User-facing doc gains explicit 1xM (one goal, multiple accounts),
N goals on shared accounts, and overlap (NxM) sections, plus the
reallocation flow and "why is this goal behind?" diagnostic.
Mechanics doc is rewritten against the actual code on the branch:
file:line citations for current state, accurate corrections to the
prior draft (Sure uses Account AASM status not archived_at, no
Account#balance_at method, balance history via Balance::ChartSeriesBuilder
CTE, Transaction::TRANSFER_KINDS for pace exclusion, advisory-lock
pattern lifted from IdentifyRecurringTransactionsJob, partial-unique
index precedent from entries[external_id, source]), concrete migration
plan with seven steps, surface-by-surface STAY/CHANGE/DELETE verdict
on every component, view, and Stimulus controller, day-one
instrumentation events, and four pre-launch user tests.
User-facing doc and mechanics companion converged on an account-linked
model with a pledge layer. Surfaces the pledge-with-7-day-match mechanic,
proportional-to-remaining-need split default, "Reserved beyond balance"
framing, in-chart pending segment, two-clock rate limit, archive-in-place
account handling, months-of-runway for open-ended goals, and the
pre-launch user tests + day-one pledge instrumentation.
The user-facing note focuses on how a Goal's balance gets computed
and what changes for the user. The mechanics doc covers the schema,
pro-rata math, pace window, and the operational details engineers
need but most readers don't.
Captures the open question on the data model behind Goals
(account-linked vs free-form ledger vs tag-based) for community
review before PR #1757 merges.
