fix(goals): jjmata review — reconciler guard, chart i18n, pace test

Three issues raised on PR #1798 review:

- ProviderImportAdapter now memoizes account.goal_accounts.exists?
  per-account so a bulk historical import on an unlinked account
  short-circuits the reconciler instead of paying one SELECT per row.
  Linked accounts still hit the per-row reconciler with no change.
- goal_projection_chart_controller.js reads Today / Projected /
  Saved labels via Stimulus values fed from
  goals.show.projection.* locale keys instead of inlining English.
- goal_test.rb now covers Goal#pace with real inflows, asserting
  the 90-day window cutoff plus the Transaction.excluding_pending
  and entries.excluded = false filters.

test/models/goal_test.rb

@@ -1,6 +1,8 @@
 require "test_helper"
 
 class GoalTest < ActiveSupport::TestCase
+  include EntriesTestHelper
+
   setup do
     @family = families(:dylan_family)
     @depository = accounts(:depository)
@@ -114,6 +116,40 @@ class GoalTest < ActiveSupport::TestCase
     assert_equal 0, fresh.pace.to_d
   end
 
+  test "pace averages 90-day net inflow, excluding pending and excluded entries" do
+    account = Account.create!(
+      family: @family,
+      accountable: Depository.new,
+      name: "Pace Savings",
+      currency: "USD",
+      balance: 0
+    )
+    goal = @family.goals.create!(
+      name: "Pace goal",
+      target_amount: 10_000,
+      currency: "USD"
+    ) { |g| g.goal_accounts.build(account: account) }
+
+    # Three inflows over the 90-day window. Sure convention: inflows are
+    # negative. Net = -900 → pace = 900 / 3 = 300.
+    create_transaction(account: account, amount: -300, date: 80.days.ago.to_date)
+    create_transaction(account: account, amount: -300, date: 40.days.ago.to_date)
+    create_transaction(account: account, amount: -300, date: 5.days.ago.to_date)
+
+    # Pending inflow that must be excluded by `Transaction.excluding_pending`.
+    pending_entry = create_transaction(account: account, amount: -1_000, date: 10.days.ago.to_date)
+    pending_entry.transaction.update!(extra: { "plaid" => { "pending" => true } })
+
+    # User-excluded outflow that must be excluded by `entries.excluded = false`.
+    excluded_entry = create_transaction(account: account, amount: 500, date: 20.days.ago.to_date)
+    excluded_entry.update!(excluded: true)
+
+    # Entry outside the 90-day window — must be ignored.
+    create_transaction(account: account, amount: -10_000, date: 200.days.ago.to_date)
+
+    assert_equal 300, goal.pace.to_d
+  end
+
   test "months_of_runway is nil when goal has a target date" do
     assert_not_nil @goal.target_date
     assert_nil @goal.months_of_runway