The deployed v2 pipeline was fully inert: the classifier never read
detailText (where the live API carries the ACH DES:PAYMENTS text) and
the handler keyed event dates off valueDate, which the API does not
send (it sends asOfDate) — so ACH could not classify and no event of
any kind could apply. Both proven against real captured responses.
- classifyTransaction: detailText first in the description chain;
Summary-row guard (new "summary" event); all-zeros customerReference
normalizes to empty instead of fabricating check number 0.
- BAI_CODE_EVENTS: empirical enumeration lands — 255 + 252 are both
check-numbered return credits, 266 is the no-number return credit
(text disambiguates ach_return vs electronic_return via new
fallbackEvent semantics), 455 is ach_debit via DES text or ignored
third-party autopay, 170/201/470/481 are noise.
- postingDate helper (asOfDate ?? valueDate) drives both the sort and
event dates; unmatched reason is now "missing posting date".
- Default replay window widened to trailing 7 days ending yesterday:
self-healing across missed runs; responses verified pagination-free.
Refs: #66, #69
