{
 "generated": "2026-07-23",
 "coverage": {
  "x7224": "2026-07-10",
  "amex": "2026-07-22",
  "citi9134": "2026-06-23",
  "x4053": "2026-06-30"
 },
 "note": "dueDay = observed/verified day of month; null = no due date on record (RISK). match = lowercase substrings to find the bill in statement/card actuals; tolerance = amount match ±fraction (0 = payee-only). owner = joint (Tom & Mindy household) | personal (Tom only) | ambiguous (unconfirmed — appears on both AP views).",
 "bills": [
  {
   "payee": "FirstService Res. HOA — ClickPay (2nd acct)",
   "amount": 662.27,
   "amountLabel": "$662.27",
   "dueDay": 1,
   "cadence": "Monthly",
   "source": "AmEx Plat x67002",
   "sourceFeed": "amex",
   "autopay": "Autopay (card)",
   "property": "Flagler WPB",
   "category": "HOA",
   "owner": "personal",
   "match": [
    "clickpay"
   ],
   "tolerance": 0.15,
   "note": "CONFIRMED Flagler (Tom 7/22). Has missed before: gap Nov ’25–Feb ’26 then $3,505.56 catch-up 3/1/26."
  },
  {
   "payee": "Sun East FCU #…4572 — Kater mortgage (drafts as “Midwest Loan Ser”)",
   "amount": 4388.48,
   "amountLabel": "$4,388.48",
   "dueDay": 1,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay ACH — recurring",
   "property": "Kater St",
   "category": "Mortgage",
   "owner": "personal",
   "match": [
    "midwest loan ser"
   ],
   "tolerance": 0.05,
   "note": "IDENTIFIED 7/23/26: drafts as “Midwest Loan Ser” from PLaw x4053 — Midwest Loan Services is the CU mortgage subservicer for Sun East FCU. Exact $4,388.48 monthly, posts 1st (or last biz day), all 19 statements, active 6/1/26. P&I only, no escrow. Former duplicate “Midwest (identify)” row merged here."
  },
  {
   "payee": "FirstService HOA — 1551 N Flagler WPB",
   "amount": 1294.24,
   "amountLabel": "$1,294.24",
   "dueDay": 1,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay ACH (“Frstsrv Broward”)",
   "property": "Flagler WPB",
   "category": "HOA",
   "owner": "personal",
   "match": [
    "frstsrv"
   ],
   "tolerance": 0.05,
   "note": "x4053: posts 1st (or last biz day), every month Dec ’24–Jun ’26 — same billpay batch as Midwest/PHEAA."
  },
  {
   "payee": "Chase Auto #…5303 — 2026 Tesla",
   "amount": 1566.33,
   "amountLabel": "$1,566.33",
   "dueDay": 2,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay ACH — recurring",
   "property": "Vehicle",
   "category": "Debt",
   "owner": "personal",
   "match": [],
   "tolerance": 0.05,
   "note": "x4053: drafts 1st–4th; first draft 10/2/25 — loan started Oct ’25 (prior Tesla/WF x8150 last drafted 7/29/25)."
  },
  {
   "payee": "Comcast / Xfinity (wifi)",
   "amount": 138.99,
   "amountLabel": "$138.99",
   "dueDay": 2,
   "cadence": "Monthly",
   "source": "AmEx Plat x67002",
   "sourceFeed": "amex",
   "autopay": "Autopay (card)",
   "property": "Brigantine",
   "category": "Utilities",
   "owner": "personal",
   "match": [
    "comcast",
    "xfinity"
   ],
   "tolerance": 0.1,
   "note": ""
  },
  {
   "payee": "Truist Mortgage #…1137 — Brigantine",
   "amount": 3086.45,
   "amountLabel": "$3,086.45",
   "dueDay": 3,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay — “Olb Mtgpmt” recurring",
   "property": "Brigantine",
   "category": "Mortgage",
   "owner": "personal",
   "match": [
    "truist mortg"
   ],
   "tolerance": 0.1,
   "note": "Due 1st (verified 7/21), drafts x4053 the 3rd–6th. Observed $2,642.56 → $3,077.48 (Feb ’25) → $3,057.79 (Aug ’25–Jun ’26); $3,086.45 = escrow change from Aug ’26."
  },
  {
   "payee": "Morgan Stanley (identify loan)",
   "amount": 2000.0,
   "amountLabel": "$2,000.00",
   "dueDay": 3,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay ACH — recurring",
   "property": "Unknown",
   "category": "Debt",
   "owner": "personal",
   "match": [
    "morgan stanley"
   ],
   "tolerance": 0.05,
   "note": "x4053: drafts 3rd (next biz day) every month Dec ’24–Jun ’26; MS acct ref changed …0461→…8371 Apr ’25. Still unidentified — ask MS."
  },
  {
   "payee": "BMO / Bank of the West — Grady White 275",
   "amount": 911.01,
   "amountLabel": "$911.01",
   "dueDay": 3,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "🔴 Autopay STILL ON — CANCEL NOW",
   "property": "Boat",
   "category": "Debt",
   "owner": "personal",
   "match": [
    "bmo"
   ],
   "tolerance": 0.05,
   "note": "🔴 Boat sold / lien paid 7/22/26 but autopay was still drafting 6/3/26 (and likely 7/3) — cancel at BMO before the ~8/3 draft fires against a paid-off loan."
  },
  {
   "payee": "Fifth Third #…7488 — Seadoo",
   "amount": 364.2,
   "amountLabel": "$364.20",
   "dueDay": 4,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay — “Web-Recur Web Pay”",
   "property": "Boat",
   "category": "Debt",
   "owner": "personal",
   "match": [
    "fifth third"
   ],
   "tolerance": 0.05,
   "note": "x4053: drafts 4th (next biz day), all 19 months. Bal ~$4.5K — nearly paid off."
