phase-7_alpha: legacy code cleanup

CLAUDE.md

@@ -4,10 +4,7 @@ Guidance for working in this repository.
 
 ## Overview
 
-`market-screener` is a Node.js project with two modes:
+`market-screener` is a Node.js project consisting of a Fastify API server that powers the SvelteKit dashboard in the `ui/` subdirectory.
-
-1. **CLI** — screens stocks, ETFs, and bonds via `npm start`, generates HTML reports
-2. **Fastify API server** — powers the SvelteKit dashboard in the `ui/` subdirectory
 
 Every asset is scored under two lenses:
 
@@ -26,10 +23,6 @@ ES module project (`"type": "module"`); use `import`/`export`, not `require`.
 npm install                                   # install dependencies
 npm run dev                                   # start API server (port 3000) + SvelteKit UI (port 5173) together
 npm run server                                # API server only (port 3000)
-npm start                                     # CLI: Yahoo news → catalyst tickers → screener-report.html
-npm start -- watch                            # CLI: default watchlist
-npm start -- AAPL MSFT VOO                    # CLI: specific tickers
-npm run finance                               # CLI: portfolio advice + SimpleFIN → finance-report.html
 npm test                                      # run all unit tests (node:test, zero external deps)
 npm run test:watch                            # watch mode — uses verbose spec reporter
 npm run format                                # format all server/bin/tests with Prettier
@@ -45,13 +38,8 @@ npm run ui:install                            # install UI dependencies (ui/ sub
 
 ```
 bin/
-  screen.ts              ← CLI screener entry point
-  finance.ts             ← CLI personal finance entry point
   server.ts              ← Fastify API server entry point (imports buildApp from server/app.ts)
 
-scripts/
-  summary-reporter.js    ← custom node:test reporter (silent on pass, summary line at end)
-
 prompts/
   catalyst-analysis.md   ← daily catalyst analysis playbook (LLM prompt + workflow)
 
@@ -66,8 +54,8 @@ server/
     analyze.controller.ts  ← POST /api/analyze (LLM analysis for a ticker set)
 
   services/              ← business logic, no HTTP or I/O concerns
-    ScreenerEngine.ts    ← orchestrates: fetch → score × 2. Methods: screenTickers() (pure data),
+    ScreenerEngine.ts    ← orchestrates: fetch → score × 2. Method: screenTickers() → ScreenerResult.
-                           screenWithProgress() (CLI with stdout). Accepts { logger } option.
+                           Accepts injected YahooFinanceClient + BenchmarkProvider + { logger } option.
     DataMapper.ts        ← normalises Yahoo payload → flat asset data object.
                            Computes: DCF intrinsic value, analyst upside, 52W movement fields,
                            grossMargin, marketCap. Uses trailingPE. Preserves negative FCF.
@@ -109,10 +97,6 @@ server/
     EtfScorer.ts         ← expense gate + registry (cost, yield, volume, fiveYearReturn)
     BondScorer.ts        ← credit gate + spread/duration scoring
 
-  reporters/             ← HTML rendering, no business logic
-    HtmlReporter.ts      ← render() → HTML string (server), generate() → writes file (CLI)
-    FinanceReporter.ts   ← render() → HTML string (server), generate() → writes file (CLI)
-
   config/
     ScoringConfig.ts     ← CREDIT_RATING_SCALE + ScoringRules (single source of truth for all
                            gates, weights, thresholds including analyst and dcf weights)
@@ -208,7 +192,6 @@ Scorer × 2            — StockScorer / EtfScorer / BondScorer, fully stateless
   ↓
 ScreenerEngine         — derives Signal from comparing both verdicts
   ↓
-  ├── CLI path:   screenWithProgress() → HtmlReporter.generate() → screener-report.html
   └── API path:   screenTickers() → JSON (with serialized displayMetrics) → SvelteKit UI
 ```
 
@@ -442,17 +425,6 @@ new ScreenerEngine({ logger: noopLogger })
 
 ---
 
-## Reporter Pattern
-
-Both reporters have two methods:
-
-```ts
-reporter.render(...)     // → HTML string (use in server route responses)
-reporter.generate(...)   // → writes file to disk, returns path (use in CLI)
-```
-
----
-
 ## SimpleFIN Auth Flow
 
 1. User gets a Setup Token from https://beta-bridge.simplefin.org
@@ -497,7 +469,7 @@ tests/
 ```
 
 Pre-commit hook runs `lint-staged` (Prettier) then `npm test`. Pre-push hook runs `npm test`.
-Test output: silent on pass, shows only failures + one summary line (`scripts/summary-reporter.js`).
+Test output uses the built-in `spec` reporter.
 
 **Key unit:** `ytm` in `Bond.metrics` is stored as a percentage (e.g. `6.5` = 6.5%). `BondScorer._sanitize` divides by 100 before spread calculation.
