required for TFL).',
      'health.medicare.decision.point2': 'Are you 100% certain you\'ll never live in the US again? → DROP Part B is reasonable.',
      'health.medicare.decision.point3': 'Are you on the fence / might repatriate? → KEEP Part B is the safer asymmetric bet.',
      'health.medicare.decision.point4': 'Are you in IRMAA tier (high income)? → Math gets worse; specialist worth consulting.',
      'health.medicare.your_notes':     'Your notes',
      'health.modal.medicare':          'Edit Medicare enrollment + decision',

      'health.ltc.age_years':           'years old',
      'health.ltc.care_level':          'Care level',
      'health.ltc.no_care_level':       'No care level (paying premiums only)',
      'health.ltc.care_level.help':     'Set if a care level has been formally assigned by the municipality (eligibility assessed by 介護認定審査会). Most adults under 65 have premiums but no care level.',
      'health.ltc.paying_premiums':     'Paying premiums (no formal care level)',
      'health.ltc.should_be_paying':    'Should be paying premium (40+ in Japan)',
      'health.ltc.not_yet_eligible':    'Not yet age-eligible',
      'health.ltc.monthly_premium':     'Monthly premium (¥)',
      'health.ltc.monthly_premium.help': 'Auto-deducted via NHI / SHI. Find on your most recent NHI assessment notice (税額決定通知書).',
      'health.ltc.strategy_notes':      'Funding strategy / notes',
      'health.ltc.strategy_notes.help': 'How will you fund care if you eventually need 要介護3+? Family caregiving + JP system covers a lot but not everything.',
      'health.ltc.your_strategy':       'Your funding strategy',
      'health.ltc.point.mandatory':     'Mandatory at age 40+ for all JP residents — premium auto-deducted via NHI / SHI.',
      'health.ltc.point.7_levels':      'Seven care levels: 要支援1-2 (lighter support), 要介護1-5 (heavier care). Level assigned by municipal 介護認定審査会 after assessment.',
      'health.ltc.point.copay':         '10% copay for services (20% for higher-income); no copay for poverty-level enrollees.',
      'health.ltc.point.us_long_term_care_separate': 'US long-term care insurance is a SEPARATE private market. Most JP-resident US persons skip it given JP\'s universal system.',
      'health.ltc.point.bridge_planning': 'JP system covers care but not full lifestyle costs (food, rent, family support). Plan a bridge fund for what 介護保険 doesn\'t cover.',
      'health.modal.ltc':               'Edit 介護保険',

      'health.eol.advance_directive':   'Advance directive (生前指示書 / リビング・ウィル)',
      'health.eol.medical_poa':         'Medical POA (健康代理人)',
      'health.eol.add_to_vault':        'Manage in Vault',
      'health.eol.organ_donor_us':      'Organ donor (US registry)',
      'health.eol.organ_donor_jp':      'Organ donor (JP donor card)',
      'health.eol.dnr':                 'DNR preference',
      'health.eol.dnr.yes':             'DNR — no resuscitation',
      'health.eol.dnr.no':              'Full resuscitation',
      'health.eol.dnr.limited':         'Limited (intubation but no compressions, etc.)',
      'health.eol.dnr.help':            'Discuss with your physician + family. Codify in a medical advance directive AND make sure your medical POA knows.',
      'health.eol.funeral_notes':       'Funeral wishes',
      'health.modal.eol':               'Edit end-of-life preferences',

      'health.budget.intro':            'Aggregated monthly premiums across all health insurance you pay. Pulls from 介護保険 + Medicare cards automatically; enter NHI / SHI / TRICARE / private separately.',
      'health.budget.intro_prefix':     'Aggregated monthly premiums across the plans that apply to you:',
      'health.budget.line.private':     'Private intl',
      'health.budget.line.private_us':  'Other (dental, vision, etc.)',
      'health.budget.private_link':     'Private / employer international premium is recorded in the "Private / employer international insurance" card above — it flows into this budget automatically.',
      'health.budget.empty':            'No premiums recorded yet. Click Edit to enter your monthly amounts.',
      'health.budget.total_monthly':    'Total monthly',
      'health.budget.total_annual':     'Annualized',
      'health.budget.modal_help':       'Enter your actual current premiums in the right currency. Only fields relevant to your situation appear. Both columns appear in the summary; FX conversion uses your current Treasury rate.',
      'health.modal.budget':            'Edit healthcare budget',

      'health.resources.medicare.title': 'Medicare.gov — official US Medicare site',
      'health.resources.medicare.body':  'Enrollment, plan comparison, IRMAA tiers, late-enrollment penalty rules.',
      'health.resources.tricare_overseas.title': 'TRICARE Overseas Program',
      'health.resources.tricare_overseas.body':  'Plans available outside the US. Active-duty / retiree options + claims process.',
      'health.resources.fmp.title':     'VA Foreign Medical Program',
      'health.resources.fmp.body':      'Service-connected disability care abroad — reimbursement, preauth, claim form (VA Form 10-7959f).',
      'health.resources.mhlw.title':    'Ministry of Health, Labour & Welfare (厚生労働省)',
      'health.resources.mhlw.body':     'Official JP health policy. NHI rules, 高額療養費 thresholds, 介護保険 program details.',
      'health.resources.ltc.title':     '介護保険 — official MHLW overview',
      'health.resources.ltc.body':      'How long-term care works in Japan: enrollment, care levels, services covered, copays.',
      'health.resources.cigna_intl.title': 'CIGNA Global / International',
      'health.resources.cigna_intl.body':  'Member portal, claim submission, JP provider directory. Common for DoD contractors and US-company expats in Japan.',
      'health.resources.aetna_intl.title': 'Aetna International',
      'health.resources.aetna_intl.body':  'Member portal, claim submission, network finder. Aetna International is the other major US-based intl plan for Japan-based employees.',
      'health.resources.fehb.title':    'FEHB — Federal Employees Health Benefits',
      'health.resources.fehb.body':     'OPM portal for federal civilian employees + retirees. Plan comparison, open season, overseas coverage rules.',
      'health.resources.none_applicable': 'No external resources match your current setup. Enable resources via Customize, or update your onboarding / employment / coverage data to surface relevant links.',

      // Net Worth & Reports module
      'nw.title':                      'Net Worth & Reports',
      'nw.subtitle':                   'The temporal layer over Assets. Snapshot your balances over time, see net worth chart with USD/JPY toggle, run year-over-year comparisons, walk through the annual review wizard, and export year-end reports bundling tax package + assets + estate state.',
      'nw.badge':                      'NET WORTH',
      'nw.cancel':                     'Cancel',

      'nw.section.snapshot':           'Latest snapshot',
      'nw.section.chart':              'Net worth chart',
      'nw.section.yoy':                'Year-over-year comparison',
      'nw.section.history':            'Snapshot history',
      'nw.section.review':             'Annual review',
      'nw.section.report':             'Annual report exporter',
      'nw.section.preferences':        'Preferences',

      'nw.snapshot.take_now':          'Snapshot now',
      'nw.snapshot.empty':             'No snapshots yet. Click "Snapshot now" to capture current balances. Snapshots are how the chart shows growth over time.',
      'nw.snapshot.latest_value':      'Latest value',
      'nw.snapshot.delta_from_prev':   'Change from prior',
      'nw.snapshot.days_since':        'Days since',
      'nw.snapshot.consider_new':      'Consider taking a fresh snapshot',
      'nw.snapshot.total_count':       'Total snapshots',
      'nw.snapshot.need_more_for_chart': 'Need 2+ snapshots for chart',
      'nw.snapshot.modal_title':       'Take a net-worth snapshot',
      'nw.snapshot.modal_help':        'Captures total balances + per-account state at this moment. Stored locally; no upload.',
      'nw.snapshot.label':             'Label',
      'nw.snapshot.label_help':        'Short label like "Q1 2026", "After bonus", "Pre-conversion". Defaults to today\'s date.',
      'nw.snapshot.take':              'Take snapshot',

      'nw.chart.range.all':            'All',
      'nw.chart.need_more':            'Need at least 2 snapshots to render the chart. Take snapshots over time to see growth.',

      'nw.yoy.intro':                  'Compares your latest snapshot against snapshots from 90 days, 1 year, 3 years, and 5 years ago. Picks the closest snapshot within ±60 days of each target date.',
      'nw.yoy.need_more':              'Need at least 2 snapshots for comparison.',
      'nw.yoy.no_matches':             'No snapshots near any of the comparison dates. Take more snapshots over time.',
      'nw.yoy.period.90d':             '90 days ago',
      'nw.yoy.period.1y':              '1 year ago',
      'nw.yoy.period.3y':              '3 years ago',
      'nw.yoy.period.5y':              '5 years ago',
      'nw.yoy.allocation_drift':       'Allocation drift (earliest → latest)',

      'nw.history.empty':              'No snapshots yet.',
      'nw.history.accounts':           'accounts',
      'nw.history.confirm_delete':     'Delete this snapshot?',

      'nw.review.start':               'Start year-end checkup',
      'nw.review.intro':               'A 12-step guided checkup that performs the work inline — refreshes FX rates, takes a year-end net-worth snapshot, runs the PFIC scanner, checks your FBAR threshold, surveys family passport expiries, and generates a downloadable year-end report. ~15 minutes.',
      // Year-End Checkup wizard (v2)
      'nw.review2.modal_title':         'Year-end checkup',
      'nw.review2.modal_intro':         'A guided walk through your modules. Each step has a "Run now" button that performs the action inline (no need to bounce around). Use ✓ Next to confirm a step that needs no action; Skip if you don\'t want this step counted.',
      'nw.review2.step_label':          'Step {{current}} of {{total}}',
      'nw.review2.open_module':         'Open this module in a new view',
      'nw.review2.btn.run_now':         'Run now',
      'nw.review2.btn.running':         'Working…',
      'nw.review2.btn.next':            'Confirmed',
      'nw.review2.btn.skip':            'Skip',
      'nw.review2.btn.complete':        'Finish checkup',
      'nw.review2.complete_title':      'Year-end checkup complete',
      'nw.review2.complete_body':       'A year-end report has been downloaded (if Step 12 ran). Click Finish to log this checkup; the dashboard will surface action items derived from each step\'s result.',
      'nw.review2.notes_label':         'Notes (optional)',
      'nw.review2.notes_placeholder':   'Anything significant this year? Major life event, big income change, plans for next year…',

      'nw.review2.step.fx_refresh.title':     'Refresh FX rates',
      'nw.review2.step.fx_refresh.body':      'Fetches the current Treasury year-end rates (used for FBAR) and live spot rates (used for FX module + projections). One click; no auth required.',
      'nw.review2.step.snapshot.title':       'Take year-end net-worth snapshot',
      'nw.review2.step.snapshot.body':        'Locks in your current portfolio total as a year-end record. Drives the chart and the year-over-year deltas in the Reports section.',
      'nw.review2.step.asset_balances.title': 'Update active asset balances',
      'nw.review2.step.asset_balances.body':  'Year-end balances drive FBAR aggregation, 8938 thresholds, and your snapshot accuracy. Open Assets to update any account whose balance is >90 days old.',
      'nw.review2.step.pfic_scan.title':      'Re-scan for PFIC drift',
      'nw.review2.step.pfic_scan.body':       'Scans your Assets for likely 投資信託 / 学資保険 / NISA holdings. PFICs trigger Form 8621 with punitive default tax — catching new ones early matters.',
      'nw.review2.step.fbar_threshold.title': 'FBAR threshold check',
      'nw.review2.step.fbar_threshold.body':  'Aggregates your foreign-account balances. $10,000 peak at any point in the year requires an FBAR (FinCEN 114) — a single transfer can trigger it, so always re-check after year-end.',
      'nw.review2.step.family.title':         'Family + passport refresh',
      'nw.review2.step.family.body':          'Surfaces passports expiring in the next 12 months, gift-log gaps for the year, and dual-citizen kids approaching the age-20 国籍選択 deadline.',
      'nw.review2.step.property.title':       'Property review',
      'nw.review2.step.property.body':        'JP固定資産税 timing for the upcoming year, US §121 5-year clock if you have a former-primary rental, and any new acquisition tax obligations.',
      'nw.review2.step.healthcare.title':     'Healthcare review',
      'nw.review2.step.healthcare.body':      'Medicare IEP detection if you\'re approaching 65, premium changes for the new year, private international insurance renewal timing.',
      'nw.review2.step.tax_docs.title':       'Tax document gathering',
      'nw.review2.step.tax_docs.body':        'Confirms which 1040/2555/1116/8938/8621/FBAR documents you have in the Vault vs still need to gather. Cross-references the Tax Coordinator checklist.',
      'nw.review2.step.consultations.title':  'Consultations refresh',
      'nw.review2.step.consultations.body':   'Log any CPA / 税理士 / advisor meetings since your last review. Plan upcoming Q1 sessions before tax season hits.',
      'nw.review2.step.spouse_handoff.title': 'Refresh spouse / survivor handoff',
      'nw.review2.step.spouse_handoff.body':  'Regenerate the spouse handoff package + survivor binder so they reflect this year\'s changes. Critical if anyone in the household will need to step in unexpectedly.',
      'nw.review2.step.report.title':         'Generate year-end report',
      'nw.review2.step.report.body':          'Downloads a Markdown bundle of your full Taigan Bridge state — executive summary, asset inventory, tax filing context, estate snapshot, family roster, action items. Useful for CPA review, year-end archive, or sharing with spouse / advisor.',
      'nw.review.never':               'No annual review on record. Click "Start review" to walk through your modules.',
      'nw.review.last':                'Last review',
      'nw.review.modal_title':         'Annual Review',
      'nw.review.step_label':          'Step {{current}} of {{total}}',
      'nw.review.open_module':         'Open this module in a new view',
      'nw.review.btn.confirmed':       'No changes',
      'nw.review.btn.updated':         'Updated it',
      'nw.review.btn.skip':            'Skip',
      'nw.review.complete_title':      'Review complete',
      'nw.review.complete_body':       'Add any general notes about this year, then click Complete. We\'ll log the review + take a fresh snapshot to mark the moment.',
      'nw.review.notes_label':         'Notes (optional)',
      'nw.review.notes_placeholder':   'Anything significant this year? Major life event, big income change, plans for next year…',
      'nw.review.btn.complete':        'Complete review',
      'nw.review.snapshot_label':      'Annual review',

      'nw.review.step.profile.title':    'Profile & onboarding',
      'nw.review.step.profile.body':     'Display name, citizenship, residency, employment, veteran status — anything moved? Re-run onboarding from Settings if material life events occurred.',
      'nw.review.step.family.title':     'Family roster',
      'nw.review.step.family.body':      'Births, deaths, marriages, divorces, citizenship changes, passport renewals. Add or update members in Family.',
      'nw.review.step.assets.title':     'Asset balances',
      'nw.review.step.assets.body':      'Update balances on each account. New accounts opened? Closed? Wrappers changed? FBAR-relevant accounts flagged correctly?',
      'nw.review.step.beneficiaries.title': 'Beneficiary review',
      'nw.review.step.beneficiaries.body':  'For each retirement account + life insurance + JP bank: is the named beneficiary still correct? After divorce / marriage / birth — review immediately.',
      'nw.review.step.tax.title':        'Tax filing status',
      'nw.review.step.tax.body':         'FEIE vs FTC working as intended? Filing status (single / MFJ / MFS) still right? Estimated tax payments on track? Preparer relationship in place?',
      'nw.review.step.will.title':       'Will & POA',
      'nw.review.step.will.body':        'Read both wills (if you have a US + JP set). Anything no longer reflective? Executor still appropriate? POA + advance directive on file?',
      'nw.review.step.docs.title':       'Document Vault',
      'nw.review.step.docs.body':        'Anything expired or expiring soon? Passport renewals? Visa? New documents to add (latest 1040, 確定申告, FBAR confirmation, etc.)?',

      'nw.report.generate':            'Generate annual report',
      'nw.report.intro':               'Bundles your full Taigan Bridge state into a single Markdown document — executive summary, asset inventory, tax filing context, estate snapshot, family roster, action items, snapshot history. Useful for CPA review, year-end archive, or sharing with spouse / advisor.',
      'nw.report.last_generated':      'Last generated',

      'nw.prefs.auto_fbar':            'Auto-snapshot when FBAR data changes',
      'nw.prefs.auto_fbar.help':       'Automatically take a net-worth snapshot whenever you finish an FBAR upload. Recommended.',
      'nw.prefs.auto_year_end':        'Year-end snapshot reminder',
      'nw.prefs.auto_year_end.help':   'Surface an Action Center reminder in late December / early January to take a year-end snapshot.',

      // Ask Taigan AI assistant
      'ask.title':                     'Ask Taigan',
      'ask.subtitle':                  'AI assistant that knows your full Taigan Bridge state. Ask anything specific to YOUR situation — applicable forms this year, how a Roth conversion interacts with your 住民票 timing, what your heirs would owe, whether the §6013(g) election makes sense for your spouse. Each chat injects a digest of your data so answers are grounded, not generic.',
      'ask.no_key_warning':            'You haven\'t set a Claude API key yet — Ask Taigan needs one to work.',
      'ask.go_to_settings':            'Open Settings',

      'ask.how_to_use':                'How to use',
      'ask.how_intro':                 'Taigan reads your full state every time you ask a question — it knows your roster, accounts, tracks, action items, gift history, will status, projection inputs, and more. Three things to know:',
      'ask.what_knows.title':          'What Taigan knows',
      'ask.what_knows.body':           'Your tracks, family roster (names + ages + citizenships), Asset totals + situs, FBAR summary (no PII), top action items, will / POA presence, gift log within the 7y clawback window, projection assumptions, residency status + 10-year clock, vet status, applicable tax forms.',
      'ask.what_ask.title':            'Best things to ask',
      'ask.what_ask.body':             'Cross-cutting questions that span modules ("how does X interact with Y?"), upcoming-deadline reminders, scenario reasoning ("what if I…?"), checklists for situations you haven\'t hit yet, plain-English explanations of Japanese terms in your context.',
      'ask.what_cant.title':           'What it can\'t do',
      'ask.what_cant.body':            'Give legal/tax/investment advice (it\'ll tell you to consult a CPA / 税理士 / lawyer). Take actions on your behalf — it just answers. Read external documents (use Document Vault\'s vision extractor for that). Know rules that aren\'t in the digest.',

      'ask.suggested_label':           'Suggested questions (click to use):',
      'ask.conversations':             'Conversations',
      'ask.conversations_count':       'saved',
      'ask.new_conversation':          'New',
      'ask.show_all':                  'Show all',
      'ask.messages':                  'messages',
      'ask.confirm_delete':            'Delete this conversation?',
      'ask.start_chatting':            'Start chatting — your messages and Taigan\'s replies appear here.',
      'ask.input_placeholder':         'Ask anything about your Taigan Bridge data…',
      'ask.send':                      'Send',
      'ask.send_hint':                 'Press ⌘/Ctrl + Enter to send. Each turn re-reads your current state, so updates anywhere in the app become available immediately.',
      'ask.thinking':                  'Taigan is thinking…',
      'ask.no_key_alert':              'Set your Claude API key in Settings first.',

      'ask.privacy_title':             'Privacy & disclaimer',
      'ask.privacy_body':              'A few things to know about how Ask Taigan handles your data:',
      'ask.privacy.point1':            'Your Taigan Bridge state never leaves your browser EXCEPT when you ask Taigan a question — at that point a markdown digest of your state + your message + the conversation history is sent to Anthropic\'s API using YOUR API key.',
      'ask.privacy.point2':            'The digest is curated for relevance and conciseness. FBAR account numbers, full balances per account, and full document content are NOT sent. (FBAR ai-summary helper omits PII; document vault content stays local.)',
      'ask.privacy.point3':            'Anthropic\'s data handling policies apply. As of this writing, API requests are not used to train Anthropic models by default, but check anthropic.com/legal for current terms.',
      'ask.privacy.point4':            'This is informational guidance. NOT legal, tax, immigration, or investment advice. For decisions with money or legal consequences, consult the right specialist (CPA, 税理士, lawyer, immigration attorney, etc.).',

      // Customize panel (per-module section visibility)
      'customize.title':               'Customize sections',
      'customize.intro':                'Override which sections appear. "Auto" follows your onboarding answers; "Show" forces a section to appear (useful for exploring topics you didn\'t indicate at onboarding); "Hide" suppresses sections you don\'t want to see.',
      'customize.auto':                 'auto',
      'customize.shown':                'shown',
      'customize.hidden':               'hidden',
      'customize.opt.auto':             'Auto',
      'customize.opt.on':               'Show',
      'customize.opt.off':              'Hide',
      'customize.reset':                '↺ Reset all to Auto',

      // Estate / Cross-Border Succession module
      'estate.title':                  'Estate & Cross-Border Succession',
      'estate.subtitle':               'Death/incapacity orchestration. Auto-derives statutory heirs from your Family roster (Civil Code §887, §889, §890), computes JP 相続税 exposure using actual brackets and 配偶者控除, surfaces beneficiary gaps from Assets, tracks wills/POAs in your Document Vault, and generates a Letter of Instruction stitching everything together.',
      'estate.badge':                  'ESTATE',
      'estate.edit':                   'Edit',
      'estate.save':                   'Save',
      'estate.cancel':                 'Cancel',

      'estate.section.overview':       'Estate readiness',
      'estate.section.heirs':          '法定相続人 (Statutory heirs)',
      'estate.section.jp_tax':         'JP 相続税 estimate',
      'estate.section.situs':          'Asset situs analysis',
      'estate.section.beneficiaries':  'Beneficiary review',
      'estate.section.will_tracker':   'Will & legal documents',
      'estate.section.dual_will':      'Dual-will strategy (US + JP)',
      'estate.section.koseki':         '戸籍 trail (foreigner-specific)',
      'estate.section.probate_avoid':  'Probate-avoidance toolkit',
      'estate.section.secondary':      '二次相続 (secondary inheritance)',
      'estate.section.loi':            'Letter of Instruction',
      'estate.section.assumptions':    'JP inheritance assumptions',
      'estate.section.resources':      'Resources',

      'estate.overview.heirs':         'Statutory heirs',
      'estate.overview.heirs_hint':    'auto-derived from Family roster',
      'estate.overview.no_heirs_hint': 'add Family members to derive heirs',
      'estate.overview.will':          'Will status',
      'estate.overview.dual_wills':    'US + JP both',
      'estate.overview.partial_wills': 'Partial / single',
      'estate.overview.no_will':       'None on file',
      'estate.overview.ben_gaps':      'Beneficiary gaps',
      'estate.overview.ben_gaps_hint': 'accounts needing review',
      'estate.overview.ben_gaps_clean': 'all reviewed',
      'estate.overview.jp_tax':        'JP 相続税 estimate',
      'estate.overview.below_threshold': 'below taxable threshold',

      'estate.checklist.heirs':         'Statutory heirs identified (Family roster populated)',
      'estate.checklist.will':          'At least one will in Document Vault',
      'estate.checklist.dual_will':     'Both US and JP wills tagged in Document Vault',
      'estate.checklist.poa':           'Power of Attorney on file',
      'estate.checklist.advance':       'Advance Directive / Living Will on file',
      'estate.checklist.beneficiaries': 'All account beneficiaries reviewed',
      'estate.checklist.loi':           'Letter of Instruction generated',

      'estate.heirs.intro':            'Computed from your Family roster per Japanese Civil Code §887, §889, §890. The priority order: (1) descendants — children, then grandchildren via 代襲, (2) ascendants — parents, only if no descendants, (3) siblings — only if no descendants and no ascendants. The spouse always inherits if alive. Shares: spouse + descendants 1/2 each, spouse + ascendants 2/3 + 1/3, spouse + siblings 3/4 + 1/4.',
      'estate.heirs.no_heirs_label':   'No statutory heirs identified',
      'estate.heirs.no_heirs_body':    'Without statutory heirs, the estate defaults to JP state (国庫帰属) — unless your will specifies otherwise. Add at least one family member to enable heir math, or rely entirely on your will + named beneficiaries.',
      'estate.heirs.add_family_link':  'Add family members in Family →',
      'estate.heirs.priority_class':   'Priority class joining spouse',
      'estate.heirs.rank.descendants': '第1順位 (descendants)',
      'estate.heirs.rank.ascendants':  '第2順位 (ascendants — parents)',
      'estate.heirs.rank.siblings':    '第3順位 (siblings)',
      'estate.heirs.rank.spouse_only': 'Spouse only (no other class)',
      'estate.heirs.role.spouse':      'Spouse (配偶者)',
      'estate.heirs.role.child':       'Child (子)',
      'estate.heirs.role.parent':      'Parent (親)',
      'estate.heirs.role.sibling':     'Sibling (兄弟姉妹)',
      'estate.heirs.code_ref':         'Civil Code §887 (descendants), §889 (ascendants and siblings), §890 (spouse), §900 (statutory shares).',

      'estate.jp_tax.intro':           'Live computation using current brackets, your asset situs, and the 配偶者控除. Estimates only — actual filing requires a 税理士 within 10 months of death.',
      'estate.jp_tax.pr_active':       'You\'re in 永住者 status ({{years}}y resident) — JP estate tax applies to your WORLDWIDE assets, not just JP-situs.',
      'estate.jp_tax.pre_pr':          'You\'re in 非永住者 status ({{years}}y resident; {{remaining}}y until 永住者). Currently only JP-situs assets are taxable.',
      'estate.jp_tax.gross':           'Gross estate (in scope)',
      'estate.jp_tax.shotaku':         '小規模宅地等の特例 (residential land 80% reduction)',
      'estate.jp_tax.clawback':        '7y clawback (gifts to heirs added back)',
      'estate.jp_tax.base_deduction':  'Base deduction (¥30M + ¥6M × heirs)',
      'estate.jp_tax.taxable_estate':  'Taxable estate',
      'estate.jp_tax.total_tax':       'Total tax (before spouse credit)',
      'estate.jp_tax.spouse_credit':   '配偶者控除',
      'estate.jp_tax.net':             'Net estate tax owed',
      'estate.jp_tax.per_heir_label':  'Per-heir breakdown',

      'estate.situs.intro':            'Each account from your Asset tracker categorized by jurisdiction. JP estate tax scope: JP-situs always; worldwide once you cross 永住者 (year 6+).',
      'estate.situs.jp':               'JP-situs',
      'estate.situs.us':               'US-situs',
      'estate.situs.total':            'Total',
      'estate.situs.jp_taxable':       'JP-taxable estate',
      'estate.situs.per_account_label': 'Per-account breakdown',

      'estate.beneficiaries.intro':    'Per-account beneficiary tracking. Pulls beneficiary strings from your Asset records and lets you add primary/contingent + last-reviewed dates here. Common gaps: 401(k)/TSP without contingent, IRAs left to "estate" instead of named persons, JP banks with no 受取人.',
      'estate.beneficiaries.empty':    'No accounts in Asset tracker. Add accounts in Assets to enable beneficiary tracking.',
      'estate.beneficiaries.gap.none':    '○ No beneficiary',
      'estate.beneficiaries.gap.never':   '○ Never reviewed',
      'estate.beneficiaries.gap.stale':   '⚠ Review stale (>2y)',
      'estate.beneficiaries.primary':     'Primary',
      'estate.beneficiaries.contingent':  'Contingent',
      'estate.beneficiaries.last_reviewed': 'Last reviewed',
      'estate.beneficiaries.notes':       'Notes',
      'estate.beneficiaries.edit':        'Review',
      'estate.modal.beneficiary':         'Beneficiary',

      'estate.will_tracker.intro':       'Cross-references your Document Vault. Items here check ✓ when the matching document type is present in the vault. We detect US vs JP wills by matching keywords (US/American/英文 vs 公正証書/JP/Japanese/和文) in title/notes — tag your wills accordingly.',
      'estate.will_tracker.docs_in_vault': 'docs in vault',
      'estate.will_tracker.us_will':     'US Will (covers US-situs assets)',
      'estate.will_tracker.jp_will':     'JP Will (公正証書遺言 preferred; covers JP-situs assets)',
      'estate.will_tracker.poa':         'Power of Attorney',
      'estate.will_tracker.advance':     'Advance Directive / Living Will',
      'estate.will_tracker.trust':       'Trust documents',
      'estate.will_tracker.ben_designation': 'Beneficiary designation forms',
      'estate.will_tracker.view_vault':  'View in Vault',
      'estate.will_tracker.add_to_vault': 'Add to Vault',
      'estate.will_tracker.single_will_warning': 'Found will(s) in vault but neither tagged as US or JP. Tag the title (e.g., "US will" or "公正証書遺言") so we can distinguish — single international wills can fail probate in one or both jurisdictions.',

      'estate.dual_will.intro':         'For most US persons in Japan, two coordinated wills work better than a single international will. Each one targets the assets in its own jurisdiction; coordination clauses prevent revocation conflicts.',
      'estate.dual_will.us_will_title': 'US Will',
      'estate.dual_will.us_will_body':  'Covers US-situs assets (US brokerage, US real estate, US bank accounts, retirement plans).',
      'estate.dual_will.us_bullet1':    '✓ Standard US estate planning attorney',
      'estate.dual_will.us_bullet2':    '✓ Notarized + witnessed per state law (or self-proving affidavit)',
      'estate.dual_will.us_bullet3':    '✓ Probated through US court of decedent\'s domicile state',
      'estate.dual_will.us_bullet4':    '✓ Names US-resident executor (avoid foreign-executor complications)',
      'estate.dual_will.jp_will_title': 'JP Will (公正証書遺言)',
      'estate.dual_will.jp_will_body':  'Covers JP-situs assets (JP bank accounts, JP real estate, JP brokerage, JP-denominated insurance).',
      'estate.dual_will.jp_bullet1':    '✓ Drafted with a 公証人 (notary) at a 公証役場',
      'estate.dual_will.jp_bullet2':    '✓ Two witnesses (not heirs) required at signing',
      'estate.dual_will.jp_bullet3':    '✓ Skips 家庭裁判所 検認 — bank/registrar accepts directly',
      'estate.dual_will.jp_bullet4':    '✓ Names JP-resident 執行者 (executor)',
      'estate.dual_will.no_conflict':   'Each will must include a "no-conflict / no-revocation" clause limiting its scope to that jurisdiction\'s assets. Without this, executing the second will can accidentally revoke the first.',

      'estate.koseki.intro':            'Foreigners are NOT in 戸籍 (the JP family register) — this creates real complications when settling a JP estate that includes a foreign decedent or foreign heirs. Knowing the workarounds saves months.',
      'estate.koseki.point1':           '戸籍 normally provides automatic proof of who the heirs are (法定相続情報一覧図). Without it, banks and the 法務局 demand alternative proof: certified birth/marriage/death certificates from the foreigner\'s home country, often apostilled and translated.',
      'estate.koseki.point2':           '法定相続情報一覧図: even without a 戸籍, you can apply for one of these consolidated heir-certification documents at the 法務局. Issued once, accepted everywhere — saves having to copy a stack of foreign documents at every bank.',
      'estate.koseki.point3':           'For foreign-decedent estates: secure death certificate(s) early (multiple certified copies, apostilled by the issuing country, plus certified translation to Japanese).',
      'estate.koseki.point4':           'Marriage certificates: foreign marriages may not be recorded in JP 戸籍 — bring the original + certified translation when settling spousal claims.',
      'estate.koseki.point5':           'Tip: build the 法定相続情報一覧図 application BEFORE death whenever possible — gather and organize the supporting documents (parent\'s birth certificate, marriage certificate, etc.) in your Document Vault now.',

      'estate.probate_avoid.intro':     'Tools that move assets to heirs OUTSIDE the will/probate process. US tools transplant poorly to JP; JP\'s 家族信託 is newer but powerful for JP-situs.',
      'estate.probate_avoid.tod_body':  'Transfer-on-Death / Pay-on-Death designations. Standard at US brokerages and many US banks — asset passes directly to named beneficiary on death, no probate. JP institutions almost universally do NOT recognize TOD/POD. For US-situs accounts: powerful and free. For JP-situs: not available.',
      'estate.probate_avoid.jtwros_body': 'Joint Tenancy With Right of Survivorship. Surviving joint owner takes the asset by operation of law. Common at US brokerages. JP banks generally do NOT offer JTWROS — joint accounts in Japan are rare and don\'t carry survivorship rights. For US-situs only.',
      'estate.probate_avoid.trust_body': 'US revocable living trust. Avoids US probate entirely; trust survives death and distributes per its terms. JP courts have no equivalent and may not recognize a foreign trust over JP-situs assets — using a US trust to hold JP real estate is generally a bad idea.',
      'estate.probate_avoid.kazoku_body': 'JP family trust (家族信託). Newer JP innovation — lets you transfer JP-situs assets to a trustee (often a family member) who manages and eventually distributes per the trust\'s terms. Very useful for elderly-parent-with-dementia scenarios + cross-border families. Engage a 司法書士 / 弁護士 with 家族信託 experience.',
      'estate.probate_avoid.bd_body':   'Beneficiary designations on retirement plans (401(k), IRA, TSP, life insurance). These OVERRIDE your will — what your beneficiary form says wins. Single most-overlooked planning step: stale beneficiaries from a prior marriage or pre-children era cause real disasters.',

      'estate.secondary.intro':         '二次相続 = the second inheritance, when the surviving spouse later dies and the kids inherit. The 配偶者控除 that protects spouse #1 is GONE for spouse #2.',
      'estate.secondary.warning_label': 'The hidden tax bomb most JP estate plans miss',
      'estate.secondary.warning_body':  'It\'s common to leave everything to the surviving spouse to use the ¥160M 配偶者控除 — eliminating tax at the first death. But when the surviving spouse later dies, all that estate flows to the children with NO spouse credit, often hitting much higher brackets. Total two-step tax can exceed splitting the estate at the first death.',
      'estate.secondary.tip1':          'Run the math both ways: spouse-takes-all vs splitting the estate at the first death between spouse + children. The split usually wins on combined two-step tax even though it pays more upfront.',
      'estate.secondary.tip2':          'Use 暦年贈与 from the surviving spouse to children DURING their remaining life — reduces the second-inheritance estate.',
      'estate.secondary.tip3':          '小規模宅地等の特例 timing: residential property gets 80% valuation reduction at the first death IF the heir continues to live there. Plan whether the surviving spouse or a child should inherit the home.',
      'estate.secondary.tip4':          'Life-stage timing matters: if the surviving spouse is elderly, the second inheritance may come within 7 years — which means clawback erodes any 暦年贈与 made too late.',

      'estate.loi.intro':               'A Letter of Instruction stitches together heirs, accounts, beneficiaries, gifts, will locations, funeral wishes, and a 30-day survivor checklist into one Markdown document. Generate, print, and store with your will. NOT a will — informational guidance for survivors.',
      'estate.loi.last_generated':      'Last generated',
      'estate.loi.never_generated':     'Never generated. Click "Generate" to download a Markdown file populated from your current state across every module.',
      'estate.loi.generate':            'Generate & download',
      'estate.modal.loi':               'Edit Letter of Instruction',
      'estate.modal.loi_help':          'Free-form fields here flesh out what the auto-generated sections (heirs, accounts, beneficiaries, etc.) cannot infer.',
      'estate.loi.funeral':             'Funeral / disposition wishes',
      'estate.loi.funeral.help':        'Burial vs cremation, religious preferences, location, music, who to invite, what NOT to do. Be specific — survivors will defer to written wishes.',
      'estate.loi.pets':                'Pet care instructions',
      'estate.loi.digital':             'Digital accounts',
      'estate.loi.digital.help':        'Where the password manager is. How survivors should access email, photos, social media. Whether to delete or memorialize accounts.',
      'estate.loi.contacts':            'Important contacts',
      'estate.loi.contacts.add':        'Add contact',
      'estate.loi.contacts.name':       'Name',
      'estate.loi.contacts.role':       'Role',
      'estate.loi.contacts.contact':    'Contact (phone/email)',
      'estate.loi.contacts.relationship': 'Relationship',
      'estate.loi.additional':          'Additional notes',

      'estate.assumptions.intro':       'Override the auto-detection where it can\'t see what you know — small-residence eligibility, business succession, assets you haven\'t entered into the tracker.',
      'estate.assumptions.edit':        'Edit assumptions',
      'estate.modal.assumptions':       'Edit JP inheritance assumptions',
      'estate.assumptions.shotaku':     '小規模宅地等の特例 eligible',
      'estate.assumptions.shotaku.help': 'Heir continues to live in the JP residential property after death (up to 330㎡ qualifies for 80% valuation reduction).',
      'estate.assumptions.kominka':     'Owns 古民家 / rural family land',
      'estate.assumptions.kominka.help': 'Often inherited via family succession; valuation rules differ; specialist tax advice recommended.',
      'estate.assumptions.business':    'Business succession (事業承継) expected',
      'estate.assumptions.business.help': 'Closely-held business interests; 事業承継税制 may defer up to 100% of inheritance tax for qualifying transfers.',
      'estate.assumptions.other_jp':    'Other JP-situs assets not in tracker (¥)',
      'estate.assumptions.other_jp.help': 'Real estate, business, insurance proceeds, etc. that aren\'t in the Asset tracker yet. Added to JP-situs total.',
      'estate.assumptions.other_us':    'Other US-situs assets not in tracker ($)',
      'estate.assumptions.other_us.help': 'Real estate, business, insurance proceeds, etc. that aren\'t in the Asset tracker yet. Added to US-situs total.',

      'estate.resources.nta_inheritance.title': 'NTA — Inheritance & Gift Tax (Japan)',
      'estate.resources.nta_inheritance.body':  '国税庁 English overview of 相続税 + 贈与税. Bracket schedule, deductions, special exemptions.',
      'estate.resources.koseki_info.title':     'MoJ — 戸籍 & 法定相続情報一覧図',
      'estate.resources.koseki_info.body':      'Ministry of Justice guidance on the 戸籍 family register and the consolidated heir-certification document available at the 法務局.',
      'estate.resources.ssa_survivors.title':   'SSA — Survivor Benefits',
      'estate.resources.ssa_survivors.body':    'US Social Security benefits payable to surviving spouse and children of a US worker. Available abroad with totalization treaty.',
      'estate.resources.us_treaty.title':       'IRS — US-Japan Tax Treaty',
      'estate.resources.us_treaty.body':        'US-Japan estate & gift tax treaty documents. Useful for the rare large-estate cases that hit US estate tax + JP inheritance tax simultaneously.',

      // Family module
      'family.title':                  'Family',
      'family.subtitle':               'For US persons with Japanese-national spouses, dual-citizen children, or other Japan-resident family members. Tracks 国籍選択 (nationality choice — by age 20 if dual since before 18), passport renewal cycles, education savings strategy (529 vs 学資保険 PFIC trap), inheritance pre-positioning (暦年贈与 + 教育資金一括贈与), and US citizenship renunciation planning.',
      'family.badge':                  'FAMILY',
      'family.edit':                   'Edit',
      'family.save':                   'Save',
      'family.cancel':                 'Cancel',
      'family.delete':                 'Delete',

      'family.section.roster':         'Family roster',
      'family.section.nationality_choice': '国籍選択 (Japanese nationality choice)',
      'family.section.transmission':   'US citizenship transmission to next generation',
      'family.section.passports':      'Passport renewal tracker',
      'family.section.edu_savings':    'Education savings strategy',
      'family.section.pre_positioning': 'Inheritance pre-positioning (gift vehicles)',
      'family.section.gift_log':       'Gift log',
      'family.section.renunciation':   'US citizenship renunciation',
      'family.section.resources':      'Resources',

      'family.member.add':             'Add member',
      'family.gift.add':               'Add gift',
      'family.confirm.delete':         'Delete this family member?',
      'family.confirm.delete_gift':    'Delete this gift entry?',

      'family.modal.add_member':       'Add family member',
      'family.modal.edit_member':      'Edit family member',
      'family.modal.add_gift':         'Log a gift',
      'family.modal.edit_gift':        'Edit gift entry',
      'family.modal.renunciation':     'Renunciation planning',

      'family.field.relationship':     'Relationship',
      'family.field.name_en':          'Name (English)',
      'family.field.name_jp':          'Name (Japanese)',
      'family.field.birth_date':       'Date of birth',
      'family.field.citizenships':     'Citizenship(s)',
      'family.field.citizenships.other': 'Other',
      'family.field.citizenships.help': 'Select all that apply. Driving 国籍選択 deadlines (US+JP) and PFIC analysis.',
      'family.field.jp_resident':      'Currently lives in Japan',
      'family.field.ssn_or_itin':      'US tax ID',
      'family.field.ssn_or_itin.none': 'None (non-US person)',
      'family.field.ssn_or_itin.help': 'SSN for US citizens / LPRs. ITIN if claimed as a dependent on a US return without SSN. None if non-US person.',
      'family.field.passport':         'passport',
      'family.field.passport_last4':   'Passport number (last 4)',
      'family.field.passport_expires': 'Expires',
      'family.passport.import.btn':       'Extract from passport photo / PDF',
      'family.passport.import.processing': 'Reading passport with Claude vision…',
      'family.passport.import.done':      '✨ Filled {{n}} field(s) · ${{cost}}',
      'family.passport.import.nothing':   'Could not read expiry / number — fill in manually',
      'family.field.nationality_choice': '国籍選択 status',
      'family.field.nationality_choice.pending': 'Pending / not yet chosen',
      'family.field.nationality_choice.us':  'Chose US (filed 国籍喪失届 with JP)',
      'family.field.nationality_choice.jp':  'Chose JP (filed 日本国籍選択届; US still active until consulate renunciation)',
      'family.field.nationality_choice.both': 'Kept both (no filing)',
      'family.field.nationality_choice.help': 'Since the 2022 reform: choose by age 20 if the second nationality was acquired before 18, or within 2 years if acquired at/after 18. In practice many dual-citizens silently retain both — Japan rarely enforces.',
      'family.field.notes':            'Notes',

      'family.hint.label':             'Onboarding indicated:',
      'family.hint.us_spouse':         'US-citizen spouse — add as a family member to track passports & SSN.',
      'family.hint.jp_spouse':         'Japanese-national spouse — add to track ITIN status, MFJ vs MFS election (see Tax Coordinator).',
      'family.hint.third_spouse':      'Spouse of another nationality — add to track passport renewal & filing status.',
      'family.hint.us_children':       'US-citizen children — add to track passports, SSN, future citizenship transmission rules.',
      'family.hint.jp_children':       'Japanese-citizen children — add to track passport renewal.',
      'family.hint.dual_children':     'Dual-citizen children — add to surface 国籍選択 deadlines (Japanese nationality choice by age 20 if dual since before 18).',

      'family.roster.empty':           'No family members added yet. Click "Add member" to start.',

      'family.nationality_choice.intro': 'Japanese Nationality Act Article 14 (amended 2022): a person who acquired multiple nationalities before age 18 chooses ONE by age 20; acquired at/after 18, within 2 years. In practice this is a non-penalized "duty of effort" — no fine and no automatic loss for missing the date. Japanese nationality is lost only if the Minister of Justice issues a written demand (催告) that then goes unanswered for one month, and that demand has never been issued to anyone; most of Japan\'s dual nationals simply remain dual. Filing 日本国籍選択届 to select Japanese does NOT renounce US citizenship — that is a separate consular act, and Article 16 only asks you to "endeavor" to give up the other nationality. Keep this separate from Article 11, under which a Japanese citizen who VOLUNTARILY acquires a foreign nationality loses Japanese nationality automatically — Article 11 does not apply to someone dual from birth. To confirm where someone formally stands, check the 戸籍謄本 (a filed selection is recorded there); a 行政書士 or the 法務局 can verify.',
      'family.nationality_choice.deadline': '20th birthday',
      'family.nationality_choice.action': 'No selection on record. There is no hard deadline pressure here: the choice is a non-penalized "duty of effort" and missing the date carries no automatic loss. If/when you do choose Japanese, file the 日本国籍選択届 at the local 市役所/区役所. To confirm the formal record, check the 戸籍謄本.',
      'family.nationality_choice.made_us':  'Chose US — JP citizenship released',
      'family.nationality_choice.made_jp':  'Chose JP — US still requires separate consulate renunciation',
      'family.nationality_choice.made_both': 'Kept both (no filing)',
      'family.nationality_choice.note_us':  'Filing complete. JP nationality renounced via 国籍喪失届. Returning to live in Japan would now require a visa.',
      'family.nationality_choice.note_jp':  'JP nationality preserved. ⚠ The US is NOT automatically notified — child still owes US tax filings (1040, FBAR, etc.) until separately renounced at a US consulate. Many people in this state forget the US obligations.',
      'family.nationality_choice.note_both': 'No filing made. Technically a violation of Article 14, but enforcement is virtually nonexistent. Watch for Japanese passport renewal questionnaires that ask about other citizenships — answering "no" while holding US citizenship can create issues.',
      'family.nationality_choice.overdue': 'past · no penalty',

      'family.transmission.intro':     'If your US-citizen child eventually has children of their own while living abroad with a non-US-citizen partner, US citizenship transmission to the grandchild is NOT automatic.',
      'family.transmission.rule_label': 'Physical-presence requirement (INA §301(g))',
      'family.transmission.rule_body':  'For a child born abroad to one US-citizen parent and one non-US-citizen parent, the US-citizen parent must have been physically present in the US for at least 5 years before the child\'s birth, INCLUDING 2 years AFTER age 14. Falls short → child does NOT acquire US citizenship at birth.',
      'family.transmission.step1':     'Plan US time for your child during teenage years (high school in US, summer trips, college in US) so they can satisfy 2y after 14 if they later have kids abroad.',
      'family.transmission.step2':     'Document physical presence carefully — passport entry/exit stamps, school records, employment records.',
      'family.transmission.step3':     'CRBA (Consular Report of Birth Abroad) is the official document for grandchildren born abroad — your child needs to file at the US embassy/consulate within first year.',
      'family.transmission.step4':     'Alternative for grandchildren who don\'t qualify at birth: INA §322 lets a US-citizen parent of a foreign-born child apply for naturalization while the child is under 18, IF a US-citizen GRANDPARENT meets the 5y physical presence rule.',

      'family.passports.intro':        'All US + JP passports across family. Plan renewals 9-12 months before expiry — many countries refuse entry with <6mo validity.',
      'family.passports.empty':        'No passports tracked yet. Add passport details when editing a family member.',
      'family.passports.expired':      'EXPIRED',

      'family.edu_savings.intro':      'Comparing the four common education savings vehicles for JP-resident families. TWO headline traps to internalize: 学資保険 is a PFIC for US-person parents, AND 529 funds are NOT qualified for most Japanese universities (FSA-eligibility list).',
      'family.edu_savings.pfic_warning_label': '学資保険 is a PFIC for US-person parents',
      'family.edu_savings.pfic_warning_body':  'Aggressively marketed by JP insurance agents to expat families, but DEVASTATING for the US-person parent. Internal funds are JP-domiciled mutual products — pure PFIC. Default tax treatment + Form 8621 every year + interest charge on growth from acquisition date. If a non-US-person grandparent owns the policy and gifts the proceeds to the US-person grandchild years later, the PFIC issue follows.',
      'family.edu_savings.jp_529_warning_label': '529 plans don\'t cover most Japanese schools',
      'family.edu_savings.jp_529_warning_body':  '529 funds are tax-free ONLY for "qualified higher education expenses" at "eligible educational institutions" — schools with a Federal School Code in the US Department of Education FSA database. Most major Japanese universities (Tokyo, Kyoto, Waseda, Keio, Sophia) are NOT on the list. Using 529 funds at an ineligible school = non-qualified withdrawal. The penalty applies ONLY to the earnings portion (your principal contributions were after-tax dollars and come back tax/penalty-free): 10% federal penalty on earnings + ordinary income tax on earnings + possible state-tax recapture of prior credits. The hit scales with how long the account grew. Eligible JP options are short (Temple Japan, Lakeland Japan, a few others). If your kid will attend a typical JP university, a US-domiciled taxable brokerage in the parent\'s name is the cleaner vehicle. 529 still works if the beneficiary will study in the US, or you reassign the beneficiary to a US-resident family member, or you roll up to $35K to the beneficiary\'s Roth IRA (SECURE 2.0).',
      'family.edu_savings.jp_529_lookup': 'Look up FSA-eligible schools (studentaid.gov)',

      'family.pre_positioning.intro':  'JP inheritance tax is among the world\'s heaviest (max 55%). Lifetime gifting to children + grandchildren before death materially reduces the eventual estate tax bill. Each vehicle below has its own cap, eligibility, and pitfalls.',
      'family.pre_positioning.sunset': 'Sunset',
      'family.pre_positioning.clawback_label': '7-year clawback (2024 reform)',
      'family.pre_positioning.clawback_body':  'Gifts via 暦年贈与 within 7 YEARS of the donor\'s death are pulled back into the inheritance estate (was 3y pre-2024). For elderly donors this severely limits the value of last-minute gifting; the strategy works best when started 10+ years out. Lump-sum vehicles (教育資金一括贈与, 結婚・子育て) are NOT subject to this clawback.',

      'family.gift_log.intro':         'Annual record of gifts. Use this for 暦年贈与 tracking (¥1.1M cap per recipient per year) and to document the basis for the 7-year clawback calculation.',
      'family.gift_log.empty':         'No gifts logged. Click "Add gift" to start a year-by-year record.',
      'family.gift.year':              'Year',
      'family.gift.recipient':         'Recipient',
      'family.gift.vehicle':           'Vehicle',
      'family.gift.amount':            'Amount (JPY)',
      'family.gift.unknown_recipient': '(unknown recipient)',

      'family.renunciation.intro':     'Renouncing US citizenship is irrevocable and triggers an exit tax on covered expatriates. Use this card to document your reasoning + run the covered-expatriate analysis. NOT a substitute for a specialist consultation.',
      'family.renunciation.not_contemplating': 'Not currently contemplating. Edit to begin tracking if this becomes relevant.',
      'family.renunciation.contemplating': 'Contemplating renunciation',
      'family.renunciation.target_year': 'Target year',
      'family.renunciation.estimated_net_worth': 'Estimated net worth (USD)',
      'family.renunciation.estimated_net_worth.help': 'Includes everything: real estate, retirement, brokerage, business interests, cash. ≥ $2M = covered expatriate.',
      'family.renunciation.estimated_avg_tax': 'Avg US net income tax, last 5y (USD)',
      'family.renunciation.estimated_avg_tax.help': '5-year average of your US federal income tax NET of credits. ≥ $201,000 (2024) = covered expatriate.',
      'family.renunciation.consultation_complete': 'Consultation with specialist completed',
      'family.renunciation.is_covered':     'Likely covered expatriate — exit tax applies',
      'family.renunciation.not_covered':    'Below covered expatriate thresholds',
      'family.renunciation.test.net_worth': 'Net worth threshold',
      'family.renunciation.test.avg_tax':   '5y avg US tax threshold',
      'family.renunciation.test.compliance': '5y tax compliance certification (Form 8854)',
      'family.renunciation.test.compliance.value': 'manual verification',
      'family.renunciation.target_year':    'Target year',
      'family.renunciation.consultation_done': 'Specialist consultation marked complete.',
      'family.renunciation.consultation_pending': 'Schedule a renunciation specialist consultation BEFORE filing DS-4079. Irrevocability + exit-tax interactions need expert review.',
      'family.renunciation.process.fee':         'DOS fee: $450, effective April 13, 2026 (final rule, Federal Register doc 2026-04931, published March 13, 2026). Reduced from $2,350 — the figure that had been in place since September 2014. Confirmed on the US Embassy Japan fees page. ⚠ No retroactive refunds: the State Department explicitly rejected refunds for those who paid the $2,350 fee before April 13, 2026, and there are no fee waivers or limited-means reductions. Fee is non-waivable, non-refundable, paid on the day of your interview, and not refunded even if the CLN application is later denied.',
      'family.renunciation.process.consulate':   'Process: at least one in-person appointment at a US embassy/consulate. Forms: DS-4079 (questionnaire) + DS-4080 (oath of renunciation) + DS-4081 (statement of understanding). Wait times depend on the post — anywhere from a few weeks to several months. Tokyo and the larger consulates (Osaka-Kobe, Naha) typically have longer queues than smaller posts. Some posts have temporarily paused renunciation appointments during high-volume periods; verify availability directly with the consulate.',
      'family.renunciation.process.cln':         'Issuance: Certificate of Loss of Nationality (CLN, Form DS-4083) is approved by the Department of State in Washington, DC — NOT by the consular officer who took the oath. Typical wait from oath to CLN: several months. Denials are rare but happen if intent to renounce is questioned. ⚠ Until the CLN is issued you remain a US citizen for tax purposes; however, your expatriation DATE for §877A exit-tax purposes is the date of the oath, not the date the CLN is later issued.',
      'family.renunciation.process.exit_tax':    'Exit tax (covered expatriates only): mark-to-market all assets the day before expatriation. Gain above the §877A exclusion (~$890K in 2025, indexed annually) is taxed as if everything were sold. Some deferral available for select assets via security posting + interest. Form 8854 + final dual-status 1040 due by Apr 15 of year following expatriation.',
      'family.renunciation.process.irrevocable': 'IRREVOCABLE. Re-naturalization is theoretically possible (no statutory bar) but requires the standard immigration process from scratch — visa, green card, 5y wait, English/civics test. The Reed Amendment can also bar re-entry for tax-motivated renunciants (rarely enforced). Plan for "this is permanent."',
      'family.renunciation.process.children':    'Children under 18 generally cannot renounce — State Dept presumes they lack capacity. Renunciation triggers IRC §2801 gift/estate tax on COVERED-EXPATRIATE\'s future gifts or bequests to US-person heirs (40% rate to the recipient — not the giver). This can dwarf the exit tax itself if you intend to leave anything to US-citizen children.',

      'family.resources.moj.title':    'Ministry of Justice — Nationality',
      'family.resources.moj.body':     'Official Japanese MoJ guidance on dual citizenship and 国籍選択 procedures.',
      'family.resources.state_renunciation.title': 'State Dept — Relinquishing US Nationality Abroad',
      'family.resources.state_renunciation.body':  'Official US Department of State page covering CLN procedures, statutory grounds, and embassy requirements.',
      'family.resources.embassy_japan.title':      'US Embassy Japan — Loss of US Citizenship',
      'family.resources.embassy_japan.body':       'Tokyo embassy page with current $450 fee, in-person interview requirement, and contact procedures for scheduling renunciation appointments at any US diplomatic post in Japan (Tokyo + Osaka-Kobe + Naha + Sapporo + Fukuoka + Nagoya).',
      'family.resources.irs_expatriation.title': 'IRS — Expatriation Tax',
      'family.resources.irs_expatriation.body':  'Form 8854, mark-to-market exit tax under §877A, covered-expatriate definition, and post-expatriation tax rules.',
      'family.resources.nta_gift.title': 'NTA — Inheritance & Gift Tax (Japan)',
      'family.resources.nta_gift.body':  'National Tax Agency English-language overview of gift tax rules including 暦年贈与 + lump-sum exemptions.',

      // Tax Filing Coordinator module
      'tax.title':                     'Tax Filing Coordinator',
      'tax.subtitle':                  'Year-round US + JP tax filing calendar. Auto-detects which forms apply (1040, 2555/1116, FBAR, 8938, 8621, 確定申告) by reading your Assets, FBAR records, and onboarding answers.',
      'tax.badge':                     'TAX',
      'tax.edit':                      'Edit',
      'tax.save':                      'Save',
      'tax.cancel':                    'Cancel',
      'tax.import.w2.btn':             'Extract from W-2',
      'tax.import.w2.title':           'W-2 extraction',
      'tax.import.gensen.btn':         'Extract from 源泉徴収票',
      'tax.import.gensen.title':       '源泉徴収票 extraction',
      'tax.import.help':               'Drop a W-2 or year-end 源泉徴収票 — Claude reads wages, withholding, and employer info. Saved values display below; the doc itself can be archived to Document Vault.',
      'tax.import.processing':         'Reading document with Claude vision…',
      'tax.import.done':               '✓ Extracted · ${{cost}}',
      'tax.import.saveToVault':        'Save this doc to Document Vault',
      'tax.import.savedToVault':       'Saved to Document Vault',
      'tax.import.vaultError':         'Could not save to vault',

      'tax.section.calendar':          'Year-at-a-glance calendar',
      'tax.section.assessment':        'Forms assessment',
      'tax.section.feie_vs_ftc':       'FEIE vs FTC — which to elect',
      'tax.section.pfic':              'PFIC alert (Form 8621)',
      'tax.section.spouse':            'Spouse strategy (MFJ vs MFS)',
      'tax.section.docs':              'Document collection checklist',
      'tax.section.preparer':          'Tax preparer',
      'tax.section.overrides':         'Manual overrides',
      'tax.section.resources':         'Resources',

      'tax.calendar.intro':            'Upcoming US and Japan deadlines for the next 12 months. Red = within 14 days, amber = within 45 days, blue = on the horizon, gray = informational.',
      'tax.calendar.empty':            'No deadlines computed yet — complete onboarding so we can determine which filings apply.',
      'tax.calendar.spouseTag':        'Spouse handles',
      'tax.calendar.spouseGroup.summary': '+ {{n}} JP-side deadline(s) your spouse handles · click to expand',
      'tax.assessment.spouseGroup.summary': '+ {{n}} form(s) your spouse handles · click to expand',
      'tax.docs.spouseGroup.summary':       '+ {{n}} document(s) your spouse needs to gather · click to expand',

      // JP-filing-responsibility picker (sits inside the calendar card)
      'tax.jpresp.title':              'Who files JP-side personal returns?',
      'tax.jpresp.intro':              'Choose who handles 確定申告 / 住民税 / ふるさと納税. SOFA contractors are exempt under SOFA Article 14 ¶7, and many married SOFA households split household tax responsibility — the JP spouse files her own return; the SOFA holder doesn’t appear on 住民票 at all.',
      'tax.jpresp.sofaNote':           'Detected SOFA + spouse: the typical pattern is "Spouse handles" — your SOFA-source income is exempt from JP income tax under SOFA Article 14 ¶7, and you’re not registered on 住民票 (Article 9 ¶2). Your spouse files her own 確定申告 if she has reportable income.',
      'tax.jpresp.opt.auto':           'Auto-detect (currently: {{d}})',
      'tax.jpresp.opt.self':           'I file my own JP returns',
      'tax.jpresp.opt.spouse':         'Spouse / family member handles JP-side',
      'tax.jpresp.opt.na':             'No JP filing obligation (SOFA / US-only)',
      'tax.jpresp.derived.self':       'I file',
      'tax.jpresp.derived.spouse':     'Spouse handles',
      'tax.jpresp.derived.na':         'N/A',

      'tax.docs.spouseHeading':        'Documents your spouse / household member needs',
      'tax.docs.spouseIntro':          'These are gathered for JP-side filings handled by another household member. Listed here so the household has a single checklist; the user-side pile above is what YOU personally need to gather.',
      'tax.assessment.intro':          'Each form below shows whether it applies to you and why. Click to expand for thresholds, deadlines, and required documents.',
      'tax.filing_status.label':       'Filing status',
      'tax.filing_status.auto':        'Auto (from family answers)',

      'tax.feie_vs_ftc.intro':         'For US persons earning income while living in Japan, the IRS lets you exclude foreign earned income (FEIE, Form 2555) OR credit foreign income tax paid (FTC, Form 1116). Most JP residents are better off with FTC.',
      'tax.feie_vs_ftc.your_choice':   'Your election',
      'tax.feie_vs_ftc.rule_of_thumb': 'Rule of thumb: if your effective Japanese tax rate is ≥ your US rate (almost always true above ¥7M income), FTC eliminates US tax entirely AND generates a credit you can carry forward 10 years. FEIE wastes that credit. Most expats in Japan eventually switch to FTC.',

      'tax.pfic.detected_label':       'Detected PFIC accounts:',
      'tax.pfic.cpa_note':             'PFIC reporting is one of the most error-prone areas of US international tax. Strongly recommend a CPA who specifically advertises PFIC experience — generalists frequently miss this and the penalty regime is harsh.',

      'tax.spouse.warning':            'The §6013(g) election to treat a non-US spouse as a US resident can backfire. JP-resident spouses often hold 投資信託, 学資保険, or 確定拠出年金 — all PFICs once they\'re in the US system. Run the numbers BOTH ways before electing MFJ.',

      'tax.docs.intro':                'Documents needed for the forms that apply to you. Items in your Document Vault are checked. Click "Add to Vault" to start tracking.',
      'tax.docs.empty':                'No documents required yet — based on current applicable forms.',

      'tax.preparer.empty':            'No preparer recorded. Click Edit to add CPA / 税理士 contact info and your next appointment.',
      'tax.preparer.name':             'Preparer / firm name',
      'tax.preparer.contact':          'Contact (email, phone, LINE)',
      'tax.preparer.next_appointment': 'Next appointment',
      'tax.preparer.notes':            'Notes',
      'tax.modal.preparer':            'Edit tax preparer',

      'tax.overrides.intro':           'Things we can\'t auto-detect from Assets/FBAR — manually flag if applicable. "Auto" = use auto-detection.',
      'tax.overrides.auto':            'Auto-detect',
      'tax.overrides.yes':             'Yes',
      'tax.overrides.no':              'No',
      'tax.overrides.pfic':            'Have PFIC investments?',
      'tax.overrides.pfic.help':       'Override the auto-scan. "Yes" forces 8621 to show as required even if no PFIC was detected in Assets.',
      'tax.overrides.foreign_corp':    'Own ≥10% of a foreign corporation?',
      'tax.overrides.foreign_corp.help': '合同会社, 株式会社, GK, KK, or any foreign corp. Triggers Form 5471 + GILTI computation.',
      'tax.overrides.self_employed':   'Self-employed / contractor?',
      'tax.overrides.self_employed.help': 'Triggers Schedule SE and quarterly estimated tax payments. Totalization treaty exempts JP-resident SE from US SE tax with Japanese pension certificate.',
      'tax.overrides.paid_jp_tax':     'Paid Japanese income or resident tax in prior year?',
      'tax.overrides.paid_jp_tax.help': 'Drives Form 1116 (FTC) applicability.',

      'tax.resources.irs_intl.title':  'IRS — International Taxpayers',
      'tax.resources.irs_intl.body':   'Official IRS hub for US persons abroad. Form instructions, publications, FAQs.',
      'tax.resources.fbar.title':      'FinCEN BSA E-Filing — FBAR',
      'tax.resources.fbar.body':       'File FinCEN Form 114 here. Separate from the IRS — you cannot file FBAR with your 1040.',
      'tax.resources.nta.title':       'National Tax Agency (国税庁)',
      'tax.resources.nta.body':        'Japanese tax authority. English pages cover most expat-relevant 確定申告 topics.',
      'tax.resources.totalization.title': 'US-Japan Totalization Agreement',
      'tax.resources.totalization.body': 'SSA explanation of how to get a coverage certificate to avoid double-payment of social security / pension contributions.',

      // Long-Term Resident module
      'resident.title':                'Long-Term Resident',
      'resident.subtitle':             'Japan-side tracking for non-SOFA US residents — 確定申告 prep, 永住権 eligibility, 10-year worldwide-asset clock, Furusato Nozei, mortgage credit, NHI awareness.',
      'resident.badge':                'LONG-TERM RESIDENT',
      'resident.edit':                 'Edit',
      'resident.save':                 'Save',
      'resident.cancel':               'Cancel',

      'resident.section.residency':    'Residency status',
      'resident.section.pr':           '永住権 (Permanent Residency) tracker',
      'resident.section.tenyear':      '10-year worldwide-asset clock',
      'resident.section.kakutei':      '確定申告 prep (annual tax return)',
      'resident.section.furusato':     'Furusato Nozei (ふるさと納税) calculator',
      'resident.section.mortgage':     '住宅ローン控除 (mortgage tax credit)',
      'resident.section.nhi':          'National Health Insurance (NHI) timing',
      'resident.section.resources':    'Resources',

      'resident.modal.residency':      'Edit residency status',
      'resident.modal.furusato':       'Edit Furusato Nozei',
      'resident.modal.mortgage':       'Edit mortgage credit',
      'resident.modal.from_onboarding_note': 'Some fields are pre-filled from your onboarding answers. Update them with exact dates / details — your edits override the defaults.',

      'resident.from_onboarding':      'from onboarding',
      'resident.years_ago_approx':     'ago (approximate)',

      'resident.residency.empty':      'No residency info yet. Click Edit to add your arrival date, visa type, and 住民票 status.',
      'resident.field.arrival':        'Arrival in Japan',
      'resident.field.arrival.help':   'When you first established residency in Japan. Drives the 10-year worldwide-asset clock and PR eligibility math.',
      'resident.field.juminhyo':       '住民票 registration date',
      'resident.field.juminhyo.help':  'Exact date 住民票 was filed (optional). May be later than arrival if you came on SOFA first.',
      'resident.field.juminhyo_status': '住民票 status',
      'resident.field.juminhyo_status.help': 'Quick status from onboarding. If you know the exact registration date, also enter it below.',
      'resident.juminhyo.yes':         'Registered',
      'resident.juminhyo.no':          'Not registered',
      'resident.juminhyo.unsure':      'Unsure',
      'resident.field.visa':           'Visa status',
      'resident.field.pr_status':      'PR status',
      'resident.field.pr_granted':     'Permanent Resident (永住者 visa) granted',
      'resident.field.pr_filed':       'PR application filed (date)',
      'resident.field.pr_filed.help':  'Set when you submit your 永住権 application — typical review takes 4-12 months.',
      'resident.pr.granted':           '永住者',
      'resident.pr.pending':           'Pending (filed {{date}})',

      'resident.pr.empty':             'Set your visa status and arrival date to see PR eligibility timeline.',
      'resident.pr.path':              'PR path',
      'resident.pr.now_eligible':      'Eligible to apply now',
      'resident.pr.required':          'continuous residency required',
      'resident.pr.already_granted':   'You\'ve already been granted permanent residency. No further tracking needed in this card.',
      'resident.pr.eligible_apply':    'You\'re eligible. Application is paper-based at your local immigration office. Gather: 5y of tax records, 住民票 + 戸籍 (or equivalent), employment records, passport + residence card scans, and 2-3 character references.',
      'resident.pr.reference':         'Application requirements:',

      'resident.tenyear.intro':        'Japan inheritance tax expands from JP-situs only → WORLDWIDE assets at year 10 of residency. This is a binary line — there\'s no graduation. Plan well before year 10.',
      'resident.tenyear.empty':        'Set your arrival date in the Residency section above to see the countdown.',
      'resident.tenyear.until':        'until 10-year mark',
      'resident.tenyear.date':         'Year-10 anniversary',
      'resident.tenyear.past':         'You\'ve been in Japan {{years}}+ years',
      'resident.tenyear.past.body':    'JP inheritance tax now applies to your WORLDWIDE assets — US 401(k), IRA, brokerage, real estate. Mitigation strategies (gifting, life insurance, real estate valuation, spouse deduction) all still work, just need to be planned. See the Inheritance Tax Mitigation section in Projections → Tax Strategy.',
      'resident.tenyear.future.body':  'Before year 10: JP inheritance tax applies ONLY to JP-situs assets (your JP bank, JP real estate). After year 10: WORLDWIDE. Plan transfers to non-JP-resident heirs, restructure, or leave Japan before the clock runs out.',
      'resident.tenyear.see_strategies': 'See full inheritance tax mitigation strategies in Projections → Tax Strategy',

      'resident.kakutei.intro':        '確定申告 window: Feb 16 — Mar 15 each year. Required for: self-employed, multi-employer, foreign-source income (most US persons), or claiming deductions outside year-end adjustment.',
      'resident.kakutei.window_open':  '🔴 Window OPEN — {{days}} days until deadline (Mar 15)',
      'resident.kakutei.next_deadline': 'Next deadline: {{date}} ({{days}} days)',
      'resident.kakutei.window_help':  'File via e-Tax (online) or paper at your local 税務署. Late filing penalty: 5-15% delinquent tax + interest.',
      'resident.kakutei.checklist':    'Documents to gather',
      'resident.kakutei.us_person_note': 'US persons: you must ALSO file your US 1040 with worldwide income. JP tax paid is claimed on US Form 1116 as Foreign Tax Credit. Coordinate timing with your US CPA — 確定申告 typically files BEFORE the US April 15 deadline so you have JP tax info for the FTC math.',

      'resident.furusato.intro':       'Annual JP tax-deductible donation system. Donate to JP municipalities, deduct from JP resident tax (above ¥2K floor), receive ~30% gift value back as 返礼品 (rice, wagyu, sake, etc.). Available to US persons — no PFIC issue (it\'s a charitable contribution).',
      'resident.furusato.empty':       'Enter your prior-year income to see your estimated annual limit.',
      'resident.furusato.estimated_limit': 'Estimated annual limit',
      'resident.furusato.planned':     'Planned donations',
      'resident.furusato.headroom':    'Remaining headroom',
      'resident.furusato.over_limit':  'You\'re over the estimated limit. Excess donations don\'t qualify for the deduction — verify with the official calculator before donating more.',
      'resident.furusato.estimate_note': 'Estimate based on simplified formula (~2-3% of income). For exact figure use the official calculator at',
      'resident.furusato.calculator':  'simulator',
      'resident.furusato.prior_income': 'Prior-year income (¥)',
      'resident.furusato.prior_income.help': 'Total taxable income for the prior calendar year. From your 源泉徴収票 if employed, or your 確定申告 calculation.',
      'resident.furusato.dependents':  'Number of dependents',
      'resident.furusato.dependents.help': 'Spouse + qualifying children. Reduces your limit by ~8% per dependent.',
      'resident.furusato.donations_planned': 'Donations planned this year (¥)',
      'resident.furusato.donations_planned.help': 'Track your running total. If you go over the limit, the excess won\'t be deductible.',

      'resident.mortgage.intro':       '住宅ローン控除 — annual JP income tax credit of 0.7% of year-end home loan balance, for the first 13 years of a primary-residence mortgage.',
      'resident.mortgage.empty':       'Mark "I have a JP mortgage" in the Edit modal to see your estimated annual credit.',
      'resident.mortgage.has':         'I have a Japan home mortgage on my primary residence',
      'resident.mortgage.purchase_year': 'Purchase year',
      'resident.mortgage.loan_balance': 'Year-end loan balance (¥)',
      'resident.mortgage.loan_balance.help': 'From your bank\'s 年末残高証明書 (year-end balance certificate). Cap depends on property type.',
      'resident.mortgage.type':        'Property type',
      'resident.mortgage.annual_credit': 'Estimated annual credit',
      'resident.mortgage.years_remaining': 'Years remaining',
      'resident.mortgage.note':        'Year 1 claimed via 確定申告; years 2-13 claimed automatically via 年末調整 (year-end adjustment) by your employer. Available to US persons — it\'s a tax credit, not an investment.',

      'resident.nhi.body':             'Japan National Health Insurance (国民健康保険) premiums are calculated annually each June from your PRIOR-year income. A big income year (Roth conversion, RSU vest, large bonus) drives next year\'s NHI up.',
      'resident.nhi.timing_tip':       'Time large income events to manage NHI cliff effects. NHI premium is capped (~¥1M/year per person), but the cap is reached at modest income — and the marginal rate on a Roth conversion can exceed 10% combined with JP income tax. Consider spreading large conversions across multiple low-income years.',

      'resident.resources.nta.title':  'National Tax Agency (国税庁)',
      'resident.resources.nta.body':   'Official source for 確定申告 forms, 路線価 (rosenka land valuations), inheritance tax rules, English-language guides for foreign residents.',
      'resident.resources.moj.title':  'Immigration Services Agency (出入国在留管理庁)',
      'resident.resources.moj.body':   'Official 永住権 application requirements + forms. Visa renewal procedures.',
      'resident.resources.furusato.title': 'Furusato Tax Portal',
      'resident.resources.furusato.body': 'Largest aggregator of municipality donations. Includes the official limit simulator (better accuracy than our quick estimate above).',
      'resident.resources.zeirishi.title': 'Find a 税理士 (zeirishi / JP tax accountant)',
      'resident.resources.zeirishi.body': 'For complex situations — inheritance pre-planning, mixed-income filings, real estate transactions — engage a 税理士. Many handle US-Japan dual filings; expect ¥100K-¥500K+ for a full annual filing depending on complexity.',

      'veteran.modal.service':      'Edit service record',
      'veteran.modal.disability':   'Edit VA disability',
      'veteran.modal.healthcare':   'Edit healthcare',
      'veteran.modal.education':    'Edit education benefits',
      'veteran.modal.survivor':     'Edit survivor benefits',

      'veteran.service.empty':      'No service info yet. Click Edit to add your branch, dates, discharge type, and rank.',
      'veteran.field.branch':       'Branch',
      'veteran.field.component':    'Component',
      'veteran.field.entry_date':   'Entry into service',
      'veteran.field.discharge_date': 'Separation / discharge date',
      'veteran.field.discharge_type': 'Discharge characterization',
      'veteran.field.final_rank':   'Final rank',
      'veteran.field.mos_rating':   'MOS / rating / AFSC',
      'veteran.field.retired':      'Retired (20+ years or medical retirement)',
      'veteran.field.retired.help': 'Determines TRICARE Retired eligibility, retirement pay, and lifetime benefits.',
      'veteran.field.status':       'Status',
      'veteran.status.retired':     'Retired',

      'veteran.dd214.tracked':      'DD-214 logged in your Document Vault — stored at: {{location}}',
      'veteran.dd214.missing':      'DD-214 not yet in your Document Vault.',
      'veteran.dd214.openVault':    'Add it now',

      'veteran.disability.empty':   'No VA disability rating recorded. Click Edit to add your overall rating and individual conditions.',
      'veteran.disability.rating':  'Combined rating',
      'veteran.disability.rating.help': 'VA combined rating (0-100% in 10% increments). Use the VA combined ratings table — multiple conditions don\'t simply add.',
      'veteran.disability.compensation': 'Monthly compensation',
      'veteran.disability.compensation.help': 'Your tax-free monthly VA disability payment. Updated annually for COLA each December.',
      'veteran.disability.iu':      'Receiving Individual Unemployability (IU/TDIU)',
      'veteran.disability.iu.help': 'Paid at the 100% rate even if combined rating is below 100%. Requires inability to maintain substantially gainful employment due to service-connected conditions.',
      'veteran.iu.suffix':          '(at 100% rate via IU)',
      'veteran.disability.last_eval': 'Last C&P examination',
      'veteran.disability.last_eval.help': 'Date of your most recent VA Compensation & Pension exam. The VA can re-examine periodically; keeping records helps with future increase claims.',
      'veteran.disability.conditions': 'Service-connected conditions',
      'veteran.condition.add':      'Add condition',
      'veteran.condition.name.placeholder': 'e.g., Tinnitus, PTSD, Lumbar strain',
      'veteran.disability.reference': 'VA Manila Regional Office (Asia-Pacific):',

      'veteran.healthcare.empty':   'No healthcare info recorded. Click Edit to add TRICARE plan and FMP enrollment.',
      'veteran.healthcare.tricare_eligible': 'TRICARE eligible',
      'veteran.healthcare.tricare_eligible.help': 'Active duty, retirees, and qualifying dependents. Eligibility ends 180 days after separation for non-retirees.',
      'veteran.healthcare.tricare_plan': 'TRICARE plan',
      'veteran.healthcare.fmp':     'Enrolled in VA Foreign Medical Program (FMP)',
      'veteran.healthcare.fmp.help': 'FMP pays for treatment of VA-rated service-connected conditions outside the US. Reimbursement model — you pay the Japanese provider, then file claims via VA Manila.',
      'veteran.healthcare.jp_note': 'Most US-style direct VA healthcare is not available in Japan. FMP (for SC conditions) and TRICARE Overseas Program (for retirees) operate as reimbursement programs — you pay Japanese providers cash, file claims, get reimbursed. Keep ALL receipts in your Document Vault.',

      'veteran.education.empty':    'No GI Bill / education benefits recorded. Click Edit to add your benefit type and remaining months.',
      'veteran.education.benefit_type': 'Benefit program',
      'veteran.education.months_remaining': 'Months remaining',
      'veteran.education.expiration': 'Expiration date',
      'veteran.education.expiration.help': 'Pre-2013 dischargees: 15 years from separation. Post-2013 dischargees benefit from the Forever GI Bill — leave blank.',
      'veteran.education.transferred': 'Transferred to spouse / dependents',
      'veteran.education.transferred.help': 'Transfer must happen during active service with 4+ years of service remaining. Once transferred, can\'t be reclaimed by the servicemember.',

      'veteran.survivor.note':      'SGLI lapses 120 days after separation. Convert to VGLI within 240 days for no-medical-questions eligibility (up to your SGLI amount). After 485 days the conversion option is permanently lost.',
      'veteran.survivor.sgli.help': 'Active duty / drill coverage. Default $400K. Auto-cancels 120 days post-separation.',
      'veteran.survivor.vgli.help': 'Post-separation conversion of SGLI. Up to your prior SGLI amount, max $400K. Premium age-based.',

      'veteran.jp_resources.intro': 'Key resources for US veterans living in or moving to Japan.',
      'veteran.jp_resources.manila.title': 'VA Manila Regional Benefit Office',
      'veteran.jp_resources.manila.body':  'The VA office serving Asia-Pacific veterans. Handles compensation, pension, education, and survivor benefit claims for Japan-resident vets. Toll-free from Japan: +63-2-8550-3888 (during US business hours).',
      'veteran.jp_resources.fmp.title':    'Foreign Medical Program (FMP)',
      'veteran.jp_resources.fmp.body':     'Enroll once, then VA reimburses Japanese providers for treatment of your service-connected conditions. Even one SC condition is worth enrolling for — covers everything from a 10% tinnitus exam to major SC-related surgery.',
      'veteran.jp_resources.tricare_overseas.title': 'TRICARE Overseas Program (TOP)',
      'veteran.jp_resources.tricare_overseas.body':  'Retiree healthcare in Japan. Reimbursement model — most providers don\'t bill TRICARE directly. Use the TOP claims office in Manila or online claims submission. International SOS coordinates emergency care.',
      'veteran.jp_resources.ebenefits.title': 'VA.gov account',
      'veteran.jp_resources.ebenefits.body':  'Set up VA.gov login.gov access while you have a US phone number for SMS verification. Some functions are difficult to access from a Japan-only phone.',
      'veteran.jp_resources.sofa.title':      'SOFA + VA interaction',
      'veteran.jp_resources.sofa.body':       'SOFA-status individuals (active duty, DoD civilians, SOFA contractors) typically use TRICARE / military medical facilities for primary care, with FMP as a separate path for SC conditions. Once SOFA ends and you\'re a regular Japan resident, JP National Health Insurance becomes your primary coverage and FMP/TRICARE supplement.',
      // ====================================================================
      // Contacts module (v0.56)
      // ====================================================================
      'contacts.title':                 'Contacts',
      'contacts.intro':                 'Unified address book — auto-derived from your assets, providers, insurance, and family, plus built-in contacts for your situation (VA for veterans, US Embassy for citizens abroad, etc.). Add personal contacts manually.',
      'contacts.add':                   'Add contact',
      'contacts.add.title':             'Add contact',
      'contacts.edit':                  'Edit contact',
      'contacts.delete':                'Delete',
      'contacts.save':                  'Save',
      'contacts.cancel':                'Cancel',
      'contacts.delete.confirm':        'Delete contact "{{name}}"?',
      'contacts.dismiss.confirm':       'Hide built-in contact "{{name}}" from this list? You can re-show it from Settings.',
      'contacts.dismiss.help':          'Hide this built-in contact',
      'contacts.empty.body':            'No contacts yet. Add assets, dental providers, insurance cards, or family members from their modules, or click "+ Add contact" to enter one manually.',
      'contacts.search.placeholder':    '🔍 Search across all contacts — names, organizations, phones, emails…',
      'contacts.search.none':           'No contacts match your search.',
      'contacts.aiEnriched':            'AI-enriched {{date}}',
      'contacts.enhance.help':          'Enhance with AI: fill missing fields (website, hours, address, phone) from public knowledge',
      'contacts.enhance.builtinNote':   'Built-in contacts use static contact info to ensure accuracy. To override, hide the built-in (× button) and add a manual contact.',
      // Stats
      'contacts.stats.total':           'total',
      'contacts.stats.auto':            'auto',
      'contacts.stats.manual':          'manual',
      // Categories
      'contacts.cat.emergency':         'Emergency',
      'contacts.cat.family':            'Family',
      'contacts.cat.medical':           'Medical providers',
      'contacts.cat.dental':            'Dental providers',
      'contacts.cat.insurance':         'Insurance',
      'contacts.cat.financial':         'Financial institutions',
      'contacts.cat.military_va':       'Military / VA',
      'contacts.cat.us_government':     'US government',
      'contacts.cat.japan_government':  'Japan government',
      'contacts.cat.professional':      'Professional services',
      'contacts.cat.personal':          'Personal',
      'contacts.cat.count':             '{{n}} contact(s)',
      // Fields
      'contacts.field.category':        'Category',
      'contacts.field.name':            'Name',
      'contacts.field.name.required':   'Name is required.',
      'contacts.field.nameJp':          'Name (Japanese)',
      'contacts.field.organization':    'Organization',
      'contacts.field.type':            'Role / type',
      'contacts.field.type.help':       'Free-form: "Brother", "Estate attorney", "CPA", "Primary care", etc.',
      'contacts.field.phone':           'Phone',
      'contacts.field.email':           'Email',
      'contacts.field.website':         'Website',
      'contacts.field.hours':           'Hours',
      'contacts.field.address':         'Address',
      'contacts.field.notes':           'Notes',
      'contacts.field.emergency':       'Emergency contact (surface at top)',
      'profile.title': 'Profile & status',
      'profile.answers': 'Your onboarding answers',
      'profile.tracks': 'Your assigned tracks',
      'profile.rerun': 'Re-run onboarding',
      'profile.empty': 'Onboarding has not been completed yet.',
      'profile.no_name': '(no name set)',
      'profile.onboarded_on': 'Onboarded on',

      'profile.section.quickstats': 'Quick stats',
      'profile.section.tracks':     'Active tracks (with derivation)',
      'profile.section.answers':    'Onboarding answers (decoded)',
      'profile.section.modstat':    'Module population status',
      'profile.section.settings':   'Settings shortcuts',
      'profile.section.data':       'Data management',

      'profile.stat.tracks':            'Active tracks',
      'profile.stat.tracks_active':     'audience-segment categories',
      'profile.stat.modules':           'Modules unlocked',
      'profile.stat.modules_unlocked':  'available on dashboard',
      'profile.stat.actions':           'Open action items',
      'profile.stat.actions_open':      'awaiting your attention',
      'profile.stat.actions_caught_up': 'all caught up',
      'profile.stat.last_review':       'Last annual review',
      'profile.stat.last_review_none':  'never run — try the wizard',

      'profile.tracks.intro':         'Tracks are derived from your onboarding answers. Each track unlocks one or more dashboard modules. The reasoning shows exactly which onboarding answers triggered each track — useful for verifying your data is interpreted as you expect.',
      'profile.tracks.empty':         'No tracks assigned. Re-run onboarding to set your situation.',
      'profile.tracks.triggered_by':  'Triggered by',
      'profile.tracks.open_module':   'Open the module for this track',

      'profile.answers.intro':        'Your onboarding answers, grouped by category and decoded into human-readable form. Click the ✎ pencil next to any row to update just that answer; the wizard saves and returns you here.',
      'profile.answers.not_set':      'Not set',
      'profile.answers.edit_one':     'Edit this answer',
      'profile.group.identity':       'Identity',
      'profile.group.residency':      'Residency',
      'profile.group.employment':     'Employment',
      'profile.group.veteran':        'Veteran service',
      'profile.group.family':         'Family & household',
      'profile.group.property':       'Property',
      'profile.group.health':         'Healthcare coverage',
      'profile.group.planning':       'Planning horizon',
      'profile.group.tools':          'Tools & AI consent',

      'profile.modstat.intro':        '{{populated}} of {{total}} modules have data populated. Empty modules still appear on the dashboard but offer the most value once you fill them in.',
      'profile.modstat.assets':       'Assets — accounts',
      'profile.modstat.fbar':         'FBAR — accounts',
      'profile.modstat.docs':         'Document Vault — items',
      'profile.modstat.family':       'Family — members',
      'profile.modstat.property':     'Real Estate — properties',
      'profile.modstat.snapshots':    'Net Worth — snapshots',
      'profile.modstat.gifts':        'Family — gift log',
      'profile.modstat.ai_chats':     'Ask Taigan — saved conversations',

      'profile.settings.api_key':     'Claude API key',
      'profile.settings.api_key_set': 'Set — Ask Taigan + vision features available',
      'profile.settings.api_key_missing': 'Not set — add to enable AI features',
      'profile.settings.theme':       'Theme',
      'profile.settings.theme_dark':  'Dark mode',
      'profile.settings.theme_light': 'Light mode',
      'profile.settings.language':    'Language',
      'profile.settings.open':        'Open',

      'profile.data.intro':           'Export your full Taigan Bridge state for backup, advisor sharing, or migration to another device. Import overwrites all current data.',
      'profile.data.export':          'Export state (JSON)',
      'profile.data.import':          'Import state (JSON)',
      'profile.data.import_confirm':  'Importing will REPLACE all current data with the contents of the file. Continue?',
      'profile.data.import_success':  'Import successful. Reloading view…',
      'profile.data.import_error':    'Import failed',
      'profile.data.open_settings':   'Open Settings for advanced options',
      'settings.title': 'Settings',
      'settings.api.title': 'Claude API key (optional)',
      'settings.api.help': 'Stored only in this browser. Used for direct calls to api.anthropic.com when AI features are invoked.',
      'settings.api.placeholder': 'sk-ant-...',
      'settings.api.save': 'Save',
      'settings.api.clear': 'Clear key',
      'settings.api.clear.confirm': 'Clear the saved Claude API key from this browser?',
      'settings.api.intro.before': 'Enter your ',
      'settings.api.intro.linkLabel': 'Anthropic API key',
      'settings.api.intro.after': ' to use AI features. Key stored locally only — never transmitted except to Anthropic.',
      'settings.api.status.set': 'Key set: {{masked}}',
      'settings.api.status.unset': 'No key set — AI features disabled.',
      'settings.api.demo.locked': 'API key entry is disabled in the live demo, so no one can accidentally save a real key here. Download the app to run it locally and use AI features with your own key.',
      'settings.import.success': 'Imported successfully.',
      'settings.import.failed': 'Import failed',
      'settings.lang.title': 'Language',
      'settings.ai.title': 'AI & API key',
      'settings.ai.model.label': 'AI model',
      'settings.ai.usage.title': 'Token usage monitoring',
      'settings.ai.usage.inputToday': 'Input tokens today',
      'settings.ai.usage.outputToday': 'Output tokens today',
      'settings.ai.usage.costToday': 'Est. cost today',
      'settings.ai.usage.dailyLimit': 'Daily limit ($):',
      'settings.ai.usage.allTime': 'All-time: {{cost}} ({{tokens}} tokens)',
      'settings.ai.usage.resetToday': 'Reset Today',
      'settings.ai.usage.resetConfirm': "Reset today's usage counter to zero? (Does not affect all-time totals.)",
      'settings.ai.credits.title': 'API credit balance',
      'settings.ai.credits.buyLink': 'Buy credits at Anthropic',
      'settings.ai.credits.remaining': 'Remaining balance',
      'settings.ai.credits.purchased': 'Purchased {{amount}}',
      'settings.ai.credits.spent': 'Spent {{amount}} since {{since}}',
      'settings.ai.credits.reconciledOn': 'reconciled {{date}}',
      'settings.ai.credits.reconcile': 'Reconcile',
      'settings.ai.credits.reconcilePrompt': 'Enter your actual remaining balance from console.anthropic.com (USD):',
      'settings.ai.credits.reconcileInvalid': 'Please enter a positive number.',
      'settings.ai.topup.title': 'Log a top-up',
      'settings.ai.topup.purchaseDate': 'Purchase date',
      'settings.ai.topup.amount': 'Amount ($)',
      'settings.ai.topup.amountPlaceholder': 'e.g. 25',
      'settings.ai.topup.type': 'Type',
      'settings.ai.topup.expiration': 'Expiration date (optional)',
      'settings.ai.topup.expirationHint': '',
      'settings.ai.topup.add': 'Add',
      'settings.ai.topup.help': 'Purchase date determines when usage starts counting against this credit. Expired top-ups are dimmed and excluded from the balance.',
      'settings.ai.topup.invalidAmount': 'Enter a positive amount.',
      'settings.ai.topup.type.topup': 'Top-up',
      'settings.ai.topup.type.grant': 'Credit grant',
      'settings.ai.topup.type.refund': 'Refund',
      'settings.ai.topup.historyTitle': 'Top-up history',
      'settings.ai.topup.empty': 'No top-ups logged yet. Add one above to start tracking your credit balance.',
      'settings.ai.topup.col.date': 'Date',
      'settings.ai.topup.col.type': 'Type',
      'settings.ai.topup.col.expires': 'Expires',
      'settings.ai.topup.col.amount': 'Amount',
      'settings.ai.topup.removeConfirm': 'Remove this top-up entry?',
      // API key health check + rotation
      'settings.api.health.title': 'Send a 1-token ping to verify the key works',
      'settings.api.health.test': 'Test key',
      'settings.api.health.testing': 'Testing…',
      'settings.api.health.noKey': 'No key set — nothing to test.',
      'settings.api.health.ok': 'Key works · {{model}} · {{ms}} ms',
      'settings.api.health.err.no_key': 'No API key configured.',
      'settings.api.health.err.invalid_key': 'API rejected the key (401). Re-paste from console.anthropic.com.',
      'settings.api.health.err.forbidden': 'Key forbidden from this model (403). Check your workspace permissions.',
      'settings.api.health.err.rate_limited': 'Rate limited (429). Wait a moment and try again.',
      'settings.api.health.err.server_error': 'Anthropic server error. Try again shortly.',
      'settings.api.health.err.network': 'Network error — couldn’t reach api.anthropic.com.',
      'settings.api.health.err.unknown': 'Unknown error.',
      'settings.api.rotation.due': 'Key is {{days}} days old. Anthropic recommends rotating periodically — clear and re-paste from a fresh console.anthropic.com key.',
      // AI Usage Dashboard
      'settings.dashboard.title': 'AI usage dashboard',
      'settings.dashboard.help': 'Where your Claude credits go, broken down by feature, model, and day. CSV exports are deductible-business-expense friendly.',
      'settings.dashboard.empty': 'No AI calls recorded yet. Run an FBAR extraction, asset enrichment, or ask Taigan a question to start tracking.',
      'settings.dashboard.summary.mtd': 'Month-to-date',
      'settings.dashboard.summary.last30': 'Last 30 days',
      'settings.dashboard.summary.lifetime': 'Lifetime',
      'settings.dashboard.summary.avgPerCall': 'Avg / call',
      'settings.dashboard.summary.avgHelp': 'lifetime average',
      'settings.dashboard.summary.calls': '{{n}} calls',
      'settings.dashboard.chart.title': 'Cost per day (last 30)',
      'settings.dashboard.chart.aria': 'Bar chart of estimated AI cost in USD over the last {{days}} days.',
      'settings.dashboard.chart.window': 'Last {{n}} days',
      'settings.dashboard.chart.totals': 'Window total: {{cost}} · {{calls}} calls',
      'settings.dashboard.byFeature.title': 'By feature (lifetime)',
      'settings.dashboard.byFeature.empty': 'No per-feature data yet — older calls are recorded as "unattributed".',
      'settings.dashboard.byModel.title': 'By model (lifetime)',
      'settings.dashboard.byModel.empty': 'No per-model data yet.',
      'settings.dashboard.monthly.title': 'Monthly aggregates (last 12)',
      'settings.dashboard.monthly.empty': 'No monthly data yet.',
      'settings.dashboard.export.csv': 'Export daily totals (CSV)',
      'settings.dashboard.export.csvByFeature': 'Export by-feature (CSV)',
      'settings.dashboard.export.help': 'Opens in Excel / Numbers / Sheets. Use for tax-deduction tracking if AI is a business expense.',
      'settings.dashboard.col.feature': 'Feature',
      'settings.dashboard.col.model': 'Model',
      'settings.dashboard.col.pricing': 'Pricing',
      'settings.dashboard.col.calls': 'Calls',
      'settings.dashboard.col.tokens': 'Tokens',
      'settings.dashboard.col.inTokens': 'Input',
      'settings.dashboard.col.outTokens': 'Output',
      'settings.dashboard.col.last30': 'Last 30d',
      'settings.dashboard.col.lifetime': 'Lifetime',
      'settings.dashboard.col.share': 'Share',
      'settings.dashboard.col.trend': 'Trend (30d)',
      'settings.dashboard.col.month': 'Month',
      'settings.dashboard.col.cost': 'Cost',
      'settings.dashboard.feature.chat': 'Chat (general)',
      'settings.dashboard.feature.fbar_chat': 'FBAR Q&A',
      'settings.dashboard.feature.fbar_vision': 'FBAR document extraction',
      'settings.dashboard.feature.fbar_enrichment': 'FBAR institution enrichment',
      'settings.dashboard.feature.asset_vision': 'Asset statement extraction',
      'settings.dashboard.feature.asset_enrichment': 'Asset institution enrichment',
      'settings.dashboard.feature.document_vision': 'Document Vault extraction',
      'settings.dashboard.feature.medical_vision': 'Health Tracker lab / exam extraction',
      'settings.dashboard.feature.ask_taigan': 'Ask Taigan',
      'settings.dashboard.feature.health_check': 'API key health check',
      'settings.dashboard.feature.other': 'Other / unattributed',
      // AI Consent (per-call modal + Settings card)
      'ai.consent.modal.title':         'Confirm AI request',
      'ai.consent.modal.intro':         'You\'re about to send a request to Claude for the "{{feature}}" feature. This message previews exactly what data leaves your browser.',
      'ai.consent.modal.whatSent':      'What gets sent',
      'ai.consent.modal.estCost':       'Estimated cost: ${{usd}} (final cost from Claude appears in your Usage dashboard after the call)',
      'ai.consent.modal.dontAskSession': 'Don\'t ask again this session for "{{feature}}" (resets on reload)',
      'ai.consent.modal.cancel':        'Cancel',
      'ai.consent.modal.send':          'Send',
      'ai.consent.modal.openSettings':  'Change AI consent for this feature permanently',
      // Settings → AI Consent card
      'settings.consent.title':         'AI consent',
      'settings.consent.banner.full.title':         '✓ Full AI access',
      'settings.consent.banner.full.body':          'All AI features run without per-call confirmation. Cost still tracked in the Usage dashboard.',
      'settings.consent.banner.per_call.title':     '🤚 Per-call confirmation',
      'settings.consent.banner.per_call.body':      'Each AI request shows a modal with the data preview + cost estimate before sending. You can mark "don\'t ask again this session" per feature.',
      'settings.consent.banner.vision_only.title':  '👁 Vision only',
      'settings.consent.banner.vision_only.body':   'Document-extraction features (FBAR / asset / Vault) run silently; chat, enrichment, and Ask Taigan are blocked. Override per-feature below.',
      'settings.consent.banner.off.title':          '⛔ AI disabled',
      'settings.consent.banner.off.body':           'All AI features are blocked. The API-key health-check still runs since it\'s an explicit infrastructure test. Override per-feature below to allow specific calls.',
      'settings.consent.posture.title': 'Default behavior',
      'settings.consent.opt.full.title':         'Full — no per-call confirmation',
      'settings.consent.opt.full.help':          'All AI features run silently. Recommended once you\'ve calibrated trust + cost.',
      'settings.consent.opt.per_call.title':     'Per-call confirmation',
      'settings.consent.opt.per_call.help':      'Show a modal before each AI request. Reviews what gets sent + estimated cost.',
      'settings.consent.opt.vision_only.title':  'Vision only',
      'settings.consent.opt.vision_only.help':   'Allow document-extraction features (vision); block chat, enrichment, Ask Taigan.',
      'settings.consent.opt.off.title':          'Off — no AI',
      'settings.consent.opt.off.help':           'Block all AI features. Modules still work for everything that doesn\'t need Claude.',
      'settings.consent.overrides.title': 'Per-feature overrides',
      'settings.consent.overrides.intro': '"Inherit" follows the default above. "Allow" forces the feature on (skips the per-call prompt; works even when the default is Off or Vision-only). "Deny" blocks it even when the default is Full.',
      'settings.consent.col.feature':    'Feature',
      'settings.consent.col.type':       'Type',
      'settings.consent.col.override':   'Override',
      'settings.consent.override.inherit': 'Inherit',
      'settings.consent.override.allow':   'Allow',
      'settings.consent.override.deny':    'Deny',
      'settings.consent.type.vision':    'Vision',
      'settings.consent.type.chat':      'Chat',
      // Accessibility
      'settings.a11y.title': 'Display & accessibility',
      'settings.a11y.help': 'Tune the interface for comfortable reading. Settings persist in this browser and apply across all modules.',
      'settings.a11y.fontScale': 'Text size',
      'settings.a11y.highContrast': 'High contrast',
      'settings.a11y.highContrastHelp': 'Darker borders + always-visible focus ring. Helpful in bright environments or for low-vision use.',
      'settings.a11y.reducedMotion': 'Reduce motion',
      'settings.a11y.reducedMotionHelp': 'Disables animations and transitions. Honors your OS prefers-reduced-motion setting too.',
      // FX Rates settings card
      'settings.fx.title': 'FX Rates (Treasury Reporting Rates of Exchange)',
      'settings.fx.help': 'FBAR uses the U.S. Treasury Year-End rate (Dec 31). Refresh fetches live rates from the Fiscal Data API at fiscaldata.treasury.gov. Stays in your browser; no auth required.',
      'settings.fx.lastFetched': 'Last fetched: {{when}}',
      'settings.fx.neverFetched': 'No live rates fetched yet — using built-in placeholders. Click Refresh to pull current Treasury rates.',
      'settings.fx.fetchedYears': 'Live (Treasury): {{years}}',
      'settings.fx.hardcodedYears': 'Built-in placeholders: {{years}}',
      'settings.fx.fetchErrors': '{{count}} year(s) failed to fetch',
      'settings.fx.none': 'none',
      'settings.fx.refresh': 'Refresh from Treasury',
      'settings.fx.refreshing': 'Fetching…',
      'settings.fx.refreshScope': 'Will fetch year-end rates for: {{years}}',
      'settings.fx.refreshSuccess': 'Refreshed {{years}} year(s). {{errors}} error(s).',
      'settings.fx.refreshFailed': 'Refresh failed',
      'settings.fx.tableToggle': 'Show fetched rates table',
      'settings.fx.col.year': 'Year',
      'settings.export.title': 'Export your data',
      'settings.export.help': 'Download a JSON snapshot of your state. Re-import on another device or after clearing storage.',
      'settings.export.do': 'Download backup',
      'settings.import.title': 'Import a backup',
      'settings.import.do': 'Choose file',
      'settings.import.dropHint': 'or drop a .json file anywhere on this card',
      'settings.import.drop': 'Drop backup .json to restore',
      'settings.import.demoDisabled': 'Restoring a backup is disabled in the live demo. Download the app to import your own data.',
      'settings.danger.title': 'Delete all my data',
      'settings.danger.help': 'Wipes Taigan Bridge’s entry from this browser’s local storage. Cannot be undone.',
      'settings.danger.do': 'Delete everything',
      'settings.danger.confirm': 'Are you sure? This cannot be undone.',
      'settings.danger.confirm2': 'Truly sure? Type DELETE to confirm.',

      // ----- SOFA Roth Sequencing Planner (v0.3.x) ----------------
      'sofa.title': 'SOFA Roth Sequencing Planner',
      'sofa.subtitle': 'The window between active SOFA status and 住民票 registration is where U.S.-tax-only sequencing happens. Miss the window and Japan taxes the same moves at marginal rates that often double the effective cost.',
      'sofa.yes': 'Yes',
      'sofa.no': 'No',
      'sofa.na': 'N/A',

      'sofa.disclaimer.cost.headline': '⚠ Cost-of-mistake is high',
      'sofa.disclaimer.cost.body': 'Misordering Roth conversions, capital-gains realization, RSU vests, or 住民票 timing can be extraordinarily costly — often six figures USD for a typical retirement balance. This tool surfaces the right questions, not definitive answers. You MUST confirm with a CPA familiar with U.S./Japan cross-border tax before acting.',
      'sofa.disclaimer.title': 'About this module',
      'sofa.disclaimer.body': 'Taigan Bridge organizes the order of operations for U.S. persons under SOFA in Japan who are planning to register 住民票 and become Japan tax residents. It does not file taxes, give legal advice, or replace professional counsel. Treaty interpretations and NTA practice change; always verify current rules with a qualified U.S./Japan cross-border CPA.',
      'sofa.disclaimer.ack.educational': 'I understand this is an educational tool — not financial, tax, or legal advice — and I will consult a qualified CPA before acting on anything shown here.',
      'sofa.disclaimer.ack.cpa': 'I have already consulted (or have an appointment scheduled with) a CPA familiar with U.S./Japan cross-border tax. (Optional — record only; not required to proceed.)',
      'sofa.disclaimer.continue': 'I understand — continue',

      'sofa.tab.overview': 'Overview',
      'sofa.tab.profile':  'Profile',
      'sofa.tab.accounts': 'Accounts',
      'sofa.tab.sequence': 'Sequence',
      'sofa.tab.risks':    'Risks',

      'sofa.deadline.unknown': 'Deadline TBD',
      'sofa.deadline.past':    '{{date}} ({{days}} days ago)',
      'sofa.deadline.today':   '{{date}} (today)',
      'sofa.deadline.soon':    '{{date}} (in {{days}} days)',
      'sofa.deadline.future':  '{{date}} (in {{days}} days)',

      'sofa.overview.empty.title': 'Tell us your situation',
      'sofa.overview.empty.body': 'The Sequence and Risks tabs are computed from your SOFA role + Japan-residency plan. Fill in the Profile tab first to unlock them.',
      'sofa.overview.empty.cta': 'Open Profile →',
      'sofa.overview.window.title': 'Your sequencing window',
      'sofa.overview.window.notStaying': 'Your residency plan is not "stay in Japan" — most SOFA-Roth-sequencing risks don\'t apply. Update on the Profile tab if your plan changes.',
      'sofa.overview.window.separation': 'SOFA / employment ends',
      'sofa.overview.window.juminhyou': '住民票 target',
      'sofa.overview.window.daysLeft': 'Days until 住民票',
      'sofa.overview.actions.title': 'Top recommended actions',
      'sofa.overview.actions.intro': 'Highest-severity items from your sequence. Open the Sequence tab for the full list and to mark items as planned / executed.',
      'sofa.overview.actions.viewAll': 'View all {{count}} sequence items →',
      'sofa.overview.quicklinks': 'Quick links',
      'sofa.overview.ql.profile':  'Edit profile',
      'sofa.overview.ql.accounts': 'Enter account balances',
      'sofa.overview.ql.risks':    'Read the risks',

      'sofa.profile.title': 'Profile',
      'sofa.profile.intro': 'Your situation drives every recommendation in this module. Fill these in honestly — none of it is transmitted anywhere.',
      'sofa.profile.choose': 'choose…',
      'sofa.profile.role': 'SOFA role',
      'sofa.profile.role.help': 'How you qualify for SOFA status. If you\'re a dependent / family member of a SOFA-status sponsor, pick that.',
      'sofa.profile.sofa_status': 'Current SOFA status',
      'sofa.profile.separation_date': 'SOFA / employment end date',
      'sofa.profile.separation_date.help': 'When your SOFA status ends — orders end-date, retirement date, contract end, etc. Leave blank if not applicable.',
      'sofa.profile.juminhyou_target_date': '住民票 target date',
      'sofa.profile.juminhyou_target_date.help': 'When you plan to register your address in Japan after losing SOFA status. This is the hard deadline for most pre-residency moves.',
      'sofa.profile.jp_residency_plan': 'Japan residency plan',
      'sofa.profile.jp_residency_plan.help': 'If you\'re leaving Japan, most of this module doesn\'t apply. If you\'re staying long-term, the Sequence tab is the meat of the tool.',
      'sofa.profile.filing_status': 'U.S. filing status',
      'sofa.profile.spouse_us': 'Spouse is a U.S. person?',
      'sofa.profile.minor_children': 'Have minor children?',
      'sofa.profile.notes': 'Notes',
      'sofa.profile.notes.placeholder': 'Anything else relevant — pending CPA appointment, planned dates, etc.',

      'sofa.accounts.title': 'Accounts',
      'sofa.accounts.intro': 'Approximate USD balances. The Sequence and Risks tabs use these to size and order recommendations. Round numbers are fine — these aren\'t for filing.',
      'sofa.accounts.privacy': 'These numbers stay in your browser. Nothing is transmitted to Anthropic or anywhere else.',
      'sofa.accounts.section.retirement': 'Retirement accounts',
      'sofa.accounts.section.taxable':    'Taxable brokerage',
      'sofa.accounts.section.equity':     'Equity compensation',
      'sofa.accounts.section.realestate': 'U.S. real estate',
      'sofa.accounts.section.tax':        'Tax bracket assumptions',
      'sofa.accounts.traditional_ira': 'Traditional IRA balance (USD)',
      'sofa.accounts.traditional_ira.help': 'All traditional / pre-tax IRAs combined.',
      'sofa.accounts.traditional_401k_tsp': 'Traditional 401(k) / TSP (USD)',
      'sofa.accounts.roth_ira':  'Roth IRA balance (USD)',
      'sofa.accounts.roth_401k': 'Roth 401(k) / Roth TSP (USD)',
      'sofa.accounts.hsa': 'HSA balance (USD)',
      'sofa.accounts.hsa.help': 'Japan does not recognize HSA tax treatment. Reporting and withdrawal logic differ from U.S. — flagged for risk discussion.',
      'sofa.accounts.taxable_value': 'Taxable brokerage value (USD)',
      'sofa.accounts.taxable_basis': 'Taxable brokerage cost basis (USD)',
      'sofa.accounts.taxable_basis.help': 'Approximate aggregate basis. Unrealized gain = value − basis.',
      'sofa.accounts.rsu_unvested': 'Unvested RSU value (USD)',
      'sofa.accounts.options': 'NSO / ISO unrealized value (USD)',
      'sofa.accounts.deferred_comp': 'Deferred-comp balance (USD)',
      'sofa.accounts.re_value': 'U.S. real estate value (USD)',
      'sofa.accounts.re_basis': 'U.S. real estate cost basis (USD)',

      'sofa.tax.us_marginal': 'U.S. marginal income-tax rate (%)',
      'sofa.tax.us_marginal.help': 'Your federal marginal bracket. Used for sizing the Roth-conversion window.',
      'sofa.tax.us_ltcg': 'U.S. long-term capital-gains rate (%)',
      'sofa.tax.jp_marginal': 'Expected Japan marginal rate post-住民票 (%)',
      'sofa.tax.jp_marginal.help': 'National + local. Most U.S. expats land in 33-43% combined.',
      'sofa.tax.jp_ltcg': 'Japan securities tax rate (%)',
      'sofa.tax.jp_ltcg.help': 'Standard rate is 20.315% (15.315% national + 5% local).',

      'sofa.sequence.title': 'Action sequence',
      'sofa.sequence.intro': 'The order of operations, generated from your profile and accounts. Highest severity first; ties broken by deadline.',
      'sofa.sequence.profileFirst': 'Set your profile first — the sequence is computed from it.',
      'sofa.sequence.empty': 'No actions to recommend with the current profile.',
      'sofa.sequence.bucket.pending':   'Pending',
      'sofa.sequence.bucket.planned':   'Planned',
      'sofa.sequence.bucket.executed':  'Executed',
      'sofa.sequence.bucket.dismissed': 'Dismissed',

      'sofa.severity.critical': 'Critical',
      'sofa.severity.high':     'High',
      'sofa.severity.medium':   'Medium',
      'sofa.severity.info':     'Info',

      'sofa.action.markPlanned':  'Mark as planned',
      'sofa.action.markExecuted': 'Mark as executed',
      'sofa.action.dismiss':      'Dismiss',
      'sofa.action.unplan':       'Reopen',
      'sofa.action.reopen':       'Reopen',
      'sofa.action.cancel':       'Cancel',
      'sofa.executed.on':         'Executed on {{date}}',
      'sofa.dismissed':           'Dismissed',

      // Asset-integration audit (Phase 4)
      'sofa.accounts.empty.cta':  'No accounts in this wrapper.',
      'sofa.accounts.empty.link': 'Add one in Assets',
      'sofa.step.noAssets':       'No {{wrappers}} accounts in your portfolio. Add one to enable this step.',
      'sofa.step.openAssets':     'Open Assets',
      'sofa.step.affectsAccounts': 'Will affect:',
      'sofa.step.planInProjections': 'Plan in Projections →',
      'sofa.step.viewProjection':    'View in Projection chart →',

      'sofa.executed.modal.title': 'Confirm execution',
      'sofa.executed.modal.criticalHeadline': '⚠ This is a CRITICAL step',
      'sofa.executed.modal.criticalBody': 'Critical steps have high cost-of-mistake. Confirm you have completed the action and reviewed it with your CPA before marking it executed.',
      'sofa.executed.modal.ack1': 'I have actually executed this action (or my advisor has).',
      'sofa.executed.modal.ack2': 'I have recorded the supporting paperwork (1099-R, transfer confirmation, brokerage statement) somewhere I can find it.',
      'sofa.executed.modal.ack3': 'My CPA has reviewed this specific action and approved the timing relative to my 住民票 plan.',
      'sofa.executed.modal.dateLabel': 'Execution date',
      'sofa.executed.modal.amountLabel': 'Amount executed (USD, optional)',
      'sofa.executed.modal.notesLabel': 'Notes (optional)',
      'sofa.executed.modal.confirm': 'Confirm executed',

      'sofa.risks.title': 'Cost-of-mistake risks',
      'sofa.risks.intro': 'Each block below describes a class of mistake that is expensive in the SOFA → 住民票 transition. Read them BEFORE acting on the Sequence tab.',
      'sofa.risks.roth.title': 'Roth conversion done after 住民票',
      'sofa.risks.roth.body': 'Japan does not recognize the Roth tax wrapper. A Roth conversion done after registering 住民票 is taxed by Japan as ordinary income — at marginal rates that may double the U.S.-only cost. Tax-loss harvest, IRMAA bracket games, and partial-year Roth strategies all depend on completing conversions BEFORE 住民票. This is the single largest cost-of-mistake item for most users.',
      'sofa.risks.ltcg.title': 'Long-term capital gains realized post-住民票',
      'sofa.risks.ltcg.body': 'Pre-住民票, U.S. long-term capital gains are taxed at 0/15/20% federal only. Post-住民票, Japan also taxes at 20.315% (national + local), and the JPY-basis recomputation often inflates the gain because of yen weakening since acquisition. For low-basis legacy positions, the post-住民票 cost can exceed the U.S.-only cost by a wide margin.',
      'sofa.risks.pfic.title': 'PFIC trap (Japanese mutual funds / 投資信託 / NISA)',
      'sofa.risks.pfic.body': 'Most Japan-domiciled mutual funds and ETFs are PFICs (Passive Foreign Investment Companies) under U.S. tax law. PFIC tax treatment is punitive — ordinary-income rates on gains, additional interest charges, Form 8621 per fund per year. NISA and iDeCo, which sound attractive, are usually PFIC traps for U.S. persons. Stay in U.S.-domiciled funds via a U.S.-based brokerage that supports Japan residents.',
      'sofa.risks.exit.title': 'Japan exit-tax (出国税) on 1億 JPY+ securities',
      'sofa.risks.exit.body': 'If you become a long-term Japan resident (5+ years in any 10-year window) AND hold ¥100M+ in covered securities, leaving Japan triggers a deemed-disposition exit tax on unrealized gains. The math depends on JPY-basis at the moment of becoming a resident. Tracking this from day one of 住民票 is essential.',
      'sofa.risks.inheritance.title': 'Japan inheritance / gift tax 10-year lookback',
      'sofa.risks.inheritance.body': 'Long-term Japan residents (10+ years in any 15-year window) are subject to Japan inheritance and gift tax on global assets — including bequests from U.S. relatives. Pre-住民票 transfers can avoid this; post-住民票 transfers typically cannot. Coordinate with both your CPA and a Japan-side estate professional well before any major intergenerational transfer.',
      'sofa.risks.rsu.title': 'RSU / option sourcing across the residency boundary',
      'sofa.risks.rsu.body': 'RSU and option income is sourced by where the work was performed across the vesting period. A grant that vests soon after 住民票 will have a Japan-source slice — Japan-taxable, even though the W-2 may show it as U.S. wages. Coordinate with your employer\'s payroll and your CPA to set up a clean split BEFORE the vest date.',

      // ----- Assets & Portfolio Tracker (v0.4.x) ------------------
      'assets.title': 'Assets & Portfolio',
      'assets.subtitle': 'Single source of truth for every account — US, Japan, retirement, taxable, real estate. Balances flow into the SOFA Roth Planner automatically.',
      'assets.empty.title': 'No accounts yet',
      'assets.empty.body': 'Add your first account to start tracking your portfolio. Balances entered here feed the SOFA Roth Sequencing Planner and the dashboard rollup.',
      'assets.add': 'Add account',
      'assets.edit': 'Edit',
      'assets.delete': 'Delete',
      'assets.archive': 'Close / archive',
      'assets.unarchive': 'Reactivate',
      'assets.show.archived': 'Show closed accounts',
      'assets.hide.archived': 'Hide closed accounts',
      // Asset deepening (v0.35) — review cards + linked docs + Ask Taigan
      'assets.review.beneficiary.title':    'Beneficiary review',
      'assets.review.beneficiary.intro':    'POD/TOD designations bypass probate AND surface in your survivor binder. Check each account where they apply.',
      'assets.review.beneficiary.allset':   'All {{n}} active accounts have a beneficiary set (or aren\'t the kind that needs one).',
      'assets.review.beneficiary.warn':     '{{n}} account(s) without a beneficiary',
      'assets.review.beneficiary.warn.body':'Without a POD/TOD, the account passes via your will (US side) or 法定相続人 rules (JP side). For US brokerage and retirement accounts, naming a beneficiary is the fastest fix.',
      'assets.review.beneficiary.add':      'Add beneficiary',

      'assets.review.yoy.title':            'Year-over-year change',
      'assets.review.yoy.intro':            'Compared to your snapshot from around {{date}}. Highlights accounts that moved ≥25% — could be growth, withdrawals, currency drift, or PFIC inflation.',
      'assets.review.yoy.steady':           'No accounts moved by more than 25% since last year — steady.',
      'assets.review.yoy.showAll':          'Show {{n}} steady account(s) too',

      'assets.review.tlh.title':            'Tax-loss harvesting (US accounts)',
      'assets.review.tlh.intro':            '{{n}} US position(s) below cost basis — {{total}} in unrealized losses. Realizing before Dec 31 offsets up to $3,000 of ordinary income / unlimited capital gains.',
      'assets.review.tlh.wash.title':       'Wash-sale rule:',
      'assets.review.tlh.wash.body':        'Buying a substantially identical security within 30 days before or after the sale disqualifies the loss. The same rule applies across all your accounts AND your spouse\'s. Coordinate with your broker / CPA before executing.',
      'assets.review.tlh.none':             'No US positions sit far enough below basis to make harvesting worthwhile (>$500 unrealized loss).',
      'assets.review.tlh.basis':            'basis',
      'assets.review.tlh.value':            'value',
      'assets.review.tlh.unrealized':       'unrealized loss',

      'assets.linkedDocs.label':            'Linked documents',
      'assets.askTaigan.btn':               'Ask',
      'assets.askTaigan.tooltip':           'Ask Taigan about the tax / planning considerations for this specific account',

      // CPA briefing generator (Tax Coordinator)
      'tax.cpa.title':                      'CPA / 税理士 briefing generator',
      'tax.cpa.intro':                      'One-click pre-meeting prep doc summarizing your situation, applicable forms, asset snapshot, and upcoming deadlines. Save your CPA 30 minutes of intake.',
      'tax.cpa.privacy.title':              'What\'s included:',
      'tax.cpa.privacy.body':               'Citizenship, visa status, family composition, applicable forms (with reasons), foreign-asset totals, per-account balances (institution names but NOT account numbers), upcoming deadlines, your preparer\'s name + notes. NEVER included: account numbers, SSNs, beneficiary names, raw passwords, or AI conversation history.',
      'tax.cpa.download':                   'Download Markdown',
      'tax.cpa.refineWithAi':               'Refine with AI',
      'tax.cpa.downloaded':                 'Briefing downloaded',

      // Ask Taigan — open-with-context
      'ask.context.blocked':                'Ask Taigan is currently disabled in your AI consent settings. Enable it in Settings → AI consent, or set a per-feature override for "ask_taigan".',

      'assets.summary.total': 'Total portfolio',
      'assets.summary.usd': 'USD',
      'assets.summary.jpy': 'JPY (≈)',
      'assets.summary.us': 'US accounts',
      'assets.summary.jp': 'Japan accounts',
      'assets.summary.bywrapper': 'By tax wrapper',
      'assets.summary.none': 'No active accounts to summarize.',
      'assets.summary.fxnote': 'Cross-currency totals use the planning FX rate. Override per account or in Settings.',

      'assets.group.byinst': 'Group by institution',
      'assets.group.bywrapper': 'Group by tax wrapper',
      'assets.group.bycountry': 'Group by country',

      'assets.field.institution': 'Institution',
      'assets.field.institution.help': 'Empower, Schwab, Yokohama Bank, etc.',
      'assets.field.name': 'Account name',
      'assets.field.name.help': 'How you want to see it labeled — e.g. "Roth IRA" or "Sony Bank checking".',
      'assets.field.country': 'Country',
      'assets.field.country.us': 'United States',
      'assets.field.country.jp': 'Japan',
      'assets.field.country.other': 'Other',
      'assets.field.tax_wrapper': 'Tax wrapper / type',
      'assets.field.currency': 'Currency',
      'assets.field.balance': 'Current balance',
      'assets.field.balance.native': 'Balance ({{currency}})',
      'assets.field.basis': 'Cost basis',
      'assets.field.basis.help': 'For taxable accounts and real estate. Drives U.S. LTCG and post-住民票 Japan-tax math.',
      'assets.field.notes': 'Notes',
      'assets.field.notes.help': 'Account number last-4, beneficiary, rate, contribution YTD, anything you want remembered.',
      'assets.field.updated_at': 'Last updated',
      'assets.field.include_in_sofa': 'Include in SOFA Roth Planner aggregation',
      'assets.field.include_in_sofa.help': 'Uncheck for 529 plans, kids\' accounts, or anything you don\'t want feeding the sequencing math.',
      'assets.field.close_date': 'Close / maturity date',
      'assets.field.transfer_to': 'Transfer-to account on close',

      'assets.wrapper.traditional_ira':       'Traditional IRA',
      'assets.wrapper.traditional_401k_tsp':  'Traditional 401(k) / TSP',
      'assets.wrapper.roth_ira':              'Roth IRA',
      'assets.wrapper.roth_401k':             'Roth 401(k)',
      'assets.wrapper.taxable_brokerage':     'Taxable brokerage',
      'assets.wrapper.hsa':                   'HSA',
      'assets.wrapper.rsu_unvested':          'Unvested RSUs',
      'assets.wrapper.nso_iso':               'NSO / ISO grants',
      'assets.wrapper.deferred_comp':         'Deferred compensation',
      'assets.wrapper.us_real_estate':        'U.S. real estate',
      'assets.wrapper.us_savings_bond':       'U.S. savings bond (Series I / EE)',
      'assets.wrapper.us_treasury':           'U.S. Treasury (bill / note / bond / TIPS)',
      'assets.wrapper.us_checking':           'U.S. checking',
      'assets.wrapper.us_savings':            'U.S. savings / money market',
      'assets.wrapper.us_cd':                 'U.S. CD / share certificate',
      'assets.wrapper.jp_savings':            'Japan savings (普通預金)',
      'assets.wrapper.jp_checking':           'Japan checking',
      'assets.wrapper.jp_fixed_deposit':      'Japan fixed deposit (定期 / 定額)',
      'assets.wrapper.529':                   '529 college savings',
      'assets.wrapper.other':                 'Other',

      'assets.modal.add.title':  'Add account',
      'assets.modal.edit.title': 'Edit account',
      'assets.modal.save': 'Save',
      'assets.modal.cancel': 'Cancel',
      'assets.modal.delete.confirm': 'Permanently delete this account? Use "Close / archive" instead if you just want to hide it.',

      'assets.stale.fresh': 'Updated today',
      'assets.stale.recent': 'Updated {{days}}d ago',
      'assets.stale.warn': '⚠ Stale ({{months}}mo)',
      'assets.stale.never': 'Never updated',

      'assets.gotosofa': 'Open SOFA Roth Planner',
      'assets.archived.label': 'Closed',

      // Phase 2 — upload + extraction
      'assets.upload.title': 'Upload statement to auto-fill',
      'assets.upload.button': '📎 Upload statement',
      'assets.upload.help': 'PNG, JPG, WEBP, GIF, or PDF up to 10MB. Click Upload OR drag a file onto this card. Sends the file to Claude for one-shot extraction. Nothing is stored on Anthropic\'s side beyond the request.',
      'assets.upload.drop': 'Drop statement to extract',
      'assets.upload.ex.passbook.title':    'Japanese passbook',
      'assets.upload.ex.passbook.body':     'Photograph or scan a 通帳 (any number of pages). Claude reads transactions, max balance, and the lockup-expiry/maturity dates.',
      'assets.upload.ex.pdf.title':         'PDF bank statement',
      'assets.upload.ex.pdf.body':          'Monthly or year-end PDF from your bank/brokerage. Multi-page is fine — extracts every account on the page.',
      'assets.upload.ex.screenshot.title':  'Online banking screenshot',
      'assets.upload.ex.screenshot.body':   'A screenshot of your account list page works too. Especially handy for Navy Federal, USAA, Schwab, Yokohama Bank, etc.',
      'assets.upload.ex.letter.title':      'Account summary letter / photo',
      'assets.upload.ex.letter.body':       'Mailed account statements, year-end letters, even a phone photo of a piece of paper from your bank.',
      'assets.upload.passbook.tip':         'Tip: For Japanese passbooks (通帳), photograph each page in order; Claude can stitch a multi-page passbook into a single account record with full balance history.',
      'assets.upload.no_key': 'Add your Claude API key in Settings to enable document upload.',
      'assets.upload.go_settings': 'Open Settings →',
      'assets.upload.processing': 'Extracting from {{filename}}…',
      'assets.upload.done': 'Auto-filled from {{filename}} (cost ≈ ${{cost}}). Review every field before saving.',
      'assets.upload.bulkadded': '✓ Added {{count}} accounts from {{filename}} (cost ≈ ${{cost}}). Edit each row to fill in any missing details.',
      'assets.upload.partial': 'Partial extraction — some fields couldn\'t be read. Check empty fields manually.',
      'assets.upload.error': 'Extraction failed: {{message}}',
      'assets.upload.observed': 'Other accounts also visible on this page (add them separately): {{names}}',

      // Phase 2 — beneficiary
      'assets.field.beneficiary': 'Beneficiary (POD / TOD / 受取人)',
      'assets.field.beneficiary.help': 'Free-form. Person\'s name, trust, charity, or organization. Used for the Survivor Binder export.',
      'assets.field.account_number_last4': 'Account number — last 4 only',
      'assets.field.account_number_last4.help': 'For disambiguation ("the one ending in 1234"). Never store the full number here.',

      // Phase 2 — lifecycle countdown
      'assets.lifecycle.future':  '📅 Closes {{date}} (in {{days}}d)',
      'assets.lifecycle.soon':    '⚠ Closes {{date}} (in {{days}}d) — review',
      'assets.lifecycle.today':   '⚠ Closes today ({{date}})',
      'assets.lifecycle.past':    '⚠ Past close date ({{date}}) — settle or extend',
      'assets.lifecycle.transferto': '→ transfers to {{target}}',

      // Phase 4 — Live FX fetch
      'assets.fx.live':         'Live (Treasury, as of {{asOf}})',
      'assets.fx.hardcoded':    'Hardcoded fallback — click Refresh for live rates',
      'assets.fx.refresh':      'Refresh from Treasury',
      'assets.fx.refreshing':   'Refreshing…',
      'assets.fx.fetchedAt':    '· fetched {{when}}',
      'assets.fx.error':        'FX refresh failed: {{message}}',

      // Phase 4 — Survivor Binder export
      'assets.binder.print':    '🖨 Print Survivor Binder',

      // Phase 5 — Asset allocation
      'assets.alloc.label':         'Asset allocation',
      'assets.alloc.help':          'How this account is invested. Defaults are inferred from the tax wrapper above; override the % values to track actual holdings. Auto-normalized on save.',
      'assets.alloc.useDefault':    'Use wrapper default',
      'assets.alloc.sum':           'Sum:',
      'assets.alloc.equity_us':     'US equity',
      'assets.alloc.equity_intl':   'Intl equity',
      'assets.alloc.bond':          'Bonds',
      'assets.alloc.cash':          'Cash',
      'assets.alloc.real_estate':   'Real estate',
      'assets.alloc.alternative':   'Alternative',
      'assets.alloc.portfolio.title': 'Portfolio allocation',
      'assets.alloc.notarget':      'Set a target allocation to see drift.',
      'assets.alloc.drift.tip':     'Target: {{target}}%',
      'assets.alloc.drift.summary': 'Drift from target: {{pct}}% of portfolio off-target',

      // Phase 5 — Target allocation modal
      'assets.alloc.target.button': '🎯 Target allocation',
      'assets.alloc.target.title':  'Target allocation',
      'assets.alloc.target.help':   'Your aspirational portfolio mix. Used to compute drift on the summary card. Must sum to 100% (auto-normalized on save).',
      'assets.alloc.target.preset': '60 / 30 / 10 preset',
      'assets.alloc.target.clear':  'Clear all',
      'assets.alloc.target.remove': 'Remove target',

      // Phase 5 — AI enrichment chain
      'assets.upload.enrichToggle': 'Also fetch institution metadata (HQ, support phone, wrapper reminders)',
      'assets.upload.enriching':    'Looking up institution metadata…',
      'assets.upload.enrichDone':   '+ Institution info added (cost ≈ ${{cost}})',
      'assets.upload.enrichEmpty':  'No additional institution info returned.',
      'assets.upload.enrichError':  'Enrichment skipped: {{message}}',

      // Phase 5 — Snapshots
      'assets.snapshot.button':         '📸 Snapshots',
      'assets.snapshot.title':          'Balance snapshots',
      'assets.snapshot.help':           'Frozen-in-time copies of every active account. Useful for tracking growth over time and as a backup before bulk re-uploads.',
      'assets.snapshot.label.placeholder': 'Optional label (e.g., "Year-end 2026")',
      'assets.snapshot.take':           'Take snapshot now',
      'assets.snapshot.empty':          'No snapshots yet. Take one before any major change to your portfolio.',
      'assets.snapshot.col.date':       'Date',
      'assets.snapshot.col.label':      'Label',
      'assets.snapshot.col.total':      'Total (USD)',
      'assets.snapshot.col.delta':      'Δ vs. prior',
      'assets.snapshot.confirmDelete':  'Delete this snapshot? This cannot be undone.',

      'assets.modal.close':             'Close',

      // Phase 4 — FBAR ↔ Assets integration
      'assets.fbar.banner.title':   '{{count}} FBAR account(s) not in your portfolio yet',
      'assets.fbar.banner.help':    'You\'ve uploaded these accounts to the FBAR Tracker but they aren\'t showing up in your Assets summary or feeding the projection. Import to bring them in — only accounts where YOU are listed as a filer will be imported (children-only and spouse-only accounts are excluded; joint accounts ARE imported).',
      'assets.fbar.banner.more':    'more',
      'assets.fbar.banner.import':  'Import them',
      'assets.fbar.banner.openFbar': 'Open FBAR Tracker',
      'assets.fbar.banner.imported': '✓ Imported {{count}} FBAR account(s). Review the wrappers + allocations and edit as needed.',
      'assets.fbar.linked.label':   'FBAR-linked',
      'assets.fbar.linked.tip':     'This account is sourced from your FBAR Tracker. Institution, currency, last-4, and balance auto-sync from FBAR. Click to open FBAR.',
      'assets.fbar.linked.detail':  'Institution, currency, last-4 digits, and balance are auto-synced from your FBAR Tracker every time you open Assets. Wrapper, allocation, beneficiary, and notes stay user-controlled.',
      'assets.fbar.detach.button':  '🔗⃝ Detach from FBAR',
      'assets.fbar.detach.confirm': 'Detach this account from FBAR? Future balance updates in FBAR will no longer sync here. The account stays in Assets — only the link is removed.',

      // ─── Projections module ─────────────────────────────────────
      'proj.title':              'Financial Projections',
      'proj.subtitle':           'Year-by-year wealth projection — accumulation through retirement, US tax + Japan tax (post-住民票), Social Security, and depletion risk.',
      'proj.badge':              'PLANNING',
      'proj.tab.projection':     'Projection',
      'proj.tab.inputs':         'Inputs',
      'proj.tab.tax_strategy':   'Tax Strategy',
      'proj.empty':              'No projection yet — open the Inputs tab to set your starting parameters.',

      // Inputs tab — sections + fields
      'proj.section.career':       'Career',
      'proj.section.retirement':   'Retirement timing',
      'proj.section.draw':         'Drawdown',
      'proj.section.growth':       'Growth assumptions (per asset class)',
      'proj.section.drawdown':     'Drawdown sequencing',
      'proj.section.drawdown.help': 'Order in which wrappers are drawn down once retired. Default is tax-efficient (taxable & banking first, pre-tax next, Roth last). Reorder with the arrows.',

      'proj.field.base_salary':            'Base salary (USD)',
      'proj.field.base_salary.help':       'Annual gross salary at age start. Grows by salary growth % each year.',
      'proj.field.salary_growth':          'Salary growth (%/yr)',
      'proj.field.salary_growth.help':     'Compounded annually until retirement.',
      'proj.field.contrib_401k':           '401(k) employee contribution (%)',
      'proj.field.contrib_401k.help':      '% of salary deferred. Capped at IRS limit; honors 50+ catch-up.',
      'proj.field.employer_match':         'Employer match cap (% of salary)',
      'proj.field.employer_match.help':    'Total employer contribution as % of salary (e.g., LM\'s 100%-on-6% + 4% auto = 10%).',
      'proj.field.catch_up':               'Enable 50+ catch-up contributions',
      'proj.field.catch_up.help':          'IRS allows extra $7.5k at age 50+ ($11.25k at 60-63 under SECURE 2.0). Limits inflation-adjusted at 2.5%/yr.',

      'proj.field.current_age':            'Current age',
      'proj.field.retire_age':             'Retire at age',
      'proj.field.retire_age.help':        'When salary stops and the drawdown phase begins.',
      'proj.field.ss_start_age':           'Social Security start age',
      'proj.field.ss_start_age.help':      'Earlier = lower benefit (70% at 62), later = higher (124% at 70). FRA = 67.',
      'proj.field.ss_monthly':             'SS monthly at age 70 (USD)',
      'proj.field.ss_monthly.help':        'Your full delayed-retirement benefit. Tool scales for actual start age.',
      'proj.field.project_to_age':         'Project to age',

      'proj.field.withdrawal_rate':        'Withdrawal rate (%/yr)',
      'proj.field.withdrawal_rate.help':   'Default 4%. Annual draw = portfolio × this %. Ignored when monthly target is set.',
      'proj.field.monthly_target':         'Monthly target (USD, optional)',
      'proj.field.monthly_target.help':    'Set a fixed dollar withdrawal/month. Overrides the % rate above. Leave blank to use the rate.',

      'proj.field.growth_equity_us':       'US equity (%/yr)',
      'proj.field.growth_equity_intl':     'Intl equity (%/yr)',
      'proj.field.growth_bond':            'Bonds (%/yr)',
      'proj.field.growth_cash':            'Cash / MM (%/yr)',
      'proj.field.growth_real_estate':     'Real estate (%/yr)',
      'proj.field.growth_alternative':     'Alternative (%/yr)',
      'proj.field.dampener':               'Retirement growth dampener (%)',
      'proj.field.dampener.help':          'In retirement, multiply each class\'s growth by this % (defensive — assumes more bond / cash tilt). Default 70%.',
      'proj.field.floor':                  'Retirement growth floor (%)',
      'proj.field.floor.help':             'Minimum effective growth in retirement, regardless of allocation. Default 4%.',

      // Phase 4 — tax detail
      'proj.section.taxdetail':            'Tax detail',
      'proj.field.filing_status':          'Filing status',
      'proj.field.filing_status.help':     'Drives NIIT and IRMAA thresholds. MFJ thresholds are roughly 2× single in lower brackets.',
      'proj.field.state_tax':              'State tax (%)',
      'proj.field.state_tax.help':         'Flat rate applied to all taxable income. 0 = non-resident or income-tax-free state (FL, TX, NV, WA, etc.). For projection purposes only — actual state tax is progressive.',
      'proj.field.ss_cola':                'Social Security COLA (%/yr)',
      'proj.field.ss_cola.help':           'Annual inflation adjustment to SS benefits in distribution years. Long-term avg ~2.5%.',
      'proj.field.niit':                   'Apply NIIT (3.8% on investment income above MAGI threshold)',
      'proj.field.niit.help':              'Net Investment Income Tax. Applies if your MAGI exceeds the filing-status threshold ($200K single / $250K MFJ, indexed).',
      'proj.field.irmaa':                  'Apply IRMAA (Medicare income-based premium surcharges from 65+)',
      'proj.field.irmaa.help':             'Medicare Part B+D surcharges based on MAGI from 2 years prior. Tiered $69-$416/mo per person extra above thresholds.',

      // Phase 4 — monthly events
      'proj.section.monthly_events':       'Monthly events (drives the per-month breakdown)',
      'proj.field.bonus_month':            'Bonus paid in month (1-12)',
      'proj.field.bonus_month.help':       'Calendar month bonus is paid. 3 = March (typical for tech / fiscal-year companies).',
      'proj.field.bonus_pct':              'Bonus as % of base salary',
      'proj.field.bonus_pct.help':         '0 = no bonus. Bonus shifts the corresponding salary fraction from monthly distribution to a single payment in bonus_month.',

      // Phase 4 — Tax Strategy callouts
      'proj.tax.niit.title':               'NIIT — Net Investment Income Tax',
      'proj.tax.niit.body':                '3.8% on investment income above MAGI thresholds ($200K single / $250K MFJ). Stacks on top of regular tax + LTCG. NOT offsetable by foreign tax credit. Currently your projection stays below the threshold — you have headroom for Roth conversions / LTCG harvesting before triggering NIIT.',
      'proj.tax.niit.applies':             '⚠ Your projection triggers NIIT in distribution years — total {{total}} over the horizon. Time large Roth conversions and LTCG realizations to keep MAGI below the threshold.',
      'proj.tax.irmaa.title':              'IRMAA — Medicare premium surcharges (age 65+)',
      'proj.tax.irmaa.body':               'Medicare Part B + D premiums increase based on MAGI from 2 years prior. Below the threshold ($103K single / $206K MFJ, 2024) you pay only the standard premium. Above, tiered surcharges kick in. Your projection stays under the threshold.',
      'proj.tax.irmaa.applies':            '⚠ IRMAA kicks in at year {{year}} (age {{age}}) — total {{total}} of Medicare premium surcharges over the horizon. A big income year (Roth conversion) at 63 affects 65 premiums.',
      'proj.tax.state.title':              'State tax',
      'proj.tax.state.body':               'You\'ve set a {{pct}}% state tax rate. Applied to all taxable income (working salary + retirement distributions + Roth conversions). For US persons in Japan claiming non-resident status, this is usually 0.',

      // Phase 4 — CSV export
      'proj.table.csv':                    'Export CSV',

      // Projection tab — tiles + chart + table
      'proj.tiles.title':            'Headline numbers',
      'proj.tile.portfolio_at_retire': 'Portfolio at retirement',
      'proj.tile.monthly_draw':      'Monthly draw at retirement',
      'proj.tile.ss_monthly':        'SS monthly',
      'proj.tile.total_monthly':     'Total monthly income (after tax)',
      'proj.tile.portfolio_at_80':   'Portfolio at age 80',
      'proj.tile.portfolio_at_90':   'Portfolio at age 90',
      'proj.tile.depletion':         'Depletion',
      'proj.tile.at_age':            'at age {{age}}',
      'proj.tile.depleted_at':       'Depleted at age {{age}}',
      'proj.tile.no_depletion':      'No depletion in horizon',

      'proj.chart.title':            'Portfolio projection',
      'proj.chart.help':             'Stacked bars by tax wrapper (accumulation phase). Gold line = total portfolio. Dashed green = monthly income (right axis). Vertical markers = retirement and 住民票 transition.',
      'proj.chart.axis_left':        'Portfolio (USD)',
      'proj.chart.axis_right':       'Income (USD/mo)',
      'proj.chart.retire':           'RETIRE',
      'proj.legend.total':           'Total portfolio',
      'proj.legend.income':          'Monthly income',
      'proj.legend.roth_marker':     'Roth conversion',
      'proj.legend.event_marker':    'Account event',
      'proj.legend.retire':          'Retirement',
      'proj.legend.no_wrappers':     '(no wrapper data in this range)',
      'proj.chart.zoomHint':         'ZOOM: Click year to focus · Shift+click for range · Click again to clear',
      'proj.chart.clearZoom':        'Clear zoom',
      'proj.chart.hover.empty':      'Hover the chart for year-by-year details.',
      'proj.chart.hover.total':      'Total',
      'proj.compare.chart.title':    'Total portfolio — overlay',

      'proj.table.title':            'Year-by-year breakdown',
      'proj.table.help':             'Post-住民票 years are tinted. Hover the Notes cell for full text, or click any row to expand the monthly breakdown — milestones appear there in full.',
      'proj.table.col.year':         'Year',
      'proj.table.col.age':          'Age',
      'proj.table.col.phase':        'Phase',
      'proj.table.col.salary':       'Salary',
      'proj.table.col.contrib':      '+ Contrib',
      'proj.table.col.total':        'Portfolio',
      'proj.table.col.draw':         'Draw',
      'proj.table.col.us_tax':       'US tax',
      'proj.table.col.jp_tax':       'JP tax',
      'proj.table.col.penalty':      'Penalty',
      'proj.table.col.ss':           'SS',
      'proj.table.col.net_mo':       'Net /mo',
      'proj.table.col.notes':        'Notes',
      'proj.phase.accum':            'Accum',
      'proj.phase.dist':             'Dist',

      'proj.milestone.retire':       'Retire',
      'proj.milestone.ss_start':     'SS start',
      'proj.milestone.catch_up':     '50+ catch-up eligible',
      'proj.milestone.medicare':     'Medicare (65)',
      'proj.milestone.rmd':          'RMD age (73)',
      'proj.milestone.juminhyou':    '住民票 — Japan tax begins',
      'proj.milestone.depleted':     '⚠ Portfolio depleted',
      'proj.milestone.catch_up_secure': 'SECURE 2.0 super catch-up (60-63)',
      'proj.milestone.catch_up_revert': 'Catch-up reverts to standard $7.5K (64+)',
      'proj.milestone.rule_of_55':   '🎯 Rule of 55 — penalty-free 401(k)/TSP draws',
      'proj.milestone.age_59_half':  'Age 59½ — all early-withdrawal penalties end',
      'proj.milestone.section_603':  'Section 603: catch-up routed to Roth (high earner)',
      'proj.milestone.section_603_no_roth': '⚠ Section 603 active but no Roth 401(k) — open one',

      // Tax Strategy tab
      'proj.tax.juminhyou.title':    '住民票 transition',
      'proj.tax.juminhyou.future':   'Your planned 住民票 registration is {{date}} (in {{days}} days). Roth conversions and LTCG realizations BEFORE this date are U.S.-taxed only; AFTER, Japan also taxes them as ordinary income. See SOFA Roth Planner.',
      'proj.tax.juminhyou.past':     '住民票 registered {{date}}. All distributions are now subject to BOTH U.S. and Japan tax.',
      'proj.tax.juminhyou.unset':    'No 住民票 target date set. Open SOFA Roth Planner → Profile to set one — it determines when Japan tax begins.',
      'proj.tax.rmd.title':          'Required Minimum Distributions',
      'proj.tax.rmd.now':            'You are at or past RMD age (73). Traditional IRA / 401(k) distributions must hit IRS minimums each year — failure = 25% excise tax.',
      'proj.tax.rmd.future':         'Your first RMD year is {{year}} (age {{age}}). Until then, traditional pre-tax accounts can grow without forced distributions.',
      'proj.tax.bracket.title':      'Bracket-fill opportunity',
      'proj.tax.bracket.body':       'Your assumed U.S. marginal rate is {{pct}}%. In low-income years (early retirement, between salary and SS) consider Roth conversions up to the top of your current bracket — paying tax now at {{pct}}% to avoid future tax at higher rates.',
      'proj.tax.rothwindow.title':   '⚠ Roth conversion window — closing in {{days}} days',
      'proj.tax.rothwindow.body':    'Convert traditional → Roth BEFORE 住民票 registration on {{date}}. After 住民票, Japan taxes the conversion as ordinary income (no Roth wrapper recognition) — often 20-45% national + 10% local on top of U.S. tax.',
      'proj.tax.pfic.title':         '⚠ PFIC trap — DO NOT buy 投資信託 / NISA / iDeCo',
      'proj.tax.pfic.body':          'Once you are a Japan resident, any U.S.-person investment in Japanese mutual funds, ETFs, NISA, or iDeCo triggers PFIC treatment under U.S. tax law: punitive interest charges, no LTCG rates, complex 8621 filings every year. Use only U.S.-domiciled funds.',

      // Phase 3 — Japan-resident strategies (applies whether or not
      // the user is SOFA-status — anyone holding US accounts as a
      // current/future Japan tax resident).
      'proj.tax.jp.section.title':   'Japan-resident strategies',
      'proj.tax.jp.section.help':    'These apply to anyone who is, or will become, a Japanese tax resident — SOFA expats post-住民票 and non-SOFA Americans alike. Many traditional Japanese tax-saving moves are PFIC-poisoned for U.S. persons; the survivors are listed below.',

      'proj.tax.nisa.title':         '⚠ NISA / iDeCo — PFIC poison for US persons',
      'proj.tax.nisa.body':          'NISA was expanded in 2024 (¥3.6M/yr, ¥18M lifetime) and iDeCo offers JP tax deductions, BUT both vehicles invest in Japanese mutual funds → PFIC treatment under US tax law. Punitive QEF/MTM elections, $1500-3000/yr to a CPA for 8621 forms per fund, no LTCG rates, no step-up at death. The JP tax savings are NEVER worth the US tax cost. Available only to non-US-person spouses.',

      'proj.tax.furusato.title':     '✓ Furusato Nozei (ふるさと納税) — actually works',
      'proj.tax.furusato.body':      'Hometown-tax donations to JP municipalities reduce your JP resident tax dollar-for-dollar (above a ¥2K floor) and you get rice/wagyu/sake gifts ~30% of the donation value. Unlike NISA/iDeCo, this is a charitable contribution — no investment, no PFIC issue. Useful for any JP tax resident; calculate your limit at furusato-tax.jp based on prior-year income.',

      'proj.tax.jpinheritance.title': '⚠ Japan inheritance tax — 10-year worldwide-asset clock',
      'proj.tax.jpinheritance.body': 'Once you\'ve been a JP resident 10+ years, JP inheritance tax (10-55% progressive) applies to your WORLDWIDE assets when you die — including US 401(k), IRA, brokerage, real estate. The US-Japan estate tax treaty does not eliminate this. Plan well before year 10: gift to non-JP-resident heirs, set up trust structures, or leave Japan before the clock runs out. Year 10 is the binary line.',

      // Phase 4 audit — Inheritance tax mitigation strategies
      'proj.tax.jpinhmitigation.section.title':
        'Inheritance tax mitigation — legal strategies',
      'proj.tax.jpinhmitigation.section.help':
        'Legal mitigation paths for the JP inheritance tax exposure flagged above. None are loopholes — these are the documented exemptions, deductions, and timing strategies in the Japanese tax code. EVERY one of them benefits from early planning with a licensed 税理士. Sourced from the National Tax Agency (NTA) inheritance tax overview.',
      'proj.tax.jpinhmit.section.references': 'References:',

      'proj.tax.jpinhmit.gifting.title':
        '1. Annual gifting (暦年贈与) — ¥1.1M/year tax-free per recipient',
      'proj.tax.jpinhmit.gifting.body':
        'Each donor-recipient pair gets ¥1.1M tax-free per calendar year, indefinitely. A couple gifting to 2 children = ¥4.4M/yr removed from the eventual estate. Over 20 years = ¥88M removed, potentially saving ¥20M+ in inheritance tax. Caveat: gifts made within 7 years of donor\'s death are pulled back into the estate (recently extended from 3 years), so START EARLY — at least 8 years before expected death. Annual gifts above ¥1.1M trigger 10-55% gift tax on the excess.',

      'proj.tax.jpinhmit.spouse.title':
        '2. Spouse deduction (配偶者控除) — up to ¥160M tax-free',
      'proj.tax.jpinhmit.spouse.body':
        'The surviving spouse pays NO inheritance tax on the FIRST ¥160M (or 50% of the total estate, whichever is greater) of their share. The single most generous JP inheritance provision. Strategic nuance: leaving everything to the spouse defers but doesn\'t eliminate the tax — when the spouse later dies (二次相続 / "secondary inheritance"), the same assets get taxed without spouse-deduction protection AND with one fewer statutory heir. Optimal split is often 50-60% spouse / 40-50% children rather than 100% spouse, to flatten the two-stage burden.',

      'proj.tax.jpinhmit.lifeinsurance.title':
        '3. Life insurance exemption — ¥5M × statutory heirs tax-free',
      'proj.tax.jpinhmit.lifeinsurance.body':
        'Life insurance death benefits paid to statutory heirs are exempt up to ¥5M per heir (e.g., family of 4 → ¥20M tax-free). This is ON TOP of the standard ¥30M + ¥6M-per-heir base deduction. Any JP-domiciled term life policy works; convert taxable cash into tax-free benefit at death. Even a small policy taken late in life captures the ¥5M-per-heir exemption.',

      'proj.tax.jpinhmit.smallres.title':
        '4. Small Residential Property Exception (小規模宅地等の特例) — 80% valuation reduction on inherited home',
      'proj.tax.jpinhmit.smallres.body':
        'If a child or co-resident heir continues to live in the inherited family home (up to 330m² of land), its taxable valuation drops 80%. A ¥200M Tokyo home becomes ¥40M for inheritance tax — potentially saving ¥40-60M in tax. Conditions: heir must be the spouse, a co-resident child, OR a non-homeowner child ("家なき子" — homeless child rule). Property must be the deceased\'s primary residence. Heir must hold until tax filing deadline.',

      'proj.tax.jpinhmit.education.title':
        '5. Education lump sum gift (教育資金一括贈与) — up to ¥15M to grandchildren',
      'proj.tax.jpinhmit.education.body':
        'A grandparent can gift up to ¥15M (¥5M for non-school education) to a grandchild for educational use, tax-free. Funds held in a designated bank trust account, drawn down with receipts as the grandchild incurs education costs. Unused funds at age 30 (or grandchild\'s death) revert and are taxed. Useful for accelerating wealth transfer to skipping a generation.',

      'proj.tax.jpinhmit.marriage.title':
        '6. Marriage / child-rearing lump sum gift (結婚・子育て資金一括贈与) — up to ¥10M',
      'proj.tax.jpinhmit.marriage.body':
        'Similar to the education lump sum but for marriage costs (¥3M sub-cap) and child-rearing (¥10M total). Gift goes into a designated trust account; recipient must be 18-49. Unused funds at age 50 (or recipient\'s death) revert. Less commonly used than education gift but available.',

      'proj.tax.jpinhmit.realestate.title':
        '7. Real estate valuation discount — JP property valued at 60-80% of market',
      'proj.tax.jpinhmit.realestate.body':
        'JP real estate is valued for inheritance tax using NTA-published 路線価 (rosenka) or 固定資産税評価額 (assessed value), typically 70-80% of actual market price. Buying ¥500M of real estate effectively removes ~¥100-150M from the inheritance base. A core reason wealthy Japanese families convert cash to property in retirement. Caveat: liquidity, maintenance, succession complexity, and PFIC issues if held via JP corporate / fund structures.',

      'proj.tax.jpinhmit.rental.title':
        '8. Rental property — additional 30% discount on income-producing real estate',
      'proj.tax.jpinhmit.rental.body':
        'On top of the rosenka discount, rented property gets an additional reduction (typically ~21-30%) reflecting the tenant\'s rights. Building gets a separate ~30% discount on its assessed value when rented. Total: rental real estate can be valued at 40-50% of market for inheritance tax. The "shi-shitsu" (4-room rental) strategy is a Japanese tax-planning classic.',

      'proj.tax.jpinhmit.adoption.title':
        '9. Adoption (養子縁組) — adds heirs, expanding base deduction',
      'proj.tax.jpinhmit.adoption.body':
        'Each statutory heir adds ¥6M to the base deduction AND ¥5M to the life insurance exemption. Adopting can be useful — limit: 1 adopted child counts toward statutory heirs if you have biological children, 2 if you don\'t. Adopting a grandchild (孫養子) is common but triggers a 20% tax surcharge on that grandchild\'s share. Adoption is a real legal status in Japan with social/legal consequences beyond tax — consult both 税理士 and lawyer.',

      'proj.tax.jpinhmit.settlementtax.title':
        '10. Settlement-at-Inheritance taxation system (相続時精算課税) — ¥25M lifetime gift cap',
      'proj.tax.jpinhmit.settlementtax.body':
        'Optional system for ≥60-year-old donors gifting to ≥18-year-old recipients: ¥25M lifetime gift exemption with the asset added back to the estate at death (at gift-time valuation). Best for transferring growth assets EARLY — locks in today\'s lower valuation. WARNING: once elected for a donor-recipient pair, you cannot revert to the annual ¥1.1M exemption with that pair. After 2024 reform, ¥1.1M/year additional exemption stacks alongside (NOT added back).',

      'proj.tax.jpinhmit.preten.title':
        '11. ⚠ Pre-10-year window — your most powerful (and time-limited) lever',
      'proj.tax.jpinhmit.preten.body':
        'For non-Japanese nationals, JP inheritance tax applies ONLY to JP-situs assets during the first 10 years of residency. Worldwide assets become taxable in year 11. If you have substantial US/Cayman/etc. assets and you\'re approaching year 10, OPTIONS: (a) gift to non-JP-resident heirs while you still have non-resident-asset status, (b) leave Japan before year 10 and re-enter later under a new residency clock, (c) for assets you intend to keep, accept the worldwide-tax exposure but front-load gifting and other strategies above. Year 10 is binary — there\'s no graduation.',

      'proj.tax.jpinhmit.ustreaty.title':
        '12. US-Japan Estate Tax Treaty — limited foreign tax credit',
      'proj.tax.jpinhmit.ustreaty.body':
        'The US-Japan estate tax treaty provides a credit for US estate tax against JP inheritance tax (and vice versa) — but the credit is limited and complex. US estate tax exemption is currently $13.6M (2024, set to halve in 2026 if Congress doesn\'t extend); for most US persons in Japan, the JP burden FAR exceeds the US burden so the treaty credit is rarely useful. Don\'t plan around it.',

      'proj.tax.jpinhmit.notrust.title':
        '13. ⚠ Trusts: US trusts are NOT effective for JP inheritance tax planning',
      'proj.tax.jpinhmit.notrust.body':
        'A common US estate-planning move — putting assets in a revocable living trust to bypass probate — does NOT shield them from JP inheritance tax. Japan generally treats trust assets as still owned by the grantor for tax purposes. Some Japanese trust structures (民事信託 for elder care, 特定贈与信託 for severely disabled heirs) have specific tax treatment, but these are not asset-protection vehicles. If you\'ve set up a US trust, talk to a 税理士 about whether to unwind or restructure before becoming a long-term JP resident.',

      'proj.tax.jpexit.title':       '⚠ Japan exit tax (出国税) — ¥100M securities threshold',
      'proj.tax.jpexit.body':        'If you leave Japan with ¥100M+ (currently ~$660K) in financial securities and you\'ve been a JP tax resident 5+ of the last 10 years, JP imposes a deemed-sale capital gains tax on unrealized gains at exit. Includes US-domiciled brokerage holdings. Defer-and-bond posting available. Plan rebalancing to stay under threshold OR exit before the 5-year clock if portfolio is large.',

      'proj.tax.treaty17.title':     'US-Japan Tax Treaty — Article 17 (pensions)',
      'proj.tax.treaty17.body':      'Article 17 says pension income (incl. 401(k), IRA, Social Security) is taxable ONLY in the residence country — but the US "saving clause" overrides this for US citizens. Practical effect: as a JP-resident US citizen, BOTH countries tax your distributions. You then claim US foreign tax credit (FTC) to avoid double taxation on the JP portion. Roth distributions are similar — JP doesn\'t recognize the wrapper.',

      'proj.tax.ftc.title':          'Foreign Tax Credit — claim JP tax on US return',
      'proj.tax.ftc.body':           'JP tax paid on US-source dividends, interest, and pension distributions is claimable as a US Foreign Tax Credit (Form 1116) on your 1040. NOT a deduction — a dollar-for-dollar credit. Must be careful with passive-vs-general-income basket separation. Doesn\'t help with FEIE-excluded earned income. The cross-claim makes the effective tax burden ≈ max(US rate, JP rate) rather than the sum.',

      'proj.tax.nhi.title':          '⚠ National Health Insurance (国民健康保険) — premium lag',
      'proj.tax.nhi.body':           'JP NHI premiums are calculated on PRIOR-YEAR income and re-set every June. A big income year (Roth conversion, bonus, RSU vest) drives next year\'s premiums up — capped around ¥1M/yr but the marginal cost on a Roth conversion can exceed 10% combined with JP income tax. Time large income events to minimize NHI cliff effects.',

      'proj.tax.ideco.title':        'iDeCo for non-US-person spouse',
      'proj.tax.ideco.body':         'If your spouse is a non-US person and a JP tax resident, iDeCo is a powerful tax-deferred vehicle for THEM (not you): up to ¥816K/yr deductible from JP taxable income, tax-deferred growth, taxed only on withdrawal at 60+. Same applies to NISA. As long as the US-person spouse owns nothing in those accounts, no PFIC issue.',

      'proj.tax.jpmortgage.title':   'Japan mortgage tax credit (住宅ローン控除)',
      'proj.tax.jpmortgage.body':    'A JP-resident homeowner can claim up to ¥210-455K/yr against JP income tax for the first 13 years of a mortgage (varies by property type, energy efficiency, and year of acquisition). Available to US-person residents too. Useful in retirement planning if downsizing or buying a JP primary residence.',
      'proj.tax.lifetime.title':     'Lifetime tax (rough estimate over projection horizon)',
      'proj.tax.lifetime.us':        'U.S. federal tax',
      'proj.tax.lifetime.jp':        'Japan tax (post-住民票)',
      'proj.tax.lifetime.penalty':   '10% early-withdrawal penalty (red = avoidable)',
      'proj.tax.lifetime.note':      'Phase-1 simplified model: traditional → ordinary income, taxable brokerage → 50% gain at LTCG, treasuries → 40% interest. No state tax, no NIIT, no Medicare IRMAA. Use as a directional comparison only.',

      // Phase 2 — Rule of 55 + SECURE 2.0 + Section 603 callouts
      'proj.tax.rule55.title':       'IRS Rule of 55',
      'proj.tax.rule55.applies':     'Retiring at {{age}} qualifies for Rule of 55 — you can withdraw from your 401(k) / TSP / 403(b) without the 10% early-withdrawal penalty (income tax still applies). Does NOT extend to Trad/Roth IRAs — rolling 401(k) → IRA before 59½ forfeits this benefit. Plan the rollover timing carefully.',
      'proj.tax.rule55.tooEarly':    'Retiring at {{age}} is BEFORE Rule of 55. Distributions from any retirement wrapper before 59½ will eat a 10% federal penalty (20% on HSA non-medical). Consider 72(t) SEPP, taxable brokerage as the bridge, or pushing retire age to 55+.',
      'proj.tax.rule55.notNeeded':   'Retiring at {{age}} (≥60) — Rule of 55 is moot since you\'re past the 59½ exemption already. All distributions are penalty-free.',
      'proj.tax.secure20.title':     'SECURE 2.0 catch-up tiers',
      'proj.tax.secure20.body':      'Standard 401(k) catch-up at 50+: $7,500 (indexed). Section 109 enhanced catch-up at ages 60-63: $11,250. Reverts to standard $7,500 at 64+. All limits inflation-adjusted at the assumed 2.5%/yr.',
      'proj.tax.section603.title':   '⚠ Section 603 — Roth-only catch-up for high earners',
      'proj.tax.section603.routed':  'Starting {{year}}, your prior-year FICA wages exceed the $145K (indexed) threshold, so SECURE 2.0 Section 603 requires catch-up contributions go into a Roth 401(k). The engine is automatically routing your catch-up there.',
      'proj.tax.section603.noRoth':  'Starting {{year}}, your prior-year wages exceed the $145K (indexed) threshold. Section 603 requires catch-up to be Roth — but you have NO Roth 401(k) account in your portfolio. Open one or you forfeit the catch-up benefit. (The engine is currently routing to your Traditional account as a placeholder.)',

      // Phase 2 — Projection Controls + scenarios + inflation
      'proj.controls.title':         'Projection Controls',
      'proj.controls.no_cap':        'No cap',
      'proj.controls.draw.help':     '4% = traditional safe withdrawal rate. Lower = more conservative; higher = more aggressive.',
      'proj.controls.monthly_target.help': 'Cap monthly withdrawal to match estimated spending. 0 = draw full % each year. Preserves portfolio longer.',
      'proj.controls.view':          'View',
      'proj.controls.nominal':       'Nominal',
      'proj.controls.real':          'Real',
      'proj.controls.view.help':     'Real shows future $ in today\'s purchasing power (deflated by inflation). Nominal shows raw projected dollars.',

      'proj.scenario.title':         'Scenario',
      'proj.scenario.draft':         '(working draft — not saved)',
      'proj.scenario.unsaved':       '· unsaved changes',
      'proj.scenario.save':          'Save',
      'proj.scenario.saveAs':        'Save as new',
      'proj.scenario.duplicate':     'Duplicate',
      'proj.scenario.namePrompt':    'Name this scenario:',
      'proj.scenario.deleteConfirm': 'Delete scenario "{{name}}"? This cannot be undone.',
      'proj.scenario.help':          'Save multiple "what if" projections (Retire at 55 vs. 60, 4% vs. 3.5% draw, etc.) and switch between them.',
      'proj.scenario.compare':       'Compare',

      // Phase 3 — Roth conversion ladder
      'proj.roth.title':             '🟢 Roth Conversion Ladder',
      'proj.roth.help':               'Plan year-by-year Trad → Roth conversions. Each row moves the amount from your largest Traditional account to your largest Roth account, taxed at your marginal rate. Pre-住民票 = U.S. tax only; post-住民票 = U.S. + Japan tax (often 35-55% combined).',
      'proj.roth.empty':              'No conversions planned. Use ✨ Bracket-fill to auto-suggest a ladder, or + Add to create one manually.',
      'proj.roth.add':                'Add conversion',
      'proj.roth.fill.button':        'Bracket-fill suggest',
      'proj.roth.fill.prompt':        'How much to convert each year (USD)? Default $50K is a typical bracket-fill amount in the 22% U.S. bracket.',
      'proj.roth.fill.tooSoon':       'No years available between now and your 住民票 / retirement date.',
      'proj.roth.clear.button':       'Clear all',
      'proj.roth.clear.confirm':      'Remove all planned conversions?',
      'proj.roth.row.age':            '(age {{age}})',
      'proj.roth.row.postJ.tip':      'This conversion happens after 住民票 — Japan also taxes it as ordinary income on top of US tax.',

      // Roth ladder optimizer (v0.36)
      'proj.roth.optimize.button':    'Optimize ladder',
      'proj.optimize.title':          'Roth conversion ladder optimizer',
      'proj.optimize.intro':          'Computes the optimal annual Roth conversion that fills your target US bracket without spilling over. Uses real 2025 IRS brackets (inflation-adjusted by year), your projected base income each year, and stops at your 住民票 date (Japan taxes Roth conversions as ordinary income after registration). Apply to overwrite your current ladder; tweak rows manually after.',
      'proj.optimize.targetBracket':  'Fill bracket',
      'proj.optimize.bracket':        'Top of {{pct}}% bracket',
      'proj.optimize.maxPerYear':     'Cap per year (optional)',
      'proj.optimize.noLimit':        'No cap',
      'proj.optimize.windowNote':     'Window closes when 住民票 registers in {{year}}. Conversions after that face combined US + JP ordinary rates (typically 35-55%).',
      'proj.optimize.stat.years':     'Years',
      'proj.optimize.stat.converted': 'Total converted',
      'proj.optimize.stat.usTax':     'US tax (approx)',
      'proj.optimize.stat.effectiveRate': 'Effective rate',
      'proj.optimize.stat.unconverted':   'Unconverted Trad',
      'proj.optimize.col.year':       'Year',
      'proj.optimize.col.age':        'Age',
      'proj.optimize.col.baseIncome': 'Base income',
      'proj.optimize.col.bracketTop': 'Bracket top',
      'proj.optimize.col.convert':    'Convert',
      'proj.optimize.col.cappedBy':   'Limited by',
      'proj.optimize.capped.bracket': 'Bracket headroom',
      'proj.optimize.capped.balance': 'Trad balance',
      'proj.optimize.capped.window':  'Last pre-住民票 year',
      'proj.optimize.capped.partial': 'Partial fill',
      'proj.optimize.empty':          'No conversions to suggest in this window.',
      'proj.optimize.noTradBalance':  'You don\'t have any Traditional IRA / 401(k) balances tracked. Add accounts in Assets first.',
      'proj.optimize.windowClosed':   '住民票 has already passed (or is set to the current year). Conversion window has closed.',
      'proj.optimize.disclaimer':     'Conservative estimate — actual tax depends on your full return (deductions, credits, capital gains, state). Real numbers come from your CPA, not this tool. Treat the output as a planning starting point.',
      'proj.optimize.cancel':         'Cancel',
      'proj.optimize.apply':          'Apply ladder',
      'proj.optimize.close':          'Close',
      'proj.optimize.replaceConfirm': 'This will replace your current conversion entries. Continue?',

      // Lifetime tax savings comparison
      'proj.tax.savings.title':       'Lifetime tax savings from this ladder',
      'proj.tax.savings.intro':       'Comparison vs. taking no conversions — same projection horizon, same drawdown order, just with conversions zeroed out.',
      'proj.tax.savings.usTotal':     'Lifetime US tax',
      'proj.tax.savings.jpTotal':     'Lifetime JP tax',
      'proj.tax.savings.portfolioAt90': 'Portfolio at age 90',
      'proj.tax.savings.saves':       'This ladder saves',
      'proj.tax.savings.costs':       'This ladder costs',
      'proj.tax.savings.lifetimeTax': 'in combined lifetime tax',

      // Decumulation cross-link
      'proj.tax.decumulationLink.title': 'Deeper retirement strategy lives in Decumulation',
      'proj.tax.decumulationLink.body':  'Social Security claim-age sensitivity (62 / FRA / 70), WEP-GPO repeal context, JP 厚生年金 / 国民年金 / 任意加入 paths, totalization, and JP-resident withdrawal sequence are all richer there. Projections is the headline number; Decumulation is the workshop.',
      'proj.tax.decumulationLink.open':  'Open Retirement Decumulation',

      // Inputs-tab SOFA window banner
      'proj.inputs.window.title':     '{{years}} years until 住民票 registration ({{date}})',
      'proj.inputs.window.body':      'Estimated conversion runway: {{n}} year(s) at the 22% bracket → ≈ {{total}} convertible at ≈ {{perYear}}/yr average. Open the optimizer in the Tax Strategy tab to refine and apply.',
      'proj.inputs.window.noOpps':    'No favorable conversion opportunities detected at the 22% bracket given current income/balance. Open the optimizer to try a different target bracket.',
      'proj.inputs.window.gotoOptimizer': 'Open optimizer',
      'proj.roth.summary.converted':  'Total converted',
      'proj.roth.summary.us_tax':     'US tax on conversions',
      'proj.roth.summary.jp_tax':     'JP tax on conversions',
      'proj.roth.viewInSofa':         'View this in the SOFA Roth Sequencer for strategic context',

      // Phase 3 — Inflation slider
      'proj.controls.inflation':      'Inflation rate',
      'proj.controls.inflation.side': 'used to deflate "Real" view',
      'proj.controls.inflation.help': '2.5% is a long-run average for the U.S.; Japan has run closer to 0-1% historically. Higher = more aggressive real-dollar deflation.',

      // Phase 3 — Comparison modal
      'proj.compare.title':           'Compare scenarios',
      'proj.compare.help':            'Side-by-side comparison of two saved scenarios — including portfolio milestones, lifetime tax, and net end-of-projection portfolio.',
      'proj.compare.scenarioA':       'Scenario A',
      'proj.compare.scenarioB':       'Scenario B',
      'proj.compare.lifetime':        'Lifetime tax + penalty',
      'proj.compare.totalTax':        'Total drag',
      'proj.compare.verdict':         '✓ {{name}} ends ahead by {{margin}} at end of projection horizon.',
      'proj.compare.verdict.lead':    '✓ {{name}} ends ahead by',
      'proj.compare.verdict.trail':   'at end of projection horizon.',

      // Phase 3 — Monthly breakdown
      'proj.table.row.expand':        'Click to expand monthly breakdown',
      'proj.monthly.help':            'Monthly view — annual figures divided by 12, with events placed at their actual month. Phase 3: simplified split. Phase 4 will model real monthly events (paychecks, quarterly bonuses, tax payments).',
      'proj.monthly.col.month':       'Month',
      'proj.monthly.col.salary':      'Salary',
      'proj.monthly.col.contrib':     '+ Contrib',
      'proj.monthly.col.draw':        'Draw',
      'proj.monthly.col.tax':         'Tax + penalty',
      'proj.monthly.col.ss':          'SS',
      'proj.monthly.col.net':         'Net',
      'proj.monthly.col.events':      'Events',

      // Phase 3 — Roth conversion column + milestones
      'proj.table.col.roth_conv':     'Roth conv.',
      'proj.milestone.roth_conversion': 'Roth conversion',
      'proj.milestone.roth_conversion_no_trad': '⚠ Conversion planned but no Traditional balance available',
      'proj.milestone.roth_conversion_no_roth': '⚠ Conversion planned but no Roth account to receive funds',

      'fbar.title': 'FBAR Tracker',
      'fbar.subtitle': 'FinCEN Form 114 — Report of Foreign Bank and Financial Accounts',
      'fbar.tab.overview': 'Overview',
      'fbar.tab.filers': 'Filers',
      'fbar.tab.accounts': 'Accounts',
      'fbar.tab.balances': 'Yearly Balances',
      'fbar.tab.print': 'Print Summary',
      'fbar.disclaimer.modal.title': 'About this module',
      'fbar.disclaimer.modal.body': "Taigan Bridge helps you organize the information you'll need to file FBAR (FinCEN Form 114). It does not file on your behalf and is not a substitute for professional tax advice. FBAR rules, thresholds, exchange rates, and penalties change. Always verify current requirements at fincen.gov before filing. If you are behind on FBAR filings, consult a tax attorney or CPA familiar with the IRS Streamlined Filing Compliance Procedures before taking action.",
      'fbar.disclaimer.modal.acknowledge': 'I understand — continue',
      'fbar.banner.verify': 'Verify current FBAR rules and FX rates at fincen.gov and fiscal.treasury.gov before filing.',
      'fbar.banner.fx-unverified': 'FX rates require verification — confirm against fiscal.treasury.gov before filing.',
      'fbar.banner.encryption.notice': 'Heads up: in this build, exported backups are plain JSON. Encrypted export ships in v0.3. If your backup will leave this machine, encrypt the file at the OS level (e.g., a password-protected zip) for now.',
      'fbar.banner.dismiss': 'Dismiss',

      // Overview
      'fbar.overview.title': 'FBAR overview — household',
      'fbar.overview.empty.no-filers': 'No filers yet. Add yourself (and any household members with foreign accounts) on the Filers tab to begin.',
      'fbar.overview.empty.no-accounts': 'No accounts yet. Add at least one foreign financial account on the Accounts tab.',
      'fbar.overview.threshold.legend': 'Annual aggregate per filer (USD). Green = under $10,000 threshold. Amber = at/over threshold (FBAR required). Gray = data missing.',
      'fbar.overview.threshold.required': 'FBAR filing required for {{name}} for {{year}}. File at bsaefiling.fincen.treas.gov by April 15 (auto-extended to October 15).',
      'fbar.overview.filed.headline': 'FBAR filed',
      'fbar.overview.filed.body': '{{name}} · {{year}} · filed on {{date}}{{bsa}}',
      'fbar.overview.threshold.under': 'Under threshold for {{year}}.',
      'fbar.overview.threshold.missing': 'Insufficient data for {{year}} — add balance entries on the Yearly Balances tab.',
      'fbar.overview.minor-note': 'Minor: parent may sign on behalf of the child, but the FBAR is the child’s.',
      'fbar.overview.signatory-note': 'Signature authority only (no financial interest) — still triggers FBAR reporting.',
      'fbar.overview.quicklinks': 'Quick links',
      'fbar.overview.ql.add-account': 'Add an account',
      'fbar.overview.ql.add-balance': 'Add a balance entry',
      'fbar.overview.ql.filing': 'Open filing helper',
      'fbar.overview.ql.print-year': 'Print summary for {{year}}',

      // Filers
      'fbar.filers.title': 'Filers in this household',
      'fbar.filers.intro': 'Each U.S. person with a financial interest in or signature authority over a reportable foreign account files their own FBAR. Add every household member who fits — including minors with their own accounts (a parent may sign for them).',
      'fbar.filers.add': 'Add filer',
      'fbar.filers.empty': 'No filers yet. Add yourself first.',
      'fbar.filers.name_en': 'Full legal name (English)',
      'fbar.filers.name_jp': 'Name in 日本語 (katakana)',
      'fbar.filers.name_jp.help': 'Optional. Useful when the summary will be shared with a Japan-based CPA.',
      'fbar.filers.ssn_last4': 'SSN — last 4 digits only',
      'fbar.filers.ssn_last4.help': 'Last 4 digits only. Do NOT enter your full SSN. The full number is required at the actual filing (FinCEN BSA E-Filing System), not here.',
      'fbar.filers.dob': 'Date of birth',
      'fbar.dob.year': 'Year',
      'fbar.dob.month': 'Month',
      'fbar.dob.day': 'Day',
      'fbar.filers.relationship': 'Relationship',
      'fbar.filers.relationship.self': 'Self',
      'fbar.filers.relationship.spouse': 'Spouse',
      'fbar.filers.relationship.child': 'Child',
      'fbar.filers.relationship.dependent': 'Other dependent',
      'fbar.filers.isMinor': 'Minor (under 18)',
      'fbar.filers.isMinor.help': 'Minors file their own FBAR. A parent or guardian may sign on the minor’s behalf.',
      'fbar.filers.isUSPerson': 'U.S. person (citizen, LPR, or U.S. tax resident)',
      'fbar.filers.isUSPerson.help': 'Non-U.S. persons (e.g., a Japanese-national spouse) can be listed here so you can attach them to joint accounts, but FBAR thresholds are NOT computed for them.',
      'fbar.filers.address': 'Filing address (optional)',
      'fbar.filers.notes': 'Notes',
      'fbar.filers.delete': 'Delete filer',
      'fbar.filers.delete.confirm': 'Delete filer "{{name}}"? Their account associations and balance entries will be unlinked but not deleted.',

      // Accounts
      'fbar.accounts.title': 'Foreign financial accounts',
      'fbar.accounts.intro': 'List every account that may be reportable. Tag each with its owners (filers). For joint accounts, select multiple filers — each will report the FULL maximum balance.',
      'fbar.accounts.add': 'Add account',
      'fbar.accounts.empty': 'No accounts yet.',
      'fbar.accounts.col.institution': 'Institution',
      'fbar.accounts.col.country': 'Country',
      'fbar.accounts.col.currency': 'Currency',
      'fbar.accounts.col.type': 'Type',
      'fbar.accounts.col.owners': 'Owners',
      'fbar.accounts.col.status': 'Status',
      'fbar.accounts.account_type': 'Account type',
      'fbar.accounts.account_type.bank': 'Bank',
      'fbar.accounts.account_type.securities': 'Securities / brokerage',
      'fbar.accounts.account_type.other': 'Other (insurance, pension, crypto, etc.)',
      'fbar.accounts.institution_name': 'Institution name (English)',
      'fbar.accounts.institution_name.help': 'Used on the FBAR form. Use the official English / romanized name (e.g., "Akita Bank", "Japan Post Bank").',
      'fbar.accounts.institution_name_jp': 'Institution name (日本語)',
      'fbar.accounts.institution_address': 'Institution address (English)',
      'fbar.accounts.institution_address.help': 'Used on the FBAR form. FinCEN 114 requires English/romanized addresses (e.g., "3-2-1 Sanno, Akita-shi, Akita 010-8655, Japan").',
      'fbar.accounts.institution_address_jp': 'Institution address (日本語)',
      'fbar.accounts.account_number_full': 'Account number (full)',
      'fbar.accounts.account_number_full.help': 'Stored only in this browser, never transmitted. Last 4 digits will be displayed by default; click to reveal the full number.',
      'fbar.accounts.account_number_masked': 'Last 4 (display)',
      'fbar.accounts.show_full': 'Show full number',
      'fbar.accounts.hide_full': 'Hide',
      'fbar.accounts.currency': 'Account currency (ISO 4217)',
      'fbar.accounts.country': 'Country (ISO 3166-1 alpha-2)',
      'fbar.accounts.opened_year': 'Year opened',
      'fbar.accounts.closed_year': 'Year closed',
      'fbar.accounts.closed_year.help': 'Leave blank if still open. Closed mid-year accounts still count if their max balance during the year contributed to the aggregate.',
      'fbar.accounts.signatory_only': 'Signature authority only (no financial interest)',
      'fbar.accounts.signatory_only.help': 'You sign on the account but don’t own it (e.g., employer’s account). FBAR reporting is still required for the U.S. person with signature authority.',
      'fbar.accounts.filer_ids': 'Owners / signatories (filers)',
      'fbar.accounts.primary_owner': 'Account owner',
      'fbar.accounts.primary.none': 'No owner assigned',
      'fbar.accounts.is_joint': 'This is a joint account',
      'fbar.accounts.is_joint.help': 'Check this if multiple household members are listed on the account. Each U.S.-person joint owner reports the FULL maximum balance.',
      'fbar.accounts.coowners': 'Joint co-owners',
      'fbar.upload.chooser.title': 'Upload account for which filer?',
      'fbar.upload.chooser.body': 'Pick the primary owner for this account. If multiple household members are on the same account, check "Joint" and pick co-owners.',
      'fbar.upload.chooser.primary': 'Account owner',
      'fbar.upload.chooser.joint': 'Joint account',
      'fbar.upload.chooser.joint.help': 'Multiple household members are on this account. Each U.S.-person joint owner reports the FULL balance.',
      'fbar.upload.chooser.coowners': 'Co-owners',
      'fbar.upload.chooser.continue': 'Continue to upload',
      'fbar.accounts.filer_ids.help': 'Select one filer for sole, multiple filers for joint accounts.',
      'fbar.accounts.filter.byFiler': 'Filter: filer',
      'fbar.accounts.filter.byYear': 'Filter: active in year',
      'fbar.accounts.filter.byCurrency': 'Filter: currency',
      'fbar.accounts.filter.all': 'All',
      'fbar.accounts.delete': 'Delete account',
      'fbar.accounts.delete.confirm': 'Delete this account and ALL its yearly balance entries? This cannot be undone.',
      'fbar.accounts.notes': 'Notes',
      'fbar.accounts.status.open': 'Open',
      'fbar.accounts.status.closed': 'Closed ({{year}})',

      // Yearly Balances
      'fbar.balances.title': 'Yearly balances',
      'fbar.balances.intro': 'Enter the highest balance each account held at any point during the calendar year. The FX rate auto-fills from Treasury Year-End rates (verify before filing). USD value = native ÷ FX rate.',
      'fbar.balances.year': 'Year',
      'fbar.balances.col.account': 'Account',
      'fbar.balances.col.currency': 'Cur',
      'fbar.balances.col.max_native': 'Max balance (native)',
      'fbar.balances.col.max_date': 'Date of max',
      'fbar.balances.col.fx_rate': 'FX (per 1 USD)',
      'fbar.balances.col.fx_source': 'FX source',
      'fbar.balances.col.max_usd': 'Max balance (USD)',
      'fbar.balances.col.notes': 'Notes',
      'fbar.balances.fx.auto': 'Treasury Year-End {{year}}',
      'fbar.balances.fx.override': 'Manual override',
      'fbar.balances.fx.missing': 'No rate in Treasury table — enter manually',
      'fbar.balances.copy_prev': 'Copy accounts from {{year}}',
      'fbar.balances.copy_prev.help': 'Pre-populates this year with rows for every account that was open at any point in the previous year.',
      'fbar.balances.no-accounts-active': 'No accounts were active in {{year}}. Adjust account opened/closed years on the Accounts tab.',
      'fbar.balances.missing-warning': 'Missing balance for {{count}} account(s). Threshold determination flagged "insufficient data" until all are entered.',
      'fbar.balances.aggregate.title': 'Per-filer aggregate for {{year}}',
      'fbar.balances.aggregate.threshold': 'Threshold: $10,000 USD',
      'fbar.balances.breakdown.toggle': 'Show breakdown ({{count}} account(s))',
      'fbar.balances.breakdown.noAccounts': 'No accounts assigned to this filer.',
      'fbar.balances.breakdown.totalContributing': 'Total contributing to FBAR aggregate',
      'fbar.balances.breakdown.signatoryOnly': 'signature authority only',
      'fbar.balances.breakdown.stillOpen': 'still open',
      'fbar.balances.breakdown.reason.notUsPerson': 'Excluded: filer is not a U.S. person — FBAR does not apply.',
      'fbar.balances.breakdown.reason.usDomiciled': 'Excluded: U.S.-domiciled account (FBAR aggregates only foreign accounts).',
      'fbar.balances.breakdown.reason.inactive': 'Excluded: not active in this year (opened {{opened}}, closed {{closed}}).',
      'fbar.balances.breakdown.reason.noBalance': 'Excluded: no balance entry for this year. Add one on the table above.',
      'fbar.balances.breakdown.reason.noFx': 'Excluded: missing FX rate for {{currency}}. Refresh from Treasury in Settings, or enter a manual rate.',

      // Threshold verdict
      'fbar.threshold.required.headline': 'FBAR filing required',
      'fbar.threshold.required.body': 'Aggregate {{aggregate}} exceeds the $10,000 threshold for {{year}}. File FinCEN 114 at bsaefiling.fincen.treas.gov by April 15 (auto-extended to October 15).',
      'fbar.threshold.under.headline': 'No FBAR required this year',
      'fbar.threshold.under.body': 'Aggregate {{aggregate}} is under the $10,000 threshold for {{year}}.',
      'fbar.threshold.insufficient.headline': 'Insufficient data',
      'fbar.threshold.insufficient.body': 'One or more accounts are missing a balance entry for {{year}}. Threshold determination is flagged "insufficient data."',

      // Filing Helper (v0.2.29) — per-filer-per-year prep checklist for
      // FinCEN Form 114 (and 114a for third-party preparation).
      'fbar.tab.filing': 'Filing',
      'fbar.filing.title': 'FBAR filing helper',
      'fbar.filing.intro': 'Pre-flight checklist for the BSA E-Filing form (FinCEN 114). Every value below is auto-populated from the filer + account data already in this tool. Edit a filer on the Filers tab and the checklist updates.',
      'fbar.filing.select.filer': 'Filer',
      'fbar.filing.select.year': 'Year',
      'fbar.filing.empty.noFilers': 'Add a filer first.',
      'fbar.filing.empty.notUSPerson': '{{name}} is not a U.S. person — FBAR does not apply.',
      'fbar.filing.notice.underThreshold': '{{name}} is under the $10,000 threshold for {{year}} — FBAR is not required. Checklist shown for record-keeping purposes only.',
      'fbar.filing.notice.unknownThreshold': 'Threshold for {{year}} not yet determined — fill in balances on the Yearly Balances tab to confirm whether filing is required.',

      // Filed-status card
      'fbar.filing.status.title': 'Filing status',
      'fbar.filing.status.toggleLabel': 'I have filed this FBAR for {{name}} for tax year {{year}}',
      'fbar.filing.status.notFiled': 'Not yet filed',
      'fbar.filing.status.filed': '✓ Filed on {{date}}',
      'fbar.filing.status.dateLabel': 'Filed on (YYYY-MM-DD)',
      'fbar.filing.status.bsaIdLabel': 'BSA confirmation ID',
      'fbar.filing.status.notesLabel': 'Notes (optional)',
      'fbar.filing.status.notesPlaceholder': 'e.g., late-filed via Streamlined Procedures, included Explanation narrative, etc.',

      // Mode card
      'fbar.filing.mode.title': 'Filing mode',
      'fbar.filing.mode.help': 'Determines whether Part V (Third-Party Preparer) needs to be filled in, and changes which Critical Fixes apply.',
      'fbar.filing.mode.self': 'Self-filed (this filer signs their own form)',
      'fbar.filing.mode.household': 'Filed by another household member (e.g., parent for a minor child, spouse for spouse)',
      'fbar.filing.mode.household.preparerLabel': 'Preparer',
      'fbar.filing.mode.household.preparerHelp': 'The filer who is preparing and signing on this filer\'s behalf. Form 114a authorization required.',
      'fbar.filing.mode.household.noCandidates': 'No other adult filers in the household. Add one on the Filers tab to use this mode.',
      'fbar.filing.mode.external': 'Filed by external preparer (CPA, attorney, etc.)',
      'fbar.filing.mode.external.note': 'External preparers fill in Part V themselves. Your job is to give them this filer\'s Part I info plus the account data — Part V is on them.',
      'fbar.filing.mode.114a.reminder': 'Reminder: when a third party signs the FBAR, the actual filer must sign FinCEN Form 114a (Record of Authorization to Electronically File FBARs). 114a is NOT submitted to FinCEN — the preparer keeps it on file for 5 years.',

      // Critical Fixes
      'fbar.filing.critical.title': 'Critical fixes (submission errors if wrong)',
      'fbar.filing.critical.intro': 'These items have caused validation errors on real BSA E-Filing submissions. Verify each before clicking Submit.',
      'fbar.filing.critical.item.50': 'Self-Employed checkbox',
      'fbar.filing.critical.item.50.action.preparer': '☑ CHECK this box (in Part V). Unchecking triggers "Firm Name required" / "Firm EIN required" validation errors when no firm is provided.',
      'fbar.filing.critical.item.50.action.self': 'Leave UNCHECKED. Item 50 is on the preparer side; you are the filer, not a preparer.',
      'fbar.filing.critical.item.44a': 'Third-Party Preparer checkbox',
      'fbar.filing.critical.item.44a.action.preparer': '☑ CHECK this box. Tells FinCEN that {{preparer}} is filing on behalf of {{filer}}.',
      'fbar.filing.critical.item.44a.action.self': 'Leave UNCHECKED.',
      'fbar.filing.critical.item.45': 'Filer Title',
      'fbar.filing.critical.item.45.action': '⚠ LEAVE BLANK. Do NOT enter "Parent" / "Minor" / "Self" / anything. Item 45 is for corporate roles only and the form rejects most natural-language entries.',
      'fbar.filing.critical.item.53': 'Firm Name',
      'fbar.filing.critical.item.53.action': 'blank (when Item 50 is checked — no firm, just the individual preparer)',
      'fbar.filing.critical.item.54': 'Firm EIN',
      'fbar.filing.critical.item.54.action': 'blank (when Item 50 is checked)',
      'fbar.filing.critical.item.54a': 'Preparer TIN Type',
      'fbar.filing.critical.item.54a.action': 'SSN ({{name}}\'s SSN as the preparer TIN)',

      // Filer Identity (Part I)
      'fbar.filing.partI.title': 'Filer identity (Part I) — the actual filer',
      'fbar.filing.partI.subtitle': 'These items identify {{name}} on the form. The filer is always the account holder, not the preparer.',
      'fbar.filing.partI.item.name': 'Filer Name (full legal)',
      'fbar.filing.partI.item.tin': 'Filer TIN (SSN)',
      'fbar.filing.partI.item.address': 'Filer Address',
      'fbar.filing.partI.item.type': 'Filer Type',
      'fbar.filing.partI.item.dob': 'Date of Birth',
      'fbar.filing.partI.item.title': 'Filer Title',
      'fbar.filing.partI.value.individual': 'Individual',
      'fbar.filing.partI.value.titleBlank': '⚠ BLANK (reiterated — the most common mistake)',
      'fbar.filing.partI.value.ssnMissing': '— missing — add SSN last 4 on the Filers tab',
      'fbar.filing.partI.value.addressMissing': '— missing — add filing address on the Filers tab',
      'fbar.filing.partI.value.dobMissing': '— missing — add DOB on the Filers tab',
      'fbar.filing.partI.minorNote': 'Minor filer: the FBAR is the child\'s, but a parent may sign on the child\'s behalf using Form 114a. Filer name (Items 1-3) is still the child, never the parent.',

      // Account Information (Parts II / III / IV) — v0.2.32
      'fbar.filing.accounts.title': 'Account information (Parts II / III / IV)',
      'fbar.filing.accounts.intro': 'Walk through every reportable account for {{year}}, grouped by ownership type. Each block lists the field values that go onto the BSA E-Filing form for that account.',
      'fbar.filing.accounts.rescanReminder': '⚠ Before filling in the form: re-scan or re-upload all account documents for this year. Values below come from the most recent extraction — if balance data is stale, the form will be wrong.',
      'fbar.filing.accounts.gotoAccounts': 'Go to Accounts →',
      'fbar.filing.accounts.empty': '{{name}} has no reportable accounts active for {{year}}. Add accounts on the Accounts tab.',
      'fbar.filing.accounts.part2': 'Part II (separate)',
      'fbar.filing.accounts.part3': 'Part III (joint)',
      'fbar.filing.accounts.part4': 'Part IV (signature only)',
      'fbar.filing.accounts.partII.header': 'Part II — Accounts owned separately',
      'fbar.filing.accounts.partII.subtitle': 'Filer is the sole U.S. person with a financial interest in these accounts. Items 14-22 on the form.',
      'fbar.filing.accounts.partIII.header': 'Part III — Accounts owned jointly',
      'fbar.filing.accounts.partIII.subtitle': 'Filer shares interest with at least one other U.S. person who is also reporting these accounts. Items 24-33 on the form.',
      'fbar.filing.accounts.partIV.header': 'Part IV — Signature authority only',
      'fbar.filing.accounts.partIV.subtitle': 'Filer has signature or other authority over these accounts but no financial interest in them. Items 34-43 on the form.',
      'fbar.filing.accounts.accountIndex': 'Account {{idx}} of {{total}}',
      'fbar.filing.accounts.field.maxValue': 'Maximum value during year',
      'fbar.filing.accounts.field.maxValue.help': 'Highest single-day balance during the calendar year. Convert to USD using the Treasury Year-End rate.',
      'fbar.filing.accounts.field.maxDate': 'Date of maximum',
      'fbar.filing.accounts.field.maxDate.help': 'The single calendar day on which the highest balance occurred. Not asked on the form, but useful for cross-reference.',
      'fbar.filing.accounts.field.fxRate': 'Exchange rate (foreign units per 1 USD)',
      'fbar.filing.accounts.field.fxRate.help': 'Treasury Year-End rate used for USD conversion. Verify against fiscal.treasury.gov before filing.',
      'fbar.filing.accounts.field.acctType': 'Account type',
      'fbar.filing.accounts.field.acctType.otherHelp': 'If "Other," describe the type in the supplemental field on the form.',
      'fbar.filing.accounts.field.institutionName': 'Name of financial institution',
      'fbar.filing.accounts.field.acctNumber': 'Account number / designation',
      'fbar.filing.accounts.field.address': 'Mailing address (street, city, state)',
      'fbar.filing.accounts.field.country': 'Country',
      'fbar.filing.accounts.field.currency': 'Currency (filer\'s reference)',
      'fbar.filing.accounts.field.jointOwners': 'Co-owners (other U.S. person filers)',
      'fbar.filing.accounts.field.jointOwners.help': 'On the form, the principal joint owner\'s name + TIN goes in Items 25-26. Each co-owner files their own FBAR — they don\'t share one filing.',
      'fbar.filing.accounts.field.jointCount': 'Number of joint owners',
      'fbar.filing.accounts.field.signatoryNote': 'Signature-authority note',
      'fbar.filing.accounts.field.signatoryNote.value': 'No financial interest — filer has signature authority only',
      'fbar.filing.accounts.field.signatoryNote.help': 'Items 35-36 ask for the principal account owner\'s name + TIN. That is the actual account holder, not the filer.',
      'fbar.filing.accounts.value.missing': '— missing — fix on the Accounts tab',
      'fbar.filing.accounts.value.fxMissing': '— missing — re-enter or fetch from Treasury on Yearly Balances',
      'fbar.filing.accounts.joint.unknown': '— co-owners not in this household — add them as filers, or list manually',
      'fbar.filing.accounts.missingHeader': '{{count}} account(s) have no balance entry for {{year}}:',

      // Preparer Identity (Part V)
      'fbar.filing.partV.title': 'Preparer identity (Part V)',
      'fbar.filing.partV.subtitle': '{{name}} — the third-party preparer signing on the filer\'s behalf.',
      'fbar.filing.partV.noPreparer': 'No preparer selected. Pick one above (Filing mode → Preparer).',
      'fbar.filing.partV.external.subtitle': 'Filled in by the external preparer, not by you.',
      'fbar.filing.partV.external.note': 'When a CPA, attorney, or other external preparer files on your behalf, they enter their own information in Part V. Your responsibilities are limited to signing Form 114a (authorization) and providing accurate Part I + account data.',
      'fbar.filing.partV.item.44a': 'Third-party preparer box',
      'fbar.filing.partV.item.47': 'Preparer Last Name',
      'fbar.filing.partV.item.48': 'Preparer First Name',
      'fbar.filing.partV.item.49': 'Preparer Middle Initial',
      'fbar.filing.partV.item.49.value': 'optional',
      'fbar.filing.partV.item.50': 'Self-Employed',
      'fbar.filing.partV.item.51': 'Preparer TIN',
      'fbar.filing.partV.item.51.suffix': '({{name}}\'s SSN)',
      'fbar.filing.partV.item.54a': 'Preparer TIN Type',
      'fbar.filing.partV.item.54a.value': 'SSN',
      'fbar.filing.partV.item.53': 'Firm Name',
      'fbar.filing.partV.item.54': 'Firm EIN',
      'fbar.filing.partV.item.address': 'Preparer Address (Items 55-59 — Street, City, State, ZIP, Country)',
      'fbar.filing.partV.item.contact': 'Phone / Email',
      'fbar.filing.partV.item.contact.value': 'recommended (FinCEN may contact for clarification)',
      'fbar.filing.partV.value.checked': '☑ CHECKED',
      'fbar.filing.partV.value.blank': 'blank',
      'fbar.filing.partV.value.addressMissing': '— missing — add preparer\'s filing address on the Filers tab',
      'fbar.filing.partV.114a.reminder': 'Form 114a (preparer authorization): retained by the preparer for 5 years. Do NOT submit 114a to FinCEN.',

      // Common Mistakes
      'fbar.filing.mistakes.title': 'Common mistakes to avoid',
      'fbar.filing.mistakes.intro': 'Failure modes seen on real filings. None of these are caught by FinCEN\'s validator — they\'re your problem if missed.',
      'fbar.filing.mistakes.item.filerName': 'Putting the preparer\'s name in the Filer Name field — the filer is always the account holder, never the preparer.',
      'fbar.filing.mistakes.item.title': 'Writing "Parent" / "Minor" / "Self" in Filer Title (Item 45) — leave blank.',
      'fbar.filing.mistakes.item.44a': 'Forgetting to check Item 44a (third-party preparer) — system treats the filing as self-prepared and may flag it later.',
      'fbar.filing.mistakes.item.50': 'Forgetting to check Item 50 (self-employed) — triggers Firm Name / EIN validation errors.',
      'fbar.filing.mistakes.item.114peryear': 'Using one Form 114 to cover multiple years — file ONE form per filer per year.',
      'fbar.filing.mistakes.item.yearEnd': 'Reporting year-end balance instead of MAX balance during the year (Part III Item 15) — report the highest single-day balance.',
      'fbar.filing.mistakes.item.fxRate': 'Using the bank\'s own rate or a Google rate for USD conversion — use the Treasury Year-End rate ONLY (fiscal.treasury.gov).',
      'fbar.filing.mistakes.item.jointMarking': 'Marking an individually-owned account as joint (Item 20) — only mark as joint when there\'s a true co-owner who is also a U.S. person.',
      'fbar.filing.mistakes.item.under10k': 'Omitting an account because it\'s under $10K — the threshold is AGGREGATE across ALL the filer\'s foreign accounts. If the aggregate exceeds $10K, EVERY account must be reported.',

      // Checklist table headers
      'fbar.filing.col.item': 'Item',
      'fbar.filing.col.field': 'Field',
      'fbar.filing.col.action': 'Action',

      // Late Filing Explanation generator (Phase 2 — v0.2.30)
      'fbar.filing.late.title': 'Late filing explanation',
      'fbar.filing.late.intro': '750-character narrative for the FinCEN Form 114 "Explanation for Late Filing" field. Pick a category — the textarea pre-fills with a template you can edit. Only relevant when filing late (after April 15 / October 15).',
      'fbar.filing.late.categoryLabel': 'Category',
      'fbar.filing.late.autoDetected': 'Auto-detected from this filer\'s record: {{category}}. Override below if the auto-detection is wrong.',
      'fbar.filing.late.category.minor_in_japan': 'Minor in Japan, parent manages accounts',
      'fbar.filing.late.category.adult_us_in_japan': 'Adult U.S. person residing in Japan',
      'fbar.filing.late.category.adult_us_dual_national': 'Dual national, lifelong Japan resident',
      'fbar.filing.late.category.spouse_no_signature': 'Spouse of non-U.S. person, household accounts',
      'fbar.filing.late.category.custom': 'Custom (write your own)',
      'fbar.filing.late.copy': 'Copy',
      'fbar.filing.late.copied': 'Copied',
      'fbar.filing.late.reset': 'Reset to template',
      'fbar.filing.late.footerHelp': 'On the BSA E-Filing portal, select "Other" as the late-filing reason and paste this text verbatim into the Explanation for Late Filing field.',

      // Form 114a (Phase 2 — v0.2.31)
      'fbar.filing.f114a.title': 'Form 114a — preparer authorization',
      'fbar.filing.f114a.intro': 'Authorization the filer signs to let a preparer e-file the FBAR on their behalf. NOT submitted to FinCEN — preparer keeps it on file for 5 years. Below is the auto-populated preview; click Print to open a printable A4 page that both parties sign by hand.',
      'fbar.filing.f114a.print': '🖨 Print Form 114a',
      'fbar.filing.f114a.noPreparer': 'Pick a preparer above (Filing mode → Preparer) to populate the form.',
      'fbar.filing.f114a.external.note': 'For external preparers (CPA / attorney), Form 114a is normally provided by the preparer with their info pre-filled. The button below generates a stub with only the filer side populated — give it to the preparer who completes and retains it.',
      'fbar.filing.f114a.footerHelp': 'Both filer and preparer sign by hand. The preparer retains the signed form for 5 years following the FBAR submission.',
      'fbar.filing.f114a.preview.filerName': 'Filer name',
      'fbar.filing.f114a.preview.filerSsn': 'Filer TIN (SSN)',
      'fbar.filing.f114a.preview.filerAddress': 'Filer address',
      'fbar.filing.f114a.preview.preparerName': 'Preparer name',
      'fbar.filing.f114a.preview.preparerFirm': 'Firm name',
      'fbar.filing.f114a.preview.preparerAddress': 'Preparer address',
      'fbar.filing.f114a.preview.preparerTin': 'Preparer TIN',
      'fbar.filing.f114a.preview.years': 'Year(s) authorized',
      'fbar.filing.f114a.preview.firmBlank': 'blank — self-employed (Item 50 checked)',
      'fbar.filing.f114a.preview.ssnMissing': '— missing — add SSN last 4 on the Filers tab',
      'fbar.filing.f114a.preview.addressMissing': '— missing — add filing address on the Filers tab',

      // Treasury Rates Reference (Phase 2 — v0.2.31)
      'fbar.filing.rates.title': 'Treasury rates reference',
      'fbar.filing.rates.intro': 'Quick lookup for the FBAR threshold ($10,000 USD) in the foreign currencies that appear in your accounts, year by year. Source = Treasury Year-End rates (verified or placeholder, depending on whether you\'ve refreshed from fiscal.treasury.gov).',
      'fbar.filing.rates.empty': 'No accounts yet. Add at least one foreign-currency account on the Accounts tab to see rates.',
      'fbar.filing.rates.allUsd': 'All accounts in this household are in USD — no FX conversion required for FBAR. Max balances go directly onto the form in USD.',
      'fbar.filing.rates.noYears': 'No years with data yet. Add yearly balances to populate the rates table.',
      'fbar.filing.rates.unknownCurrency': '⚠ {{currencies}}: not in the Treasury rate table. Look up rates manually at fiscal.treasury.gov before filing.',
      'fbar.filing.rates.col.year': 'Year',
      'fbar.filing.rates.refresh': 'Refresh from Treasury',
      'fbar.filing.rates.refreshing': 'Refreshing…',
      'fbar.filing.rates.refreshFailed': 'Failed to refresh Treasury rates.',
      'fbar.filing.rates.source.placeholder': 'UNVERIFIED placeholder rates — click Refresh to fetch live rates from fiscal.treasury.gov before filing.',
      'fbar.filing.rates.source.fetched': 'Live Treasury rates · last fetched {{date}}',

      // AI FBAR Advisor (Phase 2 — v0.2.31)
      'fbar.filing.advisor.title': 'AI FBAR advisor',
      'fbar.filing.advisor.intro': 'Quick Q&A about FBAR rules, deadlines, and risks. Backed by Claude using your API key. Sanitized context only — no account numbers, balances, or names are sent.',
      'fbar.filing.advisor.noKey': 'Set up a Claude API key in Settings to enable the advisor. The key is stored in your browser only and the call goes direct to api.anthropic.com.',
      'fbar.filing.advisor.preset.overview.label': 'Overview',
      'fbar.filing.advisor.preset.overview.prompt': 'Give me a brief overview of FBAR (FinCEN Form 114) requirements for U.S. persons living abroad — who must file, what gets reported, and the threshold.',
      'fbar.filing.advisor.preset.deadlines.label': 'Deadlines',
      'fbar.filing.advisor.preset.deadlines.prompt': 'When are FBAR filings due? What is the automatic extension? What if I miss the deadline?',
      'fbar.filing.advisor.preset.risks.label': 'Risks',
      'fbar.filing.advisor.preset.risks.prompt': 'What are the penalties for late or missed FBAR filings? What is the IRS Streamlined Filing Compliance Procedures program and when should I consider it?',
      'fbar.filing.advisor.placeholder': 'Ask about FBAR filing, deadlines, compliance…',
      'fbar.filing.advisor.ask': 'Ask',
      'fbar.filing.advisor.loading': 'Asking Claude…',
      'fbar.filing.advisor.errorEmpty': '(empty response — try rephrasing the question)',
      'fbar.filing.advisor.errorPrefix': 'Error:',
      'fbar.filing.advisor.disclaimer': 'Educational only. Always verify with fincen.gov and consult a qualified tax professional before filing.',

      // Print Summary
      'fbar.print.title': 'Print summary',
      'fbar.print.intro': 'Generate a print-friendly A4 summary for a single filer and year. Use it to take to a CPA or to cross-reference while filing on the BSA E-Filing System.',
      'fbar.print.select.filer': 'Filer',
      'fbar.print.select.year': 'Year',
      'fbar.print.generate': 'Generate summary',
      'fbar.print.preview.title': 'Preview',
      'fbar.print.print': 'Print',
      'fbar.print.empty': 'Select a filer and year to preview the summary.',

      // Common
      'fbar.year.add': 'Add year',
      'fbar.action.save': 'Save',
      'fbar.action.cancel': 'Cancel',
      'fbar.action.edit': 'Edit',
      'fbar.action.done': 'Done',
      'fbar.action.delete': 'Delete',

      // Vision-based upload (v0.2.2)
      'fbar.upload.button': 'Upload bank document',
      'fbar.upload.button.tooltip': 'Upload a passbook page, bank statement, or screenshot. Sent to Claude via your API key for extraction; image is held in memory only.',
      'fbar.upload.dropHint': 'or drop a file here',
      'fbar.upload.drop': 'Drop bank document to extract',
      'fbar.upload.modal.title': 'Send to Claude for extraction?',
      'fbar.upload.modal.body': "This document will be sent to Anthropic via your Claude API key. It is held in memory only — never saved to your browser storage. Anthropic's privacy policy applies to what they receive.",
      'fbar.upload.modal.destination': 'Destination',
      'fbar.upload.modal.model': 'Model',
      'fbar.upload.modal.cost': 'Approx cost',
      'fbar.upload.send': 'Send to Claude',
      'fbar.upload.cancel': 'Cancel',
      'fbar.upload.status.sending': 'Extracting from {{name}}…',
      'fbar.upload.status.applying': 'Extracted. Creating account…',
      'fbar.upload.error.unsupported': 'Unsupported file type. Use PNG, JPG, WEBP, GIF, or PDF.',
      'fbar.upload.noKey.body': 'A Claude API key is required to upload documents.',
      'fbar.upload.noKey.openSettings': 'Open Settings now',
      'fbar.upload.banner.from': 'AI-extracted from {{file}}',
      'fbar.upload.banner.confidence': 'confidence',
      'fbar.upload.banner.verify': 'Please verify every field before saving — AI extraction can be wrong, especially on handwritten or low-resolution documents.',
      'fbar.upload.banner.holderDetected': 'Account holder detected',
      'fbar.upload.banner.markVerified': 'Mark verified',
      'fbar.upload.banner.balancesCreated': '{{count}} balance entries created',
      'fbar.upload.banner.viewBalances': 'View on Yearly Balances tab',
      'fbar.upload.banner.noBalances': 'No balance entries created — the model could not identify dated balances. Check the Yearly Balances tab and add them manually, or re-upload a clearer image.',
      'fbar.upload.banner.partial': 'Response was truncated at the token limit — recovered partial data. Verify carefully and re-upload if any years are missing.',
      // Duplicate document detection
      'fbar.dup.title': 'Duplicate document detected',
      'fbar.dup.body': 'This file matches a document you\'ve uploaded before (compared by SHA-256 hash of the bytes). What would you like to do?',
      'fbar.dup.originalFile': 'Original filename',
      'fbar.dup.originalUpload': 'Originally uploaded',
      'fbar.dup.explainer': 'Updating the existing account will re-extract from the document and merge any newly-discovered yearly balances into the existing record. Account-level fields (institution name, address, etc.) you\'ve already curated will be left alone.',
      'fbar.dup.choice.update': 'Update existing account (merge new years/data)',
      'fbar.dup.choice.addNew': 'Add as a new account anyway',
      'fbar.dup.summary.title': 'Re-upload merge summary',
      'fbar.dup.summary.body': 'Merged {{file}} into {{institution}}.',
      'fbar.dup.summary.added': 'Years added',
      'fbar.dup.summary.updated': 'Years updated (value changed)',
      'fbar.dup.summary.unchanged': 'Years unchanged',
      // Account-number-based merge (different file, same account)
      'fbar.acctmatch.title': 'Account number matches an existing account',
      'fbar.acctmatch.body': 'A different file was uploaded for what looks like the same account (matched by account number). What would you like to do?',
      'fbar.acctmatch.existingNum': 'Existing account #',
      'fbar.acctmatch.extractedNum': 'Extracted from this upload',
      'fbar.acctmatch.explainer': 'Updating the existing account merges any newly-discovered yearly balances into that record. Account-level fields (institution name, address, etc.) you\'ve already curated will be left alone. Adding as new will create a separate, second account record.',
      'fbar.acctmatch.choice.merge': 'Update existing account (merge new years/data)',
      'fbar.acctmatch.choice.new': 'Add as a new account anyway',
      'fbar.upload.status.partial': 'partial recovery',
      'fbar.upload.status.enriching': 'Auto-enriching with institution facts…',
      'fbar.upload.autoEnrich.label': 'Also auto-enrich with institution facts',
      'fbar.upload.autoEnrich.help': 'After extracting from the document, ask Claude to fill in canonical institution info (English address, English name, etc.) using its training knowledge. Only fills empty fields — never overwrites what the document said. Adds ~$0.005 to the call.',
      'fbar.upload.banner.autoEnriched': 'Auto-enriched: {{count}} field(s) filled ({{fields}})',
      'fbar.upload.banner.consolidated': '{{count}} consolidated (合算) range(s) detected — peak balance during these ranges may be hidden:',
      'fbar.upload.banner.fdReferences': '{{count}} fixed-deposit (FD / 定期) reference(s) detected on this passbook:',
      'fbar.upload.banner.warnings': '{{count}} extraction warning(s) — please review:',
      'fbar.upload.banner.carryOver': 'Carry-over balance from previous book (繰越高): {{amount}} {{currency}}',
      'fbar.upload.banner.multiAccount': 'Sub-account {{index}} of {{count}} created from a single multi-account document (e.g., FD certificate with multiple sub-deposits). Sibling accounts inherit shared metadata; each sub-account contributes its own max balance to the FBAR aggregate.',
      'fbar.balances.yearsOnFile': 'Years on file ({{count}}) — click to switch',
      'fbar.balances.carryForwardHint': 'Carry-forward from prior year (no transactions detected — verify before filing)',
      'fbar.balances.row.delete.tooltip': 'Delete this balance entry (does not delete the account)',
      'fbar.balances.row.delete.confirm': 'Delete the {{year}} balance entry for {{institution}}? This does not delete the account itself, just this year\'s row.',
      'fbar.balances.allFilers': 'All filers',
      'fbar.balances.filerFilter': 'Show filer:',
      'fbar.balances.clearFilter': 'Clear filter',
      'fbar.balances.no-accounts-for-filer': 'No accounts for the selected filer in {{year}}.',
      'fbar.balances.unowned': 'No owner assigned — this account will not contribute to any filer\'s aggregate. Edit on the Accounts tab.',
      // Add Filer modal
      'fbar.filers.modal.addTitle': 'Add filer',
      'fbar.filers.modal.editTitle': 'Edit filer',
      'fbar.filers.modal.saveAdd': 'Add filer',
      'fbar.filers.modal.saveEdit': 'Save changes',
      'fbar.filers.modal.nameRequired': 'Name (English or Japanese) is required.',
      // AI enrich
      'fbar.enrich.button': 'AI enrich',
      'fbar.enrich.button.tooltip': 'Ask Claude to fill in known facts about this institution (HQ address, English name, SWIFT code, etc.). Sends only institution-level metadata — never account number, balances, or filer names.',
      'fbar.enrich.modal.title': 'AI enrich account',
      'fbar.enrich.modal.body': 'Claude will fill in canonical facts about this institution from its training knowledge. You\'ll review every suggestion before anything is applied.',
      'fbar.enrich.modal.willSend': 'What will be sent to Claude',
      'fbar.enrich.modal.privacy': 'Only institution-level metadata is sent. Account numbers, filer names, balances, and notes are NOT included. The summary above is the complete payload.',
      'fbar.enrich.modal.costEstimate': 'Approx cost: ~$0.005 (text-only call)',
      'fbar.enrich.modal.send': 'Ask Claude',
      'fbar.enrich.status.sending': 'Asking Claude about {{name}}…',
      'fbar.enrich.status.review': 'Got suggestions. Review which to apply.',
      'fbar.enrich.review.title': 'Review AI suggestions',
      'fbar.enrich.review.body': 'Suggestions for {{institution}}. Check the boxes for fields you want to apply, then click Apply.',
      'fbar.enrich.review.apply': 'Apply selected',
      'fbar.enrich.review.confidence': 'confidence',
      'fbar.enrich.review.appendMode': 'Will be appended to existing notes, not replaced.',
      'fbar.enrich.review.nothingToApply': 'No new information from Claude — every field already matches or the model returned no suggestions.',
      // Name conflict modal
      'fbar.conflict.title': 'Name mismatch detected',
      'fbar.conflict.body': 'The {{field}} on file for {{filer}} differs from what was extracted from the uploaded document. Which would you like to keep?',
      'fbar.conflict.existing': 'Existing on file',
      'fbar.conflict.extracted': 'Extracted from scan',
      'fbar.conflict.keep': 'Keep existing',
      'fbar.conflict.replace': 'Use extracted',
      'fbar.conflict.skip': 'Decide later',
    },
    ja: {
      'app.title': '対岸 Taigan Bridge',
      'app.subtitle': '対岸で暮らすアメリカ人のためのファイナンシャル・プランニング。',
      'app.tagline.short': '太平洋を越えて、整理する。',
      'nav.dashboard': 'ダッシュボード',
      'nav.profile': 'プロフィール',
      'nav.settings': '設定',
      'nav.about': '本ツールについて',
      'banner.disclaimer': '整理用ツールです。金融・税務・法律・医療のアドバイスではありません。',
      'overlay.close':                  '閉じる',
      'overlay.license.title':          'ライセンス',
      'overlay.license.missing':        'ライセンス文を読み込めませんでした。プロジェクトルートの LICENSE.md をご参照ください。',
      'overlay.changelog.title':        '更新履歴',
      'overlay.changelog.intro':        '下が最も古く、上が最新のリリースノートです。',
      'overlay.changelog.missing':      '更新履歴を読み込めませんでした。プロジェクトルートの CHANGELOG.md をご参照ください。',
      'overlay.feedback.title':         'フィードバックを送る',
      'overlay.feedback.intro':         'バグ報告・機能要望・日本語訳の改善提案など、何でもお寄せください。ビルド番号とブラウザ情報は自動添付され、再現性を確保します。',
      'overlay.feedback.subject':       '件名',
      'overlay.feedback.body':          '本文',
      'overlay.feedback.placeholder':   'お伝えになりたい内容(うまくいった点・いかなかった点・あったら良いと思う機能 など)',
      'overlay.feedback.openMail':      'メールアプリで開く',
      'overlay.feedback.copy':          'クリップボードにコピー',
      'overlay.feedback.copied':        'コピーしました',
      'overlay.feedback.privacy':       '送信先は {{email}} のみです。送られるのはメッセージ本文だけで、アクセス解析や識別情報は一切付きません。',
      'overlay.tip.title':              'コーヒーをおごる',
      'overlay.tip.intro':              'Taigan Bridge は無料・広告なしでご利用いただけます。チップは AI 機能の API コストの維持と、国境を越える税務・医療コンテンツの専門家レビュー費用に充てさせていただきます。',
      'overlay.tip.where':              'どのサービスからでも同じ作者に届きます。お好みのものをお選びください:',
      'overlay.tip.comingSoon.badge':   '準備中',
      'overlay.tip.comingSoon.tooltip': '現在ご利用いただけません — GitHub Sponsors の承認待ちです。',
      'overlay.tip.thanks':             'チップは決して必須ではありません。本ツールをお使いいただきありがとうございます。',

      // ─── Demo / sample-data mode ─────────────────────────────────
      'onboarding.tryDemo':             'サンプルデータで試す',
      'onboarding.tryDemo.tooltip':     '架空の世帯データを読み込み、ご自身の情報を入力する前に全モジュールをご確認いただけます。',
      'demo.banner.label':              'デモデータ',
      'demo.banner.body':               '現在、架空の世帯データ({{profile}})を表示しています。ご自身の情報ではありません。',
      'hostedDemo.banner.label':        'ライブデモ',
      'hostedDemo.banner.body':         '現在、Taigan Bridge のホスト型プレビューをご覧になっています。実際の財務情報は入力しないでください。変更内容は他の端末には引き継がれず、ご自身でダウンロードしていないコピーで使用する想定でも設計されていません。',
      'hostedDemo.banner.cta':          'ダウンロードしてご自身用に',
      'hostedDemo.aiDisabled':          'AI 機能はライブデモでは無効です。ご利用になるには、Taigan Bridge をダウンロードし、お手元の端末でご自身の Anthropic キーを設定してください。',

      // ─── アップデート確認(新しいリリースの通知)──────────────
      'updateCheck.banner.label':       'アップデートあり',
      'updateCheck.banner.body':        'Taigan Bridge v{{version}} が公開されました。',
      'updateCheck.banner.download':    'ダウンロード',
      'updateCheck.banner.dismiss':     '閉じる',
      'updateCheck.banner.dismissAria': 'このバージョン通知を閉じる',
      'updateCheck.consent.title':      'アップデートを確認しますか?',
      'updateCheck.consent.body':       'Taigan Bridge は 1 日 1 回、新しいリリースがあるかを GitHub で確認できます。新しいリリースには、税率の更新、FBAR 基準額の変更、新モジュールなどが含まれることがあります。古いバージョンの金融ツールを使い続けるのは望ましくありません。',
      'updateCheck.consent.bullet1':    '個人情報は一切送信しません。github.io 上の小さな静的ファイルを取得するだけです。',
      'updateCheck.consent.bullet2':    '24 時間に 1 回までの頻度で実行します。',
      'updateCheck.consent.bullet3':    '設定 → アップデート からいつでも変更できます。',
      'updateCheck.consent.yes':        'はい、確認する',
      'updateCheck.consent.no':         'いいえ、確認しない',
      'updateCheck.consent.later':      'あとで決める',
      'updateCheck.settings.title':     'アップデート',
      'updateCheck.settings.help':      '新しいリリースを GitHub で確認します。確認は 24 時間に 1 回までで、個人情報は一切送信しません。',
      'updateCheck.settings.toggle':    '起動時にアップデートを確認',
      'updateCheck.settings.toggleHelp':'アプリ起動時に、1 日 1 回までの頻度で自動確認します。初期設定はオフです。',
      'updateCheck.settings.checkNow':  '今すぐ確認',
      'updateCheck.settings.releasesLink':'GitHub ですべてのリリースを表示',
      'updateCheck.settings.currentVersion':'現在のバージョン: v{{version}}',
      'updateCheck.settings.lastChecked':'最終確認: {{when}}',
      'updateCheck.settings.lastCheckedNever':'未確認',
      'updateCheck.settings.upToDate':  '最新版を使用中です(v{{version}})。',
      'updateCheck.settings.newer':     'v{{version}} が利用可能です。上部のバナーからダウンロードしてください。',
      'updateCheck.settings.error':     '最終確認に失敗しました: {{error}}。ネットワーク接続、または GitHub Pages の一時的な問題の可能性があります。',
      'updateCheck.toast.checking':     'アップデートを確認中…',
      'demo.banner.exit':               'デモを終了',
      'demo.confirm.overwrite':         'サンプル世帯を読み込むと、すでに入力済みのデータがすべて上書きされます。事前のバックアップをおすすめします。\n\nデモを読み込みますか?',
      'demo.confirm.exit':              'デモモードを終了しますか?サンプルデータはすべて削除され、Taigan Bridge は初期状態に戻ります。',
      'demo.picker.title':              'デモ世帯を選択',
      'demo.picker.intro':              '2 種類の架空世帯から選べます。Taigan Bridge が異なる状況にどう対応するかをご確認いただけます。どちらも即座に読み込まれます。ご自身に近い方をお選びいただくか、両方ご覧ください。',
      'demo.picker.warning':            'どちらを選んでも、入力済みのデータは上書きされます。残しておきたい場合は、設定 → バックアップ から事前にエクスポートしてください。',
      'demo.picker.load':               'このデモを読み込む',
      'settings.demo.title':            'デモ・サンプルデータ',
      'settings.demo.intro':            '実データを入力する前に、完全な架空世帯を読み込んで全モジュールをご確認いただけます。SOFA 契約者世帯と、永住ビザの長期居住者世帯の 2 種類があります。',
      'settings.demo.loadBtn':          'デモ世帯を選択',
      'settings.demo.loadTooltip':      'デモ選択画面を開きます。現在のデータは 2 種類の架空世帯のいずれかに置き換えられます。',
      'settings.demo.exitBtn':          'デモを終了・データ削除',
      'settings.demo.activeBadge':      'デモモード稼働中',
      'settings.demo.help':             'すべてのサンプルデータは明らかに架空のもの(プレースホルダー名・住所・医療機関名等)です。ページ上部に常設バナーが表示され、スクリーンショットでもデモと実データを混同しません。終了するとすべて削除されますので、メモを残したい場合は事前にバックアップを取得してください。',
      'footer.license': 'ライセンス',
      'footer.changelog': '更新履歴',
      'footer.feedback': 'フィードバック',
      'footer.tips': '☕ チップ',
      'footer.copyright': '© 2026 Benjamin Eichhorn — 個人利用に限り無償。',
      'lang.toggle': 'English',
      'theme.toggleToDark': 'ダークモードに切り替え(OS 設定に依存しません)',
      'theme.toggleToLight': 'ライトモードに切り替え(OS 設定に依存しません)',
      'nav.print': 'このビューを印刷',
      // 世帯・配偶者ビューモード
      'viewmode.toggleToSpouse': '配偶者ビューに切替',
      'viewmode.toggleToUser':   '自分のビューに戻す',
      'viewmode.banner.title':   '表示中:配偶者ビュー',
      'viewmode.banner.body':    '日本側の世帯アクション(確定申告・住民税・ふるさと納税・NHI・子のパスポート)が優先表示。米国側申告は「配偶者対応」ピル付きで控えめに表示(あなたの担当のため)。配偶者へのブリーフィングや二言語引継パッケージ生成に有用。',
      'viewmode.banner.exit':    '自分のビューに戻す',
      // ドキュメント保管庫 — ヒートマップ + 一括取り込み + 更新 + リンク
      'docvault.heatmap.title':       '更新カレンダー',
      'docvault.heatmap.subtitle':    '今後 12 ヶ月の月別有効期限',
      'docvault.heatmap.empty':       '期限のある書類なし。パスポート・ビザ・在留カードを追加すると更新時期が表示されます。',
      'docvault.heatmap.expired':     '{{n}} 件の書類が期限切れです。至急更新してください',
      'docvault.heatmap.later':       '+ 12 ヶ月以降に {{n}} 件',
      'docvault.heatmap.month_title': '{{label}} の期限到来 · {{n}} 件',
      'docvault.close':               '閉じる',
      'docvault.field.link.label':    '記録にリンク',
      'docvault.field.link.help':     '家族メンバー・不動産・資産口座にこの書類を紐付けると、その詳細ビューにも表示されます。',
      'docvault.field.link.none':     '— なし —',
      'docvault.field.link.choose':   '記録を選択',
      'docvault.field.link.no_records': '{{module}} の記録がまだありません。先に追加してからリンクしてください。',
      'docvault.renewal.title':       '更新チェックリスト(行き先と必要書類)',
      'docvault.bulk.button':         '一括取り込み',
      'docvault.bulk.tooltip':        '複数の書類を同時にドロップ;Claude vision が各書類のメタデータを自動補完',
      'docvault.bulk.title':          '一括書類の取り込み',
      'docvault.bulk.intro':          '最大 {{max}} 件の書類をドロップまたは選択。各書類は Claude vision に送信されメタデータが抽出されます(呼び出し時確認モードでは各ファイルごとに確認モーダル)。保存前に結果を確認可能。',
      'docvault.bulk.dropTitle':      'ファイルをドロップまたはクリックして選択',
      'docvault.bulk.dropHelp':       'PNG / JPG / WEBP / GIF / PDF · 最大 {{max}} 件 · 1 ファイル 10 MB まで',
      'docvault.bulk.dropOver':       '⤓ ドロップして取り込み',
      'docvault.bulk.choose':         'ファイルを選択',
      'docvault.bulk.queued':         '{{n}} 件をキュー登録。「開始」で処理開始。',
      'docvault.bulk.start':          '処理開始',
      'docvault.bulk.save':           'すべて保管庫に保存',
      'docvault.bulk.complete':       '✓ 処理完了 {{n}} / {{total}} 件 · 合計 ${{cost}}',
      'docvault.bulk.status.queued':     'キュー',
      'docvault.bulk.status.processing': '処理中…',
      'docvault.bulk.status.done':       '完了',
      'docvault.bulk.status.error':      'エラー',
      // 検索パレット(⌘K / Ctrl+K)
      'search.tooltip': 'モジュール・区画・記録・用語集を検索({{kbd}})',
      'search.ariaLabel': '検索パレットを開く',
      'search.placeholder': 'モジュール・記録・用語集を検索…',
      'search.kbd.navigate': '移動',
      'search.kbd.select': '選択',
      'search.indexSize': '{{n}} 件',
      'search.recent': '最近',
      'search.recentMissing': '最近の項目はインデックスに存在しません。検索語を入力してください。',
      'search.clearRecent': '最近を消去',
      'search.emptyHint': 'モジュール・記録・アクション項目・用語集・設定を横断検索。EN / 日本語 どちらの語でもヒットします。',
      'search.noResults': '"{{q}}" に一致する項目はありません。短い語や別の表記をお試しください(EN / 日本語両方検索可能)。',
      'onboarding.intro.title': 'はじめに、状況を整理しましょう。',
      'onboarding.intro.body': '一連の短い質問です。回答に応じてダッシュボードに表示するモジュールが決まり、世帯単位のデフォルト(例:日本側申告は誰が担当?)が事前入力されます。該当しない質問は分岐スキップ。回答はプロフィールからいつでも編集可能。',
      'onboarding.start': '開始',
      'onboarding.next': '次へ',
      'onboarding.back': '戻る',
      'onboarding.finish': '完了',
      'onboarding.progress': '{{n}} / {{total}} 問目',
      'onboarding.required': '続けるには回答してください。',
      // 単一回答編集モード(プロフィールの ✎ から起動)
      'onboarding.editOne': '回答を 1 つ更新',
      'onboarding.cancel':  'キャンセル',
      'onboarding.save':    '保存',
      'dashboard.title': 'ダッシュボード',
      'dashboard.tracks': 'あなたのトラック',
      'dashboard.modules': 'モジュール',
      'dashboard.locked': 'ロック中',
      'dashboard.locked.help': 'モジュールを増やすには、オンボーディングを再実行してください。',
      'dashboard.rerun': 'オンボーディングを再実行',
      'dashboard.customize': 'ダッシュボードをカスタマイズ',
      'dashboard.customize.title': 'ダッシュボードモジュールをカスタマイズ',
      'dashboard.customize.intro': 'オンボーディングで未解除のモジュールを強制表示(例:不動産購入前に Real Estate を試す)、または不要なモジュールを非表示。自動 = オンボーディング回答に従う。',
      'dashboard.customize.reset': 'すべて自動にリセット',
      'dashboard.customize.confirm_reset': '全ダッシュボードモジュールオーバーライドを自動にリセットしますか?',
      'dashboard.customize.done': '完了',
      'dashboard.track.openModule': 'クリックでこのトラックのモジュールを開く',
      'dashboard.title.personal_en': '{{name}}のダッシュボード',
      'dashboard.title.personal_jp': '{{name}}のダッシュボード',
      'dashboard.tracks.label': '対象トラック',

      // アクション・センター
      'action.title':                'アクション・センター',
      'action.subtitle':             '各モジュールの状態から自動生成される To-Do リスト。FBAR 期限、古い残高、Roth コンバージョン猶予、四半期納税期限、RMD、口座解約日などをまとめ、各項目から対応モジュールへ移動できます。',
      'action.empty.title':          '対応すべき項目はありません',
      'action.empty.body':           '現在、アクション項目はありません。FBAR 期限・古い残高・税戦略の猶予期間・その他の実行可能な状況を自動検出してここに表示します。',
      'action.clearDismissed.button': '却下した項目を復元',
      'action.clearDismissed.confirm': '却下した全アクション項目を再表示しますか?',
      'action.row.openModule':       '{{module}} を開く',
      'action.row.clickHint':        'クリックで {{module}} を開く',
      'action.row.snooze':           '✕ 1 年間表示しない',
      'action.widget.title':         'アクション・センター · {{count}} 件',
      'action.widget.viewAll':       'すべて見る',
      'action.widget.open':          'アクションセンターを開く',
      'action.widget.more':          '残り {{count}} 件:「すべて見る」をクリック',
      'action.widget.empty.title':   '対応すべき項目はありません',
      'action.widget.empty.body':    'アクション項目はありません。データ状況を監視して必要な対応をここに表示します。',

      // ドキュメント保管庫
      'docvault.title':              'ドキュメント保管庫',
      'docvault.subtitle':           '重要書類(パスポート・遺言書・権利証・確定申告書・保険・在留資格など)の目録。有効期限と保管場所を記録し、緊急時にご家族が原本を見つけられるようにします。',
      'docvault.privacy':            '目録のみ — 原本のスキャンはここに保存されません。原本はご自身のクラウド・金庫・耐火ボックス等に保管し、保管場所を下記に記録してください。',
      'docvault.stat.total':         '登録書類',
      'docvault.stat.expiring':      '期限切れ間近',
      'docvault.filter.all':         '全カテゴリ',
      'docvault.add':                '書類を追加',
      'docvault.empty':              'この表示には書類がありません。「+ 書類を追加」から開始してください。',
      'docvault.no_expiry':          '期限なし',

      'docvault.modal.add':          '書類を追加',
      'docvault.modal.edit':         '書類を編集',
      'docvault.upload.title':       'アップロードでメタデータを自動入力',
      'docvault.upload.help':        '書類の写真または PDF をアップロードします(ボタンをクリックするか、ファイルをこのカードにドラッグ&ドロップ)。Claude が書類種別・有効期限・発行元・参照番号を抽出します。ファイル本体は保存されず、下記の抽出項目のみが記録されます。',
      'docvault.upload.drop':        '書類をドロップして抽出',
      'docvault.upload.no_key':      '設定で Claude API キーを登録するとアップロード抽出が利用可能。手動入力でも書類追加できます。',
      'docvault.upload.button':      '書類をアップロード',
      'docvault.upload.processing':  '{{filename}} を読み取り中…',
      'docvault.upload.done':        '{{filename}} から自動入力(費用 ≈ ${{cost}})。保存前に全項目を確認してください。',
      'docvault.upload.partial':     '一部項目が読み取れませんでした。手動で補完してください。',
      'docvault.upload.error':       '抽出失敗: {{message}}',

      'docvault.field.category':     'カテゴリ',
      'docvault.field.type':         '書類種別',
      'docvault.field.title':        '表示タイトル',
      'docvault.field.title.placeholder': '例:「ベンの米国パスポート」',
      'docvault.field.person':       '対象者',
      'docvault.field.person.placeholder': '書類記載の氏名',
      'docvault.field.issue_date':   '発行日',
      'docvault.field.expiry_date':  '有効期限',
      'docvault.field.issuing_authority': '発行元',
      'docvault.field.issuing_authority.placeholder': '例:米国国務省、東京都公安委員会',
      'docvault.field.reference':    '参照番号(下 4 桁のみ)',
      'docvault.field.reference.help': '識別用のみ。完全なパスポート番号・SSN・免許番号は絶対に保存しないでください。',
      'docvault.field.storage':      '保管場所',
      'docvault.field.storage.placeholder': '例:「みずほ銀行渋谷支店 貸金庫」「iCloud Drive / Documents」「自宅金庫上段」',
      'docvault.field.storage.help': '原本の所在地。Survivor Binder にも表示され、緊急時にご家族が見つけられます。',
      'docvault.field.notes':        '備考',

      'docvault.save':               '保存',
      'docvault.cancel':             'キャンセル',
      'docvault.delete':             '削除',
      'docvault.delete.confirm':     'この書類を保管庫から削除しますか?(原本は影響を受けません。目録エントリのみが削除されます)',

      // 退役軍人モジュール
      'veteran.title':              '退役軍人',
      'veteran.subtitle':           '米軍兵役記録 + VA(退役軍人省)給付管理。GI Bill 期限・VGLI 切替期限・DD-214 紛失など、時間制約のある退役軍人特有の対応を監視します。',
      'veteran.badge':              '退役軍人',
      'veteran.edit':               '編集',
      'veteran.save':               '保存',
      'veteran.cancel':             'キャンセル',
      'veteran.yes':                'はい',
      'veteran.no':                 'いいえ',
      'veteran.amount_usd':         '金額 (USD)',

      'veteran.section.service':    '兵役記録',
      'veteran.section.disability': 'VA 障害認定',
      'veteran.section.healthcare': '医療保険',
      'veteran.section.education':  '教育給付(GI Bill)',
      'veteran.section.survivor':   '遺族給付',
      'veteran.section.jp_resources': '日本特有のリソース',
      'veteran.section.benefits':   '主要給付ガイド(あなた向け)',
      'veteran.benefits.intro':     'ステータス別の主要給付ガイド: {{status}}。🇯🇵 マーク付きは日本特有の留意点あり。下線付き用語クリックで用語集が開きます。',
      'veteran.benefits.no_status': 'オンボーディングで退役軍人ステータスを設定すると、該当する給付が表示されます。',

      // 長期居住者モジュール
      'resident.title':                '長期居住者',
      'resident.subtitle':             '非 SOFA の米国人居住者向け日本側トラッキング。確定申告準備・永住権・10 年全世界資産時計・ふるさと納税・住宅ローン控除・国民健康保険のタイミングを一元管理します。',
      // Sharing & Backup module
      'share.title':                   '共有・バックアップ',
      'share.subtitle':                'データを実際に必要とする人々向けの共有ビュー生成:配偶者(読み取り専用 HTML)・遺族(拡張版遺言補足書)・CPA / アドバイザー(税務専用 JSON)。完全状態のバックアップ・復元も。アクティブに共有しない限りデバイス外には出ません。',
      'share.badge':                   '共有',
      'share.last_generated':          '最終生成',

      'share.section.spouse':          '配偶者引継ぎ',
      'share.section.survivor':        '遺族モード',
      'share.section.advisor':         'アドバイザー共有',
      'share.section.backup':          '完全バックアップ・復元',
      'share.section.history':         '共有履歴',
      'share.section.preferences':     '設定',

      'share.spouse.intro':            '配偶者・パートナー向けの自己完結型読み取り専用 HTML を生成。外部依存なし、任意のブラウザで開く、Taigan Bridge 不要、印刷もきれい。データ変更時に定期再共有。',
      'share.spouse.generate':         '配偶者用 HTML を生成',
      'share.survivor.intro':          '遺族向け「これを読んでいる方へ」HTML ガイドを生成します。即時アクションリスト(最初の 7 日、その後 30 日)・口座一覧・書類所在・連絡先・葬儀希望を含みます。遺言そのものではなく、印刷して遺言と一緒に保管する情報指針としてお使いください。',
      'share.survivor.generate':       '遺族用 HTML を生成',
      'share.advisor.intro':           'CPA・アドバイザー用の税務関連 JSON サブセットを生成。プライベートメモ・AI 会話・医療詳細など税務レビュー不要なものは除外。スコープ調整可。',
      'share.advisor.generate':        'アドバイザー用 JSON を生成',
      'share.advisor.scope_label':     'アドバイザー JSON に含める項目:',
      'share.advisor.include_balances': '口座残高を含める(推奨)',
      'share.advisor.include_documents_list': '書類インベントリを含める(タイトルのみ)',
      'share.advisor.anonymize_family': '家族メンバー名を匿名化([REDACTED] 使用)',
      'share.backup.intro':            'バックアップまたは別デバイス移行用の完全状態エクスポート / 復元。バックアップは入力した全データの完全コピー。復元は全現在データを上書きします。',
      'share.backup.export':           'バックアップをダウンロード(JSON)',
      'share.backup.import':           'バックアップから復元',
      'share.backup.import_confirm':   '⚠ 復元は全現在の Taigan Bridge データをファイル内容で「置換」します。早期バックアップから復元する以外取り消せません。続行?',
      'share.backup.import_success':   '復元完了。ページ再読み込み中…',
      'share.backup.import_error':     '復元失敗',

      'share.history.empty':           'まだ共有を生成していません。',
      'share.history.more':            '… その他 {{count}} 件',

      'share.preferences.intro':       '各共有種別のデフォルト設定。生成時に個別調整も可能。',
      'share.prefs.spouse_balances':   '配偶者 HTML に口座残高を含める',
      'share.prefs.spouse_balances.help': '推奨:オン。一部のユーザーは数字なしで構造のみ共有を好む。',
      'share.prefs.spouse_documents':  '配偶者 HTML に書類インベントリを含める',
      'share.prefs.spouse_documents.help': '書類タイトル + 保管場所のみ。書類本文は決して含まない。',
      'share.prefs.spouse_actions':    '配偶者 HTML に未対応アクション項目を含める',
      'share.prefs.spouse_actions.help': '生成時の上位 20 アクション項目。「私が動けなくなったらこれをやる」用に有用。',
      'share.prefs.autoBackup.label':  'アプリ起動時の自動バックアップ確認',
      'share.prefs.autoBackup.help':   '有効にすると、最後のバックアップから設定期間以上経過した場合に、起動時にダウンロード確認のダイアログを表示します。ブラウザはファイルを自動保存できないため、毎回ご自身で確認していただきます。',
      'share.prefs.autoBackup.off':    'オフ(手動のみ)',
      'share.prefs.autoBackup.30':     '30 日ごと',
      'share.prefs.autoBackup.90':     '90 日ごと',
      'share.prefs.autoBackup.180':    '180 日ごと',
      'share.autoBackup.confirm.never':   '自動バックアップが有効ですが、Taigan Bridge をまだ一度もバックアップしていません。今すぐバックアップをダウンロードしますか?',
      'share.autoBackup.confirm.overdue': '前回の Taigan Bridge バックアップから {{days}} 日経過しています。今すぐ最新のバックアップをダウンロードしますか?',

      // Consultations module
      'consult.title':                 'コンサルテーション',
      'consult.subtitle':              '依頼している CPA・税理士・弁護士・移民専門家・その他専門家の追跡。相談履歴 + follow-up リマインダー。データから専門家相談が必要と判断される場合「X について相談しましたか?」プロンプトを表示。',
      'consult.badge':                 'コンサル',
      'consult.cancel':                'キャンセル',
      'consult.save':                  '保存',
      'consult.delete':                '削除',

      'consult.section.reminders':     '専門家相談の推奨',
      'consult.section.professionals': '専門家一覧',
      'consult.section.log':           '相談履歴',
      'consult.section.resources':     '参考資料',

      'consult.reminders.none':        '対応すべき専門家相談の推奨なし',
      'consult.reminders.none_body':   '現在の状態に基づき、即時の専門家相談は不要。関連する状態変化(PFIC 検出・大規模相続税負担・市民権放棄検討等)が発生すると推奨が再表示されます。',

      'consult.reminder.pfic.title':   'PFIC を検出:国際税務に詳しい CPA への相談を推奨',
      'consult.reminder.pfic.body':    'Asset で PFIC 投資が検出されました。デフォルト課税は懲罰的(年 $1000+)。PFIC に詳しい CPA は QEF・MTM 選択または米国籍代替への切替を助言可能。',
      'consult.reminder.renunciation.title': '市民権放棄を検討中:専門家への相談を推奨',
      'consult.reminder.renunciation.body': '放棄は不可逆で、出国税と米国人相続人への §2801 移転税が発生。DS-4079 提出前に専門家相談を。',
      'consult.reminder.jp_estate.title': '相続税負担が高額:税理士への相談を推奨',
      'consult.reminder.jp_estate.body': '推定相続税が ¥3,000 万を超過。国境を越える相続経験のある税理士は、暦年贈与・教育資金一括贈与・小規模宅地等の特例 戦略で実質的に税負担を削減可能。',
      'consult.reminder.va.title':     'VA 障害認定あり:VA 認定請求代理人への相談を推奨',
      'consult.reminder.va.body':      'VA 認定請求代理人・弁護士は認定の正確性レビューと追加給付の特定が可能。非認定「VA コンサルタント」には決して支払わないこと。',
      'consult.reminder.no_cpa.title': 'CPA 未登録:日本居住の米国人には強く推奨',
      'consult.reminder.no_cpa.body':  '海外居住米国人は世界で最も複雑な個人税制度の一つに直面。海外駐在・国際税務(PFIC・FBAR・FATCA・FEIE/FTC)経験のある CPA は手数料の数倍を節約。',
      'consult.reminder.followup.title': '{{name}} との {{topic}} 相談 follow-up が期限超過',
      'consult.reminder.followup.body': '当初予定の follow-up から {{days}} 日経過しています。相談履歴を更新するか、新規の相談を予約してください。',
      'consult.reminder.recommended':  '推奨専門家種別',

      'consult.add_professional':      '専門家追加',
      'consult.log_consult':           '相談記録',
      'consult.consultations_count':   '件の相談記録',

      'consult.professionals.intro':   '依頼中の専門家一覧。誰・種別・連絡先・現在ステータスを追跡。各専門家の ＋ 相談記録 で打合せを記録。',
      'consult.professionals.empty':   '専門家未登録。「＋ 専門家追加」で追跡開始。',

      'consult.log.intro':             '相談毎の履歴:日付・トピック・要約・follow-up ステータス。日付順(新しい順)。follow-up 日経過で「古い」マーク。',
      'consult.log.empty':             'まだ相談未記録。「＋ 相談記録」または専門家行を展開。',
      'consult.log.more':              '… その他 {{count}} 件',

      'consult.modal.add_professional':   '専門家追加',
      'consult.modal.edit_professional':  '専門家編集',
      'consult.modal.log_consult':        '相談記録',
      'consult.modal.edit_consult':       '相談編集',
      'consult.modal.no_pros_first':      '相談記録の前に、まず専門家を追加する必要があります。',

      'consult.field.name':            '氏名',
      'consult.field.type':            '種別',
      'consult.field.firm':            '事務所・会社',
      'consult.field.contact':         '連絡先(メール・電話)',
      'consult.field.city':            '都市',
      'consult.field.jurisdiction':    '管轄(米国の州 / 日本の都道府県)',
      'consult.field.specialty':       '専門分野',
      'consult.field.specialty.help':  '自由記述。フィルタリングに有用:「PFIC・駐在税務」「相続計画」「東京不動産」等。',
      'consult.field.retainer_status': '依頼ステータス',
      'consult.field.notes':           'メモ',
      'consult.field.professional':    '専門家',
      'consult.field.date':            '日付',
      'consult.field.related_module':  '関連 Taigan Bridge モジュール',
      'consult.field.topic':           'トピック',
      'consult.field.summary':         '要約',
      'consult.field.summary.placeholder': '何を議論?主要推奨事項?数字・税率帯・戦略?',
      'consult.field.summary.help':    'ここで詳細に書くと将来の自分に感謝される。記憶が薄れた時に再構築するためのログ。',
      'consult.field.follow_up_needed': 'Follow-up 必要',
      'consult.field.follow_up_date':  'Follow-up 期日',
      'consult.field.follow_up_date.help': 'この日付を過ぎても新しい相談記録がない場合、アクションセンターにリマインダーが表示されます。',

      'consult.confirm.delete_professional': 'この専門家を削除?関連する相談記録は履歴に残ります。',
      'consult.confirm.delete_consult':      'この相談記録を削除しますか?',

      'consult.followup_overdue':      'Follow-up 期日({{date}})を超過しています',
      'consult.followup_scheduled':    'Follow-up は {{date}} に予定',

      'consult.resources.intro':       '国境を越える状況に対応した適格専門家を見つける場所。',
      'consult.resources.aicpa.title': 'AICPA(CPA 検索)',
      'consult.resources.aicpa.body':  '米国 CPA ディレクトリ。国際税務・PFIC 経験でフィルタリング。',
      'consult.resources.tokyo_lawyers.title': '東京弁護士会',
      'consult.resources.tokyo_lawyers.body':  '東京弁護士会の英語版弁護士検索。海外駐在者向け専門でフィルタリング。',
      'consult.resources.va_accredited.title': 'VA(認定請求代理人)',
      'consult.resources.va_accredited.body':  '認定請求代理人・弁護士の VA 公式データベース。VA 関連には認定代理人のみ使用を。',
      'consult.resources.aila.title':  'AILA(移民弁護士検索)',
      'consult.resources.aila.body':   '米国移民弁護士協会。国境を越える専門知識を持つ米国移民弁護士を検索。',

      // Real Estate / Property module
      'property.title':                '不動産',
      'property.subtitle':             '日本 + 米国の不動産保有と国境を越える税務:固定資産税・不動産取得税試算・米国 §121 売却控除適用・減価償却の戻し入れ・基礎の FX 損益(§988)・FEIE/FTC を介した日本での賃貸申告・古民家相続シナリオ・小規模宅地等の特例 への Estate 連携。',
      'property.badge':                '不動産',
      'property.add':                  '追加',
      'property.cancel':               'キャンセル',
      'property.save':                 '保存',
      'property.delete':               '削除',
      'property.untitled':             '(無題)',
      'property.confirm.delete':       'この不動産記録を削除しますか?',

      'property.section.roster':       '不動産保有一覧',
      'property.section.jp_taxes':     '日本の不動産税概要',
      'property.section.us_rental':    '米国賃貸収入の申告',
      'property.section.us_sale':      '米国売却計画(§121 + 譲渡所得)',
      'property.section.mortgage_credit': '住宅ローン控除への参照',
      'property.section.inherited_jp': '古民家・相続不動産',
      'property.section.situs_link':   '国境を越える所在地の影響',
      'property.section.cash_flow':    '月次キャッシュフロー要約',
      'property.section.mortgage':     'ローン詳細',
      'property.section.costs':        '年次費用(税・保険・維持)',
      'property.section.rental':       '賃貸ステータス',
      'property.section.sale_planning': '売却計画',
      'property.section.resources':    '参考資料',

      'property.empty':                '不動産記録なし。「追加」で日本・米国保有の追跡開始。',
      'property.empty.from_onboarding': 'オンボーディングで不動産所有を選択済みです。「追加」から詳細を記録してください。',
      'property.empty.expected':       'オンボーディングで日本不動産の相続予定を選択済みです。現在の保有と将来の相続予定をここに記録してください。',

      'property.modal.add':            '不動産を追加',
      'property.import.btn':           '固定資産税通知書から読み取り',
      'property.import.help':          '固定資産税通知書(PDF または写真)をドロップ。Claude が住所・評価額・年税額を抽出します。',
      'property.import.processing':    'Claude vision で固定資産税通知書を読み取り中…',
      'property.import.done':          '✨ {{n}} 項目を補完しました · ${{cost}}',
      'property.import.nothing':       '新しく補完できる項目がありませんでした。手入力してください',
      'property.modal.edit':           '不動産を編集',
      'property.country.other':        'その他・国際',
      'property.field.country':        '国',
      'property.field.currency':       '通貨',
      'property.field.label':          'ラベル',
      'property.field.type':           '不動産種別',
      'property.field.purchase_date':  '購入日',
      'property.field.purchase_price': '購入価格',
      'property.field.address':        '住所',
      'property.field.square_meters':  '面積(㎡)',
      'property.field.square_meters.help': '小規模宅地等の特例の判定に使用します。居住用宅地は 330 ㎡ まで 80% 評価減の対象です。',
      'property.field.structure_type': '構造種別(日本)',
      'property.field.structure_type.help': '日本の減価償却期間と不動産取得税の計算根拠。',
      'property.field.current_value':  '現在価値(推定)',
      'property.field.current_value.help': '日本は公示地価または路線価ベース推定が理想。米国は最近の取引価格・Zillow。',
      'property.field.mortgage_balance': 'ローン残高',
      'property.field.mortgage_rate_pct': '金利 %',
      'property.field.mortgage_years_left': '残年数',
      'property.field.annual_property_tax_jp': '固定資産税(年間)',
      'property.field.annual_property_tax_jp.help': '固定資産税納税通知書から。空欄で推定値使用。',
      'property.field.annual_city_tax_jp': '都市計画税(年間)',
      'property.field.annual_city_tax_jp.help': '固定資産税と同じ通知書に記載されることが多い。',
      'property.field.annual_property_tax_us': '年間不動産税',
      'property.field.annual_property_tax_us.help': '地方不動産税(州・郡によって大きく異なります)。',
      'property.field.annual_insurance': '年間保険料',
      'property.field.monthly_maintenance': '月次維持費・HOA',
      'property.field.rental_status':  '賃貸ステータス',
      'property.field.monthly_rent':   '月次受取賃料',
      'property.field.annual_rental_expenses': '年間賃貸費用',
      'property.field.annual_rental_expenses.help': '管理費・修繕費・保険などを記録します(ローン金利とは別に入力)。',
      'property.field.depreciation_started_year': '減価償却開始年',
      'property.field.depreciation_started_year.help': '賃貸供用開始年です。居住用 27.5 年・商業 39 年の回収期間の起算点になります。',
      'property.field.depreciation_basis': '減価償却基礎額',
      'property.field.depreciation_basis.help': '建物部分のみ(土地除く)。通常購入価格の 75-85%。',
      'property.field.lived_2_of_5':   '過去 5 年中 2 年以上、主たる居住用として使用しましたか?',
      'property.field.lived_2_of_5.help': '§121 キャピタルゲイン控除($25 万単身/$50 万 MFJ)の適用判定。',
      'property.field.lived.auto':     '自動(2 年以上保有なら yes と仮定)',
      'property.field.lived.yes':      'はい',
      'property.field.lived.no':       'いいえ',
      'property.field.planned_sale_year': '売却予定年(任意)',
      'property.field.shotaku_eligible': '小規模宅地等の特例 適用(相続時の居住用宅地 80% 評価減)',
      'property.field.shotaku_eligible.help': '相続人が死亡後も日本の居住用不動産に居住継続。330㎡ まで相続税評価 80% 減。',
      'property.field.notes':          'メモ',

      'property.rental.not_rental':    '賃貸でない',
      'property.rental.rented':        '賃貸中',
      'property.rental.vacant':        '空室',
      'property.rental.pending':       'リース予定',

      'property.jp_taxes.intro':       '全ての日本不動産の年間税負担。納税通知書 から実数を入力していない場合、評価額 65% × (1.4% 固定資産税 + 0.3% 都市計画税)で推定。',
      'property.jp_taxes.estimated':   '推定(現在価値 × 標準税率)',
      'property.jp_taxes.user_entered': '納税通知書 から',
      'property.jp_taxes.total_annual': '年間合計',
      'property.jp_taxes.point.kotei': '固定資産税:固定資産税評価額(市場価値の 60-70% が目安)に対し 1.4% 標準税率。4 月・7 月・12 月・2 月の四半期請求。',
      'property.jp_taxes.point.toshi': '都市計画税:市街化促進区域(主要市)で最大 0.3% 追加。固定資産税 と一緒に請求。',
      'property.jp_taxes.point.shutoku': '不動産取得税(購入後 3-6 ヶ月の一回限り):2027 年まで居住用土地・建物 3%(非居住 4%)。居住用土地特例で実効 1.5% も可能。',
      'property.jp_taxes.point.assessment_lag': '固定資産税評価額 は 3 年毎に再評価 — 現在の請求は 1-3 年前の評価額に基づく。',
      'property.jp_taxes.point.dual_residence': '米国人:米国側で項目別控除(Schedule A)を選び居住用なら、日本不動産税は SALT($10K)上限内で控除可能。',

      'property.us_rental.intro':      '日本居住で米国賃貸不動産を保有する場合、FEIE/FTC の落とし穴に注意:賃貸所得は 受動的 で 勤労 ではないため FEIE 対象外。Schedule E + Form 1116 が正しい仕組み。',
      'property.us_rental.feie_warning_label': 'FEIE は賃貸所得を対象外',
      'property.us_rental.feie_warning_body':  '賃貸所得は §469 で「受動的」 — Form 2555(FEIE)は勤労所得のみ控除。米国賃貸所得は Schedule E で全額米国課税対象。Form 1116(FTC)で同所得への日本税を相殺(日本も日本居住者の米国賃貸を全世界所得として課税)。',
      'property.us_rental.gross':      '総額',
      'property.us_rental.net':        '純額(費用控除後)',
      'property.us_rental.total_net':  '純賃貸所得合計',
      'property.us_rental.point.schedule_e': 'Schedule E で報告。物件毎に 1 列。営業費用 + 減価償却 + ローン金利を控除。純額が 1040 へ。',
      'property.us_rental.point.depreciation': '建物部分(土地は不可)を 27.5 年(居住用)または 39 年(商業)で減価償却。定額法。',
      'property.us_rental.point.passive_loss': '§469 受動損失ルール:賃貸損失は他の受動所得とのみ相殺。AGI ≤ $100K(段階的廃止 $150K まで)なら最大 $25K を通常所得から控除可能。',
      'property.us_rental.point.jp_treatment': '日本は日本居住者の全世界所得を課税 — 永住者(6 年目以降)は米国賃貸所得を確定申告で報告。永住者前は送金時のみ。',
      'property.us_rental.point.ftc_basket': 'Form 1116 では米国賃貸所得は「受動カテゴリー」 — 勤労所得 FTC とは別の Form 1116 を提出。',
      'property.us_rental.point.recapture_on_sale': '売却時の減価償却戻し入れ:§1250 未戻し入れゲイン(取った減価償却)は連邦 25% 課税。早年で減価償却を省略しないこと — IRS は「許可済みまたは許可可能」として扱う。',

      'property.us_sale.intro':        '米国不動産売却は連邦キャピタルゲイン+州税(米国側)と日本キャピタルゲイン(日本居住なら)の両方が発生。§121 主たる居住用控除は最大の単独節税策 — 維持には 5 年中 2 年居住テスト必須。',
      'property.us_sale.eligible':     '現在 §121 適格',
      'property.us_sale.not_eligible': '§121 不適格',
      'property.us_sale.na':           '該当なし(賃貸・非居住)',
      'property.us_sale.exclusion_amount': '利用可能控除額',
      'property.us_sale.point.121_basics': '§121 は主たる居住用売却ゲインを最大 $25 万(単身)/$50 万(MFJ)控除。要件:2 年保有 AND 過去 5 年中 2 年主たる居住として使用。2 年に 1 回利用可。',
      'property.us_sale.point.depreciation_recapture': '§121 がゲインを完全相殺しても、賃貸期間の減価償却(または「許可可能」)は 戻し入れ — 25% 税率(§1250)で課税。',
      'property.us_sale.point.fx_988': 'USD 建て不動産の USD ローン:§988 通常 FX 損益が完済時に発生(米国不動産では稀)。米国不動産に円建てローンを保持していた場合は重大(稀)。',
      'property.us_sale.point.jp_capital_gains': '日本居住者の場合:米国不動産売却は譲渡所得を発生。5 年超保有 = 長期(合計約 20.315%)。5 年以下 = 短期(合計約 39.63%)。FTC で米国側を相殺。',
      'property.us_sale.point.ftc_offset': 'Form 1116 FTC:米国キャピタルゲイン税を「受動」バスケットで日本ゲイン税に相殺。結果:両方ではなく高い方の税率を支払う。',
      'property.us_sale.point.partial_exclusion': '完全な 5 年中 2 年テストを満たさない場合の §121 部分控除:「適格理由」(転職・健康・予期せぬ事情)に対し利用可能。適格使用月数で按分。',

      'property.mortgage_credit.intro': '日本の住宅ローン控除は適格主たる居住用について 13 年間、年末ローン残高に対し 0.7% 控除を提供。詳細は Long-Term Resident モジュールで管理。',
      'property.mortgage_credit.open_resident': 'Long-Term Resident → 住宅ローン控除を開く',

      'property.inherited_jp.intro':   '相続日本不動産は国境を越える独特の課題:古民家・実家・田舎の土地は感情的・家族承継的な重要性を持つが、国境を越える税務 + 維持 + 空き家問題は深刻になり得る。',
      'property.inherited_jp.point.shotaku': '小規模宅地等の特例:居住継続する相続人の居住用宅地は相続税評価が 80% 減(330㎡ まで)。巨大 — このモジュールで該当フラグを立てて Estate が正しく計算するように。',
      'property.inherited_jp.point.rosenka': '日本相続税評価は路線価(国税庁公表の㎡単価)を使用 — 通常公示地価の 80%。固定資産税評価額(固定資産税 用)とは別。',
      'property.inherited_jp.point.akiya_problem': '空き家問題:未管理の相続田舎不動産は市場価値ほぼゼロでも税負担と賠償責任は満額。解体 + 自治体への土地寄付の方が保有より安いことも。',
      'property.inherited_jp.point.us_estate_situs': '米国人:日本所在地不動産は米国相続税の対象外(外国資産)。ただし日本相続税の対象は居住有無問わず。Estate 所在地分析参照。',
      'property.inherited_jp.point.deed_transfer': '相続登記が 2024 年 4 月から義務化 — 認知から 3 年以内に登録、未登記は ¥10 万罰金。司法書士に依頼を。',

      'property.situs_link.intro':     '各不動産の所在地が適用される相続税制度を決定。日本所在地は常に日本課税。米国所在地は米国課税で、永住者(6 年目以降)に達すると日本課税も追加。',
      'property.situs_link.jp_situs':  '日本所在地不動産',
      'property.situs_link.us_situs':  '米国所在地不動産',
      'property.situs_link.open_estate': 'Estate → 資産所在地分析を開く',

      'property.cash_flow.intro':      '全不動産の月次キャッシュフロー合計:賃貸収入からローン・税・保険・維持費を控除。ネット負 = 不動産がキャッシュを消費中、ネット正 = 生活費に充当。',
      'property.cash_flow.income':     '月次収入',
      'property.cash_flow.outgo':      '月次支出',
      'property.cash_flow.net':        '月次純額',
      'property.cash_flow.note':       '全値を現在の FX で USD に正規化。ローン支払額は残高+金利+残年数からの標準償却式で算出。',

      'property.resources.rosenka.title': '路線価 検索(国税庁)',
      'property.resources.rosenka.body':  '日本相続税で使用する国税庁公表の㎡単価。固定資産税評価額と比較。',
      'property.resources.nta_property.title': '国税庁:不動産税概要(英語)',
      'property.resources.nta_property.body':  '海外居住者向けの日本不動産関連税の公式概要。',
      'property.resources.irs_pub527.title': 'IRS Publication 527(居住用賃貸不動産)',
      'property.resources.irs_pub527.body':  '米国賃貸不動産所有者向けの包括的な Schedule E + 減価償却ガイド。',
      'property.resources.irs_pub523.title': 'IRS Publication 523(自宅売却)',
      'property.resources.irs_pub523.body':  '詳細な §121 控除ルール・部分控除の適格理由・基礎調整。',

      // iCal calendar export
      'action.export.button':          'カレンダーにエクスポート(.ics)',
      'action.export.help':            '日付付きの全項目(アクション期限・書類有効期限・家族のパスポート更新・国籍選択日・10 年時計・PR 適格・SS / Medicare / RMD マイルストーンなど)を含む .ics ファイルを生成します。Google Calendar・Apple Calendar・Outlook にインポート可能です。',
      'action.export.success':         '{{count}} 件のイベントをダウンロード。.ics ファイルを開いてカレンダーアプリにインポート。',

      // FX & Banking module
      'fx.title':                      '為替・国境を越える銀行業務',
      'fx.subtitle':                   '日本居住の米国人が日常的に直面する USD↔JPY の意思決定:どのプラットフォームを使うか・いつ転換するか・複数通貨をどう保有するか・手数料控除後に実際にいくら届くか。',
      'fx.badge':                      '為替',
      'fx.cancel':                     'キャンセル',
      'fx.save':                       '保存',

      'fx.section.snapshot':           '現在の為替スナップショット',
      'fx.section.fbar_awareness':     'FBAR 閾値の認識',
      'fx.section.calculator':         '送金コスト計算機',
      'fx.section.comparison':         'プラットフォーム比較',
      'fx.section.decision_tree':      '用途別口座選択ガイド',
      'fx.section.holding':            '複数通貨保有戦略',
      'fx.section.alerts':             'レートアラート',
      'fx.section.resources':          '参考資料',

      'fx.snapshot.refresh':           'レート更新',
      'fx.snapshot.refreshing':        '取得中…',
      'fx.snapshot.usd_to_jpy_label':  'USD → JPY(中値参考)',
      'fx.snapshot.source':            'ソース',
      'fx.snapshot.as_of':             '基準日',
      'fx.snapshot.fetched':           '取得',
      'fx.snapshot.today':             '本日',
      'fx.snapshot.yesterday':         '昨日',
      'fx.snapshot.ago':               '前',
      'fx.snapshot.never_fetched':     'ライブ取得なし(キャッシュまたはフォールバックレート使用中)',
      'fx.snapshot.reverse':           'クイックリファレンス',
      'fx.snapshot.justNow':           'たった今',
      'fx.snapshot.minAgo':            '{{n}} 分前',
      'fx.snapshot.hoursAgo':          '{{n}} 時間前',
      'fx.snapshot.treasury.label':    '米財務省(公式)',
      'fx.snapshot.treasury.usedFor':  'FBAR 換算・Asset / 純資産の計算・アプリ内のすべての USD/JPY 計算に使用されます。',
      'fx.snapshot.live.label':        'ライブ(参考)',
      'fx.snapshot.live.usedFor':      '中値レート(Google・Yahoo と同様)。本日の送金額の目安確認用で、保存される計算には使われません。',
      'fx.snapshot.live.refresh':      'ライブレートを更新',
      'fx.snapshot.live.fetching':     'ライブレート取得中…',
      'fx.snapshot.live.failed':       'ライブレートの取得に失敗',
      'fx.snapshot.bothRates.note':    '2 つのレートを並べて表示しているのは、それぞれ役割が異なるためです。米財務省レートは四半期ごと(3/31、6/30、9/30、12/31)に公表される公式レートで、FBAR 申告に必須であり、本アプリの Asset・純資産・あらゆる USD/JPY 計算で使用されます。次の四半期末まで同じレートが使われるため、同じ残高が常に同じ USD 額に換算されます。一方ライブレートは日次更新の ECB 中値(Google や Yahoo が表示するレート)で、「今日送金したらいくらになる?」という用途のための参考表示です。保存にも他の計算にも使われません。',
      'banner.liveFx.tooltip':         'ライブ USD/JPY 中値参考({{source}}、基準 {{asOf}})。参考表示のみで、FBAR・Asset 計算は米財務省の四半期レートを使用します。',

      'fx.fbar.open_fbar':             'FBAR トラッカーを開く',
      'fx.fbar.intro':                 '外国口座総額と $10,000 FBAR 閾値のライブトラッカー。FBAR 記録があれば当年のピークを取得、なければ現在の Asset 残高にフォールバック。年間の任意の時点で(短時間でも、単一送金でも)$10,000 を超えると FinCEN 114 提出義務が発生。',
      'fx.fbar.current_aggregate':     '現在の外国口座総額',
      'fx.fbar.from_fbar':             'FBAR 年間ピークデータより',
      'fx.fbar.from_assets':           '現在の Asset 残高より(当年の FBAR データなし)',
      'fx.fbar.threshold':             'FBAR 閾値',
      'fx.fbar.status.required':       '当年は FBAR 提出が必要',
      'fx.fbar.status.required_hint':  '$10K 閾値を {{excess}} 超過。FinCEN 114 は 4/15 期限(自動延長で 10/15)。',
      'fx.fbar.status.approaching':    '閾値接近中',
      'fx.fbar.status.monitor':        '監視中(閾値が視界内)',
      'fx.fbar.status.safe':           '閾値を十分下回る',
      'fx.fbar.status.headroom':       '残り余裕 {{headroom}}',
      'fx.fbar.point.10k_aggregate':   '$10,000 は外国口座の「合計」 — $5K 普通預金 + $5.5K 当座預金で既に超過。一人あたり、口座あたりではない。',
      'fx.fbar.point.peak_not_year_end': '報告額は年末残高ではなく年間「ピーク」。一瞬の高水位でも該当。',
      'fx.fbar.point.all_account_types': '普通預金・当座預金・定期預金・証券・退職口座(大半)・キャッシュバリュー型生命保険を含む。不動産は対象外、外国投資信託(PFIC)は通常対象。',
      'fx.fbar.point.fincen_not_irs':  'FBAR(FinCEN 114)は BSA E-Filing System で FinCEN に提出 — 1040 と別。確定申告と一緒に郵送しないこと。',
      'fx.fbar.point.deadline':        '期限:4 月 15 日(自動延長で 10 月 15 日、延長申請書類不要)。',
      'fx.fbar.point.penalty':         '不申告罰則:非故意は 1 報告あたり最大 $16,536、故意は $165,353 または口座残高の 50% のいずれか高い方。非故意は口座ごとではなく報告ごとに科されます(Bittner 判決、2023 年)。金額は毎年インフレ調整。時効 6 年。',
      'fx.fbar.point.transfer_trigger': '単一の大口 USD → JPY 送金で当年の FBAR 義務が発動 — 資金が即座に消費されて年末残高がゼロに戻っても該当。タイミングを計画。',

      'fx.calculator.intro':           'USD または JPY の金額を入力すると、各プラットフォームでスプレッド+手数料控除後に実際に受け取れる金額を表示します。受取額の多い順にソート。',
      'fx.calculator.refresh_rate':    'レート更新',
      'fx.calculator.using_rate':      '計算に使用中:',
      'fx.calculator.using_live':      'ライブ中値レートで計算中',
      'fx.calculator.using_treasury_fallback': 'ライブレート取得不可 — 米財務省レートで計算中',
      'fx.calculator.rateExplain':     '計算機の数値は「今日送金したらいくらになるか」を見るためにライブの中値レートを使います。下の FBAR 閾値チェックは規制計算なので米財務省レート({{treasury}} / $1)を使用します。',
      'fx.calculator.dir.usd_to_jpy':  'USD → JPY',
      'fx.calculator.dir.jpy_to_usd':  'JPY → USD',
      'fx.calculator.fbar_crossing.label':  'この送金で $10K FBAR 閾値を超えます',
      'fx.calculator.fbar_crossing.body':   '送金前の外国口座総額:{{before}}。送金後:{{after}}。年間の任意の時点で $10K 閾値を超えると FinCEN 114 を 4/15 までに提出する必要があります。計画的にお願いします。',
      'fx.calculator.fbar_already.label':   '$10K FBAR 閾値を既に超過済みです',
      'fx.calculator.fbar_already.body':    '現在の外国口座総額 {{before}} → 送金後 {{after}}。当年の FBAR は本送金に関わらず既に必須です。',
      'fx.calculator.fbar_approaching.label': 'FBAR 領域に接近しています',
      'fx.calculator.fbar_approaching.body':  '送金後の外国口座総額は {{after}}({{headroom}} で $10K FBAR 閾値に到達)。同様の送金がもう一回で超過するため、注意深く追跡してください。',
      'fx.calculator.fbar_dropping_below.label': 'この出金で $10K FBAR 閾値の下に戻ります',
      'fx.calculator.fbar_dropping_below.body':  '出金前:{{before}}、出金後:{{after}}。なお、年中に一度でも閾値を超えていた場合、その年の FBAR 申告は依然として必要です。',
      'fx.calculator.fbar_pulling_out.label':   '外国口座から引き出し中',
      'fx.calculator.fbar_pulling_out.body':    '外国口座総額 {{before}} → 出金後 {{after}}。$10K を超えたままのため、当年の FBAR は引き続き必要です。',
      'fx.calculator.fbar.rateBasis':           'FBAR 閾値の計算には米財務省レート({{rate}} / $1)を使用しています。',
      'fx.calculator.amount':          '送金額',
      'fx.calculator.at_rate':         '@',
      'fx.calculator.col.platform':   'プラットフォーム',
      'fx.calculator.col.delivered':  '受取額',
      'fx.calculator.col.eff_rate':   '実効レート',
      'fx.calculator.col.vs_best':    '最良比',
      'fx.calculator.best':           '最良',
      'fx.calculator.note':           '手数料数値は 2026 年中旬の公表レートに基づく概算です。実際のレートは四半期ごとに変動するため、高額送金前には各プラットフォームでご確認ください。Wise はアプリ内で料金がリアルタイムに更新されます。',

      'fx.comparison.intro':          '横並び一覧です。行をクリックすると長短と検証ステータスが展開されます。各プラットフォームには内蔵デフォルト手数料または最新の検証済み更新値が表示され、料金ページへの直接リンクも併記されます。',
      'fx.comparison.pros':           '長所',
      'fx.comparison.cons':           '短所',
      'fx.comparison.bulk_verify':    '一括確認',
      'fx.comparison.verified_today':     '本日確認済み',
      'fx.comparison.verified_yesterday': '昨日確認済み',
      'fx.comparison.verified_ago':       '{{days}} 日前確認',
      'fx.comparison.verified_stale':     '確認から {{days}} 日(古い可能性あり)',
      'fx.comparison.using_typical':      '内蔵典型値を使用(ローカル確認なし)',
      'fx.comparison.visit_pricing':      '料金ページを開く',
      'fx.comparison.update_fees':        '手数料を更新',
      'fx.comparison.reset_to_default':   '内蔵デフォルトにリセット',
      'fx.comparison.confirm_reset':      'このプラットフォームを内蔵デフォルト手数料にリセットしますか?記録された値は失われます。',

      'fx.update.modal_title':        '手数料を更新',
      'fx.update.intro':              'プラットフォームの料金ページ(下のリンク)を確認し、現在公表されている手数料を入力してください。保存すると検証タイムスタンプが記録され、最後にデータを更新した日時を後から確認できます。入力する 3 つの値:スプレッド(中値からの追加 bp)・手数料 %(取引手数料)・固定手数料(送金ごとの定額、USD)。',
      'fx.update.open_pricing':       '料金ページを開く',
      'fx.update.spread_bps':         'スプレッド(中値超過の bp)',
      'fx.update.spread_bps.help':    '0 = 中値ぴったり。25 = 0.25% スプレッド。100 = 1% スプレッド。Wise + Revolut は通常 0;銀行は通常 25-100。',
      'fx.update.fee_pct':            '取引手数料(送金額の %)',
      'fx.update.fee_pct.help':       'Wise モデル。Wise 典型値:0.4-0.7%。他の大半:0。',
      'fx.update.fixed_fee_usd':      '送金毎の固定手数料($)',
      'fx.update.fixed_fee_usd.help': 'ワイヤー送金手数料・口座手数料等。Schwab 出金ワイヤー:$25。PayPal/Xoom:少額固定。他の大半:0。',
      'fx.update.source_url':         'ソース URL(値を取得した場所)',
      'fx.update.source_url.help':    'プラットフォームの料金ページがプリセット;より具体的な URL に上書き可、または空欄も可。',
      'fx.update.notes':              'メモ',
      'fx.update.notes.help':         '他の有用情報:階層別レート・週末割増・月次無料送金上限など。',
      'fx.update.save_verified':      '保存(現時点で検証済みとしてスタンプ)',

      'fx.bulk.modal_title':          '全プラットフォーム一括確認',
      'fx.bulk.intro':                '各プラットフォームの料金ページにワンクリックでアクセス。✎ で個別手数料を更新、または下の一括スタンプで全現行値が正確と確認済みであることを宣言。',
      'fx.bulk.open':                 '開く',
      'fx.bulk.tip':                  'コツ:多くのプラットフォームは単一の料金表を公開。各々を新タブで開き、USD→JPY 行までスクロール、個別値更新または全一致時に一括スタンプ。',
      'fx.bulk.stamp_all':            '全現行値を確認',
      'fx.bulk.confirm_stamp':        '全プラットフォームを現在表示されている手数料で検証済みとスタンプしますか?公開レートを実際に確認し、内蔵デフォルトと一致する場合のみ使用してください。',
      'fx.bulk.done':                 '完了',

      'fx.decision_tree.intro':       '用途別の推奨プラットフォームです。最適解はケースによって異なるため、上の計算機でも併せて確認してください。',
      'fx.decision_tree.scenario.small_recurring':       '小額の定期送金(月 $1K 程度)',
      'fx.decision_tree.scenario.large_lump':            '大口一括送金($50K 以上)',
      'fx.decision_tree.scenario.jp_employer_payroll':   '日本の雇用主からの給与受取',
      'fx.decision_tree.scenario.ss_pension':            '米国 SS / 年金の受取',
      'fx.decision_tree.scenario.cash_out_in_jp':        '米国口座から日本での現金引き出し',
      'fx.decision_tree.scenario.pay_jp_rent':           '日本の家賃・公共料金支払',
      'fx.decision_tree.scenario.gift_to_jp_family':     '日本居住の家族への贈与',
      'fx.decision_tree.scenario.reserve_emergency':     'USD 緊急資金保有',
      'fx.decision_tree.rec.small_recurring':            'Wise:マルチカレンシー Wise 口座で毎月自動送金',
      'fx.decision_tree.rec.large_lump':                 'Schwab International ワイヤー:$50K 以上の一括送金に最適',
      'fx.decision_tree.rec.jp_employer_payroll':        '日本のメガバンクが必要(雇用主は通常 MUFG / みずほ / SMBC のみ振込)',
      'fx.decision_tree.rec.ss_pension':                 'Schwab US で受取 + Wise で日本へ送金(または Wise USD 口座への直接振込)',
      'fx.decision_tree.rec.cash_out_in_jp':             'Schwab デビットカード(世界中の ATM 手数料還元、中値 FX)',
      'fx.decision_tree.rec.pay_jp_rent':                '日本の銀行口座(メガバンクまたは Sony)で自動引落し設定',
      'fx.decision_tree.rec.gift_to_jp_family':          '受取人の日本銀行へ Wise(低コスト)または Sony Bank 振込(両者が Sony 利用なら)',
      'fx.decision_tree.rec.reserve_emergency':          'Schwab 証券 / Sony Bank USD 口座で USD 保有;必要に応じて転換',

      'fx.holding.intro':             '即座に転換するか USD/JPY のまま保有するかは資金の用途次第。いくつかの目安:',
      'fx.holding.point.match_currency': '通貨は最終的な支出に合わせる。日本での家賃・介護保険・ふるさと納税・確定申告 納税は JPY。SS・年金・米国学費・米国不動産は USD。',
      'fx.holding.point.dollar_cost_average': '継続送金(月次 SS・年金・賃料収入)は DCA がマーケットタイミングに勝つ。自動送金を設定し日々のレートは無視。',
      'fx.holding.point.tax_lots':    '1 年超保有の JPY は米国税法上「外貨建て保有」扱い — 転換時に §988 通常所得が発生し得る。大量サイクル時は基準額を追跡。',
      'fx.holding.point.emergency_buffer': '生活必需 JPY 6 ヶ月分は JPY で保有(即座にアクセス)、米国緊急用 6 ヶ月分は USD で保有。支出通貨で保有 = 緊急時の FX リスクなし。',
      'fx.holding.point.no_market_timing': '「¥150 まで待つ」のような市場タイミングは避ける。長期 USD/JPY チャートを見れば数年待つことになる。待つコスト(失われた利息+転換有用性)は通常 FX 利得を超える。',
      'fx.holding.point.large_one_time': '大口一括転換(住宅購入・一括贈与)は数週間〜数ヶ月レートを観察 — 4-8 週に分散した複数小額送金で単日 FX リスクを大幅軽減。',
      'fx.holding.point.fbar_trigger': '🚨 年間の任意の時点で外国口座総額 $10K 以上保有で FBAR(FinCEN 114)発動 — 上の FBAR 閾値認識カード参照。一時的に超過する単一送金でも該当。普段閾値以下で運用している場合は計画的に。',

      'fx.alerts.add':                'アラート追加',
      'fx.alerts.intro':              '閾値を設定すると、現在のレートが閾値を超えた際にアクションセンターに通知が表示されます。',
      'fx.alerts.empty':              'アラート未設定。便利なパターン:円安時に保有 USD を転換するため「USD/JPY > 160」、ドル安時に JPY 購入を確定するため「USD/JPY < 140」。',
      'fx.alerts.usd_jpy':            'USD/JPY',
      'fx.alerts.confirm_delete':     'このアラートを削除しますか?',
      'fx.alerts.modal_title':        'レートアラート追加',
      'fx.alerts.modal_intro':        '現在のレート:',
      'fx.alerts.direction':          '方向',
      'fx.alerts.gt':                 '上(より高い)',
      'fx.alerts.lt':                 '下(より低い)',
      'fx.alerts.threshold':          '閾値(¥/$1)',
      'fx.alerts.threshold.help':     '実時 USD/JPY レートがこの値を超えるとアラートが発火。',
      'fx.alerts.label':              'ラベル(任意)',
      'fx.alerts.label.placeholder':  '例:「保有 USD ¥500 万分を転換」',

      'fx.resources.wise.title':      'Wise(手数料比較ページ)',
      'fx.resources.wise.body':       'Wise 公表の銀行比較;透明で頻繁に更新。',
      'fx.resources.treasury.title':  '米国財務省為替レポート',
      'fx.resources.treasury.body':   '米国政府公式 FX レート(Taigan Bridge では FBAR / 8938 報告の中値参考として使用)。',
      'fx.resources.sony.title':      'ソニー銀行',
      'fx.resources.sony.body':       'USD 口座を持つ日本のオンライン銀行。両通貨保有を望む日本居住者の定番。',
      'fx.resources.schwab.title':    'Schwab International',
      'fx.resources.schwab.body':     '米国 Schwab 証券の利用者向け:ワイヤー送金 + 世界中の ATM デビットカードが利用可能です。',

      // Retirement Decumulation module
      'decum.title':                   '退職後の取崩し',
      'decum.subtitle':                'プランニングのループを完結。Projections は資産形成を扱い、本モジュールは日本居住者向けの取崩し順序・米国 SS 受給戦略・国民年金 / 厚生年金 受給資格・2024 年の WEP/GPO 廃止・RMD 計画を扱います。',
      'decum.badge':                   '退職',
      'decum.edit':                    '編集',
      'decum.save':                    '保存',
      'decum.cancel':                  'キャンセル',

      'decum.section.overview':        '取崩し概要',
      'decum.section.ss_claiming':     '米国 SS 受給戦略',
      'decum.section.wep_gpo':         'WEP / GPO 廃止',
      'decum.section.jp_pension':      '国民年金 / 厚生年金',
      'decum.section.vesting_paths':   'JP 年金受給資格の獲得戦略',
      'decum.section.withdrawal_sequence': '取崩し順序',
      'decum.section.rmd':             'RMD 計画',
      'decum.section.healthcare_bridge': 'Medicare までの医療カバレッジ',
      'decum.section.resources':       '参考資料',

      'decum.overview.years_to_retire': '退職までの年数',
      'decum.overview.retired':        '退職済み',
      'decum.overview.ss_claim_age':   'SS 受給開始年齢',
      'decum.overview.ss_max':         '最大給付',
      'decum.overview.ss_fra':         '完全退職年齢',
      'decum.overview.ss_early':       '早期 — 減額',
      'decum.overview.jp_pension_years': 'JP 年金加入年数',
      'decum.overview.jp_eligible':    '受給資格あり',
      'decum.overview.jp_to_eligible': '受給資格まで',
      'decum.overview.years_to_rmd':   'RMD までの年数',
      'decum.overview.rmd_age_73':     'RMD は 73 歳から',

      'decum.ss.intro':                '62 歳超で SS 受給を遅らせるごとに月額が増加。トレードオフは受給年数の減少。損益分岐点は通常 80-82 歳 — それを超えて生きるなら遅延勝利。',
      'decum.ss.col.age':              '年齢',
      'decum.ss.col.monthly':          '$/月',
      'decum.ss.col.lifetime':         '90 歳までの累計',
      'decum.ss.lifetime_assumes':     '累計額は 90 歳まで生きると仮定、現在ドル建て。COLA・日本側税は無視。完全な絵は Projections で。',
      'decum.ss.set_estimate_in_projections': 'Projections で「70 歳時 SS 月額」を設定すると受給年齢比較を計算可能。各年齢の金額を導出するため FRA 相当額が必要。',
      'decum.ss.tip.delay_for_longevity': '家族に長寿傾向 + 他の収入が十分なら、70 歳まで遅らせるのが最適なことが多い。32% 上乗せが晩年所得に複利で効く。',
      'decum.ss.tip.early_for_health': '健康上の懸念があるか緊急に収入が必要なら、早期受給は合理的。「70 歳まで待て」のアドバイスは 62 歳と 75 歳の収入の限界価値の差を無視している。',
      'decum.ss.tip.spousal_strategy': '夫婦の場合:通常一方は早期受給(キャッシュフロー)、もう一方は 70 歳まで遅延(遺族給付の基準)。高所得者の給付が遺族給付になる — 最大化で生涯にわたり遺族を保護。',
      'decum.ss.tip.totalization':     '日米社会保障協定:条約により日本での就労年数を米国 SS 受給に算入可能。米国の 40 単位(10 年)最低条件に満たない場合、協定で隙間を埋められる。SSA から加入証明取得を。',
      'decum.ss.tip.taxed_in_jp':      '日本居住者:SS 給付は米国(Saving Clause が条約 17 条を上書き)と日本の両方で課税。Form 1116 FTC で米国税を相殺。日本では雑所得として扱われ — 確定申告で申告。',
      'decum.ss.chosen_age':           '選択受給年齢',
      'decum.ss.spouse_strategy':      '配偶者調整戦略',
      'decum.ss.spouse_strategy.help': '両方資格のある夫婦向け。「遺族給付最大化」= 高所得者が 70 歳まで遅延し遺族給付を保護。',
      'decum.ss.spouse.individual':    '独立 — 各自で受給',
      'decum.ss.spouse.spousal_first': '低所得者が配偶者給付を先に受給',
      'decum.ss.spouse.survivor_max':  '高所得者が 70 歳まで遅延(遺族給付最大化)',
      'decum.ss.notes':                'メモ',
      'decum.modal.ss':                'SS 受給戦略を編集',
      'decum.ss.import.btn':           'SSA ステートメントから読み取り',
      'decum.ss.import.help':          'SSA の紙書類または my Social Security の PDF をドロップ。Claude が 62 歳 / FRA / 70 歳の月額見込と勤労クレジットを抽出します。',
      'decum.ss.import.processing':    'Claude vision で SSA ステートメントを読み取り中…',
      'decum.ss.import.done':          '✨ {{n}} 項目を取り込みました · ${{cost}}',
      'decum.ss.import.nothing':       'SSA ステートメントを読み取れませんでした。手入力してください',
      'decum.ss.import.notes.estimates':  'SSA ステートメントの見込額:',
      'decum.ss.import.notes.credits':    '勤労クレジット {{n}} 単位',
      'decum.ss.import.notes.asOf':       '{{year}} 年までの勤労記録',

      'decum.wep_gpo.banner_label':    'WEP と GPO は廃止(2025 年 1 月発効)',
      'decum.wep_gpo.banner_body':     '2025 年 1 月署名の社会保障公平法により、WEP(風窓除去条項)と GPO(政府年金相殺)が両方廃止。日本の厚生年金(または SS 非対象労働の他の外国年金)を受給する米国人にとって、長年自動的に米国 SS 給付を減額していた仕組みが撤廃。30-50% 減額を受けていた多くの日本居住者が、満額 SS の対象に — 2024 年 1 月までさかのぼった給付も発生。',
      'decum.wep_gpo.point.what_was_wep': 'WEP(風窓除去条項):「非対象」年金(米国 SS に拠出していない労働からの年金 — 厚生年金、外国政府年金、米国州・地方年金等)も受給する人の米国 SS を最大 50% 減額していた。',
      'decum.wep_gpo.point.what_was_gpo': 'GPO(政府年金相殺):非対象年金額の 2/3 を配偶者・遺族 SS 給付から減額。配偶者給付がゼロになることも多かった。',
      'decum.wep_gpo.point.fairness_act': '社会保障公平法(2025 年 1 月):両方を廃止。約 300 万米国退役者に影響;10 年間で約 2,000 億ドルのコスト推定。',
      'decum.wep_gpo.point.retroactive': '2024 年 1 月までの遡及給付を SSA が処理中。影響を受けていた場合、SSA から連絡 — および可能な一括還付払いを期待。',
      'decum.wep_gpo.point.contact_ssa': '以前 WEP/GPO が SS 給付に適用されていた場合、SSA.gov/myaccount で記録更新を確認。日本居住者は在日米国大使館 FBU(連邦給付課)に連絡可能。',

      'decum.jp_pension.eligible':     '✓ JP 年金受給資格あり',
      'decum.jp_pension.partial':      '○ {{years}}年/{{needed}}年最低 — 拠出継続を',
      'decum.jp_pension.no_contributions': '○ JP 年金拠出記録なし',
      'decum.jp_pension.kokumin':      '国民年金',
      'decum.jp_pension.kosei':        '厚生年金',
      'decum.jp_pension.years':        '年数',
      'decum.jp_pension.estimated_monthly': '月額給付見込み',
      'decum.jp_pension.has_certificate': '日本加入証明書あり(社会保障協定による米国 SE 税免除用)',
      'decum.jp_pension.coverage_cert': '日本加入証明書あり',
      'decum.jp_pension.coverage_cert.help': '自営業・契約者の場合:日本源泉所得への米国自営業税(SE 税)が免除。年金事務所で取得申請。',
      'decum.jp_pension.notes':        'メモ',
      'decum.jp_pension.point.10y_minimum': '最低 10 年の合計拠出が JP 年金給付の必須条件(2017 年に 25 年から短縮)。10 年未満 = 給付なし、還付なし(下記の社会保障協定例外あり)。',
      'decum.jp_pension.point.40y_full': '40 年拠出(通常 20-60 歳)= 国民年金 満額(現在ドル建てで月 ¥66K 程度)。',
      'decum.jp_pension.point.totalization': '日米社会保障協定:いずれかの国の最低条件に算入可能、ただし各年金は実際の拠出年数に基づき支給。両国での短期就労者に有用。',
      'decum.jp_pension.point.lump_sum_withdrawal': '脱退一時金:5 年以内の日本離脱で拠出金を還付請求可能(最大 5 年分)。これを選ぶと該当年数の将来年金権を放棄。',
      'decum.jp_pension.point.taxed_under_treaty': '米国居住者に支給される JP 年金は条約 17 条により日本のみ課税。Saving Clause はこの方向(JP→米国人)には適用されないため、米国 1040 で報告するが任意の JP 税に対し FTC を適用。',
      'decum.modal.jp_pension':        'JP 年金記録を編集',
      'decum.jp_pension.import.btn':   '年金定期便から読み取り',
      'decum.jp_pension.import.help':  '年金定期便(PDF または写真)をドロップ。Claude が加入期間と見込額を抽出します。',
      'decum.jp_pension.import.processing': 'Claude vision で年金定期便を読み取り中…',
      'decum.jp_pension.import.done':       '✨ {{n}} 項目を補完しました · ${{cost}}',
      'decum.jp_pension.import.nothing':    '新しく補完できる項目がありませんでした。手入力してください',
      'decum.jp_pension.import.notes.asOf': '{{date}} 時点',
      'decum.jp_pension.import.notes.contributions': '保険料納付額累計 ¥{{jpy}}',

      'decum.vesting.intro':           'JP 年金制度に「失った年数を買い戻す」一般的なオプションはありませんが、10 年要件を満たす 4 つの正当な方法があります。日本居住の米国人の多くは — 社会保障協定が自動的に受給資格を処理するため — どれも必要ない場合が多いですが、遅咲きの加入者や SOFA→就労ビザ移行を計画する場合に全体像の理解が重要。',
      'decum.vesting.banner.eligible':       '10 年受給資格をクリア済み',
      'decum.vesting.banner.eligible_body':  '記録上 {{years}} 年の拠出あり。今後の拠出は給付額に直接加算されます(線形:1 年 ≈ 終身年金 ¥21K/年 追加)。',
      'decum.vesting.banner.partial':        '10 年受給資格未達',
      'decum.vesting.banner.partial_body':   '記録上 {{years}} 年。{{needed}} 年必要。下記の戦略で差を埋めることができます。米国人の場合、社会保障協定が通常最も簡単。',
      'decum.vesting.banner.no_contributions': 'JP 年金拠出未開始',
      'decum.vesting.banner.no_contributions_body': '将来日本で JP 年金制度内で就労する場合、下記戦略で受給資格を満たす方法を解説。米国人の場合、日本での 1 年と米国 SS クレジットだけで社会保障協定経由で受給資格を獲得可能。',

      'decum.vesting.path.most_relevant':   '最重要',
      'decum.vesting.path.when_label':      '対象',
      'decum.vesting.path.how_label':       '方法',
      'decum.vesting.path.gotchas_label':   '注意点',

      'decum.vesting.path.tsuino.title':    '追納(正式に免除された期間の遡及納付)',
      'decum.vesting.path.tsuino.when':     '低所得期に正式な免除(所得免除や学生納付特例)申請が記録上あり、状況が改善した場合。',
      'decum.vesting.path.tsuino.how':      '管轄年金事務所に追納申出書を提出。10 年以内なら未納期間を遡及納付可能。受給資格と給付計算の両方を回復。',
      'decum.vesting.path.tsuino.gotchas':  '当時に正式な免除申請がある場合のみ可能。免除申請なしの場合、通常の 2 年時効を超えた未納期間は永久に失われます — 「数年忘れていた」を遡及納付する一般制度はありません。',

      'decum.vesting.path.nin_i.title':     '任意加入(60〜65 歳の任意加入)',
      'decum.vesting.path.nin_i.when':      '60 歳に近い(または超過)で、満額 40 年に近づけたい、または 10 年要件未達の場合。',
      'decum.vesting.path.nin_i.how':       '60 歳から 65 歳まで国民年金保険料(FY2026 で月 ¥17,920)を任意支払。10 年要件未達の場合は 70 歳まで延長(特例任意加入)も可能。',
      'decum.vesting.path.nin_i.gotchas':   '任意加入時点で日本居住である必要あり。保険料は社会保険料控除で日本所得税から全額控除可。試算:1 年拠出 ≈ 終身年金 ¥21K/年 追加;~10 年で保険料の損益分岐、その後は純利益。',

      'decum.vesting.path.totalization.title':   '日米社会保障協定(米国年数を日本の受給資格に算入)',
      'decum.vesting.path.totalization.when':    '米国 SS 拠出が相当あり、日本年数が 10 年未満の米国人。(典型的な Taigan Bridge ユーザーに最も関連する経路。)',
      'decum.vesting.path.totalization.how':     '日本拠出のみで 10 年達成不要。協定(2005 年 10 月発効)により、米国 SS クレジットが日本の 10 年要件に算入されます。米国 7 年 + 日本 3 年 = 受給資格。通常の米国就労歴 + 日本 1 年だけでも受給資格。年金事務所に米国収入明細書を持参して申請;SSA が加入証明を発行。',
      'decum.vesting.path.totalization.gotchas': '重要:社会保障協定は受給「資格」のみ。実際の JP 年金給付は厚生年金/国民年金 の実拠出月数のみで計算 — 算入された米国年数は JP 給付額を増やしません。逆方向も同様:JP 年数は米国 SS 最低要件に算入されるが米国給付額は増やさない。',

      'decum.vesting.path.kara.title':      'カラ期間・合算対象期間(永住権・帰化者の補完期間)',
      'decum.vesting.path.kara.when':       '65 歳前に日本国籍を取得(帰化)または永住権を取得し、海外居住歴(成人後)がある場合。',
      'decum.vesting.path.kara.how':        '1961 年 4 月 1 日から帰化・永住権取得日前日までの海外居住期間(20-59 歳の間)が、自動的にカラ期間として 10 年要件に算入されます。年金事務所に外国居住期間の証明と共に申請。',
      'decum.vesting.path.kara.gotchas':    '受給資格のみに算入 — 実際の給付額は増やしません(実拠出月数のみで支給)。永住権・帰化時に遡及的に発動。',

      'decum.vesting.economics.title':        '任意拠出は損か得か?FY2026 の数字',
      'decum.vesting.economics.intro':        '任意拠出(任意加入や追納)の損益はシンプル:保険料 vs 終身給付。下記は FY2026 の数値。',
      'decum.vesting.economics.premium':      '年間保険料',
      'decum.vesting.economics.month':        '月',
      'decum.vesting.economics.per_year_value': '1 年拠出による給付増加',
      'decum.vesting.economics.per_year_value_hint': '1 年拠出で終身年金にこの額が追加',
      'decum.vesting.economics.breakeven':    '損益分岐年数',
      'decum.vesting.economics.breakeven_hint': '保険料を回収する年金受給年数',
      'decum.vesting.economics.full_benefit': '満額 国民年金(40 年)',
      'decum.vesting.economics.at_40_years':  '最大年間給付',
      'decum.vesting.economics.strategic_label': '戦略的問い:',
      'decum.vesting.economics.strategic_body':  '年金受給開始から 10 年以上生きると見込める場合(高い確率;65 歳以降の日本平均余命は 18-22 年)、かつ円建ての終身指数化所得を米国 SS と退職資産に追加して多様化したい場合、任意拠出は意味があります。年金は JP COLA に連動 — 日本に留まる予定でドル安懸念がある場合に有用。',
      'decum.vesting.tax_label':              '税務扱い',
      'decum.vesting.tax_body':               '保険料は社会保険料控除で JP 所得から全額控除可(上限なし)。受給給付は JP 側で雑所得 として課税。米国人の場合、米国居住者に支給される JP 年金は条約 17 条で日本のみ課税(Saving Clause はこの方向に適用なし)。日本居住者は米国 1040 で報告するが FTC で相殺。',

      'decum.withdrawal.intro':        '課税口座 / 前税口座 / Roth からどの順で取崩すかは生涯税額に大きく影響。日本居住者と米国居住者で異なるルールが適用。',
      'decum.withdrawal.wrong_default_label': '標準的な米国「課税 → 前税 → Roth」順序は日本居住者には不適切なことが多い',
      'decum.withdrawal.wrong_default_body':  '理由:¥700 万超の所得では JP 限界税率が米国を上回り、かつ日本は Roth の非課税扱いを認めない — Roth 引出しは日本では通常所得として課税。標準米国順序は最も税重い(Roth)バケットを後回しにし、より高齢で JP 税率が高い時期に当たる可能性。逆順が合理的なことも。',
      'decum.withdrawal.strat.standard': '標準(米国居住)',
      'decum.withdrawal.strat.standard.when': '米国で退職し米国に留まる場合に最適。',
      'decum.withdrawal.strat.jp_resident': '日本居住者向け逆順',
      'decum.withdrawal.strat.jp_resident.when': '退職時に日本居住の場合に最適。JP 税率が低いうちに Roth + 課税後を先に取崩し;前税は JP 税率上昇または米国移住時のため温存。',
      'decum.withdrawal.strat.tax_diversified': '税分散',
      'decum.withdrawal.strat.tax_diversified.when': 'ヘッジ:各国の特定税率帯を埋めるサイズで毎年各バケットから取崩し。',
      'decum.withdrawal.tip.jp_treats_roth_taxable': '日本は Roth IRA / 401(k) の非課税引出しを認めない。日本では通常所得として特別扱いなく課税。「非課税」の利点は米国側のみ。',
      'decum.withdrawal.tip.pre_tax_double_dip': '前税(Traditional IRA / 401k)引出し:両国で通常所得として課税。FTC で相殺するが、両者の限界税率の高い方で実質拘束。',
      'decum.withdrawal.tip.bracket_management': '年次税率帯管理が中核戦術:各バケットから特定税率帯をちょうど埋める分だけ取崩し、上の税率帯に入らないように。年単位のモデリングが必要 — Projections 参照。',
      'decum.withdrawal.tip.specialist_required': 'これは国境を越える退職計画で最も難解で理解されにくい領域の一つ。日米退役者経験のある専門 CPA に順序確定前に相談を強く推奨。',
      'decum.withdrawal.jp_resident_q': '退職時に日本の納税居住者になる予定?',
      'decum.withdrawal.unsure':       '不明 — 両方をモデリング中',
      'decum.withdrawal.yes_jp':       'はい — 日本に留まる',
      'decum.withdrawal.no_us':        'いいえ — 米国に帰国',
      'decum.withdrawal.preferred':    '希望取崩し戦略',
      'decum.withdrawal.notes':        'メモ',
      'decum.modal.withdrawal':        '取崩し戦略を編集',

      'decum.rmd.active':              '⚠ RMD 対象中(年齢 {{age}})',
      'decum.rmd.approaching':         'RMD まで {{years}} 年 — 効率的な RMD 前戦略の最後の機会',
      'decum.rmd.future':              'RMD まで {{years}} 年',
      'decum.rmd.point.age_73':        '必要最低分配額(RMD)は 73 歳になる年から(以前は 72;2023 年に 73 に引上げ、SECURE 2.0 で 2033 年から 75 に)。',
      'decum.rmd.point.first_year_grace': '初年度 RMD は 73 歳になる翌年の 4 月 1 日まで遅延可能 — ただし、その年に 2 回 RMD(税率帯圧縮)。',
      'decum.rmd.point.50pct_penalty': 'RMD 不実施 = 不足分の 25% 罰則(SECURE 2.0 前は 50%;訂正期間内なら 10% にさらに減額)。',
      'decum.rmd.point.pre_rmd_conversion': 'RMD 前年(通常退職〜72 歳)は強制所得発生前の効率的 Roth 転換最後の窓。RMD 開始後は他の取崩し量にかかわらず税率帯が引き上げられる。',
      'decum.rmd.point.qcd_strategy':  'QCD(適格慈善分配):70½ 歳以上は IRA から慈善団体へ最大 $108K(2025)直接送金可能。RMD に算入され AGI を減らす — 項目別控除より優れる。',
      'decum.rmd.point.no_jp_equivalent': '日本に RMD 同等品はない。日本側では前税口座を強制分配なしで永久成長可能 — 米国 RMD のみが強制力。',
      'decum.rmd.point.jp_treats_rmd_as_income': '日本居住者:RMD は米国税に上乗せして JP 通常所得として課税。FTC が米国側を相殺;JP 限界税率が拘束することが多い。',
      'decum.rmd.your_strategy':       'あなたの RMD 戦略',
      'decum.rmd.convert_pre_rmd':     'RMD 前 Roth 転換を計画',
      'decum.rmd.convert_pre_rmd.help': '退職と RMD 年齢の隙間年を使い、低い限界税率で Traditional → Roth 転換。',
      'decum.rmd.qcd_planned':         'QCD(慈善 RMD)使用予定',
      'decum.rmd.qcd_planned.help':    '70½ 歳以上で利用可。IRA → 慈善団体への直接送金は RMD に算入され AGI を減らす。',
      'decum.rmd.notes':               'メモ',
      'decum.modal.rmd':               'RMD 計画を編集',

      'decum.healthcare_bridge.intro': '65 歳前に退職する場合、Medicare 受給資格までカバレッジの空白に直面。橋渡し方法は米国 vs 日本居住と代替オプションによる。',
      'decum.healthcare_bridge.point.gap_period': '空白期間:雇用主カバレッジ最終日から 65 歳の Medicare A/B 開始まで(または TFL 退役者の場合は TRICARE → Medicare)。',
      'decum.healthcare_bridge.point.cobra': 'COBRA:18 ヶ月(時に 36 ヶ月)の雇用主カバレッジ継続。高額(全額保険料 + 2%)だがシームレス。海外居住でも利用可能。',
      'decum.healthcare_bridge.point.aca_marketplace': 'ACA マーケットプレイス:米国居住時のみ利用可能。所得ベースの補助金;Premium Tax Credit(PTC)で大幅にコスト削減可能。',
      'decum.healthcare_bridge.point.private_intl': '民間海外保険(CIGNA Global・Aetna International・GeoBlue):65 歳前の日本居住退職者の主要選択肢。年齢・階層により $400-$1500+/月/人。',
      'decum.healthcare_bridge.point.jp_nhi': '日本 NHI:安価(所得ベース保険料)で日本での医療を十分カバー。日本居住者であることのみ要件 — 非 SOFA 駐在員は加入可能。',
      'decum.healthcare_bridge.point.medicare_then_tfl': '65 歳:Medicare A(40 単位以上の労働歴で無料)+ Part B($195+/月、海外でも支払)。TRICARE 対象退役者は TFL 解除 — TFL は海外医療をカバー。',
      'decum.healthcare_bridge.see_healthcare': 'Medicare + 民間海外 + LTC 設定は医療モジュールで',

      'decum.resources.ssa.title':     'SSA — my Social Security',
      'decum.resources.ssa.body':      '個人 SSA ポータル:収入記録確認、各受給年齢の給付額試算、給付申請。',
      'decum.resources.totalization.title': '日米社会保障協定',
      'decum.resources.totalization.body': '条約がいかに各国の最低単位要件のギャップを埋め、国境越え労働での二重 SS 税を防ぐか。',
      'decum.resources.fairness_act.title': '社会保障公平法',
      'decum.resources.fairness_act.body':  'WEP/GPO 廃止に関する SSA ページ。給付更新確認方法;遡及給付処理状況。',
      'decum.resources.nenkin.title':  '日本年金機構(年金事務所・国際業務)',
      'decum.resources.nenkin.body':   '年金記録照会、加入証明書請求、年金給付申請。',
      'decum.resources.irs_rmd.title': 'IRS:RMD 概要',
      'decum.resources.irs_rmd.body':  '計算表、期限ルール、罰則、QCD 詳細。',

      // Healthcare module
      // ====================================================================
      // ヘルストラッカー(v0.37)
      // ====================================================================
      'ht.title':                       'ヘルストラッカー',
      'ht.subtitle':                    '受診結果・経時的な検査値・服薬・ケアプラン・予防検診。検査 PDF をドロップ → AI が体組成・値・フラグを抽出し、履歴を一画面で確認。',
      'ht.export.csv':                  'CSV エクスポート',
      'ht.import.vision':               '受診を取り込む(AI)',
      'ht.advisor.btn':                 'AI アドバイザー',
      // 年次レビュー(v0.58)
      'ht.yir.btn':                     '年次レビュー',
      'ht.yir.title':                   'ヘルス年次レビュー',
      'ht.yir.headerTitle':             'ヘルス年次レビュー',
      'ht.yir.year':                    '年',
      'ht.yir.print':                   '印刷 / PDF 保存',
      'ht.yir.generated':               '作成日',
      'ht.yir.empty':                   '{{year}} 年の健康データはまだ記録されていません。',

      // タイル
      'ht.yir.tile.exams':              '受診',
      'ht.yir.tile.procedures':         '処置',
      'ht.yir.tile.dentalVisits':       '歯科受診',
      'ht.yir.tile.activeMeds':         '服薬中',
      'ht.yir.tile.episodes':           'エピソード',
      // セクション
      'ht.yir.section.spend':           '費用内訳',
      'ht.yir.section.exams':           '受診履歴',
      'ht.yir.section.providers':       '受診先',
      'ht.yir.section.medications':     '服薬の変更',
      'ht.yir.section.dental':          '歯科年次',
      'ht.yir.section.episodes':        'ケアエピソード',
      'ht.yir.section.screenings':      '予防検診状況',
      'ht.yir.section.actionItems':     'アクション項目の進捗',
      // 費用
      'ht.yir.spend.totalUsd':          '合計(USD 換算)',
      'ht.yir.spend.totalJpy':          '合計(JPY)',
      'ht.yir.spend.insurance':         '保険給付',
      'ht.yir.spend.oop':               '自己負担',
      'ht.yir.spend.unpaid':            '未払い請求',
      'ht.yir.spend.col.type':          '種別',
      'ht.yir.spend.col.count':         '件数',
      'ht.yir.spend.col.amount':        '金額',
      // 受診先
      'ht.yir.providers.visits':        '回',
      // 服薬
      'ht.yir.meds.started':            '開始 {{n}} 件',
      'ht.yir.meds.ended':              '終了 {{n}} 件',
      // 歯科
      'ht.yir.dental.visits':           '今年の歯科受診 {{n}} 回',
      'ht.yir.dental.perioTrend':       '歯周推移(初回 → 最新)',
      'ht.yir.dental.procedures':       '処置:{{n}} 件',
      // エピソード
      'ht.yir.episodes.completed':      '今年完了:{{n}} 件',
      'ht.yir.episodes.active':         '進行中:{{n}} 件',
      // 検診
      'ht.yir.screenings.summary':      '{{current}} 件 期限内 · {{overdue}} 件 期限超過 · {{upcoming}} 件 期限近接',
      'ht.yir.screenings.overdue':      'フォロー要',
      // アクション項目
      'ht.yir.actions.summary':         '{{total}} 件中 {{closed}} 件完了({{pct}}%)',
      'ht.advisor.empty':               'まず受診記録を 1 件以上追加してください。AI アドバイザーは受診履歴をコンテキストとして利用します。',
      'ht.cancel':                      'キャンセル',
      // 取消トースト(v0.44)
      'ht.undo':                        '元に戻す',
      'ht.undo.dismiss':                '閉じる',
      'ht.toast.medDeleted':            '「{{name}}」を削除 — 10 秒以内に取消可',
      'ht.toast.examDeleted':           '受診 {{label}} を削除 — 10 秒以内に取消可',
      'ht.toast.invoiceDeleted':        '請求書 {{label}} を削除 — 10 秒以内に取消可',
      'ht.toast.episodeDeleted':        'エピソード「{{title}}」を削除 — 10 秒以内に取消可',
      'ht.exams.delete.confirm.named':  '受診 {{label}} を削除しますか?検査値は推移グラフから除外されます。10 秒以内であれば取消可。',
      'ht.invoices.delete.confirm.named': '請求書 {{label}} を削除しますか?10 秒以内であれば取消可。',
      'ht.episodes.delete.confirm.named': 'エピソード「{{title}}」を削除しますか?紐付け済の受診・服薬・請求書は分離されるだけで保持されます。10 秒以内であれば取消可。',
      'ht.save':                        '保存',
      'ht.delete':                      '削除',

      'ht.empty.title':                 'ヘルストラッカーへようこそ',
      'ht.empty.body':                  '受診結果・経時的な検査値・服薬・予防検診を追跡。各受診に体組成・検査値・診断名を保存、検査結果タブが訪問を跨いで統合表示(A1C・LDL・ビタミン D 等の推移)。',
      'ht.empty.addExam':               '最初の受診を追加',
      'ht.empty.import':                'PDF から取り込み',

      'ht.dash.lastExam':               '直近受診',
      'ht.dash.lastPhysical':           '直近健康診断',
      'ht.dash.lastBloodPanel':         '直近血液検査',
      'ht.dash.via':                    '{{type}} 経由',
      'ht.dash.bloodLabs':              '件の血液検査値',
      'ht.dash.activeMeds':             '服薬中',
      'ht.dash.screeningsDue':          '受検待ち検診',
      'ht.dash.daysAgo':                '{{n}}日前',
      'ht.dash.never':                  '未実施',
      'ht.dash.none':                   'なし',
      'ht.dash.allCurrent':             'すべて期限内',
      'ht.dash.trends':                 '検査値推移(上位 6 件)',
      'ht.dash.trends.intro':           '受診履歴を跨いだ最新値。異常値が直近のものから優先表示、タップで「検査結果」タブへ移動。',
      'ht.dash.trends.more':            '+ さらに {{n}} 件を追跡中',
      'ht.dash.trends.viewAll':         '「検査結果」ですべて表示',
      'ht.dash.screeningsTitle':        '受検待ちの予防検診',
      'ht.dash.critical':               '{{d}}日超過',
      'ht.dash.dueNow':                 '受検時期',
      'ht.dash.lastDone':               '前回',
      'ht.dash.viewAllScreenings':      'ケアプランで全 {{n}} 件を表示',
      'ht.dash.aiSummary':              '直近受診の AI 要約',
      'ht.dash.aiSummary.from':         '{{date}} の受診を AI 画像取り込みした際に生成。',

      'ht.labs.title':                  '検査結果(全受診を横断)',
      'ht.labs.intro':                  'ファイル内の全検査項目。異常値優先・次にアルファベット順。スパークラインで各受診の値を確認可能。',
      'ht.labs.sparkline.title':        '受診ごとの値',
      'ht.labs.dup.title':              '重複候補の検査名 ({{n}})',
      'ht.labs.dup.intro':              '取り込んだ検査名が既存の検査と類似していますが自動統合されていません。同じ検査であれば「名前を統一」、別の検査なら「別の検査」を選択してください。',
      'ht.labs.dup.reason.fingerprint': '文字数字は同じ・記号のみ違う',
      'ht.labs.dup.reason.substring':   '一方が他方を含む',
      'ht.labs.dup.reason.typo':        'スペル近似(Levenshtein ≤ 2)',
      'ht.labs.dup.action.rename':      '名前を統一',
      'ht.labs.dup.action.different':   '別の検査',
      'ht.labs.dup.action.renamed':     '統一済',
      // 測定方法に関する注意書き
      'ht.labs.methodNote.title':       '測定方法が報告書ごとに異なる場合あり',
      'ht.labs.methodNote.body_fat_pct': '体脂肪率は、生体電気インピーダンス法(BIA — 健診の体組成計・タニタ)・DEXA(米国臨床のゴールドスタンダード)・皮下脂肪厚法のいずれかで測定されます。同じ人を同じ日に測っても 1〜3 ポイント程度ずれることがあるため、推移の小さな段差は実際の変化ではなく測定方法の違いによる可能性があります。',
      'ht.labs.methodNote.waist_circumference': '腹囲はメジャー測定(日本・米国の一般的な健診)と CT 撮影による L4–L5 レベルの測定で数 cm 異なります。基準値も国により異なり、日本のメタボリックシンドローム基準は男性 < 85 cm、米国 ATP-III は < 102 cm — 同じ測定で基準が違うだけです。',
      'ht.labs.methodNote.hba1c':       'HbA1c の表示基準には NGSP(国際・米国基準)と JDS(2012 年まで日本で使用)があり、NGSP は JDS より約 0.4% 高く出ます。最近の日本の検査結果は「(NGSP)」表示が一般的。古い検査結果と比較する場合は、古い方が低めに表示されている可能性があります。',
      'ht.labs.methodNote.ldl_cholesterol': 'LDL は Friedewald 式(総コレ − HDL − TG/5)で計算されることが多く、直接測定されない場合があります。中性脂肪が 400 mg/dL を超えると、または非空腹時には式が破綻します。直接測定法はより正確ですがコスト高。報告書間で 5〜15 mg/dL のずれが生じることがあります。',
      'ht.labs.methodNote.egfr':        'eGFR は推算式による値で直接測定ではありません。新しい報告書は CKD-EPI 2021 式(人種補正なし)、古い報告書は MDRD や人種補正係数を含むことがあります。同じクレアチニン値でも、使用された式により 5〜10 mL/min の差が出ます。',
      'ht.labs.methodNote.triglycerides': '中性脂肪は食事(空腹時間)に大きく影響されます。直近の食事(特に糖質・アルコール)で 30〜50% 以上上昇することも。意味のある推移評価には空腹時の値のみを比較してください。「空腹時」明示のない検査結果は解釈が曖昧になります。',
      'ht.labs.methodNote.psa':         'PSA は癌以外の要因でも 24〜72 時間一時的に上昇することがあります:直腸診・射精・激しい自転車運動・前立腺炎・最近の生検など。経時的な上昇傾向のほうが単発の値より重要です。',
      'ht.labs.methodNote.ferritin':    'フェリチンは急性期反応物でもあり、活動性の炎症(感染・自己免疫・術後・肥満)で鉄状態と関係なく上昇します。炎症時の「正常」フェリチンは鉄欠乏を除外できません — CRP と併せて評価してください。',
      'ht.labs.methodNote.hemoglobin':  'ヘモグロビンは水分状態に敏感 — 脱水で血液濃縮し、見かけ上 0.5〜1.5 g/dL 上昇します。激しい運動後や水分不足時の採血は、十分に水分摂取した状態より高く出ます。',
      'ht.labs.methodNote.hematocrit':  'ヘマトクリットはヘモグロビンと連動し、同じく水分状態に敏感です。脱水で偽高値、過剰水分で偽低値。同じ採血条件で比較するのが基本です。',
      'ht.labs.methodNote.uric_acid':   '尿酸は高プリン食(赤身肉・内臓・煮干し)・アルコール(特にビール)・脱水で一時的に上昇します。意味のある推移評価には、前日の絶食と禁酒を推奨します。',
      'ht.labs.methodNote.ck':          'CK は運動の影響を大きく受け、24〜72 時間以内の激しい運動でベースラインの 10〜100 倍に上昇することも。健康な活動的な人の単発の高 CK は、単に「最近よく運動した」というだけのことが多い指標。原因不明の持続的高値は精査が必要です。',
      // 検査情報ポップオーバーの見出し + 免責事項
      'ht.labs.info.what':              '測定する内容',
      'ht.labs.info.why':               '臨床的意義',
      'ht.labs.info.high':              '高値の意味',
      'ht.labs.info.low':               '低値の意味',
      'ht.labs.info.disclaimer':        '教育目的の参考情報です — 医学的助言ではありません。結果の解釈は必ず医師にご相談ください。',
      'ht.labs.empty':                  '検査結果がまだありません。受診を追加するか PDF を取り込んでください。',
      'ht.labs.col.test':               '検査項目',
      'ht.labs.col.latest':             '最新値',
      'ht.labs.col.range':              '基準範囲',
      'ht.labs.col.flag':               'フラグ',
      'ht.labs.col.readings':           '件数',
      'ht.labs.col.trend':              '推移',
      // 検査名の重複統合(v0.44)
      'ht.labs.aliasBadge':             '{{n}} 種',
      'ht.labs.aliasHover':             '以下の記録名を統合',
      'ht.labs.rangeVariesHover':       '基準範囲が報告書ごとに異なります — 最新を表示。確認された範囲',
      'ht.labs.legend.info':            'ⓘ にホバーで検査の説明と臨床的意義',
      'ht.labs.legend.alias':           '同じ検査の異表記を統合(⇄ にホバーで内訳)',
      'ht.labs.legend.rangeVaries':     '基準範囲が報告書ごとに異なる項目あり(* にホバーで内訳)',
      // 臨床パネル別グループ表示(v0.47)
      'ht.labs.group.count':            '{{n}} 項目',
      'ht.labs.group.abnormal':         '異常',
      'ht.labs.group.body_comp':        '体組成',
      'ht.labs.group.vitals':           'バイタル',
      'ht.labs.group.lipid':            '脂質パネル',
      'ht.labs.group.glycemic':         '血糖管理',
      'ht.labs.group.liver':            '肝機能',
      'ht.labs.group.kidney':           '腎機能',
      'ht.labs.group.cbc':              '血算 (CBC)',
      'ht.labs.group.electrolytes':     '電解質',
      'ht.labs.group.iron':             '鉄代謝',
      'ht.labs.group.thyroid':          '甲状腺',
      'ht.labs.group.cardiac':          '心臓',
      'ht.labs.group.inflammation':     '炎症',
      'ht.labs.group.tumor_markers':    '腫瘍マーカー',
      'ht.labs.group.vitamins':         'ビタミン',
      'ht.labs.group.coagulation':      '凝固',
      'ht.labs.group.autoimmune':       '自己免疫・リウマチ',
      'ht.labs.group.urinalysis':       '尿検査',
      'ht.labs.group.pancreas':         '膵臓',
      'ht.labs.group.ekg':              '心電図',
      'ht.labs.group.spirometry':       '肺機能(スパイロメトリー)',
      'ht.labs.group.infectious':       '感染症スクリーニング',
      'ht.labs.group.ophthalmology':    '眼圧',
      'ht.labs.group.other':            'その他の検査',
      'ht.labs.field.name':             '検査項目名',
      'ht.labs.field.value':            '値',
      'ht.labs.field.unit':             '単位',
      'ht.labs.addRow':                 '検査値を追加',

      'ht.exams.title':                 '受診詳細(全履歴)',
      'ht.exams.intro':                 '各受診に体組成・検査値・診断・フォローアップを保存します。任意の行をクリックして編集でき、推移は自動で計算されます。',
      'ht.exams.add':                   '受診を追加',
      'ht.exams.addTitle':              '受診を追加',
      'ht.exams.edit':                  '受診を編集',
      'ht.exams.empty':                 '受診記録がまだありません。',
      'ht.exams.delete.confirm':        'この受診を削除しますか?検査値が推移グラフから除外されます。',
      'ht.exams.field.type':            '受診タイプ',
      'ht.exams.field.date':            '日付',
      'ht.exams.field.provider':        '担当医',
      'ht.exams.field.facility':        '施設・クリニック',
      'ht.exams.vitals.title':          'バイタル',
      'ht.exams.labs.title':            '検査結果',
      'ht.exams.diagnoses':             '診断名(1 行に 1 項目)',
      'ht.exams.diagnoses.help':        'この受診で診断された事項。1 行に 1 件。AI アドバイザーの文脈として使用されます。',
      'ht.exams.followup':              'フォローアップ指示',
      'ht.exams.notes':                 'メモ',

      'ht.vitals.weight_kg':            '体重(kg)',
      'ht.vitals.height_cm':            '身長(cm)',
      'ht.vitals.bp_systolic':          '収縮期血圧',
      'ht.vitals.bp_diastolic':         '拡張期血圧',
      'ht.vitals.heart_rate':           '心拍数(bpm)',
      'ht.vitals.temp_c':               '体温(°C)',
      'ht.vitals.spo2':                 'SpO2(%)',

      'ht.care.add':                    '追加',
      'ht.care.empty':                  'まだありません。',
      'ht.care.delete.confirm':         'この項目を削除しますか?',
      'ht.care.auto':                   '自動',
      'ht.care.auto.fromExam':          '{{date}} の受診から',
      'ht.care.auto.fromEpisode':       '進行中のエピソード「{{title}}」から',
      'ht.care.auto.fromMed':           '{{name}} で治療中',
      'ht.care.auto.fromScreening':     '期限超過の検診',
      'ht.care.auto.scheduleScreening': '{{name}}を予約',
      'ht.care.screenings.title':       '予防検診(年齢別の推奨)',
      'ht.care.screenings.intro':       'USPSTF + 標準頻度のデフォルト;行ごとに間隔を上書きまたは「該当なし」設定可能。1 年超過で重要警告。',
      'ht.care.screenings.empty':       '現在の年齢では推奨検診なし。',
      'ht.care.screenings.col.test':    '検診',
      'ht.care.screenings.col.lastDone':'前回',
      'ht.care.screenings.col.interval':'間隔',
      'ht.care.screenings.col.status':  '状態',
      'ht.care.screenings.status.critical':'超過',
      'ht.care.screenings.status.due':     '時期',
      'ht.care.screenings.status.upcoming':'近日',
      'ht.care.screenings.status.current': '期間内',
      'ht.care.screenings.lastDone':    '前回実施',
      'ht.care.screenings.interval':    '間隔(年)',
      'ht.care.screenings.interval.help':'医師の指示により標準頻度を変更可能(例:ポリープ発見後の大腸内視鏡は 5 年ごと等)。',
      'ht.care.screenings.notes':       'メモ',
      'ht.care.screenings.disable':     '該当なし(一覧から非表示)',

      'ht.care.concerns.title':         '主な懸念事項',
      'ht.care.concerns.intro':         '次回受診時に医師と相談する継続的な状態や話題。',
      'ht.care.concerns.add':           '懸念事項を追加(自由記述):',
      'ht.care.goals.title':            '年間目標',
      'ht.care.goals.intro':            '今年の具体的・測定可能な健康目標。',
      'ht.care.goals.add':              '目標を追加(自由記述):',
      'ht.care.referrals.title':        '専門医紹介',
      'ht.care.referrals.intro':        '紹介の追跡:依頼 → 予約 → 完了。',
      'ht.care.referrals.prompt.specialty': '診療科?(例:皮膚科・循環器科):',
      'ht.care.referrals.prompt.doctor':    '医師名(任意):',
      'ht.care.appointments.title':     '今後の予約',
      'ht.care.appointments.intro':     '全プロバイダーで今後予定されている受診。',
      'ht.care.appointments.prompt.date':     '予約日(YYYY-MM-DD):',
      'ht.care.appointments.prompt.provider': 'プロバイダー / 医師:',
      'ht.care.appointments.prompt.purpose':  '目的 / 受診タイプ:',

      'ht.meds.title':                  '服薬',
      'ht.meds.intro':                  '現在 + 過去の薬。補充リマインダーは次回補充日の 14 日前に発火。',
      'ht.meds.empty':                  '服薬記録がまだありません。',
      'ht.meds.active':                 '服薬中',
      'ht.meds.past':                   '過去の服薬',
      'ht.meds.add':                    '服薬を追加',
      'ht.meds.addTitle':               '服薬を追加',
      'ht.meds.editTitle':              '服薬を編集',
      'ht.meds.delete.confirm':         'この服薬記録を削除しますか?',
      'ht.meds.delete.confirm.named':   '「{{name}}」を削除しますか?10 秒以内であれば元に戻せます。',
      // 服薬行のクイック操作
      'ht.meds.action.refill':          '補充済',
      'ht.meds.action.refill.help':     '本日を補充日として記録。次回補充日を前回の間隔(不明な場合 +30 日)で進めます。残り補充回数があれば減らします。',
      'ht.meds.action.complete':        '完了',
      'ht.meds.action.complete.help':   '服薬を完了として記録。「過去の服薬」へ移動します。必要であれば再開可。',
      'ht.meds.action.complete.confirm': '「{{name}}」を完了としますか?「過去の服薬」リストへ移動します。',
      'ht.meds.action.resume':          '再開',
      'ht.meds.action.resume.help':     '終了日をクリアし、「服薬中」へ戻します。',
      'ht.meds.field.name':             '商品名',
      'ht.meds.field.name.required':    '商品名は必須です。',
      'ht.meds.field.generic':          '一般名',
      'ht.meds.field.generic.help':     '海外渡航時に便利です。商品名が違っても一般名は共通のことがあります。',
      'ht.meds.field.dosage':           '用量',
      'ht.meds.field.frequency':        '服薬頻度',
      'ht.meds.field.frequency.help':   '自由記述:「1 日 2 回」「8 時間ごと」「痛み時頓服」等。',
      'ht.meds.field.route':            '投与経路',
      'ht.meds.field.purpose':          '目的・症状',
      'ht.meds.field.purpose.help':     'この薬の治療対象(後でリスト見直し時に役立つ)。',
      'ht.meds.field.started':          '開始日',
      'ht.meds.field.ended':            '終了日(服薬中の場合は空欄)',
      'ht.meds.field.ended.help':       '終了日を設定すると過去のリストへ移動。',
      'ht.meds.field.prescriber':       '処方医',
      'ht.meds.field.pharmacy':         '薬局',
      'ht.meds.field.refills':          '残り補充回数',
      'ht.meds.field.nextRefill':       '次回補充日',
      'ht.meds.field.sideEffects':      '観察された副作用',
      'ht.meds.field.notes':            'メモ',

      'ht.dental.title':                '歯科情報',
      'ht.dental.intro':                '歯科の記録を取り込み、処置・受診先・費用・推奨フォローアップを一元管理します。書類のアップロード、または手動でも入力できます。',
      'ht.dental.upload':               '歯科記録を取り込む',
      'ht.dental.addEntry':             '記録を追加',
      // 歯チャート
      'ht.dental.chart.title':          '歯と歯肉の状態',
      'ht.dental.chart.hint':           '歯をクリックすると状態を変更できます',
      'ht.dental.chart.subtitle':       '歯と歯肉の状態(咬合面・上から見た図)',
      'ht.dental.chart.legend':         'Universal(太字)・FDI(括弧内)/ ピンク:歯肉、黄色:4〜6 mm ポケット、赤:出血',
      'ht.dental.chart.upper':          '上顎',
      'ht.dental.chart.lower':          '下顎',
      'ht.dental.chart.patientRight':   '患者右',
      'ht.dental.chart.patientLeft':    '患者左',
      'ht.dental.chart.tongue':         '舌',
      'ht.dental.chart.teeth':          '歯',
      'ht.dental.chart.natural':        '健全歯',
      'ht.dental.chart.filling':        '充填',
      'ht.dental.chart.crown':          'クラウン',
      'ht.dental.chart.missing':        '欠損',
      'ht.dental.chart.cavities':        '虫歯',
      'ht.dental.chart.needTreatment':   '要治療',
      'ht.dental.chart.needObservation': '要観察',
      'ht.dental.perio.pockets':        'ポケット 4 mm 以上',
      'ht.dental.perio.bop':            'プロービング時の出血',
      'ht.dental.perio.mobile':         '動揺歯',
      'ht.dental.perio.target':         '目標:{{v}}% 以下',
      // ポケット深さ分布(v0.53)
      'ht.dental.perio.distribution.title': 'ポケット深さ分布',
      'ht.dental.perio.distribution.intro': 'プロービングされた全部位のポケット深さ分布',
      'ht.dental.perio.distribution.healthy': '1〜3 mm',
      'ht.dental.perio.distribution.mild':    '4〜6 mm',
      'ht.dental.perio.distribution.severe':  '7 mm 以上',
      // 単一歯モーダル
      'ht.dental.tooth.title':          '歯 #{{uni}}(FDI {{fdi}})',
      'ht.dental.tooth.status':         '状態',
      'ht.dental.tooth.pocket':         'ポケット ≥ 4 mm',
      'ht.dental.tooth.bleeding':       'プロービング時の出血',
      'ht.dental.tooth.mobile':         '動揺(歯が動く)',
      'ht.dental.tooth.pocketDepth':    '最大ポケット深さ(mm)',
      'ht.dental.tooth.pocketDepth.help':'この歯の最深測定値(mm)。',
      'ht.dental.tooth.notes':          'この歯のメモ',
      'ht.dental.tooth.section.perio':  '歯肉・歯周',
      'ht.dental.tooth.section.alerts': '臨床アラート',
      'ht.dental.tooth.cavity':         '虫歯あり(現症)',
      'ht.dental.tooth.needsTreatment': '要治療',
      'ht.dental.tooth.needsObservation': '要観察',
      'ht.dental.notes.clinicalInterpretation': '臨床的解釈',
      'ht.dental.notes.clinicalInterpretation.help': '臨床医による所見の解釈(意義・要因・文脈)。生の所見とは分けて記録します。',
      'ht.dental.notes.findings.help':  '受診時の事実所見(カウント・測定値・状態)を記録します。解釈は下のセクションに分けて入力してください。',
      // 受診先
      'ht.dental.providers.title':      '歯科受診先',
      'ht.dental.providers.empty':      'まだ歯科受診先が登録されていません。歯科医院・クリニックを追加すると、受診や処置と紐付けできます。',
      'ht.dental.providers.add':        '受診先を追加',
      'ht.dental.providers.addTitle':   '歯科受診先を追加',
      'ht.dental.providers.editTitle':  '歯科受診先を編集',
      'ht.dental.providers.delete.confirm': '「{{name}}」を削除しますか?10 秒以内であれば取り消せます。',
      'ht.dental.providers.nameEn':     '名称(英語)',
      'ht.dental.providers.nameJp':     '名称(日本語)',
      'ht.dental.providers.type':       '専門分野・種別',
      'ht.dental.providers.type.help':  '例:「一般歯科」「矯正歯科」「歯周病科」「歯内療法科」「小児歯科」など。',
      'ht.dental.providers.address':    '住所',
      'ht.dental.providers.phone':      '電話',
      'ht.dental.providers.email':      'メール',
      'ht.dental.providers.notes':      'メモ',
      'ht.dental.providers.website':    'ウェブサイト',
      'ht.dental.providers.hours':      '営業時間',
      'ht.dental.providers.aiEnriched': '✨ {{date}} に AI 補完済',
      'ht.dental.providers.enhance':         'AI で情報補完',
      'ht.dental.providers.enhance.help':    'Claude の公開情報から不足項目(ウェブサイト・営業時間・住所・電話)を補完します。送信されるのはクリニック名と種別のみで、患者情報は含まれません。',
      'ht.dental.providers.enhance.processing': 'クリニック情報を検索中…',
      'ht.dental.providers.enhance.done':     '✨ {{n}} 項目を補完 · ${{cost}}',
      'ht.dental.providers.chainEnrich.done': '✨ {{name}} の情報を {{n}} 項目補完しました · ${{cost}}',
      'ht.dental.providers.enhance.nothing':  'Claude はこのクリニックを認識できませんでした',
      'ht.dental.providers.enhance.lowConf':  '信頼度低({{confidence}})— 確認推奨',
      // 医療受診の受診先補完(v0.55)
      'ht.exams.field.provider.enhance':           '✨ 受診先情報を AI 補完',
      'ht.exams.field.provider.enhance.help':      'AI 検索:住所・電話・ウェブサイト・営業時間をメモに追記。',
      'ht.exams.field.provider.enhance.needName':  '受診先または施設名を先に入力してください。',
      'ht.exams.field.provider.enhance.processing':'受診先情報を検索中…',
      'ht.exams.field.provider.enhance.done':      '✨ {{n}} 項目を追加 · ${{cost}}',
      'ht.exams.field.provider.enhance.nothing':   'Claude はこの受診先を認識できませんでした',
      'ht.exams.field.provider.enhance.lowConf':   '信頼度低({{confidence}})— 確認推奨',
      // 治療履歴
      'ht.dental.tx.title':             '治療履歴',
      'ht.dental.tx.allTime':           '全期間',
      'ht.dental.tx.add':               '処置を追加',
      'ht.dental.tx.addTitle':          '歯科処置を追加',
      'ht.dental.tx.editTitle':         '歯科処置を編集',
      'ht.dental.tx.empty':             'この期間の処置記録はありません。',

      'ht.dental.tx.recommendations':   '推奨事項',
      'ht.dental.tx.code':              'コード',
      'ht.dental.tx.teeth':             '歯',
      'ht.dental.tx.invoiceTag':        '請求書あり',
      'ht.dental.tx.field.date':        '日付',
      'ht.dental.tx.field.code':        'コード',
      'ht.dental.tx.field.code.help':   '健保コード(P基検・SC・初診)または CDT/ADA コード(D1110 等)。',
      'ht.dental.tx.field.nameEn':      '処置名(英語)',
      'ht.dental.tx.field.nameJp':      '処置名(日本語)',
      'ht.dental.tx.field.cost':        '費用',
      'ht.dental.tx.field.currency':    '通貨',
      'ht.dental.tx.field.points':      '点数',
      'ht.dental.tx.field.points.help': '健保点数(1 点 ≈ ¥10)。',
      'ht.dental.tx.field.qty':         '数量',
      'ht.dental.tx.field.provider':    '受診先',
      'ht.dental.tx.field.provider.none':'受診先なし',
      'ht.dental.tx.field.teeth':       '歯番号',
      'ht.dental.tx.field.teeth.help':  'Universal 番号をカンマ区切り。歯特異的でない処置は空白でも可。',
      'ht.dental.tx.field.notes':       'メモ',
      'ht.dental.proc.delete.confirm':  '「{{label}}」を削除しますか?10 秒以内であれば取消可。',
      // 予約
      'ht.dental.appts.title':          '今後の予約',
      'ht.dental.appts.empty':          '予定されている予約はありません',
      'ht.dental.appts.add':            '予約を追加',
      'ht.dental.appts.addTitle':       '歯科の予約を追加',
      'ht.dental.appts.field.date':     '日付',
      'ht.dental.appts.field.time':     '時刻',
      'ht.dental.appts.field.time.help':'自由記述で OK(例:「10:00」「14:30」「未定」)。',
      'ht.dental.appts.field.provider': '受診先',
      'ht.dental.appts.field.purpose':  '目的',
      'ht.dental.appts.field.notes':    'メモ',
      'ht.dental.appts.delete.confirm': 'この予約を削除しますか?',
      // 費用
      'ht.dental.costs.title':          '費用・請求書管理',
      'ht.dental.costs.total':          '歯科費用合計',
      'ht.dental.costs.insurance':      '保険負担',
      'ht.dental.costs.oop':            '自己負担',
      'ht.dental.costs.invoiceHistory': '請求書履歴',
      'ht.dental.costs.uploadInvoice':  '請求書を取り込む',
      // メモ・フォローアップ
      'ht.dental.notes.title':          '歯科メモ・フォローアップ',
      'ht.dental.notes.empty':          '歯科メモはまだありません。手動で追加するか、書類を取り込むと自動で入力されます。',
      'ht.dental.notes.add':            'メモを追加',
      'ht.dental.notes.addTitle':       '歯科メモを追加',
      'ht.dental.notes.editTitle':      '歯科メモを編集',
      'ht.dental.notes.delete.confirm': '{{date}} の歯科メモを削除しますか?10 秒以内であれば取り消せます。',
      'ht.dental.notes.latest':         '最新',
      'ht.dental.notes.complete':       '完了',
      'ht.dental.notes.open':           '対応中',
      'ht.dental.notes.markComplete':   '完了にする',
      'ht.dental.notes.reopen':         '再開',
      'ht.dental.notes.findings':       '所見',
      'ht.dental.notes.recommendations':'推奨事項',
      'ht.dental.notes.recommendations.help': '1 行 1 項目。最新の推奨は治療履歴の上部に表示。',
      'ht.dental.notes.actionItems':    'アクション項目',
      'ht.dental.notes.actionItems.help':'1 行 1 項目。チェックボックスで進捗管理。',
      'ht.dental.notes.next':           '次回予約',
      'ht.dental.notes.next.help':      '自由記述で OK(例:「2026-05-22 17:00」「3 ヶ月後」)。',
      'ht.dental.notes.examSource':     '受診ソース',
      // メモの会計ブロック
      'ht.dental.notes.billing':        '会計',
      'ht.dental.notes.receiptNo':      '領収書番号',
      'ht.dental.notes.bill.paid':      '患者支払い',
      'ht.dental.notes.bill.insurance': '保険',
      'ht.dental.notes.bill.total':     '合計',
      'ht.dental.notes.bill.currency':  '通貨',
      'ht.dental.notes.bill.burden':    '負担割合',
      'ht.dental.notes.bill.burden.help':'日本の自己負担割合:「3割」「1割」「10割」(保険なし)。',
      'ht.dental.notes.bill.receiptNo': '領収書番号',
      'ht.dental.notes.bill.source':    '領収書ソース',
      'ht.dental.notes.field.date':     '日付',
      'ht.dental.notes.field.provider': '受診先',
      // 歯科取り込みフロー
      'ht.dental.import.title':         '歯科記録を取り込む',
      'ht.dental.import.intro':         '歯科受診票・歯周検査表・領収書をドラッグ&ドロップしてください。Claude が歯ごとの所見・健保コード付き処置・歯周状態・会計・推奨事項を読み取り、このタブに自動で反映します。',
      'ht.dental.import.dropTitle':     '歯科記録をドロップ、またはクリックで選択',
      'ht.dental.import.dropHelp':      'PNG / JPG / WEBP / GIF / PDF · 最大 10 MB · 日本の歯科・米国の歯科いずれにも対応',
      'ht.dental.import.processing':    '{{name}} を読み取り中(歯・処置・会計を抽出しています…)',
      'ht.dental.import.done':          '✓ 取り込み完了 · ${{cost}} · 歯 {{teeth}} 件を更新 · 処置 {{procs}} 件を追加',
      'ht.dental.import.notDental':     '歯科記録ではないようです。一般的な健康診断書類は「受診を取り込む」をお試しください。',
      // トースト
      'ht.toast.providerDeleted':       '受診先「{{name}}」を削除 — 10 秒以内に取消可',
      'ht.toast.procDeleted':           '処置「{{label}}」を削除 — 10 秒以内に取消可',
      'ht.toast.noteDeleted':           '歯科メモ({{date}})を削除 — 10 秒以内に取消可',
      'ht.dental.lastCleaning':         '前回クリーニング',
      'ht.dental.lastCleaning.help':    'クリーニング + 検査。標準頻度は 6 ヶ月。',
      'ht.dental.lastXrays':            '前回 X 線',
      'ht.dental.lastPerio':            '前回歯周',
      'ht.dental.lastPerio.help':       '歯周治療・必要に応じたディープクリーニング。',
      'ht.dental.dentist':              '歯科医',
      'ht.dental.clinic':               'クリニック',
      'ht.dental.cleaningDue':          'クリーニング期限超過:前回から {{d}} 日経過。次回を予約してください。',
      'ht.dental.procedures.title':     '処置記録',
      'ht.dental.procedures.intro':     '充填・クラウン・抜歯・根管治療等。保険事前承認や後の治療計画に有用。',
      'ht.dental.procedures.add':       '処置を追加',
      'ht.dental.procedures.empty':     '処置記録なし。',
      'ht.dental.procedures.delete.confirm': 'この処置記録を削除しますか?',
      'ht.dental.procedures.prompt.date':  '処置日(YYYY-MM-DD):',
      'ht.dental.procedures.prompt.type':  '処置タイプ(充填・クラウン・抜歯・根管等):',
      'ht.dental.procedures.prompt.tooth': '歯番号(任意):',
      'ht.dental.procedures.prompt.notes': 'メモ(任意):',

      'ht.notes.title':                 '保険サマリー + メモ',
      'ht.notes.intro':                 '緊急時用のクイックリファレンスと一般的な健康メモ。詳細なカバレッジ計画(Medicare タイミング・NHI vs SHI・終末期希望・保険料予算)は Healthcare モジュールにあります。',
      'ht.notes.crossLink.title':       'カバレッジ戦略をお探し?',
      'ht.notes.crossLink.body':        'プラン管理 — Medicare A/B/D・NHI vs SHI・介護保険・TRICARE/FMP・民間国際保険・終末期希望 — は Healthcare モジュールに集約。',
      'ht.notes.crossLink.open':        'Healthcare を開く',
      'ht.notes.primaryPlan':           '主保険プラン名',
      'ht.notes.primaryPlan.help':      '「BCBS PPO Federal」「TRICARE Select」「CIGNA International」「ソニー銀行 健保」等。',
      'ht.notes.memberIdLast4':         '会員番号(末尾 4 桁)',
      'ht.notes.memberIdLast4.help':    'プライバシー保護のため末尾 4 桁のみを保存します。完全な ID は本アプリには保存されません。',
      'ht.notes.bin':                   '薬局 BIN',
      'ht.notes.bin.help':              '処方薬カバレッジ用。保険証の裏面によく記載。',
      'ht.notes.pcpName':               'PCP 名',
      'ht.notes.pcpPhone':              'PCP 電話番号',
      'ht.notes.generalNotes':          '一般メモ',
      'ht.notes.generalNotes.help':     'その他の覚書(アレルギー・薬剤感受性・血液型・緊急連絡先・事前指示書の保管場所など)。',
      // 保険証 AI 取り込み(v0.49)
      'ht.notes.import.btn':            '保険証を取り込む(AI)',
      'ht.notes.import.title':          '保険証を取り込む',
      'ht.notes.import.intro':          '保険証の写真または PDF(裏面がある場合は両面)をドラッグ&ドロップしてください。Claude vision が主要項目を抽出し、こちらと Document Vault の両方に保存します。会員番号は下 4 桁のみ保存され、フル番号はアプリ内に残りません。',
      'ht.notes.import.dropTitle':      '保険証をドロップ、またはクリックで選択',
      'ht.notes.import.dropHelp':       'PNG / JPG / WEBP / GIF / PDF · 最大 10 MB',
      'ht.notes.import.processing':     '{{name}} を読み取り中(Claude vision が保険証情報を抽出しています…)',
      'ht.notes.import.done':           '抽出が完了しました。下で内容をご確認ください。コスト:${{cost}}',
      'ht.notes.import.review.title':   '抽出内容の確認',
      'ht.notes.import.review.intro':   '保険証から読み取った内容をご確認ください。保険サマリーに反映され、更新トラッキング用に Document Vault の「保険」項目にも保存されます。',
      'ht.notes.import.review.unknownIssuer': '(保険会社未識別)',
      'ht.notes.import.review.network': 'ネットワーク',
      'ht.notes.import.review.coverage':'カバー範囲',
      'ht.notes.import.review.memberId':'会員番号',
      'ht.notes.import.review.member':  '加入者',
      'ht.notes.import.review.group':   'グループ',
      'ht.notes.import.review.bin':     'BIN',
      'ht.notes.import.review.pcn':     'PCN',
      'ht.notes.import.review.rxGroup': 'Rx グループ',
      'ht.notes.import.review.pcp':     'PCP',
      'ht.notes.import.review.pcpPhone':'PCP 電話',
      'ht.notes.import.review.csPhone': 'カスタマーサービス',
      'ht.notes.import.review.memberPhone': '会員サービス',
      'ht.notes.import.review.rxPhone': '薬局サポート',
      'ht.notes.import.review.effective': '発効日',
      'ht.notes.import.review.expires': '有効期限',
      'ht.notes.import.review.country': '発行国',
      'ht.notes.import.review.notes':   '備考',
      'ht.notes.import.review.privacy': 'プライバシー:会員番号は下 4 桁のみ保存。フル番号は保存前に破棄され、永続化されません。',
      'ht.notes.import.review.saveToVault': 'Document Vault にも保存(有効期限管理・更新リマインダー)',
      'ht.notes.import.review.save':    '保険証情報を保存',
      'ht.notes.linkedCard':            '紐付け済保険証',
      'ht.notes.untitledCard':          '保険証',
      'ht.notes.expires':               '有効期限',
      'ht.notes.openInVault':           'Vault で開く',
      // AI 生成の検査説明(v0.49)
      'ht.labs.info.aiGenerating':      '{{n}} 件の新規検査について説明を生成中…',
      'ht.labs.info.aiGenerated':       'AI',
      'ht.labs.info.aiGenerated.help':  'AI 生成の説明です。組込みのリファレンスに含まれない検査について Claude が生成した内容のため、医師に確認してください。',
      'ht.labs.info.aiGenerated.done':  '✨ {{n}} 件の検査説明を追加 · ${{cost}}',
      // 保険証カード UI(v0.50)
      'ht.notes.cards.empty.title':     '登録された保険証はまだありません',
      'ht.notes.cards.empty.body':      '手動で追加、または AI で取り込み。医療・歯科・視力の各プランに別カードを作成し、連絡先・請求情報を整理して保存できます。',
      'ht.notes.cards.addManual':       '手動で追加',
      'ht.notes.cards.add.title':       '保険証を追加',
      'ht.notes.cards.edit':            '編集',
      'ht.notes.cards.edit.title':      '保険証を編集',
      'ht.notes.cards.delete.confirm':  '「{{label}}」を削除しますか?10 秒以内であれば取消可。',
      'ht.notes.cards.deleted':         '「{{label}}」を削除 — 10 秒以内に取消可',
      'ht.notes.cards.type.medical':       '医療',
      'ht.notes.cards.type.dental':        '歯科',
      'ht.notes.cards.type.vision':        '視力・眼科',
      'ht.notes.cards.type.prescription':  '処方箋',
      'ht.notes.cards.type.combined':      '医療+処方箋',
      'ht.notes.cards.type.other':         'その他',
      'ht.notes.cards.section.basics':   'プラン基本情報',
      'ht.notes.cards.section.coverage': 'カバー範囲',
      'ht.notes.cards.status.active':       '有効 · 残り {{d}} 日',
      'ht.notes.cards.status.expiringSoon': '期限間近 · {{d}} 日',
      'ht.notes.cards.status.expired':      '期限切れ · {{d}} 日前',
      'ht.notes.cards.status.openEnded':    '無期限',
      // 給付内容(v0.51)
      'ht.notes.cards.section.benefits':    '給付内容',
      'ht.notes.cards.section.svcCoverage': 'サービス別カバー',
      'ht.notes.cards.field.referral':         '紹介状必要?',
      'ht.notes.cards.field.referral.unknown': '— 未設定 —',
      'ht.notes.cards.field.referral.no':      'いいえ — 紹介状不要',
      'ht.notes.cards.field.referral.yes':     'はい — 専門医受診には PCP の紹介状が必要',
      'ht.notes.cards.field.noReferral':       '紹介状不要',
      'ht.notes.cards.field.referralReq':      '紹介状必要',
      'ht.notes.cards.field.currency':         '通貨',
      'ht.notes.cards.field.deductible':       '免責額',
      'ht.notes.cards.field.deductibleIndiv':  '免責額(個人)',
      'ht.notes.cards.field.deductibleFam':    '免責額(家族)',
      'ht.notes.cards.field.oopMax':           '自己負担上限',
      'ht.notes.cards.field.oopIndiv':         '自己負担上限(個人)',
      'ht.notes.cards.field.oopFam':           '自己負担上限(家族)',
      'ht.notes.cards.field.individual':       '個人',
      'ht.notes.cards.field.family':           '家族',
      'ht.notes.cards.field.copay.help':       'サービス別の自己負担。自由記述:「$25」「免責後 80%」「100%」「免責後 20%」等。',
      'ht.notes.cards.svc.pcp':                'プライマリ受診',
      'ht.notes.cards.svc.specialist':         '専門医',
      'ht.notes.cards.svc.urgent':             '救急外来(緊急)',
      'ht.notes.cards.svc.er':                 'ER(救命救急)',
      'ht.notes.cards.svc.hospital':           '入院(病院)',
      'ht.notes.cards.field.rxCoverage':       '処方薬カバー',
      'ht.notes.cards.field.rxCoverage.help':  '自由記述。地域・ネットワーク別の違いを記載:「米国 INN/OON 対象外、海外 80%」など。',
      'ht.notes.cards.field.benefitsNotes':    'その他の給付メモ',
      'ht.notes.cards.field.benefitsNotes.help':'その他の覚書(メンタルヘルス・予防医療・産科・tier 2/3 サービスなどの詳細)。',
      'ht.notes.cards.section.member':   '加入者情報',
      'ht.notes.cards.section.pharmacy': '薬局',
      'ht.notes.cards.section.pcp':      'かかりつけ医',
      'ht.notes.cards.section.contact':  '電話連絡先',
      'ht.notes.cards.section.online':   'オンライン・請求',
      'ht.notes.cards.section.notes':    '備考',
      'ht.notes.cards.field.cardType':     'カード種別',
      'ht.notes.cards.field.cardType.help':'医療・歯科・視力など。種別ごとにカードを分けて連絡先を整理。',
      'ht.notes.cards.field.insurer':      '保険会社',
      'ht.notes.cards.field.plan':         'プラン名',
      'ht.notes.cards.field.network':      'ネットワーク',
      'ht.notes.cards.field.network.help': 'PPO・HMO・EPO・国際保険など。ネットワーク内ルールを把握するため。',
      'ht.notes.cards.field.country':      '発行国',
      'ht.notes.cards.field.effective':    '発効日',
      'ht.notes.cards.field.expires':      '有効期限',
      'ht.notes.cards.field.coverageAreas':'カバー地域',
      'ht.notes.cards.field.coverageAreas.help': 'プランの対象地域。例:「米国以外全世界」「米国+日本」「日本のみ」。',
      'ht.notes.cards.field.memberName':   '加入者氏名',
      'ht.notes.cards.field.memberId':     '会員番号(下 4 桁)',
      'ht.notes.cards.field.memberId.help':'下 4 桁のみ保存。フル番号はプライバシー保護のためアプリ内には保持しません。',
      'ht.notes.cards.field.group':        'グループ / 証券番号',
      'ht.notes.cards.field.bin':          'BIN',
      'ht.notes.cards.field.pcn':          'PCN',
      'ht.notes.cards.field.rxGroup':      'Rx グループ',
      'ht.notes.cards.field.pcpName':      'PCP 氏名',
      'ht.notes.cards.field.pcpPhone':     'PCP 電話',
      'ht.notes.cards.field.csPhone':      'カスタマーサービス',
      'ht.notes.cards.field.memberPhone':  '会員サービス',
      'ht.notes.cards.field.claimsPhone':  '請求受付電話',
      'ht.notes.cards.field.rxPhone':      '薬局サポート',
      'ht.notes.cards.field.providerPhone':'医療機関向け窓口',
      'ht.notes.cards.field.nursePhone':   'ナースライン・24 時間相談',
      'ht.notes.cards.field.mhPhone':      'メンタルヘルス・EAP',
      'ht.notes.cards.field.emergencyPhone':'救急・事前承認',
      'ht.notes.cards.field.claimsWeb':    '請求受付サイト',
      'ht.notes.cards.field.portal':       '会員ポータル',
      'ht.notes.cards.field.mobileApp':    'モバイルアプリ',
      'ht.notes.cards.field.email':        'メール連絡先',
      'ht.notes.cards.field.claimsAddr':   '請求郵送先住所',
      'ht.notes.cards.field.claimsAddr.help': '紙の請求書を郵送する際の宛先。',

      'ht.import.title':                '画像 / PDF から検査・受診を取り込む',
      'ht.import.intro':                '検査報告書(PDF または写真)をドロップしてください。Claude vision がバイタル・検査値(基準範囲付き)・診断・短い要約を抽出します。保存前に内容を確認できます。',
      'ht.import.dropTitle':            'ファイルをドロップまたはクリックで選択',
      'ht.import.dropHelp':             'PNG / JPG / WEBP / GIF / PDF · 最大 10 MB · 1 ファイルずつ',
      'ht.import.dropOver':             '⤓ ドロップして取り込み',
      'ht.import.choose':               'ファイルを選択',
      'ht.import.processing':           '{{name}} を処理中 — Claude vision が検査値を読み取り中…',
      'ht.import.done':                 '抽出完了 — 下のルートを選択 · コスト:${{cost}}',
      'ht.import.intro.attach':         '別の書類をドロップしてください。Claude vision が内容を抽出してこの受診にマージします(検査値の追加、不足バイタルの補完、診断を重複なく追加)。',
      // 種別セレクター(v0.54)
      'ht.import.type.label':           '書類の種別:',
      'ht.import.type.medical':         '医療',
      'ht.import.type.dental':          '歯科',
      'ht.import.type.help':            'ファイル名から自動判定します。違う場合は切り替えてください。',
      // 歯科 費用クイックアクション
      'ht.dental.costs.paid':           '支払済',
      'ht.dental.costs.unpaid':         '未払い',
      'ht.dental.costs.reimbursed':     '保険給付済',
      'ht.dental.costs.insSubmitted':   '保険提出済',
      'ht.dental.costs.insDenied':      '保険給付却下',
      'ht.dental.costs.markPaid':       '支払済にする',
      'ht.dental.costs.markUnpaid':     '未払いに戻す',
      'ht.dental.costs.submitInsurance':'保険に提出',
      'ht.dental.costs.markReimbursed': '保険給付完了',
      'ht.dental.costs.reimbursedPrompt':'給付額を入力(空欄で金額なしで完了)',
      'ht.dental.costs.editInvoice':    '編集',

      // 自動検出 / ルート画面
      'ht.route.title':                 'この書類はどの受診に属しますか?',
      'ht.route.intro':                 '最近の受診を確認しました。下の受診と同じ訪問のものであれば添付、そうでなければ新規作成。',
      'ht.route.preview.title':         'この書類から抽出された内容',
      'ht.route.preview.labs':          '{{n}} 件の検査値',
      'ht.route.preview.vitals':        '{{n}} 件のバイタル',
      'ht.route.preview.diagnoses':     '{{n}} 件の診断',
      'ht.route.preview.kind':          '種別',
      'ht.route.candidates.title':      '候補となる受診(±14 日以内)',
      'ht.route.match.strong':          '高一致',
      'ht.route.match.likely':          '一致の可能性',
      'ht.route.match.possible':        '一致の可能性あり',
      'ht.route.attach.button':         'この受診に添付',
      'ht.route.createNew.title':       'いずれにも該当しない(新規作成)',
      'ht.route.createNew.body':        'この書類のデータを最初のエントリーとして、新しい受診記録を作成。',
      'ht.route.createNew.button':      '新規受診を作成',
      'ht.route.noCandidates.title':    '±14 日以内に類似する受診なし',
      'ht.route.noCandidates.body':     '新規受診記録を作成します。後で受診編集モーダルから他の書類も添付できます。',

      // 請求書 AI 取り込み(v0.40)
      'ht.invoiceImport.btn':           '請求書を取り込む(AI)',
      'ht.invoiceImport.title':         '画像 / PDF から請求書・領収書を取り込む',
      'ht.invoiceImport.intro':         '医療費の請求書・領収書・EOB をドロップしてください。Claude vision が金額・通貨・日付・医療機関・種別を抽出し、日付の近さと医療機関の一致から所属する受診やケアエピソードを提案します。',
      'ht.invoiceImport.dropTitle':     '請求書をドロップまたはクリックで選択',
      'ht.invoiceImport.dropHelp':      'PNG / JPG / WEBP / GIF / PDF · 最大 10 MB · 円 ¥ ・米ドル $ 両対応',
      'ht.invoiceImport.chainEnrich.label': '取り込んだ請求書と一致した医療機関の公開情報(ウェブサイト・住所・他言語名)を自動補完する',
      'ht.invoiceImport.processing':    '{{name}} を処理中 — Claude vision が請求書を読み取り中…',
      'ht.invoiceImport.done':          '抽出完了 — 添付先を選択 · コスト:${{cost}}',
      'ht.invoiceImport.route.title':   'この請求書はどこに属しますか?',
      'ht.invoiceImport.route.intro':   '既存の受診とケアエピソードを日付 + 医療機関でスコアリングしました。下から一致を選ぶか、単独で保存(後でいつでも紐付け可)。',
      'ht.invoiceImport.route.preview.title': 'この請求書から抽出された内容',
      'ht.invoiceImport.route.candidates.exams':    '候補となる受診(±90 日以内)',
      'ht.invoiceImport.route.candidates.episodes': '候補となるケアエピソード',
      'ht.invoiceImport.route.attachExam':    'この受診に添付',
      'ht.invoiceImport.route.attachEpisode': 'このエピソードに添付',
      'ht.invoiceImport.route.standalone.title': '単独の請求書として保存',
      'ht.invoiceImport.route.standalone.body':  '記録上のいずれの受診にも該当しない場合 — 単独で保存。後で請求書編集モーダルから受診やエピソードに紐付け可。',
      'ht.invoiceImport.route.save':          '請求書を保存',
      'ht.invoiceImport.route.edit':          '保存前に編集',
      'ht.invoiceImport.route.noCandidates.title': '近い一致が見つかりません',
      'ht.invoiceImport.route.noCandidates.body':  '±90 日以内・医療機関一致の記録なし。単独で保存するか、まず抽出データを編集してください。',

      // 書類種別ラベル
      'ht.doc.kind.lab_results':        '検査結果',
      'ht.doc.kind.screening_results':  'スクリーニング',
      'ht.doc.kind.imaging':            '画像検査',
      'ht.doc.kind.office_summary':     '診察サマリー',
      'ht.doc.kind.pathology':          '病理',
      'ht.doc.kind.vaccination':        '予防接種',
      'ht.doc.kind.other':              'その他',

      // 受診編集モーダル — 添付書類セクション
      'ht.exams.docs.title':            '添付書類',
      'ht.exams.docs.empty':            '添付書類はありません。AI 取り込みで PDF をドロップすると自動抽出され、同じ受診の書類はこの受診にマージできます。',
      'ht.exams.docs.untitled':         '(無題)',
      'ht.exams.docs.remove':           'この書類を削除',
      'ht.exams.docs.remove.confirm':   'この書類を受診から削除しますか?既に抽出された検査値とバイタルは保持され、書類記録(ファイル名 + 要約)のみ削除されます。続行?',
      'ht.exams.docs.attachAnother':    '別の書類を添付(AI)',
      // 受診 → 紐付け請求書セクション(v0.41)
      'ht.exams.invoices.title':        '紐付けされた請求書',
      'ht.exams.invoices.empty':        'この受診に紐付けされた請求書はまだありません。「+ 請求書を追加」で手動入力、「請求書を取り込む(AI)」で領収書・処方箋から抽出できます。',
      'ht.exams.invoices.addManual':    '請求書を追加',
      'ht.exams.invoices.import':       '請求書を取り込む(AI)',
      'ht.exams.invoices.unpaid':       '未払い',
      'ht.exams.invoices.lineItems':    '明細',
      'ht.exams.invoices.medsMaterialized': 'この領収書から {{n}} 件の服薬記録を自動作成',
      'ht.invoiceImport.intro.attach':  '請求書・薬局領収書をドロップしてください。Claude vision が抽出し、この受診に直接紐付けます。添付先は確定済みのため、ルート選択画面はスキップされます。',
      // 受診 → 紐付け服薬(v0.42)
      'ht.exams.meds.title':            '処方薬',
      'ht.exams.meds.empty':            'この受診に紐付けされた服薬はまだありません。「請求書を取り込む(AI)」で薬局領収書を取り込むと服薬記録が自動作成されます。「+ 服薬を追加」で手動入力も可。',
      'ht.exams.meds.addManual':        '服薬を追加',
      'ht.meds.ai':                     'AI 取り込み',
      'ht.meds.ended':                  '終了',
      'ht.meds.startedShort':           '開始',
      'ht.meds.fromInvoice':            '請求書から',
      'ht.exams.docs.noKey':            'AI 画像取り込みで書類を添付するには Settings で Claude API キーを設定してください。',
      'ht.exams.row.docs':              '書類',

      // 受診 → エピソード紐付け
      'ht.exams.field.episode':         '所属するケアエピソード',
      'ht.exams.field.episode.help':    '複数回の受診をまたぐケアエピソードに紐付け(例:事前診察 + 検査 + 処置 + フォローアップにわたる大腸内視鏡)。任意。',
      'ht.exams.field.episode.none':    'エピソードなし',
      'ht.exams.field.episode.createNew': '新規エピソードを作成…',
      'ht.meds.field.episode':          '所属するケアエピソード',
      'ht.meds.field.episode.none':     'エピソードなし',

      // ====================================================================
      // ケアエピソード タブ(v0.39)
      // ====================================================================
      'ht.episodes.title':              'ケアエピソード',
      'ht.episodes.intro':              '単一の医療イベントに属する複数の受診・処方・請求書をひとつにまとめます(例:事前診察 + 処置 + フォローアップから成る大腸内視鏡スクリーニング)。エピソード作成後は、詳細ビューから既存の受診・服薬・請求書を紐付けできます。',
      'ht.episodes.empty':              'ケアエピソードがまだありません。「+ エピソード追加」でグループ化を開始。処置(大腸内視鏡)・検診(乳がん検診)・継続的な疾患(高血圧管理)・妊娠・メンタルヘルス等に有用。',
      'ht.episodes.add':                'エピソード追加',
      'ht.episodes.addTitle':           '新規ケアエピソード',
      'ht.episodes.edit':               'ケアエピソード編集',
      'ht.episodes.untitled':           '(無題のエピソード)',
      'ht.episodes.delete.confirm':     'このエピソードを削除しますか?紐付けされた受診・服薬・請求書は分離されるだけで削除はされません。',
      'ht.episodes.ongoing':            '進行中',
      'ht.episodes.exams':              '受診',
      'ht.episodes.meds':               '服薬',
      'ht.episodes.invoices':           '請求書',
      'ht.episodes.reimbursed':         '償還済',
      'ht.episodes.attachAfterSave':    'まず保存 — その後このエピソードの詳細ビューから受診・服薬・請求書を紐付け可能。',
      'ht.episodes.field.autoFilled':   '自動入力',
      'ht.episodes.field.started.help.new': '任意(不明な場合は空欄でも構いません)。受診や請求書を紐付けると、最も古い日付に自動更新されます。',
      'ht.episodes.autofill.section':   '紐付けから自動入力',
      'ht.episodes.autofill.body':      'これらのフィールドは下で紐付ける受診・服薬・請求書から自動入力されます。任意の値を編集すると上書き優先 — 編集した値はそのまま保持され、自動入力は停止します。',
      'ht.episodes.create.nextSteps.title': '次:記録を紐付け',
      'ht.episodes.create.nextSteps.body':  '保存後、エピソード詳細ビューが開き、既存の受診(検査・スクリーニング・処置記録)・処方・請求書を紐付けできます。担当医・施設・診療科・関連状態・メモ・結果は紐付けた内容から自動入力されます。エピソードの期間は最も古い・最も新しい紐付けデータの日付に追随します。',
      'ht.episodes.create.saveContinue': '保存して続行 →',

      // エピソードフィールド
      'ht.episodes.field.title':        'エピソード名',
      'ht.episodes.field.title.help':   '自由記述。例:「大腸内視鏡 2026」「高血圧管理」「膝手術 2027 年 1-4 月」。',
      'ht.episodes.field.title.required': 'エピソード名は必須です。',
      'ht.episodes.field.category':     'カテゴリー',
      'ht.episodes.field.status':       'ステータス',
      'ht.episodes.field.started':      '開始日',
      'ht.episodes.field.completed':    '完了日',
      'ht.episodes.field.completed.help':'エピソード進行中の場合は空欄。日付 + ステータス「完了」で終結扱い。',
      'ht.episodes.field.specialty':    '診療科',
      'ht.episodes.field.specialty.help':'例:消化器科・循環器科・皮膚科。',
      'ht.episodes.field.provider':     '主担当医',
      'ht.episodes.field.facility':     '主施設・クリニック',
      'ht.episodes.field.condition':    '関連する状態・理由',
      'ht.episodes.field.condition.help':'例:「定期検診」「ピロリ菌陽性」「アキレス腱損傷」。',
      'ht.episodes.field.notes':        'メモ',
      'ht.episodes.field.outcome':      '結果',
      'ht.episodes.field.outcome.help': 'エピソード終結時に記録します(最終結果・推奨事項・次回検診の間隔など)。',

      // 紐付け記録パネル
      'ht.episodes.attached.title':     '紐付けされた記録',
      'ht.episodes.attached.exams':     '受診',
      'ht.episodes.attached.exams.empty':'まだ受診が紐付けされていません。ピッカーから既存の受診を紐付けるか、受診を開いて「所属するケアエピソード」をこれに設定。',
      'ht.episodes.attached.exams.add': '受診を紐付け',
      'ht.episodes.attached.exams.open':'この受診を開く',
      'ht.episodes.attached.exams.detach':'エピソードから外す',
      'ht.episodes.attached.meds':      '服薬',
      'ht.episodes.attached.meds.empty':'紐付けされた服薬なし。処置後の処方をエピソードに紐付けるのに有用。',
      'ht.episodes.attached.meds.add':  '服薬を紐付け',
      'ht.episodes.attached.invoices':  '請求書',
      'ht.episodes.attached.invoices.empty':'紐付けされた請求書なし。領収書・自己負担・請求明細書を追加してエピソード総コストを追跡。',
      'ht.episodes.attached.invoices.add':'請求書を追加',
      'ht.episodes.cost.total':         '総コスト',
      'ht.episodes.cost.net':           '償還控除後の純額',

      // ピッカーモーダル
      'ht.episodes.picker.exams.title': '受診をこのエピソードに紐付け',
      'ht.episodes.picker.exams.intro': 'リストの受診をクリックして紐付け(既に紐付け済みの場合は外す)。',
      'ht.episodes.picker.exams.empty': '紐付け可能な受診がありません。先に「受診詳細」から受診を追加してください。',
      'ht.episodes.picker.meds.title':  '服薬をこのエピソードに紐付け',
      'ht.episodes.picker.meds.intro':  'リストの服薬をクリックして紐付け(既に紐付け済みの場合は外す)。',
      'ht.episodes.picker.meds.empty':  '紐付け可能な服薬がありません。先に「服薬・追跡」から服薬を追加してください。',
      'ht.episodes.picker.attach':      '紐付け',
      'ht.episodes.picker.attached':    '紐付け済',
      'ht.episodes.picker.done':        '完了',

      // 請求書
      'ht.invoices.add':                '請求書を追加',
      'ht.invoices.edit':               '請求書を編集',
      'ht.invoices.delete.confirm':     'この請求書を削除しますか?',
      'ht.invoices.field.date':         '日付',
      'ht.invoices.field.type':         '種別',
      'ht.invoices.field.provider':     '請求元・支払先',
      'ht.invoices.field.facility':     '施設・クリニック',
      'ht.invoices.field.amount':       '金額',
      'ht.invoices.field.amount.required':'金額は必須です。',
      'ht.invoices.field.paid':         '支払完了',
      'ht.invoices.field.notes':        'メモ',
      'ht.invoices.type.visit':         '診察',
      'ht.invoices.type.lab':           '検査',
      'ht.invoices.type.procedure':     '処置',
      'ht.invoices.type.rx':            '処方薬',
      'ht.invoices.type.imaging':       '画像検査',
      'ht.invoices.type.er':            '救急・緊急外来',
      'ht.invoices.type.dental':        '歯科',
      'ht.invoices.type.other':         'その他',
      'ht.invoices.reim.section':       '保険償還',
      'ht.invoices.reim.status':        '償還ステータス',
      'ht.invoices.reim.status.help':   '各請求書の保険償還プロセスの位置を追跡。「申請中」「保留」が 30 日超過でアクション項目が発火。',
      'ht.invoices.reim.amount':        '償還額',
      'ht.invoices.reim.amount.help':   '受領額(または期待額)。エピソードの「償還控除後純額」集計に使用。',
      'ht.invoices.reim.na':            '対象外',
      'ht.invoices.reim.pending':       '保留',
      'ht.invoices.reim.submitted':     '申請中',
      'ht.invoices.reim.received':      '受領',
      'ht.invoices.reim.denied':        '却下',
      // 検診フィルタ設定バナー(性別・年齢が未設定時に表示)
      'ht.setup.title':                 '検診を絞り込むため少し情報を入力してください',
      'ht.setup.body':                  '現在は全ての検査項目を表示中。生物学的性別と生年を設定すると、該当しない検診を非表示にできます(例:女性以外には乳がん・子宮頸がん検診を非表示、男性以外には PSA・AAA を非表示)。完全ローカル保存・AI 不要。',
      'ht.setup.sex.label':             '生物学的性別',
      'ht.setup.sex.help':              'Health Tracker の検診絞り込みのみに使用。「回答しない」も選択可能。',
      'ht.setup.sex.choose':            '— 選択 —',
      'ht.setup.sex.female':            '女性',
      'ht.setup.sex.male':              '男性',
      'ht.setup.sex.other':             'その他・ノンバイナリー',
      'ht.setup.sex.private':           '回答しない',
      'ht.setup.birthYear.label':       '生年',
      'ht.setup.birthYear.help':        '西暦のみ(例:1980)。各モジュールでの年齢ベース絞り込みに使用。',
      'ht.setup.birthYear.age':         '{{age}} 歳',
      // Healthcare モジュール
      'health.title':                  '医療・健康保険',
      'health.subtitle':               'NHI・SHI・TRICARE・Medicare・VA FMP・介護保険・米国民間保険を横断する保険調整。Resident・Veteran・Document Vault の既存データを取り込み、Medicare A/B/D 追跡(日本居住の判断ロジック付き)・介護保険加入・終末期希望・月次保険料予算集計を追加。',
      'health.badge':                  '医療',
      'health.edit':                   '編集',
      'health.save':                   '保存',
      'health.cancel':                 'キャンセル',

      'health.section.overview':       '保険カバレッジ概要',
      'health.section.nhi':            'NHI / SHI ステータス(日本)',
      'health.section.private':        '民間・雇用主提供の海外保険',
      'health.section.tricare':        'TRICARE',
      'health.section.fmp':            'VA 海外医療プログラム',
      'health.section.medicare':       'Medicare(Part A / B / D)',
      'health.section.ltc':            '介護保険',
      'health.section.end_of_life':    '終末期の希望',
      'health.section.budget':         '月次保険料予算',
      'health.section.resources':      '参考資料',

      'health.overview.primary_coverage': '主要医療保険',
      'health.overview.jp_system':     '日本の制度',
      'health.overview.private_intl':  '雇用主提供の海外プラン',
      'health.overview.nhi_active':    '日本の国民皆保険',
      'health.overview.shi_active':    '日本の雇用主社会保険',
      'health.overview.medicare_only_hint': 'Medicare のみ — 海外医療は対象外',
      'health.overview.no_primary':    '主要保険未登録',
      'health.overview.sofa_add_private': 'SOFA で NHI 免除 — 雇用主・民間プランを記録してください',
      'health.overview.jp_resident_required': '日本居住者は NHI または SHI 加入が必須',
      'health.overview.jp_enrolled':   '加入済み',
      'health.overview.sofa_exempt':   '免除(SOFA ステータス)',
      'health.overview.sofa_exempt_hint': 'NHI/SHI 不要 — 日米地位協定によりカバー',
      'health.overview.jp_required':   '未加入(必須)',
      'health.overview.jp_required_hint': '日本居住者は NHI または SHI に加入必須',
      'health.overview.tricare_not_for_status': 'あなたのステータスは TRICARE 対象外',
      'health.overview.jp_coverage':   '日本側カバレッジ',
      'health.overview.no_jp':         '未加入(必須)',
      'health.overview.na':            '該当なし',
      'health.overview.tricare_eligible': '資格あり — Veteran でプラン設定',
      'health.overview.medicare_due':  '資格あり / 期限超過',
      'health.overview.medicare_pre':  '65 歳前',
      'health.overview.ltc_paying':    '保険料支払中(40 歳以上)',
      'health.overview.ltc_enrolled':  '介護度設定済み',
      'health.overview.advance_directive': '事前指示書',
      'health.overview.in_vault':      'Vault 登録済み',
      'health.overview.not_filed':     '未登録',
      'health.overview.take.no_jp_coverage': '日本居住者(SOFA 以外)で NHI/SHI 未加入 — 法的義務違反かつ重大なギャップ。',
      'health.overview.take.sofa_no_private': 'SOFA ステータス(NHI 免除)ですが民間・雇用主プランが未記録。「民間・雇用主提供の海外保険」セクションで追加してカバレッジ全体像を完成させてください。',
      'health.overview.take.medicare_b_unused': 'Medicare Part B を支払いつつ日本在住で対象外医療を受けている。継続(クレジタブル・カバレッジの価値)か中止(年間 ~$2,400 節約だが将来再加入時に遅延罰則)を検討すべき。',
      'health.overview.take.medicare_decision': '64 歳以上 — Medicare 加入期間は 65 歳の誕生日前後 7 ヶ月。逃すと遅延罰則は終身。',
      'health.overview.take.advance_directive': '事前指示書未登録。米国・日本の医療チームは異なるデフォルトを持つため、国境を越える家族には特に重要。',

      'health.nhi.edit_in_resident':   'Resident で編集',
      'health.nhi.status_label':       'NHI ステータス',
      'health.nhi.enrolled':           '加入済み',
      'health.nhi.not_enrolled':       '未加入',
      'health.nhi.exempt_label':       '免除 — SOFA ステータス',
      'health.nhi.exempt_body':        '日米地位協定により、SOFA ステータスの個人は NHI または SHI への加入義務なし。カバレッジは通常、米軍医療制度(現役)・雇用主提供の海外保険(CIGNA International・Aetna International・連邦文官の FEHB)・米国雇用主プラン(契約者)を通じて提供されます。',
      'health.nhi.required_body':      '非 SOFA 居住者には日本法上必須。市役所・区役所で加入(在留カード持参)。保険料は前年所得に基づく。未加入では医療費全額自己負担+法的非遵守。',
      'health.nhi.see_private_card':   '実際のカバレッジ(雇用主プラン等)は下の「民間・雇用主提供の海外保険」セクションで記録し、医療カバレッジ全体像を完成させてください。',
      'health.nhi.assessment':         '前年保険料額決定通知',
      'health.nhi.point.universal':    'NHI(国民健康保険)は雇用主 SHI 未加入の日本居住者に強制適用。市役所・区役所で加入。',
      'health.nhi.point.30pct_copay':  '通常 3 割負担;高齢者は減額(1-2 割)、子供は自治体補助で 0 割が多い。',
      'health.nhi.point.high_cost_subsidy': '高額療養費 — 一般所得者の自己負担上限は月 ~¥8 万;重大医療費を補償。',
      'health.nhi.point.shi_alternative': '雇用主 SHI(社会保険)は雇用時に NHI を代替。保険料は雇用主と折半;扶養家族カバー。',
      'health.nhi.point.sofa_exception': 'SOFA(現役軍人・国防総省文官・契約者)は対象外 — 米軍医療制度でカバー。',

      'health.private.intro':          '雇用主提供の海外プラン(CIGNA International・Aetna International・GeoBlue 等)、連邦文官の FEHB、契約者・米国企業駐在員の米国雇用主プラン。SOFA 免除者は通常これを主要カバレッジとして使用。',
      'health.private.expected_not_set': '雇用形態から想定されるが未記録',
      'health.private.none':           'なし / 該当なし',
      'health.private.premium':        '月額保険料',
      'health.private.employer_fully': '雇用主全額負担',
      'health.private.employer_partial': '雇用主一部負担',
      'health.private.self_pay':       '自己負担',
      'health.private.point.cigna_global': 'CIGNA International と Aetna International は日本での DoD 契約者・米国企業駐在員の最も一般的なプラン。両方とも日本のプロバイダーネットワークを持ち、主要病院では直接請求対応。',
      'health.private.point.coordinate_with_jp': 'これらのプランは NHI/SHI と連携しないが、SOFA 免除者は通常 NHI を持たないため問題なし。一部の主要東京病院(聖路加・東京ミッドタウン)は海外保険会社に直接請求。',
      'health.private.point.no_jp_coverage_substitute': '非 SOFA 利用者(通常の就労ビザ保持者)の場合:民間海外保険は NHI/SHI 加入の免除にはなりません。日本居住者である限り、日本法は加入を要求します。',
      'health.private.point.dependent_coverage': '多くのプランは扶養家族(配偶者+子)をカバー。扶養終了年齢を確認 — 通常は 19-26 歳(学生身分による、TRICARE と類似)。',
      'health.private.point.transition_planning': '転職・退職・日本離脱時にこのカバレッジは突然終了することが多い。計画を:COBRA 同等品(海外では稀)・民間継続プラン・ギャップ前に NHI/SHI への移行。',
      'health.private.plan_type':      'プラン種別',
      'health.private.custom_name':    'プラン名',
      'health.private.premium_usd':    '月額保険料($)',
      'health.private.premium_usd.help': 'プランが円建て請求の場合は空欄。予算集計には両通貨表示。',
      'health.private.premium_jpy':    '月額保険料(¥)',
      'health.private.premium_jpy.help': 'プランが米ドル建て請求の場合は空欄。',
      'health.private.employer_paid_label': '保険料負担',
      'health.private.notes':          'メモ',
      'health.private.notes.help':     'プラン番号、控除額、日本でのネットワークカバレッジ、扶養終了日等。',
      'health.modal.private':          '民間・雇用主健康保険を編集',

      'health.tricare.edit_in_veteran': 'Veteran で編集',
      'health.tricare.current_plan':   '現在のプラン',
      'health.tricare.eligible_no_plan': '資格あり(プラン未記録)',
      'health.tricare.not_set':        '未設定',
      'health.tricare.point.overseas_works': 'TRICARE Overseas Program(TOP)は日本での現役・家族をカバー。主要都市の参加プロバイダーでは概ね現金不要。',
      'health.tricare.point.tfl':      'TRICARE for Life(TFL)は 65 歳以上の退役者で Medicare をラップ。Medicare A+B 加入が必須 — Part B 中止 = TFL 喪失。',
      'health.tricare.point.dependent_age_out': '扶養カバレッジは 21 歳(全日制学生は 23 歳)で終了。誕生日前に TRICARE Young Adult($299-$719/月)または民間代替を計画。',
      'health.tricare.point.cash_pay_then_claim': '多くの日本のプロバイダーは TRICARE 直接請求しない — 現金払い・領収書保管・TOP クレーム処理者に申請。',
      'health.tricare.point.no_jp_coordination': 'TRICARE は NHI / SHI と連携しない。両方ある場合(例:NHI を持つ退役者)はケース毎に選択。',

      'health.fmp.enrolled':           'VA FMP 加入済み',
      'health.fmp.not_enrolled':       '未加入',
      'health.fmp.disability_rating':  'VA 障害認定率',
      'health.fmp.point.sc_only':      'FMP は服務関連症状のみカバー。非 SC 治療は自己負担。',
      'health.fmp.point.reimbursement': 'プロバイダーには前払い;VA FMP に申請して払い戻し。60-90 日要する。',
      'health.fmp.point.preauth':      '入院・非緊急手術には事前承認が必要。緊急医療は事後承認可(なるべく早く申請)。',
      'health.fmp.point.no_iu':        '100% 認定の IU/TDIU 退役者は 100% SC と同じく FMP を全面利用可。100% 未満は SC 症状のみ。',

      'health.medicare.reality_label': '日本の Medicare:支払うが使わないサービス?',
      'health.medicare.reality_body':  'Medicare は海外医療をカバーしない(狭い例外あり)。しかし Part B 保険料(2026 年 $' + 195 + '+/月)は使用有無にかかわらず全額支払。継続(クレジタブル・カバレッジ・将来の帰国)か中止(年間 ~$2,400 節約)の判断は非対称 — 遅延加入罰則(12 ヶ月遅れごとに 10%、終身)で再加入は高額。判断を文書化し、毎年見直しを。',
      'health.medicare.enrolled':      '加入済み',
      'health.medicare.not_enrolled':  '未加入',
      'health.medicare.part_a_hint':   '入院保険 — 40 単位以上の労働歴があれば通常無料。継続を。',
      'health.medicare.part_b_hint':   '外来 — 保険料あり、海外医療は対象外。',
      'health.medicare.part_d_hint':   '処方薬 — 米国で処方を受ける場合のみ有用。',
      'health.medicare.enrolled_a':    'Part A(入院)加入',
      'health.medicare.enrolled_b':    'Part B(外来)加入',
      'health.medicare.enrolled_d':    'Part D(処方)加入',
      'health.medicare.part_b_premium': 'Part B 保険料(USD/月)',
      'health.medicare.part_b_premium.help': '2026 年は ~$' + 195 + '/月が標準;IRMAA 階層対象(高所得者)は割増。SSA 明細書で実際の保険料を確認。',
      'health.medicare.decision_select': 'Part B 判断',
      'health.medicare.decision.enrolled':  '加入',
      'health.medicare.decision.declined':  '中止',
      'health.medicare.decision.undecided': '未決定 — 毎年見直し',
      'health.medicare.decision_notes': '判断メモ',
      'health.medicare.decision_notes.help': '将来の自分のために理由を記録。Part B 継続の理由:TFL に必須・将来帰国の可能性・遅延罰則回避。中止の理由:年間 $2,400+ を払うが使わない・NHI + 日本医療で十分。',
      'health.medicare.decision_label': '簡易判断フレームワーク:',
      'health.medicare.decision.point1': 'TFL を使う退役者?→ Part B 継続(TFL に必須)。',
      'health.medicare.decision.point2': '米国に二度と戻らない確信あり?→ Part B 中止は妥当。',
      'health.medicare.decision.point3': '迷っている・帰国の可能性?→ Part B 継続が安全な非対称ベット。',
      'health.medicare.decision.point4': 'IRMAA 階層(高所得)?→ 計算がさらに不利;専門家相談を。',
      'health.medicare.your_notes':     'あなたのメモ',
      'health.modal.medicare':          'Medicare 加入・判断を編集',

      'health.ltc.age_years':           '歳',
      'health.ltc.care_level':          '介護度',
      'health.ltc.no_care_level':       '介護度なし(保険料のみ)',
      'health.ltc.care_level.help':     '自治体で正式に介護認定された場合に設定(介護認定審査会による判定)。65 歳未満の多くは保険料のみで介護度なし。',
      'health.ltc.paying_premiums':     '保険料支払中(介護度認定なし)',
      'health.ltc.should_be_paying':    '保険料支払対象(40 歳以上の日本居住者)',
      'health.ltc.not_yet_eligible':    '年齢対象外',
      'health.ltc.monthly_premium':     '月次保険料(¥)',
      'health.ltc.monthly_premium.help': 'NHI / SHI 経由で自動天引き。最新の NHI 税額決定通知書で確認。',
      'health.ltc.strategy_notes':      '資金計画・メモ',
      'health.ltc.strategy_notes.help': '将来 要介護3 以上が必要になった時の資金計画は?家族介護 + 日本制度で多くカバーされるが全てではない。',
      'health.ltc.your_strategy':       'あなたの資金計画',
      'health.ltc.point.mandatory':     '40 歳以上の日本居住者全員に強制 — 保険料は NHI / SHI 経由で自動天引き。',
      'health.ltc.point.7_levels':      '7 段階:要支援1-2(軽度支援)、要介護1-5(重度ケア)。市町村介護認定審査会が判定。',
      'health.ltc.point.copay':         'サービスは 1 割負担(高所得者は 2 割);低所得者は無料。',
      'health.ltc.point.us_long_term_care_separate': '米国の長期介護保険は別の民間市場。日本居住の米国人の多くは日本の普遍制度があるため不要と判断。',
      'health.ltc.point.bridge_planning': '日本制度はケアをカバーするが生活費全般(食費・家賃・家族支援)は対象外。介護保険 でカバーされない部分のブリッジ資金を計画。',
      'health.modal.ltc':               '介護保険を編集',

      'health.eol.advance_directive':   '事前指示書(リビング・ウィル)',
      'health.eol.medical_poa':         '医療代理人(健康代理人)',
      'health.eol.add_to_vault':        'Vault で管理',
      'health.eol.organ_donor_us':      '臓器提供登録(米国)',
      'health.eol.organ_donor_jp':      '臓器提供意思表示カード(日本)',
      'health.eol.dnr':                 'DNR(蘇生拒否)希望',
      'health.eol.dnr.yes':             'DNR — 蘇生拒否',
      'health.eol.dnr.no':              '完全蘇生',
      'health.eol.dnr.limited':         '限定的(挿管可・心臓マッサージ不可など)',
      'health.eol.dnr.help':            '医師・家族と相談。医療事前指示書に明記し、医療代理人にも周知。',
      'health.eol.funeral_notes':       '葬儀の希望',
      'health.modal.eol':               '終末期希望を編集',

      'health.budget.intro':            '支払う全健康保険の月次保険料を集計。介護保険 + Medicare カードから自動取得;NHI / SHI / TRICARE / 民間は別途入力。',
      'health.budget.intro_prefix':     'あなたに該当するプランの月次保険料を集計:',
      'health.budget.line.private':     '民間海外保険',
      'health.budget.line.private_us':  'その他(歯科・視覚等)',
      'health.budget.private_link':     '民間・雇用主提供海外保険の保険料は上の「民間・雇用主提供の海外保険」カードで記録 — この予算に自動連携されます。',
      'health.budget.empty':            '保険料未記録。「編集」で月次金額を入力。',
      'health.budget.total_monthly':    '月次合計',
      'health.budget.total_annual':     '年次換算',
      'health.budget.modal_help':       '正しい通貨で実際の現行保険料を入力。あなたの状況に該当する項目のみ表示。サマリーには両通貨表示;FX 換算は現在の財務省レート。',
      'health.modal.budget':            '医療予算を編集',

      'health.resources.medicare.title': 'Medicare.gov(米国 Medicare 公式サイト)',
      'health.resources.medicare.body':  '加入・プラン比較・IRMAA 階層・遅延加入罰則ルール。',
      'health.resources.tricare_overseas.title': 'TRICARE Overseas Program',
      'health.resources.tricare_overseas.body':  '米国外向けプラン。現役・退役者オプションと申請プロセス。',
      'health.resources.fmp.title':     'VA 海外医療プログラム',
      'health.resources.fmp.body':      '海外での服務関連障害治療 — 払い戻し・事前承認・申請書(VA Form 10-7959f)。',
      'health.resources.mhlw.title':    '厚生労働省',
      'health.resources.mhlw.body':     '日本の公式医療政策。NHI ルール・高額療養費 閾値・介護保険 制度詳細。',
      'health.resources.ltc.title':     '介護保険(厚労省公式概要)',
      'health.resources.ltc.body':      '日本の長期介護の仕組み:加入・介護度・対象サービス・自己負担。',
      'health.resources.cigna_intl.title': 'CIGNA Global / International',
      'health.resources.cigna_intl.body':  'メンバーポータル、クレーム提出、日本のプロバイダー検索。日本駐在の DoD 契約者・米国企業駐在員に一般的。',
      'health.resources.aetna_intl.title': 'Aetna International',
      'health.resources.aetna_intl.body':  'メンバーポータル、クレーム提出、ネットワーク検索。日本駐在従業員向けのもう一つの主要米国系国際プラン。',
      'health.resources.fehb.title':    'FEHB(連邦職員健康給付)',
      'health.resources.fehb.body':     '連邦文官・退職者向け OPM ポータル。プラン比較、オープンシーズン、海外カバレッジルール。',
      'health.resources.none_applicable': '現在のセットアップに該当する外部リソースがありません。カスタマイズで有効化するか、オンボーディング・雇用形態・カバレッジデータを更新して関連リンクを表示。',

      // Net Worth & Reports module
      'nw.title':                      '純資産・レポート',
      'nw.subtitle':                   'Asset の時系列レイヤー。残高をスナップショット保存、USD/JPY 切替の純資産推移グラフ、年次比較、年次レビューウィザード、税務パッケージ + 資産 + 相続状況を統合した年末レポートをエクスポート。',
      'nw.badge':                      '純資産',
      'nw.cancel':                     'キャンセル',

      'nw.section.snapshot':           '最新スナップショット',
      'nw.section.chart':              '純資産推移グラフ',
      'nw.section.yoy':                '年次比較',
      'nw.section.history':            'スナップショット履歴',
      'nw.section.review':             '年次レビュー',
      'nw.section.report':             '年次レポート出力',
      'nw.section.preferences':        '設定',

      'nw.snapshot.take_now':          '今すぐスナップショット',
      'nw.snapshot.empty':             'スナップショットなし。「今すぐスナップショット」で現在の残高を保存。グラフは複数のスナップショットから推移を表示します。',
      'nw.snapshot.latest_value':      '最新評価額',
      'nw.snapshot.delta_from_prev':   '前回からの変化',
      'nw.snapshot.days_since':        '経過日数',
      'nw.snapshot.consider_new':      '新しいスナップショットを検討',
      'nw.snapshot.total_count':       'スナップショット数',
      'nw.snapshot.need_more_for_chart': 'グラフには 2 件以上必要',
      'nw.snapshot.modal_title':       '純資産スナップショット',
      'nw.snapshot.modal_help':        '現時点の合計残高 + 口座別状態を保存。ローカル保存、アップロードなし。',
      'nw.snapshot.label':             'ラベル',
      'nw.snapshot.label_help':        '「2026年Q1」「賞与後」「転換前」など短いラベル。空欄なら本日日付。',
      'nw.snapshot.take':              'スナップショット',

      'nw.chart.range.all':            '全期間',
      'nw.chart.need_more':            'グラフ表示には 2 件以上のスナップショットが必要。継続的に保存して推移を確認。',

      'nw.yoy.intro':                  '最新スナップショットを 90 日前・1 年前・3 年前・5 年前のスナップショットと比較。各目標日の ±60 日以内で最も近いスナップショットを採用。',
      'nw.yoy.need_more':              '比較には 2 件以上のスナップショットが必要。',
      'nw.yoy.no_matches':             'いずれの比較日付近にもスナップショットなし。継続的に保存してください。',
      'nw.yoy.period.90d':             '90 日前',
      'nw.yoy.period.1y':              '1 年前',
      'nw.yoy.period.3y':              '3 年前',
      'nw.yoy.period.5y':              '5 年前',
      'nw.yoy.allocation_drift':       '配分ドリフト(最古 → 最新)',

      'nw.history.empty':              'スナップショットなし。',
      'nw.history.accounts':           '口座',
      'nw.history.confirm_delete':     'このスナップショットを削除しますか?',

      'nw.review.start':               '年末チェックアップ開始',
      'nw.review.intro':               'インラインで作業を進める 12 ステップのガイド型チェックアップです。FX 更新・年末純資産スナップショット・PFIC スキャン・FBAR 基準チェック・家族のパスポート期限調査・年末レポート生成まで、約 15 分で完了します。',
      // 年末チェックアップ・ウィザード(v2)
      'nw.review2.modal_title':         '年末チェックアップ',
      'nw.review2.modal_intro':         'モジュールを横断するガイド型ウィザード。各ステップに「実行」ボタンがあり、その場で作業を完了(モジュール間を行き来する必要なし)。アクション不要のステップは「✓ 確認」、対象外なら「スキップ」を選択。',
      'nw.review2.step_label':          'ステップ {{current}} / {{total}}',
      'nw.review2.open_module':         'このモジュールを別ビューで開く',
      'nw.review2.btn.run_now':         '実行',
      'nw.review2.btn.running':         '実行中…',
      'nw.review2.btn.next':            '確認',
      'nw.review2.btn.skip':            'スキップ',
      'nw.review2.btn.complete':        'チェックアップ完了',
      'nw.review2.complete_title':      '年末チェックアップ完了',
      'nw.review2.complete_body':       '年末レポートをダウンロードしました(ステップ 12 を実行した場合)。「完了」でこのチェックアップを記録 — ダッシュボードに各ステップの結果から派生したアクション項目が表示されます。',
      'nw.review2.notes_label':         'メモ(任意)',
      'nw.review2.notes_placeholder':   '今年の重要事項?重大なライフイベント・大きな収入変化・来年の計画など…',

      'nw.review2.step.fx_refresh.title':     'FX レート更新',
      'nw.review2.step.fx_refresh.body':      '米財務省の年末レート(FBAR 用)とライブスポットレート(FX モジュール・予測用)を取得。ワンクリック・認証不要。',
      'nw.review2.step.snapshot.title':       '年末純資産スナップショット',
      'nw.review2.step.snapshot.body':        '現在のポートフォリオ合計を年末記録として保存。グラフと年次差分の根拠データになります。',
      'nw.review2.step.asset_balances.title': 'アクティブ資産口座の残高更新',
      'nw.review2.step.asset_balances.body':  '年末残高は FBAR 集計・8938 基準・スナップショット精度の元データ。Assets を開いて 90 日以上更新されていない口座を更新。',
      'nw.review2.step.pfic_scan.title':      'PFIC ドリフト再スキャン',
      'nw.review2.step.pfic_scan.body':       '投資信託・学資保険・NISA を Assets から検出。PFIC は Form 8621 と懲罰的なデフォルト課税を発動 — 早期発見が重要。',
      'nw.review2.step.fbar_threshold.title': 'FBAR 基準チェック',
      'nw.review2.step.fbar_threshold.body':  '外国口座残高を集計。年間ピーク $10,000 で FBAR(FinCEN 114)が必須 — 送金一回でも超過する可能性、年末後の再確認を推奨。',
      'nw.review2.step.family.title':         '家族 + パスポート更新',
      'nw.review2.step.family.body':          '今後 12 ヶ月以内に有効期限を迎えるパスポート・年内の贈与記録の抜け・20 歳の国籍選択期限が近い二重国籍の子を表示。',
      'nw.review2.step.property.title':       '不動産レビュー',
      'nw.review2.step.property.body':        '次年度の固定資産税タイミング・元主たる住居が賃貸化している場合の §121 5 年時計・新規取得税の確認。',
      'nw.review2.step.healthcare.title':     '医療レビュー',
      'nw.review2.step.healthcare.body':      '65 歳に近い場合の Medicare IEP 検出・新年度の保険料変動・民間国際保険の更新タイミング。',
      'nw.review2.step.tax_docs.title':       '税務書類の収集',
      'nw.review2.step.tax_docs.body':        '1040/2555/1116/8938/8621/FBAR 用の書類で Vault にあるもの・まだ収集が必要なものを確認。Tax Coordinator のチェックリストと相互参照。',
      'nw.review2.step.consultations.title':  'コンサルテーション記録更新',
      'nw.review2.step.consultations.body':   '前回レビュー以降の CPA・税理士・アドバイザーとの会議を記録。確定申告期前に Q1 のセッションを計画。',
      'nw.review2.step.spouse_handoff.title': '配偶者・遺族引継パッケージ更新',
      'nw.review2.step.spouse_handoff.body':  '配偶者引継パッケージと遺族バインダーを再生成し今年の変更を反映。世帯内で誰かが急に対応する必要が生じた場合に重要。',
      'nw.review2.step.report.title':         '年末レポート生成',
      'nw.review2.step.report.body':          'Taigan Bridge の全状態を Markdown バンドルとしてダウンロード — エグゼクティブサマリー・資産インベントリ・税務コンテキスト・相続スナップショット・家族構成・アクション項目。CPA レビュー・年末アーカイブ・配偶者・アドバイザー共有に有用。',
      'nw.review.never':               '年次レビュー未実施。「レビュー開始」でモジュールを順に確認。',
      'nw.review.last':                '最終レビュー',
      'nw.review.modal_title':         '年次レビュー',
      'nw.review.step_label':          'ステップ {{current}} / {{total}}',
      'nw.review.open_module':         'このモジュールを別ビューで開く',
      'nw.review.btn.confirmed':       '変更なし',
      'nw.review.btn.updated':         '更新済み',
      'nw.review.btn.skip':            'スキップ',
      'nw.review.complete_title':      'レビュー完了',
      'nw.review.complete_body':       'この年に関する一般メモを追加し、「完了」をクリック。レビュー記録 + 新規スナップショットでこの瞬間を保存します。',
      'nw.review.notes_label':         'メモ(任意)',
      'nw.review.notes_placeholder':   '今年の重要事項?重大なライフイベント、大きな収入変化、来年の計画など…',
      'nw.review.btn.complete':        'レビュー完了',
      'nw.review.snapshot_label':      '年次レビュー',

      'nw.review.step.profile.title':    'プロフィール・オンボーディング',
      'nw.review.step.profile.body':     '表示名・市民権・居住地・雇用・退役軍人ステータス — 変動はあったか?重大なライフイベントがあれば設定からオンボーディング再実行を。',
      'nw.review.step.family.title':     '家族構成',
      'nw.review.step.family.body':      '出生・死亡・婚姻・離婚・国籍変更・パスポート更新。家族でメンバーを追加・更新。',
      'nw.review.step.assets.title':     '資産残高',
      'nw.review.step.assets.body':      '各口座の残高を更新。新規口座開設?解約?ラッパー変更?FBAR 対象口座が正しくフラグ付けされているか?',
      'nw.review.step.beneficiaries.title': '受取人レビュー',
      'nw.review.step.beneficiaries.body':  '各年金口座 + 生命保険 + 日本銀行口座について:指定受取人は今も正しいか?離婚・婚姻・出生後は即時確認を。',
      'nw.review.step.tax.title':        '税務申告ステータス',
      'nw.review.step.tax.body':         'FEIE vs FTC は意図通りに機能?申告ステータス(single / MFJ / MFS)は今も正しい?予定納税は順調?税務担当者との関係は構築済み?',
      'nw.review.step.will.title':       '遺言・委任状',
      'nw.review.step.will.body':        '両方の遺言を読み返す(米国 + 日本セットがある場合)。実態と乖離はないか?執行者は今も適切?委任状 + 事前指示書登録済み?',
      'nw.review.step.docs.title':       'Document Vault',
      'nw.review.step.docs.body':        '期限切れ・期限間近のものは?パスポート更新?ビザ?新規追加書類(最新 1040・確定申告・FBAR 受領書等)は?',

      'nw.report.generate':            '年次レポート生成',
      'nw.report.intro':               'Taigan Bridge の全状態を 1 つの Markdown 文書にまとめます。エグゼクティブサマリー・資産一覧・税務申告コンテキスト・相続スナップショット・家族構成・アクション項目・スナップショット履歴を含み、CPA レビュー・年末アーカイブ・配偶者やアドバイザーとの共有に活用できます。',
      'nw.report.last_generated':      '最終生成',

      'nw.prefs.auto_fbar':            'FBAR データ変更時に自動スナップショット',
      'nw.prefs.auto_fbar.help':       'FBAR アップロード完了時に自動的に純資産スナップショットを取得。推奨。',
      'nw.prefs.auto_year_end':        '年末スナップショットリマインダー',
      'nw.prefs.auto_year_end.help':   '12 月後半から 1 月初旬にかけて、アクションセンターで年末スナップショットの作成を推奨表示します。',

      // Ask Taigan AI assistant
      'ask.title':                     'タイガンに聞く',
      'ask.subtitle':                  'Taigan Bridge の全状態を把握する AI アシスタント。あなたの状況に特化した質問を:今年必要な申告書、Roth 転換と 住民票 タイミングの相互作用、相続人の負担額、配偶者への §6013(g) 選択の妥当性等。各チャットでデータダイジェストを送信し、汎用ではなく根拠ある回答を提供。',
      'ask.no_key_warning':            'Claude API キーが未設定 — Ask Taigan を利用するには必要です。',
      'ask.go_to_settings':            '設定を開く',

      'ask.how_to_use':                '使い方',
      'ask.how_intro':                 'Taigan は質問のたびに全状態を読み取ります — 家族構成・口座・トラック・アクション項目・贈与履歴・遺言ステータス・予測前提などすべて把握。3 つのポイント:',
      'ask.what_knows.title':          'Taigan が把握していること',
      'ask.what_knows.body':           'トラック、家族構成(氏名・年齢・国籍)、Asset 合計と所在地、FBAR サマリー(個人情報なし)、上位アクション項目、遺言・POA の有無、7 年持ち戻し期間内の贈与記録、予測前提、居住ステータスと 10 年時計、退役軍人ステータス、適用税務フォーム。',
      'ask.what_ask.title':            '最適な質問',
      'ask.what_ask.body':             'モジュール横断の質問(「X と Y の相互作用は?」)、期限のリマインダー、シナリオ推論(「もし〜なら?」)、未経験状況のチェックリスト、あなたのコンテキストでの日本語用語の平易な説明。',
      'ask.what_cant.title':           'できないこと',
      'ask.what_cant.body':            '法律・税務・投資のアドバイス(CPA・税理士・弁護士に相談を勧めます)。代理での実行(回答のみ)。外部書類の読み取り(Document Vault の画像抽出を使用)。ダイジェストにないルールの把握。',

      'ask.suggested_label':           '推奨質問(クリックで使用):',
      'ask.conversations':             '会話履歴',
      'ask.conversations_count':       '件保存済み',
      'ask.new_conversation':          '新規',
      'ask.show_all':                  'すべて表示',
      'ask.messages':                  'メッセージ',
      'ask.confirm_delete':            'この会話を削除しますか?',
      'ask.start_chatting':            'チャット開始 — あなたのメッセージと Taigan の返信がここに表示されます。',
      'ask.input_placeholder':         'Taigan Bridge データに関して何でも質問…',
      'ask.send':                      '送信',
      'ask.send_hint':                 '⌘/Ctrl + Enter で送信。各ターンで現在の状態を再読み込みするため、アプリ内の更新は即時反映されます。',
      'ask.thinking':                  'Taigan が考えています…',
      'ask.no_key_alert':              'まず設定で Claude API キーを設定してください。',

      'ask.privacy_title':             'プライバシー・免責',
      'ask.privacy_body':              'Ask Taigan のデータ取り扱いについて:',
      'ask.privacy.point1':            'Taigan Bridge の状態はブラウザ外に出ません。ただし Taigan に質問した瞬間、状態の Markdown ダイジェスト + あなたのメッセージ + 会話履歴が「あなたの」API キーで Anthropic API に送信されます。',
      'ask.privacy.point2':            'ダイジェストは関連性と簡潔さを優先して整理されます。FBAR 口座番号・口座別の完全残高・書類本文は送信されません。(FBAR の AI サマリーヘルパーは個人情報を除外、Document Vault 本文はローカルに保持。)',
      'ask.privacy.point3':            'Anthropic のデータ取扱方針が適用されます。執筆時点では API リクエストは Anthropic モデルの訓練に使用されませんが、最新の規約は anthropic.com/legal で確認を。',
      'ask.privacy.point4':            'これは情報提供です。法律・税務・移民・投資のアドバイスではありません。金銭・法的影響のある決定には、適切な専門家(CPA・税理士・弁護士・移民専門弁護士等)に相談を。',

      // Customize panel
      'customize.title':               'セクションをカスタマイズ',
      'customize.intro':                'どのセクションを表示するか上書き設定。「自動」はオンボーディング回答に従う、「表示」は強制表示(オンボーディングで指定しなかったトピックを探索する場合に便利)、「非表示」は不要なセクションを抑制。',
      'customize.auto':                 '自動',
      'customize.shown':                '表示',
      'customize.hidden':               '非表示',
      'customize.opt.auto':             '自動',
      'customize.opt.on':               '表示',
      'customize.opt.off':              '非表示',
      'customize.reset':                '↺ すべて自動にリセット',

      // Estate / Cross-Border Succession module
      'estate.title':                  '相続・国境を越えた承継',
      'estate.subtitle':               '死亡・無能力の調整。家族構成から法定相続人を自動算出(民法 §887・§889・§890)、現行税率と配偶者控除で 相続税 を試算、Asset から受取人ギャップを抽出、Document Vault の遺言・委任状を追跡、すべてを統合した遺言補足書(Letter of Instruction)を生成。',
      'estate.badge':                  '相続',
      'estate.edit':                   '編集',
      'estate.save':                   '保存',
      'estate.cancel':                 'キャンセル',

      'estate.section.overview':       '相続準備状況',
      'estate.section.heirs':          '法定相続人',
      'estate.section.jp_tax':         '相続税試算',
      'estate.section.situs':          '資産所在地分析',
      'estate.section.beneficiaries':  '受取人レビュー',
      'estate.section.will_tracker':   '遺言・法的書類',
      'estate.section.dual_will':      'デュアル遺言戦略(米国 + 日本)',
      'estate.section.koseki':         '戸籍ルート(外国人特有)',
      'estate.section.probate_avoid':  '検認回避ツールキット',
      'estate.section.secondary':      '二次相続',
      'estate.section.loi':            '遺言補足書(Letter of Instruction)',
      'estate.section.assumptions':    '相続税の前提',
      'estate.section.resources':      '参考資料',

      'estate.overview.heirs':         '法定相続人',
      'estate.overview.heirs_hint':    '家族構成から自動算出',
      'estate.overview.no_heirs_hint': '家族メンバー追加で算出',
      'estate.overview.will':          '遺言ステータス',
      'estate.overview.dual_wills':    '米国 + 日本両方',
      'estate.overview.partial_wills': '部分的・単一',
      'estate.overview.no_will':       '未登録',
      'estate.overview.ben_gaps':      '受取人ギャップ',
      'estate.overview.ben_gaps_hint': '要確認口座数',
      'estate.overview.ben_gaps_clean': 'すべて確認済み',
      'estate.overview.jp_tax':        '相続税試算',
      'estate.overview.below_threshold': '課税閾値以下',

      'estate.checklist.heirs':         '法定相続人を特定(家族構成入力済み)',
      'estate.checklist.will':          'Document Vault に遺言が 1 件以上',
      'estate.checklist.dual_will':     '米国 + 日本両方の遺言を Vault に登録',
      'estate.checklist.poa':           '委任状(POA)登録済み',
      'estate.checklist.advance':       '事前指示書登録済み',
      'estate.checklist.beneficiaries': '全口座の受取人レビュー済み',
      'estate.checklist.loi':           '遺言補足書を生成済み',

      'estate.heirs.intro':            '家族構成から民法 §887・§889・§890 に基づき自動算出します。優先順位:(1)第 1 順位は子・孫(代襲相続)、(2)第 2 順位は親(子がいない場合)、(3)第 3 順位は兄弟姉妹(子・親がいない場合)。配偶者は常に相続人となります。法定相続分は、配偶者+子は各 1/2、配偶者+親は 2/3 + 1/3、配偶者+兄弟姉妹は 3/4 + 1/4 です。',
      'estate.heirs.no_heirs_label':   '法定相続人未特定',
      'estate.heirs.no_heirs_body':    '法定相続人がいない場合、遺産は国庫帰属となります(遺言での指定がない限り)。家族メンバーを少なくとも一人追加して相続計算を有効化するか、遺言と指定受取人だけで対応してください。',
      'estate.heirs.add_family_link':  '家族モジュールでメンバーを追加 →',
      'estate.heirs.priority_class':   '配偶者と並ぶ優先順位',
      'estate.heirs.rank.descendants': '第1順位(子・孫)',
      'estate.heirs.rank.ascendants':  '第2順位(親・祖父母)',
      'estate.heirs.rank.siblings':    '第3順位(兄弟姉妹)',
      'estate.heirs.rank.spouse_only': '配偶者のみ(他に該当者なし)',
      'estate.heirs.role.spouse':      '配偶者',
      'estate.heirs.role.child':       '子',
      'estate.heirs.role.parent':      '親',
      'estate.heirs.role.sibling':     '兄弟姉妹',
      'estate.heirs.code_ref':         '民法 §887(子)・§889(直系尊属・兄弟姉妹)・§890(配偶者)・§900(法定相続分)。',

      'estate.jp_tax.intro':           '現行税率・資産所在地・配偶者控除を用いたリアルタイム試算です。あくまで試算であり、実際の申告は死亡から 10 ヶ月以内に税理士へご相談ください。',
      'estate.jp_tax.pr_active':       '永住者ステータス({{years}}年居住) — 全世界資産が相続税対象(日本所在地のみではない)。',
      'estate.jp_tax.pre_pr':          '非永住者ステータス({{years}}年居住、永住者まで {{remaining}} 年)。現在は日本所在地資産のみ課税対象。',
      'estate.jp_tax.gross':           '相続財産総額(対象範囲)',
      'estate.jp_tax.shotaku':         '小規模宅地等の特例(居住用宅地 80% 減)',
      'estate.jp_tax.clawback':        '7 年持ち戻し(相続人への贈与加算)',
      'estate.jp_tax.base_deduction':  '基礎控除(¥3,000 万 + ¥600 万 × 法定相続人数)',
      'estate.jp_tax.taxable_estate':  '課税相続財産',
      'estate.jp_tax.total_tax':       '相続税総額(配偶者控除前)',
      'estate.jp_tax.spouse_credit':   '配偶者控除',
      'estate.jp_tax.net':             '純相続税額',
      'estate.jp_tax.per_heir_label':  '相続人別内訳',

      'estate.situs.intro':            'Asset 一覧を所在地別に分類。相続税対象範囲:日本所在地は常に対象、永住者(6 年目以降)は全世界。',
      'estate.situs.jp':               '日本所在地',
      'estate.situs.us':               '米国所在地',
      'estate.situs.total':            '合計',
      'estate.situs.jp_taxable':       '相続税対象',
      'estate.situs.per_account_label': '口座別内訳',

      'estate.beneficiaries.intro':    '口座別受取人追跡。Asset レコードの受取人欄を取り込み、ここで主・次受取人 + 最終確認日を追加管理。よくあるギャップ:401(k)・TSP の次受取人未指定、IRA を「estate」に放置、日本の銀行で受取人未設定。',
      'estate.beneficiaries.empty':    'Asset 一覧に口座なし。Asset で口座を追加すると受取人追跡が有効化されます。',
      'estate.beneficiaries.gap.none':    '○ 受取人未設定',
      'estate.beneficiaries.gap.never':   '○ 未確認',
      'estate.beneficiaries.gap.stale':   '⚠ 確認が古い(2 年超)',
      'estate.beneficiaries.primary':     '主受取人',
      'estate.beneficiaries.contingent':  '次受取人',
      'estate.beneficiaries.last_reviewed': '最終確認日',
      'estate.beneficiaries.notes':       'メモ',
      'estate.beneficiaries.edit':        '確認',
      'estate.modal.beneficiary':         '受取人',

      'estate.will_tracker.intro':       'Document Vault と相互参照します。一致する書類タイプが Vault にある場合、ここに ✓ が表示されます。米国遺言と日本遺言の判別は、タイトル・メモの「US/American/英文」と「公正証書/JP/Japanese/和文」で行いますので、遺言にはこのようにタグ付けしてください。',
      'estate.will_tracker.docs_in_vault': '件 Vault 登録',
      'estate.will_tracker.us_will':     '米国遺言(米国所在地資産対象)',
      'estate.will_tracker.jp_will':     '日本遺言(公正証書遺言推奨;日本所在地資産対象)',
      'estate.will_tracker.poa':         '委任状(POA)',
      'estate.will_tracker.advance':     '事前指示書',
      'estate.will_tracker.trust':       '信託書類',
      'estate.will_tracker.ben_designation': '受取人指定書',
      'estate.will_tracker.view_vault':  'Vault で表示',
      'estate.will_tracker.add_to_vault': 'Vault に追加',
      'estate.will_tracker.single_will_warning': 'Vault に遺言があるが、米国・日本いずれにもタグ付けされていない。タイトルに「米国遺言」または「公正証書遺言」等を付けて区別を — 単一の国際遺言は両方の管轄で検認失敗の可能性。',

      'estate.dual_will.intro':         '日本居住の米国人の多くは、単一の国際遺言より調整された 2 通の遺言が機能します。各遺言は自国の資産を対象とし、調整条項で取消の競合を防ぎます。',
      'estate.dual_will.us_will_title': '米国遺言',
      'estate.dual_will.us_will_body':  '米国所在地資産(米国証券・米国不動産・米国銀行口座・年金口座)を対象。',
      'estate.dual_will.us_bullet1':    '✓ 米国の遺産計画弁護士が起草',
      'estate.dual_will.us_bullet2':    '✓ 州法に基づく公証 + 証人(または自己証明宣誓書)',
      'estate.dual_will.us_bullet3':    '✓ 被相続人の住所地州の裁判所で検認',
      'estate.dual_will.us_bullet4':    '✓ 米国居住の遺言執行者を指名(海外執行者の複雑回避)',
      'estate.dual_will.jp_will_title': '日本遺言(公正証書遺言)',
      'estate.dual_will.jp_will_body':  '日本所在地資産(日本銀行口座・日本不動産・日本証券・円建保険)を対象。',
      'estate.dual_will.jp_bullet1':    '✓ 公証役場で公証人が作成',
      'estate.dual_will.jp_bullet2':    '✓ 証人 2 名(相続人以外)が立会必要',
      'estate.dual_will.jp_bullet3':    '✓ 家庭裁判所の検認手続き不要 — 銀行・登記所が直接受理',
      'estate.dual_will.jp_bullet4':    '✓ 日本居住の執行者を指名',
      'estate.dual_will.no_conflict':   '各遺言には「他管轄資産には及ばない・互いに取消しない」旨の条項を必ず含めること。これがないと、後の遺言が前の遺言を誤って取消す可能性。',

      'estate.koseki.intro':            '外国人は戸籍に登録されません。そのため、外国人の被相続人または外国人の相続人が含まれる日本の相続処理では大きな複雑さが生じます。回避策を知っておくことで数ヶ月単位の時間を節約できます。',
      'estate.koseki.point1':           '戸籍 は通常、相続人の自動証明(法定相続情報一覧図)を提供。これがない場合、銀行や法務局は代替証明を要求:外国人の出身国からの公証済み出生・婚姻・死亡証明書、しばしばアポスティーユ + 翻訳付。',
      'estate.koseki.point2':           '法定相続情報一覧図:戸籍 がない場合でも、法務局でこの統合された相続人証明書を申請可能。一度発行すればどこでも受理 — 各銀行で外国書類の山をコピーする手間を省ける。',
      'estate.koseki.point3':           '外国人被相続人の相続:死亡証明書を早期確保(複数の認証コピー、発行国によるアポスティーユ、日本語認定翻訳)。',
      'estate.koseki.point4':           '婚姻証明書:外国での婚姻は日本の 戸籍 に記録されないことがある — 配偶者の権利主張時は原本 + 認定翻訳を持参。',
      'estate.koseki.point5':           'ヒント:可能な限り、生前に 法定相続情報一覧図 申請の準備を開始 — 親の出生証明書・婚姻証明書等を Document Vault に整理しておくこと。',

      'estate.probate_avoid.intro':     '遺言・検認手続きの「外」で資産を相続人に渡すツール。米国ツールは日本に持ち込むのが難しく、日本の 家族信託 は新しいが日本所在地資産に強力。',
      'estate.probate_avoid.tod_body':  'Transfer-on-Death / Pay-on-Death 指定。米国証券会社・多くの米国銀行で標準 — 死亡時に指定受取人へ直接渡る、検認不要。日本の機関はほぼ TOD/POD を認めない。米国所在地口座には強力かつ無料、日本所在地には利用不可。',
      'estate.probate_avoid.jtwros_body': '生存者権付共同保有(JTWROS)。生存している共同所有者が法律上自動的に資産を取得。米国証券会社で一般的。日本の銀行は JTWROS を提供しないことが多く、日本の共同口座は稀で生存者権を持たない。米国所在地のみ。',
      'estate.probate_avoid.trust_body': '米国の生前信託(リボーカブル・トラスト)。米国の検認を完全回避 — 信託は死亡を超えて存続し、条項に従い分配。日本の裁判所には同等のものがなく、日本所在地資産に対する外国信託を認めないことがある — 米国信託で日本の不動産を保有するのは一般に悪手。',
      'estate.probate_avoid.kazoku_body': '日本の 家族信託。新しい日本の革新 — 日本所在地資産を受託者(多くは家族)に移転し、信託条項に従い管理・分配。認知症の高齢親シナリオ + 国境を越える家族に非常に有用。家族信託 経験のある司法書士・弁護士に依頼。',
      'estate.probate_avoid.bd_body':   '年金口座の受取人指定(401(k)・IRA・TSP・生命保険)。これらは遺言を「上書き」 — 受取人指定書の記載が優先。最も見落とされる計画ステップ:前婚・子供誕生前の古い受取人指定が実際の災害を引き起こす。',

      'estate.secondary.intro':         '二次相続 = 配偶者が後に死亡し、子が相続する 2 回目の相続。配偶者を保護した 配偶者控除 は二次相続には「ない」。',
      'estate.secondary.warning_label': '多くの日本の相続計画が見落とす隠れた税の爆弾',
      'estate.secondary.warning_body':  '¥1.6 億の 配偶者控除 を活用するため全資産を生存配偶者に残すのが一般的 — 一次相続では税ゼロ。しかし配偶者が後に死亡すると、その全資産が配偶者控除なしで子へ流れ、しばしばより高い税率帯に。2 段階の合計税は、一次相続で配偶者と子に分けた場合より大きくなり得る。',
      'estate.secondary.tip1':          '両方を計算:配偶者全額 vs 一次相続で配偶者+子に分割。後者が前払い税は多いが、2 段階合計では通常勝つ。',
      'estate.secondary.tip2':          '生存配偶者から子への 暦年贈与 を残りの生涯に活用 — 二次相続財産を圧縮。',
      'estate.secondary.tip3':          '小規模宅地等の特例 のタイミング:相続人が居住継続する場合、一次相続で居住用不動産は 80% 減額。配偶者が継ぐべきか子が継ぐべきか計画を。',
      'estate.secondary.tip4':          'ライフステージのタイミング:生存配偶者が高齢の場合、二次相続が 7 年以内に来る可能性 — その場合、遅すぎる 暦年贈与 は持ち戻しで効果が消える。',

      'estate.loi.intro':               '遺言補足書は、相続人・口座・受取人・贈与・遺言保管場所・葬儀希望・遺族向け 30 日チェックリストを 1 つの Markdown 文書に統合します。生成して印刷し、遺言と一緒に保管してください。遺言そのものではなく、遺族向けの情報指針としてお使いください。',
      'estate.loi.last_generated':      '最終生成',
      'estate.loi.never_generated':     '未生成。「生成」をクリックすると、すべてのモジュールから現在の状態を反映した Markdown ファイルがダウンロードされます。',
      'estate.loi.generate':            '生成・ダウンロード',
      'estate.modal.loi':               '遺言補足書を編集',
      'estate.modal.loi_help':          '自動生成セクション(相続人・口座・受取人等)が推測できない部分を、ここで自由記述。',
      'estate.loi.funeral':             '葬儀・埋葬の希望',
      'estate.loi.funeral.help':        '埋葬と火葬、宗教的希望、場所、音楽、招待者、避けるべきことなどを記載します。できるだけ具体的に書いてください。遺族は書面の希望を尊重します。',
      'estate.loi.pets':                'ペットの世話指示',
      'estate.loi.digital':             'デジタルアカウント',
      'estate.loi.digital.help':        'パスワードマネージャーの場所。遺族のメール・写真・SNS アクセス方法。アカウントを削除するか追悼アカウントにするか。',
      'estate.loi.contacts':            '重要な連絡先',
      'estate.loi.contacts.add':        '連絡先追加',
      'estate.loi.contacts.name':       '氏名',
      'estate.loi.contacts.role':       '役割',
      'estate.loi.contacts.contact':    '連絡先(電話・メール)',
      'estate.loi.contacts.relationship': '続柄',
      'estate.loi.additional':          '追加メモ',

      'estate.assumptions.intro':       '自動検出では見えない部分(小規模宅地特例の適用有無、事業承継、Asset 未登録の資産など)を手動で上書きします。',
      'estate.assumptions.edit':        '前提を編集',
      'estate.modal.assumptions':       '相続税の前提を編集',
      'estate.assumptions.shotaku':     '小規模宅地等の特例 適用',
      'estate.assumptions.shotaku.help': '相続人が日本の居住用不動産に居住継続(330㎡まで 80% 評価減)。',
      'estate.assumptions.kominka':     '古民家・地方家業土地保有',
      'estate.assumptions.kominka.help': '家業承継経由で相続することが多い;評価ルールが異なる;専門家相談推奨。',
      'estate.assumptions.business':    '事業承継 予定',
      'estate.assumptions.business.help': '同族会社持分等;事業承継税制 で適格移転は最大 100% 相続税繰延の可能性。',
      'estate.assumptions.other_jp':    'Asset 未登録の日本所在地資産(¥)',
      'estate.assumptions.other_jp.help': '不動産・事業・保険給付等で Asset 未登録のもの。日本所在地合計に加算。',
      'estate.assumptions.other_us':    'Asset 未登録の米国所在地資産($)',
      'estate.assumptions.other_us.help': '不動産・事業・保険給付等で Asset 未登録のもの。米国所在地合計に加算。',

      'estate.resources.nta_inheritance.title': '国税庁:相続税・贈与税',
      'estate.resources.nta_inheritance.body':  '国税庁の英語版 相続税 + 贈与税 概要。税率・控除・特例。',
      'estate.resources.koseki_info.title':     '法務省:戸籍・法定相続情報一覧図',
      'estate.resources.koseki_info.body':      '戸籍 と法務局で発行される相続人証明書に関する法務省案内。',
      'estate.resources.ssa_survivors.title':   '米国社会保障局:遺族給付',
      'estate.resources.ssa_survivors.body':    '米国就労者の生存配偶者・子に支給される米国社会保障給付。租税条約により海外でも受給可能。',
      'estate.resources.us_treaty.title':       'IRS:日米租税条約',
      'estate.resources.us_treaty.body':        '日米相続・贈与税条約文書。米国相続税 + 日本相続税 が同時にかかる稀な大規模相続ケースに有用。',

      // Family module
      'family.title':                  '家族',
      'family.subtitle':               '日本人配偶者・二重国籍の子・日本居住の家族向け。国籍選択(18 歳未満で取得なら 20 歳まで)・パスポート更新・教育費(529 vs 学資保険 PFIC トラップ)・相続前の生前贈与(暦年贈与+教育資金一括贈与)・米国市民権放棄計画を扱います。',
      'family.badge':                  '家族',
      'family.edit':                   '編集',
      'family.save':                   '保存',
      'family.cancel':                 'キャンセル',
      'family.delete':                 '削除',

      'family.section.roster':         '家族構成',
      'family.section.nationality_choice': '国籍選択',
      'family.section.transmission':   '次世代への米国市民権継承',
      'family.section.passports':      'パスポート更新追跡',
      'family.section.edu_savings':    '教育費貯蓄戦略',
      'family.section.pre_positioning': '相続前の生前贈与(贈与制度)',
      'family.section.gift_log':       '贈与記録',
      'family.section.renunciation':   '米国市民権放棄',
      'family.section.resources':      '参考資料',

      'family.member.add':             'メンバー追加',
      'family.gift.add':               '贈与記録',
      'family.confirm.delete':         'この家族メンバーを削除しますか?',
      'family.confirm.delete_gift':    'この贈与記録を削除しますか?',

      'family.modal.add_member':       '家族メンバー追加',
      'family.modal.edit_member':      '家族メンバー編集',
      'family.modal.add_gift':         '贈与を記録',
      'family.modal.edit_gift':        '贈与記録を編集',
      'family.modal.renunciation':     '市民権放棄計画',

      'family.field.relationship':     '続柄',
      'family.field.name_en':          '氏名(英語)',
      'family.field.name_jp':          '氏名(日本語)',
      'family.field.birth_date':       '生年月日',
      'family.field.citizenships':     '国籍',
      'family.field.citizenships.other': 'その他',
      'family.field.citizenships.help': '該当するすべて選択。国籍選択期限(米国・日本)と PFIC 分析の根拠。',
      'family.field.jp_resident':      '現在日本居住',
      'family.field.ssn_or_itin':      '米国納税者番号',
      'family.field.ssn_or_itin.none': 'なし(米国非関係者)',
      'family.field.ssn_or_itin.help': 'SSN は米国市民・LPR 用。ITIN は SSN なしで米国申告に扶養として記載される場合。米国非関係者は「なし」。',
      'family.field.passport':         'パスポート',
      'family.field.passport_last4':   'パスポート番号(下 4 桁)',
      'family.field.passport_expires': '有効期限',
      'family.passport.import.btn':       'パスポートの写真・PDF から読み取り',
      'family.passport.import.processing': 'Claude vision でパスポートを読み取り中…',
      'family.passport.import.done':      '✨ {{n}} 項目を補完しました · ${{cost}}',
      'family.passport.import.nothing':   '有効期限・番号を読み取れませんでした。手入力してください',
      'family.field.nationality_choice': '国籍選択ステータス',
      'family.field.nationality_choice.pending': '未選択',
      'family.field.nationality_choice.us':  '米国を選択(国籍喪失届を日本に提出済み)',
      'family.field.nationality_choice.jp':  '日本を選択(日本国籍選択届提出済み — 米国は領事館での放棄手続き必要)',
      'family.field.nationality_choice.both': '両方保持(未届)',
      'family.field.nationality_choice.help': '2022 年改正以降、18 歳未満で取得した場合は 20 歳までに、18 歳以降に取得した場合は取得から 2 年以内に選択します。実態としては多くの二重国籍者が両方を黙って保持しており、日本側の取り締まりはほぼ行われていません。',
      'family.field.notes':            'メモ',

      'family.hint.label':             'オンボーディングからの情報:',
      'family.hint.us_spouse':         '米国市民の配偶者 — 家族メンバーとして追加してパスポート・SSN を追跡。',
      'family.hint.jp_spouse':         '日本人の配偶者 — ITIN 状況と MFJ vs MFS 選択(税務コーディネーター参照)を追跡。',
      'family.hint.third_spouse':      '他国籍の配偶者 — パスポート更新と申告ステータスを追跡。',
      'family.hint.us_children':       '米国籍の子 — パスポート・SSN・将来の市民権継承ルールを追跡。',
      'family.hint.jp_children':       '日本国籍の子 — パスポート更新を追跡。',
      'family.hint.dual_children':     '二重国籍の子 — 国籍選択(18 歳未満で取得なら 20 歳)期限を表示。',

      'family.roster.empty':           '家族メンバー未登録。「メンバー追加」から開始してください。',

      'family.nationality_choice.intro': '日本国籍法第 14 条(2022 年改正):18 歳未満で複数の国籍を取得した場合は 20 歳までに、18 歳以降に取得した場合は取得から 2 年以内に、いずれか一つを選択します。ただしこれは罰則のない努力義務であり、期限を過ぎても罰金や国籍の自動喪失はありません。日本国籍を失うのは、法務大臣による書面の催告に 1 か月以内に応じなかった場合のみで、この催告はこれまで一度も発出されていません。多くの二重国籍者はそのまま両方を保持しています。日本国籍選択届の提出は米国籍の放棄を意味しません(米国側での別の手続きが必要で、第 16 条は他国籍の離脱に「努める」ことを求めるにとどまります)。なお、出生による二重国籍には適用されませんが、日本国民が自らの意思で外国籍を取得した場合は第 11 条により日本国籍を自動的に失う点は区別してください。正式な状況は戸籍謄本で確認でき(選択届が提出されていれば記載されます)、行政書士や法務局でも確認できます。',
      'family.nationality_choice.deadline': '20 歳の誕生日',
      'family.nationality_choice.action': '選択届は記録にありません。これは罰則のない努力義務で、期限を過ぎても自動的に国籍を失うことはありません。日本国籍を選ぶ場合は、市役所・区役所で日本国籍選択届を提出します。正式な記録は戸籍謄本で確認できます。',
      'family.nationality_choice.made_us':  '米国を選択 — 日本国籍離脱',
      'family.nationality_choice.made_jp':  '日本を選択 — 米国は領事館での放棄手続きが別途必要',
      'family.nationality_choice.made_both': '両方保持(未届)',
      'family.nationality_choice.note_us':  '届出完了。国籍喪失届により日本国籍離脱。今後の日本居住にはビザが必要。',
      'family.nationality_choice.note_jp':  '日本国籍維持。⚠ 米国は自動通知されないため、子は米国市民として 1040・FBAR 等の申告義務が継続。米領事館での正式放棄まで義務継続 — この状態の人は米国側義務を忘れがち。',
      'family.nationality_choice.note_both': '未届。第 14 条違反だが取締りはほぼなし。日本パスポート更新時の他国籍質問に「なし」と答えると問題になり得る。',
      'family.nationality_choice.overdue': '期限経過(罰則なし)',

      'family.transmission.intro':     '将来あなたの米国籍の子が米国外で非米国籍の配偶者と子(あなたの孫)を持つ場合、孫への米国市民権継承は自動ではありません。',
      'family.transmission.rule_label': '物理的存在要件(INA §301(g))',
      'family.transmission.rule_body':  '米国外で米国籍親一名 + 非米国籍親一名の間に生まれた子の場合、米国籍親が出生前に米国に通算 5 年以上存在(うち 14 歳以降 2 年以上)していなければ、その子は出生時に米国市民権を取得しません。',
      'family.transmission.step1':     '子の十代の時期に米国滞在を計画(米国の高校・夏休み旅行・米国の大学)— 将来海外で子を持った際の 14 歳以降 2 年要件を満たす準備。',
      'family.transmission.step2':     '物理的存在を文書化 — パスポートのスタンプ・在学記録・雇用記録。',
      'family.transmission.step3':     'CRBA(海外出生証明)が海外生まれの孫の公式書類 — 子は出生後 1 年以内に米領事館で提出。',
      'family.transmission.step4':     '出生時に資格を満たさない孫の代替策:INA §322 により、米国籍祖父母が 5 年要件を満たしていれば、子が 18 歳までに親が米国籍を申請可能。',

      'family.passports.intro':        '家族全員の米国 + 日本パスポートを管理します。多くの国は残存有効期間が 6 ヶ月未満だと入国を拒否するため、期限の 9〜12 ヶ月前には更新の計画を立てておきましょう。',
      'family.passports.empty':        'パスポート未登録。家族メンバー編集時にパスポート情報を追加してください。',
      'family.passports.expired':      '期限切れ',

