## Problem and evidence

<!-- Describe the measured problem. -->

## Change

<!-- Keep financial logic, runtime and UI responsibilities explicit. -->

## Verification

<!-- Include commands, results, sample sizes and benchmark methodology. -->

## Risk and rollback

<!-- State data, look-ahead, compatibility and operational risks. -->

- [ ] No credentials or restricted data are included.
- [ ] GET endpoints remain read-only.
- [ ] No frontend render triggers heavy computation.
- [ ] Financial claims are evidence-bound.
- [ ] Tests cover the changed behavior.