 
@@ -525,7 +497,6 @@ This section is the single reference for where code lives and how to add feature
 | `server/clients/` | External API connectors — one class per third-party system | No business logic; only I/O and protocol handling |
 | `server/models/` | Domain entity classes — hold metrics and `getDisplayMetrics()` | No I/O; pure data + formatting |
 | `server/scorers/` | Stateless pure scoring functions | No I/O, no state; `score(metrics, rules, marketContext)` only |
-| `server/reporters/` | HTML rendering | No business logic; `render()` → string, `generate()` → file |
 | `server/config/` | Constants and scoring gates/weights | No logic; change numbers here, not in scorers |
 | `server/types/` | TypeScript interfaces and types | No logic; one `*.model.ts` per domain |
 | `server/utils/` | Shared pure utilities | No domain knowledge |

bin/finance.ts

@@ -1,85 +0,0 @@
-/**
- * bin/finance.ts — Personal Finance CLI
- */
-
-import 'dotenv/config';
-import { existsSync, readFileSync } from 'fs';
-import { SimpleFINClient, saveAccessUrlToEnv } from '../server/clients/SimpleFINClient';
-import { FinanceReporter } from '../server/reporters/FinanceReporter';
-import { PersonalFinanceAnalyzer } from '../server/services/PersonalFinanceAnalyzer';
-import { PortfolioAdvisor } from '../server/services/PortfolioAdvisor';
-import { ScreenerEngine } from '../server/services/ScreenerEngine';
-import type { PortfolioHolding } from '../server/types';
-
-const PORTFOLIO_PATH = './portfolio.json';
-
-async function main(): Promise<void> {
-  if (!existsSync(PORTFOLIO_PATH))
-    throw new Error('portfolio.json not found — edit it with your holdings and re-run.');
-
-  const { holdings } = JSON.parse(readFileSync(PORTFOLIO_PATH, 'utf8')) as {
-    holdings: PortfolioHolding[];
-  };
-
-  const byType = holdings.reduce<Record<string, number>>((acc, h) => {
-    const t = h.type ?? 'stock';
-    acc[t] = (acc[t] ?? 0) + 1;
-    return acc;
-  }, {});
-  console.log(
-    `📋 Portfolio: ${holdings.length} positions — ${Object.entries(byType)
-      .map(([t, n]) => `${n} ${t}`)
-      .join(', ')}\n`,
-  );
-
-  // ── SimpleFIN accounts (optional)
-  let personalFinance = null;
-  if (process.env.SIMPLEFIN_ACCESS_URL || process.env.SIMPLEFIN_SETUP_TOKEN) {
-    try {
-      process.stdout.write('💰 Fetching SimpleFIN accounts...');
-      const client = new SimpleFINClient({ onAccessUrlClaimed: saveAccessUrlToEnv });
-      await client.init();
-      const { accounts } = await client.getAccounts();
-      personalFinance = new PersonalFinanceAnalyzer().analyze(accounts);
-      process.stdout.write(` ${accounts.length} accounts loaded\n`);
-    } catch (err) {
-      process.stdout.write(` skipped — ${(err as Error).message}\n`);
-    }
-  } else {
-    console.log('ℹ  Add SIMPLEFIN_SETUP_TOKEN to .env for account balances & spending data\n');
-  }
-
-  // ── Screen stocks & ETFs
-  const screenableTickers = holdings
-    .filter((h) => (h.type ?? 'stock') !== 'crypto')
-    .map((h) => h.ticker.toUpperCase());
-
-  let results = {
-    STOCK: [] as any[],
-    ETF: [] as any[],
-    BOND: [] as any[],
-    ERROR: [] as any[],
-    marketContext: {} as any,
-  };
-  if (screenableTickers.length > 0) {
-    process.stdout.write(`📊 Screening ${screenableTickers.length} stock/ETF positions...`);
-    results = (await new ScreenerEngine().screenTickers(screenableTickers)) as any;
-    process.stdout.write(' done\n');
-  }
-
-  process.stdout.write('💡 Generating portfolio advice...');
-  const advice = await new PortfolioAdvisor().advise(holdings, results);
-  process.stdout.write(' done\n');
-
-  const reportPath = new FinanceReporter().generate(
-    advice as any,
-    personalFinance,
-    results.marketContext,
-  );
-  console.log(`\n✅  Finance report: ${reportPath}\n`);
-}
-
-main().catch((err) => {
-  console.error('Failed:', (err as Error).message);
-  process.exit(1);
-});

bin/screen.ts

@@ -1,84 +0,0 @@
-/**
- * bin/screen.ts — Market Screener CLI
- *
- * Fetches today's catalyst tickers from Yahoo Finance news,
- * screens them under both Market-Adjusted and Fundamental lenses,
- * and saves a full HTML report.
- *
- * Usage:
- *   npm start                   → Yahoo news → catalyst tickers → screen
- *   npm start -- watch          → default watchlist
- *   npm start -- AAPL MSFT VOO  → specific tickers
- */
-
-import 'dotenv/config';
-import { CatalystAnalyst } from '../server/services/CatalystAnalyst';
-import { ScreenerEngine } from '../server/services/ScreenerEngine';
-import { HtmlReporter } from '../server/reporters/HtmlReporter';
-
-const DEFAULT_WATCHLIST: string[] = [
-  'PLTR',
-  'AAPL',
-  'MSFT',
-  'TSLA',
-  'O',
-  'VOO',
-  'QQQ',
-  'BND',
-  'LQD',
-  'TLT',
-  'IEF',
-  'SHY',
-  'GOVT',
-  'AGG',
-  'MUB',
-];
-
-async function main(): Promise<void> {
-  const args = process.argv.slice(2);
-  let tickers: string[] = [];
-
-  if (args.length > 0 && args[0] !== 'watch') {
-    tickers = args.map((t) => t.toUpperCase());
-    console.log(`📋 Screening: ${tickers.join(', ')}\n`);
-  } else if (args[0] === 'watch') {
-    tickers = DEFAULT_WATCHLIST;
-    console.log(`📋 Screening default watchlist (${tickers.length} tickers)\n`);
-  } else {
-    try {
-      const { tickers: newsTickers, stories } = await new CatalystAnalyst().run();
-      if (newsTickers.length === 0) {
-        console.warn("⚠  No tickers in today's news — using default watchlist\n");
-        tickers = DEFAULT_WATCHLIST;
-      } else {
-        tickers = newsTickers;
-        console.log("\n📰 Stories driving today's screen:");
-        stories.slice(0, 5).forEach((s) => {
-          const tags = s.tickers.slice(0, 3).join(', ');
-          console.log(`   • ${s.title}${tags ? ` [${tags}]` : ''}`);
-        });
-        console.log(`\n📋 Tickers: ${tickers.join(', ')}\n`);
-      }
-    } catch (err) {
-      console.warn(
-        `⚠  Catalyst analysis failed (${(err as Error).message}) — using default watchlist\n`,
-      );
-      tickers = DEFAULT_WATCHLIST;
-    }
-  }
-
-  try {
-    const { STOCK, ETF, BOND, ERROR, marketContext } =
-      await new ScreenerEngine().screenWithProgress(tickers);
-    const reportPath = new HtmlReporter().generate(
-      { STOCK, ETF, BOND, ERROR } as any,
-      marketContext,
-    );
-    console.log(`\n✅  Done — report saved to: ${reportPath}\n`);
-  } catch (err) {
-    console.error('Screener failed:', (err as Error).message);
-    process.exit(1);
-  }
-}
-
-main().catch(console.error);

package.json

@@ -3,18 +3,16 @@
   "version": "2.0.0",
   "type": "module",
   "scripts": {
-    "start": "tsx bin/screen.ts",
     "server": "tsx bin/server.ts",
     "dev": "concurrently -n api,ui -c cyan,magenta \"tsx bin/server.ts\" \"npm run dev --prefix ui\"",
     "ui:install": "npm install --prefix ui --legacy-peer-deps",
-    "finance": "tsx bin/finance.ts",
     "typecheck": "tsc --noEmit",
-    "test": "tsx --test --test-reporter=./scripts/summary-reporter.ts tests/*.test.ts",
+    "test": "tsx --test --test-reporter=spec tests/*.test.ts",
     "test:watch": "tsx --test --watch --test-reporter=spec tests/*.test.ts",
     "lint": "eslint . --ext .ts,.js",
     "lint:fix": "eslint . --ext .ts,.js --fix",
-    "format": "prettier --write \"server/**/*.ts\" \"bin/**/*.ts\" \"tests/**/*.ts\" \"scripts/**/*.ts\"",
+    "format": "prettier --write \"server/**/*.ts\" \"bin/**/*.ts\" \"tests/**/*.ts\"",
-    "format:check": "prettier --check \"server/**/*.ts\" \"bin/**/*.ts\" \"tests/**/*.ts\" \"scripts/**/*.ts\"",
+    "format:check": "prettier --check \"server/**/*.ts\" \"bin/**/*.ts\" \"tests/**/*.ts\"",
     "prepare": "husky"
   },
   "lint-staged": {

scripts/summary-reporter.ts

@@ -1,48 +0,0 @@
-// Minimal test reporter: silent on pass, prints failures in full, ends with one summary line.