  },
  {
   "payee": "Viking Pest Control",
   "amount": 100.7,
   "amountLabel": "$100.70",
   "dueDay": 3,
   "cadence": "Monthly",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "Likely autopay",
   "property": "Wyndmoor",
   "category": "Utilities",
   "owner": "joint",
   "match": [
    "viking"
   ],
   "tolerance": 0.2,
   "note": ""
  },
  {
   "payee": "Concepcion Perez (cleaning)",
   "amount": 1400.0,
   "amountLabel": "$1,400.00",
   "dueDay": 5,
   "cadence": "Monthly",
   "source": "Joint x7224 — Zelle",
   "sourceFeed": "x7224",
   "autopay": "NO — manual Zelle",
   "property": "Wyndmoor",
   "category": "Staff",
   "owner": "joint",
   "match": [
    "concepcion"
   ],
   "tolerance": 0.3,
   "note": ""
  },
  {
   "payee": "TECO gas",
   "amount": 28.0,
   "amountLabel": "~$28",
   "dueDay": 6,
   "cadence": "Monthly",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "Unknown",
   "property": "Pompano",
   "category": "Utilities",
   "owner": "joint",
   "match": [
    "teco"
   ],
   "tolerance": 0,
   "note": ""
  },
  {
   "payee": "PECO — Kater St (acct …1222)",
   "amount": 259.0,
   "amountLabel": "~$200–312",
   "dueDay": 6,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay ACH",
   "property": "Kater St",
   "category": "Utilities",
   "owner": "personal",
   "match": [
    "peco energy"
   ],
   "tolerance": 0,
   "note": "x4053: drafts 4th–8th, all 19 months (avg ~$259)."
  },
  {
   "payee": "Dan (pool / hot tub)",
   "amount": 155.0,
   "amountLabel": "$155.00",
   "dueDay": 7,
   "cadence": "Monthly",
   "source": "Joint x7224 — Zelle",
   "sourceFeed": "x7224",
   "autopay": "NO — manual Zelle",
   "property": "Pompano",
   "category": "Staff",
   "owner": "joint",
   "match": [
    "zelle → dan"
   ],
   "tolerance": 0,
   "note": ""
  },
  {
   "payee": "PECO electric (2 accts)",
   "amount": 1740.0,
   "amountLabel": "~$1,740",
   "dueDay": 8,
   "cadence": "Monthly",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "✅ Autopay ON",
   "property": "Wyndmoor",
   "category": "Utilities",
   "owner": "joint",
   "match": [
    "peco"
   ],
   "tolerance": 0,
   "note": ""
  },
  {
   "payee": "Planet Home Lending #…8089 — mortgage",
   "amount": 24825.81,
   "amountLabel": "$24,825.81",
   "dueDay": 9,
   "cadence": "Monthly",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "Autopay ACH (observed)",
   "property": "Wyndmoor",
   "category": "Mortgage",
   "owner": "joint",
   "match": [
    "planet home"
   ],
   "tolerance": 0.1,
   "note": "Posts 7th–13th — fund x7224 before the 7th."
  },
  {
   "payee": "Aqua PA water (2 accts)",
   "amount": 208.0,
   "amountLabel": "~$208",
   "dueDay": 9,
   "cadence": "Monthly",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "Unknown",
   "property": "Wyndmoor",
   "category": "Utilities",
   "owner": "joint",
   "match": [
    "aqua"
   ],
   "tolerance": 0,
   "note": ""
  },
  {
   "payee": "City of Pompano water",
   "amount": 205.0,
   "amountLabel": "~$195–280",
   "dueDay": 9,
   "cadence": "Monthly",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "Unknown",
   "property": "Pompano",
   "category": "Utilities",
   "owner": "joint",
   "match": [
    "city of pompano"
   ],
   "tolerance": 0,
   "note": ""
  },
  {
   "payee": "Laurel Hill Gardens (in season)",
   "amount": null,
   "amountLabel": "~$4,770 in season",
   "dueDay": 9,
   "cadence": "Monthly, seasonal",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "NO — invoice",
   "property": "Wyndmoor",
   "category": "Grounds",
   "owner": "joint",
   "match": [
    "laurel hill"
   ],
   "tolerance": 0,
   "note": ""
  },
  {
   "payee": "Alejandro Perez (landscaping)",
   "amount": 295.0,
   "amountLabel": "$295.00",
   "dueDay": 10,
   "cadence": "Monthly",
   "source": "Joint x7224 — Zelle",
   "sourceFeed": "x7224",
   "autopay": "NO — manual Zelle",
   "property": "Pompano",
   "category": "Grounds",
   "owner": "joint",
   "match": [
    "alejandro"
   ],
   "tolerance": 0,
   "note": ""
  },
  {
   "payee": "Parents debt (family loan) → Kathleen Petrelli",
   "amount": 2166.67,
   "amountLabel": "$2,166.67",
   "dueDay": 10,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "NO — manual (check → Zelle since May ’26)",
   "property": "Flagler",
   "category": "Debt",
   "owner": "personal",
   "match": [
    "kathleen"
   ],
   "tolerance": 0.05,
   "note": "x4053: paper check ~2nd week (#6778 12/17/24 → #6853 2/24/26); ⚠ NO payment visible Mar/Apr ’26; since 5/18/26 paid by Zelle to Kathleen Petrelli split $1,000+$1,000+$166.67. Ends May 2027."
  },
  {
   "payee": "Equitable life — Tom (114 324 712)",
   "amount": 191.13,
   "amountLabel": "$191.13",
   "dueDay": 11,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay ACH (“Ins. Equitable …4712”)",
   "property": "Personal",
   "category": "Insurance",
   "owner": "personal",
   "match": [
    "equitable"
   ],
   "tolerance": 0.05,
   "note": "IDENTIFIED 7/23/26: x4053 ref …4712 = policy 114 324 712 (Tom life, agent Chiappinelli). Drafts ~11th–13th, all 19 months."
