Quiet Finance 3.0.1

[3.0.1] - 2026-06-08

Added

• Inflation-adjusted (real) net worth — a "Real %" toggle on Trends restates the whole trajectory into today's purchasing power using an assumed annual inflation rate, so growth can be read in constant dollars. Forecast, CAGR, and range-change KPIs follow the toggle. Rate is configurable in Settings → Inflation rate (default 3%/yr; set to 0 to hide the toggle).
• VoiceOver support for KPI cards and the Trends chart — KPI cards now expose a combined accessibility label/value, and the otherwise-silent Trends chart announces a spoken summary (current value, range change, snapshot count, real/nominal basis).

Changed

• Graceful launch on a damaged data file — if the on-disk store can't be opened (corruption or schema mismatch), the app no longer hard-crashes on every launch. It falls back to a temporary in-memory "safe mode", leaves the on-disk file untouched for recovery, and shows a banner pointing to Settings → restore. Backup/reminder writes are skipped in safe mode so good backups aren't overwritten with a bad store.

Fixed

• Theme bugs: currency toggle flipped to dark, and "System" needed two clicks — the app pinned only the window chrome's appearance imperatively and never set a SwiftUI color scheme, so dynamic color tokens re-resolved against the OS appearance on any re-render (e.g. switching display currency turned content dark while the control still read "Light"). Theme is now driven solely by preferredColorScheme, and the imperative window.appearance path was removed. The "System" option resolves to the live OS scheme as a concrete .light/.dark value (via a new SystemAppearanceObserver) instead of nil — passing nil did not re-resolve the dynamic colors in the same render pass, which is why selecting System used to take a second click to take effect; it now lands on the first click and still tracks System Settings changes.
• Unreadable "draft" badge in Classic + dark mode — the emphasized pill used near-white text on a near-white fill (its background token inverts to near-white in dark). The label now uses the background token as its foreground, so it reads in both light and dark.
• Low-contrast labels in Classic + dark mode — allocation bar-segment labels now pick black or white ink from each segment's actual rendered luminance (was hardcoded black, invisible on dark segments); debt-bar diagonal stripes, empty-state illustration icons, and the Reports heatmap empty-cell dash were also lightened for legibility on dark backgrounds.
• False anomaly flags on the Dashboard — the outlier detector now requires a meaningful residual standard deviation (epsilon guard), so floating-point noise across near-identical snapshot deltas can no longer be amplified into a spurious ≥2σ alert.

Removed

• Dead Xcode template files — Item.swift and ContentView.swift (unused since the app was scaffolded) were deleted.

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