diff --git a/README.md b/README.md
index dbd18dd..7e6ffef 100644
--- a/README.md
+++ b/README.md
@@ -73,9 +73,11 @@ The scheduled Lambda reconciles the Previous Day feed onto `payment#` records (p
 
 **Classification.** Transactions are classified via a BAI transaction-code map (`BAI_CODE_EVENTS`; only 475 = check paid debit is empirically confirmed so far — the remaining codes are pending an enumeration replay over known event dates) with a fallback classifier over the statement description formats (ARP refer-to-maker, return-of-posted-check check-numbered and electronic variants, ACH CCD `DES:PAYMENTS ID:PMT` lines). Unmapped codes on check-shaped transactions are logged (`console.error`) and counted in the run summary — never silently dropped.
 
-**Matching.** Check events match on check number AND amount, evaluating all candidates (bank postings can drop/collapse digits on long check numbers). A number match with the wrong amount — or an unknown number — falls back to an exact-amount match within checks issued in the last 120 days; zero or multiple fallback candidates means unmatched, and unmatched transactions are recorded in the run summary with no write. Electronic returns (no check number) match by exact amount among bank-confirmed payments.
+**Matching.** Check events match on check number AND amount, evaluating all candidates (bank postings can drop/collapse digits on long check numbers). A number match with the WRONG amount never auto-resolves — it is the altered-check/collapsed-posting signal and goes to unmatched for human review. An unknown number falls back to an exact-amount match within checks issued in the last 120 days, and only when the posting's digits are a subsequence of the candidate's check number (or vice versa); return credits additionally require a bank-confirmed candidate. Zero or multiple fallback candidates means unmatched, recorded in the run summary with no write. Electronic returns (no check number) match by exact amount among bank-confirmed payments.
 
-**ACH.** ACH is bank-confirmed too (#69): `processPaymentCsv` no longer auto-clears ACH on the send date (rows keep their Stampli status until the bank settles). ACH CCD lines match by the stored `pmt_id` first (reversals reuse the original `PMT <id>`), then by the Stampli payment number embedded at the end of `PMT INFO` (internal spaces stripped, amount must agree), then by vendor + exact amount within `send_payment_on` −2..+14 days. A settled debit clears the record and persists `pmt_id`; a credit reusing the `pmt_id` (or a unique same-amount return credit against a bank-confirmed ACH) marks it Returned.
+**ACH.** ACH is bank-confirmed too (#69): `processPaymentCsv` no longer auto-clears ACH on the send date (rows keep their Stampli status until the bank settles). ACH CCD lines match by the stored `pmt_id` first (reversals reuse the original `PMT <id>`; a `pmt_id` match with the wrong amount is the partial-reversal human case and goes to unmatched), then by the Stampli payment number embedded at the end of `PMT INFO` (internal spaces stripped, amount must agree), then by vendor + exact amount within `send_payment_on` −2..+14 days (candidates whose stored `pmt_id` differs are excluded; vendor prefix matching requires ≥ 10 normalized chars). A settled debit clears the record and persists `pmt_id`. A return credit whose `PMT <id>` attributes to no stored `pmt_id` is an unmatched alert ("unknown PMT id"); credits without a `PMT <id>` may fall back to a unique same-amount match against a bank-confirmed ACH whose `cleared_date` is within the prior 45 days.
+
+**Staleness sweep.** Every run also flags never-bank-confirmed payments: ACH with no `clear_status` sent more than 16 days ago (listed in the summary, capped at 50, plus a total count) and checks issued more than 60 days ago with no `clear_status` (count only). Both alert via `console.error`.
 
 **State transitions.** Every write sets BOTH `status` and `clear_status` (`clear_status` is bank truth; "Cleared without a subsequent return is permanent" keys off it):
 
@@ -88,9 +90,9 @@ The scheduled Lambda reconciles the Previous Day feed onto `payment#` records (p
 
 Each applied event is appended to a `history` list attribute (`{event, date, bankRef, amount}`); identical replayed events are idempotent noops.
 
-**Replay.** The handler accepts an optional payload `{"fromDate": "YYYY-MM-DD", "toDate": "YYYY-MM-DD"}` (strictly validated; `toDate` defaults to `fromDate`; no payload = yesterday) for weekend/outage gap replays and BAI-code enumeration runs.
+**Replay.** The handler accepts an optional payload `{"fromDate": "YYYY-MM-DD", "toDate": "YYYY-MM-DD"}` (strictly validated; `toDate` defaults to `fromDate`) for weekend/outage gap replays and BAI-code enumeration runs. With no payload it queries the trailing 3-day window (today−3 .. today−1), so the Monday run covers Friday–Sunday; overlapping days are idempotent (event identity `{event, date, amount}`). Feed rows without a valid `valueDate` are never applied with a substituted date — they go to unmatched for review.
 
-**Run summary.** Each run writes a `boa_recon#<runDate>` item (90-day TTL) with counts per classified event type, matched/applied/redeposit/voided-and-bounced totals, the unmatched check numbers and amounts, and any unknown BAI codes encountered. Unmatched and unknown-code transactions also `console.error` (Slack alerting is tracked in #71).
+**Run summary.** Each run writes an append-only `boa_recon#<fromDate>_<toDate>#<runAt>` item (90-day TTL) with counts per classified event type, matched/applied/redeposit/voided-and-bounced/write-conflict totals, the unmatched check numbers and amounts (list capped at 50; full count kept), unknown BAI codes (capped at 20 distinct keys), and the staleness sweep results. Unmatched and unknown-code transactions also `console.error` (Slack alerting is tracked in #71). Payment writes are conditioned on the read snapshot's `status`/`clear_status` and retried once against a fresh read on conflict.
 
 ## Documentation
 
diff --git a/src/boaRecon.js b/src/boaRecon.js
index 9b7df43..72a7f54 100644
--- a/src/boaRecon.js
+++ b/src/boaRecon.js
@@ -67,11 +67,15 @@ const POSTED_RETURN_ELECTRONIC_RE =
   /^RETURN OF POSTED CHECK \/ ITEM \(RECEIVED ON \d{2}-\d{2}\)\s*ELECTRONIC TRANSACTION\b/i;
 const ACH_PMT_RE = /DES:PAYMENTS\s+ID:PMT\s*(\d+)/i;
 const PMT_INFO_RE = /PMT INFO:\s*(.*)$/i;
-const CHECK_PAID_RE = /^CHECK\s*#?\s*(\d+)$/i;
+const CHECK_PAID_RE = /^CHECK\s{0,10}#?\s{0,10}0*(\d{1,12})$/i;
 // Trailing digit run at the end of PMT INFO — Stampli recently started
 // embedding the payment number there, and the bank wraps it with arbitrary
-// internal spaces ("21 222000108", "2122200 0256").
-const EMBEDDED_NUMBER_RE = /(\d[\d ]{6,}\d)\s*$/;
+// internal spaces ("21 222000108", "2122200 0256"). Run length is bounded
+// against pathological input.
+const EMBEDDED_NUMBER_RE = /(\d[\d ]{6,40}\d)\s*$/;
+
+// Bound untrusted text before any regex work (ReDoS hardening).
+const MAX_DESCRIPTION_LEN = 500;
 
 const stripLeadingZeros = (s) => String(s ?? "").replace(/^0+(?=\d)/, "");
 