  },
  {
   "payee": "Terminix pest",
   "amount": 65.0,
   "amountLabel": "$65.00",
   "dueDay": 12,
   "cadence": "Monthly",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "Unknown",
   "property": "Pompano",
   "category": "Utilities",
   "owner": "joint",
   "match": [
    "terminix pest"
   ],
   "tolerance": 0.2,
   "note": ""
  },
  {
   "payee": "State Farm policy A (~$36.17)",
   "amount": 36.17,
   "amountLabel": "$36.17",
   "dueDay": 14,
   "cadence": "Monthly",
   "source": "AmEx Plat x67002",
   "sourceFeed": "amex",
   "autopay": "Autopay (card)",
   "property": "Unassigned — identify",
   "category": "Insurance",
   "owner": "ambiguous",
   "match": [
    "state farm"
   ],
   "tolerance": 0.1,
   "note": "One of 3 recurring State Farm policies — identify coverage. June charge not visible in export."
  },
  {
   "payee": "Verizon internet",
   "amount": 89.99,
   "amountLabel": "$89.99",
   "dueDay": 15,
   "cadence": "Monthly",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "Likely autopay (flat)",
   "property": "Wyndmoor",
   "category": "Utilities",
   "owner": "joint",
   "match": [
    "verizon"
   ],
   "tolerance": 0.1,
   "note": ""
  },
  {
   "payee": "EFA / Equitable — policy …5591 (Alison life?)",
   "amount": 775.0,
   "amountLabel": "$775.00",
   "dueDay": 16,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay ACH (“Ins. Efa …5591”)",
   "property": "Personal",
   "category": "Insurance",
   "owner": "ambiguous",
   "match": [
    "efa"
   ],
   "tolerance": 0.05,
   "note": "NEW 7/23/26: $775/mo since 2/20/25, drafts ~15th–17th. Ref …5591 matches Equitable policy 569 315 591 (Alison life) — but sheet says that policy is $1,469/YR. Verify w/ agent: premium restructure vs policy-loan repayment ($9,300/yr drafting)."
  },
  {
   "payee": "Carrington #…7905 — mortgage",
   "amount": 17279.26,
   "amountLabel": "$17,279.26",
   "dueDay": 17,
   "cadence": "Monthly",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "Autopay (“recurring internet payment”)",
   "property": "Pompano",
   "category": "Mortgage",
   "owner": "joint",
   "match": [
    "carrington"
   ],
   "tolerance": 0.1,
   "note": "Often posts earlier (6th–13th observed)."
  },
  {
   "payee": "Chase Auto #…3008 — Rivian R1S",
   "amount": 1394.23,
   "amountLabel": "$1,394.23",
   "dueDay": 17,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay ACH — recurring",
   "property": "Vehicle",
   "category": "Debt",
   "owner": "personal",
   "match": [],
   "tolerance": 0.05,
   "note": "x4053: drafts 17th–19th, all 19 months Dec ’24–Jun ’26."
  },
  {
   "payee": "AT&T internet",
   "amount": 80.25,
   "amountLabel": "$80.25",
   "dueDay": 18,
   "cadence": "Monthly",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "Likely autopay (flat)",
   "property": "Pompano",
   "category": "Utilities",
   "owner": "joint",
   "match": [
    "at&t"
   ],
   "tolerance": 0.1,
   "note": ""
  },
  {
   "payee": "Tesla Insurance (FL)",
   "amount": 860.47,
   "amountLabel": "$860.47",
   "dueDay": 19,
   "cadence": "Monthly",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "YES — recurring ACH",
   "property": "Vehicle",
   "category": "Insurance",
   "owner": "joint",
   "match": [
    "tesla insurance"
   ],
   "tolerance": 0.25,
   "note": ""
  },
  {
   "payee": "Wells Fargo #…8678 — 2024 Tesla",
   "amount": 1741.72,
   "amountLabel": "$1,741.72",
   "dueDay": 20,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay — “Draft Wells Fargo Auto”",
   "property": "Vehicle",
   "category": "Debt",
   "owner": "personal",
   "match": [
    "wells fargo auto"
   ],
   "tolerance": 0.05,
   "note": "x4053: drafts 20th–22nd, all 19 months. (Other WF loan x8150 $1,436.32 ENDED — last draft 7/29/25, old Tesla traded ~Aug ’25.)"
  },
  {
   "payee": "State Farm policy B (~$478.41)",
   "amount": 478.41,
   "amountLabel": "$478.41",
   "dueDay": 19,
   "cadence": "Monthly",
   "source": "AmEx Plat x67002",
   "sourceFeed": "amex",
   "autopay": "Autopay (card)",
   "property": "Unassigned — identify",
   "category": "Insurance",
   "owner": "ambiguous",
   "match": [
    "state farm"
   ],
   "tolerance": 0.1,
   "note": ""
  },
  {
   "payee": "State Farm policy C (~$43.42)",
   "amount": 43.42,
   "amountLabel": "$43.42",
   "dueDay": 21,
   "cadence": "Monthly",
   "source": "AmEx Plat x67002",
   "sourceFeed": "amex",
   "autopay": "Autopay (card)",
   "property": "Unassigned — identify",
   "category": "Insurance",
   "owner": "ambiguous",
   "match": [
    "state farm"
   ],
   "tolerance": 0.2,
   "note": "June charged $48.02 — repriced?"
  },
  {
   "payee": "FPL electric",
   "amount": 568.0,
   "amountLabel": "~$568",
   "dueDay": 22,
   "cadence": "Monthly",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "Unknown",
   "property": "Pompano",
   "category": "Utilities",
   "owner": "joint",
   "match": [
    "fpl"
   ],
   "tolerance": 0,
   "note": ""
  },
  {
   "payee": "FPL — 1551 N Flagler WPB (acct …8282)",
   "amount": 53.0,
   "amountLabel": "~$43–71",
   "dueDay": 24,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay — “Fpl Direct Debit”",
   "property": "Flagler WPB",
   "category": "Utilities",
   "owner": "personal",
   "match": [
    "fpl direct debit"
   ],
   "tolerance": 0,
   "note": "IDENTIFIED 7/23/26: this is the “Electric — Flagler” unknown — FPL x…8282, drafts ~23rd–27th, all 19 months on x4053."
  },
  {
   "payee": "MetLife (…2860) — identify policy",
   "amount": 577.84,
   "amountLabel": "$577.84",
   "dueDay": 24,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay ACH",
   "property": "Personal",
   "category": "Insurance",
   "owner": "personal",
   "match": [
    "metlife"
   ],
   "tolerance": 0.05,
   "note": "NEW 7/23/26: $577.84/mo all 19 months on x4053 (~24th; Feb ’26 paid by paper check). Likely life/LTD premium — identify policy."
