phase-1: optimize code
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# ── SimpleFIN personal finance ───────────────────────────────────────────────
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#
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# FIRST RUN: paste your Setup Token from https://beta-bridge.simplefin.org
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# (Settings → Connect an app → copy the token)
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#
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SIMPLEFIN_SETUP_TOKEN=aHR0cHM6Ly9iZXRhLWJyaWRnZS5zaW1wbGVmaW4ub3Jn...
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#
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# AFTER FIRST RUN: the Access URL is written here automatically.
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# Remove SIMPLEFIN_SETUP_TOKEN once this appears.
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#
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# SIMPLEFIN_ACCESS_URL=https://user:token@beta-bridge.simplefin.org/simplefin
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