@@ -84,7 +88,9 @@ export function classifyTransaction(txn) {
   const code = String(txn.transactionCode ?? "").trim();
   const description = String(
     txn.text ?? txn.description ?? txn.transactionDescription ?? ""
-  ).trim();
+  )
+    .slice(0, MAX_DESCRIPTION_LEN)
+    .trim();
   const customerReference = stripLeadingZeros(String(txn.customerReference ?? "").trim());
   const bankReference = String(txn.bankReference ?? "").trim();
   const amount = Math.abs(parseAmount(txn.amount));
@@ -165,16 +171,36 @@ const issuedWithinDays = (payment, refISO, days) => {
   return d !== null && d >= 0 && d <= days;
 };
 
+// True when a's digits appear, in order, inside b (digit-dropped mangling:
+// posting 1222000012 came from issued 11222000012).
+function isDigitSubsequence(a, b) {
+  if (a.length > b.length) return false;
+  let i = 0;
+  for (let j = 0; j < b.length && i < a.length; j++) {
+    if (a[i] === b[j]) i++;
+  }
+  return i === a.length;
+}
+
+export const digitsCorroborate = (a, b) =>
+  Boolean(a && b) && (isDigitSubsequence(a, b) || isDigitSubsequence(b, a));
+
 // Match a check event (paid debit or return credit) against payment records.
 // Match on check number AND amount, evaluating all candidates — never
 // first-match on number alone: bank postings drop/collapse digits on long
 // check numbers, so a posting under one number can belong to another check
-// (or to a number we never issued). When the number matches but the amount
-// does not — or the number is unknown — fall back to an exact-amount match
-// within checks issued in the last 120 days. Anything but a single fallback
-// candidate is unmatched: no write on ambiguity.
+// (or to a number we never issued).
+//
+// A number match with the WRONG amount never falls through to the amount
+// fallback: that pattern is the altered-check / collapsed-posting signal a
+// human must review, so it goes to unmatched. The amount-only fallback
+// (number unknown) is limited to checks issued in the last 120 days AND
+// requires digit-subsequence corroboration between the posting's number and
+// the candidate's; return credits additionally require a bank-confirmed
+// candidate. Anything but a single fallback candidate is unmatched: no
+// write on ambiguity.
 export function matchCheckTransaction(classified, payments, refDateISO) {
-  const { checkNumber, amount } = classified;
+  const { checkNumber, amount, event } = classified;
   const checks = payments.filter((p) => p.method === "Check" && p.check_number);
 
   const numberMatches = checkNumber
@@ -183,19 +209,24 @@ export function matchCheckTransaction(classified, payments, refDateISO) {
   const exact = numberMatches.filter((p) => amountsEqual(p.amount_usd, amount));
   if (exact.length === 1) return { payment: exact[0], matchedBy: "number+amount" };
   if (exact.length > 1) return { unmatched: "multiple number+amount matches" };
+  if (numberMatches.length) {
+    return { unmatched: "number matched, amount mismatch" };
+  }
 
   const fallback = checks.filter(
-    (p) => amountsEqual(p.amount_usd, amount) && issuedWithinDays(p, refDateISO, 120)
+    (p) =>
+      amountsEqual(p.amount_usd, amount) &&
+      issuedWithinDays(p, refDateISO, 120) &&
+      digitsCorroborate(checkNumber, p.check_number) &&
+      (event !== "check_return" ||
+        p.clear_status === "Cleared" ||
+        p.clear_status === "Returned")
   );
   if (fallback.length === 1) return { payment: fallback[0], matchedBy: "amount" };
   if (fallback.length > 1) {
     return { unmatched: `amount fallback ambiguous (${fallback.length} candidates)` };
   }
-  return {
-    unmatched: numberMatches.length
-      ? "number matched with wrong amount; no unique amount fallback"
-      : "no number match; no unique amount fallback",
-  };
+  return { unmatched: "no number match; no corroborated amount fallback" };
 }
 
 // Electronic return credits carry no check number at all. Match by exact
@@ -223,10 +254,15 @@ const normalizeVendor = (s) =>
     .toUpperCase()
     .replace(/[^A-Z0-9]/g, "");
 
+// Prefix matching only counts when the shorter normalized string is at
+// least 10 chars; short names must match exactly ("ACME" must not claim
+// "ACME Plumbing Co").
 export function vendorMatches(payee, vendorText) {
   const a = normalizeVendor(payee);
   const b = normalizeVendor(vendorText);
   if (!a || !b) return false;
+  if (a === b) return true;
+  if (Math.min(a.length, b.length) < 10) return false;
   return a.startsWith(b) || b.startsWith(a);
 }
 
@@ -238,21 +274,41 @@ const withinSendWindow = (payment, postingISO) => {
   return d !== null && d >= -2 && d <= 14;
 };
 
+// Candidate cleared_date must sit within `days` before the credit posting;
+// records without a valid cleared_date are excluded.
+const clearedWithinDaysBefore = (payment, postingISO, days) => {
+  if (!isValidISODate(payment.cleared_date)) return false;
+  const d = Math.round((Date.parse(postingISO) - Date.parse(payment.cleared_date)) / 86400000);
+  return d >= 0 && d <= days;
+};
+
 // Match an ACH CCD debit or return credit (payments-dashboard#69).
-// Order: stored pmt_id (reversals reuse the original PMT id), then the
-// Stampli payment number embedded in PMT INFO (spaces stripped; amount must
-// also agree — a mismatch falls through), then vendor + exact amount within
-// the send window. Return credits additionally fall back to a unique
-// same-amount match among bank-confirmed ACH payments, since reversal
-// credits carry the originator's name, not the vendor's. Ambiguity is
-// always unmatched — no write.
+// Rungs, every one amount-corroborated:
+// 1. stored pmt_id (reversals reuse the original PMT id); a pmt_id match
+//    with the wrong amount is the partial-reversal human case — unmatched.
+// 2. Stampli payment number embedded in PMT INFO (spaces stripped); a
+//    wrong-amount embedded match falls through.
+// 3. vendor + exact amount within the send window (candidates whose stored
+//    pmt_id differs from the transaction's are excluded).
+// 4. return credits only: if the credit's PMT id attributes to no stored
+//    pmt_id, that is an unmatched alert ("unknown PMT id") — never an
+//    amount guess. Credits without a PMT id may fall back to a unique
+//    same-amount match among bank-confirmed ACH payments whose
+//    cleared_date is within 45 days before the credit.
+// Ambiguity is always unmatched — no write.
 export function matchAchTransaction(classified, payments, postingISO) {
   const { event, pmtId, embeddedPaymentNumber, vendorText, amount } = classified;
   const achs = payments.filter((p) => p.method === "ACH");
 
   if (pmtId) {
     const byPmtId = achs.filter((p) => p.pmt_id === pmtId);
-    if (byPmtId.length === 1) return { payment: byPmtId[0], matchedBy: "pmt_id" };
+    if (byPmtId.length === 1) {
+      if (amountsEqual(byPmtId[0].amount_usd, amount)) {
+        return { payment: byPmtId[0], matchedBy: "pmt_id" };
+      }
+      return { unmatched: "pmt_id matched, amount mismatch" };
+    }
+    if (byPmtId.length > 1) return { unmatched: "multiple pmt_id matches" };
   }
 
   if (embeddedPaymentNumber) {
@@ -262,8 +318,11 @@ export function matchAchTransaction(classified, payments, postingISO) {
     if (byNumber.length === 1) return { payment: byNumber[0], matchedBy: "payment-number+amount" };
   }
 