  },
  {
   "payee": "Trionfo Premiums — identify policy",
   "amount": 179.98,
   "amountLabel": "$179.98",
   "dueDay": 26,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay ACH (“Trionfo Premiums”)",
   "property": "Personal",
   "category": "Insurance",
   "owner": "personal",
   "match": [
    "trionfo"
   ],
   "tolerance": 0.05,
   "note": "NEW 7/23/26: $179.98/mo since Jan ’25 (first drafts were catch-ups $719.92/$359.96), ~25th–27th. Trionfo = insurance/benefits administrator — identify policy."
  },
  {
   "payee": "AES / PHEAA — Tom student loans",
   "amount": 750.0,
   "amountLabel": "$750.00",
   "dueDay": 31,
   "cadence": "Monthly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay ACH — recurring",
   "property": "Personal",
   "category": "Debt",
   "owner": "personal",
   "match": [
    "pheaa"
   ],
   "tolerance": 0.05,
   "note": "x4053: drafts the LAST business day of each month, all 19 months Dec ’24–Jun ’26."
  },
  {
   "payee": "Dreamstime (stock photos)",
   "amount": 25.0,
   "amountLabel": "$25.00",
   "dueDay": 5,
   "cadence": "Monthly",
   "source": "Citi x9134 card",
   "sourceFeed": null,
   "autopay": "Card-charged sub",
   "property": "Personal",
   "category": "Subscriptions",
   "owner": "personal",
   "match": [
    "dreamstime"
   ],
   "tolerance": 0.1,
   "note": "On card 23/24 months. Business-candidate (marketing/content use plausible).",
   "origin": "citi-9134"
  },
  {
   "payee": "Prime Video Channels",
   "amount": 22.0,
   "amountLabel": "~$22/mo (2–3 charges)",
   "dueDay": 6,
   "cadence": "Monthly",
   "source": "Citi x9134 card",
   "sourceFeed": null,
   "autopay": "Card-charged sub",
   "property": "Personal",
   "category": "Subscriptions",
   "owner": "personal",
   "match": [
    "prime video"
   ],
   "tolerance": 0.6,
   "note": "Multiple channel subs, $4–12 each, 2–3 charges/mo.",
   "origin": "citi-9134"
  },
  {
   "payee": "811SARACEN*SPOTVL — UNIDENTIFIED ⚠",
   "amount": 29.55,
   "amountLabel": "$29.55",
   "dueDay": 6,
   "cadence": "Monthly",
   "source": "Citi x9134 card",
   "sourceFeed": null,
   "autopay": "Card-charged sub",
   "property": "Unknown",
   "category": "Subscriptions",
   "owner": "ambiguous",
   "match": [
    "spotvl"
   ],
   "tolerance": 0.1,
   "note": "UNIDENTIFIED recurring since Mar ’26, Ft Lauderdale descriptor — identify or cancel. Same NNNWORD*WORD aggregator format as VODTOPIA/WRYLIS.",
   "origin": "citi-9134"
  },
  {
   "payee": "TransUnion credit monitoring",
   "amount": 32.35,
   "amountLabel": "$32.35",
   "dueDay": 8,
   "cadence": "Monthly",
   "source": "Citi x9134 card",
   "sourceFeed": null,
   "autopay": "Card-charged sub",
   "property": "Personal",
   "category": "Subscriptions",
   "owner": "personal",
   "match": [
    "transunion"
   ],
   "tolerance": 0.1,
   "note": "All 24 months ($31.75→$32.35).",
   "origin": "citi-9134"
  },
  {
   "payee": "Amazon Kids+",
   "amount": 6.47,
   "amountLabel": "$6.47",
   "dueDay": 8,
   "cadence": "Monthly",
   "source": "Citi x9134 card",
   "sourceFeed": null,
   "autopay": "Card-charged sub",
   "property": "Personal",
   "category": "Subscriptions",
   "owner": "personal",
   "match": [
    "amazon kids"
   ],
   "tolerance": 0.1,
   "note": "All 24 months.",
   "origin": "citi-9134"
  },
  {
   "payee": "Shinesty (underwear sub)",
   "amount": 27.0,
   "amountLabel": "~$27",
   "dueDay": 8,
   "cadence": "Monthly",
   "source": "Citi x9134 card",
   "sourceFeed": null,
   "autopay": "Card-charged sub",
   "property": "Personal",
   "category": "Subscriptions",
   "owner": "personal",
   "match": [
    "shinesty"
   ],
   "tolerance": 0.4,
   "note": "15 of 24 months; last seen Apr ’26.",
   "origin": "citi-9134"
  },
  {
   "payee": "Audible",
   "amount": 15.85,
   "amountLabel": "$15.85",
   "dueDay": 9,
   "cadence": "Monthly",
   "source": "Citi x9134 card",
   "sourceFeed": null,
   "autopay": "Card-charged sub",
   "property": "Personal",
   "category": "Subscriptions",
   "owner": "personal",
   "match": [
    "audible"
   ],
   "tolerance": 0.1,
   "note": "Active since Oct ’25.",
   "origin": "citi-9134"
  },
  {
   "payee": "Autopilot Shorts (AI video SaaS)",
   "amount": 138.0,
   "amountLabel": "~$138 when active",
   "dueDay": 10,
   "cadence": "Monthly",
   "source": "Citi x9134 card",
   "sourceFeed": null,
   "autopay": "Card-charged sub",
   "property": "Personal",
   "category": "Subscriptions",
   "owner": "personal",
   "match": [
    "autopilot shorts"
   ],
   "tolerance": 0.6,
   "note": "Since Dec ’25, multiple tiers same month. Business-candidate (content-automation tooling).",
   "origin": "citi-9134"
  },
  {
   "payee": "Kindle Unlimited",
   "amount": 12.71,
   "amountLabel": "$12.71",
   "dueDay": 14,
   "cadence": "Monthly",
   "source": "Citi x9134 card",
   "sourceFeed": null,
   "autopay": "Card-charged sub",