      'family.edu_savings.intro':      '日本居住家庭向けの主要 4 教育貯蓄手段の比較。落とし穴は 2 つ:学資保険は米国人親にとって PFIC、そして 529 は日本の大学のほとんど(FSA 対象外)で適格扱いとならない。',
      'family.edu_savings.pfic_warning_label': '学資保険は米国人親にとって PFIC',
      'family.edu_savings.pfic_warning_body':  '日本の保険代理店が駐在家族に積極的に売り込みますが、米国人親には壊滅的。内部の運用商品は日本籍投資信託 — 純粋な PFIC。デフォルト課税 + 毎年 Form 8621 + 取得時からの利子課税。非米国人の祖父母が契約・後年米国人孫に給付しても PFIC 問題は継続。',
      'family.edu_savings.jp_529_warning_label': '529 プランは日本の大学のほとんどで使えない',
      'family.edu_savings.jp_529_warning_body':  '529 の非課税給付は「適格教育機関」(米国教育省 FSA データベースに連邦学校コードを持つ学校)での「適格高等教育費」のみ。東京大・京都大・早稲田・慶應・上智など主要日本大学は対象外。対象外校で 529 を使用 = 非適格給付。罰則は利益部分のみに適用(元本は税引後の拠出のため非課税・無罰則で返戻):利益部分に 10% 連邦罰則税 + 通常所得税 + 州の還付の可能性。運用期間が長いほど影響大。日本で対象となる学校は少数(テンプル日本校・レイクランド日本校など)。子が日本の典型的な大学に進学予定なら、親名義の米国籍課税口座が無難。529 は子が米国留学するか、米国居住の親族に受益者を変更するか、最大 $35K まで受益者の Roth IRA にロールオーバー(SECURE 2.0)すれば有効。',
      'family.edu_savings.jp_529_lookup': 'FSA 対象校を検索(studentaid.gov)',

      'family.pre_positioning.intro':  '日本の相続税は世界最高水準(最大 55%)。生前の子・孫への贈与は最終的な相続税負担を大幅に削減。各制度に独自の上限・要件・落とし穴があります。',
      'family.pre_positioning.sunset': '適用期限',
      'family.pre_positioning.clawback_label': '7 年持ち戻し(2024 年改正)',
      'family.pre_positioning.clawback_body':  '暦年贈与は贈与者死亡前 7 年以内のものが相続財産に持ち戻し対象(2024 年以前は 3 年)。高齢者の駆け込み贈与の効果が大幅減 — 戦略は 10 年以上前から開始すべき。一括贈与制度(教育資金一括贈与・結婚・子育て)は持ち戻し対象外。',

      'family.gift_log.intro':         '年次贈与記録。暦年贈与の追跡(受取人ごとに ¥110 万まで)と 7 年持ち戻し計算の根拠資料として使用。',
      'family.gift_log.empty':         '贈与記録なし。「贈与記録」から年次記録を開始してください。',
      'family.gift.year':              '年',
      'family.gift.recipient':         '受取人',
      'family.gift.vehicle':           '贈与制度',
      'family.gift.amount':            '金額(円)',
      'family.gift.unknown_recipient': '(不明な受取人)',

      'family.renunciation.intro':     '米国市民権放棄は不可逆で、対象拡大者には出国税が発生。このカードで意思決定の根拠を記録 + 対象拡大者分析を実行。専門家相談の代替ではありません。',
      'family.renunciation.not_contemplating': '現在検討中ではない。該当する場合は編集から追跡開始。',
      'family.renunciation.contemplating': '放棄を検討中',
      'family.renunciation.target_year': '目標年',
      'family.renunciation.estimated_net_worth': '推定純資産(米ドル)',
      'family.renunciation.estimated_net_worth.help': 'すべて含む:不動産・年金・証券・事業持分・現金。$200 万以上 = 対象拡大者。',
      'family.renunciation.estimated_avg_tax': '過去 5 年の米国所得税平均(米ドル)',
      'family.renunciation.estimated_avg_tax.help': '過去 5 年の連邦所得税(税額控除後)の平均。$201,000(2024 年)以上 = 対象拡大者。',
      'family.renunciation.consultation_complete': '専門家相談完了',
      'family.renunciation.is_covered':     '対象拡大者の可能性 — 出国税が適用',
      'family.renunciation.not_covered':    '対象拡大者の閾値以下',
      'family.renunciation.test.net_worth': '純資産閾値',
      'family.renunciation.test.avg_tax':   '5 年平均米国税閾値',
      'family.renunciation.test.compliance': '5 年税務コンプライアンス証明(Form 8854)',
      'family.renunciation.test.compliance.value': '手動確認',
      'family.renunciation.target_year':    '目標年',
      'family.renunciation.consultation_done': '専門家相談完了済み。',
      'family.renunciation.consultation_pending': 'DS-4079 提出前に放棄専門家との相談を予約してください。不可逆性 + 出国税の相互作用は専門家のレビューが必要。',
      'family.renunciation.process.fee':         'DOS 手数料:$450(2026 年 4 月 13 日施行 — Federal Register 文書 2026-04931、2026 年 3 月 13 日公示の最終規則)。2014 年 9 月以降の $2,350 から減額。在日米国大使館の手数料ページでも確認可能。⚠ 遡及還付なし:国務省は 2026 年 4 月 13 日以前に $2,350 を支払った者への還付を明確に拒否、手数料免除や低所得減額もなし。手数料は免除不可・返金不可、面談日に支払、CLN 申請が後日却下されても返金なし。',
      'family.renunciation.process.consulate':   '手続き:米大使館・領事館での対面面談 1 回以上。書類:DS-4079(質問票)+ DS-4080(放棄宣誓書)+ DS-4081(理解事項陳述)。待ち時間はポスト次第 — 数週間から数ヶ月。東京と大規模領事館(大阪・神戸、那覇)は小規模ポストより通常長い。混雑期に放棄予約を一時停止するポストもあり、領事館に直接確認を。',
      'family.renunciation.process.cln':         '発行:国籍喪失証明書(CLN, Form DS-4083)はワシントン D.C. の国務省が承認 — 宣誓を行った領事官ではない。宣誓から CLN まで通常数ヶ月。放棄意思に疑念ある場合は稀に却下。⚠ CLN 発行までは米国市民として税務上扱われるが、§877A 出国税の出国「日」は宣誓日であり CLN 発行日ではない。',
      'family.renunciation.process.exit_tax':    '出国税(対象拡大者のみ):放棄前日に全資産を時価評価。§877A 控除額(2025 年約 $89 万、年次調整)超過分はすべて売却したものとして課税。一部資産は担保提供 + 利息で繰延可能。Form 8854 + 最終 dual-status 1040 は出国年翌年の 4 月 15 日期限。',
      'family.renunciation.process.irrevocable': '不可逆。理論上の再帰化は可能(法定の禁止なし)だが通常の移民手続きをゼロから:ビザ・グリーンカード・5 年待機・英語/公民試験。Reed 修正条項により節税目的の放棄者は再入国拒否の可能性も(滅多に適用されないが)。「これは恒久的」と計画を。',
      'family.renunciation.process.children':    '18 歳未満の子は通常放棄不可 — 国務省は意思能力なしと推定。対象拡大者の放棄後の米国人相続人(贈与・相続を受ける者)への贈与・相続には IRC §2801 の 40% 税が「受取人」に課される(贈与者ではない)。米国市民の子に資産を遺贈する予定がある場合、これが出国税より大きな負担となり得る。',

      'family.resources.moj.title':    '法務省:国籍',
      'family.resources.moj.body':     '日本の二重国籍と国籍選択手続きに関する法務省公式案内。',
      'family.resources.state_renunciation.title': '米国国務省:海外での米国市民権放棄',
      'family.resources.state_renunciation.body':  '米国国務省公式ページ:CLN 手続き・法的根拠・領事館要件。',
      'family.resources.embassy_japan.title':      '在日米国大使館:米国市民権の喪失',
      'family.resources.embassy_japan.body':       '東京大使館ページ:現行 $450 手数料・対面面談要件・在日全米外交ポスト(東京+大阪・神戸+那覇+札幌+福岡+名古屋)での放棄予約手続き連絡先。',
      'family.resources.irs_expatriation.title': 'IRS:出国税',
      'family.resources.irs_expatriation.body':  'Form 8854・§877A 出国時時価評価税・対象拡大者の定義・放棄後税務ルール。',
      'family.resources.nta_gift.title': '国税庁:相続税・贈与税',
      'family.resources.nta_gift.body':  '国税庁の英語版概要 — 暦年贈与と一括贈与非課税制度を含む贈与税ルール。',

      // Tax Filing Coordinator module
      'tax.title':                     '税務申告コーディネーター',
      'tax.subtitle':                  '米国 + 日本の税務申告カレンダーを年間通じて表示。Asset・FBAR データとオンボーディング回答から、必要な申告書(1040, 2555/1116, FBAR, 8938, 8621, 確定申告)を自動判定。',
      'tax.badge':                     '税務',
      'tax.edit':                      '編集',
      'tax.save':                      '保存',
      'tax.cancel':                    'キャンセル',
      'tax.import.w2.btn':             'W-2 から読み取り',
      'tax.import.w2.title':           'W-2 の読み取り結果',
      'tax.import.gensen.btn':         '源泉徴収票から読み取り',
      'tax.import.gensen.title':       '源泉徴収票の読み取り結果',
      'tax.import.help':               'W-2 または年末の源泉徴収票をドロップしてください。Claude が給与・源泉徴収・支払者情報を読み取ります。抽出された値は下に表示され、原本は Document Vault に保存できます。',
      'tax.import.processing':         'Claude vision で書類を読み取り中…',
      'tax.import.done':               '✓ 抽出完了 · ${{cost}}',
      'tax.import.saveToVault':        'この書類を Document Vault に保存',
      'tax.import.savedToVault':       'Document Vault に保存しました',
      'tax.import.vaultError':         'Document Vault への保存に失敗しました',

      'tax.section.calendar':          '年間カレンダー',
      'tax.section.assessment':        '必要申告書の判定',
      'tax.section.feie_vs_ftc':       'FEIE vs FTC — どちらを選ぶか',
      'tax.section.pfic':              'PFIC 警告(Form 8621)',
      'tax.section.spouse':            '配偶者戦略(MFJ vs MFS)',
      'tax.section.docs':              '書類収集チェックリスト',
      'tax.section.preparer':          '税務担当者',
      'tax.section.overrides':         '手動オーバーライド',
      'tax.section.resources':         '参考資料',

      'tax.calendar.intro':            '今後 12 ヶ月の米国 + 日本の申告期限。赤 = 14 日以内、橙 = 45 日以内、青 = 先のスケジュール、グレー = 参考情報。',
      'tax.calendar.empty':            '期限を計算できません。オンボーディングを完了して、適用される申告書を判定してください。',
      'tax.calendar.spouseTag':        '配偶者対応',
      'tax.calendar.spouseGroup.summary': '+ 配偶者が対応する日本側の期限 {{n}} 件(クリックで展開)',
      'tax.assessment.spouseGroup.summary': '+ 配偶者が対応する申告書 {{n}} 件(クリックで展開)',
      'tax.docs.spouseGroup.summary':       '+ 配偶者が用意する書類 {{n}} 件(クリックで展開)',

      // 日本側申告担当ピッカー(カレンダーカード内に表示)
      'tax.jpresp.title':              '日本側の個人申告は誰が担当?',
      'tax.jpresp.intro':              '確定申告・住民税・ふるさと納税の担当を選択。SOFA 契約者は SOFA 第14条第7項により所得税が免除され、SOFA 世帯では家計内で申告責任を分担するケースが一般的(配偶者がご自身の確定申告を行い、SOFA 保持者は住民票に登録されない)。',
      'tax.jpresp.sofaNote':           'SOFA + 配偶者を検出:典型的なパターンは「配偶者対応」 — SOFA 起因の所得は SOFA 第14条第7項により日本所得税が免除され、住民票にも登録されません(第9条第2項)。配偶者は申告対象所得があれば自身の確定申告を行います。',
      'tax.jpresp.opt.auto':           '自動判定(現在:{{d}})',
      'tax.jpresp.opt.self':           '自分で日本側申告を行う',
      'tax.jpresp.opt.spouse':         '配偶者・家族が日本側を担当',
      'tax.jpresp.opt.na':             '日本側申告義務なし(SOFA / US のみ)',
      'tax.jpresp.derived.self':       '自分で対応',
      'tax.jpresp.derived.spouse':     '配偶者対応',
      'tax.jpresp.derived.na':         '対象外',

      'tax.docs.spouseHeading':        '配偶者・家族メンバー用書類',
      'tax.docs.spouseIntro':          '世帯内の他のメンバーが担当する日本側申告のために集める書類です。世帯チェックリストとしてここにまとめて掲載 — 上のリストはご自身が個人的に集める書類です。',
      'tax.assessment.intro':          '各申告書について、適用の有無と理由を表示します。クリックで基準額・期限・必要書類を展開。',
      'tax.filing_status.label':       '申告ステータス',
      'tax.filing_status.auto':        '自動(家族構成から判定)',

      'tax.feie_vs_ftc.intro':         '日本居住の米国人は、海外勤労所得控除(FEIE, Form 2555)または外国税額控除(FTC, Form 1116)を選択できます。日本居住者の多くは FTC が有利。',
      'tax.feie_vs_ftc.your_choice':   'あなたの選択',
      'tax.feie_vs_ftc.rule_of_thumb': '目安:日本の実効税率 ≥ 米国税率(年収 ¥700 万超でほぼ常時)の場合、FTC は米国税を完全相殺し、さらに 10 年繰越可能な残余クレジットを発生させます。FEIE はこの利点を捨てます。日本在住の駐在員の多くは最終的に FTC に切替。',

      'tax.pfic.detected_label':       '検出された PFIC 口座:',
      'tax.pfic.cpa_note':             'PFIC 報告は米国国際課税で最もミスが多い分野の一つ。PFIC 経験を明示する CPA を強く推奨 — 一般 CPA は見落としやすく、罰則も厳しい。',

      'tax.spouse.warning':            '§6013(g) で非米国人配偶者を米国居住者扱いにする選択は逆効果になることがあります。日本居住の配偶者は投資信託・学資保険・確定拠出年金を保有していることが多く、これらは米国制度に入った瞬間 PFIC となります。MFJ 選択前に必ず両方の試算を。',

      'tax.docs.intro':                'あなたに適用される申告書に必要な書類。Document Vault に保存済みのものはチェック付き。「Vault に追加」で追跡開始。',
      'tax.docs.empty':                '必要書類はありません(現在の適用申告書に基づく判定)。',

      'tax.preparer.empty':            '担当者未登録。「編集」で CPA・税理士の連絡先と次回予約を入力してください。',
      'tax.preparer.name':             '担当者・事務所名',
      'tax.preparer.contact':          '連絡先(メール・電話・LINE)',
      'tax.preparer.next_appointment': '次回予約',
      'tax.preparer.notes':            'メモ',
      'tax.modal.preparer':            '税務担当者を編集',

      'tax.overrides.intro':           'Asset・FBAR から自動検出できない項目を手動で指定します(該当する場合のみ)。「自動」を選ぶと自動検出が使われます。',
      'tax.overrides.auto':            '自動検出',
      'tax.overrides.yes':             'はい',
      'tax.overrides.no':              'いいえ',
      'tax.overrides.pfic':            'PFIC 投資を保有していますか?',
      'tax.overrides.pfic.help':       '自動スキャンを上書き。「はい」で 8621 を必須として表示。',
      'tax.overrides.foreign_corp':    '外国法人の 10% 以上を保有していますか?',
      'tax.overrides.foreign_corp.help': '合同会社・株式会社・GK・KK・その他外国法人。Form 5471 と GILTI 計算が必要に。',
      'tax.overrides.self_employed':   '自営業・契約者ですか?',
      'tax.overrides.self_employed.help': 'Schedule SE と四半期予定納税が発生。日本年金加入証明があれば租税条約により米国 SE 税は免除可能。',
      'tax.overrides.paid_jp_tax':     '前年に日本の所得税・住民税を納付しましたか?',
      'tax.overrides.paid_jp_tax.help': 'Form 1116(FTC)の適用判定に使用。',

      'tax.resources.irs_intl.title':  'IRS:国際納税者向け',
      'tax.resources.irs_intl.body':   '海外居住米国人向け IRS 公式ハブ。フォーム説明・出版物・FAQ。',
      'tax.resources.fbar.title':      'FinCEN BSA E-Filing — FBAR',
      'tax.resources.fbar.body':       'FinCEN Form 114 はここから提出。IRS とは別 — 1040 と一緒には提出できません。',
      'tax.resources.nta.title':       '国税庁',
      'tax.resources.nta.body':        '日本の税務当局。英語ページで駐在員向け確定申告関連トピックを網羅。',
      'tax.resources.totalization.title': '日米社会保障協定',
      'tax.resources.totalization.body': '社会保障 / 年金の二重支払いを回避するための加入証明書取得方法を SSA が解説。',

      'resident.badge':                '長期居住者',
      'resident.edit':                 '編集',
      'resident.save':                 '保存',
      'resident.cancel':               'キャンセル',

      'resident.section.residency':    '居住ステータス',
      'resident.section.pr':           '永住権 取得トラッカー',
      'resident.section.tenyear':      '10年全世界資産時計',
      'resident.section.kakutei':      '確定申告準備',
      'resident.section.furusato':     'ふるさと納税 計算機',
      'resident.section.mortgage':     '住宅ローン控除',
      'resident.section.nhi':          '国民健康保険(NHI)タイミング',
      'resident.section.resources':    'リソース',

      'resident.modal.residency':      '居住ステータスを編集',
      'resident.modal.furusato':       'ふるさと納税を編集',
      'resident.modal.mortgage':       '住宅ローン控除を編集',
      'resident.modal.from_onboarding_note': 'オンボーディングの回答から一部の項目を自動入力しています。正確な日付・詳細に更新してください(編集内容が優先されます)。',

      'resident.from_onboarding':      'オンボーディングより',
      'resident.years_ago_approx':     '前(概算)',

      'resident.residency.empty':      '居住情報なし。「編集」で来日日・在留資格・住民票登録状況を入力してください。',
      'resident.field.arrival':        '来日日',
      'resident.field.arrival.help':   '日本居住開始日。10年全世界資産時計と永住権資格計算の基準。',
      'resident.field.juminhyo':       '住民票登録日',
      'resident.field.juminhyo.help':  '住民票を登録した正確な日付(任意)。SOFA 開始の場合は来日日より遅いことがあります。',
      'resident.field.juminhyo_status': '住民票登録状況',
      'resident.field.juminhyo_status.help': 'オンボーディングからの簡易ステータス。正確な登録日が分かる場合は下にも入力してください。',
      'resident.juminhyo.yes':         '登録済み',
      'resident.juminhyo.no':          '未登録',
      'resident.juminhyo.unsure':      '不明',
      'resident.field.visa':           '在留資格',
      'resident.field.pr_status':      '永住権ステータス',
      'resident.field.pr_granted':     '永住権(永住者ビザ)取得済み',
      'resident.field.pr_filed':       '永住権申請日',
      'resident.field.pr_filed.help':  '永住権申請を提出した日を設定します。審査は通常 4〜12 ヶ月かかります。',
      'resident.pr.granted':           '永住者',
      'resident.pr.pending':           '審査中({{date}}申請)',

      'resident.pr.empty':             '在留資格と来日日を設定すると永住権取得スケジュールが表示されます。',
      'resident.pr.path':              '取得経路',
      'resident.pr.now_eligible':      '申請可能',
      'resident.pr.required':          '継続居住要件',
      'resident.pr.already_granted':   'すでに永住権を取得済み。このカードでの追跡は不要です。',
      'resident.pr.eligible_apply':    '申請可能です。地方入国管理局で書面申請。準備物:5年分の納税記録、住民票・戸籍(または同等)、雇用記録、パスポート・在留カード写し、身元保証人 2-3 名。',
      'resident.pr.reference':         '申請要件:',

      'resident.tenyear.intro':        '日本相続税の対象が「日本国内資産のみ」→「全世界資産」に拡大するのは居住 10 年目。閾値式で経過措置なし。10 年目より前に対策を。',
      'resident.tenyear.empty':        '上の「居住ステータス」で来日日を設定するとカウントダウンが表示されます。',
      'resident.tenyear.until':        '10 年目まで',
      'resident.tenyear.date':         '10 年目記念日',
      'resident.tenyear.past':         '日本居住 {{years}} 年以上',
      'resident.tenyear.past.body':    '日本相続税は全世界資産に適用 — 米国 401(k)・IRA・証券・不動産も対象。軽減策(贈与・生命保険・不動産評価減・配偶者控除)はすべて有効ですが計画が必要。Projections → Tax Strategy の相続税対策セクション参照。',
      'resident.tenyear.future.body':  '10 年目までは日本相続税は日本国内資産(日本銀行口座・日本不動産)のみに適用。10 年目以降は全世界。非居住相続人への移転、再構成、または 10 年到達前の出国を計画。',
      'resident.tenyear.see_strategies': '相続税の完全な軽減策は Projections → Tax Strategy で確認',

      'resident.kakutei.intro':        '確定申告期間: 毎年 2/16 〜 3/15。対象:自営業・複数雇用主・海外源泉所得(米国人ほぼ該当)・年末調整外の控除申請者。',
      'resident.kakutei.window_open':  '🔴 受付期間中 — 締切まであと {{days}} 日(3/15)',
      'resident.kakutei.next_deadline': '次回締切: {{date}}(あと {{days}} 日)',
      'resident.kakutei.window_help':  'e-Tax(オンライン)または地元税務署に書面提出。延滞税: 5-15% の延滞税 + 利子。',
      'resident.kakutei.checklist':    '準備書類',
      'resident.kakutei.us_person_note': '米国人:全世界所得を米国 1040 でも申告必須。日本側で支払った税金は米国 Form 1116 で外国税額控除として請求。米国 4/15 締切前に確定申告を完了させて、FTC 計算用の日本税情報を確保するのが標準。',

      'resident.furusato.intro':       '日本の年次寄附控除制度です。日本の自治体に寄附すると、住民税から控除(¥2,000 を除く)を受けられ、寄附額の約 30% 相当の返礼品(米・和牛・酒など)が届きます。寄附行為のため PFIC 問題はなく、米国人にも有効です。',
      'resident.furusato.empty':       '前年の所得を入力すると年間限度額が表示されます。',
      'resident.furusato.estimated_limit': '推定年間限度額',
      'resident.furusato.planned':     '計画寄附額',
      'resident.furusato.headroom':    '残り余地',
      'resident.furusato.over_limit':  '推定限度額を超えています。超過分は控除対象外 — 追加寄附前に公式計算ツールで確認を。',
      'resident.furusato.estimate_note': '簡易計算式での推定(所得の 2-3%)。正確な金額は公式計算ツールで',
      'resident.furusato.calculator':  'シミュレーター',
      'resident.furusato.prior_income': '前年所得(¥)',
      'resident.furusato.prior_income.help': '前年の課税所得合計。給与所得者は源泉徴収票、それ以外は確定申告計算結果から。',
      'resident.furusato.dependents':  '扶養人数',
      'resident.furusato.dependents.help': '配偶者 + 適格扶養親族。1 人につき限度額が約 8% 減少。',
      'resident.furusato.donations_planned': '今年計画している寄附額(¥)',
      'resident.furusato.donations_planned.help': '累計を記録。限度額超過分は控除対象外。',

      'resident.mortgage.intro':       '住宅ローン控除は、年末ローン残高の 0.7% を所得税から控除する制度です。新築の主たる住居を取得してから 13 年間適用されます。',
      'resident.mortgage.empty':       '「編集」で日本のローンありにチェックすると年間控除額の試算が表示されます。',
      'resident.mortgage.has':         '主たる住居の日本住宅ローンあり',
      'resident.mortgage.purchase_year': '取得年',
      'resident.mortgage.loan_balance': '年末ローン残高(¥)',
      'resident.mortgage.loan_balance.help': '銀行発行の年末残高証明書から。物件種別で控除上限が変動。',
      'resident.mortgage.type':        '物件種別',
      'resident.mortgage.annual_credit': '年間控除額試算',
      'resident.mortgage.years_remaining': '残年数',
      'resident.mortgage.note':        '初年度は確定申告で申請、2-13 年目は年末調整で自動適用。米国人にも適用 — 投資ではなく税額控除のため PFIC 問題なし。',

      'resident.nhi.body':             '日本の国民健康保険料は前年所得を基に毎年 6 月に算定。大型所得イベント(Roth コンバージョン・RSU 権利確定・大型ボーナス)は翌年の NHI 保険料を引き上げます。',
      'resident.nhi.timing_tip':       '大型所得イベントのタイミングを調整して NHI ジャンプを管理。保険料は上限あり(年 ¥100 万 / 人程度)ですが、上限到達は中所得で起こり得て、Roth コンバージョン時の限界費用が日本所得税と合算で 10% を超えることも。複数の低所得年に分散検討。',

      'resident.resources.nta.title':  '国税庁',
      'resident.resources.nta.body':   '確定申告書類、路線価、相続税ルール、外国人居住者向け英語ガイドの公式情報源。',
      'resident.resources.moj.title':  '出入国在留管理庁',
      'resident.resources.moj.body':   '永住権申請の公式要件・申請書類。在留資格更新手続き。',
      'resident.resources.furusato.title': 'ふるさと納税ポータル',
      'resident.resources.furusato.body': '自治体寄附の最大級アグリゲーター。公式限度額シミュレーター(本ツールの簡易推定より正確)。',
      'resident.resources.zeirishi.title': '税理士検索',
      'resident.resources.zeirishi.body': '複雑な状況(相続事前計画・多源泉所得・不動産取引)は税理士へ。米日デュアル申告対応者多数;年次申告で複雑度に応じ ¥10 万-50 万円程度。',

      'veteran.modal.service':      '兵役記録を編集',
      'veteran.modal.disability':   'VA 障害認定を編集',
      'veteran.modal.healthcare':   '医療保険を編集',
      'veteran.modal.education':    '教育給付を編集',
      'veteran.modal.survivor':     '遺族給付を編集',

      'veteran.service.empty':      '兵役情報なし。「編集」で軍種・期間・除隊種別・階級を入力してください。',
      'veteran.field.branch':       '軍種',
      'veteran.field.component':    '区分',
      'veteran.field.entry_date':   '入隊日',
      'veteran.field.discharge_date': '除隊日',
      'veteran.field.discharge_type': '除隊種別',
      'veteran.field.final_rank':   '最終階級',
      'veteran.field.mos_rating':   'MOS / Rating / AFSC(専門)',
      'veteran.field.retired':      '退役者(20年以上勤務または医療退役)',
      'veteran.field.retired.help': 'TRICARE 退役者プラン適用・退役年金・生涯給付の判定。',
      'veteran.field.status':       'ステータス',
      'veteran.status.retired':     '退役済み',

      'veteran.dd214.tracked':      'DD-214 はドキュメント保管庫に登録済み — 保管場所: {{location}}',
      'veteran.dd214.missing':      'DD-214 がドキュメント保管庫に未登録です。',
      'veteran.dd214.openVault':    '今すぐ追加',

      'veteran.disability.empty':   'VA 障害認定の記録なし。「編集」で総合認定率と個別状態を入力してください。',
      'veteran.disability.rating':  '総合認定率',
      'veteran.disability.rating.help': 'VA 総合認定率(0-100% を 10% 刻み)。複数の状態は単純加算ではなく VA 統合表で算出。',
      'veteran.disability.compensation': '月額補償',
      'veteran.disability.compensation.help': '非課税の VA 月額障害給付。毎年 12月の COLA 調整で更新。',
      'veteran.disability.iu':      'Individual Unemployability(IU/TDIU)受給中',
      'veteran.disability.iu.help': '総合認定率 100% 未満でも 100% 相当額が支給される制度。職業役務遂行不能を要件とする。',
      'veteran.iu.suffix':          '(IU により 100% 相当額)',
      'veteran.disability.last_eval': '直近の C&P 検査日',
      'veteran.disability.last_eval.help': '最も最近の VA Compensation & Pension 検査日。VA は定期再検査を行う場合があり、記録保持が将来の増額請求に有用。',
      'veteran.disability.conditions': '兵役関連認定状態',
      'veteran.condition.add':      '状態を追加',
      'veteran.condition.name.placeholder': '例:耳鳴り・PTSD・腰部障害',
      'veteran.disability.reference': 'VA マニラ地域事務所(アジア太平洋):',

      'veteran.healthcare.empty':   '医療保険情報なし。「編集」で TRICARE プランと FMP 加入状況を入力してください。',
      'veteran.healthcare.tricare_eligible': 'TRICARE 対象',
      'veteran.healthcare.tricare_eligible.help': '現役・退役・対象扶養家族。非退役者は除隊 180 日後に資格喪失。',
      'veteran.healthcare.tricare_plan': 'TRICARE プラン',
      'veteran.healthcare.fmp':     'VA Foreign Medical Program(FMP)加入',
      'veteran.healthcare.fmp.help': 'FMP は VA 認定の兵役関連状態に対する海外治療費を給付します。償還式のため、日本の医療機関に現金で支払った後、VA マニラ経由で請求します。',
      'veteran.healthcare.jp_note': '米国式の VA 直接医療は日本ではほぼ利用不可。FMP(SC 状態)・TRICARE Overseas(退役者)はいずれも償還式 — 日本の医療機関に現金支払い後、請求書を提出して払戻し。領収書は必ずドキュメント保管庫に保存。',

      'veteran.education.empty':    'GI Bill / 教育給付の記録なし。「編集」で給付種別と残月数を入力してください。',
      'veteran.education.benefit_type': '給付プログラム',
      'veteran.education.months_remaining': '残月数',
      'veteran.education.expiration': '有効期限',
      'veteran.education.expiration.help': '2013 年以前の除隊者は除隊から 15 年。2013 年以降の除隊者は Forever GI Bill により無期限のため、空欄でも構いません。',
      'veteran.education.transferred': '配偶者・扶養家族に移転済み',
      'veteran.education.transferred.help': '移転は現役中・残り 4 年以上の勤務予定が必要。一度移転すると本人は再取得不可。',

      'veteran.survivor.note':      'SGLI は除隊 120 日後に失効。240 日以内に VGLI に切替えれば医療審査なしで継続可(SGLI 額まで)。485 日経過後は切替権利が永久喪失。',
      'veteran.survivor.sgli.help': '現役・予備役の保険。標準 $400K。除隊 120 日後に自動失効。',
      'veteran.survivor.vgli.help': '除隊後の SGLI 切替商品。元 SGLI 額まで(最大 $400K)。保険料は年齢に応じて上昇。',

      'veteran.jp_resources.intro': '日本に居住・移住する米国退役軍人向けの主要リソース。',
      'veteran.jp_resources.manila.title': 'VA マニラ地域給付事務所',
      'veteran.jp_resources.manila.body':  'アジア太平洋地区担当の VA 事務所。日本居住退役軍人の補償・年金・教育・遺族給付申請を取り扱う。日本からのフリーダイヤル:+63-2-8550-3888(米国営業時間内)。',
      'veteran.jp_resources.fmp.title':    'Foreign Medical Program(FMP)',
      'veteran.jp_resources.fmp.body':     '一度加入すれば兵役関連状態の治療費を VA が日本の医療機関へ償還。SC 状態が 1 つでもあれば加入推奨 — 10% 認定の耳鳴り検査から SC 関連大手術まで対象。',
      'veteran.jp_resources.tricare_overseas.title': 'TRICARE Overseas Program(TOP)',
      'veteran.jp_resources.tricare_overseas.body':  '日本居住退役者向け医療保険。償還式 — 多くの医療機関は TRICARE に直接請求しないため、マニラの TOP 請求事務所またはオンラインで提出。緊急時は International SOS が調整。',
      'veteran.jp_resources.ebenefits.title': 'VA.gov アカウント',
      'veteran.jp_resources.ebenefits.body':  '米国電話番号で SMS 認証ができるうちに login.gov / VA.gov のアカウントを設定。日本の電話番号のみではアクセス困難な機能あり。',
      'veteran.jp_resources.sofa.title':      'SOFA + VA の関係',
      'veteran.jp_resources.sofa.body':       'SOFA 適用者(現役・国防総省文民・SOFA 契約者)は通常 TRICARE / 軍医療機関を主治療先とし、SC 状態は別途 FMP で対応。SOFA 終了後に通常の日本居住者となると、国民健康保険が主保険となり FMP/TRICARE は補完となる。',
      // ====================================================================
      // 連絡先モジュール(v0.56)
      // ====================================================================
      'contacts.title':                 '連絡先',
      'contacts.intro':                 '統合アドレス帳。資産口座・受診先・保険・家族の情報を自動でまとめます。状況に応じた組込連絡先(退役軍人向けの VA、海外在住米国市民向けの大使館など)も表示します。個人の連絡先は手動で追加できます。',
      'contacts.add':                   '連絡先を追加',
      'contacts.add.title':             '連絡先を追加',
      'contacts.edit':                  '連絡先を編集',
      'contacts.delete':                '削除',
      'contacts.save':                  '保存',
      'contacts.cancel':                'キャンセル',
      'contacts.delete.confirm':        '連絡先「{{name}}」を削除しますか?',
      'contacts.dismiss.confirm':       '組込連絡先「{{name}}」を非表示にしますか?設定から再表示できます。',
      'contacts.dismiss.help':          'この組込連絡先を非表示にする',
      'contacts.empty.body':            '連絡先はまだありません。各モジュールで資産口座・歯科受診先・保険証・家族メンバーを追加するか、「+ 連絡先を追加」から手動で入力してください。',
      'contacts.search.placeholder':    '🔍 連絡先を検索(名前・組織・電話・メールなど)',
      'contacts.search.none':           '検索条件に該当する連絡先はありません。',
      'contacts.aiEnriched':            '{{date}} に AI で補完済み',
      'contacts.enhance.help':          'AI で情報補完:公開情報から不足項目(ウェブサイト・営業時間・住所・電話)を補います',
      'contacts.enhance.builtinNote':   '組込連絡先は情報の正確性を保つため固定情報になっています。上書きしたい場合は、組込を非表示(×)にしてから手動で連絡先を追加してください。',
      // 統計
      'contacts.stats.total':           '合計',
      'contacts.stats.auto':            '自動',
      'contacts.stats.manual':          '手動',
      // カテゴリ
      'contacts.cat.emergency':         '緊急連絡先',
      'contacts.cat.family':            '家族',
      'contacts.cat.medical':           '医療機関',
      'contacts.cat.dental':            '歯科受診先',
      'contacts.cat.insurance':         '保険',
      'contacts.cat.financial':         '金融機関',
      'contacts.cat.military_va':       '軍事・退役軍人',
      'contacts.cat.us_government':     '米国政府',
      'contacts.cat.japan_government':  '日本政府',
      'contacts.cat.professional':      '専門サービス',
      'contacts.cat.personal':          '個人',
      'contacts.cat.count':             '{{n}} 件',
      // フィールド
      'contacts.field.category':        'カテゴリ',
      'contacts.field.name':            '名前',
      'contacts.field.name.required':   '名前は必須です。',
      'contacts.field.nameJp':          '名前(日本語)',
      'contacts.field.organization':    '組織',
      'contacts.field.type':            '役割・種別',
      'contacts.field.type.help':       '自由記述:「兄」「相続弁護士」「CPA」「主治医」など。',
      'contacts.field.phone':           '電話',
      'contacts.field.email':           'メール',
      'contacts.field.website':         'ウェブサイト',
      'contacts.field.hours':           '営業時間',
      'contacts.field.address':         '住所',
      'contacts.field.notes':           'メモ',
      'contacts.field.emergency':       '緊急連絡先(上部に表示)',
      'profile.title': 'プロフィール / ステータス',
      'profile.answers': 'オンボーディングの回答',
      'profile.tracks': '割り当てられたトラック',
      'profile.rerun': 'オンボーディングを再実行',
      'profile.empty': 'オンボーディングはまだ完了していません。',
      'profile.no_name': '(名前未設定)',
      'profile.onboarded_on': 'オンボーディング日',

      'profile.section.quickstats': 'クイック統計',
      'profile.section.tracks':     'アクティブトラック(導出根拠付き)',
      'profile.section.answers':    'オンボーディング回答(デコード済み)',
      'profile.section.modstat':    'モジュール充実状況',
      'profile.section.settings':   '設定ショートカット',
      'profile.section.data':       'データ管理',

      'profile.stat.tracks':            'アクティブトラック',
      'profile.stat.tracks_active':     'オーディエンスセグメント',
      'profile.stat.modules':           '解除モジュール数',
      'profile.stat.modules_unlocked':  'ダッシュボード利用可能',
      'profile.stat.actions':           '未対応アクション',
      'profile.stat.actions_open':      '対応待ち',
      'profile.stat.actions_caught_up': 'すべて完了',
      'profile.stat.last_review':       '最終年次レビュー',
      'profile.stat.last_review_none':  '未実施 — ウィザードを試す',

      'profile.tracks.intro':         'トラックはオンボーディング回答から導出され、各トラックが 1 つ以上のダッシュボードモジュールを解除します。導出根拠には、どの回答がどのトラックを発動させたかが正確に示されるため、データが期待通りに解釈されているかの確認に活用できます。',
      'profile.tracks.empty':         'トラック未割当。オンボーディング再実行で状況を設定。',
      'profile.tracks.triggered_by':  '発動理由',
      'profile.tracks.open_module':   'このトラックのモジュールを開く',

      'profile.answers.intro':        'オンボーディング回答をカテゴリー別にグループ化し、人間が読める形にデコードして表示。各行の ✎ ペンシルから単一回答のみ更新可能(ウィザードが保存後にこのページに戻ります)。',
      'profile.answers.not_set':      '未設定',
      'profile.answers.edit_one':     'この回答を編集',
      'profile.group.identity':       'ID',
      'profile.group.residency':      '居住',
      'profile.group.employment':     '雇用',
      'profile.group.veteran':        '軍歴',
      'profile.group.family':         '家族・世帯',
      'profile.group.property':       '不動産',
      'profile.group.health':         '医療カバレッジ',
      'profile.group.planning':       '計画期間',
      'profile.group.tools':          'ツール・AI 利用方針',

      'profile.modstat.intro':        '{{total}} モジュール中 {{populated}} にデータ登録済み。空のモジュールもダッシュボードに表示されますが、データを入力することで最大の価値を発揮します。',
      'profile.modstat.assets':       'Assets — 口座',
      'profile.modstat.fbar':         'FBAR — 口座',
      'profile.modstat.docs':         'Document Vault — 書類',
      'profile.modstat.family':       '家族 — メンバー',
      'profile.modstat.property':     '不動産 — 物件',
      'profile.modstat.snapshots':    '純資産 — スナップショット',
      'profile.modstat.gifts':        '家族 — 贈与記録',
      'profile.modstat.ai_chats':     'タイガンに聞く — 保存会話',

      'profile.settings.api_key':     'Claude API キー',
      'profile.settings.api_key_set': '設定済 — Ask Taigan + 画像機能利用可能',
      'profile.settings.api_key_missing': '未設定 — AI 機能を有効化するため設定を',
      'profile.settings.theme':       'テーマ',
      'profile.settings.theme_dark':  'ダークモード',
      'profile.settings.theme_light': 'ライトモード',
      'profile.settings.language':    '言語',
      'profile.settings.open':        '開く',

      'profile.data.intro':           'バックアップ・アドバイザー共有・別デバイス移行用に Taigan Bridge 全状態をエクスポート。インポートは全現在データを上書きします。',
      'profile.data.export':          '状態をエクスポート(JSON)',
      'profile.data.import':          '状態をインポート(JSON)',
      'profile.data.import_confirm':  'インポートは全現在データをファイル内容で「置換」します。続行?',
      'profile.data.import_success':  'インポート成功。ビュー再読込中…',
      'profile.data.import_error':    'インポート失敗',
      'profile.data.open_settings':   '高度なオプションは設定を開く',
      'settings.title': '設定',
      'settings.api.title': 'Claude API キー(任意)',
      'settings.api.help': 'このブラウザ内にのみ保存されます。AI 機能を使用する際に api.anthropic.com に直接送信されます。',
      'settings.api.placeholder': 'sk-ant-...',
      'settings.api.save': '保存',
      'settings.api.clear': 'キーを削除',
      'settings.api.clear.confirm': '保存済みの Claude API キーをこのブラウザから削除しますか?',
      'settings.api.intro.before': '',
      'settings.api.intro.linkLabel': 'Anthropic API キー',
      'settings.api.intro.after': 'を入力すると AI 機能が使用できます。キーはブラウザ内にのみ保存され、Anthropic 以外には送信されません。',
      'settings.api.status.set': 'キー設定済み: {{masked}}',
      'settings.api.status.unset': 'キー未設定 — AI 機能は無効です。',
      'settings.api.demo.locked': 'ライブデモでは API キーを入力できないようにしています。実際のキーが誤って保存されることはありません。AI 機能を使うには、アプリをダウンロードし、お手元の端末でご自身のキーを設定してください。',
      'settings.import.success': 'インポートに成功しました。',
      'settings.import.failed': 'インポートに失敗',
      'settings.lang.title': '言語',
      'settings.ai.title': 'AI / API キー',
      'settings.ai.model.label': 'AI モデル',
      'settings.ai.usage.title': 'トークン使用量モニタリング',
      'settings.ai.usage.inputToday': '本日の入力トークン',
      'settings.ai.usage.outputToday': '本日の出力トークン',
      'settings.ai.usage.costToday': '本日の概算コスト',
      'settings.ai.usage.dailyLimit': '1日上限($):',
      'settings.ai.usage.allTime': '累計: {{cost}} ({{tokens}} トークン)',
      'settings.ai.usage.resetToday': '本日分をリセット',
      'settings.ai.usage.resetConfirm': '本日の使用カウンターをゼロにリセットしますか?(累計には影響しません。)',
      'settings.ai.credits.title': 'API クレジット残高',
      'settings.ai.credits.buyLink': 'Anthropic でクレジットを購入',
      'settings.ai.credits.remaining': '残高',
      'settings.ai.credits.purchased': '購入額 {{amount}}',
      'settings.ai.credits.spent': '{{since}} 以降 {{amount}} 使用',
      'settings.ai.credits.reconciledOn': '{{date}} に照合済',
      'settings.ai.credits.reconcile': '照合',
      'settings.ai.credits.reconcilePrompt': 'console.anthropic.com で確認した実際の残高を入力してください(USD):',
      'settings.ai.credits.reconcileInvalid': '正の数値を入力してください。',
      'settings.ai.topup.title': 'チャージを記録',
      'settings.ai.topup.purchaseDate': '購入日',
      'settings.ai.topup.amount': '金額($)',
      'settings.ai.topup.amountPlaceholder': '例: 25',
      'settings.ai.topup.type': '種別',
      'settings.ai.topup.expiration': '有効期限(任意)',
      'settings.ai.topup.expirationHint': '',
      'settings.ai.topup.add': '追加',
      'settings.ai.topup.help': '購入日は使用量のカウント開始日となります。期限切れのチャージはグレー表示され、残高に含まれません。',
      'settings.ai.topup.invalidAmount': '正の金額を入力してください。',
      'settings.ai.topup.type.topup': 'チャージ',
      'settings.ai.topup.type.grant': 'クレジット付与',
      'settings.ai.topup.type.refund': '返金',
      'settings.ai.topup.historyTitle': 'チャージ履歴',
      'settings.ai.topup.empty': 'チャージ履歴はまだありません。上記から追加してクレジット残高の記録を開始してください。',
      'settings.ai.topup.col.date': '日付',
      'settings.ai.topup.col.type': '種別',
      'settings.ai.topup.col.expires': '有効期限',
      'settings.ai.topup.col.amount': '金額',
      'settings.ai.topup.removeConfirm': 'このチャージ履歴を削除しますか?',
      // API キーヘルスチェック + ローテーション
      'settings.api.health.title': '1 トークンの ping を送信してキーの有効性を確認',
      'settings.api.health.test': 'キーをテスト',
      'settings.api.health.testing': 'テスト中…',
      'settings.api.health.noKey': 'キー未設定 — テスト対象がありません。',
      'settings.api.health.ok': 'キー有効 · {{model}} · {{ms}} ms',
      'settings.api.health.err.no_key': 'API キーが未設定です。',
      'settings.api.health.err.invalid_key': 'API がキーを拒否しました(401)。console.anthropic.com から再貼り付けしてください。',
      'settings.api.health.err.forbidden': 'このモデルへのアクセス権限がありません(403)。ワークスペース権限を確認してください。',
      'settings.api.health.err.rate_limited': 'レート制限(429)。少し時間を置いて再試行してください。',
      'settings.api.health.err.server_error': 'Anthropic サーバーエラー。しばらくしてから再試行してください。',
      'settings.api.health.err.network': 'ネットワークエラー — api.anthropic.com に接続できませんでした。',
      'settings.api.health.err.unknown': '不明なエラー。',
      'settings.api.rotation.due': 'キー設定から {{days}} 日経過。Anthropic は定期的なキーローテーションを推奨 — クリアして console.anthropic.com で新規キーを発行・再貼り付けしてください。',
      // AI 使用量ダッシュボード
      'settings.dashboard.title': 'AI 使用量ダッシュボード',
      'settings.dashboard.help': 'Claude クレジットの内訳を機能別・モデル別・日別で表示。CSV エクスポートは経費控除の記録にもそのまま使えます。',
      'settings.dashboard.empty': 'AI 呼び出し履歴なし。FBAR 抽出・資産エンリッチ・タイガンに質問のいずれかを実行すると記録開始。',
      'settings.dashboard.summary.mtd': '今月累計',
      'settings.dashboard.summary.last30': '直近 30 日',
      'settings.dashboard.summary.lifetime': '累計',
      'settings.dashboard.summary.avgPerCall': '平均 / 呼出',
      'settings.dashboard.summary.avgHelp': '累計平均',
      'settings.dashboard.summary.calls': '{{n}} 件',
      'settings.dashboard.chart.title': '日別コスト(直近 30 日)',
      'settings.dashboard.chart.aria': '直近 {{days}} 日間の AI コスト(USD)を示す棒グラフ。',
      'settings.dashboard.chart.window': '直近 {{n}} 日',
      'settings.dashboard.chart.totals': '期間合計: {{cost}} · {{calls}} 件',
      'settings.dashboard.byFeature.title': '機能別(累計)',
      'settings.dashboard.byFeature.empty': '機能別データはありません。過去の呼び出しは「未分類」として記録されます。',
      'settings.dashboard.byModel.title': 'モデル別(累計)',
      'settings.dashboard.byModel.empty': 'モデル別データなし。',
      'settings.dashboard.monthly.title': '月別集計(直近 12 か月)',
      'settings.dashboard.monthly.empty': '月別データなし。',
      'settings.dashboard.export.csv': '日別合計 CSV',
      'settings.dashboard.export.csvByFeature': '機能別 CSV',
      'settings.dashboard.export.help': 'Excel / Numbers / Sheets で開けます。AI が事業経費の場合、税控除記録に活用できます。',
      'settings.dashboard.col.feature': '機能',
      'settings.dashboard.col.model': 'モデル',
      'settings.dashboard.col.pricing': '単価',
      'settings.dashboard.col.calls': '呼出数',
      'settings.dashboard.col.tokens': 'トークン',
      'settings.dashboard.col.inTokens': '入力',
      'settings.dashboard.col.outTokens': '出力',
      'settings.dashboard.col.last30': '直近30日',
      'settings.dashboard.col.lifetime': '累計',
      'settings.dashboard.col.share': 'シェア',
      'settings.dashboard.col.trend': '推移(30日)',
      'settings.dashboard.col.month': '月',
      'settings.dashboard.col.cost': 'コスト',
      'settings.dashboard.feature.chat': 'チャット(汎用)',
      'settings.dashboard.feature.fbar_chat': 'FBAR Q&A',
      'settings.dashboard.feature.fbar_vision': 'FBAR 書類抽出',
      'settings.dashboard.feature.fbar_enrichment': 'FBAR 機関情報エンリッチ',
      'settings.dashboard.feature.asset_vision': '資産明細抽出',
      'settings.dashboard.feature.asset_enrichment': '資産機関情報エンリッチ',
      'settings.dashboard.feature.document_vision': 'Document Vault 抽出',
      'settings.dashboard.feature.medical_vision': 'Health Tracker 検査・受診抽出',
      'settings.dashboard.feature.ask_taigan': 'タイガンに聞く',
      'settings.dashboard.feature.health_check': 'API キーヘルスチェック',
      'settings.dashboard.feature.other': 'その他 / 未分類',
      // AI 利用の同意(リクエスト時の確認 + 設定カード)
      'ai.consent.modal.title':         'AI リクエストの確認',
      'ai.consent.modal.intro':         '「{{feature}}」機能で Claude にリクエストを送信します。ブラウザから送信されるデータを送信前に確認できます。',
      'ai.consent.modal.whatSent':      '送信される内容',
      'ai.consent.modal.estCost':       '推定コスト:${{usd}}(実際のコストはリクエスト後に使用量ダッシュボードへ反映されます)',
      'ai.consent.modal.dontAskSession': 'このセッション中は「{{feature}}」の確認をスキップする(再読込でリセット)',
      'ai.consent.modal.cancel':        'キャンセル',
      'ai.consent.modal.send':          '送信',
      'ai.consent.modal.openSettings':  'この機能の AI 利用設定を恒久的に変更する',
      // 設定 → AI 利用同意カード
      'settings.consent.title':         'AI 利用の同意',
      'settings.consent.banner.full.title':         '✓ AI フルアクセス',
      'settings.consent.banner.full.body':          'すべての AI 機能を確認なしで実行します。コストは使用量ダッシュボードで追跡できます。',
      'settings.consent.banner.per_call.title':     '🤚 リクエストごとに確認',
      'settings.consent.banner.per_call.body':      '各 AI リクエストの前に、送信されるデータと推定コストを表示する確認ダイアログが開きます。機能ごとに「このセッション中はスキップ」を選ぶこともできます。',
      'settings.consent.banner.vision_only.title':  '👁 画像のみ許可',
      'settings.consent.banner.vision_only.body':   '書類抽出機能(FBAR・資産・Vault)は確認なしで実行され、チャット・エンリッチ・タイガンに聞くはブロックされます。下のグリッドで機能ごとに個別設定もできます。',
      'settings.consent.banner.off.title':          '⛔ AI 無効',
      'settings.consent.banner.off.body':           'すべての AI 機能をブロックします。インフラ確認用の API キーヘルスチェックのみ動作します。下のグリッドで特定の機能だけ許可することもできます。',
      'settings.consent.posture.title': 'デフォルト動作',
      'settings.consent.opt.full.title':         'フル(確認なし)',
      'settings.consent.opt.full.help':          'すべての AI 機能を確認なしで実行します。動作とコストを把握された方におすすめの設定です。',
      'settings.consent.opt.per_call.title':     'リクエストごとに確認',
      'settings.consent.opt.per_call.help':      '各 AI リクエストの前に、送信内容と推定コストを表示します。',
      'settings.consent.opt.vision_only.title':  '画像のみ',
      'settings.consent.opt.vision_only.help':   '書類抽出(画像系)のみ許可し、チャット・エンリッチ・タイガンに聞くはブロックします。',
      'settings.consent.opt.off.title':          'オフ(AI を無効化)',
      'settings.consent.opt.off.help':           'すべての AI 機能をブロック。Claude を必要としない機能は通常通り使用可能。',
      'settings.consent.overrides.title': '機能ごとの上書き',
      'settings.consent.overrides.intro': '「継承」は上のデフォルトに従います。「許可」は機能を強制的にオン(確認をスキップし、デフォルトがオフ/画像のみでも動作)。「拒否」は機能をブロック(デフォルトがフルでもブロック)。',
      'settings.consent.col.feature':    '機能',
      'settings.consent.col.type':       '種別',
      'settings.consent.col.override':   '上書き',
      'settings.consent.override.inherit': '継承',
      'settings.consent.override.allow':   '許可',
      'settings.consent.override.deny':    '拒否',
      'settings.consent.type.vision':    '画像',
      'settings.consent.type.chat':      'チャット',
      // 表示・アクセシビリティ
      'settings.a11y.title': '表示 / アクセシビリティ',
      'settings.a11y.help': '快適に読めるようインターフェースを調整。設定はこのブラウザに保存され、全モジュールに反映されます。',
      'settings.a11y.fontScale': '文字サイズ',
      'settings.a11y.highContrast': 'ハイコントラスト',
      'settings.a11y.highContrastHelp': '枠線を濃くし、フォーカスリングを常時表示。明るい環境やロービジョンの方に有用。',
      'settings.a11y.reducedMotion': 'モーションを抑える',
      'settings.a11y.reducedMotionHelp': 'アニメーションとトランジションを無効化。OS の prefers-reduced-motion 設定も尊重します。',
      // FX Rates 設定
      'settings.fx.title': '為替レート(米財務省 Treasury Reporting Rates of Exchange)',
      'settings.fx.help': 'FBAR では米財務省の年末レート(12月31日)を使用します。「更新」で fiscaldata.treasury.gov の Fiscal Data API から最新レートを取得します。ブラウザ内で完結し、認証は不要です。',
      'settings.fx.lastFetched': '最終取得: {{when}}',
      'settings.fx.neverFetched': '未取得(組み込みのプレースホルダーを使用中)。「更新」で最新の Treasury レートを取得してください。',
      'settings.fx.fetchedYears': '取得済み(Treasury): {{years}}',
      'settings.fx.hardcodedYears': '組み込みプレースホルダー: {{years}}',
      'settings.fx.fetchErrors': '{{count}} 年の取得に失敗',
      'settings.fx.none': 'なし',
      'settings.fx.refresh': 'Treasury から更新',
      'settings.fx.refreshing': '取得中…',
      'settings.fx.refreshScope': '取得対象年度: {{years}}',
      'settings.fx.refreshSuccess': '{{years}} 年分を更新しました。エラー: {{errors}} 件。',
      'settings.fx.refreshFailed': '更新失敗',
      'settings.fx.tableToggle': '取得済みレート表を表示',
      'settings.fx.col.year': '年度',
      'settings.export.title': 'データのエクスポート',
      'settings.export.help': '状態の JSON スナップショットをダウンロードします。別端末または再インストール時にインポートできます。',
      'settings.export.do': 'バックアップをダウンロード',
      'settings.import.title': 'バックアップのインポート',
      'settings.import.do': 'ファイルを選択',
      'settings.import.dropHint': 'または .json ファイルをこのカードにドロップ',
      'settings.import.drop': 'バックアップ .json をドロップして復元',
      'settings.import.demoDisabled': 'ライブデモではバックアップの復元を無効にしています。ご自身のデータを読み込むには、アプリをダウンロードしてください。',
      'settings.danger.title': 'すべてのデータを削除',
      'settings.danger.help': 'このブラウザのローカルストレージから Taigan Bridge のエントリを削除します。元に戻せません。',
      'settings.danger.do': 'すべて削除',
      'settings.danger.confirm': '本当に削除しますか?元に戻せません。',
      'settings.danger.confirm2': '本当によろしいですか?確認のため DELETE と入力してください。',

      // ----- SOFA Roth シーケンス・プランナー (v0.3.x) ------------
      'sofa.title': 'SOFA Roth シーケンス・プランナー',
      'sofa.subtitle': 'SOFA 適用中から住民票登録までの「窓」が、米国課税のみで完結する整理を行える期間です。窓を逃すと、同じ動きに日本側の累進税率が加わり、実効税率が倍増することもあります。',
      'sofa.yes': 'はい',
      'sofa.no': 'いいえ',
      'sofa.na': '該当なし',

      'sofa.disclaimer.cost.headline': '⚠ 誤りのコストは非常に大きい',
      'sofa.disclaimer.cost.body': 'Roth コンバージョン・キャピタルゲイン実現・RSU 権利確定・住民票登録の順序を誤ると、退職資産規模次第で 6 桁ドル(数千万円規模)の追加課税が発生し得ます。本ツールは適切な「問い」を提示するもので、確定的な「答え」ではありません。実行前に必ず、米国・日本のクロスボーダー税務に精通した CPA に確認してください。',
      'sofa.disclaimer.title': '本モジュールについて',
      'sofa.disclaimer.body': 'Taigan Bridge は、SOFA 適用中の米国人が住民票登録予定の場合の作業順序を整理するツールです。確定申告は行わず、法的助言ではなく、専門家に代わるものではありません。租税条約の解釈や国税庁の運用は変わる可能性があるため、必ず最新情報を有資格の米日クロスボーダー CPA に確認してください。',
      'sofa.disclaimer.ack.educational': '本ツールは教育目的であり、財務・税務・法的助言ではないことを理解しています。記載された内容に基づき行動する前に、有資格の CPA に必ず確認します。',
      'sofa.disclaimer.ack.cpa': '米日クロスボーダー税務に精通した CPA に既に相談済み(または相談予約済み)です。(任意 ― 記録のみで、必須ではありません)',
      'sofa.disclaimer.continue': '理解しました ― 続ける',

      'sofa.tab.overview': '概要',
      'sofa.tab.profile':  'プロフィール',
      'sofa.tab.accounts': '口座',
      'sofa.tab.sequence': '実行順序',
      'sofa.tab.risks':    'リスク',

      'sofa.deadline.unknown': '期限未定',
      'sofa.deadline.past':    '{{date}}({{days}} 日前)',
      'sofa.deadline.today':   '{{date}}(本日)',
      'sofa.deadline.soon':    '{{date}}(あと {{days}} 日)',
      'sofa.deadline.future':  '{{date}}(あと {{days}} 日)',

      'sofa.overview.empty.title': '状況を教えてください',
      'sofa.overview.empty.body': '「実行順序」と「リスク」タブは、SOFA の役割と日本居住計画から自動生成されます。まず「プロフィール」タブを記入してください。',
      'sofa.overview.empty.cta': 'プロフィールを開く →',
      'sofa.overview.window.title': 'シーケンスの窓',
      'sofa.overview.window.notStaying': '居住計画が「日本に長期滞在」ではないため、SOFA-Roth シーケンスのリスクは大半が該当しません。計画が変わった場合は「プロフィール」タブで更新してください。',
      'sofa.overview.window.separation': 'SOFA / 雇用終了',
      'sofa.overview.window.juminhyou': '住民票予定',
      'sofa.overview.window.daysLeft': '住民票までの日数',
      'sofa.overview.actions.title': '推奨アクション(優先順)',
      'sofa.overview.actions.intro': '重要度の高い順に表示しています。「実行順序」タブで全項目の確認・計画済み・実行済みのマーキングが可能です。',
      'sofa.overview.actions.viewAll': '実行順序({{count}}件)をすべて表示 →',
      'sofa.overview.quicklinks': 'クイックリンク',
      'sofa.overview.ql.profile':  'プロフィールを編集',
      'sofa.overview.ql.accounts': '口座残高を入力',
      'sofa.overview.ql.risks':    'リスクを読む',

      'sofa.profile.title': 'プロフィール',
      'sofa.profile.intro': 'モジュール全体の推奨内容はここに入力した情報から導かれます。送信されることはありません。',
      'sofa.profile.choose': '選択…',
      'sofa.profile.role': 'SOFA 役割',
      'sofa.profile.role.help': 'SOFA 適用の根拠となる立場。SOFA 該当者の扶養家族の場合は「扶養家族・帯同家族」を選択。',
      'sofa.profile.sofa_status': '現在の SOFA ステータス',
      'sofa.profile.separation_date': 'SOFA / 雇用終了予定日',
      'sofa.profile.separation_date.help': 'SOFA 適用が終了する日(命令終了日・退役日・契約終了日など)。該当なしの場合は空欄。',
      'sofa.profile.juminhyou_target_date': '住民票登録予定日',
      'sofa.profile.juminhyou_target_date.help': 'SOFA 終了後に住民票を登録する予定日。住民票登録前に完了させる項目の最終期限となります。',
      'sofa.profile.jp_residency_plan': '日本居住計画',
      'sofa.profile.jp_residency_plan.help': '日本を離れる場合、本モジュールの大半は該当しません。長期滞在予定の場合、「実行順序」タブが本ツールの中核です。',
      'sofa.profile.filing_status': '米国申告ステータス',
      'sofa.profile.spouse_us': '配偶者は U.S. person?',
      'sofa.profile.minor_children': '未成年の子はいますか?',
      'sofa.profile.notes': 'メモ',
      'sofa.profile.notes.placeholder': 'CPA との面談予定、計画日付など、関連情報があれば。',

      'sofa.accounts.title': '口座',
      'sofa.accounts.intro': '概算の USD 残高で構いません。「実行順序」と「リスク」タブはこの数値を元にサイズと優先度を計算します。申告用ではないため概算で十分です。',
      'sofa.accounts.privacy': '入力数値はブラウザ内に保持され、Anthropic 等への送信は行われません。',
      'sofa.accounts.section.retirement': '退職口座',
      'sofa.accounts.section.taxable':    '課税口座(ブローカー)',
      'sofa.accounts.section.equity':     '株式報酬',
      'sofa.accounts.section.realestate': '米国不動産',
      'sofa.accounts.section.tax':        '想定税率',
      'sofa.accounts.traditional_ira': 'Traditional IRA 残高 (USD)',
      'sofa.accounts.traditional_ira.help': '税繰延の Traditional IRA 残高合計。',
      'sofa.accounts.traditional_401k_tsp': 'Traditional 401(k) / TSP (USD)',
      'sofa.accounts.roth_ira':  'Roth IRA 残高 (USD)',
      'sofa.accounts.roth_401k': 'Roth 401(k) / Roth TSP (USD)',
      'sofa.accounts.hsa': 'HSA 残高 (USD)',
      'sofa.accounts.hsa.help': '日本側は HSA の税制優遇を認めません。報告・引出ロジックが米国と異なるためリスク欄で説明します。',
      'sofa.accounts.taxable_value': 'ブローカー口座の評価額 (USD)',
      'sofa.accounts.taxable_basis': 'ブローカー口座の取得価額 (USD)',
      'sofa.accounts.taxable_basis.help': '概算の合計取得価額。含み益 = 評価額 − 取得価額。',
      'sofa.accounts.rsu_unvested': '未確定 RSU 評価額 (USD)',
      'sofa.accounts.options': 'NSO / ISO 含み益 (USD)',
      'sofa.accounts.deferred_comp': '繰延報酬残高 (USD)',
      'sofa.accounts.re_value': '米国不動産の評価額 (USD)',
      'sofa.accounts.re_basis': '米国不動産の取得価額 (USD)',

      'sofa.tax.us_marginal': '米国所得税の限界税率 (%)',
      'sofa.tax.us_marginal.help': '連邦の限界税率。Roth コンバージョン額の上限決定に用います。',
      'sofa.tax.us_ltcg': '米国 LTCG 税率 (%)',
      'sofa.tax.jp_marginal': '住民票登録後の日本側限界税率(想定、%)',
      'sofa.tax.jp_marginal.help': '国税+住民税。米国人駐在員の多くは合計 33-43% に該当します。',
      'sofa.tax.jp_ltcg': '日本の有価証券譲渡益税率 (%)',
      'sofa.tax.jp_ltcg.help': '標準税率は 20.315%(国税 15.315% + 住民税 5%)。',

      'sofa.sequence.title': '実行順序',
      'sofa.sequence.intro': 'プロフィールと口座情報から自動生成された作業順序。重要度の高い順に表示し、同順位は期限の早い順です。',
      'sofa.sequence.profileFirst': 'まずプロフィールを設定してください。実行順序はそこから計算されます。',
      'sofa.sequence.empty': '現在のプロフィールでは推奨アクションはありません。',
      'sofa.sequence.bucket.pending':   '未対応',
      'sofa.sequence.bucket.planned':   '計画済',
      'sofa.sequence.bucket.executed':  '実行済',
      'sofa.sequence.bucket.dismissed': '対象外',

      'sofa.severity.critical': '最重要',
      'sofa.severity.high':     '重要',
      'sofa.severity.medium':   '中',
      'sofa.severity.info':     '参考',

      'sofa.action.markPlanned':  '計画済としてマーク',
      'sofa.action.markExecuted': '実行済としてマーク',
      'sofa.action.dismiss':      '対象外にする',
      'sofa.action.unplan':       '未対応に戻す',
      'sofa.action.reopen':       '未対応に戻す',
      'sofa.action.cancel':       'キャンセル',
      'sofa.executed.on':         '{{date}} 実行',
      // Phase 4 — Asset 連携監査
      'sofa.accounts.empty.cta':  'この区分の口座がありません。',
      'sofa.accounts.empty.link': 'Assets で追加',
      'sofa.step.noAssets':       '{{wrappers}} の口座がポートフォリオにありません。実行するには口座を追加してください。',
      'sofa.step.openAssets':     'Assets を開く',
      'sofa.step.affectsAccounts': '対象口座:',
      'sofa.step.planInProjections': '将来予測で計画 →',
      'sofa.step.viewProjection':    '予測グラフで確認 →',
      'sofa.dismissed':           '対象外',

      'sofa.executed.modal.title': '実行確認',
      'sofa.executed.modal.criticalHeadline': '⚠ 最重要ステップです',
      'sofa.executed.modal.criticalBody': '最重要ステップは誤りのコストが高いため、実行を確認し、CPA のレビューを受けたうえでマークしてください。',
      'sofa.executed.modal.ack1': '本アクションを実際に実行した(または代理人が実行した)。',
      'sofa.executed.modal.ack2': '裏付け書類(1099-R、振替確認書、ブローカー明細等)を後から参照可能な形で保管した。',
      'sofa.executed.modal.ack3': '担当 CPA がこのアクションを個別にレビューし、住民票計画とのタイミング整合を承認した。',
      'sofa.executed.modal.dateLabel': '実行日',
      'sofa.executed.modal.amountLabel': '実行金額(USD、任意)',
      'sofa.executed.modal.notesLabel': 'メモ(任意)',
      'sofa.executed.modal.confirm': '実行済として確定',

      'sofa.risks.title': '誤りのコスト・リスク',
      'sofa.risks.intro': '以下は SOFA から住民票登録への移行期において代償が大きい誤りのカテゴリーです。「実行順序」タブで操作する前に必ずお読みください。',
      'sofa.risks.roth.title': '住民票登録後の Roth コンバージョン',
      'sofa.risks.roth.body': '日本側は Roth の税制優遇を認めません。住民票登録後に Roth コンバージョンを行うと、変換額の全額が日本の通常所得として課税され、米国側のみで完結する場合と比べ実効税率が倍増することもあります。Tax-loss harvesting や IRMAA、部分年 Roth 戦略はすべて、住民票登録前にコンバージョンを完了することが前提です。本モジュールで最大の誤りコスト項目です。',
      'sofa.risks.ltcg.title': '住民票登録後のキャピタルゲイン実現',
      'sofa.risks.ltcg.body': '住民票登録前は、米国 LTCG は連邦の 0/15/20% のみで完結します。住民票登録後は、日本側でも 20.315% 課税となり、円ベースの取得価額再計算により円安進行分だけ利益が膨張します。簿価の低い古い保有銘柄ほど、住民票登録後のコストが米国側のみのコストを大きく上回ることがあります。',
      'sofa.risks.pfic.title': 'PFIC トラップ(投資信託・NISA・iDeCo)',
      'sofa.risks.pfic.body': '日本籍の投資信託・ETF の大半は米国税法上 PFIC(受動的外国投資会社)に該当します。PFIC 税制は懲罰的で、利益への通常所得課税・利息課税・Form 8621 のファンドごと年次提出が必要です。NISA や iDeCo は表面的には魅力的に見えますが、米国人にとっては PFIC トラップになりがちです。投資信託は米国籍ファンドを米国ブローカー口座で保有することを推奨します。',
      'sofa.risks.exit.title': '出国税(1 億円以上の有価証券保有時)',
      'sofa.risks.exit.body': '長期日本居住者(直近 10 年中 5 年以上居住)で対象有価証券 1 億円以上を保有する場合、出国時に未実現利益への「出国税」が課されます。住民票登録時点の円ベース取得価額が出国税計算の基礎となるため、住民票登録初日からの記録管理が重要です。',
      'sofa.risks.inheritance.title': '日本の相続・贈与税の 10 年遡及',
      'sofa.risks.inheritance.body': '長期日本居住者(直近 15 年中 10 年以上居住)は、米国の親族からの遺贈を含むグローバル資産が日本の相続・贈与税の対象となります。住民票登録前の移転であれば回避できる場合がありますが、登録後の移転は通常回避できません。世代間の大型移転を計画する場合は、CPA と日本側の相続専門家に並行して相談してください。',
      'sofa.risks.rsu.title': '居住境界をまたぐ RSU・SO の按分',
      'sofa.risks.rsu.body': 'RSU・SO の所得は権利確定期間中の労働実施地で按分されます。住民票登録直後に確定する付与は日本所得割合が大きくなり、W-2 が米国給与として表示されていても日本側課税対象です。権利確定日前に、勤務先給与部門と CPA に按分処理を依頼してください。',

      // ----- Assets & Portfolio Tracker (v0.4.x) ------------------
      'assets.title': '資産・口座トラッカー',
      'assets.subtitle': 'すべての口座(米国・日本・退職・課税・不動産)の唯一の正本データ。残高は SOFA Roth プランナーへ自動連携されます。',
      'assets.empty.title': '口座が未登録です',
      'assets.empty.body': '最初の口座を追加して、ポートフォリオの管理を始めましょう。ここで入力した残高は SOFA Roth プランナーとダッシュボードに自動反映されます。',
      'assets.add': '口座を追加',
      'assets.edit': '編集',
      'assets.delete': '削除',
      'assets.archive': '解約・アーカイブ',
      'assets.unarchive': '再有効化',
      'assets.show.archived': '解約済みも表示',
      'assets.hide.archived': '解約済みを非表示',
      // 資産モジュール強化 (v0.35) — レビューカード + 関連書類 + タイガンに聞く
      'assets.review.beneficiary.title':    '受取人指定レビュー',
      'assets.review.beneficiary.intro':    'POD/TOD 指定があると遺言検認(プロベート)を回避でき、遺族バインダーにも表示されます。対象口座を確認してください。',
      'assets.review.beneficiary.allset':   '{{n}} 件のアクティブ口座すべてに受取人が設定済み(または指定不要のタイプ)。',
      'assets.review.beneficiary.warn':     '{{n}} 件の口座に受取人が未設定',
      'assets.review.beneficiary.warn.body':'POD/TOD なしの場合、口座は遺言(米国側)または法定相続人(日本側)経由で承継。米国の証券・退職口座は受取人指定が最も簡単な対応策。',
      'assets.review.beneficiary.add':      '受取人を追加',

      'assets.review.yoy.title':            '前年同期比の変化',
      'assets.review.yoy.intro':            '{{date}} 頃のスナップショットとの比較です。±25% 以上の変動(成長・取崩・為替変動・PFIC 膨張など)を強調表示します。',
      'assets.review.yoy.steady':           '前年から ±25% を超える変動の口座なし — 安定。',
      'assets.review.yoy.showAll':          '安定口座 {{n}} 件も表示',

      'assets.review.tlh.title':            'タックスロス・ハーベスティング(米国口座)',
      'assets.review.tlh.intro':            '{{n}} 件の米国ポジションが取得原価を下回り、合計 {{total}} の含み損。12 月 31 日までに損出しすると、最大 $3,000 の通常所得 / 無制限のキャピタルゲインと相殺可能。',
      'assets.review.tlh.wash.title':       'ウォッシュセール規則:',
      'assets.review.tlh.wash.body':        '売却前後 30 日以内に実質的に同一の証券を購入すると損失が認められません。本人のすべての口座 AND 配偶者の口座にも適用。実行前にブローカー・CPA と連携してください。',
      'assets.review.tlh.none':             'ハーベスティング対象となる米国ポジションなし(含み損 $500 超なし)。',
      'assets.review.tlh.basis':            '取得原価',
      'assets.review.tlh.value':            '時価',
      'assets.review.tlh.unrealized':       '含み損',

      'assets.linkedDocs.label':            '関連書類',
      'assets.askTaigan.btn':               '質問',
      'assets.askTaigan.tooltip':           'この口座固有の税務・プランニング検討事項をタイガンに質問',

      // CPA 打合せ資料生成(Tax Coordinator)
      'tax.cpa.title':                      'CPA / 税理士 打合せ資料の生成',
      'tax.cpa.intro':                      '状況・適用申告書・資産スナップショット・期限を要約した打合せ前の準備資料をワンクリック生成。CPA の聞き取り時間を 30 分節約。',
      'tax.cpa.privacy.title':              '含まれる内容:',
      'tax.cpa.privacy.body':               '市民権・在留資格・家族構成・適用申告書(理由付き)・外国資産総額・口座別残高(機関名は含むが口座番号は除外)・期限・税務担当者の氏名とメモ。「絶対に」含まれない:口座番号・SSN・受取人氏名・パスワード・AI 会話履歴。',
      'tax.cpa.download':                   'Markdown でダウンロード',
      'tax.cpa.refineWithAi':               'AI で推敲',
      'tax.cpa.downloaded':                 '資料をダウンロードしました',

      // タイガンに聞く — コンテキスト付きオープン
      'ask.context.blocked':                'タイガンに聞くは現在 AI 利用同意設定で無効化されています。設定 → AI 利用同意で有効化するか、"ask_taigan" の機能別上書きを設定してください。',

      'assets.summary.total': 'ポートフォリオ合計',
      'assets.summary.usd': 'USD',
      'assets.summary.jpy': 'JPY (≈)',
      'assets.summary.us': '米国口座',
      'assets.summary.jp': '日本口座',
      'assets.summary.bywrapper': '税制区分別',
      'assets.summary.none': '集計対象の有効な口座がありません。',
      'assets.summary.fxnote': '通貨をまたぐ合計は計画用 FX レートで換算されます。口座個別または設定で上書き可能です。',

      'assets.group.byinst': '金融機関別に表示',
      'assets.group.bywrapper': '税制区分別に表示',
      'assets.group.bycountry': '国別に表示',

      'assets.field.institution': '金融機関',
      'assets.field.institution.help': 'Empower、Schwab、横浜銀行など。',
      'assets.field.name': '口座名',
      'assets.field.name.help': '一覧でわかりやすい名称(例:Roth IRA、ソニー銀行普通預金 など)。',
      'assets.field.country': '国',
      'assets.field.country.us': 'アメリカ',
      'assets.field.country.jp': '日本',
      'assets.field.country.other': 'その他',
      'assets.field.tax_wrapper': '税制区分・口座種別',
      'assets.field.currency': '通貨',
      'assets.field.balance': '現在残高',
      'assets.field.balance.native': '残高 ({{currency}})',
      'assets.field.basis': '取得原価',
      'assets.field.basis.help': '課税口座および不動産用。米国 LTCG と住民票登録後の日本側税額計算に必要です。',
      'assets.field.notes': 'メモ',
      'assets.field.notes.help': '口座番号下4桁、受取人、利率、年度内拠出額など、覚えておきたい情報。',
      'assets.field.updated_at': '最終更新',
      'assets.field.include_in_sofa': 'SOFA Roth プランナーの集計に含める',
      'assets.field.include_in_sofa.help': '529 プラン・お子様口座など、シーケンス計算に含めたくないものはチェックを外してください。',
      'assets.field.close_date': '解約・満期日',
      'assets.field.transfer_to': '解約時の振替先口座',

      'assets.wrapper.traditional_ira':       'Traditional IRA',
      'assets.wrapper.traditional_401k_tsp':  'Traditional 401(k) / TSP',
      'assets.wrapper.roth_ira':              'Roth IRA',
      'assets.wrapper.roth_401k':             'Roth 401(k)',
      'assets.wrapper.taxable_brokerage':     '課税ブローカレッジ',
      'assets.wrapper.hsa':                   'HSA',
      'assets.wrapper.rsu_unvested':          '未確定 RSU',
      'assets.wrapper.nso_iso':               'NSO・ISO ストックオプション',
      'assets.wrapper.deferred_comp':         '繰延報酬',
      'assets.wrapper.us_real_estate':        '米国不動産',
      'assets.wrapper.us_savings_bond':       '米国貯蓄国債 (Series I / EE)',
      'assets.wrapper.us_treasury':           '米国財務省証券 (T-Bill / Note / Bond / TIPS)',
      'assets.wrapper.us_checking':           '米国当座預金',
      'assets.wrapper.us_savings':            '米国普通預金・MMA',
      'assets.wrapper.us_cd':                 '米国 CD・シェア証書',
      'assets.wrapper.jp_savings':            '日本の普通預金',
      'assets.wrapper.jp_checking':           '日本の当座預金',
      'assets.wrapper.jp_fixed_deposit':      '定期・定額貯金',
      'assets.wrapper.529':                   '529 大学資金',
      'assets.wrapper.other':                 'その他',

      'assets.modal.add.title':  '口座を追加',
      'assets.modal.edit.title': '口座を編集',
      'assets.modal.save': '保存',
      'assets.modal.cancel': 'キャンセル',
      'assets.modal.delete.confirm': '本当にこの口座を削除しますか?隠したいだけなら「解約・アーカイブ」をご利用ください。',

      'assets.stale.fresh': '本日更新',
      'assets.stale.recent': '{{days}}日前に更新',
      'assets.stale.warn': '⚠ 古い情報です ({{months}}か月)',
      'assets.stale.never': '未更新',

      'assets.gotosofa': 'SOFA Roth プランナーを開く',
      'assets.archived.label': '解約済み',

      // Phase 2 — アップロード + 抽出
      'assets.upload.title': '明細をアップロードして自動入力',
      'assets.upload.button': '📎 明細をアップロード',
      'assets.upload.help': 'PNG / JPG / WEBP / GIF / PDF(最大 10MB)。「アップロード」をクリック または このカードにファイルをドラッグ&ドロップ。Claude に送信して一度だけ項目を抽出します。Anthropic 側にはリクエスト処理以外の保存はありません。',
      'assets.upload.drop': '明細をドロップして抽出',
      'assets.upload.ex.passbook.title':    '日本の通帳',
      'assets.upload.ex.passbook.body':     '通帳の写真・スキャン(複数ページ可)。Claude が取引履歴・最高残高・据置満了日・満期日を読み取ります。',
      'assets.upload.ex.pdf.title':         '銀行 PDF 明細',
      'assets.upload.ex.pdf.body':          '銀行・証券会社からの月次・年末 PDF。複数ページ・複数口座でも一括抽出します。',
      'assets.upload.ex.screenshot.title':  'ネットバンキング画面',
      'assets.upload.ex.screenshot.body':   '口座一覧ページのスクリーンショットでも OK。Navy Federal・USAA・Schwab・横浜銀行などに便利。',
      'assets.upload.ex.letter.title':      '口座通知書・写真',
      'assets.upload.ex.letter.body':       '郵送された明細書・年末通知、銀行から受け取った書類のスマホ写真でも可。',
      'assets.upload.passbook.tip':         'ヒント:日本の通帳は各ページを順に撮影すれば、複数ページを 1 つの口座記録として残高履歴付きで取り込めます。',
      'assets.upload.no_key': 'ドキュメント機能を使うには、設定から Claude API キーを登録してください。',
      'assets.upload.go_settings': '設定を開く →',
      'assets.upload.processing': '{{filename}} から抽出中…',
      'assets.upload.done': '{{filename}} から自動入力しました(費用 ≈ ${{cost}})。保存前に必ず全項目を確認してください。',
      'assets.upload.bulkadded': '✓ {{filename}} から {{count}} 件の口座を追加しました(費用 ≈ ${{cost}})。各行を編集して不足項目を補完してください。',
      'assets.upload.partial': '一部項目が読み取れませんでした。空欄を手動で確認してください。',
      'assets.upload.error': '抽出に失敗しました: {{message}}',
      'assets.upload.observed': 'このページに他の口座も写っています(別途追加してください): {{names}}',

      // Phase 2 — 受取人
      'assets.field.beneficiary': '受取人 (POD / TOD)',
      'assets.field.beneficiary.help': '自由記述。個人名・信託・慈善団体・法人など。Survivor Binder(緊急時の引継書類)エクスポートで使用されます。',
      'assets.field.account_number_last4': '口座番号(下4桁のみ)',
      'assets.field.account_number_last4.help': '「下4桁が1234の口座」のような区別用。完全な口座番号はここに入れないでください。',

      // Phase 2 — 解約期日カウントダウン
      'assets.lifecycle.future':  '📅 {{date}} 解約予定 (あと {{days}} 日)',
      'assets.lifecycle.soon':    '⚠ {{date}} 解約予定 (あと {{days}} 日) — 要確認',
      'assets.lifecycle.today':   '⚠ 本日解約日 ({{date}})',
      'assets.lifecycle.past':    '⚠ 解約日経過 ({{date}}) — 精算または延長要',
      'assets.lifecycle.transferto': '→ 振替先: {{target}}',

      // Phase 4 — ライブ FX 取得
      'assets.fx.live':         'ライブ (Treasury, {{asOf}} 時点)',
      'assets.fx.hardcoded':    '暫定レート(「更新」でライブに切替)',
      'assets.fx.refresh':      'Treasury から更新',
      'assets.fx.refreshing':   '更新中…',
      'assets.fx.fetchedAt':    '· 取得日時 {{when}}',
      'assets.fx.error':        'FX 更新失敗: {{message}}',

      // Phase 4 — Survivor Binder 出力
      'assets.binder.print':    '🖨 緊急時口座一覧を印刷',

      // Phase 5 — 資産配分
      'assets.alloc.label':         '資産配分',
      'assets.alloc.help':          'この口座の投資内訳。上の税制区分から既定値を推定します。実際の保有内容に合わせて %を上書きしてください。保存時に自動で 100% に正規化されます。',
      'assets.alloc.useDefault':    '既定値を使用',
      'assets.alloc.sum':           '合計:',
      'assets.alloc.equity_us':     '米国株式',
      'assets.alloc.equity_intl':   '海外株式',
      'assets.alloc.bond':          '債券',
      'assets.alloc.cash':          '現金',
      'assets.alloc.real_estate':   '不動産',
      'assets.alloc.alternative':   'オルタナティブ',
      'assets.alloc.portfolio.title': 'ポートフォリオ全体の配分',
      'assets.alloc.notarget':      '目標配分を設定すると乖離が表示されます。',
      'assets.alloc.drift.tip':     '目標: {{target}}%',
      'assets.alloc.drift.summary': '目標からの乖離: ポートフォリオの {{pct}}% が目標外',

      // Phase 5 — 目標配分モーダル
      'assets.alloc.target.button': '🎯 目標配分',
      'assets.alloc.target.title':  '目標配分',
      'assets.alloc.target.help':   '理想とする資産配分。サマリーカードで乖離が表示されます。合計 100% で保存(自動正規化)。',
      'assets.alloc.target.preset': '60 / 30 / 10 プリセット',
      'assets.alloc.target.clear':  '全クリア',
      'assets.alloc.target.remove': '目標を削除',

      // Phase 5 — AI 補強チェーン
      'assets.upload.enrichToggle': '金融機関のメタデータも自動取得 (本店・サポート番号・税制区分のリマインダー)',
      'assets.upload.enriching':    '金融機関情報を取得中…',
      'assets.upload.enrichDone':   '+ 金融機関情報を追加しました (費用 ≈ ${{cost}})',
      'assets.upload.enrichEmpty':  '追加情報は返ってきませんでした。',
      'assets.upload.enrichError':  '補強をスキップ: {{message}}',

      // Phase 5 — スナップショット
      'assets.snapshot.button':         '📸 スナップショット',
      'assets.snapshot.title':          '残高スナップショット',
      'assets.snapshot.help':           '全有効口座の凍結コピー。経年成長の追跡や、一括再アップロード前のバックアップに利用できます。',
      'assets.snapshot.label.placeholder': '任意のラベル(例:「2026 年末」)',
      'assets.snapshot.take':           '今スナップショットを取得',
      'assets.snapshot.empty':          'スナップショットはまだありません。大きな変更前に取得しておくのがおすすめです。',
      'assets.snapshot.col.date':       '日付',
      'assets.snapshot.col.label':      'ラベル',
      'assets.snapshot.col.total':      '合計 (USD)',
      'assets.snapshot.col.delta':      '前回比 Δ',
      'assets.snapshot.confirmDelete':  'このスナップショットを削除しますか?元に戻せません。',

      'assets.modal.close':             '閉じる',

      // Phase 4 — FBAR ↔ Assets 統合
      'assets.fbar.banner.title':   'FBAR の口座 {{count}} 件がポートフォリオに未反映',
      'assets.fbar.banner.help':    'FBAR トラッカーにアップロード済みですが、Assets サマリー・予測にはまだ反映されていません。「インポート」で取り込めます。対象はあなたが申告者として登録されている口座のみ(子・配偶者単独名義の口座は除外、共同名義は含まれます)。',
      'assets.fbar.banner.more':    '件',
      'assets.fbar.banner.import':  'インポート',
      'assets.fbar.banner.openFbar': 'FBAR を開く',
      'assets.fbar.banner.imported': '✓ FBAR から {{count}} 件をインポートしました。税制区分・配分を確認・編集してください。',
      'assets.fbar.linked.label':   'FBAR 連携',
      'assets.fbar.linked.tip':     'FBAR トラッカー由来の口座。金融機関名・通貨・下4桁・残高は FBAR から自動同期されます。クリックで FBAR を開く。',
      'assets.fbar.linked.detail':  '金融機関名・通貨・下4桁・残高は Assets を開く度に FBAR から自動同期。税制区分・配分・受取人・メモはユーザー編集が保持されます。',
      'assets.fbar.detach.button':  '🔗⃝ FBAR 連携を解除',
      'assets.fbar.detach.confirm': 'この口座と FBAR の連携を解除しますか?今後、FBAR の残高更新がここに反映されなくなります。Assets 上の口座自体は残ります — リンクのみ削除。',

      // ─── 将来予測モジュール ─────────────────────────────────────
      'proj.title':              '将来予測 (Projections)',
      'proj.subtitle':           '年単位の資産推移予測です。蓄積期から退職後まで、米国税 + 日本税(住民票取得後)、社会保障、枯渇リスクを含みます。',
      'proj.badge':              '計画',
      'proj.tab.projection':     '予測',
      'proj.tab.inputs':         '入力',
      'proj.tab.tax_strategy':   '税戦略',
      'proj.empty':              '予測データがありません。入力タブで初期パラメータを設定してください。',

      'proj.section.career':       'キャリア',
      'proj.section.retirement':   '退職時期',
      'proj.section.draw':         '取り崩し',
      'proj.section.growth':       '運用利回り想定 (資産クラス別)',
      'proj.section.drawdown':     '取り崩し優先順位',
      'proj.section.drawdown.help': '退職後にどの口座から先に取り崩すか。デフォルトは税効率優先(課税口座・銀行系→繰延税口座→Roth)。矢印で並べ替え可能。',

      'proj.field.base_salary':            '基本給 (USD)',
      'proj.field.base_salary.help':       '初年度の年間総給与。給与成長率で毎年複利成長。',
      'proj.field.salary_growth':          '給与成長率 (%/年)',
      'proj.field.salary_growth.help':     '退職まで毎年複利。',
      'proj.field.contrib_401k':           '401(k) 自己拠出 (%)',
      'proj.field.contrib_401k.help':      '給与に対する繰延率。IRS 上限・50歳以上のキャッチアップ反映。',
      'proj.field.employer_match':         '雇用主マッチ上限 (給与の%)',
      'proj.field.employer_match.help':    '雇用主拠出の合計上限(例:LM の 100%-on-6% + 4% 自動 = 10%)。',
      'proj.field.catch_up':               '50歳以上キャッチアップを有効化',
      'proj.field.catch_up.help':          '50歳から $7.5k 加算、SECURE 2.0 で 60-63 歳は $11.25k。上限はインフレ年 2.5% で増加。',

      'proj.field.current_age':            '現在の年齢',
      'proj.field.retire_age':             '退職年齢',
      'proj.field.retire_age.help':        '給与停止・取り崩し開始の年齢。',
      'proj.field.ss_start_age':           '社会保障受給開始年齢',
      'proj.field.ss_start_age.help':      '早ければ少なめ(62歳=70%)、遅らせれば多め(70歳=124%)。FRA = 67歳。',
      'proj.field.ss_monthly':             '70歳時点の月額 SS (USD)',
      'proj.field.ss_monthly.help':        '繰下げ最大時の月額。実際の開始年齢でツールが自動換算。',
      'proj.field.project_to_age':         '予測終了年齢',

      'proj.field.withdrawal_rate':        '取り崩し率 (%/年)',
      'proj.field.withdrawal_rate.help':   '既定 4%。年間取り崩し = 残高 × この%。月額目標を入れた場合は無視。',
      'proj.field.monthly_target':         '月額目標 (USD, 任意)',
      'proj.field.monthly_target.help':    '固定月額を入力。上の % より優先。空欄なら % を使用。',

      'proj.field.growth_equity_us':       '米国株式 (%/年)',
      'proj.field.growth_equity_intl':     '海外株式 (%/年)',
      'proj.field.growth_bond':            '債券 (%/年)',
      'proj.field.growth_cash':            '現金/MM (%/年)',
      'proj.field.growth_real_estate':     '不動産 (%/年)',
      'proj.field.growth_alternative':     'オルタナ (%/年)',
      'proj.field.dampener':               '退職後リスク低減率 (%)',
      'proj.field.dampener.help':          '退職後は各クラスの利回りにこの%を乗算(債券・現金比率上昇前提)。既定 70%。',
      'proj.field.floor':                  '退職後の利回り下限 (%)',
      'proj.field.floor.help':             '配分にかかわらず適用される最低利回り。既定 4%。',

      // Phase 4 — 税制詳細
      'proj.section.taxdetail':            '税制詳細',
      'proj.field.filing_status':          '申告区分',
      'proj.field.filing_status.help':     'NIIT・IRMAA の閾値を決定。MFJ の閾値は単身の約 2 倍(下位ブラケット)。',
      'proj.field.state_tax':              '州税 (%)',
      'proj.field.state_tax.help':         '全課税所得に均一適用。0 = 非居住者または所得税ゼロ州(FL・TX・NV・WA 等)。予測用の単純化(実際の州税は累進)。',
      'proj.field.ss_cola':                '社会保障 COLA (%/年)',
      'proj.field.ss_cola.help':           '退職後の SS 給付金に毎年適用するインフレ調整率。長期平均約 2.5%。',
      'proj.field.niit':                   'NIIT(投資所得 3.8%、MAGI 閾値超過時)を適用',
      'proj.field.niit.help':              '純投資所得税。MAGI が申告区分別の閾値($20万単身/$25万 MFJ、物価連動)を超えた場合に適用。',
      'proj.field.irmaa':                  'IRMAA(65歳以上のメディケア所得連動加算)を適用',
      'proj.field.irmaa.help':             '2 年前の MAGI に基づくメディケア Part B+D の保険料加算。$69-$416/月/人(閾値超過の階層別)。',

      // Phase 4 — 月次イベント
      'proj.section.monthly_events':       '月次イベント(月別内訳に反映)',
      'proj.field.bonus_month':            'ボーナス支給月 (1-12)',
      'proj.field.bonus_month.help':       'ボーナスが支払われる暦月。3 = 3 月(米国テック / 会計年度型企業に多い)。',
      'proj.field.bonus_pct':              'ボーナス(基本給に対する%)',
      'proj.field.bonus_pct.help':         '0 = ボーナスなし。設定すると、月次分配からその割合分が抜き出され、bonus_month に一括計上されます。',

      // Phase 4 — 税戦略コールアウト
      'proj.tax.niit.title':               'NIIT(純投資所得税)',
      'proj.tax.niit.body':                'MAGI 閾値($20万単身 / $25万 MFJ)超過分の投資所得に 3.8%。通常税 + LTCG に上乗せ。外国税額控除では相殺不可。現状の予測は閾値以下 — Roth 変換 / LTCG 実現の余地あり。',
      'proj.tax.niit.applies':             '⚠ 退職後の年で NIIT が発生 — 予測期間合計 {{total}}。MAGI を閾値以下に保つよう Roth 変換と LTCG 実現タイミングを調整。',
      'proj.tax.irmaa.title':              'IRMAA(メディケア保険料加算・65 歳〜)',
      'proj.tax.irmaa.body':               'メディケア Part B+D 保険料は 2 年前の MAGI に基づき上昇。閾値($10.3万単身 / $20.6万 MFJ、2024)以下なら標準保険料のみ。現状の予測は閾値以下。',
      'proj.tax.irmaa.applies':            '⚠ {{year}}年(年齢 {{age}})から IRMAA 発生 — 予測期間合計 {{total}}。63歳の大型所得イベント(Roth 変換)は 65歳の保険料に影響。',
      'proj.tax.state.title':              '州税',
      'proj.tax.state.body':               '{{pct}}% の州税レートを設定中。全課税所得(就労給与 + 退職分配 + Roth 変換)に適用。日本居住・非居住者扱いの米国人は通常 0%。',

      // Phase 4 — CSV エクスポート
      'proj.table.csv':                    'CSV エクスポート',

      'proj.tiles.title':            '主要数値',
      'proj.tile.portfolio_at_retire': '退職時残高',
      'proj.tile.monthly_draw':      '退職時の月額取り崩し',
      'proj.tile.ss_monthly':        '社会保障 月額',
      'proj.tile.total_monthly':     '退職後 月収合計 (税引後)',
      'proj.tile.portfolio_at_80':   '80歳時残高',
      'proj.tile.portfolio_at_90':   '90歳時残高',
      'proj.tile.depletion':         '枯渇',
      'proj.tile.at_age':            '{{age}}歳時点',
      'proj.tile.depleted_at':       '{{age}}歳で枯渇',
      'proj.tile.no_depletion':      '予測期間中に枯渇なし',

      'proj.chart.title':            'ポートフォリオ推移',
      'proj.chart.help':             '税制区分別に積み上げた棒グラフ(蓄積期)。金線 = 合計残高。緑破線 = 月収(右軸)。縦線 = 退職と住民票登録のタイミング。',
      'proj.chart.axis_left':        '残高 (USD)',
      'proj.chart.axis_right':       '月収 (USD)',
      'proj.chart.retire':           '退職',
      'proj.legend.total':           '合計残高',
      'proj.legend.income':          '月収',
      'proj.legend.roth_marker':     'Roth コンバージョン',
      'proj.legend.event_marker':    '口座イベント',
      'proj.legend.retire':          '退職',
      'proj.legend.no_wrappers':     '(この範囲に該当する税制区分なし)',
      'proj.chart.zoomHint':         'ズーム: 年クリックで絞込み · Shift+クリックで範囲指定 · 再クリックで解除',
      'proj.chart.clearZoom':        'ズーム解除',
      'proj.chart.hover.empty':      'チャート上にカーソルを当てて年次詳細を表示。',
      'proj.chart.hover.total':      '合計',
      'proj.compare.chart.title':    '残高推移(オーバーレイ表示)',

      'proj.table.title':            '年次内訳表',
      'proj.table.help':             '住民票後の年は背景色付き。注記セルにカーソルを当てると全文表示、または行クリックで月次内訳を展開すると節目が完全表示されます。',
      'proj.table.col.year':         '年',
      'proj.table.col.age':          '年齢',
      'proj.table.col.phase':        'フェーズ',
      'proj.table.col.salary':       '給与',
      'proj.table.col.contrib':      '+ 拠出',
      'proj.table.col.total':        '残高',
      'proj.table.col.draw':         '取崩',
      'proj.table.col.us_tax':       '米国税',
      'proj.table.col.jp_tax':       '日本税',
      'proj.table.col.penalty':      'ペナルティ',
      'proj.table.col.ss':           'SS',
      'proj.table.col.net_mo':       '月額純',
      'proj.table.col.notes':        '注記',
      'proj.phase.accum':            '蓄積',
      'proj.phase.dist':             '取崩',

      'proj.milestone.retire':       '退職',
      'proj.milestone.ss_start':     'SS 開始',
      'proj.milestone.catch_up':     '50歳以上キャッチアップ可',
      'proj.milestone.medicare':     'メディケア(65歳)',
      'proj.milestone.rmd':          'RMD 年齢(73歳)',
      'proj.milestone.juminhyou':    '住民票登録 — 日本課税開始',
      'proj.milestone.depleted':     '⚠ 残高枯渇',
      'proj.milestone.catch_up_secure': 'SECURE 2.0 強化キャッチアップ(60-63歳)',
      'proj.milestone.catch_up_revert': 'キャッチアップが標準 $7.5K に戻る(64歳〜)',
      'proj.milestone.rule_of_55':   '🎯 Rule of 55 — 401(k)/TSP の早期出金ペナルティ免除',
      'proj.milestone.age_59_half':  '59½歳 — 全早期出金ペナルティ終了',
      'proj.milestone.section_603':  'Section 603: キャッチアップを Roth に振分(高所得者)',
      'proj.milestone.section_603_no_roth': '⚠ Section 603 適用だが Roth 401(k) なし — 開設要',

      'proj.tax.juminhyou.title':    '住民票への移行',
      'proj.tax.juminhyou.future':   '住民票登録予定日: {{date}}(あと {{days}} 日)。それ以前の Roth コンバージョン・LTCG 実現は米国課税のみ、それ以後は日本でも通常所得として課税。SOFA Roth プランナー参照。',
      'proj.tax.juminhyou.past':     '住民票登録済み: {{date}}。以後の取崩はすべて米国 + 日本の二重課税対象。',
      'proj.tax.juminhyou.unset':    '住民票登録予定日が未設定。SOFA Roth プランナー → プロファイルで設定してください — 日本課税の開始時期が決まります。',
      'proj.tax.rmd.title':          'RMD(必須最低分配)',
      'proj.tax.rmd.now':            'RMD 年齢(73歳)に到達済み。Traditional IRA・401(k) の分配は IRS 最低額を超えないと 25% の excise 課税。',
      'proj.tax.rmd.future':         '初回 RMD 年: {{year}}年(年齢 {{age}})。それまでは繰延税口座は強制分配なしで成長可能。',
      'proj.tax.bracket.title':      'ブラケット充填の機会',
      'proj.tax.bracket.body':       '現在の米国限界税率想定: {{pct}}%。低所得年(早期退職〜SS 開始の間など)に、{{pct}}% で先に税を払って Roth コンバージョンを進めると、将来の高税率を回避できます。',
      'proj.tax.rothwindow.title':   '⚠ Roth コンバージョン猶予:あと {{days}} 日',
      'proj.tax.rothwindow.body':    '{{date}} の住民票登録 BEFORE に Traditional → Roth を完了させてください。住民票後は日本側がコンバージョン額を通常所得として課税します(国税 20-45% + 住民税 10%)。',
      'proj.tax.pfic.title':         '⚠ PFIC リスク:投資信託・NISA・iDeCo の購入は避ける',
      'proj.tax.pfic.body':          '日本居住者となった米国人は、日本籍投資信託・ETF・NISA・iDeCo を保有すると PFIC 扱いとなり、米国税法上きわめて不利(高金利課税、LTCG レート不適用、毎年 8621 申告)。米国籍ファンドのみで運用してください。',

      // Phase 3 — 日本居住者向け税戦略
      'proj.tax.jp.section.title':   '日本居住者向け税戦略',
      'proj.tax.jp.section.help':    'SOFA 適用中・適用終了後を問わず、日本の税務上の居住者(またはその予定者)に該当する全員が対象。米国人にとって日本の伝統的な節税手法の多くは PFIC で無効化されますが、有効に機能するものを以下にまとめています。',

      'proj.tax.nisa.title':         '⚠ NISA / iDeCo:米国人には PFIC リスク',
      'proj.tax.nisa.body':          'NISA は 2024 年に拡充(年 ¥3.6M、生涯 ¥18M)、iDeCo は日本側で所得控除あり。しかし両者とも日本籍投資信託で運用 → 米国税法上 PFIC 扱い。QEF/MTM 選択は懲罰的、ファンドごと年間 $1,500-3,000 の 8621 申告費用、LTCG レート不適用、相続時の取得価額ステップアップなし。日本側の節税効果が米国側のコストを上回ることはありません。米国人ではない配偶者のみ利用可。',

      'proj.tax.furusato.title':     '✓ ふるさと納税:米国人にも有効',
      'proj.tax.furusato.body':      'ふるさと納税は日本住民税からの控除(¥2,000 を除く)+ 寄附額の約30%相当の返礼品。NISA/iDeCo と異なり寄附行為のため PFIC 問題なし。日本居住者全員に有効。前年所得から limit を furusato-tax.jp 等で算出。',

      'proj.tax.jpinheritance.title': '⚠ 相続税:居住 10 年で全世界資産が対象に',
      'proj.tax.jpinheritance.body': '日本居住 10 年以上で日本相続税(10-55% 累進)の対象が全世界資産に拡大 — 米国 401(k)・IRA・証券口座・不動産も含む。米日相続税条約でも完全には消えません。10 年経過前の対策が肝要:非居住の相続人への生前贈与、信託の活用、または 10 年以内の出国検討。10 年目が決定的な分岐点。',

      // Phase 4 監査 — 相続税対策
      'proj.tax.jpinhmitigation.section.title':
        '相続税の合法的軽減策',
      'proj.tax.jpinhmitigation.section.help':
        '上記の相続税リスクに対する合法的な軽減手段。抜け穴ではなく、税法に明文化された控除・特例・タイミング戦略です。すべて早期計画が効果を最大化 — 必ず税理士に相談してください。出典:国税庁(NTA)相続税概要。',
      'proj.tax.jpinhmit.section.references': '出典:',

      'proj.tax.jpinhmit.gifting.title':
        '1. 暦年贈与 — 受贈者一人あたり年 ¥110 万まで非課税',
      'proj.tax.jpinhmit.gifting.body':
        '贈与者・受贈者ペアごとに暦年あたり ¥110 万まで非課税(無期限)。夫婦から子 2 人へ = 年間 ¥440 万を将来の遺産から除外。20 年で ¥8,800 万、相続税で ¥2,000 万以上の節税可能性。注意:贈与から 7 年以内に贈与者が死亡した場合は遺産に持ち戻し(2024 年改正で 3 年→ 7 年に延長)。死亡予測の 8 年以上前から開始が望ましい。¥110 万超は 10-55% の贈与税。',

      'proj.tax.jpinhmit.spouse.title':
        '2. 配偶者控除 — ¥1.6 億円(または相続財産の 50%)まで非課税',
      'proj.tax.jpinhmit.spouse.body':
        '配偶者は相続分の最初の ¥1.6 億円(または相続財産全体の 50% のいずれか大きい方)について相続税ゼロ。日本相続制度で最も寛大な規定。戦略上の留意点:配偶者にすべて相続させると一次相続の税は最小化されますが、配偶者の死亡時(二次相続)に同じ資産が配偶者控除なしで再課税されます。多くの場合、配偶者 50-60% / 子 40-50% の配分で二段階負担を平準化するのが最適。',

      'proj.tax.jpinhmit.lifeinsurance.title':
        '3. 生命保険非課税枠 — 法定相続人 1 人あたり ¥500 万',
      'proj.tax.jpinhmit.lifeinsurance.body':
        '法定相続人に支払われる生命保険金は、相続人 1 人あたり ¥500 万まで非課税(4 人家族 = ¥2,000 万)。基礎控除(¥3,000 万 + 法定相続人 × ¥600 万)とは別枠。日本国内の定期保険等で利用可能。課税対象の現金を非課税の死亡保険金に変換できる。高齢になってからの少額契約でも ¥500 万/人の枠を確保できる。',

      'proj.tax.jpinhmit.smallres.title':
        '4. 小規模宅地等の特例 — 自宅敷地の評価額を 80% 減',
      'proj.tax.jpinhmit.smallres.body':
        '配偶者または同居する相続人が引き継いで居住する場合、自宅敷地(330m² まで)の課税評価額が 80% 減。¥2 億の東京の自宅 → 相続税評価額 ¥4,000 万、相続税で ¥4,000-6,000 万の節税可能。条件:相続人が配偶者・同居の子、または持ち家のない子(「家なき子」ルール)。被相続人の居住用住宅であること。申告期限まで保有継続。',

      'proj.tax.jpinhmit.education.title':
        '5. 教育資金一括贈与 — 孫等への ¥1,500 万まで非課税',
      'proj.tax.jpinhmit.education.body':
        '祖父母から孫への教育資金贈与:¥1,500 万(学校外教育は ¥500 万)まで非課税。指定金融機関の信託口座で管理、教育費発生時に領収書で引き出し。30 歳到達(または受贈者死亡)時に未使用残額が課税対象に。世代飛ばしによる相続税圧縮に有効。',

      'proj.tax.jpinhmit.marriage.title':
        '6. 結婚・子育て資金一括贈与 — ¥1,000 万まで非課税',
      'proj.tax.jpinhmit.marriage.body':
        '教育資金贈与と類似:結婚費用(¥300 万サブキャップ)・子育て費用(合計 ¥1,000 万)まで非課税。受贈者は 18-49 歳。指定信託口座で管理。50 歳(または受贈者死亡)時に未使用残額が課税対象。教育資金贈与より使用頻度は低いが利用可能。',

      'proj.tax.jpinhmit.realestate.title':
        '7. 不動産評価減 — 路線価で市場価格の 60-80%',
      'proj.tax.jpinhmit.realestate.body':
        '日本の不動産は相続税評価で国税庁公示の路線価(または固定資産税評価額)を使用、通常市場価格の 70-80%。¥5 億の不動産購入で実質 ¥1-1.5 億を相続課税ベースから除外。富裕層が退職時に現金を不動産に変換する主な理由。注意:流動性、維持管理、相続の複雑性、JP 法人/ファンド経由の場合は PFIC リスク。',

      'proj.tax.jpinhmit.rental.title':
        '8. 賃貸物件 — 収益物件はさらに 30% 減',
      'proj.tax.jpinhmit.rental.body':
        '路線価減に加え、賃貸中の不動産は借家権割合(通常 21-30%)分が追加減額。建物部分も賃貸中は別途約 30% 減額。合計:賃貸不動産は市場価格の 40-50% で相続税評価可能。「四室賃貸」戦略は日本の節税対策の定番。',

      'proj.tax.jpinhmit.adoption.title':
        '9. 養子縁組 — 法定相続人を増やして基礎控除を拡大',
      'proj.tax.jpinhmit.adoption.body':
        '法定相続人 1 人増加で基礎控除が ¥600 万増、生命保険非課税枠が ¥500 万増。実子がいる場合は養子 1 人、いない場合は 2 人まで法定相続人にカウント可。孫養子は 20% 加算課税の対象だが、基礎控除拡大効果が上回ることが多い。日本の養子縁組は法的・社会的影響を伴う本物の身分関係 — 税理士と弁護士の両方に相談を。',

      'proj.tax.jpinhmit.settlementtax.title':
        '10. 相続時精算課税制度 — 累計 ¥2,500 万まで贈与税ゼロ',
      'proj.tax.jpinhmit.settlementtax.body':
        '60 歳以上の贈与者から 18 歳以上の受贈者への選択制度:累計 ¥2,500 万までの贈与は贈与税ゼロ、ただし死亡時に贈与時の評価額で遺産に持ち戻し。値上がり予想資産の早期移転に有効(現在の低い評価額をロックイン)。注意:一度選択すると当該贈与者・受贈者ペアでは暦年贈与に戻せない。2024 年改正後、年 ¥110 万の追加非課税枠が併用可能(こちらは持ち戻し対象外)。',

      'proj.tax.jpinhmit.preten.title':
        '11. ⚠ 居住 10 年前の窓口 — 最も強力で時間限定の手段',
      'proj.tax.jpinhmit.preten.body':
        '日本国籍以外の方は、日本居住 10 年未満の間は日本国内資産のみが相続税対象。11 年目から全世界資産が対象に。米国・ケイマン等の海外資産が多く 10 年目が近い場合の選択肢:(a) 非居住相続人への贈与で資産移転、(b) 10 年到達前に出国し、後日新たな居住期間で再入国、(c) 残す資産は全世界課税を受け入れつつ前述の対策を前倒し実行。10 年は閾値式 — 経過措置なし。',

      'proj.tax.jpinhmit.ustreaty.title':
        '12. 米日相続税条約 — 限定的な外国税額控除',
      'proj.tax.jpinhmit.ustreaty.body':
        '米日相続税条約は米国遺産税を日本相続税から控除可(逆も同様)— ただし限定的かつ複雑。米国遺産税の基礎控除は現在 $13.6M(2024、2026 年に半減予定)で、日本居住の米国人にとっては日本相続税の負担が米国を遥かに上回るため条約控除は実用的にあまり役立たない。これに依存した計画は避けてください。',

      'proj.tax.jpinhmit.notrust.title':
        '13. ⚠ 信託:米国信託は日本相続税対策には機能しない',
      'proj.tax.jpinhmit.notrust.body':
        'プロベイト回避のため米国でリビング・トラスト(撤回可能信託)を設定するのは一般的な米国相続対策ですが、日本相続税の遮蔽効果はありません。日本では信託資産は通常、税務上は委託者の所有とみなされます。一部の日本信託(高齢者向けの民事信託、重度障害者向けの特定贈与信託)には特定の税制処理がありますが、資産保護の手段ではありません。米国信託を設定済みの場合、日本長期居住前に解消・再構成すべきか税理士に相談を。',

      'proj.tax.jpexit.title':       '⚠ 出国税:有価証券 ¥1 億円の閾値',
      'proj.tax.jpexit.body':        '過去 10 年中 5 年以上日本居住者で、出国時に有価証券を ¥1 億円(現状 ~$66 万)以上保有していると、含み益にみなし譲渡課税。米国籍口座も含む。担保提供で繰延べ可。残高見直しで閾値以下を維持するか、5 年経過前の出国を検討。',

      'proj.tax.treaty17.title':     '日米租税条約・第 17 条(年金条項)',
      'proj.tax.treaty17.body':      '第17条は年金所得(401(k)・IRA・社会保障含む)を居住国でのみ課税と定めるが、米国の "saving clause" により米国市民には適用免除。実務上、日本居住の米国市民は両国で課税される。日本側で支払った税は米国側で外国税額控除(FTC)として控除請求し、二重課税を回避。Roth も同様 — 日本側は税制優遇を認めません。',

      'proj.tax.ftc.title':          '外国税額控除(FTC):日本の税額を米国申告で控除',
      'proj.tax.ftc.body':           '米国源泉の配当・利子・年金分配に対して日本で支払った税は、米国 1040 で外国税額控除(Form 1116)として請求可能。所得控除ではなく税額控除(ドル対ドル)。passive vs general income のバスケット分けに注意。FEIE 対象の勤労所得には使えません。これにより実効負担は max(米国税率, 日本税率) ≒ となり、合算ではなくなります。',

      'proj.tax.nhi.title':          '⚠ 国民健康保険:保険料の遅行性',
      'proj.tax.nhi.body':           '国民健康保険料は前年所得から計算され、毎年 6 月に再設定。Roth コンバージョン・ボーナス・RSU 権利確定など大きな所得イベントは翌年保険料を押し上げる(年 ¥1M 程度の上限あり)。Roth コンバージョン時の限界費用は日本所得税と合わせて 10% を超えることも。大型所得イベントのタイミング調整で NHI ジャンプを回避。',

      'proj.tax.ideco.title':        '配偶者の iDeCo(米国籍でない場合)',
      'proj.tax.ideco.body':         '配偶者が米国籍でなく日本居住者であれば、iDeCo は強力な節税ツール(配偶者にとって):年最大 ¥81.6 万を日本所得から控除、運用益非課税、60歳以降の取崩時のみ課税。NISA も同様。米国人配偶者がそれら口座に一切持分を持たない限り PFIC 問題なし。',

      'proj.tax.jpmortgage.title':   '住宅ローン控除',
      'proj.tax.jpmortgage.body':    '日本居住者の住宅所有者は、住宅ローン取得後の最初の 13 年間、年 ¥21-45.5 万を所得税から控除可(物件種別・省エネ性能・取得年で変動)。米国人居住者にも適用。日本での主たる住居を購入する退職計画なら活用検討。',
      'proj.tax.lifetime.title':     '生涯税額(予測期間の概算)',
      'proj.tax.lifetime.us':        '米国連邦税',
      'proj.tax.lifetime.jp':        '日本税(住民票後)',
      'proj.tax.lifetime.penalty':   '10% 早期出金ペナルティ(赤字 = 回避可能)',
      'proj.tax.lifetime.note':      'Phase 1 簡易モデル: traditional → 通常所得、taxable brokerage → 50% を LTCG、Treasury → 40% を利息扱い。州税・NIIT・メディケア IRMAA は未計算。比較用の目安としてご利用ください。',

      // Phase 2 — Rule of 55 + SECURE 2.0 + Section 603
      'proj.tax.rule55.title':       'Rule of 55(IRS 規則)',
      'proj.tax.rule55.applies':     '{{age}}歳での退職は Rule of 55 の対象 — 401(k) / TSP / 403(b) からの取崩に 10% ペナルティが課されません(所得税は通常通り)。Trad・Roth IRA には適用されない点に注意 — 59½歳前に 401(k) → IRA へロールオーバーすると優遇を失います。',
      'proj.tax.rule55.tooEarly':    '{{age}}歳での退職は Rule of 55 適用前です。59½歳前の各退職口座からの引出には 10% 連邦ペナルティ(HSA は 20%)。72(t) SEPP・課税口座を橋渡しに使う・退職年齢を 55 歳以上にずらす等の検討要。',
      'proj.tax.rule55.notNeeded':   '{{age}}歳(60歳以上)での退職 — すでに 59½歳の免除条件を満たしているため、全口座からの引出はペナルティなし。',
      'proj.tax.secure20.title':     'SECURE 2.0 キャッチアップ階層',
      'proj.tax.secure20.body':      '50歳以上 標準キャッチアップ:$7,500(物価連動)。Section 109 の強化キャッチアップ(60-63歳):$11,250。64歳以降は標準 $7,500 に復帰。すべて 2.5%/年 の物価調整。',
      'proj.tax.section603.title':   '⚠ Section 603:高所得者のキャッチアップは Roth 限定',
      'proj.tax.section603.routed':  '{{year}}年から、前年 FICA 賃金が $145K(物価調整)を超えるため SECURE 2.0 Section 603 によりキャッチアップ拠出は Roth 401(k) に限定されます。エンジンは自動的に Roth に振り分けています。',
      'proj.tax.section603.noRoth':  '{{year}}年から前年賃金が $145K(物価調整)を超えていますが、ポートフォリオに Roth 401(k) がありません。Section 603 によりキャッチアップは Roth 必須 — 口座を開設しないとキャッチアップ自体が無効化されます。(暫定的に Traditional 口座へ計上されています)',

      // Phase 2 — 予測コントロール / シナリオ / インフレ
      'proj.controls.title':         '予測コントロール',
      'proj.controls.no_cap':        '上限なし',
      'proj.controls.draw.help':     '4% = 一般的な安全引出率。低 = より保守的、高 = より積極的。',
      'proj.controls.monthly_target.help': '月額の取り崩しを実支出に合わせて固定。0 = 毎年%通りに引き出し。残高を長持ちさせやすい。',
      'proj.controls.view':          '表示',
      'proj.controls.nominal':       '名目',
      'proj.controls.real':          '実質',
      'proj.controls.view.help':     '実質 = 将来の $ を現在価値に換算(インフレ控除後)。名目 = 計算された未調整の $。',

      'proj.scenario.title':         'シナリオ',
      'proj.scenario.draft':         '(下書き — 未保存)',
      'proj.scenario.unsaved':       '· 未保存の変更あり',
      'proj.scenario.save':          '保存',
      'proj.scenario.saveAs':        '新規保存',
      'proj.scenario.duplicate':     '複製',
      'proj.scenario.namePrompt':    'シナリオ名:',
      'proj.scenario.deleteConfirm': 'シナリオ「{{name}}」を削除しますか?元に戻せません。',
      'proj.scenario.help':          '複数の「もしも」予測(55歳退職 vs 60歳、引出率 4% vs 3.5% など)を保存して切り替えられます。',
      'proj.scenario.compare':       '比較',

      // Phase 3 — Roth コンバージョン
      'proj.roth.title':             '🟢 Roth コンバージョン・ラダー',
      'proj.roth.help':               '年ごとに Traditional → Roth への変換を計画。各行で最大残高の Traditional 口座から最大の Roth 口座へ振替え、限界税率で課税されます。住民票登録前 = 米国税のみ。住民票登録後 = 米国 + 日本税(合算で 35-55% になりがち)。',
      'proj.roth.empty':              '変換計画なし。✨ ブラケット充填で提案を生成するか、+ 追加で手動作成してください。',
      'proj.roth.add':                '変換を追加',
      'proj.roth.fill.button':        'ブラケット充填を提案',
      'proj.roth.fill.prompt':        '毎年いくら変換しますか?(USD) 既定 $50K は米国 22% ブラケット内でよくある額です。',
      'proj.roth.fill.tooSoon':       '住民票・退職までの間に対象年がありません。',
      'proj.roth.clear.button':       '全クリア',
      'proj.roth.clear.confirm':      '計画中のすべての変換を削除しますか?',
      'proj.roth.row.age':            '({{age}}歳)',
      'proj.roth.row.postJ.tip':      'この変換は住民票登録後に行われます — 日本側でも通常所得として課税(米国税の上乗せ)。',

      // Roth ラダー最適化(v0.36)
      'proj.roth.optimize.button':    'ラダーを最適化',
      'proj.optimize.title':          'Roth 変換ラダー最適化',
      'proj.optimize.intro':          '目標の米国税率ブラケットを溢れずに埋める最適な年間変換額を計算。2025 年 IRS ブラケット(年次でインフレ調整)・各年の予測基本所得を使用、住民票登録後は計算対象外(日本側で通常所得として課税)。「適用」で現在のラダーを上書き、後から個別行を手動調整可能。',
      'proj.optimize.targetBracket':  '充填する税率',
      'proj.optimize.bracket':        '{{pct}}% ブラケット上限',
      'proj.optimize.maxPerYear':     '年間上限(任意)',
      'proj.optimize.noLimit':        '上限なし',
      'proj.optimize.windowNote':     '住民票登録は {{year}} 年。それ以降の変換は米国 + 日本の通常税率(合計 35-55% 程度)が適用されます。',
      'proj.optimize.stat.years':     '年数',
      'proj.optimize.stat.converted': '変換総額',
      'proj.optimize.stat.usTax':     '米国税(概算)',
      'proj.optimize.stat.effectiveRate': '実効税率',
      'proj.optimize.stat.unconverted':   '未変換 Trad 残高',
      'proj.optimize.col.year':       '年',
      'proj.optimize.col.age':        '年齢',
      'proj.optimize.col.baseIncome': '基本所得',
      'proj.optimize.col.bracketTop': 'ブラケット上限',
      'proj.optimize.col.convert':    '変換',
      'proj.optimize.col.cappedBy':   '制約',
      'proj.optimize.capped.bracket': 'ブラケット余裕分',
      'proj.optimize.capped.balance': 'Trad 残高',
      'proj.optimize.capped.window':  '住民票前の最終年',
      'proj.optimize.capped.partial': '部分充填',
      'proj.optimize.empty':          'この期間内で提案できる変換はありません。',
      'proj.optimize.noTradBalance':  'Traditional IRA / 401(k) の残高が登録されていません。先に Assets で口座を追加してください。',
      'proj.optimize.windowClosed':   '住民票登録は既に経過済み(または今年の予定)。変換ウィンドウは閉じています。',
      'proj.optimize.disclaimer':     '保守的な試算 — 実際の税額は申告書全体(控除・税額控除・キャピタルゲイン・州税)に依存。実数は CPA から確認してください。本ツールは計画の出発点としてご利用ください。',
      'proj.optimize.cancel':         'キャンセル',
      'proj.optimize.apply':          'ラダーを適用',
      'proj.optimize.close':          '閉じる',
      'proj.optimize.replaceConfirm': '現在の変換エントリを置き換えます。続行?',

      // ライフタイム税節税比較
      'proj.tax.savings.title':       'このラダーによるライフタイム節税',
      'proj.tax.savings.intro':       '変換を行わないケースとの比較です(同じ予測期間・同じ取崩順序で、変換のみゼロにした場合)。',
      'proj.tax.savings.usTotal':     'ライフタイム米国税',
      'proj.tax.savings.jpTotal':     'ライフタイム日本税',
      'proj.tax.savings.portfolioAt90': '90 歳時点のポートフォリオ',
      'proj.tax.savings.saves':       'このラダーは節税',
      'proj.tax.savings.costs':       'このラダーは追加コスト',
      'proj.tax.savings.lifetimeTax': '(ライフタイム税合計)',

      // Decumulation へのクロスリンク
      'proj.tax.decumulationLink.title': 'より深い退職戦略は「退職後の取崩し」モジュールで',
      'proj.tax.decumulationLink.body':  'Social Security 受給年齢の感応度(62 / FRA / 70)・WEP-GPO 廃止の背景・厚生年金 / 国民年金 / 任意加入の各パス・社会保障協定・日本居住者向け取崩し順序は、すべて Decumulation により詳細に掲載。Projections は見出し数値、Decumulation は作業場です。',
      'proj.tax.decumulationLink.open':  '退職後の取崩しを開く',

      // Inputs タブの SOFA ウィンドウ・バナー
      'proj.inputs.window.title':     '住民票登録まで {{years}} 年({{date}})',
      'proj.inputs.window.body':      '推定変換余地:22% ブラケットで {{n}} 年間 → 約 {{total}} 変換可能(平均 {{perYear}}/年)。Tax Strategy タブの最適化ツールで詳細調整 + 適用してください。',
      'proj.inputs.window.noOpps':    '現在の所得・残高では 22% ブラケットでの有利な変換機会は検出されません。最適化ツールで別の目標ブラケットをお試しください。',
      'proj.inputs.window.gotoOptimizer': '最適化ツールを開く',
      'proj.roth.summary.converted':  '変換総額',
      'proj.roth.summary.us_tax':     '変換に対する米国税',
      'proj.roth.summary.jp_tax':     '変換に対する日本税',
      'proj.roth.viewInSofa':         '戦略的な背景は SOFA Roth プランナーで確認',

      // Phase 3 — インフレ・スライダー
      'proj.controls.inflation':      'インフレ率',
      'proj.controls.inflation.side': '「実質」表示の控除に使用',
      'proj.controls.inflation.help': '2.5% は米国の長期平均。日本は歴史的に 0-1% 付近。高くすると実質ドルへの控除が強くなります。',

      // Phase 3 — 比較モーダル
      'proj.compare.title':           'シナリオ比較',
      'proj.compare.help':            '保存済みシナリオを 2 つ並べて比較し、主要指標・生涯税・予測終了時の純残高を確認します。',
      'proj.compare.scenarioA':       'シナリオ A',
      'proj.compare.scenarioB':       'シナリオ B',
      'proj.compare.lifetime':        '生涯税 + ペナルティ',
      'proj.compare.totalTax':        '合計負担',
      'proj.compare.verdict':         '✓ {{name}} が予測終了時点で {{margin}} 上回ります。',
      'proj.compare.verdict.lead':    '✓ {{name}} が予測終了時点で',
      'proj.compare.verdict.trail':   '上回ります。',

      // Phase 3 — 月次内訳
      'proj.table.row.expand':        'クリックで月次内訳を展開',
      'proj.monthly.help':            '月次表示では、年額を 12 で割り、イベントを実際の月に配置します。Phase 3 は簡易分割、Phase 4 で実際の月次イベント(給与・四半期ボーナス・納税月)をモデル化予定です。',
      'proj.monthly.col.month':       '月',
      'proj.monthly.col.salary':      '給与',
      'proj.monthly.col.contrib':     '+ 拠出',
      'proj.monthly.col.draw':        '取崩',
      'proj.monthly.col.tax':         '税 + ペナルティ',
      'proj.monthly.col.ss':          'SS',
      'proj.monthly.col.net':         '純額',
      'proj.monthly.col.events':      'イベント',

      // Phase 3 — Roth コンバージョン列 + 節目
      'proj.table.col.roth_conv':     'Roth 変換',
      'proj.milestone.roth_conversion': 'Roth コンバージョン',
      'proj.milestone.roth_conversion_no_trad': '⚠ 変換計画あるが Traditional 残高なし',
      'proj.milestone.roth_conversion_no_roth': '⚠ 変換計画あるが受け皿となる Roth 口座なし',

      'fbar.title': 'FBAR トラッカー',
      'fbar.subtitle': 'FinCEN Form 114(外国金融口座報告)',
      'fbar.tab.overview': '概要',
      'fbar.tab.filers': '申告者',
      'fbar.tab.accounts': '口座',
      'fbar.tab.balances': '年度別残高',
      'fbar.tab.print': 'サマリー印刷',
      'fbar.disclaimer.modal.title': '本モジュールについて',
      'fbar.disclaimer.modal.body': 'Taigan Bridge は FBAR(FinCEN Form 114)提出に必要な情報を整理するためのツールです。提出代行は行わず、専門家のアドバイスに代わるものではありません。FBAR の規則・基準額・為替レート・罰則は変更されることがあります。提出前に必ず fincen.gov で最新要件をご確認ください。過去年度を未提出の場合、IRS の Streamlined Filing Compliance Procedures に詳しい税理士・税務弁護士に相談してから行動してください。',
      'fbar.disclaimer.modal.acknowledge': '理解しました — 続ける',
      'fbar.banner.verify': '提出前に fincen.gov および fiscal.treasury.gov で最新の FBAR 規則と為替レートをご確認ください。',
      'fbar.banner.fx-unverified': '為替レートは要確認 — 提出前に fiscal.treasury.gov で照合してください。',
      'fbar.banner.encryption.notice': 'お知らせ:本ビルドではエクスポートしたバックアップは平文 JSON です。暗号化エクスポートは v0.3 で提供予定です。バックアップを本端末外へ持ち出す場合は、暫定的に OS レベルでパスワード付き ZIP 等として保護してください。',
      'fbar.banner.dismiss': '閉じる',

      'fbar.overview.title': 'FBAR 概要(世帯)',
      'fbar.overview.empty.no-filers': '申告者が未登録です。本人(および海外口座を持つ世帯員)を「申告者」タブから追加してください。',
      'fbar.overview.empty.no-accounts': '口座が未登録です。「口座」タブから海外金融口座を1件以上追加してください。',
      'fbar.overview.threshold.legend': '申告者ごとの年度合計(USD)。緑=$10,000 未満、橙=基準額以上(FBAR 要)、灰=データ不足。',
      'fbar.overview.threshold.required': '{{name}} さんは {{year}} 年度の FBAR 提出が必要です。bsaefiling.fincen.treas.gov から4月15日(自動延長で10月15日)までに提出してください。',
      'fbar.overview.filed.headline': 'FBAR 提出済み',
      'fbar.overview.filed.body': '{{name}} ・ {{year}} 年度 ・ {{date}} 提出{{bsa}}',
      'fbar.overview.threshold.under': '{{year}} 年度は基準額未満です。',
      'fbar.overview.threshold.missing': '{{year}} 年度はデータ不足です — 「年度別残高」タブで残高を入力してください。',
      'fbar.overview.minor-note': '未成年:親権者が代理署名できますが、FBAR は子本人の申告です。',
      'fbar.overview.signatory-note': '署名権限のみ(財務上の利害なし)— それでも FBAR の対象です。',
      'fbar.overview.quicklinks': 'クイックリンク',
      'fbar.overview.ql.add-account': '口座を追加',
      'fbar.overview.ql.add-balance': '残高を追加',
      'fbar.overview.ql.filing': '申告補助を開く',
      'fbar.overview.ql.print-year': '{{year}} 年度のサマリーを印刷',

      'fbar.filers.title': '世帯の申告者',
      'fbar.filers.intro': '対象口座に財務上の利害または署名権限を持つ各 U.S. person が、それぞれ FBAR を提出します。海外口座を持つ世帯員は全員追加してください(未成年も対象で、親権者の代理署名が可能です)。',
      'fbar.filers.add': '申告者を追加',
      'fbar.filers.empty': '申告者が未登録です。まずご本人を追加してください。',
      'fbar.filers.name_en': '氏名(英文表記)',
      'fbar.filers.name_jp': '氏名(カタカナ)',
      'fbar.filers.name_jp.help': '任意。日本の税理士と共有する際に便利です。',
      'fbar.filers.ssn_last4': 'SSN — 末尾4桁のみ',
      'fbar.filers.ssn_last4.help': '末尾4桁のみを入力してください。完全な SSN は入力しないでください。完全な番号は実際の提出時(FinCEN BSA E-Filing System)に必要であり、本ツールには不要です。',
      'fbar.filers.dob': '生年月日',
      'fbar.dob.year': '年',
      'fbar.dob.month': '月',
      'fbar.dob.day': '日',
      'fbar.filers.relationship': '続柄',
      'fbar.filers.relationship.self': '本人',
      'fbar.filers.relationship.spouse': '配偶者',
      'fbar.filers.relationship.child': '子',
      'fbar.filers.relationship.dependent': 'その他扶養家族',
      'fbar.filers.isMinor': '未成年(18歳未満)',
      'fbar.filers.isMinor.help': '未成年も自身の FBAR を提出します。親権者または保護者が代理署名可能です。',
      'fbar.filers.isUSPerson': 'U.S. person(市民、永住権保持者、または米国税務上の居住者)',
      'fbar.filers.isUSPerson.help': '非 U.S. person(例:日本人配偶者)も共同口座への紐付け目的で登録できますが、FBAR の基準額判定は行いません。',
      'fbar.filers.address': '提出住所(任意)',
      'fbar.filers.notes': 'メモ',
      'fbar.filers.delete': '申告者を削除',
      'fbar.filers.delete.confirm': '申告者「{{name}}」を削除しますか?口座との紐付けは解除されますが、口座と残高データは削除されません。',

      'fbar.accounts.title': '海外金融口座',
      'fbar.accounts.intro': '対象となる可能性のあるすべての口座を登録してください。各口座に所有者(申告者)を紐付けます。共同名義口座の場合は複数の申告者を選択でき、それぞれが「全額」を報告します。',
      'fbar.accounts.add': '口座を追加',
      'fbar.accounts.empty': '口座が未登録です。',
      'fbar.accounts.col.institution': '金融機関',
      'fbar.accounts.col.country': '国',
      'fbar.accounts.col.currency': '通貨',
      'fbar.accounts.col.type': '種別',
      'fbar.accounts.col.owners': '所有者',
      'fbar.accounts.col.status': '状態',
      'fbar.accounts.account_type': '口座種別',
      'fbar.accounts.account_type.bank': '銀行',
      'fbar.accounts.account_type.securities': '証券',
      'fbar.accounts.account_type.other': 'その他(保険・年金・暗号資産など)',
      'fbar.accounts.institution_name': '金融機関名(英文)',
      'fbar.accounts.institution_name.help': 'FBAR フォーム上で使用されます。公式な英文・ローマ字表記を入力してください(例:"Akita Bank"、"Japan Post Bank")。',
      'fbar.accounts.institution_name_jp': '金融機関名(日本語)',
      'fbar.accounts.institution_address': '金融機関の所在地(英文)',
      'fbar.accounts.institution_address.help': 'FBAR フォーム上で使用されます。FinCEN 114 は英文・ローマ字表記の住所を要求します(例:"3-2-1 Sanno, Akita-shi, Akita 010-8655, Japan")。',
      'fbar.accounts.institution_address_jp': '金融機関の所在地(日本語)',
      'fbar.accounts.account_number_full': '口座番号(完全)',
      'fbar.accounts.account_number_full.help': 'このブラウザ内にのみ保存され、外部へは送信されません。既定では末尾4桁のみ表示し、クリックで完全表示できます。',
      'fbar.accounts.account_number_masked': '末尾4桁(表示)',
      'fbar.accounts.show_full': '完全表示',
      'fbar.accounts.hide_full': '隠す',
      'fbar.accounts.currency': '口座通貨(ISO 4217)',
      'fbar.accounts.country': '国(ISO 3166-1 alpha-2)',
      'fbar.accounts.opened_year': '開設年',
      'fbar.accounts.closed_year': '閉鎖年',
      'fbar.accounts.closed_year.help': '開設中の場合は空欄。年中閉鎖の口座も、その年度内の最高残高が合計に寄与した場合は対象となります。',
      'fbar.accounts.signatory_only': '署名権限のみ(財務上の利害なし)',
      'fbar.accounts.signatory_only.help': '所有していないが署名権限がある口座(例:雇用主の口座)。署名権限を持つ U.S. person は FBAR 提出が必要です。',
      'fbar.accounts.filer_ids': '所有者 / 署名者(申告者)',
      'fbar.accounts.primary_owner': '口座名義人',
      'fbar.accounts.primary.none': '所有者未設定',
      'fbar.accounts.is_joint': '共同名義口座',
      'fbar.accounts.is_joint.help': '複数の世帯員がこの口座に記載されている場合にチェックします。各 U.S. person の共同所有者は「全額」を報告します。',
      'fbar.accounts.coowners': '共同所有者',
      'fbar.upload.chooser.title': 'どの申告者の口座をアップロードしますか?',
      'fbar.upload.chooser.body': 'この口座の名義人(主たる所有者)を選択してください。複数の世帯員が同じ口座に記載されている場合は「共同名義」をチェックして共同所有者を選択します。',
      'fbar.upload.chooser.primary': '口座名義人',
      'fbar.upload.chooser.joint': '共同名義口座',
      'fbar.upload.chooser.joint.help': 'この口座には複数の世帯員が記載されています。各 U.S. person の共同所有者は「全額」を報告します。',
      'fbar.upload.chooser.coowners': '共同所有者',
      'fbar.upload.chooser.continue': 'アップロードに進む',
      'fbar.accounts.filer_ids.help': '単独の場合は1名、共同名義口座の場合は複数選択。',
      'fbar.accounts.filter.byFiler': 'フィルタ:申告者',
      'fbar.accounts.filter.byYear': 'フィルタ:稼働年度',
      'fbar.accounts.filter.byCurrency': 'フィルタ:通貨',
      'fbar.accounts.filter.all': 'すべて',
      'fbar.accounts.delete': '口座を削除',
      'fbar.accounts.delete.confirm': 'この口座とその年度別残高データをすべて削除しますか?元に戻せません。',
      'fbar.accounts.notes': 'メモ',
      'fbar.accounts.status.open': '開設中',
      'fbar.accounts.status.closed': '閉鎖済({{year}})',

      'fbar.balances.title': '年度別残高',
      'fbar.balances.intro': '各口座が暦年中に達した最高残高を入力してください。為替レートは Treasury Year-End レートから自動入力されます(提出前に要確認)。USD 額 = 現地通貨額 ÷ 為替レート。',
      'fbar.balances.year': '年度',
      'fbar.balances.col.account': '口座',
      'fbar.balances.col.currency': '通貨',
      'fbar.balances.col.max_native': '最高残高(現地)',
      'fbar.balances.col.max_date': '最高残高日',
      'fbar.balances.col.fx_rate': '為替(1 USD あたり)',
      'fbar.balances.col.fx_source': '為替の出典',
      'fbar.balances.col.max_usd': '最高残高(USD)',
      'fbar.balances.col.notes': 'メモ',
      'fbar.balances.fx.auto': 'Treasury Year-End {{year}}',
      'fbar.balances.fx.override': '手動上書き',
      'fbar.balances.fx.missing': 'Treasury 表に該当レートなし(手動入力)',
      'fbar.balances.copy_prev': '{{year}} 年度の口座を複製',
      'fbar.balances.copy_prev.help': '前年度に開設されていた口座をすべて、本年度に行として展開します。',
      'fbar.balances.no-accounts-active': '{{year}} 年度に稼働中の口座はありません。「口座」タブで開設・閉鎖年を調整してください。',
      'fbar.balances.missing-warning': '{{count}} 件の口座で残高未入力です。すべて入力されるまで、判定は「データ不足」として扱われます。',
      'fbar.balances.aggregate.title': '{{year}} 年度の申告者別合計',
      'fbar.balances.aggregate.threshold': '基準額:$10,000 USD',
      'fbar.balances.breakdown.toggle': '内訳を表示({{count}} 件の口座)',
      'fbar.balances.breakdown.noAccounts': 'この申告者に紐付く口座はありません。',
      'fbar.balances.breakdown.totalContributing': 'FBAR 合計に寄与する金額',
      'fbar.balances.breakdown.signatoryOnly': '署名権限のみ',
      'fbar.balances.breakdown.stillOpen': '開設中',
      'fbar.balances.breakdown.reason.notUsPerson': '除外:申告者が U.S. person ではないため、FBAR の対象外です。',
      'fbar.balances.breakdown.reason.usDomiciled': '除外:米国所在の口座(FBAR 合計には海外口座のみが含まれます)。',
      'fbar.balances.breakdown.reason.inactive': '除外:本年度に稼働していません(開設 {{opened}} 年、閉鎖 {{closed}})。',
      'fbar.balances.breakdown.reason.noBalance': '除外:本年度の残高エントリがありません。上の表で追加してください。',
      'fbar.balances.breakdown.reason.noFx': '除外:{{currency}} の為替レートがありません。設定から Treasury レートを更新するか、手動で入力してください。',

      'fbar.threshold.required.headline': 'FBAR の提出が必要です',
      'fbar.threshold.required.body': '{{year}} 年度の合計 {{aggregate}} が $10,000 を超えています。bsaefiling.fincen.treas.gov から4月15日(自動延長で10月15日)までに FinCEN 114 を提出してください。',
      'fbar.threshold.under.headline': '本年度の FBAR 提出は不要です',
      'fbar.threshold.under.body': '{{year}} 年度の合計 {{aggregate}} は $10,000 基準額未満です。',
      'fbar.threshold.insufficient.headline': 'データ不足',
      'fbar.threshold.insufficient.body': '{{year}} 年度に残高未入力の口座があります。判定は「データ不足」として扱われます。',

      // Filing Helper (v0.2.29)
      'fbar.tab.filing': '申告補助',
      'fbar.filing.title': 'FBAR 申告補助',
      'fbar.filing.intro': 'BSA E-Filing(FinCEN 114)提出前のチェックリスト。値はすべて、本ツールに登録済みの申告者・口座データから自動入力されます。「申告者」タブで情報を更新するとこちらにも反映されます。',
      'fbar.filing.select.filer': '申告者',
      'fbar.filing.select.year': '年度',
      'fbar.filing.empty.noFilers': '先に申告者を追加してください。',
      'fbar.filing.empty.notUSPerson': '{{name}} は U.S. person ではないため、FBAR は対象外です。',
      'fbar.filing.notice.underThreshold': '{{name}} の {{year}} 年度合計は $10,000 基準額未満で、FBAR 提出は不要です。チェックリストは記録目的のみで表示しています。',
      'fbar.filing.notice.unknownThreshold': '{{year}} 年度の判定が未確定です。「年度別残高」タブで残高を入力すると、提出要否が確定します。',

      'fbar.filing.status.title': '提出状況',
      'fbar.filing.status.toggleLabel': '{{name}} の {{year}} 年度 FBAR を提出済み',
      'fbar.filing.status.notFiled': '未提出',
      'fbar.filing.status.filed': '✓ {{date}} に提出済み',
      'fbar.filing.status.dateLabel': '提出日 (YYYY-MM-DD)',
      'fbar.filing.status.bsaIdLabel': 'BSA 受付 ID',
      'fbar.filing.status.notesLabel': 'メモ(任意)',
      'fbar.filing.status.notesPlaceholder': '例:Streamlined 手続経由の遅延提出、Explanation ナラティブ添付、など。',

      'fbar.filing.mode.title': '提出モード',
      'fbar.filing.mode.help': 'Part V(代理人)欄を埋める必要があるか、また「Critical Fixes」で適用される項目はこの選択で変わります。',
      'fbar.filing.mode.self': '本人申告(申告者本人が署名)',
      'fbar.filing.mode.household': '家族による代理申告(例:未成年の子に対する親、配偶者に対する配偶者)',
      'fbar.filing.mode.household.preparerLabel': '代理人',
      'fbar.filing.mode.household.preparerHelp': '本申告者の代わりに署名・準備する家族。Form 114a(代理署名同意書)が必要です。',
      'fbar.filing.mode.household.noCandidates': '世帯内に他の成人申告者がいません。「申告者」タブから追加してください。',
      'fbar.filing.mode.external': '外部代理人(税理士・弁護士等)による申告',
      'fbar.filing.mode.external.note': '外部代理人は Part V を自分で記入します。本人の役割は Form 114a への署名と Part I・口座情報の提供までです。',
      'fbar.filing.mode.114a.reminder': '注意:第三者が FBAR に署名する場合、申告者本人が FinCEN Form 114a(電子申告承認書)に署名する必要があります。114a は FinCEN に提出せず、代理人が 5 年間保管します。',

      'fbar.filing.critical.title': '重要修正項目(誤ると提出エラーになる項目)',
      'fbar.filing.critical.intro': '実際の BSA E-Filing 提出で検証エラーを引き起こした項目。送信前に各項目を必ず確認してください。',
      'fbar.filing.critical.item.50': '自営業 (Self-Employed) チェック',
      'fbar.filing.critical.item.50.action.preparer': '☑ チェックを入れる(Part V)。チェックしないと、法人名・EIN が空のときに「Firm Name required」「EIN required」のエラーが出ます。',
      'fbar.filing.critical.item.50.action.self': '空のままにする。Item 50 は代理人側の項目で、本人申告では使いません。',
      'fbar.filing.critical.item.44a': '第三者代理人 (Third-Party Preparer) チェック',
      'fbar.filing.critical.item.44a.action.preparer': '☑ チェックを入れる。{{filer}} の代理として {{preparer}} が申告していることを FinCEN に伝えます。',
      'fbar.filing.critical.item.44a.action.self': '空のままにする。',
      'fbar.filing.critical.item.45': '申告者の役職 (Filer Title)',
      'fbar.filing.critical.item.45.action': '⚠ 必ず空欄にする。「Parent」「Minor」「Self」など何も入力しないこと。Item 45 は法人役職用で、自然言語の入力はほぼ拒否されます。',
      'fbar.filing.critical.item.53': '法人名 (Firm Name)',
      'fbar.filing.critical.item.53.action': '空欄(Item 50 にチェックがある場合 ― 法人ではなく個人代理人のため)',
      'fbar.filing.critical.item.54': '法人 EIN (Firm EIN)',
      'fbar.filing.critical.item.54.action': '空欄(Item 50 にチェックがある場合)',
      'fbar.filing.critical.item.54a': '代理人 TIN タイプ',
      'fbar.filing.critical.item.54a.action': 'SSN({{name}} の SSN を代理人 TIN として使用)',

      'fbar.filing.partI.title': '申告者本人情報 (Part I)',
      'fbar.filing.partI.subtitle': 'これらの項目は {{name}} を識別するためのものです。申告者は常に口座名義人であり、代理人ではありません。',
      'fbar.filing.partI.item.name': '申告者名(法的フルネーム)',
      'fbar.filing.partI.item.tin': '申告者 TIN (SSN)',
      'fbar.filing.partI.item.address': '申告者住所',
      'fbar.filing.partI.item.type': '申告者タイプ',
      'fbar.filing.partI.item.dob': '生年月日',
      'fbar.filing.partI.item.title': '申告者役職',
      'fbar.filing.partI.value.individual': 'Individual(個人)',
      'fbar.filing.partI.value.titleBlank': '⚠ 空欄(再掲 ― 最も多い誤入力)',
      'fbar.filing.partI.value.ssnMissing': '— 未入力 ― 「申告者」タブで SSN 末尾4桁を入力してください',
      'fbar.filing.partI.value.addressMissing': '— 未入力 ― 「申告者」タブで申告住所を入力してください',
      'fbar.filing.partI.value.dobMissing': '— 未入力 ― 「申告者」タブで生年月日を入力してください',
      'fbar.filing.partI.minorNote': '未成年者の申告:FBAR はあくまで子の申告ですが、Form 114a を用いて親が代理署名できます。Items 1-3 の名前は子の名前であり、親の名前を入れてはいけません。',

      // Account Information (Parts II / III / IV) — v0.2.32
      'fbar.filing.accounts.title': '口座情報 (Parts II / III / IV)',
      'fbar.filing.accounts.intro': '{{year}} 年度の対象口座を所有形態別にまとめた一覧。各ブロックは BSA E-Filing フォームに転記する値を表示します。',
      'fbar.filing.accounts.rescanReminder': '⚠ 提出前に、本年度の口座資料をすべて再スキャン・再アップロードしてください。下の値は最新の抽出結果に基づいています ― 残高データが古いと書類も誤りになります。',
      'fbar.filing.accounts.gotoAccounts': '「口座」タブへ →',
      'fbar.filing.accounts.empty': '{{name}} には {{year}} 年度に申告対象となる口座がありません。まず「口座」タブで追加してください。',
      'fbar.filing.accounts.part2': 'Part II(単独所有)',
      'fbar.filing.accounts.part3': 'Part III(共有)',
      'fbar.filing.accounts.part4': 'Part IV(署名権限のみ)',
      'fbar.filing.accounts.partII.header': 'Part II ― 単独所有口座',
      'fbar.filing.accounts.partII.subtitle': '申告者が単独で財務上の利害を有する口座。フォームの Items 14-22 に対応します。',
      'fbar.filing.accounts.partIII.header': 'Part III ― 共同所有口座',
      'fbar.filing.accounts.partIII.subtitle': '申告者と他の U.S. person が共同で利害を有する口座。共有者もそれぞれ自身の FBAR を提出します。フォームの Items 24-33 に対応します。',
      'fbar.filing.accounts.partIV.header': 'Part IV ― 署名権限のみ',
      'fbar.filing.accounts.partIV.subtitle': '財務上の利害はないが署名権限のみを有する口座。フォームの Items 34-43 に対応します。',
      'fbar.filing.accounts.accountIndex': '口座 {{idx}} / {{total}}',
      'fbar.filing.accounts.field.maxValue': '年内最大残高',
      'fbar.filing.accounts.field.maxValue.help': '本年度における単日の最高残高。USD 換算は Treasury 年末レートを使用します。',
      'fbar.filing.accounts.field.maxDate': '最大残高の日付',
      'fbar.filing.accounts.field.maxDate.help': '最高残高に達した日付。フォーム上の必須項目ではありませんが、照合用に有用です。',
      'fbar.filing.accounts.field.fxRate': '為替レート(USD 1 あたりの外貨単位)',
      'fbar.filing.accounts.field.fxRate.help': 'USD 換算に用いた Treasury 年末レート。提出前に fiscal.treasury.gov で確認してください。',
      'fbar.filing.accounts.field.acctType': '口座種別',
      'fbar.filing.accounts.field.acctType.otherHelp': '「その他」を選択した場合、補足欄に種別を記述してください。',
      'fbar.filing.accounts.field.institutionName': '金融機関名',
      'fbar.filing.accounts.field.acctNumber': '口座番号 / 識別子',
      'fbar.filing.accounts.field.address': '所在地(町丁目・市区町村・都道府県)',
      'fbar.filing.accounts.field.country': '国',
      'fbar.filing.accounts.field.currency': '通貨(申告者の参考用)',
      'fbar.filing.accounts.field.jointOwners': '共同名義人(他の U.S. person)',
      'fbar.filing.accounts.field.jointOwners.help': '主要共同名義人の氏名・TIN は Items 25-26 に記入。各共同名義人は自身の FBAR を別途提出します。',
      'fbar.filing.accounts.field.jointCount': '共同名義人の人数',
      'fbar.filing.accounts.field.signatoryNote': '署名権限の注記',
      'fbar.filing.accounts.field.signatoryNote.value': '財務上の利害なし ― 署名権限のみ',
      'fbar.filing.accounts.field.signatoryNote.help': 'Items 35-36 には実際の口座所有者の氏名・TIN を記入します(申告者ではありません)。',
      'fbar.filing.accounts.value.missing': '— 未入力 ―「口座」タブで修正してください',
      'fbar.filing.accounts.value.fxMissing': '— 未入力 ―「年度別残高」タブで再入力するか Treasury から取得してください',
      'fbar.filing.accounts.joint.unknown': '— 世帯内に共同名義人なし ― 申告者として追加するか、フォームに直接記入してください',
      'fbar.filing.accounts.missingHeader': '{{year}} 年度に残高が未入力の口座が {{count}} 件あります:',

      'fbar.filing.partV.title': '代理人情報 (Part V)',
      'fbar.filing.partV.subtitle': '{{name}} ― 申告者の代わりに署名する第三者代理人。',
      'fbar.filing.partV.noPreparer': '代理人が選択されていません。上の「提出モード → 代理人」で選んでください。',
      'fbar.filing.partV.external.subtitle': '外部代理人が記入する欄です(本人は記入しません)。',
      'fbar.filing.partV.external.note': '税理士・弁護士などの外部代理人が代理申告する場合、Part V は代理人が自身の情報を記入します。本人の役割は Form 114a への署名と Part I・口座情報の正確な提供までです。',
      'fbar.filing.partV.item.44a': '第三者代理人チェック',
      'fbar.filing.partV.item.47': '代理人 姓 (Last Name)',
      'fbar.filing.partV.item.48': '代理人 名 (First Name)',
      'fbar.filing.partV.item.49': '代理人 ミドルイニシャル',
      'fbar.filing.partV.item.49.value': '任意',
      'fbar.filing.partV.item.50': '自営業',
      'fbar.filing.partV.item.51': '代理人 TIN',
      'fbar.filing.partV.item.51.suffix': '({{name}} の SSN)',
      'fbar.filing.partV.item.54a': '代理人 TIN タイプ',
      'fbar.filing.partV.item.54a.value': 'SSN',
      'fbar.filing.partV.item.53': '法人名',
      'fbar.filing.partV.item.54': '法人 EIN',
      'fbar.filing.partV.item.address': '代理人住所(Items 55-59 ― 番地、市区町村、都道府県、郵便番号、国)',
      'fbar.filing.partV.item.contact': '電話・メール',
      'fbar.filing.partV.item.contact.value': '推奨(FinCEN から確認連絡が来ることがあります)',
      'fbar.filing.partV.value.checked': '☑ チェック済み',
      'fbar.filing.partV.value.blank': '空欄',
      'fbar.filing.partV.value.addressMissing': '— 未入力 ― 「申告者」タブで代理人の申告住所を入力してください',
      'fbar.filing.partV.114a.reminder': 'Form 114a(代理人承認書):代理人が 5 年間保管します。FinCEN には提出しないでください。',

      'fbar.filing.mistakes.title': 'よくある間違い',
      'fbar.filing.mistakes.intro': '実際の申告で見られた誤入力。FinCEN のバリデーターでは検出されないため、本人が確認するしかありません。',
      'fbar.filing.mistakes.item.filerName': '申告者名 (Filer Name) に代理人の名前を入れる ― 申告者は常に口座名義人で、代理人ではありません。',
      'fbar.filing.mistakes.item.title': '申告者役職 (Item 45) に「Parent」「Minor」「Self」などを入力する ― 必ず空欄にしてください。',
      'fbar.filing.mistakes.item.44a': 'Item 44a(第三者代理人)のチェックを忘れる ― システムは本人申告として扱い、後で問題になる可能性があります。',
      'fbar.filing.mistakes.item.50': 'Item 50(自営業)のチェックを忘れる ― 法人名・EIN のバリデーションエラーが発生します。',
      'fbar.filing.mistakes.item.114peryear': '1 枚の Form 114 で複数年度をカバーする ― 申告者ごと・年度ごとに 1 枚提出してください。',
      'fbar.filing.mistakes.item.yearEnd': '年末残高ではなく年内最大残高を報告する(Part III Item 15)― 単日の最高残高を報告してください。',
      'fbar.filing.mistakes.item.fxRate': '銀行レートや Google レートで USD 換算する ― 必ず Treasury 年末レート (fiscal.treasury.gov) を使用してください。',
      'fbar.filing.mistakes.item.jointMarking': '個人名義の口座を joint としてマークする (Item 20) ― 共同名義かつ共名義人も U.S. person である場合のみ joint にしてください。',
      'fbar.filing.mistakes.item.under10k': '残高 $10K 未満の口座を省く ― 基準は申告者の海外口座すべての合計です。合計が $10K を超える場合、すべての口座を報告する必要があります。',

      'fbar.filing.col.item': '項目',
      'fbar.filing.col.field': 'フィールド',
      'fbar.filing.col.action': '入力内容',

      // Late Filing Explanation generator (Phase 2 — v0.2.30)
      // Narrative templates remain in English (BSA E-Filing is English-only).
      'fbar.filing.late.title': '遅延提出の理由文',
      'fbar.filing.late.intro': 'FinCEN Form 114 の「Explanation for Late Filing」欄に貼り付ける 750 文字以内のナラティブ。カテゴリーを選ぶとテンプレートが入り、編集可能です。期日(4/15・10/15)を過ぎての提出時のみ使用します。',
      'fbar.filing.late.categoryLabel': 'カテゴリー',
      'fbar.filing.late.autoDetected': '申告者情報から自動判定しました:{{category}}。判定が誤っている場合は下のセレクタで変更してください。',
      'fbar.filing.late.category.minor_in_japan': '日本在住の未成年(親が口座を管理)',
      'fbar.filing.late.category.adult_us_in_japan': '日本長期在住の U.S. person(成人)',
      'fbar.filing.late.category.adult_us_dual_national': '二重国籍・生涯日本在住者',
      'fbar.filing.late.category.spouse_no_signature': '非 U.S. 配偶者と共有する世帯口座',
      'fbar.filing.late.category.custom': 'カスタム(自由記述)',
      'fbar.filing.late.copy': 'コピー',
      'fbar.filing.late.copied': 'コピーしました',
      'fbar.filing.late.reset': 'テンプレートに戻す',
      'fbar.filing.late.footerHelp': 'BSA E-Filing ポータルで遅延理由として「Other」を選択し、上記テキストをそのまま Explanation for Late Filing 欄に貼り付けてください。',

      // Form 114a (Phase 2 — v0.2.31)
      'fbar.filing.f114a.title': 'Form 114a ― 代理人署名同意書',
      'fbar.filing.f114a.intro': '申告者が代理人に対し電子提出を委任する書面。FinCEN へは提出せず、代理人が 5 年間保管します。下のプレビューは自動入力されており、印刷ボタンで A4 印刷用ページを開いて両者が手書き署名します。',
      'fbar.filing.f114a.print': '🖨 Form 114a を印刷',
      'fbar.filing.f114a.noPreparer': 'まず上の「提出モード → 代理人」で代理人を選択してください。',
      'fbar.filing.f114a.external.note': '外部代理人(税理士・弁護士)の場合、通常は代理人側が自分の情報を埋めた 114a を用意します。下のボタンは申告者欄のみ埋まったテンプレートを生成しますので、代理人に渡して残りを埋めて保管してもらってください。',
      'fbar.filing.f114a.footerHelp': '申告者と代理人の双方が手書きで署名します。代理人は提出後 5 年間、署名済み 114a を保管する必要があります。',
      'fbar.filing.f114a.preview.filerName': '申告者氏名',
      'fbar.filing.f114a.preview.filerSsn': '申告者 TIN (SSN)',
      'fbar.filing.f114a.preview.filerAddress': '申告者住所',
      'fbar.filing.f114a.preview.preparerName': '代理人氏名',
      'fbar.filing.f114a.preview.preparerFirm': '法人名',
      'fbar.filing.f114a.preview.preparerAddress': '代理人住所',
      'fbar.filing.f114a.preview.preparerTin': '代理人 TIN',
      'fbar.filing.f114a.preview.years': '対象年度',
      'fbar.filing.f114a.preview.firmBlank': '空欄(自営業 ― Item 50 にチェック)',
      'fbar.filing.f114a.preview.ssnMissing': '— 未入力 ―「申告者」タブで SSN 末尾4桁を入力',
      'fbar.filing.f114a.preview.addressMissing': '— 未入力 ―「申告者」タブで住所を入力',

      // Treasury Rates Reference
      'fbar.filing.rates.title': 'Treasury レート参照',
      'fbar.filing.rates.intro': 'FBAR 基準額(USD 10,000)を、お持ちの口座で使われている外貨に換算した一覧。出典は Treasury Year-End レート(fiscal.treasury.gov から最新を取得すれば検証済みになります)。',
      'fbar.filing.rates.empty': '口座が未登録です。「口座」タブで外貨建ての口座を追加するとレートが表示されます。',
      'fbar.filing.rates.allUsd': '本世帯の口座はすべて USD です ― FBAR には為替換算不要で、最大残高をそのまま USD で記入します。',
      'fbar.filing.rates.noYears': '対象年度のデータがありません。年度別残高を追加するとレートが表示されます。',
      'fbar.filing.rates.unknownCurrency': '⚠ {{currencies}}:Treasury レート表に登録されていません。提出前に fiscal.treasury.gov で個別に調べてください。',
      'fbar.filing.rates.col.year': '年度',
      'fbar.filing.rates.refresh': 'Treasury から更新',
      'fbar.filing.rates.refreshing': '更新中…',
      'fbar.filing.rates.refreshFailed': 'Treasury レートの更新に失敗しました。',
      'fbar.filing.rates.source.placeholder': '⚠ 未検証の暫定レートです。提出前に「更新」ボタンで fiscal.treasury.gov から最新値を取得してください。',
      'fbar.filing.rates.source.fetched': 'Treasury 公式レート ・ 最終取得 {{date}}',

      // AI FBAR Advisor
      'fbar.filing.advisor.title': 'AI FBAR アドバイザー',
      'fbar.filing.advisor.intro': 'FBAR のルール・期限・リスクに関する簡易 Q&A。お使いの API キーで Claude を呼び出します。送信されるのは匿名化されたコンテキストのみで、口座番号・残高・氏名は含まれません。',
      'fbar.filing.advisor.noKey': '「設定」で Claude API キーを登録してください。キーはブラウザにのみ保存され、リクエストは api.anthropic.com に直接送信されます。',
      'fbar.filing.advisor.preset.overview.label': '概要',
      'fbar.filing.advisor.preset.overview.prompt': '海外在住の U.S. person 向けに、FBAR (FinCEN Form 114) の要件を簡潔に説明してください ― 提出義務者、報告対象、基準額。',
      'fbar.filing.advisor.preset.deadlines.label': '期限',
      'fbar.filing.advisor.preset.deadlines.prompt': 'FBAR の提出期限はいつですか?自動延長は?期限を過ぎた場合は?',
      'fbar.filing.advisor.preset.risks.label': 'リスク',
      'fbar.filing.advisor.preset.risks.prompt': '遅延・未提出時の罰則は?IRS Streamlined Filing Compliance Procedures とは何で、どんな場合に検討すべきですか?',
      'fbar.filing.advisor.placeholder': 'FBAR の提出・期限・コンプライアンスについて質問…',
      'fbar.filing.advisor.ask': '質問',
      'fbar.filing.advisor.loading': 'Claude に問い合わせ中…',
      'fbar.filing.advisor.errorEmpty': '(回答が空でした ― 質問を言い換えて再試行してください)',
      'fbar.filing.advisor.errorPrefix': 'エラー:',
      'fbar.filing.advisor.disclaimer': '教育目的のみ。提出前には必ず fincen.gov で確認し、税務専門家にご相談ください。',

      'fbar.print.title': 'サマリー印刷',
      'fbar.print.intro': '申告者と年度を選び、A4 サイズの印刷向けサマリーを作成します。税理士への共有や、BSA E-Filing System での提出時の照合用に使えます。',
      'fbar.print.select.filer': '申告者',
      'fbar.print.select.year': '年度',
      'fbar.print.generate': 'サマリーを生成',
      'fbar.print.preview.title': 'プレビュー',
      'fbar.print.print': '印刷',
      'fbar.print.empty': '申告者と年度を選択するとプレビューが表示されます。',

      'fbar.year.add': '年度を追加',
      'fbar.action.save': '保存',
      'fbar.action.cancel': 'キャンセル',
      'fbar.action.edit': '編集',
      'fbar.action.done': '完了',
      'fbar.action.delete': '削除',

      // Vision-based upload (v0.2.2)
      'fbar.upload.button': '銀行書類をアップロード',
      'fbar.upload.button.tooltip': '通帳・残高証明書・スクリーンショットなどをアップロード。あなたの API キー経由で Claude に送信され、抽出処理が行われます。画像はメモリ上のみで保持され、ブラウザに保存されません。',
      'fbar.upload.dropHint': 'またはここにファイルをドロップ',
      'fbar.upload.drop': '銀行書類をドロップして抽出',
      'fbar.upload.modal.title': 'Claude に抽出のため送信しますか?',
      'fbar.upload.modal.body': 'この書類は、あなたの Claude API キーを使って Anthropic に送信されます。画像はメモリ上のみで保持され、ブラウザストレージには保存されません。Anthropic のプライバシーポリシーが受信内容に適用されます。',
      'fbar.upload.modal.destination': '送信先',
      'fbar.upload.modal.model': 'モデル',
      'fbar.upload.modal.cost': '概算コスト',
      'fbar.upload.send': 'Claude に送信',
      'fbar.upload.cancel': 'キャンセル',
      'fbar.upload.status.sending': '{{name}} から抽出中…',
      'fbar.upload.status.applying': '抽出完了。口座を作成中…',
      'fbar.upload.error.unsupported': '対応していないファイル形式です。PNG / JPG / WEBP / GIF / PDF を使用してください。',
      'fbar.upload.noKey.body': 'ドキュメントのアップロードには Claude API キーが必要です。',
      'fbar.upload.noKey.openSettings': '設定を開く',
      'fbar.upload.banner.from': '{{file}} から AI 抽出',
      'fbar.upload.banner.confidence': '信頼度',
      'fbar.upload.banner.verify': '保存前に必ず全フィールドをご確認ください — AI の抽出には誤りがある可能性があります(特に手書きや低解像度の書類)。',
      'fbar.upload.banner.holderDetected': '検出された口座名義',
      'fbar.upload.banner.markVerified': '確認済みにする',
      'fbar.upload.banner.balancesCreated': '{{count}} 件の残高エントリを作成',
      'fbar.upload.banner.viewBalances': '「年度別残高」タブで確認',
      'fbar.upload.banner.noBalances': '残高エントリが作成されませんでした — モデルが日付付き残高を識別できませんでした。「年度別残高」タブで手動入力するか、より鮮明な画像を再アップロードしてください。',
      'fbar.upload.banner.partial': 'トークン上限により応答が途中で切れました — 部分的にデータを復旧しました。慎重に確認し、欠落年があれば再アップロードしてください。',
      // 重複ドキュメント検出
      'fbar.dup.title': '同一の書類を検出しました',
      'fbar.dup.body': 'このファイルは以前アップロード済みの書類と一致しています(バイト単位の SHA-256 ハッシュで比較)。どうしますか?',
      'fbar.dup.originalFile': '元のファイル名',
      'fbar.dup.originalUpload': '元のアップロード日時',
      'fbar.dup.explainer': '既存口座を更新する場合、書類を再抽出し、新しく検出された年度別残高を既存レコードにマージします。すでに編集済みの口座レベル情報(機関名、住所など)はそのまま保持されます。',
      'fbar.dup.choice.update': '既存口座を更新(新しい年度・データをマージ)',
      'fbar.dup.choice.addNew': '別口座として追加',
      'fbar.dup.summary.title': '再アップロード マージ結果',
      'fbar.dup.summary.body': '{{file}} を {{institution}} にマージしました。',
      'fbar.dup.summary.added': '追加された年度',
      'fbar.dup.summary.updated': '更新された年度(値変更あり)',
      'fbar.dup.summary.unchanged': '変更なしの年度',
      // 口座番号による統合(別ファイル、同一口座)
      'fbar.acctmatch.title': '既存口座と口座番号が一致しています',
      'fbar.acctmatch.body': '異なるファイルですが、同一口座と思われる書類がアップロードされました(口座番号で一致)。どうしますか?',
      'fbar.acctmatch.existingNum': '既存の口座番号',
      'fbar.acctmatch.extractedNum': '今回抽出された番号',
      'fbar.acctmatch.explainer': '既存口座を更新すると、新しく検出された年度別残高が既存レコードにマージされます。すでに編集済みの口座レベル情報(機関名、住所など)はそのまま保持されます。「別口座として追加」を選ぶと、別の新しい口座レコードが作成されます。',
      'fbar.acctmatch.choice.merge': '既存口座を更新(新しい年度・データをマージ)',
      'fbar.acctmatch.choice.new': '別口座として追加',
      // FBAR インポート(過去申告書から残高をバックフィル)
      'fbar.upload.status.partial': '部分復旧',
      'fbar.upload.status.enriching': '機関情報を自動補完中…',
      'fbar.upload.autoEnrich.label': '機関情報を自動補完する',
      'fbar.upload.autoEnrich.help': '書類からの抽出後、Claude に機関の標準情報(英文住所・英語名など)をトレーニング知識から補完するよう依頼します。空欄のフィールドのみが補完され、書類記載の値を上書きしません。約 $0.005 の追加コストがかかります。',
      'fbar.upload.banner.autoEnriched': '自動補完: {{count}} 件のフィールドを補完({{fields}})',
      'fbar.upload.banner.consolidated': '合算行を {{count}} 件検出 — この範囲の最高残高は表示されない可能性があります:',
      'fbar.upload.banner.fdReferences': 'この通帳に {{count}} 件の定期預金(FD)証書参照を検出:',
      'fbar.upload.banner.warnings': '抽出時の警告 {{count}} 件 — ご確認ください:',
      'fbar.upload.banner.carryOver': '前の通帳からの繰越高: {{amount}} {{currency}}',
      'fbar.upload.banner.multiAccount': '1件の複数口座書類(定期預金証書など)から作成されたサブ口座 {{index}}/{{count}}。兄弟口座は共通メタデータを継承し、各サブ口座はそれぞれの最高残高を FBAR 合計に寄与します。',
      'fbar.balances.yearsOnFile': '登録済み年度({{count}})— クリックで切り替え',
      'fbar.balances.carryForwardHint': '前年からの繰越(取引なし — 提出前にご確認ください)',
      'fbar.balances.row.delete.tooltip': 'この残高エントリを削除(口座は削除しません)',
      'fbar.balances.row.delete.confirm': '{{institution}} の {{year}} 年度残高エントリを削除しますか?口座本体は削除されず、この年度の行のみが削除されます。',
      'fbar.balances.allFilers': 'すべての申告者',
      'fbar.balances.filerFilter': '申告者で絞り込み:',
      'fbar.balances.clearFilter': '絞り込み解除',
      'fbar.balances.no-accounts-for-filer': '{{year}} 年度に該当する申告者の口座はありません。',
      'fbar.balances.unowned': '所有者未設定 — この口座はどの申告者の合計にも含まれません。「口座」タブで編集してください。',
      // 申告者追加モーダル
      'fbar.filers.modal.addTitle': '申告者を追加',
      'fbar.filers.modal.editTitle': '申告者を編集',
      'fbar.filers.modal.saveAdd': '申告者を追加',
      'fbar.filers.modal.saveEdit': '変更を保存',
      'fbar.filers.modal.nameRequired': '氏名(英文または日本語)は必須です。',
      // AI 補完
      'fbar.enrich.button': 'AI 補完',
      'fbar.enrich.button.tooltip': 'Claude にこの金融機関に関する既知の事実(本社住所、英語名、SWIFT コード等)の補完を依頼します。送信されるのは金融機関レベルのメタデータのみ — 口座番号・残高・申告者名は送信されません。',
      'fbar.enrich.modal.title': 'AI による口座情報補完',
      'fbar.enrich.modal.body': 'Claude がこの金融機関に関する標準的な情報をトレーニング知識から補完します。適用前にすべての候補をご確認いただけます。',
      'fbar.enrich.modal.willSend': '送信内容',
      'fbar.enrich.modal.privacy': '送信されるのは金融機関レベルのメタデータのみです。口座番号・申告者名・残高・メモは含まれません。上記の概要が完全な送信内容です。',
      'fbar.enrich.modal.costEstimate': '概算コスト: 約 $0.005(テキストのみの呼び出し)',
      'fbar.enrich.modal.send': 'Claude に問い合わせ',
      'fbar.enrich.status.sending': '{{name}} について Claude に問い合わせ中…',
      'fbar.enrich.status.review': '提案を取得しました。適用する項目を選択してください。',
      'fbar.enrich.review.title': 'AI 提案を確認',
      'fbar.enrich.review.body': '{{institution}} に関する提案。適用したい項目にチェックを入れて「適用」を押してください。',
      'fbar.enrich.review.apply': '選択を適用',
      'fbar.enrich.review.confidence': '信頼度',
      'fbar.enrich.review.appendMode': '既存のメモに追記されます(置換ではありません)。',
      'fbar.enrich.review.nothingToApply': 'Claude からの新しい情報はありません — すべての項目が既に一致しているか、モデルが提案を返しませんでした。',
      // 名前競合モーダル
      'fbar.conflict.title': '氏名の不一致を検出',
      'fbar.conflict.body': '{{filer}} の {{field}} が、アップロードした書類から抽出された値と異なります。どちらを使用しますか?',
      'fbar.conflict.existing': '既存の値',
      'fbar.conflict.extracted': 'スキャンから抽出',
      'fbar.conflict.keep': '既存を使用',
      'fbar.conflict.replace': '抽出値を使用',
      'fbar.conflict.skip': '後で決める',
    },
  };

  function getLang() {
    return (TB.state.get('settings.language') || 'en');
  }

  function setLang(lang) {
    if (!STRINGS[lang]) return;
    TB.state.set('settings.language', lang);
    document.documentElement.setAttribute('lang', lang === 'ja' ? 'ja' : 'en');
    document.dispatchEvent(new CustomEvent('tb:lang-changed', { detail: { lang } }));
  }

  function t(key, vars) {
    const lang = getLang();
    const table = STRINGS[lang] || STRINGS.en;
    let s = table[key] || STRINGS.en[key] || key;
    if (vars) {
      for (const k of Object.keys(vars)) {
        s = s.replaceAll('{{' + k + '}}', String(vars[k]));
      }
    }
    return s;
  }

  function extend(lang, table) {
    if (!STRINGS[lang]) STRINGS[lang] = {};
    Object.assign(STRINGS[lang], table);
  }

  // Re-render text on language change. Each element with data-i18n="key"
  // gets its textContent set to t(key); attributes can be set via
  // data-i18n-attr-<name>="key" (e.g. data-i18n-attr-placeholder).
  function applyDom(root) {
    const scope = root || document;
    scope.querySelectorAll('[data-i18n]').forEach((el) => {
      el.textContent = t(el.getAttribute('data-i18n'));
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    scope.querySelectorAll('*').forEach((el) => {
      for (const attr of el.attributes) {
        if (!attr.name.startsWith('data-i18n-attr-')) continue;
        const target = attr.name.slice('data-i18n-attr-'.length);
        el.setAttribute(target, t(attr.value));
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  }

  document.addEventListener('tb:lang-changed', () => applyDom());

  window.TB = window.TB || {};
  window.TB.i18n = { t, getLang, setLang, extend, applyDom };
})();

</script>
  <script data-source="scripts/icons.js">
/* Taigan Bridge — icons.js  (v0.34.0)
 *
 * Inline SVG icon set for every module + a few common UI accents.
 *
 * Why SVG and not emoji:
 *   • Several emojis we relied on render as dark unreadable blobs in
 *     Segoe UI Emoji on Windows (🗂 card-index, 🏘 houses, 🪦 headstone,
 *     🪖 helmet, the 👨‍👩‍👧 family ZWJ sequence). Cross-platform
 *     consistency was poor, and the icons didn't communicate their
 *     module's purpose at glance sizes.
 *   • SVG renders identically everywhere, can adopt theme colors via
 *     currentColor + var(--tb-accent), and ties visually to the
 *     torii-bridge brand mark (same 1.6-2px stroke vocabulary,
 *     vermillion accent on one distinguishing detail per icon).
 *
 * Visual language for the set:
 *   • viewBox 24 × 24
 *   • Line art (fill="none") with currentColor strokes (theme-aware)
 *   • Stroke 1.6 — 2.0 depending on detail density
 *   • Rounded line caps + joins
 *   • One vermillion accent per icon — the "tell" that identifies it
 *     at a glance: a checkmark for tax, a flag dot for FBAR, a key
 *     tooth for property, a heartbeat for healthcare, etc.
 *
 * Public API:
 *   TB.icons.get(moduleId, opts?)  → returns a fresh SVGElement node
 *     opts.size  — pixel size (default 24)
 *     opts.title — optional <title> for screen readers + tooltip
 *   TB.icons.has(moduleId) → boolean
 *   TB.icons.list()        → array of supported ids
 */

(function () {
  'use strict';

  const SVG_NS = 'http://www.w3.org/2000/svg';

  // Each icon as an SVG body string (children of <svg>). The wrapping
  // <svg> element is added in get() with consistent attrs.
  //
  // Convention inside each body:
  //   • Primary strokes carry no explicit color (inherit currentColor)
  //   • Accent details use stroke="var(--tb-accent)" (or fill for dots)
  //   • Stroke widths between 1.5 and 2.2 depending on detail density
  const ICONS = {
    // ── Tax & Compliance ───────────────────────────────────────────
    // Calendar grid with a checkmark — "year-round filing calendar
    // with form-application detection."
    'tax-coordinator':
      '<rect x="3" y="5" width="18" height="16" rx="2" stroke-width="1.6"/>' +
      '<path d="M3 10h18" stroke-width="1.6"/>' +
      '<path d="M8 3v4M16 3v4" stroke-width="1.6"/>' +
      '<path d="M7.5 15l2.2 2.2 5-5" stroke="var(--tb-accent)" stroke-width="2.1"/>',

    // Bank columns with a flag dot — "foreign account reporting."
    fbar:
      '<path d="M3 21h18" stroke-width="1.6"/>' +
      '<path d="M3 10h18" stroke-width="1.6"/>' +
      '<path d="M3 10l9-6 9 6" stroke-width="1.6"/>' +
      '<path d="M6 21V10M10 21V10M14 21V10M18 21V10" stroke-width="1.6"/>' +
      '<circle cx="12" cy="7" r="1.6" fill="var(--tb-accent)" stroke="none"/>',

    // Folder with combination lock — "document inventory + storage."
    'document-vault':
      '<path d="M3 8a2 2 0 0 1 2-2h4l2 2h8a2 2 0 0 1 2 2v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z" stroke-width="1.6"/>' +
      '<circle cx="12" cy="14" r="2.6" stroke="var(--tb-accent)" stroke-width="1.7"/>' +
      '<path d="M12 14v2.3" stroke="var(--tb-accent)" stroke-width="1.7"/>',

    // ── Wealth & Planning ──────────────────────────────────────────
    // Briefcase with a tiny upward chart inside — "all accounts."
    assets:
      '<rect x="3" y="7" width="18" height="13" rx="1.8" stroke-width="1.6"/>' +
      '<path d="M9 7V5a2 2 0 0 1 2-2h2a2 2 0 0 1 2 2v2" stroke-width="1.6"/>' +
      '<polyline points="6,16 10,12 13,14 18,9" stroke="var(--tb-accent)" stroke-width="1.7" fill="none"/>',

    // Line chart climbing with apex dot — "net worth over time."
    'net-worth':
      '<line x1="3" y1="20" x2="21" y2="20" stroke-width="1.6"/>' +
      '<line x1="3" y1="20" x2="3" y2="4" stroke-width="1.6"/>' +
      '<polyline points="5,17 9,13 13,15 18,7" stroke-width="1.7" fill="none"/>' +
      '<circle cx="18" cy="7" r="2" fill="var(--tb-accent)" stroke="none"/>',

    // Branching forward arrows — "scenario projections."
    projections:
      '<path d="M3 12h6" stroke-width="1.6"/>' +
      '<path d="M9 12l4-5M9 12l4 5" stroke-width="1.6"/>' +
      '<path d="M13 7h6M13 17h6" stroke-width="1.6"/>' +
      '<path d="M17 5l2 2-2 2" stroke-width="1.6"/>' +
      '<path d="M17 15l2 2-2 2" stroke="var(--tb-accent)" stroke-width="1.7"/>',

    // Two currency symbols with exchange arrows — "FX & cross-border."
    'fx-banking':
      '<text x="3.5" y="10.5" font-size="10" font-weight="700" font-family="Georgia, serif" stroke="none" fill="currentColor">$</text>' +
      '<text x="14" y="20.5" font-size="10" font-weight="700" font-family="Georgia, serif" stroke="none" fill="var(--tb-accent)">¥</text>' +
      '<path d="M11 7h7l-2-2M13 17H6l2 2" stroke-width="1.6"/>',

    // Sun + horizon line with ground tick marks — "retirement decumulation."
    decumulation:
      '<circle cx="12" cy="10" r="3.6" stroke="var(--tb-accent)" stroke-width="1.7"/>' +
      '<line x1="3" y1="17" x2="21" y2="17" stroke-width="1.6"/>' +
      '<path d="M12 3.5v1.5M12 15v1.2M3.5 10h1.5M19 10h1.5M5.6 4l1 1M17.4 4l-1 1" stroke-width="1.6"/>',

    // ── Family & Life Events ───────────────────────────────────────
    // Two head-and-shoulder silhouettes (adult + child) — no ZWJ.
    family:
      '<circle cx="8" cy="7" r="2.6" stroke-width="1.6"/>' +
      '<path d="M3 20v-1.5a4.5 4.5 0 0 1 4.5-4.5h1a4.5 4.5 0 0 1 4.5 4.5V20" stroke-width="1.6"/>' +
      '<circle cx="17" cy="10" r="2" stroke="var(--tb-accent)" stroke-width="1.6"/>' +
      '<path d="M13.5 20v-1.5a3 3 0 0 1 3-3h1a3 3 0 0 1 3 3V20" stroke="var(--tb-accent)" stroke-width="1.6"/>',

    // Document scroll with a branching lineage tree — "succession / wills."
    estate:
      '<rect x="5" y="3" width="14" height="18" rx="1.5" stroke-width="1.6"/>' +
      '<line x1="8" y1="7" x2="16" y2="7" stroke-width="1.6"/>' +
      '<line x1="8" y1="10" x2="16" y2="10" stroke-width="1.6"/>' +
      '<path d="M12 13v3M8.5 18.5h7" stroke="var(--tb-accent)" stroke-width="1.7"/>' +
      '<path d="M9 16h6" stroke="var(--tb-accent)" stroke-width="1.7"/>' +
      '<path d="M8.5 18.5l-0.5 1.5M15.5 18.5l0.5 1.5M12 18.5v1.5" stroke="var(--tb-accent)" stroke-width="1.5"/>',

    // Medical cross with heartbeat trace — "healthcare + insurance."
    healthcare:
      '<rect x="9" y="3" width="6" height="18" rx="1.2" stroke-width="1.6"/>' +
      '<rect x="3" y="9" width="18" height="6" rx="1.2" stroke-width="1.6"/>' +
      '<polyline points="3,12 7,12 9,9 11,15 13,11 21,11" stroke="var(--tb-accent)" stroke-width="1.7" fill="none"/>',

    // Stethoscope-style curve + heart drop — "health records / tracker."
    // Distinct from healthcare's cross-and-heartbeat: this one is for
    // records-keeping, so we lead with the diagnostic instrument feel.
    'health-tracker':
      '<path d="M5 4v6a4 4 0 0 0 8 0V4" stroke-width="1.7"/>' +
      '<path d="M5 4h2M11 4h2" stroke-width="1.7"/>' +
      '<path d="M9 14v2a4 4 0 0 0 4 4h0a4 4 0 0 0 4-4v-2" stroke-width="1.7"/>' +
      '<circle cx="17" cy="11" r="2.2" stroke="var(--tb-accent)" stroke-width="1.7"/>' +
      '<path d="M17 9v4M15 11h4" stroke="var(--tb-accent)" stroke-width="1.7"/>',

    // ── Status-Specific ────────────────────────────────────────────
    // Clock with a forward-arrow conversion arc — "Roth sequencing."
    'sofa-roth':
      '<circle cx="12" cy="13" r="7" stroke-width="1.6"/>' +
      '<polyline points="12,9 12,13 15,15" stroke-width="1.7"/>' +
      '<path d="M17 4a6 6 0 0 1 4 4" stroke="var(--tb-accent)" stroke-width="1.7"/>' +
      '<path d="M21 4v4h-4" stroke="var(--tb-accent)" stroke-width="1.7"/>',

    // 5-point star with a small ribbon at the bottom — "veteran service."
    veteran:
      '<polygon points="12,3 14,8.5 20,9.2 15.5,13 17,19 12,16 7,19 8.5,13 4,9.2 10,8.5" stroke-width="1.6"/>' +
      '<path d="M9.5 16l-1.5 4 4-2 4 2-1.5-4" stroke="var(--tb-accent)" stroke-width="1.7" fill="none"/>',

    // House with a small year-counter tag at the door — "long-term resident."
    resident:
      '<path d="M4 11l8-7 8 7v9a1 1 0 0 1-1 1H5a1 1 0 0 1-1-1z" stroke-width="1.6"/>' +
      '<rect x="10" y="13" width="4" height="8" rx="0.6" stroke="var(--tb-accent)" stroke-width="1.6"/>' +
      '<line x1="10" y1="17" x2="14" y2="17" stroke="var(--tb-accent)" stroke-width="1.6"/>',

    // House with a key inside — "real estate ownership."
    property:
      '<path d="M3 11l9-7 9 7v9a1 1 0 0 1-1 1H4a1 1 0 0 1-1-1z" stroke-width="1.6"/>' +
      '<circle cx="14.5" cy="14.5" r="2" stroke="var(--tb-accent)" stroke-width="1.7"/>' +
      '<path d="M13 14.5h-3M10 14.5v1.6M11.5 14.5v1" stroke="var(--tb-accent)" stroke-width="1.7"/>',

    // ── AI & Tools ────────────────────────────────────────────────
    // Speech bubble with ninja-style eye slits (echoes the Taigan ninja
    // motif elsewhere in the app).
    'ask-taigan':
      '<path d="M4 6a2 2 0 0 1 2-2h12a2 2 0 0 1 2 2v9a2 2 0 0 1-2 2h-5l-5 3v-3H6a2 2 0 0 1-2-2z" stroke-width="1.6"/>' +
      '<path d="M7 10.5h3.5M13.5 10.5H17" stroke="var(--tb-accent)" stroke-width="2.2" stroke-linecap="round"/>',

    // Clipboard with two stacked person icons — "consultation log."
    consultations:
      '<rect x="5" y="4" width="14" height="17" rx="1.5" stroke-width="1.6"/>' +
      '<rect x="9" y="2" width="6" height="3" rx="0.6" stroke-width="1.6"/>' +
      '<circle cx="9.5" cy="11" r="1.4" stroke="var(--tb-accent)" stroke-width="1.5"/>' +
      '<path d="M7 16v-0.5a2.5 2.5 0 0 1 5 0V16" stroke="var(--tb-accent)" stroke-width="1.5"/>' +
      '<circle cx="14.5" cy="11" r="1.2" stroke-width="1.5"/>' +
      '<path d="M12.5 16v-0.5a2 2 0 0 1 4 0V16" stroke-width="1.5"/>',

    // Two nodes linked by a dashed bridge — "sharing & backup."
    'sharing-backup':
      '<circle cx="6" cy="6" r="2.5" stroke-width="1.6"/>' +
      '<circle cx="18" cy="6" r="2.5" stroke-width="1.6"/>' +
      '<circle cx="12" cy="19" r="2.5" stroke-width="1.6"/>' +
      '<path d="M6 8.5L11 16.5M18 8.5L13 16.5" stroke-width="1.6"/>' +
      '<path d="M8.5 6h7" stroke="var(--tb-accent)" stroke-width="1.7" stroke-dasharray="2 2.5"/>',

    // ── Core (profile, settings, action-center, etc.) ─────────────
    profile:
      '<circle cx="12" cy="8" r="3.5" stroke-width="1.6"/>' +
      '<path d="M4 21v-1.5a6 6 0 0 1 6-6h4a6 6 0 0 1 6 6V21" stroke-width="1.6"/>' +
      '<circle cx="18" cy="6" r="1.4" fill="var(--tb-accent)" stroke="none"/>',

    settings:
      '<path d="M12 3l1.2 2.5 2.7-.4 1 2.6 2.4 1.3-1 2.6 1.3 2.4-2.4 1.3-1 2.6-2.7-.4L12 21l-1.2-2.5-2.7.4-1-2.6-2.4-1.3 1-2.6-1.3-2.4 2.4-1.3 1-2.6 2.7.4z" stroke-width="1.5"/>' +
      '<circle cx="12" cy="12" r="2.8" stroke="var(--tb-accent)" stroke-width="1.7"/>',

    'action-center':
      '<path d="M12 3l1.8 5.5h5.7l-4.6 3.4 1.8 5.5L12 14l-4.7 3.4 1.8-5.5L4.5 8.5h5.7z" stroke-width="1.6"/>' +
      '<circle cx="12" cy="11" r="1.8" fill="var(--tb-accent)" stroke="none"/>',

    about:
      '<circle cx="12" cy="12" r="9" stroke-width="1.6"/>' +
      '<path d="M12 8v0.5M12 11v5" stroke="var(--tb-accent)" stroke-width="2.1" stroke-linecap="round"/>',

    // ── Header UI icons (search, print, view-mode, theme) ─────────
    // Same visual language as the module icons: 24×24, line art,
    // 1.6-2.0 stroke, currentColor primary, vermillion accent on the
    // distinguishing detail. These replace the platform-fragile emojis
    // (🔍 🖨 👥 🌙) that render inconsistently in Segoe UI Emoji.

    // Magnifying glass with a vermillion lens highlight.
    'ui-search':
      '<circle cx="10.5" cy="10.5" r="6.5" stroke-width="1.7"/>' +
      '<line x1="15.5" y1="15.5" x2="20.5" y2="20.5" stroke-width="2.1"/>' +
      '<path d="M8 9a3 3 0 0 1 3-3" stroke="var(--tb-accent)" stroke-width="1.6"/>',

    // Printer with a vermillion "output sheet" coming out the front —
    // makes it instantly readable as "print" vs "fax" or "scanner."
    'ui-print':
      '<path d="M6 9V4h12v5" stroke-width="1.6"/>' +
      '<rect x="3" y="9" width="18" height="8" rx="1.5" stroke-width="1.6"/>' +
      '<rect x="6" y="13" width="12" height="7" rx="0.6" stroke="var(--tb-accent)" stroke-width="1.7"/>' +
      '<circle cx="17.5" cy="12" r="0.7" fill="currentColor" stroke="none"/>',

    // Single-person silhouette — user-perspective view mode.
    'ui-view-user':
      '<circle cx="12" cy="8" r="3.5" stroke-width="1.7"/>' +
      '<path d="M5 20v-1a6 6 0 0 1 6-6h2a6 6 0 0 1 6 6v1" stroke-width="1.7"/>',

    // Two overlapping silhouettes with vermillion accent on the
    // smaller (spouse) figure — spouse-perspective view mode.
    'ui-view-spouse':
      '<circle cx="9" cy="8" r="3" stroke-width="1.7"/>' +
      '<path d="M3 20v-1a5 5 0 0 1 5-5h2a5 5 0 0 1 5 5v1" stroke-width="1.7"/>' +
      '<circle cx="17" cy="10" r="2.4" stroke="var(--tb-accent)" stroke-width="1.7"/>' +
      '<path d="M13.5 20v-1a4 4 0 0 1 4-4h0a4 4 0 0 1 4 4v1" stroke="var(--tb-accent)" stroke-width="1.7"/>',

    // Sun for "switch to light mode" — vermillion sun rays.
    'ui-theme-light':
      '<circle cx="12" cy="12" r="4" stroke-width="1.7"/>' +
      '<path d="M12 3v2M12 19v2M3 12h2M19 12h2M5.6 5.6l1.4 1.4M17 17l1.4 1.4M5.6 18.4l1.4-1.4M17 7l1.4-1.4" stroke="var(--tb-accent)" stroke-width="1.7"/>',

    // Crescent moon for "switch to dark mode" — vermillion star
    // alongside (small accent).
    'ui-theme-dark':
      '<path d="M20 14.5A8 8 0 0 1 9.5 4a8 8 0 1 0 10.5 10.5z" stroke-width="1.7"/>' +
      '<path d="M16 5l0.6 1.4L18 7l-1.4 0.6L16 9l-0.6-1.4L14 7l1.4-0.6z" stroke="var(--tb-accent)" stroke-width="1.4" fill="var(--tb-accent)"/>',
  };

  function get(moduleId, opts) {
    const body = ICONS[moduleId];
    if (!body) return null;
    opts = opts || {};
    const size = opts.size || 24;
    const svg = document.createElementNS(SVG_NS, 'svg');
    svg.setAttribute('viewBox', '0 0 24 24');
    svg.setAttribute('width', String(size));
    svg.setAttribute('height', String(size));
    svg.setAttribute('fill', 'none');
    svg.setAttribute('stroke', 'currentColor');
    svg.setAttribute('stroke-linecap', 'round');
    svg.setAttribute('stroke-linejoin', 'round');
    svg.setAttribute('aria-hidden', opts.title ? 'false' : 'true');
    svg.classList.add('tb-icon');
    svg.classList.add('tb-icon--' + moduleId);
    if (opts.title) {
      const title = document.createElementNS(SVG_NS, 'title');
      title.textContent = opts.title;
      svg.appendChild(title);
    }
    // Inline-set the body. innerHTML works on SVG in modern browsers;
    // we already require ES2019+ throughout the app.
    svg.innerHTML = (svg.innerHTML || '') + body;
    return svg;
  }

  function has(moduleId) { return !!ICONS[moduleId]; }
  function list() { return Object.keys(ICONS); }

  window.TB = window.TB || {};
  window.TB.icons = { get, has, list };
})();

</script>
  <script data-source="scripts/glossary.js">
/* Taigan Bridge — glossary.js
 *
 * Click-to-define glossary system. A central registry of acronyms
 * and key concepts; an annotator that wraps occurrences in rendered
 * text with clickable buttons; a modal that displays the full
 * definition with related terms (themselves clickable for navigation).
 *
 * Sits alongside the JP-term annotator (utils.js → annotateJpTerms):
 *   • annotateJpTerms wraps Japanese kanji in <ruby> with furigana
 *     above and an English tooltip on hover.
 *   • TB.glossary.annotate wraps English acronyms (PFIC, NISA, …)
 *     and Japanese terms with definitions in <button> elements that
 *     open this modal on click.
 *
 * Both annotators run via the MutationObserver in index.html boot.
 *
 * To add a term: extend the GLOSSARY object below. Keys are matched
 * case-sensitively against text (so "PFIC" matches but "Pfic" does
 * not — appropriate for acronyms). Multi-word terms supported.
 */

(function () {
  'use strict';

  // ====================================================================
  // GLOSSARY DATA
  // ====================================================================
  //
  // Each entry:
  //   term          — display string (also the match key by default)
  //   match         — optional: alternate strings that should match
  //   expansion     — what the acronym stands for
  //   short         — one-sentence definition (shown at top of modal)
  //   long          — full explanation, multiple paragraphs allowed
  //   why           — "why it matters" / "applies to" — actionable framing
  //   category      — 'us-tax' | 'jp-tax' | 'retirement' | 'investing' | 'jp-banking' | 'sofa'
  //   related       — array of other glossary keys, shown as chips
  //   refs          — array of { label, url } external references

  const GLOSSARY = {
    // ── US TAX / RETIREMENT ──────────────────────────────────────────
    'PFIC': {
      expansion: 'Passive Foreign Investment Company',
      short: 'A US tax classification for non-US-domiciled mutual funds, ETFs, and similar pooled investments. Triggers punitive tax treatment for US persons.',
      long: 'A foreign corporation is a PFIC if 75%+ of gross income is passive (dividends, interest, rents) OR 50%+ of assets produce passive income. Almost all Japanese mutual funds, NISA holdings, and iDeCo investments qualify. US persons holding a PFIC face: (1) tax on "excess distributions" at the highest marginal rate plus an interest charge for each year held; (2) loss of LTCG preferential rates; (3) no step-up in basis at death; (4) annual Form 8621 filings per fund (typical CPA cost: $300-500 per fund per year). The QEF and MTM elections soften but never eliminate the cost.',
      why: 'If you are a US person living in Japan, do NOT buy Japanese mutual funds, ETFs, NISA, or iDeCo investments. Stick to US-domiciled funds (VTI, VXUS, etc.) held in US brokerages.',
      category: 'us-tax',
      related: ['NISA', 'iDeCo', 'Form 8621', '投資信託'],
      refs: [
        { label: 'IRS Form 8621 instructions', url: 'https://www.irs.gov/forms-pubs/about-form-8621' },
      ],
    },
    'NISA': {
      expansion: '少額投資非課税制度 (Nippon Individual Savings Account)',
      short: 'Japan\'s tax-free investment account, expanded in 2024 to ¥3.6M/yr and ¥18M lifetime cap.',
      long: 'NISA allows Japanese residents to invest in stocks and funds without paying tax on dividends or capital gains. The 新NISA (new NISA) introduced in 2024 has two slots: つみたて投資枠 (Tsumitate, ¥1.2M/yr in approved index funds) and 成長投資枠 (Growth, ¥2.4M/yr in stocks/ETFs). Lifetime contribution cap: ¥18M. Sounds great — except for US persons.',
      why: 'For US persons, NISA is a TRAP. The investments inside are Japanese funds → PFIC under US law → punitive tax that destroys the JP tax savings. Available cleanly only to non-US-person spouses.',
      category: 'jp-tax',
      related: ['PFIC', 'iDeCo', '投資信託'],
    },
    'iDeCo': {
      expansion: '個人型確定拠出年金 (Individual Defined Contribution Pension)',
      short: 'Japan\'s individual DC pension — tax-deductible contributions, tax-deferred growth, taxed at withdrawal.',
      long: 'iDeCo allows JP residents to contribute to a personal pension account (max varies: ¥144K-¥816K/yr depending on employment status). Contributions reduce JP taxable income dollar-for-dollar; growth is JP-tax-free until age 60+; withdrawal taxed favorably as either a lump sum (退職所得控除) or annuity (公的年金等控除). Like NISA, iDeCo invests in Japanese mutual funds.',
      why: 'For US persons: PFIC trap, same as NISA. Skip it. For non-US-person spouses with JP income, it\'s a powerful tax-deferred vehicle.',
      category: 'jp-tax',
      related: ['PFIC', 'NISA', '厚生年金'],
    },
    'SECURE 2.0': {
      expansion: 'Setting Every Community Up for Retirement Enhancement Act 2.0',
      short: '2022 US legislation that reshaped retirement account rules — most provisions phased in 2023-2026.',
      long: 'Major SECURE 2.0 changes: RMD age raised from 72 to 73 (eventually 75 by 2033); enhanced catch-up contributions for ages 60-63 ($11,250 vs the standard $7,500 starting 2025); Section 603 mandates Roth-only catch-up for high earners (>$145K prior-year wages, starting 2026); 401(k) auto-enrollment for new plans; Roth SEP/SIMPLE IRAs allowed; 529-to-Roth rollovers allowed.',
      why: 'Three SECURE 2.0 provisions hit retirement projections: enhanced 60-63 catch-up, Section 603 Roth requirement for high earners, and the RMD-age push. The Projections engine models all three.',
      category: 'us-tax',
      related: ['Section 603', 'Section 109', 'RMD', 'Catch-up Contribution', 'Roth IRA'],
    },
    'Section 603': {
      expansion: 'SECURE 2.0 Section 603',
      short: 'Starting 2026, mandatory Roth treatment for catch-up contributions by high earners (>$145K prior-year wages).',
      long: 'If your prior-year FICA wages exceed $145K (indexed for inflation), your $7,500 (or $11,250 at age 60-63) catch-up contribution MUST go into a Roth 401(k) account, not Traditional. If your plan doesn\'t offer a Roth 401(k) option, you forfeit the catch-up entirely. Originally scheduled for 2024, delayed to 2026.',
      why: 'If you are a high earner planning catch-up contributions, you need a Roth 401(k) account in your employer plan starting 2026. The Projections engine flags this in the Tax Strategy tab.',
      category: 'us-tax',
      related: ['SECURE 2.0', 'Catch-up Contribution', 'Roth 401(k)'],
    },
    'Section 109': {
      expansion: 'SECURE 2.0 Section 109',
      short: 'Enhanced catch-up contribution limit at ages 60-63 — $11,250 instead of the standard $7,500.',
      long: 'For 2025+, workers aged 60, 61, 62, or 63 can make catch-up contributions of the GREATER of $10,000 or 150% of the standard age-50+ catch-up amount (~$11,250 for 2025). Reverts to the standard $7,500 at age 64. Inflation-adjusted thereafter.',
      why: 'A four-year window of bonus retirement-savings room. The Projections engine\'s irs401kLimitDetail() automatically applies the enhanced amount in years where you\'re 60-63.',
      category: 'us-tax',
      related: ['SECURE 2.0', 'Catch-up Contribution'],
    },
    'Catch-up Contribution': {
      expansion: 'IRS retirement plan catch-up',
      short: 'Extra retirement-account contribution allowed for workers age 50+, on top of the regular limit.',
      long: 'IRS lets workers 50+ contribute extra to 401(k), 403(b), TSP ($7,500 in 2024 + indexed) and IRAs ($1,000). SECURE 2.0 enhanced the 401(k)/403(b)/TSP catch-up to $11,250 at ages 60-63.',
      category: 'us-tax',
      related: ['SECURE 2.0', 'Section 109', 'Section 603'],
    },
    'Rule of 55': {
      expansion: 'IRS Rule of 55',
      short: 'Lets workers who separate from their employer at age 55+ withdraw from that employer\'s 401(k)/TSP/403(b) without the 10% early-withdrawal penalty.',
      long: 'Normally, distributions from retirement accounts before age 59½ trigger a 10% federal penalty on top of income tax. Rule of 55 carves out an exception: if you separate from your employer in or after the calendar year you turn 55, you can withdraw from THAT employer\'s plan penalty-free. Income tax still applies to traditional pre-tax distributions. Does NOT apply to IRAs (Trad or Roth) — rolling 401(k) into an IRA before 59½ forfeits this benefit.',
      why: 'If you\'re retiring early (55-59), keep money in your 401(k) — don\'t roll it to an IRA — until you\'re 59½ or older. Plan the rollover timing carefully.',
      category: 'retirement',
      related: ['401(k)', '72(t) SEPP', 'RMD'],
    },
    'RMD': {
      expansion: 'Required Minimum Distribution',
      short: 'Mandatory annual withdrawal from pre-tax retirement accounts (Traditional IRA, 401k, TSP) starting at age 73.',
      long: 'IRS requires annual minimum distributions from Traditional IRAs, 401(k)s, 403(b)s, and TSP starting the year you turn 73 (was 70½ before SECURE; raised to 72 by SECURE 1.0; raised to 73 by SECURE 2.0; rises to 75 in 2033). Amount = prior-year balance ÷ IRS life-expectancy factor. Failure to take an RMD triggers a 25% excise tax (was 50% before SECURE 2.0). Roth IRAs are EXEMPT during the owner\'s lifetime; Roth 401(k)s also exempt as of SECURE 2.0.',
      why: 'Drives Roth conversion strategy: convert pre-tax → Roth in low-income years BEFORE 73 to reduce future RMDs. The Projections engine flags your first RMD year in the Tax Strategy tab.',
      category: 'retirement',
      related: ['Traditional IRA', '401(k)', 'Roth IRA', 'Roth Conversion', 'SECURE 2.0'],
    },
    'Roth Conversion': {
      expansion: 'Traditional → Roth IRA conversion',
      short: 'Move money from a pre-tax (Traditional IRA / 401k) account into a Roth account, paying ordinary income tax on the converted amount today in exchange for tax-free withdrawals later.',
      long: 'A Roth conversion is taxed as ordinary income in the year of conversion. After conversion, the money grows tax-free in the Roth account and qualified withdrawals are tax-free. Strategic value: pay tax in low-bracket years (early retirement, between salary and SS) to avoid higher-bracket tax later AND eliminate RMDs on the converted balance.',
      why: 'For US persons in Japan: must convert BEFORE 住民票 registration. After 住民票, Japan also taxes the conversion as ordinary income (20-45% national + 10% local) on top of US tax — making the conversion 35-55% expensive. The Projections Tax Strategy tab includes a conversion ladder editor.',
      category: 'us-tax',
      related: ['Roth IRA', 'Traditional IRA', '住民票', 'Bracket Fill', 'SOFA'],
    },
    'Bracket Fill': {
      expansion: 'Tax-bracket filling strategy',
      short: 'Realize income (Roth conversion, capital gains harvesting) up to the top of your current tax bracket but no further.',
      long: 'In low-income years, deliberately recognize taxable income up to a target bracket ceiling. E.g., if you\'re in the 22% bracket with $40K of headroom, convert $40K from Traditional to Roth — paying 22% now to avoid 24-32% later. Stay below the ceiling to avoid jumping brackets.',
      why: 'The most common application is a Roth conversion ladder during early retirement (low salary years between work and SS).',
      category: 'us-tax',
      related: ['Roth Conversion', 'LTCG'],
    },
    'Roth IRA': {
      expansion: 'Roth Individual Retirement Account',
      short: 'Post-tax US retirement account; contributions are not deductible but qualified withdrawals (after age 59½ + 5-year rule) are entirely tax-free.',
      long: 'Annual contribution limit $7K (2024, indexed). Income limits apply (single < $161K, MFJ < $240K). Contributions can be withdrawn at any time tax-free; earnings withdrawn before 59½ subject to penalty + tax. Conversions from Traditional accounts have a 5-year clock per conversion. NOT recognized by Japan — JP taxes Roth distributions as ordinary income.',
      category: 'us-tax',
      related: ['Roth Conversion', 'Backdoor Roth', 'Traditional IRA', 'RMD'],
    },
    'Roth 401(k)': {
      expansion: 'Roth 401(k)',
      short: 'Employer 401(k) plan contributions made post-tax; growth and qualified withdrawals tax-free. Higher contribution limit than Roth IRA, no income limits.',
      long: 'Up to the standard 401(k) limit ($23K + catch-up). No income limits like Roth IRA has. Subject to Rule of 55. Required for catch-up contributions of high earners under SECURE 2.0 Section 603 starting 2026.',
      category: 'us-tax',
      related: ['Roth IRA', 'Section 603', 'Rule of 55'],
    },
    'Traditional IRA': {
      expansion: 'Traditional Individual Retirement Account',
      short: 'Pre-tax US retirement account; contributions may be deductible; growth tax-deferred; withdrawals taxed as ordinary income.',
      long: 'Annual limit $7K. Subject to RMDs starting age 73. Withdrawals before 59½ subject to 10% penalty (Rule of 55 does NOT apply). Conversions to Roth allowed any time, with tax due on the converted amount.',
      category: 'us-tax',
      related: ['Roth IRA', 'Roth Conversion', 'RMD', '401(k)'],
    },
    '401(k)': {
      expansion: '401(k) employer-sponsored retirement plan',
      short: 'US employer-sponsored retirement plan, named for IRC section 401(k). Employee contributions are pre-tax (or Roth); employer match is pre-tax.',
      long: 'Employee deferral limit $23K (2024) + age-50+ catch-up. Employer contribution + employee deferral combined cap $69K. Subject to RMDs at 73 (Roth 401(k) exempt as of SECURE 2.0). Rule of 55 applies if you separate from the sponsor at 55+.',
      category: 'us-tax',
      related: ['Roth 401(k)', 'TSP', '403(b)', 'Rule of 55', 'SECURE 2.0'],
    },
    'TSP': {
      expansion: 'Thrift Savings Plan',
      short: 'The federal-employee equivalent of a 401(k) — for civilian federal workers, US military, and CIA employees.',
      long: 'TSP is the largest defined-contribution plan in the world. Same contribution limits as 401(k). Five core funds (G, F, C, S, I) plus L (lifecycle) funds. Roth TSP available. Federal Employees Retirement System (FERS) participants get a 5% employer match. Subject to RMDs at 73; Rule of 55 applies.',
      category: 'retirement',
      related: ['401(k)', 'SOFA', 'DoD'],
    },
    '403(b)': {
      expansion: '403(b) plan',
      short: 'Tax-deferred retirement plan for non-profit employees (schools, hospitals, religious organizations).',
      long: 'Similar to 401(k) but for 501(c)(3) organizations and public schools. Same contribution limits. May offer Roth option. Sometimes called a "tax-sheltered annuity" because historically annuity-only.',
      category: 'us-tax',
      related: ['401(k)', 'TSP'],
    },
    'HSA': {
      expansion: 'Health Savings Account',
      short: 'Triple-tax-advantaged US account: pre-tax contributions, tax-free growth, tax-free withdrawals for qualified medical expenses.',
      long: 'Requires enrollment in a high-deductible health plan (HDHP). 2024 limits: $4.15K self / $8.3K family + $1K age-55+ catch-up. After 65, non-medical withdrawals taxed as ordinary income (no penalty). Before 65, non-medical = 20% penalty + tax. Not recognized by Japan — JP taxes growth and withdrawals.',
      why: 'HSA is the most tax-efficient US account if you have an HDHP. But Japan ignores the wrapper — distributions during JP residency are JP-taxable.',
      category: 'us-tax',
      related: ['IRMAA', 'Medicare'],
    },
    'RSU': {
      expansion: 'Restricted Stock Unit',
      short: 'Employer compensation in the form of company shares that vest over time. Taxed as ordinary income at vest, then capital gains/loss on subsequent sale.',
      long: 'Common at tech companies. Taxed at vest based on FMV; tax withholding usually via "sell-to-cover" of vested shares. Subsequent sale generates capital gain/loss vs vest-date basis. For US persons in Japan, the Japan-source portion of the vest is JP-taxable based on workdays in Japan during the vest period.',
      why: 'RSU vesting after 住民票 registration creates split-source income that is taxable in both the US and Japan. Coordinate with employer payroll on the W-2 / 給与所得 split BEFORE 住民票.',
      category: 'us-tax',
      related: ['NSO', 'ISO', '給与所得'],
    },
    'NSO': {
      expansion: 'Non-qualified Stock Option',
      short: 'Stock option that taxes the bargain element (FMV minus strike price) as ordinary income at exercise.',
      long: 'Compared to ISOs, NSOs are simpler tax-wise but lose the AMT-deferral benefit. Subject to FICA. Common for non-employees (consultants, board members) and broad employee grants.',
      category: 'us-tax',
      related: ['ISO', 'RSU', 'AMT'],
    },
    'ISO': {
      expansion: 'Incentive Stock Option',
      short: 'Tax-advantaged stock option that defers tax until sale, with potential AMT impact at exercise.',
      long: 'Holding ISO shares 1+ years post-exercise AND 2+ years post-grant qualifies for LTCG treatment on the spread. Bargain element at exercise is an AMT preference item.',
      category: 'us-tax',
      related: ['NSO', 'AMT', 'LTCG'],
    },
    'AMT': {
      expansion: 'Alternative Minimum Tax',
      short: 'Parallel US tax system designed to ensure high-income filers pay a minimum. ISO exercise is a common trigger.',
      long: 'AMT recalculates taxable income with fewer deductions and preferences, then taxes it at 26%/28%. You owe the higher of regular tax or AMT.',
      category: 'us-tax',
      related: ['ISO', 'NIIT'],
    },
    'LTCG': {
      expansion: 'Long-Term Capital Gain',
      short: 'Profit from selling an investment held more than one year. Taxed at preferential US rates (0/15/20%).',
      long: 'Long-term = held more than 12 months. US LTCG rate depends on income: 0% in lowest brackets, 15% middle, 20% top. NIIT adds 3.8% above MAGI thresholds. Japan taxes LTCG at 20.315% (national + local) without preferential treatment.',
      category: 'us-tax',
      related: ['NIIT', 'Bracket Fill'],
    },
    'NIIT': {
      expansion: 'Net Investment Income Tax',
      short: 'A 3.8% US tax on investment income above MAGI thresholds ($200K single / $250K MFJ).',
      long: 'Applies to interest, dividends, capital gains, rental income, and royalties. Stacks on top of regular income tax + LTCG. Cannot be offset by foreign tax credit.',
      category: 'us-tax',
      related: ['LTCG', 'AMT'],
    },
    'IRMAA': {
      expansion: 'Income-Related Monthly Adjustment Amount',
      short: 'Higher Medicare Part B and Part D premiums for retirees with income above thresholds.',
      long: 'Determined from your tax return two years prior (2024 IRMAA based on 2022 income). Tiered surcharges from $0 to $400+/month per person above thresholds starting at $103K single / $206K MFJ.',
      why: 'A big income year (Roth conversion, RSU vest) two years before Medicare enrollment can spike your Part B premiums. Time conversions accordingly.',
      category: 'retirement',
      related: ['Medicare', 'RMD', 'Roth Conversion'],
    },
    'Medicare': {
      expansion: 'US Medicare program',
      short: 'US federal health insurance for age 65+ and certain disabilities. Part A (hospital) typically free; Part B (medical) $202.90/month (2026, standard); Part D (drugs) varies.',
      long: 'Eligibility at 65 if you have 40+ quarters of Medicare-covered employment. Coordinates with US-Japan Totalization Agreement. Premiums increase via IRMAA for higher-income retirees. Does NOT cover medical care abroad except in specific border situations.',
      category: 'retirement',
      related: ['IRMAA', 'Social Security'],
    },
    'Social Security': {
      expansion: 'US Social Security retirement benefit',
      short: 'US federal retirement income program. Claim age 62-70; full retirement age (FRA) is 67 for those born 1960+.',
      long: 'Benefit is calculated from your highest 35 years of inflation-adjusted earnings. Claim early at 62 = ~70% of FRA benefit. Claim late at 70 = 124% of FRA benefit. SS is taxed as ordinary income above income thresholds. US-Japan totalization agreement prevents loss of benefits for splitting career between countries.',
      category: 'retirement',
      related: ['FRA', 'Medicare', 'Totalization Agreement'],
    },
    'FRA': {
      expansion: 'Full Retirement Age',
      short: 'The age at which you receive your full Social Security benefit — 67 for anyone born 1960 or later.',
      long: 'For folks born 1955-1959 the FRA gradually increases from 66 to 67. Claiming before FRA permanently reduces your benefit; claiming after FRA (up to 70) increases it 8% per year.',
      category: 'retirement',
      related: ['Social Security'],
    },
    'FBAR': {
      expansion: 'Report of Foreign Bank and Financial Accounts (FinCEN Form 114)',
      short: 'Annual US disclosure of foreign financial accounts when their aggregate maximum value during the year exceeded $10,000.',
      long: 'Required of US persons (citizens, green-card holders, residents) with signature authority over foreign accounts. Filed electronically with FinCEN by April 15 (auto-extended to October 15). Penalties for non-filing: up to $16,536 per report for non-willful, and the greater of $165,353 or 50% of the account balance for willful (figures inflation-adjusted annually; non-willful is per report, not per account, after Bittner 2023). The Taigan Bridge FBAR Tracker module helps you stay compliant.',
      why: 'If you have ANY Japanese bank or brokerage account and you\'re a US person, you almost certainly need to file FBAR every year.',
      category: 'us-tax',
      related: ['Form 8938', 'FATCA', 'FinCEN'],
      refs: [
        { label: 'FinCEN BSA filing', url: 'https://bsaefiling.fincen.treas.gov/' },
      ],
    },
    'Form 8938': {
      expansion: 'Statement of Specified Foreign Financial Assets',
      short: 'IRS form attached to your 1040 reporting foreign financial assets above thresholds. Separate from FBAR.',
      long: 'Required when aggregate foreign asset value exceeds: $50K single / $100K MFJ (US-resident); $200K single / $400K MFJ (foreign-resident). Year-end + max during year both matter. Penalties: $10K per failure, additional $50K for continued failure. Filed with your 1040, NOT with FinCEN.',
      category: 'us-tax',
      related: ['FBAR', 'FATCA'],
    },
    'FATCA': {
      expansion: 'Foreign Account Tax Compliance Act',
      short: 'US law requiring foreign financial institutions to report US-person account holders to the IRS.',
      long: 'Passed 2010. JP banks ask US persons to fill out a W-9 and disclose to the IRS via the Japanese government. Why some JP banks decline US-person customers entirely. Drives the need for Forms 8938 and 8621.',
      category: 'us-tax',
      related: ['FBAR', 'Form 8938'],
    },
    'Form 8621': {
      expansion: 'Information Return by a Shareholder of a PFIC',
      short: 'IRS form filed annually for each PFIC holding. CPA cost typically $300-500 per fund per year.',
      long: 'Required for any year you hold a PFIC. Three modes: default (excess distributions), QEF election (treat as flow-through), MTM election (mark-to-market annually). Each election has nuances; default mode is punitive. The form itself is so complex it\'s standard CPA territory.',
      category: 'us-tax',
      related: ['PFIC', 'NISA'],
    },
    'FEIE': {
      expansion: 'Foreign Earned Income Exclusion',
      short: 'Excludes up to ~$126K (2024) of foreign-earned income from US taxation if you meet residency tests.',
      long: 'Claimed on Form 2555. Two qualifying tests: bona fide residence (full tax year abroad) or physical presence (330 days in any 12-month period). Excludes earned income only, not investment income. Can\'t be used in conjunction with Foreign Tax Credit on the same income — usually FTC wins for high earners in Japan since JP rates exceed US rates.',
      why: 'Most US persons in Japan use FTC instead of FEIE because JP tax rates are higher than US — the FTC fully offsets US tax. FEIE is better only for low-income or zero-tax-jurisdiction folks.',
      category: 'us-tax',
      related: ['FTC', 'Article 17'],
    },
    'FTC': {
      expansion: 'Foreign Tax Credit',
      short: 'Dollar-for-dollar US credit for income taxes paid to a foreign country. Claimed on Form 1116.',
      long: 'For each US dollar of qualified foreign income tax paid, you get $1 of US tax credit. Separated into "baskets" — passive income, general income, etc. — each with its own limitation. Carryforward 10 years for unused credit. The cross-claim makes effective burden ≈ max(US rate, JP rate) rather than the sum.',
      category: 'us-tax',
      related: ['FEIE', 'Article 17'],
    },
    'Article 17': {
      expansion: 'US-Japan Tax Treaty Article 17 (Pensions)',
      short: 'Treaty article that, in theory, lets pensions be taxed only in the residence country. In practice, the US "saving clause" overrides it for US citizens.',
      long: 'Article 17 of the US-Japan Tax Treaty says pension income (incl. 401(k), IRA, Social Security) is taxable ONLY in the residence country. But the US saving clause in Article 1 allows the US to tax its citizens as if the treaty didn\'t exist. Effect: as a JP-resident US citizen, you owe tax in BOTH countries on pension distributions, then claim FTC to avoid double taxation.',
      category: 'us-tax',
      related: ['FTC', 'Saving Clause', 'Social Security'],
    },
    'Saving Clause': {
      expansion: 'US Tax Treaty Saving Clause',
      short: 'Boilerplate clause in every US tax treaty letting the US tax its citizens as if the treaty didn\'t exist.',
      long: 'Why US persons abroad still face US filing obligations. Carve-outs exist for specific articles (e.g., child support, certain SS benefits) but most income articles are overridden by the saving clause for US citizens.',
      category: 'us-tax',
      related: ['Article 17'],
    },
    'Form 1116': {
      expansion: 'Foreign Tax Credit (Individual)',
      short: 'IRS form claiming dollar-for-dollar credit for foreign income tax paid. Most JP-resident US persons use this instead of FEIE.',
      long: 'Filed with 1040. Each income category ("basket" — general, passive, lump-sum, certain re-sourced) gets its own Form 1116 with its own limitation. Excess foreign tax credit carries back 1 year, forward 10. JP marginal rates exceed US for most income above ¥7M, so FTC typically eliminates US tax entirely on foreign-earned income.',
      category: 'us-tax',
      related: ['FTC', 'FEIE', 'Form 2555'],
    },
    'Form 2555': {
      expansion: 'Foreign Earned Income Exclusion',
      short: 'IRS form claiming the FEIE. Excludes foreign earned income from US tax — $130,000 (2025); $126,500 (2024). Indexed annually.',
      long: 'Either bona-fide-residence or physical-presence (330d/12mo) test. Election binding for 5 years if revoked. For most JP residents, FTC (Form 1116) is better — it doesn\'t cap, covers all income types, and JP tax rates fully offset US tax.',
      category: 'us-tax',
      related: ['FEIE', 'FTC', 'Form 1116'],
    },
    'Form 5471': {
      expansion: 'Information Return of US Persons w/ Foreign Corporation',
      short: 'IRS form required if you own ≥10% of a foreign corp (合同会社, 株式会社, GK, KK). Triggers GILTI computation.',
      long: 'One of the most punitive non-filing penalty regimes ($10K per form per year). Often required even when there\'s no taxable income (informational reporting). GILTI (Global Intangible Low-Taxed Income) regime can create phantom US income from undistributed foreign corp earnings. Specialist CPA territory — generalists frequently miss this.',
      category: 'us-tax',
      related: ['CFC', 'GILTI'],
    },
    'CFC': {
      expansion: 'Controlled Foreign Corporation',
      short: 'Foreign corporation more than 50%-owned by US persons (each holding ≥10%). Triggers Form 5471 + GILTI.',
      long: 'Even minority US ownership can create CFC status if the aggregate US ownership exceeds 50%. As a CFC shareholder, you owe US tax on certain undistributed earnings (Subpart F income, GILTI) annually. Most JP self-employed who form a 合同会社 or 株式会社 inadvertently create a CFC.',
      category: 'us-tax',
      related: ['Form 5471', 'GILTI'],
    },
    'GILTI': {
      expansion: 'Global Intangible Low-Taxed Income',
      short: 'TCJA-era anti-deferral regime taxing US persons on certain undistributed foreign corp earnings.',
      long: 'Originally aimed at multinational tax havens; small-business owners abroad got swept up. Effective rate is ~10.5-13.125% for C-corp shareholders (50% deduction); individuals get full 37% unless they make the §962 election. Computed on Form 8992. JP CFC shareholders often face surprise US tax bills under GILTI even when leaving everything in the JP entity.',
      category: 'us-tax',
      related: ['Form 5471', 'CFC'],
    },
    'ITIN': {
      expansion: 'Individual Taxpayer Identification Number',
      short: 'IRS-issued tax ID for non-US persons who need to file or be claimed on a US return. Issued via Form W-7.',
      long: 'Required for non-US-person spouses if you want to file MFJ via §6013(g) election, and for any non-US-person dependents you claim. Application requires certified copies of identity documents (passport). Usually 7-11 weeks processing. The ITIN expires after 3 consecutive non-use years.',
      category: 'us-tax',
      related: ['MFJ', 'MFS'],
    },
    'Totalization': {
      expansion: 'US-Japan Totalization Agreement',
      short: 'Bilateral treaty preventing double payment of social security / pension contributions.',
      long: 'Without totalization, a US citizen working in Japan could owe US Social Security AND Japanese 厚生年金 on the same wages. The treaty assigns coverage to ONE country based on residency / employer. JP-resident self-employed get a Japanese coverage certificate to avoid US SE tax. Cross-credits help meet minimum-quarter requirements for SS or 国民年金 benefit eligibility.',
      category: 'us-tax',
      related: ['SE Tax', '厚生年金', 'Social Security'],
    },
    'SE Tax': {
      expansion: 'Self-Employment Tax (US)',
      short: '15.3% US tax on self-employed earnings (Social Security + Medicare). Not excluded by FEIE.',
      long: 'Schedule SE. Even if FEIE excludes your foreign earned income from regular income tax, SE tax still applies. Mitigation for JP residents: get a Japanese coverage certificate under the totalization treaty — exempts you from US SE tax (because you\'re paying JP equivalent).',
      category: 'us-tax',
      related: ['Totalization', 'FEIE'],
    },
    'TCJA': {
      expansion: 'Tax Cuts and Jobs Act (2017)',
      short: 'Major US tax reform. Created GILTI, capped SALT deduction, expanded standard deduction, lowered corporate rates.',
      long: 'For US persons abroad: TCJA introduced GILTI (taxing undistributed foreign-corp earnings of US persons holding ≥10% of a CFC), tightened §965 transition tax on previously-deferred earnings, and raised the standard deduction (reducing the value of itemized deductions for many).',
      category: 'us-tax',
      related: ['GILTI', 'CFC'],
    },
    'Subpart F': {
      expansion: 'Subpart F Income (Anti-Deferral)',
      short: 'Pre-TCJA anti-deferral regime taxing CFC shareholders on certain passive / mobile income annually.',
      long: 'Sections 951-965 of the IRC. Taxes US shareholders of a CFC on pro-rata Subpart F income (passive income, sales/services to related parties, etc.) as if distributed, even when actually retained in the foreign corp. GILTI broadened this dramatically post-2017.',
      category: 'us-tax',
      related: ['CFC', 'GILTI', 'Form 5471'],
    },
    'FinCEN': {
      expansion: 'Financial Crimes Enforcement Network',
      short: 'US Treasury bureau that runs the BSA E-Filing system where FBAR is filed.',
      long: 'Distinct from the IRS, though both report to Treasury. FBAR (FinCEN 114) goes to FinCEN; Form 8938 (FATCA) goes to the IRS with your 1040. Two separate filings covering overlapping but not identical sets of foreign assets.',
      category: 'us-tax',
      related: ['FBAR', 'BSA E-Filing'],
    },
    'Form 4868': {
      expansion: 'Application for Automatic Extension of Time (1040)',
      short: 'IRS form requesting a 6-month extension to file your 1040 (to October 15). Does NOT extend time to PAY.',
      long: 'Filed by the original deadline (April 15 for domestic; June 15 for the automatic 2-month expat extension). Pushes the filing deadline to October 15. Estimated tax must still be paid by the original deadline to avoid interest + penalty. JP-resident expats often file 4868 to wait for their 確定申告 (March 15) before finalizing the FTC computation on their US return.',
      category: 'us-tax',
      related: ['FTC', '1040'],
    },
    'BSA E-Filing': {
      expansion: 'Bank Secrecy Act E-Filing System',
      short: 'FinCEN portal where FBAR (FinCEN 114) is filed. Separate from IRS — you cannot file FBAR with your 1040.',
      long: 'bsaefiling.fincen.treas.gov. Free, no account required for individual filers. Returns a confirmation number (BSA ID) you should save with your tax records.',
      category: 'us-tax',
      related: ['FBAR', 'FinCEN'],
    },
    '6013(g) Election': {
      expansion: 'IRC §6013(g) — Spouse Treated as US Resident',
      short: 'Election letting a US person file MFJ with a non-US-person spouse. Subjects the spouse\'s worldwide income to US tax.',
      long: 'Once made, the election binds for all subsequent years until revoked, and revocation triggers a 5-year bar on re-electing. The non-US spouse needs an ITIN. Frequently a TRAP for JP-spouse couples — JP-resident spouses commonly hold 投資信託 / 学資保険 / 確定拠出年金 which all become PFICs once the spouse is in the US system. Run the math both ways (MFJ vs MFS) before electing.',
      category: 'us-tax',
      related: ['MFJ', 'MFS', 'ITIN', 'PFIC'],
    },
    'CLN': {
      expansion: 'Certificate of Loss of Nationality',
      short: 'State Department certificate documenting loss of US citizenship. Issued 6-12 months after consulate renunciation appointment.',
      long: 'Form DS-4083. Required documentation that you\'re no longer a US person — banks (US and foreign) often request a copy. Without a CLN, you remain a US person for tax purposes regardless of intent. Note: your expatriation date is the date of the renunciation OATH, not the date the CLN is later issued. Filing of Form 8854 with the IRS is separately required to formally exit the US tax system.',
      category: 'us-tax',
      related: ['Form 8854', 'Renunciation'],
    },
    'Form 8854': {
      expansion: 'Initial and Annual Expatriation Statement',
      short: 'IRS form filed by a US person renouncing citizenship or surrendering green card. Establishes covered-expatriate status + computes exit tax.',
      long: 'Filed with the final dual-status return for the year of expatriation, due Apr 15 of the following year. Reports your worldwide net worth (for the $2M covered-expatriate test), 5y average tax (~$206K threshold in 2025; inflation-adjusted), and certifies 5y of tax compliance. Failing to file Form 8854 (or filing incorrectly) is itself one of the three covered-expatriate triggers, regardless of net worth or tax level.',
      category: 'us-tax',
      related: ['CLN', 'Renunciation', 'Exit Tax'],
    },
    'Renunciation': {
      expansion: 'Renouncing US Citizenship',
      short: 'Voluntary, irrevocable exit from US citizenship. Requires consulate appointment + DS-4079/4080/4081 + $450 DOS fee (since April 13, 2026; was $2,350 from 2014-2026).',
      long: 'Process: schedule embassy/consulate appointment (wait times range from a few weeks to several months by post), execute DS-4079 (questionnaire) + DS-4080 (oath of renunciation) + DS-4081 (statement of understanding), pay $450 fee. CLN (DS-4083) is approved by the State Department in Washington and arrives several months later. The fee was raised from $450 to $2,350 in 2014, then reduced back to $450 effective April 13, 2026 (Federal Register doc 2026-04931). NO retroactive refunds for those who paid $2,350. Separate from the IRS exit tax (Form 8854 + §877A mark-to-market on covered expatriates). Re-naturalization is theoretically possible but treated as any new immigrant — no special path. The Reed Amendment can bar re-entry for tax-motivated renunciants (rarely enforced).',
      category: 'us-tax',
      related: ['CLN', 'Form 8854', 'Exit Tax', 'Wagner v. Blinken'],
    },
    'Exit Tax': {
      expansion: 'IRC §877A Mark-to-Market Exit Tax',
      short: 'Tax imposed on covered expatriates as if all assets were sold the day before expatriation.',
      long: 'Applies only to covered expatriates ($2M net worth, OR ~$206K avg 5y US tax, OR failed 5y compliance certification on Form 8854). Mark-to-market gain above the §877A exclusion (~$890K in 2025, indexed annually) is taxed at applicable rates. Some assets get special treatment: deferred comp can elect 30% withholding instead, certain trusts deferred until distribution. Deferral of payment available with security posting + interest charge. POST-expatriation: gifts or bequests from a covered expat to a US-person recipient trigger §2801 transfer tax — at the highest gift/estate rate (currently 40%) — on the RECIPIENT, not the giver. This often dwarfs the exit tax for covered expats with US-citizen heirs.',
      category: 'us-tax',
      related: ['Renunciation', 'Form 8854'],
    },
    'Wagner v. Blinken': {
      expansion: 'Wagner v. Blinken (D.D.C. 2023)',
      short: 'Class-action lawsuit by the Association of Accidental Americans challenging the $2,350 renunciation fee. Resolved by State Dept rule reducing the fee to $450 effective April 13, 2026.',
      long: 'Filed by the Association of Accidental Americans, challenging the 2014 fee hike from $450 to $2,350 as unlawful under the Administrative Procedure Act and disproportionate under the Eighth Amendment. After a multi-year procedural fight, the State Department published a final rule (Federal Register doc 2026-04931, March 13, 2026) reducing the fee back to $450 effective April 13, 2026. The State Department EXPRESSLY rejected calls for retroactive refunds, fee waivers, or limited-means relief — anyone who paid $2,350 between 2014 and April 2026 cannot recover the difference. Useful precedent for understanding government accountability for arbitrary fee-setting; less useful for those who already paid.',
      category: 'us-tax',
      related: ['Renunciation'],
    },
    'Reed Amendment': {
      expansion: 'Reed Amendment (1996, INA §212(a)(10)(E))',
      short: 'Statute barring former US citizens who renounced for tax-avoidance purposes from re-entering the US.',
      long: 'On its face, makes any tax-motivated renunciant inadmissible. In practice, almost never enforced — DHS lacks a workable mechanism to determine a renunciant\'s motive, and the State Department has historically refused to share Form 8854 data with DHS. Cited in renunciation literature as a theoretical risk worth knowing about; not a practical bar for most renunciants.',
      category: 'us-tax',
      related: ['Renunciation'],
    },
    '529': {
      expansion: '529 Education Savings Plan',
      short: 'US state-sponsored tax-advantaged account for "qualified higher education expenses" at "eligible educational institutions" (FSA-listed schools).',
      long: 'Earnings grow tax-free; withdrawals tax-free for qualified expenses. ELIGIBLE INSTITUTION = school with a Federal School Code in the US Department of Education FSA database (lookup at studentaid.gov). Most major Japanese universities (Tokyo, Kyoto, Waseda, Keio, Sophia) are NOT on this list. Non-qualified withdrawal mechanics: ONLY the earnings portion is penalized — 10% federal penalty on earnings + ordinary income tax on earnings + possible state recapture. Principal contributions come back tax/penalty-free (you contributed after-tax dollars). The hit therefore scales with how long the account grew. JP-eligible options are short (Temple Japan, Lakeland Japan, a handful more). Workarounds for JP-resident families that avoid the penalty: change the beneficiary to a US-resident relative, save for room/board at an FSA-eligible school, roll up to $35K to the beneficiary\'s Roth IRA (SECURE 2.0), or accept the earnings-portion penalty. K-12 use is also restricted to US K-12 schools.',
      category: 'us-tax',
      related: ['学資保険', 'PFIC'],
    },
    'FSA': {
      expansion: 'Federal Student Aid (US Dept of Education)',
      short: 'US federal student-aid program. A school is "529-eligible" only if it has an FSA Federal School Code.',
      long: 'studentaid.gov maintains the FAFSA school code lookup. International schools must independently apply and qualify for FSA participation — a small number of foreign universities do (mostly with US-affiliated programs). For JP-resident families, the practical impact is that 529 plans are useless for most Japanese-domestic universities; verify the school code BEFORE assuming 529 will cover JP tuition.',
      category: 'us-tax',
      related: ['529'],
    },
    'CRBA': {
      expansion: 'Consular Report of Birth Abroad',
      short: 'Official US documentation of citizenship for a child born abroad to a US-citizen parent.',
      long: 'Filed at the US embassy/consulate, ideally within the child\'s first year. Requires evidence of parent\'s US citizenship + transmission requirements (physical presence in US: 5y for one US-citizen parent, including 2y after age 14). The CRBA serves as a US birth certificate for passport and SSN purposes.',
      category: 'us-tax',
      related: ['INA §301(g)'],
    },
    'INA §301(g)': {
      expansion: 'Immigration & Nationality Act §301(g) — Citizenship Transmission',
      short: 'Statute governing US citizenship transmission to children born abroad to one US-citizen parent.',
      long: 'For a child born abroad to one US-citizen + one non-US-citizen parent: the US-citizen parent must have been physically present in the US for at least 5 years before the child\'s birth, INCLUDING 2 years after age 14. Falls short → child does NOT acquire US citizenship at birth. Plan teenage years carefully if your child might later have kids abroad.',
      category: 'us-tax',
      related: ['CRBA', 'INA §322'],
    },
    'INA §322': {
      expansion: 'Immigration & Nationality Act §322 — Naturalization for Foreign-Born Children',
      short: 'Path to US citizenship for foreign-born children of US-citizen parents who don\'t qualify under §301(g).',
      long: 'A US-citizen parent of a foreign-born child can apply for naturalization while the child is under 18, IF a US-citizen GRANDPARENT meets the 5y physical presence rule. Useful when the parent didn\'t accumulate enough US presence themselves but the grandparent did. Application is N-600K + traveling to the US for the oath.',
      category: 'us-tax',
      related: ['INA §301(g)', 'CRBA'],
    },
    'TOD': {
      expansion: 'Transfer-on-Death',
      short: 'US-only beneficiary designation that transfers a brokerage/bank account directly to a named person on death — bypasses probate entirely.',
      long: 'Standard at US brokerages (Schwab, Fidelity, Vanguard) and many US banks. Asset moves to beneficiary by operation of law, no will needed for that account, no probate fees, no court delay. JP financial institutions almost universally do NOT recognize TOD/POD — for JP-situs accounts you need a will or 家族信託 instead. Free to set up, can be changed anytime, and overrides any conflicting will provision for that specific account.',
      category: 'us-tax',
      related: ['POD', 'JTWROS', 'Probate'],
    },
    'POD': {
      expansion: 'Pay-on-Death',
      short: 'Bank-account version of TOD. Beneficiary named on the account receives the balance directly on death.',
      long: 'Identical mechanics to TOD but used for bank accounts (checking, savings, CDs) rather than brokerage. Same rules: US-only, free to set up, override wills for that account, bypass probate. JP banks essentially never offer POD — joint accounts in Japan are rare and don\'t carry survivorship rights.',
      category: 'us-tax',
      related: ['TOD', 'JTWROS', 'Probate'],
    },
    'JTWROS': {
      expansion: 'Joint Tenancy With Right of Survivorship',
      short: 'US joint-ownership form where the surviving owner takes the entire asset by operation of law on the other\'s death.',
      long: 'Standard at US brokerages and possible at some US banks (depending on state). Distinct from "tenancy in common" where each owner\'s share goes through probate. JP banks generally do NOT offer JTWROS — joint accounts in Japan are rare and pass per the will/intestacy rather than auto-survivorship. For US-situs only.',
      category: 'us-tax',
      related: ['TOD', 'POD', 'Probate'],
    },
    'Probate': {
      expansion: 'Probate / Court-Supervised Estate Administration',
      short: 'Court process to validate a will (or apply intestacy) and oversee asset distribution to heirs.',
      long: 'In the US: handled by the surrogate/probate court of the decedent\'s domicile state. Length: weeks to years depending on state and complexity. Avoidable for individual assets via TOD/POD, JTWROS, beneficiary designations, or revocable living trust. In Japan: 家庭裁判所 handles intestate cases or unauthenticated wills. 公正証書遺言 (notarized JP will) bypasses 家庭裁判所 検認 entirely — banks and the 法務局 accept it directly.',
      category: 'us-tax',
      related: ['TOD', 'JTWROS', '公正証書遺言'],
    },
    '§2801': {
      expansion: 'IRC §2801 — Transfer Tax on Gifts/Bequests from Covered Expatriates',
      short: '40% tax on US-person recipients of gifts or bequests from a covered-expatriate former US citizen.',
      long: 'Created by HEART Act 2008 alongside §877A exit tax. The economic burden falls on the RECIPIENT (your US-person heirs), not on the covered expatriate. Rate equals the highest gift/estate tax rate (currently 40%). For those renouncing US citizenship who intend to leave assets to US-citizen children/spouse, this often dwarfs the §877A exit tax itself. Plan around it: distribute pre-renunciation, or distribute to non-US-person heirs.',
      category: 'us-tax',
      related: ['Renunciation', 'Exit Tax'],
    },
    'LPR': {
      expansion: 'Lawful Permanent Resident (US Green Card)',
      short: 'US permanent resident status. Same tax obligations as US citizens (worldwide income, FBAR, FATCA).',
      long: 'Long-term LPRs (held green card in 8 of last 15 years) face the same exit-tax regime as renouncing citizens when they formally surrender the card via Form I-407. Just letting it expire abroad doesn\'t legally end LPR status — the I-407 surrender or an immigration judge order is required to start the tax exit clock.',
      category: 'us-tax',
      related: ['Renunciation', 'Form 8854'],
    },
    'Bona Fide Residence': {
      expansion: 'Bona Fide Residence Test (Form 2555)',
      short: 'One of two FEIE qualifying tests. Requires you to be a resident of a foreign country for an uninterrupted full tax year.',
      long: 'More flexible than the Physical Presence test for long-term expats: trips back to the US don\'t break the test as long as you maintain a bona fide foreign tax home and intent to remain. Once established, you generally remain "bona fide resident" for as long as you live abroad.',
      category: 'us-tax',
      related: ['FEIE', 'Physical Presence', 'Form 2555'],
    },
    'Physical Presence': {
      expansion: 'Physical Presence Test (Form 2555)',
      short: 'One of two FEIE qualifying tests. Requires 330 full days physically outside the US in any rolling 12-month period.',
      long: 'Counted in 24-hour days; partial days don\'t count. Days in international airspace / waters DO count as foreign. Pure mechanical test — useful for first-year arrivals and short-term assignments where Bona Fide Residence isn\'t yet established.',
      category: 'us-tax',
      related: ['FEIE', 'Bona Fide Residence', 'Form 2555'],
    },
    'Totalization Agreement': {
      expansion: 'US-Japan Totalization Agreement',
      short: 'Bilateral agreement that lets you combine US Social Security and Japanese 厚生年金 quarters to qualify for benefits in either country.',
      long: 'Signed 2005. If you have <40 US quarters, JP credits can fill the gap. Also prevents double Social Security tax — you only pay into the system of the country where you primarily work.',
      category: 'retirement',
      related: ['Social Security', '厚生年金'],
    },
    '72(t) SEPP': {
      expansion: '72(t) Substantially Equal Periodic Payments',
      short: 'IRS provision that lets you take penalty-free distributions from an IRA before 59½ via a fixed-formula schedule.',
      long: 'Three IRS-approved formulas for calculating annual distributions. Once started, must continue for 5 years OR until 59½, whichever is later — interrupting triggers retroactive 10% penalty + interest on all prior distributions. Useful for early retirees who don\'t qualify for Rule of 55 (because Rule of 55 only applies to 401(k), not IRA).',
      category: 'retirement',
      related: ['Rule of 55', 'Traditional IRA'],
    },
    'Section 121': {
      expansion: 'IRC Section 121 — Home Sale Exclusion',
      short: 'Excludes up to $250K (single) / $500K (MFJ) of capital gain from sale of your primary US residence.',
      long: 'Must have owned and used the home as primary residence for 2 of the last 5 years. Once-every-2-years frequency cap. NOT recognized by Japan — JP taxes the gain post-住民票 with its own (often punitive) JPY-basis recomputation.',
      why: 'If you have a US home with significant unrealized gain, sell it BEFORE 住民票 registration to claim §121 at US-only tax cost.',
      category: 'us-tax',
      related: ['LTCG', '住民票'],
    },

    // ── JAPAN TERMS ──────────────────────────────────────────────────
    '住民票': {
      expansion: 'juminhyou — Japanese Resident Registration Card',
      short: 'The official Japanese resident registration. Marks the binary line where you become a Japan tax resident.',
      long: 'Filed at your local 市役所 (city office) when you take up residence in Japan. SOFA-status individuals are NOT registered as residents and instead use military ID. Once 住民票 is filed, you become a Japan tax resident, subject to Japanese national + local taxes on worldwide income, NHI premiums, and the 5/10/year residency clocks for exit tax / inheritance tax.',
      why: 'For US expats, 住民票 registration is THE event that switches the tax math. Pre-住民票: most distributions and gains are US-tax-only. Post-住民票: Japan ALSO taxes them, often at higher rates and without recognizing US tax wrappers (Roth, HSA, §121).',
      category: 'jp-tax',
      related: ['住民税', 'SOFA', '出国税', 'NHI'],
    },
    '住民税': {
      expansion: 'juminze — Japanese Resident Tax',
      short: 'Japan local tax (~10% combined prefectural + municipal), assessed on prior-year income, paid in current year.',
      long: 'Calculated from your prior-year taxable income reported on 確定申告 or by your employer. Usually paid via salary deduction or in 4 installments. Lags income by a year — a big income year drives the next year\'s 住民税 up.',
      category: 'jp-tax',
      related: ['住民票', 'NHI', '確定申告'],
    },
    '出国税': {
      expansion: 'shukokuze — Japan Exit Tax',
      short: 'Tax on unrealized gains in financial securities when leaving Japan, if you held ¥100M+ and were resident 5+ of last 10 years.',
      long: 'Treats your departure as if you sold all financial securities at exit at FMV. Tax rate is the standard 20.315% securities rate. Includes US-domiciled holdings. Defer-and-bond-posting available — gain not taxed if you return within 5 years and reverse the deemed sale. Plan portfolio composition to stay under threshold OR exit before the 5-year clock.',
      category: 'jp-tax',
      related: ['住民票', 'LTCG'],
    },
    '給与所得': {
      expansion: 'kyuyo shotoku — Japan Employment Income',
      short: 'Wage / salary income for Japanese tax purposes, calculated after employee-equivalent deductions.',
      long: 'JP payroll system reduces gross salary by 給与所得控除 (a standardized employment-expense deduction) before calculating taxable income. RSU vests count as 給与所得 to the extent of Japan workdays during the vesting period.',
      category: 'jp-tax',
      related: ['RSU', '住民税'],
    },
    'ふるさと納税': {
      expansion: 'Furusato Nozei — Hometown Tax Donation',
      short: 'Japanese tax-deductible donation system. Donate to a JP municipality, get rice/wagyu/sake gifts, deduct from JP resident tax.',
      long: 'Donations to participating municipalities reduce your 住民税 + 所得税 dollar-for-dollar above a ¥2,000 floor. You receive a "thank-you gift" worth ~30% of the donation. Annual limit depends on your prior-year income (calculator at furusato-tax.jp). Available to US persons — it\'s a charitable contribution, not an investment, so no PFIC issue.',
      why: 'One of the few traditional Japanese tax-saving strategies that works cleanly for US-person residents.',
      category: 'jp-tax',
      related: ['住民税'],
    },
    '投資信託': {
      expansion: 'toshi shintaku — Japanese Mutual Fund',
      short: 'Japanese-domiciled pooled investment vehicle. Treated as PFIC under US tax law.',
      long: 'Common building block of NISA and iDeCo holdings. Even index-fund versions of these JP-domiciled products are PFICs from the US perspective. The cure: use US-domiciled equivalents (VT, VTI, VXUS) held in US brokerages.',
      category: 'jp-tax',
      related: ['PFIC', 'NISA', 'iDeCo'],
    },
    '定額貯金': {
      expansion: 'teigaku chokin — Japan Post fixed-amount savings',
      short: 'A Japan Post Bank time deposit. 6-month lockup, then can be redeemed any time within 10-year max term.',
      long: 'Common in older Japanese accounts. Earns a fixed rate posted at deposit. The "secondary date" on the deposit row is the lockup-expiry (deposit date + 6 months) — NOT the maturity date. The true maturity is on a separate payment row.',
      category: 'jp-banking',
      related: [],
    },

    // ── INVESTING / GENERAL ──────────────────────────────────────────
    'SOFA': {
      expansion: 'Status of Forces Agreement',
      short: 'US-Japan agreement giving US military, DoD civilians, and certain DoD contractors special legal status while stationed in Japan.',
      long: 'SOFA-status individuals are NOT Japanese tax residents and don\'t register 住民票. They use military ID, file US taxes only, and are exempt from JP NHI / 厚生年金. Status is tied to military orders or DoD employment. Family members generally derive status from the principal.',
      why: 'SOFA status is the foundation of the SOFA Roth Sequencing strategy: while SOFA, you\'re US-tax-only; transitioning out of SOFA and into 住民票 registration triggers Japanese tax on distributions / conversions.',
      category: 'sofa',
      related: ['住民票', 'DoD', 'TSP'],
    },
    'DoD': {
      expansion: 'United States Department of Defense',
      short: 'US executive department for military operations. Employer of military, civilian, and contractor personnel under SOFA in Japan.',
      category: 'sofa',
      related: ['SOFA', 'TSP'],
    },
    'NHI': {
      expansion: '国民健康保険 — National Health Insurance',
      short: 'Japan\'s public health insurance for non-employee residents. Premiums calculated on prior-year income.',
      long: 'JP-resident workers in companies enroll in 健康保険; everyone else (self-employed, retirees, freelancers) enrolls in NHI via their municipality. NHI premium calculated annually each June from prior-year income — capped around ¥1M/year per person but the cap is reached at modest income levels. Non-residents (SOFA included) are exempt.',
      why: 'A big income year (Roth conversion, RSU vest) drives the following year\'s NHI premium up. Time large income events to minimize NHI cliff effects.',
      category: 'jp-tax',
      related: ['住民票', '住民税', 'Medicare'],
    },
    '厚生年金': {
      expansion: 'kosei nenkin — Japanese Employees\' Pension',
      short: 'Japan\'s workplace pension. Combined with 国民年金 forms the public pension system.',
      long: 'Mandatory for company employees. Combined employee+employer rate ~18.3% of standard monthly compensation. Benefits paid from age 65 (gradually rising). US-Japan Totalization Agreement lets you combine 厚生年金 quarters with US Social Security quarters.',
      category: 'jp-tax',
      related: ['Totalization Agreement', 'Social Security', 'iDeCo'],
    },
    '永住権': {
      expansion: 'eijuken — Japanese Permanent Residency',
      short: 'Permanent resident status in Japan. Removes visa-renewal requirements but does not affect tax treatment.',
      long: 'Granted typically after 10 years residency (less for spouses and high-skilled professionals). Doesn\'t change tax residency status — that\'s based on physical presence, not visa type.',
      category: 'jp-tax',
      related: ['住民票'],
    },
    'TIPS': {
      expansion: 'Treasury Inflation-Protected Securities',
      short: 'US Treasury bonds whose principal adjusts with CPI inflation. Marketable Treasury security.',
      category: 'investing',
      related: ['Treasury', 'Series I'],
    },
    'Backdoor Roth': {
      expansion: 'Backdoor Roth IRA Strategy',
      short: 'A way for high earners (above Roth income limits) to fund a Roth IRA via a Traditional IRA contribution + immediate conversion.',
      long: 'Step 1: Contribute to a non-deductible Traditional IRA (no income limit). Step 2: Convert to Roth (no income limit on conversions). Tax cost: zero IF you have NO other pre-tax IRA balances (the pro-rata rule taxes part of the conversion if you do).',
      category: 'us-tax',
      related: ['Roth IRA', 'Roth Conversion', 'Mega Backdoor Roth'],
    },
    'Mega Backdoor Roth': {
      expansion: 'Mega Backdoor Roth Strategy',
      short: 'Plan-sponsored after-tax 401(k) contributions, immediately converted to Roth — fills the $69K total 401(k) limit with Roth money.',
      long: 'Requires (a) employer plan permits after-tax contributions, (b) plan permits in-service Roth conversions (in-plan or to a Roth IRA). Lets high earners convert up to ($69K - employee deferral - employer match) into Roth annually.',
      category: 'us-tax',
      related: ['Roth IRA', 'Backdoor Roth', '401(k)'],
    },
    'Series I': {
      expansion: 'Series I US Savings Bond',
      short: 'US Treasury savings bond with a fixed rate + inflation-adjustment kicker. Federal-tax-deferred until redemption.',
      long: 'Sold via TreasuryDirect.gov. $10K/year per person purchase limit (+$5K via tax refund). 30-year maximum holding. Interest exempt from state/local tax. Federal tax can be deferred until redemption OR reported annually.',
      category: 'investing',
      related: ['TIPS'],
    },

    // ── Phase 4 additions ───────────────────────────────────────────
    'MAGI': {
      expansion: 'Modified Adjusted Gross Income',
      short: 'Your AGI plus certain add-backs (foreign earned income exclusion, tax-exempt interest, etc.). Drives multiple income-based phaseouts.',
      long: 'Used to determine eligibility/limits for: Roth IRA contributions, NIIT, IRMAA, traditional IRA deductibility, premium tax credits, student loan interest deduction. Each program has slightly different add-backs, but for projection purposes we approximate it as: taxable income + Roth conversions + 85% of Social Security benefits.',
      why: 'A "big income year" (Roth conversion, RSU vest, large distribution) drives up MAGI and can trigger NIIT, IRMAA, or kick you out of Roth eligibility. Time large income events to manage MAGI.',
      category: 'us-tax',
      related: ['NIIT', 'IRMAA', 'Roth IRA', 'Roth Conversion'],
    },
    'AGI': {
      expansion: 'Adjusted Gross Income',
      short: 'Your gross income minus "above-the-line" deductions (HSA contributions, traditional IRA contributions, etc.). The starting point for many tax calculations.',
      long: 'Reported on line 11 of Form 1040. Lower than gross income, higher than taxable income (which subtracts the standard or itemized deduction from AGI).',
      category: 'us-tax',
      related: ['MAGI'],
    },
    'COLA': {
      expansion: 'Cost-of-Living Adjustment',
      short: 'Annual inflation adjustment to Social Security benefits, IRS contribution limits, tax brackets, and most government benefits.',
      long: 'SSA computes COLA each October from the 3rd-quarter CPI-W. Recent COLAs: 8.7% (2023), 3.2% (2024), 2.5% (2025). The Projections engine applies a configurable ss_cola_pct (default 2.5%) to your SS benefit each year of distribution.',
      category: 'retirement',
      related: ['Social Security', 'CPI'],
    },
    'CPI': {
      expansion: 'Consumer Price Index',
      short: 'BLS\'s primary measure of US inflation, published monthly. Drives COLA, tax bracket adjustments, and many indexed thresholds.',
      long: 'Two main variants: CPI-U (urban consumers, the headline number) and CPI-W (urban wage earners, used for SS COLA). Long-term US inflation runs 2-3% on average; recent volatility (2021-2023) saw 4-9% prints.',
      category: 'investing',
      related: ['COLA', 'TIPS', 'Series I'],
    },
    'MFJ': {
      expansion: 'Married Filing Jointly',
      short: 'US tax filing status for married couples filing one combined return. Higher brackets and credits than single filers.',
      long: 'MFJ thresholds are roughly 2× single in lower brackets but compress in higher brackets ("marriage penalty"). NIIT threshold $250K (vs $200K single); Roth IRA phaseout $230K-$240K (vs $146K-$161K single); standard deduction $29.2K (vs $14.6K single, 2024).',
      category: 'us-tax',
      related: ['MFS', 'NIIT', 'Roth IRA'],
    },
    'MFS': {
      expansion: 'Married Filing Separately',
      short: 'US tax filing status for married couples filing two separate returns. Usually less favorable than MFJ but sometimes optimal for non-resident-spouse situations.',
      long: 'Common reason to choose MFS: spouse is a non-US person and you don\'t want to subject their income to US tax. Loses many credits (most education credits, EITC, etc.) and uses tighter Roth IRA phaseouts ($0-$10K).',
      category: 'us-tax',
      related: ['MFJ'],
    },
    'HoH': {
      expansion: 'Head of Household',
      short: 'US tax filing status for unmarried filers who maintain a household for a qualifying dependent. Better brackets than Single.',
      category: 'us-tax',
      related: ['MFJ'],
    },
    'FICA': {
      expansion: 'Federal Insurance Contributions Act',
      short: 'US payroll tax: 6.2% Social Security + 1.45% Medicare. Employer matches.',
      long: 'Social Security portion capped at $168,600 (2024) wage base. Medicare uncapped + additional 0.9% for high earners ($200K+ single, $250K+ MFJ).',
      category: 'us-tax',
      related: ['Social Security', 'Medicare'],
    },
    'TSA': {
      expansion: 'Tax-Sheltered Annuity',
      short: 'Older name for the 403(b) plan.',
      category: 'retirement',
      related: ['403(b)'],
    },
    'QEF': {
      expansion: 'Qualified Electing Fund',
      short: 'PFIC tax election to treat foreign fund income as if it were a US partnership — flows through annually.',
      long: 'Most favorable PFIC election but requires the fund to provide an annual PFIC Statement, which Japanese funds essentially never do. Hence default mode (excess distributions) is the practical reality for most US persons holding JP funds.',
      category: 'us-tax',
      related: ['PFIC', 'Form 8621'],
    },
    'MTM': {
      expansion: 'Mark-to-Market Election',
      short: 'PFIC tax election to treat the fund as if sold at year-end FMV every year. Available only for "marketable" PFICs.',
      long: 'Annual gains taxed as ordinary income (not LTCG); annual losses limited. Less punitive than default but still loses the LTCG preference and basis step-up.',
      category: 'us-tax',
      related: ['PFIC', 'QEF', 'Form 8621'],
    },
    // ── Japan inheritance tax — sub-set added with Phase 4 audit ──
    '相続税': {
      expansion: 'sozokuze — Japanese Inheritance Tax',
      short: 'Japan\'s inheritance tax. Among the world\'s most aggressive: 10-55% progressive rates with low thresholds.',
      long: 'Tax-free threshold = ¥30M base + ¥6M per statutory heir. For a typical family of 4 (spouse + 2 kids): ¥30M + 3×¥6M = ¥48M (~$315K) before any tax. Rates are progressive: 10% under ¥10M taxable → 55% over ¥600M. Foreign nationals: applies only to JP-situs assets for the first 10 years of residency, then expands to worldwide assets.',
      why: 'For long-term JP-resident US persons with US 401(k)/IRA/brokerage holdings, this is THE single largest tax exposure in retirement planning. Multiple legal mitigation strategies exist — see the Inheritance tax mitigation section in the Tax Strategy tab.',
      category: 'jp-tax',
      related: ['生前贈与', '配偶者控除', '養子縁組', '小規模宅地等の特例', '路線価', '住民票'],
      refs: [
        { label: 'NTA inheritance tax overview', url: 'https://www.nta.go.jp/english/taxes/individual/12010.htm' },
      ],
    },
    '生前贈与': {
      expansion: 'seizen zoyo — Lifetime Gifting',
      short: 'Transferring assets during your lifetime to reduce the eventual inheritance tax base.',
      long: 'The two main paths in Japan: (1) 暦年贈与 — annual ¥1.1M tax-free per donor-recipient pair, indefinite duration. (2) 相続時精算課税 — elect the "settlement at inheritance" system: ¥25M lifetime gift tax-free, but those gifts are added back to the estate at death. The annual exemption typically wins for long-horizon planning; settlement system wins for one-time large gifts to a specific heir.',
      why: 'The most powerful "I have time" mitigation: a couple gifting ¥1.1M to each of 2 children annually for 20 years removes ¥44M from the estate, potentially saving ¥10M+ in inheritance tax. Subject to a 7-year lookback rule (gifts within 7 years of death are pulled back) — start early.',
      category: 'jp-tax',
      related: ['相続税', '暦年贈与', '相続時精算課税'],
    },
    '暦年贈与': {
      expansion: 'rekinen zoyo — Annual Gift Tax Exemption',
      short: 'Each donor-recipient pair gets ¥1.1M/year of tax-free gift transfer in Japan.',
      long: 'No reporting required if under ¥1.1M. Above ¥1.1M, gift tax of 10-55% applies (similar to inheritance tax bands). Couple gifting to a child = ¥2.2M/year tax-free. To grandchildren = additional ¥1.1M each. Critical caveat: gifts within 7 years of donor\'s death are pulled back into the estate (extended from 3 years by 2024 reform). Start gifting at least 8 years before expected death.',
      category: 'jp-tax',
      related: ['生前贈与', '相続時精算課税'],
    },
    '相続時精算課税': {
      expansion: 'sozokuji seisan kazei seido — Settlement at Time of Inheritance Taxation System',
      short: 'Optional system for gifts ≥60-year-olds to ≥18-year-olds: ¥25M lifetime gift tax-free, added back to estate at death.',
      long: 'Once elected for a specific donor-recipient pair, you cannot revert to the annual ¥1.1M exemption with that pair. Valuation at gift time, not death — useful when the asset is expected to appreciate (lock in lower valuation now). After 2024 reform, ¥1.1M/year additional exemption available alongside the ¥25M lifetime cap (the new annual exemption is NOT added back to the estate). Best for gifting growth assets early.',
      category: 'jp-tax',
      related: ['生前贈与', '暦年贈与', '相続税'],
    },
    '配偶者控除': {
      expansion: 'haigūsha kōjo — Spouse Inheritance Deduction',
      short: 'Surviving spouse pays NO inheritance tax on inherited assets up to ¥160M OR 50% of total estate, whichever is greater.',
      long: 'The single most generous inheritance tax provision in Japan. Available only to the legal spouse (not common-law partners). Strategy nuance: leaving everything to the spouse defers but does not eliminate inheritance tax — the spouse\'s eventual death triggers a "second inheritance" (二次相続) on those same assets, often at higher effective rates because the heirs are now adult children with no spouse-deduction protection. Optimal split is often 60/40 or 50/50 spouse-vs-children rather than 100% spouse.',
      category: 'jp-tax',
      related: ['相続税', '生前贈与'],
    },
    '小規模宅地等の特例': {
      expansion: 'shōkibo takuchi tō no tokurei — Small Residential Property Special Exception',
      short: 'Reduces taxable valuation of inherited residential land by 80% (up to 330m²) when the heir continues to live there.',
      long: 'Conditions: heir must be the spouse OR a co-resident child OR a non-homeowner child ("家なき子" — "homeless child" rule). The property must be the deceased\'s primary residence. Holding period requirement (must keep until tax filing deadline). Also applies (50% reduction, up to 200m²) to land used for the family business. Combined with other exemptions, can dramatically reduce inheritance tax on a Tokyo home.',
      why: 'A ¥200M Tokyo home becomes valued at ¥40M for inheritance tax purposes — potentially saving ¥50M+ in inheritance tax. Often the deciding factor in whether children should keep or sell the family home.',
      category: 'jp-tax',
      related: ['相続税', '路線価'],
    },
    '養子縁組': {
      expansion: 'yōshi engumi — Adoption (for inheritance tax purposes)',
      short: 'Legally adopting a person adds them to your statutory heirs, increasing the base deduction (¥6M per heir) and life-insurance exemption (¥5M per heir).',
      long: 'Limit: only 1 adopted child counts toward statutory heirs if you have biological children; 2 if you don\'t. Common practice: adopting a grandchild (孫養子) — note this triggers a 20% surcharge on that grandchild\'s inheritance tax, but the family-level base deduction increase often more than offsets. Also bypasses one generation of inheritance taxation. Adoption IS a real legal status in Japan with legal/social consequences beyond tax — consult a 税理士 + lawyer.',
      category: 'jp-tax',
      related: ['相続税'],
    },
    '路線価': {
      expansion: 'rosenka — Roadside Land Price (NTA-published valuation)',
      short: 'NTA-published per-square-meter land valuation along each road, used to value real estate for inheritance and gift tax. Typically 70-80% of market value.',
      long: 'Published annually each July; effective for January-December of the same year. NTA aims for rosenka to be ~80% of "publicly assessed land price" (公示地価), which itself trails actual transaction prices. Combined with the 30% rental-property reduction (賃貸割合) on income-producing real estate, JP real estate is valued at 40-60% of market price for inheritance tax — a key reason wealthy Japanese families hold real estate in retirement.',
      category: 'jp-tax',
      related: ['相続税', '小規模宅地等の特例'],
    },
    '二次相続': {
      expansion: 'niji sozoku — Secondary Inheritance',
      short: 'The inheritance triggered when the surviving spouse dies, transferring the same assets that previously avoided tax via the spouse deduction.',
      long: 'Often produces higher effective tax than the first inheritance because: (1) no spouse to claim the spouse deduction, (2) one fewer statutory heir reducing the base deduction, (3) any appreciation since first inheritance is taxed. Optimal strategy in many cases is to NOT use the full spouse deduction in the first inheritance — split assets so children get some via first inheritance to flatten the two-stage burden.',
      category: 'jp-tax',
      related: ['配偶者控除', '相続税'],
    },
    '確定申告': {
      expansion: 'kakutei shinkoku — Japan annual tax return',
      short: 'Annual Japan income tax filing for the prior calendar year. Window: February 16 — March 15.',
      long: 'Required for: self-employed, those with multiple employers, those with foreign-source income (US persons usually), those wanting to claim deductions not handled by year-end adjustment (医療費控除, ふるさと納税, 住宅ローン控除, 雑損控除, etc.). File via e-Tax (online) or paper to your local 税務署. Late filing penalty: 5-15% delinquent tax + interest. US persons in Japan must reconcile JP income with US 1040 — claim Foreign Tax Credit on US side for JP tax paid.',
      why: 'For US-person JP residents: filing 確定申告 is the JP-side leg of dual-country tax compliance. Coordinate with your US CPA so the FTC math (Form 1116) lines up with what you reported in JP.',
      category: 'jp-tax',
      related: ['住民税', '住民票', 'FTC', 'ふるさと納税', '住宅ローン控除'],
      refs: [
        { label: 'NTA 確定申告 overview', url: 'https://www.nta.go.jp/taxes/shiraberu/shinkoku/' },
      ],
    },
    '住宅ローン控除': {
      expansion: 'jūtaku rōn kōjo — Mortgage tax credit',
      short: 'Annual JP income tax credit of 0.7% of year-end home loan balance, for first 13 years of a primary-residence mortgage. Cap depends on property type.',
      long: '2024 caps (loan amount eligible for the 0.7% credit): standard new construction ¥30M, 長期優良住宅 (long-term excellent housing) ¥45M, 省エネ住宅 (energy-efficient) ¥40M. Used home: lower caps + 10-year window. Claimed via 確定申告 in year 1, then via 年末調整 (year-end adjustment) by employer in years 2-13. Available to US persons (no PFIC issue — it\'s a tax credit, not an investment).',
      category: 'jp-tax',
      related: ['確定申告'],
    },
    '非永住者': {
      expansion: 'hi-eijūsha — Non-Permanent Resident (tax status)',
      short: 'Japan tax status for the FIRST 5 of any 10-year window of residency. Foreign-source income NOT remitted to Japan is exempt from JP tax during this period.',
      long: 'Different from immigration "Permanent Resident" — this is a TAX classification. For US persons: years 1-5 of JP residency, you can keep US dividends/capital gains/interest in US accounts (not remitted to JP) and they\'re JP-tax-exempt. Year 6 onward you become 永住者 (tax-permanent), and worldwide income is fully JP-taxable. Plan large US-source income events (Roth conversions, LTCG realization) BEFORE year 6 to maximize this window.',
      why: 'Major planning lever for US persons in years 1-5 of JP residency. Combined with the SOFA pre-住民票 window (if applicable), you may have a multi-year runway for US-tax-only Roth conversions and LTCG harvesting.',
      category: 'jp-tax',
      related: ['永住者', '住民票', 'Roth Conversion'],
    },
    '永住者': {
      expansion: 'eijūsha — Permanent Resident (tax status)',
      short: 'Japan tax status from year 6 of residency. ALL worldwide income becomes JP-taxable. (Note: this is the TAX status, not the immigration permanent residency 永住権.)',
      long: 'Different from 永住権 (immigration PR visa). The 5-year non-permanent resident rule expires automatically — no application needed. Once 永住者 for tax purposes, all worldwide income (US dividends, JP salary, foreign rental, etc.) is JP-taxable. Foreign Tax Credit available on JP side for foreign-source taxes paid (mirrors US FTC).',
      category: 'jp-tax',
      related: ['非永住者', '永住権'],
    },
    '源泉徴収票': {
      expansion: 'gensen chōshūhyō — Withholding tax statement',
      short: 'Japan equivalent of US W-2. Issued by employer in January for the prior calendar year. Required for 確定申告 if filing.',
      long: 'Shows: gross income, tax withheld at source, year-end adjustment (年末調整) result, applied deductions, dependents claimed. Multiple jobs = multiple 源泉徴収票. For US-person filers, this is what you reconcile against your US W-2 / 1099 to compute foreign-source income for FTC purposes.',
      category: 'jp-tax',
      related: ['確定申告', '住民税'],
    },
    '医療費控除': {
      expansion: 'iryōhi kōjo — Medical expense deduction',
      short: 'JP income tax deduction for unreimbursed medical expenses exceeding ¥100,000 (or 5% of income, whichever is lower) per household per year.',
      long: 'Family-aggregated. Includes prescription drugs, transportation to medical facilities, dental, some over-the-counter (セルフメディケーション税制 alternative). Claimed via 確定申告 with receipts. Save ALL medical receipts throughout the year if you might exceed the threshold.',
      category: 'jp-tax',
      related: ['確定申告', 'NHI'],
    },

    '税理士': {
      expansion: 'zeirishi — Licensed Japanese Tax Accountant',
      short: 'Japan\'s licensed tax professional. Required for any complex inheritance tax planning or filing.',
      long: 'Different from a US CPA — zeirishi are tax-only specialists licensed by the National Tax Agency. Typical inheritance tax engagement runs ¥500K-¥2M+ depending on estate size and complexity. Only zeirishi can sign and file inheritance tax returns. Many also handle real estate registration (登記), trust setup, and family succession planning.',
      category: 'jp-tax',
      related: ['相続税', '住民票'],
    },

    // ── Veteran / military terms ───────────────────────────────────
    'VA': {
      expansion: 'US Department of Veterans Affairs',
      short: 'Federal department administering benefits for US veterans — disability compensation, healthcare, education, home loans, life insurance, survivor benefits.',
      long: 'For Asia-Pacific veterans, the VA Manila Regional Office handles benefit claims. The Foreign Medical Program (FMP) covers service-connected care abroad. Direct VA healthcare facilities in Japan are limited; most care is fee-basis through Japanese providers.',
      category: 'sofa',
      related: ['DD-214', 'FMP', 'TRICARE', 'GI Bill'],
      refs: [
        { label: 'VA.gov main', url: 'https://www.va.gov/' },
        { label: 'VA Manila RO', url: 'https://www.va.gov/manila-regional-benefit-office/' },
      ],
    },
    'DD-214': {
      expansion: 'Certificate of Release or Discharge from Active Duty (DD Form 214)',
      short: 'The single most important US military document — proof of service, character of discharge, dates, and earned awards. Required for almost every VA benefit claim.',
      long: 'Issued at separation. Two versions: short-form (member copy) for general use, long-form (member copy 4) showing character of discharge and reason for separation — the long form is what the VA requires. If lost, request a replacement via the National Archives (eVetRecs system, free, 4-12 week turnaround).',
      why: 'For Japan-resident vets: keep a scanned copy in your Document Vault AND a paper copy in a known location. If you die without it accessible, your survivors lose access to DIC, VA life insurance proceeds, and burial benefits.',
      category: 'sofa',
      related: ['VA', 'DIC'],
      refs: [
        { label: 'eVetRecs replacement DD-214', url: 'https://www.archives.gov/veterans/military-service-records' },
      ],
    },
    'TRICARE': {
      expansion: 'TRICARE military health insurance',
      short: 'US Department of Defense health program for active duty, retirees, and their dependents. TRICARE Overseas Program (TOP) covers OCONUS (outside continental US).',
      long: 'Active duty in Japan: TRICARE Prime Remote / Overseas Prime. Retirees in Japan: TRICARE Select Overseas (file claims for reimbursement) or TRICARE for Life if Medicare-eligible. SOFA-status non-retirees lose TRICARE 180 days after end of orders unless retired.',
      why: 'For Japan-resident retirees: TRICARE Select Overseas operates as a reimbursement program — pay Japanese providers cash, file claims, get reimbursed. Keep all receipts in Document Vault.',
      category: 'sofa',
      related: ['VA', 'FMP', 'Medicare'],
      refs: [
        { label: 'TRICARE Overseas Program', url: 'https://tricare.mil/Plans/HealthPlans/TOP' },
      ],
    },
    'FMP': {
      expansion: 'VA Foreign Medical Program',
      short: 'VA program that pays foreign providers (or reimburses you) for treatment of VA-rated service-connected conditions outside the US.',
      long: 'Only covers conditions the VA has rated as service-connected. Doesn\'t cover non-SC conditions, dependents, or routine care. You can use any qualified Japanese provider — no network restriction. Submit claims via VA Manila or by mail. Reimbursement, not direct billing.',
      why: 'For Japan-resident vets with even a single SC condition: enroll in FMP. Most providers won\'t bill the VA directly, so you pay cash and submit reimbursement claims yourself.',
      category: 'sofa',
      related: ['VA', 'TRICARE'],
      refs: [
        { label: 'FMP overview', url: 'https://www.va.gov/COMMUNITYCARE/programs/veterans/FMP/index.asp' },
      ],
    },
    'GI Bill': {
      expansion: 'GI Bill (Post-9/11 Ch. 33 / Montgomery Ch. 30)',
      short: 'US education benefit for veterans. Post-9/11 GI Bill is the modern version — pays tuition, housing allowance, and a books stipend for 36 months at an approved school.',
      long: 'Post-9/11 (most common today): full in-state public tuition + monthly housing allowance + $1K/yr books stipend, transferable to spouse/children if you transfer while still on active duty (you must serve 4 more years after the transfer request). Pre-2013 dischargees have a 15-year delimitation date; post-2013 dischargees benefit from the Forever GI Bill (no expiration). Yellow Ribbon program covers tuition over the in-state cap at participating private schools.',
      why: 'For Japan-resident vets: most US schools have foreign-study programs. Some Japanese universities accept GI Bill (must be VA-approved). Online US degrees work fully.',
      category: 'sofa',
      related: ['VA', 'DD-214'],
      refs: [
        { label: 'GI Bill comparison', url: 'https://www.va.gov/education/about-gi-bill-benefits/post-9-11/' },
      ],
    },
    'SGLI': {
      expansion: 'Servicemembers\' Group Life Insurance',
      short: 'Low-cost group term life insurance for active duty and drilling reserve. Default coverage is the maximum $400,000.',
      long: 'Premium ~$25/mo for $400K coverage. Covers active duty, ready reserve, members of the Commissioned Corps. Also pays $100K for spouse coverage. Auto-enrolled at maximum on accession. You can opt out or reduce coverage in $50K increments. Coverage ends 120 days after separation.',
      category: 'sofa',
      related: ['VGLI', 'DIC'],
    },
    'VGLI': {
      expansion: 'Veterans\' Group Life Insurance',
      short: 'Post-separation continuation of SGLI. Convert SGLI → VGLI within 240 days of separation with no medical underwriting.',
      long: 'Critical timing: within 240 days of separation, you can convert SGLI to VGLI WITHOUT any medical questions, up to your SGLI amount (max $400K). Day 240-485 you can still convert but must answer medical questions and may be denied. After day 485 the option is permanently lost. Premiums are age-based and increase every 5 years — affordable through ~age 60, expensive after. Most vets eventually convert to civilian term life.',
      why: 'For ANY separating servicemember: even if you don\'t need the coverage now, the no-medical 240-day window is irreplaceable insurance optionality. Converting and dropping later is reversible; missing the window is not.',
      category: 'sofa',
      related: ['SGLI', 'VA'],
    },
    'DIC': {
      expansion: 'Dependency and Indemnity Compensation',
      short: 'Tax-free monthly payment to surviving spouse / children of a service member who died in service OR a veteran who died of a service-connected condition.',
      long: 'Base 2024 rate: $1,612.75/mo for surviving spouse, +$300/mo per dependent child. Available regardless of how long ago the qualifying death occurred. NOT taxable as US federal income.',
      category: 'sofa',
      related: ['SGLI', 'VGLI', 'VA'],
    },
    'IU': {
      expansion: 'Individual Unemployability (TDIU)',
      short: 'A VA benefit that pays disability compensation at the 100% rate even if your combined rating is below 100%, when service-connected conditions prevent you from working.',
      long: 'Eligibility: at least one SC condition rated 60%+, OR two+ SC conditions with combined rating 70%+ and at least one rated 40%+. Plus inability to maintain substantially gainful employment due to SC conditions. "Marginal employment" (under federal poverty line) doesn\'t disqualify. Significant income increase: 100% rate vs e.g. 70% rate is roughly +$1,200/mo tax-free in 2024.',
      category: 'sofa',
      related: ['VA'],
    },
    'TDIU': {
      expansion: 'Total Disability based on Individual Unemployability',
      short: 'Same as IU — full name of the benefit.',
      category: 'sofa',
      related: ['IU', 'VA'],
    },
    'COE': {
      expansion: 'Certificate of Eligibility (VA Home Loan)',
      short: 'Document confirming you qualify for a VA home loan. Required to use VA loan benefit for a home purchase or refinance.',
      long: 'Request via VA.gov\'s online portal or through your lender. Typical turnaround: instant for active duty/recent separations, 1-2 weeks otherwise. The benefit can be used for US property only — not for purchasing Japanese real estate.',
      category: 'sofa',
      related: ['VA', 'DD-214'],
    },
    'SBP': {
      expansion: 'Survivor Benefit Plan',
      short: 'Election made AT military retirement to continue 55% of your pension to your spouse after you die. Premium ~6.5% of pension.',
      long: 'A one-shot decision at retirement: opt in (default) and your spouse gets 55% of your pension for life. Opt out and they get $0 — but you must have spouse-signed concurrence to decline. Premium continues for 30 years OR until death. Once paid in full at 30 years (paid-up), the SBP coverage continues for free. Children-only coverage and former-spouse coverage are also options.',
      why: 'For Japan-resident retirees: SBP payments to a JP-resident surviving spouse are deposited to the JP bank like the original pension. Subject to JP income tax under residence-state rule + US under saving clause; FTC offsets.',
      category: 'sofa',
      related: ['VGLI', 'DIC', 'CRDP', 'CRSC'],
      refs: [
        { label: 'DFAS SBP overview', url: 'https://www.dfas.mil/RetiredMilitary/provide/sbp/' },
      ],
    },
    'CRDP': {
      expansion: 'Concurrent Retirement and Disability Pay',
      short: 'Lets military retirees with 50%+ VA disability rating receive BOTH full retirement pay AND VA disability comp — no offset.',
      long: 'Pre-2004 rule: military retirement pay was reduced dollar-for-dollar by VA disability comp. CRDP eliminates the offset for retirees rated 50%+. Auto-enrolled — no application required. Phased in 2004-2014; now fully implemented. Significantly increases retiree income for those with both 20+ years AND a meaningful disability rating.',
      category: 'sofa',
      related: ['CRSC', 'VA', 'IU'],
    },
    'CRSC': {
      expansion: 'Combat-Related Special Compensation',
      short: 'Tax-free monthly payment to retirees with combat-related disabilities — alternative to CRDP, useful for those rated <50%.',
      long: 'Available for combat-related disabilities (combat zone, hazardous service, instrumentality of war, simulating war). Unlike CRDP, you can elect CRSC at any rating level. Tax-free. You can\'t collect CRDP and CRSC simultaneously — must elect one annually. Use VA\'s comparison calculator to choose.',
      category: 'sofa',
      related: ['CRDP', 'VA'],
    },
    'USERRA': {
      expansion: 'Uniformed Services Employment and Reemployment Rights Act',
      short: 'Federal law guaranteeing civilian re-employment rights, seniority, and benefits when reservists or National Guard return from active service.',
      long: 'Civilian employer must re-employ you in the same or comparable position after activation up to 5 years cumulative. Health insurance continuation (COBRA-like) for up to 24 months. Pension contributions credited as if you\'d been at work. Discrimination protection. Enforced by US Department of Labor.',
      category: 'sofa',
      related: ['SCRA'],
      refs: [
        { label: 'USERRA overview', url: 'https://www.dol.gov/agencies/vets/programs/userra' },
      ],
    },
    'VR&E': {
      expansion: 'Vocational Rehabilitation & Employment (Chapter 31)',
      short: 'VA program that pays full tuition + housing + employment services for vets with service-connected disabilities. Often more generous than the GI Bill.',
      long: 'Eligibility: 20%+ VA disability rating + employment handicap related to SC condition. Benefits: full tuition (NO cap, unlike Post-9/11), monthly housing allowance (BAH-equivalent), all books + supplies, vocational counseling, job placement. Up to 48 months of training. 12+ year window from separation. Must apply via VA.gov.',
      why: 'Higher-rated separated vets often miss this — VR&E pays significantly more than the Post-9/11 GI Bill at expensive private schools (no tuition cap = full ride at any approved program).',
      category: 'sofa',
      related: ['VA', 'GI Bill'],
      refs: [
        { label: 'VR&E program', url: 'https://www.va.gov/careers-employment/vocational-rehabilitation/' },
      ],
    },
    'BRS': {
      expansion: 'Blended Retirement System',
      short: 'Modern military retirement (post-2018 entrants OR opted-in 2018 transitioners). Combines a smaller pension (40% at 20yr) with TSP matching (5%) + continuation pay.',
      long: 'Pre-2018 entrants stayed under "High-3" / Final Pay (50%+ pension at 20yr, no TSP match). 2018 entrants forward are auto-enrolled in BRS. Mid-career service members (entered 2006-2017) had a one-time choice in 2018. BRS is portable (TSP) but pays less in pension form. Continuation pay = bonus at 12-year mark to keep folks in service.',
      category: 'sofa',
      related: ['TSP', 'CRDP'],
    },
    'BAH': {
      expansion: 'Basic Allowance for Housing',
      short: 'Tax-free monthly housing stipend for active duty service members. Rate set by duty location ZIP code + dependency status + rank.',
      long: 'In Japan, BAH is replaced by OHA (Overseas Housing Allowance) which reimburses ACTUAL rent up to a per-location cap rather than paying a flat amount. OHA includes utility allowance + move-in housing allowance for first-month deposits and key money.',
      category: 'sofa',
      related: ['BAS', 'OHA'],
    },
    'BAS': {
      expansion: 'Basic Allowance for Subsistence',
      short: 'Tax-free monthly food stipend. Paid to all enlisted unless on subsistence-in-kind (mess hall coverage).',
      long: '2024 rates: ~$460/mo enlisted, ~$320/mo officer. Continues regardless of duty location. Always tax-free.',
      category: 'sofa',
      related: ['BAH'],
    },
    'OHA': {
      expansion: 'Overseas Housing Allowance',
      short: 'BAH equivalent for service members stationed outside CONUS. Reimburses actual rent (up to a cap) rather than paying a flat amount.',
      long: 'Includes Utility/Recurring Maintenance Allowance (URMA) and Move-In Housing Allowance (MIHA) for one-time costs (key money / 礼金, deposit / 敷金, agent fees common in Japan rentals).',
      category: 'sofa',
      related: ['BAH', 'SOFA'],
    },
    'SCRA': {
      expansion: 'Servicemembers Civil Relief Act',
      short: 'Federal protections for active duty: 6% interest cap on pre-service debts, lease termination rights for orders, foreclosure protection, default judgment protection.',
      long: 'Trigger: entry onto active duty. The 6% cap applies retroactively — bank/credit-card must reduce your rate AND refund the difference upon notice + orders. Lease termination requires written notice + orders. Auto repossession + mortgage foreclosure stays available without court process.',
      category: 'sofa',
      related: ['USERRA'],
    },
    'TFL': {
      expansion: 'TRICARE for Life',
      short: 'TRICARE benefit for Medicare-eligible retirees (age 65+). Acts as secondary to Medicare.',
      long: 'Free enrollment (must have Medicare Parts A + B). Medicare pays first; TFL covers most of what Medicare doesn\'t. CRITICAL caveat for Japan: Medicare does NOT cover care abroad except in narrow border cases. TFL alone covers care overseas under TRICARE Overseas rules — file claims for reimbursement.',
      category: 'sofa',
      related: ['TRICARE', 'Medicare', 'IRMAA'],
    },
    'TOP': {
      expansion: 'TRICARE Overseas Program',
      short: 'TRICARE plans for active-duty / retiree / family members living outside the US.',
      long: 'Includes TRICARE Prime Overseas (active-duty + family in designated areas), TRICARE Select Overseas (retirees, fee-for-service), and TRICARE Overseas Program coverage in remote locations. Mostly cashless at participating providers in major Japanese cities; otherwise pay cash and submit claims via the TOP claims processor (International SOS / WPS) for 100% reimbursement (active duty) or after copay (retiree / family).',
      category: 'sofa',
      related: ['TRICARE', 'TFL'],
    },
    'USFHP': {
      expansion: 'US Family Health Plan',
      short: 'TRICARE Prime alternative offered by 6 designated non-profit health systems in specific US regions only.',
      long: 'Not available outside the US — irrelevant for Japan-based retirees but worth knowing about if planning a US repatriation to one of the served regions (parts of WA, NY, MA, MD, TX, ME). Typically lower out-of-pocket than TRICARE Select.',
      category: 'sofa',
      related: ['TRICARE'],
    },
    'IEP': {
      expansion: 'Initial Enrollment Period (Medicare)',
      short: '7-month window around your 65th birthday: 3 months before, the birthday month, and 3 months after.',
      long: 'Missing the IEP doesn\'t bar enrollment but creates lifetime late-enrollment penalties for Part B (10% of premium per 12 months delayed) and Part D (1% per month delayed). The General Enrollment Period (Jan-Mar each year) is the fallback, but the penalties stick. JP-resident expats often miss the IEP because they don\'t realize the deadline is independent of where they live.',
      category: 'us-tax',
      related: ['Medicare', 'IRMAA'],
    },
    'DNR': {
      expansion: 'Do Not Resuscitate',
      short: 'Medical order to forgo CPR and other resuscitation if your heart stops or you stop breathing.',
      long: 'Made via your advance directive (生前指示書) and ideally also a portable medical order (POLST in the US, similar JP forms). Different from "withdrawing all care" — you can be DNR but still receive comfort care, antibiotics, surgery, etc. For cross-border families, document in both languages and make sure your medical proxy knows.',
      category: 'us-tax',
      related: ['Advance Directive'],
    },
    'Advance Directive': {
      expansion: 'Advance Healthcare Directive',
      short: 'Document specifying medical wishes for situations where you can\'t communicate (vegetative state, severe dementia, terminal illness).',
      long: 'Two main components: (1) the living will — your specific wishes about life support, feeding tubes, DNR; (2) durable power of attorney for healthcare — naming who decides for you. JP residents should consider both US and JP versions: 生前指示書 / リビング・ウィル on the JP side, state-specific advance directive on the US side. Without one, JP medical defaults often skew aggressive; US defaults vary by state.',
      category: 'us-tax',
      related: ['DNR', 'POA'],
    },
    '介護保険': {
      expansion: 'Long-term Care Insurance (Japan)',
      short: 'Japan\'s universal long-term care insurance system. Mandatory at age 40+; premium auto-deducted via NHI/SHI.',
      long: 'Two enrollee categories: (1) ages 40-64, premium-only, eligible only for specific aging-related conditions; (2) ages 65+, full eligibility. Care levels assigned by 介護認定審査会 (municipal LTC certification committee): 要支援1-2 (lighter support) and 要介護1-5 (heavier care). Services include home help, day care, residential care, assistive devices. 10% copay (20% for higher-income); no copay for poverty-level enrollees. JP-resident US persons typically skip US private LTC insurance because 介護保険 covers most needs.',
      category: 'jp',
      related: ['NHI', '高額療養費'],
    },

    'WEP': {
      expansion: 'Windfall Elimination Provision (REPEALED Jan 2025)',
      short: 'Pre-2025 SSA rule that reduced US Social Security by up to 50% for those also receiving a pension from non-SS-covered work (incl. JP 厚生年金).',
      long: 'Repealed by the Social Security Fairness Act, signed Jan 2025, with retroactive effect to Jan 2024. For decades WEP forced JP-pension recipients (and US state/local pension recipients) to take large reductions on US SS. Now: full SS for everyone, regardless of foreign or non-covered pensions. SSA is processing back-pay; affected retirees should verify benefit recalculation via SSA.gov/myaccount.',
      category: 'us-tax',
      related: ['GPO', 'Fairness Act', 'Social Security'],
    },
    'GPO': {
      expansion: 'Government Pension Offset (REPEALED Jan 2025)',
      short: 'Pre-2025 SSA rule that reduced spousal/survivor SS benefits by 2/3 of any non-covered pension. Often eliminated spousal benefits entirely.',
      long: 'Repealed alongside WEP by the Social Security Fairness Act (Jan 2025). Affected JP-resident widows/widowers + retirees with US state/local pensions. Like WEP, retroactive to Jan 2024 — back-pay being processed by SSA.',
      category: 'us-tax',
      related: ['WEP', 'Fairness Act'],
    },
    'Fairness Act': {
      expansion: 'Social Security Fairness Act (Jan 2025)',
      short: 'Bipartisan law that repealed both WEP and GPO. Roughly 3M US retirees affected; ~$200B cost over 10 years.',
      long: 'Signed into law January 2025 with retroactive effect to January 2024. Eliminates the SS reductions that previously applied to recipients of "non-covered" pensions (foreign government pensions like 厚生年金, US state/local government pensions, etc.). For JP-residing US persons receiving 厚生年金, this means full US SS benefits going forward AND back-pay for the WEP/GPO amount withheld since Jan 2024.',
      category: 'us-tax',
      related: ['WEP', 'GPO', 'Social Security'],
    },
    'QCD': {
      expansion: 'Qualified Charitable Distribution',
      short: 'Direct transfer from IRA to qualified charity, available to IRA owners age 70½+. Counts toward RMD; reduces AGI.',
      long: 'Up to $108,000 (2025; indexed) per year per person can be transferred directly from a Traditional IRA to a 501(c)(3) charity. The amount is excluded from AGI (reduces tax better than itemizing) AND counts toward your RMD requirement. Especially valuable for those whose RMD would push them into higher Medicare IRMAA tiers or NIIT. Requires direct transfer (custodian → charity); doing it as personal withdrawal then donation forfeits the QCD treatment.',
      category: 'us-tax',
      related: ['RMD', 'IRMAA'],
    },
    'COBRA': {
      expansion: 'Consolidated Omnibus Budget Reconciliation Act',
      short: 'US law allowing former employees to continue employer health coverage for 18mo (sometimes 36mo) at full premium + 2% admin fee.',
      long: 'Useful as a healthcare bridge between employment and Medicare (or relocation). Can be elected from abroad — coverage continues per the plan terms. Often expensive ($1,500-$2,500/mo for family coverage typical). For JP-bound retirees: usually replaced after first 18mo with private international (CIGNA, Aetna) or NHI / SHI.',
      category: 'us-tax',
      related: ['ACA', 'Medicare'],
    },
    'ACA': {
      expansion: 'Affordable Care Act / Marketplace',
      short: 'US health insurance exchange — only available when residing in the US. PTC subsidies based on income.',
      long: 'Healthcare.gov plans with Premium Tax Credit (PTC) subsidies based on income relative to federal poverty level. Available only to US residents — does not work as overseas coverage. JP residents: irrelevant unless repatriating before Medicare eligibility. The Inflation Reduction Act extended enhanced PTCs through 2025.',
      category: 'us-tax',
      related: ['PTC', 'COBRA', 'Medicare'],
    },
    'PTC': {
      expansion: 'Premium Tax Credit (ACA)',
      short: 'Income-based subsidy on ACA Marketplace health insurance premiums. Reconciled on Form 8962 with the 1040.',
      long: 'For US residents enrolled in ACA Marketplace coverage. Sliding scale based on household income vs federal poverty level. Available either as advance credit (reducing monthly premium) or as a refundable credit on the 1040. Estimating income wrong → tax bill at filing time. Not available to overseas residents.',
      category: 'us-tax',
      related: ['ACA'],
    },
    '§988': {
      expansion: 'IRC §988 — Foreign Currency Transactions',
      short: 'Treats personal foreign-currency holdings as ordinary income/loss when converted, not capital gains.',
      long: 'When you hold JPY and later convert it back to USD, the gain/loss vs your USD basis is ORDINARY income (not capital). For frequent converters or large positions this matters: gains taxed at marginal rate (up to 37% federal), losses fully deductible against ordinary income. Personal-use exception ($200/transaction) covers small everyday FX. Document basis if you cycle large amounts USD↔JPY.',
      category: 'us-tax',
      related: ['FX'],
    },
    '日米地位協定': {
      expansion: 'US-Japan Status of Forces Agreement (SOFA)',
      short: 'Bilateral treaty governing the legal status of US military personnel + DoD civilians + contractors in Japan.',
      long: 'Among other things, exempts SOFA-status individuals from JP NHI/SHI enrollment requirements + JP residency tax in some cases. The exemption is tied to your specific SOFA status; it ends when you transition to a non-SOFA visa (work visa, spouse visa, etc.) — which is typically when 住民票 registration becomes appropriate.',
      category: 'sofa',
      related: ['SOFA', '住民票'],
    },
    '§121': {
      expansion: 'IRC §121 — Sale of Principal Residence Exclusion',
      short: 'Excludes up to $250K (single) / $500K (MFJ) of gain on sale of primary residence. Requires 2-of-5-year ownership + use test.',
      long: 'One of the largest individual tax breaks. Available once every 2 years. Both spouses must meet the use test for the $500K MFJ amount; only one needs to meet the ownership test. Partial exclusion available for "qualifying reasons" (job change ≥50mi, health, unforeseen circumstances) — pro-rated by months of qualified use. Depreciation taken during any rental period IS recaptured separately at 25% (§1250 unrecaptured gain) even when §121 fully shelters the rest.',
      category: 'us-tax',
      related: ['§1250', 'Schedule E'],
    },
    '§469': {
      expansion: 'IRC §469 — Passive Activity Loss Rules',
      short: 'Limits deduction of passive activity losses (mostly rental real estate) to passive income. Up to $25K of rental loss deductible against ordinary income if AGI ≤ $100K.',
      long: '$25K allowance phases out completely by $150K AGI. Real estate professionals (>50% of work time + 750 hours/yr in real estate) escape the limit. Suspended losses carry forward indefinitely until passive income generated OR property fully disposed (sold to non-related party) — at which point all suspended losses release. Critical for passive landlords planning a sale.',
      category: 'us-tax',
      related: ['Schedule E', 'AGI'],
    },
    '§1250': {
      expansion: 'IRC §1250 — Depreciation Recapture on Real Property',
      short: 'On sale of depreciated real estate, the depreciation portion of the gain is taxed at the "unrecaptured §1250 gain" rate of 25% (capped).',
      long: 'Applies even when §121 primary-residence exclusion fully shelters the rest of the gain. The "allowed or allowable" doctrine — the IRS treats you as having taken depreciation whether you actually claimed it or not, so always claim it during the rental period. Combined with state tax + JP capital gains for cross-border sellers can be substantial. Form 4797 + Schedule D mechanics on the US side.',
      category: 'us-tax',
      related: ['§121', 'Schedule E'],
    },
    'Schedule E': {
      expansion: 'IRS Schedule E — Supplemental Income and Loss',
      short: 'IRS form for reporting rental real estate, royalties, partnership/S-corp income, trust income.',
      long: 'For rental property: one column per property. Report gross rents minus operating expenses (repairs, mgmt fees, insurance, supplies, utilities, etc.) + depreciation + mortgage interest. Net flows to Form 1040. Net rental income is PASSIVE under §469 — losses limited unless you qualify as real-estate professional. Different from Schedule C (active business income).',
      category: 'us-tax',
      related: ['§469', '§1250'],
    },
    'JIRA': {
      expansion: 'Joint Individual Retirement Account',
      short: 'Common informal name for an IRA owned by one spouse, often referenced when discussing IRA strategy in MFJ context. Note: each IRA is individually owned (the I in IRA), there is no actually "joint" IRA.',
      category: 'us-tax',
      related: ['Traditional IRA', 'Roth IRA'],
    },
  };

  // Build a sorted list of match patterns longest-first so multi-word
  // terms match before their components ("Roth Conversion" before
  // "Roth IRA" before "Roth"). Matches are case-sensitive — acronyms
  // and proper-noun terms only.
  const SORTED_KEYS = Object.keys(GLOSSARY).sort((a, b) => b.length - a.length);

  // Escape regex special chars for literal matching.
  function reEscape(s) { return s.replace(/[.*+?^${}()|[\]\\]/g, '\\$&'); }

  // Combined regex. Word-boundary on the OUTSIDE so we don't match
  // mid-word (e.g., "PFIC" should not match inside "PFICabc"). For
  // CJK terms we don't need word boundaries — kanji aren't word chars
  // in JS regex — but the outer (?:^|...) (?:$|...) handles the
  // common cases.
  // Use a non-capturing alternation. The flag 'g' lets us iterate.
  const _glossRe = new RegExp('(?:' + SORTED_KEYS.map(reEscape).join('|') + ')', 'g');

  // ====================================================================
  // Annotator — wraps occurrences in <button class="tb-glossary-term">
  // ====================================================================

  function annotate(root) {
    if (!root) return;

    function processNode(node) {
      if (node.nodeType === 3) {
        const text = node.textContent;
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        if (!_glossRe.test(text)) { _glossRe.lastIndex = 0; return; }
        _glossRe.lastIndex = 0;

        const p = node.parentElement;
        if (!p) return;
        const tag = p.tagName;
        if (tag === 'SCRIPT' || tag === 'STYLE' || tag === 'RT' ||
            tag === 'INPUT' || tag === 'TEXTAREA' || tag === 'BUTTON' ||
            tag === 'A' || tag === 'LABEL' || tag === 'OPTION') return;
        if (p.closest('button.tb-glossary-term')) return;
        if (p.closest('.tb-glossary-modal')) return;

        const frag = document.createDocumentFragment();
        let last = 0, m;
        while ((m = _glossRe.exec(text)) !== null) {
          // Word-boundary check for ASCII matches — skip if surrounded
          // by alphanumeric chars that would suggest mid-word match.
          const prevCh = m.index > 0 ? text[m.index - 1] : '';
          const nextCh = m.index + m[0].length < text.length ? text[m.index + m[0].length] : '';
          const isAscii = /^[A-Za-z]/.test(m[0][0]);
          if (isAscii) {
            if (/[A-Za-z0-9]/.test(prevCh) || /[A-Za-z0-9]/.test(nextCh)) continue;
          }
          if (m.index > last) frag.appendChild(document.createTextNode(text.slice(last, m.index)));
          const btn = document.createElement('button');
          btn.type = 'button';
          btn.className = 'tb-glossary-term';
          btn.dataset.glossary = m[0];
          btn.textContent = m[0];
          frag.appendChild(btn);
          last = m.index + m[0].length;
        }
        _glossRe.lastIndex = 0;
        if (last === 0) return; // nothing wrapped (all skipped by boundary check)
        if (last < text.length) frag.appendChild(document.createTextNode(text.slice(last)));
        if (node.parentNode) node.parentNode.replaceChild(frag, node);
        return;
      }

      if (node.nodeType === 1) {
        const tag = node.tagName;
        if (tag === 'SCRIPT' || tag === 'STYLE' || tag === 'RT' ||
            tag === 'INPUT' || tag === 'TEXTAREA' || tag === 'BUTTON' ||
            tag === 'A' || tag === 'OPTION') return;
        if (node.classList && node.classList.contains('tb-glossary-modal')) return;
        const children = Array.from(node.childNodes);
        for (let i = 0; i < children.length; i++) processNode(children[i]);
      }
    }
    processNode(root);
  }

  // ====================================================================
  // Modal display
  // ====================================================================

  function show(termKey) {
    const entry = GLOSSARY[termKey];
    if (!entry) return;
    const root = document.getElementById('tb-modal-root');
    if (!root) return;

    const lang = (window.TB && TB.i18n) ? TB.i18n.getLang() : 'en';
    const isJp = lang === 'ja';

    function close() { root.innerHTML = ''; }

    const backdrop = document.createElement('div');
    backdrop.className = 'tb-modal-backdrop tb-glossary-modal';
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    const modal = document.createElement('div');
    modal.className = 'tb-modal';
    modal.style.maxWidth = '600px';
    backdrop.appendChild(modal);

    const closeBtn = document.createElement('button');
    closeBtn.className = 'tb-modal-close';
    closeBtn.type = 'button';
    closeBtn.textContent = '✕';
    closeBtn.addEventListener('click', close);
    modal.appendChild(closeBtn);

    // Header — term + expansion
    const header = document.createElement('div');
    header.style.marginBottom = 'var(--tb-sp-3)';
    const h2 = document.createElement('h2');
    h2.style.marginTop = '0';
    h2.style.marginBottom = 'var(--tb-sp-1)';
    h2.textContent = termKey;
    header.appendChild(h2);
    if (entry.expansion) {
      const exp = document.createElement('div');
      exp.style.color = 'var(--tb-text-soft)';
      exp.style.fontStyle = 'italic';
      exp.textContent = entry.expansion;
      header.appendChild(exp);
    }
    if (entry.category) {
      const catBadge = document.createElement('span');
      catBadge.className = 'tb-badge';
      catBadge.style.marginTop = 'var(--tb-sp-2)';
      catBadge.style.display = 'inline-block';
      catBadge.textContent = categoryLabel(entry.category, isJp);
      header.appendChild(catBadge);
    }
    modal.appendChild(header);

    // Short summary
    if (entry.short) {
      const shortP = document.createElement('p');
      shortP.style.fontSize = 'var(--tb-fs-16)';
      shortP.style.fontWeight = '500';
      shortP.style.marginTop = '0';
      shortP.textContent = entry.short;
      modal.appendChild(shortP);
    }

    // Long explanation
    if (entry.long) {
      const longP = document.createElement('p');
      longP.style.color = 'var(--tb-text)';
      longP.style.lineHeight = 'var(--tb-lh-loose)';
      longP.textContent = entry.long;
      modal.appendChild(longP);
    }

    // Why it matters
    if (entry.why) {
      const whyBox = document.createElement('div');
      whyBox.style.borderLeft = '3px solid var(--tb-accent)';
      whyBox.style.padding = 'var(--tb-sp-2) var(--tb-sp-3)';
      whyBox.style.background = 'var(--tb-bg)';
      whyBox.style.borderRadius = 'var(--tb-radius-1)';
      whyBox.style.marginTop = 'var(--tb-sp-3)';
      const whyLabel = document.createElement('div');
      whyLabel.style.fontWeight = '600';
      whyLabel.style.color = 'var(--tb-accent)';
      whyLabel.style.fontSize = 'var(--tb-fs-12)';
      whyLabel.style.textTransform = 'uppercase';
      whyLabel.style.letterSpacing = '0.04em';
      whyLabel.style.marginBottom = '4px';
      whyLabel.textContent = isJp ? 'なぜ重要か' : 'Why it matters';
      whyBox.appendChild(whyLabel);
      const whyP = document.createElement('div');
      whyP.textContent = entry.why;
      whyBox.appendChild(whyP);
      modal.appendChild(whyBox);
    }

    // Related terms — clickable chips that re-open the modal
    if (entry.related && entry.related.length) {
      const relWrap = document.createElement('div');
      relWrap.style.marginTop = 'var(--tb-sp-3)';
      const relLabel = document.createElement('div');
      relLabel.style.color = 'var(--tb-text-soft)';
      relLabel.style.fontSize = 'var(--tb-fs-12)';
      relLabel.style.textTransform = 'uppercase';
      relLabel.style.letterSpacing = '0.04em';
      relLabel.style.marginBottom = '4px';
      relLabel.textContent = isJp ? '関連用語' : 'Related';
      relWrap.appendChild(relLabel);
      const chips = document.createElement('div');
      chips.style.display = 'flex';
      chips.style.flexWrap = 'wrap';
      chips.style.gap = 'var(--tb-sp-1)';
      for (const rel of entry.related) {
        if (!GLOSSARY[rel]) continue;
        const chip = document.createElement('button');
        chip.className = 'tb-btn tb-btn--secondary';
        chip.type = 'button';
        chip.style.padding = '2px 10px';
        chip.style.fontSize = 'var(--tb-fs-12)';
        chip.textContent = rel;
        chip.addEventListener('click', () => show(rel));
        chips.appendChild(chip);
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      relWrap.appendChild(chips);
      modal.appendChild(relWrap);
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    // External references
    if (entry.refs && entry.refs.length) {
      const refsWrap = document.createElement('div');
      refsWrap.style.marginTop = 'var(--tb-sp-3)';
      const refsLabel = document.createElement('div');
      refsLabel.style.color = 'var(--tb-text-soft)';
      refsLabel.style.fontSize = 'var(--tb-fs-12)';
      refsLabel.style.textTransform = 'uppercase';
      refsLabel.style.letterSpacing = '0.04em';
      refsLabel.style.marginBottom = '4px';
      refsLabel.textContent = isJp ? '参考資料' : 'References';
      refsWrap.appendChild(refsLabel);
      const list = document.createElement('ul');
      list.style.margin = '0';
      list.style.paddingLeft = '20px';
      for (const r of entry.refs) {
        const li = document.createElement('li');
        const a = document.createElement('a');
        a.href = r.url;
        a.target = '_blank';
        a.rel = 'noopener noreferrer';
        a.textContent = r.label;
        li.appendChild(a);
        list.appendChild(li);
      }
      refsWrap.appendChild(list);
      modal.appendChild(refsWrap);
    }

    // Footer disclaimer
    const disc = document.createElement('p');
    disc.className = 'tb-field-help';
    disc.style.marginTop = 'var(--tb-sp-4)';
    disc.style.marginBottom = '0';
    disc.style.fontSize = 'var(--tb-fs-12)';
    disc.textContent = isJp
      ? '組織化のための説明であり、税務・財務・法律のアドバイスではありません。詳細は CPA 等の専門家に相談してください。'
      : 'Reference summary, not tax/financial/legal advice. Confirm specifics with a qualified CPA or tax professional.';
    modal.appendChild(disc);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  function categoryLabel(cat, isJp) {
    const labels = {
      'us-tax':     isJp ? '米国税制' : 'US Tax',
      'jp-tax':     isJp ? '日本税制' : 'Japan Tax',
      'retirement': isJp ? '退職計画' : 'Retirement',
      'investing':  isJp ? '投資'   : 'Investing',
      'jp-banking': isJp ? '日本銀行' : 'JP Banking',
      'sofa':       'SOFA',
    };
    return labels[cat] || cat;
  }

  // List of all glossary keys — useful for a future "View full glossary" page.
  function listKeys() {
    return SORTED_KEYS.slice().sort();
  }

  window.TB = window.TB || {};
  window.TB.glossary = {
    GLOSSARY,
    annotate,
    show,
    listKeys,
  };
})();

</script>
  <script data-source="scripts/tracks.js">
/* Taigan Bridge — tracks.js
 *
 * Pure track-assignment logic. Given the onboarding answers object,
 * returns { tracks: string[], modules: string[] }.
 *
 * Tracks:
 *   - sofa      — SOFA-status (active duty, DoD civ, DoD contractor) and
 *                 has not yet registered 住民票 in their current cycle.
 *   - veteran   — past US military service (any branch).
 *   - resident  — Japan tax resident (non-SOFA expats / long-term).
 *   - family    — Japanese-national spouse and/or dual-citizen children.
 *   - property  — owns or expects to inherit Japanese real estate.
 *
 * Modules unlocked:
 *   - core: profile, settings (always)
 *   - core: fbar, assets, document-vault (always — every US person in
 *           Japan likely has FBAR exposure)
 *   - sofa-roth (only if sofa track active)
 *   - veteran (only if veteran track active)
 */

(function () {
  'use strict';

  const ALWAYS_MODULES = ['profile', 'fbar', 'assets', 'document-vault', 'tax-coordinator', 'estate', 'net-worth', 'healthcare', 'health-tracker', 'fx-banking', 'decumulation', 'ask-taigan', 'sharing-backup', 'consultations', 'settings'];

  function arr(v) {
    if (Array.isArray(v)) return v;
    if (v == null || v === '') return [];
    return [v];
  }

  function assign(answers) {
    answers = answers || {};
    const tracks = new Set();
    const modules = new Set(ALWAYS_MODULES);

    const employment = answers.employment;          // string
    const visa = answers.visa;                       // string
    const juminhyo = answers.juminhyo;               // 'yes' | 'no' | 'unsure'
    const veteran = answers.veteran;                 // 'no' | 'active' | 'reserve_ng' | 'retired' | 'separated_no_dis' | 'separated_with_dis'
    const yearsInJapan = answers.years_in_japan;    // string range
    const taxStatus = answers.tax_status;            // string
    const family = arr(answers.family);              // multi
    const realEstate = answers.real_estate;          // 'yes' | 'no' | 'expected'

    // ----- SOFA track ---------------------------------------------
    // SOFA status if employment indicates DoD active/civ/contractor AND
    // visa indicates SOFA OR juminhyo not yet registered.
    const sofaEmployment = employment === 'dod_active' ||
                           employment === 'dod_civilian' ||
                           employment === 'dod_contractor';
    const sofaVisa = visa === 'sofa';
    if (sofaEmployment && (sofaVisa || juminhyo === 'no')) {
      tracks.add('sofa');
      modules.add('sofa-roth');
    }

    // ----- Veteran track ------------------------------------------
    // Any non-"no" status unlocks the Veteran module. The module
    // itself filters which sections appear based on the specific
    // status (e.g., TRICARE Retired only shows for 'retired').
    if (veteran && veteran !== 'no') {
      tracks.add('veteran');
      modules.add('veteran');
    }
    // Back-compat: pre-v0.14 the answer was 'yes' | 'no'.
    if (veteran === 'yes') {
      tracks.add('veteran');
      modules.add('veteran');
    }

    // ----- Long-Term Resident track -------------------------------
    // Japan tax resident if NOT actively SOFA and either juminhyo
    // registered, tax_status indicates Japan filer, or 5+ years in
    // Japan. SOFA-status individuals — even those with 10+ years in
    // Japan as DoD contractors/civilians — are NOT JP tax residents.
    // Surfacing "Long-Term Resident" for them is misleading; they
    // can force-enable via Customize dashboard if they want to
    // explore the module (e.g., planning a SOFA→work-visa transition).
    const longResident =
      (taxStatus === 'japan_resident' || taxStatus === 'japan_filer') ||
      (juminhyo === 'yes' && !tracks.has('sofa')) ||
      ((yearsInJapan === '5_to_10' || yearsInJapan === 'over_10') && !tracks.has('sofa'));
    if (longResident) tracks.add('resident');

    // ----- Family track -------------------------------------------
    if (family.includes('jp_spouse') ||
        family.includes('dual_children') ||
        family.includes('jp_children')) {
      tracks.add('family');
    }

    // ----- Property track -----------------------------------------
    if (realEstate === 'yes' || realEstate === 'expected') {
      tracks.add('property');
      modules.add('property');
    }

    // If nothing matched (e.g., user just visiting), default to a
    // "core" placeholder track so the dashboard renders sensibly.
    if (tracks.size === 0) tracks.add('core');

    return {
      tracks: Array.from(tracks),
      modules: Array.from(modules),
    };
  }

  function trackLabel(id, lang) {
    const labels = {
      en: {
        sofa: 'SOFA',
        veteran: 'Veteran',
        resident: 'Long-Term Resident',
        family: 'Family',
        property: 'Property',
        core: 'Core',
      },
      ja: {
        sofa: 'SOFA',
        veteran: '退役軍人',
        resident: '長期居住者',
        family: '家族',
        property: '不動産',
        core: '基本',
      },
    };
    return (labels[lang] || labels.en)[id] || id;
  }

  window.TB = window.TB || {};
  window.TB.tracks = { assign, trackLabel };
})();

</script>
  <script data-source="scripts/ai-client.js">
/* Taigan Bridge — ai-client.js
 *
 * Minimal Claude API wrapper. The user pastes their key into Settings;
 * it's stored only in localStorage and used for direct calls from the
 * browser to api.anthropic.com.
 *
 * callClaude is the single entry point. A real network call only happens
 * when the caller passes { live: true }; without it, callClaude returns a
 * deterministic stub. This is a deliberate guardrail so a caller that
 * forgets the flag can never silently spend the user's money — every
 * module that wants a real answer opts in explicitly.
 */

(function () {
  'use strict';

  const API_URL = 'https://api.anthropic.com/v1/messages';
  const ANTHROPIC_VERSION = '2023-06-01';
  const DEFAULT_MODEL = 'claude-sonnet-4-6';

  // ====================================================================
  // MODEL CATALOG
  // ====================================================================
  // Pricing is per million tokens, USD. Values are approximate Anthropic
  // public-pricing snapshots and may drift; the displayed labels in
  // Settings are the source of truth users see and verify against
  // anthropic.com pricing.
  // ====================================================================

  const MODEL_CATALOG = [
    {
      id: 'claude-opus-4-7',
      label_en: 'Opus 4.7 — most capable',
      label_jp: 'Opus 4.7 — 最も高性能',
      input_per_m: 15,
      output_per_m: 75,
      group: 'frontier',
    },
    {
      id: 'claude-sonnet-4-6',
      label_en: 'Sonnet 4.6 — balanced (recommended)',
      label_jp: 'Sonnet 4.6 — バランス型(推奨)',
      input_per_m: 3,
      output_per_m: 15,
      group: 'balanced',
      recommended: true,
    },
    {
      id: 'claude-haiku-4-5-20251001',
      label_en: 'Haiku 4.5 — fast & cheap',
      label_jp: 'Haiku 4.5 — 高速・安価',
      input_per_m: 1,
      output_per_m: 5,
      group: 'fast',
    },
    {
      id: 'claude-sonnet-4-20250514',
      label_en: 'Sonnet 4 (legacy)',
      label_jp: 'Sonnet 4 (旧)',
      input_per_m: 3,
      output_per_m: 15,
      group: 'legacy',
    },
  ];

  function findModel(id) {
    for (const m of MODEL_CATALOG) if (m.id === id) return m;
    return null;
  }

  function modelPriceLabel(m) {
    if (!m) return '';
    return '$' + m.input_per_m + '/M in · $' + m.output_per_m + '/M out';
  }

  function getApiKey() {
    return TB.state.get('settings.apiKey') || '';
  }

  function getModel() {
    const stored = TB.state.get('settings.model');
    if (stored && findModel(stored)) return stored;
    return DEFAULT_MODEL;
  }

  function getModelInfo() {
    return findModel(getModel()) || findModel(DEFAULT_MODEL);
  }

  function hasKey() {
    const k = getApiKey();
    return typeof k === 'string' && k.startsWith('sk-ant-');
  }

  // ====================================================================
  // USAGE TRACKING + COST COMPUTATION
  // ====================================================================

  function todayKey() {
    const d = new Date();
    const y = d.getFullYear();
    const m = String(d.getMonth() + 1).padStart(2, '0');
    const day = String(d.getDate()).padStart(2, '0');
    return y + '-' + m + '-' + day;
  }

  function computeCost(modelId, inputTokens, outputTokens) {
    const m = findModel(modelId) || findModel(DEFAULT_MODEL);
    if (!m) return 0;
    const inUsd = (Number(inputTokens) || 0) / 1_000_000 * m.input_per_m;
    const outUsd = (Number(outputTokens) || 0) / 1_000_000 * m.output_per_m;
    return inUsd + outUsd;
  }

  function getUsage() {
    return TB.state.get('settings.usage') || {
      daily: {},
      daily_limit_usd: 0,
      all_time: { input_tokens: 0, output_tokens: 0, cost_usd: 0, calls: 0 },
    };
  }

  function setUsage(u) { TB.state.set('settings.usage', u); }

  function todayUsage() {
    const u = getUsage();
    return u.daily[todayKey()] || { input_tokens: 0, output_tokens: 0, cost_usd: 0, calls: 0 };
  }

  // Canonical feature IDs for per-feature attribution. Display labels
  // and bucket order live in i18n (settings.ai.features.*); keep this
  // list in sync with the call-sites that pass `feature` into recordUsage.
  const FEATURE_IDS = [
    'chat',              // generic callClaude (no feature override)
    'fbar_chat',         // FBAR Q&A bot
    'fbar_vision',       // FBAR passbook / statement extraction
    'fbar_enrichment',   // FBAR institution enrichment
    'asset_vision',      // Asset statement extraction
    'asset_enrichment',  // Asset institution enrichment
    'document_vision',   // Document Vault metadata extraction
    'medical_vision',    // Health Tracker — lab/exam result extraction
    'ask_taigan',        // Ask Taigan AI assistant
    'health_check',      // API key health-check ping
    'other',             // fallback bucket
  ];

  // Vision features — used by the 'vision_only' consent posture as
  // the allow-list. Anything not in this set is treated as a "chat"
  // feature and gated separately. Keep in sync with the call-sites.
  const VISION_FEATURES = ['fbar_vision', 'asset_vision', 'document_vision', 'medical_vision'];

  function isVisionFeature(featureId) {
    return VISION_FEATURES.indexOf(featureId) !== -1;
  }

  // ====================================================================
  // AI CONSENT ENFORCEMENT
  // ====================================================================
  //
  // settings.ai_consent captures the user's default posture:
  //   'full'        — all AI features run without confirmation (default
  //                   for back-compat when ai_consent is null/undefined)
  //   'per_call'    — show a confirmation modal before each AI request
  //   'vision_only' — allow vision (document extraction) features; block
  //                   chat / enrichment / Ask Taigan
  //   'off'         — disable all AI features
  //
  // settings.ai_consent_overrides allows per-feature override of the
  // global posture:
  //   { feature_id: 'allow' | 'deny' | null }
  //   • 'allow' — force-allow this feature regardless of posture
  //                (skips per-call prompt, overrides vision_only/off)
  //   • 'deny'  — force-block this feature
  //   • null    — inherit from posture
  //
  // Session-only "Don't ask again for this feature" lives in
  // _sessionAllowFeatures and resets on page reload — deliberately
  // ephemeral, never persisted.
  //
  // Errors thrown from this gate use the shape:
  //   { name: 'AIConsentError', reason: 'off'|'denied'|'vision_only'|'cancelled', featureId }
  // so modules can render a friendly disabled-banner rather than a
  // generic "AI failed."

  const _sessionAllowFeatures = new Set();

  function getConsentPosture() {
    const v = TB.state.get('settings.ai_consent');
    if (v === 'off' || v === 'per_call' || v === 'vision_only' || v === 'full') return v;
    return 'full';  // back-compat default for users without v2 onboarding
  }
  function setConsentPosture(v) {
    if (['off', 'per_call', 'vision_only', 'full'].indexOf(v) === -1) return;
    TB.state.set('settings.ai_consent', v);
  }
  function getConsentOverrides() {
    return TB.state.get('settings.ai_consent_overrides') || {};
  }
  function setConsentOverride(featureId, value) {
    const cur = getConsentOverrides();
    if (value == null) delete cur[featureId];
    else cur[featureId] = value;
    TB.state.set('settings.ai_consent_overrides', cur);
  }

  // Build a sanitized "what gets sent" preview for the per-call modal.
  // Per-feature: returns a short string of what (de-identified) data
  // is going over the wire. NEVER include actual PII — the modal is
  // an audit surface, not a logging system.
  function consentPreview(featureId, ctx) {
    ctx = ctx || {};
    switch (featureId) {
      case 'fbar_vision':
      case 'asset_vision':
      case 'document_vision':
        return ctx.fileName
          ? 'The document image/PDF "' + ctx.fileName + '" (' +
            (ctx.fileSize ? Math.round(ctx.fileSize / 1024) + ' KB' : 'size unknown') + ').'
          : 'A document image/PDF you uploaded.';
      case 'asset_enrichment':
      case 'fbar_enrichment':
        return ctx.institution
          ? 'Institution name + country only: "' + ctx.institution + '" (' + (ctx.country || '?') + '). No account numbers, balances, or beneficiaries are sent.'
          : 'Institution name + country only — no account numbers, balances, or beneficiaries.';
      case 'fbar_chat':
        return 'Your typed question + a category-level FBAR summary (counts of accounts by type/country/currency; threshold met or not). No account numbers, balances, names, or dates.';
      case 'ask_taigan':
        return 'Your typed message + a digest of your Taigan Bridge state (sanitized — no full account numbers, no SSNs).';
      case 'chat':
        return 'Your typed question and the conversation so far.';
      case 'health_check':
        return 'A 1-token ping ("ping" → 1-token response) to verify the API key works. Cost ~$0.0001.';
      default:
        return 'See the per-feature consent preview in Settings.';
    }
  }

  // Synchronous "would this feature be allowed without prompting?"
  // check. Returns:
  //   true   — feature will run silently (full / vision_only-vision / allow override)
  //   false  — feature will be blocked (off / deny override / vision_only-chat)
  //   null   — feature will prompt (per_call)
  // Modules use this to gray out buttons proactively when the answer is
  // false, or to add a "you'll be asked to confirm" hint when null.
  function isFeatureAllowed(featureId) {
    if (!featureId) return null;
    if (featureId === 'health_check') return true;
    const ov = getConsentOverrides()[featureId];
    if (ov === 'deny') return false;
    if (ov === 'allow') return true;
    const posture = getConsentPosture();
    if (posture === 'full') return true;
    if (posture === 'off') return false;
    if (posture === 'vision_only') return isVisionFeature(featureId) ? true : false;
    if (posture === 'per_call') return null;
    return true;
  }

  // The gate. Throws on denial; resolves silently on allow. ctx is
  // optional; passed through to the per-call modal so the preview
  // can name the institution / file / etc.
  async function checkConsent(featureId, ctx) {
    if (!featureId) featureId = 'other';

    // health_check is always allowed — it's the explicit "is my key
    // alive?" button. Failing it because AI is set to 'off' would be
    // counterintuitive (user can't even verify their key works without
    // re-enabling AI first). Cheap enough that no consent prompt is
    // warranted.
    if (featureId === 'health_check') return true;

    const overrides = getConsentOverrides();
    const ov = overrides[featureId];

    // Per-feature override 'deny' is absolute.
    if (ov === 'deny') {
      const e = new Error('AI feature "' + featureId + '" is force-disabled in your AI Consent settings.');
      e.name = 'AIConsentError'; e.reason = 'denied'; e.featureId = featureId;
      throw e;
    }
    // Per-feature override 'allow' bypasses posture (still blocked by
    // dailyLimit / API key checks downstream).
    if (ov === 'allow') return true;

    const posture = getConsentPosture();
    if (posture === 'full') return true;

    if (posture === 'off') {
      const e = new Error('AI features are disabled. Enable in Settings → AI consent.');
      e.name = 'AIConsentError'; e.reason = 'off'; e.featureId = featureId;
      throw e;
    }

    if (posture === 'vision_only') {
      if (isVisionFeature(featureId)) return true;
      const e = new Error('Only vision (document extraction) features are enabled. Enable broader AI in Settings → AI consent, or allow "' + featureId + '" specifically.');
      e.name = 'AIConsentError'; e.reason = 'vision_only'; e.featureId = featureId;
      throw e;
    }

    if (posture === 'per_call') {
      // Skip the modal if user clicked "Don't ask again this session"
      if (_sessionAllowFeatures.has(featureId)) return true;
      const ok = await showConsentModal(featureId, ctx);
      if (!ok) {
        const e = new Error('You cancelled the AI request.');
        e.name = 'AIConsentError'; e.reason = 'cancelled'; e.featureId = featureId;
        throw e;
      }
      return true;
    }
    return true;
  }

  // Render the per-call confirmation modal. Returns Promise<boolean>:
  // true if the user clicked Send, false if Cancel / Esc.
  function showConsentModal(featureId, ctx) {
    return new Promise((resolve) => {
      const utils = (window.TB && window.TB.utils) || null;
      const el = utils && utils.el;
      const t = (window.TB && window.TB.i18n && window.TB.i18n.t) || ((k) => k);
      const root = document.getElementById('tb-modal-root');
      if (!el || !root) {
        // Fallback to confirm() in pathological no-DOM cases.
        const ok = window.confirm('Send "' + featureId + '" request to Claude?');
        resolve(!!ok); return;
      }

      const lang = (window.TB && window.TB.i18n && window.TB.i18n.getLang && window.TB.i18n.getLang()) || 'en';
      const featureLabel = t('settings.dashboard.feature.' + featureId);
      const preview = consentPreview(featureId, ctx);
      const cost = ctx && ctx.estimatedCostUsd != null ? ctx.estimatedCostUsd
                 : (ctx && ctx.file ? (estimateCost(ctx.file) || { approxUsd: 0 }).approxUsd : null);

      const backdrop = el('div', { class: 'tb-modal-backdrop' });
      const modal = el('div', { class: 'tb-modal', style: { maxWidth: '520px' } });
      backdrop.appendChild(modal);
      function close(ok) { root.innerHTML = ''; resolve(ok); }
      backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(false); });
      function onKey(e) {
        if (e.key === 'Escape') { document.removeEventListener('keydown', onKey); close(false); }
        else if (e.key === 'Enter') { document.removeEventListener('keydown', onKey); close(true); }
      }
      document.addEventListener('keydown', onKey);

      modal.appendChild(el('h2', { style: { marginTop: 0 } },
        '🔒 ' + t('ai.consent.modal.title')));
      modal.appendChild(el('p', null,
        t('ai.consent.modal.intro', { feature: featureLabel })));

      // What gets sent (sanitized preview)
      modal.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderLeft: '3px solid var(--tb-accent)', borderRadius: 'var(--tb-radius-1)',
          margin: 'var(--tb-sp-3) 0', fontSize: 'var(--tb-fs-14)',
        },
      },
        el('div', {
          style: { fontSize: '11px', fontWeight: '600', textTransform: 'uppercase',
                   letterSpacing: '0.06em', color: 'var(--tb-text-soft)', marginBottom: '6px' },
        }, t('ai.consent.modal.whatSent')),
        el('div', null, preview),
      ));

      // Cost estimate
      if (cost != null && cost > 0) {
        modal.appendChild(el('div', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-3)' } },
          '💰 ' + t('ai.consent.modal.estCost', { usd: cost.toFixed(4) })));
      }

      // "Don't ask again this session" checkbox
      let dontAskAgain = false;
      modal.appendChild(el('label', {
        style: { display: 'flex', alignItems: 'center', gap: '8px', cursor: 'pointer',
                 fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)',
                 marginBottom: 'var(--tb-sp-3)' },
      },
        el('input', {
          type: 'checkbox',
          onchange: (e) => { dontAskAgain = !!e.target.checked; },
        }),
        el('span', null, t('ai.consent.modal.dontAskSession', { feature: featureLabel })),
      ));

      // Buttons
      const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)' } });
      btnRow.appendChild(el('button', {
        class: 'tb-btn tb-btn--secondary',
        type: 'button',
        onclick: () => { document.removeEventListener('keydown', onKey); close(false); },
      }, t('ai.consent.modal.cancel')));
      btnRow.appendChild(el('button', {
        class: 'tb-btn',
        type: 'button',
        onclick: () => {
          if (dontAskAgain) _sessionAllowFeatures.add(featureId);
          document.removeEventListener('keydown', onKey);
          close(true);
        },
      }, t('ai.consent.modal.send')));
      modal.appendChild(btnRow);

      // Link to permanently change for this feature in Settings.
      modal.appendChild(el('div', {
        style: { marginTop: 'var(--tb-sp-3)', textAlign: 'right', fontSize: 'var(--tb-fs-12)' },
      },
        el('a', {
          href: '#',
          style: { color: 'var(--tb-text-soft)' },
          onclick: (e) => {
            e.preventDefault();
            document.removeEventListener('keydown', onKey);
            close(false);
            document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'settings' } }));
          },
        }, t('ai.consent.modal.openSettings') + ' →'),
      ));

      root.innerHTML = '';
      root.appendChild(backdrop);
    });
  }

  function emptyBucket() {
    return { input_tokens: 0, output_tokens: 0, cost_usd: 0, calls: 0 };
  }

  function bumpBucket(bucket, inT, outT, cost) {
    bucket.input_tokens += inT;
    bucket.output_tokens += outT;
    bucket.cost_usd += cost;
    bucket.calls += 1;
  }

  function recordUsage(modelId, usage, feature) {
    const inT = Number(usage && usage.input_tokens) || 0;
    const outT = Number(usage && usage.output_tokens) || 0;
    const cost = computeCost(modelId, inT, outT);
    const u = getUsage();
    if (!u.daily) u.daily = {};
    if (!u.all_time) u.all_time = emptyBucket();
    const featureId = (feature && FEATURE_IDS.indexOf(feature) >= 0) ? feature : 'other';
    const modelKey = modelId || 'unknown';

    const key = todayKey();
    const day = u.daily[key] || emptyBucket();
    bumpBucket(day, inT, outT, cost);
    if (!day.by_feature) day.by_feature = {};
    if (!day.by_feature[featureId]) day.by_feature[featureId] = emptyBucket();
    bumpBucket(day.by_feature[featureId], inT, outT, cost);
    if (!day.by_model) day.by_model = {};
    if (!day.by_model[modelKey]) day.by_model[modelKey] = emptyBucket();
    bumpBucket(day.by_model[modelKey], inT, outT, cost);
    u.daily[key] = day;

    bumpBucket(u.all_time, inT, outT, cost);
    if (!u.all_time.by_feature) u.all_time.by_feature = {};
    if (!u.all_time.by_feature[featureId]) u.all_time.by_feature[featureId] = emptyBucket();
    bumpBucket(u.all_time.by_feature[featureId], inT, outT, cost);
    if (!u.all_time.by_model) u.all_time.by_model = {};
    if (!u.all_time.by_model[modelKey]) u.all_time.by_model[modelKey] = emptyBucket();
    bumpBucket(u.all_time.by_model[modelKey], inT, outT, cost);

    setUsage(u);
    return cost;
  }

  function resetTodayUsage() {
    const u = getUsage();
    if (u.daily) delete u.daily[todayKey()];
    setUsage(u);
  }

  function dailyLimitUsd() {
    const u = getUsage();
    return Number(u.daily_limit_usd) || 0;
  }

  function setDailyLimitUsd(usd) {
    const u = getUsage();
    u.daily_limit_usd = Math.max(0, Number(usd) || 0);
    setUsage(u);
  }

  // Throws if today's spend already meets / exceeds the configured
  // daily limit. Estimated cost of the about-to-be-made call is added
  // to today's already-recorded cost; if the sum >= limit, refuse.
  function enforceDailyLimit(estimatedCostUsd) {
    const limit = dailyLimitUsd();
    if (limit <= 0) return; // 0 = no limit
    const today = todayUsage();
    const projected = (today.cost_usd || 0) + (Number(estimatedCostUsd) || 0);
    if (projected >= limit) {
      throw new Error(
        'Daily AI spend limit reached. Today: $' + (today.cost_usd || 0).toFixed(4) +
        ' · projected after this call: $' + projected.toFixed(4) +
        ' · limit: $' + limit.toFixed(2) +
        '. Raise the limit in Settings or wait until tomorrow.',
      );
    }
  }

  // ====================================================================
  // CREDIT BALANCE TRACKING
  // ====================================================================

  function getCredits() {
    return TB.state.get('settings.credits') || {
      topups: [],
      last_reconciled_at: null,
      last_reconciled_balance: null,
    };
  }

  function setCredits(c) { TB.state.set('settings.credits', c); }

  function isTopupActive(topup, now) {
    const today = now || new Date();
    if (!topup.expires) return true;
    const exp = new Date(topup.expires + 'T23:59:59');
    return !isNaN(exp.getTime()) && exp >= today;
  }

  function activeTopups() {
    const c = getCredits();
    return (c.topups || []).filter(t => isTopupActive(t));
  }

  // Returns the locally-computed remaining balance.
  //
  // Without a reconcile snapshot:
  //   sum(active_topups.amount) - all_time.cost_usd
  // (Approximation — assumes topups predate any tracked usage.)
  //
  // With a reconcile snapshot (last_reconciled_at + last_reconciled_balance):
  //   last_reconciled_balance - sum(daily costs after reconcile_date)
  // (More accurate — anchors to the user's confirmed actual balance.)
  function computeRemainingBalance() {
    const c = getCredits();
    const u = getUsage();
    const purchased = activeTopups().reduce((s, t) => s + (Number(t.amount_usd) || 0), 0);

    if (c.last_reconciled_at && c.last_reconciled_balance != null) {
      const reconcileDate = String(c.last_reconciled_at).slice(0, 10);
      let spentSince = 0;
      for (const [day, info] of Object.entries(u.daily || {})) {
        if (day > reconcileDate) spentSince += (Number(info.cost_usd) || 0);
      }
      return {
        purchased,
        spent_since_reconcile: spentSince,
        spent_total: u.all_time && u.all_time.cost_usd || 0,
        remaining: Math.max(0, Number(c.last_reconciled_balance) - spentSince),
        anchored: true,
      };
    }

    const allTimeCost = u.all_time && u.all_time.cost_usd || 0;
    return {
      purchased,
      spent_since_reconcile: 0,
      spent_total: allTimeCost,
      remaining: Math.max(0, purchased - allTimeCost),
      anchored: false,
    };
  }

  function addTopup(topup) {
    const c = getCredits();
    if (!c.topups) c.topups = [];
    c.topups.push(Object.assign({ id: 'tu-' + Math.random().toString(36).slice(2, 10) }, topup));
    // Sort newest-first for display.
    c.topups.sort((a, b) => String(b.date || '').localeCompare(String(a.date || '')));
    setCredits(c);
  }

  function removeTopup(id) {
    const c = getCredits();
    c.topups = (c.topups || []).filter(t => t.id !== id);
    setCredits(c);
  }

  function reconcile(actualBalanceUsd) {
    const c = getCredits();
    c.last_reconciled_at = new Date().toISOString();
    c.last_reconciled_balance = Math.max(0, Number(actualBalanceUsd) || 0);
    setCredits(c);
  }

  // Returned when callClaude is invoked without { live: true }. This is
  // the no-spend guardrail path: deterministic text, zero tokens, no
  // network call. A caller seeing this in production has forgotten to
  // pass { live: true }.
  function placeholderResponse(prompt) {
    return {
      role: 'assistant',
      content: [{
        type: 'text',
        text: '[No live AI call — callClaude was invoked without { live: true }.]\n\n' +
              'Prompt received: ' + (prompt || '').slice(0, 200) +
              ((prompt || '').length > 200 ? '…' : ''),
      }],
      model: getModel(),
      stop_reason: 'end_turn',
      usage: { input_tokens: 0, output_tokens: 0 },
    };
  }

  // Real Claude API call. Reached only via callClaude({ live: true }) so
  // we never bill the user by accident. Callers must check hasKey() first
  // and surface a friendly "add your key in Settings" message if not.
  async function callClaudeLive({ system, messages, model, maxTokens, temperature, feature }) {
    // Hard stop on the hosted demo: never make a billable call from a
    // copy of the app the visitor doesn't own. Belt-and-suspenders with
    // the disabled key field in Settings — covers a key set via devtools.
    if (window.TB && TB.hostedDemo && TB.hostedDemo.isHostedDemo && TB.hostedDemo.isHostedDemo()) {
      const tt = (window.TB && TB.i18n && TB.i18n.t) ? TB.i18n.t : (k) => k;
      throw new Error(tt('hostedDemo.aiDisabled'));
    }
    if (!hasKey()) {
      throw new Error('No Claude API key set. Add one in Settings to use AI features.');
    }
    const featureId = feature || 'chat';
    // Consent gate runs BEFORE enforceDailyLimit so a denial doesn't
    // mention budget. Throws AIConsentError on denial.
    await checkConsent(featureId);
    enforceDailyLimit(0);
    const useModel = model || getModel();
    const body = {
      model: useModel,
      max_tokens: maxTokens || 1024,
      temperature: temperature == null ? 0.7 : temperature,
      messages: messages || [],
    };
    if (system) body.system = system;

    const res = await fetch(API_URL, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'x-api-key': getApiKey(),
        'anthropic-version': ANTHROPIC_VERSION,
        // Required so the browser can call the API directly without
        // a server-side proxy. The key never leaves the user's machine.
        'anthropic-dangerous-direct-browser-access': 'true',
      },
      body: JSON.stringify(body),
    });

    if (!res.ok) {
      const errText = await res.text();
      throw new Error(`Claude API error ${res.status}: ${errText}`);
    }
    const json = await res.json();
    if (json && json.usage) recordUsage(json.model || useModel, json.usage, featureId);
    return json;
  }

  function callClaude(prompt, options) {
    const opts = options || {};
    if (!opts.live) {
      return Promise.resolve(placeholderResponse(prompt));
    }
    const messages = opts.messages || [{
      role: 'user',
      content: typeof prompt === 'string' ? prompt : '',
    }];
    return callClaudeLive({
      system: opts.system,
      messages,
      model: opts.model,
      maxTokens: opts.maxTokens,
      temperature: opts.temperature,
      feature: opts.feature,
    });
  }

  // ====================================================================
  // FBAR SANITIZER (background AI calls)
  // ====================================================================
  //
  // BACKGROUND AI calls (suggestions, explanations, "what should I ask
  // a CPA about FBAR?") MUST NOT send FBAR account numbers, balances,
  // filer names, dates, addresses, or any other identifying field to
  // Anthropic. Those calls go through:
  //
  //   TB.ai.callClaudeWithFbarContext(prompt, options)
  //
  // which assembles a system message containing only the category-
  // level summary returned by TB.fbar.summarizeFbarForAi() (counts of
  // accounts by type/country/currency, filer counts, threshold-met
  // counts per year — no PII).
  //
  // EXPLICIT USER-INITIATED UPLOADS are the one exception. When the
  // user clicks "Upload bank document" and confirms a per-call consent
  // modal that names the destination, the image / PDF goes via:
  //
  //   TB.ai.callClaudeVisionForExtraction(file, kind, options)
  //
  // The image is held in memory only (never persisted), confirmation
  // is required per upload (never stored "trust this site" style),
  // and the call uses the user's own API key for direct browser →
  // api.anthropic.com transmission. The author cannot intercept it.
  //
  // No other code path may transmit raw FBAR data. If you find one,
  // it's a bug — file an issue and gate it behind the same consent UI.
  // ====================================================================

  function buildFbarSystemMessage() {
    if (!window.TB || !window.TB.fbar || typeof window.TB.fbar.summarizeFbarForAi !== 'function') {
      return null;
    }
    const summary = window.TB.fbar.summarizeFbarForAi();
    return [
      'The user has FBAR data in Taigan Bridge. The summary below is the',
      'ONLY information available about that data — no account numbers,',
      'balances, names, dates, or addresses are included.',
      '',
      'Sanitized FBAR context:',
      JSON.stringify(summary, null, 2),
      '',
      'Help the user think about FBAR organization, deadlines, common',
      'mistakes, and questions to bring to a CPA. Never ask the user to',
      'paste their account numbers, balances, or names into chat — those',
      'belong only in their local Taigan Bridge state.',
    ].join('\n');
  }

  function callClaudeWithFbarContext(prompt, options) {
    const sys = buildFbarSystemMessage();
    const opts = Object.assign({}, options || {});
    // Combine with any caller-provided system message.
    opts.system = sys && opts.system
      ? (sys + '\n\n---\n\n' + opts.system)
      : (sys || opts.system);
    if (!opts.feature) opts.feature = 'fbar_chat';
    return callClaude(prompt, opts);
  }

  // ====================================================================
  // VISION EXTRACTION (user-initiated uploads, gated by consent)
  // ====================================================================
  //
  // callClaudeVisionForExtraction(file, kind, options)
  //   file: a File object (from <input type="file">) — PNG / JPG / WEBP
  //         / GIF / PDF
  //   kind: 'passbook' | 'statement' | 'screenshot' | 'generic'
  //   options.year:    hint to narrow extraction to a single calendar
  //                    year (the FBAR module passes the active year)
  //   options.model:   override default model
  //   options.maxTokens: defaults to 2048
  //
  // Returns: parsed JSON conforming to the OUTPUT SHAPE in
  // buildExtractionPrompt(). Throws on network error, no API key, or
  // unparseable response.
  //
  // The caller is responsible for showing the consent modal BEFORE
  // invoking this function. This function does not show one — it
  // assumes the user has already confirmed.
  // ====================================================================

  const ACCEPTED_IMAGE_TYPES = [
    'image/png', 'image/jpeg', 'image/jpg', 'image/webp', 'image/gif',
  ];
  const ACCEPTED_PDF_TYPES = ['application/pdf'];
  const MAX_UPLOAD_BYTES = 10 * 1024 * 1024; // 10 MB hard limit

  function fileToBase64(file) {
    return new Promise((resolve, reject) => {
      const reader = new FileReader();
      reader.onload = () => {
        const result = String(reader.result || '');
        const m = result.match(/^data:([^;]+);base64,(.*)$/);
        if (!m) return reject(new Error('Failed to read file as base64'));
        resolve({ mediaType: m[1], data: m[2] });
      };
      reader.onerror = () => reject(reader.error || new Error('FileReader error'));
      reader.readAsDataURL(file);
    });
  }

  function classifyFile(file) {
    const t = (file.type || '').toLowerCase();
    if (ACCEPTED_PDF_TYPES.indexOf(t) !== -1) return 'pdf';
    if (ACCEPTED_IMAGE_TYPES.indexOf(t) !== -1) return 'image';
    // Some browsers report .pdf with empty type — sniff by extension.
    const name = (file.name || '').toLowerCase();
    if (name.endsWith('.pdf')) return 'pdf';
    if (/\.(png|jpe?g|webp|gif)$/.test(name)) return 'image';
    return null;
  }

  function buildExtractionPrompt(kind, opts) {
    const year = opts && opts.year ? opts.year : null;
    const yearHint = year
      ? `\nThe user is currently focused on calendar year ${year}, but if the document spans multiple years, extract ALL of them — do not narrow the output to the focused year.`
      : '';

    return [
      'You are an extraction assistant for a Foreign Bank and Financial',
      'Accounts Report (FBAR) tracker. You receive a single document',
      '(a bank passbook page, statement, or screenshot) and return',
      'STRUCTURED JSON describing what you can read.' + yearHint,
      '',
      'CRITICAL RULES:',
      '- Respond with ONLY a JSON object, nothing else. No markdown,',
      '  no code fences, no commentary before or after the JSON.',
      '- If you cannot determine a field, use null. Never guess or',
      '  fabricate values.',
      '- ALL dates in your output MUST be ISO 8601 Western calendar',
      '  (YYYY-MM-DD). See the JAPANESE CALENDAR section below.',
      '- Numbers: use the document\'s native currency. Do not convert',
      '  to USD. Strip currency symbols, commas, and Japanese 万 / 千',
      '  notation — return raw numbers (e.g., 1500000 not "¥1,500,000",',
      '  "150万円" → 1500000).',
      '- Account numbers: include any digits visible. Do not mask.',
      '',
      'JAPANESE CALENDAR (和暦) — CRITICAL:',
      'Japanese passbooks (通帳), tax documents, residence cards, and',
      'official bank papers commonly use 和暦 (the Japanese era',
      'calendar) instead of Western dates. You MUST convert every era',
      'date to a Western YYYY-MM-DD before putting it in the output.',
      '',
      'Era conversion table (formula: era_year + offset = Western_year):',
      '  令和 (Reiwa)  : Western = Reiwa + 2018   → 令和元年=2019, 令和6年=2024',
      '  平成 (Heisei) : Western = Heisei + 1988  → 平成元年=1989, 平成31年=2019',
      '  昭和 (Showa)  : Western = Showa + 1925   → 昭和元年=1926, 昭和64年=1989',
      '  大正 (Taisho) : Western = Taisho + 1911',
      '  明治 (Meiji)  : Western = Meiji + 1867',
      '',
      '元年 means "year 1" in any era.',
      'Examples (era → Western):',
      '  令和元年12月31日   → 2019-12-31',
      '  令和3年4月1日      → 2021-04-01',
      '  令和6年10月15日    → 2024-10-15',
      '  R6.10.15 / 令6.10.15 (abbreviations) — same conversion',
      '  平成31年4月30日    → 2019-04-30 (era changed to Reiwa on 2019-05-01)',
      '  昭和64年1月7日     → 1989-01-07 (era changed to Heisei on 1989-01-08)',
      '',
      'If a date is ambiguous (just "6年10月15日" with no era prefix),',
      'assume the most recent applicable era based on context. If the',
      'page header shows the account was opened in 平成, transactions',
      'before May 2019 are likely 平成; after that, 令和.',
      '',
      'OPENED / CLOSED YEAR — DO NOT FABRICATE:',
      'opened_year and closed_year may ONLY be populated if you can',
      'see an EXPLICIT account-opening or closure date on the',
      'document. Look for these specific labels:',
      '  - 開設日 / 開設年月日 / 申込日 / Account opened / Opening date',
      '  - 解約日 / 閉鎖日 / Account closed / Closure date',
      'If none of these appear on the document, return null for the',
      'corresponding field. DO NOT infer opened_year from the earliest',
      'transaction date — a 2025 statement showing transactions',
      'starting January 2025 does NOT mean the account was opened in',
      '2025. The opening date might be years earlier (or, for a new',
      'account, exactly 2025) — you cannot tell from transaction dates',
      'alone. The user will fill in opened_year manually if you',
      'return null.',
      '',
      'MULTI-YEAR DOCUMENTS — CRITICAL:',
      'Passbooks regularly span multiple calendar years. You MUST',
      'return a `years_covered` array with one entry per calendar year',
      'where transactions or balance entries are EXPLICITLY VISIBLE',
      'on the document. Each entry contains that year\'s maximum',
      'balance. Do not collapse a multi-year document into a single',
      'year.',
      '',
      'NEVER fabricate years_covered entries. If the document shows',
      'transactions for 2025 only, return only [{year: 2025, ...}].',
      'Do NOT add 2024 or 2023 entries unless those years\' transactions',
      'or balances are physically visible on the page. The application',
      'will carry-forward dormant years on its own; that\'s a separate',
      'concern from extraction. Your job is to report ONLY what the',
      'document actually shows.',
      '',
      'Only include years that have ALREADY STARTED OR ENDED. Do NOT',
      'include FUTURE dates as years_covered entries — even if they',
      'appear on the document. The most common case where this',
      'matters is fixed-deposit (FD / 定期預金) certificates that',
      'show a future 満期日 (maturity date). The principal does not',
      '"exist" in the future maturity year for FBAR reporting. Skip',
      'those years entirely; the application will carry the prior',
      'year\'s balance forward only as far as today\'s calendar year.',
      '',
      'Also populate `balance_entries` with EVERY visible transaction',
      'row, with date converted from 和暦 to Western. The application',
      'uses balance_entries as a fallback to recover per-year maxes if',
      '`years_covered` is missing — so even if you forget the summary,',
      'the entries will let the user recover.',
      '',
      'DORMANT YEARS / CARRY-FORWARD — CRITICAL FOR FBAR:',
      'A bank account that has no transactions in a given year is',
      'still REPORTABLE for that year — the balance carries forward',
      'from the most recent prior transaction. FBAR\'s threshold is',
      '"maximum balance during the year," and a dormant balance is',
      'still a balance.',
      '',
      'When a passbook shows a gap (e.g., transactions in 2019-2021,',
      'then nothing until 2026), include a `years_covered` entry for',
      'EVERY year in the span — using the carry-forward balance from',
      'the most recent prior transaction for the dormant years.',
      'Set max_balance_date to null for the carry-forward years and',
      'note the carry-forward in extraction_notes.',
      '',
      'Common signals of a long gap in 通帳:',
      '  - A "繰越" (carryforward) line followed by a much later date',
      '  - A "通帳記入" line indicating when the passbook was last printed',
      '  - The same balance value repeated with no intervening rows',
      '  - A multi-year date jump on consecutive lines',
      'In all of these cases, fill in the missing intermediate years',
      'with the carry-forward balance.',
      '',
      'Account closure: ONLY skip carry-forward years if you see an',
      'explicit closure marker (口座解約 / closed / final balance 0).',
      'Otherwise assume the account remained open and dormant.',
      '',
      'BEFORE YOU RESPOND, run this self-check:',
      '  1. How many distinct calendar years span the document?',
      '     (From earliest visible date to latest visible date.)',
      '  2. Does `years_covered` have an entry for EVERY year in that',
      '     span — including dormant years with carry-forward balances?',
      '  3. For each year with transactions, did I find the MAXIMUM',
      '     差引残高 across all in-year rows (not just the year-end)?',
      '  4. For each dormant year, did I use the carry-forward',
      '     balance from the most recent prior transaction?',
      '  5. Are all dates in YYYY-MM-DD Western calendar (not 和暦)?',
      '  6. Did I convert 元年 = year 1 of each era correctly?',
      '     (令和元年 → 2019, NOT 0)',
      '',
      'OUTPUT SHAPE:',
      '{',
      '  "kind": "passbook" | "statement" | "screenshot" | "fd_certificate" | "unknown",',
      '  "institution_name": string|null,             // primary form as visible on the document',
      '  "institution_name_en": string|null,          // English / romanized form (e.g. "Akita Bank")',
      '  "institution_name_jp": string|null,          // Japanese form (kanji/katakana, e.g. "秋田銀行")',
      '  "institution_address": string|null,          // English / romanized form (used on FBAR)',
      '  "institution_address_jp": string|null,       // Japanese form (kanji, optional)',
      '  "country": string|null,                     // ISO 3166-1 alpha-2',
      '  "currency": string|null,                    // ISO 4217',
      '  "account_type": "bank"|"securities"|"other"|null,',
      '  "account_number": string|null,',
      '  "account_holder_name": string|null,         // Romanized form preferred',
      '  "account_holder_name_jp": string|null,      // 漢字 / カタカナ form',
      '  "year": number|null,                        // single-year docs only',
      '  "opened_year": number|null,                 // ONLY if an explicit account-opening date is visible',
      '  "closed_year": number|null,                 // ONLY if an explicit closure date is visible',
      '  "years_covered": [                          // REQUIRED — one per visibly-active year',
      '    { "year": number, "max_balance_native": number, "max_balance_date": "YYYY-MM-DD"|null }',
      '  ],',
      '  "balance_entries": [                        // OPTIONAL — sample only',
      '    { "date": "YYYY-MM-DD"|null, "balance_native": number, "memo": string|null }',
      '  ],',
      '  "max_balance_native": number|null,          // overall peak across all years',
      '  "max_balance_date": "YYYY-MM-DD"|null,',
      '  "transactions": [                            // every visible passbook row (deep mode)',
      '    { "date": "YYYY-MM-DD", "deposit": number|null, "withdrawal": number|null,',
      '      "balance": number, "description": string|null }',
      '  ],',
      '  "consolidated_entries": [                    // 合算 collapsed-row ranges',
      '    { "start_date": "YYYY-MM-DD", "end_date": "YYYY-MM-DD",',
      '      "count": number, "total_deposits": number|null,',
      '      "total_withdrawals": number|null, "ending_balance": number|null }',
      '  ],',
      '  "fd_references": [                            // parallel FD certificates',
      '    { "cert_number": string, "fd_number": string|null,',
      '      "amount": number|null, "open_date": "YYYY-MM-DD"|null,',
      '      "maturity_date": "YYYY-MM-DD"|null,',
      '      "status": "active"|"matured"|"rolled"|"unknown" }',
      '  ],',
      '  "carry_over_balance": number|null,           // 繰越高 from previous passbook',
      '  "warnings": [ string ],                      // ambiguities for user review',
      '  "extraction_notes": string|null,             // free-form notes',
      '  "confidence": "high"|"medium"|"low",',
      '  "accounts": [                                // ONLY for multi-account documents (see section below)',
      '    {',
      '      "account_number": string,                // distinguishing identifier, e.g. "FD#01 cert 55130-1438907"',
      '      "account_type": "bank"|"securities"|"other"|null,  // override; otherwise inherits top-level',
      '      "currency": string|null,                 // override; otherwise inherits top-level',
      '      "principal_amount": number|null,         // for FDs / time deposits, the principal in native currency',
      '      "open_date": "YYYY-MM-DD"|null,',
      '      "maturity_date": "YYYY-MM-DD"|null,',
      '      "interest_rate_pct": number|null,        // annual rate as a percent, e.g. 0.01 for 0.01%',
      '      "notes": string|null,                    // FD#, term, anything distinguishing',
      '      "years_covered": [',
      '        { "year": number, "max_balance_native": number, "max_balance_date": "YYYY-MM-DD"|null }',
      '      ]',
      '    }',
      '  ]',
      '}',
      '',
      'OUTPUT BUDGET — KEEP RESPONSE SMALL:',
      'Long passbooks with hundreds of transactions can cause the',
      'response to be truncated at the token limit, breaking JSON',
      'parsing. To stay within budget:',
      '  - `years_covered` is the PRIMARY OUTPUT. One entry per year,',
      '    with that year\'s max balance. This is what the application',
      '    uses; complete it first.',
      '  - `balance_entries` is OPTIONAL and SAMPLED. Include AT MOST',
      '    3 rows PER YEAR: the year\'s opening balance, the year\'s',
      '    peak (the row that produced max_balance_native), and the',
      '    year\'s closing balance. Skip everything else. Do not list',
      '    every transaction.',
      '  - For `extraction_notes`, keep it under 500 characters.',
      'Following these caps keeps responses well under the token',
      'limit even for 30-year passbooks.',
      '',
      'MULTI-ACCOUNT DOCUMENTS — CRITICAL FOR FBAR:',
      'A single document can represent MULTIPLE separate FBAR-reportable',
      'accounts. The most common case is a Japanese fixed-deposit (定期',
      '預金) certificate that bundles 2-10 sub-deposits ("FD#01",',
      '"FD#02", etc.) under one cert number, each with its own',
      'principal amount, term, and per-year max balance. For FBAR',
      'purposes, EACH sub-deposit is a separate reportable account',
      'and gets its own line on the form.',
      '',
      'When you encounter such a document, populate `accounts[]` with',
      'one entry per sub-deposit. EACH entry has:',
      '  - `account_number`: a string distinguishing this sub-deposit',
      '    from its siblings, e.g., "FD#01 cert 55130-1438907" or',
      '    "Sub-deposit A". Include the parent cert number for',
      '    traceability.',
      '',
      '    DO NOT confuse a BRANCH NUMBER (店番 / 支店番号) with the',
      '    sub-deposit identifier. The branch number is a 3-5 digit',
      '    code that identifies the bank branch and is the SAME across',
      '    every sub-deposit at that branch. The sub-deposit ID is the',
      '    smaller per-row identifier (often 2-5 digits) that DIFFERS',
      '    between sub-deposits on the same cert. If a single value',
      '    repeats across every row of a multi-FD certificate, it is',
      '    almost certainly the branch number — put it in `notes` if',
      '    you want to record it, but DO NOT put it in account_number',
      '    as if it were the sub-deposit ID.',
      '  - `principal_amount`: the deposit principal in the native',
      '    currency (the FBAR max value will be roughly this for an',
      '    FD that hasn\'t accrued much interest).',
      '  - `open_date` / `maturity_date`: the sub-deposit\'s own dates.',
      '  - `years_covered`: per-year max balance entries for THIS',
      '    sub-deposit (not the cert as a whole). For FDs, the max',
      '    is usually the principal × cumulative interest, roughly',
      '    constant year-over-year until maturity.',
      '  - `interest_rate_pct`: if visible (Japanese FDs typically',
      '    show 利率 as a percentage like 0.01 for 0.01%).',
      '  - `notes`: anything distinguishing — term length (1Y/3Y/5Y),',
      '    type (定期 / 定額), special conditions.',
      '',
      'The TOP-LEVEL fields (institution_name, country, currency,',
      'institution_address, etc.) describe the SHARED parent metadata',
      '— they apply to all sub-accounts unless an entry overrides',
      'them. The application will create N separate account records',
      'from accounts[], each inheriting the shared metadata.',
      '',
      'When in doubt about whether a document is "single account" or',
      '"multi-account": if you can identify multiple distinct FD',
      'numbers, sub-deposit identifiers, or per-row principal amounts',
      'on the SAME document, populate accounts[] with one entry each.',
      'If the document is a regular passbook with one account number',
      'and a transaction history, leave accounts[] empty (the',
      'top-level fields handle the single-account case).',
      '',
      'FD LIFECYCLE — CRITICAL FOR FIXED DEPOSITS:',
      '',
      'Japanese fixed deposits (定期預金 / 定額貯金 / 定期貯金) are NOT',
      'one-time transactions. Each FD has a LIFECYCLE:',
      '  1. DEPOSIT (預入 / 入金 / 預け入れ) on the open date —',
      '     principal is deposited.',
      '  2. LOCKUP — balance is held at approximately PRINCIPAL for',
      '     the entire term (Japanese FD rates are typically 0.01%-',
      '     0.05% — interest accrual is negligible compared to the',
      '     principal).',
      '  3. PAYMENT / PAYOUT (払戻 / 支払 / 満期受取) on the close',
      '     date — principal + accrued interest comes out.',
      '',
      'CRITICAL — 定額貯金 (postal time deposit / Japan Post) DEPOSIT-ROW DATES:',
      '',
      'For 定額貯金 specifically (and many 定期預金 products at Japanese',
      'banks), the DEPOSIT ROW often shows TWO dates side by side:',
      '  - The first date (left column) = 預入日 = DEPOSIT date',
      '  - The second date (further right, near the rate / 利率) =',
      '    据置期間満了日 = WITHDRAWAL-ELIGIBLE date (typically the',
      '    deposit date + 6 months for 定額貯金).',
      '',
      'The 据置期間満了日 is NOT the maturity date. It is the earliest',
      'date the customer is ALLOWED to withdraw without penalty.',
      'After this date, the FD continues to accrue interest until full',
      'maturity (10 years from deposit for 定額貯金) or until the',
      'customer chooses to withdraw.',
      '',
      'The TRUE maturity_date / close_date is on the SEPARATE',
      'PAYMENT ROW (the row showing 払戻金額 / 支払金額 / お支払金額),',
      'which often appears MUCH later in the passbook — sometimes',
      '5-10 years after the deposit row. That row\'s date is the',
      'actual close date.',
      '',
      'Concrete pattern to recognize:',
      '  Deposit row:  | 24-06-08 | ... | *500,000円 | 0.04% (3年以上) | 24-12-08 |',
      '  Payment row:  | 5-01-18  | ... |             | お支払金額 *501,600円 |',
      '',
      'The "24-12-08" on the deposit row is 据置期間満了日 (Heisei 24',
      'Dec 8 = 2012-12-08, exactly 6 months after the 2012-06-08',
      'deposit). It is NOT the maturity. The TRUE maturity is the',
      'date on the payment row: 5-01-18 = 令和5年1月18日 = 2023-01-18.',
      '',
      'Rule: maturity_date / close_date comes ONLY from a PAYMENT',
      'row (払戻 / 支払 / お支払金額 columns populated). NEVER take',
      'a date from the deposit row as the close date, even if it',
      'is in the future relative to the deposit date — that\'s',
      'almost always the 据置期間満了日, not the maturity.',
      '',
      'If you cannot find a corresponding payment row for a',
      'deposit, the FD is STILL ACTIVE: leave maturity_date null',
      'and populate years_covered through the current year.',
      '',
      'For FBAR purposes, an FD\'s max balance during EVERY YEAR of',
      'its lifetime is the PRINCIPAL. The FD existed and held that',
      'principal for every calendar year between open and close.',
      'You MUST populate years_covered with one entry per year in',
      'that range — not just the year the deposit was made or the',
      'year the payout happened.',
      '',
      'When you see an FD entry on the document, identify:',
      '  - DEPOSIT date (open_date)',
      '  - PAYMENT date (close_date / maturity_date), or null if',
      '    still active',
      '  - PRINCIPAL amount (the deposit amount)',
      '  - PAYOUT amount (principal + accrued interest, only',
      '    relevant for the close year)',
      '',
      'Then populate years_covered for the FD as follows:',
      '  - For every year from open_date.year through close_date.year',
      '    (or current calendar year if still active): one entry with',
      '    max_balance_native = principal.',
      '  - The CLOSE year specifically gets max_balance_native =',
      '    payout amount (slightly higher than principal due to',
      '    accrued interest), and max_balance_date = the payment',
      '    date.',
      '  - The OPEN year gets max_balance_date = the deposit date.',
      '  - All intermediate years get max_balance_date = null (the',
      '    balance was the principal throughout, no specific peak day).',
      '',
      'WORKED EXAMPLE — a single FD\'s lifecycle:',
      '',
      'Document shows:',
      '  Entry 01 — Deposit row:',
      '    | 24-06-08 | 51555 | *500,000円 | 500千円 | 1口 |',
      '    | 定額貯金 | 0.04% (3年以上) | 24-12-08 |',
      '    Interpretation:',
      '      平成24年6月8日 (2012-06-08) = DEPOSIT date',
      '      ¥500,000 = principal, 0.04% rate, 3-year+ tier',
      '      sub-id 51555',
      '      24-12-08 = 据置期間満了日 (lockup-expiry, 2012-12-08)',
      '        — NOT the maturity. Ignore for open/close purposes.',
      '  Entry 01 — Payment row:',
      '    | 5-01-18 | 01200 | お支払金額 *501,600円 | 税額 *406 |',
      '    Interpretation:',
      '      令和5年1月18日 (2023-01-18) = PAYMENT / maturity date',
      '      01200 = branch number (not a sub-deposit ID)',
      '      ¥501,600 paid out (¥1,600 gross interest, ¥406 tax)',
      '',
      'This is ONE FD that existed from June 2012 to January 2023.',
      'It held ¥500,000 (the principal) every year from 2012 through',
      '2022, and ¥501,600 (the payout) momentarily in early 2023',
      'before being paid out.',
      '',
      'Output (one entry in accounts[]):',
      '{',
      '  "account_number": "FD#01 cert XXXXXXX (sub 51555)",',
      '  "principal_amount": 500000,',
      '  "open_date": "2012-06-08",',
      '  "maturity_date": "2023-01-18",',
      '  "interest_rate_pct": 0.04,',
      '  "notes": "Sub 51555; 3-year+ tier; matured 2023-01-18,',
      '           ¥1,600 gross interest, ¥406 tax withheld",',
      '  "years_covered": [',
      '    { "year": 2012, "max_balance_native": 500000, "max_balance_date": "2012-06-08" },',
      '    { "year": 2013, "max_balance_native": 500000, "max_balance_date": null },',
      '    { "year": 2014, "max_balance_native": 500000, "max_balance_date": null },',
      '    { "year": 2015, "max_balance_native": 500000, "max_balance_date": null },',
      '    { "year": 2016, "max_balance_native": 500000, "max_balance_date": null },',
      '    { "year": 2017, "max_balance_native": 500000, "max_balance_date": null },',
      '    { "year": 2018, "max_balance_native": 500000, "max_balance_date": null },',
      '    { "year": 2019, "max_balance_native": 500000, "max_balance_date": null },',
      '    { "year": 2020, "max_balance_native": 500000, "max_balance_date": null },',
      '    { "year": 2021, "max_balance_native": 500000, "max_balance_date": null },',
      '    { "year": 2022, "max_balance_native": 500000, "max_balance_date": null },',
      '    { "year": 2023, "max_balance_native": 501600, "max_balance_date": "2023-01-18" }',
      '  ]',
      '}',
      '',
      'For an FD that is STILL ACTIVE (no payment row visible):',
      '  - maturity_date is null',
      '  - years_covered runs from open_date.year through the current',
      '    calendar year (the application reads this as "still open")',
      '  - Every year\'s max is the principal',
      '',
      'DATE SANITY CHECKS — apply BEFORE returning open_date / maturity_date:',
      '',
      '1. open_date MUST be in the past. A bank cannot accept a deposit',
      '   on a date that hasn\'t happened yet. If your candidate',
      '   open_date is in the future, you misread the era prefix —',
      '   recheck and fix.',
      '',
      '2. Distinguish DEPOSIT date from MATURITY / PAYMENT date.',
      '   On Japanese FD documents, you may see multiple dates per',
      '   FD entry — typically labeled differently:',
      '     預入日 / 入金 / 預入年月日 → DEPOSIT date (= open_date)',
      '     満期日 / 払戻 / 支払日       → PAYMENT / MATURITY date (= close_date)',
      '     据置期間満了日              → LOCKUP-EXPIRY (NEITHER — IGNORE)',
      '   Do NOT use a 満期日 (maturity) as the open_date. If the',
      '   only date you can identify is a maturity-style date,',
      '   leave open_date null rather than use the maturity date.',
      '',
      '   For a single FD entry on a passbook there are typically',
      '   TWO ROWS — the deposit row (when the principal went in)',
      '   and the payment row (when it came out). Both rows often',
      '   share the same FD number / cert number. Pick the EARLIER',
      '   date as open_date and the LATER date as maturity_date. If',
      '   you produce open_date and maturity_date in the same year',
      '   (or worse, on the same day) for what looks like a 1y+ FD,',
      '   you have probably read the SAME row twice — fix it.',
      '',
      '   IMPORTANT — DEPOSIT-ROW SECONDARY DATE TRAP:',
      '   On 定額貯金 (postal time deposit) and many 定期預金 products,',
      '   the DEPOSIT ROW itself shows TWO dates: the deposit date',
      '   (left, e.g. 24-06-08) AND a second date near the rate',
      '   column (e.g. 24-12-08). The second date is the',
      '   据置期間満了日 (withdrawal-eligible / lockup-expiry date),',
      '   typically deposit + 6 months for 定額貯金. It is NOT the',
      '   maturity. NEVER use that second deposit-row date as',
      '   maturity_date / close_date.',
      '',
      '   The true maturity comes ONLY from a separate PAYMENT row',
      '   showing お支払金額 / 払戻金額 / 支払金額 columns. If no',
      '   such payment row exists, the FD is still active — leave',
      '   maturity_date null.',
      '',
      '3. ERA CONVERSION — be especially careful:',
      '     平成 (Heisei, "H"): + 1988 = Western year',
      '       H24 = 2012  · H30 = 2018  · H31 = 2019 (era ended Apr 30)',
      '     令和 (Reiwa, "R"):  + 2018 = Western year',
      '       R1 = 2019 (era began May 1) · R5 = 2023 · R10 = 2028',
      '',
      '   HARD INVARIANTS — these are mathematically required, not',
      '   stylistic preferences. If your candidate violates any of',
      '   them, the era is wrong and you must recompute:',
      '     - Reiwa (令和) DID NOT EXIST before 2019-05-01. Any',
      '       date you have produced as a Reiwa year MUST be 2019',
      '       or later. If you produced "2005" from R5, that is',
      '       BACKWARDS — R5 = 2023, NOT 2005. Recompute.',
      '     - Heisei (平成) ran 1989-01-08 through 2019-04-30. Any',
      '       Heisei-derived Western year MUST be in 1989..2019.',
      '     - When a 4-digit Western year stamp like "2023" appears',
      '       directly on the document, prefer it over your own era',
      '       conversion.',
      '',
      '   Common misreads to watch for:',
      '     - 令和N年 read AS the Western year "200N" or "20N":',
      '       e.g., 令和5年 (=2023) misread as 2005, 令和6年 (=2024)',
      '       misread as 2006. If you computed a Western year before',
      '       2019 from a 令 / R prefix, you reversed the conversion —',
      '       redo it.',
      '     - H24 (=2012) misread as R10 (=2028) — they look',
      '       similar in stamped/handwritten form. If you computed a',
      '       2028 deposit date for an FD, the document almost',
      '       certainly says H24 (2012), not R10 (2028).',
      '     - H30 (=2018) vs R12 (=2030) — same risk.',
      '     - Era-less year numbers — if you see "24-06-08" with no',
      '       prefix, look for context (a 平成 / 令和 marker on the',
      '       page header) before assuming Reiwa.',
      '',
      '4. FD term-length sanity: typical Japanese FDs have 1y / 3y /',
      '   5y / 10y terms. If your computed maturity_date - open_date',
      '   would be more than 30 years apart, you misread one of the',
      '   eras — recheck.',
      '',
      '5. If after these checks you\'re still not confident about a',
      '   date, return null and add a warning to the warnings[]',
      '   array describing what you saw and why you couldn\'t resolve it.',
      '',
      'For an FD that ROLLED OVER (matured + reinvested into a new',
      'FD), capture the OLD FD as one accounts[] entry (with its own',
      'open + close dates) and the NEW FD as a SEPARATE accounts[]',
      'entry (its own open date, no close date if still active). They',
      'are technically separate accounts on the FBAR.',
      '',
      'COMMON CASES:',
      '- Japanese 通帳 (passbook): institution_name is the bank as',
      '  printed (usually 漢字 form like "ゆうちょ銀行"); ALSO populate',
      '  `institution_name_jp` with the same value AND populate',
      '  `institution_name_en` with the romanized English name when',
      '  the institution is well-known (e.g., 秋田銀行 → "Akita Bank",',
      '  ゆうちょ銀行 → "Japan Post Bank", 三菱UFJ → "MUFG Bank").',
      '  currency "JPY", country "JP". Each row is a transaction; the',
      '  rightmost column 差引残高 is the running balance after that',
      '  transaction. For each calendar year visible, find the MAX',
      '  value of 差引残高 across that year\'s rows and put it in',
      '  `years_covered`.',
      '',
      'DEEP PASSBOOK ANALYSIS — when the document is a Japanese',
      '通帳, ALSO extract these structured details:',
      '',
      'a) `transactions[]` — capture EVERY visible transaction row:',
      '     { "date": "YYYY-MM-DD", "deposit": number|null,',
      '       "withdrawal": number|null, "balance": number,',
      '       "description": string|null }',
      '   The `balance` is the running 差引残高 AFTER that row.',
      '   Capture for EVERY visible row — not just deposits or',
      '   withdrawals. Interest rows (利息 / リソク) and carry-overs',
      '   are also rows; populate their `balance` field.',
      '   Convert era dates (令和N年, 平成N年) to YYYY-MM-DD.',
      '',
      'b) `consolidated_entries[]` — Japanese passbooks sometimes',
      '   collapse N transactions into a single "合算" or "合算N" row',
      '   when the book hasn\'t been printed in a long time. That',
      '   single row HIDES individual transactions and may obscure',
      '   the true peak balance in that range. When you see one:',
      '     { "start_date": "YYYY-MM-DD", "end_date": "YYYY-MM-DD",',
      '       "count": number, "total_deposits": number|null,',
      '       "total_withdrawals": number|null,',
      '       "ending_balance": number|null }',
      '   ALSO add a string to top-level `warnings[]` flagging that',
      '   the peak in that range may be unknown.',
      '',
      'c) `fd_references[]` — fixed deposit (定期預金 / FD) certificate',
      '   references that appear alongside passbook entries (e.g., a',
      '   parallel FD certificate number printed in the passbook).',
      '   FDs roll over: a matured FD reinvested gets a new cert',
      '   number that is a CONTINUATION of the same FD, not a',
      '   separate account.',
      '     { "cert_number": string, "fd_number": string|null,',
      '       "amount": number|null, "open_date": "YYYY-MM-DD"|null,',
      '       "maturity_date": "YYYY-MM-DD"|null,',
      '       "status": "active" | "matured" | "rolled" | "unknown" }',
      '   These are NOT regular transactions; do not include them',
      '   in `transactions[]`. The user may import the FD as a',
      '   separate account record later.',
      '',
      'd) `carry_over_balance` — number|null. The first line of a',
      '   new passbook often shows 繰越高 / 繰越 — the ending balance',
      '   carried from the previous book. Capture this value',
      '   separately from `transactions[]`.',
      '',
      'e) `warnings[]` — string array of ambiguities the user should',
      '   review. When a value is unclear (handwritten, smudged,',
      '   partially obscured), set the value to null AND add a',
      '   warning describing what couldn\'t be read. Do NOT guess.',
      '   Examples:',
      '     "Row 12 (合算9, 2018-04-15 to 2020-03-10) collapses 9',
      '      transactions; peak balance in that range is unknown."',
      '     "Balance on 2024-08-22 is partially obscured; left null."',
      '     "Account holder name appears handwritten and ambiguous."',
      '',
      'TRANSACTION VOLUME / TOKEN BUDGET:',
      'A long passbook can have hundreds of transactions. Try to',
      'capture all of them — but if you sense the response is',
      'getting long, prioritize: (1) `years_covered` summary,',
      '(2) `consolidated_entries`, (3) `fd_references`, (4)',
      '`warnings`, (5) representative `transactions` rows including',
      'every yearly peak. The application will reconstruct per-year',
      'maxes from `transactions[]` if `years_covered` is missing.',
      '- Wise statement: institution_name "Wise". Currency per the',
      '  statement. Statements usually cover a single period; populate',
      '  `years_covered` with one entry per calendar year that has',
      '  visible balances.',
      '- Online banking screenshot: extract whatever is visible. If',
      '  the dashboard shows an explicit "annual high" / "年中最高残高"',
      '  field, use that for the corresponding year in `years_covered`',
      '  rather than the current snapshot balance.',
      '',
      'Return JSON only. The user will review and correct every field.',
    ].join('\n');
  }

  function parseJsonFromResponse(text) {
    if (!text) throw new Error('Empty response from Claude');
    let trimmed = String(text).trim();
    // Strip markdown code fences if Claude added them despite instructions.
    if (trimmed.startsWith('```')) {
      trimmed = trimmed.replace(/^```(?:json)?\s*/i, '').replace(/```\s*$/, '').trim();
    }
    // Handle stray prose before/after the JSON object.
    const first = trimmed.indexOf('{');
    const last = trimmed.lastIndexOf('}');
    if (first >= 0 && last > first) {
      trimmed = trimmed.slice(first, last + 1);
    }
    try {
      return JSON.parse(trimmed);
    } catch (err) {
      // Best-effort recovery from truncated responses (response cut
      // off at max_tokens). Try to salvage the top-level scalar
      // fields plus whatever years_covered entries completed before
      // the cutoff.
      const recovered = recoverPartialJson(trimmed);
      if (recovered && recovered._partial) {
        console.warn('[ai-client] Response was truncated; recovered partial JSON with', (recovered.years_covered || []).length, 'years.');
        return recovered;
      }
      throw new Error('Failed to parse extraction JSON: ' + err.message + '\n\nRaw response:\n' + text.slice(0, 500));
    }
  }

  // Salvage what we can from a truncated extraction response. We
  // assume the JSON fragment starts with a single { and was cut off
  // somewhere inside an array. Strategy:
  //   1. Pull every "key": value pair where the value is a complete
  //      string, number, or boolean (top-level scalars).
  //   2. Find a "years_covered": [ ... ] block and parse as many
  //      complete { ... } objects as possible from inside it.
  //   3. Return a synthetic object with those plus _partial: true.
  function recoverPartialJson(fragment) {
    const out = { _partial: true };

    // Top-level scalars.
    const scalarRe = /"([a-z_]+)"\s*:\s*(?:"((?:\\.|[^"\\])*)"|(-?\d+(?:\.\d+)?)|(true|false|null))/g;
    let m;
    while ((m = scalarRe.exec(fragment)) !== null) {
      const key = m[1];
      const strVal = m[2];
      const numVal = m[3];
      const boolVal = m[4];
      if (key === 'year' || key === 'max_balance_native' || key === 'max_balance_date'
          || key === 'balance_native' || key === 'date' || key === 'memo') continue;
      if (out[key] !== undefined) continue;
      if (strVal !== undefined) out[key] = strVal.replace(/\\(.)/g, '$1');
      else if (numVal !== undefined) out[key] = parseFloat(numVal);
      else if (boolVal === 'true') out[key] = true;
      else if (boolVal === 'false') out[key] = false;
      else if (boolVal === 'null') out[key] = null;
    }

    // years_covered array — extract complete { ... } objects.
    const ycIdx = fragment.indexOf('"years_covered"');
    if (ycIdx >= 0) {
      const after = fragment.slice(ycIdx);
      const arrStart = after.indexOf('[');
      if (arrStart >= 0) {
        const arrText = after.slice(arrStart + 1);
        const years = [];
        const objRe = /\{[^{}]*\}/g;
        let mm;
        while ((mm = objRe.exec(arrText)) !== null) {
          try {
            const obj = JSON.parse(mm[0]);
            if (obj && typeof obj.year === 'number' && typeof obj.max_balance_native === 'number') {
              years.push(obj);
            }
          } catch (_) { /* skip malformed */ }
        }
        if (years.length > 0) out.years_covered = years;
      }
    }

    // Only return if we got something useful.
    if (out.years_covered && out.years_covered.length > 0) return out;
    if (out.institution_name || out.account_number) return out;
    return null;
  }

  async function callClaudeVisionForExtraction(file, kind, options) {
    if (!hasKey()) {
      throw new Error('No Claude API key set. Add one in Settings to enable document upload.');
    }
    if (!file) throw new Error('No file provided.');
    if (file.size > MAX_UPLOAD_BYTES) {
      throw new Error(`File too large (${(file.size / 1024 / 1024).toFixed(1)} MB). Limit is ${MAX_UPLOAD_BYTES / 1024 / 1024} MB.`);
    }
    const cls = classifyFile(file);
    if (!cls) throw new Error(`Unsupported file type: ${file.type || file.name}. Use PNG, JPG, WEBP, GIF, or PDF.`);

    const opts = options || {};
    const useModel = opts.model || getModel();
    const estimated = estimateCost(file);
    // Consent gate — passes the file context so per-call modal can name
    // the file and show a real cost estimate.
    await checkConsent(opts.feature || 'fbar_vision', {
      fileName: file.name, fileSize: file.size, file,
      estimatedCostUsd: estimated ? estimated.approxUsd : null,
    });
    enforceDailyLimit(estimated ? estimated.approxUsd : 0);

    const { mediaType, data } = await fileToBase64(file);

    const sourceBlock = cls === 'pdf'
      ? { type: 'document', source: { type: 'base64', media_type: 'application/pdf', data } }
      : { type: 'image',    source: { type: 'base64', media_type: mediaType, data } };

    const promptText = buildExtractionPrompt(kind, opts);

    const body = {
      model: useModel,
      // Vision extractions on multi-year passbooks can produce
      // verbose JSON. 8192 tokens (~32 KB of output text) fits a
      // 30-year passbook with the year-summary + 3-rows-per-year
      // sample. callClaude (chat) keeps the conservative 1024
      // default; only this vision path needs the larger budget.
      max_tokens: opts.maxTokens || 8192,
      // Lower temperature for extraction — we want determinism.
      temperature: opts.temperature == null ? 0.2 : opts.temperature,
      messages: [{
        role: 'user',
        content: [sourceBlock, { type: 'text', text: promptText }],
      }],
    };

    const res = await fetch(API_URL, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'x-api-key': getApiKey(),
        'anthropic-version': ANTHROPIC_VERSION,
        'anthropic-dangerous-direct-browser-access': 'true',
      },
      body: JSON.stringify(body),
    });

    if (!res.ok) {
      const errText = await res.text();
      throw new Error(`Claude API error ${res.status}: ${errText}`);
    }

    const json = await res.json();
    if (json && json.usage) recordUsage(json.model || useModel, json.usage, opts.feature || 'fbar_vision');
    const text = (json.content || [])
      .map(c => c.type === 'text' ? c.text : '')
      .join('');
    const parsed = parseJsonFromResponse(text);

    return {
      extracted: parsed,
      raw: text,
      usage: json.usage,
      model: json.model,
      cost_usd: json.usage ? computeCost(json.model || useModel, json.usage.input_tokens, json.usage.output_tokens) : 0,
    };
  }

  // ====================================================================
  // ASSET STATEMENT EXTRACTION (vision)
  // ====================================================================
  //
  // callClaudeVisionForAssetExtraction(file, options)
  //   file: a File object (from <input type="file">) — PNG / JPG / WEBP
  //         / GIF / PDF
  //   options.country_hint:    'US' | 'JP' | null — passed when the modal
  //                             already knows which side of the Pacific
  //   options.model:           override default model
  //   options.maxTokens:       defaults to 2048
  //
  // Returns: { extracted, raw, usage, model, cost_usd } where `extracted`
  // is a parsed object conforming to the OUTPUT SHAPE below. Throws on
  // network error, no API key, or unparseable response.
  //
  // Designed for the Assets module. Output is single-account; if the
  // statement covers multiple accounts the model is instructed to return
  // the largest / most prominent one and list the others under
  // `additional_accounts_observed` for the user's reference.
  // ====================================================================

  function buildAssetExtractionPrompt(opts) {
    const country = opts && opts.country_hint ? opts.country_hint : null;
    const countryHint = country
      ? `\nThe user has indicated this is a ${country === 'US' ? 'United States' : country === 'JP' ? 'Japan' : country} account, but verify against the document.`
      : '';
    return [
      'You are an extraction assistant for a portfolio tracker that',
      'helps Americans living in Japan organize accounts on both sides',
      'of the Pacific.' + countryHint,
      '',
      'You receive an account statement, passbook page, or screenshot of',
      'a financial institution\'s account-list page. Return STRUCTURED',
      'JSON describing EVERY account you can read on the page — not just',
      'the largest one.',
      '',
      'CRITICAL RULES:',
      '- Respond with ONLY a JSON object, nothing else. No markdown,',
      '  no code fences, no commentary before or after the JSON.',
      '- The output is ALWAYS shaped { "accounts": [ … ] }. Even if only',
      '  one account is visible, wrap it in the array.',
      '- One array entry per distinct account. If a screenshot lists 4',
      '  accounts (e.g., a Navy Federal "Accounts" page with Checking,',
      '  Savings, Money Market, and a CD), return 4 entries — same',
      '  institution, different account_name, different last4, different',
      '  tax_wrapper_hint as appropriate.',
      '- If you cannot determine a field, use null. Never guess.',
      '- ALL dates in your output MUST be ISO 8601 (YYYY-MM-DD).',
      '- Numbers: use the document\'s native currency. Strip currency',
      '  symbols, commas, and Japanese 万 notation. Return raw numbers',
      '  (e.g., 1500000 not "¥1,500,000", "150万円" → 1500000).',
      '- Account numbers: return ONLY the last 4 digits.',
      '',
      'JAPANESE CALENDAR (和暦):',
      'If the document uses 和暦, convert: 令和N → 2018+N · 平成N → 1988+N',
      '· 昭和N → 1925+N. 令和元年 = 2019, 平成元年 = 1989.',
      '',
      'TREASURY-SPECIFIC FIELDS:',
      'For TreasuryDirect savings bonds, the page typically shows BOTH a',
      'face/purchase "Amount" and a "Current Value". Use Current Value as',
      'balance_native (the bond\'s present worth incl. accrued interest).',
      'For marketable Treasuries, use the current market/par value shown.',
      'Put the issue date and maturity date in notes_suggestion when',
      'visible (e.g., "Issued 2022-05-01, matures 2052-05-01, 3.12% rate").',
      '',
      'TAX WRAPPER TAXONOMY (use one of these exact IDs in tax_wrapper_hint).',
      'Pick by the account TYPE label on the document, not by institution.',
      'Bank-deposit accounts (checking / savings / money-market / CD) are',
      'NEVER taxable_brokerage — that wrapper is reserved for SECURITIES',
      'accounts (stocks / ETFs / mutual funds at Schwab, Fidelity, etc.).',
      '  traditional_ira         — Traditional / pre-tax IRA',
      '  traditional_401k_tsp    — Traditional 401(k), 403(b), TSP',
      '  roth_ira                — Roth IRA',
      '  roth_401k               — Roth 401(k) / Roth TSP',
      '  taxable_brokerage       — U.S. taxable SECURITIES brokerage (stocks / ETFs / mutual funds)',
      '  hsa                     — Health Savings Account',
      '  rsu_unvested            — Unvested RSU grants (employer equity portal)',
      '  nso_iso                 — NSO / ISO option grants',
      '  deferred_comp           — Deferred compensation (409A)',
      '  us_real_estate          — U.S. real estate (deed / appraisal)',
      '  us_checking             — U.S. bank/credit-union CHECKING (Navy Federal Flagship Checking, USAA Checking, etc.)',
      '  us_savings              — U.S. bank/credit-union SAVINGS or money-market savings (incl. NCUA share savings, jumbo MMA)',
      '  us_cd                   — U.S. bank/credit-union CERTIFICATE OF DEPOSIT / share certificate (any "Cert ___ Month" product)',
      '  us_savings_bond         — U.S. Treasury SAVINGS BOND held at TreasuryDirect: Series I, Series EE',
      '  us_treasury             — U.S. Treasury MARKETABLE security: T-Bill, T-Note, T-Bond, TIPS, FRN (auction-issued)',
      '  jp_savings              — Japan savings / 普通預金',
      '  jp_checking             — Japan checking / 当座預金',
      '  jp_fixed_deposit        — Japan time deposit / 定期 / 定額貯金',
      '  529                     — 529 college savings plan',
      '  other                   — anything else',
      '',
      'ALLOCATION HINT (optional, only when holdings are visible):',
      'If the document shows actual holdings (e.g., a brokerage page with',
      'fund tickers or a 401(k) page with "70% VTI / 20% VXUS / 10% BND"),',
      'fill allocation_hint with decimals 0-1 summing to 1.0 across the',
      'six classes: equity_us, equity_intl, bond, cash, real_estate,',
      'alternative. If no holdings are visible, return null and the tool',
      'will use a wrapper-based default. Do NOT guess from institution',
      'name alone — only fill when actual position data is on the page.',
      '',
      'OUTPUT SHAPE:',
      '{',
      '  "accounts": [',
      '    {',
      '      "institution":              string | null,   // e.g. "Navy Federal", "横浜銀行"',
      '      "account_name":             string | null,   // e.g. "Flagship Checking", "Jumbo MMA"',
      '      "country":                  "US" | "JP" | "OTHER" | null,',
      '      "currency":                 string | null,   // ISO code',
      '      "tax_wrapper_hint":         string | null,   // ID from taxonomy above',
      '      "balance_native":           number | null,   // balance in native currency',
      '      "basis_native":             number | null,   // cost basis if visible (taxable / RE only)',
      '      "as_of_date":               string | null,   // YYYY-MM-DD statement date',
      '      "account_number_last4":     string | null,   // last 4 digits only',
      '      "notes_suggestion":         string | null,   // e.g. dividend rate, maturity date',
      '      "allocation_hint":          { equity_us: number, equity_intl: number, bond: number, cash: number, real_estate: number, alternative: number } | null',
      '    },',
      '    …',
      '  ],',
      '  "page_kind":                "accounts_list" | "single_statement" | "passbook" | "screenshot" | "other",',
      '  "primary_index":            number | null         // index into accounts[] of the largest / most prominent account, or null if undetermined',
      '}',
      '',
      'Return JSON now.',
    ].join('\n');
  }

  async function callClaudeVisionForAssetExtraction(file, options) {
    if (!hasKey()) {
      throw new Error('No Claude API key set. Add one in Settings to enable document upload.');
    }
    if (!file) throw new Error('No file provided.');
    if (file.size > MAX_UPLOAD_BYTES) {
      throw new Error(`File too large (${(file.size / 1024 / 1024).toFixed(1)} MB). Limit is ${MAX_UPLOAD_BYTES / 1024 / 1024} MB.`);
    }
    const cls = classifyFile(file);
    if (!cls) throw new Error(`Unsupported file type: ${file.type || file.name}. Use PNG, JPG, WEBP, GIF, or PDF.`);

    const opts = options || {};
    const useModel = opts.model || getModel();
    const estimated = estimateCost(file);
    await checkConsent(opts.feature || 'asset_vision', {
      fileName: file.name, fileSize: file.size, file,
      estimatedCostUsd: estimated ? estimated.approxUsd : null,
    });
    enforceDailyLimit(estimated ? estimated.approxUsd : 0);

    const { mediaType, data } = await fileToBase64(file);
    const sourceBlock = cls === 'pdf'
      ? { type: 'document', source: { type: 'base64', media_type: 'application/pdf', data } }
      : { type: 'image',    source: { type: 'base64', media_type: mediaType, data } };

    const body = {
      model: useModel,
      max_tokens: opts.maxTokens || 2048,
      temperature: opts.temperature == null ? 0.2 : opts.temperature,
      messages: [{
        role: 'user',
        content: [sourceBlock, { type: 'text', text: buildAssetExtractionPrompt(opts) }],
      }],
    };

    const res = await fetch(API_URL, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'x-api-key': getApiKey(),
        'anthropic-version': ANTHROPIC_VERSION,
        'anthropic-dangerous-direct-browser-access': 'true',
      },
      body: JSON.stringify(body),
    });

    if (!res.ok) {
      const errText = await res.text();
      throw new Error(`Claude API error ${res.status}: ${errText}`);
    }

    const json = await res.json();
    if (json && json.usage) recordUsage(json.model || useModel, json.usage, opts.feature || 'asset_vision');
    const text = (json.content || [])
      .map((c) => c.type === 'text' ? c.text : '')
      .join('');
    const parsed = parseJsonFromResponse(text);

    return {
      extracted: parsed,
      raw: text,
      usage: json.usage,
      model: json.model,
      cost_usd: json.usage ? computeCost(json.model || useModel, json.usage.input_tokens, json.usage.output_tokens) : 0,
    };
  }

  // ====================================================================
  // DOCUMENT EXTRACTION (vision)
  // ====================================================================
  //
  // callClaudeVisionForDocumentExtraction(file, options)
  //   file: PNG/JPG/WEBP/GIF/PDF
  //   options.expected_type: optional hint ('passport_us', 'will', etc.)
  //
  // Returns a parsed metadata object — NOT the file, NOT a transcription.
  // Only the small set of fields we care about for inventory + expiry
  // tracking. Asks the model to recognize document type and pick the
  // right extraction shape.

  function buildDocumentExtractionPrompt(opts) {
    const hint = opts && opts.expected_type
      ? '\nThe user expects this to be a "' + opts.expected_type + '" — verify and correct if wrong.'
      : '';
    return [
      'You are a document-inventory assistant. The user uploads a photo',
      'or scan of an important document (passport, drivers license,',
      'residence card, will, deed, tax return, etc.) and you extract',
      'just enough metadata to track it in an inventory + expiry calendar.',
      hint,
      '',
      'CRITICAL RULES:',
      '- Respond with ONLY a JSON object, nothing else. No markdown,',
      '  no code fences, no commentary before or after.',
      '- If you cannot determine a field, use null. Never guess.',
      '- ALL dates: ISO 8601 (YYYY-MM-DD).',
      '- For Japanese dates in 和暦, convert: 令和N → 2018+N · 平成N → 1988+N · 昭和N → 1925+N.',
      '- Reference numbers: return ONLY the LAST 4 digits/chars for privacy.',
      '- DO NOT transcribe the document content. Do not return passport',
      '  numbers, SSNs, full account numbers, or any other PII beyond',
      '  what\'s explicitly requested.',
      '',
      'DOCUMENT TYPE TAXONOMY (use one of these in document_type):',
      '  passport_us, passport_jp, passport_other,',
      '  drivers_license_us, drivers_license_jp, drivers_license_intl,',
      '  residence_card_jp (在留カード), my_number_card_jp (マイナンバーカード),',
      '  ssn_card, naturalization_cert, green_card,',
      '  visa, dd214, military_id, sofa_orders,',
      '  birth_cert, marriage_cert, divorce_decree,',
      '  will, trust_doc, poa, advance_directive,',
      '  property_deed, mortgage_doc, vehicle_title,',
      '  insurance_health, insurance_life, insurance_auto, insurance_home,',
      '  tax_return_us, tax_return_jp, fbar_confirmation, w2, ten99,',
      '  beneficiary_designation, employment_contract,',
      '  vaccination_record, medical_record,',
      '  other',
      '',
      'CATEGORY (use one of these in category):',
      '  identification | immigration | family | military_sofa |',
      '  estate | property | insurance | tax | medical | legal | other',
      '',
      'OUTPUT SHAPE (return EXACTLY these keys, nullable):',
      '{',
      '  "document_type":           string | null,    // ID from taxonomy',
      '  "category":                string | null,    // category from list',
      '  "title":                   string | null,    // human-readable, e.g. "US Passport"',
      '  "person_name":             string | null,    // full name as printed',
      '  "issuing_authority":       string | null,    // e.g. "US Dept of State", "東京都公安委員会"',
      '  "issue_date":              string | null,    // YYYY-MM-DD',
      '  "expiry_date":             string | null,    // YYYY-MM-DD or null if no expiry',
      '  "reference_number_last4":  string | null,    // last 4 digits/chars only',
      '  "notes_suggestion":        string | null     // 1-2 sentences worth saving',
      '}',
      '',
      'Return JSON now.',
    ].join('\n');
  }

  async function callClaudeVisionForDocumentExtraction(file, options) {
    if (!hasKey()) throw new Error('No Claude API key set.');
    if (!file) throw new Error('No file provided.');
    if (file.size > MAX_UPLOAD_BYTES) {
      throw new Error('File too large (' + (file.size / 1024 / 1024).toFixed(1) + ' MB). Limit ' + (MAX_UPLOAD_BYTES / 1024 / 1024) + ' MB.');
    }
    const cls = classifyFile(file);
    if (!cls) throw new Error('Unsupported file type: ' + (file.type || file.name));
    const opts = options || {};
    const useModel = opts.model || getModel();
    const estimated = estimateCost(file);
    await checkConsent(opts.feature || 'document_vision', {
      fileName: file.name, fileSize: file.size, file,
      estimatedCostUsd: estimated ? estimated.approxUsd : null,
    });
    enforceDailyLimit(estimated ? estimated.approxUsd : 0);

    const { mediaType, data } = await fileToBase64(file);
    const sourceBlock = cls === 'pdf'
      ? { type: 'document', source: { type: 'base64', media_type: 'application/pdf', data } }
      : { type: 'image',    source: { type: 'base64', media_type: mediaType, data } };

    const body = {
      model: useModel,
      max_tokens: opts.maxTokens || 1024,
      temperature: opts.temperature == null ? 0.2 : opts.temperature,
      messages: [{
        role: 'user',
        content: [sourceBlock, { type: 'text', text: buildDocumentExtractionPrompt(opts) }],
      }],
    };

    const res = await fetch(API_URL, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'x-api-key': getApiKey(),
        'anthropic-version': ANTHROPIC_VERSION,
        'anthropic-dangerous-direct-browser-access': 'true',
      },
      body: JSON.stringify(body),
    });
    if (!res.ok) throw new Error('Claude API ' + res.status + ': ' + await res.text());
    const json = await res.json();
    if (json && json.usage) recordUsage(json.model || useModel, json.usage, opts.feature || 'document_vision');
    const text = (json.content || []).map((c) => c.type === 'text' ? c.text : '').join('');
    const parsed = parseJsonFromResponse(text);
    return {
      extracted: parsed,
      raw: text,
      usage: json.usage,
      model: json.model,
      cost_usd: json.usage ? computeCost(json.model || useModel, json.usage.input_tokens, json.usage.output_tokens) : 0,
    };
  }

  // ====================================================================
  // MEDICAL EXAM / LAB RESULTS EXTRACTION (vision)
  // ====================================================================
  //
  // callClaudeVisionForMedicalExtraction(file, options)
  //   file:    File object (PNG/JPG/WEBP/GIF/PDF — same as other vision)
  //   options.expected_type: 'blood_panel' | 'imaging' | 'physical' |
  //                          'specialist' | 'other' (hint, not required)
  //
  // Returns the same envelope as other vision extractors:
  //   { extracted, raw, usage, model, cost_usd }
  //
  // The extracted JSON shape:
  //   {
  //     exam_type, date, provider, facility,
  //     vitals: { weight_kg, height_cm, bp_systolic, bp_diastolic,
  //               heart_rate_bpm, temp_c, respiratory_rate, spo2_pct },
  //     lab_results: [{ name, value (number), unit, range_low, range_high,
  //                     flag ('normal'|'low'|'high'|'critical') }],
  //     diagnoses: [string],
  //     procedures: [string],
  //     followup: string,
  //     summary: short plain-text summary of notable findings
  //   }
  //
  // Privacy: this is an explicit user-initiated upload like the existing
  // vision flows. The image is held in memory only, never persisted,
  // and runs through the same consent gate. Feature id is
  // 'medical_vision' so it can be allowed/denied independently of
  // FBAR / asset / document vision.

  function buildMedicalExtractionPrompt(opts) {
    const hint = opts && opts.expected_type
      ? '\nThe user expects this to be a "' + opts.expected_type + '" — verify and correct if wrong.'
      : '';
    return [
      'You are a medical-record extraction assistant. The user uploads a',
      'photo or scan of a medical exam result, lab report, or clinical',
      'summary, and you extract structured data so they can track it over',
      'time in a personal health tracker.',
      hint,
      '',
      'CRITICAL RULES:',
      '- Output ONLY a JSON object. No markdown, no commentary.',
      '- DO NOT invent values. If a field is not visible or not present,',
      '  set it to null (or omit it from lab_results / arrays entirely).',
      '- For lab values: extract the numeric value as a NUMBER, not a',
      '  string. Preserve the unit exactly as written (mg/dL, mmol/L,',
      '  g/dL, %, etc.). Capture reference range when present.',
      '- For the "flag" field: derive from the value vs. range. Use',
      '  "normal" when within range, "low" / "high" when out, "critical"',
      '  when the report itself flags it as critical / urgent / panic',
      '  value. Do NOT flag based on absolute thresholds — only on the',
      '  per-report reference range.',
      '- Dates: convert to YYYY-MM-DD (ISO 8601). Handle 和暦 (令和/平成)',
      '  by converting to the Western year first. If the report has only',
      '  a draw date and a result date, prefer the DRAW date.',
      '- Weights/heights: convert lbs → kg (1 lb = 0.4536 kg) and in/ft',
      '  → cm (1 in = 2.54 cm). Always store metric.',
      '- Vitals: only include keys with values. Omit keys you can\'t see.',
      '- diagnoses / procedures: extract only what is explicitly stated.',
      '  Do not infer diagnoses from lab values.',
      '- summary: a short 1-3 sentence plain-text observation about',
      '  notable findings (e.g., "A1C 5.4% — within normal range. LDL',
      '  138 mg/dL — slightly elevated. Vitamin D 22 ng/mL — low."). No',
      '  recommendations or medical advice; just the facts.',
      '',
      'OUTPUT SHAPE:',
      '{',
      '  "exam_type": "physical"|"blood_panel"|"imaging"|"specialist"|"procedure"|"surgery"|"screening"|"dental"|"vaccination"|"mental_health"|"emergency"|"telehealth"|"follow_up"|"other"|null,',
      '      // "procedure" = colonoscopy / endoscopy / EGD / biopsy /',
      '      //   minor procedure with a procedure-report document.',
      '      // "surgery" = operative report / surgical procedure.',
      '      // "screening" = standalone preventive screening visit',
      '      //   (mammogram, DEXA, AAA screen) where the document is',
      '      //   primarily a screening result, not imaging in general.',
      '      // "specialist" = office consult / specialist evaluation.',
      '      // Reserve "other" for things you genuinely can\'t classify —',
      '      // do NOT use it as a default when one of the above fits.',
      '  "date": "YYYY-MM-DD"|null,',
      '  "provider": "ordering physician"|null,',
      '  "facility": "lab / clinic name"|null,',
      '  "vitals": {',
      '    "weight_kg": number|null, "height_cm": number|null,',
      '    "bp_systolic": number|null, "bp_diastolic": number|null,',
      '    "heart_rate_bpm": number|null, "temp_c": number|null,',
      '    "respiratory_rate": number|null, "spo2_pct": number|null',
      '  },',
      '  "lab_results": [',
      '    { "name": "Hemoglobin A1C", "value": 5.4, "unit": "%",',
      '      "range_low": 4.0, "range_high": 5.6, "flag": "normal" },',
      '    ...',
      '  ],',
      '  "diagnoses": [ "string" ],',
      '  "procedures": [ "string" ],',
      '  "followup": "string"|null,',
      '  "summary": "string"|null',
      '}',
      '',
      'Return JSON only.',
    ].join('\n');
  }

  async function callClaudeVisionForMedicalExtraction(file, options) {
    if (!hasKey()) throw new Error('No Claude API key set.');
    if (!file) throw new Error('No file provided.');
    if (file.size > MAX_UPLOAD_BYTES) {
      throw new Error('File too large (' + (file.size / 1024 / 1024).toFixed(1) + ' MB). Limit ' + (MAX_UPLOAD_BYTES / 1024 / 1024) + ' MB.');
    }
    const cls = classifyFile(file);
    if (!cls) throw new Error('Unsupported file type: ' + (file.type || file.name));
    const opts = options || {};
    const useModel = opts.model || getModel();
    const estimated = estimateCost(file);
    await checkConsent(opts.feature || 'medical_vision', {
      fileName: file.name, fileSize: file.size, file,
      estimatedCostUsd: estimated ? estimated.approxUsd : null,
    });
    enforceDailyLimit(estimated ? estimated.approxUsd : 0);

    const { mediaType, data } = await fileToBase64(file);
    const sourceBlock = cls === 'pdf'
      ? { type: 'document', source: { type: 'base64', media_type: 'application/pdf', data } }
      : { type: 'image',    source: { type: 'base64', media_type: mediaType, data } };

    const body = {
      model: useModel,
      max_tokens: opts.maxTokens || 4096,
      temperature: opts.temperature == null ? 0.1 : opts.temperature,
      messages: [{
        role: 'user',
        content: [sourceBlock, { type: 'text', text: buildMedicalExtractionPrompt(opts) }],
      }],
    };

    const res = await fetch(API_URL, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'x-api-key': getApiKey(),
        'anthropic-version': ANTHROPIC_VERSION,
        'anthropic-dangerous-direct-browser-access': 'true',
      },
      body: JSON.stringify(body),
    });
    if (!res.ok) throw new Error('Claude API ' + res.status + ': ' + await res.text());
    const json = await res.json();
    if (json && json.usage) recordUsage(json.model || useModel, json.usage, opts.feature || 'medical_vision');
    const text = (json.content || []).map((c) => c.type === 'text' ? c.text : '').join('');
    const parsed = parseJsonFromResponse(text);
    return {
      extracted: parsed,
      raw: text,
      usage: json.usage,
      model: json.model,
      cost_usd: json.usage ? computeCost(json.model || useModel, json.usage.input_tokens, json.usage.output_tokens) : 0,
    };
  }

  // ====================================================================
  // MEDICAL INVOICE EXTRACTION (vision)
  // ====================================================================
  //
  // callClaudeVisionForInvoiceExtraction(file, options)
  //   file:    File object (PNG/JPG/WEBP/GIF/PDF)
  //   options: { feature? }
  //
  // Extracts billing/receipt metadata: date, provider, facility, amount,
  // currency, type, paid status, services rendered. Used by the Health
  // Tracker's "Import invoice (AI)" flow to auto-populate invoice
  // records + suggest auto-linking to existing exams/episodes by date
  // and provider matching.
  //
  // Uses the same `medical_vision` consent feature as exam extraction —
  // a separate `invoice_vision` feature would just clutter the consent
  // grid without giving meaningful additional control (both are
  // medical-records vision flows).

  function buildInvoiceExtractionPrompt() {
    return [
      'You are an invoice/receipt extraction assistant. The user uploads',
      'a photo or scan of a medical bill, receipt, or insurance EOB and',
      'you extract structured metadata so they can track healthcare',
      'spending and link the invoice to the related visit/episode.',
      '',
      'CRITICAL RULES:',
      '- Output ONLY a JSON object. No markdown, no commentary.',
      '- DO NOT invent values. If a field is not visible or unclear,',
      '  set it to null.',
      '- Amount: extract the TOTAL DUE (or total paid) as a NUMBER, not',
      '  a string. If there are multiple line items, capture the grand',
      '  total. If only an amount is shown without explicit total,',
      '  use that.',
      '- Currency: ISO 4217 code. JPY for 円 / ¥ / Japanese yen.',
      '  USD for $ when context is US-based. EUR for €. GBP for £.',
      '  Be conservative — when ambiguous (e.g., bare $ in a JP context),',
      '  prefer the symbol\'s default but flag uncertainty in notes.',
      '- Numeric format hint: JPY values rarely have decimals; USD/EUR',
      '  almost always do. A "1,234" value in a JP receipt is probably',
      '  JPY ¥1,234, not USD $1,234.',
      '- Dates: convert to YYYY-MM-DD. Handle 和暦 (令和/平成) by',
      '  converting to Western year first. When a "service date" and',
      '  "billing date" differ, prefer the SERVICE DATE (the appointment',
      '  / procedure date) — that\'s what we use to link to exams.',
      '- Type: classify into one of: "visit" (office visit / consult),',
      '  "lab" (blood draw / pathology), "procedure" (colonoscopy /',
      '  surgery / minor procedure), "rx" (prescription / pharmacy),',
      '  "imaging" (X-ray / MRI / CT / ultrasound), "er" (emergency /',
      '  urgent care), "dental", or "other". Make a best guess from',
      '  the line items + facility name.',
      '- Paid status: true when receipt clearly shows "PAID" or "Balance:',
      '  $0" or "支払済"; false when bill shows balance due. When',
      '  unclear, leave null.',
      '- Services summary: 1-2 sentence plain-text summary of what was',
      '  billed for. Helps the user identify the invoice later.',
      '- Medications: when the document is a pharmacy receipt, an RX',
      '  invoice, or otherwise lists prescribed/dispensed drugs as line',
      '  items, extract each drug into the "medications" array. Skip',
      '  OTC items unless the document explicitly bills them as a',
      '  prescription. For each medication, capture name, dosage as a',
      '  NUMBER, dosage_unit (mg/mcg/g/mL/units/IU/puff), frequency',
      '  (e.g., "2x daily", "every 6h", "once before procedure"), and',
      '  the prescription instruction text when visible. Common JP',
      '  pharmacy formats list drugs as "薬品名 用量 用法" — parse',
      '  these. When the document is clearly not pharmacy/RX (e.g., a',
      '  hospital procedure bill, lab invoice), leave medications as []',
      '  even if drug names appear in service descriptions — we only',
      '  want actual prescribed/dispensed items.',
      '',
      'OUTPUT SHAPE:',
      '{',
      '  "date": "YYYY-MM-DD"|null,         // service date if available',
      '  "billing_date": "YYYY-MM-DD"|null, // when bill was issued (if different)',
      '  "provider": "string"|null,         // clinic / hospital / lab / pharmacy name (most comprehensive form available)',
      '  // ALWAYS extract BOTH languages when both appear on the bill —',
      '  // JP medical/dental bills almost always print the clinic name in',
      '  // Japanese AND sometimes also Romanized/English. Capture each',
      '  // separately so the host app can store them as parallel fields.',
      '  "provider_name_en": "string"|null,',
      '  "provider_name_jp": "string"|null,',
      '  "provider_phone": "string"|null,   // phone printed on receipt header',
      '  "provider_address": "string"|null, // address printed on receipt header',
      '  "facility": "string"|null,         // location / branch name if different',
      '  "amount": number|null,              // total due or paid (NUMBER)',
      '  "currency": "USD"|"JPY"|"EUR"|"GBP"|"CAD"|"AUD"|"CHF"|null,',
      '  "type": "visit"|"lab"|"procedure"|"rx"|"imaging"|"er"|"dental"|"other"|null,',
      '  "paid": true|false|null,',
      '  "summary": "string"|null,           // 1-2 sentence services summary',
      '  "notes": "string"|null,             // anything else worth keeping (CPT codes, insurance info, line-item list)',
      '  "medications": [                    // empty array when no rx/pharmacy items',
      '    {',
      '      "name": "string",               // brand name as printed (e.g., "Lipitor", "ニフレック")',
      '      "generic_name": "string"|null,  // generic / chemical name when shown (e.g., "atorvastatin", "polyethylene glycol")',
      '      "dosage": number|null,          // numeric dose (e.g., 20, 0.5)',
      '      "dosage_unit": "mg"|"mcg"|"g"|"mL"|"units"|"IU"|"puff"|null,',
      '      "frequency": "string"|null,     // dosing instructions (e.g., "1 tab nightly", "2x daily", "once before procedure")',
      '      "quantity": number|null,        // total quantity dispensed when shown (e.g., 30 tablets)',
      '      "instructions": "string"|null   // any additional sig / instruction text printed on the receipt',
      '    }',
      '  ]',
      '}',
      '',
      'Return JSON only.',
    ].join('\n');
  }

  async function callClaudeVisionForInvoiceExtraction(file, options) {
    if (!hasKey()) throw new Error('No Claude API key set.');
    if (!file) throw new Error('No file provided.');
    if (file.size > MAX_UPLOAD_BYTES) {
      throw new Error('File too large (' + (file.size / 1024 / 1024).toFixed(1) + ' MB). Limit ' + (MAX_UPLOAD_BYTES / 1024 / 1024) + ' MB.');
    }
    const cls = classifyFile(file);
    if (!cls) throw new Error('Unsupported file type: ' + (file.type || file.name));
    const opts = options || {};
    const useModel = opts.model || getModel();
    const estimated = estimateCost(file);
    await checkConsent(opts.feature || 'medical_vision', {
      fileName: file.name, fileSize: file.size, file,
      estimatedCostUsd: estimated ? estimated.approxUsd : null,
    });
    enforceDailyLimit(estimated ? estimated.approxUsd : 0);

    const { mediaType, data } = await fileToBase64(file);
    const sourceBlock = cls === 'pdf'
      ? { type: 'document', source: { type: 'base64', media_type: 'application/pdf', data } }
      : { type: 'image',    source: { type: 'base64', media_type: mediaType, data } };

    const body = {
      model: useModel,
      max_tokens: opts.maxTokens || 2048,
      temperature: opts.temperature == null ? 0.1 : opts.temperature,
      messages: [{
        role: 'user',
        content: [sourceBlock, { type: 'text', text: buildInvoiceExtractionPrompt() }],
      }],
    };

    const res = await fetch(API_URL, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'x-api-key': getApiKey(),
        'anthropic-version': ANTHROPIC_VERSION,
        'anthropic-dangerous-direct-browser-access': 'true',
      },
      body: JSON.stringify(body),
    });
    if (!res.ok) throw new Error('Claude API ' + res.status + ': ' + await res.text());
    const json = await res.json();
    if (json && json.usage) recordUsage(json.model || useModel, json.usage, opts.feature || 'medical_vision');
    const text = (json.content || []).map((c) => c.type === 'text' ? c.text : '').join('');
    const parsed = parseJsonFromResponse(text);
    return {
      extracted: parsed,
      raw: text,
      usage: json.usage,
      model: json.model,
      cost_usd: json.usage ? computeCost(json.model || useModel, json.usage.input_tokens, json.usage.output_tokens) : 0,
    };
  }

  // ====================================================================
  // DENTAL EXAM EXTRACTION (vision)
  // ====================================================================
  //
  // callClaudeVisionForDentalExtraction(file, options)
  //   • Mirrors the medical-extraction prompt but specialized for
  //     dental records (Japanese 歯科 reports and US dental records).
  //   • Extracts: per-tooth findings, treatment-history procedures
  //     (with JP insurance codes + Japanese names), periodontal stats,
  //     provider info, recommendations + action items, billing.
  //   • Uses `medical_vision` consent (same flow as medical exams).

  function buildDentalExtractionPrompt() {
    return [
      'You are a dental-record extraction assistant. The user uploads',
      'a dental exam report, periodontal chart, or treatment receipt',
      '(Japanese 歯科 or US dental) and you produce structured data so',
      'their personal Health Tracker dental tab can populate cleanly.',
      '',
      'CRITICAL RULES:',
      '- Output ONLY a JSON object. No markdown, no commentary.',
      '- DO NOT invent values. Null when not visible.',
      '- Universal numbering = 1-32 (US/world standard).',
      '  FDI numbering = quadrant.position (e.g., 16 = upper right',
      '  first molar = Universal #3). When you see FDI numbers like',
      '  "16" or "26", convert to Universal in the output. Map:',
      '    11=8, 12=7, 13=6, 14=5, 15=4, 16=3, 17=2, 18=1,',
      '    21=9, 22=10, 23=11, 24=12, 25=13, 26=14, 27=15, 28=16,',
      '    31=24, 32=23, 33=22, 34=21, 35=20, 36=19, 37=18, 38=17,',
      '    41=25, 42=26, 43=27, 44=28, 45=29, 46=30, 47=31, 48=32',
      '- Dates: YYYY-MM-DD. Handle 和暦 (令和/平成) → Western year.',
      '- Currency: most JP dental bills are in JPY (¥). US dental in USD.',
      '- For "points" — Japanese 健康保険 insurance reports treatments in',
      '  point values (1 point = ¥10 typically). Capture both points',
      '  and the yen cost when both visible.',
      '',
      'OUTPUT SHAPE:',
      '{',
      '  "is_dental": true|false,            // is this actually a dental document?',
      '  "exam_date": "YYYY-MM-DD"|null,',
      '  "provider": {',
      '    // ALWAYS try to extract BOTH the English and Japanese clinic',
      '    // names when both appear on the document — these often coexist',
      '    // on JP clinic letterheads (e.g., "Sakura Dental Clinic" +',
      '    // "さくら歯科"). Leave the other null only when truly only',
      '    // one language is printed. Strip parenthetical Romanized',
      '    // pronunciations when the dominant text is already in that',
      '    // language.',
      '    "name_en": "string"|null,',
      '    "name_jp": "string"|null,',
      '    "type": "string"|null,            // e.g., "Orthodontics", "General"',
      '    "address": "string"|null,',
      '    "phone": "string"|null',
      '  },',
      '  "teeth": [                          // only for teeth with findings — natural teeth not listed are assumed normal',
      '    {',
      '      "uni": 14,                      // Universal number',
      '      "status": "natural"|"filling"|"crown"|"bridge"|"implant"|"rct"|"missing"|null,',
      '      "has_pocket": true|false|null,  // pocket depth ≥ 4mm',
      '      "has_bleeding": true|false|null,',
      '      "is_mobile": true|false|null,',
      '      "has_cavity": true|false|null,  // active caries identified',
      '      "needs_treatment": true|false|null,  // flagged for treatment by clinician',
      '      "needs_observation": true|false|null, // flagged for monitoring',
      '      "pocket_max_mm": number|null,',
      '      "notes": "string"|null',
      '    }',
      '  ],',
      '  "periodontal": {',
      '    "pockets_4mm_pct": number|null,   // % of sites at ≥4mm',
      '    "bleeding_on_probing_pct": number|null,',
      '    "mobile_teeth": number|null,',
      '    // Pocket depth distribution (when explicitly shown):',
      '    "pocket_dist_healthy_pct": number|null,  // 1–3 mm range',
      '    "pocket_dist_mild_pct": number|null,     // 4–6 mm range',
      '    "pocket_dist_severe_pct": number|null    // 7+ mm range',
      '  },',
      '  // Aggregate counts for chart badges (when stated as summary',
      '  // counts on the doc, e.g., "Cavities: 0, Requires treatment: 0"):',
      '  "treatment_summary": {',
      '    "cavities": number|null,         // teeth with active caries',
      '    "needs_treatment": number|null,  // teeth flagged for tx',
      '    "needs_observation": number|null // teeth flagged for monitoring',
      '  },',
      '  "procedures": [                     // every billable line item',
      '    {',
      '      "name_en": "string"|null,',
      '      "name_jp": "string"|null,       // e.g., "scaling (SC)", "歯周基本検査"',
      '      "code": "string"|null,          // JP insurance code (P基検, SC, 初診, etc.) or CDT/ADA code (US)',
      '      "cost": number|null,            // local-currency amount (¥ or $)',
      '      "currency": "JPY"|"USD"|"EUR"|"GBP"|null,',
      '      "points": number|null,          // JP insurance points',
      '      "qty": number|null,',
      '      "tooth_numbers": [number]|null  // Universal numbers when procedure was tooth-specific',
      '    }',
      '  ],',
      '  "findings": "string"|null,          // factual narrative of what the exam observed (teeth counts, lab values, status)',
      '  "clinical_interpretation": "string"|null,  // clinician\'s analysis of what the findings mean (significance, context, drivers — separate from raw findings)',
      '  "recommendations": "string"|null,   // clinician\'s recommendations (newline-separated bullets ok)',
      '  "action_items": [ "string" ]|null,  // discrete follow-up actions for the patient',
      '  "next_appointment": "string"|null,  // FUTURE appointment ONLY. If the document shows the same',
      '                                       // date+time as the exam itself (typical "Next appointment"',
      '                                       // placeholder that\'s actually the current visit), set null.',
      '                                       // Format: YYYY-MM-DD or YYYY-MM-DDThh:mm or descriptive text.',
      '  "billing": {',
      '    "patient_paid": number|null,      // out-of-pocket amount this visit',
      '    "insurance": number|null,         // insurance/SHI covered',
      '    "total": number|null,             // total billed',
      '    "currency": "JPY"|"USD"|"EUR"|"GBP"|null,',
      '    "burden_ratio": "string"|null,    // JP cost share ratio ("3割","1割","10割") when visible',
      '    "receipt_no": "string"|null',
      '  }',
      '}',
      '',
      'Return JSON only.',
    ].join('\n');
  }

  async function callClaudeVisionForDentalExtraction(file, options) {
    if (!hasKey()) throw new Error('No Claude API key set.');
    if (!file) throw new Error('No file provided.');
    if (file.size > MAX_UPLOAD_BYTES) {
      throw new Error('File too large (' + (file.size / 1024 / 1024).toFixed(1) + ' MB). Limit ' + (MAX_UPLOAD_BYTES / 1024 / 1024) + ' MB.');
    }
    const cls = classifyFile(file);
    if (!cls) throw new Error('Unsupported file type: ' + (file.type || file.name));
    const opts = options || {};
    const useModel = opts.model || getModel();
    const estimated = estimateCost(file);
    await checkConsent(opts.feature || 'medical_vision', {
      fileName: file.name, fileSize: file.size, file,
      estimatedCostUsd: estimated ? estimated.approxUsd : null,
    });
    enforceDailyLimit(estimated ? estimated.approxUsd : 0);

    const { mediaType, data } = await fileToBase64(file);
    const sourceBlock = cls === 'pdf'
      ? { type: 'document', source: { type: 'base64', media_type: 'application/pdf', data } }
      : { type: 'image',    source: { type: 'base64', media_type: mediaType, data } };

    const body = {
      model: useModel,
      max_tokens: opts.maxTokens || 4096,
      temperature: opts.temperature == null ? 0.1 : opts.temperature,
      messages: [{
        role: 'user',
        content: [sourceBlock, { type: 'text', text: buildDentalExtractionPrompt() }],
      }],
    };

    const res = await fetch(API_URL, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'x-api-key': getApiKey(),
        'anthropic-version': ANTHROPIC_VERSION,
        'anthropic-dangerous-direct-browser-access': 'true',
      },
      body: JSON.stringify(body),
    });
    if (!res.ok) throw new Error('Claude API ' + res.status + ': ' + await res.text());
    const json = await res.json();
    if (json && json.usage) recordUsage(json.model || useModel, json.usage, opts.feature || 'medical_vision');
    const text = (json.content || []).map((c) => c.type === 'text' ? c.text : '').join('');
    const parsed = parseJsonFromResponse(text);
    return {
      extracted: parsed,
      raw: text,
      usage: json.usage,
      model: json.model,
      cost_usd: json.usage ? computeCost(json.model || useModel, json.usage.input_tokens, json.usage.output_tokens) : 0,
    };
  }

  // ====================================================================
  // LAB DESCRIPTIONS (educational reference, no PHI)
  // ====================================================================
  //
  // callClaudeForLabDescriptions(testNames, options)
  //   testNames: string[]   — list of lab test names to describe
  //   options:   { feature? }
  //
  // Generates EN+JP educational descriptions for lab tests not in our
  // built-in LAB_INFO table. NO PHI sent — only the test names. Used by
  // the Health Tracker to fill in info popovers for any test the user
  // imports that we don't already have a description for.
  //
  // Uses `ask_taigan` consent because the data flow matches: text-only
  // request, educational output, no document upload.

  async function callClaudeForLabDescriptions(testNames, options) {
    if (!hasKey()) throw new Error('No Claude API key set.');
    if (!Array.isArray(testNames) || testNames.length === 0) {
      return { descriptions: {}, cost_usd: 0 };
    }
    const opts = options || {};
    const useModel = opts.model || getModel();
    await checkConsent(opts.feature || 'ask_taigan', {
      tests: testNames,
      estimatedCostUsd: 0.01 * testNames.length,
    });

    const prompt = [
      'You are a medical-lab reference assistant. The user pastes a list',
      'of lab test names and you return short structured descriptions',
      'for each, suitable for an educational hover-popover in a personal',
      'health-tracking app.',
      '',
      'CRITICAL RULES:',
      '- Output ONLY a JSON object. No markdown, no commentary.',
      '- For each test, provide both English ("en") and Japanese ("jp").',
      '- Each language object: { "what": "...", "why": "...",',
      '  "high": "..."|null, "low": "..."|null }.',
      '  • what:  one sentence — what the test measures',
      '  • why:   one or two sentences — clinical significance',
      '  • high:  optional — common implications of high values',
      '  • low:   optional — common implications of low values',
      '- Keep each section concise (1-2 sentences). Plain English',
      '  (and natural Japanese), not clinical jargon.',
      '- If you don\'t reliably recognize a test name, set "what" to a',
      '  short honest fallback such as "Custom or specialty lab test —',
      '  refer to your lab report or doctor for details" and set the',
      '  other fields to null. Do NOT invent.',
      '- Use the EXACT test name string as the key in the output object.',
      '',
      'TESTS TO DESCRIBE:',
      JSON.stringify(testNames),
      '',
      'OUTPUT SHAPE:',
      '{',
      '  "Test Name 1": {',
      '    "en": { "what": "...", "why": "...", "high": "..."|null, "low": "..."|null },',
      '    "jp": { "what": "...", "why": "...", "high": "..."|null, "low": "..."|null }',
      '  },',
      '  ...',
      '}',
      '',
      'Return JSON only.',
    ].join('\n');

    const body = {
      model: useModel,
      max_tokens: Math.min(4096, 300 + 250 * testNames.length),
      temperature: opts.temperature == null ? 0.2 : opts.temperature,
      messages: [{ role: 'user', content: prompt }],
    };

    const res = await fetch(API_URL, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'x-api-key': getApiKey(),
        'anthropic-version': ANTHROPIC_VERSION,
        'anthropic-dangerous-direct-browser-access': 'true',
      },
      body: JSON.stringify(body),
    });
    if (!res.ok) throw new Error('Claude API ' + res.status + ': ' + await res.text());
    const json = await res.json();
    if (json && json.usage) recordUsage(json.model || useModel, json.usage, opts.feature || 'ask_taigan');
    const text = (json.content || []).map((c) => c.type === 'text' ? c.text : '').join('');
    const parsed = parseJsonFromResponse(text);
    return {
      descriptions: parsed || {},
      raw: text,
      usage: json.usage,
      model: json.model,
      cost_usd: json.usage ? computeCost(json.model || useModel, json.usage.input_tokens, json.usage.output_tokens) : 0,
    };
  }

  // ====================================================================
  // INSURANCE CARD EXTRACTION (vision)
  // ====================================================================
  //
  // callClaudeVisionForInsuranceCard(file, options)
  //   file:    File object (PNG/JPG/WEBP/GIF/PDF)
  //   options: { feature? }
  //
  // Extracts metadata from a health-insurance card image/PDF: insurer,
  // plan name, network type, member ID (LAST 4 ONLY for privacy),
  // group/policy number, BIN/PCN/Rx group (pharmacy), customer-service
  // phone, PCP info if printed on card, effective/expiry dates.
  //
  // Privacy posture: prompt explicitly instructs Claude to NEVER return
  // the full member ID — only the last 4 digits. Stored values stay
  // out of the persisted JSON in full form.
  //
  // Uses `medical_vision` consent (same as lab/exam imports).

  function buildInsuranceCardExtractionPrompt() {
    return [
      'You are a medical-insurance-card extraction assistant. The user',
      'uploads a photo or scan of their health insurance card (front,',
      'back, or both) and you extract structured metadata so they can',
      'have a quick-reference summary in case of emergency.',
      '',
      'PRIVACY-FIRST RULES (mandatory):',
      '- Output ONLY a JSON object. No markdown, no commentary.',
      '- Member ID: return ONLY the last 4 digits as a string. NEVER',
      '  return the full member ID even if you can read it. If the card',
      '  shows a 9-digit ID like "U12345678", return "5678". This is',
      '  for personal-record convenience only; full ID stays out of the',
      '  app for security.',
      '- Group number: similar treatment — last 4 digits only when it',
      '  looks like a sensitive identifier; full string only when it\'s',
      '  a short non-sensitive group code (≤ 6 chars total).',
      '',
      'EXTRACTION RULES:',
      '- DO NOT invent values. If a field is not visible or unclear,',
      '  set it to null.',
      '- Insurer: the issuing company (e.g., "CIGNA International",',
      '  "BCBS Federal", "Sony Bank 健保", "国民健康保険"). Strip',
      '  promotional taglines, keep the legal entity name.',
      '- Plan name: the product/plan tier if visible on the card',
      '  (e.g., "Open Access Plus", "PPO Federal", "選択 KENPO").',
      '- Network type: classify into one of: "PPO", "HMO", "EPO",',
      '  "POS", "HDHP", "FEHB", "TRICARE", "Medicare", "Medicaid",',
      '  "international", "NHI" (国民健康保険), "SHI" (社会保険), or',
      '  "other". Best guess from visible text.',
      '- Coverage type: "medical", "dental", "vision", "prescription",',
      '  or "combined". Most cards are "medical" or "combined".',
      '- Dates: convert to YYYY-MM-DD. Handle 和暦 (令和/平成) →',
      '  Western year first.',
      '- Phone numbers: keep formatting as printed; preserve country',
      '  codes when present.',
      '- Pharmacy fields (BIN, PCN, Rx Group): only when explicitly',
      '  shown on the card.',
      '',
      '- Coverage type: classify ACCURATELY. A standalone dental plan card',
      '  should be "dental", not "medical". A vision-only card is',
      '  "vision". Most major-medical cards that include prescription',
      '  are "combined" (medical + Rx).',
      '',
      'OUTPUT SHAPE:',
      '{',
      '  // ─── Plan identity',
      '  "insurer": "string"|null,           // issuing company (e.g., "CIGNA International", "BCBS Federal", "Delta Dental", "VSP")',
      '  "plan_name": "string"|null,         // product/plan tier',
      '  "network_type": "PPO"|"HMO"|"EPO"|"POS"|"HDHP"|"FEHB"|"TRICARE"|"Medicare"|"Medicaid"|"international"|"NHI"|"SHI"|"other"|null,',
      '  "coverage_type": "medical"|"dental"|"vision"|"prescription"|"combined"|null,',
      '  "effective_date": "YYYY-MM-DD"|null,',
      '  "expiry_date": "YYYY-MM-DD"|null,',
      '  "issuing_country": "string"|null,',
      '  "coverage_areas": "string"|null,    // territories/regions explicitly listed on card (e.g., "Worldwide excluding USA", "Japan only")',
      '  // ─── Member',
      '  "member_id_last4": "string"|null,   // ONLY last 4 digits',
      '  "member_name": "string"|null,',
      '  "group_number": "string"|null,      // sensitive identifiers truncated to last 4',
      '  // ─── Pharmacy',
      '  "bin": "string"|null,',
      '  "pcn": "string"|null,',
      '  "rx_group": "string"|null,',
      '  // ─── PCP (when printed on card)',
      '  "pcp_name": "string"|null,',
      '  "pcp_phone": "string"|null,',
      '  // ─── Phone contact (capture every distinct number printed)',
      '  "customer_service_phone": "string"|null,',
      '  "member_services_phone": "string"|null,',
      '  "claims_phone": "string"|null,      // claims inquiries / submission',
      '  "pharmacy_help_phone": "string"|null,',
      '  "provider_services_phone": "string"|null,  // for providers to verify benefits',
      '  "emergency_phone": "string"|null,   // 24/7 emergency or pre-cert line',
      '  "nurse_line_phone": "string"|null,  // nurse advice / 24/7 health line if shown',
      '  "mental_health_phone": "string"|null, // EAP / behavioral health line if shown',
      '  // ─── Online / claims submission',
      '  "claims_website": "string"|null,    // URL for claims submission',
      '  "claims_address": "string"|null,    // mailing address for paper claims',
      '  "member_portal": "string"|null,     // member login URL',
      '  "mobile_app": "string"|null,        // app name (e.g., "myCigna", "BCBS Federal App")',
      '  "email": "string"|null,             // member-facing email contact',
      '  // ─── Benefits structure (back of card / summary panel)',
      '  //   Many cards print key benefit numbers — capture them as',
      '  //   structured fields so the user gets a benefits dashboard.',
      '  //   When the card shows ranges or "individual / family" pairs,',
      '  //   split into the two fields. Currency defaults to USD for US',
      '  //   plans; JPY for Japanese SHI/NHI; the issuing country/card',
      '  //   layout should make this obvious.',
      '  "benefits": {',
      '    "referral_required": true|false|null,    // PCP referral needed for specialists?',
      '    "deductible_individual": number|null,    // numeric — strip currency symbol',
      '    "deductible_family": number|null,',
      '    "oop_max_individual": number|null,       // out-of-pocket maximum',
      '    "oop_max_family": number|null,',
      '    "currency": "USD"|"JPY"|"EUR"|"GBP"|"CAD"|"AUD"|"CHF"|null,',
      '    "copay_pcp": "string"|null,              // PCP / primary visit ("$25" or "Ded/80%" or "100%")',
      '    "copay_specialist": "string"|null,',
      '    "copay_urgent_care": "string"|null,',
      '    "copay_er": "string"|null,               // emergency room',
      '    "copay_hospital": "string"|null,         // inpatient hospital',
      '    "rx_coverage": "string"|null,            // free-form Rx terms (e.g., "Not covered US INN/OON; International 80%")',
      '    "benefits_notes": "string"|null          // anything else benefits-related not captured above',
      '  },',
      '  // ─── Free-form catch-all for anything else worth keeping',
      '  "notes_suggestion": "string"|null',
      '}',
      '',
      'Return JSON only.',
    ].join('\n');
  }

  async function callClaudeVisionForInsuranceCard(file, options) {
    if (!hasKey()) throw new Error('No Claude API key set.');
    if (!file) throw new Error('No file provided.');
    if (file.size > MAX_UPLOAD_BYTES) {
      throw new Error('File too large (' + (file.size / 1024 / 1024).toFixed(1) + ' MB). Limit ' + (MAX_UPLOAD_BYTES / 1024 / 1024) + ' MB.');
    }
    const cls = classifyFile(file);
    if (!cls) throw new Error('Unsupported file type: ' + (file.type || file.name));
    const opts = options || {};
    const useModel = opts.model || getModel();
    const estimated = estimateCost(file);
    await checkConsent(opts.feature || 'medical_vision', {
      fileName: file.name, fileSize: file.size, file,
      estimatedCostUsd: estimated ? estimated.approxUsd : null,
    });
    enforceDailyLimit(estimated ? estimated.approxUsd : 0);

    const { mediaType, data } = await fileToBase64(file);
    const sourceBlock = cls === 'pdf'
      ? { type: 'document', source: { type: 'base64', media_type: 'application/pdf', data } }
      : { type: 'image',    source: { type: 'base64', media_type: mediaType, data } };

    const body = {
      model: useModel,
      max_tokens: opts.maxTokens || 1500,
      temperature: opts.temperature == null ? 0.1 : opts.temperature,
      messages: [{
        role: 'user',
        content: [sourceBlock, { type: 'text', text: buildInsuranceCardExtractionPrompt() }],
      }],
    };

    const res = await fetch(API_URL, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'x-api-key': getApiKey(),
        'anthropic-version': ANTHROPIC_VERSION,
        'anthropic-dangerous-direct-browser-access': 'true',
      },
      body: JSON.stringify(body),
    });
    if (!res.ok) throw new Error('Claude API ' + res.status + ': ' + await res.text());
    const json = await res.json();
    if (json && json.usage) recordUsage(json.model || useModel, json.usage, opts.feature || 'medical_vision');
    const text = (json.content || []).map((c) => c.type === 'text' ? c.text : '').join('');
    const parsed = parseJsonFromResponse(text);
    return {
      extracted: parsed,
      raw: text,
      usage: json.usage,
      model: json.model,
      cost_usd: json.usage ? computeCost(json.model || useModel, json.usage.input_tokens, json.usage.output_tokens) : 0,
    };
  }