-import type { TestEvent } from 'node:test/reporters';
-
-interface Failure {
-  name: string;
-  reason: string;
-}
-
-export default async function* summaryReporter(
-  source: AsyncIterable<TestEvent>,
-): AsyncGenerator<string> {
-  const failures: Failure[] = [];
-  let passed = 0,
-    failed = 0,
-    totalMs = 0;
-
-  for await (const event of source) {
-    // Skip file-level wrapper events (name ends in .ts) — only count individual tests.
-    if ((event.data as { name?: string })?.name?.endsWith('.ts')) continue;
-
-    if (event.type === 'test:pass') {
-      passed++;
-      totalMs += (event.data as { details?: { duration_ms?: number } }).details?.duration_ms ?? 0;
-    } else if (event.type === 'test:fail') {
-      failed++;
-      totalMs += (event.data as { details?: { duration_ms?: number } }).details?.duration_ms ?? 0;
-      const err = (
-        event.data as { details?: { error?: { cause?: { message?: string }; message?: string } } }
-      ).details?.error;
-      failures.push({
-        name: (event.data as { name?: string }).name ?? 'unknown',
-        reason: err?.cause?.message ?? err?.message ?? 'unknown',
-      });
-    }
-  }
-
-  if (failures.length) {
-    yield '\nFailed tests:\n';
-    for (const f of failures) yield `  ❌ ${f.name}\n     ${f.reason}\n`;
-    yield '\n';
-  }
-
-  const status = failed === 0 ? '✅' : '❌';
-  const time = (totalMs / 1000).toFixed(2);
-  yield `${status} ${passed + failed} tests: ${passed} passed`;
-  if (failed) yield `, ${failed} failed`;
-  yield `  (${time}s)\n`;
-}

server/app.ts

@@ -5,6 +5,8 @@ import { FinanceController } from './controllers/finance.controller';
 import { CallsController } from './controllers/calls.controller';
 import { AnalyzeController } from './controllers/analyze.controller';
 import { ScreenerEngine } from './services/ScreenerEngine';
+import { BenchmarkProvider } from './services/BenchmarkProvider';
+import { PortfolioAdvisor } from './services/PortfolioAdvisor';
 import { LLMAnalyst } from './services/LLMAnalyst';
 import { CatalystAnalyst } from './services/CatalystAnalyst';
 import { YahooFinanceClient } from './clients/YahooFinanceClient';
@@ -29,14 +31,15 @@ export async function buildApp({ logger = true }: BuildAppOptions = {}) {
     origin: process.env.CLIENT_ORIGIN ?? 'http://localhost:5173',
   });
 
-  const engine = new ScreenerEngine({ logger: noopLogger });
-
   const yahoo = new YahooFinanceClient();
+  const benchmark = new BenchmarkProvider(yahoo, { logger: noopLogger });
+  const engine = new ScreenerEngine(yahoo, benchmark, { logger: noopLogger });
+  const advisor = new PortfolioAdvisor(yahoo);
   const llm = new LLMAnalyst({ logger: noopLogger });
   const catalyst = new CatalystAnalyst({ logger: noopLogger });
 
   new ScreenerController(engine).register(app);
-  new FinanceController(engine, new PortfolioRepository()).register(app);
+  new FinanceController(engine, new PortfolioRepository(), advisor).register(app);
   new CallsController(new MarketCallRepository(), engine, yahoo).register(app);
   new AnalyzeController(catalyst, llm).register(app);
 

server/controllers/finance.controller.ts

@@ -10,6 +10,7 @@ export class FinanceController {
   constructor(
     private readonly engine: ScreenerEngine,
     private readonly repo: PortfolioRepository,
+    private readonly advisor: PortfolioAdvisor,
   ) {}
 
   private static normalizeYahoo(ticker: string): string {
@@ -44,7 +45,7 @@ export class FinanceController {
         ? await this.engine.screenTickers(screenable)
         : { STOCK: [], ETF: [], BOND: [], ERROR: [], marketContext: {} as any };
 
-    const advice = await new PortfolioAdvisor().advise(holdings, results);
+    const advice = await this.advisor.advise(holdings, results);
     return { advice, personalFinance, marketContext: results.marketContext };
   }
 

server/reporters/FinanceReporter.ts

@@ -1,308 +0,0 @@
-import fs from 'fs';
-import path from 'path';
-import type { MarketContext } from '../types';
-
-export class FinanceReporter {
-  render(advice: unknown[], personalFinance: unknown, marketContext: MarketContext): string {
-    return this._build(advice, personalFinance, marketContext);
-  }
-
-  generate(
-    advice: unknown[],
-    personalFinance: unknown,
-    marketContext: MarketContext,
-    outputPath = './finance-report.html',
-  ): string {
-    const html = this._build(advice, personalFinance, marketContext);
-    fs.writeFileSync(outputPath, html, 'utf8');
-    return path.resolve(outputPath);
-  }
-
-  _build(advice: unknown, pf: unknown, ctx: unknown) {
-    const date = new Date().toISOString().slice(0, 10);
-    return `<!DOCTYPE html>
-<html lang="en">
-<head>
-<meta charset="UTF-8">
-<meta name="viewport" content="width=device-width, initial-scale=1.0">
-<title>Personal Finance — ${date}</title>
-<style>
-  *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
-  body { font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif; background: #0f1117; color: #e2e8f0; font-size: 13px; }
-  h1 { font-size: 20px; font-weight: 600; }
-  h2 { font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; color: #94a3b8; margin-bottom: 12px; }
-  .header { padding: 24px 32px 16px; border-bottom: 1px solid #1e293b; display: flex; align-items: center; gap: 16px; }
-  .pill { background: #1e293b; border-radius: 6px; padding: 4px 12px; font-size: 12px; color: #94a3b8; margin-left: auto; }
-  .pill span { color: #e2e8f0; font-weight: 600; margin-left: 4px; }
-  .content { padding: 24px 32px; }
-  .section { margin-bottom: 40px; }
-  .grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(160px, 1fr)); gap: 12px; margin-bottom: 24px; }
-  .card { background: #1e293b; border-radius: 8px; padding: 14px 16px; }
