Account creation and guarded onboarding flow.
Current-cash starting balance with automatic rollover enabled.
Dynamic bill generation, shared/custom categories, recurring targets,
and optional same-day onboarding transactions.
Optional dormant reserve and additional categories.
Mailgun email or authenticator-app 2FA configuration.
Responsive dark/light UI with no overflow at 390px.
Fixed administrator session-ID creation bug.
Core implementation: [OnboardingService.php (line
59)](/Users/tyemeclifford/Documents/GH/budget/app/OnboardingService.php:59),
[onboarding.php (line
19)](/Users/tyemeclifford/Documents/GH/budget/views/onboarding.php:19),
and [index.php (line
143)](/Users/tyemeclifford/Documents/GH/budget/public/index.php:143).
Verification passed: financial self-test, onboarding integration test,
full browser walkthrough, mobile layout, routing guards, and zero
browser console errors. Live email delivery requires actual Mailgun
credentials and was not sent during testing.
Ty Clifford