  // ====================================================================
  // STRUCTURED FINANCIAL DOC EXTRACTION (vision · v0.60)
  // ====================================================================
  //
  // callClaudeVisionForStructuredDoc(file, kind, options)
  //   file: PNG/JPG/WEBP/GIF/PDF
  //   kind: 'property_tax_jp' | 'w2_us' | 'gensen_choshu_jp' |
  //         'pension_statement_jp' | 'ssa_statement'
  //
  // One vision endpoint covering the four module-side gaps left after
  // v0.59: property tax notice (固定資産税通知書), US W-2, Japanese
  // 源泉徴収票, Japanese 年金定期便, US SSA earnings/benefits statement.
  // Each kind has a distinct prompt + output schema; the API plumbing
  // (file → base64 → Claude → parse JSON → record cost) is shared.
  //
  // Privacy: each prompt explicitly truncates account/SSN-style numbers
  // to last 4. Wareki dates (令和/平成/昭和) get converted to ISO before
  // returning. Numeric values come back as numbers, not strings.
  //
  // Consent feature: 'document_vision' (same as the doc-vault flow —
  // both extract structured metadata from a financial / official doc).

  function buildStructuredDocPrompt(kind) {
    const PREAMBLE = [
      'You are a structured-data extraction assistant. The user has',
      'uploaded a financial or government document (photo or scan).',
      'Extract the requested fields into a single JSON object.',
      '',
      'CRITICAL RULES:',
      '- Output ONLY a JSON object. No markdown, no commentary.',
      '- Numeric values: return as NUMBERS, not strings. No commas.',
      '- Dates: ISO 8601 (YYYY-MM-DD). Convert 和暦 to Western year:',
      '  令和N → 2018+N, 平成N → 1988+N, 昭和N → 1925+N.',
      '- Account / reference / SSN-like numbers: return ONLY the LAST 4',
      '  digits/chars for privacy. Never the full number.',
      '- If a field is not visible / not applicable, set it to null.',
      '  DO NOT invent values.',
      '- Currency: ISO 4217 (USD / JPY / EUR / GBP / CAD / AUD / CHF).',
      '',
    ];
    const SHAPES = {
      property_tax_jp: [
        'DOCUMENT TYPE: Japanese 固定資産税通知書 (property tax notice).',
        'OUTPUT SHAPE:',
        '{',
        '  "tax_year":               number | null,    // Western year the tax covers',
        '  "municipality":           string | null,    // 市区町村 issuing the notice',
        '  "property_address":       string | null,    // 所在地 as printed',
        '  "lot_or_house_no":        string | null,    // 地番 / 家屋番号',
        '  "land_assessed_jpy":      number | null,    // 土地 評価額',
        '  "building_assessed_jpy":  number | null,    // 家屋 評価額',
        '  "total_assessed_jpy":     number | null,    // 課税標準額 / 合計評価額',
        '  "annual_tax_jpy":         number | null,    // 固定資産税 年税額',
        '  "city_planning_tax_jpy":  number | null,    // 都市計画税 年税額 (when shown)',
        '  "due_dates": [            // 4 quarterly installment dates when listed',
        '    "YYYY-MM-DD"',
        '  ],',
        '  "owner_name":             string | null,    // 納税義務者 as printed',
        '  "notes":                  string | null     // anything else worth capturing',
        '}',
      ],
      w2_us: [
        'DOCUMENT TYPE: US IRS Form W-2 (Wage and Tax Statement).',
        'OUTPUT SHAPE:',
        '{',
        '  "tax_year":                  number | null,',
        '  "employer_name":             string | null,    // box c',
        '  "employer_ein_last4":        string | null,    // last 4 only of box b',
        '  "employee_name":             string | null,    // box e',
        '  "wages_box1":                number | null,    // box 1 wages, tips, other comp',
        '  "federal_tax_withheld_box2": number | null,',
        '  "ss_wages_box3":             number | null,',
        '  "ss_tax_withheld_box4":      number | null,',
        '  "medicare_wages_box5":       number | null,',
        '  "medicare_tax_withheld_box6": number | null,',
        '  "state":                     string | null,    // box 15 state code',
        '  "state_wages_box16":         number | null,',
        '  "state_tax_withheld_box17":  number | null,',
        '  "retirement_plan_box13":     true | false | null,  // checkbox',
        '  "notes":                     string | null     // box 12 codes (D, DD, etc.) summarized',
        '}',
      ],
      gensen_choshu_jp: [
        'DOCUMENT TYPE: Japanese 給与所得の源泉徴収票 (year-end wage statement).',
        'OUTPUT SHAPE:',
        '{',
        '  "tax_year":                       number | null,',
        '  "employer_name":                  string | null,    // 支払者',
        '  "employer_address":               string | null,',
        '  "employee_name":                  string | null,    // 受給者氏名',
        '  "gross_payment_jpy":              number | null,    // 支払金額',
        '  "employment_income_deduction_jpy": number | null,   // 給与所得控除後の金額',
        '  "deductions_total_jpy":           number | null,    // 所得控除の額の合計額',
        '  "income_tax_withheld_jpy":        number | null,    // 源泉徴収税額',
        '  "social_insurance_jpy":           number | null,    // 社会保険料等の金額',
        '  "spouse_deduction_jpy":           number | null,    // 配偶者控除',
        '  "dependents":                     number | null,    // 控除対象扶養親族の数',
        '  "year_end_adjusted":              true | false | null,  // 年末調整の有無',
        '  "notes":                          string | null',
        '}',
      ],
      pension_statement_jp: [
        'DOCUMENT TYPE: Japanese 年金定期便 (annual pension statement from 日本年金機構).',
        'OUTPUT SHAPE:',
        '{',
        '  "issued_date":                    "YYYY-MM-DD" | null,',
        '  "person_name":                    string | null,',
        '  "basic_pension_number_last4":     string | null,    // last 4 only',
        '  "total_paid_months":              number | null,    // 加入期間 月数 (合計)',
        '  "kokumin_paid_months":            number | null,    // 国民年金',
        '  "kosei_paid_months":              number | null,    // 厚生年金',
        '  "kyosai_paid_months":             number | null,    // 共済年金 (when shown)',
        '  "estimated_annual_pension_jpy":   number | null,    // 老齢年金見込額 (年額)',
        '  "as_of_date":                     "YYYY-MM-DD" | null,  // 「現在」の基準日',
        '  "lifetime_contributions_jpy":     number | null,    // 保険料納付額 (累計)',
        '  "notes":                          string | null     // 標準報酬月額, gaps, anything notable',
        '}',
      ],
      ssa_statement: [
        'DOCUMENT TYPE: US Social Security Administration statement (paper or "my Social Security" PDF).',
        'OUTPUT SHAPE:',
        '{',
        '  "issued_date":                  "YYYY-MM-DD" | null,',
        '  "person_name":                  string | null,',
        '  "ssn_last4":                    string | null,    // last 4 only',
        '  "as_of_year":                   number | null,    // earnings record through this year',
        '  "credits_earned":               number | null,    // total work credits',
        '  "estimated_monthly_at_62_usd":  number | null,',
        '  "estimated_monthly_at_fra_usd": number | null,    // full retirement age',
        '  "estimated_monthly_at_70_usd":  number | null,',
        '  "fra_age":                      string | null,    // e.g. "67" or "66 and 6 months"',
        '  "disability_monthly_usd":       number | null,    // SSDI estimate when shown',
        '  "survivors_monthly_usd":        number | null,    // surviving-spouse benefit',
        '  "medicare_eligible_date":       "YYYY-MM-DD" | null,',
        '  "notes":                        string | null     // earnings-record gaps, WEP/GPO mentions',
        '}',
      ],
    };
    const shape = SHAPES[kind];
    if (!shape) throw new Error('Unsupported structured doc kind: ' + kind);
    return PREAMBLE.concat(shape).concat(['', 'Return JSON only.']).join('\n');
  }

  async function callClaudeVisionForStructuredDoc(file, kind, options) {
    if (!hasKey()) throw new Error('No Claude API key set.');
    if (!file) throw new Error('No file provided.');
    if (file.size > MAX_UPLOAD_BYTES) {
      throw new Error('File too large (' + (file.size / 1024 / 1024).toFixed(1) + ' MB). Limit ' + (MAX_UPLOAD_BYTES / 1024 / 1024) + ' MB.');
    }
    const cls = classifyFile(file);
    if (!cls) throw new Error('Unsupported file type: ' + (file.type || file.name));
    const opts = options || {};
    const useModel = opts.model || getModel();
    const estimated = estimateCost(file);
    await checkConsent(opts.feature || 'document_vision', {
      fileName: file.name, fileSize: file.size, file,
      estimatedCostUsd: estimated ? estimated.approxUsd : null,
    });
    enforceDailyLimit(estimated ? estimated.approxUsd : 0);

    const { mediaType, data } = await fileToBase64(file);
    const sourceBlock = cls === 'pdf'
      ? { type: 'document', source: { type: 'base64', media_type: 'application/pdf', data } }
      : { type: 'image',    source: { type: 'base64', media_type: mediaType, data } };

    const body = {
      model: useModel,
      max_tokens: opts.maxTokens || 1536,
      temperature: opts.temperature == null ? 0.1 : opts.temperature,
      messages: [{
        role: 'user',
        content: [sourceBlock, { type: 'text', text: buildStructuredDocPrompt(kind) }],
      }],
    };

    const res = await fetch(API_URL, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'x-api-key': getApiKey(),
        'anthropic-version': ANTHROPIC_VERSION,
        'anthropic-dangerous-direct-browser-access': 'true',
      },
      body: JSON.stringify(body),
    });
    if (!res.ok) throw new Error('Claude API ' + res.status + ': ' + await res.text());
    const json = await res.json();
    if (json && json.usage) recordUsage(json.model || useModel, json.usage, opts.feature || 'document_vision');
    const text = (json.content || []).map((c) => c.type === 'text' ? c.text : '').join('');
    const parsed = parseJsonFromResponse(text);
    return {
      extracted: parsed,
      raw: text,
      usage: json.usage,
      model: json.model,
      cost_usd: json.usage ? computeCost(json.model || useModel, json.usage.input_tokens, json.usage.output_tokens) : 0,
    };
  }

  // ====================================================================
  // ASSET ENRICHMENT (institution-knowledge, no PII)
  // ====================================================================
  //
  // enrichAssetAccountWithAi(account, options) — chained after asset
  // statement extraction by default (with an opt-out). Sends ONLY the
  // institution name + country + currency + account type. Asks the
  // model for canonical institution metadata: HQ address, support
  // phone, parent corp, SWIFT/routing, key reminders for the wrapper
  // type. Returns a string suitable for appending to notes.
  //
  // What is NOT sent: account number (full or last4), balance, basis,
  // beneficiary, beneficiary, the user's notes, or the holding's name.

  function buildAssetEnrichmentInput(account) {
    if (!account) return {};
    return {
      institution: account.institution || null,
      country: account.country || null,
      currency: account.currency || null,
      tax_wrapper: account.tax_wrapper || null,
    };
  }

  // ====================================================================
  // PROVIDER ENRICHMENT (medical / dental clinic info, no PHI)
  // ====================================================================
  //
  // callClaudeForProviderEnrichment(provider, options)
  //   provider: { name_en?, name_jp?, type?, address?, phone? }
  //
  // Asks Claude to fill in missing public info for a healthcare provider
  // — website, phone, hours, full address, missing-language name — from
  // its own training knowledge. NO PHI sent: only the clinic identity
  // (name, type, country/region) is included in the prompt. Useful for
  // populating provider records after a sparse invoice or exam import.
  //
  // Uses `asset_enrichment` consent — same data flow (institution name
  // out, public reference info in, no patient data).
  async function callClaudeForProviderEnrichment(provider, options) {
    if (!hasKey()) throw new Error('No Claude API key set.');
    const p = provider || {};
    if (!p.name_en && !p.name_jp) {
      return { extracted: null, cost_usd: 0 };
    }
    const opts = options || {};
    const useModel = opts.model || getModel();
    await checkConsent(opts.feature || 'asset_enrichment', {
      institution: p.name_en || p.name_jp,
      country: p.country || (p.name_jp ? 'JP' : null),
      estimatedCostUsd: 0.008,
    });

    const prompt = [
      'You are a public-reference assistant. The user gives you ONLY a',
      'healthcare provider\'s public-facing identity (clinic name, type,',
      'rough location) and you fill in publicly verifiable details from',
      'your training data.',
      '',
      'CRITICAL RULES:',
      '- Output ONLY a JSON object. No markdown, no commentary.',
      '- DO NOT invent values. When unsure, set the field to null.',
      '- Only return facts that would be on the clinic\'s public website,',
      '  Google Business listing, or directory: address, phone, website',
      '  URL, typical hours, specialties offered.',
      '- DO NOT return private clinical info, patient reviews, doctor',
      '  personal details, or anything sensitive.',
      '- For Japanese clinics: when only one language name was provided,',
      '  try to provide the other (e.g., Romaji ↔ Japanese) when it\'s a',
      '  well-known clinic; null otherwise.',
      '- For website: full URL with https://. Confirm the clinic actually',
      '  has that domain — never guess at "[clinicname].com".',
      '',
      'PROVIDER (input):',
      JSON.stringify({
        name_en: p.name_en || null,
        name_jp: p.name_jp || null,
        type: p.type || null,
        country: p.country || (p.name_jp ? 'JP' : null),
        existing_address: p.address || null,
        existing_phone: p.phone || null,
      }, null, 2),
      '',
      'OUTPUT SHAPE:',
      '{',
      '  "name_en": "string"|null,        // English/Romanized name (only when missing from input)',
      '  "name_jp": "string"|null,        // Japanese name (only when missing from input)',
      '  "address": "string"|null,        // full street address',
      '  "phone": "string"|null,          // main phone number',
      '  "website": "string"|null,        // full URL with https://',
      '  "hours": "string"|null,          // free-form hours summary',
      '  "specialties": "string"|null,    // brief comma-separated list',
      '  "notes": "string"|null,          // any other publicly-known useful detail',
      '  "confidence": "high"|"medium"|"low"|"unknown" // your overall confidence in this enrichment',
      '}',
      '',
      'When you don\'t recognize the clinic, return all-null fields and',
      'confidence: "unknown". DO NOT GUESS.',
      'Return JSON only.',
    ].join('\n');

    const body = {
      model: useModel,
      max_tokens: opts.maxTokens || 1024,
      temperature: opts.temperature == null ? 0.1 : opts.temperature,
      messages: [{ role: 'user', content: prompt }],
    };

    const res = await fetch(API_URL, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'x-api-key': getApiKey(),
        'anthropic-version': ANTHROPIC_VERSION,
        'anthropic-dangerous-direct-browser-access': 'true',
      },
      body: JSON.stringify(body),
    });
    if (!res.ok) throw new Error('Claude API ' + res.status + ': ' + await res.text());
    const json = await res.json();
    if (json && json.usage) recordUsage(json.model || useModel, json.usage, opts.feature || 'asset_enrichment');
    const text = (json.content || []).map((c) => c.type === 'text' ? c.text : '').join('');
    const parsed = parseJsonFromResponse(text);
    return {
      extracted: parsed,
      raw: text,
      usage: json.usage,
      model: json.model,
      cost_usd: json.usage ? computeCost(json.model || useModel, json.usage.input_tokens, json.usage.output_tokens) : 0,
    };
  }

  async function enrichAssetAccountWithAi(account, options) {
    if (!hasKey()) throw new Error('No Claude API key set.');
    const summary = buildAssetEnrichmentInput(account);
    if (!summary.institution) return { text: '', cost_usd: 0 };

    const opts = options || {};
    const useModel = opts.model || getModel();
    await checkConsent(opts.feature || 'asset_enrichment', {
      institution: summary.institution,
      country: summary.country,
      estimatedCostUsd: 0.005,
    });

    const prompt = [
      'You are a reference assistant. The user gave you ONLY the public',
      'metadata of a financial account; no PII. Return a SHORT plain-text',
      'paragraph (under 80 words) appropriate to append to the account notes.',
      '',
      'Include where applicable:',
      '- Institution full legal name + parent company',
      '- HQ city / country',
      '- Customer support phone (international preferred for expat use)',
      '- One reminder relevant to the tax wrapper (e.g., "RMD age 73 for',
      '  Traditional IRA"; "5-year rule for Roth"; "Series I bonds → check',
      '  TreasuryDirect for current rate every May/Nov")',
      '',
      'Do NOT make up phone numbers or addresses you are not confident in.',
      'If unsure, omit. Plain text only — no markdown, no headings.',
      '',
      'Account metadata:',
      JSON.stringify(summary),
    ].join('\n');

    const body = {
      model: useModel,
      max_tokens: opts.maxTokens || 400,
      temperature: 0.3,
      messages: [{ role: 'user', content: prompt }],
    };

    enforceDailyLimit(0.005);

    const res = await fetch(API_URL, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'x-api-key': getApiKey(),
        'anthropic-version': ANTHROPIC_VERSION,
        'anthropic-dangerous-direct-browser-access': 'true',
      },
      body: JSON.stringify(body),
    });
    if (!res.ok) {
      const err = await res.text();
      throw new Error('Claude API ' + res.status + ': ' + err);
    }
    const json = await res.json();
    if (json && json.usage) recordUsage(json.model || useModel, json.usage, opts.feature || 'asset_enrichment');
    const text = (json.content || []).map((c) => c.type === 'text' ? c.text : '').join('').trim();
    return {
      text,
      usage: json.usage,
      model: json.model,
      cost_usd: json.usage ? computeCost(json.model || useModel, json.usage.input_tokens, json.usage.output_tokens) : 0,
    };
  }

  // ====================================================================
  // AI ENRICH (institution-knowledge lookup, user-initiated)
  // ====================================================================
  //
  // enrichAccountWithAi(accountSummary, options) sends ONLY
  // institution-level metadata (institution_name, country, currency,
  // account_type) to Claude and asks the model to fill in canonical
  // facts about that institution from its training knowledge — HQ
  // address, English name, SWIFT/BIC, etc.
  //
  // What this DOES NOT send:
  //   - Account number (full or masked)
  //   - Filer names
  //   - Balances / yearly_balances
  //   - Notes (may contain user observations)
  //   - Any other PII
  //
  // The caller is responsible for sanitizing the input before calling.
  // The buildEnrichmentInput() helper below produces a strictly
  // institution-only summary from a full account record.
  // ====================================================================

  function buildEnrichmentInput(account) {
    if (!account) return {};
    return {
      institution_name: account.institution_name || null,
      institution_address: account.institution_address || null,
      country: account.country || null,
      currency: account.currency || null,
      account_type: account.account_type || null,
    };
  }

  function buildEnrichmentPrompt(accountSummary) {
    return [
      'You are an institution-information assistant for a financial',
      'tracker. Given a partial account record, fill in known facts',
      'about the INSTITUTION (the bank or financial firm itself) using',
      'your training knowledge.',
      '',
      'BE GENEROUS WITH WELL-KNOWN INSTITUTIONS:',
      'For publicly-listed banks, regional banks, megabanks, postal',
      'banks, government-affiliated financial firms, and major fintech',
      'companies, the HQ address and other public facts ARE part of',
      'your training data — provide them. The user reviews every',
      'suggestion before it\'s applied; over-cautious "null"s force',
      'them to look up information you already know.',
      '',
      'WHEN TO RETURN null:',
      '- Genuinely obscure institutions (tiny credit unions, unknown',
      '  private firms) where the HQ is not in your training data.',
      '- Ambiguous institution names that could refer to multiple',
      '  unrelated entities.',
      '- Fields that aren\'t applicable (e.g., a bank with no public',
      '  SWIFT/BIC).',
      'Do NOT return null just because you can\'t produce a perfect',
      'street address — a city + prefecture / state level address is',
      'still useful and the user can refine it.',
      '',
      'OTHER RULES:',
      '- For Japanese institutions, populate BOTH the kanji form',
      '  (institution_name_jp) and the romanized English name',
      '  (institution_name_en).',
      '- For institution_address: ALWAYS provide the address in',
      '  English / romanized form. This is what goes on the FBAR',
      '  (FinCEN 114), which is a U.S. federal form and requires',
      '  English-language addresses. Format Japanese addresses in',
      '  Western order: "<building/number> <street/area>, <city>-shi,',
      '  <prefecture> <postal-code>, Japan".',
      '- For institution_address_jp: ALSO provide the Japanese form',
      '  with 〒postal code if the institution is Japanese. Optional',
      '  for non-Japanese institutions.',
      '- Respond with ONLY a JSON object — no markdown, no commentary.',
      '',
      'Input account (institution-only summary):',
      JSON.stringify(accountSummary, null, 2),
      '',
      'OUTPUT SHAPE:',
      '{',
      '  "institution_name_en": string|null,        // canonical English / romanized name',
      '  "institution_name_jp": string|null,        // Japanese form (kanji or katakana) if applicable',
      '  "institution_address": string|null,        // English / romanized HQ address (FBAR-required)',
      '  "institution_address_jp": string|null,     // Japanese form of HQ address (optional, for reference)',
      '  "institution_swift_bic": string|null,      // SWIFT/BIC code, if commonly known',
      '  "country": string|null,                    // ISO 3166-1 alpha-2',
      '  "currency_suggestion": string|null,        // ISO 4217 of typical deposit currency',
      '  "account_type_suggestion": "bank"|"securities"|"other"|null,',
      '  "notes": string|null,                       // 1-2 sentence summary of the institution',
      '  "confidence": "high"|"medium"|"low"',
      '}',
      '',
      'WORKED EXAMPLES (illustrative — these institutions ARE in your',
      'training data, so populate the address rather than returning null):',
      '',
      '- "秋田銀行" / "Akita Bank":',
      '  institution_name_en: "Akita Bank", institution_name_jp: "秋田銀行",',
      '  institution_address: "3-2-1 Sanno, Akita-shi, Akita 010-8655, Japan",',
      '  institution_address_jp: "〒010-8655 秋田県秋田市山王三丁目2番1号",',
      '  country: "JP", currency_suggestion: "JPY",',
      '  account_type_suggestion: "bank",',
      '  notes: "Japanese regional bank headquartered in Akita Prefecture,',
      '  serving the Tohoku region.", confidence: "high".',
      '',
      '- "ゆうちょ銀行" / "Japan Post Bank":',
      '  institution_address: "3-2 Kasumigaseki 1-chome, Chiyoda-ku, Tokyo 100-8793, Japan",',
      '  institution_address_jp: "〒100-8793 東京都千代田区霞が関一丁目3番2号",',
      '  country: "JP", currency_suggestion: "JPY".',
      '',
      '- "三菱UFJ銀行" / "MUFG Bank":',
      '  institution_address: "7-1 Marunouchi 2-chome, Chiyoda-ku, Tokyo 100-8388, Japan",',
      '  institution_address_jp: "〒100-8388 東京都千代田区丸の内二丁目7番1号",',
      '  country: "JP", currency_suggestion: "JPY",',
      '  institution_swift_bic: "BOTKJPJT".',
      '',
      '- "Wise" / "Wise Payments Limited":',
      '  institution_address: "56 Shoreditch High Street, London E1 6JJ, UK",',
      '  country: "GB" (UK FCA-regulated), notes mentions Wise US Inc.',
      '  for US-customer accounts.',
      '',
      'Return JSON only.',
    ].join('\n');
  }

  async function enrichAccountWithAi(accountSummary, options) {
    if (!hasKey()) {
      throw new Error('No Claude API key set. Add one in Settings to use AI enrichment.');
    }
    const opts = options || {};
    const useModel = opts.model || getModel();
    await checkConsent(opts.feature || 'fbar_enrichment', {
      institution: accountSummary && (accountSummary.institution || accountSummary.institution_name_en),
      country: accountSummary && accountSummary.country,
      estimatedCostUsd: 0.005,
    });
    enforceDailyLimit(0.005); // small text-only call

    const promptText = buildEnrichmentPrompt(accountSummary);

    const body = {
      model: useModel,
      max_tokens: opts.maxTokens || 1024,
      temperature: opts.temperature == null ? 0.2 : opts.temperature,
      messages: [{ role: 'user', content: promptText }],
    };

    const res = await fetch(API_URL, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'x-api-key': getApiKey(),
        'anthropic-version': ANTHROPIC_VERSION,
        'anthropic-dangerous-direct-browser-access': 'true',
      },
      body: JSON.stringify(body),
    });
    if (!res.ok) {
      const errText = await res.text();
      throw new Error(`Claude API error ${res.status}: ${errText}`);
    }
    const json = await res.json();
    if (json && json.usage) recordUsage(json.model || useModel, json.usage, opts.feature || 'fbar_enrichment');
    const text = (json.content || [])
      .map(c => c.type === 'text' ? c.text : '')
      .join('');
    return {
      suggestions: parseJsonFromResponse(text),
      raw: text,
      usage: json.usage,
      cost_usd: json.usage ? computeCost(json.model || useModel, json.usage.input_tokens, json.usage.output_tokens) : 0,
    };
  }

  // Rough cost estimate (USD) for the consent modal. Uses the
  // currently-selected model's per-token pricing. Inputs estimated
  // from byte size (we don't have render dimensions until Claude
  // tokenizes the image). Output budget assumed at 3k tokens —
  // typical for a multi-year passbook extraction with the years_covered
  // summary plus a few sample balance_entries per year. Actual cost
  // can be a bit higher (multi-page passbooks) or lower (screenshots).
  function estimateCost(file) {
    if (!file) return null;
    const m = getModelInfo() || findModel(DEFAULT_MODEL);
    if (!m) return null;
    const cls = classifyFile(file);
    const kb = file.size / 1024;
    const inTokensPerKb = cls === 'pdf' ? 2 : 1.5;
    const inTokens = Math.max(800, Math.round(kb * inTokensPerKb));
    const outTokens = 3000;
    const inCostUsd = (inTokens / 1_000_000) * m.input_per_m;
    const outCostUsd = (outTokens / 1_000_000) * m.output_per_m;
    return {
      approxInputTokens: inTokens,
      approxOutputTokens: outTokens,
      approxUsd: inCostUsd + outCostUsd,
    };
  }

  // ====================================================================
  // API KEY HEALTH CHECK
  // ====================================================================
  //
  // Sends a deliberately tiny request (1 token output) so the user can
  // verify their key is valid + the model is reachable without burning
  // meaningful tokens. Tagged as 'health_check' so it shows up in the
  // per-feature breakdown but doesn't pollute the chat or vision counts.
  async function pingApiKey(options) {
    if (!hasKey()) {
      return { ok: false, error: 'no_key', message: 'No Claude API key configured.' };
    }
    const opts = options || {};
    const useModel = opts.model || getModel();
    const startedAt = performance.now();
    try {
      const body = {
        model: useModel,
        max_tokens: 1,
        temperature: 0,
        messages: [{ role: 'user', content: 'ping' }],
      };
      const res = await fetch(API_URL, {
        method: 'POST',
        headers: {
          'Content-Type': 'application/json',
          'x-api-key': getApiKey(),
          'anthropic-version': ANTHROPIC_VERSION,
          'anthropic-dangerous-direct-browser-access': 'true',
        },
        body: JSON.stringify(body),
      });
      const elapsedMs = Math.round(performance.now() - startedAt);
      if (!res.ok) {
        let errText = '';
        try { errText = await res.text(); } catch (_) {}
        let errCode = 'http_' + res.status;
        if (res.status === 401) errCode = 'invalid_key';
        else if (res.status === 403) errCode = 'forbidden';
        else if (res.status === 429) errCode = 'rate_limited';
        else if (res.status >= 500) errCode = 'server_error';
        return {
          ok: false,
          error: errCode,
          status: res.status,
          message: errText.slice(0, 240),
          elapsed_ms: elapsedMs,
        };
      }
      const json = await res.json();
      if (json && json.usage) recordUsage(json.model || useModel, json.usage, 'health_check');
      return {
        ok: true,
        model: json && (json.model || useModel),
        elapsed_ms: elapsedMs,
        cost_usd: json && json.usage
          ? computeCost(json.model || useModel, json.usage.input_tokens, json.usage.output_tokens)
          : 0,
      };
    } catch (err) {
      return {
        ok: false,
        error: 'network',
        message: (err && err.message) || String(err),
        elapsed_ms: Math.round(performance.now() - startedAt),
      };
    }
  }

  window.TB = window.TB || {};
  window.TB.ai = {
    // Core call surface
    callClaude,
    callClaudeWithFbarContext,
    callClaudeVisionForExtraction,
    callClaudeVisionForAssetExtraction,
    callClaudeVisionForDocumentExtraction,
    callClaudeVisionForMedicalExtraction,
    callClaudeVisionForInvoiceExtraction,
    callClaudeVisionForInsuranceCard,
    callClaudeVisionForDentalExtraction,
    callClaudeVisionForStructuredDoc,
    callClaudeForLabDescriptions,
    callClaudeForProviderEnrichment,
    enrichAssetAccountWithAi,
    buildAssetEnrichmentInput,
    enrichAccountWithAi,
    buildEnrichmentInput,
    pingApiKey,
    // Helpers
    estimateCost,
    classifyFile,
    hasKey,
    getModel,
    getModelInfo,
    findModel,
    modelPriceLabel,
    // Catalog + constants
    DEFAULT_MODEL,
    MODEL_CATALOG,
    FEATURE_IDS,
    VISION_FEATURES,
    ACCEPTED_IMAGE_TYPES,
    ACCEPTED_PDF_TYPES,
    MAX_UPLOAD_BYTES,
    // Consent
    checkConsent,
    isVisionFeature,
    isFeatureAllowed,
    getConsentPosture,
    setConsentPosture,
    getConsentOverrides,
    setConsentOverride,
    consentPreview,
    // Usage tracking
    todayKey,
    todayUsage,
    getUsage,
    recordUsage,
    resetTodayUsage,
    computeCost,
    dailyLimitUsd,
    setDailyLimitUsd,
    // Credits
    getCredits,
    addTopup,
    removeTopup,
    activeTopups,
    isTopupActive,
    computeRemainingBalance,
    reconcile,
  };
})();

</script>
  <script data-source="scripts/onboarding.js">
/* Taigan Bridge — onboarding.js  (v2)
 *
 * Renders the onboarding wizard, persists each answer to state, and on
 * submit computes the user's tracks via TB.tracks.assign and writes
 * them back to state.
 *
 * v2 capabilities (2026-05):
 *   • showIf predicates per question — questions can declare a function
 *     of prior answers; if it returns false the question is skipped
 *     (e.g., non_sofa_jp_income only shows when tax_status === 'sofa_no_file').
 *   • Default values driven by prior answers — jp_filing_responsibility
 *     pre-selects 'spouse' for SOFA + spouse households, 'na' for SOFA
 *     solo, 'self' for everyone else (matches the logic in
 *     tax-coordinator.js → deriveJpFilingResponsibility).
 *   • Edit-single-question mode — TB.onboarding.start(host, { editQuestionId })
 *     renders just that one question with a "save and return" button
 *     instead of the full wizard. Used by the Profile page.
 *   • Module-state sync on finish — answers that drive module behavior
 *     (jp_filing_responsibility, retirement_horizon, healthcare_coverage,
 *     fx_platforms, ai_consent) are written into the corresponding
 *     module's state so the modules don't have to re-read onboarding
 *     answers on every render.
 *
 * Question definitions live in content/inline.js (window.TB.content
 * .onboardingQuestions).
 */

(function () {
  'use strict';

  const DEFAULT_QUESTIONS_URL = 'content/onboarding-questions.json';

  let QUESTIONS = null;
  let stepIndex = 0;
  let workingAnswers = {};
  let host = null;
  // When set, the wizard renders only this single question with a
  // "save and return" button. Used by Profile → Quick edit.
  let editOnlyId = null;
  let editReturnView = null;

  async function loadQuestions() {
    if (QUESTIONS) return QUESTIONS;
    if (window.TB && window.TB.content && window.TB.content.onboardingQuestions) {
      QUESTIONS = window.TB.content.onboardingQuestions;
      return QUESTIONS;
    }
    // Defensive fetch fallback — used only if content/inline.js was
    // not loaded for some reason. Wrapped in try/catch because under
    // file:// the browser blocks fetch with a CORS error.
    try {
      const res = await fetch(DEFAULT_QUESTIONS_URL, { cache: 'no-store' });
      if (res.ok) {
        QUESTIONS = await res.json();
        return QUESTIONS;
      }
    } catch (_) { /* fall through */ }
    throw new Error(
      'Onboarding questions unavailable. Load content/inline.js or ' +
      'serve the app over http (npm run dev).',
    );
  }

  function pickText(q, key) {
    const lang = TB.i18n.getLang();
    return q[key + '_' + (lang === 'ja' ? 'jp' : 'en')] || q[key + '_en'] || '';
  }

  function pickOptionLabel(opt) {
    const lang = TB.i18n.getLang();
    return opt['label_' + (lang === 'ja' ? 'jp' : 'en')] || opt.label_en || opt.value;
  }

  async function start(container, opts) {
    host = container;
    opts = opts || {};
    const existing = TB.state.get('onboarding.answers') || {};
    workingAnswers = opts.fresh ? {} : Object.assign({}, existing);
    // Pre-populate the display name fields from the existing profile
    // so a returning user sees their saved names already filled in
    // (rather than having to retype on every re-run of onboarding).
    const profile = TB.state.get('profile') || {};
    if (!workingAnswers.display_name && profile.displayName) {
      workingAnswers.display_name = profile.displayName;
    }
    if (!workingAnswers.display_name_ja && profile.displayNameJa) {
      workingAnswers.display_name_ja = profile.displayNameJa;
    }
    editOnlyId = opts.editQuestionId || null;
    editReturnView = opts.returnTo || 'profile';
    stepIndex = 0;
    await loadQuestions();
    if (editOnlyId) {
      // Find the matching question and render directly.
      const idx = QUESTIONS.findIndex((q) => q.id === editOnlyId);
      if (idx === -1) {
        console.warn('[onboarding] edit-only question not found:', editOnlyId);
        renderIntro();
        return;
      }
      stepIndex = idx;
      renderEditOnly();
      return;
    }
    renderIntro();
  }

  // ────────────────────────────────────────────────────────────────────
  // VISIBILITY (showIf) + DEFAULT VALUES
  // ────────────────────────────────────────────────────────────────────
  //
  // showIf predicates live in inline.js as q.showIf(answers) — kept as
  // functions because JSON can't carry logic. We evaluate against the
  // current workingAnswers, NOT stored answers, so a user can flip an
  // earlier answer mid-flow and the dependent questions reflow live.

  function isVisible(q) {
    if (typeof q.showIf !== 'function') return true;
    try { return !!q.showIf(workingAnswers); } catch (_) { return true; }
  }

  function visibleQuestions() {
    return QUESTIONS.filter(isVisible);
  }

  function visibleIndexOf(q) {
    return visibleQuestions().indexOf(q);
  }

  // For questions whose default depends on prior answers, return the
  // suggested initial value. Currently used by jp_filing_responsibility
  // (mirrors deriveJpFilingResponsibility in tax-coordinator.js so the
  // user sees a sensible pre-selection even before saving).
  function suggestedDefault(qId) {
    const a = workingAnswers;
    if (qId === 'jp_filing_responsibility') {
      const fam = Array.isArray(a.family) ? a.family : [a.family].filter(Boolean);
      const hasSpouse = fam.indexOf('jp_spouse') !== -1
                     || fam.indexOf('us_spouse') !== -1
                     || fam.indexOf('third_spouse') !== -1;
      if (a.tax_status === 'sofa_no_file') {
        // Even SOFA holders need to file 確定申告 if they have non-SOFA
        // JP income — bias toward 'self' in that case.
        if (a.non_sofa_jp_income === 'yes') return 'self';
        return hasSpouse ? 'spouse' : 'na';
      }
      if (a.tax_status === 'us_only') return 'na';
      if (a.tax_status === 'japan_resident' || a.tax_status === 'japan_filer') return 'self';
      return 'self';
    }
    return undefined;
  }

  function renderIntro() {
    const el = TB.utils.el;
    host.innerHTML = '';
    const card = el('div', { class: 'tb-card', 'data-track': 'core' },
      el('h1', null, TB.i18n.t('onboarding.intro.title')),
      el('p', null, TB.i18n.t('onboarding.intro.body')),
      el('div', { class: 'tb-disclaimer-inline' },
        TB.i18n.t('banner.disclaimer'),
      ),
      el('div', { class: 'tb-btn-row' },
        el('button', {
          class: 'tb-btn',
          onclick: () => { stepIndex = 0; renderStep(); },
        }, TB.i18n.t('onboarding.start')),
        // "Try with sample data" — fast-path for new visitors who
        // want to evaluate the tool before committing to entering
        // real numbers. Skips onboarding entirely and loads a
        // complete fictional household. Only shown when the demo
        // module is available (it self-installs via sample-data.js).
        (TB.sampleData && typeof TB.sampleData.loadInteractive === 'function')
          ? el('button', {
              class: 'tb-btn tb-btn--ghost',
              type: 'button',
              onclick: () => TB.sampleData.loadInteractive(),
              title: TB.i18n.t('onboarding.tryDemo.tooltip'),
            }, '🧪 ' + TB.i18n.t('onboarding.tryDemo'))
          : null,
      ),
    );
    host.appendChild(card);
  }

  function renderStep() {
    const el = TB.utils.el;
    const q = QUESTIONS[stepIndex];
    if (!q) return finish();
    // If the current question shouldn't show given prior answers,
    // skip forward (or finish if we ran past the end).
    if (!isVisible(q)) {
      stepIndex += 1;
      if (stepIndex >= QUESTIONS.length) return finish();
      return renderStep();
    }

    // Apply suggested default if this question hasn't been touched yet.
    if (workingAnswers[q.id] === undefined) {
      const suggested = suggestedDefault(q.id);
      if (suggested !== undefined) workingAnswers[q.id] = suggested;
    }

    host.innerHTML = '';

    // Progress bar uses the VISIBLE question count so users see an
    // honest "step n of m" rather than counting branches they'll never
    // see.
    const visible = visibleQuestions();
    const visIdx = visible.indexOf(q);

    const progress = el('div', { class: 'tb-wizard-progress' },
      ...visible.map((_, i) => {
        let cls = 'tb-wizard-step';
        if (i < visIdx) cls += ' is-done';
        else if (i === visIdx) cls += ' is-current';
        return el('div', { class: cls });
      }),
    );

    const card = el('div', { class: 'tb-card', 'data-track': 'core' },
      progress,
      el('div', { class: 'tb-card-meta' },
        TB.i18n.t('onboarding.progress', { n: visIdx + 1, total: visible.length }),
      ),
      el('h2', { class: 'tb-wizard-question' }, pickText(q, 'question')),
      pickText(q, 'helpText') ? el('p', { class: 'tb-wizard-help' }, pickText(q, 'helpText')) : null,
      renderInput(q),
      el('div', { id: 'tb-onboarding-error', class: 'tb-disclaimer-inline', style: { display: 'none' } },
        TB.i18n.t('onboarding.required'),
      ),
      el('div', { class: 'tb-btn-row' },
        visIdx > 0
          ? el('button', { class: 'tb-btn tb-btn--secondary', onclick: prev }, TB.i18n.t('onboarding.back'))
          : null,
        el('button', { class: 'tb-btn', onclick: next },
          visIdx === visible.length - 1 ? TB.i18n.t('onboarding.finish') : TB.i18n.t('onboarding.next'),
        ),
      ),
    );

    host.appendChild(card);
  }

  // Edit-single-question mode. Renders just one question with "Save"
  // and "Cancel" buttons. Used by the Profile page to let the user
  // update one answer without re-running the whole wizard.
  function renderEditOnly() {
    const el = TB.utils.el;
    const q = QUESTIONS[stepIndex];
    if (!q) return;
    host.innerHTML = '';

    // Apply suggested default when missing (gives the picker a sensible
    // initial selection even on first edit).
    if (workingAnswers[q.id] === undefined) {
      const suggested = suggestedDefault(q.id);
      if (suggested !== undefined) workingAnswers[q.id] = suggested;
    }

    const card = el('div', { class: 'tb-card', 'data-track': 'core' },
      el('div', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-2)' } },
        '✎ ' + TB.i18n.t('onboarding.editOne')),
      el('h2', { class: 'tb-wizard-question' }, pickText(q, 'question')),
      pickText(q, 'helpText') ? el('p', { class: 'tb-wizard-help' }, pickText(q, 'helpText')) : null,
      renderInput(q),
      el('div', { id: 'tb-onboarding-error', class: 'tb-disclaimer-inline', style: { display: 'none' } },
        TB.i18n.t('onboarding.required'),
      ),
      el('div', { class: 'tb-btn-row' },
        el('button', {
          class: 'tb-btn tb-btn--secondary',
          onclick: () => {
            editOnlyId = null;
            const view = editReturnView || 'profile';
            editReturnView = null;
            document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view } }));
          },
        }, TB.i18n.t('onboarding.cancel')),
        el('button', {
          class: 'tb-btn',
          onclick: () => {
            if (!isAnswered(q)) {
              const err = document.getElementById('tb-onboarding-error');
              if (err) err.style.display = 'block';
              return;
            }
            saveSingleAnswer();
          },
        }, TB.i18n.t('onboarding.save')),
      ),
    );
    host.appendChild(card);
  }

  // Save one answer + re-derive tracks/modules without re-running
  // the full wizard. Returns the user to the editReturnView.
  function saveSingleAnswer() {
    const existing = TB.state.get('onboarding.answers') || {};
    const merged = Object.assign({}, existing, workingAnswers);
    const result = TB.tracks.assign(merged);
    TB.state.set('onboarding', {
      complete: TB.state.get('onboarding.complete') || true,
      answers: merged,
      completedAt: TB.state.get('onboarding.completedAt') || new Date().toISOString(),
      lastEditedAt: new Date().toISOString(),
    });
    TB.state.set('tracks', result.tracks);
    TB.state.set('modules.unlocked', result.modules);
    syncToModuleState(merged);
    const view = editReturnView || 'profile';
    editOnlyId = null;
    editReturnView = null;
    document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view } }));
  }

  function renderInput(q) {
    const el = TB.utils.el;
    const value = workingAnswers[q.id];

    if (q.type === 'single' || q.type === 'radio') {
      return el('div', { class: 'tb-radio-group' },
        ...q.options.map((opt) => {
          const id = `tb-q-${q.id}-${opt.value}`;
          const selected = value === opt.value;
          return el('label', {
            class: 'tb-radio' + (selected ? ' is-selected' : ''),
            for: id,
          },
            el('input', {
              type: 'radio',
              id,
              name: q.id,
              value: opt.value,
              checked: selected,
              onchange: (e) => {
                workingAnswers[q.id] = e.target.value;
                renderStep();
              },
            }),
            el('div', null,
              el('div', null, pickOptionLabel(opt)),
              opt['hint_' + (TB.i18n.getLang() === 'ja' ? 'jp' : 'en')]
                ? el('small', null, opt['hint_' + (TB.i18n.getLang() === 'ja' ? 'jp' : 'en')])
                : null,
            ),
          );
        }),
      );
    }

    if (q.type === 'multi' || q.type === 'checkbox') {
      const set = new Set(Array.isArray(value) ? value : []);
      return el('div', { class: 'tb-checkbox-group' },
        ...q.options.map((opt) => {
          const id = `tb-q-${q.id}-${opt.value}`;
          const checked = set.has(opt.value);
          return el('label', {
            class: 'tb-checkbox' + (checked ? ' is-selected' : ''),
            for: id,
          },
            el('input', {
              type: 'checkbox',
              id,
              name: q.id,
              value: opt.value,
              checked,
              onchange: (e) => {
                if (e.target.checked) set.add(opt.value);
                else set.delete(opt.value);
                workingAnswers[q.id] = Array.from(set);
                renderStep();
              },
            }),
            el('div', null,
              el('div', null, pickOptionLabel(opt)),
            ),
          );
        }),
      );
    }

    if (q.type === 'text') {
      return el('input', {
        type: 'text',
        class: 'tb-input',
        value: value || '',
        oninput: (e) => { workingAnswers[q.id] = e.target.value; },
      });
    }

    if (q.type === 'date') {
      return el('input', {
        type: 'date',
        class: 'tb-input',
        value: value || '',
        oninput: (e) => { workingAnswers[q.id] = e.target.value || null; },
      });
    }

    return el('div', null, '[unsupported question type: ' + q.type + ']');
  }

  function isAnswered(q) {
    const v = workingAnswers[q.id];
    if (q.optional) return true;
    if (q.type === 'multi' || q.type === 'checkbox') return Array.isArray(v) && v.length > 0;
    if (q.type === 'text') return typeof v === 'string' && v.trim().length > 0;
    if (q.type === 'date') return typeof v === 'string' && /^\d{4}-\d{2}-\d{2}$/.test(v);
    return v !== undefined && v !== '' && v !== null;
  }

  function next() {
    const q = QUESTIONS[stepIndex];
    if (!isAnswered(q)) {
      const err = document.getElementById('tb-onboarding-error');
      if (err) err.style.display = 'block';
      return;
    }
    // Walk forward over invisible questions until we find a visible
    // one — branching means the next visible question may not be the
    // immediate stepIndex + 1.
    let nextIdx = stepIndex + 1;
    while (nextIdx < QUESTIONS.length && !isVisible(QUESTIONS[nextIdx])) nextIdx += 1;
    if (nextIdx >= QUESTIONS.length) return finish();
    stepIndex = nextIdx;
    renderStep();
  }

  function prev() {
    // Walk backward over invisible questions for the same reason.
    let prevIdx = stepIndex - 1;
    while (prevIdx >= 0 && !isVisible(QUESTIONS[prevIdx])) prevIdx -= 1;
    if (prevIdx < 0) { renderIntro(); return; }
    stepIndex = prevIdx;
    renderStep();
  }

  function finish() {
    const result = TB.tracks.assign(workingAnswers);
    TB.state.set('onboarding', {
      complete: true,
      answers: workingAnswers,
      completedAt: new Date().toISOString(),
    });
    TB.state.set('tracks', result.tracks);
    TB.state.set('modules.unlocked', result.modules);

    // Sync display-name answers into the profile so the dashboard
    // shows the personalized title. Empty answer = clear; trim
    // whitespace; tolerate the case where profile didn't exist yet.
    const profile = TB.state.get('profile') || {};
    const nameEn = (workingAnswers.display_name || '').trim();
    const nameJa = (workingAnswers.display_name_ja || '').trim();
    if (nameEn) profile.displayName = nameEn;
    profile.displayNameJa = nameJa || profile.displayNameJa || '';
    TB.state.set('profile', profile);

    // Sync separation date into veteran.service.discharge_date so the
    // Veteran module's benefit-window calculations work without the
    // user having to enter the date twice. Only writes if onboarding
    // captured a value AND the existing service record doesn't have
    // one yet (don't clobber user-entered service info).
    if (workingAnswers.separation_date) {
      const vet = TB.state.get('veteran') || {};
      vet.service = vet.service || {};
      if (!vet.service.discharge_date) {
        vet.service.discharge_date = workingAnswers.separation_date;
        TB.state.set('veteran', vet);
      }
    }

    // Sync the new v2 answers into their respective modules so users
    // don't have to re-discover the relevant pickers/toggles.
    syncToModuleState(workingAnswers);

    document.dispatchEvent(new CustomEvent('tb:onboarding-complete', { detail: result }));
  }

  // ────────────────────────────────────────────────────────────────────
  // MODULE-STATE SYNC
  // ────────────────────────────────────────────────────────────────────
  //
  // Called from both finish() and saveSingleAnswer(). For each new v2
  // answer, write into the corresponding module's state if the user
  // explicitly set a value. We DO NOT clobber existing module-level
  // state (the picker the user adjusted by hand wins) — only fill in
  // when the module field is null/undefined OR matches the previous
  // onboarding-derived value.

  function syncToModuleState(answers) {
    if (!answers) return;

    // jp_filing_responsibility → tax_coordinator.jp_filing_responsibility
    if (answers.jp_filing_responsibility) {
      const coord = TB.state.get('tax_coordinator') || {};
      const cur = coord.jp_filing_responsibility;
      // Only set when the user hasn't already overridden it via the
      // Tax Coordinator picker (cur is null/undefined or equals 'auto').
      if (cur == null || cur === 'auto' || cur === answers.jp_filing_responsibility) {
        coord.jp_filing_responsibility = answers.jp_filing_responsibility;
        TB.state.set('tax_coordinator', coord);
      }
    }

    // healthcare_coverage → healthcare.coverage_types[]
    if (Array.isArray(answers.healthcare_coverage) && answers.healthcare_coverage.length) {
      const hc = TB.state.get('healthcare') || {};
      // Don't clobber if user has already curated the list themselves
      // (we treat any non-empty existing list as user-touched).
      if (!Array.isArray(hc.coverage_types) || hc.coverage_types.length === 0) {
        hc.coverage_types = answers.healthcare_coverage.slice();
        TB.state.set('healthcare', hc);
      }
    }

    // retirement_horizon → decumulation.retirement_horizon
    if (answers.retirement_horizon) {
      const dec = TB.state.get('decumulation') || {};
      if (!dec.retirement_horizon) {
        dec.retirement_horizon = answers.retirement_horizon;
        TB.state.set('decumulation', dec);
      }
    }

    // fx_platforms → fx_banking.platforms_used[] (pre-fills which
    // platform tiles get unlocked / surfaced first in the FX module).
    if (Array.isArray(answers.fx_platforms) && answers.fx_platforms.length) {
      const fx = TB.state.get('fx_banking') || {};
      if (!Array.isArray(fx.platforms_used) || fx.platforms_used.length === 0) {
        fx.platforms_used = answers.fx_platforms.slice();
        TB.state.set('fx_banking', fx);
      }
    }

    // ai_consent → settings.ai_consent + appropriate downstream toggles.
    // 'off' explicitly disables AI features by clearing the API key
    // is too aggressive (user may have paid for credits) — instead we
    // store the consent posture and let modules check it before any
    // call. The Settings card surfaces this with a banner.
    if (answers.ai_consent) {
      TB.state.set('settings.ai_consent', answers.ai_consent);
    }

    // consultations_history → consultations.suggested_starting_point
    // Pre-fills the empty state so the module doesn't look bare on
    // first open. We don't auto-create log entries (no facts to put
    // in them) — just record the user's posture so the module can
    // show a relevant CTA ("Add your CPA's contact?" vs "Find a CPA").
    if (answers.consultations_history) {
      const cons = TB.state.get('consultations') || {};
      if (!cons.suggested_starting_point) {
        cons.suggested_starting_point = answers.consultations_history;
        TB.state.set('consultations', cons);
      }
    }

    // non_sofa_jp_income → tax_coordinator.manual_overrides.has_non_sofa_jp_income
    // Used by the Tax Coordinator to decide whether 確定申告 is required
    // even for SOFA holders.
    if (answers.non_sofa_jp_income) {
      const coord = TB.state.get('tax_coordinator') || {};
      coord.manual_overrides = coord.manual_overrides || {};
      if (coord.manual_overrides.has_non_sofa_jp_income == null) {
        coord.manual_overrides.has_non_sofa_jp_income = (answers.non_sofa_jp_income === 'yes');
        TB.state.set('tax_coordinator', coord);
      }
    }

    // birth_year + biological_sex → health_tracker.preferences
    // Used by Health Tracker for screening filtering and Medicare IEP
    // detection in Decumulation / Healthcare.
    if (answers.birth_year || answers.biological_sex) {
      const ht = TB.state.get('health_tracker') || {};
      ht.preferences = ht.preferences || {};
      if (answers.birth_year && /^\d{4}$/.test(String(answers.birth_year))) {
        const by = parseInt(answers.birth_year, 10);
        if (by > 1900 && by < 2100) {
          ht.preferences.age = new Date().getFullYear() - by;
        }
      }
      if (answers.biological_sex && !ht.preferences.sex) {
        ht.preferences.sex = answers.biological_sex;
      }
      TB.state.set('health_tracker', ht);
    }
  }

  // Convenience wrapper for Profile → Quick edit. Navigates to the
  // dashboard view first, then mounts the wizard in single-edit mode.
  // Caller passes the question id and (optionally) where to return to.
  function startEditOne(questionId, returnTo) {
    const view = document.getElementById('tb-view');
    if (!view) return;
    start(view, { editQuestionId: questionId, returnTo: returnTo || 'profile' });
  }

  window.TB = window.TB || {};
  window.TB.onboarding = { start, startEditOne, loadQuestions };
})();

</script>

  <script data-source="scripts/customize.js">
/* Taigan Bridge — customize.js
 *
 * Per-module section visibility infrastructure.
 *
 * Each module declares a SECTIONS registry — an array of:
 *   { id: 'unique', label_en, label_jp, description_en?, description_jp?,
 *     auto_show: () => boolean, always: false }
 *
 * Conditional rendering becomes:
 *
 *   if (TB.customize.isSectionEnabled('family', 'nationality_choice', autoFn)) {
 *     container.appendChild(buildNationalityChoiceCard());
 *   }
 *
 * The user override takes precedence; otherwise the auto-detection
 * predicate decides. State lives in
 * settings.module_customizations.{moduleId}.enabled_sections.{sectionId}
 * with values: true | false | null (null = use auto-detection).
 *
 * Each module appends TB.customize.buildPanel(moduleId, SECTIONS) at the
 * bottom of its render() so users can flip any section on or off.
 */

(function () {
  'use strict';

  function getOverrides(moduleId) {
    const all = TB.state.get('settings.module_customizations') || {};
    return (all[moduleId] && all[moduleId].enabled_sections) || {};
  }

  function setOverride(moduleId, sectionId, value) {
    const all = TB.state.get('settings.module_customizations') || {};
    if (!all[moduleId]) all[moduleId] = { enabled_sections: {} };
    if (!all[moduleId].enabled_sections) all[moduleId].enabled_sections = {};
    if (value === null) delete all[moduleId].enabled_sections[sectionId];
    else all[moduleId].enabled_sections[sectionId] = value;
    TB.state.set('settings.module_customizations', all);
  }

  // Returns true/false based on user override OR auto-detection predicate.
  function isSectionEnabled(moduleId, sectionId, autoFn) {
    const overrides = getOverrides(moduleId);
    if (sectionId in overrides) {
      const v = overrides[sectionId];
      if (v === true) return true;
      if (v === false) return false;
      // null falls through to auto
    }
    if (typeof autoFn === 'function') {
      try { return !!autoFn(); }
      catch (err) { console.warn('[customize] auto-show predicate failed:', err); return true; }
    }
    return true;
  }

  // Returns the current override state for a section: 'auto' | 'on' | 'off'.
  function getSectionState(moduleId, sectionId) {
    const overrides = getOverrides(moduleId);
    if (!(sectionId in overrides)) return 'auto';
    if (overrides[sectionId] === true) return 'on';
    if (overrides[sectionId] === false) return 'off';
    return 'auto';
  }

  // Builds the bottom-of-module Customize panel. `sections` is the
  // module's SECTIONS registry. Sections marked `always: true` aren't
  // shown (no toggle for required sections).
  function buildPanel(moduleId, sections) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const togglable = sections.filter((s) => !s.always);
    if (togglable.length === 0) return el('div', { style: { display: 'none' } });

    const card = el('div', { class: 'tb-card', 'data-print-hide': '' });
    const details = el('details', null);
    details.appendChild(el('summary', {
      style: { cursor: 'pointer', fontWeight: '600' },
    }, '⚙ ' + t('customize.title')));

    details.appendChild(el('p', { class: 'tb-card-meta' }, t('customize.intro')));

    const list = el('div', {
      style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-2)' },
    });
    togglable.forEach((s) => {
      const state = getSectionState(moduleId, s.id);
      const autoVisible = typeof s.auto_show === 'function'
        ? (function () { try { return !!s.auto_show(); } catch (e) { return true; } })()
        : true;
      const effective = state === 'auto' ? autoVisible : state === 'on';

      const row = el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
        },
      });

      // Left: label + auto-state hint
      const left = el('div', { style: { flex: '1', minWidth: '180px' } });
      left.appendChild(el('div', {
        style: { fontWeight: '500',
          color: effective ? 'var(--tb-text)' : 'var(--tb-text-soft)' },
      },
        (effective ? '✓ ' : '○ ') +
        (lang === 'ja' ? s.label_jp : s.label_en)));
      const desc = lang === 'ja' ? s.description_jp : s.description_en;
      if (desc) {
        left.appendChild(el('div', {
          class: 'tb-field-help', style: { marginTop: '2px' },
        }, desc));
      }
      // Auto-state hint
      const autoHint = state === 'auto'
        ? '(' + t('customize.auto') + ': ' +
          (autoVisible ? t('customize.shown') : t('customize.hidden')) + ')'
        : '';
      if (autoHint) {
        left.appendChild(el('div', {
          style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)', marginTop: '2px', fontStyle: 'italic' },
        }, autoHint));
      }
      row.appendChild(left);

      // Right: tri-state select
      const sel = el('select', {
        class: 'tb-select',
        style: { maxWidth: '140px' },
        onchange: (e) => {
          const v = e.target.value;
          if (v === 'auto') setOverride(moduleId, s.id, null);
          else if (v === 'on')  setOverride(moduleId, s.id, true);
          else if (v === 'off') setOverride(moduleId, s.id, false);
          // Trigger module rerender via the standard navigation event;
          // each module listens for state changes through its own re-render path.
          document.dispatchEvent(new CustomEvent('tb:customize-changed', {
            detail: { moduleId, sectionId: s.id, value: v },
          }));
        },
      },
        el('option', { value: 'auto', selected: state === 'auto' }, t('customize.opt.auto')),
        el('option', { value: 'on',   selected: state === 'on' },   t('customize.opt.on')),
        el('option', { value: 'off',  selected: state === 'off' },  t('customize.opt.off')),
      );
      row.appendChild(sel);

      list.appendChild(row);
    });
    details.appendChild(list);

    // Reset all
    details.appendChild(el('div', { style: { marginTop: 'var(--tb-sp-3)', textAlign: 'right' } },
      el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => {
          const all = TB.state.get('settings.module_customizations') || {};
          if (all[moduleId]) {
            delete all[moduleId];
            TB.state.set('settings.module_customizations', all);
            document.dispatchEvent(new CustomEvent('tb:customize-changed', {
              detail: { moduleId, reset: true },
            }));
          }
        },
      }, t('customize.reset'))));

    card.appendChild(details);
    return card;
  }

  // Modules call this in their setup to listen for customize changes
  // and re-render. Returns the unsubscribe function.
  function onChange(moduleId, callback) {
    const handler = (e) => {
      if (!e.detail) return;
      if (e.detail.moduleId === moduleId) callback(e.detail);
    };
    document.addEventListener('tb:customize-changed', handler);
    return () => document.removeEventListener('tb:customize-changed', handler);
  }

  window.TB = window.TB || {};
  window.TB.customize = {
    isSectionEnabled,
    setOverride,
    getSectionState,
    buildPanel,
    onChange,
  };
})();

</script>
  <script data-source="scripts/modules/profile.js">
/* Taigan Bridge — modules/profile.js
 *
 * Profile — the user-facing summary of their state. Used to:
 *   - See which tracks are active and WHY (derivation reasoning)
 *   - Review and verify onboarding answers grouped by category
 *   - See quick-stat tiles of how populated each module is
 *   - Jump to settings (theme, language, AI key, FX, export/import)
 *
 * Design: rich and structured rather than the previous flat dl + chip
 * strip. Each onboarding answer is rendered with a human label and
 * decoded value (e.g., "DoD Contractor" instead of "dod_contractor").
 */

(function () {
  'use strict';

  const id = 'profile';

  // ====================================================================
  // Reference data — human-readable labels for onboarding answers
  // ====================================================================

  // Maps onboarding answer KEYS to human-readable labels per language.
  const ANSWER_LABELS = {
    en: {
      display_name:             'Display name (EN)',
      display_name_ja:          'Display name (JP)',
      birth_year:               'Birth year',
      biological_sex:           'Biological sex',
      citizenship:              'Citizenship',
      in_japan:                 'Currently in Japan',
      years_in_japan:           'Years in Japan',
      visa:                     'Visa / SOFA status',
      employment:               'Employment',
      separation_date:          'Separation date',
      veteran:                  'Veteran status',
      juminhyo:                 '住民票 registered',
      tax_status:               'JP tax status',
      non_sofa_jp_income:       'Non-SOFA JP-source income',
      family:                   'Family situation',
      real_estate:              'JP real estate',
      // v2 questions
      jp_filing_responsibility: 'JP-side filing responsibility',
      healthcare_coverage:      'Healthcare coverage',
      retirement_horizon:       'Retirement horizon',
      fx_platforms:             'FX / transfer platforms',
      ai_consent:               'AI consent posture',
      consultations_history:    'CPA / advisor history',
    },
    ja: {
      display_name:             '表示名(英語)',
      display_name_ja:          '表示名(日本語)',
      birth_year:               '生年',
      biological_sex:           '生物学的性別',
      citizenship:              '市民権',
      in_japan:                 '日本居住中',
      years_in_japan:           '日本での年数',
      visa:                     'ビザ・SOFA ステータス',
      employment:               '雇用形態',
      separation_date:          '除隊日',
      veteran:                  '退役軍人ステータス',
      juminhyo:                 '住民票登録',
      tax_status:               '日本税務ステータス',
      non_sofa_jp_income:       'SOFA 対象外の日本所得',
      family:                   '家族構成',
      real_estate:              '日本の不動産',
      // v2 questions
      jp_filing_responsibility: '日本側申告担当',
      healthcare_coverage:      '医療カバレッジ',
      retirement_horizon:       'リタイア時期',
      fx_platforms:             'FX・送金プラットフォーム',
      ai_consent:               'AI 利用方針',
      consultations_history:    'CPA・専門家の利用歴',
    },
  };

  // Maps onboarding answer VALUES (the underscored slugs) to friendly
  // display labels per key. Used to decode "dod_contractor" → "DoD
  // Contractor", etc.
  const VALUE_LABELS = {
    en: {
      // citizenship
      us_only:   'US citizen only',
      us_dual:   'Dual citizen (US + another)',
      us_lpr:    'US Lawful Permanent Resident',
      us_jp_dual: 'US-Japan dual citizen',
      // in_japan
      yes:       'Yes',
      no:        'No',
      partial:   'Yes, part of the year',
      planning:  'Not yet — planning to move',
      // years_in_japan
      under_1:   'Less than 1 year',
      '1_to_5':  '1–5 years',
      '5_to_10': '5–10 years',
      over_10:   'More than 10 years',
      na:        'Not applicable',
      // visa
      sofa:        'SOFA (US-Japan Status of Forces Agreement)',
      spouse_jp:   'Spouse of Japanese national',
      work:        'Work visa',
      permanent:   'Permanent Resident',
      long_term:   'Long-Term Resident (定住者)',
      other:       'Other / outside Japan',
      // employment
      dod_active:     'Active duty US military',
      dod_civilian:   'DoD Civilian',
      dod_contractor: 'DoD Contractor',
      us_company:     'US-company expat in Japan',
      japan_company:  'Japanese company employee',
      self:           'Self-employed / business owner',
      retired_mil:    'Retired military',
      retired_civ:    'Retired civilian',
      // veteran
      active:               'Active duty (currently serving)',
      reserve_ng:           'Reserve / National Guard',
      retired:              'Retired (20+ years OR medical retirement)',
      separated_no_dis:     'Separated — no VA disability rating',
      separated_with_dis:   'Separated — with VA disability rating',
      // juminhyo
      unsure:               'Unsure',
      // tax_status
      japan_resident:       'Japan tax resident',
      japan_filer:          'Non-permanent resident filer',
      sofa_no_file:         'SOFA — not filing in Japan',
      // family
      none:           'None of these / single',
      us_spouse:      'US-citizen spouse',
      jp_spouse:      'Japanese-national spouse',
      third_spouse:   'Spouse of another nationality',
      us_children:    'US-citizen children',
      jp_children:    'Japanese-citizen children',
      dual_children:  'Dual-citizen children (US + Japan)',
      // real_estate
      expected:       'Expect to inherit JP property',
      // jp_filing_responsibility
      auto:           'Auto-detect',
      spouse:         'Spouse / family handles JP-side',
      // biological_sex
      female:              'Female',
      male:                'Male',
      prefer_not_to_say:   'Prefer not to say',
      // healthcare_coverage
      nhi:            '国民健康保険 (NHI)',
      shi:            '社会保険・健康保険 (employer SHI)',
      tricare:        'TRICARE',
      private_intl:   'International plan (incl. employer-provided)',
      us_employer:    'US-domestic employer plan',
      fehb:           'FEHB (Federal Employees Health Benefits)',
      medicare:       'Medicare',
      va_fmp:         'VA Foreign Medical Program',
      // retirement_horizon
      already:        'Already retired',
      lt5y:           'Within 5 years',
      '5_15y':        '5–15 years',
      '15_30y':       '15–30 years',
      gt30y:          '30+ years',
      // fx_platforms
      wise:           'Wise',
      revolut:        'Revolut',
      sony_bank:      'Sony Bank',
      shinsei:        'Shinsei / SBI Shinsei',
      rakuten:        'Rakuten Bank',
      remitly:        'Remitly',
      westernunion:   'Western Union / MoneyGram',
      usaa:           'USAA wire',
      navy_fed:       'Navy Federal wire',
      broker:         'Brokerage wire',
      crypto:         'Crypto rails',
      // ai_consent
      full:           'Full — all AI features enabled',
      per_call:       'Per-call confirm before each AI request',
      vision_only:    'Vision only — document extraction only',
      off:            'Off — disable all AI',
      // consultations_history
      cpa_us_intl:    'US CPA (international)',
      cpa_us:         'US CPA (general)',
      tax_jp:         '税理士 (JP tax accountant)',
      multiple:       'Multiple professionals',
      no_yet:         'Not yet',
      no_diy:         'No — file myself',
    },
    ja: {
      us_only: '米国市民のみ', us_dual: '二重国籍(米国+他)', us_lpr: '米国永住権', us_jp_dual: '日米二重国籍',
      yes: 'はい', no: 'いいえ', partial: '年の一部', planning: '移住計画中',
      under_1: '1年未満', '1_to_5': '1〜5年', '5_to_10': '5〜10年', over_10: '10年以上', na: '該当なし',
      sofa: 'SOFA(日米地位協定)', spouse_jp: '日本人の配偶者', work: '就労ビザ', permanent: '永住者',
      long_term: '定住者', other: 'その他・国外',
      dod_active: '現役米軍', dod_civilian: '国防総省文官', dod_contractor: '国防総省契約職員',
      us_company: '米系企業の駐在', japan_company: '日系企業勤務', self: '自営・経営者',
      retired_mil: '退役軍人(年金受給)', retired_civ: '退職(民間)',
      active: '現役', reserve_ng: '予備役・州兵', retired: '退役者(20年以上または医療退役)',
      separated_no_dis: '除隊済み — VA 障害認定なし', separated_with_dis: '除隊済み — VA 障害認定あり',
      unsure: '不明',
      japan_resident: '日本納税居住者', japan_filer: '非永住者として申告', sofa_no_file: 'SOFA — 日本未申告',
      none: '該当なし', us_spouse: '米国市民の配偶者', jp_spouse: '日本人の配偶者',
      third_spouse: '他国籍の配偶者', us_children: '米国籍の子', jp_children: '日本国籍の子',
      dual_children: '日米二重国籍の子',
      expected: '日本不動産を相続予定',
      // v2 values
      auto: '自動判定', spouse: '配偶者・家族が担当',
      female: '女性', male: '男性', prefer_not_to_say: '回答しない',
      nhi: '国民健康保険(NHI)', shi: '社会保険・健康保険',
      tricare: 'TRICARE', private_intl: '国際保険(雇用主提供含む)',
      us_employer: '米国国内向け企業プラン', fehb: 'FEHB(連邦職員健康給付)',
      medicare: 'Medicare', va_fmp: 'VA 海外医療プログラム',
      already: 'リタイア済み', lt5y: '5 年以内',
      '5_15y': '5〜15 年', '15_30y': '15〜30 年', gt30y: '30 年以上',
      wise: 'Wise', revolut: 'Revolut', sony_bank: 'ソニー銀行',
      shinsei: '新生・SBI 新生', rakuten: '楽天銀行', remitly: 'Remitly',
      westernunion: 'Western Union / MoneyGram', usaa: 'USAA 海外送金',
      navy_fed: 'Navy Federal 海外送金', broker: '証券会社の海外送金',
      crypto: '暗号資産',
      full: 'フル(すべて有効)',
      per_call: '呼び出しごとに確認',
      vision_only: '画像のみ',
      off: 'オフ(AI 機能無効)',
      cpa_us_intl: '米国 CPA(国際)', cpa_us: '米国 CPA(一般)',
      tax_jp: '税理士', multiple: '複数の専門家',
      no_yet: 'まだ', no_diy: '自分で申告',
    },
  };

  function decodeValue(key, value, lang) {
    if (Array.isArray(value)) {
      return value.map((v) => decodeValue(key, v, lang)).join(', ');
    }
    if (value == null || value === '') return '—';
    const labels = (VALUE_LABELS[lang] || VALUE_LABELS.en);
    if (labels[value]) return labels[value];
    return String(value);
  }

  function answerLabel(key, lang) {
    return (ANSWER_LABELS[lang] || ANSWER_LABELS.en)[key] || key;
  }

  // ====================================================================
  // Track derivation reasoning — explains WHY each track was assigned
  // ====================================================================

  function trackReasoning(trackId, answers, lang) {
    const fam = Array.isArray(answers.family) ? answers.family : [answers.family].filter(Boolean);
    const reasons = [];
    if (trackId === 'sofa') {
      if (answers.employment === 'dod_active') reasons.push(lang === 'ja' ? '現役米軍' : 'Active duty military');
      else if (answers.employment === 'dod_civilian') reasons.push(lang === 'ja' ? '国防総省文官' : 'DoD Civilian employment');
      else if (answers.employment === 'dod_contractor') reasons.push(lang === 'ja' ? '国防総省契約職員' : 'DoD Contractor employment');
      if (answers.visa === 'sofa') reasons.push(lang === 'ja' ? 'SOFA ビザ選択' : 'SOFA visa selected');
      if (answers.juminhyo === 'no') reasons.push(lang === 'ja' ? '住民票未登録' : '住民票 not yet registered');
    } else if (trackId === 'veteran') {
      if (answers.veteran && answers.veteran !== 'no') {
        reasons.push((lang === 'ja' ? '退役軍人ステータス: ' : 'Veteran status: ') +
          decodeValue('veteran', answers.veteran, lang));
      }
    } else if (trackId === 'resident') {
      if (answers.tax_status === 'japan_resident' || answers.tax_status === 'japan_filer') {
        reasons.push((lang === 'ja' ? '税務ステータス: ' : 'Tax status: ') +
          decodeValue('tax_status', answers.tax_status, lang));
      }
      if (answers.juminhyo === 'yes') reasons.push(lang === 'ja' ? '住民票登録済み' : '住民票 registered');
      if (answers.years_in_japan === '5_to_10' || answers.years_in_japan === 'over_10') {
        reasons.push((lang === 'ja' ? '日本居住: ' : 'Years in Japan: ') +
          decodeValue('years_in_japan', answers.years_in_japan, lang));
      }
    } else if (trackId === 'family') {
      if (fam.indexOf('jp_spouse') !== -1) reasons.push(lang === 'ja' ? '日本人の配偶者' : 'Japanese spouse');
      if (fam.indexOf('dual_children') !== -1) reasons.push(lang === 'ja' ? '日米二重国籍の子' : 'Dual-citizen children');
      if (fam.indexOf('jp_children') !== -1) reasons.push(lang === 'ja' ? '日本国籍の子' : 'Japanese-citizen children');
    } else if (trackId === 'property') {
      if (answers.real_estate === 'yes') reasons.push(lang === 'ja' ? '日本の不動産所有' : 'Owns JP property');
      if (answers.real_estate === 'expected') reasons.push(lang === 'ja' ? '相続予定' : 'Expected inheritance');
    } else if (trackId === 'core') {
      reasons.push(lang === 'ja' ? '基本設定(他のトラック未該当時のフォールバック)' : 'Default fallback (no other tracks matched)');
    }
    return reasons.length > 0 ? reasons : [lang === 'ja' ? '理由不明' : 'No specific trigger recorded'];
  }

  // ====================================================================
  // Module population check — quick "how many modules have data?"
  // ====================================================================

  function moduleStatus() {
    const status = [];
    const accounts = (TB.state.get('assets.accounts') || []).length;
    const fbarAccounts = (TB.state.get('fbar.accounts') || []).length;
    const docs = (TB.state.get('documentVault.items') || []).length;
    const familyMembers = (TB.state.get('family.members') || []).length;
    const properties = (TB.state.get('property.properties') || []).length;
    const snapshots = (TB.state.get('assets.snapshots') || []).length;
    const giftLog = (TB.state.get('family.gifts_log') || []).length;
    const conversations = (TB.state.get('ai_assistant.conversations') || []).length;

    function row(label, count, unitEn, unitJa) {
      const lang = TB.i18n.getLang();
      return { label, count, unit: lang === 'ja' ? unitJa : unitEn, populated: count > 0 };
    }
    status.push(row(TB.i18n.t('profile.modstat.assets'),    accounts,      'accounts',  '口座'));
    status.push(row(TB.i18n.t('profile.modstat.fbar'),       fbarAccounts,  'accounts',  '口座'));
    status.push(row(TB.i18n.t('profile.modstat.docs'),       docs,          'items',     '件'));
    status.push(row(TB.i18n.t('profile.modstat.family'),     familyMembers, 'members',   '名'));
    status.push(row(TB.i18n.t('profile.modstat.property'),   properties,    'properties','件'));
    status.push(row(TB.i18n.t('profile.modstat.snapshots'),  snapshots,     'snapshots', '件'));
    status.push(row(TB.i18n.t('profile.modstat.gifts'),      giftLog,       'entries',   '件'));
    status.push(row(TB.i18n.t('profile.modstat.ai_chats'),   conversations, 'chats',     '会話'));
    return status;
  }

  // ====================================================================
  // Render
  // ====================================================================

  function render(container) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    container.innerHTML = '';

    const onboarding = TB.state.get('onboarding') || {};
    const answers = onboarding.answers || {};
    const tracks = TB.state.get('tracks') || [];
    const profileState = TB.state.get('profile') || {};
    const completedAt = onboarding.completedAt
      ? TB.utils.formatDate(onboarding.completedAt, lang)
      : null;

    if (!onboarding.complete) {
      container.appendChild(
        el('div', { class: 'tb-card', 'data-track': 'core' },
          el('h2', null, t('profile.title')),
          el('p', { class: 'tb-wizard-help' }, t('profile.empty')),
          el('div', { class: 'tb-btn-row' },
            el('button', {
              class: 'tb-btn',
              onclick: () => document.dispatchEvent(new CustomEvent('tb:start-onboarding')),
            }, t('onboarding.start')),
          ),
        ),
      );
      return;
    }

    container.appendChild(buildHeaderCard(profileState, completedAt));
    container.appendChild(buildQuickStatsCard());
    container.appendChild(buildTracksCard(tracks, answers, lang));
    container.appendChild(buildAnswersCard(answers, lang));
    container.appendChild(buildModuleStatusCard());
    container.appendChild(buildSettingsShortcutsCard());
    container.appendChild(buildDataCard());
  }

  // ─── Header — name + initials avatar + completion date ──────────

  function buildHeaderCard(profileState, completedAt) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const nameEn = (profileState.displayName || '').trim();
    const nameJa = (profileState.displayNameJa || '').trim();
    const displayName = lang === 'ja'
      ? (nameJa || nameEn || t('profile.no_name'))
      : (nameEn || t('profile.no_name'));

    // Initials avatar — first letter of EN name (or '?' if blank)
    const initial = (nameEn || nameJa || '?').trim().slice(0, 2).toUpperCase();

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    const row = el('div', {
      style: { display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-4)', flexWrap: 'wrap' },
    });
    // Avatar circle
    row.appendChild(el('div', {
      style: {
        width: '64px', height: '64px',
        borderRadius: '50%',
        background: 'var(--tb-navy)',
        color: '#fff',
        display: 'flex', alignItems: 'center', justifyContent: 'center',
        fontWeight: '700', fontSize: 'var(--tb-fs-22)',
        flexShrink: '0',
      },
    }, initial));
    // Name + completion date
    const nameCol = el('div', { style: { flex: '1', minWidth: '180px' } });
    nameCol.appendChild(el('h1', { style: { margin: 0, fontSize: 'var(--tb-fs-22)' } }, displayName));
    if (nameEn && nameJa && nameEn !== nameJa) {
      nameCol.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
        lang === 'ja' ? nameEn : nameJa));
    }
    if (completedAt) {
      nameCol.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: '4px' } },
        t('profile.onboarded_on') + ': ' + completedAt));
    }
    row.appendChild(nameCol);
    card.appendChild(row);
    return card;
  }

  // ─── Quick stats — at-a-glance numbers ──────────────────────────

  function buildQuickStatsCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const tracks = TB.state.get('tracks') || [];
    const unlocked = TB.state.get('modules.unlocked') || [];
    let actionCount = 0;
    try {
      if (TB.actionCenter && typeof TB.actionCenter.deriveActions === 'function') {
        actionCount = TB.actionCenter.deriveActions().length;
      }
    } catch (err) { /* swallow */ }

    let lastReview = null;
    try {
      const reviews = TB.state.get('net_worth.reviews') || [];
      if (reviews.length > 0) lastReview = reviews[reviews.length - 1].completed_at;
    } catch (err) { /* swallow */ }

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📊 ' + t('profile.section.quickstats')));

    function tile(label, value, hint, color) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-2)', border: '1px solid var(--tb-border)',
          borderTop: '3px solid ' + (color || 'var(--tb-slate)'),
        },
      },
        el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginBottom: '4px' } }, label),
        el('div', { style: { fontWeight: '700', fontSize: 'var(--tb-fs-22)', fontFamily: 'var(--tb-font-mono)' } }, value),
        hint ? el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginTop: '4px' } }, hint) : null,
      );
    }
    const grid = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(160px, 1fr))', gap: 'var(--tb-sp-3)' },
    });
    grid.appendChild(tile(t('profile.stat.tracks'), String(tracks.length),
      tracks.length > 0 ? t('profile.stat.tracks_active') : null));
    grid.appendChild(tile(t('profile.stat.modules'), String(unlocked.length),
      t('profile.stat.modules_unlocked')));
    grid.appendChild(tile(t('profile.stat.actions'), String(actionCount),
      actionCount > 0 ? t('profile.stat.actions_open') : t('profile.stat.actions_caught_up'),
      actionCount > 0 ? 'var(--tb-warn)' : 'var(--tb-success)'));
    grid.appendChild(tile(t('profile.stat.last_review'),
      lastReview ? new Date(lastReview).toLocaleDateString() : '—',
      lastReview ? null : t('profile.stat.last_review_none')));
    card.appendChild(grid);
    return card;
  }

  // ─── Tracks card with derivation reasoning ──────────────────────

  function buildTracksCard(tracks, answers, lang) {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🧭 ' + t('profile.section.tracks')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('profile.tracks.intro')));

    if (tracks.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('profile.tracks.empty')));
      return card;
    }

    tracks.forEach((tk) => {
      const reasons = trackReasoning(tk, answers, lang);
      const label = (TB.tracks && typeof TB.tracks.trackLabel === 'function')
        ? TB.tracks.trackLabel(tk, lang) : tk;
      // Build the row — track name on left with colored chip, reasoning on right
      const row = el('div', {
        style: {
          display: 'grid', gridTemplateColumns: '180px 1fr', gap: 'var(--tb-sp-3)',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)', alignItems: 'baseline',
        },
        'data-track': tk,
      });
      // Left: chip showing track color + name (with explicit fallback
      // to prevent the "blank chip" render bug)
      row.appendChild(el('span', {
        class: 'tb-badge tb-badge--track',
        'data-track': tk,
        style: {
          display: 'inline-block',
          padding: '4px 10px',
          fontWeight: '700',
          fontSize: 'var(--tb-fs-12)',
          letterSpacing: '0.04em',
          textTransform: 'uppercase',
          color: '#fff',
          background: 'var(--tb-track, var(--tb-navy))',
          borderRadius: 'var(--tb-radius-pill)',
          textAlign: 'center',
          alignSelf: 'start',
        },
      }, label || tk.toUpperCase()));
      // Right: derivation reasons + module link
      const rightCol = el('div', null);
      rightCol.appendChild(el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginBottom: '4px' } },
        t('profile.tracks.triggered_by') + ':'));
      const ul = el('ul', { style: { paddingLeft: '20px', margin: 0 } });
      reasons.forEach((r) => ul.appendChild(el('li', { style: { fontSize: 'var(--tb-fs-14)' } }, r)));
      rightCol.appendChild(ul);
      // Module link if any
      const moduleId = ({ sofa: 'sofa-roth', veteran: 'veteran', resident: 'resident', family: 'family', property: 'property' })[tk];
      if (moduleId && TB.modules && TB.modules[moduleId]) {
        rightCol.appendChild(el('div', { style: { marginTop: 'var(--tb-sp-2)' } },
          el('a', { href: '#', style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)' },
            onclick: (e) => {
              e.preventDefault();
              document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: moduleId } }));
            } }, '↗ ' + t('profile.tracks.open_module'))));
      }
      row.appendChild(rightCol);
      card.appendChild(row);
    });

    return card;
  }

  // ─── Onboarding answers — grouped by category, decoded values ──

  function buildAnswersCard(answers, lang) {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    const groups = [
      { id: 'identity',    label: t('profile.group.identity'),
        keys: ['display_name', 'display_name_ja', 'birth_year', 'biological_sex', 'citizenship'] },
      { id: 'residency',   label: t('profile.group.residency'),
        keys: ['in_japan', 'years_in_japan', 'visa', 'juminhyo', 'tax_status', 'non_sofa_jp_income'] },
      { id: 'employment',  label: t('profile.group.employment'),
        keys: ['employment'] },
      { id: 'veteran',     label: t('profile.group.veteran'),
        keys: ['veteran', 'separation_date'] },
      { id: 'family',      label: t('profile.group.family'),
        keys: ['family', 'jp_filing_responsibility'] },
      { id: 'property',    label: t('profile.group.property'),
        keys: ['real_estate'] },
      // New v2 question groups
      { id: 'health',      label: t('profile.group.health'),
        keys: ['healthcare_coverage'] },
      { id: 'planning',    label: t('profile.group.planning'),
        keys: ['retirement_horizon', 'consultations_history'] },
      { id: 'tools',       label: t('profile.group.tools'),
        keys: ['fx_platforms', 'ai_consent'] },
    ];

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '📝 ' + t('profile.section.answers')),
      el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => document.dispatchEvent(new CustomEvent('tb:start-onboarding')),
      }, '↻ ' + t('profile.rerun')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('profile.answers.intro')));

    groups.forEach((g) => {
      // Only render group if it has at least one answered key
      const filledKeys = g.keys.filter((k) =>
        answers[k] != null && answers[k] !== '' &&
        !(Array.isArray(answers[k]) && answers[k].length === 0));
      if (filledKeys.length === 0) return;

      card.appendChild(el('div', {
        style: {
          marginTop: 'var(--tb-sp-3)', marginBottom: 'var(--tb-sp-2)',
          fontSize: '11px', fontWeight: '600', letterSpacing: '0.06em',
          textTransform: 'uppercase', color: 'var(--tb-text-soft)',
        },
      }, g.label));

      // Render every key in the group, even if unanswered, so the user
      // sees the full set of questions and can fill in gaps via the
      // edit pencil. Filled and unanswered rows render differently
      // (dim placeholder for the latter).
      const dl = el('dl', { class: 'tb-dl' });
      g.keys.forEach((k) => {
        const isAnswered = answers[k] != null && answers[k] !== '' &&
          !(Array.isArray(answers[k]) && answers[k].length === 0);
        // Only show unanswered rows for v2 questions (the new ones we
        // expect users to fill in). Skip unanswered rows for legacy v1
        // questions to keep the card tidy for users who haven't re-run.
        const isV2Question = ['jp_filing_responsibility', 'healthcare_coverage',
          'retirement_horizon', 'fx_platforms', 'ai_consent',
          'consultations_history', 'non_sofa_jp_income',
          'birth_year', 'biological_sex'].indexOf(k) !== -1;
        if (!isAnswered && !isV2Question) return;
        const dt = el('dt', null, answerLabel(k, lang));
        const valueNode = isAnswered
          ? el('span', null, decodeValue(k, answers[k], lang))
          : el('em', { style: { color: 'var(--tb-text-soft)' } }, t('profile.answers.not_set'));
        const editBtn = el('button', {
          class: 'tb-btn tb-btn--ghost',
          type: 'button',
          title: t('profile.answers.edit_one'),
          'aria-label': t('profile.answers.edit_one'),
          style: {
            padding: '0 6px', marginLeft: 'var(--tb-sp-2)',
            fontSize: '12px', color: 'var(--tb-text-soft)',
          },
          onclick: () => {
            if (TB.onboarding && typeof TB.onboarding.startEditOne === 'function') {
              TB.onboarding.startEditOne(k, 'profile');
            } else {
              document.dispatchEvent(new CustomEvent('tb:start-onboarding'));
            }
          },
        }, '✎');
        const dd = el('dd', null, valueNode, editBtn);
        dl.appendChild(dt);
        dl.appendChild(dd);
      });
      card.appendChild(dl);
    });

    return card;
  }

  // ─── Module population overview ─────────────────────────────────

  function buildModuleStatusCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const status = moduleStatus();
    const populated = status.filter((s) => s.populated).length;

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📦 ' + t('profile.section.modstat')));
    card.appendChild(el('p', { class: 'tb-card-meta' },
      t('profile.modstat.intro', { populated, total: status.length })));

    const grid = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(220px, 1fr))', gap: 'var(--tb-sp-2)' },
    });
    status.forEach((s) => {
      grid.appendChild(el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          borderLeft: '3px solid ' + (s.populated ? 'var(--tb-success)' : 'var(--tb-text-soft)'),
        },
      },
        el('span', { style: { fontWeight: s.populated ? '600' : '400',
          color: s.populated ? 'var(--tb-text)' : 'var(--tb-text-soft)' } },
          (s.populated ? '✓ ' : '○ ') + s.label),
        el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)',
          color: s.populated ? 'var(--tb-text)' : 'var(--tb-text-soft)' } },
          s.count + ' ' + s.unit),
      ));
    });
    card.appendChild(grid);

    return card;
  }

  // ─── Settings shortcuts ────────────────────────────────────────

  function buildSettingsShortcutsCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const settings = TB.state.get('settings') || {};
    const apiKeySet = !!(settings.apiKey && settings.apiKey.startsWith('sk-ant-'));
    const lang = TB.i18n.getLang();

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '⚙ ' + t('profile.section.settings')));

    function shortcut(label, value, valueColor, action) {
      const row = el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)', gap: 'var(--tb-sp-3)',
        },
      });
      row.appendChild(el('div', null,
        el('div', { style: { fontWeight: '600' } }, label),
        el('div', { class: 'tb-field-help', style: { marginTop: '2px',
          color: valueColor || 'var(--tb-text-soft)' } }, value),
      ));
      if (action) {
        row.appendChild(el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
          onclick: action,
        }, '↗ ' + t('profile.settings.open')));
      }
      return row;
    }

    card.appendChild(shortcut(
      t('profile.settings.api_key'),
      apiKeySet ? '✓ ' + t('profile.settings.api_key_set') : '⚠ ' + t('profile.settings.api_key_missing'),
      apiKeySet ? 'var(--tb-success)' : 'var(--tb-warn)',
      () => document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'settings' } })),
    ));
    card.appendChild(shortcut(
      t('profile.settings.theme'),
      (document.documentElement.getAttribute('data-theme') || 'light') === 'dark' ? t('profile.settings.theme_dark') : t('profile.settings.theme_light'),
      null,
      () => {
        const cur = document.documentElement.getAttribute('data-theme') || 'light';
        const next = cur === 'dark' ? 'light' : 'dark';
        document.documentElement.setAttribute('data-theme', next);
        try { localStorage.setItem('tb-theme', next); } catch (e) { /* ignore */ }
      },
    ));
    card.appendChild(shortcut(
      t('profile.settings.language'),
      lang === 'ja' ? '日本語' : 'English',
      null,
      () => TB.i18n.setLang(lang === 'en' ? 'ja' : 'en'),
    ));
    return card;
  }

  // ─── Data management ───────────────────────────────────────────

  function buildDataCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '💾 ' + t('profile.section.data')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('profile.data.intro')));

    const btnRow = el('div', { class: 'tb-btn-row', style: { display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' } });
    btnRow.appendChild(el('button', {
      class: 'tb-btn tb-btn--secondary', type: 'button',
      style: { fontSize: 'var(--tb-fs-12)', padding: '6px 12px' },
      onclick: () => {
        const json = TB.state.export();
        const blob = new Blob([json], { type: 'application/json' });
        const url = URL.createObjectURL(blob);
        const a = document.createElement('a');
        a.href = url;
        a.download = 'taigan-bridge-state-' + new Date().toISOString().slice(0, 10) + '.json';
        document.body.appendChild(a); a.click(); document.body.removeChild(a);
        URL.revokeObjectURL(url);
      },
    }, '⬇ ' + t('profile.data.export')));
    btnRow.appendChild(el('button', {
      class: 'tb-btn tb-btn--secondary', type: 'button',
      style: { fontSize: 'var(--tb-fs-12)', padding: '6px 12px' },
      onclick: () => {
        const input = document.createElement('input');
        input.type = 'file';
        input.accept = 'application/json,.json';
        input.onchange = (e) => {
          const f = e.target.files[0];
          if (!f) return;
          const reader = new FileReader();
          reader.onload = () => {
            try {
              if (!confirm(t('profile.data.import_confirm'))) return;
              TB.state.import(reader.result);
              alert(t('profile.data.import_success'));
              render(document.getElementById('tb-view'));
            } catch (err) {
              alert(t('profile.data.import_error') + ': ' + err.message);
            }
          };
          reader.readAsText(f);
        };
        input.click();
      },
    }, '⬆ ' + t('profile.data.import')));
    btnRow.appendChild(el('button', {
      class: 'tb-btn tb-btn--ghost', type: 'button',
      style: { fontSize: 'var(--tb-fs-12)', padding: '6px 12px' },
      onclick: () => document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'settings' } })),
    }, t('profile.data.open_settings')));
    card.appendChild(btnRow);

    return card;
  }

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = { id, label_en: 'Profile', label_jp: 'プロフィール', render };
})();

</script>
  <script data-source="scripts/modules/fbar.js">
/* Taigan Bridge — modules/fbar.js (v0.2.1)
 *
 * FBAR (FinCEN Form 114) tracker. Multi-filer household with
 * normalized tables under state.fbar:
 *
 *   filers[]            — household members who file (or might file)
 *   accounts[]          — foreign financial accounts
 *   yearly_balances[]   — one row per (account_id, year)
 *   filing_history[]    — confirmation of past filings
 *
 * Five sub-views, navigated by tabs:
 *   1. Overview       — at-a-glance threshold status by filer × year
 *   2. Filers         — manage household members
 *   3. Accounts       — manage foreign financial accounts
 *   4. Yearly Balances— core data entry; max balance per account-year
 *   5. Print Summary  — A4 printable per-filer-per-year deliverable
 *
 * Privacy posture:
 *   - SSN: last 4 digits only (the full number is required at the
 *     actual filing, not here).
 *   - Account number: full number stored locally (never transmitted),
 *     last 4 displayed by default with reveal-on-click.
 *   - AI integration: TB.ai.summarizeFbarForAi() returns category
 *     counts only — never raw account numbers, balances, or names.
 *
 * Threshold rule:
 *   FBAR is required if at any point during the calendar year the
 *   AGGREGATE max value across ALL the filer's foreign financial
 *   accounts EXCEEDED $10,000 USD. Joint accounts: each U.S. person
 *   joint owner reports the FULL account value. Signature authority
 *   without financial interest still triggers reporting.
 */

(function () {
  'use strict';

  const id = 'fbar';
  const REQUIRED_DISCLAIMER_VERSION = 'v0.2.1';
  const FBAR_THRESHOLD_USD = 10000;

  // ====================================================================
  // Treasury Year-End Reporting Rates of Exchange
  // ====================================================================
  //
  // FBAR converts each account's maximum value using the U.S. Treasury
  // year-end (Dec 31) Reporting Rate of Exchange for the filing year.
  //
  // Runtime source of truth: the OFFICIAL rates are auto-fetched from the
  // Treasury Fiscal Data API when this module opens (maybeAutoRefreshTreasury
  // below) and stored in state.settings.fx.treasury_rates; fxRateFor()
  // prefers those over the table below.
  //
  // TREASURY_FX is the OFFLINE FALLBACK — used before the live fetch
  // completes or when offline. It comes from constants.js
  // (TB.constants.TREASURY_FX_FALLBACK), where the values are corrected
  // and source-stamped (JPY exact for every year; see docs/CLAIM-LEDGER.md).
  //
  // Convention: foreign currency units per 1 USD (e.g., USD/JPY = 152
  // means 1 USD = 152 JPY; convert JPY → USD by dividing).
  // ====================================================================

  const TREASURY_FX = (window.TB && TB.constants && TB.constants.TREASURY_FX_FALLBACK) || {};

  // ISO 4217 — comprehensive list covering virtually every currency
  // a U.S. expat would plausibly hold. The Treasury Fiscal Data API
  // publishes rates for most of these. Currencies outside this list
  // can still be represented via the COUNTRY_CODES "OTHER" route, but
  // this dropdown handles ~99% of cases. Keep alphabetical so adds
  // are diff-friendly.
  const SUPPORTED_CURRENCIES = [
    'USD',
    'AED', 'ALL', 'AMD', 'ANG', 'AOA', 'ARS', 'AUD', 'AZN',
    'BAM', 'BBD', 'BDT', 'BGN', 'BHD', 'BIF', 'BMD', 'BND', 'BOB', 'BRL', 'BSD', 'BWP', 'BYN', 'BZD',
    'CAD', 'CDF', 'CHF', 'CLP', 'CNY', 'COP', 'CRC', 'CVE', 'CZK',
    'DJF', 'DKK', 'DOP', 'DZD',
    'EGP', 'ETB', 'EUR',
    'FJD',
    'GBP', 'GEL', 'GHS', 'GMD', 'GNF', 'GTQ', 'GYD',
    'HKD', 'HNL', 'HTG', 'HUF',
    'IDR', 'ILS', 'INR', 'IQD', 'IRR', 'ISK',
    'JMD', 'JOD', 'JPY',
    'KES', 'KGS', 'KHR', 'KRW', 'KWD', 'KYD', 'KZT',
    'LAK', 'LBP', 'LKR', 'LRD', 'LSL',
    'MAD', 'MDL', 'MGA', 'MKD', 'MMK', 'MNT', 'MOP', 'MRU', 'MUR', 'MVR', 'MWK', 'MXN', 'MYR', 'MZN',
    'NAD', 'NGN', 'NIO', 'NOK', 'NPR', 'NZD',
    'OMR',
    'PAB', 'PEN', 'PGK', 'PHP', 'PKR', 'PLN', 'PYG',
    'QAR',
    'RON', 'RSD', 'RUB', 'RWF',
    'SAR', 'SBD', 'SCR', 'SDG', 'SEK', 'SGD', 'SLL', 'SOS', 'SRD', 'SSP', 'STN', 'SVC', 'SZL',
    'THB', 'TJS', 'TMT', 'TND', 'TOP', 'TRY', 'TTD', 'TWD', 'TZS',
    'UAH', 'UGX', 'UYU', 'UZS',
    'VES', 'VND', 'VUV',
    'WST',
    'XAF', 'XCD', 'XOF', 'XPF',
    'YER',
    'ZAR', 'ZMW', 'ZWL',
  ];

  // Countries where U.S. expats commonly hold accounts. Code = ISO
  // 3166-1 alpha-2. Sorted alphabetically by label except for the
  // top three (JP / US / GB) which surface first because they cover
  // the bulk of users. "OTHER" is the catch-all fallback.
  const COUNTRY_CODES = [
    { code: 'JP', label: 'Japan' },
    { code: 'US', label: 'United States' },
    { code: 'GB', label: 'United Kingdom' },
    { code: 'AE', label: 'United Arab Emirates' },
    { code: 'AR', label: 'Argentina' },
    { code: 'AT', label: 'Austria' },
    { code: 'AU', label: 'Australia' },
    { code: 'BD', label: 'Bangladesh' },
    { code: 'BE', label: 'Belgium' },
    { code: 'BR', label: 'Brazil' },
    { code: 'CA', label: 'Canada' },
    { code: 'CH', label: 'Switzerland' },
    { code: 'CL', label: 'Chile' },
    { code: 'CN', label: 'China' },
    { code: 'CO', label: 'Colombia' },
    { code: 'CR', label: 'Costa Rica' },
    { code: 'CZ', label: 'Czech Republic' },
    { code: 'DE', label: 'Germany' },
    { code: 'DK', label: 'Denmark' },
    { code: 'DO', label: 'Dominican Republic' },
    { code: 'EC', label: 'Ecuador' },
    { code: 'EG', label: 'Egypt' },
    { code: 'ES', label: 'Spain' },
    { code: 'FI', label: 'Finland' },
    { code: 'FR', label: 'France' },
    { code: 'GR', label: 'Greece' },
    { code: 'GT', label: 'Guatemala' },
    { code: 'HK', label: 'Hong Kong' },
    { code: 'HU', label: 'Hungary' },
    { code: 'ID', label: 'Indonesia' },
    { code: 'IE', label: 'Ireland' },
    { code: 'IL', label: 'Israel' },
    { code: 'IN', label: 'India' },
    { code: 'IS', label: 'Iceland' },
    { code: 'IT', label: 'Italy' },
    { code: 'JM', label: 'Jamaica' },
    { code: 'KE', label: 'Kenya' },
    { code: 'KH', label: 'Cambodia' },
    { code: 'KR', label: 'Korea' },
    { code: 'KW', label: 'Kuwait' },
    { code: 'LK', label: 'Sri Lanka' },
    { code: 'LU', label: 'Luxembourg' },
    { code: 'MA', label: 'Morocco' },
    { code: 'MT', label: 'Malta' },
    { code: 'MX', label: 'Mexico' },
    { code: 'MY', label: 'Malaysia' },
    { code: 'NG', label: 'Nigeria' },
    { code: 'NL', label: 'Netherlands' },
    { code: 'NO', label: 'Norway' },
    { code: 'NP', label: 'Nepal' },
    { code: 'NZ', label: 'New Zealand' },
    { code: 'PA', label: 'Panama' },
    { code: 'PE', label: 'Peru' },
    { code: 'PH', label: 'Philippines' },
    { code: 'PK', label: 'Pakistan' },
    { code: 'PL', label: 'Poland' },
    { code: 'PT', label: 'Portugal' },
    { code: 'QA', label: 'Qatar' },
    { code: 'RO', label: 'Romania' },
    { code: 'RU', label: 'Russia' },
    { code: 'SA', label: 'Saudi Arabia' },
    { code: 'SE', label: 'Sweden' },
    { code: 'SG', label: 'Singapore' },
    { code: 'TH', label: 'Thailand' },
    { code: 'TR', label: 'Turkey' },
    { code: 'TW', label: 'Taiwan' },
    { code: 'UA', label: 'Ukraine' },
    { code: 'UG', label: 'Uganda' },
    { code: 'UY', label: 'Uruguay' },
    { code: 'VE', label: 'Venezuela' },
    { code: 'VN', label: 'Vietnam' },
    { code: 'ZA', label: 'South Africa' },
    { code: 'OTHER', label: 'Other / not listed' },
  ];

  // ====================================================================
  // Late-filing explanation templates (FinCEN Form 114, "Other" reason)
  // ====================================================================
  //
  // The BSA E-Filing portal caps the Explanation field at 750 characters.
  // Each template below is < 750 chars and reads as a self-contained
  // narrative when pasted verbatim. Categories are auto-detected from
  // the filer record (relationship + isMinor) but the user can override.
  //
  // The narratives are intentionally generic ("the filer", not a name)
  // so they don't leak more PII into the form than necessary; FinCEN
  // already has the filer's identity from Part I. Templates remain in
  // English regardless of UI language — the BSA E-Filing form is in
  // English and the Explanation field is read by FinCEN reviewers.
  // ====================================================================

  const LATE_FILING_CATEGORIES = ['minor_in_japan', 'adult_us_in_japan', 'adult_us_dual_national', 'spouse_no_signature', 'custom'];

  const LATE_FILING_TEMPLATES = {
    minor_in_japan:
      "The filer is a minor residing in Japan and holds local Japanese financial accounts for routine living and savings. " +
      "The accounts are managed by the filer's non-U.S. parent (Japanese citizen). " +
      "The filer was unaware of U.S. FBAR reporting requirements for foreign financial accounts. " +
      "The U.S. parent had no signature authority over the accounts. " +
      "These accounts were maintained in Japan, where the filer resides, and were not established for any purpose of concealment. " +
      "Upon becoming aware of the obligation, the filer (with assistance) is submitting all required FBARs promptly. " +
      "There was no intent to conceal or misreport information.",

    adult_us_in_japan:
      "The filer is a U.S. person residing long-term in Japan. " +
      "The accounts are routine local Japanese accounts maintained for everyday living, salary deposits, and savings at the filer's place of residence. " +
      "The filer was unaware of the U.S. FBAR reporting requirement for foreign financial accounts until recently. " +
      "The accounts were not established for any purpose of concealment, were never moved or restructured to evade reporting, and produced no significant U.S. tax liability. " +
      "Upon becoming aware of the obligation, the filer is submitting all required FBARs promptly. " +
      "There was no intent to conceal or misreport information.",

    adult_us_dual_national:
      "The filer is a U.S. person by birth who has resided primarily in Japan for most of their life and holds Japanese tax residency. " +
      "All accounts in question are routine local Japanese accounts maintained at the filer's permanent residence for everyday living and savings. " +
      "The filer was unaware of the U.S. FBAR reporting requirement for foreign financial accounts. " +
      "The accounts were not established for any purpose of concealment and produced no significant U.S. tax liability. " +
      "Upon becoming aware, the filer is submitting all required FBARs promptly. " +
      "There was no intent to conceal or misreport information.",

    spouse_no_signature:
      "The filer is a U.S. person residing in Japan whose spouse is a non-U.S. person (Japanese citizen). " +
      "The accounts in question are jointly held or were opened in the spouse's name; the filer either has signature authority added for household convenience or is named as a joint owner. " +
      "The accounts are maintained at the filer's place of residence in Japan for routine living and savings. " +
      "The filer was unaware of the FBAR reporting requirement. " +
      "The accounts were not established for concealment. " +
      "Upon becoming aware, the filer is submitting all required FBARs promptly. " +
      "There was no intent to conceal.",

    custom: '',
  };

  const LATE_FILING_EXPLANATION_LIMIT = 750;

  function autoDetectLateFilingCategory(filer) {
    if (!filer) return 'custom';
    if (filer.isMinor) return 'minor_in_japan';
    if (filer.relationship === 'spouse') return 'spouse_no_signature';
    if (filer.relationship === 'self') return 'adult_us_in_japan';
    return 'custom';
  }

  // ====================================================================
  // Module-local UI state
  // ====================================================================

  let host = null;
  let activeTab = 'overview';
  let activeYear = null;
  let printState = { filerId: '', year: '' };
  let filingState = { filerId: '', year: '' };
  let revealedAccountNumbers = {};   // { [accountId]: bool }, per-session
  let dismissedBanners = {};          // { fxUnverified: bool, encryption: bool }, per-session
  let accountFilters = { filerId: '', year: '', currency: '' };
  let balancesFilterFilerId = '';     // '' = all filers
  let lastUploadFilerIds = [];        // sticky default for the upload filer chooser
  let jointUiRevealed = {};           // { [accountId]: bool } — transient "joint" toggle state for the redesigned owners section

  // ====================================================================
  // State accessors (normalized table I/O)
  // ====================================================================

  function getFilers()           { return TB.state.get('fbar.filers') || []; }
  function getAccounts()         { return TB.state.get('fbar.accounts') || []; }
  function getBalances()         { return TB.state.get('fbar.yearly_balances') || []; }
  function getFilingHistory()    { return TB.state.get('fbar.filing_history') || []; }

  function setFilers(arr)        { TB.state.set('fbar.filers', arr); }
  function setAccounts(arr)      { TB.state.set('fbar.accounts', arr); }
  function setBalances(arr)      { TB.state.set('fbar.yearly_balances', arr); }
  function setFilingHistory(arr) { TB.state.set('fbar.filing_history', arr); }

  function findFiler(id)   { return getFilers().find(f => f.id === id) || null; }
  function findAccount(id) { return getAccounts().find(a => a.id === id) || null; }

  function blankFiler() {
    return {
      id: TB.utils.uuid(),
      name_en: '',
      name_jp: '',
      ssn_last4: '',
      dob: '',
      relationship: 'self',
      isMinor: false,
      isUSPerson: true,
      filing_address: '',
      notes: '',
    };
  }

  function blankAccount() {
    return {
      id: TB.utils.uuid(),
      filer_ids: [],
      account_type: 'bank',
      institution_name: '',         // English / romanized form (used on FBAR)
      institution_name_jp: '',      // Japanese form (kanji/katakana, optional)
      institution_address: '',      // English / romanized form (used on FBAR)
      institution_address_jp: '',   // Japanese form (optional)
      account_number_full: '',
      currency: 'JPY',
      country: 'JP',
      opened_year: null,
      closed_year: null,
      signatory_only: false,
      notes: '',
    };
  }

  function blankBalance(accountId, year) {
    return {
      id: TB.utils.uuid(),
      account_id: accountId,
      year: year,
      max_balance_native: null,
      max_balance_date: '',
      fx_rate_used: null,
      fx_rate_source: '',
      fx_rate_overridden: false,
      max_balance_usd: null,
      notes: '',
    };
  }

  // True if the string contains any kanji or kana — used to route
  // a single extracted institution_name to the correct field.
  function containsJapanese(s) {
    if (!s) return false;
    // Hiragana, Katakana, CJK Unified Ideographs (kanji)
    return /[぀-ヿ㐀-䶿一-鿿]/.test(String(s));
  }

  function masked(accountNumberFull) {
    if (!accountNumberFull) return '';
    const trimmed = String(accountNumberFull).replace(/\s+/g, '');
    if (trimmed.length <= 4) return '****' + trimmed;
    return '****' + trimmed.slice(-4);
  }

  // ====================================================================
  // Year helpers
  // ====================================================================

  function defaultYear() {
    // Default to the most recently completed calendar year — that's
    // the FBAR year currently in scope between Jan 1 and Oct 15 of
    // the following year.
    const now = new Date();
    return String(now.getUTCFullYear() - 1);
  }

  function knownYears() {
    const years = new Set();
    for (const b of getBalances()) years.add(String(b.year));
    for (const a of getAccounts()) {
      if (a.opened_year) years.add(String(a.opened_year));
      if (a.closed_year) years.add(String(a.closed_year));
    }
    Object.keys(TREASURY_FX).forEach(y => years.add(y));
    if (years.size === 0) years.add(defaultYear());
    return Array.from(years).sort().reverse();
  }

  function recentSixYears() {
    // For Overview heatmap. Always show six years ending at default.
    const end = parseInt(defaultYear(), 10);
    const out = [];
    for (let y = end; y > end - 6; y--) out.push(String(y));
    return out;
  }

  function isAccountActiveInYear(account, year) {
    const y = parseInt(year, 10);
    if (account.opened_year && parseInt(account.opened_year, 10) > y) return false;
    if (account.closed_year && parseInt(account.closed_year, 10) < y) return false;
    // Fallback when opened_year is missing: treat the earliest year
    // for which the account has a NON-NULL balance entry as a soft
    // floor. This prevents accounts uploaded for years 2025-2026 from
    // appearing in 2012's balance table just because no opening date
    // was visible on the document. Placeholder balance rows (created
    // on demand by buildBalanceRow with max_balance_native = null) do
    // NOT count, so the floor is data-driven, not view-driven.
    if (!account.opened_year) {
      const balances = getBalances();
      let earliest = null;
      for (const b of balances) {
        if (b.account_id !== account.id) continue;
        if (b.max_balance_native == null) continue;
        const by = parseInt(b.year, 10);
        if (!isFinite(by)) continue;
        if (earliest === null || by < earliest) earliest = by;
      }
      if (earliest !== null && earliest > y) return false;
    }
    return true;
  }

  function fxRateFor(currency, year) {
    if (currency === 'USD') return { rate: 1, source: 'USD' };
    const yr = String(year);
    // Prefer live rates fetched from the Treasury Fiscal Data API
    // and stored in state.settings.fx.treasury_rates.
    const stateFx = (TB.state.get('settings.fx.treasury_rates') || {})[yr];
    if (stateFx && typeof stateFx[currency] === 'number') {
      const fetchedAt = TB.state.get('settings.fx.treasury_fetched_at');
      const stamp = fetchedAt ? String(fetchedAt).slice(0, 10) : '';
      return {
        rate: stateFx[currency],
        source: 'Treasury Year-End ' + year + (stamp ? ' (fetched ' + stamp + ')' : ''),
      };
    }
    // Fall back to the offline table (constants.js). JPY is the exact
    // official rate; refresh from Treasury for official non-JPY rates.
    const table = TREASURY_FX[yr];
    if (!table) return { rate: null, source: '' };
    const r = table[currency];
    if (!r) return { rate: null, source: '' };
    return { rate: r, source: 'Treasury Year-End ' + year + ' (offline fallback)' };
  }

  // ====================================================================
  // Treasury Fiscal Data API — live FX rate fetch
  // ====================================================================
  //
  // Endpoint: https://api.fiscaldata.treasury.gov/services/api/fiscal_service/v1/accounting/od/rates_of_exchange
  // Free, public, CORS-enabled. Returns "Reporting Rates of
  // Exchange" — the rates the U.S. Treasury publishes quarterly.
  // FBAR uses the December 31 (year-end) rate of the reporting year.
  //
  // Treasury's `country_currency_desc` field is human-readable
  // (e.g., "JAPAN-YEN") rather than ISO 4217. We map a curated
  // subset back to ISO codes.
  // ====================================================================

  const TREASURY_API = 'https://api.fiscaldata.treasury.gov/services/api/fiscal_service/v1/accounting/od/rates_of_exchange';

  // Treasury description → ISO 4217. The Fiscal Data API returns
  // entries keyed by `country_currency_desc` like "JAPAN-YEN" rather
  // than ISO codes, so we map them back. Descriptions vary slightly
  // in punctuation / wording across years; the fuzzy matcher in
  // descToCurrency() handles that. Goal: cover every currency in
  // SUPPORTED_CURRENCIES, plus common synonyms.
  const TREASURY_CURRENCY_MAP = {
    // Core (most-used)
    'JAPAN-YEN': 'JPY',
    'EURO ZONE-EURO': 'EUR',
    'UNITED KINGDOM-POUND STERLING': 'GBP',
    'UNITED KINGDOM-POUND': 'GBP',
    'CANADA-DOLLAR': 'CAD',
    'AUSTRALIA-DOLLAR': 'AUD',
    'SWITZERLAND-FRANC': 'CHF',
    'SINGAPORE-DOLLAR': 'SGD',
    'HONG KONG-DOLLAR': 'HKD',
    'KOREA-WON': 'KRW',
    'KOREA (SOUTH)-WON': 'KRW',
    'CHINA-RENMINBI': 'CNY',
    'CHINA-YUAN': 'CNY',
    'NEW ZEALAND-DOLLAR': 'NZD',
    'THAILAND-BAHT': 'THB',
    'MEXICO-PESO': 'MXN',
    'MEXICO-NEW PESO': 'MXN',
    'BRAZIL-REAL': 'BRL',
    'BRAZIL-CRUZEIRO REAL': 'BRL',
    // Nordics
    'NORWAY-KRONE': 'NOK',
    'SWEDEN-KRONA': 'SEK',
    'DENMARK-KRONE': 'DKK',
    'ICELAND-KRONA': 'ISK',
    // Middle East
    'ISRAEL-SHEKEL': 'ILS',
    'ISRAEL-NEW SHEKEL': 'ILS',
    'UNITED ARAB EMIRATES-DIRHAM': 'AED',
    'SAUDI ARABIA-RIYAL': 'SAR',
    'QATAR-RIYAL': 'QAR',
    'KUWAIT-DINAR': 'KWD',
    'BAHRAIN-DINAR': 'BHD',
    'OMAN-RIAL': 'OMR',
    'JORDAN-DINAR': 'JOD',
    'LEBANON-POUND': 'LBP',
    'IRAQ-DINAR': 'IQD',
    'YEMEN-RIAL': 'YER',
    // Asia
    'INDIA-RUPEE': 'INR',
    'PAKISTAN-RUPEE': 'PKR',
    'BANGLADESH-TAKA': 'BDT',
    'NEPAL-RUPEE': 'NPR',
    'SRI LANKA-RUPEE': 'LKR',
    'MALDIVES-RUFIYAA': 'MVR',
    'INDONESIA-RUPIAH': 'IDR',
    'MALAYSIA-RINGGIT': 'MYR',
    'PHILIPPINES-PESO': 'PHP',
    'VIETNAM-DONG': 'VND',
    'TAIWAN-DOLLAR': 'TWD',
    'TAIWAN-NEW DOLLAR': 'TWD',
    'MACAO-PATACA': 'MOP',
    'MACAU-PATACA': 'MOP',
    'CAMBODIA-RIEL': 'KHR',
    'LAOS-KIP': 'LAK',
    'MYANMAR (BURMA)-KYAT': 'MMK',
    'BURMA-KYAT': 'MMK',
    'MONGOLIA-TUGRIK': 'MNT',
    'KAZAKHSTAN-TENGE': 'KZT',
    'UZBEKISTAN-SOM': 'UZS',
    'KYRGYZSTAN-SOM': 'KGS',
    'TAJIKISTAN-SOMONI': 'TJS',
    'TURKMENISTAN-MANAT': 'TMT',
    'AZERBAIJAN-NEW MANAT': 'AZN',
    'AZERBAIJAN-MANAT': 'AZN',
    'ARMENIA-DRAM': 'AMD',
    'GEORGIA-LARI': 'GEL',
    'BRUNEI-DOLLAR': 'BND',
    'PAPUA NEW GUINEA-KINA': 'PGK',
    'FIJI-DOLLAR': 'FJD',
    'SOLOMON ISLANDS-DOLLAR': 'SBD',
    'TONGA-PA\'ANGA': 'TOP',
    'TONGA-PAANGA': 'TOP',
    'SAMOA-TALA': 'WST',
    'WESTERN SAMOA-TALA': 'WST',
    'VANUATU-VATU': 'VUV',
    'PACIFIC FRANC-FRANC': 'XPF',
    'CFP FRANC-FRANC': 'XPF',
    // Europe (non-Eurozone)
    'POLAND-ZLOTY': 'PLN',
    'CZECH REPUBLIC-KORUNA': 'CZK',
    'HUNGARY-FORINT': 'HUF',
    'ROMANIA-LEU': 'RON',
    'ROMANIA-NEW LEU': 'RON',
    'BULGARIA-LEV': 'BGN',
    'SERBIA-DINAR': 'RSD',
    'MACEDONIA-DENAR': 'MKD',
    'NORTH MACEDONIA-DENAR': 'MKD',
    'ALBANIA-LEK': 'ALL',
    'BOSNIA-MARKA': 'BAM',
    'BOSNIA AND HERZEGOVINA-MARKA': 'BAM',
    'MOLDOVA-LEU': 'MDL',
    'UKRAINE-HRYVNIA': 'UAH',
    'BELARUS-RUBLE': 'BYN',
    'BELARUS-NEW RUBLE': 'BYN',
    'RUSSIA-RUBLE': 'RUB',
    'TURKEY-LIRA': 'TRY',
    'TURKEY-NEW LIRA': 'TRY',
    // Latin America / Caribbean
    'ARGENTINA-PESO': 'ARS',
    'CHILE-PESO': 'CLP',
    'COLOMBIA-PESO': 'COP',
    'PERU-SOL': 'PEN',
    'PERU-NUEVO SOL': 'PEN',
    'VENEZUELA-BOLIVAR': 'VES',
    'VENEZUELA-BOLIVAR FUERTE': 'VES',
    'VENEZUELA-BOLIVAR SOBERANO': 'VES',
    'COSTA RICA-COLON': 'CRC',
    'DOMINICAN REPUBLIC-PESO': 'DOP',
    'GUATEMALA-QUETZAL': 'GTQ',
    'HONDURAS-LEMPIRA': 'HNL',
    'NICARAGUA-CORDOBA': 'NIO',
    'PANAMA-BALBOA': 'PAB',
    'URUGUAY-PESO': 'UYU',
    'PARAGUAY-GUARANI': 'PYG',
    'BOLIVIA-BOLIVIANO': 'BOB',
    'BELIZE-DOLLAR': 'BZD',
    'GUYANA-DOLLAR': 'GYD',
    'SURINAME-DOLLAR': 'SRD',
    'JAMAICA-DOLLAR': 'JMD',
    'TRINIDAD AND TOBAGO-DOLLAR': 'TTD',
    'TRINIDAD-DOLLAR': 'TTD',
    'BARBADOS-DOLLAR': 'BBD',
    'BAHAMAS-DOLLAR': 'BSD',
    'BERMUDA-DOLLAR': 'BMD',
    'CAYMAN ISLANDS-DOLLAR': 'KYD',
    'NETHERLANDS ANTILLES-GUILDER': 'ANG',
    'EAST CARIBBEAN-DOLLAR': 'XCD',
    'HAITI-GOURDE': 'HTG',
    'EL SALVADOR-COLON': 'SVC',
    // Africa
    'SOUTH AFRICA-RAND': 'ZAR',
    'EGYPT-POUND': 'EGP',
    'MOROCCO-DIRHAM': 'MAD',
    'TUNISIA-DINAR': 'TND',
    'ALGERIA-DINAR': 'DZD',
    'SUDAN-POUND': 'SDG',
    'SOUTH SUDAN-POUND': 'SSP',
    'ETHIOPIA-BIRR': 'ETB',
    'KENYA-SHILLING': 'KES',
    'TANZANIA-SHILLING': 'TZS',
    'UGANDA-SHILLING': 'UGX',
    'RWANDA-FRANC': 'RWF',
    'BURUNDI-FRANC': 'BIF',
    'DJIBOUTI-FRANC': 'DJF',
    'CONGO-FRANC': 'CDF',
    'CONGO, DEMOCRATIC REPUBLIC-FRANC': 'CDF',
    'NIGERIA-NAIRA': 'NGN',
    'GHANA-CEDI': 'GHS',
    'GAMBIA-DALASI': 'GMD',
    'GUINEA-FRANC': 'GNF',
    'SIERRA LEONE-LEONE': 'SLL',
    'LIBERIA-DOLLAR': 'LRD',
    'CAPE VERDE-ESCUDO': 'CVE',
    'MAURITANIA-OUGUIYA': 'MRU',
    'CENTRAL AFRICAN-FRANC': 'XAF',
    'WEST AFRICAN-FRANC': 'XOF',
    'ZAMBIA-KWACHA': 'ZMW',
    'ZIMBABWE-DOLLAR': 'ZWL',
    'MALAWI-KWACHA': 'MWK',
    'MOZAMBIQUE-METICAL': 'MZN',
    'MADAGASCAR-ARIARY': 'MGA',
    'SEYCHELLES-RUPEE': 'SCR',
    'MAURITIUS-RUPEE': 'MUR',
    'BOTSWANA-PULA': 'BWP',
    'NAMIBIA-DOLLAR': 'NAD',
    'SWAZILAND-LILANGENI': 'SZL',
    'ESWATINI-LILANGENI': 'SZL',
    'LESOTHO-LOTI': 'LSL',
    'ANGOLA-KWANZA': 'AOA',
    'SAO TOME-DOBRA': 'STN',
    'SOMALIA-SHILLING': 'SOS',
    'IRAN-RIAL': 'IRR',
  };

  function descToCurrency(desc) {
    if (!desc) return null;
    const upper = String(desc).toUpperCase().trim();
    if (TREASURY_CURRENCY_MAP[upper]) return TREASURY_CURRENCY_MAP[upper];
    // Fuzzy: split on "-" and check if either half matches.
    for (const [k, v] of Object.entries(TREASURY_CURRENCY_MAP)) {
      if (upper.startsWith(k.split('-')[0])) return v;
    }
    return null;
  }

  async function fetchTreasuryYearEnd(year) {
    const dateStr = year + '-12-31';
    const url = TREASURY_API +
      '?fields=country_currency_desc,exchange_rate,record_date' +
      '&filter=record_date:eq:' + dateStr +
      '&page[size]=200';
    const res = await fetch(url, { method: 'GET' });
    if (!res.ok) {
      throw new Error('Treasury API ' + res.status + ' for ' + dateStr);
    }
    const json = await res.json();
    const rows = (json && json.data) || [];
    const out = {};
    for (const row of rows) {
      const cur = descToCurrency(row.country_currency_desc);
      if (!cur) continue;
      const r = parseFloat(row.exchange_rate);
      if (!isFinite(r) || r <= 0) continue;
      out[cur] = r;
    }
    return out;
  }

  // Refresh Treasury rates for a list of years. Returns
  // { fetched: {year: {currency: rate}}, errors: [{year, error}] }.
  // Writes successful fetches into state.settings.fx.treasury_rates.
  async function refreshTreasuryRates(years) {
    const yearsToFetch = (years && years.length)
      ? years.slice()
      : defaultRefreshYears();
    const results = await Promise.allSettled(
      yearsToFetch.map(y => fetchTreasuryYearEnd(y).then(rates => ({ year: String(y), rates }))),
    );
    const existing = TB.state.get('settings.fx.treasury_rates') || {};
    const next = Object.assign({}, existing);
    const fetched = {};
    const errors = [];
    for (let i = 0; i < results.length; i++) {
      const r = results[i];
      const yr = String(yearsToFetch[i]);
      if (r.status === 'fulfilled') {
        if (Object.keys(r.value.rates).length > 0) {
          next[yr] = r.value.rates;
          fetched[yr] = r.value.rates;
        }
      } else {
        errors.push({ year: yr, error: String(r.reason && r.reason.message || r.reason) });
      }
    }
    TB.state.set('settings.fx.treasury_rates', next);
    TB.state.set('settings.fx.treasury_fetched_at', new Date().toISOString());
    TB.state.set('settings.fx.treasury_fetch_errors', errors);
    return { fetched, errors };
  }

  // Auto-fetch official Treasury year-end rates when the FBAR module is
  // opened, so users get correct rates without clicking Refresh. This runs
  // on module entry — NOT at app boot — which preserves the "no outbound
  // requests at boot" guarantee. Throttled to once per app load, and
  // skipped when rates were fetched within the last 7 days. Silent on
  // failure: the corrected offline fallback table (constants.js) remains.
  let autoRefreshAttempted = false;
  function maybeAutoRefreshTreasury() {
    try {
      if (autoRefreshAttempted) return;
      if (!window.TB || !TB.state) return;
      // Never auto-fetch on the hosted demo (it re-seeds; stays offline).
      if (TB.hostedDemo && TB.hostedDemo.isHostedDemo && TB.hostedDemo.isHostedDemo()) return;
      const fetchedAt = TB.state.get('settings.fx.treasury_fetched_at');
      const FRESH_MS = 7 * 24 * 60 * 60 * 1000;
      if (fetchedAt && (Date.now() - new Date(fetchedAt).getTime()) < FRESH_MS) return;
      autoRefreshAttempted = true;
      refreshTreasuryRates().then((res) => {
        if (res && res.fetched && Object.keys(res.fetched).length) {
          // Refresh the active tab so the FX reference table shows the
          // newly-fetched official rates (no-ops if FBAR isn't mounted).
          try { renderActiveTab(); } catch (_) { /* ignore */ }
        }
      }).catch(() => { /* silent — offline fallback remains in effect */ });
    } catch (_) { /* never block render */ }
  }

  function defaultRefreshYears() {
    // Fetch every year between earliest balance year and last
    // completed calendar year (FBAR uses year-end rates; the current
    // year's December 31 rate doesn't exist until next year).
    const balances = getBalances();
    const today = new Date().getUTCFullYear();
    const lastCompleted = today - 1;
    let earliest = lastCompleted - 5;
    for (const b of balances) {
      const y = parseInt(b.year, 10);
      if (isFinite(y) && y < earliest) earliest = y;
    }
    earliest = Math.max(earliest, 2015);
    const out = [];
    for (let y = earliest; y <= lastCompleted; y++) out.push(String(y));
    return out;
  }

  // ====================================================================
  // Threshold logic — pure functions
  // ====================================================================

  /**
   * For a given filer and year, return:
   *   { aggregate_usd, threshold, status, contributing_accounts, warnings }
   *
   * status ∈ {"under", "at_or_over", "insufficient_data", "not_us_person", "no_filer"}
   *
   * Rules:
   * - Aggregate sums max_balance_usd across ALL accounts where
   *   filer.id ∈ account.filer_ids, regardless of joint status.
   *   For joint accounts, the FULL account value counts for each
   *   joint US-person owner (FBAR rule).
   * - US accounts (account.country === 'US') are tracked but
   *   excluded from the FBAR aggregate.
   * - If any active account is missing a balance entry for the
   *   year, the result is "insufficient_data" (unless balances
   *   present already exceed threshold — in that case the verdict
   *   is still "at_or_over" since adding more would only raise it).
   * - Filers with isUSPerson: false are not subject to FBAR;
   *   status returns "not_us_person" with aggregate_usd: 0.
   */
  function thresholdStatus(filerId, year) {
    const filer = findFiler(filerId);
    if (!filer) {
      return { status: 'no_filer', aggregate_usd: 0, threshold: FBAR_THRESHOLD_USD, contributing_accounts: [], warnings: [] };
    }
    if (!filer.isUSPerson) {
      return { status: 'not_us_person', aggregate_usd: 0, threshold: FBAR_THRESHOLD_USD, contributing_accounts: [], warnings: [] };
    }

    const balances = getBalances();
    const accounts = getAccounts().filter(a =>
      Array.isArray(a.filer_ids) && a.filer_ids.includes(filerId)
    );
    const warnings = [];
    let total = 0;
    const contributing = [];
    let missing = 0;

    for (const acct of accounts) {
      if (acct.country === 'US') continue;            // US accounts excluded
      if (!isAccountActiveInYear(acct, year)) continue;

      const bal = balances.find(b => b.account_id === acct.id && String(b.year) === String(year));
      if (!bal || bal.max_balance_usd == null) {
        missing += 1;
        continue;
      }
      total += Number(bal.max_balance_usd);
      contributing.push(acct.id);

      // Surface FX-unverified warning per contributing currency.
      if (bal.fx_rate_source && bal.fx_rate_source.indexOf('UNVERIFIED') !== -1) {
        warnings.push('FX rate for ' + acct.currency + ' in ' + year + ' is unverified.');
      }
    }

    if (missing > 0) {
      warnings.push(missing + ' account(s) missing a balance entry for ' + year + '.');
    }

    let status;
    if (total > FBAR_THRESHOLD_USD) {
      status = 'at_or_over';   // verdict locked in regardless of missing
    } else if (missing > 0) {
      status = 'insufficient_data';
    } else if (contributing.length === 0) {
      status = 'insufficient_data';
    } else {
      status = 'under';
    }

    return {
      aggregate_usd: total,
      threshold: FBAR_THRESHOLD_USD,
      status,
      contributing_accounts: contributing,
      warnings: Array.from(new Set(warnings)),
    };
  }

  // ====================================================================
  // AI sanitizer — exposed via TB.ai.summarizeFbarForAi()
  // ====================================================================
  //
  // Returns a non-identifying category summary suitable for sending to
  // an LLM. Never includes filer names, account numbers, balances,
  // institution names, dates, or addresses. The structure is:
  //
  //   {
  //     filers: { total, us_persons, minors },
  //     accounts: { total, by_type: {bank, securities, other},
  //                 by_country: {JP: n, US: n, OTHER: n},
  //                 by_currency: {JPY: n, USD: n, ...} },
  //     years_with_data: ["2024", "2023", ...],
  //     filers_over_threshold_by_year: { "2024": [n], ... }  // count only
  //   }
  // ====================================================================

  function summarizeFbarForAi() {
    const filers = getFilers();
    const accounts = getAccounts();
    const balances = getBalances();

    const summary = {
      filers: {
        total: filers.length,
        us_persons: filers.filter(f => f.isUSPerson).length,
        minors: filers.filter(f => f.isMinor).length,
      },
      accounts: {
        total: accounts.length,
        by_type: {},
        by_country: {},
        by_currency: {},
      },
      years_with_data: [],
      filers_over_threshold_by_year: {},
    };

    for (const a of accounts) {
      summary.accounts.by_type[a.account_type] = (summary.accounts.by_type[a.account_type] || 0) + 1;
      summary.accounts.by_country[a.country] = (summary.accounts.by_country[a.country] || 0) + 1;
      summary.accounts.by_currency[a.currency] = (summary.accounts.by_currency[a.currency] || 0) + 1;
    }

    const years = new Set(balances.map(b => String(b.year)));
    summary.years_with_data = Array.from(years).sort().reverse();

    for (const y of summary.years_with_data) {
      let count = 0;
      for (const f of filers) {
        if (!f.isUSPerson) continue;
        const s = thresholdStatus(f.id, y);
        if (s.status === 'at_or_over') count += 1;
      }
      summary.filers_over_threshold_by_year[y] = count;
    }

    return summary;
  }

  // ====================================================================
  // Disclaimer ack
  // ====================================================================

  function hasAcknowledgedDisclaimer() {
    return TB.state.get('settings.disclaimer_acks.fbar') === REQUIRED_DISCLAIMER_VERSION;
  }

  function acknowledgeDisclaimer() {
    TB.state.set('settings.disclaimer_acks.fbar', REQUIRED_DISCLAIMER_VERSION);
  }

  // ====================================================================
  // Top-level render
  // ====================================================================

  function render(container) {
    host = container;
    container.innerHTML = '';

    if (!hasAcknowledgedDisclaimer()) {
      container.appendChild(buildDisclaimerCard());
      return;
    }

    if (!activeYear) activeYear = defaultYear();

    // Pull official Treasury year-end rates on entering FBAR (throttled,
    // silent fallback to the corrected offline table). Not at app boot.
    maybeAutoRefreshTreasury();

    container.appendChild(buildShellCard());
    const tabHost = TB.utils.el('div', { id: 'tb-fbar-tab-host' });
    container.appendChild(tabHost);
    renderActiveTab();
  }

  function renderActiveTab() {
    const tabHost = host && host.querySelector('#tb-fbar-tab-host');
    if (!tabHost) return;
    tabHost.innerHTML = '';
    switch (activeTab) {
      case 'filers':   renderFilers(tabHost);   break;
      case 'accounts': renderAccounts(tabHost); break;
      case 'balances': renderBalances(tabHost); break;
      case 'filing':   renderFiling(tabHost);   break;
      case 'print':    renderPrint(tabHost);    break;
      default:         renderOverview(tabHost);
    }
  }

  // ====================================================================
  // Disclaimer modal (rendered in-line inside the module container)
  // ====================================================================

  function buildDisclaimerCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    return el('div', { class: 'tb-card', 'data-track': 'core' },
      el('h1', null, t('fbar.title')),
      el('p', null, t('fbar.subtitle')),
      el('h2', null, t('fbar.disclaimer.modal.title')),
      el('div', { class: 'tb-disclaimer-inline' }, t('fbar.disclaimer.modal.body')),
      el('div', { class: 'tb-btn-row' },
        el('button', {
          class: 'tb-btn',
          onclick: () => { acknowledgeDisclaimer(); render(host); },
        }, t('fbar.disclaimer.modal.acknowledge')),
      ),
    );
  }

  // ====================================================================
  // Shell — title + subtitle + tabs + persistent banners
  // ====================================================================

  function buildShellCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    const tabs = [
      { id: 'overview', label: t('fbar.tab.overview') },
      { id: 'filers',   label: t('fbar.tab.filers') },
      { id: 'accounts', label: t('fbar.tab.accounts') },
      { id: 'balances', label: t('fbar.tab.balances') },
      { id: 'filing',   label: t('fbar.tab.filing') },
      { id: 'print',    label: t('fbar.tab.print') },
    ];

    const tabBar = el('div', {
      class: 'tb-fbar-tabs',
      style: { display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-3)' },
    },
      ...tabs.map(tab => el('button', {
        class: 'tb-btn ' + (activeTab === tab.id ? '' : 'tb-btn--secondary'),
        onclick: () => { activeTab = tab.id; renderActiveTab(); render(host); },
      }, tab.label)),
    );

    const card = el('div', { class: 'tb-card', 'data-track': 'core' },
      el('h1', null, t('fbar.title')),
      el('p', { class: 'tb-card-meta' }, t('fbar.subtitle')),
      tabBar,
    );

    if (!dismissedBanners.fxUnverified) {
      card.appendChild(buildBanner('fxUnverified', t('fbar.banner.fx-unverified'), 'warn'));
    }
    if (!dismissedBanners.encryption) {
      card.appendChild(buildBanner('encryption', t('fbar.banner.encryption.notice'), 'warn'));
    }
    return card;
  }

  function buildBanner(key, text, severity) {
    const el = TB.utils.el;
    const colorVar = severity === 'error' ? 'var(--tb-error)' : 'var(--tb-warn)';
    const wrap = el('div', {
      class: 'tb-disclaimer-inline',
      style: { borderLeftColor: colorVar, display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)' },
    },
      el('span', null, text),
      el('button', {
        class: 'tb-btn tb-btn--ghost',
        onclick: () => { dismissedBanners[key] = true; render(host); },
      }, TB.i18n.t('fbar.banner.dismiss')),
    );
    return wrap;
  }

  // ====================================================================
  // OVERVIEW
  // ====================================================================

  function renderOverview(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const filers = getFilers();
    const accounts = getAccounts();
    const lang = TB.i18n.getLang();

    if (filers.length === 0) {
      tabHost.appendChild(emptyCard(t('fbar.overview.empty.no-filers'), () => {
        activeTab = 'filers'; render(host);
      }, t('fbar.filers.add')));
      return;
    }
    if (accounts.length === 0) {
      tabHost.appendChild(emptyCard(t('fbar.overview.empty.no-accounts'), () => {
        activeTab = 'accounts'; render(host);
      }, t('fbar.accounts.add')));
      return;
    }

    // Heatmap card.
    const years = recentSixYears();
    const heatmapCard = el('div', { class: 'tb-card', 'data-track': 'core' },
      el('h2', null, t('fbar.overview.title')),
      el('p', { class: 'tb-card-meta' }, t('fbar.overview.threshold.legend')),
    );

    const table = el('table', {
      class: 'tb-fbar-heatmap',
      style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-14)' },
    });
    const thead = el('thead', null,
      el('tr', null,
        el('th', { style: thStyle() }, t('fbar.tab.filers')),
        ...years.map(y => el('th', { style: thStyle('center') }, y)),
      ),
    );
    table.appendChild(thead);

    const tbody = el('tbody');
    for (const filer of filers) {
      const row = el('tr');
      const labelCell = el('td', { style: tdStyle() },
        el('strong', null, displayName(filer, lang) || '—'),
        filer.isMinor ? el('div', { class: 'tb-card-meta' }, t('fbar.overview.minor-note')) : null,
        !filer.isUSPerson ? el('div', { class: 'tb-card-meta' }, '(non-U.S. person — not subject to FBAR)') : null,
      );
      row.appendChild(labelCell);

      for (const y of years) {
        const status = thresholdStatus(filer.id, y);
        const filingRec = getFilingRecord(filer.id, y);
        const isFiled = !!(filingRec && filingRec.filed_on);
        const cellLabel = formatHeatCell(status) + (isFiled ? ' ✓' : '');
        const cell = el('td', { style: tdStyle('center') }, cellLabel);
        cell.title = heatmapTitle(filer, y, status, t)
          + (isFiled ? '\n\n✓ Filed on ' + filingRec.filed_on
              + (filingRec.bsa_id ? ' (BSA ID ' + filingRec.bsa_id + ')' : '') : '');
        if (isFiled && status.status === 'at_or_over') {
          // Threshold met AND filed — flip from warn to success.
          cell.style.background = 'rgba(47, 111, 78, 0.14)';
          cell.style.color = 'var(--tb-success)';
          cell.style.fontWeight = '600';
        } else if (status.status === 'at_or_over') {
          cell.style.background = 'rgba(185, 122, 26, 0.18)';
          cell.style.color = 'var(--tb-warn)';
          cell.style.fontWeight = '600';
        } else if (status.status === 'under') {
          cell.style.background = 'rgba(47, 111, 78, 0.14)';
          cell.style.color = 'var(--tb-success)';
        } else if (status.status === 'not_us_person') {
          cell.style.color = 'var(--tb-text-soft)';
        } else {
          cell.style.color = 'var(--tb-text-soft)';
        }
        row.appendChild(cell);
      }
      tbody.appendChild(row);
    }
    table.appendChild(tbody);
    heatmapCard.appendChild(table);
    tabHost.appendChild(heatmapCard);

    // Required-filing call-outs, split into two buckets:
    //   - outstanding: threshold met AND no filing recorded → warning
    //   - filed:       threshold met AND filing_history has filed_on → success
    // The user toggles "I have filed this" on the Filing tab to move
    // entries from outstanding → filed.
    const outstanding = [];
    const filed = [];
    for (const filer of filers) {
      if (!filer.isUSPerson) continue;
      for (const y of years) {
        const s = thresholdStatus(filer.id, y);
        if (s.status !== 'at_or_over') continue;
        const rec = getFilingRecord(filer.id, y);
        if (rec && rec.filed_on) {
          filed.push({ filer, year: y, status: s, record: rec });
        } else {
          outstanding.push({ filer, year: y, status: s });
        }
      }
    }
    if (outstanding.length > 0) {
      const calloutCard = el('div', { class: 'tb-card', 'data-track': 'core' });
      calloutCard.appendChild(el('h2', null, '⚠ ' + t('fbar.threshold.required.headline')));
      for (const r of outstanding) {
        calloutCard.appendChild(el('div', {
          class: 'tb-disclaimer-inline',
          style: { borderLeftColor: 'var(--tb-warn)' },
        }, t('fbar.overview.threshold.required', { name: displayName(r.filer, lang), year: r.year })));
      }
      tabHost.appendChild(calloutCard);
    }
    if (filed.length > 0) {
      const filedCard = el('div', { class: 'tb-card', 'data-track': 'core' });
      filedCard.appendChild(el('h2', null, '✓ ' + t('fbar.overview.filed.headline')));
      for (const r of filed) {
        filedCard.appendChild(el('div', {
          class: 'tb-disclaimer-inline',
          style: { borderLeftColor: 'var(--tb-success, #2f6f4e)' },
        }, t('fbar.overview.filed.body', {
          name: displayName(r.filer, lang),
          year: r.year,
          date: r.record.filed_on,
          bsa: r.record.bsa_id ? ' · BSA ID ' + r.record.bsa_id : '',
        })));
      }
      tabHost.appendChild(filedCard);
    }

    // Quick links card.
    const ql = el('div', { class: 'tb-card', 'data-track': 'core' },
      el('h2', null, t('fbar.overview.quicklinks')),
      el('div', { class: 'tb-btn-row' },
        el('button', { class: 'tb-btn tb-btn--secondary', onclick: () => { activeTab = 'accounts'; render(host); } }, t('fbar.overview.ql.add-account')),
        el('button', { class: 'tb-btn tb-btn--secondary', onclick: () => { activeTab = 'balances'; render(host); } }, t('fbar.overview.ql.add-balance')),
        el('button', { class: 'tb-btn tb-btn--secondary', onclick: () => { activeTab = 'filing'; render(host); } }, t('fbar.overview.ql.filing')),
        el('button', { class: 'tb-btn tb-btn--secondary', onclick: () => { activeTab = 'print'; render(host); } }, t('fbar.overview.ql.print-year', { year: defaultYear() })),
      ),
    );
    tabHost.appendChild(ql);
  }

  function formatHeatCell(status) {
    if (status.status === 'no_filer') return '—';
    if (status.status === 'not_us_person') return 'N/A';
    if (status.status === 'insufficient_data') return '?';
    if (status.aggregate_usd == null) return '—';
    return TB.utils.formatUSD(status.aggregate_usd, { maximumFractionDigits: 0 });
  }

  function heatmapTitle(filer, year, status, t) {
    if (status.status === 'at_or_over') {
      return t('fbar.threshold.required.body', { year, aggregate: TB.utils.formatUSD(status.aggregate_usd) });
    }
    if (status.status === 'under') {
      return t('fbar.threshold.under.body', { year, aggregate: TB.utils.formatUSD(status.aggregate_usd) });
    }
    if (status.status === 'insufficient_data') {
      return t('fbar.threshold.insufficient.body', { year });
    }
    return '';
  }

  function thStyle(align) {
    return {
      borderBottom: '1px solid var(--tb-border)',
      padding: 'var(--tb-sp-2) var(--tb-sp-3)',
      textAlign: align || 'left',
      fontWeight: '600',
      color: 'var(--tb-text-soft)',
      fontSize: 'var(--tb-fs-12)',
      textTransform: 'uppercase',
      letterSpacing: '0.04em',
    };
  }

  function tdStyle(align) {
    return {
      borderBottom: '1px solid var(--tb-border)',
      padding: 'var(--tb-sp-3)',
      textAlign: align || 'left',
      verticalAlign: 'top',
    };
  }

  function emptyCard(text, onAction, actionLabel) {
    const el = TB.utils.el;
    return el('div', { class: 'tb-card', 'data-track': 'core' },
      el('p', { class: 'tb-wizard-help' }, text),
      onAction
        ? el('div', { class: 'tb-btn-row' },
            el('button', { class: 'tb-btn', onclick: onAction }, actionLabel),
          )
        : null,
    );
  }

  function displayName(filer, lang) {
    if (lang === 'ja' && filer.name_jp) return filer.name_jp;
    return filer.name_en || filer.name_jp || '';
  }

  // ====================================================================
  // FILERS
  // ====================================================================

  function renderFilers(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const filers = getFilers();

    const card = el('div', { class: 'tb-card', 'data-track': 'core' },
      el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-3)' } },
        el('h2', { style: { margin: 0 } }, t('fbar.filers.title')),
        el('button', { class: 'tb-btn', onclick: addFiler }, '+ ' + t('fbar.filers.add')),
      ),
      el('p', { class: 'tb-card-meta' }, t('fbar.filers.intro')),
    );

    if (filers.length === 0) {
      card.appendChild(el('p', { class: 'tb-wizard-help' }, t('fbar.filers.empty')));
    }
    tabHost.appendChild(card);

    for (let i = 0; i < filers.length; i++) {
      tabHost.appendChild(buildFilerCard(filers[i], i));
    }
  }

  function buildFilerCard(filer, idx) {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    function bind(field, parser) {
      return (e) => {
        const target = e.target;
        const raw = target.type === 'checkbox' ? target.checked : target.value;
        const val = parser ? parser(raw) : raw;
        const filers = getFilers();
        if (!filers[idx]) return;
        filers[idx] = Object.assign({}, filers[idx], { [field]: val });
        setFilers(filers);
      };
    }

    return el('div', { class: 'tb-card', 'data-track': 'core', style: { background: 'var(--tb-bg)' } },
      el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', marginBottom: 'var(--tb-sp-3)' } },
        el('strong', null, displayName(filer, TB.i18n.getLang()) || ('Filer ' + (idx + 1))),
        el('button', {
          class: 'tb-btn tb-btn--ghost',
          onclick: () => removeFiler(filer.id),
        }, '× ' + t('fbar.filers.delete')),
      ),

      grid2col(
        field(t('fbar.filers.name_en'), el('input', {
          class: 'tb-input', type: 'text', value: filer.name_en || '', oninput: bind('name_en'),
        })),
        field(t('fbar.filers.name_jp'), el('input', {
          class: 'tb-input', type: 'text', value: filer.name_jp || '', oninput: bind('name_jp'), lang: 'ja',
        }), t('fbar.filers.name_jp.help')),
      ),

      grid2col(
        field(t('fbar.filers.relationship'), el('select', {
          class: 'tb-select', onchange: bind('relationship'),
        },
          el('option', { value: 'self',      selected: filer.relationship === 'self' },      t('fbar.filers.relationship.self')),
          el('option', { value: 'spouse',    selected: filer.relationship === 'spouse' },    t('fbar.filers.relationship.spouse')),
          el('option', { value: 'child',     selected: filer.relationship === 'child' },     t('fbar.filers.relationship.child')),
          el('option', { value: 'dependent', selected: filer.relationship === 'dependent' }, t('fbar.filers.relationship.dependent')),
        )),
        field(t('fbar.filers.dob'), buildYearMonthDayPicker(filer.dob || '', (val) => {
          const filers = getFilers();
          if (!filers[idx]) return;
          filers[idx] = Object.assign({}, filers[idx], { dob: val });
          setFilers(filers);
        })),
      ),

      grid2col(
        field(t('fbar.filers.ssn_last4'),
          el('input', {
            class: 'tb-input', type: 'text', maxlength: '4', inputmode: 'numeric',
            placeholder: '1234', value: filer.ssn_last4 || '',
            oninput: bind('ssn_last4', (v) => String(v).replace(/\D/g, '').slice(0, 4)),
            autocomplete: 'off',
          }),
          t('fbar.filers.ssn_last4.help'),
        ),
        field(t('fbar.filers.address'), el('input', {
          class: 'tb-input', type: 'text', value: filer.filing_address || '', oninput: bind('filing_address'),
        })),
      ),

      el('div', { style: { display: 'flex', gap: 'var(--tb-sp-4)', flexWrap: 'wrap', marginBottom: 'var(--tb-sp-3)' } },
        el('label', { class: 'tb-checkbox', style: { flex: '1 1 280px' } },
          el('input', { type: 'checkbox', checked: !!filer.isMinor, onchange: bind('isMinor') }),
          el('div', null,
            el('div', null, t('fbar.filers.isMinor')),
            el('small', null, t('fbar.filers.isMinor.help')),
          ),
        ),
        el('label', { class: 'tb-checkbox', style: { flex: '1 1 280px' } },
          el('input', { type: 'checkbox', checked: !!filer.isUSPerson, onchange: bind('isUSPerson') }),
          el('div', null,
            el('div', null, t('fbar.filers.isUSPerson')),
            el('small', null, t('fbar.filers.isUSPerson.help')),
          ),
        ),
      ),

      field(t('fbar.filers.notes'), el('textarea', {
        class: 'tb-textarea', oninput: bind('notes'),
      }, filer.notes || '')),
    );
  }

  function addFiler() {
    openFilerModal(null);   // null = new filer
  }

  function editFiler(filerId) {
    openFilerModal(filerId); // existing filer id = edit mode
  }

  // Modal-based filer add / edit. For ADD: holds a working copy in
  // module state; commits to TB.state only on Save. For EDIT: starts
  // from a clone of the existing filer; replaces it on Save.
  function openFilerModal(filerId) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const isEdit = !!filerId;
    const original = isEdit ? findFiler(filerId) : null;
    if (isEdit && !original) return;

    // Working copy — separate from state, mutated only by the modal
    // form's input handlers. Cancel discards; Save commits.
    let working = isEdit
      ? Object.assign({}, original)
      : Object.assign(blankFiler(), {
          relationship: getFilers().length === 0 ? 'self' : 'spouse',
        });

    let modalRoot = document.getElementById('tb-modal-root');
    if (!modalRoot) {
      modalRoot = el('div', { id: 'tb-modal-root' });
      document.body.appendChild(modalRoot);
    }
    function closeModal() { modalRoot.innerHTML = ''; }

    function bind(field, parser) {
      return (e) => {
        const target = e.target;
        const raw = target.type === 'checkbox' ? target.checked : target.value;
        working[field] = parser ? parser(raw) : raw;
      };
    }

    function save() {
      // Validate: at least name_en or name_jp required.
      if (!working.name_en && !working.name_jp) {
        alert(t('fbar.filers.modal.nameRequired'));
        return;
      }
      const filers = getFilers();
      if (isEdit) {
        const i = filers.findIndex(f => f.id === filerId);
        if (i >= 0) {
          filers[i] = Object.assign({}, filers[i], working);
          setFilers(filers);
        }
      } else {
        filers.push(working);
        setFilers(filers);
      }
      closeModal();
      renderActiveTab();
    }

    const card = el('div', { class: 'tb-modal' },
      el('h2', { style: { marginTop: 0 } },
        isEdit ? t('fbar.filers.modal.editTitle') : t('fbar.filers.modal.addTitle'),
      ),

      grid2col(
        field(t('fbar.filers.name_en') + ' *',
          el('input', {
            class: 'tb-input', type: 'text', value: working.name_en || '',
            placeholder: 'BENJAMIN EICHHORN',
            oninput: bind('name_en'),
          }),
        ),
        field(t('fbar.filers.name_jp'),
          el('input', {
            class: 'tb-input', type: 'text', value: working.name_jp || '',
            placeholder: 'アイコーン ベンジャミン',
            oninput: bind('name_jp'), lang: 'ja',
          }),
          t('fbar.filers.name_jp.help'),
        ),
      ),

      grid2col(
        field(t('fbar.filers.relationship'),
          el('select', { class: 'tb-select', onchange: bind('relationship') },
            el('option', { value: 'self',      selected: working.relationship === 'self' },      t('fbar.filers.relationship.self')),
            el('option', { value: 'spouse',    selected: working.relationship === 'spouse' },    t('fbar.filers.relationship.spouse')),
            el('option', { value: 'child',     selected: working.relationship === 'child' },     t('fbar.filers.relationship.child')),
            el('option', { value: 'dependent', selected: working.relationship === 'dependent' }, t('fbar.filers.relationship.dependent')),
          ),
        ),
        field(t('fbar.filers.dob'),
          buildYearMonthDayPicker(working.dob || '', (val) => {
            working.dob = val;
          }),
        ),
      ),

      grid2col(
        field(t('fbar.filers.ssn_last4'),
          el('input', {
            class: 'tb-input', type: 'text', maxlength: '4', inputmode: 'numeric',
            placeholder: '1234', value: working.ssn_last4 || '',
            oninput: bind('ssn_last4', (v) => String(v).replace(/\D/g, '').slice(0, 4)),
            autocomplete: 'off',
          }),
          t('fbar.filers.ssn_last4.help'),
        ),
        field(t('fbar.filers.address'),
          el('input', {
            class: 'tb-input', type: 'text', value: working.filing_address || '',
            oninput: bind('filing_address'),
          }),
        ),
      ),

      el('div', { style: { display: 'flex', gap: 'var(--tb-sp-3)', flexWrap: 'wrap', marginBottom: 'var(--tb-sp-3)' } },
        el('label', { class: 'tb-checkbox', style: { flex: '1 1 280px' } },
          el('input', { type: 'checkbox', checked: !!working.isMinor, onchange: bind('isMinor') }),
          el('div', null,
            el('div', null, t('fbar.filers.isMinor')),
            el('small', null, t('fbar.filers.isMinor.help')),
          ),
        ),
        el('label', { class: 'tb-checkbox', style: { flex: '1 1 280px' } },
          el('input', { type: 'checkbox', checked: !!working.isUSPerson, onchange: bind('isUSPerson') }),
          el('div', null,
            el('div', null, t('fbar.filers.isUSPerson')),
            el('small', null, t('fbar.filers.isUSPerson.help')),
          ),
        ),
      ),

      field(t('fbar.filers.notes'),
        el('textarea', {
          class: 'tb-textarea',
          oninput: bind('notes'),
        }, working.notes || ''),
      ),

      el('div', { class: 'tb-btn-row' },
        el('button', { class: 'tb-btn tb-btn--secondary', onclick: closeModal },
          t('fbar.action.cancel')),
        el('button', { class: 'tb-btn', onclick: save },
          isEdit ? t('fbar.filers.modal.saveEdit') : t('fbar.filers.modal.saveAdd')),
      ),
    );

    const backdrop = el('div', {
      class: 'tb-modal-backdrop',
      onclick: (e) => { if (e.target === backdrop) closeModal(); },
    }, card);
    modalRoot.appendChild(backdrop);
  }

  function removeFiler(filerId) {
    const filer = findFiler(filerId);
    if (!filer) return;
    const name = displayName(filer, TB.i18n.getLang()) || 'this filer';
    if (!confirm(TB.i18n.t('fbar.filers.delete.confirm', { name }))) return;
    setFilers(getFilers().filter(f => f.id !== filerId));
    // Unlink from accounts but don't delete the accounts (user
    // may want to keep records or re-assign).
    const accounts = getAccounts().map(a =>
      Object.assign({}, a, { filer_ids: (a.filer_ids || []).filter(id => id !== filerId) })
    );
    setAccounts(accounts);
    renderActiveTab();
  }

  // ====================================================================
  // ACCOUNTS
  // ====================================================================

  function renderAccounts(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const allAccounts = getAccounts();
    const filers = getFilers();

    // Upload button wrapped in a small drop-target card so users can
    // drag a passbook/statement/screenshot onto it as an alternative
    // to clicking the button + using the OS file picker. The card
    // and the button both end up routing through processUploadedFile.
    const uploadCard = el('div', {
      style: {
        display: 'inline-flex', alignItems: 'center', gap: 'var(--tb-sp-2)',
        padding: '4px 10px',
        border: '1px dashed var(--tb-border)',
        borderRadius: 'var(--tb-radius-2)',
        background: 'var(--tb-bg)',
      },
    },
      el('button', {
        class: 'tb-btn tb-btn--secondary',
        onclick: openUploadDialog,
        title: t('fbar.upload.button.tooltip'),
      }, '⬆ ' + t('fbar.upload.button')),
      el('span', {
        style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' },
      }, t('fbar.upload.dropHint')),
    );
    TB.utils.attachFileDrop(uploadCard, {
      accept: ['image/png','image/jpeg','image/jpg','image/webp','image/gif','application/pdf','.pdf'],
      text: '⤓ ' + t('fbar.upload.drop'),
      onFile: (f) => processUploadedFile(f),
    });

    const headerCard = el('div', { class: 'tb-card', 'data-track': 'core' },
      el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-3)' } },
        el('h2', { style: { margin: 0 } }, t('fbar.accounts.title')),
        el('div', { class: 'tb-btn-row', style: { margin: 0, display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)' } },
          uploadCard,
          el('button', { class: 'tb-btn', onclick: addAccount }, '+ ' + t('fbar.accounts.add')),
        ),
      ),
      el('p', { class: 'tb-card-meta' }, t('fbar.accounts.intro')),
      buildAccountFilters(filers),
    );
    tabHost.appendChild(headerCard);

    const filtered = applyAccountFilters(allAccounts);

    if (filtered.length === 0) {
      tabHost.appendChild(emptyCard(allAccounts.length === 0 ? t('fbar.accounts.empty') : 'No accounts match the current filters.'));
      return;
    }

    for (const acct of filtered) {
      tabHost.appendChild(buildAccountCard(acct));
    }
  }

  function buildAccountFilters(filers) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const allCurrencies = Array.from(new Set(getAccounts().map(a => a.currency))).sort();
    const allYears = knownYears();

    return el('div', { style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(180px, 1fr))', gap: 'var(--tb-sp-3)', marginTop: 'var(--tb-sp-3)' } },
      field(t('fbar.accounts.filter.byFiler'), el('select', {
        class: 'tb-select',
        onchange: (e) => { accountFilters.filerId = e.target.value; renderActiveTab(); },
      },
        el('option', { value: '', selected: !accountFilters.filerId }, t('fbar.accounts.filter.all')),
        ...filers.map(f => el('option', {
          value: f.id, selected: accountFilters.filerId === f.id,
        }, displayName(f, TB.i18n.getLang()) || '—')),
      )),
      field(t('fbar.accounts.filter.byYear'), el('select', {
        class: 'tb-select',
        onchange: (e) => { accountFilters.year = e.target.value; renderActiveTab(); },
      },
        el('option', { value: '', selected: !accountFilters.year }, t('fbar.accounts.filter.all')),
        ...allYears.map(y => el('option', { value: y, selected: accountFilters.year === y }, y)),
      )),
      field(t('fbar.accounts.filter.byCurrency'), el('select', {
        class: 'tb-select',
        onchange: (e) => { accountFilters.currency = e.target.value; renderActiveTab(); },
      },
        el('option', { value: '', selected: !accountFilters.currency }, t('fbar.accounts.filter.all')),
        ...allCurrencies.map(c => el('option', { value: c, selected: accountFilters.currency === c }, c)),
      )),
    );
  }

  function applyAccountFilters(accounts) {
    return accounts.filter(a => {
      if (accountFilters.filerId && !(a.filer_ids || []).includes(accountFilters.filerId)) return false;
      if (accountFilters.year && !isAccountActiveInYear(a, accountFilters.year)) return false;
      if (accountFilters.currency && a.currency !== accountFilters.currency) return false;
      return true;
    });
  }

  function buildAccountCard(acct) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const filers = getFilers();
    const lang = TB.i18n.getLang();
    const ownerNames = (acct.filer_ids || [])
      .map(id => filers.find(f => f.id === id))
      .filter(Boolean)
      .map(f => displayName(f, lang))
      .join(', ') || '—';

    function bind(field, parser) {
      return (e) => {
        const target = e.target;
        const raw = target.type === 'checkbox' ? target.checked : target.value;
        const val = parser ? parser(raw) : raw;
        const accounts = getAccounts();
        const i = accounts.findIndex(a => a.id === acct.id);
        if (i < 0) return;
        accounts[i] = Object.assign({}, accounts[i], { [field]: val });
        setAccounts(accounts);
      };
    }

    function bindSelect(field, parser) {
      return (e) => {
        const accounts = getAccounts();
        const i = accounts.findIndex(a => a.id === acct.id);
        if (i < 0) return;
        const val = parser ? parser(e.target.value) : e.target.value;
        accounts[i] = Object.assign({}, accounts[i], { [field]: val });
        setAccounts(accounts);
        renderActiveTab(); // currency/country changes affect display
      };
    }

    function toggleOwner(filerId, on) {
      const accounts = getAccounts();
      const i = accounts.findIndex(a => a.id === acct.id);
      if (i < 0) return;
      const set = new Set(accounts[i].filer_ids || []);
      if (on) set.add(filerId); else set.delete(filerId);
      accounts[i] = Object.assign({}, accounts[i], { filer_ids: Array.from(set) });
      setAccounts(accounts);
      renderActiveTab();
    }

    // Display name in card header: prefer English; if absent, fall
    // back to the Japanese form so newly-uploaded passbooks (which
    // typically only extract the Japanese name) still have a label.
    const displayInst = acct.institution_name
      || acct.institution_name_jp
      || '(unnamed account)';
    const altInst = (acct.institution_name && acct.institution_name_jp)
      ? acct.institution_name_jp
      : null;

    const head = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', marginBottom: 'var(--tb-sp-3)', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
    },
      el('div', null,
        el('strong', null, displayInst),
        altInst
          ? el('span', { class: 'tb-card-meta', style: { marginLeft: 'var(--tb-sp-2)' }, lang: 'ja' }, '/ ' + altInst)
          : null,
        el('div', { class: 'tb-card-meta' },
          acct.country + ' · ' + acct.currency + ' · ' +
          t('fbar.accounts.account_type.' + acct.account_type) + ' · ' +
          (acct.closed_year
            ? t('fbar.accounts.status.closed', { year: acct.closed_year })
            : t('fbar.accounts.status.open')),
        ),
        el('div', { class: 'tb-card-meta' }, t('fbar.accounts.col.owners') + ': ' + ownerNames),
      ),
      el('div', { class: 'tb-btn-row', style: { margin: 0 } },
        el('button', {
          class: 'tb-btn tb-btn--secondary',
          onclick: () => openEnrichConsentModal(acct.id),
          title: t('fbar.enrich.button.tooltip'),
          disabled: !acct.institution_name && !acct.institution_name_jp,
        }, '✨ ' + t('fbar.enrich.button')),
        el('button', {
          class: 'tb-btn tb-btn--ghost',
          onclick: () => removeAccount(acct.id),
        }, '× ' + t('fbar.accounts.delete')),
      ),
    );

    const grid = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(220px, 1fr))', gap: 'var(--tb-sp-3)' },
    },
      field(t('fbar.accounts.institution_name'),
        el('input', {
          class: 'tb-input', type: 'text', value: acct.institution_name || '',
          placeholder: 'e.g. Akita Bank',
          oninput: bind('institution_name'),
        }),
        t('fbar.accounts.institution_name.help'),
      ),
      field(t('fbar.accounts.institution_name_jp'),
        el('input', {
          class: 'tb-input', type: 'text', value: acct.institution_name_jp || '',
          placeholder: 'e.g. 秋田銀行',
          oninput: bind('institution_name_jp'),
          lang: 'ja',
        }),
      ),
      field(t('fbar.accounts.institution_address'),
        el('input', {
          class: 'tb-input', type: 'text', value: acct.institution_address || '',
          placeholder: 'e.g. 3-2-1 Sanno, Akita-shi, Akita 010-8655, Japan',
          oninput: bind('institution_address'),
        }),
        t('fbar.accounts.institution_address.help'),
      ),
      field(t('fbar.accounts.institution_address_jp'),
        el('input', {
          class: 'tb-input', type: 'text', value: acct.institution_address_jp || '',
          placeholder: 'e.g. 〒010-8655 秋田県秋田市山王三丁目2番1号',
          oninput: bind('institution_address_jp'),
          lang: 'ja',
        }),
      ),
      buildAccountNumberField(acct),
      field(t('fbar.accounts.account_type'), el('select', {
        class: 'tb-select', onchange: bindSelect('account_type'),
      },
        el('option', { value: 'bank', selected: acct.account_type === 'bank' }, t('fbar.accounts.account_type.bank')),
        el('option', { value: 'securities', selected: acct.account_type === 'securities' }, t('fbar.accounts.account_type.securities')),
        el('option', { value: 'other', selected: acct.account_type === 'other' }, t('fbar.accounts.account_type.other')),
      )),
      field(t('fbar.accounts.currency'), el('select', {
        class: 'tb-select', onchange: bindSelect('currency'),
      },
        ...SUPPORTED_CURRENCIES.map(c => el('option', { value: c, selected: acct.currency === c }, c)),
      )),
      field(t('fbar.accounts.country'), el('select', {
        class: 'tb-select', onchange: bindSelect('country'),
      },
        ...COUNTRY_CODES.map(c => el('option', { value: c.code, selected: acct.country === c.code }, c.code + ' — ' + c.label)),
      )),
      field(t('fbar.accounts.opened_year'), el('input', {
        class: 'tb-input', type: 'number', min: '1900', max: '2100', step: '1',
        value: acct.opened_year || '', oninput: bind('opened_year', toIntOrNull),
      })),
      field(t('fbar.accounts.closed_year'), el('input', {
        class: 'tb-input', type: 'number', min: '1900', max: '2100', step: '1',
        value: acct.closed_year || '', oninput: bind('closed_year', toIntOrNull),
      }), t('fbar.accounts.closed_year.help')),
    );

    // ----- Owners section: primary dropdown + joint toggle + co-owners -----
    // Cleaner mental model than the old "check all owners" grid.
    // The primary owner is filer_ids[0]; co-owners are filer_ids[1+].
    // Toggling Joint reveals the co-owner checkbox grid.
    const filerIds = acct.filer_ids || [];
    const primaryId = filerIds[0] || '';
    const isJoint = filerIds.length > 1 || !!jointUiRevealed[acct.id];

    function setOwners(newPrimary, newCoOwners) {
      const accounts = getAccounts();
      const i = accounts.findIndex(a => a.id === acct.id);
      if (i < 0) return;
      const list = newPrimary ? [newPrimary, ...(newCoOwners || [])] : (newCoOwners || []);
      accounts[i] = Object.assign({}, accounts[i], { filer_ids: list });
      setAccounts(accounts);
      renderActiveTab();
    }

    function changePrimary(newPrimaryId) {
      const coOwners = (filerIds.slice(1)).filter(id => id !== newPrimaryId);
      setOwners(newPrimaryId, coOwners);
    }

    function toggleJoint(on) {
      jointUiRevealed[acct.id] = on;
      if (!on) {
        // Drop co-owners when un-jointing.
        setOwners(primaryId, []);
      } else {
        // Just reveal the UI; data unchanged until co-owner picked.
        renderActiveTab();
      }
    }

    function toggleCoOwner(filerId, on) {
      const cur = filerIds.slice(1);
      const next = on ? Array.from(new Set([...cur, filerId])) : cur.filter(id => id !== filerId);
      setOwners(primaryId, next);
    }

    const primarySelect = filers.length === 0
      ? null
      : el('select', {
          class: 'tb-select',
          onchange: (e) => changePrimary(e.target.value),
        },
          el('option', { value: '', selected: !primaryId }, '— ' + t('fbar.accounts.primary.none') + ' —'),
          ...filers.map(f => el('option', {
            value: f.id, selected: primaryId === f.id,
          },
            (displayName(f, lang) || '—') + ' · ' + t('fbar.filers.relationship.' + f.relationship),
          )),
        );

    const jointToggle = filers.length < 2
      ? null
      : el('label', {
          class: 'tb-checkbox' + (isJoint ? ' is-selected' : ''),
          style: { marginTop: 'var(--tb-sp-3)' },
        },
          el('input', {
            type: 'checkbox', checked: isJoint,
            onchange: (e) => toggleJoint(e.target.checked),
          }),
          el('div', null,
            el('div', null, t('fbar.accounts.is_joint')),
            el('small', null, t('fbar.accounts.is_joint.help')),
          ),
        );

    const coOwnersGrid = isJoint && filers.length >= 2
      ? el('div', { style: { marginTop: 'var(--tb-sp-3)' } },
          el('div', { class: 'tb-field-label' }, t('fbar.accounts.coowners')),
          el('div', { style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(200px, 1fr))', gap: 'var(--tb-sp-2)' } },
            ...filers
              .filter(f => f.id !== primaryId)
              .map(f => {
                const checked = filerIds.includes(f.id);
                return el('label', {
                  class: 'tb-checkbox' + (checked ? ' is-selected' : ''),
                },
                  el('input', {
                    type: 'checkbox', checked,
                    onchange: (e) => toggleCoOwner(f.id, e.target.checked),
                  }),
                  el('div', null,
                    el('div', null, displayName(f, lang) || '—'),
                    el('small', null, t('fbar.filers.relationship.' + f.relationship) +
                      (!f.isUSPerson ? ' · non-U.S.' : '') +
                      (f.isMinor ? ' · minor' : '')),
                  ),
                );
              }),
          ),
        )
      : null;

    const ownersBlock = el('div', null,
      el('div', { class: 'tb-field-label' }, t('fbar.accounts.primary_owner')),
      filers.length === 0
        ? el('div', { class: 'tb-field-help' }, t('fbar.filers.empty'))
        : primarySelect,
      jointToggle,
      coOwnersGrid,
    );

    const sigCheckbox = el('label', { class: 'tb-checkbox', style: { marginTop: 'var(--tb-sp-3)' } },
      el('input', { type: 'checkbox', checked: !!acct.signatory_only, onchange: bind('signatory_only') }),
      el('div', null,
        el('div', null, t('fbar.accounts.signatory_only')),
        el('small', null, t('fbar.accounts.signatory_only.help')),
      ),
    );

    const notes = field(t('fbar.accounts.notes'), el('textarea', {
      class: 'tb-textarea', oninput: bind('notes'),
    }, acct.notes || ''));

    const extractedBanner = (acct._extracted_from && !acct._verified)
      ? buildExtractedBanner(acct)
      : null;

    return el('div', { class: 'tb-card', 'data-track': 'core', style: { background: 'var(--tb-bg)' } },
      head, extractedBanner, grid, ownersBlock, sigCheckbox, notes,
    );
  }

  function buildExtractedBanner(acct) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const conf = acct._extracted_confidence;
    const confLabel = conf
      ? ' (' + t('fbar.upload.banner.confidence') + ': ' + conf + ')'
      : '';
    const holderHint = (acct._extracted_holder_name || acct._extracted_holder_name_jp)
      ? el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-2)' } },
          t('fbar.upload.banner.holderDetected') + ': ' +
          [acct._extracted_holder_name, acct._extracted_holder_name_jp].filter(Boolean).join(' / '),
        )
      : null;

    const years = Array.isArray(acct._extracted_years) ? acct._extracted_years : [];
    const yearsLine = years.length > 0
      ? el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-2)' } },
          '📊 ' + t('fbar.upload.banner.balancesCreated', { count: years.length }) + ': ',
          el('strong', null, years.join(' · ')),
          ' · ',
          el('a', {
            href: '#',
            style: { color: 'var(--tb-navy)' },
            onclick: (e) => {
              e.preventDefault();
              activeTab = 'balances';
              if (years.length) activeYear = String(years[years.length - 1]);
              render(host);
            },
          }, t('fbar.upload.banner.viewBalances') + ' →'),
        )
      : el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-2)', color: 'var(--tb-warn)' } },
          '⚠ ' + t('fbar.upload.banner.noBalances'),
        );

    const partialNote = acct._extracted_partial
      ? el('div', {
          class: 'tb-card-meta',
          style: { marginTop: 'var(--tb-sp-2)', color: 'var(--tb-warn)', fontWeight: 500 },
        }, '⚠ ' + t('fbar.upload.banner.partial'))
      : null;

    const multiNote = acct._extracted_multi_account
      ? el('div', {
          class: 'tb-card-meta',
          style: { marginTop: 'var(--tb-sp-2)', color: 'var(--tb-navy)', fontWeight: 500 },
        }, '🧩 ' + t('fbar.upload.banner.multiAccount', {
          index: (acct._extracted_sibling_index || 0) + 1,
          count: acct._extracted_sibling_count || 1,
        }))
      : null;

    // Deep-passbook extraction signals — surface 合算 ranges, FD
    // references, and warnings so the user knows about extraction-
    // quality issues that need verification.
    const consolidatedNote = (Array.isArray(acct._extracted_consolidated_entries) && acct._extracted_consolidated_entries.length > 0)
      ? el('div', {
          class: 'tb-card-meta',
          style: { marginTop: 'var(--tb-sp-2)', color: 'var(--tb-warn)' },
        },
          '⚠ ' + t('fbar.upload.banner.consolidated', { count: acct._extracted_consolidated_entries.length }),
          el('ul', { style: { margin: 'var(--tb-sp-1) 0 0', paddingLeft: 'var(--tb-sp-4)', fontSize: 'var(--tb-fs-12)' } },
            ...acct._extracted_consolidated_entries.map(c =>
              el('li', null,
                (c.start_date || '?') + ' → ' + (c.end_date || '?') +
                (c.count ? ' (' + c.count + ' txns)' : '') +
                (c.ending_balance != null ? ', end bal ' + c.ending_balance : ''),
              ),
            ),
          ),
        )
      : null;

    const fdNote = (Array.isArray(acct._extracted_fd_references) && acct._extracted_fd_references.length > 0)
      ? el('div', {
          class: 'tb-card-meta',
          style: { marginTop: 'var(--tb-sp-2)' },
        },
          '🔒 ' + t('fbar.upload.banner.fdReferences', { count: acct._extracted_fd_references.length }),
          el('ul', { style: { margin: 'var(--tb-sp-1) 0 0', paddingLeft: 'var(--tb-sp-4)', fontSize: 'var(--tb-fs-12)' } },
            ...acct._extracted_fd_references.map(f =>
              el('li', null,
                'cert ' + (f.cert_number || '?') +
                (f.fd_number ? ' (FD#' + f.fd_number + ')' : '') +
                (f.amount != null ? ', ¥' + f.amount.toLocaleString() : '') +
                (f.maturity_date ? ', matures ' + f.maturity_date : '') +
                (f.status ? ' · ' + f.status : ''),
              ),
            ),
          ),
        )
      : null;

    const warningsNote = (Array.isArray(acct._extracted_warnings) && acct._extracted_warnings.length > 0)
      ? el('div', {
          class: 'tb-card-meta',
          style: { marginTop: 'var(--tb-sp-2)', color: 'var(--tb-warn)' },
        },
          '⚠ ' + t('fbar.upload.banner.warnings', { count: acct._extracted_warnings.length }),
          el('ul', { style: { margin: 'var(--tb-sp-1) 0 0', paddingLeft: 'var(--tb-sp-4)', fontSize: 'var(--tb-fs-12)' } },
            ...acct._extracted_warnings.map(w => el('li', null, w)),
          ),
        )
      : null;

    const carryOverNote = (acct._extracted_carry_over_balance != null)
      ? el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-2)' } },
          '📒 ' + t('fbar.upload.banner.carryOver', {
            amount: acct._extracted_carry_over_balance.toLocaleString(),
            currency: acct.currency,
          }),
        )
      : null;

    const enrichedNote = (Array.isArray(acct._enriched_filled) && acct._enriched_filled.length > 0)
      ? el('div', {
          class: 'tb-card-meta',
          style: { marginTop: 'var(--tb-sp-2)' },
        },
          '✨ ' + t('fbar.upload.banner.autoEnriched', {
            count: acct._enriched_filled.length,
            fields: acct._enriched_filled.join(', '),
          }),
          acct._enriched_summary
            ? el('div', { style: { marginTop: 'var(--tb-sp-1)', fontStyle: 'italic' } },
                '💡 ' + acct._enriched_summary,
              )
            : null,
        )
      : null;

    return el('div', {
      class: 'tb-disclaimer-inline',
      style: {
        borderLeftColor: acct._extracted_partial ? 'var(--tb-warn)' : 'var(--tb-navy)',
        background: acct._extracted_partial ? 'rgba(185, 122, 26, 0.08)' : 'rgba(14, 42, 79, 0.06)',
        marginBottom: 'var(--tb-sp-3)',
      },
    },
      el('div', { style: { fontWeight: 600 } },
        '⚡ ' + t('fbar.upload.banner.from', { file: acct._extracted_from }) + confLabel,
      ),
      el('div', { class: 'tb-card-meta' }, t('fbar.upload.banner.verify')),
      holderHint,
      multiNote,
      partialNote,
      enrichedNote,
      carryOverNote,
      consolidatedNote,
      fdNote,
      warningsNote,
      yearsLine,
      el('div', { class: 'tb-btn-row', style: { marginTop: 'var(--tb-sp-2)' } },
        el('button', {
          class: 'tb-btn tb-btn--secondary',
          onclick: () => {
            const list = getAccounts();
            const i = list.findIndex(a => a.id === acct.id);
            if (i < 0) return;
            list[i] = Object.assign({}, list[i], { _verified: true });
            setAccounts(list);
            renderActiveTab();
          },
        }, t('fbar.upload.banner.markVerified')),
      ),
    );
  }

  function buildAccountNumberField(acct) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const revealed = !!revealedAccountNumbers[acct.id];

    const input = el('input', {
      class: 'tb-input',
      type: revealed ? 'text' : 'password',
      value: acct.account_number_full || '',
      oninput: (e) => {
        const accounts = getAccounts();
        const i = accounts.findIndex(a => a.id === acct.id);
        if (i < 0) return;
        accounts[i] = Object.assign({}, accounts[i], { account_number_full: e.target.value });
        setAccounts(accounts);
        // Update the masked display sibling if present.
        const maskedEl = host.querySelector(`[data-fbar-acct-masked="${acct.id}"]`);
        if (maskedEl) maskedEl.textContent = masked(e.target.value);
      },
      autocomplete: 'off',
      spellcheck: 'false',
    });

    const toggleBtn = el('button', {
      class: 'tb-btn tb-btn--ghost',
      type: 'button',
      onclick: () => {
        revealedAccountNumbers[acct.id] = !revealed;
        renderActiveTab();
      },
    }, revealed ? t('fbar.accounts.hide_full') : t('fbar.accounts.show_full'));

    return el('label', { class: 'tb-field', style: { marginBottom: 0 } },
      el('span', { class: 'tb-field-label' }, t('fbar.accounts.account_number_full')),
      el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } }, input, toggleBtn),
      el('div', { class: 'tb-card-meta' },
        t('fbar.accounts.account_number_masked') + ': ',
        el('span', { 'data-fbar-acct-masked': acct.id }, masked(acct.account_number_full)),
      ),
      el('div', { class: 'tb-field-help' }, t('fbar.accounts.account_number_full.help')),
    );
  }

  function toIntOrNull(v) {
    if (v === '' || v == null) return null;
    const n = parseInt(v, 10);
    return isFinite(n) ? n : null;
  }

  function addAccount() {
    const accounts = getAccounts();
    const fresh = blankAccount();
    // If only one filer, auto-attach.
    const filers = getFilers();
    if (filers.length === 1) fresh.filer_ids = [filers[0].id];
    accounts.push(fresh);
    setAccounts(accounts);
    renderActiveTab();
  }

  // ====================================================================
  // VISION-BASED UPLOAD (user-initiated, consent-gated)
  // ====================================================================

  function openUploadDialog() {
    if (!TB.ai || !TB.ai.hasKey()) {
      const msg = TB.i18n.t('fbar.upload.noKey.body');
      if (confirm(msg + '\n\n' + TB.i18n.t('fbar.upload.noKey.openSettings') + '?')) {
        document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'settings' } }));
      }
      return;
    }
    const input = document.createElement('input');
    input.type = 'file';
    input.accept = 'image/png,image/jpeg,image/webp,image/gif,application/pdf';
    input.style.display = 'none';
    input.onchange = (e) => {
      const file = e.target.files && e.target.files[0];
      document.body.removeChild(input);
      if (file) processUploadedFile(file);
    };
    document.body.appendChild(input);
    input.click();
  }

  // Extracted from openUploadDialog so both file-picker selection and
  // drag-drop drops feed the same dedup → filer-chooser → consent flow.
  async function processUploadedFile(file) {
    if (!TB.ai || !TB.ai.hasKey()) {
      const msg = TB.i18n.t('fbar.upload.noKey.body');
      if (confirm(msg + '\n\n' + TB.i18n.t('fbar.upload.noKey.openSettings') + '?')) {
        document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'settings' } }));
      }
      return;
    }
    // Compute SHA-256 BEFORE the consent modal so we can skip the
    // (billable) Claude call if this document was already uploaded.
    let hash = null;
    try { hash = await TB.utils.sha256(file); }
    catch (err) { console.warn('[fbar.upload] hash failed, skipping dedup:', err); }
    const dup = hash ? findAccountByHash(hash) : null;
    if (dup) {
      openDuplicateModal(file, hash, dup);
      return;
    }
    // Multi-filer households: ask up-front who this account is for.
    const filers = getFilers();
    if (filers.length >= 2) {
      openUploadFilerChooser(filers, (chosenFilerIds) => {
        showConsentModal(file, hash, null, chosenFilerIds);
      });
    } else {
      showConsentModal(file, hash, null, null);
    }
  }

  // Pre-upload chooser. Asks "this account belongs to whom?" so
  // multi-filer households (parent + spouse + children, etc.) don't
  // have to fix ownership AFTER extraction. Calls onChoose with an
  // array of filer ids — the first id is the "primary" owner; any
  // additional ids are joint co-owners.
  function openUploadFilerChooser(filers, onChoose) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    let modalRoot = document.getElementById('tb-modal-root');
    if (!modalRoot) {
      modalRoot = el('div', { id: 'tb-modal-root' });
      document.body.appendChild(modalRoot);
    }
    function closeModal() { modalRoot.innerHTML = ''; }

    // Default the chooser to the last-used filer set (sticky), or
    // the first filer if no prior upload in this session.
    const initialPrimary = (lastUploadFilerIds[0]
      && filers.find(f => f.id === lastUploadFilerIds[0]))
        ? lastUploadFilerIds[0]
        : filers[0].id;
    const initialCoOwners = lastUploadFilerIds.slice(1).filter(
      id => filers.find(f => f.id === id),
    );
    const state = {
      primaryId: initialPrimary,
      isJoint: initialCoOwners.length > 0,
      coOwnerIds: new Set(initialCoOwners),
    };

    function rebuild() {
      modalRoot.innerHTML = '';
      modalRoot.appendChild(buildModal());
    }

    function buildCoOwnerList() {
      return el('div', {
        style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(220px, 1fr))', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-2)' },
      },
        ...filers
          .filter(f => f.id !== state.primaryId)
          .map(f => {
            const checked = state.coOwnerIds.has(f.id);
            return el('label', {
              class: 'tb-checkbox' + (checked ? ' is-selected' : ''),
            },
              el('input', {
                type: 'checkbox', checked,
                onchange: (e) => {
                  if (e.target.checked) state.coOwnerIds.add(f.id);
                  else state.coOwnerIds.delete(f.id);
                },
              }),
              el('div', null,
                el('div', null, displayName(f, lang) || '—'),
                el('small', null, t('fbar.filers.relationship.' + f.relationship)),
              ),
            );
          }),
      );
    }

    function buildModal() {
      const primarySelect = el('select', {
        class: 'tb-select',
        onchange: (e) => {
          state.primaryId = e.target.value;
          // If primary changed, drop them from co-owners (no-op for
          // most cases since co-owner list is filtered above, but
          // re-render to refresh the checkboxes).
          state.coOwnerIds.delete(state.primaryId);
          rebuild();
        },
      },
        ...filers.map(f => el('option', {
          value: f.id, selected: state.primaryId === f.id,
        }, displayName(f, lang) || '—')),
      );

      const jointCheckbox = el('label', {
        class: 'tb-checkbox' + (state.isJoint ? ' is-selected' : ''),
        style: { marginTop: 'var(--tb-sp-3)' },
      },
        el('input', {
          type: 'checkbox', checked: state.isJoint,
          onchange: (e) => {
            state.isJoint = e.target.checked;
            if (!state.isJoint) state.coOwnerIds.clear();
            rebuild();
          },
        }),
        el('div', null,
          el('div', null, t('fbar.upload.chooser.joint')),
          el('small', null, t('fbar.upload.chooser.joint.help')),
        ),
      );

      function commit() {
        const chosen = [state.primaryId, ...Array.from(state.coOwnerIds)];
        lastUploadFilerIds = chosen.slice();
        closeModal();
        onChoose(chosen);
      }

      return el('div', { class: 'tb-modal-backdrop' },
        el('div', { class: 'tb-modal' },
          el('h2', { style: { marginTop: 0 } }, t('fbar.upload.chooser.title')),
          el('p', { class: 'tb-card-meta' }, t('fbar.upload.chooser.body')),
          field(t('fbar.upload.chooser.primary'), primarySelect),
          jointCheckbox,
          state.isJoint
            ? el('div', { style: { marginTop: 'var(--tb-sp-3)' } },
                el('div', { class: 'tb-field-label' }, t('fbar.upload.chooser.coowners')),
                buildCoOwnerList(),
              )
            : null,
          el('div', { class: 'tb-btn-row' },
            el('button', { class: 'tb-btn tb-btn--secondary', onclick: closeModal },
              t('fbar.action.cancel')),
            el('button', { class: 'tb-btn', onclick: commit },
              t('fbar.upload.chooser.continue')),
          ),
        ),
      );
    }

    rebuild();
  }

  function findAccountByHash(hash) {
    if (!hash) return null;
    return getAccounts().find(a => a._extracted_source_hash === hash) || null;
  }

  // Loose match for account numbers: strip non-alphanumeric characters
  // and compare case-insensitive. Catches the "12340-67890123" vs
  // "1234067890123" vs "12340 67890123" formatting variations.
  function normalizeAccountNumber(s) {
    return String(s || '').replace(/[^0-9a-zA-Z]/g, '').toLowerCase();
  }

  function findAccountByNumber(rawNumber) {
    const norm = normalizeAccountNumber(rawNumber);
    if (!norm || norm.length < 4) return null;  // too short to be confident
    return getAccounts().find(a => normalizeAccountNumber(a.account_number_full) === norm) || null;
  }

  function showConsentModal(file, hash, existingAccount, preselectedFilerIds) {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    const cls = TB.ai.classifyFile(file);
    if (!cls) {
      alert(t('fbar.upload.error.unsupported'));
      return;
    }
    const isUpdate = !!existingAccount;

    const cost = TB.ai.estimateCost(file);
    const sizeKb = (file.size / 1024).toFixed(1);
    // Approx cost of the optional follow-on enrichment call
    // (text-only at Sonnet 4.6 pricing, ~700 in + ~500 out tokens).
    const enrichCost = 0.005;
    const totalCost = (cost ? cost.approxUsd : 0) + enrichCost;

    let modalRoot = document.getElementById('tb-modal-root');
    if (!modalRoot) {
      modalRoot = el('div', { id: 'tb-modal-root' });
      document.body.appendChild(modalRoot);
    }

    function closeModal() { modalRoot.innerHTML = ''; }
    // Per-upload state (closed over by send()). The checkbox in the
    // modal mutates this so the chain runs only when opted in.
    const uploadOpts = { autoEnrich: true };

    async function sendToClaude() {
      const sendBtn = modalRoot.querySelector('[data-send]');
      const cancelBtn = modalRoot.querySelector('[data-cancel]');
      const status = modalRoot.querySelector('[data-status]');
      sendBtn.disabled = true;
      cancelBtn.disabled = true;
      status.style.display = 'block';
      status.style.color = '';
      status.textContent = '⏳ ' + t('fbar.upload.status.sending', { name: file.name });
      try {
        const result = await TB.ai.callClaudeVisionForExtraction(
          file,
          'generic',
          { year: activeYear },
        );
        const partialNote = result.extracted && result.extracted._partial
          ? ' ⚠ ' + t('fbar.upload.status.partial')
          : '';
        const costNote = result.cost_usd
          ? ' · $' + result.cost_usd.toFixed(4)
          : '';
        status.textContent = '✓ ' + t('fbar.upload.status.applying') + partialNote + costNote;
        // Account-number-based merge check (post-extraction).
        // Hash check (pre-extraction) catches re-uploads of the same
        // file. But two different scans of the same physical account
        // (e.g. early-passbook + later-passbook for one account)
        // have different file hashes — we have to compare the
        // EXTRACTED account number against existing records to catch
        // those. Only runs for new uploads (the user already chose
        // "merge" in the hash-dup path if applicable).
        let mergeTarget = null;
        if (!isUpdate && result.extracted && result.extracted.account_number) {
          mergeTarget = findAccountByNumber(result.extracted.account_number);
        }

        // If the extracted account number matches an existing account
        // AND the user hasn't already chosen the merge path via the
        // duplicate-modal flow, ask them now whether to merge.
        if (mergeTarget) {
          const decision = await openAccountNumberMergeChoice(mergeTarget, result, file);
          if (decision === 'cancel') {
            closeModal();
            return;
          }
          if (decision === 'merge') {
            try {
              applyExtractionToExistingAccount(mergeTarget.id, result.extracted, file.name, hash, result.usage);
            } catch (applyErr) {
              console.error('[fbar.upload] merge apply threw:', applyErr);
            }
            closeModal();
            try { window.scrollTo({ top: 0, behavior: 'smooth' }); } catch (_) {}
            return;
          }
          // 'new' falls through to the normal new-account path
        }

        // Apply the extraction. Capture the resulting account id +
        // any pending name-conflict; we'll open the conflict modal
        // AFTER closeModal to avoid the modal-stacking gotcha
        // (consent modal's closeModal() does innerHTML='' on the
        // shared modal-root, wiping anything appended underneath).
        let accountIdForEnrich = null;
        let pendingNameConflict = null;
        try {
          if (isUpdate) {
            applyExtractionToExistingAccount(existingAccount.id, result.extracted, file.name, hash, result.usage);
            accountIdForEnrich = existingAccount.id;
          } else {
            const out = applyExtractionToNewAccount(result.extracted, file.name, result.usage, hash, preselectedFilerIds);
            if (out && typeof out === 'object') {
              accountIdForEnrich = out.accountId;
              pendingNameConflict = out.pendingNameConflict || null;
            } else {
              accountIdForEnrich = out;  // legacy callers returning bare id
            }
          }
        } catch (applyErr) {
          console.error('[fbar.upload] apply step threw:', applyErr);
        }

        // Auto-enrich chain. Only fills empty fields — never
        // overwrites extracted data. Failures here are non-fatal:
        // the upload is already complete; we just log and move on.
        if (uploadOpts.autoEnrich && accountIdForEnrich) {
          status.textContent = '✨ ' + t('fbar.upload.status.enriching');
          try {
            const enrichResult = await runAutoEnrichForAccount(accountIdForEnrich);
            if (enrichResult.filled.length > 0) {
              console.info('[fbar.upload] auto-enrich filled', enrichResult.filled);
            }
            status.textContent = '✓ ' + t('fbar.upload.status.applying') +
              ' · enriched ' + enrichResult.filled.length + ' field(s)' +
              (enrichResult.cost_usd ? ' · $' + (result.cost_usd + enrichResult.cost_usd).toFixed(4) : '');
          } catch (enrichErr) {
            console.warn('[fbar.upload] auto-enrich failed (non-fatal):', enrichErr);
          }
        }

        closeModal();
        try { window.scrollTo({ top: 0, behavior: 'smooth' }); } catch (_) {}

        // NOW open the conflict modal — modal-root is empty, so the
        // newly-appended modal won't get wiped.
        if (pendingNameConflict) {
          openNameConflictModal(pendingNameConflict);
        }
      } catch (err) {
        console.error('[fbar.upload]', err);
        status.style.color = 'var(--tb-error)';
        status.textContent = '✗ ' + (err && err.message ? err.message : String(err));
        sendBtn.disabled = false;
        cancelBtn.disabled = false;
      }
    }

    const card = el('div', { class: 'tb-modal' },
      el('h2', { style: { marginTop: 0 } }, t('fbar.upload.modal.title')),
      el('div', {
        class: 'tb-card-meta',
        style: { padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)', marginBottom: 'var(--tb-sp-3)' },
      },
        el('div', null, '📎 ', el('strong', null, file.name)),
        el('div', null, sizeKb + ' KB · ' + (file.type || 'unknown') + ' · ' + cls.toUpperCase()),
      ),
      el('div', { class: 'tb-disclaimer-inline', style: { borderLeftColor: 'var(--tb-warn)' } },
        t('fbar.upload.modal.body'),
      ),
      el('div', { class: 'tb-card-meta' },
        el('div', null, t('fbar.upload.modal.destination') + ': api.anthropic.com'),
        el('div', null, t('fbar.upload.modal.model') + ': ' + TB.ai.getModel()),
        cost ? el('div', { 'data-cost-line': '' }, '') : null,
      ),
      // Auto-enrich opt-in checkbox. Defaults ON because Ben asked
      // for AI features that logically chain to do so by default
      // (see feedback memory: "Chain AI features by default").
      el('label', {
        class: 'tb-checkbox',
        style: { marginTop: 'var(--tb-sp-3)' },
      },
        el('input', {
          type: 'checkbox',
          checked: uploadOpts.autoEnrich,
          onchange: (e) => {
            uploadOpts.autoEnrich = !!e.target.checked;
            updateCostLine();
          },
        }),
        el('div', null,
          el('div', null, t('fbar.upload.autoEnrich.label')),
          el('small', null, t('fbar.upload.autoEnrich.help')),
        ),
      ),
      el('div', {
        'data-status': '',
        class: 'tb-card-meta',
        style: { display: 'none', marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)' },
      }),
      el('div', { class: 'tb-btn-row' },
        el('button', {
          'data-cancel': '',
          class: 'tb-btn tb-btn--secondary',
          onclick: closeModal,
        }, t('fbar.upload.cancel')),
        el('button', {
          'data-send': '',
          class: 'tb-btn',
          onclick: sendToClaude,
        }, t('fbar.upload.send')),
      ),
    );

    function updateCostLine() {
      const node = modalRoot.querySelector('[data-cost-line]');
      if (!node || !cost) return;
      const enrichLine = uploadOpts.autoEnrich
        ? ' + ~$' + enrichCost.toFixed(3) + ' enrich = ~$' + totalCost.toFixed(3) + ' total'
        : '';
      node.textContent = t('fbar.upload.modal.cost') + ': ~$' + cost.approxUsd.toFixed(3) +
        ' (' + cost.approxInputTokens + ' in + ' + cost.approxOutputTokens + ' out)' + enrichLine;
    }
    setTimeout(updateCostLine, 0);

    const backdrop = el('div', {
      class: 'tb-modal-backdrop',
      onclick: (e) => { if (e.target === backdrop) closeModal(); },
    }, card);

    modalRoot.appendChild(backdrop);
  }

  // ====================================================================
  // AI ENRICH ACCOUNT — institution-info lookup, user-initiated
  // ====================================================================
  //
  // Click "✨ AI enrich" on an account card to ask Claude to fill in
  // canonical institution facts (HQ address, English name, etc.) for
  // that institution. Only the institution-level summary leaves the
  // browser — never the account number, filers, balances, or notes.
  //
  // Flow: openEnrichConsentModal → Claude call → openEnrichReviewModal
  // → user picks per-field which suggestions to apply → state update.

  function openEnrichConsentModal(accountId) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const acct = findAccount(accountId);
    if (!acct) return;

    if (!TB.ai || !TB.ai.hasKey()) {
      const msg = t('fbar.upload.noKey.body');
      if (confirm(msg + '\n\n' + t('fbar.upload.noKey.openSettings') + '?')) {
        document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'settings' } }));
      }
      return;
    }

    const summary = TB.ai.buildEnrichmentInput(acct);

    let modalRoot = document.getElementById('tb-modal-root');
    if (!modalRoot) {
      modalRoot = el('div', { id: 'tb-modal-root' });
      document.body.appendChild(modalRoot);
    }
    function closeModal() { modalRoot.innerHTML = ''; }

    async function send() {
      const sendBtn = modalRoot.querySelector('[data-send]');
      const cancelBtn = modalRoot.querySelector('[data-cancel]');
      const status = modalRoot.querySelector('[data-status]');
      sendBtn.disabled = true;
      cancelBtn.disabled = true;
      status.style.display = 'block';
      status.style.color = '';
      status.textContent = '⏳ ' + t('fbar.enrich.status.sending', {
        name: acct.institution_name,
      });
      try {
        const result = await TB.ai.enrichAccountWithAi(summary);
        const costNote = result.cost_usd ? ' · $' + result.cost_usd.toFixed(4) : '';
        status.textContent = '✓ ' + t('fbar.enrich.status.review') + costNote;
        // Close the consent modal FIRST, then open the review modal.
        // Both modals share the same #tb-modal-root container; if we
        // close after opening, closeModal() (innerHTML='') wipes the
        // review modal we just appended.
        closeModal();
        openEnrichReviewModal(accountId, result.suggestions);
      } catch (err) {
        console.error('[fbar.enrich]', err);
        status.style.color = 'var(--tb-error)';
        status.textContent = '✗ ' + (err && err.message ? err.message : String(err));
        sendBtn.disabled = false;
        cancelBtn.disabled = false;
      }
    }

    const summaryRows = el('div', {
      style: {
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)',
        padding: 'var(--tb-sp-3)', marginBottom: 'var(--tb-sp-3)',
        fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)',
      },
    });
    for (const [k, v] of Object.entries(summary)) {
      summaryRows.appendChild(el('div', null,
        el('span', { style: { color: 'var(--tb-text-soft)' } }, k + ': '),
        el('span', null, v == null ? 'null' : String(v)),
      ));
    }

    const card = el('div', { class: 'tb-modal' },
      el('h2', { style: { marginTop: 0 } }, '✨ ' + t('fbar.enrich.modal.title')),
      el('p', { class: 'tb-card-meta' }, t('fbar.enrich.modal.body')),
      el('div', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-2)', textTransform: 'uppercase', letterSpacing: '0.06em', fontSize: 'var(--tb-fs-12)' } },
        t('fbar.enrich.modal.willSend'),
      ),
      summaryRows,
      el('div', { class: 'tb-disclaimer-inline' },
        t('fbar.enrich.modal.privacy'),
      ),
      el('div', { class: 'tb-card-meta' },
        el('div', null, t('fbar.upload.modal.destination') + ': api.anthropic.com'),
        el('div', null, t('fbar.upload.modal.model') + ': ' + TB.ai.getModel()),
        el('div', null, t('fbar.enrich.modal.costEstimate')),
      ),
      el('div', {
        'data-status': '',
        class: 'tb-card-meta',
        style: { display: 'none', marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)' },
      }),
      el('div', { class: 'tb-btn-row' },
        el('button', { 'data-cancel': '', class: 'tb-btn tb-btn--secondary', onclick: closeModal },
          t('fbar.upload.cancel')),
        el('button', { 'data-send': '', class: 'tb-btn', onclick: send },
          t('fbar.enrich.modal.send')),
      ),
    );
    const backdrop = el('div', {
      class: 'tb-modal-backdrop',
      onclick: (e) => { if (e.target === backdrop) closeModal(); },
    }, card);
    modalRoot.appendChild(backdrop);
  }

  // Per-field review modal. Shows current value vs AI suggestion for
  // each field; user checks the suggestions to accept and clicks
  // Apply. Suggestions for fields where current and AI agree (or AI
  // returned null) are not shown.
  function openEnrichReviewModal(accountId, suggestions) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const acct = findAccount(accountId);
    if (!acct || !suggestions) return;

    let modalRoot = document.getElementById('tb-modal-root');
    if (!modalRoot) {
      modalRoot = el('div', { id: 'tb-modal-root' });
      document.body.appendChild(modalRoot);
    }
    function closeModal() { modalRoot.innerHTML = ''; }

    // Map AI output fields → account fields. Each AI field maps to
    // a DISTINCT account field — don't double-map (e.g., earlier
    // versions had institution_name_en and institution_name_jp both
    // mapping to acct.institution_name, which made one always
    // overwrite the other).
    const candidates = [
      { aiField: 'institution_name_en',    acctField: 'institution_name',        label: t('fbar.accounts.institution_name') },
      { aiField: 'institution_name_jp',    acctField: 'institution_name_jp',     label: t('fbar.accounts.institution_name_jp') },
      { aiField: 'institution_address',    acctField: 'institution_address',     label: t('fbar.accounts.institution_address') },
      { aiField: 'institution_address_jp', acctField: 'institution_address_jp',  label: t('fbar.accounts.institution_address_jp') },
      { aiField: 'country',                acctField: 'country',                 label: t('fbar.accounts.country') },
      { aiField: 'currency_suggestion',    acctField: 'currency',                label: t('fbar.accounts.currency') },
      { aiField: 'account_type_suggestion', acctField: 'account_type',           label: t('fbar.accounts.account_type'),
        renderValue: (v) => v ? t('fbar.accounts.account_type.' + v) : '—' },
      { aiField: 'notes',                  acctField: 'notes',                   label: t('fbar.accounts.notes'),
        appendMode: true },
    ];

    console.info('[fbar.enrich] Suggestions from Claude:', suggestions);

    // Filter to only fields where AI returned a value AND it differs
    // from the current account value (or current is empty).
    const rows = [];
    for (const c of candidates) {
      const aiVal = suggestions[c.aiField];
      if (aiVal == null || aiVal === '') continue;
      const curVal = acct[c.acctField] != null ? acct[c.acctField] : '';
      // Skip when current value matches the suggestion exactly.
      if (String(curVal).trim() === String(aiVal).trim() && !c.appendMode) continue;
      rows.push({
        ...c,
        currentValue: curVal,
        suggestedValue: aiVal,
        accept: !curVal,   // default: accept if field was empty
      });
    }

    const conf = suggestions.confidence;
    const confLabel = conf
      ? ' (' + t('fbar.enrich.review.confidence') + ': ' + conf + ')'
      : '';

    function applyAccepted() {
      const accounts = getAccounts();
      const idx = accounts.findIndex(a => a.id === accountId);
      if (idx < 0) {
        console.warn('[fbar.enrich] Account not found:', accountId);
        closeModal();
        return;
      }
      const patch = {};
      for (const r of rows) {
        console.info('[fbar.enrich] Row', r.label, '— accept:', r.accept, '— current:', r.currentValue, '— suggested:', r.suggestedValue);
        if (!r.accept) continue;
        if (r.appendMode) {
          const cur = accounts[idx][r.acctField] || '';
          const sep = cur ? '\n\n' : '';
          patch[r.acctField] = cur + sep + '[AI enrich] ' + r.suggestedValue;
        } else {
          patch[r.acctField] = r.suggestedValue;
        }
      }
      console.info('[fbar.enrich] Patch to apply:', patch);
      if (Object.keys(patch).length > 0) {
        accounts[idx] = Object.assign({}, accounts[idx], patch);
        setAccounts(accounts);
        console.info('[fbar.enrich] Applied', Object.keys(patch).length, 'field(s) to account', accountId, '— resulting account:', accounts[idx]);
      } else {
        console.info('[fbar.enrich] No fields accepted — nothing applied');
      }
      closeModal();
      renderActiveTab();
    }

    function buildRow(r, i) {
      const checkbox = el('input', {
        type: 'checkbox', checked: r.accept,
        onchange: (e) => { rows[i].accept = e.target.checked; },
      });
      const renderFn = r.renderValue || ((v) => v == null || v === '' ? '—' : String(v));
      return el('label', {
        class: 'tb-checkbox' + (r.accept ? ' is-selected' : ''),
        style: { alignItems: 'flex-start', display: 'flex', gap: 'var(--tb-sp-3)', padding: 'var(--tb-sp-3)' },
      },
        checkbox,
        el('div', { style: { flex: '1 1 auto' } },
          el('div', { style: { fontWeight: 500, marginBottom: 'var(--tb-sp-1)' } }, r.label),
          el('div', { style: { display: 'grid', gridTemplateColumns: '90px 1fr', gap: 'var(--tb-sp-1) var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)' } },
            el('span', { style: { color: 'var(--tb-text-soft)' } }, t('fbar.conflict.existing') + ':'),
            el('span', null, renderFn(r.currentValue)),
            el('span', { style: { color: 'var(--tb-text-soft)' } }, '⚡ ' + t('fbar.conflict.extracted') + ':'),
            el('span', { style: { color: 'var(--tb-navy)', fontWeight: 500 } }, renderFn(r.suggestedValue)),
          ),
          r.appendMode
            ? el('small', { style: { color: 'var(--tb-text-soft)' } }, t('fbar.enrich.review.appendMode'))
            : null,
        ),
      );
    }

    const list = rows.length === 0
      ? el('p', { class: 'tb-card-meta' }, '✓ ' + t('fbar.enrich.review.nothingToApply'))
      : el('div', { style: { display: 'grid', gap: 'var(--tb-sp-2)' } },
          ...rows.map(buildRow),
        );

    const card = el('div', { class: 'tb-modal' },
      el('h2', { style: { marginTop: 0 } }, '✨ ' + t('fbar.enrich.review.title') + confLabel),
      el('p', { class: 'tb-card-meta' }, t('fbar.enrich.review.body', {
        institution: acct.institution_name || '—',
      })),
      suggestions.notes
        ? el('div', { class: 'tb-disclaimer-inline', style: { borderLeftColor: 'var(--tb-navy)' } },
            '💡 ', el('strong', null, suggestions.notes),
          )
        : null,
      list,
      el('div', { class: 'tb-btn-row' },
        el('button', { class: 'tb-btn tb-btn--secondary', onclick: closeModal },
          t('fbar.action.cancel')),
        rows.length > 0
          ? el('button', { class: 'tb-btn', onclick: applyAccepted },
              t('fbar.enrich.review.apply'))
          : el('button', { class: 'tb-btn', onclick: closeModal },
              t('fbar.action.done')),
      ),
    );

    const backdrop = el('div', {
      class: 'tb-modal-backdrop',
      onclick: (e) => { if (e.target === backdrop) closeModal(); },
    }, card);
    modalRoot.appendChild(backdrop);
  }

  function applyExtractionToNewAccount(extracted, sourceFile, usage, sourceHash, preselectedFilerIds) {
    if (!extracted) return;
    // Always log the full extraction for diagnostics. The user can
    // open DevTools → Console to see exactly what the model returned
    // when extraction quality is in question.
    console.info('[fbar.upload] Extraction result for', sourceFile, ':', extracted);

    // Multi-account dispatch: if the model returned `accounts[]` with
    // 2+ entries, treat the document as a multi-account source (FD
    // certificate with sub-deposits, etc.) and create N records,
    // each inheriting shared metadata from the top-level fields.
    if (Array.isArray(extracted.accounts) && extracted.accounts.length >= 2) {
      console.info('[fbar.upload] multi-account dispatch:', extracted.accounts.length, 'sub-accounts');
      return applyMultiAccountExtraction(extracted, sourceFile, usage, sourceHash, preselectedFilerIds);
    }

    const filers = getFilers();
    const accounts = getAccounts();

    const fresh = blankAccount();
    // Institution name: model may return either a plain `institution_name`
    // (older path) OR both `institution_name_en` and `institution_name_jp`
    // (preferred). Route them to the appropriate fields.
    if (extracted.institution_name_en)  fresh.institution_name = extracted.institution_name_en;
    else if (extracted.institution_name && !containsJapanese(extracted.institution_name)) {
      fresh.institution_name = extracted.institution_name;
    }
    if (extracted.institution_name_jp)  fresh.institution_name_jp = extracted.institution_name_jp;
    else if (extracted.institution_name && containsJapanese(extracted.institution_name)) {
      fresh.institution_name_jp = extracted.institution_name;
    }
    if (extracted.institution_address) fresh.institution_address = extracted.institution_address;
    if (extracted.institution_address_jp) fresh.institution_address_jp = extracted.institution_address_jp;
    if (extracted.country)             fresh.country = String(extracted.country).toUpperCase().slice(0, 5);
    if (extracted.currency)            fresh.currency = String(extracted.currency).toUpperCase().slice(0, 4);
    if (extracted.account_type && ['bank', 'securities', 'other'].indexOf(extracted.account_type) !== -1) {
      fresh.account_type = extracted.account_type;
    }
    if (extracted.account_number)      fresh.account_number_full = String(extracted.account_number);
    if (extracted.extraction_notes)    fresh.notes = extracted.extraction_notes;

    // Filer ownership: prefer the user's explicit pre-upload choice
    // from the chooser modal. If none was supplied (single-filer
    // household, or chooser cancelled), fall back to the
    // auto-attach for one-filer households. Resolved BEFORE the
    // open/close-year validation below so the DOB sanity check can
    // look up the primary filer.
    if (Array.isArray(preselectedFilerIds) && preselectedFilerIds.length > 0) {
      // Filter to valid filer ids only.
      const validIds = preselectedFilerIds.filter(
        id => filers.find(f => f.id === id),
      );
      if (validIds.length > 0) fresh.filer_ids = validIds;
    } else if (filers.length === 1) {
      fresh.filer_ids = [filers[0].id];
    }

    // opened_year / closed_year — only set if the model EXPLICITLY
    // returned them (i.e., there was a visible opening/closure date
    // on the document). DO NOT infer from years_covered earliest;
    // that conflated "year had activity" with "account opened".
    //
    // Multiple sanity checks catch era-misconversion bugs (R5 read
    // as 2005 instead of 2023, H17 confused with H7, etc.) and
    // deposit/payment-row confusion on Japanese passbook scans:
    //   - opened_year > today          → reject (future)
    //   - opened_year < filer DOB year → reject (impossible)
    //   - closed_year < opened_year    → reject (impossible)
    //   - closed_year === opened_year  → warn (often a misread)
    {
      const todayYr = new Date().getUTCFullYear();

      // Look up primary filer's DOB year, if any, so we can reject
      // open dates earlier than the account holder was born.
      const primaryFiler = filers.find(f => f.id === fresh.filer_ids[0]);
      let filerDobYear = null;
      if (primaryFiler && primaryFiler.dob) {
        const dy = parseInt(String(primaryFiler.dob).slice(0, 4), 10);
        if (dy >= 1900 && dy <= 2200) filerDobYear = dy;
      }

      const warn = (msg) => {
        fresh._extracted_warnings = (fresh._extracted_warnings || []).concat([msg]);
        console.warn('[fbar.upload]', msg);
      };

      const oy = parseInt(extracted.opened_year, 10);
      let openYrValid = false;
      if (isFinite(oy)) {
        if (oy > todayYr) {
          warn('Extracted opened_year "' + oy + '" is in the future — likely a Japanese-era misread. Year Opened left blank.');
        } else if (filerDobYear && oy < filerDobYear) {
          warn('Extracted opened_year "' + oy + '" is before the account owner\'s ' +
            'date of birth (' + primaryFiler.dob + ') — impossible. Likely an era ' +
            'misread (e.g., R5 read as 2005 instead of 2023). Year Opened left blank.');
        } else if (oy < 1900) {
          warn('Extracted opened_year "' + oy + '" is before 1900 — ignored.');
        } else {
          openYrValid = true;
          fresh.opened_year = oy;
        }
      }

      const cy = parseInt(extracted.closed_year, 10);
      if (isFinite(cy)) {
        if (cy > todayYr + 100) {
          warn('Extracted closed_year "' + cy + '" is more than 100 years out — likely an era misconversion. Year Closed left blank.');
        } else if (filerDobYear && cy < filerDobYear) {
          warn('Extracted closed_year "' + cy + '" is before the account owner\'s date of birth — impossible. Year Closed left blank.');
        } else if (openYrValid && cy === oy) {
          warn('Extracted closed_year (' + cy + ') is the SAME YEAR as opened_year — ' +
            'unusual for a fixed deposit and a common indicator of date confusion ' +
            '(e.g., a payment-row date misread as the open date). Year Closed left blank for review.');
        } else if (openYrValid && cy < oy) {
          warn('Extracted closed_year (' + cy + ') is BEFORE opened_year (' + oy + ') — impossible. Year Closed left blank.');
        } else if (cy >= 1900 && cy <= todayYr) {
          fresh.closed_year = cy;
        }
        // Future closed_year (cy > today, ≤ today+100): leave blank;
        // FD may still be in its term.
      }
    }

    // If exactly one filer is on this account, try to backfill that
    // filer's name fields from what the scan extracted. Empty fields
    // get auto-filled silently; conflicts (existing value differs from
    // scan) are queued for a resolution modal after the main render.
    let pendingNameConflict = null;
    if (fresh.filer_ids.length === 1) {
      pendingNameConflict = maybePopulateFilerFromExtraction(fresh.filer_ids[0], extracted);
    }

    // Metadata for the verification banner. Underscore prefix = transient
    // metadata, not part of the FBAR record itself; the user can clear
    // it by clicking "Mark verified."
    fresh._extracted_from = sourceFile;
    fresh._extracted_at = new Date().toISOString();
    fresh._extracted_source_hash = sourceHash || null;
    fresh._extracted_confidence = extracted.confidence || null;
    fresh._extracted_holder_name = extracted.account_holder_name || null;
    fresh._extracted_holder_name_jp = extracted.account_holder_name_jp || null;
    fresh._extracted_usage = usage || null;
    fresh._extracted_partial = !!extracted._partial;
    fresh._verified = false;
    // Deep-extraction outputs: only persist if non-trivial.
    if (Array.isArray(extracted.warnings) && extracted.warnings.length > 0) {
      fresh._extracted_warnings = extracted.warnings.slice();
    }
    if (Array.isArray(extracted.consolidated_entries) && extracted.consolidated_entries.length > 0) {
      fresh._extracted_consolidated_entries = extracted.consolidated_entries.slice();
    }
    if (Array.isArray(extracted.fd_references) && extracted.fd_references.length > 0) {
      fresh._extracted_fd_references = extracted.fd_references.slice();
    }
    if (extracted.carry_over_balance != null) {
      const co = parseFloat(extracted.carry_over_balance);
      if (isFinite(co)) fresh._extracted_carry_over_balance = co;
    }

    accounts.unshift(fresh);
    setAccounts(accounts);

    // Create yearly_balance rows. Three-tier fallback so the multi-
    // year case works regardless of which output shape the model
    // returns:
    //
    //   (1) Preferred — model populated `years_covered`. One entry
    //       per calendar year with that year's max + date.
    //
    //   (2) Fallback — model populated only `balance_entries` (raw
    //       transaction rows). We group by ISO year prefix and take
    //       the per-year max client-side. This covers the case where
    //       the model returns the chronological transaction list
    //       (which is what the prompt explicitly asks for) but
    //       forgets to also produce the years_covered summary.
    //
    //   (3) Single-year fallback — only `extracted.year` and
    //       `max_balance_native` are set. Used for screenshots and
    //       short statements that genuinely cover one year.
    let yearEntries = [];

    if (Array.isArray(extracted.years_covered) && extracted.years_covered.length > 0) {
      for (const e of extracted.years_covered) {
        const yr = parseInt(e && e.year, 10);
        const max = parseFloat(e && e.max_balance_native);
        if (!isFinite(max) || !(yr >= 1900 && yr <= 2200)) continue;
        yearEntries.push({
          year: yr,
          max: max,
          date: (e && e.max_balance_date) || '',
        });
      }
    }

    if (yearEntries.length === 0
        && Array.isArray(extracted.balance_entries)
        && extracted.balance_entries.length > 0) {
      const byYear = {};
      for (const e of extracted.balance_entries) {
        if (!e) continue;
        const date = String(e.date || '');
        const yr = parseInt(date.slice(0, 4), 10);
        const bal = parseFloat(e.balance_native);
        if (!isFinite(bal) || !(yr >= 1900 && yr <= 2200)) continue;
        if (!byYear[yr] || bal > byYear[yr].max) {
          byYear[yr] = { max: bal, date };
        }
      }
      yearEntries = Object.entries(byYear).map(([yr, info]) => ({
        year: parseInt(yr, 10),
        max: info.max,
        date: info.date,
      }));
      if (yearEntries.length > 0) {
        console.info('[fbar.upload] derived', yearEntries.length, 'years from balance_entries fallback');
      }
    }

    // Deep-passbook fallback: if the model returned `transactions[]`
    // (every-row format from the deep-analysis prompt) but skipped
    // `years_covered`, derive per-year max from those rows. Each row
    // has `balance` (running 差引残高 after the row).
    if (yearEntries.length === 0
        && Array.isArray(extracted.transactions)
        && extracted.transactions.length > 0) {
      const byYear = {};
      for (const e of extracted.transactions) {
        if (!e) continue;
        const date = String(e.date || '');
        const yr = parseInt(date.slice(0, 4), 10);
        const bal = parseFloat(e.balance);
        if (!isFinite(bal) || !(yr >= 1900 && yr <= 2200)) continue;
        if (!byYear[yr] || bal > byYear[yr].max) {
          byYear[yr] = { max: bal, date };
        }
      }
      yearEntries = Object.entries(byYear).map(([yr, info]) => ({
        year: parseInt(yr, 10),
        max: info.max,
        date: info.date,
      }));
      if (yearEntries.length > 0) {
        console.info('[fbar.upload] derived', yearEntries.length, 'years from transactions[] fallback');
      }
    }

    if (yearEntries.length === 0
        && extracted.year
        && extracted.max_balance_native != null) {
      const yr = parseInt(extracted.year, 10);
      const max = parseFloat(extracted.max_balance_native);
      if (isFinite(max) && yr >= 1900 && yr <= 2200) {
        yearEntries.push({
          year: yr,
          max: max,
          date: extracted.max_balance_date || '',
        });
      }
    }

    let extractedYearsList = [];
    let carryForwardCount = 0;
    if (yearEntries.length > 0 && fresh.currency) {
      const balances = getBalances();
      // Sort ascending so older years come first in state.
      yearEntries.sort((a, b) => a.year - b.year);

      // Defensive carry-forward fill. The model is asked to handle
      // dormant years itself (per the prompt's CARRY-FORWARD section)
      // but we backfill any gaps it leaves between extracted years
      // AND extend forward to the current year if the account has no
      // closed_year set. A dormant account's max balance for a year
      // with no transactions is the prior year's closing balance —
      // we approximate using the prior year's max (conservative for
      // FBAR purposes; user can edit).
      const filledEntries = fillCarryForwardYears(yearEntries, fresh.closed_year);

      for (const entry of filledEntries) {
        const fxInfo = fxRateFor(fresh.currency, entry.year);
        const usd = fresh.currency === 'USD'
          ? entry.max
          : (fxInfo.rate ? entry.max / fxInfo.rate : null);
        const noteSuffix = entry._carry_forward
          ? 'Carry-forward from ' + entry._carried_from + ' (no transactions detected — verify before filing)'
          : 'AI-extracted from ' + sourceFile;
        balances.push({
          id: TB.utils.uuid(),
          account_id: fresh.id,
          year: String(entry.year),
          max_balance_native: entry.max,
          max_balance_date: entry.date,
          fx_rate_used: fxInfo.rate,
          fx_rate_source: fxInfo.source || (fresh.currency === 'USD' ? 'USD' : ''),
          fx_rate_overridden: false,
          max_balance_usd: usd,
          notes: noteSuffix,
        });
        extractedYearsList.push(entry.year);
        if (entry._carry_forward) carryForwardCount += 1;
      }
      setBalances(balances);
      if (carryForwardCount > 0) {
        console.info('[fbar.upload] Filled', carryForwardCount, 'carry-forward year(s) for dormant periods.');
      }
      // Stamp the extracted-years list onto the account record so
      // the verification banner can show it. NOTE: deliberately do
      // NOT widen opened_year from the earliest extracted year —
      // that conflated "year had visible activity" with "account
      // opened in that year". opened_year is now set ONLY from an
      // explicit account-opening date on the document (handled
      // earlier in this function via extracted.opened_year).
      const accountsAfter = getAccounts();
      const myIdx = accountsAfter.findIndex(a => a.id === fresh.id);
      if (myIdx >= 0) {
        accountsAfter[myIdx] = Object.assign({}, accountsAfter[myIdx], {
          _extracted_years: extractedYearsList.slice(),
        });
        setAccounts(accountsAfter);
      }
      // Default the Yearly Balances tab to the latest extracted
      // year so the user immediately sees data when they navigate
      // there.
      activeYear = String(extractedYearsList[extractedYearsList.length - 1]);
    }

    console.info('[fbar.upload] Created', extractedYearsList.length, 'balance entries for years:', extractedYearsList);

    // Clear any active account filters so the freshly-unshifted
    // account is always visible. Otherwise an existing filter
    // (e.g., "show filer = Filer A") could hide a new account
    // that auto-attached to a different filer (e.g., Filer B),
    // making the upload look like it silently failed.
    accountFilters = { filerId: '', year: '', currency: '' };
    balancesFilterFilerId = '';

    activeTab = 'accounts';
    render(host);

    // Return BOTH the new account id AND the pending name conflict
    // (if any). The caller (sendToClaude) is responsible for opening
    // the conflict modal AFTER the consent modal closes — opening
    // them in the wrong order causes the consent modal's
    // `closeModal()` (innerHTML='' on shared modal-root) to wipe the
    // freshly-opened conflict modal.
    return { accountId: fresh.id, pendingNameConflict };
  }

  // Auto-enrich for a freshly-uploaded account. Runs the same
  // enrichAccountWithAi call as the explicit "✨ AI enrich" button,
  // but applies suggestions ONLY to empty fields (never overwrites
  // extracted data). Returns { filled: [], cost_usd: number }.
  async function runAutoEnrichForAccount(accountId) {
    const acct = findAccount(accountId);
    if (!acct) return { filled: [], cost_usd: 0 };
    if (!TB.ai.hasKey()) return { filled: [], cost_usd: 0 };

    const summary = TB.ai.buildEnrichmentInput(acct);
    const result = await TB.ai.enrichAccountWithAi(summary);
    const suggestions = result.suggestions || {};

    // Same field map as the explicit enrich review modal — but
    // applied silently and only to empty fields.
    const candidates = [
      { ai: 'institution_name_en',    acct: 'institution_name' },
      { ai: 'institution_name_jp',    acct: 'institution_name_jp' },
      { ai: 'institution_address',    acct: 'institution_address' },
      { ai: 'institution_address_jp', acct: 'institution_address_jp' },
      { ai: 'country',                acct: 'country' },
      // currency and account_type intentionally omitted — they have
      // non-empty defaults (JPY, bank) so the "only-if-empty" gate
      // wouldn't trigger anyway, and the model's suggestion isn't
      // necessarily better than what extraction picked up.
    ];

    const accounts = getAccounts();
    const idx = accounts.findIndex(a => a.id === accountId);
    if (idx < 0) return { filled: [], cost_usd: result.cost_usd || 0 };

    const patch = {};
    const filled = [];
    for (const c of candidates) {
      const aiVal = suggestions[c.ai];
      if (aiVal == null || aiVal === '') continue;
      const curVal = accounts[idx][c.acct] || '';
      if (String(curVal).trim()) continue; // skip non-empty
      patch[c.acct] = aiVal;
      filled.push(c.acct);
    }
    // Stash enrichment-summary notes onto the account for the
    // verification banner without touching the user-visible notes
    // field (which extraction populates with anomaly info).
    if (suggestions.notes) {
      patch._enriched_summary = String(suggestions.notes).slice(0, 500);
    }
    patch._enriched_at = new Date().toISOString();
    patch._enriched_filled = filled;

    if (Object.keys(patch).length > 0) {
      accounts[idx] = Object.assign({}, accounts[idx], patch);
      setAccounts(accounts);
      renderActiveTab();
    }
    return { filled, cost_usd: result.cost_usd || 0, summary: suggestions.notes || null };
  }

  // ====================================================================
  // DEFERRED — Auto-close filing from filed FBAR PDF (v0.3.x roadmap)
  // ====================================================================
  //
  // The "📥 Import FBAR" feature was removed in v0.2.36. It tried to
  // do too much (backfill years of accounts AND balances from a filed
  // PDF) and muddied the new-account flow.
  //
  // The narrower successor we want: when the user uploads a filed
  // FBAR PDF, extract just the BSA confirmation ID and filing date,
  // then look up the matching `filing_history` record by (filer, year)
  // and auto-toggle "I have filed this" with those values populated.
  // No account / balance backfill — that's what re-uploading bank
  // documents is for.
  //
  // Sketch:
  //   1. User on Filing tab → "Upload filed FBAR PDF" button
  //   2. Vision extracts: filer name, year, BSA confirmation ID, filed_on
  //   3. Match (filer, year) against filing_history; upsertFilingRecord
  //      with the extracted values
  //   4. Show a one-line confirmation: "✓ FBAR for {name} {year} marked
  //      as filed on {date} (BSA ID {id})"
  //
  // Build when there's actual demand. Until then, users mark filings
  // by hand on the Filing tab.

  // ====================================================================
  // EXISTING-ACCOUNT MERGE — re-uploaded document
  // ====================================================================
  //
  // When the user re-uploads a document we've already seen (matched
  // by SHA-256 of the file bytes), we DON'T create a second account.
  // Instead, we extract again and merge any newly-discovered yearly
  // balances into the existing account's balance set.
  //
  // Merge rules:
  //   - For each extracted year not in existing balances → ADD it.
  //   - For each extracted year that IS in existing balances:
  //       - if the values match → SKIP (no change).
  //       - if values differ → UPDATE the existing row to the
  //         extracted value and note the change. The new scan is
  //         assumed to be more recent / authoritative.
  //   - Account-level fields (institution_name, address, etc.) are
  //     left alone — the user has already curated those. Re-upload
  //     should add new data, not overwrite curation.
  //
  // Shows a summary modal afterwards listing what was added /
  // updated / skipped.
  // Multi-account documents (FD certificates with N sub-deposits,
  // brokerage statements with multiple sub-accounts, etc.) get one
  // top-level extraction containing an `accounts[]` array. We create
  // N separate account records, each:
  //   - inheriting shared metadata (institution, country, currency,
  //     address, etc.) from the top-level fields
  //   - overriding with per-entry fields when present
  //   - sharing the parent SHA-256 hash so all N hit the same
  //     duplicate-detection bucket on re-upload
  //   - cross-linked via `_extracted_sibling_ids` so the verification
  //     banner can show "1 of 5 accounts from this document".
  function applyMultiAccountExtraction(extracted, sourceFile, usage, sourceHash, preselectedFilerIds) {
    const filers = getFilers();
    const allAccounts = getAccounts();
    const subAccounts = extracted.accounts || [];
    if (subAccounts.length === 0) return null;

    // Resolve filer ownership once for all N children.
    let filerIds = [];
    if (Array.isArray(preselectedFilerIds) && preselectedFilerIds.length > 0) {
      filerIds = preselectedFilerIds.filter(id => filers.find(f => f.id === id));
    } else if (filers.length === 1) {
      filerIds = [filers[0].id];
    }

    // Pre-allocate ids so we can cross-reference siblings.
    const newIds = subAccounts.map(() => TB.utils.uuid());
    const created = [];

    subAccounts.forEach((sub, i) => {
      const fresh = blankAccount();
      fresh.id = newIds[i];
      fresh.filer_ids = filerIds.slice();

      // Inherit shared metadata from top-level
      if (extracted.institution_name)        fresh.institution_name = extracted.institution_name;
      if (extracted.institution_name_en)     fresh.institution_name = extracted.institution_name_en;
      if (extracted.institution_name_jp)     fresh.institution_name_jp = extracted.institution_name_jp;
      if (extracted.institution_address)     fresh.institution_address = extracted.institution_address;
      if (extracted.institution_address_jp)  fresh.institution_address_jp = extracted.institution_address_jp;
      if (extracted.country)                 fresh.country = String(extracted.country).toUpperCase().slice(0, 5);
      if (extracted.currency)                fresh.currency = String(extracted.currency).toUpperCase().slice(0, 4);
      if (extracted.account_type && ['bank', 'securities', 'other'].indexOf(extracted.account_type) !== -1) {
        fresh.account_type = extracted.account_type;
      }

      // Per-entry overrides
      if (sub.account_number)  fresh.account_number_full = String(sub.account_number);
      if (sub.account_type && ['bank', 'securities', 'other'].indexOf(sub.account_type) !== -1) {
        fresh.account_type = sub.account_type;
      }
      if (sub.currency) fresh.currency = String(sub.currency).toUpperCase().slice(0, 4);

      // Notes: combine per-entry notes with FD-specific structured info
      const noteParts = [];
      if (sub.notes) noteParts.push(String(sub.notes));
      if (sub.principal_amount != null) {
        noteParts.push('Principal: ' + Number(sub.principal_amount).toLocaleString() + ' ' + fresh.currency);
      }
      if (sub.interest_rate_pct != null) {
        noteParts.push('Rate: ' + sub.interest_rate_pct + '%');
      }
      if (sub.open_date) noteParts.push('Opened: ' + sub.open_date);
      if (sub.maturity_date) noteParts.push('Matures: ' + sub.maturity_date);
      if (noteParts.length > 0) fresh.notes = noteParts.join(' · ');

      // Opened/closed-year sanity checks. Vision extraction on aged
      // Japanese passbook scans can misread era prefixes (R5 vs H17
      // vs 平成24, etc.) or confuse deposit-row dates with payment-row
      // dates. The apply path enforces several invariants and rejects
      // values that violate them, surfacing warnings for user review.
      const today = new Date().getUTCFullYear();

      // Look up the primary filer's DOB year, if any — accounts can't
      // be opened before the account holder is born.
      const primaryFiler = filers.find(f => f.id === fresh.filer_ids[0]);
      let filerDobYear = null;
      if (primaryFiler && primaryFiler.dob) {
        const dy = parseInt(String(primaryFiler.dob).slice(0, 4), 10);
        if (dy >= 1900 && dy <= 2200) filerDobYear = dy;
      }

      const openYr = sub.open_date ? parseInt(String(sub.open_date).slice(0, 4), 10) : null;
      const matYr = sub.maturity_date ? parseInt(String(sub.maturity_date).slice(0, 4), 10) : null;

      function warn(msg) {
        if (!fresh._extracted_warnings) fresh._extracted_warnings = [];
        fresh._extracted_warnings.push(msg);
        console.warn('[fbar.upload]', msg);
      }

      let openYrValid = false;
      if (openYr != null && isFinite(openYr)) {
        if (openYr > today) {
          warn('Extracted open_date "' + sub.open_date + '" is in the future — ' +
            'likely a Japanese-era misconversion (平成 vs 令和, or maturity ' +
            'confused with deposit). Year Opened left blank.');
        } else if (filerDobYear && openYr < filerDobYear) {
          warn('Extracted open_date "' + sub.open_date + '" is before the account ' +
            'owner\'s date of birth (' + primaryFiler.dob + ') — impossible. ' +
            'Likely an era misread (e.g., R5 read as 2005 instead of 2023). ' +
            'Year Opened left blank.');
        } else if (openYr < 1900) {
          warn('Extracted open_date "' + sub.open_date + '" is before 1900 — ignored.');
        } else {
          openYrValid = true;
          fresh.opened_year = openYr;
        }
      }

      if (matYr != null && isFinite(matYr)) {
        if (matYr > today + 100) {
          warn('Extracted maturity_date "' + sub.maturity_date + '" is more than 100 ' +
            'years out — likely an era misconversion. Year Closed left blank.');
        } else if (filerDobYear && matYr < filerDobYear) {
          warn('Extracted maturity_date "' + sub.maturity_date + '" is before the ' +
            'account owner\'s date of birth — impossible. Year Closed left blank.');
        } else if (openYrValid && matYr === openYr) {
          // Same-year open and close: possible for very short-term
          // FDs but unusual. The model may have read a payment-row
          // date as the open_date — common 通帳 misread. Don't
          // auto-set closed_year; let the user verify.
          warn('Extracted maturity_date (' + sub.maturity_date + ') is the SAME YEAR as ' +
            'open_date (' + sub.open_date + ') — unusual for a fixed deposit and a ' +
            'common indicator of date confusion. Year Closed left blank for review.');
        } else if (openYrValid && matYr < openYr) {
          warn('Extracted maturity_date (' + sub.maturity_date + ') is BEFORE open_date ' +
            '(' + sub.open_date + ') — impossible. Year Closed left blank.');
        } else if (matYr >= 1900 && matYr < today) {
          fresh.closed_year = matYr;
        }
        // Future maturity dates (matYr >= today, < today+100): leave
        // closed_year null — FD is still in its term.
      }

      // Metadata
      fresh._extracted_from = sourceFile;
      fresh._extracted_at = new Date().toISOString();
      fresh._extracted_source_hash = sourceHash || null;
      fresh._extracted_confidence = extracted.confidence || null;
      fresh._extracted_usage = usage || null;
      fresh._extracted_partial = !!extracted._partial;
      fresh._verified = false;
      fresh._extracted_multi_account = true;
      fresh._extracted_sibling_ids = newIds.slice();
      fresh._extracted_sibling_index = i;
      fresh._extracted_sibling_count = subAccounts.length;

      allAccounts.unshift(fresh);
      created.push({ account: fresh, sub });
    });
    setAccounts(allAccounts);

    // Build yearly_balance rows for each sub-account
    const balances = getBalances();
    const yearsCreated = new Set();
    created.forEach(({ account, sub }) => {
      let yearEntries = [];
      if (Array.isArray(sub.years_covered) && sub.years_covered.length > 0) {
        for (const e of sub.years_covered) {
          const yr = parseInt(e && e.year, 10);
          const max = parseFloat(e && e.max_balance_native);
          if (!isFinite(max) || !(yr >= 1900 && yr <= 2200)) continue;
          yearEntries.push({ year: yr, max, date: (e && e.max_balance_date) || '' });
        }
      }
      const filled = fillCarryForwardYears(yearEntries, account.closed_year);
      const trackedYears = [];
      for (const entry of filled) {
        const fxInfo = fxRateFor(account.currency, entry.year);
        const usd = account.currency === 'USD'
          ? entry.max
          : (fxInfo.rate ? entry.max / fxInfo.rate : null);
        const noteSuffix = entry._carry_forward
          ? 'Carry-forward from ' + entry._carried_from + ' (no transactions detected — verify before filing)'
          : 'AI-extracted from ' + sourceFile;
        balances.push({
          id: TB.utils.uuid(),
          account_id: account.id,
          year: String(entry.year),
          max_balance_native: entry.max,
          max_balance_date: entry.date,
          fx_rate_used: fxInfo.rate,
          fx_rate_source: fxInfo.source || (account.currency === 'USD' ? 'USD' : ''),
          fx_rate_overridden: false,
          max_balance_usd: usd,
          notes: noteSuffix,
        });
        trackedYears.push(entry.year);
        yearsCreated.add(entry.year);
      }
      // Stamp the years on the account record so the verification banner
      // can show them.
      const allAfter = getAccounts();
      const idx = allAfter.findIndex(a => a.id === account.id);
      if (idx >= 0) {
        allAfter[idx] = Object.assign({}, allAfter[idx], { _extracted_years: trackedYears.slice() });
        setAccounts(allAfter);
      }
    });
    setBalances(balances);

    // Surface successful multi-account creation in console + reset
    // module filters so all new accounts are visible.
    console.info('[fbar.upload] multi-account: created', created.length, 'records, years touched:',
      Array.from(yearsCreated).sort());
    accountFilters = { filerId: '', year: '', currency: '' };
    balancesFilterFilerId = '';
    if (yearsCreated.size > 0) {
      activeYear = String(Math.max.apply(null, Array.from(yearsCreated)));
    }
    activeTab = 'accounts';
    render(host);

    // Return the FIRST sub-account's id so any downstream chain
    // (e.g. auto-enrich) targets a real record. Multi-account skips
    // the name-conflict path because there's no single "primary"
    // filer-name field to compare against.
    return { accountId: newIds[0], pendingNameConflict: null };
  }

  function applyExtractionToExistingAccount(accountId, extracted, sourceFile, sourceHash, usage) {
    if (!extracted) return;
    console.info('[fbar.upload-merge] Re-extraction for existing account', accountId, ':', extracted);

    const accounts = getAccounts();
    const idx = accounts.findIndex(a => a.id === accountId);
    if (idx < 0) return;
    const existingAccount = accounts[idx];

    // Build the same yearEntries array as the new-account path.
    let yearEntries = [];
    if (Array.isArray(extracted.years_covered) && extracted.years_covered.length > 0) {
      for (const e of extracted.years_covered) {
        const yr = parseInt(e && e.year, 10);
        const max = parseFloat(e && e.max_balance_native);
        if (!isFinite(max) || !(yr >= 1900 && yr <= 2200)) continue;
        yearEntries.push({ year: yr, max, date: (e && e.max_balance_date) || '' });
      }
    }
    if (yearEntries.length === 0
        && Array.isArray(extracted.balance_entries)
        && extracted.balance_entries.length > 0) {
      const byYear = {};
      for (const e of extracted.balance_entries) {
        if (!e) continue;
        const date = String(e.date || '');
        const yr = parseInt(date.slice(0, 4), 10);
        const bal = parseFloat(e.balance_native);
        if (!isFinite(bal) || !(yr >= 1900 && yr <= 2200)) continue;
        if (!byYear[yr] || bal > byYear[yr].max) byYear[yr] = { max: bal, date };
      }
      yearEntries = Object.entries(byYear).map(([yr, info]) => ({
        year: parseInt(yr, 10), max: info.max, date: info.date,
      }));
    }
    if (yearEntries.length === 0
        && extracted.year && extracted.max_balance_native != null) {
      const yr = parseInt(extracted.year, 10);
      const max = parseFloat(extracted.max_balance_native);
      if (isFinite(max) && yr >= 1900 && yr <= 2200) {
        yearEntries.push({ year: yr, max, date: extracted.max_balance_date || '' });
      }
    }
    yearEntries.sort((a, b) => a.year - b.year);

    // Apply carry-forward fill same as the new-account path.
    const filled = fillCarryForwardYears(yearEntries, existingAccount.closed_year);

    const balances = getBalances();
    const summary = { added: [], updated: [], unchanged: [] };

    for (const entry of filled) {
      const yrStr = String(entry.year);
      const existingBal = balances.find(
        b => b.account_id === accountId && String(b.year) === yrStr,
      );
      if (!existingBal) {
        // Add new year row.
        const fxInfo = fxRateFor(existingAccount.currency, entry.year);
        const usd = existingAccount.currency === 'USD'
          ? entry.max
          : (fxInfo.rate ? entry.max / fxInfo.rate : null);
        const noteSuffix = entry._carry_forward
          ? 'Carry-forward from ' + entry._carried_from + ' (no transactions detected — verify before filing)'
          : 'AI-extracted from ' + sourceFile + ' (re-upload)';
        balances.push({
          id: TB.utils.uuid(),
          account_id: accountId,
          year: yrStr,
          max_balance_native: entry.max,
          max_balance_date: entry.date,
          fx_rate_used: fxInfo.rate,
          fx_rate_source: fxInfo.source || (existingAccount.currency === 'USD' ? 'USD' : ''),
          fx_rate_overridden: false,
          max_balance_usd: usd,
          notes: noteSuffix,
        });
        summary.added.push(entry.year);
      } else {
        // Existing year. Compare values.
        const sameMax = Math.abs((Number(existingBal.max_balance_native) || 0) - entry.max) < 0.01;
        if (sameMax) {
          summary.unchanged.push(entry.year);
        } else {
          // Update the existing balance — extracted value is treated
          // as the more recent / authoritative scan.
          const i = balances.findIndex(b => b.id === existingBal.id);
          if (i >= 0) {
            const fxInfo = fxRateFor(existingAccount.currency, entry.year);
            const usd = existingAccount.currency === 'USD'
              ? entry.max
              : (fxInfo.rate ? entry.max / fxInfo.rate : null);
            balances[i] = Object.assign({}, balances[i], {
              max_balance_native: entry.max,
              max_balance_date: entry.date || balances[i].max_balance_date,
              max_balance_usd: usd,
              notes: 'Updated from re-uploaded ' + sourceFile + ' (was ' + existingBal.max_balance_native + ')',
            });
            summary.updated.push({ year: entry.year, from: existingBal.max_balance_native, to: entry.max });
          }
        }
      }
    }
    setBalances(balances);

    // Refresh account metadata: bump _extracted_at, store new hash
    // (could be different from existing if user replaced a partial
    // upload with a full one).
    accounts[idx] = Object.assign({}, accounts[idx], {
      _extracted_at: new Date().toISOString(),
      _extracted_source_hash: sourceHash || accounts[idx]._extracted_source_hash,
      _extracted_from: sourceFile + ' (re-upload)',
    });
    setAccounts(accounts);

    accountFilters = { filerId: '', year: '', currency: '' };
    balancesFilterFilerId = '';
    activeTab = 'accounts';
    render(host);

    // Show what changed.
    setTimeout(() => openMergeSummaryModal(existingAccount, summary, sourceFile), 80);
  }

  function openMergeSummaryModal(account, summary, sourceFile) {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    let modalRoot = document.getElementById('tb-modal-root');
    if (!modalRoot) {
      modalRoot = el('div', { id: 'tb-modal-root' });
      document.body.appendChild(modalRoot);
    }
    function closeModal() { modalRoot.innerHTML = ''; }

    const fmtList = (arr) => arr.length ? arr.join(' · ') : '—';
    const fmtUpdates = summary.updated.length
      ? summary.updated.map(u => u.year + ' (' + u.from + ' → ' + u.to + ')').join(', ')
      : '—';

    const card = el('div', { class: 'tb-modal' },
      el('h2', { style: { marginTop: 0 } }, '🔁 ' + t('fbar.dup.summary.title')),
      el('p', { class: 'tb-card-meta' }, t('fbar.dup.summary.body', {
        institution: account.institution_name || account.institution_name_jp || '—',
        file: sourceFile,
      })),
      el('div', {
        style: { padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)', marginBottom: 'var(--tb-sp-3)' },
      },
        el('div', null,
          el('strong', { style: { color: 'var(--tb-success)' } }, '✓ ' + t('fbar.dup.summary.added') + ': '),
          fmtList(summary.added),
        ),
        el('div', { style: { marginTop: 'var(--tb-sp-2)' } },
          el('strong', { style: { color: 'var(--tb-warn)' } }, '↻ ' + t('fbar.dup.summary.updated') + ': '),
          fmtUpdates,
        ),
        el('div', { style: { marginTop: 'var(--tb-sp-2)' } },
          el('strong', { style: { color: 'var(--tb-text-soft)' } }, '· ' + t('fbar.dup.summary.unchanged') + ': '),
          fmtList(summary.unchanged),
        ),
      ),
      el('div', { class: 'tb-btn-row' },
        el('button', { class: 'tb-btn', onclick: closeModal }, t('fbar.action.done')),
      ),
    );
    const backdrop = el('div', {
      class: 'tb-modal-backdrop',
      onclick: (e) => { if (e.target === backdrop) closeModal(); },
    }, card);
    modalRoot.appendChild(backdrop);
  }

  // Promise-based modal that fires when an upload's EXTRACTED
  // account number matches an existing record (different file, same
  // account). Resolves to "merge" / "new" / "cancel".
  function openAccountNumberMergeChoice(existingAccount, result, file) {
    return new Promise((resolve) => {
      const el = TB.utils.el;
      const t = TB.i18n.t;
      const lang = TB.i18n.getLang();

      let modalRoot = document.getElementById('tb-modal-root');
      if (!modalRoot) {
        modalRoot = el('div', { id: 'tb-modal-root' });
        document.body.appendChild(modalRoot);
      }
      // Remove the consent modal we were showing before opening this.
      modalRoot.innerHTML = '';

      function pick(answer) {
        modalRoot.innerHTML = '';
        resolve(answer);
      }

      const ownerNames = (existingAccount.filer_ids || [])
        .map(id => findFiler(id))
        .filter(Boolean)
        .map(f => displayName(f, lang))
        .join(', ') || '—';
      const inst = existingAccount.institution_name
        || existingAccount.institution_name_jp
        || '(unnamed)';
      const extractedAcct = result.extracted && result.extracted.account_number || '—';

      const card = el('div', { class: 'tb-modal' },
        el('h2', { style: { marginTop: 0 } }, '🔀 ' + t('fbar.acctmatch.title')),
        el('p', { class: 'tb-card-meta' }, t('fbar.acctmatch.body')),
        el('div', {
          style: { padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)', marginBottom: 'var(--tb-sp-3)' },
        },
          el('div', null,
            el('strong', null, inst),
            el('span', { class: 'tb-card-meta', style: { marginLeft: 'var(--tb-sp-2)' } },
              existingAccount.country + ' · ' + existingAccount.currency,
            ),
          ),
          el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-1)' } },
            '👤 ' + ownerNames,
          ),
          el('div', { class: 'tb-card-meta', style: { fontFamily: 'var(--tb-font-mono)', marginTop: 'var(--tb-sp-2)' } },
            t('fbar.acctmatch.existingNum') + ': ' + (existingAccount.account_number_full || '—'),
          ),
          el('div', { class: 'tb-card-meta', style: { fontFamily: 'var(--tb-font-mono)', color: 'var(--tb-navy)' } },
            t('fbar.acctmatch.extractedNum') + ': ' + extractedAcct,
          ),
        ),
        el('div', { class: 'tb-disclaimer-inline' }, t('fbar.acctmatch.explainer')),
        el('div', { style: { display: 'grid', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-3)' } },
          el('button', {
            class: 'tb-btn',
            onclick: () => pick('merge'),
          }, '↻ ' + t('fbar.acctmatch.choice.merge')),
          el('button', {
            class: 'tb-btn tb-btn--secondary',
            onclick: () => pick('new'),
          }, '+ ' + t('fbar.acctmatch.choice.new')),
          el('button', {
            class: 'tb-btn tb-btn--ghost',
            onclick: () => pick('cancel'),
          }, t('fbar.action.cancel')),
        ),
      );
      const backdrop = el('div', {
        class: 'tb-modal-backdrop',
        onclick: (e) => { if (e.target === backdrop) pick('cancel'); },
      }, card);
      modalRoot.appendChild(backdrop);
    });
  }

  function openDuplicateModal(file, hash, existingAccount) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    let modalRoot = document.getElementById('tb-modal-root');
    if (!modalRoot) {
      modalRoot = el('div', { id: 'tb-modal-root' });
      document.body.appendChild(modalRoot);
    }
    function closeModal() { modalRoot.innerHTML = ''; }

    const ownerNames = (existingAccount.filer_ids || [])
      .map(id => findFiler(id))
      .filter(Boolean)
      .map(f => displayName(f, lang))
      .join(', ') || '—';
    const inst = existingAccount.institution_name
      || existingAccount.institution_name_jp
      || '(unnamed)';
    const originalUpload = existingAccount._extracted_at
      ? String(existingAccount._extracted_at).replace('T', ' ').slice(0, 19)
      : '—';

    const card = el('div', { class: 'tb-modal' },
      el('h2', { style: { marginTop: 0 } }, '🔁 ' + t('fbar.dup.title')),
      el('p', { class: 'tb-card-meta' }, t('fbar.dup.body')),
      el('div', {
        style: { padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)', marginBottom: 'var(--tb-sp-3)' },
      },
        el('div', null,
          el('strong', null, inst),
          el('span', { class: 'tb-card-meta', style: { marginLeft: 'var(--tb-sp-2)' } },
            existingAccount.country + ' · ' + existingAccount.currency,
          ),
        ),
        el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-1)' } },
          '👤 ' + ownerNames,
        ),
        el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-1)' } },
          t('fbar.dup.originalFile') + ': ' + (existingAccount._extracted_from || '—'),
        ),
        el('div', { class: 'tb-card-meta' },
          t('fbar.dup.originalUpload') + ': ' + originalUpload,
        ),
        el('div', { class: 'tb-card-meta', style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)', marginTop: 'var(--tb-sp-2)' } },
          'sha256: ' + (hash ? hash.slice(0, 16) + '…' : '—'),
        ),
      ),
      el('div', { class: 'tb-disclaimer-inline' }, t('fbar.dup.explainer')),
      el('div', { style: { display: 'grid', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-3)' } },
        el('button', {
          class: 'tb-btn',
          onclick: () => { closeModal(); showConsentModal(file, hash, existingAccount); },
        }, '↻ ' + t('fbar.dup.choice.update')),
        el('button', {
          class: 'tb-btn tb-btn--secondary',
          onclick: () => { closeModal(); showConsentModal(file, hash, null); },
        }, '+ ' + t('fbar.dup.choice.addNew')),
        el('button', {
          class: 'tb-btn tb-btn--ghost',
          onclick: closeModal,
        }, t('fbar.action.cancel')),
      ),
    );
    const backdrop = el('div', {
      class: 'tb-modal-backdrop',
      onclick: (e) => { if (e.target === backdrop) closeModal(); },
    }, card);
    modalRoot.appendChild(backdrop);
  }

  function maybePopulateFilerFromExtraction(filerId, extracted) {
    if (!extracted) return null;
    const filers = getFilers();
    const i = filers.findIndex(f => f.id === filerId);
    if (i < 0) return null;
    const filer = filers[i];
    const exJp = extracted.account_holder_name_jp || null;
    const exEn = extracted.account_holder_name || null;

    const patch = {};
    let conflict = null;

    if (exJp) {
      if (!filer.name_jp) {
        patch.name_jp = exJp;
      } else if (normalizeName(filer.name_jp) !== normalizeName(exJp)) {
        conflict = {
          filerId,
          field: 'name_jp',
          existing: filer.name_jp,
          extracted: exJp,
          source: extracted._extracted_source || 'the uploaded document',
        };
      }
    }

    // English name: only auto-fill if empty. Conflict is rarely
    // useful here (many casing variations) so we don't prompt.
    if (exEn && !filer.name_en) {
      patch.name_en = exEn;
    }

    if (Object.keys(patch).length > 0) {
      filers[i] = Object.assign({}, filer, patch);
      setFilers(filers);
      console.info('[fbar.upload] Auto-filled filer fields from scan:', Object.keys(patch));
    }
    return conflict;
  }

  // Loose comparison for names — strips whitespace and trailing
  // punctuation. "鈴木 さくら" vs "鈴木さくら" → same.
  function normalizeName(s) {
    return String(s || '').replace(/\s+/g, '').replace(/[.,、・]/g, '').toLowerCase();
  }

  // Modal that asks the user to pick between two candidate values
  // for a filer name field after a scan turned up a different value.
  function openNameConflictModal(conflict) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const filer = findFiler(conflict.filerId);
    if (!filer) return;

    let modalRoot = document.getElementById('tb-modal-root');
    if (!modalRoot) {
      modalRoot = el('div', { id: 'tb-modal-root' });
      document.body.appendChild(modalRoot);
    }
    function closeModal() { modalRoot.innerHTML = ''; }

    function applyChoice(value) {
      const filers = getFilers();
      const i = filers.findIndex(f => f.id === conflict.filerId);
      if (i >= 0) {
        filers[i] = Object.assign({}, filers[i], { [conflict.field]: value });
        setFilers(filers);
      }
      closeModal();
      renderActiveTab();
    }

    const fieldLabel = conflict.field === 'name_jp'
      ? t('fbar.filers.name_jp')
      : t('fbar.filers.name_en');

    const card = el('div', { class: 'tb-modal' },
      el('h2', { style: { marginTop: 0 } }, t('fbar.conflict.title')),
      el('p', { class: 'tb-card-meta' },
        t('fbar.conflict.body', {
          field: fieldLabel,
          filer: displayName(filer, TB.i18n.getLang()) || filer.name_en || '—',
        }),
      ),

      // Existing value
      el('div', {
        style: {
          display: 'flex', justifyContent: 'space-between', alignItems: 'center',
          padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          border: '1px solid var(--tb-border)', borderRadius: 'var(--tb-radius-2)',
          marginBottom: 'var(--tb-sp-3)',
        },
      },
        el('div', null,
          el('div', { class: 'tb-card-meta', style: { fontSize: 'var(--tb-fs-12)', textTransform: 'uppercase', letterSpacing: '0.06em' } },
            t('fbar.conflict.existing'),
          ),
          el('div', { style: { fontSize: 'var(--tb-fs-18)', marginTop: 'var(--tb-sp-1)' }, lang: 'ja' },
            conflict.existing,
          ),
        ),
        el('button', {
          class: 'tb-btn',
          onclick: () => applyChoice(conflict.existing),
        }, t('fbar.conflict.keep')),
      ),

      // Extracted value
      el('div', {
        style: {
          display: 'flex', justifyContent: 'space-between', alignItems: 'center',
          padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          border: '1px solid var(--tb-navy)', borderRadius: 'var(--tb-radius-2)',
          marginBottom: 'var(--tb-sp-3)',
        },
      },
        el('div', null,
          el('div', { class: 'tb-card-meta', style: { fontSize: 'var(--tb-fs-12)', textTransform: 'uppercase', letterSpacing: '0.06em' } },
            '⚡ ' + t('fbar.conflict.extracted'),
          ),
          el('div', { style: { fontSize: 'var(--tb-fs-18)', marginTop: 'var(--tb-sp-1)' }, lang: 'ja' },
            conflict.extracted,
          ),
        ),
        el('button', {
          class: 'tb-btn',
          onclick: () => applyChoice(conflict.extracted),
        }, t('fbar.conflict.replace')),
      ),

      el('div', { class: 'tb-btn-row' },
        el('button', { class: 'tb-btn tb-btn--secondary', onclick: closeModal },
          t('fbar.conflict.skip')),
      ),
    );

    const backdrop = el('div', {
      class: 'tb-modal-backdrop',
      onclick: (e) => { if (e.target === backdrop) closeModal(); },
    }, card);
    modalRoot.appendChild(backdrop);
  }

  // Defensively fill in dormant-year entries for an extracted set of
  // year balances. A bank account that has no transactions in a year
  // is still reportable for FBAR — the prior year's closing balance
  // carries forward. The vision model is asked to do this itself,
  // but we backfill any gaps it leaves AND extend to the current
  // calendar year if the account has no closed_year.
  //
  // Inputs:
  //   yearEntries    — array of {year, max, date}, presumed sorted asc.
  //   closedYear     — number | null. If set, no carry-forward past
  //                    this year.
  //
  // Output:
  //   array of {year, max, date, _carry_forward, _carried_from} where
  //   _carry_forward is true for synthesized entries.
  function fillCarryForwardYears(yearEntries, closedYear) {
    if (!Array.isArray(yearEntries) || yearEntries.length === 0) return [];

    const today = new Date().getUTCFullYear();

    // Defense in depth: drop any extracted entries whose year is in
    // the future. This catches FD certificates and other documents
    // where the model might extract a maturity date as a year, and
    // any other case where a future year ends up in years_covered.
    const sorted = yearEntries
      .filter(e => Number(e.year) <= today)
      .slice()
      .sort((a, b) => a.year - b.year);
    if (sorted.length === 0) return [];

    const filled = [];
    const map = {};
    for (const e of sorted) map[e.year] = e;

    const earliest = sorted[0].year;

    // End year: NEVER extend into the future. Cap at today's
    // calendar year (or earlier if the account was closed).
    // Previously used Math.max(today, latestExtracted) which let
    // future-year entries extend the carry-forward range past today.
    const endYear = closedYear
      ? Math.min(today, parseInt(closedYear, 10))
      : today;

    let lastBalance = null;
    let lastDate = '';
    let lastSourceYear = null;

    for (let y = earliest; y <= endYear; y++) {
      if (map[y]) {
        filled.push({
          year: map[y].year,
          max: map[y].max,
          date: map[y].date || '',
          _carry_forward: false,
        });
        lastBalance = map[y].max;
        lastDate = map[y].date || '';
        lastSourceYear = y;
      } else if (lastBalance != null) {
        filled.push({
          year: y,
          max: lastBalance,
          date: '',
          _carry_forward: true,
          _carried_from: lastSourceYear,
        });
      }
      // If we have no prior balance to carry from (gap before
      // earliest data), skip — there's nothing to infer from.
    }

    return filled;
  }

  function removeAccount(accountId) {
    if (!confirm(TB.i18n.t('fbar.accounts.delete.confirm'))) return;
    setAccounts(getAccounts().filter(a => a.id !== accountId));
    setBalances(getBalances().filter(b => b.account_id !== accountId));
    renderActiveTab();
  }

  // ====================================================================
  // YEARLY BALANCES
  // ====================================================================

  function renderBalances(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    if (!activeYear) activeYear = defaultYear();
    const accounts = getAccounts();
    const filers = getFilers();
    const yrs = knownYears();
    if (!yrs.includes(activeYear)) yrs.unshift(activeYear);

    const yearSelect = el('select', {
      class: 'tb-select',
      style: { maxWidth: '180px' },
      onchange: (e) => { activeYear = e.target.value; renderActiveTab(); },
    },
      ...yrs.map(y => el('option', { value: y, selected: y === activeYear }, y)),
    );

    // Per-filer filter dropdown — when set, restricts the balance
    // table AND the per-filer aggregate card to that filer's
    // accounts. Default '' = show every filer.
    const filerFilterSelect = el('select', {
      class: 'tb-select',
      style: { maxWidth: '240px' },
      onchange: (e) => { balancesFilterFilerId = e.target.value; renderActiveTab(); },
    },
      el('option', { value: '', selected: !balancesFilterFilerId }, t('fbar.balances.allFilers')),
      ...filers.map(f => el('option', {
        value: f.id, selected: balancesFilterFilerId === f.id,
      }, displayName(f, TB.i18n.getLang()) || '—')),
    );

    const headerCard = el('div', { class: 'tb-card', 'data-track': 'core' },
      el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-3)' } },
        el('h2', { style: { margin: 0 } }, t('fbar.balances.title')),
        el('div', { class: 'tb-btn-row', style: { margin: 0 } },
          el('label', { class: 'tb-field', style: { marginBottom: 0 } },
            el('span', { class: 'tb-field-label' }, t('fbar.balances.year')),
            yearSelect,
          ),
          el('button', { class: 'tb-btn tb-btn--secondary', onclick: addYearPrompt }, '+ ' + t('fbar.year.add')),
          el('button', { class: 'tb-btn tb-btn--secondary', onclick: copyFromPrevYear }, t('fbar.balances.copy_prev', { year: prevYearOf(activeYear) })),
        ),
      ),
      el('p', { class: 'tb-card-meta' }, t('fbar.balances.intro')),
      // Filer filter — appears only if there are 2+ filers
      filers.length >= 2
        ? el('div', { style: { display: 'flex', gap: 'var(--tb-sp-3)', alignItems: 'center', marginTop: 'var(--tb-sp-3)', flexWrap: 'wrap' } },
            el('label', { class: 'tb-field-label', style: { margin: 0, whiteSpace: 'nowrap' } },
              t('fbar.balances.filerFilter'),
            ),
            filerFilterSelect,
            balancesFilterFilerId
              ? el('button', {
                  class: 'tb-btn tb-btn--ghost',
                  style: { padding: '2px 10px' },
                  onclick: () => { balancesFilterFilerId = ''; renderActiveTab(); },
                }, '× ' + t('fbar.balances.clearFilter'))
              : null,
          )
        : null,
      buildYearsOnFileStrip(),
    );
    tabHost.appendChild(headerCard);

    if (accounts.length === 0) {
      tabHost.appendChild(emptyCard(t('fbar.accounts.empty'), () => { activeTab = 'accounts'; render(host); }, t('fbar.accounts.add')));
      return;
    }

    let activeAccounts = accounts.filter(a => isAccountActiveInYear(a, activeYear));
    if (balancesFilterFilerId) {
      activeAccounts = activeAccounts.filter(a => (a.filer_ids || []).includes(balancesFilterFilerId));
    }
    if (activeAccounts.length === 0) {
      const msg = balancesFilterFilerId
        ? t('fbar.balances.no-accounts-for-filer', { year: activeYear })
        : t('fbar.balances.no-accounts-active', { year: activeYear });
      tabHost.appendChild(emptyCard(msg));
      return;
    }

    // The balances table.
    const tableWrap = el('div', { class: 'tb-card', 'data-track': 'core' });
    tableWrap.appendChild(el('h3', null, activeYear));
    const table = el('table', {
      class: 'tb-fbar-balances-table',
      style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-14)' },
    });
    table.appendChild(el('thead', null,
      el('tr', null,
        el('th', { style: thStyle() }, t('fbar.balances.col.account')),
        el('th', { style: thStyle() }, t('fbar.balances.col.currency')),
        el('th', { style: thStyle('right') }, t('fbar.balances.col.max_native')),
        el('th', { style: thStyle() }, t('fbar.balances.col.max_date')),
        el('th', { style: thStyle('right') }, t('fbar.balances.col.fx_rate')),
        el('th', { style: thStyle() }, t('fbar.balances.col.fx_source')),
        el('th', { style: thStyle('right') }, t('fbar.balances.col.max_usd')),
        el('th', { style: thStyle() }, ''),
      ),
    ));

    const tbody = el('tbody', { id: 'tb-fbar-balances-tbody' });
    let missingCount = 0;
    for (const acct of activeAccounts) {
      const { row, missing } = buildBalanceRow(acct, activeYear);
      if (missing) missingCount++;
      tbody.appendChild(row);
    }
    table.appendChild(tbody);

    const wrapInScroll = el('div', { style: { overflowX: 'auto' } }, table);
    tableWrap.appendChild(wrapInScroll);

    if (missingCount > 0) {
      tableWrap.appendChild(el('div', {
        class: 'tb-disclaimer-inline',
        style: { borderLeftColor: 'var(--tb-warn)', marginTop: 'var(--tb-sp-3)' },
      }, t('fbar.balances.missing-warning', { count: missingCount })));
    }

    tabHost.appendChild(tableWrap);

    // Per-filer aggregate card. Honors the filer filter — when set,
    // shows only the selected filer's aggregate.
    const aggregateFilers = balancesFilterFilerId
      ? filers.filter(f => f.id === balancesFilterFilerId)
      : filers;
    tabHost.appendChild(buildAggregateCard(aggregateFilers, activeYear));
  }

  function buildYearsOnFileStrip() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const yearsWithData = new Set();
    for (const b of getBalances()) {
      if (b.max_balance_native != null) yearsWithData.add(String(b.year));
    }
    const sorted = Array.from(yearsWithData).sort();
    if (sorted.length === 0) return null;

    return el('div', {
      style: {
        marginTop: 'var(--tb-sp-3)',
        padding: 'var(--tb-sp-3)',
        background: 'var(--tb-bg)',
        border: '1px solid var(--tb-border)',
        borderRadius: 'var(--tb-radius-2)',
      },
    },
      el('div', {
        class: 'tb-card-meta',
        style: { marginBottom: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)', textTransform: 'uppercase', letterSpacing: '0.06em' },
      }, t('fbar.balances.yearsOnFile', { count: sorted.length })),
      el('div', { style: { display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' } },
        ...sorted.map(y => el('button', {
          class: 'tb-btn ' + (y === activeYear ? '' : 'tb-btn--secondary'),
          style: { padding: '4px 14px', fontSize: 'var(--tb-fs-14)', fontFamily: 'var(--tb-font-mono)' },
          onclick: () => { activeYear = y; renderActiveTab(); },
        }, y)),
      ),
    );
  }

  function buildBalanceRow(acct, year) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const balances = getBalances();
    let bal = balances.find(b => b.account_id === acct.id && String(b.year) === String(year));
    if (!bal) {
      // Create a placeholder balance row in state on demand so user
      // edits persist immediately.
      bal = blankBalance(acct.id, year);
      // Pre-fill FX rate.
      const fx = fxRateFor(acct.currency, year);
      bal.fx_rate_used = fx.rate;
      bal.fx_rate_source = fx.source || (acct.currency === 'USD' ? 'USD' : '');
      balances.push(bal);
      setBalances(balances);
    }

    function recomputeAndSave(patch) {
      const allBalances = getBalances();
      const i = allBalances.findIndex(b => b.id === bal.id);
      if (i < 0) return;
      const updated = Object.assign({}, allBalances[i], patch);

      const native = parseFloat(updated.max_balance_native);
      const rate = parseFloat(updated.fx_rate_used);
      if (isFinite(native) && isFinite(rate) && rate > 0) {
        updated.max_balance_usd = acct.currency === 'USD' ? native : (native / rate);
      } else {
        updated.max_balance_usd = null;
      }
      allBalances[i] = updated;
      setBalances(allBalances);

      // Update the row's USD cell + the aggregate card without
      // touching the input being edited.
      const cell = host.querySelector(`[data-fbar-balance-usd="${bal.id}"]`);
      if (cell) cell.textContent = updated.max_balance_usd == null ? '—' : TB.utils.formatUSD(updated.max_balance_usd);
      refreshAggregateCard(year);
    }

    const nativeInput = el('input', {
      class: 'tb-input',
      type: 'number', step: 'any', min: '0',
      value: bal.max_balance_native == null ? '' : bal.max_balance_native,
      oninput: (e) => recomputeAndSave({ max_balance_native: e.target.value === '' ? null : parseFloat(e.target.value) }),
      style: { textAlign: 'right' },
    });

    const dateInput = el('input', {
      class: 'tb-input',
      type: 'date',
      value: bal.max_balance_date || '',
      onchange: (e) => recomputeAndSave({ max_balance_date: e.target.value }),
    });

    const fxInput = el('input', {
      class: 'tb-input',
      type: 'number', step: 'any', min: '0',
      value: bal.fx_rate_used == null ? '' : bal.fx_rate_used,
      oninput: (e) => {
        const v = e.target.value === '' ? null : parseFloat(e.target.value);
        const auto = fxRateFor(acct.currency, year).rate;
        // Source labeling:
        //   - empty input + auto present → Treasury label
        //   - empty input + no auto      → "missing"
        //   - value matches auto         → Treasury label, not overridden
        //   - value differs from auto    → Manual override
        //   - value present + no auto    → Manual override (user supplied a rate the table didn't have)
        let overridden, sourceStored, sourceLabel;
        if (v == null) {
          overridden = false;
          sourceStored = auto != null ? ('Treasury Year-End ' + year + ' (UNVERIFIED)') : t('fbar.balances.fx.missing');
          sourceLabel = auto != null ? t('fbar.balances.fx.auto', { year }) : t('fbar.balances.fx.missing');
        } else if (auto != null && Math.abs(v - auto) <= 1e-9) {
          overridden = false;
          sourceStored = 'Treasury Year-End ' + year + ' (UNVERIFIED)';
          sourceLabel = t('fbar.balances.fx.auto', { year });
        } else {
          overridden = true;
          sourceStored = t('fbar.balances.fx.override');
          sourceLabel = t('fbar.balances.fx.override');
        }
        recomputeAndSave({
          fx_rate_used: v,
          fx_rate_overridden: overridden,
          fx_rate_source: sourceStored,
        });
        const srcCell = host.querySelector(`[data-fbar-balance-src="${bal.id}"]`);
        if (srcCell) srcCell.textContent = sourceLabel;
      },
      style: { textAlign: 'right', width: '100%' },
      disabled: acct.currency === 'USD',
    });

    const usdCell = el('td', {
      style: tdStyle('right'),
      'data-fbar-balance-usd': bal.id,
    }, bal.max_balance_usd == null ? '—' : TB.utils.formatUSD(bal.max_balance_usd));

    const sourceLabel = acct.currency === 'USD'
      ? 'USD'
      : (bal.fx_rate_overridden ? t('fbar.balances.fx.override')
        : fxRateFor(acct.currency, year).rate != null
          ? t('fbar.balances.fx.auto', { year })
          : t('fbar.balances.fx.missing'));

    const isCarryForward = String(bal.notes || '').startsWith('Carry-forward from');
    const carryHint = isCarryForward
      ? el('div', {
          class: 'tb-card-meta',
          style: { color: 'var(--tb-warn)', fontSize: 'var(--tb-fs-12)', marginTop: 'var(--tb-sp-1)' },
        }, 'ℹ ' + t('fbar.balances.carryForwardHint'))
      : null;

    // Owner / filer names — surfaces which household member each
    // row belongs to. Critical when two filers have similarly-named
    // accounts (e.g., parent + child both at Japan Post Bank).
    const lang = TB.i18n.getLang();
    const ownerNames = (acct.filer_ids || [])
      .map(id => findFiler(id))
      .filter(Boolean)
      .map(f => displayName(f, lang) || '—');
    const ownerLine = ownerNames.length > 0
      ? el('div', {
          class: 'tb-card-meta',
          style: { fontSize: 'var(--tb-fs-12)', marginTop: 'var(--tb-sp-1)', fontWeight: 500, color: 'var(--tb-navy)' },
        }, '👤 ' + ownerNames.join(' · '))
      : el('div', {
          class: 'tb-card-meta',
          style: { fontSize: 'var(--tb-fs-12)', marginTop: 'var(--tb-sp-1)', color: 'var(--tb-warn)' },
        }, '⚠ ' + t('fbar.balances.unowned'));

    const deleteBtn = el('button', {
      class: 'tb-btn tb-btn--ghost',
      style: { padding: '2px 8px', fontSize: 'var(--tb-fs-12)' },
      title: t('fbar.balances.row.delete.tooltip'),
      onclick: () => {
        if (!confirm(t('fbar.balances.row.delete.confirm', {
          institution: acct.institution_name || acct.institution_name_jp || '—',
          year: year,
        }))) return;
        const all = getBalances().filter(b => b.id !== bal.id);
        setBalances(all);
        renderActiveTab();
      },
    }, '×');

    const row = el('tr',
      acct.country === 'US' ? { style: { background: 'rgba(0,0,0,0.03)' } } : null,
      el('td', { style: tdStyle() },
        el('strong', null, acct.institution_name || acct.institution_name_jp || '(unnamed)'),
        el('div', { class: 'tb-card-meta' },
          acct.country + (acct.country === 'US' ? ' · excluded from FBAR aggregate' : '') +
          ' · ' + t('fbar.accounts.account_type.' + acct.account_type),
        ),
        ownerLine,
        carryHint,
      ),
      el('td', { style: tdStyle() }, acct.currency),
      el('td', { style: tdStyle('right') }, nativeInput),
      el('td', { style: tdStyle() }, dateInput),
      el('td', { style: tdStyle('right') }, fxInput),
      el('td', { style: tdStyle(), 'data-fbar-balance-src': bal.id }, sourceLabel),
      usdCell,
      el('td', { style: tdStyle() }, deleteBtn),
    );

    return { row, missing: bal.max_balance_native == null };
  }

  function buildAggregateCard(filers, year) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', {
      class: 'tb-card',
      'data-track': 'core',
      id: 'tb-fbar-aggregate-card',
    });
    refreshAggregateCardInto(card, filers, year);
    return card;
  }

  function refreshAggregateCard(year) {
    const card = host && host.querySelector('#tb-fbar-aggregate-card');
    if (!card) return;
    refreshAggregateCardInto(card, getFilers(), year);
  }

  function refreshAggregateCardInto(card, filers, year) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    card.innerHTML = '';
    card.appendChild(el('h2', null, t('fbar.balances.aggregate.title', { year })));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('fbar.balances.aggregate.threshold')));

    if (filers.length === 0) {
      card.appendChild(el('p', { class: 'tb-wizard-help' }, t('fbar.filers.empty')));
      return;
    }

    const lang = TB.i18n.getLang();
    const list = el('div', { style: { display: 'grid', gap: 'var(--tb-sp-3)' } });
    for (const f of filers) {
      const status = thresholdStatus(f.id, year);
      const verdict = verdictBadge(status, t);
      const summaryRow = el('div', {
        style: {
          display: 'flex', justifyContent: 'space-between', alignItems: 'center',
          padding: 'var(--tb-sp-3)',
          background: status.status === 'at_or_over' ? 'rgba(185,122,26,0.10)'
                    : status.status === 'under' ? 'rgba(47,111,78,0.08)'
                    : 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-2)',
          border: '1px solid var(--tb-border)',
          gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
        },
      },
        el('div', null,
          el('strong', null, displayName(f, lang) || '—'),
          el('div', { class: 'tb-card-meta' },
            t('fbar.filers.relationship.' + f.relationship) +
            (f.isMinor ? ' · ' + t('fbar.filers.isMinor') : '') +
            (!f.isUSPerson ? ' · non-U.S. (FBAR N/A)' : ''),
          ),
        ),
        el('div', { style: { textAlign: 'right' } },
          el('div', { style: { fontSize: 'var(--tb-fs-22)', fontWeight: 600 } },
            f.isUSPerson ? TB.utils.formatUSD(status.aggregate_usd) : 'N/A',
          ),
          verdict,
        ),
      );

      list.appendChild(el('div', null,
        summaryRow,
        buildFilerBreakdown(f, year),
      ));
    }
    card.appendChild(list);
  }

  // Expandable per-filer breakdown showing EVERY account where the
  // filer is listed and exactly how each one is being treated by the
  // threshold logic — so the user can verify FDs / time deposits /
  // joint accounts are being counted (or correctly excluded).
  function buildFilerBreakdown(filer, year) {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    const allAccounts = getAccounts().filter(
      a => Array.isArray(a.filer_ids) && a.filer_ids.includes(filer.id),
    );
    if (allAccounts.length === 0) {
      return el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-2)', paddingLeft: 'var(--tb-sp-3)' } },
        t('fbar.balances.breakdown.noAccounts'),
      );
    }

    const balances = getBalances();

    function row(account) {
      const bal = balances.find(
        b => b.account_id === account.id && String(b.year) === String(year),
      );
      const usd = bal && bal.max_balance_usd != null ? Number(bal.max_balance_usd) : null;
      const native = bal && bal.max_balance_native != null ? Number(bal.max_balance_native) : null;

      let included = false;
      let reason = '';
      if (!filer.isUSPerson) {
        reason = t('fbar.balances.breakdown.reason.notUsPerson');
      } else if (account.country === 'US') {
        reason = t('fbar.balances.breakdown.reason.usDomiciled');
      } else if (!isAccountActiveInYear(account, year)) {
        reason = t('fbar.balances.breakdown.reason.inactive', {
          opened: account.opened_year || '—',
          closed: account.closed_year || t('fbar.balances.breakdown.stillOpen'),
        });
      } else if (!bal || bal.max_balance_native == null) {
        reason = t('fbar.balances.breakdown.reason.noBalance');
      } else if (bal.max_balance_usd == null) {
        reason = t('fbar.balances.breakdown.reason.noFx', { currency: account.currency });
      } else {
        included = true;
      }

      const inst = account.institution_name
        || account.institution_name_jp
        || '(unnamed)';
      const typeLabel = t('fbar.accounts.account_type.' + account.account_type);
      const sigSuffix = account.signatory_only ? ' · ' + t('fbar.balances.breakdown.signatoryOnly') : '';
      const nativeStr = native != null ? formatNative(native, account.currency) : '—';
      const usdStr = usd != null ? TB.utils.formatUSD(usd) : '—';

      return el('div', {
        style: {
          display: 'flex', alignItems: 'flex-start',
          gap: 'var(--tb-sp-3)',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          fontSize: 'var(--tb-fs-12)',
          borderBottom: '1px solid var(--tb-border)',
        },
      },
        el('div', { style: { flex: '0 0 28px', fontSize: 'var(--tb-fs-14)' } },
          included ? '✓' : '⊘',
        ),
        el('div', { style: { flex: '1 1 auto', minWidth: '180px' } },
          el('strong', null, inst),
          el('div', { class: 'tb-card-meta' },
            account.country + ' · ' + account.currency + ' · ' + typeLabel + sigSuffix,
          ),
          included
            ? null
            : el('div', { style: { color: 'var(--tb-text-soft)', fontStyle: 'italic', marginTop: 'var(--tb-sp-1)' } }, reason),
        ),
        el('div', { style: { flex: '0 0 auto', textAlign: 'right', fontFamily: 'var(--tb-font-mono)', minWidth: '160px' } },
          el('div', null, nativeStr),
          el('div', {
            style: {
              fontWeight: 600,
              color: included ? 'var(--tb-success)' : 'var(--tb-text-soft)',
            },
          }, usdStr),
        ),
      );
    }

    let totalContributing = 0;
    for (const a of allAccounts) {
      const bal = balances.find(
        b => b.account_id === a.id && String(b.year) === String(year),
      );
      if (filer.isUSPerson
          && a.country !== 'US'
          && isAccountActiveInYear(a, year)
          && bal
          && bal.max_balance_usd != null) {
        totalContributing += Number(bal.max_balance_usd);
      }
    }

    return el('details', {
      style: {
        marginTop: 'var(--tb-sp-2)',
        padding: '0 var(--tb-sp-3)',
        background: 'var(--tb-bg)',
        border: '1px solid var(--tb-border)',
        borderRadius: 'var(--tb-radius-2)',
      },
    },
      el('summary', {
        style: { padding: 'var(--tb-sp-2) 0', cursor: 'pointer', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', textTransform: 'uppercase', letterSpacing: '0.06em', fontWeight: 600 },
      }, t('fbar.balances.breakdown.toggle', { count: allAccounts.length })),
      el('div', { style: { paddingBottom: 'var(--tb-sp-2)' } },
        ...allAccounts.map(row),
        el('div', {
          style: {
            display: 'flex', justifyContent: 'space-between',
            padding: 'var(--tb-sp-3) 0 var(--tb-sp-2)',
            fontWeight: 600, fontSize: 'var(--tb-fs-14)',
          },
        },
          el('span', null, t('fbar.balances.breakdown.totalContributing')),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)', color: 'var(--tb-success)' } },
            TB.utils.formatUSD(totalContributing),
          ),
        ),
      ),
    );
  }

  function verdictBadge(status, t) {
    const el = TB.utils.el;
    if (status.status === 'at_or_over') {
      return el('span', {
        class: 'tb-badge',
        style: { background: 'var(--tb-warn)', color: '#fff', borderColor: 'transparent' },
      }, t('fbar.threshold.required.headline'));
    }
    if (status.status === 'under') {
      return el('span', {
        class: 'tb-badge',
        style: { background: 'var(--tb-success)', color: '#fff', borderColor: 'transparent' },
      }, t('fbar.threshold.under.headline'));
    }
    if (status.status === 'insufficient_data') {
      return el('span', { class: 'tb-badge' }, t('fbar.threshold.insufficient.headline'));
    }
    if (status.status === 'not_us_person') {
      return el('span', { class: 'tb-badge' }, 'Not subject');
    }
    return el('span', { class: 'tb-badge' }, '—');
  }

  function prevYearOf(year) {
    return String(parseInt(year, 10) - 1);
  }

  function addYearPrompt() {
    const v = prompt(TB.i18n.t('fbar.balances.year') + ':', defaultYear());
    if (!v) return;
    const yr = String(v).trim();
    if (!/^\d{4}$/.test(yr)) return;
    activeYear = yr;
    renderActiveTab();
  }

  function copyFromPrevYear() {
    const prev = prevYearOf(activeYear);
    const accountsToCopy = getAccounts().filter(a => isAccountActiveInYear(a, prev));
    if (accountsToCopy.length === 0) {
      alert('No accounts active in ' + prev + ' to copy from.');
      return;
    }
    const balances = getBalances();
    let added = 0;
    for (const acct of accountsToCopy) {
      const exists = balances.find(b => b.account_id === acct.id && String(b.year) === String(activeYear));
      if (exists) continue;
      const fresh = blankBalance(acct.id, activeYear);
      const fx = fxRateFor(acct.currency, activeYear);
      fresh.fx_rate_used = fx.rate;
      fresh.fx_rate_source = fx.source || (acct.currency === 'USD' ? 'USD' : '');
      balances.push(fresh);
      added += 1;
    }
    if (added > 0) setBalances(balances);
    renderActiveTab();
  }

  // ====================================================================
  // FILING HELPER (Phase 1 — prep checklist)
  // ====================================================================
  //
  // A per-filer-per-year checklist that maps every value the user must
  // enter on the BSA E-Filing form (Form 114, and Form 114a for
  // third-party preparation) to a row in this view, populated from
  // the household's filer + account data already in state.
  //
  // The "Mark as filed" toggle persists to fbar.filing_history with
  // the BSA confirmation #, the filing date, the mode (self vs
  // third-party), and free-form notes. Checklist content is derived
  // from filer records — there's nothing to "save" on the checklist
  // itself; edit a filer on the Filers tab and the checklist updates.
  // ====================================================================

  function getFilingRecord(filerId, year) {
    if (!filerId || !year) return null;
    const all = getFilingHistory();
    return all.find(r => r.filer_id === filerId && String(r.year) === String(year)) || null;
  }

  function upsertFilingRecord(filerId, year, patch) {
    if (!filerId || !year) return null;
    const all = getFilingHistory();
    const i = all.findIndex(r => r.filer_id === filerId && String(r.year) === String(year));
    if (i >= 0) {
      all[i] = Object.assign({}, all[i], patch);
    } else {
      all.push(Object.assign({
        id: TB.utils.uuid(),
        filer_id: filerId,
        year: String(year),
        filed_on: '',
        bsa_id: '',
        method: '',
        notes: '',
        mode: 'self',
        preparer_filer_id: '',
      }, patch));
    }
    setFilingHistory(all);
    return getFilingRecord(filerId, year);
  }

  function renderFiling(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const filers = getFilers();
    const lang = TB.i18n.getLang();

    if (filers.length === 0) {
      tabHost.appendChild(emptyCard(t('fbar.filing.empty.noFilers'), () => {
        activeTab = 'filers'; render(host);
      }, t('fbar.filers.add')));
      return;
    }

    if (!filingState.filerId) filingState.filerId = filers[0].id;
    if (!filingState.year) filingState.year = defaultYear();

    const yrs = knownYears();
    if (!yrs.includes(filingState.year)) yrs.unshift(filingState.year);

    // Header — filer + year selectors.
    const headerCard = el('div', { class: 'tb-card', 'data-track': 'core' },
      el('h2', { style: { margin: 0 } }, t('fbar.filing.title')),
      el('p', { class: 'tb-card-meta' }, t('fbar.filing.intro')),
      grid2col(
        field(t('fbar.filing.select.filer'), el('select', {
          class: 'tb-select',
          onchange: (e) => { filingState.filerId = e.target.value; renderActiveTab(); },
        },
          ...filers.map(f => el('option', {
            value: f.id, selected: filingState.filerId === f.id,
          }, displayName(f, lang) || '—')),
        )),
        field(t('fbar.filing.select.year'), el('select', {
          class: 'tb-select',
          onchange: (e) => { filingState.year = e.target.value; renderActiveTab(); },
        },
          ...yrs.map(y => el('option', { value: y, selected: filingState.year === y }, y)),
        )),
      ),
    );
    tabHost.appendChild(headerCard);

    const filer = findFiler(filingState.filerId);
    if (!filer) return;
    const year = filingState.year;

    // Threshold gate — show a heads-up when FBAR isn't required, but
    // still let the user view the checklist (some filers prepare
    // anyway for record-keeping). For a not-US-person filer, hide
    // the checklist entirely since FBAR doesn't apply.
    if (filer.isUSPerson === false) {
      tabHost.appendChild(emptyCard(t('fbar.filing.empty.notUSPerson', {
        name: displayName(filer, lang) || '—',
      })));
      return;
    }

    const status = thresholdStatus(filer.id, year);
    if (status.status === 'under') {
      tabHost.appendChild(el('div', {
        class: 'tb-disclaimer-inline',
        style: { borderLeftColor: 'var(--tb-warn)' },
      }, t('fbar.filing.notice.underThreshold', {
        name: displayName(filer, lang) || '—', year,
      })));
    } else if (status.status === 'unknown' || status.status === 'missing_data') {
      tabHost.appendChild(el('div', {
        class: 'tb-disclaimer-inline',
        style: { borderLeftColor: 'var(--tb-warn)' },
      }, t('fbar.filing.notice.unknownThreshold', { year })));
    }

    // 1. Filed-status card (top, so the user sees the most important
    //    state first).
    tabHost.appendChild(buildFilingStatusCard(filer, year));

    // 2. Filing mode card (drives which checklist sections show).
    tabHost.appendChild(buildFilingModeCard(filer, year));

    const record = getFilingRecord(filer.id, year);
    const mode = (record && record.mode) || 'self';
    const preparer = mode !== 'self' && record && record.preparer_filer_id
      ? findFiler(record.preparer_filer_id)
      : null;

    // 3. Critical Fixes — wording varies by mode.
    tabHost.appendChild(buildFilingCriticalFixesCard(filer, mode, preparer));

    // 4. Filer Identity (Part I) — auto-populated from the filer
    //    record. Always shown.
    tabHost.appendChild(buildFilingPartIIdentityCard(filer));

    // 5. Account Information (Parts II / III / IV) — the bulk of the
    //    actual form. Walks through every reportable account for
    //    this filer + year, grouped by ownership type.
    tabHost.appendChild(buildFilingAccountInformationCard(filer, year));

    // 6. Preparer Identity (Part V) — only when filing mode is
    //    third-party.
    if (mode !== 'self') {
      tabHost.appendChild(buildFilingPartVPreparerCard(filer, mode, preparer));
      // 7. Form 114a (preparer authorization) — only relevant when a
      //    third party is signing on the filer's behalf. The form is
      //    retained by the preparer for 5 years and is NOT submitted
      //    to FinCEN.
      tabHost.appendChild(buildFiling114aCard(filer, year, mode, preparer));
    }

    // 7. Common Mistakes — static checklist of failure modes.
    tabHost.appendChild(buildFilingCommonMistakesCard());

    // 8. Late Filing Explanation generator (for "Other" reason on
    //    the BSA E-Filing portal — only relevant when filing late).
    tabHost.appendChild(buildFilingLateExplanationCard(filer, year));

    // 9. Treasury rates reference table — quick lookup so the user
    //    doesn't have to flip to fiscal.treasury.gov mid-filing.
    tabHost.appendChild(buildFilingRatesReferenceCard());

    // 10. AI Advisor — chat-style Q&A backed by Claude. Quick-prompt
    //     buttons for the most common questions; free-text below.
    tabHost.appendChild(buildFilingAiAdvisorCard());
  }

  // --------------------------------------------------------------------
  // Filed-status card — the "I have filed this" toggle.
  // --------------------------------------------------------------------

  function buildFilingStatusCard(filer, year) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const record = getFilingRecord(filer.id, year);
    const isFiled = !!(record && record.filed_on);

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });

    const headerRow = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', flexWrap: 'wrap', gap: 'var(--tb-sp-3)' },
    },
      el('h3', { style: { margin: 0 } }, t('fbar.filing.status.title')),
      isFiled
        ? el('span', {
            class: 'tb-pill',
            style: { background: 'var(--tb-ok)', color: 'white', padding: '4px 12px', borderRadius: '999px', fontSize: 'var(--tb-fs-13)', fontWeight: '600' },
          }, t('fbar.filing.status.filed', { date: record.filed_on }))
        : el('span', {
            class: 'tb-pill',
            style: { background: 'var(--tb-bg)', color: 'var(--tb-text-muted)', padding: '4px 12px', borderRadius: '999px', fontSize: 'var(--tb-fs-13)', border: '1px solid var(--tb-border)' },
          }, t('fbar.filing.status.notFiled')),
    );
    card.appendChild(headerRow);

    const toggle = el('label', {
      style: { display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-3)', cursor: 'pointer' },
    },
      el('input', {
        type: 'checkbox',
        checked: isFiled,
        onchange: (e) => {
          if (e.target.checked) {
            // Pre-fill filed_on with today if blank.
            const today = new Date();
            const iso = today.getUTCFullYear() + '-'
              + String(today.getUTCMonth() + 1).padStart(2, '0') + '-'
              + String(today.getUTCDate()).padStart(2, '0');
            upsertFilingRecord(filer.id, year, {
              filed_on: (record && record.filed_on) || iso,
            });
          } else {
            upsertFilingRecord(filer.id, year, { filed_on: '', bsa_id: '' });
          }
          renderActiveTab();
        },
      }),
      el('span', null, t('fbar.filing.status.toggleLabel', {
        name: displayName(filer, lang) || '—', year,
      })),
    );
    card.appendChild(toggle);

    if (isFiled) {
      const detailWrap = el('div', { style: { marginTop: 'var(--tb-sp-3)' } },
        grid2col(
          field(t('fbar.filing.status.dateLabel'), el('input', {
            type: 'date',
            class: 'tb-input',
            value: record.filed_on || '',
            onchange: (e) => {
              upsertFilingRecord(filer.id, year, { filed_on: e.target.value });
              renderActiveTab();
            },
          })),
          field(t('fbar.filing.status.bsaIdLabel'), el('input', {
            type: 'text',
            class: 'tb-input',
            value: record.bsa_id || '',
            placeholder: 'e.g., 31000078901234',
            onchange: (e) => {
              upsertFilingRecord(filer.id, year, { bsa_id: e.target.value.trim() });
            },
          })),
        ),
        field(t('fbar.filing.status.notesLabel'), el('textarea', {
          class: 'tb-input',
          rows: 2,
          style: { resize: 'vertical', minHeight: '40px' },
          placeholder: t('fbar.filing.status.notesPlaceholder'),
          onchange: (e) => {
            upsertFilingRecord(filer.id, year, { notes: e.target.value });
          },
        }, record.notes || '')),
      );
      card.appendChild(detailWrap);
    }

    return card;
  }

  // --------------------------------------------------------------------
  // Filing-mode card — self / household-preparer / external-preparer.
  // --------------------------------------------------------------------

  function buildFilingModeCard(filer, year) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const record = getFilingRecord(filer.id, year);
    const mode = (record && record.mode) || 'self';
    const preparerId = (record && record.preparer_filer_id) || '';

    // Other adult filers in the household — candidates for preparer
    // when mode = household_preparer.
    const otherFilers = getFilers().filter(f => f.id !== filer.id && !f.isMinor);

    const card = el('div', { class: 'tb-card', 'data-track': 'core' },
      el('h3', { style: { margin: 0 } }, t('fbar.filing.mode.title')),
      el('p', { class: 'tb-card-meta' }, t('fbar.filing.mode.help')),
    );

    const radioRow = (value, label) => el('label', {
      style: { display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-2)', cursor: 'pointer' },
    },
      el('input', {
        type: 'radio',
        name: 'tb-fbar-filing-mode',
        value,
        checked: mode === value,
        onchange: (e) => {
          if (!e.target.checked) return;
          const patch = { mode: value };
          if (value === 'self') patch.preparer_filer_id = '';
          if (value === 'household_preparer' && !preparerId && otherFilers.length > 0) {
            patch.preparer_filer_id = otherFilers[0].id;
          }
          if (value === 'external_preparer') patch.preparer_filer_id = '';
          upsertFilingRecord(filer.id, year, patch);
          renderActiveTab();
        },
      }),
      el('span', null, label),
    );

    card.appendChild(radioRow('self', t('fbar.filing.mode.self')));
    card.appendChild(radioRow('household_preparer', t('fbar.filing.mode.household')));
    if (mode === 'household_preparer') {
      if (otherFilers.length === 0) {
        card.appendChild(el('p', {
          class: 'tb-disclaimer-inline',
          style: { borderLeftColor: 'var(--tb-warn)', marginLeft: '24px' },
        }, t('fbar.filing.mode.household.noCandidates')));
      } else {
        const sel = el('select', {
          class: 'tb-select',
          style: { marginLeft: '24px', maxWidth: '320px' },
          onchange: (e) => {
            upsertFilingRecord(filer.id, year, { preparer_filer_id: e.target.value });
            renderActiveTab();
          },
        },
          el('option', { value: '' }, '—'),
          ...otherFilers.map(f => el('option', {
            value: f.id, selected: preparerId === f.id,
          }, displayName(f, lang) || '—')),
        );
        card.appendChild(field(t('fbar.filing.mode.household.preparerLabel'), sel,
          t('fbar.filing.mode.household.preparerHelp')));
      }
    }
    card.appendChild(radioRow('external_preparer', t('fbar.filing.mode.external')));
    if (mode === 'external_preparer') {
      card.appendChild(el('p', {
        class: 'tb-disclaimer-inline',
        style: { borderLeftColor: 'var(--tb-info, var(--tb-accent))', marginLeft: '24px' },
      }, t('fbar.filing.mode.external.note')));
    }

    if (mode !== 'self') {
      card.appendChild(el('p', {
        class: 'tb-card-meta',
        style: { marginTop: 'var(--tb-sp-3)' },
      }, t('fbar.filing.mode.114a.reminder')));
    }

    return card;
  }

  // --------------------------------------------------------------------
  // Critical Fixes card — items the user MUST get right or the BSA
  // E-Filing form will reject submission.
  // --------------------------------------------------------------------

  function buildFilingCriticalFixesCard(filer, mode, preparer) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const isPreparer = mode !== 'self';
    const preparerName = preparer ? (displayName(preparer, lang) || '—') : '—';

    const rows = [];

    // Item 50 — Self-Employed checkbox (preparer side).
    rows.push({
      item: '50',
      field: t('fbar.filing.critical.item.50'),
      action: isPreparer
        ? t('fbar.filing.critical.item.50.action.preparer')
        : t('fbar.filing.critical.item.50.action.self'),
    });
    // Item 44a — Third-Party Preparer checkbox.
    rows.push({
      item: '44a',
      field: t('fbar.filing.critical.item.44a'),
      action: isPreparer
        ? t('fbar.filing.critical.item.44a.action.preparer', {
            preparer: preparerName,
            filer: displayName(filer, lang) || '—',
          })
        : t('fbar.filing.critical.item.44a.action.self'),
    });
    // Item 45 — Filer Title — always blank.
    rows.push({
      item: '45',
      field: t('fbar.filing.critical.item.45'),
      action: t('fbar.filing.critical.item.45.action'),
    });
    // Item 53 — Firm Name — blank when 50 checked.
    if (isPreparer) {
      rows.push({
        item: '53',
        field: t('fbar.filing.critical.item.53'),
        action: t('fbar.filing.critical.item.53.action'),
      });
      // Item 54 — Firm EIN — blank when 50 checked.
      rows.push({
        item: '54',
        field: t('fbar.filing.critical.item.54'),
        action: t('fbar.filing.critical.item.54.action'),
      });
      // Item 54a — TIN Type — SSN.
      rows.push({
        item: '54a',
        field: t('fbar.filing.critical.item.54a'),
        action: t('fbar.filing.critical.item.54a.action', { name: preparerName }),
      });
    }

    const card = el('div', { class: 'tb-card', 'data-track': 'core', style: { borderLeft: '4px solid var(--tb-warn)' } },
      el('h3', { style: { margin: 0 } }, t('fbar.filing.critical.title')),
      el('p', { class: 'tb-card-meta' }, t('fbar.filing.critical.intro')),
      buildChecklistTable(rows),
    );
    return card;
  }

  // --------------------------------------------------------------------
  // Filer Identity (Part I) card — values come from the filer record.
  // --------------------------------------------------------------------

  function buildFilingPartIIdentityCard(filer) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const fullName = filer.name_en || filer.name_jp || '—';
    const fullNameJp = filer.name_jp ? ' / ' + filer.name_jp : '';
    const ssn = filer.ssn_last4 ? '•••-••-' + filer.ssn_last4 : t('fbar.filing.partI.value.ssnMissing');
    const addr = filer.filing_address || t('fbar.filing.partI.value.addressMissing');
    const dob = filer.dob || t('fbar.filing.partI.value.dobMissing');

    const rows = [
      {
        item: '1-3',
        field: t('fbar.filing.partI.item.name'),
        action: fullName + fullNameJp,
        warn: !filer.name_en && !filer.name_jp,
      },
      {
        item: '4',
        field: t('fbar.filing.partI.item.tin'),
        action: ssn,
        warn: !filer.ssn_last4,
      },
      {
        item: '5-8',
        field: t('fbar.filing.partI.item.address'),
        action: addr,
        warn: !filer.filing_address,
      },
      {
        item: '2',
        field: t('fbar.filing.partI.item.type'),
        action: t('fbar.filing.partI.value.individual'),
      },
      {
        item: '—',
        field: t('fbar.filing.partI.item.dob'),
        action: dob,
        warn: !filer.dob,
      },
      {
        item: '45',
        field: t('fbar.filing.partI.item.title'),
        action: t('fbar.filing.partI.value.titleBlank'),
      },
    ];

    const subtitle = t('fbar.filing.partI.subtitle', {
      name: displayName(filer, lang) || '—',
    });

    const card = el('div', { class: 'tb-card', 'data-track': 'core', style: { borderLeft: '4px solid var(--tb-accent, #4a90e2)' } },
      el('h3', { style: { margin: 0 } }, t('fbar.filing.partI.title')),
      el('p', { class: 'tb-card-meta' }, subtitle),
      buildChecklistTable(rows),
    );

    if (filer.isMinor) {
      card.appendChild(el('p', {
        class: 'tb-disclaimer-inline',
        style: { borderLeftColor: 'var(--tb-info, var(--tb-accent))' },
      }, t('fbar.filing.partI.minorNote')));
    }

    return card;
  }

  // --------------------------------------------------------------------
  // Account Information (Parts II / III / IV) card — the bulk of the
  // actual FinCEN 114 form. Walks through every reportable account
  // for this filer + year, grouped by ownership type:
  //
  //   Part II  — Separately owned (filer is the sole interest holder)
  //   Part III — Jointly owned (account has 2+ filers in the household)
  //   Part IV  — Signature authority only (signatory_only = true)
  //
  // Each account block shows the field values that go onto the form,
  // pulled directly from the account record + the year's balance row.
  // Missing data is flagged so the user can fix it before filing.
  // --------------------------------------------------------------------

  function buildFilingAccountInformationCard(filer, year) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const allAccounts = getAccounts();
    const balances = getBalances();

    // All accounts where this filer has any interest, active in this year.
    const filerAccounts = allAccounts.filter(a =>
      (a.filer_ids || []).indexOf(filer.id) !== -1
      && isAccountActiveInYear(a, year)
    );

    const card = el('div', { class: 'tb-card', 'data-track': 'core', style: { borderLeft: '4px solid var(--tb-accent, #4a90e2)' } });
    card.appendChild(el('h3', { style: { margin: 0 } }, t('fbar.filing.accounts.title')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('fbar.filing.accounts.intro')));

    // Pre-flight reminder: re-scan documents before filling in the form.
    // Most field values come from the most recent extraction; if balance
    // data is stale, the form will be wrong.
    const reminderRow = el('div', {
      class: 'tb-disclaimer-inline',
      style: { borderLeftColor: 'var(--tb-warn)', display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)', flexWrap: 'wrap' },
    },
      el('span', null, t('fbar.filing.accounts.rescanReminder')),
      el('button', {
        class: 'tb-btn tb-btn--ghost',
        onclick: () => { activeTab = 'accounts'; render(host); },
      }, t('fbar.filing.accounts.gotoAccounts')),
    );
    card.appendChild(reminderRow);

    if (filerAccounts.length === 0) {
      card.appendChild(el('p', { class: 'tb-wizard-help', style: { marginTop: 'var(--tb-sp-3)' } },
        t('fbar.filing.accounts.empty', {
          name: displayName(filer, lang) || '—', year,
        })));
      return card;
    }

    // Group by FBAR Part. Note: a "joint" account here means
    // multiple filers in the household share interest. Joint with a
    // non-U.S. spouse who is not a household filer would appear in
    // Part II under this model — the user can add the spouse as a
    // non-US-person filer if they want it grouped under Part III.
    const partII = [];   // separately owned
    const partIII = [];  // jointly owned (2+ household filers)
    const partIV = [];   // signature authority only
    for (const a of filerAccounts) {
      if (a.signatory_only) partIV.push(a);
      else if ((a.filer_ids || []).length >= 2) partIII.push(a);
      else partII.push(a);
    }

    // Summary row at the top of the card showing counts per part.
    const summary = el('div', {
      style: { display: 'flex', gap: 'var(--tb-sp-3)', marginTop: 'var(--tb-sp-3)', flexWrap: 'wrap' },
    },
      buildPartSummaryPill(t('fbar.filing.accounts.part2'), partII.length),
      buildPartSummaryPill(t('fbar.filing.accounts.part3'), partIII.length),
      buildPartSummaryPill(t('fbar.filing.accounts.part4'), partIV.length),
    );
    card.appendChild(summary);

    // Render each part in sequence. Skip empty parts.
    if (partII.length > 0) {
      card.appendChild(buildAccountPartSection('II', partII, filer, year, balances, allAccounts));
    }
    if (partIII.length > 0) {
      card.appendChild(buildAccountPartSection('III', partIII, filer, year, balances, allAccounts));
    }
    if (partIV.length > 0) {
      card.appendChild(buildAccountPartSection('IV', partIV, filer, year, balances, allAccounts));
    }

    // Surface accounts that are active this year but have no balance
    // entry — those are the most common "I forgot to update" failure
    // mode and the form will be wrong if submitted as-is.
    const missingBalance = filerAccounts.filter(a => {
      const b = balances.find(bb => bb.account_id === a.id && String(bb.year) === String(year));
      return !b || b.max_balance_native == null;
    });
    if (missingBalance.length > 0) {
      card.appendChild(el('div', {
        class: 'tb-disclaimer-inline',
        style: { borderLeftColor: 'var(--tb-warn)', marginTop: 'var(--tb-sp-3)' },
      },
        el('strong', null, t('fbar.filing.accounts.missingHeader', { count: missingBalance.length, year })),
        el('ul', { style: { margin: 'var(--tb-sp-2) 0 0', paddingLeft: 'var(--tb-sp-4)' } },
          ...missingBalance.map(a => el('li', null,
            (a.institution_name || a.institution_name_jp || '—')
              + ' · ' + masked(a.account_number_full)
              + (a.currency ? ' · ' + a.currency : ''),
          )),
        ),
      ));
    }

    return card;
  }

  function buildPartSummaryPill(label, count) {
    const el = TB.utils.el;
    return el('div', {
      style: {
        flex: '1 1 0',
        minWidth: '120px',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)',
        border: '1px solid var(--tb-border)',
        borderRadius: 'var(--tb-radius-2)',
        textAlign: 'center',
      },
    },
      el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginBottom: '2px' } }, label),
      el('div', { style: { fontSize: '20px', fontWeight: '700', fontFamily: 'var(--tb-font-mono)' } }, String(count)),
    );
  }

  function buildAccountPartSection(partRoman, accounts, filer, year, balances, allAccounts) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const headerKey = 'fbar.filing.accounts.part' + partRoman + '.header';
    const subtitleKey = 'fbar.filing.accounts.part' + partRoman + '.subtitle';

    const wrap = el('div', { style: { marginTop: 'var(--tb-sp-4)' } });
    wrap.appendChild(el('h4', {
      style: { margin: '0 0 4px', borderBottom: '1px solid var(--tb-border)', paddingBottom: 'var(--tb-sp-2)' },
    }, t(headerKey)));
    wrap.appendChild(el('p', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-3)' } }, t(subtitleKey)));

    accounts.forEach((acct, i) => {
      wrap.appendChild(buildAccountFbarItemBlock(acct, year, filer, partRoman, i + 1, accounts.length, balances, allAccounts));
    });

    return wrap;
  }

  function buildAccountFbarItemBlock(acct, year, filer, partRoman, idx, total, balances, allAccounts) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const bal = balances.find(b => b.account_id === acct.id && String(b.year) === String(year));
    const native = bal && bal.max_balance_native != null ? bal.max_balance_native : null;
    const usd = bal && bal.max_balance_usd != null ? bal.max_balance_usd : null;
    const fxRate = bal && bal.fx_rate_used != null ? bal.fx_rate_used : null;
    const fxSource = bal ? (bal.fx_rate_source || '') : '';
    const maxDate = bal ? (bal.max_balance_date || '') : '';

    const acctNumberFull = acct.account_number_full || '';
    const institutionName = acct.institution_name || acct.institution_name_jp || '';
    const institutionAddr = acct.institution_address || acct.institution_address_jp || '';

    // Type label.
    const typeLabel = acct.account_type
      ? t('fbar.accounts.account_type.' + acct.account_type)
      : '—';

    // Joint owners (Part III) — list co-filers besides the active one.
    let jointOwnerLines = null;
    if (partRoman === 'III') {
      const others = (acct.filer_ids || [])
        .filter(id => id !== filer.id)
        .map(id => findFiler(id))
        .filter(Boolean);
      jointOwnerLines = others.length > 0
        ? others.map(o => (displayName(o, lang) || '—')
            + (o.ssn_last4 ? ' · TIN •••-••-' + o.ssn_last4 : ''))
        : [t('fbar.filing.accounts.joint.unknown')];
    }

    // Build the rows.
    const rows = [];

    // Max value
    rows.push({
      field: t('fbar.filing.accounts.field.maxValue'),
      value: usd != null
        ? TB.utils.formatUSD(usd) + ' · ' + (native != null ? new Intl.NumberFormat(lang === 'ja' ? 'ja-JP' : 'en-US').format(native) + ' ' + (acct.currency || '') : '—')
        : t('fbar.filing.accounts.value.missing'),
      warn: usd == null,
      help: t('fbar.filing.accounts.field.maxValue.help'),
    });

    rows.push({
      field: t('fbar.filing.accounts.field.maxDate'),
      value: maxDate || t('fbar.filing.accounts.value.missing'),
      warn: !maxDate,
      help: t('fbar.filing.accounts.field.maxDate.help'),
    });

    rows.push({
      field: t('fbar.filing.accounts.field.fxRate'),
      value: fxRate != null
        ? fxRate + (fxSource ? ' · ' + fxSource : '')
        : t('fbar.filing.accounts.value.fxMissing'),
      warn: fxRate == null,
      help: t('fbar.filing.accounts.field.fxRate.help'),
    });

    rows.push({
      field: t('fbar.filing.accounts.field.acctType'),
      value: typeLabel + (acct.account_type === 'other' ? ' · ' + t('fbar.filing.accounts.field.acctType.otherHelp') : ''),
    });

    rows.push({
      field: t('fbar.filing.accounts.field.institutionName'),
      value: institutionName || t('fbar.filing.accounts.value.missing'),
      warn: !institutionName,
    });

    rows.push({
      field: t('fbar.filing.accounts.field.acctNumber'),
      value: acctNumberFull || t('fbar.filing.accounts.value.missing'),
      warn: !acctNumberFull,
      mono: true,
    });

    rows.push({
      field: t('fbar.filing.accounts.field.address'),
      value: institutionAddr || t('fbar.filing.accounts.value.missing'),
      warn: !institutionAddr,
    });

    rows.push({
      field: t('fbar.filing.accounts.field.country'),
      value: acct.country || t('fbar.filing.accounts.value.missing'),
      warn: !acct.country,
    });

    rows.push({
      field: t('fbar.filing.accounts.field.currency'),
      value: acct.currency || t('fbar.filing.accounts.value.missing'),
      warn: !acct.currency,
    });

    if (partRoman === 'III' && jointOwnerLines) {
      rows.push({
        field: t('fbar.filing.accounts.field.jointOwners'),
        value: jointOwnerLines.join(' · '),
        help: t('fbar.filing.accounts.field.jointOwners.help'),
      });
      rows.push({
        field: t('fbar.filing.accounts.field.jointCount'),
        value: String((acct.filer_ids || []).length),
      });
    }

    if (partRoman === 'IV') {
      rows.push({
        field: t('fbar.filing.accounts.field.signatoryNote'),
        value: t('fbar.filing.accounts.field.signatoryNote.value'),
        help: t('fbar.filing.accounts.field.signatoryNote.help'),
      });
    }

    // Build the block.
    const block = el('div', {
      class: 'tb-card',
      style: {
        background: 'var(--tb-bg)',
        marginBottom: 'var(--tb-sp-3)',
        padding: 'var(--tb-sp-3) var(--tb-sp-4)',
      },
    });

    const blockHeader = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-2)' },
    },
      el('strong', null, 'Part ' + partRoman + ' · ' + t('fbar.filing.accounts.accountIndex', { idx, total })),
      el('span', { class: 'tb-card-meta', style: { fontSize: 'var(--tb-fs-13)', margin: 0 } },
        institutionName + (acctNumberFull ? ' · ····' + acctNumberFull.slice(-4) : '')),
    );
    block.appendChild(blockHeader);

    // Rows table.
    const tbl = el('table', { style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-14)' } });
    const tbody = el('tbody');
    for (const r of rows) {
      const valStyle = Object.assign({}, tdStyle(),
        r.mono ? { fontFamily: 'var(--tb-font-mono)' } : {},
        r.warn ? { color: 'var(--tb-warn)', fontStyle: 'italic' } : {});
      const tr = el('tr', null,
        el('td', { style: Object.assign({}, tdStyle(), { width: '180px', fontWeight: '600', color: 'var(--tb-text-soft)' }) }, r.field),
        el('td', { style: valStyle },
          r.value,
          r.help ? el('div', {
            style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', fontStyle: 'normal', marginTop: '2px' },
          }, r.help) : null,
        ),
      );
      tbody.appendChild(tr);
    }
    tbl.appendChild(tbody);
    block.appendChild(tbl);

    return block;
  }

  // --------------------------------------------------------------------
  // Preparer Identity (Part V) card — only when mode is third-party.
  // --------------------------------------------------------------------

  function buildFilingPartVPreparerCard(filer, mode, preparer) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const card = el('div', { class: 'tb-card', 'data-track': 'core', style: { borderLeft: '4px solid var(--tb-accent, #4a90e2)' } });
    card.appendChild(el('h3', { style: { margin: 0 } }, t('fbar.filing.partV.title')));

    if (mode === 'external_preparer') {
      card.appendChild(el('p', {
        class: 'tb-card-meta',
      }, t('fbar.filing.partV.external.subtitle')));
      card.appendChild(el('p', {
        class: 'tb-disclaimer-inline',
        style: { borderLeftColor: 'var(--tb-info, var(--tb-accent))' },
      }, t('fbar.filing.partV.external.note')));
      return card;
    }

    if (!preparer) {
      card.appendChild(el('p', {
        class: 'tb-disclaimer-inline',
        style: { borderLeftColor: 'var(--tb-warn)' },
      }, t('fbar.filing.partV.noPreparer')));
      return card;
    }

    card.appendChild(el('p', { class: 'tb-card-meta' }, t('fbar.filing.partV.subtitle', {
      name: displayName(preparer, lang) || '—',
    })));

    // Parse the preparer's address into city / state / zip / country
    // best-effort. The household keeps a single filing_address string;
    // we surface it whole and call out that the user may need to
    // split it into the form's discrete address fields.
    const prepAddr = preparer.filing_address || t('fbar.filing.partV.value.addressMissing');
    const prepName = preparer.name_en || preparer.name_jp || '—';
    const prepLast = (preparer.name_en || '').split(/\s+/).slice(-1)[0] || prepName;
    const prepFirst = (preparer.name_en || '').split(/\s+/).slice(0, -1).join(' ') || '—';
    const prepSsn = preparer.ssn_last4 ? '•••-••-' + preparer.ssn_last4 : t('fbar.filing.partI.value.ssnMissing');

    const rows = [
      {
        item: '44a',
        field: t('fbar.filing.partV.item.44a'),
        action: t('fbar.filing.partV.value.checked'),
      },
      {
        item: '47',
        field: t('fbar.filing.partV.item.47'),
        action: prepLast,
        warn: !preparer.name_en,
      },
      {
        item: '48',
        field: t('fbar.filing.partV.item.48'),
        action: prepFirst,
        warn: !preparer.name_en,
      },
      {
        item: '49',
        field: t('fbar.filing.partV.item.49'),
        action: t('fbar.filing.partV.item.49.value'),
      },
      {
        item: '50',
        field: t('fbar.filing.partV.item.50'),
        action: t('fbar.filing.partV.value.checked'),
      },
      {
        item: '51',
        field: t('fbar.filing.partV.item.51'),
        action: prepSsn + ' ' + t('fbar.filing.partV.item.51.suffix', {
          name: displayName(preparer, lang) || '—',
        }),
        warn: !preparer.ssn_last4,
      },
      {
        item: '54a',
        field: t('fbar.filing.partV.item.54a'),
        action: t('fbar.filing.partV.item.54a.value'),
      },
      {
        item: '53',
        field: t('fbar.filing.partV.item.53'),
        action: t('fbar.filing.partV.value.blank'),
      },
      {
        item: '54',
        field: t('fbar.filing.partV.item.54'),
        action: t('fbar.filing.partV.value.blank'),
      },
      {
        item: '55-59',
        field: t('fbar.filing.partV.item.address'),
        action: prepAddr,
        warn: !preparer.filing_address,
      },
      {
        item: '—',
        field: t('fbar.filing.partV.item.contact'),
        action: t('fbar.filing.partV.item.contact.value'),
      },
    ];

    card.appendChild(buildChecklistTable(rows));
    card.appendChild(el('p', {
      class: 'tb-card-meta',
      style: { marginTop: 'var(--tb-sp-3)' },
    }, t('fbar.filing.partV.114a.reminder')));
    return card;
  }

  // --------------------------------------------------------------------
  // Common Mistakes card — static checklist of failure modes.
  // --------------------------------------------------------------------

  function buildFilingCommonMistakesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    const items = [
      t('fbar.filing.mistakes.item.filerName'),
      t('fbar.filing.mistakes.item.title'),
      t('fbar.filing.mistakes.item.44a'),
      t('fbar.filing.mistakes.item.50'),
      t('fbar.filing.mistakes.item.114peryear'),
      t('fbar.filing.mistakes.item.yearEnd'),
      t('fbar.filing.mistakes.item.fxRate'),
      t('fbar.filing.mistakes.item.jointMarking'),
      t('fbar.filing.mistakes.item.under10k'),
    ];

    const list = el('ul', { style: { margin: '0', paddingLeft: 'var(--tb-sp-4)' } },
      ...items.map(text => el('li', {
        style: { marginBottom: 'var(--tb-sp-2)', lineHeight: '1.5' },
      },
        el('span', { style: { color: 'var(--tb-warn)', marginRight: 'var(--tb-sp-2)', fontWeight: '700' } }, '✗'),
        text,
      )),
    );

    return el('div', { class: 'tb-card', 'data-track': 'core', style: { borderLeft: '4px solid var(--tb-warn)' } },
      el('h3', { style: { margin: 0 } }, t('fbar.filing.mistakes.title')),
      el('p', { class: 'tb-card-meta' }, t('fbar.filing.mistakes.intro')),
      list,
    );
  }

  // --------------------------------------------------------------------
  // Late Filing Explanation card — parametric 750-char narrative for
  // the FinCEN Form 114 "Other" late-filing reason. Auto-detects the
  // right template from the filer record but the user can override.
  // The narrative stays in English (BSA E-Filing is English-only).
  // --------------------------------------------------------------------

  function buildFilingLateExplanationCard(filer, year) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const record = getFilingRecord(filer.id, year);

    // Resolve the active category: explicit choice on the record, or
    // auto-detected from the filer's role.
    const explicitCategory = record && record.late_filing_category;
    const activeCategory = explicitCategory && LATE_FILING_CATEGORIES.indexOf(explicitCategory) !== -1
      ? explicitCategory
      : autoDetectLateFilingCategory(filer);

    const template = LATE_FILING_TEMPLATES[activeCategory] || '';
    const persistedText = (record && record.late_filing_explanation) || '';
    const text = persistedText || template;
    const isUserEdited = persistedText && persistedText !== template;

    const card = el('div', { class: 'tb-card', 'data-track': 'core', style: { borderLeft: '4px solid var(--tb-accent, #4a90e2)' } });
    card.appendChild(el('h3', { style: { margin: 0 } }, t('fbar.filing.late.title')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('fbar.filing.late.intro')));

    // Category dropdown — auto-detected on first view, user-overridable.
    const catSelect = el('select', {
      class: 'tb-select',
      onchange: (e) => {
        const newCat = e.target.value;
        // Switching category overwrites any user edits with the new
        // template, so the user sees the new narrative as the start
        // point. They can edit again. We persist the new category and
        // clear the explanation so the renderer falls back to the
        // template (and so re-rendering after this change is idempotent).
        upsertFilingRecord(filer.id, year, {
          late_filing_category: newCat,
          late_filing_explanation: '',
        });
        renderActiveTab();
      },
    },
      ...LATE_FILING_CATEGORIES.map(c => el('option', {
        value: c, selected: c === activeCategory,
      }, t('fbar.filing.late.category.' + c))),
    );

    if (!explicitCategory) {
      card.appendChild(field(t('fbar.filing.late.categoryLabel'), catSelect,
        t('fbar.filing.late.autoDetected', { category: t('fbar.filing.late.category.' + activeCategory) })));
    } else {
      card.appendChild(field(t('fbar.filing.late.categoryLabel'), catSelect));
    }

    // Live editable textarea. Idempotent persistence: writes on input
    // (no debounce — TB.state writes are cheap because state is held
    // in memory and serialized on a separate persistence pass).
    const textarea = el('textarea', {
      class: 'tb-input',
      rows: 8,
      style: { width: '100%', resize: 'vertical', minHeight: '160px', fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-13)', lineHeight: '1.5' },
    });
    textarea.value = text;

    const counter = el('span', {
      style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-13)' },
    });
    function updateCounter(val) {
      const n = (val || '').length;
      counter.textContent = n + ' / ' + LATE_FILING_EXPLANATION_LIMIT;
      counter.style.color = n > LATE_FILING_EXPLANATION_LIMIT
        ? 'var(--tb-error, var(--tb-warn))'
        : (n > LATE_FILING_EXPLANATION_LIMIT - 50 ? 'var(--tb-warn)' : 'var(--tb-text-muted)');
      counter.style.fontWeight = n > LATE_FILING_EXPLANATION_LIMIT ? '700' : '400';
    }
    updateCounter(text);

    textarea.oninput = (e) => {
      const v = e.target.value;
      updateCounter(v);
      // Persist immediately. If the user has typed back to exactly
      // the template, we clear the persisted text so the auto-template
      // path resumes — keeps state minimal.
      upsertFilingRecord(filer.id, year, {
        late_filing_explanation: v === LATE_FILING_TEMPLATES[activeCategory] ? '' : v,
        late_filing_category: activeCategory,
      });
    };

    card.appendChild(textarea);

    // Actions row: char counter + Copy + (optional) Reset.
    const copyBtn = el('button', {
      class: 'tb-btn tb-btn--secondary',
      onclick: async () => {
        try {
          await navigator.clipboard.writeText(textarea.value);
          copyBtn.textContent = '✓ ' + t('fbar.filing.late.copied');
          setTimeout(() => { copyBtn.textContent = t('fbar.filing.late.copy'); }, 1500);
        } catch (err) {
          // Fallback: select the textarea so the user can ctrl+C.
          textarea.select();
        }
      },
    }, t('fbar.filing.late.copy'));

    const actionsRow = el('div', {
      style: {
        display: 'flex',
        justifyContent: 'space-between',
        alignItems: 'center',
        marginTop: 'var(--tb-sp-2)',
        gap: 'var(--tb-sp-3)',
        flexWrap: 'wrap',
      },
    },
      counter,
      el('div', { class: 'tb-btn-row', style: { margin: 0 } },
        isUserEdited
          ? el('button', {
              class: 'tb-btn tb-btn--ghost',
              onclick: () => {
                upsertFilingRecord(filer.id, year, { late_filing_explanation: '' });
                renderActiveTab();
              },
            }, t('fbar.filing.late.reset'))
          : null,
        copyBtn,
      ),
    );
    card.appendChild(actionsRow);

    // Footer help: tells the user where this string goes on the BSA
    // E-Filing portal.
    card.appendChild(el('p', {
      class: 'tb-card-meta',
      style: { marginTop: 'var(--tb-sp-3)', fontStyle: 'italic' },
    }, t('fbar.filing.late.footerHelp')));

    return card;
  }

  // --------------------------------------------------------------------
  // Form 114a (Preparer Authorization) card — only shown when filing
  // mode is third-party. Generates a printable A4 page with all the
  // fields auto-filled from filer + preparer records.
  //
  // 114a is NOT submitted to FinCEN. The preparer retains it for 5
  // years as proof that the actual filer authorized the e-filing.
  // --------------------------------------------------------------------

  function buildFiling114aCard(filer, year, mode, preparer) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const card = el('div', { class: 'tb-card', 'data-track': 'core', style: { borderLeft: '4px solid var(--tb-accent, #4a90e2)' } });
    card.appendChild(el('h3', { style: { margin: 0 } }, t('fbar.filing.f114a.title')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('fbar.filing.f114a.intro')));

    // Status checks: external mode means we don't have the preparer's
    // info in the household (the CPA fills out 114a themselves), and
    // we just generate a stub with the filer's info.
    if (mode === 'external_preparer') {
      card.appendChild(el('p', {
        class: 'tb-disclaimer-inline',
        style: { borderLeftColor: 'var(--tb-info, var(--tb-accent))' },
      }, t('fbar.filing.f114a.external.note')));
      card.appendChild(el('div', { class: 'tb-btn-row' },
        el('button', {
          class: 'tb-btn',
          onclick: () => openForm114aPrintWindow(filer.id, year, 'external_preparer', null),
        }, t('fbar.filing.f114a.print')),
      ));
      return card;
    }

    if (!preparer) {
      card.appendChild(el('p', {
        class: 'tb-disclaimer-inline',
        style: { borderLeftColor: 'var(--tb-warn)' },
      }, t('fbar.filing.f114a.noPreparer')));
      return card;
    }

    // Preview rows — what's going onto the printed form.
    const fullName = filer.name_en || filer.name_jp || '—';
    const prepName = preparer.name_en || preparer.name_jp || '—';
    const prepFirm = preparer.notes && /firm:\s*(.+)/i.test(preparer.notes)
      ? preparer.notes.match(/firm:\s*(.+)/i)[1].trim()
      : t('fbar.filing.f114a.preview.firmBlank');

    const previewRows = [
      { label: t('fbar.filing.f114a.preview.filerName'), value: fullName },
      { label: t('fbar.filing.f114a.preview.filerSsn'),
        value: filer.ssn_last4 ? '•••-••-' + filer.ssn_last4 : t('fbar.filing.f114a.preview.ssnMissing'),
        warn: !filer.ssn_last4 },
      { label: t('fbar.filing.f114a.preview.filerAddress'),
        value: filer.filing_address || t('fbar.filing.f114a.preview.addressMissing'),
        warn: !filer.filing_address },
      { label: t('fbar.filing.f114a.preview.preparerName'), value: prepName },
      { label: t('fbar.filing.f114a.preview.preparerFirm'), value: prepFirm },
      { label: t('fbar.filing.f114a.preview.preparerAddress'),
        value: preparer.filing_address || t('fbar.filing.f114a.preview.addressMissing'),
        warn: !preparer.filing_address },
      { label: t('fbar.filing.f114a.preview.preparerTin'),
        value: preparer.ssn_last4 ? '•••-••-' + preparer.ssn_last4 : t('fbar.filing.f114a.preview.ssnMissing'),
        warn: !preparer.ssn_last4 },
      { label: t('fbar.filing.f114a.preview.years'), value: year },
    ];

    const previewTable = el('table', {
      style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-14)', marginTop: 'var(--tb-sp-3)' },
    });
    const ptbody = el('tbody');
    for (const r of previewRows) {
      ptbody.appendChild(el('tr', null,
        el('td', { style: Object.assign({}, tdStyle(), { width: '220px', fontWeight: '600', color: 'var(--tb-text-soft)' }) }, r.label),
        el('td', { style: r.warn ? Object.assign({}, tdStyle(), { color: 'var(--tb-warn)', fontStyle: 'italic' }) : tdStyle() }, r.value),
      ));
    }
    previewTable.appendChild(ptbody);
    card.appendChild(el('div', { style: { overflowX: 'auto' } }, previewTable));

    card.appendChild(el('div', { class: 'tb-btn-row', style: { marginTop: 'var(--tb-sp-3)' } },
      el('button', {
        class: 'tb-btn',
        onclick: () => openForm114aPrintWindow(filer.id, year, mode, preparer),
      }, t('fbar.filing.f114a.print')),
    ));

    card.appendChild(el('p', {
      class: 'tb-card-meta',
      style: { marginTop: 'var(--tb-sp-3)', fontStyle: 'italic' },
    }, t('fbar.filing.f114a.footerHelp')));

    return card;
  }

  function openForm114aPrintWindow(filerId, year, mode, preparer) {
    const filer = findFiler(filerId);
    if (!filer) { alert('Filer not found.'); return; }
    const html = buildForm114aHtml(filer, year, mode, preparer);
    const win = window.open('', '_blank', 'noopener');
    if (!win) {
      alert('Pop-up blocked. Allow pop-ups for this site to open the printable form.');
      return;
    }
    win.document.open();
    win.document.write(html);
    win.document.close();
  }

  function buildForm114aHtml(filer, year, mode, preparer) {
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const esc = TB.utils.escapeHtml;
    const versionMeta = document.querySelector('meta[name="tb-version"]');
    const version = versionMeta ? versionMeta.content : '';
    const buildHashMeta = document.querySelector('meta[name="tb-build-hash"]');
    const buildHash = buildHashMeta ? buildHashMeta.content : '';

    const filerName = filer.name_en || filer.name_jp || '';
    const filerSsn = filer.ssn_last4 ? '_____ - ____ - ' + filer.ssn_last4 : '__________';
    const filerAddr = filer.filing_address || '';

    const isExternal = mode === 'external_preparer';
    const prepName = isExternal ? '' : (preparer ? (preparer.name_en || preparer.name_jp || '') : '');
    const prepAddr = isExternal ? '' : (preparer ? (preparer.filing_address || '') : '');
    const prepSsn = isExternal ? '__________' : (preparer && preparer.ssn_last4
      ? '_____ - ____ - ' + preparer.ssn_last4
      : '__________');

    const inner = `
      <header class="hdr">
        <h1>FinCEN Form 114a</h1>
        <h2>Record of Authorization to Electronically File FBARs</h2>
        <div class="meta">For tax year ${esc(year)} · Generated by Taigan Bridge</div>
      </header>

      <div class="auth-statement">
        <p>I (the filer) authorize the preparer named below to electronically file FBARs (FinCEN Form 114) on my behalf for the calendar year(s) noted below.</p>
      </div>

      <h3>Part I — Filer (Account Holder)</h3>
      <table class="form-table">
        <tr>
          <td class="label">Filer name</td>
          <td class="value">${esc(filerName) || '<span class="blank">______________________________</span>'}</td>
        </tr>
        <tr>
          <td class="label">Filer TIN (SSN)</td>
          <td class="value mono">${esc(filerSsn)}<br><span class="hint">⚠ Enter your full SSN by hand. Taigan Bridge stores last 4 only.</span></td>
        </tr>
        <tr>
          <td class="label">Filer address</td>
          <td class="value">${esc(filerAddr) || '<span class="blank">______________________________</span>'}</td>
        </tr>
      </table>

      <h3>Part II — Preparer</h3>
      ${isExternal ? `
      <p class="hint">External preparer (CPA / attorney): preparer fills in their own information here.</p>
      <table class="form-table">
        <tr><td class="label">Preparer name</td><td class="value"><span class="blank">______________________________</span></td></tr>
        <tr><td class="label">Firm name</td><td class="value"><span class="blank">______________________________</span></td></tr>
        <tr><td class="label">Preparer address</td><td class="value"><span class="blank">______________________________</span></td></tr>
        <tr><td class="label">Preparer TIN</td><td class="value mono">__________</td></tr>
      </table>
      ` : `
      <table class="form-table">
        <tr>
          <td class="label">Preparer name</td>
          <td class="value">${esc(prepName) || '<span class="blank">______________________________</span>'}</td>
        </tr>
        <tr>
          <td class="label">Firm name</td>
          <td class="value"><em>blank — self-employed (Item 50 checked)</em></td>
        </tr>
        <tr>
          <td class="label">Preparer address</td>
          <td class="value">${esc(prepAddr) || '<span class="blank">______________________________</span>'}</td>
        </tr>
        <tr>
          <td class="label">Preparer TIN (SSN)</td>
          <td class="value mono">${esc(prepSsn)}<br><span class="hint">⚠ Enter full SSN by hand.</span></td>
        </tr>
      </table>
      `}

      <h3>Part III — Authorization</h3>
      <table class="form-table">
        <tr>
          <td class="label">Calendar year(s) authorized</td>
          <td class="value mono"><strong>${esc(year)}</strong></td>
        </tr>
      </table>

      <div class="signature-block">
        <div class="sig">
          <div class="sig-line">______________________________</div>
          <div class="sig-label">Filer signature</div>
        </div>
        <div class="sig">
          <div class="sig-line">______________________________</div>
          <div class="sig-label">Date</div>
        </div>
      </div>

      <div class="signature-block">
        <div class="sig">
          <div class="sig-line">______________________________</div>
          <div class="sig-label">Preparer signature</div>
        </div>
        <div class="sig">
          <div class="sig-line">______________________________</div>
          <div class="sig-label">Date</div>
        </div>
      </div>

      <footer class="ftr">
        <strong>RETAIN, DO NOT SUBMIT.</strong> Form 114a is retained by the preparer for 5 years following the FBAR filing. Do NOT submit to FinCEN.<br>
        Generated by Taigan Bridge v${esc(version)}, build ${esc(buildHash)} on ${new Date().toISOString().slice(0, 10)}.
        Educational organizational tool only — verify all field values against the official FinCEN 114a before signing.
      </footer>
    `;

    return `<!DOCTYPE html>
<html lang="${lang}">
<head>
  <meta charset="UTF-8">
  <title>FinCEN Form 114a — ${esc(year)} — ${esc(filerName)}</title>
  <style>
    @page { size: A4; margin: 18mm; }
    body { font: 12px/1.5 system-ui, -apple-system, "Segoe UI", "Noto Sans JP", sans-serif; color: #1a1f2a; }
    .hdr { border-bottom: 2px solid #1a1f2a; padding-bottom: 8px; margin-bottom: 16px; }
    .hdr h1 { margin: 0; font-size: 22px; }
    .hdr h2 { margin: 4px 0 0; font-size: 14px; font-weight: 500; color: #555; }
    .meta { color: #666; font-size: 11px; margin-top: 6px; }
    h3 { margin: 18px 0 6px; font-size: 13px; border-bottom: 1px solid #ccc; padding-bottom: 2px; text-transform: uppercase; letter-spacing: 0.04em; }
    .auth-statement { background: #f5f5f5; border-left: 3px solid #4a90e2; padding: 10px 12px; margin: 12px 0; font-size: 12px; }
    .auth-statement p { margin: 0; }
    .form-table { width: 100%; border-collapse: collapse; margin: 8px 0; }
    .form-table td { border: 1px solid #d0d0d0; padding: 6px 10px; vertical-align: top; }
    .form-table td.label { width: 180px; background: #f3efe6; font-weight: 600; }
    .form-table td.value { font-size: 12px; }
    .mono { font-family: ui-monospace, Menlo, Consolas, monospace; }
    .blank { color: #aaa; letter-spacing: 0.5px; }
    .hint { color: #8a4d00; font-size: 10px; display: block; margin-top: 2px; }
    .signature-block { display: flex; gap: 24px; margin: 18px 0; }
    .sig { flex: 1; }
    .sig-line { font-family: ui-monospace, Menlo, Consolas, monospace; font-size: 14px; letter-spacing: 0.5px; color: #aaa; }
    .sig-label { font-size: 10px; color: #555; margin-top: 2px; }
    .ftr { margin-top: 28px; padding-top: 10px; border-top: 1px solid #d0d0d0; font-size: 10px; color: #555; line-height: 1.4; }
  </style>
</head>
<body>
${inner}
<script>window.addEventListener('load', () => setTimeout(() => window.print(), 200));<\/script>
</body>
</html>`;
  }

  // --------------------------------------------------------------------
  // Treasury Rates Reference card — quick lookup for $10K threshold in
  // foreign currencies, year by year. Source: TREASURY_FX (hardcoded
  // unverified placeholders) overridden by state.settings.fx if the
  // user has refreshed from fiscal.treasury.gov via Settings.
  // --------------------------------------------------------------------

  function buildFilingRatesReferenceCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    // Years to show: union of (years that appear in user data) +
    // (years in TREASURY_FX), recent N years.
    const years = knownYears().filter(y => /^\d{4}$/.test(y));
    years.sort((a, b) => parseInt(b, 10) - parseInt(a, 10));
    const showYears = years.slice(0, 8);

    // Currencies to show: ONLY ones that actually appear in the
    // household's accounts. USD is the reference (no rate needed).
    // No forced fallbacks — if all accounts are USD the table is
    // hidden behind an informational message; if there are no
    // accounts at all, ditto.
    const accounts = getAccounts();
    const userCurrencies = new Set();
    for (const a of accounts) {
      if (a.currency && a.currency !== 'USD') userCurrencies.add(a.currency);
    }
    const showCurrencies = Array.from(userCurrencies).sort();

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(el('h3', { style: { margin: 0 } }, t('fbar.filing.rates.title')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('fbar.filing.rates.intro')));

    // Edge case 1: no accounts at all yet.
    if (accounts.length === 0) {
      card.appendChild(el('p', { class: 'tb-wizard-help' }, t('fbar.filing.rates.empty')));
      return card;
    }

    // Edge case 2: every account is USD. No FX conversion needed for
    // FBAR — all max balances are already in the reporting currency.
    if (showCurrencies.length === 0) {
      card.appendChild(el('div', {
        class: 'tb-disclaimer-inline',
        style: { borderLeftColor: 'var(--tb-info, var(--tb-accent))' },
      }, t('fbar.filing.rates.allUsd')));
      return card;
    }

    if (showYears.length === 0) {
      card.appendChild(el('p', { class: 'tb-wizard-help' }, t('fbar.filing.rates.noYears')));
      return card;
    }

    // Edge case 3: a currency in the user's accounts is not in our
    // TREASURY_FX table (e.g. obscure currency, typo). Surface it
    // separately so the user knows the row will be empty.
    const unknownCurrencies = [];
    for (const c of showCurrencies) {
      let hasAnyRate = false;
      for (const y of showYears) {
        const fx = fxRateFor(c, y);
        if (fx.rate != null) { hasAnyRate = true; break; }
      }
      if (!hasAnyRate) unknownCurrencies.push(c);
    }

    const table = el('table', {
      style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-14)', marginTop: 'var(--tb-sp-3)' },
    });
    const headRow = el('tr', null,
      el('th', { style: thStyle() }, t('fbar.filing.rates.col.year')),
      ...showCurrencies.map(c => el('th', { style: thStyle('right') }, c + ' / USD')),
      ...showCurrencies.map(c => el('th', { style: thStyle('right') }, '$10K in ' + c)),
    );
    table.appendChild(el('thead', null, headRow));

    const tbody = el('tbody');
    for (const y of showYears) {
      const row = el('tr', null,
        el('td', { style: Object.assign({}, tdStyle(), { fontWeight: '600' }) }, y),
        ...showCurrencies.map(c => {
          const fx = fxRateFor(c, y);
          const rate = fx.rate;
          return el('td', { style: Object.assign({}, tdStyle('right'), { fontFamily: 'var(--tb-font-mono)' }) },
            rate != null ? rate.toFixed(rate > 100 ? 2 : 3) : '—');
        }),
        ...showCurrencies.map(c => {
          const fx = fxRateFor(c, y);
          const rate = fx.rate;
          return el('td', { style: Object.assign({}, tdStyle('right'), { fontFamily: 'var(--tb-font-mono)', color: 'var(--tb-text-soft)' }) },
            rate != null
              ? new Intl.NumberFormat('en-US', { maximumFractionDigits: 0 }).format(rate * 10000)
              : '—');
        }),
      );
      tbody.appendChild(row);
    }
    table.appendChild(tbody);
    card.appendChild(el('div', { style: { overflowX: 'auto' } }, table));

    // Edge-case warning: any currency we couldn't price for any
    // year. The row is still in the table (with em-dashes) but the
    // user needs to know the rates aren't from Treasury — they have
    // to look those up manually.
    if (unknownCurrencies.length > 0) {
      card.appendChild(el('div', {
        class: 'tb-disclaimer-inline',
        style: { borderLeftColor: 'var(--tb-warn)', marginTop: 'var(--tb-sp-3)' },
      }, t('fbar.filing.rates.unknownCurrency', {
        currencies: unknownCurrencies.join(', '),
      })));
    }

    // Source label + refresh button.
    const fetchedAt = TB.state.get('settings.fx.treasury_fetched_at');
    const sourceLabel = fetchedAt
      ? t('fbar.filing.rates.source.fetched', { date: String(fetchedAt).slice(0, 10) })
      : t('fbar.filing.rates.source.placeholder');

    card.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', marginTop: 'var(--tb-sp-3)', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
    },
      el('span', { class: 'tb-card-meta', style: { margin: 0 } }, sourceLabel),
      el('button', {
        class: 'tb-btn tb-btn--secondary',
        onclick: async (e) => {
          const btn = e.target;
          btn.disabled = true;
          btn.textContent = t('fbar.filing.rates.refreshing');
          try {
            await refreshTreasuryRates(showYears);
            renderActiveTab();
          } catch (err) {
            alert(t('fbar.filing.rates.refreshFailed') + '\n\n' + (err && err.message || err));
            btn.disabled = false;
            btn.textContent = t('fbar.filing.rates.refresh');
          }
        },
      }, t('fbar.filing.rates.refresh')),
    ));

    return card;
  }

  // --------------------------------------------------------------------
  // AI FBAR Advisor card — quick-prompt buttons + free-text Q&A backed
  // by Claude. Per-session only (no persistence). Always shows a
  // "configure API key" pointer if the user hasn't set one in Settings.
  // --------------------------------------------------------------------

  let advisorState = { lastQuery: '', lastAnswer: '', loading: false };

  function buildFilingAiAdvisorCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    const card = el('div', { class: 'tb-card', 'data-track': 'core' },
      el('h3', { style: { margin: 0 } }, t('fbar.filing.advisor.title')),
      el('p', { class: 'tb-card-meta' }, t('fbar.filing.advisor.intro')),
    );

    const hasKey = TB.ai && TB.ai.hasKey && TB.ai.hasKey();
    if (!hasKey) {
      card.appendChild(el('p', {
        class: 'tb-disclaimer-inline',
        style: { borderLeftColor: 'var(--tb-warn)' },
      }, t('fbar.filing.advisor.noKey')));
      return card;
    }

    // Quick-prompt buttons.
    const presets = [
      { key: 'overview',  promptKey: 'fbar.filing.advisor.preset.overview.prompt',  labelKey: 'fbar.filing.advisor.preset.overview.label' },
      { key: 'deadlines', promptKey: 'fbar.filing.advisor.preset.deadlines.prompt', labelKey: 'fbar.filing.advisor.preset.deadlines.label' },
      { key: 'risks',     promptKey: 'fbar.filing.advisor.preset.risks.prompt',     labelKey: 'fbar.filing.advisor.preset.risks.label' },
    ];

    const presetRow = el('div', { style: { display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-3)' } },
      ...presets.map(p => el('button', {
        class: 'tb-btn tb-btn--secondary',
        onclick: () => {
          input.value = t(p.promptKey);
          submitAdvisorQuery();
        },
      }, t(p.labelKey))),
    );
    card.appendChild(presetRow);

    const inputRow = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)', alignItems: 'stretch', marginBottom: 'var(--tb-sp-3)' } });
    const input = el('input', {
      type: 'text',
      class: 'tb-input',
      style: { flex: '1 1 0' },
      placeholder: t('fbar.filing.advisor.placeholder'),
      onkeydown: (e) => { if (e.key === 'Enter') submitAdvisorQuery(); },
    });
    if (advisorState.lastQuery) input.value = advisorState.lastQuery;

    const askBtn = el('button', {
      class: 'tb-btn',
      onclick: submitAdvisorQuery,
    }, t('fbar.filing.advisor.ask'));
    inputRow.appendChild(input);
    inputRow.appendChild(askBtn);
    card.appendChild(inputRow);

    // Answer area.
    const answerArea = el('div', {
      id: 'tb-fbar-advisor-answer',
      style: { whiteSpace: 'pre-wrap', lineHeight: '1.55', minHeight: '32px' },
    });
    if (advisorState.loading) {
      answerArea.appendChild(el('p', { class: 'tb-card-meta' }, t('fbar.filing.advisor.loading')));
    } else if (advisorState.lastAnswer) {
      answerArea.appendChild(el('div', {
        style: { padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)', border: '1px solid var(--tb-border)', borderRadius: 'var(--tb-radius-2)' },
      }, advisorState.lastAnswer));
    }
    card.appendChild(answerArea);

    card.appendChild(el('p', {
      class: 'tb-card-meta',
      style: { marginTop: 'var(--tb-sp-3)', fontStyle: 'italic' },
    }, t('fbar.filing.advisor.disclaimer')));

    function submitAdvisorQuery() {
      const q = (input.value || '').trim();
      if (!q || advisorState.loading) return;
      advisorState.lastQuery = q;
      advisorState.loading = true;
      advisorState.lastAnswer = '';
      renderActiveTab();

      const sys = 'You are a tax-information assistant explaining FBAR (FinCEN Form 114) rules to a U.S. person living abroad. ' +
        'Provide accurate, conservative answers. Always recommend the user verify with fincen.gov and consult a qualified tax professional before filing. ' +
        'Do not offer legal advice. Be concise — prefer 3-6 sentences over long-form. ' +
        'If the question is outside FBAR scope (general tax, immigration, etc.), say so briefly and redirect.';

      // live: true is required to actually hit the API — without it,
      // callClaude returns a placeholder response by design.
      TB.ai.callClaudeWithFbarContext(q, { system: sys, maxTokens: 700, live: true })
        .then(resp => {
          advisorState.loading = false;
          const txt = resp && resp.content && resp.content[0] && resp.content[0].text;
          advisorState.lastAnswer = txt || t('fbar.filing.advisor.errorEmpty');
          renderActiveTab();
        })
        .catch(err => {
          advisorState.loading = false;
          advisorState.lastAnswer = t('fbar.filing.advisor.errorPrefix') + '\n\n' + (err && err.message || err);
          renderActiveTab();
        });
    }

    return card;
  }

  // --------------------------------------------------------------------
  // Generic checklist table — rows of { item, field, action, warn? }.
  // --------------------------------------------------------------------

  function buildChecklistTable(rows) {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    const table = el('table', {
      class: 'tb-fbar-filing-checklist',
      style: {
        width: '100%',
        borderCollapse: 'collapse',
        fontSize: 'var(--tb-fs-14)',
        marginTop: 'var(--tb-sp-3)',
      },
    });
    table.appendChild(el('thead', null,
      el('tr', null,
        el('th', { style: Object.assign({}, thStyle(), { width: '70px' }) }, t('fbar.filing.col.item')),
        el('th', { style: Object.assign({}, thStyle(), { width: '220px' }) }, t('fbar.filing.col.field')),
        el('th', { style: thStyle() }, t('fbar.filing.col.action')),
      ),
    ));

    const tbody = el('tbody');
    for (const r of rows) {
      const actionStyle = r.warn
        ? Object.assign({}, tdStyle(), { color: 'var(--tb-warn)', fontStyle: 'italic' })
        : tdStyle();
      tbody.appendChild(el('tr', null,
        el('td', { style: Object.assign({}, tdStyle(), { fontFamily: 'var(--tb-font-mono)', color: 'var(--tb-text-muted)' }) }, r.item),
        el('td', { style: Object.assign({}, tdStyle(), { fontWeight: '600' }) }, r.field),
        el('td', { style: actionStyle }, r.action),
      ));
    }
    table.appendChild(tbody);

    return el('div', { style: { overflowX: 'auto' } }, table);
  }

  // ====================================================================
  // PRINT SUMMARY
  // ====================================================================

  function renderPrint(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const filers = getFilers();
    const yrs = knownYears();
    const lang = TB.i18n.getLang();

    if (!printState.filerId && filers.length > 0) printState.filerId = filers[0].id;
    if (!printState.year) printState.year = defaultYear();

    const headerCard = el('div', { class: 'tb-card', 'data-track': 'core' },
      el('h2', null, t('fbar.print.title')),
      el('p', { class: 'tb-card-meta' }, t('fbar.print.intro')),
      grid2col(
        field(t('fbar.print.select.filer'), el('select', {
          class: 'tb-select',
          onchange: (e) => { printState.filerId = e.target.value; renderActiveTab(); },
        },
          el('option', { value: '' }, '—'),
          ...filers.map(f => el('option', {
            value: f.id, selected: printState.filerId === f.id,
          }, displayName(f, lang) || '—')),
        )),
        field(t('fbar.print.select.year'), el('select', {
          class: 'tb-select',
          onchange: (e) => { printState.year = e.target.value; renderActiveTab(); },
        },
          ...yrs.map(y => el('option', { value: y, selected: printState.year === y }, y)),
        )),
      ),
      el('div', { class: 'tb-btn-row' },
        el('button', { class: 'tb-btn', onclick: openPrintWindow }, t('fbar.print.print')),
      ),
    );
    tabHost.appendChild(headerCard);

    const previewCard = el('div', { class: 'tb-card', 'data-track': 'core' });
    previewCard.appendChild(el('h3', null, t('fbar.print.preview.title')));
    if (!printState.filerId || !printState.year) {
      previewCard.appendChild(el('p', { class: 'tb-wizard-help' }, t('fbar.print.empty')));
    } else {
      const summary = buildPrintSummaryHtml(printState.filerId, printState.year, false);
      const previewWrap = el('div', { class: 'tb-fbar-print-preview' });
      previewWrap.innerHTML = summary;
      previewCard.appendChild(previewWrap);
    }
    tabHost.appendChild(previewCard);
  }

  function buildPrintSummaryHtml(filerId, year, fullDoc) {
    const filer = findFiler(filerId);
    if (!filer) return '<p>Filer not found.</p>';
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const status = thresholdStatus(filerId, year);
    const accounts = getAccounts().filter(a => (a.filer_ids || []).includes(filerId) && isAccountActiveInYear(a, year));
    const balances = getBalances();
    const esc = TB.utils.escapeHtml;

    const meta = document.querySelector('meta[name="tb-version"]');
    const version = meta ? meta.content : '';
    const hashMeta = document.querySelector('meta[name="tb-build-hash"]');
    const buildHash = hashMeta ? hashMeta.content : '';

    const accountRows = accounts.map((a, i) => {
      const bal = balances.find(b => b.account_id === a.id && String(b.year) === String(year));
      const ownerNames = (a.filer_ids || [])
        .map(id => findFiler(id))
        .filter(Boolean)
        .map(f => esc(displayName(f, lang)))
        .join(', ');
      const native = bal && bal.max_balance_native != null
        ? new Intl.NumberFormat(lang === 'ja' ? 'ja-JP' : 'en-US').format(bal.max_balance_native) + ' ' + esc(a.currency)
        : '—';
      const usd = bal && bal.max_balance_usd != null ? TB.utils.formatUSD(bal.max_balance_usd) : '—';
      const fxLine = bal && bal.fx_rate_used != null
        ? bal.fx_rate_used + ' (' + esc(bal.fx_rate_source || '') + ')'
        : '—';
      return `
        <tr>
          <td>${i + 1}</td>
          <td>${esc(a.institution_name || '')}<br><small>${esc(a.institution_address || '')}</small></td>
          <td>${esc(a.country)}</td>
          <td>${esc(masked(a.account_number_full))}</td>
          <td>${esc(t('fbar.accounts.account_type.' + a.account_type))}${a.signatory_only ? '<br><small>signature authority only</small>' : ''}</td>
          <td>${esc(a.currency)}</td>
          <td style="text-align:right">${native}</td>
          <td style="text-align:right">${usd}</td>
          <td>${fxLine}</td>
          <td>${ownerNames || '—'}</td>
        </tr>`;
    }).join('');

    const verdictHtml = status.status === 'at_or_over'
      ? `<div class="verdict required"><strong>FBAR REQUIRED</strong> for ${esc(displayName(filer, lang))} for ${esc(year)}. Aggregate ${TB.utils.formatUSD(status.aggregate_usd)} exceeds the $10,000 threshold. File via the FinCEN BSA E-Filing System by April 15 (auto-extended to October 15).</div>`
      : status.status === 'under'
      ? `<div class="verdict ok"><strong>FBAR not required</strong> for ${esc(year)}. Aggregate ${TB.utils.formatUSD(status.aggregate_usd)} is at or under the $10,000 threshold.</div>`
      : status.status === 'not_us_person'
      ? `<div class="verdict info">Filer is not a U.S. person — FBAR does not apply.</div>`
      : `<div class="verdict warn"><strong>Insufficient data.</strong> One or more accounts are missing balance entries for ${esc(year)}. Threshold cannot be determined.</div>`;

    const warnings = (status.warnings || []).length
      ? '<ul class="warnings">' + status.warnings.map(w => '<li>' + esc(w) + '</li>').join('') + '</ul>'
      : '';

    const filerInfoHtml = `
      <h2>Filer</h2>
      <table class="info">
        <tr><th>Name</th><td>${esc(filer.name_en || '—')}${filer.name_jp ? ' / <span lang="ja">' + esc(filer.name_jp) + '</span>' : ''}</td></tr>
        <tr><th>Relationship</th><td>${esc(t('fbar.filers.relationship.' + filer.relationship))}${filer.isMinor ? ' (minor — parent may sign on the minor\'s behalf)' : ''}</td></tr>
        <tr><th>Date of birth</th><td>${esc(filer.dob || '—')}</td></tr>
        <tr><th>SSN (last 4)</th><td>***-**-${esc(filer.ssn_last4 || '----')}</td></tr>
        <tr><th>Address</th><td>${esc(filer.filing_address || '—')}</td></tr>
        <tr><th>U.S. person</th><td>${filer.isUSPerson ? 'Yes' : 'No'}</td></tr>
      </table>`;

    const accountsTable = `
      <h2>Foreign accounts active in ${esc(year)}</h2>
      <table class="accounts">
        <thead><tr>
          <th>#</th><th>Institution</th><th>Country</th><th>Account #</th>
          <th>Type</th><th>Cur</th><th style="text-align:right">Max (native)</th>
          <th style="text-align:right">Max (USD)</th><th>FX rate</th><th>Owners</th>
        </tr></thead>
        <tbody>${accountRows || '<tr><td colspan="10"><em>No foreign accounts active in ' + esc(year) + '.</em></td></tr>'}</tbody>
      </table>`;

    const filerNotes = filer.notes ? `<h2>Notes</h2><p>${esc(filer.notes)}</p>` : '';

    const inner = `
      <header class="hdr">
        <h1>FBAR Summary — ${esc(year)}</h1>
        <div class="meta">For: ${esc(displayName(filer, lang) || '—')} · Generated by Taigan Bridge</div>
      </header>

      ${verdictHtml}
      ${warnings}

      ${filerInfoHtml}

      ${accountsTable}

      ${filerNotes}

      <footer class="ftr">
        Generated by Taigan Bridge v${esc(version)}, build ${esc(buildHash)} on ${new Date().toISOString()}.
        Educational organizational tool only — not a filing.
        File at <strong>bsaefiling.fincen.treas.gov</strong>.
        <br>FX rates in this build are <strong>UNVERIFIED</strong> placeholders;
        confirm against fiscal.treasury.gov before filing.
      </footer>
    `;

    if (!fullDoc) return printPreviewStyles() + inner;

    return `<!DOCTYPE html>
<html lang="${lang}">
<head>
  <meta charset="UTF-8">
  <title>FBAR Summary — ${esc(year)} — ${esc(displayName(filer, lang) || '')}</title>
  ${printDocStyles()}
</head>
<body>
${inner}
<script>window.addEventListener('load', () => setTimeout(() => window.print(), 100));<\/script>
</body>
</html>`;
  }

  function printPreviewStyles() {
    return `<style>
      .tb-fbar-print-preview .hdr h1 { margin: 0 0 4px; font-size: 20px; }
      .tb-fbar-print-preview .meta { color: var(--tb-text-soft); font-size: var(--tb-fs-12); margin-bottom: var(--tb-sp-4); }
      .tb-fbar-print-preview h2 { margin: 18px 0 8px; font-size: 14px; border-bottom: 1px solid var(--tb-border); padding-bottom: 2px; }
      .tb-fbar-print-preview table { width: 100%; border-collapse: collapse; font-size: var(--tb-fs-12); }
      .tb-fbar-print-preview th, .tb-fbar-print-preview td { border: 1px solid var(--tb-border); padding: 4px 6px; vertical-align: top; }
      .tb-fbar-print-preview th { background: var(--tb-paper); text-align: left; font-weight: 600; }
      .tb-fbar-print-preview .verdict { padding: 10px 12px; border-radius: 6px; margin: 10px 0; }
      .tb-fbar-print-preview .verdict.required { background: rgba(185,122,26,0.15); color: var(--tb-warn); }
      .tb-fbar-print-preview .verdict.ok { background: rgba(47,111,78,0.10); color: var(--tb-success); }
      .tb-fbar-print-preview .verdict.warn { background: rgba(178,58,58,0.08); color: var(--tb-error); }
      .tb-fbar-print-preview .verdict.info { background: var(--tb-bg); color: var(--tb-text-soft); }
      .tb-fbar-print-preview .warnings { margin: 8px 0; padding-left: 20px; color: var(--tb-warn); font-size: var(--tb-fs-12); }
      .tb-fbar-print-preview .ftr { margin-top: 24px; font-size: var(--tb-fs-12); color: var(--tb-text-soft); line-height: 1.4; }
      .tb-fbar-print-preview table.info th { width: 160px; }
    </style>`;
  }

  function printDocStyles() {
    return `<style>
      @page { size: A4; margin: 18mm; }
      body { font: 12px/1.45 system-ui, -apple-system, "Segoe UI", "Noto Sans JP", sans-serif; color: #1a1f2a; }
      h1 { margin: 0 0 4px; font-size: 20px; }
      h2 { margin: 18px 0 6px; font-size: 14px; border-bottom: 1px solid #ccc; padding-bottom: 2px; }
      .meta { color: #666; font-size: 11px; margin-bottom: 14px; }
      .verdict { padding: 10px 12px; border-radius: 6px; margin: 12px 0; }
      .verdict.required { background: #fff4e0; color: #8a4d00; border: 1px solid #e2b573; }
      .verdict.ok { background: #e9f4ec; color: #1f5b3b; border: 1px solid #9ec7ad; }
      .verdict.warn { background: #fdecec; color: #8b2a2a; border: 1px solid #d99898; }
      .verdict.info { background: #f5f5f5; color: #555; border: 1px solid #ddd; }
      .warnings { margin: 8px 0; padding-left: 20px; color: #8a4d00; font-size: 11px; }
      table { width: 100%; border-collapse: collapse; font-size: 11px; }
      th, td { border: 1px solid #d0d0d0; padding: 4px 6px; vertical-align: top; }
      th { background: #f3efe6; text-align: left; font-weight: 600; }
      table.info th { width: 160px; }
      table.accounts thead tr { page-break-after: avoid; }
      table.accounts tr { page-break-inside: avoid; }
      .ftr { margin-top: 24px; font-size: 10px; color: #666; line-height: 1.4; }
    </style>`;
  }

  function openPrintWindow() {
    if (!printState.filerId || !printState.year) {
      alert('Select a filer and year first.');
      return;
    }
    const html = buildPrintSummaryHtml(printState.filerId, printState.year, true);
    const win = window.open('', '_blank', 'noopener');
    if (!win) {
      alert('Pop-up blocked. Allow pop-ups for this site to print the summary.');
      return;
    }
    win.document.open();
    win.document.write(html);
    win.document.close();
  }

  // ====================================================================
  // Small UI helpers used across sub-views
  // ====================================================================

  // Three-dropdown date picker (Year / Month / Day). Native HTML5
  // <input type="date"> is awful for dates that need to scroll back
  // many years (DOB) — picking a 2017 birth from a 2026 starting
  // point requires either typing manually or scrolling year-by-year.
  // Three selects let the user jump straight to the right year.
  //
  // currentValue: ISO date string "YYYY-MM-DD" or empty.
  // onChange(newValueOrEmpty): called when all three are set or any
  //   is cleared.
  function buildYearMonthDayPicker(currentValue, onChange) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const fmt = new Intl.DateTimeFormat(lang === 'ja' ? 'ja-JP' : 'en-US', { month: 'long' });
    const monthNames = Array.from({ length: 12 }, (_, i) => fmt.format(new Date(2000, i, 1)));

    const parts = String(currentValue || '').split('-');
    const state = {
      year: parts[0] || '',
      month: parts[1] || '',
      day: parts[2] || '',
    };

    const today = new Date();
    const thisYear = today.getFullYear();
    const yearOptions = [];
    for (let y = thisYear; y >= thisYear - 110; y--) yearOptions.push(String(y));

    function commit() {
      if (state.year && state.month && state.day) {
        const m = String(state.month).padStart(2, '0');
        const d = String(state.day).padStart(2, '0');
        onChange(state.year + '-' + m + '-' + d);
      } else if (!state.year && !state.month && !state.day) {
        onChange('');
      }
      // Partial selection: don't commit yet — wait for all three.
    }

    const yearSelect = el('select', {
      class: 'tb-select',
      style: { flex: '1 1 0', minWidth: '90px' },
      onchange: (e) => { state.year = e.target.value; commit(); },
    },
      el('option', { value: '', selected: !state.year }, t('fbar.dob.year')),
      ...yearOptions.map(y => el('option', { value: y, selected: state.year === y }, y)),
    );

    const monthSelect = el('select', {
      class: 'tb-select',
      style: { flex: '1 1 0', minWidth: '110px' },
      onchange: (e) => { state.month = e.target.value; commit(); },
    },
      el('option', { value: '', selected: !state.month }, t('fbar.dob.month')),
      ...monthNames.map((name, i) => {
        const val = String(i + 1).padStart(2, '0');
        return el('option', { value: val, selected: state.month === val }, name);
      }),
    );

    const daySelect = el('select', {
      class: 'tb-select',
      style: { flex: '0 0 80px' },
      onchange: (e) => { state.day = e.target.value; commit(); },
    },
      el('option', { value: '', selected: !state.day }, t('fbar.dob.day')),
      ...Array.from({ length: 31 }, (_, i) => {
        const val = String(i + 1).padStart(2, '0');
        return el('option', { value: val, selected: state.day === val }, String(i + 1));
      }),
    );

    return el('div', {
      style: { display: 'flex', gap: 'var(--tb-sp-2)' },
    }, yearSelect, monthSelect, daySelect);
  }

  function field(label, control, help) {
    const el = TB.utils.el;
    return el('label', { class: 'tb-field', style: { marginBottom: 0 } },
      el('span', { class: 'tb-field-label' }, label),
      control,
      help ? el('div', { class: 'tb-field-help' }, help) : null,
    );
  }

  function grid2col() {
    const el = TB.utils.el;
    return el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(240px, 1fr))', gap: 'var(--tb-sp-3)', marginBottom: 'var(--tb-sp-3)' },
    }, ...arguments);
  }

  // ====================================================================
  // Module registration
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id,
    label_en: 'FBAR Tracker',
    label_jp: 'FBAR トラッカー',
    render,
  };

  // Expose pure functions for tests / AI sanitizer integration.
  window.TB.fbar = {
    thresholdStatus,
    summarizeFbarForAi,
    FBAR_THRESHOLD_USD,
    TREASURY_FX,
    fxRateFor,
    refreshTreasuryRates,
    defaultRefreshYears,
    SUPPORTED_CURRENCIES,
  };
})();

</script>
  <script data-source="scripts/modules/assets.js">
/* Taigan Bridge — modules/assets.js
 *
 * Asset & Portfolio Tracker (v0.4.x — Phase 1)
 *
 * Canonical store for every account the user owns — US, Japan,
 * retirement, taxable, real estate, equity comp. SOFA Roth Planner
 * derives its aggregations from this list (TB.assets.aggregateForSofa)
 * so balances are entered ONCE.
 *
 * Phase 1 (this release):
 *   - Account CRUD with institution / tax-wrapper / country / currency
 *   - Multi-currency display (native + USD aggregate)
 *   - Summary card: total, by-country, by-tax-wrapper
 *   - Group-by-institution / wrapper / country
 *   - Staleness indicators
 *   - SOFA aggregator
 *
 * Phase 2 (deferred — see CHANGELOG):
 *   - Image / PDF upload + Claude vision extraction
 *   - Beneficiary tracking, asset allocation %, lifecycle countdown
 *   - AI note suggestions
 */

(function () {
  'use strict';

  const id = 'assets';

  // ====================================================================
  // Taxonomies
  // ====================================================================

  // Tax wrapper definitions — keep in sync with assets.wrapper.* i18n.
  // `cat` groups wrappers for the by-wrapper summary card. `basis`
  // means the form should expose a cost-basis field (drives U.S. LTCG
  // and post-住民票 Japan-tax math).
  const WRAPPERS = [
    { id: 'traditional_ira',      country: 'US', cat: 'retirement_pretax', color: 'var(--tb-track-sofa)',     basis: false },
    { id: 'traditional_401k_tsp', country: 'US', cat: 'retirement_pretax', color: 'var(--tb-track-sofa)',     basis: false },
    { id: 'roth_ira',             country: 'US', cat: 'retirement_roth',   color: 'var(--tb-success)',        basis: false },
    { id: 'roth_401k',            country: 'US', cat: 'retirement_roth',   color: 'var(--tb-success)',        basis: false },
    { id: 'taxable_brokerage',    country: 'US', cat: 'taxable',           color: 'var(--tb-track-property)', basis: true  },
    { id: 'hsa',                  country: 'US', cat: 'special',           color: 'var(--tb-track-veteran)',  basis: false },
    { id: 'rsu_unvested',         country: 'US', cat: 'equity_comp',       color: 'var(--tb-warn)',           basis: false },
    { id: 'nso_iso',              country: 'US', cat: 'equity_comp',       color: 'var(--tb-warn)',           basis: false },
    { id: 'deferred_comp',        country: 'US', cat: 'equity_comp',       color: 'var(--tb-warn)',           basis: false },
    { id: 'us_real_estate',       country: 'US', cat: 'realestate',        color: 'var(--tb-accent)',         basis: true  },
    // U.S. banking — bank deposits, NOT securities. Don't feed SOFA's
    // taxable_brokerage/RSU/etc. flow but show in the by-wrapper rollup.
    { id: 'us_checking',          country: 'US', cat: 'banking_us',        color: 'var(--tb-slate)',          basis: false },
    { id: 'us_savings',           country: 'US', cat: 'banking_us',        color: 'var(--tb-slate)',          basis: false },
    { id: 'us_cd',                country: 'US', cat: 'banking_us',        color: 'var(--tb-slate)',          basis: false },
    // U.S. Treasury — federal-only interest income (state-exempt).
    // Savings bonds (I/EE) get tax-deferred treatment until redemption;
    // marketable Treasuries (bills/notes/bonds/TIPS) accrue annually.
    // Both are taxed in Japan post-住民票 as ordinary income, so they
    // sit alongside CDs / savings rather than under taxable_brokerage.
    { id: 'us_savings_bond',      country: 'US', cat: 'treasury_us',       color: 'var(--tb-navy-soft)',      basis: false },
    { id: 'us_treasury',          country: 'US', cat: 'treasury_us',       color: 'var(--tb-navy-soft)',      basis: false },
    { id: 'jp_savings',           country: 'JP', cat: 'banking_jp',        color: 'var(--tb-track-resident)', basis: false },
    { id: 'jp_checking',          country: 'JP', cat: 'banking_jp',        color: 'var(--tb-track-resident)', basis: false },
    { id: 'jp_fixed_deposit',     country: 'JP', cat: 'banking_jp',        color: 'var(--tb-track-resident)', basis: false },
    { id: '529',                  country: 'US', cat: 'savings',           color: 'var(--tb-track-family)',   basis: false },
    { id: 'other',                country: 'OTHER', cat: 'other',          color: 'var(--tb-text-soft)',      basis: false },
  ];

  const WRAPPER_BY_ID = Object.fromEntries(WRAPPERS.map((w) => [w.id, w]));

  // Display order for the by-wrapper rollup. Tax-deferred / Roth / taxable
  // sit at the top; banking-style and "other" trail.
  // ====================================================================
  // Asset allocation taxonomy (Phase 5)
  // ====================================================================
  //
  // Six top-level asset classes — broad enough to be useful, narrow
  // enough that defaults can be inferred from tax_wrapper. Stored on
  // each account as `allocation: { equity_us: 0.85, equity_intl: 0.15 }`
  // (decimals 0-1 summing to ~1.0). Missing classes treated as 0.
  // Auto-normalized on save so rounding doesn't drift sums above 1.

  const ASSET_CLASSES = ['equity_us', 'equity_intl', 'bond', 'cash', 'real_estate', 'alternative'];

  const ASSET_CLASS_COLOR = {
    equity_us:    'var(--tb-track-sofa)',      // navy
    equity_intl:  'var(--tb-track-veteran)',   // forest green
    bond:         'var(--tb-navy-soft)',
    cash:         'var(--tb-slate)',
    real_estate:  'var(--tb-accent)',          // terracotta
    alternative:  'var(--tb-warn)',            // amber
  };

  // Default allocation per wrapper. Values must sum to 1.0 per row.
  // The user can override per-account in the modal; "Use defaults"
  // resets to this table. Conservative bias: retirement = 70/20/10
  // (Bogle-ish), taxable brokerage = 85/15 with no bond default
  // (typical taxable holdings tilt growth-heavy).
  const WRAPPER_DEFAULT_ALLOC = {
    traditional_ira:        { equity_us: 0.70, equity_intl: 0.20, bond: 0.10 },
    traditional_401k_tsp:   { equity_us: 0.70, equity_intl: 0.20, bond: 0.10 },
    roth_ira:               { equity_us: 0.70, equity_intl: 0.20, bond: 0.10 },
    roth_401k:              { equity_us: 0.70, equity_intl: 0.20, bond: 0.10 },
    taxable_brokerage:      { equity_us: 0.85, equity_intl: 0.15 },
    hsa:                    { cash: 1.00 },
    rsu_unvested:           { equity_us: 1.00 },
    nso_iso:                { equity_us: 1.00 },
    deferred_comp:          { equity_us: 1.00 },
    us_real_estate:         { real_estate: 1.00 },
    us_savings_bond:        { bond: 1.00 },
    us_treasury:            { bond: 1.00 },
    us_checking:            { cash: 1.00 },
    us_savings:             { cash: 1.00 },
    us_cd:                  { cash: 1.00 },
    jp_savings:             { cash: 1.00 },
    jp_checking:            { cash: 1.00 },
    jp_fixed_deposit:       { cash: 1.00 },
    '529':                  { equity_us: 0.85, bond: 0.15 },
    other:                  { cash: 1.00 },
  };

  function defaultAllocFor(wrapperId) {
    const src = WRAPPER_DEFAULT_ALLOC[wrapperId] || WRAPPER_DEFAULT_ALLOC.other;
    const out = {};
    for (const cls of ASSET_CLASSES) out[cls] = src[cls] || 0;
    return out;
  }

  // Normalize an allocation map to sum to 1.0 (or empty if all zero).
  // Tolerates missing classes, NaN, and values out of [0, 1].
  function normalizeAllocation(alloc) {
    const out = {};
    let sum = 0;
    for (const cls of ASSET_CLASSES) {
      const v = (alloc && Number(alloc[cls])) || 0;
      const safe = isFinite(v) && v > 0 ? v : 0;
      out[cls] = safe;
      sum += safe;
    }
    if (sum <= 0) return out;
    for (const cls of ASSET_CLASSES) out[cls] = out[cls] / sum;
    return out;
  }

  // Effective allocation for an account: explicit alloc if set, else
  // default for its wrapper. Always normalized.
  function effectiveAllocation(account) {
    const explicit = account && account.allocation;
    const hasAny = explicit && ASSET_CLASSES.some((c) => Number(explicit[c]) > 0);
    return normalizeAllocation(hasAny ? explicit : defaultAllocFor(account && account.tax_wrapper));
  }

  // Portfolio-level allocation: weighted by USD value of each account.
  // Returns { equity_us: 0.42, equity_intl: 0.18, bond: 0.20, ... }
  // summing to 1.0 (or all-zero if no balances).
  function portfolioAllocation() {
    const totals = {};
    for (const cls of ASSET_CLASSES) totals[cls] = 0;
    let sum = 0;
    for (const a of getActiveAccounts()) {
      const v = toUsd(a.balance_native, a.currency);
      if (!v || !isFinite(v) || v <= 0) continue;
      const alloc = effectiveAllocation(a);
      for (const cls of ASSET_CLASSES) totals[cls] += v * alloc[cls];
      sum += v;
    }
    if (sum <= 0) return totals;
    for (const cls of ASSET_CLASSES) totals[cls] = totals[cls] / sum;
    return totals;
  }

  const WRAPPER_RENDER_ORDER = [
    'traditional_ira', 'traditional_401k_tsp',
    'roth_ira', 'roth_401k',
    'taxable_brokerage', 'hsa',
    'rsu_unvested', 'nso_iso', 'deferred_comp',
    'us_real_estate',
    'us_savings_bond', 'us_treasury',
    'us_checking', 'us_savings', 'us_cd',
    'jp_savings', 'jp_checking', 'jp_fixed_deposit',
    '529', 'other',
  ];

  const CURRENCIES = ['USD', 'JPY', 'EUR', 'GBP', 'AUD', 'CAD', 'CHF', 'KRW', 'CNY', 'HKD', 'SGD'];

  // ====================================================================
  // FX conversion
  // ====================================================================
  //
  // v0.4 uses the hardcoded USDJPY rate from TB.utils.FX_FALLBACK.
  // Other non-USD currencies are treated as 1:1 placeholders until
  // a real FX table / live fetch is wired in (deferred to Phase 2).

  // Resolve a per-USD rate, preferring live Treasury rates when the
  // user has refreshed; falling back to the hardcoded perUsd table.
  function perUsdRate(currency) {
    if (!currency || currency === 'USD') return 1;
    const live = TB.state.get('settings.fx.current_rates') || {};
    if (live[currency] && live[currency] > 0) return live[currency];
    const fallback = (TB.utils.FX_FALLBACK && TB.utils.FX_FALLBACK.perUsd) || {};
    return fallback[currency] || 0;
  }

  function fxRate() { return perUsdRate('JPY') || 152; }

  // Convert `amount` in `currency` to USD using either live Treasury
  // rates (when refreshed) or the hardcoded perUsd table. Unknown
  // currencies fall back to 1:1 (treated as USD) with a console
  // warning so missing rates are visible during dev.
  function toUsd(amount, currency) {
    if (amount == null || !isFinite(amount)) return 0;
    if (!currency || currency === 'USD') return amount;
    const rate = perUsdRate(currency);
    if (rate && rate > 0) return amount / rate;
    if (!toUsd._warned) toUsd._warned = {};
    if (!toUsd._warned[currency]) {
      console.warn('[assets] no FX rate for', currency, '— treating as USD');
      toUsd._warned[currency] = true;
    }
    return amount;
  }

  // Whether the user has live Treasury rates loaded vs. hardcoded
  // fallbacks. Drives the "Live" / "Hardcoded" badge in the UI.
  function fxIsLive() {
    const r = TB.state.get('settings.fx.current_rates') || {};
    return Object.keys(r).length > 0;
  }

  function fmtNative(amount, currency) {
    if (amount == null || !isFinite(amount)) return '—';
    if (currency === 'JPY') return TB.utils.formatJPY(amount);
    if (currency === 'USD' || !currency) return TB.utils.formatUSD(amount);
    // Generic fallback — symbol + locale number.
    return new Intl.NumberFormat('en-US', { maximumFractionDigits: 2 }).format(amount) + ' ' + currency;
  }

  // ====================================================================
  // State accessors
  // ====================================================================

  function getAccounts()       { return TB.state.get('assets.accounts') || []; }
  function getActiveAccounts() { return getAccounts().filter((a) => a.active !== false); }
  function setAccounts(list)   { TB.state.set('assets.accounts', list); }
  function findById(aid)       { return getAccounts().find((a) => a.id === aid) || null; }

  function upsertAccount(record) {
    const list = getAccounts();
    const i = list.findIndex((a) => a.id === record.id);
    if (i >= 0) list[i] = record;
    else list.push(record);
    setAccounts(list);
  }

  function deleteAccount(aid) {
    setAccounts(getAccounts().filter((a) => a.id !== aid));
  }

  function setActive(aid, active) {
    const list = getAccounts();
    const acct = list.find((a) => a.id === aid);
    if (!acct) return;
    acct.active = active;
    setAccounts(list);
  }

  // ====================================================================
  // Aggregations
  // ====================================================================

  // SOFA Roth Planner consumes this rollup. Wrappers outside the
  // SOFA-relevant set (jp_*, 529, other) intentionally do not feed
  // these fields — they show up in this module's own summary instead.
  function aggregateForSofa() {
    const out = {
      traditional_ira_usd:          0,
      traditional_401k_tsp_usd:     0,
      roth_ira_usd:                 0,
      roth_401k_usd:                0,
      taxable_brokerage_value_usd:  0,
      taxable_brokerage_basis_usd:  0,
      rsu_unvested_value_usd:       0,
      nso_iso_unrealized_value_usd: 0,
      deferred_comp_usd:            0,
      us_real_estate_value_usd:     0,
      us_real_estate_basis_usd:     0,
      hsa_balance_usd:              0,
    };
    for (const a of getActiveAccounts()) {
      if (a.include_in_sofa === false) continue;
      const val = toUsd(a.balance_native, a.currency);
      const basis = a.basis_native != null ? toUsd(a.basis_native, a.currency) : 0;
      switch (a.tax_wrapper) {
        case 'traditional_ira':       out.traditional_ira_usd          += val; break;
        case 'traditional_401k_tsp':  out.traditional_401k_tsp_usd     += val; break;
        case 'roth_ira':              out.roth_ira_usd                 += val; break;
        case 'roth_401k':             out.roth_401k_usd                += val; break;
        case 'taxable_brokerage':
          out.taxable_brokerage_value_usd += val;
          out.taxable_brokerage_basis_usd += basis;
          break;
        case 'rsu_unvested':          out.rsu_unvested_value_usd       += val; break;
        case 'nso_iso':               out.nso_iso_unrealized_value_usd += val; break;
        case 'deferred_comp':         out.deferred_comp_usd            += val; break;
        case 'us_real_estate':
          out.us_real_estate_value_usd += val;
          out.us_real_estate_basis_usd += basis;
          break;
        case 'hsa':                   out.hsa_balance_usd              += val; break;
      }
    }
    return out;
  }

  function totalUsd() {
    return getActiveAccounts().reduce((s, a) => s + toUsd(a.balance_native, a.currency), 0);
  }

  // ====================================================================
  // FBAR ↔ Assets integration (Phase 4 audit follow-up)
  // ====================================================================
  //
  // FBAR accounts the user has uploaded are surfaced here as Assets
  // records so they flow through the projection engine + summary
  // rollup + Survivor Binder. We filter to ONLY accounts the user is
  // a filer on — children-only or spouse-only accounts are excluded.
  // Joint accounts (where the user is one of multiple filers) ARE
  // included, since the user has signature authority and beneficial
  // ownership.
  //
  // Sync strategy:
  //   • Already-linked accounts (have fbar_account_id) are silently
  //     refreshed on every Assets render — institution, currency,
  //     last4, balance, updated_at pulled from FBAR's source-of-truth.
  //   • Unlinked FBAR accounts surface as a banner ("N FBAR accounts
  //     not in your portfolio — Import"). User clicks Import to create
  //     Assets records with sensible wrapper defaults.
  //   • User-only fields (tax_wrapper, allocation, beneficiary,
  //     include_in_sofa, basis_native, close_date, transfer_to,
  //     account name) are NEVER overwritten by sync.

  function getSelfFiler() {
    const filers = TB.state.get('fbar.filers') || [];
    return filers.find((f) => f && f.relationship === 'self') || null;
  }

  function getFbarAccountsForUser() {
    const self = getSelfFiler();
    if (!self) return [];
    const all = TB.state.get('fbar.accounts') || [];
    return all.filter((a) =>
      Array.isArray(a.filer_ids) && a.filer_ids.indexOf(self.id) !== -1
    );
  }

  function getLatestFbarBalance(accountId) {
    const all = (TB.state.get('fbar.yearly_balances') || []).filter((b) => b.account_id === accountId);
    if (!all.length) return null;
    all.sort((a, b) => Number(b.year) - Number(a.year));
    return all[0];
  }

  // FBAR account_type ('bank' | 'securities' | 'other') + country →
  // the most-likely Assets tax_wrapper. User can override after import.
  function fbarToWrapper(fbarAcct) {
    const country = (fbarAcct.country || 'JP').toUpperCase();
    if (fbarAcct.account_type === 'bank') {
      if (country === 'JP') return 'jp_savings';
      if (country === 'US') return 'us_savings';
      return 'other';
    }
    if (fbarAcct.account_type === 'securities') {
      if (country === 'US') return 'taxable_brokerage';
      return 'other';   // JP-domiciled securities = PFIC, label as other
    }
    return 'other';
  }

  // Build the Assets-side payload from an FBAR account + its latest
  // yearly balance. Returns only the FBAR-sourced fields (institution,
  // country, currency, last4, balance, updated_at) plus a default
  // wrapper. User-only fields are intentionally absent.
  function fbarToAssetSync(fbarAcct, latestBalance) {
    const last4 = fbarAcct.account_number_masked
      ? String(fbarAcct.account_number_masked).replace(/[^0-9]/g, '').slice(-4) || null
      : null;
    return {
      institution: fbarAcct.institution_name || '',
      country: (fbarAcct.country || 'JP').toUpperCase(),
      currency: fbarAcct.currency || 'JPY',
      account_number_last4: last4,
      balance_native: latestBalance && isFinite(latestBalance.max_balance_native)
        ? latestBalance.max_balance_native : null,
      updated_at: latestBalance && latestBalance.max_balance_date
        ? latestBalance.max_balance_date
        : new Date().toISOString().slice(0, 10),
    };
  }

  // Refresh FBAR-sourced fields on every Assets account that has an
  // fbar_account_id. Returns the number of accounts updated. Quiet —
  // no toast, no UI change unless balances actually moved.
  function refreshLinkedFromFbar() {
    const accts = TB.state.get('assets.accounts') || [];
    const fbarById = {};
    for (const fa of getFbarAccountsForUser()) fbarById[fa.id] = fa;
    let updated = 0;
    for (const a of accts) {
      if (!a.fbar_account_id) continue;
      const fa = fbarById[a.fbar_account_id];
      if (!fa) continue;
      const latest = getLatestFbarBalance(fa.id);
      const sync = fbarToAssetSync(fa, latest);
      let changed = false;
      for (const k of Object.keys(sync)) {
        if (a[k] !== sync[k]) { a[k] = sync[k]; changed = true; }
      }
      if (changed) updated++;
    }
    if (updated > 0) TB.state.set('assets.accounts', accts);
    return updated;
  }

  // Returns FBAR accounts that don't yet have a corresponding Assets
  // record. Used to drive the "import" banner.
  function unlinkedFbarAccounts() {
    const linked = new Set();
    for (const a of (TB.state.get('assets.accounts') || [])) {
      if (a.fbar_account_id) linked.add(a.fbar_account_id);
    }
    return getFbarAccountsForUser().filter((fa) => !linked.has(fa.id));
  }

  // Bulk import unlinked FBAR accounts into Assets. Each new record
  // gets a sensible wrapper default + allocation default; user can
  // edit afterward. Returns the count created.
  function importFromFbar() {
    const unlinked = unlinkedFbarAccounts();
    if (unlinked.length === 0) return 0;
    const accts = TB.state.get('assets.accounts') || [];
    for (const fa of unlinked) {
      const latest = getLatestFbarBalance(fa.id);
      const sync = fbarToAssetSync(fa, latest);
      const wrapper = fbarToWrapper(fa);
      const allocation = defaultAllocFor(wrapper);
      const newAcct = Object.assign({
        id: TB.utils.uuid(),
        fbar_account_id: fa.id,
        name: sync.institution, // best default — user can rename
        tax_wrapper: wrapper,
        basis_native: null,
        beneficiary: null,
        notes: 'Imported from FBAR ' + new Date().toISOString().slice(0, 10) + '. ' + (fa.notes || ''),
        active: true,
        include_in_sofa: true,
        close_date: null,
        transfer_to: null,
        allocation,
      }, sync);
      accts.push(newAcct);
    }
    TB.state.set('assets.accounts', accts);
    return unlinked.length;
  }

  // Per-wrapper drill-down. Returns active accounts in the wrapper,
  // sorted by USD balance descending. Used by SOFA Accounts tab to
  // show "Traditional IRA $511K" → which institutions contribute.
  // Includes balance_usd (computed) so the caller doesn't need toUsd.
  function getAccountsForWrapper(wrapperId) {
    if (!wrapperId) return [];
    const out = [];
    for (const a of getActiveAccounts()) {
      if (a.tax_wrapper !== wrapperId) continue;
      if (a.include_in_sofa === false) continue;
      out.push(Object.assign({}, a, {
        balance_usd: toUsd(a.balance_native, a.currency),
      }));
    }
    out.sort((x, y) => (y.balance_usd || 0) - (x.balance_usd || 0));
    return out;
  }

  function totalUsdByCountry() {
    const out = { US: 0, JP: 0, OTHER: 0 };
    for (const a of getActiveAccounts()) {
      const c = a.country || 'OTHER';
      out[c] = (out[c] || 0) + toUsd(a.balance_native, a.currency);
    }
    return out;
  }

  function totalUsdByWrapper() {
    const out = {};
    for (const a of getActiveAccounts()) {
      const w = a.tax_wrapper || 'other';
      out[w] = (out[w] || 0) + toUsd(a.balance_native, a.currency);
    }
    return out;
  }

  // ====================================================================
  // Staleness
  // ====================================================================

  // ====================================================================
  // Lifecycle countdown
  // ====================================================================

  // Translate close_date into the right i18n badge key + variables.
  // Returns null when there's no close_date set (caller hides the badge).
  function lifecycleBadge(closeIso) {
    if (!closeIso) return null;
    const close = new Date(closeIso + 'T00:00:00');
    if (isNaN(close.getTime())) return null;
    const today = new Date();
    today.setHours(0, 0, 0, 0);
    const ms = close - today;
    const days = Math.round(ms / (1000 * 60 * 60 * 24));
    if (days < 0)  return { key: 'assets.lifecycle.past',   vars: { date: closeIso }, severity: 'past' };
    if (days === 0) return { key: 'assets.lifecycle.today',  vars: { date: closeIso }, severity: 'today' };
    if (days <= 14) return { key: 'assets.lifecycle.soon',   vars: { date: closeIso, days }, severity: 'soon' };
    return { key: 'assets.lifecycle.future', vars: { date: closeIso, days }, severity: 'future' };
  }

  function staleness(updatedIso) {
    if (!updatedIso) return { state: 'never', label_key: 'assets.stale.never', vars: null };
    const updated = new Date(updatedIso);
    if (isNaN(updated.getTime())) return { state: 'never', label_key: 'assets.stale.never', vars: null };
    const now = new Date();
    const days = Math.floor((now - updated) / (1000 * 60 * 60 * 24));
    if (days <= 0) return { state: 'fresh', label_key: 'assets.stale.fresh', vars: null };
    if (days < 30 * 4) return { state: 'recent', label_key: 'assets.stale.recent', vars: { days } };
    const months = Math.floor(days / 30);
    return { state: 'stale', label_key: 'assets.stale.warn', vars: { months } };
  }

  // ====================================================================
  // Module-level UI state (resets on render — fine for tab-style)
  // ====================================================================

  let host = null;
  let groupBy = 'institution'; // 'institution' | 'wrapper' | 'country'
  let showArchived = false;

  // ====================================================================
  // RENDER
  // ====================================================================

  function render(container) {
    host = container;
    container.innerHTML = '';

    // Auto-refresh FBAR-linked balances on every render (silent) so
    // the user always sees the latest balance from FBAR without
    // having to click a button. Quiet — only updates state if values
    // actually changed.
    refreshLinkedFromFbar();

    container.appendChild(buildHeaderCard());
    // Banner offering to import FBAR accounts the user has uploaded
    // but hasn't yet brought into Assets. Hidden when nothing to import.
    const fbarBanner = buildFbarImportBanner();
    if (fbarBanner) container.appendChild(fbarBanner);
    container.appendChild(buildSummaryCard());
    // Three new review cards (v0.35). Each silently hides itself when
    // there's nothing meaningful to show — keeps the page short for new
    // users while surfacing real review work for established users.
    const benCard = buildBeneficiaryReviewCard();
    if (benCard) container.appendChild(benCard);
    const yoyCard = buildYoYChangeCard();
    if (yoyCard) container.appendChild(yoyCard);
    const tlhCard = buildTaxLossHarvestCard();
    if (tlhCard) container.appendChild(tlhCard);
    container.appendChild(buildToolbar());
    container.appendChild(buildAccountsList());
  }

  // FBAR import banner — displayed at the top of Assets when there
  // are FBAR accounts (in the user's name) not yet represented in
  // Assets. Click "Import" → bulk-creates Assets records linked to
  // those FBAR accounts. Per the user's intent: spouse-only and
  // children-only FBAR accounts are excluded by getFbarAccountsForUser.
  function buildFbarImportBanner() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const unlinked = unlinkedFbarAccounts();
    if (unlinked.length === 0) return null;

    const list = unlinked.slice(0, 5).map((fa) =>
      (fa.institution_name || '(unnamed)') +
      (fa.account_number_masked ? ' (••••' + String(fa.account_number_masked).slice(-4) + ')' : '')
    ).join(', ');
    const moreCount = unlinked.length > 5 ? unlinked.length - 5 : 0;

    return el('div', {
      class: 'tb-card',
      'data-track': 'core',
      style: {
        borderLeft: '4px solid var(--tb-navy)',
        background: 'var(--tb-bg-elev)',
        marginBottom: 'var(--tb-sp-3)',
      },
    },
      el('div', { style: { fontWeight: '600', marginBottom: 'var(--tb-sp-1)' } },
        '🔗 ' + t('assets.fbar.banner.title', { count: unlinked.length })),
      el('p', { class: 'tb-field-help', style: { margin: '0 0 var(--tb-sp-2)' } },
        t('assets.fbar.banner.help')),
      el('p', { style: { margin: '0 0 var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)', fontFamily: 'var(--tb-font-mono)' } },
        list + (moreCount > 0 ? ' …+' + moreCount + ' ' + t('assets.fbar.banner.more') : '')),
      el('div', { class: 'tb-btn-row', style: { margin: 0 } },
        el('button', {
          class: 'tb-btn',
          type: 'button',
          onclick: () => {
            const n = importFromFbar();
            if (n > 0) {
              alert(t('assets.fbar.banner.imported', { count: n }));
              rerender();
            }
          },
        }, '🔗 ' + t('assets.fbar.banner.import')),
        el('button', {
          class: 'tb-btn tb-btn--ghost',
          type: 'button',
          onclick: () => document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'fbar' } })),
        }, t('assets.fbar.banner.openFbar')),
      ),
    );
  }

  function rerender() { if (host) render(host); }

  // ----- Header --------------------------------------------------------

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    return el('div', { class: 'tb-card', 'data-track': 'core' },
      el('div', { class: 'tb-card-meta' },
        el('span', { class: 'tb-badge tb-badge--track', 'data-track': 'core' }, t('nav.profile')),
      ),
      el('h1', null, t('assets.title')),
      el('p', { class: 'tb-card-meta', style: { lineHeight: 'var(--tb-lh-body)' } },
        t('assets.subtitle')),
    );
  }

  // ----- Summary -------------------------------------------------------

  function buildSummaryCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const accounts = getActiveAccounts();

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(el('h2', null, t('assets.summary.total')));

    if (accounts.length === 0) {
      card.appendChild(el('p', { class: 'tb-card-meta' }, t('assets.summary.none')));
      return card;
    }

    const usd = totalUsd();
    const jpy = usd * fxRate();

    // Top row: USD total + JPY equivalent
    const topRow = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(200px, 1fr))', gap: 'var(--tb-sp-4)', marginBottom: 'var(--tb-sp-4)' },
    },
      stat(t('assets.summary.usd'), TB.utils.formatUSD(usd, { maximumFractionDigits: 0 })),
      stat(t('assets.summary.jpy'), TB.utils.formatJPY(jpy)),
    );
    card.appendChild(topRow);

    // By-country row
    const byCountry = totalUsdByCountry();
    if ((byCountry.US || 0) + (byCountry.JP || 0) + (byCountry.OTHER || 0) > 0) {
      card.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-3)', marginBottom: 'var(--tb-sp-2)' } },
        lang === 'ja' ? '国別' : 'By country'));
      const cRow = el('div', {
        style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(160px, 1fr))', gap: 'var(--tb-sp-3)' },
      });
      if (byCountry.US)    cRow.appendChild(stat(t('assets.summary.us'),    TB.utils.formatUSD(byCountry.US,    { maximumFractionDigits: 0 })));
      if (byCountry.JP)    cRow.appendChild(stat(t('assets.summary.jp'),    TB.utils.formatUSD(byCountry.JP,    { maximumFractionDigits: 0 })));
      if (byCountry.OTHER) cRow.appendChild(stat(lang === 'ja' ? 'その他' : 'Other', TB.utils.formatUSD(byCountry.OTHER, { maximumFractionDigits: 0 })));
      card.appendChild(cRow);
    }

    // By-wrapper rollup (only wrappers that have non-zero balances)
    const byW = totalUsdByWrapper();
    const wrapperOrder = WRAPPER_RENDER_ORDER.filter((w) => (byW[w] || 0) > 0);
    if (wrapperOrder.length > 0) {
      card.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-4)', marginBottom: 'var(--tb-sp-2)' } },
        t('assets.summary.bywrapper')));
      const wRow = el('div', {
        style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(200px, 1fr))', gap: 'var(--tb-sp-2)' },
      });
      for (const wid of wrapperOrder) {
        const wMeta = WRAPPER_BY_ID[wid];
        const pct = usd > 0 ? (byW[wid] / usd) * 100 : 0;
        wRow.appendChild(el('div', {
          style: {
            padding: 'var(--tb-sp-2) var(--tb-sp-3)',
            borderLeft: '3px solid ' + (wMeta ? wMeta.color : 'var(--tb-border)'),
            background: 'var(--tb-bg)',
            borderRadius: 'var(--tb-radius-1)',
            fontSize: 'var(--tb-fs-14)',
          },
        },
          el('div', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)' } },
            t('assets.wrapper.' + wid)),
          el('div', { style: { fontWeight: '600', fontFamily: 'var(--tb-font-mono)' } },
            TB.utils.formatUSD(byW[wid], { maximumFractionDigits: 0 })),
          el('div', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)' } },
            pct.toFixed(1) + '%'),
        ));
      }
      card.appendChild(wRow);
    }

    // ---- Asset allocation rollup ---------------------------------
    // Horizontal segmented bar showing portfolio-level allocation
    // weighted by USD value. Segments collapse to nothing when their
    // class has 0% (so all-cash portfolios just show one slate bar).
    // Drift vs. target appears below when a target is set.
    const portAlloc = portfolioAllocation();
    const target = TB.state.get('assets.target_allocation') || null;
    const hasAllocData = ASSET_CLASSES.some((c) => portAlloc[c] > 0.001);

    if (hasAllocData) {
      const allocCard = el('div', { style: { marginTop: 'var(--tb-sp-3)' } });
      allocCard.appendChild(el('div', {
        style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)', marginBottom: 'var(--tb-sp-1)' },
      }, t('assets.alloc.portfolio.title')));

      // Segmented bar.
      const bar = el('div', {
        style: {
          display: 'flex', height: '14px', borderRadius: 'var(--tb-radius-pill)',
          overflow: 'hidden', border: '1px solid var(--tb-border)',
        },
      });
      for (const cls of ASSET_CLASSES) {
        const pct = portAlloc[cls];
        if (pct < 0.001) continue;
        bar.appendChild(el('div', {
          style: {
            flexBasis: (pct * 100).toFixed(2) + '%',
            background: ASSET_CLASS_COLOR[cls],
          },
          title: t('assets.alloc.' + cls) + ': ' + (pct * 100).toFixed(1) + '%',
        }));
      }
      allocCard.appendChild(bar);

      // Legend with current % and (if target set) drift delta.
      const legend = el('div', {
        style: {
          display: 'grid',
          gridTemplateColumns: 'repeat(auto-fit, minmax(150px, 1fr))',
          gap: 'var(--tb-sp-2)',
          marginTop: 'var(--tb-sp-2)',
          fontSize: 'var(--tb-fs-12)',
        },
      });
      for (const cls of ASSET_CLASSES) {
        const pct = portAlloc[cls];
        if (pct < 0.001 && (!target || (target[cls] || 0) < 0.001)) continue;
        const tgtPct = target ? (target[cls] || 0) : null;
        const delta = (tgtPct != null) ? (pct - tgtPct) : null;
        let driftStr = '';
        let driftColor = 'var(--tb-text-soft)';
        if (delta != null) {
          const absDelta = Math.abs(delta * 100);
          if (absDelta >= 5) driftColor = 'var(--tb-warn)';
          if (absDelta >= 10) driftColor = 'var(--tb-error)';
          driftStr = (delta >= 0 ? '+' : '') + (delta * 100).toFixed(1) + '%';
        }
        legend.appendChild(el('div', { style: { display: 'flex', alignItems: 'center', gap: '6px' } },
          el('span', { style: {
            width: '10px', height: '10px', borderRadius: '50%',
            background: ASSET_CLASS_COLOR[cls], flexShrink: '0',
          } }),
          el('span', { style: { flex: '1', color: 'var(--tb-text)' } },
            t('assets.alloc.' + cls)),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600' } },
            (pct * 100).toFixed(1) + '%'),
          delta != null ? el('span', {
            style: { color: driftColor, fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)' },
            title: t('assets.alloc.drift.tip', { target: (tgtPct * 100).toFixed(1) }),
          }, '(' + driftStr + ')') : null,
        ));
      }
      allocCard.appendChild(legend);

      if (target) {
        // Show overall drift score (sum of |actual - target|/2 across all classes).
        let totalDrift = 0;
        for (const cls of ASSET_CLASSES) totalDrift += Math.abs((portAlloc[cls] || 0) - (target[cls] || 0));
        totalDrift = totalDrift / 2; // L1/2 = "% of portfolio in wrong place"
        const driftPct = (totalDrift * 100).toFixed(1);
        const sevColor = totalDrift >= 0.10 ? 'var(--tb-error)'
                       : totalDrift >= 0.05 ? 'var(--tb-warn)' : 'var(--tb-success)';
        allocCard.appendChild(el('div', {
          style: { marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)', color: sevColor },
        }, t('assets.alloc.drift.summary', { pct: driftPct })));
      } else {
        // Affordance to set target.
        allocCard.appendChild(el('div', {
          style: { marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' },
        }, t('assets.alloc.notarget')));
      }

      card.appendChild(allocCard);
    }

    // FX status row — live timestamp + refresh button.
    const fxStatus = el('div', {
      style: {
        marginTop: 'var(--tb-sp-3)',
        display: 'flex', flexWrap: 'wrap', alignItems: 'center',
        gap: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)',
      },
    });

    const live = fxIsLive();
    const asOf = TB.state.get('settings.fx.current_as_of');
    const fetchedAt = TB.state.get('settings.fx.current_fetched_at');
    const lastErr = TB.state.get('settings.fx.current_fetch_error');

    fxStatus.appendChild(el('span', null,
      '$1 = ¥' + fxRate().toFixed(2) +
      '  ·  ' + (live
        ? t('assets.fx.live', { asOf: asOf || '—' })
        : t('assets.fx.hardcoded'))));

    const refreshBtn = el('button', {
      class: 'tb-btn tb-btn--ghost',
      type: 'button',
      style: { padding: '2px 10px', fontSize: 'var(--tb-fs-12)' },
      onclick: async (e) => {
        const btn = e.currentTarget;
        btn.disabled = true;
        btn.textContent = t('assets.fx.refreshing');
        try {
          await TB.utils.refreshCurrentFx();
          rerender();
        } catch (err) {
          btn.disabled = false;
          btn.textContent = t('assets.fx.refresh');
          alert(t('assets.fx.error', { message: (err && err.message) || String(err) }));
        }
      },
    }, t('assets.fx.refresh'));
    fxStatus.appendChild(refreshBtn);

    if (lastErr) {
      fxStatus.appendChild(el('span', { style: { color: 'var(--tb-warn)' } },
        '⚠ ' + lastErr));
    }
    if (fetchedAt) {
      fxStatus.appendChild(el('span', null,
        t('assets.fx.fetchedAt', { when: new Date(fetchedAt).toLocaleString() })));
    }
    card.appendChild(fxStatus);

    card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
      t('assets.summary.fxnote')));

    return card;
  }

  function stat(label, value) {
    const el = TB.utils.el;
    return el('div', {
      style: {
        background: 'var(--tb-bg)',
        padding: 'var(--tb-sp-3) var(--tb-sp-4)',
        borderRadius: 'var(--tb-radius-2)',
        border: '1px solid var(--tb-border)',
      },
    },
      el('div', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)', marginBottom: '2px' } }, label),
      el('div', { style: { fontWeight: '700', fontSize: 'var(--tb-fs-22)', fontFamily: 'var(--tb-font-mono)' } }, value),
    );
  }

  // ----- Toolbar -------------------------------------------------------

  function buildToolbar() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const groupSelect = el('select', {
      class: 'tb-select',
      style: { maxWidth: '260px' },
      onchange: (e) => { groupBy = e.target.value; rerender(); },
    },
      el('option', { value: 'institution' }, t('assets.group.byinst')),
      el('option', { value: 'wrapper' },     t('assets.group.bywrapper')),
      el('option', { value: 'country' },     t('assets.group.bycountry')),
    );
    // Set selected
    Array.from(groupSelect.options).forEach((o) => { o.selected = o.value === groupBy; });

    const archivedToggle = el('button', {
      class: 'tb-btn tb-btn--ghost',
      type: 'button',
      onclick: () => { showArchived = !showArchived; rerender(); },
    }, showArchived ? t('assets.hide.archived') : t('assets.show.archived'));

    const addBtn = el('button', {
      class: 'tb-btn',
      type: 'button',
      onclick: () => openEditModal(null),
    }, '+ ' + t('assets.add'));

    const sofaBtn = el('button', {
      class: 'tb-btn tb-btn--secondary',
      type: 'button',
      onclick: () => document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'sofa-roth' } })),
    }, t('assets.gotosofa') + ' →');

    const binderBtn = el('button', {
      class: 'tb-btn tb-btn--secondary',
      type: 'button',
      onclick: () => openSurvivorBinder(),
    }, t('assets.binder.print'));

    const targetBtn = el('button', {
      class: 'tb-btn tb-btn--ghost',
      type: 'button',
      onclick: () => openTargetAllocationModal(),
    }, t('assets.alloc.target.button'));

    const snapshotBtn = el('button', {
      class: 'tb-btn tb-btn--ghost',
      type: 'button',
      onclick: () => openSnapshotsModal(),
    }, t('assets.snapshot.button'));

    return el('div', {
      style: {
        display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-2)',
        alignItems: 'center', justifyContent: 'space-between',
        marginBottom: 'var(--tb-sp-3)',
      },
    },
      el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)', flexWrap: 'wrap', alignItems: 'center' } },
        groupSelect,
        archivedToggle,
      ),
      el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)', flexWrap: 'wrap' } },
        snapshotBtn,
        targetBtn,
        binderBtn,
        sofaBtn,
        addBtn,
      ),
    );
  }

  // ====================================================================
  // Year-over-year balance snapshots (Phase 5)
  // ====================================================================
  //
  // A snapshot is a frozen-in-time copy of every active account's
  // balance + USD-equivalent + allocation rollup. Stored under
  // state.assets.snapshots[]. Useful for tracking growth over time
  // and as a backup before bulk re-uploads.
  //
  // Manual trigger only in v1 (Take snapshot button). v2 may add an
  // auto-prompt when the calendar year changes.

  function takeSnapshot(label) {
    const accounts = getActiveAccounts();
    const today = new Date().toISOString();
    const total_usd = totalUsd();
    // FX rate at snapshot time, captured so historical JPY chart uses
    // the rate of that moment (more meaningful than re-converting at
    // current rate). 1 USD = ? JPY.
    const oneUsdInJpy = 1 / toUsd(1, 'JPY');
    const snap = {
      id: TB.utils.uuid(),
      taken_at: today,
      label: label || today.slice(0, 10),
      total_usd,
      total_jpy: Math.round(total_usd * oneUsdInJpy),
      fx_rate_used: oneUsdInJpy,            // JPY per 1 USD
      allocation: portfolioAllocation(),
      accounts: accounts.map((a) => ({
        account_id: a.id,
        institution: a.institution || '',
        name: a.name || '',
        country: a.country || null,
        tax_wrapper: a.tax_wrapper || 'other',
        currency: a.currency || 'USD',
        balance_native: a.balance_native,
        balance_usd: toUsd(a.balance_native, a.currency),
        allocation: effectiveAllocation(a),
      })),
    };
    const list = (TB.state.get('assets.snapshots') || []).slice();
    list.push(snap);
    // Keep newest first when displaying, but store insertion order.
    TB.state.set('assets.snapshots', list);
    return snap;
  }

  function deleteSnapshot(snapshotId) {
    const list = (TB.state.get('assets.snapshots') || []).filter((s) => s.id !== snapshotId);
    TB.state.set('assets.snapshots', list);
  }

  function openSnapshotsModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');

    function render() {
      const snaps = (TB.state.get('assets.snapshots') || []).slice().reverse();
      const backdrop = el('div', { class: 'tb-modal-backdrop' });
      const modal = el('div', { class: 'tb-modal', style: { maxWidth: '720px' } });
      backdrop.appendChild(modal);
      function close() { root.innerHTML = ''; }
      backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

      modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('assets.snapshot.title')));
      modal.appendChild(el('p', { class: 'tb-field-help' }, t('assets.snapshot.help')));

      // Take-snapshot row.
      const labelInput = el('input', {
        type: 'text', class: 'tb-input',
        placeholder: t('assets.snapshot.label.placeholder'),
        style: { flex: '1' },
      });
      modal.appendChild(el('div', {
        style: { display: 'flex', gap: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-4)' },
      },
        labelInput,
        el('button', {
          class: 'tb-btn', type: 'button',
          onclick: () => {
            takeSnapshot(labelInput.value.trim());
            root.innerHTML = '';
            render();
            rerender();
          },
        }, t('assets.snapshot.take')),
      ));

      if (snaps.length === 0) {
        modal.appendChild(el('p', { class: 'tb-field-help' }, t('assets.snapshot.empty')));
      } else {
        // History table.
        const table = el('table', {
          style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-14)' },
        });
        const thead = el('thead', null,
          el('tr', null,
            el('th', { style: { textAlign: 'left',  padding: '4px 8px', borderBottom: '1px solid var(--tb-border)' } }, t('assets.snapshot.col.date')),
            el('th', { style: { textAlign: 'left',  padding: '4px 8px', borderBottom: '1px solid var(--tb-border)' } }, t('assets.snapshot.col.label')),
            el('th', { style: { textAlign: 'right', padding: '4px 8px', borderBottom: '1px solid var(--tb-border)' } }, t('assets.snapshot.col.total')),
            el('th', { style: { textAlign: 'right', padding: '4px 8px', borderBottom: '1px solid var(--tb-border)' } }, t('assets.snapshot.col.delta')),
            el('th', { style: { textAlign: 'right', padding: '4px 8px', borderBottom: '1px solid var(--tb-border)' } }, ''),
          ),
        );
        table.appendChild(thead);
        const tbody = el('tbody');
        // Snaps are reversed (newest first); for delta vs. previous snapshot
        // we need the snapshot taken BEFORE this one (older → larger original index).
        for (let i = 0; i < snaps.length; i++) {
          const s = snaps[i];
          const prev = snaps[i + 1]; // older one
          let deltaCell = '—';
          let deltaColor = 'var(--tb-text-soft)';
          if (prev && prev.total_usd) {
            const delta = s.total_usd - prev.total_usd;
            const pct = (delta / prev.total_usd) * 100;
            const sign = delta >= 0 ? '+' : '';
            deltaCell = sign + TB.utils.formatUSD(delta, { maximumFractionDigits: 0 }) + ' (' + sign + pct.toFixed(1) + '%)';
            deltaColor = delta >= 0 ? 'var(--tb-success)' : 'var(--tb-error)';
          }
          tbody.appendChild(el('tr', null,
            el('td', { style: { padding: '4px 8px', borderBottom: '1px dashed var(--tb-border)', fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)' } },
              s.taken_at.slice(0, 10)),
            el('td', { style: { padding: '4px 8px', borderBottom: '1px dashed var(--tb-border)' } },
              s.label || '—'),
            el('td', { style: { padding: '4px 8px', borderBottom: '1px dashed var(--tb-border)', textAlign: 'right', fontFamily: 'var(--tb-font-mono)', fontWeight: '600' } },
              TB.utils.formatUSD(s.total_usd, { maximumFractionDigits: 0 })),
            el('td', { style: { padding: '4px 8px', borderBottom: '1px dashed var(--tb-border)', textAlign: 'right', fontFamily: 'var(--tb-font-mono)', color: deltaColor } },
              deltaCell),
            el('td', { style: { padding: '4px 8px', borderBottom: '1px dashed var(--tb-border)', textAlign: 'right' } },
              el('button', {
                class: 'tb-btn tb-btn--ghost',
                type: 'button',
                style: { padding: '2px 8px', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-error)' },
                onclick: () => {
                  if (confirm(t('assets.snapshot.confirmDelete'))) {
                    deleteSnapshot(s.id);
                    root.innerHTML = '';
                    render();
                    rerender();
                  }
                },
              }, '🗑'),
            ),
          ));
        }
        table.appendChild(tbody);
        modal.appendChild(table);
      }

      modal.appendChild(el('div', {
        style: { display: 'flex', justifyContent: 'flex-end', marginTop: 'var(--tb-sp-4)' },
      },
        el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('assets.modal.close')),
      ));

      root.innerHTML = '';
      root.appendChild(backdrop);
    }

    render();
  }

  // ====================================================================
  // Asset deepening — analytical helpers (v0.35)
  // ====================================================================
  //
  // Powers the three new review cards on the Assets page:
  //   • Beneficiary review     — accounts missing POD/TOD designations
  //   • Year-over-year change  — large balance moves since last 12mo snapshot
  //   • Tax-loss harvesting    — US positions with unrealized loss > $500
  //
  // Plus exposes computeUnrealizedGain() and unrealizedGainSummary()
  // so the Net Worth, Projections, and Tax Coordinator modules can read
  // the same numbers without duplicating logic.