-  .card-label { font-size: 11px; color: #64748b; text-transform: uppercase; letter-spacing: 0.04em; }
-  .card-value { font-size: 20px; font-weight: 700; color: #f1f5f9; margin-top: 4px; }
-  .card-sub { font-size: 11px; color: #64748b; margin-top: 2px; }
-  table { width: 100%; border-collapse: collapse; }
-  thead th { text-align: left; padding: 8px 12px; font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.04em; color: #64748b; border-bottom: 1px solid #1e293b; white-space: nowrap; }
-  tbody tr { border-bottom: 1px solid #1a2233; }
-  tbody tr:hover { background: #1e293b; }
-  tbody td { padding: 10px 12px; vertical-align: middle; }
-  .ticker { font-weight: 700; font-size: 14px; color: #f1f5f9; }
-  .green  { color: #4ade80; }
-  .yellow { color: #facc15; }
-  .orange { color: #fb923c; }
-  .red    { color: #f87171; }
-  .gray   { color: #64748b; }
-  .advice-green  { color: #4ade80; font-weight: 600; }
-  .advice-yellow { color: #facc15; font-weight: 600; }
-  .advice-orange { color: #fb923c; font-weight: 600; }
-  .advice-red    { color: #f87171; font-weight: 600; }
-  .reason { color: #94a3b8; font-size: 11px; }
-  .bar-bg { background: #1e293b; border-radius: 4px; height: 8px; }
-  .bar-fill { background: #3b82f6; border-radius: 4px; height: 8px; }
-  .two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
-</style>
-</head>
-<body>
-<div class="header">
-  <h1>💰 Personal Finance</h1>
-  <div class="pill">Date <span>${date}</span></div>
-</div>
-<div class="content">
-
-  ${pf ? this._netWorthSection(pf) : ''}
-
-  ${this._portfolioSection(advice, ctx)}
-
-  ${pf ? this._spendingSection(pf) : ''}
-
-  ${pf ? this._accountsSection(pf) : ''}
-
-</div>
-</body>
-</html>`;
-  }
-
-  // ── Net worth ──────────────────────────────────────────────────────────────
-
-  _netWorthSection(pf) {
-    const f = (n) =>
-      new Intl.NumberFormat('en-US', {
-        style: 'currency',
-        currency: 'USD',
-        maximumFractionDigits: 0,
-      }).format(n);
-    return `
-  <div class="section">
-    <h2>Net Worth</h2>
-    <div class="grid">
-      ${this._card('Net Worth', f(pf.netWorth), pf.netWorth >= 0 ? 'green' : 'red')}
-      ${this._card('Total Assets', f(pf.totalAssets))}
-      ${this._card('Liabilities', f(pf.totalLiabilities), 'red')}
-      ${this._card('Cash & Savings', `${f(pf.totalCash)}`, null, `${pf.cashPct}% of assets`)}
-      ${this._card('Investments', `${f(pf.totalInvestments)}`, null, `${pf.investPct}% of assets`)}
-      ${pf.savingsRate != null ? this._card('Savings Rate', `${pf.savingsRate}%`, parseFloat(pf.savingsRate) > 20 ? 'green' : 'yellow') : ''}
-      ${this._card('Monthly Income', f(pf.totalIncome))}
-      ${this._card('Monthly Spend', f(pf.totalSpend))}
-    </div>
-  </div>`;
-  }
-
-  // ── Portfolio with hold/sell advice ───────────────────────────────────────
-
-  _portfolioSection(advice, ctx) {
-    const f = (n) =>
-      n != null
-        ? new Intl.NumberFormat('en-US', {
-            style: 'currency',
-            currency: 'USD',
-          }).format(n)
-        : '—';
-    const f2 = (n) =>
-      new Intl.NumberFormat('en-US', {
-        style: 'currency',
-        currency: 'USD',
-        maximumFractionDigits: 0,
-      }).format(n);
-    const b = ctx?.benchmarks ?? {};
-
-    const stocks = advice.filter((a) => a.type !== 'crypto');
-    const crypto = advice.filter((a) => a.type === 'crypto');
-
-    const totalValue = advice.reduce((s, a) => s + (parseFloat(a.marketValue) || 0), 0);
-    const totalCost = advice.reduce((s, a) => s + (a.costBasis ?? 0) * a.shares, 0);
-    const totalGL = totalValue - totalCost;
-    const totalGLPct = totalCost > 0 ? ((totalGL / totalCost) * 100).toFixed(1) : null;
-
-    const sourceColors = {
-      Robinhood: '#22c55e',
-      Vanguard: '#3b82f6',
-      Fidelity: '#f59e0b',
-      Coinbase: '#8b5cf6',
-    };
-    const sourcePill = (s) => {
-      const color = sourceColors[s] ?? '#64748b';
-      return `<span style="background:${color}22;color:${color};padding:2px 8px;border-radius:4px;font-size:11px;font-weight:600">${s}</span>`;
-    };
-
-    const stockRows = stocks
-      .map((a) => {
-        const glClass = parseFloat(a.gainLossPct) >= 0 ? 'green' : 'red';
-        const advClass = this._adviceClass(a.advice);
-        return `<tr>
-        <td class="ticker">${a.ticker}</td>
-        <td>${sourcePill(a.source)}</td>
-        <td><span style="background:#1e293b;padding:2px 8px;border-radius:4px;font-size:11px">${a.type}</span></td>
-        <td>${a.shares}</td>
-        <td>${f(a.costBasis)}</td>
-        <td>${f(parseFloat(a.currentPrice))}</td>
-        <td>${f(parseFloat(a.marketValue))}</td>
-        <td class="${glClass}">${a.gainLossPct != null ? a.gainLossPct + '%' : '—'}</td>
-        <td class="gray" style="font-size:11px">${a.signal ?? '—'}</td>
-        <td class="${advClass}">${a.advice}</td>
-        <td class="reason">${a.reason}</td>
-      </tr>`;
-      })
-      .join('');
-
-    const cryptoRows = crypto
-      .map((a) => {
-        const glClass = parseFloat(a.gainLossPct) >= 0 ? 'green' : 'red';
-        const advClass = this._adviceClass(a.advice);
-        return `<tr>
-        <td class="ticker">${a.ticker}</td>
-        <td>${sourcePill(a.source)}</td>
-        <td>${a.shares}</td>
-        <td>${f(a.costBasis)}</td>
-        <td>${f(parseFloat(a.currentPrice))}</td>
-        <td>${f(parseFloat(a.marketValue))}</td>
-        <td class="${glClass}">${a.gainLossPct != null ? a.gainLossPct + '%' : '—'}</td>
-        <td class="${advClass}">${a.advice}</td>
-        <td class="reason">${a.reason}</td>
-      </tr>`;
-      })
-      .join('');
-
-    return `
-  <div class="section">
-    <h2>Portfolio — Hold / Sell / Add Advice</h2>