   "property": "Personal",
   "category": "Subscriptions",
   "owner": "personal",
   "match": [
    "kindle"
   ],
   "tolerance": 0.1,
   "note": "Active since Mar ’25.",
   "origin": "citi-9134"
  },
  {
   "payee": "LALALS.com / MusicGPT (AI music)",
   "amount": 11.99,
   "amountLabel": "$11.99",
   "dueDay": 16,
   "cadence": "Monthly",
   "source": "Citi x9134 card",
   "sourceFeed": null,
   "autopay": "Card-charged sub",
   "property": "Personal",
   "category": "Subscriptions",
   "owner": "personal",
   "match": [
    "lalals",
    "musicgpt"
   ],
   "tolerance": 0.1,
   "note": "Business-candidate. Abu Dhabi merchant.",
   "origin": "citi-9134"
  },
  {
   "payee": "67CUSTODIO*VODTOPIA — UNIDENTIFIED ⚠",
   "amount": 34.79,
   "amountLabel": "$34.79",
   "dueDay": 23,
   "cadence": "Monthly",
   "source": "Citi x9134 card",
   "sourceFeed": null,
   "autopay": "Card-charged sub",
   "property": "Unknown",
   "category": "Subscriptions",
   "owner": "ambiguous",
   "match": [
    "vodtopia"
   ],
   "tolerance": 0.1,
   "note": "UNIDENTIFIED recurring since Feb ’26, Ft Lauderdale descriptor — identify or cancel.",
   "origin": "citi-9134"
  },
  {
   "payee": "553CURRANT*WRYLIS — UNIDENTIFIED ⚠",
   "amount": 19.9,
   "amountLabel": "$19.90",
   "dueDay": 26,
   "cadence": "Monthly",
   "source": "Citi x9134 card",
   "sourceFeed": null,
   "autopay": "Card-charged sub",
   "property": "Unknown",
   "category": "Subscriptions",
   "owner": "ambiguous",
   "match": [
    "wrylis"
   ],
   "tolerance": 0.1,
   "note": "UNIDENTIFIED recurring since Apr ’26, Ft Lauderdale descriptor — identify or cancel.",
   "origin": "citi-9134"
  },
  {
   "payee": "Truist HELOC #…5998",
   "amount": 2000.0,
   "amountLabel": "$2,000.00",
   "dueDay": null,
   "cadence": "Monthly",
   "source": "UNKNOWN",
   "sourceFeed": null,
   "autopay": "Unknown",
   "property": "Kater St",
   "category": "Debt",
   "owner": "personal",
   "match": [],
   "tolerance": 0,
   "note": "Bal $133,179 verified 7/21 — capture due date from Truist portal. NOT seen drafting x4053 Dec ’24–Jun ’26."
  },
  {
   "payee": "Penn Charter — mykidsspending top-up",
   "amount": 433.0,
   "amountLabel": "$100/wk (≈$433/mo)",
   "dueDay": null,
   "cadence": "Weekly (Mondays, school year)",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay — weekly ACH",
   "property": "Household",
   "category": "Subscriptions",
   "owner": "personal",
   "match": [
    "penncharter",
    "mykidsspending"
   ],
   "tolerance": 0.1,
   "note": "NEW 7/23/26 from x4053: $100 every Monday since 11/3/25, active thru Jun ’26."
  },
  {
   "payee": "Greenlight (kids app) — 2nd sub via x4053",
   "amount": 87.0,
   "amountLabel": "$20/wk (≈$87/mo)",
   "dueDay": null,
   "cadence": "Weekly",
   "source": "PLaw PC x4053 (Tom’s S-corp)",
   "sourceFeed": null,
   "autopay": "Autopay — weekly ACH",
   "property": "Household",
   "category": "Subscriptions",
   "owner": "personal",
   "match": [
    "greenlight"
   ],
   "tolerance": 0.1,
   "note": "NEW 7/23/26 from x4053: $20/week since 4/28/26 — IN ADDITION to the ~$34/mo Greenlight on joint x7224. Two Greenlight funding sources — intended?"
  },
  {
   "payee": "Merry Maids (cleaning)",
   "amount": 420.0,
   "amountLabel": "~$210–235 × up to 2/mo",
   "dueDay": null,
   "cadence": "Monthly",
   "source": "Citi x9134 card",
   "sourceFeed": null,
   "autopay": "Card-charged (day varies)",
   "property": "Pompano",
   "category": "Staff",
   "owner": "joint",
   "match": [
    "merry maids"
   ],
   "tolerance": 0.3,
   "note": "Confirmed on Citi x9134 statements (22 charges / 11 months thru Jun ’26, ~$4,810/yr run).",
   "origin": "citi-9134"
  },
  {
   "payee": "PWD water — Kater St",
   "amount": 300.0,
   "amountLabel": "~$300 (I&E 7/25)",
   "dueDay": null,
   "cadence": "Monthly",
   "source": "UNKNOWN",
   "sourceFeed": null,
   "autopay": "Unknown",
   "property": "Kater St",
   "category": "Utilities",
   "owner": "personal",
   "match": [],
   "tolerance": 0,
   "note": "NOT on x4053 Dec ’24–Jun ’26 — find the paying account."
  },
  {
   "payee": "South Jersey Gas — Brigantine",
   "amount": 175.0,
   "amountLabel": "~$175 (I&E 7/25)",
   "dueDay": null,
   "cadence": "Monthly",
   "source": "UNKNOWN",
   "sourceFeed": null,
   "autopay": "Unknown",
   "property": "Brigantine",
   "category": "Utilities",
   "owner": "personal",
   "match": [],
   "tolerance": 0,
   "note": "NOT on x4053 Dec ’24–Jun ’26 — find the paying account."
  },
  {
   "payee": "Electric — Brigantine (ACE?)",
   "amount": 85.0,
   "amountLabel": "~$85 (I&E 7/25)",
   "dueDay": null,
   "cadence": "Monthly",
   "source": "UNKNOWN",
   "sourceFeed": null,
   "autopay": "Unknown",
   "property": "Brigantine",
   "category": "Utilities",
   "owner": "personal",
   "match": [],
   "tolerance": 0,
   "note": "NOT on x4053 Dec ’24–Jun ’26 — find the paying account."