+  const pmtIdConflicts = (p) => Boolean(pmtId && p.pmt_id && p.pmt_id !== pmtId);
+
   const byVendor = achs.filter(
     (p) =>
+      !pmtIdConflicts(p) &&
       amountsEqual(p.amount_usd, amount) &&
       vendorMatches(p.payee, vendorText) &&
       withinSendWindow(p, postingISO)
@@ -274,10 +333,13 @@ export function matchAchTransaction(classified, payments, postingISO) {
   }
 
   if (event === "ach_return") {
+    if (pmtId) return { unmatched: "unknown PMT id" };
     const byAmount = achs.filter(
       (p) =>
+        !pmtIdConflicts(p) &&
         (p.clear_status === "Cleared" || p.clear_status === "Returned") &&
-        amountsEqual(p.amount_usd, amount)
+        amountsEqual(p.amount_usd, amount) &&
+        clearedWithinDaysBefore(p, postingISO, 45)
     );
     if (byAmount.length === 1) return { payment: byAmount[0], matchedBy: "amount+cleared" };
     if (byAmount.length > 1) {
@@ -291,6 +353,8 @@ export function matchAchTransaction(classified, payments, postingISO) {
 const CANCEL_STATUSES = ["voided", "cancelled", "canceled", "marked as void"];
 export const isCancelStatus = (s) => CANCEL_STATUSES.includes(String(s ?? "").toLowerCase());
 
+const RETURN_EVENTS = new Set(["check_return", "electronic_return", "ach_return"]);
+
 // Decide the DDB write for a matched bank event. Pure: returns the fields
 // to set plus the history entry; the handler turns it into an UpdateCommand
 // and mirrors the fields onto its in-memory copy.
@@ -317,18 +381,30 @@ export function applyEvent(payment, classified, eventDateISO) {
     amount,
   };
 
-  // Replay idempotence: an identical event already recorded in history is a
-  // noop, so re-running a date range never double-applies transitions.
+  // Replay idempotence: event identity is {event, date, amount} — bankRef
+  // is deliberately excluded because feeds omit/reformat it between runs.
+  // Assumption: the bank never posts two DISTINCT same-type events for the
+  // same payment on the same date with the same amount; an identical
+  // identity already in history is therefore the same event, and a noop.
   const alreadyApplied = (payment.history || []).some(
     (h) =>
       h.event === historyEvent.event &&
       h.date === historyEvent.date &&
-      h.bankRef === historyEvent.bankRef &&
       amountsEqual(h.amount, amount)
   );
   if (alreadyApplied) return { kind: "noop", updates: null, historyEvent: null };
 
   if (event === "check_paid" || event === "ach_debit") {
+    // A paid event dated on/before the latest known return is a replayed
+    // original paid debit, not a redeposit — never re-clear from it.
+    const latestReturnDate = (payment.history || [])
+      .filter((h) => RETURN_EVENTS.has(h.event) && typeof h.date === "string")
+      .map((h) => h.date)
+      .sort()
+      .pop();
+    if (latestReturnDate && eventDateISO <= latestReturnDate) {
+      return { kind: "noop", updates: null, historyEvent: null };
+    }
     const redeposit = payment.clear_status === "Returned";
     const updates = {
       status: canceled ? payment.status : "Cleared",
@@ -376,24 +452,99 @@ export function isValidISODate(s) {
   );
 }
 
-// Optional {fromDate, toDate} replay payload; the default stays yesterday,
-// matching the previous-day inquiry cadence. Strings are validated strictly
-// so a malformed payload fails loudly instead of querying a garbage range.
+// Optional {fromDate, toDate} replay payload. The default is a trailing
+// 3-day window (today-3 .. today-1): the previous-day feed only runs on
+// weekdays, so the Monday run must cover Friday through Sunday. Overlapping
+// days are safe — event identity makes replays idempotent. Strings are
+// validated strictly so a malformed payload fails loudly instead of
+// querying a garbage range.
 export function resolveDateRange(event, now = new Date()) {
   const hasFrom = event?.fromDate != null;
   const hasTo = event?.toDate != null;
   if (!hasFrom && !hasTo) {
-    const yesterday = new Date(now.getTime() - 24 * 60 * 60 * 1000);
-    const d = yesterday.toISOString().split("T")[0];
-    return { fromDate: d, toDate: d };
+    const day = 24 * 60 * 60 * 1000;
+    return {
+      fromDate: new Date(now.getTime() - 3 * day).toISOString().split("T")[0],
+      toDate: new Date(now.getTime() - day).toISOString().split("T")[0],
+    };
   }
   const fromDate = hasFrom ? event.fromDate : event.toDate;
   const toDate = hasTo ? event.toDate : event.fromDate;
   if (!isValidISODate(fromDate) || !isValidISODate(toDate)) {
-    throw new Error("fromDate/toDate must be valid YYYY-MM-DD strings");
+    throw new Error(
+      `fromDate/toDate must be valid YYYY-MM-DD strings: ` +
+        `fromDate=${logSafe(fromDate)}, toDate=${logSafe(toDate)}`
+    );
   }
   if (fromDate > toDate) {
-    throw new Error("fromDate must be <= toDate");
+    throw new Error(
+      `fromDate must be <= toDate: fromDate=${logSafe(fromDate)}, toDate=${logSafe(toDate)}`
+    );
   }
   return { fromDate, toDate };
 }
+
+// Staleness sweep (#66 review F6): flag records the bank has never
+// confirmed. ACH with no clear_status and a send date older than 16 days
+// (settlement lags at most ~8 business days) and checks older than 60 days
+// are surfaced in the run summary; cancel-status records are exempt.
+export const STALE_LIST_CAP = 50;
+export function sweepStalePayments(payments, todayISO) {
+  const staleAch = [];
+  let staleAchCount = 0;
+  let staleChecksCount = 0;
+  for (const p of payments) {
+    if (p.clear_status || isCancelStatus(p.status)) continue;
+    const age = daysSinceIssue(p, todayISO);
+    if (age === null) continue;
+    if (p.method === "ACH" && age > 16) {
+      staleAchCount++;
+      if (staleAch.length < STALE_LIST_CAP) {
+        staleAch.push({
+          check_number: p.check_number,
+          amount: p.amount_usd,
+          send_payment_on: p.send_payment_on,
+        });
+      }
+    } else if (p.method === "Check" && age > 60) {
+      staleChecksCount++;
+    }
+  }
+  return { staleAch, staleAchCount, staleChecksCount };
+}
+
+// Conditioned write for an applied event (#66 review F7): the update only
+// lands if the snapshot's status/clear_status are still current, so a
+// concurrent CSV upsert can't be silently interleaved. The handler retries
+// once against a fresh read on ConditionalCheckFailedException.
+export function buildEventUpdate(tableName, payment, applied) {
+  const sets = ["#history = list_append(if_not_exists(#history, :empty), :hist)"];
+  const names = { "#history": "history" };
+  const values = { ":empty": [], ":hist": [applied.historyEvent] };
+  Object.entries(applied.updates).forEach(([field, value], i) => {
+    names[`#f${i}`] = field;
+    values[`:v${i}`] = value;
+    sets.push(`#f${i} = :v${i}`);
+  });
+  const conditions = [];
+  [
+    ["status", payment.status],
+    ["clear_status", payment.clear_status],
+  ].forEach(([field, snapshot], i) => {
+    names[`#c${i}`] = field;
+    if (snapshot == null) {
+      conditions.push(`attribute_not_exists(#c${i})`);
+    } else {
+      values[`:c${i}`] = snapshot;
+      conditions.push(`#c${i} = :c${i}`);
+    }
+  });
+  return {
+    TableName: tableName,
+    Key: { pk: payment.pk },
+    UpdateExpression: `SET ${sets.join(", ")}`,
+    ConditionExpression: conditions.join(" AND "),
+    ExpressionAttributeNames: names,
+    ExpressionAttributeValues: values,
+  };
+}
diff --git a/src/fetchBoaTransactions.js b/src/fetchBoaTransactions.js
index 953c62a..45d2eec 100644
--- a/src/fetchBoaTransactions.js
+++ b/src/fetchBoaTransactions.js
@@ -1,8 +1,9 @@
 import { DynamoDBClient } from "@aws-sdk/client-dynamodb";
-import { DynamoDBDocumentClient, PutCommand, ScanCommand, UpdateCommand } from "@aws-sdk/lib-dynamodb";
+import { DynamoDBDocumentClient, GetCommand, PutCommand, ScanCommand, UpdateCommand } from "@aws-sdk/lib-dynamodb";
 import { SecretsManagerClient, GetSecretValueCommand } from "@aws-sdk/client-secrets-manager";
 import {
   applyEvent,
+  buildEventUpdate,
   classifyTransaction,
   isValidISODate,
   logSafe,
@@ -10,6 +11,7 @@ import {
   matchCheckTransaction,
   matchElectronicReturn,
   resolveDateRange,
+  sweepStalePayments,
 } from "./boaRecon.js";
 