-    <div class="grid" style="margin-bottom:16px">
-      ${this._card('Total Value', f2(totalValue))}
-      ${this._card('Total Cost', f2(totalCost))}
-      ${this._card('Total G/L', f2(totalGL), totalGL >= 0 ? 'green' : 'red', totalGLPct != null ? totalGLPct + '%' : '')}
-      ${this._card('S&P 500 P/E', (b.marketPE?.toFixed(1) ?? '—') + 'x', null, 'Live benchmark')}
-    </div>
-
-    ${
-      stocks.length > 0
-        ? `
-    <h2 style="margin-bottom:10px">Stocks &amp; ETFs</h2>
-    <table>
-      <thead><tr>
-        <th>Ticker</th><th>Source</th><th>Type</th><th>Shares</th>
-        <th>Cost Basis</th><th>Current</th><th>Value</th>
-        <th>G/L</th><th>Signal</th><th>Advice</th><th>Reason</th>
-      </tr></thead>
-      <tbody>${stockRows}</tbody>
-    </table>`
-        : ''
-    }
-
-    ${
-      crypto.length > 0
-        ? `
-    <h2 style="margin-top:24px;margin-bottom:10px">Crypto</h2>
-    <table>
-      <thead><tr>
-        <th>Ticker</th><th>Source</th><th>Shares</th>
-        <th>Cost Basis</th><th>Current</th><th>Value</th>
-        <th>G/L</th><th>Advice</th><th>Note</th>
-      </tr></thead>
-      <tbody>${cryptoRows}</tbody>
-    </table>`
-        : ''
-    }
-  </div>`;
-  }
-
-  // ── Spending breakdown ─────────────────────────────────────────────────────
-
-  _spendingSection(pf) {
-    const f = (n) =>
-      new Intl.NumberFormat('en-US', {
-        style: 'currency',
-        currency: 'USD',
-      }).format(n);
-    const rows = pf.categoryBreakdown
-      .slice(0, 10)
-      .map(
-        (c) => `
-      <tr>
-        <td>${c.category}</td>
-        <td style="text-align:right">${f(c.amount)}</td>
-        <td style="text-align:right; color:#94a3b8">${c.pct}%</td>
-        <td style="width:120px">
-          <div class="bar-bg"><div class="bar-fill" style="width:${Math.min(c.pct, 100)}%"></div></div>
-        </td>
-      </tr>`,
-      )
-      .join('');
-
-    return `
-  <div class="section">
-    <h2>Spending by Category — Last 30 Days</h2>
-    <table>
-      <thead><tr><th>Category</th><th style="text-align:right">Amount</th><th style="text-align:right">Share</th><th></th></tr></thead>
-      <tbody>${rows}</tbody>
-    </table>
-  </div>`;
-  }
-
-  // ── Accounts ───────────────────────────────────────────────────────────────
-
-  _accountsSection(pf) {
-    const f = (n) =>
-      new Intl.NumberFormat('en-US', {
-        style: 'currency',
-        currency: 'USD',
-      }).format(n);
-    const rows = pf.accounts
-      .map(
-        (a) => `
-      <tr>
-        <td class="ticker">${a.name}</td>
-        <td><span style="background:#1e293b;padding:2px 8px;border-radius:4px;font-size:11px">${a.type}</span></td>
-        <td class="gray">${a.org}</td>
-        <td style="text-align:right" class="${a.balance >= 0 ? 'green' : 'red'}">${f(a.balance)}</td>
-        <td class="gray" style="text-align:right">${a.balanceDate}</td>
-      </tr>`,
-      )
-      .join('');
-
-    return `
-  <div class="section">
-    <h2>Accounts</h2>
-    <table>
-      <thead><tr><th>Account</th><th>Type</th><th>Institution</th><th style="text-align:right">Balance</th><th style="text-align:right">Updated</th></tr></thead>
-      <tbody>${rows}</tbody>
-    </table>
-  </div>`;
-  }
-
-  // ── Helpers ────────────────────────────────────────────────────────────────
-
-  _card(label, value, colorClass = null, sub = null) {
-    return `<div class="card">
-      <div class="card-label">${label}</div>
-      <div class="card-value ${colorClass ? colorClass : ''}">${value}</div>
-      ${sub ? `<div class="card-sub">${sub}</div>` : ''}
-    </div>`;
-  }
-
-  _adviceClass(advice) {
-    if (advice?.includes('🟢')) return 'advice-green';
-    if (advice?.includes('🟡')) return 'advice-yellow';
-    if (advice?.includes('🟠')) return 'advice-orange';
-    if (advice?.includes('🔴')) return 'advice-red';
-    return 'gray';
-  }
-}

server/reporters/HtmlReporter.ts

@@ -1,400 +0,0 @@
-import fs from 'fs';
-import path from 'path';
-import type { MarketContext } from '../types';
-
-// Generates a self-contained HTML report saved to ./screener-report.html
-// Console output shows only the signal summary — full breakdown lives here.
-
-export class HtmlReporter {
-  render(
-    results: Record<string, unknown[]>,
-    marketContext: MarketContext,
-    personalFinance: unknown = null,
-  ): string {
-    return this._buildHtml(results, marketContext, personalFinance);
-  }
-
-  generate(
-    results: Record<string, unknown[]>,
-    marketContext: MarketContext,
-    personalFinance: unknown = null,
-    outputPath = './screener-report.html',
-  ): string {
-    const html = this._buildHtml(results, marketContext, personalFinance);
-    fs.writeFileSync(outputPath, html, 'utf8');
-    return path.resolve(outputPath);
-  }
-
-  // ── HTML builder ────────────────────────────────────────────────────────────
-
-  _buildHtml(results, ctx, pf = null) {
-    const b = ctx.benchmarks ?? {};
-    const all = [...results.STOCK, ...results.ETF, ...results.BOND];
-
-    return `<!DOCTYPE html>
-<html lang="en">
-<head>
-<meta charset="UTF-8">
-<meta name="viewport" content="width=device-width, initial-scale=1.0">
-<title>Market Screener — ${ctx.timestamp?.slice(0, 10) ?? ''}</title>
-<style>
-  *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
-  body { font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif; background: #0f1117; color: #e2e8f0; font-size: 13px; }
-  h1 { font-size: 20px; font-weight: 600; }
-  h2 { font-size: 14px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; color: #94a3b8; margin-bottom: 12px; }
-  a { color: inherit; text-decoration: none; }
-
-  .header { padding: 24px 32px 16px; border-bottom: 1px solid #1e293b; display: flex; align-items: center; gap: 16px; }