  },
  {
   "payee": "PGW gas — Kater St",
   "amount": 50.0,
   "amountLabel": "~$50 (I&E 7/25)",
   "dueDay": null,
   "cadence": "Monthly",
   "source": "UNKNOWN",
   "sourceFeed": null,
   "autopay": "Unknown",
   "property": "Kater St",
   "category": "Utilities",
   "owner": "personal",
   "match": [],
   "tolerance": 0,
   "note": "NOT on x4053 Dec ’24–Jun ’26 — find the paying account."
  },
  {
   "payee": "Greenlight (kids app)",
   "amount": 33.94,
   "amountLabel": "~$34",
   "dueDay": null,
   "cadence": "Monthly",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "Autopay",
   "property": "Household",
   "category": "Subscriptions",
   "owner": "joint",
   "match": [
    "greenlight"
   ],
   "tolerance": 0,
   "note": ""
  },
  {
   "payee": "Restoration Hardware financing",
   "amount": null,
   "amountLabel": "$803–$5,379 while open",
   "dueDay": null,
   "cadence": "Monthly",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "Unknown",
   "property": "Wyndmoor",
   "category": "Debt",
   "owner": "joint",
   "match": [],
   "tolerance": 0,
   "note": ""
  },
  {
   "payee": "Citi — American Airlines card paydown",
   "amount": null,
   "amountLabel": "variable",
   "dueDay": null,
   "cadence": "Monthly",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "Unknown",
   "property": "Card",
   "category": "Card",
   "owner": "joint",
   "match": [],
   "tolerance": 0,
   "note": "RESOLVED 7/23/26: the Citi/AA card IS x9134 (AAdvantage Executive World MC) — same card as the credit-card entry below. This line tracks the x7224-sourced ad-hoc paydowns only.",
   "origin": "citi-9134"
  }
 ],
 "cycles": [
  {
   "payee": "Brigantine RE taxes — quarterly card web-pay",
   "amount": 2863.2,
   "amountLabel": "~$2,950/qtr + ~$85 fee",
   "cadenceMonths": 3,
   "lastSeen": "2026-02-05",
   "nextExpected": "2026-05-05",
   "source": "AmEx (manual web-pay)",
   "sourceFeed": "amex",
   "autopay": "NO — manual",
   "property": "Brigantine",
   "category": "Taxes",
   "owner": "personal",
   "match": [
    "cityofbrigantine"
   ],
   "tolerance": 0.2,
   "note": "NJ quarters Feb/May/Aug/Nov. May ’26 quarter NOT visible on tracked cards — verify it was paid. Next real due Aug 1."
  },
  {
   "payee": "Liberty Mutual — auto policy",
   "amount": 7788.0,
   "amountLabel": "$7,788 annual",
   "cadenceMonths": 12,
   "lastSeen": null,
   "nextExpected": "2026-12-28",
   "source": "Liberty Mutual portal",
   "sourceFeed": null,
   "autopay": "NO — manual",
   "property": "Vehicles",
   "category": "Insurance",
   "owner": "personal",
   "match": [],
   "tolerance": 0.1,
   "note": "Manual annual billing. Next bill due 12/28/26."
  },
  {
   "payee": "City of Brigantine water/sewer (~2×/yr)",
   "amount": 402.94,
   "amountLabel": "~$405 + $12 fee",
   "cadenceMonths": 6,
   "lastSeen": "2026-02-04",
   "nextExpected": "2026-08-04",
   "source": "AmEx (manual web-pay)",
   "sourceFeed": "amex",
   "autopay": "NO — manual",
   "property": "Brigantine",
   "category": "Utilities",
   "owner": "personal",
   "match": [
    "city of brigantine"
   ],
   "tolerance": 0.25,
   "note": ""
  },
  {
   "payee": "Pye Barker / BeSafe alarm (quarterly-ish)",
   "amount": 179.85,
   "amountLabel": "~$180–360",
   "cadenceMonths": 3,
   "lastSeen": "2026-05-28",
   "nextExpected": "2026-08-28",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "Unknown",
   "property": "Wyndmoor",
   "category": "Utilities",
   "owner": "joint",
   "match": [
    "pye barker"
   ],
   "tolerance": 0.6,
   "note": "Cadence unconfirmed — verify with Pye Barker."
  },
  {
   "payee": "Liberty Mutual — Wyndmoor HO renewal",
   "amount": 11456.0,
   "amountLabel": "$11,456.00",
   "cadenceMonths": 12,
   "lastSeen": "2025-09-09",
   "nextExpected": "2026-09-28",
   "source": "AMEX *7002",
   "sourceFeed": "amex",
   "autopay": "NO — manual",
   "property": "Wyndmoor",
   "category": "Insurance",
   "owner": "joint",
   "match": [
    "liberty mutual"
   ],
   "tolerance": 0.2,
   "note": "Confirm whether next term moves into Planet Home escrow."
  },
  {
   "payee": "Neptune Flood — Brigantine (ASR3231883)",
   "amount": 2788.4,
   "amountLabel": "$2,788.40",
   "cadenceMonths": 12,
   "lastSeen": null,
   "nextExpected": "2026-09-18",
   "source": "UNKNOWN",
   "sourceFeed": null,
   "autopay": "Unknown",
   "property": "Brigantine",
   "category": "Insurance",
   "owner": "personal",
   "match": [],
   "tolerance": 0.1,
   "note": ""
  },
  {
   "payee": "J&J / Wiser — Brigantine HO renewal",
   "amount": 2318.9,
   "amountLabel": "$2,318.90",
   "cadenceMonths": 12,
   "lastSeen": null,
   "nextExpected": "2026-10-29",
   "source": "UNKNOWN",
   "sourceFeed": null,
   "autopay": "Unknown",
   "property": "Brigantine",
   "category": "Insurance",
   "owner": "personal",
   "match": [],
   "tolerance": 0.1,
   "note": ""
  },
  {
   "payee": "Sharkey’s Irrigation — winterize",
   "amount": 295.0,
   "amountLabel": "~$185–365",
   "cadenceMonths": null,
   "lastSeen": "2026-07-08",
   "nextExpected": "2026-11-15",
   "source": "Joint Truist x7224",
   "sourceFeed": "x7224",
   "autopay": "NO — invoice",
   "property": "Wyndmoor",
   "category": "Grounds",
   "owner": "joint",
   "match": [
    "sharkey"
   ],
   "tolerance": 0.6,
   "note": "Opened 7/8/26 ($295); winterize ~Nov (estimated)."
