0.6.0

New

• Yearly & quarterly reviews — Insert yearly review / Insert quarterly review compute the period's totals, best/worst month by spend, top spending categories, and a transfers summary once and insert the finished markdown at the cursor — a frozen snapshot, not a live recomputing block.
• Recurring bills log on the real date they're paid — Log now and Skip cycle log on the date the action actually happened, not the historical due date, but the schedule stays anchored to its own cadence via a new Next Due registry override (advanced from the due date just fulfilled, not from today) — so a late payment never drifts every future due date out by the same amount. Next Due is also directly hand-editable, as a manual escape hatch.
• "Recurring bills due" sidebar card — stays in the Daily Budget sidebar until each overdue/due bill is actually logged.
• Bill reserve per-cadence breakdown — weekly bills get a per-week figure; monthly (and longer) cadences get both a per-week and a per-month figure, tracked separately, plus a per-quarter combined total.
• Variable bills (utilities and the like) — mark a bill Variable and it projects monthly/yearly totals and the bill reserve off the average of its last six payments instead of just the last one; Log now on a variable bill prompts for the actual amount instead of repeating a fixed number that was never going to be right.
• Bill reserve contributions — a shared envelope you can top up like a savings goal (Contribute to bill reserve command), with a "Saved so far" figure compared against what should already be set aside.

80 tests passing (npm test).