-  .header-meta { display: flex; gap: 24px; margin-left: auto; }
-  .pill { background: #1e293b; border-radius: 6px; padding: 4px 12px; font-size: 12px; color: #94a3b8; }
-  .pill span { color: #e2e8f0; font-weight: 600; margin-left: 4px; }
-
-  .content { padding: 24px 32px; }
-
-  .ctx-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(160px, 1fr)); gap: 12px; margin-bottom: 32px; }
-  .ctx-card { background: #1e293b; border-radius: 8px; padding: 14px 16px; }
-  .ctx-label { font-size: 11px; color: #64748b; text-transform: uppercase; letter-spacing: 0.04em; }
-  .ctx-value { font-size: 18px; font-weight: 700; color: #f1f5f9; margin-top: 4px; }
-
-  .section { margin-bottom: 40px; }
-  .tabs { display: flex; gap: 0; border-bottom: 1px solid #1e293b; margin-bottom: 16px; }
-  .tab { padding: 8px 20px; cursor: pointer; border-bottom: 2px solid transparent; font-size: 12px; font-weight: 600; color: #64748b; transition: color 0.15s; }
-  .tab.active { color: #e2e8f0; border-bottom-color: #3b82f6; }
-
-  table { width: 100%; border-collapse: collapse; }
-  thead th { text-align: left; padding: 8px 12px; font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.04em; color: #64748b; border-bottom: 1px solid #1e293b; white-space: nowrap; }
-  tbody tr { border-bottom: 1px solid #1a2233; transition: background 0.1s; }
-  tbody tr:hover { background: #1e293b; }
-  tbody td { padding: 10px 12px; vertical-align: middle; white-space: nowrap; }
-
-  .ticker { font-weight: 700; font-size: 14px; color: #f1f5f9; }
-  .price  { color: #94a3b8; font-variant-numeric: tabular-nums; }
-  .sector { font-size: 11px; color: #64748b; background: #1e293b; padding: 2px 8px; border-radius: 4px; }
-  .score  { font-weight: 700; font-variant-numeric: tabular-nums; }
-
-  .verdict-green  { color: #4ade80; }
-  .verdict-yellow { color: #facc15; }
-  .verdict-red    { color: #f87171; }
-
-  .signal-strong  { color: #4ade80; font-weight: 700; }
-  .signal-momentum{ color: #60a5fa; font-weight: 700; }
-  .signal-neutral { color: #94a3b8; }
-  .signal-spec    { color: #fb923c; font-weight: 700; }
-  .signal-avoid   { color: #f87171; font-weight: 700; }
-
-  .pass { color: #4ade80; }
-  .fail { color: #f87171; }
-  .flag { color: #fb923c; font-size: 11px; display: block; margin-top: 2px; }
-
-  .risk-flags { display: flex; flex-direction: column; gap: 2px; }
-
-  .tab-content { display: none; }
-  .tab-content.active { display: block; }
-
-  .no-data { color: #334155; }
-</style>
-</head>
-<body>
-
-<div class="header">
-  <h1>📊 Market Screener</h1>
-  <div class="header-meta">
-    <div class="pill">Date <span>${ctx.timestamp?.slice(0, 10) ?? '—'}</span></div>
-    <div class="pill">Rate <span>${ctx.rateRegime}</span></div>
-    <div class="pill">Volatility <span>${ctx.volatilityRegime}</span></div>
-  </div>
-</div>
-
-<div class="content">
-
-  <div class="ctx-grid">
-    ${this._ctxCard('10Y Yield', (ctx.riskFreeRate?.toFixed(2) ?? '—') + '%')}
-    ${this._ctxCard('VIX', ctx.vixLevel?.toFixed(1) ?? '—')}
-    ${this._ctxCard('S&P 500', ctx.sp500Price?.toLocaleString() ?? '—')}
-    ${this._ctxCard('S&P 500 P/E', (b.marketPE?.toFixed(1) ?? '—') + 'x')}
-    ${this._ctxCard('Tech P/E', (b.techPE?.toFixed(1) ?? '—') + 'x')}
-    ${this._ctxCard('REIT Yield', (b.reitYield?.toFixed(2) ?? '—') + '%')}
-    ${this._ctxCard('IG Spread', (b.igSpread?.toFixed(2) ?? '—') + '%')}
-  </div>
-
-  <div class="section">
-    <h2>Signal Summary</h2>
-    <table>
-      <thead><tr><th>Ticker</th><th>Type</th><th>Signal</th><th>Inflated Verdict</th><th>Fundamental Verdict</th></tr></thead>
-      <tbody>${all
-        .sort((a, b) => this._sigOrd(a.signal) - this._sigOrd(b.signal))
-        .map((r) => this._summaryRow(r))
-        .join('')}</tbody>
-    </table>
-  </div>
-
-  ${['STOCK', 'ETF', 'BOND']
-    .map((type) => (results[type]?.length ? this._assetSection(type, results[type], b) : ''))
-    .join('')}
-
-  ${pf ? this._personalFinanceSection(pf) : ''}
-
-  ${
-    results.ERROR?.length
-      ? `
-  <div class="section">
-    <h2>Errors</h2>
-    <table>
-      <thead><tr><th>Ticker</th><th>Reason</th></tr></thead>
-      <tbody>${results.ERROR.map((e) => `<tr><td class="ticker">${e.ticker}</td><td class="verdict-red">${e.message}</td></tr>`).join('')}</tbody>
-    </table>
-  </div>`
-      : ''
-  }
-
-</div>
-
-<script>
-  document.querySelectorAll('.tabs').forEach((tabs) => {
-    tabs.querySelectorAll('.tab').forEach((tab) => {
-      tab.addEventListener('click', () => {
-        const section = tabs.closest('.section');
-        tabs.querySelectorAll('.tab').forEach((t) => t.classList.remove('active'));
-        section.querySelectorAll('.tab-content').forEach((c) => c.classList.remove('active'));
-        tab.classList.add('active');
-        section.querySelector('#' + tab.dataset.target).classList.add('active');
-      });
-    });
-  });
-</script>
-</body>
-</html>`;
-  }
-
-  // ── Section builders ────────────────────────────────────────────────────────
-
-  _assetSection(type, items, benchmarks) {
-    const sorted = [...items].sort((a, b) => this._sigOrd(a.signal) - this._sigOrd(b.signal));
-    const inflatedId = `${type}-inflated`;
-    const fundamentalId = `${type}-fundamental`;
-
-    const inflatedLabel =
-      type === 'STOCK'
-        ? `Market-Adjusted (P/E gate: ~${benchmarks.marketPE != null ? Math.round(benchmarks.marketPE * 1.5) : '—'}x from live data)`
-        : 'Market-Adjusted';
-
-    return `
-  <div class="section">
-    <h2>${type}S</h2>
-    <div class="tabs">
-      <div class="tab active" data-target="${inflatedId}">${inflatedLabel}</div>
-      <div class="tab" data-target="${fundamentalId}">Fundamental (Graham-style)</div>