 const ddb = DynamoDBDocumentClient.from(new DynamoDBClient());
@@ -17,6 +19,9 @@ const secrets = new SecretsManagerClient();
 const TABLE_NAME = process.env.TABLE_NAME;
 const BOA_BASE_URL = process.env.BOA_BASE_URL;
 
+const UNMATCHED_LIST_CAP = 50;
+const UNKNOWN_CODES_CAP = 20;
+
 let cachedCreds;
 async function getReportingCreds() {
   if (cachedCreds) return cachedCreds;
@@ -27,6 +32,16 @@ async function getReportingCreds() {
   return cachedCreds;
 }
 
+// Parse a BoA response body without ever surfacing a body snippet — a
+// malformed 200 must not leak account data into logs/errors.
+async function parseJsonResponse(res, label) {
+  try {
+    return await res.json();
+  } catch {
+    throw new Error(`BoA ${label} response not JSON: HTTP ${res.status}`);
+  }
+}
+
 async function getAccessToken(applicationID, clientId, clientSecret) {
   const res = await fetch(`${BOA_BASE_URL}/authn/v1/client-authentication`, {
     method: "POST",
@@ -41,12 +56,15 @@ async function getAccessToken(applicationID, clientId, clientSecret) {
     throw new Error(`OAuth token exchange failed: HTTP ${res.status}`);
   }
 
-  const data = await res.json();
+  const data = await parseJsonResponse(res, "authn");
   return data.access_token;
 }
 
+const directionRank = (d) => (d === "debit" ? 0 : d === "credit" ? 1 : 2);
+
 export const handler = async (event) => {
-  // Optional replay payload {fromDate, toDate}; default is yesterday.
+  // Optional replay payload {fromDate, toDate}; default is the trailing
+  // 3-day window so the Monday run covers Friday through Sunday.
   const { fromDate, toDate } = resolveDateRange(event ?? {});
 
   const { appId, clientId, token: clientSecret, accountNumber, bankId } = await getReportingCreds();
@@ -71,7 +89,7 @@ export const handler = async (event) => {
     throw new Error(`BoA API error: HTTP ${res.status}`);
   }
 
-  const data = await res.json();
+  const data = await parseJsonResponse(res, "reporting");
 
   // Response shape: { accountTransactions: [{ accountNumber, bankId, currency, transactions: [...] }] }
   const allTransactions = (data.accountTransactions || []).flatMap(
@@ -79,9 +97,16 @@ export const handler = async (event) => {
   );
 
   // Process in posting-date order so multi-day replays apply paid -> return
-  // -> redeposit sequences in the order the bank did.
-  allTransactions.sort((a, b) =>
-    String(a.valueDate ?? "").localeCompare(String(b.valueDate ?? ""))
+  // -> redeposit sequences in the order the bank did; within a day, debits
+  // before credits (deterministic, and a same-day return follows its debit).
+  const classifiedTxns = allTransactions.map((txn) => ({
+    txn,
+    classified: classifyTransaction(txn),
+  }));
+  classifiedTxns.sort(
+    (a, b) =>
+      String(a.txn.valueDate ?? "").localeCompare(String(b.txn.valueDate ?? "")) ||
+      directionRank(a.classified.direction) - directionRank(b.classified.direction)
   );
 
   // Load all payment records (Check AND ACH — ACH is bank-confirmed here
@@ -109,19 +134,44 @@ export const handler = async (event) => {
     already_applied: 0,
     redeposits: 0,
     voided_and_bounced: 0,
+    write_conflicts: 0,
+    unmatched_count: 0,
     unmatched: [],
+    unknown_count: 0,
     unknown_codes: {},
   };
 
-  for (const txn of allTransactions) {
-    const classified = classifyTransaction(txn);
+  const recordUnmatched = (classified, reason) => {
+    summary.unmatched_count++;
+    if (summary.unmatched.length < UNMATCHED_LIST_CAP) {
+      summary.unmatched.push({
+        event: classified.event,
+        check_number: classified.checkNumber || classified.embeddedPaymentNumber,
+        amount: classified.amount,
+        reason,
+      });
+    }
+    console.error(
+      `Unmatched ${classified.event}: check=${logSafe(classified.checkNumber || classified.embeddedPaymentNumber)}, ` +
+        `amount=${classified.amount}, reason=${reason} ` +
+        `(bankRef: ${logSafe(classified.bankReference)})`
+    );
+  };
+
+  for (const { txn, classified } of classifiedTxns) {
     summary.classified[classified.event] = (summary.classified[classified.event] || 0) + 1;
 
     if (classified.event === "ignored") continue;
 
     if (classified.event === "unknown") {
-      summary.unknown_codes[classified.code || "?"] =
-        (summary.unknown_codes[classified.code || "?"] || 0) + 1;
+      summary.unknown_count++;
+      const codeKey = (classified.code || "?").slice(0, 16);
+      if (
+        codeKey in summary.unknown_codes ||
+        Object.keys(summary.unknown_codes).length < UNKNOWN_CODES_CAP
+      ) {
+        summary.unknown_codes[codeKey] = (summary.unknown_codes[codeKey] || 0) + 1;
+      }
       console.error(
         `Unknown check-shaped transaction: code=${logSafe(classified.code)}, ` +
           `description=${logSafe(classified.description)}, ` +
@@ -130,7 +180,13 @@ export const handler = async (event) => {
       continue;
     }
 
