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Period.current_month_for returns a range ending today, so Period#days was the same arithmetic as elapsed_days and pace_factor was always 1.0. Month-to-date spend was compared against full baseline months, so an on-pace category read as a large shortfall for most of the month. Derive the month length from the period start instead, which is also correct for families using a custom month start. Adds the generator's first test coverage.