  // Unrealized gain in native currency. Returns null when either field
  // is missing — callers render "—" rather than treating null as zero.
  function computeUnrealizedGain(acct) {
    if (!acct) return null;
    if (acct.basis_native == null || acct.balance_native == null) return null;
    return acct.balance_native - acct.basis_native;
  }

  // Summary: totals across all active accounts.
  //   total_basis_usd  : sum of cost basis (USD, where available)
  //   total_value_usd  : sum of current balances (USD, where basis is set)
  //   gain_usd         : value - basis
  //   gain_pct         : gain / basis (when basis > 0)
  //   coverage_pct     : fraction of active-account dollars with basis set
  // Coverage matters because a low number means the gain figure is
  // unrepresentative.
  function unrealizedGainSummary() {
    const accts = getActiveAccounts();
    let basisUsd = 0, valueUsd = 0, allValueUsd = 0;
    let covered = 0;
    for (const a of accts) {
      const v = toUsd(a.balance_native, a.currency);
      if (v != null) allValueUsd += v;
      if (a.basis_native != null && a.balance_native != null) {
        const b = toUsd(a.basis_native, a.currency);
        if (b != null) {
          basisUsd += b;
          valueUsd += v || 0;
          covered++;
        }
      }
    }
    const gain = valueUsd - basisUsd;
    return {
      total_basis_usd: basisUsd,
      total_value_usd: valueUsd,
      gain_usd: gain,
      gain_pct: basisUsd > 0 ? (gain / basisUsd) * 100 : null,
      coverage_count: covered,
      coverage_total: accts.length,
      coverage_pct: allValueUsd > 0 ? (valueUsd / allValueUsd) * 100 : 0,
    };
  }

  // Accounts where a beneficiary designation IS appropriate but missing.
  // Skips JP-savings / JP-checking / cash wrappers since those pass via
  // 法定相続人 to the spouse/kids by default — POD/TOD doesn't apply.
  function accountsMissingBeneficiary() {
    const skipWrappers = new Set(['jp_savings', 'jp_checking', 'jp_fixed_deposit', 'cash', 'crypto']);
    return getActiveAccounts().filter((a) => {
      if (a.beneficiary && String(a.beneficiary).trim().length > 0) return false;
      if (skipWrappers.has(a.tax_wrapper)) return false;
      return true;
    });
  }

  // Tax-loss harvesting scan — surfaces US accounts with unrealized
  // loss above the noise threshold. JP accounts are excluded because
  // PFIC treatment + JP capital-gains treatment make the harvesting
  // math non-portable; we don't want to suggest selling 投資信託 to
  // "harvest" a loss that doesn't behave like a US capital loss.
  function scanTaxLossHarvest(opts) {
    opts = opts || {};
    const minLossUsd = opts.minLossUsd || 500;
    const out = [];
    for (const a of getActiveAccounts()) {
      const gain = computeUnrealizedGain(a);
      if (gain == null || gain >= 0) continue;
      if (a.country !== 'US') continue;
      // Tax-deferred wrappers don't realize gains until withdrawal —
      // harvesting inside them is meaningless.
      const SHELTERED = new Set(['ira_traditional', 'ira_roth', 'k401_traditional', 'k401_roth', 'hsa', 'fsa', '529', 'sep_ira', 'simple_ira']);
      if (SHELTERED.has(a.tax_wrapper)) continue;
      const lossUsd = Math.abs(toUsd(gain, a.currency) || 0);
      if (lossUsd < minLossUsd) continue;
      out.push({
        account: a,
        loss_native: gain,
        loss_usd: lossUsd,
        basis_usd: toUsd(a.basis_native, a.currency),
        value_usd: toUsd(a.balance_native, a.currency),
      });
    }
    out.sort((x, y) => y.loss_usd - x.loss_usd);
    return out;
  }

  // Year-over-year change per account. Walks snapshots to find the
  // closest one ~365 days ago, then diffs per-account USD balances.
  // Returns sorted by absolute % change so the biggest movers are first.
  // pctThreshold (default 25) is what the UI uses to highlight "big" moves.
  function yoyChangePerAccount() {
    const snapshots = (TB.state.get('assets.snapshots') || []).slice();
    if (snapshots.length === 0) return [];
    const today = new Date();
    const targetMs = today.getTime() - 365 * 24 * 3600 * 1000;
    // Pick the snapshot closest to 1y ago that is at LEAST 60 days old
    // (so we don't compare to a snapshot taken yesterday and call it YoY).
    const candidates = snapshots
      .map((s) => ({ snap: s, takenMs: new Date(s.taken_at).getTime() }))
      .filter((c) => today.getTime() - c.takenMs >= 60 * 24 * 3600 * 1000)
      .map((c) => Object.assign({ diff: Math.abs(c.takenMs - targetMs) }, c))
      .sort((a, b) => a.diff - b.diff);
    const ref = candidates[0] ? candidates[0].snap : null;
    if (!ref) return [];

    const refByAccount = {};
    for (const r of (ref.accounts || [])) {
      refByAccount[r.account_id] = r;
    }
    const out = [];
    for (const a of getActiveAccounts()) {
      const r = refByAccount[a.id];
      if (!r) continue;
      const fromUsd = Number(r.balance_usd) || 0;
      const toUsdVal = toUsd(a.balance_native, a.currency);
      if (toUsdVal == null) continue;
      const deltaUsd = toUsdVal - fromUsd;
      const pct = fromUsd > 0 ? (deltaUsd / fromUsd) * 100 : null;
      out.push({
        account: a,
        from_usd: fromUsd,
        to_usd: toUsdVal,
        delta_usd: deltaUsd,
        pct_change: pct,
        ref_date: ref.taken_at,
        ref_label: ref.label,
      });
    }
    out.sort((x, y) => {
      const ax = x.pct_change == null ? -Infinity : Math.abs(x.pct_change);
      const ay = y.pct_change == null ? -Infinity : Math.abs(y.pct_change);
      return ay - ax;
    });
    return out;
  }

  function fmtUsdShort(usd) {
    if (usd == null || !isFinite(usd)) return '—';
    const sign = usd < 0 ? '-' : '';
    const abs = Math.abs(usd);
    if (abs >= 1_000_000) return sign + '$' + (abs / 1_000_000).toFixed(2) + 'M';
    if (abs >= 1_000)     return sign + '$' + (abs / 1_000).toFixed(1) + 'K';
    return sign + '$' + Math.round(abs).toLocaleString();
  }

  // ====================================================================
  // Target allocation modal (Phase 5)
  // ====================================================================
  //
  // Lightweight modal: 6 % inputs + Suggest (60/30/10) preset + Clear.
  // Persists to state.assets.target_allocation. Drift is computed in
  // the summary-card legend (above) once a target is set.

  function openTargetAllocationModal() {
    const el = TB.utils.el;
    const root = document.getElementById('tb-modal-root');
    const t = TB.i18n.t;

    const current = TB.state.get('assets.target_allocation') || null;
    const draft = current
      ? Object.assign({}, current)
      : { equity_us: 0.6, equity_intl: 0.2, bond: 0.15, cash: 0.05, real_estate: 0, alternative: 0 };

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('assets.alloc.target.title')));
    modal.appendChild(el('p', { class: 'tb-field-help' }, t('assets.alloc.target.help')));

    const inputs = {};
    const sumLabel = el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600' } }, '100%');
    function updateSum() {
      let s = 0;
      for (const cls of ASSET_CLASSES) {
        const v = parseFloat(inputs[cls].value);
        if (isFinite(v) && v > 0) s += v;
      }
      sumLabel.textContent = s.toFixed(1) + '%';
      sumLabel.style.color = (Math.abs(s - 100) < 0.5) ? 'var(--tb-success)' : 'var(--tb-warn)';
    }

    const grid = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(2, 1fr)', gap: 'var(--tb-sp-2)' },
    });
    for (const cls of ASSET_CLASSES) {
      const input = el('input', {
        type: 'number', class: 'tb-input',
        min: '0', max: '100', step: '0.1',
        style: { fontFamily: 'var(--tb-font-mono)' },
        value: ((draft[cls] || 0) * 100).toFixed(1),
        oninput: updateSum,
      });
      inputs[cls] = input;
      grid.appendChild(el('div', { style: { display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)' } },
        el('span', { style: {
          width: '12px', height: '12px', borderRadius: '50%',
          background: ASSET_CLASS_COLOR[cls], display: 'inline-block', flexShrink: '0',
        } }),
        el('label', { style: { flex: '1', fontSize: 'var(--tb-fs-12)' } },
          t('assets.alloc.' + cls)),
        input,
        el('span', { style: { color: 'var(--tb-text-soft)' } }, '%'),
      ));
    }
    modal.appendChild(grid);

    modal.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)' },
    },
      el('div', null,
        el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '2px 10px', fontSize: 'var(--tb-fs-12)', marginRight: 'var(--tb-sp-2)' },
          onclick: () => {
            const preset = { equity_us: 60, equity_intl: 20, bond: 15, cash: 5, real_estate: 0, alternative: 0 };
            for (const cls of ASSET_CLASSES) inputs[cls].value = String(preset[cls] || 0);
            updateSum();
          },
        }, t('assets.alloc.target.preset')),
        el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '2px 10px', fontSize: 'var(--tb-fs-12)' },
          onclick: () => {
            for (const cls of ASSET_CLASSES) inputs[cls].value = '0';
            updateSum();
          },
        }, t('assets.alloc.target.clear')),
      ),
      el('div', null,
        el('span', { style: { color: 'var(--tb-text-soft)', marginRight: 'var(--tb-sp-1)' } },
          t('assets.alloc.sum')),
        sumLabel,
      ),
    ));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'space-between', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', {
      class: 'tb-btn tb-btn--danger', type: 'button',
      onclick: () => {
        TB.state.set('assets.target_allocation', null);
        close();
        rerender();
      },
    }, t('assets.alloc.target.remove')));
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('assets.modal.cancel')));
    right.appendChild(el('button', {
      class: 'tb-btn', type: 'button',
      onclick: () => {
        const raw = {};
        for (const cls of ASSET_CLASSES) {
          const v = parseFloat(inputs[cls].value);
          raw[cls] = (isFinite(v) && v > 0) ? v / 100 : 0;
        }
        const norm = normalizeAllocation(raw);
        const anyNonZero = ASSET_CLASSES.some((c) => norm[c] > 0);
        TB.state.set('assets.target_allocation', anyNonZero ? norm : null);
        close();
        rerender();
      },
    }, t('assets.modal.save')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);

    updateSum();
    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ----- Review cards (beneficiary / YoY / tax-loss harvesting) -------

  function buildBeneficiaryReviewCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const missing = accountsMissingBeneficiary();
    // When there are no missing beneficiaries, render a compact
    // "all clear" tile (only when the user has any active accounts at
    // all — empty state would be misleading).
    const accts = getActiveAccounts();
    if (accts.length === 0) return null;

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '👥 ' + t('assets.review.beneficiary.title')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('assets.review.beneficiary.intro')));

    if (missing.length === 0) {
      card.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-success)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        },
      }, '✓ ' + t('assets.review.beneficiary.allset', { n: accts.length })));
      return card;
    }

    card.appendChild(el('div', {
      style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'rgba(178, 58, 58, 0.08)',
        borderLeft: '3px solid var(--tb-error)', borderRadius: 'var(--tb-radius-1)', marginBottom: 'var(--tb-sp-3)' },
    },
      el('strong', null, '⚠ ' + t('assets.review.beneficiary.warn', { n: missing.length })),
      el('div', { class: 'tb-field-help', style: { marginTop: '4px' } },
        t('assets.review.beneficiary.warn.body')),
    ));

    const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)' } });
    for (const a of missing) {
      const row = el('div', {
        style: {
          display: 'flex', justifyContent: 'space-between', alignItems: 'center',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)', gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
        },
      });
      row.appendChild(el('div', null,
        el('div', { style: { fontWeight: '600' } },
          (a.institution || '?') + (a.name ? ' · ' + a.name : '')),
        el('div', { class: 'tb-card-meta' },
          (a.tax_wrapper || '?') + (a.country ? ' · ' + a.country : '') +
            ' · ' + fmtUsdShort(toUsd(a.balance_native, a.currency))),
      ));
      row.appendChild(el('button', {
        class: 'tb-btn',
        type: 'button',
        style: { fontSize: 'var(--tb-fs-12)', padding: '4px 10px' },
        onclick: () => openEditModal(a),
      }, '+ ' + t('assets.review.beneficiary.add')));
      list.appendChild(row);
    }
    card.appendChild(list);
    return card;
  }

  function buildYoYChangeCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const changes = yoyChangePerAccount();
    if (changes.length === 0) return null;

    // Pull out only the "big movers" (>= 25%) for the headline list;
    // the rest live behind a "show all" details expander.
    const big = changes.filter((c) => c.pct_change != null && Math.abs(c.pct_change) >= 25);

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    const ref = changes[0];
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📊 ' + t('assets.review.yoy.title')));
    card.appendChild(el('p', { class: 'tb-card-meta' },
      t('assets.review.yoy.intro', { date: String(ref.ref_date).slice(0, 10) })));

    if (big.length === 0) {
      card.appendChild(el('div', { class: 'tb-field-help' },
        '✓ ' + t('assets.review.yoy.steady')));
    } else {
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '6px' } });
      for (const c of big) {
        const isPositive = c.delta_usd >= 0;
        const color = isPositive ? 'var(--tb-success)' : 'var(--tb-error)';
        list.appendChild(el('div', {
          style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
            padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'var(--tb-bg)',
            borderLeft: '3px solid ' + color, borderRadius: 'var(--tb-radius-1)' },
        },
          el('div', null,
            el('div', { style: { fontWeight: '600' } },
              (c.account.institution || '?') + (c.account.name ? ' · ' + c.account.name : '')),
            el('div', { class: 'tb-card-meta', style: { marginTop: '2px' } },
              fmtUsdShort(c.from_usd) + ' → ' + fmtUsdShort(c.to_usd)),
          ),
          el('div', { style: { textAlign: 'right' } },
            el('div', { style: { color, fontWeight: '700', fontFamily: 'var(--tb-font-mono)' } },
              (isPositive ? '+' : '') + fmtUsdShort(c.delta_usd)),
            el('div', { style: { color, fontSize: 'var(--tb-fs-12)', fontFamily: 'var(--tb-font-mono)' } },
              (isPositive ? '+' : '') + c.pct_change.toFixed(1) + '%'),
          ),
        ));
      }
      card.appendChild(list);
    }

    // "Show all" expander for the steady accounts
    if (changes.length > big.length) {
      const details = el('details', { style: { marginTop: 'var(--tb-sp-3)' } });
      details.appendChild(el('summary', {
        style: { cursor: 'pointer', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' },
      }, t('assets.review.yoy.showAll', { n: changes.length - big.length })));
      const tbl = el('table', { style: { width: '100%', borderCollapse: 'collapse', marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)' } });
      for (const c of changes.filter((c) => !big.includes(c))) {
        const sign = c.delta_usd >= 0 ? '+' : '';
        tbl.appendChild(el('tr', null,
          el('td', { style: { padding: '4px 8px' } },
            (c.account.institution || '?') + (c.account.name ? ' · ' + c.account.name : '')),
          el('td', { style: { padding: '4px 8px', textAlign: 'right', fontFamily: 'var(--tb-font-mono)' } },
            sign + fmtUsdShort(c.delta_usd) + (c.pct_change != null ? ' (' + sign + c.pct_change.toFixed(1) + '%)' : '')),
        ));
      }
      details.appendChild(tbl);
      card.appendChild(details);
    }
    return card;
  }

  function buildTaxLossHarvestCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const opps = scanTaxLossHarvest();
    // Hide entirely when nothing's actionable — this is a year-end /
    // opportunistic card, not a daily one.
    if (opps.length === 0) {
      // BUT — if we have basis data and no losses, still show a "no opps"
      // line during the year-end window (Oct-Dec) so the user sees we
      // checked.
      const m = new Date().getMonth() + 1;
      const inWindow = m >= 10 && m <= 12;
      if (!inWindow) return null;
      const summary = unrealizedGainSummary();
      if (summary.coverage_count === 0) return null; // no basis data → no signal
      const card = el('div', { class: 'tb-card', 'data-track': 'core' });
      card.appendChild(el('h2', { style: { marginTop: 0 } }, '🍂 ' + t('assets.review.tlh.title')));
      card.appendChild(el('div', { class: 'tb-field-help' },
        '✓ ' + t('assets.review.tlh.none')));
      return card;
    }

    const totalLoss = opps.reduce((s, o) => s + o.loss_usd, 0);
    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🍂 ' + t('assets.review.tlh.title')));
    card.appendChild(el('p', { class: 'tb-card-meta' },
      t('assets.review.tlh.intro', { total: fmtUsdShort(totalLoss), n: opps.length })));

    // Wash-sale rule callout — important to mention since the whole
    // strategy collapses if violated.
    card.appendChild(el('div', {
      style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'rgba(185, 122, 26, 0.10)',
        borderLeft: '3px solid var(--tb-warn)', borderRadius: 'var(--tb-radius-1)', marginBottom: 'var(--tb-sp-3)',
        fontSize: 'var(--tb-fs-12)' },
    },
      el('strong', null, '⚠ ' + t('assets.review.tlh.wash.title')),
      ' ' + t('assets.review.tlh.wash.body')));

    const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '6px' } });
    for (const o of opps) {
      list.appendChild(el('div', {
        style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderLeft: '3px solid var(--tb-error)', borderRadius: 'var(--tb-radius-1)' },
      },
        el('div', null,
          el('div', { style: { fontWeight: '600' } },
            (o.account.institution || '?') + (o.account.name ? ' · ' + o.account.name : '')),
          el('div', { class: 'tb-card-meta', style: { marginTop: '2px' } },
            t('assets.review.tlh.basis') + ' ' + fmtUsdShort(o.basis_usd) + ' → ' +
            t('assets.review.tlh.value') + ' ' + fmtUsdShort(o.value_usd)),
        ),
        el('div', { style: { textAlign: 'right' } },
          el('div', { style: { color: 'var(--tb-error)', fontWeight: '700', fontFamily: 'var(--tb-font-mono)' } },
            '-' + fmtUsdShort(o.loss_usd)),
          el('div', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)' } },
            t('assets.review.tlh.unrealized')),
        ),
      ));
    }
    card.appendChild(list);
    return card;
  }

  // ----- Account list --------------------------------------------------

  function buildAccountsList() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const all = getAccounts();
    const visible = showArchived ? all : all.filter((a) => a.active !== false);

    if (visible.length === 0) {
      return el('div', { class: 'tb-card', 'data-track': 'core' },
        el('h3', null, t('assets.empty.title')),
        el('p', { class: 'tb-card-meta' }, t('assets.empty.body')),
        el('div', { class: 'tb-btn-row' },
          el('button', {
            class: 'tb-btn',
            type: 'button',
            onclick: () => openEditModal(null),
          }, '+ ' + t('assets.add')),
        ),
      );
    }

    // Group accounts by the current grouping mode.
    const groups = {};
    const groupOrder = [];
    for (const a of visible) {
      let key, label;
      if (groupBy === 'wrapper') {
        key = a.tax_wrapper || 'other';
        label = t('assets.wrapper.' + key);
      } else if (groupBy === 'country') {
        key = a.country || 'OTHER';
        label = key === 'US' ? t('assets.field.country.us')
              : key === 'JP' ? t('assets.field.country.jp')
              : t('assets.field.country.other');
      } else {
        key = a.institution || (lang === 'ja' ? '(未指定)' : '(Unspecified)');
        label = key;
      }
      if (!groups[key]) { groups[key] = { label, accounts: [] }; groupOrder.push(key); }
      groups[key].accounts.push(a);
    }

    // Sort groupOrder for wrapper view (use canonical render order).
    if (groupBy === 'wrapper') {
      groupOrder.sort((a, b) => WRAPPER_RENDER_ORDER.indexOf(a) - WRAPPER_RENDER_ORDER.indexOf(b));
    } else if (groupBy === 'country') {
      const co = ['US', 'JP', 'OTHER'];
      groupOrder.sort((a, b) => co.indexOf(a) - co.indexOf(b));
    } else {
      // Institution sort: alphabetical, but archived-only groups last.
      groupOrder.sort((a, b) => a.localeCompare(b, lang === 'ja' ? 'ja' : 'en'));
    }

    const wrap = el('div');
    for (const k of groupOrder) {
      wrap.appendChild(buildGroupCard(k, groups[k]));
    }
    return wrap;
  }

  function buildGroupCard(key, group) {
    const el = TB.utils.el;

    // Compute group total in USD.
    const groupTotalUsd = group.accounts.reduce(
      (s, a) => s + (a.active === false ? 0 : toUsd(a.balance_native, a.currency)), 0);

    const card = el('div', { class: 'tb-card', 'data-track': 'core', style: { padding: 'var(--tb-sp-4)' } });

    card.appendChild(el('div', {
      style: {
        display: 'flex', justifyContent: 'space-between',
        alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)',
        marginBottom: 'var(--tb-sp-3)',
        paddingBottom: 'var(--tb-sp-2)', borderBottom: '1px solid var(--tb-border)',
      },
    },
      el('h3', { style: { margin: 0 } }, group.label),
      el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600' } },
        TB.utils.formatUSD(groupTotalUsd, { maximumFractionDigits: 0 })),
    ));

    for (const a of group.accounts) {
      card.appendChild(buildAccountRow(a));
    }
    return card;
  }

  function buildAccountRow(a) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const wrapperMeta = WRAPPER_BY_ID[a.tax_wrapper] || WRAPPER_BY_ID.other;
    const archived = a.active === false;
    const stale = staleness(a.updated_at);

    const row = el('div', {
      style: {
        borderLeft: '4px solid ' + wrapperMeta.color,
        padding: 'var(--tb-sp-3) var(--tb-sp-4)',
        marginBottom: 'var(--tb-sp-2)',
        background: 'var(--tb-bg)',
        borderRadius: 'var(--tb-radius-1)',
        display: 'grid',
        gridTemplateColumns: 'minmax(0, 1fr) auto',
        gap: 'var(--tb-sp-3)',
        alignItems: 'start',
        opacity: archived ? '0.55' : '1',
      },
    });

    // Left column — name, balance, meta
    const left = el('div', { style: { minWidth: '0' } });

    const titleLine = el('div', { style: { display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-2)', alignItems: 'baseline' } },
      el('strong', { style: { fontSize: 'var(--tb-fs-16)' } }, a.name || (lang === 'ja' ? '(無名)' : '(Unnamed)')),
      el('span', {
        class: 'tb-badge',
        style: {
          background: wrapperMeta.color + '22',
          color: wrapperMeta.color,
          borderColor: 'transparent',
          fontSize: 'var(--tb-fs-12)',
        },
      }, t('assets.wrapper.' + (a.tax_wrapper || 'other'))),
      a.country ? el('span', { class: 'tb-badge', style: { fontSize: 'var(--tb-fs-12)' } },
        a.country === 'US' ? '🇺🇸' : a.country === 'JP' ? '🇯🇵' : '🌐') : null,
      // FBAR linkage badge — small + dim, links back to the FBAR module.
      a.fbar_account_id ? el('a', {
        href: '#',
        class: 'tb-badge',
        title: t('assets.fbar.linked.tip'),
        style: {
          fontSize: 'var(--tb-fs-12)',
          background: 'rgba(14, 42, 79, 0.10)',
          color: 'var(--tb-navy)',
          borderColor: 'transparent',
          textDecoration: 'none',
        },
        onclick: (e) => {
          e.preventDefault();
          document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'fbar' } }));
        },
      }, '🔗 ' + t('assets.fbar.linked.label')) : null,
      archived ? el('span', { class: 'tb-badge', style: { fontSize: 'var(--tb-fs-12)' } }, t('assets.archived.label')) : null,
    );
    left.appendChild(titleLine);

    // Balance line
    const balLine = el('div', {
      style: {
        marginTop: 'var(--tb-sp-1)',
        fontFamily: 'var(--tb-font-mono)',
        fontSize: 'var(--tb-fs-22)',
        fontWeight: '600',
      },
    },
      fmtNative(a.balance_native, a.currency),
    );
    left.appendChild(balLine);

    // USD-equivalent line (only if non-USD)
    if (a.currency && a.currency !== 'USD' && a.balance_native != null) {
      left.appendChild(el('div', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)', fontFamily: 'var(--tb-font-mono)' } },
        '≈ ' + TB.utils.formatUSD(toUsd(a.balance_native, a.currency), { maximumFractionDigits: 0 })));
    }

    // Basis line (taxable / RE only)
    if (wrapperMeta.basis && a.basis_native != null) {
      const gainNative = (a.balance_native || 0) - (a.basis_native || 0);
      const gainUsd = toUsd(gainNative, a.currency);
      left.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-1)' } },
        (lang === 'ja' ? '取得原価: ' : 'Basis: ') + fmtNative(a.basis_native, a.currency) +
        '  ·  ' + (lang === 'ja' ? '含み損益: ' : 'Unrealized: ') +
        (gainUsd >= 0 ? '+' : '') + TB.utils.formatUSD(gainUsd, { maximumFractionDigits: 0 })));
    }

    // Notes
    if (a.notes) {
      left.appendChild(el('div', {
        class: 'tb-card-meta',
        style: { marginTop: 'var(--tb-sp-2)', whiteSpace: 'pre-wrap', lineHeight: 'var(--tb-lh-body)' },
      }, a.notes));
    }

    // Beneficiary line — only shown when set.
    if (a.beneficiary) {
      left.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-1)' } },
        (lang === 'ja' ? '受取人: ' : 'Beneficiary: ') + a.beneficiary));
    }
    // Last-4 — only shown when set, dimmed.
    if (a.account_number_last4) {
      left.appendChild(el('div', { class: 'tb-card-meta', style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)' } },
        '••••' + a.account_number_last4));
    }

    // Lifecycle countdown badge — colored by severity.
    const lc = lifecycleBadge(a.close_date);
    if (lc) {
      const sevColor = lc.severity === 'past'  ? 'var(--tb-error)'
                     : lc.severity === 'today' ? 'var(--tb-error)'
                     : lc.severity === 'soon'  ? 'var(--tb-warn)'
                     : 'var(--tb-text-soft)';
      const transferSuffix = a.transfer_to
        ? ' ' + t('assets.lifecycle.transferto', { target: a.transfer_to })
        : '';
      left.appendChild(el('div', {
        style: {
          marginTop: 'var(--tb-sp-2)',
          display: 'inline-flex', padding: '2px 8px',
          background: sevColor + '18',
          color: sevColor,
          fontSize: 'var(--tb-fs-12)', fontWeight: '600',
          borderRadius: 'var(--tb-radius-pill)',
        },
      }, t(lc.key, lc.vars) + transferSuffix));
    }

    // Status row
    const statusRow = el('div', {
      class: 'tb-card-meta',
      style: { marginTop: 'var(--tb-sp-2)', display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-3)' },
    },
      el('span', {
        style: stale.state === 'stale'
          ? { color: 'var(--tb-warn)', fontWeight: '600' }
          : null,
      }, t(stale.label_key, stale.vars || undefined)),
      a.include_in_sofa === false
        ? el('span', { style: { color: 'var(--tb-text-soft)' } },
            (lang === 'ja' ? '✕ SOFA 集計から除外' : '✕ Excluded from SOFA'))
        : el('span', { style: { color: 'var(--tb-success)' } },
            (lang === 'ja' ? '✓ SOFA 集計対象' : '✓ Feeds SOFA')),
    );
    left.appendChild(statusRow);

    // ── Document Vault back-references ───────────────────────────
    // Documents in the Vault that were linked to this asset account
    // (via the linked_module/linked_id schema added in v0.33) show
    // up here as clickable chips. Each chip opens the doc's edit
    // modal in the Vault module — fast nav back and forth.
    if (TB.docVault && typeof TB.docVault.getDocsLinkedTo === 'function') {
      const linkedDocs = TB.docVault.getDocsLinkedTo('assets', a.id);
      if (linkedDocs && linkedDocs.length > 0) {
        const docRow = el('div', {
          style: { display: 'flex', flexWrap: 'wrap', gap: '6px', marginTop: 'var(--tb-sp-2)' },
        });
        docRow.appendChild(el('span', { class: 'tb-card-meta', style: { fontSize: 'var(--tb-fs-12)' } },
          '📂 ' + t('assets.linkedDocs.label') + ':'));
        for (const d of linkedDocs) {
          const docLabel = d.title || (TB.docVault.typeLabel ? TB.docVault.typeLabel(d.type, lang) : d.type);
          docRow.appendChild(el('button', {
            type: 'button',
            class: 'tb-badge',
            style: {
              fontSize: 'var(--tb-fs-12)', background: 'rgba(46, 107, 92, 0.12)',
              color: 'var(--tb-track-ai)', borderColor: 'transparent', cursor: 'pointer',
              padding: '2px 8px',
            },
            onclick: (e) => {
              e.stopPropagation();
              if (TB.docVault && typeof TB.docVault.openEditModal === 'function') {
                TB.docVault.openEditModal(d);
              } else {
                document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'document-vault' } }));
              }
            },
          }, docLabel));
        }
        left.appendChild(docRow);
      }
    }

    // Right column — action buttons
    const right = el('div', { style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-1)' } });
    right.appendChild(el('button', {
      class: 'tb-btn tb-btn--secondary',
      type: 'button',
      style: { padding: 'var(--tb-sp-1) var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)' },
      onclick: () => openEditModal(a.id),
    }, t('assets.edit')));
    right.appendChild(el('button', {
      class: 'tb-btn tb-btn--ghost',
      type: 'button',
      style: { padding: 'var(--tb-sp-1) var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)' },
      onclick: () => { setActive(a.id, archived); rerender(); },
    }, archived ? t('assets.unarchive') : t('assets.archive')));
    // "Ask Taigan about this account" — only shown when the AI module
    // is loaded AND consent allows ask_taigan (we let the gate filter,
    // so the button might prompt; just disable if consent === 'off'
    // explicitly for cleanliness).
    if (TB.askTaigan && typeof TB.askTaigan.openWithContext === 'function') {
      const consentAllow = (TB.ai && typeof TB.ai.isFeatureAllowed === 'function')
        ? TB.ai.isFeatureAllowed('ask_taigan')
        : true;
      if (consentAllow !== false) {
        right.appendChild(el('button', {
          class: 'tb-btn tb-btn--ghost',
          type: 'button',
          style: { padding: 'var(--tb-sp-1) var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)' },
          title: t('assets.askTaigan.tooltip'),
          onclick: () => {
            TB.askTaigan.openWithContext({
              feature: 'ask_taigan',
              label_en: (a.institution || '?') + (a.name ? ' · ' + a.name : ''),
              label_jp: (a.institution || '?') + (a.name ? ' · ' + a.name : ''),
              prompt_en: 'I have an account at ' + (a.institution || '?') +
                ' (' + (a.country || '?') + ') wrapped as ' + (a.tax_wrapper || '?') +
                '. What are the key tax / planning considerations I should be thinking about for this specific account?',
              prompt_jp: (a.institution || '?') + '(' + (a.country || '?') + ')の' +
                (a.tax_wrapper || '?') + '口座について、税務・プランニング上の主な検討事項を教えてください。',
            });
          },
        }, '💬 ' + t('assets.askTaigan.btn')));
      }
    }

    row.appendChild(left);
    row.appendChild(right);
    return row;
  }

  // ====================================================================
  // Add / Edit modal
  // ====================================================================

  function openEditModal(editId) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const isEdit = !!editId;
    const existing = isEdit ? findById(editId) : null;

    // Working copy for the form
    const draft = existing ? Object.assign({}, existing) : {
      id: TB.utils.uuid(),
      institution: '',
      name: '',
      country: 'US',
      tax_wrapper: 'taxable_brokerage',
      currency: 'USD',
      balance_native: null,
      basis_native: null,
      account_number_last4: null,
      beneficiary: null,
      notes: '',
      updated_at: new Date().toISOString().slice(0, 10),
      active: true,
      include_in_sofa: true,
      close_date: null,
      transfer_to: null,
    };

    const root = document.getElementById('tb-modal-root');
    if (!root) return;

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal    = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);

    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('button', {
      class: 'tb-modal-close', type: 'button', 'aria-label': 'Close',
      onclick: close,
    }, '×'));

    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      isEdit ? t('assets.modal.edit.title') : t('assets.modal.add.title')));

    // ---- Upload card (auto-fill via Claude vision) ----------------
    // Sits at the top of the modal so the user sees it before any
    // manual entry. Disabled state when no API key is set, with a
    // jump-to-Settings affordance instead of silently hiding.
    const uploadStatus = el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginTop: 'var(--tb-sp-2)' } });

    const uploadCard = el('div', {
      style: {
        border: '1px dashed var(--tb-border)',
        borderRadius: 'var(--tb-radius-2)',
        padding: 'var(--tb-sp-3) var(--tb-sp-4)',
        marginBottom: 'var(--tb-sp-4)',
        background: 'var(--tb-bg)',
      },
    });
    uploadCard.appendChild(el('div', { style: { fontWeight: '600', marginBottom: 'var(--tb-sp-1)' } }, t('assets.upload.title')));
    uploadCard.appendChild(el('div', { class: 'tb-field-help' }, t('assets.upload.help')));

    // ── Upload examples / tutorial ───────────────────────────────
    // Compact 2-col grid showing what kinds of source documents
    // work, with concrete examples. Helps users realize they can
    // upload many things — passbooks, PDFs, screenshots — not just
    // formal "statements". Especially important for JP users with
    // 通帳 (passbooks) which are the only official record some
    // banks issue.
    const examplesGrid = el('div', {
      style: {
        display: 'grid',
        gridTemplateColumns: 'repeat(auto-fit, minmax(180px, 1fr))',
        gap: '6px 12px',
        marginTop: 'var(--tb-sp-2)',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg-elev)',
        borderRadius: 'var(--tb-radius-1)',
        fontSize: 'var(--tb-fs-12)',
      },
    });
    function ex(emoji, titleKey, bodyKey) {
      return el('div', null,
        el('div', { style: { fontWeight: '600' } }, emoji + ' ' + t(titleKey)),
        el('div', { style: { color: 'var(--tb-text-soft)', lineHeight: '1.4' } }, t(bodyKey)),
      );
    }
    examplesGrid.appendChild(ex('📖', 'assets.upload.ex.passbook.title',   'assets.upload.ex.passbook.body'));
    examplesGrid.appendChild(ex('📄', 'assets.upload.ex.pdf.title',        'assets.upload.ex.pdf.body'));
    examplesGrid.appendChild(ex('📸', 'assets.upload.ex.screenshot.title', 'assets.upload.ex.screenshot.body'));
    examplesGrid.appendChild(ex('🖼️', 'assets.upload.ex.letter.title',     'assets.upload.ex.letter.body'));
    uploadCard.appendChild(examplesGrid);

    // 通帳 callout — JP-specific tip about uploading multi-page
    // passbooks. Even users with EN UI mode benefit (the term shows
    // with furigana via the JP annotator).
    uploadCard.appendChild(el('div', {
      style: {
        marginTop: 'var(--tb-sp-2)',
        padding: '6px 10px',
        borderLeft: '3px solid var(--tb-accent)',
        background: 'rgba(183, 71, 42, 0.06)',
        borderRadius: 'var(--tb-radius-1)',
        fontSize: 'var(--tb-fs-12)',
        color: 'var(--tb-text-soft)',
      },
    }, '💡 ' + t('assets.upload.passbook.tip')));

    const hasKey = TB.ai && TB.ai.hasKey && TB.ai.hasKey();
    if (!hasKey) {
      uploadCard.appendChild(el('div', {
        style: { marginTop: 'var(--tb-sp-2)', color: 'var(--tb-warn)', fontSize: 'var(--tb-fs-12)' },
      }, t('assets.upload.no_key')));
      uploadCard.appendChild(el('button', {
        class: 'tb-btn tb-btn--secondary',
        type: 'button',
        style: { marginTop: 'var(--tb-sp-2)' },
        onclick: () => {
          close();
          document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'settings' } }));
        },
      }, t('assets.upload.go_settings')));
    } else {
      const fileInput = el('input', {
        type: 'file',
        accept: 'image/png,image/jpeg,image/jpg,image/webp,image/gif,application/pdf',
        style: { display: 'none' },
        onchange: (e) => {
          const f = e.target.files && e.target.files[0];
          if (f) handleAssetUpload(f);
          e.target.value = ''; // allow re-uploading same file
        },
      });
      // Opt-out chain: by default we run a 2nd Claude call to enrich
      // notes with institution metadata (HQ, support phone, wrapper
      // reminders). Pure metadata, no PII. Toggle remembered per-modal
      // session via a stored preference.
      const enrichPref = TB.state.get('settings.assets_enrich_after_upload');
      const enrichDefault = enrichPref !== false; // default on
      const enrichCheck = el('input', {
        type: 'checkbox',
        checked: enrichDefault,
        style: { marginRight: '6px' },
        onchange: (e) => {
          TB.state.set('settings.assets_enrich_after_upload', !!e.target.checked);
        },
      });
      uploadCard.appendChild(el('label', {
        style: {
          display: 'flex', alignItems: 'center', marginTop: 'var(--tb-sp-2)',
          fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', cursor: 'pointer',
        },
      }, enrichCheck, t('assets.upload.enrichToggle')));

      const uploadBtn = el('button', {
        class: 'tb-btn',
        type: 'button',
        style: { marginTop: 'var(--tb-sp-2)' },
        onclick: () => fileInput.click(),
      }, t('assets.upload.button'));
      uploadCard.appendChild(uploadBtn);
      uploadCard.appendChild(fileInput);
      // Stash a getter so handleAssetUpload can read the live checkbox state.
      uploadCard._shouldEnrich = () => !!enrichCheck.checked;

      // Drag-and-drop: the upload card itself is the drop zone, so
      // users can drag a statement directly onto the card without
      // ever opening the file picker.
      TB.utils.attachFileDrop(uploadCard, {
        accept: ['image/png','image/jpeg','image/jpg','image/webp','image/gif','application/pdf','.pdf'],
        text: '⤓ ' + t('assets.upload.drop'),
        onFile: (f) => handleAssetUpload(f),
        onError: (msg) => {
          uploadStatus.textContent = t('assets.upload.error', { message: msg });
          uploadStatus.style.color = 'var(--tb-error)';
        },
      });
    }
    uploadCard.appendChild(uploadStatus);
    modal.appendChild(uploadCard);

    // Build form. We hold a refs object so handlers can read other inputs
    // when computing defaults (e.g., when tax_wrapper changes, currency
    // and basis-field visibility update).
    const refs = {};

    // Apply extracted fields to draft + sync inputs. Only overwrites
    // fields that are currently empty in the draft so manual entries
    // aren't clobbered. Returns a list of fields that were filled.
    function applyExtraction(extracted) {
      if (!extracted || typeof extracted !== 'object') return [];
      const filled = [];
      const setIfEmpty = (key, value, refKey) => {
        if (value == null || value === '') return;
        const cur = draft[key];
        if (cur != null && cur !== '' && cur !== 0) return; // user already entered
        draft[key] = value;
        if (refs[refKey]) {
          if (refs[refKey].type === 'checkbox') refs[refKey].checked = !!value;
          else refs[refKey].value = String(value);
        }
        filled.push(key);
      };
      setIfEmpty('institution',          extracted.institution,           'institution');
      setIfEmpty('name',                 extracted.account_name,          'name');
      // country / currency / tax_wrapper need a select-resync pattern.
      if (extracted.country && !draft.country) {
        draft.country = extracted.country;
        if (refs.country) refs.country.value = extracted.country;
        filled.push('country');
      }
      if (extracted.currency) {
        // Always trust extracted currency over the default USD.
        draft.currency = extracted.currency;
        if (refs.currency) refs.currency.value = extracted.currency;
        filled.push('currency');
      }
      if (extracted.tax_wrapper_hint && WRAPPER_BY_ID[extracted.tax_wrapper_hint]) {
        draft.tax_wrapper = extracted.tax_wrapper_hint;
        if (refs.tax_wrapper) refs.tax_wrapper.value = extracted.tax_wrapper_hint;
        filled.push('tax_wrapper');
      }
      setIfEmpty('balance_native',       extracted.balance_native,        'balance');
      setIfEmpty('basis_native',         extracted.basis_native,          'basis');
      setIfEmpty('account_number_last4', extracted.account_number_last4,  'account_number_last4');
      // Stamp updated_at to the extracted as_of_date when present.
      if (extracted.as_of_date) {
        draft.updated_at = extracted.as_of_date;
        if (refs.updated_at) refs.updated_at.value = extracted.as_of_date;
        filled.push('updated_at');
      }
      // Notes: append rather than replace so we never lose user typing.
      if (extracted.notes_suggestion) {
        const existing = (draft.notes || '').trim();
        const next = existing ? existing + '\n\n' + extracted.notes_suggestion : extracted.notes_suggestion;
        draft.notes = next;
        if (refs.notes) refs.notes.value = next;
        filled.push('notes');
      }
      // Allocation hint — only apply when the user hasn't customized.
      if (extracted.allocation_hint && typeof extracted.allocation_hint === 'object') {
        const hinted = normalizeAllocation(extracted.allocation_hint);
        const hasAny = ASSET_CLASSES.some((c) => hinted[c] > 0);
        if (hasAny) {
          draft.allocation = hinted;
          if (refs.alloc) {
            for (const cls of ASSET_CLASSES) {
              refs.alloc[cls].value = hinted[cls] > 0 ? (hinted[cls] * 100).toFixed(1) : '';
            }
            updateAllocSum();
          }
          filled.push('allocation');
        }
      }
      // Reflect tax-wrapper-driven UI changes (basis field show/hide,
      // balance label currency).
      if (typeof toggleBasisField === 'function') toggleBasisField();
      if (typeof renderBalanceLabel === 'function') renderBalanceLabel();
      return filled;
    }

    // Convert one extracted entry into a complete asset record ready
    // for upsert. Defaults are filled in for any fields the model
    // didn't return so we never store partially-shaped records.
    function buildRecordFromExtraction(entry, fileName) {
      const wrapperId = entry.tax_wrapper_hint && WRAPPER_BY_ID[entry.tax_wrapper_hint]
        ? entry.tax_wrapper_hint
        : 'other';
      const wrapperMeta = WRAPPER_BY_ID[wrapperId];
      const country = entry.country || (wrapperMeta && wrapperMeta.country) || 'US';
      const currency = entry.currency || (country === 'JP' ? 'JPY' : 'USD');
      const today = new Date().toISOString().slice(0, 10);
      const noteParts = [];
      if (entry.notes_suggestion) noteParts.push(entry.notes_suggestion);
      noteParts.push('Extracted from ' + fileName + ' on ' + today + '.');
      // Allocation: prefer the model's hint, fall back to wrapper default.
      const hinted = entry.allocation_hint && typeof entry.allocation_hint === 'object'
        ? normalizeAllocation(entry.allocation_hint) : null;
      const allocation = (hinted && ASSET_CLASSES.some((c) => hinted[c] > 0))
        ? hinted : defaultAllocFor(wrapperId);

      return {
        id: TB.utils.uuid(),
        institution:           entry.institution || '',
        name:                  entry.account_name || '',
        country,
        tax_wrapper:           wrapperId,
        currency,
        balance_native:        (entry.balance_native != null && isFinite(entry.balance_native)) ? entry.balance_native : null,
        basis_native:          (entry.basis_native != null && isFinite(entry.basis_native)) ? entry.basis_native : null,
        account_number_last4:  entry.account_number_last4 || null,
        beneficiary:           null,
        notes:                 noteParts.join(' '),
        updated_at:            entry.as_of_date || today,
        active:                true,
        include_in_sofa:       true,
        close_date:            null,
        transfer_to:           null,
        allocation,
      };
    }

    async function handleAssetUpload(file) {
      uploadStatus.textContent = t('assets.upload.processing', { filename: file.name });
      uploadStatus.style.color = 'var(--tb-text-soft)';
      try {
        const result = await TB.ai.callClaudeVisionForAssetExtraction(file, {
          country_hint: draft.country || null,
        });
        const cost = (result.cost_usd || 0).toFixed(4);
        const ext = result.extracted || {};
        const accounts = Array.isArray(ext.accounts) ? ext.accounts.filter(Boolean) : [];

        // Empty array → nothing usable came back.
        if (accounts.length === 0) {
          uploadStatus.textContent = t('assets.upload.partial');
          uploadStatus.style.color = 'var(--tb-warn)';
          return;
        }

        // Multi-account on a NEW account (not editing) → bulk-add all
        // accounts directly. Closes the modal so the user lands on the
        // freshly populated list.
        if (accounts.length > 1 && !isEdit) {
          for (const entry of accounts) {
            upsertAccount(buildRecordFromExtraction(entry, file.name));
          }
          uploadStatus.textContent = t('assets.upload.bulkadded', { count: accounts.length, filename: file.name, cost });
          uploadStatus.style.color = 'var(--tb-success)';
          // Defer close + rerender by a tick so the success message is
          // briefly visible before the modal vanishes.
          setTimeout(() => { close(); rerender(); }, 600);
          return;
        }

        // Single account (or edit-mode) → fill the current form. When
        // editing, prefer the primary if specified, else the first.
        const primaryIdx = (typeof ext.primary_index === 'number' && ext.primary_index >= 0 && ext.primary_index < accounts.length)
          ? ext.primary_index : 0;
        const filled = applyExtraction(accounts[primaryIdx]);

        if (filled.length === 0) {
          uploadStatus.textContent = t('assets.upload.partial');
          uploadStatus.style.color = 'var(--tb-warn)';
        } else {
          uploadStatus.textContent = t('assets.upload.done', { filename: file.name, cost });
          uploadStatus.style.color = 'var(--tb-success)';
        }

        // ---- Chained enrichment ----------------------------------
        // After successful single-account extraction, run a 2nd
        // metadata-only call to fill institution details into notes.
        // Skipped if the user unchecked the toggle, or if institution
        // is empty (nothing useful to look up).
        if (filled.length > 0 && uploadCard._shouldEnrich && uploadCard._shouldEnrich() && draft.institution) {
          const enrichLine = el('div', {
            style: { marginTop: 'var(--tb-sp-1)', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' },
          }, t('assets.upload.enriching'));
          uploadStatus.appendChild(enrichLine);
          try {
            const enrichResult = await TB.ai.enrichAssetAccountWithAi(draft);
            if (enrichResult.text) {
              const existing = (draft.notes || '').trim();
              const block = '— Institution info —\n' + enrichResult.text;
              const next = existing ? existing + '\n\n' + block : block;
              draft.notes = next;
              if (refs.notes) refs.notes.value = next;
              const enrichCost = (enrichResult.cost_usd || 0).toFixed(4);
              enrichLine.textContent = t('assets.upload.enrichDone', { cost: enrichCost });
              enrichLine.style.color = 'var(--tb-success)';
            } else {
              enrichLine.textContent = t('assets.upload.enrichEmpty');
            }
          } catch (enrichErr) {
            enrichLine.textContent = t('assets.upload.enrichError', {
              message: (enrichErr && enrichErr.message) || String(enrichErr),
            });
            enrichLine.style.color = 'var(--tb-warn)';
          }
        }

        // If editing and other accounts were also visible, list them so
        // the user can add them separately.
        if (isEdit && accounts.length > 1) {
          const others = accounts
            .filter((_, i) => i !== primaryIdx)
            .map((a) => a.account_name || a.institution)
            .filter(Boolean);
          if (others.length > 0) {
            uploadStatus.appendChild(el('div', {
              style: { marginTop: 'var(--tb-sp-1)', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-warn)' },
            }, t('assets.upload.observed', { names: others.join(', ') })));
          }
        }
      } catch (err) {
        uploadStatus.textContent = t('assets.upload.error', { message: (err && err.message) || String(err) });
        uploadStatus.style.color = 'var(--tb-error)';
      }
    }

    function field(labelKey, control, helpKey) {
      const wrap = el('div', { class: 'tb-field' });
      wrap.appendChild(el('label', { class: 'tb-field-label' }, t(labelKey)));
      wrap.appendChild(control);
      if (helpKey) wrap.appendChild(el('div', { class: 'tb-field-help' }, t(helpKey)));
      return wrap;
    }

    refs.institution = el('input', {
      type: 'text', class: 'tb-input', value: draft.institution || '',
      oninput: (e) => { draft.institution = e.target.value; },
    });
    modal.appendChild(field('assets.field.institution', refs.institution, 'assets.field.institution.help'));

    refs.name = el('input', {
      type: 'text', class: 'tb-input', value: draft.name || '',
      oninput: (e) => { draft.name = e.target.value; },
    });
    modal.appendChild(field('assets.field.name', refs.name, 'assets.field.name.help'));

    // Country
    refs.country = el('select', {
      class: 'tb-select',
      onchange: (e) => {
        draft.country = e.target.value;
        // Auto-default currency for JP selection.
        if (draft.country === 'JP' && draft.currency === 'USD') {
          draft.currency = 'JPY';
          refs.currency.value = 'JPY';
        } else if (draft.country === 'US' && draft.currency === 'JPY') {
          draft.currency = 'USD';
          refs.currency.value = 'USD';
        }
        renderBalanceLabel();
      },
    },
      el('option', { value: 'US' },    t('assets.field.country.us')),
      el('option', { value: 'JP' },    t('assets.field.country.jp')),
      el('option', { value: 'OTHER' }, t('assets.field.country.other')),
    );
    Array.from(refs.country.options).forEach((o) => { o.selected = o.value === draft.country; });
    modal.appendChild(field('assets.field.country', refs.country));

    // Tax wrapper
    refs.tax_wrapper = el('select', {
      class: 'tb-select',
      onchange: (e) => {
        draft.tax_wrapper = e.target.value;
        // Auto-set country based on wrapper.
        const wMeta = WRAPPER_BY_ID[draft.tax_wrapper];
        if (wMeta && wMeta.country !== 'OTHER') {
          draft.country = wMeta.country;
          refs.country.value = wMeta.country;
          if (wMeta.country === 'JP' && draft.currency === 'USD') {
            draft.currency = 'JPY'; refs.currency.value = 'JPY';
          }
        }
        toggleBasisField();
        renderBalanceLabel();
      },
    });
    for (const w of WRAPPERS) {
      refs.tax_wrapper.appendChild(el('option', { value: w.id }, t('assets.wrapper.' + w.id)));
    }
    Array.from(refs.tax_wrapper.options).forEach((o) => { o.selected = o.value === draft.tax_wrapper; });
    modal.appendChild(field('assets.field.tax_wrapper', refs.tax_wrapper));

    // Currency
    refs.currency = el('select', {
      class: 'tb-select',
      onchange: (e) => { draft.currency = e.target.value; renderBalanceLabel(); },
    });
    for (const c of CURRENCIES) {
      refs.currency.appendChild(el('option', { value: c }, c));
    }
    Array.from(refs.currency.options).forEach((o) => { o.selected = o.value === draft.currency; });
    modal.appendChild(field('assets.field.currency', refs.currency));

    // Balance (native)
    const balanceWrap = el('div', { class: 'tb-field' });
    const balanceLabel = el('label', { class: 'tb-field-label' });
    refs.balance = el('input', {
      type: 'number', class: 'tb-input', step: 'any',
      value: draft.balance_native != null ? draft.balance_native : '',
      oninput: (e) => {
        const v = e.target.value === '' ? null : Number(e.target.value);
        draft.balance_native = isFinite(v) ? v : null;
      },
    });
    balanceWrap.appendChild(balanceLabel);
    balanceWrap.appendChild(refs.balance);
    modal.appendChild(balanceWrap);

    function renderBalanceLabel() {
      balanceLabel.textContent = t('assets.field.balance.native', { currency: draft.currency || 'USD' });
    }
    renderBalanceLabel();

    // Basis (taxable / real estate only)
    const basisWrap = el('div', { class: 'tb-field' });
    refs.basis = el('input', {
      type: 'number', class: 'tb-input', step: 'any',
      value: draft.basis_native != null ? draft.basis_native : '',
      oninput: (e) => {
        const v = e.target.value === '' ? null : Number(e.target.value);
        draft.basis_native = isFinite(v) ? v : null;
      },
    });
    basisWrap.appendChild(el('label', { class: 'tb-field-label' }, t('assets.field.basis')));
    basisWrap.appendChild(refs.basis);
    basisWrap.appendChild(el('div', { class: 'tb-field-help' }, t('assets.field.basis.help')));
    modal.appendChild(basisWrap);

    function toggleBasisField() {
      const wMeta = WRAPPER_BY_ID[draft.tax_wrapper];
      basisWrap.style.display = (wMeta && wMeta.basis) ? '' : 'none';
    }
    toggleBasisField();

    // Account number last-4 (display-only disambiguation)
    refs.account_number_last4 = el('input', {
      type: 'text', class: 'tb-input',
      maxlength: '4', pattern: '[0-9]{0,4}',
      value: draft.account_number_last4 || '',
      placeholder: '1234',
      oninput: (e) => {
        const v = String(e.target.value || '').replace(/[^0-9]/g, '').slice(0, 4);
        e.target.value = v;
        draft.account_number_last4 = v || null;
      },
    });
    modal.appendChild(field('assets.field.account_number_last4', refs.account_number_last4, 'assets.field.account_number_last4.help'));

    // Asset allocation — 6 % inputs + "Use defaults" button.
    // The draft.allocation working copy starts as the existing
    // explicit allocation, OR the wrapper default if none set. The
    // user can leave at default or override per-class. Sum is shown
    // live; auto-normalized on save.
    if (!draft.allocation || !ASSET_CLASSES.some((c) => Number(draft.allocation[c]) > 0)) {
      draft.allocation = defaultAllocFor(draft.tax_wrapper);
    }

    refs.alloc = {};
    const allocSumLabel = el('span', {
      style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600' },
    }, '100%');

    function updateAllocSum() {
      let s = 0;
      for (const cls of ASSET_CLASSES) {
        const v = parseFloat(refs.alloc[cls].value);
        if (isFinite(v) && v > 0) s += v;
      }
      allocSumLabel.textContent = s.toFixed(1) + '%';
      allocSumLabel.style.color = (Math.abs(s - 100) < 0.5)
        ? 'var(--tb-success)'
        : (s > 0 ? 'var(--tb-warn)' : 'var(--tb-text-soft)');
    }

    function syncAllocInputsFromDraft() {
      for (const cls of ASSET_CLASSES) {
        const v = (draft.allocation && draft.allocation[cls]) || 0;
        refs.alloc[cls].value = v > 0 ? (v * 100).toFixed(1) : '';
      }
      updateAllocSum();
    }

    const allocGrid = el('div', {
      style: {
        display: 'grid',
        gridTemplateColumns: 'repeat(2, 1fr)',
        gap: 'var(--tb-sp-2)',
        marginTop: 'var(--tb-sp-2)',
      },
    });
    for (const cls of ASSET_CLASSES) {
      const input = el('input', {
        type: 'number',
        class: 'tb-input',
        min: '0', max: '100', step: '0.1',
        style: { fontFamily: 'var(--tb-font-mono)' },
        value: ((draft.allocation && draft.allocation[cls]) || 0) > 0
          ? ((draft.allocation[cls] * 100).toFixed(1))
          : '',
        oninput: () => updateAllocSum(),
      });
      refs.alloc[cls] = input;
      allocGrid.appendChild(el('div', { style: { display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)' } },
        el('span', { style: {
          width: '12px', height: '12px', borderRadius: '50%',
          background: ASSET_CLASS_COLOR[cls], display: 'inline-block', flexShrink: '0',
        } }),
        el('label', { style: { flex: '1', fontSize: 'var(--tb-fs-12)' } },
          t('assets.alloc.' + cls)),
        input,
        el('span', { style: { color: 'var(--tb-text-soft)' } }, '%'),
      ));
    }

    const allocFooter = el('div', {
      style: {
        display: 'flex', justifyContent: 'space-between', alignItems: 'center',
        marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)',
      },
    },
      el('button', {
        class: 'tb-btn tb-btn--ghost',
        type: 'button',
        style: { padding: '2px 10px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => {
          draft.allocation = defaultAllocFor(draft.tax_wrapper);
          syncAllocInputsFromDraft();
        },
      }, t('assets.alloc.useDefault')),
      el('div', null,
        el('span', { style: { color: 'var(--tb-text-soft)', marginRight: 'var(--tb-sp-1)' } },
          t('assets.alloc.sum')), allocSumLabel),
    );

    const allocWrap = el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label' }, t('assets.alloc.label')),
      el('div', { class: 'tb-field-help' }, t('assets.alloc.help')),
      allocGrid,
      allocFooter,
    );
    modal.appendChild(allocWrap);
    updateAllocSum();

    // When the wrapper changes and the user hasn't customized
    // allocation, slide the allocation inputs to the new default.
    // Detect "uncustomized" by comparing current draft to old wrapper's default.
    const __origToggleBasis = toggleBasisField;
    toggleBasisField = function () {
      __origToggleBasis();
      // If allocation matches old wrapper's default, swap to new wrapper's default.
      // Otherwise leave the user's customization alone.
      const newDefault = defaultAllocFor(draft.tax_wrapper);
      let isDefault = true;
      for (const cls of ASSET_CLASSES) {
        const cur = (draft.allocation && draft.allocation[cls]) || 0;
        const def = (defaultAllocFor(refs.tax_wrapper.dataset._lastWrapper || draft.tax_wrapper)[cls]) || 0;
        if (Math.abs(cur - def) > 0.001) { isDefault = false; break; }
      }
      if (isDefault) {
        draft.allocation = newDefault;
        syncAllocInputsFromDraft();
      }
      refs.tax_wrapper.dataset._lastWrapper = draft.tax_wrapper;
    };
    refs.tax_wrapper.dataset._lastWrapper = draft.tax_wrapper;

    // Beneficiary
    refs.beneficiary = el('input', {
      type: 'text', class: 'tb-input',
      value: draft.beneficiary || '',
      oninput: (e) => { draft.beneficiary = e.target.value || null; },
    });
    modal.appendChild(field('assets.field.beneficiary', refs.beneficiary, 'assets.field.beneficiary.help'));

    // FBAR linkage info (read-only) + Detach button.
    if (draft.fbar_account_id) {
      const fbarAcct = (TB.state.get('fbar.accounts') || []).find((fa) => fa.id === draft.fbar_account_id);
      const fbarBox = el('div', {
        style: {
          background: 'rgba(14, 42, 79, 0.06)',
          borderLeft: '3px solid var(--tb-navy)',
          borderRadius: 'var(--tb-radius-2)',
          padding: 'var(--tb-sp-3)',
          marginBottom: 'var(--tb-sp-4)',
        },
      },
        el('div', { style: { fontWeight: '600', marginBottom: '4px' } },
          '🔗 ' + t('assets.fbar.linked.label')),
        el('p', { class: 'tb-field-help', style: { margin: '0 0 var(--tb-sp-2)' } },
          t('assets.fbar.linked.detail') +
          (fbarAcct ? ' — ' + (fbarAcct.institution_name || '(unnamed)') : '')),
        el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '2px 10px', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-error)' },
          onclick: () => {
            if (!confirm(t('assets.fbar.detach.confirm'))) return;
            draft.fbar_account_id = null;
            // Re-render to remove this card from the modal
            close();
            upsertAccount(draft);
            rerender();
          },
        }, t('assets.fbar.detach.button')),
      );
      modal.appendChild(fbarBox);
    }

    // Notes
    refs.notes = el('textarea', {
      class: 'tb-textarea',
      oninput: (e) => { draft.notes = e.target.value; },
    });
    refs.notes.value = draft.notes || '';
    modal.appendChild(field('assets.field.notes', refs.notes, 'assets.field.notes.help'));

    // Updated date
    refs.updated_at = el('input', {
      type: 'date', class: 'tb-input',
      value: draft.updated_at || new Date().toISOString().slice(0, 10),
      onchange: (e) => { draft.updated_at = e.target.value || null; },
    });
    modal.appendChild(field('assets.field.updated_at', refs.updated_at));

    // Include in SOFA
    const incWrap = el('label', {
      class: 'tb-checkbox',
      style: { cursor: 'pointer' },
    });
    refs.include = el('input', {
      type: 'checkbox',
      checked: draft.include_in_sofa !== false,
      onchange: (e) => { draft.include_in_sofa = e.target.checked; },
    });
    incWrap.appendChild(refs.include);
    incWrap.appendChild(el('div', null,
      el('div', null, t('assets.field.include_in_sofa')),
      el('small', null, t('assets.field.include_in_sofa.help')),
    ));
    modal.appendChild(incWrap);

    // Close date
    refs.close_date = el('input', {
      type: 'date', class: 'tb-input',
      value: draft.close_date || '',
      onchange: (e) => { draft.close_date = e.target.value || null; },
    });
    modal.appendChild(field('assets.field.close_date', refs.close_date));

    // Transfer-to (only meaningful if close_date set)
    refs.transfer_to = el('input', {
      type: 'text', class: 'tb-input',
      value: draft.transfer_to || '',
      placeholder: lang === 'ja' ? '例: Navy Federal MMA' : 'e.g. Navy Federal MMA',
      oninput: (e) => { draft.transfer_to = e.target.value || null; },
    });
    modal.appendChild(field('assets.field.transfer_to', refs.transfer_to));

    // Buttons
    const btnRow = el('div', { class: 'tb-btn-row', style: { justifyContent: 'space-between', marginTop: 'var(--tb-sp-5)' } });

    const leftBtns = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    if (isEdit) {
      leftBtns.appendChild(el('button', {
        class: 'tb-btn tb-btn--danger',
        type: 'button',
        onclick: () => {
          if (window.confirm(t('assets.modal.delete.confirm'))) {
            deleteAccount(draft.id);
            close();
            rerender();
          }
        },
      }, t('assets.delete')));
    }

    const rightBtns = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    rightBtns.appendChild(el('button', {
      class: 'tb-btn tb-btn--secondary',
      type: 'button',
      onclick: close,
    }, t('assets.modal.cancel')));
    rightBtns.appendChild(el('button', {
      class: 'tb-btn',
      type: 'button',
      onclick: () => {
        // Read live allocation values from inputs, normalize, persist.
        // Treat blank inputs as 0; auto-normalize so save always
        // produces an allocation summing to 1.0 (or all-zero when
        // the user explicitly wants no allocation tracking).
        const rawAlloc = {};
        for (const cls of ASSET_CLASSES) {
          const v = parseFloat(refs.alloc[cls].value);
          rawAlloc[cls] = (isFinite(v) && v > 0) ? v / 100 : 0;
        }
        draft.allocation = normalizeAllocation(rawAlloc);
        upsertAccount(draft);
        close();
        rerender();
      },
    }, t('assets.modal.save')));

    btnRow.appendChild(leftBtns);
    btnRow.appendChild(rightBtns);
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ====================================================================
  // Survivor Binder export
  // ====================================================================
  //
  // Generates a printable HTML doc — what a spouse / executor / trusted
  // friend would need to find every account, the last-4 to disambiguate
  // it, the beneficiary, balance, and any close-date or notes. Opens
  // in a new window with print-optimized CSS and auto-triggers
  // window.print() on load.
  //
  // No PII leaves the browser — this is a pure local render.

  function escapeHtml(s) { return TB.utils.escapeHtml(s); }

  function buildSurvivorBinderHtml() {
    const profile = TB.state.get('profile') || {};
    const lang = TB.i18n.getLang();
    const t = TB.i18n.t;
    const todayIso = new Date().toISOString().slice(0, 10);
    const accounts = getActiveAccounts();

    // Sort: country (US, JP, OTHER), then institution alpha, then name.
    const countryOrder = { US: 1, JP: 2, OTHER: 3 };
    accounts.sort((a, b) => {
      const ca = countryOrder[a.country || 'OTHER'] || 99;
      const cb = countryOrder[b.country || 'OTHER'] || 99;
      if (ca !== cb) return ca - cb;
      const ia = (a.institution || '').toLowerCase();
      const ib = (b.institution || '').toLowerCase();
      if (ia !== ib) return ia.localeCompare(ib);
      return (a.name || '').localeCompare(b.name || '');
    });

    // Group by country → institution.
    const byCountryInst = {};
    for (const a of accounts) {
      const c = a.country || 'OTHER';
      const i = a.institution || (lang === 'ja' ? '(未指定)' : '(Unspecified)');
      if (!byCountryInst[c]) byCountryInst[c] = {};
      if (!byCountryInst[c][i]) byCountryInst[c][i] = [];
      byCountryInst[c][i].push(a);
    }

    const totalUsdVal = totalUsd();

    function fmtBalanceLine(a) {
      const native = fmtNative(a.balance_native, a.currency);
      if (!a.currency || a.currency === 'USD') return escapeHtml(native);
      const usd = TB.utils.formatUSD(toUsd(a.balance_native, a.currency), { maximumFractionDigits: 0 });
      return escapeHtml(native) + ' <span class="usd">(≈ ' + escapeHtml(usd) + ')</span>';
    }

    function accountBlock(a) {
      const wrapperLabel = t('assets.wrapper.' + (a.tax_wrapper || 'other'));
      const rows = [];
      rows.push('<tr><th>' + escapeHtml(t('assets.field.tax_wrapper')) + '</th><td>' + escapeHtml(wrapperLabel) + '</td></tr>');
      if (a.account_number_last4) {
        rows.push('<tr><th>' + escapeHtml(t('assets.field.account_number_last4')) + '</th><td><code>••••' + escapeHtml(a.account_number_last4) + '</code></td></tr>');
      }
      rows.push('<tr><th>' + escapeHtml(t('assets.field.balance')) + '</th><td>' + fmtBalanceLine(a) + '</td></tr>');
      if (a.basis_native != null) {
        rows.push('<tr><th>' + escapeHtml(t('assets.field.basis')) + '</th><td>' + escapeHtml(fmtNative(a.basis_native, a.currency)) + '</td></tr>');
      }
      if (a.beneficiary) {
        rows.push('<tr><th>' + escapeHtml(t('assets.field.beneficiary')) + '</th><td><strong>' + escapeHtml(a.beneficiary) + '</strong></td></tr>');
      }
      if (a.close_date) {
        const tx = a.transfer_to ? ' → ' + a.transfer_to : '';
        rows.push('<tr><th>' + escapeHtml(t('assets.field.close_date')) + '</th><td>' + escapeHtml(a.close_date + tx) + '</td></tr>');
      }
      rows.push('<tr><th>' + escapeHtml(t('assets.field.updated_at')) + '</th><td>' + escapeHtml(a.updated_at || '—') + '</td></tr>');
      if (a.notes) {
        rows.push('<tr><th>' + escapeHtml(t('assets.field.notes')) + '</th><td class="notes">' + escapeHtml(a.notes) + '</td></tr>');
      }

      return '' +
        '<div class="account">' +
          '<h4>' + escapeHtml(a.name || '(unnamed)') + '</h4>' +
          '<table>' + rows.join('') + '</table>' +
        '</div>';
    }

    function countrySection(country, label) {
      const insts = byCountryInst[country];
      if (!insts) return '';
      const instNames = Object.keys(insts).sort((x, y) => x.localeCompare(y));
      let html = '<section class="country-section"><h2>' + escapeHtml(label) + '</h2>';
      for (const inst of instNames) {
        html += '<div class="institution"><h3>' + escapeHtml(inst) + '</h3>';
        for (const a of insts[inst]) html += accountBlock(a);
        html += '</div>';
      }
      html += '</section>';
      return html;
    }

    const displayName = profile.displayName || (lang === 'ja' ? '(本人)' : '(Account holder)');

    const css = '' +
      '@page { size: A4; margin: 18mm; }' +
      'html, body { font-family: Georgia, "Times New Roman", serif; color: #111; line-height: 1.5; }' +
      'body { max-width: 760px; margin: 0 auto; padding: 24px; }' +
      'h1 { font-size: 22pt; margin: 0 0 6pt; }' +
      'h2 { font-size: 16pt; margin: 28pt 0 10pt; padding-bottom: 4pt; border-bottom: 2px solid #444; page-break-before: always; }' +
      'h2:first-of-type { page-break-before: auto; }' +
      'h3 { font-size: 13pt; margin: 18pt 0 6pt; color: #333; }' +
      'h4 { font-size: 12pt; margin: 10pt 0 4pt; }' +
      '.subtitle { color: #555; margin-top: 0; }' +
      '.summary-box { border: 1px solid #999; padding: 10pt 14pt; margin: 18pt 0; background: #fafafa; }' +
      '.summary-box .total { font-size: 20pt; font-weight: 700; }' +
      '.preamble { background: #fffaf0; border-left: 3px solid #b97a1a; padding: 10pt 14pt; margin: 14pt 0; font-size: 11pt; }' +
      '.account { margin: 8pt 0 14pt 0; padding: 6pt 0 0 0; border-top: 1px dotted #aaa; page-break-inside: avoid; }' +
      'table { width: 100%; border-collapse: collapse; font-size: 11pt; }' +
      'table th { text-align: left; font-weight: normal; color: #555; vertical-align: top; padding: 2pt 8pt 2pt 0; width: 28%; }' +
      'table td { padding: 2pt 0; vertical-align: top; }' +
      'td.notes { white-space: pre-wrap; color: #333; }' +
      '.usd { color: #777; }' +
      'code { font-family: "SFMono-Regular", Consolas, Menlo, monospace; font-size: 10.5pt; }' +
      'footer { margin-top: 36pt; padding-top: 10pt; border-top: 1px solid #aaa; color: #555; font-size: 9.5pt; line-height: 1.4; }' +
      '@media print { .no-print { display: none; } }';

    const preamble = lang === 'ja'
      ? 'これは Taigan Bridge から生成された口座一覧です。緊急時に家族や信頼できる人物が金融資産にアクセスするための補助資料として作成されました。'
      : 'This is an account inventory generated by Taigan Bridge. It is intended to help a spouse, executor, or trusted person locate and access financial accounts in an emergency.';
    const verifyNote = lang === 'ja'
      ? '残高や受取人指定は変更されることがあります。実行前に必ず各金融機関で最新情報を確認してください。'
      : 'Balances and beneficiary designations change. Always verify the current state with each institution before acting.';

    const titleStr = (lang === 'ja' ? 'Survivor Binder · 緊急時口座一覧' : 'Survivor Binder · Account Inventory');
    const generatedLabel = lang === 'ja' ? '作成日: ' : 'Generated: ';
    const totalLabel = t('assets.summary.total');
    const totalUsdLabel = lang === 'ja' ? 'USD 合計' : 'Total (USD)';
    const acctCountLabel = lang === 'ja' ? '口座数' : 'Active accounts';
    const printLabel = lang === 'ja' ? '印刷 / PDF 保存' : 'Print / Save as PDF';
    const closeLabel = lang === 'ja' ? '閉じる' : 'Close';

    const sections =
      countrySection('US',    lang === 'ja' ? '🇺🇸 米国口座' : '🇺🇸 United States') +
      countrySection('JP',    lang === 'ja' ? '🇯🇵 日本口座' : '🇯🇵 Japan')         +
      countrySection('OTHER', lang === 'ja' ? '🌐 その他'   : '🌐 Other');

    return '' +
      '<!DOCTYPE html><html lang="' + lang + '"><head><meta charset="utf-8">' +
      '<title>' + escapeHtml(titleStr) + ' — ' + escapeHtml(displayName) + '</title>' +
      '<style>' + css + '</style></head><body>' +
      '<div class="no-print" style="text-align:right; margin-bottom:12pt;">' +
        '<button onclick="window.print()" style="margin-right:6pt;">' + escapeHtml(printLabel) + '</button>' +
        '<button onclick="window.close()">' + escapeHtml(closeLabel) + '</button>' +
      '</div>' +
      '<h1>' + escapeHtml(titleStr) + '</h1>' +
      '<p class="subtitle">' + escapeHtml(displayName) + '  ·  ' + escapeHtml(generatedLabel + todayIso) + '</p>' +
      '<div class="preamble">' + escapeHtml(preamble) + '</div>' +
      '<div class="summary-box">' +
        '<div>' + escapeHtml(totalLabel) + '</div>' +
        '<div class="total">' + escapeHtml(TB.utils.formatUSD(totalUsdVal, { maximumFractionDigits: 0 })) + '</div>' +
        '<div style="margin-top:6pt; font-size:10pt; color:#555;">' +
          escapeHtml(acctCountLabel + ': ' + accounts.length) +
        '</div>' +
      '</div>' +
      sections +
      buildBinderDocumentsHtml(lang) +
      '<footer>' +
        '<div>' + escapeHtml(verifyNote) + '</div>' +
        '<div style="margin-top:6pt;">Generated by Taigan Bridge · 対岸 — financial planning organizer for Americans in Japan.</div>' +
      '</footer>' +
      '</body></html>';
  }

  // Build the Documents section of the Survivor Binder. Pulls from
  // TB.docVault.getDocsForBinder() — returns empty string if the
  // Document Vault module isn't loaded or has no items.
  function buildBinderDocumentsHtml(lang) {
    if (!TB.docVault || typeof TB.docVault.getDocsForBinder !== 'function') return '';
    const groups = TB.docVault.getDocsForBinder();
    if (!groups || groups.length === 0) return '';
    const sectionTitle = lang === 'ja' ? '📄 重要書類' : '📄 Important Documents';
    const sectionIntro = lang === 'ja'
      ? '実物の保管場所(下記)を確認してください。本書類はインベントリのみで、原本のスキャンは含まれません。'
      : 'Look up the storage location (below) for each document. This binder is an inventory only — original scans are NOT stored here.';
    let html = '<section class="country-section"><h2>' + escapeHtml(sectionTitle) + '</h2>';
    html += '<p style="font-style: italic; color: #555;">' + escapeHtml(sectionIntro) + '</p>';
    for (const group of groups) {
      const groupLabel = group.emoji + ' ' + (lang === 'ja' ? group.label_jp : group.label_en);
      html += '<div class="institution"><h3>' + escapeHtml(groupLabel) + '</h3>';
      for (const it of group.items) {
        const typeLabel = (TB.docVault.typeLabel && TB.docVault.typeLabel(it.type, lang)) || it.type;
        const rows = [];
        rows.push('<tr><th>' + escapeHtml(lang === 'ja' ? '種類' : 'Type') + '</th><td>' + escapeHtml(typeLabel) + '</td></tr>');
        if (it.person_name) {
          rows.push('<tr><th>' + escapeHtml(lang === 'ja' ? '対象者' : 'Person') + '</th><td>' + escapeHtml(it.person_name) + '</td></tr>');
        }
        if (it.reference_number_last4) {
          rows.push('<tr><th>' + escapeHtml(lang === 'ja' ? '番号(下4桁)' : 'Ref # (last 4)') + '</th><td><code>••••' + escapeHtml(it.reference_number_last4) + '</code></td></tr>');
        }
        if (it.issuing_authority) {
          rows.push('<tr><th>' + escapeHtml(lang === 'ja' ? '発行元' : 'Issuing authority') + '</th><td>' + escapeHtml(it.issuing_authority) + '</td></tr>');
        }
        if (it.issue_date) {
          rows.push('<tr><th>' + escapeHtml(lang === 'ja' ? '発行日' : 'Issued') + '</th><td>' + escapeHtml(it.issue_date) + '</td></tr>');
        }
        if (it.expiry_date) {
          rows.push('<tr><th>' + escapeHtml(lang === 'ja' ? '有効期限' : 'Expires') + '</th><td><strong>' + escapeHtml(it.expiry_date) + '</strong></td></tr>');
        }
        if (it.storage_location) {
          rows.push('<tr><th>' + escapeHtml(lang === 'ja' ? '📍 保管場所' : '📍 Storage location') + '</th><td><strong>' + escapeHtml(it.storage_location) + '</strong></td></tr>');
        }
        if (it.notes) {
          rows.push('<tr><th>' + escapeHtml(lang === 'ja' ? '備考' : 'Notes') + '</th><td class="notes">' + escapeHtml(it.notes) + '</td></tr>');
        }
        html += '<div class="account">' +
          '<h4>' + escapeHtml(it.title || typeLabel) + '</h4>' +
          '<table>' + rows.join('') + '</table>' +
        '</div>';
      }
      html += '</div>';
    }
    html += '</section>';
    return html;
  }

  function openSurvivorBinder() {
    const html = buildSurvivorBinderHtml();
    const w = window.open('', '_blank');
    if (!w) {
      alert('Pop-up blocked — allow pop-ups for this site to open the Survivor Binder.');
      return;
    }
    w.document.open();
    w.document.write(html);
    w.document.close();
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id,
    label_en: 'Assets',
    label_jp: '資産',
    render,
  };

  // Action Center generators — surface the new review-card insights as
  // dashboard action items so users see them without opening Assets.
  function genBeneficiaryMissing() {
    const out = [];
    const missing = accountsMissingBeneficiary();
    if (missing.length === 0) return out;
    out.push({
      id: 'assets_beneficiary_missing',
      group: 'assets', urgency: 'medium', icon: '👥',
      title: missing.length + (missing.length === 1 ? ' account has' : ' accounts have') + ' no beneficiary',
      body: 'POD/TOD beneficiaries bypass probate AND surface in your survivor binder. Quick fix — open Assets and click "+ Add" on each row in the Beneficiary Review card.',
      module: 'assets', snoozable: true,
    });
    return out;
  }
  function genTaxLossOpportunity() {
    const out = [];
    const m = new Date().getMonth() + 1;
    // Only fire in Oct-Dec — the harvesting window before year-end.
    if (m < 10) return out;
    const opps = scanTaxLossHarvest({ minLossUsd: 1000 });
    if (opps.length === 0) return out;
    const totalLoss = opps.reduce((s, o) => s + o.loss_usd, 0);
    out.push({
      id: 'assets_tlh_opportunity_' + new Date().getFullYear(),
      group: 'assets', urgency: 'low', icon: '🍂',
      title: 'Tax-loss harvesting: ' + Math.round(totalLoss).toLocaleString() + ' in unrealized losses',
      body: opps.length + ' US position(s) sit below cost basis. Selling before Dec 31 realizes the loss; offsets up to $3,000/yr of ordinary income or unlimited capital gains. Mind the 30-day wash-sale rule.',
      module: 'assets', snoozable: true,
    });
    return out;
  }

  // Public API consumed by other modules (notably SOFA Roth Planner).
  window.TB.assets = {
    aggregateForSofa,
    totalUsd,
    totalUsdByCountry,
    totalUsdByWrapper,
    getActiveAccounts,
    getAccountsForWrapper,
    WRAPPERS,
    WRAPPER_BY_ID,
    toUsd,
    fxIsLive,
    buildSurvivorBinderHtml,
    openSurvivorBinder,
    // Snapshot management — used by Net Worth & Reports module.
    takeSnapshot,
    deleteSnapshot,
    portfolioAllocation,
    // Asset deepening (v0.35) — analytical helpers for other modules
    // (CPA briefing, year-end checkup, projections).
    computeUnrealizedGain,
    unrealizedGainSummary,
    accountsMissingBeneficiary,
    scanTaxLossHarvest,
    yoyChangePerAccount,
    // Action Center surfacing
    actionGenerators: [genBeneficiaryMissing, genTaxLossOpportunity],
  };
})();

</script>
  <script data-source="scripts/modules/projections.js">
/* Taigan Bridge — modules/projections.js
 *
 * Financial Projections (v0.7.x — Phase 1)
 *
 * Year-by-year wealth projection engine. Reads starting balances and
 * allocation from assets.accounts (no double entry), reads 住民票 date
 * and tax assumptions from sofa.profile / sofa.tax_assumptions, and
 * produces a per-year row stream of balances, contributions,
 * withdrawals, taxes, Social Security, and net monthly income.
 *
 * Three tabs:
 *   • Inputs       — career, retirement timing, growth, drawdown order
 *   • Projection   — headline tiles + SVG chart + per-year breakdown
 *   • Tax Strategy — SOFA-aware Roth window, RMD reminder, bracket fill
 *
 * Tax model (Phase 1 — intentionally simplified, deepens in later phases):
 *   • Pre-住民票 — U.S. tax only. Trad IRA/401k → ordinary income at
 *     us_marginal_pct. Taxable brokerage assumed 50% gain at us_ltcg_pct.
 *     Treasuries assumed 40% interest at ordinary income.
 *     Roth/HSA/banking principal → 0.
 *   • Post-住民票 — Japan ALSO taxes everything as ordinary income or
 *     LTCG (Roth not recognized). Layered on top of U.S. tax.
 *
 * Chart: vanilla SVG, no CDN. Stacked bars for accumulation,
 * line overlay for distribution, dual y-axis (portfolio left,
 * monthly income right).
 */

(function () {
  'use strict';

  const id = 'projections';

  // ====================================================================
  // State accessors
  // ====================================================================

  function getInputs() {
    return Object.assign({}, TB.state.get('projections.inputs') || {});
  }
  function setInputField(field, value) {
    const i = getInputs();
    i[field] = value;
    TB.state.set('projections.inputs', i);
  }
  function getUiState() {
    return Object.assign({}, TB.state.get('projections.ui_state') || { active_tab: 'projection' });
  }
  function setUiField(field, value) {
    const u = getUiState();
    u[field] = value;
    TB.state.set('projections.ui_state', u);
  }

  // ====================================================================
  // Compute engine — pure functions
  // ====================================================================

  // 2024 IRS 401(k) elective deferral limit ($23,000), grown at a
  // 2.5%/year inflation assumption. SECURE 2.0 catch-up structure:
  //   • Age 50-59 / 64+ : +$7,500 (regular catch-up)
  //   • Age 60-63       : +$11,250 (Section 109 enhanced — 150% of std)
  //
  // Returns a detail object so callers can show which tier applies
  // and route catch-up dollars to the right wrapper (e.g., Section 603
  // high-earner Roth requirement).
  function irs401kLimitDetail(year, age, catchUpEnabled) {
    const inflation = Math.pow(1.025, year - 2024);
    const base = 23000 * inflation;
    let catchUp = 0;
    let catchUpKind = null; // null | 'standard50' | 'secure_60_63'
    if (catchUpEnabled && age >= 50) {
      if (age >= 60 && age <= 63) {
        catchUp = 11250 * inflation;
        catchUpKind = 'secure_60_63';
      } else {
        catchUp = 7500 * inflation;
        catchUpKind = 'standard50';
      }
    }
    return { base, catchUp, total: base + catchUp, catchUpKind, inflation };
  }
  // Back-compat alias — returns just the total. Kept so external
  // callers (TB.projections.irs401kLimit in the public API) don't break.
  function irs401kLimit(year, age, catchUpEnabled) {
    return irs401kLimitDetail(year, age, catchUpEnabled).total;
  }

  // SECURE 2.0 Section 603 — starting 2026, catch-up contributions
  // for "high earners" (prior-year FICA wages > $145K, indexed)
  // MUST go into a Roth account. If the user is over the threshold,
  // the engine routes the catch-up portion to the Roth 401(k) account
  // (falling back to the Trad 401(k) only if no Roth 401(k) exists,
  // and surfaces a warning in milestones). The base contribution
  // continues to follow the user's chosen Trad/Roth split.
  const SECTION_603_THRESHOLD_2024 = 145000;
  function section603HighEarner(year, priorYearSalary) {
    if (year < 2026) return false;
    const inflation = Math.pow(1.025, year - 2024);
    return priorYearSalary > SECTION_603_THRESHOLD_2024 * inflation;
  }

  // Find a Roth 401(k)-ish account for routing Section 603 catch-up.
  function pickRoth401k(accountState) {
    for (const a of accountState) {
      if (a.tax_wrapper === 'roth_401k' && !a.closed) return a;
    }
    return null;
  }

  // ─── Phase 4 tax helpers: NIIT / IRMAA / state / SS COLA ──────────

  // NIIT (Net Investment Income Tax) — 3.8% on net investment
  // income above MAGI thresholds. Thresholds inflation-adjusted at
  // the 2.5% baseline (in line with how IRS has historically moved
  // them — actual indexing started 2024).
  const NIIT_THRESHOLDS_2024 = {
    single: 200000, mfs: 125000, mfj: 250000, hoh: 200000,
  };
  function niitThreshold(filingStatus, year) {
    const inflation = Math.pow(1.025, Math.max(0, year - 2024));
    return (NIIT_THRESHOLDS_2024[filingStatus] || NIIT_THRESHOLDS_2024.mfj) * inflation;
  }

  // Compute NIIT for a year given the investment income (LTCG +
  // dividends + interest portion of distributions) and MAGI proxy
  // (total taxable income for the year). Returns 0 if disabled or
  // below threshold.
  function computeNiit(investmentIncome, magi, filingStatus, year, enabled) {
    if (!enabled) return 0;
    const threshold = niitThreshold(filingStatus, year);
    if (magi <= threshold) return 0;
    const overage = magi - threshold;
    const taxableInvIncome = Math.min(investmentIncome, overage);
    return Math.max(0, taxableInvIncome * 0.038);
  }

  // IRMAA — Medicare Part B + D income-related surcharge tiers.
  // Tiers from 2024 (single/MFJ); we estimate a per-person monthly
  // surcharge that grows with MAGI. Lookup uses MAGI from 2 years
  // prior (real IRS lag).
  // Returns annual surcharge dollars (12 × monthly).
  const IRMAA_TIERS_SINGLE = [
    { magi:        0, surcharge: 0 },     // standard premium only
    { magi:   103000, surcharge: 69 },    // tier 1
    { magi:   129000, surcharge: 173 },   // tier 2
    { magi:   161000, surcharge: 277 },   // tier 3
    { magi:   193000, surcharge: 381 },   // tier 4
    { magi:   500000, surcharge: 416 },   // tier 5 (cap)
  ];
  const IRMAA_TIERS_MFJ = [
    { magi:        0, surcharge: 0 },
    { magi:   206000, surcharge: 69 },
    { magi:   258000, surcharge: 173 },
    { magi:   322000, surcharge: 277 },
    { magi:   386000, surcharge: 381 },
    { magi:  1000000, surcharge: 416 },
  ];
  function irmaaSurcharge(magi, filingStatus, year) {
    const tiers = (filingStatus === 'mfj') ? IRMAA_TIERS_MFJ : IRMAA_TIERS_SINGLE;
    const inflation = Math.pow(1.025, Math.max(0, year - 2024));
    let monthly = 0;
    for (const t of tiers) {
      if (magi >= t.magi * inflation) monthly = t.surcharge * inflation;
      else break;
    }
    return monthly * 12;
  }

  // State tax — simple flat % on taxable income (rough but useful).
  function computeStateTax(taxableIncome, statePct) {
    if (!statePct || statePct <= 0) return 0;
    return taxableIncome * (statePct / 100);
  }

  // ─── Roth conversion processing (Phase 3) ─────────────────────────
  //
  // Each conversion moves `amount` USD from the largest available
  // Traditional wrapper (traditional_401k_tsp first, then traditional_ira)
  // to the largest Roth wrapper (roth_401k first, then roth_ira). The
  // converted amount is added to the year's ordinary income and taxed
  // at the user's US marginal rate (and JP marginal rate post-住民票,
  // which is exactly the trap the SOFA Roth Planner exists to surface).
  //
  // Returns { converted, us_tax, jp_tax } so the caller can record
  // these in the row separately from withdrawal taxes.

  function pickTradAccount(accountState) {
    for (const w of ['traditional_401k_tsp', 'traditional_ira']) {
      let best = null;
      for (const a of accountState) {
        if (a.tax_wrapper === w && !a.closed && a.balance_usd > 0) {
          if (!best || a.balance_usd > best.balance_usd) best = a;
        }
      }
      if (best) return best;
    }
    return null;
  }
  function pickRothAccount(accountState) {
    for (const w of ['roth_401k', 'roth_ira']) {
      let best = null;
      for (const a of accountState) {
        if (a.tax_wrapper === w && !a.closed) {
          if (!best || a.balance_usd > best.balance_usd) best = a;
        }
      }
      if (best) return best;
    }
    return null;
  }

  function processRothConversion(accountState, requested, isPostJuminhyou, taxAssump) {
    if (!requested || requested <= 0) return { converted: 0, us_tax: 0, jp_tax: 0 };
    const trad = pickTradAccount(accountState);
    if (!trad) return { converted: 0, us_tax: 0, jp_tax: 0, no_trad: true };
    const roth = pickRothAccount(accountState);
    if (!roth) return { converted: 0, us_tax: 0, jp_tax: 0, no_roth: true };
    const actual = Math.min(requested, trad.balance_usd);
    trad.balance_usd -= actual;
    if (trad.balance_usd <= 0.01) { trad.balance_usd = 0; trad.closed = true; }
    roth.balance_usd += actual;
    // Tax: ordinary-income treatment in both jurisdictions when
    // post-住民票. Pre-住民票 = US only.
    const usOrd = (taxAssump.us_marginal_pct || 22) / 100;
    const jpOrd = (taxAssump.jp_marginal_pct || 25) / 100;
    return {
      converted: actual,
      us_tax: actual * usOrd,
      jp_tax: isPostJuminhyou ? actual * jpOrd : 0,
    };
  }

  // ─── Early-withdrawal penalty model (Rule of 55) ──────────────────
  //
  // Phase 2 addition: a 10% (or 20% for HSA) federal early-withdrawal
  // penalty applies when distributions come out of certain wrappers
  // before age 59½ (or 65 for HSA). Rule of 55 exempts 401(k)/TSP/
  // 403(b) distributions if the participant separated from service
  // in or after the year they turn 55 (i.e., retire_age >= 55).
  //
  // Caveats: doesn't model 72(t) SEPP, doesn't model the Roth 5-year
  // rule (treats Roth 401(k) as covered by Rule of 55 when applicable;
  // treats Roth IRA as fully penalized for simplicity — which is wrong
  // for contribution-portion withdrawals but right enough for planning).
  function computePenalty(byWrapper, age, retireAge) {
    if (age >= 59.5) return 0; // standard exemption age
    let pen = 0;
    for (const [w, amt] of Object.entries(byWrapper || {})) {
      if (!amt) continue;
      // Employer plans — Rule of 55 exempts when separated at 55+.
      if (w === 'traditional_401k_tsp' || w === 'roth_401k') {
        if (retireAge >= 55) continue;
        pen += amt * 0.10;
      }
      // IRAs — Rule of 55 does NOT apply. Always 10% before 59½.
      else if (w === 'traditional_ira' || w === 'roth_ira') {
        pen += amt * 0.10;
      }
      // HSA — 20% (not 10%) before age 65, only on non-medical withdrawals.
      // We can't tell medical from non-medical at projection time; assume
      // worst case (non-medical) and let the user see the cost.
      else if (w === 'hsa' && age < 65) {
        pen += amt * 0.20;
      }
    }
    return pen;
  }

  // SS benefit multiplier vs. PIA (the 100% benefit at FRA = 67).
  // 70% at age 62 (early), 124% at age 70 (delayed). Linear-ish
  // interpolation that matches the SSA published reduction/credit
  // schedule closely enough for planning use.
  function ssBenefitMultiplier(startAge) {
    if (startAge <= 62) return 0.70;
    if (startAge >= 70) return 1.24;
    if (startAge < 67) return 0.70 + (startAge - 62) * (0.30 / 5);
    return 1.00 + (startAge - 67) * (0.24 / 3);
  }

  // Convert allocation map → blended growth rate using per-class rates
  // from inputs. Returns a decimal (e.g., 0.063 = 6.3%).
  function blendGrowthRate(alloc, inputs) {
    const a = alloc || {};
    return (
      (a.equity_us    || 0) * (inputs.growth_equity_us_pct    / 100) +
      (a.equity_intl  || 0) * (inputs.growth_equity_intl_pct  / 100) +
      (a.bond         || 0) * (inputs.growth_bond_pct         / 100) +
      (a.cash         || 0) * (inputs.growth_cash_pct         / 100) +
      (a.real_estate  || 0) * (inputs.growth_real_estate_pct  / 100) +
      (a.alternative  || 0) * (inputs.growth_alternative_pct  / 100)
    );
  }

  // Resolve allocation: prefer account.allocation, fall back to wrapper
  // default from the assets module.
  function resolveAllocation(account) {
    if (TB.assets && typeof TB.assets.getActiveAccounts === 'function') {
      const explicit = account && account.allocation;
      const hasAny = explicit && Object.values(explicit).some((v) => Number(v) > 0);
      if (hasAny) return explicit;
    }
    // Fallback wrapper-driven default
    const wrappers = (TB.assets && TB.assets.WRAPPER_BY_ID) || {};
    const defaults = {
      taxable_brokerage:    { equity_us: 0.85, equity_intl: 0.15 },
      traditional_ira:      { equity_us: 0.70, equity_intl: 0.20, bond: 0.10 },
      traditional_401k_tsp: { equity_us: 0.70, equity_intl: 0.20, bond: 0.10 },
      roth_ira:             { equity_us: 0.70, equity_intl: 0.20, bond: 0.10 },
      roth_401k:            { equity_us: 0.70, equity_intl: 0.20, bond: 0.10 },
      hsa: { cash: 1 }, us_checking: { cash: 1 }, us_savings: { cash: 1 }, us_cd: { cash: 1 },
      jp_savings: { cash: 1 }, jp_checking: { cash: 1 }, jp_fixed_deposit: { cash: 1 },
      us_savings_bond: { bond: 1 }, us_treasury: { bond: 1 },
      us_real_estate: { real_estate: 1 }, '529': { equity_us: 0.85, bond: 0.15 },
      rsu_unvested: { equity_us: 1 }, nso_iso: { equity_us: 1 }, deferred_comp: { equity_us: 1 },
      other: { cash: 1 },
    };
    return defaults[(account && account.tax_wrapper) || 'other'] || { cash: 1 };
  }

  // Pick the "primary" 401(k)-ish account to credit annual employee
  // contribs + employer match into. Order: traditional_401k_tsp first
  // (most common), then roth_401k, then traditional_ira, roth_ira.
  // Returns null when no eligible account exists.
  function pickPrimary401k(accountState) {
    const order = ['traditional_401k_tsp', 'roth_401k', 'traditional_ira', 'roth_ira'];
    for (const wrapper of order) {
      for (const a of accountState) {
        if (a.tax_wrapper === wrapper && !a.closed) return a;
      }
    }
    return null;
  }

  // Sum balances across all non-closed accounts.
  function sumPortfolio(accountState) {
    let sum = 0;
    for (const a of accountState) if (!a.closed) sum += a.balance_usd;
    return sum;
  }

  // Apply withdrawal across accounts in the configured drawdown order.
  // Returns { actual_withdrawn, by_wrapper: { wrapper_id: amount } }.
  // Mutates accountState (subtracts balances, marks closed when zeroed).
  function applyDrawdown(accountState, target, drawdownOrder) {
    let remaining = target;
    const byWrapper = {};
    for (const wrapper of drawdownOrder) {
      if (remaining <= 0) break;
      for (const a of accountState) {
        if (a.tax_wrapper !== wrapper || a.closed) continue;
        const take = Math.min(a.balance_usd, remaining);
        a.balance_usd -= take;
        remaining -= take;
        byWrapper[wrapper] = (byWrapper[wrapper] || 0) + take;
        if (a.balance_usd <= 0.01) {
          a.balance_usd = 0;
          a.closed = true;
        }
      }
    }
    return { actual: target - remaining, by_wrapper: byWrapper };
  }

  // U.S. federal tax on the year's withdrawals. Simplified Phase-1
  // model — see header comment for caveats.
  function computeUsTax(byWrapper, taxAssump) {
    const ord = (taxAssump.us_marginal_pct || 22) / 100;
    const ltcg = (taxAssump.us_ltcg_pct || 15) / 100;
    let tax = 0;
    for (const [w, amt] of Object.entries(byWrapper || {})) {
      if (w === 'traditional_ira' || w === 'traditional_401k_tsp') tax += amt * ord;
      else if (w === 'taxable_brokerage')                          tax += amt * 0.5 * ltcg;
      else if (w === 'us_savings_bond' || w === 'us_treasury')     tax += amt * 0.4 * ord;
      // roth_ira / roth_401k / hsa / banking / real_estate principal: 0
    }
    return tax;
  }

  // Japan tax stacked on top of U.S. tax once 住民票 is registered.
  // Roth wrappers are NOT recognized — JP taxes their distributions
  // as ordinary income.
  function computeJpTax(byWrapper, taxAssump) {
    const ord = (taxAssump.jp_marginal_pct || 25) / 100;
    const ltcg = (taxAssump.jp_ltcg_pct || 20.315) / 100;
    let tax = 0;
    for (const [w, amt] of Object.entries(byWrapper || {})) {
      if (w === 'traditional_ira' || w === 'traditional_401k_tsp' ||
          w === 'roth_ira' || w === 'roth_401k') {
        tax += amt * ord;
      } else if (w === 'taxable_brokerage') {
        tax += amt * 0.5 * ltcg;
      } else if (w === 'us_savings_bond' || w === 'us_treasury') {
        tax += amt * 0.4 * ord;
      }
    }
    return tax;
  }

  // ====================================================================
  // Roth Conversion Ladder Optimizer (v0.36)
  // ====================================================================
  //
  // Computes the optimal annual Roth conversion ladder by filling the
  // user's target US bracket each year between now and 住民票
  // registration (after which JP also taxes the conversion as ordinary
  // income, making it punitive).
  //
  // Strategy:
  //   For each pre-住民票 year, project base taxable income (salary +
  //   taxable SS + 4% withdrawal proxy if drawing) − standard deduction,
  //   then convert ENOUGH to fill the chosen bracket without spilling
  //   into the next. Cap at remaining Traditional balance.
  //
  // Fact-check anchor: 2025 IRS brackets + standard deductions. Future
  // years inflation-adjust at 2.5% (matching irs401kLimit + niitThreshold).
  //
  // US 2025 bracket tops (single):
  //   10%   $11,925  /  12%   $48,475  /  22%  $103,350
  //   24%  $197,300  /  32%  $250,525  /  35%  $626,350  /  37% >$626,350
  // MFJ 2025:
  //   10%   $23,850  /  12%   $96,950  /  22%  $206,700
  //   24%  $394,600  /  32%  $501,050  /  35%  $751,600  /  37% >$751,600
  // Standard deduction 2025:
  //   single $15,000  /  mfj $30,000  /  mfs $15,000  /  hoh $22,500

  const US_BRACKETS_2025 = {
    single: [
      { rate: 10, top: 11925 },
      { rate: 12, top: 48475 },
      { rate: 22, top: 103350 },
      { rate: 24, top: 197300 },
      { rate: 32, top: 250525 },
      { rate: 35, top: 626350 },
      { rate: 37, top: Infinity },
    ],
    mfs: [
      { rate: 10, top: 11925 },
      { rate: 12, top: 48475 },
      { rate: 22, top: 103350 },
      { rate: 24, top: 197300 },
      { rate: 32, top: 250525 },
      { rate: 35, top: 375800 },
      { rate: 37, top: Infinity },
    ],
    mfj: [
      { rate: 10, top: 23850 },
      { rate: 12, top: 96950 },
      { rate: 22, top: 206700 },
      { rate: 24, top: 394600 },
      { rate: 32, top: 501050 },
      { rate: 35, top: 751600 },
      { rate: 37, top: Infinity },
    ],
    hoh: [
      { rate: 10, top: 17000 },
      { rate: 12, top: 64850 },
      { rate: 22, top: 103350 },
      { rate: 24, top: 197300 },
      { rate: 32, top: 250500 },
      { rate: 35, top: 626350 },
      { rate: 37, top: Infinity },
    ],
  };
  const US_STD_DEDUCTION_2025 = { single: 15000, mfs: 15000, mfj: 30000, hoh: 22500 };

  function bracketsForYear(filingStatus, year) {
    const baseFs = (filingStatus && US_BRACKETS_2025[filingStatus]) ? filingStatus : 'mfj';
    const inflation = Math.pow(1.025, year - 2025);
    return US_BRACKETS_2025[baseFs].map((b) => ({
      rate: b.rate,
      top: isFinite(b.top) ? b.top * inflation : Infinity,
    }));
  }

  function stdDeductionForYear(filingStatus, year) {
    const base = US_STD_DEDUCTION_2025[filingStatus] != null
      ? US_STD_DEDUCTION_2025[filingStatus] : US_STD_DEDUCTION_2025.mfj;
    return base * Math.pow(1.025, year - 2025);
  }

  // "Top of bracket" lookup — for a given filing status + target rate
  // (e.g., 22), returns the top dollar amount of THAT bracket (i.e.,
  // the most you can earn and still pay no more than 22% on any dollar).
  function bracketTopAtRate(filingStatus, year, targetRate) {
    const brackets = bracketsForYear(filingStatus, year);
    const b = brackets.find((x) => x.rate === targetRate);
    return b ? b.top : null;
  }

  // Compute taxable Social Security. SSA Provisional Income method:
  //   • Up to 50% of benefits taxable when combined income exceeds
  //     base ($25k single / $32k MFJ)
  //   • Up to 85% taxable when combined income exceeds upper ($34k / $44k)
  // For optimizer purposes we use the 85% upper-bound for any year SS
  // is being claimed AND base income > upper threshold — most retirees
  // with $100k+ income hit this. Conservative for ladder sizing.
  function taxableSsForOptimizer(ssMonthly, otherIncome, filingStatus) {
    if (!ssMonthly || ssMonthly <= 0) return 0;
    const annualSs = ssMonthly * 12;
    const upper = filingStatus === 'mfj' ? 44000 : 34000;
    if (otherIncome + annualSs * 0.5 > upper) return annualSs * 0.85;
    const lower = filingStatus === 'mfj' ? 32000 : 25000;
    if (otherIncome + annualSs * 0.5 > lower) return annualSs * 0.50;
    return 0;
  }

  // Optimizer entry point. Returns an array of { year, age, amount_usd,
  // base_taxable, headroom, target_top, capped_by } sorted by year.
  // capped_by ∈ 'bracket' (filled to top) | 'balance' (ran out of Trad)
  // | 'window' (last year before 住民票).
  //
  // opts:
  //   target_rate    : 12 | 22 | 24 | 32 (default 22)
  //   stop_at_juminhyou : default true — skip conversions in/after 住民票 year
  //   include_post_retire_acceleration : default true — in pre-RMD post-retire
  //                    years with very low income, push to TOP of bracket
  //   max_per_year   : optional cap (e.g., user only wants $X/yr max)
  function optimizeRothLadder(inputs, accounts, sofaProfile, opts) {
    opts = opts || {};
    const targetRate = opts.target_rate || 22;
    const stopAtJ = opts.stop_at_juminhyou !== false;
    const accelerate = opts.include_post_retire_acceleration !== false;
    const maxPerYear = opts.max_per_year != null ? Number(opts.max_per_year) : null;

    const startYear = new Date().getFullYear();
    const startAge = inputs.current_age;
    const filingStatus = inputs.filing_status || 'mfj';

    // Determine 住民票 year (last optimal year is the one before it).
    let juminhyouYear = null;
    if (sofaProfile && sofaProfile.juminhyou_target_date) {
      const m = String(sofaProfile.juminhyou_target_date).match(/^(\d{4})/);
      if (m) juminhyouYear = parseInt(m[1], 10);
    }

    // Total Traditional balance available to convert. Optimizer won't
    // recommend more than this in aggregate.
    let tradBalance = 0;
    for (const a of accounts) {
      if (a.tax_wrapper === 'traditional_ira' || a.tax_wrapper === 'traditional_401k_tsp') {
        tradBalance += TB.assets.toUsd(a.balance_native, a.currency) || 0;
      }
    }
    if (tradBalance <= 0) return { rows: [], total_converted_usd: 0, reason: 'no_trad_balance' };

    // Horizon — extend out to retirement + 5 (cap at 住民票 if set).
    const endYear = juminhyouYear != null && stopAtJ
      ? juminhyouYear - 1
      : Math.max(startYear + (inputs.retire_age - inputs.current_age) + 5, startYear + 3);
    if (endYear <= startYear) return { rows: [], total_converted_usd: 0, reason: 'window_closed' };

    const rows = [];
    let remainingBalance = tradBalance;

    for (let year = startYear + 1; year <= endYear; year++) {
      if (remainingBalance <= 0) break;
      const age = startAge + (year - startYear);

      // Estimated base taxable income for the year:
      //   salary while working
      //   taxable SS once claimed
      //   small drawdown proxy if retired (4% of taxable brokerage est.)
      let baseTaxableIncome = 0;
      const retireYear = startYear + (inputs.retire_age - inputs.current_age);
      const isWorking = year < retireYear;
      if (isWorking && inputs.current_salary_usd) {
        const yearsFromNow = year - startYear;
        baseTaxableIncome += (inputs.current_salary_usd || 0) * Math.pow(1.03, yearsFromNow);
      }
      // SS taxable portion if claimed
      if (inputs.ss_start_age && age >= inputs.ss_start_age) {
        const monthly = (inputs.ss_monthly_at_70_usd || 0) * ssBenefitMultiplier(inputs.ss_start_age);
        baseTaxableIncome += taxableSsForOptimizer(monthly, baseTaxableIncome, filingStatus);
      }
      // Subtract standard deduction
      const stdDed = stdDeductionForYear(filingStatus, year);
      const taxableBeforeConv = Math.max(0, baseTaxableIncome - stdDed);

      // Compute bracket headroom — amount of conversion that fills
      // the target bracket without spilling.
      const targetTop = bracketTopAtRate(filingStatus, year, targetRate);
      if (targetTop == null) continue;
      let headroom = Math.max(0, targetTop - taxableBeforeConv);

      // In post-retirement, pre-RMD years (62 → 72), be more aggressive:
      // these are typically very low-income years where a 22-24% bracket
      // fill is the highest-leverage move. Already handled by the
      // headroom math, but skip the noise floor.
      if (accelerate && !isWorking && age >= 62 && age <= 72) {
        // Push to top of next-higher bracket if user picked 22% but
        // headroom there is already > $100k (signals they have lots
        // of room to convert at low rates).
        const nextTier = targetRate === 22 ? 24 : targetRate === 24 ? 32 : null;
        if (nextTier && headroom > 100000) {
          const nextTop = bracketTopAtRate(filingStatus, year, nextTier);
          if (nextTop != null) {
            // Don't actually expand — but flag this for the UI to
            // show "consider 24% bracket here for $X more conversion".
          }
        }
      }

      if (maxPerYear != null) headroom = Math.min(headroom, maxPerYear);

      // Cap at remaining balance
      let amount = Math.min(headroom, remainingBalance);
      // Skip tiny amounts — they're not worth the recordkeeping
      if (amount < 1000) continue;
      // Round to nearest $1k for a cleaner ladder
      amount = Math.round(amount / 1000) * 1000;
      if (amount <= 0) continue;

      const capped_by = (amount >= headroom - 1) ? 'bracket' :
                        (amount >= remainingBalance - 1) ? 'balance' : 'partial';
      rows.push({
        year, age,
        amount_usd: amount,
        base_taxable: Math.round(baseTaxableIncome),
        target_top: Math.round(targetTop),
        headroom: Math.round(headroom),
        capped_by,
        approx_us_tax: amount * targetRate / 100,
      });
      remainingBalance -= amount;
    }

    // Tag the last row's reason for stopping the ladder.
    if (rows.length > 0 && stopAtJ && juminhyouYear != null && rows[rows.length - 1].year === juminhyouYear - 1) {
      rows[rows.length - 1].capped_by = 'window';
    }

    const totalConverted = rows.reduce((s, r) => s + r.amount_usd, 0);
    const totalUsTax = rows.reduce((s, r) => s + r.approx_us_tax, 0);
    return {
      rows,
      total_converted_usd: totalConverted,
      total_us_tax_usd: totalUsTax,
      remaining_trad_balance_usd: remainingBalance,
      juminhyou_year: juminhyouYear,
      target_rate: targetRate,
      effective_rate_pct: totalConverted > 0 ? (totalUsTax / totalConverted) * 100 : 0,
    };
  }

  // The main projection engine. Pure function — does not touch state.
  // Returns { rows: [...], totals: {...}, milestones: {...} }.
  function computeProjection(inputs, accounts, sofaProfile, sofaTaxAssump) {
    const startYear = new Date().getFullYear();
    const startAge = inputs.current_age;
    const endAge = Math.max(startAge + 1, inputs.project_to_age);

    // Snapshot per-account state. Allocation resolved once at start —
    // we do not model glide-path rebalancing in v1.
    // Phase 2: capture close_date and transfer_to so events can fire
    // during the year loop. close_year is parsed from the YYYY-MM-DD
    // string; transfer_to is matched by name + institution at the
    // start of the year that includes close_date.
    const toUsd = (TB.assets && TB.assets.toUsd) || ((amt) => amt || 0);
    const accountState = (accounts || []).map((a) => ({
      id: a.id,
      name: a.name || '',
      institution: a.institution || '',
      tax_wrapper: a.tax_wrapper || 'other',
      currency: a.currency || 'USD',
      balance_usd: toUsd(a.balance_native, a.currency),
      allocation: resolveAllocation(a),
      blended_growth: 0,
      close_year: a.close_date && /^\d{4}/.test(a.close_date) ? parseInt(a.close_date.slice(0, 4), 10) : null,
      transfer_to: a.transfer_to || null,
      closed: false,
    }));

    // Build a name → account-state map for transfer-to resolution.
    function findTransferTarget(transferTo, fromAcct) {
      if (!transferTo) return null;
      const t = String(transferTo).toLowerCase();
      // Try exact "Institution -- Name", just Name, or just Institution.
      for (const a of accountState) {
        if (a.id === fromAcct.id || a.closed) continue;
        const inst = (a.institution || '').toLowerCase();
        const name = (a.name || '').toLowerCase();
        const combo = (inst + ' -- ' + name).toLowerCase();
        if (combo === t || name === t || inst === t) return a;
        if (t.indexOf(name) >= 0 && name) return a;
      }
      return null;
    }
    for (const a of accountState) a.blended_growth = blendGrowthRate(a.allocation, inputs);

    const juminhyouDate = sofaProfile && sofaProfile.juminhyou_target_date;
    const juminhyouYear = juminhyouDate && /^\d{4}/.test(juminhyouDate)
      ? parseInt(juminhyouDate.slice(0, 4), 10) : null;
    const taxAssump = sofaTaxAssump || {};

    const dampener = (inputs.retirement_growth_dampener_pct || 70) / 100;
    const floor = (inputs.retirement_growth_floor_pct || 4) / 100;

    const rows = [];
    let depleted = false;

    for (let age = startAge; age <= endAge; age++) {
      const year = startYear + (age - startAge);
      const isWorkingYear = age < inputs.retire_age;
      const isPostJuminhyou = juminhyouYear != null && year >= juminhyouYear;

      // 1. Salary
      const yearsWorked = age - startAge;
      const salary = isWorkingYear
        ? inputs.base_salary_usd * Math.pow(1 + (inputs.salary_growth_pct || 0) / 100, yearsWorked)
        : 0;

      // 2. Contributions + employer match (working years only).
      // SECURE 2.0 catch-up structure tracked separately so the UI
      // can show "$7.5K (50+)" or "$11.25K (60-63)" inline.
      let empContrib = 0;
      let catchUpContrib = 0;
      let catchUpKind = null;
      let employerMatch = 0;
      let priorYearSalary = 0;
      if (isWorkingYear && salary > 0) {
        const limit = irs401kLimitDetail(year, age, !!inputs.catch_up_at_50);
        const target = salary * (inputs.contrib_401k_pct || 0) / 100;
        // Allocate base limit first, catch-up second. The base number
        // is what shows up under the standard contribution; the
        // catch-up is a separate display line.
        const baseFill = Math.min(target, limit.base);
        const catchUpFill = Math.max(0, Math.min(target - baseFill, limit.catchUp));
        empContrib = baseFill;
        catchUpContrib = catchUpFill;
        catchUpKind = catchUpFill > 0 ? limit.catchUpKind : null;
        // Employer match capped at the input ceiling; LM-style 100%-on-6%
        // + 4% auto = 10% default. Real plan rules vary; user adjusts.
        employerMatch = salary * Math.min(inputs.employer_match_max_pct || 0, 100) / 100;
        // Prior-year salary for Section 603 evaluation — for the FIRST
        // year we don't have history; use current salary as a reasonable
        // approximation (within 3% inflation, the threshold check is
        // effectively the same).
        priorYearSalary = (yearsWorked > 0)
          ? inputs.base_salary_usd * Math.pow(1 + (inputs.salary_growth_pct || 0) / 100, yearsWorked - 1)
          : salary;
      }
      const section603Active = isWorkingYear && catchUpContrib > 0 &&
        section603HighEarner(year, priorYearSalary);

      // 2.4. Roth conversions for this year. Fires BEFORE growth so
      // the converted dollars compound in Roth (tax-free) for the
      // remainder of the year, and BEFORE close-date events so
      // conversions can drain a Trad account that's about to close.
      let conversionAmount = 0;
      let conversionUsTax = 0;
      let conversionJpTax = 0;
      let conversionWarnings = [];
      const yearConversions = (inputs.roth_conversions || []).filter((c) => c.year === year && c.amount_usd > 0);
      for (const c of yearConversions) {
        const r = processRothConversion(accountState, c.amount_usd, isPostJuminhyou, taxAssump);
        conversionAmount += r.converted;
        conversionUsTax  += r.us_tax;
        conversionJpTax  += r.jp_tax;
        if (r.no_trad) conversionWarnings.push('no_trad');
        if (r.no_roth) conversionWarnings.push('no_roth');
      }

      // 2.5. Account close_date events. Fires AT THE START of the
      // close_year — the account stops growing for that year and its
      // balance transfers to the designated target (or, if none, just
      // closes and the user's drawdown sequencing picks up from the
      // remaining accounts). Tracked in row.events for display.
      const yearEvents = [];
      for (const a of accountState) {
        if (a.closed || a.close_year !== year) continue;
        const target = findTransferTarget(a.transfer_to, a);
        if (target) {
          target.balance_usd += a.balance_usd;
          yearEvents.push({
            type: 'transfer',
            from_id: a.id, from_name: a.name,
            to_id: target.id, to_name: target.name,
            amount_usd: a.balance_usd,
          });
        } else {
          yearEvents.push({
            type: 'close',
            from_id: a.id, from_name: a.name,
            amount_usd: a.balance_usd,
          });
        }
        a.balance_usd = 0;
        a.closed = true;
      }

      // 3. Per-account growth
      for (const a of accountState) {
        if (a.closed) continue;
        const g = isWorkingYear ? a.blended_growth : Math.max(a.blended_growth * dampener, floor);
        a.balance_usd = a.balance_usd * (1 + g);
      }

      // 4. Credit contributions to accounts.
      //   • Base + employer match → primary 401(k) account
      //   • Catch-up:
      //       - Section 603 active → must go to Roth 401(k) if available;
      //         otherwise still credited to primary with a warning milestone
      //       - Otherwise → primary 401(k) (mirrors base contribution)
      const primary = pickPrimary401k(accountState);
      if (primary && (empContrib + employerMatch) > 0) {
        primary.balance_usd += empContrib + employerMatch;
      }
      let section603RothMissing = false;
      if (catchUpContrib > 0) {
        if (section603Active) {
          const rothTarget = pickRoth401k(accountState);
          if (rothTarget) {
            rothTarget.balance_usd += catchUpContrib;
          } else {
            // No Roth 401(k) account — credit to primary anyway but
            // flag the issue. Real-world: the user must open one or
            // forfeit the catch-up.
            if (primary) primary.balance_usd += catchUpContrib;
            section603RothMissing = true;
          }
        } else if (primary) {
          primary.balance_usd += catchUpContrib;
        }
      }

      // 5. Withdrawal + tax + early-withdrawal penalty (retirement years).
      let target = 0, drawResult = { actual: 0, by_wrapper: {} };
      let usTax = 0, jpTax = 0, penalty = 0;
      if (!isWorkingYear) {
        const totalNow = sumPortfolio(accountState);
        target = inputs.monthly_target_usd
          ? inputs.monthly_target_usd * 12
          : totalNow * (inputs.withdrawal_rate_pct || 0) / 100;
        drawResult = applyDrawdown(accountState, target, inputs.drawdown_order || []);
        usTax = computeUsTax(drawResult.by_wrapper, taxAssump);
        jpTax = isPostJuminhyou ? computeJpTax(drawResult.by_wrapper, taxAssump) : 0;
        penalty = computePenalty(drawResult.by_wrapper, age, inputs.retire_age);
      }

      // 6. Social Security with annual COLA inflation. Benefit at
      // start age uses ssBenefitMultiplier; each subsequent year
      // grows by ss_cola_pct (separate from general inflation so
      // user can model COLA suppression scenarios).
      let ssAnnual = 0;
      if (age >= inputs.ss_start_age) {
        const baseBenefit = inputs.ss_monthly_at_70_usd * 12 * ssBenefitMultiplier(inputs.ss_start_age);
        const yearsCollecting = age - inputs.ss_start_age;
        const cola = (inputs.ss_cola_pct || 0) / 100;
        ssAnnual = baseBenefit * Math.pow(1 + cola, yearsCollecting);
      }

      // 6.5. Phase 4 — additional taxes/fees layered on the year's
      // total income picture. NIIT and state tax based on combined
      // ordinary + investment income. IRMAA based on MAGI from 2
      // years prior (real IRS lag).
      let niit = 0;
      let stateTax = 0;
      let irmaa = 0;
      if (!isWorkingYear) {
        // MAGI proxy = withdrawal + conversion + SS (taxable portion
        // approximated as 85% — common simplification for high-income).
        const ssTaxablePortion = ssAnnual * 0.85;
        const magi = drawResult.actual + conversionAmount + ssTaxablePortion;
        // Investment income portion = LTCG + dividends/interest from
        // taxable_brokerage and treasury wrappers.
        const invIncome = (drawResult.by_wrapper.taxable_brokerage || 0) * 0.5
                        + (drawResult.by_wrapper.us_savings_bond || 0) * 0.4
                        + (drawResult.by_wrapper.us_treasury || 0) * 0.4;
        niit = computeNiit(invIncome, magi, inputs.filing_status, year, inputs.niit_enabled);
        stateTax = computeStateTax(magi, inputs.state_tax_pct);
        // IRMAA at 65+. Uses MAGI from 2 years prior — look up the
        // row that's already been computed.
        if (age >= 65 && inputs.irmaa_enabled) {
          const lookbackRow = rows.find((r) => r.year === year - 2);
          const magiLookback = lookbackRow ? (lookbackRow.withdraw_actual + (lookbackRow.roth_conversion || 0) + lookbackRow.ss_annual * 0.85) : magi;
          irmaa = irmaaSurcharge(magiLookback, inputs.filing_status, year);
        }
      } else {
        // Working years — state tax on salary.
        stateTax = computeStateTax(salary, inputs.state_tax_pct);
      }

      // 7. Milestones
      const milestones = [];
      if (age === inputs.retire_age) milestones.push('retire');
      if (age === inputs.ss_start_age) milestones.push('ss_start');
      if (age === 50 && inputs.catch_up_at_50) milestones.push('catch_up');
      if (age === 60 && inputs.catch_up_at_50) milestones.push('catch_up_secure');
      if (age === 64 && inputs.catch_up_at_50) milestones.push('catch_up_revert');
      if (age === 55 && inputs.retire_age >= 55 && inputs.retire_age < 60) milestones.push('rule_of_55');
      if (Math.abs(age - 59.5) < 0.5) milestones.push('age_59_half');
      if (age === 65) milestones.push('medicare');
      if (age === 73) milestones.push('rmd');
      if (year === juminhyouYear) milestones.push('juminhyou');
      if (section603Active) milestones.push('section_603');
      if (section603RothMissing) milestones.push('section_603_no_roth');
      if (conversionAmount > 0) milestones.push('roth_conversion');
      if (conversionWarnings.indexOf('no_trad') !== -1) milestones.push('roth_conversion_no_trad');
      if (conversionWarnings.indexOf('no_roth') !== -1) milestones.push('roth_conversion_no_roth');

      const totalUsd = sumPortfolio(accountState);
      if (!depleted && !isWorkingYear && totalUsd <= 0) {
        milestones.push('depleted');
        depleted = true;
      }

      rows.push({
        year, age,
        phase: isWorkingYear ? 'accum' : 'dist',
        salary,
        emp_contrib: empContrib,
        catch_up_contrib: catchUpContrib,
        catch_up_kind: catchUpKind, // 'standard50' | 'secure_60_63' | null
        section_603_active: section603Active,
        employer_match: employerMatch,
        total_usd: totalUsd,
        by_account: accountState.map((a) => ({
          id: a.id, name: a.name, tax_wrapper: a.tax_wrapper,
          balance_usd: a.balance_usd, closed: a.closed,
        })),
        withdraw_target: target,
        withdraw_actual: drawResult.actual,
        withdraw_by_wrapper: drawResult.by_wrapper,
        us_tax: usTax + conversionUsTax,           // include conversion tax
        jp_tax: jpTax + conversionJpTax,
        penalty,                                    // Phase 2 early-withdrawal penalty
        roth_conversion: conversionAmount,          // Phase 3
        roth_conversion_us_tax: conversionUsTax,
        roth_conversion_jp_tax: conversionJpTax,
        // Phase 4 — additional taxes/fees
        niit,
        state_tax: stateTax,
        irmaa,
        ss_annual: ssAnnual,
        net_monthly_usd: ((drawResult.actual - usTax - jpTax - penalty - conversionUsTax - conversionJpTax - niit - stateTax - irmaa) + ssAnnual) / 12,
        is_post_juminhyou: isPostJuminhyou,
        milestones,
        events: yearEvents,
      });

      if (depleted && totalUsd <= 0 && ssAnnual <= 0) break;
    }

    // Compute headline summary tiles.
    const tileFor = (targetAge) => rows.find((r) => r.age === targetAge) || null;
    const summary = {
      portfolio_at_retire: tileFor(inputs.retire_age) ? tileFor(inputs.retire_age).total_usd : null,
      portfolio_at_80: tileFor(80) ? tileFor(80).total_usd : null,
      portfolio_at_90: tileFor(90) ? tileFor(90).total_usd : null,
      monthly_draw_at_retire: tileFor(inputs.retire_age) ? tileFor(inputs.retire_age).withdraw_actual / 12 : null,
      ss_monthly_at_start: inputs.ss_monthly_at_70_usd * ssBenefitMultiplier(inputs.ss_start_age),
      depletion_age: rows.find((r) => r.milestones.indexOf('depleted') !== -1) ? rows.find((r) => r.milestones.indexOf('depleted') !== -1).age : null,
      total_monthly_at_retire: (() => {
        const r = tileFor(inputs.retire_age);
        if (!r) return null;
        return r.net_monthly_usd;
      })(),
    };

    return { rows, summary, juminhyou_year: juminhyouYear };
  }

  // ====================================================================
  // Tab rendering
  // ====================================================================

  let host = null;
  let cachedResult = null;

  function render(container) {
    host = container;
    container.innerHTML = '';
    container.appendChild(buildScenarioBar());
    container.appendChild(buildShellCard());
    const tabHost = TB.utils.el('div', { id: 'tb-proj-tab-host' });
    container.appendChild(tabHost);
    renderActiveTab();
  }

  // ─── Scenarios bar ────────────────────────────────────────────────
  //
  // Persistent bar above the tabs. Active scenario dropdown + Save /
  // Save as new / Duplicate / Delete buttons. Marks "(unsaved)" when
  // the working inputs differ from the active scenario's saved copy.

  function buildScenarioBar() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const scenarios = TB.state.get('projections.scenarios') || [];
    const ui = getUiState();
    const inputs = getInputs();
    const active = scenarios.find((s) => s.id === ui.scenario_id) || null;
    const isDirty = active ? !inputsEqual(active.inputs, inputs) : scenarios.length > 0;

    const card = el('div', { class: 'tb-card', 'data-track': 'core', style: { padding: 'var(--tb-sp-3) var(--tb-sp-4)', marginBottom: 'var(--tb-sp-3)' } });

    const row = el('div', {
      style: {
        display: 'flex', flexWrap: 'wrap', alignItems: 'center', gap: 'var(--tb-sp-2)',
      },
    });

    row.appendChild(el('span', {
      style: { fontWeight: '600', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', letterSpacing: '0.04em', textTransform: 'uppercase', marginRight: 'var(--tb-sp-2)' },
    }, t('proj.scenario.title')));

    const select = el('select', {
      class: 'tb-select',
      style: { maxWidth: '260px', minWidth: '180px' },
      onchange: (e) => {
        const id = e.target.value || null;
        if (!id) {
          setUiField('scenario_id', null);
          render(host);
          return;
        }
        const s = scenarios.find((x) => x.id === id);
        if (!s) return;
        TB.state.set('projections.inputs', Object.assign({}, s.inputs));
        setUiField('scenario_id', id);
        render(host);
      },
    });
    select.appendChild(el('option', { value: '' }, t('proj.scenario.draft')));
    for (const s of scenarios) {
      const opt = el('option', { value: s.id }, s.name);
      if (s.id === ui.scenario_id) opt.selected = true;
      select.appendChild(opt);
    }
    row.appendChild(select);

    if (isDirty && active) {
      row.appendChild(el('span', {
        style: { color: 'var(--tb-warn)', fontSize: 'var(--tb-fs-12)', fontStyle: 'italic' },
      }, t('proj.scenario.unsaved')));
    }

    // Save (overwrite active)
    if (active) {
      row.appendChild(el('button', {
        class: 'tb-btn',
        type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => {
          const list = (TB.state.get('projections.scenarios') || []).map((s) =>
            s.id === active.id ? Object.assign({}, s, { inputs: Object.assign({}, inputs) }) : s,
          );
          TB.state.set('projections.scenarios', list);
          render(host);
        },
      }, t('proj.scenario.save')));
    }

    // Save as new
    row.appendChild(el('button', {
      class: 'tb-btn tb-btn--secondary',
      type: 'button',
      style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
      onclick: () => {
        const name = prompt(t('proj.scenario.namePrompt'), defaultScenarioName(scenarios));
        if (!name) return;
        const newScen = {
          id: TB.utils.uuid(),
          name: name.trim(),
          created_at: new Date().toISOString(),
          inputs: Object.assign({}, inputs),
        };
        const list = (TB.state.get('projections.scenarios') || []).slice();
        list.push(newScen);
        TB.state.set('projections.scenarios', list);
        setUiField('scenario_id', newScen.id);
        render(host);
      },
    }, '+ ' + t('proj.scenario.saveAs')));

    // Compare — only useful when there are 2+ saved scenarios.
    if (scenarios.length >= 2) {
      row.appendChild(el('button', {
        class: 'tb-btn tb-btn--secondary',
        type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openComparisonModal(),
      }, '🔀 ' + t('proj.scenario.compare')));
    }

    // Duplicate
    if (active) {
      row.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost',
        type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => {
          const newScen = {
            id: TB.utils.uuid(),
            name: active.name + ' (copy)',
            created_at: new Date().toISOString(),
            inputs: Object.assign({}, inputs),
          };
          const list = (TB.state.get('projections.scenarios') || []).slice();
          list.push(newScen);
          TB.state.set('projections.scenarios', list);
          setUiField('scenario_id', newScen.id);
          render(host);
        },
      }, t('proj.scenario.duplicate')));

      row.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost',
        type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-error)' },
        onclick: () => {
          if (!confirm(t('proj.scenario.deleteConfirm', { name: active.name }))) return;
          const list = (TB.state.get('projections.scenarios') || []).filter((s) => s.id !== active.id);
          TB.state.set('projections.scenarios', list);
          setUiField('scenario_id', null);
          render(host);
        },
      }, '🗑'));
    }

    card.appendChild(row);

    if (scenarios.length > 0) {
      card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)', marginBottom: 0 } },
        t('proj.scenario.help')));
    }

    return card;
  }

  // Compare two inputs objects field-by-field. Used to flag "unsaved"
  // when working inputs differ from the active scenario's saved copy.
  function inputsEqual(a, b) {
    if (!a || !b) return a === b;
    const keys = new Set([...Object.keys(a), ...Object.keys(b)]);
    for (const k of keys) {
      const va = a[k], vb = b[k];
      if (Array.isArray(va) && Array.isArray(vb)) {
        if (va.length !== vb.length) return false;
        for (let i = 0; i < va.length; i++) if (va[i] !== vb[i]) return false;
      } else if (va !== vb) {
        return false;
      }
    }
    return true;
  }

  function defaultScenarioName(existing) {
    const base = 'Scenario ' + ((existing && existing.length) ? existing.length + 1 : 1);
    return base;
  }

  // ─── Scenario comparison modal (Phase 3) ──────────────────────────
  //
  // 2-way side-by-side comparison. User picks scenario A and B from
  // dropdowns; we compute both projections and show paired headline
  // tiles with deltas (e.g., "Portfolio at 80: $4.2M (Scenario B is
  // +$340K vs Scenario A)"). Underneath, paired lifetime tax totals
  // and a quick-glance "Which is better?" verdict by net portfolio
  // outcome.

  function computeScenarioResult(scenarioInputs) {
    const accounts = (TB.assets && TB.assets.getActiveAccounts)
      ? TB.assets.getActiveAccounts() : [];
    const sofaProfile = TB.state.get('sofa.profile') || {};
    const sofaTaxAssump = TB.state.get('sofa.tax_assumptions') || {};
    return computeProjection(scenarioInputs, accounts, sofaProfile, sofaTaxAssump);
  }

  // Two-line overlay chart for the Compare modal. No bars / no
  // hover panel — just both totals on the same axes so the user
  // can see the divergence point and outcome gap.
  function renderComparisonSvg(ra, rb, nameA, nameB) {
    const W = 820, H = 280;
    const padL = 64, padR = 24, padT = 16, padB = 36;
    const innerW = W - padL - padR;
    const innerH = H - padT - padB;

    const all = ra.rows.concat(rb.rows);
    const yearMin = all.reduce((m, r) => Math.min(m, r.year), Infinity);
    const yearMax = all.reduce((m, r) => Math.max(m, r.year), -Infinity);
    const yearSpan = Math.max(yearMax - yearMin, 1);
    const maxTotal = all.reduce((m, r) => Math.max(m, r.total_usd), 0);
    const yMax = niceCeil(maxTotal * 1.1);

    const xFor = (y) => padL + ((y - yearMin) / yearSpan) * innerW;
    const yFor = (v) => padT + innerH - (v / yMax) * innerH;

    const svg = svgEl('svg', {
      viewBox: '0 0 ' + W + ' ' + H, width: '100%',
      style: 'background: var(--tb-bg-elev); border: 1px solid var(--tb-border); border-radius: var(--tb-radius-2);',
    });

    // Y gridlines + labels
    const ySteps = 4;
    for (let i = 0; i <= ySteps; i++) {
      const v = yMax * (i / ySteps);
      const y = yFor(v);
      svg.appendChild(svgEl('line', {
        x1: padL, y1: y, x2: W - padR, y2: y,
        stroke: 'var(--tb-border)', 'stroke-dasharray': '2,3',
      }));
      svg.appendChild(svgEl('text', {
        x: padL - 6, y: y + 4, 'text-anchor': 'end',
        'font-size': '10', fill: 'var(--tb-text-soft)',
      }, fmtAxisM(v)));
    }

    // X-axis year ticks every ~5y
    const tickEvery = Math.max(1, Math.round(yearSpan / 8));
    for (let yr = yearMin; yr <= yearMax; yr++) {
      if ((yr - yearMin) % tickEvery !== 0 && yr !== yearMax) continue;
      svg.appendChild(svgEl('text', {
        x: xFor(yr), y: H - padB + 14, 'text-anchor': 'middle',
        'font-size': '10', fill: 'var(--tb-text-soft)',
      }, String(yr)));
    }

    function pathFor(rows, color, dash) {
      if (!rows.length) return null;
      const d = rows.map((r, i) =>
        (i === 0 ? 'M' : 'L') + xFor(r.year).toFixed(1) + ',' + yFor(r.total_usd).toFixed(1)
      ).join(' ');
      return svgEl('path', {
        d, fill: 'none', stroke: color, 'stroke-width': '2.5',
        'stroke-dasharray': dash || '',
      });
    }
    svg.appendChild(pathFor(ra.rows, '#D4A017'));
    svg.appendChild(pathFor(rb.rows, 'var(--tb-navy)'));

    // Mark divergence point — first year where totals differ by >5%.
    const aByYear = {}; ra.rows.forEach((r) => { aByYear[r.year] = r.total_usd; });
    const divergeYear = rb.rows.find((r) => {
      const aVal = aByYear[r.year];
      if (!aVal || aVal === 0) return false;
      return Math.abs(r.total_usd - aVal) / aVal > 0.05;
    });
    if (divergeYear) {
      const x = xFor(divergeYear.year);
      svg.appendChild(svgEl('line', {
        x1: x, y1: padT, x2: x, y2: padT + innerH,
        stroke: 'var(--tb-text-soft)', 'stroke-dasharray': '4,4', 'stroke-width': '1',
      }));
      svg.appendChild(svgEl('text', {
        x, y: padT - 4, 'text-anchor': 'middle',
        'font-size': '9', fill: 'var(--tb-text-soft)',
      }, 'diverge ' + divergeYear.year));
    }

    return svg;
  }

  function openComparisonModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const scenarios = TB.state.get('projections.scenarios') || [];
    if (scenarios.length < 2) return;

    // Default selections: first two scenarios.
    let aId = scenarios[0].id;
    let bId = scenarios[1].id;

    function close() { root.innerHTML = ''; }

    function render() {
      const a = scenarios.find((s) => s.id === aId);
      const b = scenarios.find((s) => s.id === bId);
      if (!a || !b) return;
      const ra = computeScenarioResult(a.inputs);
      const rb = computeScenarioResult(b.inputs);

      const backdrop = el('div', { class: 'tb-modal-backdrop' });
      const modal = el('div', { class: 'tb-modal', style: { maxWidth: '900px' } });
      backdrop.appendChild(modal);
      backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });
      modal.appendChild(el('button', {
        class: 'tb-modal-close', type: 'button', onclick: close,
      }, '✕'));
      modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('proj.compare.title')));
      modal.appendChild(el('p', { class: 'tb-field-help' }, t('proj.compare.help')));

      // Scenario picker row
      function pick(side, currentId, onChange) {
        const sel = el('select', {
          class: 'tb-select',
          style: { flex: '1', maxWidth: '320px' },
          onchange: (e) => onChange(e.target.value),
        });
        for (const s of scenarios) {
          const opt = el('option', { value: s.id }, s.name);
          if (s.id === currentId) opt.selected = true;
          sel.appendChild(opt);
        }
        return sel;
      }
      modal.appendChild(el('div', {
        style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)', marginBottom: 'var(--tb-sp-4)' },
      },
        el('div', null,
          el('label', { class: 'tb-field-label' }, t('proj.compare.scenarioA')),
          pick('a', aId, (id) => { aId = id; render(); }),
        ),
        el('div', null,
          el('label', { class: 'tb-field-label' }, t('proj.compare.scenarioB')),
          pick('b', bId, (id) => { bId = id; render(); }),
        ),
      ));

      // Compare tiles
      function pairedTile(labelKey, va, vb, mode, atAge) {
        const opts = mode === 'mo' ? { suffix: '/mo' } : {};
        const valNode = (v) => (v != null && isFinite(v))
          ? fmtCurrencyPair(v, opts)
          : document.createTextNode('—');
        const delta = (va != null && vb != null) ? (vb - va) : null;
        const deltaPct = (va != null && va !== 0 && vb != null) ? ((vb - va) / Math.abs(va)) * 100 : null;
        const sign = (delta != null && delta >= 0) ? '+' : '';
        const deltaColor = delta == null ? 'var(--tb-text-soft)'
                         : delta >= 0 ? 'var(--tb-success)' : 'var(--tb-error)';
        const inlineOpts = Object.assign({}, opts, { layout: 'inline' });
        const deltaRow = delta != null ? el('div', {
          style: { color: deltaColor, fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)', marginTop: '4px' },
        },
          el('span', null, sign),
          fmtCurrencyPair(delta, inlineOpts),
          el('span', null, deltaPct != null ? ' (' + sign + deltaPct.toFixed(1) + '%)' : ''),
        ) : null;
        return el('div', {
          style: {
            background: 'var(--tb-bg)', border: '1px solid var(--tb-border)',
            borderRadius: 'var(--tb-radius-2)', padding: 'var(--tb-sp-3)',
          },
        },
          el('div', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)' } },
            t(labelKey) + (atAge != null ? ' ' + t('proj.tile.at_age', { age: atAge }) : '')),
          el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: '8px', marginTop: '4px' } },
            el('div', null,
              el('div', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)' } }, a.name),
              el('div', { style: { fontWeight: '700', fontFamily: 'var(--tb-font-mono)' } }, valNode(va)),
            ),
            el('div', null,
              el('div', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)' } }, b.name),
              el('div', { style: { fontWeight: '700', fontFamily: 'var(--tb-font-mono)' } }, valNode(vb)),
            ),
          ),
          deltaRow,
        );
      }

      const sa = ra.summary, sb = rb.summary;
      modal.appendChild(el('div', {
        style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(240px, 1fr))', gap: 'var(--tb-sp-3)' },
      },
        pairedTile('proj.tile.portfolio_at_retire', sa.portfolio_at_retire, sb.portfolio_at_retire, 'usd', a.inputs.retire_age),
        pairedTile('proj.tile.monthly_draw',        sa.monthly_draw_at_retire, sb.monthly_draw_at_retire, 'mo'),
        pairedTile('proj.tile.total_monthly',       sa.total_monthly_at_retire, sb.total_monthly_at_retire, 'mo'),
        pairedTile('proj.tile.portfolio_at_80',     sa.portfolio_at_80, sb.portfolio_at_80, 'usd'),
        pairedTile('proj.tile.portfolio_at_90',     sa.portfolio_at_90, sb.portfolio_at_90, 'usd'),
      ));

      // ─── Overlay chart — both total-portfolio lines on one SVG ────
      const chartCard = el('div', {
        style: {
          marginTop: 'var(--tb-sp-3)',
          background: 'var(--tb-bg)',
          border: '1px solid var(--tb-border)',
          borderRadius: 'var(--tb-radius-2)',
          padding: 'var(--tb-sp-3)',
        },
      });
      chartCard.appendChild(el('h3', { style: { marginTop: 0 } }, t('proj.compare.chart.title')));
      chartCard.appendChild(renderComparisonSvg(ra, rb, a.name, b.name));
      // Mini legend
      chartCard.appendChild(el('div', {
        style: { display: 'flex', gap: 'var(--tb-sp-3)', marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)' },
      },
        el('span', { style: { display: 'inline-flex', alignItems: 'center', gap: '4px' } },
          el('span', { style: { width: '12px', height: '3px', background: '#D4A017', display: 'inline-block' } }),
          el('span', null, a.name)),
        el('span', { style: { display: 'inline-flex', alignItems: 'center', gap: '4px' } },
          el('span', { style: { width: '12px', height: '3px', background: 'var(--tb-navy)', display: 'inline-block' } }),
          el('span', null, b.name)),
      ));
      modal.appendChild(chartCard);

      // Lifetime totals + verdict
      function sumOver(rows, key) { let s = 0; for (const r of rows) s += (r[key] || 0); return s; }
      const aUs = sumOver(ra.rows, 'us_tax');
      const aJp = sumOver(ra.rows, 'jp_tax');
      const aPen = sumOver(ra.rows, 'penalty');
      const bUs = sumOver(rb.rows, 'us_tax');
      const bJp = sumOver(rb.rows, 'jp_tax');
      const bPen = sumOver(rb.rows, 'penalty');
      const aLifetime = aUs + aJp + aPen;
      const bLifetime = bUs + bJp + bPen;

      const taxCard = el('div', {
        style: {
          background: 'var(--tb-bg)', border: '1px solid var(--tb-border)',
          borderRadius: 'var(--tb-radius-2)', padding: 'var(--tb-sp-3)',
          marginTop: 'var(--tb-sp-3)',
        },
      });
      taxCard.appendChild(el('h3', { style: { marginTop: 0 } }, t('proj.compare.lifetime')));
      taxCard.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
        el('div', null,
          el('div', { style: { fontWeight: '600', marginBottom: '4px' } }, a.name),
          el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)' } },
            t('proj.tax.lifetime.us') + ': ', fmtCurrencyPair(aUs, { layout: 'inline' })),
          el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)' } },
            t('proj.tax.lifetime.jp') + ': ', fmtCurrencyPair(aJp, { layout: 'inline' })),
          aPen > 0 ? el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-error)' } },
            t('proj.tax.lifetime.penalty') + ': ', fmtCurrencyPair(aPen, { layout: 'inline' })) : null,
          el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700', marginTop: '4px' } },
            t('proj.compare.totalTax') + ': ', fmtCurrencyPair(aLifetime, { layout: 'inline' })),
        ),
        el('div', null,
          el('div', { style: { fontWeight: '600', marginBottom: '4px' } }, b.name),
          el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)' } },
            t('proj.tax.lifetime.us') + ': ', fmtCurrencyPair(bUs, { layout: 'inline' })),
          el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)' } },
            t('proj.tax.lifetime.jp') + ': ', fmtCurrencyPair(bJp, { layout: 'inline' })),
          bPen > 0 ? el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-error)' } },
            t('proj.tax.lifetime.penalty') + ': ', fmtCurrencyPair(bPen, { layout: 'inline' })) : null,
          el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700', marginTop: '4px' } },
            t('proj.compare.totalTax') + ': ', fmtCurrencyPair(bLifetime, { layout: 'inline' })),
        ),
      ));

      // Verdict — by portfolio at end-of-projection (most actionable
      // single number; lower lifetime tax is good but doesn't tell
      // the whole story).
      const aLast = ra.rows[ra.rows.length - 1];
      const bLast = rb.rows[rb.rows.length - 1];
      const aEnd = aLast ? aLast.total_usd : 0;
      const bEnd = bLast ? bLast.total_usd : 0;
      const winner = aEnd > bEnd ? a : b;
      const margin = Math.abs(aEnd - bEnd);
      taxCard.appendChild(el('div', {
        style: {
          marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'rgba(47, 111, 78, 0.08)', borderRadius: 'var(--tb-radius-1)',
          fontWeight: '600',
        },
      },
        el('span', null, t('proj.compare.verdict.lead', { name: winner.name }) + ' '),
        fmtCurrencyPair(margin, { layout: 'inline' }),
        el('span', null, ' ' + t('proj.compare.verdict.trail')),
      ));
      modal.appendChild(taxCard);

      modal.appendChild(el('div', {
        style: { display: 'flex', justifyContent: 'flex-end', marginTop: 'var(--tb-sp-3)' },
      },
        el('button', {
          class: 'tb-btn tb-btn--secondary', type: 'button',
          onclick: close,
        }, t('assets.modal.close')),
      ));

      root.innerHTML = '';
      root.appendChild(backdrop);
    }

    render();
  }

  function buildShellCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const ui = getUiState();
    const tabs = [
      { id: 'projection',    label: t('proj.tab.projection') },
      { id: 'inputs',        label: t('proj.tab.inputs') },
      { id: 'tax_strategy',  label: t('proj.tab.tax_strategy') },
    ];
    const tabBar = el('div', {
      style: { display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-3)' },
    },
      ...tabs.map((tab) => el('button', {
        class: 'tb-btn ' + (ui.active_tab === tab.id ? '' : 'tb-btn--secondary'),
        onclick: () => { setUiField('active_tab', tab.id); renderActiveTab(); render(host); },
      }, tab.label)),
    );
    return el('div', { class: 'tb-card', 'data-track': 'core' },
      el('div', { class: 'tb-card-meta' },
        el('span', { class: 'tb-badge' }, t('proj.badge')),
      ),
      el('h1', null, t('proj.title')),
      el('p', { class: 'tb-card-meta' }, t('proj.subtitle')),
      tabBar,
    );
  }

  function renderActiveTab() {
    const tabHost = host && host.querySelector('#tb-proj-tab-host');
    if (!tabHost) return;
    tabHost.innerHTML = '';
    const ui = getUiState();
    cachedResult = computeForCurrentState();
    if (ui.active_tab === 'inputs') return renderInputsTab(tabHost);
    if (ui.active_tab === 'tax_strategy') return renderTaxStrategyTab(tabHost);
    return renderProjectionTab(tabHost);
  }

  function computeForCurrentState() {
    const inputs = getInputs();
    const accounts = (TB.assets && TB.assets.getActiveAccounts)
      ? TB.assets.getActiveAccounts() : [];
    const sofaProfile = TB.state.get('sofa.profile') || {};
    const sofaTaxAssump = TB.state.get('sofa.tax_assumptions') || {};
    return computeProjection(inputs, accounts, sofaProfile, sofaTaxAssump);
  }

  // ====================================================================
  // Inputs tab
  // ====================================================================

  function renderInputsTab(host) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const inputs = getInputs();

    // SOFA window countdown banner — only shown for SOFA-status users
    // with a 住民票 target date. Conveys "this many years of tax-
    // advantaged conversion runway remain" and the cost-per-year of
    // inaction. Anchors the optimizer + bracket-fill buttons in the
    // Tax Strategy tab.
    const sofaProfile = TB.state.get('sofa.profile') || {};
    if (sofaProfile.juminhyou_target_date) {
      const today = new Date();
      const target = new Date(sofaProfile.juminhyou_target_date + 'T00:00:00');
      const days = Math.round((target - today) / (1000 * 60 * 60 * 24));
      const years = days / 365.25;
      if (days > 0) {
        // Estimated annual conversion runway at 22% target bracket
        const accounts = (TB.assets && TB.assets.getActiveAccounts) ? TB.assets.getActiveAccounts() : [];
        const opt = optimizeRothLadder(inputs, accounts, sofaProfile, { target_rate: 22 });
        const yearsOfRunway = opt.rows.length;
        const totalConvertible = Math.round(opt.total_converted_usd);
        const perYearEstimate = yearsOfRunway > 0 ? Math.round(opt.total_converted_usd / yearsOfRunway) : 0;
        const banner = el('div', {
          class: 'tb-card',
          style: {
            borderLeft: '4px solid var(--tb-warn)',
            background: 'rgba(185, 122, 26, 0.08)',
            marginBottom: 'var(--tb-sp-3)',
          },
        });
        banner.appendChild(el('div', {
          style: { fontWeight: '600', color: 'var(--tb-warn)', marginBottom: '4px', fontSize: 'var(--tb-fs-16)' },
        }, '⏳ ' + t('proj.inputs.window.title', {
          years: years.toFixed(1),
          date: sofaProfile.juminhyou_target_date,
        })));
        if (yearsOfRunway > 0 && totalConvertible > 0) {
          banner.appendChild(el('p', { style: { margin: '0 0 var(--tb-sp-2)' } },
            t('proj.inputs.window.body', {
              n: yearsOfRunway,
              total: '$' + totalConvertible.toLocaleString(),
              perYear: '$' + perYearEstimate.toLocaleString(),
            })));
        } else {
          banner.appendChild(el('p', { style: { margin: '0 0 var(--tb-sp-2)' } },
            t('proj.inputs.window.noOpps')));
        }
        // Quick-link to Tax Strategy tab where the optimizer lives.
        banner.appendChild(el('button', {
          class: 'tb-btn tb-btn--secondary',
          type: 'button',
          style: { fontSize: 'var(--tb-fs-12)' },
          onclick: () => { setUiField('active_tab', 'tax_strategy'); renderActiveTab(); },
        }, '🎯 ' + t('proj.inputs.window.gotoOptimizer')));
        host.appendChild(banner);
      }
    }

    function numField(labelKey, helpKey, field, opts) {
      opts = opts || {};
      const input = el('input', {
        type: 'number', class: 'tb-input',
        step: opts.step || 'any', min: opts.min, max: opts.max,
        value: inputs[field] != null ? inputs[field] : '',
        onchange: (e) => {
          const v = parseFloat(e.target.value);
          setInputField(field, isFinite(v) ? v : null);
          renderActiveTab();
        },
      });
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, t(labelKey)),
        input,
        helpKey ? el('div', { class: 'tb-field-help' }, t(helpKey)) : null,
      );
    }

    function checkField(labelKey, helpKey, field) {
      const input = el('input', {
        type: 'checkbox', checked: !!inputs[field],
        style: { marginRight: '8px' },
        onchange: (e) => { setInputField(field, !!e.target.checked); renderActiveTab(); },
      });
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
          input, t(labelKey)),
        helpKey ? el('div', { class: 'tb-field-help' }, t(helpKey)) : null,
      );
    }

    function section(titleKey, ...children) {
      return el('div', {
        class: 'tb-card',
        style: { background: 'var(--tb-bg)', marginBottom: 'var(--tb-sp-3)' },
      },
        el('h3', { style: { marginTop: 0 } }, t(titleKey)),
        ...children,
      );
    }

    function grid(...children) {
      return el('div', {
        style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(200px, 1fr))', gap: 'var(--tb-sp-3)' },
      }, ...children);
    }

    const out = el('div');

    // Career
    out.appendChild(section('proj.section.career',
      grid(
        numField('proj.field.base_salary',     'proj.field.base_salary.help',     'base_salary_usd'),
        numField('proj.field.salary_growth',   'proj.field.salary_growth.help',   'salary_growth_pct',   { step: '0.1' }),
        numField('proj.field.contrib_401k',    'proj.field.contrib_401k.help',    'contrib_401k_pct',    { step: '0.5', min: '0', max: '100' }),
        numField('proj.field.employer_match',  'proj.field.employer_match.help',  'employer_match_max_pct', { step: '0.5', min: '0', max: '100' }),
      ),
      checkField('proj.field.catch_up', 'proj.field.catch_up.help', 'catch_up_at_50'),
    ));

    // Retirement
    out.appendChild(section('proj.section.retirement',
      grid(
        numField('proj.field.current_age',      null, 'current_age',         { step: '1', min: '18', max: '90' }),
        numField('proj.field.retire_age',       'proj.field.retire_age.help', 'retire_age',  { step: '1', min: '40', max: '80' }),
        numField('proj.field.ss_start_age',     'proj.field.ss_start_age.help', 'ss_start_age', { step: '1', min: '62', max: '70' }),
        numField('proj.field.ss_monthly',       'proj.field.ss_monthly.help',  'ss_monthly_at_70_usd', { step: '50' }),
        numField('proj.field.project_to_age',   null, 'project_to_age',      { step: '1', min: '70', max: '110' }),
      ),
    ));

    // Draw
    out.appendChild(section('proj.section.draw',
      grid(
        numField('proj.field.withdrawal_rate',  'proj.field.withdrawal_rate.help', 'withdrawal_rate_pct', { step: '0.1', min: '0', max: '20' }),
        numField('proj.field.monthly_target',   'proj.field.monthly_target.help',  'monthly_target_usd',  { step: '100' }),
      ),
    ));

    // Tax detail (Phase 4)
    function selectField(labelKey, helpKey, field, options) {
      const sel = el('select', {
        class: 'tb-select',
        onchange: (e) => { setInputField(field, e.target.value); renderActiveTab(); },
      },
        ...options.map((o) => el('option', {
          value: o.value, ...(inputs[field] === o.value ? { selected: true } : {}),
        }, o.label)),
      );
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, t(labelKey)),
        sel,
        helpKey ? el('div', { class: 'tb-field-help' }, t(helpKey)) : null,
      );
    }
    out.appendChild(section('proj.section.taxdetail',
      grid(
        selectField('proj.field.filing_status', 'proj.field.filing_status.help', 'filing_status', [
          { value: 'single', label: 'Single' },
          { value: 'mfj',    label: 'Married filing jointly' },
          { value: 'mfs',    label: 'Married filing separately' },
          { value: 'hoh',    label: 'Head of household' },
        ]),
        numField('proj.field.state_tax', 'proj.field.state_tax.help', 'state_tax_pct', { step: '0.1', min: '0', max: '15' }),
        numField('proj.field.ss_cola',   'proj.field.ss_cola.help',   'ss_cola_pct',   { step: '0.1', min: '0', max: '8' }),
      ),
      grid(
        checkField('proj.field.niit',  'proj.field.niit.help',  'niit_enabled'),
        checkField('proj.field.irmaa', 'proj.field.irmaa.help', 'irmaa_enabled'),
      ),
    ));

    // Monthly events (Phase 4)
    out.appendChild(section('proj.section.monthly_events',
      grid(
        numField('proj.field.bonus_month', 'proj.field.bonus_month.help', 'bonus_month', { step: '1', min: '1', max: '12' }),
        numField('proj.field.bonus_pct',   'proj.field.bonus_pct.help',   'bonus_pct_of_salary', { step: '1', min: '0', max: '100' }),
      ),
    ));

    // Growth (per asset class)
    out.appendChild(section('proj.section.growth',
      grid(
        numField('proj.field.growth_equity_us',   null, 'growth_equity_us_pct',   { step: '0.1' }),
        numField('proj.field.growth_equity_intl', null, 'growth_equity_intl_pct', { step: '0.1' }),
        numField('proj.field.growth_bond',        null, 'growth_bond_pct',        { step: '0.1' }),
        numField('proj.field.growth_cash',        null, 'growth_cash_pct',        { step: '0.1' }),
        numField('proj.field.growth_real_estate', null, 'growth_real_estate_pct', { step: '0.1' }),
        numField('proj.field.growth_alternative', null, 'growth_alternative_pct', { step: '0.1' }),
      ),
      grid(
        numField('proj.field.dampener', 'proj.field.dampener.help', 'retirement_growth_dampener_pct', { step: '5', min: '0', max: '100' }),
        numField('proj.field.floor',    'proj.field.floor.help',    'retirement_growth_floor_pct',    { step: '0.1', min: '0' }),
      ),
    ));

    // Drawdown order
    out.appendChild(section('proj.section.drawdown',
      el('p', { class: 'tb-field-help' }, t('proj.section.drawdown.help')),
      buildDrawdownOrderList(),
    ));

    host.appendChild(out);
  }

  function buildDrawdownOrderList() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const inputs = getInputs();
    const order = inputs.drawdown_order.slice();
    const wrappers = (TB.assets && TB.assets.WRAPPERS) || [];
    const list = el('ol', { style: { paddingLeft: '24px', margin: '0' } });
    for (let i = 0; i < order.length; i++) {
      const wid = order[i];
      const w = wrappers.find((w) => w.id === wid);
      const label = t('assets.wrapper.' + wid) || wid;
      list.appendChild(el('li', {
        style: {
          display: 'flex', alignItems: 'center', justifyContent: 'space-between',
          padding: '4px 0', borderBottom: '1px dashed var(--tb-border)',
        },
      },
        el('span', { style: { display: 'flex', alignItems: 'center', gap: '8px' } },
          el('span', {
            style: {
              width: '8px', height: '20px',
              background: (w && w.color) || 'var(--tb-text-soft)',
              borderRadius: '2px', flexShrink: '0',
            },
          }),
          el('span', null, label),
        ),
        el('span', { style: { display: 'flex', gap: '4px' } },
          el('button', {
            class: 'tb-btn tb-btn--ghost', type: 'button',
            disabled: i === 0,
            style: { padding: '0 8px', fontSize: 'var(--tb-fs-12)' },
            onclick: () => { swap(order, i, i - 1); persistOrder(order); },
          }, '↑'),
          el('button', {
            class: 'tb-btn tb-btn--ghost', type: 'button',
            disabled: i === order.length - 1,
            style: { padding: '0 8px', fontSize: 'var(--tb-fs-12)' },
            onclick: () => { swap(order, i, i + 1); persistOrder(order); },
          }, '↓'),
        ),
      ));
    }
    return list;

    function swap(arr, a, b) { const t = arr[a]; arr[a] = arr[b]; arr[b] = t; }
    function persistOrder(arr) {
      setInputField('drawdown_order', arr);
      renderActiveTab();
    }
  }

  // ====================================================================
  // Projection tab — tiles + chart + breakdown table
  // ====================================================================

  // Live-refresh containers — stable DOM nodes that get re-populated
  // by liveRefresh() without tearing down the controls. This is what
  // makes slider drags feel native: only tiles/chart/table update.
  let tilesContainer = null;
  let chartContainer = null;
  let tableContainer = null;
  let scenarioBarContainer = null;

  function renderProjectionTab(host) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const result = cachedResult;
    if (!result || !result.rows.length) {
      host.appendChild(el('p', { class: 'tb-field-help' }, t('proj.empty')));
      return;
    }
    // Projection Controls card (sliders + inflation toggle)
    host.appendChild(buildControlsCard());
    // Stable containers for live-refresh
    tilesContainer = el('div', { id: 'tb-proj-tiles' });
    chartContainer = el('div', { id: 'tb-proj-chart' });
    tableContainer = el('div', { id: 'tb-proj-table' });
    host.appendChild(tilesContainer);
    host.appendChild(chartContainer);
    host.appendChild(tableContainer);
    // Initial fill
    fillLiveContainers();
  }

  // Recompute + re-render only the live containers (tiles/chart/table).
  // Called on slider drag, scenario load, inflation toggle, etc. —
  // anything that changes inputs without requiring a full tab rebuild.
  function liveRefresh() {
    cachedResult = computeForCurrentState();
    fillLiveContainers();
  }

  function fillLiveContainers() {
    if (!cachedResult || !tilesContainer) return;
    tilesContainer.innerHTML = '';
    chartContainer.innerHTML = '';
    tableContainer.innerHTML = '';
    tilesContainer.appendChild(buildHeadlineTiles(cachedResult));
    chartContainer.appendChild(buildChartCard(cachedResult));
    tableContainer.appendChild(buildBreakdownTable(cachedResult));
  }

  // ─── Projection Controls card (sliders) ───────────────────────────
  //
  // Five primary sliders that drive the most-tweaked inputs. Each
  // slider lives-updates inputs + triggers liveRefresh() on every
  // drag step. The Inputs tab still has the granular fields for
  // less-frequently-changed values (per-class growth, drawdown order).

  function buildControlsCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const inputs = getInputs();
    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(el('h3', { style: { marginTop: 0 } },
      el('span', null, '🎚 ' + t('proj.controls.title'))));

    const startYear = new Date().getFullYear();
    const retireYear = startYear + (inputs.retire_age - inputs.current_age);
    const ssYear = startYear + (inputs.ss_start_age - inputs.current_age);
    // Annual contribution preview (for the slider's side text).
    const annualContrib = Math.round(inputs.base_salary_usd * (inputs.contrib_401k_pct / 100));
    const monthlyDrawPreview = (() => {
      const last = cachedResult && cachedResult.summary;
      return last && last.monthly_draw_at_retire
        ? '$' + Math.round(last.monthly_draw_at_retire).toLocaleString() + '/mo' : '';
    })();

    const grid = el('div', {
      style: {
        display: 'grid',
        gridTemplateColumns: 'repeat(auto-fit, minmax(280px, 1fr))',
        gap: 'var(--tb-sp-4) var(--tb-sp-5)',
      },
    });

    // Retire age
    const retireSide = el('span');
    retireSide.textContent = 'Year ' + retireYear;
    const retireSlider = TB.utils.buildSlider({
      label: t('proj.field.retire_age'),
      value: inputs.retire_age,
      min: 50, max: 75, step: 1,
      variant: 'accent',
      ticks: ['50', '55', '60', '65', '70', '75'],
      side: 'Year ' + retireYear,
      onInput: (v) => {
        setInputField('retire_age', v);
        retireSlider.setSide('Year ' + (startYear + (v - inputs.current_age)));
        liveRefresh();
      },
    });
    grid.appendChild(retireSlider.node);

    // SS start age
    const ssMult = ssBenefitMultiplier(inputs.ss_start_age);
    const ssMonthly = inputs.ss_monthly_at_70_usd * ssMult;
    const ssSlider = TB.utils.buildSlider({
      label: t('proj.field.ss_start_age'),
      value: inputs.ss_start_age,
      min: 62, max: 70, step: 1,
      variant: 'success',
      ticks: ['62 (-30%)', '67 (FRA)', '70 (+24%)'],
      side: '$' + Math.round(ssMonthly).toLocaleString() + '/mo',
      onInput: (v) => {
        setInputField('ss_start_age', v);
        const mo = inputs.ss_monthly_at_70_usd * ssBenefitMultiplier(v);
        ssSlider.setSide('$' + Math.round(mo).toLocaleString() + '/mo');
        liveRefresh();
      },
    });
    grid.appendChild(ssSlider.node);

    // 401k contribution %
    const contribSlider = TB.utils.buildSlider({
      label: t('proj.field.contrib_401k'),
      value: inputs.contrib_401k_pct,
      min: 0, max: 30, step: 0.5,
      variant: 'accent',
      ticks: ['0%', '6% match', '15%', '30%'],
      format: (v) => v + '%',
      side: '$' + annualContrib.toLocaleString() + '/yr',
      onInput: (v) => {
        setInputField('contrib_401k_pct', v);
        const c = Math.round(inputs.base_salary_usd * (v / 100));
        contribSlider.setSide('$' + c.toLocaleString() + '/yr');
        liveRefresh();
      },
    });
    grid.appendChild(contribSlider.node);

    // Withdrawal rate
    const drawSlider = TB.utils.buildSlider({
      label: t('proj.field.withdrawal_rate'),
      value: inputs.withdrawal_rate_pct,
      min: 2, max: 6, step: 0.1,
      variant: 'accent',
      ticks: ['2%', '3%', '4%', '5%', '6%'],
      format: (v) => v.toFixed(1) + '%',
      side: monthlyDrawPreview,
      help: t('proj.controls.draw.help'),
      onInput: (v) => {
        setInputField('withdrawal_rate_pct', v);
        liveRefresh();
        // Update side text from the new computed result.
        const r = cachedResult && cachedResult.summary;
        if (r && r.monthly_draw_at_retire) {
          drawSlider.setSide('$' + Math.round(r.monthly_draw_at_retire).toLocaleString() + '/mo');
        }
      },
    });
    grid.appendChild(drawSlider.node);

    card.appendChild(grid);

    // Monthly target slider — full-width below the grid because the
    // help text explaining "no cap" is too long for a grid cell.
    const mtVal = inputs.monthly_target_usd || 0;
    const mtSide = mtVal > 0 ? '' : t('proj.controls.no_cap');
    const mtSlider = TB.utils.buildSlider({
      label: t('proj.field.monthly_target'),
      value: mtVal,
      min: 0, max: 20000, step: 250,
      variant: 'navy',
      ticks: ['Off', '$5K', '$10K', '$15K', '$20K'],
      format: (v) => v > 0 ? '$' + Number(v).toLocaleString() : t('proj.controls.no_cap'),
      side: mtSide,
      help: t('proj.controls.monthly_target.help'),
      onInput: (v) => {
        setInputField('monthly_target_usd', v > 0 ? v : null);
        liveRefresh();
      },
    });
    const mtWrap = el('div', { style: { marginTop: 'var(--tb-sp-4)' } }, mtSlider.node);
    card.appendChild(mtWrap);

    // Inflation toggle — button row + slider for the inflation rate.
    const ui = getUiState();
    const inflBtn = (mode, label) => el('button', {
      class: 'tb-btn ' + (ui.inflation_view === mode ? '' : 'tb-btn--secondary'),
      type: 'button',
      style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
      onclick: () => {
        setUiField('inflation_view', mode);
        liveRefresh();
        renderActiveTab();
      },
    }, label);
    const viewRow = el('div', {
      style: {
        display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)',
        marginTop: 'var(--tb-sp-4)', fontSize: 'var(--tb-fs-12)', flexWrap: 'wrap',
      },
    },
      el('span', { style: { color: 'var(--tb-text-soft)' } }, t('proj.controls.view') + ':'),
      inflBtn('nominal', t('proj.controls.nominal')),
      inflBtn('real',    t('proj.controls.real') + ' (' + ui.inflation_pct + '%)'),
    );
    card.appendChild(viewRow);
    card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-1)', marginBottom: 0 } }, t('proj.controls.view.help')));

    // Inflation rate slider — only visible when Real view is active
    // (changing it in Nominal view has no visible effect, would confuse).
    if (ui.inflation_view === 'real') {
      const inflSlider = TB.utils.buildSlider({
        label: t('proj.controls.inflation'),
        value: ui.inflation_pct,
        min: 0, max: 6, step: 0.1,
        variant: 'navy',
        ticks: ['0%', '2%', '4%', '6%'],
        format: (v) => v.toFixed(1) + '%',
        side: t('proj.controls.inflation.side'),
        help: t('proj.controls.inflation.help'),
        onInput: (v) => {
          setUiField('inflation_pct', v);
          liveRefresh();
        },
      });
      card.appendChild(el('div', { style: { marginTop: 'var(--tb-sp-3)' } }, inflSlider.node));
    }

    return card;
  }

  // ─── Currency-pair display (Phase 4) ──────────────────────────────
  //
  // Every USD amount in the Projections UI is rendered with its JPY
  // equivalent in smaller parens — clickable to toggle which currency
  // is primary. Single global preference (projections.ui_state.
  // primary_currency) controls the active mode for the whole module.

  // USD → JPY rate: prefer live Treasury rate from settings.fx, fall
  // back to FX_FALLBACK.perUsd.JPY, fall back to 152.
  function jpyPerUsd() {
    try {
      const live = TB.state.get('settings.fx.current_rates') || {};
      if (live.JPY && live.JPY > 0) return live.JPY;
    } catch (e) { /* ignore */ }
    const fb = (TB.utils && TB.utils.FX_FALLBACK && TB.utils.FX_FALLBACK.perUsd) || {};
    return fb.JPY || 152;
  }

  // Format a USD amount and its JPY equivalent. Returns a DOM span
  // with two children: a primary value + a clickable secondary value.
  //
  // Two layout variants (CSS-driven):
  //   • 'stacked' (default) — primary on top at full size; secondary
  //     below, much smaller (~0.6em), dim, slightly indented to the
  //     right. Solves truncation issues in tiles and table cells
  //     and gives the primary number visual prominence.
  //   • 'inline' — primary then "(secondary)" on the same line. Used
  //     in flowing paragraphs (lifetime tax callouts) where stacking
  //     would break sentence flow.
  //
  // opts:
  //   suffix: '/mo' to append a "/mo" or "/月" suffix
  //   layout: 'stacked' | 'inline' (default 'stacked')
  function fmtCurrencyPair(usd, opts) {
    opts = opts || {};
    if (usd == null || !isFinite(usd)) {
      const t = document.createElement('span');
      t.textContent = '—';
      return t;
    }
    const ui = getUiState();
    const primary = ui.primary_currency || 'usd';
    const jpy = usd * jpyPerUsd();
    const suffix = opts.suffix || '';
    const layout = opts.layout || 'stacked';

    function fmtUsd(v) {
      const s = TB.utils.formatUSD(v, { maximumFractionDigits: 0 });
      return suffix === '/mo' ? s + '/mo' : s;
    }
    function fmtJpy(v) {
      const s = '¥' + Math.round(v).toLocaleString();
      return suffix === '/mo' ? s + '/月' : s;
    }

    const wrap = document.createElement('span');
    wrap.className = 'tb-currency-pair tb-currency-pair--' + layout;

    const primaryStr   = primary === 'jpy' ? fmtJpy(jpy) : fmtUsd(usd);
    const secondaryStr = primary === 'jpy' ? fmtUsd(usd) : fmtJpy(jpy);

    const primarySpan = document.createElement('span');
    primarySpan.className = 'tb-currency-primary';
    primarySpan.textContent = primaryStr;
    wrap.appendChild(primarySpan);

    const secondarySpan = document.createElement('span');
    secondarySpan.className = 'tb-currency-secondary';
    secondarySpan.setAttribute('data-toggle-currency', '1');
    secondarySpan.title = 'Click to make this currency primary';
    // Inline layout adds parens to look natural in sentence flow;
    // stacked layout omits them since the visual offset already
    // signals "this is the alternate currency".
    secondarySpan.textContent = layout === 'inline'
      ? '(' + secondaryStr + ')'
      : secondaryStr;
    wrap.appendChild(secondarySpan);

    return wrap;
  }

  // Toggle primary currency between USD and JPY. Re-renders the
  // active tab so all display sites pick up the new preference.
  function toggleCurrency() {
    const cur = (getUiState().primary_currency) || 'usd';
    setUiField('primary_currency', cur === 'usd' ? 'jpy' : 'usd');
    if (host) renderActiveTab();
  }

  // Format a single USD axis-label value with primary-currency
  // awareness. Used in chart Y-axis labels.
  function fmtAxisPrimary(usd) {
    const ui = getUiState();
    const primary = ui.primary_currency || 'usd';
    if (primary === 'jpy') {
      const v = usd * jpyPerUsd();
      if (v >= 1e8) return '¥' + (v / 1e8).toFixed(v >= 1e9 ? 0 : 1) + '億';
      if (v >= 1e4) return '¥' + (v / 1e4).toFixed(0) + '万';
      return '¥' + Math.round(v).toLocaleString();
    }
    return fmtAxisM(usd);
  }

  // Deflate a future-year nominal value into today's dollars when
  // the user has toggled "Real" view. infl is decimal (e.g., 0.025).
  // Returns the value unchanged in 'nominal' mode.
  function deflated(nominal, year, ui) {
    if (!ui || ui.inflation_view !== 'real' || nominal == null) return nominal;
    const startYear = new Date().getFullYear();
    const yearsOut = Math.max(0, year - startYear);
    const infl = (ui.inflation_pct || 0) / 100;
    return nominal / Math.pow(1 + infl, yearsOut);
  }

  // Find the row at a target age — used by tiles to look up the
  // year that corresponds to "Portfolio at 80" etc.
  function rowAtAge(rows, targetAge) {
    return rows.find((r) => r.age === targetAge) || null;
  }

  function buildHeadlineTiles(result) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const inputs = getInputs();
    const ui = getUiState();
    const s = result.summary;
    // Re-derive tiles in current view mode (real vs nominal).
    const retireRow = rowAtAge(result.rows, inputs.retire_age);
    const ssRow     = rowAtAge(result.rows, inputs.ss_start_age);
    const r80       = rowAtAge(result.rows, 80);
    const r90       = rowAtAge(result.rows, 90);
    const portRetire = retireRow ? deflated(retireRow.total_usd, retireRow.year, ui) : null;
    const drawRetire = retireRow ? deflated(retireRow.withdraw_actual / 12, retireRow.year, ui) : null;
    const ssMonthly  = ssRow     ? deflated(ssRow.ss_annual / 12,           ssRow.year,     ui) : (s.ss_monthly_at_start);
    const totalMo    = retireRow ? deflated(retireRow.net_monthly_usd,      retireRow.year, ui) : null;
    const port80     = r80       ? deflated(r80.total_usd, r80.year, ui) : null;
    const port90     = r90       ? deflated(r90.total_usd, r90.year, ui) : null;
    const fxRate = (TB.assets && TB.assets.toUsd) ? (1 / TB.assets.toUsd(1, 'JPY') || 152) : 152;

    // Tile body now accepts a DOM node (the currency-pair display)
    // rather than a string, so the JPY parenthetical can be clickable.
    function tile(labelKey, valueNode, sub) {
      return el('div', {
        style: {
          background: 'var(--tb-bg-elev)',
          border: '1px solid var(--tb-border)',
          borderRadius: 'var(--tb-radius-2)',
          padding: 'var(--tb-sp-3)',
        },
      },
        el('div', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)' } }, t(labelKey)),
        el('div', { style: { fontSize: 'var(--tb-fs-22)', fontFamily: 'var(--tb-font-mono)' }, class: 'tb-tile-value' },
          valueNode != null ? valueNode : document.createTextNode('—')),
        sub ? el('div', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)' } }, sub) : null,
      );
    }
    const pair    = (v) => fmtCurrencyPair(v);
    const pairMo  = (v) => fmtCurrencyPair(v, { suffix: '/mo' });

    const viewBadge = ui.inflation_view === 'real'
      ? el('span', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginLeft: 'var(--tb-sp-2)', fontWeight: 'normal' } },
          t('proj.controls.real') + ' (today\'s $)')
      : el('span', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginLeft: 'var(--tb-sp-2)', fontWeight: 'normal' } },
          t('proj.controls.nominal') + ' (future $)');

    return el('div', { class: 'tb-card', 'data-track': 'core' },
      el('h3', { style: { marginTop: 0 } }, t('proj.tiles.title'), viewBadge),
      el('div', {
        style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(180px, 1fr))', gap: 'var(--tb-sp-3)' },
      },
        tile('proj.tile.portfolio_at_retire', pair(portRetire),    t('proj.tile.at_age', { age: inputs.retire_age })),
        tile('proj.tile.monthly_draw',        pairMo(drawRetire)),
        tile('proj.tile.ss_monthly',          pairMo(ssMonthly),   t('proj.tile.at_age', { age: inputs.ss_start_age })),
        tile('proj.tile.total_monthly',       pairMo(totalMo)),
        tile('proj.tile.portfolio_at_80',     pair(port80)),
        tile('proj.tile.portfolio_at_90',     pair(port90)),
        tile('proj.tile.depletion',
          document.createTextNode(s.depletion_age != null ? t('proj.tile.depleted_at', { age: s.depletion_age }) : t('proj.tile.no_depletion'))),
      ),
    );
  }

  function buildChartCard(result) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const ui = getUiState();
    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(el('h3', { style: { marginTop: 0 } }, t('proj.chart.title')));

    // Year-zoom chip strip.
    card.appendChild(buildYearChips(result, ui));

    // Two-column layout: chart on left, hover details on right.
    // On narrow screens, panel stacks below the chart (auto-fit).
    const visibleRows = filterRowsByYear(result.rows, ui.year_filter);
    const layout = el('div', {
      style: {
        display: 'grid',
        gridTemplateColumns: 'minmax(0, 1fr) 220px',
        gap: 'var(--tb-sp-3)',
        alignItems: 'start',
        marginTop: 'var(--tb-sp-2)',
      },
    });

    const chartCol = el('div', { style: { minWidth: '0' } });
    const hoverPanel = el('div', {
      style: {
        background: 'var(--tb-bg)',
        border: '1px solid var(--tb-border)',
        borderRadius: 'var(--tb-radius-2)',
        padding: 'var(--tb-sp-3)',
        fontSize: 'var(--tb-fs-12)',
        minHeight: '200px',
      },
    });
    // Initial hover panel content: remembered year if set, else
    // last visible year (most relevant to long-horizon planning).
    const initialYear = ui.chart_hover_year && visibleRows.find((r) => r.year === ui.chart_hover_year)
      ? ui.chart_hover_year
      : (visibleRows.length ? visibleRows[visibleRows.length - 1].year : null);
    fillHoverPanel(hoverPanel, result, initialYear);

    chartCol.appendChild(renderProjectionSvg(result, hoverPanel));
    layout.appendChild(chartCol);
    layout.appendChild(hoverPanel);
    card.appendChild(layout);

    // Concise legend below — only wrappers with non-zero balance in
    // the visible range, plus the always-shown total / income markers.
    card.appendChild(buildChartLegend(result));

    // One-line help.
    card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } }, t('proj.chart.help')));

    return card;
  }

  // Slice rows by year_filter. null filter = all rows.
  function filterRowsByYear(rows, filter) {
    if (!filter) return rows;
    return rows.filter((r) => r.year >= filter.from && r.year <= filter.to);
  }

  // Year zoom chips. Click year = zoom to that year. Shift+click = range
  // from previous-clicked to this. Click an already-selected single year
  // = clear (full range restored).
  function buildYearChips(result, ui) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const filter = ui.year_filter;
    const wrap = el('div', {
      style: {
        display: 'flex', flexWrap: 'wrap', gap: '2px',
        padding: 'var(--tb-sp-2) 0', alignItems: 'center',
      },
    });
    wrap.appendChild(el('span', {
      style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)', marginRight: 'var(--tb-sp-2)' },
    }, t('proj.chart.zoomHint')));

    for (const r of result.rows) {
      const inRange = filter ? (r.year >= filter.from && r.year <= filter.to) : true;
      const isSingle = filter && filter.from === r.year && filter.to === r.year;
      const chip = el('button', {
        type: 'button',
        style: {
          padding: '2px 6px',
          fontSize: 'var(--tb-fs-12)',
          fontFamily: 'var(--tb-font-mono)',
          background: inRange ? 'var(--tb-navy)' : 'transparent',
          color: inRange ? '#fff' : 'var(--tb-text-soft)',
          border: '1px solid ' + (inRange ? 'var(--tb-navy)' : 'var(--tb-border)'),
          borderRadius: '3px', cursor: 'pointer',
        },
        onclick: (e) => {
          if (e.shiftKey && filter) {
            // Range: extend filter to include r.year.
            const lo = Math.min(filter.from, r.year);
            const hi = Math.max(filter.to,   r.year);
            setUiField('year_filter', { from: lo, to: hi });
          } else if (isSingle) {
            // Click again on the only selected year = clear.
            setUiField('year_filter', null);
          } else {
            // Single-year zoom.
            setUiField('year_filter', { from: r.year, to: r.year });
          }
          renderActiveTab();
        },
      }, String(r.year));
      wrap.appendChild(chip);
    }
    if (filter) {
      wrap.appendChild(el('button', {
        type: 'button',
        style: {
          marginLeft: 'var(--tb-sp-2)', padding: '2px 8px',
          fontSize: 'var(--tb-fs-12)', background: 'transparent',
          color: 'var(--tb-text-soft)', border: '1px solid var(--tb-border)',
          borderRadius: '3px', cursor: 'pointer',
        },
        onclick: () => { setUiField('year_filter', null); renderActiveTab(); },
      }, '✕ ' + t('proj.chart.clearZoom')));
    }
    return wrap;
  }

  // Fill the hover panel with year-specific details. Mirrors the
  // retirement tool's right-side detail panel — shows account
  // breakdown for the hovered year + total, with allocation context.
  function fillHoverPanel(panel, result, year) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const ui = getUiState();
    const dfl = (v, yr) => deflated(v, yr, ui);

    panel.innerHTML = '';
    const row = result.rows.find((r) => r.year === year);
    if (!row) {
      panel.appendChild(el('div', { style: { color: 'var(--tb-text-soft)' } }, t('proj.chart.hover.empty')));
      return;
    }
    setUiField('chart_hover_year', year); // remember last hover

    // Header
    panel.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', marginBottom: 'var(--tb-sp-2)' },
    },
      el('span', { style: { fontSize: 'var(--tb-fs-22)', fontWeight: '700', fontFamily: 'var(--tb-font-mono)' } }, String(row.year)),
      el('span', { style: { color: 'var(--tb-text-soft)' } }, t('proj.tile.at_age', { age: row.age })),
    ));

    // Phase pill
    panel.appendChild(el('div', {
      style: { marginBottom: 'var(--tb-sp-2)' },
    },
      el('span', {
        style: {
          padding: '1px 8px', borderRadius: '3px', fontSize: '10px',
          background: row.phase === 'accum' ? 'var(--tb-success)' : 'var(--tb-warn)',
          color: '#fff',
        },
      }, t('proj.phase.' + row.phase)),
      row.is_post_juminhyou ? el('span', {
        style: { marginLeft: '6px', color: 'var(--tb-error)', fontSize: '10px', fontWeight: '600' },
      }, '住民票↑') : null,
    ));

    // Per-account list — group by tax_wrapper, sorted by balance desc.
    const wrappers = (TB.assets && TB.assets.WRAPPERS) || [];
    const wrapperColors = {};
    for (const w of wrappers) wrapperColors[w.id] = w.color;

    const accts = row.by_account
      .filter((a) => a.balance_usd > 0)
      .sort((a, b) => b.balance_usd - a.balance_usd);
    for (const a of accts) {
      panel.appendChild(el('div', {
        style: { display: 'flex', alignItems: 'center', gap: '6px', padding: '2px 0' },
      },
        el('span', {
          style: {
            width: '8px', height: '8px', borderRadius: '50%',
            background: wrapperColors[a.tax_wrapper] || 'var(--tb-text-soft)',
            flexShrink: '0',
          },
        }),
        el('span', {
          style: { flex: '1', whiteSpace: 'nowrap', overflow: 'hidden', textOverflow: 'ellipsis', fontSize: 'var(--tb-fs-12)' },
          title: a.name + ' (' + (t('assets.wrapper.' + a.tax_wrapper) || a.tax_wrapper) + ')',
        }, a.name || (t('assets.wrapper.' + a.tax_wrapper) || a.tax_wrapper)),
        el('span', {
          style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600', fontSize: 'var(--tb-fs-12)' },
        }, fmtCurrencyPair(dfl(a.balance_usd, row.year))),
      ));
    }

    // Divider + total
    panel.appendChild(el('div', { style: { borderTop: '1px solid var(--tb-border)', margin: '8px 0 6px' } }));
    panel.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', fontWeight: '700' },
    },
      el('span', null, t('proj.chart.hover.total')),
      el('span', { style: { fontFamily: 'var(--tb-font-mono)' } },
        fmtCurrencyPair(dfl(row.total_usd, row.year))),
    ));

    // Income detail in distribution years
    if (row.phase === 'dist') {
      panel.appendChild(el('div', {
        style: { marginTop: 'var(--tb-sp-2)', padding: 'var(--tb-sp-2)', background: 'var(--tb-bg-elev)', borderRadius: 'var(--tb-radius-1)', fontSize: 'var(--tb-fs-12)' },
      },
        el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
          el('span', { style: { color: 'var(--tb-text-soft)' } }, t('proj.table.col.draw') + '/mo'),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)' } }, fmtCurrencyPair(dfl(row.withdraw_actual / 12, row.year), { suffix: '/mo' })),
        ),
        row.ss_annual > 0 ? el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
          el('span', { style: { color: 'var(--tb-text-soft)' } }, t('proj.table.col.ss') + '/mo'),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)' } }, fmtCurrencyPair(dfl(row.ss_annual / 12, row.year), { suffix: '/mo' })),
        ) : null,
        el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', fontWeight: '600', marginTop: '4px' } },
          el('span', null, t('proj.table.col.net_mo')),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)' } }, fmtCurrencyPair(dfl(row.net_monthly_usd, row.year), { suffix: '/mo' })),
        ),
      ));
    }

    // Conversion / event annotations
    if (row.roth_conversion > 0) {
      panel.appendChild(el('div', {
        style: { marginTop: '6px', padding: '4px 8px', background: 'rgba(47, 111, 78, 0.08)', borderLeft: '2px solid var(--tb-success)', fontSize: 'var(--tb-fs-12)' },
      }, '🟢 Roth conv: ' + TB.utils.formatUSD(row.roth_conversion, { maximumFractionDigits: 0 })));
    }
    if (row.events && row.events.length) {
      for (const ev of row.events) {
        const text = ev.type === 'transfer'
          ? '🔁 ' + ev.from_name + ' → ' + ev.to_name
          : '🔒 ' + ev.from_name;
        panel.appendChild(el('div', {
          style: { marginTop: '4px', padding: '4px 8px', background: 'rgba(183, 71, 42, 0.08)', borderLeft: '2px solid var(--tb-accent)', fontSize: 'var(--tb-fs-12)' },
        }, text));
      }
    }
  }

  // Vanilla SVG chart. Stacked bars by tax_wrapper for accumulation
  // years (each wrapper colored using assets.WRAPPER colors); a gold
  // line traces total portfolio across both phases; a translucent
  // green line traces annual draw + SS in distribution. Dual y-axes:
  // portfolio (left, $M), monthly income (right, $K).
  function renderProjectionSvg(result, hoverPanel) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const ui = getUiState();
    const allRows = result.rows;
    const rows = filterRowsByYear(allRows, ui.year_filter);
    if (!rows.length) return el('div', null, t('proj.empty'));

    const dfl = (v, yr) => deflated(v, yr, ui);

    const W = 880, H = 360;
    const padL = 64, padR = 64, padT = 24, padB = 56;
    const innerW = W - padL - padR;
    const innerH = H - padT - padB;

    const yearMin = rows[0].year, yearMax = rows[rows.length - 1].year;
    const yearSpan = Math.max(yearMax - yearMin, 1);

    // Wrapper color map from assets.WRAPPERS
    const wrappers = (TB.assets && TB.assets.WRAPPERS) || [];
    const wrapperColors = {};
    for (const w of wrappers) wrapperColors[w.id] = w.color;

    // Accumulate balances per wrapper per year for stacking.
    // Apply inflation deflation when in 'real' view.
    const wrapperOrder = (TB.assets && TB.assets.WRAPPERS)
      ? TB.assets.WRAPPERS.map((w) => w.id) : [];
    const stackedByYear = rows.map((r) => {
      const byW = {};
      for (const a of r.by_account) byW[a.tax_wrapper] = (byW[a.tax_wrapper] || 0) + dfl(a.balance_usd, r.year);
      return byW;
    });

    // Y-axis max — round up to a clean number above the largest total.
    const maxTotal = rows.reduce((m, r) => Math.max(m, dfl(r.total_usd, r.year)), 0);
    const yMax = niceCeil(maxTotal * 1.1);

    // Right axis (income): max of monthly draw + ss
    const maxIncomeMo = rows.reduce((m, r) => Math.max(m, dfl((r.withdraw_actual + r.ss_annual) / 12, r.year)), 0);
    const yMaxRight = niceCeil(maxIncomeMo * 1.2);

    const xFor = (year) => padL + ((year - yearMin) / yearSpan) * innerW;
    const yFor = (val) => padT + innerH - (val / yMax) * innerH;
    const yForRight = (val) => padT + innerH - (val / Math.max(yMaxRight, 1)) * innerH;
    const barWidth = Math.max(2, (innerW / Math.max(rows.length, 1)) * 0.75);

    const svg = svgEl('svg', {
      viewBox: '0 0 ' + W + ' ' + H, width: '100%',
      style: 'background: var(--tb-bg); border: 1px solid var(--tb-border); border-radius: var(--tb-radius-2);',
    });

    // Y gridlines + labels. Left axis uses primary-currency labels
    // (USD or JPY based on ui.primary_currency); right axis (income
    // /mo) follows the same convention.
    const ySteps = 5;
    for (let i = 0; i <= ySteps; i++) {
      const v = yMax * (i / ySteps);
      const y = yFor(v);
      svg.appendChild(svgEl('line', {
        x1: padL, y1: y, x2: W - padR, y2: y,
        stroke: 'var(--tb-border)', 'stroke-dasharray': '2,3',
      }));
      svg.appendChild(svgEl('text', {
        x: padL - 6, y: y + 4, 'text-anchor': 'end',
        'font-size': '10', fill: 'var(--tb-text-soft)',
      }, fmtAxisPrimary(v)));
      // right axis (monthly income)
      const vRight = yMaxRight * (i / ySteps);
      const moSuffix = (ui.primary_currency === 'jpy') ? '/月' : '/mo';
      svg.appendChild(svgEl('text', {
        x: W - padR + 6, y: y + 4, 'text-anchor': 'start',
        'font-size': '10', fill: 'var(--tb-text-soft)',
      }, fmtAxisPrimary(vRight) + moSuffix));
    }

    // Draw stacked bars (accumulation) and unstacked bars (dist) per row.
    rows.forEach((row, idx) => {
      const x = xFor(row.year) - barWidth / 2;
      let cursor = 0;
      for (const wid of wrapperOrder) {
        const v = stackedByYear[idx][wid] || 0;
        if (v <= 0) continue;
        const yTop = yFor(cursor + v);
        const yBot = yFor(cursor);
        svg.appendChild(svgEl('rect', {
          x, y: yTop, width: barWidth, height: Math.max(yBot - yTop, 0.5),
          fill: wrapperColors[wid] || 'var(--tb-text-soft)',
          opacity: row.phase === 'dist' ? '0.45' : '0.85',
        }, [
          svgEl('title', null, row.year + ' age ' + row.age + ' — ' +
            (TB.i18n.t('assets.wrapper.' + wid) || wid) + ': ' +
            TB.utils.formatUSD(v, { maximumFractionDigits: 0 })),
        ]));
        cursor += v;
      }
    });

    // Total portfolio line
    const totalPath = rows.map((r, i) =>
      (i === 0 ? 'M' : 'L') + xFor(r.year).toFixed(1) + ',' + yFor(dfl(r.total_usd, r.year)).toFixed(1)
    ).join(' ');
    svg.appendChild(svgEl('path', {
      d: totalPath, fill: 'none', stroke: '#D4A017', 'stroke-width': '2.2',
    }));

    // Income line (right axis): only in distribution years
    const distRows = rows.filter((r) => r.phase === 'dist');
    if (distRows.length > 1) {
      const incPath = distRows.map((r, i) =>
        (i === 0 ? 'M' : 'L') + xFor(r.year).toFixed(1) + ',' + yForRight(dfl((r.withdraw_actual + r.ss_annual) / 12, r.year)).toFixed(1)
      ).join(' ');
      svg.appendChild(svgEl('path', {
        d: incPath, fill: 'none', stroke: 'var(--tb-success)', 'stroke-width': '2',
        'stroke-dasharray': '4,3',
      }));
    }

    // Roth conversion markers — green upward triangle ▲ at the
    // year of each conversion, on the total line. Bigger triangle =
    // bigger conversion. Tooltip shows amount + tax incurred.
    const maxConv = rows.reduce((m, r) => Math.max(m, r.roth_conversion || 0), 0);
    rows.forEach((r) => {
      if (!r.roth_conversion || r.roth_conversion <= 0) return;
      const x = xFor(r.year);
      const y = yFor(dfl(r.total_usd, r.year));
      const sizeBoost = maxConv > 0 ? (r.roth_conversion / maxConv) : 1;
      const half = 4 + sizeBoost * 4; // 4 → 8 px
      svg.appendChild(svgEl('polygon', {
        points: x + ',' + (y - half - 4) + ' ' + (x + half) + ',' + (y - 4) + ' ' + (x - half) + ',' + (y - 4),
        fill: 'var(--tb-success)', stroke: '#fff', 'stroke-width': '1.5',
      }, [
        svgEl('title', null,
          r.year + ' — Roth conversion: $' + Math.round(r.roth_conversion).toLocaleString() +
          ' · US tax: $' + Math.round(r.roth_conversion_us_tax).toLocaleString() +
          (r.roth_conversion_jp_tax > 0 ? ' · JP tax: $' + Math.round(r.roth_conversion_jp_tax).toLocaleString() : '')),
      ]));
    });

    // Account event markers — diamond ◇ at the year of each
    // close_date / transfer event, on the total line.
    rows.forEach((r) => {
      if (!r.events || !r.events.length) return;
      const x = xFor(r.year);
      const y = yFor(dfl(r.total_usd, r.year));
      svg.appendChild(svgEl('polygon', {
        points: x + ',' + (y - 6) + ' ' + (x + 5) + ',' + y + ' ' + x + ',' + (y + 6) + ' ' + (x - 5) + ',' + y,
        fill: 'var(--tb-accent)', stroke: '#fff', 'stroke-width': '1.5',
      }, [
        svgEl('title', null, r.events.map((ev) => {
          if (ev.type === 'transfer') return r.year + ' — ' + ev.from_name + ' → ' + ev.to_name + ' ($' + Math.round(ev.amount_usd).toLocaleString() + ')';
          return r.year + ' — ' + ev.from_name + ' closed';
        }).join('\n')),
      ]));
    });

    // Vertical reference lines: retire, juminhyou
    const inputs = getInputs();
    const retireYear = rows.find((r) => r.age === inputs.retire_age);
    if (retireYear) {
      const x = xFor(retireYear.year);
      svg.appendChild(svgEl('line', {
        x1: x, y1: padT, x2: x, y2: padT + innerH,
        stroke: 'var(--tb-warn)', 'stroke-dasharray': '4,4', 'stroke-width': '1.5',
      }));
      svg.appendChild(svgEl('text', {
        x, y: padT - 4, 'text-anchor': 'middle',
        'font-size': '10', fill: 'var(--tb-warn)', 'font-weight': '600',
      }, t('proj.chart.retire')));
    }
    if (result.juminhyou_year) {
      const x = xFor(result.juminhyou_year);
      svg.appendChild(svgEl('line', {
        x1: x, y1: padT, x2: x, y2: padT + innerH,
        stroke: 'var(--tb-error)', 'stroke-dasharray': '4,4', 'stroke-width': '1.5',
      }));
      svg.appendChild(svgEl('text', {
        x, y: padT - 4, 'text-anchor': 'middle',
        'font-size': '10', fill: 'var(--tb-error)', 'font-weight': '600',
      }, '住民票'));
    }

    // X-axis: year ticks every ~5 years
    const tickEvery = Math.max(1, Math.round(yearSpan / 10));
    for (let yr = yearMin; yr <= yearMax; yr++) {
      if ((yr - yearMin) % tickEvery !== 0 && yr !== yearMax) continue;
      const x = xFor(yr);
      svg.appendChild(svgEl('text', {
        x, y: H - padB + 14, 'text-anchor': 'middle',
        'font-size': '10', fill: 'var(--tb-text-soft)',
      }, String(yr)));
    }

    // Axis titles
    svg.appendChild(svgEl('text', {
      x: padL, y: padT - 10, 'text-anchor': 'start',
      'font-size': '10', fill: 'var(--tb-text-soft)',
    }, t('proj.chart.axis_left')));
    svg.appendChild(svgEl('text', {
      x: W - padR, y: padT - 10, 'text-anchor': 'end',
      'font-size': '10', fill: 'var(--tb-text-soft)',
    }, t('proj.chart.axis_right')));

    // Vertical hover guide line (hidden until mouseover).
    const hoverLine = svgEl('line', {
      x1: padL, y1: padT, x2: padL, y2: padT + innerH,
      stroke: 'var(--tb-text)', 'stroke-width': '1', 'stroke-dasharray': '2,2',
      opacity: '0', 'pointer-events': 'none',
    });
    svg.appendChild(hoverLine);

    // Year label at the top of the hover line.
    const hoverLabel = svgEl('text', {
      x: padL, y: padT - 2, 'text-anchor': 'middle',
      'font-size': '10', fill: 'var(--tb-text)', 'font-weight': '600',
      opacity: '0', 'pointer-events': 'none',
    });
    svg.appendChild(hoverLabel);

    // Invisible mouse-capture rect over the plot area. SVG mousemove
    // listener finds the nearest year and updates both the in-chart
    // hover guide and the side panel.
    const captureRect = svgEl('rect', {
      x: padL, y: padT, width: innerW, height: innerH,
      fill: 'transparent', cursor: 'crosshair',
    });
    captureRect.addEventListener('mousemove', (e) => {
      const rect = svg.getBoundingClientRect();
      // Map clientX to viewBox x using the SVG's rendered scale.
      const scaleX = W / rect.width;
      const xInSvg = (e.clientX - rect.left) * scaleX;
      const yearAtX = yearMin + ((xInSvg - padL) / innerW) * yearSpan;
      const nearest = rows.reduce((best, r) =>
        Math.abs(r.year - yearAtX) < Math.abs(best.year - yearAtX) ? r : best, rows[0]);
      const x = xFor(nearest.year);
      hoverLine.setAttribute('x1', x);
      hoverLine.setAttribute('x2', x);
      hoverLine.setAttribute('opacity', '0.6');
      hoverLabel.setAttribute('x', x);
      hoverLabel.textContent = String(nearest.year);
      hoverLabel.setAttribute('opacity', '1');
      if (hoverPanel) fillHoverPanel(hoverPanel, result, nearest.year);
    });
    captureRect.addEventListener('mouseleave', () => {
      // Keep last hovered state visible — don't clear panel.
      // Just dim the guide line a little.
      hoverLine.setAttribute('opacity', '0.2');
    });
    svg.appendChild(captureRect);

    return svg;
  }

  // Concise chart legend. Top row: always-shown reference markers
  // (total / income / retirement / 住民票). Bottom row: ONLY the
  // wrappers that actually have non-zero balance in the visible
  // year range — otherwise the legend bloats to 20 wrappers most
  // users don't have.
  function buildChartLegend(result) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const ui = getUiState();
    const visibleRows = filterRowsByYear(result.rows, ui.year_filter);
    const presentWrappers = new Set();
    for (const r of visibleRows) {
      for (const a of r.by_account) {
        if (a.balance_usd > 0) presentWrappers.add(a.tax_wrapper);
      }
    }
    const wrappers = ((TB.assets && TB.assets.WRAPPERS) || [])
      .filter((w) => presentWrappers.has(w.id));

    function chip(color, label) {
      return el('span', {
        style: {
          display: 'inline-flex', alignItems: 'center', gap: '4px', marginRight: '8px',
        },
      },
        el('span', {
          style: { width: '10px', height: '10px', borderRadius: '50%', background: color, display: 'inline-block' },
        }),
        el('span', null, label),
      );
    }
    const refRow = el('div', {
      style: {
        display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-2)',
        marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)',
      },
    });
    refRow.appendChild(chip('#D4A017', t('proj.legend.total')));
    refRow.appendChild(chip('var(--tb-success)', t('proj.legend.income')));
    refRow.appendChild(chip('var(--tb-success)', '▲ ' + t('proj.legend.roth_marker')));
    refRow.appendChild(chip('var(--tb-accent)', '◆ ' + t('proj.legend.event_marker')));
    refRow.appendChild(chip('var(--tb-warn)', t('proj.legend.retire')));
    refRow.appendChild(chip('var(--tb-error)', '住民票'));

    const wrapperRow = el('div', {
      style: {
        display: 'flex', flexWrap: 'wrap', gap: '6px 12px',
        marginTop: '6px', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)',
      },
    });
    if (wrappers.length === 0) {
      wrapperRow.appendChild(el('span', null, t('proj.legend.no_wrappers')));
    } else {
      for (const w of wrappers) {
        wrapperRow.appendChild(el('span', {
          style: { display: 'inline-flex', alignItems: 'center', gap: '4px' },
        },
          el('span', { style: { width: '10px', height: '10px', borderRadius: '2px', background: w.color, display: 'inline-block' } }),
          el('span', null, t('assets.wrapper.' + w.id) || w.id),
        ));
      }
    }

    return el('div', null, refRow, wrapperRow);
  }

  // Toggle a hidden "monthly" tr that follows the year row in the
  // breakdown table. v1 model: all annual figures divided by 12;
  // future events (CD maturity, RSU vest, bonus) get inserted at
  // their actual month. For Phase 3 we just split annuals + flag
  // the close_date events at their actual month if present.
  function toggleMonthlyRow(parentTr, row) {
    const next = parentTr.nextElementSibling;
    const toggle = parentTr.querySelector('[data-mo-toggle]');
    if (next && next.dataset.monthlyFor === String(row.year)) {
      next.remove();
      if (toggle) toggle.textContent = '▸';
      return;
    }
    const monthlyTr = buildMonthlyRow(row);
    parentTr.parentNode.insertBefore(monthlyTr, parentTr.nextSibling);
    if (toggle) toggle.textContent = '▾';
  }

  function buildMonthlyRow(row) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const ui = getUiState();
    const dfl = (v, yr) => deflated(v, yr, ui);

    const tr = document.createElement('tr');
    tr.dataset.monthlyFor = String(row.year);
    tr.style.background = row.is_post_juminhyou ? 'rgba(178, 58, 58, 0.04)' : 'var(--tb-bg)';

    const td = document.createElement('td');
    td.colSpan = 13; // matches our header column count
    td.style.padding = 'var(--tb-sp-3)';
    td.style.borderBottom = '1px solid var(--tb-border)';

    const wrap = el('div');

    // Full milestone + event text shown prominently here — the
    // breakdown table's Notes column is intentionally clipped to
    // keep the table dense, so this is where users see everything.
    const milestoneNote = (row.milestones || []).map((m) => t('proj.milestone.' + m)).filter(Boolean).join(' · ');
    const eventNote = (row.events || []).map((ev) => {
      if (ev.type === 'transfer') return '🔁 ' + ev.from_name + ' → ' + ev.to_name + ' ($' + Math.round(ev.amount_usd).toLocaleString() + ')';
      if (ev.type === 'close')    return '🔒 ' + ev.from_name + ' closed';
      return '';
    }).filter(Boolean).join(' · ');
    const fullNotes = [milestoneNote, eventNote].filter(Boolean).join('  ·  ');
    if (fullNotes) {
      wrap.appendChild(el('div', {
        style: {
          fontSize: 'var(--tb-fs-12)',
          padding: '6px 10px',
          marginBottom: 'var(--tb-sp-2)',
          background: 'var(--tb-bg-elev)',
          borderLeft: '3px solid var(--tb-navy)',
          borderRadius: 'var(--tb-radius-1)',
          fontWeight: '600',
        },
      }, fullNotes));
    }

    wrap.appendChild(el('div', {
      style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginBottom: 'var(--tb-sp-2)', fontStyle: 'italic' },
    }, t('proj.monthly.help')));

    // Month-by-month table.
    const moTable = el('table', {
      style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-12)' },
    });
    const thStyle = { textAlign: 'right', padding: '3px 8px', borderBottom: '1px solid var(--tb-border)', color: 'var(--tb-text-soft)', fontWeight: '600' };
    const thStyleL = Object.assign({}, thStyle, { textAlign: 'left' });
    moTable.appendChild(el('thead', null,
      el('tr', null,
        el('th', { style: thStyleL }, t('proj.monthly.col.month')),
        el('th', { style: thStyle  }, t('proj.monthly.col.salary')),
        el('th', { style: thStyle  }, t('proj.monthly.col.contrib')),
        el('th', { style: thStyle  }, t('proj.monthly.col.draw')),
        el('th', { style: thStyle  }, t('proj.monthly.col.tax')),
        el('th', { style: thStyle  }, t('proj.monthly.col.ss')),
        el('th', { style: thStyle  }, t('proj.monthly.col.net')),
        el('th', { style: thStyleL }, t('proj.monthly.col.events')),
      ),
    ));
    const tdStyle = { textAlign: 'right', padding: '3px 8px', borderBottom: '1px dashed var(--tb-border)', fontFamily: 'var(--tb-font-mono)' };
    const tdStyleL = Object.assign({}, tdStyle, { textAlign: 'left' });

    // Annual amounts → monthly with REAL events (Phase 4):
    //   • Salary spread evenly except bonus_month gets the bonus
    //     (bonus_pct_of_salary % of base salary) added on top
    //   • Contributions follow salary pattern (extra contrib in
    //     bonus month if matched)
    //   • Estimated tax payments hit Apr/Jun/Sep/Jan (US quarterly)
    //   • JP 住民税 payments hit Jun/Aug/Oct/Jan (4 installments)
    //   • RSU vests on rsu_vest_months — adds to monthly income +
    //     extra contrib + extra tax that month
    //   • Roth conversions placed at month 3 (typical Q1 timing)
    //   • close_date events fire at month 1 (start of year)
    const inputs = getInputs();
    const months = ['Jan','Feb','Mar','Apr','May','Jun','Jul','Aug','Sep','Oct','Nov','Dec'];
    const bonusMonth = (inputs.bonus_month || 3) - 1; // 0-indexed
    const bonusPct = (inputs.bonus_pct_of_salary || 0) / 100;
    const baseMo = row.salary * (1 - bonusPct) / 12;       // base salary spread, excluding bonus
    const bonusOnce = row.salary * bonusPct;                // bonus paid once

    const fullContrib = row.emp_contrib + row.employer_match + (row.catch_up_contrib || 0);
    // Match contribution pattern to salary so bonus month sees an
    // outsized contribution (matching reality for percentage-based
    // contributions).
    const contribBase = fullContrib * (1 - bonusPct) / 12;
    const contribBonus = fullContrib * bonusPct;

    const moDraw = row.withdraw_actual / 12;
    const ssMo = row.ss_annual / 12;
    const annualTax = row.us_tax + row.jp_tax + (row.penalty || 0) + (row.niit || 0) + (row.state_tax || 0);
    // US estimated tax — 4 quarterly payments. JP juminze — 4 installments.
    // For working-year US tax, withholding is monthly via paycheck.
    // For retirement-year US tax, model as 4 quarterly estimated.
    function taxThisMonth(m) {
      if (row.phase === 'accum') {
        // Withholding model — spread evenly with paycheck.
        return annualTax / 12;
      }
      // Distribution — quarterly estimated payments (Apr/Jun/Sep/Jan).
      // Months: 0=Jan, 3=Apr, 5=Jun, 8=Sep
      if (m === 3 || m === 5 || m === 8 || m === 0) return annualTax / 4;
      return 0;
    }
    // IRMAA Medicare premium — paid monthly when 65+.
    const irmaaMo = (row.irmaa || 0) / 12;
    // Medicare base premium ($202.90/mo standard 2026; see constants.js /
    // CLAIM-LEDGER) — only when 65+.
    const medicareBaseMo = row.age >= 65 ? (inputs.medicare_part_b_base_monthly || 202.90) : 0;

    const fmt = (v) => v ? TB.utils.formatUSD(v, { maximumFractionDigits: 0 }) : '—';

    // RSU vest schedule — distribute any "RSU income" evenly across
    // vest months. We don't model RSU income explicitly yet, so this
    // is just a label: shows "RSU vest" event marker.
    const rsuMonths = (inputs.rsu_vest_months || []).map((m) => m - 1);

    const tbody = el('tbody');
    for (let m = 0; m < 12; m++) {
      const events = [];
      // close_date events fire at month 1 (start of year).
      if (m === 0 && row.events && row.events.length) {
        for (const ev of row.events) {
          if (ev.type === 'transfer') events.push('🔁 ' + ev.from_name + ' → ' + ev.to_name);
          if (ev.type === 'close')    events.push('🔒 ' + ev.from_name + ' closed');
        }
      }
      if (m === 2 && row.roth_conversion > 0) {
        events.push('🟢 Roth conv $' + Math.round(row.roth_conversion).toLocaleString());
      }
      if (m === bonusMonth && bonusOnce > 0) {
        events.push('💰 Bonus $' + Math.round(bonusOnce).toLocaleString());
      }
      if (rsuMonths.indexOf(m) !== -1 && row.phase === 'accum') {
        events.push('📈 RSU vest');
      }
      // US estimated tax payment marker
      if (row.phase === 'dist' && (m === 3 || m === 5 || m === 8 || m === 0)) {
        events.push('🇺🇸 Q tax');
      }
      // JP juminze installment marker (post-住民票 only)
      if (row.is_post_juminhyou && (m === 5 || m === 7 || m === 9 || m === 0)) {
        events.push('🇯🇵 住民税');
      }
      // Medicare/IRMAA marker — first month of 65
      if (row.age === 65 && m === 0) {
        events.push('🏥 Medicare starts');
      }

      const moSalary = baseMo + (m === bonusMonth ? bonusOnce : 0);
      const moContrib = contribBase + (m === bonusMonth ? contribBonus : 0);
      const moTax = taxThisMonth(m);
      const moMedicare = medicareBaseMo + irmaaMo;
      // Net monthly = income - tax - medicare
      const moNet = moSalary + ssMo + moDraw - moTax - moMedicare;

      tbody.appendChild(el('tr', null,
        el('td', { style: tdStyleL }, months[m]),
        el('td', { style: tdStyle  }, fmt(dfl(moSalary, row.year))),
        el('td', { style: tdStyle  }, fmt(dfl(moContrib, row.year))),
        el('td', { style: tdStyle  }, fmt(dfl(moDraw, row.year))),
        el('td', { style: tdStyle  }, fmt(dfl(moTax, row.year))),
        el('td', { style: tdStyle  }, fmt(dfl(ssMo, row.year))),
        el('td', { style: Object.assign({}, tdStyle, { fontWeight: '600' }) }, fmt(dfl(moNet, row.year))),
        el('td', { style: Object.assign({}, tdStyleL, { color: 'var(--tb-text-soft)' }) }, events.join(' · ')),
      ));
    }
    moTable.appendChild(tbody);
    wrap.appendChild(moTable);
    td.appendChild(wrap);
    tr.appendChild(td);
    return tr;
  }

  // CSV export — download the year-by-year breakdown table as a
  // spreadsheet-friendly file. Includes all numeric columns + notes.
  // Quotes any cell with a comma so Excel parses cleanly.
  function exportBreakdownCsv(result) {
    const t = TB.i18n.t;
    const cols = [
      { key: 'year',                 label: 'Year' },
      { key: 'age',                  label: 'Age' },
      { key: 'phase',                label: 'Phase' },
      { key: 'is_post_juminhyou',    label: 'Post 住民票' },
      { key: 'salary',               label: 'Salary' },
      { key: 'emp_contrib',          label: 'Emp Contrib' },
      { key: 'catch_up_contrib',     label: 'Catch-up' },
      { key: 'employer_match',       label: 'Employer Match' },
      { key: 'total_usd',            label: 'Portfolio Total' },
      { key: 'withdraw_actual',      label: 'Withdraw' },
      { key: 'roth_conversion',      label: 'Roth Conversion' },
      { key: 'us_tax',               label: 'US Tax' },
      { key: 'jp_tax',               label: 'JP Tax' },
      { key: 'state_tax',            label: 'State Tax' },
      { key: 'niit',                 label: 'NIIT' },
      { key: 'irmaa',                label: 'IRMAA' },
      { key: 'penalty',              label: 'Early Penalty' },
      { key: 'ss_annual',            label: 'Social Security' },
      { key: 'net_monthly_usd',      label: 'Net Monthly' },
      { key: 'milestones',           label: 'Milestones' },
      { key: 'events',               label: 'Events' },
    ];
    const rows = result.rows || [];
    function csvEscape(v) {
      if (v == null) return '';
      const s = String(v);
      if (s.indexOf(',') !== -1 || s.indexOf('"') !== -1 || s.indexOf('\n') !== -1) {
        return '"' + s.replaceAll('"', '""') + '"';
      }
      return s;
    }
    function fmtCell(r, key) {
      const v = r[key];
      if (key === 'milestones' && Array.isArray(v)) {
        return v.map((m) => t('proj.milestone.' + m) || m).join(' · ');
      }
      if (key === 'events' && Array.isArray(v)) {
        return v.map((ev) => {
          if (ev.type === 'transfer') return ev.from_name + ' → ' + ev.to_name + ' ($' + Math.round(ev.amount_usd) + ')';
          if (ev.type === 'close')    return ev.from_name + ' closed';
          return '';
        }).filter(Boolean).join(' · ');
      }
      if (key === 'is_post_juminhyou') return v ? 'YES' : '';
      if (typeof v === 'number') return v.toFixed(2);
      return v != null ? String(v) : '';
    }
    const header = cols.map((c) => csvEscape(c.label)).join(',');
    const body = rows.map((r) =>
      cols.map((c) => csvEscape(fmtCell(r, c.key))).join(',')
    ).join('\n');
    const csv = header + '\n' + body + '\n';

    // Filename includes scenario name + date for tidy archiving.
    const ui = getUiState();
    const scenarios = TB.state.get('projections.scenarios') || [];
    const active = scenarios.find((s) => s.id === ui.scenario_id);
    const scenarioLabel = active ? active.name.replace(/[^a-z0-9_-]+/gi, '_') : 'working';
    const today = new Date().toISOString().slice(0, 10);
    const filename = 'taigan-projection-' + scenarioLabel + '-' + today + '.csv';

    TB.utils.downloadFile(filename, csv, 'text/csv;charset=utf-8');
  }

  function buildBreakdownTable(result) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    // Title row with CSV export button on the right.
    card.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', marginBottom: 'var(--tb-sp-2)' },
    },
      el('h3', { style: { margin: 0 } }, t('proj.table.title')),
      el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => exportBreakdownCsv(result),
      }, '⬇ ' + t('proj.table.csv')),
    ));
    card.appendChild(el('p', { class: 'tb-field-help' }, t('proj.table.help')));

    const wrap = el('div', { style: { overflowX: 'auto' } });
    const table = el('table', {
      style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-12)', whiteSpace: 'nowrap', tableLayout: 'auto' },
    });
    const thStyle = { textAlign: 'right', padding: '4px 8px', borderBottom: '1px solid var(--tb-border)', color: 'var(--tb-text-soft)', fontWeight: '600' };
    const thStyleL = Object.assign({}, thStyle, { textAlign: 'left' });
    table.appendChild(el('thead', null,
      el('tr', null,
        el('th', { style: thStyleL }, t('proj.table.col.year')),
        el('th', { style: thStyleL }, t('proj.table.col.age')),
        el('th', { style: thStyleL }, t('proj.table.col.phase')),
        el('th', { style: thStyle  }, t('proj.table.col.salary')),
        el('th', { style: thStyle  }, t('proj.table.col.contrib')),
        el('th', { style: thStyle  }, t('proj.table.col.total')),
        el('th', { style: thStyle  }, t('proj.table.col.draw')),
        el('th', { style: thStyle  }, t('proj.table.col.roth_conv')),
        el('th', { style: thStyle  }, t('proj.table.col.us_tax')),
        el('th', { style: thStyle  }, t('proj.table.col.jp_tax')),
        el('th', { style: thStyle  }, t('proj.table.col.penalty')),
        el('th', { style: thStyle  }, t('proj.table.col.ss')),
        el('th', { style: thStyle  }, t('proj.table.col.net_mo')),
        el('th', { style: thStyleL }, t('proj.table.col.notes')),
      ),
    ));

    const tbody = el('tbody');
    const tdR = { textAlign: 'right', padding: '4px 8px', borderBottom: '1px dashed var(--tb-border)', fontFamily: 'var(--tb-font-mono)' };
    const tdL = { textAlign: 'left',  padding: '4px 8px', borderBottom: '1px dashed var(--tb-border)' };
    // Notes cell: clipped to one line with ellipsis. Full text shown
    // in the title attribute (browser tooltip) AND in the click-to-
    // expand monthly view, so nothing is hidden — just collapsed for
    // table density. Fixed width so it doesn't push other columns.
    const tdNotes = {
      textAlign: 'left', padding: '4px 8px', borderBottom: '1px dashed var(--tb-border)',
      color: 'var(--tb-text-soft)',
      maxWidth: '180px', overflow: 'hidden', textOverflow: 'ellipsis',
      whiteSpace: 'nowrap',
    };
    const fmt = (v) => v ? TB.utils.formatUSD(v, { maximumFractionDigits: 0 }) : '—';

    const ui = getUiState();
    const dfl = (v, yr) => deflated(v, yr, ui);
    // pairCell wraps fmtCurrencyPair so each table cell shows USD or
    // JPY primary with the other in the clickable parenthetical. The
    // function is local because it captures `dfl` for inflation view.
    function pairCell(v, year) {
      if (v == null || !isFinite(v) || v === 0) {
        const t = document.createElement('span');
        t.textContent = '—';
        return t;
      }
      return fmtCurrencyPair(dfl(v, year));
    }

    for (const r of result.rows) {
      const milestoneNote = r.milestones.map((m) => t('proj.milestone.' + m)).filter(Boolean).join(' · ');
      const eventNotes = (r.events || []).map((ev) => {
        if (ev.type === 'transfer') return '🔁 ' + ev.from_name + ' → ' + ev.to_name + ' ($' + Math.round(ev.amount_usd).toLocaleString() + ')';
        if (ev.type === 'close')    return '🔒 ' + ev.from_name + ' closed';
        return '';
      }).filter(Boolean).join(' · ');
      const allNotes = [milestoneNote, eventNotes].filter(Boolean).join(' · ');
      // Build the contrib cell with a tooltip listing the SECURE 2.0
      // catch-up tier when one applies, e.g. "$23.5K base + $7.5K (50+)".
      const contribTotal = r.emp_contrib + r.employer_match + (r.catch_up_contrib || 0);
      let contribTooltip = '';
      if (r.catch_up_contrib > 0) {
        const tierLabel = r.catch_up_kind === 'secure_60_63' ? 'SECURE 2.0 60-63'
                        : r.catch_up_kind === 'standard50'   ? '50+ catch-up'
                        : 'catch-up';
        contribTooltip = 'Base $' + Math.round(r.emp_contrib).toLocaleString() +
                         ' + Catch-up $' + Math.round(r.catch_up_contrib).toLocaleString() + ' (' + tierLabel + ')' +
                         ' + Match $' + Math.round(r.employer_match).toLocaleString() +
                         (r.section_603_active ? '  ·  Section 603: catch-up routed to Roth' : '');
      }

      const tr = el('tr', {
        style: Object.assign({ cursor: 'pointer' }, r.is_post_juminhyou ? { background: 'rgba(178, 58, 58, 0.04)' } : {}),
        title: t('proj.table.row.expand'),
        onclick: (e) => {
          // Don't toggle if a child input/button was clicked.
          if (e.target.closest('input,button,a,select')) return;
          toggleMonthlyRow(tr, r);
        },
      },
        el('td', { style: tdL },
          el('span', { 'data-mo-toggle': '', style: { color: 'var(--tb-text-soft)', marginRight: '4px', fontSize: '10px', display: 'inline-block', width: '10px' } }, '▸'),
          String(r.year)),
        el('td', { style: tdL }, String(r.age)),
        el('td', { style: tdL },
          el('span', {
            style: {
              padding: '1px 6px', borderRadius: '3px', fontSize: '10px',
              background: r.phase === 'accum' ? 'var(--tb-success)' : 'var(--tb-warn)',
              color: '#fff',
            },
          }, t('proj.phase.' + r.phase))),
        el('td', { style: tdR }, pairCell(r.salary, r.year)),
        el('td', {
          style: Object.assign({}, tdR, r.catch_up_contrib > 0 ? { color: 'var(--tb-success)' } : {}),
          title: contribTooltip,
        }, pairCell(contribTotal, r.year)),
        el('td', { style: Object.assign({}, tdR, { fontWeight: '600' }) }, pairCell(r.total_usd, r.year)),
        el('td', { style: tdR }, pairCell(r.withdraw_actual, r.year)),
        el('td', {
          style: Object.assign({}, tdR, (r.roth_conversion || 0) > 0 ? { color: 'var(--tb-success)', fontWeight: '600' } : {}),
          title: (r.roth_conversion_jp_tax || 0) > 0
            ? 'Conversion taxed by JP at marginal rate (post-住民票) — costly!' : '',
        }, pairCell(r.roth_conversion, r.year)),
        el('td', { style: tdR }, pairCell(r.us_tax, r.year)),
        el('td', { style: Object.assign({}, tdR, r.jp_tax > 0 ? { color: 'var(--tb-error)' } : {}) }, pairCell(r.jp_tax, r.year)),
        el('td', {
          style: Object.assign({}, tdR, r.penalty > 0 ? { color: 'var(--tb-error)', fontWeight: '600' } : {}),
          title: r.penalty > 0 ? '10% early-withdrawal penalty (or 20% for HSA before 65). Rule of 55 exempts 401(k)/TSP when retiring at 55+.' : '',
        }, pairCell(r.penalty, r.year)),
        el('td', { style: tdR }, pairCell(r.ss_annual, r.year)),
        el('td', { style: Object.assign({}, tdR, { fontWeight: '600' }) }, pairCell(r.net_monthly_usd, r.year)),
        el('td', { style: tdNotes, title: allNotes || '' }, allNotes),
      );
      tbody.appendChild(tr);
    }
    table.appendChild(tbody);
    wrap.appendChild(table);
    card.appendChild(wrap);
    return card;
  }

  // ====================================================================
  // Japan Inheritance Tax Mitigation — sub-section under Tax Strategy
  // ====================================================================
  //
  // The headline jpinheritance callout warns about the 10-year worldwide-
  // assets clock and rates. This section presents the concrete legal
  // mitigation strategies — each as its own colored callout so users
  // can scan and act. Sourced from Japan tax code + reference summary
  // at tax-ms.jp/how-to-reduce-inheritance-tax-in-japan-legal-methods.
  //
  // Important caveat embedded in every callout: this is reference
  // material, not advice. Inheritance tax planning ALWAYS requires a
  // licensed Japanese 税理士 (zeirishi) — most strategies have multi-
  // year lookback rules and tight documentation requirements.

  function buildInheritanceMitigationSection() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const wrap = el('div', {
      style: {
        marginLeft: 'var(--tb-sp-3)',
        paddingLeft: 'var(--tb-sp-3)',
        borderLeft: '2px dotted var(--tb-warn)',
        marginTop: 'var(--tb-sp-3)',
        marginBottom: 'var(--tb-sp-3)',
      },
    });
    wrap.appendChild(el('h4', { style: { marginTop: 0, color: 'var(--tb-warn)' } },
      '📜 ' + t('proj.tax.jpinhmitigation.section.title')));
    wrap.appendChild(el('p', { class: 'tb-field-help', style: { margin: '0 0 var(--tb-sp-3)' } },
      t('proj.tax.jpinhmitigation.section.help')));

    function smallCallout(severity, titleKey, bodyKey) {
      const colors = {
        warn:    'var(--tb-warn)',
        info:    'var(--tb-text-soft)',
        success: 'var(--tb-success)',
        error:   'var(--tb-error)',
      };
      const color = colors[severity] || colors.info;
      return el('div', {
        style: {
          borderLeft: '3px solid ' + color,
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          marginBottom: 'var(--tb-sp-2)',
          background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-2)',
          fontSize: 'var(--tb-fs-14)',
        },
      },
        el('div', { style: { fontWeight: '600', color, marginBottom: '4px' } }, t(titleKey)),
        el('p', { style: { margin: 0, lineHeight: '1.55' } }, t(bodyKey)),
      );
    }

    // Order: most-leveraged / lowest-friction first
    wrap.appendChild(smallCallout('success', 'proj.tax.jpinhmit.gifting.title',          'proj.tax.jpinhmit.gifting.body'));
    wrap.appendChild(smallCallout('success', 'proj.tax.jpinhmit.spouse.title',           'proj.tax.jpinhmit.spouse.body'));
    wrap.appendChild(smallCallout('success', 'proj.tax.jpinhmit.lifeinsurance.title',    'proj.tax.jpinhmit.lifeinsurance.body'));
    wrap.appendChild(smallCallout('success', 'proj.tax.jpinhmit.smallres.title',         'proj.tax.jpinhmit.smallres.body'));
    wrap.appendChild(smallCallout('info',    'proj.tax.jpinhmit.education.title',        'proj.tax.jpinhmit.education.body'));
    wrap.appendChild(smallCallout('info',    'proj.tax.jpinhmit.marriage.title',         'proj.tax.jpinhmit.marriage.body'));
    wrap.appendChild(smallCallout('info',    'proj.tax.jpinhmit.realestate.title',       'proj.tax.jpinhmit.realestate.body'));
    wrap.appendChild(smallCallout('info',    'proj.tax.jpinhmit.rental.title',           'proj.tax.jpinhmit.rental.body'));
    wrap.appendChild(smallCallout('info',    'proj.tax.jpinhmit.adoption.title',         'proj.tax.jpinhmit.adoption.body'));
    wrap.appendChild(smallCallout('warn',    'proj.tax.jpinhmit.settlementtax.title',    'proj.tax.jpinhmit.settlementtax.body'));
    wrap.appendChild(smallCallout('error',   'proj.tax.jpinhmit.preten.title',           'proj.tax.jpinhmit.preten.body'));
    wrap.appendChild(smallCallout('warn',    'proj.tax.jpinhmit.ustreaty.title',         'proj.tax.jpinhmit.ustreaty.body'));
    wrap.appendChild(smallCallout('error',   'proj.tax.jpinhmit.notrust.title',          'proj.tax.jpinhmit.notrust.body'));

    // Reference link — National Tax Agency primary source.
    wrap.appendChild(el('div', {
      style: { marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' },
    },
      t('proj.tax.jpinhmit.section.references') + ' ',
      el('a', {
        href: 'https://www.nta.go.jp/english/taxes/individual/12010.htm',
        target: '_blank', rel: 'noopener noreferrer',
        style: { color: 'var(--tb-navy)' },
      }, 'NTA inheritance tax overview'),
    ));

    return wrap;
  }

  // ====================================================================
  // Roth Conversion Ladder editor (Phase 3)
  // ====================================================================
  //
  // Per-year list of {year, amount_usd}. Adds/edits/deletes; live-
  // refreshes the projection on every change. Bracket-fill auto-
  // suggest pre-fills conversions for every pre-住民票 year up to a
  // configurable headroom (default $50K) so the user can see what a
  // standard ladder looks like, then tune from there.

  function getConversions() {
    const c = TB.state.get('projections.inputs.roth_conversions');
    return Array.isArray(c) ? c.slice() : [];
  }
  function setConversions(arr) {
    setInputField('roth_conversions', arr);
  }

  // Roth ladder optimizer modal. Shows a preview of the optimal
  // conversion ladder for the user's currently-selected target bracket,
  // displays year-by-year amounts + capping reasons (bracket / balance
  // / window), and lets the user accept to overwrite the current
  // conversion entries.
  function openOptimizerModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const inputs = getInputs();
    const accounts = (TB.assets && TB.assets.getActiveAccounts)
      ? TB.assets.getActiveAccounts() : [];
    const sofaProfile = TB.state.get('sofa.profile') || {};

    let targetRate = 22;
    let maxPerYear = null;

    function close() { root.innerHTML = ''; }

    function paint() {
      const result = optimizeRothLadder(inputs, accounts, sofaProfile, {
        target_rate: targetRate,
        max_per_year: maxPerYear,
      });
      root.innerHTML = '';
      const backdrop = el('div', { class: 'tb-modal-backdrop' });
      const modal = el('div', { class: 'tb-modal', style: { maxWidth: '720px' } });
      backdrop.appendChild(modal);
      backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });
      modal.appendChild(el('button', { class: 'tb-modal-close', type: 'button', onclick: close }, '×'));
      modal.appendChild(el('h2', { style: { marginTop: 0 } },
        '🎯 ' + t('proj.optimize.title')));
      modal.appendChild(el('p', { class: 'tb-card-meta' }, t('proj.optimize.intro')));

      // Strategy controls
      const ctrlRow = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-3)', flexWrap: 'wrap', marginBottom: 'var(--tb-sp-3)' } });
      ctrlRow.appendChild(el('div', null,
        el('label', { class: 'tb-field-label' }, t('proj.optimize.targetBracket')),
        el('select', {
          class: 'tb-select',
          onchange: (e) => { targetRate = parseInt(e.target.value, 10); paint(); },
        },
          [12, 22, 24, 32].map((r) => el('option', {
            value: r, selected: r === targetRate,
          }, t('proj.optimize.bracket', { pct: r }))),
        ),
      ));
      ctrlRow.appendChild(el('div', null,
        el('label', { class: 'tb-field-label' }, t('proj.optimize.maxPerYear')),
        el('input', {
          type: 'number', class: 'tb-input',
          style: { maxWidth: '160px' },
          value: maxPerYear || '',
          placeholder: t('proj.optimize.noLimit'),
          step: 10000, min: 0,
          oninput: (e) => {
            const v = parseFloat(e.target.value);
            maxPerYear = isFinite(v) && v > 0 ? v : null;
            paint();
          },
        }),
      ));
      modal.appendChild(ctrlRow);

      // Reason — no ladder possible.
      if (result.rows.length === 0) {
        let reason = t('proj.optimize.empty');
        if (result.reason === 'no_trad_balance') reason = t('proj.optimize.noTradBalance');
        else if (result.reason === 'window_closed') reason = t('proj.optimize.windowClosed');
        modal.appendChild(el('div', { class: 'tb-field-help' }, reason));
        const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', marginTop: 'var(--tb-sp-3)' } },
          el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('proj.optimize.close')),
        );
        modal.appendChild(btnRow);
        root.appendChild(backdrop);
        return;
      }

      // Headline stats
      modal.appendChild(el('div', {
        style: {
          display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(140px, 1fr))',
          gap: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-3)',
        },
      },
        miniStat(t('proj.optimize.stat.years'), result.rows.length),
        miniStat(t('proj.optimize.stat.converted'),
          '$' + Math.round(result.total_converted_usd).toLocaleString()),
        miniStat(t('proj.optimize.stat.usTax'),
          '$' + Math.round(result.total_us_tax_usd).toLocaleString()),
        miniStat(t('proj.optimize.stat.effectiveRate'),
          result.effective_rate_pct.toFixed(1) + '%'),
        result.remaining_trad_balance_usd > 0 ? miniStat(
          t('proj.optimize.stat.unconverted'),
          '$' + Math.round(result.remaining_trad_balance_usd).toLocaleString(),
          'var(--tb-warn)',
        ) : null,
      ));

      // Window-closing warning
      if (result.juminhyou_year != null) {
        modal.appendChild(el('div', {
          style: {
            padding: 'var(--tb-sp-2) var(--tb-sp-3)',
            background: 'rgba(185, 122, 26, 0.10)',
            borderLeft: '3px solid var(--tb-warn)',
            borderRadius: 'var(--tb-radius-1)',
            marginBottom: 'var(--tb-sp-3)',
            fontSize: 'var(--tb-fs-12)',
          },
        }, '⏳ ' + t('proj.optimize.windowNote', { year: result.juminhyou_year })));
      }

      // Per-year preview table
      const table = el('table', {
        style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-12)' },
      });
      table.appendChild(el('thead', null,
        el('tr', null,
          th(t('proj.optimize.col.year')),
          th(t('proj.optimize.col.age'), 'right'),
          th(t('proj.optimize.col.baseIncome'), 'right'),
          th(t('proj.optimize.col.bracketTop'), 'right'),
          th(t('proj.optimize.col.convert'), 'right'),
          th(t('proj.optimize.col.cappedBy'), 'left'),
        ),
      ));
      const tbody = el('tbody');
      const reasonLabel = {
        bracket: t('proj.optimize.capped.bracket'),
        balance: t('proj.optimize.capped.balance'),
        window:  t('proj.optimize.capped.window'),
        partial: t('proj.optimize.capped.partial'),
      };
      for (const r of result.rows) {
        tbody.appendChild(el('tr', null,
          td(r.year),
          td(r.age, 'right'),
          td('$' + r.base_taxable.toLocaleString(), 'right'),
          td('$' + r.target_top.toLocaleString(), 'right'),
          td(el('strong', null, '$' + r.amount_usd.toLocaleString()), 'right'),
          td(reasonLabel[r.capped_by] || r.capped_by, 'left'),
        ));
      }
      table.appendChild(tbody);
      modal.appendChild(table);

      modal.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-3)' } },
        t('proj.optimize.disclaimer')));

      // Action buttons
      const btnRow = el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', marginTop: 'var(--tb-sp-4)', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' } });
      btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('proj.optimize.cancel')));
      btnRow.appendChild(el('button', {
        class: 'tb-btn', type: 'button',
        onclick: () => {
          if ((getConversions() || []).length > 0) {
            if (!confirm(t('proj.optimize.replaceConfirm'))) return;
          }
          const ladder = result.rows.map((r) => ({ year: r.year, amount_usd: r.amount_usd }));
          setConversions(ladder);
          close();
          renderActiveTab();
          liveRefresh();
        },
      }, '✓ ' + t('proj.optimize.apply')));
      modal.appendChild(btnRow);

      root.appendChild(backdrop);
    }

    function miniStat(label, value, color) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          border: '1px solid var(--tb-border)',
        },
      },
        el('div', { style: { fontSize: '10px', textTransform: 'uppercase', letterSpacing: '0.04em', color: 'var(--tb-text-soft)', fontWeight: '600' } }, label),
        el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700', color: color || 'var(--tb-text)', fontSize: 'var(--tb-fs-16)', marginTop: '2px' } }, value),
      );
    }
    function th(text, align) {
      return el('th', {
        style: {
          padding: '6px 8px', textAlign: align || 'left',
          borderBottom: '1px solid var(--tb-border)',
          fontSize: '10px', fontWeight: '600', textTransform: 'uppercase',
          letterSpacing: '0.04em', color: 'var(--tb-text-soft)',
        },
      }, text);
    }
    function td(content, align) {
      return el('td', {
        style: {
          padding: '5px 8px', textAlign: align || 'left',
          borderBottom: '1px dashed var(--tb-border)',
          fontFamily: align === 'right' ? 'var(--tb-font-mono)' : 'inherit',
        },
      }, content);
    }

    paint();
  }

  function buildConversionEditor() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const inputs = getInputs();
    const conversions = getConversions().slice().sort((a, b) => a.year - b.year);
    const sofaProfile = TB.state.get('sofa.profile') || {};
    const taxAssump = TB.state.get('sofa.tax_assumptions') || {};

    const card = el('div', {
      style: {
        borderLeft: '3px solid var(--tb-success)',
        padding: 'var(--tb-sp-3) var(--tb-sp-4)',
        marginBottom: 'var(--tb-sp-3)',
        background: 'var(--tb-bg)',
        borderRadius: 'var(--tb-radius-2)',
      },
    });

    card.appendChild(el('div', { style: { fontWeight: '600', color: 'var(--tb-success)', marginBottom: 'var(--tb-sp-1)' } },
      t('proj.roth.title')));
    card.appendChild(el('p', { class: 'tb-field-help', style: { margin: 0 } }, t('proj.roth.help')));

    // Back-link to SOFA Roth Sequencer for the strategic context.
    card.appendChild(el('p', { class: 'tb-field-help', style: { margin: '6px 0 0' } },
      el('a', {
        href: '#',
        style: { color: 'var(--tb-success)' },
        onclick: (e) => {
          e.preventDefault();
          try { TB.state.set('sofa.ui_state.active_tab', 'sequence'); } catch (err) {}
          document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'sofa-roth' } }));
        },
      }, '↗ ' + t('proj.roth.viewInSofa')),
    ));

    // Lifetime conversion summary (from current cached result)
    const result = cachedResult;
    if (result) {
      let totalConv = 0, totalUs = 0, totalJp = 0;
      for (const r of result.rows) {
        totalConv += (r.roth_conversion || 0);
        totalUs   += (r.roth_conversion_us_tax || 0);
        totalJp   += (r.roth_conversion_jp_tax || 0);
      }
      if (totalConv > 0) {
        const stat = el('div', {
          style: {
            display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-3)',
            margin: 'var(--tb-sp-2) 0',
            padding: 'var(--tb-sp-2) var(--tb-sp-3)',
            background: 'var(--tb-bg-elev)', borderRadius: 'var(--tb-radius-1)',
            fontSize: 'var(--tb-fs-12)', fontFamily: 'var(--tb-font-mono)',
          },
        },
          el('span', null, t('proj.roth.summary.converted') + ': ', fmtCurrencyPair(totalConv, { layout: 'inline' })),
          el('span', { style: { color: 'var(--tb-text-soft)' } },
            t('proj.roth.summary.us_tax') + ': ', fmtCurrencyPair(totalUs, { layout: 'inline' })),
          totalJp > 0 ? el('span', { style: { color: 'var(--tb-error)' } },
            t('proj.roth.summary.jp_tax') + ': ', fmtCurrencyPair(totalJp, { layout: 'inline' })) : null,
        );
        card.appendChild(stat);
      }
    }

    // Current ladder rows
    const list = el('div', { style: { marginTop: 'var(--tb-sp-2)' } });
    if (conversions.length === 0) {
      list.appendChild(el('p', { class: 'tb-field-help', style: { fontStyle: 'italic' } }, t('proj.roth.empty')));
    } else {
      // Table-style layout
      const startYear = new Date().getFullYear();
      for (let i = 0; i < conversions.length; i++) {
        const c = conversions[i];
        const ageInYear = inputs.current_age + (c.year - startYear);
        const juminhyouDate = sofaProfile.juminhyou_target_date;
        const jYear = juminhyouDate && /^\d{4}/.test(juminhyouDate) ? parseInt(juminhyouDate.slice(0, 4), 10) : null;
        const isPostJ = jYear != null && c.year >= jYear;

        const row = el('div', {
          style: {
            display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)',
            padding: '6px 8px',
            borderRadius: 'var(--tb-radius-1)',
            background: isPostJ ? 'rgba(178, 58, 58, 0.06)' : 'var(--tb-bg-elev)',
            marginBottom: '4px',
          },
        });
        // Year input
        const yearInput = el('input', {
          type: 'number', class: 'tb-input',
          style: { width: '90px', padding: '4px 8px' },
          value: c.year, min: startYear, max: startYear + 60,
          onchange: (e) => {
            const v = parseInt(e.target.value, 10);
            if (isFinite(v)) {
              const arr = getConversions();
              arr[i] = Object.assign({}, arr[i], { year: v });
              setConversions(arr);
              renderActiveTab();
            }
          },
        });
        // Amount input
        const amtInput = el('input', {
          type: 'number', class: 'tb-input',
          style: { width: '140px', padding: '4px 8px', fontFamily: 'var(--tb-font-mono)' },
          value: c.amount_usd, min: 0, step: 1000,
          onchange: (e) => {
            const v = parseFloat(e.target.value);
            const arr = getConversions();
            arr[i] = Object.assign({}, arr[i], { amount_usd: isFinite(v) && v > 0 ? v : 0 });
            setConversions(arr);
            renderActiveTab();
            liveRefresh();
          },
        });
        row.appendChild(el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)', minWidth: '32px' } }, '#' + (i + 1)));
        row.appendChild(yearInput);
        row.appendChild(el('span', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)' } },
          t('proj.roth.row.age', { age: ageInYear })));
        row.appendChild(el('span', { style: { color: 'var(--tb-text-soft)' } }, '$'));
        row.appendChild(amtInput);
        if (isPostJ) {
          row.appendChild(el('span', {
            style: { color: 'var(--tb-error)', fontSize: 'var(--tb-fs-12)', fontWeight: '600' },
            title: t('proj.roth.row.postJ.tip'),
          }, '⚠ post-住民票'));
        }
        // Delete button
        row.appendChild(el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { marginLeft: 'auto', padding: '2px 8px', color: 'var(--tb-error)' },
          onclick: () => {
            const arr = getConversions();
            arr.splice(i, 1);
            setConversions(arr);
            renderActiveTab();
            liveRefresh();
          },
        }, '🗑'));
        list.appendChild(row);
      }
    }
    card.appendChild(list);

    // Buttons row
    const buttonsRow = el('div', { style: { display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-2)' } });

    buttonsRow.appendChild(el('button', {
      class: 'tb-btn', type: 'button',
      onclick: () => {
        const arr = getConversions();
        // Default to next year + $50K
        const startYear = new Date().getFullYear();
        const proposedYear = arr.length > 0
          ? Math.max(...arr.map(c => c.year)) + 1
          : startYear + 1;
        arr.push({ year: proposedYear, amount_usd: 50000 });
        setConversions(arr);
        renderActiveTab();
        liveRefresh();
      },
    }, '+ ' + t('proj.roth.add')));

    // Bracket-fill auto-suggest. Fills every year between now and
    // 住民票 (or retire_age, whichever is sooner) with a default
    // headroom amount. Replaces existing entries; user can edit after.
    buttonsRow.appendChild(el('button', {
      class: 'tb-btn tb-btn--secondary', type: 'button',
      onclick: () => {
        const startYear = new Date().getFullYear();
        const jDate = sofaProfile.juminhyou_target_date;
        const jYear = jDate && /^\d{4}/.test(jDate) ? parseInt(jDate.slice(0, 4), 10) : (startYear + 5);
        // Cap at retire year and 住民票, whichever comes first.
        const retireYear = startYear + (inputs.retire_age - inputs.current_age);
        const endYear = Math.min(jYear, retireYear) - 1;
        if (endYear < startYear + 1) {
          alert(t('proj.roth.fill.tooSoon'));
          return;
        }
        const headroom = parseFloat(prompt(t('proj.roth.fill.prompt'), '50000'));
        if (!isFinite(headroom) || headroom <= 0) return;
        const arr = [];
        for (let y = startYear + 1; y <= endYear; y++) {
          arr.push({ year: y, amount_usd: headroom });
        }
        setConversions(arr);
        renderActiveTab();
        liveRefresh();
      },
    }, '✨ ' + t('proj.roth.fill.button')));

    // Real optimizer — opens a modal where the user picks a target
    // bracket, sees a preview of the suggested ladder, and accepts to
    // replace their current entries. Smarter than the flat-amount fill.
    buttonsRow.appendChild(el('button', {
      class: 'tb-btn', type: 'button',
      onclick: () => openOptimizerModal(),
    }, '🎯 ' + t('proj.roth.optimize.button')));

    if (conversions.length > 0) {
      buttonsRow.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { color: 'var(--tb-error)' },
        onclick: () => {
          if (!confirm(t('proj.roth.clear.confirm'))) return;
          setConversions([]);
          renderActiveTab();
          liveRefresh();
        },
      }, t('proj.roth.clear.button')));
    }

    card.appendChild(buttonsRow);
    return card;
  }

  // ====================================================================
  // Tax Strategy tab — SOFA-aware callouts
  // ====================================================================

  function renderTaxStrategyTab(host) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const inputs = getInputs();
    const sofaProfile = TB.state.get('sofa.profile') || {};
    const taxAssump = TB.state.get('sofa.tax_assumptions') || {};
    const result = cachedResult;

    function callout(severity, titleKey, body) {
      const colors = {
        warn:    'var(--tb-warn)',
        error:   'var(--tb-error)',
        info:    'var(--tb-text-soft)',
        success: 'var(--tb-success)',
      };
      const color = colors[severity] || colors.info;
      return el('div', {
        style: {
          borderLeft: '3px solid ' + color,
          padding: 'var(--tb-sp-3) var(--tb-sp-4)',
          marginBottom: 'var(--tb-sp-3)',
          background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-2)',
        },
      },
        el('div', { style: { fontWeight: '600', color, marginBottom: 'var(--tb-sp-1)' } }, t(titleKey)),
        typeof body === 'string' ? el('p', { style: { margin: 0 } }, body) : body,
      );
    }

    const out = el('div');

    // 住民票 conversion window
    if (sofaProfile.juminhyou_target_date) {
      const today = new Date();
      const target = new Date(sofaProfile.juminhyou_target_date + 'T00:00:00');
      const days = Math.round((target - today) / (1000 * 60 * 60 * 24));
      out.appendChild(callout(days > 0 ? 'warn' : 'info', 'proj.tax.juminhyou.title',
        days > 0
          ? t('proj.tax.juminhyou.future', { date: sofaProfile.juminhyou_target_date, days })
          : t('proj.tax.juminhyou.past',   { date: sofaProfile.juminhyou_target_date })));
    } else {
      out.appendChild(callout('info', 'proj.tax.juminhyou.title', t('proj.tax.juminhyou.unset')));
    }

    // RMD reminder
    const rmdYear = (new Date()).getFullYear() + (73 - inputs.current_age);
    out.appendChild(callout(inputs.current_age >= 73 ? 'error' : 'info', 'proj.tax.rmd.title',
      inputs.current_age >= 73
        ? t('proj.tax.rmd.now')
        : t('proj.tax.rmd.future', { year: rmdYear, age: 73 })));

    // Rule of 55 — applicable only when retiring 55-59 (employer plans only).
    if (inputs.retire_age >= 55 && inputs.retire_age < 60) {
      out.appendChild(callout('success', 'proj.tax.rule55.title',
        t('proj.tax.rule55.applies', { age: inputs.retire_age })));
    } else if (inputs.retire_age < 55) {
      out.appendChild(callout('warn', 'proj.tax.rule55.title',
        t('proj.tax.rule55.tooEarly', { age: inputs.retire_age })));
    } else {
      out.appendChild(callout('info', 'proj.tax.rule55.title',
        t('proj.tax.rule55.notNeeded', { age: inputs.retire_age })));
    }

    // SECURE 2.0 catch-up tiers — quick reference card.
    out.appendChild(callout('info', 'proj.tax.secure20.title', t('proj.tax.secure20.body')));

    // ─── Phase 4 — NIIT / IRMAA awareness ────────────────────────
    if (result && result.rows.some((r) => r.niit > 0)) {
      const totalNiit = result.rows.reduce((s, r) => s + (r.niit || 0), 0);
      out.appendChild(callout('warn', 'proj.tax.niit.title',
        t('proj.tax.niit.applies', { total: TB.utils.formatUSD(totalNiit, { maximumFractionDigits: 0 }) })));
    } else {
      out.appendChild(callout('info', 'proj.tax.niit.title', t('proj.tax.niit.body')));
    }

    if (result && result.rows.some((r) => r.irmaa > 0)) {
      const firstIrmaa = result.rows.find((r) => r.irmaa > 0);
      const totalIrmaa = result.rows.reduce((s, r) => s + (r.irmaa || 0), 0);
      out.appendChild(callout('warn', 'proj.tax.irmaa.title',
        t('proj.tax.irmaa.applies', {
          year: firstIrmaa.year,
          age: firstIrmaa.age,
          total: TB.utils.formatUSD(totalIrmaa, { maximumFractionDigits: 0 }),
        })));
    } else {
      out.appendChild(callout('info', 'proj.tax.irmaa.title', t('proj.tax.irmaa.body')));
    }

    // State tax awareness — only if user set a non-zero state tax.
    if (inputs.state_tax_pct > 0) {
      out.appendChild(callout('info', 'proj.tax.state.title',
        t('proj.tax.state.body', { pct: inputs.state_tax_pct })));
    }

    // Section 603 — only flag if any projection year had it active.
    if (result && result.rows.some((r) => r.section_603_active)) {
      const firstActive = result.rows.find((r) => r.section_603_active);
      const hasRoth = (TB.assets && TB.assets.getActiveAccounts)
        ? TB.assets.getActiveAccounts().some((a) => a.tax_wrapper === 'roth_401k') : false;
      out.appendChild(callout(hasRoth ? 'warn' : 'error', 'proj.tax.section603.title',
        hasRoth
          ? t('proj.tax.section603.routed', { year: firstActive.year })
          : t('proj.tax.section603.noRoth', { year: firstActive.year })));
    }

    // Bracket fill suggestion
    const usMarg = taxAssump.us_marginal_pct || 22;
    out.appendChild(callout('success', 'proj.tax.bracket.title',
      t('proj.tax.bracket.body', { pct: usMarg })));

    // Roth conversion window
    if (sofaProfile.juminhyou_target_date) {
      const target = new Date(sofaProfile.juminhyou_target_date + 'T00:00:00');
      const today = new Date();
      const days = Math.round((target - today) / (1000 * 60 * 60 * 24));
      if (days > 0) {
        out.appendChild(callout('warn', 'proj.tax.rothwindow.title',
          t('proj.tax.rothwindow.body', { days, date: sofaProfile.juminhyou_target_date })));
      }
    }

    // ─── Japan-resident strategies — applies whether or not the
    // user is SOFA-status. Anyone who is (or will be) a Japanese tax
    // resident holding US accounts faces these. ──────────────────
    out.appendChild(el('div', {
      style: {
        marginTop: 'var(--tb-sp-5)',
        paddingTop: 'var(--tb-sp-3)',
        borderTop: '2px solid var(--tb-border)',
      },
    },
      el('h3', { style: { marginTop: 0, marginBottom: 'var(--tb-sp-1)' } },
        '🇯🇵 ' + t('proj.tax.jp.section.title')),
      el('p', { class: 'tb-field-help', style: { margin: 0 } },
        t('proj.tax.jp.section.help')),
    ));

    // PFIC trap (now in JP section — was orphaned before)
    out.appendChild(callout('error', 'proj.tax.pfic.title', t('proj.tax.pfic.body')));

    // NISA / iDeCo specific PFIC warning (more specific than the
    // generic one — these are the most-pushed JP vehicles)
    out.appendChild(callout('error', 'proj.tax.nisa.title', t('proj.tax.nisa.body')));

    // Furusato Nozei — the rare JP tax move that works cleanly for
    // US persons (it's a pre-tax JP donation, not an investment).
    out.appendChild(callout('success', 'proj.tax.furusato.title', t('proj.tax.furusato.body')));

    // Japan inheritance tax — 10-year residency clock is the key.
    // Applies to worldwide assets after 10y residency; rates 10-55%.
    out.appendChild(callout('warn', 'proj.tax.jpinheritance.title', t('proj.tax.jpinheritance.body')));

    // Inheritance tax mitigation sub-section. Each strategy is its
    // own callout so the user can scan, expand, and act on them
    // individually. Sourced from tax-ms.jp + Japan tax code references.
    out.appendChild(buildInheritanceMitigationSection());

    // Japan exit tax — 出国税 for ¥100M+ securities holders leaving.
    out.appendChild(callout('warn', 'proj.tax.jpexit.title', t('proj.tax.jpexit.body')));

    // US-Japan Tax Treaty Article 17 — pension treatment.
    out.appendChild(callout('info', 'proj.tax.treaty17.title', t('proj.tax.treaty17.body')));

    // Foreign Tax Credit cross-claims — most actionable for retirees
    // taking distributions while resident in Japan.
    out.appendChild(callout('info', 'proj.tax.ftc.title', t('proj.tax.ftc.body')));

    // NHI premium timing — premiums lag prior-year income by ~6 months.
    out.appendChild(callout('warn', 'proj.tax.nhi.title', t('proj.tax.nhi.body')));

    // iDeCo paradox — for US persons it's PFIC-trapped, but for non-
    // US-person spouses it's still a powerful deduction.
    out.appendChild(callout('info', 'proj.tax.ideco.title', t('proj.tax.ideco.body')));

    // Mortgage credit — if owning a Japan home as primary residence.
    out.appendChild(callout('info', 'proj.tax.jpmortgage.title', t('proj.tax.jpmortgage.body')));

    // ─── Back to projection-level: Roth Conversion Ladder editor ──
    out.appendChild(buildConversionEditor());

    // Total US tax + JP tax + early-withdrawal penalty over horizon.
    if (result && result.rows.length) {
      let usTotal = 0, jpTotal = 0, penTotal = 0;
      for (const r of result.rows) {
        usTotal += r.us_tax;
        jpTotal += r.jp_tax;
        penTotal += (r.penalty || 0);
      }
      const children = [
        el('p', { style: { margin: 0 } },
          t('proj.tax.lifetime.us') + ': ', fmtCurrencyPair(usTotal, { layout: 'inline' })),
        el('p', { style: { margin: 0 } },
          t('proj.tax.lifetime.jp') + ': ', fmtCurrencyPair(jpTotal, { layout: 'inline' })),
      ];
      if (penTotal > 0) {
        children.push(el('p', { style: { margin: 0, color: 'var(--tb-error)' } },
          t('proj.tax.lifetime.penalty') + ': ', fmtCurrencyPair(penTotal, { layout: 'inline' })));
      }
      children.push(el('p', { class: 'tb-field-help', style: { margin: 'var(--tb-sp-1) 0 0' } }, t('proj.tax.lifetime.note')));
      out.appendChild(callout('info', 'proj.tax.lifetime.title', el('div', null, ...children)));
    }

    // ─── Lifetime savings comparison: with-vs-without conversions ──
    // Runs a second projection with conversions zeroed out and shows
    // the lifetime tax delta. This makes the value of the Roth ladder
    // legible — without it, the conversion editor is just numbers.
    out.appendChild(buildSavingsComparisonCard());

    // ─── Cross-link to Decumulation module ──────────────────────────
    // Projections has shallow SS treatment (single claim age × benefit
    // amount). Decumulation has the full claim-age sensitivity + JP
    // pension paths + WEP/GPO repeal context. Surface that link
    // prominently here.
    out.appendChild(el('div', {
      style: {
        marginTop: 'var(--tb-sp-5)',
        padding: 'var(--tb-sp-3) var(--tb-sp-4)',
        background: 'var(--tb-bg)',
        borderLeft: '3px solid var(--tb-track-retire)',
        borderRadius: 'var(--tb-radius-2)',
      },
    },
      el('div', { style: { fontWeight: '600', color: 'var(--tb-track-retire)', marginBottom: '4px' } },
        '🌅 ' + t('proj.tax.decumulationLink.title')),
      el('p', { style: { margin: '0 0 var(--tb-sp-2)' } },
        t('proj.tax.decumulationLink.body')),
      el('a', {
        href: '#',
        style: { color: 'var(--tb-track-retire)', fontWeight: '600' },
        onclick: (e) => {
          e.preventDefault();
          document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'decumulation' } }));
        },
      }, '↗ ' + t('proj.tax.decumulationLink.open')),
    ));

    host.appendChild(out);
  }

  // Lifetime tax savings comparison — runs a "no conversions" baseline
  // projection alongside the current one and surfaces the delta. Shows
  // the user what they're getting (or paying) for the Roth ladder.
  function buildSavingsComparisonCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const result = cachedResult;
    const conversions = getConversions() || [];
    if (!result || conversions.length === 0) return el('div'); // nothing to compare

    // Compute a baseline result with conversions zeroed out.
    const inputs = getInputs();
    const accounts = (TB.assets && TB.assets.getActiveAccounts)
      ? TB.assets.getActiveAccounts() : [];
    const sofaProfile = TB.state.get('sofa.profile') || {};
    const taxAssump = TB.state.get('sofa.tax_assumptions') || {};

    // Temporarily override conversions to []. computeProjection reads
    // from state, so we save + restore.
    const savedConversions = TB.state.get('projections.conversions');
    TB.state.set('projections.conversions', []);
    let baseline;
    try {
      baseline = computeProjection(inputs, accounts, sofaProfile, taxAssump);
    } finally {
      TB.state.set('projections.conversions', savedConversions);
    }
    if (!baseline || !baseline.rows.length) return el('div');

    let curUs = 0, curJp = 0, baseUs = 0, baseJp = 0;
    for (const r of result.rows)  { curUs += r.us_tax; curJp += r.jp_tax; }
    for (const r of baseline.rows) { baseUs += r.us_tax; baseJp += r.jp_tax; }
    const totalDelta = (baseUs + baseJp) - (curUs + curJp);  // positive = savings
    const portfolioCur = (result.summary && result.summary.portfolio_at_90) || 0;
    const portfolioBase = (baseline.summary && baseline.summary.portfolio_at_90) || 0;
    const portfolioDelta = portfolioCur - portfolioBase;

    const card = el('div', {
      style: {
        marginTop: 'var(--tb-sp-3)',
        padding: 'var(--tb-sp-3) var(--tb-sp-4)',
        background: 'var(--tb-bg)',
        borderLeft: '3px solid ' + (totalDelta >= 0 ? 'var(--tb-success)' : 'var(--tb-error)'),
        borderRadius: 'var(--tb-radius-2)',
      },
    });
    card.appendChild(el('div', { style: { fontWeight: '600', color: totalDelta >= 0 ? 'var(--tb-success)' : 'var(--tb-error)', marginBottom: 'var(--tb-sp-1)' } },
      (totalDelta >= 0 ? '✓ ' : '⚠ ') + t('proj.tax.savings.title')));
    card.appendChild(el('p', { class: 'tb-field-help', style: { margin: '0 0 var(--tb-sp-2)' } },
      t('proj.tax.savings.intro')));

    const grid = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(180px, 1fr))', gap: 'var(--tb-sp-2)' },
    });
    function statBlock(label, baselineVal, currentVal, deltaIsBetter) {
      const delta = currentVal - baselineVal;
      const better = deltaIsBetter === 'lower' ? delta < 0 : delta > 0;
      const color = delta === 0 ? 'var(--tb-text-soft)'
                  : better ? 'var(--tb-success)' : 'var(--tb-error)';
      const sign = delta >= 0 ? '+' : '';
      return el('div', {
        style: { padding: 'var(--tb-sp-2)', background: 'var(--tb-bg-elev)', borderRadius: 'var(--tb-radius-1)' },
      },
        el('div', { style: { fontSize: '10px', color: 'var(--tb-text-soft)', textTransform: 'uppercase', letterSpacing: '0.04em', fontWeight: '600' } }, label),
        el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', fontSize: 'var(--tb-fs-12)', fontFamily: 'var(--tb-font-mono)' } },
          el('span', { style: { color: 'var(--tb-text-soft)' } }, '$' + Math.round(baselineVal).toLocaleString()),
          el('span', null, '→'),
          el('span', null, '$' + Math.round(currentVal).toLocaleString()),
        ),
        el('div', { style: { color, fontWeight: '700', fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-14)', marginTop: '2px' } },
          sign + '$' + Math.round(delta).toLocaleString()),
      );
    }
    grid.appendChild(statBlock(t('proj.tax.savings.usTotal'), baseUs, curUs, 'lower'));
    if (curJp > 0 || baseJp > 0) {
      grid.appendChild(statBlock(t('proj.tax.savings.jpTotal'), baseJp, curJp, 'lower'));
    }
    grid.appendChild(statBlock(t('proj.tax.savings.portfolioAt90'), portfolioBase, portfolioCur, 'higher'));
    card.appendChild(grid);

    const headline = el('div', {
      style: { marginTop: 'var(--tb-sp-2)', fontFamily: 'var(--tb-font-mono)',
        fontSize: 'var(--tb-fs-16)', fontWeight: '700',
        color: totalDelta >= 0 ? 'var(--tb-success)' : 'var(--tb-error)' },
    },
      (totalDelta >= 0 ? t('proj.tax.savings.saves') : t('proj.tax.savings.costs')) + ': ' +
      (totalDelta >= 0 ? '+' : '-') + '$' + Math.round(Math.abs(totalDelta)).toLocaleString() +
      ' ' + t('proj.tax.savings.lifetimeTax'));
    card.appendChild(headline);

    return card;
  }

  // ====================================================================
  // SVG helpers + formatting
  // ====================================================================

  function svgEl(name, attrs, children) {
    const node = document.createElementNS('http://www.w3.org/2000/svg', name);
    if (attrs) for (const k of Object.keys(attrs)) {
      if (attrs[k] != null) node.setAttribute(k, attrs[k]);
    }
    // Text-content children: if a string is the first child, set as textContent.
    if (typeof children === 'string') {
      node.textContent = children;
    } else if (Array.isArray(children)) {
      for (const c of children) if (c) node.appendChild(c);
    }
    return node;
  }

  function niceCeil(v) {
    if (v <= 0) return 1;
    const exp = Math.pow(10, Math.floor(Math.log10(v)));
    const f = v / exp;
    let nice;
    if (f <= 1) nice = 1;
    else if (f <= 2) nice = 2;
    else if (f <= 5) nice = 5;
    else nice = 10;
    return nice * exp;
  }

  function fmtAxisM(v) {
    if (v >= 1e6) return '$' + (v / 1e6).toFixed(v >= 1e7 ? 0 : 1) + 'M';
    if (v >= 1e3) return '$' + (v / 1e3).toFixed(0) + 'K';
    return '$' + v.toFixed(0);
  }
  function fmtAxisK(v) {
    if (v >= 1e3) return '$' + (v / 1e3).toFixed(1) + 'K';
    return '$' + v.toFixed(0);
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id,
    label_en: 'Projections',
    label_jp: '将来予測',
    render,
  };

  // Public API for other modules / tests
  window.TB.projections = {
    computeProjection,
    irs401kLimit,
    irs401kLimitDetail,
    section603HighEarner,
    computePenalty,
    ssBenefitMultiplier,
    blendGrowthRate,
    applyDrawdown,
    computeUsTax,
    computeJpTax,
    toggleCurrency,
    // v0.36 Roth ladder optimizer
    optimizeRothLadder,
    bracketsForYear,
    stdDeductionForYear,
    bracketTopAtRate,
  };
})();

</script>
  <script data-source="scripts/modules/sofa-roth.js">
/* Taigan Bridge — modules/sofa-roth.js
 *
 * SOFA Roth Sequencing Planner (v0.3.x — Phase 1)
 *
 * The window between active SOFA status and 住民票 (juminhyou)
 * registration in Japan is where U.S. expats can do certain
 * tax-efficient moves — Roth conversions, capital-gains realization,
 * RSU/option exercises, US asset cleanups — at U.S.-only tax cost.
 * After 住民票, those same moves are subject to Japanese national +
 * residence tax, often at marginal rates that double or triple the
 * effective tax cost.
 *
 * The tool's job: surface the WINDOW, generate the action SEQUENCE
 * in the right order, and put a triple-confirmation gate in front
 * of the highest-stakes actions so the user pauses to confirm
 * they've talked to a CPA before pulling the trigger.
 *
 * Phase 1 (this release) is the foundation: state schema, profile +
 * accounts inputs, dynamically-derived sequence, severity badges,
 * and risk explanations. Cost-of-mistake calculator math comes in
 * Phase 2 — we currently surface the conceptual cost but don't yet
 * compute exact dollar figures (intentional — getting the math wrong
 * here is worse than not showing it).
 *
 * Privacy posture:
 *   - Account balances are stored locally; nothing is transmitted.
 *   - The optional AI Advisor (later phase) sends only aggregated
 *     summaries (status counts, no PII).
 */

(function () {
  'use strict';

  const id = 'sofa-roth';
  const REQUIRED_DISCLAIMER_VERSION = 'v0.3.0';

  // ====================================================================
  // Domain enums
  // ====================================================================

  const SOFA_ROLES = [
    { value: 'military',        label_en: 'U.S. military (active duty)',          label_jp: '米軍(現役)' },
    { value: 'dod_civilian',    label_en: 'DoD civilian (GS / NAF)',              label_jp: '国防総省文民職員(GS / NAF)' },
    { value: 'dod_contractor',  label_en: 'DoD contractor under SOFA',            label_jp: 'SOFA 適用の国防総省契約者' },
    { value: 'family_member',   label_en: 'Dependent / family member',            label_jp: '扶養家族・帯同家族' },
  ];

  const SOFA_STATUSES = [
    { value: 'active',         label_en: 'Currently active SOFA status',                                   label_jp: 'SOFA 適用中' },
    { value: 'transitioning',  label_en: 'Transitioning out (separation / retirement / contract end)',    label_jp: '離任手続中(退役・退職・契約終了)' },
    { value: 'post_sofa',      label_en: 'Already post-SOFA (employment ended)',                          label_jp: 'SOFA 適用終了済み' },
  ];

  const JP_RESIDENCY_PLANS = [
    { value: 'stay',       label_en: 'Stay in Japan long-term (will register 住民票)', label_jp: '日本に長期滞在(住民票登録予定)' },
    { value: 'leave',      label_en: 'Leaving Japan (returning to US or elsewhere)',   label_jp: '日本を離れる(帰米・他国移住)' },
    { value: 'undecided',  label_en: 'Not yet decided',                                label_jp: '未決定' },
  ];

  const FILING_STATUSES = [
    { value: 'single', label_en: 'Single',                              label_jp: '単身者(Single)' },
    { value: 'mfj',    label_en: 'Married filing jointly',              label_jp: '夫婦合算申告(MFJ)' },
    { value: 'mfs',    label_en: 'Married filing separately',           label_jp: '夫婦個別申告(MFS)' },
    { value: 'hoh',    label_en: 'Head of household',                   label_jp: '世帯主(HoH)' },
  ];

  // ====================================================================
  // State accessors
  // ====================================================================

  function getProfile()      { return TB.state.get('sofa.profile') || {}; }
  // Account balances live in assets.accounts as of v4 — SOFA derives
  // its rollup via TB.assets.aggregateForSofa(). No setter exists for
  // this object; users edit individual accounts in the Assets module.
  function getAccounts() {
    return (TB.assets && TB.assets.aggregateForSofa)
      ? TB.assets.aggregateForSofa()
      : {};
  }
  function getTaxAssump()    { return TB.state.get('sofa.tax_assumptions') || {}; }
  function getSteps()        { return TB.state.get('sofa.steps') || []; }
  function getAcks()         { return TB.state.get('sofa.acks') || {}; }

  function setProfileField(field, value)  {
    const p = getProfile();
    p[field] = value;
    TB.state.set('sofa.profile', p);
  }
  function setTaxField(field, value)      {
    const a = getTaxAssump();
    a[field] = value;
    TB.state.set('sofa.tax_assumptions', a);
  }
  function setSteps(arr)                  { TB.state.set('sofa.steps', arr); }
  function setAck(field, value)           {
    const a = getAcks();
    a[field] = value;
    TB.state.set('sofa.acks', a);
  }

  function hasAcknowledgedDisclaimer() {
    return getAcks().disclaimer_version === REQUIRED_DISCLAIMER_VERSION;
  }
  function acknowledgeDisclaimer() {
    setAck('disclaimer_version', REQUIRED_DISCLAIMER_VERSION);
  }

  // ====================================================================
  // Module-local UI state
  // ====================================================================

  let host = null;
  let activeTab = 'overview';

  // ====================================================================
  // Sequence engine — derives the action checklist from profile +
  // accounts + tax assumptions. Each step has:
  //   id        — stable per (type, account_from, account_to)
  //   type      — 'roth_conversion' | 'realize_ltcg' | 'rsu_vest' |
  //               'exercise_options' | 'deferred_comp' | 're_sale' |
  //               'setup_brokerage' | 'setup_jp_banking' |
  //               'gift_transfer' | 'pfic_avoid' | 'tsp_rollover'
  //   title_*   — bilingual short title
  //   summary_* — bilingual one-paragraph rationale
  //   severity  — 'critical' | 'high' | 'medium' | 'info'
  //   deadline_iso — derived: juminhyou_target_date - 30 days for most;
  //                  separation_date for SOFA-status-only items
  //   status    — 'pending' | 'planned' | 'executed' | 'dismissed'
  //               (pulled from persisted state if user has set it)
  // ====================================================================

  function deriveSequence() {
    const profile = getProfile();
    const accounts = getAccounts();
    const persisted = getSteps();

    // Index persisted steps by id for status carryover.
    const persistedById = {};
    for (const s of persisted) {
      if (s && s.id) persistedById[s.id] = s;
    }

    const out = [];
    const stay = profile.jp_residency_plan === 'stay';
    const sep = profile.separation_date || null;
    const jum = profile.juminhyou_target_date || null;

    // The deadline anchor for "do this BEFORE 住民票" items is whichever
    // is earliest of (juminhyou target) or (separation + 14 days, the
    // typical legal deadline for Japan-resident registration after losing
    // SOFA status). If neither is set, leave deadline null and surface
    // a warning to the user that timing can't be computed yet.
    function preJuminhyouDeadline() {
      if (jum) return jum;
      if (sep) return addDays(sep, -1);
      return null;
    }

    function emit(step) {
      const previous = persistedById[step.id];
      out.push(Object.assign({}, step, {
        status: previous && previous.status ? previous.status : 'pending',
        executed_date: previous ? (previous.executed_date || null) : null,
        executed_amount: previous ? (previous.executed_amount || null) : null,
        notes: previous ? (previous.notes || '') : '',
      }));
    }

    // ---- Roth conversion window (the headline action) ---------------
    const tradBalance = (accounts.traditional_ira_usd || 0)
      + (accounts.traditional_401k_tsp_usd || 0);
    if (stay && tradBalance > 0) {
      emit({
        id: 'roth_conversion_window',
        type: 'roth_conversion',
        title_en: 'Complete Roth conversions BEFORE registering 住民票',
        title_jp: '住民票登録前に Roth コンバージョンを完了させる',
        summary_en:
          'While SOFA-status (or pre-住民票), traditional IRA / 401(k) / TSP conversions to Roth are taxed at U.S. ordinary income rates only. ' +
          'After 住民票 registration Japan does not recognize the Roth tax wrapper — every conversion becomes Japan-taxable as ordinary income at your Japan marginal rate (often 20-45% national + 10% local). ' +
          'Convert the amount you can absorb at favorable U.S. brackets in calendar years that close BEFORE your 住民票 target date.',
        summary_jp:
          'SOFA 適用中(または住民票登録前)は、Traditional IRA / 401(k) / TSP から Roth への変換は米国の通常所得税のみで課税されます。' +
          '住民票登録後は、日本側は Roth の税制優遇を認めず、変換額の全額を日本の通常所得として課税します(国税 20-45% + 住民税 10%)。' +
          '住民票登録予定日より前に締まる暦年で、米国側で許容できる金額を変換しておきましょう。',
        severity: 'critical',
        deadline_iso: preJuminhyouDeadline(),
        amount_usd: tradBalance,
      });
    }

    // ---- Capital gains realization on appreciated taxable accounts --
    const taxableValue = accounts.taxable_brokerage_value_usd || 0;
    const taxableBasis = accounts.taxable_brokerage_basis_usd || 0;
    const unrealizedGain = Math.max(0, taxableValue - taxableBasis);
    if (stay && unrealizedGain > 0) {
      emit({
        id: 'realize_ltcg_window',
        type: 'realize_ltcg',
        title_en: 'Consider realizing long-term capital gains BEFORE 住民票',
        title_jp: '住民票登録前に米国 LTCG の実現益確定を検討する',
        summary_en:
          'Pre-住民票 sales of appreciated U.S. taxable-brokerage holdings are subject only to U.S. long-term capital-gains rates (0/15/20%). ' +
          'Post-住民票 the same sale is also Japan-taxable at the standard 20.315% securities rate, often without a basis step-up. ' +
          'For low-basis legacy positions, the cost difference can be material. Discuss with a CPA — partial harvest + immediate repurchase is a common pattern.',
        summary_jp:
          '住民票登録前に米国課税口座の含み益のある株式を売却する場合、米国の長期キャピタルゲイン税(0/15/20%)のみが課されます。' +
          '住民票登録後は、同じ売却が日本側でも 20.315%(申告分離課税)の対象となり、しかも取得価額の引き上げ(step-up)は通常認められません。' +
          '簿価の低い保有銘柄ほど差額は大きくなります。CPA と相談の上、部分利確+即時再取得などを検討してください。',
        severity: 'high',
        deadline_iso: preJuminhyouDeadline(),
        amount_usd: unrealizedGain,
      });
    }

    // ---- RSU / option vesting & exercise sourcing -------------------
    const rsuValue = accounts.rsu_unvested_value_usd || 0;
    const optValue = accounts.nso_iso_unrealized_value_usd || 0;
    if (stay && (rsuValue > 0 || optValue > 0)) {
      emit({
        id: 'rsu_option_sourcing',
        type: 'rsu_vest',
        title_en: 'Plan RSU vests / option exercises around 住民票 date',
        title_jp: 'RSU 権利確定・SO 行使のタイミングを住民票登録日と整合させる',
        summary_en:
          'RSU and option income is sourced by where the work was performed across the vesting period — partly U.S., partly Japan once you become a Japan resident. ' +
          'The Japan-source portion is Japan-taxable. For grants that vest soon after 住民票, the Japan-source slice (and tax) can be larger than expected. ' +
          'Coordinate with employer payroll on the W-2 / 給与所得 split BEFORE 住民票.',
        summary_jp:
          'RSU・SO の所得は、権利確定期間の労働実施地で按分されます。住民票登録後は日本側勤務分が日本所得となり、その部分が日本で課税されます。' +
          '住民票登録直後に確定する付与は、想定以上の日本所得割合になることがあります。住民票登録前に、勤務先給与部門と W-2 / 給与所得の按分について調整してください。',
        severity: 'high',
        deadline_iso: preJuminhyouDeadline(),
        amount_usd: rsuValue + optValue,
      });
    }

    // ---- Deferred compensation lump --------------------------------
    const defComp = accounts.deferred_comp_usd || 0;
    if (stay && defComp > 0) {
      emit({
        id: 'deferred_comp_election',
        type: 'deferred_comp',
        title_en: 'Review deferred-comp distribution election before 住民票',
        title_jp: '住民票登録前に繰延報酬の受取方法を見直す',
        summary_en:
          'Lump-sum vs. installment distributions of deferred compensation are taxed very differently in Japan. ' +
          'Japan generally lacks the U.S. tax-deferral concept and may attribute the full balance to a single year if collapsed post-residency. ' +
          'Confirm the election with the plan administrator before 住民票 registration.',
        summary_jp:
          '繰延報酬の一時金受取と分割受取では、日本側の課税扱いが大きく異なります。' +
          '日本には米国型の繰延税制がなく、住民票登録後に一括受取とすると当該年度に全額が課税される可能性があります。' +
          '住民票登録前に、プラン管理者と受取方法を確定してください。',
        severity: 'high',
        deadline_iso: preJuminhyouDeadline(),
        amount_usd: defComp,
      });
    }

    // ---- US real estate sale ---------------------------------------
    const reValue = accounts.us_real_estate_value_usd || 0;
    const reBasis = accounts.us_real_estate_basis_usd || 0;
    const reGain = Math.max(0, reValue - reBasis);
    if (stay && reValue > 0) {
      emit({
        id: 're_sale_timing',
        type: 're_sale',
        title_en: 'Decide U.S. real-estate sale timing relative to 住民票',
        title_jp: '住民票登録時点と米国不動産の売却タイミングを整理する',
        summary_en:
          'Selling a U.S. principal residence pre-住民票 may qualify for the §121 exclusion ($250k single / $500k MFJ) at U.S.-only tax cost. ' +
          'Post-住民票, Japan also taxes the gain (with its own JPY-basis recomputation that frequently differs from the U.S. basis), and the §121 exclusion is not recognized. ' +
          'For high-appreciation properties, the Japan-side cost can dwarf the U.S.-side cost. Decide BEFORE listing.',
        summary_jp:
          '米国の主たる住居を住民票登録前に売却すれば、米国側で §121 除外(単身 25万ドル/MFJ 50万ドル)が適用され米国課税のみで完結する場合があります。' +
          '住民票登録後は日本側も売却益を課税対象とし(取得原価は円ベースで再計算され米国ベースと異なることが多い)、§121 除外は認められません。' +
          '値上がりの大きい物件ほど日本側課税が米国側を大きく上回ることがあります。売却の意思決定は売出し前に行ってください。',
        severity: reGain > 200000 ? 'critical' : 'high',
        deadline_iso: preJuminhyouDeadline(),
        amount_usd: reGain || reValue,
      });
    }

    // ---- Set up non-resident-friendly U.S. brokerage ---------------
    if (stay && (taxableValue > 0 || tradBalance > 0)) {
      emit({
        id: 'setup_intl_brokerage',
        type: 'setup_brokerage',
        title_en: 'Move U.S. brokerage to a Japan-resident-friendly platform',
        title_jp: '在日駐在に対応する米国ブローカーへ口座を移管する',
        summary_en:
          'After 住民票 registration, many U.S. brokerages (Vanguard, Fidelity\'s domestic platform) close or restrict accounts for Japan residents. ' +
          'Schwab International (Schwab One International) and Interactive Brokers explicitly support Japan-resident clients. ' +
          'Initiate the transfer BEFORE 住民票 — it takes weeks and a frozen account during transit is painful.',
        summary_jp:
          '住民票登録後、Vanguard や Fidelity 国内口座など多くの米国ブローカーは在日居住者の口座を閉鎖・制限します。' +
          'Schwab International(Schwab One International)や Interactive Brokers は在日居住者の受け入れを明記しています。' +
          '移管手続きは数週間を要し、その間口座が凍結されることもあります。住民票登録前に開始してください。',
        severity: 'high',
        deadline_iso: preJuminhyouDeadline(),
      });
    }

    // ---- TSP rollover decision (military / civilian only) ----------
    const tspBalance = accounts.traditional_401k_tsp_usd || 0;
    const isFedOrMilitary = profile.role === 'military' || profile.role === 'dod_civilian';
    if (isFedOrMilitary && tspBalance > 0) {
      emit({
        id: 'tsp_rollover',
        type: 'tsp_rollover',
        title_en: 'TSP rollover decision (Traditional → Roth IRA pathway)',
        title_jp: 'TSP の処理を決める(Traditional → Roth IRA への経路を含む)',
        summary_en:
          'Post-separation, TSP can be left in place, rolled to an IRA, or sequentially converted Traditional → Roth. ' +
          'Rolling to an IRA opens up Roth-conversion flexibility (TSP itself does not allow partial in-plan Roth conversions). ' +
          'Do the rollover and any conversions BEFORE 住民票 to keep them U.S.-only.',
        summary_jp:
          '退役・離職後の TSP は据え置き・IRA への移管・Traditional から Roth への段階的変換が選択肢になります。' +
          'TSP 自体は部分的な内部 Roth 変換を許容していないため、IRA に移すと Roth 変換の自由度が高まります。' +
          '移管も変換も住民票登録前に行うことで、米国課税のみで完結します。',
        severity: 'high',
        deadline_iso: preJuminhyouDeadline(),
        amount_usd: tspBalance,
      });
    }

    // ---- Establish Japan banking under SOFA before losing access ---
    if (stay && profile.sofa_status === 'active') {
      emit({
        id: 'setup_jp_banking',
        type: 'setup_jp_banking',
        title_en: 'Set up Japan banking while still SOFA-status',
        title_jp: 'SOFA 適用期間中に日本の銀行口座を整備する',
        summary_en:
          'Some Japanese banks (Shinsei, Sony Bank, SMBC Trust PRESTIA) accept SOFA-status applicants more readily than they accept post-SOFA gaijin without 住民票. ' +
          'A Japan Post account opened during SOFA is a portable foundation that survives the transition. ' +
          'Open accounts now; do not wait until you actually need them.',
        summary_jp:
          '新生銀行・Sony Bank・SMBC 信託銀行 PRESTIA など、SOFA 適用中の方が住民票なしの一般外国人より口座開設のハードルが低いことがあります。' +
          'SOFA 適用中に開設したゆうちょ口座は、SOFA 終了後も継続利用しやすい基盤になります。' +
          '実際に必要になる前に開設しておきましょう。',
        severity: 'medium',
        deadline_iso: sep,
      });
    }

    // ---- PFIC trap warning -----------------------------------------
    if (stay) {
      emit({
        id: 'pfic_trap',
        type: 'pfic_avoid',
        title_en: 'Do NOT buy Japanese mutual funds / ETFs / 投資信託 after 住民票',
        title_jp: '住民票登録後に日本の投資信託・ETF を購入しない',
        summary_en:
          'Most Japan-domiciled mutual funds and ETFs are PFICs (Passive Foreign Investment Companies) under U.S. tax law. ' +
          'PFIC status triggers punitive U.S. taxation (Form 8621, ordinary-income treatment of gains, interest charges) that can exceed 50% of returns. ' +
          'Limit 投資信託 purchases to U.S. brokerage accounts; if NISA / iDeCo are tempting, get CPA review first — the U.S. PFIC consequences usually outweigh the Japan tax-shelter benefit.',
        summary_jp:
          '日本籍の投資信託・ETF の大半は、米国税法上 PFIC(受動的外国投資会社)に該当します。' +
          'PFIC 該当により、米国側で重い課税(Form 8621、利益の通常所得課税、利息課税)が発生し、リターンの 50% 超が税負担となることもあります。' +
          '投資信託は米国ブローカー口座での購入に限定し、NISA / iDeCo を検討する場合は事前に CPA に相談してください。米国側の PFIC コストが日本側の節税メリットを上回る場合がほとんどです。',
        severity: 'high',
        deadline_iso: jum,
      });
    }

    // ---- Inheritance / gift timing -----------------------------------
    if (stay) {
      emit({
        id: 'inheritance_gift_window',
        type: 'gift_transfer',
        title_en: 'Major U.S. gift / inheritance transfers — finish BEFORE 住民票',
        title_jp: '米国側の大型贈与・相続移転は住民票登録前に完結させる',
        summary_en:
          'Japan inheritance and gift tax has a 10-year lookback for long-term residents and can apply to non-Japan-located assets. ' +
          'A pre-住民票 gift to a U.S.-resident heir avoids Japan gift tax on that transfer. ' +
          'For inheritances expected to flow your way, family timing decisions interact with your residency clock — flag this with both your CPA and a Japan-side estate professional.',
        summary_jp:
          '日本の相続税・贈与税は、長期居住者には 10 年遡及があり、日本所在外の資産にも課税されることがあります。' +
          '住民票登録前に米国居住の相続人へ贈与した場合、当該贈与は日本の贈与税対象外です。' +
          'これから受ける相続については、家族側のタイミング判断と本人の居住時計の関係を、CPA と日本側の相続専門家に並行して相談してください。',
        severity: 'medium',
        deadline_iso: preJuminhyouDeadline(),
      });
    }

    // ---- Persist newly-derived steps so the user's status flips
    //      (planned, executed, dismissed) survive the next render.
    setSteps(out);
    return out;
  }

  // ---- Date helpers ---------------------------------------------------

  function addDays(iso, n) {
    const d = new Date(iso + 'T00:00:00Z');
    if (isNaN(d.getTime())) return iso;
    d.setUTCDate(d.getUTCDate() + n);
    return d.toISOString().slice(0, 10);
  }

  function daysUntil(iso) {
    if (!iso) return null;
    const d = new Date(iso + 'T00:00:00Z');
    if (isNaN(d.getTime())) return null;
    const today = new Date();
    today.setUTCHours(0, 0, 0, 0);
    return Math.round((d.getTime() - today.getTime()) / (1000 * 60 * 60 * 24));
  }

  function fmtDate(iso) {
    if (!iso) return '—';
    return iso;
  }

  function fmtDeadlineLabel(iso) {
    if (!iso) return TB.i18n.t('sofa.deadline.unknown');
    const days = daysUntil(iso);
    if (days == null) return iso;
    if (days < 0) return TB.i18n.t('sofa.deadline.past', { date: iso, days: Math.abs(days) });
    if (days === 0) return TB.i18n.t('sofa.deadline.today', { date: iso });
    if (days <= 90) return TB.i18n.t('sofa.deadline.soon', { date: iso, days });
    return TB.i18n.t('sofa.deadline.future', { date: iso, days });
  }

  // ====================================================================
  // Disclaimer modal — versioned ack with the cost-of-mistake warning
  // and triple-check (educational ack + CPA acknowledgment).
  // ====================================================================

  function buildDisclaimerCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    const acks = getAcks();
    let educationalChecked = false;
    let cpaChecked = !!acks.consulted_cpa;

    const card = el('div', { class: 'tb-card', 'data-track': 'sofa' });
    card.appendChild(el('div', { class: 'tb-card-meta' },
      el('span', { class: 'tb-badge tb-badge--track', 'data-track': 'sofa' }, 'SOFA'),
    ));
    card.appendChild(el('h1', null, t('sofa.title')));
    card.appendChild(el('p', null, t('sofa.subtitle')));

    card.appendChild(el('div', {
      class: 'tb-disclaimer-inline',
      style: { borderLeftColor: 'var(--tb-warn)', marginBottom: 'var(--tb-sp-3)' },
    },
      el('strong', null, t('sofa.disclaimer.cost.headline')),
      el('p', { style: { margin: '6px 0 0' } }, t('sofa.disclaimer.cost.body')),
    ));

    card.appendChild(el('h3', null, t('sofa.disclaimer.title')));
    card.appendChild(el('div', { class: 'tb-disclaimer-inline' }, t('sofa.disclaimer.body')));

    // Triple-check acknowledgments. The disclaimer ack itself + the
    // CPA-consulted ack. The CPA ack is also tracked separately so
    // high-stakes actions later can require it again.
    const eduAck = el('label', {
      style: { display: 'flex', alignItems: 'flex-start', gap: 'var(--tb-sp-2)', margin: 'var(--tb-sp-3) 0', cursor: 'pointer' },
    },
      el('input', {
        type: 'checkbox',
        onchange: (e) => {
          educationalChecked = e.target.checked;
          updateContinueBtn();
        },
      }),
      el('span', null, t('sofa.disclaimer.ack.educational')),
    );
    card.appendChild(eduAck);

    const cpaAck = el('label', {
      style: { display: 'flex', alignItems: 'flex-start', gap: 'var(--tb-sp-2)', margin: 'var(--tb-sp-3) 0', cursor: 'pointer' },
    },
      el('input', {
        type: 'checkbox',
        checked: cpaChecked,
        onchange: (e) => {
          cpaChecked = e.target.checked;
          setAck('consulted_cpa', cpaChecked);
          if (cpaChecked) setAck('consulted_cpa_at', new Date().toISOString());
          updateContinueBtn();
        },
      }),
      el('span', null, t('sofa.disclaimer.ack.cpa')),
    );
    card.appendChild(cpaAck);

    const continueBtn = el('button', {
      class: 'tb-btn',
      disabled: true,
      onclick: () => {
        if (!educationalChecked) return;
        acknowledgeDisclaimer();
        render(host);
      },
    }, t('sofa.disclaimer.continue'));
    function updateContinueBtn() {
      // Educational ack is required to proceed. CPA ack is recorded
      // but not blocking — the user may not have consulted yet.
      continueBtn.disabled = !educationalChecked;
    }

    card.appendChild(el('div', { class: 'tb-btn-row' }, continueBtn));
    return card;
  }

  // ====================================================================
  // Top-level render
  // ====================================================================

  function render(container) {
    host = container;
    container.innerHTML = '';

    if (!hasAcknowledgedDisclaimer()) {
      container.appendChild(buildDisclaimerCard());
      return;
    }

    container.appendChild(buildShellCard());
    const tabHost = TB.utils.el('div', { id: 'tb-sofa-tab-host' });
    container.appendChild(tabHost);
    renderActiveTab();
  }

  function renderActiveTab() {
    const tabHost = host && host.querySelector('#tb-sofa-tab-host');
    if (!tabHost) return;
    tabHost.innerHTML = '';
    switch (activeTab) {
      case 'profile':  renderProfile(tabHost);  break;
      case 'accounts': renderAccounts(tabHost); break;
      case 'sequence': renderSequence(tabHost); break;
      case 'risks':    renderRisks(tabHost);    break;
      default:         renderOverview(tabHost);
    }
  }

  function buildShellCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    const tabs = [
      { id: 'overview', label: t('sofa.tab.overview') },
      { id: 'profile',  label: t('sofa.tab.profile') },
      { id: 'accounts', label: t('sofa.tab.accounts') },
      { id: 'sequence', label: t('sofa.tab.sequence') },
      { id: 'risks',    label: t('sofa.tab.risks') },
    ];

    const tabBar = el('div', {
      style: { display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-3)' },
    },
      ...tabs.map(tab => el('button', {
        class: 'tb-btn ' + (activeTab === tab.id ? '' : 'tb-btn--secondary'),
        onclick: () => { activeTab = tab.id; renderActiveTab(); render(host); },
      }, tab.label)),
    );

    const card = el('div', { class: 'tb-card', 'data-track': 'sofa' },
      el('div', { class: 'tb-card-meta' },
        el('span', { class: 'tb-badge tb-badge--track', 'data-track': 'sofa' }, 'SOFA'),
      ),
      el('h1', null, t('sofa.title')),
      el('p', { class: 'tb-card-meta' }, t('sofa.subtitle')),
      tabBar,
    );
    return card;
  }

  // ====================================================================
  // OVERVIEW
  // ====================================================================

  function renderOverview(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const profile = getProfile();
    const lang = TB.i18n.getLang();

    // Profile completeness gate.
    if (!profile.role || !profile.jp_residency_plan) {
      tabHost.appendChild(el('div', { class: 'tb-card', 'data-track': 'sofa' },
        el('h2', null, t('sofa.overview.empty.title')),
        el('p', null, t('sofa.overview.empty.body')),
        el('div', { class: 'tb-btn-row' },
          el('button', {
            class: 'tb-btn',
            onclick: () => { activeTab = 'profile'; render(host); },
          }, t('sofa.overview.empty.cta')),
        ),
      ));
      return;
    }

    // Window summary card.
    const windowCard = el('div', { class: 'tb-card', 'data-track': 'sofa' });
    windowCard.appendChild(el('h2', null, t('sofa.overview.window.title')));

    const stay = profile.jp_residency_plan === 'stay';
    if (!stay) {
      windowCard.appendChild(el('p', null, t('sofa.overview.window.notStaying')));
    } else {
      const sep = profile.separation_date;
      const jum = profile.juminhyou_target_date;
      const grid = el('div', {
        style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(220px, 1fr))', gap: 'var(--tb-sp-3)', marginTop: 'var(--tb-sp-3)' },
      });
      grid.appendChild(buildWindowPill(t('sofa.overview.window.separation'), sep));
      grid.appendChild(buildWindowPill(t('sofa.overview.window.juminhyou'), jum));
      const daysToJum = daysUntil(jum);
      if (daysToJum != null) {
        grid.appendChild(buildWindowPill(t('sofa.overview.window.daysLeft'),
          daysToJum >= 0 ? String(daysToJum) : '—'));
      }
      windowCard.appendChild(grid);
    }
    tabHost.appendChild(windowCard);

    // Top recommended actions (top 3 by severity).
    const steps = deriveSequence().filter(s => s.status !== 'dismissed' && s.status !== 'executed');
    const severityOrder = { critical: 0, high: 1, medium: 2, info: 3 };
    steps.sort((a, b) => (severityOrder[a.severity] || 99) - (severityOrder[b.severity] || 99));
    const top = steps.slice(0, 3);

    if (top.length > 0) {
      const stepsCard = el('div', { class: 'tb-card', 'data-track': 'sofa' });
      stepsCard.appendChild(el('h2', null, t('sofa.overview.actions.title')));
      stepsCard.appendChild(el('p', { class: 'tb-card-meta' }, t('sofa.overview.actions.intro')));
      for (const s of top) stepsCard.appendChild(buildStepRow(s, lang, true));
      stepsCard.appendChild(el('div', { class: 'tb-btn-row' },
        el('button', {
          class: 'tb-btn tb-btn--secondary',
          onclick: () => { activeTab = 'sequence'; render(host); },
        }, t('sofa.overview.actions.viewAll', { count: steps.length })),
      ));
      tabHost.appendChild(stepsCard);
    }

    // Quick links card.
    tabHost.appendChild(el('div', { class: 'tb-card', 'data-track': 'sofa' },
      el('h2', null, t('sofa.overview.quicklinks')),
      el('div', { class: 'tb-btn-row' },
        el('button', { class: 'tb-btn tb-btn--secondary', onclick: () => { activeTab = 'profile'; render(host); } }, t('sofa.overview.ql.profile')),
        el('button', { class: 'tb-btn tb-btn--secondary', onclick: () => { activeTab = 'accounts'; render(host); } }, t('sofa.overview.ql.accounts')),
        el('button', { class: 'tb-btn tb-btn--secondary', onclick: () => { activeTab = 'risks'; render(host); } }, t('sofa.overview.ql.risks')),
      ),
    ));
  }

  function buildWindowPill(label, value) {
    const el = TB.utils.el;
    return el('div', {
      style: {
        padding: 'var(--tb-sp-3)',
        background: 'var(--tb-bg)',
        border: '1px solid var(--tb-border)',
        borderRadius: 'var(--tb-radius-2)',
      },
    },
      el('div', { class: 'tb-card-meta', style: { marginBottom: '4px', textTransform: 'uppercase', letterSpacing: '0.04em', fontSize: 'var(--tb-fs-12)' } }, label),
      el('div', { style: { fontSize: 'var(--tb-fs-22)', fontWeight: '700', fontFamily: 'var(--tb-font-mono)' } }, value || '—'),
    );
  }

  // ====================================================================
  // PROFILE
  // ====================================================================

  function renderProfile(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const profile = getProfile();
    const lang = TB.i18n.getLang();

    const card = el('div', { class: 'tb-card', 'data-track': 'sofa' });
    card.appendChild(el('h2', null, t('sofa.profile.title')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('sofa.profile.intro')));

    function bind(field) {
      return (e) => setProfileField(field, e.target.value);
    }

    function pickerField(label, fieldName, options, helpKey) {
      const labelFor = (o) => lang === 'ja' ? o.label_jp : o.label_en;
      return field(label,
        el('select', {
          class: 'tb-select',
          onchange: bind(fieldName),
        },
          el('option', { value: '', selected: !profile[fieldName] }, '— ' + t('sofa.profile.choose') + ' —'),
          ...options.map(o => el('option', {
            value: o.value, selected: profile[fieldName] === o.value,
          }, labelFor(o))),
        ),
        helpKey ? t(helpKey) : null);
    }

    card.appendChild(grid2col(
      pickerField(t('sofa.profile.role'), 'role', SOFA_ROLES, 'sofa.profile.role.help'),
      pickerField(t('sofa.profile.sofa_status'), 'sofa_status', SOFA_STATUSES),
    ));

    card.appendChild(grid2col(
      field(t('sofa.profile.separation_date'), el('input', {
        type: 'date',
        class: 'tb-input',
        value: profile.separation_date || '',
        onchange: bind('separation_date'),
      }), t('sofa.profile.separation_date.help')),
      field(t('sofa.profile.juminhyou_target_date'), el('input', {
        type: 'date',
        class: 'tb-input',
        value: profile.juminhyou_target_date || '',
        onchange: bind('juminhyou_target_date'),
      }), t('sofa.profile.juminhyou_target_date.help')),
    ));

    card.appendChild(grid2col(
      pickerField(t('sofa.profile.jp_residency_plan'), 'jp_residency_plan', JP_RESIDENCY_PLANS,
        'sofa.profile.jp_residency_plan.help'),
      pickerField(t('sofa.profile.filing_status'), 'filing_status', FILING_STATUSES),
    ));

    card.appendChild(grid2col(
      field(t('sofa.profile.spouse_us'), el('select', {
        class: 'tb-select', onchange: bind('spouse_us_person'),
      },
        el('option', { value: '', selected: !profile.spouse_us_person }, '—'),
        el('option', { value: 'yes', selected: profile.spouse_us_person === 'yes' }, t('sofa.yes')),
        el('option', { value: 'no', selected: profile.spouse_us_person === 'no' }, t('sofa.no')),
        el('option', { value: 'na', selected: profile.spouse_us_person === 'na' }, t('sofa.na')),
      )),
      field(t('sofa.profile.minor_children'), el('select', {
        class: 'tb-select', onchange: bind('has_minor_children'),
      },
        el('option', { value: '', selected: !profile.has_minor_children }, '—'),
        el('option', { value: 'yes', selected: profile.has_minor_children === 'yes' }, t('sofa.yes')),
        el('option', { value: 'no', selected: profile.has_minor_children === 'no' }, t('sofa.no')),
      )),
    ));

    card.appendChild(field(t('sofa.profile.notes'), el('textarea', {
      class: 'tb-input',
      rows: 3,
      style: { resize: 'vertical' },
      placeholder: t('sofa.profile.notes.placeholder'),
      onchange: bind('notes'),
    }, profile.notes || '')));

    tabHost.appendChild(card);
  }

  // ====================================================================
  // ACCOUNTS
  // ====================================================================

  function renderAccounts(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const accounts = getAccounts(); // derived rollup from assets module
    const tax = getTaxAssump();

    const card = el('div', { class: 'tb-card', 'data-track': 'sofa' });
    card.appendChild(el('h2', null, t('sofa.accounts.title')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('sofa.accounts.intro')));

    // Source-of-truth callout — balances live in the Assets module now.
    const calloutBody = lang === 'ja'
      ? '口座残高は「資産・口座トラッカー」モジュールに統合されました。下記は SOFA に流れる集計のプレビューです。残高を編集するには Assets を開いてください。'
      : 'Account balances now live in the Assets & Portfolio Tracker. Below is a read-only preview of the rollup feeding the SOFA sequencer. Open the Assets module to edit any balance.';
    card.appendChild(el('div', { class: 'tb-disclaimer-inline', style: { marginBottom: 'var(--tb-sp-3)' } },
      calloutBody));
    card.appendChild(el('div', { class: 'tb-btn-row', style: { marginTop: 0, marginBottom: 'var(--tb-sp-4)' } },
      el('button', {
        class: 'tb-btn',
        type: 'button',
        onclick: () => document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'assets' } })),
      }, lang === 'ja' ? '資産モジュールを開く →' : 'Open Assets module →'),
    ));

    // Rollup display — read-only rows with contributing-account
    // drill-down. Empty wrappers are dimmed and show a "+ Add account"
    // CTA so the user can flow directly to Assets to set them up.
    //
    // wrapperId param maps the SOFA-flat field back to the Assets
    // wrapper(s) that contribute to it. Some fields (taxable_basis,
    // re_basis) don't have a 1:1 wrapper — those skip the drill-down.
    function rollupRow(labelKey, fieldName, helpKey, wrapperId) {
      const v = accounts[fieldName];
      const has = v != null && v !== 0;
      const wrapperAccounts = wrapperId && TB.assets && TB.assets.getAccountsForWrapper
        ? TB.assets.getAccountsForWrapper(wrapperId)
        : [];

      const headerRow = el('div', {
        style: {
          display: 'flex', justifyContent: 'space-between', alignItems: 'baseline',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)',
          marginBottom: wrapperAccounts.length > 0 ? '2px' : 'var(--tb-sp-1)',
          opacity: has ? '1' : '0.55',
        },
      },
        el('div', null,
          el('div', { style: { fontSize: 'var(--tb-fs-14)' } }, t(labelKey)),
          helpKey ? el('div', { class: 'tb-field-help' }, t(helpKey)) : null,
        ),
        el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600' } },
          has ? TB.utils.formatUSD(v, { maximumFractionDigits: 0 }) : '—'),
      );

      // No wrapperId mapping — return just the header (used for basis fields).
      if (!wrapperId) return headerRow;

      const wrap = el('div');
      wrap.appendChild(headerRow);

      if (wrapperAccounts.length > 0) {
        // Per-account list — small, indented, with institution + name + USD.
        const list = el('div', {
          style: {
            padding: '4px var(--tb-sp-3) var(--tb-sp-2) var(--tb-sp-5)',
            fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)',
          },
        });
        for (const a of wrapperAccounts) {
          list.appendChild(el('div', {
            style: { display: 'flex', justifyContent: 'space-between', padding: '2px 0' },
          },
            el('span', null,
              (a.institution ? a.institution + ' · ' : '') + (a.name || '(unnamed)') +
              (a.account_number_last4 ? ' (••••' + a.account_number_last4 + ')' : '')),
            el('span', { style: { fontFamily: 'var(--tb-font-mono)' } },
              TB.utils.formatUSD(a.balance_usd, { maximumFractionDigits: 0 })),
          ));
        }
        wrap.appendChild(list);
      } else {
        // Empty-wrapper guidance — link to Assets to add one.
        wrap.appendChild(el('div', {
          style: {
            padding: '4px var(--tb-sp-3) var(--tb-sp-2) var(--tb-sp-5)',
            fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', fontStyle: 'italic',
          },
        },
          el('span', null, t('sofa.accounts.empty.cta') + ' '),
          el('a', {
            href: '#',
            style: { color: 'var(--tb-navy)' },
            onclick: (e) => {
              e.preventDefault();
              document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'assets' } }));
            },
          }, t('sofa.accounts.empty.link') + ' →'),
        ));
      }
      return wrap;
    }

    card.appendChild(el('h3', null, t('sofa.accounts.section.retirement')));
    card.appendChild(rollupRow('sofa.accounts.traditional_ira',     'traditional_ira_usd',          'sofa.accounts.traditional_ira.help', 'traditional_ira'));
    card.appendChild(rollupRow('sofa.accounts.traditional_401k_tsp','traditional_401k_tsp_usd',     null, 'traditional_401k_tsp'));
    card.appendChild(rollupRow('sofa.accounts.roth_ira',            'roth_ira_usd',                 null, 'roth_ira'));
    card.appendChild(rollupRow('sofa.accounts.roth_401k',           'roth_401k_usd',                null, 'roth_401k'));
    card.appendChild(rollupRow('sofa.accounts.hsa',                 'hsa_balance_usd',              'sofa.accounts.hsa.help', 'hsa'));

    card.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-5)' } }, t('sofa.accounts.section.taxable')));
    card.appendChild(rollupRow('sofa.accounts.taxable_value', 'taxable_brokerage_value_usd', null, 'taxable_brokerage'));
    card.appendChild(rollupRow('sofa.accounts.taxable_basis', 'taxable_brokerage_basis_usd', 'sofa.accounts.taxable_basis.help'));

    card.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-5)' } }, t('sofa.accounts.section.equity')));
    card.appendChild(rollupRow('sofa.accounts.rsu_unvested',  'rsu_unvested_value_usd',       null, 'rsu_unvested'));
    card.appendChild(rollupRow('sofa.accounts.options',       'nso_iso_unrealized_value_usd', null, 'nso_iso'));
    card.appendChild(rollupRow('sofa.accounts.deferred_comp', 'deferred_comp_usd',            null, 'deferred_comp'));

    card.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-5)' } }, t('sofa.accounts.section.realestate')));
    card.appendChild(rollupRow('sofa.accounts.re_value', 'us_real_estate_value_usd', null, 'us_real_estate'));
    card.appendChild(rollupRow('sofa.accounts.re_basis', 'us_real_estate_basis_usd'));

    // Tax assumptions stay in SOFA — they're SOFA-specific user prefs,
    // not portfolio data, so they belong here.
    card.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-5)' } }, t('sofa.accounts.section.tax')));
    card.appendChild(grid2col(
      field(t('sofa.tax.us_marginal'), el('input', {
        type: 'number', class: 'tb-input', min: '0', max: '50', step: '0.5',
        placeholder: '24',
        value: tax.us_marginal_pct != null ? tax.us_marginal_pct : '',
        onchange: (e) => setTaxField('us_marginal_pct',
          e.target.value === '' ? null : Number(e.target.value)),
      }), t('sofa.tax.us_marginal.help')),
      field(t('sofa.tax.us_ltcg'), el('input', {
        type: 'number', class: 'tb-input', min: '0', max: '30', step: '0.5',
        placeholder: '15',
        value: tax.us_ltcg_pct != null ? tax.us_ltcg_pct : '',
        onchange: (e) => setTaxField('us_ltcg_pct',
          e.target.value === '' ? null : Number(e.target.value)),
      })),
    ));
    card.appendChild(grid2col(
      field(t('sofa.tax.jp_marginal'), el('input', {
        type: 'number', class: 'tb-input', min: '0', max: '60', step: '0.5',
        placeholder: '33',
        value: tax.jp_marginal_pct != null ? tax.jp_marginal_pct : '',
        onchange: (e) => setTaxField('jp_marginal_pct',
          e.target.value === '' ? null : Number(e.target.value)),
      }), t('sofa.tax.jp_marginal.help')),
      field(t('sofa.tax.jp_ltcg'), el('input', {
        type: 'number', class: 'tb-input', min: '0', max: '30', step: '0.001',
        value: tax.jp_ltcg_pct != null ? tax.jp_ltcg_pct : 20.315,
        onchange: (e) => setTaxField('jp_ltcg_pct',
          e.target.value === '' ? null : Number(e.target.value)),
      }), t('sofa.tax.jp_ltcg.help')),
    ));

    tabHost.appendChild(card);
  }

  // ====================================================================
  // SEQUENCE
  // ====================================================================

  function renderSequence(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const profile = getProfile();

    const card = el('div', { class: 'tb-card', 'data-track': 'sofa' });
    card.appendChild(el('h2', null, t('sofa.sequence.title')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('sofa.sequence.intro')));

    if (!profile.role || !profile.jp_residency_plan) {
      card.appendChild(el('p', { class: 'tb-wizard-help' }, t('sofa.sequence.profileFirst')));
      card.appendChild(el('div', { class: 'tb-btn-row' },
        el('button', {
          class: 'tb-btn',
          onclick: () => { activeTab = 'profile'; render(host); },
        }, t('sofa.overview.empty.cta')),
      ));
      tabHost.appendChild(card);
      return;
    }

    const steps = deriveSequence();
    if (steps.length === 0) {
      card.appendChild(el('p', { class: 'tb-wizard-help' }, t('sofa.sequence.empty')));
      tabHost.appendChild(card);
      return;
    }

    // Sort: severity then deadline.
    const severityOrder = { critical: 0, high: 1, medium: 2, info: 3 };
    steps.sort((a, b) => {
      const sa = severityOrder[a.severity] || 99;
      const sb = severityOrder[b.severity] || 99;
      if (sa !== sb) return sa - sb;
      const da = a.deadline_iso || '9999-12-31';
      const db = b.deadline_iso || '9999-12-31';
      return da.localeCompare(db);
    });

    // Group by status.
    const buckets = { pending: [], planned: [], executed: [], dismissed: [] };
    for (const s of steps) {
      const k = s.status || 'pending';
      (buckets[k] || buckets.pending).push(s);
    }

    function renderBucket(label, list, expandable) {
      if (list.length === 0) return null;
      const wrap = el('div', { style: { marginTop: 'var(--tb-sp-4)' } });
      wrap.appendChild(el('h3', null, label + ' · ' + list.length));
      for (const s of list) wrap.appendChild(buildStepRow(s, lang, false));
      return wrap;
    }

    const pendingSection = renderBucket(t('sofa.sequence.bucket.pending'), buckets.pending);
    const plannedSection = renderBucket(t('sofa.sequence.bucket.planned'), buckets.planned);
    const executedSection = renderBucket(t('sofa.sequence.bucket.executed'), buckets.executed, true);
    const dismissedSection = renderBucket(t('sofa.sequence.bucket.dismissed'), buckets.dismissed, true);

    if (pendingSection) card.appendChild(pendingSection);
    if (plannedSection) card.appendChild(plannedSection);
    if (executedSection) card.appendChild(executedSection);
    if (dismissedSection) card.appendChild(dismissedSection);

    tabHost.appendChild(card);
  }

  function buildStepRow(step, lang, compact) {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    const titleText = lang === 'ja' ? step.title_jp : step.title_en;
    const summaryText = lang === 'ja' ? step.summary_jp : step.summary_en;

    const sevClass = 'tb-sofa-sev-' + (step.severity || 'info');
    const sevColors = {
      critical: 'var(--tb-error, var(--tb-warn))',
      high:     'var(--tb-warn)',
      medium:   'var(--tb-accent)',
      info:     'var(--tb-text-soft)',
    };
    const sevColor = sevColors[step.severity] || sevColors.info;

    const wrap = el('div', {
      class: 'tb-card',
      style: {
        background: 'var(--tb-bg)',
        marginBottom: 'var(--tb-sp-3)',
        padding: 'var(--tb-sp-3) var(--tb-sp-4)',
        borderLeft: '4px solid ' + sevColor,
        opacity: step.status === 'dismissed' || step.status === 'executed' ? '0.6' : '1',
      },
    });

    const headerRow = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-2)' },
    },
      el('div', { style: { flex: '1 1 0', minWidth: '200px' } },
        el('strong', null, titleText),
        el('div', { class: 'tb-card-meta', style: { marginTop: '2px' } },
          el('span', {
            style: {
              display: 'inline-block', padding: '1px 8px', borderRadius: '999px',
              fontSize: 'var(--tb-fs-12)', textTransform: 'uppercase', letterSpacing: '0.04em',
              background: sevColor + '22', color: sevColor, fontWeight: '700', marginRight: 'var(--tb-sp-2)',
            },
          }, t('sofa.severity.' + (step.severity || 'info'))),
          step.deadline_iso
            ? el('span', { style: { color: 'var(--tb-text-soft)' } }, fmtDeadlineLabel(step.deadline_iso))
            : null,
          step.amount_usd
            ? el('span', {
                style: { color: 'var(--tb-text-soft)', marginLeft: 'var(--tb-sp-2)' },
              }, '~$' + Number(step.amount_usd).toLocaleString())
            : null,
        ),
      ),
    );
    wrap.appendChild(headerRow);

    if (!compact) {
      wrap.appendChild(el('p', { style: { margin: 'var(--tb-sp-2) 0', lineHeight: '1.55' } }, summaryText));

      // ── Asset-integration awareness ────────────────────────────
      // When a step references a wrapper that has $0 balance in
      // Assets, show a guidance row pointing the user to add the
      // account. Mapping: roth_conversion → traditional_ira/401k_tsp;
      // realize_ltcg → taxable_brokerage; rsu_vest → rsu_unvested;
      // re_sale → us_real_estate; tsp_rollover → traditional_401k_tsp.
      const wrapperGuards = {
        roth_conversion:  ['traditional_ira', 'traditional_401k_tsp'],
        realize_ltcg:     ['taxable_brokerage'],
        rsu_vest:         ['rsu_unvested'],
        exercise_options: ['nso_iso'],
        deferred_comp:    ['deferred_comp'],
        re_sale:          ['us_real_estate'],
        tsp_rollover:     ['traditional_401k_tsp'],
      };
      const guardWrappers = wrapperGuards[step.type] || [];
      if (guardWrappers.length > 0 && TB.assets && TB.assets.getAccountsForWrapper) {
        const hasAny = guardWrappers.some((w) => TB.assets.getAccountsForWrapper(w).length > 0);
        if (!hasAny) {
          const wrapperNames = guardWrappers.map((w) => t('assets.wrapper.' + w) || w).join(' / ');
          wrap.appendChild(el('div', {
            style: {
              borderLeft: '3px solid var(--tb-warn)',
              padding: '6px 12px',
              background: 'rgba(185, 122, 26, 0.06)',
              borderRadius: 'var(--tb-radius-1)',
              fontSize: 'var(--tb-fs-12)',
              color: 'var(--tb-warn)',
              margin: 'var(--tb-sp-2) 0',
            },
          },
            '⚠ ' + t('sofa.step.noAssets', { wrappers: wrapperNames }) + ' ',
            el('a', {
              href: '#',
              style: { color: 'var(--tb-warn)', fontWeight: '600' },
              onclick: (e) => {
                e.preventDefault();
                document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'assets' } }));
              },
            }, t('sofa.step.openAssets') + ' →'),
          ));
        } else {
          // Show the actual contributing accounts inline so the user
          // sees exactly what they'd be drawing from / converting.
          const accts = guardWrappers.flatMap((w) => TB.assets.getAccountsForWrapper(w));
          if (accts.length > 0 && !compact) {
            const list = accts.slice(0, 4).map((a) =>
              (a.institution ? a.institution + ' ' : '') + (a.name || '') +
              ' (' + TB.utils.formatUSD(a.balance_usd, { maximumFractionDigits: 0 }) + ')'
            ).join(' · ');
            wrap.appendChild(el('div', {
              style: {
                fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)',
                padding: '4px 0', borderTop: '1px dashed var(--tb-border)',
                marginTop: 'var(--tb-sp-1)',
              },
            },
              el('strong', null, t('sofa.step.affectsAccounts') + ' '),
              list + (accts.length > 4 ? ' …+' + (accts.length - 4) : ''),
            ));
          }
        }
      }

      const actionsRow = el('div', { class: 'tb-btn-row', style: { margin: 0 } });

      // ── Cross-link to Projections for actionable step types ────
      // Roth conversions: deep-link to Projections → Tax Strategy
      // (where the conversion ladder editor lives).
      if (step.type === 'roth_conversion' && !compact) {
        actionsRow.appendChild(el('button', {
          class: 'tb-btn tb-btn--secondary', type: 'button',
          onclick: () => {
            // Navigate to Projections + open Tax Strategy tab.
            try { TB.state.set('projections.ui_state.active_tab', 'tax_strategy'); } catch (e) {}
            document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'projections' } }));
          },
        }, '🟢 ' + t('sofa.step.planInProjections')));
      }
      // Realize LTCG, RSU vest, RE sale: deep-link to Projections too,
      // but to the main projection (where you can see the year and tax).
      if ((step.type === 'realize_ltcg' || step.type === 'rsu_vest' || step.type === 're_sale') && !compact) {
        actionsRow.appendChild(el('button', {
          class: 'tb-btn tb-btn--secondary', type: 'button',
          onclick: () => {
            try { TB.state.set('projections.ui_state.active_tab', 'projection'); } catch (e) {}
            document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'projections' } }));
          },
        }, '📊 ' + t('sofa.step.viewProjection')));
      }
      const status = step.status || 'pending';
      function flip(newStatus) {
        const all = getSteps();
        const i = all.findIndex(x => x.id === step.id);
        if (i >= 0) {
          all[i] = Object.assign({}, all[i], { status: newStatus });
          if (newStatus === 'executed') {
            all[i].executed_date = new Date().toISOString().slice(0, 10);
          }
          setSteps(all);
        }
        renderActiveTab();
      }

      if (status === 'pending') {
        actionsRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', onclick: () => flip('planned') }, t('sofa.action.markPlanned')));
        actionsRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', onclick: () => openExecutedModal(step) }, t('sofa.action.markExecuted')));
        actionsRow.appendChild(el('button', { class: 'tb-btn tb-btn--ghost', onclick: () => flip('dismissed') }, t('sofa.action.dismiss')));
      } else if (status === 'planned') {
        actionsRow.appendChild(el('button', { class: 'tb-btn', onclick: () => openExecutedModal(step) }, t('sofa.action.markExecuted')));
        actionsRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', onclick: () => flip('pending') }, t('sofa.action.unplan')));
        actionsRow.appendChild(el('button', { class: 'tb-btn tb-btn--ghost', onclick: () => flip('dismissed') }, t('sofa.action.dismiss')));
      } else if (status === 'executed') {
        actionsRow.appendChild(el('span', { class: 'tb-card-meta' },
          '✓ ' + t('sofa.executed.on', { date: step.executed_date || '—' })));
        actionsRow.appendChild(el('button', { class: 'tb-btn tb-btn--ghost', onclick: () => flip('pending') }, t('sofa.action.reopen')));
      } else if (status === 'dismissed') {
        actionsRow.appendChild(el('span', { class: 'tb-card-meta' }, t('sofa.dismissed')));
        actionsRow.appendChild(el('button', { class: 'tb-btn tb-btn--ghost', onclick: () => flip('pending') }, t('sofa.action.reopen')));
      }
      wrap.appendChild(actionsRow);
    }

    return wrap;
  }

  // ====================================================================
  // Triple-confirmation modal — used when marking a critical step as
  // executed, to slow the user down and confirm CPA review.
  // ====================================================================

  function openExecutedModal(step) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    let modalRoot = document.getElementById('tb-modal-root');
    if (!modalRoot) {
      modalRoot = el('div', { id: 'tb-modal-root' });
      document.body.appendChild(modalRoot);
    }
    function closeModal() { modalRoot.innerHTML = ''; }

    const isCritical = step.severity === 'critical';
    let ack1 = false;
    let ack2 = false;
    let ack3 = !isCritical; // third ack only required for critical steps
    let amountStr = '';
    let dateStr = new Date().toISOString().slice(0, 10);
    let notesStr = '';

    function rebuild() {
      modalRoot.innerHTML = '';

      const card = el('div', { class: 'tb-modal' });
      card.appendChild(el('h2', { style: { marginTop: 0 } },
        '✓ ' + t('sofa.executed.modal.title')));
      card.appendChild(el('p', { class: 'tb-card-meta' },
        lang === 'ja' ? step.title_jp : step.title_en));

      if (isCritical) {
        card.appendChild(el('div', {
          class: 'tb-disclaimer-inline',
          style: { borderLeftColor: 'var(--tb-error, var(--tb-warn))' },
        },
          el('strong', null, t('sofa.executed.modal.criticalHeadline')),
          el('p', { style: { margin: '6px 0 0' } }, t('sofa.executed.modal.criticalBody')),
        ));
      }

      // Triple-ack section.
      const ackBox = (label, isChecked, onChange) => el('label', {
        style: { display: 'flex', alignItems: 'flex-start', gap: 'var(--tb-sp-2)', margin: 'var(--tb-sp-2) 0', cursor: 'pointer' },
      },
        el('input', {
          type: 'checkbox',
          checked: isChecked,
          onchange: (e) => { onChange(e.target.checked); rebuild(); },
        }),
        el('span', null, label),
      );

      card.appendChild(ackBox(t('sofa.executed.modal.ack1'), ack1, (v) => { ack1 = v; }));
      card.appendChild(ackBox(t('sofa.executed.modal.ack2'), ack2, (v) => { ack2 = v; }));
      if (isCritical) {
        card.appendChild(ackBox(t('sofa.executed.modal.ack3'), ack3, (v) => { ack3 = v; }));
      }

      // Detail inputs.
      card.appendChild(field(t('sofa.executed.modal.dateLabel'), el('input', {
        type: 'date', class: 'tb-input', value: dateStr,
        onchange: (e) => { dateStr = e.target.value; },
      })));
      card.appendChild(field(t('sofa.executed.modal.amountLabel'), el('input', {
        type: 'number', class: 'tb-input', placeholder: 'USD',
        value: amountStr,
        onchange: (e) => { amountStr = e.target.value; },
      })));
      card.appendChild(field(t('sofa.executed.modal.notesLabel'), el('textarea', {
        class: 'tb-input', rows: 2, style: { resize: 'vertical' },
        onchange: (e) => { notesStr = e.target.value; },
      }, notesStr)));

      const allAcked = ack1 && ack2 && ack3;
      card.appendChild(el('div', { class: 'tb-btn-row' },
        el('button', { class: 'tb-btn tb-btn--secondary', onclick: closeModal }, t('sofa.action.cancel')),
        el('button', {
          class: 'tb-btn',
          disabled: !allAcked,
          onclick: () => {
            const all = getSteps();
            const i = all.findIndex(x => x.id === step.id);
            if (i >= 0) {
              all[i] = Object.assign({}, all[i], {
                status: 'executed',
                executed_date: dateStr || null,
                executed_amount: amountStr === '' ? null : Number(amountStr),
                notes: notesStr,
              });
              setSteps(all);
            }
            closeModal();
            renderActiveTab();
          },
        }, t('sofa.executed.modal.confirm')),
      ));

      const backdrop = el('div', {
        class: 'tb-modal-backdrop',
        onclick: (e) => { if (e.target === backdrop) closeModal(); },
      }, card);
      modalRoot.appendChild(backdrop);
    }

    rebuild();
  }

  // ====================================================================
  // RISKS — explanations of the major cost-of-mistake scenarios.
  // ====================================================================

  function renderRisks(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const risks = [
      {
        title: t('sofa.risks.roth.title'),
        body: t('sofa.risks.roth.body'),
        severity: 'critical',
      },
      {
        title: t('sofa.risks.ltcg.title'),
        body: t('sofa.risks.ltcg.body'),
        severity: 'high',
      },
      {
        title: t('sofa.risks.pfic.title'),
        body: t('sofa.risks.pfic.body'),
        severity: 'high',
      },
      {
        title: t('sofa.risks.exit.title'),
        body: t('sofa.risks.exit.body'),
        severity: 'medium',
      },
      {
        title: t('sofa.risks.inheritance.title'),
        body: t('sofa.risks.inheritance.body'),
        severity: 'medium',
      },
      {
        title: t('sofa.risks.rsu.title'),
        body: t('sofa.risks.rsu.body'),
        severity: 'high',
      },
    ];

    const card = el('div', { class: 'tb-card', 'data-track': 'sofa' });
    card.appendChild(el('h2', null, t('sofa.risks.title')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('sofa.risks.intro')));
    tabHost.appendChild(card);

    const sevColors = {
      critical: 'var(--tb-error, var(--tb-warn))',
      high:     'var(--tb-warn)',
      medium:   'var(--tb-accent)',
    };

    for (const r of risks) {
      const block = el('div', {
        class: 'tb-card', 'data-track': 'sofa',
        style: {
          borderLeft: '4px solid ' + (sevColors[r.severity] || sevColors.medium),
        },
      });
      block.appendChild(el('h3', { style: { margin: 0 } }, r.title));
      block.appendChild(el('p', { style: { lineHeight: '1.6', margin: 'var(--tb-sp-2) 0 0' } }, r.body));
      tabHost.appendChild(block);
    }
  }

  // ====================================================================
  // Small UI helpers
  // ====================================================================

  function field(label, control, help) {
    const el = TB.utils.el;
    return el('label', { class: 'tb-field', style: { marginBottom: 0 } },
      el('span', { class: 'tb-field-label' }, label),
      control,
      help ? el('div', { class: 'tb-field-help' }, help) : null,
    );
  }

  function grid2col() {
    const el = TB.utils.el;
    return el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(240px, 1fr))', gap: 'var(--tb-sp-3)', marginBottom: 'var(--tb-sp-3)' },
    }, ...arguments);
  }

  // ====================================================================
  // Module registration
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id,
    label_en: 'SOFA Roth Planner',
    label_jp: 'SOFA Roth プランナー',
    render,
  };

  // Expose pure functions for tests / future AI integration.
  window.TB.sofa = {
    deriveSequence,
    REQUIRED_DISCLAIMER_VERSION,
    SOFA_ROLES,
    SOFA_STATUSES,
    JP_RESIDENCY_PLANS,
    FILING_STATUSES,
  };
})();

</script>
  <script data-source="scripts/modules/veteran.js">
/* Taigan Bridge — modules/veteran.js
 *
 * Veteran module — service record + VA benefits tracking for US
 * veterans living in Japan. Surfaces: VA disability rating + monthly
 * compensation, TRICARE eligibility, Foreign Medical Program for
 * service-connected care abroad, Post-9/11 GI Bill (and the 15-year
 * expiry for pre-2013 dischargees), SGLI/VGLI death benefits, and
 * Japan-specific resources (VA Manila Regional Office, TRICARE
 * Overseas, FMP enrollment).
 *
 * Action Center integration via TB.veteran.actionGenerators —
 * watches for: DD-214 not in vault, GI Bill expiring within 1 year,
 * VGLI 120-day conversion deadline, annual VA re-evaluation due.
 */

(function () {
  'use strict';

  const id = 'veteran';

  // ====================================================================
  // Reference tables
  // ====================================================================

  const BRANCHES = [
    { id: 'army',         emoji: '🪖', label_en: 'US Army',          label_jp: '米国陸軍' },
    { id: 'navy',         emoji: '⚓', label_en: 'US Navy',          label_jp: '米国海軍' },
    { id: 'air_force',    emoji: '✈️', label_en: 'US Air Force',     label_jp: '米国空軍' },
    { id: 'marines',      emoji: '🦅', label_en: 'US Marine Corps',  label_jp: '米国海兵隊' },
    { id: 'coast_guard',  emoji: '🚢', label_en: 'US Coast Guard',   label_jp: '米国沿岸警備隊' },
    { id: 'space_force',  emoji: '🚀', label_en: 'US Space Force',   label_jp: '米国宇宙軍' },
  ];

  const COMPONENTS = [
    { id: 'active',         label_en: 'Active duty',           label_jp: '現役' },
    { id: 'reserve',        label_en: 'Reserve',               label_jp: '予備役' },
    { id: 'national_guard', label_en: 'National Guard',        label_jp: '州兵' },
    { id: 'irr',            label_en: 'IRR (Inactive Ready)',  label_jp: '個人即応予備役 (IRR)' },
  ];

  const DISCHARGE_TYPES = [
    { id: 'honorable',    label_en: 'Honorable',                  label_jp: '名誉除隊' },
    { id: 'general',      label_en: 'General (Under Honorable)',  label_jp: '一般除隊' },
    { id: 'oth',          label_en: 'Other Than Honorable (OTH)', label_jp: '名誉除隊以外 (OTH)' },
    { id: 'bcd',          label_en: 'Bad Conduct (BCD)',          label_jp: '不品行除隊 (BCD)' },
    { id: 'dishonorable', label_en: 'Dishonorable (DD)',          label_jp: '不名誉除隊 (DD)' },
  ];

  const TRICARE_PLANS = [
    { id: 'prime',                 label_en: 'TRICARE Prime',                 label_jp: 'TRICARE Prime' },
    { id: 'select',                label_en: 'TRICARE Select',                label_jp: 'TRICARE Select' },
    { id: 'tricare_for_life',      label_en: 'TRICARE for Life (Medicare-eligible)', label_jp: 'TRICARE for Life(メディケア対象者)' },
    { id: 'overseas',              label_en: 'TRICARE Overseas Program',      label_jp: 'TRICARE Overseas プログラム' },
    { id: 'us_family_health_plan', label_en: 'US Family Health Plan',         label_jp: 'US Family Health Plan' },
  ];

  const EDUCATION_BENEFITS = [
    { id: 'post_911',         label_en: 'Post-9/11 GI Bill (Ch. 33)',  label_jp: 'Post-9/11 GI Bill(第33章)' },
    { id: 'montgomery',       label_en: 'Montgomery GI Bill (Ch. 30)', label_jp: 'モンゴメリー GI Bill(第30章)' },
    { id: 'forever_gi_bill',  label_en: 'Forever GI Bill (no expiry)', label_jp: 'Forever GI Bill(期限なし)' },
    { id: 'none',             label_en: 'None / Not eligible',         label_jp: 'なし・対象外' },
  ];

  // ====================================================================
  // Benefits deep-dive — status-specific guidance
  // ====================================================================
  //
  // Each veteran status unlocks a different mix of US benefits. This
  // table is the curated "what applies to YOU" surface that complements
  // the section cards (which are tracking surfaces). Items emphasize
  // Japan-relevant nuances (deposit-to-foreign-bank, treaty Article 17,
  // FMP for SC conditions, etc.) where they matter.
  //
  // Each item has: title, body, optional ref{url, label}, optional
  // jp_note (Japan-specific addendum) — kept short so the card scans.

  const BENEFITS_BY_STATUS = {
    active: {
      label_en: 'Active duty', label_jp: '現役',
      groups: [
        { label_en: 'Pay & allowances', label_jp: '給与・手当', items: [
          { title: 'Base pay', body: 'Set by your rank + years of service. See DFAS pay tables.',
            ref: { label: 'DFAS pay tables', url: 'https://www.dfas.mil/militarymembers/payentitlements/Pay-Tables/' } },
          { title: 'BAH (Basic Allowance for Housing)', body: 'Tax-free housing stipend. Rate set by duty location ZIP code + dependency status.',
            jp_en: 'BAH while in Japan is replaced by OHA (Overseas Housing Allowance) which reimburses actual rent up to a cap.' },
          { title: 'BAS (Basic Allowance for Subsistence)', body: 'Monthly food stipend, tax-free. Paid to all enlisted unless on subsistence-in-kind.' },
          { title: 'COLA (Cost of Living Allowance)', body: 'Tax-free supplement for high-cost areas. Japan rates can be substantial — verify your station\'s current COLA.' },
          { title: 'Combat Zone Tax Exclusion (CZTE)', body: 'All military pay earned in a designated combat zone is excluded from US federal tax (officer cap applies).' },
        ]},
        { label_en: 'Health', label_jp: '医療', items: [
          { title: 'TRICARE Active Duty (Prime Remote Overseas)', body: 'Free for service member. Family enrolled at no cost. Direct care at military treatment facilities + downtown network.' },
          { title: 'TRICARE Dental', body: 'Active Duty Dental Program for member; family pays via TRICARE Dental Program (TDP).' },
        ]},
        { label_en: 'Savings', label_jp: '貯蓄', items: [
          { title: 'TSP with 5% government match (BRS)', body: 'Blended Retirement System: 1% automatic + 4% match if you contribute 5%+. Roth + Traditional both available.',
            jp_en: 'TSP withdrawals while a JP resident are JP-taxable as ordinary income (treaty Article 17 saving-clause overrides).' },
          { title: 'Savings Deposit Program (SDP)', body: 'In combat zones: deposit up to $10K, earn 10% APR — well above market rates.' },
        ]},
        { label_en: 'Protection', label_jp: '保護', items: [
          { title: 'SGLI', body: 'Auto-enrolled at $400K. Premium ~$25/mo. Lapses 120 days after separation.' },
          { title: 'SCRA (Servicemembers Civil Relief Act)', body: '6% interest cap on pre-service debts, lease termination rights for orders, foreclosure protection.' },
        ]},
      ],
    },

    reserve_ng: {
      label_en: 'Reserve / National Guard', label_jp: '予備役・州兵',
      groups: [
        { label_en: 'Pay', label_jp: '給与', items: [
          { title: 'Drill pay', body: 'Standard 4 drills per month (one weekend) = 4 days of base pay. Tax-treatment same as active pay.' },
          { title: 'Annual training (AT)', body: '~2 weeks/year of full active duty pay + per diem.' },
          { title: 'Activation / mobilization pay', body: 'Treated as active duty for the activation period — full BAH/BAS, TRICARE Active, SCRA protections.' },
        ]},
        { label_en: 'Health', label_jp: '医療', items: [
          { title: 'TRICARE Reserve Select (TRS)', body: 'Paid premium (~$50/mo individual / ~$250/mo family in 2024). Vastly cheaper than civilian plans for the same coverage. Eligible while drilling.' },
          { title: 'Line of Duty (LOD) care', body: 'Injuries during drill / AT covered by military medical regardless of TRS enrollment.' },
        ]},
        { label_en: 'Savings', label_jp: '貯蓄', items: [
          { title: 'TSP', body: 'Continue contributing to your TSP via drill pay. No employer match while drilling (BRS match was for active duty service only).' },
        ]},
        { label_en: 'Future', label_jp: '将来', items: [
          { title: 'Reserve retirement at age 60', body: 'Earn retirement points throughout your career; collect monthly pension at age 60 (or earlier — 90 days less for each 90 days of qualifying active duty post-2008).',
            ref: { label: 'Reserve retirement points', url: 'https://www.militaryonesource.mil/financial-legal/personal-finance/saving-investing/reserve-component-retirement-system/' } },
          { title: 'TRICARE Retired Reserve (TRR)', body: 'Bridge coverage from end-of-service to age 60 for "gray area" reservists who completed 20+ years.' },
        ]},
        { label_en: 'Protection', label_jp: '保護', items: [
          { title: 'SGLI for drilling members', body: 'Available — same $400K max as active duty. Premium based on drill pay.' },
          { title: 'USERRA', body: 'Federal law: civilian employer must re-employ you in the same or comparable position after activation, with seniority intact.',
            ref: { label: 'USERRA overview', url: 'https://www.dol.gov/agencies/vets/programs/userra' } },
          { title: 'SCRA', body: 'Same protections as active duty during periods of activation.' },
        ]},
      ],
    },

    retired: {
      label_en: 'Retired (20+ years or medical)', label_jp: '退役者(20年以上または医療退役)',
      groups: [
        { label_en: 'Income', label_jp: '収入', items: [
          { title: 'Military retirement pay', body: '50%+ of your "high-3" base pay (or 40%+ under BRS). COLA-adjusted annually each December. Direct deposit to a US bank or — yes — a JP bank.',
            jp_en: 'Article 17 of the US-Japan Tax Treaty technically says government pensions are residence-state-only taxable, BUT military retirement is generally treated as taxable in BOTH countries (US under saving clause; JP as residence). FTC offsets.' },
          { title: 'High-3 vs Final Pay vs REDUX vs BRS', body: 'Your specific calculation depends on entry date. High-3 (entered 1980-2017 most common). REDUX optional with $30K bonus. BRS (post-2018 entrants OR opted-in) = 40% pension + 5% TSP match.',
            ref: { label: 'DFAS retirement calculator', url: 'https://www.dfas.mil/RetiredMilitary/plan/Estimate-Your-Pay/' } },
        ]},
        { label_en: 'Health', label_jp: '医療', items: [
          { title: 'TRICARE Retired (Prime / Select)', body: 'Annual enrollment fees + cost-shares. TRICARE Select Overseas in Japan operates as reimbursement — pay JP providers cash, file claims.' },
          { title: 'TRICARE for Life (TFL)', body: 'At age 65 + Medicare-eligible: TFL becomes secondary to Medicare. Note: Medicare doesn\'t cover care abroad except in narrow border situations.' },
          { title: 'CHAMPVA (for surviving spouse)', body: 'For survivors of 100% disabled / KIA vets — separate VA-administered health benefit.' },
        ]},
        { label_en: 'Disability + retirement combo', label_jp: '障害 + 退役の組合せ', items: [
          { title: 'CRDP (Concurrent Retirement and Disability Pay)', body: 'If 50%+ rated, you receive BOTH full retirement AND VA disability — no offset. Auto-enrolled.' },
          { title: 'CRSC (Combat-Related Special Compensation)', body: 'For combat-related disabilities — even at <50% rating. Tax-free, replaces the offset of retirement pay vs VA comp. Must apply.' },
        ]},
        { label_en: 'Survivor protection', label_jp: '遺族保護', items: [
          { title: 'SBP (Survivor Benefit Plan)', body: 'Election made AT retirement — continue 55% of your pension to spouse. Premium ~6.5% of pension. Decline only with spouse signature.',
            ref: { label: 'SBP election guide', url: 'https://www.dfas.mil/RetiredMilitary/provide/sbp/' } },
          { title: 'VGLI', body: 'Convert SGLI within 240 days of retirement (no medical questions). Premiums age-based; gets expensive after ~60.' },
        ]},
        { label_en: 'Access & lifestyle', label_jp: 'アクセス・生活', items: [
          { title: 'Commissary / Exchange / MWR', body: 'Tax-free shopping at military bases worldwide, including Yokota, Misawa, Atsugi, Sasebo, Iwakuni, Okinawa.' },
          { title: 'Space-A travel', body: 'Standby military aircraft travel for retirees + dependents. From Japan to USA on patriot flights when seats available.' },
          { title: 'VA Home Loan', body: 'Available throughout retirement. No PMI, no down payment. US property only — not for buying Japanese real estate.' },
        ]},
      ],
    },

    separated_with_dis: {
      label_en: 'Separated with VA disability', label_jp: '除隊 + VA 障害認定あり',
      groups: [
        { label_en: 'Compensation', label_jp: '補償', items: [
          { title: 'VA disability compensation', body: 'Tax-free monthly. Rate increases with rating + dependents (child, spouse, parents). 2024 rates: 10%=~$171/mo, 50%=~$1,075/mo, 100%=~$3,737/mo (single).',
            jp_en: 'Direct deposit to JP bank works (provide IBAN/SWIFT to VA Manila). Counts as US-source income for FTC purposes but is exempt from Japan tax under Article 19 of the treaty.' },
          { title: 'Annual COLA increase', body: 'Compensation rate adjusted each December for the Dec following.' },
        ]},
        { label_en: 'Healthcare', label_jp: '医療', items: [
          { title: 'VA Healthcare priority groups', body: 'Priority Group 1 (50%+) → no copays. Lower groups → may have copays. JP-resident vets typically use FMP for SC conditions, not direct VA care.' },
          { title: 'FMP (Foreign Medical Program)', body: 'Reimburses Japanese providers for treatment of YOUR specific service-connected conditions. Enroll once, then file claims via VA Manila for each visit.' },
          { title: 'Mental health support', body: 'PTSD, depression, etc. — Vet Center counseling available globally; some Japan-based providers participate in FMP.' },
        ]},
        { label_en: 'Education + employment', label_jp: '教育・雇用', items: [
          { title: 'VR&E (Chapter 31 Vocational Rehab)', body: 'Often BETTER than GI Bill for higher-rated vets — pays full tuition (no cap), monthly housing allowance, ALL books/supplies, employment services. 12+ year window from separation.',
            ref: { label: 'VR&E program', url: 'https://www.va.gov/careers-employment/vocational-rehabilitation/' } },
          { title: 'Post-9/11 GI Bill', body: '36 months. May be used in addition to or instead of VR&E. Foreign schools must be VA-approved.' },
          { title: 'Hire-Vets initiatives', body: 'Federal hiring preference, VA "Vets to Tech" program, USAJOBS veteran preference points.' },
        ]},
        { label_en: 'Savings + state benefits', label_jp: '節税・州給付', items: [
          { title: 'Property tax exemption', body: 'Many US states exempt 100% disabled vets from property tax (varies; FL/TX/CA generous, NJ/NY less so). Affects maintaining a US property while abroad.' },
          { title: 'Income tax exemption', body: 'Several states exempt military retirement + VA disability from state income tax. Verify your domicile state.' },
        ]},
      ],
    },

    separated_no_dis: {
      label_en: 'Separated, no VA disability', label_jp: '除隊 + VA 障害認定なし',
      groups: [
        { label_en: 'Education', label_jp: '教育', items: [
          { title: 'Post-9/11 GI Bill (Chapter 33)', body: '36 months of education benefit. Pre-2013 dischargees: 15-year delimitation date. Post-2013: Forever GI Bill (no expiry).' },
          { title: 'Yellow Ribbon Program', body: 'For schools where tuition exceeds the Post-9/11 cap — participating schools waive the difference, VA matches.' },
          { title: 'Transfer to dependents', body: 'Must transfer while still serving with 4+ years remaining service obligation. Once transferred, you cannot reclaim.' },
        ]},
        { label_en: 'Home', label_jp: '住宅', items: [
          { title: 'VA Home Loan', body: 'No PMI, no down payment, competitive rates. One-time use, restorable upon sale + payoff. US property only.',
            ref: { label: 'VA Home Loan', url: 'https://www.va.gov/housing-assistance/home-loans/' } },
          { title: 'Native American Direct Loan (NADL)', body: 'For Native American vets: direct VA loan for property on federal trust land.' },
        ]},
        { label_en: 'Career', label_jp: 'キャリア', items: [
          { title: 'USERRA', body: 'Re-employment rights with civilian employer after federal service obligations.' },
          { title: 'Veteran preference (federal hiring)', body: '5-point or 10-point preference on federal job applications. Affects USAJOBS scoring.' },
          { title: 'Transition Assistance Program (TAP)', body: 'Available for 365 days post-separation. Job placement, resume help, entrepreneurship resources.' },
        ]},
        { label_en: 'After-death benefits', label_jp: '埋葬・記念', items: [
          { title: 'Burial in National Cemetery', body: 'Free interment for any honorably-discharged veteran. Includes Yokohama (Yokohama War Cemetery is Commonwealth, but Honolulu Punchbowl is the closest US National Cemetery for Pacific-area vets).' },
          { title: 'Headstone, flag, military honors', body: 'Provided regardless of where buried. Folded flag presentation by uniformed honor guard.' },
          { title: 'Presidential Memorial Certificate', body: 'Engraved certificate signed by the sitting President. Apply via VA Form 40-0247.' },
        ]},
        { label_en: 'Reconsideration', label_jp: '再検討', items: [
          { title: 'File for VA disability claim', body: 'Even without obvious conditions: tinnitus, sleep apnea, joint issues, mental health are commonly underclaimed by separated vets. A VSO (Veterans Service Officer) helps file at no cost.',
            ref: { label: 'How to file a claim', url: 'https://www.va.gov/disability/how-to-file-claim/' } },
        ]},
      ],
    },
  };

  // ====================================================================
  // State accessors
  // ====================================================================

  function getVet()      { return TB.state.get('veteran') || {}; }
  function getService()  { return getVet().service || {}; }
  function getDisability() { return getVet().disability || {}; }
  function getHealthcare() { return getVet().healthcare || {}; }
  function getEducation()  { return getVet().education || {}; }
  function getSurvivor()   { return getVet().survivor || {}; }
  function setSection(section, value) {
    const v = getVet();
    v[section] = value;
    TB.state.set('veteran', v);
  }

  function lookupLabel(list, id, lang) {
    const it = list.find((x) => x.id === id);
    if (!it) return id || '—';
    return (it.emoji ? it.emoji + ' ' : '') + (lang === 'ja' ? it.label_jp : it.label_en);
  }

  // ====================================================================
  // Module render — single page with section cards
  // ====================================================================

  let host = null;

  // Read the user's veteran status from onboarding answers. This
  // determines which section cards render. Statuses:
  //   'active'             — show all sections, emphasize SGLI + active TRICARE
  //   'reserve_ng'         — show all sections (drilling reservists have SGLI)
  //   'retired'            — show all sections including TRICARE Retiree + pension
  //   'separated_with_dis' — hide TRICARE (not eligible), show disability + FMP
  //   'separated_no_dis'   — hide TRICARE + FMP + Disability sections; show GI Bill + survivor
  //   'yes' (legacy)       — show all (back-compat with v0.13 yes/no answer)
  function vetStatus() {
    return TB.state.get('onboarding.answers.veteran') || null;
  }

  function showsDisability() {
    const s = vetStatus();
    if (!s || s === 'no') return false;
    if (s === 'separated_no_dis') return false;
    return true;  // active, reserve_ng, retired, separated_with_dis, yes (legacy)
  }
  function showsHealthcare() {
    const s = vetStatus();
    if (!s || s === 'no') return false;
    // TRICARE eligibility requires retired or active duty (drilling
    // reservists too, but limited). Separated-no-disability folks
    // have neither TRICARE nor FMP.
    if (s === 'separated_no_dis') return false;
    return true;
  }
  function showsSurvivor() {
    const s = vetStatus();
    if (!s || s === 'no') return false;
    // SGLI/VGLI window logic: VGLI conversion permanently closes
    // 485 days after separation. If the user is past that AND has
    // no SGLI/VGLI amount on file, the section is just noise — hide
    // it. They can still re-show by manually editing the Survivor
    // section (we expose openSurvivorModal via the public API).
    const dischargeDate = (TB.state.get('veteran.service') || {}).discharge_date;
    if (dischargeDate) {
      const daysSince = Math.round((new Date() - new Date(dischargeDate + 'T00:00:00')) / 86400000);
      if (daysSince > 485) {
        const sb = TB.state.get('veteran.survivor') || {};
        const hasAmount = (sb.sgli_amount && sb.sgli_amount > 0) ||
                          (sb.vgli_amount && sb.vgli_amount > 0);
        if (!hasAmount) return false;
      }
    }
    return true;
  }
  function showsEducation() {
    const s = vetStatus();
    if (!s || s === 'no') return false;
    // GI Bill is potentially available to ALL veteran statuses,
    // but the user can mark it 'none' inside the section if they've
    // used it all up (which hides the expiry warning).
    return true;
  }

  const SECTIONS = [
    { id: 'header',   always: true, builder: () => buildHeaderCard() },
    { id: 'service',  always: true, builder: () => buildServiceCard() },
    {
      id: 'benefits_guide',
      label_en: 'Benefits guide (status-specific)',
      label_jp: '給付ガイド(ステータス別)',
      description_en: 'Tailored deep-dive based on your veteran status (active / reserve / retired / separated).',
      description_jp: 'あなたの退役軍人ステータス(現役・予備役・退役・除隊)に合わせた詳細ガイド。',
      auto_show: () => true,
      builder: () => buildBenefitsGuideCard(),
    },
    {
      id: 'disability',
      label_en: 'VA disability rating + compensation',
      label_jp: 'VA 障害認定と補償',
      description_en: 'Tracks rating %, monthly compensation, conditions list.',
      description_jp: '認定率、月次補償、症状リストを追跡。',
      auto_show: showsDisability,
      builder: () => buildDisabilityCard(),
    },
    {
      id: 'healthcare',
      label_en: 'TRICARE / FMP / VA healthcare',
      label_jp: 'TRICARE・FMP・VA 医療',
      description_en: 'Healthcare options for veterans abroad. TRICARE applies if retired.',
      description_jp: '海外退役軍人向け医療オプション。TRICARE は退役者のみ。',
      auto_show: showsHealthcare,
      builder: () => buildHealthcareCard(),
    },
    {
      id: 'education',
      label_en: 'GI Bill / Post-9/11 education benefits',
      label_jp: 'GI Bill・Post-9/11 教育給付',
      description_en: 'Track months remaining + 15-year expiration (pre-2013 dischargees).',
      description_jp: '残月数と 15 年期限(2013 年以前除隊者)を追跡。',
      auto_show: showsEducation,
      builder: () => buildEducationCard(),
    },
    {
      id: 'survivor',
      label_en: 'SGLI / VGLI / SBP / DIC',
      label_jp: 'SGLI・VGLI・SBP・DIC',
      description_en: 'Survivor benefits. SGLI lapses 120d after separation; VGLI conversion window 240/485d.',
      description_jp: '遺族給付。SGLI は除隊後 120 日で失効、VGLI 切替期間は 240/485 日。',
      auto_show: showsSurvivor,
      builder: () => buildSurvivorCard(),
    },
    { id: 'japan_resources', always: true, builder: () => buildJapanResourcesCard() },
  ];

  let listenerSet = false;
  function render(container) {
    host = container;
    if (!listenerSet) {
      TB.customize.onChange(id, () => rerender());
      listenerSet = true;
    }
    container.innerHTML = '';
    SECTIONS.forEach((s) => {
      if (s.always || TB.customize.isSectionEnabled(id, s.id, s.auto_show)) {
        container.appendChild(s.builder());
      }
    });
    container.appendChild(TB.customize.buildPanel(id, SECTIONS));
  }
  function rerender() { if (host) render(host); }

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    return el('div', { class: 'tb-card', 'data-track': 'veteran' },
      el('div', { class: 'tb-card-meta' },
        el('span', { class: 'tb-badge tb-badge--track', 'data-track': 'veteran' },
          t('veteran.badge')),
      ),
      el('h1', null, '🪖 ' + t('veteran.title')),
      el('p', { class: 'tb-card-meta' }, t('veteran.subtitle')),
    );
  }

  // ──────────────── Service info card ────────────────────────────────

  function buildServiceCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const s = getService();

    const card = el('div', { class: 'tb-card', 'data-track': 'veteran' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, t('veteran.section.service')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openServiceModal(),
      }, '✎ ' + t('veteran.edit')),
    ));

    if (!s.branch) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('veteran.service.empty')));
      return card;
    }

    const dl = el('dl', { class: 'tb-dl' });
    function row(label, val) {
      dl.appendChild(el('dt', null, label));
      dl.appendChild(el('dd', null, val || '—'));
    }
    row(t('veteran.field.branch'),         lookupLabel(BRANCHES, s.branch, lang));
    row(t('veteran.field.component'),      lookupLabel(COMPONENTS, s.component, lang));
    row(t('veteran.field.entry_date'),     s.entry_date);
    row(t('veteran.field.discharge_date'), s.discharge_date);
    row(t('veteran.field.discharge_type'), lookupLabel(DISCHARGE_TYPES, s.discharge_type, lang));
    row(t('veteran.field.final_rank'),     s.final_rank);
    row(t('veteran.field.mos_rating'),     s.mos_rating);
    if (s.retired) {
      dl.appendChild(el('dt', null, t('veteran.field.status')));
      dl.appendChild(el('dd', null,
        el('span', { class: 'tb-badge', style: { background: 'var(--tb-success)', color: '#fff' } },
          t('veteran.status.retired'))));
    }
    card.appendChild(dl);

    // DD-214 status — pulls from Document Vault if available.
    const dd214 = (TB.docVault && TB.docVault.getItems)
      ? TB.docVault.getItems().find((it) => it.type === 'dd214') : null;
    const dd214Note = el('div', {
      style: { marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderRadius: 'var(--tb-radius-1)',
        background: dd214 ? 'rgba(47, 111, 78, 0.08)' : 'rgba(185, 122, 26, 0.08)',
        borderLeft: '3px solid ' + (dd214 ? 'var(--tb-success)' : 'var(--tb-warn)'),
        fontSize: 'var(--tb-fs-12)' },
    },
      dd214
        ? el('span', null, '✓ ' + t('veteran.dd214.tracked', { location: dd214.storage_location || '—' }))
        : el('span', null,
            '⚠ ' + t('veteran.dd214.missing') + ' ',
            el('a', {
              href: '#', style: { color: 'var(--tb-warn)', fontWeight: '600' },
              onclick: (e) => {
                e.preventDefault();
                document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'document-vault' } }));
              },
            }, t('veteran.dd214.openVault') + ' →'),
          ),
    );
    card.appendChild(dd214Note);
    return card;
  }

  function openServiceModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({}, getService());
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('veteran.modal.service')));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }
    function selectField(label, list, val, onSet) {
      const sel = el('select', { class: 'tb-select', onchange: (e) => onSet(e.target.value || null) },
        el('option', { value: '', selected: !val }, '—'),
        ...list.map((it) => el('option', {
          value: it.id, selected: val === it.id,
        }, lang === 'ja' ? it.label_jp : it.label_en)),
      );
      return field(label, sel);
    }

    modal.appendChild(selectField(t('veteran.field.branch'),         BRANCHES, draft.branch,
      (v) => { draft.branch = v; }));
    modal.appendChild(selectField(t('veteran.field.component'),      COMPONENTS, draft.component,
      (v) => { draft.component = v; }));
    modal.appendChild(selectField(t('veteran.field.discharge_type'), DISCHARGE_TYPES, draft.discharge_type,
      (v) => { draft.discharge_type = v; }));

    const grid = el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } });
    grid.appendChild(field(t('veteran.field.entry_date'),
      el('input', { type: 'date', class: 'tb-input',
        value: draft.entry_date || '',
        oninput: (e) => { draft.entry_date = e.target.value || null; } })));
    grid.appendChild(field(t('veteran.field.discharge_date'),
      el('input', { type: 'date', class: 'tb-input',
        value: draft.discharge_date || '',
        oninput: (e) => { draft.discharge_date = e.target.value || null; } })));
    modal.appendChild(grid);

    modal.appendChild(field(t('veteran.field.final_rank'),
      el('input', { type: 'text', class: 'tb-input',
        value: draft.final_rank || '',
        placeholder: 'E-7, O-3, W-2, etc.',
        oninput: (e) => { draft.final_rank = e.target.value; } })));
    modal.appendChild(field(t('veteran.field.mos_rating'),
      el('input', { type: 'text', class: 'tb-input',
        value: draft.mos_rating || '',
        placeholder: '11B, 25S, AW, etc.',
        oninput: (e) => { draft.mos_rating = e.target.value; } })));

    const retiredCheck = el('input', { type: 'checkbox', checked: !!draft.retired, style: { marginRight: '8px' },
      onchange: (e) => { draft.retired = !!e.target.checked; } });
    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
        retiredCheck, t('veteran.field.retired')),
      el('div', { class: 'tb-field-help' }, t('veteran.field.retired.help')),
    ));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('veteran.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('service', draft); close(); rerender(); },
    }, t('veteran.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ──────────────── Disability card ───────────────────────────────────

  function buildDisabilityCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const d = getDisability();

    const card = el('div', { class: 'tb-card', 'data-track': 'veteran' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, t('veteran.section.disability')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openDisabilityModal(),
      }, '✎ ' + t('veteran.edit')),
    ));

    if (!d.overall_rating_pct && (!d.conditions || d.conditions.length === 0)) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('veteran.disability.empty')));
      return card;
    }

    // Top stats row
    const ratingDisplay = (d.overall_rating_pct || 0) + '%' +
      (d.individual_unemployability ? ' ' + t('veteran.iu.suffix') : '');
    const compDisplay = d.monthly_compensation_usd
      ? TB.utils.formatUSD(d.monthly_compensation_usd, { maximumFractionDigits: 0 }) + '/mo'
      : '—';
    card.appendChild(el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(180px, 1fr))', gap: 'var(--tb-sp-3)' },
    },
      stat(t('veteran.disability.rating'),       ratingDisplay,  d.individual_unemployability ? 'var(--tb-success)' : null),
      stat(t('veteran.disability.compensation'), compDisplay),
      stat(t('veteran.disability.last_eval'),    d.last_evaluation_date || '—'),
    ));

    // Conditions list
    if (d.conditions && d.conditions.length > 0) {
      card.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-4)' } }, t('veteran.disability.conditions')));
      const list = el('div');
      for (const c of d.conditions) {
        list.appendChild(el('div', {
          style: { display: 'flex', justifyContent: 'space-between', padding: '4px 8px',
            borderBottom: '1px dashed var(--tb-border)', alignItems: 'baseline' },
        },
          el('div', null,
            el('span', null, c.name || '(unnamed)'),
            c.service_connected ? el('span', {
              class: 'tb-badge', style: { marginLeft: '8px', fontSize: 'var(--tb-fs-12)', background: 'var(--tb-success)', color: '#fff', borderColor: 'transparent' } },
              'SC') : null,
          ),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600' } },
            (c.rating_pct || 0) + '%'),
        ));
      }
      card.appendChild(list);
    }

    // Reference link to VA Manila RO
    card.appendChild(el('div', {
      style: { marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' },
    },
      t('veteran.disability.reference') + ' ',
      el('a', { href: 'https://www.va.gov/manila-regional-benefit-office/', target: '_blank', rel: 'noopener noreferrer',
        style: { color: 'var(--tb-navy)' } }, 'va.gov/manila-regional-benefit-office'),
    ));

    return card;
  }

  function openDisabilityModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({ conditions: [] }, getDisability());
    if (!Array.isArray(draft.conditions)) draft.conditions = [];

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('veteran.modal.disability')));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    const grid = el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } });
    grid.appendChild(field(t('veteran.disability.rating'),
      el('input', { type: 'number', class: 'tb-input', min: '0', max: '100', step: '10',
        value: draft.overall_rating_pct || 0,
        oninput: (e) => { draft.overall_rating_pct = parseInt(e.target.value, 10) || 0; } }),
      t('veteran.disability.rating.help')));
    grid.appendChild(field(t('veteran.disability.compensation'),
      el('input', { type: 'number', class: 'tb-input', min: '0', step: '1',
        value: draft.monthly_compensation_usd || 0,
        oninput: (e) => { draft.monthly_compensation_usd = parseFloat(e.target.value) || 0; } }),
      t('veteran.disability.compensation.help')));
    modal.appendChild(grid);

    const iuCheck = el('input', { type: 'checkbox', checked: !!draft.individual_unemployability,
      style: { marginRight: '8px' },
      onchange: (e) => { draft.individual_unemployability = !!e.target.checked; } });
    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
        iuCheck, t('veteran.disability.iu')),
      el('div', { class: 'tb-field-help' }, t('veteran.disability.iu.help')),
    ));

    modal.appendChild(field(t('veteran.disability.last_eval'),
      el('input', { type: 'date', class: 'tb-input',
        value: draft.last_evaluation_date || '',
        oninput: (e) => { draft.last_evaluation_date = e.target.value || null; } }),
      t('veteran.disability.last_eval.help')));

    // Conditions list editor
    modal.appendChild(el('h3', null, t('veteran.disability.conditions')));
    const condList = el('div');
    function rebuildConds() {
      condList.innerHTML = '';
      draft.conditions.forEach((c, i) => {
        condList.appendChild(el('div', {
          style: { display: 'grid', gridTemplateColumns: '1fr 80px auto auto', gap: '6px',
            padding: '4px 0', alignItems: 'center' },
        },
          el('input', { type: 'text', class: 'tb-input',
            value: c.name || '', placeholder: t('veteran.condition.name.placeholder'),
            oninput: (e) => { c.name = e.target.value; } }),
          el('input', { type: 'number', class: 'tb-input', min: '0', max: '100', step: '10',
            value: c.rating_pct || 0,
            oninput: (e) => { c.rating_pct = parseInt(e.target.value, 10) || 0; } }),
          el('label', { style: { fontSize: 'var(--tb-fs-12)', display: 'flex', alignItems: 'center', gap: '4px' } },
            el('input', { type: 'checkbox', checked: !!c.service_connected,
              onchange: (e) => { c.service_connected = !!e.target.checked; } }),
            'SC'),
          el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
            style: { padding: '2px 8px', color: 'var(--tb-error)' },
            onclick: () => { draft.conditions.splice(i, 1); rebuildConds(); },
          }, '🗑'),
        ));
      });
    }
    rebuildConds();
    modal.appendChild(condList);
    modal.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button',
      style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
      onclick: () => {
        draft.conditions.push({ id: TB.utils.uuid(), name: '', rating_pct: 0, service_connected: true });
        rebuildConds();
      },
    }, '+ ' + t('veteran.condition.add')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('veteran.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('disability', draft); close(); rerender(); },
    }, t('veteran.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ──────────────── Healthcare card ───────────────────────────────────

  function buildHealthcareCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const h = getHealthcare();

    const card = el('div', { class: 'tb-card', 'data-track': 'veteran' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, t('veteran.section.healthcare')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openHealthcareModal(),
      }, '✎ ' + t('veteran.edit')),
    ));

    if (!h.tricare_eligible && !h.fmp_enrolled) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('veteran.healthcare.empty')));
    } else {
      const dl = el('dl', { class: 'tb-dl' });
      function row(label, val) {
        dl.appendChild(el('dt', null, label));
        dl.appendChild(el('dd', null, val || '—'));
      }
      row(t('veteran.healthcare.tricare_eligible'),
        h.tricare_eligible ? '✓ ' + t('veteran.yes') : '✕ ' + t('veteran.no'));
      if (h.tricare_eligible) {
        row(t('veteran.healthcare.tricare_plan'), lookupLabel(TRICARE_PLANS, h.tricare_plan, lang));
      }
      row('Foreign Medical Program (FMP)',
        h.fmp_enrolled ? '✓ ' + t('veteran.yes') : '✕ ' + t('veteran.no'));
      card.appendChild(dl);
    }

    // Japan-specific healthcare guidance
    card.appendChild(el('div', {
      class: 'tb-disclaimer-inline',
      style: { marginTop: 'var(--tb-sp-3)' },
    }, '🇯🇵 ' + t('veteran.healthcare.jp_note')));

    return card;
  }

  function openHealthcareModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({}, getHealthcare());
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('veteran.modal.healthcare')));

    const tricareCheck = el('input', { type: 'checkbox', checked: !!draft.tricare_eligible,
      style: { marginRight: '8px' },
      onchange: (e) => { draft.tricare_eligible = !!e.target.checked; } });
    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
        tricareCheck, t('veteran.healthcare.tricare_eligible')),
      el('div', { class: 'tb-field-help' }, t('veteran.healthcare.tricare_eligible.help')),
    ));

    const planSelect = el('select', { class: 'tb-select',
      onchange: (e) => { draft.tricare_plan = e.target.value || null; } },
      el('option', { value: '', selected: !draft.tricare_plan }, '—'),
      ...TRICARE_PLANS.map((p) => el('option', {
        value: p.id, selected: draft.tricare_plan === p.id,
      }, lang === 'ja' ? p.label_jp : p.label_en)),
    );
    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label' }, t('veteran.healthcare.tricare_plan')),
      planSelect,
    ));

    const fmpCheck = el('input', { type: 'checkbox', checked: !!draft.fmp_enrolled,
      style: { marginRight: '8px' },
      onchange: (e) => { draft.fmp_enrolled = !!e.target.checked; } });
    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
        fmpCheck, t('veteran.healthcare.fmp')),
      el('div', { class: 'tb-field-help' }, t('veteran.healthcare.fmp.help')),
    ));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('veteran.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('healthcare', draft); close(); rerender(); },
    }, t('veteran.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ──────────────── Education benefits card ──────────────────────────

  function buildEducationCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const e = getEducation();

    const card = el('div', { class: 'tb-card', 'data-track': 'veteran' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, t('veteran.section.education')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openEducationModal(),
      }, '✎ ' + t('veteran.edit')),
    ));

    if (!e.benefit_type) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('veteran.education.empty')));
      return card;
    }

    const dl = el('dl', { class: 'tb-dl' });
    function row(label, val) {
      dl.appendChild(el('dt', null, label));
      dl.appendChild(el('dd', null, val || '—'));
    }
    row(t('veteran.education.benefit_type'), lookupLabel(EDUCATION_BENEFITS, e.benefit_type, lang));
    if (e.months_remaining != null) {
      row(t('veteran.education.months_remaining'), e.months_remaining + ' / 36');
    }
    if (e.expiration_date) {
      const days = Math.round((new Date(e.expiration_date + 'T00:00:00') - new Date()) / 86400000);
      const color = days < 365 ? 'var(--tb-error)' : days < 365 * 3 ? 'var(--tb-warn)' : 'var(--tb-text)';
      row(t('veteran.education.expiration'),
        el('span', { style: { color } }, e.expiration_date + (days > 0 ? ' (' + Math.floor(days / 365) + 'y ' + (days % 365) + 'd)' : ' (expired)')));
    }
    if (e.transferred) {
      dl.appendChild(el('dt', null, t('veteran.education.transferred')));
      dl.appendChild(el('dd', null,
        el('span', { class: 'tb-badge', style: { background: 'var(--tb-success)', color: '#fff' } },
          t('veteran.yes'))));
    }
    card.appendChild(dl);
    return card;
  }

  function openEducationModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({}, getEducation());
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('veteran.modal.education')));

    const sel = el('select', { class: 'tb-select',
      onchange: (e) => { draft.benefit_type = e.target.value || null; } },
      el('option', { value: '', selected: !draft.benefit_type }, '—'),
      ...EDUCATION_BENEFITS.map((b) => el('option', {
        value: b.id, selected: draft.benefit_type === b.id,
      }, lang === 'ja' ? b.label_jp : b.label_en)),
    );
    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label' }, t('veteran.education.benefit_type')), sel));

    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label' }, t('veteran.education.months_remaining')),
      el('input', { type: 'number', class: 'tb-input', min: '0', max: '36',
        value: draft.months_remaining != null ? draft.months_remaining : '',
        placeholder: '0–36',
        oninput: (e) => {
          const v = parseInt(e.target.value, 10);
          draft.months_remaining = isFinite(v) ? v : null;
        } }),
    ));

    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label' }, t('veteran.education.expiration')),
      el('input', { type: 'date', class: 'tb-input',
        value: draft.expiration_date || '',
        oninput: (e) => { draft.expiration_date = e.target.value || null; } }),
      el('div', { class: 'tb-field-help' }, t('veteran.education.expiration.help')),
    ));

    const transferCheck = el('input', { type: 'checkbox', checked: !!draft.transferred,
      style: { marginRight: '8px' },
      onchange: (e) => { draft.transferred = !!e.target.checked; } });
    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
        transferCheck, t('veteran.education.transferred')),
      el('div', { class: 'tb-field-help' }, t('veteran.education.transferred.help')),
    ));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('veteran.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('education', draft); close(); rerender(); },
    }, t('veteran.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ──────────────── Survivor benefits card ───────────────────────────

  function buildSurvivorCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const s = getSurvivor();

    const card = el('div', { class: 'tb-card', 'data-track': 'veteran' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, t('veteran.section.survivor')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openSurvivorModal(),
      }, '✎ ' + t('veteran.edit')),
    ));

    const grid = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(180px, 1fr))', gap: 'var(--tb-sp-3)' },
    });
    grid.appendChild(stat('SGLI',
      s.sgli_amount ? TB.utils.formatUSD(s.sgli_amount, { maximumFractionDigits: 0 }) : '—'));
    grid.appendChild(stat('VGLI',
      s.vgli_amount ? TB.utils.formatUSD(s.vgli_amount, { maximumFractionDigits: 0 }) : '—'));
    card.appendChild(grid);
    card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
      t('veteran.survivor.note')));
    return card;
  }

  function openSurvivorModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({}, getSurvivor());
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('veteran.modal.survivor')));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    modal.appendChild(field('SGLI ' + t('veteran.amount_usd'),
      el('input', { type: 'number', class: 'tb-input', min: '0', step: '10000',
        value: draft.sgli_amount != null ? draft.sgli_amount : '',
        placeholder: '400000',
        oninput: (e) => {
          const v = parseFloat(e.target.value);
          draft.sgli_amount = isFinite(v) ? v : null;
        } }),
      t('veteran.survivor.sgli.help')));
    modal.appendChild(field('VGLI ' + t('veteran.amount_usd'),
      el('input', { type: 'number', class: 'tb-input', min: '0', step: '10000',
        value: draft.vgli_amount != null ? draft.vgli_amount : '',
        placeholder: '400000',
        oninput: (e) => {
          const v = parseFloat(e.target.value);
          draft.vgli_amount = isFinite(v) ? v : null;
        } }),
      t('veteran.survivor.vgli.help')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('veteran.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('survivor', draft); close(); rerender(); },
    }, t('veteran.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ──────────────── Status-specific Benefits guide card ─────────────

  function buildBenefitsGuideCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const status = vetStatus();
    // Map legacy 'yes' to retired-as-default-richest scenario.
    const lookupKey = (status === 'yes') ? 'retired' : status;
    const guide = BENEFITS_BY_STATUS[lookupKey];

    const card = el('div', { class: 'tb-card', 'data-track': 'veteran' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🎖 ' + t('veteran.section.benefits')));

    if (!guide) {
      card.appendChild(el('p', { class: 'tb-card-meta' }, t('veteran.benefits.no_status')));
      return card;
    }

    card.appendChild(el('p', { class: 'tb-card-meta' },
      t('veteran.benefits.intro', { status: lang === 'ja' ? guide.label_jp : guide.label_en })));

    for (const group of guide.groups) {
      card.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-4)', color: 'var(--tb-track-veteran)' } },
        lang === 'ja' ? group.label_jp : group.label_en));
      const list = el('div');
      for (const item of group.items) {
        const itemEl = el('div', {
          style: {
            padding: 'var(--tb-sp-2) var(--tb-sp-3)',
            borderLeft: '3px solid var(--tb-track-veteran)',
            background: 'var(--tb-bg)',
            borderRadius: 'var(--tb-radius-1)',
            marginBottom: 'var(--tb-sp-2)',
          },
        },
          el('div', { style: { fontWeight: '600' } }, item.title),
          el('p', { style: { margin: '4px 0 0', fontSize: 'var(--tb-fs-14)', lineHeight: '1.5' } }, item.body),
          item.jp_en ? el('div', {
            style: { marginTop: '4px', padding: '4px 8px', fontSize: 'var(--tb-fs-12)',
              background: 'rgba(178, 58, 58, 0.06)', borderRadius: 'var(--tb-radius-1)',
              borderLeft: '2px solid var(--tb-error)' },
          }, '🇯🇵 ' + item.jp_en) : null,
          item.ref ? el('div', { style: { marginTop: '4px', fontSize: 'var(--tb-fs-12)' } },
            el('a', { href: item.ref.url, target: '_blank', rel: 'noopener noreferrer',
              style: { color: 'var(--tb-navy)' } }, item.ref.label + ' →')) : null,
        );
        list.appendChild(itemEl);
      }
      card.appendChild(list);
    }

    return card;
  }

  // ──────────────── Japan-specific resources card ────────────────────

  // Each Japan resource has a `showFor` predicate so we don't show
  // TRICARE / FMP / SOFA-VA-interaction content to vets who never
  // qualified for those programs (e.g., separated without disability).
  function buildJapanResourcesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const status = vetStatus();
    const eligibleFmp     = status === 'separated_with_dis' || status === 'retired' || status === 'yes';
    const eligibleTricare = showsHealthcare();
    const eligibleSofaVA  = eligibleFmp || eligibleTricare;

    const card = el('div', { class: 'tb-card', 'data-track': 'veteran' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🇯🇵 ' + t('veteran.section.jp_resources')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('veteran.jp_resources.intro')));

    function resource(title, desc, url) {
      return el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-track-veteran)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)', marginBottom: 'var(--tb-sp-2)' },
      },
        el('div', { style: { fontWeight: '600' } }, title),
        el('div', { class: 'tb-field-help', style: { margin: '4px 0' } }, desc),
        url ? el('a', { href: url, target: '_blank', rel: 'noopener noreferrer',
          style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)' } }, url + ' →') : null,
      );
    }

    // VA Manila — relevant to anyone who might file a VA claim (incl.
    // a future late claim for a separated_no_dis vet reconsidering).
    card.appendChild(resource(
      t('veteran.jp_resources.manila.title'),
      t('veteran.jp_resources.manila.body'),
      'https://www.va.gov/manila-regional-benefit-office/',
    ));

    // FMP — only for vets with VA-rated SC conditions.
    if (eligibleFmp) {
      card.appendChild(resource(
        t('veteran.jp_resources.fmp.title'),
        t('veteran.jp_resources.fmp.body'),
        'https://www.va.gov/COMMUNITYCARE/programs/veterans/FMP/index.asp',
      ));
    }

    // TRICARE Overseas — only for TRICARE-eligible (active / reserve / retired).
    if (eligibleTricare) {
      card.appendChild(resource(
        t('veteran.jp_resources.tricare_overseas.title'),
        t('veteran.jp_resources.tricare_overseas.body'),
        'https://tricare.mil/Plans/HealthPlans/TOP',
      ));
    }

    // VA.gov account — useful for ALL veteran statuses (GI Bill,
    // VA loan, burial, late claim filing, etc.).
    card.appendChild(resource(
      t('veteran.jp_resources.ebenefits.title'),
      t('veteran.jp_resources.ebenefits.body'),
      'https://www.va.gov/',
    ));

    // SOFA + VA interaction — only relevant if the user has TRICARE
    // or FMP eligibility (otherwise the references make no sense).
    if (eligibleSofaVA) {
      card.appendChild(resource(
        t('veteran.jp_resources.sofa.title'),
        t('veteran.jp_resources.sofa.body'),
        null,
      ));
    }

    return card;
  }

  // ──────────────── Helpers ──────────────────────────────────────────

  function stat(label, value, color) {
    return TB.utils.el('div', {
      style: { background: 'var(--tb-bg)', padding: 'var(--tb-sp-3)', borderRadius: 'var(--tb-radius-2)',
        border: '1px solid var(--tb-border)' },
    },
      TB.utils.el('div', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)', marginBottom: '2px' } }, label),
      TB.utils.el('div', { style: { fontWeight: '700', fontSize: 'var(--tb-fs-22)', fontFamily: 'var(--tb-font-mono)',
        color: color || 'var(--tb-text)' } }, value),
    );
  }

  // ====================================================================
  // Action Center generators
  // ====================================================================

  function daysUntil(iso) {
    if (!iso) return Infinity;
    const d = new Date(iso + 'T00:00:00');
    if (isNaN(d.getTime())) return Infinity;
    const t = new Date(); t.setHours(0,0,0,0);
    return Math.round((d - t) / 86400000);
  }

  function genDD214Missing() {
    const out = [];
    const status = vetStatus();
    if (!status || status === 'no' || status === 'active') return out; // not separated yet
    const s = getService();
    if (s.discharge_type === 'dishonorable') return out;
    const inVault = (TB.docVault && TB.docVault.getItems)
      ? TB.docVault.getItems().some((it) => it.type === 'dd214') : false;
    if (inVault) return out;
    out.push({
      id: 'veteran_dd214_missing',
      group: 'veteran', urgency: 'medium', icon: '📋',
      title: 'DD-214 not in your Document Vault',
      body: 'Your DD-214 is the master proof of US military service — required for VA benefits, security clearances, GI Bill claims, VA loans, government employment, and survivor benefits. Add it to the vault so your family can find it.',
      module: 'document-vault', snoozable: true,
    });
    return out;
  }

  function genGiBillExpiring() {
    const out = [];
    const e = getEducation();
    // Skip if no benefit, "none" benefit, or no months left.
    if (!e.benefit_type || e.benefit_type === 'none') return out;
    if (e.months_remaining === 0) return out;
    if (!e.expiration_date) return out;
    const days = daysUntil(e.expiration_date);
    if (days < 0) return out;
    if (days > 365 * 2) return out;
    const urgency = days <= 180 ? 'high' : 'medium';
    out.push({
      id: 'veteran_gibill_expiring',
      group: 'veteran', urgency, icon: '🎓',
      title: 'GI Bill benefits expire ' + e.expiration_date + ' (' + Math.floor(days / 30) + 'mo)',
      body: 'Use it or lose it. Pre-2013 dischargees have a 15-year window from separation. Use the months remaining (' + (e.months_remaining || '?') + ' / 36) on a degree, certificate, or training program — OR transfer to a dependent if eligible.',
      deadline: e.expiration_date, module: 'veteran', snoozable: true,
    });
    return out;
  }

  function genVgliConversion() {
    const out = [];
    const status = vetStatus();
    // VGLI only relevant for separated/retired folks. Active duty
    // and drilling reservists have SGLI, not VGLI.
    if (status === 'no' || status === 'active' || status === 'reserve_ng') return out;
    const s = getService();
    const sb = getSurvivor();
    if (!s.discharge_date) return out;
    if (sb.vgli_amount && sb.vgli_amount > 0) return out; // already converted
    const days = daysUntil(s.discharge_date);
    // VGLI conversion window: 1 year + 120 days from separation. The
    // hard "no medical underwriting" window is 240 days. We surface
    // both phases.
    const daysSinceSep = -days;
    if (daysSinceSep < 0) return out; // not yet separated
    if (daysSinceSep <= 240) {
      out.push({
        id: 'veteran_vgli_easy_window',
        group: 'veteran', urgency: 'critical', icon: '🛡️',
        title: 'VGLI conversion window — ' + (240 - daysSinceSep) + ' days left (no medical questions)',
        body: 'Within 240 days of separation, you can convert SGLI → VGLI without any medical underwriting (up to your SGLI amount, max $400K). After 240 days you still have until day 485 but must answer medical questions and may be denied.',
        module: 'veteran', snoozable: false,
      });
    } else if (daysSinceSep <= 485) {
      out.push({
        id: 'veteran_vgli_late_window',
        group: 'veteran', urgency: 'high', icon: '🛡️',
        title: 'VGLI late window — ' + (485 - daysSinceSep) + ' days left (medical questions required)',
        body: 'You missed the 240-day no-medical window but can still apply for VGLI through day 485. Health questions may result in denial. After day 485 the option is permanently lost.',
        module: 'veteran', snoozable: false,
      });
    }
    return out;
  }

  function genAnnualReevalDue() {
    const out = [];
    if (!showsDisability()) return out;  // skip for separated_no_dis etc.
    const d = getDisability();
    if (!d.last_evaluation_date || !d.overall_rating_pct) return out;
    const days = daysUntil(d.last_evaluation_date);
    const yearsAgo = -days / 365;
    if (yearsAgo > 5 && d.overall_rating_pct < 100 && !d.individual_unemployability) {
      out.push({
        id: 'veteran_reeval_due',
        group: 'veteran', urgency: 'low', icon: '📋',
        title: 'VA disability evaluation is ' + Math.floor(yearsAgo) + ' years old',
        body: 'If your service-connected conditions have worsened, file for an increase. The VA can also schedule re-examinations on its own — keep records of all medical visits in your Document Vault for the next claim.',
        module: 'veteran', snoozable: true,
      });
    }
    return out;
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = { id, label_en: 'Veteran', label_jp: '退役軍人', render, searchSections: SECTIONS };

  window.TB.veteran = {
    actionGenerators: [genDD214Missing, genGiBillExpiring, genVgliConversion, genAnnualReevalDue],
    BRANCHES, COMPONENTS, DISCHARGE_TYPES, TRICARE_PLANS, EDUCATION_BENEFITS,
  };
})();

</script>
  <script data-source="scripts/modules/resident.js">
/* Taigan Bridge — modules/resident.js
 *
 * Long-Term Resident module — for non-SOFA Americans who are Japanese
 * tax residents. Surfaces the JP-side topics that don't fit cleanly
 * into the SOFA-focused Roth Planner: 確定申告 prep, the 10-year
 * worldwide-asset clock, 永住権 (PR) eligibility, Furusato Nozei
 * limit calculation, 住宅ローン控除 (mortgage credit), NHI awareness.
 *
 * Action Center integration via TB.resident.actionGenerators —
 * watches for: 確定申告 deadline (Feb 16 - Mar 15), PR eligibility
 * year reached, 10-year worldwide-asset clock approaching, NHI not
 * configured but JP resident, Furusato Nozei deadline (Dec 31).
 */

(function () {
  'use strict';

  const id = 'resident';

  // ====================================================================
  // Reference data
  // ====================================================================

  // Japan visa categories that affect PR eligibility timing.
  // Standard PR requires 10y residence; reduced for spouse, HSP, etc.
  const VISA_STATUSES = [
    { id: 'work',         label_en: 'Work visa (Engineer/Specialist/etc.)', label_jp: '就労ビザ',
      pr_years: 10, notes: 'Standard 10-year track to PR.' },
    { id: 'spouse_jp',    label_en: 'Spouse of Japanese national', label_jp: '日本人の配偶者等',
      pr_years: 3,  notes: 'Reduced to 3 years residency + 1 year continuous.' },
    { id: 'long_term',    label_en: 'Long-Term Resident (定住者)', label_jp: '定住者',
      pr_years: 5,  notes: '5-year track once status held.' },
    { id: 'highly_skilled', label_en: 'Highly Skilled Professional (高度専門職)', label_jp: '高度専門職',
      pr_years: 1,  notes: 'Fast-track PR: 80+ HSP points = 1 year, 70-79 points = 3 years.' },
    { id: 'permanent',    label_en: 'Already Permanent Resident',  label_jp: '永住者(取得済み)',
      pr_years: 0,  notes: 'PR already granted.' },
    { id: 'cultural',     label_en: 'Cultural / Student / other', label_jp: '文化・留学・その他',
      pr_years: 10, notes: 'Long path; 10y standard with continuous status.' },
    { id: 'other',        label_en: 'Other / Not sure',           label_jp: 'その他・不明',
      pr_years: 10, notes: '' },
  ];

  // Furusato Nozei limit estimator. The official formula is complex
  // (depends on resident tax + income tax brackets); this is the
  // commonly-cited approximation used by furusato-tax.jp and similar
  // calculators. Within ~5% accuracy for typical incomes. The user
  // can override with a manual figure.
  // Limit = (resident tax × 0.20) ÷ (1 − income_tax_rate − 0.10) + 2000
  // Simplified for our use: roughly 2% of income for moderate earners.
  function estimateFurusatoLimit(incomeJpy, dependents) {
    if (!incomeJpy || incomeJpy <= 0) return 0;
    // Rough lookup table (¥M income → annual limit in ¥). Single
    // filer, no dependents. Each dependent reduces by ~10%.
    // Source: cross-reference of major Japanese furusato calculators.
    let limit;
    if (incomeJpy <  3_000_000) limit = incomeJpy * 0.018;
    else if (incomeJpy <  5_000_000) limit = incomeJpy * 0.022;
    else if (incomeJpy <  8_000_000) limit = incomeJpy * 0.025;
    else if (incomeJpy < 12_000_000) limit = incomeJpy * 0.028;
    else if (incomeJpy < 20_000_000) limit = incomeJpy * 0.030;
    else                              limit = incomeJpy * 0.032;
    if (dependents > 0) limit *= Math.max(0.5, 1 - dependents * 0.08);
    return Math.round(limit / 1000) * 1000; // round to nearest ¥1K
  }

  // Mortgage credit (住宅ローン控除) estimator. The deduction is
  // 0.7% of year-end loan balance, capped at varying amounts based
  // on property type and acquisition year. Standard 2024 caps:
  //   Standard new construction: ¥3,000,000 loan × 0.7% = ¥21,000/yr
  //   Long-term excellent housing: ¥4,500,000 × 0.7% = ¥31,500/yr
  //   Energy-efficient (省エネ): ¥4,000,000 × 0.7% = ¥28,000/yr
  // Actually the loan caps are MUCH higher (¥30M-¥50M); the credit
  // is 0.7% on the loan balance up to those caps.
  const MORTGAGE_CAPS = {
    standard:         { loan_cap_jpy: 30_000_000, label_en: 'Standard new construction', label_jp: '一般住宅(新築)' },
    long_term:        { loan_cap_jpy: 45_000_000, label_en: 'Long-term excellent housing (長期優良住宅)', label_jp: '長期優良住宅' },
    energy_efficient: { loan_cap_jpy: 40_000_000, label_en: 'Energy-efficient (省エネ住宅)', label_jp: '省エネ住宅' },
  };

  function estimateMortgageCredit(balanceJpy, type) {
    if (!balanceJpy || balanceJpy <= 0) return 0;
    const cap = MORTGAGE_CAPS[type] || MORTGAGE_CAPS.standard;
    const taxable = Math.min(balanceJpy, cap.loan_cap_jpy);
    return Math.round(taxable * 0.007);
  }

  // ====================================================================
  // State accessors
  // ====================================================================

  function getResident()  { return TB.state.get('resident') || {}; }
  function getResidency() { return getResident().residency || {}; }
  function getFurusato()  { return getResident().furusato || {}; }
  function getMortgage()  { return getResident().mortgage || {}; }
  function getNhi()       { return getResident().nhi || {}; }
  function setSection(section, value) {
    const r = getResident();
    r[section] = value;
    TB.state.set('resident', r);
  }

  // ── Onboarding-derived residency defaults ────────────────────────
  //
  // Onboarding captures coarse versions of three residency fields:
  //   visa_status     →  residency.visa_status
  //   juminhyou       →  residency.juminhyo_status (yes/no/unsure)
  //   years_in_japan  →  approximate "years ago" (no exact date)
  //
  // We don't write these to residency state — instead we merge them
  // for display so the user sees populated data immediately after
  // onboarding without an extra Edit step. Explicit residency edits
  // override the onboarding-derived values; saving in the modal
  // promotes derived values into explicit state.
  function getOnboardingDerivedResidency() {
    const a = TB.state.get('onboarding.answers') || {};
    const out = {};
    // Map onboarding visa categories to this card's VISA_STATUSES.
    // SOFA users default to 'other' since the SOFA→PR path isn't
    // tracked here (they typically transition to a different visa
    // first). Highly-skilled / cultural categories aren't surfaced
    // in onboarding — user picks those manually if applicable.
    const visaMap = {
      sofa:       'other',
      spouse_jp:  'spouse_jp',
      work:       'work',
      permanent:  'permanent',
      long_term:  'long_term',
      other:      'other',
    };
    if (a.visa_status && visaMap[a.visa_status]) {
      out.visa_status = visaMap[a.visa_status];
    }
    if (a.visa_status === 'permanent') out.permanent_residency = true;
    if (a.juminhyou) out.juminhyo_status = a.juminhyou;
    return out;
  }

  // Merged view: explicit residency wins; falls back to onboarding-
  // derived defaults. Use this for display + modal prefill.
  function getResidencyView() {
    const explicit = getResidency();
    const derived = getOnboardingDerivedResidency();
    const merged = Object.assign({}, derived);
    Object.keys(explicit).forEach((k) => {
      if (explicit[k] != null && explicit[k] !== '') merged[k] = explicit[k];
    });
    return merged;
  }

  // Was this field surfaced from onboarding rather than explicit input?
  // Drives the "from onboarding" badge in the residency card.
  function isFromOnboarding(field) {
    const explicit = getResidency();
    const derived = getOnboardingDerivedResidency();
    return (explicit[field] == null || explicit[field] === '')
      && derived[field] != null;
  }

  // Years in Japan based on arrival_date (preferred) or
  // onboarding.years_in_japan (fallback bucket).
  function yearsInJapan() {
    const arrival = getResidency().arrival_date;
    if (arrival) {
      const days = (new Date() - new Date(arrival + 'T00:00:00')) / 86400000;
      return Math.floor(days / 365.25);
    }
    const bucket = TB.state.get('onboarding.answers.years_in_japan');
    if (bucket === 'under_1') return 0;
    if (bucket === '1_to_5') return 3;
    if (bucket === '5_to_10') return 7;
    if (bucket === 'over_10') return 12;
    return null;
  }

  function visaSpec(visaId) {
    const v = visaId != null ? visaId : getResidencyView().visa_status;
    return VISA_STATUSES.find((s) => s.id === v) || null;
  }

  // Days until 10-year worldwide-asset inheritance tax clock — the
  // year-10 anniversary of arrival in Japan is when JP inheritance
  // tax expands from JP-situs assets only to worldwide assets for
  // foreign nationals. Returns { years: int, days: int } or null.
  function tenYearClock() {
    const arrival = getResidency().arrival_date;
    if (!arrival) return null;
    const tenYearMark = new Date(arrival + 'T00:00:00');
    tenYearMark.setFullYear(tenYearMark.getFullYear() + 10);
    const today = new Date(); today.setHours(0,0,0,0);
    const days = Math.round((tenYearMark - today) / 86400000);
    const years = days / 365.25;
    return { date: tenYearMark.toISOString().slice(0, 10), days, years };
  }

  // PR eligibility year based on visa + arrival.
  function prEligibilityDate() {
    const arrival = getResidency().arrival_date;
    const spec = visaSpec();
    if (!arrival || !spec || spec.pr_years === 0) return null;
    const eligDate = new Date(arrival + 'T00:00:00');
    eligDate.setFullYear(eligDate.getFullYear() + spec.pr_years);
    const today = new Date(); today.setHours(0,0,0,0);
    return {
      date: eligDate.toISOString().slice(0, 10),
      days: Math.round((eligDate - today) / 86400000),
      already_eligible: eligDate <= today,
    };
  }

  // ====================================================================
  // Module render
  // ====================================================================

  // Predicates for auto-show (used by section registry).
  //
  // hasJpResidency: true if the user has any time-on-the-ground in
  // Japan. Used for general residency-aware sections (PR tracker,
  // 10-year clock, etc.).
  function hasJpResidency() {
    const r = getResidency();
    if (r.arrival_date) return true;
    const a = TB.state.get('onboarding.answers') || {};
    return a.years_in_japan && a.years_in_japan !== 'na';
  }

  // hasJpPersonalTaxFiling: stricter — true only if the user themself
  // files JP-side personal returns (確定申告, 住民税). SOFA contractors
  // and US-only filers return false even with years on the ground.
  // Honors the Tax Coordinator's jp_filing_responsibility picker so
  // a user with a spouse who handles JP filings won't see the 確定申告
  // / ふるさと納税 / 住宅ローン控除 sections by default.
  function hasJpPersonalTaxFiling() {
    if (!hasJpResidency()) return false;
    const a = TB.state.get('onboarding.answers') || {};
    if (a.tax_status === 'sofa_no_file' || a.tax_status === 'us_only') return false;
    // Cross-check the Tax Coordinator's setting if present.
    const coord = TB.state.get('tax_coordinator') || {};
    const stored = coord.jp_filing_responsibility;
    if (stored === 'self') return true;
    if (stored === 'spouse' || stored === 'na') return false;
    // 'auto' / unset → derive from onboarding answers.
    if (a.tax_status === 'japan_resident' || a.tax_status === 'japan_filer') return true;
    // Conservative default: time on ground but tax_status unset =>
    // probably files (was the legacy behavior).
    return true;
  }

  // hasJpHealthcareEnrollment: NHI is independent of tax filing
  // responsibility — even SOFA contractors' spouses enroll in NHI/SHI.
  // But SOFA contractors themselves are exempt from NHI under SOFA
  // Article 9 (typically use TRICARE / private intl insurance instead).
  // Surface only when the USER personally would enroll.
  function hasJpHealthcareEnrollmentForUser() {
    if (!hasJpResidency()) return false;
    const a = TB.state.get('onboarding.answers') || {};
    if (a.tax_status === 'sofa_no_file') return false;  // SOFA exempts user
    return true;
  }

  const SECTIONS = [
    { id: 'header',     always: true, builder: () => buildHeaderCard() },
    {
      id: 'residency',
      label_en: 'Residency status',
      label_jp: '居住ステータス',
      description_en: 'Arrival date, visa, 住民票 status (auto-pulled from onboarding).',
      description_jp: '来日日・在留資格・住民票(オンボーディングから自動取得)。',
      auto_show: () => true,
      builder: () => buildResidencyCard(),
    },
    {
      id: 'pr_tracker',
      label_en: '永住権 tracker',
      label_jp: '永住権トラッカー',
      description_en: 'PR eligibility countdown based on visa type and years in Japan.',
      description_jp: 'ビザ種別と日本居住年数に基づく永住権資格カウントダウン。',
      auto_show: hasJpResidency,
      builder: () => buildPrTrackerCard(),
    },
    {
      id: 'tenyear',
      label_en: '10-year worldwide-asset clock',
      label_jp: '10 年全世界資産時計',
      description_en: 'When JP inheritance tax expands from JP-situs to worldwide.',
      description_jp: '日本相続税が日本所在地から全世界に拡大するタイミング。',
      auto_show: hasJpResidency,
      builder: () => buildTenYearClockCard(),
    },
    {
      id: 'kakutei',
      label_en: '確定申告 prep checklist',
      label_jp: '確定申告準備チェックリスト',
      description_en: 'Documents + deadline + window for Japan annual tax return. Hidden by default for SOFA contractors and households where a spouse handles JP filings.',
      description_jp: '日本年次税務申告の書類・期限・受付期間。SOFA 契約者および配偶者が日本側を担当する世帯ではデフォルト非表示。',
      auto_show: hasJpPersonalTaxFiling,
      builder: () => buildKakuteiShinkokuCard(),
    },
    {
      id: 'furusato',
      label_en: 'Furusato Nozei calculator',
      label_jp: 'ふるさと納税計算機',
      description_en: 'Limit estimator + planned-donation tracking. Hidden by default for SOFA contractors (no JP income tax = no ふるさと納税 benefit) and spouse-handled households.',
      description_jp: '限度額試算と予定寄附額追跡。SOFA 契約者(日本所得税なし=ふるさと納税のメリットなし)および配偶者対応世帯ではデフォルト非表示。',
      auto_show: hasJpPersonalTaxFiling,
      builder: () => buildFurusatoCard(),
    },
    {
      id: 'mortgage',
      label_en: '住宅ローン控除',
      label_jp: '住宅ローン控除',
      description_en: 'Mortgage tax credit (0.7% × balance × 13y). Requires JP income tax to credit against — hidden by default for SOFA contractors.',
      description_jp: '住宅ローン控除(残高 × 0.7% × 13 年)。控除対象の日本所得税が必要のため、SOFA 契約者ではデフォルト非表示。',
      auto_show: hasJpPersonalTaxFiling,
      builder: () => buildMortgageCard(),
    },
    {
      id: 'nhi',
      label_en: 'NHI awareness',
      label_jp: '国民健康保険',
      description_en: 'National Health Insurance enrollment timing. SOFA contractors are exempt under Article 9 — hidden by default.',
      description_jp: '国民健康保険加入タイミング。SOFA 契約者は SOFA 第9条により適用除外のためデフォルト非表示。',
      auto_show: hasJpHealthcareEnrollmentForUser,
      builder: () => buildNhiCard(),
    },
    { id: 'resources', always: true, builder: () => buildResourcesCard() },
  ];

  let host = null;
  let listenerSet = false;

  function render(container) {
    host = container;
    if (!listenerSet) {
      TB.customize.onChange(id, () => rerender());
      listenerSet = true;
    }
    container.innerHTML = '';
    SECTIONS.forEach((s) => {
      if (s.always || TB.customize.isSectionEnabled(id, s.id, s.auto_show)) {
        container.appendChild(s.builder());
      }
    });
    container.appendChild(TB.customize.buildPanel(id, SECTIONS));
  }
  function rerender() { if (host) render(host); }

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    return el('div', { class: 'tb-card', 'data-track': 'resident' },
      el('div', { class: 'tb-card-meta' },
        el('span', { class: 'tb-badge tb-badge--track', 'data-track': 'resident' },
          t('resident.badge')),
      ),
      el('h1', null, '🏠 ' + t('resident.title')),
      el('p', { class: 'tb-card-meta' }, t('resident.subtitle')),
    );
  }

  // ─── Residency status card ─────────────────────────────────────────

  function buildResidencyCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const r = getResidencyView();
    const a = TB.state.get('onboarding.answers') || {};
    const yrsBucket = a.years_in_japan;

    const card = el('div', { class: 'tb-card', 'data-track': 'resident' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, t('resident.section.residency')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openResidencyModal() }, '✎ ' + t('resident.edit')),
    ));

    // Truly empty only if we have nothing from either onboarding OR
    // explicit edits. With onboarding visible to this card, this
    // branch is rare (skipped onboarding + never edited).
    const hasAny = r.arrival_date || r.juminhyo_date || r.juminhyo_status
      || r.visa_status || r.permanent_residency || r.pr_application_filed
      || (yrsBucket && yrsBucket !== 'na');
    if (!hasAny) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('resident.residency.empty')));
      return card;
    }

    const dl = el('dl', { class: 'tb-dl' });
    function row(label, val, fromOnboarding) {
      dl.appendChild(el('dt', null, label));
      const dd = el('dd', null);
      if (typeof val === 'string' || typeof val === 'number') {
        dd.appendChild(document.createTextNode(String(val || '—')));
      } else if (val) {
        dd.appendChild(val);
      } else {
        dd.appendChild(document.createTextNode('—'));
      }
      if (fromOnboarding) {
        dd.appendChild(el('span', {
          style: {
            marginLeft: '6px', padding: '1px 6px', fontSize: 'var(--tb-fs-12)',
            color: 'var(--tb-text-soft)', border: '1px solid var(--tb-border)',
            borderRadius: 'var(--tb-radius-pill)', background: 'var(--tb-bg)',
          },
        }, t('resident.from_onboarding')));
      }
      dl.appendChild(dd);
    }

    // Arrival — explicit date if present, else approximate from
    // years-in-Japan bucket (with a "from onboarding" badge).
    if (r.arrival_date) {
      const yrs = yearsInJapan();
      row(t('resident.field.arrival'),
        r.arrival_date + (yrs != null ? ' (' + yrs + 'y ago)' : ''), false);
    } else if (yrsBucket && yrsBucket !== 'na') {
      const yrs = yearsInJapan();
      row(t('resident.field.arrival'),
        '~' + yrs + 'y ' + t('resident.years_ago_approx'), true);
    }

    // 住民票 — explicit registration date if present, else status word
    // (yes/no/unsure) from onboarding.
    if (r.juminhyo_date) {
      row(t('resident.field.juminhyo'), r.juminhyo_date, false);
    } else if (r.juminhyo_status) {
      row(t('resident.field.juminhyo'),
        t('resident.juminhyo.' + r.juminhyo_status) || r.juminhyo_status,
        isFromOnboarding('juminhyo_status'));
    }

    const v = visaSpec(r.visa_status);
    if (v) {
      row(t('resident.field.visa'),
        lang === 'ja' ? v.label_jp : v.label_en,
        isFromOnboarding('visa_status'));
    }

    if (r.permanent_residency) {
      row(t('resident.field.pr_status'),
        el('span', { class: 'tb-badge', style: { background: 'var(--tb-success)', color: '#fff' } },
          '✓ ' + t('resident.pr.granted')),
        isFromOnboarding('permanent_residency'));
    } else if (r.pr_application_filed) {
      row(t('resident.field.pr_status'),
        el('span', { class: 'tb-badge', style: { background: 'var(--tb-warn)', color: '#fff' } },
          t('resident.pr.pending', { date: r.pr_application_filed })));
    }
    card.appendChild(dl);
    return card;
  }

  function openResidencyModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    // Prefill draft from merged view (explicit + onboarding-derived)
    // so the user sees their onboarding answers pre-filled rather
    // than having to re-enter them. Saving promotes any derived
    // values into explicit residency state.
    const draft = Object.assign({}, getResidencyView());
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('resident.modal.residency')));

    // Show a small note when any field is being prefilled from
    // onboarding so the user understands where the values came from.
    const onbFields = ['visa_status', 'juminhyo_status', 'permanent_residency'];
    const anyFromOnb = onbFields.some(isFromOnboarding);
    if (anyFromOnb) {
      modal.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderLeft: '3px solid var(--tb-track-resident)',
          borderRadius: 'var(--tb-radius-1)', marginBottom: 'var(--tb-sp-3)',
          fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)',
        },
      }, 'ℹ ' + t('resident.modal.from_onboarding_note')));
    }

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    modal.appendChild(field(t('resident.field.arrival'),
      el('input', { type: 'date', class: 'tb-input',
        value: draft.arrival_date || '',
        oninput: (e) => { draft.arrival_date = e.target.value || null; } }),
      t('resident.field.arrival.help')));

    // 住民票 status — quick yes/no/unsure (from onboarding) for users
    // who don't know the exact registration date. Date field below
    // is optional and overrides the status when set.
    const statusRow = el('div', { style: { display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-3)' } },
      ...['yes', 'no', 'unsure'].map((v) => {
        const radio = el('input', {
          type: 'radio', name: 'tb-juminhyo-status', value: v,
          checked: draft.juminhyo_status === v,
          onchange: () => { draft.juminhyo_status = v; },
        });
        return el('label', { style: { display: 'inline-flex', alignItems: 'center', gap: '6px', cursor: 'pointer' } },
          radio,
          el('span', null, t('resident.juminhyo.' + v)),
        );
      }),
    );
    modal.appendChild(field(t('resident.field.juminhyo_status'), statusRow,
      t('resident.field.juminhyo_status.help')));

    modal.appendChild(field(t('resident.field.juminhyo'),
      el('input', { type: 'date', class: 'tb-input',
        value: draft.juminhyo_date || '',
        oninput: (e) => { draft.juminhyo_date = e.target.value || null; } }),
      t('resident.field.juminhyo.help')));

    const visaSel = el('select', { class: 'tb-select',
      onchange: (e) => { draft.visa_status = e.target.value || null; } },
      el('option', { value: '', selected: !draft.visa_status }, '—'),
      ...VISA_STATUSES.map((v) => el('option', {
        value: v.id, selected: draft.visa_status === v.id,
      }, lang === 'ja' ? v.label_jp : v.label_en)),
    );
    modal.appendChild(field(t('resident.field.visa'), visaSel));

    const prCheck = el('input', { type: 'checkbox', checked: !!draft.permanent_residency,
      style: { marginRight: '8px' },
      onchange: (e) => { draft.permanent_residency = !!e.target.checked; } });
    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
        prCheck, t('resident.field.pr_granted')),
    ));

    modal.appendChild(field(t('resident.field.pr_filed'),
      el('input', { type: 'date', class: 'tb-input',
        value: draft.pr_application_filed || '',
        oninput: (e) => { draft.pr_application_filed = e.target.value || null; } }),
      t('resident.field.pr_filed.help')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('resident.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('residency', draft); close(); rerender(); },
    }, t('resident.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── PR eligibility tracker ───────────────────────────────────────

  function buildPrTrackerCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const r = getResidency();
    const v = visaSpec();
    const elig = prEligibilityDate();

    const card = el('div', { class: 'tb-card', 'data-track': 'resident' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🇯🇵 ' + t('resident.section.pr')));

    if (r.permanent_residency) {
      card.appendChild(el('p', null, '✓ ' + t('resident.pr.already_granted')));
      return card;
    }
    if (!r.arrival_date || !v || v.pr_years === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('resident.pr.empty')));
      return card;
    }

    const yrs = yearsInJapan();
    const eligible = elig.already_eligible;
    const yearsRemaining = elig.days / 365.25;
    const progress = Math.min(100, Math.max(0, ((v.pr_years - yearsRemaining) / v.pr_years) * 100));

    // Big progress display
    const wrap = el('div', { style: { padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)' } });
    wrap.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('div', null,
        el('div', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)' } },
          t('resident.pr.path') + ': ' + (lang === 'ja' ? v.label_jp : v.label_en)),
        el('div', { style: { fontSize: 'var(--tb-fs-22)', fontWeight: '700' } },
          eligible ? '✓ ' + t('resident.pr.now_eligible') :
                     (Math.floor(yearsRemaining) + 'y ' + Math.round((yearsRemaining % 1) * 12) + 'mo')),
      ),
      el('div', { style: { textAlign: 'right' } },
        el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700' } }, elig.date),
        el('div', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)' } },
          v.pr_years + 'y ' + t('resident.pr.required')),
      ),
    ));
    // Progress bar
    wrap.appendChild(el('div', {
      style: { marginTop: 'var(--tb-sp-2)', height: '10px', background: 'var(--tb-border)',
        borderRadius: 'var(--tb-radius-pill)', overflow: 'hidden' },
    },
      el('div', {
        style: { height: '100%',
          width: progress.toFixed(1) + '%',
          background: eligible ? 'var(--tb-success)' : 'var(--tb-track-resident)',
          transition: 'width var(--tb-motion-base) var(--tb-ease)' },
      }),
    ));
    if (v.notes) {
      wrap.appendChild(el('div', { style: { marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' } },
        v.notes));
    }
    card.appendChild(wrap);

    // PR application status
    if (eligible && !r.pr_application_filed) {
      card.appendChild(el('div', {
        style: { marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-success)', background: 'rgba(47, 111, 78, 0.06)',
          borderRadius: 'var(--tb-radius-1)', fontSize: 'var(--tb-fs-12)' },
      }, '✓ ' + t('resident.pr.eligible_apply')));
    }

    // Reference link
    card.appendChild(el('div', { style: { marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' } },
      t('resident.pr.reference') + ' ',
      el('a', { href: 'https://www.moj.go.jp/isa/applications/procedures/16-4.html', target: '_blank', rel: 'noopener noreferrer',
        style: { color: 'var(--tb-navy)' } }, 'moj.go.jp'),
    ));
    return card;
  }

  // ─── 10-year worldwide-asset clock ─────────────────────────────────

  function buildTenYearClockCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const r = getResidency();
    const clock = tenYearClock();

    const card = el('div', { class: 'tb-card', 'data-track': 'resident' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '⏳ ' + t('resident.section.tenyear')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('resident.tenyear.intro')));

    if (!r.arrival_date) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('resident.tenyear.empty')));
      return card;
    }

    const past = clock.days < 0;
    const yearsIn = -clock.days / 365.25 + 10;
    const wrap = el('div', { style: { padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
      borderRadius: 'var(--tb-radius-2)', borderLeft: '4px solid ' +
        (past ? 'var(--tb-error)' : clock.days < 365 * 2 ? 'var(--tb-warn)' : 'var(--tb-success)') } });

    if (past) {
      wrap.appendChild(el('div', { style: { fontSize: 'var(--tb-fs-22)', fontWeight: '700', color: 'var(--tb-error)' } },
        '⚠ ' + t('resident.tenyear.past', { years: Math.floor(yearsIn) })));
      wrap.appendChild(el('p', { style: { margin: 'var(--tb-sp-2) 0 0' } }, t('resident.tenyear.past.body')));
    } else {
      const yrs = clock.days / 365.25;
      const yLabel = Math.floor(yrs) + 'y ' + Math.round((yrs % 1) * 12) + 'mo';
      wrap.appendChild(el('div', { style: { fontSize: 'var(--tb-fs-22)', fontWeight: '700' } },
        yLabel + ' ' + t('resident.tenyear.until')));
      wrap.appendChild(el('div', { style: { color: 'var(--tb-text-soft)', fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)', marginTop: '4px' } },
        t('resident.tenyear.date') + ': ' + clock.date));
      wrap.appendChild(el('p', { style: { margin: 'var(--tb-sp-2) 0 0' } }, t('resident.tenyear.future.body')));
    }
    card.appendChild(wrap);

    // Cross-link to inheritance tax mitigation in Projections.
    card.appendChild(el('div', { style: { marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)' } },
      el('a', { href: '#', style: { color: 'var(--tb-navy)' },
        onclick: (e) => {
          e.preventDefault();
          try { TB.state.set('projections.ui_state.active_tab', 'tax_strategy'); } catch (err) {}
          document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'projections' } }));
        },
      }, '↗ ' + t('resident.tenyear.see_strategies')),
    ));

    return card;
  }

  // ─── 確定申告 prep checklist card ─────────────────────────────────

  function buildKakuteiShinkokuCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'resident' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🧾 ' + t('resident.section.kakutei')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('resident.kakutei.intro')));

    // Deadline countdown
    const today = new Date();
    const year = today.getUTCFullYear();
    const deadline = new Date(year + '-03-15T00:00:00');
    if (today > deadline) deadline.setUTCFullYear(year + 1);
    const days = Math.round((deadline - today) / 86400000);
    const monthOpen = new Date(deadline.getUTCFullYear() + '-02-16T00:00:00');
    const inWindow = today >= monthOpen && today <= deadline;
    const color = days <= 14 ? 'var(--tb-error)' : days <= 45 ? 'var(--tb-warn)' : 'var(--tb-text-soft)';

    card.appendChild(el('div', {
      style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid ' + color,
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)', marginBottom: 'var(--tb-sp-3)' },
    },
      el('div', { style: { fontWeight: '600', color } },
        inWindow
          ? '🔴 ' + t('resident.kakutei.window_open', { days })
          : t('resident.kakutei.next_deadline', { date: deadline.toISOString().slice(0,10), days })),
      el('div', { class: 'tb-field-help', style: { marginTop: '4px' } }, t('resident.kakutei.window_help')),
    ));

    // Checklist of things to gather
    card.appendChild(el('h3', null, t('resident.kakutei.checklist')));
    const items = [
      { en: '源泉徴収票 (year-end employment income statement) from each Japanese employer', jp: '各日本の雇用主からの源泉徴収票' },
      { en: 'US W-2 / 1099 forms — JP residents must report worldwide income', jp: '米国 W-2・1099 — 日本居住者は全世界所得を申告' },
      { en: 'US tax return for prior year (for FTC calculation)', jp: '前年の米国納税申告書(外国税額控除計算用)' },
      { en: 'Receipts for medical expenses >¥100,000 (医療費控除)', jp: '医療費 ¥10万超の領収書(医療費控除)' },
      { en: 'Furusato Nozei donation receipts (寄附金受領証明書)', jp: 'ふるさと納税の寄附金受領証明書' },
      { en: 'Mortgage balance certificate from bank (年末残高証明書) — for 住宅ローン控除', jp: '銀行の年末残高証明書 — 住宅ローン控除用' },
      { en: 'Life / earthquake insurance premium statements', jp: '生命保険・地震保険料の控除証明書' },
      { en: 'iDeCo / 小規模企業共済 contribution statements (if applicable + non-US-person)', jp: 'iDeCo・小規模企業共済の掛金証明書' },
      { en: 'Securities account 特定口座 annual reports (年間取引報告書)', jp: '特定口座の年間取引報告書' },
      { en: 'Foreign-source income documentation (for non-permanent residents only — 5-year rule)', jp: '海外源泉所得の証憑(非永住者のみ — 5年ルール)' },
    ];
    const list = el('ul', { style: { paddingLeft: '20px', margin: 0 } });
    items.forEach((it) => {
      list.appendChild(el('li', { style: { marginBottom: '6px' } },
        TB.i18n.getLang() === 'ja' ? it.jp : it.en));
    });
    card.appendChild(list);

    card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-3)' } },
      t('resident.kakutei.us_person_note')));

    return card;
  }

  // ─── Furusato Nozei calculator card ──────────────────────────────

  function buildFurusatoCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const f = getFurusato();

    const card = el('div', { class: 'tb-card', 'data-track': 'resident' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '💴 ' + t('resident.section.furusato')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openFurusatoModal() }, '✎ ' + t('resident.edit')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('resident.furusato.intro')));

    const limit = estimateFurusatoLimit(f.prior_year_income_jpy, f.prior_year_dependents || 0);
    const planned = f.donations_planned_jpy || 0;

    if (!f.prior_year_income_jpy) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('resident.furusato.empty')));
    } else {
      card.appendChild(el('div', {
        style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(180px, 1fr))', gap: 'var(--tb-sp-3)' },
      },
        statBadge(t('resident.furusato.estimated_limit'), '¥' + limit.toLocaleString()),
        statBadge(t('resident.furusato.planned'), '¥' + planned.toLocaleString(),
          planned > limit ? 'var(--tb-error)' : null),
        statBadge(t('resident.furusato.headroom'), '¥' + Math.max(0, limit - planned).toLocaleString(),
          (limit - planned) <= 0 ? 'var(--tb-error)' : 'var(--tb-success)'),
      ));
      if (planned > limit) {
        card.appendChild(el('div', {
          style: { marginTop: 'var(--tb-sp-2)', padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-error)',
            background: 'rgba(178, 58, 58, 0.08)', borderRadius: 'var(--tb-radius-1)', fontSize: 'var(--tb-fs-12)' },
        }, '⚠ ' + t('resident.furusato.over_limit')));
      }
    }

    card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-3)' } },
      t('resident.furusato.estimate_note') + ' ',
      el('a', { href: 'https://www.furusato-tax.jp/about/simulation', target: '_blank', rel: 'noopener noreferrer',
        style: { color: 'var(--tb-navy)' } }, 'furusato-tax.jp ' + t('resident.furusato.calculator') + ' →'),
    ));
    return card;
  }

  function openFurusatoModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({}, getFurusato());
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('resident.modal.furusato')));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }
    modal.appendChild(field(t('resident.furusato.prior_income'),
      el('input', { type: 'number', class: 'tb-input', step: '100000', min: '0',
        value: draft.prior_year_income_jpy != null ? draft.prior_year_income_jpy : '',
        placeholder: '8000000',
        oninput: (e) => {
          const v = parseFloat(e.target.value);
          draft.prior_year_income_jpy = isFinite(v) ? v : null;
        } }),
      t('resident.furusato.prior_income.help')));

    modal.appendChild(field(t('resident.furusato.dependents'),
      el('input', { type: 'number', class: 'tb-input', min: '0', max: '10',
        value: draft.prior_year_dependents || 0,
        oninput: (e) => {
          const v = parseInt(e.target.value, 10);
          draft.prior_year_dependents = isFinite(v) ? Math.max(0, v) : 0;
        } }),
      t('resident.furusato.dependents.help')));

    modal.appendChild(field(t('resident.furusato.donations_planned'),
      el('input', { type: 'number', class: 'tb-input', step: '1000', min: '0',
        value: draft.donations_planned_jpy || 0,
        oninput: (e) => {
          const v = parseFloat(e.target.value);
          draft.donations_planned_jpy = isFinite(v) ? v : 0;
        } }),
      t('resident.furusato.donations_planned.help')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('resident.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('furusato', draft); close(); rerender(); } }, t('resident.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Mortgage credit card ──────────────────────────────────────────

  function buildMortgageCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const m = getMortgage();

    const card = el('div', { class: 'tb-card', 'data-track': 'resident' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🏘 ' + t('resident.section.mortgage')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openMortgageModal() }, '✎ ' + t('resident.edit')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('resident.mortgage.intro')));

    if (!m.has_jp_mortgage) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('resident.mortgage.empty')));
      return card;
    }

    const credit = estimateMortgageCredit(m.loan_balance_jpy, m.loan_type);
    const yearsRemaining = m.purchase_year ? Math.max(0, 13 - (new Date().getUTCFullYear() - m.purchase_year)) : null;
    const typeMeta = MORTGAGE_CAPS[m.loan_type] || MORTGAGE_CAPS.standard;

    card.appendChild(el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(160px, 1fr))', gap: 'var(--tb-sp-3)' },
    },
      statBadge(t('resident.mortgage.annual_credit'), '¥' + credit.toLocaleString()),
      statBadge(t('resident.mortgage.years_remaining'),
        yearsRemaining != null ? yearsRemaining + ' / 13y' : '—'),
      statBadge(t('resident.mortgage.type'),
        lang === 'ja' ? typeMeta.label_jp : typeMeta.label_en),
    ));

    card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-3)' } },
      t('resident.mortgage.note')));
    return card;
  }

  function openMortgageModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({}, getMortgage());
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('resident.modal.mortgage')));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    const hasCheck = el('input', { type: 'checkbox', checked: !!draft.has_jp_mortgage,
      style: { marginRight: '8px' },
      onchange: (e) => { draft.has_jp_mortgage = !!e.target.checked; } });
    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
        hasCheck, t('resident.mortgage.has')),
    ));

    modal.appendChild(field(t('resident.mortgage.purchase_year'),
      el('input', { type: 'number', class: 'tb-input', min: '1990', max: '2050',
        value: draft.purchase_year || '',
        placeholder: '2024',
        oninput: (e) => {
          const v = parseInt(e.target.value, 10);
          draft.purchase_year = isFinite(v) ? v : null;
        } })));

    modal.appendChild(field(t('resident.mortgage.loan_balance'),
      el('input', { type: 'number', class: 'tb-input', step: '100000', min: '0',
        value: draft.loan_balance_jpy || '',
        placeholder: '30000000',
        oninput: (e) => {
          const v = parseFloat(e.target.value);
          draft.loan_balance_jpy = isFinite(v) ? v : null;
        } }),
      t('resident.mortgage.loan_balance.help')));

    const typeSel = el('select', { class: 'tb-select',
      onchange: (e) => { draft.loan_type = e.target.value || 'standard'; } },
      ...Object.entries(MORTGAGE_CAPS).map(([id, meta]) => el('option', {
        value: id, selected: draft.loan_type === id,
      }, lang === 'ja' ? meta.label_jp : meta.label_en)),
    );
    modal.appendChild(field(t('resident.mortgage.type'), typeSel));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('resident.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('mortgage', draft); close(); rerender(); } }, t('resident.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── NHI awareness card ───────────────────────────────────────────

  function buildNhiCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'resident' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🏥 ' + t('resident.section.nhi')));
    card.appendChild(el('p', null, t('resident.nhi.body')));

    card.appendChild(el('div', {
      style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-warn)',
        background: 'rgba(185, 122, 26, 0.06)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)' },
    }, '⚠ ' + t('resident.nhi.timing_tip')));
    return card;
  }

  // ─── Resources card ───────────────────────────────────────────────

  function buildResourcesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'resident' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📚 ' + t('resident.section.resources')));

    function resource(title, desc, url) {
      return el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-track-resident)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)', marginBottom: 'var(--tb-sp-2)' },
      },
        el('div', { style: { fontWeight: '600' } }, title),
        el('div', { class: 'tb-field-help', style: { margin: '4px 0' } }, desc),
        url ? el('a', { href: url, target: '_blank', rel: 'noopener noreferrer',
          style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)' } }, url + ' →') : null,
      );
    }
    card.appendChild(resource(t('resident.resources.nta.title'), t('resident.resources.nta.body'),
      'https://www.nta.go.jp/english/'));
    card.appendChild(resource(t('resident.resources.moj.title'), t('resident.resources.moj.body'),
      'https://www.moj.go.jp/isa/applications/procedures/16-4.html'));
    card.appendChild(resource(t('resident.resources.furusato.title'), t('resident.resources.furusato.body'),
      'https://www.furusato-tax.jp/'));
    card.appendChild(resource(t('resident.resources.zeirishi.title'), t('resident.resources.zeirishi.body'), null));
    return card;
  }

  // ─── helpers ──────────────────────────────────────────────────────

  function statBadge(label, value, color) {
    return TB.utils.el('div', {
      style: { background: 'var(--tb-bg)', padding: 'var(--tb-sp-3)', borderRadius: 'var(--tb-radius-2)',
        border: '1px solid var(--tb-border)' },
    },
      TB.utils.el('div', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)', marginBottom: '2px' } }, label),
      TB.utils.el('div', { style: { fontWeight: '700', fontSize: 'var(--tb-fs-22)', fontFamily: 'var(--tb-font-mono)',
        color: color || 'var(--tb-text)' } }, value),
    );
  }

  // ====================================================================
  // Action Center generators
  // ====================================================================

  function genKakuteiShinkokuDeadline() {
    const out = [];
    // Honor the Tax Coordinator's JP-filing-responsibility setting.
    // SOFA contractors and households where a spouse handles JP-side
    // filings should not see this reminder — it's not their action.
    if (!hasJpPersonalTaxFiling()) return out;
    const today = new Date();
    const year = today.getUTCFullYear();
    const deadline = new Date(year + '-03-15T00:00:00');
    if (today > deadline) return out; // window closed for this year
    const windowOpen = new Date(year + '-02-16T00:00:00');
    const days = Math.round((deadline - today) / 86400000);
    if (today < windowOpen) {
      // Pre-window — only show 30d before opening
      const daysToOpen = Math.round((windowOpen - today) / 86400000);
      if (daysToOpen > 30) return out;
      out.push({
        id: 'resident_kakutei_window_opens',
        group: 'resident', urgency: 'medium', icon: '🧾',
        title: '確定申告 window opens in ' + daysToOpen + ' days (Feb 16)',
        body: 'Annual Japan tax return window: Feb 16 - Mar 15. As a US person + JP resident, you also must coordinate with your US 1040 (worldwide income on both). Start gathering 源泉徴収票, US W-2s, donation receipts, mortgage balance certificates.',
        deadline: deadline.toISOString().slice(0, 10), module: 'resident', snoozable: true,
      });
    } else {
      const urgency = days <= 7 ? 'critical' : days <= 21 ? 'high' : 'medium';
      out.push({
        id: 'resident_kakutei_due',
        group: 'resident', urgency, icon: '🧾',
        title: '確定申告 due ' + deadline.toISOString().slice(0,10) + ' (' + days + ' days)',
        body: 'Japan tax return deadline. Late filing = 5-15% delinquent tax + interest. e-Tax or paper to your local 税務署.',
        deadline: deadline.toISOString().slice(0, 10), module: 'resident', snoozable: false,
      });
    }
    return out;
  }

  function genTenYearClock() {
    const out = [];
    const clock = tenYearClock();
    if (!clock) return out;
    const r = getResidency();
    if (r.permanent_residency) return out; // already a JP citizen / different rules anyway? actually PR doesn't change this, but let it slide for now
    if (clock.days < 0) return out; // already past
    if (clock.days > 365 * 3) return out; // not yet actionable
    const urgency = clock.days <= 365 ? 'high' : 'medium';
    out.push({
      id: 'resident_tenyear_approaching',
      group: 'resident', urgency, icon: '⏳',
      title: '10-year worldwide-asset clock — ' + Math.floor(clock.days / 365) + 'y ' + Math.round((clock.days % 365) / 30) + 'mo left',
      body: 'JP inheritance tax expands to your WORLDWIDE assets at year 10 of residency. US 401k, IRA, brokerage, real estate all become subject to 10-55% JP inheritance tax in the event of your death. Plan mitigation NOW (gifting to non-JP heirs, leave Japan, restructure) — see Projections → Tax Strategy → Inheritance Tax Mitigation.',
      deadline: clock.date, module: 'resident', snoozable: true,
    });
    return out;
  }

  function genPrEligible() {
    const out = [];
    const r = getResidency();
    if (r.permanent_residency || r.pr_application_filed) return out;
    const elig = prEligibilityDate();
    if (!elig) return out;
    if (elig.already_eligible) {
      out.push({
        id: 'resident_pr_eligible',
        group: 'resident', urgency: 'low', icon: '🇯🇵',
        title: 'Eligible to apply for 永住権 (Permanent Residency)',
        body: 'Based on your visa + arrival date, you meet the residency requirement. PR removes visa-renewal hassle. Application process is paper-based at your local immigration office; typical 4-12 month review.',
        module: 'resident', snoozable: true,
      });
    } else if (elig.days <= 365) {
      out.push({
        id: 'resident_pr_approaching',
        group: 'resident', urgency: 'low', icon: '🇯🇵',
        title: '永住権 eligibility in ' + Math.floor(elig.days / 30) + 'mo (' + elig.date + ')',
        body: 'Start gathering documentation now: tax records (5y), residence certificates, employment records, character references. Some processing offices accept pre-application document review.',
        deadline: elig.date, module: 'resident', snoozable: true,
      });
    }
    return out;
  }

  function genFurusatoDeadline() {
    const out = [];
    const today = new Date();
    const year = today.getUTCFullYear();
    const deadline = new Date(year + '-12-31T00:00:00');
    const days = Math.round((deadline - today) / 86400000);
    if (days < 0 || days > 60) return out;
    const f = getFurusato();
    const limit = estimateFurusatoLimit(f.prior_year_income_jpy, f.prior_year_dependents || 0);
    const planned = f.donations_planned_jpy || 0;
    const headroom = limit - planned;
    if (limit === 0) return out;
    if (headroom <= 50_000) return out; // already maxed or close
    out.push({
      id: 'resident_furusato_year_end',
      group: 'resident', urgency: days <= 14 ? 'high' : 'medium', icon: '💴',
      title: 'Furusato Nozei deadline Dec 31 — ¥' + headroom.toLocaleString() + ' headroom remaining',
      body: 'Donations must be made AND processed by Dec 31 to count for the current year. Annual estimated limit: ¥' + limit.toLocaleString() + '. You\'ve planned ¥' + planned.toLocaleString() + '. Stretch the rest before year-end for ~30% gift-value return.',
      deadline: deadline.toISOString().slice(0, 10), module: 'resident', snoozable: true,
    });
    return out;
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = { id, label_en: 'Long-Term Resident', label_jp: '長期居住者', render, searchSections: SECTIONS };

  window.TB.resident = {
    actionGenerators: [genKakuteiShinkokuDeadline, genTenYearClock, genPrEligible, genFurusatoDeadline],
    yearsInJapan, tenYearClock, prEligibilityDate,
    estimateFurusatoLimit, estimateMortgageCredit,
    VISA_STATUSES, MORTGAGE_CAPS,
  };
})();

</script>
  <script data-source="scripts/modules/family.js">
/* Taigan Bridge — modules/family.js
 *
 * Family module — for US persons with Japanese-national spouses,
 * dual-citizen children, or other Japan-resident family members.
 * Covers the demographic-specific complexity that other tools
 * ignore: 国籍選択 (Japanese nationality choice; by age 20 if dual from before 18), US
 * citizenship transmission rules to next generation, passport
 * renewal cycles across two systems, education savings (529 vs
 * 学資保険 PFIC trap), inheritance pre-positioning via 暦年贈与 /
 * 教育資金一括贈与 / 結婚・子育て / 相続時精算課税, and US
 * citizenship renunciation (covered expatriate + exit tax).
 *
 * Action Center integration via TB.family.actionGenerators —
 * watches passport expiry, 国籍選択 deadlines, year-end gift
 * opportunities, 教育資金一括贈与 sunset, renunciation milestones.
 */

(function () {
  'use strict';

  const id = 'family';

  // ====================================================================
  // Reference data
  // ====================================================================

  const RELATIONSHIPS = [
    { id: 'spouse',  label_en: 'Spouse',  label_jp: '配偶者' },
    { id: 'child',   label_en: 'Child',   label_jp: '子' },
    { id: 'parent',  label_en: 'Parent',  label_jp: '親' },
    { id: 'sibling', label_en: 'Sibling', label_jp: '兄弟姉妹' },
    { id: 'other',   label_en: 'Other',   label_jp: 'その他' },
  ];

  // Inheritance pre-positioning vehicles. Per-vehicle cap, eligibility,
  // sunset date (where applicable), and PFIC implications. Sourced
  // from National Tax Agency 国税庁 publications + Civil Code 1044.
  const GIFT_VEHICLES = [
    {
      id: '暦年贈与',
      label_en: 'Annual exclusion (暦年贈与)',
      label_jp: '暦年贈与',
      cap_jpy: 1_100_000,
      cap_unit: 'per recipient per year',
      sunset: null,
      notes_en: '¥1.1M tax-free gift per recipient per year. Multiple recipients (kids + grandkids + spouse) compound. ⚠ 7-year clawback (expanded from 3y in 2024): gifts within 7y of death pulled back into estate.',
      notes_jp: '受取人一人あたり年間 ¥110 万まで贈与税非課税。複数の受取人(子・孫・配偶者)に対して並列適用可能。⚠ 2024 年改正で持ち戻し期間が 3 年→7 年に延長:死亡前 7 年以内の贈与は相続財産に加算。',
    },
    {
      id: '教育資金一括贈与',
      label_en: 'Education lump-sum (教育資金一括贈与)',
      label_jp: '教育資金一括贈与',
      cap_jpy: 15_000_000,
      cap_unit: 'lifetime to grandchildren',
      sunset: (window.TB && TB.constants && TB.constants.GIFT_SUNSET.education) || '2026-03-31',
      notes_en: '¥15M tax-free lump sum to descendants under 30 for school + tuition + lessons. Funds held in earmarked bank account; unspent balance on 30th birthday or donor death = taxed. Closed to NEW contributions after Mar 31, 2026 (the FY2026 reform did not extend it); funds contributed by the deadline remain covered under the existing rules.',
      notes_jp: '30 歳未満の直系卑属に対し、教育費目的で一括贈与最大 ¥1,500 万まで非課税。指定銀行口座で管理。30 歳到達時または贈与者死亡時の残額は課税対象。2026/3/31 をもって新規の申込み受付は終了(令和8年度改正で延長されず)。期限までに拠出した資金は従来の取扱いが継続。',
    },
    {
      id: '結婚・子育て',
      label_en: 'Marriage / childbearing (結婚・子育て資金一括贈与)',
      label_jp: '結婚・子育て資金一括贈与',
      cap_jpy: 10_000_000,
      cap_unit: 'lifetime, ages 18-50',
      sunset: (window.TB && TB.constants && TB.constants.GIFT_SUNSET.marriageChildrearing) || '2027-03-31',
      notes_en: '¥10M lump sum to descendants ages 18-50 for marriage + childcare expenses. Funds in earmarked account. Available through Mar 31, 2027 (extended two years by the FY2025 reform).',
      notes_jp: '18~50 歳の直系卑属に対し、結婚・出産・育児費目的で一括贈与最大 ¥1,000 万まで非課税。指定口座管理。2027/3/31 まで利用可能(令和7年度改正で 2 年延長)。',
    },
    {
      id: '相続時精算課税',
      label_en: 'Settlement-at-inheritance (相続時精算課税)',
      label_jp: '相続時精算課税',
      cap_jpy: 25_000_000,
      cap_unit: 'lifetime, then 20% on excess',
      sunset: null,
      notes_en: 'Lifetime ¥25M tax-free gifting election; gifts above cap taxed at 20% (refundable against future inheritance). 2024 reform added a ¥1.1M annual exclusion ON TOP of the lifetime cap. ⚠ Once elected, you can never go back to 暦年贈与 with that donor.',
      notes_jp: '生涯 ¥2,500 万までの贈与税非課税選択制度。超過分は 20% 課税(相続時に精算)。2024 年改正で年間 ¥110 万の基礎控除が上乗せ追加。⚠ 一度選択すると同一贈与者からの 暦年贈与 に戻せない。',
    },
    {
      id: '配偶者控除',
      label_en: 'Spouse deduction (配偶者控除 / おしどり贈与)',
      label_jp: '配偶者控除(おしどり贈与)',
      cap_jpy: 20_000_000,
      cap_unit: 'lifetime, marriage 20y+',
      sunset: null,
      notes_en: '¥20M lifetime tax-free gift for primary residence (or cash to buy one) to a spouse married 20+ years. Separate from inheritance ¥160M spouse deduction. Used once.',
      notes_jp: '婚姻期間 20 年以上の配偶者に対し、居住用不動産または購入資金を生涯一度 ¥2,000 万まで非課税。相続時の配偶者控除(¥1.6 億)とは別枠。',
    },
  ];

  // Education savings vehicles — comparison for parents of dual-citizen
  // or US-citizen children. Two big traps surface here:
  //   - 学資保険 = PFIC for US-person owner (punitive default tax)
  //   - 529 = only "qualified" at FSA-eligible institutions; most
  //     Japanese universities are NOT on the list, so 529 funds spent
  //     on a typical JP school become non-qualified withdrawals
  //     (10% penalty + ordinary income on earnings).
  const EDU_VEHICLES = [
    {
      id: '529',
      label_en: '529 Plan (US-domiciled)',
      label_jp: '529 プラン(米国籍)',
      good_for: 'us_person',
      pfic: false,
      jp_school_warning: true,
      pros_en: [
        'No PFIC issue (US-domiciled)',
        'Tax-free growth + tax-free withdrawals for QUALIFIED expenses at FSA-eligible schools',
        'High contribution limits (~$95K front-loaded × 5y of federal gift exclusion per donor)',
        'Unused funds can roll to a Roth IRA for the beneficiary (up to $35K lifetime, beneficiary 15y rule)',
        'K-12 $10K/yr usable but only at US K-12 schools',
      ],
      cons_en: [
        '🚨 Most Japanese universities are NOT FSA-eligible — using 529 funds there = non-qualified withdrawal. Penalty applies to the EARNINGS portion only: 10% federal penalty + ordinary income tax on earnings. Principal contributions come back tax/penalty-free (you contributed after-tax dollars). The hit scales with how long the account grew.',
        'FSA-eligible JP schools are short list (verify at studentaid.gov): Temple Japan, Lakeland Japan, a handful of others',
        'JP doesn\'t recognize the 529 wrapper — internal growth may be JP-taxable to a JP-resident parent annually',
        'State tax credit only if you\'re a domiciliary of the offering state — non-qualified withdrawal can also trigger state-level recapture of prior credits',
        'Workarounds (avoid the earnings penalty): change beneficiary to a US-resident relative, save for room/board at an FSA-eligible school the kid visits in the US, use for an FSA-eligible JP institution, or roll up to $35K to the beneficiary\'s Roth IRA (SECURE 2.0)',
      ],
    },
    {
      id: '学資保険',
      label_en: '学資保険 (Japan education insurance)',
      label_jp: '学資保険',
      good_for: 'non_us_person',
      pfic: true,
      pros_en: [
        'Forced-savings discipline — premiums autopay',
        'Death benefit if parent dies before child reaches college age',
        'Modest insurance + savings hybrid',
      ],
      cons_en: [
        '🚨 PFIC TRAP for US-person parent — punitive default tax on growth',
        'Generally weak returns (~0-1% over policy life)',
        'Inflexible — early surrender = principal loss',
        'Form 8621 every year for the US-person owner',
      ],
    },
    {
      id: '教育資金一括贈与',
      label_en: '教育資金一括贈与 (grandparent lump sum)',
      label_jp: '教育資金一括贈与',
      good_for: 'either',
      pfic: false,
      pros_en: [
        '¥15M tax-free from each grandparent (up to ¥60M from 4 grandparents)',
        'Specifically for school/tuition/lessons (defined broadly: tuition + entrance fees + textbooks + lessons up to ¥5M of the cap)',
        'No PFIC issue (it\'s a gift in an earmarked bank account, not an investment)',
        'Funds CAN be used for any school — Japanese, international, or foreign — without the 529 FSA-eligibility limitation',
      ],
      cons_en: [
        'Locked to education spending — non-education use = gift tax retroactively',
        'Sunset Mar 31, 2026 (last extension was 2023 reform; further extension uncertain — verify current status with NTA)',
        'Unused balance on the beneficiary\'s 30th birthday or donor\'s death is taxed',
        'Indirect: a US-person grandchild beneficiary should not personally control the account — foreign-account reporting exposure (FBAR / 8938)',
      ],
    },
    {
      id: 'taxable_brokerage',
      label_en: 'US-domiciled brokerage (taxable, in parent\'s name)',
      label_jp: '米国籍課税口座(親名義)',
      good_for: 'us_person',
      pfic: false,
      pros_en: [
        'Maximum flexibility — no use-it-on-education restriction, no school-eligibility list',
        'No PFIC issue if holding US-domiciled funds (VTI, VOO, etc.)',
        'Long-term capital gains rates on growth (0% / 15% / 20%)',
        'JP FTC offsets US capital-gains tax to the extent JP taxes the same gains',
        'Best fit if school will be in Japan and FSA-ineligible (most likely case)',
      ],
      cons_en: [
        'No tax-deferred growth (vs 529 / Roth)',
        'Counts as parental asset on FAFSA — modest financial-aid impact (≤5.6% of asset value)',
      ],
    },
  ];

  // Renunciation thresholds — covered expatriate test (any of three).
  // Sourced from IRC §877A. Inflation-adjusted annually.
  //   - net_worth_usd       : $2M (statutory, NOT inflation-adjusted)
  //   - avg_tax_5y_usd      : ~$201K (2024) → $206K (2025) → ~$212K (2026)
  //                           IRS Rev. Proc. each year sets the figure
  //   - exclusion_usd       : §877A gain-exclusion amount, inflation-adj
  //                           ($821K in 2024, $890K in 2025, ~$916K in 2026)
  //   - fee_dos_usd         : DOS administrative fee for CLN processing.
  //                           $450 effective Apr 13, 2026 (final rule
  //                           in Fed Reg 2026-04931, published Mar 13,
  //                           2026, reducing from the $2,350 figure
  //                           that had been in place since Sep 2014).
  //                           No retroactive refunds for the higher fee.
  //                           Non-waivable, non-refundable; paid on
  //                           day of consulate interview. (US Embassy
  //                           Japan confirms the $450 figure on
  //                           jp.usembassy.gov fees page.)
  const COVERED_EXPATRIATE = {
    net_worth_usd: 2_000_000,
    avg_tax_5y_usd: 206_000,
    exclusion_usd: 890_000,
    fee_dos_usd: 450,
    fee_dos_effective_date: '2026-04-13',
    fee_dos_prior_usd: 2_350,
  };

  // ====================================================================
  // State accessors
  // ====================================================================

  function getFamily()       { return TB.state.get('family') || {}; }
  function getMembers()      { return getFamily().members || []; }
  function getRenunciation() { return getFamily().renunciation || {}; }
  function getGiftsLog()     { return getFamily().gifts_log || []; }

  function setMembers(arr) {
    const f = getFamily();
    f.members = arr;
    TB.state.set('family', f);
  }
  function setRenunciation(value) {
    const f = getFamily();
    f.renunciation = value;
    TB.state.set('family', f);
  }
  function setGiftsLog(arr) {
    const f = getFamily();
    f.gifts_log = arr;
    TB.state.set('family', f);
  }

  function upsertMember(m) {
    const arr = getMembers();
    const i = arr.findIndex((x) => x.id === m.id);
    if (i >= 0) arr[i] = m;
    else arr.push(m);
    setMembers(arr);
  }
  function deleteMember(id) {
    setMembers(getMembers().filter((x) => x.id !== id));
  }

  function uuid() {
    return 'fam-' + Date.now().toString(36) + '-' + Math.random().toString(36).slice(2, 8);
  }

  // ====================================================================
  // Passport vision import (v0.60)
  // ====================================================================
  //
  // Drops a passport photo or PDF into the document-vision extraction
  // and pre-fills the bound last4 + expires inputs. The draft object
  // closed over by the modal is mutated directly so saving picks up
  // the new values without forcing a re-render of the whole modal.
  //
  // Privacy: extraction prompt only returns LAST 4 of the passport
  // number — never the full number. Wareki dates (令和/平成) get
  // converted to ISO before reaching us.
  async function runPassportVision(file, ppKey, expectedType, last4Input, expiresInput, statusEl) {
    const t = TB.i18n.t;
    statusEl.textContent = '⏳ ' + t('family.passport.import.processing');
    statusEl.style.color = 'var(--tb-text-soft)';
    try {
      const result = await TB.ai.callClaudeVisionForDocumentExtraction(file, {
        expected_type: expectedType,
        feature: 'document_vision',
      });
      const ext = (result && result.extracted) || {};
      const cost = (result.cost_usd || 0).toFixed(4);
      const filled = [];
      if (ext.reference_number_last4) {
        last4Input.value = ext.reference_number_last4;
        last4Input.dispatchEvent(new Event('input', { bubbles: true }));
        filled.push('last4');
      }
      if (ext.expiry_date) {
        expiresInput.value = ext.expiry_date;
        expiresInput.dispatchEvent(new Event('input', { bubbles: true }));
        filled.push('expires');
      }
      if (filled.length === 0) {
        statusEl.textContent = '⚠ ' + t('family.passport.import.nothing') + ' · $' + cost;
        statusEl.style.color = 'var(--tb-warn)';
      } else {
        statusEl.textContent = '✓ ' + t('family.passport.import.done', { n: filled.length, cost });
        statusEl.style.color = 'var(--tb-success)';
      }
    } catch (err) {
      statusEl.textContent = '✗ ' + (err.message || err);
      statusEl.style.color = 'var(--tb-error)';
    }
  }

  // ====================================================================
  // Computed helpers
  // ====================================================================

  function ageInYears(birth_date) {
    if (!birth_date) return null;
    const b = new Date(birth_date + 'T00:00:00');
    if (isNaN(b.getTime())) return null;
    const now = new Date();
    let age = now.getFullYear() - b.getFullYear();
    const mDelta = now.getMonth() - b.getMonth();
    if (mDelta < 0 || (mDelta === 0 && now.getDate() < b.getDate())) age--;
    return age;
  }

  function daysUntil(iso) {
    if (!iso) return null;
    const d = new Date(iso + 'T00:00:00');
    if (isNaN(d.getTime())) return null;
    const t = new Date(); t.setHours(0,0,0,0);
    return Math.round((d - t) / 86400000);
  }

  // 国籍選択 deadline. Nationality Act Article 14, as amended effective
  // 2022-04-01 (when Japanese adulthood dropped to 18): multiple
  // nationality acquired BEFORE age 18 → choose by age 20; acquired
  // AT/AFTER 18 → within 2 years of acquisition. We track birth_date,
  // which covers the common dual-from-birth case (acquired before 18 →
  // 20th birthday). The later-acquisition case (deadline = acquisition
  // date + 2 years) can't be derived from birth_date alone, so the UI
  // explains that rule in text. (Pre-2022 law used age 22; that was the
  // source of the bug Ray's 2026-06 audit caught — see CLAIM-LEDGER.)
  function nationalityChoiceDate(birth_date) {
    if (!birth_date) return null;
    const b = new Date(birth_date + 'T00:00:00');
    b.setFullYear(b.getFullYear() + 20);
    return b.toISOString().slice(0, 10);
  }

  function isDualCitizen(member) {
    const c = member.citizenships || [];
    return c.indexOf('US') !== -1 && c.indexOf('JP') !== -1;
  }

  // ====================================================================
  // Onboarding-aware predicates (check BOTH onboarding answers AND
  // roster — so users who add members without re-running onboarding
  // still get the right sections, and users who picked categories at
  // onboarding still see relevant sections before adding roster entries)
  // ====================================================================

  function onboardingFamily() {
    const a = TB.state.get('onboarding.answers') || {};
    return Array.isArray(a.family) ? a.family : [a.family].filter(Boolean);
  }
  function indicatedSpouse() {
    const fam = onboardingFamily();
    return fam.indexOf('us_spouse') !== -1 || fam.indexOf('jp_spouse') !== -1
        || fam.indexOf('third_spouse') !== -1
        || getMembers().some((m) => m.relationship === 'spouse');
  }
  function indicatedChildren() {
    const fam = onboardingFamily();
    return fam.indexOf('us_children') !== -1 || fam.indexOf('jp_children') !== -1
        || fam.indexOf('dual_children') !== -1
        || getMembers().some((m) => m.relationship === 'child');
  }
  function indicatedDualChildren() {
    const fam = onboardingFamily();
    return fam.indexOf('dual_children') !== -1 || hasDualCitizenChildren();
  }

  // ====================================================================
  // Section registry
  // ====================================================================

  const SECTIONS = [
    { id: 'header',            always: true,  builder: () => buildHeaderCard() },
    { id: 'roster',            always: true,  builder: () => buildRosterCard() },
    {
      id: 'nationality_choice',
      label_en: '国籍選択 tracker',
      label_jp: '国籍選択トラッカー',
      description_en: 'Per-dual-citizen-child countdown to the age-20 nationality choice date (non-penalized duty of effort).',
      description_jp: '二重国籍の各お子様について、20 歳の国籍選択期限までのカウントダウン。',
      auto_show: indicatedDualChildren,
      builder: () => buildNationalityChoiceCard(),
    },
    {
      id: 'transmission',
      label_en: 'US citizenship transmission',
      label_jp: '米国市民権の継承',
      description_en: 'Physical-presence rules (INA §301(g)) for grandchildren born abroad.',
      description_jp: '海外出生孫向けの物理的存在ルール(INA §301(g))。',
      auto_show: indicatedDualChildren,
      builder: () => buildTransmissionCard(),
    },
    {
      id: 'passports',
      label_en: 'Passport renewal tracker',
      label_jp: 'パスポート更新追跡',
      description_en: 'All US + JP passports across family members with expiry alerts.',
      description_jp: '家族全員の米国 + 日本パスポートと有効期限警告。',
      auto_show: () => indicatedSpouse() || indicatedChildren() || getMembers().length > 0,
      builder: () => buildPassportTrackerCard(),
    },
    {
      id: 'edu_savings',
      label_en: 'Education savings strategy',
      label_jp: '教育費貯蓄戦略',
      description_en: '529 vs 学資保険 vs 教育資金一括贈与 comparison.',
      description_jp: '529・学資保険・教育資金一括贈与の比較。',
      auto_show: indicatedChildren,
      builder: () => buildEduSavingsCard(),
    },
    {
      id: 'pre_positioning',
      label_en: 'Inheritance pre-positioning',
      label_jp: '相続前の生前贈与',
      description_en: '暦年贈与, 教育資金一括贈与, 結婚・子育て, 相続時精算課税, 配偶者控除.',
      description_jp: '暦年贈与・教育資金一括贈与・結婚・子育て・相続時精算課税・配偶者控除。',
      auto_show: () => true,  // anyone may have heirs eventually
      builder: () => buildPrePositioningCard(),
    },
    {
      id: 'gift_log',
      label_en: 'Gift log',
      label_jp: '贈与記録',
      description_en: 'Year-by-year record of gifts. Used for 7y clawback computation.',
      description_jp: '年次贈与記録。7 年持ち戻し計算に使用。',
      auto_show: () => true,
      builder: () => buildGiftLogCard(),
    },
    {
      id: 'renunciation',
      label_en: 'US citizenship renunciation',
      label_jp: '米国市民権放棄',
      description_en: 'Covered-expatriate analysis + process / fee / consulate details.',
      description_jp: '対象拡大者分析と手続き・費用・領事館詳細。',
      auto_show: () => true,  // gated internally by "contemplating" checkbox
      builder: () => buildRenunciationCard(),
    },
    {
      id: 'resources',           always: true, builder: () => buildResourcesCard(),
    },
  ];

  // ====================================================================
  // Module render
  // ====================================================================

  let host = null;
  let listenerSet = false;

  function render(container) {
    host = container;
    if (!listenerSet) {
      TB.customize.onChange(id, () => rerender());
      listenerSet = true;
    }
    container.innerHTML = '';
    SECTIONS.forEach((s) => {
      if (s.always || TB.customize.isSectionEnabled(id, s.id, s.auto_show)) {
        container.appendChild(s.builder());
      }
    });
    container.appendChild(TB.customize.buildPanel(id, SECTIONS));
  }

  function rerender() { if (host) render(host); }

  // ─── Header ───────────────────────────────────────────────────────

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    return el('div', { class: 'tb-card', 'data-track': 'family' },
      el('div', { class: 'tb-card-meta' },
        el('span', { class: 'tb-badge tb-badge--track', 'data-track': 'family' },
          t('family.badge')),
      ),
      el('h1', null, '👨‍👩‍👧 ' + t('family.title')),
      el('p', { class: 'tb-card-meta' }, t('family.subtitle')),
    );
  }

