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.