-    const eventDate = isValidISODate(txn.valueDate) ? txn.valueDate : toDate;
+    // Never substitute a date: event identity and transition ordering both
+    // key on the posting date, so a feed row without one is a human case.
+    if (!isValidISODate(txn.valueDate)) {
+      recordUnmatched(classified, "missing valueDate");
+      continue;
+    }
+    const eventDate = txn.valueDate;
 
     let match;
     if (classified.event === "ach_debit" || classified.event === "ach_return") {
@@ -142,68 +198,106 @@ export const handler = async (event) => {
     }
 
     if (!match.payment) {
-      summary.unmatched.push({
-        event: classified.event,
-        check_number: classified.checkNumber || classified.embeddedPaymentNumber,
-        amount: classified.amount,
-        reason: match.unmatched,
-      });
-      console.error(
-        `Unmatched ${classified.event}: check=${logSafe(classified.checkNumber || classified.embeddedPaymentNumber)}, ` +
-          `amount=${classified.amount}, reason=${match.unmatched} ` +
-          `(bankRef: ${logSafe(classified.bankReference)})`
-      );
+      recordUnmatched(classified, match.unmatched);
       continue;
     }
 
+    if (match.matchedBy === "vendor+amount") {
+      // Audit trail for the loosest ACH rung.
+      console.log(
+        `ACH vendor+amount match: payee=${logSafe(match.payment.payee)}, ` +
+          `bankVendor=${logSafe(classified.vendorText)}, pmt=${logSafe(classified.pmtId)}`
+      );
+    }
+
     summary.matched++;
-    const applied = applyEvent(match.payment, classified, eventDate);
+    const target = match.payment;
+    let applied = applyEvent(target, classified, eventDate);
     if (applied.kind === "noop") {
       summary.already_applied++;
       continue;
     }
+
+    // Conditioned write: assert the snapshot's status/clear_status are
+    // still current; on conflict, re-read, re-derive, retry once.
+    let outcome = "conflict";
+    for (let attempt = 0; attempt < 2; attempt++) {
+      try {
+        await ddb.send(new UpdateCommand(buildEventUpdate(TABLE_NAME, target, applied)));
+        outcome = "written";
+        break;
+      } catch (err) {
+        if (err.name !== "ConditionalCheckFailedException") throw err;
+        if (attempt === 1) break;
+        const { Item: fresh } = await ddb.send(
+          new GetCommand({ TableName: TABLE_NAME, Key: { pk: target.pk } })
+        );
+        if (!fresh) break;
+        // Refresh the in-memory record in place (it is shared with the
+        // payments array) and re-derive the transition.
+        for (const k of Object.keys(target)) delete target[k];
+        Object.assign(target, fresh);
+        applied = applyEvent(target, classified, eventDate);
+        if (applied.kind === "noop") {
+          outcome = "noop";
+          break;
+        }
+      }
+    }
+
+    if (outcome === "noop") {
+      summary.already_applied++;
+      continue;
+    }
+    if (outcome !== "written") {
+      summary.write_conflicts++;
+      console.error(
+        `Write conflict (gave up after retry): pk=${logSafe(target.pk)}, event=${classified.event}`
+      );
+      continue;
+    }
+
+    summary.applied++;
     if (applied.kind === "redeposit") summary.redeposits++;
     if (applied.kind === "voided_and_bounced") summary.voided_and_bounced++;
 
-    const sets = ["#history = list_append(if_not_exists(#history, :empty), :hist)"];
-    const names = { "#history": "history" };
-    const values = { ":empty": [], ":hist": [applied.historyEvent] };
-    Object.entries(applied.updates).forEach(([field, value], i) => {
-      names[`#f${i}`] = field;
-      values[`:v${i}`] = value;
-      sets.push(`#f${i} = :v${i}`);
-    });
-
-    await ddb.send(
-      new UpdateCommand({
-        TableName: TABLE_NAME,
-        Key: { pk: match.payment.pk },
-        UpdateExpression: `SET ${sets.join(", ")}`,
-        ExpressionAttributeNames: names,
-        ExpressionAttributeValues: values,
-      })
-    );
-    summary.applied++;
-
     // Mirror the write onto the in-memory copy so later transactions in the
     // same run (return after paid, redeposit after return) see current state.
-    Object.assign(match.payment, applied.updates);
-    match.payment.history = [...(match.payment.history || []), applied.historyEvent];
+    Object.assign(target, applied.updates);
+    target.history = [...(target.history || []), applied.historyEvent];
 
     console.log(
-      `${applied.kind}: check ${logSafe(match.payment.check_number)} via ${match.matchedBy} ` +
+      `${applied.kind}: check ${logSafe(target.check_number)} via ${match.matchedBy} ` +
         `(bankRef: ${logSafe(classified.bankReference)})`
     );
   }
 
-  // Run summary record for auditing/alerting (Slack wiring is #71).
-  const runDate = fromDate === toDate ? fromDate : `${fromDate}_${toDate}`;
+  // Staleness sweep: payments the bank has never confirmed (#69).
+  const todayISO = new Date().toISOString().split("T")[0];
+  const stale = sweepStalePayments(payments, todayISO);
+  if (stale.staleAchCount) {
+    console.error(
+      `Stale ACH (no bank settlement, sent > 16 days ago): ${stale.staleAchCount} records, ` +
+        `checks=${logSafe(stale.staleAch.map((s) => s.check_number).join(","))}`
+    );
+  }
+  if (stale.staleChecksCount) {
+    console.error(
+      `Stale checks (no bank activity, issued > 60 days ago): ${stale.staleChecksCount} records`
+    );
+  }
+
+  // Run summary record for auditing/alerting (Slack wiring is #71). The pk
+  // is append-only (run timestamp suffix) so re-runs never overwrite a
+  // prior run's record.
+  const runAt = new Date().toISOString();
+  const runKey = `boa_recon#${fromDate}_${toDate}#${runAt}`;
   await ddb.send(
     new PutCommand({
       TableName: TABLE_NAME,
       Item: {
-        pk: `boa_recon#${runDate}`,
-        run_at: new Date().toISOString(),
+        pk: runKey,
+        run_at: runAt,
         from_date: fromDate,
         to_date: toDate,
         transactions_seen: summary.transactions_seen,
@@ -213,19 +307,24 @@ export const handler = async (event) => {
         already_applied: summary.already_applied,
         redeposits: summary.redeposits,
         voided_and_bounced: summary.voided_and_bounced,
-        unmatched_count: summary.unmatched.length,
+        write_conflicts: summary.write_conflicts,
+        unmatched_count: summary.unmatched_count,
         unmatched: summary.unmatched,
+        unknown_count: summary.unknown_count,
         unknown_codes: summary.unknown_codes,
+        stale_ach: stale.staleAch,
+        stale_ach_count: stale.staleAchCount,
+        stale_checks_count: stale.staleChecksCount,
         ttl: Math.floor(Date.now() / 1000) + 90 * 24 * 60 * 60,
       },
     })
   );
 
