Accounts tab and page: savings and mortgage balances kept separate from spending and the budget

Co-Authored-By: Claude Sonnet 5.5 <noreply@anthropic.com>

app_page.html

@@ -31,7 +31,7 @@ th{font-size:12px;color:var(--mute);font-weight:600}td.num{text-align:right;font
 </head>
 <body>
 <main>
-  <nav class="tabs"><a href="/" class="on" aria-current="page">Statements</a><a href="/budget">Budget</a><a href="/dashboard">Dashboard</a></nav>
+  <nav class="tabs"><a href="/" class="on" aria-current="page">Statements</a><a href="/budget">Budget</a><a href="/dashboard">Dashboard</a><a href="/accounts">Accounts</a></nav>
   <div class="row"><h1 style="margin:0">Statement Loader</h1></div>
   <div class="sub">Runs only on this Mac. Drop in statements, check what’s covered, then add the new transactions to <b>Bills_Tracker.xlsx</b>. A backup is saved first, every time.</div>
 
@@ -91,8 +91,9 @@ async function refresh(msg){
   c.accounts.forEach(a=>{h+=`<tr><td><b>${esc(a.account)}</b><div class="mute" style="font-size:12px">${a.count} ${a.kind=="csv"?"download(s)":"statements"}</div></td>`+
     c.months.map(m=>{const v=a.cells[m];return `<td><span class="cell ${v}">${v=="have"?"✓":v=="missing"?"!":"·"}</span></td>`}).join("")+`<td class="mute">through ${esc(a.through)}<br>${esc(a.next)}</td></tr>`});
   $("#coverage").innerHTML=h+"</table>";
-  const n=s.new; $("#import").disabled=!n.length;
+  const n=s.new; $("#import").disabled=!(n.length||s.accounts_new);
   $("#summary").innerHTML=n.length?`<b>${n.length}</b> new transactions found (${s.summary.log} go to the Bill Log, ${s.summary.excluded} are card payments/transfers kept off the spending totals). ${s.already} were already in the workbook.`+(s.summary.new_payees.length?` <span class="pill new">${s.summary.new_payees.length} new payee(s) to categorize</span>`:""):`Nothing new — all ${s.already} transactions in ${s.statements} files are already in the workbook.`;
+  if(s.accounts_new)$("#summary").innerHTML+=` <b>${s.accounts_new}</b> savings / loan balance(s) will be recorded on the separate Accounts tab (not in spending or the budget).`;
   $("#preview").innerHTML=n.length?"<tr><th>Date</th><th>Account</th><th>Statement description</th><th>Goes to</th><th>Payee / reason</th><th class='num'>Amount</th></tr>"+n.map(r=>`<tr><td>${r.date}</td><td>${esc(r.account)}</td><td>${esc(r.desc)}</td><td><span class="pill ${r.kind=="log"?"new":"ex"}">${r.kind=="log"?"Bill Log":"Excluded"}</span></td><td>${esc(r.kind=="log"?r.payee:r.reason)}${r.new_payee?' <span class="pill new">new</span>':""}</td><td class="num">${fmt(r.amount)}</td></tr>`).join(""):"";
 }
 async function upload(files){