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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.