-  const unknownCount = Object.values(summary.unknown_codes).reduce((a, b) => a + b, 0);
-  if (summary.unmatched.length || unknownCount) {
+  if (summary.unmatched_count || summary.unknown_count || summary.write_conflicts) {
     console.error(
-      `Reconciliation ${fromDate}..${toDate}: ${summary.unmatched.length} unmatched, ` +
-        `${unknownCount} unknown-code transactions (see boa_recon#${runDate})`
+      `Reconciliation ${fromDate}..${toDate}: ${summary.unmatched_count} unmatched, ` +
+        `${summary.unknown_count} unknown-code transactions, ` +
+        `${summary.write_conflicts} write conflicts (see ${logSafe(runKey)})`
     );
   }
 
@@ -233,13 +332,13 @@ export const handler = async (event) => {
     `Processed ${summary.transactions_seen} transactions ${fromDate}..${toDate}: ` +
       `${summary.matched} matched, ${summary.applied} applied, ` +
       `${summary.already_applied} already applied, ${summary.redeposits} redeposits, ` +
-      `${summary.voided_and_bounced} voided-and-bounced, ${summary.unmatched.length} unmatched`
+      `${summary.voided_and_bounced} voided-and-bounced, ${summary.unmatched_count} unmatched`
   );
 
   return {
     statusCode: 200,
     body:
       `${summary.matched} of ${summary.transactions_seen} transactions matched ` +
-      `(${summary.applied} applied, ${summary.unmatched.length} unmatched)`,
+      `(${summary.applied} applied, ${summary.unmatched_count} unmatched)`,
   };
 };
diff --git a/tests/boaRecon.test.js b/tests/boaRecon.test.js
index 26a07b3..67b9fba 100644
--- a/tests/boaRecon.test.js
+++ b/tests/boaRecon.test.js
@@ -2,15 +2,19 @@ import { test } from "node:test";
 import assert from "node:assert/strict";
 import {
   BAI_CODE_EVENTS,
+  STALE_LIST_CAP,
   amountsEqual,
   applyEvent,
+  buildEventUpdate,
   classifyTransaction,
+  digitsCorroborate,
   isCancelStatus,
   isValidISODate,
   matchAchTransaction,
   matchCheckTransaction,
   matchElectronicReturn,
   resolveDateRange,
+  sweepStalePayments,
   vendorMatches,
 } from "../src/boaRecon.js";
 
@@ -173,31 +177,67 @@ test("matcher: check number AND amount must both match", () => {
   assert.equal(m.matchedBy, "number+amount");
 });
 
-test("matcher: number match with wrong amount falls back to unique exact-amount match", () => {
+test("matcher: number match with wrong amount NEVER falls through — human review", () => {
   const payments = [
     payment({ check_number: "1001", amount_usd: 500 }),
     payment({ check_number: "1002", amount_usd: 750.25, pk: "payment#1002" }),
   ];
-  // Posting collapsed onto 1001's number but carries 1002's amount.
+  // Altered-check / collapsed-posting signal: alert, no guessing.
   const m = matchCheckTransaction({ checkNumber: "1001", amount: 750.25 }, payments, "2026-07-20");
-  assert.equal(m.payment.check_number, "1002");
+  assert.equal(m.payment, undefined);
+  assert.equal(m.unmatched, "number matched, amount mismatch");
+});
+
+test("matcher: digit-dropped number we never issued recovers via corroborated amount fallback", () => {
+  // 1222000012 is a digit-subsequence of issued 11222000012.
+  const payments = [payment({ check_number: "11222000012", amount_usd: 6413 })];
+  const m = matchCheckTransaction({ checkNumber: "1222000012", amount: 6413 }, payments, "2026-07-20");
+  assert.equal(m.payment.check_number, "11222000012");
   assert.equal(m.matchedBy, "amount");
 });
 
-test("matcher: collapsed number we never issued still recovers by amount", () => {
-  const payments = [payment({ check_number: "11222000123", amount_usd: 6413 })];
-  const m = matchCheckTransaction({ checkNumber: "1222000012", amount: 6413 }, payments, "2026-07-20");
-  assert.equal(m.payment.check_number, "11222000123");
-  assert.equal(m.matchedBy, "amount");
+test("matcher: amount fallback without digit-subsequence corroboration is unmatched", () => {
+  // Same amount, but 9876 shares no digit-subsequence relation with 11222000012.
+  const payments = [payment({ check_number: "11222000012", amount_usd: 6413 })];
+  const m = matchCheckTransaction({ checkNumber: "9876", amount: 6413 }, payments, "2026-07-20");
+  assert.equal(m.payment, undefined);
+  assert.match(m.unmatched, /no corroborated amount fallback/);
+});
+
+test("matcher: check_return amount fallback requires a bank-confirmed candidate", () => {
+  const unconfirmed = [payment({ check_number: "11222000012", amount_usd: 6413 })];
+  const r1 = matchCheckTransaction(
+    { event: "check_return", checkNumber: "1222000012", amount: 6413 },
+    unconfirmed,
+    "2026-07-20"
+  );
+  assert.equal(r1.payment, undefined);
+
+  const confirmed = [
+    payment({ check_number: "11222000012", amount_usd: 6413, clear_status: "Cleared" }),
+  ];
+  const r2 = matchCheckTransaction(
+    { event: "check_return", checkNumber: "1222000012", amount: 6413 },
+    confirmed,
+    "2026-07-20"
+  );
+  assert.equal(r2.payment.check_number, "11222000012");
+});
+
+test("digitsCorroborate: digit-subsequence in either direction, nothing else", () => {
+  assert.equal(digitsCorroborate("1222000012", "11222000012"), true); // dropped digit
+  assert.equal(digitsCorroborate("11222000012", "1222000012"), true); // symmetric
+  assert.equal(digitsCorroborate("9876", "11222000012"), false);
+  assert.equal(digitsCorroborate("", "1234"), false);
 });
 
 test("matcher: ambiguous amount fallback is unmatched — no write", () => {
+  // "101" digit-corroborates both 1001 and 1011; same amount -> ambiguous.
   const payments = [
-    payment({ check_number: "1001", amount_usd: 500 }),
-    payment({ check_number: "1002", amount_usd: 350, pk: "payment#1002" }),
-    payment({ check_number: "1003", amount_usd: 350, pk: "payment#1003" }),
+    payment({ check_number: "1001", amount_usd: 350 }),
+    payment({ check_number: "1011", amount_usd: 350, pk: "payment#1011" }),
   ];
-  const m = matchCheckTransaction({ checkNumber: "1001", amount: 350 }, payments, "2026-07-20");
+  const m = matchCheckTransaction({ checkNumber: "101", amount: 350 }, payments, "2026-07-20");
   assert.equal(m.payment, undefined);
   assert.match(m.unmatched, /ambiguous/);
 });
@@ -208,10 +248,11 @@ test("matcher: zero candidates is unmatched", () => {
 });
 
 test("matcher: amount fallback only considers checks issued in the last 120 days", () => {
+  // Corroborated ("101" is a subsequence of "1001") but issued too long ago.
   const payments = [
     payment({ check_number: "1001", amount_usd: 350, send_payment_on: "01/02/2026" }),
   ];
-  const m = matchCheckTransaction({ checkNumber: "2001", amount: 350 }, payments, "2026-07-20");
+  const m = matchCheckTransaction({ checkNumber: "101", amount: 350 }, payments, "2026-07-20");
   assert.equal(m.payment, undefined);
 });
 