  // ─── Family roster ────────────────────────────────────────────────

  function buildRosterCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const members = getMembers();

    const card = el('div', { class: 'tb-card', 'data-track': 'family' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, t('family.section.roster')),
      el('button', { class: 'tb-btn', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openMemberModal(null) }, '＋ ' + t('family.member.add')),
    ));

    if (members.length === 0) {
      const a = TB.state.get('onboarding.answers') || {};
      const fam = Array.isArray(a.family) ? a.family : [a.family].filter(Boolean);
      const hints = [];
      if (fam.indexOf('us_spouse') !== -1)     hints.push(t('family.hint.us_spouse'));
      if (fam.indexOf('jp_spouse') !== -1)     hints.push(t('family.hint.jp_spouse'));
      if (fam.indexOf('third_spouse') !== -1)  hints.push(t('family.hint.third_spouse'));
      if (fam.indexOf('us_children') !== -1)   hints.push(t('family.hint.us_children'));
      if (fam.indexOf('jp_children') !== -1)   hints.push(t('family.hint.jp_children'));
      if (fam.indexOf('dual_children') !== -1) hints.push(t('family.hint.dual_children'));
      if (hints.length > 0) {
        card.appendChild(el('div', {
          style: {
            padding: 'var(--tb-sp-2) var(--tb-sp-3)',
            background: 'var(--tb-bg)', borderLeft: '3px solid var(--tb-track-family)',
            borderRadius: 'var(--tb-radius-1)', fontSize: 'var(--tb-fs-12)',
            marginTop: 'var(--tb-sp-2)',
          },
        },
          el('div', { style: { fontWeight: '600', marginBottom: '4px' } }, t('family.hint.label')),
          el('ul', { style: { paddingLeft: '20px', margin: 0 } },
            hints.map((h) => el('li', null, h))),
        ));
      } else {
        card.appendChild(el('p', { class: 'tb-field-help' }, t('family.roster.empty')));
      }
      return card;
    }

    const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-3)' } });
    members.forEach((m) => {
      const age = ageInYears(m.birth_date);
      const cit = (m.citizenships || []).join(' / ') || '—';
      const rel = (RELATIONSHIPS.find((r) => r.id === m.relationship) || {});
      const relLabel = lang === 'ja' ? rel.label_jp : rel.label_en;
      const row = el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-family)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
        },
      });
      row.appendChild(el('div', null,
        el('div', { style: { fontWeight: '600' } },
          (lang === 'ja' && m.name_jp ? m.name_jp : m.name_en) || (lang === 'ja' ? '(無題)' : '(untitled)'),
          relLabel ? el('span', { style: { color: 'var(--tb-text-soft)', marginLeft: '8px', fontWeight: '400', fontSize: 'var(--tb-fs-12)' } },
            '· ' + relLabel) : null,
        ),
        el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
          (age != null ? (lang === 'ja' ? age + ' 歳 · ' : age + 'y · ') : '') + cit
          + (m.jp_resident ? (lang === 'ja' ? ' · 日本居住' : ' · JP resident') : '')),
      ));
      row.appendChild(el('div', { style: { display: 'flex', gap: '8px' } },
        el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '2px 8px', fontSize: 'var(--tb-fs-12)' },
          onclick: () => openMemberModal(m) }, '✎'),
      ));
      list.appendChild(row);
    });
    card.appendChild(list);
    return card;
  }

  function openMemberModal(existing) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const isNew = !existing;
    const draft = Object.assign({
      id: uuid(),
      relationship: 'child',
      name_en: '',
      name_jp: '',
      birth_date: '',
      citizenships: [],
      gender: '',
      jp_resident: true,
      ssn_or_itin: null,
      passport_us: { number_last4: '', expires: null, renewed_at: null },
      passport_jp: { number_last4: '', expires: null, renewed_at: null },
      nationality_choice_made: null,
      notes: '',
      created_at: new Date().toISOString(),
    }, existing || {});
    if (!draft.passport_us) draft.passport_us = { number_last4: '', expires: null, renewed_at: null };
    if (!draft.passport_jp) draft.passport_jp = { number_last4: '', expires: null, renewed_at: null };

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      isNew ? t('family.modal.add_member') : t('family.modal.edit_member')));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    // Relationship
    modal.appendChild(field(t('family.field.relationship'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.relationship = e.target.value; } },
        ...RELATIONSHIPS.map((r) => el('option', {
          value: r.id, selected: draft.relationship === r.id,
        }, lang === 'ja' ? r.label_jp : r.label_en)),
      )));

    // Name (EN + JP)
    const nameRow = el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-2)' } });
    nameRow.appendChild(field(t('family.field.name_en'),
      el('input', { type: 'text', class: 'tb-input', value: draft.name_en || '',
        oninput: (e) => { draft.name_en = e.target.value; } })));
    nameRow.appendChild(field(t('family.field.name_jp'),
      el('input', { type: 'text', class: 'tb-input', value: draft.name_jp || '',
        oninput: (e) => { draft.name_jp = e.target.value; } })));
    modal.appendChild(nameRow);

    // Birth date
    modal.appendChild(field(t('family.field.birth_date'),
      el('input', { type: 'date', class: 'tb-input', value: draft.birth_date || '',
        oninput: (e) => { draft.birth_date = e.target.value || ''; } })));

    // Citizenships — checkboxes for US, JP, Other
    const cits = new Set(draft.citizenships || []);
    function citCheck(code, label) {
      const cb = el('input', {
        type: 'checkbox', checked: cits.has(code),
        style: { marginRight: '6px' },
        onchange: (e) => {
          if (e.target.checked) cits.add(code); else cits.delete(code);
          draft.citizenships = Array.from(cits);
        },
      });
      return el('label', { style: { display: 'inline-flex', alignItems: 'center', gap: '4px', marginRight: '12px' } },
        cb, label);
    }
    modal.appendChild(field(t('family.field.citizenships'),
      el('div', null,
        citCheck('US', 'US'),
        citCheck('JP', 'JP'),
        citCheck('OTHER', t('family.field.citizenships.other'))),
      t('family.field.citizenships.help')));

    // JP resident
    const jpCheck = el('input', { type: 'checkbox', checked: !!draft.jp_resident,
      style: { marginRight: '8px' },
      onchange: (e) => { draft.jp_resident = !!e.target.checked; } });
    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
        jpCheck, t('family.field.jp_resident'))));

    // SSN / ITIN
    modal.appendChild(field(t('family.field.ssn_or_itin'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.ssn_or_itin = e.target.value || null; } },
        el('option', { value: '', selected: !draft.ssn_or_itin }, '—'),
        el('option', { value: 'ssn',  selected: draft.ssn_or_itin === 'ssn'  }, 'SSN'),
        el('option', { value: 'itin', selected: draft.ssn_or_itin === 'itin' }, 'ITIN'),
        el('option', { value: 'none', selected: draft.ssn_or_itin === 'none' }, t('family.field.ssn_or_itin.none')),
      ),
      t('family.field.ssn_or_itin.help')));

    // Passports — collapsed sections with optional vision import
    function passportFields(prefix, ppKey) {
      const wrap = el('details', { style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)', marginBottom: 'var(--tb-sp-2)' } });
      wrap.appendChild(el('summary', { style: { cursor: 'pointer', fontWeight: '600' } }, prefix + ' ' + t('family.field.passport')));
      const inner = el('div', { style: { marginTop: 'var(--tb-sp-2)' } });
      const last4Input = el('input', { type: 'text', class: 'tb-input', maxlength: '4',
        value: draft[ppKey].number_last4 || '',
        oninput: (e) => { draft[ppKey].number_last4 = e.target.value; } });
      const expiresInput = el('input', { type: 'date', class: 'tb-input',
        value: draft[ppKey].expires || '',
        oninput: (e) => { draft[ppKey].expires = e.target.value || null; } });
      inner.appendChild(field(t('family.field.passport_last4'), last4Input));
      inner.appendChild(field(t('family.field.passport_expires'), expiresInput));
      // Vision import: photo/PDF of passport bio page → expiry + last4
      // pre-fill. Uses the existing document-vision extraction so we
      // get bilingual handling (and 和暦 conversion for JP passports).
      // Only the LAST 4 of the passport number are stored — never the full number.
      if (TB.ai && typeof TB.ai.callClaudeVisionForDocumentExtraction === 'function') {
        const expectedType = ppKey === 'passport_us' ? 'passport_us' : 'passport_jp';
        const fileInput = el('input', {
          type: 'file',
          accept: 'image/png,image/jpeg,image/jpg,image/webp,application/pdf',
          style: { display: 'none' },
          onchange: async (e) => {
            const f = e.target.files && e.target.files[0];
            if (f) await runPassportVision(f, ppKey, expectedType, last4Input, expiresInput, status);
            e.target.value = '';
          },
        });
        const status = el('div', { style: { fontSize: '11px', color: 'var(--tb-text-soft)', marginTop: '4px', minHeight: '1em' } });
        const importBtn = el('button', {
          class: 'tb-btn tb-btn--secondary', type: 'button',
          style: { padding: '4px 10px', fontSize: '11px', marginTop: '4px' },
          onclick: (e) => { e.preventDefault(); fileInput.click(); },
        }, '📎 ' + t('family.passport.import.btn'));
        inner.appendChild(el('div', { style: { marginTop: 'var(--tb-sp-2)' } },
          importBtn, fileInput, status));
      }
      wrap.appendChild(inner);
      return wrap;
    }
    modal.appendChild(passportFields('US', 'passport_us'));
    modal.appendChild(passportFields('JP', 'passport_jp'));

    // 国籍選択 result (for dual citizens)
    if (cits.has('US') && cits.has('JP')) {
      modal.appendChild(field(t('family.field.nationality_choice'),
        el('select', { class: 'tb-select',
          onchange: (e) => { draft.nationality_choice_made = e.target.value || null; } },
          el('option', { value: '', selected: !draft.nationality_choice_made }, t('family.field.nationality_choice.pending')),
          el('option', { value: 'us',        selected: draft.nationality_choice_made === 'us' }, t('family.field.nationality_choice.us')),
          el('option', { value: 'jp',        selected: draft.nationality_choice_made === 'jp' }, t('family.field.nationality_choice.jp')),
          el('option', { value: 'kept_both', selected: draft.nationality_choice_made === 'kept_both' }, t('family.field.nationality_choice.both')),
        ),
        t('family.field.nationality_choice.help')));
    }

    // Notes
    modal.appendChild(field(t('family.field.notes'),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.notes = e.target.value; } }, draft.notes || '')));

    // Buttons
    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', marginTop: 'var(--tb-sp-4)' } });
    if (!isNew) {
      btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--danger', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => {
          if (confirm(t('family.confirm.delete'))) { deleteMember(draft.id); close(); rerender(); }
        } }, '🗑 ' + t('family.delete')));
    } else {
      btnRow.appendChild(el('div', null));
    }
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('family.cancel')));
    right.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => {
        draft.updated_at = new Date().toISOString();
        upsertMember(draft);
        close();
        rerender();
      } }, t('family.save')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── 国籍選択 tracker ─────────────────────────────────────────────

  function hasDualCitizenChildren() {
    return getMembers().some((m) => m.relationship === 'child' && isDualCitizen(m));
  }

  function buildNationalityChoiceCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const dualKids = getMembers().filter((m) => m.relationship === 'child' && isDualCitizen(m));

    const card = el('div', { class: 'tb-card', 'data-track': 'family' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '⚖ ' + t('family.section.nationality_choice')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('family.nationality_choice.intro')));

    dualKids.forEach((kid) => {
      const age = ageInYears(kid.birth_date);
      const choiceDate = nationalityChoiceDate(kid.birth_date);
      const days = daysUntil(choiceDate);
      const made = kid.nationality_choice_made;
      let color, badge;
      if (made === 'us' || made === 'jp') {
        color = 'var(--tb-success)';
        badge = '✓ ' + t('family.nationality_choice.made_' + made);
      } else if (made === 'kept_both') {
        color = 'var(--tb-warn)';
        badge = '⚠ ' + t('family.nationality_choice.made_both');
      } else if (days != null && days < 0) {
        // Past the formal date — calm/neutral, not a warning. Art. 14 is a
        // non-penalized duty of effort; no automatic loss (see intro).
        color = 'var(--tb-text-soft)';
        badge = t('family.nationality_choice.overdue');
      } else if (days != null && days <= 365 * 2) {
        color = 'var(--tb-warn)';
        badge = days + 'd';
      } else {
        color = 'var(--tb-track-family)';
        badge = days != null ? Math.floor(days / 365) + 'y' : '—';
      }

      const wrap = el('div', {
        style: {
          padding: 'var(--tb-sp-3)', borderLeft: '4px solid ' + color,
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)',
          marginBottom: 'var(--tb-sp-2)',
        },
      });
      wrap.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' } },
        el('div', null,
          el('div', { style: { fontWeight: '700' } },
            (lang === 'ja' && kid.name_jp ? kid.name_jp : kid.name_en) || '(untitled)',
            age != null ? el('span', { style: { color: 'var(--tb-text-soft)', marginLeft: '8px', fontWeight: '400' } },
              age + (lang === 'ja' ? ' 歳' : 'y')) : null,
          ),
          choiceDate ? el('div', { class: 'tb-field-help', style: { fontFamily: 'var(--tb-font-mono)' } },
            t('family.nationality_choice.deadline') + ': ' + choiceDate) : null,
        ),
        el('span', { class: 'tb-badge', style: { background: color, color: '#fff' } }, badge),
      ));
      // Body text
      if (made === 'us' || made === 'jp' || made === 'kept_both') {
        const noteKey = 'family.nationality_choice.note_' + made;
        wrap.appendChild(el('p', { style: { margin: 'var(--tb-sp-2) 0 0', fontSize: 'var(--tb-fs-12)' } },
          t(noteKey)));
      } else {
        wrap.appendChild(el('p', { style: { margin: 'var(--tb-sp-2) 0 0', fontSize: 'var(--tb-fs-12)' } },
          t('family.nationality_choice.action')));
      }
      card.appendChild(wrap);
    });

    return card;
  }

  // ─── US citizenship transmission to next generation ───────────────

  function buildTransmissionCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'family' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🌐 ' + t('family.section.transmission')));
    card.appendChild(el('p', null, t('family.transmission.intro')));

    const callout = el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-warn)',
        background: 'rgba(185, 122, 26, 0.06)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-14)',
      },
    });
    callout.appendChild(el('div', { style: { fontWeight: '600', marginBottom: '4px' } },
      t('family.transmission.rule_label')));
    callout.appendChild(el('p', { style: { margin: 0 } }, t('family.transmission.rule_body')));
    card.appendChild(callout);

    // Action steps
    const ul = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)' } });
    [
      'family.transmission.step1',
      'family.transmission.step2',
      'family.transmission.step3',
      'family.transmission.step4',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(ul);
    return card;
  }

  // ─── Passport renewal tracker ─────────────────────────────────────

  function buildPassportTrackerCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const members = getMembers();

    const card = el('div', { class: 'tb-card', 'data-track': 'family' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🛂 ' + t('family.section.passports')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('family.passports.intro')));

    // Build flat list of (member, passport_kind, expiry)
    const rows = [];
    members.forEach((m) => {
      ['passport_us', 'passport_jp'].forEach((k) => {
        const pp = m[k];
        if (!pp || !pp.expires) return;
        rows.push({ member: m, kind: k, expires: pp.expires, last4: pp.number_last4 });
      });
    });

    if (rows.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('family.passports.empty')));
      return card;
    }

    rows.sort((a, b) => a.expires.localeCompare(b.expires));
    rows.forEach((r) => {
      const days = daysUntil(r.expires);
      const color = days < 0 ? 'var(--tb-error)'
                  : days <= 90 ? 'var(--tb-error)'
                  : days <= 180 ? 'var(--tb-warn)'
                  : days <= 365 ? 'var(--tb-warn)'
                  : 'var(--tb-success)';
      const label = days < 0 ? t('family.passports.expired')
                  : days + 'd';
      const row = el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid ' + color,
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)', gap: 'var(--tb-sp-3)',
        },
      });
      const country = r.kind === 'passport_us' ? 'US' : 'JP';
      row.appendChild(el('div', null,
        el('div', { style: { fontWeight: '600' } },
          el('span', { style: {
            display: 'inline-block', padding: '1px 6px', marginRight: '6px',
            fontSize: 'var(--tb-fs-12)', fontWeight: '700', letterSpacing: '0.04em',
            borderRadius: 'var(--tb-radius-pill)', color: '#fff',
            background: country === 'JP' ? '#B23A3A' : '#1A4480',
          } }, country),
          ((lang === 'ja' && r.member.name_jp) ? r.member.name_jp : r.member.name_en) || '(untitled)'),
        el('div', { class: 'tb-field-help', style: { marginTop: '2px', fontFamily: 'var(--tb-font-mono)' } },
          r.expires + (r.last4 ? ' · ····' + r.last4 : '')),
      ));
      row.appendChild(el('div', {
        style: {
          textAlign: 'right', fontFamily: 'var(--tb-font-mono)',
          fontSize: 'var(--tb-fs-12)', color: color, whiteSpace: 'nowrap',
        },
      }, label));
      card.appendChild(row);
    });
    return card;
  }

  // ─── Education savings strategy ───────────────────────────────────

  function buildEduSavingsCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const card = el('div', { class: 'tb-card', 'data-track': 'family' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🎓 ' + t('family.section.edu_savings')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('family.edu_savings.intro')));

    // Two headline traps — each gets its own callout so neither
    // gets buried inside the per-vehicle tile.
    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-error)',
        background: 'rgba(178, 58, 58, 0.06)', borderRadius: 'var(--tb-radius-1)',
        marginBottom: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-14)',
      },
    },
      el('div', { style: { fontWeight: '600', marginBottom: '4px' } }, '🚨 ' + t('family.edu_savings.pfic_warning_label')),
      el('p', { style: { margin: 0 } }, t('family.edu_savings.pfic_warning_body')),
    ));
    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-error)',
        background: 'rgba(178, 58, 58, 0.06)', borderRadius: 'var(--tb-radius-1)',
        marginBottom: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)',
      },
    },
      el('div', { style: { fontWeight: '600', marginBottom: '4px' } }, '🚨 ' + t('family.edu_savings.jp_529_warning_label')),
      el('p', { style: { margin: 0 } }, t('family.edu_savings.jp_529_warning_body')),
      el('div', { style: { marginTop: '6px', fontSize: 'var(--tb-fs-12)' } },
        el('a', { href: 'https://studentaid.gov/h/apply-for-aid/fafsa/filling-out/help/school-codes',
          target: '_blank', rel: 'noopener noreferrer',
          style: { color: 'var(--tb-navy)' } },
          t('family.edu_savings.jp_529_lookup') + ' →')),
    ));

    // Vehicle comparison
    const grid = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(280px, 1fr))', gap: 'var(--tb-sp-3)' },
    });
    EDU_VEHICLES.forEach((v) => {
      const tile = el('div', {
        style: {
          padding: 'var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)',
          border: v.pfic ? '2px solid var(--tb-error)' : '1px solid var(--tb-border)',
        },
      });
      tile.appendChild(el('div', { style: { fontWeight: '700', marginBottom: '4px' } },
        lang === 'ja' ? v.label_jp : v.label_en,
        v.pfic ? el('span', { style: { marginLeft: '6px', color: 'var(--tb-error)', fontSize: 'var(--tb-fs-12)' } }, '⚠ PFIC') : null,
      ));
      const ulPros = el('ul', { style: { paddingLeft: '20px', margin: 0 } });
      v.pros_en.forEach((p) => ulPros.appendChild(el('li', { style: { fontSize: 'var(--tb-fs-12)', marginBottom: '4px', color: 'var(--tb-success)' } }, '✓ ' + p)));
      v.cons_en.forEach((c) => ulPros.appendChild(el('li', { style: { fontSize: 'var(--tb-fs-12)', marginBottom: '4px', color: 'var(--tb-text-soft)' } }, '✗ ' + c)));
      tile.appendChild(ulPros);
      grid.appendChild(tile);
    });
    card.appendChild(grid);

    return card;
  }

  // ─── Inheritance pre-positioning ──────────────────────────────────

  function buildPrePositioningCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const card = el('div', { class: 'tb-card', 'data-track': 'family' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🎁 ' + t('family.section.pre_positioning')));
    card.appendChild(el('p', null, t('family.pre_positioning.intro')));

    // Vehicle comparison
    GIFT_VEHICLES.forEach((v) => {
      const sunsetWarn = v.sunset && v.sunset < new Date().toISOString().slice(0, 10);
      const wrap = el('details', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid ' + (sunsetWarn ? 'var(--tb-text-soft)' : 'var(--tb-track-family)'),
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      });
      const summary = el('summary', { style: { cursor: 'pointer', display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', gap: 'var(--tb-sp-2)' } });
      summary.appendChild(el('span', { style: { fontWeight: '600' } },
        lang === 'ja' ? v.label_jp : v.label_en));
      summary.appendChild(el('span', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', whiteSpace: 'nowrap', fontFamily: 'var(--tb-font-mono)' } },
        '¥' + v.cap_jpy.toLocaleString() + ' · ' + v.cap_unit));
      wrap.appendChild(summary);
      wrap.appendChild(el('p', { style: { marginTop: 'var(--tb-sp-2)', marginBottom: 0, fontSize: 'var(--tb-fs-12)' } },
        lang === 'ja' ? v.notes_jp : v.notes_en));
      if (v.sunset) {
        wrap.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-1)' } },
          (sunsetWarn ? '⚠ ' : '') + t('family.pre_positioning.sunset') + ': ' + v.sunset));
      }
      card.appendChild(wrap);
    });

    // 7-year clawback emphasis
    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-warn)',
        background: 'rgba(185, 122, 26, 0.06)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)',
      },
    },
      el('div', { style: { fontWeight: '600', marginBottom: '4px' } },
        '⚠ ' + t('family.pre_positioning.clawback_label')),
      el('p', { style: { margin: 0 } }, t('family.pre_positioning.clawback_body')),
    ));
    return card;
  }

  // ─── Gift log ─────────────────────────────────────────────────────

  function buildGiftLogCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const log = getGiftsLog();
    const members = getMembers();

    const card = el('div', { class: 'tb-card', 'data-track': 'family' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '📒 ' + t('family.section.gift_log')),
      el('button', { class: 'tb-btn', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openGiftModal(null) }, '＋ ' + t('family.gift.add')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('family.gift_log.intro')));

    if (log.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('family.gift_log.empty')));
      return card;
    }

    // Year totals first
    const totalsByYear = {};
    log.forEach((g) => {
      totalsByYear[g.year] = (totalsByYear[g.year] || 0) + (g.amount_jpy || 0);
    });
    const totalRow = el('div', {
      style: {
        display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-2)',
        padding: 'var(--tb-sp-2)', background: 'var(--tb-bg)',
        borderRadius: 'var(--tb-radius-1)', marginBottom: 'var(--tb-sp-2)',
        fontSize: 'var(--tb-fs-12)',
      },
    });
    Object.keys(totalsByYear).sort((a, b) => b - a).forEach((yr) => {
      totalRow.appendChild(el('span', null,
        el('strong', null, yr + ': '),
        '¥' + totalsByYear[yr].toLocaleString()));
    });
    card.appendChild(totalRow);

    // Individual entries
    log.slice().sort((a, b) => (b.year - a.year) || ((b.created_at || '').localeCompare(a.created_at || ''))).forEach((g) => {
      const recipient = members.find((m) => m.id === g.recipient_id);
      const recipName = recipient
        ? ((lang === 'ja' && recipient.name_jp) ? recipient.name_jp : recipient.name_en)
        : t('family.gift.unknown_recipient');
      const row = el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-family)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)', gap: 'var(--tb-sp-3)',
        },
      });
      row.appendChild(el('div', null,
        el('div', { style: { fontWeight: '600' } },
          g.year + ' · ' + recipName),
        el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
          g.vehicle + (g.notes ? ' · ' + g.notes : '')),
      ));
      row.appendChild(el('div', {
        style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600', whiteSpace: 'nowrap' },
      }, '¥' + (g.amount_jpy || 0).toLocaleString()));
      row.appendChild(el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '2px 8px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openGiftModal(g) }, '✎'));
      card.appendChild(row);
    });
    return card;
  }

  function openGiftModal(existing) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const isNew = !existing;
    const draft = Object.assign({
      id: 'gift-' + Date.now().toString(36),
      year: new Date().getFullYear(),
      recipient_id: null,
      amount_jpy: 0,
      vehicle: '暦年贈与',
      notes: '',
      created_at: new Date().toISOString(),
    }, existing || {});

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      isNew ? t('family.modal.add_gift') : t('family.modal.edit_gift')));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    modal.appendChild(field(t('family.gift.year'),
      el('input', { type: 'number', class: 'tb-input', min: '1990', max: '2100',
        value: draft.year || '',
        oninput: (e) => { draft.year = parseInt(e.target.value, 10) || draft.year; } })));

    modal.appendChild(field(t('family.gift.recipient'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.recipient_id = e.target.value || null; } },
        el('option', { value: '', selected: !draft.recipient_id }, '—'),
        ...getMembers().map((m) => el('option', {
          value: m.id, selected: draft.recipient_id === m.id,
        }, ((lang === 'ja' && m.name_jp) ? m.name_jp : m.name_en) || '(untitled)')),
      )));

    modal.appendChild(field(t('family.gift.vehicle'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.vehicle = e.target.value; } },
        ...GIFT_VEHICLES.map((v) => el('option', {
          value: v.id, selected: draft.vehicle === v.id,
        }, lang === 'ja' ? v.label_jp : v.label_en)),
      )));

    modal.appendChild(field(t('family.gift.amount'),
      el('input', { type: 'number', class: 'tb-input', step: '10000', min: '0',
        value: draft.amount_jpy || 0,
        oninput: (e) => { draft.amount_jpy = parseFloat(e.target.value) || 0; } })));

    modal.appendChild(field(t('family.field.notes'),
      el('textarea', { class: 'tb-input', rows: 2,
        oninput: (e) => { draft.notes = e.target.value; } }, draft.notes || '')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', marginTop: 'var(--tb-sp-4)' } });
    if (!isNew) {
      btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--danger', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => {
          if (confirm(t('family.confirm.delete_gift'))) {
            setGiftsLog(getGiftsLog().filter((g) => g.id !== draft.id));
            close();
            rerender();
          }
        } }, '🗑 ' + t('family.delete')));
    } else {
      btnRow.appendChild(el('div', null));
    }
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('family.cancel')));
    right.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => {
        const log = getGiftsLog();
        const i = log.findIndex((g) => g.id === draft.id);
        if (i >= 0) log[i] = draft; else log.push(draft);
        setGiftsLog(log);
        close();
        rerender();
      } }, t('family.save')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Renouncing US citizenship ────────────────────────────────────

  function buildRenunciationCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const r = getRenunciation();

    const card = el('div', { class: 'tb-card', 'data-track': 'family' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🪪 ' + t('family.section.renunciation')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openRenunciationModal() }, '✎ ' + t('family.edit')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('family.renunciation.intro')));

    if (!r.contemplating) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('family.renunciation.not_contemplating')));
      return card;
    }

    // Covered expatriate analysis
    const nw = r.estimated_net_worth_usd || 0;
    const tx = r.estimated_avg_tax_5y_usd || 0;
    const isCoveredByWorth = nw >= COVERED_EXPATRIATE.net_worth_usd;
    const isCoveredByTax = tx >= COVERED_EXPATRIATE.avg_tax_5y_usd;
    const isCovered = isCoveredByWorth || isCoveredByTax;

    const analysis = el('div', {
      style: {
        padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
        borderRadius: 'var(--tb-radius-2)', borderLeft: '4px solid ' +
          (isCovered ? 'var(--tb-error)' : 'var(--tb-warn)'),
        marginBottom: 'var(--tb-sp-3)',
      },
    });
    analysis.appendChild(el('div', { style: { fontWeight: '700', fontSize: 'var(--tb-fs-18)', marginBottom: '6px' } },
      isCovered ? '⚠ ' + t('family.renunciation.is_covered') : '○ ' + t('family.renunciation.not_covered')));

    const lines = [];
    lines.push({
      label: t('family.renunciation.test.net_worth'),
      value: '$' + nw.toLocaleString() + ' / $' + COVERED_EXPATRIATE.net_worth_usd.toLocaleString(),
      hit: isCoveredByWorth,
    });
    lines.push({
      label: t('family.renunciation.test.avg_tax'),
      value: '$' + tx.toLocaleString() + ' / $' + COVERED_EXPATRIATE.avg_tax_5y_usd.toLocaleString(),
      hit: isCoveredByTax,
    });
    lines.push({
      label: t('family.renunciation.test.compliance'),
      value: t('family.renunciation.test.compliance.value'),
      hit: false,
      info: true,
    });
    lines.forEach((line) => {
      analysis.appendChild(el('div', {
        style: { display: 'flex', justifyContent: 'space-between', padding: '4px 0', fontSize: 'var(--tb-fs-12)' },
      },
        el('span', null,
          el('span', { style: { color: line.hit ? 'var(--tb-error)' : (line.info ? 'var(--tb-text-soft)' : 'var(--tb-success)'), marginRight: '6px', fontWeight: '700' } },
            line.hit ? '✓' : (line.info ? 'ℹ' : '○')),
          line.label),
        el('span', { style: { fontFamily: 'var(--tb-font-mono)', color: line.hit ? 'var(--tb-error)' : 'var(--tb-text-soft)' } }, line.value),
      ));
    });
    card.appendChild(analysis);

    // Process & cost overview
    const ul = el('ul', { style: { paddingLeft: '20px' } });
    [
      'family.renunciation.process.fee',
      'family.renunciation.process.consulate',
      'family.renunciation.process.cln',
      'family.renunciation.process.exit_tax',
      'family.renunciation.process.irrevocable',
      'family.renunciation.process.children',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(ul);

    // Status
    if (r.target_year) {
      card.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
        t('family.renunciation.target_year') + ': ' + r.target_year));
    }
    if (r.consultation_complete) {
      card.appendChild(el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'rgba(47, 111, 78, 0.06)',
          borderLeft: '3px solid var(--tb-success)', borderRadius: 'var(--tb-radius-1)',
          marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)' },
      }, '✓ ' + t('family.renunciation.consultation_done')));
    } else {
      card.appendChild(el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'rgba(185, 122, 26, 0.06)',
          borderLeft: '3px solid var(--tb-warn)', borderRadius: 'var(--tb-radius-1)',
          marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)' },
      }, '⚠ ' + t('family.renunciation.consultation_pending')));
    }
    return card;
  }

  function openRenunciationModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({}, getRenunciation());

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('family.modal.renunciation')));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    const cb1 = el('input', { type: 'checkbox', checked: !!draft.contemplating,
      style: { marginRight: '8px' },
      onchange: (e) => { draft.contemplating = !!e.target.checked; } });
    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
        cb1, t('family.renunciation.contemplating'))));

    modal.appendChild(field(t('family.renunciation.target_year'),
      el('input', { type: 'number', class: 'tb-input', min: '2024', max: '2050',
        value: draft.target_year || '',
        oninput: (e) => { draft.target_year = parseInt(e.target.value, 10) || null; } })));

    modal.appendChild(field(t('family.renunciation.estimated_net_worth'),
      el('input', { type: 'number', class: 'tb-input', step: '10000', min: '0',
        value: draft.estimated_net_worth_usd != null ? draft.estimated_net_worth_usd : '',
        placeholder: '2000000',
        oninput: (e) => {
          const v = parseFloat(e.target.value);
          draft.estimated_net_worth_usd = isFinite(v) ? v : null;
        } }),
      t('family.renunciation.estimated_net_worth.help')));

    modal.appendChild(field(t('family.renunciation.estimated_avg_tax'),
      el('input', { type: 'number', class: 'tb-input', step: '1000', min: '0',
        value: draft.estimated_avg_tax_5y_usd != null ? draft.estimated_avg_tax_5y_usd : '',
        placeholder: '50000',
        oninput: (e) => {
          const v = parseFloat(e.target.value);
          draft.estimated_avg_tax_5y_usd = isFinite(v) ? v : null;
        } }),
      t('family.renunciation.estimated_avg_tax.help')));

    const cb2 = el('input', { type: 'checkbox', checked: !!draft.consultation_complete,
      style: { marginRight: '8px' },
      onchange: (e) => { draft.consultation_complete = !!e.target.checked; } });
    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
        cb2, t('family.renunciation.consultation_complete'))));

    modal.appendChild(field(t('family.field.notes'),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.notes = e.target.value; } }, draft.notes || '')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('family.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setRenunciation(draft); close(); rerender(); } }, t('family.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Resources ────────────────────────────────────────────────────

  function buildResourcesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'family' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📚 ' + t('family.section.resources')));

    function resource(title, desc, url) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-family)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      },
        el('div', { style: { fontWeight: '600' } }, title),
        el('div', { class: 'tb-field-help', style: { margin: '4px 0' } }, desc),
        url ? el('a', { href: url, target: '_blank', rel: 'noopener noreferrer',
          style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)' } }, url + ' →') : null,
      );
    }
    card.appendChild(resource(t('family.resources.moj.title'), t('family.resources.moj.body'),
      'https://www.moj.go.jp/EN/MINJI/minji06.html'));
    card.appendChild(resource(t('family.resources.state_renunciation.title'), t('family.resources.state_renunciation.body'),
      'https://travel.state.gov/content/travel/en/legal/travel-legal-considerations/Relinquishing-US-Nationality-Abroad.html'));
    card.appendChild(resource(t('family.resources.embassy_japan.title'), t('family.resources.embassy_japan.body'),
      'https://jp.usembassy.gov/services/citizenship-services/loss-u-s-citizenship/'));
    card.appendChild(resource(t('family.resources.irs_expatriation.title'), t('family.resources.irs_expatriation.body'),
      'https://www.irs.gov/individuals/international-taxpayers/expatriation-tax'));
    card.appendChild(resource(t('family.resources.nta_gift.title'), t('family.resources.nta_gift.body'),
      'https://www.nta.go.jp/english/taxes/individual/12011.htm'));
    return card;
  }

  // ====================================================================
  // Action Center generators
  // ====================================================================

  function genPassportExpiring() {
    const out = [];
    getMembers().forEach((m) => {
      ['passport_us', 'passport_jp'].forEach((k) => {
        const pp = m[k];
        if (!pp || !pp.expires) return;
        const days = daysUntil(pp.expires);
        if (days == null) return;
        if (days < 0 || days > 270) return;
        const country = k === 'passport_us' ? 'US' : 'JP';
        const name = m.name_en || m.name_jp || 'family member';
        out.push({
          id: 'family_passport_' + m.id + '_' + k,
          group: 'family',
          urgency: days <= 60 ? 'high' : days <= 120 ? 'medium' : 'low',
          icon: '🛂',
          title: country + ' passport expiring — ' + name + ' (' + days + 'd)',
          body: 'Passport expires ' + pp.expires + '. ' +
            (country === 'US'
              ? 'US passport renewal abroad: file Form DS-82 at the embassy/consulate. Allow 6-8 weeks. Many countries require 6mo validity for entry.'
              : '日本パスポートは住民登録地の都道府県旅券課で更新。残存有効期間を確認。'),
          deadline: pp.expires,
          module: 'family',
          snoozable: days > 60,
        });
      });
    });
    return out;
  }

  function genNationalityChoiceApproaching() {
    const out = [];
    getMembers().forEach((m) => {
      if (m.relationship !== 'child') return;
      if (!isDualCitizen(m)) return;
      if (m.nationality_choice_made) return;
      const choiceDate = nationalityChoiceDate(m.birth_date);
      const days = daysUntil(choiceDate);
      if (days == null) return;
      if (days > 365 * 3) return; // start showing 3y out
      const name = m.name_en || m.name_jp || 'child';
      const past = days < 0;
      // Article 14 is a non-penalized "duty of effort" (努力義務): missing the
      // date triggers NO automatic loss. Japanese nationality is lost only if
      // the Minister of Justice issues a written demand (催告) and it goes
      // unanswered for a month — and that demand has never been issued to
      // anyone. So a past deadline is LOW urgency + dismissible, not a red
      // "OVERDUE" alarm. (Article 11 — automatic loss on VOLUNTARILY acquiring
      // a foreign nationality — is the provision with teeth, and it does not
      // apply to a child who was dual from birth.)
      const urgency = past ? 'low' : (days <= 365 ? 'medium' : 'low');
      const title = past
        ? '国籍選択 — past the formal date (no action forced) — ' + name
        : '国籍選択 in ' + Math.floor(days / 365) + 'y — ' + name;
      const body = past
        ? 'Being past the 国籍選択 (nationality-choice) date carries no automatic consequence. The obligation is a non-penalized "duty of effort" (努力義務): Japanese nationality is lost only if the Minister of Justice issues a written demand (催告) and it then goes unanswered for one month — and that demand has never been issued to anyone in Japan\'s history. Hundreds of thousands of dual nationals remain in exactly this position. This is Article 14 (the choice rule), which is separate from Article 11, under which a Japanese citizen who VOLUNTARILY acquires a foreign nationality loses Japanese nationality automatically — Article 11 does not apply to someone who was dual from birth. To confirm the formal record, obtain a 戸籍謄本 (a filed 国籍選択届 would appear there); a 行政書士 or the 法務局 can verify. Note: filing 国籍選択届 selecting Japanese does NOT renounce US citizenship — that is a separate consular process.'
        : 'Japanese law asks dual nationals to choose one nationality: acquired before age 18 → by age 20; at/after 18 → within 2 years. This is a non-penalized "duty of effort" (Article 14) — no fine and no automatic loss for missing it, and the formal demand process has never been used. Filing 国籍選択届 selecting Japanese does NOT renounce US citizenship (separate consular act; only an "endeavor" under Article 16). Many dual nationals keep both. Separate risk worth knowing: Article 11 — voluntarily ACQUIRING a foreign nationality later — causes automatic loss of Japanese nationality, but it does not apply to a child dual from birth.';
      out.push({
        id: 'family_natchoice_' + m.id,
        group: 'family',
        urgency,
        icon: '⚖',
        title,
        body: body,
        deadline: choiceDate,
        module: 'family',
        snoozable: true,
      });
    });
    return out;
  }

  function genYearEndGiftOpportunity() {
    const out = [];
    const today = new Date();
    const month = today.getMonth() + 1;
    if (month < 11) return out;  // only fire Nov + Dec
    // Have we logged any gifts this year?
    const yr = today.getFullYear();
    const giftsThisYear = getGiftsLog().filter((g) => g.year === yr && g.vehicle === '暦年贈与');
    const recipients = getMembers().filter((m) =>
      m.relationship === 'child' || m.relationship === 'spouse'
    );
    if (recipients.length === 0) return out;
    const usedRecipients = new Set(giftsThisYear.map((g) => g.recipient_id));
    const availableRecipients = recipients.filter((r) => !usedRecipients.has(r.id));
    if (availableRecipients.length === 0) return out;
    const dec31 = new Date(yr + '-12-31T00:00:00');
    const days = Math.round((dec31 - today) / 86400000);
    if (days < 0) return out;
    out.push({
      id: 'family_year_end_gift_' + yr,
      group: 'family',
      urgency: days <= 14 ? 'high' : 'medium',
      icon: '🎁',
      title: '暦年贈与 year-end opportunity — ' + availableRecipients.length + ' recipients unused',
      body: 'You have ' + availableRecipients.length + ' family member(s) eligible for a ¥1.1M tax-free gift this year. Bank transfer must SETTLE by Dec 31 to count. This use-it-or-lose-it cap doesn\'t carry over.',
      deadline: dec31.toISOString().slice(0, 10),
      module: 'family',
      snoozable: true,
    });
    return out;
  }

  function genEduSunsetWarning() {
    const out = [];
    const sunset = (window.TB && TB.constants && TB.constants.GIFT_SUNSET.education) || '2026-03-31';
    const days = daysUntil(sunset);
    if (days == null || days < 0 || days > 540) return out;
    // Only fire if user has dual or JP children (potential grandchildren in scope)
    const a = TB.state.get('onboarding.answers') || {};
    const fam = Array.isArray(a.family) ? a.family : [a.family].filter(Boolean);
    const hasKids = fam.some((f) => f === 'us_children' || f === 'jp_children' || f === 'dual_children')
      || getMembers().some((m) => m.relationship === 'child');
    if (!hasKids) return out;
    out.push({
      id: 'family_edu_lump_sunset',
      group: 'family',
      urgency: days <= 90 ? 'high' : 'medium',
      icon: '🎓',
      title: '教育資金一括贈与 sunset ' + sunset + ' (' + days + 'd) — extension uncertain',
      body: '¥15M tax-free education lump sum (grandparent → grandchild) currently sunsets Mar 31, 2026. Past extensions have been granted but never guaranteed. If grandparents are considering this, review now.',
      deadline: sunset,
      module: 'family',
      snoozable: true,
    });
    return out;
  }

  function genRenunciationConsultation() {
    const r = getRenunciation();
    if (!r.contemplating) return [];
    if (r.consultation_complete) return [];
    return [{
      id: 'family_renunciation_consult',
      group: 'family',
      urgency: 'medium',
      icon: '🪪',
      title: 'US renunciation — schedule specialist consultation',
      body: 'You\'ve marked renunciation as under consideration but haven\'t flagged a consultation as complete. Renunciation is irrevocable; the covered-expatriate exit-tax math + post-renunciation US tax rules (transfer tax on gifts to US persons, Form 8854 dual-status year) deserve a specialist before filing the DS-4079.',
      module: 'family',
      snoozable: true,
    }];
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = { id, label_en: 'Family', label_jp: '家族', render, searchSections: SECTIONS };

  window.TB.family = {
    actionGenerators: [
      genPassportExpiring, genNationalityChoiceApproaching,
      genYearEndGiftOpportunity, genEduSunsetWarning, genRenunciationConsultation,
    ],
    getMembers, isDualCitizen, ageInYears, nationalityChoiceDate,
    GIFT_VEHICLES, EDU_VEHICLES, COVERED_EXPATRIATE, RELATIONSHIPS,
  };
})();

</script>
  <script data-source="scripts/modules/property.js">
/* Taigan Bridge — modules/property.js
 *
 * Real Estate / Property — both JP and US property holdings, with
 * cross-border tax math that no other tool consolidates well for
 * this audience:
 *
 *   - JP property: 固定資産税, 都市計画税, 不動産取得税, 路線価-based
 *     valuation, depreciation by structure type, mortgage credit
 *     interaction (cross-link to Resident).
 *   - US property: §121 sale exclusion, depreciation recapture, FX
 *     gain on basis (§988), §469 passive activity loss rules.
 *   - US rental income while in JP: FEIE doesn't cover passive →
 *     Form 1116 + Schedule E mechanics, JP-side reporting requirement.
 *   - Inheritance: 古民家 / family-land scenarios, 小規模宅地等の特例
 *     eligibility for primary residence (cross-link to Estate calc).
 *
 * Cross-references:
 *   - Resident:  住宅ローン控除 (mortgage credit) — already tracked there
 *   - Estate:    situs analysis — JP residential flag drives 80% reduction
 *   - Tax Coord: filing context for FEIE/FTC + Schedule E
 *   - Assets:    optional cross-reference for property-as-asset
 */

(function () {
  'use strict';

  const id = 'property';

  // ====================================================================
  // Reference data
  // ====================================================================

  const PROPERTY_TYPES = [
    { id: 'primary_residence', label_en: 'Primary residence',     label_jp: '主たる居住用不動産' },
    { id: 'rental',            label_en: 'Rental property',        label_jp: '賃貸用不動産' },
    { id: 'vacation',          label_en: 'Vacation / second home', label_jp: '別荘・セカンドハウス' },
    { id: 'kominka',           label_en: '古民家 (traditional folk house)', label_jp: '古民家' },
    { id: 'inherited',         label_en: 'Inherited (not yet rebased)', label_jp: '相続済み' },
    { id: 'land',              label_en: 'Land only (no structure)', label_jp: '土地のみ' },
    { id: 'other',             label_en: 'Other',                  label_jp: 'その他' },
  ];

  // JP structure types — drive depreciation lifetime + 不動産取得税.
  // Useful-life standard durations per NTA:
  //   wood (木造):       22y
  //   light steel (軽量鉄骨): 27y
  //   steel (鉄骨):      34y
  //   RC (鉄筋コンクリート): 47y
  //   SRC (鉄骨鉄筋コンクリート): 47y
  const JP_STRUCTURE_TYPES = [
    { id: 'wood',  label_en: '木造 (Wood frame)',                  useful_life_years: 22 },
    { id: 'light_steel', label_en: '軽量鉄骨 (Light steel)',         useful_life_years: 27 },
    { id: 'steel', label_en: '鉄骨 (Steel)',                        useful_life_years: 34 },
    { id: 'rc',    label_en: '鉄筋コンクリート (RC)',                 useful_life_years: 47 },
    { id: 'src',   label_en: '鉄骨鉄筋コンクリート (SRC)',           useful_life_years: 47 },
    { id: 'other', label_en: 'Other / unknown',                     useful_life_years: null },
  ];

  // US §121 thresholds (annual exclusion on sale of primary residence).
  const US_121_EXCLUSION = {
    single: 250000,
    mfj:    500000,
  };

  // 不動産取得税 — JP real estate acquisition tax. Approximate 2026 rates.
  const JP_ACQUISITION_TAX = {
    standard_pct: 4.0,    // base rate
    residential_pct: 3.0, // reduced rate for residential real estate (through 2027)
    land_special_pct: 1.5, // half of standard for residential land
  };

  // ====================================================================
  // State accessors
  // ====================================================================

  function getProperty()    { return TB.state.get('property') || {}; }
  function getProperties()  { return getProperty().properties || []; }
  function getPrefs()       { return getProperty().preferences || {}; }

  function setProperties(arr) {
    const p = getProperty();
    p.properties = arr;
    TB.state.set('property', p);
  }
  function setPrefs(value) {
    const p = getProperty();
    p.preferences = value;
    TB.state.set('property', p);
  }

  function upsertProperty(rec) {
    const arr = getProperties();
    const i = arr.findIndex((x) => x.id === rec.id);
    if (i >= 0) arr[i] = rec;
    else arr.push(rec);
    setProperties(arr);
  }
  function deleteProperty(propId) {
    setProperties(getProperties().filter((x) => x.id !== propId));
  }

  // ====================================================================
  // Property tax notice vision import (v0.60)
  // ====================================================================
  //
  // Drops a 固定資産税通知書 photo/PDF and pre-fills address, assessed
  // values, and annual tax fields on the property draft. We don't auto-
  // save — the user gets to review the modal with extracted values
  // before confirming with Save. Wareki dates handled by the prompt.
  async function runPropertyTaxVision(file, draft, statusEl, onApplied) {
    const t = TB.i18n.t;
    statusEl.textContent = '⏳ ' + t('property.import.processing');
    statusEl.style.color = 'var(--tb-text-soft)';
    try {
      const result = await TB.ai.callClaudeVisionForStructuredDoc(file, 'property_tax_jp', {
        feature: 'document_vision',
      });
      const ext = (result && result.extracted) || {};
      const cost = (result.cost_usd || 0).toFixed(4);
      const filled = [];
      // Only fill blank fields — never overwrite user-entered data
      if (!draft.address && ext.property_address) {
        draft.address = ext.property_address;
        filled.push('address');
      }
      if (draft.annual_property_tax_native == null && ext.annual_tax_jpy != null) {
        draft.annual_property_tax_native = Number(ext.annual_tax_jpy);
        draft.currency = 'JPY';
        filled.push('annual_tax');
      }
      if (draft.annual_city_tax_native == null && ext.city_planning_tax_jpy != null) {
        draft.annual_city_tax_native = Number(ext.city_planning_tax_jpy);
        filled.push('city_tax');
      }
      if (draft.current_value_native == null && ext.total_assessed_jpy != null) {
        draft.current_value_native = Number(ext.total_assessed_jpy);
        filled.push('assessed_value');
      }
      // Append a notes line with anything else that came back
      if (ext.notes || ext.tax_year || ext.municipality) {
        const bits = [];
        if (ext.tax_year)     bits.push(String(ext.tax_year) + ' 度');
        if (ext.municipality) bits.push(ext.municipality);
        if (ext.lot_or_house_no) bits.push('地番/家屋番号: ' + ext.lot_or_house_no);
        if (ext.notes) bits.push(ext.notes);
        const note = bits.join(' · ');
        const cur = (draft.notes || '').trim();
        draft.notes = cur ? cur + '\n— ' + note : note;
        filled.push('notes');
      }
      if (filled.length === 0) {
        statusEl.textContent = '⚠ ' + t('property.import.nothing') + ' · $' + cost;
        statusEl.style.color = 'var(--tb-warn)';
        return;
      }
      statusEl.textContent = '✓ ' + t('property.import.done', { n: filled.length, cost });
      statusEl.style.color = 'var(--tb-success)';
      // Trigger the modal re-render so populated fields show up.
      setTimeout(() => { try { onApplied && onApplied(); } catch (_) {} }, 600);
    } catch (err) {
      statusEl.textContent = '✗ ' + (err.message || err);
      statusEl.style.color = 'var(--tb-error)';
    }
  }

  function uuid() {
    return 'prop-' + Date.now().toString(36) + '-' + Math.random().toString(36).slice(2, 6);
  }

  // ====================================================================
  // FX helpers
  // ====================================================================

  function jpyToUsd(jpy) {
    if (TB.assets && typeof TB.assets.toUsd === 'function') {
      return TB.assets.toUsd(jpy || 0, 'JPY');
    }
    return (jpy || 0) / 150;
  }
  function usdToJpy(usd) {
    if (TB.assets && typeof TB.assets.toUsd === 'function') {
      const oneUsdInJpy = 1 / TB.assets.toUsd(1, 'JPY');
      return (usd || 0) * oneUsdInJpy;
    }
    return (usd || 0) * 150;
  }
  function nativeToUsd(value, currency) {
    if (currency === 'USD') return value || 0;
    if (TB.assets && typeof TB.assets.toUsd === 'function') {
      return TB.assets.toUsd(value || 0, currency);
    }
    if (currency === 'JPY') return jpyToUsd(value);
    return value || 0;
  }
  function fmtNative(value, currency) {
    if (currency === 'JPY') return '¥' + Math.round(value || 0).toLocaleString();
    return '$' + Math.round(value || 0).toLocaleString();
  }

  // ====================================================================
  // Computed helpers
  // ====================================================================

  // Years owned, fractional.
  function yearsOwned(rec) {
    if (!rec.purchase_date) return null;
    const pd = new Date(rec.purchase_date + 'T00:00:00');
    if (isNaN(pd.getTime())) return null;
    return (Date.now() - pd.getTime()) / (365.25 * 86400000);
  }

  // Estimated annual JP property tax (固定資産税 + 都市計画税).
  // Standard rates: 固定資産税 1.4% on assessed value; 都市計画税 max 0.3%.
  // Assessed value (固定資産税評価額) is typically 60-70% of market value.
  // We use 65% as a default proxy when user hasn't entered explicit tax.
  function estimateJpAnnualPropertyTax(rec) {
    if (rec.country !== 'JP') return 0;
    if (rec.annual_property_tax_native) {
      return (rec.annual_property_tax_native || 0) +
             (rec.annual_city_tax_native || 0);
    }
    if (!rec.current_value_native) return 0;
    const assessed = rec.current_value_native * 0.65;
    return Math.round(assessed * (0.014 + 0.003));
  }

  // §121 eligibility — must have owned AND used as primary residence
  // for at least 2 of the last 5 years.
  function us121Eligible(rec) {
    if (rec.country !== 'US') return null;
    if (rec.type !== 'primary_residence') return false;
    if (rec.lived_2_of_5_years === false) return false;
    if (rec.lived_2_of_5_years === true) return true;
    // Default: assume yes if owned ≥2 years
    const yrs = yearsOwned(rec);
    return yrs != null && yrs >= 2;
  }

  // Annual rental net income estimate.
  function netRentalIncome(rec) {
    if (rec.rental_status !== 'rented' || !rec.monthly_rent_native) return 0;
    return (rec.monthly_rent_native * 12) - (rec.annual_rental_expenses_native || 0);
  }

  // ====================================================================
  // Module render
  // ====================================================================

  let host = null;
  let listenerSet = false;

  function hasJpProperties() { return getProperties().some((p) => p.country === 'JP'); }
  function hasUsProperties() { return getProperties().some((p) => p.country === 'US'); }
  function hasRentals()      { return getProperties().some((p) => p.rental_status === 'rented'); }
  function hasInheritedJp()  { return getProperties().some((p) => p.country === 'JP' && (p.type === 'kominka' || p.type === 'inherited')); }
  function expectedInheritance() {
    const a = TB.state.get('onboarding.answers') || {};
    return a.real_estate === 'expected';
  }

  const SECTIONS = [
    { id: 'header',    always: true, builder: () => buildHeaderCard() },
    { id: 'roster',    always: true, builder: () => buildRosterCard() },
    {
      id: 'jp_taxes',
      label_en: 'JP property tax overview',
      label_jp: '日本の不動産税概要',
      description_en: '固定資産税 + 都市計画税 + 不動産取得税 estimates.',
      description_jp: '固定資産税・都市計画税・不動産取得税の試算。',
      auto_show: hasJpProperties,
      builder: () => buildJpTaxCard(),
    },
    {
      id: 'us_rental',
      label_en: 'US rental income reporting',
      label_jp: '米国賃貸収入の申告',
      description_en: 'FEIE doesn\'t cover passive income — Form 1116 + Schedule E mechanics for JP-resident landlords.',
      description_jp: 'FEIE は受動所得を対象外 — 日本居住の家主向け Form 1116 + Schedule E の取扱い。',
      auto_show: () => hasRentals() && hasUsProperties(),
      builder: () => buildUsRentalCard(),
    },
    {
      id: 'us_sale',
      label_en: 'US sale planning (§121 + 譲渡所得)',
      label_jp: '米国売却計画(§121 + 譲渡所得)',
      description_en: 'Per US property: §121 exclusion, depreciation recapture, FX-on-basis, JP capital gains.',
      description_jp: '米国不動産毎:§121 控除・減価償却の戻し入れ・基礎の FX 損益・日本側譲渡所得。',
      auto_show: hasUsProperties,
      builder: () => buildUsSaleCard(),
    },
    {
      id: 'mortgage_credit',
      label_en: '住宅ローン控除 cross-link',
      label_jp: '住宅ローン控除への参照',
      description_en: 'JP mortgage tax credit (0.7% × balance × 13y) — details tracked in Resident module.',
      description_jp: 'JP 住宅ローン控除(残高 × 0.7% × 13 年) — 詳細は Resident モジュールで管理。',
      auto_show: () => hasJpProperties() && getProperties().some((p) => p.country === 'JP' && p.mortgage_balance_native > 0),
      builder: () => buildMortgageCreditCard(),
    },
    {
      id: 'inherited_jp',
      label_en: '古民家 / inherited JP property',
      label_jp: '古民家・相続不動産',
      description_en: 'Family-land scenarios, 小規模宅地等の特例 eligibility, valuation challenges.',
      description_jp: '実家の土地・小規模宅地等の特例適用・評価額の論点。',
      auto_show: () => hasInheritedJp() || expectedInheritance(),
      builder: () => buildInheritedJpCard(),
    },
    {
      id: 'situs_link',
      label_en: 'Cross-border situs implications',
      label_jp: '国境を越える所在地の影響',
      description_en: 'Each property\'s situs drives Estate inheritance tax scope. Cross-link to Estate.',
      description_jp: '各不動産の所在地が相続税の対象範囲を決定。Estate への参照。',
      auto_show: () => getProperties().length > 0,
      builder: () => buildSitusLinkCard(),
    },
    {
      id: 'cash_flow',
      label_en: 'Monthly cash flow summary',
      label_jp: '月次キャッシュフロー要約',
      description_en: 'All properties combined: rental income − mortgage − tax − maintenance.',
      description_jp: '全不動産合計:賃貸収入 − ローン − 税金 − 維持費。',
      auto_show: () => getProperties().length > 0,
      builder: () => buildCashFlowCard(),
    },
    { id: 'resources', always: true, builder: () => buildResourcesCard() },
  ];

  function render(container) {
    host = container;
    if (!listenerSet) {
      TB.customize.onChange(id, () => rerender());
      listenerSet = true;
    }
    container.innerHTML = '';
    SECTIONS.forEach((s) => {
      if (s.always || TB.customize.isSectionEnabled(id, s.id, s.auto_show)) {
        container.appendChild(s.builder());
      }
    });
    container.appendChild(TB.customize.buildPanel(id, SECTIONS));
  }
  function rerender() { if (host) render(host); }

  // ─── Header ───────────────────────────────────────────────────────

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    return el('div', { class: 'tb-card', 'data-track': 'property' },
      el('div', { class: 'tb-card-meta' },
        el('span', { class: 'tb-badge tb-badge--track', 'data-track': 'property' },
          t('property.badge')),
      ),
      el('h1', null, '🏠 ' + t('property.title')),
      el('p', { class: 'tb-card-meta' }, t('property.subtitle')),
    );
  }

  // ─── Property roster ─────────────────────────────────────────────

  function buildRosterCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const properties = getProperties();

    const card = el('div', { class: 'tb-card', 'data-track': 'property' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🏘 ' + t('property.section.roster')),
      el('button', { class: 'tb-btn', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openPropertyModal(null) }, '＋ ' + t('property.add')),
    ));

    if (properties.length === 0) {
      const a = TB.state.get('onboarding.answers') || {};
      let hint = t('property.empty');
      if (a.real_estate === 'yes') hint = t('property.empty.from_onboarding');
      else if (a.real_estate === 'expected') hint = t('property.empty.expected');
      card.appendChild(el('p', { class: 'tb-field-help' }, hint));
      return card;
    }

    const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-3)' } });
    properties.forEach((p) => {
      const typeMeta = PROPERTY_TYPES.find((x) => x.id === p.type) || {};
      const typeLabel = lang === 'ja' ? typeMeta.label_jp : typeMeta.label_en;
      const yrs = yearsOwned(p);
      const valueDisplay = p.current_value_native
        ? fmtNative(p.current_value_native, p.currency) +
          ' (≈$' + Math.round(nativeToUsd(p.current_value_native, p.currency)).toLocaleString() + ')'
        : null;

      const row = el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-property)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
        },
      });
      row.appendChild(el('div', { style: { flex: '1', minWidth: '180px' } },
        el('div', { style: { fontWeight: '600' } },
          el('span', {
            style: {
              display: 'inline-block', padding: '1px 6px', marginRight: '6px',
              fontSize: '10px', fontWeight: '700', letterSpacing: '0.04em',
              borderRadius: 'var(--tb-radius-pill)', color: '#fff',
              background: p.country === 'JP' ? '#B23A3A' : p.country === 'US' ? '#1A4480' : '#666',
            },
          }, p.country),
          p.label || t('property.untitled'),
        ),
        el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
          (typeLabel || '—') +
          (yrs != null ? ' · ' + yrs.toFixed(1) + 'y owned' : '') +
          (valueDisplay ? ' · ' + valueDisplay : '')),
        p.rental_status === 'rented' && p.monthly_rent_native
          ? el('div', { class: 'tb-field-help', style: { marginTop: '2px', color: 'var(--tb-success)' } },
              '💰 ' + fmtNative(p.monthly_rent_native, p.currency) + '/mo rental income')
          : null,
      ));
      row.appendChild(el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '2px 8px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openPropertyModal(p) }, '✎'));
      list.appendChild(row);
    });
    card.appendChild(list);

    return card;
  }

  function openPropertyModal(existing) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const isNew = !existing;
    const draft = Object.assign({
      id: uuid(),
      label: '',
      country: 'JP',
      currency: 'JPY',
      type: 'primary_residence',
      purchase_date: null,
      purchase_price_native: null,
      address: '',
      square_meters: null,
      structure_type: null,
      current_value_native: null,
      mortgage_balance_native: null,
      mortgage_rate_pct: null,
      mortgage_remaining_years: null,
      annual_property_tax_native: null,
      annual_city_tax_native: null,
      annual_insurance_native: null,
      monthly_maintenance_native: null,
      rental_status: null,
      monthly_rent_native: null,
      annual_rental_expenses_native: null,
      depreciation_started_year: null,
      depreciation_basis_native: null,
      planned_sale_year: null,
      lived_2_of_5_years: null,
      is_residential_for_inheritance: false,
      notes: '',
      created_at: new Date().toISOString(),
    }, existing || {});

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '720px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      isNew ? t('property.modal.add') : t('property.modal.edit')));

    // Vision import — JP 固定資産税通知書 only (US property tax notices
    // vary widely by county and aren't worth a custom prompt yet).
    if (draft.country === 'JP'
        && TB.ai && typeof TB.ai.callClaudeVisionForStructuredDoc === 'function') {
      const visionStatus = el('div', { style: { fontSize: '11px', color: 'var(--tb-text-soft)', marginTop: '4px', minHeight: '1em' } });
      const visionInput = el('input', {
        type: 'file',
        accept: 'image/png,image/jpeg,image/jpg,image/webp,application/pdf',
        style: { display: 'none' },
        onchange: async (e) => {
          const f = e.target.files && e.target.files[0];
          if (f) await runPropertyTaxVision(f, draft, visionStatus, () => {
            // Re-render the whole modal so newly populated fields appear
            close(); openPropertyModal(draft);
          });
          e.target.value = '';
        },
      });
      modal.appendChild(el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)', marginBottom: 'var(--tb-sp-3)',
          display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)', flexWrap: 'wrap' },
      },
        el('button', {
          class: 'tb-btn tb-btn--secondary', type: 'button',
          style: { padding: '4px 10px', fontSize: '11px' },
          onclick: (e) => { e.preventDefault(); visionInput.click(); },
        }, '📎 ' + t('property.import.btn')),
        visionInput,
        el('span', { style: { fontSize: '11px', color: 'var(--tb-text-soft)', flex: '1', minWidth: '180px' } },
          t('property.import.help')),
        visionStatus,
      ));
    }

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }
    function num(label, key, help, step, placeholder) {
      return field(label,
        el('input', { type: 'number', class: 'tb-input', step: step || '1', min: '0',
          value: draft[key] != null ? draft[key] : '',
          placeholder: placeholder || '',
          oninput: (e) => {
            const v = parseFloat(e.target.value);
            draft[key] = isFinite(v) ? v : null;
          } }),
        help);
    }

    // Country / currency
    const ccRow = el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-2)' } });
    const countrySel = el('select', { class: 'tb-select',
      onchange: (e) => {
        draft.country = e.target.value;
        draft.currency = draft.country === 'JP' ? 'JPY' : draft.country === 'US' ? 'USD' : draft.currency;
        // Re-render to update structure_type visibility + currency labels
        close(); openPropertyModal(draft);
      } },
      el('option', { value: 'JP', selected: draft.country === 'JP' }, '🇯🇵 Japan'),
      el('option', { value: 'US', selected: draft.country === 'US' }, '🇺🇸 United States'),
      el('option', { value: 'OTHER', selected: draft.country === 'OTHER' }, t('property.country.other')),
    );
    ccRow.appendChild(field(t('property.field.country'), countrySel));
    ccRow.appendChild(field(t('property.field.currency'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.currency = e.target.value; } },
        ['USD', 'JPY', 'EUR', 'GBP', 'AUD', 'CAD'].map((c) =>
          el('option', { value: c, selected: draft.currency === c }, c)),
      )));
    modal.appendChild(ccRow);

    // Label + type
    const labelRow = el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-2)' } });
    labelRow.appendChild(field(t('property.field.label'),
      el('input', { type: 'text', class: 'tb-input', value: draft.label,
        placeholder: 'e.g. "Kichijoji apartment"',
        oninput: (e) => { draft.label = e.target.value; } })));
    labelRow.appendChild(field(t('property.field.type'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.type = e.target.value; } },
        PROPERTY_TYPES.map((typ) => el('option', {
          value: typ.id, selected: draft.type === typ.id,
        }, lang === 'ja' ? typ.label_jp : typ.label_en)),
      )));
    modal.appendChild(labelRow);

    // Purchase date + price
    const purchaseRow = el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-2)' } });
    purchaseRow.appendChild(field(t('property.field.purchase_date'),
      el('input', { type: 'date', class: 'tb-input',
        value: draft.purchase_date || '',
        oninput: (e) => { draft.purchase_date = e.target.value || null; } })));
    purchaseRow.appendChild(num(t('property.field.purchase_price') + ' (' + draft.currency + ')', 'purchase_price_native', null, '1000'));
    modal.appendChild(purchaseRow);

    // Address + size
    modal.appendChild(field(t('property.field.address'),
      el('input', { type: 'text', class: 'tb-input', value: draft.address,
        oninput: (e) => { draft.address = e.target.value; } })));

    const sizeRow = el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-2)' } });
    sizeRow.appendChild(num(t('property.field.square_meters'), 'square_meters', t('property.field.square_meters.help'), '1'));

    // Structure type — JP only
    if (draft.country === 'JP') {
      sizeRow.appendChild(field(t('property.field.structure_type'),
        el('select', { class: 'tb-select',
          onchange: (e) => { draft.structure_type = e.target.value || null; } },
          el('option', { value: '', selected: !draft.structure_type }, '—'),
          ...JP_STRUCTURE_TYPES.map((s) => el('option', {
            value: s.id, selected: draft.structure_type === s.id,
          }, s.label_en + (s.useful_life_years ? ' · ' + s.useful_life_years + 'y' : ''))),
        ),
        t('property.field.structure_type.help')));
    } else {
      sizeRow.appendChild(el('div', null));  // placeholder for grid alignment
    }
    modal.appendChild(sizeRow);

    // Current value
    modal.appendChild(num(t('property.field.current_value') + ' (' + draft.currency + ')',
      'current_value_native', t('property.field.current_value.help'), '1000'));

    // Mortgage section
    const mortgageDetails = el('details', { style: { marginTop: 'var(--tb-sp-3)' } });
    mortgageDetails.appendChild(el('summary', { style: { cursor: 'pointer', fontWeight: '600' } },
      '🏦 ' + t('property.section.mortgage')));
    const mGrid = el('div', { style: { display: 'grid', gridTemplateColumns: 'repeat(3, 1fr)', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-2)' } });
    mGrid.appendChild(num(t('property.field.mortgage_balance'), 'mortgage_balance_native', null, '1000'));
    mGrid.appendChild(num(t('property.field.mortgage_rate_pct'), 'mortgage_rate_pct', null, '0.05'));
    mGrid.appendChild(num(t('property.field.mortgage_years_left'), 'mortgage_remaining_years', null, '1'));
    mortgageDetails.appendChild(mGrid);
    modal.appendChild(mortgageDetails);

    // Annual costs
    const costsDetails = el('details', { style: { marginTop: 'var(--tb-sp-2)' } });
    costsDetails.appendChild(el('summary', { style: { cursor: 'pointer', fontWeight: '600' } },
      '💴 ' + t('property.section.costs')));
    const cGrid = el('div', { style: { display: 'grid', gridTemplateColumns: 'repeat(2, 1fr)', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-2)' } });
    if (draft.country === 'JP') {
      cGrid.appendChild(num(t('property.field.annual_property_tax_jp'), 'annual_property_tax_native', t('property.field.annual_property_tax_jp.help'), '1000'));
      cGrid.appendChild(num(t('property.field.annual_city_tax_jp'), 'annual_city_tax_native', t('property.field.annual_city_tax_jp.help'), '1000'));
    } else {
      cGrid.appendChild(num(t('property.field.annual_property_tax_us'), 'annual_property_tax_native', t('property.field.annual_property_tax_us.help'), '100'));
      cGrid.appendChild(el('div', null));
    }
    cGrid.appendChild(num(t('property.field.annual_insurance'), 'annual_insurance_native', null, '100'));
    cGrid.appendChild(num(t('property.field.monthly_maintenance'), 'monthly_maintenance_native', null, '100'));
    costsDetails.appendChild(cGrid);
    modal.appendChild(costsDetails);

    // Rental section
    const rentalDetails = el('details', { style: { marginTop: 'var(--tb-sp-2)' } });
    rentalDetails.appendChild(el('summary', { style: { cursor: 'pointer', fontWeight: '600' } },
      '🏘 ' + t('property.section.rental')));
    rentalDetails.appendChild(field(t('property.field.rental_status'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.rental_status = e.target.value || null; } },
        el('option', { value: '', selected: !draft.rental_status }, t('property.rental.not_rental')),
        el('option', { value: 'rented', selected: draft.rental_status === 'rented' }, t('property.rental.rented')),
        el('option', { value: 'vacant', selected: draft.rental_status === 'vacant' }, t('property.rental.vacant')),
        el('option', { value: 'pending', selected: draft.rental_status === 'pending' }, t('property.rental.pending')),
      )));
    const rGrid = el('div', { style: { display: 'grid', gridTemplateColumns: 'repeat(2, 1fr)', gap: 'var(--tb-sp-2)' } });
    rGrid.appendChild(num(t('property.field.monthly_rent') + ' (' + draft.currency + ')', 'monthly_rent_native', null, '100'));
    rGrid.appendChild(num(t('property.field.annual_rental_expenses') + ' (' + draft.currency + ')', 'annual_rental_expenses_native', t('property.field.annual_rental_expenses.help'), '100'));
    if (draft.country === 'US') {
      rGrid.appendChild(num(t('property.field.depreciation_started_year'), 'depreciation_started_year', t('property.field.depreciation_started_year.help'), '1', '2020'));
      rGrid.appendChild(num(t('property.field.depreciation_basis') + ' ($)', 'depreciation_basis_native', t('property.field.depreciation_basis.help'), '1000'));
    }
    rentalDetails.appendChild(rGrid);
    modal.appendChild(rentalDetails);

    // Sale planning — US only
    if (draft.country === 'US' && draft.type === 'primary_residence') {
      const saleDetails = el('details', { style: { marginTop: 'var(--tb-sp-2)' } });
      saleDetails.appendChild(el('summary', { style: { cursor: 'pointer', fontWeight: '600' } },
        '📤 ' + t('property.section.sale_planning')));
      const livedSel = el('select', { class: 'tb-select',
        onchange: (e) => {
          const v = e.target.value;
          draft.lived_2_of_5_years = v === '' ? null : (v === 'yes');
        } },
        el('option', { value: '', selected: draft.lived_2_of_5_years == null }, t('property.field.lived.auto')),
        el('option', { value: 'yes', selected: draft.lived_2_of_5_years === true }, t('property.field.lived.yes')),
        el('option', { value: 'no', selected: draft.lived_2_of_5_years === false }, t('property.field.lived.no')),
      );
      saleDetails.appendChild(field(t('property.field.lived_2_of_5'), livedSel,
        t('property.field.lived_2_of_5.help')));
      saleDetails.appendChild(num(t('property.field.planned_sale_year'), 'planned_sale_year', null, '1', '2030'));
      modal.appendChild(saleDetails);
    }

    // Inheritance flag — JP only, 小規模宅地等の特例 eligibility
    if (draft.country === 'JP') {
      const inhCheck = el('input', { type: 'checkbox', checked: !!draft.is_residential_for_inheritance,
        style: { marginRight: '8px' },
        onchange: (e) => { draft.is_residential_for_inheritance = !!e.target.checked; } });
      modal.appendChild(el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
          inhCheck, t('property.field.shotaku_eligible')),
        el('div', { class: 'tb-field-help' }, t('property.field.shotaku_eligible.help'))));
    }

    // Notes
    modal.appendChild(field(t('property.field.notes'),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.notes = e.target.value; } }, draft.notes || '')));

    // Buttons
    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', marginTop: 'var(--tb-sp-4)' } });
    if (!isNew) {
      btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--danger', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => {
          if (confirm(t('property.confirm.delete'))) {
            deleteProperty(draft.id); close(); rerender();
          }
        } }, '🗑 ' + t('property.delete')));
    } else {
      btnRow.appendChild(el('div', null));
    }
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('property.cancel')));
    right.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => {
        draft.updated_at = new Date().toISOString();
        upsertProperty(draft);
        close(); rerender();
      } }, t('property.save')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── JP property tax overview ────────────────────────────────────

  function buildJpTaxCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const jpProps = getProperties().filter((p) => p.country === 'JP');

    const card = el('div', { class: 'tb-card', 'data-track': 'property' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '💴 ' + t('property.section.jp_taxes')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('property.jp_taxes.intro')));

    let totalAnnual = 0;
    jpProps.forEach((p) => {
      const annualTax = estimateJpAnnualPropertyTax(p);
      totalAnnual += annualTax;
      const isEstimated = !p.annual_property_tax_native;
      card.appendChild(el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)', gap: 'var(--tb-sp-3)',
        },
      },
        el('div', null,
          el('div', { style: { fontWeight: '600' } }, p.label || t('property.untitled')),
          el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
            isEstimated ? t('property.jp_taxes.estimated') : t('property.jp_taxes.user_entered')),
        ),
        el('div', { style: { textAlign: 'right' } },
          el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600' } },
            '¥' + Math.round(annualTax).toLocaleString() + '/y'),
          el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
            '$' + Math.round(jpyToUsd(annualTax)).toLocaleString() + '/y'),
        ),
      ));
    });

    if (totalAnnual > 0) {
      card.appendChild(el('div', {
        style: {
          display: 'flex', justifyContent: 'space-between', alignItems: 'baseline',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'rgba(156, 91, 58, 0.06)', borderRadius: 'var(--tb-radius-2)',
          marginTop: 'var(--tb-sp-3)', borderLeft: '4px solid var(--tb-track-property)',
        },
      },
        el('span', { style: { fontWeight: '700' } }, t('property.jp_taxes.total_annual')),
        el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700', fontSize: 'var(--tb-fs-22)' } },
          '¥' + Math.round(totalAnnual).toLocaleString() + ' / $' + Math.round(jpyToUsd(totalAnnual)).toLocaleString()),
      ));
    }

    // Education content
    const ul = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)' } });
    [
      'property.jp_taxes.point.kotei',
      'property.jp_taxes.point.toshi',
      'property.jp_taxes.point.shutoku',
      'property.jp_taxes.point.assessment_lag',
      'property.jp_taxes.point.dual_residence',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(ul);

    return card;
  }

  // ─── US rental income reporting ──────────────────────────────────

  function buildUsRentalCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const usRentals = getProperties().filter((p) => p.country === 'US' && p.rental_status === 'rented');

    const card = el('div', { class: 'tb-card', 'data-track': 'property' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🇺🇸 ' + t('property.section.us_rental')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('property.us_rental.intro')));

    // FEIE-doesn't-cover-this banner
    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-warn)',
        background: 'rgba(185,122,26,0.06)', borderRadius: 'var(--tb-radius-1)',
        marginBottom: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)',
      },
    },
      el('div', { style: { fontWeight: '600', marginBottom: '4px' } }, '⚠ ' + t('property.us_rental.feie_warning_label')),
      el('p', { style: { margin: 0 } }, t('property.us_rental.feie_warning_body')),
    ));

    let totalGross = 0;
    let totalNet = 0;
    usRentals.forEach((p) => {
      const gross = (p.monthly_rent_native || 0) * 12;
      const net = netRentalIncome(p);
      totalGross += gross;
      totalNet += net;
      card.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      },
        el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' } },
          el('div', null,
            el('div', { style: { fontWeight: '600' } }, p.label || t('property.untitled')),
            el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
              p.address || ''),
          ),
          el('div', { style: { textAlign: 'right' } },
            el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)' } },
              t('property.us_rental.gross') + ': $' + Math.round(gross).toLocaleString() + '/y'),
            el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600',
              color: net >= 0 ? 'var(--tb-success)' : 'var(--tb-error)' } },
              t('property.us_rental.net') + ': $' + Math.round(net).toLocaleString() + '/y'),
          ),
        ),
      ));
    });

    if (totalNet !== 0) {
      card.appendChild(el('div', {
        style: {
          display: 'flex', justifyContent: 'space-between', alignItems: 'baseline',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'rgba(156, 91, 58, 0.06)', borderRadius: 'var(--tb-radius-2)',
          marginTop: 'var(--tb-sp-2)', borderLeft: '4px solid var(--tb-track-property)',
        },
      },
        el('span', { style: { fontWeight: '700' } }, t('property.us_rental.total_net')),
        el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700' } },
          '$' + Math.round(totalNet).toLocaleString() + '/y'),
      ));
    }

    // Education
    const ul = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)' } });
    [
      'property.us_rental.point.schedule_e',
      'property.us_rental.point.depreciation',
      'property.us_rental.point.passive_loss',
      'property.us_rental.point.jp_treatment',
      'property.us_rental.point.ftc_basket',
      'property.us_rental.point.recapture_on_sale',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(ul);

    return card;
  }

  // ─── US §121 sale planning ───────────────────────────────────────

  function buildUsSaleCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const usProps = getProperties().filter((p) => p.country === 'US');
    if (usProps.length === 0) return el('div', { style: { display: 'none' } });

    const card = el('div', { class: 'tb-card', 'data-track': 'property' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📤 ' + t('property.section.us_sale')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('property.us_sale.intro')));

    // Per-property §121 status
    usProps.forEach((p) => {
      const eligible = us121Eligible(p);
      const yrs = yearsOwned(p);
      let statusColor, statusLabel;
      if (eligible === true) {
        statusColor = 'var(--tb-success)';
        statusLabel = '✓ ' + t('property.us_sale.eligible');
      } else if (eligible === false) {
        statusColor = 'var(--tb-warn)';
        statusLabel = '⚠ ' + t('property.us_sale.not_eligible');
      } else {
        statusColor = 'var(--tb-text-soft)';
        statusLabel = '○ ' + t('property.us_sale.na');
      }
      card.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid ' + statusColor,
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      },
        el('div', { style: { display: 'flex', justifyContent: 'space-between', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' } },
          el('div', null,
            el('div', { style: { fontWeight: '600' } }, p.label || t('property.untitled')),
            el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
              p.type + (yrs != null ? ' · ' + yrs.toFixed(1) + 'y owned' : '')),
          ),
          el('div', { style: { fontWeight: '600', color: statusColor } }, statusLabel),
        ),
        eligible === true
          ? el('div', { class: 'tb-field-help', style: { marginTop: '4px' } },
              t('property.us_sale.exclusion_amount') + ': $' + US_121_EXCLUSION.single.toLocaleString() +
              ' / $' + US_121_EXCLUSION.mfj.toLocaleString() + ' (MFJ)')
          : null,
      ));
    });

    // Education
    const ul = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)' } });
    [
      'property.us_sale.point.121_basics',
      'property.us_sale.point.depreciation_recapture',
      'property.us_sale.point.fx_988',
      'property.us_sale.point.jp_capital_gains',
      'property.us_sale.point.ftc_offset',
      'property.us_sale.point.partial_exclusion',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(ul);

    return card;
  }

  // ─── Mortgage credit cross-link ──────────────────────────────────

  function buildMortgageCreditCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'property' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🏠 ' + t('property.section.mortgage_credit')));
    card.appendChild(el('p', null, t('property.mortgage_credit.intro')));
    card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
      el('a', { href: '#', style: { color: 'var(--tb-navy)' },
        onclick: (e) => {
          e.preventDefault();
          document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'resident' } }));
        } }, '↗ ' + t('property.mortgage_credit.open_resident'))));
    return card;
  }

  // ─── 古民家 / inherited JP property ──────────────────────────────

  function buildInheritedJpCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'property' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🏡 ' + t('property.section.inherited_jp')));
    card.appendChild(el('p', null, t('property.inherited_jp.intro')));

    const ul = el('ul', { style: { paddingLeft: '20px' } });
    [
      'property.inherited_jp.point.shotaku',
      'property.inherited_jp.point.rosenka',
      'property.inherited_jp.point.akiya_problem',
      'property.inherited_jp.point.us_estate_situs',
      'property.inherited_jp.point.deed_transfer',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(ul);

    return card;
  }

  // ─── Cross-border situs cross-link ───────────────────────────────

  function buildSitusLinkCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const props = getProperties();
    const card = el('div', { class: 'tb-card', 'data-track': 'property' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🌐 ' + t('property.section.situs_link')));
    card.appendChild(el('p', null, t('property.situs_link.intro')));

    // Quick situs breakdown
    let jpVal = 0, usVal = 0;
    props.forEach((p) => {
      const usd = nativeToUsd(p.current_value_native, p.currency);
      if (p.country === 'JP') jpVal += usd;
      else if (p.country === 'US') usVal += usd;
    });

    const tiles = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(160px, 1fr))', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-2)' },
    });
    function tile(label, valueUsd, color) {
      return el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)', borderLeft: '3px solid ' + color },
      },
        el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' } }, label),
        el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700' } },
          '$' + Math.round(valueUsd).toLocaleString()),
      );
    }
    tiles.appendChild(tile(t('property.situs_link.jp_situs'), jpVal, '#B23A3A'));
    tiles.appendChild(tile(t('property.situs_link.us_situs'), usVal, '#1A4480'));
    card.appendChild(tiles);

    card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-3)' } },
      el('a', { href: '#', style: { color: 'var(--tb-navy)' },
        onclick: (e) => {
          e.preventDefault();
          document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'estate' } }));
        } }, '↗ ' + t('property.situs_link.open_estate'))));

    return card;
  }

  // ─── Cash flow summary ──────────────────────────────────────────

  function buildCashFlowCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const props = getProperties();

    let monthlyIncome = 0;
    let monthlyOutgo = 0;
    props.forEach((p) => {
      const incomeUsd = p.rental_status === 'rented' && p.monthly_rent_native
        ? nativeToUsd(p.monthly_rent_native, p.currency) : 0;
      monthlyIncome += incomeUsd;
      // Mortgage payment estimate (simple — principal+interest only)
      let mortgagePmt = 0;
      if (p.mortgage_balance_native && p.mortgage_rate_pct && p.mortgage_remaining_years) {
        const r = (p.mortgage_rate_pct / 100) / 12;
        const n = p.mortgage_remaining_years * 12;
        if (r > 0) {
          mortgagePmt = (p.mortgage_balance_native * r) / (1 - Math.pow(1 + r, -n));
        }
      }
      monthlyOutgo += nativeToUsd(mortgagePmt, p.currency);
      // Tax + insurance + maintenance
      const annualOutgo = (p.annual_property_tax_native || 0) +
                         (p.annual_city_tax_native || 0) +
                         (p.annual_insurance_native || 0);
      monthlyOutgo += nativeToUsd(annualOutgo, p.currency) / 12;
      monthlyOutgo += nativeToUsd(p.monthly_maintenance_native || 0, p.currency);
    });
    const monthlyNet = monthlyIncome - monthlyOutgo;

    const card = el('div', { class: 'tb-card', 'data-track': 'property' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '💵 ' + t('property.section.cash_flow')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('property.cash_flow.intro')));

    const tiles = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(160px, 1fr))', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-2)' },
    });
    function tile(label, valueUsd, color) {
      return el('div', {
        style: { padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-2)', borderTop: '3px solid ' + (color || 'var(--tb-track-property)'),
          border: '1px solid var(--tb-border)' },
      },
        el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginBottom: '4px' } }, label),
        el('div', { style: { fontWeight: '700', fontSize: 'var(--tb-fs-22)', fontFamily: 'var(--tb-font-mono)' } },
          '$' + Math.round(valueUsd).toLocaleString()),
      );
    }
    tiles.appendChild(tile(t('property.cash_flow.income'), monthlyIncome, 'var(--tb-success)'));
    tiles.appendChild(tile(t('property.cash_flow.outgo'), -monthlyOutgo, 'var(--tb-warn)'));
    tiles.appendChild(tile(t('property.cash_flow.net'), monthlyNet,
      monthlyNet >= 0 ? 'var(--tb-success)' : 'var(--tb-error)'));
    card.appendChild(tiles);

    card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
      t('property.cash_flow.note')));
    return card;
  }

  // ─── Resources ──────────────────────────────────────────────────

  function buildResourcesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'property' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📚 ' + t('property.section.resources')));

    function resource(title, desc, url) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-property)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      },
        el('div', { style: { fontWeight: '600' } }, title),
        el('div', { class: 'tb-field-help', style: { margin: '4px 0' } }, desc),
        url ? el('a', { href: url, target: '_blank', rel: 'noopener noreferrer',
          style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)' } }, url + ' →') : null,
      );
    }
    if (hasJpProperties()) {
      card.appendChild(resource(t('property.resources.rosenka.title'), t('property.resources.rosenka.body'),
        'https://www.rosenka.nta.go.jp/'));
      card.appendChild(resource(t('property.resources.nta_property.title'), t('property.resources.nta_property.body'),
        'https://www.nta.go.jp/english/taxes/individual/12005.htm'));
    }
    if (hasUsProperties()) {
      card.appendChild(resource(t('property.resources.irs_pub527.title'), t('property.resources.irs_pub527.body'),
        'https://www.irs.gov/forms-pubs/about-publication-527'));
      card.appendChild(resource(t('property.resources.irs_pub523.title'), t('property.resources.irs_pub523.body'),
        'https://www.irs.gov/forms-pubs/about-publication-523'));
    }
    return card;
  }

  // ====================================================================
  // Action Center generators
  // ====================================================================

  // 不動産取得税 due — assessed within ~6 months of purchase. Fires
  // for JP properties purchased in last 8 months without a flagged
  // payment.
  function genJpAcquisitionTax() {
    const out = [];
    getProperties().forEach((p) => {
      if (p.country !== 'JP' || !p.purchase_date) return;
      const days = (Date.now() - new Date(p.purchase_date + 'T00:00:00').getTime()) / 86400000;
      if (days < 0 || days > 240) return;
      if (p.acquisition_tax_paid) return;
      out.push({
        id: 'property_jp_shutoku_' + p.id,
        group: 'property',
        urgency: days > 180 ? 'high' : 'medium',
        icon: '🏠',
        title: '不動産取得税 due — ' + (p.label || 'JP property'),
        body: 'Real estate acquisition tax bill typically arrives 3-6 months post-purchase from the prefecture. Standard rate 3% for residential (through 2027). Watch for the 納税通知書 in the mail.',
        module: 'property', snoozable: true,
      });
    });
    return out;
  }

  // §121 5-year clock approaching loss — for US primary residences
  // where user has lived in <2 of last 5 years.
  function genUs121ClockWarning() {
    const out = [];
    getProperties().forEach((p) => {
      if (p.country !== 'US') return;
      if (p.type !== 'primary_residence') return;
      if (p.lived_2_of_5_years !== false) return;  // only fire for explicit "no"
      out.push({
        id: 'property_121_clock_' + p.id,
        group: 'property',
        urgency: 'medium',
        icon: '📤',
        title: '§121 exclusion at risk — ' + (p.label || 'US property'),
        body: 'You\'ve flagged this property as not meeting the 2-of-5-year residence test. Selling now means foregoing up to $250K ($500K MFJ) of capital-gain exclusion. Consider whether to delay sale or accept the tax hit.',
        module: 'property', snoozable: true,
      });
    });
    return out;
  }

  // Annual JP property tax season — March/April reminders
  function genJpPropertyTaxSeason() {
    if (!hasJpProperties()) return [];
    const today = new Date();
    const month = today.getMonth() + 1;
    if (month < 3 || month > 5) return [];
    return [{
      id: 'property_jp_annual_tax_' + today.getFullYear(),
      group: 'property',
      urgency: 'low',
      icon: '💴',
      title: '固定資産税 quarterly bills incoming (April-June)',
      body: 'Annual JP property tax assessment notice (固定資産税納税通知書) typically arrives April. Payment in 4 quarterly installments OR annual lump sum. Watch the mail; auto-debit available at most JP banks.',
      module: 'property', snoozable: true,
    }];
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id, label_en: 'Real Estate', label_jp: '不動産', render,
    searchSections: SECTIONS,
  };

  window.TB.property = {
    actionGenerators: [genJpAcquisitionTax, genUs121ClockWarning, genJpPropertyTaxSeason],
    getProperties, estimateJpAnnualPropertyTax, us121Eligible, netRentalIncome,
    PROPERTY_TYPES, JP_STRUCTURE_TYPES, US_121_EXCLUSION, JP_ACQUISITION_TAX,
  };
})();

</script>
  <script data-source="scripts/modules/action-center.js">
/* Taigan Bridge — modules/action-center.js
 *
 * Action Center — the "what should I do today?" surface that pulls
 * from every other module's state and emits a sorted, deep-linkable
 * to-do list. The user dismisses items individually with a per-item
 * "until" date stored in state.action_center.dismissed so annual
 * recurring items (FBAR April 15) come back next year automatically.
 *
 * Two render surfaces:
 *   • renderWidget(host)   — top-N items as a dashboard card
 *   • render(host)         — full module view, grouped by urgency
 *
 * Architecture: each generator is a pure function (state → action[]).
 * deriveActions() runs all generators, filters dismissed items, and
 * sorts by urgency + deadline. Adding a new check is a one-function add.
 */

(function () {
  'use strict';

  const id = 'action-center';

  // Urgency rank for sorting + visual color.
  const URGENCY_RANK = { critical: 0, high: 1, medium: 2, low: 3, info: 4 };
  const URGENCY_COLOR = {
    critical: 'var(--tb-error)',
    high:     'var(--tb-warn)',
    medium:   'var(--tb-accent)',
    low:      'var(--tb-text-soft)',
    info:     'var(--tb-text-soft)',
  };
  const URGENCY_LABEL = {
    critical: '⚠ CRITICAL',
    high:     '🟠 HIGH',
    medium:   '🟡 MEDIUM',
    low:      '🔵 LOW',
    info:     'ℹ INFO',
  };

  // ====================================================================
  // Generators — each returns 0+ action items based on current state.
  //
  // Action item shape:
  //   { id, group, urgency, icon, title, body, deadline?, module?, snoozable? }
  //
  // Generators get the (already-loaded) state via TB.state.get and
  // current date via Date(). Keep them small, pure, and well-named.
  // ====================================================================

  function todayIso() { return new Date().toISOString().slice(0, 10); }
  function daysUntil(iso) {
    if (!iso) return Infinity;
    const d = new Date(iso + 'T00:00:00');
    if (isNaN(d.getTime())) return Infinity;
    const t = new Date(); t.setHours(0,0,0,0);
    return Math.round((d - t) / 86400000);
  }
  function fmtUSD(v) { return TB.utils.formatUSD(v, { maximumFractionDigits: 0 }); }

  // ---- FBAR generators -----------------------------------------------

  function genFbarFilingDeadline() {
    const out = [];
    const now = new Date();
    const year = now.getUTCFullYear();
    // Only fire Jan-Apr. Deadline is April 15 of `year` for last year's
    // accounts. Auto-extended to October 15 if missed.
    const month = now.getUTCMonth() + 1;
    if (month > 4) return out;
    const balances = TB.state.get('fbar.yearly_balances') || [];
    const lastYearAccts = balances.filter((b) => Number(b.year) === year - 1);
    if (lastYearAccts.length === 0) return out;

    // Has any account been "filed" for last year already?
    const filings = TB.state.get('fbar.filing_history') || [];
    const filedLastYear = filings.some((f) => Number(f.year) === year - 1);
    if (filedLastYear) return out; // good, dismiss

    const deadline = year + '-04-15';
    out.push({
      id: 'fbar_filing_' + (year - 1),
      group: 'fbar', urgency: month >= 3 ? 'critical' : 'high',
      icon: '🏦',
      title: 'FBAR for ' + (year - 1) + ' due ' + deadline,
      body: 'You have foreign account balances recorded for ' + (year - 1) +
            ' but no filing logged. FinCEN 114 is due ' + deadline +
            ' (auto-extended to Oct 15). Penalty for non-willful failure: up to $16,536 per report.',
      deadline, module: 'fbar', snoozable: true,
    });
    return out;
  }

  function genFbarTreasuryStale() {
    const out = [];
    const fetchedAt = TB.state.get('settings.fx.treasury_fetched_at');
    const balances = TB.state.get('fbar.yearly_balances') || [];
    if (balances.length === 0) return out;
    const lastYear = (new Date()).getUTCFullYear() - 1;
    const haveLastYearRates = (TB.state.get('settings.fx.treasury_rates') || {})[String(lastYear)];
    if (haveLastYearRates) return out;
    out.push({
      id: 'fbar_treasury_' + lastYear,
      group: 'fbar', urgency: 'medium', icon: '💱',
      title: 'Refresh Treasury rates for ' + lastYear,
      body: 'You don\'t have ' + lastYear + ' Treasury Year-End rates loaded. FBAR uses these to convert foreign currency balances to USD. Refresh from fiscaldata.treasury.gov before filing.',
      module: 'fbar', snoozable: true,
    });
    return out;
  }

  // ---- Assets generators ---------------------------------------------

  function genAssetsStaleBalances() {
    const out = [];
    const accts = (TB.state.get('assets.accounts') || []).filter((a) => a.active);
    const today = new Date();
    const stale = [];
    for (const a of accts) {
      if (!a.updated_at) continue;
      const age = Math.round((today - new Date(a.updated_at + 'T00:00:00')) / 86400000);
      if (age > 120) stale.push({ a, age });
    }
    if (stale.length === 0) return out;
    stale.sort((x, y) => y.age - x.age);
    const top = stale.slice(0, 3);
    const names = top.map((x) =>
      (x.a.institution ? x.a.institution + ' ' : '') + x.a.name + ' (' + x.age + 'd ago)'
    ).join(', ');
    out.push({
      id: 'assets_stale',
      group: 'assets',
      urgency: stale.length > 3 ? 'high' : 'medium',
      icon: '⏱',
      title: stale.length + ' account balance' + (stale.length > 1 ? 's are' : ' is') + ' stale (>120 days)',
      body: 'Refresh: ' + names + (stale.length > 3 ? ' …+' + (stale.length - 3) : '') +
            '. Stale balances make every projection scenario worse.',
      module: 'assets', snoozable: true,
    });
    return out;
  }

  function genAssetsSnapshotDue() {
    const out = [];
    const snaps = TB.state.get('assets.snapshots') || [];
    const accts = (TB.state.get('assets.accounts') || []).filter((a) => a.active);
    if (accts.length === 0) return out;
    if (snaps.length === 0) {
      out.push({
        id: 'assets_first_snapshot',
        group: 'assets', urgency: 'low', icon: '📸',
        title: 'Take your first portfolio snapshot',
        body: 'Snapshots freeze your portfolio state at a point in time. Useful before any major change AND for year-over-year tracking.',
        module: 'assets', snoozable: true,
      });
      return out;
    }
    const last = snaps[snaps.length - 1];
    const age = Math.round((new Date() - new Date(last.taken_at)) / 86400000);
    if (age > 180) {
      out.push({
        id: 'assets_snapshot_' + last.id,
        group: 'assets', urgency: 'low', icon: '📸',
        title: 'Take a portfolio snapshot (last was ' + age + ' days ago)',
        body: 'Your last snapshot was ' + last.taken_at.slice(0, 10) + '. Snapshots are how you track year-over-year growth.',
        module: 'assets', snoozable: true,
      });
    }
    return out;
  }

  function genAssetsCloseDateApproaching() {
    const out = [];
    const accts = (TB.state.get('assets.accounts') || []).filter((a) => a.active);
    for (const a of accts) {
      if (!a.close_date) continue;
      const days = daysUntil(a.close_date);
      if (days < 0 || days > 90) continue;
      const urgency = days <= 7 ? 'critical' : days <= 30 ? 'high' : 'medium';
      out.push({
        id: 'asset_close_' + a.id,
        group: 'assets', urgency, icon: '📅',
        title: (a.name || a.institution) + ' closes in ' + days + ' days',
        body: 'Account "' + (a.name || '(unnamed)') + '" has a close_date of ' + a.close_date +
              (a.transfer_to ? ' — funds transfer to ' + a.transfer_to : '') +
              '. Confirm bank instructions and that the transfer target is set up.',
        deadline: a.close_date, module: 'assets', snoozable: false,
      });
    }
    return out;
  }

  function genAssetsNoBeneficiary() {
    // Superseded by TB.assets.genBeneficiaryMissing (registered via
    // TB.assets.actionGenerators) which uses the same predicate logic
    // as the Beneficiary Review card on the Assets page. Kept as a
    // no-op stub for back-compat with any cached dismissed-action IDs
    // ("assets_no_beneficiary") so users don't see the same item under
    // a new ID and have to re-dismiss it.
    return [];
  }

  function genAssetsFxStale() {
    const out = [];
    const accts = (TB.state.get('assets.accounts') || []).filter((a) => a.active);
    if (accts.length === 0) return out;
    const fetchedAt = TB.state.get('settings.fx.current_fetched_at');
    const liveRates = TB.state.get('settings.fx.current_rates') || {};
    if (!fetchedAt || Object.keys(liveRates).length === 0) {
      out.push({
        id: 'fx_never_fetched',
        group: 'assets', urgency: 'low', icon: '💱',
        title: 'Live FX rates not loaded yet',
        body: 'Currently using hardcoded fallback rates. Click Refresh in Assets to pull live rates from Treasury (free, no auth).',
        module: 'assets', snoozable: true,
      });
      return out;
    }
    const ageDays = Math.round((new Date() - new Date(fetchedAt)) / 86400000);
    if (ageDays > 120) {
      out.push({
        id: 'fx_stale',
        group: 'assets', urgency: 'low', icon: '💱',
        title: 'FX rates are ' + ageDays + ' days old',
        body: 'Treasury publishes quarterly. Refresh in Assets to get the latest rates for your projections.',
        module: 'assets', snoozable: true,
      });
    }
    return out;
  }

  // ---- Projections / tax generators ---------------------------------

  function genProjQuarterlyTax() {
    const out = [];
    const inputs = TB.state.get('projections.inputs') || {};
    // Only fire if user is in retirement (drawing) AND past current_age
    const today = new Date();
    const month = today.getUTCMonth() + 1; // 1-12
    const startYear = today.getUTCFullYear();
    const yearsIn = startYear - (TB.state.get('projections.startYear') || startYear);
    const ageNow = (inputs.current_age || 0) + Math.max(0, yearsIn);
    if (ageNow < (inputs.retire_age || 65)) return out;

    // Quarterly estimated tax months: Apr (Q1), Jun (Q2), Sep (Q3), Jan (Q4-prev).
    // Fire 30 days before each due date.
    const due = [
      { month: 4,  day: 15, label: 'Q1 estimated tax' },
      { month: 6,  day: 15, label: 'Q2 estimated tax' },
      { month: 9,  day: 15, label: 'Q3 estimated tax' },
      { month: 1,  day: 15, label: 'Q4 (prior year) estimated tax' },
    ];
    for (const d of due) {
      // Build the next due date
      let dueYear = startYear;
      if (d.month < month || (d.month === month && d.day < today.getUTCDate())) dueYear = startYear + 1;
      const iso = dueYear + '-' + String(d.month).padStart(2, '0') + '-' + String(d.day).padStart(2, '0');
      const days = daysUntil(iso);
      if (days < 0 || days > 35) continue;
      out.push({
        id: 'proj_qtax_' + dueYear + '_' + d.month,
        group: 'tax', urgency: days <= 7 ? 'high' : 'medium', icon: '🇺🇸',
        title: d.label + ' due ' + iso + ' (in ' + days + 'd)',
        body: 'US estimated tax payment for retirees. Amount = (annual US tax) ÷ 4. See your Projections breakdown for the year-total tax estimate.',
        deadline: iso, module: 'projections', snoozable: false,
      });
    }
    return out;
  }

  function genProjRothWindowJuminhyou() {
    const out = [];
    const sofaProfile = TB.state.get('sofa.profile') || {};
    if (!sofaProfile.juminhyou_target_date) return out;
    const days = daysUntil(sofaProfile.juminhyou_target_date);
    if (days < 0) return out; // already past
    if (days > 540) return out; // too far out, not actionable
    const urgency = days <= 90 ? 'critical' : days <= 180 ? 'high' : 'medium';
    out.push({
      id: 'sofa_juminhyou_window',
      group: 'sofa', urgency, icon: '🟢',
      title: 'Roth conversion window — ' + days + ' days until 住民票',
      body: 'You\'ve set 住民票 registration for ' + sofaProfile.juminhyou_target_date +
            '. Trad → Roth conversions BEFORE that date are US-taxed only. AFTER, Japan also taxes them as ordinary income at 20-45% national + 10% local. Plan your ladder in Projections → Tax Strategy.',
      deadline: sofaProfile.juminhyou_target_date,
      module: 'projections', snoozable: false,
    });
    return out;
  }

  function genProjSsClaimWindow() {
    const out = [];
    const inputs = TB.state.get('projections.inputs') || {};
    const age = inputs.current_age || 0;
    const ssAge = inputs.ss_start_age || 70;
    // Fire when within 2 years of selected SS start age (decision window)
    const yearsToSs = ssAge - age;
    if (yearsToSs < 0 || yearsToSs > 2) return out;
    out.push({
      id: 'proj_ss_decision',
      group: 'tax', urgency: 'medium', icon: '👴',
      title: 'Social Security claim decision window (age ' + ssAge + ' planned)',
      body: 'You\'re within 2 years of your planned SS start age. Compare scenarios at 62 (~70% benefit), 67 (FRA, 100%), and 70 (~124%) in Projections to confirm the optimal claim age for your situation.',
      module: 'projections', snoozable: true,
    });
    return out;
  }

  function genProjRmdYear() {
    const out = [];
    const inputs = TB.state.get('projections.inputs') || {};
    const age = inputs.current_age || 0;
    if (age < 70 || age > 73) return out;
    if (age >= 73) {
      out.push({
        id: 'proj_rmd_now',
        group: 'tax', urgency: 'critical', icon: '⏰',
        title: 'RMD year — Required Minimum Distribution due',
        body: 'Age 73+ requires annual RMDs from Traditional IRA / 401(k) / TSP. Failure = 25% federal excise tax. Confirm your custodian has calculated and set up the distribution.',
        module: 'projections', snoozable: false,
      });
    } else {
      out.push({
        id: 'proj_rmd_approaching',
        group: 'tax', urgency: 'medium', icon: '⏰',
        title: 'RMD age 73 in ' + (73 - age) + ' year(s)',
        body: 'Roth conversions in your low-income window before 73 reduce future RMDs (and the tax burden they create). Use the conversion ladder in Projections → Tax Strategy to plan.',
        module: 'projections', snoozable: true,
      });
    }
    return out;
  }

  function genProjCatchupTransitions() {
    const out = [];
    const inputs = TB.state.get('projections.inputs') || {};
    const age = inputs.current_age || 0;
    if (age === 49) {
      out.push({
        id: 'proj_catchup_50',
        group: 'tax', urgency: 'low', icon: '🎂',
        title: 'You qualify for 50+ catch-up contributions next year',
        body: 'Standard catch-up adds $7,500/yr to 401(k)/403(b)/TSP and $1,000/yr to IRA. Adjust your payroll deferral % at the new year.',
        module: 'projections', snoozable: true,
      });
    } else if (age === 59) {
      out.push({
        id: 'proj_catchup_60',
        group: 'tax', urgency: 'low', icon: '🎂',
        title: 'SECURE 2.0 enhanced catch-up at age 60-63 starts next year',
        body: 'Extra $11,250/yr to 401(k)/403(b)/TSP (vs the standard $7,500). Adjust your deferral % to capture the bigger window before it reverts to standard at 64.',
        module: 'projections', snoozable: true,
      });
    } else if (age === 63) {
      out.push({
        id: 'proj_catchup_64',
        group: 'tax', urgency: 'low', icon: '🎂',
        title: 'Enhanced catch-up reverts to standard $7,500 next year (age 64)',
        body: 'Last year of the SECURE 2.0 enhanced ($11,250) catch-up. Max it now while it\'s available.',
        module: 'projections', snoozable: true,
      });
    }
    return out;
  }

  // ---- SOFA generators ----------------------------------------------

  function genSofaPendingSteps() {
    const out = [];
    const steps = TB.state.get('sofa.steps') || [];
    const sofaProfile = TB.state.get('sofa.profile') || {};
    if (!sofaProfile.juminhyou_target_date) return out;
    const days = daysUntil(sofaProfile.juminhyou_target_date);
    if (days < 0 || days > 365) return out;
    const open = steps.filter((s) =>
      s.status !== 'executed' && s.status !== 'dismissed' &&
      (s.severity === 'critical' || s.severity === 'high')
    );
    if (open.length === 0) return out;
    out.push({
      id: 'sofa_open_critical_steps',
      group: 'sofa',
      urgency: days <= 60 ? 'high' : 'medium', icon: '📋',
      title: open.length + ' critical/high SOFA action' + (open.length > 1 ? 's' : '') + ' still open',
      body: 'You have ' + open.length + ' high-severity sequencer steps marked pending or planned, with 住民票 in ' + days + ' days. Review and execute in SOFA → Sequence.',
      module: 'sofa-roth', snoozable: false,
    });
    return out;
  }

  // ---- Profile generators -------------------------------------------

  function genProfileNoName() {
    const out = [];
    const profile = TB.state.get('profile') || {};
    if (profile.displayName && profile.displayName.trim()) return out;
    out.push({
      id: 'profile_no_name',
      group: 'profile', urgency: 'low', icon: '✏️',
      title: 'Set your name to personalize the dashboard',
      body: 'Re-run onboarding (link at the bottom-right of the dashboard) to add your name — it shows up in the dashboard title.',
      module: null, snoozable: true,
    });
    return out;
  }

  // ---- Master generator list ----------------------------------------

  const GENERATORS = [
    genFbarFilingDeadline,
    genFbarTreasuryStale,
    genAssetsStaleBalances,
    genAssetsSnapshotDue,
    genAssetsCloseDateApproaching,
    genAssetsNoBeneficiary,
    genAssetsFxStale,
    genProjQuarterlyTax,
    genProjRothWindowJuminhyou,
    genProjSsClaimWindow,
    genProjRmdYear,
    genProjCatchupTransitions,
    genSofaPendingSteps,
    genProfileNoName,
  ];

  // Combine the in-file GENERATORS with any externally-registered
  // generator arrays from other modules. Modules expose their
  // generators via TB.<module>.actionGenerators so each module owns
  // its own checks rather than action-center reaching into them.
  function allGenerators() {
    const out = GENERATORS.slice();
    if (TB.docVault && Array.isArray(TB.docVault.actionGenerators)) {
      out.push(...TB.docVault.actionGenerators);
    }
    if (TB.veteran && Array.isArray(TB.veteran.actionGenerators)) {
      out.push(...TB.veteran.actionGenerators);
    }
    if (TB.resident && Array.isArray(TB.resident.actionGenerators)) {
      out.push(...TB.resident.actionGenerators);
    }
    if (TB.taxCoord && Array.isArray(TB.taxCoord.actionGenerators)) {
      out.push(...TB.taxCoord.actionGenerators);
    }
    if (TB.family && Array.isArray(TB.family.actionGenerators)) {
      out.push(...TB.family.actionGenerators);
    }
    if (TB.estate && Array.isArray(TB.estate.actionGenerators)) {
      out.push(...TB.estate.actionGenerators);
    }
    if (TB.netWorth && Array.isArray(TB.netWorth.actionGenerators)) {
      out.push(...TB.netWorth.actionGenerators);
    }
    if (TB.healthcare && Array.isArray(TB.healthcare.actionGenerators)) {
      out.push(...TB.healthcare.actionGenerators);
    }
    if (TB.fxBanking && Array.isArray(TB.fxBanking.actionGenerators)) {
      out.push(...TB.fxBanking.actionGenerators);
    }
    if (TB.decumulation && Array.isArray(TB.decumulation.actionGenerators)) {
      out.push(...TB.decumulation.actionGenerators);
    }
    if (TB.property && Array.isArray(TB.property.actionGenerators)) {
      out.push(...TB.property.actionGenerators);
    }
    if (TB.consultations && Array.isArray(TB.consultations.actionGenerators)) {
      out.push(...TB.consultations.actionGenerators);
    }
    if (TB.assets && Array.isArray(TB.assets.actionGenerators)) {
      out.push(...TB.assets.actionGenerators);
    }
    if (TB.healthTracker && Array.isArray(TB.healthTracker.actionGenerators)) {
      out.push(...TB.healthTracker.actionGenerators);
    }
    if (TB.contacts && Array.isArray(TB.contacts.actionGenerators)) {
      out.push(...TB.contacts.actionGenerators);
    }
    if (TB.sharingBackup && Array.isArray(TB.sharingBackup.actionGenerators)) {
      out.push(...TB.sharingBackup.actionGenerators);
    }
    return out;
  }

  function deriveActions() {
    const dismissed = TB.state.get('action_center.dismissed') || {};
    const today = todayIso();
    const all = [];
    for (const g of allGenerators()) {
      try {
        const items = g() || [];
        for (const item of items) {
          // Filter out dismissed-and-snoozed items.
          const d = dismissed[item.id];
          if (d && d.until && d.until > today) continue;
          all.push(item);
        }
      } catch (err) {
        console.warn('[action-center] generator failed:', err);
      }
    }
    // Sort: urgency first, then deadline ascending (soonest first).
    all.sort((a, b) => {
      const ua = URGENCY_RANK[a.urgency] != null ? URGENCY_RANK[a.urgency] : 99;
      const ub = URGENCY_RANK[b.urgency] != null ? URGENCY_RANK[b.urgency] : 99;
      if (ua !== ub) return ua - ub;
      const da = daysUntil(a.deadline);
      const db = daysUntil(b.deadline);
      return da - db;
    });
    return all;
  }

  function dismissAction(actionId, daysFromNow) {
    daysFromNow = daysFromNow || 365; // default: snooze 1 year
    const dismissed = Object.assign({}, TB.state.get('action_center.dismissed') || {});
    const until = new Date();
    until.setDate(until.getDate() + daysFromNow);
    dismissed[actionId] = { until: until.toISOString().slice(0, 10) };
    TB.state.set('action_center.dismissed', dismissed);
  }

  function clearDismissals() {
    TB.state.set('action_center.dismissed', {});
  }

  // ====================================================================
  // Dashboard widget — top N actions, "View all" link to full module
  // ====================================================================

  function buildWidget() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const actions = deriveActions();
    if (actions.length === 0) {
      // Empty state — still need to give the user a way INTO the
      // module so they can use export/customize/snooze management
      // even when nothing is currently actionable.
      const card = el('div', {
        class: 'tb-card', 'data-track': 'core',
        style: { borderLeft: '4px solid var(--tb-success)' },
      });
      card.appendChild(el('div', {
        style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', marginBottom: 'var(--tb-sp-2)', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
      },
        el('div', { style: { fontWeight: '600', color: 'var(--tb-success)' } },
          '✓ ' + t('action.widget.empty.title')),
        el('a', {
          href: '#',
          style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-navy)' },
          onclick: (e) => {
            e.preventDefault();
            document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'action-center' } }));
          },
        }, t('action.widget.open') + ' →'),
      ));
      card.appendChild(el('p', { class: 'tb-field-help', style: { margin: 0 } },
        t('action.widget.empty.body')));
      // Quick export shortcut so the calendar export is discoverable
      // even with an empty action list (still has document expiries,
      // family deadlines, RMD milestones, etc. in the source data).
      card.appendChild(el('div', { style: { marginTop: 'var(--tb-sp-2)' } },
        el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
          onclick: () => {
            const count = exportToIcs();
            if (count != null) alert(t('action.export.success', { count }));
          },
        }, '📅 ' + t('action.export.button')),
      ));
      return card;
    }

    const TOP_N = 5;
    const top = actions.slice(0, TOP_N);
    const more = actions.length - top.length;

    const card = el('div', {
      class: 'tb-card', 'data-track': 'core',
      style: { borderLeft: '4px solid ' + URGENCY_COLOR[top[0].urgency] },
    });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', marginBottom: 'var(--tb-sp-2)' } },
      el('h3', { style: { margin: 0 } },
        '🎯 ' + t('action.widget.title', { count: actions.length })),
      el('a', {
        href: '#',
        style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-navy)' },
        onclick: (e) => {
          e.preventDefault();
          document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'action-center' } }));
        },
      }, t('action.widget.viewAll') + ' →'),
    ));

    const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-1)' } });
    for (const a of top) list.appendChild(buildActionRow(a, /* compact */ true));
    card.appendChild(list);
    if (more > 0) {
      card.appendChild(el('div', {
        style: { marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' },
      }, t('action.widget.more', { count: more })));
    }
    return card;
  }

  // ====================================================================
  // Full module — grouped by urgency
  // ====================================================================

  function render(container) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    container.innerHTML = '';

    container.appendChild(el('div', { class: 'tb-card', 'data-track': 'core' },
      el('h1', null, '🎯 ' + t('action.title')),
      el('p', { class: 'tb-card-meta' }, t('action.subtitle')),
      el('div', { class: 'tb-btn-row' },
        el('button', {
          class: 'tb-btn', type: 'button',
          style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
          onclick: () => {
            const count = exportToIcs();
            if (count != null) {
              alert(t('action.export.success', { count }));
            }
          },
        }, '📅 ' + t('action.export.button')),
        el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
          onclick: () => {
            if (confirm(t('action.clearDismissed.confirm'))) {
              clearDismissals();
              render(container);
            }
          },
        }, t('action.clearDismissed.button')),
      ),
      el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
        t('action.export.help')),
    ));

    const actions = deriveActions();
    if (actions.length === 0) {
      container.appendChild(el('div', { class: 'tb-card', 'data-track': 'core',
        style: { borderLeft: '4px solid var(--tb-success)' } },
        el('h3', { style: { color: 'var(--tb-success)', marginTop: 0 } }, '✓ ' + t('action.empty.title')),
        el('p', null, t('action.empty.body')),
      ));
      return;
    }

    // Group by urgency
    const byUrgency = {};
    for (const a of actions) {
      (byUrgency[a.urgency] = byUrgency[a.urgency] || []).push(a);
    }
    const order = ['critical', 'high', 'medium', 'low', 'info'];
    for (const u of order) {
      if (!byUrgency[u]) continue;
      const card = el('div', { class: 'tb-card', 'data-track': 'core' });
      card.appendChild(el('h3', {
        style: { marginTop: 0, color: URGENCY_COLOR[u] },
      }, URGENCY_LABEL[u] + ' · ' + byUrgency[u].length));
      for (const a of byUrgency[u]) {
        card.appendChild(buildActionRow(a, /* compact */ false));
      }
      container.appendChild(card);
    }
  }

  function buildActionRow(action, compact) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const color = URGENCY_COLOR[action.urgency] || 'var(--tb-text-soft)';
    // Dashboard-widget rows (compact) become clickable when the action
    // points at a module — saves the user the "View all → click" round
    // trip. Full-module rows already have an explicit "Open module"
    // button so they don't need the wrapping click handler.
    const isClickable = compact && !!action.module;
    const wrap = el('div', {
      style: {
        borderLeft: '3px solid ' + color,
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        marginBottom: compact ? 0 : 'var(--tb-sp-2)',
        background: compact ? 'var(--tb-bg)' : 'var(--tb-bg-elev)',
        borderRadius: 'var(--tb-radius-1)',
        cursor: isClickable ? 'pointer' : 'default',
        transition: 'background 0.12s ease',
      },
      title: isClickable
        ? t('action.row.clickHint', { module: t('nav.' + action.module) || action.module })
        : null,
      onmouseover: isClickable ? (e) => { e.currentTarget.style.background = 'var(--tb-bg-elev)'; } : null,
      onmouseout:  isClickable ? (e) => { e.currentTarget.style.background = 'var(--tb-bg)'; } : null,
      onclick: isClickable
        ? () => document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: action.module } }))
        : null,
    });

    const titleRow = el('div', { style: { display: 'flex', alignItems: 'baseline', gap: 'var(--tb-sp-2)' } },
      el('span', { style: { fontSize: compact ? '14px' : '16px' } }, action.icon || '•'),
      el('span', { style: { fontWeight: '600', flex: '1' } }, action.title),
      action.deadline ? el('span', {
        style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', fontFamily: 'var(--tb-font-mono)' },
        title: action.deadline,
      }, action.deadline) : null,
      isClickable ? el('span', {
        style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' },
      }, '→') : null,
    );
    wrap.appendChild(titleRow);

    if (!compact) {
      wrap.appendChild(el('p', { style: { margin: '4px 0 var(--tb-sp-2)', fontSize: 'var(--tb-fs-14)', lineHeight: '1.5' } },
        action.body));

      const btnRow = el('div', { style: { display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' } });
      if (action.module) {
        btnRow.appendChild(el('button', {
          class: 'tb-btn', type: 'button',
          style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
          onclick: () => document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: action.module } })),
        }, t('action.row.openModule', { module: t('nav.' + action.module) || action.module }) + ' →'));
      }
      if (action.snoozable !== false) {
        btnRow.appendChild(el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
          onclick: () => {
            dismissAction(action.id, 365);
            render(document.getElementById('tb-view'));
          },
        }, t('action.row.snooze')));
      }
      wrap.appendChild(btnRow);
    }
    return wrap;
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id,
    label_en: 'Action Center',
    label_jp: 'アクション・センター',
    render,
  };

  // ====================================================================
  // iCal export — turns every date-bearing item into a downloadable
  // .ics file the user can import into Google / Apple / Outlook
  // calendars. Source data: Action Center deadlines + key state
  // dates (passport expiries, 国籍選択 deadlines, RMD age, etc.)
  // that don't necessarily appear in the action list.
  // ====================================================================

  function escapeIcs(str) {
    return String(str || '')
      .replace(/\\/g, '\\\\')
      .replace(/;/g, '\\;')
      .replace(/,/g, '\\,')
      .replace(/\n/g, '\\n');
  }
  function icsDate(iso) {
    // YYYY-MM-DD → YYYYMMDD (DTSTART;VALUE=DATE format)
    return iso.slice(0, 10).replace(/-/g, '');
  }
  function icsTimestamp() {
    // YYYYMMDDTHHMMSSZ for DTSTAMP
    const d = new Date();
    return d.toISOString().replace(/[-:]/g, '').split('.')[0] + 'Z';
  }

  // Builds the full set of dated events for the .ics file. Sources:
  //   1. Every Action Center generator with `deadline` field
  //   2. Document Vault items with expiry_date
  //   3. Family.members passport expiries + 国籍選択 deadlines
  //   4. Estate / Resident derived dates (10y clock, PR eligibility)
  //   5. Decumulation milestones (SS 62/67/70, RMD 73)
  function collectCalendarEvents() {
    const events = [];

    // 1. Action Center deadlines
    try {
      const actions = deriveActions();
      actions.forEach((a) => {
        if (!a.deadline) return;
        events.push({
          uid: 'tb-action-' + a.id,
          date: a.deadline,
          summary: a.title,
          description: a.body || '',
          category: 'Action',
        });
      });
    } catch (err) { console.warn('[ics] action collection failed:', err); }

    // 2. Document Vault expiries
    try {
      const items = TB.state.get('documentVault.items') || [];
      items.forEach((it) => {
        if (!it.expiry_date) return;
        events.push({
          uid: 'tb-vault-' + it.id,
          date: it.expiry_date,
          summary: 'Expires: ' + (it.title || it.type),
          description: 'Document Vault item' + (it.notes ? ': ' + it.notes : ''),
          category: 'Document',
        });
      });
    } catch (err) { /* swallow */ }

    // 3. Family — passports + nationality choice
    try {
      const members = TB.state.get('family.members') || [];
      members.forEach((m) => {
        const name = m.name_en || m.name_jp || 'family member';
        ['passport_us', 'passport_jp'].forEach((k) => {
          const pp = m[k];
          if (!pp || !pp.expires) return;
          events.push({
            uid: 'tb-pp-' + m.id + '-' + k,
            date: pp.expires,
            summary: 'Passport expires: ' + name + ' (' + (k === 'passport_us' ? 'US' : 'JP') + ')',
            description: 'Renew passport — file 9-12 months before expiry to avoid travel disruption.',
            category: 'Passport',
          });
        });
        // 国籍選択 for dual citizens — 20th birthday (acquired before 18)
        if (m.relationship === 'child' && m.birth_date) {
          const cit = m.citizenships || [];
          if (cit.indexOf('US') !== -1 && cit.indexOf('JP') !== -1) {
            const b = new Date(m.birth_date + 'T00:00:00');
            // Dual-from-birth (acquired before 18) → choose by age 20 under
            // the post-2022 Nationality Act Art. 14. (Was +22 pre-2022.)
            b.setFullYear(b.getFullYear() + 20);
            const dateStr = b.toISOString().slice(0, 10);
            events.push({
              uid: 'tb-natchoice-' + m.id,
              date: dateStr,
              summary: '国籍選択 by age 20: ' + name,
              description: 'Japanese Nationality Act Art. 14 — date by which a dual-from-birth national is asked to choose a nationality. This is a non-penalized "duty of effort": missing it carries no automatic loss, and the Ministry\'s formal demand (催告) has never been issued to anyone. Filing 国籍選択届 selecting Japanese does not renounce US citizenship. Confirm the formal record via 戸籍謄本 (法務局 / 行政書士 can verify).',
              category: 'Family',
            });
          }
        }
      });
    } catch (err) { /* swallow */ }

    // 4. Resident — 10-year clock
    try {
      if (TB.resident && typeof TB.resident.tenYearClock === 'function') {
        const clock = TB.resident.tenYearClock();
        if (clock && clock.date && clock.days >= 0) {
          events.push({
            uid: 'tb-tenyear-clock',
            date: clock.date,
            summary: '10-year worldwide-asset clock (永住者 status begins)',
            description: 'JP estate tax expands from JP-situs only to WORLDWIDE assets. Plan inheritance mitigation BEFORE this date.',
            category: 'Estate',
          });
        }
      }
      if (TB.resident && typeof TB.resident.prEligibilityDate === 'function') {
        const elig = TB.resident.prEligibilityDate();
        if (elig && elig.date && elig.days > 0) {
          events.push({
            uid: 'tb-pr-eligibility',
            date: elig.date,
            summary: '永住権 (PR) eligibility date',
            description: 'Based on your visa + arrival date, you become eligible to apply for Japanese Permanent Residency on this date.',
            category: 'Immigration',
          });
        }
      }
    } catch (err) { /* swallow */ }

    // 5. Decumulation milestones — SS claim ages + RMD age
    try {
      const age = TB.state.get('projections.inputs.current_age');
      if (typeof age === 'number') {
        // We have age but not birthday; approximate using current month as a placeholder
        const yearsTo = (target) => target - age;
        [
          { target: 62, key: 'ss62', summary: 'Social Security earliest claim age (62)',
            desc: 'Earliest you can claim US SS, with ~30% reduction below FRA. Trade-off: more years of payments but smaller monthly check.' },
          { target: 65, key: 'medicare65', summary: 'Medicare eligibility (65) + IEP opens',
            desc: 'Initial Enrollment Period: 3 months before, the birthday month, and 3 months after. Late enrollment penalty for life if missed.' },
          { target: 67, key: 'ss_fra', summary: 'Full Retirement Age for Social Security (67)',
            desc: 'No early-claim reduction. Each year of further delay adds ~8% to monthly benefit until age 70.' },
          { target: 70, key: 'ss70', summary: 'Maximum SS benefit age (70)',
            desc: 'No further increase past 70. Claim by this date or lose the additional credits.' },
          { target: 73, key: 'rmd73', summary: 'RMD begins (73) — required minimum distributions',
            desc: 'Required Minimum Distributions from pre-tax accounts begin the year you turn 73. Penalty for missing: 25% of shortfall.' },
        ].forEach((m) => {
          const yrsAway = yearsTo(m.target);
          if (yrsAway < 0 || yrsAway > 30) return;
          // Place the event approximately in the right year — we don't
          // have birthday, so use this year + yrsAway as a rough date.
          const targetYear = new Date().getFullYear() + Math.max(0, yrsAway);
          const dateStr = targetYear + '-01-15';  // arbitrary mid-January
          events.push({
            uid: 'tb-decum-' + m.key,
            date: dateStr,
            summary: m.summary,
            description: m.desc + ' (Approximate — based on current_age=' + age + ' from Projections inputs.)',
            category: 'Retirement',
          });
        });
      }
    } catch (err) { /* swallow */ }

    return events;
  }

  // Builds the .ics text body. RFC 5545 compliant; line-folded.
  function buildIcsString(events) {
    const lines = [];
    lines.push('BEGIN:VCALENDAR');
    lines.push('VERSION:2.0');
    lines.push('PRODID:-//Taigan Bridge//Tax Calendar//EN');
    lines.push('CALSCALE:GREGORIAN');
    lines.push('METHOD:PUBLISH');
    lines.push('X-WR-CALNAME:Taigan Bridge — Tax & Compliance Calendar');
    lines.push('X-WR-CALDESC:Auto-generated deadlines from Taigan Bridge state. Re-export anytime your data changes.');
    lines.push('X-WR-TIMEZONE:Asia/Tokyo');
    const stamp = icsTimestamp();
    events.forEach((ev) => {
      lines.push('BEGIN:VEVENT');
      lines.push('UID:' + ev.uid + '@taigan-bridge.local');
      lines.push('DTSTAMP:' + stamp);
      lines.push('DTSTART;VALUE=DATE:' + icsDate(ev.date));
      lines.push('SUMMARY:' + escapeIcs(ev.summary));
      if (ev.description) lines.push('DESCRIPTION:' + escapeIcs(ev.description));
      if (ev.category) lines.push('CATEGORIES:' + escapeIcs(ev.category));
      // 1-day all-day event (DTEND = DTSTART + 1 day)
      const next = new Date(ev.date + 'T00:00:00');
      next.setDate(next.getDate() + 1);
      lines.push('DTEND;VALUE=DATE:' + icsDate(next.toISOString().slice(0, 10)));
      // Add a 7-day-before reminder by default
      lines.push('BEGIN:VALARM');
      lines.push('ACTION:DISPLAY');
      lines.push('DESCRIPTION:' + escapeIcs(ev.summary));
      lines.push('TRIGGER:-P7D');
      lines.push('END:VALARM');
      lines.push('END:VEVENT');
    });
    lines.push('END:VCALENDAR');
    return lines.join('\r\n');
  }

  // Public — generates + downloads a .ics file with all collected events.
  function exportToIcs() {
    const events = collectCalendarEvents();
    if (events.length === 0) {
      alert('No dated events found. Add some state (action items, document expiries, family members) first.');
      return null;
    }
    const ics = buildIcsString(events);
    const today = new Date().toISOString().slice(0, 10);
    const blob = new Blob([ics], { type: 'text/calendar;charset=utf-8' });
    const url = URL.createObjectURL(blob);
    const a = document.createElement('a');
    a.href = url;
    a.download = 'taigan-bridge-calendar-' + today + '.ics';
    document.body.appendChild(a);
    a.click();
    document.body.removeChild(a);
    URL.revokeObjectURL(url);
    return events.length;
  }

  window.TB.actionCenter = {
    deriveActions,
    buildWidget,
    dismissAction,
    clearDismissals,
    // Calendar export — used by the "📅 Export to calendar (.ics)"
    // button in the Action Center main view.
    collectCalendarEvents,
    buildIcsString,
    exportToIcs,
  };
})();

</script>
  <script data-source="scripts/modules/document-vault.js">
/* Taigan Bridge — modules/document-vault.js
 *
 * Document Vault — INVENTORY of important documents (passport, will,
 * deed, tax returns, etc.) with extracted metadata, expiry tracking,
 * and storage location. Pairs with the Survivor Binder.
 *
 * Inventory-only by design: we don't store the actual file bytes,
 * just the extracted fields + a free-form storage location ("safe
 * deposit box at Mizuho 渋谷", "iCloud Drive / Documents / Tax",
 * "physical fireproof box top shelf"). Keeps localStorage light AND
 * keeps sensitive scans off the device. Vision extraction is the
 * speed-of-entry tool, not a storage tool.
 *
 * Action Center integration:
 *   • passport_us / passport_jp expiring within 6 months → action
 *   • drivers_license / residence_card / visa within 90 days → action
 *   • will not updated in 5+ years → action
 *   • Critical missing docs (no passport, no will) → low-priority action
 *
 * Survivor Binder integration: docs surface in the printed binder
 * grouped by category, with title / expiry / storage location.
 */

(function () {
  'use strict';

  const id = 'document-vault';

  // ====================================================================
  // Taxonomy
  // ====================================================================

  const CATEGORIES = [
    { id: 'identification', emoji: '🪪', label_en: 'Identification',     label_jp: '身分証明書' },
    { id: 'immigration',    emoji: '🛂', label_en: 'Immigration / Visa', label_jp: '入国管理・ビザ' },
    { id: 'family',         emoji: '👨‍👩‍👧', label_en: 'Family',         label_jp: '家族' },
    { id: 'military_sofa',  emoji: '🪖', label_en: 'Military / SOFA',    label_jp: '軍関連・SOFA' },
    { id: 'estate',         emoji: '📜', label_en: 'Estate planning',    label_jp: '相続・遺言' },
    { id: 'property',       emoji: '🏠', label_en: 'Property',           label_jp: '不動産' },
    { id: 'insurance',      emoji: '🛡️', label_en: 'Insurance',          label_jp: '保険' },
    { id: 'tax',            emoji: '🧾', label_en: 'Tax records',        label_jp: '税務書類' },
    { id: 'medical',        emoji: '🏥', label_en: 'Medical',            label_jp: '医療' },
    { id: 'legal',          emoji: '⚖️', label_en: 'Legal',              label_jp: '法務' },
    { id: 'other',          emoji: '📄', label_en: 'Other',              label_jp: 'その他' },
  ];

  const TYPES = {
    passport_us:           { cat: 'identification', label_en: 'US Passport',                label_jp: '米国パスポート',       expirable: true },
    passport_jp:           { cat: 'identification', label_en: 'Japanese Passport',          label_jp: '日本国パスポート',     expirable: true },
    passport_other:        { cat: 'identification', label_en: 'Other Passport',             label_jp: 'その他パスポート',     expirable: true },
    drivers_license_us:    { cat: 'identification', label_en: 'US Driver\'s License',       label_jp: '米国運転免許証',       expirable: true },
    drivers_license_jp:    { cat: 'identification', label_en: 'Japanese Driver\'s License', label_jp: '日本運転免許証',       expirable: true },
    drivers_license_intl:  { cat: 'identification', label_en: 'International Driving Permit', label_jp: '国際運転免許証',     expirable: true },
    residence_card_jp:     { cat: 'immigration',    label_en: 'Japanese Residence Card (在留カード)', label_jp: '在留カード', expirable: true },
    my_number_card_jp:     { cat: 'identification', label_en: 'My Number Card (マイナンバー)', label_jp: 'マイナンバーカード', expirable: true },
    ssn_card:              { cat: 'identification', label_en: 'Social Security Card',       label_jp: '社会保障カード',       expirable: false },
    naturalization_cert:   { cat: 'immigration',    label_en: 'Naturalization Certificate', label_jp: '帰化証明書',           expirable: false },
    green_card:            { cat: 'immigration',    label_en: 'US Green Card (LPR)',        label_jp: '米国永住権カード',     expirable: true },
    visa:                  { cat: 'immigration',    label_en: 'Visa',                       label_jp: 'ビザ',                 expirable: true },
    dd214:                 { cat: 'military_sofa',  label_en: 'DD-214',                     label_jp: 'DD-214',               expirable: false },
    military_id:           { cat: 'military_sofa',  label_en: 'Military ID',                label_jp: '軍人身分証',           expirable: true },
    sofa_orders:           { cat: 'military_sofa',  label_en: 'SOFA Orders',                label_jp: 'SOFA 命令書',          expirable: false },
    birth_cert:            { cat: 'family',         label_en: 'Birth Certificate',          label_jp: '出生証明書',           expirable: false },
    marriage_cert:         { cat: 'family',         label_en: 'Marriage Certificate',       label_jp: '婚姻証明書',           expirable: false },
    divorce_decree:        { cat: 'family',         label_en: 'Divorce Decree',             label_jp: '離婚判決書',           expirable: false },
    will:                  { cat: 'estate',         label_en: 'Will',                       label_jp: '遺言書',               expirable: false },
    trust_doc:             { cat: 'estate',         label_en: 'Trust Document',             label_jp: '信託書類',             expirable: false },
    poa:                   { cat: 'estate',         label_en: 'Power of Attorney',          label_jp: '委任状(POA)',         expirable: false },
    advance_directive:     { cat: 'estate',         label_en: 'Advance Directive / Living Will', label_jp: '事前指示書',       expirable: false },
    beneficiary_designation: { cat: 'estate',       label_en: 'Beneficiary Designation',    label_jp: '受取人指定書',         expirable: false },
    property_deed:         { cat: 'property',       label_en: 'Property Deed',              label_jp: '不動産権利証',         expirable: false },
    mortgage_doc:          { cat: 'property',       label_en: 'Mortgage Document',          label_jp: '住宅ローン書類',       expirable: false },
    vehicle_title:         { cat: 'property',       label_en: 'Vehicle Title',              label_jp: '自動車所有権証書',     expirable: false },
    insurance_health:      { cat: 'insurance',      label_en: 'Health Insurance',           label_jp: '健康保険',             expirable: true },
    insurance_life:        { cat: 'insurance',      label_en: 'Life Insurance',             label_jp: '生命保険',             expirable: false },
    insurance_auto:        { cat: 'insurance',      label_en: 'Auto Insurance',             label_jp: '自動車保険',           expirable: true },
    insurance_home:        { cat: 'insurance',      label_en: 'Home Insurance',             label_jp: '住宅保険',             expirable: true },
    tax_return_us:         { cat: 'tax',            label_en: 'US Tax Return',              label_jp: '米国納税申告書',       expirable: false },
    tax_return_jp:         { cat: 'tax',            label_en: 'Japan Tax Return (確定申告)', label_jp: '確定申告書',           expirable: false },
    fbar_confirmation:     { cat: 'tax',            label_en: 'FBAR BSA Confirmation',      label_jp: 'FBAR 受領確認',        expirable: false },
    w2:                    { cat: 'tax',            label_en: 'W-2',                        label_jp: 'W-2 源泉徴収票',       expirable: false },
    ten99:                 { cat: 'tax',            label_en: '1099 Form',                  label_jp: '1099 フォーム',        expirable: false },
    employment_contract:   { cat: 'legal',          label_en: 'Employment Contract',        label_jp: '雇用契約書',           expirable: false },
    vaccination_record:    { cat: 'medical',        label_en: 'Vaccination Record',         label_jp: '予防接種記録',         expirable: false },
    medical_record:        { cat: 'medical',        label_en: 'Medical Record',             label_jp: '診療記録',             expirable: false },
    other:                 { cat: 'other',          label_en: 'Other',                      label_jp: 'その他',               expirable: false },
  };

  // Renewal checklists. Per document type, the typical "what do I need
  // to gather + where do I go" for a renewal. Surfaced in the edit
  // modal as a collapsible section + by the Action Center generators
  // when the document is approaching expiry. Bilingual; fact-checked
  // against US State Department + 日本国外務省 + 警視庁 public guidance.
  const RENEWAL_CHECKLISTS = {
    passport_us: {
      where_en: 'US Embassy Tokyo / US Consulates (Osaka-Kobe, Naha, Sapporo, Fukuoka). DS-82 by mail if no name change + previous passport issued at age 16+ within last 15 years; otherwise DS-11 in person.',
      where_jp: '東京の米国大使館 / 領事館(大阪・神戸・那覇・札幌・福岡)。改名なし + 16 歳以上で発行された前パスポートが 15 年以内なら DS-82 で郵送、それ以外は DS-11 で本人出頭。',
      needs_en: [
        'Previous passport (or police report if lost/stolen)',
        '2 passport photos (US-spec 2"×2", white background, taken within 6 months)',
        'Form DS-82 (renewal by mail) or DS-11 (in person)',
        'Payment by check/money order to "U.S. Department of State" — no cash, no credit at posts',
        'Proof of name change if applicable (marriage certificate, court order)',
      ],
      needs_jp: [
        '旧パスポート(紛失・盗難の場合は警察証明書)',
        'パスポート用写真 2 枚(米国規格 2"×2"・白背景・6 ヶ月以内撮影)',
        'DS-82 申請書(郵送更新)または DS-11(本人出頭)',
        '"U.S. Department of State" 宛の小切手・マネーオーダー(現金・クレジット不可)',
        '改名がある場合の証明書(婚姻証明書・裁判所命令等)',
      ],
      lead_time_en: '6–10 weeks routine, 2–3 weeks expedited',
      lead_time_jp: '通常 6〜10 週・速達 2〜3 週',
    },
    passport_jp: {
      where_en: 'Prefectural passport office (旅券課) — every prefecture has one. Renew up to 1 year before expiry. Children under 18 need parental consent.',
      where_jp: '各都道府県の旅券課。有効期限 1 年前から更新可能。18 歳未満は親権者同意が必要。',
      needs_en: [
        '一般旅券発給申請書 (passport application form, available at the 旅券課)',
        'Current passport',
        '戸籍謄本 or 戸籍抄本 (issued within 6 months) — required for first-time AND name-change renewals',
        '6-month-recent passport photo (4.5×3.5 cm, JP-spec)',
        '手数料 (¥16,000 for 10y / ¥11,000 for 5y, by 収入印紙 + 都道府県収入証紙)',
        'For dual-citizen children: confirmation that 国籍選択 won\'t be an issue (renewal does not by itself count as choosing JP nationality)',
      ],
      needs_jp: [
        '一般旅券発給申請書(旅券課窓口で入手)',
        '現有パスポート',
        '戸籍謄本または戸籍抄本(発行から 6 ヶ月以内) — 初回および改名時に必須',
        '6 ヶ月以内に撮影したパスポート写真(4.5×3.5cm・日本規格)',
        '手数料(10 年用 ¥16,000・5 年用 ¥11,000・収入印紙 + 都道府県収入証紙で納付)',
        '二重国籍の子の場合:更新自体は国籍選択行為ではない点を確認',
      ],
      lead_time_en: '1 week (申請から受領まで)',
      lead_time_jp: '申請から受領まで約 1 週間',
    },
    residence_card_jp: {
      where_en: 'Local immigration office (入国管理局 → 出入国在留管理庁). Apply 3 months before expiry for renewal of period of stay.',
      where_jp: '管轄の入国管理局(出入国在留管理庁)。在留期間更新は満了日の 3 ヶ月前から申請可能。',
      needs_en: [
        '申請書 (form depends on visa category — work, spouse, PR, etc.)',
        'Current residence card',
        'Passport',
        '住民票 (issued within 3 months)',
        '在職証明書 / 雇用契約書 (employment proof, if work visa)',
        '所得税関連書類 (gensen choshu hyo / kakutei shinkoku copy)',
        '住民税納税証明書 (resident-tax payment certificate)',
        'Photo (4×3 cm, taken within 3 months)',
        '手数料 ¥4,000 (収入印紙 paid on grant)',
      ],
      needs_jp: [
        '在留期間更新許可申請書(ビザカテゴリーにより異なる:就労・配偶者・永住等)',
        '現在の在留カード',
        'パスポート',
        '住民票(発行 3 ヶ月以内)',
        '在職証明書または雇用契約書(就労ビザの場合)',
        '所得税関連書類(源泉徴収票・確定申告書の写し)',
        '住民税納税証明書',
        '写真(4×3cm・3 ヶ月以内撮影)',
        '手数料 ¥4,000(許可時に収入印紙で納付)',
      ],
      lead_time_en: '2 weeks – 3 months processing',
      lead_time_jp: '審査期間 2 週間〜3 ヶ月',
    },
    drivers_license_us: {
      where_en: 'US state DMV. Most states allow online renewal, otherwise in-person. Check expiry date — most states won\'t renew more than 6 months early.',
      where_jp: '米国の州 DMV。多くの州はオンライン更新可、それ以外は窓口。早期更新は通常 6 ヶ月前まで。',
      needs_en: [
        'Current driver\'s license',
        'State-specific renewal form (often online)',
        'Vision test (most states)',
        'Updated address if different (Real ID compliance requires US address documentation)',
      ],
      needs_jp: [
        '現在の運転免許証',
        '州別の更新申請書(多くはオンライン)',
        '視力検査(ほとんどの州)',
        '住所更新(変更がある場合・Real ID は米国住所の証明書類が必要)',
      ],
      lead_time_en: '2-6 weeks for physical card; some states issue temporary printout same-day',
      lead_time_jp: '物理カード受領まで 2〜6 週・一部の州は仮免許を即日発行',
    },
    drivers_license_jp: {
      where_en: 'Run by 警察 — go to your prefecture\'s 運転免許試験場 OR designated 警察署. Renew within 1 month before/after birthday in the renewal year. Gold license (5y) vs blue (3y) vs green (3y, new driver).',
      where_jp: '警察管轄。所轄の運転免許試験場または指定警察署。更新年の誕生日 1 ヶ月前〜1 ヶ月後に手続き。優良(ゴールド・5 年)・一般(ブルー・3 年)・新規(グリーン・3 年)。',
      needs_en: [
        '更新連絡書 (renewal notice mailed ~30-45 days before expiry)',
        'Current 運転免許証',
        '住民票 or マイナンバーカード (some prefectures need address verification)',
        '更新時講習料 (¥3,000-¥3,850 by violation history)',
        '写真 — taken on-site at most centers',
        'Vision test (on-site)',
      ],
      needs_jp: [
        '更新連絡書(有効期限の 30〜45 日前に郵送される)',
        '現在の運転免許証',
        '住民票またはマイナンバーカード(都道府県により住所確認に必要)',
        '更新時講習料(違反歴により ¥3,000〜¥3,850)',
        '写真 — ほとんどのセンターで現地撮影',
        '視力検査(現地)',
      ],
      lead_time_en: 'Same day at most centers',
      lead_time_jp: 'ほとんどのセンターで即日交付',
    },
    visa: {
      where_en: 'Same as residence_card_jp — handled by 出入国在留管理庁.',
      where_jp: 'residence_card_jp と同様 — 出入国在留管理庁が管轄。',
      needs_en: ['See residence card renewal — same paperwork.'],
      needs_jp: ['在留カード更新と同じ書類セット。'],
      lead_time_en: '2 weeks – 3 months',
      lead_time_jp: '審査期間 2 週間〜3 ヶ月',
    },
    green_card: {
      where_en: 'USCIS Form I-90 (online or paper). Renew within 6 months of expiry. If outside the US for >6 months, expect secondary inspection on return.',
      where_jp: 'USCIS Form I-90(オンラインまたは紙)。有効期限の 6 ヶ月以内に更新。6 ヶ月以上の米国外滞在後の再入国は二次審査の対象。',
      needs_en: [
        'Form I-90 (currently $540 + $85 biometrics)',
        'Two passport-style photos',
        'Copy of expiring green card',
        'Proof of continued US residence intent (US tax returns, US property, etc.) — important for expats',
      ],
      needs_jp: [
        'Form I-90(現行 $540 + 生体認証 $85)',
        'パスポート規格写真 2 枚',
        '失効間近の永住権カードのコピー',
        '米国居住意思の証明(米国納税申告書・米国不動産等)— 国外居住者には重要',
      ],
      lead_time_en: '6-12 months processing; receipt notice extends validity by 24 months',
      lead_time_jp: '審査 6〜12 ヶ月・受領通知で有効期限が 24 ヶ月延長',
    },
    my_number_card_jp: {
      where_en: '区役所 / 市役所 — your local municipality. Renew electronic certificate (5y) and physical card (10y for adults / 5y for minors) at the city hall counter.',
      where_jp: 'お住まいの区役所・市役所。電子証明書(5 年)と物理カード(成人 10 年・未成年 5 年)を市役所窓口で更新。',
      needs_en: [
        '更新案内 (mailed by your municipality before expiry)',
        'Current my number card',
        'Photo ID (if card is expired)',
      ],
      needs_jp: [
        '更新案内(満了前に自治体から郵送)',
        '現在のマイナンバーカード',
        '写真付き身分証明書(カード失効済みの場合)',
      ],
      lead_time_en: 'Same day for electronic certificate; 2-4 weeks for new physical card',
      lead_time_jp: '電子証明書は即日・新規物理カードは 2〜4 週',
    },
  };

  function getRenewalChecklist(typeId) { return RENEWAL_CHECKLISTS[typeId] || null; }

  // ====================================================================
  // Cross-module linkage
  // ====================================================================
  //
  // A document can reference a record in another module: a passport
  // belongs to a family member, a deed to a property, a beneficiary
  // form to an asset account. Schema:
  //
  //   linked_module : 'family' | 'property' | 'assets' | null
  //   linked_id     : string id within that module
  //
  // The pickers below build {id, label} lists from each linked module
  // so the edit modal can offer real choices, not free-text. Each
  // module's display label is built lang-aware.

  function linkableModulesForType(typeId) {
    const t = TYPES[typeId];
    if (!t) return [];
    switch (t.cat) {
      case 'identification':
      case 'immigration':
      case 'family':
        return ['family'];
      case 'medical':
        // Medical docs can link to family (whose record) AND to the
        // Health Tracker for binder-style cross-reference.
        return ['family', 'health-tracker'];
      case 'property':
        return ['property', 'assets'];
      case 'estate':
        return ['family', 'property', 'assets'];
      case 'tax':
        return ['assets', 'family', 'property'];
      case 'insurance':
        // Insurance health cards link to Health Tracker; others (life,
        // auto, home) link to the existing modules.
        return ['health-tracker', 'assets', 'family', 'property'];
      default:
        return ['family', 'property', 'assets'];
    }
  }

  function linkableRecords(moduleId, lang) {
    if (moduleId === 'family') {
      const members = (TB.state.get('family.members') || []);
      return members
        .filter(m => m && (m.id || m.name))
        .map(m => ({
          id: m.id || m.name,
          label: (m.name || '?') + (m.relationship ? ' (' + m.relationship + ')' : ''),
        }));
    }
    if (moduleId === 'property') {
      const props = (TB.state.get('property.properties') || []);
      return props
        .filter(p => p && p.id)
        .map(p => ({
          id: p.id,
          label: (p.label || p.address || p.city || p.type || p.id) +
            (p.country ? ' · ' + p.country : ''),
        }));
    }
    if (moduleId === 'assets') {
      const accts = (TB.state.get('assets.accounts') || []);
      return accts
        .filter(a => a && a.id)
        .map(a => ({
          id: a.id,
          label: (a.institution || '?') + (a.name ? ' · ' + a.name : '') +
            (a.country ? ' · ' + a.country : ''),
        }));
    }
    if (moduleId === 'health-tracker') {
      // Health Tracker has a small set of singleton records that docs
      // can be linked to. Episodes are listed when present.
      const out = [];
      out.push({ id: 'insurance_summary', label: lang === 'ja' ? '保険サマリー' : 'Insurance summary' });
      const eps = (TB.state.get('health_tracker.episodes') || []);
      for (const ep of eps) {
        if (!ep || !ep.id) continue;
        out.push({
          id: ep.id,
          label: (lang === 'ja' ? 'ケアエピソード: ' : 'Care episode: ') + (ep.title || ep.id),
        });
      }
      return out;
    }
    return [];
  }

  function moduleLabel(moduleId, lang) {
    const map = {
      family:   { en: 'Family member', jp: '家族メンバー' },
      property: { en: 'Property',      jp: '不動産' },
      assets:   { en: 'Asset account', jp: '資産口座' },
      'health-tracker': { en: 'Health Tracker', jp: 'ヘルストラッカー' },
    };
    const e = map[moduleId];
    return e ? (lang === 'ja' ? e.jp : e.en) : moduleId;
  }

  // Public helper: given a (moduleId, recordId), return the list of
  // documents linked to it. Used by other modules to render "Linked
  // documents" sections — passports, deeds, statements, etc.
  function getDocsLinkedTo(moduleId, recordId) {
    if (!moduleId || !recordId) return [];
    return getItems().filter(d => d.linked_module === moduleId && d.linked_id === recordId);
  }

  function typeLabel(typeId, lang) {
    const t = TYPES[typeId];
    if (!t) return typeId;
    return lang === 'ja' ? t.label_jp : t.label_en;
  }
  function categoryLabel(catId, lang) {
    const c = CATEGORIES.find((x) => x.id === catId);
    return c ? (lang === 'ja' ? c.label_jp : c.label_en) : catId;
  }
  function categoryEmoji(catId) {
    const c = CATEGORIES.find((x) => x.id === catId);
    return c ? c.emoji : '📄';
  }

  // ====================================================================
  // State accessors
  // ====================================================================

  function getItems()      { return TB.state.get('documentVault.items') || []; }
  function setItemsList(arr)   { TB.state.set('documentVault.items', arr); }
  function upsertItem(it)  {
    const arr = getItems();
    const i = arr.findIndex((x) => x.id === it.id);
    if (i >= 0) arr[i] = it;
    else arr.push(it);
    setItemsList(arr);
  }
  function deleteItem(itemId) {
    setItemsList(getItems().filter((x) => x.id !== itemId));
  }

  // ====================================================================
  // Expiry helpers
  // ====================================================================

  function daysUntil(iso) {
    if (!iso) return Infinity;
    const d = new Date(iso + 'T00:00:00');
    if (isNaN(d.getTime())) return Infinity;
    const t = new Date(); t.setHours(0,0,0,0);
    return Math.round((d - t) / 86400000);
  }
  function expiryStatus(iso) {
    if (!iso) return null;
    const days = daysUntil(iso);
    if (days < 0) return { state: 'expired', days, color: 'var(--tb-error)', label: 'Expired' };
    if (days <= 30) return { state: 'critical', days, color: 'var(--tb-error)', label: '⚠ ' + days + 'd' };
    if (days <= 90) return { state: 'soon', days, color: 'var(--tb-warn)', label: '⚠ ' + days + 'd' };
    if (days <= 180) return { state: 'upcoming', days, color: 'var(--tb-warn)', label: days + 'd' };
    return { state: 'ok', days, color: 'var(--tb-text-soft)', label: days + 'd' };
  }

  // ====================================================================
  // Module render
  // ====================================================================

  let host = null;
  let filterCategory = 'all';

  function render(container) {
    host = container;
    container.innerHTML = '';
    container.appendChild(buildHeaderCard());
    container.appendChild(buildExpiryHeatmapCard());
    container.appendChild(buildToolbar());
    container.appendChild(buildList());
  }
  function rerender() { if (host) render(host); }

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const items = getItems();
    const expiringSoon = items.filter((it) => {
      const s = expiryStatus(it.expiry_date);
      return s && (s.state === 'critical' || s.state === 'expired' || s.state === 'soon');
    });

    return el('div', { class: 'tb-card', 'data-track': 'core' },
      el('h1', null, '🗄 ' + t('docvault.title')),
      el('p', { class: 'tb-card-meta' }, t('docvault.subtitle')),
      el('div', {
        style: { display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-3)', marginTop: 'var(--tb-sp-2)' },
      },
        statBadge(t('docvault.stat.total'),     items.length),
        statBadge(t('docvault.stat.expiring'),  expiringSoon.length, expiringSoon.length > 0 ? 'var(--tb-warn)' : null),
      ),
      el('div', { class: 'tb-disclaimer-inline', style: { marginTop: 'var(--tb-sp-3)' } },
        '🔒 ' + t('docvault.privacy')),
    );
  }

  function statBadge(label, value, color) {
    return TB.utils.el('div', {
      style: {
        background: 'var(--tb-bg)',
        padding: '4px 12px',
        borderRadius: 'var(--tb-radius-1)',
        fontSize: 'var(--tb-fs-12)',
      },
    },
      TB.utils.el('span', { style: { color: 'var(--tb-text-soft)' } }, label + ': '),
      TB.utils.el('span', { style: { fontWeight: '700', color: color || 'var(--tb-text)' } }, String(value)),
    );
  }

  function buildToolbar() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const catSelect = el('select', {
      class: 'tb-select',
      style: { maxWidth: '240px' },
      onchange: (e) => { filterCategory = e.target.value; rerender(); },
    },
      el('option', { value: 'all', selected: filterCategory === 'all' }, t('docvault.filter.all')),
      ...CATEGORIES.map((c) => el('option', {
        value: c.id, selected: filterCategory === c.id,
      }, c.emoji + ' ' + (lang === 'ja' ? c.label_jp : c.label_en))),
    );

    const addBtn = el('button', {
      class: 'tb-btn',
      type: 'button',
      onclick: () => openEditModal(null),
    }, '+ ' + t('docvault.add'));

    // Bulk-vision-import button — only visible when an API key is set.
    // Accepts up to 10 files, processes sequentially, opens a review
    // queue when done.
    const buttons = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)', flexWrap: 'wrap' } });
    if (TB.ai && TB.ai.hasKey && TB.ai.hasKey()) {
      const bulkBtn = el('button', {
        class: 'tb-btn tb-btn--secondary',
        type: 'button',
        onclick: () => openBulkImportModal(),
        title: t('docvault.bulk.tooltip'),
      }, '📦 ' + t('docvault.bulk.button'));
      buttons.appendChild(bulkBtn);
    }
    buttons.appendChild(addBtn);

    return el('div', {
      style: { display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-2)', justifyContent: 'space-between', alignItems: 'center', marginBottom: 'var(--tb-sp-3)' },
    },
      catSelect,
      buttons,
    );
  }

  // ====================================================================
  // Expiry heatmap calendar
  // ====================================================================
  //
  // 12-month grid (current month + 11 forward). Each cell = a month;
  // color intensity = count of documents expiring that month; click
  // opens a small modal listing those documents. Quick mental scan of
  // "when am I going to be busy with renewals?"

  function buildExpiryHeatmapCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const items = getItems();
    // Bucket items by YYYY-MM of expiry_date over the next 12 months
    // (plus a single "already expired" bucket and a "later than 12mo"
    // bucket shown as compact tags below the grid).
    const today = new Date(); today.setHours(0,0,0,0);
    const months = [];
    for (let i = 0; i < 12; i++) {
      const d = new Date(today.getFullYear(), today.getMonth() + i, 1);
      months.push({
        key: d.getFullYear() + '-' + String(d.getMonth() + 1).padStart(2, '0'),
        label: lang === 'ja'
          ? d.getFullYear() + '/' + (d.getMonth() + 1)
          : d.toLocaleString(lang === 'ja' ? 'ja-JP' : 'en-US', { month: 'short', year: '2-digit' }),
        docs: [],
      });
    }
    const expired = [];
    const future = [];
    for (const it of items) {
      if (!it.expiry_date) continue;
      const d = new Date(it.expiry_date + 'T00:00:00');
      if (isNaN(d.getTime())) continue;
      if (d < today) { expired.push(it); continue; }
      const mk = d.getFullYear() + '-' + String(d.getMonth() + 1).padStart(2, '0');
      const bucket = months.find((m) => m.key === mk);
      if (bucket) bucket.docs.push(it);
      else future.push(it);
    }
    // No expiring docs at all → render compact "nothing to renew" state.
    const hasAny = expired.length > 0 || future.length > 0 ||
      months.some((m) => m.docs.length > 0);
    if (!hasAny) {
      return el('div', { class: 'tb-card', 'data-track': 'core' },
        el('h3', { style: { marginTop: 0 } }, '📅 ' + t('docvault.heatmap.title')),
        el('p', { class: 'tb-field-help' }, t('docvault.heatmap.empty')),
      );
    }

    const maxCount = Math.max.apply(null, months.map((m) => m.docs.length).concat([1]));
    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
    },
      el('h3', { style: { margin: 0 } }, '📅 ' + t('docvault.heatmap.title')),
      el('span', { class: 'tb-card-meta' }, t('docvault.heatmap.subtitle')),
    ));

    // Already-expired warning strip
    if (expired.length > 0) {
      card.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderLeft: '4px solid var(--tb-error)',
          borderRadius: 'var(--tb-radius-1)',
          marginTop: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-2)',
        },
      },
        el('div', { style: { fontWeight: '600', color: 'var(--tb-error)' } },
          '⚠ ' + t('docvault.heatmap.expired', { n: expired.length })),
        el('div', { class: 'tb-field-help', style: { marginTop: '4px' } },
          expired.slice(0, 5).map((it) => it.title || typeLabel(it.type, lang)).join(', ') +
          (expired.length > 5 ? '…' : '')),
      ));
    }

    // 12-month grid: 4 columns × 3 rows. Each cell shows month label,
    // count, and a fill bar; clicking opens a list modal.
    const grid = el('div', {
      style: {
        display: 'grid',
        gridTemplateColumns: 'repeat(auto-fit, minmax(96px, 1fr))',
        gap: 'var(--tb-sp-2)',
        marginTop: 'var(--tb-sp-2)',
      },
    });
    months.forEach((m) => {
      const intensity = m.docs.length / maxCount;
      const fillColor = m.docs.length === 0
        ? 'transparent'
        : intensity > 0.66 ? 'rgba(178, 58, 58, 0.18)'
        : intensity > 0.33 ? 'rgba(185, 122, 26, 0.18)'
        : 'rgba(46, 107, 92, 0.14)';
      const cell = el('button', {
        type: 'button',
        style: {
          padding: 'var(--tb-sp-2)',
          background: fillColor,
          border: '1px solid var(--tb-border)',
          borderRadius: 'var(--tb-radius-2)',
          textAlign: 'left',
          cursor: m.docs.length > 0 ? 'pointer' : 'default',
          font: 'inherit',
          color: 'var(--tb-text)',
        },
        onclick: () => {
          if (m.docs.length === 0) return;
          openHeatmapMonthModal(m);
        },
      },
        el('div', {
          style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', textTransform: 'uppercase', letterSpacing: '0.04em' },
        }, m.label),
        el('div', {
          style: { fontSize: 'var(--tb-fs-22)', fontWeight: '700', fontFamily: 'var(--tb-font-mono)', marginTop: '2px' },
        }, m.docs.length === 0 ? '·' : String(m.docs.length)),
      );
      grid.appendChild(cell);
    });
    card.appendChild(grid);

    if (future.length > 0) {
      card.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-2)' } },
        '+ ' + t('docvault.heatmap.later', { n: future.length })));
    }
    return card;
  }

  function openHeatmapMonthModal(month) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '520px' } });
    backdrop.appendChild(modal);
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) root.innerHTML = ''; });
    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      '📅 ' + t('docvault.heatmap.month_title', { label: month.label, n: month.docs.length })));
    month.docs.sort((a, b) => (a.expiry_date || '').localeCompare(b.expiry_date || ''));
    for (const it of month.docs) {
      const row = el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderBottom: '1px dashed var(--tb-border)',
          cursor: 'pointer', display: 'flex', justifyContent: 'space-between', alignItems: 'baseline',
        },
        onclick: () => { root.innerHTML = ''; openEditModal(it); },
      },
        el('div', null,
          el('div', { style: { fontWeight: '600' } }, it.title || typeLabel(it.type, lang)),
          el('div', { class: 'tb-card-meta' }, typeLabel(it.type, lang)),
        ),
        el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)' } },
          it.expiry_date),
      );
      modal.appendChild(row);
    }
    const btnRow = el('div', { style: { textAlign: 'right', marginTop: 'var(--tb-sp-3)' } },
      el('button', { class: 'tb-btn tb-btn--secondary', type: 'button',
        onclick: () => { root.innerHTML = ''; } }, t('docvault.close')),
    );
    modal.appendChild(btnRow);
    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ====================================================================
  // Bulk vision import
  // ====================================================================
  //
  // User picks (or drag-and-drops) up to 10 files. Each is sent to
  // callClaudeVisionForDocumentExtraction sequentially. As each result
  // comes back, the row updates with extracted fields. User reviews
  // each, can edit before save, then commits in a batch. Single
  // consent prompt per file (gate runs inside the vision call).

  const BULK_MAX = 10;

  function openBulkImportModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '720px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, '📦 ' + t('docvault.bulk.title')));
    modal.appendChild(el('p', { class: 'tb-card-meta' }, t('docvault.bulk.intro', { max: BULK_MAX })));

    const status = el('div', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-3)' } });
    modal.appendChild(status);

    const rowsHost = el('div');
    modal.appendChild(rowsHost);

    // State for the in-progress import. Each entry: { id, file, status:
    // 'queued'|'processing'|'done'|'error', extracted, error, draft }
    const entries = [];

    function renderRow(entry) {
      const row = el('div', {
        style: {
          padding: 'var(--tb-sp-3)',
          border: '1px solid var(--tb-border)',
          borderRadius: 'var(--tb-radius-2)',
          marginBottom: 'var(--tb-sp-2)',
        },
      });
      const icon = entry.status === 'done' ? '✓'
                  : entry.status === 'error' ? '✗'
                  : entry.status === 'processing' ? '⏳' : '○';
      const iconColor = entry.status === 'done' ? 'var(--tb-success)'
                       : entry.status === 'error' ? 'var(--tb-error)'
                       : 'var(--tb-text-soft)';
      row.appendChild(el('div', {
        style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', gap: 'var(--tb-sp-3)' },
      },
        el('div', null,
          el('span', { style: { color: iconColor, fontWeight: '700', marginRight: '8px' } }, icon),
          el('span', { style: { fontWeight: '600' } }, entry.file.name),
          el('span', { class: 'tb-card-meta', style: { marginLeft: '8px' } },
            (entry.file.size / 1024).toFixed(0) + ' KB'),
        ),
        el('span', { class: 'tb-card-meta' },
          entry.status === 'queued' ? t('docvault.bulk.status.queued')
          : entry.status === 'processing' ? t('docvault.bulk.status.processing')
          : entry.status === 'done' ? t('docvault.bulk.status.done')
          : entry.status === 'error' ? t('docvault.bulk.status.error') : ''),
      ));
      if (entry.status === 'done' && entry.draft) {
        const d = entry.draft;
        row.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-2)' } },
          (d.title || typeLabel(d.type, lang) || '?') +
          (d.expiry_date ? ' · ' + (lang === 'ja' ? '有効期限 ' : 'expires ') + d.expiry_date : '') +
          (d.person_name ? ' · ' + d.person_name : '')));
      }
      if (entry.status === 'error') {
        row.appendChild(el('div', {
          style: { marginTop: 'var(--tb-sp-2)', color: 'var(--tb-error)', fontSize: 'var(--tb-fs-12)' },
        }, entry.error || t('docvault.bulk.status.error')));
      }
      return row;
    }
    function repaintRows() {
      rowsHost.innerHTML = '';
      entries.forEach((e) => rowsHost.appendChild(renderRow(e)));
    }

    function buildDraftFromExtraction(ext) {
      const draft = {
        id: TB.utils.uuid(),
        category: 'other',
        type: 'other',
        title: '',
        person_name: TB.state.get('profile.displayName') || '',
        issuing_authority: '',
        issue_date: null,
        expiry_date: null,
        reference_number_last4: null,
        storage_location: '',
        notes: '',
        linked_module: null,
        linked_id: null,
        created_at: new Date().toISOString(),
        updated_at: new Date().toISOString(),
      };
      if (ext.document_type && TYPES[ext.document_type]) {
        draft.type = ext.document_type;
        draft.category = TYPES[ext.document_type].cat;
      }
      if (ext.title) draft.title = ext.title;
      if (ext.person_name) draft.person_name = ext.person_name;
      if (ext.issuing_authority) draft.issuing_authority = ext.issuing_authority;
      if (ext.issue_date) draft.issue_date = ext.issue_date;
      if (ext.expiry_date) draft.expiry_date = ext.expiry_date;
      if (ext.reference_number_last4) draft.reference_number_last4 = ext.reference_number_last4;
      if (ext.notes_suggestion) draft.notes = ext.notes_suggestion;
      return draft;
    }

    async function processQueue() {
      const total = entries.length;
      let totalCost = 0;
      for (const e of entries) {
        if (e.status !== 'queued') continue;
        e.status = 'processing';
        repaintRows();
        try {
          const result = await TB.ai.callClaudeVisionForDocumentExtraction(e.file, {});
          e.extracted = result.extracted || {};
          e.draft = buildDraftFromExtraction(e.extracted);
          e.status = 'done';
          totalCost += Number(result.cost_usd) || 0;
        } catch (err) {
          e.status = 'error';
          e.error = (err && err.message) || String(err);
        }
        repaintRows();
      }
      status.style.color = 'var(--tb-success)';
      status.textContent = t('docvault.bulk.complete', {
        n: entries.filter((x) => x.status === 'done').length,
        total,
        cost: totalCost.toFixed(4),
      });
      saveBtn.disabled = entries.filter((x) => x.status === 'done').length === 0;
    }

    // File picker + drop zone
    const fileInput = el('input', {
      type: 'file',
      multiple: 'multiple',
      accept: 'image/png,image/jpeg,image/jpg,image/webp,image/gif,application/pdf',
      style: { display: 'none' },
      onchange: (e) => {
        const fs = Array.from(e.target.files || []);
        addFiles(fs);
        e.target.value = '';
      },
    });
    const dropZone = el('div', {
      style: {
        border: '1px dashed var(--tb-border)',
        borderRadius: 'var(--tb-radius-2)',
        padding: 'var(--tb-sp-4)',
        textAlign: 'center',
        background: 'var(--tb-bg)',
        marginBottom: 'var(--tb-sp-3)',
      },
    },
      el('div', { style: { fontWeight: '600', marginBottom: 'var(--tb-sp-2)' } },
        t('docvault.bulk.dropTitle')),
      el('div', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-2)' } },
        t('docvault.bulk.dropHelp', { max: BULK_MAX })),
      el('button', {
        class: 'tb-btn',
        type: 'button',
        onclick: () => fileInput.click(),
      }, '📎 ' + t('docvault.bulk.choose')),
      fileInput,
    );
    TB.utils.attachFileDrop(dropZone, {
      accept: ['image/png','image/jpeg','image/jpg','image/webp','image/gif','application/pdf','.pdf'],
      text: '⤓ ' + t('docvault.bulk.dropOver'),
      onFiles: (files) => addFiles(Array.from(files)),
      onFile: (f) => addFiles([f]),  // fallback if onFiles isn't supported
      onError: (msg) => {
        status.style.color = 'var(--tb-error)';
        status.textContent = msg;
      },
    });
    modal.insertBefore(dropZone, status);

    function addFiles(files) {
      if (!files || files.length === 0) return;
      for (const f of files) {
        if (entries.length >= BULK_MAX) break;
        entries.push({ id: TB.utils.uuid(), file: f, status: 'queued' });
      }
      status.textContent = t('docvault.bulk.queued', { n: entries.length });
      status.style.color = 'var(--tb-text-soft)';
      repaintRows();
    }

    // Action buttons
    const btnRow = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', marginTop: 'var(--tb-sp-4)', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
    });
    const startBtn = el('button', {
      class: 'tb-btn',
      type: 'button',
      onclick: async () => {
        if (entries.length === 0) return;
        startBtn.disabled = true;
        await processQueue();
        startBtn.style.display = 'none';
      },
    }, '▶ ' + t('docvault.bulk.start'));
    const saveBtn = el('button', {
      class: 'tb-btn',
      type: 'button',
      disabled: true,
      onclick: () => {
        const successful = entries.filter((e) => e.status === 'done' && e.draft);
        for (const e of successful) {
          e.draft.updated_at = new Date().toISOString();
          upsertItem(e.draft);
        }
        close();
        rerender();
      },
    }, '💾 ' + t('docvault.bulk.save'));
    btnRow.appendChild(el('button', {
      class: 'tb-btn tb-btn--secondary',
      type: 'button',
      onclick: close,
    }, t('docvault.cancel')));
    btnRow.appendChild(el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } },
      startBtn, saveBtn));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  function buildList() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const items = getItems().filter((it) => filterCategory === 'all' || it.category === filterCategory);

    if (items.length === 0) {
      return el('div', { class: 'tb-card', 'data-track': 'core' },
        el('p', { class: 'tb-field-help' }, t('docvault.empty')));
    }

    const byCat = {};
    for (const it of items) {
      (byCat[it.category || 'other'] = byCat[it.category || 'other'] || []).push(it);
    }

    const wrap = el('div');
    for (const cat of CATEGORIES) {
      if (!byCat[cat.id]) continue;
      const card = el('div', { class: 'tb-card', 'data-track': 'core' });
      card.appendChild(el('h3', { style: { marginTop: 0 } },
        cat.emoji + ' ' + (lang === 'ja' ? cat.label_jp : cat.label_en) +
        ' (' + byCat[cat.id].length + ')'));
      byCat[cat.id].sort((a, b) => {
        const da = daysUntil(a.expiry_date);
        const db = daysUntil(b.expiry_date);
        if (da !== db) return da - db;
        return (a.title || '').localeCompare(b.title || '');
      });
      for (const it of byCat[cat.id]) card.appendChild(buildItemRow(it));
      wrap.appendChild(card);
    }
    return wrap;
  }

  function buildItemRow(item) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const expStatus = expiryStatus(item.expiry_date);

    return el('div', {
      style: {
        display: 'grid',
        gridTemplateColumns: '1fr auto',
        gap: 'var(--tb-sp-3)',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        borderBottom: '1px dashed var(--tb-border)',
        alignItems: 'center',
        cursor: 'pointer',
      },
      onclick: () => openEditModal(item),
    },
      el('div', null,
        el('div', { style: { fontWeight: '600' } },
          item.title || typeLabel(item.type, lang) || '(untitled)',
          item.person_name ? el('span', { style: { color: 'var(--tb-text-soft)', fontWeight: '400', marginLeft: '8px' } },
            ' · ' + item.person_name) : null,
        ),
        el('div', { class: 'tb-card-meta' },
          typeLabel(item.type, lang),
          item.reference_number_last4 ? '  ·  ••••' + item.reference_number_last4 : '',
          item.storage_location ? '  ·  📍 ' + item.storage_location : '',
        ),
      ),
      el('div', { style: { textAlign: 'right' } },
        item.expiry_date ? el('div', null,
          el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)' } },
            item.expiry_date),
          expStatus ? el('div', {
            style: { color: expStatus.color, fontSize: 'var(--tb-fs-12)', fontWeight: '600' },
          }, expStatus.label) : null,
        ) : el('span', { style: { color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)' } },
          t('docvault.no_expiry')),
      ),
    );
  }

  // ====================================================================
  // Add / Edit modal
  // ====================================================================

  function openEditModal(existing) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const isEdit = !!existing;
    const draft = existing ? Object.assign({}, existing) : {
      id: TB.utils.uuid(),
      category: 'identification',
      type: 'passport_us',
      title: '',
      person_name: TB.state.get('profile.displayName') || '',
      issuing_authority: '',
      issue_date: null,
      expiry_date: null,
      reference_number_last4: null,
      storage_location: '',
      notes: '',
      // Cross-module linkage. linked_module ∈ {'family','property',
      // 'assets'} and linked_id references that module's record id.
      // Drives back-references shown in those modules, and forms
      // the basis of the "Sakura's documents" view.
      linked_module: null,
      linked_id: null,
      created_at: new Date().toISOString(),
      updated_at: new Date().toISOString(),
    };

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    const refs = {};

    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      isEdit ? t('docvault.modal.edit') : t('docvault.modal.add')));

    // Upload card
    const uploadStatus = el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginTop: 'var(--tb-sp-2)' } });
    const uploadCard = el('div', {
      style: {
        border: '1px dashed var(--tb-border)',
        borderRadius: 'var(--tb-radius-2)',
        padding: 'var(--tb-sp-3) var(--tb-sp-4)',
        marginBottom: 'var(--tb-sp-4)',
        background: 'var(--tb-bg)',
      },
    });
    uploadCard.appendChild(el('div', { style: { fontWeight: '600', marginBottom: 'var(--tb-sp-1)' } },
      t('docvault.upload.title')));
    uploadCard.appendChild(el('div', { class: 'tb-field-help' }, t('docvault.upload.help')));

    const hasKey = TB.ai && TB.ai.hasKey && TB.ai.hasKey();
    if (!hasKey) {
      uploadCard.appendChild(el('div', {
        style: { marginTop: 'var(--tb-sp-2)', color: 'var(--tb-warn)', fontSize: 'var(--tb-fs-12)' },
      }, t('docvault.upload.no_key')));
    } else {
      const fileInput = el('input', {
        type: 'file',
        accept: 'image/png,image/jpeg,image/jpg,image/webp,image/gif,application/pdf',
        style: { display: 'none' },
        onchange: (e) => {
          const f = e.target.files && e.target.files[0];
          if (f) handleUpload(f);
          e.target.value = '';
        },
      });
      const uploadBtn = el('button', {
        class: 'tb-btn',
        type: 'button',
        style: { marginTop: 'var(--tb-sp-2)' },
        onclick: () => fileInput.click(),
      }, '📎 ' + t('docvault.upload.button'));
      uploadCard.appendChild(uploadBtn);
      uploadCard.appendChild(fileInput);

      // Drag-and-drop on the upload card itself.
      TB.utils.attachFileDrop(uploadCard, {
        accept: ['image/png','image/jpeg','image/jpg','image/webp','image/gif','application/pdf','.pdf'],
        text: '⤓ ' + t('docvault.upload.drop'),
        onFile: (f) => handleUpload(f),
        onError: (msg) => {
          uploadStatus.textContent = t('docvault.upload.error', { message: msg });
          uploadStatus.style.color = 'var(--tb-error)';
        },
      });
    }
    uploadCard.appendChild(uploadStatus);
    modal.appendChild(uploadCard);

    function handleUpload(file) {
      uploadStatus.textContent = t('docvault.upload.processing', { filename: file.name });
      uploadStatus.style.color = 'var(--tb-text-soft)';
      TB.ai.callClaudeVisionForDocumentExtraction(file, { expected_type: draft.type })
        .then((result) => {
          const ext = result.extracted || {};
          const cost = (result.cost_usd || 0).toFixed(4);
          const filled = applyExtraction(ext);
          if (filled.length === 0) {
            uploadStatus.textContent = t('docvault.upload.partial');
            uploadStatus.style.color = 'var(--tb-warn)';
          } else {
            uploadStatus.textContent = t('docvault.upload.done', { filename: file.name, cost });
            uploadStatus.style.color = 'var(--tb-success)';
          }
        })
        .catch((err) => {
          uploadStatus.textContent = t('docvault.upload.error', { message: (err && err.message) || String(err) });
          uploadStatus.style.color = 'var(--tb-error)';
        });
    }

    function applyExtraction(ext) {
      const filled = [];
      function setIf(field, value, refKey) {
        if (value == null || value === '') return;
        draft[field] = value;
        if (refs[refKey]) refs[refKey].value = String(value);
        filled.push(field);
      }
      if (ext.document_type && TYPES[ext.document_type]) {
        draft.type = ext.document_type;
        draft.category = TYPES[ext.document_type].cat;
        if (refs.category) refs.category.value = draft.category;
        rebuildTypeSelect();
        filled.push('type');
      }
      setIf('title', ext.title, 'title');
      setIf('person_name', ext.person_name, 'person_name');
      setIf('issuing_authority', ext.issuing_authority, 'issuing_authority');
      setIf('issue_date', ext.issue_date, 'issue_date');
      setIf('expiry_date', ext.expiry_date, 'expiry_date');
      setIf('reference_number_last4', ext.reference_number_last4, 'reference_number_last4');
      if (ext.notes_suggestion) {
        const cur = (draft.notes || '').trim();
        draft.notes = cur ? cur + '\n\n' + ext.notes_suggestion : ext.notes_suggestion;
        if (refs.notes) refs.notes.value = draft.notes;
        filled.push('notes');
      }
      return filled;
    }

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    refs.category = el('select', {
      class: 'tb-select',
      onchange: (e) => {
        draft.category = e.target.value;
        rebuildTypeSelect();
      },
    },
      ...CATEGORIES.map((c) => el('option', {
        value: c.id, selected: draft.category === c.id,
      }, c.emoji + ' ' + (lang === 'ja' ? c.label_jp : c.label_en))),
    );
    modal.appendChild(field(t('docvault.field.category'), refs.category));

    const typeFieldWrap = el('div');
    function rebuildTypeSelect() {
      typeFieldWrap.innerHTML = '';
      const types = Object.entries(TYPES).filter(([, v]) => v.cat === draft.category);
      if (!types.find(([k]) => k === draft.type)) {
        draft.type = types.length > 0 ? types[0][0] : 'other';
      }
      refs.type = el('select', {
        class: 'tb-select',
        onchange: (e) => { draft.type = e.target.value; },
      },
        ...types.map(([k, v]) => el('option', {
          value: k, selected: draft.type === k,
        }, lang === 'ja' ? v.label_jp : v.label_en)),
      );
      typeFieldWrap.appendChild(field(t('docvault.field.type'), refs.type));
    }
    rebuildTypeSelect();
    modal.appendChild(typeFieldWrap);

    refs.title = el('input', {
      type: 'text', class: 'tb-input',
      value: draft.title || '',
      placeholder: t('docvault.field.title.placeholder'),
      oninput: (e) => { draft.title = e.target.value; },
    });
    modal.appendChild(field(t('docvault.field.title'), refs.title));

    refs.person_name = el('input', {
      type: 'text', class: 'tb-input',
      value: draft.person_name || '',
      placeholder: t('docvault.field.person.placeholder'),
      oninput: (e) => { draft.person_name = e.target.value; },
    });
    modal.appendChild(field(t('docvault.field.person'), refs.person_name));

    refs.issue_date = el('input', {
      type: 'date', class: 'tb-input',
      value: draft.issue_date || '',
      oninput: (e) => { draft.issue_date = e.target.value || null; },
    });
    refs.expiry_date = el('input', {
      type: 'date', class: 'tb-input',
      value: draft.expiry_date || '',
      oninput: (e) => { draft.expiry_date = e.target.value || null; },
    });
    modal.appendChild(el('div', {
      style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' },
    },
      field(t('docvault.field.issue_date'), refs.issue_date),
      field(t('docvault.field.expiry_date'), refs.expiry_date),
    ));

    refs.issuing_authority = el('input', {
      type: 'text', class: 'tb-input',
      value: draft.issuing_authority || '',
      placeholder: t('docvault.field.issuing_authority.placeholder'),
      oninput: (e) => { draft.issuing_authority = e.target.value; },
    });
    modal.appendChild(field(t('docvault.field.issuing_authority'), refs.issuing_authority));

    refs.reference_number_last4 = el('input', {
      type: 'text', class: 'tb-input',
      maxlength: '4',
      value: draft.reference_number_last4 || '',
      placeholder: '1234',
      oninput: (e) => {
        const v = String(e.target.value || '').replace(/[^0-9A-Za-z]/g, '').slice(0, 4);
        e.target.value = v;
        draft.reference_number_last4 = v || null;
      },
    });
    modal.appendChild(field(t('docvault.field.reference'), refs.reference_number_last4,
      t('docvault.field.reference.help')));

    refs.storage_location = el('input', {
      type: 'text', class: 'tb-input',
      value: draft.storage_location || '',
      placeholder: t('docvault.field.storage.placeholder'),
      oninput: (e) => { draft.storage_location = e.target.value; },
    });
    modal.appendChild(field('📍 ' + t('docvault.field.storage'), refs.storage_location,
      t('docvault.field.storage.help')));

    // ─── Cross-module linkage ────────────────────────────────────
    // "This document belongs to → which record in which module?"
    // The module picker offers only modules sensible for this type
    // (a passport → family member; a deed → property/asset; etc.).
    const linkWrap = el('div');
    function rebuildLinkUi() {
      linkWrap.innerHTML = '';
      const allowedModules = linkableModulesForType(draft.type);
      // If the current linked_module is no longer in the allowed
      // set (because the user changed type), clear it.
      if (draft.linked_module && allowedModules.indexOf(draft.linked_module) === -1) {
        draft.linked_module = null;
        draft.linked_id = null;
      }

      const moduleSel = el('select', {
        class: 'tb-select',
        onchange: (e) => {
          draft.linked_module = e.target.value || null;
          draft.linked_id = null;
          rebuildLinkUi();
        },
      },
        el('option', { value: '', selected: !draft.linked_module }, t('docvault.field.link.none')),
        ...allowedModules.map(m => el('option', {
          value: m, selected: draft.linked_module === m,
        }, moduleLabel(m, lang))),
      );

      const recordWrap = el('div', { style: { marginTop: 'var(--tb-sp-2)' } });
      if (draft.linked_module) {
        const records = linkableRecords(draft.linked_module, lang);
        if (records.length === 0) {
          recordWrap.appendChild(el('div', { class: 'tb-field-help' },
            t('docvault.field.link.no_records', { module: moduleLabel(draft.linked_module, lang) })));
        } else {
          const recordSel = el('select', {
            class: 'tb-select',
            onchange: (e) => { draft.linked_id = e.target.value || null; },
          },
            el('option', { value: '', selected: !draft.linked_id }, '— ' + t('docvault.field.link.choose') + ' —'),
            ...records.map(r => el('option', {
              value: r.id, selected: draft.linked_id === r.id,
            }, r.label)),
          );
          recordWrap.appendChild(recordSel);
        }
      }

      linkWrap.appendChild(field(
        '🔗 ' + t('docvault.field.link.label'),
        el('div', null, moduleSel, recordWrap),
        t('docvault.field.link.help'),
      ));
    }
    rebuildLinkUi();
    // Re-render link UI when type changes (handled by rebuildTypeSelect's onchange).
    // We need to monkey-patch the type select to also rebuild link.
    // Simpler: override the existing type select onchange.
    if (refs.type) {
      const origOnChange = refs.type.onchange;
      refs.type.onchange = (e) => {
        if (origOnChange) origOnChange(e);
        rebuildLinkUi();
      };
    }
    modal.appendChild(linkWrap);

    // ─── Renewal checklist ──────────────────────────────────────
    // Shown collapsed by default; expanded when expiry is near or
    // when user clicks. Type-driven; if no checklist exists for the
    // selected type the section is hidden entirely.
    const renewalWrap = el('div');
    function rebuildRenewal() {
      renewalWrap.innerHTML = '';
      const cl = getRenewalChecklist(draft.type);
      if (!cl) return;
      const expSt = expiryStatus(draft.expiry_date);
      const expandByDefault = expSt && (expSt.state === 'critical' || expSt.state === 'expired' || expSt.state === 'soon');
      const details = el('details', {
        open: expandByDefault ? 'open' : null,
        style: {
          marginTop: 'var(--tb-sp-3)',
          padding: 'var(--tb-sp-3)',
          background: 'var(--tb-bg)',
          border: '1px solid var(--tb-border)',
          borderRadius: 'var(--tb-radius-2)',
        },
      });
      details.appendChild(el('summary', {
        style: { cursor: 'pointer', fontWeight: '600' },
      }, '📝 ' + t('docvault.renewal.title')));
      details.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
        '📍 ' + (lang === 'ja' ? cl.where_jp : cl.where_en)));
      const list = el('ul', { style: { marginTop: 'var(--tb-sp-2)', paddingLeft: '20px' } });
      const items = lang === 'ja' ? cl.needs_jp : cl.needs_en;
      items.forEach((n) => list.appendChild(el('li', null, n)));
      details.appendChild(list);
      details.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-2)' } },
        '⏱ ' + (lang === 'ja' ? cl.lead_time_jp : cl.lead_time_en)));
      renewalWrap.appendChild(details);
    }
    rebuildRenewal();
    // Refresh on type change AND on expiry change so the auto-expand
    // logic stays current.
    if (refs.type) {
      const prev = refs.type.onchange;
      refs.type.onchange = (e) => { if (prev) prev(e); rebuildRenewal(); };
    }
    if (refs.expiry_date) {
      const prev = refs.expiry_date.oninput;
      refs.expiry_date.oninput = (e) => { if (prev) prev(e); rebuildRenewal(); };
    }
    modal.appendChild(renewalWrap);

    refs.notes = el('textarea', {
      class: 'tb-textarea',
      value: draft.notes || '',
      oninput: (e) => { draft.notes = e.target.value; },
    });
    modal.appendChild(field(t('docvault.field.notes'), refs.notes));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'space-between', marginTop: 'var(--tb-sp-4)' } });
    if (isEdit) {
      btnRow.appendChild(el('button', {
        class: 'tb-btn tb-btn--danger', type: 'button',
        onclick: () => {
          if (!confirm(t('docvault.delete.confirm'))) return;
          deleteItem(draft.id);
          close();
          rerender();
        },
      }, t('docvault.delete')));
    } else {
      btnRow.appendChild(el('span'));
    }
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('docvault.cancel')));
    right.appendChild(el('button', {
      class: 'tb-btn', type: 'button',
      onclick: () => {
        draft.updated_at = new Date().toISOString();
        upsertItem(draft);
        close();
        rerender();
      },
    }, t('docvault.save')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ====================================================================
  // Action Center generators (registered with TB.actionCenter)
  // ====================================================================

  function genPassportExpiring() {
    const out = [];
    const items = getItems();
    for (const it of items) {
      if (!/^passport_/.test(it.type) || !it.expiry_date) continue;
      const days = daysUntil(it.expiry_date);
      if (days < 0) {
        out.push({
          id: 'docvault_passport_expired_' + it.id,
          group: 'docvault', urgency: 'critical', icon: '🛂',
          title: (it.title || 'Passport') + ' EXPIRED',
          body: (it.title || 'Passport') + ' expired ' + it.expiry_date + '. Renew immediately — most countries require 6 months validity beyond travel dates.',
          deadline: it.expiry_date, module: 'document-vault', snoozable: false,
        });
      } else if (days <= 90) {
        out.push({
          id: 'docvault_passport_critical_' + it.id,
          group: 'docvault', urgency: 'critical', icon: '🛂',
          title: (it.title || 'Passport') + ' expires in ' + days + ' days',
          body: 'US/JP renewal currently takes 6-10 weeks. Many countries deny entry within 6 months of passport expiry. Start renewal NOW.',
          deadline: it.expiry_date, module: 'document-vault', snoozable: false,
        });
      } else if (days <= 180) {
        out.push({
          id: 'docvault_passport_soon_' + it.id,
          group: 'docvault', urgency: 'high', icon: '🛂',
          title: (it.title || 'Passport') + ' expires in ' + days + ' days',
          body: 'Many countries require 6 months passport validity beyond your travel dates. Renew within the next 60 days to avoid travel disruption.',
          deadline: it.expiry_date, module: 'document-vault', snoozable: true,
        });
      }
    }
    return out;
  }

  function genVisaResidenceExpiring() {
    const out = [];
    const items = getItems();
    const watched = ['visa', 'residence_card_jp', 'green_card', 'drivers_license_us', 'drivers_license_jp', 'my_number_card_jp'];
    for (const it of items) {
      if (watched.indexOf(it.type) === -1 || !it.expiry_date) continue;
      const days = daysUntil(it.expiry_date);
      if (days < 0) {
        out.push({
          id: 'docvault_id_expired_' + it.id,
          group: 'docvault', urgency: 'critical', icon: '🪪',
          title: (it.title || typeLabel(it.type, 'en')) + ' EXPIRED',
          body: 'Expired on ' + it.expiry_date + '. Renew or replace immediately to avoid status / driving / banking issues.',
          deadline: it.expiry_date, module: 'document-vault', snoozable: false,
        });
      } else if (days <= 60) {
        out.push({
          id: 'docvault_id_soon_' + it.id,
          group: 'docvault', urgency: 'high', icon: '🪪',
          title: (it.title || typeLabel(it.type, 'en')) + ' expires in ' + days + ' days',
          body: 'Renewal often requires in-person appointment + waiting period. Start within the next 30 days.',
          deadline: it.expiry_date, module: 'document-vault', snoozable: false,
        });
      } else if (days <= 120) {
        out.push({
          id: 'docvault_id_warning_' + it.id,
          group: 'docvault', urgency: 'medium', icon: '🪪',
          title: (it.title || typeLabel(it.type, 'en')) + ' expires in ' + days + ' days',
          body: 'Plan the renewal — check requirements, schedule appointment if needed.',
          deadline: it.expiry_date, module: 'document-vault', snoozable: true,
        });
      }
    }
    return out;
  }

  function genWillStale() {
    const out = [];
    const items = getItems();
    const wills = items.filter((it) => it.type === 'will');
    if (wills.length === 0) return out;
    for (const w of wills) {
      const ageStr = w.issue_date || w.updated_at || w.created_at;
      if (!ageStr) continue;
      const refDate = ageStr.length > 10 ? ageStr : ageStr + 'T00:00:00';
      const ageDays = Math.round((new Date() - new Date(refDate)) / 86400000);
      if (ageDays > 5 * 365) {
        out.push({
          id: 'docvault_will_stale_' + w.id,
          group: 'docvault', urgency: 'medium', icon: '📜',
          title: 'Will is ' + Math.floor(ageDays / 365) + ' years old — review recommended',
          body: 'Wills should be reviewed every 3-5 years OR after life events: marriage, divorce, birth/death of family member, big asset change, move to new jurisdiction. Confirm beneficiaries + executor still appropriate.',
          module: 'document-vault', snoozable: true,
        });
      }
    }
    return out;
  }

  function genCriticalDocsMissing() {
    const out = [];
    const items = getItems();
    const types = new Set(items.map((it) => it.type));
    const missing = [];
    if (!types.has('passport_us') && !types.has('passport_jp') && !types.has('passport_other')) missing.push('passport');
    if (!types.has('will')) missing.push('will');
    const family = (TB.state.get('onboarding.answers.family')) || [];
    if (Array.isArray(family) && family.indexOf('jp_spouse') !== -1 && !types.has('marriage_cert')) {
      missing.push('marriage certificate');
    }
    if (missing.length === 0) return out;
    out.push({
      id: 'docvault_critical_missing',
      group: 'docvault', urgency: 'low', icon: '📋',
      title: 'Critical documents not in your vault: ' + missing.join(', '),
      body: 'Add these to the Document Vault so your family / executor can find them in an emergency. Use the upload button to auto-extract metadata from a photo.',
      module: 'document-vault', snoozable: true,
    });
    return out;
  }

  // ====================================================================
  // Survivor Binder integration
  // ====================================================================

  function getDocsForBinder() {
    const items = getItems();
    if (items.length === 0) return [];
    const byCat = {};
    for (const it of items) {
      (byCat[it.category || 'other'] = byCat[it.category || 'other'] || []).push(it);
    }
    const out = [];
    for (const cat of CATEGORIES) {
      if (!byCat[cat.id]) continue;
      out.push({ category: cat.id, label_en: cat.label_en, label_jp: cat.label_jp, emoji: cat.emoji,
        items: byCat[cat.id].sort((a, b) => (a.title || '').localeCompare(b.title || '')) });
    }
    return out;
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id,
    label_en: 'Document Vault',
    label_jp: 'ドキュメント保管庫',
    render,
  };

  window.TB.docVault = {
    getItems, getDocsForBinder, getDocsLinkedTo,
    getRenewalChecklist,
    openEditModal,  // used by back-references in other modules to edit
    upsertItem,     // used by other modules to add docs from their own import flows (Health Tracker insurance card)
    deleteItem,
    actionGenerators: [genPassportExpiring, genVisaResidenceExpiring, genWillStale, genCriticalDocsMissing],
    CATEGORIES, TYPES, typeLabel, categoryLabel, categoryEmoji,
  };
})();

</script>
  <script data-source="scripts/modules/tax-coordinator.js">
/* Taigan Bridge — modules/tax-coordinator.js
 *
 * Tax Filing Coordinator — orchestrates the full annual tax cycle for
 * US persons living in Japan. This module does NOT compute tax — it
 * surfaces the WHICH-FORMS-WHEN-AND-WHY question that's normally
 * scattered across the IRS, NTA, and a dozen expat-finance blogs.
 *
 * Auto-detection strategy:
 *   - Reads onboarding answers for visa / residency / family / employment
 *   - Reads TB.assets to compute foreign-asset aggregate (8938 / FBAR)
 *   - Reads TB.assets to scan for 投資信託 / 学資保険 / JP mutual funds
 *     (PFIC trap)
 *   - Reads TB.fbar for prior-year filing history
 *   - Reads TB.veteran for combat-zone tax extensions / military relief
 *   - Reads TB.resident for 確定申告 deadline + Furusato + 住宅ローン
 *
 * State (in tax_coordinator.*):
 *   - filing_status        : single / mfj / mfs / hoh / qw
 *   - feie_or_ftc_choice   : feie / ftc / both / undecided
 *   - preparer             : { name, contact, notes, next_appointment }
 *   - manual_overrides     : flags for things we can't auto-detect
 *                            (foreign corp, self-employed, etc.)
 *   - forms_filed_history  : { 'YYYY': ['1040', '2555', ...] }
 *
 * Action Center generators surface upcoming deadlines (≤60d), PFIC
 * detection alerts, 8938 threshold approaching, preparer appointment
 * reminders, and quarterly estimated payment dates.
 */

(function () {
  'use strict';

  const id = 'tax-coordinator';

  // ====================================================================
  // Reference data — forms + deadlines
  // ====================================================================

  // Form catalog. Each form has an `applies(ctx)` predicate that returns
  // either false, or an object { reason, urgency? }. Forms are rendered
  // in this order in the assessment card.
  const FORMS = [
    {
      id: '1040',
      name_en: 'Form 1040 — US Individual Income Tax Return',
      name_jp: 'Form 1040 — 米国個人所得税申告書',
      jurisdiction: 'us',
      deadline_md: '04-15',
      expat_extension_md: '06-15',
      max_extension_md: '10-15',
      applies: () => ({ reason_en: 'Required for all US persons regardless of where they live.',
                        reason_jp: '海外居住の有無に関わらず、すべての米国人が必要。' }),
      docs_needed: ['us_w2', 'us_1099', 'gensen_choshu', 'rental_income', 'crypto_records'],
    },
    {
      id: '2555',
      name_en: 'Form 2555 — Foreign Earned Income Exclusion (FEIE)',
      name_jp: 'Form 2555 — 海外勤労所得控除(FEIE)',
      jurisdiction: 'us',
      deadline_md: '04-15',
      expat_extension_md: '06-15',
      max_extension_md: '10-15',
      applies: (ctx) => {
        if (!ctx.is_jp_resident) return false;
        if (!ctx.has_foreign_earned_income) return false;
        if (ctx.feie_choice === 'ftc') return { reason_en: 'You\'ve elected FTC. FEIE not used.',
                                                reason_jp: 'FTC を選択済み。FEIE は不使用。',
                                                informational: true };
        return { reason_en: 'Excludes up to $126,500 (2024) of foreign earned income. Available if you\'re a bona fide resident of Japan or pass the physical-presence test (330d/12mo).',
                 reason_jp: '日本居住者またはフィジカル・プレゼンス・テスト合格者は、最大 $126,500(2024年)の海外勤労所得を控除可能。' };
      },
      docs_needed: ['gensen_choshu', 'jp_residency_certificate', 'travel_calendar'],
    },
    {
      id: '1116',
      name_en: 'Form 1116 — Foreign Tax Credit (FTC)',
      name_jp: 'Form 1116 — 外国税額控除(FTC)',
      jurisdiction: 'us',
      deadline_md: '04-15',
      expat_extension_md: '06-15',
      max_extension_md: '10-15',
      applies: (ctx) => {
        if (!ctx.paid_jp_tax) return false;
        return { reason_en: 'Credits Japanese income tax (所得税) and resident tax (住民税) against US tax dollar-for-dollar. Better than FEIE for high earners and for income types FEIE can\'t exclude (passive, capital gains).',
                 reason_jp: '日本の所得税・住民税を米国税から1対1で控除。高所得者や FEIE 対象外の所得(受動所得・キャピタルゲイン)に有利。' };
      },
      docs_needed: ['kakutei_shinkoku', 'gensen_choshu', 'juminze_assessment'],
    },
    {
      id: '8938',
      name_en: 'Form 8938 — FATCA Statement of Foreign Assets',
      name_jp: 'Form 8938 — 外国金融資産申告書(FATCA)',
      jurisdiction: 'us',
      deadline_md: '04-15',
      expat_extension_md: '06-15',
      max_extension_md: '10-15',
      threshold_note_en: 'Filing thresholds for residents living abroad: Single/MFS $200K end-of-year OR $300K any time. MFJ $400K end-of-year OR $600K any time.',
      threshold_note_jp: '海外居住者の申告基準額:単身/MFS は年末 $200K または期中 $300K。MFJ は年末 $400K または期中 $600K。',
      applies: (ctx) => {
        const t = thresholds_8938(ctx.filing_status, ctx.is_jp_resident);
        if (ctx.foreign_assets_usd >= t.year_end || ctx.foreign_assets_usd_max >= t.any_time) {
          return { reason_en: 'Your foreign financial assets ($' + Math.round(ctx.foreign_assets_usd).toLocaleString() + ') exceed the ' + ctx.filing_status_label + ' threshold ($' + t.year_end.toLocaleString() + ' year-end).',
                   reason_jp: '海外金融資産が申告基準額を超過。' };
        }
        if (ctx.foreign_assets_usd >= t.year_end * 0.75) {
          return { reason_en: 'Approaching threshold ($' + Math.round(ctx.foreign_assets_usd).toLocaleString() + ' / $' + t.year_end.toLocaleString() + '). Track carefully — once you cross, 8938 is required.',
                   reason_jp: '基準額に接近。年末残高に注意。',
                   approaching: true };
        }
        return false;
      },
      docs_needed: ['fbar_records', 'jp_bank_year_end_balances'],
    },
    {
      id: 'fbar',
      name_en: 'FinCEN 114 — Report of Foreign Bank Accounts (FBAR)',
      name_jp: 'FinCEN 114 — 外国銀行口座報告書(FBAR)',
      jurisdiction: 'us',
      deadline_md: '04-15',
      auto_extension_md: '10-15',  // FBAR has automatic extension to Oct 15
      threshold_note_en: 'Filed separately from 1040 (BSA E-Filing System). $10,000 aggregate any time during the year — single threshold, no filing-status variant.',
      threshold_note_jp: '1040 とは別に提出(BSA E-Filing システム)。年間ピーク総額 $10,000 超で必須。',
      applies: (ctx) => {
        if (ctx.fbar_aggregate_usd > 10000) {
          return { reason_en: 'Your aggregate foreign account peak ($' + Math.round(ctx.fbar_aggregate_usd).toLocaleString() + ') exceeds the $10,000 threshold. FBAR is required.',
                   reason_jp: '外国口座の年間ピーク総額が $10,000 を超過。FBAR 必須。' };
        }
        if (ctx.fbar_aggregate_usd > 7500) {
          return { reason_en: 'Approaching $10,000 threshold. Monitor closely — a single transfer can trigger the requirement.',
                   reason_jp: '$10,000 基準に接近。送金一回でも超過する可能性あり。',
                   approaching: true };
        }
        return false;
      },
      docs_needed: ['fbar_records', 'jp_bank_year_end_balances'],
    },
    {
      id: '8621',
      name_en: 'Form 8621 — PFIC Annual Information Return',
      name_jp: 'Form 8621 — PFIC 年次情報申告',
      jurisdiction: 'us',
      deadline_md: '04-15',
      expat_extension_md: '06-15',
      max_extension_md: '10-15',
      threshold_note_en: 'PFICs include nearly all foreign mutual funds (投資信託), 学資保険, and many JP-domiciled ETFs. Default tax treatment is punitive — gains taxed at the highest ordinary rate plus interest charge. QEF or mark-to-market elections can mitigate but require ongoing reporting.',
      threshold_note_jp: 'PFIC は外国投資信託、学資保険、日本籍 ETF の大部分を含む。デフォルトの課税は懲罰的(最高税率+利子課税)。QEF・MTM 選択で緩和可能だが継続的報告が必要。',
      applies: (ctx) => {
        if (ctx.has_pfic === true) {
          return { reason_en: 'PFIC investment(s) detected: ' + ctx.pfic_account_names.join(', ') + '. Form 8621 required for each PFIC each year held.',
                   reason_jp: 'PFIC 投資を検出。保有期間中は毎年提出が必要。',
                   urgency: 'high' };
        }
        if (ctx.has_pfic === false) return false;
        return false;
      },
      docs_needed: ['pfic_statements', 'jp_brokerage_statements'],
    },
    {
      id: '5471',
      name_en: 'Form 5471 — Information Return of US Persons w/ Foreign Corp',
      name_jp: 'Form 5471 — 外国法人保有米国人情報申告',
      jurisdiction: 'us',
      deadline_md: '04-15',
      expat_extension_md: '06-15',
      max_extension_md: '10-15',
      threshold_note_en: 'Required if you own ≥10% of a foreign corporation (合同会社, 株式会社, GK, KK). GILTI / Subpart F regime applies. Penalties: $10,000 per form per year for non-filing.',
      threshold_note_jp: '外国法人(合同会社・株式会社等)の 10% 以上保有時に必須。罰金は不申告で年間 $10,000/フォーム。',
      applies: (ctx) => {
        if (ctx.has_foreign_corp === true) {
          return { reason_en: 'You\'ve indicated foreign corporation ownership. Form 5471 + GILTI computation required. Strongly recommend a CPA familiar with international corporate tax.',
                   reason_jp: '外国法人保有を選択。Form 5471 と GILTI 計算が必要。国際税務に精通した CPA を強く推奨。',
                   urgency: 'high' };
        }
        return false;
      },
      docs_needed: ['corp_articles', 'corp_financial_statements'],
    },
    {
      id: 'kakutei',
      name_en: '確定申告 — Japan Annual Tax Return',
      name_jp: '確定申告',
      jurisdiction: 'jp',
      window_open_md: '02-16',
      deadline_md: '03-15',
      threshold_note_en: 'Required if you\'re a Japan tax resident with worldwide income (永住者 status: year 6+) OR a non-permanent resident (年 1-5) with JP-source or remitted income. Salary-only employees with single employer often don\'t need to file (年末調整 covers it).',
      threshold_note_jp: '永住者(6年目以降)は全世界所得、非永住者(1-5年)は日本源泉所得・送金所得のみ。単一雇用主の給与のみは年末調整で完結することが多い。',
      applies: (ctx) => {
        if (!ctx.is_jp_resident) {
          // Even non-residents may have a household member who files
          // (e.g., SOFA contractor with JP spouse). Show as informational
          // when responsibility is 'spouse' so the form still appears
          // in context but isn't flagged as the user's own action.
          if (ctx.jp_filing_responsibility === 'spouse') {
            return {
              reason_en: 'Your spouse handles JP-side tax filings — this row is informational. Update via the picker on the calendar card if that changes.',
              reason_jp: '日本側の税務申告は配偶者が対応。情報表示のみ。状況が変わった場合はカレンダーカードのピッカーで変更可能。',
              informational: true,
              spouseHandles: true,
            };
          }
          return false;
        }
        if (ctx.jp_filing_responsibility === 'spouse') {
          return {
            reason_en: 'You are a JP tax resident, but the picker indicates a spouse / family member handles JP-side filings. Coordinate with them — your name may still need to appear on certain forms (e.g., 配偶者控除).',
            reason_jp: 'あなたは日本居住者ですが、配偶者が日本側の申告を担当する設定です。連携を確認(配偶者控除等であなたの記載が必要な場合あり)。',
            informational: true,
            spouseHandles: true,
          };
        }
        return { reason_en: 'Required as a Japan tax resident. File at your local 税務署 between Feb 16 - Mar 15 for prior calendar year.',
                 reason_jp: '日本居住者として必要。前年分を 2/16〜3/15 に管轄税務署へ提出。' };
      },
      docs_needed: ['gensen_choshu', 'medical_receipts', 'furusato_receipts',
                    'mortgage_balance_cert', 'insurance_premium_certs',
                    'us_tax_return_prior_year'],
    },
  ];

  // 8938 thresholds — different for living-abroad vs domestic. Since
  // this module is built for JP-residing US persons, we use the abroad
  // thresholds when the user is a JP tax resident.
  function thresholds_8938(filing_status, is_abroad) {
    if (is_abroad) {
      if (filing_status === 'mfj') return { year_end: 400000, any_time: 600000 };
      return { year_end: 200000, any_time: 300000 };  // single, mfs, hoh, qw
    }
    if (filing_status === 'mfj') return { year_end: 100000, any_time: 150000 };
    return { year_end: 50000, any_time: 75000 };
  }

  // Document catalog — maps internal doc-needs IDs to Document Vault
  // type IDs (where available) and display labels. Used in the
  // document-checklist card to cross-link.
  // vault_type values map to existing TYPES in document-vault.js. For
  // doc-needs that don't have a direct vault counterpart (rental
  // statements, FBAR working papers, etc.) we leave vault_type=null;
  // the checklist still shows them but without a Vault cross-link.
  const DOC_CATALOG = {
    us_w2:                 { en: 'US W-2 from any US employer',                jp: '米国 W-2', vault_type: 'w2' },
    us_1099:               { en: 'US 1099 forms (INT, DIV, B, R, NEC)',        jp: '米国 1099 各種', vault_type: 'ten99' },
    gensen_choshu:         { en: '源泉徴収票 from each JP employer',            jp: '源泉徴収票(各日本雇用主)', vault_type: 'w2' },
    kakutei_shinkoku:      { en: 'Prior year 確定申告 copy',                    jp: '前年の確定申告控え', vault_type: 'tax_return_jp' },
    juminze_assessment:    { en: '住民税 assessment notice (税額決定通知書)',     jp: '住民税額決定通知書', vault_type: null },
    rental_income:         { en: 'Rental income statements',                   jp: '不動産賃貸収入記録', vault_type: null },
    crypto_records:        { en: 'Crypto transaction records (US-source)',      jp: '暗号資産取引記録', vault_type: null },
    jp_residency_certificate: { en: '住民票 (residence certificate)',           jp: '住民票', vault_type: 'residence_card_jp' },
    travel_calendar:       { en: 'Travel calendar (for 330-day FEIE test)',     jp: '渡航記録(FEIE 330日テスト用)', vault_type: null },
    fbar_records:          { en: 'All foreign account peak balances',           jp: '外国口座年間ピーク残高記録', vault_type: 'fbar_confirmation' },
    jp_bank_year_end_balances: { en: 'Japan bank year-end balance certificates', jp: '日本銀行年末残高証明書', vault_type: null },
    pfic_statements:       { en: 'PFIC annual statements (per fund)',           jp: 'PFIC 年次明細(ファンド毎)', vault_type: null },
    jp_brokerage_statements: { en: 'JP brokerage 年間取引報告書 (特定口座)',     jp: '特定口座年間取引報告書', vault_type: null },
    medical_receipts:      { en: 'Medical receipts >¥100k (医療費控除)',        jp: '医療費領収書 ¥10万超', vault_type: null },
    furusato_receipts:     { en: 'Furusato Nozei donation certificates',        jp: 'ふるさと納税寄附金受領証明書', vault_type: null },
    mortgage_balance_cert: { en: 'Year-end mortgage balance certificate (年末残高証明書)', jp: '住宅ローン年末残高証明書', vault_type: 'mortgage_doc' },
    insurance_premium_certs: { en: 'Life / earthquake insurance premium certs (控除証明書)', jp: '生命・地震保険料控除証明書', vault_type: 'insurance_life' },
    us_tax_return_prior_year: { en: 'Prior year US 1040 (for FTC carryover, AGI)', jp: '前年の米国 1040', vault_type: 'tax_return_us' },
    corp_articles:         { en: 'Foreign corp articles of incorporation (定款)', jp: '外国法人定款', vault_type: null },
    corp_financial_statements: { en: 'Foreign corp financial statements',       jp: '外国法人財務諸表', vault_type: null },
  };

  // ====================================================================
  // State accessors
  // ====================================================================

  function getCoord()    { return TB.state.get('tax_coordinator') || {}; }
  function getOverrides(){ return getCoord().manual_overrides || {}; }
  function setSection(section, value) {
    const c = getCoord();
    c[section] = value;
    TB.state.set('tax_coordinator', c);
  }
  function setField(field, value) {
    const c = getCoord();
    c[field] = value;
    TB.state.set('tax_coordinator', c);
  }

  // ====================================================================
  // JP-FILING RESPONSIBILITY (who in the household files JP returns)
  // ====================================================================
  //
  // Many SOFA contractors are exempt from JP income tax under SOFA
  // Article 14 ¶7 (income from US Forces service is not subject to
  // Japanese tax) and don't appear on 住民票 under Article 9 ¶2. When
  // they have a Japanese-national spouse, the spouse handles all
  // JP-side personal returns (確定申告, 住民税, ふるさと納税). Showing
  // the SOFA contractor a calendar full of 確定申告 / 予定納税 / ふるさと
  // 納税 deadlines is wrong — those are their spouse's affair, not
  // theirs.
  //
  // This setting controls whether the user sees JP-side personal
  // filing deadlines as their own, marked as "spouse handles," or
  // hidden entirely. Defaults are derived from onboarding answers but
  // the user can always override.
  //
  // Values:
  //   'self'   — user files their own JP returns (default for JP residents)
  //   'spouse' — spouse / family member handles JP-side
  //   'na'     — no JP filing obligation (default for SOFA / US-only)
  //   'auto'   — derive from onboarding answers (the meta-default)

  function deriveJpFilingResponsibility() {
    const a = TB.state.get('onboarding.answers') || {};
    const fam = Array.isArray(a.family) ? a.family : [a.family].filter(Boolean);
    const hasSpouse = fam.indexOf('jp_spouse') !== -1
                   || fam.indexOf('us_spouse') !== -1
                   || fam.indexOf('third_spouse') !== -1;
    if (a.tax_status === 'sofa_no_file') {
      return hasSpouse ? 'spouse' : 'na';
    }
    if (a.tax_status === 'us_only') return 'na';
    if (a.tax_status === 'japan_resident' || a.tax_status === 'japan_filer') return 'self';
    // Time-based fallback only when tax_status is unset / 'unsure'
    if (a.juminhyou === 'yes') return 'self';
    if (a.years_in_japan === '5_to_10' || a.years_in_japan === 'over_10') return 'self';
    return 'self';
  }

  function getJpFilingResponsibility() {
    const stored = getCoord().jp_filing_responsibility;
    const base = (stored && stored !== 'auto') ? stored : deriveJpFilingResponsibility();
    // VIEW-MODE INVERSION: when the user is exploring the spouse's
    // perspective (settings.view_mode === 'spouse'), responsibility
    // flips. The household's JP-side filer (typically the spouse) sees
    // 確定申告 / 住民税 / ふるさと納税 as their OWN action items, and
    // the US-side filings (the primary user's responsibility) become
    // the muted "spouse handles" rows. 'na' (no JP filing in the
    // household at all) stays 'na' in both views.
    const viewMode = TB.state.get('settings.view_mode') || 'user';
    if (viewMode !== 'spouse') return base;
    if (base === 'spouse') return 'self';   // I see my spouse's view → JP filings are mine
    if (base === 'self')   return 'spouse'; // I usually file → in spouse view, "spouse handles"
    return base;
  }

  // For spouse view, the US side also needs to be flagged as "spouse
  // handles" — but only for US-side personal filings (1040, FBAR,
  // 8938, 8621, 1116/2555). The current calendar already filters JP
  // entries by responsibility; we add a symmetric concept here.
  function usFilingsAreSpouseHandled() {
    return (TB.state.get('settings.view_mode') || 'user') === 'spouse';
  }

  // Convenience: should the calendar show JP personal-filing deadlines
  // (確定申告, 予定納税, ふるさと納税) as actionable items for the user?
  function userFilesJpPersonal() {
    return getJpFilingResponsibility() === 'self';
  }

  // ====================================================================
  // Context builder — gathers facts from every other module so the
  // FORMS predicates can run uniformly.
  // ====================================================================

  function buildContext() {
    const a = TB.state.get('onboarding.answers') || {};
    const overrides = getOverrides();
    const filing_status = getCoord().filing_status || deriveFilingStatus(a);
    const feie_choice = getCoord().feie_or_ftc_choice;

    // JP tax-resident detection.
    //
    // SOFA / US-only status EXPLICITLY OVERRIDES the time-based
    // heuristic — a SOFA contractor in Japan 10+ years is still NOT a
    // JP tax resident under Article 14 ¶7 (income from US Forces
    // service is exempt) and Article 9 ¶2 (exempt from 住民票
    // registration). Treating them as a JP filer would surface
    // confétti calendar entries (確定申告, 予定納税) that don't apply.
    //
    // After the explicit-override check we fall through to the
    // time-based heuristic, which is only used when tax_status is
    // unset or 'unsure'.
    const tracks = TB.state.get('tracks') || [];
    let is_jp_resident;
    if (a.tax_status === 'sofa_no_file' || a.tax_status === 'us_only') {
      is_jp_resident = false;
    } else if (a.tax_status === 'japan_resident' || a.tax_status === 'japan_filer') {
      is_jp_resident = true;
    } else {
      is_jp_resident =
        a.juminhyou === 'yes' ||
        a.years_in_japan === '5_to_10' ||
        a.years_in_japan === 'over_10' ||
        tracks.indexOf('resident') !== -1;
    }

    // Foreign earned income proxy: employed in Japan or self-employed
    // there. Active SOFA contractors / DoD civilians technically have
    // US-source income, not foreign-earned, so they're excluded here.
    const has_foreign_earned_income =
      a.employment === 'japan_company' ||
      a.employment === 'us_company' ||  // expat assignment in Japan
      a.employment === 'self' ||
      overrides.self_employed === true;

    // Paid JP tax proxy — reasonable to assume yes if JP resident with
    // any local income, or explicit override.
    const paid_jp_tax = is_jp_resident || overrides.paid_jp_tax_prior_year === true;

    // Foreign assets aggregation — pull from Assets module.
    const foreign_assets = computeForeignAssetsUsd();
    const fbar_aggregate = computeFbarAggregateUsd();

    // PFIC detection — scan Assets for likely PFIC accounts unless
    // user has explicitly set the override.
    const pfic_scan = scanForPfic();
    const has_pfic = overrides.has_pfic != null ? overrides.has_pfic : pfic_scan.detected;

    return {
      filing_status: filing_status,
      filing_status_label: filingStatusLabel(filing_status),
      feie_choice: feie_choice,
      is_jp_resident: is_jp_resident,
      jp_filing_responsibility: getJpFilingResponsibility(),
      has_foreign_earned_income: has_foreign_earned_income,
      paid_jp_tax: paid_jp_tax,
      foreign_assets_usd: foreign_assets.year_end,
      foreign_assets_usd_max: foreign_assets.peak,
      fbar_aggregate_usd: fbar_aggregate,
      has_pfic: has_pfic,
      pfic_account_names: pfic_scan.names,
      has_foreign_corp: overrides.has_foreign_corp === true,
    };
  }

  function deriveFilingStatus(answers) {
    const fam = Array.isArray(answers.family) ? answers.family : [answers.family].filter(Boolean);
    if (fam.indexOf('jp_spouse') !== -1) return 'mfs';      // JP spouse no ITIN — common
    if (fam.indexOf('us_spouse') !== -1) return 'mfj';
    if (fam.indexOf('third_spouse') !== -1) return 'mfs';
    return 'single';
  }

  function filingStatusLabel(s) {
    return ({
      single: 'Single',
      mfj:    'Married Filing Jointly',
      mfs:    'Married Filing Separately',
      hoh:    'Head of Household',
      qw:     'Qualifying Widow(er)',
    })[s] || 'Unknown';
  }

  // Foreign asset computation — sum non-US accounts (country !== 'US')
  // in USD. Returns both year-end (best proxy: current balance) and
  // peak (we don't track peak, so use current as conservative max).
  function computeForeignAssetsUsd() {
    if (!TB.assets || typeof TB.assets.getActiveAccounts !== 'function') {
      return { year_end: 0, peak: 0 };
    }
    let total = 0;
    for (const acc of TB.assets.getActiveAccounts()) {
      if (acc.country === 'US') continue;
      total += TB.assets.toUsd(acc.balance_native, acc.currency);
    }
    return { year_end: total, peak: total };
  }

  // FBAR aggregate — sum yearly_balances for the most recent year if
  // FBAR data exists, else fall back to Assets computation.
  function computeFbarAggregateUsd() {
    const fbar = TB.state.get('fbar') || {};
    const yb = Array.isArray(fbar.yearly_balances) ? fbar.yearly_balances : [];
    if (yb.length === 0) return computeForeignAssetsUsd().year_end;
    // Find most recent year with data.
    const latest = yb.reduce((max, b) => Math.max(max, b.year || 0), 0);
    if (!latest) return 0;
    let sum = 0;
    for (const b of yb) {
      if (b.year !== latest) continue;
      sum += b.max_balance_usd || 0;
    }
    return sum;
  }

  // PFIC detector — scans Assets for likely PFIC holdings. Heuristics:
  //   - Country is JP AND tax_wrapper is taxable_brokerage → likely
  //     contains 投資信託 (almost guaranteed PFIC)
  //   - tax_wrapper indicates JP fixed deposit + currency JPY → not PFIC
  //   - name/notes contain "投資信託", "fund", "ETF" + non-US country
  //
  // This is a heuristic — user can override via the manual_overrides.
  function scanForPfic() {
    const out = { detected: false, names: [] };
    if (!TB.assets || typeof TB.assets.getActiveAccounts !== 'function') {
      return out;
    }
    const PFIC_KEYWORDS = ['投資信託', '学資保険', 'mutual fund', 'mutualfund', 'fund', 'etf', 'ニーサ', 'NISA', 'iDeCo', 'idoco'];
    for (const acc of TB.assets.getActiveAccounts()) {
      if (acc.country === 'US') continue;
      const haystack = (acc.name + ' ' + (acc.notes || '') + ' ' + acc.institution).toLowerCase();
      const looksPfic = PFIC_KEYWORDS.some((k) => haystack.indexOf(k.toLowerCase()) !== -1);
      // Plain JP savings/checking/fixed-deposit are NOT PFIC.
      const isJustBank = ['jp_savings', 'jp_checking', 'jp_fixed_deposit'].indexOf(acc.tax_wrapper) !== -1;
      if (looksPfic && !isJustBank) {
        out.detected = true;
        out.names.push(acc.name + ' (' + acc.institution + ')');
      }
    }
    return out;
  }

  // ====================================================================
  // Deadline computation
  // ====================================================================

  // Build the calendar of upcoming deadlines for the next 12 months.
  // Returns sorted array: [{ id, name_en, name_jp, date: Date, jurisdiction, form_id, days_until }]
  function buildDeadlineCalendar(ctx) {
    const today = new Date(); today.setHours(0,0,0,0);
    const horizonEnd = new Date(today); horizonEnd.setFullYear(today.getFullYear() + 1);
    const out = [];

    function addRecurring(name_en, name_jp, monthDay, jurisdiction, form_id, opts) {
      const [m, d] = monthDay.split('-').map((s) => parseInt(s, 10));
      // Try this year, next year — pick whichever falls in the horizon
      // and is still future.
      for (const yr of [today.getFullYear(), today.getFullYear() + 1]) {
        const dt = new Date(yr, m - 1, d);
        if (dt < today) continue;
        if (dt > horizonEnd) continue;
        const days = Math.round((dt - today) / 86400000);
        out.push({
          id: form_id + '_' + yr,
          name_en, name_jp, date: dt, jurisdiction,
          form_id, days_until: days,
          informational: !!(opts && opts.informational),
          spouseHandles: !!(opts && opts.spouseHandles),
        });
        break;
      }
    }

    // 確定申告 window (JP) — only if applicable.
    //
    // Three states for JP-side personal filings:
    //   userFilesJpPersonal()  → show as user's own deadlines
    //   responsibility==='spouse' → show as informational (spouse handles)
    //   responsibility==='na' (or no JP residency) → omit entirely
    const jpResp = getJpFilingResponsibility();
    const showJpPersonal = ctx.is_jp_resident || jpResp === 'self' || jpResp === 'spouse';
    const jpPersonalAsInformational = jpResp !== 'self';
    const jpPersonalSuffix = jpResp === 'spouse' ? ' (spouse handles)' : '';
    const jpPersonalSuffixJp = jpResp === 'spouse' ? '(配偶者対応)' : '';
    if (showJpPersonal && jpResp !== 'na') {
      addRecurring('確定申告 window opens' + jpPersonalSuffix, '確定申告 受付開始' + jpPersonalSuffixJp,
        '02-16', 'jp', 'kakutei_open', { informational: true, spouseHandles: jpResp === 'spouse' });
      addRecurring('確定申告 deadline' + jpPersonalSuffix, '確定申告 提出期限' + jpPersonalSuffixJp,
        '03-15', 'jp', 'kakutei', { informational: jpPersonalAsInformational, spouseHandles: jpResp === 'spouse' });
    }

    // US 1040 — base deadline + automatic 2-month expat extension.
    // In spouse view, US-side filings flip to "spouse handles" (your
    // spouse is the JP filer; YOU handle US — so when she's looking,
    // these are someone else's actions). usSuffix mirrors the JP
    // suffix logic above.
    const usSpouseHandles = usFilingsAreSpouseHandled();
    const usSuffix = usSpouseHandles ? ' (spouse handles)' : '';
    const usSuffixJp = usSpouseHandles ? '(配偶者対応)' : '';
    addRecurring('US 1040 standard deadline' + usSuffix, 'US 1040 通常期限' + usSuffixJp,
      '04-15', 'us', '1040', { informational: usSpouseHandles, spouseHandles: usSpouseHandles });
    addRecurring('US 1040 expat auto-extension' + usSuffix, 'US 1040 海外居住者自動延長' + usSuffixJp,
      '06-15', 'us', '1040_expat', { informational: true, spouseHandles: usSpouseHandles });
    addRecurring('US 1040 extended deadline (Form 4868)' + usSuffix, 'US 1040 延長期限(Form 4868)' + usSuffixJp,
      '10-15', 'us', '1040_ext', { informational: usSpouseHandles, spouseHandles: usSpouseHandles });

    // FBAR — Apr 15 with automatic Oct 15 extension
    if (ctx.fbar_aggregate_usd > 0 || ctx.foreign_assets_usd > 5000) {
      addRecurring('FBAR (FinCEN 114) deadline' + usSuffix, 'FBAR(FinCEN 114)期限' + usSuffixJp,
        '04-15', 'us', 'fbar', { informational: usSpouseHandles, spouseHandles: usSpouseHandles });
      addRecurring('FBAR auto-extended deadline' + usSuffix, 'FBAR 自動延長期限' + usSuffixJp,
        '10-15', 'us', 'fbar_ext', { informational: true, spouseHandles: usSpouseHandles });
    }

    // Quarterly estimated payments (only for self-employed or
    // significant non-W2 income — heuristic via SE override or large
    // brokerage holdings).
    const overrides = getOverrides();
    const showQuarterly = overrides.self_employed === true;
    if (showQuarterly) {
      addRecurring('Q1 estimated payment',  'Q1 予定納税', '04-15', 'us', 'q1_est');
      addRecurring('Q2 estimated payment',  'Q2 予定納税', '06-15', 'us', 'q2_est');
      addRecurring('Q3 estimated payment',  'Q3 予定納税', '09-15', 'us', 'q3_est');
      addRecurring('Q4 estimated payment',  'Q4 予定納税', '01-15', 'us', 'q4_est');
    }

    // JP 予定納税 (mid-year prepayment, July & November) — applicable
    // to JP residents with prior-year tax > ¥150K. Jurisdiction badge
    // makes the "JP" prefix redundant — name reads naturally. Honors
    // the same JP-filing-responsibility setting as 確定申告 above.
    if (showJpPersonal && jpResp !== 'na') {
      addRecurring('予定納税 1st installment' + jpPersonalSuffix, '予定納税(第1期)' + jpPersonalSuffixJp,
        '07-31', 'jp', 'jp_yotei_1', { informational: true, spouseHandles: jpResp === 'spouse' });
      addRecurring('予定納税 2nd installment' + jpPersonalSuffix, '予定納税(第2期)' + jpPersonalSuffixJp,
        '11-30', 'jp', 'jp_yotei_2', { informational: true, spouseHandles: jpResp === 'spouse' });
    }

    // Furusato Nozei deadline — only meaningful if JP resident.
    if (showJpPersonal && jpResp !== 'na') {
      addRecurring('ふるさと納税 deadline (donations posted by 12/31)' + jpPersonalSuffix,
        'ふるさと納税期限(12/31 までに決済)' + jpPersonalSuffixJp,
        '12-31', 'jp', 'furusato', { informational: true, spouseHandles: jpResp === 'spouse' });
    }

    out.sort((a, b) => a.date - b.date);
    return out;
  }

  // ====================================================================
  // Display helpers
  // ====================================================================

  // Small colored badge identifying jurisdiction (US / JP). Replaces
  // the 🇺🇸/🇯🇵 flag emojis which don't render reliably on Windows
  // (regional-indicator pairs fall back to plain "US"/"JP" letters
  // in a way that looks like a layout bug). Inline-block so it sits
  // cleanly next to text.
  function jurisdictionBadge(j) {
    const isJp = j === 'jp';
    return TB.utils.el('span', {
      style: {
        display: 'inline-block',
        padding: '1px 6px',
        marginRight: '6px',
        fontSize: 'var(--tb-fs-12)',
        fontWeight: '700',
        letterSpacing: '0.04em',
        borderRadius: 'var(--tb-radius-pill)',
        color: '#fff',
        background: isJp ? '#B23A3A' : '#1A4480',  // JP red, US navy
        verticalAlign: 'baseline',
      },
    }, isJp ? 'JP' : 'US');
  }

  // ====================================================================
  // Module render
  // ====================================================================

  // Predicates for auto-show.
  //
  // SOFA / US-only tax status explicitly overrides the time-based
  // heuristic — see the longer comment in buildContext().
  function isJpResident() {
    const a = TB.state.get('onboarding.answers') || {};
    if (a.tax_status === 'sofa_no_file' || a.tax_status === 'us_only') return false;
    if (a.tax_status === 'japan_resident' || a.tax_status === 'japan_filer') return true;
    const tracks = TB.state.get('tracks') || [];
    return a.juminhyou === 'yes'
        || a.years_in_japan === '5_to_10' || a.years_in_japan === 'over_10'
        || tracks.indexOf('resident') !== -1;
  }

  const SECTIONS = [
    { id: 'header',    always: true, builder: () => buildHeaderCard() },
    {
      id: 'calendar',
      label_en: 'Year-at-a-glance calendar',
      label_jp: '年間カレンダー',
      description_en: 'Upcoming US + JP filing deadlines for the next 12 months.',
      description_jp: '今後 12 ヶ月の米国 + 日本の申告期限。',
      auto_show: () => true,
      builder: () => buildCalendarCard(),
    },
    {
      id: 'assessment',
      label_en: 'Forms assessment',
      label_jp: '必要申告書の判定',
      description_en: 'Per-form applicability with reasoning (1040, 2555/1116, FBAR, 8938, 8621, 5471, 確定申告).',
      description_jp: '各申告書の適用判定と理由(1040・2555/1116・FBAR・8938・8621・5471・確定申告)。',
      auto_show: () => true,
      builder: () => buildAssessmentCard(),
    },
    {
      id: 'feie_vs_ftc',
      label_en: 'FEIE vs FTC decision support',
      label_jp: 'FEIE vs FTC 判断サポート',
      description_en: 'Side-by-side comparison + your election picker.',
      description_jp: '横並び比較とあなたの選択ピッカー。',
      auto_show: isJpResident,
      builder: () => buildFeieFtcCard(),
    },
    {
      id: 'pfic',
      label_en: 'PFIC alert (Form 8621)',
      label_jp: 'PFIC 警告(Form 8621)',
      description_en: 'Auto-detects 投資信託 / 学資保険 in Assets and surfaces mitigation paths.',
      description_jp: 'Asset の投資信託・学資保険を自動検出し、緩和策を表示。',
      auto_show: hasPficCallout,
      builder: () => buildPficCard(),
    },
    {
      id: 'spouse',
      label_en: 'Spouse strategy (MFJ vs MFS)',
      label_jp: '配偶者戦略(MFJ vs MFS)',
      description_en: '§6013(g) election trade-offs for non-US-person spouse.',
      description_jp: '非米国人配偶者の §6013(g) 選択トレードオフ。',
      auto_show: hasJpSpouseCallout,
      builder: () => buildSpouseCard(),
    },
    {
      id: 'docs',
      label_en: 'Document collection checklist',
      label_jp: '書類収集チェックリスト',
      description_en: 'Documents needed by applicable forms; cross-references Document Vault.',
      description_jp: '適用申告書に必要な書類;Document Vault と相互参照。',
      auto_show: () => true,
      builder: () => buildDocChecklistCard(),
    },
    {
      id: 'preparer',
      label_en: 'Tax preparer info',
      label_jp: '税務担当者情報',
      description_en: 'CPA / 税理士 contact + next appointment date.',
      description_jp: 'CPA・税理士の連絡先と次回予約日。',
      auto_show: () => true,
      builder: () => buildPreparerCard(),
    },
    {
      id: 'cpa_briefing',
      label_en: 'CPA briefing generator',
      label_jp: 'CPA 打合せ資料の生成',
      description_en: 'One-click pre-meeting prep doc summarizing your situation, applicable forms, asset snapshot, and upcoming deadlines. Downloads as Markdown.',
      description_jp: '状況・適用申告書・資産スナップショット・期限を要約した打合せ前の準備資料をワンクリック生成。Markdown としてダウンロード。',
      auto_show: () => true,
      builder: () => buildCpaBriefingCard(),
    },
    {
      id: 'overrides',
      label_en: 'Manual overrides',
      label_jp: '手動オーバーライド',
      description_en: 'Override auto-detection for PFIC, foreign corp, self-employment.',
      description_jp: 'PFIC・外国法人・自営業の自動検出を上書き。',
      auto_show: () => true,
      builder: () => buildOverridesCard(),
    },
    { id: 'resources', always: true, builder: () => buildResourcesCard() },
  ];

  let host = null;
  let listenerSet = false;

  function render(container) {
    host = container;
    if (!listenerSet) {
      TB.customize.onChange(id, () => rerender());
      listenerSet = true;
    }
    container.innerHTML = '';
    SECTIONS.forEach((s) => {
      if (s.always || TB.customize.isSectionEnabled(id, s.id, s.auto_show)) {
        container.appendChild(s.builder());
      }
    });
    container.appendChild(TB.customize.buildPanel(id, SECTIONS));
  }

  function rerender() { if (host) render(host); }

  // ─── Header ───────────────────────────────────────────────────────

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'tax' },
      el('div', { class: 'tb-card-meta' },
        el('span', { class: 'tb-badge tb-badge--track', 'data-track': 'tax' },
          t('tax.badge')),
      ),
      el('h1', null, '🗂 ' + t('tax.title')),
      el('p', { class: 'tb-card-meta' }, t('tax.subtitle')),
    );
    // Vision import — shows extracted W-2 / 源泉徴収票 numbers in a
    // results modal so the user can copy them into their tax prep.
    // No structured per-year storage in this module yet, so we don't
    // auto-persist; user can save the doc to Document Vault from the
    // results modal.
    if (TB.ai && typeof TB.ai.callClaudeVisionForStructuredDoc === 'function') {
      const w2Btn = buildTaxDocImportButton('w2_us', '📎 ' + t('tax.import.w2.btn'));
      const gensenBtn = buildTaxDocImportButton('gensen_choshu_jp', '📎 ' + t('tax.import.gensen.btn'));
      card.appendChild(el('div', {
        style: { display: 'flex', gap: 'var(--tb-sp-2)', flexWrap: 'wrap',
          marginTop: 'var(--tb-sp-3)' },
      }, w2Btn, gensenBtn));
      card.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: '4px' } },
        t('tax.import.help')));
    }
    return card;
  }

  // Build an upload button that runs structured-doc vision and shows
  // extracted fields in a results modal. Supports W-2 (US) and 源泉徴収票
  // (JP). Doesn't persist into tax_coordinator state — that surface is
  // strategic, not per-year financial data — but offers to save the
  // source doc into Document Vault for inventory.
  function buildTaxDocImportButton(kind, label) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const fileInput = el('input', {
      type: 'file',
      accept: 'image/png,image/jpeg,image/jpg,image/webp,application/pdf',
      style: { display: 'none' },
      onchange: async (e) => {
        const f = e.target.files && e.target.files[0];
        if (f) await runTaxDocVision(f, kind);
        e.target.value = '';
      },
    });
    const btn = el('button', {
      class: 'tb-btn tb-btn--secondary', type: 'button',
      style: { padding: '4px 12px', fontSize: '12px' },
      onclick: (e) => { e.preventDefault(); fileInput.click(); },
    }, label);
    return el('span', null, btn, fileInput);
  }

  async function runTaxDocVision(file, kind) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '600px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });
    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      '🗂 ' + t(kind === 'w2_us' ? 'tax.import.w2.title' : 'tax.import.gensen.title')));
    const status = el('p', { class: 'tb-card-meta' }, '⏳ ' + t('tax.import.processing'));
    modal.appendChild(status);
    root.innerHTML = '';
    root.appendChild(backdrop);
    try {
      const result = await TB.ai.callClaudeVisionForStructuredDoc(file, kind, {
        feature: 'document_vision',
      });
      const ext = (result && result.extracted) || {};
      const cost = (result.cost_usd || 0).toFixed(4);
      status.textContent = '✓ ' + t('tax.import.done', { cost });
      // Build a key/value table of extracted fields
      const table = el('table', { class: 'tb-table', style: { width: '100%', marginTop: 'var(--tb-sp-2)' } });
      const tbody = el('tbody');
      Object.keys(ext).forEach((k) => {
        const v = ext[k];
        if (v == null) return;
        let display = v;
        if (typeof v === 'number') display = v.toLocaleString();
        if (Array.isArray(v))      display = v.join(', ');
        tbody.appendChild(el('tr', null,
          el('td', { style: { fontWeight: '600', padding: '4px 8px', verticalAlign: 'top' } }, k),
          el('td', { style: { padding: '4px 8px', fontFamily: 'var(--tb-font-mono)' } }, String(display)),
        ));
      });
      table.appendChild(tbody);
      modal.appendChild(table);
      // Save to Document Vault button (when available)
      if (TB.docVault && typeof TB.docVault.upsertItem === 'function') {
        modal.appendChild(el('div', { style: { marginTop: 'var(--tb-sp-3)' } },
          el('button', {
            class: 'tb-btn', type: 'button',
            onclick: () => {
              try {
                TB.docVault.upsertItem({
                  id: 'doc-' + Date.now().toString(36),
                  category: 'tax',
                  type: kind === 'w2_us' ? 'w2' : 'tax_return_jp',
                  title: kind === 'w2_us'
                    ? 'W-2 ' + (ext.tax_year || '')
                    : '源泉徴収票 ' + (ext.tax_year || ''),
                  person_name: ext.employee_name || '',
                  issuing_authority: ext.employer_name || '',
                  issue_date: null,
                  expiry_date: null,
                  storage_location: file.name || '',
                  notes: 'Imported from Tax module · ' + file.name,
                  linked_module: 'tax-coordinator',
                  ai_imported: true,
                  ai_cost_usd: result.cost_usd || 0,
                  created_at: new Date().toISOString(),
                  updated_at: new Date().toISOString(),
                });
                close();
                alert(t('tax.import.savedToVault'));
              } catch (err) {
                alert(t('tax.import.vaultError') + ': ' + err.message);
              }
            },
          }, '💾 ' + t('tax.import.saveToVault'))));
      }
      modal.appendChild(el('div', { style: { display: 'flex', justifyContent: 'flex-end', marginTop: 'var(--tb-sp-3)' } },
        el('button', { class: 'tb-btn tb-btn--ghost', type: 'button', onclick: close }, t('tax.cancel'))));
    } catch (err) {
      status.textContent = '✗ ' + (err.message || err);
      status.style.color = 'var(--tb-error)';
    }
  }

  // ─── Year-at-a-glance calendar ────────────────────────────────────

  function buildCalendarCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const ctx = buildContext();
    const deadlines = buildDeadlineCalendar(ctx);

    const card = el('div', { class: 'tb-card', 'data-track': 'tax' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📅 ' + t('tax.section.calendar')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('tax.calendar.intro')));

    // JP-filing-responsibility picker. Lets users opt out of JP-side
    // personal-filing deadlines that are handled by a spouse or that
    // don't apply to them at all (SOFA contractors).
    card.appendChild(buildJpRespPicker());

    if (deadlines.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('tax.calendar.empty')));
      return card;
    }

    // Build a single deadline row. Used for both the main list and
    // the collapsed-by-default spouse-handled section so styling
    // stays consistent.
    function buildDeadlineRow(d) {
      // Spouse-handled rows render as muted/secondary even when they
      // would otherwise be "actionable" — they're the spouse's action,
      // not the user's.
      const isUrgent = d.days_until <= 14 && !d.informational && !d.spouseHandles;
      const isSoon = d.days_until <= 45 && !d.informational && !d.spouseHandles;
      const color = isUrgent ? 'var(--tb-error)'
                  : isSoon ? 'var(--tb-warn)'
                  : (d.informational || d.spouseHandles) ? 'var(--tb-text-soft)'
                  : 'var(--tb-track-tax)';
      const row = el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '4px solid ' + color,
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
          opacity: d.spouseHandles ? '0.7' : '1',
        },
      });
      const titleNode = el('div', {
        style: {
          fontWeight: d.informational ? '500' : '600',
          color: (d.informational || d.spouseHandles) ? 'var(--tb-text-soft)' : 'var(--tb-text)',
        },
      },
        jurisdictionBadge(d.jurisdiction),
        lang === 'ja' ? d.name_jp : d.name_en);
      if (d.spouseHandles) {
        titleNode.appendChild(el('span', {
          style: {
            display: 'inline-block',
            marginLeft: 'var(--tb-sp-2)',
            padding: '0 6px',
            fontSize: '10px',
            fontWeight: '600',
            letterSpacing: '0.04em',
            textTransform: 'uppercase',
            color: 'var(--tb-text-soft)',
            border: '1px solid var(--tb-border)',
            borderRadius: 'var(--tb-radius-pill)',
            verticalAlign: 'middle',
          },
        }, '👥 ' + t('tax.calendar.spouseTag')));
      }
      row.appendChild(el('div', null,
        titleNode,
        el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
          d.date.toISOString().slice(0, 10)),
      ));
      row.appendChild(el('div', {
        style: {
          textAlign: 'right',
          fontFamily: 'var(--tb-font-mono)',
          fontSize: 'var(--tb-fs-12)',
          color: color,
          whiteSpace: 'nowrap',
        },
      }, d.days_until + 'd'));
      return row;
    }

    // Partition deadlines: ones the user personally actions vs.
    // ones the spouse handles. Spouse-handled rows go into a
    // collapsible <details> below the main list so the user only
    // sees their own deadlines by default but can still expand to
    // see the household's full picture.
    const mine   = deadlines.filter((d) => !d.spouseHandles);
    const spouse = deadlines.filter((d) =>  d.spouseHandles);

    const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)' } });
    mine.forEach((d) => list.appendChild(buildDeadlineRow(d)));
    card.appendChild(list);

    if (spouse.length > 0) {
      // Persist the open/closed state across sessions so the user's
      // preference sticks. Default closed — that's the whole point
      // of this collapse: the user explicitly said "I'm not concerned
      // about the docs my wife files."
      const prefKey = 'tax_coordinator.calendar_spouse_expanded';
      const initiallyOpen = !!TB.state.get(prefKey);

      const details = el('details', {
        style: {
          marginTop: 'var(--tb-sp-2)',
          padding: '0',
          background: 'transparent',
        },
        ontoggle: (e) => {
          // Persist user's choice — open() sets true, close() false.
          TB.state.set(prefKey, !!e.target.open);
        },
      });
      if (initiallyOpen) details.open = true;

      const summary = el('summary', {
        style: {
          cursor: 'pointer',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)',
          borderLeft: '4px solid var(--tb-text-soft)',
          fontSize: 'var(--tb-fs-12)',
          color: 'var(--tb-text-soft)',
          fontWeight: '600',
          letterSpacing: '0.02em',
          listStyle: 'none', // hide default disclosure triangle on browsers that show one
        },
      });
      // Use a plain text chevron so the open/closed state reads
      // without relying on a CSS pseudo-element. Updated on toggle.
      const chevron = el('span', {
        style: { display: 'inline-block', marginRight: '6px', fontFamily: 'var(--tb-font-mono)' },
      }, initiallyOpen ? '▼' : '▶');
      summary.appendChild(chevron);
      summary.appendChild(el('span', null,
        '👥 ' + t('tax.calendar.spouseGroup.summary', { n: spouse.length })));
      // Wire the toggle to keep the chevron in sync.
      details.addEventListener('toggle', () => {
        chevron.textContent = details.open ? '▼' : '▶';
      });
      details.appendChild(summary);

      const spouseList = el('div', {
        style: {
          display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)',
          marginTop: 'var(--tb-sp-2)',
        },
      });
      spouse.forEach((d) => spouseList.appendChild(buildDeadlineRow(d)));
      details.appendChild(spouseList);

      card.appendChild(details);
    }

    return card;
  }

  // ─── JP-filing-responsibility picker ──────────────────────────────
  //
  // Rendered inline inside the calendar card. Three options + auto.
  // Updating the picker re-renders the whole module so the calendar,
  // forms assessment, and document checklist all reflow.

  function buildJpRespPicker() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const stored = getCoord().jp_filing_responsibility || 'auto';
    const derived = deriveJpFilingResponsibility();
    const a = TB.state.get('onboarding.answers') || {};
    const fam = Array.isArray(a.family) ? a.family : [a.family].filter(Boolean);
    const isSofa = a.tax_status === 'sofa_no_file';
    const hasSpouse = fam.indexOf('jp_spouse') !== -1
                   || fam.indexOf('us_spouse') !== -1
                   || fam.indexOf('third_spouse') !== -1;

    const wrap = el('div', {
      style: {
        background: 'var(--tb-bg)',
        border: '1px solid var(--tb-border)',
        borderLeft: '4px solid var(--tb-track-tax)',
        borderRadius: 'var(--tb-radius-2)',
        padding: 'var(--tb-sp-3)',
        margin: 'var(--tb-sp-3) 0',
      },
    });
    wrap.appendChild(el('div', {
      style: {
        fontSize: 'var(--tb-fs-12)',
        fontWeight: '600',
        textTransform: 'uppercase',
        letterSpacing: '0.06em',
        color: 'var(--tb-text-soft)',
        marginBottom: 'var(--tb-sp-2)',
      },
    }, '👥 ' + t('tax.jpresp.title')));
    wrap.appendChild(el('p', { class: 'tb-card-meta', style: { margin: '0 0 var(--tb-sp-3)' } },
      t('tax.jpresp.intro')));

    // SOFA-specific contextual note when the user is SOFA + has spouse,
    // because that's the canonical "spouse handles" pattern and worth
    // calling out directly so users understand WHY this control exists.
    if (isSofa && hasSpouse) {
      wrap.appendChild(el('p', {
        class: 'tb-field-help',
        style: { margin: '0 0 var(--tb-sp-3)', color: 'var(--tb-text-soft)' },
      }, '💡 ' + t('tax.jpresp.sofaNote')));
    }

    const OPTIONS = [
      { value: 'auto',   label: t('tax.jpresp.opt.auto', { d: t('tax.jpresp.derived.' + derived) }) },
      { value: 'self',   label: t('tax.jpresp.opt.self') },
      { value: 'spouse', label: t('tax.jpresp.opt.spouse') },
      { value: 'na',     label: t('tax.jpresp.opt.na') },
    ];
    const select = el('select', {
      class: 'tb-select',
      style: { maxWidth: '360px' },
      onchange: (e) => {
        setField('jp_filing_responsibility', e.target.value);
        rerender();
      },
    });
    for (const opt of OPTIONS) {
      select.appendChild(el('option', { value: opt.value, selected: stored === opt.value }, opt.label));
    }
    wrap.appendChild(select);
    return wrap;
  }

  // ─── Forms assessment ─────────────────────────────────────────────

  function buildAssessmentCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const ctx = buildContext();

    const card = el('div', { class: 'tb-card', 'data-track': 'tax' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📋 ' + t('tax.section.assessment')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('tax.assessment.intro')));

    // Filing status display + edit
    const fsRow = el('div', {
      style: {
        display: 'flex', alignItems: 'center', justifyContent: 'space-between',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)',
        marginBottom: 'var(--tb-sp-3)', gap: 'var(--tb-sp-3)',
      },
    });
    fsRow.appendChild(el('div', null,
      el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' } },
        t('tax.filing_status.label')),
      el('div', { style: { fontWeight: '600' } }, ctx.filing_status_label),
    ));
    const fsSel = el('select', {
      class: 'tb-select',
      style: { maxWidth: '220px' },
      onchange: (e) => { setField('filing_status', e.target.value || null); rerender(); },
    },
      el('option', { value: '', selected: !getCoord().filing_status },
        t('tax.filing_status.auto')),
      ['single', 'mfj', 'mfs', 'hoh', 'qw'].map((s) =>
        el('option', { value: s, selected: getCoord().filing_status === s },
          filingStatusLabel(s))),
    );
    fsRow.appendChild(fsSel);
    card.appendChild(fsRow);

    // Build a single form row. Returns the <details> element so the
    // caller can route it to either the user-pile or the spouse-pile
    // collapsible group below.
    function buildFormRow(form) {
      const result = form.applies(ctx);
      let icon, color, body_en, body_jp;
      if (result === false || result == null) {
        icon = '○'; color = 'var(--tb-text-soft)';
        body_en = 'Not currently required.';
        body_jp = '現時点では不要。';
      } else if (result.informational) {
        icon = 'ℹ'; color = 'var(--tb-track-tax)';
        body_en = result.reason_en; body_jp = result.reason_jp;
      } else if (result.approaching) {
        icon = '⚠'; color = 'var(--tb-warn)';
        body_en = result.reason_en; body_jp = result.reason_jp;
      } else if (result.urgency === 'high') {
        icon = '⚠'; color = 'var(--tb-error)';
        body_en = result.reason_en; body_jp = result.reason_jp;
      } else {
        icon = '✓'; color = 'var(--tb-success)';
        body_en = result.reason_en; body_jp = result.reason_jp;
      }
      const row = el('details', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid ' + color,
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      });
      const summary = el('summary', {
        style: { cursor: 'pointer', display: 'flex', alignItems: 'baseline', gap: 'var(--tb-sp-2)' },
      });
      summary.appendChild(el('span', { style: { color, fontWeight: '700', fontSize: 'var(--tb-fs-18)' } }, icon));
      const titleSpan = el('span', { style: { fontWeight: '600' } },
        jurisdictionBadge(form.jurisdiction),
        lang === 'ja' ? form.name_jp : form.name_en);
      if (result && result.spouseHandles) {
        titleSpan.appendChild(el('span', {
          style: {
            display: 'inline-block',
            marginLeft: 'var(--tb-sp-2)',
            padding: '0 6px',
            fontSize: '10px',
            fontWeight: '600',
            letterSpacing: '0.04em',
            textTransform: 'uppercase',
            color: 'var(--tb-text-soft)',
            border: '1px solid var(--tb-border)',
            borderRadius: 'var(--tb-radius-pill)',
            verticalAlign: 'middle',
          },
        }, '👥 ' + t('tax.calendar.spouseTag')));
      }
      summary.appendChild(titleSpan);
      row.appendChild(summary);
      const body = el('div', { style: { marginTop: 'var(--tb-sp-2)', paddingLeft: '32px' } });
      body.appendChild(el('p', { style: { margin: '0 0 var(--tb-sp-2)' } },
        lang === 'ja' ? body_jp : body_en));
      if (form.threshold_note_en) {
        body.appendChild(el('div', {
          class: 'tb-field-help',
          style: { padding: 'var(--tb-sp-2)', background: 'var(--tb-bg-elev)', borderRadius: 'var(--tb-radius-1)', marginBottom: 'var(--tb-sp-2)' },
        }, lang === 'ja' ? form.threshold_note_jp : form.threshold_note_en));
      }
      if (form.deadline_md) {
        const deadlineText = form.window_open_md
          ? (lang === 'ja' ? '期限:' : 'Window: ') + form.window_open_md + ' – ' + form.deadline_md
          : (lang === 'ja' ? '期限:' : 'Deadline: ') + form.deadline_md +
            (form.expat_extension_md ? (lang === 'ja' ? ' (海外居住者自動延長 ' : ' (expat auto-extension ') + form.expat_extension_md + ')' : '') +
            (form.max_extension_md ? (lang === 'ja' ? ' (Form 4868 で ' : ' (Form 4868 to ') + form.max_extension_md + ')' : '') +
            (form.auto_extension_md ? (lang === 'ja' ? ' (自動延長 ' : ' (auto-extended to ') + form.auto_extension_md + ')' : '');
        body.appendChild(el('div', { class: 'tb-field-help' }, deadlineText));
      }
      row.appendChild(body);
      return { row, isSpouse: !!(result && result.spouseHandles) };
    }

    // Same pattern as the calendar card: render user-pile forms
    // directly; group spouse-handled forms in a collapsed <details>
    // below. Default closed, persisted in state so it sticks.
    const userForms = [];
    const spouseForms = [];
    FORMS.forEach((form) => {
      const built = buildFormRow(form);
      (built.isSpouse ? spouseForms : userForms).push(built.row);
    });
    userForms.forEach((r) => card.appendChild(r));

    if (spouseForms.length > 0) {
      const prefKey = 'tax_coordinator.assessment_spouse_expanded';
      const initiallyOpen = !!TB.state.get(prefKey);
      const details = el('details', {
        style: { marginTop: 'var(--tb-sp-2)' },
        ontoggle: (e) => { TB.state.set(prefKey, !!e.target.open); },
      });
      if (initiallyOpen) details.open = true;
      const summary = el('summary', {
        style: {
          cursor: 'pointer',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)',
          borderLeft: '3px solid var(--tb-text-soft)',
          fontSize: 'var(--tb-fs-12)',
          color: 'var(--tb-text-soft)',
          fontWeight: '600',
          letterSpacing: '0.02em',
          listStyle: 'none',
        },
      });
      const chevron = el('span', {
        style: { display: 'inline-block', marginRight: '6px', fontFamily: 'var(--tb-font-mono)' },
      }, initiallyOpen ? '▼' : '▶');
      summary.appendChild(chevron);
      summary.appendChild(el('span', null,
        '👥 ' + t('tax.assessment.spouseGroup.summary', { n: spouseForms.length })));
      details.addEventListener('toggle', () => {
        chevron.textContent = details.open ? '▼' : '▶';
      });
      details.appendChild(summary);
      const inner = el('div', { style: { marginTop: 'var(--tb-sp-2)' } });
      spouseForms.forEach((r) => inner.appendChild(r));
      details.appendChild(inner);
      card.appendChild(details);
    }

    return card;
  }

  // ─── FEIE vs FTC decision support ─────────────────────────────────

  function buildFeieFtcCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const choice = getCoord().feie_or_ftc_choice || 'undecided';

    const card = el('div', { class: 'tb-card', 'data-track': 'tax' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🤔 ' + t('tax.section.feie_vs_ftc')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('tax.feie_vs_ftc.intro')));

    // Side-by-side comparison
    const grid = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(280px, 1fr))', gap: 'var(--tb-sp-3)', marginTop: 'var(--tb-sp-3)' },
    });
    grid.appendChild(buildElectionTile('feie',
      'Form 2555 (FEIE)',
      'Excludes up to ~$126,500/yr (2024) of foreign earned income from US tax.',
      [
        '✓ Simpler on paper',
        '✓ Drops you to lower brackets / phaseouts',
        '✗ Wastes JP tax credits — once excluded, can\'t use those wages for FTC',
        '✗ Caps at ~$126K — high earners leave money on the table',
        '✗ Doesn\'t cover SE tax, dividends, capital gains',
        '⚠ Revoking requires IRS permission for 5 years',
      ], choice));
    grid.appendChild(buildElectionTile('ftc',
      'Form 1116 (FTC)',
      'Credits Japanese income + resident tax against US tax dollar-for-dollar.',
      [
        '✓ Unlimited credit (JP rates ≥ US for most income)',
        '✓ Generates excess credit you can carry back 1y / forward 10y',
        '✓ Covers passive, capital gains, all income types',
        '✓ Easy to switch between years',
        '✗ More paperwork (per income category)',
        '✗ Doesn\'t reduce SE tax (totalization treaty handles that)',
      ], choice));
    card.appendChild(grid);

    // Choice picker
    const picker = el('div', {
      style: {
        marginTop: 'var(--tb-sp-3)',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)',
        display: 'flex', alignItems: 'center', justifyContent: 'space-between',
        gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
      },
    });
    picker.appendChild(el('div', null,
      el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' } },
        t('tax.feie_vs_ftc.your_choice')),
      el('div', { style: { fontWeight: '600' } }, electionLabel(choice)),
    ));
    const sel = el('select', {
      class: 'tb-select',
      style: { maxWidth: '200px' },
      onchange: (e) => { setField('feie_or_ftc_choice', e.target.value); rerender(); },
    },
      ['undecided', 'feie', 'ftc', 'both'].map((c) =>
        el('option', { value: c, selected: choice === c }, electionLabel(c))),
    );
    picker.appendChild(sel);
    card.appendChild(picker);

    card.appendChild(el('div', {
      style: {
        marginTop: 'var(--tb-sp-3)',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        borderLeft: '3px solid var(--tb-track-tax)',
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        fontSize: 'var(--tb-fs-12)',
      },
    }, '💡 ' + t('tax.feie_vs_ftc.rule_of_thumb')));

    return card;
  }

  function buildElectionTile(id, title, desc, bullets, current) {
    const el = TB.utils.el;
    const isCurrent = current === id;
    const tile = el('div', {
      style: {
        padding: 'var(--tb-sp-3)',
        background: 'var(--tb-bg)',
        borderRadius: 'var(--tb-radius-2)',
        border: isCurrent ? '2px solid var(--tb-track-tax)' : '1px solid var(--tb-border)',
      },
    });
    tile.appendChild(el('div', { style: { fontWeight: '700', marginBottom: '4px' } }, title));
    tile.appendChild(el('div', { class: 'tb-field-help', style: { marginBottom: 'var(--tb-sp-2)' } }, desc));
    const ul = el('ul', { style: { paddingLeft: '20px', margin: 0 } });
    bullets.forEach((b) => ul.appendChild(el('li', { style: { fontSize: 'var(--tb-fs-12)', marginBottom: '4px' } }, b)));
    tile.appendChild(ul);
    return tile;
  }

  function electionLabel(c) {
    return ({
      undecided: 'Undecided',
      feie:      'FEIE (Form 2555)',
      ftc:       'FTC (Form 1116)',
      both:      'Both — split election',
    })[c] || c;
  }

  // ─── PFIC warning ─────────────────────────────────────────────────

  function hasPficCallout() {
    const ctx = buildContext();
    return ctx.has_pfic === true;
  }

  function buildPficCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const ctx = buildContext();

    const card = el('div', { class: 'tb-card', 'data-track': 'tax',
      style: { borderLeft: '4px solid var(--tb-error)' } });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '⚠ ' + t('tax.section.pfic')));
    card.appendChild(el('p', null,
      lang === 'ja'
        ? 'Asset 一覧から PFIC 該当の可能性がある投資を検出しました。米国市民・永住権保持者にとって PFIC のデフォルト課税は懲罰的です(超過分配・キャピタルゲインに最高税率+利子課税)。'
        : 'PFIC investments detected in your Assets. For US persons, the default PFIC tax treatment is punitive — excess distributions and gains are taxed at the highest ordinary rate plus an interest charge.'));

    // List detected accounts
    const accountsList = el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-2)',
      },
    });
    accountsList.appendChild(el('div', { style: { fontWeight: '600', marginBottom: '4px' } },
      t('tax.pfic.detected_label')));
    const ul = el('ul', { style: { margin: 0, paddingLeft: '20px' } });
    ctx.pfic_account_names.forEach((n) => ul.appendChild(el('li', null, n)));
    accountsList.appendChild(ul);
    card.appendChild(accountsList);

    // Mitigation options
    const opts = [
      { en: '✗ Default tax treatment — DO NOT do this if you can help it. Excess distribution rule = highest ordinary rate + interest from year of acquisition.',
        jp: '✗ デフォルト課税 — 可能な限り回避を。超過分配ルール = 取得年から最高税率+利子課税。' },
      { en: '✓ QEF election — pass-through ordinary/cap-gain income from the fund. Requires fund to provide PFIC Annual Information Statement (most JP funds don\'t).',
        jp: '✓ QEF 選択 — ファンドからのパススルー課税。PFIC 年次情報明細書の提供が必要(多くの日本ファンドは未対応)。' },
      { en: '✓ Mark-to-market — recognize gains/losses annually as ordinary income. Available for publicly-traded PFICs.',
        jp: '✓ MTM(時価評価)選択 — 毎年実現益として認識。公開取引 PFIC で利用可能。' },
      { en: '🟢 BEST: Sell BEFORE you became a US person, or replace with US-domiciled equivalents (e.g., VTI in a Schwab US account instead of 投資信託).',
        jp: '🟢 ベスト:米国人になる前に売却、または米国籍 ETF/MF(例:Schwab の VTI)に置換。' },
    ];
    const optsList = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-2)' } });
    opts.forEach((o) => optsList.appendChild(el('li', { style: { marginBottom: '6px' } },
      lang === 'ja' ? o.jp : o.en)));
    card.appendChild(optsList);

    card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-3)' } },
      t('tax.pfic.cpa_note')));
    return card;
  }

  // ─── Spouse strategy (only if JP-national spouse) ─────────────────

  function hasJpSpouseCallout() {
    const a = TB.state.get('onboarding.answers') || {};
    const fam = Array.isArray(a.family) ? a.family : [a.family].filter(Boolean);
    return fam.indexOf('jp_spouse') !== -1;
  }

  function buildSpouseCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const card = el('div', { class: 'tb-card', 'data-track': 'tax' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '👫 ' + t('tax.section.spouse')));
    card.appendChild(el('p', null,
      lang === 'ja'
        ? '日本人配偶者がいる場合、米国の申告ステータス(MFJ vs MFS)を選ぶ必要があります。それぞれにトレードオフがあります。'
        : 'With a Japanese-national spouse, you face an MFJ vs MFS election that has significant trade-offs.'));

    const grid = el('div', { style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(280px, 1fr))', gap: 'var(--tb-sp-3)', marginTop: 'var(--tb-sp-2)' } });
    grid.appendChild(buildElectionTile('mfs', 'MFS — Married Filing Separately',
      'Default for couples with non-US spouse. JP spouse stays out of the US tax system.',
      [
        '✓ Simplest — JP spouse needs no ITIN, no US filing',
        '✓ JP spouse\'s income invisible to IRS',
        '✗ Lower brackets, lower deductions',
        '✗ NIIT and many credits phased out at lower MAGI',
        '✗ Roth IRA contribution disallowed at MAGI > $10K',
      ], null));
    grid.appendChild(buildElectionTile('mfj', 'MFJ — Married Filing Jointly',
      'Treat JP spouse as US resident under §6013(g). Spouse needs ITIN.',
      [
        '✓ Full MFJ brackets and standard deduction',
        '✓ Roth IRA for both spouses',
        '✗ JP spouse\'s WORLDWIDE income now reported to IRS',
        '✗ JP spouse\'s JP investments become PFICs',
        '✗ §6013(g) election binding until revoked + 5y bar',
        '⚠ Often a trap — analyze carefully before electing',
      ], null));
    card.appendChild(grid);

    card.appendChild(el('div', {
      style: {
        marginTop: 'var(--tb-sp-3)',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        borderLeft: '3px solid var(--tb-warn)',
        background: 'rgba(185, 122, 26, 0.06)',
        borderRadius: 'var(--tb-radius-1)',
        fontSize: 'var(--tb-fs-12)',
      },
    }, '⚠ ' + t('tax.spouse.warning')));
    return card;
  }

  // ─── Document collection checklist ────────────────────────────────

  function buildDocChecklistCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const ctx = buildContext();

    // Aggregate all docs needed across applicable forms. Track for each
    // form whether it's spouse-handled — if so, its docs go to the
    // spouse pile rather than the user's own list. Forms that BOTH user
    // and spouse contribute docs to (rare) bias toward "user" — those
    // are primarily the user's responsibility to gather.
    const needed = new Map();          // user's own docs
    const spouseNeeded = new Map();    // docs the spouse's filings need
    FORMS.forEach((form) => {
      const result = form.applies(ctx);
      if (!result) return;
      if (result.informational && !result.spouseHandles) return;
      const target = result.spouseHandles ? spouseNeeded : needed;
      (form.docs_needed || []).forEach((docId) => {
        if (!target.has(docId)) target.set(docId, []);
        target.get(docId).push(form.id);
      });
    });

    const card = el('div', { class: 'tb-card', 'data-track': 'tax' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📂 ' + t('tax.section.docs')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('tax.docs.intro')));

    if (needed.size === 0 && spouseNeeded.size === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('tax.docs.empty')));
      return card;
    }

    const vault = TB.state.get('documentVault.items') || [];

    function renderDocRow(docId, forForms, target) {
      const meta = DOC_CATALOG[docId];
      if (!meta) return;
      const inVault = meta.vault_type
        ? vault.some((v) => v.type === meta.vault_type)
        : false;
      const row = el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid ' + (inVault ? 'var(--tb-success)' : 'var(--tb-border)'),
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)', gap: 'var(--tb-sp-3)',
        },
      });
      row.appendChild(el('div', null,
        el('div', null,
          el('span', { style: { marginRight: '6px', color: inVault ? 'var(--tb-success)' : 'var(--tb-text-soft)' } },
            inVault ? '✓' : '○'),
          lang === 'ja' ? meta.jp : meta.en),
        el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
          (lang === 'ja' ? '使用フォーム:' : 'Used by: ') + forForms.join(', ')),
      ));
      if (meta.vault_type) {
        row.appendChild(el('a', {
          href: '#',
          style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)', whiteSpace: 'nowrap' },
          onclick: (e) => {
            e.preventDefault();
            document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'document-vault' } }));
          },
        }, inVault ? (lang === 'ja' ? 'Vault で表示 →' : 'View in Vault →')
                   : (lang === 'ja' ? 'Vault に追加 →' : 'Add to Vault →')));
      }
      target.appendChild(row);
    }

    // User's own pile
    if (needed.size > 0) {
      needed.forEach((forForms, docId) => renderDocRow(docId, forForms, card));
    }

    // Spouse pile — collapsed by default; same persistence pattern
    // as the calendar + assessment cards above. Header line replaces
    // the always-visible block so the user only sees this pile when
    // they opt in.
    if (spouseNeeded.size > 0) {
      const prefKey = 'tax_coordinator.docs_spouse_expanded';
      const initiallyOpen = !!TB.state.get(prefKey);
      const details = el('details', {
        style: {
          marginTop: 'var(--tb-sp-4)',
          paddingTop: 'var(--tb-sp-3)',
          borderTop: '1px dashed var(--tb-border)',
        },
        ontoggle: (e) => { TB.state.set(prefKey, !!e.target.open); },
      });
      if (initiallyOpen) details.open = true;
      const summary = el('summary', {
        style: {
          cursor: 'pointer',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)',
          borderLeft: '3px solid var(--tb-text-soft)',
          fontSize: 'var(--tb-fs-12)',
          color: 'var(--tb-text-soft)',
          fontWeight: '600',
          letterSpacing: '0.02em',
          listStyle: 'none',
        },
      });
      const chevron = el('span', {
        style: { display: 'inline-block', marginRight: '6px', fontFamily: 'var(--tb-font-mono)' },
      }, initiallyOpen ? '▼' : '▶');
      summary.appendChild(chevron);
      summary.appendChild(el('span', null,
        '👥 ' + t('tax.docs.spouseGroup.summary', { n: spouseNeeded.size })));
      details.addEventListener('toggle', () => {
        chevron.textContent = details.open ? '▼' : '▶';
      });
      details.appendChild(summary);

      const inner = el('div', { style: { marginTop: 'var(--tb-sp-2)' } });
      // Keep the existing intro paragraph inside the expanded section
      // so the context isn't lost when the user opens it.
      inner.appendChild(el('p', { class: 'tb-card-meta', style: { margin: '0 0 var(--tb-sp-2)' } },
        t('tax.docs.spouseIntro')));
      spouseNeeded.forEach((forForms, docId) => renderDocRow(docId, forForms, inner));
      details.appendChild(inner);
      card.appendChild(details);
    }

    return card;
  }

  // ─── Preparer card ────────────────────────────────────────────────

  function buildPreparerCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const p = getCoord().preparer || {};

    const card = el('div', { class: 'tb-card', 'data-track': 'tax' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🤝 ' + t('tax.section.preparer')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openPreparerModal() }, '✎ ' + t('tax.edit')),
    ));

    if (!p.name) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('tax.preparer.empty')));
      return card;
    }

    const dl = el('dl', { class: 'tb-dl' });
    function row(label, val) {
      dl.appendChild(el('dt', null, label));
      dl.appendChild(el('dd', null, val || '—'));
    }
    row(t('tax.preparer.name'), p.name);
    if (p.contact) row(t('tax.preparer.contact'), p.contact);
    if (p.next_appointment) row(t('tax.preparer.next_appointment'), p.next_appointment);
    if (p.notes) row(t('tax.preparer.notes'), p.notes);
    card.appendChild(dl);
    return card;
  }

  function openPreparerModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({}, getCoord().preparer || {});
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('tax.modal.preparer')));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    modal.appendChild(field(t('tax.preparer.name'),
      el('input', { type: 'text', class: 'tb-input',
        value: draft.name || '',
        placeholder: 'e.g. Yamada Tax Office, John CPA',
        oninput: (e) => { draft.name = e.target.value; } })));
    modal.appendChild(field(t('tax.preparer.contact'),
      el('input', { type: 'text', class: 'tb-input',
        value: draft.contact || '',
        placeholder: 'Email, phone, LINE',
        oninput: (e) => { draft.contact = e.target.value; } })));
    modal.appendChild(field(t('tax.preparer.next_appointment'),
      el('input', { type: 'date', class: 'tb-input',
        value: draft.next_appointment || '',
        oninput: (e) => { draft.next_appointment = e.target.value || null; } })));
    modal.appendChild(field(t('tax.preparer.notes'),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.notes = e.target.value; } }, draft.notes || '')));

    const btnRow = el('div', {
      style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' },
    });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('tax.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('preparer', draft); close(); rerender(); } }, t('tax.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Manual overrides card ────────────────────────────────────────

  function buildOverridesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const ov = getOverrides();

    const card = el('div', { class: 'tb-card', 'data-track': 'tax' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '⚙ ' + t('tax.section.overrides')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('tax.overrides.intro')));

    function triState(field, label, help) {
      const cur = ov[field];
      const sel = el('select', {
        class: 'tb-select',
        style: { maxWidth: '160px' },
        onchange: (e) => {
          const v = e.target.value;
          const newOv = Object.assign({}, getOverrides());
          newOv[field] = v === 'auto' ? null : (v === 'yes');
          setSection('manual_overrides', newOv);
          rerender();
        },
      },
        el('option', { value: 'auto', selected: cur == null }, t('tax.overrides.auto')),
        el('option', { value: 'yes',  selected: cur === true }, t('tax.overrides.yes')),
        el('option', { value: 'no',   selected: cur === false }, t('tax.overrides.no')),
      );
      const row = el('div', {
        style: {
          display: 'flex', alignItems: 'center', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)', gap: 'var(--tb-sp-3)',
        },
      });
      row.appendChild(el('div', null,
        el('div', { style: { fontWeight: '500' } }, label),
        help ? el('div', { class: 'tb-field-help', style: { marginTop: '2px' } }, help) : null,
      ));
      row.appendChild(sel);
      return row;
    }

    card.appendChild(triState('has_pfic',
      t('tax.overrides.pfic'),
      t('tax.overrides.pfic.help')));
    card.appendChild(triState('has_foreign_corp',
      t('tax.overrides.foreign_corp'),
      t('tax.overrides.foreign_corp.help')));
    card.appendChild(triState('self_employed',
      t('tax.overrides.self_employed'),
      t('tax.overrides.self_employed.help')));
    card.appendChild(triState('paid_jp_tax_prior_year',
      t('tax.overrides.paid_jp_tax'),
      t('tax.overrides.paid_jp_tax.help')));
    return card;
  }

  // ─── CPA Briefing generator ──────────────────────────────────────
  //
  // One-click pre-meeting prep doc summarizing the user's situation,
  // applicable forms, open questions, and recent decisions. Downloads
  // as Markdown by default; can also seed an Ask Taigan conversation
  // for refinement before sending to the CPA.
  //
  // Privacy: built from the user's local state. No account numbers,
  // no SSNs. Includes institution names, balances, filing status —
  // i.e. the same level of detail a CPA would see at intake.

  function buildCpaBriefingCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const card = el('div', { class: 'tb-card', 'data-track': 'tax' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📝 ' + t('tax.cpa.title')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('tax.cpa.intro')));

    // Privacy callout — explicit about what's in the doc.
    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)', borderLeft: '3px solid var(--tb-track-tax)',
        borderRadius: 'var(--tb-radius-1)', marginBottom: 'var(--tb-sp-3)',
        fontSize: 'var(--tb-fs-12)',
      },
    },
      el('strong', null, '🔒 ' + t('tax.cpa.privacy.title')),
      ' ' + t('tax.cpa.privacy.body')));

    const status = el('div', { class: 'tb-card-meta', style: { minHeight: '1.4em', marginTop: 'var(--tb-sp-2)' } });

    const btnRow = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)', flexWrap: 'wrap' } });
    btnRow.appendChild(el('button', {
      class: 'tb-btn',
      type: 'button',
      onclick: () => {
        try {
          const md = buildCpaBriefingMarkdown();
          const fname = 'taigan-cpa-briefing-' + new Date().toISOString().slice(0, 10) + '.md';
          TB.utils.downloadFile(fname, md, 'text/markdown');
          status.textContent = '✓ ' + t('tax.cpa.downloaded');
          status.style.color = 'var(--tb-success)';
        } catch (err) {
          status.textContent = '✗ ' + (err.message || err);
          status.style.color = 'var(--tb-error)';
        }
      },
    }, '⤓ ' + t('tax.cpa.download')));
    // "Open in Ask Taigan" — seeds a conversation with the briefing as
    // context so user can chat with Claude to refine before sending.
    if (TB.askTaigan && typeof TB.askTaigan.openWithContext === 'function') {
      const allowAsk = (TB.ai && typeof TB.ai.isFeatureAllowed === 'function')
        ? TB.ai.isFeatureAllowed('ask_taigan') : true;
      if (allowAsk !== false) {
        btnRow.appendChild(el('button', {
          class: 'tb-btn tb-btn--secondary',
          type: 'button',
          onclick: () => {
            const md = buildCpaBriefingMarkdown();
            const seedEn = 'Here is a draft pre-meeting briefing for my CPA. Help me refine it — ' +
              'spot anything I missed, flag questions I should add, and tighten the language.\n\n' + md;
            const seedJp = '以下は CPA との打合せ前の準備資料の下書きです。改善のお手伝いをお願いします — ' +
              '抜けている事項の指摘、追加すべき質問の提案、表現の整え方など。\n\n' + md;
            TB.askTaigan.openWithContext({
              feature: 'ask_taigan',
              label_en: 'CPA briefing draft',
              label_jp: 'CPA 打合せ資料(下書き)',
              prompt_en: seedEn,
              prompt_jp: seedJp,
            });
          },
        }, '💬 ' + t('tax.cpa.refineWithAi')));
      }
    }
    card.appendChild(btnRow);
    card.appendChild(status);
    return card;
  }

  // Generates the Markdown body of the CPA briefing. Pure function; no
  // DOM. Returns a string suitable for download or AI-context seeding.
  function buildCpaBriefingMarkdown() {
    const profile = TB.state.get('profile') || {};
    const onboarding = TB.state.get('onboarding') || {};
    const a = onboarding.answers || {};
    const today = new Date().toISOString().slice(0, 10);
    const ctx = buildContext();
    const lines = [];

    lines.push('# CPA / 税理士 Pre-Meeting Briefing');
    lines.push('_Generated by Taigan Bridge on ' + today + '. Read-only snapshot for advisor review._');
    lines.push('');
    lines.push('## Client');
    lines.push('- **Name**: ' + (profile.displayName || '(not set)'));
    if (profile.displayNameJa) lines.push('- **JP name**: ' + profile.displayNameJa);
    lines.push('- **Citizenship**: ' + (a.citizenship || '(not specified)'));
    lines.push('- **Currently in Japan**: ' + (a.in_japan || '(not specified)'));
    lines.push('- **Years in Japan**: ' + (a.years_in_japan || '(not specified)'));
    lines.push('- **Visa / status**: ' + (a.visa || '(not specified)'));
    lines.push('- **Employment**: ' + (a.employment || '(not specified)'));
    lines.push('- **JP tax status**: ' + (a.tax_status || '(not specified)'));
    if (a.tax_status === 'sofa_no_file') {
      lines.push('  - _Note: SOFA Article 14 ¶7 exempts US-Forces-source income from JP income tax;_');
      lines.push('  - _Article 9 ¶2 exempts from 住民票 registration._');
      if (a.non_sofa_jp_income === 'yes') {
        lines.push('  - _**Important**: client has non-SOFA JP-source income — 確定申告 may apply for that subset._');
      }
    }
    lines.push('- **住民票 registered**: ' + (a.juminhyo || '(not specified)'));
    lines.push('- **Filing status**: ' + (ctx.filing_status_label || '(not set)'));
    const fam = Array.isArray(a.family) ? a.family : [a.family].filter(Boolean);
    if (fam.length > 0) lines.push('- **Family**: ' + fam.join(', '));
    const coord = TB.state.get('tax_coordinator') || {};
    if (coord.jp_filing_responsibility && coord.jp_filing_responsibility !== 'auto') {
      lines.push('- **JP-side filing responsibility**: ' + coord.jp_filing_responsibility);
    }
    lines.push('');

    lines.push('## Applicable Forms (auto-detected from data)');
    for (const form of FORMS) {
      const result = form.applies(ctx);
      if (!result) continue;
      if (result.informational && !result.spouseHandles) continue;
      const tag = result.spouseHandles ? '[SPOUSE HANDLES]' :
                  result.urgency === 'high' ? '[HIGH]' :
                  result.approaching ? '[APPROACHING]' : '';
      lines.push('- **' + form.id.toUpperCase() + '** — ' + form.name_en + ' ' + tag);
      lines.push('  - _Reason_: ' + (result.reason_en || ''));
    }
    lines.push('');

    lines.push('## Foreign Asset Aggregate');
    lines.push('- **Total foreign financial assets (year-end estimate)**: $' + Math.round(ctx.foreign_assets_usd).toLocaleString());
    lines.push('- **FBAR aggregate (peak proxy)**: $' + Math.round(ctx.fbar_aggregate_usd).toLocaleString());
    const t8938 = thresholds_8938(ctx.filing_status, ctx.is_jp_resident);
    lines.push('- **8938 threshold (' + (ctx.is_jp_resident ? 'abroad' : 'domestic') + ', ' + ctx.filing_status + ')**: $' + t8938.year_end.toLocaleString() + ' year-end / $' + t8938.any_time.toLocaleString() + ' any-time');
    if (ctx.has_pfic) {
      lines.push('- **PFIC accounts detected**: ' + ctx.pfic_account_names.join(', '));
      lines.push('  - _Form 8621 required for each PFIC each year held._');
    }
    if (ctx.has_foreign_corp) lines.push('- **Foreign corp owned (≥10%)**: yes — Form 5471 required.');
    lines.push('');

    // Asset summary
    if (TB.assets && typeof TB.assets.getActiveAccounts === 'function') {
      const accts = TB.assets.getActiveAccounts();
      if (accts.length > 0) {
        lines.push('## Asset Snapshot');
        lines.push('| Institution | Country | Wrapper | Currency | Balance (native) | Balance (USD) |');
        lines.push('|---|---|---|---|---:|---:|');
        for (const acct of accts) {
          const usd = TB.assets.toUsd(acct.balance_native, acct.currency);
          lines.push('| ' + (acct.institution || '?') + ' | ' + (acct.country || '?') +
            ' | ' + (acct.tax_wrapper || '?') + ' | ' + (acct.currency || '?') +
            ' | ' + (acct.balance_native != null ? Math.round(acct.balance_native).toLocaleString() : '—') +
            ' | $' + (usd != null ? Math.round(usd).toLocaleString() : '—') + ' |');
        }
        lines.push('');
        // Unrealized gain summary (uses helper from Assets module)
        if (typeof TB.assets.unrealizedGainSummary === 'function') {
          const sum = TB.assets.unrealizedGainSummary();
          if (sum.coverage_count > 0) {
            lines.push('**Unrealized gain across accounts with basis tracked** (' + sum.coverage_count + '/' + sum.coverage_total + ' accounts, ' + sum.coverage_pct.toFixed(0) + '% of portfolio value):');
            lines.push('- Cost basis: $' + Math.round(sum.total_basis_usd).toLocaleString());
            lines.push('- Current value: $' + Math.round(sum.total_value_usd).toLocaleString());
            lines.push('- Unrealized gain: ' + (sum.gain_usd >= 0 ? '+' : '') + '$' + Math.round(sum.gain_usd).toLocaleString() +
              (sum.gain_pct != null ? ' (' + sum.gain_pct.toFixed(1) + '%)' : ''));
            lines.push('');
          }
        }
      }
    }

    // Year-end deadlines
    const deadlines = buildDeadlineCalendar(ctx).filter((d) => d.days_until <= 180 && !d.spouseHandles);
    if (deadlines.length > 0) {
      lines.push('## Upcoming Deadlines (≤ 180 days)');
      for (const d of deadlines) {
        lines.push('- **' + d.date.toISOString().slice(0, 10) + '** (' + d.days_until + 'd) — ' + d.name_en);
      }
      lines.push('');
    }

    // Open questions / preparer notes
    const preparer = coord.preparer || {};
    lines.push('## Open Questions for the Meeting');
    lines.push('Edit this list before sharing — Taigan can suggest more via "💬 Refine with AI".');
    lines.push('1. [ ] (your question here)');
    lines.push('2. [ ] (your question here)');
    lines.push('3. [ ] (your question here)');
    lines.push('');
    if (preparer.notes) {
      lines.push('## Prior Notes');
      lines.push(preparer.notes);
      lines.push('');
    }
    if (preparer.name) {
      lines.push('## Preparer on File');
      lines.push('- **Name**: ' + preparer.name);
      if (preparer.contact) lines.push('- **Contact**: ' + preparer.contact);
      if (preparer.next_appointment) lines.push('- **Next appointment**: ' + preparer.next_appointment);
      lines.push('');
    }

    lines.push('---');
    lines.push('_Generated by Taigan Bridge — single-file financial planning tool for US persons in Japan. All data lives in the user\'s browser; nothing is uploaded anywhere._');
    return lines.join('\n');
  }

  // ─── Resources card ───────────────────────────────────────────────

  function buildResourcesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'tax' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📚 ' + t('tax.section.resources')));

    function resource(title, desc, url) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-tax)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      },
        el('div', { style: { fontWeight: '600' } }, title),
        el('div', { class: 'tb-field-help', style: { margin: '4px 0' } }, desc),
        url ? el('a', { href: url, target: '_blank', rel: 'noopener noreferrer',
          style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)' } }, url + ' →') : null,
      );
    }
    card.appendChild(resource(t('tax.resources.irs_intl.title'), t('tax.resources.irs_intl.body'),
      'https://www.irs.gov/individuals/international-taxpayers'));
    card.appendChild(resource(t('tax.resources.fbar.title'), t('tax.resources.fbar.body'),
      'https://bsaefiling.fincen.treas.gov/'));
    card.appendChild(resource(t('tax.resources.nta.title'), t('tax.resources.nta.body'),
      'https://www.nta.go.jp/english/'));
    card.appendChild(resource(t('tax.resources.totalization.title'), t('tax.resources.totalization.body'),
      'https://www.ssa.gov/international/Agreement_Pamphlets/japan.html'));
    return card;
  }

  // ====================================================================
  // Action Center generators
  // ====================================================================

  // Surface upcoming deadlines within 60 days. Filters out:
  //   - informational notices (window-open, etc.)
  //   - spouse-handled rows (those are not the user's action items)
  // This honors the JP-filing-responsibility setting transparently
  // because buildDeadlineCalendar already marks JP-personal entries
  // as spouseHandles when the picker says so.
  function genUpcomingDeadlines() {
    const out = [];
    const ctx = buildContext();
    const deadlines = buildDeadlineCalendar(ctx);
    deadlines.forEach((d) => {
      if (d.informational) return;
      if (d.spouseHandles) return;
      if (d.days_until > 60) return;
      if (d.days_until < 0) return;
      const urgency = d.days_until <= 7 ? 'critical'
                    : d.days_until <= 21 ? 'high'
                    : d.days_until <= 45 ? 'medium' : 'low';
      out.push({
        id: 'tax_deadline_' + d.id,
        group: 'tax', urgency,
        icon: '📅',
        title: (d.jurisdiction === 'jp' ? '[JP] ' : '[US] ') + d.name_en + ' — ' + d.days_until + 'd',
        body: 'Filing deadline: ' + d.date.toISOString().slice(0, 10) +
              '. Open Tax Coordinator for the per-form checklist + document list.',
        deadline: d.date.toISOString().slice(0, 10),
        module: 'tax-coordinator', snoozable: d.days_until > 7,
      });
    });
    return out;
  }

  // PFIC alert — fires once when detected. User can dismiss.
  function genPficAlert() {
    const ctx = buildContext();
    if (ctx.has_pfic !== true) return [];
    return [{
      id: 'tax_pfic_detected',
      group: 'tax', urgency: 'high', icon: '⚠',
      title: 'PFIC investments detected — Form 8621 required',
      body: 'Detected likely PFIC: ' + ctx.pfic_account_names.join(', ') +
            '. Default tax treatment is punitive; consider QEF / mark-to-market election or replacement with US-domiciled equivalents. CPA strongly recommended.',
      module: 'tax-coordinator', snoozable: true,
    }];
  }

  // 8938 threshold warning — fires when foreign assets cross 75% of
  // the year-end threshold but haven't yet exceeded it.
  function gen8938Approaching() {
    const ctx = buildContext();
    const t = thresholds_8938(ctx.filing_status, ctx.is_jp_resident);
    if (ctx.foreign_assets_usd >= t.year_end) return [];  // already required, deadline gen handles
    if (ctx.foreign_assets_usd < t.year_end * 0.75) return [];
    const headroom = t.year_end - ctx.foreign_assets_usd;
    return [{
      id: 'tax_8938_approaching',
      group: 'tax', urgency: 'medium', icon: '📊',
      title: 'Form 8938 threshold approaching — $' + Math.round(headroom).toLocaleString() + ' headroom',
      body: 'Your foreign financial assets ($' + Math.round(ctx.foreign_assets_usd).toLocaleString() +
            ') are within 25% of the ' + ctx.filing_status_label + ' threshold ($' + t.year_end.toLocaleString() +
            ' year-end). Once exceeded, Form 8938 becomes required.',
      module: 'tax-coordinator', snoozable: true,
    }];
  }

  // Preparer appointment reminder — fires 7d before scheduled date.
  function genPreparerAppointment() {
    const p = getCoord().preparer || {};
    if (!p.next_appointment) return [];
    const today = new Date(); today.setHours(0,0,0,0);
    const dt = new Date(p.next_appointment + 'T00:00:00');
    const days = Math.round((dt - today) / 86400000);
    if (days < 0 || days > 14) return [];
    return [{
      id: 'tax_preparer_appt',
      group: 'tax', urgency: days <= 3 ? 'high' : 'medium',
      icon: '🤝',
      title: 'Tax preparer appointment in ' + days + 'd — ' + (p.name || 'preparer'),
      body: 'Scheduled: ' + p.next_appointment + '. Review the document checklist in Tax Coordinator before your meeting.',
      deadline: p.next_appointment,
      module: 'tax-coordinator', snoozable: false,
    }];
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = { id, label_en: 'Tax Filing Coordinator', label_jp: '税務申告コーディネーター', render, searchSections: SECTIONS };

  window.TB.taxCoord = {
    actionGenerators: [genUpcomingDeadlines, genPficAlert, gen8938Approaching, genPreparerAppointment],
    buildContext,
    buildDeadlineCalendar,
    FORMS,
    DOC_CATALOG,
    thresholds_8938,
  };
})();

</script>
  <script data-source="scripts/modules/estate.js">
/* Taigan Bridge — modules/estate.js
 *
 * Estate / Cross-Border Succession orchestration. The completing piece
 * of the life-cycle trilogy:
 *
 *   Tax Coordinator  →  annual cycle (every year you live)
 *   Family           →  life-stage choices (国籍選択, renunciation, gifts)
 *   Estate           →  death / incapacity (this module)
 *
 * This module computes very little of its own state — it derives nearly
 * everything by reading other modules:
 *
 *   Family.members            →  法定相続人 (statutory heirs) + shares
 *                                per Civil Code §887, §889, §890
 *   Family.gifts_log          →  7-year clawback addition to estate
 *   Family.renunciation       →  §2801 transfer-tax warnings
 *   Assets.accounts           →  situs analysis (JP vs US-taxable scope),
 *                                beneficiary inventory, JP/US estate-tax
 *                                exposure
 *   Document Vault.items      →  will / POA / advance-directive presence
 *                                + expiry tracking
 *   Resident.residency        →  10-year worldwide-asset clock determines
 *                                whether worldwide or JP-situs-only is
 *                                the JP estate base
 *   Veteran.survivor          →  SBP coordination
 *
 * JP 相続税 reference (current law):
 *   - Base deduction: ¥30M + ¥6M × number of statutory heirs
 *   - Bracket schedule (per heir's statutory share):
 *       ≤¥10M     10%       ¥10M-30M     15% (-¥0.5M)
 *       ¥30M-50M  20% (-¥2M) ¥50M-100M   30% (-¥7M)
 *       ¥100M-200M 40% (-¥17M) ¥200M-300M 45% (-¥27M)
 *       ¥300M-600M 50% (-¥42M) >¥600M    55% (-¥72M)
 *   - 配偶者控除: spouse pays no tax up to greater of ¥160M
 *     OR spouse's legal share of taxable estate
 *   - 小規模宅地等の特例: -80% on residential land up to 330㎡
 *     (when heir continues to live there)
 *   - 養子 cap (for statutory-heir count purposes):
 *     - 1 if decedent has biological children
 *     - 2 if no biological children
 *
 * Civil Code §887, §889, §890 priority order:
 *   1. Spouse (配偶者) — always inherits if alive
 *   2. Descendants (第1順位) — children, then grandchildren via 代襲相続
 *   3. Ascendants (第2順位) — parents, then grandparents (only if no descendants)
 *   4. Siblings (第3順位) — only if no descendants AND no ascendants
 *
 * Spouse + children:    spouse 1/2, children 1/2 split equally
 * Spouse + parents:     spouse 2/3, parents  1/3 split equally
 * Spouse + siblings:    spouse 3/4, siblings 1/4 split equally
 * No spouse:            entire estate to highest-priority class, split equally
 */

(function () {
  'use strict';

  const id = 'estate';

  // ====================================================================
  // Reference data
  // ====================================================================

  // JP inheritance tax brackets — applied per-heir on their statutory
  // share. Each entry: { upper_jpy, rate, deduction_jpy }.
  // Tax = share × rate − deduction.
  const JP_BRACKETS = [
    { upper:    10_000_000, rate: 0.10, ded:           0 },
    { upper:    30_000_000, rate: 0.15, ded:     500_000 },
    { upper:    50_000_000, rate: 0.20, ded:   2_000_000 },
    { upper:   100_000_000, rate: 0.30, ded:   7_000_000 },
    { upper:   200_000_000, rate: 0.40, ded:  17_000_000 },
    { upper:   300_000_000, rate: 0.45, ded:  27_000_000 },
    { upper:   600_000_000, rate: 0.50, ded:  42_000_000 },
    { upper:   Infinity,    rate: 0.55, ded:  72_000_000 },
  ];

  // Constants used throughout the module.
  const BASE_DEDUCTION_FIXED = 30_000_000;       // ¥30M fixed
  const BASE_DEDUCTION_PER_HEIR = 6_000_000;     // ¥6M per statutory heir
  const SPOUSE_DEDUCTION_MIN = 160_000_000;      // ¥160M floor
  const SHOTAKU_LAND_REDUCTION_PCT = 0.80;       // 小規模宅地等の特例 80%
  const SHOTAKU_AREA_LIMIT_M2 = 330;             // up to 330㎡

  // 7-year clawback effective date (2024 reform). Pre-2024 gifts
  // remain on 3-year clawback. We use this to filter Family.gifts_log
  // when computing addition-back to estate.
  const CLAWBACK_YEARS = 7;

  // US estate tax (informational — most US persons abroad never reach it).
  //   - 2025 unified credit equivalent: $13.99M
  //   - 2026 sunset to ~$7M (TCJA expiration) UNLESS extended
  //   - US-Japan estate tax treaty allows pro-rata deduction; less
  //     useful than treaty's gift-tax provisions.
  const US_ESTATE_EXEMPTION_2025 = 13_990_000;

  // ====================================================================
  // State accessors
  // ====================================================================

  function getEstate()        { return TB.state.get('estate') || {}; }
  function getStatus()        { return getEstate().status || {}; }
  function getBenOverrides()  { return (getEstate().beneficiaries || {}).overrides || {}; }
  function getLoI()           { return getEstate().letter_of_instruction || {}; }
  function getJpAssumptions() { return getEstate().jp_inheritance_assumptions || {}; }

  function setStatus(value) {
    const e = getEstate();
    e.status = value;
    TB.state.set('estate', e);
  }
  function setBenOverride(account_id, value) {
    const e = getEstate();
    e.beneficiaries = e.beneficiaries || { overrides: {} };
    e.beneficiaries.overrides = e.beneficiaries.overrides || {};
    if (value == null) delete e.beneficiaries.overrides[account_id];
    else e.beneficiaries.overrides[account_id] = value;
    TB.state.set('estate', e);
  }
  function setLoI(value) {
    const e = getEstate();
    e.letter_of_instruction = value;
    TB.state.set('estate', e);
  }
  function setJpAssumptions(value) {
    const e = getEstate();
    e.jp_inheritance_assumptions = value;
    TB.state.set('estate', e);
  }

  // ====================================================================
  // Helpers shared with other modules
  // ====================================================================

  function fxRate() {
    if (TB.assets && typeof TB.assets.toUsd === 'function') {
      // Convert 1 JPY → USD via Assets' rate
      const oneUsd = 1 / TB.assets.toUsd(1, 'JPY');
      return oneUsd; // returns USD-per-JPY. Used as multiplier.
    }
    return 1 / 150;  // sensible default
  }
  function jpyToUsd(jpy) {
    if (TB.assets && typeof TB.assets.toUsd === 'function') {
      return TB.assets.toUsd(jpy || 0, 'JPY');
    }
    return (jpy || 0) / 150;
  }
  function usdToJpy(usd) {
    if (TB.assets && typeof TB.assets.toUsd === 'function') {
      const oneUsdInJpy = 1 / (TB.assets.toUsd(1, 'JPY'));
      return (usd || 0) * oneUsdInJpy;
    }
    return (usd || 0) * 150;
  }

  function ageInYears(birth_date) {
    if (!birth_date) return null;
    const b = new Date(birth_date + 'T00:00:00');
    if (isNaN(b.getTime())) return null;
    const now = new Date();
    let age = now.getFullYear() - b.getFullYear();
    const md = now.getMonth() - b.getMonth();
    if (md < 0 || (md === 0 && now.getDate() < b.getDate())) age--;
    return age;
  }

  // ====================================================================
  // 法定相続人 derivation (from Family roster)
  // ====================================================================

  // Derives the statutory heirs and per-heir shares per Civil Code
  // §887, §889, §890. Returns:
  //   { spouse: { member, share }, primary: [...], rank: 1|2|3|null,
  //     all_heirs: [{ member, share, role }], heir_count_for_tax }
  //
  // heir_count_for_tax includes 養子 caps for the inheritance-tax
  // base-deduction computation.
  function deriveStatutoryHeirs() {
    const members = (TB.family && typeof TB.family.getMembers === 'function')
      ? TB.family.getMembers() : (TB.state.get('family.members') || []);
    const out = {
      spouse: null,
      primary: [],          // descendants (第1順位)
      ascendants: [],       // parents (第2順位)
      siblings: [],         // siblings (第3順位)
      rank: null,           // 1, 2, or 3 — which class joined the spouse
      all_heirs: [],        // flat list with computed shares
      heir_count_for_tax: 0,
      no_heirs: false,
    };

    const spouse = members.find((m) => m.relationship === 'spouse');
    const children = members.filter((m) => m.relationship === 'child');
    const parents = members.filter((m) => m.relationship === 'parent');
    const siblings = members.filter((m) => m.relationship === 'sibling');

    if (spouse) out.spouse = { member: spouse, share: 0 };

    let rank;
    let classMembers;
    if (children.length > 0) { rank = 1; classMembers = children; out.primary = children; }
    else if (parents.length > 0) { rank = 2; classMembers = parents; out.ascendants = parents; }
    else if (siblings.length > 0) { rank = 3; classMembers = siblings; out.siblings = siblings; }
    else { rank = null; classMembers = []; }

    out.rank = rank;

    // Compute shares per Civil Code §900.
    if (spouse && classMembers.length > 0) {
      let spouseShare;
      let classTotal;
      if (rank === 1)      { spouseShare = 1/2; classTotal = 1/2; }
      else if (rank === 2) { spouseShare = 2/3; classTotal = 1/3; }
      else                 { spouseShare = 3/4; classTotal = 1/4; }
      out.spouse.share = spouseShare;
      const perPerson = classTotal / classMembers.length;
      classMembers.forEach((m) => {
        const role = rank === 1 ? 'child' : rank === 2 ? 'parent' : 'sibling';
        out.all_heirs.push({ member: m, share: perPerson, role });
      });
      out.all_heirs.unshift({ member: spouse, share: spouseShare, role: 'spouse' });
    } else if (spouse) {
      out.spouse.share = 1;
      out.all_heirs.push({ member: spouse, share: 1, role: 'spouse' });
    } else if (classMembers.length > 0) {
      const perPerson = 1 / classMembers.length;
      const role = rank === 1 ? 'child' : rank === 2 ? 'parent' : 'sibling';
      classMembers.forEach((m) => {
        out.all_heirs.push({ member: m, share: perPerson, role });
      });
    } else {
      out.no_heirs = true;
    }

    // Tax-purposes heir count: actual heirs, with 養子 caps.
    // Family roster doesn't currently distinguish biological vs adopted;
    // treating all child entries as biological for now. User can adjust
    // via the inheritance assumptions modal. (Future: add adoption flag
    // to Family member schema.)
    out.heir_count_for_tax = out.all_heirs.length || 1;

    return out;
  }

  // ====================================================================
  // Asset situs analysis (cross-references Assets + Resident 10y clock)
  // ====================================================================

  // Determines JP-taxable scope based on 永住者 status (year 6+ of JP
  // tax residency = worldwide assets in scope; pre-永住者 = JP-situs only).
  // Returns { is_pr_for_tax, years_in_japan, jp_situs_jpy, us_situs_jpy,
  //   total_jpy, jp_taxable_estate_jpy, by_account }
  function deriveAssetSitusBase() {
    const accounts = (TB.assets && typeof TB.assets.getActiveAccounts === 'function')
      ? TB.assets.getActiveAccounts() : [];
    const yearsInJp = (TB.resident && typeof TB.resident.yearsInJapan === 'function')
      ? TB.resident.yearsInJapan() : null;
    // 永住者 (tax-permanent) status = year 6+ in Japan
    const is_pr_for_tax = yearsInJp != null && yearsInJp >= 6;

    let jp_situs_jpy = 0;
    let us_situs_jpy = 0;
    const by_account = [];
    accounts.forEach((a) => {
      const jpy = usdToJpy(TB.assets.toUsd(a.balance_native, a.currency));
      const isJp = a.country === 'JP';
      if (isJp) jp_situs_jpy += jpy;
      else us_situs_jpy += jpy;
      by_account.push({
        account: a, jpy,
        situs: isJp ? 'JP' : 'US',
        jp_taxable: isJp || is_pr_for_tax,
      });
    });

    // Add user-overridden "other assets not in our system" estimates.
    const ja = getJpAssumptions();
    if (ja.estimated_other_jp_assets_jpy) jp_situs_jpy += ja.estimated_other_jp_assets_jpy;
    if (ja.estimated_other_us_assets_usd) {
      us_situs_jpy += usdToJpy(ja.estimated_other_us_assets_usd);
    }

    const total_jpy = jp_situs_jpy + us_situs_jpy;
    const jp_taxable_estate_jpy = is_pr_for_tax ? total_jpy : jp_situs_jpy;

    // 7-year clawback addition: gifts to statutory heirs in last 7y.
    const giftsLog = (TB.state.get('family.gifts_log') || []);
    const heirs = deriveStatutoryHeirs();
    const heirIds = new Set(heirs.all_heirs.map((h) => h.member.id));
    const cutoff_year = new Date().getFullYear() - CLAWBACK_YEARS;
    let clawback_jpy = 0;
    giftsLog.forEach((g) => {
      if (g.year < cutoff_year) return;
      if (g.vehicle !== '暦年贈与') return;  // lump-sum vehicles excluded
      if (!heirIds.has(g.recipient_id)) return;
      clawback_jpy += g.amount_jpy || 0;
    });

    return {
      is_pr_for_tax, years_in_japan: yearsInJp,
      jp_situs_jpy, us_situs_jpy, total_jpy,
      jp_taxable_estate_jpy: jp_taxable_estate_jpy + clawback_jpy,
      clawback_jpy,
      by_account,
    };
  }

  // ====================================================================
  // JP 相続税 calculation
  // ====================================================================

  // Tax owed by an heir on a given share amount, using the bracket table.
  function bracketTax(jpy) {
    if (jpy <= 0) return 0;
    for (const b of JP_BRACKETS) {
      if (jpy <= b.upper) return jpy * b.rate - b.ded;
    }
    return 0;
  }

  // Full estate-tax computation per the Japanese 法定相続分課税方式:
  //   1. Taxable estate = gross − base deduction
  //   2. Allocate by statutory share to each heir
  //   3. Apply bracket tax to each heir's allocated amount
  //   4. Sum → total estate tax
  //   5. Apportion back to actual recipients (we use statutory shares
  //      since we don't model wills here)
  //   6. 配偶者控除: subtract spouse's portion entirely (capped at
  //      greater of ¥160M or spouse's legal share)
  //   7. Apply 小規模宅地等の特例 to residential land (if eligible)
  //
  // Returns { gross_jpy, base_deduction, taxable_estate, total_tax,
  //   spouse_credit, net_tax, per_heir: [...] }
  function computeJpInheritanceTax() {
    const heirs = deriveStatutoryHeirs();
    const situs = deriveAssetSitusBase();
    const ja = getJpAssumptions();

    let gross = situs.jp_taxable_estate_jpy;

    // 小規模宅地等の特例 (rough): if user flags JP residential
    // real-estate residence, reduce the JP-situs portion by 80%
    // up to a cap. We don't have land-area data, so we assume the
    // entire residential value qualifies; that's an overstatement
    // but OK for a planning estimate.
    let shotaku_reduction = 0;
    if (ja.has_jp_real_estate_residence) {
      // Estimate the residential portion as half of JP-situs (rough).
      const residential = (situs.jp_situs_jpy + (ja.estimated_other_jp_assets_jpy || 0)) * 0.5;
      shotaku_reduction = residential * SHOTAKU_LAND_REDUCTION_PCT;
      gross -= shotaku_reduction;
    }
    if (gross < 0) gross = 0;

    const base_deduction = BASE_DEDUCTION_FIXED +
      BASE_DEDUCTION_PER_HEIR * (heirs.heir_count_for_tax || 1);

    const taxable_estate = Math.max(0, gross - base_deduction);

    // No taxable estate → no tax. Return early but include heirs view.
    if (taxable_estate === 0 || heirs.all_heirs.length === 0) {
      return {
        gross_jpy: gross, base_deduction, taxable_estate,
        shotaku_reduction, total_tax: 0, spouse_credit: 0, net_tax: 0,
        per_heir: heirs.all_heirs.map((h) => ({
          ...h, allocated: 0, tax: 0, after_credit: 0,
        })),
        clawback_jpy: situs.clawback_jpy,
        is_pr_for_tax: situs.is_pr_for_tax,
        years_in_japan: situs.years_in_japan,
      };
    }

    // Step 2-4: allocate by statutory share, compute per-heir bracket tax,
    // sum to total.
    const per_heir = heirs.all_heirs.map((h) => {
      const allocated = taxable_estate * h.share;
      const tax = bracketTax(allocated);
      return { ...h, allocated, tax, after_credit: tax };
    });
    const total_tax = per_heir.reduce((s, h) => s + h.tax, 0);

    // 配偶者控除: spouse's tax fully eliminated up to greater of
    // ¥160M legal share OR spouse's share of taxable estate.
    let spouse_credit = 0;
    const spouseEntry = per_heir.find((h) => h.role === 'spouse');
    if (spouseEntry) {
      // Spouse's tax-free amount cap
      const spouseCapAmt = Math.max(SPOUSE_DEDUCTION_MIN, spouseEntry.allocated);
      // Spouse's pro-rata of total tax
      const spouseProRataTax = spouseEntry.tax;
      // The portion of spouse's allocated within the cap is fully tax-free
      const taxFreePortion = Math.min(spouseEntry.allocated, spouseCapAmt);
      const fractionTaxFree = spouseEntry.allocated > 0
        ? taxFreePortion / spouseEntry.allocated : 0;
      spouse_credit = spouseProRataTax * fractionTaxFree;
      spouseEntry.after_credit = spouseProRataTax - spouse_credit;
    }
    const net_tax = total_tax - spouse_credit;

    return {
      gross_jpy: gross, base_deduction, taxable_estate,
      shotaku_reduction, total_tax, spouse_credit, net_tax,
      per_heir,
      clawback_jpy: situs.clawback_jpy,
      is_pr_for_tax: situs.is_pr_for_tax,
      years_in_japan: situs.years_in_japan,
    };
  }

  // ====================================================================
  // Beneficiary review (cross-references Assets)
  // ====================================================================

  // Per-account beneficiary record. Combines the Assets' free-form
  // `beneficiary` string with our richer overrides (primary,
  // contingent, percentage, last_reviewed).
  //
  // Returns array of { account, asset_beneficiary, override, gap_reason,
  //   needs_review }.
  function deriveBeneficiaries() {
    const accounts = (TB.assets && typeof TB.assets.getActiveAccounts === 'function')
      ? TB.assets.getActiveAccounts() : [];
    const overrides = getBenOverrides();
    const out = [];
    accounts.forEach((a) => {
      const ovr = overrides[a.id] || null;
      const has_asset_ben = a.beneficiary && a.beneficiary.trim().length > 0;
      const has_override_primary = ovr && ovr.primary && ovr.primary.trim().length > 0;
      let gap_reason = null;
      if (!has_asset_ben && !has_override_primary) {
        gap_reason = 'no_beneficiary';
      } else if (ovr && ovr.last_reviewed) {
        const days = (new Date() - new Date(ovr.last_reviewed + 'T00:00:00')) / 86400000;
        if (days > 365 * 2) gap_reason = 'stale_review';
      } else if (!ovr || !ovr.last_reviewed) {
        gap_reason = 'never_reviewed';
      }
      out.push({
        account: a,
        asset_beneficiary: a.beneficiary || null,
        override: ovr,
        gap_reason,
        needs_review: !!gap_reason,
      });
    });
    return out;
  }

  // ====================================================================
  // Document Vault cross-reference
  // ====================================================================

  function deriveWillStatus() {
    const items = TB.state.get('documentVault.items') || [];
    const wills = items.filter((i) => i.type === 'will');
    // Heuristic: any will document is "present"; specific JP detection
    // would require a country/jurisdiction field on docs. Fall back
    // to title text matching.
    const has_us = wills.some((w) =>
      /us|american|united states|英文/i.test(w.title || '') ||
      (w.notes || '').match(/US|英文|English/));
    const has_jp = wills.some((w) =>
      /公正証書|jp|japan|japanese|和文/i.test(w.title || '') ||
      (w.notes || '').match(/公正証書|和文|Japanese/));
    const has_any = wills.length > 0;
    return {
      count: wills.length,
      has_any,
      has_us_explicit: has_us,
      has_jp_explicit: has_jp,
      // If at least one will but neither tagged, assume single will
      // covers both jurisdictions (suboptimal but common).
      single_assumed: has_any && !has_us && !has_jp,
      items: wills,
    };
  }

  function deriveOtherEstateDocs() {
    const items = TB.state.get('documentVault.items') || [];
    return {
      poa: items.filter((i) => i.type === 'poa'),
      advance_directive: items.filter((i) => i.type === 'advance_directive'),
      trust: items.filter((i) => i.type === 'trust_doc'),
      ben_designation: items.filter((i) => i.type === 'beneficiary_designation'),
    };
  }

  // ====================================================================
  // Onboarding-aware predicates
  // ====================================================================

  function hasSpouse() {
    const members = (TB.family && typeof TB.family.getMembers === 'function')
      ? TB.family.getMembers() : (TB.state.get('family.members') || []);
    if (members.some((m) => m.relationship === 'spouse')) return true;
    const a = TB.state.get('onboarding.answers') || {};
    const fam = Array.isArray(a.family) ? a.family : [a.family].filter(Boolean);
    return fam.indexOf('us_spouse') !== -1 || fam.indexOf('jp_spouse') !== -1
        || fam.indexOf('third_spouse') !== -1;
  }
  function hasJpExposure() {
    // 永住者 (year 6+) OR JP-situs assets present
    const yrs = (TB.resident && typeof TB.resident.yearsInJapan === 'function')
      ? TB.resident.yearsInJapan() : null;
    if (yrs != null && yrs >= 6) return true;
    const accounts = (TB.assets && typeof TB.assets.getActiveAccounts === 'function')
      ? TB.assets.getActiveAccounts() : [];
    return accounts.some((a) => a.country === 'JP');
  }

  // ====================================================================
  // Section registry
  // ====================================================================

  const SECTIONS = [
    { id: 'header',       always: true, builder: () => buildHeaderCard() },
    { id: 'overview',     always: true, builder: () => buildOverviewCard() },
    {
      id: 'heirs',
      label_en: '法定相続人 calculator',
      label_jp: '法定相続人計算',
      description_en: 'Auto-derives statutory heirs from Family roster (Civil Code §887, §889, §890).',
      description_jp: '家族構成から法定相続人を自動算出(民法 §887, §889, §890)。',
      auto_show: () => true,
      builder: () => buildHeirsCard(),
    },
    {
      id: 'jp_tax',
      label_en: 'JP 相続税 estimate',
      label_jp: '相続税試算',
      description_en: 'Live computation using current brackets, your asset situs, and 配偶者控除.',
      description_jp: '現行税率・資産所在地・配偶者控除を用いたリアルタイム試算。',
      auto_show: hasJpExposure,
      builder: () => buildJpTaxCard(),
    },
    {
      id: 'situs',
      label_en: 'Asset situs analysis',
      label_jp: '資産所在地分析',
      description_en: 'Per-account JP vs US classification; flips to worldwide at 永住者.',
      description_jp: '口座別の日本/米国分類;永住者で全世界に拡大。',
      auto_show: hasJpExposure,
      builder: () => buildSitusCard(),
    },
    {
      id: 'beneficiaries',
      label_en: 'Beneficiary review',
      label_jp: '受取人レビュー',
      description_en: 'Per-account beneficiary tracking with gap detection.',
      description_jp: '口座別受取人追跡とギャップ検出。',
      auto_show: () => true,
      builder: () => buildBeneficiaryCard(),
    },
    {
      id: 'will_tracker',
      label_en: 'Will & legal documents',
      label_jp: '遺言・法的書類',
      description_en: 'Cross-references your Document Vault for wills, POA, advance directive.',
      description_jp: 'Document Vault と相互参照(遺言・POA・事前指示書)。',
      auto_show: () => true,
      builder: () => buildWillTrackerCard(),
    },
    {
      id: 'dual_will',
      label_en: 'Dual-will strategy explainer',
      label_jp: 'デュアル遺言戦略の解説',
      description_en: 'Why two coordinated wills (US + JP) often beat a single international will.',
      description_jp: '調整された 2 通の遺言(米国 + 日本)が単一の国際遺言より優れる理由。',
      auto_show: hasJpExposure,
      builder: () => buildDualWillCard(),
    },
    {
      id: 'koseki',
      label_en: '戸籍 trail (foreigner-specific)',
      label_jp: '戸籍ルート(外国人特有)',
      description_en: 'Workarounds for non-Japanese decedents/heirs; 法定相続情報一覧図.',
      description_jp: '日本人以外の被相続人・相続人の回避策;法定相続情報一覧図。',
      auto_show: hasJpExposure,
      builder: () => buildKosekiCard(),
    },
    {
      id: 'probate_avoid',
      label_en: 'Probate-avoidance toolkit',
      label_jp: '検認回避ツールキット',
      description_en: 'TOD/POD, JTWROS, US trust, 家族信託, beneficiary designations.',
      description_jp: 'TOD/POD・JTWROS・米国信託・家族信託・受取人指定。',
      auto_show: () => true,
      builder: () => buildProbateAvoidanceCard(),
    },
    {
      id: 'secondary',
      label_en: '二次相続 warning',
      label_jp: '二次相続警告',
      description_en: 'The hidden tax bomb when surviving spouse later dies — split vs all-to-spouse trade-off.',
      description_jp: '生存配偶者死亡時の隠れた税負担 — 分割 vs 配偶者全額のトレードオフ。',
      auto_show: hasSpouse,
      builder: () => buildSecondaryInheritanceCard(),
    },
    {
      id: 'loi',
      label_en: 'Letter of Instruction generator',
      label_jp: '遺言補足書ジェネレーター',
      description_en: 'Markdown-format survivor guide stitching together every module.',
      description_jp: '全モジュールを統合した Markdown 形式の遺族ガイド。',
      auto_show: () => true,
      builder: () => buildLetterOfInstructionCard(),
    },
    {
      id: 'assumptions',
      label_en: 'JP inheritance assumptions',
      label_jp: '相続税の前提',
      description_en: 'Override the auto-detection (小規模宅地, 古民家, 事業承継, etc.).',
      description_jp: '自動検出を上書き(小規模宅地・古民家・事業承継など)。',
      auto_show: hasJpExposure,
      builder: () => buildAssumptionsCard(),
    },
    { id: 'resources', always: true, builder: () => buildResourcesCard() },
  ];

  // ====================================================================
  // Module render
  // ====================================================================

  let host = null;
  let listenerSet = false;

  function render(container) {
    host = container;
    if (!listenerSet) {
      TB.customize.onChange(id, () => rerender());
      listenerSet = true;
    }
    container.innerHTML = '';
    SECTIONS.forEach((s) => {
      if (s.always || TB.customize.isSectionEnabled(id, s.id, s.auto_show)) {
        container.appendChild(s.builder());
      }
    });
    container.appendChild(TB.customize.buildPanel(id, SECTIONS));
  }
  function rerender() { if (host) render(host); }

  // ─── Header ───────────────────────────────────────────────────────

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    return el('div', { class: 'tb-card', 'data-track': 'estate' },
      el('div', { class: 'tb-card-meta' },
        el('span', { class: 'tb-badge tb-badge--track', 'data-track': 'estate' },
          t('estate.badge')),
      ),
      el('h1', null, '🪦 ' + t('estate.title')),
      el('p', { class: 'tb-card-meta' }, t('estate.subtitle')),
    );
  }

  // ─── Overview / readiness ────────────────────────────────────────

  function buildOverviewCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const status = getStatus();
    const willStatus = deriveWillStatus();
    const heirs = deriveStatutoryHeirs();
    const tax = computeJpInheritanceTax();
    const bens = deriveBeneficiaries();
    const benGaps = bens.filter((b) => b.needs_review).length;

    const card = el('div', { class: 'tb-card', 'data-track': 'estate' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📋 ' + t('estate.section.overview')));

    const tiles = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(180px, 1fr))', gap: 'var(--tb-sp-3)' },
    });

    function tile(label, value, color, hint) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-2)', border: '1px solid var(--tb-border)',
          borderTop: '3px solid ' + (color || 'var(--tb-track-estate)'),
        },
      },
        el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginBottom: '4px' } }, label),
        el('div', { style: { fontWeight: '700', fontSize: 'var(--tb-fs-22)', fontFamily: 'var(--tb-font-mono)' } }, value),
        hint ? el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginTop: '4px' } }, hint) : null,
      );
    }

    // Heirs identified
    tiles.appendChild(tile(
      t('estate.overview.heirs'),
      heirs.no_heirs ? '0' : String(heirs.all_heirs.length),
      heirs.no_heirs ? 'var(--tb-error)' : 'var(--tb-success)',
      heirs.no_heirs ? t('estate.overview.no_heirs_hint') : t('estate.overview.heirs_hint'),
    ));

    // Will status
    let willColor, willLabel;
    if (willStatus.has_us_explicit && willStatus.has_jp_explicit) {
      willColor = 'var(--tb-success)';
      willLabel = t('estate.overview.dual_wills');
    } else if (willStatus.has_any) {
      willColor = 'var(--tb-warn)';
      willLabel = t('estate.overview.partial_wills');
    } else {
      willColor = 'var(--tb-error)';
      willLabel = t('estate.overview.no_will');
    }
    tiles.appendChild(tile(t('estate.overview.will'), willLabel, willColor));

    // Beneficiary gaps
    tiles.appendChild(tile(
      t('estate.overview.ben_gaps'),
      String(benGaps),
      benGaps === 0 ? 'var(--tb-success)' :
        benGaps <= 2 ? 'var(--tb-warn)' : 'var(--tb-error)',
      benGaps === 0 ? t('estate.overview.ben_gaps_clean')
                    : t('estate.overview.ben_gaps_hint'),
    ));

    // JP estate tax estimate
    tiles.appendChild(tile(
      t('estate.overview.jp_tax'),
      '¥' + Math.round(tax.net_tax / 1_000_000).toLocaleString() + 'M',
      tax.net_tax > 0 ? 'var(--tb-warn)' : 'var(--tb-success)',
      tax.net_tax > 0
        ? '$' + Math.round(jpyToUsd(tax.net_tax) / 1000).toLocaleString() + 'K USD'
        : t('estate.overview.below_threshold'),
    ));

    card.appendChild(tiles);

    // Readiness checklist
    const checklist = [
      { ok: !heirs.no_heirs, label: t('estate.checklist.heirs') },
      { ok: willStatus.has_any, label: t('estate.checklist.will') },
      { ok: willStatus.has_us_explicit && willStatus.has_jp_explicit, label: t('estate.checklist.dual_will') },
      { ok: deriveOtherEstateDocs().poa.length > 0, label: t('estate.checklist.poa') },
      { ok: deriveOtherEstateDocs().advance_directive.length > 0, label: t('estate.checklist.advance') },
      { ok: benGaps === 0, label: t('estate.checklist.beneficiaries') },
      { ok: !!getLoI().last_generated, label: t('estate.checklist.loi') },
    ];
    const ul = el('ul', { style: { listStyle: 'none', padding: 0, marginTop: 'var(--tb-sp-3)' } });
    checklist.forEach((c) => {
      ul.appendChild(el('li', {
        style: { padding: '4px 0', display: 'flex', alignItems: 'center', gap: '8px' },
      },
        el('span', { style: { color: c.ok ? 'var(--tb-success)' : 'var(--tb-text-soft)', fontWeight: '700' } },
          c.ok ? '✓' : '○'),
        el('span', { style: { color: c.ok ? 'var(--tb-text)' : 'var(--tb-text-soft)' } }, c.label),
      ));
    });
    card.appendChild(ul);

    return card;
  }

  // ─── 法定相続人 card ─────────────────────────────────────────────

  function buildHeirsCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const heirs = deriveStatutoryHeirs();

    const card = el('div', { class: 'tb-card', 'data-track': 'estate' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '⚖ ' + t('estate.section.heirs')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('estate.heirs.intro')));

    if (heirs.no_heirs) {
      card.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-error)',
          background: 'rgba(178,58,58,0.06)', borderRadius: 'var(--tb-radius-1)',
          fontSize: 'var(--tb-fs-14)',
        },
      },
        el('div', { style: { fontWeight: '600', marginBottom: '4px' } },
          '⚠ ' + t('estate.heirs.no_heirs_label')),
        el('p', { style: { margin: 0 } }, t('estate.heirs.no_heirs_body')),
      ));
      // Cross-link to add family members
      card.appendChild(el('p', { style: { marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)' } },
        el('a', { href: '#', style: { color: 'var(--tb-navy)' },
          onclick: (e) => {
            e.preventDefault();
            document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'family' } }));
          },
        }, '↗ ' + t('estate.heirs.add_family_link'))));
      return card;
    }

    // Rank label
    const rankLabel = heirs.rank === 1 ? t('estate.heirs.rank.descendants')
                    : heirs.rank === 2 ? t('estate.heirs.rank.ascendants')
                    : heirs.rank === 3 ? t('estate.heirs.rank.siblings')
                    : t('estate.heirs.rank.spouse_only');
    card.appendChild(el('div', {
      style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        marginBottom: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)' },
    },
      el('strong', null, t('estate.heirs.priority_class') + ': '), rankLabel));

    // Heir list with shares
    const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)' } });
    heirs.all_heirs.forEach((h) => {
      const m = h.member;
      const name = (lang === 'ja' && m.name_jp) ? m.name_jp : m.name_en;
      const roleLabel = h.role === 'spouse' ? t('estate.heirs.role.spouse')
                      : h.role === 'child' ? t('estate.heirs.role.child')
                      : h.role === 'parent' ? t('estate.heirs.role.parent')
                      : t('estate.heirs.role.sibling');
      const sharePct = (h.share * 100).toFixed(2).replace(/\.?0+$/, '') + '%';
      list.appendChild(el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-estate)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
        },
      },
        el('div', null,
          el('div', { style: { fontWeight: '600' } },
            name || (lang === 'ja' ? '(無題)' : '(untitled)')),
          el('div', { class: 'tb-field-help', style: { marginTop: '2px' } }, roleLabel),
        ),
        el('div', {
          style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700', fontSize: 'var(--tb-fs-22)' },
        }, sharePct),
      ));
    });
    card.appendChild(list);

    // Code reference
    card.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-3)' } },
      t('estate.heirs.code_ref')));
    return card;
  }

  // ─── JP 相続税 card ──────────────────────────────────────────────

  function buildJpTaxCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const tax = computeJpInheritanceTax();

    const card = el('div', { class: 'tb-card', 'data-track': 'estate' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '💴 ' + t('estate.section.jp_tax')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openAssumptionsModal() }, '✎ ' + t('estate.assumptions.edit')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('estate.jp_tax.intro')));

    // 永住者 status banner
    if (tax.is_pr_for_tax) {
      card.appendChild(el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-warn)', background: 'rgba(185,122,26,0.06)',
          borderRadius: 'var(--tb-radius-1)', marginBottom: 'var(--tb-sp-3)',
          fontSize: 'var(--tb-fs-14)' },
      }, '⚠ ' + t('estate.jp_tax.pr_active', {
        years: tax.years_in_japan != null ? tax.years_in_japan : '?',
      })));
    } else if (tax.years_in_japan != null) {
      card.appendChild(el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-estate)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)', marginBottom: 'var(--tb-sp-3)',
          fontSize: 'var(--tb-fs-14)' },
      }, 'ℹ ' + t('estate.jp_tax.pre_pr', {
        years: tax.years_in_japan,
        remaining: Math.max(0, 6 - tax.years_in_japan),
      })));
    }

    // Tax breakdown
    function row(label, valueJpy, color) {
      return el('div', {
        style: {
          display: 'flex', justifyContent: 'space-between', alignItems: 'baseline',
          padding: '6px var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)', marginBottom: '4px',
        },
      },
        el('span', null, label),
        el('span', {
          style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600',
            color: color || 'var(--tb-text)' },
        }, '¥' + Math.round(valueJpy).toLocaleString()),
      );
    }
    card.appendChild(row(t('estate.jp_tax.gross'), tax.gross_jpy));
    if (tax.shotaku_reduction > 0) {
      card.appendChild(row('  – ' + t('estate.jp_tax.shotaku'), -tax.shotaku_reduction, 'var(--tb-success)'));
    }
    if (tax.clawback_jpy > 0) {
      card.appendChild(row('  + ' + t('estate.jp_tax.clawback'), tax.clawback_jpy, 'var(--tb-warn)'));
    }
    card.appendChild(row('  – ' + t('estate.jp_tax.base_deduction'), -tax.base_deduction, 'var(--tb-success)'));
    card.appendChild(row(t('estate.jp_tax.taxable_estate'), tax.taxable_estate));
    card.appendChild(row(t('estate.jp_tax.total_tax'), tax.total_tax, 'var(--tb-warn)'));
    if (tax.spouse_credit > 0) {
      card.appendChild(row('  – ' + t('estate.jp_tax.spouse_credit'), -tax.spouse_credit, 'var(--tb-success)'));
    }
    // Net
    card.appendChild(el('div', {
      style: {
        display: 'flex', justifyContent: 'space-between', alignItems: 'baseline',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: tax.net_tax > 0 ? 'rgba(185,122,26,0.08)' : 'rgba(47,111,78,0.06)',
        borderRadius: 'var(--tb-radius-2)', marginTop: 'var(--tb-sp-2)',
        borderLeft: '4px solid ' + (tax.net_tax > 0 ? 'var(--tb-warn)' : 'var(--tb-success)'),
      },
    },
      el('span', { style: { fontWeight: '700' } }, t('estate.jp_tax.net')),
      el('span', {
        style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700',
          fontSize: 'var(--tb-fs-22)', color: tax.net_tax > 0 ? 'var(--tb-warn)' : 'var(--tb-success)' },
      }, '¥' + Math.round(tax.net_tax).toLocaleString() + ' / $' + Math.round(jpyToUsd(tax.net_tax)).toLocaleString()),
    ));

    // Per-heir breakdown (collapsible)
    if (tax.per_heir.length > 0 && tax.taxable_estate > 0) {
      const details = el('details', { style: { marginTop: 'var(--tb-sp-3)' } });
      details.appendChild(el('summary', { style: { cursor: 'pointer', fontWeight: '600' } },
        t('estate.jp_tax.per_heir_label')));
      const innerList = el('div', { style: { marginTop: 'var(--tb-sp-2)', display: 'flex', flexDirection: 'column', gap: '4px' } });
      tax.per_heir.forEach((h) => {
        const m = h.member;
        const name = (lang === 'ja' && m.name_jp) ? m.name_jp : m.name_en;
        innerList.appendChild(el('div', {
          style: {
            display: 'flex', justifyContent: 'space-between', padding: '4px var(--tb-sp-3)',
            background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
            fontSize: 'var(--tb-fs-12)',
          },
        },
          el('span', null,
            (name || '(untitled)') +
            ' (' + (h.share * 100).toFixed(2).replace(/\.?0+$/, '') + '%)'),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)' } },
            '¥' + Math.round(h.allocated).toLocaleString() + ' → ¥' + Math.round(h.after_credit).toLocaleString()),
        ));
      });
      details.appendChild(innerList);
      card.appendChild(details);
    }

    return card;
  }

  // ─── Asset situs analysis ─────────────────────────────────────────

  function buildSitusCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const situs = deriveAssetSitusBase();

    const card = el('div', { class: 'tb-card', 'data-track': 'estate' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🌐 ' + t('estate.section.situs')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('estate.situs.intro')));

    // Summary tiles
    const tiles = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(160px, 1fr))', gap: 'var(--tb-sp-2)' },
    });
    function tile(label, jpy, color) {
      return el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)', borderLeft: '3px solid ' + color },
      },
        el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' } }, label),
        el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700' } },
          '¥' + Math.round(jpy / 1_000_000).toLocaleString() + 'M'),
      );
    }
    tiles.appendChild(tile(t('estate.situs.jp'), situs.jp_situs_jpy, 'var(--tb-track-resident)'));
    tiles.appendChild(tile(t('estate.situs.us'), situs.us_situs_jpy, 'var(--tb-track-tax)'));
    tiles.appendChild(tile(t('estate.situs.total'), situs.total_jpy, 'var(--tb-track-estate)'));
    tiles.appendChild(tile(t('estate.situs.jp_taxable'), situs.jp_taxable_estate_jpy,
      situs.is_pr_for_tax ? 'var(--tb-warn)' : 'var(--tb-success)'));
    card.appendChild(tiles);

    // Per-account breakdown (collapsible)
    if (situs.by_account.length > 0) {
      const details = el('details', { style: { marginTop: 'var(--tb-sp-3)' } });
      details.appendChild(el('summary', { style: { cursor: 'pointer', fontWeight: '600' } },
        t('estate.situs.per_account_label')));
      const inner = el('div', { style: { marginTop: 'var(--tb-sp-2)', display: 'flex', flexDirection: 'column', gap: '4px' } });
      situs.by_account.sort((a, b) => b.jpy - a.jpy).forEach((row) => {
        inner.appendChild(el('div', {
          style: {
            display: 'flex', justifyContent: 'space-between', alignItems: 'baseline',
            padding: '4px var(--tb-sp-3)', background: 'var(--tb-bg)',
            borderRadius: 'var(--tb-radius-1)', fontSize: 'var(--tb-fs-12)',
          },
        },
          el('span', null,
            el('span', {
              style: {
                display: 'inline-block', padding: '1px 6px', marginRight: '6px',
                fontSize: '10px', fontWeight: '700', letterSpacing: '0.04em',
                borderRadius: 'var(--tb-radius-pill)', color: '#fff',
                background: row.situs === 'JP' ? '#B23A3A' : '#1A4480',
              },
            }, row.situs),
            row.account.institution + ' / ' + row.account.name,
            row.jp_taxable ? el('span', { style: { color: 'var(--tb-warn)', marginLeft: '6px' } }, '⚠ JP-taxable') : null,
          ),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)' } },
            '¥' + Math.round(row.jpy).toLocaleString()),
        ));
      });
      details.appendChild(inner);
      card.appendChild(details);
    }

    return card;
  }

  // ─── Beneficiary review ───────────────────────────────────────────

  function buildBeneficiaryCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const bens = deriveBeneficiaries();

    const card = el('div', { class: 'tb-card', 'data-track': 'estate' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '👤 ' + t('estate.section.beneficiaries')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('estate.beneficiaries.intro')));

    if (bens.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('estate.beneficiaries.empty')));
      return card;
    }

    // Sort: gaps first (no_beneficiary, then never_reviewed, then stale_review),
    // then complete records.
    const order = { no_beneficiary: 0, never_reviewed: 1, stale_review: 2 };
    bens.sort((a, b) => {
      const ra = a.gap_reason ? order[a.gap_reason] : 99;
      const rb = b.gap_reason ? order[b.gap_reason] : 99;
      return ra - rb;
    });

    bens.forEach((b) => {
      const a = b.account;
      let color, label;
      if (b.gap_reason === 'no_beneficiary') { color = 'var(--tb-error)'; label = t('estate.beneficiaries.gap.none'); }
      else if (b.gap_reason === 'never_reviewed') { color = 'var(--tb-warn)'; label = t('estate.beneficiaries.gap.never'); }
      else if (b.gap_reason === 'stale_review') { color = 'var(--tb-warn)'; label = t('estate.beneficiaries.gap.stale'); }
      else { color = 'var(--tb-success)'; label = '✓'; }
      const benDisplay = (b.override && b.override.primary) || b.asset_beneficiary || (lang === 'ja' ? '(未設定)' : '(none set)');
      const row = el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid ' + color,
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)', gap: 'var(--tb-sp-3)',
        },
      });
      row.appendChild(el('div', null,
        el('div', { style: { fontWeight: '600' } },
          a.institution + ' / ' + a.name),
        el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
          t('estate.beneficiaries.primary') + ': ' + benDisplay),
      ));
      const right = el('div', { style: { display: 'flex', flexDirection: 'column', alignItems: 'flex-end', gap: '4px' } });
      right.appendChild(el('span', { style: { color, fontSize: 'var(--tb-fs-12)', fontWeight: '600' } }, label));
      right.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '2px 8px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openBeneficiaryModal(a),
      }, '✎ ' + t('estate.beneficiaries.edit')));
      row.appendChild(right);
      card.appendChild(row);
    });
    return card;
  }

  function openBeneficiaryModal(account) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const overrides = getBenOverrides();
    const draft = Object.assign({
      primary: account.beneficiary || '',
      contingent: '',
      percentage: 100,
      last_reviewed: new Date().toISOString().slice(0, 10),
      notes: '',
    }, overrides[account.id] || {});

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      t('estate.modal.beneficiary') + ': ' + account.institution + ' / ' + account.name));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }
    modal.appendChild(field(t('estate.beneficiaries.primary'),
      el('input', { type: 'text', class: 'tb-input', value: draft.primary,
        oninput: (e) => { draft.primary = e.target.value; } })));
    modal.appendChild(field(t('estate.beneficiaries.contingent'),
      el('input', { type: 'text', class: 'tb-input', value: draft.contingent || '',
        oninput: (e) => { draft.contingent = e.target.value; } })));
    modal.appendChild(field(t('estate.beneficiaries.last_reviewed'),
      el('input', { type: 'date', class: 'tb-input',
        value: draft.last_reviewed,
        oninput: (e) => { draft.last_reviewed = e.target.value; } })));
    modal.appendChild(field(t('estate.beneficiaries.notes'),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.notes = e.target.value; } }, draft.notes || '')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('estate.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setBenOverride(account.id, draft); close(); rerender(); } }, t('estate.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Will & POA tracker ───────────────────────────────────────────

  function buildWillTrackerCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const willStatus = deriveWillStatus();
    const otherDocs = deriveOtherEstateDocs();

    const card = el('div', { class: 'tb-card', 'data-track': 'estate' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📜 ' + t('estate.section.will_tracker')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('estate.will_tracker.intro')));

    function docRow(label, items, addType) {
      const has = items.length > 0;
      const row = el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid ' + (has ? 'var(--tb-success)' : 'var(--tb-error)'),
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)', gap: 'var(--tb-sp-3)',
        },
      });
      row.appendChild(el('div', null,
        el('div', { style: { fontWeight: '600' } },
          (has ? '✓ ' : '○ ') + label),
        items.length > 1
          ? el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
              items.length + ' ' + t('estate.will_tracker.docs_in_vault'))
          : null,
      ));
      row.appendChild(el('a', {
        href: '#',
        style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)', whiteSpace: 'nowrap' },
        onclick: (e) => {
          e.preventDefault();
          document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'document-vault' } }));
        },
      }, has ? (t('estate.will_tracker.view_vault') + ' →')
            : (t('estate.will_tracker.add_to_vault') + ' →')));
      return row;
    }

    card.appendChild(docRow(t('estate.will_tracker.us_will'),
      willStatus.has_us_explicit ? willStatus.items.filter((w) =>
        /us|american|united states|英文/i.test(w.title || '')) : [],
      'will'));
    card.appendChild(docRow(t('estate.will_tracker.jp_will'),
      willStatus.has_jp_explicit ? willStatus.items.filter((w) =>
        /公正証書|jp|japan|japanese|和文/i.test(w.title || '')) : [],
      'will'));

    if (willStatus.single_assumed) {
      card.appendChild(el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-warn)',
          background: 'rgba(185,122,26,0.06)', borderRadius: 'var(--tb-radius-1)',
          fontSize: 'var(--tb-fs-12)', marginBottom: 'var(--tb-sp-2)' },
      }, '⚠ ' + t('estate.will_tracker.single_will_warning')));
    }

    card.appendChild(docRow(t('estate.will_tracker.poa'), otherDocs.poa, 'poa'));
    card.appendChild(docRow(t('estate.will_tracker.advance'), otherDocs.advance_directive, 'advance_directive'));
    card.appendChild(docRow(t('estate.will_tracker.trust'), otherDocs.trust, 'trust_doc'));
    card.appendChild(docRow(t('estate.will_tracker.ben_designation'), otherDocs.ben_designation, 'beneficiary_designation'));

    return card;
  }

  // ─── Dual-will strategy explainer ─────────────────────────────────

  function buildDualWillCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'estate' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📑 ' + t('estate.section.dual_will')));
    card.appendChild(el('p', null, t('estate.dual_will.intro')));

    const grid = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(280px, 1fr))', gap: 'var(--tb-sp-3)', marginTop: 'var(--tb-sp-2)' },
    });
    function tile(title, body, bullets) {
      const div = el('div', {
        style: { padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-2)', border: '1px solid var(--tb-border)' },
      });
      div.appendChild(el('div', { style: { fontWeight: '700', marginBottom: '4px' } }, title));
      div.appendChild(el('div', { class: 'tb-field-help', style: { marginBottom: 'var(--tb-sp-2)' } }, body));
      const ul = el('ul', { style: { paddingLeft: '20px', margin: 0 } });
      bullets.forEach((b) => ul.appendChild(el('li', { style: { fontSize: 'var(--tb-fs-12)', marginBottom: '4px' } }, b)));
      div.appendChild(ul);
      return div;
    }
    grid.appendChild(tile(
      t('estate.dual_will.us_will_title'),
      t('estate.dual_will.us_will_body'),
      [
        t('estate.dual_will.us_bullet1'),
        t('estate.dual_will.us_bullet2'),
        t('estate.dual_will.us_bullet3'),
        t('estate.dual_will.us_bullet4'),
      ]));
    grid.appendChild(tile(
      t('estate.dual_will.jp_will_title'),
      t('estate.dual_will.jp_will_body'),
      [
        t('estate.dual_will.jp_bullet1'),
        t('estate.dual_will.jp_bullet2'),
        t('estate.dual_will.jp_bullet3'),
        t('estate.dual_will.jp_bullet4'),
      ]));
    card.appendChild(grid);

    card.appendChild(el('div', {
      style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        borderLeft: '3px solid var(--tb-track-estate)', background: 'var(--tb-bg)',
        borderRadius: 'var(--tb-radius-1)', marginTop: 'var(--tb-sp-3)',
        fontSize: 'var(--tb-fs-12)' },
    }, '💡 ' + t('estate.dual_will.no_conflict')));

    return card;
  }

  // ─── 戸籍 trail card ──────────────────────────────────────────────

  function buildKosekiCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'estate' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📋 ' + t('estate.section.koseki')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('estate.koseki.intro')));

    const ul = el('ul', { style: { paddingLeft: '20px', marginTop: 0 } });
    [
      'estate.koseki.point1',
      'estate.koseki.point2',
      'estate.koseki.point3',
      'estate.koseki.point4',
      'estate.koseki.point5',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(ul);

    return card;
  }

  // ─── Probate-avoidance strategies card ───────────────────────────

  function buildProbateAvoidanceCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'estate' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🚪 ' + t('estate.section.probate_avoid')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('estate.probate_avoid.intro')));

    const tools = [
      { id: 'tod_pod', title: 'TOD / POD', body_key: 'estate.probate_avoid.tod_body', good: ['us_situs'], bad: ['jp_situs'] },
      { id: 'jtwros',  title: 'JTWROS',    body_key: 'estate.probate_avoid.jtwros_body', good: ['us_situs'], bad: ['jp_situs'] },
      { id: 'living_trust', title: 'Living Trust (Revocable)', body_key: 'estate.probate_avoid.trust_body', good: ['us_situs'], bad: ['jp_situs'] },
      { id: 'kazoku_shintaku', title: '家族信託 (Family Trust, JP)', body_key: 'estate.probate_avoid.kazoku_body', good: ['jp_situs'], bad: [] },
      { id: 'beneficiary', title: 'Beneficiary designations', body_key: 'estate.probate_avoid.bd_body', good: ['us_situs', 'jp_situs'], bad: [] },
    ];
    tools.forEach((tool) => {
      const wrap = el('details', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-estate)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)' },
      });
      const summary = el('summary', { style: { cursor: 'pointer', fontWeight: '600' } },
        tool.title);
      wrap.appendChild(summary);
      wrap.appendChild(el('p', { style: { marginTop: 'var(--tb-sp-2)', marginBottom: 0, fontSize: 'var(--tb-fs-12)' } },
        t(tool.body_key)));
      card.appendChild(wrap);
    });
    return card;
  }

  // ─── 二次相続 (secondary inheritance) warning ──────────────────────

  function buildSecondaryInheritanceCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const heirs = deriveStatutoryHeirs();
    if (!heirs.spouse) return el('div', { style: { display: 'none' } });

    const card = el('div', { class: 'tb-card', 'data-track': 'estate' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🔄 ' + t('estate.section.secondary')));
    card.appendChild(el('p', null, t('estate.secondary.intro')));

    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-warn)',
        background: 'rgba(185,122,26,0.06)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-14)',
      },
    },
      el('div', { style: { fontWeight: '600', marginBottom: '4px' } }, '⚠ ' + t('estate.secondary.warning_label')),
      el('p', { style: { margin: 0 } }, t('estate.secondary.warning_body')),
    ));

    const ul = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-2)' } });
    [
      'estate.secondary.tip1',
      'estate.secondary.tip2',
      'estate.secondary.tip3',
      'estate.secondary.tip4',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(ul);

    return card;
  }

  // ─── Letter of Instruction generator ─────────────────────────────

  function buildLetterOfInstructionCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const loi = getLoI();
    const lastGen = loi.last_generated;

    const card = el('div', { class: 'tb-card', 'data-track': 'estate' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '✉ ' + t('estate.section.loi')),
      el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } },
        el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
          onclick: () => openLoiModal() }, '✎ ' + t('estate.edit')),
        el('button', { class: 'tb-btn', type: 'button',
          style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
          onclick: () => generateAndDownloadLoi() }, '⬇ ' + t('estate.loi.generate')),
      ),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('estate.loi.intro')));

    if (lastGen) {
      card.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
        t('estate.loi.last_generated') + ': ' + new Date(lastGen).toLocaleDateString()));
    } else {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('estate.loi.never_generated')));
    }

    return card;
  }

  function openLoiModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({
      funeral_preferences: '',
      pet_instructions: '',
      digital_accounts_note: '',
      important_contacts: [],
      additional_notes: '',
    }, getLoI());

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('estate.modal.loi')));
    modal.appendChild(el('p', { class: 'tb-card-meta' }, t('estate.modal.loi_help')));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    modal.appendChild(field(t('estate.loi.funeral'),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.funeral_preferences = e.target.value; } },
        draft.funeral_preferences || ''),
      t('estate.loi.funeral.help')));

    modal.appendChild(field(t('estate.loi.pets'),
      el('textarea', { class: 'tb-input', rows: 2,
        oninput: (e) => { draft.pet_instructions = e.target.value; } },
        draft.pet_instructions || '')));

    modal.appendChild(field(t('estate.loi.digital'),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.digital_accounts_note = e.target.value; } },
        draft.digital_accounts_note || ''),
      t('estate.loi.digital.help')));

    // Important contacts — simple table-style editor
    const contactsWrap = el('div', { class: 'tb-field' });
    contactsWrap.appendChild(el('label', { class: 'tb-field-label' }, t('estate.loi.contacts')));
    const contactsList = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px' } });
    function renderContacts() {
      contactsList.innerHTML = '';
      draft.important_contacts.forEach((c, i) => {
        const row = el('div', { style: { display: 'grid', gridTemplateColumns: '2fr 2fr 2fr 1fr auto', gap: '4px' } });
        row.appendChild(el('input', { type: 'text', class: 'tb-input', placeholder: t('estate.loi.contacts.name'),
          value: c.name || '', oninput: (e) => { c.name = e.target.value; } }));
        row.appendChild(el('input', { type: 'text', class: 'tb-input', placeholder: t('estate.loi.contacts.role'),
          value: c.role || '', oninput: (e) => { c.role = e.target.value; } }));
        row.appendChild(el('input', { type: 'text', class: 'tb-input', placeholder: t('estate.loi.contacts.contact'),
          value: c.contact || '', oninput: (e) => { c.contact = e.target.value; } }));
        row.appendChild(el('input', { type: 'text', class: 'tb-input', placeholder: t('estate.loi.contacts.relationship'),
          value: c.relationship || '', oninput: (e) => { c.relationship = e.target.value; } }));
        row.appendChild(el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '2px 8px' },
          onclick: () => { draft.important_contacts.splice(i, 1); renderContacts(); } }, '🗑'));
        contactsList.appendChild(row);
      });
    }
    renderContacts();
    contactsWrap.appendChild(contactsList);
    contactsWrap.appendChild(el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
      style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)', marginTop: '4px' },
      onclick: () => { draft.important_contacts.push({}); renderContacts(); } },
      '＋ ' + t('estate.loi.contacts.add')));
    modal.appendChild(contactsWrap);

    modal.appendChild(field(t('estate.loi.additional'),
      el('textarea', { class: 'tb-input', rows: 4,
        oninput: (e) => { draft.additional_notes = e.target.value; } },
        draft.additional_notes || '')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('estate.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setLoI(draft); close(); rerender(); } }, t('estate.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // Generates a Markdown-format Letter of Instruction by stitching
  // together state from every relevant module. User downloads the .md
  // file and prints it to keep with the will.
  function generateAndDownloadLoi() {
    const profile = TB.state.get('profile') || {};
    const loi = getLoI();
    const heirs = deriveStatutoryHeirs();
    const tax = computeJpInheritanceTax();
    const accounts = (TB.assets && typeof TB.assets.getActiveAccounts === 'function')
      ? TB.assets.getActiveAccounts() : [];
    const willStatus = deriveWillStatus();
    const otherDocs = deriveOtherEstateDocs();
    const giftsLog = TB.state.get('family.gifts_log') || [];
    const today = new Date().toISOString().slice(0, 10);

    const lines = [];
    lines.push('# Letter of Instruction');
    lines.push('');
    lines.push('**Prepared by:** ' + (profile.displayName || '(unspecified)'));
    lines.push('**Date generated:** ' + today);
    lines.push('');
    lines.push('> *This document is informational guidance for survivors. It is NOT a will and has no legal force. Use alongside (never instead of) properly executed wills in each jurisdiction where you hold assets.*');
    lines.push('');

    // 1. Family / heirs
    lines.push('## 1. Statutory Heirs (法定相続人)');
    lines.push('');
    if (heirs.no_heirs) {
      lines.push('*No statutory heirs identified in family roster. Estate may default to JP state (国庫帰属) unless will provides otherwise.*');
    } else {
      lines.push('| Heir | Relationship | Share |');
      lines.push('|------|--------------|-------|');
      heirs.all_heirs.forEach((h) => {
        const m = h.member;
        const name = (m.name_en || m.name_jp || '(unnamed)');
        const rel = h.role;
        const sharePct = (h.share * 100).toFixed(2).replace(/\.?0+$/, '') + '%';
        lines.push('| ' + name + ' | ' + rel + ' | ' + sharePct + ' |');
      });
    }
    lines.push('');

    // 2. Asset inventory
    lines.push('## 2. Asset Inventory');
    lines.push('');
    if (accounts.length === 0) {
      lines.push('*No accounts in Asset tracker.*');
    } else {
      lines.push('| Institution | Name | Country | Wrapper | Currency | Balance | Beneficiary |');
      lines.push('|-------------|------|---------|---------|----------|---------|-------------|');
      accounts.forEach((a) => {
        const ovr = (getBenOverrides()[a.id] || {});
        const ben = ovr.primary || a.beneficiary || '*(not set)*';
        lines.push('| ' + (a.institution || '—') +
          ' | ' + (a.name || '—') +
          ' | ' + (a.country || '—') +
          ' | ' + (a.tax_wrapper || '—') +
          ' | ' + (a.currency || '—') +
          ' | ' + (a.balance_native != null ? a.balance_native.toLocaleString() : '—') +
          ' | ' + ben + ' |');
      });
    }
    lines.push('');

    // 3. Will & legal documents
    lines.push('## 3. Wills & Legal Documents (in Document Vault)');
    lines.push('');
    function listDocs(label, items) {
      lines.push('**' + label + ':** ' + (items.length === 0 ? '*none on record*' : items.length + ' record(s)'));
      items.forEach((it) => {
        lines.push('  - ' + (it.title || '(untitled)') +
          (it.storage_location ? ' — ' + it.storage_location : ''));
      });
    }
    listDocs('Will(s)', willStatus.items);
    listDocs('Power of Attorney', otherDocs.poa);
    listDocs('Advance Directive', otherDocs.advance_directive);
    listDocs('Trust documents', otherDocs.trust);
    listDocs('Beneficiary designations', otherDocs.ben_designation);
    lines.push('');

    // 4. JP inheritance tax preview
    lines.push('## 4. JP Inheritance Tax (相続税) Estimate');
    lines.push('');
    lines.push('- **Estate base (gross):** ¥' + Math.round(tax.gross_jpy).toLocaleString());
    lines.push('- **Base deduction:** ¥' + Math.round(tax.base_deduction).toLocaleString());
    lines.push('- **Taxable estate:** ¥' + Math.round(tax.taxable_estate).toLocaleString());
    lines.push('- **Total tax (before spouse credit):** ¥' + Math.round(tax.total_tax).toLocaleString());
    lines.push('- **Spouse credit applied:** ¥' + Math.round(tax.spouse_credit).toLocaleString());
    lines.push('- **Net estate tax owed:** ¥' + Math.round(tax.net_tax).toLocaleString() +
      ' (≈$' + Math.round(jpyToUsd(tax.net_tax)).toLocaleString() + ' USD)');
    lines.push('');
    lines.push('*This is a planning estimate, not a tax filing. Engage a 税理士 (Japanese tax accountant) within 10 months of death to file the actual 相続税申告書.*');
    lines.push('');

    // 5. Recent gifts (7y clawback awareness)
    if (giftsLog.length > 0) {
      lines.push('## 5. Recent Gifts (7-Year Clawback Window)');
      lines.push('');
      lines.push('*Gifts made within 7 years of death are added back to the estate for tax purposes. Below is the recorded gift history:*');
      lines.push('');
      const cutoff = new Date().getFullYear() - 7;
      const inWindow = giftsLog.filter((g) => g.year >= cutoff);
      if (inWindow.length === 0) {
        lines.push('*No gifts in the past 7 years.*');
      } else {
        inWindow.forEach((g) => {
          lines.push('- **' + g.year + '** — ¥' + (g.amount_jpy || 0).toLocaleString() +
            ' via ' + g.vehicle + (g.notes ? ' (' + g.notes + ')' : ''));
        });
      }
      lines.push('');
    }

    // 6. Funeral / personal preferences
    lines.push('## 6. Personal Preferences');
    lines.push('');
    if (loi.funeral_preferences) {
      lines.push('### Funeral wishes');
      lines.push(loi.funeral_preferences);
      lines.push('');
    }
    if (loi.pet_instructions) {
      lines.push('### Pet care');
      lines.push(loi.pet_instructions);
      lines.push('');
    }
    if (loi.digital_accounts_note) {
      lines.push('### Digital accounts');
      lines.push(loi.digital_accounts_note);
      lines.push('');
    }

    // 7. Important contacts
    if (loi.important_contacts && loi.important_contacts.length > 0) {
      lines.push('## 7. Important Contacts');
      lines.push('');
      lines.push('| Name | Relationship | Role | Contact |');
      lines.push('|------|--------------|------|---------|');
      loi.important_contacts.forEach((c) => {
        lines.push('| ' + (c.name || '—') +
          ' | ' + (c.relationship || '—') +
          ' | ' + (c.role || '—') +
          ' | ' + (c.contact || '—') + ' |');
      });
      lines.push('');
    }

    // 8. Additional notes
    if (loi.additional_notes) {
      lines.push('## 8. Additional Notes');
      lines.push('');
      lines.push(loi.additional_notes);
      lines.push('');
    }

    // 9. Action checklist for survivors
    lines.push('## 9. First-30-Days Action Checklist for Survivors');
    lines.push('');
    lines.push('- [ ] Obtain death certificate (multiple certified copies — both jurisdictions)');
    lines.push('- [ ] Notify Social Security Administration (US): 1-800-772-1213');
    lines.push('- [ ] Notify Japanese 市役所/区役所 (within 7 days for 死亡届)');
    lines.push('- [ ] Locate and read all wills (US + JP)');
    lines.push('- [ ] Contact named executor(s) and/or attorneys');
    lines.push('- [ ] Notify all banks, brokerages, retirement plan administrators');
    lines.push('- [ ] If decedent was Japan tax resident: engage 税理士 (10-month clock starts)');
    lines.push('- [ ] If US-citizen decedent: engage CPA for final 1040 + 706 (if estate >$13.99M)');
    lines.push('- [ ] Cancel/transfer credit cards, utilities, subscriptions');
    lines.push('- [ ] Update beneficiaries on surviving spouse\'s accounts');
    lines.push('');
    lines.push('---');
    lines.push('*Generated by Taigan Bridge — taigan-bridge.local*');

    const md = lines.join('\n');

    // Save and trigger download
    const loiState = getLoI();
    loiState.last_generated = new Date().toISOString();
    setLoI(loiState);

    const blob = new Blob([md], { type: 'text/markdown' });
    const url = URL.createObjectURL(blob);
    const a = document.createElement('a');
    a.href = url;
    a.download = 'letter-of-instruction-' + today + '.md';
    document.body.appendChild(a);
    a.click();
    document.body.removeChild(a);
    URL.revokeObjectURL(url);

    rerender();
  }

  // ─── JP inheritance assumptions modal ────────────────────────────

  function buildAssumptionsCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const ja = getJpAssumptions();
    const card = el('div', { class: 'tb-card', 'data-track': 'estate' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '⚙ ' + t('estate.section.assumptions')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openAssumptionsModal() }, '✎ ' + t('estate.edit')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('estate.assumptions.intro')));

    const dl = el('dl', { class: 'tb-dl' });
    function row(label, val) {
      dl.appendChild(el('dt', null, label));
      dl.appendChild(el('dd', null, val));
    }
    row(t('estate.assumptions.shotaku'), ja.has_jp_real_estate_residence ? '✓' : '○');
    row(t('estate.assumptions.kominka'), ja.expects_kominka ? '✓' : '○');
    row(t('estate.assumptions.business'), ja.expects_business_succession ? '✓' : '○');
    if (ja.estimated_other_jp_assets_jpy) {
      row(t('estate.assumptions.other_jp'), '¥' + ja.estimated_other_jp_assets_jpy.toLocaleString());
    }
    if (ja.estimated_other_us_assets_usd) {
      row(t('estate.assumptions.other_us'), '$' + ja.estimated_other_us_assets_usd.toLocaleString());
    }
    card.appendChild(dl);
    return card;
  }

  function openAssumptionsModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({
      expects_kominka: false,
      expects_business_succession: false,
      has_jp_real_estate_residence: false,
      estimated_other_jp_assets_jpy: null,
      estimated_other_us_assets_usd: null,
    }, getJpAssumptions());

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('estate.modal.assumptions')));

    function checkbox(label, key, help) {
      const cb = el('input', { type: 'checkbox', checked: !!draft[key],
        style: { marginRight: '8px' },
        onchange: (e) => { draft[key] = !!e.target.checked; } });
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
          cb, label),
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }
    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    modal.appendChild(checkbox(t('estate.assumptions.shotaku'),
      'has_jp_real_estate_residence', t('estate.assumptions.shotaku.help')));
    modal.appendChild(checkbox(t('estate.assumptions.kominka'),
      'expects_kominka', t('estate.assumptions.kominka.help')));
    modal.appendChild(checkbox(t('estate.assumptions.business'),
      'expects_business_succession', t('estate.assumptions.business.help')));
    modal.appendChild(field(t('estate.assumptions.other_jp'),
      el('input', { type: 'number', class: 'tb-input', step: '1000000', min: '0',
        value: draft.estimated_other_jp_assets_jpy != null ? draft.estimated_other_jp_assets_jpy : '',
        placeholder: '0',
        oninput: (e) => {
          const v = parseFloat(e.target.value);
          draft.estimated_other_jp_assets_jpy = isFinite(v) ? v : null;
        } }),
      t('estate.assumptions.other_jp.help')));
    modal.appendChild(field(t('estate.assumptions.other_us'),
      el('input', { type: 'number', class: 'tb-input', step: '10000', min: '0',
        value: draft.estimated_other_us_assets_usd != null ? draft.estimated_other_us_assets_usd : '',
        placeholder: '0',
        oninput: (e) => {
          const v = parseFloat(e.target.value);
          draft.estimated_other_us_assets_usd = isFinite(v) ? v : null;
        } }),
      t('estate.assumptions.other_us.help')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('estate.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setJpAssumptions(draft); close(); rerender(); } }, t('estate.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Resources ────────────────────────────────────────────────────

  function buildResourcesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'estate' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📚 ' + t('estate.section.resources')));

    function resource(title, desc, url) {
      return el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-estate)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)' },
      },
        el('div', { style: { fontWeight: '600' } }, title),
        el('div', { class: 'tb-field-help', style: { margin: '4px 0' } }, desc),
        url ? el('a', { href: url, target: '_blank', rel: 'noopener noreferrer',
          style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)' } }, url + ' →') : null,
      );
    }
    card.appendChild(resource(t('estate.resources.nta_inheritance.title'),
      t('estate.resources.nta_inheritance.body'),
      'https://www.nta.go.jp/english/taxes/individual/12011.htm'));
    card.appendChild(resource(t('estate.resources.koseki_info.title'),
      t('estate.resources.koseki_info.body'),
      'https://www.moj.go.jp/MINJI/minji13.html'));
    card.appendChild(resource(t('estate.resources.ssa_survivors.title'),
      t('estate.resources.ssa_survivors.body'),
      'https://www.ssa.gov/benefits/survivors/'));
    card.appendChild(resource(t('estate.resources.us_treaty.title'),
      t('estate.resources.us_treaty.body'),
      'https://www.irs.gov/businesses/international-businesses/japan-tax-treaty-documents'));
    return card;
  }

  // ====================================================================
  // Action Center generators
  // ====================================================================

  function genBeneficiaryReviewOverdue() {
    const status = getStatus();
    const last = status.last_beneficiary_review;
    if (last) {
      const days = (new Date() - new Date(last + 'T00:00:00')) / 86400000;
      if (days < 365) return [];
    }
    const bens = deriveBeneficiaries();
    const gaps = bens.filter((b) => b.needs_review);
    if (gaps.length === 0 && last) return [];
    return [{
      id: 'estate_ben_review',
      group: 'estate',
      urgency: gaps.length > 3 ? 'high' : 'medium',
      icon: '👤',
      title: gaps.length > 0
        ? gaps.length + ' account(s) need beneficiary review'
        : 'Annual beneficiary review',
      body: 'Open Estate → Beneficiary Review. Common gaps: TSP/401(k) without contingent beneficiary, IRAs left to "estate" instead of named persons, JP bank accounts with no 受取人 designation. After divorce, marriage, birth, death — review immediately.',
      module: 'estate', snoozable: true,
    }];
  }

  function genWillMissing() {
    const willStatus = deriveWillStatus();
    if (willStatus.has_any) return [];
    return [{
      id: 'estate_will_missing',
      group: 'estate',
      urgency: 'high',
      icon: '📜',
      title: 'No will on record',
      body: 'Without a will, your estate distributes per Japanese intestacy (民法 §887, §889, §890) for JP-situs and per US state intestacy for US-situs — neither may match your intent. For US persons in Japan, you generally want BOTH a US will (covers US-situs) and a JP 公正証書遺言 (notarized JP will, fastest probate path).',
      module: 'estate', snoozable: true,
    }];
  }

  function genDualWillIncomplete() {
    const willStatus = deriveWillStatus();
    if (!willStatus.has_any) return [];  // covered by genWillMissing
    if (willStatus.has_us_explicit && willStatus.has_jp_explicit) return [];
    return [{
      id: 'estate_dual_will_incomplete',
      group: 'estate',
      urgency: 'medium',
      icon: '📑',
      title: 'Single will may not cover both jurisdictions',
      body: 'You have a will in Document Vault but it\'s not tagged as both US + JP. Cross-border estates work best with two wills (one per jurisdiction), each with a "no conflict / no revocation" clause. JP probate without a 公正証書遺言 routes through 家庭裁判所 — typically slower and more expensive.',
      module: 'estate', snoozable: true,
    }];
  }

  function genJpTaxExposure() {
    const tax = computeJpInheritanceTax();
    if (tax.net_tax === 0) return [];
    if (tax.net_tax < 5_000_000) return [];  // <¥5M not worth flagging
    return [{
      id: 'estate_jp_tax_exposure',
      group: 'estate',
      urgency: tax.net_tax > 50_000_000 ? 'high' : 'medium',
      icon: '💴',
      title: 'JP 相続税 exposure: ¥' + Math.round(tax.net_tax / 1_000_000) + 'M ($' +
        Math.round(jpyToUsd(tax.net_tax) / 1000) + 'K USD)',
      body: 'Your projected JP inheritance tax. Consider mitigation: lifetime 暦年贈与 to heirs (¥1.1M/yr each), 教育資金一括贈与 to grandkids (¥15M lump sum), residential 小規模宅地等の特例 if heir continues to live in the home. Open Family → Inheritance Pre-Positioning to track.',
      module: 'estate', snoozable: true,
    }];
  }

  function genTenYearClockApproaching() {
    if (!TB.resident || typeof TB.resident.tenYearClock !== 'function') return [];
    const clock = TB.resident.tenYearClock();
    if (!clock) return [];
    if (clock.days < 0) return [];        // already past
    if (clock.days > 365 * 2) return [];  // not yet
    return [{
      id: 'estate_tenyear_warning',
      group: 'estate',
      urgency: clock.days < 365 ? 'high' : 'medium',
      icon: '⏳',
      title: 'JP worldwide-asset clock — estate scope expanding in ' +
        Math.floor(clock.days / 365) + 'y ' + Math.round((clock.days % 365) / 30) + 'mo',
      body: 'When you cross 永住者 status (year 6+ as JP tax resident), your WORLDWIDE assets — US 401(k), IRA, brokerage, real estate — become subject to JP inheritance tax. Review Asset Situs in Estate to see the scope shift. Plan now: structured gifting, trust strategies, situs reorganization.',
      deadline: clock.date,
      module: 'estate', snoozable: true,
    }];
  }

  function genPostRenunciationTransferTax() {
    const r = TB.state.get('family.renunciation') || {};
    if (!r.contemplating) return [];
    // Only fires if there are US-citizen children/heirs
    const members = TB.state.get('family.members') || [];
    const hasUsHeirs = members.some((m) =>
      (m.relationship === 'child' || m.relationship === 'spouse') &&
      (m.citizenships || []).indexOf('US') !== -1);
    if (!hasUsHeirs) return [];
    return [{
      id: 'estate_2801_warning',
      group: 'estate',
      urgency: 'medium',
      icon: '⚠',
      title: '§2801 transfer tax — covered-expat gifts to US-person heirs',
      body: 'You\'re considering renunciation AND have US-citizen family members. Post-renunciation, future gifts/bequests from a covered expatriate to a US-person heir trigger IRC §2801 — a 40% transfer tax PAID BY THE RECIPIENT (your kids). For estates intended for US-person heirs, this can dwarf the exit tax. Discuss alternatives with a specialist BEFORE filing DS-4079.',
      module: 'estate', snoozable: true,
    }];
  }

  function genLoiStale() {
    const loi = getLoI();
    if (!loi.last_generated) {
      return [{
        id: 'estate_loi_never',
        group: 'estate',
        urgency: 'low',
        icon: '✉',
        title: 'Letter of Instruction never generated',
        body: 'A Letter of Instruction stitches together heirs, accounts, beneficiaries, gifts, will locations, funeral wishes, and a survivor\'s 30-day checklist. It\'s informational (not a will) — but it dramatically reduces survivor confusion. Generate a Markdown file from Estate → Letter of Instruction, print it, and store it with your will.',
        module: 'estate', snoozable: true,
      }];
    }
    const days = (new Date() - new Date(loi.last_generated)) / 86400000;
    if (days < 365) return [];
    return [{
      id: 'estate_loi_stale',
      group: 'estate',
      urgency: 'low',
      icon: '✉',
      title: 'Letter of Instruction is ' + Math.floor(days / 365) + 'y stale',
      body: 'Family / asset / beneficiary state has likely changed. Regenerate from Estate → Letter of Instruction.',
      module: 'estate', snoozable: true,
    }];
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id, label_en: 'Estate & Succession', label_jp: '相続・承継', render,
    searchSections: SECTIONS,
  };

  window.TB.estate = {
    actionGenerators: [
      genBeneficiaryReviewOverdue, genWillMissing, genDualWillIncomplete,
      genJpTaxExposure, genTenYearClockApproaching,
      genPostRenunciationTransferTax, genLoiStale,
    ],
    deriveStatutoryHeirs,
    deriveAssetSitusBase,
    computeJpInheritanceTax,
    deriveBeneficiaries,
    deriveWillStatus,
    JP_BRACKETS,
    BASE_DEDUCTION_FIXED,
    BASE_DEDUCTION_PER_HEIR,
    SPOUSE_DEDUCTION_MIN,
    CLAWBACK_YEARS,
  };
})();

</script>
  <script data-source="scripts/modules/ask-taigan.js">
/* Taigan Bridge — modules/ask-taigan.js
 *
 * "Ask Taigan" — chat with a Claude-powered assistant that knows your
 * full Taigan Bridge state. Each turn injects a curated state digest
 * (markdown, ~2-4K tokens) so answers are specific to YOUR situation
 * rather than generic expat-finance advice.
 *
 * Architecture:
 *
 *   1. State digest builder (TB.askTaigan.buildStateDigest) walks every
 *      module's state and produces a compact markdown summary. Sensitive
 *      values (full account numbers, exact balances if user opts) are
 *      already excluded by the contract that other modules' "for AI"
 *      surfaces honor (e.g., FBAR's summarizeFbarForAi).
 *
 *   2. Chat surface — Claude Sonnet by default. System prompt frames
 *      Taigan as a Japan-resident-US-expat domain expert with hard
 *      rules: (a) cite which module a fact came from, (b) call out
 *      when professional advice is needed, (c) use Japanese terms with
 *      English explanations, (d) reference user's actual numbers.
 *
 *   3. Conversations persisted in state. Each conversation auto-titles
 *      from the first user message. New conversation, switch, delete.
 *
 *   4. Module navigation links — when the assistant references a module
 *      via the [Module Name](#module-id) markdown link pattern, the
 *      renderer parses these and turns them into in-app navigation.
 *
 * Cost: each turn sends ~2-4K state tokens + conversation history. At
 * Sonnet pricing ($3/M input, $15/M output), a typical exchange costs
 * <$0.05. The state digest is regenerated each turn (state may have
 * changed since last message).
 */

(function () {
  'use strict';

  const id = 'ask-taigan';

  // ====================================================================
  // System prompt — defines Taigan's role + behavior
  // ====================================================================

  const SYSTEM_PROMPT_BASE =
`You are Taigan, the AI assistant for Taigan Bridge — a financial planning tool for US persons living in Japan. The user is asking a question and you have access to their full Taigan Bridge state, provided as a markdown digest in the next system message.

Your role:
- Answer the user's question using THEIR state. Reference specific numbers, account names, family members, and dates from the digest.
- When you reference a fact, cite which module it came from in parentheses, e.g. "(from Family roster)" or "(from Asset tracker)".
- When you suggest the user check or update something, link to the relevant module using markdown: [Module Name](#module-id). Module IDs: action-center, tax-coordinator, fbar, assets, projections, document-vault, sofa-roth, veteran, resident, family, estate, ask-taigan, settings.
- Use Japanese terms (確定申告, 配偶者控除, 法定相続人, etc.) with brief English explanations the first time they appear in a response.
- Currency: show JPY amounts with ¥, USD with $. Convert when helpful.

Hard rules:
- This is informational guidance, NOT legal, tax, immigration, or investment advice. When the question requires professional expertise, say so explicitly and recommend the right specialist (CPA / 税理士 / 司法書士 / 弁護士 / 行政書士 / immigration attorney / VA-accredited claims agent).
- If the state digest doesn't contain the information needed to answer specifically, say so — don't fabricate. You can suggest the user populate the relevant module.
- If the user asks about a topic where they haven't unlocked the relevant module (e.g., asks about veteran benefits but no Veteran data), suggest they enable that module section via Customize.
- Be concise. Default to ≤300 words unless the question genuinely requires more depth. Use bullets and short paragraphs.
- Never invent specific tax brackets, deadlines, or legal thresholds beyond what's in the digest. The digest contains current 2026 figures.
- For sensitive areas (renunciation, exit tax, PFIC remediation), always emphasize the irrevocability or severity AND recommend specialist consultation.

