Don't suppress cobrand upsell on per-txn ties (Costco Anywhere at Costco)

Upsell: skip per-txn override when global_best is cobrand match (Costco Anywhere at Costco)

Remove Capital One Savor from Bob + lock container min-height with contain:layout

Upsell: also apply per-txn sanity check (Amex Gold $120 > Citi Strata $81)

Add card_id + apply_url to alternatives (mobile UI needs it for owned-card detection)

Alice wallet: add Discover it + Citi Double Cash to default (6 cards total)

Sanity check: pick HIGHEST per-txn alt (not just first passing threshold)

Pick highest per-txn card when engine over-weights perks (Amex Gold airline bug)

Sort alternatives by displayed pv-adjusted value (top earner first), not _score

Upsell sanity check: skip if upsell card earns less per-transaction than recommended

Add effective % to rate label + fix accordion label-wrap layout

Fix top tile vs bullet contradiction; strip em-dashes from user-facing text

Display rewards in pv-adjusted dollars so ranking matches numbers user sees

Contradiction-detector audit + 2 fixes

_alt_reason: handle 'alt earns more cash but recommendation wins on point value'

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

recommend(): in-wallet scoring skips amortized fee (sunk cost)

Forecast/Playbook: category-level scoring sentinel '*' so co-brand cards count

Strip marketing hype + unify category labels under canonical CATEGORY_INFO

Unify scoring across all tabs: card_annual_value() is the single source of truth

Recommender: dining MCCs (5812/5813/5814) are now premium for in-wallet too

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

Chat: route Amtrak (and other transit) through engine + BofA Amtrak perks

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

1980-case audit: fix 3 real bugs found

Mobile ↔ desktop parity: same local engine + fix Citi AA airline MCC

Monthly Optimizer: fix rate label + surface co-branded cards by brand

Analytics: real optimization score + stable monthly trend (per-user seeded)

Receipt: gr.Image -> gr.File (5.50 render bug); show top 10 lenders

Home Loans: dollar down-payment, PMI/MIP/VA funding fee math, MI radio

Brand-match scoring bonus + apply URLs from cards.json

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

Persona-based ranking + user-editable Smart Wallet

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

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

Register rp_pro Plotly template at module import (fixes Smart Wallet crash)

Travel MCC 4722 was 1% on Sapphire — fall back to category_rates

Audit: reconcile Analytics + Monthly Optimizer numbers across tabs

Analytics: drop dead 'Visual Analytics' section + mobile polish

Local engine: expand user wallets to all 4-5 cards available in cards.json

Recommendation: drop Plotly chart, use local engine only (fast + personalized)

Lock chart interaction + convert alternatives to a table

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

Custom Plotly template 'rp_pro' kills default rainbow colorway

Strip emojis from utils/, set restrained chart colorway

Fix Knowledge Base + orchestrator paths