-    </div>
-    <div id="${inflatedId}" class="tab-content active">
-      ${this._table(type, sorted, 'inflated')}
-    </div>
-    <div id="${fundamentalId}" class="tab-content">
-      ${this._table(type, sorted, 'fundamental')}
-    </div>
-  </div>`;
-  }
-
-  _table(type, items, mode) {
-    const headers = this._headers(type, items, mode);
-    const rows = items.map((r) => this._row(type, r, mode, headers)).join('');
-    return `<table>
-      <thead><tr>${headers.map((h) => `<th>${h}</th>`).join('')}</tr></thead>
-      <tbody>${rows}</tbody>
-    </table>`;
-  }
-
-  // Collect only headers that have at least one non-null value across all items
-  _headers(type, items, _mode) {
-    const base = ['Ticker', 'Price', 'Verdict', 'Score'];
-    if (type === 'STOCK') {
-      const metricKeys = [
-        'Sector',
-        'P/E',
-        'PEG',
-        'P/B',
-        'ROE%',
-        'OpMgn%',
-        'NetMgn%',
-        'Rev%',
-        'FCF Yld%',
-        'Div%',
-        'D/E',
-        'Quick',
-        'Beta',
-        '52W Pos',
-        'P/FFO',
-      ];
-      const present = metricKeys.filter((k) =>
-        items.some((r) => r.asset.getDisplayMetrics()[k] != null),
-      );
-      return [...base, ...present, 'Risk Flags'];
-    }
-    if (type === 'ETF') return [...base, 'Expense', 'Yield', 'AUM', '5Y Ret'];
-    if (type === 'BOND') return [...base, 'YTM', 'Duration', 'Rating'];
-    return base;
-  }
-
-  _row(type, result, mode, headers) {
-    const m = result.asset.getDisplayMetrics();
-    const bd = result[mode]?.audit?.breakdown ?? {};
-    const rf = result[mode]?.audit?.riskFlags ?? [];
-    const v = result[mode]?.label ?? '';
-    const s = result[mode]?.scoreSummary ?? '';
-    const p = (key) =>
-      bd[key] != null
-        ? `<span class="${bd[key] > 0 ? 'pass' : 'fail'}">${bd[key] > 0 ? '✅' : '❌'}</span>`
-        : '';
-
-    const cells = {
-      Ticker: `<td class="ticker">${m.Ticker}</td>`,
-      Price: `<td class="price">${m.Price}</td>`,
-      Verdict: `<td class="${this._verdictClass(v)}">${v}</td>`,
-      Score: `<td class="score">${s}</td>`,
-      Sector: `<td><span class="sector">${m.Sector ?? ''}</span></td>`,
-      'P/E': `<td>${m['P/E'] ?? '<span class="no-data">—</span>'}</td>`,
-      PEG: `<td>${m.PEG != null ? m.PEG + ' ' + p('peg') : '<span class="no-data">—</span>'}</td>`,
-      'P/B': `<td>${m['P/B'] ?? '<span class="no-data">—</span>'}</td>`,
-      'ROE%': `<td>${m['ROE%'] != null ? m['ROE%'] + ' ' + p('roe') : '<span class="no-data">—</span>'}</td>`,
-      'OpMgn%': `<td>${m['OpMgn%'] != null ? m['OpMgn%'] + ' ' + p('opMargin') : '<span class="no-data">—</span>'}</td>`,
-      'NetMgn%': `<td>${m['NetMgn%'] != null ? m['NetMgn%'] + ' ' + p('margin') : '<span class="no-data">—</span>'}</td>`,
-      'Rev%': `<td>${m['Rev%'] != null ? m['Rev%'] + ' ' + p('revenue') : '<span class="no-data">—</span>'}</td>`,
-      'FCF Yld%': `<td>${m['FCF Yld%'] != null ? m['FCF Yld%'] + ' ' + p('fcf') : '<span class="no-data">—</span>'}</td>`,
-      'Div%': `<td>${m['Div%'] != null ? m['Div%'] + ' ' + p('yield') : '<span class="no-data">—</span>'}</td>`,
-      'D/E': `<td>${m['D/E'] ?? '<span class="no-data">—</span>'}</td>`,
-      Quick: `<td>${m.Quick ?? '<span class="no-data">—</span>'}</td>`,
-      Beta: `<td>${m.Beta ?? '<span class="no-data">—</span>'}</td>`,
-      '52W Pos': `<td>${m['52W Pos'] ?? '<span class="no-data">—</span>'}</td>`,
-      'P/FFO': `<td>${m['P/FFO'] != null ? m['P/FFO'] + ' ' + p('pFFO') : '<span class="no-data">—</span>'}</td>`,
-      'Risk Flags': `<td class="risk-flags">${rf.map((f) => `<span class="flag">⚠ ${f}</span>`).join('') || '<span class="no-data">—</span>'}</td>`,
-      // ETF
-      Expense: `<td>${m['Exp Ratio%'] != null ? m['Exp Ratio%'] + ' ' + p('cost') : '<span class="no-data">—</span>'}</td>`,
-      Yield: `<td>${m['Yield%'] != null ? m['Yield%'] + ' ' + p('yield') : '<span class="no-data">—</span>'}</td>`,
-      AUM: `<td>${m.AUM ?? '<span class="no-data">—</span>'}</td>`,
-      '5Y Ret': `<td>${m['5Y Return%'] ?? '<span class="no-data">—</span>'}</td>`,
-      // BOND
-      YTM: `<td>${m['YTM%'] != null ? m['YTM%'] + ' ' + p('spread') : '<span class="no-data">—</span>'}</td>`,
-      Duration: `<td>${m.Duration != null ? m.Duration + ' ' + p('duration') : '<span class="no-data">—</span>'}</td>`,
-      Rating: `<td>${m.Rating ?? '<span class="no-data">—</span>'}</td>`,
-    };
-
-    return `<tr>${headers.map((h) => cells[h] ?? `<td>—</td>`).join('')}</tr>`;
-  }
-
-  _summaryRow(r) {
-    return `<tr>
-      <td class="ticker">${r.asset.ticker}</td>
-      <td><span class="sector">${r.asset.type}</span></td>
-      <td class="${this._signalClass(r.signal)}">${r.signal}</td>
-      <td class="${this._verdictClass(r.inflated.label)}">${r.inflated.label}</td>
-      <td class="${this._verdictClass(r.fundamental.label)}">${r.fundamental.label}</td>
-    </tr>`;
-  }
-
-  // ── Helpers ─────────────────────────────────────────────────────────────────
-
-  _ctxCard(label, value) {
-    return `<div class="ctx-card"><div class="ctx-label">${label}</div><div class="ctx-value">${value}</div></div>`;
-  }
-
-  _verdictClass(label) {
-    if (label?.startsWith('🟢')) return 'verdict-green';
-    if (label?.startsWith('🟡')) return 'verdict-yellow';
-    return 'verdict-red';
-  }
-
-  _signalClass(signal) {
-    if (signal?.includes('Strong')) return 'signal-strong';
-    if (signal?.includes('Momentum')) return 'signal-momentum';
-    if (signal?.includes('Neutral')) return 'signal-neutral';
-    if (signal?.includes('Speculation')) return 'signal-spec';
-    return 'signal-avoid';
-  }
-
-  _personalFinanceSection(pf) {
-    const fmt = (n) =>