  },
  {
   "payee": "Registrations cluster — boats/trailers/vehicles",
   "amount": 600.0,
   "amountLabel": "~$400–800 total",
   "cadenceMonths": 12,
   "lastSeen": null,
   "nextExpected": "2026-11-25",
   "source": "UNKNOWN",
   "sourceFeed": null,
   "autopay": "NO — manual",
   "property": "Vehicles/boats",
   "category": "Registrations",
   "owner": "personal",
   "match": [],
   "tolerance": 0.1,
   "note": "Most expire 11/25/2026."
  },
  {
   "payee": "Progressive — boats/watercraft (946135298)",
   "amount": 659.53,
   "amountLabel": "$659.53 annual",
   "cadenceMonths": 12,
   "lastSeen": null,
   "nextExpected": "2027-02-04",
   "source": "Progressive portal",
   "sourceFeed": null,
   "autopay": "Annual renewal",
   "property": "Boat",
   "category": "Insurance",
   "owner": "personal",
   "match": [],
   "tolerance": 0.1,
   "note": "Covers 2021 Grady-White 335 Freedom and 2021 Sea-Doo Wake Pro 230. Sold 2014 Grady-White 275 removed 7/23/26."
  },
  {
   "payee": "State Farm — personal articles (rings)",
   "amount": 357.0,
   "amountLabel": "$357.00",
   "cadenceMonths": 12,
   "lastSeen": null,
   "nextExpected": "2027-02-05",
   "source": "UNKNOWN",
   "sourceFeed": null,
   "autopay": "Unknown",
   "property": "Personal",
   "category": "Insurance",
   "owner": "ambiguous",
   "match": [],
   "tolerance": 0.1,
   "note": "Rings — could be Mindy’s jewelry; confirm whose policy."
  },
  {
   "payee": "Philadelphia RE taxes — Kater St",
   "amount": 19000.0,
   "amountLabel": "✅ 2026 PAID by Tom 7/23/26 ($20,068.22 incl. late additions). Next: 2027 due 3/31/27",
   "cadenceMonths": 12,
   "lastSeen": "2026-07-23",
   "nextExpected": "2027-03-31",
   "source": "paid direct — tax-services.phila.gov (parcel 301027615)",
   "sourceFeed": null,
   "autopay": "NO — manual; SET REMINDER for Feb 2027 to avoid repeat",
   "property": "Kater St",
   "category": "Taxes",
   "owner": "personal",
   "match": [],
   "tolerance": 0.15,
   "note": "Per Tom 7/22. Verify 2026 was actually paid — no payment visible in tracked accounts."
  },
  {
   "payee": "Liberty Mutual — Kater HO renewal",
   "amount": 8998.0,
   "amountLabel": "$8,998.00",
   "cadenceMonths": 12,
   "lastSeen": "2026-07-21",
   "nextExpected": "2027-06-28",
   "source": "AMEX *7002",
   "sourceFeed": "amex",
   "autopay": "NO — manual (enroll autopay)",
   "property": "Kater St",
   "category": "Insurance",
   "owner": "personal",
   "match": [],
   "tolerance": 0.15,
   "note": "✅ Paid 7/21/26 for 6/28/26–6/28/27 term (conf 585143549)."
  },
  {
   "payee": "Liberty Mutual — Umbrella renewal",
   "amount": 1643.0,
   "amountLabel": "$1,643.00",
   "cadenceMonths": 12,
   "lastSeen": "2026-06-30",
   "nextExpected": "2027-06-28",
   "source": "AMEX *7002",
   "sourceFeed": "amex",
   "autopay": "NO — manual",
   "property": "Personal",
   "category": "Insurance",
   "owner": "ambiguous",
   "match": [],
   "tolerance": 0.15,
   "note": "✅ Paid 6/30/26 for 6/28/26–6/28/27 term. Umbrella usually covers the household — confirm joint vs Tom-only."
  },
  {
   "payee": "Citizens flood — Pompano (13641808)",
   "amount": 1351.0,
   "amountLabel": "2024 pmt $1,351",
   "cadenceMonths": 12,
   "lastSeen": null,
   "nextExpected": null,
   "source": "Possibly Carrington escrow",
   "sourceFeed": null,
   "autopay": "Unknown",
   "property": "Pompano",
   "category": "Insurance",
   "owner": "joint",
   "match": [],
   "tolerance": 0.1,
   "note": "Renewal date UNKNOWN — verify whether inside the $4,691/mo Carrington escrow."
  },
  {
   "payee": "On Demand Pest Control — cadence unknown",
   "amount": 295.0,
   "amountLabel": "$295.00",
   "cadenceMonths": null,
   "lastSeen": "2026-07-03",
   "nextExpected": null,
   "source": "AmEx Gold x86007",
   "sourceFeed": "amex",
   "autopay": "Unknown",
   "property": "Pompano",
   "category": "Utilities",
   "owner": "joint",
   "match": [
    "on demand pest"
   ],
   "tolerance": 0.2,
   "note": "Single charge so far (7/3/26) — cadence unknown; overlaps Terminix?"
  },
  {
   "payee": "JR Systems (identify service)",
   "amount": 450.0,
   "amountLabel": "$450/yr",
   "cadenceMonths": 12,
   "lastSeen": null,
   "nextExpected": null,
   "source": "UNKNOWN",
   "sourceFeed": null,
   "autopay": "Unknown",
   "property": "Kater St",
   "category": "Utilities",
   "owner": "personal",
   "match": [],
   "tolerance": 0.2,
   "note": "Added per Tom 7/22 — identify service type, due month, payment source."