@@ -342,6 +383,36 @@ test("transitions: identical replayed event is a noop (idempotent replays)", ()
   assert.equal(r.updates, null);
 });
 
+test("transitions: dedup identity is {event, date, amount} — bankRef differences are ignored", () => {
+  const p = payment({
+    status: "Cleared",
+    clear_status: "Cleared",
+    history: [{ event: "check_paid", date: "2026-07-19", bankRef: "OLD-FORMAT-REF", amount: 500 }],
+  });
+  // Same event replayed with a reformatted/omitted bankRef must still dedup.
+  const r = applyEvent(p, paidEvent({ bankReference: "813399999" }), "2026-07-19");
+  assert.equal(r.kind, "noop");
+});
+
+test("transitions: a paid event dated on/before the latest return is a replayed original, not a redeposit", () => {
+  const p = payment({
+    status: "Cleared",
+    clear_status: "Returned",
+    history: [
+      { event: "check_paid", date: "2026-07-18", bankRef: "a", amount: 500 },
+      { event: "check_return", date: "2026-07-19", bankRef: "b", amount: 500 },
+    ],
+  });
+  // Replayed original paid (different bankRef, date <= return date): noop.
+  const equalDate = applyEvent(p, paidEvent({ bankReference: "c" }), "2026-07-19");
+  assert.equal(equalDate.kind, "noop");
+  const beforeDate = applyEvent(p, paidEvent({ bankReference: "c" }), "2026-07-17");
+  assert.equal(beforeDate.kind, "noop");
+  // Strictly after the return: genuine redeposit.
+  const after = applyEvent(p, paidEvent({ bankReference: "c" }), "2026-07-20");
+  assert.equal(after.kind, "redeposit");
+});
+
 test("transitions: every non-noop result sets both status and clear_status", () => {
   const cases = [
     [payment(), paidEvent()],
@@ -433,26 +504,95 @@ test("ach matcher: vendor+amount only within send_payment_on -2..+14 days", () =
   assert.equal(m2.payment, undefined);
 });
 
-test("ach matcher: same-amount return credit after the debit matches a bank-confirmed ACH", () => {
+test("ach matcher: PMT-id-less same-amount return credit matches a recently cleared ACH", () => {
   const payments = [
-    achPayment({ payee: "Uline", clear_status: "Cleared", status: "Cleared", amount_usd: 19281.12 }),
+    achPayment({
+      payee: "Uline",
+      clear_status: "Cleared",
+      status: "Cleared",
+      cleared_date: "2026-05-22",
+      amount_usd: 19281.12,
+    }),
   ];
-  // Reversal credit: originator is SEA HAVEN INDUST, so vendor match fails.
   const m = matchAchTransaction(
-    { event: "ach_return", pmtId: "999", embeddedPaymentNumber: null, vendorText: "Sea Haven Industries, Inc", amount: 19281.12 },
+    { event: "ach_return", pmtId: null, embeddedPaymentNumber: null, vendorText: null, amount: 19281.12 },
     payments,
     "2026-05-26"
   );
   assert.equal(m.matchedBy, "amount+cleared");
 });
 
-test("ach matcher: ambiguity is unmatched — no write", () => {
+test("ach matcher: amount+cleared fallback requires cleared_date within 45 days before the credit", () => {
+  const base = {
+    payee: "Uline",
+    clear_status: "Cleared",
+    status: "Cleared",
+    amount_usd: 19281.12,
+  };
+  const tooOld = [achPayment({ ...base, cleared_date: "2026-03-01" })];
+  const m1 = matchAchTransaction(
+    { event: "ach_return", pmtId: null, embeddedPaymentNumber: null, vendorText: null, amount: 19281.12 },
+    tooOld,
+    "2026-05-26"
+  );
+  assert.equal(m1.payment, undefined);
+
+  const noDate = [achPayment({ ...base })];
+  const m2 = matchAchTransaction(
+    { event: "ach_return", pmtId: null, embeddedPaymentNumber: null, vendorText: null, amount: 19281.12 },
+    noDate,
+    "2026-05-26"
+  );
+  assert.equal(m2.payment, undefined);
+});
+
+test("ach matcher: return credit with an unattributable PMT id is unmatched, never amount-guessed", () => {
   const payments = [
-    achPayment({ pk: "payment#a", check_number: "a", clear_status: "Cleared", amount_usd: 500 }),
-    achPayment({ pk: "payment#b", check_number: "b", clear_status: "Cleared", amount_usd: 500 }),
+    achPayment({ clear_status: "Cleared", status: "Cleared", cleared_date: "2026-05-22", amount_usd: 8300 }),
   ];
   const m = matchAchTransaction(
-    { event: "ach_return", pmtId: "999", embeddedPaymentNumber: null, vendorText: null, amount: 500 },
+    { event: "ach_return", pmtId: "999", embeddedPaymentNumber: null, vendorText: null, amount: 8300 },
+    payments,
+    "2026-05-26"
+  );
+  assert.equal(m.payment, undefined);
+  assert.equal(m.unmatched, "unknown PMT id");
+});
+
+test("ach matcher: pmt_id match with amount mismatch is unmatched — partial-reversal human case", () => {
+  const payments = [achPayment({ pmt_id: "7584198", amount_usd: 8300 })];
+  const m = matchAchTransaction(
+    { event: "ach_return", pmtId: "7584198", embeddedPaymentNumber: null, vendorText: null, amount: 4150 },
+    payments,
+    "2026-06-10"
+  );
+  assert.equal(m.payment, undefined);
+  assert.equal(m.unmatched, "pmt_id matched, amount mismatch");
+});
+
+test("ach matcher: candidates with a DIFFERENT stored pmt_id are excluded from vendor+amount", () => {
+  const payments = [
+    achPayment({ pmt_id: "1111111", amount_usd: 8300 }),
+    achPayment({ check_number: "21222000270", pk: "payment#21222000270", amount_usd: 8300 }),
+  ];
+  // Both are Cobra Septic @ 8300 in-window; the pmt_id conflict on the
+  // first disambiguates to the second instead of going ambiguous.
+  const m = matchAchTransaction(
+    { event: "ach_debit", pmtId: "2222222", embeddedPaymentNumber: null, vendorText: "Cobra Septic", amount: 8300 },
+    payments,
+    "2026-06-08"
+  );
+  assert.equal(m.payment.check_number, "21222000270");
+  assert.equal(m.matchedBy, "vendor+amount");
+});
+
+test("ach matcher: ambiguity is unmatched — no write", () => {
+  const payments = [
+    achPayment({ pk: "payment#a", check_number: "a", clear_status: "Cleared", cleared_date: "2026-06-01", amount_usd: 500 }),
+    achPayment({ pk: "payment#b", check_number: "b", clear_status: "Cleared", cleared_date: "2026-06-02", amount_usd: 500 }),
+  ];
+  const m = matchAchTransaction(
+    { event: "ach_return", pmtId: null, embeddedPaymentNumber: null, vendorText: null, amount: 500 },
     payments,
     "2026-06-08"
   );
@@ -467,6 +607,15 @@ test("vendorMatches: truncated bank originator vs full payee, punctuation-insens
   assert.equal(vendorMatches("", "Cobra Septic"), false);
 });
 
