Update annual fees to current 2025 levels (CSR $795, Amex Gold $325, United cards)

Fix 3 bugs surfaced by user at $1400 Whole Foods test

Add business-card-to-consumer downweight + Southwest perks + 4511 rates on airline co-brands

Expand restaurant catalog (45 + 63 chains) + boost Amex Gold dining perks

Add 3 missing fast-food merchants + move Accessibility next to Get Recommendation

Optimal formula: point value + perks + fee + acceptance + foreign FX

Fix portal-only hotel/flight rates: Venture X 10x at Marriott was wrong

Engine: retail MCC fallbacks + Apple Card brand-lock

Brand-lock retail MCCs + tighten closed-loop store-card defaults

Add 40 retail/store cards from non-top-6 issuers (105 -> 145)

Expand cards.json 66 -> 105 + extend co-brand brand-lock

Comprehensive top-6 lineup: 66 cards + co-brand brand-locking

Expand to 33 cards across top-6 issuers + richer demo examples

Final emoji purge: data files (RAG corpus + lender logos)

Add data/card_benefits/discover_it.md

Add data/card_benefits/costco_anywhere_visa.md

Add data/card_benefits/citi_double_cash.md

Add data/card_benefits/citi_custom_cash.md

Add data/card_benefits/chase_sapphire_reserve.md

Add data/card_benefits/chase_freedom_unlimited.md

Add data/card_benefits/capital_one_venture_x.md

Add data/card_benefits/capital_one_savor.md

Add data/card_benefits/amex_gold.md

Add data/card_benefits/amex_blue_cash_preferred.md

Add data/us_merchants.json

Add data/us_lenders.json

Add data/us_cards.json

Add data/cards.json