  },
  {
   "payee": "Progressive Insurance — policy on Citi x9134 (identify)",
   "amount": null,
   "amountLabel": "$241–$3,132 irregular",
   "cadenceMonths": null,
   "lastSeen": "2026-02-13",
   "nextExpected": null,
   "source": "Citi x9134 card",
   "sourceFeed": null,
   "autopay": "Card-charged",
   "property": "Household",
   "category": "Insurance",
   "owner": "joint",
   "match": [
    "progressive"
   ],
   "tolerance": 0.6,
   "note": "Added 7/23/26 from Citi x9134 statements: 7 charges Jun ’24–Feb ’26 totaling $6,916.28 ($240.92–$3,132.01) — identify the policy. NOT the Grady White boat policy (946135298, tracked separately, owner personal).",
   "origin": "citi-9134"
  }
 ],
 "creditCards": [
  {
   "payee": "AmEx Business Platinum x67002 (“x7002”)",
   "category": "credit-card",
   "owner": "ambiguous",
   "dueDay": 16,
   "dueWindow": "AutoPay posts card-side ~16th; x4053 ACH debits 16th–20th",
   "avgMonthly": 36028.41,
   "amountLabel": "$36,028/mo (3-mo avg of autopays May–Jul); $255.6K YTD over 9 pmts",
   "source": "PLaw x4053 (Tom’s S-corp) — ALL 7 2026 autopays ($5K–$45.7K); + $17.5K from an UNIDENTIFIED acct (3/24 $7.5K, 4/8 $10K)",
   "autopay": "✅ AmEx AutoPay ON (monthly, ~16th)",
   "lastPayment": "7/16/26 · $42,816.65",
   "match": [
    "amex epayment"
   ],
   "note": "MIXED: personal + firm spend on it; PLaw x4053 pays it in 2026, but PP funded 94.3% ($1.09M) of 2025 payments — Tom to rule owner. ⚠ 2/17/26 autopay NSF-BOUNCED from x4053 (reversed 2/18, retried 2/20 — cleared). NOTE: PP x4073’s big “AMEX EPAYMENT” ACHs ($50K 3/4, $60K 4/6, $130.3K 5/18, $110K 6/8, $100K 6/16, $50K 6/25 + $163.5K Dec) do NOT land on this card — they pay PP corporate AmEx 2100201 (firm card, excluded here like Truist x9652)."
  },
  {
   "payee": "AmEx Gold x86007 (“x6007”)",
   "category": "credit-card",
   "owner": "personal",
   "dueDay": 10,
   "dueWindow": "AutoPay posts card-side ~10th; x4053 ACH debits 10th–12th",
   "avgMonthly": 2892.55,
   "amountLabel": "$2,893/mo (3-mo avg May–Jul); $33.9K YTD over 7 pmts",
   "source": "PLaw x4053 (Tom’s S-corp) ($27.9K of 2026 pmts) + 3/24 $3,240.17 from an UNIDENTIFIED acct",
   "autopay": "✅ AmEx AutoPay ON (monthly, ~10th)",
   "lastPayment": "7/10/26 · $2,759.87",
   "match": [
    "amex epayment"
   ],
   "note": "100% PERSONAL spend (Tom 7/22 ruling) but pays from the firm account — move to a personal acct. 2025: PLaw autopaid $324,231.52 over 13 payments. No April ’26 autopay (3/24 online pmt covered the cycle)."
  },
  {
   "payee": "Citi AAdvantage Executive x9134 (= the Citi/AA card)",
   "category": "credit-card",
   "owner": "personal",
   "dueDay": 21,
   "dueWindow": "Payment due ~21st monthly; AutoPay posts mid-month (1/15, 3/16, 4/15, 6/15 observed)",
   "avgMonthly": 6464.0,
   "amountLabel": "~$6.5K/mo YTD all-in: AutoPay min ~$1,100–$1,500 (was $680–$811 in ’24) + ad-hoc paydowns $3K–$20K",
   "source": "AutoPay from bank (via PLaw x4053, Tom’s S-corp) + Tom’s manual “Citi Card Online” / x7224 paydowns",
   "autopay": "✅ Citi AutoPay ON (mid-month, min/statement due) + manual lumps",
   "lastPayment": "6/15/26 · $1,231.63 (autopay)",
   "match": [
    "citi autopay",
    "citi card online"
   ],
   "note": "STATEMENT-VERIFIED 7/23/26 (citi-9134 analysis, 24 stmts Jun ’24–Jun ’26, 24/24 tie): balance $36,636.57 @ 26.49% promo APR (peaked $51.6K Jan ’26); interest running $700–$1,100/mo — 2025 interest $8,491.70 + $595 fee. Refinance/retire this balance. x9134 IS the AAdvantage card — the “Citi — AA card paydown” line (Joint page, x7224-sourced) is the SAME card; x7224 lumps $145–$11,318 also hit it. Manual paydowns from x4053: 12/1/25 $15K · 2/9 $15K · 5/1 $3K · 5/7 $15K (no Feb/May autopay — lumps zeroed the min due). Truist card x9652 payments from PP x4073 are FIRM — excluded.",
   "origin": "citi-9134"
  },
  {
   "payee": "Apple Card (GS Bank)",
   "category": "credit-card",
   "owner": "personal",
   "dueDay": 1,
   "dueWindow": "Pays ~1st–9th of month (2/9, 4/1+4/7, 5/1, 6/1 observed)",
   "avgMonthly": 1594.11,
   "amountLabel": "~$1,594/mo (3-mo avg Apr–Jun); amount VARIES $167–$2,500",
   "source": "PLaw x4053 (Tom’s S-corp) — “Applecard Gsbank” ACH",
   "autopay": "Partial — 6/1 posted as ACH Web-RECUR (autopay?); earlier pmts were manual web",
   "lastPayment": "6/1/26 · $228.99",
   "match": [
    "applecard gsbank"
   ],
   "note": "Roughly monthly but skipped Jan + Mar ’26 (interest-free card — pay-in-full varies). Get the Wallet export to see statement balances/due dates."
  }
 ]
}