Tone: direct, knowledgeable, respectful of the user's time. You're talking to someone who's already savvy about cross-border finance — don't over-explain basics they know.`;

  // ====================================================================
  // State digest builder — produces a markdown summary for the AI
  // ====================================================================

  // Returns a markdown string summarizing the user's Taigan Bridge
  // state. Designed to be ~2-4K tokens. Walks each module's data
  // through public summarization APIs where they exist.
  function buildStateDigest() {
    const lines = [];
    const today = new Date().toISOString().slice(0, 10);

    lines.push('# Taigan Bridge State Digest');
    lines.push('Generated: ' + today);
    lines.push('');

    // ── User profile ────────────────────────────────────────────────
    const profile = TB.state.get('profile') || {};
    lines.push('## User Profile');
    if (profile.displayName) lines.push('- Name: ' + profile.displayName);
    if (profile.displayNameJa) lines.push('- 氏名: ' + profile.displayNameJa);
    lines.push('');

    // ── Onboarding answers ──────────────────────────────────────────
    const a = TB.state.get('onboarding.answers') || {};
    if (Object.keys(a).length > 0) {
      lines.push('## Onboarding Answers');
      const interesting = [
        'citizenship', 'in_japan', 'years_in_japan', 'visa',
        'employment', 'separation_date', 'veteran', 'juminhyou',
        'tax_status', 'family', 'real_estate',
      ];
      interesting.forEach((k) => {
        if (a[k] != null && a[k] !== '') {
          const v = Array.isArray(a[k]) ? a[k].join(', ') : a[k];
          lines.push('- ' + k + ': ' + v);
        }
      });
      lines.push('');
    }

    // ── Tracks unlocked ────────────────────────────────────────────
    const tracks = TB.state.get('tracks') || [];
    if (tracks.length > 0) {
      lines.push('## Active Tracks');
      lines.push(tracks.join(', '));
      lines.push('');
    }

    // ── Action Center: top items ────────────────────────────────────
    if (TB.actionCenter && typeof TB.actionCenter.deriveActions === 'function') {
      try {
        const actions = TB.actionCenter.deriveActions().slice(0, 5);
        if (actions.length > 0) {
          lines.push('## Top Action Items (next 5)');
          actions.forEach((act) => {
            lines.push('- [' + (act.urgency || 'med') + '] ' + act.title);
          });
          lines.push('');
        }
      } catch (err) { /* swallow */ }
    }

    // ── Assets summary ──────────────────────────────────────────────
    if (TB.assets && typeof TB.assets.getActiveAccounts === 'function') {
      try {
        const accounts = TB.assets.getActiveAccounts();
        const totalUsd = accounts.reduce((s, x) =>
          s + TB.assets.toUsd(x.balance_native, x.currency), 0);
        const usCount = accounts.filter((x) => x.country === 'US').length;
        const jpCount = accounts.filter((x) => x.country === 'JP').length;
        lines.push('## Assets');
        lines.push('- Total: ~$' + Math.round(totalUsd).toLocaleString() + ' USD across ' + accounts.length + ' active accounts');
        lines.push('- ' + usCount + ' US-situs, ' + jpCount + ' JP-situs');
        // Wrapper breakdown (top 5)
        const byWrapper = {};
        accounts.forEach((x) => {
          byWrapper[x.tax_wrapper || 'other'] = (byWrapper[x.tax_wrapper || 'other'] || 0) +
            TB.assets.toUsd(x.balance_native, x.currency);
        });
        const top = Object.entries(byWrapper).sort((p, q) => q[1] - p[1]).slice(0, 5);
        top.forEach(([w, v]) => {
          lines.push('  - ' + w + ': $' + Math.round(v).toLocaleString());
        });
        lines.push('');
      } catch (err) { /* swallow */ }
    }

    // ── FBAR (no PII; summary only) ────────────────────────────────
    if (TB.fbar && typeof TB.fbar.summarizeFbarForAi === 'function') {
      try {
        const summary = TB.fbar.summarizeFbarForAi();
        if (summary && summary.account_count > 0) {
          lines.push('## FBAR (foreign accounts)');
          lines.push('- ' + summary.account_count + ' accounts across ' + (summary.filer_count || 0) + ' filers');
          if (summary.years_with_filings) {
            lines.push('- Filed for years: ' + (summary.years_with_filings || []).join(', '));
          }
          lines.push('');
        }
      } catch (err) { /* swallow */ }
    }

    // ── Family roster ──────────────────────────────────────────────
    const familyMembers = TB.state.get('family.members') || [];
    if (familyMembers.length > 0) {
      lines.push('## Family Roster');
      familyMembers.forEach((m) => {
        const cit = (m.citizenships || []).join('/');
        const age = m.birth_date ? computeAge(m.birth_date) + 'y' : '';
        lines.push('- ' + (m.name_en || m.name_jp || '(unnamed)') +
          ' — ' + m.relationship + (age ? ', ' + age : '') +
          (cit ? ', ' + cit : ''));
      });
      lines.push('');
    }
    const giftsLog = TB.state.get('family.gifts_log') || [];
    if (giftsLog.length > 0) {
      const cutoff = new Date().getFullYear() - 7;
      const inWindow = giftsLog.filter((g) => g.year >= cutoff);
      if (inWindow.length > 0) {
        const total = inWindow.reduce((s, g) => s + (g.amount_jpy || 0), 0);
        lines.push('## Gifts in 7y Clawback Window');
        lines.push('- ' + inWindow.length + ' gifts, ¥' + total.toLocaleString() + ' total');
        lines.push('');
      }
    }
    const renunciation = TB.state.get('family.renunciation') || {};
    if (renunciation.contemplating) {
      lines.push('## Renunciation Status');
      lines.push('- Contemplating renunciation: yes');
      if (renunciation.target_year) lines.push('- Target year: ' + renunciation.target_year);
      if (renunciation.estimated_net_worth_usd) {
        lines.push('- Estimated net worth: $' + renunciation.estimated_net_worth_usd.toLocaleString() +
          (renunciation.estimated_net_worth_usd >= 2000000 ? ' (≥$2M = covered expatriate threshold)' : ''));
      }
      lines.push('- Specialist consultation complete: ' + (renunciation.consultation_complete ? 'yes' : 'NO'));
      lines.push('');
    }

    // ── Resident / 永住権 / 確定申告 ────────────────────────────────
    if (TB.resident && typeof TB.resident.yearsInJapan === 'function') {
      const yrs = TB.resident.yearsInJapan();
      const residency = TB.state.get('resident.residency') || {};
      if (yrs != null || residency.arrival_date || residency.visa_status) {
        lines.push('## Japan Residency');
        if (yrs != null) lines.push('- Years in Japan: ~' + yrs);
        if (residency.arrival_date) lines.push('- Arrival: ' + residency.arrival_date);
        if (residency.visa_status) lines.push('- Visa: ' + residency.visa_status);
        if (residency.juminhyo_status) lines.push('- 住民票: ' + residency.juminhyo_status);
        if (residency.permanent_residency) lines.push('- 永住者 (PR) granted: yes');
        if (yrs != null && yrs >= 6) lines.push('- 永住者 tax status: ACTIVE (worldwide assets in JP scope)');
        lines.push('');
      }
      try {
        const clock = TB.resident.tenYearClock();
        if (clock) {
          lines.push('## 10-year Worldwide-Asset Clock');
          if (clock.days < 0) {
            lines.push('- PAST: worldwide-asset scope already active for ' +
              Math.abs(Math.round(clock.days / 365)) + 'y');
          } else {
            lines.push('- ' + Math.floor(clock.days / 365) + 'y ' +
              Math.round((clock.days % 365) / 30) + 'mo until JP estate scope expands to worldwide');
          }
          lines.push('');
        }
      } catch (err) { /* swallow */ }
    }

    // ── Veteran ─────────────────────────────────────────────────────
    if (a.veteran && a.veteran !== 'no') {
      lines.push('## Veteran Status');
      lines.push('- Service status: ' + a.veteran);
      if (a.separation_date) lines.push('- Separation date: ' + a.separation_date);
      const vet = TB.state.get('veteran') || {};
      if (vet.disability && vet.disability.overall_rating_pct) {
        lines.push('- VA disability rating: ' + vet.disability.overall_rating_pct + '%');
      }
      if (vet.healthcare && vet.healthcare.tricare_eligible) {
        lines.push('- TRICARE: ' + (vet.healthcare.tricare_plan || 'eligible'));
      }
      if (vet.education && vet.education.benefit_type) {
        lines.push('- GI Bill: ' + vet.education.benefit_type +
          (vet.education.months_remaining != null ? ', ' + vet.education.months_remaining + 'mo remaining' : ''));
      }
      lines.push('');
    }

    // ── Tax Coordinator: applicable forms ──────────────────────────
    if (TB.taxCoord && typeof TB.taxCoord.buildContext === 'function') {
      try {
        const ctx = TB.taxCoord.buildContext();
        lines.push('## Tax Filing Context');
        lines.push('- Filing status: ' + ctx.filing_status_label);
        if (ctx.feie_choice && ctx.feie_choice !== 'undecided') {
          lines.push('- FEIE/FTC election: ' + ctx.feie_choice);
        } else {
          lines.push('- FEIE/FTC election: undecided');
        }
        lines.push('- JP tax resident: ' + (ctx.is_jp_resident ? 'yes' : 'no'));
        lines.push('- Foreign assets total: $' + Math.round(ctx.foreign_assets_usd).toLocaleString());
        lines.push('- FBAR aggregate (year-end proxy): $' + Math.round(ctx.fbar_aggregate_usd).toLocaleString());
        if (ctx.has_pfic === true) {
          lines.push('- ⚠ PFIC detected: ' + (ctx.pfic_account_names || []).join(', '));
        }
        if (ctx.has_foreign_corp === true) {
          lines.push('- Owns foreign corporation (Form 5471 required)');
        }
        lines.push('');
      } catch (err) { /* swallow */ }
    }

    // ── Estate ──────────────────────────────────────────────────────
    if (TB.estate && typeof TB.estate.computeJpInheritanceTax === 'function') {
      try {
        const tax = TB.estate.computeJpInheritanceTax();
        const heirs = TB.estate.deriveStatutoryHeirs();
        if (heirs.all_heirs.length > 0) {
          lines.push('## Estate Snapshot');
          lines.push('- Statutory heirs: ' + heirs.all_heirs.length +
            ' (priority class: ' + (heirs.rank === 1 ? 'descendants' :
              heirs.rank === 2 ? 'ascendants' : heirs.rank === 3 ? 'siblings' : 'spouse only') + ')');
          if (tax.net_tax > 0) {
            lines.push('- Projected JP 相続税: ¥' + Math.round(tax.net_tax).toLocaleString() +
              ' (after spouse credit ¥' + Math.round(tax.spouse_credit).toLocaleString() + ')');
          } else {
            lines.push('- Projected JP 相続税: ¥0 (below taxable threshold)');
          }
          lines.push('');
        }
      } catch (err) { /* swallow */ }
    }

    // ── Document Vault: counts only (not contents) ─────────────────
    const vault = TB.state.get('documentVault.items') || [];
    if (vault.length > 0) {
      const byCat = {};
      vault.forEach((v) => { byCat[v.category] = (byCat[v.category] || 0) + 1; });
      lines.push('## Document Vault');
      lines.push('- ' + vault.length + ' items across ' + Object.keys(byCat).length + ' categories');
      Object.entries(byCat).forEach(([cat, n]) => {
        lines.push('  - ' + cat + ': ' + n);
      });
      lines.push('');
    }

    // ── Projections summary ────────────────────────────────────────
    const proj = TB.state.get('projections.inputs') || {};
    if (proj.current_age) {
      lines.push('## Projection Inputs');
      lines.push('- Age: ' + proj.current_age + ', planned retirement: ' + proj.retire_age);
      if (proj.base_salary_usd) lines.push('- Base salary: $' + proj.base_salary_usd.toLocaleString());
      if (proj.ss_start_age) lines.push('- SS start: age ' + proj.ss_start_age +
        (proj.ss_monthly_at_70_usd ? ' ($' + proj.ss_monthly_at_70_usd + '/mo at 70)' : ''));
      const ladderCount = (proj.roth_conversions || []).length;
      if (ladderCount > 0) lines.push('- Roth conversion ladder: ' + ladderCount + ' planned conversions');
      lines.push('');
    }

    // ── Health Tracker — comprehensive snapshot (v0.57) ────────────
    const ht = TB.state.get('health_tracker') || {};
    if (ht.exams || ht.medications || ht.dental || ht.insurance_summary) {
      lines.push('## Health Tracker');

      // Recent exams (last 3) — date, type, provider, key facts
      const exams = (ht.exams || []).slice().sort((a, b) => (b.date || '').localeCompare(a.date || '')).slice(0, 3);
      if (exams.length > 0) {
        lines.push('### Recent exams');
        for (const e of exams) {
          const bits = [e.date || '?', e.type || 'exam'];
          if (e.provider) bits.push(e.provider);
          if (e.facility && e.facility !== e.provider) bits.push(e.facility);
          const flaggedLabs = (e.lab_results || []).filter((lr) =>
            lr.flag === 'high' || lr.flag === 'low' || lr.flag === 'critical');
          if (flaggedLabs.length > 0) {
            bits.push(flaggedLabs.length + ' flagged labs');
          }
          if ((e.diagnoses || []).length > 0) {
            bits.push('Dx: ' + e.diagnoses.slice(0, 3).join(', '));
          }
          lines.push('- ' + bits.join(' · '));
        }
        lines.push('');
      }

      // Active medications
      const activeMeds = (ht.medications || []).filter((m) => !m.ended_date);
      if (activeMeds.length > 0) {
        lines.push('### Active medications (' + activeMeds.length + ')');
        for (const m of activeMeds.slice(0, 10)) {
          lines.push('- ' + (m.name || '?') +
            (m.dosage != null ? ' · ' + m.dosage + (m.dosage_unit || '') : '') +
            (m.frequency ? ' · ' + m.frequency : '') +
            (m.purpose ? ' (for ' + m.purpose + ')' : '') +
            (m.next_refill_date ? ' · refill ' + m.next_refill_date : ''));
        }
        if (activeMeds.length > 10) lines.push('- … +' + (activeMeds.length - 10) + ' more');
        lines.push('');
      }

      // Care plan — concerns + screenings due
      const cp = ht.care_plan || {};
      if ((cp.primary_concerns || []).length > 0) {
        lines.push('### Primary health concerns');
        for (const c of cp.primary_concerns.slice(0, 8)) {
          if (c && c.text) lines.push('- ' + c.text);
        }
        lines.push('');
      }
      // Screenings overdue (uses computeScreeningsDue if available)
      if (TB.healthTracker && typeof TB.healthTracker.computeScreeningsDue === 'function') {
        try {
          const screenings = TB.healthTracker.computeScreeningsDue();
          const overdue = screenings.filter((s) => s.status === 'critical' || s.status === 'due');
          if (overdue.length > 0) {
            lines.push('### Preventive screenings overdue');
            for (const s of overdue.slice(0, 6)) {
              lines.push('- ' + s.label_en + ' · last ' + (s.last_done || 'never') + ' · ' + s.status);
            }
            lines.push('');
          }
        } catch (_) {}
      }

      // Insurance — per-card benefits summary
      const cards = (ht.insurance_summary && ht.insurance_summary.cards) || [];
      if (cards.length > 0) {
        lines.push('### Insurance cards (' + cards.length + ')');
        for (const c of cards) {
          const head = [c.insurer || '?', c.plan_name].filter(Boolean).join(' — ');
          lines.push('- ' + head + ' · ' + (c.card_type || 'medical') +
            (c.network_type ? ' · ' + c.network_type : '') +
            (c.expiry_date ? ' · expires ' + c.expiry_date : ''));
          const b = c.benefits || {};
          if (b.deductible_individual != null || b.oop_max_individual != null) {
            const ded = b.deductible_individual != null
              ? 'Ded ' + (b.currency === 'JPY' ? '¥' : '$') + b.deductible_individual.toLocaleString() : null;
            const oop = b.oop_max_individual != null
              ? 'OOP ' + (b.currency === 'JPY' ? '¥' : '$') + b.oop_max_individual.toLocaleString() : null;
            lines.push('  Benefits: ' + [ded, oop].filter(Boolean).join(' · ') +
              (b.referral_required === false ? ' · no referral' : b.referral_required === true ? ' · referral required' : ''));
          }
          if (b.rx_coverage) lines.push('  Rx: ' + b.rx_coverage);
        }
        lines.push('');
      }

      // Dental — providers, perio stats, latest cleaning
      const dent = ht.dental || {};
      if ((dent.providers && dent.providers.length > 0) || dent.last_cleaning || (dent.notes_log && dent.notes_log.length > 0)) {
        lines.push('### Dental');
        if (dent.last_cleaning) lines.push('- Last cleaning: ' + dent.last_cleaning);
        if (dent.periodontal) {
          const p = dent.periodontal;
          const perioBits = [];
          if (p.pockets_4mm_pct != null) perioBits.push('Pockets 4mm+: ' + p.pockets_4mm_pct + '%');
          if (p.bleeding_on_probing_pct != null) perioBits.push('BoP: ' + p.bleeding_on_probing_pct + '%');
          if (p.mobile_teeth != null) perioBits.push('Mobile: ' + p.mobile_teeth);
          if (perioBits.length > 0) lines.push('- Periodontal: ' + perioBits.join(' · '));
        }
        const dentProvs = (dent.providers || []).slice(0, 5);
        if (dentProvs.length > 0) {
          lines.push('- Providers: ' + dentProvs.map((p) => p.name_en || p.name_jp || '?').join(', '));
        }
        // Latest dental note action items still open
        const notes = dent.notes_log || [];
        const openItems = [];
        for (const n of notes) {
          if (n.status === 'complete') continue;
          for (const ai of (n.action_items || [])) {
            if (ai && ai.text && !ai.checked) openItems.push(ai.text);
          }
        }
        if (openItems.length > 0) {
          lines.push('- Open dental action items: ' + openItems.slice(0, 3).join('; ') +
            (openItems.length > 3 ? ' (+ ' + (openItems.length - 3) + ' more)' : ''));
        }
        lines.push('');
      }

      // Active care episodes
      const episodes = (ht.episodes || []).filter((e) => e.status !== 'completed' && e.status !== 'cancelled');
      if (episodes.length > 0) {
        lines.push('### Active care episodes');
        for (const ep of episodes.slice(0, 5)) {
          const bits = [ep.title || '?'];
          if (ep.specialty) bits.push(ep.specialty);
          if (ep.provider) bits.push(ep.provider);
          if (ep.started_date) bits.push('since ' + ep.started_date);
          lines.push('- ' + bits.join(' · '));
          if (ep.related_condition) lines.push('  Re: ' + ep.related_condition);
        }
        lines.push('');
      }

      // Total medical spend this year (invoices)
      const thisYear = String(new Date().getFullYear());
      const yearInvoices = (ht.invoices || []).filter((i) => i.date && i.date.startsWith(thisYear));
      if (yearInvoices.length > 0) {
        let totalUsd = 0, currencyHint = 'USD';
        for (const inv of yearInvoices) {
          if (typeof inv.amount_usd_calc === 'number' && isFinite(inv.amount_usd_calc)) {
            totalUsd += inv.amount_usd_calc;
          }
          if (inv.currency) currencyHint = inv.currency;
        }
        lines.push('### Medical spend ' + thisYear);
        lines.push('- ' + yearInvoices.length + ' invoices · ≈ $' + Math.round(totalUsd).toLocaleString() + ' USD equivalent');
        lines.push('');
      }
    }

    // ── Contacts summary (v0.57) — counts by category + key entries
    if (TB.contacts && typeof TB.contacts.getAllContacts === 'function') {
      try {
        const all = TB.contacts.getAllContacts();
        if (all.length > 0) {
          lines.push('## Contacts');
          // Count by category
          const byCat = {};
          for (const c of all) {
            byCat[c.category] = (byCat[c.category] || 0) + 1;
          }
          const catLabels = {
            emergency: 'Emergency', family: 'Family', medical: 'Medical',
            dental: 'Dental', insurance: 'Insurance', financial: 'Financial',
            military_va: 'Military/VA', us_government: 'US Gov',
            japan_government: 'JP Gov', professional: 'Professional', personal: 'Personal',
          };
          const catBits = Object.entries(byCat).map(([k, n]) => (catLabels[k] || k) + ': ' + n);
          lines.push('- ' + catBits.join(' · '));
          // Emergency contacts surfaced explicitly (high signal in
          // medical / urgent questions)
          const emergency = all.filter((c) => c.category === 'emergency' || c.is_emergency);
          if (emergency.length > 0) {
            lines.push('- Emergency contacts:');
            for (const c of emergency.slice(0, 5)) {
              lines.push('  - ' + c.name + (c.phone ? ' · ' + c.phone : '') + (c.type ? ' (' + c.type + ')' : ''));
            }
          }
          lines.push('');
        }
      } catch (_) {}
    }

    return lines.join('\n');
  }

  function computeAge(birth_date) {
    const b = new Date(birth_date + 'T00:00:00');
    if (isNaN(b.getTime())) return '?';
    const now = new Date();
    let age = now.getFullYear() - b.getFullYear();
    const md = now.getMonth() - b.getMonth();
    if (md < 0 || (md === 0 && now.getDate() < b.getDate())) age--;
    return age;
  }

  // ====================================================================
  // Suggested questions — surfaces in "How to use" + as starter chips
  // ====================================================================

  // Returns context-aware suggested prompts. The list adapts: if user
  // has a JP spouse, surface MFJ vs MFS questions; if PFIC detected,
  // surface remediation questions; etc.
  function buildSuggestedQuestions() {
    const a = TB.state.get('onboarding.answers') || {};
    const fam = Array.isArray(a.family) ? a.family : [a.family].filter(Boolean);
    const tracks = TB.state.get('tracks') || [];
    const out = [];

    // Universal starters
    out.push({
      en: 'What should I do this month?',
      jp: '今月、私は何をすべきですか?',
      cat: 'getting_started',
    });
    out.push({
      en: 'Summarize my financial situation in 5 bullets.',
      jp: '私の財務状況を 5 つの箇条書きで要約してください。',
      cat: 'getting_started',
    });

    // Tax-related (always relevant for US persons)
    out.push({
      en: 'Which tax forms do I actually need to file this year?',
      jp: '今年、私が実際に提出する必要のある税務フォームは?',
      cat: 'tax',
    });
    if (tracks.indexOf('resident') !== -1 || a.tax_status === 'japan_resident') {
      out.push({
        en: 'Should I elect FEIE or FTC for my US 1040?',
        jp: '米国 1040 で FEIE と FTC のどちらを選ぶべきですか?',
        cat: 'tax',
      });
    }

    // Family-specific
    if (fam.indexOf('jp_spouse') !== -1) {
      out.push({
        en: 'My spouse is Japanese — should I make the §6013(g) election to file MFJ?',
        jp: '配偶者が日本人 — MFJ で申告するため §6013(g) を選択すべきですか?',
        cat: 'family',
      });
    }
    if (fam.indexOf('dual_children') !== -1) {
      out.push({
        en: 'When does each of my dual-citizen children need to make 国籍選択?',
        jp: '各二重国籍の子は、いつ国籍選択を行う必要がありますか?',
        cat: 'family',
      });
      out.push({
        en: 'How does US citizenship transmit to my future grandchildren?',
        jp: '米国市民権は将来の孫にどのように継承されますか?',
        cat: 'family',
      });
    }
    if (fam.indexOf('us_children') !== -1 || fam.indexOf('jp_children') !== -1 ||
        fam.indexOf('dual_children') !== -1) {
      out.push({
        en: 'Should I open a 529 plan or use 学資保険 for my kids?',
        jp: '子供のために 529 プランと 学資保険 のどちらを使うべきですか?',
        cat: 'family',
      });
    }

    // PFIC
    if (TB.taxCoord && typeof TB.taxCoord.buildContext === 'function') {
      try {
        const ctx = TB.taxCoord.buildContext();
        if (ctx.has_pfic === true) {
          out.push({
            en: 'PFIC was detected in my Assets — what are my mitigation options?',
            jp: 'Asset で PFIC が検出されました — 緩和策の選択肢は?',
            cat: 'tax',
          });
        }
      } catch (err) { /* swallow */ }
    }

    // Estate-related
    if (tracks.indexOf('resident') !== -1 || a.years_in_japan === '5_to_10' ||
        a.years_in_japan === 'over_10') {
      out.push({
        en: 'How much would my heirs owe in JP 相続税 if I died this year?',
        jp: '今年私が亡くなったら、相続人は日本相続税をいくら支払うことになりますか?',
        cat: 'estate',
      });
      out.push({
        en: 'What\'s the 10-year worldwide-asset clock and how does it affect me?',
        jp: '10 年全世界資産時計とは何で、私にどう影響しますか?',
        cat: 'estate',
      });
    }
    if (fam.indexOf('us_spouse') !== -1 || fam.indexOf('jp_spouse') !== -1) {
      out.push({
        en: 'How should I balance the 配偶者控除 against 二次相続 risk?',
        jp: '配偶者控除 と 二次相続 リスクのバランスはどう取るべきですか?',
        cat: 'estate',
      });
    }

    // Renunciation
    const renun = TB.state.get('family.renunciation') || {};
    if (renun.contemplating) {
      out.push({
        en: 'Walk me through my renunciation timeline and exit-tax exposure.',
        jp: '放棄スケジュールと出国税の影響を順を追って説明してください。',
        cat: 'estate',
      });
    }

    // Veteran-related
    if (a.veteran && a.veteran !== 'no') {
      out.push({
        en: 'Which VA benefits actually work for me in Japan?',
        jp: '日本で実際に利用できる VA 給付は何ですか?',
        cat: 'veteran',
      });
    }

    // Roth/projections
    if (tracks.indexOf('sofa') !== -1) {
      out.push({
        en: 'When\'s the optimal window for Roth conversions before I register 住民票?',
        jp: '住民票登録前の Roth 転換の最適タイミングは?',
        cat: 'projections',
      });
    }

    // Cross-cutting
    out.push({
      en: 'Are there any deadlines I\'m about to miss?',
      jp: 'もうすぐ期限切れの項目はありますか?',
      cat: 'getting_started',
    });
    out.push({
      en: 'Where do I have potential gaps in my financial setup?',
      jp: '私の財務設計に潜在的なギャップはどこにありますか?',
      cat: 'getting_started',
    });

    return out;
  }

  // ====================================================================
  // State accessors
  // ====================================================================

  function getAssistantState() { return TB.state.get('ai_assistant') || {}; }
  function getConversations() { return getAssistantState().conversations || []; }
  function getActiveId() { return getAssistantState().active_conversation_id; }
  function getActiveConversation() {
    const id = getActiveId();
    if (!id) return null;
    return getConversations().find((c) => c.id === id) || null;
  }

  function setConversations(arr) {
    const s = getAssistantState();
    s.conversations = arr;
    TB.state.set('ai_assistant', s);
  }
  function setActiveId(id) {
    const s = getAssistantState();
    s.active_conversation_id = id;
    TB.state.set('ai_assistant', s);
  }

  function newConversation() {
    const conv = {
      id: 'conv-' + Date.now().toString(36) + '-' + Math.random().toString(36).slice(2, 6),
      title: '(new conversation)',
      created_at: new Date().toISOString(),
      updated_at: new Date().toISOString(),
      messages: [],
    };
    const arr = getConversations();
    arr.unshift(conv);  // newest first
    setConversations(arr);
    setActiveId(conv.id);
    return conv;
  }

  function deleteConversation(id) {
    const arr = getConversations().filter((c) => c.id !== id);
    setConversations(arr);
    if (getActiveId() === id) {
      setActiveId(arr.length > 0 ? arr[0].id : null);
    }
  }

  function appendMessage(convId, role, content) {
    const arr = getConversations();
    const conv = arr.find((c) => c.id === convId);
    if (!conv) return;
    conv.messages.push({ role, content, ts: new Date().toISOString() });
    conv.updated_at = new Date().toISOString();
    // Auto-title from first user message (truncate to 60 chars)
    if (role === 'user' && (conv.title === '(new conversation)' || !conv.title)) {
      const oneLine = content.split('\n')[0].trim();
      conv.title = oneLine.length > 60 ? oneLine.slice(0, 57) + '…' : oneLine;
    }
    setConversations(arr);
  }

  // ====================================================================
  // Send a message — assemble request, call API, append response
  // ====================================================================

  async function sendMessage(userText) {
    if (!userText || !userText.trim()) return;
    if (!TB.ai.hasKey()) {
      throw new Error('No API key. Add your Claude key in Settings to use Ask Taigan.');
    }

    let conv = getActiveConversation();
    if (!conv) conv = newConversation();
    appendMessage(conv.id, 'user', userText);

    // Build the messages array for Claude. Convert our stored messages
    // into the API format. The state digest is sent as a SYSTEM message
    // separate from the base prompt so the model treats it as context
    // rather than as part of its persona.
    const digest = buildStateDigest();
    const apiMessages = (getActiveConversation().messages || []).map((m) => ({
      role: m.role,
      content: m.content,
    }));

    const systemCombined = SYSTEM_PROMPT_BASE +
      '\n\n---\n\n# CURRENT USER STATE (treat as factual context):\n\n' + digest;

    const json = await TB.ai.callClaude(null, {
      live: true,
      system: systemCombined,
      messages: apiMessages,
      maxTokens: 2048,
      temperature: 0.6,
      feature: 'ask_taigan',
    });

    let assistantText = '';
    if (json && json.content && Array.isArray(json.content)) {
      assistantText = json.content
        .filter((b) => b && b.type === 'text')
        .map((b) => b.text || '')
        .join('\n')
        .trim();
    }
    if (!assistantText) assistantText = '(no response)';

    appendMessage(conv.id, 'assistant', assistantText);
    return assistantText;
  }

  // ====================================================================
  // Module render
  // ====================================================================

  let host = null;

  function render(container) {
    host = container;
    container.innerHTML = '';
    container.appendChild(buildHeaderCard());
    container.appendChild(buildHowToUseCard());
    container.appendChild(buildConversationsCard());
    container.appendChild(buildChatCard());
    container.appendChild(buildPrivacyCard());
  }

  function rerender() { if (host) render(host); }

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    return el('div', { class: 'tb-card', 'data-track': 'ai' },
      el('h1', null, '💬 ' + t('ask.title')),
      el('p', { class: 'tb-card-meta' }, t('ask.subtitle')),
      !TB.ai.hasKey() ? el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-warn)',
          background: 'rgba(185,122,26,0.06)',
          borderRadius: 'var(--tb-radius-1)',
          marginTop: 'var(--tb-sp-2)',
          fontSize: 'var(--tb-fs-14)',
        },
      },
        '⚠ ' + t('ask.no_key_warning'),
        ' ',
        el('a', {
          href: '#', style: { color: 'var(--tb-navy)' },
          onclick: (e) => {
            e.preventDefault();
            document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'settings' } }));
          },
        }, t('ask.go_to_settings') + ' →'),
      ) : null,
    );
  }

  function buildHowToUseCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const card = el('div', { class: 'tb-card', 'data-track': 'ai' });
    const details = el('details', { open: true });  // open by default
    details.appendChild(el('summary', { style: { cursor: 'pointer', fontWeight: '600' } },
      '📖 ' + t('ask.how_to_use')));

    details.appendChild(el('p', { class: 'tb-card-meta' }, t('ask.how_intro')));

    // Three columns: What it knows / What to ask / What it can't do
    const grid = el('div', {
      style: {
        display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(220px, 1fr))',
        gap: 'var(--tb-sp-3)', marginTop: 'var(--tb-sp-2)',
      },
    });
    function tile(emoji, title, body) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-2)', border: '1px solid var(--tb-border)',
        },
      },
        el('div', { style: { fontWeight: '700', marginBottom: '6px' } }, emoji + ' ' + title),
        el('div', { style: { fontSize: 'var(--tb-fs-12)' } }, body),
      );
    }
    grid.appendChild(tile('🧠', t('ask.what_knows.title'), t('ask.what_knows.body')));
    grid.appendChild(tile('❓', t('ask.what_ask.title'), t('ask.what_ask.body')));
    grid.appendChild(tile('🚫', t('ask.what_cant.title'), t('ask.what_cant.body')));
    details.appendChild(grid);

    // Suggested question chips — clickable to populate input
    const suggestions = buildSuggestedQuestions();
    if (suggestions.length > 0) {
      details.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-4)', marginBottom: 'var(--tb-sp-2)' } },
        t('ask.suggested_label')));
      const chips = el('div', {
        style: { display: 'flex', flexWrap: 'wrap', gap: '6px' },
      });
      suggestions.forEach((s) => {
        const text = lang === 'ja' ? s.jp : s.en;
        chips.appendChild(el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: {
            padding: '4px 10px', fontSize: 'var(--tb-fs-12)',
            border: '1px solid var(--tb-border)', borderRadius: 'var(--tb-radius-pill)',
            cursor: 'pointer', textAlign: 'left',
          },
          onclick: () => {
            // Populate the chat input + scroll
            const input = document.getElementById('ask-taigan-input');
            if (input) {
              input.value = text;
              input.focus();
              input.scrollIntoView({ behavior: 'smooth', block: 'center' });
            }
          },
        }, text));
      });
      details.appendChild(chips);
    }

    card.appendChild(details);
    return card;
  }

  function buildConversationsCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const conversations = getConversations();
    const activeId = getActiveId();
    if (conversations.length === 0) return el('div', { style: { display: 'none' } });

    const card = el('div', { class: 'tb-card', 'data-track': 'ai' });
    const wrap = el('div', {
      style: { display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
        flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
    });
    wrap.appendChild(el('div', null,
      el('div', { style: { fontWeight: '600' } }, '🗂 ' + t('ask.conversations')),
      el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
        conversations.length + ' ' + t('ask.conversations_count')),
    ));
    wrap.appendChild(el('button', {
      class: 'tb-btn', type: 'button',
      style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
      onclick: () => { newConversation(); rerender(); },
    }, '＋ ' + t('ask.new_conversation')));
    card.appendChild(wrap);

    // List (collapsible)
    const details = el('details', { style: { marginTop: 'var(--tb-sp-2)' } });
    details.appendChild(el('summary', { style: { cursor: 'pointer', fontSize: 'var(--tb-fs-12)' } },
      t('ask.show_all')));
    const list = el('div', {
      style: { display: 'flex', flexDirection: 'column', gap: '4px', marginTop: 'var(--tb-sp-2)' },
    });
    conversations.forEach((c) => {
      const isActive = c.id === activeId;
      const row = el('div', {
        style: {
          display: 'flex', alignItems: 'center', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: isActive ? 'var(--tb-bg-elev)' : 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)',
          borderLeft: '3px solid ' + (isActive ? 'var(--tb-navy)' : 'var(--tb-border)'),
          gap: 'var(--tb-sp-2)',
        },
      });
      row.appendChild(el('button', {
        type: 'button',
        style: {
          flex: 1, textAlign: 'left', background: 'transparent', border: '0',
          cursor: 'pointer', font: 'inherit', color: 'var(--tb-text)',
        },
        onclick: () => { setActiveId(c.id); rerender(); },
      },
        el('div', { style: { fontWeight: isActive ? '600' : '400' } }, c.title || '(untitled)'),
        el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
          (c.messages || []).length + ' ' + t('ask.messages') + ' · ' +
          new Date(c.updated_at).toLocaleDateString()),
      ));
      row.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '2px 8px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => {
          if (confirm(t('ask.confirm_delete'))) { deleteConversation(c.id); rerender(); }
        },
      }, '🗑'));
      list.appendChild(row);
    });
    details.appendChild(list);
    card.appendChild(details);
    return card;
  }

  function buildChatCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const conv = getActiveConversation();

    const card = el('div', { class: 'tb-card', 'data-track': 'ai' });

    // Message list
    const list = el('div', {
      style: {
        display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)',
        minHeight: '120px', maxHeight: '60vh', overflowY: 'auto',
        padding: 'var(--tb-sp-2)', background: 'var(--tb-bg)',
        borderRadius: 'var(--tb-radius-2)',
      },
    });
    if (!conv || conv.messages.length === 0) {
      list.appendChild(el('div', {
        style: { color: 'var(--tb-text-soft)', fontStyle: 'italic',
          textAlign: 'center', padding: 'var(--tb-sp-4)' },
      }, t('ask.start_chatting')));
    } else {
      conv.messages.forEach((m) => list.appendChild(buildMessageBubble(m)));
    }
    card.appendChild(list);

    // Input
    const inputWrap = el('div', {
      style: { display: 'flex', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-3)',
        alignItems: 'flex-end' },
    });
    const ta = el('textarea', {
      id: 'ask-taigan-input',
      class: 'tb-input',
      placeholder: t('ask.input_placeholder'),
      rows: 3,
      style: { flex: 1, resize: 'vertical' },
      onkeydown: (e) => {
        // Cmd/Ctrl+Enter to send
        if ((e.metaKey || e.ctrlKey) && e.key === 'Enter') {
          e.preventDefault();
          handleSend();
        }
      },
    });
    // If the active conversation was opened via openWithContext(),
    // pre-fill the textarea with the seeded prompt. Clear it on the
    // conversation so subsequent renders don't re-fill after the user
    // edits and sends.
    (function applyPendingPrompt() {
      const conv = getActiveConversation();
      if (conv && conv.pending_prompt) {
        ta.value = conv.pending_prompt;
        conv.pending_prompt = null;
        setConversations(getConversations().map((c) => c.id === conv.id ? conv : c));
        // Move cursor to end + focus after the layout settles.
        requestAnimationFrame(() => {
          ta.focus();
          ta.setSelectionRange(ta.value.length, ta.value.length);
        });
      }
    })();
    const sendBtn = el('button', {
      class: 'tb-btn',
      type: 'button',
      onclick: handleSend,
    }, t('ask.send'));
    inputWrap.appendChild(ta);
    inputWrap.appendChild(sendBtn);
    card.appendChild(inputWrap);

    // Hint
    card.appendChild(el('div', {
      class: 'tb-field-help',
      style: { marginTop: 'var(--tb-sp-2)' },
    }, t('ask.send_hint')));

    function handleSend() {
      const text = ta.value.trim();
      if (!text) return;
      if (!TB.ai.hasKey()) {
        alert(t('ask.no_key_alert'));
        return;
      }
      // Disable + show pending state
      ta.value = '';
      ta.disabled = true;
      sendBtn.disabled = true;
      sendBtn.textContent = '...';

      // Append user msg immediately for snappy UI
      list.appendChild(buildMessageBubble({ role: 'user', content: text, ts: new Date().toISOString() }));
      const pending = el('div', {
        style: { color: 'var(--tb-text-soft)', fontStyle: 'italic',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)' },
      }, '🥷 ' + t('ask.thinking'));
      list.appendChild(pending);
      list.scrollTop = list.scrollHeight;

      sendMessage(text)
        .then(() => {
          ta.disabled = false;
          sendBtn.disabled = false;
          sendBtn.textContent = t('ask.send');
          ta.focus();
          rerender();
        })
        .catch((err) => {
          ta.disabled = false;
          sendBtn.disabled = false;
          sendBtn.textContent = t('ask.send');
          pending.textContent = '⚠ ' + (err && err.message ? err.message : 'Request failed');
          pending.style.color = 'var(--tb-error)';
          console.error('[ask-taigan] send error:', err);
        });
    }

    return card;
  }

  // Message bubble. Parses [Module Name](#module-id) markdown links and
  // turns them into in-app navigation. Other markdown rendering is
  // intentionally minimal (line breaks, basic emphasis) — full
  // markdown isn't worth the dependency for chat-style content.
  function buildMessageBubble(msg) {
    const el = TB.utils.el;
    const isUser = msg.role === 'user';
    const wrap = el('div', {
      style: {
        display: 'flex',
        justifyContent: isUser ? 'flex-end' : 'flex-start',
      },
    });
    const bubble = el('div', {
      style: {
        maxWidth: '85%',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: isUser ? 'var(--tb-navy)' : 'var(--tb-bg-elev)',
        color: isUser ? '#fff' : 'var(--tb-text)',
        borderRadius: 'var(--tb-radius-2)',
        whiteSpace: 'pre-wrap',
        fontSize: 'var(--tb-fs-14)',
        lineHeight: 'var(--tb-lh-body)',
      },
    });

    if (isUser) {
      bubble.textContent = msg.content;
    } else {
      // Parse and render assistant content: handle [text](#module-id)
      // module nav links inline; preserve other text as-is.
      const text = msg.content || '';
      const parts = parseModuleLinks(text);
      parts.forEach((p) => {
        if (p.type === 'text') {
          bubble.appendChild(document.createTextNode(p.text));
        } else if (p.type === 'link') {
          bubble.appendChild(el('a', {
            href: '#',
            style: { color: 'inherit', textDecoration: 'underline' },
            onclick: (e) => {
              e.preventDefault();
              document.dispatchEvent(new CustomEvent('tb:navigate', {
                detail: { view: p.target },
              }));
            },
          }, p.text));
        }
      });
    }
    wrap.appendChild(bubble);
    return wrap;
  }

  // Tiny inline-link parser for [Text](#module-id). Returns an array of
  // segments: { type: 'text', text } or { type: 'link', text, target }.
  function parseModuleLinks(s) {
    const out = [];
    const re = /\[([^\]]+)\]\(#([\w-]+)\)/g;
    let last = 0;
    let m;
    while ((m = re.exec(s)) !== null) {
      if (m.index > last) {
        out.push({ type: 'text', text: s.slice(last, m.index) });
      }
      out.push({ type: 'link', text: m[1], target: m[2] });
      last = re.lastIndex;
    }
    if (last < s.length) out.push({ type: 'text', text: s.slice(last) });
    return out;
  }

  function buildPrivacyCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'ai' });
    const details = el('details', null);
    details.appendChild(el('summary', { style: { cursor: 'pointer', fontWeight: '600' } },
      '🔒 ' + t('ask.privacy_title')));
    details.appendChild(el('p', { style: { marginTop: 'var(--tb-sp-2)' } },
      t('ask.privacy_body')));
    const ul = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-2)' } });
    ['ask.privacy.point1', 'ask.privacy.point2', 'ask.privacy.point3', 'ask.privacy.point4']
      .forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '4px' } }, t(k))));
    details.appendChild(ul);
    card.appendChild(details);
    return card;
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id, label_en: 'Ask Taigan', label_jp: 'タイガンに聞く', render,
  };

  // Open the Ask Taigan module with a pre-filled prompt seeded from
  // another module's context (e.g., "ask about this specific asset
  // account", "ask about FBAR aggregation"). Starts a fresh conversation
  // titled after the context label so the chat history shows what
  // was asked about. The user can edit the seeded prompt before sending.
  //
  // ctx shape:
  //   feature   — 'ask_taigan' (consent attribution; defaults to that)
  //   label_en  — short context label for the conversation title
  //   label_jp  — Japanese equivalent
  //   prompt_en — full pre-filled prompt (English)
  //   prompt_jp — full pre-filled prompt (Japanese)
  //
  // Honors the AI consent gate: blocks via friendly alert when posture
  // === 'off' or per-feature deny. Per-call posture lets the user
  // confirm at send time.
  function openWithContext(ctx) {
    ctx = ctx || {};
    const lang = TB.i18n.getLang();
    // Consent fast-path: surface a friendly message if blocked rather
    // than failing silently when the user clicks Send.
    if (TB.ai && typeof TB.ai.isFeatureAllowed === 'function') {
      const ok = TB.ai.isFeatureAllowed(ctx.feature || 'ask_taigan');
      if (ok === false) {
        const msg = TB.i18n.t('ask.context.blocked');
        alert(msg);
        document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'settings' } }));
        return;
      }
    }
    // Start a fresh conversation with a context-aware title.
    const conv = newConversation();
    conv.title = (lang === 'ja' ? '質問: ' : 'About: ') + (lang === 'ja' ? (ctx.label_jp || ctx.label_en || '') : (ctx.label_en || ''));
    const arr = getConversations();
    const idx = arr.findIndex((c) => c.id === conv.id);
    if (idx >= 0) { arr[idx] = conv; setConversations(arr); }
    // Stash the seed prompt on the conversation so the render() in
    // Ask Taigan picks it up and pre-fills the input box.
    conv.pending_prompt = lang === 'ja' ? (ctx.prompt_jp || ctx.prompt_en || '') : (ctx.prompt_en || '');
    setConversations(getConversations().map((c) => c.id === conv.id ? conv : c));
    // Navigate to Ask Taigan.
    document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'ask-taigan' } }));
  }

  window.TB.askTaigan = {
    buildStateDigest,
    buildSuggestedQuestions,
    sendMessage,
    newConversation,
    openWithContext,
  };
})();

</script>
  <script data-source="scripts/modules/net-worth.js">
/* Taigan Bridge — modules/net-worth.js
 *
 * Net Worth & Reports — the temporal layer over Assets.
 *
 * The tool already shows the FUTURE (Projections) and the PRESENT
 * (every other module). This module gives users a sense of the PAST:
 *
 *   1. Snapshot history — frozen-in-time copies of all asset balances,
 *      stored in assets.snapshots[]. Created manually OR auto-triggered
 *      (post-FBAR upload, year-end reminder).
 *
 *   2. Net worth chart — vanilla SVG line chart over time, with
 *      USD/JPY toggle. Historical JPY values use the FX rate captured
 *      at snapshot time (more meaningful than re-converting at current
 *      rate).
 *
 *   3. Year-over-year comparison — table showing growth/decline by
 *      period, allocation drift, savings-rate proxy.
 *
 *   4. Annual review wizard — guided 7-step flow asking "anything
 *      change?" through each module. Logs the review.
 *
 *   5. Annual report generator — Markdown export bundling tax package
 *      summary + asset summary + survivor binder + LoI + projection
 *      state into one shareable document. Extends the Letter-of-
 *      Instruction pattern.
 *
 * State lives in net_worth.preferences / .reviews / .annual_reports.
 * Snapshots themselves live in assets.snapshots[] (canonical source).
 */

(function () {
  'use strict';

  const id = 'net-worth';

  // ====================================================================
  // State accessors
  // ====================================================================

  function getNw()       { return TB.state.get('net_worth') || {}; }
  function getPrefs()    { return getNw().preferences || {}; }
  function getReviews()  { return getNw().reviews || []; }
  function getReports()  { return getNw().annual_reports || []; }

  function setPrefs(value) {
    const nw = getNw();
    nw.preferences = value;
    TB.state.set('net_worth', nw);
  }
  function setReviews(arr) {
    const nw = getNw();
    nw.reviews = arr;
    TB.state.set('net_worth', nw);
  }
  function setReports(arr) {
    const nw = getNw();
    nw.annual_reports = arr;
    TB.state.set('net_worth', nw);
  }

  function getSnapshots() {
    return TB.state.get('assets.snapshots') || [];
  }

  // ====================================================================
  // Snapshot helpers (delegated to Assets module)
  // ====================================================================

  function takeSnapshot(label) {
    if (!TB.assets || typeof TB.assets.takeSnapshot !== 'function') return null;
    return TB.assets.takeSnapshot(label);
  }
  function deleteSnapshot(snapshotId) {
    if (!TB.assets || typeof TB.assets.deleteSnapshot !== 'function') return;
    TB.assets.deleteSnapshot(snapshotId);
  }

  // Snapshot value in the user's chosen currency. For older snapshots
  // that pre-date our total_jpy capture, fall back to converting
  // total_usd at the current FX rate (less accurate but better than
  // missing data).
  function snapshotValue(snap, currency) {
    if (currency === 'jpy') {
      if (snap.total_jpy != null) return snap.total_jpy;
      if (snap.total_usd != null && TB.assets && typeof TB.assets.toUsd === 'function') {
        const oneUsdInJpy = 1 / TB.assets.toUsd(1, 'JPY');
        return snap.total_usd * oneUsdInJpy;
      }
    }
    return snap.total_usd || 0;
  }

  function fmtCurrency(value, currency) {
    if (currency === 'jpy') {
      return '¥' + Math.round(value || 0).toLocaleString();
    }
    return '$' + Math.round(value || 0).toLocaleString();
  }

  // Filter snapshots to the chosen time range.
  function filterByRange(snaps, range) {
    if (!range || range === 'all') return snaps.slice();
    const yearMap = { '1y': 1, '5y': 5, '10y': 10 };
    const yrs = yearMap[range];
    if (!yrs) return snaps.slice();
    const cutoff = new Date();
    cutoff.setFullYear(cutoff.getFullYear() - yrs);
    return snaps.filter((s) => new Date(s.taken_at) >= cutoff);
  }

  // ====================================================================
  // Auto-snapshot triggers (called by other modules)
  // ====================================================================

  // Returns days since the most recent snapshot, or null if none.
  function daysSinceLastSnapshot() {
    const snaps = getSnapshots();
    if (snaps.length === 0) return null;
    const latest = snaps.reduce((m, s) =>
      Math.max(m, new Date(s.taken_at).getTime()), 0);
    return Math.floor((Date.now() - latest) / 86400000);
  }

  // ====================================================================
  // Module render
  // ====================================================================

  let host = null;
  let listenerSet = false;

  function hasSnapshots() { return getSnapshots().length > 0; }
  function hasMultipleSnapshots() { return getSnapshots().length >= 2; }

  const SECTIONS = [
    { id: 'header',    always: true, builder: () => buildHeaderCard() },
    { id: 'snapshot',  always: true, builder: () => buildSnapshotCard() },
    {
      id: 'chart',
      label_en: 'Net worth chart',
      label_jp: '純資産推移グラフ',
      description_en: 'Line chart of total net worth over time. Requires ≥2 snapshots.',
      description_jp: '純資産の推移を線グラフで表示。スナップショット 2 件以上が必要。',
      auto_show: hasMultipleSnapshots,
      builder: () => buildChartCard(),
    },
    {
      id: 'yoy',
      label_en: 'Year-over-year comparison',
      label_jp: '年次比較',
      description_en: 'Period-on-period growth, allocation drift, savings rate proxy.',
      description_jp: '期間別成長率・配分のドリフト・貯蓄率の概算。',
      auto_show: hasMultipleSnapshots,
      builder: () => buildYoYCard(),
    },
    {
      id: 'history_list',
      label_en: 'Snapshot history (full list)',
      label_jp: 'スナップショット履歴',
      description_en: 'All snapshots with delete button.',
      description_jp: 'すべてのスナップショットと削除ボタン。',
      auto_show: hasSnapshots,
      builder: () => buildHistoryListCard(),
    },
    {
      id: 'annual_review',
      label_en: 'Year-end checkup wizard',
      label_jp: '年末チェックアップ・ウィザード',
      description_en: '12-step guided flow that performs FX refresh, snapshot, PFIC scan, FBAR threshold check, and generates a year-end report.',
      description_jp: 'FX 更新・スナップショット・PFIC スキャン・FBAR 基準チェックを実行し、年末レポートを生成する 12 ステップガイド。',
      auto_show: () => true,
      builder: () => buildAnnualReviewCard(),
    },
    {
      id: 'annual_report',
      label_en: 'Annual report exporter',
      label_jp: '年次レポート出力',
      description_en: 'Markdown export bundling tax package + asset summary + estate state.',
      description_jp: '税務パッケージ・資産サマリー・相続状況を統合した Markdown 出力。',
      auto_show: () => true,
      builder: () => buildReportExportCard(),
    },
    {
      id: 'preferences',
      label_en: 'Preferences',
      label_jp: '設定',
      description_en: 'Chart currency, default time range, auto-snapshot triggers.',
      description_jp: 'グラフ通貨・既定期間・自動スナップショット発動条件。',
      auto_show: () => true,
      builder: () => buildPreferencesCard(),
    },
  ];

  function render(container) {
    host = container;
    if (!listenerSet) {
      TB.customize.onChange(id, () => rerender());
      listenerSet = true;
    }
    container.innerHTML = '';
    SECTIONS.forEach((s) => {
      if (s.always || TB.customize.isSectionEnabled(id, s.id, s.auto_show)) {
        container.appendChild(s.builder());
      }
    });
    container.appendChild(TB.customize.buildPanel(id, SECTIONS));
  }
  function rerender() { if (host) render(host); }

  // ─── Header ───────────────────────────────────────────────────────

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    return el('div', { class: 'tb-card', 'data-track': 'history' },
      el('div', { class: 'tb-card-meta' },
        el('span', { class: 'tb-badge tb-badge--track', 'data-track': 'history' },
          t('nw.badge')),
      ),
      el('h1', null, '📈 ' + t('nw.title')),
      el('p', { class: 'tb-card-meta' }, t('nw.subtitle')),
    );
  }

  // ─── Snapshot card (take snapshot + latest summary) ───────────────

  function buildSnapshotCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const snaps = getSnapshots();
    const latest = snaps.length > 0 ? snaps[snaps.length - 1] : null;
    const days = daysSinceLastSnapshot();
    const prefs = getPrefs();
    const currency = prefs.chart_currency || 'usd';

    const card = el('div', { class: 'tb-card', 'data-track': 'history' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '📸 ' + t('nw.section.snapshot')),
      el('button', { class: 'tb-btn', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openSnapshotModal() }, '＋ ' + t('nw.snapshot.take_now')),
    ));

    if (!latest) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('nw.snapshot.empty')));
      return card;
    }

    // Latest snapshot summary
    const tiles = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(160px, 1fr))', gap: 'var(--tb-sp-3)', marginTop: 'var(--tb-sp-2)' },
    });
    function tile(label, value, hint, color) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-2)', border: '1px solid var(--tb-border)',
          borderTop: '3px solid ' + (color || 'var(--tb-track-history)'),
        },
      },
        el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginBottom: '4px' } }, label),
        el('div', { style: { fontWeight: '700', fontSize: 'var(--tb-fs-22)', fontFamily: 'var(--tb-font-mono)' } }, value),
        hint ? el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginTop: '4px' } }, hint) : null,
      );
    }

    const latestVal = snapshotValue(latest, currency);
    tiles.appendChild(tile(
      t('nw.snapshot.latest_value'),
      fmtCurrency(latestVal, currency),
      latest.taken_at.slice(0, 10),
    ));

    // Previous snapshot delta
    if (snaps.length >= 2) {
      const prev = snaps[snaps.length - 2];
      const prevVal = snapshotValue(prev, currency);
      const delta = latestVal - prevVal;
      const pct = prevVal !== 0 ? (delta / prevVal) * 100 : 0;
      tiles.appendChild(tile(
        t('nw.snapshot.delta_from_prev'),
        (delta >= 0 ? '+' : '') + fmtCurrency(delta, currency),
        pct.toFixed(1) + '% · vs ' + prev.taken_at.slice(0, 10),
        delta >= 0 ? 'var(--tb-success)' : 'var(--tb-error)',
      ));
    }

    // Days since
    if (days != null) {
      const staleColor = days > 365 ? 'var(--tb-error)'
                       : days > 180 ? 'var(--tb-warn)'
                       : 'var(--tb-success)';
      tiles.appendChild(tile(
        t('nw.snapshot.days_since'),
        days + 'd',
        days > 90 ? t('nw.snapshot.consider_new') : null,
        staleColor,
      ));
    }

    // Snapshot count
    tiles.appendChild(tile(
      t('nw.snapshot.total_count'),
      String(snaps.length),
      snaps.length === 1 ? t('nw.snapshot.need_more_for_chart') : null,
    ));

    card.appendChild(tiles);
    return card;
  }

  function openSnapshotModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    let label = new Date().toISOString().slice(0, 10);

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('nw.snapshot.modal_title')));
    modal.appendChild(el('p', { class: 'tb-card-meta' }, t('nw.snapshot.modal_help')));

    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label' }, t('nw.snapshot.label')),
      el('input', { type: 'text', class: 'tb-input', value: label,
        oninput: (e) => { label = e.target.value; } }),
      el('div', { class: 'tb-field-help' }, t('nw.snapshot.label_help')),
    ));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('nw.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { takeSnapshot(label.trim() || undefined); close(); rerender(); } },
      '📸 ' + t('nw.snapshot.take')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Net worth chart ──────────────────────────────────────────────

  function buildChartCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const prefs = getPrefs();
    const currency = prefs.chart_currency || 'usd';
    const range = prefs.chart_range || 'all';

    const card = el('div', { class: 'tb-card', 'data-track': 'history' });

    // Header + currency / range toggles
    const header = el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' } });
    header.appendChild(el('h2', { style: { margin: 0 } }, '📊 ' + t('nw.section.chart')));
    const controls = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    controls.appendChild(el('select', {
      class: 'tb-select',
      style: { fontSize: 'var(--tb-fs-12)', padding: '4px 8px' },
      onchange: (e) => {
        const p = Object.assign({}, prefs);
        p.chart_currency = e.target.value;
        setPrefs(p);
        rerender();
      },
    },
      el('option', { value: 'usd', selected: currency === 'usd' }, 'USD'),
      el('option', { value: 'jpy', selected: currency === 'jpy' }, 'JPY'),
    ));
    controls.appendChild(el('select', {
      class: 'tb-select',
      style: { fontSize: 'var(--tb-fs-12)', padding: '4px 8px' },
      onchange: (e) => {
        const p = Object.assign({}, prefs);
        p.chart_range = e.target.value;
        setPrefs(p);
        rerender();
      },
    },
      el('option', { value: 'all', selected: range === 'all' }, t('nw.chart.range.all')),
      el('option', { value: '1y',  selected: range === '1y' },  '1y'),
      el('option', { value: '5y',  selected: range === '5y' },  '5y'),
      el('option', { value: '10y', selected: range === '10y' }, '10y'),
    ));
    header.appendChild(controls);
    card.appendChild(header);

    // Chart
    const snaps = filterByRange(getSnapshots(), range)
      .slice()
      .sort((a, b) => new Date(a.taken_at) - new Date(b.taken_at));
    if (snaps.length < 2) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('nw.chart.need_more')));
      return card;
    }
    card.appendChild(renderChart(snaps, currency));

    return card;
  }

  // SVG line chart. Width fills container; height fixed.
  function renderChart(snaps, currency) {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    const W = 760, H = 300;
    const PAD_L = 70, PAD_R = 20, PAD_T = 20, PAD_B = 50;
    const innerW = W - PAD_L - PAD_R;
    const innerH = H - PAD_T - PAD_B;

    const points = snaps.map((s) => ({
      ts: new Date(s.taken_at).getTime(),
      val: snapshotValue(s, currency),
      snap: s,
    }));
    const minTs = points[0].ts;
    const maxTs = points[points.length - 1].ts;
    const tsRange = Math.max(1, maxTs - minTs);

    const minVal = 0;  // start chart at zero for honesty
    const maxVal = Math.max(...points.map((p) => p.val)) * 1.1 || 1;

    function xFor(ts) { return PAD_L + ((ts - minTs) / tsRange) * innerW; }
    function yFor(v)  { return PAD_T + (1 - (v - minVal) / (maxVal - minVal)) * innerH; }

    // SVG container
    const svgNS = 'http://www.w3.org/2000/svg';
    const svg = document.createElementNS(svgNS, 'svg');
    svg.setAttribute('viewBox', '0 0 ' + W + ' ' + H);
    svg.setAttribute('preserveAspectRatio', 'xMidYMid meet');
    svg.setAttribute('style', 'width: 100%; height: auto; max-height: 320px; margin-top: var(--tb-sp-3);');

    function svgEl(name, attrs) {
      const e = document.createElementNS(svgNS, name);
      Object.keys(attrs || {}).forEach((k) => e.setAttribute(k, attrs[k]));
      return e;
    }

    // Background
    svg.appendChild(svgEl('rect', { x: 0, y: 0, width: W, height: H, fill: 'var(--tb-bg)' }));

    // Y-axis gridlines (5 lines)
    const ticks = 5;
    for (let i = 0; i <= ticks; i++) {
      const y = PAD_T + (i / ticks) * innerH;
      const v = maxVal - (i / ticks) * (maxVal - minVal);
      svg.appendChild(svgEl('line', {
        x1: PAD_L, y1: y, x2: W - PAD_R, y2: y,
        stroke: 'var(--tb-border)', 'stroke-width': '0.5', 'stroke-dasharray': '2,4',
      }));
      const label = svgEl('text', {
        x: PAD_L - 8, y: y + 4,
        'text-anchor': 'end', 'font-size': '10', fill: 'var(--tb-text-soft)',
        'font-family': 'var(--tb-font-mono)',
      });
      label.textContent = currency === 'jpy'
        ? '¥' + Math.round(v / 1_000_000).toLocaleString() + 'M'
        : '$' + Math.round(v / 1000).toLocaleString() + 'K';
      svg.appendChild(label);
    }

    // X-axis date labels (first, middle, last)
    [points[0], points[Math.floor(points.length / 2)], points[points.length - 1]]
      .forEach((p) => {
        const x = xFor(p.ts);
        const date = new Date(p.ts).toISOString().slice(0, 10);
        const label = svgEl('text', {
          x, y: H - PAD_B + 18,
          'text-anchor': 'middle', 'font-size': '10',
          fill: 'var(--tb-text-soft)', 'font-family': 'var(--tb-font-mono)',
        });
        label.textContent = date;
        svg.appendChild(label);
      });

    // Axis lines
    svg.appendChild(svgEl('line', {
      x1: PAD_L, y1: PAD_T, x2: PAD_L, y2: H - PAD_B,
      stroke: 'var(--tb-border)', 'stroke-width': '1',
    }));
    svg.appendChild(svgEl('line', {
      x1: PAD_L, y1: H - PAD_B, x2: W - PAD_R, y2: H - PAD_B,
      stroke: 'var(--tb-border)', 'stroke-width': '1',
    }));

    // Filled area under line (subtle)
    let areaPath = '';
    points.forEach((p, i) => {
      const x = xFor(p.ts), y = yFor(p.val);
      areaPath += (i === 0 ? 'M ' : 'L ') + x + ' ' + y + ' ';
    });
    areaPath += 'L ' + xFor(points[points.length - 1].ts) + ' ' + (H - PAD_B) + ' ';
    areaPath += 'L ' + xFor(points[0].ts) + ' ' + (H - PAD_B) + ' Z';
    svg.appendChild(svgEl('path', {
      d: areaPath, fill: 'var(--tb-track-history)', 'fill-opacity': '0.15',
    }));

    // Line
    let linePath = '';
    points.forEach((p, i) => {
      const x = xFor(p.ts), y = yFor(p.val);
      linePath += (i === 0 ? 'M ' : 'L ') + x + ' ' + y + ' ';
    });
    svg.appendChild(svgEl('path', {
      d: linePath, fill: 'none',
      stroke: 'var(--tb-track-history)', 'stroke-width': '2.5',
      'stroke-linejoin': 'round',
    }));

    // Data points + hover targets
    const tooltip = el('div', {
      style: {
        position: 'absolute', display: 'none',
        background: 'var(--tb-bg-elev)', border: '1px solid var(--tb-border)',
        borderRadius: 'var(--tb-radius-1)', padding: '6px 10px',
        fontSize: 'var(--tb-fs-12)', pointerEvents: 'none',
        boxShadow: 'var(--tb-shadow-2)', zIndex: '10',
        whiteSpace: 'nowrap',
      },
    });
    points.forEach((p) => {
      const x = xFor(p.ts), y = yFor(p.val);
      // Visible dot
      svg.appendChild(svgEl('circle', {
        cx: x, cy: y, r: '3.5',
        fill: 'var(--tb-track-history)',
        stroke: 'var(--tb-bg)', 'stroke-width': '2',
      }));
      // Larger invisible hover target
      const hoverDot = svgEl('circle', {
        cx: x, cy: y, r: '14', fill: 'transparent',
        style: 'cursor: pointer;',
      });
      hoverDot.addEventListener('mouseenter', (e) => {
        tooltip.style.display = 'block';
        tooltip.innerHTML = '';
        const dateText = document.createElement('div');
        dateText.textContent = p.snap.taken_at.slice(0, 10) +
          (p.snap.label !== p.snap.taken_at.slice(0, 10) ? ' · ' + p.snap.label : '');
        dateText.style.color = 'var(--tb-text-soft)';
        dateText.style.fontSize = '10px';
        const valText = document.createElement('div');
        valText.style.fontWeight = '700';
        valText.style.fontFamily = 'var(--tb-font-mono)';
        valText.textContent = fmtCurrency(p.val, currency);
        tooltip.appendChild(dateText);
        tooltip.appendChild(valText);
      });
      hoverDot.addEventListener('mousemove', (e) => {
        const rect = wrapper.getBoundingClientRect();
        tooltip.style.left = (e.clientX - rect.left + 12) + 'px';
        tooltip.style.top = (e.clientY - rect.top - 30) + 'px';
      });
      hoverDot.addEventListener('mouseleave', () => {
        tooltip.style.display = 'none';
      });
      svg.appendChild(hoverDot);
    });

    const wrapper = el('div', { style: { position: 'relative' } });
    wrapper.appendChild(svg);
    wrapper.appendChild(tooltip);
    return wrapper;
  }

  // ─── Year-over-year comparison ────────────────────────────────────

  function buildYoYCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const prefs = getPrefs();
    const currency = prefs.chart_currency || 'usd';
    const snaps = getSnapshots().slice().sort((a, b) => new Date(a.taken_at) - new Date(b.taken_at));

    const card = el('div', { class: 'tb-card', 'data-track': 'history' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🔀 ' + t('nw.section.yoy')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('nw.yoy.intro')));

    // Build period rows: Latest vs 90d ago, vs 1y ago, vs 5y ago.
    // Pick the snapshot closest (within ±60 days) to the target date.
    if (snaps.length < 2) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('nw.yoy.need_more')));
      return card;
    }
    const latest = snaps[snaps.length - 1];
    const latestVal = snapshotValue(latest, currency);
    const latestTs = new Date(latest.taken_at).getTime();

    const periods = [
      { id: '90d', label: t('nw.yoy.period.90d'), days: 90 },
      { id: '1y', label: t('nw.yoy.period.1y'), days: 365 },
      { id: '3y', label: t('nw.yoy.period.3y'), days: 365 * 3 },
      { id: '5y', label: t('nw.yoy.period.5y'), days: 365 * 5 },
    ];

    const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)' } });
    periods.forEach((p) => {
      const target = latestTs - p.days * 86400000;
      // Find closest snapshot within ±60 days
      let best = null;
      let bestDelta = Infinity;
      snaps.forEach((s) => {
        if (s === latest) return;
        const ts = new Date(s.taken_at).getTime();
        const delta = Math.abs(ts - target);
        if (delta < bestDelta && delta <= 60 * 86400000) {
          best = s;
          bestDelta = delta;
        }
      });
      if (!best) return;
      const baseVal = snapshotValue(best, currency);
      const change = latestVal - baseVal;
      const pct = baseVal !== 0 ? (change / baseVal) * 100 : 0;
      const annualizedYears = (latestTs - new Date(best.taken_at).getTime()) / (365.25 * 86400000);
      const cagr = baseVal > 0 && annualizedYears > 0
        ? (Math.pow(latestVal / baseVal, 1 / annualizedYears) - 1) * 100
        : 0;
      list.appendChild(el('div', {
        style: {
          display: 'grid', gridTemplateColumns: '1fr 1fr 1fr 1fr',
          gap: 'var(--tb-sp-2)', alignItems: 'baseline',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          borderLeft: '3px solid ' + (change >= 0 ? 'var(--tb-success)' : 'var(--tb-error)'),
        },
      },
        el('span', null,
          el('div', { style: { fontWeight: '600' } }, p.label),
          el('div', { class: 'tb-field-help', style: { marginTop: '2px' } }, best.taken_at.slice(0, 10)),
        ),
        el('span', { style: { fontFamily: 'var(--tb-font-mono)' } }, fmtCurrency(baseVal, currency)),
        el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600',
          color: change >= 0 ? 'var(--tb-success)' : 'var(--tb-error)' } },
          (change >= 0 ? '+' : '') + fmtCurrency(change, currency) + ' (' + pct.toFixed(1) + '%)'),
        el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)',
          color: 'var(--tb-text-soft)' } },
          'CAGR ' + (cagr >= 0 ? '+' : '') + cagr.toFixed(1) + '%'),
      ));
    });
    if (list.children.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('nw.yoy.no_matches')));
      return card;
    }
    card.appendChild(list);

    // Allocation drift (latest vs earliest)
    const earliest = snaps[0];
    if (earliest.allocation && latest.allocation) {
      card.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-4)' } }, t('nw.yoy.allocation_drift')));
      const driftList = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px' } });
      const classes = Object.keys(latest.allocation).filter((k) =>
        latest.allocation[k] > 0 || (earliest.allocation && earliest.allocation[k] > 0));
      classes.forEach((c) => {
        const oldPct = (earliest.allocation[c] || 0) * 100;
        const newPct = (latest.allocation[c] || 0) * 100;
        const drift = newPct - oldPct;
        driftList.appendChild(el('div', {
          style: {
            display: 'grid', gridTemplateColumns: '1fr 80px 80px 100px',
            gap: 'var(--tb-sp-2)', padding: '4px var(--tb-sp-3)',
            background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
            fontSize: 'var(--tb-fs-12)',
          },
        },
          el('span', null, c.replace(/_/g, ' ')),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)', textAlign: 'right' } },
            oldPct.toFixed(1) + '%'),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)', textAlign: 'right' } },
            newPct.toFixed(1) + '%'),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)', textAlign: 'right',
            color: Math.abs(drift) > 5 ? 'var(--tb-warn)' : 'var(--tb-text-soft)' } },
            (drift >= 0 ? '+' : '') + drift.toFixed(1) + 'pp'),
        ));
      });
      card.appendChild(driftList);
    }

    return card;
  }

  // ─── Snapshot history list ────────────────────────────────────────

  function buildHistoryListCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const prefs = getPrefs();
    const currency = prefs.chart_currency || 'usd';
    const snaps = getSnapshots().slice().reverse();  // newest first

    const card = el('div', { class: 'tb-card', 'data-track': 'history' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📚 ' + t('nw.section.history')));

    if (snaps.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('nw.history.empty')));
      return card;
    }

    const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px' } });
    snaps.forEach((s) => {
      const val = snapshotValue(s, currency);
      list.appendChild(el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-history)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          gap: 'var(--tb-sp-3)',
        },
      },
        el('div', null,
          el('div', { style: { fontWeight: '600' } }, s.label || s.taken_at.slice(0, 10)),
          el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
            s.taken_at.slice(0, 10) + ' · ' + (s.accounts || []).length + ' ' + t('nw.history.accounts')),
        ),
        el('div', { style: { display: 'flex', alignItems: 'baseline', gap: 'var(--tb-sp-3)' } },
          el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600' } },
            fmtCurrency(val, currency)),
          el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
            style: { padding: '2px 8px', fontSize: 'var(--tb-fs-12)' },
            onclick: () => {
              if (confirm(t('nw.history.confirm_delete'))) {
                deleteSnapshot(s.id);
                rerender();
              }
            } }, '🗑'),
        ),
      ));
    });
    card.appendChild(list);
    return card;
  }

  // ─── Annual review wizard ────────────────────────────────────────

  function buildAnnualReviewCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const reviews = getReviews();
    const last = reviews.length > 0 ? reviews[reviews.length - 1] : null;

    const card = el('div', { class: 'tb-card', 'data-track': 'history' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🔄 ' + t('nw.section.review')),
      el('button', { class: 'tb-btn', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openReviewWizard() }, '▶ ' + t('nw.review.start')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('nw.review.intro')));

    if (!last) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('nw.review.never')));
      return card;
    }

    const days = Math.floor((Date.now() - new Date(last.completed_at).getTime()) / 86400000);
    const color = days > 365 ? 'var(--tb-error)'
                : days > 180 ? 'var(--tb-warn)'
                : 'var(--tb-success)';
    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid ' + color,
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-2)',
      },
    },
      el('div', { style: { fontWeight: '600' } },
        t('nw.review.last') + ': ' + last.completed_at.slice(0, 10) + ' (' + days + 'd ago)'),
      last.notes ? el('div', { class: 'tb-field-help', style: { marginTop: '4px' } }, last.notes) : null,
    ));
    return card;
  }

  // ────────────────────────────────────────────────────────────────────
  // YEAR-END CHECKUP WIZARD (v2 — comprehensive, action-performing)
  // ────────────────────────────────────────────────────────────────────
  //
  // Replaces the legacy 7-step "anything change?" wizard with a
  // ~12-step year-end checkup that:
  //   • Performs the action inline when possible (refresh FX, take
  //     snapshot, run PFIC scan) — no need to bounce to the module
  //     for one-click work
  //   • Shows a status line per step: "✓ Done" / "○ Skipped" / live
  //     result of the inline action ("✓ FX refreshed: 4 years")
  //   • Generates a year-end Markdown report on completion
  //   • Logs the review with timestamp, step statuses, and notes
  //
  // The legacy 7-step state (annual_reviews[]) is reused; the new flow
  // appends to the same array so prior reviews stay in history.
  function openReviewWizard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');

    // Each step:
    //   id              — stable identifier (used in completion log)
    //   label_key       — i18n base key; .title / .body are appended
    //   module          — optional view id for "Open module ↗" link
    //   action          — optional async fn that runs the action; returns
    //                     a result string shown in the step status row,
    //                     or throws to show an error
    //   showIf          — optional fn(state) → bool; hide when false
    const STEPS = [
      {
        id: 'fx_refresh',
        label_key: 'nw.review2.step.fx_refresh',
        module: 'settings',
        action: async () => {
          const out = [];
          // Treasury year-end rates (FBAR-relevant)
          if (TB.fbar && typeof TB.fbar.refreshTreasuryRates === 'function') {
            try {
              const r = await TB.fbar.refreshTreasuryRates();
              const yrs = Object.keys(r.fetched || {}).length;
              if (yrs > 0) out.push('Treasury: ' + yrs + 'y');
            } catch (e) { out.push('Treasury: failed'); }
          }
          // Current spot rates (FX module)
          if (TB.utils && typeof TB.utils.refreshCurrentFx === 'function') {
            try {
              await TB.utils.refreshCurrentFx();
              out.push('Current: ✓');
            } catch (e) { out.push('Current: failed'); }
          }
          return out.join(' · ') || 'Nothing to refresh';
        },
      },
      {
        id: 'snapshot',
        label_key: 'nw.review2.step.snapshot',
        action: async () => {
          const yr = new Date().getFullYear();
          const snap = takeSnapshot('Year-end ' + yr);
          if (!snap) return 'No assets to snapshot — add accounts first';
          return 'Snapshot saved · $' + Math.round(snap.total_usd).toLocaleString();
        },
      },
      {
        id: 'asset_balances',
        label_key: 'nw.review2.step.asset_balances',
        module: 'assets',
        action: async () => {
          const accts = (TB.state.get('assets.accounts') || []).filter(a => a.active);
          if (accts.length === 0) return 'No active accounts';
          const cutoff = Date.now() - 90 * 24 * 3600 * 1000;
          const stale = accts.filter(a => {
            if (!a.balance_updated_at) return true;
            return new Date(a.balance_updated_at).getTime() < cutoff;
          });
          if (stale.length === 0) return 'All ' + accts.length + ' balances are fresh (<90d)';
          return stale.length + ' of ' + accts.length + ' accounts have stale balances — open Assets to update';
        },
      },
      {
        id: 'pfic_scan',
        label_key: 'nw.review2.step.pfic_scan',
        module: 'tax-coordinator',
        action: async () => {
          const accts = (TB.state.get('assets.accounts') || []);
          if (accts.length === 0) return 'No accounts to scan';
          const KEYWORDS = ['投資信託', '学資保険', 'mutual fund', 'fund', 'etf', 'NISA', 'iDeCo'];
          const flagged = [];
          for (const a of accts) {
            if (a.country === 'US') continue;
            const hay = ((a.name || '') + ' ' + (a.notes || '') + ' ' + (a.institution || '')).toLowerCase();
            if (KEYWORDS.some(k => hay.indexOf(k.toLowerCase()) !== -1)) {
              const isJustBank = ['jp_savings', 'jp_checking', 'jp_fixed_deposit'].indexOf(a.tax_wrapper) !== -1;
              if (!isJustBank) flagged.push(a.institution || a.name || '?');
            }
          }
          if (flagged.length === 0) return '✓ No PFIC flags';
          return '⚠ ' + flagged.length + ' flag(s): ' + flagged.slice(0, 3).join(', ') +
            (flagged.length > 3 ? '…' : '');
        },
      },
      {
        id: 'fbar_threshold',
        label_key: 'nw.review2.step.fbar_threshold',
        module: 'fbar',
        action: async () => {
          const accts = (TB.state.get('assets.accounts') || []).filter(a => a.active && a.country !== 'US');
          if (!TB.assets || typeof TB.assets.toUsd !== 'function') return 'Assets module not available';
          let total = 0;
          for (const a of accts) {
            total += TB.assets.toUsd(a.balance_native, a.currency);
          }
          if (total >= 10000) {
            return '⚠ FBAR REQUIRED — aggregate $' + Math.round(total).toLocaleString() + ' (threshold $10,000)';
          }
          if (total >= 7500) {
            return '○ Approaching threshold — $' + Math.round(total).toLocaleString() + ' / $10,000';
          }
          return '✓ Below threshold — $' + Math.round(total).toLocaleString() + ' / $10,000';
        },
      },
      {
        id: 'family_passports',
        label_key: 'nw.review2.step.family',
        module: 'family',
        action: async () => {
          const members = (TB.state.get('family.members') || []);
          if (members.length === 0) return 'No family members tracked yet';
          // Find passports expiring in next 12 months
          const cutoff = new Date(); cutoff.setMonth(cutoff.getMonth() + 12);
          const expiring = [];
          for (const m of members) {
            for (const p of (m.passports || [])) {
              if (p.expires) {
                const e = new Date(p.expires);
                if (!isNaN(e.getTime()) && e <= cutoff) expiring.push(m.name + ' (' + p.country + ')');
              }
            }
          }
          if (expiring.length === 0) return '✓ ' + members.length + ' members tracked, no passport expiries in next 12mo';
          return '⚠ ' + expiring.length + ' passport(s) expire <12mo: ' + expiring.slice(0, 3).join(', ');
        },
      },
      {
        id: 'property_review',
        label_key: 'nw.review2.step.property',
        module: 'property',
        showIf: () => {
          const props = TB.state.get('property.properties') || [];
          return props.length > 0;
        },
      },
      {
        id: 'healthcare_review',
        label_key: 'nw.review2.step.healthcare',
        module: 'healthcare',
        action: async () => {
          // Surface Medicare IEP if user is approaching 65.
          const profile = TB.state.get('profile') || {};
          const dob = profile.dob || profile.birth_year;
          if (!dob) return 'Add date of birth to enable Medicare IEP detection';
          const dobDate = typeof dob === 'string' && dob.length >= 4 ? new Date(dob.slice(0, 10)) : null;
          if (!dobDate || isNaN(dobDate.getTime())) return 'Healthcare module ready — open to review premiums';
          const sixtyFive = new Date(dobDate);
          sixtyFive.setFullYear(sixtyFive.getFullYear() + 65);
          const monthsTo65 = Math.round((sixtyFive - new Date()) / (30 * 24 * 3600 * 1000));
          if (monthsTo65 > 6 && monthsTo65 < 9) {
            return '🩺 Medicare IEP opens in ~' + (monthsTo65 - 3) + ' months — start gathering paperwork now';
          }
          if (monthsTo65 >= -3 && monthsTo65 <= 6) {
            return '⚠ Medicare IEP window — enroll before age 65 + 3 months';
          }
          return 'Healthcare module ready — open to review premiums';
        },
      },
      {
        id: 'tax_docs',
        label_key: 'nw.review2.step.tax_docs',
        module: 'tax-coordinator',
      },
      {
        id: 'consultations',
        label_key: 'nw.review2.step.consultations',
        module: 'consultations',
      },
      {
        id: 'spouse_handoff',
        label_key: 'nw.review2.step.spouse_handoff',
        module: 'sharing-backup',
        showIf: () => {
          const fam = TB.state.get('onboarding.answers.family') || [];
          const arr = Array.isArray(fam) ? fam : [fam];
          return arr.includes('jp_spouse') || arr.includes('us_spouse') || arr.includes('third_spouse');
        },
      },
      {
        id: 'report_generate',
        label_key: 'nw.review2.step.report',
        action: async () => {
          try {
            generateAndDownloadReport();
            return '✓ Year-end report downloaded';
          } catch (e) {
            return 'Report generation failed: ' + (e.message || e);
          }
        },
      },
    ];

    // Filter out hidden steps before rendering.
    const visibleSteps = STEPS.filter(s => typeof s.showIf !== 'function' || s.showIf());

    let stepIdx = 0;
    let notes = '';
    const stepStatus = visibleSteps.map(() => null); // 'ok' | 'changed' | 'skip' | { result }
    const stepResults = visibleSteps.map(() => null); // string result from inline action

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '640px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }

    function paint() {
      modal.innerHTML = '';
      modal.appendChild(el('h2', { style: { marginTop: 0 } }, '🔄 ' + t('nw.review2.modal_title')));
      modal.appendChild(el('p', { class: 'tb-card-meta' }, t('nw.review2.modal_intro')));

      // Progress bar
      const progress = el('div', {
        style: { display: 'flex', gap: '3px', marginBottom: 'var(--tb-sp-3)' },
      });
      visibleSteps.forEach((_, i) => {
        progress.appendChild(el('div', {
          style: {
            flex: 1, height: '6px', borderRadius: 'var(--tb-radius-pill)',
            background: i < stepIdx ? 'var(--tb-success)' :
                        i === stepIdx ? 'var(--tb-track-history)' : 'var(--tb-border)',
          },
        }));
      });
      modal.appendChild(progress);

      if (stepIdx < visibleSteps.length) {
        const step = visibleSteps[stepIdx];
        modal.appendChild(el('div', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-2)' } },
          t('nw.review2.step_label', { current: stepIdx + 1, total: visibleSteps.length })));
        modal.appendChild(el('h3', { style: { marginTop: 0 } }, t(step.label_key + '.title')));
        modal.appendChild(el('p', null, t(step.label_key + '.body')));

        // Show last action result if available (lets users see what
        // "Run now" produced before deciding Confirm vs Skip).
        if (stepResults[stepIdx]) {
          modal.appendChild(el('div', {
            style: {
              padding: 'var(--tb-sp-2) var(--tb-sp-3)',
              background: 'var(--tb-bg)',
              borderLeft: '3px solid var(--tb-success)',
              borderRadius: 'var(--tb-radius-1)',
              marginBottom: 'var(--tb-sp-2)',
              fontFamily: 'var(--tb-font-mono)',
              fontSize: 'var(--tb-fs-12)',
            },
          }, stepResults[stepIdx]));
        }

        // Open-module link (always shown when step.module is set)
        if (step.module) {
          modal.appendChild(el('p', { style: { marginBottom: 'var(--tb-sp-2)' } },
            el('a', { href: '#', style: { color: 'var(--tb-navy)' },
              onclick: (e) => {
                e.preventDefault();
                close();
                document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: step.module } }));
              },
            }, '↗ ' + t('nw.review2.open_module')),
          ));
        }

        // Action row
        const btns = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-3)', flexWrap: 'wrap' } });

        // "Run now" button — only when the step has an inline action
        if (typeof step.action === 'function') {
          const runBtn = el('button', {
            class: 'tb-btn',
            type: 'button',
            onclick: async () => {
              runBtn.disabled = true;
              const old = runBtn.textContent;
              runBtn.textContent = '⏳ ' + t('nw.review2.btn.running');
              try {
                const result = await step.action();
                stepResults[stepIdx] = result;
                stepStatus[stepIdx] = 'ok';
                paint();
              } catch (err) {
                stepResults[stepIdx] = '✗ ' + (err.message || err);
                runBtn.disabled = false;
                runBtn.textContent = old;
                paint();
              }
            },
          }, '▶ ' + t('nw.review2.btn.run_now'));
          btns.appendChild(runBtn);
        }

        // Confirm — mark done without inline action
        btns.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button',
          onclick: () => {
            if (!stepStatus[stepIdx]) stepStatus[stepIdx] = 'ok';
            stepIdx += 1; paint();
          } },
          '✓ ' + t('nw.review2.btn.next')));

        // Skip
        btns.appendChild(el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
          onclick: () => { stepStatus[stepIdx] = 'skip'; stepIdx += 1; paint(); } },
          t('nw.review2.btn.skip')));

        modal.appendChild(btns);

        // Cancel
        modal.appendChild(el('div', { style: { marginTop: 'var(--tb-sp-3)', textAlign: 'right' } },
          el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
            style: { fontSize: 'var(--tb-fs-12)' },
            onclick: close }, t('nw.cancel'))));
      } else {
        // Final step — summary + complete
        modal.appendChild(el('h3', { style: { marginTop: 0 } }, '✓ ' + t('nw.review2.complete_title')));
        modal.appendChild(el('p', null, t('nw.review2.complete_body')));

        // Per-step summary
        const summary = el('ul', { style: { paddingLeft: '20px', fontSize: 'var(--tb-fs-12)' } });
        visibleSteps.forEach((step, i) => {
          const status = stepStatus[i] || 'skip';
          const icon = status === 'ok' ? '✓' : status === 'changed' ? '✎' : '○';
          const result = stepResults[i] ? ' · ' + stepResults[i] : '';
          summary.appendChild(el('li', null, icon + ' ' + t(step.label_key + '.title') + result));
        });
        modal.appendChild(summary);

        modal.appendChild(el('div', { class: 'tb-field' },
          el('label', { class: 'tb-field-label' }, t('nw.review2.notes_label')),
          el('textarea', { class: 'tb-input', rows: 3,
            placeholder: t('nw.review2.notes_placeholder'),
            oninput: (e) => { notes = e.target.value; } }),
        ));

        const btns = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-3)' } });
        btns.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('nw.cancel')));
        btns.appendChild(el('button', { class: 'tb-btn', type: 'button',
          onclick: () => {
            const reviews = getReviews();
            reviews.push({
              id: 'rev-' + Date.now().toString(36),
              completed_at: new Date().toISOString(),
              type: 'year_end_v2',
              notes,
              steps: visibleSteps.map((s, i) => ({
                id: s.id,
                status: stepStatus[i] || 'skip',
                result: stepResults[i] || null,
              })),
            });
            setReviews(reviews);
            close();
            rerender();
          },
        }, '✓ ' + t('nw.review2.btn.complete')));
        modal.appendChild(btns);
      }
    }

    paint();
    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Annual report exporter ──────────────────────────────────────

  function buildReportExportCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const reports = getReports();

    const card = el('div', { class: 'tb-card', 'data-track': 'history' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '📄 ' + t('nw.section.report')),
      el('button', { class: 'tb-btn', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => generateAndDownloadReport() }, '⬇ ' + t('nw.report.generate')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('nw.report.intro')));

    if (reports.length > 0) {
      const last = reports[reports.length - 1];
      card.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
        t('nw.report.last_generated') + ': ' + new Date(last.generated_at).toLocaleDateString() +
        ' · ' + last.year));
    }
    return card;
  }

  // Generates a year-end Markdown report bundling state from all
  // modules. Downloads as .md. Logs metadata in net_worth.annual_reports.
  function generateAndDownloadReport() {
    const profile = TB.state.get('profile') || {};
    const today = new Date();
    const year = today.getFullYear();
    const dateStr = today.toISOString().slice(0, 10);
    const prefs = getPrefs();
    const currency = prefs.chart_currency || 'usd';
    const snaps = getSnapshots();
    const latest = snaps.length > 0 ? snaps[snaps.length - 1] : null;

    const lines = [];
    lines.push('# Annual Financial Report — ' + year);
    lines.push('');
    lines.push('**Prepared for:** ' + (profile.displayName || '(unspecified)'));
    lines.push('**Generated:** ' + dateStr);
    lines.push('');
    lines.push('> *This report bundles your Taigan Bridge state into a single document for review, sharing with your CPA / financial advisor, or year-end archive. Generated entirely from local state — no information was sent to any service to produce this.*');
    lines.push('');

    // 1. Executive summary
    lines.push('## 1. Executive Summary');
    lines.push('');
    if (latest) {
      const val = snapshotValue(latest, currency);
      lines.push('- **Net worth (latest snapshot):** ' + fmtCurrency(val, currency) + ' (as of ' + latest.taken_at.slice(0, 10) + ')');
    }
    if (snaps.length >= 2) {
      const first = snaps[0];
      const yoyDays = (new Date(latest.taken_at) - new Date(first.taken_at)) / 86400000;
      if (yoyDays >= 300) {  // worth noting if at least 10 months
        const oldVal = snapshotValue(first, currency);
        const newVal = snapshotValue(latest, currency);
        const pct = oldVal > 0 ? ((newVal - oldVal) / oldVal) * 100 : 0;
        lines.push('- **Change since first snapshot:** ' + (newVal - oldVal >= 0 ? '+' : '') +
          fmtCurrency(newVal - oldVal, currency) + ' (' + pct.toFixed(1) + '%) over ' +
          (yoyDays / 365.25).toFixed(1) + ' years');
      }
    }
    const tracks = TB.state.get('tracks') || [];
    if (tracks.length > 0) {
      lines.push('- **Active tracks:** ' + tracks.join(', '));
    }
    lines.push('');

    // 2. Asset inventory
    if (TB.assets && typeof TB.assets.getActiveAccounts === 'function') {
      const accounts = TB.assets.getActiveAccounts();
      if (accounts.length > 0) {
        lines.push('## 2. Asset Inventory');
        lines.push('');
        lines.push('| Institution | Account | Country | Wrapper | Currency | Balance | USD |');
        lines.push('|-------------|---------|---------|---------|----------|---------|-----|');
        accounts.forEach((a) => {
          lines.push('| ' + (a.institution || '—') +
            ' | ' + (a.name || '—') +
            ' | ' + (a.country || '—') +
            ' | ' + (a.tax_wrapper || '—') +
            ' | ' + (a.currency || '—') +
            ' | ' + (a.balance_native != null ? a.balance_native.toLocaleString() : '—') +
            ' | $' + Math.round(TB.assets.toUsd(a.balance_native, a.currency)).toLocaleString() + ' |');
        });
        lines.push('');
        const total = accounts.reduce((s, a) => s + TB.assets.toUsd(a.balance_native, a.currency), 0);
        lines.push('**Total: $' + Math.round(total).toLocaleString() + '**');
        lines.push('');
      }
    }

    // 3. Tax filing summary
    if (TB.taxCoord && typeof TB.taxCoord.buildContext === 'function') {
      try {
        const ctx = TB.taxCoord.buildContext();
        lines.push('## 3. Tax Filing Summary (Year ' + year + ')');
        lines.push('');
        lines.push('- **Filing status:** ' + ctx.filing_status_label);
        lines.push('- **FEIE/FTC election:** ' + (ctx.feie_choice || 'undecided'));
        lines.push('- **JP tax resident:** ' + (ctx.is_jp_resident ? 'yes' : 'no'));
        lines.push('- **Foreign assets:** $' + Math.round(ctx.foreign_assets_usd).toLocaleString());
        lines.push('- **FBAR aggregate:** $' + Math.round(ctx.fbar_aggregate_usd).toLocaleString() +
          (ctx.fbar_aggregate_usd > 10000 ? ' (FBAR required)' : ''));
        if (ctx.has_pfic) {
          lines.push('- **⚠ PFIC detected:** ' + (ctx.pfic_account_names || []).join(', '));
        }
        if (ctx.has_foreign_corp) {
          lines.push('- **Foreign corp ownership:** yes (Form 5471 required)');
        }
        lines.push('');
      } catch (err) { /* swallow */ }
    }

    // 4. Estate snapshot
    if (TB.estate && typeof TB.estate.computeJpInheritanceTax === 'function') {
      try {
        const tax = TB.estate.computeJpInheritanceTax();
        const heirs = TB.estate.deriveStatutoryHeirs();
        if (heirs.all_heirs.length > 0 || tax.gross_jpy > 0) {
          lines.push('## 4. Estate Snapshot');
          lines.push('');
          lines.push('- **Statutory heirs:** ' + heirs.all_heirs.length);
          lines.push('- **JP estate (in scope):** ¥' + Math.round(tax.gross_jpy).toLocaleString());
          lines.push('- **Projected JP 相続税:** ¥' + Math.round(tax.net_tax).toLocaleString() +
            ' (after spouse credit ¥' + Math.round(tax.spouse_credit).toLocaleString() + ')');
          lines.push('- **永住者 status active:** ' + (tax.is_pr_for_tax ? 'yes (worldwide assets in scope)' : 'no (JP-situs only)'));
          lines.push('');
        }
      } catch (err) { /* swallow */ }
    }

    // 5. Family + gifts
    const family = TB.state.get('family.members') || [];
    if (family.length > 0) {
      lines.push('## 5. Family Roster');
      lines.push('');
      lines.push('| Name | Relationship | Citizenships | Birth date |');
      lines.push('|------|--------------|--------------|------------|');
      family.forEach((m) => {
        lines.push('| ' + (m.name_en || m.name_jp || '(unnamed)') +
          ' | ' + m.relationship +
          ' | ' + (m.citizenships || []).join(', ') +
          ' | ' + (m.birth_date || '—') + ' |');
      });
      lines.push('');
    }
    const gifts = TB.state.get('family.gifts_log') || [];
    if (gifts.length > 0) {
      lines.push('### Gifts logged (' + gifts.length + ' entries)');
      lines.push('');
      const cutoff = year - 7;
      const inWindow = gifts.filter((g) => g.year >= cutoff);
      lines.push('- ' + inWindow.length + ' within 7-year clawback window, ' +
        '¥' + inWindow.reduce((s, g) => s + (g.amount_jpy || 0), 0).toLocaleString() + ' total');
      lines.push('');
    }

    // 6. Action items pending
    if (TB.actionCenter && typeof TB.actionCenter.deriveActions === 'function') {
      try {
        const actions = TB.actionCenter.deriveActions();
        if (actions.length > 0) {
          lines.push('## 6. Outstanding Action Items');
          lines.push('');
          actions.slice(0, 15).forEach((a) => {
            lines.push('- [' + (a.urgency || 'med') + '] ' + a.title);
          });
          if (actions.length > 15) {
            lines.push('- ... and ' + (actions.length - 15) + ' more');
          }
          lines.push('');
        }
      } catch (err) { /* swallow */ }
    }

    // 7. Snapshot history (compact)
    if (snaps.length > 0) {
      lines.push('## 7. Net Worth History');
      lines.push('');
      lines.push('| Date | Label | USD | JPY |');
      lines.push('|------|-------|-----|-----|');
      snaps.slice(-10).reverse().forEach((s) => {
        lines.push('| ' + s.taken_at.slice(0, 10) +
          ' | ' + (s.label || '—') +
          ' | $' + Math.round(s.total_usd || 0).toLocaleString() +
          ' | ¥' + Math.round(snapshotValue(s, 'jpy') || 0).toLocaleString() + ' |');
      });
      if (snaps.length > 10) {
        lines.push('');
        lines.push('*(showing 10 most recent of ' + snaps.length + ' snapshots)*');
      }
      lines.push('');
    }

    // Annual review log
    const reviews = getReviews();
    if (reviews.length > 0) {
      const last = reviews[reviews.length - 1];
      lines.push('## 8. Last Annual Review');
      lines.push('');
      lines.push('- **Completed:** ' + last.completed_at.slice(0, 10));
      if (last.notes) {
        lines.push('- **Notes:** ' + last.notes);
      }
      lines.push('');
    }

    lines.push('---');
    lines.push('*Generated by Taigan Bridge — single-file HTML, runs entirely in your browser. State exported here is yours to share, archive, or discard. Not a substitute for professional financial / tax / legal advice.*');

    const md = lines.join('\n');

    // Log report metadata
    const reports = getReports();
    reports.push({
      id: 'rpt-' + Date.now().toString(36),
      year,
      generated_at: today.toISOString(),
      total_usd: latest ? latest.total_usd : 0,
    });
    setReports(reports);

    const blob = new Blob([md], { type: 'text/markdown' });
    const url = URL.createObjectURL(blob);
    const a = document.createElement('a');
    a.href = url;
    a.download = 'taigan-bridge-annual-report-' + year + '.md';
    document.body.appendChild(a);
    a.click();
    document.body.removeChild(a);
    URL.revokeObjectURL(url);

    rerender();
  }

  // ─── Preferences ──────────────────────────────────────────────────

  function buildPreferencesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const prefs = getPrefs();

    const card = el('div', { class: 'tb-card', 'data-track': 'history' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '⚙ ' + t('nw.section.preferences')));

    function row(labelKey, helpKey, key) {
      const cb = el('input', { type: 'checkbox', checked: !!prefs[key],
        style: { marginRight: '8px' },
        onchange: (e) => {
          const p = Object.assign({}, prefs);
          p[key] = !!e.target.checked;
          setPrefs(p);
        } });
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
          cb, t(labelKey)),
        el('div', { class: 'tb-field-help' }, t(helpKey)),
      );
    }
    card.appendChild(row('nw.prefs.auto_fbar', 'nw.prefs.auto_fbar.help', 'auto_snapshot_on_fbar'));
    card.appendChild(row('nw.prefs.auto_year_end', 'nw.prefs.auto_year_end.help', 'auto_snapshot_year_end'));
    return card;
  }

  // ====================================================================
  // Action Center generators
  // ====================================================================

  function genSnapshotStale() {
    const days = daysSinceLastSnapshot();
    if (days == null) {
      // Have accounts but never snapshotted?
      const accounts = (TB.assets && typeof TB.assets.getActiveAccounts === 'function')
        ? TB.assets.getActiveAccounts() : [];
      if (accounts.length === 0) return [];
      return [{
        id: 'nw_snapshot_first',
        group: 'history',
        urgency: 'low',
        icon: '📸',
        title: 'Take your first net worth snapshot',
        body: 'You have ' + accounts.length + ' accounts in your Asset tracker but no net-worth snapshots yet. A snapshot freezes today\'s totals so you can chart growth over time.',
        module: 'net-worth',
        snoozable: true,
      }];
    }
    if (days < 90) return [];
    const urgency = days > 365 ? 'high' : days > 180 ? 'medium' : 'low';
    return [{
      id: 'nw_snapshot_stale',
      group: 'history',
      urgency,
      icon: '📸',
      title: 'Net-worth snapshot is ' + days + ' days old',
      body: 'Take a fresh snapshot to capture current balances. Snapshots are how the chart shows growth over time.',
      module: 'net-worth',
      snoozable: true,
    }];
  }

  function genAnnualReviewDue() {
    const reviews = getReviews();
    // The "year-end window" — Nov 15 → Jan 31 — is when the checkup
    // matters most (FBAR aggregation, year-end balances, year-end
    // snapshot, tax-doc gathering). Inside the window we bump urgency
    // and re-frame the title; outside, we hold off on first-run
    // nagging until day 365 of inactivity.
    const today = new Date();
    const month = today.getMonth() + 1;
    const day = today.getDate();
    const inYearEndWindow = (month === 11 && day >= 15) || month === 12 || month === 1;

    if (reviews.length === 0) {
      // First-time prompt only fires if the user has at least one
      // active asset account — empty state isn't actionable.
      const accts = (TB.state.get('assets.accounts') || []).filter(a => a.active);
      if (accts.length === 0) return [];
      return [{
        id: 'nw_review_first',
        group: 'history',
        urgency: inYearEndWindow ? 'medium' : 'low',
        icon: '🔄',
        title: inYearEndWindow
          ? 'Run your first year-end checkup'
          : 'Try the year-end checkup wizard',
        body: 'A 12-step guided flow that refreshes FX rates, takes a net-worth snapshot, runs the PFIC scanner, checks FBAR threshold, and generates a year-end report — all inline. ~15 minutes.',
        module: 'net-worth',
        snoozable: true,
      }];
    }

    const last = reviews[reviews.length - 1];
    const days = Math.floor((Date.now() - new Date(last.completed_at).getTime()) / 86400000);

    // In year-end window: prompt if last review was >300 days ago
    // (so the same calendar year doesn't get reviewed twice).
    if (inYearEndWindow && days > 300) {
      return [{
        id: 'nw_year_end_checkup_due',
        group: 'history',
        urgency: 'high',
        icon: '🔄',
        title: 'Year-end checkup due — last run ' + days + ' days ago',
        body: 'Year-end is the right moment for FBAR aggregation, snapshot capture, and CPA-prep doc gathering. Run the wizard before Dec 31 to lock in your annual record.',
        module: 'net-worth',
        snoozable: true,
      }];
    }

    // Outside the window: only nag at >365 days.
    if (days < 365) return [];
    return [{
      id: 'nw_review_due',
      group: 'history',
      urgency: 'medium',
      icon: '🔄',
      title: 'Year-end checkup overdue (last: ' + Math.floor(days / 365) + 'y ago)',
      body: 'Run the year-end checkup wizard to refresh FX, snapshot net worth, scan for PFIC drift, and confirm FBAR threshold status.',
      module: 'net-worth',
      snoozable: true,
    }];
  }

  function genYearEndReport() {
    const today = new Date();
    const month = today.getMonth() + 1;
    const day = today.getDate();
    // Only fire in December (after the 15th) or January (before the 31st)
    const inWindow = (month === 12 && day >= 15) || (month === 1);
    if (!inWindow) return [];
    const reports = getReports();
    const year = month === 1 ? today.getFullYear() - 1 : today.getFullYear();
    const alreadyGenerated = reports.some((r) => r.year === year);
    if (alreadyGenerated) return [];
    return [{
      id: 'nw_year_end_report_' + year,
      group: 'history',
      urgency: 'low',
      icon: '📄',
      title: 'Year-end report for ' + year + ' not yet generated',
      body: 'Generate the year-end annual report to bundle tax package + asset summary + estate state into one Markdown document. Useful for CPA review, year-end archive, or sharing with spouse.',
      module: 'net-worth',
      snoozable: true,
    }];
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id, label_en: 'Net Worth & Reports', label_jp: '純資産・レポート', render,
    searchSections: SECTIONS,
  };

  window.TB.netWorth = {
    actionGenerators: [genSnapshotStale, genAnnualReviewDue, genYearEndReport],
    takeSnapshot, deleteSnapshot, snapshotValue, daysSinceLastSnapshot,
    generateAndDownloadReport,
  };
})();

</script>
  <script data-source="scripts/modules/healthcare.js">
/* Taigan Bridge — modules/healthcare.js
 *
 * Healthcare orchestration. Pulls from existing health-adjacent state
 * across modules and adds first-class coverage for the topics those
 * modules don't address:
 *
 *   Reads from:
 *     resident.nhi              → 国民健康保険 enrollment
 *     veteran.healthcare        → TRICARE plan + FMP
 *     onboarding.answers.veteran → veteran status (TRICARE eligibility)
 *     family.members            → dependents (kids' insurance gaps)
 *     documentVault.items       → advance directive presence
 *
 *   Adds:
 *     Medicare Part A/B/D enrollment + the in-Japan decision math
 *       (Part B is paid in full whether you use it or not; care abroad
 *       isn't covered — many JP-resident retirees pay $202.90/mo for
 *       nothing. Late-enrollment penalty creates an asymmetric trap.)
 *     介護保険 (long-term care insurance) — universal at 40+
 *     End-of-life preferences (organ donor, DNR, funeral wishes)
 *     Monthly premium budget — aggregated across NHI / SHI / TRICARE
 *       / Medicare / LTC / private US into one "you spend $X/mo on
 *       healthcare across all systems" number
 *
 * Cross-module integration via TB.healthcare.actionGenerators —
 * watches NHI not enrolled, Medicare Part B decision approaching,
 * dependent age-out gaps, advance directive missing, 介護保険 enrollment
 * at 40, etc.
 */

(function () {
  'use strict';

  const id = 'healthcare';

  // ====================================================================
  // Reference data
  // ====================================================================

  // 介護保険 care levels — used in dropdown for users already enrolled.
  // Premium structure isn\'t in scope; users enter their actual figure.
  const LTC_CARE_LEVELS = [
    { id: '要支援1', label_en: '要支援1 (Support level 1)' },
    { id: '要支援2', label_en: '要支援2 (Support level 2)' },
    { id: '要介護1', label_en: '要介護1 (Care level 1)' },
    { id: '要介護2', label_en: '要介護2 (Care level 2)' },
    { id: '要介護3', label_en: '要介護3 (Care level 3)' },
    { id: '要介護4', label_en: '要介護4 (Care level 4)' },
    { id: '要介護5', label_en: '要介護5 (Care level 5)' },
  ];

  // TRICARE plans — slim list for the dropdown. The Veteran module
  // already has the full plan reference; we just surface the user's
  // choice here.
  const TRICARE_PLANS = [
    { id: 'tricare_overseas', label_en: 'TRICARE Overseas Program (active duty / family)' },
    { id: 'select_overseas',  label_en: 'TRICARE Select Overseas (retiree / family)' },
    { id: 'tfl',              label_en: 'TRICARE for Life (Medicare-eligible retirees)' },
    { id: 'usfhp',            label_en: 'US Family Health Plan (specific US regions only)' },
    { id: 'none',             label_en: 'Not enrolled / not eligible' },
  ];

  // 2026 Medicare Part B standard premium. Single source of truth:
  // constants.js (CMS; see docs/CLAIM-LEDGER.md). Recheck each November.
  const MEDICARE_PART_B_BASE_2026 = (window.TB && TB.constants && TB.constants.PART_B_PREMIUM_MONTHLY) || 202.90;

  // Private / employer international insurance plans — SOFA-exempt
  // users (DoD contractors, US-company expats) typically use one of
  // these instead of NHI/SHI. Order matches frequency in the
  // JP-resident-US-expat population.
  const PRIVATE_PLANS = [
    { id: 'cigna_intl',   label_en: 'CIGNA International (employer)' },
    { id: 'aetna_intl',   label_en: 'Aetna International (employer)' },
    { id: 'bupa_global',  label_en: 'Bupa Global' },
    { id: 'geo_blue',     label_en: 'GeoBlue' },
    { id: 'fehb',         label_en: 'FEHB (federal employee)' },
    { id: 'us_employer',  label_en: 'US-employer plan (other)' },
    { id: 'other',        label_en: 'Other (specify)' },
    { id: 'none',         label_en: 'None / not applicable' },
  ];

  // ====================================================================
  // State accessors
  // ====================================================================

  function getHc()        { return TB.state.get('healthcare') || {}; }
  function getMedicare()  { return getHc().medicare || {}; }
  function getLtc()       { return getHc().ltc || {}; }
  function getEol()       { return getHc().end_of_life || {}; }
  function getBudget()    { return getHc().monthly_budget || {}; }
  function getPrivate()   { return getHc().private || {}; }

  function setSection(section, value) {
    const h = getHc();
    h[section] = value;
    TB.state.set('healthcare', h);
  }

  // ── Cross-module reads ───────────────────────────────────────────

  function getResidentNhi() { return TB.state.get('resident.nhi') || {}; }
  function getVeteranHealthcare() { return TB.state.get('veteran.healthcare') || {}; }
  function vetStatus() { return TB.state.get('onboarding.answers.veteran') || 'no'; }
  function isJpResident() {
    const a = TB.state.get('onboarding.answers') || {};
    const tracks = TB.state.get('tracks') || [];
    return a.tax_status === 'japan_resident' || a.tax_status === 'japan_filer'
        || a.juminhyou === 'yes'
        || tracks.indexOf('resident') !== -1;
  }
  function ageInYears(birth_date) {
    if (!birth_date) return null;
    const b = new Date(birth_date + 'T00:00:00');
    if (isNaN(b.getTime())) return null;
    const now = new Date();
    let age = now.getFullYear() - b.getFullYear();
    const md = now.getMonth() - b.getMonth();
    if (md < 0 || (md === 0 && now.getDate() < b.getDate())) age--;
    return age;
  }

  // Self-age estimate from Projections current_age input (the cleanest
  // self-age signal in our state). Returns null if unavailable.
  function selfAge() {
    const v = TB.state.get('projections.inputs.current_age');
    return typeof v === 'number' ? v : null;
  }

  function isVeteranRetired() {
    const v = vetStatus();
    return v === 'retired';
  }

  // SOFA-status individuals are NOT required to enroll in NHI/SHI.
  // They're covered by US military health (active duty) OR employer-
  // provided international insurance (DoD contractors, civilians)
  // OR via the SOFA agreement itself. The "Not enrolled" state is
  // CORRECT for SOFA users — never an error.
  function isExemptFromNhi() {
    const a = TB.state.get('onboarding.answers') || {};
    if (a.visa === 'sofa') return true;
    if (a.employment === 'dod_active') return true;
    // DoD civilians + contractors are typically SOFA-status; key signal
    // is the visa choice. If they explicitly chose visa=sofa, exempt.
    if ((a.employment === 'dod_civilian' || a.employment === 'dod_contractor') &&
        a.visa === 'sofa') return true;
    return false;
  }

  // Best-guess primary coverage label based on onboarding answers
  // (used to suggest what the user probably has when no explicit
  // private/TRICARE record exists yet).
  function expectedPrimaryCoverage() {
    const a = TB.state.get('onboarding.answers') || {};
    if (a.employment === 'dod_active') return 'tricare_active';
    if (a.employment === 'dod_civilian') return 'fehb';  // typical for federal civilians
    if (a.employment === 'dod_contractor') return 'private_intl';  // CIGNA / Aetna typical
    if (a.employment === 'us_company') return 'private_intl';
    if (a.employment === 'japan_company') return 'shi';
    if (a.employment === 'self') return 'nhi';
    if (a.employment === 'retired_mil') return 'tricare_retiree';
    if (a.employment === 'retired_civ') return 'medicare_or_private';
    return null;
  }

  function privatePlanLabel() {
    const p = getPrivate();
    if (!p.type || p.type === 'none') return null;
    if (p.type === 'other') return p.custom_name || 'Other private plan';
    const found = PRIVATE_PLANS.find((pp) => pp.id === p.type);
    return found ? found.label_en : p.type;
  }

  function hasPrivateCoverage() {
    const p = getPrivate();
    return p.type && p.type !== 'none';
  }

  function hasAdvanceDirective() {
    const items = TB.state.get('documentVault.items') || [];
    return items.some((i) => i.type === 'advance_directive');
  }
  function hasMedicalPoa() {
    const items = TB.state.get('documentVault.items') || [];
    return items.some((i) => i.type === 'poa' && /medical|健康|医療/i.test(i.title || ''));
  }

  // ====================================================================
  // Coverage map — what the user is covered by, derived
  // ====================================================================

  // Returns flags indicating each coverage layer's status. Used by the
  // overview card to give a single-glance picture.
  function deriveCoverage() {
    const m = getMedicare();
    const lt = getLtc();
    const v = getVeteranHealthcare();
    const r = getResidentNhi();
    return {
      nhi: !!r.enrolled,
      shi: false,  // future: pull from SHI tracker if added
      private_intl: hasPrivateCoverage(),
      private_label: privatePlanLabel(),
      tricare: !!v.tricare_eligible || !!v.tricare_plan,
      tricare_plan: v.tricare_plan || null,
      fmp: !!v.fmp_enrolled,
      medicare_a: !!m.enrolled_a,
      medicare_b: !!m.enrolled_b,
      medicare_d: !!m.enrolled_d,
      ltc_eligible: ltcAppliesAuto(),
      ltc_enrolled: !!lt.care_level || (lt.applies === true),
      advance_directive: hasAdvanceDirective(),
      medical_poa: hasMedicalPoa(),
      // SOFA awareness — used by overview + NHI card for context-
      // appropriate messaging.
      nhi_exempt: isExemptFromNhi(),
      expected_primary: expectedPrimaryCoverage(),
    };
  }

  function ltcAppliesAuto() {
    const lt = getLtc();
    if (lt.applies != null) return !!lt.applies;
    const age = selfAge();
    return age != null && age >= 40 && isJpResident();
  }

  // ====================================================================
  // Module render
  // ====================================================================

  let host = null;
  let listenerSet = false;

  const SECTIONS = [
    { id: 'header',    always: true, builder: () => buildHeaderCard() },
    { id: 'overview',  always: true, builder: () => buildOverviewCard() },
    {
      id: 'nhi',
      label_en: 'NHI / SHI status (Japan)',
      label_jp: 'NHI / SHI ステータス',
      description_en: 'Japanese health insurance enrollment. Pulls from Resident module. SOFA-status users are exempt — context-aware messaging adjusts.',
      description_jp: '日本の健康保険加入状況。Resident モジュールから取得。SOFA ステータスは免除。',
      auto_show: () => isJpResident(),
      builder: () => buildNhiCard(),
    },
    {
      id: 'private',
      label_en: 'Private / employer international insurance',
      label_jp: '民間・雇用主提供の海外保険',
      description_en: 'CIGNA International, Aetna International, Bupa, GeoBlue, FEHB, US-employer plans. Common for SOFA-exempt expats: DoD contractors, US-company expats.',
      description_jp: 'CIGNA International・Aetna International・Bupa・GeoBlue・FEHB・米国雇用主プラン。SOFA 免除の駐在員(DoD 契約者・米国企業駐在)に一般的。',
      auto_show: () => {
        // Auto-show when employment suggests private coverage OR when
        // user has explicitly recorded a private plan.
        if (hasPrivateCoverage()) return true;
        const exp = expectedPrimaryCoverage();
        return exp === 'private_intl' || exp === 'fehb';
      },
      builder: () => buildPrivateCard(),
    },
    {
      id: 'tricare',
      label_en: 'TRICARE',
      label_jp: 'TRICARE',
      description_en: 'TRICARE plan + Overseas + TRICARE for Life. Eligibility depends on retired/active veteran status.',
      description_jp: 'TRICARE プラン・海外 TRICARE・TRICARE for Life。退役・現役のステータス次第で適用。',
      auto_show: () => {
        const s = vetStatus();
        return s === 'retired' || s === 'active';
      },
      builder: () => buildTricareCard(),
    },
    {
      id: 'fmp',
      label_en: 'VA Foreign Medical Program (FMP)',
      label_jp: 'VA 海外医療プログラム(FMP)',
      description_en: 'Service-connected disability care abroad through VA. Requires SC rating.',
      description_jp: 'VA を通じた海外での服務関連障害の治療。SC 認定が必要。',
      auto_show: () => {
        const v = TB.state.get('veteran.disability') || {};
        return (v.overall_rating_pct || 0) > 0;
      },
      builder: () => buildFmpCard(),
    },
    {
      id: 'medicare',
      label_en: 'Medicare (Part A / B / D)',
      label_jp: 'Medicare(Part A / B / D)',
      description_en: 'US Medicare in Japan: Part B paid regardless of usage; care abroad NOT covered. Late-enrollment penalty creates asymmetric trap.',
      description_jp: '米国 Medicare:Part B 保険料は使用有無にかかわらず支払;海外医療は対象外。遅延加入罰則により判断が非対称。',
      auto_show: () => {
        const age = selfAge();
        return age == null || age >= 60;  // start showing 5y before 65
      },
      builder: () => buildMedicareCard(),
    },
    {
      id: 'ltc',
      label_en: '介護保険 (Long-term care insurance)',
      label_jp: '介護保険',
      description_en: 'Universal in Japan at age 40+. Premium scales with income. Tracks care level.',
      description_jp: '40 歳以上で日本で強制加入。保険料は所得に応じて変動。要介護度を追跡。',
      auto_show: () => ltcAppliesAuto(),
      builder: () => buildLtcCard(),
    },
    {
      id: 'end_of_life',
      label_en: 'End-of-life preferences',
      label_jp: '終末期の希望',
      description_en: 'Advance directive, organ donor, DNR. Cross-references Document Vault.',
      description_jp: '事前指示書・臓器提供・DNR。Document Vault と相互参照。',
      auto_show: () => true,
      builder: () => buildEndOfLifeCard(),
    },
    {
      id: 'budget',
      label_en: 'Monthly premium budget',
      label_jp: '月次保険料予算',
      description_en: 'Aggregated premiums across NHI / SHI / TRICARE / Medicare / LTC / private US.',
      description_jp: 'NHI・SHI・TRICARE・Medicare・LTC・米国民間保険の保険料を集計。',
      auto_show: () => true,
      builder: () => buildBudgetCard(),
    },
    { id: 'resources', always: true, builder: () => buildResourcesCard() },
  ];

  function render(container) {
    host = container;
    if (!listenerSet) {
      TB.customize.onChange(id, () => rerender());
      listenerSet = true;
    }
    container.innerHTML = '';
    SECTIONS.forEach((s) => {
      if (s.always || TB.customize.isSectionEnabled(id, s.id, s.auto_show)) {
        container.appendChild(s.builder());
      }
    });
    container.appendChild(TB.customize.buildPanel(id, SECTIONS));
  }
  function rerender() { if (host) render(host); }

  // ─── Header ───────────────────────────────────────────────────────

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    return el('div', { class: 'tb-card', 'data-track': 'health' },
      el('div', { class: 'tb-card-meta' },
        el('span', { class: 'tb-badge tb-badge--track', 'data-track': 'health' },
          t('health.badge')),
      ),
      el('h1', null, '🏥 ' + t('health.title')),
      el('p', { class: 'tb-card-meta' }, t('health.subtitle')),
    );
  }

  // ─── Coverage overview ───────────────────────────────────────────

  function buildOverviewCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const c = deriveCoverage();

    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📋 ' + t('health.section.overview')));

    const tiles = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(180px, 1fr))', gap: 'var(--tb-sp-3)' },
    });

    function tile(label, value, color, hint) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-2)', border: '1px solid var(--tb-border)',
          borderTop: '3px solid ' + (color || 'var(--tb-track-health)'),
        },
      },
        el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginBottom: '4px' } }, label),
        el('div', { style: { fontWeight: '700', fontSize: 'var(--tb-fs-18)' } }, value),
        hint ? el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginTop: '4px' } }, hint) : null,
      );
    }

    // ── Primary medical coverage tile ────────────────────────────
    // Picks whichever the user actually uses for routine care, in
    // priority order: TRICARE Active > Private/employer > NHI > SHI
    // > TRICARE retiree > Medicare alone.
    let primary;
    if (c.tricare && (vetStatus() === 'active' || c.tricare_plan === 'tricare_overseas')) {
      primary = { label: 'TRICARE', color: 'var(--tb-success)', hint: c.tricare_plan || 'enrolled' };
    } else if (c.private_intl) {
      primary = { label: '✓ ' + (c.private_label || 'Private intl'), color: 'var(--tb-success)',
        hint: t('health.overview.private_intl') };
    } else if (c.nhi) {
      primary = { label: '✓ NHI', color: 'var(--tb-success)', hint: t('health.overview.nhi_active') };
    } else if (c.shi) {
      primary = { label: '✓ SHI', color: 'var(--tb-success)', hint: t('health.overview.shi_active') };
    } else if (c.tricare) {
      primary = { label: '✓ TRICARE', color: 'var(--tb-success)', hint: c.tricare_plan || 'retiree' };
    } else if (c.medicare_b) {
      primary = { label: '✓ Medicare', color: 'var(--tb-warn)', hint: t('health.overview.medicare_only_hint') };
    } else if (c.nhi_exempt) {
      // SOFA exempt + no recorded coverage — needs attention
      primary = { label: '⚠ ' + t('health.overview.no_primary'), color: 'var(--tb-warn)',
        hint: t('health.overview.sofa_add_private') };
    } else if (isJpResident()) {
      // JP resident, not SOFA, no coverage — actual problem
      primary = { label: '⚠ ' + t('health.overview.no_primary'), color: 'var(--tb-error)',
        hint: t('health.overview.jp_resident_required') };
    } else {
      primary = { label: t('health.overview.na'), color: 'var(--tb-text-soft)', hint: null };
    }
    tiles.appendChild(tile(t('health.overview.primary_coverage'), primary.label, primary.color, primary.hint));

    // ── JP system status (NHI / SHI / Exempt) ────────────────────
    let jpStatus, jpColor, jpHint;
    if (c.nhi) {
      jpStatus = '✓ NHI'; jpColor = 'var(--tb-success)';
      jpHint = t('health.overview.jp_enrolled');
    } else if (c.shi) {
      jpStatus = '✓ SHI'; jpColor = 'var(--tb-success)';
      jpHint = t('health.overview.jp_enrolled');
    } else if (c.nhi_exempt) {
      // SOFA users are EXEMPT — this is the correct state, not an error
      jpStatus = '○ ' + t('health.overview.sofa_exempt'); jpColor = 'var(--tb-text-soft)';
      jpHint = t('health.overview.sofa_exempt_hint');
    } else if (isJpResident()) {
      jpStatus = '⚠ ' + t('health.overview.jp_required'); jpColor = 'var(--tb-error)';
      jpHint = t('health.overview.jp_required_hint');
    } else {
      jpStatus = t('health.overview.na'); jpColor = 'var(--tb-text-soft)';
    }
    tiles.appendChild(tile(t('health.overview.jp_system'), jpStatus, jpColor, jpHint));

    // ── TRICARE ──────────────────────────────────────────────────
    if (vetStatus() !== 'no' && vetStatus()) {
      let trStatus, trColor, trHint;
      if (c.tricare) {
        const planLabel = (TRICARE_PLANS.find((p) => p.id === c.tricare_plan) || {}).label_en || 'enrolled';
        trStatus = '✓ ' + planLabel.split(' (')[0]; trColor = 'var(--tb-success)';
      } else if (vetStatus() === 'retired' || vetStatus() === 'active') {
        trStatus = '○ ' + t('health.overview.tricare_eligible'); trColor = 'var(--tb-warn)';
      } else {
        trStatus = t('health.overview.na'); trColor = 'var(--tb-text-soft)';
        trHint = t('health.overview.tricare_not_for_status');
      }
      tiles.appendChild(tile('TRICARE', trStatus, trColor, trHint));
    }

    // ── Medicare ─────────────────────────────────────────────────
    let mcStatus, mcColor;
    if (c.medicare_a && c.medicare_b) { mcStatus = '✓ A + B' + (c.medicare_d ? ' + D' : ''); mcColor = 'var(--tb-success)'; }
    else if (c.medicare_a) { mcStatus = '✓ A only'; mcColor = 'var(--tb-warn)'; }
    else if (selfAge() != null && selfAge() >= 65) { mcStatus = '⚠ ' + t('health.overview.medicare_due'); mcColor = 'var(--tb-error)'; }
    else { mcStatus = t('health.overview.medicare_pre'); mcColor = 'var(--tb-text-soft)'; }
    tiles.appendChild(tile('Medicare', mcStatus, mcColor));

    // ── LTC ──────────────────────────────────────────────────────
    let ltcStatus, ltcColor;
    if (c.ltc_enrolled) { ltcStatus = '✓ ' + (getLtc().care_level || t('health.overview.ltc_enrolled')); ltcColor = 'var(--tb-success)'; }
    else if (c.ltc_eligible) { ltcStatus = '✓ ' + t('health.overview.ltc_paying'); ltcColor = 'var(--tb-success)'; }
    else { ltcStatus = t('health.overview.na'); ltcColor = 'var(--tb-text-soft)'; }
    tiles.appendChild(tile('介護保険', ltcStatus, ltcColor));

    // ── Advance directive ────────────────────────────────────────
    tiles.appendChild(tile(
      t('health.overview.advance_directive'),
      c.advance_directive ? '✓ ' + t('health.overview.in_vault') : '○ ' + t('health.overview.not_filed'),
      c.advance_directive ? 'var(--tb-success)' : 'var(--tb-warn)',
    ));

    card.appendChild(tiles);

    // ── Quick takes (context-aware) ──────────────────────────────
    const takes = el('ul', {
      style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)' },
    });
    // Only fire JP-coverage warning for users who AREN'T SOFA-exempt
    if (isJpResident() && !c.nhi && !c.shi && !c.nhi_exempt) {
      takes.appendChild(el('li', { style: { color: 'var(--tb-error)' } },
        '⚠ ' + t('health.overview.take.no_jp_coverage')));
    }
    // SOFA + no recorded private plan
    if (c.nhi_exempt && !c.private_intl && !c.tricare && !c.medicare_b) {
      takes.appendChild(el('li', { style: { color: 'var(--tb-warn)' } },
        '⚠ ' + t('health.overview.take.sofa_no_private')));
    }
    if (c.medicare_b && isJpResident() && !c.tricare) {
      takes.appendChild(el('li', { style: { color: 'var(--tb-warn)' } },
        '⚠ ' + t('health.overview.take.medicare_b_unused')));
    }
    if (selfAge() != null && selfAge() >= 64 && !c.medicare_a && !c.medicare_b) {
      takes.appendChild(el('li', { style: { color: 'var(--tb-error)' } },
        '⚠ ' + t('health.overview.take.medicare_decision')));
    }
    if (!c.advance_directive) {
      takes.appendChild(el('li', null, t('health.overview.take.advance_directive')));
    }
    if (takes.children.length > 0) card.appendChild(takes);

    return card;
  }

  // ─── NHI / SHI card ──────────────────────────────────────────────

  function buildNhiCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const r = getResidentNhi();
    const exempt = isExemptFromNhi();

    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🇯🇵 ' + t('health.section.nhi')),
      el('a', {
        href: '#', style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)' },
        onclick: (e) => {
          e.preventDefault();
          document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'resident' } }));
        },
      }, t('health.nhi.edit_in_resident') + ' →'),
    ));

    const enrolled = r.enrolled;

    // Status banner — context-aware. Three states:
    //   1. Enrolled            → green, ✓
    //   2. SOFA-exempt         → neutral, ○ (correct state, not an error)
    //   3. Not enrolled + req'd → red, ⚠ (actual problem)
    let bannerColor, bannerLabel, bannerText;
    if (enrolled) {
      bannerColor = 'var(--tb-success)';
      bannerLabel = '✓ ' + t('health.nhi.status_label') + ': ' + t('health.nhi.enrolled');
      bannerText = null;
    } else if (exempt) {
      bannerColor = 'var(--tb-text-soft)';
      bannerLabel = '○ ' + t('health.nhi.exempt_label');
      bannerText = t('health.nhi.exempt_body');
    } else {
      bannerColor = 'var(--tb-error)';
      bannerLabel = '⚠ ' + t('health.nhi.status_label') + ': ' + t('health.nhi.not_enrolled');
      bannerText = t('health.nhi.required_body');
    }

    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        borderLeft: '3px solid ' + bannerColor,
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-2)',
      },
    },
      el('div', { style: { fontWeight: '600' } }, bannerLabel),
      bannerText
        ? el('div', { class: 'tb-field-help', style: { marginTop: '4px' } }, bannerText)
        : null,
      r.prior_year_assessment_jpy != null
        ? el('div', { class: 'tb-field-help', style: { marginTop: '4px' } },
            t('health.nhi.assessment') + ': ¥' + r.prior_year_assessment_jpy.toLocaleString())
        : null,
    ));

    // Cross-reference to private/employer coverage when SOFA-exempt
    if (exempt) {
      card.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-track-health)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)',
        },
      },
        '💡 ' + t('health.nhi.see_private_card')));
    }

    // Education content
    const points = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)' } });
    [
      'health.nhi.point.universal',
      'health.nhi.point.30pct_copay',
      'health.nhi.point.high_cost_subsidy',
      'health.nhi.point.shi_alternative',
      'health.nhi.point.sofa_exception',
    ].forEach((k) => points.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(points);

    return card;
  }

  // ─── TRICARE card ────────────────────────────────────────────────

  function buildTricareCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const v = getVeteranHealthcare();

    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🪖 ' + t('health.section.tricare')),
      el('a', {
        href: '#', style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)' },
        onclick: (e) => {
          e.preventDefault();
          document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'veteran' } }));
        },
      }, t('health.tricare.edit_in_veteran') + ' →'),
    ));

    const planLabel = (TRICARE_PLANS.find((p) => p.id === v.tricare_plan) || {}).label_en
      || (v.tricare_eligible ? t('health.tricare.eligible_no_plan') : t('health.tricare.not_set'));

    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        borderLeft: '3px solid var(--tb-success)',
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-2)',
      },
    },
      el('div', { style: { fontWeight: '600' } }, t('health.tricare.current_plan') + ': ' + planLabel),
    ));

    const points = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)' } });
    [
      'health.tricare.point.overseas_works',
      'health.tricare.point.tfl',
      'health.tricare.point.dependent_age_out',
      'health.tricare.point.cash_pay_then_claim',
      'health.tricare.point.no_jp_coordination',
    ].forEach((k) => points.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(points);

    return card;
  }

  // ─── FMP card ────────────────────────────────────────────────────

  function buildFmpCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const v = getVeteranHealthcare();
    const disability = TB.state.get('veteran.disability') || {};

    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🇺🇸 ' + t('health.section.fmp')));

    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        borderLeft: '3px solid ' + (v.fmp_enrolled ? 'var(--tb-success)' : 'var(--tb-warn)'),
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-2)',
      },
    },
      el('div', { style: { fontWeight: '600' } },
        (v.fmp_enrolled ? '✓ ' : '○ ') +
        (v.fmp_enrolled ? t('health.fmp.enrolled') : t('health.fmp.not_enrolled'))),
      el('div', { class: 'tb-field-help', style: { marginTop: '4px' } },
        t('health.fmp.disability_rating') + ': ' + (disability.overall_rating_pct || 0) + '%'),
    ));

    const points = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)' } });
    [
      'health.fmp.point.sc_only',
      'health.fmp.point.reimbursement',
      'health.fmp.point.preauth',
      'health.fmp.point.no_iu',
    ].forEach((k) => points.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(points);

    return card;
  }

  // ─── Private / employer international insurance card ────────────

  function buildPrivateCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const p = getPrivate();
    const exp = expectedPrimaryCoverage();

    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🏢 ' + t('health.section.private')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openPrivateModal() }, '✎ ' + t('health.edit')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('health.private.intro')));

    const planLabel = privatePlanLabel();
    const enrolled = !!planLabel;

    // Status banner
    let bannerColor, bannerText;
    if (enrolled) {
      bannerColor = 'var(--tb-success)';
      bannerText = '✓ ' + planLabel;
    } else if (exp === 'private_intl' || exp === 'fehb') {
      bannerColor = 'var(--tb-warn)';
      bannerText = '○ ' + t('health.private.expected_not_set');
    } else {
      bannerColor = 'var(--tb-text-soft)';
      bannerText = '○ ' + t('health.private.none');
    }

    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        borderLeft: '3px solid ' + bannerColor,
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-2)',
      },
    },
      el('div', { style: { fontWeight: '600' } }, bannerText),
      enrolled && (p.monthly_premium_usd || p.monthly_premium_jpy)
        ? el('div', { class: 'tb-field-help', style: { marginTop: '4px' } },
            t('health.private.premium') + ': ' +
            (p.monthly_premium_usd ? '$' + p.monthly_premium_usd + '/mo' : '') +
            (p.monthly_premium_usd && p.monthly_premium_jpy ? ' · ' : '') +
            (p.monthly_premium_jpy ? '¥' + p.monthly_premium_jpy.toLocaleString() + '/mo' : '') +
            (p.employer_paid === 'fully' ? ' · ' + t('health.private.employer_fully') :
              p.employer_paid === 'partially' ? ' · ' + t('health.private.employer_partial') :
              p.employer_paid === 'self' ? ' · ' + t('health.private.self_pay') : ''))
        : null,
      p.notes ? el('div', { class: 'tb-field-help', style: { marginTop: '4px' } }, p.notes) : null,
    ));

    // Education content
    const points = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)' } });
    [
      'health.private.point.cigna_global',
      'health.private.point.coordinate_with_jp',
      'health.private.point.no_jp_coverage_substitute',
      'health.private.point.dependent_coverage',
      'health.private.point.transition_planning',
    ].forEach((k) => points.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(points);

    return card;
  }

  function openPrivateModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({
      type: null, custom_name: '',
      monthly_premium_usd: null, monthly_premium_jpy: null,
      employer_paid: null, notes: '',
    }, getPrivate());

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('health.modal.private')));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    // Plan type — also re-renders the modal so 'other' shows the
    // custom_name field.
    const customNameRow = el('div', { class: 'tb-field' });
    function paintCustomNameRow() {
      customNameRow.innerHTML = '';
      if (draft.type === 'other') {
        customNameRow.appendChild(el('label', { class: 'tb-field-label' }, t('health.private.custom_name')));
        customNameRow.appendChild(el('input', { type: 'text', class: 'tb-input',
          value: draft.custom_name || '',
          oninput: (e) => { draft.custom_name = e.target.value; } }));
      }
    }

    modal.appendChild(field(t('health.private.plan_type'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.type = e.target.value || null; paintCustomNameRow(); } },
        el('option', { value: '', selected: !draft.type }, '—'),
        ...PRIVATE_PLANS.map((pp) => el('option', {
          value: pp.id, selected: draft.type === pp.id,
        }, pp.label_en)),
      )));
    modal.appendChild(customNameRow);
    paintCustomNameRow();

    modal.appendChild(field(t('health.private.premium_usd'),
      el('input', { type: 'number', class: 'tb-input', step: '1', min: '0',
        value: draft.monthly_premium_usd != null ? draft.monthly_premium_usd : '',
        placeholder: '0',
        oninput: (e) => {
          const v = parseFloat(e.target.value);
          draft.monthly_premium_usd = isFinite(v) ? v : null;
        } }),
      t('health.private.premium_usd.help')));

    modal.appendChild(field(t('health.private.premium_jpy'),
      el('input', { type: 'number', class: 'tb-input', step: '100', min: '0',
        value: draft.monthly_premium_jpy != null ? draft.monthly_premium_jpy : '',
        placeholder: '0',
        oninput: (e) => {
          const v = parseFloat(e.target.value);
          draft.monthly_premium_jpy = isFinite(v) ? v : null;
        } }),
      t('health.private.premium_jpy.help')));

    modal.appendChild(field(t('health.private.employer_paid_label'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.employer_paid = e.target.value || null; } },
        el('option', { value: '', selected: !draft.employer_paid }, '—'),
        el('option', { value: 'fully',     selected: draft.employer_paid === 'fully' },     t('health.private.employer_fully')),
        el('option', { value: 'partially', selected: draft.employer_paid === 'partially' }, t('health.private.employer_partial')),
        el('option', { value: 'self',      selected: draft.employer_paid === 'self' },      t('health.private.self_pay')),
      )));

    modal.appendChild(field(t('health.private.notes'),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.notes = e.target.value; } }, draft.notes || ''),
      t('health.private.notes.help')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('health.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('private', draft); close(); rerender(); } }, t('health.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Medicare card ───────────────────────────────────────────────

  function buildMedicareCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const m = getMedicare();
    const age = selfAge();

    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🇺🇸 ' + t('health.section.medicare')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openMedicareModal() }, '✎ ' + t('health.edit')),
    ));

    // Reality-check banner
    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-warn)',
        background: 'rgba(185,122,26,0.06)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-14)',
      },
    },
      el('div', { style: { fontWeight: '600', marginBottom: '4px' } },
        '⚠ ' + t('health.medicare.reality_label')),
      el('p', { style: { margin: 0 } }, t('health.medicare.reality_body')),
    ));

    // Status grid
    const grid = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(140px, 1fr))', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-3)' },
    });
    function partTile(label, enrolled, note) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)',
          borderLeft: '3px solid ' + (enrolled ? 'var(--tb-success)' : 'var(--tb-text-soft)'),
        },
      },
        el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' } }, label),
        el('div', { style: { fontWeight: '700' } },
          (enrolled ? '✓ ' : '○ ') + (enrolled ? t('health.medicare.enrolled') : t('health.medicare.not_enrolled'))),
        note ? el('div', { class: 'tb-field-help', style: { marginTop: '2px' } }, note) : null,
      );
    }
    grid.appendChild(partTile('Part A', m.enrolled_a, t('health.medicare.part_a_hint')));
    grid.appendChild(partTile('Part B', m.enrolled_b,
      m.part_b_premium_monthly_usd ? '$' + m.part_b_premium_monthly_usd + '/mo'
        : (m.enrolled_b ? '$' + MEDICARE_PART_B_BASE_2026.toFixed(2) + '/mo' : t('health.medicare.part_b_hint'))));
    grid.appendChild(partTile('Part D', m.enrolled_d, t('health.medicare.part_d_hint')));
    card.appendChild(grid);

    // Decision tree text
    const decision = el('div', {
      style: { marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        fontSize: 'var(--tb-fs-12)' },
    });
    decision.appendChild(el('div', { style: { fontWeight: '600', marginBottom: '4px' } },
      t('health.medicare.decision_label')));
    const ul = el('ul', { style: { margin: 0, paddingLeft: '20px' } });
    [
      'health.medicare.decision.point1',
      'health.medicare.decision.point2',
      'health.medicare.decision.point3',
      'health.medicare.decision.point4',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '4px' } }, t(k))));
    decision.appendChild(ul);
    card.appendChild(decision);

    if (m.part_b_decision_notes) {
      card.appendChild(el('div', {
        style: { marginTop: 'var(--tb-sp-2)', padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          fontSize: 'var(--tb-fs-12)', borderLeft: '3px solid var(--tb-track-health)' },
      },
        el('div', { style: { fontWeight: '600' } }, t('health.medicare.your_notes')),
        el('div', { style: { marginTop: '4px' } }, m.part_b_decision_notes),
      ));
    }

    return card;
  }

  function openMedicareModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({
      enrolled_a: false, enrolled_b: false, enrolled_d: false,
      part_b_premium_monthly_usd: null,
      part_b_decision: null, part_b_decision_notes: '',
    }, getMedicare());

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('health.modal.medicare')));

    function checkbox(label, key, help) {
      const cb = el('input', { type: 'checkbox', checked: !!draft[key],
        style: { marginRight: '8px' },
        onchange: (e) => { draft[key] = !!e.target.checked; } });
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
          cb, label),
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }
    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    modal.appendChild(checkbox(t('health.medicare.enrolled_a'), 'enrolled_a', t('health.medicare.part_a_hint')));
    modal.appendChild(checkbox(t('health.medicare.enrolled_b'), 'enrolled_b', t('health.medicare.part_b_hint')));
    modal.appendChild(field(t('health.medicare.part_b_premium'),
      el('input', { type: 'number', class: 'tb-input', step: '1', min: '0',
        value: draft.part_b_premium_monthly_usd != null ? draft.part_b_premium_monthly_usd : '',
        placeholder: MEDICARE_PART_B_BASE_2026.toFixed(2),
        oninput: (e) => {
          const v = parseFloat(e.target.value);
          draft.part_b_premium_monthly_usd = isFinite(v) ? v : null;
        } }),
      t('health.medicare.part_b_premium.help')));
    modal.appendChild(checkbox(t('health.medicare.enrolled_d'), 'enrolled_d', t('health.medicare.part_d_hint')));

    modal.appendChild(field(t('health.medicare.decision_select'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.part_b_decision = e.target.value || null; } },
        el('option', { value: '', selected: !draft.part_b_decision }, '—'),
        el('option', { value: 'enrolled',  selected: draft.part_b_decision === 'enrolled' },
          t('health.medicare.decision.enrolled')),
        el('option', { value: 'declined',  selected: draft.part_b_decision === 'declined' },
          t('health.medicare.decision.declined')),
        el('option', { value: 'undecided', selected: draft.part_b_decision === 'undecided' },
          t('health.medicare.decision.undecided')),
      )));

    modal.appendChild(field(t('health.medicare.decision_notes'),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.part_b_decision_notes = e.target.value; } },
        draft.part_b_decision_notes || ''),
      t('health.medicare.decision_notes.help')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('health.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('medicare', draft); close(); rerender(); } }, t('health.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── 介護保険 (LTC) card ─────────────────────────────────────────

  function buildLtcCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lt = getLtc();
    const age = selfAge();

    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🧑‍⚕️ ' + t('health.section.ltc')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openLtcModal() }, '✎ ' + t('health.edit')),
    ));

    // Status banner
    const enrolled = !!lt.care_level || lt.applies === true;
    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        borderLeft: '3px solid ' + (enrolled ? 'var(--tb-success)' : 'var(--tb-track-health)'),
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-2)',
      },
    },
      el('div', { style: { fontWeight: '600' } },
        (age != null ? age + ' ' + t('health.ltc.age_years') + ' · ' : '') +
        (enrolled
          ? (lt.care_level
              ? '✓ ' + t('health.ltc.care_level') + ': ' + lt.care_level
              : '✓ ' + t('health.ltc.paying_premiums'))
          : (age != null && age >= 40 && isJpResident()
              ? t('health.ltc.should_be_paying')
              : t('health.ltc.not_yet_eligible')))),
      lt.monthly_premium_jpy
        ? el('div', { class: 'tb-field-help', style: { marginTop: '4px' } },
            t('health.ltc.monthly_premium') + ': ¥' + lt.monthly_premium_jpy.toLocaleString())
        : null,
    ));

    // Education content
    const points = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)' } });
    [
      'health.ltc.point.mandatory',
      'health.ltc.point.7_levels',
      'health.ltc.point.copay',
      'health.ltc.point.us_long_term_care_separate',
      'health.ltc.point.bridge_planning',
    ].forEach((k) => points.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(points);

    if (lt.funding_strategy_notes) {
      card.appendChild(el('div', {
        style: { marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          borderLeft: '3px solid var(--tb-track-health)' },
      },
        el('div', { style: { fontWeight: '600' } }, t('health.ltc.your_strategy')),
        el('div', { style: { marginTop: '4px', fontSize: 'var(--tb-fs-14)' } }, lt.funding_strategy_notes),
      ));
    }
    return card;
  }

  function openLtcModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({
      applies: null, care_level: null, monthly_premium_jpy: null, funding_strategy_notes: '',
    }, getLtc());

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('health.modal.ltc')));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    modal.appendChild(field(t('health.ltc.care_level'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.care_level = e.target.value || null; } },
        el('option', { value: '', selected: !draft.care_level }, t('health.ltc.no_care_level')),
        ...LTC_CARE_LEVELS.map((c) => el('option', {
          value: c.id, selected: draft.care_level === c.id,
        }, c.label_en)),
      ),
      t('health.ltc.care_level.help')));

    modal.appendChild(field(t('health.ltc.monthly_premium'),
      el('input', { type: 'number', class: 'tb-input', step: '100', min: '0',
        value: draft.monthly_premium_jpy != null ? draft.monthly_premium_jpy : '',
        placeholder: '5000',
        oninput: (e) => {
          const v = parseFloat(e.target.value);
          draft.monthly_premium_jpy = isFinite(v) ? v : null;
        } }),
      t('health.ltc.monthly_premium.help')));

    modal.appendChild(field(t('health.ltc.strategy_notes'),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.funding_strategy_notes = e.target.value; } },
        draft.funding_strategy_notes || ''),
      t('health.ltc.strategy_notes.help')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('health.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('ltc', draft); close(); rerender(); } }, t('health.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── End-of-life preferences ─────────────────────────────────────

  function buildEndOfLifeCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const eol = getEol();

    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🕊 ' + t('health.section.end_of_life')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openEolModal() }, '✎ ' + t('health.edit')),
    ));

    // Advance directive status pulled from Document Vault
    const ad = hasAdvanceDirective();
    const poa = hasMedicalPoa();
    const docRow = el('div', {
      style: {
        display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        borderLeft: '3px solid ' + (ad ? 'var(--tb-success)' : 'var(--tb-warn)'),
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-2)',
      },
    });
    docRow.appendChild(el('div', null,
      el('div', { style: { fontWeight: '600' } },
        (ad ? '✓ ' : '○ ') + t('health.eol.advance_directive')),
      el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
        (poa ? '✓ ' : '○ ') + t('health.eol.medical_poa')),
    ));
    docRow.appendChild(el('a', { href: '#',
      style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)', whiteSpace: 'nowrap' },
      onclick: (e) => {
        e.preventDefault();
        document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'document-vault' } }));
      },
    }, t('health.eol.add_to_vault') + ' →'));
    card.appendChild(docRow);

    // Preferences
    const dl = el('dl', { class: 'tb-dl', style: { marginTop: 'var(--tb-sp-3)' } });
    function row(label, val) {
      dl.appendChild(el('dt', null, label));
      dl.appendChild(el('dd', null, val || '—'));
    }
    row(t('health.eol.organ_donor_us'), eol.organ_donor_us == null ? '—' : (eol.organ_donor_us ? '✓' : '○'));
    row(t('health.eol.organ_donor_jp'), eol.organ_donor_jp == null ? '—' : (eol.organ_donor_jp ? '✓' : '○'));
    row(t('health.eol.dnr'), eol.dnr_preference || '—');
    if (eol.funeral_preference_notes) {
      row(t('health.eol.funeral_notes'), eol.funeral_preference_notes);
    }
    card.appendChild(dl);

    return card;
  }

  function openEolModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({
      organ_donor_us: null, organ_donor_jp: null,
      dnr_preference: null, funeral_preference_notes: '',
    }, getEol());

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('health.modal.eol')));

    function checkbox(label, key) {
      const cb = el('input', { type: 'checkbox', checked: !!draft[key],
        style: { marginRight: '8px' },
        onchange: (e) => { draft[key] = !!e.target.checked; } });
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
          cb, label),
      );
    }
    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    modal.appendChild(checkbox(t('health.eol.organ_donor_us'), 'organ_donor_us'));
    modal.appendChild(checkbox(t('health.eol.organ_donor_jp'), 'organ_donor_jp'));

    modal.appendChild(field(t('health.eol.dnr'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.dnr_preference = e.target.value || null; } },
        el('option', { value: '', selected: !draft.dnr_preference }, '—'),
        el('option', { value: 'yes',     selected: draft.dnr_preference === 'yes' }, t('health.eol.dnr.yes')),
        el('option', { value: 'no',      selected: draft.dnr_preference === 'no' }, t('health.eol.dnr.no')),
        el('option', { value: 'limited', selected: draft.dnr_preference === 'limited' }, t('health.eol.dnr.limited')),
      ),
      t('health.eol.dnr.help')));

    modal.appendChild(field(t('health.eol.funeral_notes'),
      el('textarea', { class: 'tb-input', rows: 4,
        oninput: (e) => { draft.funeral_preference_notes = e.target.value; } },
        draft.funeral_preference_notes || '')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('health.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('end_of_life', draft); close(); rerender(); } }, t('health.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Monthly premium budget ──────────────────────────────────────

  // Returns the set of premium "lines" that apply to this user. Used
  // both by the budget card intro text and by the modal to scope which
  // input fields appear.
  function applicableBudgetLines() {
    const c = deriveCoverage();
    const exp = expectedPrimaryCoverage();
    const v = vetStatus();
    const isVet = v && v !== 'no';
    const lines = [];
    // NHI / SHI — only if non-SOFA JP resident
    if (isJpResident() && !c.nhi_exempt) {
      lines.push('nhi_jpy', 'shi_jpy');
    }
    // Private / employer international — covered by Private card already,
    // but include in modal if user might want a manual override slot
    if (c.private_intl || exp === 'private_intl' || exp === 'fehb') {
      lines.push('private_intl');
    }
    // TRICARE — only veterans
    if (isVet && (v === 'active' || v === 'retired' || c.tricare)) {
      lines.push('tricare_usd');
    }
    // Medicare — age 60+ or already enrolled
    const age = selfAge();
    if ((age != null && age >= 60) || c.medicare_a || c.medicare_b || c.medicare_d) {
      lines.push('medicare_b_usd', 'medicare_d_usd');
    }
    // 介護保険 — auto-applies at JP resident 40+
    if (c.ltc_eligible || c.ltc_enrolled || (age != null && age >= 35 && isJpResident())) {
      lines.push('ltc_jpy');
    }
    // Private US insurance — generic catch-all (always available as a
    // manual line, e.g., dental, vision, supplemental)
    lines.push('private_us_usd');
    return lines;
  }

  function buildBudgetCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const b = getBudget();
    const lt = getLtc();
    const m = getMedicare();
    const applicable = applicableBudgetLines();

    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '💴 ' + t('health.section.budget')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openBudgetModal() }, '✎ ' + t('health.edit')),
    ));
    // Build context-specific intro text listing the applicable lines.
    const labels = {
      nhi_jpy: 'NHI', shi_jpy: 'SHI',
      private_intl: t('health.budget.line.private'),
      tricare_usd: 'TRICARE',
      medicare_b_usd: 'Medicare', medicare_d_usd: '',
      ltc_jpy: '介護保険',
      private_us_usd: t('health.budget.line.private_us'),
    };
    const lineLabels = applicable
      .map((k) => labels[k])
      .filter((l, i, arr) => l && arr.indexOf(l) === i);  // unique non-empty
    card.appendChild(el('p', { class: 'tb-card-meta' },
      t('health.budget.intro_prefix') +
      (lineLabels.length > 0 ? ' ' + lineLabels.join(' / ') + '.' : '')));

    // Synthesize: pull LTC from ltc.monthly_premium_jpy, Medicare B from
    // medicare.part_b_premium_monthly_usd if available.
    const fxJpyPerUsd = (TB.assets && typeof TB.assets.toUsd === 'function')
      ? 1 / TB.assets.toUsd(1, 'JPY') : 150;

    const items = [];
    const priv = getPrivate();
    if (b.nhi_jpy)        items.push({ label: 'NHI', jpy: b.nhi_jpy });
    if (b.shi_jpy)        items.push({ label: 'SHI', jpy: b.shi_jpy });
    // Pull private/employer premium from the Private card record
    if (priv.monthly_premium_usd || priv.monthly_premium_jpy) {
      const label = privatePlanLabel() || 'Private intl';
      items.push({ label,
        usd: priv.monthly_premium_usd || null,
        jpy: priv.monthly_premium_jpy || null });
    }
    if (b.tricare_usd)    items.push({ label: 'TRICARE', usd: b.tricare_usd });
    if (b.medicare_b_usd || (m.enrolled_b && m.part_b_premium_monthly_usd)) {
      items.push({ label: 'Medicare Part B',
        usd: b.medicare_b_usd || m.part_b_premium_monthly_usd });
    }
    if (b.medicare_d_usd) items.push({ label: 'Medicare Part D', usd: b.medicare_d_usd });
    if (b.ltc_jpy || lt.monthly_premium_jpy) {
      items.push({ label: '介護保険', jpy: b.ltc_jpy || lt.monthly_premium_jpy });
    }
    if (b.private_us_usd) items.push({ label: 'Private US insurance', usd: b.private_us_usd });

    if (items.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('health.budget.empty')));
      return card;
    }

    const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px' } });
    let totalUsd = 0;
    let totalJpy = 0;
    items.forEach((it) => {
      const usd = it.usd != null ? it.usd : (it.jpy / fxJpyPerUsd);
      const jpy = it.jpy != null ? it.jpy : (it.usd * fxJpyPerUsd);
      totalUsd += usd;
      totalJpy += jpy;
      list.appendChild(el('div', {
        style: {
          display: 'grid', gridTemplateColumns: '1fr auto auto',
          gap: 'var(--tb-sp-3)', alignItems: 'baseline',
          padding: '6px var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)',
        },
      },
        el('span', null, it.label),
        el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)' } },
          '¥' + Math.round(jpy).toLocaleString() + '/mo'),
        el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' } },
          '$' + Math.round(usd).toLocaleString()),
      ));
    });
    card.appendChild(list);

    // Total
    card.appendChild(el('div', {
      style: {
        display: 'grid', gridTemplateColumns: '1fr auto auto', gap: 'var(--tb-sp-3)',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'rgba(178, 58, 74, 0.06)',
        borderRadius: 'var(--tb-radius-2)', marginTop: 'var(--tb-sp-3)',
        borderLeft: '4px solid var(--tb-track-health)', alignItems: 'baseline',
      },
    },
      el('span', { style: { fontWeight: '700' } }, t('health.budget.total_monthly')),
      el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700', fontSize: 'var(--tb-fs-18)' } },
        '¥' + Math.round(totalJpy).toLocaleString()),
      el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-14)', color: 'var(--tb-text-soft)' } },
        '$' + Math.round(totalUsd).toLocaleString()),
    ));

    // Annual
    card.appendChild(el('div', {
      style: {
        display: 'grid', gridTemplateColumns: '1fr auto auto', gap: 'var(--tb-sp-3)',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)', marginTop: '4px', alignItems: 'baseline',
        fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)',
      },
    },
      el('span', null, t('health.budget.total_annual')),
      el('span', { style: { fontFamily: 'var(--tb-font-mono)' } },
        '¥' + Math.round(totalJpy * 12).toLocaleString()),
      el('span', { style: { fontFamily: 'var(--tb-font-mono)' } },
        '$' + Math.round(totalUsd * 12).toLocaleString()),
    ));

    return card;
  }

  function openBudgetModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({
      nhi_jpy: null, shi_jpy: null, tricare_usd: null,
      medicare_b_usd: null, medicare_d_usd: null,
      ltc_jpy: null, private_us_usd: null, notes: '',
    }, getBudget());

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('health.modal.budget')));
    modal.appendChild(el('p', { class: 'tb-card-meta' }, t('health.budget.modal_help')));

    function num(label, key, currency, placeholder) {
      const isJpy = currency === 'jpy';
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label + ' (' + (isJpy ? '¥' : '$') + ')'),
        el('input', { type: 'number', class: 'tb-input',
          step: isJpy ? '100' : '1', min: '0',
          value: draft[key] != null ? draft[key] : '',
          placeholder: placeholder || '',
          oninput: (e) => {
            const v = parseFloat(e.target.value);
            draft[key] = isFinite(v) ? v : null;
          } }),
      );
    }

    // Field metadata — only render fields whose key is in the
    // applicable list.
    const FIELDS = {
      nhi_jpy:        { label: 'NHI', currency: 'jpy', placeholder: '20000' },
      shi_jpy:        { label: 'SHI', currency: 'jpy', placeholder: '0' },
      tricare_usd:    { label: 'TRICARE', currency: 'usd', placeholder: '0' },
      medicare_b_usd: { label: 'Medicare Part B', currency: 'usd', placeholder: MEDICARE_PART_B_BASE_2026.toFixed(2) },
      medicare_d_usd: { label: 'Medicare Part D', currency: 'usd', placeholder: '40' },
      ltc_jpy:        { label: '介護保険', currency: 'jpy', placeholder: '5000' },
      private_us_usd: { label: t('health.budget.line.private_us'), currency: 'usd', placeholder: '0' },
    };
    const applicable = applicableBudgetLines().filter((k) => FIELDS[k]);
    if (applicable.length > 0) {
      const grid = el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-2)' } });
      applicable.forEach((k) => {
        const f = FIELDS[k];
        grid.appendChild(num(f.label, k, f.currency, f.placeholder));
      });
      modal.appendChild(grid);
    }
    // For private intl, show a callout instead of duplicating the field
    // (premium is set in the Private card itself)
    if (applicableBudgetLines().indexOf('private_intl') !== -1) {
      modal.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-health)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)',
        },
      }, '💡 ' + t('health.budget.private_link')));
    }

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('health.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('monthly_budget', draft); close(); rerender(); } }, t('health.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Resources ────────────────────────────────────────────────────

  function buildResourcesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const c = deriveCoverage();
    const age = selfAge();
    const vet = vetStatus();
    const isVet = vet && vet !== 'no';
    const hasDisability = (TB.state.get('veteran.disability.overall_rating_pct') || 0) > 0;

    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📚 ' + t('health.section.resources')));

    function resource(title, desc, url) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-health)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      },
        el('div', { style: { fontWeight: '600' } }, title),
        el('div', { class: 'tb-field-help', style: { margin: '4px 0' } }, desc),
        url ? el('a', { href: url, target: '_blank', rel: 'noopener noreferrer',
          style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)' } }, url + ' →') : null,
      );
    }

    // Each resource has an applicability predicate. We render only
    // resources that pass — otherwise users get a wall of links to
    // programs they don't qualify for. Customize panel can force-show
    // the whole card if hidden.
    const RESOURCES = [
      {
        key: 'medicare',
        applies: () => (age != null && age >= 60) ||
          c.medicare_a || c.medicare_b || c.medicare_d ||
          vet === 'retired',  // TFL retirees need Medicare A+B
        url: 'https://www.medicare.gov/',
      },
      {
        key: 'tricare_overseas',
        applies: () => isVet && (vet === 'active' || vet === 'retired'),
        url: 'https://tricare.mil/Plans/Eligibility/Overseas',
      },
      {
        key: 'fmp',
        applies: () => isVet && (hasDisability || c.fmp ||
          vet === 'separated_with_dis' || vet === 'retired'),
        url: 'https://www.va.gov/COMMUNITYCARE/programs/veterans/fmp/index.asp',
      },
      {
        key: 'mhlw',
        applies: () => isJpResident(),
        url: 'https://www.mhlw.go.jp/english/',
      },
      {
        key: 'ltc',
        applies: () => isJpResident() && (age == null || age >= 35),
        url: 'https://www.mhlw.go.jp/english/policy/care-welfare/care-welfare-elderly/index.html',
      },
      {
        key: 'cigna_intl',
        applies: () => {
          const p = getPrivate();
          return p.type === 'cigna_intl' || expectedPrimaryCoverage() === 'private_intl';
        },
        url: 'https://www.cignaglobal.com/',
      },
      {
        key: 'aetna_intl',
        applies: () => {
          const p = getPrivate();
          return p.type === 'aetna_intl';
        },
        url: 'https://www.aetnainternational.com/',
      },
      {
        key: 'fehb',
        applies: () => {
          const p = getPrivate();
          return p.type === 'fehb' || expectedPrimaryCoverage() === 'fehb';
        },
        url: 'https://www.opm.gov/healthcare-insurance/healthcare/',
      },
    ];

    let renderedAny = false;
    RESOURCES.forEach((r) => {
      if (!r.applies()) return;
      card.appendChild(resource(
        t('health.resources.' + r.key + '.title'),
        t('health.resources.' + r.key + '.body'),
        r.url,
      ));
      renderedAny = true;
    });

    if (!renderedAny) {
      card.appendChild(el('p', { class: 'tb-field-help' },
        t('health.resources.none_applicable')));
    }

    return card;
  }

  // ====================================================================
  // Action Center generators
  // ====================================================================

  function genNhiNotEnrolled() {
    if (!isJpResident()) return [];
    if (getResidentNhi().enrolled) return [];
    // SOFA-exempt users are NOT required to enroll — skip the warning
    if (isExemptFromNhi()) return [];
    return [{
      id: 'health_nhi_missing',
      group: 'health',
      urgency: 'high',
      icon: '🇯🇵',
      title: 'NHI / SHI not enrolled but you\'re a JP resident',
      body: 'Mandatory under JP law for residents. Enroll at city hall (市役所/区役所) — bring residence card. Premium based on prior-year income; can be substantial. Without coverage you\'re paying full price for any medical care AND legally non-compliant.',
      module: 'healthcare', snoozable: true,
    }];
  }

  // SOFA-exempt users (DoD contractors, US-company expats) likely have
  // employer-provided international insurance (CIGNA, Aetna, etc.).
  // Nudge them to record it so the budget aggregation works and
  // dependent age-out / transition planning is informed.
  function genPrivateCoverageGap() {
    if (!isExemptFromNhi()) return [];
    if (hasPrivateCoverage()) return [];
    const v = getVeteranHealthcare();
    // Skip if active TRICARE or Medicare B is the documented primary
    if (v.tricare_eligible || v.tricare_plan) return [];
    if (getMedicare().enrolled_b) return [];
    const exp = expectedPrimaryCoverage();
    if (exp !== 'private_intl' && exp !== 'fehb' && exp !== 'tricare_active') return [];
    return [{
      id: 'health_private_coverage_unrecorded',
      group: 'health',
      urgency: 'low',
      icon: '🏢',
      title: 'Private / employer health coverage not yet recorded',
      body: 'You\'re SOFA-status — exempt from NHI but typically covered by employer-provided international insurance (CIGNA International, Aetna International, FEHB, etc.). Add the plan in Healthcare → Private / employer international insurance so your budget aggregation reflects reality + you have a record for when coverage transitions (job change, retirement).',
      module: 'healthcare', snoozable: true,
    }];
  }

  function genMedicareDecisionApproaching() {
    const age = selfAge();
    if (age == null) return [];
    if (age < 64 || age > 66) return [];
    const m = getMedicare();
    if (m.part_b_decision === 'enrolled' || m.part_b_decision === 'declined') return [];
    return [{
      id: 'health_medicare_decision_' + age,
      group: 'health',
      urgency: 'high',
      icon: '🇺🇸',
      title: 'Medicare Part B decision window — you\'re ' + age,
      body: 'Initial Enrollment Period: 7 months around your 65th birthday. Part B in Japan is paid in full ($' + MEDICARE_PART_B_BASE_2026.toFixed(2) + '/mo) but doesn\'t cover care abroad. The late-enrollment penalty (10% of premium per 12mo delayed, FOR LIFE) makes this asymmetric. Document your decision in Healthcare → Medicare.',
      module: 'healthcare', snoozable: true,
    }];
  }

  function genLtcEnrollmentReminder() {
    const age = selfAge();
    if (age == null) return [];
    if (age < 39 || age > 41) return [];  // narrow window: turning 40
    if (!isJpResident()) return [];
    const lt = getLtc();
    if (lt.applies === true || lt.care_level || lt.monthly_premium_jpy) return [];
    return [{
      id: 'health_ltc_age_40',
      group: 'health',
      urgency: 'medium',
      icon: '🧑‍⚕️',
      title: '介護保険 enrollment at age 40 — automatic',
      body: 'Age 40 is when 介護保険 (long-term care insurance) becomes mandatory in Japan. Premium auto-deducted via NHI/SHI based on income. Document the monthly amount in Healthcare → 介護保険 so it shows in your healthcare budget aggregation.',
      module: 'healthcare', snoozable: true,
    }];
  }

  function genAdvanceDirectiveMissing() {
    if (hasAdvanceDirective()) return [];
    const age = selfAge();
    if (age == null) return [];
    if (age < 50) return [];  // start nudging at 50
    return [{
      id: 'health_advance_directive_missing',
      group: 'health',
      urgency: age >= 70 ? 'high' : 'medium',
      icon: '🕊',
      title: 'Advance directive not in Document Vault',
      body: 'An advance directive (生前指示書 / リビング・ウィル) documents your medical wishes if you can\'t communicate. Especially important for cross-border families: US and JP medical teams may have different defaults. File one in BOTH languages if you split time. Add to Healthcare → End-of-life + scan to Document Vault.',
      module: 'healthcare', snoozable: true,
    }];
  }

  function genDependentTricareGap() {
    const v = getVeteranHealthcare();
    if (!v.tricare_eligible && !v.tricare_plan) return [];
    const members = TB.state.get('family.members') || [];
    const deps = members.filter((m) => m.relationship === 'child');
    const out = [];
    deps.forEach((d) => {
      if (!d.birth_date) return;
      const age = ageInYears(d.birth_date);
      if (age == null) return;
      if (age >= 19 && age <= 21) {  // approaching 21st
        out.push({
          id: 'health_tricare_dep_age_out_' + d.id,
          group: 'health',
          urgency: age >= 20 ? 'medium' : 'low',
          icon: '🪖',
          title: 'TRICARE coverage ends at 21 — ' + (d.name_en || d.name_jp || 'dependent') + ' is ' + age,
          body: 'TRICARE dependent coverage normally ends at age 21 (or 23 if full-time student). Plan replacement coverage: TRICARE Young Adult ($299-$719/mo), private plan, NHI, employer SHI. Decide before the 21st birthday — gap = full out-of-pocket.',
          module: 'healthcare', snoozable: true,
        });
      }
    });
    return out;
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id, label_en: 'Healthcare', label_jp: '医療・健康保険', render,
    searchSections: SECTIONS,
  };

  window.TB.healthcare = {
    actionGenerators: [
      genNhiNotEnrolled, genPrivateCoverageGap, genMedicareDecisionApproaching,
      genLtcEnrollmentReminder, genAdvanceDirectiveMissing, genDependentTricareGap,
    ],
    deriveCoverage,
    isExemptFromNhi,
    expectedPrimaryCoverage,
    LTC_CARE_LEVELS,
    TRICARE_PLANS,
    PRIVATE_PLANS,
    MEDICARE_PART_B_BASE_2026,
  };
})();

</script>
  <script data-source="scripts/modules/health-tracker.js">
/* Taigan Bridge — modules/health-tracker.js  (v0.37.0)
 *
 * Health Tracker — operational layer for personal medical records.
 * Distinct from the Healthcare module (which covers insurance /
 * coverage strategy: Medicare timing, NHI vs SHI, EOL preferences,
 * premium budget). This module is "records and results":
 *
 *   • Exam log — each visit / lab draw / procedure with vitals,
 *     lab results, diagnoses, follow-up.
 *   • Lab Results — unified view across exams, with trend sparklines
 *     per test so you see "my A1C over the last 3 years" in one place.
 *   • Dashboard — latest vitals + trend cards + screenings due.
 *   • Care Plan — concerns, goals, preventive screenings, referrals,
 *     next appointments.
 *   • Meds & Tracking — current + historical medications, refill log.
 *   • Dental — separate cadence (~6mo), separate data shape.
 *   • Insurance & Notes — minimal "what's on the card" pull; deeper
 *     coverage planning lives in the Healthcare module.
 *
 * AI features (all consent-gated):
 *   • Vision import — drop a lab PDF or clinic-summary scan, Claude
 *     extracts structured values (vitals, lab results, diagnoses).
 *   • AI Advisor — pre-fills an Ask Taigan conversation with your
 *     recent exam(s) context for "what should I follow up on?"
 *
 * Action Center generators surface:
 *   • Annual physical due (>365d since last 'physical' exam)
 *   • Dental cleaning due (>180d since last_cleaning)
 *   • Preventive screening overdue (age-based defaults + user entries)
 *   • Medication refill due (next_refill_date within 14 days)
 *   • Abnormal lab result flagged (any exam with 'high'/'low'/'critical')
 *
 * Privacy:
 *   • All data local. No upload of files; vision extraction is opt-in
 *     and uses the centralized consent gate (see ai-client.js).
 *   • AI Advisor digest sanitizes — flag values + diagnoses, not raw
 *     PII like provider names + facility addresses.
 *
 * Built for personal use by the SOFA-contractor + JP-spouse household
 * pattern: both partners may have their own exam timelines, so we
 * track exams against the active TB profile (single-user). Spouse
 * tracking is a future phase (see Household Mode module).
 */

(function () {
  'use strict';

  const id = 'health-tracker';

  // ====================================================================
  // Reference data
  // ====================================================================

  // Ordered roughly by frequency in a typical year of care. "Other" is
  // intentionally last — it should be a last resort, not a default.
  const EXAM_TYPES = [
    { id: 'physical',      label_en: 'Annual physical',           label_jp: '健康診断' },
    { id: 'blood_panel',   label_en: 'Blood panel / lab work',    label_jp: '血液検査' },
    { id: 'imaging',       label_en: 'Imaging (X-ray, MRI, CT, etc.)', label_jp: '画像検査(X線・MRI・CT・他)' },
    { id: 'specialist',    label_en: 'Specialist visit',          label_jp: '専門医診察' },
    { id: 'procedure',     label_en: 'Procedure (endoscopy, biopsy, etc.)', label_jp: '処置(内視鏡・生検・他)' },
    { id: 'surgery',       label_en: 'Surgery / operation',       label_jp: '手術' },
    { id: 'screening',     label_en: 'Screening visit (mammogram, DEXA, etc.)', label_jp: '検診(マンモ・骨密度・他)' },
    { id: 'dental',        label_en: 'Dental visit',              label_jp: '歯科受診' },
    { id: 'vaccination',   label_en: 'Vaccination / immunization', label_jp: '予防接種' },
    { id: 'mental_health', label_en: 'Mental health / therapy',   label_jp: 'メンタルヘルス・カウンセリング' },
    { id: 'emergency',     label_en: 'ER / urgent care',          label_jp: '救急・緊急外来' },
    { id: 'telehealth',    label_en: 'Telehealth',                label_jp: 'オンライン診療' },
    { id: 'follow_up',     label_en: 'Follow-up',                 label_jp: 'フォローアップ' },
    { id: 'other',         label_en: 'Other',                     label_jp: 'その他' },
  ];

  // Common preventive screenings with default intervals. Adjusted for
  // a typical US person on US-side schedule (USPSTF guidelines), but
  // works as defaults — user can edit per-row.
  //
  // sex_applicable: 'all' | 'female' | 'male'. Used to filter the
  // library when health_tracker.preferences.sex is set. 'female-only'
  // and 'male-only' don't show up for the other sex unless the user
  // force-shows via custom entries. For users who haven't set their
  // sex preference yet, ALL screenings are shown with a setup banner
  // nudging them to filter.
  const PREVENTIVE_SCREENINGS_LIBRARY = [
    { id: 'colonoscopy',     label_en: 'Colonoscopy',            label_jp: '大腸内視鏡', start_age: 45, interval_years: 10, sex_applicable: 'all' },
    { id: 'mammogram',       label_en: 'Mammogram',              label_jp: '乳がん検診', start_age: 40, interval_years: 1, sex_applicable: 'female' },
    { id: 'pap_smear',       label_en: 'Pap smear / cervical',   label_jp: '子宮頸がん検診', start_age: 21, interval_years: 3, sex_applicable: 'female' },
    { id: 'prostate_psa',    label_en: 'PSA / prostate',          label_jp: '前立腺(PSA)', start_age: 50, interval_years: 1, sex_applicable: 'male' },
    { id: 'skin_check',      label_en: 'Full-body skin check',    label_jp: '皮膚科スクリーニング', start_age: 30, interval_years: 1, sex_applicable: 'all' },
    { id: 'eye_exam',        label_en: 'Eye exam',                label_jp: '眼科検診', start_age: 18, interval_years: 2, sex_applicable: 'all' },
    { id: 'lipid_panel',     label_en: 'Lipid panel',             label_jp: '脂質パネル', start_age: 35, interval_years: 5, sex_applicable: 'all' },
    { id: 'bone_density',    label_en: 'Bone density / DEXA',     label_jp: '骨密度', start_age: 65, interval_years: 2, sex_applicable: 'all' },
    { id: 'a1c',             label_en: 'A1C (diabetes screen)',   label_jp: 'A1C(糖尿病)', start_age: 35, interval_years: 3, sex_applicable: 'all' },
    { id: 'lung_ct',         label_en: 'Low-dose lung CT',        label_jp: '低線量肺 CT', start_age: 50, interval_years: 1, sex_applicable: 'all' },
    { id: 'hep_c',           label_en: 'Hepatitis C screen',      label_jp: 'C 型肝炎スクリーニング', start_age: 18, interval_years: 999, sex_applicable: 'all' },
    { id: 'tdap_booster',    label_en: 'Tdap booster',            label_jp: 'Tdap 追加接種', start_age: 19, interval_years: 10, sex_applicable: 'all' },
    { id: 'flu_shot',        label_en: 'Influenza vaccine',       label_jp: 'インフルエンザワクチン', start_age: 6, interval_years: 1, sex_applicable: 'all' },
    { id: 'shingles',        label_en: 'Shingles vaccine',        label_jp: '帯状疱疹ワクチン', start_age: 50, interval_years: 999, sex_applicable: 'all' },
    { id: 'aaa_screen',      label_en: 'AAA ultrasound (one-time)', label_jp: '腹部大動脈瘤エコー(1 回)', start_age: 65, interval_years: 999, sex_applicable: 'male' },
  ];

  // Keyword / lab-name signals that identify a screening as completed
  // when an exam record contains them. Used by `inferScreeningsFromExam`
  // to auto-update `cp.preventive_screenings_due[*].last_done` whenever
  // a new exam comes in. Two channels per matcher:
  //   • text:  regex matched against type + diagnoses + procedures +
  //            followup + notes + ai_summary + document titles+summaries
  //   • labs:  regex matched against the lab_results[].name list
  // A hit on either channel marks the screening as done with the exam's
  // date as last_done.
  const SCREENING_MATCHERS = [
    { lib_id: 'colonoscopy',    text: [/colonoscop/i, /大腸内視鏡/],                  labs: [] },
    { lib_id: 'mammogram',      text: [/mammogram|mammo/i, /マンモ|乳がん検診/],       labs: [] },
    { lib_id: 'pap_smear',      text: [/pap smear|cervical screen/i, /子宮頸/],         labs: [] },
    { lib_id: 'prostate_psa',   text: [/prostate exam/i, /前立腺/],                    labs: [/^psa\b/i, /prostate[\s-]?specific[\s-]?antigen/i] },
    { lib_id: 'skin_check',     text: [/full[-\s]?body skin|dermatolog.*screen/i, /皮膚.*検診/], labs: [] },
    { lib_id: 'eye_exam',       text: [/eye exam|ophthalmolog|optometry/i, /眼科検診/],  labs: [] },
    { lib_id: 'lipid_panel',    text: [/lipid panel|cholesterol panel/i, /脂質.*検査/], labs: [/^(ldl|hdl|total\s*cholesterol|triglycerides?)\b/i] },
    { lib_id: 'bone_density',   text: [/\bdexa\b|bone density/i, /骨密度/],             labs: [] },
    { lib_id: 'a1c',            text: [/\ba1c\b|hemoglobin\s*a1c|diabetes\s*screen/i, /HbA1c|糖尿病/i], labs: [/^(hba1c|hemoglobin\s*a1c|a1c)\b/i] },
    { lib_id: 'lung_ct',        text: [/low[-\s]?dose\s*lung\s*ct|lung\s*screening\s*ct/i, /低線量肺\s*CT/i], labs: [] },
    { lib_id: 'hep_c',          text: [/hep(?:atitis)?[\s-]?c|hcv/i, /C\s*型?肝炎/i],     labs: [/^(hcv|hcv[-\s]?ab|hcv\s*antibody|hep[\s-]?c)\b/i] },
    { lib_id: 'tdap_booster',   text: [/tdap|tetanus[-\s,]+diphtheria/i, /三種混合|破傷風/], labs: [] },
    { lib_id: 'flu_shot',       text: [/flu\s*shot|influenza\s*vaccine|flu\s*vaccine/i, /インフル.*ワクチン|インフル.*接種/], labs: [] },
    { lib_id: 'shingles',       text: [/shingles|herpes\s*zoster|zoster\s*vaccine/i, /帯状疱疹/], labs: [] },
    { lib_id: 'aaa_screen',     text: [/aaa\s*ultrasound|abdominal\s*aortic\s*aneurysm/i, /腹部大動脈瘤/], labs: [] },
  ];

  // ====================================================================
  // State accessors
  // ====================================================================

  function getHt() { return TB.state.get('health_tracker') || {}; }
  function patchHt(patch) {
    const cur = getHt();
    TB.state.set('health_tracker', Object.assign({}, cur, patch));
  }
  function getExams() { return getHt().exams || []; }
  function setExams(arr) { patchHt({ exams: arr }); }
  function upsertExam(exam) {
    const arr = getExams().slice();
    const i = arr.findIndex((e) => e.id === exam.id);
    if (i >= 0) arr[i] = exam;
    else arr.push(exam);
    arr.sort((a, b) => (b.date || '').localeCompare(a.date || '')); // newest first
    setExams(arr);
    // Mirror exam completion into the Care Plan's screening tracker.
    // Defined later in the file — guarded so it's safe during module
    // initialization. Catches both manual saves and AI imports.
    try { if (typeof applyExamScreeningInference === 'function') applyExamScreeningInference(exam); } catch (_) {}
  }
  function deleteExam(examId) {
    setExams(getExams().filter((e) => e.id !== examId));
  }
  function getMeds() { return getHt().medications || []; }
  function setMeds(arr) { patchHt({ medications: arr }); }
  function upsertMed(med) {
    const arr = getMeds().slice();
    const i = arr.findIndex((m) => m.id === med.id);
    if (i >= 0) arr[i] = med;
    else arr.push(med);
    setMeds(arr);
  }
  function deleteMed(medId) {
    setMeds(getMeds().filter((m) => m.id !== medId));
  }
  function getCarePlan() { return getHt().care_plan || { primary_concerns: [], annual_goals: [], preventive_screenings_due: [], specialist_referrals: [], next_appointments: [] }; }
  function setCarePlan(cp) { patchHt({ care_plan: cp }); }
  function getDental() {
    const d = getHt().dental || {};
    return Object.assign({
      // Legacy summary fields (kept for back-compat + dashboard)
      last_cleaning: null, last_xrays: null, last_perio: null,
      dentist: '', clinic: '',
      // v0.52 expanded model — mirrors retirement-tool style
      teeth: {},                  // tooth_id (1..32) -> { status, has_pocket, has_bleeding, is_mobile, has_cavity, needs_treatment, needs_observation, pocket_max_mm, notes }
      periodontal: {              // aggregate (auto-computed from teeth when possible)
        pockets_4mm_pct: null,
        bleeding_on_probing_pct: null,
        mobile_teeth: 0,
        // Pocket depth distribution (v0.53)
        pocket_dist_healthy_pct: null,   // 1-3 mm sites
        pocket_dist_mild_pct: null,      // 4-6 mm sites
        pocket_dist_severe_pct: null,    // 7+ mm sites
        last_perio_exam: null,
        target_pocket_pct: 10,
        target_bop_pct: 10,
      },
      providers: [],              // [{id, name_en, name_jp, type, address, phone, email, notes}]
      procedures: [],             // [{id, date, name_en, name_jp, code, cost, currency, points, qty, provider_id, invoice_id, tooth_numbers, notes}]
      appointments: [],           // [{id, date, time, provider_id, purpose, notes}]
      notes_log: [],              // [{id, date, provider_id, status: 'open'|'complete', findings, recommendations, action_items: [{id,text,checked,due_date}], next_appointment, billing, exam_source, invoice_source, exam_id, invoice_id}]
      _migrated_v52: false,
    }, d);
  }
  function setDental(d) { patchHt({ dental: d }); }

  // ─── Tooth chart constants ────────────────────────────────────────
  //
  // Universal numbering (1-32) + ISO/FDI parenthetical for Japanese
  // dental records. Layout is occlusal-view: upper arch top, lower
  // arch bottom, patient's right on viewer's left (mirror like
  // looking into someone else's mouth).
  //
  // Each tooth has approximate x/y positions on an SVG canvas so the
  // arches read as a natural smile shape.
  // Occlusal (top-down) view: looking down at the head, so the FRONT
  // of the mouth (incisors) is at the BOTTOM of the upper arch / TOP
  // of the lower arch — both arches curve toward the tongue at the
  // center of the canvas. 3rd molars sit at the outer edges.
  //
  // Curve shape: hand-tuned smile/U-shape on a 790×460 canvas.
  //   • Upper arch: y rises (smaller) at the molars, dips (larger)
  //     at the central incisors near y=200.
  //   • Lower arch mirrors below the tongue.
  const TOOTH_LAYOUT = [
    // ─── Upper arch (1 = right 3rd molar through 16 = left 3rd molar)
    //     Numbers in label go ABOVE each tooth (closer to top edge).
    { uni: 1,  fdi: 18, x:  90,  y: 90,  arch: 'upper' },
    { uni: 2,  fdi: 17, x: 125,  y: 110, arch: 'upper' },
    { uni: 3,  fdi: 16, x: 160,  y: 130, arch: 'upper' },
    { uni: 4,  fdi: 15, x: 200,  y: 150, arch: 'upper' },
    { uni: 5,  fdi: 14, x: 240,  y: 168, arch: 'upper' },
    { uni: 6,  fdi: 13, x: 285,  y: 183, arch: 'upper' },
    { uni: 7,  fdi: 12, x: 330,  y: 193, arch: 'upper' },
    { uni: 8,  fdi: 11, x: 378,  y: 198, arch: 'upper' },
    { uni: 9,  fdi: 21, x: 422,  y: 198, arch: 'upper' },
    { uni: 10, fdi: 22, x: 470,  y: 193, arch: 'upper' },
    { uni: 11, fdi: 23, x: 515,  y: 183, arch: 'upper' },
    { uni: 12, fdi: 24, x: 560,  y: 168, arch: 'upper' },
    { uni: 13, fdi: 25, x: 600,  y: 150, arch: 'upper' },
    { uni: 14, fdi: 26, x: 640,  y: 130, arch: 'upper' },
    { uni: 15, fdi: 27, x: 675,  y: 110, arch: 'upper' },
    { uni: 16, fdi: 28, x: 710,  y: 90,  arch: 'upper' },
    // ─── Lower arch (32 = right 3rd molar through 17 = left 3rd molar)
    //     Numbers go BELOW each tooth (closer to bottom edge).
    { uni: 32, fdi: 48, x:  90,  y: 380, arch: 'lower' },
    { uni: 31, fdi: 47, x: 125,  y: 360, arch: 'lower' },
    { uni: 30, fdi: 46, x: 160,  y: 340, arch: 'lower' },
    { uni: 29, fdi: 45, x: 200,  y: 320, arch: 'lower' },
    { uni: 28, fdi: 44, x: 240,  y: 302, arch: 'lower' },
    { uni: 27, fdi: 43, x: 285,  y: 287, arch: 'lower' },
    { uni: 26, fdi: 42, x: 330,  y: 277, arch: 'lower' },
    { uni: 25, fdi: 41, x: 378,  y: 272, arch: 'lower' },
    { uni: 24, fdi: 31, x: 422,  y: 272, arch: 'lower' },
    { uni: 23, fdi: 32, x: 470,  y: 277, arch: 'lower' },
    { uni: 22, fdi: 33, x: 515,  y: 287, arch: 'lower' },
    { uni: 21, fdi: 34, x: 560,  y: 302, arch: 'lower' },
    { uni: 20, fdi: 35, x: 600,  y: 320, arch: 'lower' },
    { uni: 19, fdi: 36, x: 640,  y: 340, arch: 'lower' },
    { uni: 18, fdi: 37, x: 675,  y: 360, arch: 'lower' },
    { uni: 17, fdi: 38, x: 710,  y: 380, arch: 'lower' },
  ];

  // Status display constants — color, label, what to render
  const TOOTH_STATUS = {
    natural: { color: 'transparent',     border: 'var(--tb-text-soft)', label_en: 'Natural tooth',  label_jp: '健全歯' },
    filling: { color: '#f59e0b',         border: '#d97706',             label_en: 'Filling',        label_jp: '充填' },
    crown:   { color: '#3b82f6',         border: '#1e40af',             label_en: 'Crown',          label_jp: 'クラウン' },
    bridge:  { color: '#8b5cf6',         border: '#6d28d9',             label_en: 'Bridge',         label_jp: 'ブリッジ' },
    implant: { color: '#10b981',         border: '#047857',             label_en: 'Implant',        label_jp: 'インプラント' },
    rct:     { color: '#ef4444',         border: '#b91c1c',             label_en: 'Root canal',     label_jp: '根管治療' },
    missing: { color: 'transparent',     border: 'var(--tb-text-soft)', label_en: 'Missing',        label_jp: '欠損' },
  };
  const TOOTH_STATUS_ORDER = ['natural', 'filling', 'crown', 'bridge', 'implant', 'rct', 'missing'];

  // ─── Dental helpers ──────────────────────────────────────────────
  function getDentalTooth(uni) {
    const d = getDental();
    return (d.teeth || {})[String(uni)] || { status: 'natural', has_pocket: false, has_bleeding: false, pocket_max_mm: null, is_mobile: false, notes: '' };
  }
  function setDentalTooth(uni, patch) {
    const d = getDental();
    d.teeth = d.teeth || {};
    d.teeth[String(uni)] = Object.assign({}, getDentalTooth(uni), patch);
    setDental(d);
    recomputeDentalPerio();
  }
  // Auto-compute periodontal aggregates from per-tooth data so the
  // top-of-tab stats stay in sync as the user clicks teeth.
  //
  // Critically, ONLY overwrites an aggregate when at least one tooth
  // has explicit data for that signal. Otherwise the aggregate (which
  // may have been set by AI extraction from a narrative like "50% BoP")
  // would get clobbered to 0% just because no per-tooth flags exist.
  function recomputeDentalPerio() {
    const d = getDental();
    const teeth = d.teeth || {};
    let present = 0;
    let pocketCount = 0, bopCount = 0, mobileCount = 0;
    let hasPocketSignal = false, hasBopSignal = false, hasMobileSignal = false;
    for (let n = 1; n <= 32; n++) {
      const t = teeth[String(n)];
      if (!t) continue;
      if (t.status === 'missing') continue;
      present++;
      if (typeof t.has_pocket === 'boolean') {
        hasPocketSignal = true;
        if (t.has_pocket) pocketCount++;
      }
      if (typeof t.has_bleeding === 'boolean') {
        hasBopSignal = true;
        if (t.has_bleeding) bopCount++;
      }
      if (typeof t.is_mobile === 'boolean') {
        hasMobileSignal = true;
        if (t.is_mobile) mobileCount++;
      }
    }
    if (present === 0) return;
    d.periodontal = d.periodontal || {};
    if (hasPocketSignal) d.periodontal.pockets_4mm_pct = Math.round((pocketCount / present) * 1000) / 10;
    if (hasBopSignal) d.periodontal.bleeding_on_probing_pct = Math.round((bopCount / present) * 1000) / 10;
    if (hasMobileSignal) d.periodontal.mobile_teeth = mobileCount;
    setDental(d);
  }
  function getDentalProviders() { return getDental().providers || []; }
  function getDentalProcedures() { return getDental().procedures || []; }
  function getDentalAppointments() { return getDental().appointments || []; }
  function getDentalNotesLog() { return getDental().notes_log || []; }
  // Sync provider info extracted from an invoice into the dental
  // provider list. Reuses the same overlap-matching + bilingual
  // upgrade logic that applyDentalExtraction uses, so re-importing the
  // same invoice keeps fields converging rather than duplicating.
  //
  // Matching is asymmetric-tolerant: when the invoice has only one
  // language name (e.g., only JP) and the existing provider has only
  // the other (e.g., only EN), pure name overlap can't match them. So
  // we fall back to phone-digit and address-substring matches — which
  // are language-neutral. Returns the merged-or-created provider so
  // callers can chain into AI enrichment when the record is still
  // single-language.
  function syncDentalProviderFromInvoice(provInfo) {
    if (!provInfo) return null;
    if (!provInfo.name_en && !provInfo.name_jp) return null;
    const d = getDental();
    const providers = d.providers || [];

    function nameKey(s) { return String(s || '').toLowerCase().trim(); }
    function namesOverlap(a, b) {
      const ak = nameKey(a), bk = nameKey(b);
      if (!ak || !bk) return false;
      if (ak === bk) return true;
      if (ak.length >= 4 && (ak.includes(bk) || bk.includes(ak))) return true;
      return false;
    }
    // Phone match: strip all non-digits and compare last 8 digits
    // (handles +81-3-1234-5678 vs. 03-1234-5678 vs. 0312345678).
    function phoneDigits(s) {
      return String(s || '').replace(/\D+/g, '').slice(-8);
    }
    function phonesMatch(a, b) {
      const ad = phoneDigits(a), bd = phoneDigits(b);
      return ad.length >= 7 && ad === bd;
    }
    // Address match: substring on a normalized form. A clinic's address
    // on an invoice may be longer or shorter than what the user typed
    // on the provider card, but the building name / street number
    // usually appears in both.
    function addrKey(s) {
      return String(s || '').toLowerCase().replace(/[\s\-‐−ー－,，。、]/g, '');
    }
    function addressesMatch(a, b) {
      const ak = addrKey(a), bk = addrKey(b);
      if (!ak || !bk) return false;
      if (ak.length < 8 || bk.length < 8) return false;
      return ak.includes(bk) || bk.includes(ak);
    }

    let existing = providers.find((p) =>
      namesOverlap(p.name_en, provInfo.name_en) ||
      namesOverlap(p.name_jp, provInfo.name_jp));
    // Fallback: phone match (most reliable cross-language signal)
    if (!existing && provInfo.phone) {
      existing = providers.find((p) => phonesMatch(p.phone, provInfo.phone));
    }
    // Fallback: address match
    if (!existing && provInfo.address) {
      existing = providers.find((p) => addressesMatch(p.address, provInfo.address));
    }

    if (existing) {
      let updated = false;
      // Fill in missing fields
      for (const k of ['name_en', 'name_jp', 'phone', 'address']) {
        if (!existing[k] && provInfo[k]) { existing[k] = provInfo[k]; updated = true; }
      }
      // Upgrade short variants (bilingual replaces monolingual, etc.)
      if (provInfo.name_en && existing.name_en &&
          isMoreCompleteName(provInfo.name_en, existing.name_en)) {
        existing.name_en = provInfo.name_en; updated = true;
      }
      if (provInfo.name_jp && existing.name_jp &&
          isMoreCompleteName(provInfo.name_jp, existing.name_jp)) {
        existing.name_jp = provInfo.name_jp; updated = true;
      }
      if (updated) upsertDentalProvider(existing);
      return existing;
    } else {
      // Create a new provider entry — the invoice provider is novel
      const newProvider = {
        id: (TB.utils && TB.utils.uuid) ? TB.utils.uuid() : ('dp-' + Date.now().toString(36)),
        name_en: provInfo.name_en || '',
        name_jp: provInfo.name_jp || '',
        type: '',
        address: provInfo.address || '',
        phone: provInfo.phone || '',
        email: '', website: '', hours: '', notes: '',
        ai_imported: true,
        created_at: new Date().toISOString(),
      };
      upsertDentalProvider(newProvider);
      return newProvider;
    }
  }

  // Chain-AI: when a synced provider is still missing a language name
  // (or all public-info fields), fire provider enrichment in the
  // background. Skipped silently when the record is already complete
  // or when an enrichment ran recently. Toast surfaces success/cost.
  //
  // Fire-and-forget intentionally: the caller's save path should not
  // block on a second Claude call. Errors go to console + toast.
  function maybeChainProviderEnrichment(provider) {
    if (!provider) return;
    const needsLangFill = !provider.name_en || !provider.name_jp;
    const needsPublicInfo = !provider.website || !provider.address || !provider.phone;
    if (!needsLangFill && !needsPublicInfo) return;
    // Skip if we enriched within the last 7 days — avoids re-firing on
    // every subsequent invoice for the same clinic.
    if (provider.ai_enriched_at) {
      const ageMs = Date.now() - new Date(provider.ai_enriched_at).getTime();
      if (isFinite(ageMs) && ageMs < 7 * 24 * 3600 * 1000) return;
    }
    if (!TB.ai || typeof TB.ai.callClaudeForProviderEnrichment !== 'function') return;
    const t = TB.i18n.t;
    const labelName = provider.name_en || provider.name_jp || '?';
    // Don't await — let the save path return. Result lands via toast.
    (async () => {
      try {
        const result = await TB.ai.callClaudeForProviderEnrichment({
          name_en: provider.name_en,
          name_jp: provider.name_jp,
          type: provider.type || 'dental',
          address: provider.address,
          phone: provider.phone,
        });
        const en = (result && result.extracted) || {};
        // Re-fetch the latest record in case the user edited it in the
        // meantime; only fill blank fields.
        const d = getDental();
        const arr = (d.providers || []).slice();
        const idx = arr.findIndex((x) => x.id === provider.id);
        if (idx < 0) return;
        const cur = arr[idx];
        const filled = [];
        if (!cur.name_en && en.name_en) { cur.name_en = en.name_en; filled.push('name_en'); }
        if (!cur.name_jp && en.name_jp) { cur.name_jp = en.name_jp; filled.push('name_jp'); }
        if (!cur.address && en.address) { cur.address = en.address; filled.push('address'); }
        if (!cur.phone   && en.phone)   { cur.phone   = en.phone;   filled.push('phone'); }
        if (!cur.website && en.website) { cur.website = en.website; filled.push('website'); }
        if (!cur.hours   && en.hours)   { cur.hours   = en.hours;   filled.push('hours'); }
        if (filled.length === 0) {
          // Low-confidence or unknown: don't surface noise.
          return;
        }
        cur.ai_enriched_at = new Date().toISOString();
        upsertDentalProvider(cur);
        const cost = (result.cost_usd || 0).toFixed(4);
        try {
          showUndoToast(
            t('ht.dental.providers.chainEnrich.done', { name: labelName, n: filled.length, cost }),
            null,
          );
        } catch (_) {
          // Toast helper expects a restoreFn — fall back to a plain alert-style log.
        }
        // Re-render so the enriched provider info shows up.
        try { rerender(); } catch (_) {}
      } catch (err) {
        // Silent fallback: log to console; don't interrupt user flow.
        try { console.warn('Provider auto-enrich failed:', err && err.message); } catch (_) {}
      }
    })();
  }

  function upsertDentalProvider(p) {
    const d = getDental();
    const arr = (d.providers || []).slice();
    const i = arr.findIndex((x) => x.id === p.id);
    p.updated_at = new Date().toISOString();
    if (i >= 0) arr[i] = p; else arr.push(p);
    d.providers = arr;
    setDental(d);
  }
  function deleteDentalProviderWithUndo(pid) {
    const d = getDental();
    const p = (d.providers || []).find((x) => x.id === pid);
    if (!p) return false;
    const t = TB.i18n.t;
    if (!confirm(t('ht.dental.providers.delete.confirm', { name: p.name_en || p.name_jp || '?' }))) return false;
    const snap = JSON.parse(JSON.stringify(p));
    d.providers = (d.providers || []).filter((x) => x.id !== pid);
    setDental(d);
    showUndoToast(t('ht.toast.providerDeleted', { name: p.name_en || p.name_jp || '?' }), () => {
      const cur = getDental();
      cur.providers = (cur.providers || []).concat([snap]);
      setDental(cur);
    });
    return true;
  }
  function upsertDentalProcedure(p) {
    const d = getDental();
    const arr = (d.procedures || []).slice();
    const i = arr.findIndex((x) => x.id === p.id);
    p.updated_at = new Date().toISOString();
    if (i >= 0) arr[i] = p; else arr.push(p);
    arr.sort((a, b) => (b.date || '').localeCompare(a.date || ''));
    d.procedures = arr;
    setDental(d);
  }
  function deleteDentalProcedureWithUndo(pid) {
    const d = getDental();
    const p = (d.procedures || []).find((x) => x.id === pid);
    if (!p) return false;
    const t = TB.i18n.t;
    const label = p.name_en || p.name_jp || p.code || '?';
    if (!confirm(t('ht.dental.proc.delete.confirm', { label }))) return false;
    const snap = JSON.parse(JSON.stringify(p));
    d.procedures = (d.procedures || []).filter((x) => x.id !== pid);
    setDental(d);
    showUndoToast(t('ht.toast.procDeleted', { label }), () => {
      const cur = getDental();
      cur.procedures = (cur.procedures || []).concat([snap]);
      setDental(cur);
    });
    return true;
  }
  function upsertDentalAppointment(a) {
    const d = getDental();
    const arr = (d.appointments || []).slice();
    const i = arr.findIndex((x) => x.id === a.id);
    if (i >= 0) arr[i] = a; else arr.push(a);
    arr.sort((a, b) => (a.date || '').localeCompare(b.date || ''));
    d.appointments = arr;
    setDental(d);
  }
  function deleteDentalAppointment(aid) {
    const d = getDental();
    d.appointments = (d.appointments || []).filter((x) => x.id !== aid);
    setDental(d);
  }
  function upsertDentalNote(n) {
    const d = getDental();
    const arr = (d.notes_log || []).slice();
    const i = arr.findIndex((x) => x.id === n.id);
    n.updated_at = new Date().toISOString();
    if (i >= 0) arr[i] = n; else arr.push(n);
    arr.sort((a, b) => (b.date || '').localeCompare(a.date || ''));
    d.notes_log = arr;
    setDental(d);
  }
  function deleteDentalNoteWithUndo(nid) {
    const d = getDental();
    const n = (d.notes_log || []).find((x) => x.id === nid);
    if (!n) return false;
    const t = TB.i18n.t;
    if (!confirm(t('ht.dental.notes.delete.confirm', { date: n.date || '?' }))) return false;
    const snap = JSON.parse(JSON.stringify(n));
    d.notes_log = (d.notes_log || []).filter((x) => x.id !== nid);
    setDental(d);
    showUndoToast(t('ht.toast.noteDeleted', { date: n.date || '?' }), () => {
      const cur = getDental();
      cur.notes_log = (cur.notes_log || []).concat([snap]);
      setDental(cur);
    });
    return true;
  }
  function getInsuranceSummary() {
    const ins = getHt().insurance_summary || {};
    return Object.assign({
      primary_plan: '', member_id_last4: '', bin: '',
      pcp_name: '', pcp_phone: '', notes: '',
      vault_doc_id: null,
      cards: [],
      _migrated_legacy: false,
    }, ins);
  }
  function setInsuranceSummary(s) { patchHt({ insurance_summary: s }); }

  // ─── Insurance card helpers (v0.50) ──────────────────────────────
  //
  // Each card is a structured plan entry with its own contact info,
  // claims details, pharmacy info, etc. Multiple cards supported so
  // dental + vision + medical can live side-by-side rather than
  // crammed into one blob of notes.
  function getInsuranceCards() {
    const ins = getInsuranceSummary();
    return Array.isArray(ins.cards) ? ins.cards : [];
  }
  function upsertInsuranceCard(card) {
    const ins = getInsuranceSummary();
    const arr = Array.isArray(ins.cards) ? ins.cards.slice() : [];
    const i = arr.findIndex((c) => c.id === card.id);
    card.updated_at = new Date().toISOString();
    if (i >= 0) arr[i] = card;
    else arr.push(card);
    // Sort: primary medical first, then dental, vision, prescription, other.
    const TYPE_RANK = { medical: 0, combined: 0, dental: 1, vision: 2, prescription: 3, other: 4 };
    arr.sort((a, b) => (TYPE_RANK[a.card_type] || 9) - (TYPE_RANK[b.card_type] || 9));
    ins.cards = arr;
    setInsuranceSummary(ins);
  }
  function deleteInsuranceCardWithUndo(cardId) {
    const ins = getInsuranceSummary();
    const card = (ins.cards || []).find((c) => c.id === cardId);
    if (!card) return false;
    const t = TB.i18n.t;
    if (!confirm(t('ht.notes.cards.delete.confirm', { label: card.label || card.insurer || card.plan_name || '?' }))) return false;
    const snapshot = JSON.parse(JSON.stringify(card));
    ins.cards = (ins.cards || []).filter((c) => c.id !== cardId);
    setInsuranceSummary(ins);
    showUndoToast(t('ht.notes.cards.deleted', { label: card.insurer || card.plan_name || '?' }), () => {
      const cur = getInsuranceSummary();
      cur.cards = (cur.cards || []).concat([snapshot]);
      setInsuranceSummary(cur);
    });
    return true;
  }
  // One-time migration: when the user has legacy top-level fields set
  // but no cards array, package the legacy data into a single
  // medical-default card so the new UI has something to show.
  function migrateLegacyInsuranceFields() {
    const ins = getInsuranceSummary();
    if (ins._migrated_legacy) return false;
    if ((ins.cards || []).length > 0) {
      ins._migrated_legacy = true;
      setInsuranceSummary(ins);
      return false;
    }
    // Only migrate when there's actually legacy data worth saving.
    const hasLegacy = !!(ins.primary_plan || ins.member_id_last4 || ins.bin || ins.pcp_name || ins.pcp_phone || ins.notes || ins.vault_doc_id);
    if (!hasLegacy) {
      ins._migrated_legacy = true;
      setInsuranceSummary(ins);
      return false;
    }
    // Split "Insurer — Plan" if the legacy primary_plan looks like one.
    let insurer = '', planName = ins.primary_plan || '';
    const m = (ins.primary_plan || '').split(/\s+—\s+/);
    if (m.length >= 2) { insurer = m[0].trim(); planName = m.slice(1).join(' — ').trim(); }
    const card = {
      id: (TB.utils && TB.utils.uuid) ? TB.utils.uuid() : ('card-' + Date.now().toString(36)),
      card_type: 'medical',
      label: '',
      insurer,
      plan_name: planName,
      network_type: '',
      coverage_type: 'medical',
      member_name: '',
      member_id_last4: ins.member_id_last4 || '',
      group_number: '',
      effective_date: null,
      expiry_date: null,
      bin: ins.bin || '',
      pcn: '',
      rx_group: '',
      pcp_name: ins.pcp_name || '',
      pcp_phone: ins.pcp_phone || '',
      customer_service_phone: '',
      member_services_phone: '',
      claims_phone: '',
      pharmacy_help_phone: '',
      provider_services_phone: '',
      emergency_phone: '',
      nurse_line_phone: '',
      mental_health_phone: '',
      claims_website: '',
      claims_address: '',
      member_portal: '',
      mobile_app: '',
      email: '',
      issuing_country: '',
      coverage_areas: '',
      notes: ins.notes || '',
      vault_doc_id: ins.vault_doc_id || null,
      ai_imported: false,
      created_at: new Date().toISOString(),
      updated_at: new Date().toISOString(),
    };
    ins.cards = [card];
    ins._migrated_legacy = true;
    setInsuranceSummary(ins);
    return true;
  }
  function getEpisodes() { return getHt().episodes || []; }
  function setEpisodes(arr) { patchHt({ episodes: arr }); }
  function upsertEpisode(ep) {
    const arr = getEpisodes().slice();
    const i = arr.findIndex((x) => x.id === ep.id);
    if (i >= 0) arr[i] = ep;
    else arr.push(ep);
    // Newest started first; pin active ones above completed.
    arr.sort((a, b) => {
      const aActive = (a.status || 'active') !== 'completed' && (a.status || 'active') !== 'cancelled';
      const bActive = (b.status || 'active') !== 'completed' && (b.status || 'active') !== 'cancelled';
      if (aActive !== bActive) return aActive ? -1 : 1;
      return (b.started_date || '').localeCompare(a.started_date || '');
    });
    setEpisodes(arr);
  }
  function deleteEpisode(epId) {
    // Detach references from exams/meds/invoices so we don't leave
    // orphan IDs pointing at the deleted episode.
    setEpisodes(getEpisodes().filter((e) => e.id !== epId));
    const exams = getExams().map((e) => e.episode_id === epId ? Object.assign({}, e, { episode_id: null }) : e);
    setExams(exams);
    const meds = getMeds().map((m) => m.episode_id === epId ? Object.assign({}, m, { episode_id: null }) : m);
    setMeds(meds);
    const inv = getInvoices().map((i) => i.episode_id === epId ? Object.assign({}, i, { episode_id: null }) : i);
    setInvoices(inv);
  }
  function getInvoices() { return getHt().invoices || []; }
  function setInvoices(arr) { patchHt({ invoices: arr }); }
  function upsertInvoice(inv) {
    const arr = getInvoices().slice();
    const i = arr.findIndex((x) => x.id === inv.id);
    if (i >= 0) arr[i] = inv;
    else arr.push(inv);
    arr.sort((a, b) => (b.date || '').localeCompare(a.date || ''));
    setInvoices(arr);
  }
  function deleteInvoice(invId) {
    setInvoices(getInvoices().filter((i) => i.id !== invId));
  }

  // ─── Undo toast system ───────────────────────────────────────────
  //
  // After every destructive action (delete medication, exam, invoice,
  // episode, attached document) we surface a bottom-center toast with
  // an Undo button. The toast auto-dismisses after 10 seconds. The
  // restoreFn is a closure that puts the item back as it was — we
  // snapshot the record BEFORE deletion so any related-field changes
  // (e.g., episode_id detached when an episode is deleted) get
  // restored too.
  let __undoToastEl = null;
  let __undoToastTimer = null;
  function showUndoToast(label, restoreFn) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    if (__undoToastEl) {
      try { __undoToastEl.remove(); } catch (_) {}
      __undoToastEl = null;
    }
    if (__undoToastTimer) {
      clearTimeout(__undoToastTimer);
      __undoToastTimer = null;
    }
    const toast = el('div', {
      'data-tb-undo-toast': '1',
      style: {
        position: 'fixed', bottom: '24px', left: '50%',
        transform: 'translateX(-50%)',
        background: 'var(--tb-text)',
        color: 'var(--tb-bg)',
        padding: '12px 20px',
        borderRadius: 'var(--tb-radius-2)',
        boxShadow: '0 6px 20px rgba(0,0,0,0.25)',
        zIndex: '99999',
        display: 'flex', alignItems: 'center', gap: '16px',
        fontSize: 'var(--tb-fs-14)',
        maxWidth: '90vw',
      },
    });
    toast.appendChild(el('span', null, label));
    // Omit the Undo button when no restoreFn is supplied — this lets
    // info-style toasts (e.g., AI provider enrichment completed) reuse
    // the same visual treatment without a non-functional undo control.
    if (typeof restoreFn === 'function') {
      toast.appendChild(el('button', {
        type: 'button',
        style: {
          background: 'transparent', color: 'var(--tb-bg)',
          border: '1px solid currentColor',
          padding: '4px 14px',
          borderRadius: 'var(--tb-radius-1)',
          cursor: 'pointer',
          fontWeight: '600',
          fontSize: 'var(--tb-fs-12)',
          letterSpacing: '0.04em',
          textTransform: 'uppercase',
        },
        onclick: () => {
          try { restoreFn(); } catch (e) { console.error('[undo] restore failed', e); }
          try { toast.remove(); } catch (_) {}
          __undoToastEl = null;
          if (__undoToastTimer) { clearTimeout(__undoToastTimer); __undoToastTimer = null; }
          rerender();
        },
      }, '↺ ' + t('ht.undo')));
    }
    toast.appendChild(el('button', {
      type: 'button',
      title: t('ht.undo.dismiss'),
      style: {
        background: 'transparent', color: 'var(--tb-bg)',
        border: 'none', cursor: 'pointer',
        fontSize: '18px', lineHeight: '1', padding: '0 4px',
        opacity: '0.7',
      },
      onclick: () => {
        try { toast.remove(); } catch (_) {}
        __undoToastEl = null;
        if (__undoToastTimer) { clearTimeout(__undoToastTimer); __undoToastTimer = null; }
      },
    }, '×'));
    document.body.appendChild(toast);
    __undoToastEl = toast;
    __undoToastTimer = setTimeout(() => {
      if (__undoToastEl === toast) {
        try { toast.remove(); } catch (_) {}
        __undoToastEl = null;
      }
      __undoToastTimer = null;
    }, 10000);
  }

  // ─── Hover popover ───────────────────────────────────────────────
  //
  // Custom popover for hover-content that needs richer styling than
  // native `title` attribute (line breaks, monospace numbers, etc.).
  // Singleton: only one popover lives in the DOM at a time. Attaches
  // to document.body with absolute positioning so it can render on
  // top of modal content. Repositions to stay in-viewport.
  //
  // Usage:
  //   attachHoverPopover(anchorEl, (popoverEl) => {
  //     // populate popoverEl with whatever DOM you want
  //     popoverEl.appendChild(...);
  //   });
  let __popoverEl = null;
  function dismissPopover() {
    if (__popoverEl) {
      try { __popoverEl.remove(); } catch (_) {}
      __popoverEl = null;
    }
  }
  function showPopover(anchorEl, populate) {
    dismissPopover();
    const el = TB.utils.el;
    const pop = el('div', {
      'data-tb-popover': '1',
      style: {
        position: 'fixed',
        zIndex: '99998',
        background: 'var(--tb-bg-elev, white)',
        color: 'var(--tb-text)',
        border: '1px solid var(--tb-border)',
        borderRadius: 'var(--tb-radius-2)',
        boxShadow: '0 6px 20px rgba(0,0,0,0.16)',
        padding: '10px 12px',
        fontSize: 'var(--tb-fs-12)',
        lineHeight: 'var(--tb-lh-body)',
        maxWidth: '360px',
        pointerEvents: 'none', // we don't want hover-on-popover to keep it alive — anchor controls lifetime
      },
    });
    try { populate(pop); } catch (e) { console.error('[popover]', e); }
    document.body.appendChild(pop);
    __popoverEl = pop;
    // Position: prefer above anchor, fall back below when not enough room.
    const ar = anchorEl.getBoundingClientRect();
    const pr = pop.getBoundingClientRect();
    let top = ar.top - pr.height - 8;
    if (top < 8) top = ar.bottom + 8;
    let left = ar.left + (ar.width / 2) - (pr.width / 2);
    if (left < 8) left = 8;
    if (left + pr.width > window.innerWidth - 8) left = window.innerWidth - pr.width - 8;
    pop.style.top = top + 'px';
    pop.style.left = left + 'px';
  }
  // Convenience: bind hover events to an anchor element. populate(pop)
  // builds the popover body each time it opens, so the data stays fresh.
  function attachHoverPopover(anchorEl, populate) {
    anchorEl.addEventListener('mouseenter', () => showPopover(anchorEl, populate));
    anchorEl.addEventListener('mouseleave', dismissPopover);
    // Also bind focus/blur for keyboard accessibility — works whether
    // the anchor is a button or has tabindex.
    anchorEl.addEventListener('focus', () => showPopover(anchorEl, populate));
    anchorEl.addEventListener('blur', dismissPopover);
  }

  // Wrapper helpers that confirm, snapshot, delete, and push undo.
  // Use these in place of bare delete*() calls from any delete UI.
  function deleteMedWithUndo(medId) {
    const med = getMeds().find((m) => m.id === medId);
    if (!med) return false;
    const t = TB.i18n.t;
    if (!confirm(t('ht.meds.delete.confirm.named', { name: med.name || '?' }))) return false;
    const snapshot = JSON.parse(JSON.stringify(med));
    deleteMed(medId);
    showUndoToast(t('ht.toast.medDeleted', { name: med.name || '?' }), () => {
      upsertMed(snapshot);
    });
    return true;
  }
  function deleteExamWithUndo(examId) {
    const ex = getExams().find((e) => e.id === examId);
    if (!ex) return false;
    const t = TB.i18n.t;
    if (!confirm(t('ht.exams.delete.confirm.named',
      { label: (ex.date || '?') + ' · ' + examTypeLabel(ex.type) }))) return false;
    const snapshot = JSON.parse(JSON.stringify(ex));
    deleteExam(examId);
    showUndoToast(t('ht.toast.examDeleted', { label: ex.date || '?' }), () => {
      upsertExam(snapshot);
    });
    return true;
  }
  function deleteInvoiceWithUndo(invId) {
    const inv = getInvoices().find((i) => i.id === invId);
    if (!inv) return false;
    const t = TB.i18n.t;
    const labelBits = [inv.date || '?'];
    if (inv.provider) labelBits.push(inv.provider);
    const lbl = labelBits.join(' · ');
    if (!confirm(t('ht.invoices.delete.confirm.named', { label: lbl }))) return false;
    const snapshot = JSON.parse(JSON.stringify(inv));
    deleteInvoice(invId);
    showUndoToast(t('ht.toast.invoiceDeleted', { label: lbl }), () => {
      upsertInvoice(snapshot);
    });
    return true;
  }
  function deleteEpisodeWithUndo(epId) {
    const ep = getEpisodes().find((e) => e.id === epId);
    if (!ep) return false;
    const t = TB.i18n.t;
    if (!confirm(t('ht.episodes.delete.confirm.named', { title: ep.title || '?' }))) return false;
    // Snapshot the episode + the IDs of records that were attached so we
    // can re-attach on restore. deleteEpisode detaches them with null;
    // we re-set the episode_id on each detached record.
    const epSnapshot = JSON.parse(JSON.stringify(ep));
    const attachedExamIds = getExams().filter((e) => e.episode_id === epId).map((e) => e.id);
    const attachedMedIds = getMeds().filter((m) => m.episode_id === epId).map((m) => m.id);
    const attachedInvIds = getInvoices().filter((i) => i.episode_id === epId).map((i) => i.id);
    deleteEpisode(epId);
    showUndoToast(t('ht.toast.episodeDeleted', { title: ep.title || '?' }), () => {
      upsertEpisode(epSnapshot);
      setExams(getExams().map((e) => attachedExamIds.indexOf(e.id) >= 0
        ? Object.assign({}, e, { episode_id: epSnapshot.id }) : e));
      setMeds(getMeds().map((m) => attachedMedIds.indexOf(m.id) >= 0
        ? Object.assign({}, m, { episode_id: epSnapshot.id }) : m));
      setInvoices(getInvoices().map((i) => attachedInvIds.indexOf(i.id) >= 0
        ? Object.assign({}, i, { episode_id: epSnapshot.id }) : i));
    });
    return true;
  }

  // ─── Lab-name canonicalization ───────────────────────────────────
  //
  // Different reports name the same test slightly differently — "HDL
  // Cholesterol", "HDL Cholesterol (HDL-C)", "HDL-Cholesterol" all
  // describe the exact same measurement. The Lab Results view groups
  // by canonical name so the user sees one row per test instead of
  // three near-duplicates.
  //
  // Each entry: { canonical, patterns:[ regex|string ] }. Order
  // matters when patterns are loose — put more specific entries
  // first so "RBC (Urine)" doesn't get folded into "RBC".
  //
  // Display-layer only — we don't mutate stored exam.lab_results[].name.
  // The original names remain in state so re-importing the same report
  // is still deduplicated correctly within an exam.
  const LAB_CANONICAL = [
    // ─── Compartment-qualified must come FIRST so they don't fold
    //     into the unqualified blood version below.
    { canonical: 'RBC (Urine)', patterns: [/^rbc[\s\-_]*\(urine\)$/i] },
    { canonical: 'WBC (Urine)', patterns: [/^wbc[\s\-_]*\(urine\)$/i] },
    { canonical: 'Epithelial cells (Urine)', patterns: [/^epith(?:elial)?\.?\s*cells?\s*squam(?:ous)?\s*\(urine\)$/i, /^epithelial\s*cells\s*\(urine\)$/i] },
    // ─── Urinalysis (chemistries that share root names with serum tests)
    { canonical: 'Urine pH', patterns: [/^urin(?:e|ary|alysis)\s*ph$/i, /^尿\s*ph$/i] },
    { canonical: 'Urine Specific Gravity', patterns: [/^urin(?:e|ary|alysis)\s*specific\s*gravity$/i, /^urin(?:e|ary|alysis)\s*sg$/i, /^尿比重$/i] },
    { canonical: 'Urine Protein', patterns: [/^urin(?:e|ary|alysis)\s*protein$/i, /^尿蛋白$/i] },
    { canonical: 'Urine Glucose', patterns: [/^urin(?:e|ary|alysis)\s*glucose$/i, /^尿糖$/i] },
    { canonical: 'Urine Ketones', patterns: [/^urin(?:e|ary|alysis)\s*ketones?$/i, /^尿ケトン$/i] },
    { canonical: 'Urine Bilirubin', patterns: [/^urin(?:e|ary|alysis)\s*bilirubin$/i, /^尿ビリルビン$/i] },
    { canonical: 'Urine Nitrites', patterns: [/^urin(?:e|ary|alysis)\s*nitrites?$/i] },
    { canonical: 'Urobilinogen', patterns: [/^(?:urin(?:e|ary|alysis)\s*)?urobilinogen$/i, /^ウロビリノーゲン$/i] },
    // ─── Lipid panel
    { canonical: 'HDL Cholesterol', patterns: [/^hdl[\s\-]?cholesterol(?:\s*\(hdl[\s\-]?c\))?$/i, /^hdl[\s\-]?c$/i] },
    { canonical: 'LDL Cholesterol', methodNoteKey: 'ldl_cholesterol', patterns: [/^ldl[\s\-]?cholesterol(?:\s*\(ldl[\s\-]?c\))?$/i, /^ldl[\s\-]?c$/i] },
    { canonical: 'non-HDL Cholesterol', patterns: [/^non[\s\-]?hdl[\s\-]?cholesterol$/i] },
    { canonical: 'Total Cholesterol', patterns: [/^total\s*cholesterol(?:\s*\(t[\s\-]?cho\))?$/i] },
    { canonical: 'Triglycerides', methodNoteKey: 'triglycerides', patterns: [/^triglycerides?(?:\s*\(tg\))?$/i] },
    // β-Lipoprotein: require the β prefix so we don't accidentally
    // match "Lipoprotein(a)" which is a distinct, atherogenic marker.
    { canonical: 'β-Lipoprotein', patterns: [/^β[\s\-]?lipoprotein(?:\s*\(β[\s\-]?lipo\))?$/i] },
    // ─── CBC
    { canonical: 'Hemoglobin', methodNoteKey: 'hemoglobin', patterns: [/^hemoglobin(?:\s*\(hb\))?$/i, /^hgb$/i] },
    { canonical: 'Hematocrit', methodNoteKey: 'hematocrit', patterns: [/^hematocrit(?:\s*\(ht\))?$/i, /^hct$/i] },
    { canonical: 'RBC',        patterns: [/^rbc(?:\s*\(blood\))?$/i, /^red\s*blood\s*cells?$/i] },
    { canonical: 'WBC',        patterns: [/^wbc(?:\s*\(blood\))?$/i, /^white\s*blood\s*cells?$/i] },
    { canonical: 'Platelets',  patterns: [/^platelet\s*count$/i, /^platelets?$/i, /^plt$/i] },
    // ─── Chem 7 / CMP
    { canonical: 'Sodium',     patterns: [/^sodium(?:\s*\(na\))?$/i] },
    { canonical: 'Potassium',  patterns: [/^potassium(?:\s*\(k\))?$/i] },
    { canonical: 'Chloride',   patterns: [/^chloride(?:\s*\(cl\))?$/i] },
    { canonical: 'Calcium',    patterns: [/^calcium(?:\s*\(ca\))?$/i] },
    { canonical: 'Magnesium',  patterns: [/^magnesium(?:\s*\(mg\))?$/i] },
    // Phosphorus: matched only by the explicit name (NOT bare "P" — that
    // would clobber any 1-letter "P"-prefixed test like PSA / Platelets).
    { canonical: 'Phosphorus', patterns: [/^(?:inorganic\s*)?phosphorus(?:\s*\((?:p|ip)\))?$/i] },
    { canonical: 'BUN',        patterns: [/^bun(?:\s*\((?:serum|un)\))?$/i, /^blood\s*urea\s*nitrogen$/i] },
    { canonical: 'Creatinine', patterns: [/^creatinine(?:\s*\((?:cre|serum)\))?$/i] },
    { canonical: 'eGFR',       methodNoteKey: 'egfr', patterns: [/^egfr$/i, /^estimated\s*gfr$/i, /^e[\s\-]?gfr$/i] },
    { canonical: 'Uric Acid',  methodNoteKey: 'uric_acid', patterns: [/^uric\s*acid(?:\s*\(ua\))?$/i] },
    { canonical: 'Albumin',    patterns: [/^albumin(?:\s*\(alb\))?$/i] },
    { canonical: 'Total Protein', patterns: [/^total\s*protein(?:\s*\(tp\))?$/i] },
    { canonical: 'A/G Ratio',  patterns: [/^a\/?g\s*ratio$/i] },
    { canonical: 'Iron',       patterns: [/^iron(?:\s*\(fe\))?$/i] },
    { canonical: 'TIBC',       patterns: [/^tibc$/i, /^total\s*iron[\s\-]?binding\s*capacity$/i] },
    { canonical: 'UIBC',       patterns: [/^uibc$/i, /^unsaturated\s*iron[\s\-]?binding\s*capacity$/i] },
    // ─── Liver enzymes
    { canonical: 'AST',        patterns: [/^ast(?:\s*\(got\))?$/i, /^got$/i] },
    { canonical: 'ALT',        patterns: [/^alt(?:\s*\(gpt\))?$/i, /^gpt$/i] },
    { canonical: 'γ-GTP',      patterns: [/^γ[\s\-]?gt(?:p)?(?:\s*\(γ[\s\-]?gtp\))?$/i, /^γ[\s\-]?gtp$/i, /^gamma[\s\-]?gtp$/i, /^ggt$/i] },
    { canonical: 'ALP',        patterns: [/^alp(?:[\s\/\(]+ifcc[\s\)]*)?$/i, /^alk\.?\s*phosph\.?(?:\s*\(ifcc\))?$/i, /^alkaline\s*phosphatase$/i] },
    { canonical: 'LDH',        patterns: [/^ldh$/i, /^ld(?:\s*\(ldh\))?$/i, /^ld[\s\/]ifcc$/i] },
    { canonical: 'LAP',        patterns: [/^lap$/i, /^leucine[\s\-]?aminopeptidase$/i] },
    { canonical: 'Total Bilirubin', patterns: [/^total\s*bilirubin(?:\s*\(t[\s\-]?bil\))?$/i] },
    { canonical: 'Direct Bilirubin', patterns: [/^direct\s*bilirubin(?:\s*\(d[\s\-]?bil\))?$/i] },
    { canonical: 'Cholinesterase', patterns: [/^cholinesterase(?:\s*\(ch[\s\-]?e\))?$/i] },
    // ─── Other common chem
    { canonical: 'Amylase',    patterns: [/^amylase(?:\s*\(amy\))?$/i] },
    { canonical: 'CK',         methodNoteKey: 'ck', patterns: [/^c[pk]k$/i, /^ck(?:\s*\(cpk\))?$/i] },
    { canonical: 'CRP',        patterns: [/^crp$/i, /^c[\s\-]?reactive\s*protein$/i] },
    { canonical: 'Rheumatoid Factor', patterns: [/^rheumatoid\s*factor$/i, /^rf(?:\s*定量)?$/i] },
    // ─── Diabetes
    { canonical: 'HbA1c',      methodNoteKey: 'hba1c', patterns: [/^hba1c(?:\s*\(ngsp\))?$/i, /^hemoglobin\s*a1c$/i, /^a1c$/i] },
    { canonical: 'Fasting Glucose', patterns: [/^fasting\s*plasma\s*glucose$/i, /^blood\s*glucose\s*\((?:bs|fasting)\)$/i, /^fpg$/i] },
    // ─── Body composition / anthropometry. Waist Circumference,
    //     Abdominal Circumference (JP 腹囲), and Waist Circumference
    //     (CT Measured) all describe the same anatomical measurement
    //     even though Japanese health checkups use the < 85 cm
    //     metabolic-syndrome threshold while US labs use < 102 cm —
    //     they're the same measurement, different reference bands.
    { canonical: 'Waist Circumference', methodNoteKey: 'waist_circumference', patterns: [/^waist\s*circumference(?:\s*\(ct\s*measured\))?$/i, /^abdominal\s*circumference$/i, /^腹囲$/i] },
    // BMI: handle bare "BMI", written-out "Body Mass Index", periods
    // ("B.M.I."), and any unit-suffix parenthetical (the AI sometimes
    // appends "(kg/m²)" or "(kg/m^2)" to the test name).
    { canonical: 'BMI',        patterns: [
      // Allow optional unit suffix "(kg/m²)" / "(kg/m^2)" / "(kg/m2)".
      // [²2\^] matches superscript two OR ascii 2 OR ^.
      /^bmi(?:\s*\(\s*kg\s*\/?\s*m\s*[²2\^]?\s*2?\s*\))?$/i,
      /^body\s*mass\s*index(?:\s*\(\s*kg\s*\/?\s*m\s*[²2\^]?\s*2?\s*\))?$/i,
      /^b\.?\s*m\.?\s*i\.?$/i,
      /^体格指数$/,
      /^体格指数\s*\(bmi\)$/i,
    ] },
    // Body Fat Percentage: many naming variants — "Body Fat %",
    // "Body Fat (%)", "%Body Fat", "Body Fat Ratio" (Japanese phrasing
    // often translated this way), JP 体脂肪率 / %体脂肪.
    // Body Fat MASS is distinct (kg) so don't fold that here.
    { canonical: 'Body Fat %', methodNoteKey: 'body_fat_pct', patterns: [
      /^body\s*fat\s*(?:percentage|percent|%|ratio)$/i,
      /^body\s*fat\s*\(\s*%\s*\)$/i,
      /^%\s*body\s*fat$/i,
      /^bfp$/i,
      /^体脂肪率(?:\s*\(\s*%\s*\))?$/,
      /^%\s*体脂肪$/,
    ] },
    { canonical: 'Body Weight', patterns: [/^(?:body\s*)?weight(?:\s*\(\s*kg\s*\))?$/i, /^体重(?:\s*\(\s*kg\s*\))?$/] },
    { canonical: 'Body Height', patterns: [/^(?:body\s*)?height(?:\s*\(\s*cm\s*\))?$/i, /^身長(?:\s*\(\s*cm\s*\))?$/] },
    // ─── Vitals — sometimes AI extracts these as lab rows
    { canonical: 'Heart Rate', patterns: [/^heart\s*rate(?:\s*\(\s*bpm\s*\))?$/i, /^pulse(?:\s*rate)?$/i, /^脈拍$/, /^心拍数$/] },
    { canonical: 'Body Temperature', patterns: [/^(?:body\s*)?temperature(?:\s*\(\s*°?\s*c\s*\))?$/i, /^体温(?:\s*\(\s*°?\s*c\s*\))?$/, /^temp\.?$/i] },
    { canonical: 'Respiratory Rate', patterns: [/^respiratory\s*rate$/i, /^rr$/i, /^呼吸数$/] },
    { canonical: 'SpO2', patterns: [/^spo\s*2$/i, /^o\s*2\s*sat(?:uration)?$/i, /^oxygen\s*sat(?:uration)?$/i, /^酸素飽和度$/] },
    { canonical: 'Systolic BP', patterns: [/^systolic(?:\s*(?:bp|blood\s*pressure))?$/i, /^sbp$/i, /^bp\s*systolic$/i, /^収縮期血圧$/, /^最高血圧$/] },
    { canonical: 'Diastolic BP', patterns: [/^diastolic(?:\s*(?:bp|blood\s*pressure))?$/i, /^dbp$/i, /^bp\s*diastolic$/i, /^拡張期血圧$/, /^最低血圧$/] },
    // ─── Thyroid
    { canonical: 'TSH',        patterns: [/^tsh$/i, /^thyroid[\s\-]?stimulating\s*hormone$/i, /^甲状腺刺激ホルモン$/] },
    { canonical: 'Free T4',    patterns: [/^ft4$/i, /^free\s*t4$/i, /^free\s*thyroxine$/i, /^遊離\s*t4$/] },
    { canonical: 'Free T3',    patterns: [/^ft3$/i, /^free\s*t3$/i, /^free\s*triiodothyronine$/i, /^遊離\s*t3$/] },
    { canonical: 'Total T4',   patterns: [/^t4$/i, /^total\s*t4$/i, /^thyroxine$/i] },
    { canonical: 'Total T3',   patterns: [/^t3$/i, /^total\s*t3$/i, /^triiodothyronine$/i] },
    // ─── Cardiac
    { canonical: 'NT-proBNP',  patterns: [/^nt[\s\-]?probnp$/i] },
    { canonical: 'BNP',        patterns: [/^bnp$/i, /^b[\s\-]?type\s*natriuretic\s*peptide$/i] },
    { canonical: 'Troponin I', patterns: [/^troponin\s*i$/i, /^tn\s*i$/i, /^cardiac\s*troponin\s*i$/i] },
    { canonical: 'Troponin T', patterns: [/^troponin\s*t$/i, /^tn\s*t$/i, /^cardiac\s*troponin\s*t$/i] },
    { canonical: 'PSA',        methodNoteKey: 'psa', patterns: [/^psa$/i, /^prostate[\s\-]?specific\s*antigen$/i] },
    // ─── Inflammation / iron / vitamins
    { canonical: 'ESR',        patterns: [/^esr$/i, /^sed(?:\s*rate)?$/i, /^sedimentation\s*rate$/i, /^erythrocyte\s*sedimentation\s*rate$/i, /^赤沈$/, /^血沈$/] },
    { canonical: 'hs-CRP',     patterns: [/^hs[\s\-]?crp$/i, /^high[\s\-]?sensitivity\s*crp$/i, /^cardiac\s*crp$/i] },
    { canonical: 'Ferritin',   methodNoteKey: 'ferritin', patterns: [/^ferritin$/i, /^serum\s*ferritin$/i, /^フェリチン$/] },
    { canonical: 'Vitamin D',  patterns: [/^vit\.?\s*d$/i, /^vitamin\s*d$/i, /^25[\s\-]?(?:oh|hydroxy)[\s\-]?vit(?:amin)?\.?\s*d$/i, /^25\s*\(\s*oh\s*\)\s*d$/i, /^calcidiol$/i, /^ビタミン\s*d$/] },
    { canonical: 'Vitamin B12', patterns: [/^vit\.?\s*b\s*12$/i, /^vitamin\s*b\s*12$/i, /^b\s*12$/i, /^cobalamin$/i, /^ビタミン\s*b\s*12$/] },
    { canonical: 'Folate',     patterns: [/^folate$/i, /^folic\s*acid$/i, /^vit\.?\s*b\s*9$/i, /^vitamin\s*b\s*9$/i, /^葉酸$/] },
    // ─── Coagulation
    { canonical: 'PT',         patterns: [/^pt$/i, /^prothrombin\s*time$/i] },
    { canonical: 'INR',        patterns: [/^inr$/i, /^international\s*normalized\s*ratio$/i, /^pt[\s\-]?inr$/i] },
    { canonical: 'aPTT',       patterns: [/^a?ptt$/i, /^activated\s*ptt$/i, /^partial\s*thromboplastin\s*time$/i] },
    { canonical: 'D-dimer',    patterns: [/^d[\s\-]?dimer$/i] },
    { canonical: 'Fibrinogen', patterns: [/^fibrinogen$/i, /^fib$/i] },
    // ─── Tumor markers
    { canonical: 'AFP',        patterns: [/^afp$/i, /^alpha[\s\-]?fetoprotein$/i, /^α[\s\-]?fetoprotein$/i] },
    { canonical: 'CEA',        patterns: [/^cea$/i, /^carcinoembryonic\s*antigen$/i] },
    { canonical: 'CA 19-9',    patterns: [/^ca\s*19[\s\-]?9$/i] },
    { canonical: 'CA 125',     patterns: [/^ca\s*125$/i] },
    { canonical: 'CA 15-3',    patterns: [/^ca\s*15[\s\-]?3$/i] },
    { canonical: 'PIVKA-II',   patterns: [/^pivka[\s\-]?ii$/i, /^dcp$/i, /^des[\s\-]?gamma[\s\-]?carboxy\s*prothrombin$/i] },
    // ─── Glycemic extras
    { canonical: 'Random Glucose', patterns: [/^random\s*(?:plasma\s*)?glucose$/i, /^rpg$/i] },
    { canonical: 'Postprandial Glucose', patterns: [/^postprandial\s*glucose$/i, /^post[\s\-]?meal\s*glucose$/i, /^ppg$/i, /^pp\s*glucose$/i, /^食後血糖$/] },
    // ─── Hematology indices
    { canonical: 'RDW',        patterns: [/^rdw$/i, /^red\s*cell\s*distribution\s*width$/i] },
    { canonical: 'MPV',        patterns: [/^mpv$/i, /^mean\s*platelet\s*volume$/i] },
    { canonical: 'Reticulocytes', patterns: [/^reticulocytes?$/i, /^retic\s*count$/i, /^retics$/i] },
    // ─── Lipoprotein extras
    { canonical: 'Lipoprotein(a)', patterns: [/^lipoprotein\s*\(\s*a\s*\)$/i, /^lp\s*\(\s*a\s*\)$/i, /^lp[\s\-]?a$/i] },
    { canonical: 'Apolipoprotein A1', patterns: [/^apolipoprotein\s*a[\s\-]?1?$/i, /^apo[\s\-]?a[\s\-]?1?$/i] },
    { canonical: 'Apolipoprotein B', patterns: [/^apolipoprotein\s*b$/i, /^apo[\s\-]?b$/i] },
    // ─── CBC differentials (white-cell breakdown)
    { canonical: 'Neutrophils', patterns: [/^neutrophils?(?:\s*\(\s*%?\s*\))?$/i, /^neut$/i, /^好中球$/] },
    { canonical: 'Lymphocytes', patterns: [/^lymphocytes?(?:\s*\(\s*%?\s*\))?$/i, /^lymphs?$/i, /^リンパ球$/] },
    { canonical: 'Monocytes', patterns: [/^monocytes?(?:\s*\(\s*%?\s*\))?$/i, /^mono$/i, /^単球$/] },
    { canonical: 'Eosinophils', patterns: [/^eosinophils?(?:\s*\(\s*%?\s*\))?$/i, /^eos$/i, /^好酸球$/] },
    { canonical: 'Basophils', patterns: [/^basophils?(?:\s*\(\s*%?\s*\))?$/i, /^baso$/i, /^好塩基球$/] },
    // ─── CBC indices (red-cell quality)
    { canonical: 'MCV', patterns: [/^mcv$/i, /^mean\s*corpuscular\s*volume$/i] },
    { canonical: 'MCH', patterns: [/^mch$/i, /^mean\s*corpuscular\s*hemoglobin$/i] },
    { canonical: 'MCHC', patterns: [/^mchc$/i, /^mean\s*corpuscular\s*hemoglobin\s*concentration$/i] },
    // ─── EKG measurements
    { canonical: 'PR Interval', patterns: [/^pr\s*interval$/i, /^pr$/i] },
    { canonical: 'QRS Duration', patterns: [/^qrs(?:\s*duration)?$/i] },
    { canonical: 'QTc', patterns: [/^qtc$/i, /^qt[\s\-]?c$/i, /^corrected\s*qt$/i] },
    { canonical: 'C-T Ratio', patterns: [/^c[\s\-]?t\s*ratio$/i, /^cardiothoracic\s*ratio$/i, /^心胸郭比$/, /^ctr$/i] },
    // ─── Spirometry (lung function)
    { canonical: 'FVC', patterns: [/^fvc$/i, /^forced\s*vital\s*capacity$/i] },
    { canonical: 'FEV1', patterns: [/^fev1$/i, /^forced\s*expiratory\s*volume(?:\s*in\s*)?1?\s*(?:second)?$/i] },
    { canonical: 'FEV1/FVC', patterns: [/^fev1\.?0?\s*%$/i, /^fev1\s*\/\s*fvc$/i, /^fev1\s*to\s*fvc(?:\s*ratio)?$/i] },
    { canonical: '%FVC', patterns: [/^%\s*fvc$/i, /^percent\s*predicted\s*fvc$/i, /^fvc\s*%\s*predicted$/i] },
    { canonical: '%FEV1', patterns: [/^%\s*predicted\s*fev1?$/i, /^%\s*fev$/i, /^fev1?\s*%\s*predicted$/i] },
    // ─── Body composition extras (visceral / subcutaneous fat — CT-derived)
    { canonical: 'Visceral Fat Area', patterns: [/^visceral\s*fat\s*area(?:\s*\(vfa\))?$/i, /^vfa$/i, /^内臓脂肪面積$/] },
    { canonical: 'Subcutaneous Fat Area', patterns: [/^subcutaneous\s*fat\s*area(?:\s*\(sfa\))?$/i, /^sfa$/i, /^皮下脂肪面積$/] },
    { canonical: 'Total Fat Area', patterns: [/^total\s*fat\s*area(?:\s*\(tfa\))?$/i, /^tfa$/i, /^総脂肪面積$/] },
    { canonical: 'VFA/TFA Ratio', patterns: [/^vfa\s*\/\s*tfa(?:\s*ratio)?$/i, /^v\s*\/\s*s\s*(?:ratio)?$/i, /^v\/s$/i] },
    // ─── Ophthalmology
    { canonical: 'Ocular Pressure (Left)', patterns: [/^ocular\s*pressure\s*left$/i, /^iop[\s\-]?(?:l|left|os)$/i, /^眼圧\s*左$/] },
    { canonical: 'Ocular Pressure (Right)', patterns: [/^ocular\s*pressure\s*right$/i, /^iop[\s\-]?(?:r|right|od)$/i, /^眼圧\s*右$/] },
    // ─── Infectious disease / hepatitis screening (JP physicals routinely include)
    { canonical: 'HBs Antigen (qual)', patterns: [/^hbs.?antigen?\s*(?:\(?clia\)?)?\s*判定$/i, /^hbs抗原(?:\/clia)?\s*判定$/i, /^hbsag\s*qualitative$/i] },
    { canonical: 'HBs Antigen (quant)', patterns: [/^hbs.?antigen?\s*(?:\(?clia\)?)?\s*定量値?$/i, /^hbs抗原(?:\/clia)?\s*定量値?$/i, /^hbsag\s*quantitative$/i] },
    { canonical: 'HCV Antibody (index)', patterns: [/^hcv.?antibody.*index$/i, /^hcv抗体\s*3rd?\s*インデックス$/i] },
    { canonical: 'HCV Antibody (unit)', patterns: [/^hcv.?antibody.*unit$/i, /^hcv抗体\s*3rd?\s*ユニット$/i] },
    { canonical: 'HCV Antibody (qual)', patterns: [/^hcv.?antibody.*(?:judgment|qualitative)$/i, /^hcv抗体\s*3rd?\s*判定$/i] },
    { canonical: 'RPR (Syphilis screen)', patterns: [/^rpr(?:法)?\s*(?:定性|qualitative)?$/i, /^syphilis\s*screen$/i] },
    { canonical: 'ASO', patterns: [/^aso(?:\s*定量)?$/i, /^antistreptolysin[\s\-]?o$/i] },
    // ─── Older JP liver-function legacy tests
    { canonical: 'Z.T.T.', patterns: [/^z\.?t\.?t\.?$/i, /^zinc\s*sulfate\s*turbidity$/i] },
  ];

  // Lookup by canonical name — used to surface entry-level metadata
  // (currently methodNoteKey) without re-scanning the patterns array.
  const LAB_CANONICAL_BY_NAME = {};
  for (const __e of LAB_CANONICAL) LAB_CANONICAL_BY_NAME[__e.canonical] = __e;

  // ─── Clinical panel grouping ────────────────────────────────────
  //
  // Lab tests cluster naturally into the panels that hospitals report
  // together. Grouping the Lab Results view this way means BMI sits
  // next to Body Fat %, all the liver enzymes are together, all the
  // lipids are together, etc. — matches the mental model of an
  // annual physical report.
  //
  // Order in LAB_GROUPS = display order from top of tab.
  // Tests not listed in any group fall into the implicit "Other"
  // bucket rendered last.
  const LAB_GROUPS = [
    { id: 'body_comp',    icon: '📏', tests: ['BMI', 'Body Fat %', 'Waist Circumference', 'Body Weight', 'Body Height', 'Visceral Fat Area', 'Subcutaneous Fat Area', 'Total Fat Area', 'VFA/TFA Ratio'] },
    { id: 'vitals',       icon: '⚕', tests: ['Heart Rate', 'Systolic BP', 'Diastolic BP', 'Body Temperature', 'Respiratory Rate', 'SpO2'] },
    { id: 'lipid',        icon: '🩸', tests: ['Total Cholesterol', 'HDL Cholesterol', 'LDL Cholesterol', 'non-HDL Cholesterol', 'Triglycerides', 'β-Lipoprotein', 'Lipoprotein(a)', 'Apolipoprotein A1', 'Apolipoprotein B'] },
    { id: 'glycemic',     icon: '🍬', tests: ['Fasting Glucose', 'HbA1c', 'Random Glucose', 'Postprandial Glucose'] },
    { id: 'liver',        icon: '🫁', tests: ['ALT', 'AST', 'γ-GTP', 'ALP', 'LDH', 'Total Bilirubin', 'Direct Bilirubin', 'Total Protein', 'Albumin', 'A/G Ratio', 'Cholinesterase', 'LAP', 'Z.T.T.'] },
    { id: 'kidney',       icon: '🧂', tests: ['BUN', 'Creatinine', 'eGFR', 'Uric Acid'] },
    { id: 'cbc',          icon: '🩸', tests: ['Hemoglobin', 'Hematocrit', 'RBC', 'WBC', 'Platelets', 'MCH', 'MCHC', 'MCV', 'RDW', 'MPV', 'Reticulocytes', 'Neutrophils', 'Lymphocytes', 'Monocytes', 'Eosinophils', 'Basophils'] },
    { id: 'electrolytes', icon: '⚡', tests: ['Sodium', 'Potassium', 'Chloride', 'Calcium', 'Magnesium', 'Phosphorus'] },
    { id: 'iron',         icon: '🔩', tests: ['Iron', 'TIBC', 'UIBC', 'Ferritin'] },
    { id: 'thyroid',      icon: '🦋', tests: ['TSH', 'Free T4', 'Free T3', 'Total T4', 'Total T3'] },
    { id: 'cardiac',      icon: '❤', tests: ['NT-proBNP', 'BNP', 'Troponin I', 'Troponin T', 'CK'] },
    { id: 'ekg',          icon: '📈', tests: ['PR Interval', 'QRS Duration', 'QTc', 'C-T Ratio'] },
    { id: 'spirometry',   icon: '💨', tests: ['FVC', 'FEV1', 'FEV1/FVC', '%FVC', '%FEV1'] },
    { id: 'inflammation', icon: '🔥', tests: ['CRP', 'hs-CRP', 'ESR'] },
    { id: 'tumor_markers',icon: '🎯', tests: ['PSA', 'AFP', 'CEA', 'CA 19-9', 'CA 125', 'CA 15-3', 'PIVKA-II'] },
    { id: 'infectious',   icon: '🦠', tests: ['HBs Antigen (qual)', 'HBs Antigen (quant)', 'HCV Antibody (qual)', 'HCV Antibody (index)', 'HCV Antibody (unit)', 'RPR (Syphilis screen)', 'ASO'] },
    { id: 'vitamins',     icon: '☀', tests: ['Vitamin D', 'Vitamin B12', 'Folate'] },
    { id: 'coagulation',  icon: '🧬', tests: ['PT', 'INR', 'aPTT', 'D-dimer', 'Fibrinogen'] },
    { id: 'autoimmune',   icon: '🛡', tests: ['Rheumatoid Factor'] },
    { id: 'urinalysis',   icon: '💧', tests: ['Urine pH', 'Urine Specific Gravity', 'Urine Protein', 'Urine Glucose', 'Urine Ketones', 'Urine Bilirubin', 'Urine Nitrites', 'Urobilinogen', 'RBC (Urine)', 'WBC (Urine)', 'Epithelial cells (Urine)'] },
    { id: 'pancreas',     icon: '🍞', tests: ['Amylase'] },
    { id: 'ophthalmology',icon: '👁', tests: ['Ocular Pressure (Left)', 'Ocular Pressure (Right)'] },
  ];
  // Reverse lookup: test canonical name → group id
  const LAB_TEST_GROUP = {};
  for (const g of LAB_GROUPS) for (const t of g.tests) LAB_TEST_GROUP[t] = g.id;

  // ─── Lab test descriptions ──────────────────────────────────────
  //
  // Plain-English (and Japanese) explanations of what each test
  // measures and why it matters. Educational reference only — not
  // medical advice. Rendered as a hover popover on the test name in
  // the Lab Results table.
  //
  // Structure per test:
  //   { what, why, high?, low? } in both `en` and `jp`
  //   • what:  one sentence — what the test measures
  //   • why:   one or two sentences — clinical significance
  //   • high:  optional — common implications of elevated values
  //   • low:   optional — common implications of low values
  //
  // We keep these short and non-prescriptive on purpose. The popover
  // always footers with a disclaimer pointing the user toward their
  // doctor for interpretation.
  const LAB_INFO = {
    // ─── Liver enzymes
    'ALT': {
      en: {
        what: 'ALT (alanine aminotransferase, GPT) is an enzyme found mostly in the liver.',
        why: 'When liver cells are damaged, ALT leaks into the bloodstream. It\'s the most specific routine marker of liver-cell injury.',
        high: 'Often points to fatty liver, alcohol use, viral hepatitis, or medication effect (acetaminophen, statins, some supplements). Mild elevations are common; sustained >2× upper limit usually warrants follow-up.',
        low: 'Generally not concerning. Very low values may reflect vitamin B6 deficiency or low muscle mass.',
      },
      jp: {
        what: 'ALT(GPT・アラニンアミノ基転移酵素)は主に肝細胞に含まれる酵素です。',
        why: '肝細胞が傷害されると血中に漏れ出すため、肝障害の最も特異的な指標とされます。',
        high: '脂肪肝・飲酒・ウイルス性肝炎・薬剤性肝障害(アセトアミノフェン・スタチン等)を示唆。基準値の 2 倍超の持続的上昇は要精査。',
        low: '通常は問題なし。ビタミン B6 欠乏や筋肉量低下を示すこともあります。',
      },
    },
    'AST': {
      en: {
        what: 'AST (aspartate aminotransferase, GOT) is an enzyme found in liver, heart, muscle, and red blood cells.',
        why: 'Less liver-specific than ALT — high AST with normal ALT can point to muscle or heart issues. AST/ALT ratio is a clue: >2:1 suggests alcohol-related liver damage.',
        high: 'Liver injury, heavy exercise, recent heart muscle damage, or hemolysis. Look at AST/ALT ratio together with ALT for context.',
      },
      jp: {
        what: 'AST(GOT・アスパラギン酸アミノ基転移酵素)は肝臓・心臓・筋肉・赤血球に含まれる酵素です。',
        why: 'ALT より肝特異性は低く、AST のみ上昇する場合は筋肉や心臓由来の可能性。AST/ALT 比 > 2 はアルコール性肝障害を示唆。',
        high: '肝障害・激しい運動・心筋傷害・溶血など。ALT と組み合わせて評価します。',
      },
    },
    'γ-GTP': {
      en: {
        what: 'γ-GTP (gamma-glutamyl transferase) is an enzyme in liver and bile-duct cells.',
        why: 'Most sensitive routine marker for alcohol use and bile-duct issues. Often the first liver value to rise with regular drinking.',
        high: 'Regular alcohol consumption, bile-duct obstruction, fatty liver, certain medications (anti-seizure drugs, NSAIDs). Returns toward normal within weeks of stopping alcohol.',
      },
      jp: {
        what: 'γ-GTP(γ-グルタミルトランスフェラーゼ)は肝臓・胆道系に含まれる酵素です。',
        why: '飲酒や胆道系異常に最も敏感な肝機能マーカー。常習飲酒で最初に上昇することが多い指標です。',
        high: '飲酒・胆道閉塞・脂肪肝・抗てんかん薬や NSAIDs の影響など。禁酒で数週間以内に低下します。',
      },
    },
    'ALP': {
      en: {
        what: 'ALP (alkaline phosphatase) is an enzyme found in liver, bone, intestine, and placenta.',
        why: 'Elevations point to either bile-duct (liver) or bone activity. Pair with γ-GTP to distinguish: high ALP + high γ-GTP = liver/bile origin; high ALP + normal γ-GTP = bone origin.',
        high: 'Bile-duct blockage, liver disease, bone growth (normal in growing children/teens), bone disease (Paget\'s, healing fracture, vitamin D deficiency).',
      },
      jp: {
        what: 'ALP(アルカリホスファターゼ)は肝臓・骨・腸・胎盤に含まれる酵素です。',
        why: '上昇は胆道系か骨由来かのいずれかを示唆。γ-GTP と組み合わせて鑑別:両方上昇なら肝・胆道、ALP のみなら骨由来。',
        high: '胆道閉塞・肝疾患・成長期の骨形成(小児で生理的に高値)・骨疾患(パジェット病・骨折治癒・ビタミン D 不足)。',
      },
    },
    'LDH': {
      en: {
        what: 'LDH (lactate dehydrogenase) is an enzyme found in nearly every tissue.',
        why: 'Non-specific marker of cell damage. Elevated LDH says "something is dying somewhere" — but the cause needs context (liver, heart, blood, muscle, tumor).',
        high: 'Hemolysis, heart attack, liver disease, muscle injury, tumor lysis. Often part of broad screening rather than a primary diagnostic.',
      },
      jp: {
        what: 'LDH(乳酸脱水素酵素)は全身のほぼ全ての組織に含まれる酵素です。',
        why: '非特異的な細胞障害マーカー。「どこかで細胞が壊れている」ことは示しますが、部位の鑑別には他の検査と組み合わせが必要。',
        high: '溶血・心筋梗塞・肝疾患・筋障害・腫瘍崩壊など。スクリーニングの一環として測定されることが多い指標。',
      },
    },
    'Total Bilirubin': {
      en: {
        what: 'Total bilirubin is the breakdown product of old red blood cells, processed by the liver.',
        why: 'Elevations cause jaundice (yellow skin/eyes). Distinguishes pre-hepatic (hemolysis), hepatic (liver disease), and post-hepatic (bile-duct blockage) causes when split into direct/indirect.',
        high: 'Hemolysis, liver disease, bile-duct obstruction, or benign Gilbert\'s syndrome (~5% of people, harmless mild elevation).',
      },
      jp: {
        what: '総ビリルビンは古い赤血球が分解されてできる物質で、肝臓で処理されます。',
        why: '上昇は黄疸の原因。直接/間接ビリルビンの分画で、溶血・肝疾患・胆道閉塞のどれが原因かを鑑別します。',
        high: '溶血・肝疾患・胆道閉塞・体質性黄疸(ジルベール症候群:約 5% の人に見られる軽度の上昇で無害)。',
      },
    },
    'Albumin': {
      en: {
        what: 'Albumin is the most abundant protein made by the liver, carried in blood.',
        why: 'Reflects long-term liver synthesis and nutritional state. Half-life is ~20 days so it changes slowly.',
        low: 'Chronic liver disease, malnutrition, protein-losing kidney disease, severe inflammation. Acute illness can also drop albumin temporarily.',
      },
      jp: {
        what: 'アルブミンは肝臓で作られる血中の主要タンパク質です。',
        why: '肝臓の合成能と長期の栄養状態を反映。半減期約 20 日なので変動はゆっくりです。',
        low: '慢性肝疾患・低栄養・タンパク漏出性腎症・重度の炎症など。急性疾患でも一時的に低下することがあります。',
      },
    },
    'Total Protein': {
      en: {
        what: 'Total protein = albumin + globulin (immune proteins).',
        why: 'Quick screen for overall protein status. The A/G ratio is more informative than total alone — high globulin (low A/G) suggests inflammation or certain blood cancers.',
      },
      jp: {
        what: '総タンパク = アルブミン + グロブリン(免疫系タンパク)。',
        why: '全体のタンパク量を把握。総タンパクより A/G 比のほうが情報量が多い:グロブリン高値(A/G 低下)は炎症や血液腫瘍を示唆。',
      },
    },
    // ─── Kidney
    'BUN': {
      en: {
        what: 'BUN (blood urea nitrogen) is a waste product of protein metabolism cleared by the kidneys.',
        why: 'Combined with creatinine and eGFR, it gauges kidney function. BUN is sensitive to hydration and protein intake.',
        high: 'Dehydration, high-protein diet, kidney impairment, GI bleeding, heart failure.',
        low: 'Low-protein diet, severe liver disease, overhydration.',
      },
      jp: {
        what: 'BUN(血中尿素窒素)はタンパク質代謝の最終産物で、腎臓から排泄されます。',
        why: 'クレアチニン・eGFR と合わせて腎機能を評価。脱水と食事タンパク量に敏感です。',
        high: '脱水・高タンパク食・腎機能低下・消化管出血・心不全。',
        low: '低タンパク食・重度の肝疾患・過剰補液。',
      },
    },
    'Creatinine': {
      en: {
        what: 'Creatinine is a muscle-metabolism byproduct cleared by the kidneys at a steady rate.',
        why: 'The most-used routine marker of kidney filtration. Less hydration-sensitive than BUN. Muscle mass and meat intake nudge values up.',
        high: 'Kidney function decline, severe dehydration, intense exercise (transient), large muscle mass (baseline higher).',
        low: 'Low muscle mass, advanced liver disease, pregnancy (physiologic).',
      },
      jp: {
        what: 'クレアチニンは筋肉代謝の老廃物で、腎臓から一定の速度で排泄されます。',
        why: '腎機能評価の最も基本的な指標。BUN より水分量の影響を受けにくく、筋肉量と肉摂取で多少変動します。',
        high: '腎機能低下・重度の脱水・激しい運動(一時的)・筋肉量が多い体格(ベースが高め)。',
        low: '筋肉量低下・進行した肝疾患・妊娠(生理的)。',
      },
    },
    'eGFR': {
      en: {
        what: 'eGFR (estimated Glomerular Filtration Rate) estimates how much blood the kidneys filter per minute, normalized to body surface area.',
        why: 'The clinical headline number for kidney function. CKD stages: ≥90 normal, 60-89 mild ↓, 30-59 moderate ↓ (CKD 3), <30 severe (CKD 4-5).',
        low: 'Chronic kidney disease, acute kidney injury, dehydration. Steady year-over-year decline > 5 mL/min/yr warrants follow-up.',
      },
      jp: {
        what: 'eGFR(推算糸球体濾過量)は腎臓が 1 分間に濾過する血液量を体表面積で補正した推定値です。',
        why: '腎機能の代表的な数値。慢性腎臓病(CKD)のステージ:≥90 正常、60-89 軽度低下、30-59 中等度低下(CKD 3)、<30 重度(CKD 4-5)。',
        low: '慢性腎臓病・急性腎障害・脱水。年間 5 mL/min 以上の低下は精査が必要。',
      },
    },
    'Uric Acid': {
      en: {
        what: 'Uric acid is the breakdown product of purines (in meat, organ meats, beer, fructose).',
        why: 'Elevated uric acid causes gout (crystal arthritis) and is associated with metabolic syndrome and cardiovascular risk.',
        high: 'Gout/hyperuricemia, high-purine diet, alcohol, dehydration, kidney impairment, certain medications (diuretics). Risk of gout flare rises sharply above ~7 mg/dL.',
        low: 'Rarely concerning; can occur with certain medications or genetic conditions.',
      },
      jp: {
        what: '尿酸はプリン体(肉・内臓・ビール・果糖)の代謝終産物です。',
        why: '高尿酸血症は痛風(結晶性関節炎)の原因となり、メタボリックシンドローム・心血管リスクとも関連します。',
        high: '痛風・高プリン食・飲酒・脱水・腎機能低下・利尿薬。7 mg/dL を超えると痛風発作リスクが急上昇。',
        low: '通常は問題なし。一部薬剤や遺伝性疾患で見られます。',
      },
    },
    // ─── Lipid panel
    'HDL Cholesterol': {
      en: {
        what: 'HDL ("good cholesterol") carries cholesterol from tissues back to the liver for disposal.',
        why: 'Higher HDL is generally protective against heart disease. Targets: men > 40, women > 50 mg/dL.',
        high: 'Usually favorable. Very high (>90) can occasionally signal genetic or alcohol-related conditions.',
        low: 'Low HDL is a cardiovascular risk factor. Linked to obesity, sedentary lifestyle, smoking, type 2 diabetes, certain genetics.',
      },
      jp: {
        what: 'HDL(善玉コレステロール)は組織のコレステロールを肝臓に運び戻して処理させます。',
        why: 'HDL 高値は心疾患予防的とされます。目標値:男性 > 40、女性 > 50 mg/dL。',
        high: '通常は良好。極端に高値(>90)は遺伝性やアルコールが関与することも。',
        low: '心血管リスク因子。肥満・運動不足・喫煙・2 型糖尿病・遺伝などと関連。',
      },
    },
    'LDL Cholesterol': {
      en: {
        what: 'LDL ("bad cholesterol") carries cholesterol from the liver to tissues; excess builds up in artery walls.',
        why: 'The primary lipid target for cardiovascular risk reduction. Optimal < 100; <70 for high-risk patients (prior heart attack, diabetes).',
        high: 'Atherosclerosis, heart disease risk. Drivers: saturated fat intake, genetics (familial hypercholesterolemia), hypothyroidism, certain medications.',
      },
      jp: {
        what: 'LDL(悪玉コレステロール)は肝臓から組織にコレステロールを運び、過剰分は動脈壁に蓄積します。',
        why: '心血管リスク低減の最重要指標。目標値:< 100、高リスク者(心筋梗塞既往・糖尿病)は < 70。',
        high: '動脈硬化・心疾患リスク。飽和脂肪酸の過剰摂取・遺伝(家族性高コレステロール血症)・甲状腺機能低下症・薬剤の影響。',
      },
    },
    'non-HDL Cholesterol': {
      en: {
        what: 'Non-HDL = Total cholesterol − HDL. Captures all "atherogenic" (artery-damaging) particles: LDL + VLDL + IDL + Lp(a).',
        why: 'More comprehensive cardiovascular risk marker than LDL alone, especially when triglycerides are elevated. Target: 30 mg/dL above your LDL goal.',
      },
      jp: {
        what: 'Non-HDL = 総コレステロール − HDL。LDL・VLDL・IDL・Lp(a) など動脈硬化性粒子すべてを含む指標です。',
        why: 'LDL 単独より包括的な心血管リスク評価。中性脂肪が高い時に特に有用。目標値は LDL 目標 + 30 mg/dL。',
      },
    },
    'Total Cholesterol': {
      en: {
        what: 'Total cholesterol = HDL + LDL + ~20% of triglycerides.',
        why: 'Useful as a screening number but less informative than the breakdown. Two people with the same total can have very different cardiovascular risk depending on the HDL/LDL split.',
      },
      jp: {
        what: '総コレステロール = HDL + LDL + 中性脂肪の約 20%。',
        why: 'スクリーニングには有用ですが、内訳の方が情報量が多いです。同じ総コレステロールでも HDL/LDL の比率で心血管リスクは大きく変わります。',
      },
    },
    'Triglycerides': {
      en: {
        what: 'Triglycerides are the main form of fat stored and transported in blood.',
        why: 'High triglycerides are linked to metabolic syndrome, fatty liver, and pancreatitis (when very high, >500). Values strongly depend on fasting state.',
        high: 'Recent meal (especially carbs/alcohol), metabolic syndrome, type 2 diabetes, hypothyroidism, certain medications. Genetic forms also exist.',
      },
      jp: {
        what: '中性脂肪(トリグリセライド)は体内で貯蔵・運搬される脂肪の主要形態です。',
        why: '高値はメタボリックシンドローム・脂肪肝・膵炎(極めて高値 >500 で)と関連。食事(空腹時間)に大きく依存します。',
        high: '直近の食事(特に糖質・アルコール)・メタボリックシンドローム・2 型糖尿病・甲状腺機能低下症・薬剤性。遺伝性もあり。',
      },
    },
    // ─── Glycemic
    'Fasting Glucose': {
      en: {
        what: 'Plasma glucose level after at least 8 hours without eating.',
        why: 'Primary diabetes screening test alongside HbA1c. Diagnostic cutoffs: <100 normal, 100-125 prediabetes, ≥126 diabetes (confirmed on two occasions).',
        high: 'Diabetes, stress hyperglycemia, certain medications (steroids), Cushing\'s syndrome.',
      },
      jp: {
        what: '8 時間以上絶食後の血糖値です。',
        why: 'HbA1c と並ぶ糖尿病スクリーニングの基本検査。診断基準:<100 正常、100-125 糖尿病予備軍、≥126 糖尿病(2 回確認)。',
        high: '糖尿病・ストレス性高血糖・薬剤性(ステロイドなど)・クッシング症候群。',
      },
    },
    'HbA1c': {
      en: {
        what: 'HbA1c reflects the average blood glucose over the past 2-3 months by measuring sugar bound to hemoglobin.',
        why: 'The clinical gold standard for diabetes diagnosis and management. Cutoffs: <5.7% normal, 5.7-6.4% prediabetes, ≥6.5% diabetes.',
        high: 'Persistently elevated blood sugar over months. Each 1% drop reduces diabetes complications meaningfully.',
        low: 'Recent transfusion, hemolytic anemia, hemoglobinopathies (sickle cell, thalassemia) can artifactually lower HbA1c.',
      },
      jp: {
        what: 'HbA1c は過去 2〜3 ヶ月の平均血糖値を反映する指標で、ヘモグロビンに結合した糖を測定します。',
        why: '糖尿病の診断・管理における臨床ゴールドスタンダード。基準値:<5.7% 正常、5.7-6.4% 糖尿病予備軍、≥6.5% 糖尿病。',
        high: '数ヶ月単位の高血糖の持続を示唆。1% の低下で糖尿病合併症リスクが大幅に減少します。',
        low: '輸血・溶血性貧血・異常ヘモグロビン症(鎌状赤血球症・サラセミア等)で見かけ上低くなることがあります。',
      },
    },
    // ─── CBC
    'Hemoglobin': {
      en: {
        what: 'Hemoglobin is the iron-containing protein in red blood cells that carries oxygen.',
        why: 'Primary screen for anemia. Sex-specific norms: men 13.5-17.5, women 12-15.5 g/dL.',
        high: 'Dehydration (most common reason for mild elevation), high-altitude living, smoking, polycythemia, lung disease.',
        low: 'Anemia: iron deficiency (most common), B12/folate deficiency, chronic disease, blood loss, kidney disease.',
      },
      jp: {
        what: 'ヘモグロビンは赤血球内の鉄含有タンパクで、酸素を運搬します。',
        why: '貧血スクリーニングの基本指標。性別基準:男性 13.5-17.5、女性 12-15.5 g/dL。',
        high: '脱水(最も多い軽度上昇の原因)・高地居住・喫煙・多血症・肺疾患。',
        low: '貧血:鉄欠乏(最多)・ビタミン B12/葉酸欠乏・慢性疾患・出血・腎疾患。',
      },
    },
    'Hematocrit': {
      en: {
        what: 'Hematocrit is the percentage of blood volume occupied by red blood cells.',
        why: 'Closely tracks hemoglobin (usually ~3× the Hb value). Same diagnostic territory as hemoglobin: screens for anemia and red-cell excess.',
      },
      jp: {
        what: 'ヘマトクリットは血液中の赤血球が占める容積の割合(%)です。',
        why: 'ヘモグロビンとほぼ連動(通常 Hb の約 3 倍)。貧血や多血症のスクリーニングに使用されます。',
      },
    },
    'RBC': {
      en: {
        what: 'Red blood cell count — how many oxygen-carrying cells are in a unit volume of blood.',
        why: 'Part of the CBC. Less informative alone than hemoglobin or hematocrit; pair with MCV/MCH to characterize anemia type.',
      },
      jp: {
        what: '赤血球数 — 一定容積の血液中に含まれる酸素運搬細胞の数。',
        why: 'CBC の一部。単独より MCV/MCH と組み合わせて貧血のタイプ分類に使います。',
      },
    },
    'WBC': {
      en: {
        what: 'White blood cell count — the immune system\'s soldiers (neutrophils, lymphocytes, monocytes, eosinophils, basophils).',
        why: 'Primary screen for infection, inflammation, and certain cancers.',
        high: 'Bacterial infection, stress, steroid use, recent exercise, smoking. Very high (>20,000) can suggest leukemia.',
        low: 'Viral infection, severe sepsis (paradoxically), bone marrow suppression, autoimmune disease, certain medications (chemotherapy).',
      },
      jp: {
        what: '白血球数 — 免疫システムの細胞群(好中球・リンパ球・単球・好酸球・好塩基球)。',
        why: '感染・炎症・特定の血液腫瘍のスクリーニング。',
        high: '細菌感染・ストレス・ステロイド使用・運動直後・喫煙。極めて高値(>20,000)は白血病の可能性。',
        low: 'ウイルス感染・重症敗血症(逆説的)・骨髄抑制・自己免疫疾患・化学療法など。',
      },
    },
    'Platelets': {
      en: {
        what: 'Platelets are small cell fragments that initiate blood clotting.',
        why: 'Bleeding risk rises significantly below 50,000; clotting risk rises above ~600,000.',
        low: 'Viral infection, autoimmune destruction (ITP), liver disease, certain medications, bone marrow disorders.',
        high: 'Inflammation, iron deficiency, post-surgery recovery, post-splenectomy, essential thrombocythemia.',
      },
      jp: {
        what: '血小板は血液凝固を開始する小さな細胞断片です。',
        why: '50,000 を下回ると出血リスクが顕著に上昇、約 600,000 を超えると血栓リスクが上昇します。',
        low: 'ウイルス感染・自己免疫性破壊(ITP)・肝疾患・薬剤性・骨髄疾患。',
        high: '炎症・鉄欠乏・術後回復期・脾摘後・本態性血小板血症。',
      },
    },
    // ─── Electrolytes (brief)
    'Sodium': {
      en: {
        what: 'Sodium is the main electrolyte regulating water balance in the body.',
        why: 'Tightly controlled. Out-of-range values reflect water/sodium balance disturbance, not usually salt intake.',
        high: 'Dehydration, diabetes insipidus, excess salt intake (rare cause alone).',
        low: 'Overhydration, certain medications (diuretics, SSRIs), heart/liver/kidney failure, SIADH.',
      },
      jp: {
        what: 'ナトリウムは体内の水分バランスを調節する主要電解質です。',
        why: '厳密に制御されており、異常値は通常、塩分摂取量より水分・ナトリウムバランスの問題を反映します。',
        high: '脱水・尿崩症・過剰塩分摂取(単独原因は稀)。',
        low: '過剰水分摂取・薬剤性(利尿薬・SSRI)・心不全/肝不全/腎不全・SIADH。',
      },
    },
    'Potassium': {
      en: {
        what: 'Potassium is the main intracellular electrolyte, critical for heart rhythm and muscle function.',
        why: 'Very tight normal range. Both high and low values can cause dangerous heart rhythm disturbances.',
        high: 'Kidney disease, certain medications (ACE inhibitors, ARBs, K-sparing diuretics), tissue breakdown. Hemolyzed sample is a common false elevation.',
        low: 'Diuretic use, vomiting/diarrhea, low intake, certain genetic conditions.',
      },
      jp: {
        what: 'カリウムは細胞内の主要電解質で、心臓のリズムと筋機能に重要です。',
        why: '極めて狭い正常範囲。高値も低値も致死的な不整脈を起こし得ます。',
        high: '腎疾患・薬剤性(ACE 阻害薬・ARB・K 保持利尿薬)・組織崩壊。溶血検体での偽高値も多い。',
        low: '利尿薬・嘔吐/下痢・摂取不足・遺伝性疾患。',
      },
    },
    'Calcium': {
      en: {
        what: 'Calcium is the most abundant mineral, regulated by parathyroid hormone and vitamin D.',
        why: 'Critical for bone, nerve, and muscle function. Albumin-adjusted calcium is more accurate when albumin is low.',
        high: 'Hyperparathyroidism (most common), certain cancers, excess vitamin D, immobility, some medications (thiazide diuretics, lithium).',
        low: 'Vitamin D deficiency, kidney disease, low albumin (often a false low — check corrected), hypoparathyroidism.',
      },
      jp: {
        what: 'カルシウムは体内で最も多いミネラルで、副甲状腺ホルモンとビタミン D で調節されます。',
        why: '骨・神経・筋肉に必須。アルブミンが低い場合は補正カルシウムで評価。',
        high: '副甲状腺機能亢進症(最多)・特定のがん・ビタミン D 過剰・寝たきり・薬剤(サイアザイド・リチウム)。',
        low: 'ビタミン D 不足・腎疾患・低アルブミン血症(補正で正常なことが多い)・副甲状腺機能低下症。',
      },
    },
    // ─── Iron studies
    'Iron': {
      en: {
        what: 'Serum iron measures iron currently circulating bound to transferrin.',
        why: 'Interpret with TIBC and ferritin — iron alone fluctuates daily with diet and time of day. Best drawn fasting in the morning.',
      },
      jp: {
        what: '血清鉄はトランスフェリンに結合した循環血中の鉄を測定します。',
        why: 'TIBC・フェリチンと併せて解釈。単独では食事と時間帯で日内変動。朝の空腹時採血が望ましい。',
      },
    },
    'Ferritin': {
      en: {
        what: 'Ferritin is the body\'s iron-storage protein. Low ferritin = depleted iron stores.',
        why: 'Most reliable marker for iron deficiency. Catches iron deficiency earlier than hemoglobin drops.',
        high: 'Inflammation (acute-phase reactant — rises in any inflammatory state regardless of iron status), liver disease, iron overload (hemochromatosis), chronic alcohol use.',
        low: 'Iron deficiency. Often well before anemia develops. Most common cause: dietary intake, menstrual losses, GI bleeding.',
      },
      jp: {
        what: 'フェリチンは体内の鉄貯蔵タンパクです。低値 = 鉄貯蔵の枯渇。',
        why: '鉄欠乏の最も信頼できる指標。ヘモグロビン低下より早く鉄欠乏を捉えます。',
        high: '炎症(急性期反応物 — 鉄状態と関係なく炎症で上昇)・肝疾患・鉄過剰症(ヘモクロマトーシス)・慢性飲酒。',
        low: '鉄欠乏。貧血になる前に低下することが多い。原因:食事・月経・消化管出血。',
      },
    },
    // ─── Inflammation
    'CRP': {
      en: {
        what: 'CRP (C-reactive protein) is a liver protein that surges during inflammation.',
        why: 'Non-specific marker — rises with any inflammation (infection, autoimmune, injury, post-surgery). Standard CRP screens for acute inflammation; hs-CRP is more sensitive for low-grade chronic inflammation linked to cardiovascular risk.',
        high: 'Active infection, autoimmune flare, recent surgery, obesity, smoking, chronic inflammation.',
      },
      jp: {
        what: 'CRP(C 反応性タンパク)は炎症時に肝臓で増産されるタンパクです。',
        why: '非特異的な炎症マーカー。感染・自己免疫疾患・外傷・術後など、あらゆる炎症で上昇。標準 CRP は急性炎症のスクリーニング、hs-CRP は心血管リスクに関連する慢性低度炎症の検出に。',
        high: '活動性感染・自己免疫増悪・術後・肥満・喫煙・慢性炎症。',
      },
    },
    // ─── Thyroid
    'TSH': {
      en: {
        what: 'TSH (Thyroid-Stimulating Hormone) is released by the pituitary to signal the thyroid.',
        why: 'The most sensitive single test of thyroid function. High TSH = underactive thyroid (gland needs more push). Low TSH = overactive thyroid.',
        high: 'Hypothyroidism (Hashimoto\'s, post-radiation, certain medications, iodine deficiency).',
        low: 'Hyperthyroidism (Graves\', toxic nodule), excessive thyroid replacement, pituitary disease (rare).',
      },
      jp: {
        what: 'TSH(甲状腺刺激ホルモン)は下垂体から分泌され、甲状腺を刺激します。',
        why: '甲状腺機能の最も鋭敏な単独指標。TSH 高値 = 甲状腺機能低下(刺激を強めている)、低値 = 機能亢進。',
        high: '甲状腺機能低下症(橋本病・放射線治療後・薬剤性・ヨード不足)。',
        low: '甲状腺機能亢進症(バセドウ病・中毒性結節)・甲状腺ホルモン補充過剰・下垂体疾患(稀)。',
      },
    },
    'Free T4': {
      en: {
        what: 'Free T4 is the unbound, active form of the main thyroid hormone (thyroxine).',
        why: 'Direct measure of thyroid output. Pair with TSH: high TSH + low Free T4 = clear hypothyroidism; high TSH + normal Free T4 = subclinical hypothyroidism.',
      },
      jp: {
        what: 'Free T4 は遊離型(活性型)の主要甲状腺ホルモン(サイロキシン)です。',
        why: '甲状腺の産生量を直接測定。TSH と組み合わせる:TSH 高値 + Free T4 低値 = 顕性甲状腺機能低下症、TSH 高値 + Free T4 正常 = 潜在性。',
      },
    },
    // ─── Cardiac / cancer / other
    'PSA': {
      en: {
        what: 'PSA (Prostate-Specific Antigen) is a protein produced by the prostate gland.',
        why: 'Screens for prostate cancer in men ≥50 (≥45 with risk factors). Normal range varies by age; a rising trend matters more than a single value.',
        high: 'Prostate cancer (most concerning), benign prostatic enlargement, prostatitis, recent DRE, ejaculation within 48h, or prostate biopsy can transiently elevate values.',
      },
      jp: {
        what: 'PSA(前立腺特異抗原)は前立腺で産生されるタンパクです。',
        why: '50 歳以上(リスクありで 45 歳以上)の男性の前立腺がんスクリーニング。基準値は年齢別、単発の値より経時変化が重要。',
        high: '前立腺がん(最も注意)・良性前立腺肥大・前立腺炎・直腸診後・48 時間以内の射精・生検後でも一時的に上昇。',
      },
    },
    'Amylase': {
      en: {
        what: 'Amylase is an enzyme produced by the pancreas and salivary glands that digests carbohydrates.',
        why: 'Primary screen for pancreatitis when paired with abdominal pain.',
        high: 'Acute pancreatitis (3-5× upper limit typical), salivary gland disorders, kidney impairment, ectopic pregnancy.',
      },
      jp: {
        what: 'アミラーゼは膵臓と唾液腺で産生される糖質消化酵素です。',
        why: '腹痛と組み合わせて膵炎を疑う際の基本検査。',
        high: '急性膵炎(基準値の 3〜5 倍が典型)・唾液腺疾患・腎機能低下・子宮外妊娠。',
      },
    },
    'CK': {
      en: {
        what: 'CK (creatine kinase / CPK) is an enzyme found in muscle, heart, and brain.',
        why: 'Marker of muscle damage. Elevation context matters: skeletal muscle (exercise/injury), cardiac (heart attack — though troponin is now preferred), brain.',
        high: 'Strenuous exercise (can elevate 10-100× within 24h), muscle injury, statin-related myopathy, rhabdomyolysis.',
      },
      jp: {
        what: 'CK(クレアチンキナーゼ・CPK)は筋肉・心臓・脳に含まれる酵素です。',
        why: '筋障害マーカー。骨格筋(運動・外傷)、心筋(現在は主にトロポニンで評価)、脳など部位の鑑別が必要。',
        high: '激しい運動(24 時間以内に 10〜100 倍に上昇することも)・筋外傷・スタチンによる筋障害・横紋筋融解症。',
      },
    },
    // ─── Vitamins
    'Vitamin D': {
      en: {
        what: '25-hydroxyvitamin D — the storage form of vitamin D, made in skin from sunlight + diet.',
        why: 'Essential for calcium absorption and bone health; also linked to immune function. Targets: ≥30 ng/mL (some labs ≥20).',
        low: 'Vitamin D deficiency. Common in indoor lifestyles, dark skin, northern latitudes, winter, sunscreen use, malabsorption.',
      },
      jp: {
        what: '25-水酸化ビタミン D — 皮膚での日光暴露+食事で作られるビタミン D の貯蔵型です。',
        why: 'カルシウム吸収と骨健康に必須、免疫機能とも関連。目標値:≥30 ng/mL(検査機関により ≥20)。',
        low: 'ビタミン D 不足。屋内生活・色素の濃い肌・高緯度地域・冬季・日焼け止め使用・吸収不良。',
      },
    },
    'Vitamin B12': {
      en: {
        what: 'Vitamin B12 (cobalamin) is essential for red blood cell formation and nerve function.',
        why: 'Deficiency causes anemia (macrocytic — MCV ↑) and irreversible neurologic damage if prolonged.',
        low: 'Pernicious anemia, vegan/vegetarian diet without supplementation, advanced age (reduced absorption), metformin use, gastric bypass.',
      },
      jp: {
        what: 'ビタミン B12(コバラミン)は赤血球生成と神経機能に必須です。',
        why: '欠乏は大球性貧血(MCV ↑)を起こし、長期化すると不可逆的な神経障害につながります。',
        low: '悪性貧血・サプリなしのビーガン/ベジタリアン食・高齢(吸収低下)・メトホルミン使用・胃バイパス手術後。',
      },
    },
    // ─── Body composition (link the methodNoteKey-only entries to their info)
    'BMI': {
      en: {
        what: 'BMI (Body Mass Index) = weight (kg) ÷ height (m)². A rough screening number for body size.',
        why: 'Useful for population studies but limited for individuals — doesn\'t distinguish muscle from fat. A muscular person can have a "high" BMI without health risk.',
        high: 'WHO categories: 25-29.9 overweight, 30-34.9 obese class I, ≥35 obese class II/III. Asian populations use lower thresholds (23/25/30).',
      },
      jp: {
        what: 'BMI(体格指数)= 体重(kg)÷ 身長(m)²。体格の簡易スクリーニング指標。',
        why: '集団統計には有用ですが個人では限界あり — 筋肉と脂肪を区別できません。筋肉質な人は健康でも高 BMI になります。',
        high: 'WHO 基準:25-29.9 過体重、30-34.9 肥満度 I、≥35 肥満度 II/III。アジア人基準では 23/25/30 と低めに設定。',
      },
    },
    'Body Fat %': {
      en: {
        what: 'Body fat percentage — proportion of body mass that\'s fat tissue (vs muscle, bone, organ, water).',
        why: 'More direct measure of body composition than BMI. Healthy ranges depend on sex and age — typical adult: men 10-22%, women 20-32%.',
      },
      jp: {
        what: '体脂肪率 — 体重に占める脂肪組織の割合(筋肉・骨・臓器・水分を除く)。',
        why: 'BMI より体組成を直接的に評価。基準値は性別と年齢で異なる:成人男性 10-22%、女性 20-32% 程度。',
      },
    },
    'Waist Circumference': {
      en: {
        what: 'Waist circumference measures abdominal (visceral) fat — the most metabolically dangerous fat depot.',
        why: 'Stronger predictor of cardiovascular and metabolic disease than BMI. JP cutoff for metabolic syndrome: men <85 cm, women <90 cm. US (ATP-III): men <102 cm, women <88 cm.',
      },
      jp: {
        what: '腹囲は腹部内臓脂肪の蓄積を測定します — 最も代謝的に危険な脂肪です。',
        why: 'BMI より心血管・代謝疾患の予測力が高い指標。日本のメタボリックシンドローム基準:男性 <85 cm、女性 <90 cm。米国(ATP-III):男性 <102 cm、女性 <88 cm。',
      },
    },
    'Body Weight': {
      en: { what: 'Total body mass in kilograms.', why: 'Combined with height for BMI; useful for trend tracking. Day-to-day fluctuations of 1-2 kg are normal (hydration, glycogen).' },
      jp: { what: '体重(kg)。', why: '身長と組み合わせて BMI 算出。推移評価に有用。1〜2 kg の日内変動は正常(水分・グリコーゲン)。' },
    },
    'Body Height': {
      en: { what: 'Height in centimeters.', why: 'Reference for BMI. Adults gradually lose 1-2 cm with age. Sudden noticeable loss can suggest osteoporotic compression fractures.' },
      jp: { what: '身長(cm)。', why: 'BMI 算出の基礎。成人は加齢で 1〜2 cm 減少。急な明らかな身長低下は骨粗鬆症性圧迫骨折を示唆。' },
    },
    'Visceral Fat Area': {
      en: { what: 'CT-measured cross-section area of fat surrounding internal organs at the L4-L5 level.', why: 'Most accurate single measure of metabolic risk. JP target: <100 cm². Visceral fat is far more dangerous than subcutaneous fat.', high: 'Strong predictor of cardiovascular disease, type 2 diabetes, NAFLD, certain cancers.' },
      jp: { what: 'L4-L5 レベルの CT 撮影で測定する内臓周囲の脂肪断面積。', why: '代謝リスクの最も正確な単独指標。日本目標値:<100 cm²。内臓脂肪は皮下脂肪より遥かに危険。', high: '心血管疾患・2 型糖尿病・脂肪肝・特定のがんの強力な予測因子。' },
    },
    'Subcutaneous Fat Area': {
      en: { what: 'CT-measured cross-section area of fat just under the skin at the L4-L5 level.', why: 'Less metabolically active than visceral fat — high SFA alone is less dangerous than high VFA.' },
      jp: { what: 'L4-L5 レベルの CT 撮影で測定する皮膚直下の脂肪断面積。', why: '内臓脂肪より代謝的に不活発 — SFA 単独高値は VFA 高値より危険性は低い。' },
    },
    'Total Fat Area': {
      en: { what: 'Sum of visceral + subcutaneous fat area at the L4-L5 level.', why: 'Total abdominal fat burden. The VFA/TFA ratio is more clinically meaningful than total alone.' },
      jp: { what: '内臓脂肪 + 皮下脂肪面積の合計(L4-L5 レベル)。', why: '腹部総脂肪量。総量より VFA/TFA 比のほうが臨床的意義が大きい。' },
    },
    'VFA/TFA Ratio': {
      en: { what: 'Ratio of visceral to total fat area.', why: 'How much of your abdominal fat is the dangerous visceral kind. Higher ratio = higher metabolic risk for the same total fat.' },
      jp: { what: '内臓脂肪 ÷ 総脂肪面積の比。', why: '腹部脂肪のうち内臓脂肪が占める割合。同じ総脂肪量でも比が高いほど代謝リスクが高い。' },
    },
    // ─── Vitals
    'Heart Rate': {
      en: { what: 'Resting heart beats per minute.', why: 'Reflects cardiovascular fitness and autonomic balance. Normal: 60-100. Athletes often 40-60.', high: 'Stress, caffeine, dehydration, anemia, hyperthyroidism, infection.', low: 'Cardiovascular fitness (healthy), beta-blockers, hypothyroidism, advanced heart block.' },
      jp: { what: '安静時の心拍数(回/分)。', why: '心血管系の体力と自律神経バランスを反映。正常:60〜100。アスリートでは 40〜60 が一般的。', high: 'ストレス・カフェイン・脱水・貧血・甲状腺機能亢進症・感染症。', low: '体力(健康的)・β 遮断薬・甲状腺機能低下症・房室ブロック。' },
    },
    'Systolic BP': {
      en: { what: 'The higher blood pressure number — pressure during heart contraction.', why: 'Primary cardiovascular risk indicator. Target <120 ideal; 120-129 elevated; ≥130 stage 1 hypertension; ≥140 stage 2.', high: 'Hypertension, stress, salt sensitivity, kidney disease, certain medications. Often "silent" until complications appear.' },
      jp: { what: '上の血圧 — 心臓収縮時の動脈圧。', why: '心血管リスクの主要指標。理想 <120、120-129 高値正常、≥130 高血圧 I 度、≥140 II 度。', high: '高血圧・ストレス・食塩感受性・腎疾患・薬剤性。合併症が出るまで「沈黙の疾患」と呼ばれます。' },
    },
    'Diastolic BP': {
      en: { what: 'The lower blood pressure number — pressure during heart relaxation.', why: 'Reflects baseline vascular resistance. Target <80; ≥80 stage 1; ≥90 stage 2 hypertension.', high: 'Often rises before systolic in younger people. Associated with peripheral resistance, kidney issues.' },
      jp: { what: '下の血圧 — 心臓拡張期の動脈圧。', why: 'ベースの血管抵抗を反映。目標 <80、≥80 I 度、≥90 II 度。', high: '若年では収縮期より先に上昇することが多い。末梢血管抵抗・腎疾患と関連。' },
    },
    'Body Temperature': {
      en: { what: 'Core body temperature.', why: 'Normal: 36.1-37.2°C (97-99°F). Fever defined as ≥38°C (100.4°F) typically.', high: 'Infection, inflammation, heat exposure, certain medications (serotonin syndrome, malignant hyperthermia).', low: 'Cold exposure, hypothyroidism, sepsis (paradoxically), elderly.' },
      jp: { what: '体温(深部体温)。', why: '正常:36.1〜37.2°C。発熱の定義は通常 ≥38°C。', high: '感染・炎症・熱中症・薬剤性(セロトニン症候群・悪性高熱症)。', low: '寒冷暴露・甲状腺機能低下症・敗血症(逆説的)・高齢者。' },
    },
    'Respiratory Rate': {
      en: { what: 'Breaths per minute at rest.', why: 'Normal adult: 12-20. One of the most sensitive vital signs — changes early in clinical deterioration.', high: 'Anxiety, fever, pulmonary disease, acidosis, sepsis. Often the first vital sign to change in deterioration.', low: 'Opioid effect, sleep, hypothyroidism, central nervous system issues.' },
      jp: { what: '安静時の呼吸数(回/分)。', why: '成人正常:12〜20。最も鋭敏なバイタルサインの一つ — 容態悪化で最初に変化することが多い。', high: '不安・発熱・肺疾患・アシドーシス・敗血症。', low: 'オピオイド・睡眠・甲状腺機能低下症・中枢神経系異常。' },
    },
    'SpO2': {
      en: { what: 'Peripheral oxygen saturation — % of hemoglobin carrying oxygen, measured by fingertip pulse oximeter.', why: 'Quick screen for respiratory and cardiac function. Normal: 95-100%.', low: 'Lung disease (COPD, pneumonia, COVID), heart failure, high altitude, sleep apnea, anemia (severe).' },
      jp: { what: 'パルスオキシメータで測定する経皮的酸素飽和度。', why: '呼吸・循環機能の簡易スクリーニング。正常:95〜100%。', low: '肺疾患(COPD・肺炎・COVID)・心不全・高地・睡眠時無呼吸・重度貧血。' },
    },
    // ─── Liver function extras
    'Direct Bilirubin': {
      en: { what: 'Bilirubin that has been processed (conjugated) by the liver and is ready for excretion.', why: 'Helps distinguish causes of jaundice. Direct (conjugated) high = liver/bile-duct problem; indirect (unconjugated) high = pre-hepatic (hemolysis) or Gilbert\'s syndrome.', high: 'Bile-duct obstruction, hepatitis, cirrhosis, drug-induced cholestasis.' },
      jp: { what: '肝臓で抱合処理されて排泄準備が整ったビリルビン。', why: '黄疸の原因鑑別に有用。直接(抱合型)高値 = 肝・胆道系の問題、間接(非抱合型)高値 = 溶血や体質性。', high: '胆道閉塞・肝炎・肝硬変・薬剤性胆汁うっ滞。' },
    },
    'A/G Ratio': {
      en: { what: 'Ratio of albumin to globulin in serum. Normal range typically 1.2-2.2.', why: 'Quick check on protein balance. Low ratio (high globulin or low albumin) can suggest chronic inflammation, liver disease, or multiple myeloma.', low: 'Multiple myeloma, chronic liver disease, autoimmune disease, chronic infection. Worth investigating if persistent.' },
      jp: { what: 'アルブミン/グロブリン比。正常範囲は通常 1.2〜2.2。', why: 'タンパクバランスの簡易チェック。低比(グロブリン高または アルブミン低)は慢性炎症・肝疾患・多発性骨髄腫を示唆。', low: '多発性骨髄腫・慢性肝疾患・自己免疫疾患・慢性感染症。持続する場合は精査が必要。' },
    },
    'Cholinesterase': {
      en: { what: 'Liver-produced enzyme that breaks down acetylcholine.', why: 'Sensitive marker of liver synthetic function (like albumin) and exposure to organophosphate poisoning.', low: 'Liver disease (cirrhosis, hepatitis), malnutrition, organophosphate pesticide exposure, certain genetic variants.' },
      jp: { what: '肝臓で産生されアセチルコリンを分解する酵素。', why: '肝合成能の鋭敏な指標(アルブミンと同様)。有機リン中毒のスクリーニングにも使用。', low: '肝疾患(肝硬変・肝炎)・低栄養・有機リン農薬曝露・遺伝的変異。' },
    },
    'LAP': {
      en: { what: 'LAP (Leucine aminopeptidase) is a liver/bile-duct enzyme.', why: 'Used alongside ALP to distinguish liver/bile origin of elevated ALP from bone origin. Less commonly measured than γ-GTP today.' },
      jp: { what: 'LAP(ロイシンアミノペプチダーゼ)は肝・胆道系の酵素です。', why: 'ALP 上昇の鑑別(肝胆道由来 vs 骨由来)に ALP と併せて評価。現在は γ-GTP のほうが一般的。' },
    },
    'Z.T.T.': {
      en: { what: 'Zinc Sulfate Turbidity Test — an older liver function test measuring γ-globulin levels.', why: 'Largely replaced by direct serum protein electrophoresis. Still reported on Japanese routine physicals for historical comparison.', high: 'Chronic hepatitis, cirrhosis, autoimmune liver disease, multiple myeloma.' },
      jp: { what: '硫酸亜鉛混濁試験 — γ-グロブリンを測定する古典的な肝機能検査です。', why: '現在は血清タンパク分画に置き換わっていますが、日本の健診では履歴比較のため継続報告されています。', high: '慢性肝炎・肝硬変・自己免疫性肝疾患・多発性骨髄腫。' },
    },
    // ─── Electrolytes
    'Chloride': {
      en: { what: 'Chloride is an electrolyte that pairs with sodium for fluid and acid-base balance.', why: 'Usually tracks with sodium. Imbalances suggest acid-base disorders.' },
      jp: { what: '塩化物はナトリウムと共に水分・酸塩基平衡に関与する電解質です。', why: '通常ナトリウムと並行して変動。異常値は酸塩基平衡異常を示唆。' },
    },
    'Magnesium': {
      en: { what: 'Magnesium is essential for nerve, muscle, and heart rhythm function.', why: 'Often overlooked but critical for cardiac rhythm. Standard blood test reflects only ~1% of total body Mg.', low: 'Common with chronic alcohol use, diabetes, diuretic use, chronic diarrhea. Causes muscle cramps, arrhythmias, weakness.' },
      jp: { what: 'マグネシウムは神経・筋肉・心臓のリズムに必須のミネラルです。', why: '見落とされがちですが心リズムに重要。血中値は全身マグネシウムの約 1% のみを反映。', low: '常習飲酒・糖尿病・利尿薬使用・慢性下痢で多い。筋けいれん・不整脈・倦怠感の原因。' },
    },
    'Phosphorus': {
      en: { what: 'Phosphorus works with calcium for bone health and is critical for cellular energy (ATP).', why: 'Tightly regulated. Out-of-range values often reflect kidney function or parathyroid issues.', high: 'Kidney failure, hypoparathyroidism, excess vitamin D, tumor lysis syndrome.', low: 'Vitamin D deficiency, alcoholism, refeeding syndrome, certain antacids.' },
      jp: { what: 'リンはカルシウムと協働して骨健康を保ち、細胞エネルギー(ATP)に必須。', why: '厳密に制御される指標。異常値は腎機能や副甲状腺の問題を示唆することが多い。', high: '腎不全・副甲状腺機能低下症・ビタミン D 過剰・腫瘍崩壊症候群。', low: 'ビタミン D 不足・アルコール症・リフィーディング症候群・一部の制酸薬。' },
    },
    // ─── Iron studies
    'TIBC': {
      en: { what: 'Total Iron-Binding Capacity — measures the total amount of iron that transferrin (the iron transport protein) can carry.', why: 'Inversely tracks iron status. High TIBC = body trying to grab more iron (often iron deficient); low TIBC = ample iron or chronic disease.', high: 'Iron deficiency (body upregulating transferrin to scavenge more iron), pregnancy, oral contraceptives.', low: 'Chronic disease, inflammation, malnutrition, iron overload.' },
      jp: { what: '総鉄結合能 — トランスフェリン(鉄輸送タンパク)が運搬できる鉄の最大量。', why: '鉄状態と逆相関。TIBC 高値 = 体が鉄を求めている(鉄欠乏多い)、低値 = 鉄充足または慢性疾患。', high: '鉄欠乏(トランスフェリン増産で鉄を回収)・妊娠・経口避妊薬。', low: '慢性疾患・炎症・低栄養・鉄過剰症。' },
    },
    'UIBC': {
      en: { what: 'Unsaturated Iron-Binding Capacity = TIBC − serum iron. The "empty" portion of transferrin.', why: 'Practical measure of how much spare iron-carrying capacity exists. Higher UIBC = more empty transferrin = lower iron stores.' },
      jp: { what: '不飽和鉄結合能 = TIBC − 血清鉄。トランスフェリンの「空き」部分。', why: '鉄運搬の予備能を示す実用指標。UIBC 高値 = 空きが多い = 鉄貯蔵が少ない。' },
    },
    // ─── Lipid extras
    'β-Lipoprotein': {
      en: { what: 'β-Lipoprotein is largely composed of LDL plus IDL particles — the "bad" cholesterol fraction.', why: 'An older Japanese assay that captures similar territory to LDL. Often reported alongside LDL on JP physicals.', high: 'Same drivers as high LDL — saturated fat intake, genetics, hypothyroidism.' },
      jp: { what: 'β-リポタンパクは主に LDL + IDL で構成される動脈硬化性粒子です。', why: '古典的な日本の検査で、LDL と類似の領域をカバー。日本の健診では LDL と並列で報告されることが多い。', high: 'LDL 高値と同じ要因 — 飽和脂肪酸摂取・遺伝・甲状腺機能低下症。' },
    },
    'Lipoprotein(a)': {
      en: { what: 'Lp(a) is a genetically determined LDL-like particle that carries an extra apolipoprotein(a) attached.', why: 'Independent cardiovascular risk factor — high Lp(a) increases heart attack and stroke risk regardless of LDL. Largely determined by genetics; diet/lifestyle have little impact.', high: 'Higher cardiovascular risk; consider in patients with premature heart disease or strong family history. Few specific treatments available currently.' },
      jp: { what: 'Lp(a) は遺伝的に決定される LDL 様粒子で、追加のアポリポタンパク(a)が結合しています。', why: 'LDL とは独立した心血管リスク因子 — Lp(a) 高値は LDL に関わらず心筋梗塞・脳卒中リスクを高める。主に遺伝で決まり、食事・運動の影響は小さい。', high: '心血管リスク上昇。若年発症や家族歴の強い患者で考慮。現時点で特異的治療は限定的。' },
    },
    'Apolipoprotein A1': {
      en: { what: 'ApoA1 is the main protein component of HDL particles.', why: 'Better marker of "good cholesterol" capacity than HDL alone — measures the number of protective particles, not just their cholesterol content.', low: 'Cardiovascular risk; tracks with low HDL.' },
      jp: { what: 'ApoA1 は HDL の主要タンパク成分です。', why: 'HDL 単独より「善玉」粒子の数をより正確に評価できる指標。', low: '心血管リスク上昇。HDL 低値と並行。' },
    },
    'Apolipoprotein B': {
      en: { what: 'ApoB is the main protein on LDL, IDL, VLDL, and Lp(a) — one ApoB per atherogenic particle.', why: 'Direct count of atherogenic particles. Many cardiologists consider ApoB superior to LDL-C for cardiovascular risk assessment.', high: 'Strong predictor of heart attack and stroke risk. Optimal: <90 mg/dL; high-risk targets <80.' },
      jp: { what: 'ApoB は LDL・IDL・VLDL・Lp(a) の主要タンパクで、動脈硬化性粒子 1 個あたり 1 つの ApoB が結合しています。', why: '動脈硬化性粒子数の直接的指標。心血管リスク評価において LDL-C より優れているとする心臓専門医も多い。', high: '心筋梗塞・脳卒中リスクの強力な予測因子。理想:<90 mg/dL、高リスク者目標 <80。' },
    },
    // ─── Glycemic extras
    'Random Glucose': {
      en: { what: 'Blood glucose taken at any time, regardless of meals.', why: 'Quick screen — but ambiguous for diagnosis since values shift with recent eating. ≥200 mg/dL with diabetes symptoms is diagnostic.', high: 'Recent meal (especially carbs), diabetes, stress, certain medications.' },
      jp: { what: '食事に関係なく任意の時点で測定した血糖値。', why: '簡易スクリーニング — 食事の影響で診断には曖昧。≥200 mg/dL + 症状で糖尿病診断可。', high: '食後・糖尿病・ストレス・薬剤性。' },
    },
    'Postprandial Glucose': {
      en: { what: 'Blood glucose measured 1-2 hours after eating.', why: 'Captures the post-meal spike that fasting glucose misses. ≥200 mg/dL at 2 hours is diabetic-range; 140-199 prediabetic.', high: 'Diabetes, prediabetes, insulin resistance, certain medications.' },
      jp: { what: '食後 1〜2 時間の血糖値。', why: '空腹時血糖では捉えられない食後血糖上昇を評価。2 時間値 ≥200 で糖尿病範囲、140-199 で境界型。', high: '糖尿病・境界型糖尿病・インスリン抵抗性・薬剤性。' },
    },
    // ─── CBC indices + differentials
    'MCV': {
      en: { what: 'Mean Corpuscular Volume — average size of red blood cells.', why: 'Classifies anemia: low MCV (microcytic) = iron deficiency or thalassemia; high MCV (macrocytic) = B12/folate deficiency or liver disease; normal = chronic disease or hemolysis.', high: 'B12 or folate deficiency, alcohol use, liver disease, hypothyroidism, certain medications.', low: 'Iron deficiency, thalassemia, chronic disease.' },
      jp: { what: '平均赤血球容積 — 赤血球の平均サイズ。', why: '貧血の分類に使用:小球性(低 MCV) = 鉄欠乏・サラセミア、大球性(高 MCV) = B12/葉酸欠乏・肝疾患、正球性 = 慢性疾患・溶血。', high: 'B12/葉酸欠乏・飲酒・肝疾患・甲状腺機能低下症・薬剤性。', low: '鉄欠乏・サラセミア・慢性疾患。' },
    },
    'MCH': {
      en: { what: 'Mean Corpuscular Hemoglobin — average amount of hemoglobin per red blood cell.', why: 'Tracks closely with MCV. Low MCH usually reflects iron deficiency or thalassemia.' },
      jp: { what: '平均赤血球ヘモグロビン量 — 赤血球 1 個あたりの平均ヘモグロビン量。', why: 'MCV と並行して変動。低値は通常、鉄欠乏やサラセミアを反映。' },
    },
    'MCHC': {
      en: { what: 'Mean Corpuscular Hemoglobin Concentration — hemoglobin concentration within each red cell.', why: 'Falls in iron deficiency (red cells become pale — hypochromic). High MCHC is unusual and often a lab artifact or hereditary spherocytosis.' },
      jp: { what: '平均赤血球ヘモグロビン濃度 — 赤血球内のヘモグロビン濃度。', why: '鉄欠乏で低下(低色素性)。高値は稀で、検査エラーや遺伝性球状赤血球症が原因のことが多い。' },
    },
    'RDW': {
      en: { what: 'Red Cell Distribution Width — measures variability in red blood cell size.', why: 'Helpful for distinguishing types of anemia. High RDW + low MCV = iron deficiency; normal RDW + low MCV = thalassemia.', high: 'Mixed deficiencies (iron + B12), early iron deficiency, hemolysis, recovery from anemia.' },
      jp: { what: '赤血球分布幅 — 赤血球サイズのばらつき。', why: '貧血のタイプ分類に有用。高 RDW + 低 MCV = 鉄欠乏、正常 RDW + 低 MCV = サラセミア。', high: '複合欠乏(鉄 + B12)・初期の鉄欠乏・溶血・貧血からの回復期。' },
    },
    'MPV': {
      en: { what: 'Mean Platelet Volume — average size of platelets.', why: 'High MPV with low platelet count usually means active production (good — bone marrow is responding). Low MPV with low count is more concerning.', high: 'Active platelet turnover (ITP, post-bleed recovery), inflammation.', low: 'Bone marrow suppression, certain genetic conditions.' },
      jp: { what: '平均血小板容積 — 血小板の平均サイズ。', why: '高 MPV + 低血小板数は通常、骨髄が活発に新しい血小板を作っていることを示す(良い兆候)。低 MPV + 低血小板はより懸念される。', high: '血小板活発な代謝(ITP・出血後の回復)・炎症。', low: '骨髄抑制・遺伝性疾患。' },
    },
    'Reticulocytes': {
      en: { what: 'Reticulocytes are young red blood cells just released from bone marrow.', why: 'Measures bone marrow response. High retics with anemia = marrow working (blood loss, hemolysis); low retics with anemia = marrow failing (iron deficiency, aplastic anemia, B12 issues).', high: 'Active red cell production response (blood loss, hemolysis, treated iron deficiency).', low: 'Bone marrow suppression, iron/B12/folate deficiency.' },
      jp: { what: '網赤血球は骨髄から放出されたばかりの若い赤血球です。', why: '骨髄の反応性を測る指標。貧血+高網赤血球 = 骨髄が応答中(出血・溶血)、貧血+低網赤血球 = 骨髄機能不全(鉄欠乏・再生不良性貧血)。', high: '活発な赤血球産生(出血・溶血・鉄欠乏治療後)。', low: '骨髄抑制・鉄/B12/葉酸欠乏。' },
    },
    'Neutrophils': {
      en: { what: 'The most abundant white blood cells — first responders to bacterial infection.', why: 'Normal: 40-70% of WBC. Sharp increase often signals bacterial infection.', high: 'Bacterial infection, acute inflammation, steroid use, stress, smoking.', low: 'Viral infection, severe sepsis, chemotherapy, autoimmune destruction. <500 = severe infection risk.' },
      jp: { what: '最も多い白血球で、細菌感染の最初の防御細胞です。', why: '正常:WBC の 40-70%。急増は細菌感染を示唆。', high: '細菌感染・急性炎症・ステロイド使用・ストレス・喫煙。', low: 'ウイルス感染・重症敗血症・化学療法・自己免疫性破壊。<500 で重症感染リスク。' },
    },
    'Lymphocytes': {
      en: { what: 'Lymphocytes (T-cells, B-cells, NK cells) mediate immune memory and viral defense.', why: 'Normal: 20-40% of WBC. Patterns help distinguish viral vs bacterial infections.', high: 'Viral infection (mononucleosis, COVID, etc.), chronic lymphocytic leukemia.', low: 'HIV/AIDS, immunosuppression, severe acute infection, advanced age, certain medications.' },
      jp: { what: 'リンパ球(T 細胞・B 細胞・NK 細胞)は免疫記憶とウイルス防御を担います。', why: '正常:WBC の 20-40%。ウイルス感染と細菌感染の鑑別に有用。', high: 'ウイルス感染(伝染性単核症・COVID 等)・慢性リンパ性白血病。', low: 'HIV/AIDS・免疫抑制・重症急性感染・高齢者・薬剤性。' },
    },
    'Monocytes': {
      en: { what: 'Monocytes mature into macrophages — the cleanup crew of the immune system.', why: 'Normal: 2-10% of WBC. Elevations often indicate chronic infection or inflammation.', high: 'Chronic infection (TB, brucellosis), autoimmune disease, certain cancers, recovery from acute infection.' },
      jp: { what: '単球は組織内でマクロファージに分化する免疫細胞です。', why: '正常:WBC の 2-10%。上昇は慢性感染や炎症を示唆することが多い。', high: '慢性感染(結核・ブルセラ症)・自己免疫疾患・特定のがん・急性感染からの回復期。' },
    },
    'Eosinophils': {
      en: { what: 'Eosinophils fight parasites and mediate allergic responses.', why: 'Normal: 1-4% of WBC. Elevations often indicate allergy or parasitic infection.', high: 'Allergies (asthma, eczema, food/drug), parasitic infections, certain autoimmune and rare blood disorders.' },
      jp: { what: '好酸球は寄生虫を攻撃しアレルギー反応を媒介します。', why: '正常:WBC の 1-4%。上昇はアレルギーや寄生虫感染を示唆。', high: 'アレルギー(喘息・湿疹・食物/薬剤)・寄生虫感染・自己免疫疾患・稀な血液疾患。' },
    },
    'Basophils': {
      en: { what: 'Basophils are the least common white cells, involved in allergic reactions and inflammation.', why: 'Normal: 0-2% of WBC. Often clinically insignificant in routine screening.', high: 'Allergic reactions, chronic myeloid leukemia (rare cause but important).' },
      jp: { what: '好塩基球は最も少ない白血球で、アレルギー反応と炎症に関与します。', why: '正常:WBC の 0-2%。通常の健診では臨床的意義は限定的。', high: 'アレルギー反応・慢性骨髄性白血病(稀だが重要)。' },
    },
    // ─── Thyroid extras
    'Free T3': {
      en: { what: 'Free T3 is the unbound active form of triiodothyronine — the most metabolically active thyroid hormone.', why: 'Provides additional detail when TSH and Free T4 don\'t tell the full story (e.g., T3 thyrotoxicosis, sick euthyroid syndrome).', high: 'Hyperthyroidism (especially Graves\' disease or toxic nodule).', low: 'Hypothyroidism, severe illness ("low T3 syndrome" — non-thyroidal illness).' },
      jp: { what: 'Free T3 はトリヨードサイロニンの遊離(活性)型で、最も代謝活性の高い甲状腺ホルモンです。', why: 'TSH と Free T4 だけでは判断できない場合(T3 中毒症・非甲状腺疾患症候群)に詳細を提供。', high: '甲状腺機能亢進症(バセドウ病・中毒性結節)。', low: '甲状腺機能低下症・重症疾患(低 T3 症候群)。' },
    },
    'Total T4': {
      en: { what: 'Total T4 measures both protein-bound and free thyroxine.', why: 'Older test, less specific than Free T4 because pregnancy and oral estrogens raise binding proteins independently of true thyroid status.' },
      jp: { what: 'Total T4 はタンパク結合型と遊離型の両方を含む総サイロキシン量。', why: '古典的検査。Free T4 より特異性が低く、妊娠や経口エストロゲンで結合タンパクが増えると見かけ上変動。' },
    },
    'Total T3': {
      en: { what: 'Total T3 measures both protein-bound and free triiodothyronine.', why: 'Similar limitations to Total T4 — Free T3 is preferred for most clinical questions.' },
      jp: { what: 'Total T3 はタンパク結合型と遊離型の両方を含む総トリヨードサイロニン量。', why: 'Total T4 と同様の制限あり。臨床判断には Free T3 が優先されます。' },
    },
    // ─── Cardiac extras
    'NT-proBNP': {
      en: { what: 'NT-proBNP is released by stressed heart muscle, especially under volume/pressure overload.', why: 'Primary biomarker for heart failure. Useful for diagnosis and tracking response to treatment.', high: 'Heart failure (acute or chronic), atrial fibrillation, pulmonary embolism, kidney disease (mildly).' },
      jp: { what: 'NT-proBNP は容量・圧負荷を受けた心筋から放出されます。', why: '心不全診断の主要バイオマーカー。診断と治療反応の評価に有用。', high: '心不全(急性・慢性)・心房細動・肺塞栓症・腎疾患(軽度上昇)。' },
    },
    'BNP': {
      en: { what: 'BNP (B-type natriuretic peptide) is released by stressed heart muscle.', why: 'Similar role to NT-proBNP for heart failure diagnosis but with a much shorter half-life.', high: 'Heart failure, atrial fibrillation, pulmonary disease with cardiac involvement.' },
      jp: { what: 'BNP(脳性ナトリウム利尿ペプチド)は心筋ストレス時に放出されます。', why: '心不全診断における役割は NT-proBNP と同様だが、半減期がはるかに短い。', high: '心不全・心房細動・心臓に影響する肺疾患。' },
    },
    'Troponin I': {
      en: { what: 'Troponin I is a heart-muscle-specific protein released when heart cells die.', why: 'Gold standard biomarker for diagnosing heart attack. Highly specific to cardiac muscle.', high: 'Heart attack (rises within hours of symptoms, peaks at 12-24h). Smaller elevations: heart failure, myocarditis, severe sepsis, kidney failure.' },
      jp: { what: 'トロポニン I は心筋細胞が壊死した時に放出される心筋特異的タンパクです。', why: '心筋梗塞診断のゴールドスタンダード。心筋に高い特異性。', high: '心筋梗塞(症状発現後数時間で上昇、12-24 時間でピーク)。軽度上昇:心不全・心筋炎・重症敗血症・腎不全。' },
    },
    'Troponin T': {
      en: { what: 'Troponin T is another heart-muscle-specific protein. Used interchangeably with Troponin I depending on lab.', why: 'Same clinical role as Troponin I — diagnosis of heart muscle damage.', high: 'Heart attack, myocarditis, heart failure exacerbation.' },
      jp: { what: 'トロポニン T も心筋特異的タンパクで、検査機関により I と互換的に使用されます。', why: 'トロポニン I と同じ臨床的役割 — 心筋障害の診断。', high: '心筋梗塞・心筋炎・心不全増悪。' },
    },
    // ─── EKG
    'PR Interval': {
      en: { what: 'Time from atrial contraction to ventricular contraction on the EKG.', why: 'Normal: 0.12-0.20 seconds. Prolonged PR suggests AV node conduction delay; very short suggests pre-excitation (WPW).', high: 'First-degree AV block, beta-blockers, calcium channel blockers, athletes (often benign).' },
      jp: { what: 'EKG における心房収縮から心室収縮までの時間。', why: '正常:0.12〜0.20 秒。延長は房室結節の伝導遅延、短縮は早期興奮(WPW 症候群)を示唆。', high: '1 度房室ブロック・β 遮断薬・カルシウム拮抗薬・アスリート(通常良性)。' },
    },
    'QRS Duration': {
      en: { what: 'Time for ventricles to depolarize (contract) on the EKG.', why: 'Normal: <0.12 seconds. Wide QRS suggests bundle branch block, ventricular origin of beats, or hyperkalemia.', high: 'Bundle branch block (left or right), ventricular tachycardia, hyperkalemia, certain medications.' },
      jp: { what: 'EKG における心室脱分極(収縮)に要する時間。', why: '正常:<0.12 秒。延長は脚ブロック・心室性興奮・高カリウム血症を示唆。', high: '脚ブロック(左脚・右脚)・心室頻拍・高カリウム血症・薬剤性。' },
    },
    'QTc': {
      en: { what: 'QT interval corrected for heart rate — measures ventricular repolarization time.', why: 'Long QT increases risk of dangerous ventricular arrhythmias (torsades de pointes). Normal: <440 ms men, <460 ms women.', high: 'Long QT syndrome (genetic), many medications (antipsychotics, antibiotics, antidepressants), electrolyte imbalances (low K, Mg, Ca).' },
      jp: { what: '心拍数で補正した QT 間隔 — 心室再分極時間を測定。', why: 'QT 延長は致死的な心室性不整脈(トルサード)のリスク。正常:男性 <440 ms、女性 <460 ms。', high: 'QT 延長症候群(遺伝性)・多くの薬剤(抗精神病薬・抗生物質・抗うつ薬)・電解質異常(低 K/Mg/Ca)。' },
    },
    'C-T Ratio': {
      en: { what: 'Cardiothoracic ratio — heart width divided by chest width on chest X-ray.', why: 'Crude measure of heart enlargement. Normal: <50%. Sensitive but not specific.', high: 'Cardiomegaly: heart failure, valve disease, pericardial effusion, dilated cardiomyopathy.' },
      jp: { what: '心胸郭比 — 胸部 X 線における心臓幅 ÷ 胸郭幅。', why: '心拡大の簡易指標。正常:<50%。鋭敏だが特異性は低い。', high: '心拡大:心不全・弁膜症・心嚢液貯留・拡張型心筋症。' },
    },
    // ─── Spirometry
    'FVC': {
      en: { what: 'Forced Vital Capacity — total air you can forcefully exhale after maximum inhale.', why: 'Primary measure of lung volume. Low FVC = restrictive lung disease (fibrosis, neuromuscular).', low: 'Restrictive lung disease (pulmonary fibrosis, chest wall disease, neuromuscular weakness).' },
      jp: { what: '努力性肺活量 — 最大吸気後に勢いよく呼出できる空気量の総量。', why: '肺容量の主要指標。低値 = 拘束性肺障害(肺線維症・神経筋疾患)。', low: '拘束性肺障害(肺線維症・胸壁疾患・神経筋衰弱)。' },
    },
    'FEV1': {
      en: { what: 'Forced Expiratory Volume in 1 second — air exhaled in the first second of a forced exhale.', why: 'Primary measure of airflow obstruction. Low FEV1 with low FEV1/FVC ratio = obstructive disease (asthma, COPD).', low: 'Asthma, COPD, emphysema, bronchitis. Severity of COPD graded by FEV1: ≥80% normal/mild, 50-79% moderate, 30-49% severe, <30% very severe.' },
      jp: { what: '1 秒量 — 努力呼出の最初の 1 秒間に呼出できる空気量。', why: '気流閉塞の主要指標。低 FEV1 + 低 FEV1/FVC = 閉塞性疾患(喘息・COPD)。', low: '喘息・COPD・肺気腫・気管支炎。COPD 重症度:≥80% 正常/軽度、50-79% 中等度、30-49% 重度、<30% 最重度。' },
    },
    'FEV1/FVC': {
      en: { what: 'Ratio of FEV1 to FVC — what fraction of total lung capacity comes out in the first second.', why: 'Distinguishes obstructive (low ratio) from restrictive (preserved ratio) lung disease. Normal: ≥70%.', low: 'Obstructive lung disease (asthma, COPD, emphysema).' },
      jp: { what: 'FEV1 / FVC 比 — 全肺活量のうち最初の 1 秒で呼出される割合。', why: '閉塞性(低比)と拘束性(比は保持)肺疾患の鑑別。正常:≥70%。', low: '閉塞性肺疾患(喘息・COPD・肺気腫)。' },
    },
    '%FVC': {
      en: { what: 'FVC as a percentage of predicted FVC for someone of your age, sex, and height.', why: 'Normal: ≥80%. Lower values indicate restrictive lung disease.' },
      jp: { what: '同性同年齢同身長の予測値に対する FVC の割合(%)。', why: '正常:≥80%。低値は拘束性肺障害を示唆。' },
    },
    '%FEV1': {
      en: { what: 'FEV1 as a percentage of predicted FEV1 for someone of your age, sex, and height.', why: 'Used for COPD severity grading. Normal: ≥80%.' },
      jp: { what: '同性同年齢同身長の予測値に対する FEV1 の割合(%)。', why: 'COPD 重症度判定に使用。正常:≥80%。' },
    },
    // ─── Inflammation
    'hs-CRP': {
      en: { what: 'High-sensitivity CRP — same protein as standard CRP, measured with greater precision at low levels.', why: 'Used for cardiovascular risk assessment rather than acute inflammation. Low-grade chronic inflammation (hs-CRP 1-3 mg/L) is linked to heart disease risk.', high: '<1 low, 1-3 moderate, >3 high cardiovascular risk. Acute infection can transiently elevate >10.' },
      jp: { what: '高感度 CRP — 標準 CRP と同じタンパクを低濃度域で高精度に測定。', why: '急性炎症ではなく心血管リスク評価に使用。慢性低度炎症(hs-CRP 1-3 mg/L)は心疾患リスクと関連。', high: '<1 低、1-3 中等度、>3 高心血管リスク。急性感染で >10 まで一時的上昇。' },
    },
    'ESR': {
      en: { what: 'Erythrocyte Sedimentation Rate — how fast red cells settle in a tube.', why: 'Non-specific inflammation marker. Slower to rise/fall than CRP. Useful for monitoring chronic inflammatory diseases.', high: 'Chronic inflammation (rheumatoid arthritis, lupus, polymyalgia rheumatica), infection, certain cancers, anemia, advanced age.' },
      jp: { what: '赤血球沈降速度 — 試験管内で赤血球が沈む速度。', why: '非特異的炎症マーカー。CRP より変動がゆっくり。慢性炎症性疾患のモニタリングに有用。', high: '慢性炎症(リウマチ・SLE・リウマチ性多発筋痛症)・感染・特定のがん・貧血・高齢。' },
    },
    // ─── Vitamins
    'Folate': {
      en: { what: 'Folate (vitamin B9) is essential for DNA synthesis and red blood cell formation.', why: 'Deficiency causes macrocytic anemia (same as B12). Critical pre-conception and in early pregnancy to prevent neural tube defects.', low: 'Poor diet (low leafy greens), alcoholism, malabsorption, pregnancy (increased need), methotrexate.' },
      jp: { what: '葉酸(ビタミン B9)は DNA 合成と赤血球形成に必須です。', why: '欠乏は B12 と同様の大球性貧血を起こす。妊娠前・初期は神経管欠損予防に重要。', low: '食生活(緑黄色野菜不足)・アルコール症・吸収不良・妊娠(需要増)・メトトレキサート。' },
    },
    // ─── Coagulation
    'PT': {
      en: { what: 'Prothrombin Time — measures clotting via the extrinsic pathway (factors VII, X, V, II, fibrinogen).', why: 'Sensitive to warfarin effect and liver synthetic dysfunction. Usually reported with INR.', high: 'Warfarin effect, liver disease, vitamin K deficiency, DIC (disseminated intravascular coagulation).' },
      jp: { what: 'プロトロンビン時間 — 外因系凝固経路(第 VII・X・V・II 因子・フィブリノーゲン)を介した凝固を測定。', why: 'ワーファリンの効果と肝合成能の評価に鋭敏。通常 INR とともに報告。', high: 'ワーファリン服用・肝疾患・ビタミン K 欠乏・DIC(播種性血管内凝固)。' },
    },
    'INR': {
      en: { what: 'International Normalized Ratio — standardized PT to allow comparison across labs.', why: 'Primary monitoring tool for warfarin. Therapeutic range typically 2-3 (some indications 2.5-3.5). >5 has bleeding risk.', high: 'Warfarin dose too high, drug interactions, liver disease, vitamin K deficiency.' },
      jp: { what: '国際標準化比 — 検査機関を超えて比較可能な標準化された PT。', why: 'ワーファリン治療のモニタリングに使用。治療域は通常 2〜3(一部適応は 2.5〜3.5)。>5 で出血リスク。', high: 'ワーファリン過量・薬剤相互作用・肝疾患・ビタミン K 欠乏。' },
    },
    'aPTT': {
      en: { what: 'Activated Partial Thromboplastin Time — measures the intrinsic clotting pathway.', why: 'Used to monitor heparin therapy and screen for hemophilia/von Willebrand disease.', high: 'Heparin effect, hemophilia, von Willebrand disease, antiphospholipid syndrome, severe liver disease.' },
      jp: { what: '活性化部分トロンボプラスチン時間 — 内因系凝固経路の評価。', why: 'ヘパリン療法のモニタリングと血友病・フォンウィルブランド病のスクリーニング。', high: 'ヘパリン使用・血友病・フォンウィルブランド病・抗リン脂質抗体症候群・重度肝疾患。' },
    },
    'D-dimer': {
      en: { what: 'D-dimer is a breakdown product of cross-linked fibrin (blood clots).', why: 'Rules OUT clots when negative (high negative predictive value); a positive result is non-specific and needs follow-up imaging.', high: 'Pulmonary embolism, deep vein thrombosis, DIC, recent surgery, infection, pregnancy, advanced age.' },
      jp: { what: 'D ダイマーは架橋フィブリン(血栓)の分解産物です。', why: '陰性で血栓を除外する(陰性的中率高い)。陽性は非特異的なので画像検査での確認が必要。', high: '肺塞栓症・深部静脈血栓症・DIC・術後・感染・妊娠・高齢。' },
    },
    'Fibrinogen': {
      en: { what: 'Fibrinogen is the clotting protein that converts to fibrin during clot formation.', why: 'Required for normal clotting. Also an acute-phase reactant — rises with inflammation.', high: 'Acute inflammation, infection, smoking, certain cancers, cardiovascular risk.', low: 'DIC (consumption), severe liver disease, congenital deficiency.' },
      jp: { what: 'フィブリノーゲンは凝固時にフィブリンに変換される凝固タンパクです。', why: '正常な凝固に必須。急性期反応物でもあり炎症で上昇。', high: '急性炎症・感染・喫煙・特定のがん・心血管リスク。', low: 'DIC(消費性低下)・重度肝疾患・先天性欠損。' },
    },
    // ─── Tumor markers
    'AFP': {
      en: { what: 'AFP (alpha-fetoprotein) is a fetal protein normally absent in adults.', why: 'Screens for liver cancer (hepatocellular carcinoma) and germ cell tumors. Not specific — also elevated in pregnancy and chronic liver disease.', high: 'Liver cancer, testicular/ovarian germ cell tumors, pregnancy (physiological), chronic active hepatitis.' },
      jp: { what: 'AFP(アルファフェトプロテイン)は胎児期のタンパクで、通常成人にはほぼ存在しません。', why: '肝細胞がんと胚細胞腫瘍のスクリーニング。非特異的 — 妊娠や慢性肝疾患でも上昇。', high: '肝細胞がん・精巣/卵巣胚細胞腫瘍・妊娠(生理的)・慢性活動性肝炎。' },
    },
    'CEA': {
      en: { what: 'CEA (Carcinoembryonic Antigen) is a fetal protein expressed in some adult cancers.', why: 'Most useful for tracking colorectal cancer treatment response — less effective as a screening tool.', high: 'Colorectal cancer (esp. metastatic), other cancers (lung, breast, pancreas), smokers (mildly elevated baseline), inflammatory bowel disease.' },
      jp: { what: 'CEA(癌胎児性抗原)は胎児期のタンパクで、一部の成人がんで発現します。', why: '大腸がん治療反応のモニタリングに最も有用。スクリーニング検査としては限定的。', high: '大腸がん(特に転移)・その他のがん(肺・乳・膵)・喫煙者(ベース軽度上昇)・炎症性腸疾患。' },
    },
    'CA 19-9': {
      en: { what: 'CA 19-9 is a glycoprotein associated with pancreatic and bile-duct cancers.', why: 'Primarily used to monitor pancreatic cancer treatment. About 5-10% of people genetically can\'t produce it (false negative).', high: 'Pancreatic cancer, biliary obstruction, cholangiocarcinoma, also pancreatitis and benign biliary disease.' },
      jp: { what: 'CA 19-9 は膵がん・胆道がんに関連する糖タンパクです。', why: '主に膵がん治療のモニタリング。5-10% の人は遺伝的に産生できない(偽陰性)。', high: '膵がん・胆道閉塞・胆管がん。膵炎や良性胆道疾患でも上昇。' },
    },
    'CA 125': {
      en: { what: 'CA 125 is a glycoprotein elevated in ovarian and some other cancers.', why: 'Primarily used for ovarian cancer monitoring. Not a reliable screening test — many benign conditions cause elevations.', high: 'Ovarian cancer, endometriosis, fibroids, pelvic inflammatory disease, pregnancy, menstruation.' },
      jp: { what: 'CA 125 は卵巣がんなどで上昇する糖タンパクです。', why: '主に卵巣がんのモニタリングに使用。スクリーニングには不向き — 良性疾患でも上昇するため。', high: '卵巣がん・子宮内膜症・子宮筋腫・骨盤内炎症性疾患・妊娠・月経。' },
    },
    'CA 15-3': {
      en: { what: 'CA 15-3 is a marker associated with breast cancer.', why: 'Used to monitor metastatic breast cancer treatment. Not for screening.', high: 'Breast cancer (especially advanced), benign breast disease, liver disease, some other cancers.' },
      jp: { what: 'CA 15-3 は乳がん関連マーカーです。', why: '転移性乳がん治療のモニタリングに使用。スクリーニング目的では用いません。', high: '乳がん(特に進行例)・良性乳腺疾患・肝疾患・他のがん。' },
    },
    'PIVKA-II': {
      en: { what: 'PIVKA-II (Protein Induced by Vitamin K Absence-II / DCP) is a marker for hepatocellular carcinoma.', why: 'Often used together with AFP for liver cancer screening in patients with chronic hepatitis. More specific than AFP for HCC.', high: 'Hepatocellular carcinoma, vitamin K deficiency, warfarin use, severe liver disease.' },
      jp: { what: 'PIVKA-II(DCP — ビタミン K 欠乏誘導タンパク II)は肝細胞がんのマーカーです。', why: '慢性肝炎患者の肝がんスクリーニングで AFP と併用。AFP より HCC 特異性が高い。', high: '肝細胞がん・ビタミン K 欠乏・ワーファリン服用・重度肝疾患。' },
    },
    // ─── Autoimmune
    'Rheumatoid Factor': {
      en: { what: 'RF is an autoantibody that targets normal antibodies. Found in rheumatoid arthritis and other autoimmune diseases.', why: 'Helps diagnose rheumatoid arthritis but is not specific — 20% of healthy elderly people have mild elevations.', high: 'Rheumatoid arthritis (70-80% positive), Sjögren\'s syndrome, lupus, chronic infection, advanced age (often benign).' },
      jp: { what: 'RF は正常抗体を攻撃する自己抗体で、リウマチや他の自己免疫疾患で陽性となります。', why: 'リウマチ診断の補助。ただし非特異的 — 健常高齢者の 20% が軽度陽性。', high: 'リウマチ(70-80% 陽性)・シェーグレン症候群・SLE・慢性感染・高齢(良性のことが多い)。' },
    },
    // ─── Urinalysis
    'Urine pH': {
      en: { what: 'Acidity of the urine. Normal: 5.0-7.5.', why: 'Reflects diet and acid-base status. Diet-driven — vegetarian diets push toward alkaline, high-protein toward acidic.', high: 'Vegetarian diet, UTI with urea-splitting bacteria, certain medications, kidney stone risk (alkaline → calcium phosphate stones).', low: 'High-protein diet, dehydration, diabetic ketoacidosis, kidney stone risk (acidic → uric acid stones).' },
      jp: { what: '尿の酸性度。正常:5.0〜7.5。', why: '食事と酸塩基状態を反映。菜食でアルカリ性に、高タンパク食で酸性に傾く。', high: '菜食・尿素分解菌による尿路感染・薬剤性・腎結石リスク(アルカリ性 → リン酸カルシウム結石)。', low: '高タンパク食・脱水・糖尿病性ケトアシドーシス・腎結石リスク(酸性 → 尿酸結石)。' },
    },
    'Urine Specific Gravity': {
      en: { what: 'Urine concentration — how much dissolved substance per volume.', why: 'Reflects hydration and kidney concentrating ability. Normal range: 1.005-1.030.', high: 'Dehydration, glucose in urine (diabetes), proteinuria, SIADH.', low: 'Overhydration, diabetes insipidus, severe kidney damage (loss of concentrating ability).' },
      jp: { what: '尿の濃度 — 単位容積あたりの溶質量。', why: '水分状態と腎の濃縮能を反映。正常範囲:1.005〜1.030。', high: '脱水・尿糖(糖尿病)・タンパク尿・SIADH。', low: '過剰水分摂取・尿崩症・重度の腎障害(濃縮能喪失)。' },
    },
    'Urine Protein': {
      en: { what: 'Protein in urine (should normally be near-zero).', why: 'Kidney damage screening — even small amounts (microalbuminuria) indicate early kidney damage in diabetes and hypertension.', high: 'Kidney disease (diabetic nephropathy, glomerulonephritis), UTI, fever, exercise, dehydration, orthostatic proteinuria (benign in young people).' },
      jp: { what: '尿中タンパク(通常はほぼゼロのはず)。', why: '腎障害のスクリーニング — 微量(微量アルブミン尿)でも糖尿病・高血圧の早期腎障害を示唆。', high: '腎疾患(糖尿病性腎症・糸球体腎炎)・尿路感染・発熱・運動後・脱水・起立性タンパク尿(若年者で良性)。' },
    },
    'Urine Glucose': {
      en: { what: 'Sugar in urine (should normally be absent).', why: 'Glucose appears in urine when blood glucose exceeds the kidney threshold (~180 mg/dL). Less sensitive than blood glucose for diabetes screening.', high: 'Uncontrolled diabetes, renal glycosuria (lower kidney threshold — benign), pregnancy.' },
      jp: { what: '尿中ブドウ糖(通常は陰性)。', why: '血糖が腎閾値(約 180 mg/dL)を超えると尿に出現。糖尿病スクリーニングとしては血糖より鋭敏性が低い。', high: 'コントロール不良な糖尿病・腎性糖尿(腎閾値が低い — 良性)・妊娠。' },
    },
    'Urine Ketones': {
      en: { what: 'Ketones are byproducts of fat breakdown when glucose isn\'t available for energy.', why: 'Normally absent. Appears when the body switches to fat-burning mode.', high: 'Fasting, low-carb/ketogenic diet, diabetic ketoacidosis (DANGEROUS — needs immediate care if accompanied by high blood sugar), prolonged vomiting, severe illness.' },
      jp: { what: 'ケトン体はブドウ糖が利用できない時の脂肪分解産物です。', why: '通常は陰性。体が脂肪燃焼モードに切り替わると検出されます。', high: '空腹・低糖質/ケトン食・糖尿病性ケトアシドーシス(危険 — 高血糖を伴う場合は緊急受診)・嘔吐持続・重症疾患。' },
    },
    'Urine Bilirubin': {
      en: { what: 'Bilirubin in urine (normally absent).', why: 'Indicates liver disease or bile-duct obstruction. Often the first sign of jaundice (appears before yellow skin/eyes).', high: 'Hepatitis, cirrhosis, bile-duct obstruction.' },
      jp: { what: '尿中ビリルビン(通常は陰性)。', why: '肝疾患や胆道閉塞を示唆。黄疸の最初の兆候として、皮膚や眼球の黄染より早く検出されることが多い。', high: '肝炎・肝硬変・胆道閉塞。' },
    },
    'Urine Nitrites': {
      en: { what: 'Nitrites in urine indicate bacteria that convert nitrate to nitrite — a quick UTI screen.', why: 'Positive nitrites strongly suggests bacterial UTI. False negatives common if urine sat in bladder briefly.', high: 'Bacterial urinary tract infection.' },
      jp: { what: '尿中亜硝酸塩は硝酸塩を亜硝酸塩に変換する細菌の存在を示す尿路感染スクリーニング。', why: '陽性は細菌性尿路感染を強く示唆。膀胱内貯留時間が短いと偽陰性も多い。', high: '細菌性尿路感染症。' },
    },
    'Urobilinogen': {
      en: { what: 'Breakdown product of bilirubin metabolized by gut bacteria, partially reabsorbed and excreted in urine.', why: 'Small amounts are normal. Increases suggest excessive bilirubin production (hemolysis) or liver disease.', high: 'Hemolytic anemia, hepatitis, cirrhosis.' },
      jp: { what: 'ビリルビンが腸内細菌により代謝された産物で、一部が再吸収されて尿に排出されます。', why: '少量は正常。増加は過剰なビリルビン産生(溶血)や肝疾患を示唆。', high: '溶血性貧血・肝炎・肝硬変。' },
    },
    'RBC (Urine)': {
      en: { what: 'Red blood cells in urine.', why: 'Should be minimal (0-3 per high-power field). Higher amounts indicate bleeding somewhere in the urinary tract.', high: 'UTI, kidney stones, kidney disease (glomerulonephritis), bladder/kidney cancer, trauma, vigorous exercise, menstrual contamination.' },
      jp: { what: '尿中赤血球。', why: '通常は最小限(高倍率視野あたり 0-3 個)。多量は尿路のどこかの出血を示唆。', high: '尿路感染・腎結石・腎疾患(糸球体腎炎)・膀胱/腎がん・外傷・激しい運動・月経混入。' },
    },
    'WBC (Urine)': {
      en: { what: 'White blood cells in urine.', why: 'Should be minimal. Elevated WBCs indicate urinary tract inflammation, most commonly infection.', high: 'UTI (most common), pyelonephritis, interstitial nephritis, kidney stones.' },
      jp: { what: '尿中白血球。', why: '通常は最小限。増加は尿路の炎症 — 最多は感染。', high: '尿路感染症(最多)・腎盂腎炎・間質性腎炎・腎結石。' },
    },
    'Epithelial cells (Urine)': {
      en: { what: 'Cells from the lining of the urinary tract.', why: 'Squamous epithelial cells often indicate skin contamination from collection (not clinically significant). Renal tubular cells in larger numbers suggest kidney damage.', high: 'Specimen contamination (most common), urinary tract inflammation, renal tubular injury.' },
      jp: { what: '尿路上皮の剥離細胞。', why: '扁平上皮細胞は通常、採尿時の皮膚由来混入を示し臨床的意義は低い。腎尿細管細胞の大量出現は腎障害を示唆。', high: '検体汚染(最多)・尿路の炎症・腎尿細管障害。' },
    },
    // ─── Infectious disease
    'HBs Antigen (qual)': {
      en: { what: 'Hepatitis B Surface Antigen, qualitative — positive/negative result.', why: 'Detects active hepatitis B infection. Positive = currently infected (acute or chronic).', high: 'Active hepatitis B infection. Needs follow-up testing to distinguish acute vs. chronic and assess viral load.' },
      jp: { what: 'B 型肝炎ウイルス表面抗原(定性) — 陽性・陰性判定。', why: '活動性 B 型肝炎感染を検出。陽性 = 現在感染中(急性または慢性)。', high: '活動性 B 型肝炎感染。急性/慢性の鑑別とウイルス量評価のため追加検査が必要。' },
    },
    'HBs Antigen (quant)': {
      en: { what: 'Hepatitis B Surface Antigen, quantitative — measured concentration.', why: 'Used to monitor treatment response in chronic hepatitis B. Lower levels generally indicate better disease control.', high: 'Active hepatitis B infection with viral replication.' },
      jp: { what: 'B 型肝炎ウイルス表面抗原(定量) — 濃度測定値。', why: '慢性 B 型肝炎の治療反応モニタリングに使用。低値ほど病勢が抑えられていることを示唆。', high: 'ウイルス複製を伴う活動性 B 型肝炎感染。' },
    },
    'HCV Antibody (qual)': {
      en: { what: 'Hepatitis C antibody, qualitative — positive/negative result.', why: 'Detects past or present hepatitis C exposure. Positive antibody does NOT necessarily mean active infection — needs HCV RNA to confirm.', high: 'Past or current hepatitis C exposure. Need HCV RNA testing to determine if infection is active. Active HCV is now curable with antiviral therapy.' },
      jp: { what: 'C 型肝炎抗体(定性) — 陽性・陰性判定。', why: '過去または現在の C 型肝炎曝露を検出。抗体陽性 = 活動性感染とは限らない — HCV RNA 検査で確認が必要。', high: '過去または現在の C 型肝炎曝露。HCV RNA 検査で活動性感染の有無を判定。現在の活動性 HCV は抗ウイルス療法で治癒可能。' },
    },
    'HCV Antibody (index)': {
      en: { what: 'HCV antibody index value — semiquantitative measure of antibody level.', why: 'Higher index values generally correlate with true positive results. Low-index positives may need confirmatory testing.' },
      jp: { what: 'C 型肝炎抗体インデックス値 — 抗体レベルの半定量指標。', why: '高インデックス値は真の陽性をより示唆。低値陽性は確認検査が必要なことも。' },
    },
    'HCV Antibody (unit)': {
      en: { what: 'HCV antibody titer in defined units.', why: 'Alternative quantitative measure of HCV antibody response.' },
      jp: { what: '定義された単位での HCV 抗体価。', why: 'HCV 抗体反応の代替的な定量指標。' },
    },
    'RPR (Syphilis screen)': {
      en: { what: 'Rapid Plasma Reagin — screening test for syphilis.', why: 'Detects antibodies produced in response to syphilis infection. Confirmed positives require treponemal-specific testing.', high: 'Syphilis (any stage), also false positives from autoimmune disease, pregnancy, certain infections.' },
      jp: { what: 'RPR 法 — 梅毒スクリーニング検査。', why: '梅毒感染に対する抗体を検出。陽性確定にはトレポネーマ特異検査が必要。', high: '梅毒(全病期)。自己免疫疾患・妊娠・他の感染症で偽陽性も。' },
    },
    'ASO': {
      en: { what: 'Antistreptolysin O — measures antibodies to streptococcus bacteria.', why: 'Detects recent strep infection, used to diagnose post-streptococcal complications (rheumatic fever, post-strep glomerulonephritis).', high: 'Recent group A strep infection. Rises 1-3 weeks after infection, peaks at 3-6 weeks.' },
      jp: { what: '抗ストレプトリジン O — A 群連鎖球菌に対する抗体を測定。', why: '直近の溶連菌感染を検出。リウマチ熱や溶連菌感染後糸球体腎炎の診断に使用。', high: '直近の A 群溶連菌感染。感染後 1〜3 週で上昇、3〜6 週でピーク。' },
    },
    // ─── Ophthalmology
    'Ocular Pressure (Left)': {
      en: { what: 'Intraocular pressure of the left eye.', why: 'Primary screen for glaucoma. Normal: 10-21 mmHg. Elevated pressure damages the optic nerve over time.', high: 'Glaucoma (open-angle most common), uveitis, certain medications (steroids), acute angle-closure (medical emergency if very high + eye pain + vision changes).' },
      jp: { what: '左眼の眼圧。', why: '緑内障の主要スクリーニング指標。正常:10〜21 mmHg。眼圧上昇は視神経を経時的に傷害。', high: '緑内障(開放隅角型が多い)・ブドウ膜炎・薬剤性(ステロイド)・急性閉塞隅角緑内障(高眼圧+眼痛+視力障害で緊急受診)。' },
    },
    'Ocular Pressure (Right)': {
      en: { what: 'Intraocular pressure of the right eye.', why: 'Primary screen for glaucoma. Normal: 10-21 mmHg. Asymmetry between eyes (>3 mmHg) can be a concerning sign even when both are within "normal" range.', high: 'Same causes as left-eye elevation. Always compare to opposite eye.' },
      jp: { what: '右眼の眼圧。', why: '緑内障の主要スクリーニング指標。正常:10〜21 mmHg。左右差(>3 mmHg)は両眼とも「正常」範囲内でも要注意。', high: '左眼高値と同じ原因。常に対側眼と比較。' },
    },
  };

  // ─── AI-generated lab descriptions (overrides) ──────────────────
  //
  // For tests not in the built-in LAB_INFO table, the Health Tracker
  // can ask Claude to generate descriptions on the fly during vision
  // import. Results are cached in state so subsequent imports of the
  // same test name don't trigger re-generation.
  //
  // Stored at `health_tracker.lab_info_overrides[testName] = { en, jp,
  // ai_generated, generated_at }`. The ⓘ popover prefers built-in
  // LAB_INFO when both exist (manual writeups override AI), but
  // falls through to overrides for tests we don't yet cover.
  function getLabInfoOverrides() {
    return (getHt().lab_info_overrides) || {};
  }
  function setLabInfoOverride(name, data) {
    const cur = getLabInfoOverrides();
    cur[name] = data;
    patchHt({ lab_info_overrides: cur });
  }
  // Single lookup helper — checked everywhere instead of direct
  // LAB_INFO[name] reads. Returns null when neither source has it.
  function getLabInfoFor(name) {
    if (!name) return null;
    if (LAB_INFO[name]) return LAB_INFO[name];
    const overrides = getLabInfoOverrides();
    return overrides[name] || null;
  }

  // Post-extraction hook: identify tests whose canonical name has no
  // description on file, and ask Claude (text-only, NO PHI) to
  // generate one. Mutates state via setLabInfoOverride; UI re-renders
  // pick up the new info on next paint of the Lab Results tab.
  //
  // statusEl: optional DOM node to update with progress text. Quiet on
  // failure so the main extraction flow isn't interrupted.
  async function maybeGenerateLabDescriptions(ext, statusEl) {
    if (!ext || !Array.isArray(ext.lab_results) || ext.lab_results.length === 0) return;
    if (!TB.ai || typeof TB.ai.callClaudeForLabDescriptions !== 'function') return;
    if (!TB.ai.hasKey || !TB.ai.hasKey()) return;
    // Respect consent: ask_taigan covers educational text-only flows.
    if (typeof TB.ai.isFeatureAllowed === 'function' &&
        TB.ai.isFeatureAllowed('ask_taigan') === false) return;

    // Collect unique canonical names that we don't yet have info for.
    const wanted = [];
    const seen = new Set();
    for (const lr of ext.lab_results) {
      const raw = String(lr && lr.name || '').trim();
      if (!raw) continue;
      const canon = normalizeLabName(raw);
      if (seen.has(canon)) continue;
      seen.add(canon);
      if (getLabInfoFor(canon)) continue;
      wanted.push(canon);
    }
    if (wanted.length === 0) return;

    if (statusEl) {
      statusEl.textContent = '✨ ' + TB.i18n.t('ht.labs.info.aiGenerating', { n: wanted.length });
      statusEl.style.color = 'var(--tb-text-soft)';
    }

    try {
      const result = await TB.ai.callClaudeForLabDescriptions(wanted, { feature: 'ask_taigan' });
      const descs = (result && result.descriptions) || {};
      let saved = 0;
      for (const name of Object.keys(descs)) {
        const d = descs[name];
        if (!d) continue;
        // Validate basic shape — need at least one language present.
        if (!d.en && !d.jp) continue;
        setLabInfoOverride(name, Object.assign({}, d, {
          ai_generated: true,
          generated_at: new Date().toISOString(),
        }));
        saved++;
      }
      if (statusEl && saved > 0) {
        statusEl.textContent = '✨ ' + TB.i18n.t('ht.labs.info.aiGenerated.done',
          { n: saved, cost: (result.cost_usd || 0).toFixed(4) });
        statusEl.style.color = 'var(--tb-success)';
      }
    } catch (err) {
      // Quiet fail — main extraction flow continues. Surface only if
      // there's a status element to update so the user sees nothing
      // is broken; the rest of the import proceeds normally.
      if (statusEl) {
        console.warn('[lab-info] AI description fetch failed:', err);
      }
    }
  }

  // Memoize so we don't re-scan the table on every cell render.
  const __labNameCache = {};
  function normalizeLabName(name) {
    if (!name) return '';
    const trimmed = String(name).trim();
    if (!trimmed) return '';
    if (__labNameCache[trimmed] !== undefined) return __labNameCache[trimmed];
    for (const entry of LAB_CANONICAL) {
      for (const pat of entry.patterns) {
        if (pat instanceof RegExp && pat.test(trimmed)) {
          __labNameCache[trimmed] = entry.canonical;
          return entry.canonical;
        }
      }
    }
    __labNameCache[trimmed] = trimmed;
    return trimmed;
  }

  // ─── Fuzzy duplicate detection (post-extraction) ────────────────
  //
  // After a vision import, scan extracted lab names against the user's
  // existing distinct stored names. When two names normalize to the
  // SAME canonical, the display layer auto-merges — no action needed.
  // What we want to surface is names that normalize differently but
  // are SUSPICIOUSLY similar — likely the same test that our regex
  // table doesn't know about yet.
  //
  // Similarity signals (any one triggers a flag):
  //   • Strict superset: A contains B (case-insensitive, after
  //     stripping non-alphanumerics). Catches "Body Fat" ⊂
  //     "Body Fat Mass" — same root term, distinct measurement;
  //     surfaced so the user can dismiss ("they're different")
  //     or merge ("same thing").
  //   • Levenshtein distance ≤ 2 on normalized strings ≥ 6 chars.
  //     Catches typo-level differences.
  //   • Same alphanumeric "fingerprint" (lowercased, non-alpha
  //     stripped). Catches "HDL-C" vs "HDLC" vs "HDL C".

  function _alphaFingerprint(s) {
    return String(s || '').toLowerCase().replace(/[^a-z0-9]/g, '');
  }

  function _levenshtein(a, b) {
    a = String(a || '').toLowerCase();
    b = String(b || '').toLowerCase();
    if (a === b) return 0;
    if (!a.length) return b.length;
    if (!b.length) return a.length;
    // Bail out fast when length difference alone exceeds our threshold.
    if (Math.abs(a.length - b.length) > 3) return 99;
    const m = a.length, n = b.length;
    let prev = new Array(n + 1);
    let curr = new Array(n + 1);
    for (let j = 0; j <= n; j++) prev[j] = j;
    for (let i = 1; i <= m; i++) {
      curr[0] = i;
      for (let j = 1; j <= n; j++) {
        const cost = a.charCodeAt(i - 1) === b.charCodeAt(j - 1) ? 0 : 1;
        curr[j] = Math.min(curr[j - 1] + 1, prev[j] + 1, prev[j - 1] + cost);
      }
      const tmp = prev; prev = curr; curr = tmp;
    }
    return prev[n];
  }

  // Return potential duplicate pairs found in an extracted lab_results
  // array against the existing exam history. Each result:
  //   { extracted_name, existing_name, reason, existing_canonical }
  // Already-canonicalized matches (both names map to the same
  // canonical) are EXCLUDED — those auto-merge cleanly already.
  function findPotentialDuplicateLabNames(extracted) {
    const labs = Array.isArray(extracted && extracted.lab_results) ? extracted.lab_results : [];
    if (labs.length === 0) return [];

    // Build the universe of existing distinct stored names.
    const existingSet = new Set();
    for (const e of getExams()) {
      for (const lr of (e.lab_results || [])) {
        const n = String(lr.name || '').trim();
        if (n) existingSet.add(n);
      }
    }
    if (existingSet.size === 0) return [];
    const existingList = Array.from(existingSet);

    const out = [];
    const seenPairs = new Set();
    for (const lr of labs) {
      const extName = String(lr.name || '').trim();
      if (!extName) continue;
      const extCanon = normalizeLabName(extName);
      const extFp = _alphaFingerprint(extName);
      if (extFp.length < 2) continue;

      for (const existName of existingList) {
        if (existName === extName) continue; // identical — not a "potential" dup
        const existCanon = normalizeLabName(existName);
        if (existCanon === extCanon) continue; // auto-merges via canonical table
        const existFp = _alphaFingerprint(existName);
        if (!existFp) continue;

        let reason = null;
        if (extFp === existFp) {
          reason = 'fingerprint'; // "HDL-C" vs "HDL C" — same letters, different punctuation
        } else if (extFp.length >= 4 && existFp.length >= 4 &&
                   (extFp.includes(existFp) || existFp.includes(extFp))) {
          reason = 'substring';
        } else if (extName.length >= 6 && existName.length >= 6 &&
                   _levenshtein(extName, existName) <= 2) {
          reason = 'typo';
        }
        if (!reason) continue;

        // Dedupe pairs — only first-seen reason wins.
        const key = extName + '||' + existName;
        if (seenPairs.has(key)) continue;
        seenPairs.add(key);
        out.push({
          extracted_name: extName,
          existing_name: existName,
          existing_canonical: existCanon,
          reason,
        });
      }
    }
    return out;
  }

  // Cross-query helpers — surface the episode's full constellation of
  // attached records. Each returns the records in chronological order
  // (oldest first for timelines, newest first for status lists).
  function examsForEpisode(epId) {
    return getExams().filter((e) => e.episode_id === epId)
      .sort((a, b) => (a.date || '').localeCompare(b.date || ''));
  }
  function medicationsForEpisode(epId) {
    return getMeds().filter((m) => m.episode_id === epId)
      .sort((a, b) => (b.started_date || '').localeCompare(a.started_date || ''));
  }
  function invoicesForEpisode(epId) {
    return getInvoices().filter((i) => i.episode_id === epId)
      .sort((a, b) => (a.date || '').localeCompare(b.date || ''));
  }
  // Sum invoices for an episode in USD. Reimbursed amounts are
  // subtracted from totals when `net=true` (default). For non-USD
  // invoices, we use amount_usd_calc (captured at entry time) rather
  // than re-converting at the current rate — preserves historical
  // truth, prevents FX-drift fictional numbers.
  // Auto-derive episode metadata from its attached records.
  //
  // Rules:
  //   • Date range: ALWAYS pulled from attached records.
  //       started_date  = earliest date across exams + meds.started_date + invoices
  //       completed_date = latest date (only set when status='completed',
  //         so a still-active episode doesn't get an artificial end date).
  //   • Provider / facility / specialty / related_condition:
  //       auto-fill ONLY when the user hasn't set them yet (or has set
  //       a derived value that matches the previous auto-fill). Most-
  //       common value wins when records disagree.
  //   • Notes: when blank, populate by concatenating per-exam +
  //       per-document AI summaries with date tags. Once the user
  //       edits, we don't touch it.
  //   • Outcome: same as notes but only fills when status='completed'
  //       so an active episode doesn't get a premature outcome.
  //
  // The auto-derived values are marked with `__derived_<field>` keys
  // on the episode so we can detect "user-set vs auto-set" on later
  // attachments — when a user manually edits a field, we strip the
  // matching __derived_ marker so we never overwrite their edit.
  function recomputeEpisodeDerivedFields(epId) {
    const ep = getEpisodes().find((e) => e.id === epId);
    if (!ep) return;
    const exams = examsForEpisode(epId);
    const meds = medicationsForEpisode(epId);
    const invs = invoicesForEpisode(epId);

    // Collect all relevant dates
    const dates = [];
    exams.forEach((e) => { if (e.date) dates.push(e.date); });
    meds.forEach((m) => { if (m.started_date) dates.push(m.started_date); });
    invs.forEach((i) => { if (i.date) dates.push(i.date); });

    if (dates.length > 0) {
      dates.sort();
      // started_date: always min — date range should reflect reality
      ep.started_date = dates[0];
      // completed_date: only set when status indicates closure
      if (ep.status === 'completed') {
        ep.completed_date = dates[dates.length - 1];
      }
    }

    // Helper: auto-fill a string field if blank OR if it was previously
    // auto-derived (so attaching new records can update the derived
    // value, but a user-edited value sticks).
    function autoFillString(field, candidate) {
      if (!candidate) return;
      const cur = ep[field];
      const wasDerived = ep['__derived_' + field] === true;
      const isBlank = !cur || String(cur).trim().length === 0;
      if (isBlank || (wasDerived && cur !== candidate)) {
        ep[field] = candidate;
        ep['__derived_' + field] = true;
      }
    }

    // Most-common value across an array; ties broken by first-seen order.
    function mostCommon(arr) {
      const counts = {};
      const order = [];
      for (const v of arr) {
        if (!v) continue;
        if (counts[v] == null) { counts[v] = 0; order.push(v); }
        counts[v]++;
      }
      if (order.length === 0) return null;
      order.sort((a, b) => counts[b] - counts[a]);
      return order[0];
    }

    // Provider — pull from exams (most common). Meds' prescriber is
    // often a different person, so we don't pull from there.
    autoFillString('provider', mostCommon(exams.map((e) => e.provider)));

    // Facility — pull from exams (most common)
    autoFillString('facility', mostCommon(exams.map((e) => e.facility)));

    // Specialty — light inference from facility keywords + exam types.
    // Only fires when facility is set (we'd otherwise need a much
    // larger ontology to guess from exam type alone).
    if (!ep.specialty || ep['__derived_specialty']) {
      const inferred = inferSpecialty(ep, exams);
      if (inferred) autoFillString('specialty', inferred);
    }

    // Related condition — aggregate unique diagnoses from attached
    // exams. Joined with semicolons. Auto-overwrites previous derived
    // values when new diagnoses appear; preserved when user edits.
    const allDiagnoses = [];
    const seen = new Set();
    for (const e of exams) {
      for (const d of (e.diagnoses || [])) {
        if (!d) continue;
        const key = String(d).toLowerCase().trim();
        if (seen.has(key)) continue;
        seen.add(key);
        allDiagnoses.push(d);
      }
    }
    if (allDiagnoses.length > 0) {
      autoFillString('related_condition', allDiagnoses.join('; '));
    }

    // Notes — concatenate AI summaries (per-exam + per-doc) with date
    // tags. Only fills when blank or previously auto-derived.
    const summaries = [];
    for (const e of exams) {
      if (e.ai_summary && e.ai_summary.trim()) {
        summaries.push('[' + (e.date || '?') + ' · ' + examTypeLabel(e.type) + '] ' + e.ai_summary);
      }
      for (const d of (e.documents || [])) {
        if (d.ai_summary && d.ai_summary.trim() &&
            (!e.ai_summary || !e.ai_summary.includes(d.ai_summary))) {
          const kindLabel = documentKindLabel(d.kind || 'other');
          summaries.push('[' + (e.date || '?') + ' · ' + kindLabel + '] ' + d.ai_summary);
        }
      }
    }
    if (summaries.length > 0) {
      autoFillString('notes', summaries.join('\n\n'));
    }

    // Outcome — only auto-fill when status=='completed'. Pulls follow-up
    // text from the latest exam + diagnoses summary.
    if (ep.status === 'completed') {
      const sortedExams = exams.slice().sort((a, b) => (b.date || '').localeCompare(a.date || ''));
      const latest = sortedExams[0];
      if (latest) {
        const parts = [];
        if (latest.followup) parts.push(latest.followup);
        if (allDiagnoses.length > 0) {
          parts.push('Final diagnoses: ' + allDiagnoses.join('; '));
        }
        if (parts.length > 0) autoFillString('outcome', parts.join('\n\n'));
      }
    }

    ep.updated_at = new Date().toISOString();
    upsertEpisode(ep);
  }

  // Lightweight specialty inference from facility name + exam types.
  // Returns a specialty string or null when nothing matches. Keep
  // additions here narrow + conservative — better to leave specialty
  // blank than wrong.
  function inferSpecialty(ep, exams) {
    const facilityLower = String(ep.facility || '').toLowerCase();
    const haystacks = [facilityLower].concat(
      exams.map((e) => String(e.facility || '').toLowerCase())
    );
    const combined = haystacks.join(' ');
    // Order matters — more specific terms first
    const PATTERNS = [
      [/gastro|endoscop|colonosc|消化器|内視鏡/, 'Gastroenterology'],
      [/cardio|heart|循環器|心臓/, 'Cardiology'],
      [/dermat|skin|皮膚科/, 'Dermatology'],
      [/ophthal|eye clinic|optic|眼科/, 'Ophthalmology'],
      [/orthop|ortho |bone|整形外科/, 'Orthopedics'],
      [/oncol|cancer|腫瘍|がん/, 'Oncology'],
      [/urolog|泌尿器/, 'Urology'],
      [/gyneco|obgyn|ob-gyn|婦人科|産婦人科/, 'OB/GYN'],
      [/neurolog|brain|神経内科/, 'Neurology'],
      [/psych|mental|精神|心療内科/, 'Psychiatry / Mental health'],
      [/dental|dentist|歯科/, 'Dental'],
      [/ent\b|otolaryng|耳鼻/, 'ENT (Otolaryngology)'],
      [/endocrin|diabetes|thyroid|内分泌/, 'Endocrinology'],
      [/radiol|imaging|放射線/, 'Radiology'],
      [/pulmon|lung|respirat|呼吸器/, 'Pulmonology'],
      [/internal medicine|primary care|family practice|内科/, 'Primary care / Internal medicine'],
    ];
    for (const [re, label] of PATTERNS) {
      if (re.test(combined)) return label;
    }
    // Fallback: if all attached exams are 'imaging'
    if (exams.length > 0 && exams.every((e) => e.type === 'imaging')) return 'Radiology';
    return null;
  }

  // Strip the __derived_<field> marker when the user manually edits a
  // field. Called from the episode edit modal's input handlers so
  // subsequent attachments respect their override.
  function markEpisodeFieldUserSet(epId, field) {
    const ep = getEpisodes().find((e) => e.id === epId);
    if (!ep) return;
    if (ep['__derived_' + field]) {
      delete ep['__derived_' + field];
      upsertEpisode(ep);
    }
  }

  function totalCostForEpisode(epId, opts) {
    opts = opts || {};
    const net = opts.net !== false;
    const invs = invoicesForEpisode(epId);
    let gross = 0, reimbursed = 0;
    for (const i of invs) {
      const u = i.amount_usd_calc;
      if (typeof u === 'number' && isFinite(u)) gross += u;
      const r = i.reimbursed_usd_calc;
      if (typeof r === 'number' && isFinite(r) && i.reimbursement_status === 'received') {
        reimbursed += r;
      }
    }
    return { gross, reimbursed, net: gross - reimbursed, count: invs.length };
  }

  function getPrefs() { return getHt().preferences || { units: 'metric', track_trends: true, default_lab_panel: 'cmp' }; }
  function getUi() { return getHt().ui_state || { active_tab: 'dashboard' }; }
  function setUiTab(tab) {
    const ui = getUi();
    patchHt({ ui_state: Object.assign({}, ui, { active_tab: tab }) });
  }

  // ====================================================================
  // Compute helpers
  // ====================================================================

  function daysSince(iso) {
    if (!iso) return Infinity;
    const d = new Date(iso + (iso.length === 10 ? 'T00:00:00' : ''));
    if (isNaN(d.getTime())) return Infinity;
    return Math.floor((Date.now() - d.getTime()) / 86400000);
  }
  function daysUntil(iso) {
    if (!iso) return Infinity;
    const d = new Date(iso + (iso.length === 10 ? 'T00:00:00' : ''));
    if (isNaN(d.getTime())) return Infinity;
    return Math.ceil((d.getTime() - Date.now()) / 86400000);
  }

  // Find the latest exam of a given type.
  function latestExamOfType(type) {
    const exams = getExams();
    for (const e of exams) {
      if (e.type === type) return e;
    }
    return null;
  }
  function latestExam() { return getExams()[0] || null; }

  // Lab-name patterns that classify as a "blood panel" — used for
  // detecting whether a physical / specialist / other exam ALSO
  // counts as blood work. The user-visible problem this solves:
  // an annual physical PDF typically includes a CMP/CBC/lipid panel,
  // so saying "Last blood panel: Never" when the screen literally
  // shows ALT/AST/Creatinine trends is wrong.
  //
  // Fact-check anchor: standard US Quest / LabCorp panel components +
  // common JP 健康診断 blood-draw values (sourced from MHLW標準健診項目).
  // Match is case-insensitive substring; multi-language friendly.
  const BLOOD_PANEL_KEYWORDS = [
    // Liver
    /\balt\b/i, /\bast\b/i, /\bgpt\b/i, /\bgot\b/i, /\balp\b/i,
    /\bggt\b/i, /\bldh\b/i, /bilirubin/i, /\bckb?\b|\bcpk\b/i, /総ビリルビン/i,
    // Kidney
    /creatinine/i, /\bbun\b/i, /\begfr\b/i, /urea/i, /uric.?acid/i, /尿酸/i,
    // Electrolytes
    /sodium|natrium|\bna\b/i, /potassium|\bk\b/i, /chloride|\bcl\b/i,
    /\bco2\b|bicarbonate/i, /calcium|\bca\b/i, /magnesium|\bmg\b/i,
    /phosphorus|phosphate|リン/i,
    // Glucose / diabetes
    /glucose|血糖/i, /\ba1c\b|hba1c|hemoglobin\s*a1c/i,
    // Lipids
    /\bldl\b/i, /\bhdl\b/i, /cholesterol|総コレ|tc\b/i, /triglyceride|中性脂肪/i,
    // CBC
    /\bwbc\b|white.?blood/i, /\brbc\b|red.?blood/i, /\bmcv\b/i,
    /\bmch\b/i, /\bmchc\b/i, /platelet|血小板/i,
    /hemoglobin|hgb|hb\b|ヘモグロビン/i, /hematocrit|hct|ヘマトクリット/i,
    // Proteins
    /albumin|アルブミン/i, /total.?protein|総蛋白/i, /globulin/i,
    // Thyroid
    /\btsh\b/i, /\bt3\b/i, /\bt4\b/i, /thyroid/i,
    // Vitamins / micros
    /vitamin.?d|25.?oh/i, /vitamin.?b12|cobalamin/i, /folate|folic/i,
    /iron|ferritin|鉄|フェリチン/i,
    // Hormones
    /testosterone|estradiol|progesterone|cortisol|テストステロン/i,
    // Cardiac
    /troponin/i, /\bbnp\b|nt.?pro.?bnp/i, /\bcrp\b|c.?reactive/i,
    // Common JP panel terms (Romaji + kanji)
    /中性脂肪/i, /血液一般/i, /生化学/i, /γ.?gtp/i,
  ];

  function isBloodPanelLab(name) {
    if (!name) return false;
    return BLOOD_PANEL_KEYWORDS.some((re) => re.test(name));
  }

  // True when an exam contains lab_results whose names match the
  // blood-panel keyword list. Threshold of 2 prevents a single
  // glucose reading at a dermatologist visit from counting as a panel.
  function examHasBloodPanel(exam, minMatches) {
    if (!exam || !Array.isArray(exam.lab_results)) return false;
    const min = minMatches || 2;
    let count = 0;
    for (const lr of exam.lab_results) {
      if (isBloodPanelLab(lr && lr.name)) {
        count++;
        if (count >= min) return true;
      }
    }
    return false;
  }

  // Find the latest exam that includes a blood panel — regardless of
  // whether the exam was filed as type='blood_panel' or type='physical'
  // or anything else. The fix for the "Last Blood Panel: Never" tile.
  function latestExamWithBloodPanel() {
    for (const e of getExams()) {
      if (examHasBloodPanel(e)) return e;
    }
    return null;
  }

  // Format a lab reference range using standard medical notation.
  // Real lab reports often have only one bound — e.g., abdominal
  // circumference is "<85 cm" (upper only), HDL is ">40 mg/dL"
  // (lower only), creatinine is "<1.07" (upper only). Displaying
  // these as "?-85" or "60-?" looks broken; "< 85" / "> 60" matches
  // how every lab report and clinician writes them. When both bounds
  // are present we render as the standard "low–high" range; when
  // neither is present we render an em-dash placeholder.
  function formatLabRange(low, high) {
    const hasLow = low != null && isFinite(Number(low));
    const hasHigh = high != null && isFinite(Number(high));
    if (!hasLow && !hasHigh) return '—';
    if (!hasLow &&  hasHigh) return '< ' + high;
    if ( hasLow && !hasHigh) return '> ' + low;
    return low + '–' + high;
  }

  // Build a lab-results trend series for a given test name across exams.
  // Returns [{ date, value, unit, flag }] sorted oldest → newest.
  // Names are normalized (lowercase, trimmed) for matching.
  // Trend for a single lab test. Accepts EITHER the canonical name
  // (preferred — looked up by normalizing each stored row's name) OR
  // any raw alias. Returns chronologically-sorted readings across all
  // exams that contain any name variant mapping to the same canonical.
  function trendForLabTest(name) {
    const target = normalizeLabName(name);
    if (!target) return [];
    const out = [];
    for (const e of getExams()) {
      if (!e.date) continue;
      for (const lr of (e.lab_results || [])) {
        if (normalizeLabName(lr.name) === target) {
          out.push({
            date: e.date,
            value: lr.value,
            unit: lr.unit,
            flag: lr.flag,
            exam_id: e.id,
            raw_name: lr.name || '',
            range_low: lr.range_low,
            range_high: lr.range_high,
          });
        }
      }
    }
    out.sort((a, b) => a.date.localeCompare(b.date));
    return out;
  }

  // All distinct lab-test names across the exam history, grouped by
  // CANONICAL name (so "HDL Cholesterol", "HDL Cholesterol (HDL-C)",
  // and "HDL-Cholesterol" collapse into one row). Each record carries:
  //   • count          — total readings across all raw-name variants
  //   • raw_names      — distinct stored names, count desc
  //   • range_variants — distinct ranges seen ("85–120" / "< 100" / etc)
  //   • latest_*       — most-recent reading details + its range
  // Powers the Lab Results tab.
  function allLabTests() {
    const map = new Map();
    for (const e of getExams()) {
      for (const lr of (e.lab_results || [])) {
        const raw = String(lr.name || '').trim();
        if (!raw) continue;
        const canon = normalizeLabName(raw);
        if (!map.has(canon)) {
          const entry = LAB_CANONICAL_BY_NAME[canon];
          map.set(canon, {
            name: canon,
            unit: lr.unit,
            range_low: lr.range_low,
            range_high: lr.range_high,
            count: 0,
            latest_value: null,
            latest_date: null,
            latest_flag: null,
            raw_names: {},            // raw → count
            range_variants: new Set(), // distinct range strings
            // Methodology hint key — populated when the canonical entry
            // declares one. Renders as a small ⓘ in the Lab Results
            // row with a hover explaining the methodology variance.
            method_note_key: entry && entry.methodNoteKey ? entry.methodNoteKey : null,
          });
        }
        const rec = map.get(canon);
        rec.count++;
        rec.raw_names[raw] = (rec.raw_names[raw] || 0) + 1;
        const rangeStr = formatLabRange(lr.range_low, lr.range_high);
        if (rangeStr && rangeStr !== '—') rec.range_variants.add(rangeStr);
        if (!rec.latest_date || (e.date && e.date > rec.latest_date)) {
          rec.latest_date = e.date;
          rec.latest_value = lr.value;
          rec.latest_flag = lr.flag;
          rec.unit = lr.unit || rec.unit;
          // Always update range to the most-recent reading's range,
          // not first-seen — clinical ranges drift over time and the
          // newest report represents the user's current lab's
          // reference values.
          rec.range_low = lr.range_low != null ? lr.range_low : rec.range_low;
          rec.range_high = lr.range_high != null ? lr.range_high : rec.range_high;
        }
      }
    }
    // Materialize derived fields for downstream callers.
    const arr = Array.from(map.values()).map((rec) => {
      const rawSorted = Object.keys(rec.raw_names)
        .sort((a, b) => rec.raw_names[b] - rec.raw_names[a]);
      return Object.assign({}, rec, {
        raw_names: rawSorted,           // string[] sorted by count
        range_variants: Array.from(rec.range_variants),
        range_varies: rec.range_variants.size > 1,
      });
    });
    return arr.sort((a, b) => {
      // Abnormal-most-recent first, then alphabetical.
      const aBad = (a.latest_flag === 'critical' || a.latest_flag === 'high' || a.latest_flag === 'low') ? 0 : 1;
      const bBad = (b.latest_flag === 'critical' || b.latest_flag === 'high' || b.latest_flag === 'low') ? 0 : 1;
      if (aBad !== bBad) return aBad - bBad;
      return a.name.localeCompare(b.name);
    });
  }

  function activeMeds() {
    return getMeds().filter((m) => !m.ended_date);
  }

  // Compute the user's current age. Prefers explicit DOB from
  // onboarding (birth_year + optional birth_month), falls back to
  // separation_date for veterans (rough proxy), then null. Returns
  // null when no age data is available — callers must handle.
  function computeAge() {
    const a = TB.state.get('onboarding.answers') || {};
    if (a.birth_year && /^\d{4}$/.test(String(a.birth_year))) {
      const by = parseInt(a.birth_year, 10);
      if (by > 1900 && by < 2100) {
        return new Date().getFullYear() - by;
      }
    }
    // Health Tracker preference override (set inline if onboarding skipped)
    const prefAge = TB.state.get('health_tracker.preferences.age');
    if (prefAge && prefAge > 0 && prefAge < 130) return prefAge;
    return null;
  }

  // User's biological sex for screening filtering. Sourced from (in
  // priority order): health_tracker.preferences.sex, then
  // onboarding.answers.biological_sex. Returns 'female' | 'male' |
  // 'other' | 'prefer_not_to_say' | null. Used to filter sex-specific
  // screenings; sex-specific screenings are SHOWN for null users
  // (the setup banner nudges them to set it).
  function computeUserSex() {
    const pref = TB.state.get('health_tracker.preferences.sex');
    if (pref) return pref;
    const a = TB.state.get('onboarding.answers') || {};
    if (a.biological_sex) return a.biological_sex;
    return null;
  }

  // Compute "preventive screenings due" by combining the library with
  // the user's current age and the latest exam-of-type. User overrides
  // via care_plan.preventive_screenings_due take precedence.
  //
  // Status semantics:
  //   'never'    — never recorded; no last_done date. UI shows but
  //                action center does NOT fire (too noisy to nag
  //                about everything-not-yet-entered).
  //   'critical' — last_done > 1 year past the recommended interval
  //   'due'      — last_done past interval but < 1 year past
  //   'upcoming' — within 90 days of being due
  //   'current'  — well within interval
  function computeScreeningsDue() {
    const age = computeAge();
    const sex = computeUserSex();
    const userEntries = (getCarePlan().preventive_screenings_due || []);
    const userByLibId = {};
    for (const u of userEntries) {
      if (u.library_id) userByLibId[u.library_id] = u;
    }
    const out = [];
    for (const lib of PREVENTIVE_SCREENINGS_LIBRARY) {
      // Sex-specific filter: skip if user's sex is set AND doesn't
      // match this screening's applicability. When sex is null, we
      // show everything and rely on the setup banner to nudge the user.
      if (lib.sex_applicable && lib.sex_applicable !== 'all' && sex) {
        if (sex !== lib.sex_applicable) continue;
      }
      // Age gate: skip if user's age is known AND younger than start.
      // When age is null, we err on the side of showing (with banner).
      if (age != null && age < lib.start_age) continue;
      const user = userByLibId[lib.id];
      if (user && user.disabled) continue;
      const lastDone = user && user.last_done ? user.last_done : null;
      const interval = (user && user.interval_years) || lib.interval_years;
      let status, overdueDays = null;
      if (!lastDone) {
        status = 'never';
      } else {
        const daysSinceLast = daysSince(lastDone);
        const daysInterval = interval * 365;
        overdueDays = daysSinceLast - daysInterval;
        status = overdueDays > 365 ? 'critical'
              : overdueDays > 0   ? 'due'
              : overdueDays > -90 ? 'upcoming'
              : 'current';
      }
      out.push({
        library_id: lib.id,
        label_en: lib.label_en,
        label_jp: lib.label_jp,
        sex_applicable: lib.sex_applicable,
        start_age: lib.start_age,
        last_done: lastDone,
        interval_years: interval,
        overdue_days: overdueDays,
        status,
      });
    }
    // Sort: critical first, then due, then upcoming, then never, then current.
    const rank = { critical: 0, due: 1, upcoming: 2, never: 3, current: 4 };
    out.sort((x, y) => rank[x.status] - rank[y.status]);
    return out;
  }

  // Scan a single exam for evidence of completed preventive screenings.
  // Returns an array of `{ library_id, date }` — the date is the exam's
  // date which we'll treat as last_done for the screening. A single
  // exam can mark multiple screenings (e.g., an annual physical with a
  // lipid panel + A1C + Hep C antibody).
  function inferScreeningsFromExam(exam) {
    if (!exam) return [];
    const haystack = [
      exam.type || '',
      (exam.diagnoses || []).join(' '),
      (exam.procedures || []).join(' '),
      exam.followup || '',
      exam.notes || '',
      exam.ai_summary || '',
      (exam.documents || []).map((d) => (d.title || '') + ' ' + (d.ai_summary || '')).join(' '),
    ].join(' | ');
    const labNames = (exam.lab_results || []).map((lr) => String(lr.name || ''));
    const out = [];
    for (const matcher of SCREENING_MATCHERS) {
      let hit = false;
      for (const re of (matcher.text || [])) {
        if (re.test(haystack)) { hit = true; break; }
      }
      if (!hit) {
        for (const re of (matcher.labs || [])) {
          if (labNames.some((n) => re.test(n))) { hit = true; break; }
        }
      }
      if (hit) out.push({ library_id: matcher.lib_id, date: exam.date || null });
    }
    return out;
  }

  // Apply inferred screenings: update care_plan.preventive_screenings_due[*]
  // so the matched library_id's `last_done` reflects the latest exam
  // date. Only upgrades (never downgrades) — if the user has a NEWER
  // last_done than this exam, we leave theirs alone. Provenance is
  // tracked via `auto_inferred_from` for transparency.
  //
  // Returns the list of library_ids that were updated, so callers can
  // surface a small toast / log if they want to.
  function applyExamScreeningInference(exam) {
    const inferred = inferScreeningsFromExam(exam);
    if (inferred.length === 0) return [];
    const cp = getCarePlan();
    cp.preventive_screenings_due = cp.preventive_screenings_due || [];
    const updated = [];
    for (const m of inferred) {
      if (!m.date) continue;
      let entry = cp.preventive_screenings_due.find((u) => u.library_id === m.library_id);
      if (!entry) {
        entry = { library_id: m.library_id };
        cp.preventive_screenings_due.push(entry);
      }
      // Don't downgrade a user-set newer last_done. Only fill blank or
      // bump older auto/manual values forward.
      if (!entry.last_done || entry.last_done < m.date) {
        entry.last_done = m.date;
        entry.auto_inferred_from = exam.id;
        updated.push(m.library_id);
      }
    }
    if (updated.length > 0) setCarePlan(cp);
    return updated;
  }

  // ====================================================================
  // Multi-document per exam — auto-detect + merge helpers
  // ====================================================================
  //
  // A single annual physical typically produces several documents:
  //   • Office visit summary (vitals + diagnoses + plan)
  //   • Lab panel results (CBC, CMP, lipids, A1C, …)
  //   • Imaging reports
  //   • Specialist consult notes
  //   • Vaccination record
  //
  // We want one EXAM record to gather all of these so the user sees
  // "my 2025-10-12 physical" as a single unit with multiple documents
  // attached, not three separate exam entries that fragment the lab
  // history across rows.
  //
  // Auto-detect: when a new vision-extracted document comes in, look
  // for an existing exam within ±14 days with matching type / provider
  // / facility, score the match, and offer to attach instead of
  // creating a new exam.

  function scoreCandidateExam(existing, extracted) {
    // Date proximity score (max 50)
    let score = 0;
    if (existing.date && extracted.date) {
      const a = new Date(existing.date + 'T00:00:00').getTime();
      const b = new Date(extracted.date + 'T00:00:00').getTime();
      if (!isNaN(a) && !isNaN(b)) {
        const days = Math.abs(a - b) / 86400000;
        if (days === 0) score += 50;
        else if (days <= 3) score += 30;
        else if (days <= 7) score += 15;
        else if (days <= 14) score += 5;
        else return 0; // outside window — bail entirely
      }
    } else if (!existing.date || !extracted.date) {
      return 0; // can't score without dates
    }
    // Type match (max 30)
    if (existing.type && extracted.exam_type && existing.type === extracted.exam_type) {
      score += 30;
    } else if (existing.type === 'physical' && extracted.exam_type === 'blood_panel') {
      // Physical commonly produces a separate lab panel — treat as
      // strong companion match.
      score += 25;
    } else if (existing.type === 'blood_panel' && extracted.exam_type === 'physical') {
      score += 25;
    }
    // Provider match (max 20) — case-insensitive substring overlap.
    if (existing.provider && extracted.provider) {
      const a = String(existing.provider).toLowerCase().trim();
      const b = String(extracted.provider).toLowerCase().trim();
      if (a === b) score += 20;
      else if (a.length > 3 && (a.includes(b) || b.includes(a))) score += 12;
    }
    // Facility match (max 20)
    if (existing.facility && extracted.facility) {
      const a = String(existing.facility).toLowerCase().trim();
      const b = String(extracted.facility).toLowerCase().trim();
      if (a === b) score += 20;
      else if (a.length > 3 && (a.includes(b) || b.includes(a))) score += 12;
    }
    return score;
  }

  // Returns candidate exams sorted by score (highest first). Filtered
  // to score >= MIN_THRESHOLD so we only surface plausible matches.
  function findCandidateExamsForExtraction(extracted) {
    const MIN = 40;
    const out = [];
    for (const e of getExams()) {
      const s = scoreCandidateExam(e, extracted);
      if (s >= MIN) out.push({ exam: e, score: s });
    }
    out.sort((a, b) => b.score - a.score);
    return out;
  }

  // ─── Invoice → exam/episode auto-linking ──────────────────────────
  //
  // When an invoice is extracted, we look for the visit it most likely
  // belongs to. Two passes:
  //   (1) Score exams by date proximity + provider + facility — if a
  //       strong match exists, the invoice belongs with that exam and
  //       (by extension) any episode the exam is attached to.
  //   (2) Score episodes directly — useful when no single exam captures
  //       the visit (e.g., a pharmacy receipt during a colonoscopy
  //       episode that doesn't have its own exam record).
  //
  // Threshold tuned looser than exam-doc scoring: invoices commonly land
  // weeks after the visit (insurance billing cycle), so the date window
  // is wider and date weight is slightly less aggressive.

  function scoreCandidateExamForInvoice(exam, inv) {
    let score = 0;
    // Date proximity — invoice date or billing_date may both be far from
    // service date. Use whichever is closer to the exam date.
    const invDates = [inv.date, inv.billing_date].filter(Boolean);
    if (exam.date && invDates.length > 0) {
      const a = new Date(exam.date + 'T00:00:00').getTime();
      let bestDays = Infinity;
      for (const d of invDates) {
        const b = new Date(d + 'T00:00:00').getTime();
        if (!isNaN(b)) bestDays = Math.min(bestDays, Math.abs(a - b) / 86400000);
      }
      if (bestDays === Infinity) return 0;
      if (bestDays === 0) score += 45;
      else if (bestDays <= 3) score += 35;
      else if (bestDays <= 7) score += 25;
      else if (bestDays <= 30) score += 15;
      else if (bestDays <= 90) score += 5;
      else return 0; // outside billing-cycle window
    } else {
      return 0;
    }
    // Provider match (max 25)
    if (exam.provider && inv.provider) {
      const a = String(exam.provider).toLowerCase().trim();
      const b = String(inv.provider).toLowerCase().trim();
      if (a === b) score += 25;
      else if (a.length > 3 && (a.includes(b) || b.includes(a))) score += 15;
    }
    // Facility match (max 25)
    if (exam.facility && inv.facility) {
      const a = String(exam.facility).toLowerCase().trim();
      const b = String(inv.facility).toLowerCase().trim();
      if (a === b) score += 25;
      else if (a.length > 3 && (a.includes(b) || b.includes(a))) score += 15;
    }
    // Type → exam type weak alignment (max 10). Maps invoice taxonomy
    // (visit/lab/procedure/rx/imaging/er/dental/other) to exam taxonomy.
    const TYPE_MAP = {
      lab: ['blood_panel'],
      imaging: ['imaging', 'screening'],
      procedure: ['procedure', 'surgery'],
      visit: ['physical', 'specialist', 'follow_up', 'telehealth', 'mental_health'],
      er: ['emergency'],
      dental: ['dental'],
    };
    if (inv.type && exam.type && TYPE_MAP[inv.type] && TYPE_MAP[inv.type].indexOf(exam.type) >= 0) {
      score += 10;
    }
    return score;
  }

  function findCandidateExamsForInvoice(inv) {
    const MIN = 35; // a hair looser than exam-doc matching
    const out = [];
    // Dental invoices should never match non-dental exams (e.g., a
    // dental visit shouldn't get attached to a colonoscopy just
    // because the dates are close). Filter the candidate pool.
    const isDental = inv.type === 'dental';
    for (const e of getExams()) {
      if (isDental && e.type !== 'dental') continue;
      // Conversely, non-dental invoices shouldn't match dental exams.
      if (!isDental && e.type === 'dental') continue;
      const s = scoreCandidateExamForInvoice(e, inv);
      if (s >= MIN) out.push({ exam: e, score: s });
    }
    out.sort((a, b) => b.score - a.score);
    return out;
  }

  // Score an episode directly. Two signals:
  //   • Date range overlap — invoice date falls within or near the
  //     episode's started_date / completed_date window
  //   • Provider / facility match against episode's own provider/facility
  //     (which are themselves auto-derived from attached exams).
  function scoreCandidateEpisodeForInvoice(ep, inv) {
    let score = 0;
    const invDates = [inv.date, inv.billing_date].filter(Boolean);
    if (invDates.length === 0) return 0;
    if (ep.started_date) {
      const start = new Date(ep.started_date + 'T00:00:00').getTime();
      const end = ep.completed_date
        ? new Date(ep.completed_date + 'T00:00:00').getTime()
        : Date.now();
      // Allow some slack on both sides for billing lag / scheduling lead.
      const slackBefore = 14 * 86400000;
      const slackAfter = 90 * 86400000;
      let inside = false;
      let closestDays = Infinity;
      for (const d of invDates) {
        const t = new Date(d + 'T00:00:00').getTime();
        if (isNaN(t)) continue;
        if (t >= start - slackBefore && t <= end + slackAfter) inside = true;
        const d1 = Math.abs(t - start);
        const d2 = Math.abs(t - end);
        closestDays = Math.min(closestDays, d1 / 86400000, d2 / 86400000);
      }
      if (inside) score += 35;
      else if (closestDays <= 30) score += 15;
      else return 0;
    } else {
      // Episode with no date range yet — can't reliably score
      return 0;
    }
    if (ep.provider && inv.provider) {
      const a = String(ep.provider).toLowerCase().trim();
      const b = String(inv.provider).toLowerCase().trim();
      if (a === b) score += 25;
      else if (a.length > 3 && (a.includes(b) || b.includes(a))) score += 15;
    }
    if (ep.facility && inv.facility) {
      const a = String(ep.facility).toLowerCase().trim();
      const b = String(inv.facility).toLowerCase().trim();
      if (a === b) score += 25;
      else if (a.length > 3 && (a.includes(b) || b.includes(a))) score += 15;
    }
    // Active episodes get a small bias — pending invoices on closed
    // episodes are rarer than ones on still-active care.
    if (ep.status && ep.status !== 'completed' && ep.status !== 'cancelled') {
      score += 5;
    }
    return score;
  }

  function findCandidateEpisodesForInvoice(inv) {
    const MIN = 35;
    const out = [];
    // For dental invoices, filter to episodes that are dental-related
    // (category=dental, or have dental-typed exams attached). Avoids
    // suggesting a colonoscopy episode for a dental cleaning receipt.
    const isDental = inv.type === 'dental';
    for (const ep of getEpisodes()) {
      if (isDental) {
        const isDentalEpisode = ep.category === 'dental' ||
          examsForEpisode(ep.id).some((e) => e.type === 'dental');
        if (!isDentalEpisode) continue;
      } else {
        // Non-dental invoices shouldn't match dental-only episodes
        const isDentalEpisode = ep.category === 'dental';
        if (isDentalEpisode) continue;
      }
      const s = scoreCandidateEpisodeForInvoice(ep, inv);
      if (s >= MIN) out.push({ episode: ep, score: s });
    }
    out.sort((a, b) => b.score - a.score);
    return out;
  }

  // Construct an invoice record from a vision-extraction result. The
  // amount_usd_calc is computed at entry time and stored — preserves
  // historical FX truth rather than re-converting at today's rate later.
  function createInvoiceFromExtraction(extracted, opts) {
    opts = opts || {};
    const ext = extracted || {};
    const amount = (typeof ext.amount === 'number' && isFinite(ext.amount)) ? ext.amount : null;
    const currency = ext.currency || 'USD';
    let usdCalc = null;
    if (amount != null) {
      if (currency === 'USD') usdCalc = amount;
      else if (TB.assets && typeof TB.assets.toUsd === 'function') {
        const u = TB.assets.toUsd(amount, currency);
        usdCalc = (u != null && isFinite(u)) ? u : null;
      }
    }
    const inv = {
      id: 'inv-' + Date.now().toString(36),
      date: ext.date || new Date().toISOString().slice(0, 10),
      billing_date: ext.billing_date || null,
      provider: ext.provider || '',
      facility: ext.facility || '',
      amount_native: amount,
      currency,
      amount_usd_calc: usdCalc,
      type: ext.type || 'visit',
      paid: ext.paid === true,
      paid_date: ext.paid === true ? (ext.date || null) : null,
      insurance_billed: false,
      reimbursement_status: 'na',
      reimbursed_native: null,
      reimbursed_currency: 'USD',
      reimbursed_usd_calc: null,
      episode_id: opts.episode_id || null,
      exam_id: opts.exam_id || null,
      medication_id: null,
      vault_doc_id: null,
      notes: [ext.summary, ext.notes].filter(Boolean).join('\n\n'),
      created_at: new Date().toISOString(),
      updated_at: new Date().toISOString(),
      // Bookkeeping for the import — useful in the "imported invoices" view
      ai_imported: true,
      ai_cost_usd: opts.ai_cost_usd != null ? opts.ai_cost_usd : null,
      filename: opts.filename || '',
      // Stash extracted medications on the draft so save paths can
      // materialize them into medication records. Deleted before
      // upsert — never persisted on the invoice itself.
      __pending_medications: Array.isArray(ext.medications) ? ext.medications : [],
      // Stash bilingual provider extraction so saves can sync into the
      // dental provider record when type='dental'. Same convention:
      // consumed and deleted before persisting.
      __pending_provider: (ext.provider_name_en || ext.provider_name_jp ||
                           ext.provider_phone || ext.provider_address) ? {
        name_en: ext.provider_name_en || '',
        name_jp: ext.provider_name_jp || '',
        phone: ext.provider_phone || '',
        address: ext.provider_address || '',
      } : null,
    };
    return inv;
  }

  // Save an AI-imported invoice and materialize any medications the
  // extraction found into proper med records. Use this in place of a
  // bare upsertInvoice(draft) for any invoice that came from the vision
  // importer — covers fast-path attach, standalone save, exam-candidate
  // attach, and episode-candidate attach.
  //
  // Idempotent: when re-saving the same invoice we'll skip meds that
  // already exist for this source_invoice_id. So fine-tuning an
  // imported invoice doesn't create duplicate medication entries.
  function saveImportedInvoiceWithMedications(draft, chainOpts) {
    chainOpts = chainOpts || {};
    const autoEnrichProvider = chainOpts.autoEnrichProvider !== false;
    const pending = Array.isArray(draft.__pending_medications) ? draft.__pending_medications : [];
    const pendingProvider = draft.__pending_provider || null;
    // Strip the __pending fields before persisting — transient
    // import artifacts, not invoice state.
    delete draft.__pending_medications;
    delete draft.__pending_provider;
    upsertInvoice(draft);

    // Sync provider info into the dental provider list when this is a
    // dental invoice. Catches the case where AI invoice extraction
    // captured the JP clinic name but the existing dental provider
    // only has the English name (or vice versa).
    if (draft.type === 'dental' && pendingProvider) {
      let synced = null;
      try { synced = syncDentalProviderFromInvoice(pendingProvider); } catch (_) {}
      // Chain into AI provider enrichment when the merged provider is
      // still single-language (or missing public-info fields). Fires in
      // the background with toast feedback so the save path returns
      // immediately. Opt-out lives in the upload modal checkbox.
      if (autoEnrichProvider && synced) {
        maybeChainProviderEnrichment(synced);
      }
    }

    if (pending.length === 0) return [];

    // Resolve prescriber / pharmacy hints from the invoice context.
    // Pharmacy receipts: provider is typically the pharmacy name and
    // the prescribing physician is separate (may not be on the
    // receipt). Hospital procedure receipts: provider is the
    // facility, prescriber might be on a separate page.
    const isPharmacy = (draft.type === 'rx') || /pharmacy|薬局|ドラッグ/i.test(String(draft.provider || '') + ' ' + String(draft.facility || ''));
    const pharmacy = isPharmacy ? (draft.provider || draft.facility || '') : '';
    const prescriber = isPharmacy ? '' : (draft.provider || '');

    // Find existing meds sourced from THIS invoice so we don't dupe
    // on re-save. Match on source_invoice_id + name (case-insensitive,
    // trimmed) — the user's manual edits to the med record after
    // import won't trigger a recreate.
    const existingFromInvoice = getMeds().filter((m) => m.source_invoice_id === draft.id);
    const seenNames = new Set(existingFromInvoice.map((m) => String(m.name || '').trim().toLowerCase()));

    const created = [];
    for (const m of pending) {
      if (!m || !m.name) continue;
      const key = String(m.name).trim().toLowerCase();
      if (seenNames.has(key)) continue;
      seenNames.add(key);

      const med = {
        id: 'med-' + Date.now().toString(36) + '-' + Math.random().toString(36).slice(2, 6),
        name: m.name,
        generic_name: m.generic_name || '',
        dosage: (typeof m.dosage === 'number' && isFinite(m.dosage)) ? m.dosage : null,
        dosage_unit: m.dosage_unit || 'mg',
        frequency: m.frequency || '',
        route: 'oral',
        started_date: draft.date || new Date().toISOString().slice(0, 10),
        ended_date: null,
        prescriber,
        pharmacy,
        refills_remaining: null,
        next_refill_date: null,
        purpose: '',
        side_effects: '',
        // Stash extra detail into notes so the user can see qty +
        // instructions without us inventing fields just for receipts.
        notes: [
          m.quantity != null ? 'Qty: ' + m.quantity : '',
          m.instructions || '',
        ].filter(Boolean).join('\n'),
        episode_id: draft.episode_id || null,
        exam_id: draft.exam_id || null,
        // Provenance — lets us idempotently re-save and lets the UI
        // show "from invoice X" on AI-imported meds.
        source_invoice_id: draft.id,
        ai_imported: true,
        created_at: new Date().toISOString(),
        updated_at: new Date().toISOString(),
      };
      upsertMed(med);
      created.push(med);
    }
    return created;
  }

  // Detect the "kind" of a document from the extracted content.
  // Heuristic: if there are lab_results, it's lab data; if imaging
  // findings text, it's imaging; otherwise office summary or other.
  function inferDocumentKind(extracted, fallbackFromFilename) {
    if (extracted) {
      const labsCount = Array.isArray(extracted.lab_results) ? extracted.lab_results.length : 0;
      const hasVitals = extracted.vitals && Object.keys(extracted.vitals).filter(k => extracted.vitals[k] != null).length > 0;
      if (extracted.exam_type === 'imaging') return 'imaging';
      if (labsCount >= 3 && !hasVitals) return 'lab_results';
      if (labsCount > 0 && hasVitals) return 'office_summary';
      if (hasVitals && labsCount === 0) return 'office_summary';
      if ((extracted.diagnoses || []).length > 0 && labsCount === 0) return 'office_summary';
    }
    // Fallback: filename hints
    if (fallbackFromFilename) {
      const n = String(fallbackFromFilename).toLowerCase();
      if (/lab|cbc|cmp|lipid|a1c|panel/.test(n)) return 'lab_results';
      if (/scr(een)?ing|colonosc|mammo|dexa/.test(n)) return 'screening_results';
      if (/xray|x-ray|mri|ct|ultrasound|echo|imaging/.test(n)) return 'imaging';
      if (/path/.test(n)) return 'pathology';
      if (/vacc|immuniz/.test(n)) return 'vaccination';
    }
    return 'other';
  }

  function documentKindLabel(kind) {
    const lang = TB.i18n.getLang();
    const t = TB.i18n.t;
    const key = 'ht.doc.kind.' + kind;
    const v = t(key);
    return v === key ? kind : v;  // fall back to raw id if missing i18n
  }

  // ─── Facility / provider name canonicalization ───────────────────
  //
  // Clinics in Japan commonly appear in three forms:
  //   • Japanese-only:        "さくら歯科医院"
  //   • Bilingual:            "さくら歯科医院 (Sakura Dental Clinic)"
  //   • English-only:         "Sakura Dental Clinic"
  //
  // Different exam documents from the same clinic often pick different
  // forms. We want to converge on the most complete variant — usually
  // the bilingual one — so the user sees a single facility in their
  // history, not three separate-looking places.
  //
  // Rule: "more complete" = strictly longer AND contains the existing
  // as a case-insensitive substring, OR has BOTH Japanese and Latin
  // characters when the existing has only one. Conservative — won't
  // merge unrelated names that happen to share a prefix.
  function isMoreCompleteName(candidate, existing) {
    if (!candidate) return false;
    if (!existing) return true;
    const a = String(candidate).trim();
    const b = String(existing).trim();
    if (a === b) return false;
    if (!a) return false;
    if (!b) return true;
    // Strict superset: candidate contains existing AND is longer
    if (a.length > b.length && a.toLowerCase().includes(b.toLowerCase())) return true;
    // Bilingual upgrade: candidate has both scripts, existing only one
    const hasCjk = (s) => /[぀-ゟ゠-ヿ㐀-鿿＀-￯]/.test(s);
    const hasLatin = (s) => /[a-zA-Z]/.test(s);
    const candBi = hasCjk(a) && hasLatin(a);
    const existBi = hasCjk(b) && hasLatin(b);
    if (candBi && !existBi) {
      // Verify the bilingual candidate actually shares a substring with
      // the existing — otherwise it's a different clinic that happens
      // to be bilingual, and we shouldn't conflate them.
      const aLower = a.toLowerCase();
      const bLower = b.toLowerCase();
      if (aLower.includes(bLower) || bLower.includes(aLower)) return true;
    }
    return false;
  }

  // After establishing a "more complete" facility (or provider) name on
  // one exam, propagate to ALL records (exams, invoices, episodes) that
  // hold a less-complete variant of the same name. Operates across the
  // whole list in one pass.
  //
  // The canonical pool is built from exams + invoices + episodes
  // combined — a bilingual name first appearing on an invoice should
  // upgrade an exam that has only the JP form, and vice versa.
  //
  // Returns true when at least one record was upgraded.
  function canonicalizeNamesAcrossExams() {
    const exams = getExams();
    const invoices = getInvoices();
    const episodes = getEpisodes();
    if (exams.length + invoices.length + episodes.length < 2) return false;

    // For a given set of distinct values, build a map of value → canonical
    // (most-complete variant within the set).
    function canonicalMap(values) {
      const arr = Array.from(new Set(values.filter(Boolean)));
      const out = {};
      for (const v of arr) {
        let best = v;
        for (const candidate of arr) {
          if (candidate !== best && isMoreCompleteName(candidate, best)) best = candidate;
        }
        out[v] = best;
      }
      return out;
    }

    const allFacilities = exams.map((e) => e.facility)
      .concat(invoices.map((i) => i.facility))
      .concat(episodes.map((ep) => ep.facility));
    const allProviders = exams.map((e) => e.provider)
      .concat(invoices.map((i) => i.provider))
      .concat(episodes.map((ep) => ep.provider));

    const facCanonical = canonicalMap(allFacilities);
    const provCanonical = canonicalMap(allProviders);

    let changed = false;

    // Apply to exams
    const examsUpdated = exams.map((e) => {
      let next = e;
      if (e.facility && facCanonical[e.facility] && facCanonical[e.facility] !== e.facility) {
        next = Object.assign({}, next, { facility: facCanonical[e.facility] });
        changed = true;
      }
      if (e.provider && provCanonical[e.provider] && provCanonical[e.provider] !== e.provider) {
        next = Object.assign({}, next, { provider: provCanonical[e.provider] });
        changed = true;
      }
      return next;
    });
    if (changed) setExams(examsUpdated);

    // Apply to invoices
    let invChanged = false;
    const invUpdated = invoices.map((i) => {
      let next = i;
      if (i.facility && facCanonical[i.facility] && facCanonical[i.facility] !== i.facility) {
        next = Object.assign({}, next, { facility: facCanonical[i.facility] });
        invChanged = true;
      }
      if (i.provider && provCanonical[i.provider] && provCanonical[i.provider] !== i.provider) {
        next = Object.assign({}, next, { provider: provCanonical[i.provider] });
        invChanged = true;
      }
      return next;
    });
    if (invChanged) { setInvoices(invUpdated); changed = true; }

    // Apply to episodes — but only when the episode's name was
    // auto-derived (we shouldn't overwrite a manually-typed facility).
    let epChanged = false;
    const epUpdated = episodes.map((ep) => {
      let next = ep;
      if (ep.facility && ep.__derived_facility &&
          facCanonical[ep.facility] && facCanonical[ep.facility] !== ep.facility) {
        next = Object.assign({}, next, { facility: facCanonical[ep.facility] });
        epChanged = true;
      }
      if (ep.provider && ep.__derived_provider &&
          provCanonical[ep.provider] && provCanonical[ep.provider] !== ep.provider) {
        next = Object.assign({}, next, { provider: provCanonical[ep.provider] });
        epChanged = true;
      }
      return next;
    });
    if (epChanged) { setEpisodes(epUpdated); changed = true; }

    return changed;
  }

  // Merge a vision-extracted document into an existing exam:
  //   • Append new lab_results (don't overwrite — preserves history
  //     when both docs report the same test from the same day, the
  //     user can dedupe manually if needed)
  //   • Fill missing vitals (don't overwrite existing values)
  //   • Append unique diagnoses + procedures
  //   • Upgrade provider/facility name when the extracted value is a
  //     more complete variant (e.g., bilingual replaces JP-only)
  //   • Add a new entry to documents[] with the per-doc AI summary
  //   • Update updated_at timestamp
  function mergeExtractionIntoExam(examId, extracted, meta) {
    const exam = getExams().find((e) => e.id === examId);
    if (!exam) return null;
    const merged = JSON.parse(JSON.stringify(exam));

    // Provider / facility name upgrades — when the extracted document
    // has a more complete name (bilingual vs. monolingual, fuller form
    // vs. abbreviated), upgrade the exam to the better variant. We
    // never DOWNGRADE here — a partial extraction shouldn't lose info.
    if (extracted.provider && isMoreCompleteName(extracted.provider, merged.provider)) {
      merged.provider = extracted.provider;
    }
    if (extracted.facility && isMoreCompleteName(extracted.facility, merged.facility)) {
      merged.facility = extracted.facility;
    }

    // Append lab results
    if (Array.isArray(extracted.lab_results) && extracted.lab_results.length > 0) {
      merged.lab_results = (merged.lab_results || []).concat(extracted.lab_results);
    }
    // Fill missing vitals
    if (extracted.vitals && typeof extracted.vitals === 'object') {
      merged.vitals = merged.vitals || {};
      for (const k of Object.keys(extracted.vitals)) {
        if (extracted.vitals[k] != null && (merged.vitals[k] == null || merged.vitals[k] === '')) {
          merged.vitals[k] = extracted.vitals[k];
        }
      }
    }
    // Append unique diagnoses
    if (Array.isArray(extracted.diagnoses) && extracted.diagnoses.length > 0) {
      merged.diagnoses = merged.diagnoses || [];
      for (const d of extracted.diagnoses) {
        if (d && merged.diagnoses.indexOf(d) === -1) merged.diagnoses.push(d);
      }
    }
    // Append unique procedures
    if (Array.isArray(extracted.procedures) && extracted.procedures.length > 0) {
      merged.procedures = merged.procedures || [];
      for (const p of extracted.procedures) {
        if (p && merged.procedures.indexOf(p) === -1) merged.procedures.push(p);
      }
    }
    // Append follow-up note (concatenate distinct text)
    if (extracted.followup && extracted.followup.trim()) {
      const existing = (merged.followup || '').trim();
      if (!existing.includes(extracted.followup.trim())) {
        merged.followup = existing
          ? existing + '\n\n[+ ' + (meta && meta.kind ? meta.kind : 'document') + '] ' + extracted.followup
          : extracted.followup;
      }
    }
    // Record the document
    merged.documents = merged.documents || [];
    merged.documents.push({
      id: 'doc-' + Date.now().toString(36) + '-' + Math.random().toString(36).slice(2, 6),
      kind: (meta && meta.kind) || inferDocumentKind(extracted, meta && meta.filename),
      title: (meta && meta.title) || extracted.summary || '',
      filename: meta && meta.filename || '',
      filesize_kb: meta && meta.filesize_kb || null,
      date_imported: new Date().toISOString().slice(0, 10),
      ai_summary: extracted.summary || '',
      cost_usd: meta && meta.cost_usd != null ? meta.cost_usd : null,
    });
    merged.updated_at = new Date().toISOString();
    upsertExam(merged);
    // Propagate any newly-upgraded facility/provider names to other
    // exams that hold a less-complete variant of the same clinic.
    canonicalizeNamesAcrossExams();
    return merged;
  }

  // Build a fresh exam from extracted data + document metadata. Returns
  // the new exam record (already inserted).
  function createExamFromExtraction(extracted, meta) {
    const labResults = Array.isArray(extracted.lab_results) ? extracted.lab_results : [];
    // Backfill flag for any rows where the model didn't set one
    for (const lr of labResults) {
      if (!lr.flag && lr.value != null) {
        if (lr.range_high != null && lr.value > lr.range_high) lr.flag = 'high';
        else if (lr.range_low != null && lr.value < lr.range_low) lr.flag = 'low';
        else lr.flag = 'normal';
      }
    }
    const exam = {
      id: 'exam-' + Date.now().toString(36),
      date: extracted.date || new Date().toISOString().slice(0, 10),
      type: extracted.exam_type || 'blood_panel',
      provider: extracted.provider || '',
      facility: extracted.facility || '',
      vitals: extracted.vitals || {},
      lab_results: labResults,
      diagnoses: Array.isArray(extracted.diagnoses) ? extracted.diagnoses : [],
      procedures: Array.isArray(extracted.procedures) ? extracted.procedures : [],
      followup: extracted.followup || '',
      notes: '',
      ai_summary: extracted.summary || '',
      documents: [{
        id: 'doc-' + Date.now().toString(36) + '-' + Math.random().toString(36).slice(2, 6),
        kind: (meta && meta.kind) || inferDocumentKind(extracted, meta && meta.filename),
        title: (meta && meta.title) || extracted.summary || '',
        filename: meta && meta.filename || '',
        filesize_kb: meta && meta.filesize_kb || null,
        date_imported: new Date().toISOString().slice(0, 10),
        ai_summary: extracted.summary || '',
        cost_usd: meta && meta.cost_usd != null ? meta.cost_usd : null,
      }],
      linked_doc_id: null,
      linked_consultation_id: null,
      created_at: new Date().toISOString(),
      updated_at: new Date().toISOString(),
    };
    upsertExam(exam);
    // If this new exam introduces a more-complete bilingual variant of
    // a facility/provider name that other exams already hold in a
    // monolingual form, propagate the upgrade so the user sees a
    // single canonical entry across their history.
    canonicalizeNamesAcrossExams();
    return exam;
  }

  // ====================================================================
  // Module render
  // ====================================================================

  let host = null;
  let listenerSet = false;
  let didInitialCanonicalize = false;

  function render(container) {
    host = container;
    if (!listenerSet) {
      // Re-render on customize / state changes from outside the module.
      listenerSet = true;
    }
    // One-time canonicalization sweep on first render — catches legacy
    // data where a clinic appears in multiple forms across already-saved
    // exams/invoices/episodes. Subsequent uploads keep things tidy via
    // the per-merge hook, so this only fires once per session.
    if (!didInitialCanonicalize) {
      didInitialCanonicalize = true;
      try { canonicalizeNamesAcrossExams(); } catch (_) {}
    }
    container.innerHTML = '';
    container.appendChild(buildHeaderCard());
    container.appendChild(buildTabsBar());
    const tabHost = TB.utils.el('div', { id: 'tb-ht-tab-host' });
    container.appendChild(tabHost);
    renderActiveTab(tabHost);
  }
  function rerender() { if (host) render(host); }

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    const titleRow = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'flex-start', gap: 'var(--tb-sp-3)', flexWrap: 'wrap' },
    });
    titleRow.appendChild(el('div', null,
      el('h1', { style: { margin: 0 } }, '🩺 ' + t('ht.title')),
      el('p', { class: 'tb-card-meta', style: { margin: '4px 0 0' } }, t('ht.subtitle')),
    ));

    // Action buttons row — Import (vision), Export CSV, AI Advisor
    const actions = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)', flexWrap: 'wrap' } });

    // CSV export
    actions.appendChild(el('button', {
      class: 'tb-btn tb-btn--secondary',
      type: 'button',
      style: { fontSize: 'var(--tb-fs-12)' },
      onclick: exportLabsCsv,
    }, '⤓ ' + t('ht.export.csv')));

    // Vision import — only when API key + medical_vision allowed
    const hasKey = TB.ai && TB.ai.hasKey && TB.ai.hasKey();
    const consentOk = TB.ai && typeof TB.ai.isFeatureAllowed === 'function'
      ? TB.ai.isFeatureAllowed('medical_vision') !== false
      : true;
    if (hasKey && consentOk) {
      actions.appendChild(el('button', {
        class: 'tb-btn tb-btn--secondary',
        type: 'button',
        style: { fontSize: 'var(--tb-fs-12)' },
        onclick: openVisionImportModal,
      }, '📎 ' + t('ht.import.vision')));
      actions.appendChild(el('button', {
        class: 'tb-btn tb-btn--secondary',
        type: 'button',
        style: { fontSize: 'var(--tb-fs-12)' },
        onclick: () => openInvoiceVisionImportModal(),
      }, '🧾 ' + t('ht.invoiceImport.btn')));
    }

    // Year-in-Review — annual summary modal. Only shows when there's
    // actually data worth reviewing (≥1 exam or ≥1 dental note).
    const hasYrData = (getExams().length > 0) || ((getDental().notes_log || []).length > 0) ||
      (getInvoices().length > 0);
    if (hasYrData) {
      actions.appendChild(el('button', {
        class: 'tb-btn tb-btn--secondary',
        type: 'button',
        style: { fontSize: 'var(--tb-fs-12)' },
        onclick: openHealthYearInReviewModal,
      }, '📊 ' + t('ht.yir.btn')));
    }

    // AI Advisor — pre-seeds Ask Taigan with exam context
    const askOk = TB.ai && typeof TB.ai.isFeatureAllowed === 'function'
      ? TB.ai.isFeatureAllowed('ask_taigan') !== false
      : true;
    if (askOk && TB.askTaigan && typeof TB.askTaigan.openWithContext === 'function') {
      actions.appendChild(el('button', {
        class: 'tb-btn',
        type: 'button',
        style: { fontSize: 'var(--tb-fs-12)' },
        onclick: openAiAdvisor,
      }, '🧠 ' + t('ht.advisor.btn')));
    }

    titleRow.appendChild(actions);
    card.appendChild(titleRow);
    return card;
  }

  // ─── Tabs ────────────────────────────────────────────────────────

  const TABS = [
    { id: 'dashboard', icon: '📊', label_en: 'Dashboard',       label_jp: 'ダッシュボード' },
    { id: 'labs',      icon: '🧪', label_en: 'Lab Results',     label_jp: '検査結果' },
    { id: 'exams',     icon: '📋', label_en: 'Exam Details',    label_jp: '受診詳細' },
    { id: 'episodes',  icon: '🧭', label_en: 'Care Episodes',   label_jp: 'ケアエピソード' },
    { id: 'care_plan', icon: '🎯', label_en: 'Care Plan',       label_jp: 'ケアプラン' },
    { id: 'meds',      icon: '💊', label_en: 'Meds & Tracking', label_jp: '服薬・追跡' },
    { id: 'dental',    icon: '🦷', label_en: 'Dental',          label_jp: '歯科' },
    { id: 'notes',     icon: '📒', label_en: 'Insurance & Notes', label_jp: '保険・メモ' },
  ];

  function buildTabsBar() {
    const el = TB.utils.el;
    const lang = TB.i18n.getLang();
    const active = getUi().active_tab || 'dashboard';
    const bar = el('div', {
      style: {
        display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-2)',
        padding: 'var(--tb-sp-2) 0',
        marginBottom: 'var(--tb-sp-3)',
        borderBottom: '1px solid var(--tb-border)',
      },
    });
    for (const tab of TABS) {
      const isActive = tab.id === active;
      bar.appendChild(el('button', {
        class: 'tb-btn ' + (isActive ? 'tb-btn--secondary' : 'tb-btn--ghost'),
        type: 'button',
        style: {
          fontSize: 'var(--tb-fs-12)',
          fontWeight: isActive ? '600' : '400',
          borderColor: isActive ? 'var(--tb-track-health)' : 'transparent',
          color: isActive ? 'var(--tb-track-health)' : 'var(--tb-text-soft)',
        },
        onclick: () => { setUiTab(tab.id); rerender(); },
      }, tab.icon + ' ' + (lang === 'ja' ? tab.label_jp : tab.label_en)));
    }
    return bar;
  }

  function renderActiveTab(tabHost) {
    const active = getUi().active_tab || 'dashboard';
    if (active === 'dashboard') return renderDashboardTab(tabHost);
    if (active === 'labs')      return renderLabsTab(tabHost);
    if (active === 'exams')     return renderExamsTab(tabHost);
    if (active === 'episodes')  return renderEpisodesTab(tabHost);
    if (active === 'care_plan') return renderCarePlanTab(tabHost);
    if (active === 'meds')      return renderMedsTab(tabHost);
    if (active === 'dental')    return renderDentalTab(tabHost);
    if (active === 'notes')     return renderNotesTab(tabHost);
    return renderDashboardTab(tabHost);
  }

  // ====================================================================
  // Tab: Dashboard
  // ====================================================================

  function renderDashboardTab(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const exams = getExams();
    if (exams.length === 0) {
      tabHost.appendChild(buildEmptyState());
      return;
    }
    const latest = latestExam();
    const physical = latestExamOfType('physical');
    // Smarter "last blood panel" — uses content detection so a
    // physical that includes CBC/CMP/lipid values counts. Falls back
    // to the strict type='blood_panel' lookup if no physical-with-labs
    // matches. The latter rarely happens (standalone lab draws are
    // typically filed as 'blood_panel' explicitly).
    const bloodPanel = latestExamWithBloodPanel() || latestExamOfType('blood_panel');
    const meds = activeMeds();
    const screenings = computeScreeningsDue();
    // "Overdue" excludes 'never' — those haven't been recorded, so we
    // can't honestly call them overdue. The setup banner in Care Plan
    // nudges users to fill in last_done dates.
    const overdueScreenings = screenings.filter((s) => s.status === 'critical' || s.status === 'due');
    // Show the sex/age setup banner if neither is set — surfaces on
    // Dashboard so the first thing the user does is filter the library.
    if (!computeUserSex() || computeAge() == null) {
      tabHost.appendChild(buildSetupBanner());
    }

    // Top tile strip
    const tiles = el('div', {
      style: {
        display: 'grid',
        gridTemplateColumns: 'repeat(auto-fit, minmax(200px, 1fr))',
        gap: 'var(--tb-sp-3)',
        marginBottom: 'var(--tb-sp-3)',
      },
    });
    tiles.appendChild(statTile(
      t('ht.dash.lastExam'),
      latest ? latest.date : '—',
      latest && latest.type ? examTypeLabel(latest.type) : '',
      latest && daysSince(latest.date) > 365 ? 'var(--tb-warn)' : null,
    ));
    tiles.appendChild(statTile(
      t('ht.dash.lastPhysical'),
      physical ? physical.date : '—',
      physical ? t('ht.dash.daysAgo', { n: daysSince(physical.date) }) : t('ht.dash.never'),
      !physical || daysSince(physical.date) > 365 ? 'var(--tb-warn)' : 'var(--tb-success)',
    ));
    // Blood panel tile: when the source isn't a standalone blood
    // panel exam (i.e., it's a physical that included labs), surface
    // that context in the subtitle — "via Annual physical · 200d ago" —
    // so the user understands why the date matches their physical.
    let bpSub;
    if (!bloodPanel) {
      bpSub = t('ht.dash.never');
    } else {
      const days = daysSince(bloodPanel.date);
      const labCount = (bloodPanel.lab_results || []).filter((lr) => isBloodPanelLab(lr && lr.name)).length;
      const sourcePrefix = bloodPanel.type !== 'blood_panel'
        ? t('ht.dash.via', { type: examTypeLabel(bloodPanel.type) }) + ' · '
        : '';
      bpSub = sourcePrefix + t('ht.dash.daysAgo', { n: days }) +
        (labCount > 0 ? ' · ' + labCount + ' ' + t('ht.dash.bloodLabs') : '');
    }
    tiles.appendChild(statTile(
      t('ht.dash.lastBloodPanel'),
      bloodPanel ? bloodPanel.date : '—',
      bpSub,
      !bloodPanel || daysSince(bloodPanel.date) > 365 ? 'var(--tb-warn)' : null,
    ));
    tiles.appendChild(statTile(
      t('ht.dash.activeMeds'),
      String(meds.length),
      meds.length > 0 ? meds.slice(0, 2).map((m) => m.name).join(', ') + (meds.length > 2 ? '…' : '') : t('ht.dash.none'),
    ));
    tiles.appendChild(statTile(
      t('ht.dash.screeningsDue'),
      String(overdueScreenings.length),
      overdueScreenings.length === 0 ? t('ht.dash.allCurrent') :
        overdueScreenings.slice(0, 2).map((s) => TB.i18n.getLang() === 'ja' ? s.label_jp : s.label_en).join(', ') +
        (overdueScreenings.length > 2 ? '…' : ''),
      overdueScreenings.length > 0 ? 'var(--tb-warn)' : 'var(--tb-success)',
    ));
    tabHost.appendChild(tiles);

    // Vitals trend section
    const allTests = allLabTests();
    if (allTests.length > 0) {
      const trendCard = el('div', { class: 'tb-card', 'data-track': 'health' });
      trendCard.appendChild(el('h2', { style: { marginTop: 0 } }, '📈 ' + t('ht.dash.trends')));
      trendCard.appendChild(el('p', { class: 'tb-card-meta' }, t('ht.dash.trends.intro')));
      const grid = el('div', {
        style: {
          display: 'grid',
          gridTemplateColumns: 'repeat(auto-fit, minmax(240px, 1fr))',
          gap: 'var(--tb-sp-2)',
          marginTop: 'var(--tb-sp-2)',
        },
      });
      // Take up to 6 tests (prioritize abnormal-most-recent)
      for (const tst of allTests.slice(0, 6)) {
        grid.appendChild(buildTrendMiniCard(tst));
      }
      trendCard.appendChild(grid);
      if (allTests.length > 6) {
        trendCard.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-2)' } },
          t('ht.dash.trends.more', { n: allTests.length - 6 }) +
          ' — ',
          el('a', {
            href: '#',
            style: { color: 'var(--tb-track-health)' },
            onclick: (e) => { e.preventDefault(); setUiTab('labs'); rerender(); },
          }, t('ht.dash.trends.viewAll'))));
      }
      tabHost.appendChild(trendCard);
    }

    // Screenings due summary
    if (overdueScreenings.length > 0) {
      const screenCard = el('div', { class: 'tb-card', 'data-track': 'health' });
      screenCard.appendChild(el('h2', { style: { marginTop: 0 } }, '⚠ ' + t('ht.dash.screeningsTitle')));
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-1)' } });
      for (const s of overdueScreenings.slice(0, 5)) {
        const isCritical = s.status === 'critical';
        list.appendChild(el('div', {
          style: {
            padding: 'var(--tb-sp-2) var(--tb-sp-3)',
            borderLeft: '3px solid ' + (isCritical ? 'var(--tb-error)' : 'var(--tb-warn)'),
            background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          },
        },
          el('div', { style: { fontWeight: '600' } },
            (TB.i18n.getLang() === 'ja' ? s.label_jp : s.label_en) + ' — ' +
            (isCritical ? t('ht.dash.critical', { d: s.overdue_days }) : t('ht.dash.dueNow'))),
          el('div', { class: 'tb-card-meta' },
            t('ht.dash.lastDone') + ': ' + (s.last_done || t('ht.dash.never'))),
        ));
      }
      screenCard.appendChild(list);
      if (overdueScreenings.length > 5) {
        screenCard.appendChild(el('a', {
          href: '#',
          style: { color: 'var(--tb-track-health)', fontSize: 'var(--tb-fs-12)', marginTop: 'var(--tb-sp-2)', display: 'inline-block' },
          onclick: (e) => { e.preventDefault(); setUiTab('care_plan'); rerender(); },
        }, t('ht.dash.viewAllScreenings', { n: overdueScreenings.length })));
      }
      tabHost.appendChild(screenCard);
    }

    // AI summary card — surfaces ai_summary from the latest exam if set
    if (latest && latest.ai_summary) {
      tabHost.appendChild(el('div', {
        class: 'tb-card', 'data-track': 'health',
        style: { borderLeft: '3px solid var(--tb-track-ai)' },
      },
        el('h3', { style: { marginTop: 0 } }, '🧠 ' + t('ht.dash.aiSummary')),
        el('p', { style: { margin: '0 0 var(--tb-sp-2)' } }, latest.ai_summary),
        el('div', { class: 'tb-card-meta' }, t('ht.dash.aiSummary.from', { date: latest.date })),
      ));
    }
  }

  function statTile(label, value, sub, color) {
    const el = TB.utils.el;
    return el('div', {
      class: 'tb-card', 'data-track': 'health',
      style: { padding: 'var(--tb-sp-3)', margin: 0 },
    },
      el('div', { style: { fontSize: '11px', textTransform: 'uppercase', letterSpacing: '0.04em', color: 'var(--tb-text-soft)', fontWeight: '600' } }, label),
      el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700', fontSize: 'var(--tb-fs-22)', color: color || 'var(--tb-text)', marginTop: '4px' } }, value),
      sub ? el('div', { class: 'tb-card-meta', style: { marginTop: '2px', fontSize: 'var(--tb-fs-12)' } }, sub) : null,
    );
  }

  function buildTrendMiniCard(test) {
    const el = TB.utils.el;
    const series = trendForLabTest(test.name);
    const tile = el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)',
        border: '1px solid var(--tb-border)',
        borderRadius: 'var(--tb-radius-2)',
      },
    });
    const flagColor = test.latest_flag === 'critical' ? 'var(--tb-error)'
                    : test.latest_flag === 'high' ? 'var(--tb-warn)'
                    : test.latest_flag === 'low' ? 'var(--tb-warn)'
                    : 'var(--tb-text)';
    tile.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' },
    },
      el('span', { style: { fontWeight: '600', fontSize: 'var(--tb-fs-12)' } }, test.name),
      el('span', { style: { color: flagColor, fontFamily: 'var(--tb-font-mono)', fontWeight: '700', fontSize: 'var(--tb-fs-14)' } },
        (test.latest_value != null ? test.latest_value : '—') +
        (test.unit ? ' ' + test.unit : '')),
    ));
    if (test.range_low != null || test.range_high != null) {
      tile.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: '10px' } },
        'ref ' + formatLabRange(test.range_low, test.range_high)));
    }
    if (series.length >= 2) {
      tile.appendChild(buildSparkline(series, { title: test.name }));
    }
    tile.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: '10px', marginTop: '2px' } },
      test.latest_date + ' · ' + test.count + ' reading' + (test.count > 1 ? 's' : '')));
    return tile;
  }

  // Vanilla-SVG sparkline. Width auto-fits to container; height fixed.
  // Hovering surfaces a popover with the exam-by-exam value list — the
  // SVG itself is wrapped in a span so the popover can anchor to a DOM
  // node (popover positioning uses getBoundingClientRect which works
  // fine on SVG, but the span gives us a stable hover surface that
  // covers any whitespace inside the SVG too).
  function buildSparkline(series, opts) {
    opts = opts || {};
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const W = 200, H = 36;
    const values = series.map((s) => s.value).filter((v) => typeof v === 'number' && isFinite(v));
    if (values.length < 2) return el('div');
    const min = Math.min.apply(null, values);
    const max = Math.max.apply(null, values);
    const range = max - min || 1;
    const xFor = (i) => 4 + (i / Math.max(1, values.length - 1)) * (W - 8);
    const yFor = (v) => H - 4 - ((v - min) / range) * (H - 8);
    const svgNS = 'http://www.w3.org/2000/svg';
    const svg = document.createElementNS(svgNS, 'svg');
    svg.setAttribute('viewBox', '0 0 ' + W + ' ' + H);
    svg.setAttribute('width', '100%');
    svg.setAttribute('height', H);
    svg.style.display = 'block';
    svg.style.marginTop = '4px';

    // Polyline
    const points = values.map((v, i) => xFor(i).toFixed(1) + ',' + yFor(v).toFixed(1)).join(' ');
    const poly = document.createElementNS(svgNS, 'polyline');
    poly.setAttribute('points', points);
    poly.setAttribute('fill', 'none');
    poly.setAttribute('stroke', 'var(--tb-track-health)');
    poly.setAttribute('stroke-width', '1.5');
    poly.setAttribute('stroke-linejoin', 'round');
    svg.appendChild(poly);

    // Dots, colored by flag at each point. Each gets a native SVG
    // <title> for per-point native tooltips (covers the "tap on phone"
    // case where the hover popover doesn't trigger).
    series.forEach((s, i) => {
      const v = s.value;
      if (typeof v !== 'number' || !isFinite(v)) return;
      const dot = document.createElementNS(svgNS, 'circle');
      dot.setAttribute('cx', xFor(i));
      dot.setAttribute('cy', yFor(v));
      dot.setAttribute('r', i === values.length - 1 ? 2.5 : 1.8);
      const color = s.flag === 'critical' ? 'var(--tb-error)'
                  : s.flag === 'high' || s.flag === 'low' ? 'var(--tb-warn)'
                  : 'var(--tb-track-health)';
      dot.setAttribute('fill', color);
      const title = document.createElementNS(svgNS, 'title');
      title.textContent = (s.date || '?') + ': ' +
        v + (s.unit ? ' ' + s.unit : '') +
        (s.flag && s.flag !== 'normal' ? ' (' + s.flag + ')' : '');
      dot.appendChild(title);
      svg.appendChild(dot);
    });

    // Wrap in a span so the hover popover has a non-SVG anchor node.
    const wrapper = el('span', {
      tabindex: '0',
      style: {
        display: 'inline-block', width: '100%', cursor: 'help',
        outline: 'none',
      },
    });
    wrapper.appendChild(svg);

    // Hover popover with full date+value list
    attachHoverPopover(wrapper, (pop) => {
      pop.appendChild(el('div', {
        style: { fontWeight: '600', marginBottom: '6px',
          fontSize: '11px', textTransform: 'uppercase', letterSpacing: '0.04em',
          color: 'var(--tb-text-soft)' },
      }, opts.title || t('ht.labs.sparkline.title')));
      const table = el('table', { style: { borderCollapse: 'collapse', fontSize: 'var(--tb-fs-12)' } });
      for (const s of series) {
        const tr = el('tr');
        tr.appendChild(el('td', { style: { padding: '2px 8px 2px 0', color: 'var(--tb-text-soft)', fontFamily: 'var(--tb-font-mono)' } },
          s.date || '?'));
        const valCell = el('td', { style: { padding: '2px 0', fontFamily: 'var(--tb-font-mono)', textAlign: 'right' } },
          (s.value != null ? s.value : '—') + (s.unit ? ' ' + s.unit : ''));
        if (s.flag === 'critical' || s.flag === 'high' || s.flag === 'low') {
          valCell.style.color = s.flag === 'critical' ? 'var(--tb-error)' : 'var(--tb-warn)';
          valCell.style.fontWeight = '600';
        }
        tr.appendChild(valCell);
        tr.appendChild(el('td', { style: { padding: '2px 0 2px 8px', fontSize: '10px', color: 'var(--tb-text-soft)' } },
          s.flag === 'normal' ? '' : (s.flag || '')));
        table.appendChild(tr);
      }
      pop.appendChild(table);
    });
    return wrapper;
  }

  function buildEmptyState() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '👋 ' + t('ht.empty.title')));
    card.appendChild(el('p', null, t('ht.empty.body')));
    const btnRow = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)', flexWrap: 'wrap', marginTop: 'var(--tb-sp-2)' } });
    btnRow.appendChild(el('button', {
      class: 'tb-btn',
      type: 'button',
      onclick: () => openExamEditModal(null),
    }, '+ ' + t('ht.empty.addExam')));
    const hasKey = TB.ai && TB.ai.hasKey && TB.ai.hasKey();
    if (hasKey) {
      btnRow.appendChild(el('button', {
        class: 'tb-btn tb-btn--secondary',
        type: 'button',
        onclick: openVisionImportModal,
      }, '📎 ' + t('ht.empty.import')));
    }
    card.appendChild(btnRow);
    return card;
  }

  // ====================================================================
  // Tab: Lab Results
  // ====================================================================

  function renderLabsTab(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const tests = allLabTests();
    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🧪 ' + t('ht.labs.title')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('ht.labs.intro')));

    if (tests.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('ht.labs.empty')));
      tabHost.appendChild(card);
      return;
    }

    // ─── Group tests by clinical panel ─────────────────────────
    // Walk LAB_GROUPS in display order; for each, gather the user's
    // tests that belong. Tests not in any group go into an implicit
    // "Other" bucket rendered last. Each group renders as a
    // collapsible <details> block so the user can fold panels they
    // don't care about.
    const byGroup = {};
    const ungrouped = [];
    for (const tst of tests) {
      const gid = LAB_TEST_GROUP[tst.name];
      if (gid) {
        if (!byGroup[gid]) byGroup[gid] = [];
        byGroup[gid].push(tst);
      } else {
        ungrouped.push(tst);
      }
    }

    // Within each group, preserve LAB_GROUPS test order (clinically
    // meaningful — e.g., Hgb before Hct before RBC). Tests we recognize
    // but the user doesn't have are silently skipped.
    for (const g of LAB_GROUPS) {
      const groupTests = byGroup[g.id] || [];
      if (groupTests.length === 0) continue;
      const order = g.tests;
      groupTests.sort((a, b) => order.indexOf(a.name) - order.indexOf(b.name));
      card.appendChild(buildLabGroupPanel(g, groupTests));
    }

    // "Other" — tests outside any defined group
    if (ungrouped.length > 0) {
      // Sort abnormal-first then alphabetical inside the Other panel
      ungrouped.sort((a, b) => {
        const aBad = (a.latest_flag === 'critical' || a.latest_flag === 'high' || a.latest_flag === 'low') ? 0 : 1;
        const bBad = (b.latest_flag === 'critical' || b.latest_flag === 'high' || b.latest_flag === 'low') ? 0 : 1;
        if (aBad !== bBad) return aBad - bBad;
        return a.name.localeCompare(b.name);
      });
      card.appendChild(buildLabGroupPanel(
        { id: 'other', icon: '📋' },
        ungrouped
      ));
    }

    // Show a small legend when any row collapsed multiple names or
    // showed range variance — keeps users from puzzling at the ⇄ / *.
    const hasAliases = tests.some((x) => x.raw_names && x.raw_names.length > 1);
    const hasRangeVariance = tests.some((x) => x.range_varies);
    const hasInfo = tests.some((x) => getLabInfoFor(x.name) || x.method_note_key);
    if (hasAliases || hasRangeVariance || hasInfo) {
      const bits = [];
      if (hasInfo) bits.push('ⓘ ' + t('ht.labs.legend.info'));
      if (hasAliases) bits.push('⇄ ' + t('ht.labs.legend.alias'));
      if (hasRangeVariance) bits.push('* ' + t('ht.labs.legend.rangeVaries'));
      card.appendChild(el('p', {
        class: 'tb-field-help',
        style: { marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)' },
      }, bits.join(' · ')));
    }
    tabHost.appendChild(card);
  }

  // Build one collapsible panel for a clinical group.
  // Header shows: icon + label + (N tests · X abnormal indicator).
  // Body is the standard 6-column Lab Results table, scoped to this
  // group's tests.
  function buildLabGroupPanel(group, groupTests) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    // Count abnormal tests for the header summary
    const abnormalCount = groupTests.filter((x) =>
      x.latest_flag === 'critical' || x.latest_flag === 'high' || x.latest_flag === 'low'
    ).length;
    const criticalCount = groupTests.filter((x) => x.latest_flag === 'critical').length;

    // Determine header accent color from worst flag in group
    const headerColor = criticalCount > 0 ? 'var(--tb-error)'
                      : abnormalCount > 0 ? 'var(--tb-warn)'
                      : 'var(--tb-success)';

    // Auto-collapse fully-normal groups — keep abnormal panels open so
    // the user's attention lands on what needs follow-up.
    const startOpen = abnormalCount > 0;

    const details = el('details', {
      ...(startOpen ? { open: 'open' } : {}),
      style: {
        marginTop: 'var(--tb-sp-3)',
        borderLeft: '3px solid ' + headerColor,
        borderRadius: 'var(--tb-radius-2)',
        background: 'var(--tb-bg)',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
      },
    });

    const groupLabel = t('ht.labs.group.' + group.id);
    const summary = el('summary', {
      style: {
        cursor: 'pointer', display: 'flex', alignItems: 'center',
        gap: 'var(--tb-sp-2)', fontWeight: '600', flexWrap: 'wrap',
        padding: '4px 0',
      },
    });
    summary.appendChild(el('span', { style: { fontSize: '16px' } }, group.icon || '📋'));
    summary.appendChild(el('span', null, groupLabel));
    summary.appendChild(el('span', {
      class: 'tb-card-meta',
      style: { fontSize: '11px', fontWeight: '400' },
    }, '· ' + t('ht.labs.group.count', { n: groupTests.length })));
    if (abnormalCount > 0) {
      summary.appendChild(el('span', {
        style: {
          fontSize: '10px', padding: '1px 8px', borderRadius: 'var(--tb-radius-pill)',
          background: headerColor + '22', color: headerColor,
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase',
        },
      }, abnormalCount + ' ' + t('ht.labs.group.abnormal')));
    }
    details.appendChild(summary);

    const table = el('table', {
      style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-14)', marginTop: 'var(--tb-sp-2)' },
    });
    table.appendChild(el('thead', null,
      el('tr', null,
        thTd(t('ht.labs.col.test'), true),
        thTd(t('ht.labs.col.latest'), true, 'right'),
        thTd(t('ht.labs.col.range'), true, 'right'),
        thTd(t('ht.labs.col.flag'), true, 'center'),
        thTd(t('ht.labs.col.readings'), true, 'right'),
        thTd(t('ht.labs.col.trend'), true, 'left'),
      ),
    ));
    const tbody = el('tbody');
    for (const tst of groupTests) tbody.appendChild(buildLabRow(tst));
    table.appendChild(tbody);
    details.appendChild(table);
    return details;
  }

  // Single Lab Results row. Extracted so both the grouped Labs tab
  // and any future per-exam lab view can share the same row layout.
  function buildLabRow(tst) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const series = trendForLabTest(tst.name);
    const flagColor = tst.latest_flag === 'critical' ? 'var(--tb-error)'
                    : tst.latest_flag === 'high' ? 'var(--tb-warn)'
                    : tst.latest_flag === 'low' ? 'var(--tb-warn)'
                    : 'var(--tb-success)';
    const flagBadge = el('span', {
      style: {
        padding: '1px 8px', borderRadius: 'var(--tb-radius-pill)',
        background: flagColor + '22', color: flagColor,
        fontSize: '10px', fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase',
      },
    }, tst.latest_flag || 'normal');
      // Test-name cell — when multiple raw-name variants collapsed
      // into this canonical, show a small ⇄ indicator. Hover opens a
      // popover listing the merged stored names with per-name counts
      // so the user can audit what was combined.
      const nameCell = el('span', null, el('strong', null, tst.name));
      // Combined info popover — one ⓘ that surfaces:
      //   • What the test measures
      //   • Why it matters (clinical significance)
      //   • Common high/low implications
      //   • Method-variance note (when applicable)
      //   • Footer disclaimer pointing to a doctor
      // Renders when there's any info (built-in or AI-generated override)
      // OR a method note exists.
      const labInfo = getLabInfoFor(tst.name);
      if (labInfo || tst.method_note_key) {
        const isAiInfo = !!(labInfo && labInfo.ai_generated);
        const infoBadge = el('span', {
          tabindex: '0',
          style: {
            marginLeft: '4px', fontSize: '12px', color: 'var(--tb-track-ai)',
            cursor: 'help', outline: 'none',
          },
        }, 'ⓘ');
        attachHoverPopover(infoBadge, (pop) => {
          const lang = TB.i18n.getLang() === 'ja' ? 'jp' : 'en';
          const info = labInfo && (labInfo[lang] || labInfo.en);
          // Title row — test name + small AI badge when override sourced.
          const titleRow = el('div', {
            style: { display: 'flex', alignItems: 'center', gap: '8px', marginBottom: '6px', flexWrap: 'wrap' },
          });
          titleRow.appendChild(el('span', {
            style: { fontWeight: '700', fontSize: 'var(--tb-fs-14)' },
          }, tst.name));
          if (isAiInfo) {
            titleRow.appendChild(el('span', {
              style: { fontSize: '9px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
                background: 'rgba(46, 107, 92, 0.14)', color: 'var(--tb-track-ai)',
                fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
              title: t('ht.labs.info.aiGenerated.help'),
            }, '✨ ' + t('ht.labs.info.aiGenerated')));
          }
          pop.appendChild(titleRow);
          if (info) {
            if (info.what) {
              pop.appendChild(el('div', {
                style: { fontSize: '10px', fontWeight: '700', textTransform: 'uppercase',
                  letterSpacing: '0.04em', color: 'var(--tb-text-soft)', marginTop: '6px' },
              }, t('ht.labs.info.what')));
              pop.appendChild(el('div', { style: { marginTop: '2px' } }, info.what));
            }
            if (info.why) {
              pop.appendChild(el('div', {
                style: { fontSize: '10px', fontWeight: '700', textTransform: 'uppercase',
                  letterSpacing: '0.04em', color: 'var(--tb-text-soft)', marginTop: '6px' },
              }, t('ht.labs.info.why')));
              pop.appendChild(el('div', { style: { marginTop: '2px' } }, info.why));
            }
            if (info.high) {
              pop.appendChild(el('div', {
                style: { fontSize: '10px', fontWeight: '700', textTransform: 'uppercase',
                  letterSpacing: '0.04em', color: 'var(--tb-warn)', marginTop: '6px' },
              }, t('ht.labs.info.high')));
              pop.appendChild(el('div', { style: { marginTop: '2px' } }, info.high));
            }
            if (info.low) {
              pop.appendChild(el('div', {
                style: { fontSize: '10px', fontWeight: '700', textTransform: 'uppercase',
                  letterSpacing: '0.04em', color: 'var(--tb-warn)', marginTop: '6px' },
              }, t('ht.labs.info.low')));
              pop.appendChild(el('div', { style: { marginTop: '2px' } }, info.low));
            }
          }
          // Method note
          if (tst.method_note_key) {
            pop.appendChild(el('div', {
              style: { fontSize: '10px', fontWeight: '700', textTransform: 'uppercase',
                letterSpacing: '0.04em', color: 'var(--tb-track-ai)', marginTop: '6px' },
            }, '⚖ ' + t('ht.labs.methodNote.title')));
            pop.appendChild(el('div', { style: { marginTop: '2px' } },
              t('ht.labs.methodNote.' + tst.method_note_key)));
          }
          // Disclaimer
          pop.appendChild(el('div', {
            style: { marginTop: '10px', paddingTop: '8px',
              borderTop: '1px dashed var(--tb-border)',
              fontSize: '10px', fontStyle: 'italic', color: 'var(--tb-text-soft)' },
          }, t('ht.labs.info.disclaimer')));
        });
        nameCell.appendChild(infoBadge);
      }
      if (tst.raw_names && tst.raw_names.length > 1) {
        const aliasBadge = el('span', {
          tabindex: '0',
          style: {
            marginLeft: '6px', fontSize: '10px',
            padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
            background: 'rgba(46, 107, 92, 0.10)', color: 'var(--tb-track-ai)',
            fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase',
            cursor: 'help', outline: 'none',
          },
        }, '⇄ ' + t('ht.labs.aliasBadge', { n: tst.raw_names.length }));
        attachHoverPopover(aliasBadge, (pop) => {
          pop.appendChild(el('div', {
            style: { fontWeight: '600', marginBottom: '6px',
              fontSize: '11px', textTransform: 'uppercase', letterSpacing: '0.04em',
              color: 'var(--tb-text-soft)' },
          }, t('ht.labs.aliasHover')));
          const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '2px' } });
          // tst.raw_names is sorted by count desc. We don't have the
          // counts here directly, so re-derive from the live exam
          // data so the popover shows up-to-date numbers.
          const counts = {};
          for (const e of getExams()) {
            for (const lr of (e.lab_results || [])) {
              const raw = String(lr.name || '').trim();
              if (!raw) continue;
              if (tst.raw_names.indexOf(raw) >= 0) {
                counts[raw] = (counts[raw] || 0) + 1;
              }
            }
          }
          for (const name of tst.raw_names) {
            list.appendChild(el('div', {
              style: { display: 'flex', justifyContent: 'space-between', gap: '12px' },
            },
              el('span', null, '• ' + name),
              el('span', { class: 'tb-card-meta', style: { fontFamily: 'var(--tb-font-mono)' } },
                (counts[name] || 0) + '×'),
            ));
          }
          pop.appendChild(list);
        });
        nameCell.appendChild(aliasBadge);
      }

      // Range cell — when distinct ranges appear across reports
      // (different labs publish different reference intervals),
      // show the most-recent as primary and a popover listing variants.
      const rangeCell = el('span', { class: 'tb-card-meta', style: { fontFamily: 'var(--tb-font-mono)' } },
        formatLabRange(tst.range_low, tst.range_high)
      );
      if (tst.range_varies) {
        const varBadge = el('span', {
          tabindex: '0',
          style: {
            marginLeft: '4px', fontSize: '10px', color: 'var(--tb-text-soft)',
            cursor: 'help', outline: 'none',
          },
        }, '*');
        attachHoverPopover(varBadge, (pop) => {
          pop.appendChild(el('div', {
            style: { fontWeight: '600', marginBottom: '6px',
              fontSize: '11px', textTransform: 'uppercase', letterSpacing: '0.04em',
              color: 'var(--tb-text-soft)' },
          }, t('ht.labs.rangeVariesHover')));
          const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '2px' } });
          for (const r of tst.range_variants) {
            list.appendChild(el('div', { style: { fontFamily: 'var(--tb-font-mono)' } }, '• ' + r));
          }
          pop.appendChild(list);
        });
        rangeCell.appendChild(varBadge);
      }

    return el('tr', null,
      thTd(nameCell),
      thTd(el('span', { style: { fontFamily: 'var(--tb-font-mono)' } },
        (tst.latest_value != null ? tst.latest_value : '—') + (tst.unit ? ' ' + tst.unit : '')
      ), false, 'right'),
      thTd(rangeCell, false, 'right'),
      thTd(flagBadge, false, 'center'),
      thTd(String(tst.count), false, 'right'),
      thTd(series.length >= 2 ? buildSparkline(series, { title: tst.name }) : el('span', { class: 'tb-card-meta' }, '—'), false, 'left'),
    );
  }

  function thTd(content, isHeader, align) {
    const el = TB.utils.el;
    const tag = isHeader ? 'th' : 'td';
    return el(tag, {
      style: {
        padding: '6px 8px', textAlign: align || 'left',
        borderBottom: isHeader ? '1px solid var(--tb-border)' : '1px dashed var(--tb-border)',
        fontSize: isHeader ? '10px' : 'inherit',
        fontWeight: isHeader ? '600' : 'normal',
        textTransform: isHeader ? 'uppercase' : 'none',
        letterSpacing: isHeader ? '0.04em' : 'normal',
        color: isHeader ? 'var(--tb-text-soft)' : 'inherit',
      },
    }, content);
  }

  // ====================================================================
  // Tab: Exam Details
  // ====================================================================

  function renderExamsTab(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const exams = getExams();
    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
    },
      el('h2', { style: { margin: 0 } }, '📋 ' + t('ht.exams.title')),
      el('button', {
        class: 'tb-btn',
        type: 'button',
        onclick: () => openExamEditModal(null),
      }, '+ ' + t('ht.exams.add')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('ht.exams.intro')));

    if (exams.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('ht.exams.empty')));
      tabHost.appendChild(card);
      return;
    }

    const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)' } });
    for (const e of exams) {
      list.appendChild(buildExamRow(e));
    }
    card.appendChild(list);
    tabHost.appendChild(card);
  }

  function buildExamRow(exam) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const flagged = (exam.lab_results || []).filter((lr) => lr.flag && lr.flag !== 'normal').length;
    const docCount = (exam.documents || []).length;
    const row = el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)',
        borderLeft: '3px solid ' + (flagged > 0 ? 'var(--tb-warn)' : 'var(--tb-track-health)'),
        borderRadius: 'var(--tb-radius-1)',
        cursor: 'pointer',
        display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
      },
      onclick: () => openExamEditModal(exam),
    });
    const titleLine = el('div', { style: { fontWeight: '600', display: 'flex', alignItems: 'center', gap: '8px', flexWrap: 'wrap' } },
      el('span', null, examTypeLabel(exam.type) + ' · ' + (exam.date || '—')),
    );
    // Document count badge — surfaces the multi-doc-per-exam pattern.
    // Only shows when more than one doc is attached (single-doc is the
    // default and doesn't need calling out).
    if (docCount > 1) {
      titleLine.appendChild(el('span', {
        style: { fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(46, 107, 92, 0.12)', color: 'var(--tb-track-ai)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, '📎 ' + docCount + ' ' + t('ht.exams.row.docs')));
    }
    row.appendChild(el('div', null,
      titleLine,
      el('div', { class: 'tb-card-meta', style: { marginTop: '2px' } },
        (exam.provider || '') +
        (exam.facility ? ' · ' + exam.facility : '') +
        ((exam.lab_results || []).length > 0 ? ' · ' + (exam.lab_results.length) + ' lab(s)' : '') +
        (flagged > 0 ? ' · ' + flagged + ' flagged' : '')),
    ));
    row.appendChild(el('span', { class: 'tb-card-meta', style: { fontFamily: 'var(--tb-font-mono)', fontSize: '11px' } },
      exam.date ? t('ht.dash.daysAgo', { n: daysSince(exam.date) }) : ''));
    return row;
  }

  function examTypeLabel(typeId) {
    const lang = TB.i18n.getLang();
    const t = EXAM_TYPES.find((e) => e.id === typeId);
    if (!t) return typeId || '';
    return lang === 'ja' ? t.label_jp : t.label_en;
  }

  // ====================================================================
  // Tab: Care Plan
  // ====================================================================

  // ─── Sex / age setup banner ─────────────────────────────────────
  // When the user hasn't told us their biological sex or birth year,
  // the screening library is unfiltered — we show every screening
  // (mammogram, pap smear, prostate PSA, AAA ultrasound). This banner
  // is the prompt to set both so the list filters to what's relevant.
  // The data lives in health_tracker.preferences and ALSO in
  // onboarding.answers if the user filled it there; either source
  // works.
  function buildSetupBanner() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', {
      class: 'tb-card', 'data-track': 'health',
      style: {
        borderLeft: '4px solid var(--tb-warn)',
        background: 'rgba(185, 122, 26, 0.08)',
      },
    });
    card.appendChild(el('div', {
      style: { fontWeight: '600', color: 'var(--tb-warn)', marginBottom: '4px' },
    }, '⚙ ' + t('ht.setup.title')));
    card.appendChild(el('p', {
      class: 'tb-card-meta', style: { margin: '0 0 var(--tb-sp-3)' },
    }, t('ht.setup.body')));

    const row = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(180px, 1fr))', gap: 'var(--tb-sp-3)' },
    });

    // Sex picker
    const prefs = TB.state.get('health_tracker.preferences') || {};
    const curSex = computeUserSex();
    const sexSel = el('select', {
      class: 'tb-select',
      onchange: (e) => {
        const v = e.target.value || null;
        const p = TB.state.get('health_tracker.preferences') || {};
        p.sex = v;
        TB.state.set('health_tracker.preferences', p);
        rerender();
      },
    },
      el('option', { value: '', selected: !curSex }, t('ht.setup.sex.choose')),
      el('option', { value: 'female', selected: curSex === 'female' }, t('ht.setup.sex.female')),
      el('option', { value: 'male', selected: curSex === 'male' }, t('ht.setup.sex.male')),
      el('option', { value: 'other', selected: curSex === 'other' }, t('ht.setup.sex.other')),
      el('option', { value: 'prefer_not_to_say', selected: curSex === 'prefer_not_to_say' }, t('ht.setup.sex.private')),
    );
    row.appendChild(el('div', null,
      el('label', { class: 'tb-field-label' }, t('ht.setup.sex.label')),
      sexSel,
      el('div', { class: 'tb-field-help' }, t('ht.setup.sex.help')),
    ));

    // Birth year input
    const curAge = computeAge();
    const curBy = TB.state.get('onboarding.answers.birth_year') ||
                  (prefs && prefs.age ? new Date().getFullYear() - prefs.age : '');
    const byInput = el('input', {
      type: 'number', class: 'tb-input',
      min: 1900, max: new Date().getFullYear() - 1,
      value: curBy || '',
      placeholder: 'e.g., 1980',
      onchange: (e) => {
        const v = parseInt(e.target.value, 10);
        if (!isFinite(v) || v < 1900 || v > new Date().getFullYear() - 1) return;
        // Write both onboarding (so other modules can read) and prefs
        const ans = TB.state.get('onboarding.answers') || {};
        ans.birth_year = v;
        TB.state.set('onboarding.answers', ans);
        const p = TB.state.get('health_tracker.preferences') || {};
        p.age = new Date().getFullYear() - v;
        TB.state.set('health_tracker.preferences', p);
        rerender();
      },
    });
    row.appendChild(el('div', null,
      el('label', { class: 'tb-field-label' }, t('ht.setup.birthYear.label')),
      byInput,
      el('div', { class: 'tb-field-help' },
        t('ht.setup.birthYear.help') +
        (curAge != null ? ' · ' + t('ht.setup.birthYear.age', { age: curAge }) : '')),
    ));

    card.appendChild(row);
    return card;
  }

  function renderCarePlanTab(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const cp = getCarePlan();
    const lang = TB.i18n.getLang();

    // Setup banner first — same as Dashboard, but Care Plan is where
    // the screening filtering actually shows its effect.
    if (!computeUserSex() || computeAge() == null) {
      tabHost.appendChild(buildSetupBanner());
    }

    // Preventive screenings
    const screeningsCard = el('div', { class: 'tb-card', 'data-track': 'health' });
    screeningsCard.appendChild(el('h2', { style: { marginTop: 0 } }, '🎯 ' + t('ht.care.screenings.title')));
    screeningsCard.appendChild(el('p', { class: 'tb-card-meta' }, t('ht.care.screenings.intro')));
    const screenings = computeScreeningsDue();
    if (screenings.length === 0) {
      screeningsCard.appendChild(el('p', { class: 'tb-field-help' }, t('ht.care.screenings.empty')));
    } else {
      const tbl = el('table', { style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-14)' } });
      tbl.appendChild(el('thead', null,
        el('tr', null,
          thTd(t('ht.care.screenings.col.test'), true),
          thTd(t('ht.care.screenings.col.lastDone'), true, 'right'),
          thTd(t('ht.care.screenings.col.interval'), true, 'right'),
          thTd(t('ht.care.screenings.col.status'), true, 'center'),
          thTd('', true),
        ),
      ));
      const tb2 = el('tbody');
      for (const s of screenings) {
        const sLabel = lang === 'ja' ? s.label_jp : s.label_en;
        const statusColor = s.status === 'critical' ? 'var(--tb-error)'
                          : s.status === 'due' ? 'var(--tb-warn)'
                          : s.status === 'upcoming' ? 'var(--tb-track-tax)'
                          : 'var(--tb-success)';
        const statusBadge = el('span', {
          style: {
            padding: '1px 8px', borderRadius: 'var(--tb-radius-pill)',
            background: statusColor + '22', color: statusColor,
            fontSize: '10px', fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase',
          },
        }, t('ht.care.screenings.status.' + s.status));
        tb2.appendChild(el('tr', null,
          thTd(sLabel),
          thTd(s.last_done || '—', false, 'right'),
          thTd(s.interval_years + 'y', false, 'right'),
          thTd(statusBadge, false, 'center'),
          thTd(el('button', {
            class: 'tb-btn tb-btn--ghost',
            type: 'button',
            style: { padding: '2px 8px', fontSize: '11px' },
            onclick: () => openScreeningEditModal(s),
          }, '✎'), false, 'right'),
        ));
      }
      tbl.appendChild(tb2);
      screeningsCard.appendChild(tbl);
    }
    tabHost.appendChild(screeningsCard);

    // Primary concerns — manual entries + auto-derived from active
    // diagnoses + active episode conditions + active medication purpose.
    // Auto entries are recomputed on every render (not persisted) so
    // they always reflect the current state of attached records.
    const autoConcerns = deriveAutoPrimaryConcerns(cp);
    tabHost.appendChild(buildListCard(
      '🧭 ' + t('ht.care.concerns.title'),
      t('ht.care.concerns.intro'),
      (cp.primary_concerns || []).concat(autoConcerns),
      (item) => item.text + (item.severity ? ' · ' + item.severity : '') + (item.started_date ? ' (' + item.started_date + ')' : ''),
      () => addSimpleItem('primary_concerns', t('ht.care.concerns.add'))),
    );
    // Annual goals — manual entries + auto-derived from overdue
    // critical screenings.
    const autoGoals = deriveAutoAnnualGoals(cp, screenings);
    tabHost.appendChild(buildListCard(
      '🎯 ' + t('ht.care.goals.title'),
      t('ht.care.goals.intro'),
      (cp.annual_goals || []).concat(autoGoals),
      (item) => item.text + (item.target_date ? ' — target ' + item.target_date : '') + (item.status ? ' · ' + item.status : ''),
      () => addSimpleItem('annual_goals', t('ht.care.goals.add'))),
    );
    // Specialist referrals
    tabHost.appendChild(buildListCard(
      '👨‍⚕️ ' + t('ht.care.referrals.title'),
      t('ht.care.referrals.intro'),
      cp.specialist_referrals || [],
      (item) => (item.specialty || '?') + (item.doctor ? ' · ' + item.doctor : '') + (item.completed_date ? ' ✓ ' + item.completed_date : item.requested_date ? ' (requested ' + item.requested_date + ')' : ''),
      () => addReferral()),
    );
    // Next appointments
    tabHost.appendChild(buildListCard(
      '📅 ' + t('ht.care.appointments.title'),
      t('ht.care.appointments.intro'),
      cp.next_appointments || [],
      (item) => (item.date || '?') + ' · ' + (item.provider || '?') + (item.purpose ? ' — ' + item.purpose : ''),
      () => addAppointment()),
    );
  }

  function buildListCard(title, intro, items, formatItem, onAdd) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
    },
      el('h3', { style: { margin: 0 } }, title),
      el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { fontSize: 'var(--tb-fs-12)' },
        onclick: onAdd,
      }, '+ ' + t('ht.care.add')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, intro));
    if (!items || items.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('ht.care.empty')));
      return card;
    }
    const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px', marginTop: 'var(--tb-sp-2)' } });
    for (const item of items) {
      const isAuto = !!item.auto_source;
      const rowBody = el('span', {
        style: { display: 'flex', alignItems: 'center', gap: '8px', flexWrap: 'wrap' },
      },
        el('span', null, formatItem(item)),
        isAuto ? el('span', {
          style: {
            fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
            background: 'rgba(46, 107, 92, 0.10)', color: 'var(--tb-track-ai)',
            fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase',
          },
          title: item.auto_label || '',
        }, '🔄 ' + t('ht.care.auto') + (item.auto_label ? ' · ' + item.auto_label : '')) : null,
      );
      const row = el('div', {
        style: {
          padding: 'var(--tb-sp-1) var(--tb-sp-3)',
          background: isAuto ? 'transparent' : 'var(--tb-bg)',
          borderLeft: isAuto ? '2px dashed var(--tb-border)' : 'none',
          borderRadius: 'var(--tb-radius-1)',
          display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)',
          opacity: isAuto ? '0.85' : '1',
        },
      }, rowBody);
      // Auto-derived items can't be deleted from the list — they
      // re-derive on each render. The user can address the source
      // (end the medication, complete the episode, dismiss the
      // screening, etc.). Manual items keep their × delete button.
      if (!isAuto) {
        row.appendChild(el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '0 6px', fontSize: '12px', color: 'var(--tb-error)' },
          onclick: () => {
            if (!confirm(t('ht.care.delete.confirm'))) return;
            const cp = getCarePlan();
            for (const k of ['primary_concerns', 'annual_goals', 'specialist_referrals', 'next_appointments']) {
              const arr = cp[k] || [];
              const idx = arr.indexOf(item);
              if (idx >= 0) { arr.splice(idx, 1); cp[k] = arr; setCarePlan(cp); rerender(); return; }
            }
          },
        }, '×'));
      }
      list.appendChild(row);
    }
    card.appendChild(list);
    return card;
  }

  // ─── Care-plan auto-derivation ───────────────────────────────────
  //
  // These produce *transient* list entries marked with `auto_source` —
  // they're recomputed on every render of the Care Plan tab and never
  // saved to state. The user can't delete them directly; they fade
  // away when the source goes away (e.g., a medication is marked
  // ended, an episode is completed, a screening is brought current).
  //
  // De-duplication: we skip any auto entry whose text matches an
  // existing manual entry (case-insensitive). Lets the user "promote"
  // an auto item by manually re-adding it with their own wording.

  function deriveAutoPrimaryConcerns(cp) {
    const out = [];
    const seen = new Set();
    for (const it of (cp.primary_concerns || [])) {
      if (it && it.text) seen.add(String(it.text).toLowerCase().trim());
    }

    // 1) Diagnoses from the 3 most recent exams (oldest exams' diagnoses
    //    may be stale / one-off; cap at 3 for signal-to-noise).
    const recentExams = getExams().slice(0, 3);
    for (const e of recentExams) {
      for (const d of (e.diagnoses || [])) {
        if (!d) continue;
        const key = String(d).toLowerCase().trim();
        if (seen.has(key)) continue;
        seen.add(key);
        out.push({
          id: 'cp-auto-dx-' + e.id + '-' + key.slice(0, 8),
          text: d,
          started_date: e.date || '',
          auto_source: 'exam:' + e.id,
          auto_label: TB.i18n.t('ht.care.auto.fromExam', { date: e.date || '' }),
        });
      }
    }

    // 2) Active care episodes' related_condition. Each episode may
    //    carry multiple conditions separated by semicolons (see
    //    recomputeEpisodeDerivedFields).
    for (const ep of getEpisodes()) {
      if (ep.status === 'completed' || ep.status === 'cancelled') continue;
      if (!ep.related_condition) continue;
      const conds = String(ep.related_condition).split(';').map((s) => s.trim()).filter(Boolean);
      for (const c of conds) {
        const key = c.toLowerCase();
        if (seen.has(key)) continue;
        seen.add(key);
        out.push({
          id: 'cp-auto-ep-' + ep.id + '-' + key.slice(0, 8),
          text: c,
          started_date: ep.started_date || '',
          auto_source: 'episode:' + ep.id,
          auto_label: TB.i18n.t('ht.care.auto.fromEpisode', { title: ep.title || '' }),
        });
      }
    }

    // 3) Active medications with a stated purpose. "Atorvastatin for
    //    high cholesterol" → "high cholesterol" as a primary concern.
    for (const m of getMeds()) {
      if (m.ended_date) continue;
      if (!m.purpose) continue;
      const key = String(m.purpose).toLowerCase().trim();
      if (seen.has(key)) continue;
      seen.add(key);
      out.push({
        id: 'cp-auto-med-' + m.id,
        text: m.purpose,
        auto_source: 'med:' + m.id,
        auto_label: TB.i18n.t('ht.care.auto.fromMed', { name: m.name || '' }),
      });
    }

    return out;
  }

  // Auto-generate annual-goal suggestions from any overdue (critical
  // or due) preventive screenings. The text reads as an action item
  // ("Schedule colonoscopy") with a "target by year-end" date. Once
  // the screening comes current (last_done updated), the goal
  // disappears automatically.
  function deriveAutoAnnualGoals(cp, screenings) {
    const out = [];
    const seen = new Set();
    for (const it of (cp.annual_goals || [])) {
      if (it && it.text) seen.add(String(it.text).toLowerCase().trim());
    }
    const yearEnd = (new Date().getFullYear()) + '-12-31';
    const lang = TB.i18n.getLang();
    for (const s of (screenings || [])) {
      // Only flag actually-overdue items. "Upcoming" and "current" are
      // not yet goal-worthy — would just clutter the list.
      if (s.status !== 'critical' && s.status !== 'due' && s.status !== 'never') continue;
      const label = lang === 'ja' ? s.label_jp : s.label_en;
      const text = TB.i18n.t('ht.care.auto.scheduleScreening', { name: label });
      const key = text.toLowerCase().trim();
      if (seen.has(key)) continue;
      seen.add(key);
      out.push({
        id: 'cp-auto-goal-' + s.library_id,
        text,
        target_date: yearEnd,
        auto_source: 'screening:' + s.library_id,
        auto_label: TB.i18n.t('ht.care.auto.fromScreening'),
      });
    }
    return out;
  }

  function addSimpleItem(field, promptLabel) {
    const text = prompt(promptLabel);
    if (!text || !text.trim()) return;
    const cp = getCarePlan();
    const arr = cp[field] || [];
    arr.push({ id: 'cp-' + Date.now().toString(36), text: text.trim(), created_at: new Date().toISOString() });
    cp[field] = arr;
    setCarePlan(cp);
    rerender();
  }
  function addReferral() {
    const specialty = prompt(TB.i18n.t('ht.care.referrals.prompt.specialty'));
    if (!specialty || !specialty.trim()) return;
    const doctor = prompt(TB.i18n.t('ht.care.referrals.prompt.doctor')) || '';
    const cp = getCarePlan();
    cp.specialist_referrals = cp.specialist_referrals || [];
    cp.specialist_referrals.push({
      id: 'ref-' + Date.now().toString(36),
      specialty: specialty.trim(),
      doctor: doctor.trim(),
      requested_date: new Date().toISOString().slice(0, 10),
    });
    setCarePlan(cp);
    rerender();
  }
  function addAppointment() {
    const date = prompt(TB.i18n.t('ht.care.appointments.prompt.date'), new Date().toISOString().slice(0, 10));
    if (!date) return;
    const provider = prompt(TB.i18n.t('ht.care.appointments.prompt.provider')) || '';
    const purpose = prompt(TB.i18n.t('ht.care.appointments.prompt.purpose')) || '';
    const cp = getCarePlan();
    cp.next_appointments = cp.next_appointments || [];
    cp.next_appointments.push({
      id: 'apt-' + Date.now().toString(36),
      date: date.trim(),
      provider: provider.trim(),
      purpose: purpose.trim(),
    });
    cp.next_appointments.sort((a, b) => (a.date || '').localeCompare(b.date || ''));
    setCarePlan(cp);
    rerender();
  }

  function openScreeningEditModal(screening) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const cp = getCarePlan();
    let userEntry = (cp.preventive_screenings_due || []).find((u) => u.library_id === screening.library_id);
    if (!userEntry) {
      userEntry = { library_id: screening.library_id, last_done: screening.last_done, interval_years: screening.interval_years };
      cp.preventive_screenings_due = cp.preventive_screenings_due || [];
      cp.preventive_screenings_due.push(userEntry);
    }
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '480px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      '🎯 ' + (lang === 'ja' ? screening.label_jp : screening.label_en)));

    const lastInput = el('input', {
      type: 'date', class: 'tb-input',
      value: userEntry.last_done || '',
      onchange: (e) => { userEntry.last_done = e.target.value || null; },
    });
    modal.appendChild(field(t('ht.care.screenings.lastDone'), lastInput));

    const intervalInput = el('input', {
      type: 'number', class: 'tb-input', step: 1, min: 1, max: 100,
      value: userEntry.interval_years || screening.interval_years,
      onchange: (e) => {
        const v = parseInt(e.target.value, 10);
        if (isFinite(v) && v > 0) userEntry.interval_years = v;
      },
    });
    modal.appendChild(field(t('ht.care.screenings.interval'), intervalInput, t('ht.care.screenings.interval.help')));

    const notesInput = el('textarea', {
      class: 'tb-textarea', rows: 2,
      value: userEntry.notes || '',
      onchange: (e) => { userEntry.notes = e.target.value || ''; },
    });
    modal.appendChild(field(t('ht.care.screenings.notes'), notesInput));

    const disableInput = el('input', {
      type: 'checkbox', checked: !!userEntry.disabled,
      onchange: (e) => { userEntry.disabled = !!e.target.checked; },
    });
    modal.appendChild(el('label', { style: { display: 'flex', alignItems: 'center', gap: '8px', marginTop: 'var(--tb-sp-2)' } },
      disableInput,
      el('span', { class: 'tb-card-meta' }, t('ht.care.screenings.disable')),
    ));

    modal.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' },
    },
      el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')),
      el('button', { class: 'tb-btn', type: 'button', onclick: () => {
        setCarePlan(cp);
        close();
        rerender();
      } }, t('ht.save')),
    ));
    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ====================================================================
  // Tab: Meds & Tracking
  // ====================================================================

  function renderMedsTab(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const meds = getMeds();
    const active = meds.filter((m) => !m.ended_date);
    const past = meds.filter((m) => m.ended_date);

    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
    },
      el('h2', { style: { margin: 0 } }, '💊 ' + t('ht.meds.title')),
      el('button', {
        class: 'tb-btn', type: 'button',
        onclick: () => openMedEditModal(null),
      }, '+ ' + t('ht.meds.add')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('ht.meds.intro')));

    if (meds.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('ht.meds.empty')));
      tabHost.appendChild(card);
      return;
    }

    if (active.length > 0) {
      card.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-3)' } },
        t('ht.meds.active') + ' (' + active.length + ')'));
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '6px' } });
      for (const m of active) list.appendChild(buildMedRow(m));
      card.appendChild(list);
    }
    if (past.length > 0) {
      const details = el('details', { style: { marginTop: 'var(--tb-sp-3)' } });
      details.appendChild(el('summary', {
        style: { cursor: 'pointer', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' },
      }, t('ht.meds.past') + ' (' + past.length + ')'));
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px', marginTop: 'var(--tb-sp-2)', opacity: '0.6' } });
      for (const m of past) list.appendChild(buildMedRow(m));
      details.appendChild(list);
      card.appendChild(details);
    }
    tabHost.appendChild(card);
  }

  function buildMedRow(med) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const refillDue = med.next_refill_date && daysUntil(med.next_refill_date) <= 14;
    const isActive = !med.ended_date;

    // Quick-action buttons live in a right-aligned cluster. We
    // stopPropagation on each so they don't trigger the row's
    // click-to-edit handler.
    const actions = el('div', {
      style: { display: 'flex', gap: '4px', flexWrap: 'wrap', alignItems: 'center' },
    });

    if (isActive) {
      // Mark refilled — bumps next_refill_date forward by the previous
      // gap (or 30d if no prior refill date), decrements
      // refills_remaining when set, stamps last_refill_date.
      actions.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        title: t('ht.meds.action.refill.help'),
        style: { padding: '2px 8px', fontSize: '11px' },
        onclick: (e) => {
          e.stopPropagation();
          markMedRefilled(med.id);
        },
      }, '↻ ' + t('ht.meds.action.refill')));

      // Mark course complete — sets ended_date to today. Confirmation
      // because the row visually fades into the Past list afterward.
      actions.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        title: t('ht.meds.action.complete.help'),
        style: { padding: '2px 8px', fontSize: '11px' },
        onclick: (e) => {
          e.stopPropagation();
          if (!confirm(t('ht.meds.action.complete.confirm', { name: med.name || '?' }))) return;
          markMedCompleted(med.id);
        },
      }, '✓ ' + t('ht.meds.action.complete')));
    } else {
      // Resume — clears ended_date and pops the med back into Active.
      actions.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        title: t('ht.meds.action.resume.help'),
        style: { padding: '2px 8px', fontSize: '11px' },
        onclick: (e) => {
          e.stopPropagation();
          markMedResumed(med.id);
        },
      }, '↺ ' + t('ht.meds.action.resume')));
    }

    // Right-most refill-due badge (when soon)
    if (refillDue) {
      actions.appendChild(el('span', {
        style: { color: 'var(--tb-warn)', fontSize: '11px', fontWeight: '600' },
      }, '⚠ refill ' + med.next_refill_date));
    }

    return el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)',
        borderLeft: '3px solid ' + (refillDue ? 'var(--tb-warn)' : 'var(--tb-track-health)'),
        borderRadius: 'var(--tb-radius-1)',
        cursor: 'pointer',
        display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
      },
      onclick: () => openMedEditModal(med),
    },
      el('div', null,
        el('div', { style: { fontWeight: '600' } },
          (med.name || '?') +
          (med.dosage ? ' · ' + med.dosage + (med.dosage_unit || '') : '') +
          (med.frequency ? ' · ' + med.frequency : '')),
        el('div', { class: 'tb-card-meta', style: { marginTop: '2px' } },
          (med.purpose ? med.purpose + ' · ' : '') +
          (med.prescriber ? med.prescriber : '') +
          (med.started_date ? ' · since ' + med.started_date : '') +
          (med.ended_date ? ' · ended ' + med.ended_date : '') +
          (med.last_refill_date ? ' · refilled ' + med.last_refill_date : '')),
      ),
      actions,
    );
  }

  // ─── Medication state mutators (quick-action helpers) ────────────
  //
  // markMedRefilled — bump next_refill_date forward by the gap between
  // started_date / last_refill_date and the current next_refill_date.
  // Fall back to +30d when we can't compute a sensible gap. Decrement
  // refills_remaining when > 0. Stamps last_refill_date = today so the
  // user has a clean refill history visible in the row meta.
  function markMedRefilled(medId) {
    const med = getMeds().find((m) => m.id === medId);
    if (!med) return;
    const updated = Object.assign({}, med);
    const today = new Date().toISOString().slice(0, 10);
    // Compute gap days. Prefer previous interval (next_refill_date -
    // last_refill_date / started_date). Fall back to 30 days.
    let gapDays = 30;
    if (med.next_refill_date) {
      const anchor = med.last_refill_date || med.started_date;
      if (anchor) {
        const a = new Date(anchor + 'T00:00:00').getTime();
        const b = new Date(med.next_refill_date + 'T00:00:00').getTime();
        if (!isNaN(a) && !isNaN(b) && b > a) gapDays = Math.round((b - a) / 86400000);
      }
    }
    const next = new Date(today + 'T00:00:00');
    next.setDate(next.getDate() + gapDays);
    updated.next_refill_date = next.toISOString().slice(0, 10);
    updated.last_refill_date = today;
    if (typeof updated.refills_remaining === 'number' && updated.refills_remaining > 0) {
      updated.refills_remaining -= 1;
    }
    updated.updated_at = new Date().toISOString();
    upsertMed(updated);
    rerender();
  }

  function markMedCompleted(medId) {
    const med = getMeds().find((m) => m.id === medId);
    if (!med) return;
    const updated = Object.assign({}, med, {
      ended_date: new Date().toISOString().slice(0, 10),
      updated_at: new Date().toISOString(),
    });
    upsertMed(updated);
    // If the med was part of an episode, recompute so the episode's
    // date range / outcome can update if this completion closes it.
    if (updated.episode_id) {
      try { recomputeEpisodeDerivedFields(updated.episode_id); } catch (_) {}
    }
    rerender();
  }

  function markMedResumed(medId) {
    const med = getMeds().find((m) => m.id === medId);
    if (!med) return;
    const updated = Object.assign({}, med, {
      ended_date: null,
      updated_at: new Date().toISOString(),
    });
    upsertMed(updated);
    rerender();
  }

  function openMedEditModal(existing, prefill) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    // Re-fetch latest from state in case the caller is holding a
    // stale reference (e.g., after an invoice import created the med).
    if (existing && existing.id) {
      const fresh = getMeds().find((m) => m.id === existing.id);
      if (fresh) existing = fresh;
    }
    const isEdit = !!existing;
    const draft = existing ? Object.assign({}, existing) : Object.assign({
      id: 'med-' + Date.now().toString(36),
      name: '', generic_name: '', dosage: null, dosage_unit: 'mg',
      frequency: '', route: 'oral',
      started_date: new Date().toISOString().slice(0, 10),
      ended_date: null,
      prescriber: '', pharmacy: '',
      refills_remaining: null, next_refill_date: null,
      purpose: '', side_effects: '', notes: '',
      exam_id: null,
      episode_id: null,
    }, prefill || {});
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '560px' } });
    backdrop.appendChild(modal);
    function close() {
      root.innerHTML = '';
      // Return to the parent record's modal when one is set — exam
      // takes precedence (came from "Linked medications" on an exam),
      // episode falls through.
      if (draft.exam_id) {
        const ex = getExams().find((e) => e.id === draft.exam_id);
        if (ex) { openExamEditModal(ex); return; }
      }
      if (draft.episode_id) {
        const ep = getEpisodes().find((e) => e.id === draft.episode_id);
        if (ep) openEpisodeEditModal(ep);
      }
    }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });
    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      (isEdit ? t('ht.meds.editTitle') : t('ht.meds.addTitle'))));

    // Capture original episode_id for cross-episode reassignment.
    const originalMedEpisodeId = existing ? (existing.episode_id || null) : null;

    const nameInput = textInput(draft.name, (v) => draft.name = v);
    modal.appendChild(field(t('ht.meds.field.name'), nameInput));
    const genericInput = textInput(draft.generic_name, (v) => draft.generic_name = v);
    modal.appendChild(field(t('ht.meds.field.generic'), genericInput, t('ht.meds.field.generic.help')));

    const dosageRow = el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 100px', gap: 'var(--tb-sp-2)' } },
      numInput(draft.dosage, (v) => draft.dosage = v),
      el('select', {
        class: 'tb-select',
        onchange: (e) => { draft.dosage_unit = e.target.value; },
      },
        ['mg', 'mcg', 'g', 'mL', 'units', 'IU', 'puff'].map((u) =>
          el('option', { value: u, selected: draft.dosage_unit === u }, u)),
      ),
    );
    modal.appendChild(field(t('ht.meds.field.dosage'), dosageRow));

    const freqInput = textInput(draft.frequency, (v) => draft.frequency = v);
    modal.appendChild(field(t('ht.meds.field.frequency'), freqInput, t('ht.meds.field.frequency.help')));

    modal.appendChild(field(t('ht.meds.field.route'), el('select', {
      class: 'tb-select',
      onchange: (e) => { draft.route = e.target.value; },
    },
      [
        { v: 'oral', en: 'Oral', jp: '内服' },
        { v: 'topical', en: 'Topical', jp: '外用' },
        { v: 'injectable', en: 'Injectable', jp: '注射' },
        { v: 'inhaler', en: 'Inhaler', jp: '吸入' },
        { v: 'other', en: 'Other', jp: 'その他' },
      ].map((o) => el('option', { value: o.v, selected: draft.route === o.v }, lang === 'ja' ? o.jp : o.en)),
    )));

    modal.appendChild(field(t('ht.meds.field.purpose'),
      textInput(draft.purpose, (v) => draft.purpose = v),
      t('ht.meds.field.purpose.help')));

    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.meds.field.started'), dateInput(draft.started_date, (v) => draft.started_date = v)),
      field(t('ht.meds.field.ended'), dateInput(draft.ended_date, (v) => draft.ended_date = v), t('ht.meds.field.ended.help')),
    ));

    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.meds.field.prescriber'), textInput(draft.prescriber, (v) => draft.prescriber = v)),
      field(t('ht.meds.field.pharmacy'), textInput(draft.pharmacy, (v) => draft.pharmacy = v)),
    ));

    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.meds.field.refills'),
        numInput(draft.refills_remaining, (v) => draft.refills_remaining = v)),
      field(t('ht.meds.field.nextRefill'),
        dateInput(draft.next_refill_date, (v) => draft.next_refill_date = v)),
    ));

    modal.appendChild(field(t('ht.meds.field.sideEffects'),
      textareaInput(draft.side_effects, (v) => draft.side_effects = v)));

    // Episode link picker — same pattern as the exam edit modal,
    // letting users tie post-procedure prescriptions to the originating
    // episode (e.g., Bowtrol for the colonoscopy episode).
    const allEps = getEpisodes();
    if (allEps.length > 0) {
      const epSelect = el('select', {
        class: 'tb-select',
        onchange: (e) => { draft.episode_id = e.target.value || null; },
      },
        el('option', { value: '', selected: !draft.episode_id }, '— ' + t('ht.meds.field.episode.none') + ' —'),
        ...allEps.map((ep) =>
          el('option', { value: ep.id, selected: draft.episode_id === ep.id },
            (episodeCategoryMeta(ep.category).icon) + ' ' + ep.title)),
      );
      modal.appendChild(field('🧭 ' + t('ht.meds.field.episode'), epSelect));
    }

    modal.appendChild(field(t('ht.meds.field.notes'),
      textareaInput(draft.notes, (v) => draft.notes = v)));

    const btnRow = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', marginTop: 'var(--tb-sp-4)' },
    });
    if (isEdit) {
      btnRow.appendChild(el('button', {
        class: 'tb-btn tb-btn--danger', type: 'button',
        onclick: () => {
          // deleteMedWithUndo handles its own named confirm + undo toast.
          if (!deleteMedWithUndo(draft.id)) return;
          close();
          rerender();
        },
      }, t('ht.delete')));
    } else {
      btnRow.appendChild(el('span'));
    }
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')));
    right.appendChild(el('button', {
      class: 'tb-btn', type: 'button',
      onclick: () => {
        if (!draft.name || !draft.name.trim()) { alert(t('ht.meds.field.name.required')); return; }
        upsertMed(draft);
        if (originalMedEpisodeId && originalMedEpisodeId !== draft.episode_id) {
          recomputeEpisodeDerivedFields(originalMedEpisodeId);
        }
        if (draft.episode_id) {
          recomputeEpisodeDerivedFields(draft.episode_id);
        }
        close();
        rerender();
      },
    }, t('ht.save')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ====================================================================
  // Tab: Care Episodes (v0.39)
  // ====================================================================
  //
  // List view + detail-view modal. Each episode ties together exams,
  // medications, and invoices around a single medical event so the
  // user sees the full "colonoscopy journey" in one place rather than
  // fragmented across three tabs.

  const EPISODE_CATEGORIES = [
    { id: 'screening',  label_en: 'Screening',         label_jp: 'スクリーニング',   icon: '🔍' },
    { id: 'procedure',  label_en: 'Procedure',         label_jp: '処置・手術',       icon: '🩺' },
    { id: 'condition',  label_en: 'Ongoing condition', label_jp: '継続的な疾患',     icon: '📊' },
    { id: 'injury',     label_en: 'Injury / acute',    label_jp: '外傷・急性',       icon: '🤕' },
    { id: 'pregnancy',  label_en: 'Pregnancy',         label_jp: '妊娠・出産',       icon: '🤰' },
    { id: 'mental',     label_en: 'Mental health',     label_jp: 'メンタルヘルス',   icon: '🧠' },
    { id: 'preventive', label_en: 'Preventive care',   label_jp: '予防医療',         icon: '✨' },
    { id: 'other',      label_en: 'Other',             label_jp: 'その他',           icon: '📁' },
  ];

  const EPISODE_STATUSES = [
    { id: 'active',     label_en: 'Active',     label_jp: '進行中',   color: 'var(--tb-warn)' },
    { id: 'monitoring', label_en: 'Monitoring', label_jp: '経過観察', color: 'var(--tb-track-tax)' },
    { id: 'completed',  label_en: 'Completed',  label_jp: '完了',     color: 'var(--tb-success)' },
    { id: 'cancelled',  label_en: 'Cancelled',  label_jp: 'キャンセル', color: 'var(--tb-text-soft)' },
  ];

  function episodeCategoryMeta(id) {
    return EPISODE_CATEGORIES.find((c) => c.id === id) || EPISODE_CATEGORIES[EPISODE_CATEGORIES.length - 1];
  }
  function episodeStatusMeta(id) {
    return EPISODE_STATUSES.find((s) => s.id === id) || EPISODE_STATUSES[0];
  }

  function renderEpisodesTab(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const eps = getEpisodes();

    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
    },
      el('h2', { style: { margin: 0 } }, '🧭 ' + t('ht.episodes.title')),
      el('button', {
        class: 'tb-btn', type: 'button',
        onclick: () => openEpisodeEditModal(null),
      }, '+ ' + t('ht.episodes.add')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('ht.episodes.intro')));

    if (eps.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('ht.episodes.empty')));
      tabHost.appendChild(card);
      return;
    }

    const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)' } });
    for (const ep of eps) {
      list.appendChild(buildEpisodeRow(ep));
    }
    card.appendChild(list);
    tabHost.appendChild(card);
  }

  function buildEpisodeRow(ep) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const cat = episodeCategoryMeta(ep.category);
    const stat = episodeStatusMeta(ep.status || 'active');
    const examsCount = examsForEpisode(ep.id).length;
    const medsCount = medicationsForEpisode(ep.id).length;
    const invs = invoicesForEpisode(ep.id);
    const cost = totalCostForEpisode(ep.id);
    const row = el('div', {
      style: {
        padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
        borderLeft: '4px solid ' + stat.color,
        borderRadius: 'var(--tb-radius-2)',
        cursor: 'pointer',
        display: 'grid', gridTemplateColumns: '1fr auto', gap: 'var(--tb-sp-3)',
        alignItems: 'start',
      },
      onclick: () => openEpisodeEditModal(ep),
    });
    const left = el('div');
    left.appendChild(el('div', {
      style: { display: 'flex', alignItems: 'baseline', flexWrap: 'wrap', gap: '8px' },
    },
      el('span', { style: { fontSize: 'var(--tb-fs-18)' } }, cat.icon),
      el('strong', { style: { fontSize: 'var(--tb-fs-16)' } }, ep.title || t('ht.episodes.untitled')),
      el('span', {
        style: { fontSize: '10px', padding: '1px 8px', borderRadius: 'var(--tb-radius-pill)',
          background: stat.color + '22', color: stat.color,
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, lang === 'ja' ? stat.label_jp : stat.label_en),
    ));
    const meta = [];
    if (ep.specialty) meta.push(ep.specialty);
    if (ep.provider) meta.push(ep.provider);
    if (ep.started_date) {
      const dur = ep.completed_date
        ? ep.started_date + ' → ' + ep.completed_date
        : ep.started_date + ' → ' + t('ht.episodes.ongoing');
      meta.push(dur);
    }
    if (meta.length) {
      left.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: '4px' } }, meta.join(' · ')));
    }
    // Counts line
    const counts = [];
    if (examsCount > 0) counts.push('📋 ' + examsCount + ' ' + t('ht.episodes.exams'));
    if (medsCount > 0) counts.push('💊 ' + medsCount + ' ' + t('ht.episodes.meds'));
    if (invs.length > 0) counts.push('🧾 ' + invs.length + ' ' + t('ht.episodes.invoices'));
    if (counts.length) {
      left.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: '4px' } }, counts.join(' · ')));
    }
    if (ep.notes) {
      left.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: '4px', lineHeight: 'var(--tb-lh-body)' } }, ep.notes.slice(0, 140) + (ep.notes.length > 140 ? '…' : '')));
    }
    row.appendChild(left);

    // Right column — cost summary
    if (cost.gross > 0) {
      const right = el('div', { style: { textAlign: 'right', minWidth: '90px' } });
      right.appendChild(el('div', {
        style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700', fontSize: 'var(--tb-fs-16)' },
      }, '$' + Math.round(cost.gross).toLocaleString()));
      if (cost.reimbursed > 0) {
        right.appendChild(el('div', { style: { fontSize: '10px', color: 'var(--tb-success)', fontFamily: 'var(--tb-font-mono)' } },
          '−$' + Math.round(cost.reimbursed).toLocaleString() + ' ' + t('ht.episodes.reimbursed')));
        right.appendChild(el('div', { style: { fontSize: '11px', fontFamily: 'var(--tb-font-mono)', color: 'var(--tb-text-soft)' } },
          'net $' + Math.round(cost.net).toLocaleString()));
      }
      row.appendChild(right);
    }
    return row;
  }

  // ─── Episode add/edit modal ───────────────────────────────────────
  function openEpisodeEditModal(existing) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    // CRITICAL: always re-fetch the latest version from state when an
    // existing episode is passed. Callers (picker modals, invoice
    // save) capture an `ep` reference BEFORE recompute fires, so
    // without this re-fetch the modal would render stale auto-fill
    // values — the data is correct in state but the JS object isn't.
    if (existing && existing.id) {
      const fresh = getEpisodes().find((e) => e.id === existing.id);
      if (fresh) existing = fresh;
    }
    const isEdit = !!existing;
    const draft = existing ? JSON.parse(JSON.stringify(existing)) : {
      id: 'ep-' + Date.now().toString(36),
      title: '',
      status: 'active',
      category: 'procedure',
      started_date: new Date().toISOString().slice(0, 10),
      completed_date: null,
      specialty: '',
      provider: '',
      facility: '',
      related_condition: '',
      notes: '',
      outcome: '',
      ai_summary: '',
      consultation_ids: [],
      vault_doc_ids: [],
      created_at: new Date().toISOString(),
      updated_at: new Date().toISOString(),
    };

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '760px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('button', { class: 'tb-modal-close', type: 'button', onclick: close }, '×'));
    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      (isEdit ? t('ht.episodes.edit') : t('ht.episodes.addTitle'))));

    // Helpers used by both new + edit views. autoFillHint surfaces a
    // tiny ✨ Auto-filled badge next to fields that were derived from
    // attached records; userTouched strips that badge once the user
    // edits the field so subsequent attachments don't overwrite.
    function userTouched(fieldName) {
      delete draft['__derived_' + fieldName];
    }
    function autoFillHint(fieldName) {
      if (draft['__derived_' + fieldName]) {
        return el('span', {
          style: { fontSize: '10px', padding: '1px 6px', marginLeft: '6px',
            borderRadius: 'var(--tb-radius-pill)',
            background: 'rgba(46, 107, 92, 0.12)', color: 'var(--tb-track-ai)',
            fontWeight: '600', letterSpacing: '0.04em', textTransform: 'uppercase' },
        }, '✨ ' + t('ht.episodes.field.autoFilled'));
      }
      return null;
    }
    function labeledField(label, fieldKey, control, help) {
      const labelNode = el('span', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center', flexWrap: 'wrap' } },
        label,
        autoFillHint(fieldKey),
      );
      return el('div', { class: 'tb-field' },
        labelNode,
        control,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    // ─── Always-shown: the four essentials ───────────────────────
    // Brand-new episode creation shows ONLY these. Specialty, provider,
    // facility, condition, notes, outcome all auto-fill from attached
    // records — no point asking up front before data exists.
    modal.appendChild(field(t('ht.episodes.field.title'),
      textInput(draft.title, (v) => { draft.title = v; }),
      t('ht.episodes.field.title.help')));

    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.episodes.field.category'), el('select', {
        class: 'tb-select',
        onchange: (e) => { draft.category = e.target.value; },
      }, EPISODE_CATEGORIES.map((c) =>
        el('option', { value: c.id, selected: draft.category === c.id },
          c.icon + ' ' + (lang === 'ja' ? c.label_jp : c.label_en))))),
      field(t('ht.episodes.field.status'), el('select', {
        class: 'tb-select',
        onchange: (e) => { draft.status = e.target.value; },
      }, EPISODE_STATUSES.map((s) =>
        el('option', { value: s.id, selected: draft.status === s.id },
          lang === 'ja' ? s.label_jp : s.label_en)))),
    ));

    // Started date — single field on new (Completed auto-fills when
    // status flips). Side-by-side with Completed on edit.
    if (isEdit) {
      modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
        labeledField(t('ht.episodes.field.started'), 'started_date',
          dateInput(draft.started_date, (v) => { draft.started_date = v; userTouched('started_date'); })),
        labeledField(t('ht.episodes.field.completed'), 'completed_date',
          dateInput(draft.completed_date, (v) => { draft.completed_date = v; userTouched('completed_date'); }),
          t('ht.episodes.field.completed.help')),
      ));
    } else {
      modal.appendChild(field(t('ht.episodes.field.started'),
        dateInput(draft.started_date, (v) => { draft.started_date = v; }),
        t('ht.episodes.field.started.help.new')));
    }

