Personal Finance

- Operate on exported bank or credit-card CSVs in a read-only manner by default; no automatic uploads, API calls, or write-backs occur unless an explicit `--output` path is provided. - Mask account numbers in all CLI outputs by replacing digits except the final four to keep PII safe for every command. - Work offline; all logic lives inside `personal-finance.sh`, `config/category-rules.json`, and the included sample CSV.