* - Add tests for `Simplefin::AccountTypeMapper` and `AccountSimplefinCreation`
- Implement `Simplefin::AccountTypeMapper` for account type inference with fallback-only logic
- Enhance inactive state handling for `SimplefinItem::Importer`
- Improve subtype selection handling in views with confidence-based inference
* Remove unnecessary `.presence` check for `openai_uri_base` in hostings settings
* Refine zero balance detection logic in `SimplefinItem::Importer` and add regression test for missing balances scenario
* Enhance account type and subtype inference logic with explicit investment subtype mapping, improved regex handling, and institution-based credit card detection
* Refine retirement subtype mapping in `AccountTypeMapper` tests with explicit case-based assertions
* Expand `AccountTypeMapper` investment subtype mapping to include `403b` and `tsp` with updated regex definitions
* Remove unused `retirement_hint?` method in `AccountTypeMapper` to simplify codebase
---------
Co-authored-by: Josh Waldrep <joshua.waldrep5+github@gmail.com>