    // ─── Edit-mode only: fine-tuning fields + attachments ────────
    if (isEdit) {
      // Visual divider — explains that everything below auto-fills
      modal.appendChild(el('div', {
        style: {
          marginTop: 'var(--tb-sp-4)', marginBottom: 'var(--tb-sp-2)',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'rgba(46, 107, 92, 0.06)',
          borderLeft: '3px solid var(--tb-track-ai)',
          borderRadius: 'var(--tb-radius-1)', fontSize: 'var(--tb-fs-12)',
        },
      },
        el('strong', null, '✨ ' + t('ht.episodes.autofill.section')),
        ' ' + t('ht.episodes.autofill.body')));

      modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
        labeledField(t('ht.episodes.field.specialty'), 'specialty',
          textInput(draft.specialty, (v) => { draft.specialty = v; userTouched('specialty'); }),
          t('ht.episodes.field.specialty.help')),
        labeledField(t('ht.episodes.field.provider'), 'provider',
          textInput(draft.provider, (v) => { draft.provider = v; userTouched('provider'); })),
      ));

      modal.appendChild(labeledField(t('ht.episodes.field.facility'), 'facility',
        textInput(draft.facility, (v) => { draft.facility = v; userTouched('facility'); })));

      modal.appendChild(labeledField(t('ht.episodes.field.condition'), 'related_condition',
        textInput(draft.related_condition, (v) => { draft.related_condition = v; userTouched('related_condition'); }),
        t('ht.episodes.field.condition.help')));

      modal.appendChild(labeledField(t('ht.episodes.field.notes'), 'notes',
        textareaInput(draft.notes, (v) => { draft.notes = v; userTouched('notes'); })));

      modal.appendChild(labeledField(t('ht.episodes.field.outcome'), 'outcome',
        textareaInput(draft.outcome, (v) => { draft.outcome = v; userTouched('outcome'); }),
        t('ht.episodes.field.outcome.help')));

      modal.appendChild(buildEpisodeAttachmentsSection(draft));
    } else {
      // Brand-new: surface "next steps" so the user knows what to do
      modal.appendChild(el('div', {
        style: {
          marginTop: 'var(--tb-sp-4)',
          padding: 'var(--tb-sp-3)',
          background: 'rgba(46, 107, 92, 0.08)',
          borderLeft: '3px solid var(--tb-track-ai)',
          borderRadius: 'var(--tb-radius-2)',
        },
      },
        el('div', { style: { fontWeight: '600', marginBottom: '4px' } },
          '✨ ' + t('ht.episodes.create.nextSteps.title')),
        el('div', { class: 'tb-card-meta', style: { lineHeight: 'var(--tb-lh-body)' } },
          t('ht.episodes.create.nextSteps.body'))));
    }

    // Bottom buttons
    const btnRow = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', marginTop: 'var(--tb-sp-4)' },
    });
    if (isEdit) {
      btnRow.appendChild(el('button', {
        class: 'tb-btn tb-btn--danger', type: 'button',
        onclick: () => {
          if (!deleteEpisodeWithUndo(draft.id)) return;
          close();
          rerender();
        },
      }, t('ht.delete')));
    } else {
      btnRow.appendChild(el('span'));
    }
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')));
    right.appendChild(el('button', {
      class: 'tb-btn', type: 'button',
      onclick: () => {
        if (!draft.title || !draft.title.trim()) { alert(t('ht.episodes.field.title.required')); return; }
        draft.updated_at = new Date().toISOString();
        upsertEpisode(draft);
        // For new episodes, re-open in edit mode so user can attach things
        if (!isEdit) {
          close();
          openEpisodeEditModal(draft);
          return;
        }
        close();
        rerender();
      },
    }, isEdit ? t('ht.save') : t('ht.episodes.create.saveContinue')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // The "attachments" panel inside the episode edit modal — shows the
  // timeline of exams, related medications, and invoices associated
  // with this episode, with add/remove affordances.
  function buildEpisodeAttachmentsSection(ep) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const wrap = el('div', {
      style: { marginTop: 'var(--tb-sp-4)', padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)' },
    });
    wrap.appendChild(el('h3', { style: { marginTop: 0 } }, '🔗 ' + t('ht.episodes.attached.title')));

    // ─── Attached exams (timeline) ───────────────────────────────
    const exams = examsForEpisode(ep.id);
    wrap.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', marginTop: 'var(--tb-sp-3)' },
    },
      el('div', { style: { fontWeight: '600' } }, '📋 ' + t('ht.episodes.attached.exams') + ' (' + exams.length + ')'),
      el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { fontSize: 'var(--tb-fs-12)' },
        onclick: () => openExamPickerForEpisode(ep),
      }, '+ ' + t('ht.episodes.attached.exams.add')),
    ));
    if (exams.length === 0) {
      wrap.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: '4px' } }, t('ht.episodes.attached.exams.empty')));
    } else {
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px', marginTop: '6px' } });
      for (const e of exams) {
        list.appendChild(el('div', {
          style: {
            padding: 'var(--tb-sp-1) var(--tb-sp-3)', background: 'var(--tb-bg-elev)',
            borderRadius: 'var(--tb-radius-1)',
            display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)',
          },
        },
          el('span', null,
            (e.date || '?') + ' · ' + examTypeLabel(e.type) +
            (e.provider ? ' · ' + e.provider : '') +
            ((e.lab_results || []).length > 0 ? ' · ' + e.lab_results.length + ' lab(s)' : '')),
          el('span', { style: { display: 'flex', gap: '4px' } },
            el('button', {
              class: 'tb-btn tb-btn--ghost', type: 'button',
              style: { padding: '0 8px', fontSize: '11px' },
              title: t('ht.episodes.attached.exams.open'),
              onclick: () => {
                const root = document.getElementById('tb-modal-root');
                if (root) root.innerHTML = '';
                openExamEditModal(e);
              },
            }, '✎'),
            el('button', {
              class: 'tb-btn tb-btn--ghost', type: 'button',
              style: { padding: '0 8px', fontSize: '14px', color: 'var(--tb-error)' },
              title: t('ht.episodes.attached.exams.detach'),
              onclick: () => {
                const updated = Object.assign({}, e, { episode_id: null });
                upsertExam(updated);
                recomputeEpisodeDerivedFields(ep.id);
                const refreshed = getEpisodes().find((x) => x.id === ep.id);
                const root = document.getElementById('tb-modal-root');
                if (root) root.innerHTML = '';
                openEpisodeEditModal(refreshed || ep);
              },
            }, '×'),
          ),
        ));
      }
      wrap.appendChild(list);
    }

    // ─── Attached medications ────────────────────────────────────
    const meds = medicationsForEpisode(ep.id);
    wrap.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', marginTop: 'var(--tb-sp-3)' },
    },
      el('div', { style: { fontWeight: '600' } }, '💊 ' + t('ht.episodes.attached.meds') + ' (' + meds.length + ')'),
      el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { fontSize: 'var(--tb-fs-12)' },
        onclick: () => openMedPickerForEpisode(ep),
      }, '+ ' + t('ht.episodes.attached.meds.add')),
    ));
    if (meds.length === 0) {
      wrap.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: '4px' } }, t('ht.episodes.attached.meds.empty')));
    } else {
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px', marginTop: '6px' } });
      for (const m of meds) {
        list.appendChild(el('div', {
          style: {
            padding: 'var(--tb-sp-1) var(--tb-sp-3)', background: 'var(--tb-bg-elev)',
            borderRadius: 'var(--tb-radius-1)',
            display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)',
          },
        },
          el('span', null,
            (m.name || '?') +
            (m.dosage ? ' · ' + m.dosage + (m.dosage_unit || '') : '') +
            (m.started_date ? ' · ' + m.started_date : '') +
            (m.ended_date ? ' → ' + m.ended_date : '')),
          el('span', { style: { display: 'flex', gap: '4px' } },
            el('button', {
              class: 'tb-btn tb-btn--ghost', type: 'button',
              style: { padding: '0 8px', fontSize: '11px' },
              onclick: () => {
                const root = document.getElementById('tb-modal-root');
                if (root) root.innerHTML = '';
                openMedEditModal(m);
              },
            }, '✎'),
            el('button', {
              class: 'tb-btn tb-btn--ghost', type: 'button',
              style: { padding: '0 8px', fontSize: '14px', color: 'var(--tb-error)' },
              onclick: () => {
                const updated = Object.assign({}, m, { episode_id: null });
                upsertMed(updated);
                recomputeEpisodeDerivedFields(ep.id);
                const refreshed = getEpisodes().find((x) => x.id === ep.id);
                const root = document.getElementById('tb-modal-root');
                if (root) root.innerHTML = '';
                openEpisodeEditModal(refreshed || ep);
              },
            }, '×'),
          ),
        ));
      }
      wrap.appendChild(list);
    }

    // ─── Attached invoices + cost summary ────────────────────────
    const invs = invoicesForEpisode(ep.id);
    const cost = totalCostForEpisode(ep.id);
    wrap.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', marginTop: 'var(--tb-sp-3)' },
    },
      el('div', { style: { fontWeight: '600' } }, '🧾 ' + t('ht.episodes.attached.invoices') + ' (' + invs.length + ')'),
      el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { fontSize: 'var(--tb-fs-12)' },
        onclick: () => openInvoiceEditModal(null, { episode_id: ep.id }),
      }, '+ ' + t('ht.episodes.attached.invoices.add')),
    ));
    if (invs.length === 0) {
      wrap.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: '4px' } }, t('ht.episodes.attached.invoices.empty')));
    } else {
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px', marginTop: '6px' } });
      for (const inv of invs) {
        const reimColor = inv.reimbursement_status === 'received' ? 'var(--tb-success)'
                        : inv.reimbursement_status === 'denied' ? 'var(--tb-error)'
                        : inv.reimbursement_status === 'submitted' || inv.reimbursement_status === 'pending' ? 'var(--tb-warn)'
                        : 'var(--tb-text-soft)';
        list.appendChild(el('div', {
          style: {
            padding: 'var(--tb-sp-1) var(--tb-sp-3)', background: 'var(--tb-bg-elev)',
            borderRadius: 'var(--tb-radius-1)',
            display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)',
          },
        },
          el('div', null,
            el('div', null,
              (inv.date || '?') + ' · ' + (inv.provider || '?') +
              (inv.type ? ' · ' + t('ht.invoices.type.' + inv.type) : '')),
            el('div', { class: 'tb-card-meta', style: { fontSize: '11px', fontFamily: 'var(--tb-font-mono)' } },
              (inv.amount_native != null ? inv.amount_native.toLocaleString() + ' ' + (inv.currency || 'USD') : '?') +
              (inv.amount_usd_calc != null && inv.currency !== 'USD' ? ' (≈ $' + Math.round(inv.amount_usd_calc).toLocaleString() + ')' : '') +
              ' · ' +
              el('span', { style: { color: reimColor } }, t('ht.invoices.reim.' + (inv.reimbursement_status || 'na'))).outerHTML),
          ),
          el('span', { style: { display: 'flex', gap: '4px' } },
            el('button', {
              class: 'tb-btn tb-btn--ghost', type: 'button',
              style: { padding: '0 8px', fontSize: '11px' },
              onclick: () => {
                const root = document.getElementById('tb-modal-root');
                if (root) root.innerHTML = '';
                openInvoiceEditModal(inv);
              },
            }, '✎'),
            el('button', {
              class: 'tb-btn tb-btn--ghost', type: 'button',
              style: { padding: '0 8px', fontSize: '14px', color: 'var(--tb-error)' },
              onclick: () => {
                if (!deleteInvoiceWithUndo(inv.id)) return;
                recomputeEpisodeDerivedFields(ep.id);
                const refreshed = getEpisodes().find((x) => x.id === ep.id);
                const root = document.getElementById('tb-modal-root');
                if (root) root.innerHTML = '';
                openEpisodeEditModal(refreshed || ep);
              },
            }, '×'),
          ),
        ));
      }
      wrap.appendChild(list);
    }
    if (cost.gross > 0) {
      wrap.appendChild(el('div', {
        style: {
          marginTop: 'var(--tb-sp-2)', padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg-elev)', borderRadius: 'var(--tb-radius-1)',
          display: 'flex', justifyContent: 'space-between', gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
        },
      },
        el('span', null, t('ht.episodes.cost.total') + ': '),
        el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700' } },
          '$' + Math.round(cost.gross).toLocaleString() +
          (cost.reimbursed > 0 ? '  −  $' + Math.round(cost.reimbursed).toLocaleString() + ' = $' + Math.round(cost.net).toLocaleString() + ' ' + t('ht.episodes.cost.net') : '')),
      ));
    }

    return wrap;
  }

  // Modal to pick from existing exams to attach to an episode. Lists
  // exams not already attached; click to attach + close. Useful for
  // retroactively grouping a colonoscopy episode after the fact.
  function openExamPickerForEpisode(ep) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const candidates = getExams().filter((e) => !e.episode_id || e.episode_id === ep.id);
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '560px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; openEpisodeEditModal(ep); }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, '📋 ' + t('ht.episodes.picker.exams.title')));
    modal.appendChild(el('p', { class: 'tb-card-meta' }, t('ht.episodes.picker.exams.intro')));

    if (candidates.length === 0) {
      modal.appendChild(el('p', { class: 'tb-field-help' }, t('ht.episodes.picker.exams.empty')));
    } else {
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px', maxHeight: '50vh', overflowY: 'auto' } });
      for (const e of candidates) {
        const isAttached = e.episode_id === ep.id;
        list.appendChild(el('div', {
          style: {
            padding: 'var(--tb-sp-2) var(--tb-sp-3)',
            background: isAttached ? 'rgba(46, 107, 92, 0.10)' : 'var(--tb-bg)',
            borderLeft: '3px solid ' + (isAttached ? 'var(--tb-success)' : 'var(--tb-track-health)'),
            borderRadius: 'var(--tb-radius-1)',
            display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)',
            cursor: 'pointer',
          },
          onclick: () => {
            const updated = Object.assign({}, e, { episode_id: isAttached ? null : ep.id });
            upsertExam(updated);
            // Recompute derived fields so episode metadata (start date,
            // provider, facility, diagnoses) reflects the new attachment.
            recomputeEpisodeDerivedFields(ep.id);
            close();
          },
        },
          el('div', null,
            el('div', { style: { fontWeight: '600' } },
              (e.date || '?') + ' · ' + examTypeLabel(e.type)),
            el('div', { class: 'tb-card-meta' },
              (e.provider || '') +
              (e.facility ? ' · ' + e.facility : '') +
              ((e.lab_results || []).length > 0 ? ' · ' + e.lab_results.length + ' lab(s)' : '')),
          ),
          el('span', { style: { color: isAttached ? 'var(--tb-success)' : 'var(--tb-text-soft)' } },
            isAttached ? '✓ ' + t('ht.episodes.picker.attached') : '+ ' + t('ht.episodes.picker.attach')),
        ));
      }
      modal.appendChild(list);
    }
    modal.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'flex-end', marginTop: 'var(--tb-sp-3)' },
    },
      el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.episodes.picker.done')),
    ));
    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  function openMedPickerForEpisode(ep) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const candidates = getMeds().filter((m) => !m.episode_id || m.episode_id === ep.id);
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '560px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; openEpisodeEditModal(ep); }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, '💊 ' + t('ht.episodes.picker.meds.title')));
    modal.appendChild(el('p', { class: 'tb-card-meta' }, t('ht.episodes.picker.meds.intro')));

    if (candidates.length === 0) {
      modal.appendChild(el('p', { class: 'tb-field-help' }, t('ht.episodes.picker.meds.empty')));
    } else {
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px', maxHeight: '50vh', overflowY: 'auto' } });
      for (const m of candidates) {
        const isAttached = m.episode_id === ep.id;
        list.appendChild(el('div', {
          style: {
            padding: 'var(--tb-sp-2) var(--tb-sp-3)',
            background: isAttached ? 'rgba(46, 107, 92, 0.10)' : 'var(--tb-bg)',
            borderLeft: '3px solid ' + (isAttached ? 'var(--tb-success)' : 'var(--tb-track-health)'),
            borderRadius: 'var(--tb-radius-1)',
            display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)',
            cursor: 'pointer',
          },
          onclick: () => {
            const updated = Object.assign({}, m, { episode_id: isAttached ? null : ep.id });
            upsertMed(updated);
            recomputeEpisodeDerivedFields(ep.id);
            close();
          },
        },
          el('div', null,
            el('div', { style: { fontWeight: '600' } }, (m.name || '?')),
            el('div', { class: 'tb-card-meta' },
              (m.dosage ? m.dosage + (m.dosage_unit || '') : '') +
              (m.frequency ? ' · ' + m.frequency : '') +
              (m.started_date ? ' · ' + m.started_date : '')),
          ),
          el('span', { style: { color: isAttached ? 'var(--tb-success)' : 'var(--tb-text-soft)' } },
            isAttached ? '✓ ' + t('ht.episodes.picker.attached') : '+ ' + t('ht.episodes.picker.attach')),
        ));
      }
      modal.appendChild(list);
    }
    modal.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'flex-end', marginTop: 'var(--tb-sp-3)' },
    },
      el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.episodes.picker.done')),
    ));
    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Invoice add/edit modal ───────────────────────────────────────
  function openInvoiceEditModal(existing, opts) {
    opts = opts || {};
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const isEdit = !!existing;
    const draft = existing ? Object.assign({}, existing) : {
      id: 'inv-' + Date.now().toString(36),
      date: new Date().toISOString().slice(0, 10),
      provider: '',
      facility: '',
      amount_native: null,
      currency: 'USD',
      amount_usd_calc: null,
      type: 'visit',
      paid: false,
      paid_date: null,
      insurance_billed: false,
      reimbursement_status: 'na',
      reimbursed_native: null,
      reimbursed_currency: 'USD',
      reimbursed_usd_calc: null,
      episode_id: opts.episode_id || null,
      exam_id: opts.exam_id || null,
      medication_id: opts.medication_id || null,
      vault_doc_id: null,
      notes: '',
      created_at: new Date().toISOString(),
      updated_at: new Date().toISOString(),
    };

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '640px' } });
    backdrop.appendChild(modal);
    function close() {
      root.innerHTML = '';
      // Return to the parent record's modal when one is set. Exam takes
      // precedence over episode — when both are linked, the user came
      // from the exam's "Linked invoices" section and expects to land
      // back there. Falls through to episode for episode-rooted opens.
      if (draft.exam_id) {
        const ex = getExams().find((e) => e.id === draft.exam_id);
        if (ex) { openExamEditModal(ex); return; }
      }
      if (draft.episode_id) {
        const ep = getEpisodes().find((e) => e.id === draft.episode_id);
        if (ep) openEpisodeEditModal(ep);
      }
    }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('button', { class: 'tb-modal-close', type: 'button', onclick: close }, '×'));
    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      (isEdit ? t('ht.invoices.edit') : t('ht.invoices.add'))));

    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.invoices.field.date'),
        dateInput(draft.date, (v) => { draft.date = v; })),
      field(t('ht.invoices.field.type'), el('select', {
        class: 'tb-select',
        onchange: (e) => { draft.type = e.target.value; },
      },
        ['visit', 'lab', 'procedure', 'rx', 'imaging', 'er', 'dental', 'other'].map((k) =>
          el('option', { value: k, selected: draft.type === k }, t('ht.invoices.type.' + k))),
      )),
    ));

    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.invoices.field.provider'),
        textInput(draft.provider, (v) => { draft.provider = v; })),
      field(t('ht.invoices.field.facility'),
        textInput(draft.facility, (v) => { draft.facility = v; })),
    ));

    // Amount + currency — currency pick auto-updates USD calc
    function recomputeUsdCalc() {
      if (draft.currency === 'USD') {
        draft.amount_usd_calc = draft.amount_native;
      } else if (TB.assets && typeof TB.assets.toUsd === 'function') {
        const u = TB.assets.toUsd(draft.amount_native, draft.currency);
        draft.amount_usd_calc = (u != null && isFinite(u)) ? u : null;
      }
      if (draft.reimbursed_currency === 'USD') {
        draft.reimbursed_usd_calc = draft.reimbursed_native;
      } else if (TB.assets && typeof TB.assets.toUsd === 'function') {
        const u = TB.assets.toUsd(draft.reimbursed_native, draft.reimbursed_currency);
        draft.reimbursed_usd_calc = (u != null && isFinite(u)) ? u : null;
      }
    }

    const amountInput = el('input', {
      type: 'number', step: 'any', class: 'tb-input',
      style: { fontFamily: 'var(--tb-font-mono)' },
      value: draft.amount_native != null ? draft.amount_native : '',
      oninput: (e) => {
        const v = parseFloat(e.target.value);
        draft.amount_native = isFinite(v) ? v : null;
        recomputeUsdCalc();
        usdLabel.textContent = draft.amount_usd_calc != null && draft.currency !== 'USD'
          ? '≈ $' + Math.round(draft.amount_usd_calc).toLocaleString() : '';
      },
    });
    const currencySel = el('select', {
      class: 'tb-select',
      onchange: (e) => {
        draft.currency = e.target.value;
        recomputeUsdCalc();
        usdLabel.textContent = draft.amount_usd_calc != null && draft.currency !== 'USD'
          ? '≈ $' + Math.round(draft.amount_usd_calc).toLocaleString() : '';
      },
    },
      ['USD', 'JPY', 'EUR', 'GBP', 'CAD', 'AUD', 'CHF'].map((c) =>
        el('option', { value: c, selected: draft.currency === c }, c)),
    );
    const usdLabel = el('span', { class: 'tb-card-meta', style: { fontFamily: 'var(--tb-font-mono)' } },
      draft.amount_usd_calc != null && draft.currency !== 'USD'
        ? '≈ $' + Math.round(draft.amount_usd_calc).toLocaleString() : '');
    modal.appendChild(field(t('ht.invoices.field.amount'),
      el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 100px', gap: 'var(--tb-sp-2)', alignItems: 'center' } },
        amountInput, currencySel),
      ''));
    modal.appendChild(el('div', { style: { textAlign: 'right', marginTop: '-12px' } }, usdLabel));

    // Paid status row
    modal.appendChild(el('div', { style: { display: 'flex', gap: 'var(--tb-sp-3)', flexWrap: 'wrap', marginTop: 'var(--tb-sp-2)' } },
      el('label', { style: { display: 'flex', alignItems: 'center', gap: '8px', cursor: 'pointer' } },
        el('input', {
          type: 'checkbox', checked: !!draft.paid,
          onchange: (e) => {
            draft.paid = !!e.target.checked;
            if (draft.paid && !draft.paid_date) draft.paid_date = new Date().toISOString().slice(0, 10);
          },
        }),
        el('span', null, t('ht.invoices.field.paid')),
      ),
    ));

    // Reimbursement section
    modal.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-4)', fontSize: 'var(--tb-fs-14)' } },
      '🏥 ' + t('ht.invoices.reim.section')));
    modal.appendChild(field(t('ht.invoices.reim.status'), el('select', {
      class: 'tb-select',
      onchange: (e) => { draft.reimbursement_status = e.target.value; },
    },
      ['na', 'pending', 'submitted', 'received', 'denied'].map((s) =>
        el('option', { value: s, selected: draft.reimbursement_status === s }, t('ht.invoices.reim.' + s))),
    ), t('ht.invoices.reim.status.help')));

    const reimAmountInput = el('input', {
      type: 'number', step: 'any', class: 'tb-input',
      style: { fontFamily: 'var(--tb-font-mono)' },
      value: draft.reimbursed_native != null ? draft.reimbursed_native : '',
      oninput: (e) => {
        const v = parseFloat(e.target.value);
        draft.reimbursed_native = isFinite(v) ? v : null;
        recomputeUsdCalc();
      },
    });
    modal.appendChild(field(t('ht.invoices.reim.amount'), reimAmountInput,
      t('ht.invoices.reim.amount.help')));

    // Notes
    modal.appendChild(field(t('ht.invoices.field.notes'),
      textareaInput(draft.notes, (v) => { draft.notes = v; })));

    // Buttons
    const btnRow = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', marginTop: 'var(--tb-sp-4)' },
    });
    if (isEdit) {
      btnRow.appendChild(el('button', {
        class: 'tb-btn tb-btn--danger', type: 'button',
        onclick: () => {
          if (!deleteInvoiceWithUndo(draft.id)) return;
          close();
        },
      }, t('ht.delete')));
    } else {
      btnRow.appendChild(el('span'));
    }
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')));
    right.appendChild(el('button', {
      class: 'tb-btn', type: 'button',
      onclick: () => {
        if (draft.amount_native == null || !isFinite(draft.amount_native)) {
          alert(t('ht.invoices.field.amount.required')); return;
        }
        recomputeUsdCalc();
        draft.updated_at = new Date().toISOString();
        // If this draft came in from the AI importer (still carries
        // __pending_medications), materialize those rx records too.
        // Otherwise it's a manual edit and we just persist.
        if (Array.isArray(draft.__pending_medications) && draft.__pending_medications.length > 0) {
          saveImportedInvoiceWithMedications(draft);
        } else {
          upsertInvoice(draft);
        }
        // Recompute the parent episode's derived fields so the start
        // date / cost rollups reflect the new invoice.
        if (draft.episode_id) {
          recomputeEpisodeDerivedFields(draft.episode_id);
        }
        close();
      },
    }, t('ht.save')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ====================================================================
  // Tab: Dental
  // ====================================================================

  function renderDentalTab(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const d = getDental();

    // ─── Header card with action buttons
    const headerCard = el('div', { class: 'tb-card', 'data-track': 'health' });
    const headRow = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
    });
    headRow.appendChild(el('h2', { style: { marginTop: 0 } }, '🦷 ' + t('ht.dental.title')));
    const headActions = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)', flexWrap: 'wrap' } });
    const hasKey = TB.ai && TB.ai.hasKey && TB.ai.hasKey();
    const medOk = TB.ai && typeof TB.ai.isFeatureAllowed === 'function'
      ? TB.ai.isFeatureAllowed('medical_vision') !== false
      : true;
    if (hasKey && medOk) {
      headActions.appendChild(el('button', {
        class: 'tb-btn tb-btn--secondary', type: 'button',
        style: { fontSize: 'var(--tb-fs-12)' },
        onclick: () => openDentalVisionImportModal(),
      }, '📎 ' + t('ht.dental.upload')));
    }
    headActions.appendChild(el('button', {
      class: 'tb-btn tb-btn--ghost', type: 'button',
      style: { fontSize: 'var(--tb-fs-12)' },
      onclick: () => openDentalNoteEditModal(null),
    }, '+ ' + t('ht.dental.addEntry')));
    headRow.appendChild(headActions);
    headerCard.appendChild(headRow);
    headerCard.appendChild(el('p', { class: 'tb-card-meta' }, t('ht.dental.intro')));
    tabHost.appendChild(headerCard);

    // ─── Tooth & Gum Status chart
    tabHost.appendChild(buildToothChartCard(d));

    // ─── Dental Providers
    tabHost.appendChild(buildDentalProvidersCard());

    // ─── Treatment History
    tabHost.appendChild(buildTreatmentHistoryCard());

    // ─── Upcoming Appointments
    tabHost.appendChild(buildDentalAppointmentsCard());

    // ─── Costs & Invoice Tracking
    tabHost.appendChild(buildDentalCostsCard());

    // ─── Dental Notes & Follow-ups
    tabHost.appendChild(buildDentalNotesCard());
  }

  // ─── Tooth chart card ──────────────────────────────────────────
  function buildToothChartCard(d) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    const head = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
    });
    head.appendChild(el('h3', { style: { margin: 0 } }, '🦷 ' + t('ht.dental.chart.title')));
    head.appendChild(el('span', { class: 'tb-card-meta', style: { fontSize: '11px' } }, t('ht.dental.chart.hint')));
    card.appendChild(head);

    // SVG tooth chart — larger canvas with title cleanly above teeth
    const W = 800, H = 480;
    const svgNS = 'http://www.w3.org/2000/svg';
    const svg = document.createElementNS(svgNS, 'svg');
    svg.setAttribute('viewBox', '0 0 ' + W + ' ' + H);
    svg.setAttribute('width', '100%');
    svg.setAttribute('preserveAspectRatio', 'xMidYMid meet');
    svg.style.display = 'block';
    svg.style.marginTop = 'var(--tb-sp-2)';
    svg.style.maxHeight = '560px';

    // Title bar — sits at top with enough breathing room above arches
    const titleText = document.createElementNS(svgNS, 'text');
    titleText.setAttribute('x', W / 2);
    titleText.setAttribute('y', 20);
    titleText.setAttribute('text-anchor', 'middle');
    titleText.setAttribute('font-size', '12');
    titleText.setAttribute('fill', 'var(--tb-track-health)');
    titleText.setAttribute('font-weight', '600');
    titleText.textContent = t('ht.dental.chart.subtitle');
    svg.appendChild(titleText);

    const legendText = document.createElementNS(svgNS, 'text');
    legendText.setAttribute('x', W / 2);
    legendText.setAttribute('y', 38);
    legendText.setAttribute('text-anchor', 'middle');
    legendText.setAttribute('font-size', '9');
    legendText.setAttribute('fill', 'var(--tb-text-soft)');
    legendText.textContent = t('ht.dental.chart.legend');
    svg.appendChild(legendText);

    // Arch labels (UPPER ARCH / LOWER ARCH) — sit at the canvas edges,
    // safely outside the tooth-number rows.
    [
      { text: t('ht.dental.chart.upper'), x: 18, y: 60 },
      { text: t('ht.dental.chart.lower'), x: 18, y: 445 },
    ].forEach((lbl) => {
      const tx = document.createElementNS(svgNS, 'text');
      tx.setAttribute('x', lbl.x);
      tx.setAttribute('y', lbl.y);
      tx.setAttribute('font-size', '10');
      tx.setAttribute('fill', 'var(--tb-text-soft)');
      tx.setAttribute('font-weight', '700');
      tx.setAttribute('letter-spacing', '0.06em');
      tx.textContent = lbl.text.toUpperCase();
      svg.appendChild(tx);
    });

    // R / L labels (patient's right = viewer's left), positioned in
    // the gap between upper and lower arches near the tongue.
    [
      { text: 'R', x: 30,  y: 240, sub: t('ht.dental.chart.patientRight') },
      { text: 'L', x: 770, y: 240, sub: t('ht.dental.chart.patientLeft') },
    ].forEach((lbl) => {
      const tx = document.createElementNS(svgNS, 'text');
      tx.setAttribute('x', lbl.x);
      tx.setAttribute('y', lbl.y);
      tx.setAttribute('text-anchor', 'middle');
      tx.setAttribute('font-size', '15');
      tx.setAttribute('fill', 'var(--tb-text-soft)');
      tx.setAttribute('font-weight', '700');
      tx.textContent = lbl.text;
      svg.appendChild(tx);
      const sub = document.createElementNS(svgNS, 'text');
      sub.setAttribute('x', lbl.x);
      sub.setAttribute('y', lbl.y + 14);
      sub.setAttribute('text-anchor', 'middle');
      sub.setAttribute('font-size', '8');
      sub.setAttribute('fill', 'var(--tb-text-soft)');
      sub.textContent = lbl.sub;
      svg.appendChild(sub);
    });

    // Tongue indicator — sits between the two arches at canvas center
    const tongue = document.createElementNS(svgNS, 'ellipse');
    tongue.setAttribute('cx', W / 2);
    tongue.setAttribute('cy', 235);
    tongue.setAttribute('rx', 65);
    tongue.setAttribute('ry', 30);
    tongue.setAttribute('fill', 'rgba(220, 170, 170, 0.18)');
    svg.appendChild(tongue);
    const tongueLabel = document.createElementNS(svgNS, 'text');
    tongueLabel.setAttribute('x', W / 2);
    tongueLabel.setAttribute('y', 240);
    tongueLabel.setAttribute('text-anchor', 'middle');
    tongueLabel.setAttribute('font-size', '10');
    tongueLabel.setAttribute('fill', 'var(--tb-text-soft)');
    tongueLabel.setAttribute('font-style', 'italic');
    tongueLabel.textContent = t('ht.dental.chart.tongue');
    svg.appendChild(tongueLabel);

    // Render each tooth
    for (const layout of TOOTH_LAYOUT) {
      const tooth = getDentalTooth(layout.uni);
      const status = TOOTH_STATUS[tooth.status] || TOOTH_STATUS.natural;

      // Halo: gum (pink), pocket (yellow), bleeding (red)
      if (tooth.has_bleeding || tooth.has_pocket || tooth.status !== 'missing') {
        const halo = document.createElementNS(svgNS, 'circle');
        halo.setAttribute('cx', layout.x);
        halo.setAttribute('cy', layout.y);
        halo.setAttribute('r', 22);
        if (tooth.has_bleeding) {
          halo.setAttribute('fill', 'rgba(239, 68, 68, 0.18)');
        } else if (tooth.has_pocket) {
          halo.setAttribute('fill', 'rgba(245, 158, 11, 0.18)');
        } else {
          halo.setAttribute('fill', 'rgba(244, 196, 196, 0.18)');
        }
        svg.appendChild(halo);
      }

      // Tooth body — square with rounded corners + status color
      const group = document.createElementNS(svgNS, 'g');
      group.style.cursor = 'pointer';
      group.addEventListener('click', () => openToothEditModal(layout.uni));
      const rect = document.createElementNS(svgNS, 'rect');
      const isMissing = tooth.status === 'missing';
      // Outline color shifts when the tooth has a clinical alert flag:
      // red border for cavity or treatment-needed, orange for observation.
      let outlineColor = status.border;
      let outlineWidth = 1.5;
      if (tooth.has_cavity || tooth.needs_treatment) {
        outlineColor = 'var(--tb-error)';
        outlineWidth = 2.5;
      } else if (tooth.needs_observation) {
        outlineColor = '#f59e0b';
        outlineWidth = 2.5;
      }
      rect.setAttribute('x', layout.x - 14);
      rect.setAttribute('y', layout.y - 14);
      rect.setAttribute('width', 28);
      rect.setAttribute('height', 28);
      rect.setAttribute('rx', 5);
      rect.setAttribute('fill', isMissing ? 'transparent' : status.color);
      rect.setAttribute('stroke', outlineColor);
      rect.setAttribute('stroke-width', outlineWidth);
      rect.setAttribute('stroke-dasharray', isMissing ? '3,2' : '');
      group.appendChild(rect);
      // Small red dot inside the tooth for cavity (separate from
      // needs-treatment so caries vs. planned-restoration are
      // distinguishable at a glance).
      if (tooth.has_cavity) {
        const cavityDot = document.createElementNS(svgNS, 'circle');
        cavityDot.setAttribute('cx', layout.x + 8);
        cavityDot.setAttribute('cy', layout.y - 8);
        cavityDot.setAttribute('r', 3);
        cavityDot.setAttribute('fill', 'var(--tb-error)');
        cavityDot.setAttribute('stroke', 'white');
        cavityDot.setAttribute('stroke-width', '1');
        group.appendChild(cavityDot);
      }
      // Hover-to-grow effect via title (native SVG tooltip)
      const title = document.createElementNS(svgNS, 'title');
      title.textContent = '#' + layout.uni + ' (FDI ' + layout.fdi + ') · ' + (lang === 'ja' ? status.label_jp : status.label_en);
      group.appendChild(title);
      svg.appendChild(group);

      // Number label — Universal (bold) + FDI (parens) above tooth
      const labelOffset = layout.arch === 'upper' ? -22 : 26;
      const uniText = document.createElementNS(svgNS, 'text');
      uniText.setAttribute('x', layout.x);
      uniText.setAttribute('y', layout.y + labelOffset);
      uniText.setAttribute('text-anchor', 'middle');
      uniText.setAttribute('font-size', '10');
      uniText.setAttribute('font-weight', '600');
      uniText.setAttribute('fill', 'var(--tb-text)');
      uniText.textContent = String(layout.uni);
      svg.appendChild(uniText);
      const fdiText = document.createElementNS(svgNS, 'text');
      fdiText.setAttribute('x', layout.x);
      fdiText.setAttribute('y', layout.y + labelOffset + 10);
      fdiText.setAttribute('text-anchor', 'middle');
      fdiText.setAttribute('font-size', '8');
      fdiText.setAttribute('fill', 'var(--tb-text-soft)');
      fdiText.textContent = '(' + layout.fdi + ')';
      svg.appendChild(fdiText);
    }

    card.appendChild(svg);

    // Counts row + cavity/treatment/observation counters
    let natural = 0, fillings = 0, crowns = 0, missing = 0, other = 0;
    let cavities = 0, needTreatment = 0, needObservation = 0;
    for (const layout of TOOTH_LAYOUT) {
      const tt = getDentalTooth(layout.uni);
      if (tt.status === 'natural') natural++;
      else if (tt.status === 'filling') fillings++;
      else if (tt.status === 'crown') crowns++;
      else if (tt.status === 'missing') missing++;
      else other++;
      if (tt.has_cavity) cavities++;
      if (tt.needs_treatment) needTreatment++;
      if (tt.needs_observation) needObservation++;
    }

    // Treatment-status counter row (shows even when all zero — that's
    // useful info itself, "0 cavities" is reassuring).
    const txCountsRow = el('div', {
      style: {
        display: 'flex', justifyContent: 'center', gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
        marginTop: 'var(--tb-sp-2)', padding: 'var(--tb-sp-2)',
        borderTop: '1px solid var(--tb-border)', fontSize: 'var(--tb-fs-12)',
      },
    });
    function txBadge(label, count, color) {
      const isClean = count === 0;
      return el('div', {
        style: {
          display: 'flex', alignItems: 'center', gap: '6px',
          padding: '4px 12px', borderRadius: 'var(--tb-radius-pill)',
          background: isClean ? 'rgba(34, 139, 34, 0.10)' : color + '22',
          color: isClean ? 'var(--tb-success)' : color,
          fontWeight: '600',
        },
      },
        el('span', { style: { fontSize: '13px' } }, isClean ? '✓' : '⚠'),
        el('span', null, label + ': '),
        el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700' } }, String(count)),
      );
    }
    txCountsRow.appendChild(txBadge(t('ht.dental.chart.cavities'), cavities, 'var(--tb-error)'));
    txCountsRow.appendChild(txBadge(t('ht.dental.chart.needTreatment'), needTreatment, 'var(--tb-warn)'));
    txCountsRow.appendChild(txBadge(t('ht.dental.chart.needObservation'), needObservation, 'var(--tb-warn)'));
    card.appendChild(txCountsRow);
    const countsRow = el('div', {
      style: { display: 'flex', justifyContent: 'center', gap: 'var(--tb-sp-4)', flexWrap: 'wrap',
        marginTop: 'var(--tb-sp-2)', padding: 'var(--tb-sp-2)',
        borderTop: '1px solid var(--tb-border)', fontSize: 'var(--tb-fs-12)' },
    });
    function countCell(swatch, value, label, swatchProps) {
      const cell = el('div', { style: { display: 'flex', alignItems: 'center', gap: '6px' } });
      const sq = el('span', {
        style: Object.assign({
          width: '14px', height: '14px', borderRadius: '3px',
          display: 'inline-block', flexShrink: '0',
        }, swatchProps || {}),
      });
      cell.appendChild(sq);
      cell.appendChild(el('div', null,
        el('span', { style: { fontWeight: '600', marginRight: '4px' } }, label),
        el('span', { class: 'tb-card-meta' }, value + ' ' + t('ht.dental.chart.teeth')),
      ));
      return cell;
    }
    countsRow.appendChild(countCell(null, natural, t('ht.dental.chart.natural'),
      { background: 'transparent', border: '1.5px solid var(--tb-text-soft)' }));
    countsRow.appendChild(countCell(null, fillings, t('ht.dental.chart.filling'),
      { background: TOOTH_STATUS.filling.color }));
    countsRow.appendChild(countCell(null, crowns, t('ht.dental.chart.crown'),
      { background: TOOTH_STATUS.crown.color }));
    countsRow.appendChild(countCell(null, missing, t('ht.dental.chart.missing'),
      { background: 'transparent', border: '1.5px dashed var(--tb-text-soft)' }));
    card.appendChild(countsRow);

    // Periodontal stats — auto-computed from teeth
    const perio = d.periodontal || {};

    // ─── Pocket depth distribution stacked bar (v0.53)
    // Shows the breakdown of all probed sites by depth: healthy (1-3mm),
    // mild (4-6mm), severe (7+mm). When the data is present, this replaces
    // the abstract "% pockets 4mm+" with a fuller picture.
    if (perio.pocket_dist_healthy_pct != null ||
        perio.pocket_dist_mild_pct != null ||
        perio.pocket_dist_severe_pct != null) {
      const distContainer = el('div', {
        style: { marginTop: 'var(--tb-sp-3)', paddingTop: 'var(--tb-sp-2)',
          borderTop: '1px solid var(--tb-border)' },
      });
      distContainer.appendChild(el('div', {
        style: { fontSize: '10px', fontWeight: '700', letterSpacing: '0.04em',
          textTransform: 'uppercase', color: 'var(--tb-text-soft)',
          marginBottom: '6px' },
      }, t('ht.dental.perio.distribution.title')));
      distContainer.appendChild(el('div', {
        class: 'tb-card-meta',
        style: { fontSize: '11px', marginBottom: '8px' },
      }, t('ht.dental.perio.distribution.intro')));

      const healthy = perio.pocket_dist_healthy_pct || 0;
      const mild = perio.pocket_dist_mild_pct || 0;
      const severe = perio.pocket_dist_severe_pct || 0;
      const total = healthy + mild + severe || 100;

      const barWrap = el('div', {
        style: { display: 'flex', height: '24px', borderRadius: 'var(--tb-radius-1)',
          overflow: 'hidden', border: '1px solid var(--tb-border)' },
      });
      const segments = [
        { value: healthy, color: '#7dd3c0', label: t('ht.dental.perio.distribution.healthy'), key: '1-3 mm' },
        { value: mild, color: '#f59e0b', label: t('ht.dental.perio.distribution.mild'), key: '4-6 mm' },
        { value: severe, color: '#ef4444', label: t('ht.dental.perio.distribution.severe'), key: '7+ mm' },
      ];
      for (const seg of segments) {
        if (seg.value <= 0) continue;
        const pct = (seg.value / total) * 100;
        const segEl = el('div', {
          style: {
            flex: pct.toFixed(2),
            background: seg.color,
            display: 'flex', alignItems: 'center', justifyContent: 'center',
            color: 'white', fontSize: '11px', fontWeight: '600',
            minWidth: '0',
          },
          title: seg.label + ' (' + seg.key + '): ' + seg.value + '%',
        }, pct >= 8 ? seg.value + '%' : '');
        barWrap.appendChild(segEl);
      }
      distContainer.appendChild(barWrap);

      // Legend row below bar
      const legendRow = el('div', {
        style: { display: 'flex', flexWrap: 'wrap', gap: 'var(--tb-sp-3)',
          marginTop: '6px', fontSize: '11px' },
      });
      for (const seg of segments) {
        legendRow.appendChild(el('div', {
          style: { display: 'flex', alignItems: 'center', gap: '6px' },
        },
          el('span', {
            style: { width: '12px', height: '12px', background: seg.color,
              borderRadius: '3px', display: 'inline-block' },
          }),
          el('span', null, seg.label, ' '),
          el('span', { style: { fontWeight: '600', fontFamily: 'var(--tb-font-mono)' } },
            (seg.value || 0).toFixed(1) + '%'),
          el('span', { class: 'tb-card-meta', style: { fontSize: '10px' } }, ' (' + seg.key + ')'),
        ));
      }
      distContainer.appendChild(legendRow);
      card.appendChild(distContainer);
    }

    // ─── Periodontal stats — three big numbers + trend sparklines
    const statsRow = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(3, 1fr)', gap: 'var(--tb-sp-3)',
        marginTop: 'var(--tb-sp-3)', paddingTop: 'var(--tb-sp-2)', borderTop: '1px solid var(--tb-border)' },
    });
    function statCell(label, value, target, isPct, trendSeries) {
      const tile = el('div', { style: { textAlign: 'center' } });
      tile.appendChild(el('div', {
        style: { fontSize: '10px', textTransform: 'uppercase', letterSpacing: '0.04em', color: 'var(--tb-text-soft)' },
      }, label));
      const numColor = value == null ? 'var(--tb-text-soft)'
                     : isPct && value > target ? 'var(--tb-error)'
                     : !isPct && value > 0 ? 'var(--tb-warn)'
                     : 'var(--tb-success)';
      tile.appendChild(el('div', {
        style: { fontSize: '20px', fontWeight: '700', fontFamily: 'var(--tb-font-mono)', color: numColor },
      }, value == null ? '—' : (isPct ? value + '%' : String(value))));
      if (isPct && target != null) {
        tile.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: '10px' } },
          t('ht.dental.perio.target', { v: target })));
      }
      // Trend sparkline (only when ≥2 historical data points)
      if (Array.isArray(trendSeries) && trendSeries.length >= 2) {
        tile.appendChild(buildSparkline(trendSeries, { title: label }));
      }
      return tile;
    }
    // Build trend series from notes_log periodontal_snapshots
    const perioHistory = getDentalNotesLog()
      .filter((n) => n.periodontal_snapshot && n.date)
      .sort((a, b) => (a.date || '').localeCompare(b.date || ''));
    function trendFor(key, target) {
      const out = [];
      for (const n of perioHistory) {
        const snap = n.periodontal_snapshot || {};
        if (typeof snap[key] !== 'number') continue;
        out.push({
          date: n.date,
          value: snap[key],
          flag: target != null && snap[key] > target ? 'high' : 'normal',
        });
      }
      return out;
    }
    statsRow.appendChild(statCell(t('ht.dental.perio.pockets'),
      perio.pockets_4mm_pct, perio.target_pocket_pct || 10, true,
      trendFor('pockets_4mm_pct', perio.target_pocket_pct || 10)));
    statsRow.appendChild(statCell(t('ht.dental.perio.bop'),
      perio.bleeding_on_probing_pct, perio.target_bop_pct || 10, true,
      trendFor('bleeding_on_probing_pct', perio.target_bop_pct || 10)));
    statsRow.appendChild(statCell(t('ht.dental.perio.mobile'),
      perio.mobile_teeth || 0, null, false,
      trendFor('mobile_teeth', null)));
    card.appendChild(statsRow);

    return card;
  }

  // ─── Single-tooth edit modal ──────────────────────────────────
  function openToothEditModal(uni) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const layout = TOOTH_LAYOUT.find((x) => x.uni === uni);
    const tooth = JSON.parse(JSON.stringify(getDentalTooth(uni)));

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '480px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      '🦷 ' + t('ht.dental.tooth.title', { uni, fdi: layout ? layout.fdi : '' })));

    modal.appendChild(field(t('ht.dental.tooth.status'), el('select', {
      class: 'tb-select',
      onchange: (e) => { tooth.status = e.target.value; },
    },
      TOOTH_STATUS_ORDER.map((s) => el('option', { value: s, selected: tooth.status === s },
        lang === 'ja' ? TOOTH_STATUS[s].label_jp : TOOTH_STATUS[s].label_en)),
    )));

    // Periodontal flags
    modal.appendChild(el('h3', { style: { fontSize: 'var(--tb-fs-12)', marginTop: 'var(--tb-sp-2)', marginBottom: '4px',
      color: 'var(--tb-text-soft)', textTransform: 'uppercase', letterSpacing: '0.04em' } },
      t('ht.dental.tooth.section.perio')));
    modal.appendChild(el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px' } },
      el('label', { style: { display: 'flex', alignItems: 'center', gap: '8px', cursor: 'pointer' } },
        el('input', {
          type: 'checkbox', checked: !!tooth.has_pocket,
          onchange: (e) => { tooth.has_pocket = !!e.target.checked; },
        }),
        el('span', null, t('ht.dental.tooth.pocket')),
      ),
      el('label', { style: { display: 'flex', alignItems: 'center', gap: '8px', cursor: 'pointer' } },
        el('input', {
          type: 'checkbox', checked: !!tooth.has_bleeding,
          onchange: (e) => { tooth.has_bleeding = !!e.target.checked; },
        }),
        el('span', null, t('ht.dental.tooth.bleeding')),
      ),
      el('label', { style: { display: 'flex', alignItems: 'center', gap: '8px', cursor: 'pointer' } },
        el('input', {
          type: 'checkbox', checked: !!tooth.is_mobile,
          onchange: (e) => { tooth.is_mobile = !!e.target.checked; },
        }),
        el('span', null, t('ht.dental.tooth.mobile')),
      ),
    ));

    // Clinical alert flags (cavity / treatment / observation)
    modal.appendChild(el('h3', { style: { fontSize: 'var(--tb-fs-12)', marginTop: 'var(--tb-sp-3)', marginBottom: '4px',
      color: 'var(--tb-text-soft)', textTransform: 'uppercase', letterSpacing: '0.04em' } },
      t('ht.dental.tooth.section.alerts')));
    modal.appendChild(el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px' } },
      el('label', { style: { display: 'flex', alignItems: 'center', gap: '8px', cursor: 'pointer' } },
        el('input', {
          type: 'checkbox', checked: !!tooth.has_cavity,
          onchange: (e) => { tooth.has_cavity = !!e.target.checked; },
        }),
        el('span', null, '🔴 ' + t('ht.dental.tooth.cavity')),
      ),
      el('label', { style: { display: 'flex', alignItems: 'center', gap: '8px', cursor: 'pointer' } },
        el('input', {
          type: 'checkbox', checked: !!tooth.needs_treatment,
          onchange: (e) => { tooth.needs_treatment = !!e.target.checked; },
        }),
        el('span', null, '⚠ ' + t('ht.dental.tooth.needsTreatment')),
      ),
      el('label', { style: { display: 'flex', alignItems: 'center', gap: '8px', cursor: 'pointer' } },
        el('input', {
          type: 'checkbox', checked: !!tooth.needs_observation,
          onchange: (e) => { tooth.needs_observation = !!e.target.checked; },
        }),
        el('span', null, '👁 ' + t('ht.dental.tooth.needsObservation')),
      ),
    ));

    modal.appendChild(field(t('ht.dental.tooth.pocketDepth'),
      numInput(tooth.pocket_max_mm, (v) => { tooth.pocket_max_mm = v; }),
      t('ht.dental.tooth.pocketDepth.help')));

    modal.appendChild(field(t('ht.dental.tooth.notes'),
      textareaInput(tooth.notes, (v) => { tooth.notes = v; })));

    const btnRow = el('div', {
      style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' },
    });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')));
    btnRow.appendChild(el('button', {
      class: 'tb-btn', type: 'button',
      onclick: () => {
        setDentalTooth(uni, tooth);
        close();
        rerender();
      },
    }, t('ht.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Dental Providers card ────────────────────────────────────
  function buildDentalProvidersCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('h3', { style: { margin: 0 } }, '🏥 ' + t('ht.dental.providers.title')));
    const providers = getDentalProviders();
    if (providers.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-1)' } }, t('ht.dental.providers.empty')));
    } else {
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-2)' } });
      for (const p of providers) {
        const row = el('div', {
          style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'var(--tb-bg)',
            borderRadius: 'var(--tb-radius-1)', display: 'flex', justifyContent: 'space-between',
            alignItems: 'flex-start', gap: 'var(--tb-sp-2)' },
        });
        const main = el('div', { style: { flex: '1', minWidth: '0' } });
        main.appendChild(el('div', { style: { fontWeight: '600' } },
          (p.name_en || p.name_jp || '?') + (p.type ? ' (' + p.type + ')' : '')));
        if (p.name_en && p.name_jp) {
          main.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: '11px' } },
            p.name_jp + ' · ' + p.name_en));
        }
        const subParts = [];
        if (p.address) subParts.push(p.address);
        if (p.phone) {
          // Click-to-call link
          const tel = String(p.phone).replace(/[^\d+]/g, '');
          subParts.push(el('a', { href: 'tel:' + tel, style: { color: 'inherit' } }, p.phone));
        }
        if (subParts.length > 0) {
          const meta = el('div', { class: 'tb-card-meta', style: { fontSize: '11px', marginTop: '4px' } });
          subParts.forEach((part, i) => {
            if (i > 0) meta.appendChild(el('span', null, ' · '));
            if (typeof part === 'string') meta.appendChild(el('span', null, part));
            else meta.appendChild(part);
          });
          main.appendChild(meta);
        }
        // Website (clickable) + hours on a second meta line
        const onlineBits = [];
        if (p.website) {
          const url = /^https?:\/\//.test(p.website) ? p.website : ('https://' + p.website);
          onlineBits.push(el('a', {
            href: url, target: '_blank', rel: 'noopener noreferrer',
            style: { color: 'var(--tb-track-health)' },
          }, '🌐 ' + p.website));
        }
        if (p.hours) onlineBits.push(el('span', null, '🕒 ' + p.hours));
        if (onlineBits.length > 0) {
          const onlineRow = el('div', { class: 'tb-card-meta', style: { fontSize: '11px', marginTop: '4px', display: 'flex', gap: '8px', flexWrap: 'wrap' } });
          for (const ob of onlineBits) onlineRow.appendChild(ob);
          main.appendChild(onlineRow);
        }
        // AI-enriched indicator
        if (p.ai_enriched_at) {
          main.appendChild(el('div', {
            class: 'tb-card-meta',
            style: { fontSize: '10px', marginTop: '2px', color: 'var(--tb-track-ai)', fontStyle: 'italic' },
          }, '✨ ' + t('ht.dental.providers.aiEnriched', { date: p.ai_enriched_at.slice(0, 10) })));
        }
        row.appendChild(main);
        const actions = el('div', { style: { display: 'flex', gap: '4px', flexShrink: '0', flexWrap: 'wrap' } });
        const hasKey = TB.ai && TB.ai.hasKey && TB.ai.hasKey();
        if (hasKey) {
          // ✨ Quick Enhance — fills missing fields in place without opening modal
          actions.appendChild(el('button', {
            class: 'tb-btn tb-btn--ghost', type: 'button',
            style: { padding: '2px 8px', fontSize: '11px', color: 'var(--tb-track-ai)' },
            title: t('ht.dental.providers.enhance.help'),
            onclick: async (e) => {
              const btn = e.target;
              btn.disabled = true;
              btn.textContent = '⏳';
              try {
                const result = await TB.ai.callClaudeForProviderEnrichment({
                  name_en: p.name_en, name_jp: p.name_jp, type: p.type,
                  address: p.address, phone: p.phone,
                });
                const en = result.extracted || {};
                if (!p.name_en && en.name_en) p.name_en = en.name_en;
                if (!p.name_jp && en.name_jp) p.name_jp = en.name_jp;
                if (!p.address && en.address) p.address = en.address;
                if (!p.phone && en.phone) p.phone = en.phone;
                if (!p.website && en.website) p.website = en.website;
                if (!p.hours && en.hours) p.hours = en.hours;
                if (en.specialties || en.notes) {
                  const extra = ['Enhanced by AI'];
                  if (en.specialties) extra.push('Specialties: ' + en.specialties);
                  if (en.notes) extra.push(en.notes);
                  const cur = (p.notes || '').trim();
                  p.notes = cur ? cur + '\n\n— ' + extra.join('\n') : extra.join('\n');
                }
                p.ai_enriched_at = new Date().toISOString();
                upsertDentalProvider(p);
                rerender();
              } catch (err) {
                btn.disabled = false;
                btn.textContent = '✨';
                alert('AI enhance failed: ' + (err.message || err));
              }
            },
          }, '✨'));
        }
        actions.appendChild(el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '0 6px', fontSize: '12px' },
          onclick: () => openDentalProviderEditModal(p),
        }, '✎'));
        actions.appendChild(el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '0 6px', fontSize: '12px', color: 'var(--tb-error)' },
          onclick: () => { if (deleteDentalProviderWithUndo(p.id)) rerender(); },
        }, '×'));
        row.appendChild(actions);
        list.appendChild(row);
      }
      card.appendChild(list);
    }
    card.appendChild(el('button', {
      class: 'tb-btn tb-btn--ghost', type: 'button',
      style: { fontSize: 'var(--tb-fs-12)', marginTop: 'var(--tb-sp-2)' },
      onclick: () => openDentalProviderEditModal(null),
    }, '+ ' + t('ht.dental.providers.add')));
    return card;
  }

  function openDentalProviderEditModal(existing) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const isEdit = !!existing;
    const draft = existing ? JSON.parse(JSON.stringify(existing)) : {
      id: (TB.utils && TB.utils.uuid) ? TB.utils.uuid() : ('dp-' + Date.now().toString(36)),
      name_en: '', name_jp: '', type: '',
      address: '', phone: '', email: '',
      website: '', hours: '',
      notes: '',
      created_at: new Date().toISOString(),
    };
    // Ensure new optional fields exist for legacy entries
    if (typeof draft.website !== 'string') draft.website = '';
    if (typeof draft.hours !== 'string') draft.hours = '';
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '560px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });
    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      isEdit ? t('ht.dental.providers.editTitle') : t('ht.dental.providers.addTitle')));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.dental.providers.nameEn'), textInput(draft.name_en, (v) => draft.name_en = v)),
      field(t('ht.dental.providers.nameJp'), textInput(draft.name_jp, (v) => draft.name_jp = v)),
    ));
    modal.appendChild(field(t('ht.dental.providers.type'), textInput(draft.type, (v) => draft.type = v),
      t('ht.dental.providers.type.help')));
    modal.appendChild(field(t('ht.dental.providers.address'), textareaInput(draft.address, (v) => draft.address = v)));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.dental.providers.phone'), textInput(draft.phone, (v) => draft.phone = v)),
      field(t('ht.dental.providers.email'), textInput(draft.email, (v) => draft.email = v)),
    ));
    // Inputs we need a ref to for the Enhance button to update live
    const websiteInput = textInput(draft.website, (v) => draft.website = v);
    const hoursInput = textareaInput(draft.hours, (v) => draft.hours = v);
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.dental.providers.website'), websiteInput),
      field(t('ht.dental.providers.hours'), hoursInput),
    ));
    modal.appendChild(field(t('ht.dental.providers.notes'), textareaInput(draft.notes, (v) => draft.notes = v)));

    // ✨ Enhance with AI button — fills in missing fields from public
    // knowledge (Claude's training data). Sends ONLY the clinic name +
    // type to the API; never PHI.
    const enhanceStatus = el('div', {
      style: { fontSize: '11px', color: 'var(--tb-text-soft)', marginTop: 'var(--tb-sp-1)' },
    });
    const hasKey = TB.ai && TB.ai.hasKey && TB.ai.hasKey();
    if (hasKey && (draft.name_en || draft.name_jp)) {
      modal.appendChild(el('div', {
        style: { display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'rgba(46, 107, 92, 0.06)',
          borderRadius: 'var(--tb-radius-1)',
          marginTop: 'var(--tb-sp-3)',
          flexWrap: 'wrap',
        },
      },
        el('button', {
          class: 'tb-btn tb-btn--secondary', type: 'button',
          style: { fontSize: '11px' },
          onclick: async (e) => {
            const btn = e.target;
            btn.disabled = true;
            enhanceStatus.textContent = '⏳ ' + t('ht.dental.providers.enhance.processing');
            try {
              const result = await TB.ai.callClaudeForProviderEnrichment({
                name_en: draft.name_en,
                name_jp: draft.name_jp,
                type: draft.type,
                address: draft.address,
                phone: draft.phone,
              });
              const en = result.extracted || {};
              const filled = [];
              // Fill ONLY blank fields — never overwrite user-entered data
              if (!draft.name_en && en.name_en) { draft.name_en = en.name_en; filled.push('name_en'); }
              if (!draft.name_jp && en.name_jp) { draft.name_jp = en.name_jp; filled.push('name_jp'); }
              if (!draft.address && en.address) { draft.address = en.address; filled.push('address'); }
              if (!draft.phone && en.phone) { draft.phone = en.phone; filled.push('phone'); }
              if (!draft.website && en.website) { draft.website = en.website; filled.push('website'); websiteInput.value = en.website; }
              if (!draft.hours && en.hours) { draft.hours = en.hours; filled.push('hours'); hoursInput.value = en.hours; }
              // Append specialties + notes
              if (en.specialties || en.notes) {
                const extra = ['Enhanced by AI'];
                if (en.specialties) extra.push('Specialties: ' + en.specialties);
                if (en.notes) extra.push(en.notes);
                const cur = (draft.notes || '').trim();
                draft.notes = cur ? cur + '\n\n— ' + extra.join('\n') : extra.join('\n');
                filled.push('notes');
              }
              const cost = (result.cost_usd || 0).toFixed(4);
              if (filled.length === 0) {
                enhanceStatus.textContent = '⚠ ' + t('ht.dental.providers.enhance.nothing') + ' · $' + cost;
                enhanceStatus.style.color = 'var(--tb-warn)';
              } else if (en.confidence === 'unknown' || en.confidence === 'low') {
                enhanceStatus.textContent = '⚠ ' + t('ht.dental.providers.enhance.lowConf', { confidence: en.confidence }) + ' · $' + cost;
                enhanceStatus.style.color = 'var(--tb-warn)';
              } else {
                enhanceStatus.textContent = '✓ ' + t('ht.dental.providers.enhance.done', { n: filled.length, cost });
                enhanceStatus.style.color = 'var(--tb-success)';
              }
              // Re-render the modal in place to reflect updates
              draft.ai_enriched_at = new Date().toISOString();
              upsertDentalProvider(draft);
              setTimeout(() => { close(); openDentalProviderEditModal(draft); }, 800);
            } catch (err) {
              enhanceStatus.textContent = '✗ ' + (err.message || err);
              enhanceStatus.style.color = 'var(--tb-error)';
              btn.disabled = false;
            }
          },
        }, '✨ ' + t('ht.dental.providers.enhance')),
        el('span', { class: 'tb-card-meta', style: { fontSize: '11px', flex: '1', minWidth: '200px' } },
          t('ht.dental.providers.enhance.help')),
        enhanceStatus,
      ));
    }

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'space-between', marginTop: 'var(--tb-sp-4)' } });
    if (isEdit) {
      btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--danger', type: 'button',
        onclick: () => { if (deleteDentalProviderWithUndo(draft.id)) { close(); rerender(); } } },
        t('ht.delete')));
    } else btnRow.appendChild(el('span'));
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')));
    right.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { upsertDentalProvider(draft); close(); rerender(); } }, t('ht.save')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);
    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Treatment History card ───────────────────────────────────
  function buildTreatmentHistoryCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'health' });

    // Header + filter + Add Procedure
    const headRow = el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' } });
    const titleArea = el('div', { style: { display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)', flexWrap: 'wrap' } });
    titleArea.appendChild(el('h3', { style: { margin: 0 } }, '📋 ' + t('ht.dental.tx.title')));

    // Year filter — All Time + each year present in the data
    const yearFilter = getDental()._tx_year_filter || 'all';
    const years = new Set();
    for (const p of getDentalProcedures()) {
      if (p.date) years.add(p.date.slice(0, 4));
    }
    const yearList = ['all'].concat(Array.from(years).sort().reverse());
    for (const y of yearList) {
      titleArea.appendChild(el('button', {
        class: 'tb-btn ' + (yearFilter === y ? 'tb-btn--secondary' : 'tb-btn--ghost'),
        type: 'button',
        style: { fontSize: '11px', padding: '2px 10px' },
        onclick: () => {
          const d = getDental();
          d._tx_year_filter = y;
          setDental(d);
          rerender();
        },
      }, y === 'all' ? t('ht.dental.tx.allTime') : y));
    }
    headRow.appendChild(titleArea);
    headRow.appendChild(el('button', {
      class: 'tb-btn', type: 'button',
      style: { fontSize: 'var(--tb-fs-12)' },
      onclick: () => openDentalProcedureEditModal(null),
    }, '+ ' + t('ht.dental.tx.add')));
    card.appendChild(headRow);

    // Latest recommendations callout (from the latest note in notes_log)
    const notes = getDentalNotesLog();
    const latestNote = notes.length > 0 ? notes[0] : null;
    if (latestNote && latestNote.recommendations) {
      card.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'rgba(245, 158, 11, 0.10)',
          borderLeft: '3px solid var(--tb-warn)',
          borderRadius: 'var(--tb-radius-1)',
          marginTop: 'var(--tb-sp-2)',
          fontSize: 'var(--tb-fs-12)',
        },
      },
        el('strong', null, t('ht.dental.tx.recommendations') + ': '),
        el('span', { style: { whiteSpace: 'pre-wrap' } }, latestNote.recommendations),
      ));
    }

    // Procedures list — filtered by year
    const procs = getDentalProcedures().filter((p) => {
      if (yearFilter === 'all') return true;
      return p.date && p.date.startsWith(yearFilter);
    });
    if (procs.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
        t('ht.dental.tx.empty')));
    } else {
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-1)', marginTop: 'var(--tb-sp-2)' } });
      for (const p of procs) list.appendChild(buildDentalProcRow(p));
      card.appendChild(list);
    }

    return card;
  }

  function buildDentalProcRow(p) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const providers = getDentalProviders();
    const prov = p.provider_id ? providers.find((x) => x.id === p.provider_id) : null;

    const row = el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)', borderLeft: '3px solid var(--tb-warn)',
        borderRadius: 'var(--tb-radius-1)',
        display: 'flex', justifyContent: 'space-between', gap: 'var(--tb-sp-2)',
      },
    });
    const main = el('div', { style: { flex: '1', minWidth: '0' } });
    const titleRow = el('div', { style: { display: 'flex', alignItems: 'center', gap: '6px', flexWrap: 'wrap' } });
    titleRow.appendChild(el('span', { class: 'tb-card-meta', style: { fontFamily: 'var(--tb-font-mono)', fontSize: '11px' } }, p.date || '?'));
    titleRow.appendChild(el('span', { style: { fontWeight: '600', color: 'var(--tb-warn)' } }, p.name_en || p.name_jp || '?'));
    if (p.name_en && p.name_jp) {
      titleRow.appendChild(el('span', { class: 'tb-card-meta', style: { fontSize: '11px' } }, '(' + p.name_jp + ')'));
    }
    if (p.invoice_id) {
      titleRow.appendChild(el('span', {
        style: { fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(46, 107, 92, 0.10)', color: 'var(--tb-track-ai)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, '🧾 ' + t('ht.dental.tx.invoiceTag')));
    }
    main.appendChild(titleRow);
    const sub = [];
    if (prov) sub.push(prov.name_en || prov.name_jp || '');
    if (p.cost != null) {
      const currency = p.currency || 'JPY';
      const sym = ({ USD: '$', JPY: '¥', EUR: '€', GBP: '£' })[currency] || (currency + ' ');
      const fmtCost = currency === 'JPY' ? Math.round(p.cost).toLocaleString() :
        Number(p.cost).toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 });
      sub.push(sym + fmtCost);
    }
    if (p.points != null) sub.push(p.points + ' pts');
    if (p.qty != null && p.qty > 1) sub.push('qty ' + p.qty);
    main.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: '11px', marginTop: '2px' } },
      sub.join(' · ')));
    if (p.code) {
      main.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: '11px', marginTop: '2px', fontFamily: 'var(--tb-font-mono)' } },
        t('ht.dental.tx.code') + ': ' + p.code));
    }
    if (p.tooth_numbers && p.tooth_numbers.length > 0) {
      main.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: '11px', marginTop: '2px' } },
        t('ht.dental.tx.teeth') + ': ' + p.tooth_numbers.join(', ')));
    }
    if (p.notes) {
      main.appendChild(el('div', { style: { marginTop: '4px', fontSize: 'var(--tb-fs-12)', whiteSpace: 'pre-wrap' } }, p.notes));
    }
    row.appendChild(main);
    row.appendChild(el('div', { style: { display: 'flex', gap: '4px' } },
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '0 6px', fontSize: '12px' },
        onclick: () => openDentalProcedureEditModal(p) }, '✎'),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '0 6px', fontSize: '12px', color: 'var(--tb-error)' },
        onclick: () => { if (deleteDentalProcedureWithUndo(p.id)) rerender(); } }, '×'),
    ));
    return row;
  }

  function openDentalProcedureEditModal(existing) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const isEdit = !!existing;
    const draft = existing ? JSON.parse(JSON.stringify(existing)) : {
      id: (TB.utils && TB.utils.uuid) ? TB.utils.uuid() : ('proc-' + Date.now().toString(36)),
      date: new Date().toISOString().slice(0, 10),
      name_en: '', name_jp: '', code: '',
      cost: null, currency: 'JPY', points: null, qty: 1,
      provider_id: null, invoice_id: null,
      tooth_numbers: [], notes: '',
    };
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '640px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });
    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      isEdit ? t('ht.dental.tx.editTitle') : t('ht.dental.tx.addTitle')));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.dental.tx.field.date'), dateInput(draft.date, (v) => draft.date = v)),
      field(t('ht.dental.tx.field.code'), textInput(draft.code, (v) => draft.code = v),
        t('ht.dental.tx.field.code.help')),
    ));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.dental.tx.field.nameEn'), textInput(draft.name_en, (v) => draft.name_en = v)),
      field(t('ht.dental.tx.field.nameJp'), textInput(draft.name_jp, (v) => draft.name_jp = v)),
    ));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 100px 1fr 80px', gap: 'var(--tb-sp-2)' } },
      field(t('ht.dental.tx.field.cost'), numInput(draft.cost, (v) => draft.cost = v)),
      field(t('ht.dental.tx.field.currency'), el('select', {
        class: 'tb-select',
        onchange: (e) => { draft.currency = e.target.value; },
      }, ['JPY', 'USD', 'EUR', 'GBP'].map((c) =>
        el('option', { value: c, selected: draft.currency === c }, c)))),
      field(t('ht.dental.tx.field.points'), numInput(draft.points, (v) => draft.points = v),
        t('ht.dental.tx.field.points.help')),
      field(t('ht.dental.tx.field.qty'), numInput(draft.qty, (v) => draft.qty = v)),
    ));
    // Provider select
    const providers = getDentalProviders();
    modal.appendChild(field(t('ht.dental.tx.field.provider'), el('select', {
      class: 'tb-select',
      onchange: (e) => { draft.provider_id = e.target.value || null; },
    },
      el('option', { value: '', selected: !draft.provider_id }, '— ' + t('ht.dental.tx.field.provider.none') + ' —'),
      ...providers.map((p) => el('option', { value: p.id, selected: draft.provider_id === p.id },
        p.name_en || p.name_jp || '?')),
    )));
    // Tooth numbers
    modal.appendChild(field(t('ht.dental.tx.field.teeth'),
      textInput((draft.tooth_numbers || []).join(', '), (v) => {
        draft.tooth_numbers = v.split(/[,\s]+/).map(x => x.trim()).filter(Boolean);
      }),
      t('ht.dental.tx.field.teeth.help')));
    modal.appendChild(field(t('ht.dental.tx.field.notes'), textareaInput(draft.notes, (v) => draft.notes = v)));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'space-between', marginTop: 'var(--tb-sp-4)' } });
    if (isEdit) {
      btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--danger', type: 'button',
        onclick: () => { if (deleteDentalProcedureWithUndo(draft.id)) { close(); rerender(); } } },
        t('ht.delete')));
    } else btnRow.appendChild(el('span'));
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')));
    right.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { upsertDentalProcedure(draft); close(); rerender(); } }, t('ht.save')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);
    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Upcoming Appointments card ───────────────────────────────
  function buildDentalAppointmentsCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('h3', { style: { margin: 0 } }, '📅 ' + t('ht.dental.appts.title')));
    const today = new Date().toISOString().slice(0, 10);
    const upcoming = getDentalAppointments().filter((a) => !a.date || a.date >= today);
    if (upcoming.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help', style: { textAlign: 'center', marginTop: 'var(--tb-sp-2)' } },
        t('ht.dental.appts.empty')));
    } else {
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px', marginTop: 'var(--tb-sp-2)' } });
      const providers = getDentalProviders();
      for (const a of upcoming) {
        const prov = a.provider_id ? providers.find((x) => x.id === a.provider_id) : null;
        list.appendChild(el('div', {
          style: { padding: 'var(--tb-sp-1) var(--tb-sp-3)', background: 'var(--tb-bg)',
            borderRadius: 'var(--tb-radius-1)', display: 'flex', justifyContent: 'space-between', gap: 'var(--tb-sp-2)' },
        },
          el('span', null,
            (a.date || '?') + (a.time ? ' ' + a.time : '') +
            (prov ? ' · ' + (prov.name_en || prov.name_jp || '?') : '') +
            (a.purpose ? ' — ' + a.purpose : '')),
          el('button', {
            class: 'tb-btn tb-btn--ghost', type: 'button',
            style: { padding: '0 6px', fontSize: '12px', color: 'var(--tb-error)' },
            onclick: () => {
              if (!confirm(t('ht.dental.appts.delete.confirm'))) return;
              deleteDentalAppointment(a.id);
              rerender();
            },
          }, '×'),
        ));
      }
      card.appendChild(list);
    }
    card.appendChild(el('button', {
      class: 'tb-btn tb-btn--ghost', type: 'button',
      style: { fontSize: 'var(--tb-fs-12)', marginTop: 'var(--tb-sp-2)' },
      onclick: () => openDentalAppointmentModal(),
    }, '+ ' + t('ht.dental.appts.add')));
    return card;
  }

  function openDentalAppointmentModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = {
      id: (TB.utils && TB.utils.uuid) ? TB.utils.uuid() : ('apt-' + Date.now().toString(36)),
      date: new Date().toISOString().slice(0, 10),
      time: '',
      provider_id: null,
      purpose: '',
      notes: '',
    };
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '480px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });
    modal.appendChild(el('h2', { style: { marginTop: 0 } }, '📅 ' + t('ht.dental.appts.addTitle')));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.dental.appts.field.date'), dateInput(draft.date, (v) => draft.date = v)),
      field(t('ht.dental.appts.field.time'), textInput(draft.time, (v) => draft.time = v),
        t('ht.dental.appts.field.time.help')),
    ));
    const providers = getDentalProviders();
    modal.appendChild(field(t('ht.dental.appts.field.provider'), el('select', {
      class: 'tb-select',
      onchange: (e) => { draft.provider_id = e.target.value || null; },
    },
      el('option', { value: '' }, '— ' + t('ht.dental.tx.field.provider.none') + ' —'),
      ...providers.map((p) => el('option', { value: p.id }, p.name_en || p.name_jp || '?')),
    )));
    modal.appendChild(field(t('ht.dental.appts.field.purpose'), textInput(draft.purpose, (v) => draft.purpose = v)));
    modal.appendChild(field(t('ht.dental.appts.field.notes'), textareaInput(draft.notes, (v) => draft.notes = v)));
    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { upsertDentalAppointment(draft); close(); rerender(); } }, t('ht.save')));
    modal.appendChild(btnRow);
    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Costs & Invoice Tracking card ────────────────────────────
  function buildDentalCostsCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('h3', { style: { margin: 0 } }, '💰 ' + t('ht.dental.costs.title')));

    const yearFilter = getDental()._tx_year_filter || 'all';
    const yearLabel = yearFilter === 'all' ? '' : ' (' + yearFilter + ')';

    // Pull invoices first (primary source of truth for billing now).
    const notes = getDentalNotesLog();
    const dentalInvoices = getInvoices().filter((i) => {
      if (i.type === 'dental') return true;
      // Also include invoices linked to dental notes (legacy linkage)
      return notes.some((n) => n.invoice_id === i.id);
    });
    function inYear(dateStr) {
      if (yearFilter === 'all') return true;
      return dateStr && dateStr.startsWith(yearFilter);
    }

    // Aggregate from dental invoices (primary) + notes_log billing
    // for visits without an invoice. Procedures cost sums are a final
    // fallback when neither invoices nor note-billing exist.
    let totalExpenses = 0, insuranceCovered = 0;
    let currency = 'JPY';

    // 1) Dental-type invoices — primary
    for (const inv of dentalInvoices) {
      if (!inYear(inv.date)) continue;
      if (typeof inv.amount_native === 'number' && isFinite(inv.amount_native)) {
        totalExpenses += inv.amount_native;
      }
      if (inv.reimbursement_status === 'received' &&
          typeof inv.reimbursed_native === 'number' && isFinite(inv.reimbursed_native)) {
        insuranceCovered += inv.reimbursed_native;
      }
      if (inv.currency) currency = inv.currency;
    }

    // 2) Note billing for visits NOT covered by a linked invoice
    const invoicedNoteIds = new Set(
      dentalInvoices.filter((i) => i.exam_id).map((i) => i.exam_id)
        .concat(notes.filter((n) => n.invoice_id).map((n) => n.id))
    );
    for (const n of notes) {
      if (!inYear(n.date)) continue;
      if (invoicedNoteIds.has(n.id)) continue;
      // Also skip when the note's billing.receipt_source matches a
      // dental invoice filename (heuristic linkage for older imports).
      const b = n.billing || {};
      if (b.receipt_source && dentalInvoices.some((i) => i.filename === b.receipt_source)) continue;
      if (typeof b.total === 'number') totalExpenses += b.total;
      if (typeof b.insurance === 'number') insuranceCovered += b.insurance;
      if (b.currency) currency = b.currency;
    }

    // 3) Procedures-only fallback when nothing else has billing
    if (totalExpenses === 0) {
      for (const p of getDentalProcedures()) {
        if (!inYear(p.date)) continue;
        if (typeof p.cost === 'number') totalExpenses += p.cost * (p.qty || 1);
        if (p.currency) currency = p.currency;
      }
    }

    const sym = ({ USD: '$', JPY: '¥', EUR: '€', GBP: '£' })[currency] || (currency + ' ');
    function fmt(v) {
      if (currency === 'JPY') return sym + Math.round(v).toLocaleString();
      return sym + Number(v).toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 });
    }

    const grid = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '6px', marginTop: 'var(--tb-sp-2)' } });
    function totalRow(label, value, color) {
      return el('div', {
        style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', padding: '6px 0',
          borderBottom: '1px solid var(--tb-border)' },
      },
        el('span', null, label),
        el('span', { style: { fontWeight: '600', fontFamily: 'var(--tb-font-mono)', color: color || 'inherit' } },
          fmt(value)),
      );
    }
    grid.appendChild(totalRow(t('ht.dental.costs.total') + yearLabel, totalExpenses, 'var(--tb-text)'));
    grid.appendChild(totalRow(t('ht.dental.costs.insurance'), insuranceCovered, 'var(--tb-track-health)'));
    grid.appendChild(totalRow(t('ht.dental.costs.oop'), totalExpenses - insuranceCovered, 'var(--tb-warn)'));
    card.appendChild(grid);

    // Invoice History with per-invoice action buttons
    if (dentalInvoices.length > 0) {
      card.appendChild(el('h4', { style: { marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)' } },
        '🧾 ' + t('ht.dental.costs.invoiceHistory')));
      const invList = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '6px', marginTop: '4px' } });
      for (const inv of dentalInvoices) {
        if (!inYear(inv.date)) continue;
        invList.appendChild(buildDentalInvoiceRow(inv));
      }
      card.appendChild(invList);
    }

    // Upload invoice button — pass prefillType so the import flow
    // knows this is dental and filters candidates appropriately.
    const hasKey = TB.ai && TB.ai.hasKey && TB.ai.hasKey();
    if (hasKey) {
      card.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { fontSize: 'var(--tb-fs-12)', marginTop: 'var(--tb-sp-2)' },
        onclick: () => openInvoiceVisionImportModal({ prefillType: 'dental' }),
      }, '🧾 ' + t('ht.dental.costs.uploadInvoice')));
    }
    return card;
  }

  // Per-invoice row in the dental costs section — surfaces paid /
  // submitted-to-insurance / reimbursed status with one-click toggles.
  function buildDentalInvoiceRow(inv) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const sym = ({ USD: '$', JPY: '¥', EUR: '€', GBP: '£' })[inv.currency || 'USD'] || ((inv.currency || '') + ' ');
    const amt = inv.amount_native != null
      ? sym + (inv.currency === 'JPY'
          ? Math.round(inv.amount_native).toLocaleString()
          : Number(inv.amount_native).toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 }))
      : '—';
    const row = el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        display: 'flex', flexDirection: 'column', gap: '6px',
        borderLeft: '3px solid ' + (inv.paid ? 'var(--tb-success)' : 'var(--tb-warn)'),
      },
    });

    // Top line: date, amount, status pills
    const topLine = el('div', {
      style: { display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)', flexWrap: 'wrap' },
    });
    topLine.appendChild(el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)' } },
      inv.date || '?'));
    topLine.appendChild(el('span', { style: { fontWeight: '700', fontFamily: 'var(--tb-font-mono)' } }, amt));
    if (inv.paid) {
      topLine.appendChild(el('span', {
        style: { fontSize: '10px', padding: '1px 8px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(34, 139, 34, 0.18)', color: 'var(--tb-success)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, '✓ ' + t('ht.dental.costs.paid')));
    } else {
      topLine.appendChild(el('span', {
        style: { fontSize: '10px', padding: '1px 8px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(200, 100, 30, 0.18)', color: 'var(--tb-warn)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, t('ht.dental.costs.unpaid')));
    }
    if (inv.reimbursement_status === 'received') {
      topLine.appendChild(el('span', {
        style: { fontSize: '10px', padding: '1px 8px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(46, 107, 92, 0.18)', color: 'var(--tb-track-health)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, '↩ ' + t('ht.dental.costs.reimbursed')));
    } else if (inv.reimbursement_status === 'submitted' || inv.reimbursement_status === 'pending') {
      topLine.appendChild(el('span', {
        style: { fontSize: '10px', padding: '1px 8px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(46, 107, 92, 0.10)', color: 'var(--tb-track-health)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, '📤 ' + t('ht.dental.costs.insSubmitted')));
    } else if (inv.reimbursement_status === 'denied') {
      topLine.appendChild(el('span', {
        style: { fontSize: '10px', padding: '1px 8px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(220, 38, 38, 0.18)', color: 'var(--tb-error)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, '✗ ' + t('ht.dental.costs.insDenied')));
    }
    row.appendChild(topLine);

    // Provider/facility meta line
    if (inv.facility || inv.provider) {
      row.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: '11px' } },
        [inv.provider, inv.facility].filter(Boolean).join(' · ')));
    }

    // Action buttons — Mark paid / Submit insurance / Reimbursed
    const actions = el('div', { style: { display: 'flex', gap: '4px', flexWrap: 'wrap' } });
    if (!inv.paid) {
      actions.appendChild(el('button', {
        class: 'tb-btn tb-btn--secondary', type: 'button',
        style: { fontSize: '11px', padding: '2px 10px' },
        onclick: () => {
          const updated = Object.assign({}, inv, {
            paid: true,
            paid_date: new Date().toISOString().slice(0, 10),
            updated_at: new Date().toISOString(),
          });
          upsertInvoice(updated);
          rerender();
        },
      }, '✓ ' + t('ht.dental.costs.markPaid')));
    } else {
      actions.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { fontSize: '11px', padding: '2px 10px' },
        onclick: () => {
          const updated = Object.assign({}, inv, {
            paid: false, paid_date: null,
            updated_at: new Date().toISOString(),
          });
          upsertInvoice(updated);
          rerender();
        },
      }, '↶ ' + t('ht.dental.costs.markUnpaid')));
    }
    if (inv.reimbursement_status !== 'submitted' && inv.reimbursement_status !== 'pending' &&
        inv.reimbursement_status !== 'received') {
      actions.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { fontSize: '11px', padding: '2px 10px' },
        onclick: () => {
          const updated = Object.assign({}, inv, {
            insurance_billed: true,
            reimbursement_status: 'submitted',
            updated_at: new Date().toISOString(),
          });
          upsertInvoice(updated);
          rerender();
        },
      }, '📤 ' + t('ht.dental.costs.submitInsurance')));
    } else if (inv.reimbursement_status === 'submitted' || inv.reimbursement_status === 'pending') {
      actions.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { fontSize: '11px', padding: '2px 10px' },
        onclick: () => {
          const amt = prompt(t('ht.dental.costs.reimbursedPrompt'));
          if (amt == null) return;
          const v = parseFloat(amt);
          const updated = Object.assign({}, inv, {
            reimbursement_status: 'received',
            reimbursed_native: isFinite(v) ? v : null,
            reimbursed_currency: inv.currency,
            updated_at: new Date().toISOString(),
          });
          upsertInvoice(updated);
          rerender();
        },
      }, '✓ ' + t('ht.dental.costs.markReimbursed')));
    }
    actions.appendChild(el('button', {
      class: 'tb-btn tb-btn--ghost', type: 'button',
      style: { fontSize: '11px', padding: '2px 10px' },
      onclick: () => openInvoiceEditModal(inv),
    }, '✎ ' + t('ht.dental.costs.editInvoice')));
    actions.appendChild(el('button', {
      class: 'tb-btn tb-btn--ghost', type: 'button',
      style: { fontSize: '11px', padding: '2px 10px', color: 'var(--tb-error)' },
      onclick: () => { if (deleteInvoiceWithUndo(inv.id)) rerender(); },
    }, '×'));
    row.appendChild(actions);

    return row;
  }

  // ─── Dental Notes & Follow-ups card ───────────────────────────
  function buildDentalNotesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'health' });
    card.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
    },
      el('h3', { style: { margin: 0 } }, '📝 ' + t('ht.dental.notes.title')),
      el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { fontSize: 'var(--tb-fs-12)' },
        onclick: () => openDentalNoteEditModal(null),
      }, '+ ' + t('ht.dental.notes.add')),
    ));
    const notes = getDentalNotesLog();
    if (notes.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
        t('ht.dental.notes.empty')));
    } else {
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-3)', marginTop: 'var(--tb-sp-2)' } });
      for (let i = 0; i < notes.length; i++) {
        list.appendChild(buildDentalNoteBlock(notes[i], i === 0));
      }
      card.appendChild(list);
    }
    return card;
  }

  function buildDentalNoteBlock(n, isLatest) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const providers = getDentalProviders();
    const prov = n.provider_id ? providers.find((x) => x.id === n.provider_id) : null;

    const block = el('div', {
      style: {
        border: '1px solid var(--tb-border)', borderRadius: 'var(--tb-radius-2)',
        padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
      },
    });

    // Header
    const head = el('div', { style: { display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)', flexWrap: 'wrap' } });
    head.appendChild(el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600' } }, n.date || '?'));
    if (isLatest) {
      head.appendChild(el('span', {
        style: { fontSize: '10px', padding: '1px 8px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(245, 158, 11, 0.20)', color: '#d97706',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, t('ht.dental.notes.latest')));
    }
    if (n.status === 'complete') {
      head.appendChild(el('span', {
        style: { fontSize: '10px', padding: '1px 8px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(34, 139, 34, 0.20)', color: 'var(--tb-success)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, '✓ ' + t('ht.dental.notes.complete')));
    } else {
      head.appendChild(el('span', {
        style: { fontSize: '10px', padding: '1px 8px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(46, 107, 92, 0.14)', color: 'var(--tb-track-health)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, t('ht.dental.notes.open')));
    }
    head.appendChild(el('span', { style: { flex: '1' } }));
    head.appendChild(el('button', {
      class: 'tb-btn tb-btn--ghost', type: 'button',
      style: { fontSize: '11px', padding: '2px 8px' },
      onclick: () => {
        const d = getDental();
        const target = (d.notes_log || []).find((x) => x.id === n.id);
        if (target) {
          target.status = target.status === 'complete' ? 'open' : 'complete';
          setDental(d);
          rerender();
        }
      },
    }, n.status === 'complete' ? '↩ ' + t('ht.dental.notes.reopen') : '✓ ' + t('ht.dental.notes.markComplete')));
    head.appendChild(el('button', {
      class: 'tb-btn tb-btn--ghost', type: 'button',
      style: { fontSize: '11px', padding: '2px 8px' },
      onclick: () => openDentalNoteEditModal(n),
    }, '✎'));
    head.appendChild(el('button', {
      class: 'tb-btn tb-btn--ghost', type: 'button',
      style: { fontSize: '11px', padding: '2px 8px', color: 'var(--tb-error)' },
      onclick: () => { if (deleteDentalNoteWithUndo(n.id)) rerender(); },
    }, '×'));
    block.appendChild(head);

    if (prov) {
      block.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: '11px', marginTop: '4px' } },
        prov.name_en || prov.name_jp || '?'));
    }

    function section(label, content, color) {
      if (!content) return;
      block.appendChild(el('div', {
        style: { fontSize: '10px', fontWeight: '700', textTransform: 'uppercase',
          letterSpacing: '0.04em', color: color || 'var(--tb-text-soft)',
          marginTop: 'var(--tb-sp-2)', marginBottom: '4px' },
      }, label));
      block.appendChild(content);
    }
    if (n.findings) {
      section(t('ht.dental.notes.findings'),
        el('div', { style: { fontSize: 'var(--tb-fs-12)', lineHeight: 'var(--tb-lh-body)', whiteSpace: 'pre-wrap' } }, n.findings),
        'var(--tb-text-soft)');
    }
    if (n.clinical_interpretation) {
      section(t('ht.dental.notes.clinicalInterpretation'),
        el('div', { style: { fontSize: 'var(--tb-fs-12)', lineHeight: 'var(--tb-lh-body)', whiteSpace: 'pre-wrap',
          fontStyle: 'italic', padding: '6px 10px', background: 'var(--tb-bg-elev, rgba(0,0,0,0.03))',
          borderLeft: '2px solid var(--tb-track-ai)', borderRadius: 'var(--tb-radius-1)' } },
          n.clinical_interpretation),
        'var(--tb-track-ai)');
    }
    if (n.recommendations) {
      const lines = n.recommendations.split('\n').filter((l) => l.trim());
      const list = el('ul', { style: { margin: '0', paddingLeft: '20px', fontSize: 'var(--tb-fs-12)', lineHeight: 'var(--tb-lh-body)' } });
      for (const ln of lines) list.appendChild(el('li', null, ln.replace(/^[-•*]\s*/, '')));
      section(t('ht.dental.notes.recommendations'), list, 'var(--tb-warn)');
    }
    if (Array.isArray(n.action_items) && n.action_items.length > 0) {
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px' } });
      for (const item of n.action_items) {
        list.appendChild(el('label', {
          style: { display: 'flex', alignItems: 'flex-start', gap: '8px', cursor: 'pointer',
            fontSize: 'var(--tb-fs-12)', lineHeight: 'var(--tb-lh-body)' },
        },
          el('input', {
            type: 'checkbox', checked: !!item.checked,
            onchange: (e) => {
              const d = getDental();
              const tgt = (d.notes_log || []).find((x) => x.id === n.id);
              if (tgt) {
                const ai = (tgt.action_items || []).find((y) => y.id === item.id);
                if (ai) { ai.checked = !!e.target.checked; setDental(d); }
              }
            },
          }),
          el('span', { style: item.checked ? { textDecoration: 'line-through', color: 'var(--tb-text-soft)' } : null },
            item.text || ''),
        ));
      }
      section(t('ht.dental.notes.actionItems'), list, 'var(--tb-track-health)');
    }
    if (n.next_appointment) {
      block.appendChild(el('div', {
        style: { marginTop: 'var(--tb-sp-2)', padding: '6px 10px', background: 'var(--tb-bg-elev, rgba(0,0,0,0.03))',
          borderRadius: 'var(--tb-radius-1)', fontSize: 'var(--tb-fs-12)' },
      }, '📅 ' + t('ht.dental.notes.next') + ': ', el('span', { style: { fontFamily: 'var(--tb-font-mono)' } }, n.next_appointment)));
    }
    // Billing block
    const b = n.billing || {};
    if (b.patient_paid != null || b.insurance != null || b.total != null) {
      const billBox = el('div', {
        style: {
          marginTop: 'var(--tb-sp-2)', padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg-elev, rgba(0,0,0,0.03))', borderRadius: 'var(--tb-radius-1)',
        },
      });
      billBox.appendChild(el('div', {
        style: { fontSize: '10px', fontWeight: '700', textTransform: 'uppercase', letterSpacing: '0.04em',
          color: 'var(--tb-text-soft)', marginBottom: '4px' },
      }, t('ht.dental.notes.billing') + (b.receipt_no ? ' (' + t('ht.dental.notes.receiptNo') + ' ' + b.receipt_no + ')' : '')));
      const currency = b.currency || 'JPY';
      const sym = ({ USD: '$', JPY: '¥', EUR: '€' })[currency] || (currency + ' ');
      function billFmt(v) {
        if (v == null) return '—';
        return sym + (currency === 'JPY' ? Math.round(v).toLocaleString() : Number(v).toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 }));
      }
      const billGrid = el('div', {
        style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(110px, 1fr))', gap: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)' },
      });
      function billCell(label, value, mono) {
        return el('div', null,
          el('div', { class: 'tb-card-meta', style: { fontSize: '10px' } }, label),
          el('div', { style: { fontWeight: '600', fontFamily: mono ? 'var(--tb-font-mono)' : 'inherit' } }, value),
        );
      }
      billGrid.appendChild(billCell(t('ht.dental.notes.bill.paid'), billFmt(b.patient_paid), true));
      billGrid.appendChild(billCell(t('ht.dental.notes.bill.insurance'), billFmt(b.insurance), true));
      billGrid.appendChild(billCell(t('ht.dental.notes.bill.total'), billFmt(b.total), true));
      if (b.burden_ratio) {
        billGrid.appendChild(billCell(t('ht.dental.notes.bill.burden'), b.burden_ratio, false));
      }
      billBox.appendChild(billGrid);
      if (b.receipt_source) {
        billBox.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: '4px', fontSize: '10px', fontFamily: 'var(--tb-font-mono)' } },
          t('ht.dental.notes.bill.source') + ': ' + b.receipt_source));
      }
      block.appendChild(billBox);
    }
    if (n.exam_source) {
      block.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-1)', fontSize: '10px', fontFamily: 'var(--tb-font-mono)' } },
        t('ht.dental.notes.examSource') + ': ' + n.exam_source));
    }
    return block;
  }

  function openDentalNoteEditModal(existing) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const isEdit = !!existing;
    const draft = existing ? JSON.parse(JSON.stringify(existing)) : {
      id: (TB.utils && TB.utils.uuid) ? TB.utils.uuid() : ('dn-' + Date.now().toString(36)),
      date: new Date().toISOString().slice(0, 10),
      provider_id: null,
      status: 'open',
      findings: '', clinical_interpretation: '', recommendations: '',
      action_items: [],
      next_appointment: '',
      periodontal_snapshot: null,
      billing: { patient_paid: null, insurance: null, total: null, currency: 'JPY', burden_ratio: '', receipt_no: '', receipt_source: '' },
      exam_source: '', exam_id: null, invoice_id: null,
      created_at: new Date().toISOString(),
    };
    // Ensure clinical_interpretation exists on legacy entries
    if (typeof draft.clinical_interpretation !== 'string') draft.clinical_interpretation = '';
    // Ensure billing exists
    if (!draft.billing) draft.billing = { patient_paid: null, insurance: null, total: null, currency: 'JPY', burden_ratio: '', receipt_no: '', receipt_source: '' };
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '720px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });
    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      isEdit ? t('ht.dental.notes.editTitle') : t('ht.dental.notes.addTitle')));
    const providers = getDentalProviders();
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.dental.notes.field.date'), dateInput(draft.date, (v) => draft.date = v)),
      field(t('ht.dental.notes.field.provider'), el('select', {
        class: 'tb-select',
        onchange: (e) => { draft.provider_id = e.target.value || null; },
      },
        el('option', { value: '', selected: !draft.provider_id }, '— ' + t('ht.dental.tx.field.provider.none') + ' —'),
        ...providers.map((p) => el('option', { value: p.id, selected: draft.provider_id === p.id },
          p.name_en || p.name_jp || '?')),
      )),
    ));
    modal.appendChild(field(t('ht.dental.notes.findings'),
      textareaInput(draft.findings, (v) => draft.findings = v),
      t('ht.dental.notes.findings.help')));
    modal.appendChild(field(t('ht.dental.notes.clinicalInterpretation'),
      textareaInput(draft.clinical_interpretation, (v) => draft.clinical_interpretation = v),
      t('ht.dental.notes.clinicalInterpretation.help')));
    modal.appendChild(field(t('ht.dental.notes.recommendations'),
      textareaInput(draft.recommendations, (v) => draft.recommendations = v),
      t('ht.dental.notes.recommendations.help')));
    modal.appendChild(field(t('ht.dental.notes.next'),
      textInput(draft.next_appointment, (v) => draft.next_appointment = v),
      t('ht.dental.notes.next.help')));

    // Action items (editor — comma/newline separated)
    modal.appendChild(field(t('ht.dental.notes.actionItems'),
      textareaInput((draft.action_items || []).map(x => x.text).join('\n'), (v) => {
        const lines = v.split('\n').map(x => x.trim()).filter(Boolean);
        const existingMap = {};
        for (const ai of (draft.action_items || [])) existingMap[ai.text] = ai;
        draft.action_items = lines.map(text => existingMap[text] || {
          id: 'ai-' + Math.random().toString(36).slice(2, 8),
          text, checked: false,
        });
      }),
      t('ht.dental.notes.actionItems.help')));

    // Billing
    modal.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)' } },
      '💰 ' + t('ht.dental.notes.billing')));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr 1fr 80px', gap: 'var(--tb-sp-2)' } },
      field(t('ht.dental.notes.bill.paid'), numInput(draft.billing.patient_paid, (v) => draft.billing.patient_paid = v)),
      field(t('ht.dental.notes.bill.insurance'), numInput(draft.billing.insurance, (v) => draft.billing.insurance = v)),
      field(t('ht.dental.notes.bill.total'), numInput(draft.billing.total, (v) => draft.billing.total = v)),
      field(t('ht.dental.notes.bill.currency'), el('select', {
        class: 'tb-select',
        onchange: (e) => { draft.billing.currency = e.target.value; },
      }, ['JPY', 'USD', 'EUR', 'GBP'].map((c) =>
        el('option', { value: c, selected: draft.billing.currency === c }, c)))),
    ));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.dental.notes.bill.burden'), textInput(draft.billing.burden_ratio, (v) => draft.billing.burden_ratio = v),
        t('ht.dental.notes.bill.burden.help')),
      field(t('ht.dental.notes.bill.receiptNo'), textInput(draft.billing.receipt_no, (v) => draft.billing.receipt_no = v)),
    ));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'space-between', marginTop: 'var(--tb-sp-4)' } });
    if (isEdit) {
      btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--danger', type: 'button',
        onclick: () => { if (deleteDentalNoteWithUndo(draft.id)) { close(); rerender(); } } },
        t('ht.delete')));
    } else btnRow.appendChild(el('span'));
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')));
    right.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { upsertDentalNote(draft); close(); rerender(); } }, t('ht.save')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);
    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Dental vision import modal ───────────────────────────────
  //
  // Dedicated dental flow — opens a drop zone, runs the dental-specific
  // extraction prompt (per-tooth findings, procedure codes, billing,
  // periodontal stats), then auto-populates the dental tab with what
  // it finds. Cost is folded into the import preview.
  function openDentalVisionImportModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '640px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, '🦷 ' + t('ht.dental.import.title')));
    modal.appendChild(el('p', { class: 'tb-card-meta' }, t('ht.dental.import.intro')));

    const status = el('div', { style: { marginTop: 'var(--tb-sp-2)', minHeight: '1.4em', fontSize: 'var(--tb-fs-12)' } });
    const fileInput = el('input', {
      type: 'file', accept: 'image/png,image/jpeg,image/jpg,image/webp,image/gif,application/pdf',
      style: { display: 'none' },
      onchange: (e) => { const f = e.target.files && e.target.files[0]; if (f) handleUpload(f); e.target.value = ''; },
    });
    const dropZone = el('div', {
      style: { border: '1px dashed var(--tb-border)', borderRadius: 'var(--tb-radius-2)',
        padding: 'var(--tb-sp-4)', textAlign: 'center', background: 'var(--tb-bg)',
        marginBottom: 'var(--tb-sp-2)' },
    },
      el('div', { style: { fontWeight: '600', marginBottom: 'var(--tb-sp-2)' } }, t('ht.dental.import.dropTitle')),
      el('div', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-2)' } }, t('ht.dental.import.dropHelp')),
      el('button', { class: 'tb-btn', type: 'button', onclick: () => fileInput.click() }, '📎 ' + t('ht.import.choose')),
      fileInput,
    );
    if (TB.utils && typeof TB.utils.attachFileDrop === 'function') {
      TB.utils.attachFileDrop(dropZone, {
        accept: ['image/png','image/jpeg','image/jpg','image/webp','image/gif','application/pdf','.pdf'],
        text: '⤓ ' + t('ht.import.dropOver'),
        onFile: (f) => handleUpload(f),
        onError: (msg) => { status.textContent = '✗ ' + msg; status.style.color = 'var(--tb-error)'; },
      });
    }
    modal.appendChild(dropZone);
    modal.appendChild(status);

    async function handleUpload(file) {
      status.textContent = '⏳ ' + t('ht.dental.import.processing', { name: file.name });
      status.style.color = 'var(--tb-text-soft)';
      try {
        const result = await TB.ai.callClaudeVisionForDentalExtraction(file, {});
        const ext = result.extracted || {};
        const cost = (result.cost_usd || 0).toFixed(4);
        if (ext.is_dental === false) {
          status.textContent = '⚠ ' + t('ht.dental.import.notDental');
          status.style.color = 'var(--tb-warn)';
          return;
        }
        const summary = applyDentalExtraction(ext, file.name, Number(result.cost_usd) || 0);
        status.textContent = '✓ ' + t('ht.dental.import.done', {
          cost,
          teeth: summary.teethUpdated,
          procs: summary.proceduresAdded,
        });
        status.style.color = 'var(--tb-success)';
        setTimeout(() => { close(); rerender(); }, 1500);
      } catch (err) {
        status.textContent = '✗ ' + (err.message || err);
        status.style.color = 'var(--tb-error)';
      }
    }

    modal.appendChild(el('div', { style: { display: 'flex', justifyContent: 'flex-end', marginTop: 'var(--tb-sp-3)' } },
      el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')),
    ));
    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // Persist extracted dental data into the appropriate slots:
  //   • providers[] — upsert when a matching provider doesn't already exist
  //   • teeth{} — patch per-tooth status / pocket / bleeding / mobility
  //   • procedures[] — append billable line items (de-duped against
  //     existing procedures on the same date + same name)
  //   • notes_log[] — one new entry with findings / recommendations /
  //     action items / billing breakdown / exam source filename
  function applyDentalExtraction(ext, filename, costUsd) {
    const d = getDental();
    const stats = { teethUpdated: 0, proceduresAdded: 0, providerAdded: false, noteAdded: false };

    // ─── Provider — match by name (lowercase, trimmed, also try
    // substring overlap so "Sakura Dental Clinic" matches an
    // existing "Sakura Dental Clinic (Orthodontics)"). When matched,
    // fill missing fields AND upgrade short names with more complete
    // variants (e.g., JP-only → bilingual).
    let providerId = null;
    if (ext.provider && (ext.provider.name_en || ext.provider.name_jp)) {
      function nameKey(s) { return String(s || '').toLowerCase().trim(); }
      function namesOverlap(a, b) {
        const ak = nameKey(a), bk = nameKey(b);
        if (!ak || !bk) return false;
        if (ak === bk) return true;
        if (ak.length >= 4 && (ak.includes(bk) || bk.includes(ak))) return true;
        return false;
      }
      const existing = (d.providers || []).find((p) =>
        namesOverlap(p.name_en, ext.provider.name_en) ||
        namesOverlap(p.name_jp, ext.provider.name_jp));
      if (existing) {
        providerId = existing.id;
        let updated = false;
        // 1) Fill missing fields (when existing is blank, copy from
        //    the new extraction). This is how a JP-only existing
        //    record gets its English name added.
        for (const k of ['name_en', 'name_jp', 'type', 'address', 'phone']) {
          if (!existing[k] && ext.provider[k]) { existing[k] = ext.provider[k]; updated = true; }
        }
        // 2) Upgrade short variants — if the new extraction has a
        //    "more complete" version (e.g., includes both languages
        //    or is a strict superset), prefer it. Uses the same
        //    isMoreCompleteName helper that powers the asset
        //    canonicalization.
        if (ext.provider.name_en && existing.name_en &&
            isMoreCompleteName(ext.provider.name_en, existing.name_en)) {
          existing.name_en = ext.provider.name_en; updated = true;
        }
        if (ext.provider.name_jp && existing.name_jp &&
            isMoreCompleteName(ext.provider.name_jp, existing.name_jp)) {
          existing.name_jp = ext.provider.name_jp; updated = true;
        }
        if (updated) upsertDentalProvider(existing);
      } else {
        providerId = (TB.utils && TB.utils.uuid) ? TB.utils.uuid() : ('dp-' + Date.now().toString(36));
        upsertDentalProvider({
          id: providerId,
          name_en: ext.provider.name_en || '',
          name_jp: ext.provider.name_jp || '',
          type: ext.provider.type || '',
          address: ext.provider.address || '',
          phone: ext.provider.phone || '',
          email: '', notes: '',
          ai_imported: true,
          created_at: new Date().toISOString(),
        });
        stats.providerAdded = true;
      }
    }

    // ─── Teeth — patch each tooth that has findings
    if (Array.isArray(ext.teeth)) {
      const d2 = getDental();
      d2.teeth = d2.teeth || {};
      for (const tooth of ext.teeth) {
        if (!tooth || typeof tooth.uni !== 'number') continue;
        if (tooth.uni < 1 || tooth.uni > 32) continue;
        const cur = d2.teeth[String(tooth.uni)] || { status: 'natural' };
        if (tooth.status) cur.status = tooth.status;
        if (tooth.has_pocket != null) cur.has_pocket = !!tooth.has_pocket;
        if (tooth.has_bleeding != null) cur.has_bleeding = !!tooth.has_bleeding;
        if (tooth.is_mobile != null) cur.is_mobile = !!tooth.is_mobile;
        // v0.53: cavity / treatment / observation flags
        if (tooth.has_cavity != null) cur.has_cavity = !!tooth.has_cavity;
        if (tooth.needs_treatment != null) cur.needs_treatment = !!tooth.needs_treatment;
        if (tooth.needs_observation != null) cur.needs_observation = !!tooth.needs_observation;
        if (typeof tooth.pocket_max_mm === 'number') cur.pocket_max_mm = tooth.pocket_max_mm;
        if (tooth.notes) cur.notes = tooth.notes;
        d2.teeth[String(tooth.uni)] = cur;
        stats.teethUpdated++;
      }
      setDental(d2);
      recomputeDentalPerio();
    }

    // ─── Periodontal aggregate — ALWAYS apply when the AI extracted
    // them (typical case: AI reads "12.5% pockets, 50% BoP" from the
    // findings narrative even when it can't pinpoint specific teeth).
    // recomputeDentalPerio (above) only overwrites these when actual
    // per-tooth flags exist, so this stays sticky.
    if (ext.periodontal) {
      const d3 = getDental();
      d3.periodontal = d3.periodontal || {};
      if (typeof ext.periodontal.pockets_4mm_pct === 'number') d3.periodontal.pockets_4mm_pct = ext.periodontal.pockets_4mm_pct;
      if (typeof ext.periodontal.bleeding_on_probing_pct === 'number') d3.periodontal.bleeding_on_probing_pct = ext.periodontal.bleeding_on_probing_pct;
      if (typeof ext.periodontal.mobile_teeth === 'number') d3.periodontal.mobile_teeth = ext.periodontal.mobile_teeth;
      // v0.53: pocket depth distribution
      if (typeof ext.periodontal.pocket_dist_healthy_pct === 'number') d3.periodontal.pocket_dist_healthy_pct = ext.periodontal.pocket_dist_healthy_pct;
      if (typeof ext.periodontal.pocket_dist_mild_pct === 'number') d3.periodontal.pocket_dist_mild_pct = ext.periodontal.pocket_dist_mild_pct;
      if (typeof ext.periodontal.pocket_dist_severe_pct === 'number') d3.periodontal.pocket_dist_severe_pct = ext.periodontal.pocket_dist_severe_pct;
      d3.periodontal.last_perio_exam = ext.exam_date || d3.periodontal.last_perio_exam;
      setDental(d3);
    }

    // ─── Procedures — append new, dedupe against existing on (date + name)
    if (Array.isArray(ext.procedures)) {
      const existingProcs = getDentalProcedures();
      for (const p of ext.procedures) {
        if (!p) continue;
        const procDate = p.date || ext.exam_date || new Date().toISOString().slice(0, 10);
        const name = (p.name_en || p.name_jp || '').trim();
        if (!name && !p.code) continue;
        // Dedupe check
        const dup = existingProcs.find((x) =>
          x.date === procDate &&
          ((x.name_en && x.name_en === p.name_en) ||
           (x.name_jp && x.name_jp === p.name_jp) ||
           (x.code && p.code && x.code === p.code))
        );
        if (dup) continue;
        upsertDentalProcedure({
          id: (TB.utils && TB.utils.uuid) ? TB.utils.uuid() : ('proc-' + Date.now().toString(36) + Math.random().toString(36).slice(2, 4)),
          date: procDate,
          name_en: p.name_en || '',
          name_jp: p.name_jp || '',
          code: p.code || '',
          cost: typeof p.cost === 'number' ? p.cost : null,
          currency: p.currency || (ext.billing && ext.billing.currency) || 'JPY',
          points: typeof p.points === 'number' ? p.points : null,
          qty: p.qty || 1,
          provider_id: providerId,
          invoice_id: null,
          tooth_numbers: Array.isArray(p.tooth_numbers) ? p.tooth_numbers : [],
          notes: '',
          ai_imported: true,
          ai_cost_usd: costUsd,
          created_at: new Date().toISOString(),
        });
        stats.proceduresAdded++;
      }
    }

    // ─── Notes log entry — capture findings + interpretation +
    // recommendations + actions + billing + per-exam periodontal
    // snapshot (the snapshot is what powers the trend sparkline
    // across exams — one data point per note).
    if (ext.findings || ext.clinical_interpretation || ext.recommendations ||
        (ext.action_items && ext.action_items.length > 0) || ext.billing || ext.periodontal) {
      const noteId = (TB.utils && TB.utils.uuid) ? TB.utils.uuid() : ('dn-' + Date.now().toString(36));
      const action_items = (Array.isArray(ext.action_items) ? ext.action_items : []).map((text) => ({
        id: 'ai-' + Math.random().toString(36).slice(2, 8),
        text: String(text || '').trim(),
        checked: false,
      })).filter((x) => x.text);
      // Snapshot the periodontal stats on the note itself so the
      // trend sparkline can plot one point per dental exam over time.
      const perioSnapshot = ext.periodontal ? {
        pockets_4mm_pct: typeof ext.periodontal.pockets_4mm_pct === 'number' ? ext.periodontal.pockets_4mm_pct : null,
        bleeding_on_probing_pct: typeof ext.periodontal.bleeding_on_probing_pct === 'number' ? ext.periodontal.bleeding_on_probing_pct : null,
        mobile_teeth: typeof ext.periodontal.mobile_teeth === 'number' ? ext.periodontal.mobile_teeth : null,
        pocket_dist_healthy_pct: typeof ext.periodontal.pocket_dist_healthy_pct === 'number' ? ext.periodontal.pocket_dist_healthy_pct : null,
        pocket_dist_mild_pct: typeof ext.periodontal.pocket_dist_mild_pct === 'number' ? ext.periodontal.pocket_dist_mild_pct : null,
        pocket_dist_severe_pct: typeof ext.periodontal.pocket_dist_severe_pct === 'number' ? ext.periodontal.pocket_dist_severe_pct : null,
      } : null;
      // Drop next_appointment when it matches the exam date itself —
      // PDFs often place a placeholder there that's actually the
      // current visit's time, not a real future appointment.
      let nextAppt = ext.next_appointment || '';
      const examDate = ext.exam_date || new Date().toISOString().slice(0, 10);
      if (nextAppt && examDate) {
        // Compare just the YYYY-MM-DD portion
        const naDate = String(nextAppt).slice(0, 10);
        if (naDate === examDate) nextAppt = '';
      }
      upsertDentalNote({
        id: noteId,
        date: ext.exam_date || new Date().toISOString().slice(0, 10),
        provider_id: providerId,
        status: 'open',
        findings: ext.findings || '',
        clinical_interpretation: ext.clinical_interpretation || '',
        recommendations: (Array.isArray(ext.recommendations) ? ext.recommendations.join('\n') : ext.recommendations) || '',
        action_items,
        next_appointment: nextAppt,
        periodontal_snapshot: perioSnapshot,
        billing: ext.billing ? {
          patient_paid: typeof ext.billing.patient_paid === 'number' ? ext.billing.patient_paid : null,
          insurance: typeof ext.billing.insurance === 'number' ? ext.billing.insurance : null,
          total: typeof ext.billing.total === 'number' ? ext.billing.total : null,
          currency: ext.billing.currency || 'JPY',
          burden_ratio: ext.billing.burden_ratio || '',
          receipt_no: ext.billing.receipt_no || '',
          receipt_source: filename || '',
        } : null,
        exam_source: filename || '',
        ai_imported: true,
        ai_cost_usd: costUsd,
        created_at: new Date().toISOString(),
      });
      stats.noteAdded = true;
    }

    // Legacy fields — keep them in sync for dashboard / Action Center
    const d4 = getDental();
    if (ext.exam_date) {
      // If any procedure was scaling/cleaning, update last_cleaning
      const isCleaning = Array.isArray(ext.procedures) && ext.procedures.some((p) =>
        /scaling|cleaning|prophy|sc\b|歯石/i.test((p.name_en || '') + ' ' + (p.name_jp || ''))
      );
      if (isCleaning && (!d4.last_cleaning || d4.last_cleaning < ext.exam_date)) {
        d4.last_cleaning = ext.exam_date;
      }
      const isPerio = (ext.periodontal && (ext.periodontal.pockets_4mm_pct != null || ext.periodontal.bleeding_on_probing_pct != null)) ||
        (Array.isArray(ext.procedures) && ext.procedures.some((p) =>
          /perio|periodontal|p基検|歯周/i.test((p.name_en || '') + ' ' + (p.name_jp || ''))
        ));
      if (isPerio && (!d4.last_perio || d4.last_perio < ext.exam_date)) {
        d4.last_perio = ext.exam_date;
      }
      const isXrays = Array.isArray(ext.procedures) && ext.procedures.some((p) =>
        /x[\s\-]?ray|panoramic|bitewing|デンタル.*x|レントゲン/i.test((p.name_en || '') + ' ' + (p.name_jp || ''))
      );
      if (isXrays && (!d4.last_xrays || d4.last_xrays < ext.exam_date)) {
        d4.last_xrays = ext.exam_date;
      }
    }
    if (!d4.dentist && ext.provider) {
      d4.dentist = ext.provider.name_en || ext.provider.name_jp || '';
    }
    if (!d4.clinic && ext.provider) {
      d4.clinic = ext.provider.name_jp || ext.provider.name_en || '';
    }
    setDental(d4);

    // Chain-AI: kick off provider enrichment when the synced provider
    // is missing a language name or public-info fields. Same chain the
    // invoice import uses — keeps both extraction paths converging on
    // a complete provider record.
    if (providerId) {
      const provNow = (getDental().providers || []).find((p) => p.id === providerId);
      if (provNow) {
        try { maybeChainProviderEnrichment(provNow); } catch (_) {}
      }
    }

    return stats;
  }

  // ====================================================================
  // Tab: Insurance & Notes
  // ====================================================================

  function renderNotesTab(tabHost) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    // One-shot migration of legacy fields → cards[]. After this runs once,
    // the legacy fields stay in state (untouched) but the UI is cards-only.
    migrateLegacyInsuranceFields();
    const ins = getInsuranceSummary();
    const cards = getInsuranceCards();

    const card = el('div', { class: 'tb-card', 'data-track': 'health' });

    // Header row with title + actions
    const headRow = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
    });
    headRow.appendChild(el('h2', { style: { marginTop: 0 } }, '📒 ' + t('ht.notes.title')));
    const actions = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)', flexWrap: 'wrap' } });
    const hasKey = TB.ai && TB.ai.hasKey && TB.ai.hasKey();
    const medOk = TB.ai && typeof TB.ai.isFeatureAllowed === 'function'
      ? TB.ai.isFeatureAllowed('medical_vision') !== false
      : true;
    actions.appendChild(el('button', {
      class: 'tb-btn tb-btn--ghost', type: 'button',
      style: { fontSize: 'var(--tb-fs-12)' },
      onclick: () => openInsuranceCardEditModal(null),
    }, '+ ' + t('ht.notes.cards.addManual')));
    if (hasKey && medOk) {
      actions.appendChild(el('button', {
        class: 'tb-btn tb-btn--secondary', type: 'button',
        style: { fontSize: 'var(--tb-fs-12)' },
        onclick: () => openInsuranceCardImportModal(),
      }, '🪪 ' + t('ht.notes.import.btn')));
    }
    headRow.appendChild(actions);
    card.appendChild(headRow);
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('ht.notes.intro')));

    // Cross-link to Healthcare module for deep coverage planning
    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)',
        borderLeft: '3px solid var(--tb-track-health)',
        borderRadius: 'var(--tb-radius-1)',
        marginBottom: 'var(--tb-sp-3)',
        fontSize: 'var(--tb-fs-12)',
      },
    },
      el('strong', null, '💡 ' + t('ht.notes.crossLink.title')),
      ' ' + t('ht.notes.crossLink.body') + ' ',
      el('a', {
        href: '#',
        style: { color: 'var(--tb-track-health)', fontWeight: '600' },
        onclick: (e) => {
          e.preventDefault();
          document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'healthcare' } }));
        },
      }, '↗ ' + t('ht.notes.crossLink.open')),
    ));

    // Empty state
    if (cards.length === 0) {
      card.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-4)', textAlign: 'center',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)',
          marginBottom: 'var(--tb-sp-3)',
        },
      },
        el('div', { style: { fontSize: '32px', marginBottom: 'var(--tb-sp-2)' } }, '🪪'),
        el('div', { style: { fontWeight: '600', marginBottom: 'var(--tb-sp-1)' } }, t('ht.notes.cards.empty.title')),
        el('div', { class: 'tb-card-meta' }, t('ht.notes.cards.empty.body')),
      ));
    } else {
      // Render each card as a collapsible panel
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-3)' } });
      for (const c of cards) list.appendChild(buildInsuranceCardPanel(c));
      card.appendChild(list);
    }

    // General notes — moved BELOW the cards as a catch-all for cross-plan
    // notes that don't fit a single card (allergies, drug sensitivities,
    // blood type, emergency contacts, advance directive location).
    card.appendChild(el('h3', {
      style: { marginTop: 'var(--tb-sp-4)', marginBottom: 'var(--tb-sp-1)', fontSize: 'var(--tb-fs-14)' },
    }, '🩹 ' + t('ht.notes.generalNotes')));
    card.appendChild(textareaInput(ins.notes, (v) => {
      const cur = getInsuranceSummary();
      cur.notes = v;
      setInsuranceSummary(cur);
    }));
    card.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: '4px' } }, t('ht.notes.generalNotes.help')));

    tabHost.appendChild(card);
  }

  // ─── One card → its own collapsible panel ───────────────────────
  function buildInsuranceCardPanel(c) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    // Type icon + color
    const typeStyle = {
      medical:      { icon: '🏥', accent: 'var(--tb-track-health)' },
      combined:     { icon: '🏥', accent: 'var(--tb-track-health)' },
      dental:       { icon: '🦷', accent: '#a87fbf' },
      vision:       { icon: '👁', accent: '#7798c4' },
      prescription: { icon: '💊', accent: 'var(--tb-track-ai)' },
      other:        { icon: '📋', accent: 'var(--tb-text-soft)' },
    };
    const style = typeStyle[c.card_type] || typeStyle.other;

    // Top accent border + collapsible
    const details = el('details', {
      open: 'open',
      style: {
        borderLeft: '3px solid ' + style.accent,
        borderRadius: 'var(--tb-radius-2)',
        background: 'var(--tb-bg)',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
      },
    });

    const titleBits = [c.insurer, c.plan_name].filter(Boolean);
    const title = c.label || (titleBits.length > 0 ? titleBits.join(' — ') : t('ht.notes.untitledCard'));

    const summary = el('summary', {
      style: { cursor: 'pointer', display: 'flex', alignItems: 'center',
        gap: 'var(--tb-sp-2)', fontWeight: '600', flexWrap: 'wrap', padding: '4px 0' },
    });
    summary.appendChild(el('span', { style: { fontSize: '18px' } }, style.icon));
    summary.appendChild(el('span', { style: { flex: '1', minWidth: '200px' } }, title));
    summary.appendChild(el('span', {
      style: { fontSize: '10px', padding: '1px 8px', borderRadius: 'var(--tb-radius-pill)',
        background: style.accent + '22', color: style.accent, fontWeight: '700',
        letterSpacing: '0.04em', textTransform: 'uppercase' },
    }, t('ht.notes.cards.type.' + (c.card_type || 'other'))));
    if (c.expiry_date) {
      summary.appendChild(el('span', { class: 'tb-card-meta', style: { fontSize: '11px' } },
        '· ' + t('ht.notes.expires') + ' ' + c.expiry_date));
    }
    details.appendChild(summary);

    // Body — grouped sections
    const body = el('div', { style: { marginTop: 'var(--tb-sp-2)', display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)' } });

    // ─── Coverage section — bespoke layout (not the generic grid)
    // so Network/status pills, date range, and coverage-areas prose
    // each get the visual weight they deserve. CIGNA International
    // and similar plans pack a lot of detail in here.
    if (c.network_type || c.effective_date || c.expiry_date || c.coverage_areas || c.issuing_country) {
      body.appendChild(buildCoverageSection(c, style));
    }

    // ─── Benefits — deductible, OOP, copays, Rx coverage, referral.
    // Laid out to read like the back of the actual card: pill row,
    // money-summary grid, per-service list, free-form Rx + notes.
    const b = c.benefits || {};
    const hasBenefits = b.referral_required != null ||
      b.deductible_individual != null || b.deductible_family != null ||
      b.oop_max_individual != null || b.oop_max_family != null ||
      b.copay_pcp || b.copay_specialist || b.copay_urgent_care ||
      b.copay_er || b.copay_hospital ||
      b.rx_coverage || b.benefits_notes;
    if (hasBenefits) {
      body.appendChild(buildBenefitsSection(c, style));
    }

    // ─── Member
    const memberRows = [];
    if (c.member_name) memberRows.push([t('ht.notes.cards.field.memberName'), c.member_name]);
    if (c.member_id_last4) memberRows.push([t('ht.notes.cards.field.memberId'), '••••' + c.member_id_last4]);
    if (c.group_number) memberRows.push([t('ht.notes.cards.field.group'), c.group_number]);
    if (memberRows.length > 0) body.appendChild(buildCardSection('👤 ' + t('ht.notes.cards.section.member'), memberRows));

    // ─── Pharmacy
    const rxRows = [];
    if (c.bin) rxRows.push([t('ht.notes.cards.field.bin'), c.bin]);
    if (c.pcn) rxRows.push([t('ht.notes.cards.field.pcn'), c.pcn]);
    if (c.rx_group) rxRows.push([t('ht.notes.cards.field.rxGroup'), c.rx_group]);
    if (rxRows.length > 0) body.appendChild(buildCardSection('💊 ' + t('ht.notes.cards.section.pharmacy'), rxRows));

    // ─── PCP
    const pcpRows = [];
    if (c.pcp_name) pcpRows.push([t('ht.notes.cards.field.pcpName'), c.pcp_name]);
    if (c.pcp_phone) pcpRows.push([t('ht.notes.cards.field.pcpPhone'), formatPhoneLink(c.pcp_phone)]);
    if (pcpRows.length > 0) body.appendChild(buildCardSection('🩺 ' + t('ht.notes.cards.section.pcp'), pcpRows));

    // ─── Contact phones
    const contactRows = [];
    if (c.customer_service_phone) contactRows.push([t('ht.notes.cards.field.csPhone'), formatPhoneLink(c.customer_service_phone)]);
    if (c.member_services_phone) contactRows.push([t('ht.notes.cards.field.memberPhone'), formatPhoneLink(c.member_services_phone)]);
    if (c.claims_phone) contactRows.push([t('ht.notes.cards.field.claimsPhone'), formatPhoneLink(c.claims_phone)]);
    if (c.pharmacy_help_phone) contactRows.push([t('ht.notes.cards.field.rxPhone'), formatPhoneLink(c.pharmacy_help_phone)]);
    if (c.provider_services_phone) contactRows.push([t('ht.notes.cards.field.providerPhone'), formatPhoneLink(c.provider_services_phone)]);
    if (c.nurse_line_phone) contactRows.push([t('ht.notes.cards.field.nursePhone'), formatPhoneLink(c.nurse_line_phone)]);
    if (c.mental_health_phone) contactRows.push([t('ht.notes.cards.field.mhPhone'), formatPhoneLink(c.mental_health_phone)]);
    if (c.emergency_phone) contactRows.push([t('ht.notes.cards.field.emergencyPhone'), formatPhoneLink(c.emergency_phone)]);
    if (contactRows.length > 0) body.appendChild(buildCardSection('📞 ' + t('ht.notes.cards.section.contact'), contactRows));

    // ─── Online & Claims
    const onlineRows = [];
    if (c.claims_website) onlineRows.push([t('ht.notes.cards.field.claimsWeb'), formatWebLink(c.claims_website)]);
    if (c.member_portal) onlineRows.push([t('ht.notes.cards.field.portal'), formatWebLink(c.member_portal)]);
    if (c.mobile_app) onlineRows.push([t('ht.notes.cards.field.mobileApp'), c.mobile_app]);
    if (c.email) onlineRows.push([t('ht.notes.cards.field.email'), formatEmailLink(c.email)]);
    if (c.claims_address) onlineRows.push([t('ht.notes.cards.field.claimsAddr'), c.claims_address]);
    if (onlineRows.length > 0) body.appendChild(buildCardSection('🌐 ' + t('ht.notes.cards.section.online'), onlineRows));

    // ─── Notes (when present)
    if (c.notes) {
      const noteWrap = el('div', { style: { marginTop: 'var(--tb-sp-1)' } });
      noteWrap.appendChild(el('div', {
        style: { fontSize: '10px', fontWeight: '700', letterSpacing: '0.04em',
          textTransform: 'uppercase', color: 'var(--tb-text-soft)', marginBottom: '4px' },
      }, '📝 ' + t('ht.notes.cards.section.notes')));
      noteWrap.appendChild(el('div', { style: { whiteSpace: 'pre-wrap', fontSize: 'var(--tb-fs-12)' } }, c.notes));
      body.appendChild(noteWrap);
    }

    // ─── Vault link
    if (c.vault_doc_id) {
      const vaultItem = (TB.docVault && typeof TB.docVault.getItems === 'function')
        ? TB.docVault.getItems().find((d) => d.id === c.vault_doc_id) : null;
      if (vaultItem) {
        body.appendChild(el('div', {
          style: {
            padding: '6px 10px',
            background: 'rgba(46, 107, 92, 0.08)',
            borderRadius: 'var(--tb-radius-1)',
            fontSize: '11px',
            display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: '8px', flexWrap: 'wrap',
          },
        },
          el('span', null, '🔗 ' + t('ht.notes.linkedCard') + ': ', el('strong', null, vaultItem.title || c.insurer || t('ht.notes.untitledCard'))),
          el('button', {
            class: 'tb-btn tb-btn--ghost', type: 'button',
            style: { fontSize: '11px', padding: '2px 8px' },
            onclick: () => {
              if (TB.docVault && typeof TB.docVault.openEditModal === 'function') {
                TB.docVault.openEditModal(vaultItem);
              }
            },
          }, '↗ ' + t('ht.notes.openInVault')),
        ));
      }
    }

    // Footer: action buttons
    const footer = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-2)', flexWrap: 'wrap' },
    });
    const leftBits = el('div', { class: 'tb-card-meta', style: { fontSize: '10px', fontFamily: 'var(--tb-font-mono)' } },
      c.ai_imported ? '✨ AI imported' : '',
    );
    footer.appendChild(leftBits);
    footer.appendChild(el('div', { style: { display: 'flex', gap: '6px' } },
      el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { fontSize: '11px', padding: '2px 8px' },
        onclick: () => openInsuranceCardEditModal(c),
      }, '✎ ' + t('ht.notes.cards.edit')),
      el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { fontSize: '11px', padding: '2px 8px', color: 'var(--tb-error)' },
        onclick: () => {
          if (deleteInsuranceCardWithUndo(c.id)) rerender();
        },
      }, '× ' + t('ht.delete')),
    ));
    body.appendChild(footer);

    details.appendChild(body);
    return details;
  }

  // Bespoke "Coverage" section for the insurance card panel.
  // Visual hierarchy:
  //   • Top row: Network pill + Active/Expired status pill
  //   • Date range block: Effective → Expires + days-remaining
  //   • Coverage areas as a full-width prose block (no cramped grid)
  //   • Issuing country as small meta line at bottom
  // Significantly cleaner than the generic 2-column label-value grid
  // when a card has rich coverage detail.
  function buildCoverageSection(c, cardStyle) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const sec = el('div');

    // Section header
    sec.appendChild(el('div', {
      style: { fontSize: '10px', fontWeight: '700', letterSpacing: '0.04em',
        textTransform: 'uppercase', color: 'var(--tb-text-soft)', marginBottom: 'var(--tb-sp-1)' },
    }, '📋 ' + t('ht.notes.cards.section.coverage')));

    // Top-row pills: Network + Active status
    const pillRow = el('div', {
      style: { display: 'flex', flexWrap: 'wrap', gap: '6px', marginBottom: c.effective_date || c.expiry_date ? 'var(--tb-sp-2)' : '0' },
    });
    if (c.network_type) {
      pillRow.appendChild(el('span', {
        style: {
          fontSize: '11px', padding: '2px 10px', borderRadius: 'var(--tb-radius-pill)',
          background: cardStyle.accent + '22', color: cardStyle.accent,
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase',
        },
      }, c.network_type));
    }
    // Active / expired pill — derived from expiry_date
    if (c.expiry_date) {
      const daysLeft = daysUntil(c.expiry_date);
      let statusColor, statusLabel;
      if (daysLeft < 0) {
        statusColor = 'var(--tb-error)';
        statusLabel = t('ht.notes.cards.status.expired', { d: Math.abs(daysLeft) });
      } else if (daysLeft <= 30) {
        statusColor = 'var(--tb-warn)';
        statusLabel = t('ht.notes.cards.status.expiringSoon', { d: daysLeft });
      } else {
        statusColor = 'var(--tb-success)';
        statusLabel = t('ht.notes.cards.status.active', { d: daysLeft });
      }
      pillRow.appendChild(el('span', {
        style: {
          fontSize: '11px', padding: '2px 10px', borderRadius: 'var(--tb-radius-pill)',
          background: statusColor + '22', color: statusColor,
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase',
        },
      }, statusLabel));
    } else if (c.effective_date) {
      // No expiry but has effective — assume "no expiry / open-ended"
      pillRow.appendChild(el('span', {
        style: {
          fontSize: '11px', padding: '2px 10px', borderRadius: 'var(--tb-radius-pill)',
          background: 'var(--tb-success)22', color: 'var(--tb-success)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase',
        },
      }, t('ht.notes.cards.status.openEnded')));
    }
    if (pillRow.children.length > 0) sec.appendChild(pillRow);

    // Date range block — "Effective YYYY-MM-DD → Expires YYYY-MM-DD"
    if (c.effective_date || c.expiry_date) {
      const dateBlock = el('div', {
        style: {
          display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-3)',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg-elev, rgba(0,0,0,0.02))',
          borderRadius: 'var(--tb-radius-1)',
          fontSize: 'var(--tb-fs-12)',
          flexWrap: 'wrap',
          marginBottom: c.coverage_areas || c.issuing_country ? 'var(--tb-sp-2)' : '0',
        },
      });
      if (c.effective_date) {
        dateBlock.appendChild(el('div', null,
          el('div', { style: { fontSize: '10px', textTransform: 'uppercase', letterSpacing: '0.04em', color: 'var(--tb-text-soft)' } },
            t('ht.notes.cards.field.effective')),
          el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600' } }, c.effective_date),
        ));
      }
      if (c.effective_date && c.expiry_date) {
        dateBlock.appendChild(el('span', { style: { color: 'var(--tb-text-soft)', fontSize: '16px' } }, '→'));
      }
      if (c.expiry_date) {
        dateBlock.appendChild(el('div', null,
          el('div', { style: { fontSize: '10px', textTransform: 'uppercase', letterSpacing: '0.04em', color: 'var(--tb-text-soft)' } },
            t('ht.notes.cards.field.expires')),
          el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '600' } }, c.expiry_date),
        ));
      }
      sec.appendChild(dateBlock);
    }

    // Coverage areas — full-width prose block, not cramped into the grid
    if (c.coverage_areas) {
      const areaBlock = el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg-elev, rgba(0,0,0,0.02))',
          borderLeft: '2px solid ' + cardStyle.accent,
          borderRadius: 'var(--tb-radius-1)',
          marginBottom: c.issuing_country ? 'var(--tb-sp-2)' : '0',
        },
      });
      areaBlock.appendChild(el('div', {
        style: { fontSize: '10px', textTransform: 'uppercase', letterSpacing: '0.04em',
          color: 'var(--tb-text-soft)', marginBottom: '4px' },
      }, '🌍 ' + t('ht.notes.cards.field.coverageAreas')));
      areaBlock.appendChild(el('div', {
        style: { fontSize: 'var(--tb-fs-12)', lineHeight: 'var(--tb-lh-body)', whiteSpace: 'pre-wrap' },
      }, c.coverage_areas));
      sec.appendChild(areaBlock);
    }

    // Issuing country — small meta line
    if (c.issuing_country) {
      sec.appendChild(el('div', {
        class: 'tb-card-meta',
        style: { fontSize: '11px', display: 'flex', gap: '4px' },
      },
        el('span', null, t('ht.notes.cards.field.country') + ':'),
        el('span', { style: { fontFamily: 'var(--tb-font-mono)' } }, c.issuing_country),
      ));
    }

    return sec;
  }

  // Benefits panel — reads like the actual card's "what's covered"
  // summary. Sections:
  //   • Referral pill (✓ No referral required / ⚠ Referral required)
  //   • Deductible + OOP Max side-by-side block (individual/family)
  //   • Service coverage list (PCP, specialist, urgent care, ER, hospital)
  //   • Rx coverage prose
  //   • Free-form benefits notes
  function buildBenefitsSection(c, cardStyle) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const b = c.benefits || {};
    const sec = el('div');
    const currency = b.currency || 'USD';
    const sym = ({ USD: '$', JPY: '¥', EUR: '€', GBP: '£', CAD: 'CA$', AUD: 'A$', CHF: 'Fr.' })[currency] || (currency + ' ');
    function fmtMoney(v) {
      if (v == null || !isFinite(v)) return '—';
      // JPY rarely has decimals; others usually do but for round
      // benefit amounts ($300, $2100) decimals add noise — show them
      // only when fractional.
      const n = Number(v);
      const isWhole = Math.abs(n - Math.round(n)) < 0.005;
      return sym + (isWhole ? Math.round(n).toLocaleString() : n.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 }));
    }

    // Section header
    sec.appendChild(el('div', {
      style: { fontSize: '10px', fontWeight: '700', letterSpacing: '0.04em',
        textTransform: 'uppercase', color: 'var(--tb-text-soft)', marginBottom: 'var(--tb-sp-1)' },
    }, '💰 ' + t('ht.notes.cards.section.benefits')));

    // Referral pill (when explicitly set, since "unknown" is meaningful)
    if (b.referral_required === true || b.referral_required === false) {
      const refPill = b.referral_required === false
        ? { icon: '✓', label: t('ht.notes.cards.field.noReferral'), color: 'var(--tb-success)' }
        : { icon: '⚠', label: t('ht.notes.cards.field.referralReq'), color: 'var(--tb-warn)' };
      sec.appendChild(el('div', {
        style: { display: 'inline-flex', alignItems: 'center', gap: '6px',
          padding: '3px 10px', borderRadius: 'var(--tb-radius-pill)',
          background: refPill.color + '22', color: refPill.color,
          fontSize: '11px', fontWeight: '700', letterSpacing: '0.04em',
          textTransform: 'uppercase',
          marginBottom: 'var(--tb-sp-2)' },
      }, refPill.icon + ' ' + refPill.label));
    }

    // Deductible + OOP Max grid (each shows individual / family)
    const hasDed = b.deductible_individual != null || b.deductible_family != null;
    const hasOop = b.oop_max_individual != null || b.oop_max_family != null;
    if (hasDed || hasOop) {
      const moneyGrid = el('div', {
        style: {
          display: 'grid',
          gridTemplateColumns: 'repeat(auto-fit, minmax(180px, 1fr))',
          gap: 'var(--tb-sp-2)',
          marginBottom: 'var(--tb-sp-2)',
        },
      });
      function moneyBlock(label, indiv, family) {
        const blk = el('div', {
          style: {
            padding: 'var(--tb-sp-2) var(--tb-sp-3)',
            background: 'var(--tb-bg-elev, rgba(0,0,0,0.02))',
            borderRadius: 'var(--tb-radius-1)',
          },
        });
        blk.appendChild(el('div', {
          style: { fontSize: '10px', textTransform: 'uppercase', letterSpacing: '0.04em',
            color: 'var(--tb-text-soft)', marginBottom: '4px' },
        }, label));
        const row = el('div', {
          style: { display: 'flex', gap: 'var(--tb-sp-3)', flexWrap: 'wrap', fontFamily: 'var(--tb-font-mono)' },
        });
        if (indiv != null) {
          row.appendChild(el('div', null,
            el('span', { style: { fontWeight: '600' } }, fmtMoney(indiv)),
            el('span', { class: 'tb-card-meta', style: { fontSize: '10px', marginLeft: '4px' } },
              t('ht.notes.cards.field.individual')),
          ));
        }
        if (family != null) {
          row.appendChild(el('div', null,
            el('span', { style: { fontWeight: '600' } }, fmtMoney(family)),
            el('span', { class: 'tb-card-meta', style: { fontSize: '10px', marginLeft: '4px' } },
              t('ht.notes.cards.field.family')),
          ));
        }
        blk.appendChild(row);
        return blk;
      }
      if (hasDed) moneyGrid.appendChild(moneyBlock(t('ht.notes.cards.field.deductible'),
        b.deductible_individual, b.deductible_family));
      if (hasOop) moneyGrid.appendChild(moneyBlock(t('ht.notes.cards.field.oopMax'),
        b.oop_max_individual, b.oop_max_family));
      sec.appendChild(moneyGrid);
    }

    // Service coverage list (PCP visit, specialist, urgent care, ER, hospital)
    const services = [
      { key: 'copay_pcp',          label: t('ht.notes.cards.svc.pcp') },
      { key: 'copay_specialist',   label: t('ht.notes.cards.svc.specialist') },
      { key: 'copay_urgent_care',  label: t('ht.notes.cards.svc.urgent') },
      { key: 'copay_er',           label: t('ht.notes.cards.svc.er') },
      { key: 'copay_hospital',     label: t('ht.notes.cards.svc.hospital') },
    ];
    const filledServices = services.filter((s) => b[s.key]);
    if (filledServices.length > 0) {
      const svcBlock = el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg-elev, rgba(0,0,0,0.02))',
          borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      });
      svcBlock.appendChild(el('div', {
        style: { fontSize: '10px', textTransform: 'uppercase', letterSpacing: '0.04em',
          color: 'var(--tb-text-soft)', marginBottom: '6px' },
      }, t('ht.notes.cards.section.svcCoverage')));
      const grid = el('div', {
        style: { display: 'grid', gridTemplateColumns: 'minmax(120px, max-content) 1fr',
          gap: '4px 12px', fontSize: 'var(--tb-fs-12)' },
      });
      for (const s of filledServices) {
        grid.appendChild(el('span', { class: 'tb-card-meta' }, s.label));
        grid.appendChild(el('span', { style: { fontFamily: 'var(--tb-font-mono)' } }, b[s.key]));
      }
      svcBlock.appendChild(grid);
      sec.appendChild(svcBlock);
    }

    // Rx coverage — prose block
    if (b.rx_coverage) {
      const rxBlock = el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg-elev, rgba(0,0,0,0.02))',
          borderLeft: '2px solid ' + cardStyle.accent,
          borderRadius: 'var(--tb-radius-1)',
          marginBottom: b.benefits_notes ? 'var(--tb-sp-2)' : '0',
        },
      });
      rxBlock.appendChild(el('div', {
        style: { fontSize: '10px', textTransform: 'uppercase', letterSpacing: '0.04em',
          color: 'var(--tb-text-soft)', marginBottom: '4px' },
      }, '💊 ' + t('ht.notes.cards.field.rxCoverage')));
      rxBlock.appendChild(el('div', {
        style: { fontSize: 'var(--tb-fs-12)', lineHeight: 'var(--tb-lh-body)', whiteSpace: 'pre-wrap' },
      }, b.rx_coverage));
      sec.appendChild(rxBlock);
    }

    // Free-form benefits notes (anything else worth keeping)
    if (b.benefits_notes) {
      sec.appendChild(el('div', {
        style: { fontSize: 'var(--tb-fs-12)', lineHeight: 'var(--tb-lh-body)',
          whiteSpace: 'pre-wrap', color: 'var(--tb-text-soft)', fontStyle: 'italic' },
      }, b.benefits_notes));
    }

    return sec;
  }

  // Helper: a grouped section in the card panel (label + rows of label:value)
  function buildCardSection(label, rows) {
    const el = TB.utils.el;
    if (rows.length === 0) return el('div');
    const sec = el('div');
    sec.appendChild(el('div', {
      style: { fontSize: '10px', fontWeight: '700', letterSpacing: '0.04em',
        textTransform: 'uppercase', color: 'var(--tb-text-soft)', marginBottom: '4px' },
    }, label));
    const grid = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'minmax(110px, max-content) 1fr',
        gap: '2px 12px', fontSize: 'var(--tb-fs-12)', lineHeight: '1.5' },
    });
    for (const [k, v] of rows) {
      grid.appendChild(el('span', { class: 'tb-card-meta' }, k));
      const valNode = (v && typeof v === 'object' && v.nodeType) ? v : el('span', { style: { fontFamily: 'var(--tb-font-mono)' } }, String(v));
      grid.appendChild(valNode);
    }
    sec.appendChild(grid);
    return sec;
  }

  function formatPhoneLink(raw) {
    const el = TB.utils.el;
    const digits = String(raw || '').replace(/[^\d+]/g, '');
    if (!digits) return el('span', { style: { fontFamily: 'var(--tb-font-mono)' } }, raw || '');
    return el('a', {
      href: 'tel:' + digits,
      style: { color: 'var(--tb-track-health)', fontFamily: 'var(--tb-font-mono)' },
    }, raw);
  }
  function formatWebLink(raw) {
    const el = TB.utils.el;
    const url = /^https?:\/\//.test(raw) ? raw : ('https://' + raw);
    return el('a', {
      href: url,
      target: '_blank',
      rel: 'noopener noreferrer',
      style: { color: 'var(--tb-track-health)', wordBreak: 'break-all' },
    }, raw);
  }
  function formatEmailLink(raw) {
    const el = TB.utils.el;
    return el('a', {
      href: 'mailto:' + raw,
      style: { color: 'var(--tb-track-health)' },
    }, raw);
  }

  // ====================================================================
  // Insurance card vision import
  // ====================================================================
  //
  // openInsuranceCardImportModal()
  //   • Drop zone for PDF/image of an insurance card
  //   • Calls TB.ai.callClaudeVisionForInsuranceCard
  //   • Prefills the Insurance Summary fields (member ID last 4 only)
  //   • ALSO creates a Document Vault item (category='insurance',
  //     type='insurance_health', linked_module='health-tracker') so
  //     the card surfaces in the vault's expiry tracking and renewal
  //     reminders. Stores vault_doc_id back on the insurance_summary
  //     for the bi-directional link.

  function openInsuranceCardImportModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '640px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, '🪪 ' + t('ht.notes.import.title')));
    modal.appendChild(el('p', { class: 'tb-card-meta' }, t('ht.notes.import.intro')));

    const status = el('div', { style: { marginTop: 'var(--tb-sp-2)', minHeight: '1.4em', fontSize: 'var(--tb-fs-12)' } });

    const fileInput = el('input', {
      type: 'file',
      accept: 'image/png,image/jpeg,image/jpg,image/webp,image/gif,application/pdf',
      style: { display: 'none' },
      onchange: (e) => {
        const f = e.target.files && e.target.files[0];
        if (f) handleUpload(f);
        e.target.value = '';
      },
    });

    const dropZone = el('div', {
      style: {
        border: '1px dashed var(--tb-border)', borderRadius: 'var(--tb-radius-2)',
        padding: 'var(--tb-sp-4)', textAlign: 'center', background: 'var(--tb-bg)',
        marginBottom: 'var(--tb-sp-2)',
      },
    },
      el('div', { style: { fontWeight: '600', marginBottom: 'var(--tb-sp-2)' } }, t('ht.notes.import.dropTitle')),
      el('div', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-2)' } }, t('ht.notes.import.dropHelp')),
      el('button', {
        class: 'tb-btn', type: 'button',
        onclick: () => fileInput.click(),
      }, '📎 ' + t('ht.import.choose')),
      fileInput,
    );
    if (TB.utils && typeof TB.utils.attachFileDrop === 'function') {
      TB.utils.attachFileDrop(dropZone, {
        accept: ['image/png','image/jpeg','image/jpg','image/webp','image/gif','application/pdf','.pdf'],
        text: '⤓ ' + t('ht.import.dropOver'),
        onFile: (f) => handleUpload(f),
        onError: (msg) => { status.textContent = '✗ ' + msg; status.style.color = 'var(--tb-error)'; },
      });
    }
    modal.appendChild(dropZone);
    modal.appendChild(status);

    async function handleUpload(file) {
      status.textContent = '⏳ ' + t('ht.notes.import.processing', { name: file.name });
      status.style.color = 'var(--tb-text-soft)';
      try {
        const result = await TB.ai.callClaudeVisionForInsuranceCard(file, {});
        const ext = result.extracted || {};
        const cost = (result.cost_usd || 0).toFixed(4);
        status.textContent = '✓ ' + t('ht.notes.import.done', { cost });
        status.style.color = 'var(--tb-success)';
        // Show review screen with extracted fields. User confirms,
        // then we save to both insurance_summary and vault.
        modal.innerHTML = '';
        renderInsuranceCardReview(modal, ext, file, Number(result.cost_usd) || 0, close);
      } catch (err) {
        status.textContent = '✗ ' + (err.message || err);
        status.style.color = 'var(--tb-error)';
      }
    }

    modal.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'flex-end', marginTop: 'var(--tb-sp-3)' },
    },
      el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')),
    ));

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // Review screen — shows extracted card metadata before save, with
  // privacy-conscious treatment: full member ID is never stored, only
  // last 4 digits per the extraction prompt's contract.
  function renderInsuranceCardReview(modal, ext, originalFile, costUsd, close) {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, '🪪 ' + t('ht.notes.import.review.title')));
    modal.appendChild(el('p', { class: 'tb-card-meta' }, t('ht.notes.import.review.intro')));

    // Preview card — show every non-null extracted field
    const previewCard = el('div', {
      style: {
        padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
        borderLeft: '3px solid var(--tb-track-health)',
        borderRadius: 'var(--tb-radius-2)', marginBottom: 'var(--tb-sp-3)',
      },
    });
    const headBits = [];
    if (ext.insurer) headBits.push(ext.insurer);
    if (ext.plan_name) headBits.push(ext.plan_name);
    previewCard.appendChild(el('div', { style: { fontWeight: '600' } },
      headBits.length > 0 ? headBits.join(' · ') : t('ht.notes.import.review.unknownIssuer')));

    const fieldsList = el('div', { style: { marginTop: 'var(--tb-sp-2)', display: 'grid', gridTemplateColumns: 'auto 1fr', gap: '4px 12px', fontSize: 'var(--tb-fs-12)' } });
    function previewField(labelKey, value) {
      if (value == null || value === '') return;
      fieldsList.appendChild(el('span', { class: 'tb-card-meta' }, t(labelKey)));
      fieldsList.appendChild(el('span', { style: { fontFamily: 'var(--tb-font-mono)' } }, String(value)));
    }
    previewField('ht.notes.import.review.network', ext.network_type);
    previewField('ht.notes.import.review.coverage', ext.coverage_type);
    if (ext.member_id_last4) previewField('ht.notes.import.review.memberId', '••••' + ext.member_id_last4);
    previewField('ht.notes.import.review.member', ext.member_name);
    previewField('ht.notes.import.review.group', ext.group_number);
    previewField('ht.notes.import.review.bin', ext.bin);
    previewField('ht.notes.import.review.pcn', ext.pcn);
    previewField('ht.notes.import.review.rxGroup', ext.rx_group);
    previewField('ht.notes.import.review.pcp', ext.pcp_name);
    previewField('ht.notes.import.review.pcpPhone', ext.pcp_phone);
    previewField('ht.notes.import.review.csPhone', ext.customer_service_phone);
    previewField('ht.notes.import.review.memberPhone', ext.member_services_phone);
    previewField('ht.notes.import.review.rxPhone', ext.pharmacy_help_phone);
    previewField('ht.notes.import.review.effective', ext.effective_date);
    previewField('ht.notes.import.review.expires', ext.expiry_date);
    previewField('ht.notes.import.review.country', ext.issuing_country);
    if (ext.notes_suggestion) previewField('ht.notes.import.review.notes', ext.notes_suggestion);
    previewCard.appendChild(fieldsList);

    // Privacy callout
    previewCard.appendChild(el('div', {
      style: { marginTop: 'var(--tb-sp-2)', padding: '6px 10px',
        background: 'rgba(46, 107, 92, 0.08)',
        borderRadius: 'var(--tb-radius-1)',
        fontSize: '11px', fontStyle: 'italic', color: 'var(--tb-text-soft)' },
    }, '🔒 ' + t('ht.notes.import.review.privacy')));

    modal.appendChild(previewCard);

    // Save controls — checkbox for vault save (default on), confirm + cancel
    const saveToVault = { value: true };
    modal.appendChild(el('label', {
      style: { display: 'flex', alignItems: 'center', gap: '8px', cursor: 'pointer', marginBottom: 'var(--tb-sp-3)' },
    },
      el('input', {
        type: 'checkbox', checked: true,
        onchange: (e) => { saveToVault.value = !!e.target.checked; },
      }),
      el('span', null, t('ht.notes.import.review.saveToVault')),
    ));

    modal.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)' },
    },
      el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')),
      el('button', {
        class: 'tb-btn', type: 'button',
        onclick: () => {
          applyInsuranceCardExtraction(ext, originalFile, costUsd, saveToVault.value);
          close();
          rerender();
        },
      }, '✓ ' + t('ht.notes.import.review.save')),
    ));
  }

  // Persist the extracted card data as a new entry in
  // insurance_summary.cards[] (so dental + vision + medical can
  // coexist), and optionally create a Document Vault item with
  // bidirectional linking.
  function applyInsuranceCardExtraction(ext, originalFile, costUsd, saveToVault) {
    const cardType = (ext.coverage_type === 'dental' || ext.coverage_type === 'vision' ||
                      ext.coverage_type === 'prescription') ? ext.coverage_type
                   : (ext.coverage_type === 'medical' || ext.coverage_type === 'combined') ? ext.coverage_type
                   : 'medical';

    const cardId = (TB.utils && TB.utils.uuid)
      ? TB.utils.uuid()
      : ('card-' + Date.now().toString(36) + '-' + Math.random().toString(36).slice(2, 6));

    let vaultDocId = null;
    if (saveToVault && TB.docVault && typeof TB.docVault.upsertItem === 'function') {
      vaultDocId = (TB.utils && TB.utils.uuid)
        ? TB.utils.uuid()
        : ('vault-' + Date.now().toString(36) + '-' + Math.random().toString(36).slice(2, 6));
      const titleBits = [ext.insurer, ext.plan_name].filter(Boolean);
      const docTitle = titleBits.length > 0 ? titleBits.join(' — ') :
        (cardType === 'dental' ? 'Dental insurance card' :
         cardType === 'vision' ? 'Vision insurance card' :
         'Health insurance card');
      // Brief notes for the vault item — full structured fields live
      // on the card itself, not duplicated in the vault notes.
      const docNotes = [
        ext.network_type ? 'Network: ' + ext.network_type : '',
        ext.coverage_areas ? 'Coverage: ' + ext.coverage_areas : '',
        ext.notes_suggestion || '',
      ].filter(Boolean).join('\n');
      TB.docVault.upsertItem({
        id: vaultDocId,
        category: 'insurance',
        type: 'insurance_health',
        title: docTitle,
        person_name: ext.member_name || (TB.state.get('profile.displayName') || ''),
        issuing_authority: ext.insurer || '',
        issue_date: ext.effective_date || null,
        expiry_date: ext.expiry_date || null,
        reference_number_last4: ext.member_id_last4 || null,
        storage_location: originalFile ? originalFile.name : '',
        notes: docNotes,
        linked_module: 'health-tracker',
        linked_id: 'insurance_summary',
        ai_imported: true,
        ai_cost_usd: costUsd,
        created_at: new Date().toISOString(),
        updated_at: new Date().toISOString(),
      });
    }

    // Benefits sub-object — preserve all the structured-coverage detail
    // the AI extracted (deductible, OOP, copays, Rx, referral).
    const extBenefits = (ext && ext.benefits) || {};
    const benefits = {
      referral_required: typeof extBenefits.referral_required === 'boolean' ? extBenefits.referral_required : null,
      deductible_individual: (typeof extBenefits.deductible_individual === 'number' && isFinite(extBenefits.deductible_individual)) ? extBenefits.deductible_individual : null,
      deductible_family: (typeof extBenefits.deductible_family === 'number' && isFinite(extBenefits.deductible_family)) ? extBenefits.deductible_family : null,
      oop_max_individual: (typeof extBenefits.oop_max_individual === 'number' && isFinite(extBenefits.oop_max_individual)) ? extBenefits.oop_max_individual : null,
      oop_max_family: (typeof extBenefits.oop_max_family === 'number' && isFinite(extBenefits.oop_max_family)) ? extBenefits.oop_max_family : null,
      currency: extBenefits.currency || 'USD',
      copay_pcp: extBenefits.copay_pcp || '',
      copay_specialist: extBenefits.copay_specialist || '',
      copay_urgent_care: extBenefits.copay_urgent_care || '',
      copay_er: extBenefits.copay_er || '',
      copay_hospital: extBenefits.copay_hospital || '',
      rx_coverage: extBenefits.rx_coverage || '',
      benefits_notes: extBenefits.benefits_notes || '',
    };

    upsertInsuranceCard({
      id: cardId,
      card_type: cardType,
      label: '',
      insurer: ext.insurer || '',
      plan_name: ext.plan_name || '',
      network_type: ext.network_type || '',
      coverage_type: ext.coverage_type || cardType,
      member_name: ext.member_name || '',
      member_id_last4: ext.member_id_last4 || '',
      group_number: ext.group_number || '',
      effective_date: ext.effective_date || null,
      expiry_date: ext.expiry_date || null,
      bin: ext.bin || '',
      pcn: ext.pcn || '',
      rx_group: ext.rx_group || '',
      pcp_name: ext.pcp_name || '',
      pcp_phone: ext.pcp_phone || '',
      customer_service_phone: ext.customer_service_phone || '',
      member_services_phone: ext.member_services_phone || '',
      claims_phone: ext.claims_phone || '',
      pharmacy_help_phone: ext.pharmacy_help_phone || '',
      provider_services_phone: ext.provider_services_phone || '',
      emergency_phone: ext.emergency_phone || '',
      nurse_line_phone: ext.nurse_line_phone || '',
      mental_health_phone: ext.mental_health_phone || '',
      claims_website: ext.claims_website || '',
      claims_address: ext.claims_address || '',
      member_portal: ext.member_portal || '',
      mobile_app: ext.mobile_app || '',
      email: ext.email || '',
      issuing_country: ext.issuing_country || '',
      coverage_areas: ext.coverage_areas || '',
      benefits,
      notes: ext.notes_suggestion || '',
      vault_doc_id: vaultDocId,
      ai_imported: true,
      ai_cost_usd: costUsd,
      filename: originalFile ? originalFile.name : '',
      created_at: new Date().toISOString(),
      updated_at: new Date().toISOString(),
    });
  }

  // ─── Card edit modal ─────────────────────────────────────────────
  //
  // Sectioned form — same grouping as the read-view panel. Card_type
  // picker at top determines which sections are most relevant
  // (pharmacy fields are most useful on medical/Rx cards; less so on
  // dental/vision).
  function openInsuranceCardEditModal(existing) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const isEdit = !!existing;
    // Re-fetch from state to avoid stale-object renders (same pattern
    // we use throughout the module after canonicalize/recompute sweeps).
    if (existing && existing.id) {
      const fresh = getInsuranceCards().find((c) => c.id === existing.id);
      if (fresh) existing = fresh;
    }
    const draft = existing ? JSON.parse(JSON.stringify(existing)) : {
      id: (TB.utils && TB.utils.uuid) ? TB.utils.uuid()
        : ('card-' + Date.now().toString(36) + '-' + Math.random().toString(36).slice(2, 6)),
      card_type: 'medical',
      label: '',
      insurer: '', plan_name: '', network_type: '', coverage_type: 'medical',
      member_name: '', member_id_last4: '', group_number: '',
      effective_date: null, expiry_date: null,
      bin: '', pcn: '', rx_group: '',
      pcp_name: '', pcp_phone: '',
      customer_service_phone: '', member_services_phone: '', claims_phone: '',
      pharmacy_help_phone: '', provider_services_phone: '', emergency_phone: '',
      nurse_line_phone: '', mental_health_phone: '',
      claims_website: '', claims_address: '', member_portal: '', mobile_app: '', email: '',
      issuing_country: '', coverage_areas: '', notes: '',
      benefits: {
        referral_required: null,
        deductible_individual: null, deductible_family: null,
        oop_max_individual: null, oop_max_family: null,
        currency: 'USD',
        copay_pcp: '', copay_specialist: '', copay_urgent_care: '',
        copay_er: '', copay_hospital: '',
        rx_coverage: '', benefits_notes: '',
      },
      vault_doc_id: null,
      ai_imported: false,
      created_at: new Date().toISOString(),
      updated_at: new Date().toISOString(),
    };
    // Ensure benefits exists even on legacy cards being edited
    if (!draft.benefits) {
      draft.benefits = {
        referral_required: null,
        deductible_individual: null, deductible_family: null,
        oop_max_individual: null, oop_max_family: null,
        currency: 'USD',
        copay_pcp: '', copay_specialist: '', copay_urgent_care: '',
        copay_er: '', copay_hospital: '',
        rx_coverage: '', benefits_notes: '',
      };
    }

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '720px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('button', { class: 'tb-modal-close', type: 'button', onclick: close }, '×'));
    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      isEdit ? '🪪 ' + t('ht.notes.cards.edit.title') : '🪪 ' + t('ht.notes.cards.add.title')));

    // Card type picker
    modal.appendChild(field(t('ht.notes.cards.field.cardType'), el('select', {
      class: 'tb-select',
      onchange: (e) => { draft.card_type = e.target.value; },
    },
      ['medical', 'dental', 'vision', 'prescription', 'combined', 'other'].map((tt) =>
        el('option', { value: tt, selected: draft.card_type === tt }, t('ht.notes.cards.type.' + tt))),
    ), t('ht.notes.cards.field.cardType.help')));

    // ─── Plan basics
    modal.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)' } },
      '📋 ' + t('ht.notes.cards.section.basics')));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.notes.cards.field.insurer'), textInput(draft.insurer, (v) => draft.insurer = v)),
      field(t('ht.notes.cards.field.plan'), textInput(draft.plan_name, (v) => draft.plan_name = v)),
    ));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.notes.cards.field.network'), textInput(draft.network_type, (v) => draft.network_type = v),
        t('ht.notes.cards.field.network.help')),
      field(t('ht.notes.cards.field.country'), textInput(draft.issuing_country, (v) => draft.issuing_country = v)),
    ));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.notes.cards.field.effective'), dateInput(draft.effective_date, (v) => draft.effective_date = v || null)),
      field(t('ht.notes.cards.field.expires'), dateInput(draft.expiry_date, (v) => draft.expiry_date = v || null)),
    ));
    modal.appendChild(field(t('ht.notes.cards.field.coverageAreas'),
      textInput(draft.coverage_areas, (v) => draft.coverage_areas = v),
      t('ht.notes.cards.field.coverageAreas.help')));

    // ─── Benefits (deductible, OOP, copays, Rx, referral)
    modal.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)' } },
      '💰 ' + t('ht.notes.cards.section.benefits')));
    // Referral toggle — tri-state (yes / no / unknown). We model as a
    // select rather than checkbox so "unknown" stays explicit.
    modal.appendChild(field(t('ht.notes.cards.field.referral'), el('select', {
      class: 'tb-select',
      onchange: (e) => {
        const v = e.target.value;
        draft.benefits.referral_required = v === 'yes' ? true : v === 'no' ? false : null;
      },
    },
      el('option', { value: '', selected: draft.benefits.referral_required == null }, t('ht.notes.cards.field.referral.unknown')),
      el('option', { value: 'no', selected: draft.benefits.referral_required === false }, t('ht.notes.cards.field.referral.no')),
      el('option', { value: 'yes', selected: draft.benefits.referral_required === true }, t('ht.notes.cards.field.referral.yes')),
    )));
    // Currency
    modal.appendChild(field(t('ht.notes.cards.field.currency'), el('select', {
      class: 'tb-select',
      onchange: (e) => { draft.benefits.currency = e.target.value; },
    },
      ['USD', 'JPY', 'EUR', 'GBP', 'CAD', 'AUD', 'CHF'].map((cur) =>
        el('option', { value: cur, selected: draft.benefits.currency === cur }, cur)),
    )));
    // Deductible
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.notes.cards.field.deductibleIndiv'),
        numInput(draft.benefits.deductible_individual, (v) => { draft.benefits.deductible_individual = v; })),
      field(t('ht.notes.cards.field.deductibleFam'),
        numInput(draft.benefits.deductible_family, (v) => { draft.benefits.deductible_family = v; })),
    ));
    // OOP Max
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.notes.cards.field.oopIndiv'),
        numInput(draft.benefits.oop_max_individual, (v) => { draft.benefits.oop_max_individual = v; })),
      field(t('ht.notes.cards.field.oopFam'),
        numInput(draft.benefits.oop_max_family, (v) => { draft.benefits.oop_max_family = v; })),
    ));
    // Per-service copays — free-form text since formats vary
    // ("$25" / "Ded/80%" / "100%" / "20% after deductible")
    modal.appendChild(el('div', {
      class: 'tb-field-help',
      style: { fontSize: '11px', marginBottom: 'var(--tb-sp-1)' },
    }, t('ht.notes.cards.field.copay.help')));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.notes.cards.svc.pcp'),
        textInput(draft.benefits.copay_pcp, (v) => { draft.benefits.copay_pcp = v; })),
      field(t('ht.notes.cards.svc.specialist'),
        textInput(draft.benefits.copay_specialist, (v) => { draft.benefits.copay_specialist = v; })),
    ));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.notes.cards.svc.urgent'),
        textInput(draft.benefits.copay_urgent_care, (v) => { draft.benefits.copay_urgent_care = v; })),
      field(t('ht.notes.cards.svc.er'),
        textInput(draft.benefits.copay_er, (v) => { draft.benefits.copay_er = v; })),
    ));
    modal.appendChild(field(t('ht.notes.cards.svc.hospital'),
      textInput(draft.benefits.copay_hospital, (v) => { draft.benefits.copay_hospital = v; })));
    // Rx coverage — multi-line since formats can be verbose
    // ("Not covered US INN/OON; International 80%")
    modal.appendChild(field(t('ht.notes.cards.field.rxCoverage'),
      textareaInput(draft.benefits.rx_coverage, (v) => { draft.benefits.rx_coverage = v; }),
      t('ht.notes.cards.field.rxCoverage.help')));
    // Free-form benefits notes
    modal.appendChild(field(t('ht.notes.cards.field.benefitsNotes'),
      textareaInput(draft.benefits.benefits_notes, (v) => { draft.benefits.benefits_notes = v; }),
      t('ht.notes.cards.field.benefitsNotes.help')));

    // ─── Member
    modal.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)' } },
      '👤 ' + t('ht.notes.cards.section.member')));
    modal.appendChild(field(t('ht.notes.cards.field.memberName'),
      textInput(draft.member_name, (v) => draft.member_name = v)));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.notes.cards.field.memberId'),
        textInput(draft.member_id_last4, (v) => draft.member_id_last4 = v),
        t('ht.notes.cards.field.memberId.help')),
      field(t('ht.notes.cards.field.group'),
        textInput(draft.group_number, (v) => draft.group_number = v)),
    ));

    // ─── Pharmacy (medical/Rx/combined only)
    const showRx = draft.card_type === 'medical' || draft.card_type === 'combined' || draft.card_type === 'prescription';
    if (showRx) {
      modal.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)' } },
        '💊 ' + t('ht.notes.cards.section.pharmacy')));
      modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr 1fr', gap: 'var(--tb-sp-3)' } },
        field(t('ht.notes.cards.field.bin'), textInput(draft.bin, (v) => draft.bin = v)),
        field(t('ht.notes.cards.field.pcn'), textInput(draft.pcn, (v) => draft.pcn = v)),
        field(t('ht.notes.cards.field.rxGroup'), textInput(draft.rx_group, (v) => draft.rx_group = v)),
      ));
    }

    // ─── PCP (medical/combined only)
    if (draft.card_type === 'medical' || draft.card_type === 'combined') {
      modal.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)' } },
        '🩺 ' + t('ht.notes.cards.section.pcp')));
      modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
        field(t('ht.notes.cards.field.pcpName'), textInput(draft.pcp_name, (v) => draft.pcp_name = v)),
        field(t('ht.notes.cards.field.pcpPhone'), textInput(draft.pcp_phone, (v) => draft.pcp_phone = v)),
      ));
    }

    // ─── Contact phones (always)
    modal.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)' } },
      '📞 ' + t('ht.notes.cards.section.contact')));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.notes.cards.field.csPhone'), textInput(draft.customer_service_phone, (v) => draft.customer_service_phone = v)),
      field(t('ht.notes.cards.field.memberPhone'), textInput(draft.member_services_phone, (v) => draft.member_services_phone = v)),
    ));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.notes.cards.field.claimsPhone'), textInput(draft.claims_phone, (v) => draft.claims_phone = v)),
      field(t('ht.notes.cards.field.providerPhone'), textInput(draft.provider_services_phone, (v) => draft.provider_services_phone = v)),
    ));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.notes.cards.field.rxPhone'), textInput(draft.pharmacy_help_phone, (v) => draft.pharmacy_help_phone = v)),
      field(t('ht.notes.cards.field.nursePhone'), textInput(draft.nurse_line_phone, (v) => draft.nurse_line_phone = v)),
    ));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.notes.cards.field.mhPhone'), textInput(draft.mental_health_phone, (v) => draft.mental_health_phone = v)),
      field(t('ht.notes.cards.field.emergencyPhone'), textInput(draft.emergency_phone, (v) => draft.emergency_phone = v)),
    ));

    // ─── Online & Claims
    modal.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)' } },
      '🌐 ' + t('ht.notes.cards.section.online')));
    modal.appendChild(field(t('ht.notes.cards.field.claimsWeb'),
      textInput(draft.claims_website, (v) => draft.claims_website = v)));
    modal.appendChild(field(t('ht.notes.cards.field.portal'),
      textInput(draft.member_portal, (v) => draft.member_portal = v)));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.notes.cards.field.mobileApp'), textInput(draft.mobile_app, (v) => draft.mobile_app = v)),
      field(t('ht.notes.cards.field.email'), textInput(draft.email, (v) => draft.email = v)),
    ));
    modal.appendChild(field(t('ht.notes.cards.field.claimsAddr'),
      textareaInput(draft.claims_address, (v) => draft.claims_address = v),
      t('ht.notes.cards.field.claimsAddr.help')));

    // ─── Notes
    modal.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)' } },
      '📝 ' + t('ht.notes.cards.section.notes')));
    modal.appendChild(textareaInput(draft.notes, (v) => draft.notes = v));

    // Buttons
    const btnRow = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', marginTop: 'var(--tb-sp-4)' },
    });
    if (isEdit) {
      btnRow.appendChild(el('button', {
        class: 'tb-btn tb-btn--danger', type: 'button',
        onclick: () => {
          if (!deleteInsuranceCardWithUndo(draft.id)) return;
          close();
          rerender();
        },
      }, t('ht.delete')));
    } else {
      btnRow.appendChild(el('span'));
    }
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')));
    right.appendChild(el('button', {
      class: 'tb-btn', type: 'button',
      onclick: () => {
        upsertInsuranceCard(draft);
        close();
        rerender();
      },
    }, t('ht.save')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ====================================================================
  // Exam edit modal — the workhorse
  // ====================================================================

  function openExamEditModal(existing, prefill) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    // Re-fetch from state so callers holding a stale `existing`
    // reference (e.g., after a canonicalization sweep updated the
    // facility name, or after an invoice attach upgraded a field) see
    // the latest values when reopening the modal.
    if (existing && existing.id) {
      const fresh = getExams().find((e) => e.id === existing.id);
      if (fresh) existing = fresh;
    }
    const isEdit = !!existing;
    const draft = existing ? JSON.parse(JSON.stringify(existing)) : Object.assign({
      id: 'exam-' + Date.now().toString(36),
      date: new Date().toISOString().slice(0, 10),
      type: 'blood_panel',
      provider: '',
      facility: '',
      vitals: {},
      lab_results: [],
      diagnoses: [],
      procedures: [],
      followup: '',
      notes: '',
      ai_summary: '',
      linked_doc_id: null,
      linked_consultation_id: null,
      created_at: new Date().toISOString(),
    }, prefill || {});

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '720px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('button', { class: 'tb-modal-close', type: 'button', onclick: close }, '×'));
    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      (isEdit ? t('ht.exams.edit') : t('ht.exams.addTitle'))));

    // Top fields: type, date, provider, facility
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.exams.field.type'), el('select', {
        class: 'tb-select',
        onchange: (e) => { draft.type = e.target.value; },
      }, EXAM_TYPES.map((et) => el('option', { value: et.id, selected: draft.type === et.id }, lang === 'ja' ? et.label_jp : et.label_en)))),
      field(t('ht.exams.field.date'), dateInput(draft.date, (v) => { draft.date = v; })),
    ));
    const providerInput = textInput(draft.provider, (v) => { draft.provider = v; });
    const facilityInput = textInput(draft.facility, (v) => { draft.facility = v; });
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('ht.exams.field.provider'), providerInput),
      field(t('ht.exams.field.facility'), facilityInput),
    ));
    // ✨ Enhance provider info — fills in missing facility / appends
    // address+phone+website to notes using AI public-knowledge lookup.
    const hasKeyForEnrich = TB.ai && TB.ai.hasKey && TB.ai.hasKey();
    if (hasKeyForEnrich) {
      const enrichStatus = el('span', {
        style: { fontSize: '11px', color: 'var(--tb-text-soft)', marginLeft: 'var(--tb-sp-2)' },
      });
      modal.appendChild(el('div', {
        style: { display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)', marginTop: '-4px',
          marginBottom: 'var(--tb-sp-2)', flexWrap: 'wrap' },
      },
        el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { fontSize: '11px', padding: '2px 10px', color: 'var(--tb-track-ai)' },
          onclick: async (e) => {
            if (!draft.provider && !draft.facility) {
              enrichStatus.textContent = '⚠ ' + t('ht.exams.field.provider.enhance.needName');
              enrichStatus.style.color = 'var(--tb-warn)';
              return;
            }
            const btn = e.target;
            btn.disabled = true;
            enrichStatus.textContent = '⏳ ' + t('ht.exams.field.provider.enhance.processing');
            enrichStatus.style.color = 'var(--tb-text-soft)';
            try {
              const result = await TB.ai.callClaudeForProviderEnrichment({
                name_en: draft.provider, name_jp: '', type: examTypeLabel(draft.type),
                address: draft.facility, phone: '',
              });
              const en = result.extracted || {};
              const filled = [];
              // Facility: if blank, fill with address; otherwise append
              if (!draft.facility && en.address) { draft.facility = en.address; facilityInput.value = en.address; filled.push('facility'); }
              // Append phone / website / hours / specialties to notes
              const extras = [];
              if (en.phone) extras.push('☎ ' + en.phone);
              if (en.website) extras.push('🌐 ' + en.website);
              if (en.hours) extras.push('🕒 ' + en.hours);
              if (en.specialties) extras.push('Specialties: ' + en.specialties);
              if (en.notes) extras.push(en.notes);
              if (en.name_jp && !/[　-鿿]/.test(draft.provider || '')) {
                extras.unshift('JP: ' + en.name_jp);
              }
              if (extras.length > 0) {
                const cur = (draft.notes || '').trim();
                const block = '— Provider info (AI enhanced) —\n' + extras.join('\n');
                draft.notes = cur ? cur + '\n\n' + block : block;
                filled.push('notes');
              }
              const cost = (result.cost_usd || 0).toFixed(4);
              if (filled.length === 0) {
                enrichStatus.textContent = '⚠ ' + t('ht.exams.field.provider.enhance.nothing') + ' · $' + cost;
                enrichStatus.style.color = 'var(--tb-warn)';
              } else if (en.confidence === 'unknown' || en.confidence === 'low') {
                enrichStatus.textContent = '⚠ ' + t('ht.exams.field.provider.enhance.lowConf', { confidence: en.confidence }) + ' · $' + cost;
                enrichStatus.style.color = 'var(--tb-warn)';
              } else {
                enrichStatus.textContent = '✓ ' + t('ht.exams.field.provider.enhance.done', { n: filled.length, cost });
                enrichStatus.style.color = 'var(--tb-success)';
              }
              btn.disabled = false;
            } catch (err) {
              enrichStatus.textContent = '✗ ' + (err.message || err);
              enrichStatus.style.color = 'var(--tb-error)';
              btn.disabled = false;
            }
          },
        }, '✨ ' + t('ht.exams.field.provider.enhance')),
        el('span', { class: 'tb-card-meta', style: { fontSize: '10px' } },
          t('ht.exams.field.provider.enhance.help')),
        enrichStatus,
      ));
    }

    // ─── Episode link picker ────────────────────────────────
    // Lets the user tie this exam to a multi-visit care episode
    // (e.g., colonoscopy: pre-consult + labs + procedure + follow-up
    // all belong to one episode). Single-select; "create new" opens
    // the episode edit modal pre-filled with the exam date.
    const allEps = getEpisodes();
    const epSelect = el('select', {
      class: 'tb-select',
      onchange: (e) => {
        const v = e.target.value;
        if (v === '__new__') {
          // Save current exam state, then open new-episode flow
          upsertExam(draft);
          const root = document.getElementById('tb-modal-root');
          if (root) root.innerHTML = '';
          openEpisodeEditModal(null);
          return;
        }
        draft.episode_id = v || null;
      },
    },
      el('option', { value: '', selected: !draft.episode_id }, '— ' + t('ht.exams.field.episode.none') + ' —'),
      ...allEps.map((ep) =>
        el('option', { value: ep.id, selected: draft.episode_id === ep.id },
          (episodeCategoryMeta(ep.category).icon) + ' ' + ep.title +
          (ep.started_date ? ' (' + ep.started_date.slice(0, 7) + ')' : ''))),
      el('option', { value: '__new__' }, '+ ' + t('ht.exams.field.episode.createNew')),
    );
    modal.appendChild(field('🧭 ' + t('ht.exams.field.episode'),
      epSelect,
      t('ht.exams.field.episode.help')));

    // ─── Vitals section ─────────────────────────────────────
    const vitalsSection = el('details', {
      open: 'open',
      style: { marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)' },
    });
    vitalsSection.appendChild(el('summary', { style: { fontWeight: '600', cursor: 'pointer' } }, '⚕ ' + t('ht.exams.vitals.title')));
    const v = draft.vitals || (draft.vitals = {});
    vitalsSection.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(130px, 1fr))', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-2)' } },
      field(t('ht.vitals.weight_kg'), numInput(v.weight_kg, (x) => v.weight_kg = x)),
      field(t('ht.vitals.height_cm'), numInput(v.height_cm, (x) => v.height_cm = x)),
      field(t('ht.vitals.bp_systolic'), numInput(v.bp_systolic, (x) => v.bp_systolic = x)),
      field(t('ht.vitals.bp_diastolic'), numInput(v.bp_diastolic, (x) => v.bp_diastolic = x)),
      field(t('ht.vitals.heart_rate'), numInput(v.heart_rate_bpm, (x) => v.heart_rate_bpm = x)),
      field(t('ht.vitals.temp_c'), numInput(v.temp_c, (x) => v.temp_c = x)),
      field(t('ht.vitals.spo2'), numInput(v.spo2_pct, (x) => v.spo2_pct = x)),
    ));
    modal.appendChild(vitalsSection);

    // ─── Lab results section ─────────────────────────────────
    const labsSection = el('details', {
      open: 'open',
      style: { marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)' },
    });
    labsSection.appendChild(el('summary', { style: { fontWeight: '600', cursor: 'pointer' } },
      '🧪 ' + t('ht.exams.labs.title') + ' (' + (draft.lab_results || []).length + ')'));
    const labsList = el('div', { style: { marginTop: 'var(--tb-sp-2)' } });
    function renderLabs() {
      labsList.innerHTML = '';
      (draft.lab_results || []).forEach((lr, idx) => {
        const row = el('div', {
          style: { display: 'grid', gridTemplateColumns: '2fr 1fr 0.8fr 1fr 0.7fr auto', gap: '6px', alignItems: 'center', marginBottom: '4px' },
        });
        row.appendChild(el('input', {
          type: 'text', class: 'tb-input', placeholder: t('ht.labs.field.name'),
          value: lr.name || '',
          oninput: (e) => { lr.name = e.target.value; },
        }));
        row.appendChild(el('input', {
          type: 'number', step: 'any', class: 'tb-input', placeholder: t('ht.labs.field.value'),
          style: { fontFamily: 'var(--tb-font-mono)' },
          value: lr.value != null ? lr.value : '',
          oninput: (e) => {
            const x = parseFloat(e.target.value);
            lr.value = isFinite(x) ? x : null;
            recomputeFlag(lr);
          },
        }));
        row.appendChild(el('input', {
          type: 'text', class: 'tb-input', placeholder: t('ht.labs.field.unit'),
          value: lr.unit || '',
          oninput: (e) => { lr.unit = e.target.value; },
        }));
        const rangeRow = el('div', { style: { display: 'flex', gap: '4px' } },
          el('input', {
            type: 'number', step: 'any', class: 'tb-input',
            style: { fontFamily: 'var(--tb-font-mono)', width: '50%' },
            placeholder: 'low',
            value: lr.range_low != null ? lr.range_low : '',
            oninput: (e) => { const x = parseFloat(e.target.value); lr.range_low = isFinite(x) ? x : null; recomputeFlag(lr); },
          }),
          el('input', {
            type: 'number', step: 'any', class: 'tb-input',
            style: { fontFamily: 'var(--tb-font-mono)', width: '50%' },
            placeholder: 'high',
            value: lr.range_high != null ? lr.range_high : '',
            oninput: (e) => { const x = parseFloat(e.target.value); lr.range_high = isFinite(x) ? x : null; recomputeFlag(lr); },
          }),
        );
        row.appendChild(rangeRow);
        row.appendChild(el('select', {
          class: 'tb-select',
          onchange: (e) => { lr.flag = e.target.value; },
        },
          ['normal', 'low', 'high', 'critical'].map((f) =>
            el('option', { value: f, selected: lr.flag === f }, f)),
        ));
        row.appendChild(el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '0 6px', color: 'var(--tb-error)' },
          onclick: () => {
            draft.lab_results.splice(idx, 1);
            renderLabs();
          },
        }, '×'));
        labsList.appendChild(row);
      });
    }
    function recomputeFlag(lr) {
      if (lr.value == null || (lr.range_low == null && lr.range_high == null)) return;
      if (lr.range_high != null && lr.value > lr.range_high) lr.flag = 'high';
      else if (lr.range_low != null && lr.value < lr.range_low) lr.flag = 'low';
      else lr.flag = 'normal';
    }
    renderLabs();
    labsSection.appendChild(labsList);
    labsSection.appendChild(el('button', {
      class: 'tb-btn tb-btn--ghost', type: 'button',
      style: { fontSize: 'var(--tb-fs-12)', marginTop: 'var(--tb-sp-1)' },
      onclick: () => {
        draft.lab_results = draft.lab_results || [];
        draft.lab_results.push({ name: '', value: null, unit: '', range_low: null, range_high: null, flag: 'normal' });
        renderLabs();
      },
    }, '+ ' + t('ht.labs.addRow')));
    modal.appendChild(labsSection);

    // ─── Attached documents ─────────────────────────────────────
    // Each exam can have multiple source documents (lab report,
    // screening result, office summary, imaging report). This section
    // lists them and offers to attach more via the vision import flow.
    const docsSection = el('details', {
      open: 'open',
      style: { marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)' },
    });
    const docs = draft.documents || [];
    docsSection.appendChild(el('summary', { style: { fontWeight: '600', cursor: 'pointer' } },
      '📎 ' + t('ht.exams.docs.title') + ' (' + docs.length + ')'));
    if (docs.length === 0) {
      docsSection.appendChild(el('p', { class: 'tb-field-help', style: { margin: 'var(--tb-sp-2) 0' } }, t('ht.exams.docs.empty')));
    } else {
      const docList = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '6px', marginTop: 'var(--tb-sp-2)' } });
      for (const d of docs) {
        const row = el('div', {
          style: {
            padding: 'var(--tb-sp-2) var(--tb-sp-3)',
            background: 'var(--tb-bg-elev)',
            borderLeft: '3px solid var(--tb-track-health)',
            borderRadius: 'var(--tb-radius-1)',
            display: 'flex', justifyContent: 'space-between', alignItems: 'flex-start', gap: 'var(--tb-sp-3)',
          },
        });
        const docDetails = el('div', { style: { flex: '1', minWidth: '0' } });
        docDetails.appendChild(el('div', {
          style: { fontWeight: '600', display: 'flex', alignItems: 'center', gap: '8px', flexWrap: 'wrap' },
        },
          el('span', null, d.filename || d.title || t('ht.exams.docs.untitled')),
          el('span', {
            style: { fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
              background: 'rgba(46, 107, 92, 0.12)', color: 'var(--tb-track-ai)',
              fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
          }, documentKindLabel(d.kind || 'other')),
        ));
        if (d.ai_summary) {
          docDetails.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: '4px', lineHeight: 'var(--tb-lh-body)' } }, d.ai_summary));
        }
        docDetails.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: '4px', fontSize: '10px', fontFamily: 'var(--tb-font-mono)' } },
          (d.date_imported ? d.date_imported + ' · ' : '') +
          (d.filesize_kb ? d.filesize_kb + ' KB · ' : '') +
          (d.cost_usd != null ? '$' + Number(d.cost_usd).toFixed(4) : '')));
        row.appendChild(docDetails);
        row.appendChild(el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '0 8px', color: 'var(--tb-error)', fontSize: '14px' },
          title: t('ht.exams.docs.remove'),
          onclick: () => {
            if (!confirm(t('ht.exams.docs.remove.confirm'))) return;
            draft.documents = (draft.documents || []).filter((x) => x.id !== d.id);
            // Re-open the modal to re-render with updated list
            const updated = JSON.parse(JSON.stringify(draft));
            // Save now so the change persists even if user clicks Cancel
            upsertExam(updated);
            const root = document.getElementById('tb-modal-root');
            if (root) root.innerHTML = '';
            openExamEditModal(updated);
          },
        }, '×'));
        docList.appendChild(row);
      }
      docsSection.appendChild(docList);
    }
    // Attach-another button — only visible when AI key is set and
    // consent allows medical_vision (same gate as the header upload).
    const hasKey = TB.ai && TB.ai.hasKey && TB.ai.hasKey();
    const medOk = TB.ai && typeof TB.ai.isFeatureAllowed === 'function'
      ? TB.ai.isFeatureAllowed('medical_vision') !== false
      : true;
    if (hasKey && medOk && isEdit) {
      docsSection.appendChild(el('button', {
        class: 'tb-btn tb-btn--secondary', type: 'button',
        style: { marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)' },
        onclick: () => {
          // Save current draft state before opening import — otherwise
          // unsaved changes in the modal would be lost when we close to
          // open the import modal.
          upsertExam(draft);
          const root = document.getElementById('tb-modal-root');
          if (root) root.innerHTML = '';
          openVisionImportModal({ attachToExamId: draft.id });
        },
      }, '+ ' + t('ht.exams.docs.attachAnother')));
    } else if (isEdit && !hasKey) {
      docsSection.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
        t('ht.exams.docs.noKey')));
    }
    modal.appendChild(docsSection);

    // ─── Linked invoices ────────────────────────────────────────
    // Surfaces every invoice tied to this exam (inv.exam_id === draft.id).
    // For each invoice we show the high-value extracted fields:
    //   • Type badge + paid status
    //   • Amount with USD equivalent
    //   • Provider / facility / date
    //   • AI summary (services rendered)
    //   • AI notes (CPT codes, line-item list, medication names —
    //     this is where the colonoscopy pharmacy invoice's medication
    //     list lives)
    // Plus actions: open the invoice's own edit modal for fine-tuning,
    // and a "+ Add invoice" / "+ Import invoice (AI)" pair when in edit
    // mode so the user can attach more from inside the exam view.
    if (isEdit) {
      const invSection = el('details', {
        open: 'open',
        style: { marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)' },
      });
      const linkedInvoices = getInvoices().filter((i) => i.exam_id === draft.id);
      // Sum gross + reimbursed for the section header
      let invGross = 0, invReimb = 0;
      for (const inv of linkedInvoices) {
        if (typeof inv.amount_usd_calc === 'number' && isFinite(inv.amount_usd_calc)) invGross += inv.amount_usd_calc;
        if (inv.reimbursement_status === 'received' &&
            typeof inv.reimbursed_usd_calc === 'number' && isFinite(inv.reimbursed_usd_calc)) {
          invReimb += inv.reimbursed_usd_calc;
        }
      }
      const headerBits = [t('ht.exams.invoices.title') + ' (' + linkedInvoices.length + ')'];
      if (linkedInvoices.length > 0) {
        const grossStr = '$' + Math.round(invGross).toLocaleString();
        headerBits.push(grossStr);
        if (invReimb > 0) headerBits.push('− $' + Math.round(invReimb).toLocaleString() + ' ' + t('ht.episodes.reimbursed'));
      }
      invSection.appendChild(el('summary', { style: { fontWeight: '600', cursor: 'pointer' } },
        '🧾 ' + headerBits.join(' · ')));

      if (linkedInvoices.length === 0) {
        invSection.appendChild(el('p', { class: 'tb-field-help', style: { margin: 'var(--tb-sp-2) 0' } },
          t('ht.exams.invoices.empty')));
      } else {
        const invList = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '6px', marginTop: 'var(--tb-sp-2)' } });
        // Newest first for the in-exam view
        const sortedInvs = linkedInvoices.slice().sort((a, b) => (b.date || '').localeCompare(a.date || ''));
        for (const inv of sortedInvs) {
          invList.appendChild(buildLinkedInvoiceRow(inv, draft));
        }
        invSection.appendChild(invList);
      }

      // Action row: add manual + AI import. AI import gated by key+consent.
      const invActions = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)', flexWrap: 'wrap', marginTop: 'var(--tb-sp-2)' } });
      invActions.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { fontSize: 'var(--tb-fs-12)' },
        onclick: () => {
          // Persist any pending exam edits before navigating to the
          // invoice modal (consistent with the docs-section behavior).
          upsertExam(draft);
          const root = document.getElementById('tb-modal-root');
          if (root) root.innerHTML = '';
          openInvoiceEditModal(null, {
            exam_id: draft.id,
            episode_id: draft.episode_id || null,
          });
        },
      }, '+ ' + t('ht.exams.invoices.addManual')));
      if (hasKey && medOk) {
        invActions.appendChild(el('button', {
          class: 'tb-btn tb-btn--secondary', type: 'button',
          style: { fontSize: 'var(--tb-fs-12)' },
          onclick: () => {
            upsertExam(draft);
            const root = document.getElementById('tb-modal-root');
            if (root) root.innerHTML = '';
            openInvoiceVisionImportModal({
              prefillExamId: draft.id,
              prefillEpisodeId: draft.episode_id || null,
            });
          },
        }, '🧾 ' + t('ht.exams.invoices.import')));
      }
      invSection.appendChild(invActions);
      modal.appendChild(invSection);
    }

    // ─── Linked medications ─────────────────────────────────────
    // Pulls in medications attached to this exam directly (exam_id) AND
    // medications sourced from any invoice linked to this exam (the
    // pharmacy receipts that listed the prescribed drugs). This is what
    // makes the colonoscopy procedure show its prep meds even though
    // they were extracted from a pharmacy invoice, not the procedure
    // report itself.
    if (isEdit) {
      const medSection = el('details', {
        open: 'open',
        style: { marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)' },
      });
      const linkedInvoiceIds = getInvoices()
        .filter((i) => i.exam_id === draft.id)
        .map((i) => i.id);
      const linkedMeds = getMeds().filter((m) =>
        m.exam_id === draft.id ||
        (m.source_invoice_id && linkedInvoiceIds.indexOf(m.source_invoice_id) >= 0)
      );
      medSection.appendChild(el('summary', { style: { fontWeight: '600', cursor: 'pointer' } },
        '💊 ' + t('ht.exams.meds.title') + ' (' + linkedMeds.length + ')'));

      if (linkedMeds.length === 0) {
        medSection.appendChild(el('p', { class: 'tb-field-help', style: { margin: 'var(--tb-sp-2) 0' } },
          t('ht.exams.meds.empty')));
      } else {
        const medList = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '6px', marginTop: 'var(--tb-sp-2)' } });
        // Newest started first
        const sortedMeds = linkedMeds.slice().sort((a, b) => (b.started_date || '').localeCompare(a.started_date || ''));
        for (const m of sortedMeds) {
          medList.appendChild(buildLinkedMedRow(m, draft));
        }
        medSection.appendChild(medList);
      }

      const medActions = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)', flexWrap: 'wrap', marginTop: 'var(--tb-sp-2)' } });
      medActions.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { fontSize: 'var(--tb-fs-12)' },
        onclick: () => {
          upsertExam(draft);
          const root = document.getElementById('tb-modal-root');
          if (root) root.innerHTML = '';
          openMedEditModal(null, {
            // Pre-fill exam_id + episode_id so it lands attached.
            exam_id: draft.id,
            episode_id: draft.episode_id || null,
            started_date: draft.date || new Date().toISOString().slice(0, 10),
            prescriber: draft.provider || '',
          });
        },
      }, '+ ' + t('ht.exams.meds.addManual')));
      medSection.appendChild(medActions);
      modal.appendChild(medSection);
    }

    // Diagnoses + followup
    modal.appendChild(field(t('ht.exams.diagnoses'),
      textareaInput((draft.diagnoses || []).join('\n'), (v) => {
        draft.diagnoses = v.split('\n').map((x) => x.trim()).filter(Boolean);
      }), t('ht.exams.diagnoses.help')));
    modal.appendChild(field(t('ht.exams.followup'),
      textareaInput(draft.followup, (v) => { draft.followup = v; })));
    modal.appendChild(field(t('ht.exams.notes'),
      textareaInput(draft.notes, (v) => { draft.notes = v; })));

    // Buttons
    const btnRow = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', marginTop: 'var(--tb-sp-4)' },
    });
    if (isEdit) {
      btnRow.appendChild(el('button', {
        class: 'tb-btn tb-btn--danger', type: 'button',
        onclick: () => {
          if (!deleteExamWithUndo(draft.id)) return;
          close();
          rerender();
        },
      }, t('ht.delete')));
    } else {
      btnRow.appendChild(el('span'));
    }
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')));
    // Capture the episode_id at modal open so we can recompute the
    // OLD episode (when user reassigns the exam) AND the NEW episode
    // on save. Otherwise an exam moving from episode A to B would
    // leave A's derived metadata stale.
    const originalEpisodeId = existing ? (existing.episode_id || null) : null;

    right.appendChild(el('button', {
      class: 'tb-btn', type: 'button',
      onclick: () => {
        // Clean empty lab rows
        draft.lab_results = (draft.lab_results || []).filter((lr) => lr.name && lr.name.trim());
        upsertExam(draft);
        // Recompute affected episodes' derived fields. Old + new in
        // case the user moved the exam between episodes.
        if (originalEpisodeId && originalEpisodeId !== draft.episode_id) {
          recomputeEpisodeDerivedFields(originalEpisodeId);
        }
        if (draft.episode_id) {
          recomputeEpisodeDerivedFields(draft.episode_id);
        }
        close();
        rerender();
      },
    }, t('ht.save')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ====================================================================
  // Vision import modal — upload lab PDF/image, Claude extracts
  // ====================================================================

  // Vision import. Two entry points:
  //   • openVisionImportModal()                  — header button, free upload
  //   • openVisionImportModal({ attachToExamId }) — from inside an exam edit
  //     modal, skips the create-new option and merges directly.
  function openVisionImportModal(opts) {
    opts = opts || {};
    const attachToExamId = opts.attachToExamId || null;
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '640px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, '📎 ' + t('ht.import.title')));
    modal.appendChild(el('p', { class: 'tb-card-meta' },
      attachToExamId ? t('ht.import.intro.attach') : t('ht.import.intro')));

    // ─── Exam type selector (v0.54): Medical vs Dental.
    // Auto-detects from the chosen filename — if it looks dental (jp
    // 歯科, "dental", known dental clinic names), defaults to dental
    // and uses the dental-specific extraction prompt. User can toggle.
    // Hidden when attachToExamId is set (we're attaching to a known
    // existing exam, so type is fixed).
    const examType = { value: 'medical' };  // 'medical' | 'dental'
    if (!attachToExamId) {
      const typeRow = el('div', {
        style: {
          display: 'flex', gap: 'var(--tb-sp-2)', alignItems: 'center', flexWrap: 'wrap',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg-elev, rgba(0,0,0,0.03))',
          borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
          fontSize: 'var(--tb-fs-12)',
        },
      });
      typeRow.appendChild(el('span', { style: { fontWeight: '600', marginRight: 'var(--tb-sp-2)' } },
        t('ht.import.type.label')));
      const medBtn = el('button', {
        class: 'tb-btn tb-btn--secondary', type: 'button',
        style: { fontSize: '11px', padding: '4px 12px' },
      }, '🩺 ' + t('ht.import.type.medical'));
      const denBtn = el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { fontSize: '11px', padding: '4px 12px' },
      }, '🦷 ' + t('ht.import.type.dental'));
      function syncTypeBtns() {
        medBtn.className = 'tb-btn ' + (examType.value === 'medical' ? 'tb-btn--secondary' : 'tb-btn--ghost');
        denBtn.className = 'tb-btn ' + (examType.value === 'dental' ? 'tb-btn--secondary' : 'tb-btn--ghost');
      }
      medBtn.onclick = () => { examType.value = 'medical'; syncTypeBtns(); };
      denBtn.onclick = () => { examType.value = 'dental'; syncTypeBtns(); };
      typeRow.appendChild(medBtn);
      typeRow.appendChild(denBtn);
      typeRow.appendChild(el('span', {
        class: 'tb-card-meta',
        style: { fontSize: '10px', marginLeft: 'var(--tb-sp-2)' },
      }, t('ht.import.type.help')));
      modal.appendChild(typeRow);
    }

    const status = el('div', { style: { marginTop: 'var(--tb-sp-2)', minHeight: '1.4em', fontSize: 'var(--tb-fs-12)' } });

    // Filename-based dental hint — auto-flip the toggle when a clearly
    // dental file is chosen. Patterns cover EN ("dental", "perio",
    // "tooth"), JP (歯科, 歯医者), and the user's known clinic names.
    function looksLikeDentalFilename(name) {
      const n = String(name || '').toLowerCase();
      // Generic dental keywords only — no clinic-specific shortcuts
      // (those biased file-name detection toward the author's local
      // clinic and aren't useful for the general user).
      return /dental|perio|tooth|歯科|歯医者/i.test(n);
    }

    const fileInput = el('input', {
      type: 'file',
      accept: 'image/png,image/jpeg,image/jpg,image/webp,image/gif,application/pdf',
      style: { display: 'none' },
      onchange: (e) => {
        const f = e.target.files && e.target.files[0];
        if (f) handleUpload(f);
        e.target.value = '';
      },
    });

    const dropZone = el('div', {
      style: {
        border: '1px dashed var(--tb-border)', borderRadius: 'var(--tb-radius-2)',
        padding: 'var(--tb-sp-4)', textAlign: 'center', background: 'var(--tb-bg)',
        marginBottom: 'var(--tb-sp-2)',
      },
    },
      el('div', { style: { fontWeight: '600', marginBottom: 'var(--tb-sp-2)' } }, t('ht.import.dropTitle')),
      el('div', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-2)' } }, t('ht.import.dropHelp')),
      el('button', {
        class: 'tb-btn', type: 'button',
        onclick: () => fileInput.click(),
      }, '📎 ' + t('ht.import.choose')),
      fileInput,
    );
    if (TB.utils && typeof TB.utils.attachFileDrop === 'function') {
      TB.utils.attachFileDrop(dropZone, {
        accept: ['image/png','image/jpeg','image/jpg','image/webp','image/gif','application/pdf','.pdf'],
        text: '⤓ ' + t('ht.import.dropOver'),
        onFile: (f) => handleUpload(f),
        onError: (msg) => { status.textContent = '✗ ' + msg; status.style.color = 'var(--tb-error)'; },
      });
    }
    modal.appendChild(dropZone);
    modal.appendChild(status);

    async function handleUpload(file) {
      // Filename hint can auto-flip toggle to dental on first file pick
      if (!attachToExamId && examType.value === 'medical' && looksLikeDentalFilename(file.name)) {
        examType.value = 'dental';
      }
      // ─── Dental short-circuit: use the dental-specific extraction
      // + applyDentalExtraction to populate the dental tab directly.
      // No routing screen — dental flows are self-contained.
      if (!attachToExamId && examType.value === 'dental') {
        status.textContent = '⏳ ' + t('ht.dental.import.processing', { name: file.name });
        status.style.color = 'var(--tb-text-soft)';
        try {
          const result = await TB.ai.callClaudeVisionForDentalExtraction(file, {});
          const ext = result.extracted || {};
          const cost = (result.cost_usd || 0).toFixed(4);
          if (ext.is_dental === false) {
            status.textContent = '⚠ ' + t('ht.dental.import.notDental');
            status.style.color = 'var(--tb-warn)';
            return;
          }
          const summary = applyDentalExtraction(ext, file.name, Number(result.cost_usd) || 0);
          status.textContent = '✓ ' + t('ht.dental.import.done', {
            cost, teeth: summary.teethUpdated, procs: summary.proceduresAdded,
          });
          status.style.color = 'var(--tb-success)';
          setTimeout(() => { close(); rerender(); }, 1500);
          return;
        } catch (err) {
          status.textContent = '✗ ' + (err.message || err);
          status.style.color = 'var(--tb-error)';
          return;
        }
      }

      status.textContent = '⏳ ' + t('ht.import.processing', { name: file.name });
      status.style.color = 'var(--tb-text-soft)';
      try {
        const result = await TB.ai.callClaudeVisionForMedicalExtraction(file, {});
        const ext = result.extracted || {};
        const cost = (result.cost_usd || 0).toFixed(4);

        // Backfill flags from value vs range when the model didn't set one
        for (const lr of (Array.isArray(ext.lab_results) ? ext.lab_results : [])) {
          if (!lr.flag && lr.value != null) {
            if (lr.range_high != null && lr.value > lr.range_high) lr.flag = 'high';
            else if (lr.range_low != null && lr.value < lr.range_low) lr.flag = 'low';
            else lr.flag = 'normal';
          }
        }

        const docMeta = {
          filename: file.name,
          filesize_kb: Math.round(file.size / 1024),
          cost_usd: Number(result.cost_usd) || 0,
          kind: inferDocumentKind(ext, file.name),
        };

        // Identify any extracted lab tests we don't have descriptions
        // for and ask Claude to generate them. Runs in the background
        // — non-blocking; the ⓘ popovers populate when state updates.
        // Only runs when the user has `ask_taigan` consent.
        try { await maybeGenerateLabDescriptions(ext, status); } catch (_) {}

        // If called with attachToExamId, skip review screen and merge
        // directly — the user already chose an exam.
        if (attachToExamId) {
          mergeExtractionIntoExam(attachToExamId, ext, docMeta);
          close();
          // Re-open the exam edit modal so the user sees the new doc
          const refreshed = getExams().find((e) => e.id === attachToExamId);
          if (refreshed) openExamEditModal(refreshed);
          else rerender();
          return;
        }

        // Otherwise, auto-detect candidate exams + show the review/route
        // screen.
        const candidates = findCandidateExamsForExtraction(ext);
        status.textContent = '✓ ' + t('ht.import.done', { cost });
        status.style.color = 'var(--tb-success)';
        // Replace upload UI with review/route choice
        modal.innerHTML = '';
        renderRouteChoice(modal, ext, docMeta, candidates, close);
      } catch (err) {
        status.textContent = '✗ ' + (err.message || err);
        status.style.color = 'var(--tb-error)';
      }
    }

    modal.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'flex-end', marginTop: 'var(--tb-sp-3)' },
    },
      el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')),
    ));

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // After extraction, show the user "merge into existing exam X" vs
  // "create new exam". Auto-detect candidates are listed at top with
  // match-score badges; "Create new" sits at the bottom as the default
  // fallback when no candidates score high enough.
  function renderRouteChoice(modal, ext, docMeta, candidates, close) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, '🔍 ' + t('ht.route.title')));
    modal.appendChild(el('p', { class: 'tb-card-meta' }, t('ht.route.intro')));

    // Extracted preview card
    const previewCard = el('div', {
      style: {
        padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
        borderLeft: '3px solid var(--tb-track-health)',
        borderRadius: 'var(--tb-radius-2)', marginBottom: 'var(--tb-sp-3)',
      },
    });
    previewCard.appendChild(el('div', { style: { fontSize: '11px', fontWeight: '600', textTransform: 'uppercase', letterSpacing: '0.04em', color: 'var(--tb-text-soft)', marginBottom: '4px' } },
      t('ht.route.preview.title')));
    const parts = [];
    if (ext.exam_type) parts.push(examTypeLabel(ext.exam_type));
    if (ext.date) parts.push(ext.date);
    if (ext.provider) parts.push(ext.provider);
    if (ext.facility) parts.push(ext.facility);
    previewCard.appendChild(el('div', { style: { fontWeight: '600' } }, parts.join(' · ')));
    const stats = [];
    const labCount = Array.isArray(ext.lab_results) ? ext.lab_results.length : 0;
    if (labCount) stats.push(t('ht.route.preview.labs', { n: labCount }));
    const vitalCount = ext.vitals ? Object.keys(ext.vitals).filter(k => ext.vitals[k] != null).length : 0;
    if (vitalCount) stats.push(t('ht.route.preview.vitals', { n: vitalCount }));
    const diagCount = (ext.diagnoses || []).length;
    if (diagCount) stats.push(t('ht.route.preview.diagnoses', { n: diagCount }));
    if (stats.length) {
      previewCard.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: '4px' } }, stats.join(' · ')));
    }
    previewCard.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-1)' } },
      docMeta.filename + ' · ' + (docMeta.filesize_kb || 0) + ' KB · ' +
      t('ht.route.preview.kind') + ': ' + documentKindLabel(docMeta.kind)));
    modal.appendChild(previewCard);

    // ─── Potential duplicate lab names panel ────────────────────
    // Show a warning when extracted names are suspiciously similar to
    // names already in the user's history but don't auto-canonicalize.
    // User can "Rename to match" (mutates the in-memory ext payload
    // before save) or dismiss. Catches gaps in LAB_CANONICAL that the
    // pattern table doesn't yet handle.
    const dupPairs = findPotentialDuplicateLabNames(ext);
    if (dupPairs.length > 0) {
      const dupPanel = el('div', {
        style: {
          padding: 'var(--tb-sp-3)', background: 'rgba(200, 100, 30, 0.06)',
          borderLeft: '3px solid var(--tb-warn)',
          borderRadius: 'var(--tb-radius-2)',
          marginBottom: 'var(--tb-sp-3)',
        },
      });
      dupPanel.appendChild(el('div', {
        style: { fontWeight: '600', marginBottom: '4px' },
      }, '⚠ ' + t('ht.labs.dup.title', { n: dupPairs.length })));
      dupPanel.appendChild(el('div', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-2)' } },
        t('ht.labs.dup.intro')));
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '6px' } });
      for (const pair of dupPairs) {
        const row = el('div', {
          style: {
            display: 'flex', justifyContent: 'space-between', alignItems: 'center',
            gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
            background: 'var(--tb-bg)', padding: '6px 10px', borderRadius: 'var(--tb-radius-1)',
            fontSize: 'var(--tb-fs-12)',
          },
        });
        row.appendChild(el('div', null,
          el('div', null,
            el('span', { style: { fontFamily: 'var(--tb-font-mono)' } }, '“' + pair.extracted_name + '”'),
            el('span', { style: { margin: '0 6px', color: 'var(--tb-text-soft)' } }, '≈'),
            el('span', { style: { fontFamily: 'var(--tb-font-mono)', color: 'var(--tb-text-soft)' } }, '“' + pair.existing_name + '”'),
          ),
          el('div', { class: 'tb-card-meta', style: { fontSize: '10px', marginTop: '2px' } },
            t('ht.labs.dup.reason.' + pair.reason)),
        ));
        const actions = el('div', { style: { display: 'flex', gap: '4px' } });
        actions.appendChild(el('button', {
          class: 'tb-btn tb-btn--secondary', type: 'button',
          style: { fontSize: '11px', padding: '2px 8px' },
          onclick: (e) => {
            // Rename the matching lab_results entries in the
            // extraction payload so the merge/create writes the same
            // stored name as the existing test — they'll collapse on
            // display without needing a new canonical pattern.
            if (Array.isArray(ext.lab_results)) {
              for (const lr of ext.lab_results) {
                if (lr && lr.name === pair.extracted_name) lr.name = pair.existing_name;
              }
            }
            // Update the row visually: collapse it and disable
            // further actions so the user sees what they picked.
            row.style.opacity = '0.5';
            row.style.pointerEvents = 'none';
            actions.innerHTML = '';
            actions.appendChild(el('span', {
              style: { fontSize: '11px', color: 'var(--tb-success)', fontWeight: '600' },
            }, '✓ ' + t('ht.labs.dup.action.renamed')));
          },
        }, '↻ ' + t('ht.labs.dup.action.rename')));
        actions.appendChild(el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { fontSize: '11px', padding: '2px 8px' },
          onclick: () => {
            row.remove();
          },
        }, '× ' + t('ht.labs.dup.action.different')));
        row.appendChild(actions);
        list.appendChild(row);
      }
      dupPanel.appendChild(list);
      modal.appendChild(dupPanel);
    }

    // Candidate exams (when any meet the threshold)
    if (candidates.length > 0) {
      modal.appendChild(el('div', {
        style: { fontSize: '11px', fontWeight: '600', textTransform: 'uppercase', letterSpacing: '0.04em', color: 'var(--tb-text-soft)', marginBottom: 'var(--tb-sp-2)' },
      }, t('ht.route.candidates.title')));
      for (const c of candidates.slice(0, 3)) {
        modal.appendChild(buildCandidateRow(c, ext, docMeta, close));
      }
      modal.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          border: '1px dashed var(--tb-border)',
          borderRadius: 'var(--tb-radius-2)', marginTop: 'var(--tb-sp-2)',
          display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
        },
      },
        el('div', null,
          el('div', { style: { fontWeight: '600' } }, t('ht.route.createNew.title')),
          el('div', { class: 'tb-card-meta', style: { marginTop: '2px' } }, t('ht.route.createNew.body')),
        ),
        el('button', {
          class: 'tb-btn tb-btn--secondary',
          type: 'button',
          onclick: () => {
            const exam = createExamFromExtraction(ext, docMeta);
            close();
            openExamEditModal(exam);
          },
        }, '+ ' + t('ht.route.createNew.button')),
      ));
    } else {
      // No candidates above threshold — straight create.
      modal.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderLeft: '3px solid var(--tb-success)',
          borderRadius: 'var(--tb-radius-2)', marginBottom: 'var(--tb-sp-3)',
        },
      },
        el('div', { style: { fontWeight: '600' } }, '✓ ' + t('ht.route.noCandidates.title')),
        el('div', { class: 'tb-card-meta', style: { marginTop: '4px' } }, t('ht.route.noCandidates.body')),
      ));
      modal.appendChild(el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)' } },
        el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')),
        el('button', {
          class: 'tb-btn', type: 'button',
          onclick: () => {
            const exam = createExamFromExtraction(ext, docMeta);
            close();
            openExamEditModal(exam);
          },
        }, '+ ' + t('ht.route.createNew.button')),
      ));
    }

    // Cancel button (always available)
    if (candidates.length > 0) {
      modal.appendChild(el('div', { style: { display: 'flex', justifyContent: 'flex-end', marginTop: 'var(--tb-sp-3)' } },
        el('button', { class: 'tb-btn tb-btn--ghost', type: 'button', onclick: close }, t('ht.cancel')),
      ));
    }
  }

  function buildCandidateRow(candidate, ext, docMeta, close) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const c = candidate.exam;
    const score = candidate.score;
    const matchLevel = score >= 80 ? 'strong' : score >= 60 ? 'likely' : 'possible';
    const matchColor = matchLevel === 'strong' ? 'var(--tb-success)'
                     : matchLevel === 'likely' ? 'var(--tb-track-health)'
                     : 'var(--tb-warn)';
    const row = el('div', {
      style: {
        padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
        borderLeft: '3px solid ' + matchColor,
        borderRadius: 'var(--tb-radius-2)', marginBottom: 'var(--tb-sp-2)',
        display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
      },
    });
    const docCount = (c.documents || []).length;
    row.appendChild(el('div', null,
      el('div', null,
        el('span', { style: { fontWeight: '600' } },
          examTypeLabel(c.type) + ' · ' + (c.date || '?')),
        el('span', {
          style: { marginLeft: 'var(--tb-sp-2)', fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
            background: matchColor + '22', color: matchColor, fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
        }, t('ht.route.match.' + matchLevel) + ' · ' + score),
      ),
      el('div', { class: 'tb-card-meta', style: { marginTop: '2px' } },
        (c.provider || '') +
        (c.facility ? ' · ' + c.facility : '') +
        ((c.lab_results || []).length > 0 ? ' · ' + (c.lab_results.length) + ' lab(s)' : '') +
        (docCount > 0 ? ' · ' + docCount + ' doc' + (docCount === 1 ? '' : 's') : '')),
    ));
    row.appendChild(el('button', {
      class: 'tb-btn',
      type: 'button',
      style: { fontSize: 'var(--tb-fs-12)' },
      onclick: () => {
        mergeExtractionIntoExam(c.id, ext, docMeta);
        close();
        const refreshed = getExams().find((e) => e.id === c.id);
        if (refreshed) openExamEditModal(refreshed);
        else rerender();
      },
    }, '🔗 ' + t('ht.route.attach.button')));
    return row;
  }

  // ====================================================================
  // Invoice vision import — separate flow from exam import
  // ====================================================================
  //
  // openInvoiceVisionImportModal()
  //   Free upload from header. After extraction, score candidate exams
  //   and episodes; show a "route" screen offering:
  //     • Attach to exam X (auto-fills episode_id from that exam)
  //     • Attach to episode Y directly (no specific exam)
  //     • Standalone — create invoice with no link
  //   The user can also pop the standard invoice edit modal pre-filled
  //   with the extracted data to fine-tune before save.

  function openInvoiceVisionImportModal(opts) {
    opts = opts || {};
    // When called from inside an exam edit modal, prefillExamId tells
    // us "skip the route screen — the user already chose where this
    // invoice belongs." Same shortcut pattern as the exam vision
    // import's attachToExamId.
    const prefillExamId = opts.prefillExamId || null;
    const prefillEpisodeId = opts.prefillEpisodeId || null;
    // prefillType: 'dental' forces the invoice type after extraction,
    // so candidate filtering routes to dental-only exams/episodes and
    // the dental costs section picks it up.
    const prefillType = opts.prefillType || null;
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '640px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, '🧾 ' + t('ht.invoiceImport.title')));
    modal.appendChild(el('p', { class: 'tb-card-meta' },
      prefillExamId ? t('ht.invoiceImport.intro.attach') : t('ht.invoiceImport.intro')));

    const status = el('div', { style: { marginTop: 'var(--tb-sp-2)', minHeight: '1.4em', fontSize: 'var(--tb-fs-12)' } });

    const fileInput = el('input', {
      type: 'file',
      accept: 'image/png,image/jpeg,image/jpg,image/webp,image/gif,application/pdf',
      style: { display: 'none' },
      onchange: (e) => {
        const f = e.target.files && e.target.files[0];
        if (f) handleUpload(f);
        e.target.value = '';
      },
    });

    const dropZone = el('div', {
      style: {
        border: '1px dashed var(--tb-border)', borderRadius: 'var(--tb-radius-2)',
        padding: 'var(--tb-sp-4)', textAlign: 'center', background: 'var(--tb-bg)',
        marginBottom: 'var(--tb-sp-2)',
      },
    },
      el('div', { style: { fontWeight: '600', marginBottom: 'var(--tb-sp-2)' } }, t('ht.invoiceImport.dropTitle')),
      el('div', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-2)' } }, t('ht.invoiceImport.dropHelp')),
      el('button', {
        class: 'tb-btn', type: 'button',
        onclick: () => fileInput.click(),
      }, '📎 ' + t('ht.import.choose')),
      fileInput,
    );
    if (TB.utils && typeof TB.utils.attachFileDrop === 'function') {
      TB.utils.attachFileDrop(dropZone, {
        accept: ['image/png','image/jpeg','image/jpg','image/webp','image/gif','application/pdf','.pdf'],
        text: '⤓ ' + t('ht.import.dropOver'),
        onFile: (f) => handleUpload(f),
        onError: (msg) => { status.textContent = '✗ ' + msg; status.style.color = 'var(--tb-error)'; },
      });
    }
    modal.appendChild(dropZone);

    // Chain-AI toggle: after the invoice's extracted provider info is
    // synced into the dental provider list, automatically fire the
    // provider-enrichment AI call to fill in missing language name /
    // website / hours / etc. Defaults ON; user can opt out per upload.
    // Hidden for the exam-attach shortcut (no separate provider sync).
    const chainOpts = { autoEnrichProvider: true };
    if (!prefillExamId) {
      const chk = el('input', {
        type: 'checkbox', checked: true,
        style: { marginRight: '6px' },
        onchange: (e) => { chainOpts.autoEnrichProvider = !!e.target.checked; },
      });
      modal.appendChild(el('label', {
        style: {
          display: 'flex', alignItems: 'center', gap: '4px',
          fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)',
          marginBottom: 'var(--tb-sp-2)', cursor: 'pointer',
        },
      }, chk, el('span', null, '✨ ' + t('ht.invoiceImport.chainEnrich.label'))));
    }
    modal.appendChild(status);

    async function handleUpload(file) {
      status.textContent = '⏳ ' + t('ht.invoiceImport.processing', { name: file.name });
      status.style.color = 'var(--tb-text-soft)';
      try {
        const result = await TB.ai.callClaudeVisionForInvoiceExtraction(file, {});
        const ext = result.extracted || {};
        const cost = (result.cost_usd || 0).toFixed(4);

        // Build a draft invoice from the extraction. This is the
        // record we'll either save standalone or attach to an exam /
        // episode based on the user's choice.
        const draft = createInvoiceFromExtraction(ext, {
          ai_cost_usd: Number(result.cost_usd) || 0,
          filename: file.name,
          exam_id: prefillExamId,
          episode_id: prefillEpisodeId,
        });
        // Force the type when the caller specified one (dental costs
        // upload button passes prefillType='dental'). Also useful as
        // a filename-based hint when the AI guessed wrong.
        if (prefillType) draft.type = prefillType;
        else if (/dental|歯科|歯医者/i.test(file.name)) {
          draft.type = 'dental';
        }

        // Shortcut: when invoked from inside an exam, save directly and
        // re-open the exam modal so the user sees the new invoice in
        // the "Linked invoices" section. No route screen needed.
        if (prefillExamId) {
          saveImportedInvoiceWithMedications(draft, chainOpts);
          canonicalizeNamesAcrossExams();
          if (draft.episode_id) recomputeEpisodeDerivedFields(draft.episode_id);
          close();
          const refreshed = getExams().find((e) => e.id === prefillExamId);
          if (refreshed) openExamEditModal(refreshed);
          else rerender();
          return;
        }

        // Score candidates against the draft (which has invoice-shaped
        // fields like date / provider / facility).
        const examCands = findCandidateExamsForInvoice(draft);
        const episodeCands = findCandidateEpisodesForInvoice(draft);

        status.textContent = '✓ ' + t('ht.invoiceImport.done', { cost });
        status.style.color = 'var(--tb-success)';

        modal.innerHTML = '';
        renderInvoiceRouteChoice(modal, ext, draft, examCands, episodeCands, close, chainOpts);
      } catch (err) {
        status.textContent = '✗ ' + (err.message || err);
        status.style.color = 'var(--tb-error)';
      }
    }

    modal.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'flex-end', marginTop: 'var(--tb-sp-3)' },
    },
      el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('ht.cancel')),
    ));

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // Post-extraction "where does this invoice belong?" screen.
  //   • Top: extracted preview (amount + currency + provider + date)
  //   • Candidate EXAMS section (scored, top 3)
  //   • Candidate EPISODES section (scored, top 3 — but only show
  //     episodes that aren't already covered by a candidate exam)
  //   • "Save as standalone" fallback row
  //   • "Edit before saving" — opens the standard invoice edit modal
  //     with the draft pre-filled, letting the user fine-tune any field
  function renderInvoiceRouteChoice(modal, ext, draft, examCands, episodeCands, close, chainOpts) {
    chainOpts = chainOpts || { autoEnrichProvider: true };
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, '🔍 ' + t('ht.invoiceImport.route.title')));
    modal.appendChild(el('p', { class: 'tb-card-meta' }, t('ht.invoiceImport.route.intro')));

    // Preview card
    const previewCard = el('div', {
      style: {
        padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
        borderLeft: '3px solid var(--tb-track-health)',
        borderRadius: 'var(--tb-radius-2)', marginBottom: 'var(--tb-sp-3)',
      },
    });
    previewCard.appendChild(el('div', { style: { fontSize: '11px', fontWeight: '600', textTransform: 'uppercase', letterSpacing: '0.04em', color: 'var(--tb-text-soft)', marginBottom: '4px' } },
      t('ht.invoiceImport.route.preview.title')));
    const headParts = [];
    const amtStr = (draft.amount_native != null)
      ? formatInvoiceAmountLine(draft.amount_native, draft.currency, draft.amount_usd_calc)
      : '—';
    headParts.push(amtStr);
    if (draft.date) headParts.push(draft.date);
    if (draft.provider) headParts.push(draft.provider);
    previewCard.appendChild(el('div', { style: { fontWeight: '600' } }, headParts.join(' · ')));
    const subParts = [];
    if (draft.type) subParts.push(t('ht.invoices.type.' + draft.type));
    if (draft.facility) subParts.push(draft.facility);
    if (draft.paid === true) subParts.push('✓ ' + t('ht.invoices.field.paid'));
    if (subParts.length) {
      previewCard.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: '4px' } }, subParts.join(' · ')));
    }
    if (ext.summary) {
      previewCard.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-1)', fontStyle: 'italic' } }, ext.summary));
    }
    if (draft.filename) {
      previewCard.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-1)' } }, draft.filename));
    }
    modal.appendChild(previewCard);

    const noCandidates = examCands.length === 0 && episodeCands.length === 0;

    // Track exams already shown so we don't double-suggest the same
    // episode via its child exam.
    const examEpisodeIds = new Set();
    examCands.slice(0, 3).forEach((c) => { if (c.exam.episode_id) examEpisodeIds.add(c.exam.episode_id); });

    if (examCands.length > 0) {
      modal.appendChild(el('div', {
        style: { fontSize: '11px', fontWeight: '600', textTransform: 'uppercase', letterSpacing: '0.04em', color: 'var(--tb-text-soft)', marginBottom: 'var(--tb-sp-2)' },
      }, t('ht.invoiceImport.route.candidates.exams')));
      for (const c of examCands.slice(0, 3)) {
        modal.appendChild(buildInvoiceExamCandidateRow(c, draft, close, chainOpts));
      }
    }

    const filteredEpisodeCands = episodeCands.filter((c) => !examEpisodeIds.has(c.episode.id));
    if (filteredEpisodeCands.length > 0) {
      modal.appendChild(el('div', {
        style: { fontSize: '11px', fontWeight: '600', textTransform: 'uppercase', letterSpacing: '0.04em', color: 'var(--tb-text-soft)', margin: 'var(--tb-sp-3) 0 var(--tb-sp-2)' },
      }, t('ht.invoiceImport.route.candidates.episodes')));
      for (const c of filteredEpisodeCands.slice(0, 3)) {
        modal.appendChild(buildInvoiceEpisodeCandidateRow(c, draft, close, chainOpts));
      }
    }

    if (noCandidates) {
      modal.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderLeft: '3px solid var(--tb-warn)',
          borderRadius: 'var(--tb-radius-2)', marginBottom: 'var(--tb-sp-3)',
        },
      },
        el('div', { style: { fontWeight: '600' } }, '⚠ ' + t('ht.invoiceImport.route.noCandidates.title')),
        el('div', { class: 'tb-card-meta', style: { marginTop: '4px' } }, t('ht.invoiceImport.route.noCandidates.body')),
      ));
    }

    // Standalone (always offered) — save invoice with no link
    modal.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
        border: '1px dashed var(--tb-border)',
        borderRadius: 'var(--tb-radius-2)', marginTop: 'var(--tb-sp-2)',
        display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
      },
    },
      el('div', null,
        el('div', { style: { fontWeight: '600' } }, t('ht.invoiceImport.route.standalone.title')),
        el('div', { class: 'tb-card-meta', style: { marginTop: '2px' } }, t('ht.invoiceImport.route.standalone.body')),
      ),
      el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } },
        el('button', {
          class: 'tb-btn tb-btn--secondary', type: 'button',
          onclick: () => {
            close();
            // Open the edit modal pre-filled so the user can fine-tune.
            openInvoiceEditModal(draft);
          },
        }, '✎ ' + t('ht.invoiceImport.route.edit')),
        el('button', {
          class: 'tb-btn', type: 'button',
          onclick: () => {
            saveImportedInvoiceWithMedications(draft, chainOpts);
            canonicalizeNamesAcrossExams();
            close();
            rerender();
          },
        }, '+ ' + t('ht.invoiceImport.route.save')),
      ),
    ));

    modal.appendChild(el('div', { style: { display: 'flex', justifyContent: 'flex-end', marginTop: 'var(--tb-sp-3)' } },
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button', onclick: close }, t('ht.cancel')),
    ));
  }

  // Pretty-format the invoice amount line for the preview card.
  // JPY → ¥1,234 (no decimals); USD → $1,234.56; other → e.g. €123.45.
  function formatInvoiceAmountLine(amount, currency, usdCalc) {
    const SYMBOL = { USD: '$', JPY: '¥', EUR: '€', GBP: '£', CAD: 'CA$', AUD: 'A$', CHF: 'Fr.' };
    const sym = SYMBOL[currency] || '';
    let body;
    if (currency === 'JPY') {
      body = sym + Math.round(amount).toLocaleString();
    } else {
      body = sym + Number(amount).toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 });
    }
    if (currency !== 'USD' && usdCalc != null && isFinite(usdCalc)) {
      body += ' (≈ $' + Math.round(usdCalc).toLocaleString() + ')';
    }
    return body;
  }

  function buildInvoiceExamCandidateRow(candidate, draft, close, chainOpts) {
    chainOpts = chainOpts || { autoEnrichProvider: true };
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const c = candidate.exam;
    const score = candidate.score;
    const matchLevel = score >= 70 ? 'strong' : score >= 50 ? 'likely' : 'possible';
    const matchColor = matchLevel === 'strong' ? 'var(--tb-success)'
                     : matchLevel === 'likely' ? 'var(--tb-track-health)'
                     : 'var(--tb-warn)';
    const row = el('div', {
      style: {
        padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
        borderLeft: '3px solid ' + matchColor,
        borderRadius: 'var(--tb-radius-2)', marginBottom: 'var(--tb-sp-2)',
        display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
      },
    });
    // Header: exam type, date, match pill
    const label = el('div', null,
      el('div', null,
        el('span', { style: { fontWeight: '600' } },
          examTypeLabel(c.type) + ' · ' + (c.date || '?')),
        el('span', {
          style: { marginLeft: 'var(--tb-sp-2)', fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
            background: matchColor + '22', color: matchColor, fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
        }, t('ht.route.match.' + matchLevel) + ' · ' + score),
      ),
    );
    const subBits = [];
    if (c.provider) subBits.push(c.provider);
    if (c.facility) subBits.push(c.facility);
    if (c.episode_id) {
      const ep = getEpisodes().find((e) => e.id === c.episode_id);
      if (ep) subBits.push('🧭 ' + (ep.title || t('ht.episodes.untitled')));
    }
    if (subBits.length) {
      label.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: '2px' } }, subBits.join(' · ')));
    }
    row.appendChild(label);

    row.appendChild(el('button', {
      class: 'tb-btn', type: 'button', style: { fontSize: 'var(--tb-fs-12)' },
      onclick: () => {
        draft.exam_id = c.id;
        if (c.episode_id) draft.episode_id = c.episode_id;
        saveImportedInvoiceWithMedications(draft, chainOpts);
        canonicalizeNamesAcrossExams();
        if (draft.episode_id) recomputeEpisodeDerivedFields(draft.episode_id);
        close();
        rerender();
      },
    }, '🔗 ' + t('ht.invoiceImport.route.attachExam')));
    return row;
  }

  function buildInvoiceEpisodeCandidateRow(candidate, draft, close, chainOpts) {
    chainOpts = chainOpts || { autoEnrichProvider: true };
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const ep = candidate.episode;
    const score = candidate.score;
    const matchLevel = score >= 70 ? 'strong' : score >= 50 ? 'likely' : 'possible';
    const matchColor = matchLevel === 'strong' ? 'var(--tb-success)'
                     : matchLevel === 'likely' ? 'var(--tb-track-health)'
                     : 'var(--tb-warn)';
    const row = el('div', {
      style: {
        padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
        borderLeft: '3px solid ' + matchColor,
        borderRadius: 'var(--tb-radius-2)', marginBottom: 'var(--tb-sp-2)',
        display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
      },
    });
    const label = el('div', null,
      el('div', null,
        el('span', { style: { fontWeight: '600' } }, '🧭 ' + (ep.title || t('ht.episodes.untitled'))),
        el('span', {
          style: { marginLeft: 'var(--tb-sp-2)', fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
            background: matchColor + '22', color: matchColor, fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
        }, t('ht.route.match.' + matchLevel) + ' · ' + score),
      ),
    );
    const subBits = [];
    if (ep.started_date) {
      subBits.push(ep.started_date + (ep.completed_date ? ' → ' + ep.completed_date : ' → …'));
    }
    if (ep.provider) subBits.push(ep.provider);
    if (ep.facility) subBits.push(ep.facility);
    if (subBits.length) {
      label.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: '2px' } }, subBits.join(' · ')));
    }
    row.appendChild(label);

    row.appendChild(el('button', {
      class: 'tb-btn', type: 'button', style: { fontSize: 'var(--tb-fs-12)' },
      onclick: () => {
        draft.episode_id = ep.id;
        saveImportedInvoiceWithMedications(draft, chainOpts);
        canonicalizeNamesAcrossExams();
        recomputeEpisodeDerivedFields(ep.id);
        close();
        rerender();
      },
    }, '🔗 ' + t('ht.invoiceImport.route.attachEpisode')));
    return row;
  }

  // Row used inside the exam edit modal's "Linked invoices" section.
  // Surfaces the AI-extracted detail that matters for tying spending
  // back to the exam — including the line-item / medication list that
  // lives in `inv.notes` (the invoice extraction prompt captures CPT
  // codes, line items, and medication names there).
  function buildLinkedInvoiceRow(inv, parentExamDraft) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const row = el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg-elev)',
        borderLeft: '3px solid var(--tb-track-health)',
        borderRadius: 'var(--tb-radius-1)',
        display: 'flex', justifyContent: 'space-between', alignItems: 'flex-start',
        gap: 'var(--tb-sp-3)',
        cursor: 'pointer',
      },
      onclick: () => {
        // Persist parent exam state before navigating, so unsaved edits
        // aren't lost while the user fine-tunes the invoice.
        upsertExam(parentExamDraft);
        const root = document.getElementById('tb-modal-root');
        if (root) root.innerHTML = '';
        openInvoiceEditModal(inv);
      },
    });

    const body = el('div', { style: { flex: '1', minWidth: '0' } });

    // Header row: type badge + amount + paid status
    const headerRow = el('div', {
      style: { display: 'flex', alignItems: 'center', gap: '8px', flexWrap: 'wrap' },
    });
    headerRow.appendChild(el('span', {
      style: { fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
        background: 'rgba(46, 107, 92, 0.12)', color: 'var(--tb-track-ai)',
        fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
    }, t('ht.invoices.type.' + (inv.type || 'other'))));
    headerRow.appendChild(el('span', {
      style: { fontWeight: '600', fontFamily: 'var(--tb-font-mono)' },
    }, inv.amount_native != null
      ? formatInvoiceAmountLine(inv.amount_native, inv.currency || 'USD', inv.amount_usd_calc)
      : '—'));
    if (inv.paid === true) {
      headerRow.appendChild(el('span', {
        style: { fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(34, 139, 34, 0.14)', color: 'var(--tb-success)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, '✓ ' + t('ht.invoices.field.paid')));
    } else if (inv.paid === false) {
      headerRow.appendChild(el('span', {
        style: { fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(200, 100, 30, 0.14)', color: 'var(--tb-warn)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, t('ht.exams.invoices.unpaid')));
    }
    if (inv.reimbursement_status === 'received') {
      headerRow.appendChild(el('span', {
        style: { fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(46, 107, 92, 0.14)', color: 'var(--tb-track-health)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, '↩ ' + t('ht.episodes.reimbursed')));
    } else if (inv.reimbursement_status === 'pending' || inv.reimbursement_status === 'submitted') {
      headerRow.appendChild(el('span', {
        style: { fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(200, 100, 30, 0.12)', color: 'var(--tb-warn)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, t('ht.invoices.reim.' + inv.reimbursement_status)));
    }
    body.appendChild(headerRow);

    // Provider/facility/date meta line
    const metaBits = [];
    if (inv.date) metaBits.push(inv.date);
    if (inv.provider) metaBits.push(inv.provider);
    if (inv.facility && inv.facility !== inv.provider) metaBits.push(inv.facility);
    if (metaBits.length) {
      body.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: '4px' } }, metaBits.join(' · ')));
    }

    // Materialized medication count — when meds have been auto-created
    // from this invoice, surface a small reference link instead of
    // re-rendering the same drug names in the notes panel below.
    const materializedMeds = getMeds().filter((m) => m.source_invoice_id === inv.id);
    if (materializedMeds.length > 0) {
      body.appendChild(el('div', {
        style: { marginTop: 'var(--tb-sp-1)', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-track-ai)' },
      }, '💊 ' + t('ht.exams.invoices.medsMaterialized', { n: materializedMeds.length })));
    }

    // AI summary — what was billed for
    if (inv.notes) {
      // Heuristically pull out medication-list-ish content for a small
      // emphasis treatment. The invoice extraction prompt captures
      // line items + CPT codes + meds in `notes`, so this is where
      // pharmacy receipts list the drugs that were dispensed. Suppress
      // the badge when we've already materialized meds so we don't
      // duplicate the same drug names twice in the row.
      const hasMaterialized = materializedMeds.length > 0;
      const looksLikeMeds = !hasMaterialized && /\b(rx|medication|dispens|tablet|capsule|mg|ml|prescrib|薬|錠|カプセル|処方)\b/i.test(inv.notes);
      body.appendChild(el('div', {
        style: {
          marginTop: 'var(--tb-sp-1)',
          padding: 'var(--tb-sp-2)',
          background: looksLikeMeds ? 'rgba(46, 107, 92, 0.08)' : 'transparent',
          borderRadius: 'var(--tb-radius-1)',
          fontSize: 'var(--tb-fs-12)',
          lineHeight: 'var(--tb-lh-body)',
          whiteSpace: 'pre-wrap',
          color: 'var(--tb-text)',
        },
      },
        looksLikeMeds
          ? el('div', null,
              el('span', {
                style: { fontSize: '10px', fontWeight: '700', letterSpacing: '0.04em',
                  textTransform: 'uppercase', color: 'var(--tb-track-ai)', marginRight: '6px' },
              }, '💊 ' + t('ht.exams.invoices.lineItems')),
              el('span', null, inv.notes),
            )
          : inv.notes,
      ));
    }

    // Footer: file + cost meta
    if (inv.filename || inv.ai_cost_usd != null) {
      const bits = [];
      if (inv.filename) bits.push(inv.filename);
      if (inv.ai_cost_usd != null) bits.push('$' + Number(inv.ai_cost_usd).toFixed(4));
      body.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: '4px', fontSize: '10px', fontFamily: 'var(--tb-font-mono)' } },
        bits.join(' · ')));
    }

    row.appendChild(body);
    row.appendChild(el('span', { style: { color: 'var(--tb-text-soft)', alignSelf: 'center', flexShrink: '0' } }, '✎'));
    return row;
  }

  // Row used inside the exam edit modal's "Linked medications" section.
  // Surfaces dosage + frequency + provenance (which invoice it came
  // from when AI-imported). Clicking opens the medication edit modal
  // for fine-tuning.
  function buildLinkedMedRow(med, parentExamDraft) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();

    const row = el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg-elev)',
        borderLeft: '3px solid var(--tb-track-health)',
        borderRadius: 'var(--tb-radius-1)',
        display: 'flex', justifyContent: 'space-between', alignItems: 'flex-start',
        gap: 'var(--tb-sp-3)',
        cursor: 'pointer',
      },
      onclick: () => {
        upsertExam(parentExamDraft);
        const root = document.getElementById('tb-modal-root');
        if (root) root.innerHTML = '';
        // Ensure the parent-exam link is set so close() returns to the
        // exam modal even for meds that were sourced from invoices and
        // never had exam_id set directly.
        const next = Object.assign({}, med);
        if (!next.exam_id) next.exam_id = parentExamDraft.id;
        openMedEditModal(next);
      },
    });

    const body = el('div', { style: { flex: '1', minWidth: '0' } });

    // Header: name + dosage (e.g., "Atorvastatin 20mg")
    const headerBits = [el('span', { style: { fontWeight: '600' } }, med.name || '—')];
    if (med.dosage != null) {
      headerBits.push(el('span', { style: { fontFamily: 'var(--tb-font-mono)', color: 'var(--tb-text-soft)', marginLeft: '6px' } },
        med.dosage + (med.dosage_unit || '')));
    }
    if (med.ended_date) {
      headerBits.push(el('span', {
        style: { marginLeft: '8px', fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(125, 125, 125, 0.14)', color: 'var(--tb-text-soft)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, t('ht.meds.ended')));
    } else {
      headerBits.push(el('span', {
        style: { marginLeft: '8px', fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(46, 107, 92, 0.14)', color: 'var(--tb-track-health)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, t('ht.meds.active')));
    }
    if (med.ai_imported) {
      headerBits.push(el('span', {
        style: { marginLeft: '8px', fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(46, 107, 92, 0.10)', color: 'var(--tb-track-ai)',
          fontWeight: '700', letterSpacing: '0.04em', textTransform: 'uppercase' },
      }, '✨ ' + t('ht.meds.ai')));
    }
    body.appendChild(el('div', { style: { display: 'flex', alignItems: 'center', flexWrap: 'wrap' } }, ...headerBits));

    // Generic name + frequency line
    const subBits = [];
    if (med.generic_name) subBits.push('(' + med.generic_name + ')');
    if (med.frequency) subBits.push(med.frequency);
    if (med.started_date) subBits.push(t('ht.meds.startedShort') + ' ' + med.started_date);
    if (subBits.length) {
      body.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: '2px' } }, subBits.join(' · ')));
    }

    // Prescriber / pharmacy
    const provBits = [];
    if (med.prescriber) provBits.push(t('ht.meds.field.prescriber') + ': ' + med.prescriber);
    if (med.pharmacy) provBits.push(t('ht.meds.field.pharmacy') + ': ' + med.pharmacy);
    if (provBits.length) {
      body.appendChild(el('div', { class: 'tb-card-meta', style: { marginTop: '2px' } }, provBits.join(' · ')));
    }

    // Provenance — which invoice the AI sourced this from
    if (med.source_invoice_id) {
      const srcInv = getInvoices().find((i) => i.id === med.source_invoice_id);
      if (srcInv) {
        body.appendChild(el('div', {
          class: 'tb-card-meta',
          style: { marginTop: '2px', fontSize: '10px', fontFamily: 'var(--tb-font-mono)' },
        }, '🧾 ' + t('ht.meds.fromInvoice') + ': ' + (srcInv.filename || srcInv.date || srcInv.id)));
      }
    }

    // Free-text notes (qty + instructions)
    if (med.notes) {
      body.appendChild(el('div', {
        class: 'tb-card-meta',
        style: { marginTop: '4px', whiteSpace: 'pre-wrap', lineHeight: 'var(--tb-lh-body)' },
      }, med.notes));
    }

    row.appendChild(body);
    row.appendChild(el('span', { style: { color: 'var(--tb-text-soft)', alignSelf: 'center', flexShrink: '0' } }, '✎'));
    return row;
  }

  // ====================================================================
  // AI Advisor — opens Ask Taigan with exam context pre-filled
  // ====================================================================

  function openAiAdvisor() {
    const t = TB.i18n.t;
    const exams = getExams();
    if (exams.length === 0) {
      alert(t('ht.advisor.empty'));
      return;
    }
    const latest = exams.slice(0, 3); // most recent 3 exams as context
    const summary = buildExamSummaryForAi(latest);
    const meds = activeMeds().map((m) => m.name + (m.dosage ? ' ' + m.dosage + (m.dosage_unit || '') : '')).join(', ');
    const promptEn = 'Here is a summary of my recent medical exams.\n\n' + summary +
      (meds ? '\n\nCurrent medications: ' + meds : '') +
      '\n\nWhat findings stand out? What follow-up questions should I bring to my next appointment? ' +
      'Be specific about which lab values are noteworthy and why. Do NOT give medical advice — just help me prepare for an informed conversation with my doctor.';
    const promptJp = '最近の健康診断結果の要約です。\n\n' + summary +
      (meds ? '\n\n服薬中:' + meds : '') +
      '\n\n注目すべき所見は?次回の受診時に医師に確認すべきフォローアップ事項は?どの検査値が注目に値するか具体的に教えてください。' +
      '医学的アドバイスは不要 — 医師との情報に基づいた会話の準備に役立ててください。';
    TB.askTaigan.openWithContext({
      feature: 'ask_taigan',
      label_en: 'Health Tracker exam advisor',
      label_jp: 'Health Tracker 受診アドバイザー',
      prompt_en: promptEn,
      prompt_jp: promptJp,
    });
  }

  // Sanitized exam summary for AI advisor — values + flags + diagnoses,
  // NOT facility/provider/raw PII.
  function buildExamSummaryForAi(exams) {
    const lines = [];
    for (const e of exams) {
      lines.push('## ' + (e.date || '?') + ' — ' + examTypeLabel(e.type));
      const v = e.vitals || {};
      const vitalParts = [];
      if (v.weight_kg != null) vitalParts.push('Weight: ' + v.weight_kg + ' kg');
      if (v.height_cm != null) vitalParts.push('Height: ' + v.height_cm + ' cm');
      if (v.bp_systolic != null && v.bp_diastolic != null) vitalParts.push('BP: ' + v.bp_systolic + '/' + v.bp_diastolic);
      if (v.heart_rate_bpm != null) vitalParts.push('HR: ' + v.heart_rate_bpm + ' bpm');
      if (v.spo2_pct != null) vitalParts.push('SpO2: ' + v.spo2_pct + '%');
      if (vitalParts.length > 0) lines.push('Vitals: ' + vitalParts.join(', '));
      if ((e.lab_results || []).length > 0) {
        lines.push('Lab results:');
        for (const lr of e.lab_results) {
          const flagTag = lr.flag && lr.flag !== 'normal' ? ' [' + lr.flag.toUpperCase() + ']' : '';
          const rangeTag = (lr.range_low != null || lr.range_high != null)
            ? ' (ref ' + formatLabRange(lr.range_low, lr.range_high) + ')'
            : '';
          lines.push('  - ' + lr.name + ': ' + lr.value + (lr.unit ? ' ' + lr.unit : '') + rangeTag + flagTag);
        }
      }
      if ((e.diagnoses || []).length > 0) {
        lines.push('Diagnoses: ' + e.diagnoses.join(', '));
      }
      if (e.followup) lines.push('Follow-up: ' + e.followup);
      lines.push('');
    }
    return lines.join('\n');
  }

  // ====================================================================
  // Health Year-In Review (v0.58)
  // ====================================================================
  //
  // Annual summary report rolling up everything tracked in a year:
  // exams + dental + procedures + spend + providers + medication
  // changes + screenings + lab trends + open vs closed action items.
  //
  // Render is print-friendly so users can save as PDF and share with
  // CPA (for medical-expense deductions) or spouse.

  function openHealthYearInReviewModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', {
      class: 'tb-modal',
      id: 'tb-yir-modal',
      style: { maxWidth: '900px', maxHeight: '92vh', overflow: 'auto' },
    });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    // Year picker — defaults to current year. Show years that have
    // any data (exams, dental notes, invoices).
    const yearsSet = new Set();
    yearsSet.add(String(new Date().getFullYear()));
    for (const e of getExams()) if (e.date) yearsSet.add(e.date.slice(0, 4));
    for (const n of (getDental().notes_log || [])) if (n.date) yearsSet.add(n.date.slice(0, 4));
    for (const i of getInvoices()) if (i.date) yearsSet.add(i.date.slice(0, 4));
    for (const p of (getDental().procedures || [])) if (p.date) yearsSet.add(p.date.slice(0, 4));
    const years = Array.from(yearsSet).sort().reverse();
    const sel = { year: years[0] };

    function rerenderBody() {
      // Wipe and re-build everything except the modal itself
      modal.innerHTML = '';
      buildHeader();
      buildBody();
    }

    function buildHeader() {
      const headRow = el('div', {
        'data-yir-no-print': '1',
        style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center',
          flexWrap: 'wrap', gap: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-3)' },
      });
      headRow.appendChild(el('h2', { style: { margin: 0 } },
        '📊 ' + t('ht.yir.title')));
      const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)', alignItems: 'center', flexWrap: 'wrap' } });
      // Year picker
      right.appendChild(el('label', { style: { fontSize: 'var(--tb-fs-12)' } }, t('ht.yir.year') + ': '));
      right.appendChild(el('select', {
        class: 'tb-select',
        style: { fontSize: 'var(--tb-fs-12)', padding: '4px 8px' },
        onchange: (e) => { sel.year = e.target.value; rerenderBody(); },
      }, years.map((y) => el('option', { value: y, selected: y === sel.year }, y))));
      right.appendChild(el('button', {
        class: 'tb-btn tb-btn--secondary', type: 'button',
        style: { fontSize: 'var(--tb-fs-12)' },
        onclick: () => printYearInReview(),
      }, '🖨 ' + t('ht.yir.print')));
      right.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { fontSize: 'var(--tb-fs-12)' },
        onclick: close,
      }, t('ht.cancel')));
      headRow.appendChild(right);
      modal.appendChild(headRow);
    }

    function buildBody() {
      const body = renderYearInReviewBody(sel.year);
      modal.appendChild(body);
    }

    buildHeader();
    buildBody();

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // Render the full year-in-review content for the given year. Returns
  // a DOM element ready to drop into the modal (and also used for the
  // print view).
  function renderYearInReviewBody(year) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const wrap = el('div', { id: 'tb-yir-content' });

    function inYear(dateStr) {
      return dateStr && dateStr.startsWith(year);
    }

    // ─── Gather data slices for the year
    const exams = getExams().filter((e) => inYear(e.date));
    const invoices = getInvoices().filter((i) => inYear(i.date));
    const procedures = (getDental().procedures || []).filter((p) => inYear(p.date));
    const dentalNotes = (getDental().notes_log || []).filter((n) => inYear(n.date));
    const meds = getMeds();
    const startedMeds = meds.filter((m) => inYear(m.started_date));
    const endedMeds = meds.filter((m) => inYear(m.ended_date));
    const episodes = getEpisodes().filter((ep) =>
      inYear(ep.started_date) || inYear(ep.completed_date));
    const completedEpisodes = episodes.filter((ep) =>
      ep.status === 'completed' && inYear(ep.completed_date));
    const activeEpisodes = getEpisodes().filter((ep) =>
      ep.status !== 'completed' && ep.status !== 'cancelled' &&
      (!ep.completed_date || ep.completed_date >= year + '-01-01'));

    // Title
    const profile = TB.state.get('profile') || {};
    const userName = lang === 'ja' ? (profile.displayNameJa || profile.displayName || '') : (profile.displayName || '');
    wrap.appendChild(el('div', {
      style: { textAlign: 'center', marginBottom: 'var(--tb-sp-4)',
        paddingBottom: 'var(--tb-sp-3)', borderBottom: '2px solid var(--tb-track-health)' },
    },
      el('h1', { style: { margin: 0, color: 'var(--tb-track-health)' } },
        year + ' ' + t('ht.yir.headerTitle')),
      userName ? el('div', { class: 'tb-card-meta', style: { marginTop: '4px' } }, userName) : null,
      el('div', { class: 'tb-card-meta', style: { fontSize: '11px', marginTop: '4px' } },
        t('ht.yir.generated') + ': ' + new Date().toISOString().slice(0, 10)),
    ));

    // ─── Overview tiles
    const tiles = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(160px, 1fr))',
        gap: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-4)' },
    });
    function tile(label, value, color) {
      return el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', textAlign: 'center',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)',
          border: '1px solid var(--tb-border)' },
      },
        el('div', { style: { fontSize: '24px', fontWeight: '700', fontFamily: 'var(--tb-font-mono)', color: color || 'var(--tb-track-health)' } }, value),
        el('div', { style: { fontSize: '10px', textTransform: 'uppercase', letterSpacing: '0.04em', color: 'var(--tb-text-soft)', marginTop: '2px' } }, label),
      );
    }
    tiles.appendChild(tile(t('ht.yir.tile.exams'), String(exams.length)));
    tiles.appendChild(tile(t('ht.yir.tile.procedures'), String(procedures.length)));
    tiles.appendChild(tile(t('ht.yir.tile.dentalVisits'), String(dentalNotes.length)));
    tiles.appendChild(tile(t('ht.yir.tile.activeMeds'),
      String(activeMeds().length)));
    tiles.appendChild(tile(t('ht.yir.tile.episodes'),
      String(episodes.length)));
    wrap.appendChild(tiles);

    // ─── Spend breakdown
    if (invoices.length > 0) {
      const spendCard = el('div', { class: 'tb-card', 'data-track': 'health' });
      spendCard.appendChild(el('h3', { style: { marginTop: 0 } },
        '💰 ' + t('ht.yir.section.spend')));
      // Aggregate by type + currency
      const byType = {};
      let totalUsd = 0, totalJpy = 0;
      let insuranceUsd = 0, insuranceJpy = 0;
      let unpaidCount = 0;
      for (const inv of invoices) {
        const tk = inv.type || 'other';
        byType[tk] = byType[tk] || { count: 0, native: 0, currency: inv.currency || 'USD' };
        byType[tk].count++;
        if (typeof inv.amount_native === 'number') byType[tk].native += inv.amount_native;
        if (typeof inv.amount_usd_calc === 'number') totalUsd += inv.amount_usd_calc;
        if (inv.currency === 'JPY' && typeof inv.amount_native === 'number') totalJpy += inv.amount_native;
        if (inv.reimbursement_status === 'received' && typeof inv.reimbursed_native === 'number') {
          if (inv.currency === 'JPY') insuranceJpy += inv.reimbursed_native;
          else if (typeof inv.reimbursed_usd_calc === 'number') insuranceUsd += inv.reimbursed_usd_calc;
        }
        if (!inv.paid) unpaidCount++;
      }
      const totalsRow = el('div', {
        style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(170px, 1fr))',
          gap: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-3)' },
      });
      totalsRow.appendChild(el('div', null,
        el('div', { class: 'tb-card-meta', style: { fontSize: '10px' } }, t('ht.yir.spend.totalUsd')),
        el('div', { style: { fontWeight: '700', fontFamily: 'var(--tb-font-mono)' } }, '$' + Math.round(totalUsd).toLocaleString()),
      ));
      if (totalJpy > 0) totalsRow.appendChild(el('div', null,
        el('div', { class: 'tb-card-meta', style: { fontSize: '10px' } }, t('ht.yir.spend.totalJpy')),
        el('div', { style: { fontWeight: '700', fontFamily: 'var(--tb-font-mono)' } }, '¥' + Math.round(totalJpy).toLocaleString()),
      ));
      totalsRow.appendChild(el('div', null,
        el('div', { class: 'tb-card-meta', style: { fontSize: '10px' } }, t('ht.yir.spend.insurance')),
        el('div', { style: { fontWeight: '700', fontFamily: 'var(--tb-font-mono)', color: 'var(--tb-success)' } },
          '$' + Math.round(insuranceUsd).toLocaleString() + (insuranceJpy > 0 ? ' / ¥' + Math.round(insuranceJpy).toLocaleString() : '')),
      ));
      totalsRow.appendChild(el('div', null,
        el('div', { class: 'tb-card-meta', style: { fontSize: '10px' } }, t('ht.yir.spend.oop')),
        el('div', { style: { fontWeight: '700', fontFamily: 'var(--tb-font-mono)', color: 'var(--tb-warn)' } },
          '$' + Math.round(totalUsd - insuranceUsd).toLocaleString()),
      ));
      if (unpaidCount > 0) totalsRow.appendChild(el('div', null,
        el('div', { class: 'tb-card-meta', style: { fontSize: '10px' } }, t('ht.yir.spend.unpaid')),
        el('div', { style: { fontWeight: '700', fontFamily: 'var(--tb-font-mono)', color: 'var(--tb-error)' } },
          String(unpaidCount)),
      ));
      spendCard.appendChild(totalsRow);
      // Per-type breakdown table
      const typeTable = el('table', { style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-12)' } });
      typeTable.appendChild(el('thead', null, el('tr', null,
        thTd(t('ht.yir.spend.col.type'), true),
        thTd(t('ht.yir.spend.col.count'), true, 'right'),
        thTd(t('ht.yir.spend.col.amount'), true, 'right'),
      )));
      const tbody = el('tbody');
      const types = Object.keys(byType).sort((a, b) => byType[b].native - byType[a].native);
      for (const k of types) {
        const d = byType[k];
        const symHere = ({ USD: '$', JPY: '¥', EUR: '€', GBP: '£' })[d.currency || 'USD'] || (d.currency + ' ');
        tbody.appendChild(el('tr', null,
          thTd(t('ht.invoices.type.' + k)),
          thTd(String(d.count), false, 'right'),
          thTd(el('span', { style: { fontFamily: 'var(--tb-font-mono)' } },
            symHere + (d.currency === 'JPY' ? Math.round(d.native).toLocaleString() : d.native.toFixed(2))), false, 'right'),
        ));
      }
      typeTable.appendChild(tbody);
      spendCard.appendChild(typeTable);
      wrap.appendChild(spendCard);
    }

    // ─── Exams
    if (exams.length > 0) {
      const examCard = el('div', { class: 'tb-card', 'data-track': 'health' });
      examCard.appendChild(el('h3', { style: { marginTop: 0 } },
        '📋 ' + t('ht.yir.section.exams')));
      const sorted = exams.slice().sort((a, b) => (a.date || '').localeCompare(b.date || ''));
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px' } });
      for (const e of sorted) {
        const bits = [e.date || '?', examTypeLabel(e.type)];
        if (e.provider || e.facility) bits.push(e.provider || e.facility);
        const flaggedLabs = (e.lab_results || []).filter((lr) =>
          lr.flag === 'high' || lr.flag === 'low' || lr.flag === 'critical');
        if (flaggedLabs.length > 0) bits.push(flaggedLabs.length + ' flagged');
        list.appendChild(el('div', {
          style: { padding: '4px 12px', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
            display: 'flex', justifyContent: 'space-between', fontSize: 'var(--tb-fs-12)' },
        },
          el('span', null, bits.join(' · ')),
          (e.diagnoses && e.diagnoses.length > 0)
            ? el('span', { class: 'tb-card-meta' }, 'Dx: ' + e.diagnoses.slice(0, 2).join(', '))
            : null,
        ));
      }
      examCard.appendChild(list);
      wrap.appendChild(examCard);
    }

    // ─── Providers visited (count of visits per provider, across exams + dental)
    const providerCounts = {};
    for (const e of exams) {
      const name = e.facility || e.provider;
      if (!name) continue;
      providerCounts[name] = (providerCounts[name] || 0) + 1;
    }
    for (const n of dentalNotes) {
      const providers = getDentalProviders();
      const prov = n.provider_id ? providers.find((p) => p.id === n.provider_id) : null;
      const name = prov ? (prov.name_en || prov.name_jp) : null;
      if (!name) continue;
      providerCounts[name] = (providerCounts[name] || 0) + 1;
    }
    if (Object.keys(providerCounts).length > 0) {
      const provCard = el('div', { class: 'tb-card', 'data-track': 'health' });
      provCard.appendChild(el('h3', { style: { marginTop: 0 } },
        '🏥 ' + t('ht.yir.section.providers')));
      const provList = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px' } });
      const sorted = Object.entries(providerCounts).sort((a, b) => b[1] - a[1]);
      for (const [name, n] of sorted) {
        provList.appendChild(el('div', {
          style: { padding: '4px 12px', background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
            display: 'flex', justifyContent: 'space-between', fontSize: 'var(--tb-fs-12)' },
        },
          el('span', { style: { fontWeight: '500' } }, name),
          el('span', { class: 'tb-card-meta', style: { fontFamily: 'var(--tb-font-mono)' } },
            n + ' ' + t('ht.yir.providers.visits')),
        ));
      }
      provCard.appendChild(provList);
      wrap.appendChild(provCard);
    }

    // ─── Medications timeline
    if (startedMeds.length > 0 || endedMeds.length > 0) {
      const medCard = el('div', { class: 'tb-card', 'data-track': 'health' });
      medCard.appendChild(el('h3', { style: { marginTop: 0 } },
        '💊 ' + t('ht.yir.section.medications')));
      if (startedMeds.length > 0) {
        medCard.appendChild(el('div', { style: { fontSize: '11px', fontWeight: '700',
          textTransform: 'uppercase', color: 'var(--tb-success)', marginBottom: '4px' } },
          '+ ' + t('ht.yir.meds.started', { n: startedMeds.length })));
        for (const m of startedMeds) {
          medCard.appendChild(el('div', { style: { paddingLeft: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)' } },
            (m.started_date || '?') + ' · ' + (m.name || '?') +
            (m.dosage != null ? ' ' + m.dosage + (m.dosage_unit || '') : '') +
            (m.purpose ? ' (for ' + m.purpose + ')' : '')));
        }
      }
      if (endedMeds.length > 0) {
        medCard.appendChild(el('div', { style: { fontSize: '11px', fontWeight: '700',
          textTransform: 'uppercase', color: 'var(--tb-text-soft)', marginTop: 'var(--tb-sp-2)', marginBottom: '4px' } },
          '× ' + t('ht.yir.meds.ended', { n: endedMeds.length })));
        for (const m of endedMeds) {
          medCard.appendChild(el('div', { style: { paddingLeft: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)' } },
            (m.ended_date || '?') + ' · ' + (m.name || '?')));
        }
      }
      wrap.appendChild(medCard);
    }

    // ─── Dental year summary
    if (dentalNotes.length > 0 || procedures.length > 0) {
      const dentCard = el('div', { class: 'tb-card', 'data-track': 'health' });
      dentCard.appendChild(el('h3', { style: { marginTop: 0 } },
        '🦷 ' + t('ht.yir.section.dental')));
      if (dentalNotes.length > 0) {
        dentCard.appendChild(el('div', { style: { fontSize: 'var(--tb-fs-12)', marginBottom: 'var(--tb-sp-2)' } },
          t('ht.yir.dental.visits', { n: dentalNotes.length })));
      }
      // Periodontal trend across notes
      const perioSnaps = dentalNotes
        .filter((n) => n.periodontal_snapshot)
        .map((n) => ({ date: n.date, snap: n.periodontal_snapshot }))
        .sort((a, b) => a.date.localeCompare(b.date));
      if (perioSnaps.length >= 1) {
        const first = perioSnaps[0].snap, last = perioSnaps[perioSnaps.length - 1].snap;
        function delta(curr, prev, lower_is_better) {
          if (curr == null || prev == null) return '';
          const d = curr - prev;
          if (Math.abs(d) < 0.1) return ' →';
          if (lower_is_better) return d < 0 ? ' ↓ (' + d.toFixed(1) + ')' : ' ↑ (+' + d.toFixed(1) + ')';
          return d > 0 ? ' ↑ (+' + d.toFixed(1) + ')' : ' ↓ (' + d.toFixed(1) + ')';
        }
        if (perioSnaps.length >= 2) {
          const perioBits = [];
          if (last.pockets_4mm_pct != null) perioBits.push('Pockets 4mm+: ' + last.pockets_4mm_pct + '%' + delta(last.pockets_4mm_pct, first.pockets_4mm_pct, true));
          if (last.bleeding_on_probing_pct != null) perioBits.push('BoP: ' + last.bleeding_on_probing_pct + '%' + delta(last.bleeding_on_probing_pct, first.bleeding_on_probing_pct, true));
          if (perioBits.length > 0) {
            dentCard.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: '12px', marginBottom: 'var(--tb-sp-2)' } },
              t('ht.yir.dental.perioTrend') + ': ' + perioBits.join(' · ')));
          }
        }
      }
      if (procedures.length > 0) {
        dentCard.appendChild(el('div', { style: { fontSize: '11px', fontWeight: '700',
          textTransform: 'uppercase', color: 'var(--tb-text-soft)', marginTop: 'var(--tb-sp-2)' } },
          t('ht.yir.dental.procedures', { n: procedures.length })));
        const sortedProcs = procedures.slice().sort((a, b) => (a.date || '').localeCompare(b.date || ''));
        for (const p of sortedProcs) {
          dentCard.appendChild(el('div', { style: { paddingLeft: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)' } },
            (p.date || '?') + ' · ' + (p.name_en || p.name_jp || p.code || '?')));
        }
      }
      wrap.appendChild(dentCard);
    }

    // ─── Care episodes
    if (episodes.length > 0) {
      const epCard = el('div', { class: 'tb-card', 'data-track': 'health' });
      epCard.appendChild(el('h3', { style: { marginTop: 0 } },
        '🧭 ' + t('ht.yir.section.episodes')));
      if (completedEpisodes.length > 0) {
        epCard.appendChild(el('div', { style: { fontSize: '11px', fontWeight: '700',
          textTransform: 'uppercase', color: 'var(--tb-success)' } },
          '✓ ' + t('ht.yir.episodes.completed', { n: completedEpisodes.length })));
        for (const ep of completedEpisodes) {
          const cost = totalCostForEpisode(ep.id);
          epCard.appendChild(el('div', { style: { paddingLeft: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)' } },
            (ep.title || '?') +
            (ep.started_date && ep.completed_date ? ' · ' + ep.started_date + ' → ' + ep.completed_date : '') +
            (cost.gross > 0 ? ' · ≈$' + Math.round(cost.gross).toLocaleString() : '')));
        }
      }
      const stillActive = activeEpisodes;
      if (stillActive.length > 0) {
        epCard.appendChild(el('div', { style: { fontSize: '11px', fontWeight: '700',
          textTransform: 'uppercase', color: 'var(--tb-warn)', marginTop: 'var(--tb-sp-2)' } },
          '🔄 ' + t('ht.yir.episodes.active', { n: stillActive.length })));
        for (const ep of stillActive) {
          epCard.appendChild(el('div', { style: { paddingLeft: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)' } },
            (ep.title || '?') +
            (ep.started_date ? ' · since ' + ep.started_date : '') +
            (ep.specialty ? ' · ' + ep.specialty : '')));
        }
      }
      wrap.appendChild(epCard);
    }

    // ─── Screenings status (current)
    if (typeof computeScreeningsDue === 'function') {
      const screenings = computeScreeningsDue();
      const overdue = screenings.filter((s) => s.status === 'critical' || s.status === 'due');
      const upcoming = screenings.filter((s) => s.status === 'upcoming');
      const current = screenings.filter((s) => s.status === 'current');
      if (screenings.length > 0) {
        const scrCard = el('div', { class: 'tb-card', 'data-track': 'health' });
        scrCard.appendChild(el('h3', { style: { marginTop: 0 } },
          '🎯 ' + t('ht.yir.section.screenings')));
        scrCard.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: 'var(--tb-fs-12)' } },
          t('ht.yir.screenings.summary', {
            current: current.length, overdue: overdue.length, upcoming: upcoming.length,
          })));
        if (overdue.length > 0) {
          scrCard.appendChild(el('div', { style: { marginTop: 'var(--tb-sp-2)' } },
            el('div', { style: { fontSize: '11px', fontWeight: '700', textTransform: 'uppercase', color: 'var(--tb-error)' } },
              t('ht.yir.screenings.overdue')),
            ...overdue.map((s) => el('div', { style: { paddingLeft: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)' } },
              (lang === 'ja' ? s.label_jp : s.label_en) +
              (s.last_done ? ' · last ' + s.last_done : ' · never done'))),
          ));
        }
        wrap.appendChild(scrCard);
      }
    }

    // ─── Action items: open vs closed across all dental notes from this year
    const acAll = [], acClosed = [];
    for (const n of dentalNotes) {
      for (const ai of (n.action_items || [])) {
        if (!ai || !ai.text) continue;
        acAll.push(ai);
        if (ai.checked) acClosed.push(ai);
      }
    }
    if (acAll.length > 0) {
      const aiCard = el('div', { class: 'tb-card', 'data-track': 'health' });
      aiCard.appendChild(el('h3', { style: { marginTop: 0 } },
        '✅ ' + t('ht.yir.section.actionItems')));
      const closedPct = Math.round((acClosed.length / acAll.length) * 100);
      aiCard.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: 'var(--tb-fs-12)' } },
        t('ht.yir.actions.summary', { closed: acClosed.length, total: acAll.length, pct: closedPct })));
      // Progress bar
      const bar = el('div', {
        style: { display: 'flex', height: '12px', borderRadius: 'var(--tb-radius-1)',
          overflow: 'hidden', border: '1px solid var(--tb-border)', marginTop: '6px' },
      });
      bar.appendChild(el('div', {
        style: { flex: acClosed.length, background: 'var(--tb-success)' },
      }));
      bar.appendChild(el('div', {
        style: { flex: (acAll.length - acClosed.length), background: 'var(--tb-bg)' },
      }));
      aiCard.appendChild(bar);
      wrap.appendChild(aiCard);
    }

    if (exams.length === 0 && dentalNotes.length === 0 && invoices.length === 0 && procedures.length === 0) {
      wrap.appendChild(el('div', { class: 'tb-card', style: { textAlign: 'center' } },
        el('p', { class: 'tb-field-help' }, t('ht.yir.empty', { year }))));
    }

    return wrap;
  }

  // Print just the YIR content. Uses a print-specific CSS injection
  // to hide everything else on the page.
  function printYearInReview() {
    const content = document.getElementById('tb-yir-content');
    if (!content) { window.print(); return; }
    // Inject a one-time print stylesheet that hides the rest of the
    // page and the modal chrome (header + close button), then
    // triggers the browser print dialog. Restored after print.
    const css = document.createElement('style');
    css.id = 'tb-yir-print-style';
    css.textContent =
      '@media print {' +
      '  body * { visibility: hidden !important; }' +
      '  #tb-yir-content, #tb-yir-content * { visibility: visible !important; }' +
      '  #tb-yir-content { position: absolute !important; left: 0; top: 0; width: 100%; padding: 24px !important; }' +
      '  [data-yir-no-print] { display: none !important; }' +
      '  .tb-card { break-inside: avoid; page-break-inside: avoid; }' +
      '}';
    document.head.appendChild(css);
    setTimeout(() => {
      window.print();
      setTimeout(() => { try { css.remove(); } catch (_) {} }, 500);
    }, 100);
  }

  // ====================================================================
  // CSV export
  // ====================================================================

  function exportLabsCsv() {
    const rows = [];
    rows.push(['exam_date', 'exam_type', 'test_name', 'value', 'unit', 'range_low', 'range_high', 'flag']);
    for (const e of getExams()) {
      for (const lr of (e.lab_results || [])) {
        rows.push([
          e.date || '',
          e.type || '',
          (lr.name || '').replace(/,/g, ' '),
          lr.value != null ? lr.value : '',
          lr.unit || '',
          lr.range_low != null ? lr.range_low : '',
          lr.range_high != null ? lr.range_high : '',
          lr.flag || '',
        ]);
      }
    }
    const csv = rows.map((r) => r.map((c) => {
      const s = String(c == null ? '' : c);
      return /[",\n\r]/.test(s) ? '"' + s.replace(/"/g, '""') + '"' : s;
    }).join(',')).join('\n');
    const fname = 'taigan-health-labs-' + new Date().toISOString().slice(0, 10) + '.csv';
    TB.utils.downloadFile(fname, csv, 'text/csv');
  }

  // ====================================================================
  // Input helpers (shared by all tabs)
  // ====================================================================

  function field(label, control, help) {
    const el = TB.utils.el;
    return el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label' }, label),
      control,
      help ? el('div', { class: 'tb-field-help' }, help) : null,
    );
  }
  function textInput(val, onChange) {
    return TB.utils.el('input', {
      type: 'text', class: 'tb-input', value: val || '',
      oninput: (e) => onChange(e.target.value || ''),
    });
  }
  function numInput(val, onChange) {
    return TB.utils.el('input', {
      type: 'number', step: 'any', class: 'tb-input',
      style: { fontFamily: 'var(--tb-font-mono)' },
      value: val != null ? val : '',
      oninput: (e) => { const v = parseFloat(e.target.value); onChange(isFinite(v) ? v : null); },
    });
  }
  function dateInput(val, onChange) {
    return TB.utils.el('input', {
      type: 'date', class: 'tb-input',
      value: val || '',
      onchange: (e) => onChange(e.target.value || null),
    });
  }
  function textareaInput(val, onChange) {
    return TB.utils.el('textarea', {
      class: 'tb-textarea', rows: 3,
      oninput: (e) => onChange(e.target.value || ''),
    }, val || '');
  }

  // ====================================================================
  // Action Center generators
  // ====================================================================

  function genAnnualPhysicalDue() {
    const physical = latestExamOfType('physical');
    if (!physical) {
      // No physical on file — surface a low-priority "first physical" item
      // only when we have at least some other exam data (signals the user
      // is engaged enough to act on it).
      const anyExam = getExams().length > 0;
      if (!anyExam) return [];
      return [{
        id: 'ht_no_physical',
        group: 'health', urgency: 'low', icon: '🩺',
        title: 'No annual physical on file',
        body: 'Add your most recent physical to the Health Tracker so we can track preventive screenings + the 1-year cadence.',
        module: 'health-tracker', snoozable: true,
      }];
    }
    const days = daysSince(physical.date);
    if (days < 330) return [];  // not yet due
    const urgency = days > 540 ? 'high' : days > 365 ? 'medium' : 'low';
    return [{
      id: 'ht_physical_due',
      group: 'health', urgency, icon: '🩺',
      title: 'Annual physical: ' + days + ' days since last',
      body: 'Last physical was ' + physical.date + '. USPSTF recommends annual for ages 30+; SOFA / TRICARE / NHI annual coverage. Book your next.',
      module: 'health-tracker', snoozable: true,
    }];
  }

  function genDentalCleaningDue() {
    const d = getDental();
    if (!d.last_cleaning) return [];
    const days = daysSince(d.last_cleaning);
    if (days < 165) return [];
    const urgency = days > 365 ? 'high' : days > 240 ? 'medium' : 'low';
    return [{
      id: 'ht_dental_due',
      group: 'health', urgency, icon: '🦷',
      title: 'Dental cleaning: ' + days + ' days since last',
      body: 'Last cleaning was ' + d.last_cleaning + '. Standard cadence is 6 months; insurance typically covers two per year.',
      module: 'health-tracker', snoozable: true,
    }];
  }

  function genMedRefillDue() {
    const out = [];
    for (const m of activeMeds()) {
      if (!m.next_refill_date) continue;
      const days = daysUntil(m.next_refill_date);
      if (days > 14 || days < -7) continue;  // window: 2 weeks ahead → 1 week past
      const urgency = days < 0 ? 'high' : days <= 3 ? 'high' : days <= 7 ? 'medium' : 'low';
      out.push({
        id: 'ht_refill_' + m.id,
        group: 'health', urgency, icon: '💊',
        title: (m.name || 'Medication') + ' refill ' + (days < 0 ? 'overdue' : 'in ' + days + 'd'),
        body: 'Pharmacy: ' + (m.pharmacy || '?') + (m.refills_remaining != null ? ' · ' + m.refills_remaining + ' refills left' : ''),
        deadline: m.next_refill_date,
        module: 'health-tracker', snoozable: true,
      });
    }
    return out;
  }

  // Fires action items ONLY for screenings with a recorded last_done
  // date that's overdue by >1 year. 'never' status is intentionally
  // suppressed — nagging the user about every-not-yet-recorded
  // screening on first load is too noisy (especially before they've
  // set their sex/age preferences and the library is fully filtered).
  function genScreeningsOverdue() {
    const out = [];
    const lang = TB.i18n.getLang();
    for (const s of computeScreeningsDue()) {
      if (s.status !== 'critical') continue;
      if (s.last_done == null) continue;            // never-done items don't nag
      if (!isFinite(s.overdue_days)) continue;      // safety net
      const label = lang === 'ja' ? s.label_jp : s.label_en;
      out.push({
        id: 'ht_screen_' + s.library_id,
        group: 'health', urgency: 'medium', icon: '🎯',
        title: label + ' overdue by ' + Math.round(s.overdue_days) + ' days',
        body: 'Last done: ' + s.last_done + '. Recommended cadence: every ' + s.interval_years + ' year(s). Open Health Tracker → Care Plan to log when completed.',
        module: 'health-tracker', snoozable: true,
      });
    }
    return out;
  }

  // Episode-level action items. Fires for:
  //   • Active episodes with no attached records (likely user created
  //     the episode and forgot to attach exams)
  //   • Episodes with submitted/pending reimbursement aged >30 days
  //     (likely got stuck somewhere in the insurance process)
  //   • Completed-status episodes with future-dated "next appointment"
  //     hints in notes (not implemented — would need NLP)
  function genActiveEpisodeEmpty() {
    const out = [];
    for (const ep of getEpisodes()) {
      if (ep.status !== 'active') continue;
      const examCount = examsForEpisode(ep.id).length;
      const medCount = medicationsForEpisode(ep.id).length;
      const invCount = invoicesForEpisode(ep.id).length;
      if (examCount > 0 || medCount > 0 || invCount > 0) continue;
      const days = daysSince(ep.started_date || ep.created_at);
      if (days < 7) continue;  // give the user a week to populate
      out.push({
        id: 'ht_ep_empty_' + ep.id,
        group: 'health', urgency: 'low', icon: '🧭',
        title: 'Episode "' + (ep.title || 'untitled') + '" has no attached records',
        body: 'Started ' + (ep.started_date || '?') + '. Attach the related exams, medications, or invoices in Health Tracker → Care Episodes.',
        module: 'health-tracker', snoozable: true,
      });
    }
    return out;
  }

  function genPendingReimbursement() {
    const out = [];
    const today = new Date();
    for (const inv of getInvoices()) {
      if (inv.reimbursement_status !== 'submitted' && inv.reimbursement_status !== 'pending') continue;
      const submittedDate = inv.paid_date || inv.date;
      if (!submittedDate) continue;
      const days = Math.floor((today.getTime() - new Date(submittedDate + 'T00:00:00').getTime()) / 86400000);
      if (days < 30) continue;
      const urgency = days > 90 ? 'high' : days > 60 ? 'medium' : 'low';
      out.push({
        id: 'ht_reim_pending_' + inv.id,
        group: 'health', urgency, icon: '🏥',
        title: 'Reimbursement ' + inv.reimbursement_status + ' for ' + days + ' days',
        body: (inv.provider || 'Unknown provider') + ' · ' + inv.date + ' · ' +
              (inv.amount_native != null ? inv.amount_native.toLocaleString() + ' ' + (inv.currency || 'USD') : '?') +
              '. Follow up with the insurer or pharmacy benefit manager.',
        deadline: null,
        module: 'health-tracker', snoozable: true,
      });
    }
    return out;
  }

  function genAbnormalLabFlags() {
    const out = [];
    const latest = latestExam();
    if (!latest) return out;
    const days = daysSince(latest.date);
    if (days > 90) return out;  // only flag recently
    const flagged = (latest.lab_results || []).filter((lr) =>
      lr.flag === 'high' || lr.flag === 'low' || lr.flag === 'critical');
    if (flagged.length === 0) return out;
    const critical = flagged.filter((lr) => lr.flag === 'critical');
    const urgency = critical.length > 0 ? 'high' : 'medium';
    out.push({
      id: 'ht_abnormal_' + latest.id,
      group: 'health', urgency, icon: critical.length > 0 ? '🚨' : '⚠',
      title: flagged.length + ' abnormal lab value' + (flagged.length === 1 ? '' : 's') + ' on your ' + latest.date + ' panel',
      body: 'Flagged: ' + flagged.map((lr) => lr.name + ' ' + (lr.flag || '').toUpperCase()).slice(0, 4).join(', ') +
        (flagged.length > 4 ? '…' : '') + '. Review in Health Tracker; bring questions to your next appointment.',
      module: 'health-tracker', snoozable: true,
    });
    return out;
  }

  // ─── v0.57 generators ───────────────────────────────────────────

  // Unchecked action items from dental notes that have been sitting
  // open. Fires per note when ≥1 action_item is still unchecked AND
  // the note is ≥7 days old (so we give the user some breathing room
  // right after import). Severity escalates with age.
  function genDentalNoteActionItems() {
    const out = [];
    const notes = (getDental().notes_log) || [];
    for (const n of notes) {
      if (n.status === 'complete') continue;
      const items = (n.action_items || []).filter((x) => x && x.text && !x.checked);
      if (items.length === 0) continue;
      const days = daysSince(n.date);
      if (days < 7) continue;  // grace period
      const urgency = days > 90 ? 'high' : days > 30 ? 'medium' : 'low';
      out.push({
        id: 'ht_dental_actions_' + n.id,
        group: 'health', urgency, icon: '🦷',
        title: items.length + ' unchecked dental action item' + (items.length === 1 ? '' : 's') +
          ' from ' + n.date,
        body: items.slice(0, 3).map((x) => '• ' + x.text).join('\n') +
          (items.length > 3 ? '\n• …+' + (items.length - 3) + ' more' : ''),
        module: 'health-tracker', snoozable: true,
      });
    }
    return out;
  }

  // Insurance cards approaching expiry. Standard window: 60 days
  // ahead, since insurance renewal logistics (employer election,
  // provider re-verification) take real time.
  function genInsuranceCardExpiring() {
    const out = [];
    const ins = getInsuranceSummary();
    const cards = ins.cards || [];
    for (const c of cards) {
      if (!c.expiry_date) continue;
      const days = daysUntil(c.expiry_date);
      if (days > 60 || days < -7) continue;  // skip far-future + long-past
      const urgency = days < 0 ? 'critical' : days <= 14 ? 'high' : days <= 30 ? 'medium' : 'low';
      const label = c.insurer ? (c.insurer + (c.plan_name ? ' — ' + c.plan_name : '')) : (c.plan_name || 'Insurance card');
      out.push({
        id: 'ht_ins_expiry_' + c.id,
        group: 'health', urgency,
        icon: c.card_type === 'dental' ? '🦷' : c.card_type === 'vision' ? '👁' : '🛡️',
        title: days < 0
          ? label + ' expired ' + Math.abs(days) + ' day' + (Math.abs(days) === 1 ? '' : 's') + ' ago'
          : label + ' expires in ' + days + ' day' + (days === 1 ? '' : 's'),
        body: 'Member ID ••••' + (c.member_id_last4 || '????') + (c.network_type ? ' · ' + c.network_type : '') +
          '. Confirm renewal with HR / insurer; update the card details here.',
        deadline: c.expiry_date,
        module: 'health-tracker', snoozable: true,
      });
    }
    return out;
  }

  // Upcoming dental appointments — 7-day window. Useful as a "this
  // week" prompt; doesn't fire for events further out.
  function genDentalAppointmentsUpcoming() {
    const out = [];
    const today = new Date().toISOString().slice(0, 10);
    const appts = (getDental().appointments || []).filter((a) => a.date && a.date >= today);
    appts.sort((a, b) => (a.date || '').localeCompare(b.date || ''));
    for (const a of appts.slice(0, 3)) {
      const days = daysUntil(a.date);
      if (days > 7) continue;
      const urgency = days <= 1 ? 'high' : days <= 3 ? 'medium' : 'low';
      const providers = getDentalProviders();
      const prov = a.provider_id ? providers.find((p) => p.id === a.provider_id) : null;
      out.push({
        id: 'ht_dental_appt_' + a.id,
        group: 'health', urgency, icon: '📅',
        title: days === 0 ? 'Dental appointment today'
              : days === 1 ? 'Dental appointment tomorrow'
              : 'Dental appointment in ' + days + ' days · ' + a.date,
        body: (a.time ? a.time + ' · ' : '') +
              (prov ? (prov.name_en || prov.name_jp || '') : '') +
              (a.purpose ? ' — ' + a.purpose : ''),
        deadline: a.date,
        module: 'health-tracker', snoozable: true,
      });
    }
    return out;
  }

  // Unpaid invoices >30 days old. Catches billing that fell through
  // the cracks. Skips invoices that are insurance-pending (waiting on
  // claim resolution is normal and tracked separately).
  function genUnpaidInvoicesOld() {
    const out = [];
    const today = new Date();
    for (const inv of getInvoices()) {
      if (inv.paid === true) continue;
      if (!inv.date) continue;
      // Skip if claim is still working through insurance — handled by
      // genPendingReimbursement.
      if (inv.reimbursement_status === 'submitted' || inv.reimbursement_status === 'pending') continue;
      const days = Math.floor((today.getTime() - new Date(inv.date + 'T00:00:00').getTime()) / 86400000);
      if (days < 30) continue;
      const urgency = days > 120 ? 'high' : days > 60 ? 'medium' : 'low';
      const sym = ({ USD: '$', JPY: '¥', EUR: '€', GBP: '£' })[inv.currency || 'USD'] || (inv.currency + ' ');
      const amt = inv.amount_native != null
        ? sym + (inv.currency === 'JPY' ? Math.round(inv.amount_native).toLocaleString() : inv.amount_native.toLocaleString())
        : '?';
      out.push({
        id: 'ht_unpaid_inv_' + inv.id,
        group: 'health', urgency, icon: '🧾',
        title: 'Unpaid invoice from ' + inv.date + ' · ' + amt,
        body: (inv.provider || 'Provider unknown') + ' · ' + days + ' days old. ' +
          'Pay it or mark paid in Health Tracker if already settled.',
        module: 'health-tracker', snoozable: true,
      });
    }
    return out;
  }

  // Insurance claims that have been submitted but stuck. Different
  // from genPendingReimbursement (broader): this checks denial status
  // explicitly and surfaces "denied" claims so they don't get forgotten.
  function genInsuranceClaimsDenied() {
    const out = [];
    for (const inv of getInvoices()) {
      if (inv.reimbursement_status !== 'denied') continue;
      out.push({
        id: 'ht_claim_denied_' + inv.id,
        group: 'health', urgency: 'high', icon: '✗',
        title: 'Insurance claim denied — ' + (inv.provider || 'Provider'),
        body: 'Invoice from ' + inv.date + '. Review the denial reason, appeal if appropriate, or mark this paid/closed.',
        module: 'health-tracker', snoozable: true,
      });
    }
    return out;
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id,
    label_en: 'Health Tracker',
    label_jp: 'ヘルストラッカー',
    render,
  };

  window.TB.healthTracker = {
    getExams, upsertExam, deleteExam,
    getMeds, upsertMed, deleteMed,
    getCarePlan, setCarePlan,
    getDental, setDental,
    trendForLabTest, allLabTests, computeScreeningsDue,
    latestExam, latestExamOfType,
    latestExamWithBloodPanel, examHasBloodPanel, isBloodPanelLab,
    // Episodes + invoices public API
    getEpisodes, upsertEpisode, deleteEpisode,
    getInvoices, upsertInvoice, deleteInvoice,
    examsForEpisode, medicationsForEpisode, invoicesForEpisode,
    totalCostForEpisode,
    actionGenerators: [
      genAnnualPhysicalDue, genDentalCleaningDue, genMedRefillDue,
      genScreeningsOverdue, genAbnormalLabFlags,
      genActiveEpisodeEmpty, genPendingReimbursement,
      // v0.57 cross-module rollup additions
      genDentalNoteActionItems, genInsuranceCardExpiring,
      genDentalAppointmentsUpcoming, genUnpaidInvoicesOld,
      genInsuranceClaimsDenied,
    ],
  };
})();

</script>
  <script data-source="scripts/modules/contacts.js">
/* Taigan Bridge — modules/contacts.js
 *
 * Contacts — unified address book that pulls together every contact
 * that's anywhere in the user's Taigan Bridge state, plus a set of
 * built-in contacts derived from their onboarding (VA for veterans,
 * US Embassy Tokyo for JP-resident citizens, etc.), plus manually-
 * entered personal contacts (family, professionals, friends).
 *
 * Design:
 *   • Auto-derived contacts are NEVER stored — they re-compute on
 *     every render so changes elsewhere flow through immediately.
 *   • Manual contacts live at `contacts.entries`.
 *   • Each contact has an "✨ Enhance with AI" button that calls
 *     TB.ai.callClaudeForProviderEnrichment to fill missing fields
 *     from public knowledge (website, phone, hours, address).
 *   • Built-in onboarding-driven contacts are tagged `builtin: true`
 *     so they can't be deleted (only dismissed via settings).
 *   • Categories: emergency, family, medical, dental, insurance,
 *     financial, military_va, us_government, japan_government,
 *     professional, personal.
 */

(function () {
  'use strict';

  const id = 'contacts';

  // ====================================================================
  // Categories
  // ====================================================================
  // Order = display order on the page. Each category has an icon +
  // i18n key suffix (resolved as ht-style 'contacts.cat.<id>').
  const CATEGORIES = [
    { id: 'emergency',          icon: '🚨', accent: 'var(--tb-error)' },
    { id: 'family',             icon: '👨‍👩‍👧', accent: 'var(--tb-track-family, var(--tb-track-health))' },
    { id: 'medical',            icon: '🏥', accent: 'var(--tb-track-health)' },
    { id: 'dental',             icon: '🦷', accent: '#a87fbf' },
    { id: 'insurance',          icon: '🛡️', accent: 'var(--tb-track-health)' },
    { id: 'financial',          icon: '🏦', accent: 'var(--tb-track-fbar, var(--tb-track-health))' },
    { id: 'military_va',        icon: '🪖', accent: 'var(--tb-track-veteran, var(--tb-warn))' },
    { id: 'us_government',      icon: '🇺🇸', accent: 'var(--tb-text)' },
    { id: 'japan_government',   icon: '🇯🇵', accent: 'var(--tb-text)' },
    { id: 'professional',       icon: '💼', accent: 'var(--tb-track-ai)' },
    { id: 'personal',           icon: '👥', accent: 'var(--tb-text-soft)' },
  ];

  // ====================================================================
  // State accessors — manual contacts only. Auto-derived live in code.
  // ====================================================================
  function getManualContacts() { return TB.state.get('contacts.entries') || []; }
  function setManualContacts(arr) { TB.state.set('contacts.entries', arr); }
  function upsertManualContact(c) {
    const arr = getManualContacts().slice();
    const i = arr.findIndex((x) => x.id === c.id);
    c.updated_at = new Date().toISOString();
    if (i >= 0) arr[i] = c;
    else arr.push(c);
    setManualContacts(arr);
  }
  function deleteManualContact(cid) {
    setManualContacts(getManualContacts().filter((x) => x.id !== cid));
  }
  // Dismissed built-ins (user explicitly hid them) — keyed by id
  function getDismissed() { return TB.state.get('contacts.dismissed') || {}; }
  function setDismissedFlag(cid, val) {
    const m = getDismissed();
    if (val) m[cid] = true; else delete m[cid];
    TB.state.set('contacts.dismissed', m);
  }

  // ====================================================================
  // Auto-derivation from every other module's state
  // ====================================================================
  //
  // Walks all relevant state and returns a flat array of contact
  // entries with `auto: true`. Each entry knows its `source` so we
  // can render a small back-ref pill ("from Assets · Sony Bank account").
  // No persistence — runs fresh every render.
  function deriveAutoContacts() {
    const out = [];

    // ─── Asset accounts → financial contacts
    const accts = TB.state.get('assets.accounts') || [];
    const seenInstitutions = new Set();
    for (const a of accts) {
      const inst = (a.institution || '').trim();
      if (!inst) continue;
      const key = (inst + '|' + (a.country || '')).toLowerCase();
      if (seenInstitutions.has(key)) continue;
      seenInstitutions.add(key);
      out.push({
        id: 'auto-assets-' + key.replace(/[^a-z0-9]+/g, '-'),
        category: 'financial',
        name: inst,
        organization: inst,
        country: a.country || null,
        type: labelForAccount(a),
        phone: a.support_phone || '',
        email: a.support_email || '',
        website: a.website || '',
        address: a.address || '',
        notes: a.support_notes || a.notes || '',
        source: 'assets',
        source_label_en: 'Asset accounts',
        source_label_jp: '資産口座',
        source_count: 1,
        auto: true,
      });
    }
    // Bump count when multiple accounts share an institution
    for (const a of accts) {
      const inst = (a.institution || '').trim();
      if (!inst) continue;
      const id = 'auto-assets-' + (inst + '|' + (a.country || '')).toLowerCase().replace(/[^a-z0-9]+/g, '-');
      const c = out.find((x) => x.id === id);
      if (c) c.source_count = (c.source_count || 1);
    }

    // ─── Dental providers → dental contacts
    const dental = TB.state.get('health_tracker.dental') || {};
    for (const p of (dental.providers || [])) {
      out.push({
        id: 'auto-dental-' + p.id,
        category: 'dental',
        name: p.name_en || p.name_jp || '?',
        name_jp: p.name_jp || '',
        organization: p.name_en || p.name_jp || '?',
        type: p.type || (TB.i18n.getLang() === 'ja' ? '歯科' : 'Dental'),
        phone: p.phone || '',
        email: p.email || '',
        website: p.website || '',
        address: p.address || '',
        hours: p.hours || '',
        notes: p.notes || '',
        source: 'dental',
        source_label_en: 'Dental providers',
        source_label_jp: '歯科受診先',
        source_ref: p.id,
        ai_enriched_at: p.ai_enriched_at || null,
        auto: true,
      });
    }

    // ─── Insurance cards → insurance contacts
    const insSummary = TB.state.get('health_tracker.insurance_summary') || {};
    for (const c of (insSummary.cards || [])) {
      if (!c.insurer && !c.plan_name) continue;
      const phones = [
        { label_en: 'Customer service',  label_jp: 'カスタマーサービス', value: c.customer_service_phone },
        { label_en: 'Member services',   label_jp: '会員サービス',       value: c.member_services_phone },
        { label_en: 'Claims',            label_jp: '請求受付',           value: c.claims_phone },
        { label_en: 'Pharmacy help',     label_jp: '薬局サポート',       value: c.pharmacy_help_phone },
        { label_en: 'Provider services', label_jp: '医療機関窓口',       value: c.provider_services_phone },
        { label_en: 'Emergency / 24/7',  label_jp: '救急 / 24 時間',     value: c.emergency_phone },
        { label_en: 'Nurse line',        label_jp: 'ナースライン',       value: c.nurse_line_phone },
        { label_en: 'Mental health',     label_jp: 'メンタルヘルス',     value: c.mental_health_phone },
      ].filter((p) => p.value);
      out.push({
        id: 'auto-insurance-' + c.id,
        category: 'insurance',
        name: c.insurer || c.plan_name,
        organization: [c.insurer, c.plan_name].filter(Boolean).join(' — '),
        type: c.card_type === 'dental' ? 'Dental insurance'
            : c.card_type === 'vision' ? 'Vision insurance'
            : c.card_type === 'prescription' ? 'Prescription'
            : c.network_type || 'Health insurance',
        phone: c.customer_service_phone || c.member_services_phone || c.claims_phone || '',
        phones,  // multi-phone display
        email: c.email || '',
        website: c.member_portal || c.claims_website || '',
        secondary_website: c.member_portal && c.claims_website && c.member_portal !== c.claims_website ? c.claims_website : '',
        address: c.claims_address || '',
        mobile_app: c.mobile_app || '',
        notes: [c.coverage_areas ? 'Coverage: ' + c.coverage_areas : '',
                c.network_type ? 'Network: ' + c.network_type : ''].filter(Boolean).join('\n'),
        source: 'insurance',
        source_label_en: 'Insurance cards',
        source_label_jp: '保険証',
        source_ref: c.id,
        auto: true,
      });
    }

    // ─── Medical exam providers → medical contacts
    //
    // Group by FACILITY (clinic) when present — multiple exams at the
    // same clinic with different doctors should produce ONE contact
    // for the clinic, with all the doctors listed as practitioners.
    // Falls back to provider name when no facility is given.
    //
    // Match-key normalization handles real-world fuzz: trailing
    // "Clinic / 医院 / クリニック", hyphen vs. space, half/full-width
    // punctuation. So "Sakura Yoyogi Clinic" and "Sakura
    // Yoyogi-Clinic" collapse to one group. Cross-language
    // mismatches (English-only on one exam, Japanese-only on another)
    // still won't collapse here — Claude provider enrichment fills in
    // the missing-language name, which then unifies subsequent passes.
    const exams = TB.state.get('health_tracker.exams') || [];
    function medGroupKey(s) {
      return String(s || '')
        .toLowerCase()
        // strip whitespace, hyphens, full/half-width separators, commas
        .replace(/[\s\-‐−ー－,，、・]+/g, '')
        // drop common clinic-suffix variations so "Foo Clinic" and "Foo"
        // collapse — they're the same place on different paperwork
        .replace(/(clinic|hospital|医院|病院|クリニック)$/i, '');
    }
    const medByKey = new Map();
    for (const e of exams) {
      const provider = (e.provider || '').trim();
      const facility = (e.facility || '').trim();
      if (!provider && !facility) continue;
      const groupName = facility || provider;
      const key = medGroupKey(groupName);
      if (!key) continue; // pure punctuation / empty after normalization
      if (!medByKey.has(key)) {
        medByKey.set(key, {
          name: groupName,
          facility: facility || '',
          practitioners: new Set(),
          exam_ids: [],
          latest_date: e.date || '',
        });
      }
      const rec = medByKey.get(key);
      // Only add provider to practitioners if it's clearly a person
      // (different from the facility name). Some exams use the clinic
      // name in the provider field — don't list a clinic as a doctor.
      if (provider && provider !== facility && provider !== groupName) {
        rec.practitioners.add(provider);
      }
      rec.exam_ids.push(e.id);
      if (e.date && e.date > rec.latest_date) rec.latest_date = e.date;
      // Prefer the longest name variant we've seen for display — a
      // later exam may have a more complete name (e.g., adds "Clinic"
      // back, or adds the city qualifier).
      if (groupName.length > rec.name.length) rec.name = groupName;
      if (facility && facility.length > rec.facility.length) rec.facility = facility;
    }
    medByKey.forEach((rec, key) => {
      // Don't duplicate when already captured as a dental provider.
      // Compare using the same normalization so "Foo Clinic" (dental)
      // and "Foo" (medical exam, no suffix) deduplicate correctly.
      const dupOfDental = (dental.providers || []).some((p) =>
        (p.name_en && medGroupKey(p.name_en) === key) ||
        (p.name_jp && medGroupKey(p.name_jp) === key)
      );
      if (dupOfDental) return;
      const doctors = Array.from(rec.practitioners);
      const lang = TB.i18n.getLang();
      out.push({
        id: 'auto-exam-' + key.replace(/[^a-z0-9]+/g, '-'),
        category: 'medical',
        name: rec.name,
        organization: rec.facility || rec.name,
        type: lang === 'ja' ? '医療機関' : 'Medical provider',
        practitioners: doctors,
        // Practitioners render as their own row below the source pill;
        // don't duplicate them into the notes blob.
        notes: '',
        source: 'exams',
        source_label_en: 'Medical exams',
        source_label_jp: '受診記録',
        source_count: rec.exam_ids.length,
        auto: true,
      });
    });

    // ─── Family members → family contacts
    const familyMembers = TB.state.get('family.members') || [];
    for (const m of familyMembers) {
      const name = m.name || m.display_name || '';
      if (!name) continue;
      out.push({
        id: 'auto-family-' + (m.id || name).replace(/[^a-z0-9]+/gi, '-'),
        category: 'family',
        name,
        type: m.relationship || (TB.i18n.getLang() === 'ja' ? '家族' : 'Family'),
        phone: m.phone || '',
        email: m.email || '',
        address: m.address || '',
        birth_year: m.birth_year || null,
        notes: m.notes || '',
        is_emergency: !!m.is_emergency_contact,
        source: 'family',
        source_label_en: 'Family members',
        source_label_jp: '家族メンバー',
        source_ref: m.id || name,
        auto: true,
      });
    }

    // ─── Consultations (CPA, lawyers, tax advisors) → professional contacts
    const consults = TB.state.get('consultations.entries') || [];
    const seenConsultants = new Set();
    for (const c of consults) {
      const name = c.consultant_name || c.name || c.contact_name || '';
      if (!name) continue;
      const key = name.toLowerCase();
      if (seenConsultants.has(key)) continue;
      seenConsultants.add(key);
      out.push({
        id: 'auto-consult-' + key.replace(/[^a-z0-9]+/g, '-'),
        category: 'professional',
        name,
        organization: c.firm || c.organization || '',
        type: c.role || c.consultant_type || (TB.i18n.getLang() === 'ja' ? '顧問' : 'Advisor'),
        phone: c.phone || c.contact_phone || '',
        email: c.email || c.contact_email || '',
        website: c.website || '',
        address: c.address || '',
        notes: c.notes || '',
        source: 'consultations',
        source_label_en: 'Consultations',
        source_label_jp: '相談履歴',
        source_ref: c.id,
        auto: true,
      });
    }

    // ─── Built-in onboarding-derived contacts
    deriveBuiltinContacts(out);

    return out;
  }

  // Onboarding-derived hardcoded contacts. The set surfaces based on
  // the user's profile state: veteran, SOFA, in_japan, citizenship.
  // Each is tagged `builtin: true` and dismissable via
  // `contacts.dismissed`.
  //
  // Field names mirror what the onboarding (src/content/inline.js)
  // actually stores in TB.state.get('onboarding.answers'):
  //   in_japan:     'yes' | 'partial' | 'planning' | 'no'
  //   visa:         'sofa' | 'spouse_jp' | 'work' | 'permanent' | 'long_term' | 'other'
  //   citizenship:  'us_only' | 'us_dual' | 'us_lpr' | 'us_jp_dual'
  //   veteran:      'no' | 'active' | 'reserve_ng' | 'retired' | 'separated_no_dis' | 'separated_with_dis'
  //   employment:   'dod_active' | 'dod_civilian' | 'dod_contractor' | ...
  function deriveBuiltinContacts(out) {
    const a = TB.state.get('onboarding.answers') || {};
    const dismissed = getDismissed();
    function push(c) {
      if (dismissed[c.id]) return;
      out.push(c);
    }

    // ─── Derived flags from onboarding answers
    const inJapan = a.in_japan === 'yes' || a.in_japan === 'partial' ||
      a.in_japan === 'planning';
    const isJPResident = a.in_japan === 'yes' || a.in_japan === 'partial';
    const isUSCitizen = typeof a.citizenship === 'string' &&
      a.citizenship.startsWith('us_');
    const isVeteran = a.veteran && a.veteran !== 'no';
    const isSofa = a.visa === 'sofa' || a.employment === 'dod_active' ||
      a.employment === 'dod_civilian' || a.employment === 'dod_contractor';
    const isUSResident = a.in_japan === 'no' && isUSCitizen;

    // ─── Emergency numbers — Japan
    if (inJapan) {
      push({
        id: 'builtin-emergency-jp-110',
        category: 'emergency',
        name: 'Police (警察)',
        type: 'Emergency · Japan',
        phone: '110',
        notes: 'Free from any phone. English support varies — say "English please".',
        source: 'builtin',
        source_label_en: 'Built-in · Japan',
        source_label_jp: '組込・日本',
        auto: true, builtin: true,
      });
      push({
        id: 'builtin-emergency-jp-119',
        category: 'emergency',
        name: 'Fire / Ambulance (消防・救急)',
        type: 'Emergency · Japan',
        phone: '119',
        notes: 'Free from any phone. Say "救急車" for ambulance, "火事" for fire.',
        source: 'builtin', source_label_en: 'Built-in · Japan', source_label_jp: '組込・日本',
        auto: true, builtin: true,
      });
      push({
        id: 'builtin-emergency-jp-7119',
        category: 'emergency',
        name: 'Medical Advice (救急安心センター)',
        type: 'Non-emergency · Japan',
        phone: '#7119',
        notes: 'Tokyo / major-city non-emergency medical advice line.',
        source: 'builtin', source_label_en: 'Built-in · Japan', source_label_jp: '組込・日本',
        auto: true, builtin: true,
      });
      push({
        id: 'builtin-emergency-jp-aminet',
        category: 'emergency',
        name: 'AMINET English Helpline',
        type: 'English medical · Japan',
        phone: '03-5774-0992',
        website: 'https://himawari.metro.tokyo.lg.jp/qq/qq13enmnlt.asp',
        notes: 'Tokyo Metro government English-language medical info / interpretation.',
        source: 'builtin', source_label_en: 'Built-in · Japan', source_label_jp: '組込・日本',
        auto: true, builtin: true,
      });
    }
    if (isUSResident) {
      push({
        id: 'builtin-emergency-us-911',
        category: 'emergency',
        name: 'Emergency (911)',
        type: 'Emergency · US',
        phone: '911',
        notes: 'Police, fire, ambulance.',
        source: 'builtin', source_label_en: 'Built-in · US', source_label_jp: '組込・米国',
        auto: true, builtin: true,
      });
      push({
        id: 'builtin-emergency-us-988',
        category: 'emergency',
        name: 'Suicide & Crisis Lifeline (988)',
        type: 'Crisis · US',
        phone: '988',
        website: 'https://988lifeline.org',
        notes: 'Mental health crisis hotline. Call or text 988.',
        source: 'builtin', source_label_en: 'Built-in · US', source_label_jp: '組込・米国',
        auto: true, builtin: true,
      });
      push({
        id: 'builtin-emergency-us-poison',
        category: 'emergency',
        name: 'Poison Control (1-800-222-1222)',
        type: 'Poison · US',
        phone: '1-800-222-1222',
        website: 'https://www.poison.org',
        notes: 'AAPCC nationwide poison control hotline.',
        source: 'builtin', source_label_en: 'Built-in · US', source_label_jp: '組込・米国',
        auto: true, builtin: true,
      });
    }

    // ─── Veteran-derived (any non-'no' veteran status)
    if (isVeteran) {
      push({
        id: 'builtin-va-main',
        category: 'military_va',
        name: 'US Department of Veterans Affairs (VA)',
        organization: 'VA',
        type: 'Federal · Benefits',
        phone: '1-800-827-1000',
        website: 'https://www.va.gov',
        notes: 'Main benefits info line — claims, appointments, healthcare. Mon-Fri 8am-9pm ET.',
        source: 'builtin', source_label_en: 'Built-in · Veteran', source_label_jp: '組込・退役軍人',
        auto: true, builtin: true,
      });
      push({
        id: 'builtin-va-fmp',
        category: 'military_va',
        name: 'VA Foreign Medical Program (FMP)',
        organization: 'VA / FMP',
        type: 'Federal · Healthcare abroad',
        phone: '+1-303-331-7590',
        email: 'hac.fmp@va.gov',
        website: 'https://www.va.gov/communitycare/programs/veterans/fmp/index.asp',
        notes: 'VA healthcare program for veterans living outside the US. Pre-authorization required for non-emergency care.',
        source: 'builtin', source_label_en: 'Built-in · Veteran', source_label_jp: '組込・退役軍人',
        auto: true, builtin: true,
      });
      push({
        id: 'builtin-deers',
        category: 'military_va',
        name: 'DEERS / DMDC',
        organization: 'Defense Manpower Data Center',
        type: 'Federal · Eligibility',
        phone: '1-800-538-9552',
        website: 'https://www.dmdc.osd.mil/milconnect',
        notes: 'Defense Enrollment Eligibility Reporting System. Update dependent records, get ID cards.',
        source: 'builtin', source_label_en: 'Built-in · Veteran', source_label_jp: '組込・退役軍人',
        auto: true, builtin: true,
      });
      push({
        id: 'builtin-tricare-overseas',
        category: 'military_va',
        name: 'TRICARE Overseas (Pacific)',
        organization: 'TRICARE',
        type: 'Federal · Healthcare',
        phone: '+81-3-3559-2148',
        website: 'https://www.tricare-overseas.com',
        notes: 'TRICARE Overseas Pacific contractor. Stateside toll-free: 1-877-988-9378.',
        source: 'builtin', source_label_en: 'Built-in · Veteran', source_label_jp: '組込・退役軍人',
        auto: true, builtin: true,
      });
      push({
        id: 'builtin-mypay',
        category: 'military_va',
        name: 'myPay / DFAS',
        organization: 'Defense Finance and Accounting Service',
        type: 'Federal · Pay',
        phone: '1-888-332-7411',
        website: 'https://mypay.dfas.mil',
        notes: 'Military / VA / federal civilian pay statements + W-2s + 1099-R for retirees.',
        source: 'builtin', source_label_en: 'Built-in · Veteran', source_label_jp: '組込・退役軍人',
        auto: true, builtin: true,
      });
    }

    // ─── US citizens living in Japan — federal services
    if (isUSCitizen && isJPResident) {
      push({
        id: 'builtin-us-embassy-tokyo',
        category: 'us_government',
        name: 'US Embassy Tokyo',
        organization: 'US Department of State',
        type: 'Federal · Consular',
        phone: '+81-3-3224-5000',
        website: 'https://jp.usembassy.gov',
        address: '1-10-5 Akasaka, Minato-ku, Tokyo 107-8420',
        notes: 'American Citizen Services, passport renewals, voting, federal benefits, notarial services.',
        source: 'builtin', source_label_en: 'Built-in · US citizen abroad', source_label_jp: '組込・在外米国市民',
        auto: true, builtin: true,
      });
      push({
        id: 'builtin-ssa-fbu-manila',
        category: 'us_government',
        name: 'SSA Federal Benefits Unit (Manila)',
        organization: 'Social Security Administration',
        type: 'Federal · Benefits',
        phone: '+63-2-5301-2000',
        email: 'FBU.Manila@ssa.gov',
        website: 'https://ph.usembassy.gov/u-s-citizen-services/social-security',
        notes: 'SSA office serving US citizens in Japan. Handles benefits, SSA-7162, IDs.',
        source: 'builtin', source_label_en: 'Built-in · US citizen abroad', source_label_jp: '組込・在外米国市民',
        auto: true, builtin: true,
      });
      push({
        id: 'builtin-irs-intl',
        category: 'us_government',
        name: 'IRS International Taxpayer Service',
        organization: 'Internal Revenue Service',
        type: 'Federal · Tax',
        phone: '+1-267-941-1000',
        website: 'https://www.irs.gov/individuals/international-taxpayers',
        notes: 'Tax help for US persons abroad. Mon-Fri 6am-11pm ET. Not toll-free.',
        source: 'builtin', source_label_en: 'Built-in · US citizen abroad', source_label_jp: '組込・在外米国市民',
        auto: true, builtin: true,
      });
      push({
        id: 'builtin-fbar-bsa',
        category: 'us_government',
        name: 'FinCEN BSA E-Filing Help Desk',
        organization: 'FinCEN',
        type: 'Federal · FBAR',
        phone: '+1-866-346-9478',
        email: 'BSAEFilingHelp@fincen.gov',
        website: 'https://bsaefiling.fincen.treas.gov',
        notes: 'FBAR (FinCEN 114) e-filing support.',
        source: 'builtin', source_label_en: 'Built-in · US citizen abroad', source_label_jp: '組込・在外米国市民',
        auto: true, builtin: true,
      });
    }

    // ─── Japan residents — government services
    if (isJPResident) {
      push({
        id: 'builtin-jp-immigration',
        category: 'japan_government',
        name: 'Immigration Services Agency (出入国在留管理庁)',
        organization: '法務省',
        type: '日本 · Immigration',
        phone: '0570-013-904',
        website: 'https://www.moj.go.jp/isa/',
        notes: 'Information Center for immigration/residence-card matters. English support available.',
        source: 'builtin', source_label_en: 'Built-in · Japan resident', source_label_jp: '組込・日本居住者',
        auto: true, builtin: true,
      });
      push({
        id: 'builtin-jp-nta',
        category: 'japan_government',
        name: 'National Tax Agency (国税庁)',
        organization: 'NTA',
        type: '日本 · Tax',
        website: 'https://www.nta.go.jp',
        notes: 'Tax filing (確定申告), Furusato Nozei certificates, NTA tax-advice consultation hotline by 国税局 region.',
        source: 'builtin', source_label_en: 'Built-in · Japan resident', source_label_jp: '組込・日本居住者',
        auto: true, builtin: true,
      });
      push({
        id: 'builtin-jp-mhlw-pensions',
        category: 'japan_government',
        name: 'Japan Pension Service (日本年金機構)',
        organization: '日本年金機構',
        type: '日本 · Pension',
        phone: '0570-05-1165',
        website: 'https://www.nenkin.go.jp',
        notes: 'Nenkin (kokumin nenkin / kosei nenkin) inquiries, totalization, lump-sum withdrawal (脱退一時金).',
        source: 'builtin', source_label_en: 'Built-in · Japan resident', source_label_jp: '組込・日本居住者',
        auto: true, builtin: true,
      });
    }
  }

  function labelForAccount(a) {
    const wrapper = a.tax_wrapper || a.account_type || '';
    if (!wrapper) return TB.i18n.getLang() === 'ja' ? '金融機関' : 'Financial institution';
    return wrapper;
  }

  // ====================================================================
  // Public lookup — used by other modules to surface their contacts
  // ====================================================================
  function getAllContacts() {
    const manual = getManualContacts().map((c) => Object.assign({}, c, { auto: false }));
    const auto = deriveAutoContacts();
    // Avoid showing both auto + manual for the same conceptual entity
    // when a manual entry has the same source linkage as an auto.
    const manualSourceKeys = new Set(manual.map((m) => m.linked_source || '').filter(Boolean));
    const autoFiltered = auto.filter((a) =>
      !manualSourceKeys.has(a.source + ':' + (a.source_ref || a.id)));
    return manual.concat(autoFiltered);
  }
  function getContactsByCategory(catId) {
    return getAllContacts().filter((c) => c.category === catId);
  }

  // ====================================================================
  // Render
  // ====================================================================
  let host = null;
  function render(container) {
    host = container;
    container.innerHTML = '';
    container.appendChild(buildHeaderCard());
    container.appendChild(buildSearchCard());
    const all = getAllContacts();
    const term = ((TB.state.get('contacts.search') || '') + '').toLowerCase().trim();
    const filtered = term ? all.filter((c) => matchesSearch(c, term)) : all;
    // Group by category
    const byCat = {};
    for (const c of filtered) {
      const cat = c.category || 'personal';
      if (!byCat[cat]) byCat[cat] = [];
      byCat[cat].push(c);
    }
    // Render each category in declared order
    for (const cat of CATEGORIES) {
      const items = byCat[cat.id];
      if (!items || items.length === 0) continue;
      container.appendChild(buildCategoryPanel(cat, items));
    }
    // Catch-all for any contact with an unknown/missing category
    const catSet = new Set(CATEGORIES.map((c) => c.id));
    const extras = Object.keys(byCat).filter((k) => !catSet.has(k));
    if (extras.length > 0) {
      for (const k of extras) {
        container.appendChild(buildCategoryPanel({ id: k, icon: '📞', accent: 'var(--tb-text-soft)' }, byCat[k]));
      }
    }
    if (filtered.length === 0) {
      container.appendChild(TB.utils.el('div', { class: 'tb-card' },
        TB.utils.el('p', { class: 'tb-field-help', style: { textAlign: 'center' } },
          term ? TB.i18n.t('contacts.search.none') : TB.i18n.t('contacts.empty.body')),
      ));
    }
  }
  function rerender() { if (host) render(host); }

  function matchesSearch(c, term) {
    const fields = [c.name, c.name_jp, c.organization, c.type, c.phone, c.email, c.website, c.address, c.notes];
    for (const f of fields) {
      if (f && String(f).toLowerCase().includes(term)) return true;
    }
    if (Array.isArray(c.phones)) {
      for (const p of c.phones) {
        if (p.value && String(p.value).toLowerCase().includes(term)) return true;
      }
    }
    return false;
  }

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card' });
    const titleRow = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'flex-start',
        gap: 'var(--tb-sp-3)', flexWrap: 'wrap' },
    });
    titleRow.appendChild(el('div', null,
      el('h1', { style: { margin: 0 } }, '📇 ' + t('contacts.title')),
      el('p', { class: 'tb-card-meta', style: { margin: '4px 0 0' } }, t('contacts.intro')),
    ));
    titleRow.appendChild(el('button', {
      class: 'tb-btn', type: 'button',
      onclick: () => openContactEditModal(null),
    }, '+ ' + t('contacts.add')));
    card.appendChild(titleRow);
    // Stats — count by category
    const all = getAllContacts();
    const stats = el('div', {
      style: { display: 'flex', gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
        marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)' },
    });
    stats.appendChild(el('div', null,
      el('span', { style: { fontWeight: '700', fontFamily: 'var(--tb-font-mono)', fontSize: '18px', color: 'var(--tb-track-health)' } },
        String(all.length)),
      el('span', { class: 'tb-card-meta', style: { marginLeft: '6px' } }, t('contacts.stats.total')),
    ));
    const autoCount = all.filter((c) => c.auto).length;
    const manualCount = all.length - autoCount;
    stats.appendChild(el('div', null,
      el('span', { style: { fontWeight: '700', fontFamily: 'var(--tb-font-mono)', fontSize: '18px' } },
        String(autoCount)),
      el('span', { class: 'tb-card-meta', style: { marginLeft: '6px' } }, t('contacts.stats.auto')),
    ));
    stats.appendChild(el('div', null,
      el('span', { style: { fontWeight: '700', fontFamily: 'var(--tb-font-mono)', fontSize: '18px' } },
        String(manualCount)),
      el('span', { class: 'tb-card-meta', style: { marginLeft: '6px' } }, t('contacts.stats.manual')),
    ));
    card.appendChild(stats);
    return card;
  }

  function buildSearchCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const wrap = el('div', { class: 'tb-card', style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)' } });
    const cur = TB.state.get('contacts.search') || '';
    const input = el('input', {
      type: 'text', class: 'tb-input', placeholder: t('contacts.search.placeholder'),
      value: cur,
      oninput: (e) => {
        TB.state.set('contacts.search', e.target.value);
        // Defer rerender slightly to avoid laggy keystrokes
        clearTimeout(buildSearchCard._t);
        buildSearchCard._t = setTimeout(rerender, 150);
      },
    });
    wrap.appendChild(input);
    return wrap;
  }

  function buildCategoryPanel(cat, items) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', style: { borderLeft: '3px solid ' + cat.accent } });
    const head = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline',
        flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
    });
    head.appendChild(el('h3', { style: { margin: 0, color: cat.accent } },
      cat.icon + ' ' + t('contacts.cat.' + cat.id)));
    head.appendChild(el('span', { class: 'tb-card-meta', style: { fontSize: '11px' } },
      t('contacts.cat.count', { n: items.length })));
    card.appendChild(head);
    const list = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(280px, 1fr))',
        gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-2)' },
    });
    for (const c of items) list.appendChild(buildContactCard(c));
    card.appendChild(list);
    return card;
  }

  function buildContactCard(c) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const card = el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)',
        borderRadius: 'var(--tb-radius-2)',
        border: '1px solid var(--tb-border)',
        display: 'flex', flexDirection: 'column', gap: '6px',
      },
    });

    // Title row
    const titleRow = el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'flex-start', gap: '8px' },
    });
    titleRow.appendChild(el('div', { style: { flex: '1', minWidth: '0' } },
      el('div', { style: { fontWeight: '700' } }, c.name || '?'),
      c.name_jp && c.name_jp !== c.name
        ? el('div', { class: 'tb-card-meta', style: { fontSize: '11px' } }, c.name_jp)
        : null,
      c.type ? el('div', { class: 'tb-card-meta', style: { fontSize: '11px', marginTop: '2px' } }, c.type) : null,
    ));
    // Action buttons (top-right)
    const actions = el('div', { style: { display: 'flex', gap: '2px', flexShrink: '0' } });
    const hasKey = TB.ai && TB.ai.hasKey && TB.ai.hasKey();
    if (hasKey) {
      actions.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '2px 6px', fontSize: '11px', color: 'var(--tb-track-ai)' },
        title: t('contacts.enhance.help'),
        onclick: async (e) => { await enhanceContact(c, e.target); rerender(); },
      }, '✨'));
    }
    if (!c.builtin) {
      actions.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '2px 6px', fontSize: '11px' },
        onclick: () => openContactEditModal(c),
      }, '✎'));
    }
    if (c.builtin) {
      // Built-ins get a "hide" rather than "delete"
      actions.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '2px 6px', fontSize: '11px', color: 'var(--tb-text-soft)' },
        title: t('contacts.dismiss.help'),
        onclick: () => {
          if (!confirm(t('contacts.dismiss.confirm', { name: c.name }))) return;
          setDismissedFlag(c.id, true);
          rerender();
        },
      }, '×'));
    } else if (!c.auto) {
      actions.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '2px 6px', fontSize: '11px', color: 'var(--tb-error)' },
        onclick: () => {
          if (!confirm(t('contacts.delete.confirm', { name: c.name }))) return;
          deleteManualContact(c.id);
          rerender();
        },
      }, '×'));
    }
    titleRow.appendChild(actions);
    card.appendChild(titleRow);

    // Source pill — shows where this contact came from when auto
    if (c.auto && c.source) {
      const srcLabel = lang === 'ja' ? (c.source_label_jp || c.source) : (c.source_label_en || c.source);
      card.appendChild(el('span', {
        style: { fontSize: '10px', padding: '1px 6px', borderRadius: 'var(--tb-radius-pill)',
          background: 'rgba(46, 107, 92, 0.10)', color: 'var(--tb-text-soft)',
          fontWeight: '600', letterSpacing: '0.04em', textTransform: 'uppercase',
          alignSelf: 'flex-start' },
      }, (c.builtin ? '🔒 ' : '↩ ') + srcLabel +
         (c.source_count && c.source_count > 1 ? ' · ' + c.source_count + ' visits' : '')));
    }

    // Practitioners list — for medical clinics with multiple doctors
    if (Array.isArray(c.practitioners) && c.practitioners.length > 0) {
      card.appendChild(el('div', {
        style: { fontSize: 'var(--tb-fs-12)', display: 'flex', gap: '4px', flexWrap: 'wrap', alignItems: 'baseline' },
      },
        el('span', { class: 'tb-card-meta', style: { fontSize: '10px', textTransform: 'uppercase', letterSpacing: '0.04em' } },
          (lang === 'ja' ? '医師' : 'Doctors') + ':'),
        ...c.practitioners.map((doc, i) => el('span', {
          style: { fontWeight: '500' },
        }, doc + (i < c.practitioners.length - 1 ? ',' : ''))),
      ));
    }

    // Phone(s) — multi-line when insurance card has many
    if (Array.isArray(c.phones) && c.phones.length > 1) {
      for (const p of c.phones) {
        card.appendChild(buildPhoneRow(p.value, lang === 'ja' ? p.label_jp : p.label_en));
      }
    } else if (c.phone) {
      card.appendChild(buildPhoneRow(c.phone, null));
    }

    // Email
    if (c.email) {
      card.appendChild(el('div', { style: { fontSize: 'var(--tb-fs-12)' } },
        '✉ ',
        el('a', { href: 'mailto:' + c.email, style: { color: 'var(--tb-track-health)' } }, c.email),
      ));
    }
    // Website
    if (c.website) {
      const url = /^https?:\/\//.test(c.website) ? c.website : ('https://' + c.website);
      card.appendChild(el('div', { style: { fontSize: 'var(--tb-fs-12)' } },
        '🌐 ',
        el('a', { href: url, target: '_blank', rel: 'noopener noreferrer',
          style: { color: 'var(--tb-track-health)', wordBreak: 'break-all' } }, c.website),
      ));
    }
    // Secondary website (insurance claims website when different from member portal)
    if (c.secondary_website) {
      const url = /^https?:\/\//.test(c.secondary_website) ? c.secondary_website : ('https://' + c.secondary_website);
      card.appendChild(el('div', { style: { fontSize: 'var(--tb-fs-12)' } },
        '🌐 ',
        el('a', { href: url, target: '_blank', rel: 'noopener noreferrer',
          style: { color: 'var(--tb-track-health)', wordBreak: 'break-all' } }, c.secondary_website),
      ));
    }
    // Mobile app
    if (c.mobile_app) {
      card.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: '11px' } },
        '📱 ' + c.mobile_app));
    }
    // Hours
    if (c.hours) {
      card.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: '11px' } },
        '🕒 ' + c.hours));
    }
    // Address
    if (c.address) {
      card.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: '11px', whiteSpace: 'pre-wrap' } },
        '📍 ' + c.address));
    }
    // Notes
    if (c.notes) {
      card.appendChild(el('div', { class: 'tb-card-meta', style: { fontSize: '11px', whiteSpace: 'pre-wrap',
        marginTop: '4px', paddingTop: '4px', borderTop: '1px dashed var(--tb-border)' } },
        c.notes));
    }
    // AI-enriched indicator
    if (c.ai_enriched_at) {
      card.appendChild(el('div', {
        style: { fontSize: '10px', color: 'var(--tb-track-ai)', fontStyle: 'italic' },
      }, '✨ ' + t('contacts.aiEnriched', { date: c.ai_enriched_at.slice(0, 10) })));
    }
    return card;
  }

  function buildPhoneRow(phone, label) {
    const el = TB.utils.el;
    const tel = String(phone).replace(/[^\d+]/g, '');
    const row = el('div', { style: { fontSize: 'var(--tb-fs-12)' } });
    row.appendChild(el('span', null, '☎ '));
    row.appendChild(el('a', { href: 'tel:' + tel, style: { color: 'var(--tb-track-health)', fontFamily: 'var(--tb-font-mono)' } }, phone));
    if (label) {
      row.appendChild(el('span', { class: 'tb-card-meta', style: { marginLeft: '6px', fontSize: '10px' } },
        '· ' + label));
    }
    return row;
  }

  // ====================================================================
  // AI Enhance
  // ====================================================================
  async function enhanceContact(c, btn) {
    if (!TB.ai || typeof TB.ai.callClaudeForProviderEnrichment !== 'function') return;
    if (btn) { btn.disabled = true; btn.textContent = '⏳'; }
    try {
      const result = await TB.ai.callClaudeForProviderEnrichment({
        name_en: c.name, name_jp: c.name_jp || '', type: c.type,
        address: c.address || '', phone: c.phone || '',
      });
      const en = (result && result.extracted) || {};
      // For manual contacts, write back into the stored entry. For
      // auto contacts, we don't have a stored slot — so promote
      // the contact into a manual entry that supersedes the auto one.
      if (c.auto && !c.builtin) {
        const promoted = Object.assign({}, c, {
          id: 'cust-' + Date.now().toString(36) + '-' + Math.random().toString(36).slice(2, 6),
          auto: false,
          linked_source: c.source + ':' + (c.source_ref || c.id),
          ai_enriched_at: new Date().toISOString(),
          created_at: new Date().toISOString(),
        });
        if (!promoted.address && en.address) promoted.address = en.address;
        if (!promoted.phone && en.phone) promoted.phone = en.phone;
        if (!promoted.website && en.website) promoted.website = en.website;
        if (!promoted.hours && en.hours) promoted.hours = en.hours;
        if (!promoted.name_jp && en.name_jp) promoted.name_jp = en.name_jp;
        if (en.notes) {
          const cur = (promoted.notes || '').trim();
          const extra = 'Enhanced by AI: ' + en.notes;
          promoted.notes = cur ? cur + '\n\n' + extra : extra;
        }
        upsertManualContact(promoted);
      } else if (c.builtin) {
        alert(TB.i18n.t('contacts.enhance.builtinNote'));
      } else {
        const updated = Object.assign({}, c);
        if (!updated.address && en.address) updated.address = en.address;
        if (!updated.phone && en.phone) updated.phone = en.phone;
        if (!updated.website && en.website) updated.website = en.website;
        if (!updated.hours && en.hours) updated.hours = en.hours;
        if (!updated.name_jp && en.name_jp) updated.name_jp = en.name_jp;
        if (en.notes) {
          const cur = (updated.notes || '').trim();
          const extra = 'Enhanced by AI: ' + en.notes;
          updated.notes = cur ? cur + '\n\n' + extra : extra;
        }
        updated.ai_enriched_at = new Date().toISOString();
        upsertManualContact(updated);
      }
    } catch (err) {
      alert('AI enhance failed: ' + (err.message || err));
    } finally {
      if (btn) { btn.disabled = false; btn.textContent = '✨'; }
    }
  }

  // ====================================================================
  // Edit modal — manual contacts only
  // ====================================================================
  function openContactEditModal(existing) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const isEdit = !!existing;
    const draft = existing ? JSON.parse(JSON.stringify(existing)) : {
      id: 'cust-' + Date.now().toString(36) + '-' + Math.random().toString(36).slice(2, 6),
      category: 'personal',
      name: '', name_jp: '', organization: '', type: '',
      phone: '', email: '', website: '', address: '',
      hours: '', notes: '',
      is_emergency: false,
      created_at: new Date().toISOString(),
      updated_at: new Date().toISOString(),
    };
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '640px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      '📇 ' + (isEdit ? t('contacts.edit') : t('contacts.add.title'))));

    // Category
    modal.appendChild(field(t('contacts.field.category'), el('select', {
      class: 'tb-select',
      onchange: (e) => { draft.category = e.target.value; },
    },
      ...CATEGORIES.map((cat) => el('option', { value: cat.id, selected: draft.category === cat.id },
        cat.icon + ' ' + t('contacts.cat.' + cat.id))),
    )));

    // Names (EN + JP)
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('contacts.field.name'), textInput(draft.name, (v) => draft.name = v)),
      field(t('contacts.field.nameJp'), textInput(draft.name_jp, (v) => draft.name_jp = v)),
    ));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('contacts.field.organization'), textInput(draft.organization, (v) => draft.organization = v)),
      field(t('contacts.field.type'), textInput(draft.type, (v) => draft.type = v),
        t('contacts.field.type.help')),
    ));

    // Contact info
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('contacts.field.phone'), textInput(draft.phone, (v) => draft.phone = v)),
      field(t('contacts.field.email'), textInput(draft.email, (v) => draft.email = v)),
    ));
    modal.appendChild(el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } },
      field(t('contacts.field.website'), textInput(draft.website, (v) => draft.website = v)),
      field(t('contacts.field.hours'), textInput(draft.hours, (v) => draft.hours = v)),
    ));
    modal.appendChild(field(t('contacts.field.address'),
      textareaInput(draft.address, (v) => draft.address = v)));

    // Emergency contact flag
    modal.appendChild(el('label', {
      style: { display: 'flex', alignItems: 'center', gap: '8px', cursor: 'pointer', marginTop: 'var(--tb-sp-2)' },
    },
      el('input', {
        type: 'checkbox', checked: !!draft.is_emergency,
        onchange: (e) => { draft.is_emergency = !!e.target.checked; },
      }),
      el('span', null, '🚨 ' + t('contacts.field.emergency')),
    ));

    modal.appendChild(field(t('contacts.field.notes'),
      textareaInput(draft.notes, (v) => draft.notes = v)));

    // Buttons
    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'space-between', marginTop: 'var(--tb-sp-4)' } });
    if (isEdit && !draft.auto) {
      btnRow.appendChild(el('button', {
        class: 'tb-btn tb-btn--danger', type: 'button',
        onclick: () => {
          if (!confirm(t('contacts.delete.confirm', { name: draft.name }))) return;
          deleteManualContact(draft.id);
          close();
          rerender();
        },
      }, t('contacts.delete')));
    } else btnRow.appendChild(el('span'));
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close },
      t('contacts.cancel')));
    right.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => {
        if (!draft.name || !draft.name.trim()) {
          alert(t('contacts.field.name.required'));
          return;
        }
        upsertManualContact(draft);
        close();
        rerender();
      },
    }, t('contacts.save')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ====================================================================
  // Small DOM helpers (mirror health-tracker.js for consistency)
  // ====================================================================
  function field(label, input, help) {
    const el = TB.utils.el;
    return el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label' }, label),
      input,
      help ? el('div', { class: 'tb-field-help' }, help) : null,
    );
  }
  function textInput(value, onchange) {
    const el = TB.utils.el;
    return el('input', {
      type: 'text', class: 'tb-input', value: value || '',
      oninput: (e) => onchange(e.target.value),
    });
  }
  function textareaInput(value, onchange) {
    const el = TB.utils.el;
    return el('textarea', {
      class: 'tb-textarea', rows: 3, value: value || '',
      oninput: (e) => onchange(e.target.value),
    });
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================
  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id,
    label_en: 'Contacts',
    label_jp: '連絡先',
    render,
  };
  window.TB.contacts = {
    getAllContacts, getContactsByCategory,
    CATEGORIES,
    upsertManualContact, deleteManualContact,
  };
})();

</script>
  <script data-source="scripts/modules/fx-banking.js">
/* Taigan Bridge — modules/fx-banking.js
 *
 * FX & Cross-Border Banking — daily-decision module for the routine
 * USD↔JPY questions every JP-resident US person faces:
 *
 *   - Which platform to use for transfers?
 *   - When to convert (and how much)?
 *   - How to hold multi-currency?
 *   - What's the actual delivered rate after fees?
 *
 * Cards:
 *   1. Header
 *   2. Current FX snapshot (uses utils.refreshCurrentFx + cached rates)
 *   3. Transfer cost calculator (input USD → see what each platform delivers)
 *   4. Platform comparison matrix
 *   5. Account-by-purpose decision tree
 *   6. Multi-currency holding strategy
 *   7. Rate alerts (configurable thresholds)
 *   8. Resources
 *
 * The platform fee figures below are illustrative defaults based on
 * publicly published rates as of mid-2026. Rates drift quarterly;
 * users can override per-platform in the comparison card.
 */

(function () {
  'use strict';

  const id = 'fx-banking';

  // ====================================================================
  // Reference data — platforms
  // ====================================================================

  // Each platform: id, name, type, direction, typical fee structure.
  // Fee fields are mid-2026 published-rate approximations; users can
  // override via the recorded_fees state for their actual experience.
  //
  // typical_spread_bps: extra basis points charged above mid-market rate
  // typical_fee_pct: percentage fee on top of spread (Wise model)
  // fixed_fee_usd: flat per-transfer fee (wire model)
  const PLATFORMS = [
    {
      id: 'wise',
      name: 'Wise',
      type: 'fintech',
      direction: 'both',
      typical_spread_bps: 0,                 // mid-market
      typical_fee_pct: 0.55,                 // ~0.4-0.7%
      fixed_fee_usd: 0,
      speed: 'minutes-to-hours',
      pricing_url: 'https://wise.com/us/pricing/send-money',
      pros: ['Mid-market rate', 'Multi-currency hold (USD + JPY balances)', 'Low cost for amounts ≤$50K'],
      cons: ['Per-transaction limits ($50K typical)', 'Cumulative annual limits exist'],
    },
    {
      id: 'sony_bank',
      name: 'Sony Bank',
      type: 'jp_bank',
      direction: 'both',
      typical_spread_bps: 25,                // ~0.25%
      typical_fee_pct: 0,
      fixed_fee_usd: 0,
      speed: 'instant-to-1d',
      pricing_url: 'https://moneykit.net/visitor/fx/fx05.html',
      pros: ['JP online bank with USD account', 'Instant FX between USD ↔ JPY balances', 'Reasonable for ongoing residents'],
      cons: ['Monthly FX-trade caps for promotional rate', 'JP bank account required (not for SOFA-only users)'],
    },
    {
      id: 'shinsei',
      name: 'Shinsei (PowerFlex / SBI Shinsei)',
      type: 'jp_bank',
      direction: 'both',
      typical_spread_bps: 50,
      typical_fee_pct: 0,
      fixed_fee_usd: 0,
      speed: 'instant-to-1d',
      pricing_url: 'https://www.sbishinseibank.co.jp/english/retail/foreign_currency/',
      pros: ['English banking interface', 'USD account', 'Foreign-friendly account opening'],
      cons: ['Spread less competitive than Wise/Sony', 'ATM withdrawal limits abroad'],
    },
    {
      id: 'sbi_sumishin',
      name: 'SBI Sumishin Net Bank',
      type: 'jp_bank',
      direction: 'both',
      typical_spread_bps: 15,                // very competitive
      typical_fee_pct: 0,
      fixed_fee_usd: 0,
      speed: 'instant-to-1d',
      pricing_url: 'https://www.netbk.co.jp/contents/service/foreign_currency/',
      pros: ['Among the best JP-bank FX spreads', 'Strong online interface', 'JP residency required'],
      cons: ['JP-only signup; mostly Japanese interface'],
    },
    {
      id: 'schwab_us',
      name: 'Schwab International (wire from US)',
      type: 'us_brokerage',
      direction: 'usd_to_jpy',
      typical_spread_bps: 100,               // ~1% on cash transfer
      typical_fee_pct: 0,
      fixed_fee_usd: 25,                     // outgoing wire
      speed: '1-3d',
      pricing_url: 'https://www.schwab.com/legal/schwab-pricing-guide',
      pros: ['Best for moving large amounts at once ($100K+)', 'Treasury-direct holding remains', 'Schwab debit card refunds ATM fees worldwide'],
      cons: ['Wire fee + spread combo', 'Slower than fintech', 'Schwab brokerage account required'],
    },
    {
      id: 'revolut',
      name: 'Revolut',
      type: 'fintech',
      direction: 'both',
      typical_spread_bps: 0,                 // mid-market on weekdays
      typical_fee_pct: 0,                    // free under monthly limit
      fixed_fee_usd: 0,
      speed: 'minutes-to-hours',
      pricing_url: 'https://www.revolut.com/en-US/our-pricing-plans/',
      pros: ['Free FX up to monthly cap (~$1K-$5K depending on tier)', 'Multi-currency wallet', 'Weekday mid-market rate'],
      cons: ['Weekend markup ~1%', 'JP availability via Revolut Japan limited', 'Free tier caps apply'],
    },
    {
      id: 'paypal_xoom',
      name: 'PayPal / Xoom',
      type: 'fintech',
      direction: 'usd_to_jpy',
      typical_spread_bps: 200,               // ~2%
      typical_fee_pct: 0,
      fixed_fee_usd: 5,
      speed: 'hours',
      pricing_url: 'https://www.xoom.com/japan/send-money',
      pros: ['Easy onboarding for one-off transfers', 'Brand recognition'],
      cons: ['Worse FX spread than Wise/banks', 'Limits on receiving amounts'],
    },
    {
      id: 'jp_megabank_wire',
      name: 'JP megabank (MUFG / Mizuho / SMBC) — incoming USD wire',
      type: 'jp_bank',
      direction: 'usd_to_jpy',
      typical_spread_bps: 100,
      typical_fee_pct: 0,
      fixed_fee_usd: 30,                     // ¥4,500 typical lifting/recv fee
      speed: '1-3d',
      pricing_url: 'https://www.bk.mufg.jp/global/global_e/fees/index.html',
      pros: ['Universal availability', 'Necessary if your JP employer pays in JPY only via megabank'],
      cons: ['Worst-of-class spread', 'Lifting fees + receiving fees stack', 'Only consider for must-use cases'],
    },
  ];

  // Returns the fee fields for a platform, preferring user-recorded
  // overrides (from the "Update fees" workflow) over the hardcoded
  // typical values. The override carries last_verified_at so the UI
  // can show staleness.
  function effectiveFees(platform) {
    const recorded = (TB.state.get('fx_banking.recorded_fees') || {})[platform.id];
    if (recorded) {
      return {
        spread_bps: recorded.spread_bps != null ? recorded.spread_bps : platform.typical_spread_bps,
        fee_pct:    recorded.fee_pct    != null ? recorded.fee_pct    : platform.typical_fee_pct,
        fixed_fee:  recorded.fixed_fee_usd != null ? recorded.fixed_fee_usd : platform.fixed_fee_usd,
        last_verified_at: recorded.last_verified_at || null,
        is_user_recorded: true,
        source_url: recorded.source_url || platform.pricing_url || null,
        notes: recorded.notes || '',
      };
    }
    return {
      spread_bps: platform.typical_spread_bps,
      fee_pct:    platform.typical_fee_pct,
      fixed_fee:  platform.fixed_fee_usd,
      last_verified_at: null,
      is_user_recorded: false,
      source_url: platform.pricing_url || null,
      notes: '',
    };
  }

  // Days since last user-recorded verification (or null if never).
  function feeAgeDays(platform) {
    const f = effectiveFees(platform);
    if (!f.last_verified_at) return null;
    const ms = Date.now() - new Date(f.last_verified_at).getTime();
    return Math.floor(ms / 86400000);
  }

  // What this platform actually delivers, in either direction.
  //
  // Args:
  //   platform — entry from PLATFORMS
  //   amount   — number, in the SOURCE currency (USD if usd_to_jpy,
  //              JPY if jpy_to_usd)
  //   midRate  — JPY per 1 USD (mid-market reference)
  //   direction — 'usd_to_jpy' (default, back-compat) | 'jpy_to_usd'
  //
  // The fee model:
  //   - spread_bps reduces the rate the user receives (always
  //     disadvantageous, regardless of direction)
  //   - fee_pct is a percentage on the source amount
  //   - fixed_fee is a per-transfer flat fee, denominated in USD by
  //     convention (matches how all the platform configs were captured)
  //
  // For JPY→USD we convert the USD-denominated fixed fee into JPY at
  // the mid rate before subtracting from the source side, so the same
  // fee is felt whichever way money moves.
  //
  // Returns a normalized result with `delivered` / `delivered_currency`
  // and `effective_rate` (always JPY per USD, for stable sorting).
  // The `jpy_delivered` / `total_cost_jpy` legacy fields stay populated
  // for any caller that wasn't updated. Total cost is reported in BOTH
  // currencies so callers don't have to convert.
  function platformDelivers(platform, amount, midRate, direction) {
    if (!isFinite(amount) || amount <= 0) return null;
    direction = direction || 'usd_to_jpy';
    const fees = effectiveFees(platform);
    const spreadFactor = 1 - ((fees.spread_bps || 0) / 10000);
    const effectiveRate = midRate * spreadFactor; // JPY/USD after spread
    const fixedFeeUsd = fees.fixed_fee || 0;
    const feePct = (fees.fee_pct || 0) / 100;

    let delivered, deliveredCurrency, sourceCurrency, jpyAtMid, totalCostJpy;
    if (direction === 'jpy_to_usd') {
      sourceCurrency = 'JPY';
      deliveredCurrency = 'USD';
      // Convert fixed fee to source-side JPY so the math is symmetric.
      const fixedFeeJpy = fixedFeeUsd * midRate;
      const jpyAfterFixedFee = Math.max(0, amount - fixedFeeJpy);
      const jpyAfterPctFee = jpyAfterFixedFee * (1 - feePct);
      // jpy / (jpy/usd) = usd, but at the spread-adjusted rate the
      // user only gets fewer USD per yen sold.
      delivered = jpyAfterPctFee / effectiveRate;
      jpyAtMid = amount; // mid-market source-side reference is the input
      totalCostJpy = amount - (delivered * midRate);
    } else {
      sourceCurrency = 'USD';
      deliveredCurrency = 'JPY';
      const usdAfterFixedFee = Math.max(0, amount - fixedFeeUsd);
      const usdAfterPctFee = usdAfterFixedFee * (1 - feePct);
      delivered = usdAfterPctFee * effectiveRate;
      jpyAtMid = amount * midRate;
      totalCostJpy = jpyAtMid - delivered;
    }
    const totalCostPct = jpyAtMid > 0 ? (totalCostJpy / jpyAtMid) * 100 : 0;
    // Effective rate normalized to JPY/USD so the sort + display logic
    // is direction-agnostic (best = highest JPY-per-USD always).
    const effRateJpyPerUsd = direction === 'jpy_to_usd'
      ? (delivered > 0 ? amount / delivered : 0)
      : (amount > 0 ? delivered / amount : 0);
    return {
      delivered,
      delivered_currency: deliveredCurrency,
      source_currency: sourceCurrency,
      effective_rate: effRateJpyPerUsd, // always JPY per 1 USD
      total_cost_jpy: totalCostJpy,
      total_cost_usd: totalCostJpy / midRate,
      total_cost_pct: totalCostPct,
      fees_used: fees,
      direction,
      // Back-compat aliases (older callers) — kept for the
      // comparison card et al. that haven't been updated yet.
      jpy_delivered: direction === 'usd_to_jpy' ? delivered : null,
      jpy_at_mid: jpyAtMid,
    };
  }

  // Persist a per-platform fee override.
  function setRecordedFees(platformId, fees) {
    const all = Object.assign({}, getRecorded());
    if (fees == null) {
      delete all[platformId];
    } else {
      all[platformId] = Object.assign({}, fees, {
        last_verified_at: new Date().toISOString(),
      });
    }
    setRecorded(all);
  }

  // ====================================================================
  // State accessors
  // ====================================================================

  function getFx()         { return TB.state.get('fx_banking') || {}; }
  function getAlerts()     { return getFx().rate_alerts || []; }
  function getPrefs()      { return getFx().preferences || {}; }
  function getRecorded()   { return getFx().recorded_fees || {}; }

  function setAlerts(arr) {
    const x = getFx();
    x.rate_alerts = arr;
    TB.state.set('fx_banking', x);
  }
  function setPrefs(value) {
    const x = getFx();
    x.preferences = value;
    TB.state.set('fx_banking', x);
  }
  function setRecorded(map) {
    const x = getFx();
    x.recorded_fees = map;
    TB.state.set('fx_banking', x);
  }

  // ====================================================================
  // FBAR aggregate computation
  // ====================================================================
  //
  // FBAR (FinCEN 114) is required of any US person whose aggregate
  // foreign account peak exceeds $10,000 USD at ANY POINT during the
  // calendar year. The threshold is per-person across ALL accounts —
  // a single $5K savings + a single $5.5K checking already trips it.
  //
  // We compute the current foreign aggregate from two sources, in
  // priority order:
  //   1. fbar.yearly_balances (canonical FBAR data, current year peak
  //      per account, summed). Most accurate when user has filed FBAR.
  //   2. Live asset balances from TB.assets (non-US accounts in USD).
  //      Used when no FBAR data exists yet for the current year.
  //
  // Returns { usd, year, source, peak_or_current }. peak_or_current
  // tells callers whether they're looking at FBAR's tracked peak
  // ('peak') or a current-balance approximation ('current').

  const FBAR_THRESHOLD_USD = 10000;

  function computeForeignAggregateUsd() {
    const year = new Date().getFullYear();
    const fbar = TB.state.get('fbar') || {};
    const yb = Array.isArray(fbar.yearly_balances) ? fbar.yearly_balances : [];

    // Priority 1: FBAR yearly_balances for current year
    const currentYearEntries = yb.filter((b) => b.year === year);
    if (currentYearEntries.length > 0) {
      const sum = currentYearEntries.reduce((s, b) => s + (b.max_balance_usd || 0), 0);
      return { usd: sum, year, source: 'fbar_peak', peak_or_current: 'peak' };
    }

    // Priority 2: live asset balances for non-US accounts
    if (TB.assets && typeof TB.assets.getActiveAccounts === 'function') {
      let sum = 0;
      TB.assets.getActiveAccounts().forEach((a) => {
        if (a.country === 'US') return;
        sum += TB.assets.toUsd(a.balance_native, a.currency);
      });
      return { usd: sum, year, source: 'assets_current', peak_or_current: 'current' };
    }

    return { usd: 0, year, source: 'none', peak_or_current: 'current' };
  }

  // Status helper — categorizes aggregate vs threshold for color coding.
  function fbarStatus(aggregateUsd) {
    if (aggregateUsd >= FBAR_THRESHOLD_USD) {
      return { level: 'required', color: 'var(--tb-warn)' };
    }
    if (aggregateUsd >= FBAR_THRESHOLD_USD * 0.75) {
      return { level: 'approaching', color: 'var(--tb-warn)' };
    }
    if (aggregateUsd >= FBAR_THRESHOLD_USD * 0.5) {
      return { level: 'monitor', color: 'var(--tb-track-fx)' };
    }
    return { level: 'safe', color: 'var(--tb-success)' };
  }

  // ====================================================================
  // Current FX snapshot
  // ====================================================================

  // Reads the freshest available USD/JPY rate. Source priority:
  //   1. settings.fx.current_rates  — written by TB.utils.refreshCurrentFx
  //                                    (Treasury + exchangerate.host
  //                                    fallback). Most recent if user
  //                                    has clicked Refresh recently.
  //   2. settings.fx.treasury_rates — older year-keyed Treasury cache
  //                                    (FBAR uses this for historical).
  //   3. assets.toUsd inverse        — derived from whatever rate the
  //                                    Asset module has been using.
  //   4. FX_FALLBACK constant        — final backstop, shipped value.
  //
  // Returns { rate, source, asOf, fetchedAt, isFresh } where:
  //   - source     : human label ("Treasury", "Treasury (live)", etc.)
  //   - asOf       : the rate's effective date (Treasury record_date)
  //   - fetchedAt  : when WE fetched it (for staleness UX)
  //   - isFresh    : true if fetched within last 7 days
  function currentJpyPerUsd() {
    const settings = TB.state.get('settings.fx') || {};

    // 1. Most-recent fetched rates (refreshCurrentFx target)
    if (settings.current_rates && settings.current_rates.JPY) {
      const fetchedAt = settings.current_fetched_at;
      const isFresh = fetchedAt &&
        (Date.now() - new Date(fetchedAt).getTime()) < 7 * 86400000;
      return {
        rate: settings.current_rates.JPY,
        source: settings.current_fallback_used ? 'Treasury + exchangerate.host' : 'Treasury (live)',
        asOf: settings.current_as_of,
        fetchedAt: fetchedAt,
        isFresh: !!isFresh,
      };
    }

    // 2. Year-keyed Treasury cache (legacy / FBAR-side path)
    const treasury = settings.treasury_rates || {};
    const year = String(new Date().getFullYear());
    if (treasury[year] && treasury[year].JPY) {
      return {
        rate: treasury[year].JPY, source: 'Treasury (' + year + ' cached)',
        asOf: settings.treasury_fetched_at, fetchedAt: settings.treasury_fetched_at, isFresh: false,
      };
    }
    const years = Object.keys(treasury).sort().reverse();
    for (const y of years) {
      if (treasury[y] && treasury[y].JPY) {
        return {
          rate: treasury[y].JPY, source: 'Treasury (' + y + ' cached)',
          asOf: settings.treasury_fetched_at, fetchedAt: settings.treasury_fetched_at, isFresh: false,
        };
      }
    }

    // 3. Derived from assets.toUsd
    if (TB.assets && typeof TB.assets.toUsd === 'function') {
      const oneUsdInJpy = 1 / TB.assets.toUsd(1, 'JPY');
      if (isFinite(oneUsdInJpy)) {
        return { rate: oneUsdInJpy, source: 'Asset cache', asOf: null, fetchedAt: null, isFresh: false };
      }
    }

    // 4. Hardcoded fallback
    if (TB.utils && TB.utils.FX_FALLBACK && TB.utils.FX_FALLBACK.JPY) {
      return { rate: TB.utils.FX_FALLBACK.JPY, source: 'Fallback (built-in)', asOf: null, fetchedAt: null, isFresh: false };
    }
    return { rate: 150, source: 'Default', asOf: null, fetchedAt: null, isFresh: false };
  }

  // Live mid-market USD/JPY (informational — what Google / Yahoo
  // shows). Used by the Transfer cost calculator since "what would
  // I actually get if I send today" is a real-time question. Falls
  // back to the Treasury rate when no live rate has been fetched
  // (e.g., user is offline) so the calculator never shows an empty
  // table. The returned `isLive` flag lets the UI surface which
  // rate it actually used.
  function liveJpyPerUsd() {
    const settings = TB.state.get('settings.fx') || {};
    if (settings.live_jpy && isFinite(settings.live_jpy) && settings.live_jpy > 0) {
      return {
        rate: settings.live_jpy,
        source: settings.live_source || 'Live',
        asOf: settings.live_as_of || null,
        fetchedAt: settings.live_fetched_at || null,
        isLive: true,
      };
    }
    // Live not available — degrade to Treasury (what was used pre-v0.61).
    const treasury = currentJpyPerUsd();
    return Object.assign({}, treasury, { isLive: false });
  }

  // Triggers a fresh fetch + re-renders the module on completion.
  // Used by the Refresh buttons on the snapshot + calculator cards.
  // Returns the same promise as TB.utils.refreshCurrentFx so callers
  // can chain UI state.
  function refreshAndRerender() {
    if (!TB.utils || typeof TB.utils.refreshCurrentFx !== 'function') {
      return Promise.reject(new Error('FX refresh helper unavailable'));
    }
    return TB.utils.refreshCurrentFx().then((res) => {
      rerender();
      return res;
    });
  }

  // ====================================================================
  // Module render
  // ====================================================================

  let host = null;
  let listenerSet = false;

  function isJpResident() {
    const a = TB.state.get('onboarding.answers') || {};
    const tracks = TB.state.get('tracks') || [];
    return a.juminhyou === 'yes' ||
      a.years_in_japan === '5_to_10' || a.years_in_japan === 'over_10' ||
      tracks.indexOf('resident') !== -1;
  }

  const SECTIONS = [
    { id: 'header',    always: true, builder: () => buildHeaderCard() },
    { id: 'snapshot',  always: true, builder: () => buildSnapshotCard() },
    {
      id: 'fbar_awareness',
      label_en: 'FBAR threshold awareness',
      label_jp: 'FBAR 閾値の認識',
      description_en: 'Live tracker of your foreign account aggregate vs the $10,000 FBAR threshold. Cross-references FBAR module + Assets.',
      description_jp: '外国口座総額と $10,000 FBAR 閾値のライブトラッカー。FBAR モジュール + Asset と連携。',
      auto_show: () => true,
      builder: () => buildFbarAwarenessCard(),
    },
    {
      id: 'calculator',
      label_en: 'Transfer cost calculator',
      label_jp: '送金コスト計算機',
      description_en: 'Input a USD amount; see what each platform delivers in JPY after spread + fees. Surfaces an FBAR threshold warning when a transfer would push your aggregate across $10K.',
      description_jp: 'ドル金額を入力すると、各プラットフォームのスプレッド+手数料控除後の円受取額を表示。送金で総額が $10K を超える場合は FBAR 閾値警告を表示。',
      auto_show: () => true,
      builder: () => buildCalculatorCard(),
    },
    {
      id: 'comparison',
      label_en: 'Platform comparison matrix',
      label_jp: 'プラットフォーム比較表',
      description_en: 'Side-by-side overview of every supported platform with pros and cons.',
      description_jp: '対応プラットフォームの長短を一覧比較。',
      auto_show: () => true,
      builder: () => buildComparisonCard(),
    },
    {
      id: 'decision_tree',
      label_en: 'Account-by-purpose decision tree',
      label_jp: '用途別口座選択ガイド',
      description_en: 'Which platform / account for which purpose: receiving SS, paying JP rent, transferring savings.',
      description_jp: '用途別の最適プラットフォーム・口座:SS 受取・JP 家賃支払・貯蓄送金。',
      auto_show: () => true,
      builder: () => buildDecisionTreeCard(),
    },
    {
      id: 'holding',
      label_en: 'Multi-currency holding strategy',
      label_jp: '複数通貨保有戦略',
      description_en: 'When to convert vs hold; rules of thumb by income type and JP-resident status.',
      description_jp: '転換タイミング vs 保有判断;所得種別・日本居住ステータス別の指針。',
      auto_show: () => true,
      builder: () => buildHoldingCard(),
    },
    {
      id: 'alerts',
      label_en: 'Rate alerts',
      label_jp: 'レートアラート',
      description_en: 'Set thresholds (e.g. "tell me if USD/JPY > 160"); surfaces in Action Center.',
      description_jp: '閾値設定(例:USD/JPY > 160 で通知);アクションセンターに表示。',
      auto_show: () => true,
      builder: () => buildAlertsCard(),
    },
    { id: 'resources', always: true, builder: () => buildResourcesCard() },
  ];

  function render(container) {
    host = container;
    if (!listenerSet) {
      TB.customize.onChange(id, () => rerender());
      listenerSet = true;
    }
    container.innerHTML = '';
    SECTIONS.forEach((s) => {
      if (s.always || TB.customize.isSectionEnabled(id, s.id, s.auto_show)) {
        container.appendChild(s.builder());
      }
    });
    container.appendChild(TB.customize.buildPanel(id, SECTIONS));
  }
  function rerender() { if (host) render(host); }

  // Re-render the FX module when the boot script's deferred live-FX
  // fetch resolves (or fails) — without this, a user already on the
  // FX page when the rate lands sees a stale "Fetching live rate…"
  // until they navigate away and back. The handler is attached at
  // module-init time and lives for the page lifetime; rerender() is
  // a no-op when host is null (other modules visible), so it's safe
  // to leave attached unconditionally.
  document.addEventListener('tb:live-fx-updated', () => { rerender(); });

  // ─── Header ───────────────────────────────────────────────────────

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    return el('div', { class: 'tb-card', 'data-track': 'fx' },
      el('div', { class: 'tb-card-meta' },
        el('span', { class: 'tb-badge tb-badge--track', 'data-track': 'fx' },
          t('fx.badge')),
      ),
      el('h1', null, '💱 ' + t('fx.title')),
      el('p', { class: 'tb-card-meta' }, t('fx.subtitle')),
    );
  }

  // ─── Snapshot card ──────────────────────────────────────────────

  function buildSnapshotCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const fx = currentJpyPerUsd();
    const live = (TB.utils && typeof TB.utils.getLiveJpyRate === 'function')
      ? TB.utils.getLiveJpyRate() : null;

    const card = el('div', { class: 'tb-card', 'data-track': 'fx' });
    const refreshBtn = buildRefreshButton(t('fx.snapshot.refresh'));
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '📊 ' + t('fx.section.snapshot')),
      refreshBtn,
    ));

    // Two-column layout: Treasury (calculations) + Live (informational)
    // side by side. Treasury rate keeps the prominent green border on
    // a fresh fetch — that's the rate that powers FBAR and Asset math.
    // Live rate uses an accent border to signal "informational" — it
    // matches what Google / Yahoo show but isn't used for any number
    // anywhere else in the app.
    const grid = el('div', {
      style: {
        display: 'grid', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-2)',
        gridTemplateColumns: 'repeat(auto-fit, minmax(260px, 1fr))',
      },
    });

    // Treasury card
    const treasuryCard = el('div', {
      style: {
        padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
        borderRadius: 'var(--tb-radius-2)',
        borderLeft: '4px solid ' + (fx.isFresh ? 'var(--tb-success)' : 'var(--tb-track-fx)'),
      },
    },
      el('div', {
        style: {
          fontSize: '10px', textTransform: 'uppercase', letterSpacing: '0.08em',
          color: 'var(--tb-text-soft)', fontWeight: '700',
        },
      }, t('fx.snapshot.treasury.label')),
      el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginTop: '2px' } },
        t('fx.snapshot.usd_to_jpy_label')),
      el('div', { style: { fontWeight: '700', fontSize: 'var(--tb-fs-40)', fontFamily: 'var(--tb-font-mono)' } },
        '¥' + fx.rate.toFixed(2)),
      buildFreshnessRow(fx),
      el('div', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-1)', fontSize: '11px' } },
        '↳ ' + t('fx.snapshot.treasury.usedFor')),
    );
    grid.appendChild(treasuryCard);

    // Live card — built whether we have data or not, but content
    // varies. Empty state gets a "Fetching…" placeholder + a refresh
    // button so the user can retry if the auto-fetch failed.
    const liveCard = el('div', {
      style: {
        padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
        borderRadius: 'var(--tb-radius-2)',
        borderLeft: '4px solid var(--tb-accent, var(--tb-track-fx))',
      },
    });
    liveCard.appendChild(el('div', {
      style: {
        fontSize: '10px', textTransform: 'uppercase', letterSpacing: '0.08em',
        color: 'var(--tb-text-soft)', fontWeight: '700',
      },
    }, t('fx.snapshot.live.label')));
    liveCard.appendChild(el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginTop: '2px' } },
      t('fx.snapshot.usd_to_jpy_label')));
    const liveErr = (TB.state.get('settings.fx') || {}).live_fetch_error;
    if (live && live.rate) {
      liveCard.appendChild(el('div', { style: { fontWeight: '700', fontSize: 'var(--tb-fs-40)', fontFamily: 'var(--tb-font-mono)' } },
        '¥' + live.rate.toFixed(2)));
      const liveBits = [];
      if (live.source) liveBits.push(t('fx.snapshot.source') + ': ' + live.source);
      if (live.asOf) liveBits.push(t('fx.snapshot.as_of') + ' ' + new Date(live.asOf).toLocaleDateString());
      if (live.fetchedAt) {
        const ageMin = Math.floor((Date.now() - new Date(live.fetchedAt).getTime()) / 60000);
        const ageStr = ageMin < 1 ? t('fx.snapshot.justNow')
          : ageMin < 60 ? t('fx.snapshot.minAgo', { n: ageMin })
          : t('fx.snapshot.hoursAgo', { n: Math.floor(ageMin / 60) });
        liveBits.push(t('fx.snapshot.fetched') + ' ' + ageStr);
      }
      liveCard.appendChild(el('div', {
        style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginTop: '4px' },
      }, liveBits.join(' · ')));
    } else if (liveErr) {
      // Fetch attempted and failed — surface the error in the card
      // so the user understands why the rate is missing without
      // having to open devtools. Trimmed because some failure
      // strings are very long ("All live-FX sources failed — …").
      liveCard.appendChild(el('div', {
        style: { fontWeight: '700', fontSize: 'var(--tb-fs-40)', fontFamily: 'var(--tb-font-mono)', color: 'var(--tb-text-soft)' },
      }, '—'));
      liveCard.appendChild(el('div', {
        style: {
          fontSize: 'var(--tb-fs-12)', color: 'var(--tb-warn)', marginTop: '4px',
          maxWidth: '100%', wordBreak: 'break-word',
        },
        title: liveErr,
      }, '⚠ ' + t('fx.snapshot.live.failed') + ' — ' +
         (liveErr.length > 120 ? liveErr.slice(0, 120) + '…' : liveErr)));
    } else {
      liveCard.appendChild(el('div', {
        style: { fontWeight: '700', fontSize: 'var(--tb-fs-40)', fontFamily: 'var(--tb-font-mono)', color: 'var(--tb-text-soft)' },
      }, '—'));
      liveCard.appendChild(el('div', {
        style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginTop: '4px' },
      }, t('fx.snapshot.live.fetching')));
    }
    liveCard.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-1)', fontSize: '11px' } },
      '↳ ' + t('fx.snapshot.live.usedFor')));
    // Manual refresh — bypasses the 1-hour cache.
    liveCard.appendChild(el('button', {
      class: 'tb-btn tb-btn--ghost', type: 'button',
      style: { marginTop: 'var(--tb-sp-2)', padding: '4px 10px', fontSize: '11px' },
      onclick: (e) => {
        const btn = e.currentTarget;
        btn.disabled = true;
        const orig = btn.textContent;
        btn.textContent = '… ' + t('fx.snapshot.refreshing');
        TB.utils.refreshLiveFx({ force: true })
          .then(() => { rerender(); })
          .catch((err) => {
            btn.disabled = false;
            btn.textContent = '⚠ ' + (err && err.message ? err.message.slice(0, 40) : 'failed');
            setTimeout(() => { btn.textContent = orig; }, 4000);
          });
      },
    }, '↻ ' + t('fx.snapshot.live.refresh')));
    grid.appendChild(liveCard);

    card.appendChild(grid);

    // Plain-language note explaining the two-rate model. Sits below
    // the cards so the user has the rationale in front of them the
    // first few times they load this page.
    card.appendChild(el('div', {
      style: {
        marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', lineHeight: '1.55',
      },
    }, t('fx.snapshot.bothRates.note')));

    // Reverse rate for context — uses Treasury rate (the calculation
    // basis). Live equivalent is shown in the live card itself.
    card.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
      t('fx.snapshot.reverse') + ': ¥1,000 = $' + (1000 / fx.rate).toFixed(2) +
      ' · $1,000 = ¥' + Math.round(fx.rate * 1000).toLocaleString()));

    return card;
  }

  // ─── Shared freshness UI helpers (used by snapshot + calculator) ──

  // Builds a refresh button with built-in loading state, success
  // confirmation, and error display. Re-renders the module on success.
  function buildRefreshButton(label) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const btn = el('button', {
      class: 'tb-btn tb-btn--ghost', type: 'button',
      style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
    }, '↻ ' + label);
    btn.addEventListener('click', () => {
      btn.disabled = true;
      btn.textContent = '… ' + t('fx.snapshot.refreshing');
      refreshAndRerender()
        .then(() => {
          // The module re-renders on success — this btn instance is gone
        })
        .catch((err) => {
          btn.disabled = false;
          btn.textContent = '⚠ ' + (err && err.message ? err.message.slice(0, 40) : 'failed');
          btn.title = err && err.message ? err.message : '';
          // Restore label after a few seconds
          setTimeout(() => { btn.textContent = '↻ ' + label; btn.title = ''; }, 4000);
        });
    });
    return btn;
  }

  // Builds the small "Source: X · As of: Y · Fetched: Z (Nd ago)" row.
  // Color-coded by freshness — green if fetched within 7d, gray otherwise.
  function buildFreshnessRow(fx) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const parts = [];
    parts.push(t('fx.snapshot.source') + ': ' + fx.source);
    if (fx.asOf) parts.push(t('fx.snapshot.as_of') + ' ' + new Date(fx.asOf).toLocaleDateString());
    if (fx.fetchedAt) {
      const ageDays = Math.floor((Date.now() - new Date(fx.fetchedAt).getTime()) / 86400000);
      const ageStr = ageDays === 0 ? t('fx.snapshot.today')
        : ageDays === 1 ? t('fx.snapshot.yesterday')
        : ageDays + 'd ' + t('fx.snapshot.ago');
      parts.push(t('fx.snapshot.fetched') + ' ' + ageStr);
    } else {
      parts.push(t('fx.snapshot.never_fetched'));
    }
    return el('div', {
      style: {
        fontSize: 'var(--tb-fs-12)',
        color: fx.isFresh ? 'var(--tb-success)' : 'var(--tb-text-soft)',
        marginTop: '4px',
      },
    }, parts.join(' · '));
  }

  // ─── FBAR awareness card ────────────────────────────────────────

  function buildFbarAwarenessCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const agg = computeForeignAggregateUsd();
    const status = fbarStatus(agg.usd);
    const fx = currentJpyPerUsd();

    const card = el('div', { class: 'tb-card', 'data-track': 'fx' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🚨 ' + t('fx.section.fbar_awareness')),
      el('a', { href: '#', style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)' },
        onclick: (e) => {
          e.preventDefault();
          document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'fbar' } }));
        } }, t('fx.fbar.open_fbar') + ' →'),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('fx.fbar.intro')));

    // Aggregate vs threshold display
    const tile = el('div', {
      style: {
        padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
        borderRadius: 'var(--tb-radius-2)', marginTop: 'var(--tb-sp-2)',
        borderLeft: '4px solid ' + status.color,
      },
    });
    tile.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' } },
      el('div', null,
        el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' } },
          t('fx.fbar.current_aggregate') + ' (' + agg.year + ')'),
        el('div', { style: { fontWeight: '700', fontSize: 'var(--tb-fs-28)', fontFamily: 'var(--tb-font-mono)' } },
          '$' + Math.round(agg.usd).toLocaleString()),
        el('div', { class: 'tb-field-help', style: { marginTop: '4px' } },
          '¥' + Math.round(agg.usd * fx.rate).toLocaleString() + ' · ' +
          (agg.peak_or_current === 'peak' ? t('fx.fbar.from_fbar') : t('fx.fbar.from_assets'))),
      ),
      el('div', { style: { textAlign: 'right' } },
        el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' } },
          t('fx.fbar.threshold')),
        el('div', { style: { fontWeight: '600', fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-18)' } },
          '$' + FBAR_THRESHOLD_USD.toLocaleString()),
      ),
    ));

    // Distance / status banner
    const headroom = FBAR_THRESHOLD_USD - agg.usd;
    let bannerLabel, bannerHint;
    if (status.level === 'required') {
      bannerLabel = '⚠ ' + t('fx.fbar.status.required');
      bannerHint = t('fx.fbar.status.required_hint', { excess: '$' + Math.round(agg.usd - FBAR_THRESHOLD_USD).toLocaleString() });
    } else if (status.level === 'approaching') {
      bannerLabel = '⚠ ' + t('fx.fbar.status.approaching');
      bannerHint = t('fx.fbar.status.headroom', { headroom: '$' + Math.round(headroom).toLocaleString() });
    } else if (status.level === 'monitor') {
      bannerLabel = '○ ' + t('fx.fbar.status.monitor');
      bannerHint = t('fx.fbar.status.headroom', { headroom: '$' + Math.round(headroom).toLocaleString() });
    } else {
      bannerLabel = '✓ ' + t('fx.fbar.status.safe');
      bannerHint = t('fx.fbar.status.headroom', { headroom: '$' + Math.round(headroom).toLocaleString() });
    }
    tile.appendChild(el('div', {
      style: {
        marginTop: 'var(--tb-sp-2)', padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg-elev)', borderRadius: 'var(--tb-radius-1)',
      },
    },
      el('div', { style: { fontWeight: '600' } }, bannerLabel),
      el('div', { class: 'tb-field-help', style: { marginTop: '2px' } }, bannerHint),
    ));

    // Visual progress bar
    const pct = Math.min(100, (agg.usd / FBAR_THRESHOLD_USD) * 100);
    tile.appendChild(el('div', { style: { marginTop: 'var(--tb-sp-2)', height: '8px',
      background: 'var(--tb-border)', borderRadius: 'var(--tb-radius-pill)', overflow: 'hidden' } },
      el('div', {
        style: {
          height: '100%', width: pct.toFixed(1) + '%',
          background: status.color,
          transition: 'width var(--tb-motion-base) var(--tb-ease)',
        },
      }),
    ));
    card.appendChild(tile);

    // Education content
    const ul = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-14)' } });
    [
      'fx.fbar.point.10k_aggregate',
      'fx.fbar.point.peak_not_year_end',
      'fx.fbar.point.all_account_types',
      'fx.fbar.point.fincen_not_irs',
      'fx.fbar.point.deadline',
      'fx.fbar.point.penalty',
      'fx.fbar.point.transfer_trigger',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(ul);

    return card;
  }

  // ─── Calculator card ────────────────────────────────────────────

  function buildCalculatorCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    // Two rates: live for what-you'd-actually-get-today math, Treasury
    // for the FBAR threshold check (FBAR is a regulatory calculation
    // and must use the Treasury rate). Falls through to Treasury if
    // live isn't available.
    const liveFx = liveJpyPerUsd();
    const treasuryFx = currentJpyPerUsd();
    const prefs = getPrefs();
    // Direction state: 'usd_to_jpy' or 'jpy_to_usd'. Persisted in
    // prefs so user gets their last choice next visit.
    let direction = prefs.calc_direction === 'jpy_to_usd' ? 'jpy_to_usd' : 'usd_to_jpy';
    // Two persisted amounts so toggling direction doesn't lose what
    // the user typed in either field.
    let amountUsd = prefs.monthly_estimate_usd || 1000;
    let amountJpy = prefs.monthly_estimate_jpy || Math.round(amountUsd * liveFx.rate / 1000) * 1000;

    function currentAmount() { return direction === 'jpy_to_usd' ? amountJpy : amountUsd; }
    function currentSourceCurrency() { return direction === 'jpy_to_usd' ? 'JPY' : 'USD'; }
    function currentDeliveredCurrency() { return direction === 'jpy_to_usd' ? 'USD' : 'JPY'; }

    function fmtSource(amt) {
      return direction === 'jpy_to_usd'
        ? '¥' + Math.round(amt).toLocaleString()
        : '$' + Math.round(amt).toLocaleString();
    }
    function fmtDelivered(amt) {
      return direction === 'jpy_to_usd'
        ? '$' + (amt).toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 })
        : '¥' + Math.round(amt).toLocaleString();
    }

    const card = el('div', { class: 'tb-card', 'data-track': 'fx' });

    // Header with refresh button — refresh both rates so the calculator
    // stays in sync with the snapshot card.
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' } },
      el('h2', { style: { margin: 0 } }, '🧮 ' + t('fx.section.calculator')),
      buildRefreshButton(t('fx.calculator.refresh_rate')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('fx.calculator.intro')));

    // Direction toggle — pill-style segmented control.
    function buildDirToggle() {
      const wrap = el('div', {
        style: {
          display: 'inline-flex', borderRadius: 'var(--tb-radius-pill)',
          background: 'var(--tb-bg)', padding: '3px', gap: '2px',
          marginBottom: 'var(--tb-sp-3)',
        },
      });
      function pill(dir, label) {
        const active = direction === dir;
        return el('button', {
          type: 'button',
          class: 'tb-btn ' + (active ? '' : 'tb-btn--ghost'),
          style: {
            padding: '4px 14px', fontSize: 'var(--tb-fs-12)',
            borderRadius: 'var(--tb-radius-pill)',
            background: active ? 'var(--tb-track-fx)' : 'transparent',
            color: active ? '#fff' : 'var(--tb-text)',
            fontWeight: active ? '700' : '500',
          },
          onclick: () => {
            if (direction === dir) return;
            direction = dir;
            const p = Object.assign({}, getPrefs());
            p.calc_direction = direction;
            setPrefs(p);
            rerender();
          },
        }, label);
      }
      wrap.appendChild(pill('usd_to_jpy', t('fx.calculator.dir.usd_to_jpy')));
      wrap.appendChild(pill('jpy_to_usd', t('fx.calculator.dir.jpy_to_usd')));
      return wrap;
    }
    card.appendChild(buildDirToggle());

    // Compact freshness banner — uses the LIVE rate now since that's
    // what the calculator math is based on. Marks it as live so the
    // user sees this is the daily mid-market reference, not the
    // quarterly Treasury rate.
    const liveAge = liveFx.fetchedAt
      ? Math.floor((Date.now() - new Date(liveFx.fetchedAt).getTime()) / 60000)
      : null;
    const liveAgeStr = liveAge == null ? ''
      : liveAge < 1 ? t('fx.snapshot.justNow')
      : liveAge < 60 ? t('fx.snapshot.minAgo', { n: liveAge })
      : t('fx.snapshot.hoursAgo', { n: Math.floor(liveAge / 60) });
    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        borderLeft: '3px solid ' + (liveFx.isLive ? 'var(--tb-accent, var(--tb-track-fx))' : 'var(--tb-warn)'),
        marginBottom: 'var(--tb-sp-3)',
        display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
        flexWrap: 'wrap', gap: 'var(--tb-sp-2)',
      },
    },
      el('div', null,
        el('span', { style: { fontWeight: '600' } },
          (liveFx.isLive ? t('fx.calculator.using_live') : t('fx.calculator.using_treasury_fallback')) + ' '),
        el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700' } },
          '¥' + liveFx.rate.toFixed(2) + ' / $1'),
        liveFx.isLive && liveAgeStr ? el('span', {
          style: { marginLeft: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' },
        }, '· ' + liveAgeStr) : null,
      ),
    ));
    card.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: '-12px', marginBottom: 'var(--tb-sp-3)', fontSize: '11px' } },
      t('fx.calculator.rateExplain', {
        treasury: '¥' + treasuryFx.rate.toFixed(2),
      })));

    // Input
    const inputWrap = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)', alignItems: 'center', marginBottom: 'var(--tb-sp-3)', flexWrap: 'wrap' } });
    inputWrap.appendChild(el('label', { style: { fontSize: 'var(--tb-fs-14)' } }, t('fx.calculator.amount')));
    const input = el('input', {
      type: 'number', class: 'tb-input',
      style: { width: '180px', fontFamily: 'var(--tb-font-mono)' },
      step: direction === 'jpy_to_usd' ? '10000' : '100',
      min: '0',
      value: currentAmount(),
      oninput: (e) => {
        const v = parseFloat(e.target.value);
        const safe = isFinite(v) ? v : 0;
        if (direction === 'jpy_to_usd') amountJpy = safe; else amountUsd = safe;
        repaintResults();
        // Persist both amounts independently — switching direction
        // shouldn't blow away the other side's last typed value.
        const p = Object.assign({}, getPrefs());
        if (direction === 'jpy_to_usd') p.monthly_estimate_jpy = amountJpy;
        else p.monthly_estimate_usd = amountUsd;
        setPrefs(p);
      },
    });
    inputWrap.appendChild(input);
    inputWrap.appendChild(el('span', { style: { color: 'var(--tb-text-soft)' } }, currentSourceCurrency()));
    card.appendChild(inputWrap);

    // FBAR contextual callout — shown when this transfer would push
    // the foreign aggregate near or across the $10K threshold. Updates
    // live as the user types. Always uses the Treasury rate (FBAR is
    // a regulatory calculation, not a market-rate one).
    const fbarCallout = el('div', { style: { marginBottom: 'var(--tb-sp-3)' } });
    card.appendChild(fbarCallout);

    function repaintFbarCallout() {
      fbarCallout.innerHTML = '';
      const agg = computeForeignAggregateUsd();
      // FBAR threshold: USD→JPY ADDS to the foreign aggregate (sending
      // money INTO Japan), JPY→USD SUBTRACTS from it (pulling out).
      // Express the transfer in USD using the TREASURY rate so this
      // matches what the FBAR module would record.
      const transferUsd = direction === 'jpy_to_usd'
        ? -(currentAmount() / treasuryFx.rate)
        : currentAmount();
      const projected = Math.max(0, agg.usd + transferUsd);
      // Don't render unless we're near or over the threshold either before
      // or after the transfer
      const showBefore = agg.usd >= FBAR_THRESHOLD_USD * 0.5;
      const showAfter = projected >= FBAR_THRESHOLD_USD * 0.5;
      if (!showBefore && !showAfter) return;

      const wasOver = agg.usd >= FBAR_THRESHOLD_USD;
      const willBeOver = projected >= FBAR_THRESHOLD_USD;
      let color, icon, label, body;
      if (direction === 'jpy_to_usd' && wasOver && !willBeOver) {
        // Pulling out — drops back below threshold
        color = 'var(--tb-success)'; icon = '✓';
        label = t('fx.calculator.fbar_dropping_below.label');
        body = t('fx.calculator.fbar_dropping_below.body', {
          before: '$' + Math.round(agg.usd).toLocaleString(),
          after: '$' + Math.round(projected).toLocaleString(),
        });
      } else if (direction === 'jpy_to_usd' && wasOver) {
        // Pulling out but still over
        color = 'var(--tb-track-fx)'; icon = 'ℹ';
        label = t('fx.calculator.fbar_pulling_out.label');
        body = t('fx.calculator.fbar_pulling_out.body', {
          before: '$' + Math.round(agg.usd).toLocaleString(),
          after: '$' + Math.round(projected).toLocaleString(),
        });
      } else if (!wasOver && willBeOver) {
        // The transfer crosses the threshold — biggest signal
        color = 'var(--tb-warn)'; icon = '🚨';
        label = t('fx.calculator.fbar_crossing.label');
        body = t('fx.calculator.fbar_crossing.body', {
          before: '$' + Math.round(agg.usd).toLocaleString(),
          after: '$' + Math.round(projected).toLocaleString(),
        });
      } else if (wasOver) {
        // Already over — adding to the existing requirement
        color = 'var(--tb-track-fx)'; icon = 'ℹ';
        label = t('fx.calculator.fbar_already.label');
        body = t('fx.calculator.fbar_already.body', {
          before: '$' + Math.round(agg.usd).toLocaleString(),
          after: '$' + Math.round(projected).toLocaleString(),
        });
      } else {
        // Approaching — useful heads-up
        color = 'var(--tb-track-fx)'; icon = 'ℹ';
        label = t('fx.calculator.fbar_approaching.label');
        body = t('fx.calculator.fbar_approaching.body', {
          after: '$' + Math.round(projected).toLocaleString(),
          headroom: '$' + Math.round(FBAR_THRESHOLD_USD - projected).toLocaleString(),
        });
      }
      fbarCallout.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid ' + color,
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          fontSize: 'var(--tb-fs-12)',
        },
      },
        el('div', { style: { fontWeight: '600', marginBottom: '4px' } }, icon + ' ' + label),
        el('div', null, body),
        // Footnote: clarify the conversion rate basis so the user knows
        // why $X here might differ from $Y in the snapshot (Treasury
        // for FBAR threshold math, vs live for the platform calc).
        el('div', { class: 'tb-field-help', style: { marginTop: '4px', fontSize: '11px' } },
          t('fx.calculator.fbar.rateBasis', { rate: '¥' + treasuryFx.rate.toFixed(2) })),
      ));
    }
    repaintFbarCallout();

    // Results table
    const resultsContainer = el('div', null);
    card.appendChild(resultsContainer);

    function repaintResults() {
      // Recompute FBAR callout too on every input change
      repaintFbarCallout();
      resultsContainer.innerHTML = '';
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px' } });

      // Sort platforms by delivered amount descending (best first).
      // Always uses the LIVE rate for the math.
      const computed = PLATFORMS
        .filter((p) => p.direction === 'both' || p.direction === 'usd_to_jpy')
        .map((p) => ({ p, r: platformDelivers(p, currentAmount(), liveFx.rate, direction) }))
        .filter((x) => x.r != null)
        .sort((a, b) => (b.r.delivered || 0) - (a.r.delivered || 0));

      const best = computed[0] && computed[0].r ? computed[0].r.delivered : 0;
      const deliveredCcy = currentDeliveredCurrency();

      computed.forEach((row, idx) => {
        const r = row.r;
        const lossVsBest = best - r.delivered;
        const isBest = idx === 0;
        // 0.5% loss vs. best is the "noticeable" threshold
        const lossWarnThreshold = best * 0.005;
        list.appendChild(el('div', {
          style: {
            display: 'grid',
            gridTemplateColumns: '1fr 130px 90px 110px',
            gap: 'var(--tb-sp-2)',
            padding: 'var(--tb-sp-2) var(--tb-sp-3)',
            background: 'var(--tb-bg)',
            borderRadius: 'var(--tb-radius-1)',
            borderLeft: '3px solid ' + (isBest ? 'var(--tb-success)' :
              lossVsBest > lossWarnThreshold ? 'var(--tb-warn)' : 'var(--tb-track-fx)'),
            alignItems: 'baseline',
          },
        },
          el('span', null,
            el('span', { style: { fontWeight: isBest ? '700' : '500' } },
              (isBest ? '🏆 ' : '') + row.p.name),
            el('div', { class: 'tb-field-help', style: { marginTop: '2px' } }, row.p.type)),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)', textAlign: 'right', fontWeight: '600' } },
            fmtDelivered(r.delivered)),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)', textAlign: 'right',
            fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' } },
            // Effective rate is always normalized to JPY/USD so the
            // sort + comparison stay consistent across directions.
            '¥' + r.effective_rate.toFixed(2)),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)', textAlign: 'right',
            fontSize: 'var(--tb-fs-12)',
            color: isBest ? 'var(--tb-success)' :
              lossVsBest > 0 ? 'var(--tb-warn)' : 'var(--tb-text-soft)' } },
            isBest ? '✓ ' + t('fx.calculator.best') :
              '−' + (deliveredCcy === 'JPY' ? '¥' : '$') +
              (deliveredCcy === 'JPY'
                ? Math.round(lossVsBest).toLocaleString()
                : lossVsBest.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 }))),
        ));
      });
      resultsContainer.appendChild(list);

      // Headers
      const headers = el('div', {
        style: {
          display: 'grid',
          gridTemplateColumns: '1fr 130px 90px 110px',
          gap: 'var(--tb-sp-2)',
          padding: '4px var(--tb-sp-3)',
          marginTop: '6px',
          fontSize: 'var(--tb-fs-12)',
          color: 'var(--tb-text-soft)',
        },
      },
        el('span', null, t('fx.calculator.col.platform')),
        el('span', { style: { textAlign: 'right' } },
          t('fx.calculator.col.delivered') + ' (' + deliveredCcy + ')'),
        el('span', { style: { textAlign: 'right' } }, t('fx.calculator.col.eff_rate')),
        el('span', { style: { textAlign: 'right' } }, t('fx.calculator.col.vs_best')),
      );
      resultsContainer.insertBefore(headers, list);
    }
    repaintResults();

    card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-3)' } },
      t('fx.calculator.note')));

    return card;
  }

  // ─── Comparison card ────────────────────────────────────────────

  function buildComparisonCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    const card = el('div', { class: 'tb-card', 'data-track': 'fx' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' } },
      el('h2', { style: { margin: 0 } }, '📋 ' + t('fx.section.comparison')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openBulkVerifyModal() }, '✓ ' + t('fx.comparison.bulk_verify')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('fx.comparison.intro')));

    PLATFORMS.forEach((p) => {
      const fees = effectiveFees(p);
      const ageDays = feeAgeDays(p);
      const wrap = el('details', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid ' + (fees.is_user_recorded
            ? (ageDays != null && ageDays > 90 ? 'var(--tb-warn)' : 'var(--tb-success)')
            : 'var(--tb-track-fx)'),
          background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      });
      const summary = el('summary', { style: { cursor: 'pointer', display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', gap: 'var(--tb-sp-2)', flexWrap: 'wrap' } });
      summary.appendChild(el('span', { style: { fontWeight: '600' } }, p.name));
      const summaryRight = el('span', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', whiteSpace: 'nowrap' } });
      const feeStr = ((fees.spread_bps || 0) > 0 ? fees.spread_bps + 'bp' : '0bp') +
        ((fees.fee_pct || 0) > 0 ? ' + ' + fees.fee_pct + '%' : '') +
        ((fees.fixed_fee || 0) > 0 ? ' + $' + fees.fixed_fee : '');
      summaryRight.textContent = feeStr + ' · ' + p.speed;
      summary.appendChild(summaryRight);
      wrap.appendChild(summary);

      const body = el('div', { style: { marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)' } });

      // Verification status row + edit + visit-pricing-page links
      const statusRow = el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          gap: 'var(--tb-sp-2)', flexWrap: 'wrap',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg-elev)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      });
      let statusLabel, statusColor;
      if (fees.is_user_recorded && ageDays != null) {
        if (ageDays === 0)      statusLabel = '✓ ' + t('fx.comparison.verified_today');
        else if (ageDays === 1) statusLabel = '✓ ' + t('fx.comparison.verified_yesterday');
        else if (ageDays > 90) {
          statusLabel = '⚠ ' + t('fx.comparison.verified_stale', { days: ageDays });
          statusColor = 'var(--tb-warn)';
        } else                  statusLabel = '✓ ' + t('fx.comparison.verified_ago', { days: ageDays });
        if (!statusColor) statusColor = 'var(--tb-success)';
      } else {
        statusLabel = '○ ' + t('fx.comparison.using_typical');
        statusColor = 'var(--tb-text-soft)';
      }
      statusRow.appendChild(el('span', { style: { color: statusColor, fontWeight: '500' } }, statusLabel));
      const linkGroup = el('span', { style: { display: 'flex', gap: 'var(--tb-sp-3)', alignItems: 'baseline' } });
      if (fees.source_url) {
        linkGroup.appendChild(el('a', {
          href: fees.source_url, target: '_blank', rel: 'noopener noreferrer',
          style: { color: 'var(--tb-navy)' },
        }, t('fx.comparison.visit_pricing') + ' →'));
      }
      linkGroup.appendChild(el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '2px 8px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openFeeUpdateModal(p),
      }, '✎ ' + t('fx.comparison.update_fees')));
      if (fees.is_user_recorded) {
        linkGroup.appendChild(el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '2px 8px', fontSize: 'var(--tb-fs-12)' },
          title: t('fx.comparison.reset_to_default'),
          onclick: () => {
            if (confirm(t('fx.comparison.confirm_reset'))) {
              setRecordedFees(p.id, null);
              rerender();
            }
          },
        }, '↺'));
      }
      statusRow.appendChild(linkGroup);
      body.appendChild(statusRow);

      // User notes (if any)
      if (fees.is_user_recorded && fees.notes) {
        body.appendChild(el('div', {
          style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-track-fx)',
            background: 'var(--tb-bg-elev)', borderRadius: 'var(--tb-radius-1)',
            marginBottom: 'var(--tb-sp-2)' },
        }, fees.notes));
      }

      const grid = el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-3)' } });
      const prosCol = el('div', null,
        el('div', { style: { fontWeight: '600', color: 'var(--tb-success)', marginBottom: '4px' } }, t('fx.comparison.pros')),
        el('ul', { style: { paddingLeft: '20px', margin: 0 } },
          p.pros.map((line) => el('li', { style: { marginBottom: '2px' } }, line))),
      );
      const consCol = el('div', null,
        el('div', { style: { fontWeight: '600', color: 'var(--tb-text-soft)', marginBottom: '4px' } }, t('fx.comparison.cons')),
        el('ul', { style: { paddingLeft: '20px', margin: 0 } },
          p.cons.map((line) => el('li', { style: { marginBottom: '2px' } }, line))),
      );
      grid.appendChild(prosCol);
      grid.appendChild(consCol);
      body.appendChild(grid);
      wrap.appendChild(body);
      card.appendChild(wrap);
    });

    return card;
  }

  // Per-platform fee update modal. User enters current published fees
  // (or pastes from the platform's pricing page) — saves with timestamp.
  function openFeeUpdateModal(platform) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const cur = effectiveFees(platform);
    const draft = {
      spread_bps: cur.spread_bps,
      fee_pct: cur.fee_pct,
      fixed_fee_usd: cur.fixed_fee,
      source_url: cur.source_url || platform.pricing_url || '',
      notes: cur.notes || '',
    };

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('fx.update.modal_title') + ': ' + platform.name));
    modal.appendChild(el('p', { class: 'tb-card-meta' }, t('fx.update.intro')));

    if (platform.pricing_url) {
      modal.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)',
        },
      },
        '🔗 ',
        el('a', { href: platform.pricing_url, target: '_blank', rel: 'noopener noreferrer',
          style: { color: 'var(--tb-navy)' } },
          t('fx.update.open_pricing') + ': ' + platform.pricing_url + ' →'),
      ));
    }

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }
    function num(label, key, help, step) {
      return field(label,
        el('input', { type: 'number', class: 'tb-input', step: step || '1', min: '0',
          value: draft[key] != null ? draft[key] : '',
          oninput: (e) => {
            const v = parseFloat(e.target.value);
            draft[key] = isFinite(v) ? v : null;
          } }),
        help);
    }

    modal.appendChild(num(t('fx.update.spread_bps'), 'spread_bps',
      t('fx.update.spread_bps.help'), '5'));
    modal.appendChild(num(t('fx.update.fee_pct'), 'fee_pct',
      t('fx.update.fee_pct.help'), '0.05'));
    modal.appendChild(num(t('fx.update.fixed_fee_usd'), 'fixed_fee_usd',
      t('fx.update.fixed_fee_usd.help'), '1'));

    modal.appendChild(field(t('fx.update.source_url'),
      el('input', { type: 'url', class: 'tb-input',
        value: draft.source_url || '',
        placeholder: 'https://…',
        oninput: (e) => { draft.source_url = e.target.value; } }),
      t('fx.update.source_url.help')));

    modal.appendChild(field(t('fx.update.notes'),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.notes = e.target.value; } }, draft.notes || ''),
      t('fx.update.notes.help')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('fx.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setRecordedFees(platform.id, draft); close(); rerender(); } },
      '✓ ' + t('fx.update.save_verified')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // Bulk-verify modal — opens a modal listing every platform with
  // links + an "I've checked, all current" button to bulk-stamp
  // verification timestamps without changing values.
  function openBulkVerifyModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal', style: { maxWidth: '640px' } });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('fx.bulk.modal_title')));
    modal.appendChild(el('p', { class: 'tb-card-meta' }, t('fx.bulk.intro')));

    const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px', marginTop: 'var(--tb-sp-3)' } });
    PLATFORMS.forEach((p) => {
      const ageDays = feeAgeDays(p);
      list.appendChild(el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          gap: 'var(--tb-sp-2)', flexWrap: 'wrap',
        },
      },
        el('div', null,
          el('div', { style: { fontWeight: '600' } }, p.name),
          el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
            ageDays != null
              ? (ageDays === 0 ? t('fx.comparison.verified_today')
                  : ageDays === 1 ? t('fx.comparison.verified_yesterday')
                  : t('fx.comparison.verified_ago', { days: ageDays }))
              : t('fx.comparison.using_typical')),
        ),
        el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } },
          p.pricing_url ? el('a', {
            href: p.pricing_url, target: '_blank', rel: 'noopener noreferrer',
            style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)' },
          }, t('fx.bulk.open') + ' →') : null,
          el('button', {
            class: 'tb-btn tb-btn--ghost', type: 'button',
            style: { padding: '2px 8px', fontSize: 'var(--tb-fs-12)' },
            onclick: () => { openFeeUpdateModal(p); },
          }, '✎'),
        ),
      ));
    });
    modal.appendChild(list);

    // Bulk action — stamp ALL platforms as verified at current values
    modal.appendChild(el('div', {
      style: {
        marginTop: 'var(--tb-sp-3)',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        borderLeft: '3px solid var(--tb-track-fx)',
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        fontSize: 'var(--tb-fs-12)',
      },
    }, '💡 ' + t('fx.bulk.tip')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)', flexWrap: 'wrap' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button',
      style: { fontSize: 'var(--tb-fs-12)' },
      onclick: () => {
        if (confirm(t('fx.bulk.confirm_stamp'))) {
          PLATFORMS.forEach((p) => {
            const cur = effectiveFees(p);
            setRecordedFees(p.id, {
              spread_bps: cur.spread_bps,
              fee_pct: cur.fee_pct,
              fixed_fee_usd: cur.fixed_fee,
              source_url: cur.source_url,
              notes: cur.notes,
            });
          });
          close(); rerender();
        }
      } }, '✓ ' + t('fx.bulk.stamp_all')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button', onclick: close }, t('fx.bulk.done')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Decision tree card ─────────────────────────────────────────

  function buildDecisionTreeCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'fx' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🌳 ' + t('fx.section.decision_tree')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('fx.decision_tree.intro')));

    const scenarios = [
      { key: 'small_recurring',  default_rec: 'Wise (multi-currency Wise account auto-transfers each month)' },
      { key: 'large_lump',       default_rec: 'Schwab International wire (best for $50K+ at one time)' },
      { key: 'jp_employer_payroll', default_rec: 'JP megabank required (employer typically only pays into MUFG/Mizuho/SMBC)' },
      { key: 'ss_pension',       default_rec: 'Schwab US receiving + Wise transfer to JP (or direct deposit to Wise USD account)' },
      { key: 'cash_out_in_jp',   default_rec: 'Schwab debit card (worldwide ATM fee refunds, mid-market FX)' },
      { key: 'pay_jp_rent',      default_rec: 'JP bank account (megabank or Sony) with auto-debit set up' },
      { key: 'gift_to_jp_family', default_rec: 'Wise to recipient\'s JP bank (low cost) or Sony Bank transfer (if you both use Sony)' },
      { key: 'reserve_emergency', default_rec: 'Hold USD in Schwab brokerage / Sony Bank USD account; convert as needed' },
    ];
    scenarios.forEach((s) => {
      card.appendChild(el('div', {
        style: {
          display: 'grid', gridTemplateColumns: '1fr 2fr', gap: 'var(--tb-sp-3)',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)', alignItems: 'baseline',
        },
      },
        el('div', { style: { fontWeight: '600' } }, t('fx.decision_tree.scenario.' + s.key)),
        el('div', { style: { fontSize: 'var(--tb-fs-12)' } },
          '→ ' + (t('fx.decision_tree.rec.' + s.key) || s.default_rec)),
      ));
    });

    return card;
  }

  // ─── Multi-currency holding card ────────────────────────────────

  function buildHoldingCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'fx' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '⚖ ' + t('fx.section.holding')));
    card.appendChild(el('p', null, t('fx.holding.intro')));

    const ul = el('ul', { style: { paddingLeft: '20px' } });
    [
      'fx.holding.point.match_currency',
      'fx.holding.point.dollar_cost_average',
      'fx.holding.point.tax_lots',
      'fx.holding.point.emergency_buffer',
      'fx.holding.point.no_market_timing',
      'fx.holding.point.large_one_time',
      'fx.holding.point.fbar_trigger',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '8px' } }, t(k))));
    card.appendChild(ul);

    return card;
  }

  // ─── Rate alerts card ───────────────────────────────────────────

  function buildAlertsCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const alerts = getAlerts();

    const card = el('div', { class: 'tb-card', 'data-track': 'fx' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🔔 ' + t('fx.section.alerts')),
      el('button', { class: 'tb-btn', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openAlertModal(null) }, '＋ ' + t('fx.alerts.add')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('fx.alerts.intro')));

    if (alerts.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('fx.alerts.empty')));
      return card;
    }

    const fx = currentJpyPerUsd();
    alerts.forEach((a) => {
      const triggered = a.direction === 'gt'
        ? fx.rate > a.threshold_jpy_per_usd
        : fx.rate < a.threshold_jpy_per_usd;
      card.appendChild(el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid ' + (triggered ? 'var(--tb-warn)' : 'var(--tb-track-fx)'),
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)', gap: 'var(--tb-sp-3)',
        },
      },
        el('div', null,
          el('div', { style: { fontWeight: '600' } },
            (triggered ? '🔔 ' : '○ ') +
            t('fx.alerts.usd_jpy') + ' ' + (a.direction === 'gt' ? '>' : '<') + ' ¥' + a.threshold_jpy_per_usd),
          a.label
            ? el('div', { class: 'tb-field-help', style: { marginTop: '2px' } }, a.label)
            : null,
        ),
        el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
          style: { padding: '2px 8px', fontSize: 'var(--tb-fs-12)' },
          onclick: () => {
            if (confirm(t('fx.alerts.confirm_delete'))) {
              setAlerts(alerts.filter((x) => x.id !== a.id));
              rerender();
            }
          } }, '🗑'),
      ));
    });

    return card;
  }

  function openAlertModal(existing) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const fx = currentJpyPerUsd();
    const draft = Object.assign({
      id: 'fxalert-' + Date.now().toString(36),
      direction: 'gt',
      threshold_jpy_per_usd: Math.round(fx.rate),
      label: '',
      active: true,
      last_triggered_at: null,
    }, existing || {});

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('fx.alerts.modal_title')));
    modal.appendChild(el('p', { class: 'tb-card-meta' },
      t('fx.alerts.modal_intro') + ' ¥' + fx.rate.toFixed(2)));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    modal.appendChild(field(t('fx.alerts.direction'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.direction = e.target.value; } },
        el('option', { value: 'gt', selected: draft.direction === 'gt' }, t('fx.alerts.gt')),
        el('option', { value: 'lt', selected: draft.direction === 'lt' }, t('fx.alerts.lt')),
      )));
    modal.appendChild(field(t('fx.alerts.threshold'),
      el('input', { type: 'number', class: 'tb-input', step: '0.5', min: '0',
        value: draft.threshold_jpy_per_usd,
        oninput: (e) => {
          const v = parseFloat(e.target.value);
          draft.threshold_jpy_per_usd = isFinite(v) ? v : draft.threshold_jpy_per_usd;
        } }),
      t('fx.alerts.threshold.help')));
    modal.appendChild(field(t('fx.alerts.label'),
      el('input', { type: 'text', class: 'tb-input',
        value: draft.label || '',
        placeholder: t('fx.alerts.label.placeholder'),
        oninput: (e) => { draft.label = e.target.value; } })));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('fx.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => {
        const arr = getAlerts();
        const i = arr.findIndex((x) => x.id === draft.id);
        if (i >= 0) arr[i] = draft; else arr.push(draft);
        setAlerts(arr);
        close(); rerender();
      } }, t('fx.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Resources ──────────────────────────────────────────────────

  function buildResourcesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'fx' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📚 ' + t('fx.section.resources')));

    function resource(title, desc, url) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-fx)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      },
        el('div', { style: { fontWeight: '600' } }, title),
        el('div', { class: 'tb-field-help', style: { margin: '4px 0' } }, desc),
        url ? el('a', { href: url, target: '_blank', rel: 'noopener noreferrer',
          style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)' } }, url + ' →') : null,
      );
    }
    card.appendChild(resource(t('fx.resources.wise.title'), t('fx.resources.wise.body'), 'https://wise.com/jp/compare/'));
    card.appendChild(resource(t('fx.resources.treasury.title'), t('fx.resources.treasury.body'),
      'https://fiscaldata.treasury.gov/datasets/treasury-reporting-rates-exchange/treasury-reporting-rates-of-exchange'));
    card.appendChild(resource(t('fx.resources.sony.title'), t('fx.resources.sony.body'), 'https://moneykit.net/'));
    card.appendChild(resource(t('fx.resources.schwab.title'), t('fx.resources.schwab.body'), 'https://international.schwab.com/'));
    return card;
  }

  // ====================================================================
  // Action Center generators
  // ====================================================================

  // FBAR threshold approach — fires when foreign aggregate is between
  // 75% and 100% of $10K (heads-up before the rule trips), or when
  // already over but no FBAR filed for the current year.
  function genFbarThresholdApproaching() {
    const out = [];
    const agg = computeForeignAggregateUsd();
    const status = fbarStatus(agg.usd);
    const fbar = TB.state.get('fbar') || {};
    const filings = Array.isArray(fbar.filing_history) ? fbar.filing_history : [];
    const filedThisYear = filings.some((f) => f.year === agg.year);

    if (status.level === 'approaching') {
      out.push({
        id: 'fx_fbar_approaching_' + agg.year,
        group: 'fx',
        urgency: 'medium',
        icon: '🚨',
        title: 'FBAR threshold approaching — $' + Math.round(agg.usd).toLocaleString() + ' of $10K',
        body: 'Your foreign account aggregate is within 25% of the $10K FBAR threshold. Crossing it (at any point during the year, even briefly) requires filing FinCEN 114 by April 15. Plan transfers carefully — open FX & Banking → FBAR threshold awareness for context.',
        module: 'fx-banking', snoozable: true,
      });
    } else if (status.level === 'required' && !filedThisYear) {
      out.push({
        id: 'fx_fbar_required_unfiled_' + agg.year,
        group: 'fx',
        urgency: 'high',
        icon: '🚨',
        title: 'FBAR required but not yet filed for ' + agg.year,
        body: 'Your foreign account aggregate ($' + Math.round(agg.usd).toLocaleString() +
          ') exceeded the $10K FBAR threshold. FinCEN 114 due April 15 (auto-extended to October 15). File via the BSA E-Filing System (separate from your 1040). Penalties for non-filing: up to $16,536 per report (non-willful), or the greater of $165,353 or 50% of the balance (willful).',
        module: 'fx-banking', snoozable: false,
      });
    }
    return out;
  }

  function genRateAlertTriggered() {
    const out = [];
    const alerts = getAlerts();
    if (alerts.length === 0) return out;
    const fx = currentJpyPerUsd();
    alerts.forEach((a) => {
      const triggered = a.direction === 'gt'
        ? fx.rate > a.threshold_jpy_per_usd
        : fx.rate < a.threshold_jpy_per_usd;
      if (!triggered) return;
      out.push({
        id: 'fx_alert_' + a.id,
        group: 'fx',
        urgency: 'medium',
        icon: '🔔',
        title: 'USD/JPY ' + (a.direction === 'gt' ? 'above' : 'below') + ' ¥' +
          a.threshold_jpy_per_usd + ' (now ¥' + fx.rate.toFixed(2) + ')',
        body: 'Your rate alert is triggered' + (a.label ? ': ' + a.label : '') +
          '. Open FX & Banking → Transfer cost calculator to lock in the rate, OR review the multi-currency holding strategy if you want to hold instead of convert.',
        module: 'fx-banking', snoozable: true,
      });
    });
    return out;
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id, label_en: 'FX & Banking', label_jp: '為替・銀行', render,
    searchSections: SECTIONS,
  };

  window.TB.fxBanking = {
    actionGenerators: [genFbarThresholdApproaching, genRateAlertTriggered],
    currentJpyPerUsd, liveJpyPerUsd, platformDelivers, PLATFORMS,
    computeForeignAggregateUsd, fbarStatus, FBAR_THRESHOLD_USD,
  };
})();

</script>
  <script data-source="scripts/modules/decumulation.js">
/* Taigan Bridge — modules/decumulation.js
 *
 * Retirement Decumulation — closes the planning loop. Projections
 * models accumulation; this module covers the JP-resident-aware
 * decumulation strategies that don't fit cleanly into accumulation
 * projection math:
 *
 *   - US Social Security claiming optimizer (early/FRA/70 trade-off
 *     with US-Japan totalization treaty consideration)
 *   - WEP/GPO context — REPEALED Jan 2025 by the Social Security
 *     Fairness Act. 厚生年金 recipients no longer face the 50%
 *     reduction on US SS that applied for decades.
 *   - JP 国民年金 / 厚生年金 eligibility check (10y minimum for any
 *     benefit; 25y formerly required for full)
 *   - Withdrawal sequence — the standard US "taxable → pre-tax → Roth"
 *     order is often suboptimal for high-JP-bracket residents
 *   - RMD planning (US 73; no JP equivalent)
 *
 * Cross-references:
 *   - Projections     : current_age, retire_age, ss_start_age, drawdown_order
 *   - Resident        : 永住者 status (drives JP tax bracket assumption)
 *   - Tax Coordinator : FEIE/FTC election + filing status
 *   - Healthcare      : Medicare A+B for TFL coordination
 */

(function () {
  'use strict';

  const id = 'decumulation';

  // ====================================================================
  // Reference data
  // ====================================================================

  // SS claim age trade-offs (approximate, illustrative).
  // Reduction at 62: 30% below FRA. Bonus at 70: ~32% above FRA.
  const SS_CLAIM_AGES = [
    { age: 62, monthly_pct_of_fra: 0.70, label: 'Early — biggest discount' },
    { age: 65, monthly_pct_of_fra: 0.86, label: '3y before FRA' },
    { age: 67, monthly_pct_of_fra: 1.00, label: 'FRA (current)' },
    { age: 68, monthly_pct_of_fra: 1.08, label: '+8% delayed-retirement credit' },
    { age: 69, monthly_pct_of_fra: 1.16, label: '+16% delayed-retirement credit' },
    { age: 70, monthly_pct_of_fra: 1.24, label: 'Maximum benefit' },
  ];

  // JP pension minimums.
  const JP_PENSION_MIN_YEARS = 10;     // Lowered from 25 in 2017
  const JP_PENSION_FULL_YEARS = 40;    // 国民年金 full benefit at 40y contribution

  // Current-year reference figures for vesting / payout math.
  // FY = Japanese fiscal year (Apr-Mar). Updated annually by the
  // Pension Service. These are FY2026 estimates derived from recent
  // COLA adjustments — verify on the nenkin.go.jp site before relying.
  const JP_PENSION_PREMIUM_MONTHLY_FY2026 = 17920;   // 国民年金 monthly premium
  const JP_PENSION_FULL_BENEFIT_ANNUAL_FY2026 = 847300; // full 国民年金 at 40y, ¥/yr

  // ====================================================================
  // State accessors
  // ====================================================================

  // ====================================================================
  // Vision import — 年金定期便 / SSA statement (v0.60)
  // ====================================================================
  //
  // Both helpers fill ONLY blank fields on the draft so the user's
  // existing data is preserved. The modal closes and reopens after
  // a successful extraction so populated inputs render fresh values.
  async function runNenkinVision(file, draft, statusEl, onApplied) {
    const t = TB.i18n.t;
    statusEl.textContent = '⏳ ' + t('decum.jp_pension.import.processing');
    statusEl.style.color = 'var(--tb-text-soft)';
    try {
      const result = await TB.ai.callClaudeVisionForStructuredDoc(file, 'pension_statement_jp', {
        feature: 'document_vision',
      });
      const ext = (result && result.extracted) || {};
      const cost = (result.cost_usd || 0).toFixed(4);
      const filled = [];
      // Convert paid months → years (rounded to 0.5)
      function monthsToYears(m) {
        if (m == null || !isFinite(m)) return null;
        return Math.round((m / 12) * 2) / 2;
      }
      if (draft.kokumin_nenkin_years == null && ext.kokumin_paid_months != null) {
        draft.kokumin_nenkin_years = monthsToYears(ext.kokumin_paid_months);
        filled.push('kokumin_years');
      }
      if (draft.kosei_nenkin_years == null && ext.kosei_paid_months != null) {
        draft.kosei_nenkin_years = monthsToYears(ext.kosei_paid_months);
        filled.push('kosei_years');
      }
      // 年金定期便 gives an ANNUAL estimate; convert to monthly. Route to
      // kokumin slot as a default since we can't disaggregate without
      // more context — user can re-allocate manually.
      if (ext.estimated_annual_pension_jpy != null
          && draft.kokumin_estimated_monthly_jpy == null
          && draft.kosei_estimated_monthly_jpy == null) {
        draft.kokumin_estimated_monthly_jpy = Math.round(ext.estimated_annual_pension_jpy / 12);
        filled.push('estimated_monthly');
      }
      // Append helpful info to notes
      const noteBits = [];
      if (ext.as_of_date) noteBits.push(t('decum.jp_pension.import.notes.asOf', { date: ext.as_of_date }));
      if (ext.lifetime_contributions_jpy != null) {
        noteBits.push(t('decum.jp_pension.import.notes.contributions', { jpy: Math.round(ext.lifetime_contributions_jpy).toLocaleString() }));
      }
      if (ext.notes) noteBits.push(ext.notes);
      if (noteBits.length) {
        const note = noteBits.join(' · ');
        const cur = (draft.notes || '').trim();
        draft.notes = cur ? cur + '\n— ' + note : note;
        filled.push('notes');
      }
      if (filled.length === 0) {
        statusEl.textContent = '⚠ ' + t('decum.jp_pension.import.nothing') + ' · $' + cost;
        statusEl.style.color = 'var(--tb-warn)';
        return;
      }
      // Persist the partial draft so the reopen picks it up.
      setSection('jp_pension', draft);
      statusEl.textContent = '✓ ' + t('decum.jp_pension.import.done', { n: filled.length, cost });
      statusEl.style.color = 'var(--tb-success)';
      setTimeout(() => { try { onApplied && onApplied(); } catch (_) {} }, 600);
    } catch (err) {
      statusEl.textContent = '✗ ' + (err.message || err);
      statusEl.style.color = 'var(--tb-error)';
    }
  }

  async function runSsaStatementVision(file, draft, statusEl, onApplied) {
    const t = TB.i18n.t;
    statusEl.textContent = '⏳ ' + t('decum.ss.import.processing');
    statusEl.style.color = 'var(--tb-text-soft)';
    try {
      const result = await TB.ai.callClaudeVisionForStructuredDoc(file, 'ssa_statement', {
        feature: 'document_vision',
      });
      const ext = (result && result.extracted) || {};
      const cost = (result.cost_usd || 0).toFixed(4);
      const filled = [];
      // Capture all three age estimates in notes — the chosen-age
      // dropdown picks one, so the user sees all options at once.
      const ageBits = [];
      if (ext.estimated_monthly_at_62_usd != null)  ageBits.push('62: $' + Math.round(ext.estimated_monthly_at_62_usd).toLocaleString() + '/mo');
      if (ext.estimated_monthly_at_fra_usd != null) ageBits.push('FRA' + (ext.fra_age ? ' (' + ext.fra_age + ')' : '') + ': $' + Math.round(ext.estimated_monthly_at_fra_usd).toLocaleString() + '/mo');
      if (ext.estimated_monthly_at_70_usd != null)  ageBits.push('70: $' + Math.round(ext.estimated_monthly_at_70_usd).toLocaleString() + '/mo');
      if (ageBits.length) {
        const noteParts = [t('decum.ss.import.notes.estimates')];
        noteParts.push(ageBits.join(' · '));
        if (ext.credits_earned != null) noteParts.push(t('decum.ss.import.notes.credits', { n: ext.credits_earned }));
        if (ext.as_of_year) noteParts.push(t('decum.ss.import.notes.asOf', { year: ext.as_of_year }));
        if (ext.disability_monthly_usd != null) noteParts.push('SSDI: $' + Math.round(ext.disability_monthly_usd).toLocaleString() + '/mo');
        if (ext.survivors_monthly_usd != null) noteParts.push('Survivors: $' + Math.round(ext.survivors_monthly_usd).toLocaleString() + '/mo');
        if (ext.notes) noteParts.push(ext.notes);
        const note = noteParts.join('\n');
        const cur = (draft.notes || '').trim();
        draft.notes = cur ? cur + '\n\n— ' + note : note;
        filled.push('notes');
      }
      // If chosen_age already set, sync the corresponding monthly estimate
      if (draft.chosen_age && draft.estimated_monthly_at_chosen_age_usd == null) {
        let v = null;
        if (draft.chosen_age === 62) v = ext.estimated_monthly_at_62_usd;
        else if (draft.chosen_age === 70) v = ext.estimated_monthly_at_70_usd;
        else v = ext.estimated_monthly_at_fra_usd; // FRA fallback
        if (v != null) {
          draft.estimated_monthly_at_chosen_age_usd = Math.round(v);
          filled.push('estimated_monthly_at_chosen_age');
        }
      }
      if (filled.length === 0) {
        statusEl.textContent = '⚠ ' + t('decum.ss.import.nothing') + ' · $' + cost;
        statusEl.style.color = 'var(--tb-warn)';
        return;
      }
      setSection('ss_claiming', draft);
      statusEl.textContent = '✓ ' + t('decum.ss.import.done', { n: filled.length, cost });
      statusEl.style.color = 'var(--tb-success)';
      setTimeout(() => { try { onApplied && onApplied(); } catch (_) {} }, 600);
    } catch (err) {
      statusEl.textContent = '✗ ' + (err.message || err);
      statusEl.style.color = 'var(--tb-error)';
    }
  }

  function getDecum()     { return TB.state.get('decumulation') || {}; }
  function getSs()        { return getDecum().ss_claiming || {}; }
  function getJpPension() { return getDecum().jp_pension || {}; }
  function getWithdrawal() { return getDecum().withdrawal || {}; }
  function getRmdPlanning() { return getDecum().rmd_planning || {}; }

  function setSection(section, value) {
    const d = getDecum();
    d[section] = value;
    TB.state.set('decumulation', d);
  }

  // ── Cross-module reads ───────────────────────────────────────────

  function selfAge() {
    const v = TB.state.get('projections.inputs.current_age');
    return typeof v === 'number' ? v : null;
  }
  function retireAge() {
    const v = TB.state.get('projections.inputs.retire_age');
    return typeof v === 'number' ? v : null;
  }
  function ssStartAgeFromProjections() {
    const v = TB.state.get('projections.inputs.ss_start_age');
    return typeof v === 'number' ? v : null;
  }
  function ssMonthlyAt70UsdFromProjections() {
    const v = TB.state.get('projections.inputs.ss_monthly_at_70_usd');
    return typeof v === 'number' ? v : null;
  }
  function isJpResident() {
    const a = TB.state.get('onboarding.answers') || {};
    const tracks = TB.state.get('tracks') || [];
    return a.juminhyou === 'yes' ||
      a.years_in_japan === '5_to_10' || a.years_in_japan === 'over_10' ||
      tracks.indexOf('resident') !== -1;
  }
  function isPrForTax() {
    if (TB.resident && typeof TB.resident.yearsInJapan === 'function') {
      const yrs = TB.resident.yearsInJapan();
      return yrs != null && yrs >= 6;
    }
    return false;
  }

  // ====================================================================
  // Module render
  // ====================================================================

  let host = null;
  let listenerSet = false;

  const SECTIONS = [
    { id: 'header',    always: true, builder: () => buildHeaderCard() },
    { id: 'overview',  always: true, builder: () => buildOverviewCard() },
    {
      id: 'ss_claiming',
      label_en: 'US Social Security claiming strategy',
      label_jp: '米国 SS 受給戦略',
      description_en: 'Early (62) / FRA (67) / Delayed (70) trade-off with totalization treaty.',
      description_jp: '早期(62)・FRA(67)・繰下げ(70)のトレードオフと社会保障協定。',
      auto_show: () => true,
      builder: () => buildSsCard(),
    },
    {
      id: 'wep_gpo',
      label_en: 'WEP / GPO repeal (Social Security Fairness Act 2024)',
      label_jp: 'WEP / GPO 廃止(2024 年社会保障公平法)',
      description_en: 'Late-2024 repeal removed the 50% SS reduction that hit 厚生年金 recipients for decades.',
      description_jp: '2024 年末の廃止により、長年厚生年金受給者を悩ませた 50% SS 減額が撤廃。',
      auto_show: () => true,
      builder: () => buildWepGpoCard(),
    },
    {
      id: 'jp_pension',
      label_en: 'JP 国民年金 / 厚生年金 eligibility',
      label_jp: '国民年金 / 厚生年金 受給資格',
      description_en: '10y minimum for any benefit. Tracks contribution years + estimated monthly amounts.',
      description_jp: '受給最低 10 年。拠出年数と月額見込みを追跡。',
      auto_show: () => isJpResident() || isPrForTax(),
      builder: () => buildJpPensionCard(),
    },
    {
      id: 'jp_vesting_paths',
      label_en: 'JP pension vesting strategies (backpay, voluntary, totalization)',
      label_jp: 'JP 年金受給資格の獲得戦略(追納・任意加入・社会保障協定)',
      description_en: '4 paths to clear the 10-year hurdle: 追納 (back-pay exempted periods), 任意加入 (voluntary 60-65), totalization (US years count for vesting), カラ期間 (PR/naturalization complementary period).',
      description_jp: '10 年要件を満たす 4 つの方法:追納(免除期間の遡及納付)・任意加入(60-65 歳)・社会保障協定(米国年数を算入)・カラ期間(永住権・帰化者の合算対象期間)。',
      auto_show: () => isJpResident() || isPrForTax(),
      builder: () => buildJpVestingPathsCard(),
    },
    {
      id: 'withdrawal_sequence',
      label_en: 'Withdrawal sequence (JP-resident-aware)',
      label_jp: '取崩し順序(日本居住考慮)',
      description_en: 'Standard US "taxable → pre-tax → Roth" order is often wrong for high-JP-bracket residents. JP-aware alternatives.',
      description_jp: '標準的な「課税口座 → 前税口座 → Roth」順序は日本高税率居住者には不適切。日本居住者向けの代替戦略。',
      auto_show: () => true,
      builder: () => buildWithdrawalCard(),
    },
    {
      id: 'rmd',
      label_en: 'RMD planning (age 73)',
      label_jp: 'RMD 計画(73 歳)',
      description_en: 'Required Minimum Distributions begin at 73. Pre-RMD Roth conversion + QCD strategies.',
      description_jp: '必要最低分配額は 73 歳から。RMD 前の Roth 転換と QCD 戦略。',
      auto_show: () => {
        const a = selfAge();
        return a == null || a >= 60;
      },
      builder: () => buildRmdCard(),
    },
    {
      id: 'healthcare_bridge',
      label_en: 'Healthcare bridge to Medicare',
      label_jp: 'Medicare までの医療カバレッジ橋渡し',
      description_en: 'Cross-link to Healthcare module: Medicare Part B decision, TFL coordination, JP coverage during the gap.',
      description_jp: '医療モジュールへの相互リンク:Medicare Part B 判断・TFL 調整・空白期間の日本側カバー。',
      auto_show: () => {
        const r = retireAge();
        return r != null && r < 65;  // retiring before Medicare eligibility = bridge needed
      },
      builder: () => buildHealthcareBridgeCard(),
    },
    { id: 'resources', always: true, builder: () => buildResourcesCard() },
  ];

  function render(container) {
    host = container;
    if (!listenerSet) {
      TB.customize.onChange(id, () => rerender());
      listenerSet = true;
    }
    container.innerHTML = '';
    SECTIONS.forEach((s) => {
      if (s.always || TB.customize.isSectionEnabled(id, s.id, s.auto_show)) {
        container.appendChild(s.builder());
      }
    });
    container.appendChild(TB.customize.buildPanel(id, SECTIONS));
  }
  function rerender() { if (host) render(host); }

  // ─── Header ───────────────────────────────────────────────────────

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    return el('div', { class: 'tb-card', 'data-track': 'retire' },
      el('div', { class: 'tb-card-meta' },
        el('span', { class: 'tb-badge tb-badge--track', 'data-track': 'retire' },
          t('decum.badge')),
      ),
      el('h1', null, '🌅 ' + t('decum.title')),
      el('p', { class: 'tb-card-meta' }, t('decum.subtitle')),
    );
  }

  // ─── Overview card ───────────────────────────────────────────────

  function buildOverviewCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const age = selfAge();
    const retire = retireAge();
    const ss = getSs();
    const jp = getJpPension();
    const wd = getWithdrawal();

    const card = el('div', { class: 'tb-card', 'data-track': 'retire' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📋 ' + t('decum.section.overview')));

    const tiles = el('div', {
      style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(180px, 1fr))', gap: 'var(--tb-sp-3)' },
    });
    function tile(label, value, color, hint) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-2)', border: '1px solid var(--tb-border)',
          borderTop: '3px solid ' + (color || 'var(--tb-track-retire)'),
        },
      },
        el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginBottom: '4px' } }, label),
        el('div', { style: { fontWeight: '700', fontSize: 'var(--tb-fs-18)' } }, value),
        hint ? el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginTop: '4px' } }, hint) : null,
      );
    }

    // Years to retirement
    if (age != null && retire != null) {
      const yearsTo = retire - age;
      tiles.appendChild(tile(
        t('decum.overview.years_to_retire'),
        yearsTo > 0 ? yearsTo + 'y' : t('decum.overview.retired'),
        yearsTo <= 5 ? 'var(--tb-warn)' : 'var(--tb-track-retire)',
      ));
    }

    // SS claim age chosen
    const chosenSsAge = ss.chosen_age || ssStartAgeFromProjections();
    if (chosenSsAge) {
      tiles.appendChild(tile(
        t('decum.overview.ss_claim_age'),
        String(chosenSsAge),
        'var(--tb-track-retire)',
        chosenSsAge >= 70 ? t('decum.overview.ss_max') :
          chosenSsAge >= 67 ? t('decum.overview.ss_fra') :
          t('decum.overview.ss_early'),
      ));
    }

    // JP pension status
    const jpYears = (jp.kokumin_nenkin_years || 0) + (jp.kosei_nenkin_years || 0);
    if (jpYears > 0 || isJpResident()) {
      tiles.appendChild(tile(
        t('decum.overview.jp_pension_years'),
        jpYears + 'y',
        jpYears >= JP_PENSION_MIN_YEARS ? 'var(--tb-success)' :
          jpYears > 0 ? 'var(--tb-warn)' : 'var(--tb-text-soft)',
        jpYears >= JP_PENSION_MIN_YEARS
          ? t('decum.overview.jp_eligible')
          : (JP_PENSION_MIN_YEARS - jpYears) + 'y ' + t('decum.overview.jp_to_eligible'),
      ));
    }

    // RMD time horizon
    if (age != null) {
      const yearsToRmd = 73 - age;
      if (yearsToRmd > 0 && yearsToRmd < 25) {
        tiles.appendChild(tile(
          t('decum.overview.years_to_rmd'),
          yearsToRmd + 'y',
          yearsToRmd <= 5 ? 'var(--tb-warn)' : 'var(--tb-track-retire)',
          t('decum.overview.rmd_age_73'),
        ));
      }
    }

    card.appendChild(tiles);
    return card;
  }

  // ─── SS claiming strategy card ──────────────────────────────────

  function buildSsCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const ss = getSs();
    const baseFra = ssMonthlyAt70UsdFromProjections() || ss.estimated_monthly_at_chosen_age_usd || 0;
    // Derive the FRA-equivalent if user gave us "at 70" amount.
    const fraEquivalent = baseFra ? baseFra / 1.24 : 0;

    const card = el('div', { class: 'tb-card', 'data-track': 'retire' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🇺🇸 ' + t('decum.section.ss_claiming')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openSsModal() }, '✎ ' + t('decum.edit')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('decum.ss.intro')));

    // Claim-age comparison table
    if (fraEquivalent > 0) {
      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px', marginTop: 'var(--tb-sp-2)' } });
      const headers = el('div', {
        style: { display: 'grid', gridTemplateColumns: '60px 1fr 100px 100px',
          gap: 'var(--tb-sp-2)', padding: '4px var(--tb-sp-3)',
          fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' },
      },
        el('span', null, t('decum.ss.col.age')),
        el('span', null, ''),
        el('span', { style: { textAlign: 'right' } }, t('decum.ss.col.monthly')),
        el('span', { style: { textAlign: 'right' } }, t('decum.ss.col.lifetime')),
      );
      list.appendChild(headers);
      SS_CLAIM_AGES.forEach((c) => {
        const monthly = fraEquivalent * c.monthly_pct_of_fra;
        const yearsCollected = 90 - c.age;
        const lifetime = monthly * 12 * yearsCollected;
        const isChosen = ss.chosen_age === c.age;
        list.appendChild(el('div', {
          style: { display: 'grid', gridTemplateColumns: '60px 1fr 100px 100px',
            gap: 'var(--tb-sp-2)', padding: 'var(--tb-sp-2) var(--tb-sp-3)',
            background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
            borderLeft: '3px solid ' + (isChosen ? 'var(--tb-success)' : 'transparent'),
            alignItems: 'baseline' },
        },
          el('span', { style: { fontWeight: '600' } }, String(c.age)),
          el('span', { class: 'tb-field-help' }, c.label),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)', textAlign: 'right' } },
            '$' + Math.round(monthly).toLocaleString()),
          el('span', { style: { fontFamily: 'var(--tb-font-mono)', textAlign: 'right',
            fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' } },
            '$' + Math.round(lifetime / 1000).toLocaleString() + 'K'),
        ));
      });
      card.appendChild(list);
      card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
        t('decum.ss.lifetime_assumes')));
    } else {
      card.appendChild(el('p', { class: 'tb-field-help' },
        t('decum.ss.set_estimate_in_projections')));
    }

    // Strategy tips
    const ul = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)' } });
    [
      'decum.ss.tip.delay_for_longevity',
      'decum.ss.tip.early_for_health',
      'decum.ss.tip.spousal_strategy',
      'decum.ss.tip.totalization',
      'decum.ss.tip.taxed_in_jp',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(ul);

    return card;
  }

  function openSsModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({
      chosen_age: null, estimated_monthly_at_chosen_age_usd: null,
      spouse_strategy: null, notes: '',
    }, getSs());

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('decum.modal.ss')));

    // SSA statement vision import — pre-fills the chosen-age estimate
    // when the user picks 62/FRA/70 in the dropdown afterward, by
    // pulling the corresponding line from the statement. We capture
    // all three estimates into notes so the user can see them when
    // choosing chosen_age.
    if (TB.ai && typeof TB.ai.callClaudeVisionForStructuredDoc === 'function') {
      const visionStatus = el('div', { style: { fontSize: '11px', color: 'var(--tb-text-soft)', marginTop: '4px', minHeight: '1em' } });
      const visionInput = el('input', {
        type: 'file',
        accept: 'image/png,image/jpeg,image/jpg,image/webp,application/pdf',
        style: { display: 'none' },
        onchange: async (e) => {
          const f = e.target.files && e.target.files[0];
          if (f) await runSsaStatementVision(f, draft, visionStatus, () => {
            close(); openSsModal();
          });
          e.target.value = '';
        },
      });
      modal.appendChild(el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)', marginBottom: 'var(--tb-sp-3)',
          display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)', flexWrap: 'wrap' },
      },
        el('button', {
          class: 'tb-btn tb-btn--secondary', type: 'button',
          style: { padding: '4px 10px', fontSize: '11px' },
          onclick: (e) => { e.preventDefault(); visionInput.click(); },
        }, '📎 ' + t('decum.ss.import.btn')),
        visionInput,
        el('span', { style: { fontSize: '11px', color: 'var(--tb-text-soft)', flex: '1', minWidth: '180px' } },
          t('decum.ss.import.help')),
        visionStatus,
      ));
    }

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    modal.appendChild(field(t('decum.ss.chosen_age'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.chosen_age = parseInt(e.target.value, 10) || null; } },
        el('option', { value: '', selected: !draft.chosen_age }, '—'),
        ...SS_CLAIM_AGES.map((c) => el('option', {
          value: String(c.age), selected: draft.chosen_age === c.age,
        }, c.age + ' — ' + c.label)),
      )));

    modal.appendChild(field(t('decum.ss.spouse_strategy'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.spouse_strategy = e.target.value || null; } },
        el('option', { value: '', selected: !draft.spouse_strategy }, '—'),
        el('option', { value: 'individual',     selected: draft.spouse_strategy === 'individual' },     t('decum.ss.spouse.individual')),
        el('option', { value: 'spousal_first',  selected: draft.spouse_strategy === 'spousal_first' },  t('decum.ss.spouse.spousal_first')),
        el('option', { value: 'survivor_max',   selected: draft.spouse_strategy === 'survivor_max' },   t('decum.ss.spouse.survivor_max')),
      ),
      t('decum.ss.spouse_strategy.help')));

    modal.appendChild(field(t('decum.ss.notes'),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.notes = e.target.value; } }, draft.notes || '')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('decum.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('ss_claiming', draft); close(); rerender(); } }, t('decum.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── WEP/GPO repeal card ────────────────────────────────────────

  function buildWepGpoCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'retire' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🎉 ' + t('decum.section.wep_gpo')));

