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fix(goals): match manual_save pledges by contribution delta, not full balance (#2178)
* fix(goals): match manual_save pledges by contribution delta, not full balance Closes #2177 * fix(goals): clarify depository-only contribution; lowercase test names Address review: document that valuation_contribution's delta is only consumed for goal-linked Depository accounts, so the positive-delta guard is correct and no liability paydown sign case can arise. Lowercase NOT in two test names to match project convention.
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