+test("vendorMatches: prefix only counts at >= 10 normalized chars; short names need exact equality", () => {
+  // "ACME" (4 chars) must not claim "ACME Plumbing Co" by prefix...
+  assert.equal(vendorMatches("ACME Plumbing Co", "ACME"), false);
+  // ...but exact short-name equality still matches.
+  assert.equal(vendorMatches("ACME", "A.C.M.E."), true);
+  // 10+ char prefix still matches (truncated originators).
+  assert.equal(vendorMatches("Alliance Sanitation LLC", "ALLIANCESANITAT"), true);
+});
+
 test("ach transitions: settled debit clears both fields and persists pmt_id", () => {
   const p = achPayment();
   const r = applyEvent(
@@ -504,11 +653,89 @@ test("ach transitions: electronic return on a voided-but-settled ACH is voided-a
   assert.equal(r.updates.clear_status, "Returned");
 });
 
+// -------------------------------------------------- staleness sweep (F6)
+
+test("stale sweep: unconfirmed ACH older than 16 days is listed; checks older than 60 days counted", () => {
+  const payments = [
+    achPayment({ check_number: "21222000300", send_payment_on: "06/20/2026" }), // 31d, stale
+    achPayment({ check_number: "21222000301", pk: "payment#21222000301", send_payment_on: "07/10/2026" }), // 11d, fresh
+    achPayment({ check_number: "21222000302", pk: "payment#21222000302", send_payment_on: "06/01/2026", clear_status: "Cleared" }), // confirmed
+    achPayment({ check_number: "21222000303", pk: "payment#21222000303", send_payment_on: "06/01/2026", status: "Voided" }), // cancel-exempt
+    payment({ check_number: "3001", send_payment_on: "04/01/2026" }), // check, 111d, stale
+    payment({ check_number: "3002", pk: "payment#3002", send_payment_on: "07/01/2026" }), // check, fresh
+  ];
+  const s = sweepStalePayments(payments, "2026-07-21");
+  assert.equal(s.staleAchCount, 1);
+  assert.deepEqual(s.staleAch, [
+    { check_number: "21222000300", amount: 8300, send_payment_on: "06/20/2026" },
+  ]);
+  assert.equal(s.staleChecksCount, 1);
+});
+
+test("stale sweep: ACH list is capped, count is not", () => {
+  const payments = [];
+  for (let i = 0; i < STALE_LIST_CAP + 5; i++) {
+    payments.push(
+      achPayment({ check_number: `2122200${1000 + i}`, pk: `payment#s${i}`, send_payment_on: "06/01/2026" })
+    );
+  }
+  const s = sweepStalePayments(payments, "2026-07-21");
+  assert.equal(s.staleAchCount, STALE_LIST_CAP + 5);
+  assert.equal(s.staleAch.length, STALE_LIST_CAP);
+});
+
+// ---------------------------------------------- conditioned writes (F7)
+
+test("buildEventUpdate: condition asserts the snapshot's status and clear_status", () => {
+  const p = payment({ status: "Outstanding", clear_status: "Cleared" });
+  const applied = applyEvent(p, returnEvent(), "2026-07-20");
+  const cmd = buildEventUpdate("Table", p, applied);
+  assert.equal(cmd.TableName, "Table");
+  assert.deepEqual(cmd.Key, { pk: p.pk });
+  assert.equal(cmd.ConditionExpression, "#c0 = :c0 AND #c1 = :c1");
+  assert.equal(cmd.ExpressionAttributeNames["#c0"], "status");
+  assert.equal(cmd.ExpressionAttributeNames["#c1"], "clear_status");
+  assert.equal(cmd.ExpressionAttributeValues[":c0"], "Outstanding");
+  assert.equal(cmd.ExpressionAttributeValues[":c1"], "Cleared");
+  assert.match(cmd.UpdateExpression, /^SET #history = list_append/);
+  // Every applied field is present in the SET clause.
+  const setFields = Object.entries(cmd.ExpressionAttributeNames)
+    .filter(([k]) => k.startsWith("#f"))
+    .map(([, v]) => v);
+  assert.deepEqual(setFields.sort(), Object.keys(applied.updates).sort());
+});
+
+test("buildEventUpdate: missing snapshot clear_status becomes attribute_not_exists", () => {
+  const p = payment(); // no clear_status yet
+  const applied = applyEvent(p, paidEvent(), "2026-07-19");
+  const cmd = buildEventUpdate("Table", p, applied);
+  assert.equal(cmd.ConditionExpression, "#c0 = :c0 AND attribute_not_exists(#c1)");
+  assert.equal(":c1" in cmd.ExpressionAttributeValues, false);
+});
+
+// ----------------------------------------------------- ReDoS hardening
+
+test("classifier: bounded regexes still parse zero-padded and normal check descriptions", () => {
+  const c = classifyTransaction({ text: "CHECK # 0003176", amount: "-350" });
+  assert.equal(c.event, "check_paid");
+  assert.equal(c.checkNumber, "3176");
+});
+
+test("classifier: pathological long input is bounded, classified without hanging", () => {
+  const junk = `CHECK ${" ".repeat(2000)}${"9".repeat(2000)}`;
+  const start = Date.now();
+  const c = classifyTransaction({ text: junk, customerReference: "42", amount: "-1" });
+  assert.ok(Date.now() - start < 1000);
+  // Not parseable as a paid check -> unknown (check-shaped), never dropped.
+  assert.equal(c.event, "unknown");
+  assert.ok(c.description.length <= 500);
+});
+
 // ------------------------------------------------------------- date range
 
-test("resolveDateRange: default is yesterday", () => {
+test("resolveDateRange: default is the trailing 3-day window (Mon covers Fri-Sun)", () => {
   const r = resolveDateRange({}, new Date("2026-07-21T13:00:00Z"));
-  assert.deepEqual(r, { fromDate: "2026-07-20", toDate: "2026-07-20" });
+  assert.deepEqual(r, { fromDate: "2026-07-18", toDate: "2026-07-20" });
 });
 
 test("resolveDateRange: explicit valid range passes through", () => {
@@ -521,10 +748,13 @@ test("resolveDateRange: fromDate only replays a single day", () => {
   assert.deepEqual(r, { fromDate: "2026-06-08", toDate: "2026-06-08" });
 });
 
-test("resolveDateRange: malformed and impossible dates throw", () => {
-  assert.throws(() => resolveDateRange({ fromDate: "06/08/2026" }));
-  assert.throws(() => resolveDateRange({ fromDate: "2026-02-30" }));
-  assert.throws(() => resolveDateRange({ fromDate: "2026-07-02", toDate: "2026-07-01" }));
+test("resolveDateRange: malformed and impossible dates throw, naming the offending value", () => {
+  assert.throws(() => resolveDateRange({ fromDate: "06/08/2026" }), /06\/08\/2026/);
+  assert.throws(() => resolveDateRange({ fromDate: "2026-02-30" }), /2026-02-30/);
+  assert.throws(
+    () => resolveDateRange({ fromDate: "2026-07-02", toDate: "2026-07-01" }),
+    /fromDate="2026-07-02", toDate="2026-07-01"/
+  );
   assert.throws(() => resolveDateRange({ fromDate: "2026-07-01; DROP", toDate: "2026-07-02" }));
 });