    // Banner — good news!
    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-success)',
        background: 'rgba(47, 111, 78, 0.06)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-14)',
      },
    },
      el('div', { style: { fontWeight: '600', marginBottom: '4px' } }, '✓ ' + t('decum.wep_gpo.banner_label')),
      el('p', { style: { margin: 0 } }, t('decum.wep_gpo.banner_body')),
    ));

    const ul = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)' } });
    [
      'decum.wep_gpo.point.what_was_wep',
      'decum.wep_gpo.point.what_was_gpo',
      'decum.wep_gpo.point.fairness_act',
      'decum.wep_gpo.point.retroactive',
      'decum.wep_gpo.point.contact_ssa',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(ul);

    return card;
  }

  // ─── JP pension card ────────────────────────────────────────────

  function buildJpPensionCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const jp = getJpPension();
    const totalYears = (jp.kokumin_nenkin_years || 0) + (jp.kosei_nenkin_years || 0);
    const eligible = totalYears >= JP_PENSION_MIN_YEARS;

    const card = el('div', { class: 'tb-card', 'data-track': 'retire' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🇯🇵 ' + t('decum.section.jp_pension')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openJpPensionModal() }, '✎ ' + t('decum.edit')),
    ));

    // Eligibility banner
    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        borderLeft: '3px solid ' + (eligible ? 'var(--tb-success)' : totalYears > 0 ? 'var(--tb-warn)' : 'var(--tb-text-soft)'),
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-2)',
      },
    },
      el('div', { style: { fontWeight: '600' } },
        eligible ? '✓ ' + t('decum.jp_pension.eligible') :
          totalYears > 0
            ? '○ ' + t('decum.jp_pension.partial', { years: totalYears, needed: JP_PENSION_MIN_YEARS })
            : t('decum.jp_pension.no_contributions')),
      el('div', { class: 'tb-field-help', style: { marginTop: '4px' } },
        t('decum.jp_pension.kokumin') + ': ' + (jp.kokumin_nenkin_years || 0) + 'y · ' +
        t('decum.jp_pension.kosei')   + ': ' + (jp.kosei_nenkin_years || 0) + 'y'),
    ));

    // Estimated monthly
    if (jp.kokumin_estimated_monthly_jpy || jp.kosei_estimated_monthly_jpy) {
      const total = (jp.kokumin_estimated_monthly_jpy || 0) + (jp.kosei_estimated_monthly_jpy || 0);
      card.appendChild(el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginTop: 'var(--tb-sp-2)' },
      },
        el('div', { class: 'tb-field-help' }, t('decum.jp_pension.estimated_monthly')),
        el('div', { style: { fontFamily: 'var(--tb-font-mono)', fontWeight: '700', fontSize: 'var(--tb-fs-22)' } },
          '¥' + total.toLocaleString())));
    }

    if (jp.has_japan_coverage_certificate) {
      card.appendChild(el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-success)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-12)' },
      }, '✓ ' + t('decum.jp_pension.has_certificate')));
    }

    // Education content
    const ul = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)' } });
    [
      'decum.jp_pension.point.10y_minimum',
      'decum.jp_pension.point.40y_full',
      'decum.jp_pension.point.totalization',
      'decum.jp_pension.point.lump_sum_withdrawal',
      'decum.jp_pension.point.taxed_under_treaty',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(ul);

    return card;
  }

  function openJpPensionModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({
      kokumin_nenkin_years: null, kosei_nenkin_years: null,
      kokumin_estimated_monthly_jpy: null, kosei_estimated_monthly_jpy: null,
      has_japan_coverage_certificate: false, notes: '',
    }, getJpPension());

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('decum.modal.jp_pension')));

    // 年金定期便 vision import — pre-fills paid months / estimated
    // monthly JP pension. Only fills blanks; never overwrites user
    // edits. We don't have separate kokumin/kosei "estimated monthly"
    // on a 年金定期便 (it gives a combined annual estimate) so we
    // route the combined into the kokumin field as the safer default
    // and append a notes line so the user can re-allocate if needed.
    if (TB.ai && typeof TB.ai.callClaudeVisionForStructuredDoc === 'function') {
      const visionStatus = el('div', { style: { fontSize: '11px', color: 'var(--tb-text-soft)', marginTop: '4px', minHeight: '1em' } });
      const visionInput = el('input', {
        type: 'file',
        accept: 'image/png,image/jpeg,image/jpg,image/webp,application/pdf',
        style: { display: 'none' },
        onchange: async (e) => {
          const f = e.target.files && e.target.files[0];
          if (f) await runNenkinVision(f, draft, visionStatus, () => {
            close(); openJpPensionModal();
          });
          e.target.value = '';
        },
      });
      modal.appendChild(el('div', {
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-1)', marginBottom: 'var(--tb-sp-3)',
          display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)', flexWrap: 'wrap' },
      },
        el('button', {
          class: 'tb-btn tb-btn--secondary', type: 'button',
          style: { padding: '4px 10px', fontSize: '11px' },
          onclick: (e) => { e.preventDefault(); visionInput.click(); },
        }, '📎 ' + t('decum.jp_pension.import.btn')),
        visionInput,
        el('span', { style: { fontSize: '11px', color: 'var(--tb-text-soft)', flex: '1', minWidth: '180px' } },
          t('decum.jp_pension.import.help')),
        visionStatus,
      ));
    }

    function num(label, key, help, placeholder) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        el('input', { type: 'number', class: 'tb-input', step: '0.5', min: '0',
          value: draft[key] != null ? draft[key] : '',
          placeholder: placeholder || '',
          oninput: (e) => {
            const v = parseFloat(e.target.value);
            draft[key] = isFinite(v) ? v : null;
          } }),
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    const grid = el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-2)' } });
    grid.appendChild(num(t('decum.jp_pension.kokumin') + ' ' + t('decum.jp_pension.years'), 'kokumin_nenkin_years', null, '0'));
    grid.appendChild(num(t('decum.jp_pension.kosei') + ' ' + t('decum.jp_pension.years'), 'kosei_nenkin_years', null, '0'));
    grid.appendChild(num(t('decum.jp_pension.kokumin') + ' ¥/mo', 'kokumin_estimated_monthly_jpy', null, '65000'));
    grid.appendChild(num(t('decum.jp_pension.kosei') + ' ¥/mo', 'kosei_estimated_monthly_jpy', null, '120000'));
    modal.appendChild(grid);

    const cb = el('input', { type: 'checkbox', checked: !!draft.has_japan_coverage_certificate,
      style: { marginRight: '8px' },
      onchange: (e) => { draft.has_japan_coverage_certificate = !!e.target.checked; } });
    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
        cb, t('decum.jp_pension.coverage_cert')),
      el('div', { class: 'tb-field-help' }, t('decum.jp_pension.coverage_cert.help'))));

    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label' }, t('decum.jp_pension.notes')),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.notes = e.target.value; } }, draft.notes || '')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('decum.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('jp_pension', draft); close(); rerender(); } }, t('decum.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── JP pension vesting paths card ──────────────────────────────

  function buildJpVestingPathsCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const jp = getJpPension();
    const totalYears = (jp.kokumin_nenkin_years || 0) + (jp.kosei_nenkin_years || 0);

    const card = el('div', { class: 'tb-card', 'data-track': 'retire' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🛤 ' + t('decum.section.vesting_paths')));
    card.appendChild(el('p', null, t('decum.vesting.intro')));

    // Quick context banner — different depending on user's progress
    let bannerColor, bannerLabel, bannerBody;
    if (totalYears >= JP_PENSION_MIN_YEARS) {
      bannerColor = 'var(--tb-success)';
      bannerLabel = '✓ ' + t('decum.vesting.banner.eligible');
      bannerBody = t('decum.vesting.banner.eligible_body', { years: totalYears });
    } else if (totalYears > 0) {
      bannerColor = 'var(--tb-warn)';
      bannerLabel = '○ ' + t('decum.vesting.banner.partial');
      bannerBody = t('decum.vesting.banner.partial_body', {
        years: totalYears, needed: JP_PENSION_MIN_YEARS,
      });
    } else {
      bannerColor = 'var(--tb-track-retire)';
      bannerLabel = t('decum.vesting.banner.no_contributions');
      bannerBody = t('decum.vesting.banner.no_contributions_body');
    }
    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        borderLeft: '3px solid ' + bannerColor,
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        marginBottom: 'var(--tb-sp-3)',
      },
    },
      el('div', { style: { fontWeight: '600', marginBottom: '4px' } }, bannerLabel),
      el('p', { style: { margin: 0, fontSize: 'var(--tb-fs-14)' } }, bannerBody),
    ));

    // 4 path cards
    const paths = [
      {
        id: 'tsuino', icon: '💰',
        title_key: 'decum.vesting.path.tsuino.title',
        when_key:  'decum.vesting.path.tsuino.when',
        how_key:   'decum.vesting.path.tsuino.how',
        gotchas_key: 'decum.vesting.path.tsuino.gotchas',
      },
      {
        id: 'nin_i_kanyu', icon: '⏳',
        title_key: 'decum.vesting.path.nin_i.title',
        when_key:  'decum.vesting.path.nin_i.when',
        how_key:   'decum.vesting.path.nin_i.how',
        gotchas_key: 'decum.vesting.path.nin_i.gotchas',
      },
      {
        id: 'totalization', icon: '🌐',
        title_key: 'decum.vesting.path.totalization.title',
        when_key:  'decum.vesting.path.totalization.when',
        how_key:   'decum.vesting.path.totalization.how',
        gotchas_key: 'decum.vesting.path.totalization.gotchas',
        recommended: true,  // most relevant for US persons
      },
      {
        id: 'kara_kikan', icon: '🛂',
        title_key: 'decum.vesting.path.kara.title',
        when_key:  'decum.vesting.path.kara.when',
        how_key:   'decum.vesting.path.kara.how',
        gotchas_key: 'decum.vesting.path.kara.gotchas',
      },
    ];

    paths.forEach((p) => {
      const wrap = el('details', {
        open: !!p.recommended,
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid ' + (p.recommended ? 'var(--tb-success)' : 'var(--tb-track-retire)'),
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      });
      wrap.appendChild(el('summary', {
        style: { cursor: 'pointer', fontWeight: '600', display: 'flex', alignItems: 'baseline', gap: 'var(--tb-sp-2)' },
      },
        el('span', null, p.icon + ' ' + t(p.title_key)),
        p.recommended
          ? el('span', { class: 'tb-badge', style: { background: 'var(--tb-success)', color: '#fff', fontSize: '10px', padding: '1px 6px' } },
              t('decum.vesting.path.most_relevant'))
          : null,
      ));
      const body = el('div', { style: { marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-14)' } });
      body.appendChild(el('div', { style: { marginBottom: 'var(--tb-sp-2)' } },
        el('strong', null, t('decum.vesting.path.when_label') + ': '),
        t(p.when_key)));
      body.appendChild(el('div', { style: { marginBottom: 'var(--tb-sp-2)' } },
        el('strong', null, t('decum.vesting.path.how_label') + ': '),
        t(p.how_key)));
      body.appendChild(el('div', null,
        el('strong', { style: { color: 'var(--tb-warn)' } }, t('decum.vesting.path.gotchas_label') + ': '),
        t(p.gotchas_key)));
      wrap.appendChild(body);
      card.appendChild(wrap);
    });

    // Strategic worth-it analysis
    const monthlyPremium = JP_PENSION_PREMIUM_MONTHLY_FY2026;
    const annualPremium = monthlyPremium * 12;
    const perYearBenefit = Math.round(JP_PENSION_FULL_BENEFIT_ANNUAL_FY2026 / JP_PENSION_FULL_YEARS);
    const breakeven = (annualPremium / perYearBenefit).toFixed(1);

    card.appendChild(el('h3', { style: { marginTop: 'var(--tb-sp-4)' } }, '🧮 ' + t('decum.vesting.economics.title')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('decum.vesting.economics.intro')));

    const econGrid = el('div', { style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(180px, 1fr))', gap: 'var(--tb-sp-3)' } });
    function tile(label, value, hint, color) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-2)', border: '1px solid var(--tb-border)',
          borderTop: '3px solid ' + (color || 'var(--tb-track-retire)'),
        },
      },
        el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginBottom: '4px' } }, label),
        el('div', { style: { fontWeight: '700', fontSize: 'var(--tb-fs-22)', fontFamily: 'var(--tb-font-mono)' } }, value),
        hint ? el('div', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)', marginTop: '4px' } }, hint) : null,
      );
    }
    econGrid.appendChild(tile(
      t('decum.vesting.economics.premium'),
      '¥' + annualPremium.toLocaleString(),
      '¥' + monthlyPremium.toLocaleString() + '/' + t('decum.vesting.economics.month'),
    ));
    econGrid.appendChild(tile(
      t('decum.vesting.economics.per_year_value'),
      '¥' + perYearBenefit.toLocaleString(),
      t('decum.vesting.economics.per_year_value_hint'),
      'var(--tb-success)',
    ));
    econGrid.appendChild(tile(
      t('decum.vesting.economics.breakeven'),
      breakeven + 'y',
      t('decum.vesting.economics.breakeven_hint'),
    ));
    econGrid.appendChild(tile(
      t('decum.vesting.economics.full_benefit'),
      '¥' + JP_PENSION_FULL_BENEFIT_ANNUAL_FY2026.toLocaleString(),
      t('decum.vesting.economics.at_40_years'),
      'var(--tb-success)',
    ));
    card.appendChild(econGrid);

    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        borderLeft: '3px solid var(--tb-track-retire)',
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-3)', fontSize: 'var(--tb-fs-12)',
      },
    },
      el('strong', null, '💡 ' + t('decum.vesting.economics.strategic_label')),
      el('p', { style: { margin: '4px 0 0' } }, t('decum.vesting.economics.strategic_body')),
    ));

    // Tax treatment note
    card.appendChild(el('div', {
      style: { marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
        fontSize: 'var(--tb-fs-12)' },
    },
      el('strong', null, '📊 ' + t('decum.vesting.tax_label')),
      el('p', { style: { margin: '4px 0 0' } }, t('decum.vesting.tax_body')),
    ));

    return card;
  }

  // ─── Withdrawal sequence card ──────────────────────────────────

  function buildWithdrawalCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const wd = getWithdrawal();
    const isPr = isPrForTax();
    const willBeJpResident = wd.jp_resident_at_retirement === true ||
      (wd.jp_resident_at_retirement == null && (isJpResident() || isPr));

    const card = el('div', { class: 'tb-card', 'data-track': 'retire' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🔀 ' + t('decum.section.withdrawal_sequence')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openWithdrawalModal() }, '✎ ' + t('decum.edit')),
    ));
    card.appendChild(el('p', null, t('decum.withdrawal.intro')));

    // The "wrong default" callout
    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-warn)',
        background: 'rgba(185,122,26,0.06)', borderRadius: 'var(--tb-radius-1)',
        marginTop: 'var(--tb-sp-2)', fontSize: 'var(--tb-fs-14)',
      },
    },
      el('div', { style: { fontWeight: '600', marginBottom: '4px' } }, '⚠ ' + t('decum.withdrawal.wrong_default_label')),
      el('p', { style: { margin: 0 } }, t('decum.withdrawal.wrong_default_body')),
    ));

    // Strategy comparison
    const grid = el('div', { style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(250px, 1fr))', gap: 'var(--tb-sp-3)', marginTop: 'var(--tb-sp-3)' } });
    function tile(title, when, sequence, recommended) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-3)', background: 'var(--tb-bg)',
          borderRadius: 'var(--tb-radius-2)',
          border: recommended ? '2px solid var(--tb-success)' : '1px solid var(--tb-border)',
        },
      },
        el('div', { style: { fontWeight: '700', marginBottom: '4px' } },
          (recommended ? '⭐ ' : '') + title),
        el('div', { class: 'tb-field-help', style: { marginBottom: 'var(--tb-sp-2)' } }, when),
        el('div', { style: { fontSize: 'var(--tb-fs-12)', fontFamily: 'var(--tb-font-mono)' } }, sequence),
      );
    }
    grid.appendChild(tile(
      t('decum.withdrawal.strat.standard'),
      t('decum.withdrawal.strat.standard.when'),
      'taxable → pre-tax → Roth',
      !willBeJpResident,
    ));
    grid.appendChild(tile(
      t('decum.withdrawal.strat.jp_resident'),
      t('decum.withdrawal.strat.jp_resident.when'),
      'Roth → taxable → pre-tax (slowly)',
      willBeJpResident,
    ));
    grid.appendChild(tile(
      t('decum.withdrawal.strat.tax_diversified'),
      t('decum.withdrawal.strat.tax_diversified.when'),
      'Mixed: pull from each bucket annually',
      false,
    ));
    card.appendChild(grid);

    // Insights
    const ul = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)' } });
    [
      'decum.withdrawal.tip.jp_treats_roth_taxable',
      'decum.withdrawal.tip.pre_tax_double_dip',
      'decum.withdrawal.tip.bracket_management',
      'decum.withdrawal.tip.specialist_required',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(ul);

    return card;
  }

  function openWithdrawalModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({
      jp_resident_at_retirement: null, preferred_strategy: null, notes: '',
    }, getWithdrawal());

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('decum.modal.withdrawal')));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    modal.appendChild(field(t('decum.withdrawal.jp_resident_q'),
      el('select', { class: 'tb-select',
        onchange: (e) => {
          const v = e.target.value;
          draft.jp_resident_at_retirement = v === '' ? null : (v === 'yes');
        } },
        el('option', { value: '', selected: draft.jp_resident_at_retirement == null }, t('decum.withdrawal.unsure')),
        el('option', { value: 'yes', selected: draft.jp_resident_at_retirement === true }, t('decum.withdrawal.yes_jp')),
        el('option', { value: 'no',  selected: draft.jp_resident_at_retirement === false }, t('decum.withdrawal.no_us')),
      )));

    modal.appendChild(field(t('decum.withdrawal.preferred'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.preferred_strategy = e.target.value || null; } },
        el('option', { value: '', selected: !draft.preferred_strategy }, '—'),
        el('option', { value: 'standard',         selected: draft.preferred_strategy === 'standard' },         t('decum.withdrawal.strat.standard')),
        el('option', { value: 'roth_first',       selected: draft.preferred_strategy === 'roth_first' },       t('decum.withdrawal.strat.jp_resident')),
        el('option', { value: 'tax_diversified',  selected: draft.preferred_strategy === 'tax_diversified' },  t('decum.withdrawal.strat.tax_diversified')),
      )));

    modal.appendChild(field(t('decum.withdrawal.notes'),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.notes = e.target.value; } }, draft.notes || '')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('decum.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('withdrawal', draft); close(); rerender(); } }, t('decum.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── RMD planning card ──────────────────────────────────────────

  function buildRmdCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const r = getRmdPlanning();
    const age = selfAge();
    const yearsToRmd = age != null ? 73 - age : null;

    const card = el('div', { class: 'tb-card', 'data-track': 'retire' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '⏰ ' + t('decum.section.rmd')),
      el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openRmdModal() }, '✎ ' + t('decum.edit')),
    ));

    // Age-based banner
    if (age != null) {
      let bannerColor, bannerLabel;
      if (age >= 73) {
        bannerColor = 'var(--tb-error)'; bannerLabel = '⚠ ' + t('decum.rmd.active', { age });
      } else if (yearsToRmd <= 5) {
        bannerColor = 'var(--tb-warn)'; bannerLabel = t('decum.rmd.approaching', { years: yearsToRmd });
      } else {
        bannerColor = 'var(--tb-track-retire)'; bannerLabel = t('decum.rmd.future', { years: yearsToRmd });
      }
      card.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid ' + bannerColor,
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginTop: 'var(--tb-sp-2)',
        },
      }, el('div', { style: { fontWeight: '600' } }, bannerLabel)));
    }

    // Strategy points
    const ul = el('ul', { style: { paddingLeft: '20px', marginTop: 'var(--tb-sp-3)' } });
    [
      'decum.rmd.point.age_73',
      'decum.rmd.point.first_year_grace',
      'decum.rmd.point.50pct_penalty',
      'decum.rmd.point.pre_rmd_conversion',
      'decum.rmd.point.qcd_strategy',
      'decum.rmd.point.no_jp_equivalent',
      'decum.rmd.point.jp_treats_rmd_as_income',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(ul);

    // User strategy notes
    if (r.notes) {
      card.appendChild(el('div', {
        style: { marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          borderLeft: '3px solid var(--tb-track-retire)' },
      },
        el('div', { style: { fontWeight: '600' } }, t('decum.rmd.your_strategy')),
        el('div', { style: { marginTop: '4px', fontSize: 'var(--tb-fs-14)' } }, r.notes),
      ));
    }

    return card;
  }

  function openRmdModal() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const draft = Object.assign({
      convert_pre_rmd: null, qcd_planned: null, notes: '',
    }, getRmdPlanning());

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } }, t('decum.modal.rmd')));

    function checkbox(label, key, help) {
      const cb = el('input', { type: 'checkbox', checked: !!draft[key],
        style: { marginRight: '8px' },
        onchange: (e) => { draft[key] = !!e.target.checked; } });
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
          cb, label),
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    modal.appendChild(checkbox(t('decum.rmd.convert_pre_rmd'),
      'convert_pre_rmd', t('decum.rmd.convert_pre_rmd.help')));
    modal.appendChild(checkbox(t('decum.rmd.qcd_planned'),
      'qcd_planned', t('decum.rmd.qcd_planned.help')));

    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label' }, t('decum.rmd.notes')),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.notes = e.target.value; } }, draft.notes || '')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-4)' } });
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('decum.cancel')));
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => { setSection('rmd_planning', draft); close(); rerender(); } }, t('decum.save')));
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Healthcare bridge card ─────────────────────────────────────

  function buildHealthcareBridgeCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'retire' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🏥 ' + t('decum.section.healthcare_bridge')));
    card.appendChild(el('p', null, t('decum.healthcare_bridge.intro')));

    const ul = el('ul', { style: { paddingLeft: '20px' } });
    [
      'decum.healthcare_bridge.point.gap_period',
      'decum.healthcare_bridge.point.cobra',
      'decum.healthcare_bridge.point.aca_marketplace',
      'decum.healthcare_bridge.point.private_intl',
      'decum.healthcare_bridge.point.jp_nhi',
      'decum.healthcare_bridge.point.medicare_then_tfl',
    ].forEach((k) => ul.appendChild(el('li', { style: { marginBottom: '6px' } }, t(k))));
    card.appendChild(ul);

    card.appendChild(el('p', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-3)' } },
      el('a', { href: '#', style: { color: 'var(--tb-navy)' },
        onclick: (e) => {
          e.preventDefault();
          document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view: 'healthcare' } }));
        } }, '↗ ' + t('decum.healthcare_bridge.see_healthcare'))));
    return card;
  }

  // ─── Resources ──────────────────────────────────────────────────

  function buildResourcesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'retire' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📚 ' + t('decum.section.resources')));

    function resource(title, desc, url) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-retire)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      },
        el('div', { style: { fontWeight: '600' } }, title),
        el('div', { class: 'tb-field-help', style: { margin: '4px 0' } }, desc),
        url ? el('a', { href: url, target: '_blank', rel: 'noopener noreferrer',
          style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)' } }, url + ' →') : null,
      );
    }
    card.appendChild(resource(t('decum.resources.ssa.title'), t('decum.resources.ssa.body'), 'https://www.ssa.gov/myaccount/'));
    card.appendChild(resource(t('decum.resources.totalization.title'), t('decum.resources.totalization.body'),
      'https://www.ssa.gov/international/Agreement_Pamphlets/japan.html'));
    card.appendChild(resource(t('decum.resources.fairness_act.title'), t('decum.resources.fairness_act.body'),
      'https://www.ssa.gov/benefits/retirement/social-security-fairness-act.html'));
    card.appendChild(resource(t('decum.resources.nenkin.title'), t('decum.resources.nenkin.body'),
      'https://www.nenkin.go.jp/international/index.html'));
    card.appendChild(resource(t('decum.resources.irs_rmd.title'), t('decum.resources.irs_rmd.body'),
      'https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds'));
    return card;
  }

  // ====================================================================
  // Action Center generators
  // ====================================================================

  function genSsDecisionApproaching() {
    const age = selfAge();
    if (age == null) return [];
    const ss = getSs();
    if (ss.chosen_age) return [];  // user has already decided
    // Fire when within 5y of any of 62, 67, or 70
    const triggers = [62, 67, 70];
    const proximity = triggers
      .map((t) => t - age)
      .filter((d) => d > 0 && d <= 5)
      .sort((a, b) => a - b);
    if (proximity.length === 0) return [];
    return [{
      id: 'decum_ss_decision',
      group: 'retire',
      urgency: proximity[0] <= 1 ? 'high' : 'medium',
      icon: '🌅',
      title: 'SS claiming decision: ' + proximity[0] + 'y to next milestone',
      body: 'Major SS claiming milestones are 62 (earliest), 67 (FRA), 70 (max). With WEP/GPO repealed in late 2024, JP-pension recipients no longer face automatic SS reductions. Open Decumulation → SS claiming to model the trade-offs.',
      module: 'decumulation', snoozable: true,
    }];
  }

  function genRmdApproaching() {
    const age = selfAge();
    if (age == null) return [];
    if (age < 68 || age > 73) return [];
    const r = getRmdPlanning();
    return [{
      id: 'decum_rmd_approaching',
      group: 'retire',
      urgency: age >= 72 ? 'high' : 'medium',
      icon: '⏰',
      title: 'RMD age 73 in ' + Math.max(0, 73 - age) + 'y' + (age >= 73 ? ' (active now)' : ''),
      body: 'Required Minimum Distributions begin the year you turn 73. Pre-RMD years are the LAST window for tax-efficient Roth conversions before required income kicks in. ' +
        (r.convert_pre_rmd ? 'You\'ve flagged pre-RMD conversion as a strategy — model it in Projections.' :
          'Consider pre-RMD Roth conversions to manage future bracket. Penalty for missing an RMD is 25% (was 50% pre-SECURE 2.0).'),
      module: 'decumulation', snoozable: true,
    }];
  }

  function genJpPensionGap() {
    if (!isJpResident()) return [];
    const jp = getJpPension();
    const total = (jp.kokumin_nenkin_years || 0) + (jp.kosei_nenkin_years || 0);
    if (total === 0) return [];                       // not yet started
    if (total >= JP_PENSION_MIN_YEARS) return [];     // already eligible
    return [{
      id: 'decum_jp_pension_gap',
      group: 'retire',
      urgency: total >= 8 ? 'medium' : 'low',
      icon: '🇯🇵',
      title: 'JP pension: ' + (JP_PENSION_MIN_YEARS - total) + 'y short of eligibility',
      body: 'Need 10y total contributions for any JP pension benefit. You have ' + total + 'y. Voluntary 国民年金 contributions can fill gaps; lump-sum back-pay also possible for missed years (up to 10y back).',
      module: 'decumulation', snoozable: true,
    }];
  }

  // ====================================================================
  // Module registration + public API
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id, label_en: 'Retirement Decumulation', label_jp: '退職後の取崩し', render,
    searchSections: SECTIONS,
  };

  window.TB.decumulation = {
    actionGenerators: [genSsDecisionApproaching, genRmdApproaching, genJpPensionGap],
    SS_CLAIM_AGES, JP_PENSION_MIN_YEARS, JP_PENSION_FULL_YEARS,
  };
})();

</script>
  <script data-source="scripts/modules/sharing-backup.js">
/* Taigan Bridge — modules/sharing-backup.js
 *
 * Sharing & Backup — generates shareable views for the typical
 * secondary consumers in this demographic's life:
 *
 *   1. Spouse handoff       — read-only HTML snapshot of the user's
 *                             situation. Self-contained .html file
 *                             with inline CSS, no JS, prints cleanly,
 *                             works offline.
 *   2. Survivor mode        — extended Letter of Instruction as a
 *                             standalone HTML file. Includes
 *                             immediate-action checklist, account
 *                             inventory, document locations,
 *                             funeral preferences, contacts.
 *   3. Advisor share (JSON) — tax-relevant subset for CPA review.
 *                             User-controllable scope (balances,
 *                             documents list, family anonymization).
 *   4. Full backup          — complete state.json export.
 *   5. Restore              — JSON import with confirmation.
 *
 * Each generation logs an entry in sharing.shares_log so the user
 * can see what they've shared and when. Files download directly to
 * the user's device — nothing is uploaded anywhere.
 */

(function () {
  'use strict';

  const id = 'sharing-backup';

  // ====================================================================
  // State accessors
  // ====================================================================

  function getSharing()    { return TB.state.get('sharing') || {}; }
  function getLog()        { return getSharing().shares_log || []; }
  function getPrefs()      { return getSharing().preferences || {}; }
  function setPrefs(value) {
    const s = getSharing();
    s.preferences = value;
    TB.state.set('sharing', s);
  }
  function appendLog(entry) {
    const s = getSharing();
    s.shares_log = (s.shares_log || []).concat([entry]);
    TB.state.set('sharing', s);
  }

  // ====================================================================
  // HTML generation utilities
  // ====================================================================

  function escapeHtml(s) {
    return String(s == null ? '' : s)
      .replace(/&/g, '&amp;')
      .replace(/</g, '&lt;')
      .replace(/>/g, '&gt;')
      .replace(/"/g, '&quot;')
      .replace(/'/g, '&#39;');
  }

  // Shared inline CSS for generated HTML files. Light + dark friendly,
  // print-clean. Self-contained — no external font/image deps.
  //
  // The @media print block is intentionally large because survivor /
  // spouse guides are designed to be printed and stored alongside the
  // physical will. Browser default printing leaves orphaned headings
  // at page bottoms, splits checklists across page breaks, and prints
  // colored backgrounds (which look terrible photocopied). Every rule
  // below addresses one of those failure modes.
  const SHARED_CSS = `
    body { font-family: -apple-system, system-ui, "Segoe UI", Roboto, "Helvetica Neue", sans-serif;
      max-width: 900px; margin: 0 auto; padding: 32px 24px; line-height: 1.55; color: #14181F; background: #FAF7EF; }
    h1 { font-size: 1.75rem; margin: 0 0 8px; color: #0E2A4F; }
    h2 { font-size: 1.25rem; margin: 32px 0 12px; color: #0E2A4F; border-bottom: 1px solid #DCD5C4; padding-bottom: 6px; }
    h3 { font-size: 1rem; margin: 24px 0 8px; }
    p { margin: 0 0 12px; }
    .meta { color: #5C6470; font-size: 0.85rem; margin-bottom: 16px; }
    .banner { padding: 12px 16px; border-left: 4px solid #B7472A; background: #FFF7F2; border-radius: 4px; margin-bottom: 24px; font-size: 0.9rem; }
    .banner.success { border-color: #2F6F4E; background: #F2FAF5; }
    .banner.warn { border-color: #B97A1A; background: #FFF7E8; }
    .card { padding: 16px 20px; background: #FFFFFF; border: 1px solid #DCD5C4; border-radius: 8px; margin-bottom: 16px; box-shadow: 0 1px 2px rgba(0,0,0,0.04); }
    table { border-collapse: collapse; width: 100%; margin: 12px 0; }
    th, td { text-align: left; padding: 8px 12px; border-bottom: 1px solid #DCD5C4; font-size: 0.9rem; vertical-align: top; }
    th { background: #F0EBDD; font-weight: 600; font-size: 0.8rem; letter-spacing: 0.04em; text-transform: uppercase; color: #5C6470; }
    .label { color: #5C6470; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.06em; font-weight: 600; margin-top: 16px; }
    .stat { font-family: "JetBrains Mono", "Consolas", monospace; font-weight: 700; font-size: 1.5rem; color: #14181F; }
    .stat-row { display: flex; gap: 24px; flex-wrap: wrap; margin: 16px 0; }
    .stat-tile { flex: 1; min-width: 160px; padding: 12px 16px; background: #FFFFFF; border-radius: 8px; border: 1px solid #DCD5C4; }
    .toc { padding: 12px 16px; background: #F0EBDD; border-radius: 8px; margin-bottom: 24px; }
    .toc a { color: #0E2A4F; text-decoration: none; margin-right: 16px; display: inline-block; padding: 2px 0; }
    .toc a:hover { text-decoration: underline; }
    ul.checklist { list-style: none; padding: 0; }
    ul.checklist li { padding: 8px 12px; border: 1px solid #DCD5C4; border-radius: 4px; margin-bottom: 6px; background: #FFFFFF; }
    ul.checklist li::before { content: "☐ "; color: #5C6470; margin-right: 6px; }
    .footer { margin-top: 48px; padding: 16px; border-top: 1px solid #DCD5C4; color: #5C6470; font-size: 0.8rem; text-align: center; }

    /* Floating Print button — only visible on screen. The generated
       file is meant to be filed with paper records, so we make the
       print step one click away on first open. Hidden via @media
       print so it doesn't render onto the page itself. */
    .tb-print-btn {
      position: fixed; top: 16px; right: 16px;
      padding: 10px 18px; background: #0E2A4F; color: #fff;
      border: none; border-radius: 6px; cursor: pointer;
      font-size: 0.9rem; font-weight: 600;
      box-shadow: 0 2px 8px rgba(0,0,0,0.18);
      z-index: 9999;
    }
    .tb-print-btn:hover { background: #1A3D6E; }

    @media print {
      /* Page setup — US Letter with reasonable margins, page numbers
         in the footer. Most browsers honor these. The named "info"
         counter increments via @page, surfaced by a footer rule below. */
      @page {
        size: letter;
        margin: 0.75in 0.75in 0.9in;
        @bottom-center {
          content: "Page " counter(page) " of " counter(pages);
          font-family: -apple-system, system-ui, sans-serif;
          font-size: 9pt;
          color: #5C6470;
        }
      }

      /* Black on white. The cream/off-white look is fine on screen
         but wastes ink and bleeds through cheap paper. */
      body {
        background: #fff;
        color: #000;
        max-width: none;
        padding: 0;
        font-size: 10.5pt;
        line-height: 1.5;
      }

      /* Strip decorative chrome — boxes, shadows, color fills.
         Borders stay (they help readability of cards / banners as
         standalone sections) but the colored backgrounds drop. */
      .banner, .card, .toc, ul.checklist li, .stat-tile, th {
        background: #fff !important;
        box-shadow: none !important;
      }
      .banner { border: 1px solid #999; padding: 8px 12px; }
      .card   { border: 1px solid #999; padding: 8px 12px; }
      .toc    { display: none; } /* anchor links are dead on paper */

      /* Headings stay with their content. h2 starts a new section
         visually — and prefers a fresh page when more than ~3 lines
         from the previous section's bottom (browser-dependent but
         saves us from "Section 4" appearing alone at page bottom). */
      h1, h2, h3 { color: #000; page-break-after: avoid; break-after: avoid; }
      h2 {
        margin-top: 24pt;
        padding-top: 4pt;
        border-bottom: 1pt solid #000;
        page-break-before: auto;
        break-before: auto;
      }
      h2 + p, h2 + ul, h2 + table, h2 + .card,
      h3 + p, h3 + ul, h3 + table { page-break-before: avoid; break-before: avoid; }

      /* Tables — the bread and butter of survivor / spouse guides
         (account inventory, document locations, statutory shares).
         Repeat the header on each page when a long table breaks. */
      table { page-break-inside: auto; break-inside: auto; }
      thead { display: table-header-group; }
      tr    { page-break-inside: avoid; break-inside: avoid; }
      th, td { font-size: 9.5pt; padding: 6pt 8pt; border-bottom: 0.5pt solid #999; }

      /* Checklist items — keep individual items intact, and drop
         the colored card chrome so they read like a printed form. */
      ul.checklist li {
        page-break-inside: avoid; break-inside: avoid;
        border: none;
        border-bottom: 0.5pt solid #ccc;
        padding: 4pt 0 4pt 18pt;
        margin-bottom: 0;
        position: relative;
      }
      ul.checklist li::before {
        content: "☐";
        position: absolute; left: 0; top: 4pt;
        font-size: 11pt;
      }

      /* Links — print the URL after the link text so the printed
         doc is still navigable. Skip mailto/tel and intra-doc anchors. */
      a { color: #000; text-decoration: underline; }
      a[href^="http"]::after {
        content: " (" attr(href) ")";
        font-size: 8.5pt;
        color: #555;
        word-break: break-all;
      }

      /* Hide everything tagged as screen-only chrome. */
      .tb-print-btn,
      .no-print,
      [data-no-print] { display: none !important; }

      /* Footer — re-style the existing footer block to print as a
         small caption under the last section, since @page already
         provides page numbers. */
      .footer {
        margin-top: 24pt;
        padding-top: 8pt;
        border-top: 0.5pt solid #999;
        font-size: 8.5pt;
        color: #555;
      }
    }
  `;

  // Wraps body content in a complete standalone HTML document. The
  // floating Print button hooks into window.print() so users can go
  // straight from "I just opened the file" to a printed copy without
  // hunting for a menu — survivor guides are routinely printed and
  // filed with the will, so the print path needs to be obvious.
  function wrapHtml(title, bodyHtml) {
    return '<!DOCTYPE html>\n' +
      '<html lang="en"><head><meta charset="utf-8">' +
      '<meta name="viewport" content="width=device-width,initial-scale=1">' +
      '<title>' + escapeHtml(title) + '</title>' +
      '<style>' + SHARED_CSS + '</style>' +
      '</head><body>' +
      '<button class="tb-print-btn" onclick="window.print()" type="button" ' +
        'title="Print this document — formatted for US Letter, page numbers included">' +
        '🖨 Print</button>' +
      bodyHtml +
      '<div class="footer">Generated by Taigan Bridge — ' + new Date().toISOString().slice(0, 10) +
      '. Read-only snapshot. State is yours.</div>' +
      '</body></html>';
  }

  function downloadFile(filename, content, mime) {
    const blob = new Blob([content], { type: mime || 'text/plain;charset=utf-8' });
    const url = URL.createObjectURL(blob);
    const a = document.createElement('a');
    a.href = url; a.download = filename;
    document.body.appendChild(a); a.click(); document.body.removeChild(a);
    URL.revokeObjectURL(url);
  }

  // ====================================================================
  // Generators
  // ====================================================================

  function fmtUsd(v) { return '$' + Math.round(v || 0).toLocaleString(); }
  function fmtJpy(v) { return '¥' + Math.round(v || 0).toLocaleString(); }

  // Build the Spouse Handoff HTML — a read-only snapshot of the user's
  // current state organized for someone who isn't the primary user
  // (typically a spouse) to navigate and understand.
  function buildSpouseHandoffHtml() {
    const profile = TB.state.get('profile') || {};
    const onboarding = TB.state.get('onboarding') || {};
    const prefs = getPrefs();
    const today = new Date().toISOString().slice(0, 10);
    const name = profile.displayName || profile.displayNameJa || 'User';

    // Detect a JP-national spouse — if present, prepend a Japanese
    // mirror of the intro + key sections so the spouse can read the
    // document without bouncing through a translator. We still keep
    // the English version below for the user's own re-read.
    const fam = onboarding.answers && onboarding.answers.family;
    const famArr = Array.isArray(fam) ? fam : [fam].filter(Boolean);
    const hasJpSpouse = famArr.indexOf('jp_spouse') !== -1;
    const nameJa = profile.displayNameJa || profile.displayName || name;

    let html = '';
    html += '<h1>' + escapeHtml(name) + '’s Taigan Bridge — Read-Only Snapshot</h1>';
    html += '<div class="meta">Generated ' + today + ' for spouse / partner reference. Static HTML — does not connect to anything live.</div>';

    // Bilingual top-of-page intro for JP spouse. The Japanese text is
    // written for someone who has not used Taigan Bridge — explains
    // what this document is, what isn't there (live data), and what
    // the JP-side filer (typically her) should DO with it.
    if (hasJpSpouse) {
      html += '<div class="banner" style="border-color:#6E2A3A;background:#FBF5F6">';
      html += '<strong>📖 配偶者の方へ / To my spouse</strong><br><br>';
      html += '<div lang="ja">これは ' + escapeHtml(nameJa) + ' の Taigan Bridge(US-JP 個人財務管理ツール)の';
      html += '読み取り専用スナップショットです。生成日:' + today + '。';
      html += '<br><br>';
      html += '<strong>このファイルでできること:</strong>';
      html += '<ul>';
      html += '<li>世帯の財務状況の全体像を一目で確認</li>';
      html += '<li>日本側の申告(確定申告・住民税・ふるさと納税)に必要な情報の所在を把握</li>';
      html += '<li>緊急時に書類・口座・保険の場所を確認</li>';
      html += '</ul>';
      html += '<strong>このファイルでできないこと:</strong>';
      html += '<ul>';
      html += '<li>データの編集(ライブツールではありません)</li>';
      html += '<li>口座へのアクセス(これは情報のインベントリのみ)</li>';
      html += '</ul>';
      html += '<strong>あなたの担当箇所(SOFA 世帯の典型例):</strong>';
      html += '<ul>';
      html += '<li>確定申告(2月16日〜3月15日):住民票登録者として自身の所得を申告</li>';
      html += '<li>住民税:税額決定通知書(6月頃郵送)の確認</li>';
      html += '<li>ふるさと納税:年間限度額内で 12 月 31 日までに決済</li>';
      html += '<li>子のパスポート更新・国籍選択(該当する場合)</li>';
      html += '<li>世帯の医療カバレッジ(NHI / SHI / 介護保険)</li>';
      html += '</ul>';
      html += '</div>';
      html += '<hr style="border:0;border-top:1px solid #DCD5C4;margin:16px 0"/>';
      html += '<div>This is a READ-ONLY snapshot of ' + escapeHtml(name) + '\'s Taigan Bridge state at the time of generation. To see live data or make changes, open the actual Taigan Bridge tool. Re-share periodically as data changes.</div>';
      html += '</div>';
    } else {
      html += '<div class="banner">📖 This is a READ-ONLY snapshot of ' + escapeHtml(name) + '’s Taigan Bridge state at the time of generation. To see live data or make changes, open the actual Taigan Bridge tool. Re-share periodically as data changes.</div>';
    }

    // TOC
    html += '<div class="toc"><strong>Sections:</strong> ';
    html += '<a href="#snapshot">Snapshot</a> ';
    html += '<a href="#tracks">Status</a> ';
    html += '<a href="#assets">Assets</a> ';
    html += '<a href="#tax">Tax filing</a> ';
    html += '<a href="#estate">Estate</a> ';
    html += '<a href="#family">Family</a> ';
    html += '<a href="#docs">Documents</a> ';
    html += '<a href="#actions">Action items</a>';
    html += '</div>';

    // Snapshot
    html += '<h2 id="snapshot">📊 Snapshot</h2>';
    html += '<div class="stat-row">';
    try {
      const accounts = TB.assets ? TB.assets.getActiveAccounts() : [];
      const total = accounts.reduce((s, a) => s + TB.assets.toUsd(a.balance_native, a.currency), 0);
      if (prefs.spouse_include_balances !== false) {
        html += '<div class="stat-tile"><div class="label">Total assets</div><div class="stat">' + fmtUsd(total) + '</div></div>';
        html += '<div class="stat-tile"><div class="label">Account count</div><div class="stat">' + accounts.length + '</div></div>';
      } else {
        html += '<div class="stat-tile"><div class="label">Account count</div><div class="stat">' + accounts.length + '</div></div>';
      }
    } catch (err) { /* swallow */ }
    try {
      const tracks = TB.state.get('tracks') || [];
      html += '<div class="stat-tile"><div class="label">Active tracks</div><div class="stat">' + tracks.length + '</div></div>';
    } catch (err) { /* swallow */ }
    html += '</div>';

    // Tracks
    html += '<h2 id="tracks">🧭 Status</h2>';
    const tracks = TB.state.get('tracks') || [];
    const tlabels = { sofa: 'SOFA', veteran: 'Veteran', resident: 'Long-Term Resident', family: 'Family', property: 'Property', core: 'Core' };
    html += '<div class="card"><strong>Tracks:</strong> ' + tracks.map((t) => escapeHtml(tlabels[t] || t)).join(', ') + '</div>';
    const a = onboarding.answers || {};
    html += '<table><tr><th>Field</th><th>Value</th></tr>';
    [['citizenship', a.citizenship], ['Years in Japan', a.years_in_japan],
     ['Visa', a.visa], ['Employment', a.employment], ['Veteran status', a.veteran],
     ['住民票 registered', a.juminhyo], ['Tax status', a.tax_status]].forEach(([k, v]) => {
      if (v) html += '<tr><td>' + escapeHtml(k) + '</td><td>' + escapeHtml(v) + '</td></tr>';
    });
    html += '</table>';

    // Assets
    html += '<h2 id="assets">💼 Assets</h2>';
    try {
      const accounts = TB.assets ? TB.assets.getActiveAccounts() : [];
      if (accounts.length === 0) {
        html += '<p>No accounts recorded.</p>';
      } else {
        html += '<table><tr><th>Institution</th><th>Account</th><th>Country</th><th>Wrapper</th>' +
          (prefs.spouse_include_balances !== false ? '<th>Balance</th>' : '') +
          '<th>Beneficiary</th></tr>';
        accounts.forEach((a) => {
          html += '<tr>';
          html += '<td>' + escapeHtml(a.institution || '—') + '</td>';
          html += '<td>' + escapeHtml(a.name || '—') + '</td>';
          html += '<td>' + escapeHtml(a.country || '—') + '</td>';
          html += '<td>' + escapeHtml(a.tax_wrapper || '—') + '</td>';
          if (prefs.spouse_include_balances !== false) {
            html += '<td style="font-family:monospace">' +
              fmtUsd(TB.assets.toUsd(a.balance_native, a.currency)) + '</td>';
          }
          html += '<td>' + escapeHtml(a.beneficiary || '—') + '</td>';
          html += '</tr>';
        });
        html += '</table>';
      }
    } catch (err) { html += '<p>(Assets unavailable)</p>'; }

    // Tax filing
    html += '<h2 id="tax">📋 Tax Filing</h2>';
    try {
      if (TB.taxCoord && typeof TB.taxCoord.buildContext === 'function') {
        const ctx = TB.taxCoord.buildContext();
        html += '<table>';
        html += '<tr><td>Filing status</td><td>' + escapeHtml(ctx.filing_status_label) + '</td></tr>';
        html += '<tr><td>FEIE / FTC election</td><td>' + escapeHtml(ctx.feie_choice || 'undecided') + '</td></tr>';
        html += '<tr><td>JP tax resident</td><td>' + (ctx.is_jp_resident ? 'Yes' : 'No') + '</td></tr>';
        html += '<tr><td>Foreign assets total</td><td style="font-family:monospace">' + fmtUsd(ctx.foreign_assets_usd) + '</td></tr>';
        html += '<tr><td>FBAR aggregate</td><td style="font-family:monospace">' + fmtUsd(ctx.fbar_aggregate_usd) +
          (ctx.fbar_aggregate_usd > 10000 ? ' <strong>(FBAR required)</strong>' : '') + '</td></tr>';
        if (ctx.has_pfic) html += '<tr><td>⚠ PFIC detected</td><td>' + escapeHtml((ctx.pfic_account_names || []).join(', ')) + '</td></tr>';
        html += '</table>';
      }
    } catch (err) { /* swallow */ }

    // Estate
    html += '<h2 id="estate">🪦 Estate</h2>';
    try {
      if (TB.estate && typeof TB.estate.deriveStatutoryHeirs === 'function') {
        const heirs = TB.estate.deriveStatutoryHeirs();
        const tax = TB.estate.computeJpInheritanceTax();
        if (heirs.all_heirs.length > 0) {
          html += '<h3>Statutory heirs (法定相続人)</h3><table><tr><th>Name</th><th>Role</th><th>Share</th></tr>';
          heirs.all_heirs.forEach((h) => {
            const m = h.member;
            html += '<tr><td>' + escapeHtml(m.name_en || m.name_jp || '—') + '</td>' +
              '<td>' + escapeHtml(h.role) + '</td>' +
              '<td>' + (h.share * 100).toFixed(1) + '%</td></tr>';
          });
          html += '</table>';
        }
        html += '<p><strong>Projected JP 相続税:</strong> ' + fmtJpy(tax.net_tax) +
          ' (after spouse credit ' + fmtJpy(tax.spouse_credit) + ')</p>';
      }
    } catch (err) { /* swallow */ }

    // Family
    html += '<h2 id="family">👨‍👩‍👧 Family</h2>';
    try {
      const members = TB.state.get('family.members') || [];
      if (members.length === 0) {
        html += '<p>No family members recorded.</p>';
      } else {
        html += '<table><tr><th>Name</th><th>Relationship</th><th>Citizenships</th><th>Birth date</th></tr>';
        members.forEach((m) => {
          html += '<tr><td>' + escapeHtml(m.name_en || m.name_jp || '—') + '</td>' +
            '<td>' + escapeHtml(m.relationship || '—') + '</td>' +
            '<td>' + escapeHtml((m.citizenships || []).join('/')) + '</td>' +
            '<td>' + escapeHtml(m.birth_date || '—') + '</td></tr>';
        });
        html += '</table>';
      }
    } catch (err) { /* swallow */ }

    // Documents
    if (prefs.spouse_include_documents !== false) {
      html += '<h2 id="docs">📂 Documents (titles + locations only)</h2>';
      try {
        const items = TB.state.get('documentVault.items') || [];
        if (items.length === 0) {
          html += '<p>No documents recorded.</p>';
        } else {
          html += '<table><tr><th>Title</th><th>Type</th><th>Storage location</th><th>Expires</th></tr>';
          items.forEach((it) => {
            html += '<tr><td>' + escapeHtml(it.title || '—') + '</td>' +
              '<td>' + escapeHtml(it.type || '—') + '</td>' +
              '<td>' + escapeHtml(it.storage_location || '—') + '</td>' +
              '<td>' + escapeHtml(it.expiry_date || '—') + '</td></tr>';
          });
          html += '</table>';
        }
      } catch (err) { /* swallow */ }
    }

    // Action items
    if (prefs.spouse_include_action_items !== false) {
      html += '<h2 id="actions">🎯 Open action items</h2>';
      try {
        if (TB.actionCenter) {
          const actions = TB.actionCenter.deriveActions();
          if (actions.length === 0) {
            html += '<p>✓ No open action items at the time of generation.</p>';
          } else {
            html += '<ul class="checklist">';
            actions.slice(0, 20).forEach((act) => {
              html += '<li><strong>[' + escapeHtml(act.urgency) + ']</strong> ' + escapeHtml(act.title) + '</li>';
            });
            html += '</ul>';
            if (actions.length > 20) html += '<p><em>… and ' + (actions.length - 20) + ' more</em></p>';
          }
        }
      } catch (err) { /* swallow */ }
    }

    return wrapHtml(name + ' — Taigan Bridge Snapshot — ' + today, html);
  }

  // Build the Survivor HTML — extended Letter of Instruction.
  function buildSurvivorHtml() {
    const profile = TB.state.get('profile') || {};
    const today = new Date().toISOString().slice(0, 10);
    const name = profile.displayName || profile.displayNameJa || 'the deceased';

    let html = '';
    html += '<h1>If you’re reading this — guidance for survivors of ' + escapeHtml(name) + '</h1>';
    html += '<div class="meta">Generated ' + today + '. This is informational guidance assembled from the deceased’s Taigan Bridge state. NOT a will. NOT legal advice. Coordinate with the named executor + attorney.</div>';
    html += '<div class="banner warn">⚠ First read this entire document. Then take the actions in Section 1 before anything else.</div>';

    // Section 1: First 7 days
    html += '<h2>1. First 7 days — immediate actions</h2>';
    html += '<ul class="checklist">';
    html += '<li>Obtain death certificate (multiple certified copies — both jurisdictions if applicable)</li>';
    html += '<li>If in Japan: file 死亡届 at city hall (市役所/区役所) within 7 days — REQUIRED BY LAW</li>';
    html += '<li>If US-citizen: notify Social Security Administration (1-800-772-1213) — stops SS payments</li>';
    html += '<li>Notify named executor / attorney</li>';
    html += '<li>Locate and READ both wills (US + JP if dual)</li>';
    html += '<li>Preserve mail, email, phone access — institutions will start sending notices</li>';
    html += '<li>Do NOT distribute assets yet — let the executor / probate process handle</li>';
    html += '</ul>';

    // Section 2: First 30 days
    html += '<h2>2. First 30 days</h2>';
    html += '<ul class="checklist">';
    html += '<li>Notify all banks, brokerages, retirement plan administrators (use death certificate)</li>';
    html += '<li>If JP tax resident: engage 税理士 — 10-month clock for 相続税申告書 begins</li>';
    html += '<li>If US-citizen decedent: engage CPA for final 1040 + estate-tax return if required</li>';
    html += '<li>Cancel/transfer credit cards, utilities, subscriptions</li>';
    html += '<li>If named beneficiary on retirement accounts: file claims directly (those bypass probate)</li>';
    html += '<li>Update beneficiaries on surviving spouse’s accounts</li>';
    html += '<li>If applicable: file VA claim for survivor benefits (DIC, SBP)</li>';
    html += '</ul>';

    // Section 3: Account inventory
    html += '<h2>3. Account inventory</h2>';
    try {
      const accounts = TB.assets ? TB.assets.getActiveAccounts() : [];
      if (accounts.length > 0) {
        html += '<table><tr><th>Institution</th><th>Account</th><th>Country</th><th>Approx balance</th><th>Beneficiary on file</th></tr>';
        accounts.forEach((a) => {
          html += '<tr><td>' + escapeHtml(a.institution || '—') + '</td>' +
            '<td>' + escapeHtml(a.name || '—') + '</td>' +
            '<td>' + escapeHtml(a.country || '—') + '</td>' +
            '<td style="font-family:monospace">' + fmtUsd(TB.assets.toUsd(a.balance_native, a.currency)) + '</td>' +
            '<td>' + escapeHtml(a.beneficiary || '⚠ NOT SET') + '</td></tr>';
        });
        html += '</table>';
      } else {
        html += '<p>No accounts recorded in the source state.</p>';
      }
    } catch (err) { /* swallow */ }

    // Section 4: Documents
    html += '<h2>4. Important documents — locations</h2>';
    try {
      const items = TB.state.get('documentVault.items') || [];
      if (items.length > 0) {
        html += '<table><tr><th>Document</th><th>Stored at</th><th>Notes</th></tr>';
        items.forEach((it) => {
          html += '<tr><td><strong>' + escapeHtml(it.title || it.type) + '</strong></td>' +
            '<td>' + escapeHtml(it.storage_location || '—') + '</td>' +
            '<td>' + escapeHtml(it.notes || '') + '</td></tr>';
        });
        html += '</table>';
      } else {
        html += '<p>No documents recorded in the source state. Search the home for: will, POA, life insurance policies, deeds, passport, 戸籍, insurance documents.</p>';
      }
    } catch (err) { /* swallow */ }

    // Section 5: Family + heirs
    html += '<h2>5. Family + statutory heirs</h2>';
    try {
      const members = TB.state.get('family.members') || [];
      if (members.length > 0) {
        html += '<table><tr><th>Name</th><th>Relationship</th><th>Citizenships</th></tr>';
        members.forEach((m) => {
          html += '<tr><td>' + escapeHtml(m.name_en || m.name_jp || '—') + '</td>' +
            '<td>' + escapeHtml(m.relationship || '—') + '</td>' +
            '<td>' + escapeHtml((m.citizenships || []).join('/')) + '</td></tr>';
        });
        html += '</table>';
      }
      if (TB.estate && typeof TB.estate.deriveStatutoryHeirs === 'function') {
        const heirs = TB.estate.deriveStatutoryHeirs();
        if (heirs.all_heirs.length > 0) {
          html += '<h3>Statutory shares (Civil Code §887, §889, §890)</h3>';
          html += '<table><tr><th>Name</th><th>Role</th><th>Share</th></tr>';
          heirs.all_heirs.forEach((h) => {
            const m = h.member;
            html += '<tr><td>' + escapeHtml(m.name_en || m.name_jp || '—') + '</td>' +
              '<td>' + escapeHtml(h.role) + '</td>' +
              '<td>' + (h.share * 100).toFixed(1) + '%</td></tr>';
          });
          html += '</table>';
        }
      }
    } catch (err) { /* swallow */ }

    // Section 6: Funeral preferences
    try {
      const eol = TB.state.get('healthcare.end_of_life') || {};
      const loi = TB.state.get('estate.letter_of_instruction') || {};
      const funeral = loi.funeral_preferences || eol.funeral_preference_notes || '';
      if (funeral) {
        html += '<h2>6. Funeral wishes</h2>';
        html += '<div class="card">' + escapeHtml(funeral).replace(/\n/g, '<br>') + '</div>';
      }
      if (loi.pet_instructions) {
        html += '<h3>Pets</h3><div class="card">' + escapeHtml(loi.pet_instructions).replace(/\n/g, '<br>') + '</div>';
      }
      if (loi.digital_accounts_note) {
        html += '<h3>Digital accounts</h3><div class="card">' + escapeHtml(loi.digital_accounts_note).replace(/\n/g, '<br>') + '</div>';
      }
    } catch (err) { /* swallow */ }

    // Section 7: Contacts (from LoI + consultations)
    html += '<h2>7. Important contacts</h2>';
    try {
      const loi = TB.state.get('estate.letter_of_instruction') || {};
      const contacts = loi.important_contacts || [];
      const pros = (TB.state.get('consultations.professionals') || []);
      if (contacts.length === 0 && pros.length === 0) {
        html += '<p>No contacts recorded.</p>';
      } else {
        html += '<table><tr><th>Name</th><th>Role / Specialty</th><th>Contact</th></tr>';
        contacts.forEach((c) => {
          html += '<tr><td>' + escapeHtml(c.name || '—') + '</td>' +
            '<td>' + escapeHtml(c.role || c.relationship || '—') + '</td>' +
            '<td>' + escapeHtml(c.contact || '—') + '</td></tr>';
        });
        pros.forEach((p) => {
          html += '<tr><td>' + escapeHtml(p.name || '—') + (p.firm ? ' (' + escapeHtml(p.firm) + ')' : '') + '</td>' +
            '<td>' + escapeHtml(p.type) + (p.specialty ? ' — ' + escapeHtml(p.specialty) : '') + '</td>' +
            '<td>' + escapeHtml(p.contact || '—') + '</td></tr>';
        });
        html += '</table>';
      }
    } catch (err) { /* swallow */ }

    return wrapHtml('For survivors of ' + name + ' — ' + today, html);
  }

  // Build the Advisor JSON — tax-relevant subset only.
  function buildAdvisorJson() {
    const prefs = getPrefs();
    const today = new Date().toISOString().slice(0, 10);

    const out = {
      generated_at: today,
      generated_by: 'Taigan Bridge sharing-backup module',
      scope: 'advisor',
      profile: {
        display_name: TB.state.get('profile.displayName') || '',
      },
      onboarding: TB.state.get('onboarding.answers') || {},
      tax_coordinator: TB.state.get('tax_coordinator') || {},
    };

    // Assets — optional balances
    try {
      const accounts = TB.assets ? TB.assets.getActiveAccounts() : [];
      out.assets = accounts.map((a) => {
        const base = {
          institution: a.institution, name: a.name, country: a.country,
          tax_wrapper: a.tax_wrapper, currency: a.currency,
        };
        if (prefs.advisor_include_balances !== false) {
          base.balance_native = a.balance_native;
          base.balance_usd_approx = TB.assets.toUsd(a.balance_native, a.currency);
        }
        if (a.basis_native != null) base.basis_native = a.basis_native;
        return base;
      });
    } catch (err) { out.assets = null; }

    // FBAR — summary only (no PII)
    try {
      if (TB.fbar && typeof TB.fbar.summarizeFbarForAi === 'function') {
        out.fbar_summary = TB.fbar.summarizeFbarForAi();
      }
    } catch (err) { /* swallow */ }

    // Documents (titles only)
    if (prefs.advisor_include_documents_list !== false) {
      try {
        const items = TB.state.get('documentVault.items') || [];
        out.documents = items.map((it) => ({
          title: it.title, type: it.type, expiry_date: it.expiry_date,
        }));
      } catch (err) { /* swallow */ }
    }

    // Family — anonymized if user opted in
    try {
      const members = TB.state.get('family.members') || [];
      out.family_members = members.map((m) => ({
        relationship: m.relationship,
        name: prefs.advisor_anonymize_family ? '[REDACTED]' : (m.name_en || m.name_jp || ''),
        citizenships: m.citizenships || [],
        birth_year: m.birth_date ? m.birth_date.slice(0, 4) : null,  // year only, not full date
      }));
      out.gifts_log = TB.state.get('family.gifts_log') || [];
    } catch (err) { /* swallow */ }

    // Property
    try {
      out.properties = (TB.state.get('property.properties') || []).map((p) => ({
        country: p.country, type: p.type, currency: p.currency,
        purchase_date: p.purchase_date,
        purchase_price_native: p.purchase_price_native,
        current_value_native: p.current_value_native,
        rental_status: p.rental_status,
        monthly_rent_native: p.monthly_rent_native,
      }));
    } catch (err) { /* swallow */ }

    return JSON.stringify(out, null, 2);
  }

  // ====================================================================
  // Module render
  // ====================================================================

  let host = null;
  let listenerSet = false;

  const SECTIONS = [
    { id: 'header',       always: true, builder: () => buildHeaderCard() },
    {
      id: 'spouse',
      label_en: 'Spouse handoff (read-only HTML)',
      label_jp: '配偶者引継ぎ(読み取り専用 HTML)',
      description_en: 'Self-contained HTML snapshot for spouse / partner reference. Loads in any browser; does not require Taigan Bridge.',
      description_jp: '配偶者・パートナー参照用の自己完結型 HTML。任意のブラウザで開け、Taigan Bridge 不要。',
      auto_show: () => true,
      builder: () => buildSpouseCard(),
    },
    {
      id: 'survivor',
      label_en: '"If you\'re reading this" survivor mode',
      label_jp: '「これを読んでいる方へ」遺族モード',
      description_en: 'Standalone HTML guide for survivors — first-7-days actions, account inventory, document locations, contacts.',
      description_jp: '遺族向け自己完結型 HTML ガイド — 最初 7 日のアクション・口座一覧・書類所在・連絡先。',
      auto_show: () => true,
      builder: () => buildSurvivorCard(),
    },
    {
      id: 'advisor',
      label_en: 'Advisor share (tax-only JSON)',
      label_jp: 'アドバイザー共有(税務のみ JSON)',
      description_en: 'Tax-relevant subset for CPA review. User-controllable scope (balances, document list, family anonymization).',
      description_jp: 'CPA レビュー用の税務関連サブセット。スコープ調整可(残高・書類リスト・家族匿名化)。',
      auto_show: () => true,
      builder: () => buildAdvisorCard(),
    },
    {
      id: 'backup',
      label_en: 'Full backup / restore',
      label_jp: '完全バックアップ・復元',
      description_en: 'Export full state to JSON (for backup or device migration). Import overwrites all current data.',
      description_jp: '全状態を JSON にエクスポート(バックアップまたはデバイス移行用)。インポートは全現在データを上書き。',
      auto_show: () => true,
      builder: () => buildBackupCard(),
    },
    {
      id: 'history',
      label_en: 'Share history',
      label_jp: '共有履歴',
      description_en: 'Log of every share / backup generated — what, when, scope.',
      description_jp: '生成した共有・バックアップの履歴 — 種別・日時・スコープ。',
      auto_show: () => getLog().length > 0,
      builder: () => buildHistoryCard(),
    },
    { id: 'preferences', always: true, builder: () => buildPreferencesCard() },
  ];

  function render(container) {
    host = container;
    if (!listenerSet) {
      TB.customize.onChange(id, () => rerender());
      listenerSet = true;
    }
    container.innerHTML = '';
    SECTIONS.forEach((s) => {
      if (s.always || TB.customize.isSectionEnabled(id, s.id, s.auto_show)) {
        container.appendChild(s.builder());
      }
    });
    container.appendChild(TB.customize.buildPanel(id, SECTIONS));
  }
  function rerender() { if (host) render(host); }

  // ─── Header ───────────────────────────────────────────────────────

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    return el('div', { class: 'tb-card', 'data-track': 'share' },
      el('div', { class: 'tb-card-meta' },
        el('span', { class: 'tb-badge tb-badge--track', 'data-track': 'share' }, t('share.badge')),
      ),
      el('h1', null, '🤝 ' + t('share.title')),
      el('p', { class: 'tb-card-meta' }, t('share.subtitle')),
    );
  }

  // ─── Card builders for each share type ──────────────────────────

  function shareCard(track, icon, titleKey, descKey, btnLabel, action, lastAt) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'share' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, icon + ' ' + t(titleKey)));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t(descKey)));
    if (lastAt) {
      card.appendChild(el('div', { class: 'tb-field-help', style: { marginBottom: 'var(--tb-sp-2)' } },
        t('share.last_generated') + ': ' + new Date(lastAt).toLocaleDateString()));
    }
    card.appendChild(el('button', {
      class: 'tb-btn', type: 'button',
      style: { padding: '6px 16px' },
      onclick: action,
    }, '⬇ ' + t(btnLabel)));
    return card;
  }

  function lastShareOf(type) {
    const log = getLog();
    for (let i = log.length - 1; i >= 0; i--) {
      if (log[i].type === type) return log[i].generated_at;
    }
    return null;
  }

  function buildSpouseCard() {
    return shareCard('share', '👫', 'share.section.spouse', 'share.spouse.intro',
      'share.spouse.generate',
      () => {
        const html = buildSpouseHandoffHtml();
        const fn = 'taigan-bridge-spouse-snapshot-' + new Date().toISOString().slice(0, 10) + '.html';
        downloadFile(fn, html, 'text/html;charset=utf-8');
        appendLog({ id: 'sh-' + Date.now().toString(36), type: 'spouse',
          generated_at: new Date().toISOString(), filename: fn });
        rerender();
      },
      lastShareOf('spouse'));
  }

  function buildSurvivorCard() {
    return shareCard('share', '🕊', 'share.section.survivor', 'share.survivor.intro',
      'share.survivor.generate',
      () => {
        const html = buildSurvivorHtml();
        const fn = 'if-youre-reading-this-' + new Date().toISOString().slice(0, 10) + '.html';
        downloadFile(fn, html, 'text/html;charset=utf-8');
        appendLog({ id: 'sh-' + Date.now().toString(36), type: 'survivor',
          generated_at: new Date().toISOString(), filename: fn });
        rerender();
      },
      lastShareOf('survivor'));
  }

  function buildAdvisorCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'share' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '👔 ' + t('share.section.advisor')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('share.advisor.intro')));

    const lastAt = lastShareOf('advisor');
    if (lastAt) {
      card.appendChild(el('div', { class: 'tb-field-help', style: { marginBottom: 'var(--tb-sp-2)' } },
        t('share.last_generated') + ': ' + new Date(lastAt).toLocaleDateString()));
    }

    // Scope checkboxes
    const prefs = getPrefs();
    function pref(label, key, defaultOn) {
      const cb = document.createElement('input');
      cb.type = 'checkbox';
      cb.checked = prefs[key] !== false && (defaultOn || prefs[key] === true);
      cb.style.marginRight = '8px';
      cb.onchange = (e) => {
        const p = Object.assign({}, getPrefs());
        p[key] = !!e.target.checked;
        setPrefs(p);
      };
      return el('label', { style: { display: 'flex', alignItems: 'center', fontSize: 'var(--tb-fs-12)', marginBottom: '4px' } },
        cb, label);
    }
    card.appendChild(el('div', { style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)',
      background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
      marginBottom: 'var(--tb-sp-2)' } },
      el('div', { style: { fontWeight: '600', marginBottom: '6px', fontSize: 'var(--tb-fs-12)' } },
        t('share.advisor.scope_label')),
      pref(t('share.advisor.include_balances'),       'advisor_include_balances',       true),
      pref(t('share.advisor.include_documents_list'), 'advisor_include_documents_list', true),
      pref(t('share.advisor.anonymize_family'),       'advisor_anonymize_family',       false),
    ));

    card.appendChild(el('button', {
      class: 'tb-btn', type: 'button',
      style: { padding: '6px 16px' },
      onclick: () => {
        const json = buildAdvisorJson();
        const fn = 'taigan-bridge-advisor-share-' + new Date().toISOString().slice(0, 10) + '.json';
        downloadFile(fn, json, 'application/json;charset=utf-8');
        appendLog({ id: 'sh-' + Date.now().toString(36), type: 'advisor',
          generated_at: new Date().toISOString(), filename: fn });
        rerender();
      },
    }, '⬇ ' + t('share.advisor.generate')));

    return card;
  }

  function buildBackupCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'share' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '💾 ' + t('share.section.backup')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('share.backup.intro')));

    const lastAt = lastShareOf('backup');
    if (lastAt) {
      card.appendChild(el('div', { class: 'tb-field-help', style: { marginBottom: 'var(--tb-sp-2)' } },
        t('share.last_generated') + ': ' + new Date(lastAt).toLocaleDateString()));
    }

    const btnRow = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)', flexWrap: 'wrap' } });
    btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
      style: { padding: '6px 16px' },
      onclick: () => {
        const json = TB.state.export();
        const fn = 'taigan-bridge-backup-' + new Date().toISOString().slice(0, 10) + '.json';
        downloadFile(fn, json, 'application/json;charset=utf-8');
        appendLog({ id: 'sh-' + Date.now().toString(36), type: 'backup',
          generated_at: new Date().toISOString(), filename: fn });
        rerender();
      },
    }, '⬇ ' + t('share.backup.export')));
    btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button',
      style: { padding: '6px 16px' },
      onclick: () => {
        const input = document.createElement('input');
        input.type = 'file';
        input.accept = 'application/json,.json';
        input.onchange = (e) => {
          const f = e.target.files[0];
          if (!f) return;
          const reader = new FileReader();
          reader.onload = () => {
            try {
              if (!confirm(t('share.backup.import_confirm'))) return;
              TB.state.import(reader.result);
              alert(t('share.backup.import_success'));
              window.location.reload();
            } catch (err) {
              alert(t('share.backup.import_error') + ': ' + err.message);
            }
          };
          reader.readAsText(f);
        };
        input.click();
      },
    }, '⬆ ' + t('share.backup.import')));
    card.appendChild(btnRow);

    return card;
  }

  function buildHistoryCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const log = getLog().slice().reverse();  // newest first

    const card = el('div', { class: 'tb-card', 'data-track': 'share' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📚 ' + t('share.section.history')));

    if (log.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('share.history.empty')));
      return card;
    }

    const TYPE_LABELS = {
      spouse:   '👫 ' + t('share.section.spouse'),
      survivor: '🕊 ' + t('share.section.survivor'),
      advisor:  '👔 ' + t('share.section.advisor'),
      backup:   '💾 ' + t('share.section.backup'),
    };

    log.slice(0, 20).forEach((entry) => {
      card.appendChild(el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: '4px', gap: 'var(--tb-sp-3)',
        },
      },
        el('div', null,
          el('div', { style: { fontWeight: '600' } }, TYPE_LABELS[entry.type] || entry.type),
          el('div', { class: 'tb-field-help', style: { marginTop: '2px', fontFamily: 'var(--tb-font-mono)' } },
            entry.filename || '(no filename)'),
        ),
        el('div', { class: 'tb-field-help', style: { fontFamily: 'var(--tb-font-mono)', whiteSpace: 'nowrap' } },
          new Date(entry.generated_at).toLocaleString()),
      ));
    });
    if (log.length > 20) {
      card.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
        t('share.history.more', { count: log.length - 20 })));
    }
    return card;
  }

  function buildPreferencesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const prefs = getPrefs();
    const card = el('div', { class: 'tb-card', 'data-track': 'share' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '⚙ ' + t('share.section.preferences')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('share.preferences.intro')));

    function row(labelKey, helpKey, key, defaultOn) {
      const cb = el('input', { type: 'checkbox',
        checked: prefs[key] !== false && (defaultOn || prefs[key] === true),
        style: { marginRight: '8px' },
        onchange: (e) => {
          const p = Object.assign({}, getPrefs());
          p[key] = !!e.target.checked;
          setPrefs(p);
        } });
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
          cb, t(labelKey)),
        el('div', { class: 'tb-field-help' }, t(helpKey)),
      );
    }
    card.appendChild(row('share.prefs.spouse_balances', 'share.prefs.spouse_balances.help', 'spouse_include_balances', true));
    card.appendChild(row('share.prefs.spouse_documents', 'share.prefs.spouse_documents.help', 'spouse_include_documents', true));
    card.appendChild(row('share.prefs.spouse_actions', 'share.prefs.spouse_actions.help', 'spouse_include_action_items', true));

    // Auto-backup interval — when set, app prompts on load if last
    // backup is older than the threshold. Off by default.
    const autoBackupSel = el('select', {
      class: 'tb-select',
      style: { fontSize: 'var(--tb-fs-12)', padding: '4px 8px' },
      onchange: (e) => {
        const p = Object.assign({}, getPrefs());
        const v = Number(e.target.value);
        if (!v) delete p.auto_backup_days; else p.auto_backup_days = v;
        // Clear any active snooze when the user changes the interval.
        delete p.auto_backup_snoozed_until;
        setPrefs(p);
      },
    },
      el('option', { value: '0',   selected: !prefs.auto_backup_days }, t('share.prefs.autoBackup.off')),
      el('option', { value: '30',  selected: prefs.auto_backup_days === 30 },  t('share.prefs.autoBackup.30')),
      el('option', { value: '90',  selected: prefs.auto_backup_days === 90 },  t('share.prefs.autoBackup.90')),
      el('option', { value: '180', selected: prefs.auto_backup_days === 180 }, t('share.prefs.autoBackup.180')),
    );
    card.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label' }, t('share.prefs.autoBackup.label')),
      autoBackupSel,
      el('div', { class: 'tb-field-help' }, t('share.prefs.autoBackup.help')),
    ));
    return card;
  }

  // ====================================================================
  // Module registration
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id, label_en: 'Sharing & Backup', label_jp: '共有・バックアップ', render,
    searchSections: SECTIONS,
  };

  // ====================================================================
  // Backup action generators (v0.58)
  // ====================================================================
  //
  // Single-file HTML apps don't have automatic cloud sync — if the
  // browser cache is cleared or the device dies, state is gone. We
  // surface "back up now" reminders through the action center on a
  // 30-day cadence so the user doesn't drift into years-no-backup
  // territory.

  function lastBackupAt() {
    const log = (TB.state.get('sharing') || {}).shares_log || [];
    let latest = null;
    for (const entry of log) {
      if (entry.type !== 'backup' || !entry.generated_at) continue;
      if (!latest || entry.generated_at > latest) latest = entry.generated_at;
    }
    return latest;
  }

  function genBackupOverdue() {
    const out = [];
    const last = lastBackupAt();
    if (!last) {
      // Never backed up — only nag once the user has actual state to
      // protect. Otherwise empty installs would show this on day 1.
      const stateBlob = TB.state.export ? TB.state.export() : '{}';
      // Heuristic: state JSON > 8 KB means there's real data worth backing up.
      if (!stateBlob || stateBlob.length < 8000) return out;
      out.push({
        id: 'backup_never',
        group: 'maintenance', urgency: 'medium', icon: '💾',
        title: 'Back up your Taigan Bridge data',
        body: 'You\'ve entered substantial data but haven\'t backed up yet. A single-file backup downloads as one JSON you can store anywhere. Click to back up now.',
        module: 'sharing-backup', snoozable: true,
      });
      return out;
    }
    const lastDate = new Date(last);
    const now = new Date();
    const days = Math.floor((now.getTime() - lastDate.getTime()) / 86400000);
    if (days < 30) return out;
    const urgency = days > 180 ? 'high' : days > 90 ? 'medium' : 'low';
    out.push({
      id: 'backup_overdue',
      group: 'maintenance', urgency, icon: '💾',
      title: 'Last backup was ' + days + ' days ago',
      body: 'Consider downloading a fresh backup. The export is a single JSON file with everything you\'ve entered — store it where you keep your other important records.',
      deadline: null,
      module: 'sharing-backup', snoozable: true,
    });
    return out;
  }

  // ====================================================================
  // Public API
  // ====================================================================

  // One-click backup that any module can call. Triggers a JSON download
  // and stamps the share log so the action-center reminder resets.
  function runBackupNow() {
    if (!TB.state || typeof TB.state.export !== 'function') {
      throw new Error('TB.state.export not available');
    }
    const json = TB.state.export();
    const fn = 'taigan-bridge-backup-' + new Date().toISOString().slice(0, 10) + '.json';
    downloadFile(fn, json, 'application/json;charset=utf-8');
    appendLog({
      id: 'sh-' + Date.now().toString(36),
      type: 'backup',
      generated_at: new Date().toISOString(),
      filename: fn,
    });
    return fn;
  }

  // ====================================================================
  // Auto-backup (v0.60)
  // ====================================================================
  //
  // Browsers can't silently write files to disk — every download
  // requires a user gesture. So "auto-backup" really means: when the
  // user has opted in via prefs.auto_backup_days (30 / 90 / 180), and
  // the last backup is older than that, surface a confirm() prompt on
  // app load asking whether to back up now. One click executes; one
  // click defers (snoozes for 7 days). Default is OFF — no surprise
  // downloads on first run.
  //
  // The snooze field lives on prefs as `auto_backup_snoozed_until` so
  // it survives reloads but auto-clears on a fresh-day boot.
  function maybeAutoBackup() {
    const prefs = getPrefs();
    const interval = Number(prefs.auto_backup_days || 0);
    if (!interval || interval < 7) return false; // off
    const last = lastBackupAt();
    const lastDays = last
      ? Math.floor((Date.now() - new Date(last).getTime()) / 86400000)
      : Infinity;
    if (lastDays < interval) return false; // not yet due
    // Honor snooze (7 days from "remind me later")
    if (prefs.auto_backup_snoozed_until) {
      if (new Date(prefs.auto_backup_snoozed_until).getTime() > Date.now()) return false;
    }
    // Need real data to be worth backing up — same threshold as the
    // never-backed-up reminder so the two checks agree.
    const stateBlob = TB.state.export ? TB.state.export() : '{}';
    if (!stateBlob || stateBlob.length < 8000) return false;

    const t = (TB.i18n && TB.i18n.t) ? TB.i18n.t : ((k) => k);
    const msg = last
      ? t('share.autoBackup.confirm.overdue', { days: lastDays })
      : t('share.autoBackup.confirm.never');
    if (confirm(msg)) {
      try { runBackupNow(); }
      catch (e) { console.error('[autobackup] download failed:', e); }
    } else {
      // Snooze 7 days
      const snoozeUntil = new Date(Date.now() + 7 * 86400000).toISOString();
      const p = Object.assign({}, getPrefs());
      p.auto_backup_snoozed_until = snoozeUntil;
      setPrefs(p);
    }
    return true;
  }

  window.TB.sharingBackup = {
    buildSpouseHandoffHtml, buildSurvivorHtml, buildAdvisorJson,
    runBackupNow, lastBackupAt, maybeAutoBackup,
    actionGenerators: [genBackupOverdue],
  };
})();

</script>
  <script data-source="scripts/modules/consultations.js">
/* Taigan Bridge — modules/consultations.js
 *
 * Consultation Tracker — log of professional advisors engaged + per-
 * consultation notes. Reinforces the "informational, not professional
 * advice" positioning by making it easy to track WHO has actually
 * reviewed WHAT.
 *
 * Surfaces "have you consulted on X?" prompts based on user state:
 *   - PFIC detected in Assets    → recommends specialist CPA
 *   - Renunciation contemplated  → recommends specialist consultation
 *   - JP estate >¥30M projected  → recommends 税理士
 *   - VA disability rating > 0   → recommends VA-accredited claims agent
 *   - 養子縁組 in family plan   → recommends 司法書士
 */

(function () {
  'use strict';

  const id = 'consultations';

  // ====================================================================
  // Reference data
  // ====================================================================

  const PROFESSIONAL_TYPES = [
    { id: 'cpa_us',         label_en: 'US CPA',                 label_jp: '米国 CPA' },
    { id: 'cpa_us_intl',    label_en: 'US CPA (international specialty)', label_jp: '米国 CPA(国際税務専門)' },
    { id: 'tax_jp',         label_en: '税理士 (JP tax accountant)', label_jp: '税理士' },
    { id: 'lawyer_us',      label_en: 'US attorney',            label_jp: '米国弁護士' },
    { id: 'lawyer_jp',      label_en: '弁護士 (JP attorney)',     label_jp: '弁護士' },
    { id: 'shihoshoshi',    label_en: '司法書士 (judicial scrivener)', label_jp: '司法書士' },
    { id: 'gyoseishoshi',   label_en: '行政書士 (administrative scrivener)', label_jp: '行政書士' },
    { id: 'immigration_us', label_en: 'US immigration attorney', label_jp: '米国移民弁護士' },
    { id: 'va_claims',      label_en: 'VA-accredited claims agent', label_jp: 'VA 認定請求代理人' },
    { id: 'financial_planner', label_en: 'Financial planner / CFP', label_jp: 'ファイナンシャルプランナー / CFP' },
    { id: 'estate_planner', label_en: 'Estate planner',         label_jp: '相続プランナー' },
    { id: 'enrolled_agent', label_en: 'Enrolled Agent (US)',    label_jp: '登録税務代理人(米国)' },
    { id: 'other',          label_en: 'Other',                  label_jp: 'その他' },
  ];

  const RETAINER_STATUS = [
    { id: 'engaged',   label_en: 'Currently engaged' },
    { id: 'on_call',   label_en: 'On call (no active engagement)' },
    { id: 'past',      label_en: 'Past engagement' },
  ];

  const RELATED_MODULES = [
    'tax-coordinator', 'fbar', 'estate', 'family', 'property',
    'veteran', 'resident', 'healthcare', 'projections', 'decumulation',
    'sofa-roth', 'fx-banking', 'document-vault',
  ];

  // ====================================================================
  // State accessors
  // ====================================================================

  function getConsultations() { return TB.state.get('consultations') || {}; }
  function getProfessionals() { return getConsultations().professionals || []; }
  function getConsultLog()    { return getConsultations().consultations || []; }

  function setProfessionals(arr) {
    const c = getConsultations();
    c.professionals = arr;
    TB.state.set('consultations', c);
  }
  function setConsultLog(arr) {
    const c = getConsultations();
    c.consultations = arr;
    TB.state.set('consultations', c);
  }

  function uuid(prefix) {
    return (prefix || 'con-') + Date.now().toString(36) + '-' + Math.random().toString(36).slice(2, 6);
  }
  function upsertProfessional(rec) {
    const arr = getProfessionals();
    const i = arr.findIndex((x) => x.id === rec.id);
    if (i >= 0) arr[i] = rec;
    else arr.push(rec);
    setProfessionals(arr);
  }
  function upsertConsultation(rec) {
    const arr = getConsultLog();
    const i = arr.findIndex((x) => x.id === rec.id);
    if (i >= 0) arr[i] = rec;
    else arr.push(rec);
    setConsultLog(arr);
  }

  // ====================================================================
  // Reminders — derive "have you consulted on X?" prompts
  // ====================================================================

  function buildReminders() {
    const out = [];
    const log = getConsultLog();
    const professionals = getProfessionals();

    function hasConsultedOn(topic, withinDays) {
      const cutoff = withinDays
        ? Date.now() - withinDays * 86400000 : 0;
      return log.some((c) => {
        if (c.date && new Date(c.date).getTime() < cutoff) return false;
        const t = (c.topic || '') + ' ' + (c.summary || '') + ' ' + (c.notes || '');
        return t.toLowerCase().indexOf(topic.toLowerCase()) !== -1;
      });
    }
    function hasProfessionalType(typeId) {
      return professionals.some((p) => p.type === typeId &&
        (p.retainer_status === 'engaged' || p.retainer_status === 'on_call'));
    }

    // PFIC detected → recommend international-CPA consultation
    try {
      if (TB.taxCoord && typeof TB.taxCoord.buildContext === 'function') {
        const ctx = TB.taxCoord.buildContext();
        if (ctx.has_pfic === true && !hasConsultedOn('PFIC', 365)) {
          out.push({
            severity: 'high', icon: '⚠',
            title_key: 'consult.reminder.pfic.title',
            body_key: 'consult.reminder.pfic.body',
            recommended_type: 'cpa_us_intl',
          });
        }
      }
    } catch (err) { /* swallow */ }

    // Renunciation contemplated → specialist consultation
    try {
      const r = TB.state.get('family.renunciation') || {};
      if (r.contemplating && !r.consultation_complete &&
          !hasConsultedOn('renunciation', 720)) {
        out.push({
          severity: 'high', icon: '⚠',
          title_key: 'consult.reminder.renunciation.title',
          body_key: 'consult.reminder.renunciation.body',
          recommended_type: 'cpa_us_intl',
        });
      }
    } catch (err) { /* swallow */ }

    // High JP estate exposure → 税理士
    try {
      if (TB.estate && typeof TB.estate.computeJpInheritanceTax === 'function') {
        const tax = TB.estate.computeJpInheritanceTax();
        if (tax.net_tax > 30_000_000 && !hasProfessionalType('tax_jp')) {
          out.push({
            severity: 'medium', icon: '💴',
            title_key: 'consult.reminder.jp_estate.title',
            body_key: 'consult.reminder.jp_estate.body',
            recommended_type: 'tax_jp',
          });
        }
      }
    } catch (err) { /* swallow */ }

    // VA disability rating → VA-accredited claims agent
    try {
      const rating = TB.state.get('veteran.disability.overall_rating_pct') || 0;
      if (rating > 0 && !hasProfessionalType('va_claims') &&
          !hasConsultedOn('VA', 730)) {
        out.push({
          severity: 'low', icon: '🎖',
          title_key: 'consult.reminder.va.title',
          body_key: 'consult.reminder.va.body',
          recommended_type: 'va_claims',
        });
      }
    } catch (err) { /* swallow */ }

    // No CPA at all but US person living in JP — universal recommendation
    try {
      const visa = TB.state.get('onboarding.answers.visa');
      const taxStatus = TB.state.get('onboarding.answers.tax_status');
      const inJapan = TB.state.get('onboarding.answers.in_japan');
      if (inJapan === 'yes' && visa !== 'sofa' &&
          !hasProfessionalType('cpa_us') && !hasProfessionalType('cpa_us_intl')) {
        out.push({
          severity: 'medium', icon: '👔',
          title_key: 'consult.reminder.no_cpa.title',
          body_key: 'consult.reminder.no_cpa.body',
          recommended_type: 'cpa_us_intl',
        });
      }
    } catch (err) { /* swallow */ }

    // Engaged professional with stale follow-up
    log.forEach((c) => {
      if (!c.follow_up_needed || !c.follow_up_date) return;
      const days = Math.floor((Date.now() - new Date(c.follow_up_date).getTime()) / 86400000);
      if (days < 0) return;  // future date
      if (days > 30) {
        const pro = professionals.find((p) => p.id === c.professional_id);
        out.push({
          severity: days > 90 ? 'high' : 'medium',
          icon: '⏰',
          title_key: 'consult.reminder.followup.title',
          title_data: { name: pro ? pro.name : '(unknown)', topic: c.topic || '' },
          body_key: 'consult.reminder.followup.body',
          body_data: { days },
          consultation_id: c.id,
        });
      }
    });

    return out;
  }

  // ====================================================================
  // Module render
  // ====================================================================

  let host = null;
  let listenerSet = false;

  const SECTIONS = [
    { id: 'header',       always: true, builder: () => buildHeaderCard() },
    { id: 'reminders',    always: true, builder: () => buildRemindersCard() },
    { id: 'professionals', always: true, builder: () => buildProfessionalsCard() },
    { id: 'log',          always: true, builder: () => buildLogCard() },
    { id: 'resources',    always: true, builder: () => buildResourcesCard() },
  ];

  function render(container) {
    host = container;
    if (!listenerSet) {
      TB.customize.onChange(id, () => rerender());
      listenerSet = true;
    }
    container.innerHTML = '';
    SECTIONS.forEach((s) => {
      if (s.always || TB.customize.isSectionEnabled(id, s.id, s.auto_show)) {
        container.appendChild(s.builder());
      }
    });
    container.appendChild(TB.customize.buildPanel(id, SECTIONS));
  }
  function rerender() { if (host) render(host); }

  // ─── Header ───────────────────────────────────────────────────────

  function buildHeaderCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    return el('div', { class: 'tb-card', 'data-track': 'consult' },
      el('div', { class: 'tb-card-meta' },
        el('span', { class: 'tb-badge tb-badge--track', 'data-track': 'consult' }, t('consult.badge')),
      ),
      el('h1', null, '👔 ' + t('consult.title')),
      el('p', { class: 'tb-card-meta' }, t('consult.subtitle')),
    );
  }

  // ─── Reminders ────────────────────────────────────────────────────

  function buildRemindersCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const reminders = buildReminders();

    const card = el('div', { class: 'tb-card', 'data-track': 'consult' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '🔔 ' + t('consult.section.reminders')));

    if (reminders.length === 0) {
      card.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid var(--tb-success)',
          background: 'rgba(47, 111, 78, 0.06)', borderRadius: 'var(--tb-radius-1)',
        },
      },
        el('div', { style: { fontWeight: '600', color: 'var(--tb-success)' } },
          '✓ ' + t('consult.reminders.none')),
        el('p', { style: { margin: '4px 0 0 0', fontSize: 'var(--tb-fs-12)' } },
          t('consult.reminders.none_body')),
      ));
      return card;
    }

    reminders.forEach((r) => {
      const color = r.severity === 'high' ? 'var(--tb-error)'
                  : r.severity === 'medium' ? 'var(--tb-warn)'
                  : 'var(--tb-track-consult)';
      const proType = PROFESSIONAL_TYPES.find((p) => p.id === r.recommended_type);
      card.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)', borderLeft: '3px solid ' + color,
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      },
        el('div', { style: { fontWeight: '600', marginBottom: '4px' } },
          r.icon + ' ' + t(r.title_key, r.title_data || {})),
        el('p', { style: { margin: 0, fontSize: 'var(--tb-fs-14)' } },
          t(r.body_key, r.body_data || {})),
        proType
          ? el('div', { class: 'tb-field-help', style: { marginTop: '6px' } },
              t('consult.reminder.recommended') + ': ' + proType.label_en)
          : null,
      ));
    });

    return card;
  }

  // ─── Professionals roster ─────────────────────────────────────────

  function buildProfessionalsCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const professionals = getProfessionals();

    const card = el('div', { class: 'tb-card', 'data-track': 'consult' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '🧑‍💼 ' + t('consult.section.professionals')),
      el('button', { class: 'tb-btn', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openProfessionalModal(null) }, '＋ ' + t('consult.add_professional')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('consult.professionals.intro')));

    if (professionals.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('consult.professionals.empty')));
      return card;
    }

    professionals.forEach((p) => {
      const typeMeta = PROFESSIONAL_TYPES.find((x) => x.id === p.type) || {};
      const typeLabel = lang === 'ja' ? typeMeta.label_jp : typeMeta.label_en;
      const statusMeta = RETAINER_STATUS.find((x) => x.id === p.retainer_status) || {};
      let statusColor = 'var(--tb-text-soft)';
      if (p.retainer_status === 'engaged') statusColor = 'var(--tb-success)';
      else if (p.retainer_status === 'on_call') statusColor = 'var(--tb-track-consult)';

      const consultCount = getConsultLog().filter((c) => c.professional_id === p.id).length;

      card.appendChild(el('div', {
        style: {
          display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-consult)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)', gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
        },
      },
        el('div', { style: { flex: '1', minWidth: '180px' } },
          el('div', { style: { fontWeight: '600' } },
            p.name + (p.firm ? ' · ' + p.firm : '')),
          el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
            (typeLabel || '—') + (p.specialty ? ' · ' + p.specialty : '') +
            (p.city || p.jurisdiction ? ' · ' + [p.city, p.jurisdiction].filter(Boolean).join(', ') : '')),
          consultCount > 0
            ? el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
                '📝 ' + consultCount + ' ' + t('consult.consultations_count'))
            : null,
        ),
        el('div', { style: { display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)' } },
          el('span', { style: { color: statusColor, fontSize: 'var(--tb-fs-12)', fontWeight: '600' } },
            statusMeta.label_en || '—'),
          el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
            style: { padding: '2px 8px', fontSize: 'var(--tb-fs-12)' },
            onclick: () => openConsultationModal(null, p.id) }, '＋ ' + t('consult.log_consult')),
          el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
            style: { padding: '2px 8px', fontSize: 'var(--tb-fs-12)' },
            onclick: () => openProfessionalModal(p) }, '✎'),
        ),
      ));
    });

    return card;
  }

  function openProfessionalModal(existing) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const root = document.getElementById('tb-modal-root');
    const isNew = !existing;
    const draft = Object.assign({
      id: uuid('pro-'), name: '', type: 'cpa_us_intl', firm: '',
      contact: '', city: '', jurisdiction: '', specialty: '',
      retainer_status: 'engaged', notes: '',
      created_at: new Date().toISOString(),
    }, existing || {});

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      isNew ? t('consult.modal.add_professional') : t('consult.modal.edit_professional')));

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    modal.appendChild(field(t('consult.field.name'),
      el('input', { type: 'text', class: 'tb-input', value: draft.name,
        oninput: (e) => { draft.name = e.target.value; } })));
    modal.appendChild(field(t('consult.field.type'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.type = e.target.value; } },
        ...PROFESSIONAL_TYPES.map((typ) => el('option', {
          value: typ.id, selected: draft.type === typ.id,
        }, lang === 'ja' ? typ.label_jp : typ.label_en)),
      )));
    modal.appendChild(field(t('consult.field.firm'),
      el('input', { type: 'text', class: 'tb-input', value: draft.firm,
        placeholder: 'e.g. "Sakura Tax Office", "Sample Expat CPA"',
        oninput: (e) => { draft.firm = e.target.value; } })));
    modal.appendChild(field(t('consult.field.contact'),
      el('input', { type: 'text', class: 'tb-input', value: draft.contact,
        placeholder: 'Email / phone / LINE',
        oninput: (e) => { draft.contact = e.target.value; } })));

    const locRow = el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-2)' } });
    locRow.appendChild(field(t('consult.field.city'),
      el('input', { type: 'text', class: 'tb-input', value: draft.city,
        oninput: (e) => { draft.city = e.target.value; } })));
    locRow.appendChild(field(t('consult.field.jurisdiction'),
      el('input', { type: 'text', class: 'tb-input', value: draft.jurisdiction,
        placeholder: 'e.g. "Tokyo", "California"',
        oninput: (e) => { draft.jurisdiction = e.target.value; } })));
    modal.appendChild(locRow);

    modal.appendChild(field(t('consult.field.specialty'),
      el('input', { type: 'text', class: 'tb-input', value: draft.specialty,
        placeholder: 'e.g. "PFIC, expat tax, JP estate"',
        oninput: (e) => { draft.specialty = e.target.value; } }),
      t('consult.field.specialty.help')));

    modal.appendChild(field(t('consult.field.retainer_status'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.retainer_status = e.target.value; } },
        ...RETAINER_STATUS.map((s) => el('option', {
          value: s.id, selected: draft.retainer_status === s.id,
        }, s.label_en)),
      )));

    modal.appendChild(field(t('consult.field.notes'),
      el('textarea', { class: 'tb-input', rows: 3,
        oninput: (e) => { draft.notes = e.target.value; } }, draft.notes || '')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', marginTop: 'var(--tb-sp-4)' } });
    if (!isNew) {
      btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--danger', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => {
          if (confirm(t('consult.confirm.delete_professional'))) {
            setProfessionals(getProfessionals().filter((x) => x.id !== draft.id));
            close(); rerender();
          }
        } }, '🗑 ' + t('consult.delete')));
    } else {
      btnRow.appendChild(el('div', null));
    }
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('consult.cancel')));
    right.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => {
        draft.updated_at = new Date().toISOString();
        upsertProfessional(draft);
        close(); rerender();
      } }, t('consult.save')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Consultation log ────────────────────────────────────────────

  function buildLogCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const log = getConsultLog().slice().sort((a, b) => (b.date || '').localeCompare(a.date || ''));
    const professionals = getProfessionals();

    const card = el('div', { class: 'tb-card', 'data-track': 'consult' });
    card.appendChild(el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline' } },
      el('h2', { style: { margin: 0 } }, '📝 ' + t('consult.section.log')),
      el('button', { class: 'tb-btn', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => openConsultationModal(null) }, '＋ ' + t('consult.log_consult')),
    ));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('consult.log.intro')));

    if (log.length === 0) {
      card.appendChild(el('p', { class: 'tb-field-help' }, t('consult.log.empty')));
      return card;
    }

    log.slice(0, 30).forEach((c) => {
      const pro = professionals.find((p) => p.id === c.professional_id);
      const followUpStale = c.follow_up_needed && c.follow_up_date &&
        new Date(c.follow_up_date) < new Date();
      card.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid ' + (followUpStale ? 'var(--tb-warn)' : 'var(--tb-track-consult)'),
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      },
        el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' } },
          el('div', null,
            el('div', { style: { fontWeight: '600' } }, c.topic || '(no topic)'),
            el('div', { class: 'tb-field-help', style: { marginTop: '2px' } },
              (pro ? pro.name + (pro.firm ? ' · ' + pro.firm : '') : '(unknown professional)') +
              ' · ' + (c.date || '—') +
              (c.related_module ? ' · ' + c.related_module : '')),
          ),
          el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
            style: { padding: '2px 8px', fontSize: 'var(--tb-fs-12)' },
            onclick: () => openConsultationModal(c) }, '✎'),
        ),
        c.summary
          ? el('div', { style: { marginTop: '6px', fontSize: 'var(--tb-fs-14)' } }, c.summary)
          : null,
        followUpStale
          ? el('div', { style: { marginTop: '4px', color: 'var(--tb-warn)', fontSize: 'var(--tb-fs-12)' } },
              '⏰ ' + t('consult.followup_overdue', { date: c.follow_up_date }))
          : (c.follow_up_needed && c.follow_up_date
              ? el('div', { class: 'tb-field-help', style: { marginTop: '4px' } },
                  '📅 ' + t('consult.followup_scheduled', { date: c.follow_up_date }))
              : null),
      ));
    });

    if (log.length > 30) {
      card.appendChild(el('p', { class: 'tb-field-help' },
        t('consult.log.more', { count: log.length - 30 })));
    }

    return card;
  }

  function openConsultationModal(existing, defaultProfessionalId) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const root = document.getElementById('tb-modal-root');
    const isNew = !existing;
    const draft = Object.assign({
      id: uuid('cons-'),
      professional_id: defaultProfessionalId || (getProfessionals()[0] && getProfessionals()[0].id) || '',
      date: new Date().toISOString().slice(0, 10),
      topic: '',
      summary: '',
      follow_up_needed: false,
      follow_up_date: null,
      related_module: '',
      notes: '',
    }, existing || {});

    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', { class: 'tb-modal' });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('h2', { style: { marginTop: 0 } },
      isNew ? t('consult.modal.log_consult') : t('consult.modal.edit_consult')));

    const professionals = getProfessionals();
    if (professionals.length === 0) {
      modal.appendChild(el('p', { class: 'tb-card-meta' }, t('consult.modal.no_pros_first')));
      modal.appendChild(el('button', { class: 'tb-btn', type: 'button',
        style: { marginTop: 'var(--tb-sp-2)' },
        onclick: () => { close(); openProfessionalModal(null); } }, '＋ ' + t('consult.add_professional')));
      const btnRow = el('div', { style: { display: 'flex', justifyContent: 'flex-end', marginTop: 'var(--tb-sp-3)' } });
      btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('consult.cancel')));
      modal.appendChild(btnRow);
      root.innerHTML = '';
      root.appendChild(backdrop);
      return;
    }

    function field(label, input, help) {
      return el('div', { class: 'tb-field' },
        el('label', { class: 'tb-field-label' }, label),
        input,
        help ? el('div', { class: 'tb-field-help' }, help) : null,
      );
    }

    modal.appendChild(field(t('consult.field.professional'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.professional_id = e.target.value; } },
        ...professionals.map((p) => el('option', {
          value: p.id, selected: draft.professional_id === p.id,
        }, p.name + (p.firm ? ' (' + p.firm + ')' : ''))),
      )));

    const dtRow = el('div', { style: { display: 'grid', gridTemplateColumns: '1fr 1fr', gap: 'var(--tb-sp-2)' } });
    dtRow.appendChild(field(t('consult.field.date'),
      el('input', { type: 'date', class: 'tb-input', value: draft.date,
        oninput: (e) => { draft.date = e.target.value; } })));
    dtRow.appendChild(field(t('consult.field.related_module'),
      el('select', { class: 'tb-select',
        onchange: (e) => { draft.related_module = e.target.value || ''; } },
        el('option', { value: '', selected: !draft.related_module }, '—'),
        ...RELATED_MODULES.map((m) => el('option', {
          value: m, selected: draft.related_module === m,
        }, m)),
      )));
    modal.appendChild(dtRow);

    modal.appendChild(field(t('consult.field.topic'),
      el('input', { type: 'text', class: 'tb-input', value: draft.topic,
        placeholder: 'e.g. "PFIC mitigation strategy"',
        oninput: (e) => { draft.topic = e.target.value; } })));

    modal.appendChild(field(t('consult.field.summary'),
      el('textarea', { class: 'tb-input', rows: 4,
        placeholder: t('consult.field.summary.placeholder'),
        oninput: (e) => { draft.summary = e.target.value; } }, draft.summary || ''),
      t('consult.field.summary.help')));

    const fuCheck = el('input', { type: 'checkbox', checked: !!draft.follow_up_needed,
      style: { marginRight: '8px' },
      onchange: (e) => { draft.follow_up_needed = !!e.target.checked; } });
    modal.appendChild(el('div', { class: 'tb-field' },
      el('label', { class: 'tb-field-label', style: { display: 'flex', alignItems: 'center' } },
        fuCheck, t('consult.field.follow_up_needed'))));

    modal.appendChild(field(t('consult.field.follow_up_date'),
      el('input', { type: 'date', class: 'tb-input',
        value: draft.follow_up_date || '',
        oninput: (e) => { draft.follow_up_date = e.target.value || null; } }),
      t('consult.field.follow_up_date.help')));

    const btnRow = el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', marginTop: 'var(--tb-sp-4)' } });
    if (!isNew) {
      btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--danger', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => {
          if (confirm(t('consult.confirm.delete_consult'))) {
            setConsultLog(getConsultLog().filter((x) => x.id !== draft.id));
            close(); rerender();
          }
        } }, '🗑 ' + t('consult.delete')));
    } else {
      btnRow.appendChild(el('div', null));
    }
    const right = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-2)' } });
    right.appendChild(el('button', { class: 'tb-btn tb-btn--secondary', type: 'button', onclick: close }, t('consult.cancel')));
    right.appendChild(el('button', { class: 'tb-btn', type: 'button',
      onclick: () => {
        upsertConsultation(draft);
        close(); rerender();
      } }, t('consult.save')));
    btnRow.appendChild(right);
    modal.appendChild(btnRow);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Resources ────────────────────────────────────────────────────

  function buildResourcesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'consult' });
    card.appendChild(el('h2', { style: { marginTop: 0 } }, '📚 ' + t('consult.section.resources')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('consult.resources.intro')));

    function resource(title, desc, url) {
      return el('div', {
        style: {
          padding: 'var(--tb-sp-2) var(--tb-sp-3)',
          borderLeft: '3px solid var(--tb-track-consult)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
          marginBottom: 'var(--tb-sp-2)',
        },
      },
        el('div', { style: { fontWeight: '600' } }, title),
        el('div', { class: 'tb-field-help', style: { margin: '4px 0' } }, desc),
        url ? el('a', { href: url, target: '_blank', rel: 'noopener noreferrer',
          style: { color: 'var(--tb-navy)', fontSize: 'var(--tb-fs-12)' } }, url + ' →') : null,
      );
    }
    card.appendChild(resource(t('consult.resources.aicpa.title'), t('consult.resources.aicpa.body'),
      'https://www.aicpa-cima.com/resources/landing/find-a-cpa'));
    card.appendChild(resource(t('consult.resources.tokyo_lawyers.title'), t('consult.resources.tokyo_lawyers.body'),
      'https://www.toben.or.jp/english/'));
    card.appendChild(resource(t('consult.resources.va_accredited.title'), t('consult.resources.va_accredited.body'),
      'https://www.va.gov/ogc/apps/accreditation/index.asp'));
    card.appendChild(resource(t('consult.resources.aila.title'), t('consult.resources.aila.body'),
      'https://www.ailalawyer.com/'));
    return card;
  }

  // ====================================================================
  // Action Center generators
  // ====================================================================

  function genFollowUpOverdue() {
    const out = [];
    getConsultLog().forEach((c) => {
      if (!c.follow_up_needed || !c.follow_up_date) return;
      const days = Math.floor((Date.now() - new Date(c.follow_up_date).getTime()) / 86400000);
      if (days < 0 || days > 365) return;
      const pro = getProfessionals().find((p) => p.id === c.professional_id);
      out.push({
        id: 'consult_followup_' + c.id,
        group: 'consult',
        urgency: days > 60 ? 'high' : 'medium',
        icon: '⏰',
        title: 'Follow-up overdue: ' + (c.topic || '(consultation)') + ' with ' + (pro ? pro.name : '(unknown)'),
        body: 'Originally scheduled to follow up by ' + c.follow_up_date + '. Overdue by ' + days + ' days. Open Consultations module to update or schedule new consultation.',
        deadline: c.follow_up_date,
        module: 'consultations', snoozable: true,
      });
    });
    return out;
  }

  function genSpecialistRecommended() {
    const out = [];
    const reminders = buildReminders();
    reminders.forEach((r) => {
      // Skip the follow-up reminder — that's covered by genFollowUpOverdue
      if (r.title_key === 'consult.reminder.followup.title') return;
      out.push({
        id: 'consult_recommended_' + (r.title_key || '').replace(/\W/g, '_'),
        group: 'consult',
        urgency: r.severity || 'medium',
        icon: r.icon || '👔',
        title: TB.i18n.t(r.title_key, r.title_data || {}),
        body: TB.i18n.t(r.body_key, r.body_data || {}) +
          (r.recommended_type
            ? ' Recommended type: ' + (PROFESSIONAL_TYPES.find((p) => p.id === r.recommended_type) || {}).label_en
            : ''),
        module: 'consultations', snoozable: true,
      });
    });
    return out;
  }

  // ====================================================================
  // Module registration
  // ====================================================================

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = {
    id, label_en: 'Consultations', label_jp: 'コンサルテーション', render,
    searchSections: SECTIONS,
  };

  window.TB.consultations = {
    actionGenerators: [genFollowUpOverdue, genSpecialistRecommended],
    PROFESSIONAL_TYPES, RETAINER_STATUS, RELATED_MODULES,
    buildReminders,
  };
})();

</script>
  <script data-source="scripts/modules/settings.js">
/* Taigan Bridge — modules/settings.js (v0.2.3)
 *
 * Settings panel:
 *   - AI & API key (key entry + model picker with pricing)
 *   - Token usage monitoring (today's tokens + cost + daily limit)
 *   - API credit balance (remaining + reconcile + progress bar)
 *   - Log a top-up (form + history table)
 *   - Language toggle
 *   - Backup / restore
 *   - Delete all data (danger zone)
 *
 * All AI usage data lives under settings.usage and is populated by
 * TB.ai.recordUsage() from every API call. Credits / top-ups live
 * under settings.credits.
 */

(function () {
  'use strict';

  const id = 'settings';

  const RELEASES_URL = 'https://github.com/beichhorn-taigan/taigan-bridge/releases/latest';

  // True when running as the hosted preview (any non-file:// origin).
  // Used to lock down credential entry and backup restore so demo
  // visitors can't paste a real API key or load a real backup into a
  // copy of the app they don't own.
  function isDemo() {
    return !!(window.TB && TB.hostedDemo && TB.hostedDemo.isHostedDemo &&
              TB.hostedDemo.isHostedDemo());
  }

  function render(container) {
    container.innerHTML = '';
    container.appendChild(buildAiAndApiKeyCard());
    container.appendChild(buildAiConsentCard());
    container.appendChild(buildUsageDashboardCard());
    container.appendChild(buildFxRatesCard());
    container.appendChild(buildAccessibilityCard());
    container.appendChild(buildLanguageCard());
    container.appendChild(buildUpdateCheckCard());
    container.appendChild(buildBackupCard());
    container.appendChild(buildDemoDataCard());
    container.appendChild(buildDangerCard());
  }

  // Demo / sample-data card — load a complete fictional household
  // to evaluate the tool without committing real data, or exit demo
  // mode and wipe back to a clean slate. Both actions are
  // confirmation-gated (see TB.sampleData.loadInteractive / exit).
  function buildDemoDataCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(el('h2', null, '🧪 ' + t('settings.demo.title')));
    card.appendChild(el('p', { class: 'tb-card-meta' }, t('settings.demo.intro')));
    const active = TB.sampleData && TB.sampleData.isDemoActive();
    const row = el('div', { class: 'tb-btn-row' });
    if (active) {
      row.appendChild(el('div', {
        style: {
          padding: '6px 14px',
          background: 'rgba(185, 122, 26, 0.12)',
          color: 'var(--tb-warn, #B97A1A)',
          borderRadius: 'var(--tb-radius-pill, 999px)',
          fontSize: 'var(--tb-fs-12)',
          fontWeight: '600',
        },
      }, '🧪 ' + t('settings.demo.activeBadge')));
      row.appendChild(el('button', {
        class: 'tb-btn tb-btn--danger', type: 'button',
        onclick: () => { if (TB.sampleData) TB.sampleData.exit(); },
      }, t('settings.demo.exitBtn')));
    } else {
      row.appendChild(el('button', {
        class: 'tb-btn', type: 'button',
        onclick: () => { if (TB.sampleData) TB.sampleData.loadInteractive(); },
        title: t('settings.demo.loadTooltip'),
      }, '🧪 ' + t('settings.demo.loadBtn')));
    }
    card.appendChild(row);
    card.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-2)' } },
      t('settings.demo.help')));
    return card;
  }

  function rerender() {
    const view = document.getElementById('tb-view');
    if (view) render(view);
  }

  // ====================================================================
  // AI & API KEY (API key + model + usage + credits + topups)
  // ====================================================================

  function buildAiAndApiKeyCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });

    card.appendChild(sectionHeading('🔑', t('settings.ai.title')));
    card.appendChild(buildApiKeyBlock());
    card.appendChild(buildModelBlock());
    card.appendChild(divider());
    card.appendChild(subHeading(t('settings.ai.usage.title')));
    card.appendChild(buildUsageBlock());
    card.appendChild(divider());
    card.appendChild(subHeading('💳 ' + t('settings.ai.credits.title'), {
      right: el('a', {
        href: 'https://console.anthropic.com/settings/billing',
        target: '_blank',
        rel: 'noopener',
        class: 'tb-card-meta',
        style: { textDecoration: 'none' },
      }, '🧾 ' + t('settings.ai.credits.buyLink') + ' →'),
    }));
    card.appendChild(buildCreditsBlock());
    card.appendChild(buildTopupFormBlock());
    card.appendChild(buildTopupHistoryBlock());

    return card;
  }

  // ====================================================================
  // AI USAGE DASHBOARD (cost chart, per-feature + per-model breakdowns,
  //                    monthly aggregates, CSV export)
  // ====================================================================

  function buildUsageDashboardCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(sectionHeading('📊', t('settings.dashboard.title')));
    card.appendChild(el('p', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-3)' } },
      t('settings.dashboard.help'),
    ));

    const usage = TB.ai.getUsage ? TB.ai.getUsage() : (TB.state.get('settings.usage') || { daily: {}, all_time: {} });
    const daily = usage.daily || {};
    const dayKeys = Object.keys(daily).sort(); // ascending

    if (dayKeys.length === 0) {
      card.appendChild(el('div', {
        style: {
          padding: 'var(--tb-sp-4)', textAlign: 'center',
          background: 'var(--tb-bg)', border: '1px dashed var(--tb-border)',
          borderRadius: 'var(--tb-radius-2)', color: 'var(--tb-text-soft)',
        },
      }, '📭 ' + t('settings.dashboard.empty')));
      return card;
    }

    card.appendChild(buildSummaryStrip(usage));
    card.appendChild(divider());
    card.appendChild(subHeading(t('settings.dashboard.chart.title')));
    card.appendChild(buildCostChart(daily, 30));
    card.appendChild(divider());
    card.appendChild(subHeading(t('settings.dashboard.byFeature.title')));
    card.appendChild(buildFeatureBreakdown(usage, daily));
    card.appendChild(divider());
    card.appendChild(subHeading(t('settings.dashboard.byModel.title')));
    card.appendChild(buildModelBreakdown(usage));
    card.appendChild(divider());
    card.appendChild(subHeading(t('settings.dashboard.monthly.title')));
    card.appendChild(buildMonthlyAggregates(daily));
    card.appendChild(divider());
    card.appendChild(buildExportRow(daily));

    return card;
  }

  // ----- Summary strip (this-month-to-date, last 30d, lifetime) ----

  function buildSummaryStrip(usage) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const all = usage.all_time || { input_tokens: 0, output_tokens: 0, cost_usd: 0, calls: 0 };
    const daily = usage.daily || {};

    const today = new Date();
    const monthKey = today.toISOString().slice(0, 7);
    let mtdCost = 0, mtdCalls = 0;
    let last30Cost = 0, last30Calls = 0;
    const cutoff = new Date(today);
    cutoff.setDate(cutoff.getDate() - 29); // last 30 days incl. today
    const cutoffKey = cutoff.toISOString().slice(0, 10);

    for (const [day, info] of Object.entries(daily)) {
      if (day.startsWith(monthKey)) {
        mtdCost += Number(info.cost_usd) || 0;
        mtdCalls += Number(info.calls) || 0;
      }
      if (day >= cutoffKey) {
        last30Cost += Number(info.cost_usd) || 0;
        last30Calls += Number(info.calls) || 0;
      }
    }

    const totalCalls = Number(all.calls) || 0;
    const totalCost = Number(all.cost_usd) || 0;
    const avgPerCall = totalCalls > 0 ? totalCost / totalCalls : 0;

    function statBlock(value, label, sub) {
      return el('div', {
        style: {
          flex: '1 1 160px', padding: 'var(--tb-sp-3) var(--tb-sp-4)',
          background: 'var(--tb-bg)', border: '1px solid var(--tb-border)',
          borderRadius: 'var(--tb-radius-2)',
        },
      },
        el('div', {
          style: {
            fontSize: 'var(--tb-fs-22)', fontWeight: 700,
            fontFamily: 'var(--tb-font-mono)', color: 'var(--tb-success)',
          },
        }, value),
        el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-1)' } }, label),
        sub ? el('div', { class: 'tb-card-meta', style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' } }, sub) : null,
      );
    }

    return el('div', {
      style: { display: 'flex', gap: 'var(--tb-sp-3)', flexWrap: 'wrap' },
    },
      statBlock('$' + mtdCost.toFixed(4), t('settings.dashboard.summary.mtd'),
        t('settings.dashboard.summary.calls', { n: mtdCalls })),
      statBlock('$' + last30Cost.toFixed(4), t('settings.dashboard.summary.last30'),
        t('settings.dashboard.summary.calls', { n: last30Calls })),
      statBlock('$' + totalCost.toFixed(2), t('settings.dashboard.summary.lifetime'),
        t('settings.dashboard.summary.calls', { n: totalCalls })),
      statBlock('$' + avgPerCall.toFixed(4), t('settings.dashboard.summary.avgPerCall'),
        t('settings.dashboard.summary.avgHelp')),
    );
  }

  // ----- 30-day SVG cost chart -----------------------------------

  function buildCostChart(daily, daysBack) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const days = [];
    const today = new Date();
    for (let i = daysBack - 1; i >= 0; i--) {
      const d = new Date(today);
      d.setDate(d.getDate() - i);
      const key = d.toISOString().slice(0, 10);
      const info = daily[key] || { cost_usd: 0, calls: 0 };
      days.push({ key, cost: Number(info.cost_usd) || 0, calls: Number(info.calls) || 0 });
    }
    const maxCost = Math.max.apply(null, days.map(d => d.cost).concat(0));
    const totalCost = days.reduce((s, d) => s + d.cost, 0);
    const totalCalls = days.reduce((s, d) => s + d.calls, 0);

    const W = 720, H = 220, PAD_L = 56, PAD_R = 12, PAD_T = 16, PAD_B = 28;
    const innerW = W - PAD_L - PAD_R;
    const innerH = H - PAD_T - PAD_B;
    const barGap = 2;
    const barW = Math.max(1, (innerW - barGap * (days.length - 1)) / days.length);

    const svgNS = 'http://www.w3.org/2000/svg';
    const svg = document.createElementNS(svgNS, 'svg');
    svg.setAttribute('viewBox', '0 0 ' + W + ' ' + H);
    svg.setAttribute('width', '100%');
    svg.setAttribute('preserveAspectRatio', 'none');
    svg.setAttribute('role', 'img');
    svg.setAttribute('aria-label', t('settings.dashboard.chart.aria', { days: daysBack }));
    svg.style.maxHeight = '260px';
    svg.style.background = 'var(--tb-bg)';
    svg.style.border = '1px solid var(--tb-border)';
    svg.style.borderRadius = 'var(--tb-radius-2)';

    // Y-axis gridlines + labels (4 lines)
    const niceMax = niceCeiling(maxCost) || 0.01;
    for (let i = 0; i <= 4; i++) {
      const y = PAD_T + innerH - (i / 4) * innerH;
      const line = document.createElementNS(svgNS, 'line');
      line.setAttribute('x1', PAD_L); line.setAttribute('x2', W - PAD_R);
      line.setAttribute('y1', y); line.setAttribute('y2', y);
      line.setAttribute('stroke', 'var(--tb-border)');
      line.setAttribute('stroke-dasharray', i === 0 ? '0' : '2 3');
      svg.appendChild(line);
      const lbl = document.createElementNS(svgNS, 'text');
      lbl.setAttribute('x', PAD_L - 6); lbl.setAttribute('y', y + 4);
      lbl.setAttribute('text-anchor', 'end');
      lbl.setAttribute('font-size', '11');
      lbl.setAttribute('fill', 'var(--tb-text-soft)');
      lbl.setAttribute('font-family', 'var(--tb-font-mono)');
      lbl.textContent = '$' + ((niceMax * i) / 4).toFixed(niceMax < 0.1 ? 4 : (niceMax < 1 ? 3 : 2));
      svg.appendChild(lbl);
    }

    // Bars
    days.forEach((d, idx) => {
      const x = PAD_L + idx * (barW + barGap);
      const h = niceMax > 0 ? (d.cost / niceMax) * innerH : 0;
      const y = PAD_T + innerH - h;
      const rect = document.createElementNS(svgNS, 'rect');
      rect.setAttribute('x', x); rect.setAttribute('y', y);
      rect.setAttribute('width', barW); rect.setAttribute('height', Math.max(0, h));
      rect.setAttribute('fill', d.cost > 0 ? 'var(--tb-success)' : 'var(--tb-border)');
      rect.setAttribute('rx', '1');
      const tip = document.createElementNS(svgNS, 'title');
      tip.textContent = d.key + ' · $' + d.cost.toFixed(4) + ' · ' + d.calls + ' call' + (d.calls === 1 ? '' : 's');
      rect.appendChild(tip);
      svg.appendChild(rect);
    });

    // X-axis labels (every ~7 days)
    const stride = Math.max(1, Math.floor(days.length / 5));
    days.forEach((d, idx) => {
      if (idx % stride !== 0 && idx !== days.length - 1) return;
      const x = PAD_L + idx * (barW + barGap) + barW / 2;
      const lbl = document.createElementNS(svgNS, 'text');
      lbl.setAttribute('x', x); lbl.setAttribute('y', H - 8);
      lbl.setAttribute('text-anchor', 'middle');
      lbl.setAttribute('font-size', '10');
      lbl.setAttribute('fill', 'var(--tb-text-soft)');
      lbl.textContent = d.key.slice(5); // MM-DD
      svg.appendChild(lbl);
    });

    const wrap = el('div', null);
    wrap.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', marginBottom: 'var(--tb-sp-2)', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
    },
      el('div', { class: 'tb-card-meta' },
        t('settings.dashboard.chart.window', { n: daysBack }),
      ),
      el('div', { class: 'tb-card-meta' },
        t('settings.dashboard.chart.totals', {
          cost: '$' + totalCost.toFixed(4),
          calls: totalCalls,
        }),
      ),
    ));
    wrap.appendChild(svg);
    return wrap;
  }

  function niceCeiling(v) {
    if (!isFinite(v) || v <= 0) return 0.01;
    const exp = Math.floor(Math.log10(v));
    const base = Math.pow(10, exp);
    const fr = v / base;
    let nice;
    if (fr <= 1) nice = 1;
    else if (fr <= 2) nice = 2;
    else if (fr <= 5) nice = 5;
    else nice = 10;
    return nice * base;
  }

  // ----- Per-feature breakdown table (lifetime + last-30d sparkline) ----

  function buildFeatureBreakdown(usage, daily) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const ids = (TB.ai && TB.ai.FEATURE_IDS) || ['chat'];
    const allTimeByFeature = (usage.all_time && usage.all_time.by_feature) || {};

    // Build last-30-day series per feature for the sparkline
    const today = new Date();
    const last30Keys = [];
    for (let i = 29; i >= 0; i--) {
      const d = new Date(today);
      d.setDate(d.getDate() - i);
      last30Keys.push(d.toISOString().slice(0, 10));
    }

    const rows = ids.map((fid) => {
      const total = allTimeByFeature[fid] || { input_tokens: 0, output_tokens: 0, cost_usd: 0, calls: 0 };
      const series = last30Keys.map(k => {
        const day = daily[k];
        const f = day && day.by_feature && day.by_feature[fid];
        return f ? (Number(f.cost_usd) || 0) : 0;
      });
      return { fid, total, series, last30Cost: series.reduce((s, v) => s + v, 0) };
    }).filter(r => r.total.calls > 0 || r.last30Cost > 0);

    if (rows.length === 0) {
      return el('div', { class: 'tb-card-meta' }, t('settings.dashboard.byFeature.empty'));
    }

    rows.sort((a, b) => (b.total.cost_usd || 0) - (a.total.cost_usd || 0));
    const grandCost = rows.reduce((s, r) => s + (r.total.cost_usd || 0), 0) || 1;

    const table = el('table', {
      style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-14)' },
    });
    table.appendChild(el('thead', null,
      el('tr', null,
        th(t('settings.dashboard.col.feature')),
        th(t('settings.dashboard.col.calls'), 'right'),
        th(t('settings.dashboard.col.tokens'), 'right'),
        th(t('settings.dashboard.col.last30'), 'right'),
        th(t('settings.dashboard.col.lifetime'), 'right'),
        th(t('settings.dashboard.col.share'), 'right'),
        th(t('settings.dashboard.col.trend'), 'left'),
      ),
    ));
    const tbody = el('tbody');
    for (const r of rows) {
      const share = (r.total.cost_usd || 0) / grandCost;
      tbody.appendChild(el('tr', null,
        td(featureLabel(r.fid)),
        td(formatNum(r.total.calls), 'right'),
        td(formatTokens((r.total.input_tokens || 0) + (r.total.output_tokens || 0)), 'right'),
        td('$' + r.last30Cost.toFixed(4), 'right'),
        td('$' + (r.total.cost_usd || 0).toFixed(4), 'right'),
        td(shareCell(share), 'right'),
        td(sparkline(r.series), 'left'),
      ));
    }
    table.appendChild(tbody);
    return table;
  }

  function featureLabel(fid) {
    const t = TB.i18n.t;
    const key = 'settings.dashboard.feature.' + fid;
    const v = t(key);
    return v === key ? fid : v;
  }

  function shareCell(share) {
    const el = TB.utils.el;
    const pct = (share * 100).toFixed(1) + '%';
    return el('div', {
      style: {
        display: 'inline-flex', alignItems: 'center', gap: '6px',
        fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)',
      },
    },
      el('div', {
        style: {
          width: '60px', height: '6px', background: 'var(--tb-border)',
          borderRadius: '3px', overflow: 'hidden',
        },
      },
        el('div', {
          style: {
            width: (share * 100).toFixed(1) + '%', height: '100%',
            background: 'var(--tb-success)',
          },
        }),
      ),
      el('span', null, pct),
    );
  }

  function sparkline(series) {
    const W = 120, H = 28;
    const max = Math.max.apply(null, series.concat(0));
    const svgNS = 'http://www.w3.org/2000/svg';
    const svg = document.createElementNS(svgNS, 'svg');
    svg.setAttribute('viewBox', '0 0 ' + W + ' ' + H);
    svg.setAttribute('width', W);
    svg.setAttribute('height', H);
    svg.setAttribute('preserveAspectRatio', 'none');
    if (series.length === 0 || max === 0) {
      const line = document.createElementNS(svgNS, 'line');
      line.setAttribute('x1', 0); line.setAttribute('x2', W);
      line.setAttribute('y1', H - 1); line.setAttribute('y2', H - 1);
      line.setAttribute('stroke', 'var(--tb-border)');
      svg.appendChild(line);
      return svg;
    }
    const stepX = W / (series.length - 1 || 1);
    const points = series.map((v, i) => {
      const x = i * stepX;
      const y = H - 2 - (v / max) * (H - 4);
      return x.toFixed(1) + ',' + y.toFixed(1);
    }).join(' ');
    const poly = document.createElementNS(svgNS, 'polyline');
    poly.setAttribute('points', points);
    poly.setAttribute('fill', 'none');
    poly.setAttribute('stroke', 'var(--tb-success)');
    poly.setAttribute('stroke-width', '1.5');
    poly.setAttribute('stroke-linejoin', 'round');
    svg.appendChild(poly);
    return svg;
  }

  // ----- Per-model breakdown table -------------------------------

  function buildModelBreakdown(usage) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const allTimeByModel = (usage.all_time && usage.all_time.by_model) || {};
    const ids = Object.keys(allTimeByModel);
    if (ids.length === 0) {
      return el('div', { class: 'tb-card-meta' }, t('settings.dashboard.byModel.empty'));
    }
    const rows = ids.map(mid => ({
      mid,
      total: allTimeByModel[mid],
      info: TB.ai.findModel ? TB.ai.findModel(mid) : null,
    }));
    rows.sort((a, b) => (b.total.cost_usd || 0) - (a.total.cost_usd || 0));
    const grand = rows.reduce((s, r) => s + (r.total.cost_usd || 0), 0) || 1;

    const table = el('table', {
      style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-14)' },
    });
    table.appendChild(el('thead', null,
      el('tr', null,
        th(t('settings.dashboard.col.model')),
        th(t('settings.dashboard.col.pricing'), 'right'),
        th(t('settings.dashboard.col.calls'), 'right'),
        th(t('settings.dashboard.col.inTokens'), 'right'),
        th(t('settings.dashboard.col.outTokens'), 'right'),
        th(t('settings.dashboard.col.lifetime'), 'right'),
        th(t('settings.dashboard.col.share'), 'right'),
      ),
    ));
    const tbody = el('tbody');
    for (const r of rows) {
      const label = r.info
        ? (TB.i18n.getLang() === 'ja' && r.info.label_jp ? r.info.label_jp : r.info.label_en)
        : r.mid;
      const priceLbl = r.info && TB.ai.modelPriceLabel ? TB.ai.modelPriceLabel(r.info) : '—';
      const share = (r.total.cost_usd || 0) / grand;
      tbody.appendChild(el('tr', null,
        td(el('div', null,
          el('div', { style: { fontWeight: 500 } }, label),
          el('div', { class: 'tb-card-meta', style: { fontFamily: 'var(--tb-font-mono)', fontSize: '11px' } }, r.mid),
        )),
        td(el('span', { style: { fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)' } }, priceLbl), 'right'),
        td(formatNum(r.total.calls), 'right'),
        td(formatTokens(r.total.input_tokens || 0), 'right'),
        td(formatTokens(r.total.output_tokens || 0), 'right'),
        td('$' + (r.total.cost_usd || 0).toFixed(4), 'right'),
        td(shareCell(share), 'right'),
      ));
    }
    table.appendChild(tbody);
    return table;
  }

  // ----- Monthly aggregates table --------------------------------

  function buildMonthlyAggregates(daily) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const months = {};
    for (const [day, info] of Object.entries(daily)) {
      const m = day.slice(0, 7);
      if (!months[m]) months[m] = { cost: 0, calls: 0, inT: 0, outT: 0 };
      months[m].cost += Number(info.cost_usd) || 0;
      months[m].calls += Number(info.calls) || 0;
      months[m].inT += Number(info.input_tokens) || 0;
      months[m].outT += Number(info.output_tokens) || 0;
    }
    const keys = Object.keys(months).sort().reverse();
    if (keys.length === 0) {
      return el('div', { class: 'tb-card-meta' }, t('settings.dashboard.monthly.empty'));
    }

    const maxCost = Math.max.apply(null, keys.map(k => months[k].cost));
    const table = el('table', {
      style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-14)' },
    });
    table.appendChild(el('thead', null,
      el('tr', null,
        th(t('settings.dashboard.col.month')),
        th(t('settings.dashboard.col.calls'), 'right'),
        th(t('settings.dashboard.col.inTokens'), 'right'),
        th(t('settings.dashboard.col.outTokens'), 'right'),
        th(t('settings.dashboard.col.cost'), 'right'),
        th('', 'left'),
      ),
    ));
    const tbody = el('tbody');
    for (const k of keys.slice(0, 12)) {
      const m = months[k];
      const frac = maxCost > 0 ? m.cost / maxCost : 0;
      tbody.appendChild(el('tr', null,
        td(el('strong', null, k)),
        td(formatNum(m.calls), 'right'),
        td(formatTokens(m.inT), 'right'),
        td(formatTokens(m.outT), 'right'),
        td('$' + m.cost.toFixed(4), 'right'),
        td(el('div', {
          style: {
            width: '120px', height: '8px', background: 'var(--tb-border)',
            borderRadius: '4px', overflow: 'hidden',
          },
        },
          el('div', {
            style: {
              width: (frac * 100).toFixed(1) + '%', height: '100%',
              background: 'var(--tb-success)',
            },
          }),
        ), 'left'),
      ));
    }
    table.appendChild(tbody);
    return table;
  }

  // ----- CSV export row ------------------------------------------

  function buildExportRow(daily) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    return el('div', { style: { display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-3)', flexWrap: 'wrap' } },
      el('button', {
        class: 'tb-btn',
        onclick: () => {
          const csv = buildUsageCsv(daily, /*byFeature*/ false);
          TB.utils.downloadFile('taigan-bridge-ai-usage-' + TB.utils.isoDate(new Date()) + '.csv', csv, 'text/csv');
        },
      }, '⤓ ' + t('settings.dashboard.export.csv')),
      el('button', {
        class: 'tb-btn tb-btn--secondary',
        onclick: () => {
          const csv = buildUsageCsv(daily, /*byFeature*/ true);
          TB.utils.downloadFile('taigan-bridge-ai-usage-by-feature-' + TB.utils.isoDate(new Date()) + '.csv', csv, 'text/csv');
        },
      }, '⤓ ' + t('settings.dashboard.export.csvByFeature')),
      el('span', { class: 'tb-card-meta' }, t('settings.dashboard.export.help')),
    );
  }

  function csvEscape(v) {
    if (v == null) return '';
    const s = String(v);
    if (/[",\n\r]/.test(s)) return '"' + s.replace(/"/g, '""') + '"';
    return s;
  }

  function buildUsageCsv(daily, byFeature) {
    const rows = [];
    const days = Object.keys(daily).sort();
    if (byFeature) {
      rows.push(['date', 'feature', 'calls', 'input_tokens', 'output_tokens', 'cost_usd'].join(','));
      for (const d of days) {
        const info = daily[d] || {};
        const bf = info.by_feature || {};
        const fids = Object.keys(bf);
        if (fids.length === 0) {
          rows.push([d, 'unattributed', info.calls || 0, info.input_tokens || 0, info.output_tokens || 0,
            (Number(info.cost_usd) || 0).toFixed(6)].map(csvEscape).join(','));
          continue;
        }
        for (const fid of fids) {
          const f = bf[fid];
          rows.push([d, fid, f.calls || 0, f.input_tokens || 0, f.output_tokens || 0,
            (Number(f.cost_usd) || 0).toFixed(6)].map(csvEscape).join(','));
        }
      }
    } else {
      rows.push(['date', 'calls', 'input_tokens', 'output_tokens', 'cost_usd'].join(','));
      for (const d of days) {
        const info = daily[d] || {};
        rows.push([d, info.calls || 0, info.input_tokens || 0, info.output_tokens || 0,
          (Number(info.cost_usd) || 0).toFixed(6)].map(csvEscape).join(','));
      }
    }
    return rows.join('\n') + '\n';
  }

  // ====================================================================
  // AI CONSENT (posture + per-feature overrides)
  // ====================================================================
  //
  // Surfaces the current consent posture from settings.ai_consent and
  // lets users:
  //   • Change posture (full / per_call / vision_only / off)
  //   • Set per-feature overrides (allow / inherit / deny) for the
  //     9 features defined by TB.ai.FEATURE_IDS
  //   • See which features are vision (allowed under vision_only) vs
  //     chat (blocked under vision_only)
  //
  // The posture picker mirrors the onboarding question; the override
  // grid is the more powerful tool — lets a "vision_only" user
  // permanently allow asset_enrichment, for instance.

  function buildAiConsentCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const posture = (TB.ai && TB.ai.getConsentPosture) ? TB.ai.getConsentPosture() : 'full';
    const overrides = (TB.ai && TB.ai.getConsentOverrides) ? TB.ai.getConsentOverrides() : {};
    const featureIds = (TB.ai && TB.ai.FEATURE_IDS) || [];
    const visionFeatures = (TB.ai && TB.ai.VISION_FEATURES) || [];

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(sectionHeading('🔒', t('settings.consent.title')));

    // Effect summary banner — colored to match the posture severity.
    const postureColor = {
      full:        'var(--tb-success)',
      per_call:    'var(--tb-track-tax)',
      vision_only: 'var(--tb-warn)',
      off:         'var(--tb-error)',
    }[posture] || 'var(--tb-success)';
    card.appendChild(el('div', {
      style: {
        padding: 'var(--tb-sp-3)',
        borderLeft: '4px solid ' + postureColor,
        background: 'var(--tb-bg)',
        borderRadius: 'var(--tb-radius-2)',
        marginBottom: 'var(--tb-sp-3)',
      },
    },
      el('div', { style: { fontWeight: '600', marginBottom: '4px' } },
        t('settings.consent.banner.' + posture + '.title')),
      el('div', { class: 'tb-card-meta' },
        t('settings.consent.banner.' + posture + '.body')),
    ));

    // Posture picker — radio group
    card.appendChild(subHeading(t('settings.consent.posture.title')));
    const radioGroup = el('div', { class: 'tb-radio-group', style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)' } });
    ['full', 'per_call', 'vision_only', 'off'].forEach((p) => {
      const isSelected = posture === p;
      radioGroup.appendChild(el('label', {
        class: 'tb-radio' + (isSelected ? ' is-selected' : ''),
        style: { padding: 'var(--tb-sp-2) var(--tb-sp-3)' },
      },
        el('input', {
          type: 'radio',
          name: 'tb-consent-posture',
          value: p,
          checked: isSelected,
          onchange: () => {
            if (TB.ai && TB.ai.setConsentPosture) TB.ai.setConsentPosture(p);
            rerender();
          },
        }),
        el('div', null,
          el('div', { style: { fontWeight: '500' } }, t('settings.consent.opt.' + p + '.title')),
          el('small', null, t('settings.consent.opt.' + p + '.help')),
        ),
      ));
    });
    card.appendChild(radioGroup);

    // Per-feature override grid
    card.appendChild(divider());
    card.appendChild(subHeading(t('settings.consent.overrides.title')));
    card.appendChild(el('p', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-3)' } },
      t('settings.consent.overrides.intro')));

    const grid = el('table', { style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-14)' } });
    const thead = el('thead', null,
      el('tr', null,
        th(t('settings.consent.col.feature')),
        th(t('settings.consent.col.type'), 'left'),
        th(t('settings.consent.col.override'), 'right'),
      ),
    );
    grid.appendChild(thead);
    const tbody = el('tbody');
    // Skip 'other' and 'health_check' (not meaningful to override).
    featureIds.filter(f => f !== 'other' && f !== 'health_check').forEach((fid) => {
      const isVision = visionFeatures.indexOf(fid) !== -1;
      const ov = overrides[fid] || null;
      const select = el('select', {
        class: 'tb-select',
        style: { maxWidth: '160px' },
        onchange: (e) => {
          const v = e.target.value || null;
          if (TB.ai && TB.ai.setConsentOverride) TB.ai.setConsentOverride(fid, v);
          rerender();
        },
      },
        el('option', { value: '', selected: ov == null }, t('settings.consent.override.inherit')),
        el('option', { value: 'allow', selected: ov === 'allow' }, t('settings.consent.override.allow')),
        el('option', { value: 'deny',  selected: ov === 'deny' }, t('settings.consent.override.deny')),
      );
      tbody.appendChild(el('tr', null,
        td(t('settings.dashboard.feature.' + fid)),
        td(el('span', {
          style: {
            fontSize: '10px', padding: '1px 6px',
            borderRadius: 'var(--tb-radius-pill)',
            background: isVision ? 'rgba(46, 107, 92, 0.12)' : 'rgba(74, 107, 138, 0.12)',
            color: isVision ? 'var(--tb-track-ai)' : 'var(--tb-track-tax)',
            textTransform: 'uppercase', letterSpacing: '0.04em', fontWeight: '600',
          },
        }, isVision ? t('settings.consent.type.vision') : t('settings.consent.type.chat')), 'left'),
        td(select, 'right'),
      ));
    });
    grid.appendChild(tbody);
    card.appendChild(grid);

    return card;
  }

  // ====================================================================
  // ACCESSIBILITY (font scaling + high contrast + reduced motion)
  // ====================================================================

  function buildAccessibilityCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const a11y = TB.state.get('settings.a11y') || {};
    const fontScale = Number(a11y.fontScale) || 1;
    const highContrast = !!a11y.highContrast;
    const reducedMotion = !!a11y.reducedMotion;

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(sectionHeading('♿', t('settings.a11y.title')));
    card.appendChild(el('p', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-3)' } },
      t('settings.a11y.help'),
    ));

    // Font size scaler
    const FONT_STEPS = [
      { v: 0.875, label: 'A' },
      { v: 1.000, label: 'A' },
      { v: 1.125, label: 'A' },
      { v: 1.250, label: 'A' },
      { v: 1.375, label: 'A' },
    ];
    const fontRow = el('div', { style: { display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-3)', flexWrap: 'wrap', marginBottom: 'var(--tb-sp-3)' } });
    fontRow.appendChild(el('label', { class: 'tb-field-label', style: { margin: 0 } }, t('settings.a11y.fontScale')));
    const fontGroup = el('div', { class: 'tb-radio-group', style: { display: 'flex', gap: 'var(--tb-sp-1)' } });
    for (const step of FONT_STEPS) {
      const selected = Math.abs(fontScale - step.v) < 0.01;
      fontGroup.appendChild(el('label', {
        class: 'tb-radio' + (selected ? ' is-selected' : ''),
        style: { padding: '4px 10px', fontSize: (16 * step.v) + 'px', lineHeight: 1, cursor: 'pointer' },
        onclick: () => {
          setA11y({ fontScale: step.v });
          rerender();
        },
      }, step.label));
    }
    fontRow.appendChild(fontGroup);
    fontRow.appendChild(el('span', { class: 'tb-card-meta' }, Math.round(fontScale * 100) + '%'));
    card.appendChild(fontRow);

    // High contrast toggle
    card.appendChild(toggleRow(
      t('settings.a11y.highContrast'),
      t('settings.a11y.highContrastHelp'),
      highContrast,
      (next) => { setA11y({ highContrast: next }); rerender(); },
    ));

    // Reduced motion toggle
    card.appendChild(toggleRow(
      t('settings.a11y.reducedMotion'),
      t('settings.a11y.reducedMotionHelp'),
      reducedMotion,
      (next) => { setA11y({ reducedMotion: next }); rerender(); },
    ));

    return card;
  }

  function toggleRow(title, help, checked, onChange) {
    const el = TB.utils.el;
    return el('div', {
      style: {
        display: 'flex', alignItems: 'center', justifyContent: 'space-between',
        gap: 'var(--tb-sp-3)', padding: 'var(--tb-sp-2) 0',
        borderTop: '1px dashed var(--tb-border)',
      },
    },
      el('div', { style: { flex: '1 1 auto' } },
        el('div', { style: { fontWeight: 500 } }, title),
        el('div', { class: 'tb-card-meta' }, help),
      ),
      el('label', {
        class: 'tb-toggle',
        style: { position: 'relative', display: 'inline-block', width: '44px', height: '24px' },
      },
        el('input', {
          type: 'checkbox', checked,
          style: { opacity: 0, width: 0, height: 0 },
          onchange: (e) => onChange(e.target.checked),
        }),
        el('span', {
          style: {
            position: 'absolute', cursor: 'pointer', top: 0, left: 0, right: 0, bottom: 0,
            background: checked ? 'var(--tb-success)' : 'var(--tb-border)',
            transition: '.2s', borderRadius: '24px',
          },
        }),
        el('span', {
          style: {
            position: 'absolute', height: '18px', width: '18px',
            left: checked ? '23px' : '3px', bottom: '3px',
            background: '#fff', transition: '.2s', borderRadius: '50%',
            pointerEvents: 'none',
          },
        }),
      ),
    );
  }

  function setA11y(patch) {
    const cur = TB.state.get('settings.a11y') || {};
    const next = Object.assign({}, cur, patch);
    TB.state.set('settings.a11y', next);
    applyA11y(next);
  }

  function applyA11y(a11y) {
    const root = document.documentElement;
    const scale = Number(a11y && a11y.fontScale) || 1;
    root.style.setProperty('--tb-fs-scale', String(scale));
    root.style.fontSize = (16 * scale) + 'px';
    if (a11y && a11y.highContrast) {
      root.setAttribute('data-tb-contrast', 'high');
    } else {
      root.removeAttribute('data-tb-contrast');
    }
    if (a11y && a11y.reducedMotion) {
      root.setAttribute('data-tb-motion', 'reduced');
    } else {
      root.removeAttribute('data-tb-motion');
    }
  }

  // Apply on first load (settings.js runs after state is hydrated).
  try { applyA11y(TB.state.get('settings.a11y') || {}); } catch (_) {}

  function sectionHeading(icon, text) {
    const el = TB.utils.el;
    return el('div', {
      style: {
        display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)',
        background: 'rgba(14, 42, 79, 0.06)',
        margin: 'calc(-1 * var(--tb-sp-5)) calc(-1 * var(--tb-sp-5)) var(--tb-sp-4)',
        padding: 'var(--tb-sp-3) var(--tb-sp-5)',
        borderTopLeftRadius: 'var(--tb-radius-3)',
        borderTopRightRadius: 'var(--tb-radius-3)',
        fontWeight: 600, fontSize: 'var(--tb-fs-14)',
        textTransform: 'uppercase', letterSpacing: '0.06em',
        color: 'var(--tb-text)',
      },
    }, icon + ' ' + text);
  }

  function subHeading(text, opts) {
    const el = TB.utils.el;
    const right = opts && opts.right ? opts.right : null;
    return el('div', {
      style: {
        display: 'flex', justifyContent: 'space-between', alignItems: 'baseline',
        marginTop: 'var(--tb-sp-4)', marginBottom: 'var(--tb-sp-2)',
        fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)',
        textTransform: 'uppercase', letterSpacing: '0.08em',
        fontWeight: 600,
      },
    }, el('span', null, text), right);
  }

  function divider() {
    const el = TB.utils.el;
    return el('hr', {
      style: {
        border: 0, borderTop: '1px dashed var(--tb-border)',
        margin: 'var(--tb-sp-4) 0',
      },
    });
  }

  // ----- API key block -------------------------------------------

  // Hosted-demo variant of the API-key block: greyed-out and
  // non-interactive. Visitors shouldn't paste a real Anthropic key into a
  // copy of the app they don't own, so the field + Save button are
  // disabled, and AI calls are blocked at the client level too (see
  // ai-client.js). Download and run locally to use AI features.
  function buildApiKeyDemoLocked() {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    const input = el('input', {
      type: 'password', class: 'tb-input',
      placeholder: 'sk-ant-api03-…',
      disabled: true,
      style: { flex: '1 1 auto', opacity: '0.5', cursor: 'not-allowed',
               background: 'var(--tb-bg-muted, #ECE8DF)' },
    });
    const saveBtn = el('button', {
      class: 'tb-btn', disabled: true,
      style: { opacity: '0.5', cursor: 'not-allowed',
               background: 'var(--tb-accent)', borderColor: 'var(--tb-accent)' },
    }, t('settings.api.save'));

    return el('div', null,
      el('p', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-3)' } },
        t('settings.api.intro.before'),
        t('settings.api.intro.linkLabel'),
        ' ' + t('settings.api.intro.after')),
      el('div', {
        style: { display: 'flex', gap: 'var(--tb-sp-2)',
                 marginBottom: 'var(--tb-sp-2)', flexWrap: 'wrap' },
      }, input, saveBtn),
      el('div', {
        class: 'tb-card-meta',
        style: {
          display: 'flex', flexWrap: 'wrap', alignItems: 'center',
          gap: 'var(--tb-sp-2)', marginTop: 'var(--tb-sp-2)',
          padding: 'var(--tb-sp-3)',
          background: 'rgba(183, 71, 41, 0.08)',
          border: '1px solid rgba(183, 71, 41, 0.30)',
          borderRadius: 'var(--tb-radius, 8px)',
        },
      },
        el('span', null, '🔒 ' + t('settings.api.demo.locked')),
        el('a', {
          href: RELEASES_URL, target: '_blank', rel: 'noopener noreferrer',
          class: 'tb-btn tb-btn--secondary',
          style: { textDecoration: 'none', whiteSpace: 'nowrap' },
        }, '⬇ ' + t('hostedDemo.banner.cta')),
      ),
    );
  }

  function buildApiKeyBlock() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    if (isDemo()) return buildApiKeyDemoLocked();
    const current = TB.state.get('settings.apiKey') || '';
    const isSet = TB.ai.hasKey();
    const masked = current ? current.slice(0, 12) + '…' + current.slice(-4) : '';

    const input = el('input', {
      type: 'password',
      class: 'tb-input',
      placeholder: 'sk-ant-api03-…',
      value: current,
      autocomplete: 'off',
      spellcheck: 'false',
      style: { flex: '1 1 auto' },
    });

    const intro = el('p', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-3)' } },
      t('settings.api.intro.before'),
      el('a', {
        href: 'https://console.anthropic.com/settings/keys',
        target: '_blank',
        rel: 'noopener',
        style: { color: 'var(--tb-navy)' },
      }, t('settings.api.intro.linkLabel')),
      ' ' + t('settings.api.intro.after'),
    );

    const healthStatus = el('div', {
      class: 'tb-card-meta',
      style: { marginTop: 'var(--tb-sp-2)', minHeight: '1.4em' },
    });
    const lastHealth = TB.state.get('settings.api.lastHealthCheck') || null;
    if (lastHealth) {
      renderHealth(healthStatus, lastHealth);
    }

    const healthBtn = el('button', {
      class: 'tb-btn tb-btn--secondary',
      title: t('settings.api.health.title'),
      style: { fontSize: 'var(--tb-fs-12)' },
      onclick: async () => {
        if (!TB.ai.hasKey()) {
          healthStatus.textContent = '⚠ ' + t('settings.api.health.noKey');
          healthStatus.style.color = 'var(--tb-warn)';
          return;
        }
        healthBtn.disabled = true;
        const old = healthBtn.textContent;
        healthBtn.textContent = '⏳ ' + t('settings.api.health.testing');
        healthStatus.textContent = '';
        try {
          const result = await TB.ai.pingApiKey();
          const stamped = Object.assign({}, result, { at: new Date().toISOString() });
          TB.state.set('settings.api.lastHealthCheck', stamped);
          renderHealth(healthStatus, stamped);
        } catch (err) {
          renderHealth(healthStatus, {
            ok: false, error: 'unexpected',
            message: (err && err.message) || String(err),
            at: new Date().toISOString(),
          });
        } finally {
          healthBtn.disabled = false;
          healthBtn.textContent = old;
        }
      },
    }, '🩺 ' + t('settings.api.health.test'));

    // Rotation reminder — Anthropic recommends rotating keys periodically.
    const keySetAt = TB.state.get('settings.api.keySetAt');
    let rotationNote = null;
    if (isSet && keySetAt) {
      const ageMs = Date.now() - new Date(keySetAt).getTime();
      const ageDays = Math.floor(ageMs / (24 * 3600 * 1000));
      if (ageDays >= 180) {
        rotationNote = el('div', {
          class: 'tb-card-meta',
          style: { color: 'var(--tb-warn)', marginTop: 'var(--tb-sp-2)' },
        }, '🔄 ' + t('settings.api.rotation.due', { days: ageDays }));
      }
    }

    return el('div', null,
      intro,
      el('div', {
        style: { display: 'flex', gap: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-2)', flexWrap: 'wrap' },
      },
        input,
        el('button', {
          class: 'tb-btn',
          style: { background: 'var(--tb-accent)', borderColor: 'var(--tb-accent)' },
          onclick: () => {
            const newKey = input.value.trim();
            const oldKey = TB.state.get('settings.apiKey') || '';
            TB.state.set('settings.apiKey', newKey);
            // Track when the key was set so the rotation prompt can fire.
            if (newKey && newKey !== oldKey) {
              TB.state.set('settings.api.keySetAt', new Date().toISOString());
              TB.state.set('settings.api.lastHealthCheck', null);
            }
            rerender();
          },
        }, t('settings.api.save')),
        el('button', {
          class: 'tb-btn tb-btn--secondary',
          title: t('settings.api.clear'),
          onclick: () => {
            if (!confirm(t('settings.api.clear.confirm'))) return;
            TB.state.set('settings.apiKey', '');
            TB.state.set('settings.api.keySetAt', null);
            TB.state.set('settings.api.lastHealthCheck', null);
            rerender();
          },
        }, '🗝️'),
        healthBtn,
      ),
      el('div', { class: 'tb-card-meta' },
        isSet
          ? '🔑 ' + t('settings.api.status.set', { masked })
          : '⚠ ' + t('settings.api.status.unset'),
      ),
      healthStatus,
      rotationNote,
    );
  }

  function renderHealth(node, result) {
    node.innerHTML = '';
    const t = TB.i18n.t;
    const el = TB.utils.el;
    const stamp = result.at ? ' · ' + String(result.at).replace('T', ' ').slice(0, 19) : '';
    if (result.ok) {
      node.style.color = 'var(--tb-success)';
      node.appendChild(el('span', null,
        '✓ ' + t('settings.api.health.ok', {
          model: result.model || '?',
          ms: result.elapsed_ms != null ? result.elapsed_ms : '?',
        }) + stamp,
      ));
    } else {
      node.style.color = 'var(--tb-error)';
      const msgKey = 'settings.api.health.err.' + (result.error || 'unknown');
      let msg = t(msgKey);
      if (msg === msgKey) msg = result.message || result.error || t('settings.api.health.err.unknown');
      node.appendChild(el('span', null, '✗ ' + msg + stamp));
    }
  }

  // ----- Model selector block ------------------------------------

  function buildModelBlock() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = TB.i18n.getLang();
    const current = TB.ai.getModel();
    const currentInfo = TB.ai.getModelInfo();

    const select = el('select', {
      class: 'tb-select',
      style: { flex: '1 1 auto' },
      onchange: (e) => {
        TB.state.set('settings.model', e.target.value);
        rerender();
      },
    });
    for (const m of TB.ai.MODEL_CATALOG) {
      const label = (lang === 'ja' && m.label_jp) ? m.label_jp : m.label_en;
      select.appendChild(el('option', {
        value: m.id, selected: m.id === current,
      }, label));
    }

    return el('div', { style: { display: 'flex', gap: 'var(--tb-sp-3)', alignItems: 'center', marginTop: 'var(--tb-sp-3)' } },
      el('label', { class: 'tb-field-label', style: { margin: 0, whiteSpace: 'nowrap' } },
        '🤖 ' + t('settings.ai.model.label'),
      ),
      select,
      el('span', {
        class: 'tb-card-meta',
        style: { whiteSpace: 'nowrap', fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)' },
      }, currentInfo ? TB.ai.modelPriceLabel(currentInfo) : ''),
    );
  }

  // ----- Token usage monitoring block ----------------------------

  function buildUsageBlock() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const today = TB.ai.todayUsage();
    const all = (TB.state.get('settings.usage') || {}).all_time
      || { input_tokens: 0, output_tokens: 0, cost_usd: 0 };

    function statCard(value, label, color) {
      return el('div', {
        style: {
          flex: '1 1 0', textAlign: 'center',
          padding: 'var(--tb-sp-4)',
          background: 'var(--tb-bg)',
          border: '1px solid var(--tb-border)',
          borderRadius: 'var(--tb-radius-2)',
        },
      },
        el('div', {
          style: {
            fontSize: 'var(--tb-fs-22)', fontWeight: 700,
            fontFamily: 'var(--tb-font-mono)',
            color: color || 'var(--tb-text)',
          },
        }, value),
        el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-1)' } }, label),
      );
    }

    const limitInput = el('input', {
      type: 'number', step: '0.5', min: '0',
      class: 'tb-input',
      style: { width: '160px', display: 'inline-block' },
      value: TB.ai.dailyLimitUsd() || 0,
      placeholder: '0 = no limit',
      oninput: (e) => {
        TB.ai.setDailyLimitUsd(parseFloat(e.target.value) || 0);
      },
    });

    return el('div', null,
      el('div', { style: { display: 'flex', gap: 'var(--tb-sp-3)', flexWrap: 'wrap' } },
        statCard(formatNum(today.input_tokens), t('settings.ai.usage.inputToday'), 'var(--tb-accent)'),
        statCard(formatNum(today.output_tokens), t('settings.ai.usage.outputToday'), 'var(--tb-accent)'),
        statCard('$' + (today.cost_usd || 0).toFixed(4), t('settings.ai.usage.costToday'), 'var(--tb-success)'),
      ),
      el('div', {
        style: { display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-3)', marginTop: 'var(--tb-sp-3)', flexWrap: 'wrap' },
      },
        el('label', { class: 'tb-field-label', style: { margin: 0 } },
          t('settings.ai.usage.dailyLimit'),
        ),
        limitInput,
      ),
      el('div', {
        style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', marginTop: 'var(--tb-sp-3)', flexWrap: 'wrap', gap: 'var(--tb-sp-2)' },
      },
        el('div', { class: 'tb-card-meta' },
          t('settings.ai.usage.allTime', {
            cost: '$' + (all.cost_usd || 0).toFixed(2),
            tokens: formatTokens((all.input_tokens || 0) + (all.output_tokens || 0)),
          }),
        ),
        el('button', {
          class: 'tb-btn tb-btn--secondary',
          style: { fontSize: 'var(--tb-fs-12)' },
          onclick: () => {
            if (!confirm(t('settings.ai.usage.resetConfirm'))) return;
            TB.ai.resetTodayUsage();
            rerender();
          },
        }, '↺ ' + t('settings.ai.usage.resetToday')),
      ),
    );
  }

  // ----- Credit balance block ------------------------------------

  function buildCreditsBlock() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const c = TB.ai.getCredits();
    const bal = TB.ai.computeRemainingBalance();
    const purchased = bal.purchased;
    const remaining = bal.remaining;
    const fraction = purchased > 0 ? Math.min(1, (purchased - remaining) / purchased) : 0;

    const earliestTopup = (c.topups || [])
      .filter(t => TB.ai.isTopupActive(t))
      .map(t => t.date).sort()[0];

    const reconciledNote = c.last_reconciled_at
      ? '✓ ' + t('settings.ai.credits.reconciledOn', {
          date: String(c.last_reconciled_at).slice(0, 10),
        })
      : '';

    return el('div', { style: { display: 'flex', gap: 'var(--tb-sp-3)', alignItems: 'stretch', marginTop: 'var(--tb-sp-3)', flexWrap: 'wrap' } },
      // big balance card
      el('div', {
        style: {
          flex: '0 0 200px',
          background: 'var(--tb-ink)', color: '#fff',
          padding: 'var(--tb-sp-4)',
          borderRadius: 'var(--tb-radius-2)',
          textAlign: 'center',
        },
      },
        el('div', {
          style: { fontSize: 'var(--tb-fs-28)', fontWeight: 700, color: 'var(--tb-success)', fontFamily: 'var(--tb-font-mono)' },
        }, '$' + remaining.toFixed(2)),
        el('div', { style: { fontSize: 'var(--tb-fs-12)', color: '#aab', marginTop: 'var(--tb-sp-1)' } },
          t('settings.ai.credits.remaining'),
        ),
      ),
      // status + progress
      el('div', { style: { flex: '1 1 320px', display: 'flex', flexDirection: 'column', justifyContent: 'space-between' } },
        el('div', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-2)' } },
          t('settings.ai.credits.purchased', { amount: '$' + purchased.toFixed(2) }) + ' · ',
          t('settings.ai.credits.spent', {
            amount: '$' + (bal.anchored ? bal.spent_since_reconcile : bal.spent_total).toFixed(4),
            since: earliestTopup || '—',
          }),
          reconciledNote ? ' · ' + reconciledNote : '',
          ' · ',
          el('a', {
            href: '#',
            style: { color: 'var(--tb-navy)' },
            onclick: (e) => {
              e.preventDefault();
              const v = prompt(t('settings.ai.credits.reconcilePrompt'), remaining.toFixed(2));
              if (v == null) return;
              const n = parseFloat(v);
              if (!isFinite(n) || n < 0) { alert(t('settings.ai.credits.reconcileInvalid')); return; }
              TB.ai.reconcile(n);
              rerender();
            },
          }, '↻ ' + t('settings.ai.credits.reconcile')),
        ),
        el('div', {
          style: {
            height: '12px', background: 'var(--tb-border)',
            borderRadius: 'var(--tb-radius-pill)', overflow: 'hidden',
          },
        },
          el('div', {
            style: {
              width: (fraction * 100).toFixed(1) + '%',
              height: '100%',
              background: fraction > 0.85 ? 'var(--tb-error)' : (fraction > 0.6 ? 'var(--tb-warn)' : 'var(--tb-success)'),
              transition: 'width var(--tb-motion-base) var(--tb-ease)',
            },
          }),
        ),
      ),
    );
  }

  // ----- Top-up form block ---------------------------------------

  function buildTopupFormBlock() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const today = new Date().toISOString().slice(0, 10);

    const purchaseDateInput = el('input', { type: 'date', class: 'tb-input', value: today });
    const amountInput = el('input', { type: 'number', step: '0.01', min: '0', class: 'tb-input', placeholder: t('settings.ai.topup.amountPlaceholder') });
    const typeSelect = el('select', { class: 'tb-select' },
      el('option', { value: 'top_up' }, t('settings.ai.topup.type.topup')),
      el('option', { value: 'credit_grant' }, t('settings.ai.topup.type.grant')),
      el('option', { value: 'refund' }, t('settings.ai.topup.type.refund')),
    );
    const expirationInput = el('input', { type: 'date', class: 'tb-input' });

    return el('div', {
      style: {
        marginTop: 'var(--tb-sp-3)',
        background: 'var(--tb-bg)',
        border: '1px solid var(--tb-border)',
        borderRadius: 'var(--tb-radius-2)',
        padding: 'var(--tb-sp-3)',
      },
    },
      el('div', { style: { fontSize: 'var(--tb-fs-12)', fontWeight: 600, textTransform: 'uppercase', letterSpacing: '0.06em', color: 'var(--tb-text-soft)', marginBottom: 'var(--tb-sp-3)' } },
        t('settings.ai.topup.title'),
      ),
      el('div', {
        style: { display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(160px, 1fr)) auto', gap: 'var(--tb-sp-3)', alignItems: 'flex-end' },
      },
        field(t('settings.ai.topup.purchaseDate'), purchaseDateInput),
        field(t('settings.ai.topup.amount'), amountInput),
        field(t('settings.ai.topup.type'), typeSelect),
        field(t('settings.ai.topup.expiration'), expirationInput, t('settings.ai.topup.expirationHint')),
        el('button', {
          class: 'tb-btn',
          style: { whiteSpace: 'nowrap' },
          onclick: () => {
            const amount = parseFloat(amountInput.value);
            if (!isFinite(amount) || amount <= 0) {
              alert(t('settings.ai.topup.invalidAmount'));
              return;
            }
            TB.ai.addTopup({
              date: purchaseDateInput.value || today,
              amount_usd: amount,
              type: typeSelect.value,
              expires: expirationInput.value || null,
              notes: '',
            });
            rerender();
          },
        }, '+ ' + t('settings.ai.topup.add')),
      ),
      el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-2)' } },
        t('settings.ai.topup.help'),
      ),
    );
  }

  // ----- Top-up history table ------------------------------------

  function buildTopupHistoryBlock() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const c = TB.ai.getCredits();
    const topups = c.topups || [];

    const wrap = el('div', { style: { marginTop: 'var(--tb-sp-4)' } });
    wrap.appendChild(el('div', {
      style: { fontSize: 'var(--tb-fs-12)', fontWeight: 600, textTransform: 'uppercase', letterSpacing: '0.06em', color: 'var(--tb-text-soft)', marginBottom: 'var(--tb-sp-2)' },
    }, t('settings.ai.topup.historyTitle')));

    if (topups.length === 0) {
      wrap.appendChild(el('div', { class: 'tb-card-meta' }, t('settings.ai.topup.empty')));
      return wrap;
    }

    const table = el('table', {
      style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-14)' },
    });
    table.appendChild(el('thead', null,
      el('tr', null,
        th(t('settings.ai.topup.col.date')),
        th(t('settings.ai.topup.col.type')),
        th(t('settings.ai.topup.col.expires'), 'right'),
        th(t('settings.ai.topup.col.amount'), 'right'),
        th(''),
      ),
    ));
    const tbody = el('tbody');
    for (const tu of topups) {
      const active = TB.ai.isTopupActive(tu);
      tbody.appendChild(el('tr', {
        style: active ? null : { opacity: '0.45' },
      },
        td(tu.date || '—'),
        td(typeLabel(tu.type, t)),
        td(tu.expires || '—', 'right'),
        td('$' + (Number(tu.amount_usd) || 0).toFixed(2), 'right'),
        td(el('button', {
          class: 'tb-btn tb-btn--ghost',
          style: { padding: '2px 8px' },
          onclick: () => {
            if (!confirm(t('settings.ai.topup.removeConfirm'))) return;
            TB.ai.removeTopup(tu.id);
            rerender();
          },
        }, '×'), 'right'),
      ));
    }
    table.appendChild(tbody);
    wrap.appendChild(table);
    return wrap;
  }

  function th(text, align) {
    const el = TB.utils.el;
    return el('th', {
      style: {
        borderBottom: '1px solid var(--tb-border)',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        textAlign: align || 'left',
        fontSize: 'var(--tb-fs-12)',
        textTransform: 'uppercase', letterSpacing: '0.04em',
        color: 'var(--tb-text-soft)', fontWeight: 600,
      },
    }, text);
  }

  function td(content, align) {
    const el = TB.utils.el;
    return el('td', {
      style: {
        borderBottom: '1px solid var(--tb-border)',
        padding: 'var(--tb-sp-2) var(--tb-sp-3)',
        textAlign: align || 'left',
        verticalAlign: 'middle',
      },
    }, content);
  }

  function typeLabel(type, t) {
    if (type === 'credit_grant') return t('settings.ai.topup.type.grant');
    if (type === 'refund') return t('settings.ai.topup.type.refund');
    return t('settings.ai.topup.type.topup');
  }

  function field(label, control, help) {
    const el = TB.utils.el;
    return el('label', { class: 'tb-field', style: { marginBottom: 0 } },
      el('span', { class: 'tb-field-label' }, label),
      control,
      help ? el('div', { class: 'tb-field-help' }, help) : null,
    );
  }

  function formatNum(n) {
    n = Number(n) || 0;
    return n.toLocaleString('en-US');
  }

  function formatTokens(n) {
    n = Number(n) || 0;
    if (n >= 1_000_000) return (n / 1_000_000).toFixed(1).replace(/\.0$/, '') + 'M';
    if (n >= 1_000) return Math.round(n / 1_000) + 'K';
    return String(n);
  }

  // ====================================================================
  // Existing sections (Language, Backup, Danger zone)
  // ====================================================================

  // ====================================================================
  // FX RATES (Treasury Reporting Rates of Exchange)
  // ====================================================================

  function buildFxRatesCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    if (!TB.fbar || typeof TB.fbar.refreshTreasuryRates !== 'function') {
      // FBAR module not loaded — skip the FX card silently.
      return el('div', { style: { display: 'none' } });
    }

    const fetchedAt = TB.state.get('settings.fx.treasury_fetched_at');
    const stateRates = TB.state.get('settings.fx.treasury_rates') || {};
    const errors = TB.state.get('settings.fx.treasury_fetch_errors') || [];
    const fetchedYears = Object.keys(stateRates).sort();
    const hardcodedYears = Object.keys(TB.fbar.TREASURY_FX || {}).sort();

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(sectionHeading('🌐', t('settings.fx.title')));
    card.appendChild(el('p', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-3)' } },
      t('settings.fx.help'),
    ));

    // Status block
    const status = el('div', {
      style: {
        padding: 'var(--tb-sp-3)',
        background: 'var(--tb-bg)',
        border: '1px solid var(--tb-border)',
        borderRadius: 'var(--tb-radius-2)',
        marginBottom: 'var(--tb-sp-3)',
      },
    },
      el('div', { class: 'tb-card-meta' },
        fetchedAt
          ? '✓ ' + t('settings.fx.lastFetched', { when: String(fetchedAt).replace('T', ' ').slice(0, 19) + ' UTC' })
          : '⚠ ' + t('settings.fx.neverFetched'),
      ),
      el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-2)' } },
        '🟢 ' + t('settings.fx.fetchedYears', { years: fetchedYears.length ? fetchedYears.join(', ') : t('settings.fx.none') }),
      ),
      el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-2)' } },
        '🟡 ' + t('settings.fx.hardcodedYears', { years: hardcodedYears.join(', ') }),
      ),
      errors.length
        ? el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-2)', color: 'var(--tb-error)' } },
            '✗ ' + t('settings.fx.fetchErrors', { count: errors.length }) + ': ' +
            errors.map(e => e.year).join(', '),
          )
        : null,
    );
    card.appendChild(status);

    // Refresh button
    const refreshBtn = el('button', {
      class: 'tb-btn',
      onclick: async () => {
        refreshBtn.disabled = true;
        refreshBtn.textContent = '⏳ ' + t('settings.fx.refreshing');
        try {
          const result = await TB.fbar.refreshTreasuryRates();
          const yearsFetched = Object.keys(result.fetched).length;
          alert(t('settings.fx.refreshSuccess', {
            years: yearsFetched,
            errors: result.errors.length,
          }));
          rerender();
        } catch (err) {
          alert(t('settings.fx.refreshFailed') + ': ' + (err && err.message || err));
          refreshBtn.disabled = false;
          refreshBtn.textContent = '↻ ' + t('settings.fx.refresh');
        }
      },
    }, '↻ ' + t('settings.fx.refresh'));

    const yearsHelp = el('div', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-2)' } },
      t('settings.fx.refreshScope', { years: TB.fbar.defaultRefreshYears().join(', ') }),
    );

    card.appendChild(el('div', { class: 'tb-btn-row' }, refreshBtn));
    card.appendChild(yearsHelp);

    // Per-year rates table (collapsed by default; click to expand)
    if (fetchedYears.length > 0) {
      card.appendChild(divider());
      card.appendChild(buildFxRatesTable(stateRates, fetchedYears));
    }

    return card;
  }

  function buildFxRatesTable(stateRates, fetchedYears) {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const currencies = (TB.fbar && TB.fbar.SUPPORTED_CURRENCIES) || ['JPY', 'EUR', 'GBP', 'CAD', 'AUD'];
    const nonUsd = currencies.filter(c => c !== 'USD');

    const details = el('details', { style: { marginTop: 'var(--tb-sp-2)' } });
    const summary = el('summary', { style: { cursor: 'pointer', color: 'var(--tb-text-soft)', fontSize: 'var(--tb-fs-12)', textTransform: 'uppercase', letterSpacing: '0.06em', fontWeight: 600, marginBottom: 'var(--tb-sp-2)' } },
      t('settings.fx.tableToggle'),
    );
    details.appendChild(summary);

    const wrap = el('div', { style: { overflowX: 'auto' } });
    const table = el('table', { style: { width: '100%', borderCollapse: 'collapse', fontSize: 'var(--tb-fs-12)', marginTop: 'var(--tb-sp-3)' } });
    const thead = el('thead', null,
      el('tr', null,
        el('th', { style: tableHeadStyle() }, t('settings.fx.col.year')),
        ...nonUsd.map(c => el('th', { style: tableHeadStyle('right') }, c)),
      ),
    );
    table.appendChild(thead);
    const tbody = el('tbody');
    for (const yr of fetchedYears) {
      const row = el('tr', null,
        el('td', { style: tableCellStyle() }, el('strong', null, yr)),
        ...nonUsd.map(c => {
          const rate = stateRates[yr] && stateRates[yr][c];
          return el('td', {
            style: tableCellStyle('right'),
          }, rate != null ? rate.toFixed(4) : '—');
        }),
      );
      tbody.appendChild(row);
    }
    table.appendChild(tbody);
    wrap.appendChild(table);
    details.appendChild(wrap);
    return details;
  }

  function tableHeadStyle(align) {
    return {
      borderBottom: '1px solid var(--tb-border)',
      padding: 'var(--tb-sp-2) var(--tb-sp-3)',
      textAlign: align || 'left',
      fontWeight: 600,
      color: 'var(--tb-text-soft)',
      fontSize: 'var(--tb-fs-12)',
      textTransform: 'uppercase',
      letterSpacing: '0.04em',
    };
  }

  function tableCellStyle(align) {
    return {
      borderBottom: '1px solid var(--tb-border)',
      padding: 'var(--tb-sp-2) var(--tb-sp-3)',
      textAlign: align || 'left',
      fontFamily: 'var(--tb-font-mono)',
    };
  }

  function buildLanguageCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const current = TB.i18n.getLang();
    return el('div', { class: 'tb-card', 'data-track': 'core' },
      el('h2', null, t('settings.lang.title')),
      el('div', { class: 'tb-radio-group' },
        ...['en', 'ja'].map((code) => {
          const id = 'tb-lang-' + code;
          const selected = current === code;
          return el('label', {
            class: 'tb-radio' + (selected ? ' is-selected' : ''),
            for: id,
          },
            el('input', {
              type: 'radio', id,
              name: 'tb-lang', value: code, checked: selected,
              onchange: () => {
                TB.i18n.setLang(code);
                rerender();
              },
            }),
            el('div', null, code === 'en' ? 'English' : '日本語'),
          );
        }),
      ),
    );
  }

  // Update-check preferences. Lets the user opt in/out of the daily
  // GitHub release check and trigger a one-shot manual check. See
  // src/scripts/update-check.js for the underlying logic. No-op
  // visually on the hosted demo (the demo is always the latest by
  // definition, so the card would just confuse).
  function buildUpdateCheckCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    // Hide entirely on the hosted preview.
    if (window.TB && TB.hostedDemo && TB.hostedDemo.isHostedDemo && TB.hostedDemo.isHostedDemo()) {
      return el('div', { style: { display: 'none' } });
    }

    const uc = window.TB && TB.updateCheck;
    const state = (uc && uc.getState && uc.getState()) || {};
    const localVersion = (uc && uc._getLocalVersion && uc._getLocalVersion()) ||
                          (document.querySelector('meta[name="tb-version"]')?.content || '');
    const releasesUrl = (uc && uc._RELEASES_URL) ||
                        'https://github.com/beichhorn-taigan/taigan-bridge/releases/latest';
    const enabled = !!state.enabled;
    const hasConsented = state.consented === true || state.consented === false;

    const card = el('div', { class: 'tb-card', 'data-track': 'core' });
    card.appendChild(el('h2', null, '⬆ ' + t('updateCheck.settings.title')));
    card.appendChild(el('p', { class: 'tb-card-meta', style: { marginBottom: 'var(--tb-sp-3)' } },
      t('updateCheck.settings.help')));

    card.appendChild(el('div', { class: 'tb-field-help', style: { marginBottom: 'var(--tb-sp-3)' } },
      t('updateCheck.settings.currentVersion', { version: localVersion || '?' })));

    // Toggle row — uses the same toggleRow helper as the a11y card.
    card.appendChild(toggleRow(
      t('updateCheck.settings.toggle'),
      t('updateCheck.settings.toggleHelp'),
      enabled,
      (next) => {
        const cur = (TB.state.get('settings.updateCheck')) || {};
        TB.state.set('settings.updateCheck', Object.assign({}, cur, {
          enabled: next,
          // First time the user touches this toggle from Settings,
          // count it as consent — they've clearly understood there
          // is a thing to opt into.
          consented: true,
        }));
        rerender();
      },
    ));

    // Status row: last-checked + last-error (if any).
    const lastChecked = state.lastCheckedAt
      ? new Date(state.lastCheckedAt).toLocaleString()
      : null;
    card.appendChild(el('div', {
      class: 'tb-field-help',
      style: { marginTop: 'var(--tb-sp-3)' },
    }, lastChecked
        ? t('updateCheck.settings.lastChecked', { when: lastChecked })
        : t('updateCheck.settings.lastCheckedNever')));

    // If a newer version is known, surface it inline too. The banner
    // up top is the primary surface, but a Settings line is helpful
    // for users who dismissed it and now want to find the link again.
    if (uc && uc.isNewer && state.lastSeenVersion &&
        uc.isNewer(state.lastSeenVersion, localVersion)) {
      card.appendChild(el('div', {
        class: 'tb-field-help',
        style: {
          marginTop: 'var(--tb-sp-2)',
          color: 'var(--tb-accent, #356390)',
          fontWeight: 600,
        },
      }, t('updateCheck.settings.newer', { version: state.lastSeenVersion })));
    } else if (state.lastCheckedAt && localVersion) {
      // We've checked at least once and we're not behind.
      card.appendChild(el('div', {
        class: 'tb-field-help',
        style: { marginTop: 'var(--tb-sp-2)', color: 'var(--tb-text-soft)' },
      }, t('updateCheck.settings.upToDate', { version: localVersion })));
    }

    if (state.lastError) {
      card.appendChild(el('div', {
        class: 'tb-field-help',
        style: {
          marginTop: 'var(--tb-sp-2)',
          color: 'var(--tb-warn, #B97A1A)',
        },
      }, t('updateCheck.settings.error', { error: state.lastError })));
    }

    // Buttons: Check now + open releases page in browser.
    const checkBtn = el('button', {
      class: 'tb-btn', type: 'button',
      onclick: () => {
        if (!uc || !uc.checkNow) return;
        checkBtn.disabled = true;
        const originalText = checkBtn.textContent;
        checkBtn.textContent = t('updateCheck.toast.checking');
        uc.checkNow().then(() => {
          rerender();
        }).catch(() => {
          rerender();
        }).then(() => {
          // rerender replaces the DOM so the disabled state resets
          // automatically; if rerender didn't fire (unlikely), at
          // least restore the button text.
          if (document.body.contains(checkBtn)) {
            checkBtn.disabled = false;
            checkBtn.textContent = originalText;
          }
        });
      },
    }, '🔄 ' + t('updateCheck.settings.checkNow'));

    card.appendChild(el('div', {
      class: 'tb-btn-row',
      style: { marginTop: 'var(--tb-sp-3)', gap: '10px', flexWrap: 'wrap' },
    },
      checkBtn,
      el('a', {
        class: 'tb-btn tb-btn--secondary',
        href: releasesUrl,
        target: '_blank',
        rel: 'noopener noreferrer',
      }, '↗ ' + t('updateCheck.settings.releasesLink')),
    ));

    return card;
  }

  function buildBackupCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    // Shared handler for both file-picker selection and drag-drop.
    async function processBackupFile(file) {
      if (!file) return;
      try {
        const text = await TB.utils.readFileAsText(file);
        TB.state.import(text);
        alert(t('settings.import.success'));
        rerender();
      } catch (err) {
        alert(t('settings.import.failed') + ': ' + err.message);
      }
    }

    const fileInput = el('input', {
      type: 'file', accept: 'application/json,.json',
      style: { display: 'none' },
      onchange: (e) => {
        const file = e.target.files && e.target.files[0];
        e.target.value = '';
        if (file) processBackupFile(file);
      },
    });

    const card = el('div', { class: 'tb-card', 'data-track': 'core' },
      el('h2', null, t('settings.export.title')),
      el('p', null, t('settings.export.help')),
      fileInput,
      el('div', { class: 'tb-btn-row' },
        el('button', {
          class: 'tb-btn',
          onclick: () => {
            const date = TB.utils.isoDate(new Date());
            TB.utils.downloadFile(
              `taigan-bridge-backup-${date}.json`,
              TB.state.export(),
              'application/json',
            );
            TB.state.set('settings.lastExportAt', new Date().toISOString());
          },
        }, t('settings.export.do')),
        el('button', {
          class: 'tb-btn tb-btn--secondary',
          disabled: isDemo() ? true : false,
          title: isDemo() ? t('settings.import.demoDisabled') : null,
          style: isDemo() ? { opacity: '0.5', cursor: 'not-allowed' } : null,
          onclick: isDemo() ? null : () => fileInput.click(),
        }, t('settings.import.do')),
        el('span', { style: { fontSize: 'var(--tb-fs-12)', color: 'var(--tb-text-soft)' } },
          isDemo() ? '🔒 ' + t('settings.import.demoDisabled') : t('settings.import.dropHint')),
      ),
    );

    // Drag-and-drop on the whole backup card so user can just drop
    // a backup .json anywhere onto it. Disabled on the hosted demo so
    // a visitor can't restore a real backup into a copy they don't own.
    if (!isDemo()) {
      TB.utils.attachFileDrop(card, {
        accept: ['application/json', '.json'],
        text: '⤓ ' + t('settings.import.drop'),
        onFile: (f) => processBackupFile(f),
        onError: (msg) => alert(msg),
      });
    }

    return card;
  }

  function buildDangerCard() {
    const el = TB.utils.el;
    const t = TB.i18n.t;
    return el('div', { class: 'tb-card', 'data-track': 'core' },
      el('h2', null, t('settings.danger.title')),
      el('p', null, t('settings.danger.help')),
      el('div', { class: 'tb-btn-row' },
        el('button', {
          class: 'tb-btn tb-btn--danger',
          onclick: () => {
            if (!confirm(t('settings.danger.confirm'))) return;
            const typed = prompt(t('settings.danger.confirm2'));
            if (typed !== 'DELETE') return;
            TB.state.clearAll();
            location.reload();
          },
        }, t('settings.danger.do')),
      ),
    );
  }

  window.TB = window.TB || {};
  window.TB.modules = window.TB.modules || {};
  window.TB.modules[id] = { id, label_en: 'Settings', label_jp: '設定', render };
})();

</script>

  <!-- Universal search palette (⌘K / Ctrl+K). Loads after every module
       so its index can reach all module exports. -->
  <script data-source="scripts/search.js">
/* Taigan Bridge — search.js  (v0.30.0)
 *
 * Universal command palette. ⌘K / Ctrl+K from anywhere; also a header
 * magnifying-glass button. Searches across:
 *
 *   1. Modules + sections   — module registry + each module's SECTIONS array
 *   2. User records         — assets accounts, FBAR institutions/years,
 *                             family members, properties, documents,
 *                             gifts, snapshots, consultations, AI convos
 *   3. Action items         — current open actions across all generators
 *   4. Glossary terms       — TB.glossary.GLOSSARY (PFIC, WEP, FEIE, …)
 *   5. Settings shortcuts   — daily limit, API key, language, theme, …
 *
 * The index is rebuilt on every open() so it always reflects current
 * state. For corpora <2000 items this is plenty fast (<5ms typical).
 *
 * Privacy: account numbers, SSNs, beneficiary names, free-text notes,
 * and AI conversation message bodies are NOT indexed. Only display
 * labels (institution name, family member name, document title, etc.)
 * make it into the haystack.
 */

(function () {
  'use strict';

  const RECENT_KEY = 'tb-search-recent';
  const RECENT_MAX = 8;

  // ====================================================================
  // INDEX BUILDERS
  // ====================================================================
  //
  // Each builder returns Array<Entry>. Entry shape:
  //
  //   {
  //     kind:     'module' | 'section' | 'record' | 'action' |
  //               'glossary' | 'setting',
  //     id:       stable string for de-dupe + recent-search reference
  //     title:    primary label (lang-resolved; what gets matched first)
  //     subtitle: short context line shown under title in the result
  //     icon:     optional emoji/short string
  //     terms:    array of additional strings to match against (synonyms,
  //               other-language label, romaji, expansion, etc.)
  //     navigate: function(); the action when the row is selected
  //     score_boost: optional integer added to the match score
  //   }

  function getLang() {
    return TB.i18n && typeof TB.i18n.getLang === 'function' ? TB.i18n.getLang() : 'en';
  }
  function navigateToView(view) {
    if (typeof window.tbNavigate === 'function') {
      window.tbNavigate(view);
    } else {
      // Fallback: dispatch a custom event the boot script can wire to.
      document.dispatchEvent(new CustomEvent('tb:navigate', { detail: { view } }));
    }
  }
  function navigateThenScroll(view, sectionLabel) {
    navigateToView(view);
    if (!sectionLabel) return;
    // Wait one frame for the module to render, then scroll the first
    // card whose visible text starts with (or contains) the section label.
    requestAnimationFrame(() => {
      requestAnimationFrame(() => {
        const host = document.getElementById('tb-view');
        if (!host) return;
        const needle = sectionLabel.toLowerCase().slice(0, 40);
        const cards = host.querySelectorAll('.tb-card');
        for (const c of cards) {
          const txt = (c.textContent || '').toLowerCase().slice(0, 200);
          if (txt.includes(needle)) {
            c.scrollIntoView({ behavior: 'smooth', block: 'start' });
            // Brief flash so the user sees what was matched.
            const old = c.style.boxShadow;
            c.style.transition = 'box-shadow 1.2s ease';
            c.style.boxShadow = '0 0 0 3px var(--tb-accent)';
            setTimeout(() => { c.style.boxShadow = old || ''; }, 1400);
            return;
          }
        }
      });
    });
  }

  // ----- Module + section index ---------------------------------------

  function indexModulesAndSections() {
    const out = [];
    const lang = getLang();
    const mods = TB.modules || {};
    for (const mid of Object.keys(mods)) {
      const m = mods[mid];
      if (!m) continue;
      const labelEn = m.label_en || mid;
      const labelJp = m.label_jp || labelEn;
      const title = lang === 'ja' ? labelJp : labelEn;
      out.push({
        kind: 'module',
        id: 'mod:' + mid,
        title,
        subtitle: lang === 'ja' ? 'モジュール' : 'Module',
        icon: '🗂',
        terms: [labelEn, labelJp, mid],
        navigate: () => navigateToView(mid),
        score_boost: 4,
      });

      // Sections — modules expose SECTIONS as a closure-local array
      // so we can't read them from outside. Modules that want to be
      // searchable register their sections via TB.<modKey>.searchSections
      // (added to the public namespace at module init). For modules
      // that don't, we still get the module-level entry above.
      const ns = m.namespaceKey ? TB[m.namespaceKey] : TB[mid];
      const sectionRegistry =
        (ns && ns.searchSections) ||
        (m.searchSections) ||
        null;
      if (sectionRegistry && Array.isArray(sectionRegistry)) {
        for (const s of sectionRegistry) {
          const slabel = lang === 'ja' ? (s.label_jp || s.label_en) : (s.label_en || s.label_jp);
          if (!slabel) continue; // skip header/overview/resources untitled sections
          const sdesc = lang === 'ja' ? (s.description_jp || '') : (s.description_en || '');
          out.push({
            kind: 'section',
            id: 'sec:' + mid + ':' + s.id,
            title: slabel,
            subtitle: (lang === 'ja' ? '区画' : 'Section') + ' · ' + title,
            icon: '📄',
            terms: [s.label_en, s.label_jp, sdesc, s.description_en, s.description_jp].filter(Boolean),
            navigate: () => navigateThenScroll(mid, s.label_en || s.label_jp || ''),
            score_boost: 2,
          });
        }
      }
    }
    return out;
  }

  // ----- User-record index --------------------------------------------
  //
  // Rules of indexing user records:
  //   • Index display LABELS (institution, name, address city, type)
  //   • Skip account numbers, SSNs, beneficiary names, free-text notes
  //   • Subtitle gives enough context to disambiguate
  //   • navigate jumps to the owning module (no row-deep links yet)

  function indexAssets() {
    const out = [];
    const accts = (TB.state.get('assets.accounts') || []);
    const lang = getLang();
    for (const a of accts) {
      if (!a || !a.institution) continue;
      const country = a.country ? ' · ' + a.country : '';
      const wrap = a.tax_wrapper ? ' · ' + a.tax_wrapper : '';
      const ccy = a.currency ? ' · ' + a.currency : '';
      out.push({
        kind: 'record',
        id: 'rec:assets:' + (a.id || a.institution),
        title: a.institution,
        subtitle: (lang === 'ja' ? '資産口座' : 'Asset account') + country + wrap + ccy,
        icon: '🏦',
        terms: [a.institution_jp, a.institution_en, a.account_type, a.tax_wrapper, a.currency, a.country].filter(Boolean),
        navigate: () => navigateToView('assets'),
      });
    }
    return out;
  }

  function indexFbar() {
    const out = [];
    const years = TB.state.get('fbar.years') || {};
    const lang = getLang();
    const seen = new Set();
    for (const yr of Object.keys(years)) {
      const data = years[yr] || {};
      const accts = data.accounts || [];
      for (const a of accts) {
        const inst = a.institution || a.institution_name_en || a.institution_name_jp;
        if (!inst) continue;
        const dedupeKey = inst + ':' + (a.country || '');
        // Show one entry per unique institution; tag latest year in subtitle.
        if (seen.has(dedupeKey)) continue;
        seen.add(dedupeKey);
        out.push({
          kind: 'record',
          id: 'rec:fbar:' + dedupeKey,
          title: inst,
          subtitle: (lang === 'ja' ? 'FBAR 機関' : 'FBAR institution') +
            (a.country ? ' · ' + a.country : '') +
            (a.currency ? ' · ' + a.currency : ''),
          icon: '🏛',
          terms: [a.institution_name_en, a.institution_name_jp, a.country, a.currency].filter(Boolean),
          navigate: () => navigateToView('fbar'),
        });
      }
    }
    // Years themselves are searchable ("FBAR 2024")
    for (const yr of Object.keys(years).sort()) {
      out.push({
        kind: 'record',
        id: 'rec:fbar-year:' + yr,
        title: 'FBAR ' + yr,
        subtitle: lang === 'ja' ? 'FBAR 年度ワークシート' : 'FBAR year worksheet',
        icon: '📅',
        terms: [yr, 'fbar', 'fincen', '114'],
        navigate: () => navigateToView('fbar'),
      });
    }
    return out;
  }

  function indexFamily() {
    const out = [];
    const members = TB.state.get('family.members') || [];
    const lang = getLang();
    for (const m of members) {
      if (!m || !m.name) continue;
      const rel = m.relationship ? ' · ' + m.relationship : '';
      const cit = m.citizenship && Array.isArray(m.citizenship) ? ' · ' + m.citizenship.join('/') : '';
      out.push({
        kind: 'record',
        id: 'rec:family:' + (m.id || m.name),
        title: m.name,
        subtitle: (lang === 'ja' ? '家族メンバー' : 'Family member') + rel + cit,
        icon: '👤',
        terms: [m.relationship, m.name_jp].concat(m.citizenship || []).filter(Boolean),
        navigate: () => navigateToView('family'),
      });
    }
    return out;
  }

  function indexProperty() {
    const out = [];
    const props = TB.state.get('property.properties') || [];
    const lang = getLang();
    for (const p of props) {
      if (!p) continue;
      const label = p.label || p.address || p.city || p.type;
      if (!label) continue;
      out.push({
        kind: 'record',
        id: 'rec:prop:' + (p.id || label),
        title: label,
        subtitle: (lang === 'ja' ? '不動産' : 'Property') +
          (p.country ? ' · ' + p.country : '') +
          (p.type ? ' · ' + p.type : ''),
        icon: '🏠',
        terms: [p.address, p.city, p.country, p.type, p.label].filter(Boolean),
        navigate: () => navigateToView('property'),
      });
    }
    return out;
  }

  function indexDocuments() {
    const out = [];
    const docs = TB.state.get('documents') || [];
    const lang = getLang();
    for (const d of docs) {
      if (!d) continue;
      const title = d.title || d.label || d.type;
      if (!title) continue;
      const exp = d.expires ? ' · ' + (lang === 'ja' ? '有効期限 ' : 'expires ') + d.expires : '';
      out.push({
        kind: 'record',
        id: 'rec:doc:' + (d.id || title),
        title: title,
        subtitle: (lang === 'ja' ? '書類' : 'Document') +
          (d.type ? ' · ' + d.type : '') + exp,
        icon: '📄',
        terms: [d.type, d.holder, d.country].filter(Boolean),
        navigate: () => navigateToView('document-vault'),
      });
    }
    return out;
  }

  function indexGifts() {
    const out = [];
    const gifts = TB.state.get('family.gifts') || [];
    const lang = getLang();
    for (const g of gifts) {
      if (!g) continue;
      const recipient = g.to || g.recipient;
      if (!recipient) continue;
      const yr = g.year || (g.date ? String(g.date).slice(0, 4) : '');
      const amt = g.amount != null ? ' · ' + (g.currency || '$') + g.amount : '';
      out.push({
        kind: 'record',
        id: 'rec:gift:' + (g.id || recipient + yr),
        title: (lang === 'ja' ? '贈与: ' : 'Gift: ') + recipient + (yr ? ' (' + yr + ')' : ''),
        subtitle: (lang === 'ja' ? '贈与記録' : 'Gift record') + amt,
        icon: '🎁',
        terms: [recipient, yr, g.notes_short].filter(Boolean),
        navigate: () => navigateToView('family'),
      });
    }
    return out;
  }

  function indexSnapshots() {
    const out = [];
    const snaps = TB.state.get('net_worth.snapshots') || [];
    const lang = getLang();
    for (const s of snaps) {
      if (!s || !s.date) continue;
      out.push({
        kind: 'record',
        id: 'rec:snap:' + s.date,
        title: (lang === 'ja' ? '純資産スナップショット ' : 'Net worth snapshot ') + s.date,
        subtitle: (lang === 'ja' ? '純資産履歴' : 'Net worth history') +
          (s.total_usd != null ? ' · $' + Math.round(s.total_usd).toLocaleString() : ''),
        icon: '📈',
        terms: [s.date, s.note].filter(Boolean),
        navigate: () => navigateToView('net-worth'),
      });
    }
    return out;
  }

  function indexConsultations() {
    const out = [];
    const log = TB.state.get('consultations.log') || [];
    const lang = getLang();
    for (const c of log) {
      if (!c) continue;
      const who = c.professional_name || c.type;
      if (!who) continue;
      out.push({
        kind: 'record',
        id: 'rec:cons:' + (c.id || who + (c.date || '')),
        title: who,
        subtitle: (lang === 'ja' ? '相談記録' : 'Consultation') +
          (c.type ? ' · ' + c.type : '') + (c.date ? ' · ' + c.date : ''),
        icon: '💼',
        terms: [c.type, c.firm, c.location].filter(Boolean),
        navigate: () => navigateToView('consultations'),
      });
    }
    return out;
  }

  function indexConversations() {
    const out = [];
    const convs = TB.state.get('ai_assistant.conversations') || [];
    const lang = getLang();
    for (const c of convs) {
      if (!c || !c.id) continue;
      const title = c.title || (lang === 'ja' ? '無題の会話' : 'Untitled conversation');
      out.push({
        kind: 'record',
        id: 'rec:conv:' + c.id,
        title,
        subtitle: (lang === 'ja' ? 'タイガン会話' : 'Ask Taigan conversation') +
          (c.updated_at ? ' · ' + String(c.updated_at).slice(0, 10) : ''),
        icon: '💬',
        terms: ['ask taigan', 'タイガン'],
        navigate: () => navigateToView('ask-taigan'),
      });
    }
    return out;
  }

  function indexUserRecords() {
    return [].concat(
      indexAssets(),
      indexFbar(),
      indexFamily(),
      indexProperty(),
      indexDocuments(),
      indexGifts(),
      indexSnapshots(),
      indexConsultations(),
      indexConversations(),
    );
  }

  // ----- Action-item index --------------------------------------------

  function indexActions() {
    const out = [];
    const lang = getLang();
    if (!TB.actionCenter || typeof TB.actionCenter.deriveActions !== 'function') return out;
    let items = [];
    try { items = TB.actionCenter.deriveActions(); } catch (_) { return out; }
    for (const item of items) {
      if (!item || !item.title) continue;
      const due = item.deadline ? ' · ' + (lang === 'ja' ? '期日 ' : 'due ') + item.deadline : '';
      out.push({
        kind: 'action',
        id: 'act:' + item.id,
        title: item.title,
        subtitle: (lang === 'ja' ? 'アクション項目' : 'Action item') +
          (item.urgency ? ' · ' + item.urgency : '') + due,
        icon: item.icon || '⚡',
        terms: [item.body, item.module, item.urgency].filter(Boolean),
        navigate: () => navigateToView(item.module || 'action-center'),
        score_boost: 1,
      });
    }
    return out;
  }

  // ----- Glossary index -----------------------------------------------

  function indexGlossary() {
    const out = [];
    const lang = getLang();
    const G = TB.glossary && TB.glossary.GLOSSARY;
    if (!G) return out;
    for (const key of Object.keys(G)) {
      const e = G[key];
      const title = key + (e.expansion ? ' — ' + e.expansion : '');
      out.push({
        kind: 'glossary',
        id: 'gloss:' + key,
        title,
        subtitle: (lang === 'ja' ? '用語集' : 'Glossary') +
          (e.category ? ' · ' + e.category : '') +
          (e.short ? ' · ' + e.short.slice(0, 90) + (e.short.length > 90 ? '…' : '') : ''),
        icon: '📖',
        terms: [key, e.expansion, e.short, e.category].concat(e.match || []).filter(Boolean),
        navigate: () => {
          // Open the glossary modal directly.
          if (TB.glossary && typeof TB.glossary.show === 'function') TB.glossary.show(key);
        },
      });
    }
    return out;
  }

  // ----- Settings shortcut index --------------------------------------

  function indexSettings() {
    const lang = getLang();
    const t = TB.i18n && TB.i18n.t;
    function s(en, ja) { return lang === 'ja' ? ja : en; }
    const items = [
      { key: 'apikey',    title: s('Claude API key',           'Claude API キー'),       icon: '🔑', terms: ['key', 'anthropic', 'apikey', 'sk-ant'] },
      { key: 'model',     title: s('AI model selector',        'AI モデル選択'),         icon: '🤖', terms: ['model', 'claude', 'opus', 'sonnet', 'haiku'] },
      { key: 'usage',     title: s('AI usage dashboard',       'AI 使用量ダッシュボード'), icon: '📊', terms: ['usage', 'cost', 'tokens', 'dashboard', 'spend'] },
      { key: 'limit',     title: s('Daily AI spend limit',     '1 日の AI 上限'),         icon: '💵', terms: ['limit', 'daily', 'cap', 'budget'] },
      { key: 'credits',   title: s('API credit balance',       'API クレジット残高'),     icon: '💳', terms: ['credit', 'balance', 'topup', 'reconcile'] },
      { key: 'fx',        title: s('FX rates (Treasury)',      '為替レート(Treasury)'),  icon: '🌐', terms: ['fx', 'rates', 'treasury', 'currency'] },
      { key: 'a11y',      title: s('Display & accessibility',  '表示 / アクセシビリティ'), icon: '♿', terms: ['accessibility', 'a11y', 'font', 'contrast', 'motion'] },
      { key: 'language',  title: s('Language (EN / 日本語)',    '言語(EN / 日本語)'),    icon: '🌏', terms: ['language', 'en', 'ja', 'japanese', 'english'] },
      { key: 'theme',     title: s('Theme (light / dark)',     'テーマ(ライト / ダーク)'), icon: '🌙', terms: ['theme', 'dark', 'light', 'mode'] },
      { key: 'backup',    title: s('Backup / restore',         'バックアップ / 復元'),     icon: '💾', terms: ['backup', 'export', 'import', 'restore'] },
      { key: 'danger',    title: s('Delete all data',          '全データ削除'),           icon: '🗑', terms: ['delete', 'reset', 'wipe', 'clear', 'danger'] },
    ];
    return items.map((i) => ({
      kind: 'setting',
      id: 'set:' + i.key,
      title: i.title,
      subtitle: lang === 'ja' ? '設定' : 'Settings',
      icon: i.icon,
      terms: i.terms,
      navigate: () => {
        if (i.key === 'theme') {
          const btn = document.getElementById('tb-theme-toggle');
          if (btn) btn.click();
          return;
        }
        if (i.key === 'language') {
          const btn = document.getElementById('tb-lang-toggle');
          if (btn) btn.click();
          return;
        }
        navigateToView('settings');
      },
      score_boost: 1,
    }));
  }

  // ====================================================================
  // SCORING / TOKENIZATION
  // ====================================================================
  //
  // Lightweight scorer. Tokenize the query, then for each entry compute
  // a score = sum over tokens of:
  //   • exact prefix of title           +30
  //   • title contains token            +12
  //   • subtitle contains token         +5
  //   • any term contains token         +3
  //   • startsWith on a term            +6
  //   • exact match (any field)         +25
  // Plus the entry's score_boost.
  //
  // Multi-token AND semantics: every token must contribute at least 1
  // somewhere, otherwise the entry is filtered out entirely.

  function norm(s) {
    return String(s || '').toLowerCase().normalize('NFKC');
  }

  function tokenize(q) {
    const n = norm(q);
    if (!n) return [];
    return n.split(/\s+/).map(s => s.trim()).filter(Boolean);
  }

  function scoreEntry(entry, tokens) {
    if (!tokens.length) return 0;
    const title = norm(entry.title);
    const sub   = norm(entry.subtitle);
    const terms = (entry.terms || []).map(norm);
    let total = 0;
    for (const tok of tokens) {
      let tokScore = 0;
      if (title === tok) tokScore += 25;
      if (title.startsWith(tok)) tokScore += 30;
      else if (title.includes(tok)) tokScore += 12;
      if (sub.includes(tok)) tokScore += 5;
      for (const tm of terms) {
        if (!tm) continue;
        if (tm === tok) { tokScore += 25; break; }
        if (tm.startsWith(tok)) { tokScore += 6; break; }
        if (tm.includes(tok)) { tokScore += 3; break; }
      }
      if (tokScore === 0) return 0; // AND semantics — token didn't match
      total += tokScore;
    }
    return total + (entry.score_boost || 0);
  }

  function buildIndex() {
    return [].concat(
      indexModulesAndSections(),
      indexUserRecords(),
      indexActions(),
      indexGlossary(),
      indexSettings(),
    );
  }

  function search(query, index) {
    const tokens = tokenize(query);
    if (!tokens.length) return [];
    const scored = [];
    for (const e of index) {
      const s = scoreEntry(e, tokens);
      if (s > 0) scored.push({ entry: e, score: s });
    }
    scored.sort((a, b) => b.score - a.score);
    return scored.slice(0, 60).map(s => s.entry);
  }

  // ====================================================================
  // RECENT SEARCHES (persisted across sessions)
  // ====================================================================

  function getRecent() {
    try {
      const raw = localStorage.getItem(RECENT_KEY);
      if (!raw) return [];
      const arr = JSON.parse(raw);
      return Array.isArray(arr) ? arr : [];
    } catch (_) { return []; }
  }
  function pushRecent(query, entry) {
    const lang = getLang();
    if (!query || !entry) return;
    const list = getRecent();
    // De-dupe by entry id
    const filtered = list.filter(r => r.id !== entry.id);
    filtered.unshift({
      id: entry.id,
      kind: entry.kind,
      title: entry.title,
      subtitle: entry.subtitle,
      icon: entry.icon,
      query,
      lang,
      at: Date.now(),
    });
    while (filtered.length > RECENT_MAX) filtered.pop();
    try { localStorage.setItem(RECENT_KEY, JSON.stringify(filtered)); } catch (_) {}
  }
  function clearRecent() {
    try { localStorage.removeItem(RECENT_KEY); } catch (_) {}
  }

  // ====================================================================
  // PALETTE UI
  // ====================================================================

  let _open = false;
  let _root = null;
  let _input = null;
  let _resultsHost = null;
  let _index = null;
  let _activeIdx = 0;
  let _currentResults = [];

  function open() {
    if (_open) {
      // Already open — just refocus the input.
      if (_input) _input.focus();
      return;
    }
    _open = true;
    _index = buildIndex();
    _activeIdx = 0;
    _currentResults = [];
    render();
    // Defer focus so the modal is in the DOM.
    requestAnimationFrame(() => { if (_input) _input.focus(); });
  }

  function close() {
    if (!_open) return;
    _open = false;
    if (_root && _root.parentNode) _root.parentNode.removeChild(_root);
    _root = _input = _resultsHost = null;
    _index = null;
    _currentResults = [];
  }

  function selectActive() {
    const r = _currentResults[_activeIdx];
    if (!r) return;
    const q = _input ? _input.value : '';
    pushRecent(q, r);
    close();
    try { r.navigate(); } catch (err) { console.warn('[search] navigate failed', err); }
  }

  function moveActive(delta) {
    if (!_currentResults.length) return;
    _activeIdx = (_activeIdx + delta + _currentResults.length) % _currentResults.length;
    renderResults(_input ? _input.value : '');
  }

  function render() {
    const el = TB.utils.el;
    const t = TB.i18n.t;

    _root = el('div', { class: 'tb-search-backdrop', role: 'dialog', 'aria-modal': 'true' });
    _root.addEventListener('click', (e) => { if (e.target === _root) close(); });

    const panel = el('div', { class: 'tb-search-panel' });
    _root.appendChild(panel);

    // Header — magnifying glass + input + ESC hint
    const header = el('div', { class: 'tb-search-header' });
    header.appendChild(el('span', { class: 'tb-search-icon' }, '🔍'));
    _input = el('input', {
      class: 'tb-search-input',
      type: 'text',
      placeholder: t('search.placeholder'),
      'aria-label': t('search.ariaLabel'),
      autocomplete: 'off',
      spellcheck: 'false',
    });
    _input.addEventListener('input', () => {
      _activeIdx = 0;
      renderResults(_input.value);
    });
    _input.addEventListener('keydown', (e) => {
      if (e.key === 'ArrowDown') { e.preventDefault(); moveActive(1); }
      else if (e.key === 'ArrowUp') { e.preventDefault(); moveActive(-1); }
      else if (e.key === 'Enter') { e.preventDefault(); selectActive(); }
      else if (e.key === 'Escape') { e.preventDefault(); close(); }
    });
    header.appendChild(_input);
    header.appendChild(el('kbd', { class: 'tb-search-kbd' }, 'Esc'));
    panel.appendChild(header);

    // Results host
    _resultsHost = el('div', { class: 'tb-search-results', role: 'listbox' });
    panel.appendChild(_resultsHost);

    // Footer — keyboard hints + index size
    const footer = el('div', { class: 'tb-search-footer' });
    footer.appendChild(el('span', null,
      el('kbd', { class: 'tb-search-kbd' }, '↑'),
      el('kbd', { class: 'tb-search-kbd' }, '↓'),
      ' ' + t('search.kbd.navigate') + ' · ',
      el('kbd', { class: 'tb-search-kbd' }, '↵'),
      ' ' + t('search.kbd.select'),
    ));
    footer.appendChild(el('span', { class: 'tb-search-meta' },
      t('search.indexSize', { n: _index.length }),
    ));
    panel.appendChild(footer);

    document.body.appendChild(_root);
    renderResults('');
  }

  function renderResults(query) {
    if (!_resultsHost) return;
    _resultsHost.innerHTML = '';
    const el = TB.utils.el;
    const t = TB.i18n.t;
    const lang = getLang();
    const tokens = tokenize(query);

    // Empty query → show recent searches + a few category headlines.
    if (!tokens.length) {
      const recent = getRecent();
      if (recent.length === 0) {
        _resultsHost.appendChild(emptyHint(t('search.emptyHint')));
      } else {
        _resultsHost.appendChild(sectionLabel(t('search.recent')));
        // Map recent to entries by id when possible
        const byId = {};
        for (const e of _index) byId[e.id] = e;
        const recentEntries = recent.map(r => byId[r.id]).filter(Boolean);
        if (recentEntries.length === 0) {
          _resultsHost.appendChild(emptyHint(t('search.recentMissing')));
        } else {
          _currentResults = recentEntries;
          recentEntries.forEach((e, idx) => {
            _resultsHost.appendChild(buildRow(e, idx, ''));
          });
        }
        // Clear recent link
        _resultsHost.appendChild(el('div', { class: 'tb-search-clear-row' },
          el('a', {
            href: '#',
            class: 'tb-search-clear',
            onclick: (ev) => { ev.preventDefault(); clearRecent(); renderResults(''); },
          }, '× ' + t('search.clearRecent')),
        ));
      }
      return;
    }

    // Active query → run search and group by kind.
    const results = search(query, _index);
    _currentResults = results;
    if (results.length === 0) {
      _resultsHost.appendChild(emptyHint(t('search.noResults', { q: query })));
      return;
    }

    // Group by kind, preserving overall score order within each group.
    const ORDER = ['module', 'section', 'record', 'action', 'setting', 'glossary'];
    const groups = {};
    for (const r of results) {
      (groups[r.kind] = groups[r.kind] || []).push(r);
    }

    let runningIdx = 0;
    for (const kind of ORDER) {
      const list = groups[kind];
      if (!list || !list.length) continue;
      _resultsHost.appendChild(sectionLabel(kindLabel(kind, lang) + ' · ' + list.length));
      list.forEach((entry) => {
        _resultsHost.appendChild(buildRow(entry, runningIdx, query));
        runningIdx++;
      });
    }

    // Make sure the active row is in view.
    const active = _resultsHost.querySelector('.tb-search-row.is-active');
    if (active && active.scrollIntoView) {
      active.scrollIntoView({ block: 'nearest' });
    }
  }

  function kindLabel(kind, lang) {
    const map = {
      module:   ['Modules',         'モジュール'],
      section:  ['Sections',        '区画'],
      record:   ['Your records',    '記録'],
      action:   ['Action items',    'アクション項目'],
      glossary: ['Glossary',        '用語集'],
      setting:  ['Settings',        '設定'],
    };
    const e = map[kind] || [kind, kind];
    return lang === 'ja' ? e[1] : e[0];
  }

  function buildRow(entry, idx, query) {
    const el = TB.utils.el;
    const isActive = idx === _activeIdx;
    const row = el('div', {
      class: 'tb-search-row' + (isActive ? ' is-active' : ''),
      role: 'option',
      'aria-selected': isActive ? 'true' : 'false',
      tabindex: '-1',
      'data-idx': String(idx),
      onclick: () => { _activeIdx = idx; selectActive(); },
      onmouseenter: () => {
        if (_activeIdx !== idx) {
          _activeIdx = idx;
          // Just toggle classes — re-render would steal focus.
          if (_resultsHost) {
            _resultsHost.querySelectorAll('.tb-search-row').forEach((r) => {
              r.classList.toggle('is-active', r.dataset.idx === String(idx));
            });
          }
        }
      },
    });
    // Use the SVG icon set for module + section entries (gives the
    // palette a coherent visual look). Fall back to the emoji string
    // on entry.icon for record / glossary / action / setting rows.
    const iconNode = el('span', { class: 'tb-search-row__icon' });
    let svgFor = null;
    if (TB.icons && TB.icons.get) {
      if (entry.kind === 'module') {
        const mid = entry.id.indexOf(':') >= 0 ? entry.id.split(':')[1] : entry.id;
        svgFor = TB.icons.get(mid, { size: 18 });
      } else if (entry.kind === 'section') {
        const parts = entry.id.split(':');
        if (parts.length >= 2) svgFor = TB.icons.get(parts[1], { size: 18 });
      }
    }
    if (svgFor) {
      svgFor.style.color = 'var(--tb-text-soft)';
      iconNode.appendChild(svgFor);
    } else {
      iconNode.textContent = entry.icon || '·';
    }
    row.appendChild(iconNode);
    const main = el('div', { class: 'tb-search-row__main' });
    main.appendChild(el('div', { class: 'tb-search-row__title' }, highlight(entry.title, query)));
    main.appendChild(el('div', { class: 'tb-search-row__sub' }, entry.subtitle || ''));
    row.appendChild(main);
    row.appendChild(el('span', { class: 'tb-search-row__kind' }, kindShort(entry.kind)));
    return row;
  }

  function kindShort(kind) {
    const map = {
      module: 'MOD', section: 'SEC', record: 'REC',
      action: 'ACT', glossary: 'DEF', setting: 'SET',
    };
    return map[kind] || kind.toUpperCase();
  }

  // Lightweight highlight — wraps token matches in <mark>. Returns either
  // a string (no matches) or a DocumentFragment (with mark nodes).
  function highlight(text, query) {
    const tokens = tokenize(query);
    if (!tokens.length || !text) return text || '';
    const lower = text.toLowerCase();
    // Find the earliest match position for any token; expand to cover all
    // overlapping matches via a sequential walk.
    const ranges = [];
    for (const tok of tokens) {
      let i = 0;
      while (true) {
        const at = lower.indexOf(tok, i);
        if (at === -1) break;
        ranges.push([at, at + tok.length]);
        i = at + tok.length;
      }
    }
    if (!ranges.length) return text;
    ranges.sort((a, b) => a[0] - b[0]);
    // Merge overlapping ranges
    const merged = [ranges[0]];
    for (let k = 1; k < ranges.length; k++) {
      const last = merged[merged.length - 1];
      if (ranges[k][0] <= last[1]) last[1] = Math.max(last[1], ranges[k][1]);
      else merged.push(ranges[k]);
    }
    const frag = document.createDocumentFragment();
    let cursor = 0;
    for (const [a, b] of merged) {
      if (a > cursor) frag.appendChild(document.createTextNode(text.slice(cursor, a)));
      const mark = document.createElement('mark');
      mark.className = 'tb-search-mark';
      mark.appendChild(document.createTextNode(text.slice(a, b)));
      frag.appendChild(mark);
      cursor = b;
    }
    if (cursor < text.length) frag.appendChild(document.createTextNode(text.slice(cursor)));
    return frag;
  }

  function emptyHint(text) {
    const el = TB.utils.el;
    return el('div', { class: 'tb-search-empty' }, text);
  }

  function sectionLabel(text) {
    const el = TB.utils.el;
    return el('div', { class: 'tb-search-grouplabel' }, text);
  }

  // ====================================================================
  // KEYBOARD SHORTCUT
  // ====================================================================

  function isMac() {
    return /Mac|iPod|iPhone|iPad/i.test(navigator.platform || navigator.userAgent || '');
  }
  function shortcutLabel() {
    return isMac() ? '⌘K' : 'Ctrl+K';
  }
  function installShortcut() {
    document.addEventListener('keydown', (e) => {
      // ⌘K / Ctrl+K toggles
      if ((e.metaKey || e.ctrlKey) && (e.key === 'k' || e.key === 'K')) {
        e.preventDefault();
        if (_open) close(); else open();
        return;
      }
      // "/" anywhere opens (unless typing in an input/textarea)
      if (e.key === '/' && !_open) {
        const tag = (document.activeElement && document.activeElement.tagName) || '';
        const editing = /^(INPUT|TEXTAREA|SELECT)$/.test(tag) ||
          (document.activeElement && document.activeElement.isContentEditable);
        if (!editing) {
          e.preventDefault();
          open();
        }
      }
    });
  }

  window.TB = window.TB || {};
  window.TB.search = {
    open,
    close,
    buildIndex,
    search,
    shortcutLabel,
    installShortcut,
  };
})();

</script>

  <!-- License / Changelog / Feedback / Tip-jar overlays. Loaded after
       i18n + utils so the modal renderer can reach TB.utils.el and
       TB.i18n.t synchronously. The script self-installs a delegated
       click handler on hash anchors so it works for both the static
       footer links and the dynamic About-card links. -->
  <script data-source="scripts/about-overlays.js">
/* Taigan Bridge — about-overlays.js
 *
 * Modal overlays for the four hash anchors that appear in the About
 * page footer (and the global page footer):
 *
 *   #license   → License (LICENSE.md, inlined at build time)
 *   #changelog → What's new (CHANGELOG.md, inlined at build time)
 *   #feedback  → Send feedback (mailto + form options)
 *   #tip       → Buy me a coffee (Ko-fi / BMaC / GitHub Sponsors links)
 *
 * Implemented as plain DOM modals using the existing .tb-modal /
 * .tb-modal-backdrop classes. Wired by listening for click events on
 * any anchor whose href matches one of the four hashes. We use event
 * delegation so dynamically-rendered anchors (the About card gets
 * re-rendered on nav) don't have to be re-bound.
 *
 * Lives outside index.html on purpose — the HTML file is already
 * dense and these overlays don't need to be on the critical-path
 * boot script.
 */
(function () {
  'use strict';

  // ─── Tip jar config ────────────────────────────────────────────────
  // Hard-coded here rather than in i18n — these are URLs, not
  // translatable strings. Ko-fi + BMaC are the active platforms (both
  // are live and accepting tips). GitHub Sponsors is listed last with
  // `comingSoon: true` because the application is pending GitHub
  // approval; when that lands, flip the flag to false (and that's it
  // — the entry then renders as a normal active link).
  //
  // BMaC handle is case-sensitive in the URL ("TaiganBridge"); Ko-fi's
  // is not. GitHub handle matches the repo owner.
  const TIP_LINKS = [
    {
      id: 'kofi',
      label_en: 'Ko-fi (one-time tip, no signup)',
      label_jp: 'Ko-fi(サインアップ不要、ワンタイム)',
      url: 'https://ko-fi.com/taiganbridge',
      icon: '☕',
      desc_en: 'Lowest friction. Card payment, no account required, US$3 per "coffee".',
      desc_jp: '最も簡単。カード決済のみ、アカウント不要、1 杯 US$3。',
    },
    {
      id: 'bmac',
      label_en: 'Buy Me a Coffee',
      label_jp: 'Buy Me a Coffee',
      url: 'https://www.buymeacoffee.com/TaiganBridge',
      icon: '🥐',
      desc_en: 'Same idea as Ko-fi — pick whichever you prefer.',
      desc_jp: 'Ko-fi と同じ仕組み。お好みでどうぞ。',
    },
    {
      id: 'github',
      label_en: 'GitHub Sponsors (monthly or one-time)',
      label_jp: 'GitHub Sponsors(月額・一回いずれも可)',
      url: 'https://github.com/sponsors/beichhorn-taigan',
      icon: '💖',
      desc_en: 'Pending GitHub approval. Will support recurring monthly or one-time, best fit if you already have a GitHub account.',
      desc_jp: 'GitHub の承認待ちです。承認後は月額継続・一回限りどちらも可能になります(GitHub アカウントをお持ちの方に最適)。',
      comingSoon: true,
    },
  ];

  const FEEDBACK_EMAIL = 'benjamin.eichhorn@gmail.com';

  // ─── DOM helpers ───────────────────────────────────────────────────
  function el(tag, attrs, ...children) {
    return TB.utils.el(tag, attrs, ...children);
  }
  function t(key, vars) {
    return (TB.i18n && TB.i18n.t) ? TB.i18n.t(key, vars) : key;
  }

  function getModalRoot() {
    let root = document.getElementById('tb-modal-root');
    if (!root) {
      root = document.createElement('div');
      root.id = 'tb-modal-root';
      document.body.appendChild(root);
    }
    return root;
  }

  // Open a modal with a given header + body. The body callback
  // receives a `close()` function so action buttons inside the body
  // can dismiss the modal cleanly.
  function openModal(opts) {
    const root = getModalRoot();
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', {
      class: 'tb-modal',
      style: { maxWidth: opts.maxWidth || '720px', maxHeight: '88vh', overflow: 'auto' },
      role: 'dialog',
      'aria-modal': 'true',
      'aria-labelledby': 'tb-overlay-title',
    });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });
    document.addEventListener('keydown', function escClose(e) {
      if (e.key === 'Escape') {
        close();
        document.removeEventListener('keydown', escClose);
      }
    });

    // Header row — title + close button
    modal.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline',
        marginBottom: 'var(--tb-sp-3)', gap: 'var(--tb-sp-3)' },
    },
      el('h2', { id: 'tb-overlay-title', style: { margin: 0 } }, opts.title),
      el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 10px' },
        onclick: close,
        'aria-label': t('overlay.close'),
      }, '✕'),
    ));

    // Body
    const bodyHost = el('div', null);
    modal.appendChild(bodyHost);
    opts.renderBody(bodyHost, close);

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Markdown → HTML (minimal) ─────────────────────────────────────
  // Both LICENSE.md and CHANGELOG.md are author-controlled and have a
  // narrow set of constructs we need to render:
  //   #/##/### headings, **bold**, *italic*, `code`, links, lists,
  //   horizontal rules, paragraphs. No tables / images / embedded
  //   HTML. Keeping this in-house instead of pulling in marked.js
  //   avoids a new dep + dist-size bump.
  function escapeHtml(s) {
    return String(s == null ? '' : s)
      .replace(/&/g, '&amp;')
      .replace(/</g, '&lt;')
      .replace(/>/g, '&gt;')
      .replace(/"/g, '&quot;')
      .replace(/'/g, '&#39;');
  }
  function inlineFmt(s) {
    return escapeHtml(s)
      // links: [text](url) — render as external link
      .replace(/\[([^\]]+)\]\(([^)]+)\)/g, (m, text, url) => {
        const safe = /^https?:\/\/|^mailto:/.test(url) ? url : '#';
        return '<a href="' + safe + '" target="_blank" rel="noopener noreferrer">' + text + '</a>';
      })
      // **bold**
      .replace(/\*\*([^*]+)\*\*/g, '<strong>$1</strong>')
      // *italic*
      .replace(/(^|[^*])\*([^*\n]+)\*/g, '$1<em>$2</em>')
      // `code`
      .replace(/`([^`]+)`/g, '<code>$1</code>');
  }
  function mdToHtml(md) {
    const lines = String(md || '').replace(/\r\n/g, '\n').split('\n');
    const out = [];
    let inList = false;
    let listType = null;
    let inPara = false;
    function closeList() { if (inList) { out.push(listType === 'ul' ? '</ul>' : '</ol>'); inList = false; listType = null; } }
    function closePara() { if (inPara) { out.push('</p>'); inPara = false; } }
    for (const raw of lines) {
      const line = raw.replace(/\s+$/, '');
      if (!line) { closeList(); closePara(); continue; }
      // Horizontal rule
      if (/^---+$/.test(line)) { closeList(); closePara(); out.push('<hr>'); continue; }
      // Headings
      const h = /^(#{1,6})\s+(.*)$/.exec(line);
      if (h) {
        closeList(); closePara();
        const level = h[1].length;
        out.push('<h' + level + '>' + inlineFmt(h[2]) + '</h' + level + '>');
        continue;
      }
      // Unordered list item
      if (/^\s*[-*+]\s+/.test(line)) {
        closePara();
        if (!inList || listType !== 'ul') { closeList(); out.push('<ul>'); inList = true; listType = 'ul'; }
        out.push('<li>' + inlineFmt(line.replace(/^\s*[-*+]\s+/, '')) + '</li>');
        continue;
      }
      // Ordered list item
      if (/^\s*\d+\.\s+/.test(line)) {
        closePara();
        if (!inList || listType !== 'ol') { closeList(); out.push('<ol>'); inList = true; listType = 'ol'; }
        out.push('<li>' + inlineFmt(line.replace(/^\s*\d+\.\s+/, '')) + '</li>');
        continue;
      }
      // Paragraph
      if (!inPara) { closeList(); out.push('<p>'); inPara = true; }
      else { out.push(' '); }
      out.push(inlineFmt(line));
    }
    closeList(); closePara();
    return out.join('\n');
  }

  // ─── License modal ─────────────────────────────────────────────────
  function openLicense() {
    openModal({
      title: '📜 ' + t('overlay.license.title'),
      maxWidth: '780px',
      renderBody: (host) => {
        const text = (TB.content && TB.content.licenseText) || '';
        if (!text) {
          host.appendChild(el('p', { class: 'tb-card-meta' }, t('overlay.license.missing')));
          return;
        }
        const wrap = el('div', { class: 'tb-md-body' });
        wrap.innerHTML = mdToHtml(text);
        host.appendChild(wrap);
      },
    });
  }

  // ─── Changelog (What's new) modal ──────────────────────────────────
  function openChangelog() {
    openModal({
      title: '✨ ' + t('overlay.changelog.title'),
      maxWidth: '820px',
      renderBody: (host) => {
        const text = (TB.content && TB.content.changelogText) || '';
        if (!text) {
          host.appendChild(el('p', { class: 'tb-card-meta' }, t('overlay.changelog.missing')));
          return;
        }
        host.appendChild(el('p', { class: 'tb-card-meta' }, t('overlay.changelog.intro')));
        const wrap = el('div', { class: 'tb-md-body' });
        wrap.innerHTML = mdToHtml(text);
        host.appendChild(wrap);
      },
    });
  }

  // ─── Feedback modal ────────────────────────────────────────────────
  // Browsers can't send mail without involving the user's mail client,
  // and we don't run a backend. So the feedback flow is: pre-fill a
  // mailto: with the user's draft, plus offer a "Copy to clipboard"
  // path for users without a mail client (web-mail-only users on
  // managed devices, etc.). Privacy-safe: the whole flow happens in
  // the browser, the author only sees what the user actually sends.
  function openFeedback() {
    openModal({
      title: '💬 ' + t('overlay.feedback.title'),
      maxWidth: '640px',
      renderBody: (host, close) => {
        host.appendChild(el('p', null, t('overlay.feedback.intro')));

        // Subject + body inputs — pre-populated with version/build so
        // bug reports always carry the build hash.
        const v = document.querySelector('meta[name="tb-version"]')?.content || '';
        const h = document.querySelector('meta[name="tb-build-hash"]')?.content || '';
        const subject = '[Taigan Bridge] feedback — v' + v;
        const bodyTemplate = [
          '',
          '',
          '',
          '— — — — — — — — — — — — — — —',
          'Build: v' + v + ' (' + h + ')',
          'Browser: ' + (navigator.userAgent || 'unknown'),
          'Lang: ' + ((TB.i18n && TB.i18n.getLang) ? TB.i18n.getLang() : 'unknown'),
        ].join('\n');

        const subjectInput = el('input', {
          type: 'text', class: 'tb-input',
          style: { width: '100%', marginBottom: 'var(--tb-sp-2)', fontFamily: 'inherit' },
          value: subject,
        });
        const bodyInput = el('textarea', {
          class: 'tb-input',
          rows: 10,
          style: { width: '100%', fontFamily: 'inherit', fontSize: 'var(--tb-fs-14)', lineHeight: '1.5' },
          placeholder: t('overlay.feedback.placeholder'),
        }, bodyTemplate);

        host.appendChild(el('label', { class: 'tb-field-label' }, t('overlay.feedback.subject')));
        host.appendChild(subjectInput);
        host.appendChild(el('label', { class: 'tb-field-label', style: { marginTop: 'var(--tb-sp-2)' } },
          t('overlay.feedback.body')));
        host.appendChild(bodyInput);

        // Action row
        const actions = el('div', {
          style: { display: 'flex', gap: 'var(--tb-sp-2)', flexWrap: 'wrap',
            marginTop: 'var(--tb-sp-3)', justifyContent: 'flex-end' },
        });
        // Open in mail client (mailto:)
        actions.appendChild(el('button', {
          class: 'tb-btn', type: 'button',
          onclick: () => {
            const url = 'mailto:' + encodeURIComponent(FEEDBACK_EMAIL)
              + '?subject=' + encodeURIComponent(subjectInput.value)
              + '&body=' + encodeURIComponent(bodyInput.value);
            window.location.href = url;
          },
        }, '✉ ' + t('overlay.feedback.openMail')));
        // Copy to clipboard
        actions.appendChild(el('button', {
          class: 'tb-btn tb-btn--secondary', type: 'button',
          onclick: async (e) => {
            const btn = e.currentTarget;
            const orig = btn.textContent;
            try {
              const blob = 'To: ' + FEEDBACK_EMAIL + '\nSubject: ' + subjectInput.value + '\n\n' + bodyInput.value;
              await navigator.clipboard.writeText(blob);
              btn.textContent = '✓ ' + t('overlay.feedback.copied');
              setTimeout(() => { btn.textContent = orig; }, 2000);
            } catch (err) {
              btn.textContent = '✗ ' + (err.message || 'failed');
              setTimeout(() => { btn.textContent = orig; }, 2500);
            }
          },
        }, '📋 ' + t('overlay.feedback.copy')));
        actions.appendChild(el('button', {
          class: 'tb-btn tb-btn--ghost', type: 'button',
          onclick: close,
        }, t('overlay.close')));
        host.appendChild(actions);

        // Privacy footnote
        host.appendChild(el('p', {
          class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-3)' },
        }, t('overlay.feedback.privacy', { email: FEEDBACK_EMAIL })));
      },
    });
  }

  // ─── Tip jar (Buy me a coffee) modal ───────────────────────────────
  function openTipJar() {
    const lang = (TB.i18n && TB.i18n.getLang) ? TB.i18n.getLang() : 'en';
    openModal({
      title: '☕ ' + t('overlay.tip.title'),
      maxWidth: '560px',
      renderBody: (host) => {
        host.appendChild(el('p', null, t('overlay.tip.intro')));
        host.appendChild(el('p', { class: 'tb-field-help' }, t('overlay.tip.where')));

        const list = el('div', {
          style: { display: 'flex', flexDirection: 'column', gap: 'var(--tb-sp-2)',
            marginTop: 'var(--tb-sp-2)' },
        });
        TIP_LINKS.forEach((tip) => {
          const label = lang === 'ja' ? tip.label_jp : tip.label_en;
          const desc = lang === 'ja' ? tip.desc_jp : tip.desc_en;
          // Coming-soon entries (GitHub Sponsors pending approval)
          // render as a non-clickable card with a "COMING SOON" pill
          // so the user sees the option is on the way but can't click
          // through to a non-functional link. When approval lands,
          // remove `comingSoon: true` from the TIP_LINKS entry — no
          // other changes needed.
          if (tip.comingSoon) {
            list.appendChild(el('div', {
              style: {
                display: 'block', padding: 'var(--tb-sp-2) var(--tb-sp-3)',
                background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
                borderLeft: '3px solid var(--tb-border)',
                color: 'var(--tb-text-soft)',
                opacity: '0.65', cursor: 'not-allowed',
              },
              title: t('overlay.tip.comingSoon.tooltip'),
            },
              el('div', { style: { fontWeight: '600',
                display: 'flex', alignItems: 'center', gap: '8px', flexWrap: 'wrap' } },
                el('span', null, tip.icon + ' ' + label),
                el('span', {
                  style: {
                    fontSize: '10px', fontWeight: '700',
                    letterSpacing: '0.08em', textTransform: 'uppercase',
                    padding: '2px 8px', borderRadius: '999px',
                    background: 'var(--tb-warn, #B97A1A)', color: '#fff',
                  },
                }, t('overlay.tip.comingSoon.badge')),
              ),
              el('div', { class: 'tb-card-meta', style: { marginTop: '2px' } }, desc),
            ));
            return;
          }
          list.appendChild(el('a', {
            href: tip.url,
            target: '_blank',
            rel: 'noopener noreferrer',
            style: {
              display: 'block', padding: 'var(--tb-sp-2) var(--tb-sp-3)',
              background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
              borderLeft: '3px solid var(--tb-accent, var(--tb-track-fx))',
              textDecoration: 'none', color: 'var(--tb-text)',
            },
          },
            el('div', { style: { fontWeight: '600' } }, tip.icon + ' ' + label + ' →'),
            el('div', { class: 'tb-card-meta', style: { marginTop: '2px' } }, desc),
          ));
        });
        host.appendChild(list);

        host.appendChild(el('p', {
          class: 'tb-field-help', style: { marginTop: 'var(--tb-sp-3)' },
        }, t('overlay.tip.thanks')));
      },
    });
  }

  // ─── Hash router ───────────────────────────────────────────────────
  // Single delegated click listener catches ANY <a href="#license">,
  // <a href="#changelog">, etc. — works for the static footer in
  // index.html, the dynamic About-card content, and any future place
  // these anchors get embedded.
  const HANDLERS = {
    '#license':   openLicense,
    '#changelog': openChangelog,
    '#feedback':  openFeedback,
    '#tip':       openTipJar,
  };

  document.addEventListener('click', (e) => {
    const a = e.target.closest('a[href]');
    if (!a) return;
    const href = a.getAttribute('href');
    const handler = HANDLERS[href];
    if (!handler) return;
    e.preventDefault();
    handler();
  });

  // Also respond to direct hash navigation (page-load with #license,
  // or programmatic hash changes). Use a small allowlist so other
  // hash routes (#dashboard, #profile, etc.) keep working.
  function handleHash() {
    const hash = window.location.hash;
    if (!hash) return;
    const handler = HANDLERS[hash];
    if (!handler) return;
    handler();
    // Clear the hash so closing the modal doesn't get the user stuck
    // — otherwise they'd have to manually edit the URL to reopen.
    try { history.replaceState(null, '', window.location.pathname + window.location.search); }
    catch (_) { /* old browsers — leave the hash */ }
  }
  window.addEventListener('hashchange', handleHash);
  if (document.readyState !== 'loading') {
    handleHash();
  } else {
    document.addEventListener('DOMContentLoaded', handleHash);
  }

  // Public API for programmatic open from anywhere (Settings, etc.)
  window.TB = window.TB || {};
  window.TB.aboutOverlays = {
    openLicense, openChangelog, openFeedback, openTipJar,
  };
})();

</script>

  <!-- Anti-tamper / forensic integrity check. Loaded last so all
       brand markers are in place by the time the boot routine runs.
       Surfaces a "Modified copy detected" banner when the LICENSE
       link, copyright footer, brand mark, or build-hash meta tags
       have been stripped — the most common signs of unauthorized
       republishing. Also installs a Facebook-style DevTools warning
       and captures a per-install forensic fingerprint into
       localStorage. None of this leaves the browser. -->
  <script data-source="scripts/integrity.js">
/* Taigan Bridge — integrity.js
 *
 * Runtime anti-tamper hardening. Single-file HTML apps are inherently
 * copyable — anyone with View Source can lift the bundle. The goal of
 * this module isn't to make copying impossible (which is unachievable
 * in any client-side tool) but to add enough friction that:
 *
 *   1. Lazy republishers who strip the LICENSE / brand and try to
 *      pass it off as their own product produce a copy that
 *      actively warns its users that something is wrong, and
 *   2. Forensic identification of leaked copies is possible from a
 *      single open file — the canary IDs in the HTML head, the
 *      build hash, and the runtime checks all triangulate.
 *
 * Three layers:
 *
 *   A. Brand integrity check — verifies that key brand markers
 *      (copyright footer, License link, build-hash meta tag,
 *      対岸 character in DOM) are present at boot. If anything is
 *      missing, surfaces a small "Modified copy detected" banner
 *      and logs to console. Sets TB.integrity.tampered = true.
 *
 *   B. Console deterrent — Facebook-style dev-tools warning that
 *      tells anyone opening DevTools they should NOT paste random
 *      code (also explains the licensing situation in plain language).
 *
 *   C. Forensic fingerprint — on first run, captures a fingerprint
 *      (build hash + canary IDs + first-load timestamp + browser
 *      family) into localStorage. Persists across reloads. This
 *      lets the user themselves see when their copy was first opened
 *      and from which build, in case they ever need to demonstrate
 *      provenance.
 *
 * Spread across multiple checks intentionally — a single grep-and-
 * delete on "integrity" doesn't disable everything. The CSS for the
 * tamper banner lives in base.css as .tb-tamper-banner.
 */
(function () {
  'use strict';

  // ─── A. Brand integrity check ─────────────────────────────────────
  // Each check returns { id, ok, detail } so the report can name
  // exactly what's missing without leaking the full set of markers
  // (a tamperer who reads the source still has to find each one in
  // the build to strip them; a forensic auditor can match the failed
  // checks against the source to identify which file was modified).
  const BRAND_CHECKS = [
    {
      id: 'copyright-footer',
      run: () => {
        // The page footer must contain the author attribution.
        // Stripping the © line is the most common branding-removal
        // move; this catches it.
        const footer = document.querySelector('.tb-footer');
        const ok = !!footer && /Eichhorn/i.test(footer.textContent);
        return { ok, detail: ok ? null : 'footer attribution missing' };
      },
    },
    {
      id: 'license-link',
      run: () => {
        // A link to the license must exist in the footer (or
        // elsewhere). Distributing without the LICENSE.md and the
        // link to it violates the license terms.
        const link = document.querySelector('a[href="#license"]');
        return { ok: !!link, detail: link ? null : 'license link missing' };
      },
    },
    {
      id: 'build-hash-meta',
      run: () => {
        // The build hash + version meta tags identify which release
        // a copy came from. Stripping them is a classic copy-and-
        // pretend-it's-yours tell.
        const v = document.querySelector('meta[name="tb-version"]');
        const h = document.querySelector('meta[name="tb-build-hash"]');
        const ok = !!v && !!h
          && (v.getAttribute('content') || '').trim() !== ''
          && (h.getAttribute('content') || '').trim() !== '';
        return { ok, detail: ok ? null : 'build identifiers missing' };
      },
    },
    {
      id: 'brand-mark-jp',
      run: () => {
        // The 対岸 brand character must appear in the brand block
        // in the header. This is the trademark-protected mark; its
        // removal is the surest sign that someone's tried to rebrand
        // the product.
        const brand = document.querySelector('.tb-brand');
        const ok = !!brand && /対岸/.test(brand.textContent);
        return { ok, detail: ok ? null : 'brand mark missing from header' };
      },
    },
    {
      id: 'disclaimer-banner',
      run: () => {
        // The "not financial advice" disclaimer is required by the
        // license. Hiding it is a liability shift — flag it.
        const banner = document.querySelector('.tb-disclaimer-banner');
        const ok = !!banner && /not\s+financial/i.test(banner.textContent);
        return { ok, detail: ok ? null : 'disclaimer banner missing or modified' };
      },
    },
  ];

  function runBrandIntegrity() {
    const results = BRAND_CHECKS.map((c) => {
      try {
        const r = c.run();
        return { id: c.id, ok: !!r.ok, detail: r.detail || null };
      } catch (e) {
        return { id: c.id, ok: false, detail: 'check threw: ' + (e.message || e) };
      }
    });
    const failed = results.filter((r) => !r.ok);
    return { ok: failed.length === 0, failed, all: results };
  }

  function showTamperBanner(failed) {
    // Insert at the very top of <body>, above the disclaimer banner
    // (or wherever — the CSS pins it visually). Idempotent: skip if
    // we've already inserted one.
    if (document.querySelector('.tb-tamper-banner')) return;
    const banner = document.createElement('div');
    banner.className = 'tb-tamper-banner';
    banner.setAttribute('role', 'alert');
    banner.innerHTML =
      '<strong>⚠ Modified copy detected.</strong> ' +
      'This appears to be a tampered or republished build of Taigan Bridge. ' +
      'The original is free at the source — accept no substitutes. ' +
      'Failed checks: ' + failed.map((f) => f.id).join(', ') + '.';
    if (document.body.firstChild) {
      document.body.insertBefore(banner, document.body.firstChild);
    } else {
      document.body.appendChild(banner);
    }
  }

  // ─── B. Console deterrent ─────────────────────────────────────────
  // Facebook / Google / Twitter all use this pattern. It's
  // surprisingly effective at discouraging the "someone DM'd me JS
  // to paste in DevTools" attack, and it doubles as a friendly
  // "hey, this is a copyrighted tool" signal to people exploring
  // the source.
  function installConsoleDeterrent() {
    if (typeof console === 'undefined') return;
    const styleBig = 'color: #B7472A; font-size: 28px; font-weight: 700;';
    const styleBody = 'color: #14181F; font-size: 13px; line-height: 1.5;';
    const styleMuted = 'color: #5C6470; font-size: 12px;';
    try {
      console.log('%c⚠  STOP', styleBig);
      console.log(
        '%cThis is the developer console for Taigan Bridge.\n' +
        'If someone told you to paste code here, they\'re trying to compromise your account.\n' +
        'Anything you paste runs with full access to your saved data, your Claude API key,\n' +
        'and your browser. Do not paste anything here unless you wrote it yourself.',
        styleBody,
      );
      console.log(
        '%cTaigan Bridge — © Benjamin Eichhorn. Free for personal use.\n' +
        'Source viewing OK. Republishing / commercial use / derivative works require\n' +
        'written permission. See the License modal in the footer for terms.\n' +
        'Contact: benjamin.eichhorn@gmail.com',
        styleMuted,
      );
    } catch (_) { /* old browsers — silent */ }
  }

  // ─── C. Forensic fingerprint ──────────────────────────────────────
  // Captured once per browser, never sent anywhere. Lives in
  // localStorage so the user can see (and we can ask them about) the
  // first-load record if a copy ever needs to be traced.
  function captureFingerprint() {
    try {
      const KEY = 'tb-integrity-fingerprint';
      const existing = localStorage.getItem(KEY);
      if (existing) return JSON.parse(existing);
      const v = (document.querySelector('meta[name="tb-version"]') || {}).content || '';
      const h = (document.querySelector('meta[name="tb-build-hash"]') || {}).content || '';
      const d = (document.querySelector('meta[name="tb-build-date"]') || {}).content || '';
      // Pull any canary IDs from the HTML comment in <head>. They live
      // in a structured comment block injected by tools/canary.js;
      // grab the first three uuid-shaped tokens we find.
      const canaries = [];
      try {
        const html = document.documentElement.outerHTML.slice(0, 8000);
        const matches = html.match(/[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12}/gi) || [];
        for (let i = 0; i < Math.min(3, matches.length); i++) canaries.push(matches[i]);
      } catch (_) { /* ignore */ }
      const fp = {
        first_loaded_at: new Date().toISOString(),
        build_version: v,
        build_hash: h,
        build_date: d,
        canaries,
        ua_family: detectUaFamily(),
        // No personally-identifying data captured — we deliberately
        // skip the full UA string, screen size, fonts, etc. The point
        // is to tag THIS install at THIS build, not to fingerprint
        // the user.
      };
      localStorage.setItem(KEY, JSON.stringify(fp));
      return fp;
    } catch (_) {
      return null;
    }
  }
  function detectUaFamily() {
    const ua = (navigator.userAgent || '').toLowerCase();
    if (ua.indexOf('firefox') !== -1)               return 'firefox';
    if (ua.indexOf('edg/') !== -1)                  return 'edge';
    if (ua.indexOf('chrome') !== -1)                return 'chromium';
    if (ua.indexOf('safari') !== -1)                return 'safari';
    return 'other';
  }

  // ─── Boot ─────────────────────────────────────────────────────────
  function boot() {
    installConsoleDeterrent();
    const fp = captureFingerprint();
    const integrity = runBrandIntegrity();
    if (!integrity.ok) {
      try { showTamperBanner(integrity.failed); } catch (_) { /* don't break the app */ }
      try {
        console.warn(
          '[Taigan Bridge] integrity check failed:',
          integrity.failed.map((f) => f.id + (f.detail ? ' (' + f.detail + ')' : '')).join(', '),
        );
      } catch (_) { /* ignore */ }
    }
    window.TB = window.TB || {};
    window.TB.integrity = {
      tampered: !integrity.ok,
      checks: integrity.all,
      fingerprint: fp,
      // Re-run on demand (e.g., after a module re-renders the footer).
      recheck: () => runBrandIntegrity(),
    };
  }

  if (document.readyState === 'loading') {
    document.addEventListener('DOMContentLoaded', boot);
  } else {
    boot();
  }
})();

</script>

  <!-- Demo / sample-data mode. Lets new visitors load a complete
       fictional household with one click to evaluate the tool
       without entering real numbers. Self-installs a sticky "DEMO
       DATA" banner whenever the loaded state carries the demo
       marker, so screenshots never misrepresent fiction as real
       records. -->
  <script data-source="scripts/sample-data.js">
/* Taigan Bridge — sample-data.js
 *
 * Demo / evaluation mode. Builds a complete, plausible Taigan Bridge
 * state for a fictional household and loads it via TB.state.import(),
 * which routes through the same migration + persistence path as a
 * real backup restore.
 *
 * Two distinct profiles ship in the demo loader so prospective users
 * can pick the one closer to their own situation:
 *
 *   • 'sofa'     — SOFA contractor + JP spouse + dual-citizen children.
 *                  Surfaces the SOFA Roth Planner, Veteran module,
 *                  spouse-handles JP-side tax flow, PFIC trap.
 *   • 'resident' — Long-term Japan resident (work visa → permanent
 *                  resident), files own 確定申告, has NHI, no veteran
 *                  background, kid already out of household.
 *
 * IMPORTANT — DATA HYGIENE:
 * Every named entity in this file (clinic names, addresses, phone
 * numbers, CPA firms, doctor names) is a PLACEHOLDER. Real Japan
 * addresses, real clinic names, and real firm names have been
 * scrubbed in favor of obviously-fictional "Sample…" / "Demo…" /
 * placeholder-zip / "XXXX" phone formats. The author's own household
 * data is never reflected here.
 *
 * Loading is destructive — confirms with the user, then overwrites
 * existing state and reloads. A floating "DEMO DATA — not your real
 * records" banner appears at the top of the page after load.
 *
 * Public API:
 *   TB.sampleData.PROFILES                     — { id, label_en, label_jp, desc_en, desc_jp }[]
 *   TB.sampleData.buildSampleState(profileId)  — returns the state JSON (no I/O)
 *   TB.sampleData.loadInteractive()            — opens the profile-picker modal
 *   TB.sampleData.loadProfile(profileId)       — confirm + load + reload
 *   TB.sampleData.isDemoActive()               — true when demo data is loaded
 *   TB.sampleData.activeProfile()              — id of the loaded demo, or null
 *   TB.sampleData.exit()                       — wipes the demo + reloads
 */
(function () {
  'use strict';

  // ─── Profile catalog ──────────────────────────────────────────────
  const PROFILES = [
    {
      id: 'sofa',
      label_en: 'SOFA contractor household',
      label_jp: 'SOFA 契約者世帯',
      desc_en: 'DoD contractor in Tokyo, JP-national spouse, two dual-citizen children, ' +
               '20-year military retiree, planning to transition out of SOFA next year. ' +
               'Surfaces the SOFA Roth Planner, Veteran module, spouse-handles JP-side ' +
               'tax flow, and a PFIC trap from a JP iDeCo holding.',
      desc_jp: '東京の DoD 契約者、日本人配偶者、日米二重国籍の子2人、20 年勤続の退役軍人で、' +
               '来年 SOFA から離脱予定の世帯です。SOFA Roth プランナー・退役軍人モジュール・' +
               '配偶者が日本側を担当する税務フロー・iDeCo 保有による PFIC トラップを確認できます。',
    },
    {
      id: 'resident',
      label_en: 'Long-term resident household',
      label_jp: '長期居住者世帯',
      desc_en: 'US software engineer in Yokohama, 12 years in Japan, work visa converted to ' +
               'Permanent Resident, JP-national spouse, adult child already in the US. ' +
               'Files own 確定申告, enrolled in NHI, owns inherited JP home outright, ' +
               'no military background, approaching retirement.',
      desc_jp: '横浜在住の米国人ソフトウェアエンジニア、日本居住 12 年、就労ビザから永住者に切替済み。' +
               '日本人配偶者あり、成人した子は米国在住。確定申告は本人が行い、国民健康保険加入、' +
               '相続した日本の自宅をローンなしで所有、軍歴なし、退職が視野に入った世帯です。',
    },
    {
      id: 'retiree',
      label_en: 'Retired American in Japan',
      label_jp: '日本在住の米国人退職者',
      desc_en: 'Retired US engineer in Kamakura, age 73, 18 years in Japan, Permanent Resident. ' +
               'Drawing Social Security since FRA, taking RMDs from Traditional IRA, paid-off ' +
               'JP home, both US + JP wills executed. Surfaces Decumulation deeply (RMD + SS + ' +
               'JP pension), Medicare Part A enrolled / Part B declined, IRMAA tracking, and ' +
               'urgent Estate planning given the 10-year worldwide-asset clock.',
      desc_jp: '鎌倉在住の退職した米国人エンジニア、73 歳、日本居住 18 年、永住者。FRA から社会保障受給開始、' +
               'Traditional IRA で RMD 中、住宅ローン完済、日米両方の遺言執行済み。Decumulation モジュール' +
               '(RMD・SS・年金)、Medicare A 加入/B 辞退、IRMAA 追跡、10 年全世界資産時計に伴う緊急の相続計画を' +
               '確認できます。',
    },
    {
      id: 'active_mil',
      label_en: 'Active duty military, JP spouse',
      label_jp: '現役米軍 + 日本人配偶者',
      desc_en: 'Active duty US Army E-5 stationed in Japan, age 32, JP-national spouse, no ' +
               'children yet. Lives on base, modest assets, building wealth from scratch. ' +
               'Pre-住民票, considering future Roth conversion timing. Surfaces SOFA Roth ' +
               'Planner (active not transitioning), TRICARE active duty, no PFIC traps ' +
               '(deliberately empty JP investments), and the early-career planning angle.',
      desc_jp: '日本駐留の現役米陸軍 E-5、32 歳、日本人配偶者あり、子供はまだなし。基地内居住、' +
               '資産は控えめで蓄積中。住民票未登録、将来の Roth 変換タイミングを検討中。' +
               'SOFA Roth プランナー(現役・離脱前)・TRICARE 現役・PFIC リスクなし(意図的に日本投資なし)・' +
               'キャリア初期の資産形成という観点を確認できます。',
    },
  ];

  // ─── Shared helpers ───────────────────────────────────────────────
  function isoDateYearsAgo(years) {
    const d = new Date();
    d.setFullYear(d.getFullYear() - years);
    return d.toISOString().slice(0, 10);
  }
  function isoDateMonthsAhead(months) {
    const d = new Date();
    d.setMonth(d.getMonth() + months);
    return d.toISOString().slice(0, 10);
  }
  function isoDateNow() { return new Date().toISOString(); }
  function uuid(prefix) {
    return prefix + '-' + Date.now().toString(36) + '-' +
      Math.random().toString(36).slice(2, 8);
  }

  // ─── Profile A: SOFA contractor household ─────────────────────────
  function buildSofaProfile() {
    const now = isoDateNow();
    const thisYear = new Date().getFullYear();
    const lastYear = thisYear - 1;

    // Clearly fictional names. "Sample-mura" + placeholder zip
    // 100-0000 + "03-XXXX-XXXX" phone format make the address /
    // phone obviously not real.
    const HH = {
      primary:  { name_en: 'Alex Sample',  name_jp: 'アレックス サンプル', birth_year: 1979 },
      spouse:   { name_en: 'Yuki Sample',  name_jp: 'サンプル 結希',       birth_year: 1981 },
      child1:   { name_en: 'Mia Sample',   name_jp: 'ミア サンプル',        birth_year: 2014 },
      child2:   { name_en: 'Ken Sample',   name_jp: 'サンプル 健',          birth_year: 2018 },
    };

    const idAlex = 'fam-alex', idYuki = 'fam-yuki', idMia = 'fam-mia', idKen = 'fam-ken';
    const acctSchwab    = 'acct-schwab-brokerage';
    const acctVanguard  = 'acct-vanguard-roth';
    const acctTsp       = 'acct-tsp';
    const acctHsa       = 'acct-hsa';
    const acctSony      = 'acct-sony-bank';
    const acctYokohama  = 'acct-yokohama-bank';
    const acctIdeco     = 'acct-ideco';

    return {
      version: 4,
      _demo: { loaded_at: now, profile: 'sofa',
        household: HH.primary.name_en + ' / ' + HH.spouse.name_en },
      profile: {
        displayName:   HH.primary.name_en,
        displayNameJa: HH.primary.name_jp,
      },
      onboarding: {
        complete: true, completedAt: now,
        answers: {
          display_name: HH.primary.name_en, display_name_ja: HH.primary.name_jp,
          birth_year: String(HH.primary.birth_year),
          biological_sex: 'male',
          citizenship: 'us_only',
          in_japan: 'yes', years_in_japan: '5_to_10',
          visa: 'sofa', employment: 'dod_contractor',
          veteran: 'retired', separation_date: isoDateYearsAgo(8),
          tax_status: 'sofa_no_file', non_sofa_jp_income: 'no',
          family: ['jp_spouse', 'dual_children'],
          real_estate: 'yes', real_estate_use: 'primary',
          jp_filing_responsibility: 'spouse',
          healthcare_coverage: ['tricare', 'private_intl'],
          retirement_horizon: '5_15y',
          fx_platforms: ['wise', 'sony_bank', 'broker'],
          ai_consent: 'per_call',
          consultations_history: 'cpa_us_intl',
          pfic_holdings: 'yes_some',
          dual_children_age_band: 'all_under_18',
          medicare_status: 'not_yet',
          renunciation_status: 'never',
        },
      },
      tracks: ['sofa', 'veteran', 'family', 'property'],
      modules: { unlocked: [] },

      assets: {
        accounts: [
          { id: acctSchwab, institution: 'Charles Schwab', name: 'Joint Brokerage',
            country: 'US', tax_wrapper: 'taxable_brokerage', currency: 'USD',
            balance_native: 285000, basis_native: 210000,
            notes: 'Long-term hold, broad-market index funds.',
            updated_at: now, active: true, include_in_sofa: true,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en + ' (POD)',
            account_number_last4: '0001',
            allocation: { equity_us: 0.7, equity_intl: 0.2, bond: 0.05, cash: 0.05, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
          { id: acctVanguard, institution: 'Vanguard', name: 'Roth IRA',
            country: 'US', tax_wrapper: 'roth_ira', currency: 'USD',
            balance_native: 142000, basis_native: null, notes: '',
            updated_at: now, active: true, include_in_sofa: true,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en + ' (primary), kids (contingent)',
            account_number_last4: '0002',
            allocation: { equity_us: 0.8, equity_intl: 0.15, bond: 0.05, cash: 0, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
          { id: acctTsp, institution: 'Thrift Savings Plan', name: 'TSP — military',
            country: 'US', tax_wrapper: 'traditional_401k_tsp', currency: 'USD',
            balance_native: 318000, basis_native: null,
            notes: 'Held from 20-year service. Considering rollover.',
            updated_at: now, active: true, include_in_sofa: true,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '0003',
            allocation: { equity_us: 0.6, equity_intl: 0.3, bond: 0.1, cash: 0, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
          { id: acctHsa, institution: 'Fidelity', name: 'HSA',
            country: 'US', tax_wrapper: 'hsa', currency: 'USD',
            balance_native: 38500, basis_native: null,
            notes: 'Triple-tax-advantaged. Invested.',
            updated_at: now, active: true, include_in_sofa: true,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '0004',
            allocation: { equity_us: 0.9, equity_intl: 0, bond: 0.1, cash: 0, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
          { id: acctSony, institution: 'Sony Bank', name: '普通預金 (savings)',
            country: 'JP', tax_wrapper: 'jp_savings', currency: 'JPY',
            balance_native: 4_250_000, basis_native: null,
            notes: 'Household expenses + utilities.',
            updated_at: now, active: true, include_in_sofa: true,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '0005',
            allocation: { equity_us: 0, equity_intl: 0, bond: 0, cash: 1, real_estate: 0, alternative: 0 },
            fbar_account_id: 'fbar-acct-sony' },
          { id: acctYokohama, institution: '横浜銀行 (Yokohama Bank)', name: '普通預金',
            country: 'JP', tax_wrapper: 'jp_checking', currency: 'JPY',
            balance_native: 1_120_000, basis_native: null,
            notes: 'Joint emergency reserve.',
            updated_at: now, active: true, include_in_sofa: true,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '0006',
            allocation: { equity_us: 0, equity_intl: 0, bond: 0, cash: 1, real_estate: 0, alternative: 0 },
            fbar_account_id: 'fbar-acct-yokohama' },
          { id: acctIdeco, institution: '楽天証券 (Rakuten Securities)',
            name: 'iDeCo (個人型確定拠出年金)',
            country: 'JP', tax_wrapper: 'other', currency: 'JPY',
            balance_native: 880_000, basis_native: 700_000,
            notes: '⚠ PFIC under US tax law. Form 8621 obligation. Consult CPA.',
            updated_at: now, active: true, include_in_sofa: false,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '0007',
            allocation: { equity_us: 0, equity_intl: 0.7, bond: 0.3, cash: 0, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
        ],
        target_allocation: null,
        snapshots: [{
          id: uuid('snap'), taken_at: isoDateYearsAgo(1),
          label: lastYear + ' year-end',
          total_usd: 765000,
          allocation: { equity_us: 0.62, equity_intl: 0.18, bond: 0.08, cash: 0.12, real_estate: 0, alternative: 0 },
          accounts: [],
        }],
      },
      fbar: {
        filers: [{
          id: 'fbar-filer-alex', name_en: HH.primary.name_en, name_jp: HH.primary.name_jp,
          ssn_last4: '0001', dob: HH.primary.birth_year + '-04-15', relationship: 'self',
          isMinor: false, isUSPerson: true,
          filing_address: '1-1-1 Sample-machi, Sample-ku, Tokyo 100-0000, JAPAN',
          notes: '',
        }],
        accounts: [
          { id: 'fbar-acct-sony', filer_ids: ['fbar-filer-alex'],
            account_type: 'savings', institution_name: 'Sony Bank',
            institution_address: '1-1-1 Sample, Minato-ku, Tokyo, JAPAN',
            account_number_masked: '*******0005', account_number_full: 'DEMO000000005',
            currency: 'JPY', country: 'JP',
            opened_year: thisYear - 6, closed_year: null,
            signatory_only: false, notes: 'Primary household JPY account.' },
          { id: 'fbar-acct-yokohama', filer_ids: ['fbar-filer-alex'],
            account_type: 'checking', institution_name: '横浜銀行 (Yokohama Bank)',
            institution_address: '1-1-1 Sample, Naka-ku, Yokohama, JAPAN',
            account_number_masked: '*******0006', account_number_full: 'DEMO000000006',
            currency: 'JPY', country: 'JP',
            opened_year: thisYear - 5, closed_year: null,
            signatory_only: false, notes: '' },
        ],
        yearly_balances: [
          { id: uuid('fb-bal'), account_id: 'fbar-acct-sony',
            year: lastYear, max_balance_native: 5_200_000, max_balance_date: lastYear + '-07-15',
            fx_rate_used: 149.50, fx_rate_source: 'Treasury', fx_rate_overridden: false,
            max_balance_usd: Math.round(5200000 / 149.50), notes: '' },
          { id: uuid('fb-bal'), account_id: 'fbar-acct-yokohama',
            year: lastYear, max_balance_native: 1_650_000, max_balance_date: lastYear + '-06-30',
            fx_rate_used: 149.50, fx_rate_source: 'Treasury', fx_rate_overridden: false,
            max_balance_usd: Math.round(1650000 / 149.50), notes: '' },
          { id: uuid('fb-bal'), account_id: 'fbar-acct-sony',
            year: thisYear, max_balance_native: 4_900_000, max_balance_date: thisYear + '-03-10',
            fx_rate_used: 158.00, fx_rate_source: 'Treasury', fx_rate_overridden: false,
            max_balance_usd: Math.round(4900000 / 158.00), notes: '' },
          { id: uuid('fb-bal'), account_id: 'fbar-acct-yokohama',
            year: thisYear, max_balance_native: 1_280_000, max_balance_date: thisYear + '-02-20',
            fx_rate_used: 158.00, fx_rate_source: 'Treasury', fx_rate_overridden: false,
            max_balance_usd: Math.round(1280000 / 158.00), notes: '' },
        ],
        filing_history: [{
          id: uuid('fb-file'), filer_id: 'fbar-filer-alex', year: lastYear,
          filed_on: thisYear + '-04-10',
          bsa_id: 'BSA-' + lastYear + '-DEMO-0001',
          method: 'self-filed BSA E-Filing',
          notes: 'Filed early, well ahead of Apr 15 deadline.',
        }],
      },
      family: {
        members: [
          { id: idAlex, relationship: 'self',
            name_en: HH.primary.name_en, name_jp: HH.primary.name_jp,
            birth_date: HH.primary.birth_year + '-04-15',
            citizenships: ['US'], jp_resident: true, ssn_or_itin: 'ssn',
            passport_us: { number_last4: '0001', expires: isoDateMonthsAhead(38), renewed_at: isoDateYearsAgo(2) },
            passport_jp: { number_last4: '', expires: null, renewed_at: null },
            nationality_choice_made: null, notes: '',
            created_at: now, updated_at: now },
          { id: idYuki, relationship: 'spouse',
            name_en: HH.spouse.name_en, name_jp: HH.spouse.name_jp,
            birth_date: HH.spouse.birth_year + '-09-02',
            citizenships: ['JP'], jp_resident: true, ssn_or_itin: 'itin',
            passport_us: { number_last4: '', expires: null, renewed_at: null },
            passport_jp: { number_last4: '0002', expires: isoDateMonthsAhead(22), renewed_at: isoDateYearsAgo(3) },
            nationality_choice_made: null, is_emergency_contact: true,
            notes: 'Files her own 確定申告, 住民税, ふるさと納税.',
            created_at: now, updated_at: now },
          { id: idMia, relationship: 'child',
            name_en: HH.child1.name_en, name_jp: HH.child1.name_jp,
            birth_date: HH.child1.birth_year + '-06-12',
            citizenships: ['US', 'JP'], jp_resident: true, ssn_or_itin: 'ssn',
            passport_us: { number_last4: '0003', expires: isoDateMonthsAhead(9), renewed_at: isoDateYearsAgo(4) },
            passport_jp: { number_last4: '0004', expires: isoDateMonthsAhead(11), renewed_at: isoDateYearsAgo(4) },
            nationality_choice_made: null, notes: '',
            created_at: now, updated_at: now },
          { id: idKen, relationship: 'child',
            name_en: HH.child2.name_en, name_jp: HH.child2.name_jp,
            birth_date: HH.child2.birth_year + '-11-20',
            citizenships: ['US', 'JP'], jp_resident: true, ssn_or_itin: 'ssn',
            passport_us: { number_last4: '0005', expires: isoDateMonthsAhead(28), renewed_at: isoDateYearsAgo(2) },
            passport_jp: { number_last4: '0006', expires: isoDateMonthsAhead(31), renewed_at: isoDateYearsAgo(2) },
            nationality_choice_made: null, notes: '',
            created_at: now, updated_at: now },
        ],
        renunciation: { contemplating: false, target_year: null,
          consultation_complete: false, estimated_net_worth_usd: null,
          estimated_avg_tax_5y_usd: null, notes: '' },
        gifts_log: [
          { id: uuid('gift'), year: lastYear, recipient_id: idMia, amount_jpy: 1_000_000,
            vehicle: '暦年贈与', notes: 'Annual 110万 within tax-free 暦年贈与.' },
          { id: uuid('gift'), year: lastYear, recipient_id: idKen, amount_jpy: 1_000_000,
            vehicle: '暦年贈与', notes: 'Annual 110万 within tax-free 暦年贈与.' },
        ],
      },
      veteran: {
        service: {
          branch: 'air_force', component: 'active',
          entry_date: (HH.primary.birth_year + 18) + '-07-01',
          discharge_date: isoDateYearsAgo(8),
          discharge_type: 'honorable',
          final_rank: 'TSgt (E-6)', mos_rating: '3D0X2 — Cyber Systems Operations',
          retired: true,
        },
        disability: {
          overall_rating_pct: 30, monthly_compensation_usd: 537,
          individual_unemployability: false,
          last_evaluation_date: isoDateYearsAgo(2),
          conditions: [
            { id: uuid('cond'), name: 'Tinnitus', rating_pct: 10, service_connected: true, effective_date: isoDateYearsAgo(8) },
            { id: uuid('cond'), name: 'Lumbar strain', rating_pct: 20, service_connected: true, effective_date: isoDateYearsAgo(8) },
          ],
        },
        healthcare: { tricare_eligible: true, tricare_plan: 'overseas', fmp_enrolled: true, chappy_17: false },
        education: { benefit_type: 'post_911', months_remaining: 12, expiration_date: null, transferred: true },
        survivor: { sgli_amount: null, vgli_amount: 400000 },
        dd214Stored: true, vaRating: 30,
        notes: 'Retired E-6 with 20 years service. SBP elected at full base.',
      },
      property: {
        properties: [
          { id: uuid('prop'),
            label: 'Tokyo condo (primary residence)',
            country: 'JP', currency: 'JPY', type: 'primary_residence',
            purchase_date: isoDateYearsAgo(4),
            purchase_price_native: 78_000_000, current_value_native: 92_000_000,
            address: '1-1-1 Sample-machi, Sample-ku, Tokyo 100-0000',
            square_meters: 82, structure_type: 'rc',
            mortgage_balance_native: 54_000_000, mortgage_rate_pct: 0.65, mortgage_remaining_years: 26,
            annual_property_tax_native: 165000, annual_city_tax_native: 22000,
            annual_insurance_native: 38000, monthly_maintenance_native: 28000,
            rental_status: null, monthly_rent_native: null, annual_rental_expenses_native: null,
            depreciation_started_year: null, depreciation_basis_native: null,
            planned_sale_year: null, lived_2_of_5_years: null,
            is_residential_for_inheritance: true,
            notes: '住宅ローン控除 active — 13-year remaining.',
            created_at: now },
          { id: uuid('prop'),
            label: 'Inherited US rental (Florida)',
            country: 'US', currency: 'USD', type: 'rental',
            purchase_date: isoDateYearsAgo(3),
            purchase_price_native: 0, current_value_native: 295000,
            address: '100 Sample St, Demo City, FL 00000',
            square_meters: null, structure_type: null,
            mortgage_balance_native: 0, mortgage_rate_pct: 0, mortgage_remaining_years: 0,
            annual_property_tax_native: 4200, annual_city_tax_native: 0,
            annual_insurance_native: 2800, monthly_maintenance_native: 0,
            rental_status: 'rented', monthly_rent_native: 2400, annual_rental_expenses_native: 8500,
            depreciation_started_year: thisYear - 3, depreciation_basis_native: 268000,
            planned_sale_year: null, lived_2_of_5_years: false,
            is_residential_for_inheritance: false,
            notes: 'Inherited from parent. Step-up basis. Managed by local property mgr.',
            created_at: now },
        ],
        preferences: { show_summary_currency: 'usd' },
      },
      resident: {
        residency: { arrival_date: isoDateYearsAgo(6), juminhyo_date: null,
          visa_status: null, permanent_residency: false, pr_application_filed: null },
        furusato: { prior_year_income_jpy: null, prior_year_dependents: 0, donations_planned_jpy: 0 },
        mortgage: { has_jp_mortgage: true, purchase_year: thisYear - 4,
          loan_balance_jpy: 54_000_000, loan_type: 'standard' },
        nhi: { enrolled: false, prior_year_assessment_jpy: null },
      },
      healthcare: {
        medicare: { enrolled_a: false, enrolled_b: false, enrolled_d: false,
          part_b_premium_monthly_usd: null, part_b_decision: null,
          part_b_decision_notes: '', irmaa_tier: null },
        ltc: { applies: false, care_level: null, monthly_premium_jpy: null, funding_strategy_notes: '' },
        end_of_life: { organ_donor_us: true, organ_donor_jp: true,
          dnr_preference: 'limited',
          funeral_preference_notes: 'Cremation preferred. Small family service in Tokyo.' },
        private: { type: 'cigna_intl', custom_name: '',
          monthly_premium_usd: 850, monthly_premium_jpy: null,
          employer_paid: 'fully',
          notes: 'Employer-paid international plan. Covers JP + global.' },
        monthly_budget: { nhi_jpy: null, shi_jpy: null,
          tricare_usd: 0, medicare_b_usd: null, medicare_d_usd: null,
          ltc_jpy: null, private_us_usd: 850, notes: '' },
        coverage_types: ['tricare', 'private_intl'],
      },
      health_tracker: {
        exams: [{
          id: uuid('exam'),
          date: isoDateMonthsAhead(-3).slice(0, 10),
          type: 'physical',
          provider: 'Dr. Sample Physician',
          facility: 'Sample Medical Clinic Tokyo',
          location: 'Tokyo',
          vitals: { weight_kg: 78.2, height_cm: 178, bp_systolic: 122, bp_diastolic: 78,
            heart_rate_bpm: 64, temp_c: 36.5, respiratory_rate: 14, spo2_pct: 98, bmi: 24.7 },
          lab_results: [
            { name: 'Total Cholesterol', value: 188, unit: 'mg/dL', range_low: 0, range_high: 200, flag: 'normal' },
            { name: 'LDL', value: 112, unit: 'mg/dL', range_low: 0, range_high: 100, flag: 'high' },
            { name: 'HDL', value: 52, unit: 'mg/dL', range_low: 40, range_high: 999, flag: 'normal' },
            { name: 'Fasting Glucose', value: 94, unit: 'mg/dL', range_low: 70, range_high: 99, flag: 'normal' },
            { name: 'HbA1c', value: 5.4, unit: '%', range_low: 0, range_high: 5.6, flag: 'normal' },
          ],
          diagnoses: ['Borderline LDL — diet + exercise watch'],
          procedures: ['CMP', 'Lipid panel', 'A1c'],
          followup: 'Recheck lipids in 6 months.',
          notes: 'Annual physical. Cleared for full activity.',
        }],
        medications: [{
          id: uuid('med'), name: 'Vitamin D3', generic_name: 'cholecalciferol',
          dosage: 2000, dosage_unit: 'IU', frequency: 'daily', route: 'oral',
          started_date: isoDateYearsAgo(2), ended_date: null,
          prescriber: 'OTC', pharmacy: '', refills_remaining: null, next_refill_date: null,
          purpose: 'Supplementation', side_effects: '', notes: '',
        }],
        care_plan: {
          primary_concerns: [],
          annual_goals: [{ id: uuid('goal'), text: 'Get LDL under 100 mg/dL by year-end',
            target_date: thisYear + '-12-31', status: 'active' }],
          preventive_screenings_due: [{ id: uuid('scr'), name: 'Colonoscopy',
            due_date: isoDateMonthsAhead(8), last_done: null,
            interval_years: 10, notes: 'First one, age 45+' }],
          specialist_referrals: [], next_appointments: [],
        },
        dental: {
          last_cleaning: isoDateMonthsAhead(-2).slice(0, 10),
          last_xrays: isoDateMonthsAhead(-2).slice(0, 10),
          last_perio: isoDateMonthsAhead(-2).slice(0, 10),
          dentist: 'Dr. Sample Dentist',
          clinic: 'Sample Dental Clinic',
          procedures: [{
            id: uuid('dp'), date: isoDateMonthsAhead(-2).slice(0, 10),
            type: 'cleaning', tooth_number: null,
            notes: 'Routine 3-month cleaning + scaling.',
            cost_native: 4500, currency: 'JPY',
          }],
          issues_tracked: [],
          providers: [{
            id: uuid('dprov'),
            name_en: 'Sample Dental Clinic',
            name_jp: 'サンプル歯科クリニック',
            type: 'dental',
            address: '1-1-1 Sample-machi, Sample-ku, Tokyo 100-0000',
            phone: '03-XXXX-XXXX',
            email: '', website: 'https://sample-dental.example.jp',
            hours: 'Mon-Fri 10:00-19:00 · Sat 9:00-13:00',
            notes: '', ai_enriched_at: null,
            created_at: now,
          }],
          appointments: [], notes_log: [], teeth: {},
          periodontal: { pockets_4mm_pct: 6, bleeding_on_probing_pct: 4, mobile_teeth: 0 },
        },
        insurance_summary: {
          primary_plan: 'TRICARE Select Overseas',
          member_id_last4: '0001',
          bin: '', pcp_name: '', pcp_phone: '',
          notes: 'Active duty retiree dependent coverage.',
          cards: [{
            id: uuid('card'), card_type: 'medical', label: 'TRICARE',
            insurer: 'TRICARE', plan_name: 'Select Overseas',
            network_type: 'overseas', coverage_type: 'medical',
            member_name: HH.primary.name_en,
            member_id_last4: '0001', group_number: '',
            effective_date: isoDateYearsAgo(8), expiry_date: null,
            customer_service_phone: '+81-3-XXXX-XXXX',
            member_services_phone: '', claims_phone: '',
            pcp_name: '', pcp_phone: '',
            claims_website: 'https://tricare.mil/overseas',
            claims_address: '',
            notes: 'International SOS for emergencies.',
          }],
        },
        preferences: { units: 'metric', track_trends: true, default_lab_panel: 'cmp' },
        episodes: [], invoices: [],
        ui_state: { active_tab: 'dashboard' },
      },
      sofa: {
        profile: {
          role: 'dod_contractor', sofa_status: 'transitioning',
          separation_date: isoDateMonthsAhead(8),
          jp_residency_plan: 'stay',
          juminhyou_target_date: isoDateMonthsAhead(10),
          filing_status: 'mfs',
          spouse_us_person: 'no', has_minor_children: 'yes',
          notes: 'Planning to register 住民票 after SOFA ends. Roth conversion window is the priority.',
        },
        tax_assumptions: { us_marginal_pct: 24, us_ltcg_pct: 15,
          jp_marginal_pct: 33, jp_ltcg_pct: 20.315 },
        steps: [],
        acks: { disclaimer_version: 'v0.3.0', consulted_cpa: true, consulted_cpa_at: isoDateMonthsAhead(-4) },
      },
      projections: defaultProjectionsForAge(thisYear - HH.primary.birth_year, 'mfs', 168000, 4500, 60),
      decumulation: {
        retirement_horizon: '5_15y',
        ss_claiming: { chosen_age: 70, estimated_monthly_at_chosen_age_usd: 4500,
          spouse_strategy: 'individual', notes: 'Plan to delay to 70 for maximum benefit.' },
        jp_pension: { kokumin_nenkin_years: null, kosei_nenkin_years: null,
          kosei_estimated_monthly_jpy: null, kokumin_estimated_monthly_jpy: null,
          has_japan_coverage_certificate: true,
          notes: 'SOFA status — covered by US SS via totalization agreement.' },
        withdrawal: { jp_resident_at_retirement: true, preferred_strategy: 'tax_diversified', notes: '' },
        rmd_planning: { convert_pre_rmd: true, qcd_planned: null, notes: '' },
      },
      tax_coordinator: {
        filing_status: 'mfs', feie_or_ftc_choice: 'ftc',
        jp_filing_responsibility: 'spouse',
        preparer: {
          name: 'Pat Demo, CPA (Sample Expat Tax)',
          contact: 'pat@example.com',
          notes: 'International / expat focus. Reviewed PFIC + FBAR last year.',
          next_appointment: isoDateMonthsAhead(4),
        },
        manual_overrides: {
          has_pfic: true, has_foreign_corp: false,
          self_employed: false, paid_jp_tax_prior_year: false,
          has_non_sofa_jp_income: false,
        },
        forms_filed_history: { [lastYear]: ['1040', '1116', 'fbar', '8621'] },
        notes: 'PFIC obligation = iDeCo holding. Filed 8621 with QEF election last year.',
      },
      estate: {
        status: {
          last_beneficiary_review: isoDateYearsAgo(1),
          last_will_review: isoDateYearsAgo(2),
          will_us_status: 'signed', will_jp_status: 'drafted',
          executor_us: HH.spouse.name_en, executor_jp: HH.spouse.name_en,
          notes: 'US will current. JP 公正証書 遺言 in progress with local 司法書士.',
        },
        beneficiaries: { overrides: {} },
        letter_of_instruction: {
          funeral_preferences: 'Cremation. Small family service in Tokyo. No religious ceremony.',
          pet_instructions: 'Family cat — spouse handles.',
          digital_accounts_note: 'Master password in physical safe at home. Spouse has combination.',
          important_contacts: [
            { name: 'Pat Demo, CPA', relationship: 'tax professional', role: 'CPA', contact: 'pat@example.com' },
          ],
          additional_notes: '', last_generated: null,
        },
        jp_inheritance_assumptions: {
          expects_kominka: false, expects_business_succession: false,
          has_jp_real_estate_residence: true,
          estimated_other_jp_assets_jpy: null, estimated_other_us_assets_usd: null,
        },
      },
      documentVault: {
        items: [
          { id: uuid('doc'), category: 'identification', type: 'passport_us',
            title: 'US Passport — ' + HH.primary.name_en,
            person_name: HH.primary.name_en, issuing_authority: 'US Dept of State',
            issue_date: isoDateYearsAgo(2), expiry_date: isoDateMonthsAhead(38),
            reference_number_last4: '0001', storage_location: 'Home safe — top shelf',
            notes: '', created_at: now, updated_at: now },
          { id: uuid('doc'), category: 'estate', type: 'will',
            title: 'US Will (executed)',
            person_name: HH.primary.name_en, issuing_authority: 'Maryland',
            issue_date: isoDateYearsAgo(2), expiry_date: null,
            reference_number_last4: '', storage_location: 'Home safe + attorney copy',
            notes: '', created_at: now, updated_at: now },
          { id: uuid('doc'), category: 'military_sofa', type: 'dd214',
            title: 'DD-214', person_name: HH.primary.name_en,
            issuing_authority: 'USAF', issue_date: isoDateYearsAgo(8), expiry_date: null,
            reference_number_last4: '', storage_location: 'Home safe',
            notes: '', created_at: now, updated_at: now },
          { id: uuid('doc'), category: 'tax', type: 'tax_return_us',
            title: lastYear + ' Form 1040 (filed)',
            person_name: HH.primary.name_en, issuing_authority: 'IRS',
            issue_date: thisYear + '-04-10', expiry_date: null,
            reference_number_last4: '', storage_location: 'Cloud — Google Drive / Taxes folder',
            notes: '', created_at: now, updated_at: now },
        ],
      },
      consultations: {
        professionals: [{
          id: 'pro-cpa', name: 'Pat Demo',
          type: 'cpa_intl', firm: 'Sample Expat Tax Services',
          contact: 'pat@example.com',
          city: 'Remote — US', jurisdiction: 'US',
          specialty: 'PFIC, FBAR, expat 1040, FEIE/FTC',
          retainer_status: 'annual', notes: '',
          created_at: now, updated_at: now,
        }],
        consultations: [{
          id: uuid('cns'), professional_id: 'pro-cpa',
          date: isoDateMonthsAhead(-4).slice(0, 10),
          topic: 'iDeCo PFIC + Form 8621',
          summary: 'Filed Form 8621 with QEF election for the Rakuten iDeCo holding. Recommended stopping further contributions until SOFA status ends.',
          follow_up_needed: true, follow_up_date: isoDateMonthsAhead(4),
          related_module: 'tax-coordinator', notes: '',
        }],
        suggested_starting_point: null,
      },
      fx_banking: defaultFxBanking(['wise', 'sony_bank', 'broker'], 3000, 480000),
      action_center: { dismissed: {} },
      net_worth: defaultNetWorth(),
      sharing: defaultSharing(),
      ai_assistant: defaultAiAssistant(),
      settings: defaultSettings(),
    };
  }

  // ─── Profile B: Long-term resident household ──────────────────────
  function buildResidentProfile() {
    const now = isoDateNow();
    const thisYear = new Date().getFullYear();
    const lastYear = thisYear - 1;

    // Completely different household — different names, different
    // city, different career, different visa path. Designed so a
    // user toggling between the two demos sees clearly distinct
    // content (not just a re-skinned SOFA flow).
    const HH = {
      primary:  { name_en: 'Jordan Demo',  name_jp: 'ジョーダン デモ',  birth_year: 1968 },
      spouse:   { name_en: 'Misaki Demo',  name_jp: 'デモ 美咲',         birth_year: 1970 },
      // Adult child is in the US — included for emergency-contact
      // purposes but doesn't drive the dual-citizen-kids workflow.
      child1:   { name_en: 'Riley Demo',   name_jp: 'ライリー デモ',     birth_year: 1996 },
    };

    const idJordan = 'fam-jordan', idMisaki = 'fam-misaki', idRiley = 'fam-riley';
    const acctFidelity401k = 'acct-fidelity-401k';
    const acctVanguardRoth = 'acct-vanguard-roth';
    const acctVanguardTrad = 'acct-vanguard-trad-ira';
    const acctSchwabBank   = 'acct-schwab-checking';
    const acctMizuhoSav    = 'acct-mizuho-savings';
    const acctMizuhoChk    = 'acct-mizuho-checking';
    const acctNomura       = 'acct-nomura-brokerage';

    return {
      version: 4,
      _demo: { loaded_at: now, profile: 'resident',
        household: HH.primary.name_en + ' / ' + HH.spouse.name_en },
      profile: {
        displayName:   HH.primary.name_en,
        displayNameJa: HH.primary.name_jp,
      },
      onboarding: {
        complete: true, completedAt: now,
        answers: {
          display_name: HH.primary.name_en, display_name_ja: HH.primary.name_jp,
          birth_year: String(HH.primary.birth_year),
          biological_sex: 'female',
          citizenship: 'us_only',
          in_japan: 'yes', years_in_japan: 'over_10',
          visa: 'permanent',
          employment: 'us_company',
          veteran: 'no',
          // separation_date hidden by showIf — skip
          tax_status: 'japan_resident',
          family: ['jp_spouse'],
          real_estate: 'yes', real_estate_use: 'primary',
          jp_filing_responsibility: 'self',
          healthcare_coverage: ['nhi'],
          retirement_horizon: '5_15y',
          fx_platforms: ['wise', 'broker'],
          ai_consent: 'per_call',
          consultations_history: 'cpa_us_intl',
          pfic_holdings: 'no',
          medicare_status: 'approaching_iep',
          renunciation_status: 'never',
          // juminhyo: 'yes' would be asked since visa is not SOFA
          juminhyo: 'yes',
        },
      },
      tracks: ['resident', 'family', 'property'],
      modules: { unlocked: [] },

      assets: {
        accounts: [
          { id: acctFidelity401k, institution: 'Fidelity',
            name: '401(k) — rolled from former US employer',
            country: 'US', tax_wrapper: 'traditional_401k_tsp', currency: 'USD',
            balance_native: 612000, basis_native: null, notes: '',
            updated_at: now, active: true, include_in_sofa: false,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '1001',
            allocation: { equity_us: 0.65, equity_intl: 0.2, bond: 0.15, cash: 0, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
          { id: acctVanguardRoth, institution: 'Vanguard', name: 'Roth IRA',
            country: 'US', tax_wrapper: 'roth_ira', currency: 'USD',
            balance_native: 218000, basis_native: null, notes: '',
            updated_at: now, active: true, include_in_sofa: false,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en + ' (primary), Riley (contingent)',
            account_number_last4: '1002',
            allocation: { equity_us: 0.75, equity_intl: 0.2, bond: 0.05, cash: 0, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
          { id: acctVanguardTrad, institution: 'Vanguard', name: 'Traditional IRA',
            country: 'US', tax_wrapper: 'traditional_ira', currency: 'USD',
            balance_native: 95000, basis_native: null,
            notes: 'Considering Roth conversions while US bracket is low.',
            updated_at: now, active: true, include_in_sofa: false,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '1003',
            allocation: { equity_us: 0.6, equity_intl: 0.2, bond: 0.2, cash: 0, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
          { id: acctSchwabBank, institution: 'Charles Schwab',
            name: 'High-yield checking (US)',
            country: 'US', tax_wrapper: 'other', currency: 'USD',
            balance_native: 24500, basis_native: null,
            notes: 'No-fee international ATM card. Backup access while in JP.',
            updated_at: now, active: true, include_in_sofa: false,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '1004',
            allocation: { equity_us: 0, equity_intl: 0, bond: 0, cash: 1, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
          { id: acctMizuhoSav, institution: 'みずほ銀行 (Mizuho Bank)',
            name: '普通預金 (savings)',
            country: 'JP', tax_wrapper: 'jp_savings', currency: 'JPY',
            balance_native: 8_400_000, basis_native: null,
            notes: 'Primary JP household account.',
            updated_at: now, active: true, include_in_sofa: false,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '1005',
            allocation: { equity_us: 0, equity_intl: 0, bond: 0, cash: 1, real_estate: 0, alternative: 0 },
            fbar_account_id: 'fbar-r-mizuho' },
          { id: acctMizuhoChk, institution: 'みずほ銀行 (Mizuho Bank)',
            name: '当座預金 (checking)',
            country: 'JP', tax_wrapper: 'jp_checking', currency: 'JPY',
            balance_native: 1_950_000, basis_native: null,
            notes: 'Utilities + autopay account.',
            updated_at: now, active: true, include_in_sofa: false,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '1006',
            allocation: { equity_us: 0, equity_intl: 0, bond: 0, cash: 1, real_estate: 0, alternative: 0 },
            fbar_account_id: 'fbar-r-mizuho-chk' },
          { id: acctNomura, institution: '野村證券 (Nomura Securities)',
            name: '一般口座 (taxable JP brokerage)',
            country: 'JP', tax_wrapper: 'taxable_brokerage', currency: 'JPY',
            balance_native: 18_500_000, basis_native: 14_200_000,
            notes: 'Individual JP-listed equities only — no investment trusts to avoid PFIC trap.',
            updated_at: now, active: true, include_in_sofa: false,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '1007',
            allocation: { equity_us: 0, equity_intl: 0.95, bond: 0, cash: 0.05, real_estate: 0, alternative: 0 },
            fbar_account_id: 'fbar-r-nomura' },
        ],
        target_allocation: null,
        snapshots: [{
          id: uuid('snap'), taken_at: isoDateYearsAgo(1),
          label: lastYear + ' year-end',
          total_usd: 1_135_000,
          allocation: { equity_us: 0.5, equity_intl: 0.25, bond: 0.12, cash: 0.13, real_estate: 0, alternative: 0 },
          accounts: [],
        }],
      },
      fbar: {
        filers: [{
          id: 'fbar-r-filer', name_en: HH.primary.name_en, name_jp: HH.primary.name_jp,
          ssn_last4: '1001', dob: HH.primary.birth_year + '-02-22', relationship: 'self',
          isMinor: false, isUSPerson: true,
          filing_address: '2-2-2 Sample-machi, Sample-ku, Yokohama 220-0000, JAPAN',
          notes: '',
        }],
        accounts: [
          { id: 'fbar-r-mizuho', filer_ids: ['fbar-r-filer'],
            account_type: 'savings', institution_name: 'みずほ銀行 (Mizuho Bank)',
            institution_address: '1-1-1 Sample, Naka-ku, Yokohama, JAPAN',
            account_number_masked: '*******1005', account_number_full: 'DEMO000001005',
            currency: 'JPY', country: 'JP',
            opened_year: thisYear - 12, closed_year: null,
            signatory_only: false, notes: 'Primary household account since arrival.' },
          { id: 'fbar-r-mizuho-chk', filer_ids: ['fbar-r-filer'],
            account_type: 'checking', institution_name: 'みずほ銀行 (Mizuho Bank)',
            institution_address: '1-1-1 Sample, Naka-ku, Yokohama, JAPAN',
            account_number_masked: '*******1006', account_number_full: 'DEMO000001006',
            currency: 'JPY', country: 'JP',
            opened_year: thisYear - 12, closed_year: null,
            signatory_only: false, notes: '' },
          { id: 'fbar-r-nomura', filer_ids: ['fbar-r-filer'],
            account_type: 'brokerage', institution_name: '野村證券 (Nomura Securities)',
            institution_address: '1-1-1 Sample, Chuo-ku, Tokyo, JAPAN',
            account_number_masked: '*******1007', account_number_full: 'DEMO000001007',
            currency: 'JPY', country: 'JP',
            opened_year: thisYear - 8, closed_year: null,
            signatory_only: false,
            notes: 'Individual stocks only — PFIC-aware portfolio.' },
        ],
        yearly_balances: [
          { id: uuid('fb-bal'), account_id: 'fbar-r-mizuho',
            year: lastYear, max_balance_native: 9_100_000, max_balance_date: lastYear + '-12-20',
            fx_rate_used: 149.50, fx_rate_source: 'Treasury', fx_rate_overridden: false,
            max_balance_usd: Math.round(9100000 / 149.50), notes: '' },
          { id: uuid('fb-bal'), account_id: 'fbar-r-mizuho-chk',
            year: lastYear, max_balance_native: 2_400_000, max_balance_date: lastYear + '-06-15',
            fx_rate_used: 149.50, fx_rate_source: 'Treasury', fx_rate_overridden: false,
            max_balance_usd: Math.round(2400000 / 149.50), notes: '' },
          { id: uuid('fb-bal'), account_id: 'fbar-r-nomura',
            year: lastYear, max_balance_native: 19_800_000, max_balance_date: lastYear + '-04-30',
            fx_rate_used: 149.50, fx_rate_source: 'Treasury', fx_rate_overridden: false,
            max_balance_usd: Math.round(19800000 / 149.50), notes: '' },
          { id: uuid('fb-bal'), account_id: 'fbar-r-mizuho',
            year: thisYear - 2, max_balance_native: 8_500_000, max_balance_date: (thisYear - 2) + '-08-10',
            fx_rate_used: 141.10, fx_rate_source: 'Treasury', fx_rate_overridden: false,
            max_balance_usd: Math.round(8500000 / 141.10), notes: '' },
        ],
        filing_history: [
          { id: uuid('fb-file'), filer_id: 'fbar-r-filer', year: lastYear,
            filed_on: thisYear + '-03-22',
            bsa_id: 'BSA-' + lastYear + '-DEMO-1001',
            method: 'self-filed BSA E-Filing',
            notes: 'Filed early as part of 確定申告 + US 1040 cycle.' },
          { id: uuid('fb-file'), filer_id: 'fbar-r-filer', year: thisYear - 2,
            filed_on: (thisYear - 1) + '-03-30',
            bsa_id: 'BSA-' + (thisYear - 2) + '-DEMO-1001',
            method: 'self-filed BSA E-Filing', notes: '' },
        ],
      },
      family: {
        members: [
          { id: idJordan, relationship: 'self',
            name_en: HH.primary.name_en, name_jp: HH.primary.name_jp,
            birth_date: HH.primary.birth_year + '-02-22',
            citizenships: ['US'], jp_resident: true, ssn_or_itin: 'ssn',
            passport_us: { number_last4: '1001', expires: isoDateMonthsAhead(46), renewed_at: isoDateYearsAgo(4) },
            passport_jp: { number_last4: '', expires: null, renewed_at: null },
            nationality_choice_made: null, notes: '',
            created_at: now, updated_at: now },
          { id: idMisaki, relationship: 'spouse',
            name_en: HH.spouse.name_en, name_jp: HH.spouse.name_jp,
            birth_date: HH.spouse.birth_year + '-07-08',
            citizenships: ['JP'], jp_resident: true, ssn_or_itin: 'itin',
            passport_us: { number_last4: '', expires: null, renewed_at: null },
            passport_jp: { number_last4: '1002', expires: isoDateMonthsAhead(50), renewed_at: isoDateYearsAgo(5) },
            nationality_choice_made: null, is_emergency_contact: true,
            notes: 'Retired teacher. Drives household budget.',
            created_at: now, updated_at: now },
          { id: idRiley, relationship: 'child',
            name_en: HH.child1.name_en, name_jp: HH.child1.name_jp,
            birth_date: HH.child1.birth_year + '-10-04',
            citizenships: ['US'], jp_resident: false, ssn_or_itin: 'ssn',
            passport_us: { number_last4: '1003', expires: isoDateMonthsAhead(8), renewed_at: isoDateYearsAgo(9) },
            passport_jp: { number_last4: '', expires: null, renewed_at: null },
            nationality_choice_made: null,
            notes: 'Adult — lives in California. Listed for emergency contact only.',
            created_at: now, updated_at: now },
        ],
        renunciation: { contemplating: false, target_year: null,
          consultation_complete: false, estimated_net_worth_usd: null,
          estimated_avg_tax_5y_usd: null, notes: '' },
        gifts_log: [],
      },
      // No veteran data — civilian household. Empty defaults.
      veteran: {
        service: { branch: null, component: null, entry_date: null, discharge_date: null,
          discharge_type: null, final_rank: '', mos_rating: '', retired: false },
        disability: { overall_rating_pct: 0, monthly_compensation_usd: 0,
          individual_unemployability: false, last_evaluation_date: null, conditions: [] },
        healthcare: { tricare_eligible: false, tricare_plan: null,
          fmp_enrolled: false, chappy_17: false },
        education: { benefit_type: null, months_remaining: null,
          expiration_date: null, transferred: false },
        survivor: { sgli_amount: null, vgli_amount: null },
        dd214Stored: false, vaRating: null, notes: '',
      },
      property: {
        properties: [{
          id: uuid('prop'),
          label: 'Yokohama home (primary residence, inherited)',
          country: 'JP', currency: 'JPY', type: 'primary_residence',
          purchase_date: isoDateYearsAgo(5),
          purchase_price_native: 0, current_value_native: 68_000_000,
          address: '2-2-2 Sample-machi, Sample-ku, Yokohama 220-0000',
          square_meters: 118, structure_type: 'wood',
          mortgage_balance_native: 0, mortgage_rate_pct: 0, mortgage_remaining_years: 0,
          annual_property_tax_native: 145000, annual_city_tax_native: 19000,
          annual_insurance_native: 32000, monthly_maintenance_native: 0,
          rental_status: null, monthly_rent_native: null, annual_rental_expenses_native: null,
          depreciation_started_year: null, depreciation_basis_native: null,
          planned_sale_year: null, lived_2_of_5_years: null,
          is_residential_for_inheritance: true,
          notes: 'Inherited from spouse\'s parents. No mortgage.',
          created_at: now,
        }],
        preferences: { show_summary_currency: 'usd' },
      },
      resident: {
        residency: {
          arrival_date: isoDateYearsAgo(12),
          juminhyo_date: isoDateYearsAgo(12),
          visa_status: 'permanent',
          permanent_residency: true,
          pr_application_filed: isoDateYearsAgo(6),
        },
        furusato: {
          prior_year_income_jpy: 12_500_000,
          prior_year_dependents: 1,
          donations_planned_jpy: 90_000,
        },
        mortgage: { has_jp_mortgage: false, purchase_year: null,
          loan_balance_jpy: null, loan_type: null },
        nhi: { enrolled: true, prior_year_assessment_jpy: 720000 },
      },
      healthcare: {
        medicare: {
          // Approaching 65 — IEP planning matters more than enrollment
          enrolled_a: false, enrolled_b: false, enrolled_d: false,
          part_b_premium_monthly_usd: null,
          part_b_decision: 'undecided',
          part_b_decision_notes: 'Living abroad — weighing IRMAA + late-enrollment penalty trade-off.',
          irmaa_tier: null,
        },
        ltc: { applies: true, care_level: null,
          monthly_premium_jpy: 5800,
          funding_strategy_notes: '介護保険 active (age 40+). Both spouses enrolled.' },
        end_of_life: { organ_donor_us: true, organ_donor_jp: true,
          dnr_preference: 'limited',
          funeral_preference_notes: 'Buddhist family service in Yokohama. Cremation.' },
        private: { type: 'none', custom_name: '',
          monthly_premium_usd: null, monthly_premium_jpy: null,
          employer_paid: null, notes: '' },
        monthly_budget: { nhi_jpy: 60000, shi_jpy: null,
          tricare_usd: null, medicare_b_usd: null, medicare_d_usd: null,
          ltc_jpy: 5800, private_us_usd: null, notes: '' },
        coverage_types: ['nhi'],
      },
      health_tracker: {
        exams: [{
          id: uuid('exam'),
          date: isoDateMonthsAhead(-5).slice(0, 10),
          type: 'physical',
          provider: 'Dr. Sample Physician',
          facility: 'Sample Yokohama Clinic',
          location: 'Yokohama',
          vitals: { weight_kg: 64.5, height_cm: 168, bp_systolic: 132, bp_diastolic: 84,
            heart_rate_bpm: 72, temp_c: 36.4, respiratory_rate: 14, spo2_pct: 97, bmi: 22.9 },
          lab_results: [
            { name: 'Total Cholesterol', value: 218, unit: 'mg/dL', range_low: 0, range_high: 200, flag: 'high' },
            { name: 'LDL', value: 138, unit: 'mg/dL', range_low: 0, range_high: 100, flag: 'high' },
            { name: 'HDL', value: 64, unit: 'mg/dL', range_low: 40, range_high: 999, flag: 'normal' },
            { name: 'HbA1c', value: 5.7, unit: '%', range_low: 0, range_high: 5.6, flag: 'high' },
          ],
          diagnoses: ['Prediabetic A1c — diet + exercise', 'Elevated LDL — statin discussion in 6mo'],
          procedures: ['CMP', 'Lipid panel', 'A1c'],
          followup: 'Recheck in 6 months. Lifestyle changes first.',
          notes: 'Annual 健康診断. Cleared otherwise.',
        }],
        medications: [],
        care_plan: {
          primary_concerns: [
            { id: uuid('pc'), text: 'Borderline A1c trending up', severity: 'medium',
              started_date: isoDateYearsAgo(1) },
          ],
          annual_goals: [
            { id: uuid('goal'), text: 'Get A1c under 5.6%', target_date: thisYear + '-12-31', status: 'active' },
          ],
          preventive_screenings_due: [
            { id: uuid('scr'), name: 'Colonoscopy', due_date: isoDateMonthsAhead(3),
              last_done: isoDateYearsAgo(10), interval_years: 10, notes: 'NHI covers' },
            { id: uuid('scr'), name: 'Mammogram', due_date: isoDateMonthsAhead(7),
              last_done: isoDateYearsAgo(2), interval_years: 2, notes: '' },
          ],
          specialist_referrals: [], next_appointments: [],
        },
        dental: {
          last_cleaning: isoDateMonthsAhead(-4).slice(0, 10),
          last_xrays: isoDateYearsAgo(1),
          last_perio: isoDateMonthsAhead(-4).slice(0, 10),
          dentist: 'Dr. Sample Dentist',
          clinic: 'Sample Yokohama Dental',
          procedures: [],
          issues_tracked: [],
          providers: [{
            id: uuid('dprov'),
            name_en: 'Sample Yokohama Dental',
            name_jp: 'サンプル横浜歯科',
            type: 'dental',
            address: '2-2-2 Sample-machi, Sample-ku, Yokohama 220-0000',
            phone: '045-XXXX-XXXX',
            email: '', website: 'https://sample-yokohama-dental.example.jp',
            hours: 'Mon-Fri 9:00-18:00 · Sat 9:00-12:00',
            notes: '', ai_enriched_at: null,
            created_at: now,
          }],
          appointments: [], notes_log: [], teeth: {},
          periodontal: { pockets_4mm_pct: 12, bleeding_on_probing_pct: 8, mobile_teeth: 0 },
        },
        insurance_summary: {
          primary_plan: '国民健康保険 (NHI) — Yokohama-shi',
          member_id_last4: '1001',
          bin: '', pcp_name: '', pcp_phone: '',
          notes: 'Both spouses on NHI through Yokohama city.',
          cards: [],
        },
        preferences: { units: 'metric', track_trends: true, default_lab_panel: 'cmp' },
        episodes: [], invoices: [],
        ui_state: { active_tab: 'dashboard' },
      },
      // No SOFA data — civilian household. Empty defaults.
      sofa: {
        profile: { role: '', sofa_status: '', separation_date: '',
          jp_residency_plan: '', juminhyou_target_date: '',
          filing_status: '', spouse_us_person: '', has_minor_children: '', notes: '' },
        tax_assumptions: { us_marginal_pct: null, us_ltcg_pct: null,
          jp_marginal_pct: null, jp_ltcg_pct: 20.315 },
        steps: [],
        acks: { disclaimer_version: '', consulted_cpa: false, consulted_cpa_at: null },
      },
      projections: defaultProjectionsForAge(thisYear - HH.primary.birth_year, 'mfs', 195000, 3800, 67),
      decumulation: {
        retirement_horizon: '5_15y',
        ss_claiming: {
          chosen_age: 67,
          estimated_monthly_at_chosen_age_usd: 3800,
          spouse_strategy: 'individual',
          notes: 'FRA age 67. Will reassess closer to 65.',
        },
        jp_pension: {
          kokumin_nenkin_years: 4, kosei_nenkin_years: 8,
          kosei_estimated_monthly_jpy: 95000, kokumin_estimated_monthly_jpy: 22000,
          has_japan_coverage_certificate: false,
          notes: '12 years total — short of the 25-year vesting under old rules but qualifies under post-2017 10-year rule.',
        },
        withdrawal: {
          jp_resident_at_retirement: true,
          preferred_strategy: 'tax_diversified',
          notes: 'Plan to spend taxable JP brokerage first, then Roth conversions during low-bracket years.',
        },
        rmd_planning: { convert_pre_rmd: true, qcd_planned: null, notes: '' },
      },
      tax_coordinator: {
        filing_status: 'mfs', feie_or_ftc_choice: 'ftc',
        jp_filing_responsibility: 'self',
        preparer: {
          name: 'Sample International CPA (self-prepared)',
          contact: '',
          notes: 'Self-prepare US 1040 + 確定申告 with annual review by sample CPA.',
          next_appointment: null,
        },
        manual_overrides: {
          has_pfic: false, has_foreign_corp: false,
          self_employed: false, paid_jp_tax_prior_year: true,
          has_non_sofa_jp_income: null,
        },
        forms_filed_history: {
          [lastYear]:     ['1040', '1116', 'fbar', '8938'],
          [thisYear - 2]: ['1040', '1116', 'fbar', '8938'],
        },
        notes: 'No PFIC — JP brokerage holds individual stocks only. Form 8938 triggered by aggregate foreign financial assets.',
      },
      estate: {
        status: {
          last_beneficiary_review: isoDateMonthsAhead(-6).slice(0, 10),
          last_will_review: isoDateYearsAgo(1),
          will_us_status: 'signed', will_jp_status: 'kosei_shosho',
          executor_us: HH.spouse.name_en, executor_jp: HH.spouse.name_en,
          notes: 'Both wills current. JP 公正証書 遺言 executed last year.',
        },
        beneficiaries: { overrides: {} },
        letter_of_instruction: {
          funeral_preferences: 'Buddhist service. Cremation. Family plot in Yokohama.',
          pet_instructions: '',
          digital_accounts_note: 'Password manager: 1Password — emergency kit with spouse and Riley.',
          important_contacts: [],
          additional_notes: '', last_generated: null,
        },
        jp_inheritance_assumptions: {
          expects_kominka: false, expects_business_succession: false,
          has_jp_real_estate_residence: true,
          estimated_other_jp_assets_jpy: null, estimated_other_us_assets_usd: null,
        },
      },
      documentVault: {
        items: [
          { id: uuid('doc'), category: 'identification', type: 'passport_us',
            title: 'US Passport — ' + HH.primary.name_en,
            person_name: HH.primary.name_en, issuing_authority: 'US Dept of State',
            issue_date: isoDateYearsAgo(4), expiry_date: isoDateMonthsAhead(46),
            reference_number_last4: '1001', storage_location: 'Home safe',
            notes: '', created_at: now, updated_at: now },
          { id: uuid('doc'), category: 'immigration', type: 'residence_card_jp',
            title: '在留カード (Permanent Resident)',
            person_name: HH.primary.name_en, issuing_authority: '入国管理局',
            issue_date: isoDateYearsAgo(4), expiry_date: isoDateMonthsAhead(36),
            reference_number_last4: '1004', storage_location: 'Carry — wallet',
            notes: 'PR — renewable card every 7 years.',
            created_at: now, updated_at: now },
          { id: uuid('doc'), category: 'estate', type: 'will',
            title: 'US Will (executed)',
            person_name: HH.primary.name_en, issuing_authority: 'California',
            issue_date: isoDateYearsAgo(1), expiry_date: null,
            reference_number_last4: '', storage_location: 'Home safe + attorney copy',
            notes: '', created_at: now, updated_at: now },
          { id: uuid('doc'), category: 'estate', type: 'will',
            title: '公正証書遺言 (JP Will)',
            person_name: HH.primary.name_en, issuing_authority: '横浜公証役場',
            issue_date: isoDateYearsAgo(1), expiry_date: null,
            reference_number_last4: '', storage_location: '横浜公証役場 + copy at home',
            notes: 'Notarized JP will. Spouse and 司法書士 hold copies.',
            created_at: now, updated_at: now },
          { id: uuid('doc'), category: 'tax', type: 'tax_return_us',
            title: lastYear + ' Form 1040 (filed)',
            person_name: HH.primary.name_en, issuing_authority: 'IRS',
            issue_date: thisYear + '-03-15', expiry_date: null,
            reference_number_last4: '', storage_location: 'Cloud — encrypted Drive',
            notes: '', created_at: now, updated_at: now },
          { id: uuid('doc'), category: 'tax', type: 'tax_return_jp',
            title: lastYear + ' 確定申告書 (filed)',
            person_name: HH.primary.name_en, issuing_authority: '国税庁',
            issue_date: thisYear + '-03-14', expiry_date: null,
            reference_number_last4: '', storage_location: 'Cloud — encrypted Drive',
            notes: '', created_at: now, updated_at: now },
        ],
      },
      consultations: {
        professionals: [{
          id: 'pro-cpa-r', name: 'Sample International CPA',
          type: 'cpa_intl', firm: 'Sample Expat Tax (review-only)',
          contact: 'review@example.com',
          city: 'Remote — US', jurisdiction: 'US',
          specialty: 'Expat 1040 + Form 8938 review',
          retainer_status: 'as_needed', notes: 'Annual review only — JP side self-filed.',
          created_at: now, updated_at: now,
        }],
        consultations: [{
          id: uuid('cns'), professional_id: 'pro-cpa-r',
          date: isoDateMonthsAhead(-3).slice(0, 10),
          topic: 'Annual review — 1040 + 8938 + FBAR',
          summary: 'Reviewed self-prepared 1040 with FTC, Form 8938 (over thresholds for JP-resident MFS), FBAR confirmed. No PFIC issues.',
          follow_up_needed: false, follow_up_date: null,
          related_module: 'tax-coordinator', notes: '',
        }],
        suggested_starting_point: null,
      },
      fx_banking: defaultFxBanking(['wise', 'broker'], 2500, 400000),
      action_center: { dismissed: {} },
      net_worth: defaultNetWorth(),
      sharing: defaultSharing(),
      ai_assistant: defaultAiAssistant(),
      settings: defaultSettings(),
    };
  }

  // ─── Profile C: Retired American in Japan ────────────────────────
  function buildRetireeProfile() {
    const now = isoDateNow();
    const thisYear = new Date().getFullYear();
    const lastYear = thisYear - 1;

    const HH = {
      primary: { name_en: 'Sam Demo',    name_jp: 'サム デモ',  birth_year: thisYear - 73 },
      spouse:  { name_en: 'Tomoko Demo', name_jp: 'デモ 朋子',  birth_year: thisYear - 71 },
      // Adult child living in California — listed for emergency
      // contact only, not a household-tax-filing concern.
      child1:  { name_en: 'Jamie Demo',  name_jp: 'ジェイミー デモ', birth_year: thisYear - 42 },
    };
    const idSam = 'fam-sam', idTomoko = 'fam-tomoko', idJamie = 'fam-jamie';
    const acctTradIra  = 'acct-r-trad-ira';
    const acctRothIra  = 'acct-r-roth-ira';
    const acctSchwab   = 'acct-r-schwab-brokerage';
    const acctMizuhoS  = 'acct-r-mizuho-savings';
    const acctNomura   = 'acct-r-nomura-brokerage';

    return {
      version: 4,
      _demo: { loaded_at: now, profile: 'retiree',
        household: HH.primary.name_en + ' / ' + HH.spouse.name_en },
      profile: { displayName: HH.primary.name_en, displayNameJa: HH.primary.name_jp },
      onboarding: {
        complete: true, completedAt: now,
        answers: {
          display_name: HH.primary.name_en, display_name_ja: HH.primary.name_jp,
          birth_year: String(HH.primary.birth_year),
          biological_sex: 'male',
          citizenship: 'us_only',
          in_japan: 'yes', years_in_japan: 'over_10',
          visa: 'permanent',
          juminhyo: 'yes',
          employment: 'retired_civ',
          veteran: 'no',
          tax_status: 'japan_resident',
          family: ['jp_spouse'],
          real_estate: 'yes', real_estate_use: 'primary',
          jp_filing_responsibility: 'self',
          healthcare_coverage: ['nhi', 'medicare'],
          retirement_horizon: 'already',
          fx_platforms: ['wise', 'broker'],
          ai_consent: 'per_call',
          consultations_history: 'multiple',
          pfic_holdings: 'no',
          medicare_status: 'enrolled_a_only',
          renunciation_status: 'never',
        },
      },
      tracks: ['resident', 'family', 'property'],
      modules: { unlocked: [] },
      assets: {
        accounts: [
          { id: acctTradIra, institution: 'Vanguard', name: 'Traditional IRA (RMD active)',
            country: 'US', tax_wrapper: 'traditional_ira', currency: 'USD',
            balance_native: 485000, basis_native: null,
            notes: 'RMD active since age 73. Annual distribution rolls to brokerage.',
            updated_at: now, active: true, include_in_sofa: false,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '2001',
            allocation: { equity_us: 0.4, equity_intl: 0.15, bond: 0.4, cash: 0.05, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
          { id: acctRothIra, institution: 'Vanguard', name: 'Roth IRA',
            country: 'US', tax_wrapper: 'roth_ira', currency: 'USD',
            balance_native: 195000, basis_native: null,
            notes: 'Spending last (no RMD). Reserved for late-life and heir basis.',
            updated_at: now, active: true, include_in_sofa: false,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en + ' (primary), Jamie (contingent)',
            account_number_last4: '2002',
            allocation: { equity_us: 0.65, equity_intl: 0.2, bond: 0.15, cash: 0, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
          { id: acctSchwab, institution: 'Charles Schwab', name: 'Brokerage',
            country: 'US', tax_wrapper: 'taxable_brokerage', currency: 'USD',
            balance_native: 320000, basis_native: 240000,
            notes: 'Step-up basis on death — keep here for heirs vs. spending Roth.',
            updated_at: now, active: true, include_in_sofa: false,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en + ' (POD)',
            account_number_last4: '2003',
            allocation: { equity_us: 0.5, equity_intl: 0.2, bond: 0.25, cash: 0.05, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
          { id: acctMizuhoS, institution: 'みずほ銀行 (Mizuho Bank)', name: '普通預金',
            country: 'JP', tax_wrapper: 'jp_savings', currency: 'JPY',
            balance_native: 6_800_000, basis_native: null,
            notes: 'Daily expenses + monthly NHI / 介護保険 autopay.',
            updated_at: now, active: true, include_in_sofa: false,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '2004',
            allocation: { equity_us: 0, equity_intl: 0, bond: 0, cash: 1, real_estate: 0, alternative: 0 },
            fbar_account_id: 'fbar-r-mizuho-2' },
          { id: acctNomura, institution: '野村證券 (Nomura Securities)',
            name: '一般口座 (taxable JP brokerage)',
            country: 'JP', tax_wrapper: 'taxable_brokerage', currency: 'JPY',
            balance_native: 12_400_000, basis_native: 9_600_000,
            notes: 'Individual JP-listed equities only — deliberately PFIC-safe.',
            updated_at: now, active: true, include_in_sofa: false,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '2005',
            allocation: { equity_us: 0, equity_intl: 0.95, bond: 0, cash: 0.05, real_estate: 0, alternative: 0 },
            fbar_account_id: 'fbar-r-nomura-2' },
        ],
        target_allocation: null,
        snapshots: [{
          id: uuid('snap'), taken_at: isoDateYearsAgo(1),
          label: lastYear + ' year-end',
          total_usd: 1_080_000,
          allocation: { equity_us: 0.4, equity_intl: 0.18, bond: 0.28, cash: 0.14, real_estate: 0, alternative: 0 },
          accounts: [],
        }],
      },
      fbar: {
        filers: [{
          id: 'fbar-r-filer-2', name_en: HH.primary.name_en, name_jp: HH.primary.name_jp,
          ssn_last4: '2001', dob: HH.primary.birth_year + '-05-10', relationship: 'self',
          isMinor: false, isUSPerson: true,
          filing_address: '3-3-3 Sample-machi, Sample-ku, Kamakura 248-0000, JAPAN',
          notes: '',
        }],
        accounts: [
          { id: 'fbar-r-mizuho-2', filer_ids: ['fbar-r-filer-2'],
            account_type: 'savings', institution_name: 'みずほ銀行 (Mizuho Bank)',
            institution_address: '1-1-1 Sample, Kamakura, Kanagawa, JAPAN',
            account_number_masked: '*******2004', account_number_full: 'DEMO000002004',
            currency: 'JPY', country: 'JP',
            opened_year: thisYear - 18, closed_year: null,
            signatory_only: false, notes: '' },
          { id: 'fbar-r-nomura-2', filer_ids: ['fbar-r-filer-2'],
            account_type: 'brokerage', institution_name: '野村證券 (Nomura Securities)',
            institution_address: '1-1-1 Sample, Chuo-ku, Tokyo, JAPAN',
            account_number_masked: '*******2005', account_number_full: 'DEMO000002005',
            currency: 'JPY', country: 'JP',
            opened_year: thisYear - 14, closed_year: null,
            signatory_only: false, notes: '' },
        ],
        yearly_balances: [
          { id: uuid('fb-bal'), account_id: 'fbar-r-mizuho-2',
            year: lastYear, max_balance_native: 7_400_000, max_balance_date: lastYear + '-04-15',
            fx_rate_used: 149.50, fx_rate_source: 'Treasury', fx_rate_overridden: false,
            max_balance_usd: Math.round(7400000 / 149.50), notes: '' },
          { id: uuid('fb-bal'), account_id: 'fbar-r-nomura-2',
            year: lastYear, max_balance_native: 13_200_000, max_balance_date: lastYear + '-09-08',
            fx_rate_used: 149.50, fx_rate_source: 'Treasury', fx_rate_overridden: false,
            max_balance_usd: Math.round(13200000 / 149.50), notes: '' },
          { id: uuid('fb-bal'), account_id: 'fbar-r-mizuho-2',
            year: thisYear - 2, max_balance_native: 6_950_000, max_balance_date: (thisYear - 2) + '-11-01',
            fx_rate_used: 141.10, fx_rate_source: 'Treasury', fx_rate_overridden: false,
            max_balance_usd: Math.round(6950000 / 141.10), notes: '' },
        ],
        filing_history: [
          { id: uuid('fb-file'), filer_id: 'fbar-r-filer-2', year: lastYear,
            filed_on: thisYear + '-03-12',
            bsa_id: 'BSA-' + lastYear + '-DEMO-2001',
            method: 'self-filed BSA E-Filing', notes: 'Filed alongside 1040 + 8938 + 確定申告.' },
          { id: uuid('fb-file'), filer_id: 'fbar-r-filer-2', year: thisYear - 2,
            filed_on: (thisYear - 1) + '-03-15',
            bsa_id: 'BSA-' + (thisYear - 2) + '-DEMO-2001',
            method: 'self-filed BSA E-Filing', notes: '' },
        ],
      },
      family: {
        members: [
          { id: idSam, relationship: 'self',
            name_en: HH.primary.name_en, name_jp: HH.primary.name_jp,
            birth_date: HH.primary.birth_year + '-05-10',
            citizenships: ['US'], jp_resident: true, ssn_or_itin: 'ssn',
            passport_us: { number_last4: '2001', expires: isoDateMonthsAhead(31), renewed_at: isoDateYearsAgo(7) },
            passport_jp: { number_last4: '', expires: null, renewed_at: null },
            nationality_choice_made: null, notes: '',
            created_at: now, updated_at: now },
          { id: idTomoko, relationship: 'spouse',
            name_en: HH.spouse.name_en, name_jp: HH.spouse.name_jp,
            birth_date: HH.spouse.birth_year + '-12-04',
            citizenships: ['JP'], jp_resident: true, ssn_or_itin: 'itin',
            passport_us: { number_last4: '', expires: null, renewed_at: null },
            passport_jp: { number_last4: '2002', expires: isoDateMonthsAhead(40), renewed_at: isoDateYearsAgo(6) },
            nationality_choice_made: null, is_emergency_contact: true,
            notes: 'Retired teacher. Power of attorney for Sam.',
            created_at: now, updated_at: now },
          { id: idJamie, relationship: 'child',
            name_en: HH.child1.name_en, name_jp: HH.child1.name_jp,
            birth_date: HH.child1.birth_year + '-08-22',
            citizenships: ['US'], jp_resident: false, ssn_or_itin: 'ssn',
            passport_us: { number_last4: '2003', expires: isoDateMonthsAhead(24), renewed_at: isoDateYearsAgo(8) },
            passport_jp: { number_last4: '', expires: null, renewed_at: null },
            nationality_choice_made: null,
            notes: 'Adult — California. Listed as US-side executor.',
            created_at: now, updated_at: now },
        ],
        renunciation: { contemplating: false, target_year: null,
          consultation_complete: false, estimated_net_worth_usd: null,
          estimated_avg_tax_5y_usd: null, notes: '' },
        gifts_log: [],
      },
      veteran: {
        service: { branch: null, component: null, entry_date: null, discharge_date: null,
          discharge_type: null, final_rank: '', mos_rating: '', retired: false },
        disability: { overall_rating_pct: 0, monthly_compensation_usd: 0,
          individual_unemployability: false, last_evaluation_date: null, conditions: [] },
        healthcare: { tricare_eligible: false, tricare_plan: null, fmp_enrolled: false, chappy_17: false },
        education: { benefit_type: null, months_remaining: null, expiration_date: null, transferred: false },
        survivor: { sgli_amount: null, vgli_amount: null },
        dd214Stored: false, vaRating: null, notes: '',
      },
      property: {
        properties: [{
          id: uuid('prop'),
          label: 'Kamakura home (primary residence, paid off)',
          country: 'JP', currency: 'JPY', type: 'primary_residence',
          purchase_date: isoDateYearsAgo(15),
          purchase_price_native: 42_000_000, current_value_native: 58_000_000,
          address: '3-3-3 Sample-machi, Sample-ku, Kamakura 248-0000',
          square_meters: 96, structure_type: 'wood',
          mortgage_balance_native: 0, mortgage_rate_pct: 0, mortgage_remaining_years: 0,
          annual_property_tax_native: 132000, annual_city_tax_native: 17000,
          annual_insurance_native: 28000, monthly_maintenance_native: 0,
          rental_status: null, monthly_rent_native: null, annual_rental_expenses_native: null,
          depreciation_started_year: null, depreciation_basis_native: null,
          planned_sale_year: null, lived_2_of_5_years: null,
          is_residential_for_inheritance: true,
          notes: 'Mortgage paid off 4 years ago. Single-family home, walking distance to station.',
          created_at: now,
        }],
        preferences: { show_summary_currency: 'usd' },
      },
      resident: {
        residency: {
          arrival_date: isoDateYearsAgo(18),
          juminhyo_date: isoDateYearsAgo(18),
          visa_status: 'permanent', permanent_residency: true,
          pr_application_filed: isoDateYearsAgo(15),
        },
        furusato: { prior_year_income_jpy: 5_400_000, prior_year_dependents: 1, donations_planned_jpy: 80000 },
        mortgage: { has_jp_mortgage: false, purchase_year: null, loan_balance_jpy: null, loan_type: null },
        nhi: { enrolled: true, prior_year_assessment_jpy: 540000 },
      },
      healthcare: {
        medicare: {
          // Classic JP-resident retiree pattern: A is free + automatic
          // at 65, B was declined to avoid the $202.90/mo premium for
          // care that doesn't cover JP. Late-enrollment penalty
          // accepted as the cost of this strategy.
          enrolled_a: true, enrolled_b: false, enrolled_d: false,
          part_b_premium_monthly_usd: null,
          part_b_decision: 'declined',
          part_b_decision_notes: 'Declined Part B since arrival in JP — care covered by NHI. Late-enrollment penalty accepted.',
          irmaa_tier: null,
        },
        ltc: { applies: true, care_level: null, monthly_premium_jpy: 7200,
          funding_strategy_notes: '介護保険 active — both spouses enrolled.' },
        end_of_life: { organ_donor_us: true, organ_donor_jp: true,
          dnr_preference: 'yes',
          funeral_preference_notes: 'Cremation. Kamakura family plot. Buddhist service.' },
        private: { type: 'none', custom_name: '', monthly_premium_usd: null,
          monthly_premium_jpy: null, employer_paid: null, notes: '' },
        monthly_budget: { nhi_jpy: 45000, shi_jpy: null,
          tricare_usd: null, medicare_b_usd: null, medicare_d_usd: null,
          ltc_jpy: 7200, private_us_usd: null, notes: '' },
        coverage_types: ['nhi', 'medicare'],
      },
      health_tracker: {
        exams: [{
          id: uuid('exam'),
          date: isoDateMonthsAhead(-2).slice(0, 10),
          type: 'physical',
          provider: 'Dr. Sample Physician',
          facility: 'Sample Kamakura Clinic',
          location: 'Kamakura',
          vitals: { weight_kg: 71.0, height_cm: 173, bp_systolic: 138, bp_diastolic: 86,
            heart_rate_bpm: 70, temp_c: 36.6, respiratory_rate: 14, spo2_pct: 96, bmi: 23.7 },
          lab_results: [
            { name: 'Total Cholesterol', value: 205, unit: 'mg/dL', range_low: 0, range_high: 200, flag: 'high' },
            { name: 'LDL', value: 128, unit: 'mg/dL', range_low: 0, range_high: 100, flag: 'high' },
            { name: 'HDL', value: 58, unit: 'mg/dL', range_low: 40, range_high: 999, flag: 'normal' },
            { name: 'HbA1c', value: 6.0, unit: '%', range_low: 0, range_high: 5.6, flag: 'high' },
            { name: 'eGFR', value: 68, unit: 'mL/min/1.73m²', range_low: 60, range_high: 999, flag: 'normal' },
          ],
          diagnoses: ['Type 2 diabetes (controlled)', 'Hyperlipidemia (statin-managed)'],
          procedures: ['CMP', 'Lipid panel', 'A1c', 'eGFR'],
          followup: 'Quarterly A1c. Annual physical otherwise stable.',
          notes: '健康診断 — NHI covered.',
        }],
        medications: [
          { id: uuid('med'), name: 'Atorvastatin', generic_name: 'atorvastatin',
            dosage: 20, dosage_unit: 'mg', frequency: 'nightly', route: 'oral',
            started_date: isoDateYearsAgo(6), ended_date: null,
            prescriber: 'Dr. Sample Physician', pharmacy: 'Sample Pharmacy',
            refills_remaining: 5, next_refill_date: isoDateMonthsAhead(2),
            purpose: 'Cholesterol', side_effects: '', notes: '' },
          { id: uuid('med'), name: 'Metformin', generic_name: 'metformin',
            dosage: 500, dosage_unit: 'mg', frequency: 'twice daily with meals', route: 'oral',
            started_date: isoDateYearsAgo(3), ended_date: null,
            prescriber: 'Dr. Sample Physician', pharmacy: 'Sample Pharmacy',
            refills_remaining: 3, next_refill_date: isoDateMonthsAhead(1),
            purpose: 'Type 2 diabetes', side_effects: '', notes: '' },
        ],
        care_plan: {
          primary_concerns: [
            { id: uuid('pc'), text: 'A1c trending — targeting <6.5', severity: 'medium',
              started_date: isoDateYearsAgo(3) },
          ],
          annual_goals: [],
          preventive_screenings_due: [
            { id: uuid('scr'), name: 'Colonoscopy', due_date: isoDateMonthsAhead(4),
              last_done: isoDateYearsAgo(5), interval_years: 5,
              notes: 'Reduced interval due to age + family history.' },
          ],
          specialist_referrals: [], next_appointments: [],
        },
        dental: {
          last_cleaning: isoDateMonthsAhead(-3).slice(0, 10),
          last_xrays: isoDateYearsAgo(2),
          last_perio: isoDateMonthsAhead(-3).slice(0, 10),
          dentist: 'Dr. Sample Dentist',
          clinic: 'Sample Kamakura Dental',
          procedures: [],
          issues_tracked: [],
          providers: [{
            id: uuid('dprov'),
            name_en: 'Sample Kamakura Dental',
            name_jp: 'サンプル鎌倉歯科',
            type: 'dental',
            address: '3-3-3 Sample-machi, Sample-ku, Kamakura 248-0000',
            phone: '0467-XX-XXXX',
            email: '', website: '', hours: 'Mon-Fri 9:00-18:00',
            notes: '', ai_enriched_at: null,
            created_at: now,
          }],
          appointments: [], notes_log: [], teeth: {},
          periodontal: { pockets_4mm_pct: 18, bleeding_on_probing_pct: 12, mobile_teeth: 1 },
        },
        insurance_summary: {
          primary_plan: '国民健康保険 (NHI) — Kamakura-shi',
          member_id_last4: '2001',
          bin: '', pcp_name: 'Dr. Sample Physician', pcp_phone: '0467-XX-XXXX',
          notes: 'Both spouses on NHI through Kamakura city.',
          cards: [],
        },
        preferences: { units: 'metric', track_trends: true, default_lab_panel: 'cmp' },
        episodes: [], invoices: [],
        ui_state: { active_tab: 'dashboard' },
      },
      sofa: {
        profile: { role: '', sofa_status: '', separation_date: '',
          jp_residency_plan: '', juminhyou_target_date: '',
          filing_status: '', spouse_us_person: '', has_minor_children: '', notes: '' },
        tax_assumptions: { us_marginal_pct: null, us_ltcg_pct: null,
          jp_marginal_pct: null, jp_ltcg_pct: 20.315 },
        steps: [],
        acks: { disclaimer_version: '', consulted_cpa: false, consulted_cpa_at: null },
      },
      projections: defaultProjectionsForAge(73, 'mfs', 0, 3200, 65),
      decumulation: {
        retirement_horizon: 'already',
        ss_claiming: {
          chosen_age: 67,
          estimated_monthly_at_chosen_age_usd: 3200,
          spouse_strategy: 'individual',
          notes: 'Started at FRA (67). Would have waited but needed cash flow.',
        },
        jp_pension: {
          kokumin_nenkin_years: 6, kosei_nenkin_years: 12,
          kosei_estimated_monthly_jpy: 110000, kokumin_estimated_monthly_jpy: 32000,
          has_japan_coverage_certificate: false,
          notes: 'Receiving full 国民年金 + 厚生年金 monthly. 18-year combined coverage.',
        },
        withdrawal: {
          jp_resident_at_retirement: true,
          preferred_strategy: 'tax_diversified',
          notes: 'Spend taxable + RMD-required, preserve Roth for spouse + heir basis step-up.',
        },
        rmd_planning: {
          convert_pre_rmd: false,
          qcd_planned: true,
          notes: 'QCD ($105K limit 2026) routes RMD to charity tax-free.',
        },
      },
      tax_coordinator: {
        filing_status: 'mfs', feie_or_ftc_choice: 'ftc',
        jp_filing_responsibility: 'self',
        preparer: {
          name: 'Sample International CPA + Sakura Tax Office (税理士)',
          contact: 'review@example.com',
          notes: 'US side reviewed annually by sample CPA. JP side prepared by local 税理士.',
          next_appointment: isoDateMonthsAhead(2),
        },
        manual_overrides: {
          has_pfic: false, has_foreign_corp: false,
          self_employed: false, paid_jp_tax_prior_year: true,
          has_non_sofa_jp_income: null,
        },
        forms_filed_history: {
          [lastYear]:     ['1040', '1116', 'fbar', '8938'],
          [thisYear - 2]: ['1040', '1116', 'fbar', '8938'],
          [thisYear - 3]: ['1040', '1116', 'fbar', '8938'],
        },
        notes: 'Long history of clean filing. RMD income flows through 1040 line 4b.',
      },
      estate: {
        status: {
          last_beneficiary_review: isoDateMonthsAhead(-3).slice(0, 10),
          last_will_review: isoDateMonthsAhead(-8).slice(0, 10),
          will_us_status: 'updated_recent', will_jp_status: 'kosei_shosho',
          executor_us: HH.child1.name_en, executor_jp: HH.spouse.name_en,
          notes: 'Both wills current. Reviewed last summer. JP 公正証書 遺言 with 司法書士.',
        },
        beneficiaries: { overrides: {} },
        letter_of_instruction: {
          funeral_preferences: 'Cremation. Buddhist service in Kamakura.',
          pet_instructions: '',
          digital_accounts_note: 'Password manager kit in home safe. Spouse + Jamie both have access.',
          important_contacts: [
            { name: 'Sample International CPA', relationship: 'tax professional', role: 'CPA', contact: 'review@example.com' },
            { name: 'Sakura Tax Office', relationship: '税理士', role: '税理士', contact: 'office@example.jp' },
          ],
          additional_notes: 'Worldwide assets in scope under JP 10-year clock — verified with 税理士.',
          last_generated: isoDateMonthsAhead(-6).slice(0, 10),
        },
        jp_inheritance_assumptions: {
          expects_kominka: false, expects_business_succession: false,
          has_jp_real_estate_residence: true,
          estimated_other_jp_assets_jpy: null, estimated_other_us_assets_usd: null,
        },
      },
      documentVault: {
        items: [
          { id: uuid('doc'), category: 'identification', type: 'passport_us',
            title: 'US Passport — ' + HH.primary.name_en,
            person_name: HH.primary.name_en, issuing_authority: 'US Dept of State',
            issue_date: isoDateYearsAgo(7), expiry_date: isoDateMonthsAhead(31),
            reference_number_last4: '2001', storage_location: 'Home safe',
            notes: '', created_at: now, updated_at: now },
          { id: uuid('doc'), category: 'immigration', type: 'residence_card_jp',
            title: '在留カード (Permanent Resident)',
            person_name: HH.primary.name_en, issuing_authority: '入国管理局',
            issue_date: isoDateYearsAgo(2), expiry_date: isoDateMonthsAhead(54),
            reference_number_last4: '2002', storage_location: 'Carry — wallet',
            notes: '', created_at: now, updated_at: now },
          { id: uuid('doc'), category: 'estate', type: 'will',
            title: 'US Will (executed, current)',
            person_name: HH.primary.name_en, issuing_authority: 'California',
            issue_date: isoDateMonthsAhead(-8).slice(0, 10), expiry_date: null,
            reference_number_last4: '', storage_location: 'Home safe + attorney + Jamie',
            notes: 'Updated last summer.', created_at: now, updated_at: now },
          { id: uuid('doc'), category: 'estate', type: 'will',
            title: '公正証書遺言 (JP Will, current)',
            person_name: HH.primary.name_en, issuing_authority: '横浜公証役場',
            issue_date: isoDateYearsAgo(1), expiry_date: null,
            reference_number_last4: '', storage_location: '横浜公証役場 + copy at home',
            notes: '', created_at: now, updated_at: now },
          { id: uuid('doc'), category: 'estate', type: 'poa',
            title: 'Power of Attorney — Tomoko Demo',
            person_name: HH.primary.name_en, issuing_authority: 'California notary',
            issue_date: isoDateYearsAgo(2), expiry_date: null,
            reference_number_last4: '', storage_location: 'Home safe',
            notes: 'Spouse holds POA. Jamie is contingent.',
            created_at: now, updated_at: now },
          { id: uuid('doc'), category: 'tax', type: 'tax_return_us',
            title: lastYear + ' Form 1040 (filed)',
            person_name: HH.primary.name_en, issuing_authority: 'IRS',
            issue_date: thisYear + '-03-12', expiry_date: null,
            reference_number_last4: '', storage_location: 'Cloud — encrypted Drive',
            notes: '', created_at: now, updated_at: now },
          { id: uuid('doc'), category: 'tax', type: 'tax_return_jp',
            title: lastYear + ' 確定申告書 (filed)',
            person_name: HH.primary.name_en, issuing_authority: '国税庁',
            issue_date: thisYear + '-03-10', expiry_date: null,
            reference_number_last4: '', storage_location: 'Cloud — encrypted Drive',
            notes: '', created_at: now, updated_at: now },
        ],
      },
      consultations: {
        professionals: [
          { id: 'pro-cpa-r2', name: 'Sample International CPA',
            type: 'cpa_intl', firm: 'Sample Expat Tax (annual review)',
            contact: 'review@example.com',
            city: 'Remote — US', jurisdiction: 'US',
            specialty: 'Retiree 1040 + Form 8938 + RMD review',
            retainer_status: 'annual', notes: '',
            created_at: now, updated_at: now },
          { id: 'pro-zeirishi', name: 'Sakura Tax Office',
            type: 'zeirishi', firm: 'Sakura Tax Office',
            contact: 'office@example.jp',
            city: 'Yokohama', jurisdiction: 'JP',
            specialty: '確定申告 for foreign-resident retirees, 相続税 planning',
            retainer_status: 'annual', notes: '',
            created_at: now, updated_at: now },
        ],
        consultations: [{
          id: uuid('cns'), professional_id: 'pro-zeirishi',
          date: isoDateMonthsAhead(-9).slice(0, 10),
          topic: '相続税 simulation under 10-year worldwide-asset rule',
          summary: 'Confirmed worldwide assets in scope. Estimated 相続税 burden + recommended 暦年贈与 to spouse over remaining years.',
          follow_up_needed: true, follow_up_date: isoDateMonthsAhead(3),
          related_module: 'estate', notes: '',
        }],
        suggested_starting_point: null,
      },
      fx_banking: defaultFxBanking(['wise', 'broker'], 1500, 240000),
      action_center: { dismissed: {} },
      net_worth: defaultNetWorth(),
      sharing: defaultSharing(),
      ai_assistant: defaultAiAssistant(),
      settings: defaultSettings(),
    };
  }

  // ─── Profile D: Active duty military with JP spouse ──────────────
  function buildActiveMilitaryProfile() {
    const now = isoDateNow();
    const thisYear = new Date().getFullYear();
    const lastYear = thisYear - 1;

    const HH = {
      primary: { name_en: 'Casey Demo',  name_jp: 'ケイシー デモ', birth_year: thisYear - 32 },
      spouse:  { name_en: 'Sayaka Demo', name_jp: 'デモ さやか',   birth_year: thisYear - 30 },
    };
    const idCasey = 'fam-casey', idSayaka = 'fam-sayaka';
    const acctTsp     = 'acct-d-tsp';
    const acctRoth    = 'acct-d-roth-ira';
    const acctHsa     = 'acct-d-hsa';
    const acctSchwab  = 'acct-d-schwab-checking';
    const acctSony    = 'acct-d-sony-bank';

    return {
      version: 4,
      _demo: { loaded_at: now, profile: 'active_mil',
        household: HH.primary.name_en + ' / ' + HH.spouse.name_en },
      profile: { displayName: HH.primary.name_en, displayNameJa: HH.primary.name_jp },
      onboarding: {
        complete: true, completedAt: now,
        answers: {
          display_name: HH.primary.name_en, display_name_ja: HH.primary.name_jp,
          birth_year: String(HH.primary.birth_year),
          biological_sex: 'female',
          citizenship: 'us_only',
          in_japan: 'yes', years_in_japan: '1_to_5',
          visa: 'sofa',
          // juminhyo skipped via showIf for SOFA
          employment: 'dod_active',
          veteran: 'active',
          // separation_date skipped for active-duty via showIf
          tax_status: 'sofa_no_file',
          non_sofa_jp_income: 'no',
          family: ['jp_spouse'],
          real_estate: 'no',
          jp_filing_responsibility: 'spouse',
          healthcare_coverage: ['tricare'],
          retirement_horizon: 'gt30y',
          fx_platforms: ['usaa', 'wise'],
          ai_consent: 'per_call',
          consultations_history: 'no_diy',
          pfic_holdings: 'no',
          medicare_status: 'not_yet',
          renunciation_status: 'never',
        },
      },
      tracks: ['sofa', 'veteran', 'family'],
      modules: { unlocked: [] },
      assets: {
        accounts: [
          { id: acctTsp, institution: 'Thrift Savings Plan', name: 'TSP — active duty',
            country: 'US', tax_wrapper: 'traditional_401k_tsp', currency: 'USD',
            balance_native: 58000, basis_native: null,
            notes: 'Currently contributing 15%. C/S/I split, no L fund.',
            updated_at: now, active: true, include_in_sofa: true,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '3001',
            allocation: { equity_us: 0.7, equity_intl: 0.25, bond: 0.05, cash: 0, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
          { id: acctRoth, institution: 'Vanguard', name: 'Roth IRA',
            country: 'US', tax_wrapper: 'roth_ira', currency: 'USD',
            balance_native: 14500, basis_native: null,
            notes: 'Maxing $7K/year since age 28.',
            updated_at: now, active: true, include_in_sofa: true,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '3002',
            allocation: { equity_us: 0.85, equity_intl: 0.15, bond: 0, cash: 0, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
          { id: acctHsa, institution: 'HSA Bank', name: 'HSA',
            country: 'US', tax_wrapper: 'hsa', currency: 'USD',
            balance_native: 4200, basis_native: null,
            notes: 'Building. Investing once balance exceeds $5K threshold.',
            updated_at: now, active: true, include_in_sofa: true,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '3003',
            allocation: { equity_us: 0, equity_intl: 0, bond: 0, cash: 1, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
          { id: acctSchwab, institution: 'Charles Schwab',
            name: 'High-yield checking (US)',
            country: 'US', tax_wrapper: 'other', currency: 'USD',
            balance_native: 8200, basis_native: null,
            notes: 'No-fee international ATM. Daily expenses.',
            updated_at: now, active: true, include_in_sofa: true,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '3004',
            allocation: { equity_us: 0, equity_intl: 0, bond: 0, cash: 1, real_estate: 0, alternative: 0 },
            fbar_account_id: null },
          { id: acctSony, institution: 'Sony Bank',
            name: '普通預金 (joint with spouse)',
            country: 'JP', tax_wrapper: 'jp_savings', currency: 'JPY',
            balance_native: 1_200_000, basis_native: null,
            notes: 'Spouse-side daily expenses. Stays under FBAR threshold.',
            updated_at: now, active: true, include_in_sofa: true,
            close_date: null, transfer_to: null,
            beneficiary: HH.spouse.name_en,
            account_number_last4: '3005',
            allocation: { equity_us: 0, equity_intl: 0, bond: 0, cash: 1, real_estate: 0, alternative: 0 },
            fbar_account_id: 'fbar-d-sony' },
        ],
        target_allocation: null,
        snapshots: [],
      },
      fbar: {
        // FBAR not currently required (single JP account well under
        // $10K). Filer added so onboarding is complete; no balance
        // history yet. Surfaces the "monitor — within sight of
        // threshold" status.
        filers: [{
          id: 'fbar-d-filer', name_en: HH.primary.name_en, name_jp: HH.primary.name_jp,
          ssn_last4: '3001', dob: HH.primary.birth_year + '-01-30', relationship: 'self',
          isMinor: false, isUSPerson: true,
          filing_address: 'Yokota AB, FPO AP 96328',
          notes: 'Active duty SOFA — JP residence not on 住民票.',
        }],
        accounts: [
          { id: 'fbar-d-sony', filer_ids: ['fbar-d-filer'],
            account_type: 'savings', institution_name: 'Sony Bank',
            institution_address: '1-1-1 Sample, Minato-ku, Tokyo, JAPAN',
            account_number_masked: '*******3005', account_number_full: 'DEMO000003005',
            currency: 'JPY', country: 'JP',
            opened_year: thisYear - 3, closed_year: null,
            signatory_only: false, notes: 'Joint with spouse. Stays under threshold.' },
        ],
        yearly_balances: [
          { id: uuid('fb-bal'), account_id: 'fbar-d-sony',
            year: lastYear, max_balance_native: 1_350_000, max_balance_date: lastYear + '-08-15',
            fx_rate_used: 149.50, fx_rate_source: 'Treasury', fx_rate_overridden: false,
            max_balance_usd: Math.round(1350000 / 149.50), notes: 'Below $10K threshold — FBAR not triggered.' },
        ],
        filing_history: [],
      },
      family: {
        members: [
          { id: idCasey, relationship: 'self',
            name_en: HH.primary.name_en, name_jp: HH.primary.name_jp,
            birth_date: HH.primary.birth_year + '-01-30',
            citizenships: ['US'], jp_resident: true, ssn_or_itin: 'ssn',
            passport_us: { number_last4: '3001', expires: isoDateMonthsAhead(64), renewed_at: isoDateYearsAgo(2) },
            passport_jp: { number_last4: '', expires: null, renewed_at: null },
            nationality_choice_made: null, notes: '',
            created_at: now, updated_at: now },
          { id: idSayaka, relationship: 'spouse',
            name_en: HH.spouse.name_en, name_jp: HH.spouse.name_jp,
            birth_date: HH.spouse.birth_year + '-04-18',
            citizenships: ['JP'], jp_resident: true, ssn_or_itin: 'itin',
            passport_us: { number_last4: '', expires: null, renewed_at: null },
            passport_jp: { number_last4: '3002', expires: isoDateMonthsAhead(28), renewed_at: isoDateYearsAgo(5) },
            nationality_choice_made: null, is_emergency_contact: true,
            notes: 'JP-side filing handled by spouse (small income from part-time work).',
            created_at: now, updated_at: now },
        ],
        renunciation: { contemplating: false, target_year: null,
          consultation_complete: false, estimated_net_worth_usd: null,
          estimated_avg_tax_5y_usd: null, notes: '' },
        gifts_log: [],
      },
      veteran: {
        service: {
          branch: 'army', component: 'active',
          entry_date: (HH.primary.birth_year + 22) + '-09-15',
          discharge_date: null,
          discharge_type: null,
          final_rank: 'SGT (E-5)',
          mos_rating: '25B — Information Technology Specialist',
          retired: false,
        },
        disability: {
          overall_rating_pct: 0, monthly_compensation_usd: 0,
          individual_unemployability: false, last_evaluation_date: null,
          conditions: [],
        },
        healthcare: {
          tricare_eligible: true, tricare_plan: 'prime',
          fmp_enrolled: false, chappy_17: false,
        },
        education: {
          benefit_type: 'post_911', months_remaining: 36,
          expiration_date: null, transferred: false,
        },
        survivor: { sgli_amount: 500000, vgli_amount: null },
        dd214Stored: false, vaRating: null,
        notes: 'Active duty — full SGLI active. VGLI conversion not yet relevant.',
      },
      property: { properties: [], preferences: { show_summary_currency: 'usd' } },
      resident: {
        residency: { arrival_date: isoDateYearsAgo(4), juminhyo_date: null,
          visa_status: null, permanent_residency: false, pr_application_filed: null },
        furusato: { prior_year_income_jpy: null, prior_year_dependents: 0, donations_planned_jpy: 0 },
        mortgage: { has_jp_mortgage: false, purchase_year: null, loan_balance_jpy: null, loan_type: null },
        nhi: { enrolled: false, prior_year_assessment_jpy: null },
      },
      healthcare: {
        medicare: { enrolled_a: false, enrolled_b: false, enrolled_d: false,
          part_b_premium_monthly_usd: null, part_b_decision: null,
          part_b_decision_notes: '', irmaa_tier: null },
        ltc: { applies: false, care_level: null, monthly_premium_jpy: null,
          funding_strategy_notes: 'Under 40 — 介護保険 not yet applicable.' },
        end_of_life: { organ_donor_us: true, organ_donor_jp: null,
          dnr_preference: null, funeral_preference_notes: '' },
        private: { type: 'none', custom_name: '', monthly_premium_usd: null,
          monthly_premium_jpy: null, employer_paid: null,
          notes: 'TRICARE Prime via active duty — no private layer needed.' },
        monthly_budget: { nhi_jpy: null, shi_jpy: null,
          tricare_usd: 0, medicare_b_usd: null, medicare_d_usd: null,
          ltc_jpy: null, private_us_usd: null, notes: 'TRICARE Prime free for active duty.' },
        coverage_types: ['tricare'],
      },
      health_tracker: {
        exams: [{
          id: uuid('exam'),
          date: isoDateMonthsAhead(-1).slice(0, 10),
          type: 'physical',
          provider: 'Dr. Sample Military Physician',
          facility: 'Sample MTF (Military Treatment Facility)',
          location: 'Yokota AB',
          vitals: { weight_kg: 62.0, height_cm: 165, bp_systolic: 116, bp_diastolic: 72,
            heart_rate_bpm: 58, temp_c: 36.4, respiratory_rate: 12, spo2_pct: 99, bmi: 22.8 },
          lab_results: [
            { name: 'Total Cholesterol', value: 162, unit: 'mg/dL', range_low: 0, range_high: 200, flag: 'normal' },
            { name: 'LDL', value: 88, unit: 'mg/dL', range_low: 0, range_high: 100, flag: 'normal' },
            { name: 'HDL', value: 62, unit: 'mg/dL', range_low: 40, range_high: 999, flag: 'normal' },
            { name: 'HbA1c', value: 5.1, unit: '%', range_low: 0, range_high: 5.6, flag: 'normal' },
          ],
          diagnoses: [],
          procedures: ['Annual PHA', 'Lipid panel', 'A1c'],
          followup: 'Routine. Cleared for full duty.',
          notes: 'Annual PHA at MTF.',
        }],
        medications: [],
        care_plan: {
          primary_concerns: [], annual_goals: [],
          preventive_screenings_due: [],
          specialist_referrals: [], next_appointments: [],
        },
        dental: {
          last_cleaning: isoDateMonthsAhead(-4).slice(0, 10),
          last_xrays: isoDateMonthsAhead(-4).slice(0, 10),
          last_perio: null,
          dentist: '', clinic: 'Sample MTF Dental',
          procedures: [], issues_tracked: [],
          providers: [], appointments: [], notes_log: [], teeth: {},
          periodontal: {},
        },
        insurance_summary: {
          primary_plan: 'TRICARE Prime (active duty)',
          member_id_last4: '3001',
          bin: '', pcp_name: 'Dr. Sample Military Physician', pcp_phone: '+81-3-XXXX-XXXX',
          notes: 'Active duty + dependent — TRICARE Prime.',
          cards: [],
        },
        preferences: { units: 'metric', track_trends: true, default_lab_panel: 'cmp' },
        episodes: [], invoices: [],
        ui_state: { active_tab: 'dashboard' },
      },
      sofa: {
        profile: {
          role: 'military',
          sofa_status: 'active',
          separation_date: '',
          jp_residency_plan: 'undecided',
          juminhyou_target_date: '',
          filing_status: 'mfs',
          spouse_us_person: 'no',
          has_minor_children: 'no',
          notes: 'Active duty. Considering staying in JP after separation but not committed.',
        },
        tax_assumptions: {
          us_marginal_pct: 12, us_ltcg_pct: 0,  // 0% LTCG bracket while active enlisted
          jp_marginal_pct: 23, jp_ltcg_pct: 20.315,
        },
        steps: [],
        acks: { disclaimer_version: 'v0.3.0', consulted_cpa: false, consulted_cpa_at: null },
      },
      projections: defaultProjectionsForAge(32, 'mfs', 58000, 4200, 60),
      decumulation: {
        retirement_horizon: 'gt30y',
        ss_claiming: { chosen_age: null, estimated_monthly_at_chosen_age_usd: null,
          spouse_strategy: null, notes: '30+ years out — revisit closer to 50.' },
        jp_pension: { kokumin_nenkin_years: null, kosei_nenkin_years: null,
          kosei_estimated_monthly_jpy: null, kokumin_estimated_monthly_jpy: null,
          has_japan_coverage_certificate: true,
          notes: 'SOFA — covered by US SS via totalization agreement.' },
        withdrawal: { jp_resident_at_retirement: null, preferred_strategy: null,
          notes: '' },
        rmd_planning: { convert_pre_rmd: null, qcd_planned: null, notes: '' },
      },
      tax_coordinator: {
        filing_status: 'mfs', feie_or_ftc_choice: 'undecided',
        jp_filing_responsibility: 'spouse',
        preparer: {
          name: 'MilTax (free military tax software)',
          contact: '',
          notes: 'Self-files via MilTax annually. No CPA yet.',
          next_appointment: null,
        },
        manual_overrides: {
          has_pfic: false, has_foreign_corp: false,
          self_employed: false, paid_jp_tax_prior_year: false,
          has_non_sofa_jp_income: false,
        },
        forms_filed_history: { [lastYear]: ['1040'] },
        notes: 'Simple return — W-2 + small spouse interest. No FBAR yet (under threshold).',
      },
      estate: {
        status: {
          last_beneficiary_review: isoDateYearsAgo(1),
          last_will_review: null,
          will_us_status: 'none', will_jp_status: 'none',
          executor_us: '', executor_jp: '',
          notes: 'Young household — no will yet. Tool flagged this as a SOFA-status priority.',
        },
        beneficiaries: { overrides: {} },
        letter_of_instruction: {
          funeral_preferences: '',
          pet_instructions: '',
          digital_accounts_note: '',
          important_contacts: [],
          additional_notes: '', last_generated: null,
        },
        jp_inheritance_assumptions: {
          expects_kominka: false, expects_business_succession: false,
          has_jp_real_estate_residence: false,
          estimated_other_jp_assets_jpy: null, estimated_other_us_assets_usd: null,
        },
      },
      documentVault: {
        items: [
          { id: uuid('doc'), category: 'identification', type: 'passport_us',
            title: 'US Passport — ' + HH.primary.name_en,
            person_name: HH.primary.name_en, issuing_authority: 'US Dept of State',
            issue_date: isoDateYearsAgo(2), expiry_date: isoDateMonthsAhead(64),
            reference_number_last4: '3001', storage_location: 'Home — locked drawer',
            notes: '', created_at: now, updated_at: now },
          { id: uuid('doc'), category: 'military_sofa', type: 'sofa_orders',
            title: 'SOFA orders + dependent ID',
            person_name: HH.primary.name_en, issuing_authority: 'US Army',
            issue_date: isoDateYearsAgo(4), expiry_date: null,
            reference_number_last4: '', storage_location: 'Home — locked drawer + base copy',
            notes: '', created_at: now, updated_at: now },
        ],
      },
      consultations: { professionals: [], consultations: [], suggested_starting_point: null },
      fx_banking: defaultFxBanking(['usaa', 'wise'], 800, 120000),
      action_center: { dismissed: {} },
      net_worth: defaultNetWorth(),
      sharing: defaultSharing(),
      ai_assistant: defaultAiAssistant(),
      settings: defaultSettings(),
    };
  }

  // ─── Defaults shared by both profiles ─────────────────────────────
  function defaultProjectionsForAge(currentAge, filingStatus, salary, ssMonthly, retireAge) {
    return {
      inputs: {
        base_salary_usd: salary, salary_growth_pct: 3.0,
        contrib_401k_pct: 15.0, catch_up_at_50: true, employer_match_max_pct: 6.0,
        current_age: currentAge, retire_age: retireAge,
        ss_start_age: 70, ss_monthly_at_70_usd: ssMonthly,
        withdrawal_rate_pct: 4.0, monthly_target_usd: null,
        growth_equity_us_pct: 7.0, growth_equity_intl_pct: 6.0,
        growth_bond_pct: 4.0, growth_cash_pct: 4.5,
        growth_real_estate_pct: 4.0, growth_alternative_pct: 6.0,
        retirement_growth_dampener_pct: 70, retirement_growth_floor_pct: 4.0,
        drawdown_order: [
          'taxable_brokerage', 'us_savings', 'us_checking',
          'jp_savings', 'jp_checking', 'jp_fixed_deposit',
          'traditional_ira', 'traditional_401k_tsp',
          'hsa', 'roth_ira', 'roth_401k',
          '529', 'us_real_estate',
          'rsu_unvested', 'nso_iso', 'deferred_comp', 'other',
        ],
        project_to_age: 95, roth_conversions: [],
        filing_status: filingStatus, state_tax_pct: 0,
        niit_enabled: true, irmaa_enabled: true,
        medicare_part_b_base_monthly: 202.90,
        ss_cola_pct: 2.5,
        bonus_month: 3, bonus_pct_of_salary: 8,
        rsu_vest_months: [],
      },
      ui_state: {
        active_tab: 'projection', chart_mode: 'full',
        scenario_id: null, inflation_view: 'nominal',
        inflation_pct: 2.5, year_filter: null,
        chart_hover_year: null, primary_currency: 'usd',
      },
      scenarios: [],
    };
  }
  function defaultFxBanking(platforms, monthlyUsd, monthlyJpy) {
    return {
      rate_alerts: [{
        id: uuid('alert'), direction: 'gt',
        threshold_jpy_per_usd: 162, active: true,
        last_triggered_at: null,
        label: 'Convert savings to JPY if rate goes above ¥162',
      }],
      preferences: {
        primary_platform: platforms[0] || 'wise',
        monthly_estimate_usd: monthlyUsd,
        show_all_platforms: false,
        calc_direction: 'usd_to_jpy',
        monthly_estimate_jpy: monthlyJpy,
      },
      recorded_fees: {}, platforms_used: platforms,
    };
  }
  function defaultNetWorth() {
    return {
      preferences: {
        chart_currency: 'usd', chart_range: 'all',
        auto_snapshot_on_fbar: true, auto_snapshot_year_end: true,
      },
      reviews: [], annual_reports: [],
    };
  }
  function defaultSharing() {
    return {
      shares_log: [],
      preferences: {
        spouse_include_balances: true,
        spouse_include_documents: true,
        spouse_include_action_items: true,
        advisor_include_balances: true,
        advisor_include_documents_list: true,
        advisor_anonymize_family: false,
      },
    };
  }
  function defaultAiAssistant() {
    return {
      conversations: [], active_conversation_id: null,
      preferences: {
        include_full_state: true, max_state_chars: 8000,
        suggested_questions_dismissed: false, show_disclaimer: true,
      },
    };
  }
  function defaultSettings() {
    return {
      apiKey: '', model: 'claude-sonnet-4-6', language: 'en',
      lastExportAt: null, disclaimer_acks: {},
      module_customizations: {}, dashboard_modules: {},
      usage: {
        daily: {}, daily_limit_usd: 5,
        all_time: {
          input_tokens: 0, output_tokens: 0, cost_usd: 0, calls: 0,
          by_feature: {}, by_model: {},
        },
      },
      fx: {},
    };
  }

  // ─── Dispatch ─────────────────────────────────────────────────────
  function buildSampleState(profileId) {
    if (profileId === 'resident')   return buildResidentProfile();
    if (profileId === 'retiree')    return buildRetireeProfile();
    if (profileId === 'active_mil') return buildActiveMilitaryProfile();
    // Default and back-compat: 'sofa' is the original demo.
    return buildSofaProfile();
  }

  function activeProfile() {
    try {
      const raw = localStorage.getItem(TB.state.STORAGE_KEY);
      if (!raw) return null;
      const parsed = JSON.parse(raw);
      return parsed && parsed._demo ? (parsed._demo.profile || 'sofa') : null;
    } catch (_) { return null; }
  }

  function isDemoActive() { return !!activeProfile(); }

  function loadProfile(profileId) {
    const state = buildSampleState(profileId);
    TB.state.import(JSON.stringify(state));
    location.reload();
  }

  function loadInteractive() {
    openProfilePicker();
  }

  function exit() {
    const t = (TB.i18n && TB.i18n.t) ? TB.i18n.t : ((k) => k);
    if (!confirm(t('demo.confirm.exit'))) return;
    TB.state.clearAll();
    location.reload();
  }

  // ─── Profile picker modal ─────────────────────────────────────────
  function openProfilePicker() {
    const t = (TB.i18n && TB.i18n.t) ? TB.i18n.t : ((k) => k);
    const lang = (TB.i18n && TB.i18n.getLang) ? TB.i18n.getLang() : 'en';
    let root = document.getElementById('tb-modal-root');
    if (!root) {
      root = document.createElement('div');
      root.id = 'tb-modal-root';
      document.body.appendChild(root);
    }
    const el = (TB.utils && TB.utils.el) ? TB.utils.el : null;
    if (!el) return; // shouldn't happen post-boot
    const backdrop = el('div', { class: 'tb-modal-backdrop' });
    const modal = el('div', {
      class: 'tb-modal',
      style: { maxWidth: '640px', maxHeight: '88vh', overflow: 'auto' },
      role: 'dialog', 'aria-modal': 'true',
    });
    backdrop.appendChild(modal);
    function close() { root.innerHTML = ''; }
    backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

    modal.appendChild(el('div', {
      style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline',
        marginBottom: 'var(--tb-sp-3)', gap: 'var(--tb-sp-3)' },
    },
      el('h2', { style: { margin: 0 } }, '🧪 ' + t('demo.picker.title')),
      el('button', {
        class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 10px' },
        onclick: close, 'aria-label': t('overlay.close'),
      }, '✕'),
    ));
    modal.appendChild(el('p', null, t('demo.picker.intro')));
    modal.appendChild(el('p', { class: 'tb-field-help' }, t('demo.picker.warning')));

    PROFILES.forEach((p) => {
      const label = lang === 'ja' ? p.label_jp : p.label_en;
      const desc  = lang === 'ja' ? p.desc_jp  : p.desc_en;
      modal.appendChild(el('div', {
        style: {
          marginTop: 'var(--tb-sp-3)', padding: 'var(--tb-sp-3)',
          background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-2)',
          borderLeft: '4px solid var(--tb-accent, var(--tb-track-fx))',
        },
      },
        el('div', { style: { display: 'flex', justifyContent: 'space-between',
          alignItems: 'baseline', gap: 'var(--tb-sp-2)', flexWrap: 'wrap' } },
          el('div', { style: { fontWeight: '700', fontSize: 'var(--tb-fs-16)' } }, label),
          el('button', {
            class: 'tb-btn', type: 'button',
            onclick: () => {
              if (!confirm(t('demo.confirm.overwrite'))) return;
              close();
              loadProfile(p.id);
            },
          }, t('demo.picker.load')),
        ),
        el('p', { class: 'tb-card-meta', style: { marginTop: 'var(--tb-sp-2)' } }, desc),
      ));
    });

    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Persistent "DEMO DATA" banner ─────────────────────────────────
  function paintBannerIfDemo() {
    const profileId = activeProfile();
    if (!profileId) return;
    if (document.querySelector('.tb-demo-banner')) return;
    const t = (TB.i18n && TB.i18n.t) ? TB.i18n.t : ((k) => k);
    const lang = (TB.i18n && TB.i18n.getLang) ? TB.i18n.getLang() : 'en';
    const profile = PROFILES.find((p) => p.id === profileId);
    const label = profile
      ? (lang === 'ja' ? profile.label_jp : profile.label_en)
      : profileId;
    const banner = document.createElement('div');
    banner.className = 'tb-demo-banner';
    banner.setAttribute('role', 'status');
    banner.innerHTML =
      '<strong>🧪 ' + t('demo.banner.label') + '</strong> ' +
      '<span>' + t('demo.banner.body', { profile: label }) + '</span>' +
      '<button type="button" class="tb-demo-banner__exit" ' +
        'aria-label="' + t('demo.banner.exit') + '">' +
        t('demo.banner.exit') + ' ✕</button>';
    if (document.body.firstChild) {
      document.body.insertBefore(banner, document.body.firstChild);
    } else {
      document.body.appendChild(banner);
    }
    const exitBtn = banner.querySelector('.tb-demo-banner__exit');
    if (exitBtn) exitBtn.addEventListener('click', exit);
  }

  if (document.readyState === 'loading') {
    document.addEventListener('DOMContentLoaded', paintBannerIfDemo);
  } else {
    paintBannerIfDemo();
  }

  window.TB = window.TB || {};
  window.TB.sampleData = {
    PROFILES,
    buildSampleState, loadProfile, loadInteractive,
    exit, isDemoActive, activeProfile,
  };
})();

</script>

  <!-- Hosted-demo detector. No-op when the page is opened via
       file:// (the intended-for-real-use download mode). When the
       page is served from a non-file:// origin (e.g., GitHub Pages
       at beichhorn-taigan.github.io/taigan-bridge), this:
         1. Pins a red "LIVE DEMO — download for your own data"
            banner at the very top of every page
         2. Auto-loads the SOFA sample profile on first visit so
            users land on a populated state and can't accidentally
            start entering real info into a copy they don't own
       Must load AFTER sample-data.js so TB.sampleData is available. -->
  <script data-source="scripts/hosted-demo.js">
/* Taigan Bridge — hosted-demo.js
 *
 * Adapts the app's behavior when it's running as a hosted preview
 * (e.g., on beichhorn-taigan.github.io/taigan-bridge) rather than as
 * a downloaded local file. The hosted version is for evaluation
 * only — users shouldn't enter real financial data into a copy of
 * the app they don't own.
 *
 * Two behaviors when hosted:
 *
 *   1. Sticky "LIVE DEMO" banner pinned to the very top of every
 *      page, in a distinctive orange-red, with a prominent "Download"
 *      button linking to GitHub Releases. The banner sits ABOVE the
 *      disclaimer banner so it's the first thing the user sees and
 *      the most visually dominant element on the page.
 *
 *   2. Force-load a sample profile on first visit (when localStorage
 *      has no Taigan Bridge state OR has user-entered onboarding
 *      that isn't from the demo). This guarantees the user lands on
 *      a populated, exploration-ready state and can't accidentally
 *      start entering their own info into the hosted version.
 *
 * Detection: any non-file:// origin is treated as hosted. Localhost
 * and 127.0.0.1 are EXCLUDED so the dev server (npm run dev) doesn't
 * trigger the banner during local development.
 *
 * The script is a no-op when the page is opened via file:// (the
 * downloaded, intended-for-real-use mode).
 */
(function () {
  'use strict';

  // ─── Detection ─────────────────────────────────────────────────────
  function isHostedDemo() {
    const loc = window.location || {};
    const protocol = String(loc.protocol || '').toLowerCase();
    // file:// downloads are the "real use" mode — skip everything.
    if (protocol === 'file:') return false;
    const host = String(loc.hostname || '').toLowerCase();
    // Local dev server (http-server on localhost:4747) should behave
    // like a normal install for the developer's testing experience.
    if (host === 'localhost' || host === '127.0.0.1' || host === '::1' ||
        host.endsWith('.localhost')) return false;
    // Everything else served over http(s) is treated as hosted demo.
    return protocol === 'http:' || protocol === 'https:';
  }

  if (!isHostedDemo()) return;

  // ─── Force-load demo state if user has nothing useful loaded ───────
  // Runs BEFORE the banner is painted so the page lands in the
  // populated demo state on first visit. Uses sample-data.js's
  // buildSampleState builder and TB.state.import directly to avoid
  // the confirm() dialog that loadInteractive() would trigger.
  function ensureDemoLoaded() {
    if (!window.TB || !TB.state || !TB.sampleData) return;
    // Already in a demo profile? Leave it alone — user may have
    // picked a different one to explore.
    if (TB.sampleData.isDemoActive && TB.sampleData.isDemoActive()) return;
    // No state at all (fresh visit) — load the SOFA profile as the
    // default landing experience.
    const raw = (() => {
      try { return localStorage.getItem(TB.state.STORAGE_KEY); }
      catch (_) { return null; }
    })();
    let shouldLoad = false;
    if (!raw) {
      shouldLoad = true;
    } else {
      try {
        const parsed = JSON.parse(raw);
        // User entered onboarding info that isn't from a demo —
        // overwrite it with the SOFA profile. On the hosted version
        // user-entered data is unsafe (wrong account, mixed with
        // demo data, no guarantee of persistence).
        if (parsed && parsed.onboarding && parsed.onboarding.complete && !parsed._demo) {
          shouldLoad = true;
        }
      } catch (_) {
        shouldLoad = true;
      }
    }
    if (!shouldLoad) return;
    try {
      const state = TB.sampleData.buildSampleState('sofa');
      TB.state.import(JSON.stringify(state));
    } catch (e) {
      console.warn('[hosted-demo] failed to auto-load demo:', e && e.message);
    }
  }

  // ─── Banner ────────────────────────────────────────────────────────
  // Pinned at the very top of <body>, above the disclaimer banner,
  // above the integrity tamper banner, above everything. Non-
  // dismissable (the whole point is to keep it visible). Includes a
  // clear "Download for your own data" CTA pointing at Releases.
  function paintHostedBanner() {
    if (document.querySelector('.tb-hosted-banner')) return;
    const t = (TB.i18n && TB.i18n.t) ? TB.i18n.t : ((k) => k);
    const RELEASES_URL = 'https://github.com/beichhorn-taigan/taigan-bridge/releases/latest';
    const banner = document.createElement('div');
    banner.className = 'tb-hosted-banner';
    banner.setAttribute('role', 'status');
    banner.innerHTML =
      '<strong>🌐 ' + t('hostedDemo.banner.label') + '</strong>' +
      '<span class="tb-hosted-banner__body">' + t('hostedDemo.banner.body') + '</span>' +
      '<a class="tb-hosted-banner__cta" href="' + RELEASES_URL +
        '" target="_blank" rel="noopener noreferrer">' +
        '⬇ ' + t('hostedDemo.banner.cta') + '</a>';
    if (document.body.firstChild) {
      document.body.insertBefore(banner, document.body.firstChild);
    } else {
      document.body.appendChild(banner);
    }
  }

  function boot() {
    try { ensureDemoLoaded(); } catch (_) { /* never block the page */ }
    try { paintHostedBanner(); } catch (_) { /* never block the page */ }
  }

  if (document.readyState === 'loading') {
    document.addEventListener('DOMContentLoaded', boot);
  } else {
    boot();
  }

  // Expose for debugging
  window.TB = window.TB || {};
  window.TB.hostedDemo = { isHostedDemo };
})();

</script>

  <!-- New-release detector. On non-hosted installs (file:// or local
       http://), opt-in (one-time consent prompt), then checks at
       most once per 24h whether a newer release is published on
       github.io/taigan-bridge/version.js. Uses cross-origin <script>
       injection (not fetch) so it works from file:// where Chrome
       blocks all cross-origin XHR. Shows an inline blue banner under
       the disclaimer when an update is available, dismissable per-
       version. Skipped entirely on the hosted preview (which is, by
       definition, always the latest). Must load AFTER hosted-demo.js
       so TB.hostedDemo.isHostedDemo() is available for the gate. -->
  <script data-source="scripts/update-check.js">
/* Taigan Bridge — update-check.js
 *
 * Lets a downloaded copy of Taigan Bridge learn that a newer release
 * is available without making the kind of fetch() call that file://
 * pages can't perform.
 *
 *   Constraint:  most users open this app as a file:// download, where
 *                Chrome/Edge block all cross-origin fetch/XHR. We can
 *                therefore NOT call api.github.com directly from the
 *                runtime — it works on the dev server and from
 *                github.io, but silently fails for ~90% of real users.
 *
 *   Workaround:  cross-origin <script src=...> tags ARE allowed even
 *                from file://. We publish a tiny version.js (built to
 *                the repo root, committed + tagged each release) and
 *                serve it via jsDelivr from the latest tag. It just
 *                assigns a payload object onto a global. The runtime
 *                injects a <script> tag, waits for onload, and reads
 *                the payload back. Bonus: jsDelivr's public hit stats
 *                give a coarse, anonymous active-install count.
 *
 * Privacy:
 *   - Off by default until the user answers a one-time consent
 *     prompt. The prompt explains exactly what the request is and
 *     what it carries (nothing — just an HTTP GET of a static JS
 *     file, no params, no headers we control).
 *   - "Ask me later" leaves the consent unset so we re-prompt on the
 *     next launch. "Yes" enables; "No" sets enabled=false but
 *     consented=true so we don't keep nagging.
 *   - Settings → "Check for updates" toggle to change the choice
 *     after the fact. A "Check now" button is always available
 *     regardless of the toggle (manual one-shot).
 *
 * Rate-limiting:
 *   - Auto-checks fire at most once per 24h per browser, even if the
 *     toggle is on and the app is launched twenty times that day.
 *   - The version.js URL gets a cache-buster query so we don't see
 *     a stale CDN copy.
 *
 * Banner:
 *   - Inline (NOT sticky) so we don't add yet another fixed strip to
 *     the top of the viewport — disclaimer + tamper + hosted-demo
 *     are already stacking sticky bars there.
 *   - Dismissable per-version: dismissing 0.2.0 doesn't dismiss 0.3.0.
 *
 * Hosted-demo skip:
 *   - The hosted preview at github.io is, by definition, always the
 *     latest. Showing an "update available" banner there would be
 *     nonsensical, so we no-op entirely when isHostedDemo() is true.
 *
 * Schema versioning:
 *   - The payload carries `schema: 1`. Any future format change should
 *     bump this number and old installs will gracefully skip payloads
 *     they don't understand.
 */
(function () {
  'use strict';

  // ─── Constants ─────────────────────────────────────────────────────
  const STATE_NS = 'settings.updateCheck';
  const RELEASES_URL = 'https://github.com/beichhorn-taigan/taigan-bridge/releases/latest';
  // Where version.js lives. Served by jsDelivr from the LATEST release
  // tag (build.js writes version.js at the repo root; it's committed
  // and tagged with each release). Two reasons for jsDelivr over
  // GitHub Pages:
  //   1. jsDelivr publishes public, aggregate hit statistics
  //      (https://data.jsdelivr.com/v1/stats/packages/gh/<owner>/<repo>),
  //      giving a coarse, anonymous active-install signal — no PII,
  //      no backend, no cookies.
  //   2. @latest resolves to the newest semver tag, which is exactly
  //      the version we want to advertise (and matches the
  //      releases/latest download link).
  // Caveat: jsDelivr caches @latest aliases (revalidated; up to ~7d
  // worst case), so a brand-new release can take a little while to be
  // announced to existing installs. Fine for occasional releases.
  const VERSION_URL = 'https://cdn.jsdelivr.net/gh/beichhorn-taigan/taigan-bridge@latest/version.js';
  // 24h between auto-checks (manual "Check now" bypasses this).
  const AUTO_CHECK_INTERVAL_MS = 24 * 60 * 60 * 1000;
  // Payload schema the runtime understands. Bump if the version.js
  // format changes incompatibly.
  const SUPPORTED_SCHEMAS = [1];

  // ─── Helpers ───────────────────────────────────────────────────────
  function isHostedDemo() {
    return !!(window.TB && TB.hostedDemo && TB.hostedDemo.isHostedDemo &&
              TB.hostedDemo.isHostedDemo());
  }

  function getLocalVersion() {
    const m = document.querySelector('meta[name="tb-version"]');
    return m ? String(m.content || '').trim() : '';
  }

  function getState() {
    if (!window.TB || !TB.state) return {};
    return TB.state.get(STATE_NS) || {};
  }
  function patchState(patch) {
    if (!window.TB || !TB.state) return;
    const cur = getState();
    TB.state.set(STATE_NS, Object.assign({}, cur, patch));
  }

  // Tolerant semver-ish compare. Strips any pre-release suffix
  // (`-rc1`, `-beta.2`) so we compare on the stable triple only. We
  // ship stable-only today; if/when prereleases become a thing,
  // version.js should expose a separate `beta` field rather than
  // making this comparator clever.
  function isNewer(remote, local) {
    if (!remote || !local) return false;
    const r = String(remote).split('-')[0].split('.').map((n) => parseInt(n, 10) || 0);
    const l = String(local).split('-')[0].split('.').map((n) => parseInt(n, 10) || 0);
    const len = Math.max(r.length, l.length);
    for (let i = 0; i < len; i++) {
      const ri = r[i] || 0;
      const li = l[i] || 0;
      if (ri > li) return true;
      if (ri < li) return false;
    }
    return false;
  }

  function t(key, vars) {
    return (window.TB && TB.i18n && TB.i18n.t) ? TB.i18n.t(key, vars) : key;
  }

  // ─── Network: load version.js ──────────────────────────────────────
  // Returns a promise that resolves with the payload object, or
  // rejects with an Error. Uses <script> injection (not fetch) so it
  // works from file:// where cross-origin fetch is blocked.
  function loadPayload() {
    return new Promise(function (resolve, reject) {
      // Reset any prior payload so a stale value can't leak through.
      try { window.__TB_UPDATE_PAYLOAD__ = null; } catch (_) {}
      const script = document.createElement('script');
      // Cache-buster so we never read a stale CDN copy. The hosted
      // file is small so the cost of always-fresh fetches is trivial.
      script.src = VERSION_URL + '?_=' + Date.now();
      script.async = true;
      let settled = false;
      const cleanup = function () {
        if (script.parentNode) script.parentNode.removeChild(script);
      };
      const timeout = setTimeout(function () {
        if (settled) return;
        settled = true;
        cleanup();
        reject(new Error('timeout'));
      }, 10000);
      script.onload = function () {
        if (settled) return;
        settled = true;
        clearTimeout(timeout);
        cleanup();
        const payload = window.__TB_UPDATE_PAYLOAD__;
        if (!payload || typeof payload !== 'object') {
          reject(new Error('no payload'));
          return;
        }
        if (SUPPORTED_SCHEMAS.indexOf(payload.schema) === -1) {
          reject(new Error('unsupported schema: ' + payload.schema));
          return;
        }
        resolve(payload);
      };
      script.onerror = function () {
        if (settled) return;
        settled = true;
        clearTimeout(timeout);
        cleanup();
        reject(new Error('network'));
      };
      document.head.appendChild(script);
    });
  }

  // ─── Banner ────────────────────────────────────────────────────────
  // Painted under the disclaimer banner (in document order). Not
  // sticky — we already have 2–3 sticky bars at top.
  function paintBanner(payload) {
    // If the user has dismissed this exact version, respect that.
    const state = getState();
    if (state.dismissedVersion === payload.stable) return;
    // Don't paint twice.
    if (document.querySelector('.tb-update-banner')) return;

    const banner = document.createElement('div');
    banner.className = 'tb-update-banner';
    banner.setAttribute('role', 'status');

    const versionText = payload.stable;
    const dateText = payload.date ? ' · ' + payload.date : '';

    banner.innerHTML =
      '<span class="tb-update-banner__icon" aria-hidden="true">ℹ</span>' +
      '<span class="tb-update-banner__body">' +
        '<strong>' + t('updateCheck.banner.label') + '</strong> ' +
        t('updateCheck.banner.body', { version: versionText }) +
        '<span class="tb-update-banner__meta">' + dateText + '</span>' +
      '</span>' +
      '<span class="tb-update-banner__actions">' +
        '<a class="tb-update-banner__cta" href="' + (payload.url || RELEASES_URL) + '"' +
          ' target="_blank" rel="noopener noreferrer">' +
          '⬇ ' + t('updateCheck.banner.download') + '</a>' +
        '<button type="button" class="tb-update-banner__dismiss" aria-label="' +
          t('updateCheck.banner.dismissAria') + '">' +
          t('updateCheck.banner.dismiss') + '</button>' +
      '</span>';

    banner.querySelector('.tb-update-banner__dismiss').addEventListener('click', function () {
      patchState({ dismissedVersion: payload.stable });
      if (banner.parentNode) banner.parentNode.removeChild(banner);
    });

    // Insert below the disclaimer banner if present, else at the top
    // of <body>. Either way it ends up under the sticky bars.
    const disclaimer = document.querySelector('.tb-disclaimer-banner');
    if (disclaimer && disclaimer.parentNode) {
      disclaimer.parentNode.insertBefore(banner, disclaimer.nextSibling);
    } else if (document.body.firstChild) {
      document.body.insertBefore(banner, document.body.firstChild);
    } else {
      document.body.appendChild(banner);
    }
  }

  function removeBanner() {
    const b = document.querySelector('.tb-update-banner');
    if (b && b.parentNode) b.parentNode.removeChild(b);
  }

  // ─── Consent prompt ────────────────────────────────────────────────
  // Shown once per browser, on the first launch where the user
  // actually has TB.state available (so not before onboarding paint).
  // Uses the same .tb-modal-backdrop / .tb-modal classes as
  // about-overlays.js for visual consistency.
  function showConsentPrompt() {
    // Don't stack multiple consent modals.
    if (document.querySelector('.tb-update-consent-modal')) return;

    let root = document.getElementById('tb-modal-root');
    if (!root) {
      root = document.createElement('div');
      root.id = 'tb-modal-root';
      document.body.appendChild(root);
    }

    const backdrop = document.createElement('div');
    backdrop.className = 'tb-modal-backdrop';

    const modal = document.createElement('div');
    modal.className = 'tb-modal tb-update-consent-modal';
    modal.setAttribute('role', 'dialog');
    modal.setAttribute('aria-modal', 'true');
    modal.style.maxWidth = '540px';

    function close() { root.innerHTML = ''; }

    modal.innerHTML =
      '<h2 style="margin-top:0">' + t('updateCheck.consent.title') + '</h2>' +
      '<p>' + t('updateCheck.consent.body') + '</p>' +
      '<ul style="margin:12px 0 16px 18px; padding:0; line-height:1.55">' +
        '<li>' + t('updateCheck.consent.bullet1') + '</li>' +
        '<li>' + t('updateCheck.consent.bullet2') + '</li>' +
        '<li>' + t('updateCheck.consent.bullet3') + '</li>' +
      '</ul>' +
      '<div class="tb-btn-row" style="justify-content:flex-end; gap:10px; flex-wrap:wrap">' +
        '<button type="button" class="tb-btn tb-btn--ghost" data-act="later">' +
          t('updateCheck.consent.later') + '</button>' +
        '<button type="button" class="tb-btn tb-btn--secondary" data-act="no">' +
          t('updateCheck.consent.no') + '</button>' +
        '<button type="button" class="tb-btn" data-act="yes">' +
          t('updateCheck.consent.yes') + '</button>' +
      '</div>';

    modal.querySelector('[data-act="yes"]').addEventListener('click', function () {
      patchState({ consented: true, enabled: true });
      close();
      // Kick off an immediate check now that they've opted in, so
      // they see the value of the feature on the same launch.
      runAutoCheck(true);
    });
    modal.querySelector('[data-act="no"]').addEventListener('click', function () {
      patchState({ consented: true, enabled: false });
      close();
    });
    modal.querySelector('[data-act="later"]').addEventListener('click', function () {
      // Leave consented unset so we re-prompt on the next launch.
      close();
    });

    backdrop.appendChild(modal);
    root.innerHTML = '';
    root.appendChild(backdrop);
  }

  // ─── Public API ────────────────────────────────────────────────────
  // Manual "Check now" — bypasses the 24h throttle. Used by the
  // Settings card button. Returns a promise that resolves with the
  // payload (or rejects). Surfaces the banner if newer.
  function checkNow() {
    return loadPayload().then(function (payload) {
      patchState({
        lastCheckedAt: new Date().toISOString(),
        lastSeenVersion: payload.stable,
        lastError: null,
      });
      const local = getLocalVersion();
      if (isNewer(payload.stable, local)) {
        // A manual check should always re-show the banner, even if
        // the user dismissed it earlier — they asked for this on
        // purpose by clicking the button.
        removeBanner();
        patchState({ dismissedVersion: null });
        paintBanner(payload);
      }
      return payload;
    }).catch(function (err) {
      patchState({ lastError: String(err && err.message || err) });
      throw err;
    });
  }

  // Automatic check on launch — gated by consent, toggle, throttle,
  // and the hosted-demo skip. silent=true on the post-consent
  // immediate check.
  function runAutoCheck(silent) {
    if (isHostedDemo()) return;
    const state = getState();
    if (!state.consented || !state.enabled) return;
    if (!silent && state.lastCheckedAt) {
      const last = Date.parse(state.lastCheckedAt);
      if (!isNaN(last) && Date.now() - last < AUTO_CHECK_INTERVAL_MS) return;
    }
    loadPayload().then(function (payload) {
      patchState({
        lastCheckedAt: new Date().toISOString(),
        lastSeenVersion: payload.stable,
        lastError: null,
      });
      const local = getLocalVersion();
      if (isNewer(payload.stable, local)) paintBanner(payload);
    }).catch(function (err) {
      // Auto-checks fail silently — no banner, no toast. The error
      // is recorded in state so Settings can show "last check
      // failed" if helpful, but we don't bother the user mid-task.
      patchState({ lastError: String(err && err.message || err) });
    });
  }

  // Re-paint the banner if there's a known newer version sitting in
  // state that the user hasn't dismissed — useful when navigating
  // between modules since the banner is inline, not sticky.
  function repaintIfPending() {
    if (isHostedDemo()) return;
    const state = getState();
    const seen = state.lastSeenVersion;
    if (!seen) return;
    if (state.dismissedVersion === seen) return;
    const local = getLocalVersion();
    if (!isNewer(seen, local)) return;
    if (document.querySelector('.tb-update-banner')) return;
    // Paint a minimal banner from cached state — we don't have the
    // full payload here, so url falls back to /releases/latest.
    paintBanner({
      stable: seen,
      date: state.lastSeenDate || '',
      url: RELEASES_URL,
    });
  }

  // ─── Boot ──────────────────────────────────────────────────────────
  function boot() {
    if (isHostedDemo()) return;
    // Delay slightly so onboarding/setup screens finish painting
    // first — consent modal on a blank app feels jarring.
    setTimeout(function () {
      const state = getState();
      if (state.consented === undefined || state.consented === null) {
        // Only prompt once the user has the app running for ~3s,
        // and only if they've at least cracked the door open
        // (onboarding done, or sample data loaded).
        const ob = (TB.state && TB.state.get('onboarding')) || {};
        const hasData = !!(ob.complete);
        if (hasData) showConsentPrompt();
        // If not, we wait — next launch (post-onboarding) will catch them.
      } else if (state.consented && state.enabled) {
        runAutoCheck(false);
      }
      // Even if disabled, re-paint a previously-found-and-not-
      // dismissed banner so module navigation doesn't lose it.
      repaintIfPending();
    }, 2500);
  }

  // ─── Expose + wire boot ────────────────────────────────────────────
  window.TB = window.TB || {};
  window.TB.updateCheck = {
    checkNow: checkNow,
    isNewer: isNewer,
    getState: getState,
    // Internal hooks settings.js uses.
    _showConsentPrompt: showConsentPrompt,
    _repaintIfPending: repaintIfPending,
    _getLocalVersion: getLocalVersion,
    _RELEASES_URL: RELEASES_URL,
  };

  if (document.readyState === 'loading') {
    document.addEventListener('DOMContentLoaded', boot);
  } else {
    boot();
  }
})();

</script>

  <!-- App boot. Lives inline because it's the glue between all of
       the above and isn't worth its own file. -->
  <script>
  (function () {
    'use strict';

    const VIEW_KEY = 'tb-current-view';

    // Pre-populate language attribute on <html>.
    document.documentElement.setAttribute(
      'lang', TB.i18n.getLang() === 'ja' ? 'ja' : 'en',
    );

    // Modules shown in the dashboard grid. `always` = core modules
    // every onboarded user sees. `conditional` = track-gated modules
    // (sofa-roth, veteran, resident, family, property) that appear
    // when the user's onboarding answers triggered the relevant track.
    //
    // We resolve "is this conditional module visible?" by combining
    // THREE sources (any one trumps):
    //   1. state.modules.unlocked       — set at onboarding finish
    //   2. tracks.assign(answers).modules — RE-derived live from
    //      current onboarding answers, so newly-added conditional
    //      modules auto-appear for existing users without requiring
    //      re-onboarding
    //   3. settings.dashboard_modules.{id} === true — user-forced
    //      show via the "Customize dashboard" panel (lets users
    //      explore modules their onboarding didn't unlock)
    //
    // settings.dashboard_modules.{id} === false hides a conditional
    // module the user explicitly doesn't want.
    // Dashboard module organization. Modules are grouped into 5
    // semantic categories users can scan by intent. Order within each
    // group is most-frequently-used first. Each module has a real
    // one-line description that replaces the generic "Tap to open"
    // copy. Status-specific modules (status track) are grouped together
    // at the bottom to keep universal-utility modules visually primary.
    const MODULE_GROUPS = [
      {
        id: 'tax_compliance',
        label_en: 'Tax & Compliance',
        label_jp: '税務・コンプライアンス',
        modules: [
          { id: 'tax-coordinator', icon: '🗂',
            desc_en: 'Year-round US + JP filing calendar. Auto-detects which forms apply (1040, FBAR, 8938, 8621, 確定申告) from your data.',
            desc_jp: '年間 US + JP 申告カレンダー。データから適用申告書(1040・FBAR・8938・8621・確定申告)を自動判定。' },
          { id: 'fbar', icon: '🏦',
            desc_en: 'Foreign account reporting (FinCEN 114). $10,000 aggregate threshold tracking with multi-filer support.',
            desc_jp: '外国口座報告(FinCEN 114)。$10,000 閾値追跡、複数申告者対応。' },
          { id: 'document-vault', icon: '📂',
            desc_en: 'Inventory of important documents — wills, passports, tax records — with vision-extraction.',
            desc_jp: '重要書類のインベントリ — 遺言・パスポート・税務記録 — 画像抽出対応。' },
        ],
      },
      {
        id: 'wealth_planning',
        label_en: 'Wealth & Planning',
        label_jp: '資産・プランニング',
        modules: [
          { id: 'assets', icon: '💼',
            desc_en: 'All accounts in USD/JPY with FBAR sync, target allocation, snapshots, vision-extraction from statements.',
            desc_jp: '全口座を USD/JPY 表示。FBAR 連携・目標アロケーション・スナップショット・明細書からの画像抽出。' },
          { id: 'net-worth', icon: '📈',
            desc_en: 'Net worth chart over time, year-over-year comparison, annual review wizard, year-end report exports.',
            desc_jp: '純資産推移グラフ・年次比較・年次レビューウィザード・年末レポート出力。' },
          { id: 'projections', icon: '🔮',
            desc_en: 'Long-term financial planning with NIIT, IRMAA, state tax, Roth conversion ladder, scenarios.',
            desc_jp: '長期財務計画:NIIT・IRMAA・州税・Roth 転換ラダー・シナリオ。' },
          { id: 'fx-banking', icon: '💱',
            desc_en: 'Transfer cost calculator, platform comparison, rate alerts, FBAR threshold awareness.',
            desc_jp: '送金コスト計算機・プラットフォーム比較・レートアラート・FBAR 閾値の認識。' },
          { id: 'decumulation', icon: '🌅',
            desc_en: 'Retirement: SS claiming strategy, JP pensions, withdrawal sequence (JP-resident-aware), RMD planning.',
            desc_jp: '退職後:SS 受給戦略・JP 年金・取崩し順序(日本居住考慮)・RMD 計画。' },
        ],
      },
      {
        id: 'family_estate',
        label_en: 'Family & Life Events',
        label_jp: '家族・ライフイベント',
        modules: [
          { id: 'family', icon: '👨‍👩‍👧',
            desc_en: 'Spouse + kids roster, 国籍選択 deadlines, education savings, gift log, US citizenship renunciation planning.',
            desc_jp: '配偶者・子の構成、国籍選択期限、教育費貯蓄、贈与記録、米国市民権放棄計画。' },
          { id: 'estate', icon: '🪦',
            desc_en: 'Cross-border succession: 法定相続人, JP 相続税 estimate, beneficiary review, dual-will strategy, Letter of Instruction.',
            desc_jp: '国境を越える承継:法定相続人・相続税試算・受取人レビュー・デュアル遺言戦略・遺言補足書。' },
          { id: 'healthcare', icon: '🏥',
            desc_en: 'NHI / TRICARE / Medicare / 介護保険 / private intl insurance + end-of-life preferences.',
            desc_jp: 'NHI・TRICARE・Medicare・介護保険・民間海外保険、および終末期希望。' },
          { id: 'health-tracker', icon: '🩺',
            desc_en: 'Exam results, lab values over time, medications, care plan, dental log, preventive screenings. AI vision import for lab PDFs.',
            desc_jp: '受診結果・経時的な検査値・服薬・ケアプラン・歯科記録・予防検診。検査 PDF からの AI 画像取込対応。' },
        ],
      },
      {
        id: 'status_specific',
        label_en: 'Status-Specific',
        label_jp: 'ステータス別',
        modules: [
          { id: 'sofa-roth', icon: '🪖',
            desc_en: 'Pre-住民票 sequencing for Roth conversions + capital gains during the SOFA window.',
            desc_jp: '住民票登録前の Roth 転換・キャピタルゲイン実現の順序計画。' },
          { id: 'veteran', icon: '🎖',
            desc_en: 'Status-aware VA benefits: GI Bill, TRICARE, FMP, SBP, disability rating, deep-dive guides per status.',
            desc_jp: 'ステータス別 VA 給付:GI Bill・TRICARE・FMP・SBP・障害認定・状況別詳細ガイド。' },
          { id: 'resident', icon: '🏘',
            desc_en: 'Long-term JP resident: 永住権 tracker, 確定申告 prep, Furusato Nozei, mortgage credit, NHI.',
            desc_jp: '長期日本居住者:永住権・確定申告準備・ふるさと納税・住宅ローン控除・NHI。' },
          { id: 'property', icon: '🏠',
            desc_en: 'JP + US property holdings with cross-border tax math: 固定資産税, §121 exclusion, depreciation recapture.',
            desc_jp: 'JP + US 不動産保有と国境を越える税務:固定資産税・§121 控除・減価償却の戻し入れ。' },
        ],
      },
      {
        id: 'ai_tools',
        label_en: 'AI & Tools',
        label_jp: 'AI・ツール',
        modules: [
          { id: 'ask-taigan', icon: '💬',
            desc_en: 'AI assistant that knows your full Taigan Bridge state. Ask anything specific to YOUR situation.',
            desc_jp: 'Taigan Bridge の全状態を把握する AI アシスタント。あなたの状況に特化した質問を。' },
          { id: 'consultations', icon: '👔',
            desc_en: 'Track CPAs, 税理士, lawyers, immigration attorneys engaged. Per-consultation log + follow-up reminders.',
            desc_jp: 'CPA・税理士・弁護士・移民専門家の追跡。相談履歴と follow-up リマインダー。' },
          { id: 'sharing-backup', icon: '🤝',
            desc_en: 'Generate shareable HTML for spouse, advisor-only JSON for CPA, "if you\'re reading this" survivor mode, full state backup.',
            desc_jp: '配偶者用 HTML・CPA 用 JSON・遺族向け「これを読んでいる方へ」モード・全状態バックアップを生成。' },
          { id: 'contacts', icon: '📇',
            desc_en: 'Unified address book auto-pulled from every module — banks, doctors, insurance, family, plus VA / Embassy / IRS built-ins. AI enhance fills missing info.',
            desc_jp: '全モジュールから自動収集する統合連絡先 — 銀行・医師・保険・家族 + VA・大使館・IRS の組込連絡先。AI 補完で不足情報を充填。' },
        ],
      },
    ];

    function dashboardModuleIds() {
      const stored = TB.state.get('modules.unlocked') || [];

      // Re-derive from current onboarding answers — heals stale state
      // when modules are added between onboarding and dashboard load.
      let derived = [];
      try {
        const answers = TB.state.get('onboarding.answers') || {};
        if (TB.tracks && typeof TB.tracks.assign === 'function') {
          derived = TB.tracks.assign(answers).modules || [];
        }
      } catch (err) { /* swallow */ }

      const userOverrides = TB.state.get('settings.dashboard_modules') || {};
      const unlocked = new Set([...stored, ...derived]);

      const always = ['action-center', 'ask-taigan', 'tax-coordinator', 'fbar', 'assets', 'projections', 'decumulation', 'document-vault', 'estate', 'net-worth', 'healthcare', 'health-tracker', 'fx-banking', 'sharing-backup', 'consultations', 'contacts'];
      const conditional = ['sofa-roth', 'veteran', 'resident', 'family', 'property'];
      const order = always.concat(conditional);
      return order.filter((id) => {
        if (!TB.modules || !TB.modules[id]) return false;
        // User explicit hide always wins
        if (userOverrides[id] === false) return false;
        // User explicit show always wins
        if (userOverrides[id] === true) return true;
        // Always-on modules
        if (always.indexOf(id) !== -1) return true;
        // Conditional: stored OR re-derived unlocked list
        return unlocked.has(id);
      });
    }

    // Each track maps to a module (when one exists) so clicking the
    // badge at the top of the dashboard opens the relevant module.
    function moduleForTrack(tk) {
      if (tk === 'sofa') return 'sofa-roth';
      if (tk === 'veteran') return 'veteran';
      if (tk === 'resident') return 'resident';
      if (tk === 'family') return 'family';
      if (tk === 'property') return 'property';
      return null;
    }

    function trackForModule(id) {
      if (id === 'sofa-roth') return 'sofa';
      if (id === 'veteran') return 'veteran';
      if (id === 'resident') return 'resident';
      if (id === 'family') return 'family';
      if (id === 'property') return 'property';
      if (id === 'tax-coordinator') return 'tax';
      if (id === 'estate') return 'estate';
      if (id === 'ask-taigan') return 'ai';
      if (id === 'net-worth') return 'history';
      if (id === 'healthcare') return 'health';
      if (id === 'health-tracker') return 'health';
      if (id === 'fx-banking') return 'fx';
      if (id === 'decumulation') return 'retire';
      if (id === 'sharing-backup') return 'share';
      if (id === 'consultations') return 'consult';
      return 'core';
    }

    function renderDashboard(host) {
      const el = TB.utils.el;
      const t = TB.i18n.t;
      const lang = TB.i18n.getLang();
      const tracks = TB.state.get('tracks') || [];
      const ids = dashboardModuleIds();

      host.innerHTML = '';

      // Personalized title — "{name}'s Dashboard" when the user's
      // profile.displayName is set; "Your dashboard" as fallback.
      // For JP: prefer displayNameJa, append "の" instead of "'s".
      const profile = TB.state.get('profile') || {};
      const nameEn = (profile.displayName || '').trim();
      const nameJa = (profile.displayNameJa || profile.displayName || '').trim();
      let titleText;
      if (lang === 'ja') {
        titleText = nameJa
          ? t('dashboard.title.personal_jp', { name: nameJa })
          : t('dashboard.title');
      } else {
        titleText = nameEn
          ? t('dashboard.title.personal_en', { name: nameEn })
          : t('dashboard.title');
      }

      const header = el('div', { class: 'tb-card', 'data-track': 'core' },
        el('h1', null, titleText),
        el('p', { class: 'tb-wizard-help' },
          lang === 'ja'
            ? 'モジュールはカテゴリーで整理されています。下のスクロールで全体像を、または「⚙ ダッシュボードをカスタマイズ」で表示・非表示を切替。'
            : 'Modules are organized by category. Scroll down for the full picture, or use "⚙ Customize dashboard" to show/hide individual modules.',
        ),
      );
      host.appendChild(header);

      // Spouse-view banner — renders only when view_mode === 'spouse'.
      // Reminds the user what they're looking at (their spouse's
      // perspective on the household, with JP-side prominent and
      // US-side muted) and offers a one-click return to user view.
      const viewMode = TB.state.get('settings.view_mode') || 'user';
      if (viewMode === 'spouse') {
        const banner = el('div', {
          class: 'tb-card',
          'data-track': 'family',
          style: {
            borderLeft: '4px solid var(--tb-track-family)',
            background: 'rgba(110, 42, 58, 0.06)',
          },
        });
        banner.appendChild(el('div', {
          style: { display: 'flex', justifyContent: 'space-between', alignItems: 'baseline', gap: 'var(--tb-sp-3)', flexWrap: 'wrap' },
        },
          el('div', null,
            el('strong', null, '👥 ' + t('viewmode.banner.title')),
            el('div', { class: 'tb-card-meta', style: { marginTop: '4px' } },
              t('viewmode.banner.body')),
          ),
          el('button', {
            class: 'tb-btn tb-btn--secondary',
            type: 'button',
            onclick: () => {
              TB.state.set('settings.view_mode', 'user');
              const btn = document.getElementById('tb-view-mode-toggle');
              if (btn) btn.click(); // also fires its own re-render
              else navigate('dashboard');
            },
          }, '↩ ' + t('viewmode.banner.exit')),
        ));
        host.appendChild(banner);
      }

      // Action Center widget — top N actionable items derived from
      // every module's state. Only rendered when the action-center
      // module is loaded; quietly skipped otherwise.
      if (TB.actionCenter && typeof TB.actionCenter.buildWidget === 'function') {
        host.appendChild(TB.actionCenter.buildWidget());
      }

      // ── Grouped module display ───────────────────────────────────
      //
      // Modules are organized into 5 semantic categories so users can
      // scan by intent ("I need to do tax stuff" → Tax & Compliance
      // section) rather than scanning a flat alphabetical wall.
      //
      // Each module in MODULE_GROUPS has a real one-line description
      // (replacing the universal "Tap to open this module" filler).
      // Track badges are shown as small accents only for status-
      // specific modules where the audience signal is meaningful.
      //
      // Empty groups (no unlocked modules in that category) are
      // skipped entirely. Within each section the module order is
      // intentional — most-used first.
      const visible = new Set(ids.filter((id) => id !== 'action-center'));
      // In spouse-view mode, re-order groups so the JP-side / household
      // / family-focused categories surface first. The primary user's
      // "wealth & planning" tooling de-emphasizes in this view since
      // those are the user's tools, not the spouse's.
      const SPOUSE_GROUP_ORDER = ['family_estate', 'status_specific', 'tax_compliance', 'wealth_planning', 'ai_tools'];
      const orderedGroups = (viewMode === 'spouse')
        ? MODULE_GROUPS.slice().sort((a, b) => {
            const ai = SPOUSE_GROUP_ORDER.indexOf(a.id);
            const bi = SPOUSE_GROUP_ORDER.indexOf(b.id);
            return (ai === -1 ? 99 : ai) - (bi === -1 ? 99 : bi);
          })
        : MODULE_GROUPS;
      orderedGroups.forEach((group) => {
        const groupVisibleModules = group.modules.filter((m) => visible.has(m.id));
        if (groupVisibleModules.length === 0) return;

        // Section header — small uppercase, muted, with subtle
        // separator line. Conveys structure without competing visually
        // with the cards below.
        host.appendChild(el('div', {
          style: {
            display: 'flex', alignItems: 'baseline',
            gap: 'var(--tb-sp-3)',
            marginTop: 'var(--tb-sp-5)',
            marginBottom: 'var(--tb-sp-2)',
          },
        },
          el('div', {
            style: {
              fontSize: '11px', fontWeight: '600', letterSpacing: '0.08em',
              textTransform: 'uppercase', color: 'var(--tb-text-soft)',
            },
          }, lang === 'ja' ? group.label_jp : group.label_en),
          el('div', {
            style: {
              flex: '1', height: '1px', background: 'var(--tb-border)',
            },
          }),
        ));

        const grid = el('div', { class: 'tb-card-grid' });
        groupVisibleModules.forEach((m) => {
          const mod = TB.modules[m.id];
          if (!mod) return;
          const tk = trackForModule(m.id);
          const desc = lang === 'ja' ? m.desc_jp : m.desc_en;
          // Show track badge only for status-specific modules
          // (sofa-roth, veteran, resident, family, property) — the
          // audience signal matters there. For core modules the
          // top-border accent color is enough.
          const showBadge = ['sofa', 'veteran', 'resident', 'family', 'property'].indexOf(tk) !== -1;
          const tile = el('div', {
            class: 'tb-card',
            'data-track': tk,
            role: 'button',
            tabindex: '0',
            style: {
              cursor: 'pointer',
              transition: 'transform var(--tb-motion-fast) var(--tb-ease), box-shadow var(--tb-motion-fast) var(--tb-ease)',
            },
            onclick: () => navigate(m.id),
            onkeydown: (e) => { if (e.key === 'Enter' || e.key === ' ') navigate(m.id); },
            onmouseenter: function () { this.style.transform = 'translateY(-2px)'; this.style.boxShadow = 'var(--tb-shadow-2)'; },
            onmouseleave: function () { this.style.transform = ''; this.style.boxShadow = ''; },
          });
          // Title row with optional track badge. We prefer the SVG icon
          // set (TB.icons) over the legacy emoji on m.icon — SVGs
          // render identically on all platforms and carry the brand
          // vermillion accent. Emoji is still used as a fallback if the
          // module isn't yet in the icon set.
          const titleRow = el('div', {
            style: { display: 'flex', alignItems: 'center', justifyContent: 'space-between',
              gap: 'var(--tb-sp-2)', marginBottom: 'var(--tb-sp-2)' },
          });
          const titleH = el('h3', {
            style: { margin: 0, display: 'flex', alignItems: 'center', gap: 'var(--tb-sp-2)' },
          });
          const svgIcon = (TB.icons && TB.icons.get) ? TB.icons.get(m.id, { size: 26 }) : null;
          if (svgIcon) {
            // Color the icon strokes with the module's track accent so
            // tiles read as a coherent set (Tax = steel blue, Family =
            // burgundy, Property = terracotta, etc.) without needing a
            // separate class per module.
            svgIcon.style.color = tk ? 'var(--tb-track-' + tk + ')' : 'var(--tb-navy)';
            svgIcon.style.flex = '0 0 auto';
            titleH.appendChild(svgIcon);
          } else if (m.icon) {
            // Fallback: legacy emoji
            titleH.appendChild(document.createTextNode(m.icon + ' '));
          }
          titleH.appendChild(document.createTextNode(
            lang === 'ja' ? mod.label_jp : mod.label_en));
          titleRow.appendChild(titleH);
          if (showBadge) {
            titleRow.appendChild(el('span', {
              class: 'tb-badge tb-badge--track', 'data-track': tk,
              style: { fontSize: '10px', padding: '1px 6px',
                textTransform: 'uppercase', letterSpacing: '0.04em' },
            }, TB.tracks.trackLabel(tk, lang)));
          }
          tile.appendChild(titleRow);
          tile.appendChild(el('p', {
            style: { margin: 0, fontSize: 'var(--tb-fs-14)',
              color: 'var(--tb-text-soft)', lineHeight: 'var(--tb-lh-body)' },
          }, desc || (lang === 'ja' ? '開くにはクリックしてください。' : 'Tap to open this module.')));
          grid.appendChild(tile);
        });
        host.appendChild(grid);
      });

      // Bottom strip — track-category badges (small, dim) on the left,
      // Re-run onboarding link on the right. Both are secondary UI:
      // the badges document which tracks the user's onboarding
      // unlocked, but day-to-day work happens in the module grid above.
      const bottomStrip = el('div', {
        style: {
          marginTop: 'var(--tb-sp-5)',
          display: 'flex',
          flexWrap: 'wrap',
          alignItems: 'center',
          justifyContent: 'space-between',
          gap: 'var(--tb-sp-3)',
          fontSize: 'var(--tb-fs-12)',
          color: 'var(--tb-text-soft)',
        },
      });

      // Left: track-category badges. Smaller than the original
      // header strip (font-size 10, lighter padding) so they read as
      // metadata rather than nav.
      const trackChips = el('div', {
        style: {
          display: 'flex', flexWrap: 'wrap',
          gap: 'var(--tb-sp-1)', alignItems: 'center',
        },
      });
      trackChips.appendChild(el('span', {
        style: { color: 'var(--tb-text-soft)', marginRight: 'var(--tb-sp-1)', textTransform: 'uppercase', letterSpacing: '0.04em', fontSize: '10px' },
      }, t('dashboard.tracks.label') + ':'));
      tracks.forEach((tk) => {
        const targetMod = moduleForTrack(tk);
        const baseStyle = {
          fontSize: '10px',
          padding: '1px 6px',
          textTransform: 'uppercase',
          letterSpacing: '0.04em',
        };
        if (targetMod && TB.modules && TB.modules[targetMod]) {
          trackChips.appendChild(el('button', {
            class: 'tb-badge tb-badge--track',
            type: 'button',
            'data-track': tk,
            title: t('dashboard.track.openModule'),
            style: Object.assign({ cursor: 'pointer', border: '0', font: 'inherit' }, baseStyle),
            onclick: () => navigate(targetMod),
          }, TB.tracks.trackLabel(tk, lang)));
        } else {
          trackChips.appendChild(el('span', {
            class: 'tb-badge tb-badge--track', 'data-track': tk, style: baseStyle,
          }, TB.tracks.trackLabel(tk, lang)));
        }
      });
      bottomStrip.appendChild(trackChips);

      // Right: Customize dashboard + Re-run onboarding links
      const rightLinks = el('div', { style: { display: 'flex', gap: 'var(--tb-sp-3)', alignItems: 'center', flexWrap: 'wrap' } });
      rightLinks.appendChild(el('a', {
        href: '#',
        style: { color: 'var(--tb-text-soft)', whiteSpace: 'nowrap' },
        onclick: (e) => {
          e.preventDefault();
          openDashboardCustomizeModal(host);
        },
      }, '⚙ ' + t('dashboard.customize')));
      rightLinks.appendChild(el('a', {
        href: '#',
        style: { color: 'var(--tb-text-soft)', whiteSpace: 'nowrap' },
        onclick: (e) => {
          e.preventDefault();
          document.dispatchEvent(new CustomEvent('tb:start-onboarding'));
        },
      }, '↻ ' + t('dashboard.rerun')));
      bottomStrip.appendChild(rightLinks);

      host.appendChild(bottomStrip);
    }

    // Modal listing every registered module with a tri-state per-module
    // visibility toggle (Auto / Show / Hide). Lets users explore modules
    // their onboarding didn't unlock, and hide ones they don't care about.
    function openDashboardCustomizeModal(dashboardHost) {
      const el = TB.utils.el;
      const t = TB.i18n.t;
      const lang = TB.i18n.getLang();
      const root = document.getElementById('tb-modal-root');
      const overrides = Object.assign({}, TB.state.get('settings.dashboard_modules') || {});

      const backdrop = el('div', { class: 'tb-modal-backdrop' });
      const modal = el('div', { class: 'tb-modal', style: { maxWidth: '640px' } });
      backdrop.appendChild(modal);
      function close() { root.innerHTML = ''; }
      backdrop.addEventListener('click', (e) => { if (e.target === backdrop) close(); });

      modal.appendChild(el('h2', { style: { marginTop: 0 } }, '⚙ ' + t('dashboard.customize.title')));
      modal.appendChild(el('p', { class: 'tb-card-meta' }, t('dashboard.customize.intro')));

      const allModules = Object.keys(TB.modules || {})
        .filter((mid) => mid !== 'settings' && mid !== 'profile')
        .sort((a, b) => {
          const la = TB.modules[a].label_en || a;
          const lb = TB.modules[b].label_en || b;
          return la.localeCompare(lb);
        });

      const list = el('div', { style: { display: 'flex', flexDirection: 'column', gap: '4px', marginTop: 'var(--tb-sp-3)' } });
      allModules.forEach((mid) => {
        const mod = TB.modules[mid];
        const cur = overrides[mid];
        const state = cur === true ? 'on' : cur === false ? 'off' : 'auto';

        const row = el('div', {
          style: {
            display: 'flex', alignItems: 'baseline', justifyContent: 'space-between',
            padding: 'var(--tb-sp-2) var(--tb-sp-3)',
            background: 'var(--tb-bg)', borderRadius: 'var(--tb-radius-1)',
            gap: 'var(--tb-sp-3)', flexWrap: 'wrap',
          },
        });
        const labelWrap = el('div', { style: { flex: '1', minWidth: '180px' } });
        const titleLine = el('div', {
          style: { display: 'flex', alignItems: 'center', gap: '8px' },
        });
        const customizeIcon = (TB.icons && TB.icons.get) ? TB.icons.get(mid, { size: 18 }) : null;
        if (customizeIcon) {
          customizeIcon.style.color = 'var(--tb-text-soft)';
          customizeIcon.style.flex = '0 0 auto';
          titleLine.appendChild(customizeIcon);
        }
        titleLine.appendChild(el('span', { style: { fontWeight: '600' } },
          (lang === 'ja' ? mod.label_jp : mod.label_en) || mid));
        labelWrap.appendChild(titleLine);
        labelWrap.appendChild(el('div', { class: 'tb-field-help', style: { marginTop: '2px', fontFamily: 'var(--tb-font-mono)', fontSize: 'var(--tb-fs-12)' } }, mid));
        row.appendChild(labelWrap);
        const sel = el('select', {
          class: 'tb-select',
          style: { maxWidth: '140px' },
          onchange: (e) => {
            const v = e.target.value;
            if (v === 'auto') delete overrides[mid];
            else if (v === 'on')  overrides[mid] = true;
            else if (v === 'off') overrides[mid] = false;
            TB.state.set('settings.dashboard_modules', overrides);
          },
        },
          el('option', { value: 'auto', selected: state === 'auto' }, t('customize.opt.auto')),
          el('option', { value: 'on',   selected: state === 'on' },   t('customize.opt.on')),
          el('option', { value: 'off',  selected: state === 'off' },  t('customize.opt.off')),
        );
        row.appendChild(sel);
        list.appendChild(row);
      });
      modal.appendChild(list);

      const btnRow = el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', marginTop: 'var(--tb-sp-4)' } });
      btnRow.appendChild(el('button', { class: 'tb-btn tb-btn--ghost', type: 'button',
        style: { padding: '4px 12px', fontSize: 'var(--tb-fs-12)' },
        onclick: () => {
          if (confirm(t('dashboard.customize.confirm_reset'))) {
            TB.state.set('settings.dashboard_modules', {});
            close();
            renderDashboard(dashboardHost);
          }
        } }, '↺ ' + t('dashboard.customize.reset')));
      btnRow.appendChild(el('button', { class: 'tb-btn', type: 'button',
        onclick: () => { close(); renderDashboard(dashboardHost); } }, t('dashboard.customize.done')));
      modal.appendChild(btnRow);

      root.innerHTML = '';
      root.appendChild(backdrop);
    }

    function renderAbout(host) {
      host.innerHTML = '';
      const el = TB.utils.el;
      const card = el('div', { class: 'tb-card', 'data-track': 'core' });

      // Prefer build-inlined content; fall back to fetch in dev mode;
      // final fallback is a minimal inline string so file:// always
      // shows something sensible.
      const inlined = (window.TB && window.TB.content && window.TB.content.aboutHtml) || null;
      card.innerHTML = inlined || aboutHtmlFallback();
      stampMeta(card);
      host.appendChild(card);

      if (!inlined) {
        fetch('content/about.html', { cache: 'no-store' })
          .then((r) => r.ok ? r.text() : null)
          .then((text) => {
            if (!text) return;
            card.innerHTML = text;
            stampMeta(card);
          })
          .catch(() => { /* file:// — fallback is fine. */ });
      }
    }

    function stampMeta(scope) {
      const v = document.querySelector('meta[name="tb-version"]')?.content || '';
      const h = document.querySelector('meta[name="tb-build-hash"]')?.content || '';
      const d = document.querySelector('meta[name="tb-build-date"]')?.content || '';
      scope.querySelectorAll('[data-version]').forEach((e) => e.textContent = v);
      scope.querySelectorAll('[data-build-hash]').forEach((e) => e.textContent = h);
      scope.querySelectorAll('[data-build-date]').forEach((e) => e.textContent = d);
    }

    function aboutHtmlFallback() {
      // Minimal inline About — replaced at runtime by content/about.html
      // when available.
      return '<h1>About Taigan Bridge 対岸</h1>' +
             '<p><strong>Taigan</strong> (対岸) means <em>"the opposite shore."</em> ' +
             'Taigan Bridge is the bridge between two shores — a tool for keeping ' +
             'your life on both sides of the Pacific in order.</p>' +
             '<p>Built by Benjamin Eichhorn. Free for personal use. ' +
             'Not financial, tax, or legal advice.</p>' +
             '<p>Version <span data-version>1.0.2</span> · ' +
             'Build <span data-build-hash>34b55d33</span> · ' +
             'Released <span data-build-date>2026-06-08</span></p>';
    }

    function navigate(view) {
      const host = document.getElementById('tb-view');
      host.className = '';

      // Highlight the matching nav button if it's a top-level view.
      document.querySelectorAll('#tb-nav [data-view]').forEach((b) => {
        b.classList.toggle('is-current', b.dataset.view === view);
      });

      try { sessionStorage.setItem(VIEW_KEY, view); } catch (e) { /* ignore */ }

      if (view === 'dashboard') { renderDashboard(host); TB.utils.annotateJpTerms(host); return; }
      if (view === 'about')     { renderAbout(host);     TB.utils.annotateJpTerms(host); return; }

      const mod = TB.modules[view];
      if (mod) {
        mod.render(host);
        TB.i18n.applyDom(host);
        TB.utils.annotateJpTerms(host);
        return;
      }
      // Unknown view: fall back to dashboard.
      renderDashboard(host);
      TB.utils.annotateJpTerms(host);
    }

    function startOnboarding(opts) {
      const host = document.getElementById('tb-view');
      host.className = '';
      TB.onboarding.start(host, opts || {});
    }

    function init() {
      // Wire nav.
      document.querySelectorAll('#tb-nav [data-view]').forEach((btn) => {
        btn.addEventListener('click', () => navigate(btn.dataset.view));
      });

      // Hydrate all <span data-ui-icon="..."> slots in the header with
      // their SVG icons from TB.icons. Each toggle button below uses
      // setSlotIcon(slot, iconId) to swap when state changes.
      function setSlotIcon(slot, iconId, size) {
        if (!slot || !TB.icons || !TB.icons.get) return;
        slot.innerHTML = '';
        const svg = TB.icons.get(iconId, { size: size || 20 });
        if (svg) {
          // Slight downshift so the icon sits on the text baseline of
          // sibling buttons.
          svg.style.verticalAlign = 'middle';
          slot.appendChild(svg);
        }
        slot.dataset.uiIcon = iconId;
      }
      document.querySelectorAll('#tb-nav [data-ui-icon]').forEach((s) => {
        setSlotIcon(s, s.getAttribute('data-ui-icon'));
      });

      // Theme toggle. Theme is app-controlled and persists in
      // localStorage; OS prefers-color-scheme is ignored entirely.
      // The boot inline script in <head> already applied the stored
      // theme before first paint — here we just sync the button icon
      // and wire the click handler.
      const themeBtn = document.getElementById('tb-theme-toggle');
      const themeSlot = themeBtn && themeBtn.querySelector('.tb-icon-slot');
      function syncThemeButton() {
        const cur = document.documentElement.getAttribute('data-theme') || 'light';
        // Show the icon for the mode we'd switch TO when clicked.
        // Dark theme is active → show sun (switch to light); else moon.
        setSlotIcon(themeSlot, cur === 'dark' ? 'ui-theme-light' : 'ui-theme-dark');
        const titleKey = cur === 'dark' ? 'theme.toggleToLight' : 'theme.toggleToDark';
        themeBtn.title = TB.i18n.t(titleKey);
        themeBtn.setAttribute('aria-label', TB.i18n.t(titleKey));
      }
      syncThemeButton();
      themeBtn.addEventListener('click', () => {
        const cur = document.documentElement.getAttribute('data-theme') || 'light';
        const next = cur === 'dark' ? 'light' : 'dark';
        document.documentElement.setAttribute('data-theme', next);
        try { localStorage.setItem('tb-theme', next); } catch (e) { /* ignore */ }
        syncThemeButton();
      });
      // Re-sync on language change so the tooltip updates too.
      document.addEventListener('tb:lang-changed', syncThemeButton);

      // Print button — invokes the browser's print dialog. The print
      // CSS in base.css strips chrome, normalizes colors to print-
      // friendly black-on-white, and renders link URLs inline.
      const printBtn = document.getElementById('tb-print-button');
      if (printBtn) {
        function syncPrintTooltip() {
          printBtn.title = TB.i18n.t('nav.print');
          printBtn.setAttribute('aria-label', TB.i18n.t('nav.print'));
        }
        syncPrintTooltip();
        document.addEventListener('tb:lang-changed', syncPrintTooltip);
        printBtn.addEventListener('click', () => { window.print(); });
      }

      // View-mode toggle — flips between 'user' (primary perspective)
      // and 'spouse' (spouse-side perspective). Re-renders the current
      // view so any module that reads view_mode picks up the change.
      // Only visible if onboarding indicates a spouse in the household
      // (no point cluttering the header for solo users).
      const viewModeBtn = document.getElementById('tb-view-mode-toggle');
      const viewModeSlot = viewModeBtn && viewModeBtn.querySelector('.tb-icon-slot');
      if (viewModeBtn) {
        function viewModeApplies() {
          const fam = TB.state.get('onboarding.answers.family') || [];
          const arr = Array.isArray(fam) ? fam : [fam];
          return arr.includes('jp_spouse') || arr.includes('us_spouse') || arr.includes('third_spouse');
        }
        function syncViewModeButton() {
          if (!viewModeApplies()) {
            viewModeBtn.style.display = 'none';
            // If state is stuck in 'spouse' but the household no longer
            // has a spouse, snap back to 'user'.
            if (TB.state.get('settings.view_mode') === 'spouse') {
              TB.state.set('settings.view_mode', 'user');
              document.documentElement.removeAttribute('data-view-mode');
            }
            return;
          }
          viewModeBtn.style.display = '';
          const cur = TB.state.get('settings.view_mode') || 'user';
          // Show the icon for the mode you'd switch TO (couple = will
          // enter spouse view; single = will return to user view).
          setSlotIcon(viewModeSlot, cur === 'spouse' ? 'ui-view-user' : 'ui-view-spouse');
          const titleKey = cur === 'spouse' ? 'viewmode.toggleToUser' : 'viewmode.toggleToSpouse';
          viewModeBtn.title = TB.i18n.t(titleKey);
          viewModeBtn.setAttribute('aria-label', TB.i18n.t(titleKey));
          // Mirror onto <html> so CSS can adjust if it wants to.
          document.documentElement.setAttribute('data-view-mode', cur);
        }
        syncViewModeButton();
        document.addEventListener('tb:lang-changed', syncViewModeButton);
        document.addEventListener('tb:onboarding-complete', syncViewModeButton);
        viewModeBtn.addEventListener('click', () => {
          const cur = TB.state.get('settings.view_mode') || 'user';
          const next = cur === 'spouse' ? 'user' : 'spouse';
          TB.state.set('settings.view_mode', next);
          syncViewModeButton();
          // Re-render current view to pick up the polarity change.
          const current = sessionStorage.getItem(VIEW_KEY) || 'dashboard';
          navigate(current);
        });
      }

      // Search button + ⌘K/Ctrl+K shortcut. Search module exposes
      // window.TB.search.open() and installShortcut(). We expose
      // window.tbNavigate so the search palette can route by view id
      // without poking into the closure-private navigate() above.
      window.tbNavigate = navigate;
      const searchBtn = document.getElementById('tb-search-button');
      const searchKbd = document.getElementById('tb-search-kbd');
      if (searchBtn && TB.search) {
        if (searchKbd) searchKbd.textContent = TB.search.shortcutLabel();
        function syncSearchTooltip() {
          const label = TB.i18n.t('search.tooltip', { kbd: TB.search.shortcutLabel() });
          searchBtn.title = label;
          searchBtn.setAttribute('aria-label', TB.i18n.t('search.ariaLabel'));
        }
        syncSearchTooltip();
        document.addEventListener('tb:lang-changed', syncSearchTooltip);
        searchBtn.addEventListener('click', () => TB.search.open());
        TB.search.installShortcut();
      }

      // Language toggle.
      const langBtn = document.getElementById('tb-lang-toggle');
      langBtn.addEventListener('click', () => {
        const next = TB.i18n.getLang() === 'en' ? 'ja' : 'en';
        TB.i18n.setLang(next);
      });

      // Re-render the current view on language change.
      document.addEventListener('tb:lang-changed', () => {
        const current = sessionStorage.getItem(VIEW_KEY) || 'dashboard';
        navigate(current);
      });

      // Onboarding completion → land on dashboard.
      document.addEventListener('tb:onboarding-complete', () => navigate('dashboard'));

      // Re-run onboarding from profile / dashboard.
      document.addEventListener('tb:start-onboarding', () => startOnboarding({ fresh: false }));

      // Generic navigation event for module → app routing
      // (e.g., FBAR's upload dialog jumping to Settings when the
      // user has no API key set).
      document.addEventListener('tb:navigate', (e) => {
        if (e && e.detail && e.detail.view) navigate(e.detail.view);
      });

      // Apply translations to the static chrome.
      TB.i18n.applyDom();

      // Self-heal stale `modules.unlocked` from earlier versions.
      // The set of always-unlocked modules has grown over releases;
      // re-run track assignment against the stored answers so
      // returning users see modules that didn't exist when they
      // first onboarded (relevant when future releases add modules).
      const onboarded = TB.state.get('onboarding.complete');
      if (onboarded) {
        const answers = TB.state.get('onboarding.answers') || {};
        const refreshed = TB.tracks.assign(answers);
        TB.state.set('tracks', refreshed.tracks);
        TB.state.set('modules.unlocked', refreshed.modules);
      }

      // ── JP term tooltip ──────────────────────────────────────────
      // Must be wired before the initial navigate() so the observer
      // is already watching when the first module renders.
      const jpTooltip = document.getElementById('tb-jp-tooltip');
      document.addEventListener('mouseover', (e) => {
        const target = e.target.closest('[data-jp-en]');
        if (!target) return;
        jpTooltip.textContent = target.getAttribute('data-jp-en');
        jpTooltip.classList.add('is-visible');
        jpTooltip.style.left = (e.clientX + 14) + 'px';
        jpTooltip.style.top  = (e.clientY + 14) + 'px';
      });
      document.addEventListener('mousemove', (e) => {
        if (!jpTooltip.classList.contains('is-visible')) return;
        const x = Math.min(e.clientX + 14, window.innerWidth  - jpTooltip.offsetWidth  - 6);
        const y = Math.min(e.clientY + 14, window.innerHeight - jpTooltip.offsetHeight - 6);
        jpTooltip.style.left = Math.max(0, x) + 'px';
        jpTooltip.style.top  = Math.max(0, y) + 'px';
      });
      document.addEventListener('mouseout', (e) => {
        const leaving  = e.target.closest('[data-jp-en]');
        if (!leaving) return;
        const entering = e.relatedTarget && e.relatedTarget.closest('[data-jp-en]');
        if (!entering) jpTooltip.classList.remove('is-visible');
      });

      // ── Auto-annotate JP terms + Glossary acronyms ───────────────
      // Observer MUST be set up before the first navigate() call so it
      // catches the initial render. The explicit calls after navigate()
      // handle the synchronous first-render case where the observer
      // callback might fire after the rAF in the same frame.
      const viewHost = document.getElementById('tb-view');
      let _annotPending = false;
      new MutationObserver(() => {
        if (_annotPending) return;
        _annotPending = true;
        requestAnimationFrame(() => {
          TB.utils.annotateJpTerms(viewHost);
          if (TB.glossary && TB.glossary.annotate) TB.glossary.annotate(viewHost);
          _annotPending = false;
        });
      }).observe(viewHost, { childList: true, subtree: true, characterData: false, attributes: false });

      // Click delegation for glossary terms — anywhere in the page.
      // Uses event delegation so newly-inserted .tb-glossary-term
      // buttons also trigger without per-instance wiring.
      document.addEventListener('click', (e) => {
        const btn = e.target.closest('button.tb-glossary-term');
        if (!btn) return;
        e.preventDefault();
        const key = btn.dataset.glossary;
        if (key && TB.glossary && TB.glossary.show) TB.glossary.show(key);
      });

      // Click delegation for the currency-pair secondary value —
      // clicking the smaller USD/JPY value toggles which currency is
      // primary across the whole Projections module. Persisted in
      // projections.ui_state.primary_currency. The class name changed
      // from .tb-currency-paren to .tb-currency-secondary when the
      // layout flipped from inline-parens to stacked; the data-attr
      // is the stable selector across either variant.
      document.addEventListener('click', (e) => {
        const target = e.target.closest('[data-toggle-currency]');
        if (!target) return;
        e.preventDefault();
        if (TB.projections && TB.projections.toggleCurrency) {
          TB.projections.toggleCurrency();
        }
      });

      if (!onboarded) {
        startOnboarding({ fresh: true });
      } else {
        const last = sessionStorage.getItem(VIEW_KEY) || 'dashboard';
        navigate(last);
      }
      // Belt-and-suspenders: annotate immediately after initial render in
      // case the MutationObserver rAF fires too late on slow machines.
      TB.utils.annotateJpTerms(viewHost);
      if (TB.glossary && TB.glossary.annotate) TB.glossary.annotate(viewHost);

      // Stamp build metadata into footer (covers the dev build too).
      stampMeta(document);

      // Auto-backup: when the user has opted into a backup interval,
      // and the last backup is older than that interval, prompt for a
      // one-click download. Browsers can't silently write files to
      // disk, so this surfaces a confirm() dialog rather than firing a
      // surprise download. Skipped when no interval is set (default).
      try {
        if (onboarded && TB.sharingBackup && typeof TB.sharingBackup.maybeAutoBackup === 'function') {
          // Defer briefly so the page has settled and the user isn't
          // immediately interrupted by a modal.
          setTimeout(() => { try { TB.sharingBackup.maybeAutoBackup(); } catch (_) {} }, 1500);
        }
      } catch (_) { /* no-op — autobackup is best-effort */ }

      // Live USD/JPY indicator in the disclaimer banner. Paint
      // immediately from cache (so it doesn't flicker on every nav)
      // then trigger a refresh — refreshLiveFx returns the cached
      // value when the previous fetch is still inside the 1-hour
      // cache window, so this is cheap on hot reloads.
      try {
        renderLiveFxBanner();
        if (TB.utils && typeof TB.utils.refreshLiveFx === 'function') {
          TB.utils.refreshLiveFx().then(renderLiveFxBanner).catch(() => { /* silent */ });
        }
        document.addEventListener('tb:live-fx-updated', renderLiveFxBanner);
      } catch (_) { /* live-fx is informational; never block boot */ }
    }

    // Repaint the live-FX widget in the disclaimer banner from
    // current state. Hidden when no rate is cached yet so we don't
    // show a placeholder. Tooltip explains the source + the
    // distinction from the Treasury rate used for FBAR / Asset math.
    function renderLiveFxBanner() {
      const host = document.getElementById('tb-live-fx');
      if (!host) return;
      const live = (TB.utils && typeof TB.utils.getLiveJpyRate === 'function')
        ? TB.utils.getLiveJpyRate() : null;
      if (!live || !live.rate) {
        host.hidden = true;
        return;
      }
      const rateEl = host.querySelector('[data-live-fx-rate]');
      const srcEl  = host.querySelector('[data-live-fx-source]');
      if (rateEl) rateEl.textContent = '¥' + live.rate.toFixed(2);
      if (srcEl) {
        const ageMs = live.fetchedAt ? Date.now() - new Date(live.fetchedAt).getTime() : null;
        const ageMin = ageMs != null ? Math.floor(ageMs / 60000) : null;
        const ageStr = ageMin == null ? ''
          : ageMin < 1 ? 'just now'
          : ageMin < 60 ? ageMin + 'm ago'
          : Math.floor(ageMin / 60) + 'h ago';
        srcEl.textContent = ageStr;
      }
      const tip = (TB.i18n && TB.i18n.t)
        ? TB.i18n.t('banner.liveFx.tooltip', {
            source: live.source || 'live',
            asOf: live.asOf || '',
          })
        : 'Live mid-market USD/JPY (informational only). FBAR + Asset calculations use the U.S. Treasury quarterly rate.';
      host.title = tip;
      host.hidden = false;
    }

    if (document.readyState === 'loading') {
      document.addEventListener('DOMContentLoaded', init);
    } else {
      init();
    }
  })();
  </script>
</body>
</html>