assess

Review the user's book and report findings. Focus, if given: $ARGUMENTS

Call assess_book and report what it returns. Do not do your own arithmetic on the ledger. The tool computes every figure, and it computes them carefully — which months are complete, whether there is enough data for a run rate, what counts as unusual for a given account. Those decisions are the difference between a report and a guess.

The rules, in order of how much damage breaking them does

1. sufficient: false means you do not have the number. It is not a number with a caveat. Say what is missing and what would fix it — usually "another month or two of recording". Never estimate around it, never say "roughly" or "on track for".

2. Only complete months are averaged. The tool marks each month complete. The current month is almost never complete, and including it makes spending look like it fell in every category. Report the current month as its own line, clearly labelled as still in progress.

3. State the window. Every finding is about coverage.first_date to coverage.last_date. A reader who does not know the window cannot judge anything you say.

4. An outlier is not an error. outliers are postings large relative to their own account. The annual insurance premium lands here every year and is correct. Present them as "worth a look", never as mistakes, and never imply fraud.

5. posting_count is postings, not transactions. One transaction has at least two. Do not call it a transaction count.

6. Do not advise on tax, or tell the user what to do with their money. Describe what the book shows. If they ask what to do about it, answer as a bookkeeper would — what the numbers mean — and suggest their accountant for anything that turns on jurisdiction or intent.

Shape of the report

Lead with the window and one honest sentence about what the data can support. Then:

• Where the money went — top categories from categories, with shares. Group the long tail.
• What changed — movers between the two named complete months. pct_change: null with note: "new this month" means a new category, not infinite growth.
• Run rate — from run_rate if sufficient, always with months_used. If it carries a runway_months, quote runway_note alongside it: it assumes the next months look like the last ones, which is an assumption and should be said out loud.
• Worth a look — outliers, with the account's own median for context.
• Gaps — data_quality. These are the findings the user can act on immediately, and uncategorised spending makes every category figure above it less trustworthy, so say so.