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+## PR #1214 Review: Respect manually selected account type in SimpleFIN liability logic
+
+### Summary
+
+Fixes #868 where Discover checking/savings accounts had inverted balances because the mapper incorrectly inferred them as liabilities. The fix prioritizes the user's manually selected account type over mapper inference.
+
+### Assessment: Approve with minor suggestion
+
+The core logic change is correct. When `account.accountable_type` is present, use the linked type's liability classification; otherwise fall back to mapper inference. This properly trusts user-selected account types.
+
+### Issue: `OtherLiability` missing from liability checks
+
+Line 55 and 66 only check `["CreditCard", "Loan"]` but `Accountable::TYPES` includes `OtherLiability`. Suggest:
+
+```ruby
+LIABILITY_TYPES = %w[CreditCard Loan OtherLiability].freeze
+```
+
+### Tests look good
+
+The two new tests properly verify both directions: depository overrides mapper (positive balance preserved) and credit card overrides mapper (balance inverted). The old "mislinked" test is correctly replaced.