-      new Intl.NumberFormat('en-US', {
-        style: 'currency',
-        currency: 'USD',
-        maximumFractionDigits: 0,
-      }).format(n);
-    const sign = (n) =>
-      n >= 0
-        ? `<span class="verdict-green">${fmt(n)}</span>`
-        : `<span class="verdict-red">${fmt(n)}</span>`;
-
-    const accountRows = pf.accounts
-      .map(
-        (a) => `
-      <tr>
-        <td class="ticker">${a.name}</td>
-        <td><span class="sector">${a.type}</span></td>
-        <td class="price">${a.org}</td>
-        <td style="text-align:right">${sign(a.balance)}</td>
-        <td class="price" style="text-align:right">${a.balanceDate}</td>
-      </tr>`,
-      )
-      .join('');
-
-    const categoryRows = pf.categoryBreakdown
-      .slice(0, 8)
-      .map(
-        (c) => `
-      <tr>
-        <td>${c.category}</td>
-        <td style="text-align:right">${fmt(c.amount)}</td>
-        <td style="text-align:right; color:#94a3b8">${c.pct}%</td>
-        <td>
-          <div style="background:#1e293b;border-radius:4px;height:8px;width:100%;max-width:120px">
-            <div style="background:#3b82f6;border-radius:4px;height:8px;width:${c.pct}%"></div>
-          </div>
-        </td>
-      </tr>`,
-      )
-      .join('');
-
-    return `
-  <div class="section">
-    <h2>Personal Finance — SimpleFIN</h2>
-
-    <div class="ctx-grid" style="margin-bottom:24px">
-      ${this._ctxCard('Net Worth', fmt(pf.netWorth))}
-      ${this._ctxCard('Total Assets', fmt(pf.totalAssets))}
-      ${this._ctxCard('Liabilities', fmt(pf.totalLiabilities))}
-      ${this._ctxCard('Cash', `${fmt(pf.totalCash)} (${pf.cashPct}%)`)}
-      ${this._ctxCard('Investments', `${fmt(pf.totalInvestments)} (${pf.investPct}%)`)}
-      ${this._ctxCard('Monthly Income', fmt(pf.totalIncome))}
-      ${this._ctxCard('Monthly Spend', fmt(pf.totalSpend))}
-      ${pf.savingsRate != null ? this._ctxCard('Savings Rate', `${pf.savingsRate}%`) : ''}
-    </div>
-
-    <div style="display:grid;grid-template-columns:1fr 1fr;gap:24px">
-      <div>
-        <h2 style="margin-bottom:12px">Accounts</h2>
-        <table>
-          <thead><tr><th>Account</th><th>Type</th><th>Institution</th><th style="text-align:right">Balance</th><th style="text-align:right">Updated</th></tr></thead>
-          <tbody>${accountRows}</tbody>
-        </table>
-      </div>
-      <div>
-        <h2 style="margin-bottom:12px">Spending by Category (Last 30 Days)</h2>
-        <table>
-          <thead><tr><th>Category</th><th style="text-align:right">Amount</th><th style="text-align:right">%</th><th>Share</th></tr></thead>
-          <tbody>${categoryRows}</tbody>
-        </table>
-      </div>
-    </div>
-  </div>`;
-  }
-
-  _sigOrd(signal) {
-    return (
-      {
-        '✅ Strong Buy': 0,
-        '⚡ Momentum': 1,
-        '🔄 Neutral': 2,
-        '⚠️  Speculation': 3,
-        '❌ Avoid': 4,
-      }[signal] ?? 5
-    );
-  }
-}

server/services/BenchmarkProvider.ts

@@ -25,12 +25,13 @@ export class BenchmarkProvider {
   private static pe(summary: any): number | null {
     return summary?.summaryDetail?.trailingPE ?? summary?.defaultKeyStatistics?.forwardPE ?? null;
   }
-  private client: YahooFinanceClient;
   private cache: { data: MarketContext | null; expiresAt: number };
   private logger: Logger;
 
-  constructor({ logger }: BenchmarkProviderOptions = {}) {
+  constructor(
-    this.client = new YahooFinanceClient();
+    private readonly client: YahooFinanceClient,
+    { logger }: BenchmarkProviderOptions = {},
+  ) {
     this.cache = { data: null, expiresAt: 0 };
     this.logger = logger ?? (console as unknown as Logger);
   }

server/services/PortfolioAdvisor.ts

@@ -11,11 +11,7 @@ import type {
 } from '../types';
 
 export class PortfolioAdvisor {
-  private client: YahooFinanceClient;
+  constructor(private readonly client: YahooFinanceClient) {}
-
-  constructor() {
-    this.client = new YahooFinanceClient();
-  }
 
   async advise(
     holdings: PortfolioHolding[],

server/services/ScreenerEngine.ts

@@ -29,15 +29,13 @@ export class ScreenerEngine {
   private static readonly BATCH_SIZE = 5;
   private static readonly BATCH_DELAY_MS = 1000;
 
-  private client: YahooFinanceClient;
-  private benchmarkProvider: BenchmarkProvider;
   private logger: Logger;
 
-  constructor({ logger }: ScreenerEngineOptions = {}) {
+  constructor(
-    this.client = new YahooFinanceClient();
+    private readonly client: YahooFinanceClient,
-    this.benchmarkProvider = new BenchmarkProvider({
+    private readonly benchmarkProvider: BenchmarkProvider,
-      logger: logger ?? (console as unknown as Logger),
+    { logger }: ScreenerEngineOptions = {},
-    });
+  ) {
     this.logger = logger ?? {
       write: (msg: string) => process.stdout.write(msg),
       log: (...args: unknown[]) => console.log(...args),

tests/PortfolioAdvisor.test.ts

@@ -3,9 +3,14 @@ import assert from 'node:assert/strict';
 import { PortfolioAdvisor } from '../server/services/PortfolioAdvisor';
 import { SIGNAL } from '../server/config/constants';
 import type { PortfolioHolding } from '../server/types';
+import type { YahooFinanceClient } from '../server/clients/YahooFinanceClient';
+
+// _cryptoPrices is the only method that uses the client; all other private
+// methods under test are pure calculations that never touch it.
+const stubClient = {} as unknown as YahooFinanceClient;
 
 // Cast to any to access private methods — tests exercise internal behaviour directly.
-const advisor = new PortfolioAdvisor() as any;
+const advisor = new PortfolioAdvisor(stubClient) as any;
 
 // Minimal holding shape used by _position and _advice (only costBasis/shares matter).
 const holding = (costBasis: number, shares: number): PortfolioHolding => ({