Add in-memory dev clients; make package tool exports lazy

Add an in-memory Client implementation per integration package (seeded fake
data, no network) selected when SH_MCP_ENV=local (build-plan §4). Gmail/calendar/
tasks dev clients partition by ctx.sub; payments/qbo seed sensitive-looking
fields so the redaction egress path has real targets to mask.

Make the eager default-tool exports in tasks/reminders/qbo LAZY (getDefaultTools)
so importing a package barrel no longer constructs an AWS client at module load
(build-plan §7 'no I/O at import time') — the previous eager construction broke
server startup. Fix payments tsconfig rootDir (src, was '.') so its declarations
resolve under dist/index.d.ts like the other 8 packages.

packages/calendar/src/client.ts

@@ -17,12 +17,12 @@ export interface CalendarEvent {
   id: string;
   summary: string;
   description?: string;
-  start: string;       // ISO-8601 datetime or date
-  end: string;         // ISO-8601 datetime or date
+  start: string; // ISO-8601 datetime or date
+  end: string; // ISO-8601 datetime or date
   attendees?: CalendarAttendee[];
   /** True when at least one attendee is not @seahavenind.com */
   hasExternalAttendees?: boolean;
-  status?: string;     // confirmed | tentative | cancelled
+  status?: string; // confirmed | tentative | cancelled
   htmlLink?: string;
 }
 
@@ -35,9 +35,9 @@ export interface CalendarAttendee {
 }
 
 export interface GetEventsOptions {
-  calendarId?: string;   // defaults to 'primary'
-  timeMin: string;       // ISO-8601
-  timeMax: string;       // ISO-8601
+  calendarId?: string; // defaults to 'primary'
+  timeMin: string; // ISO-8601
+  timeMax: string; // ISO-8601
   maxResults?: number;
   singleEvents?: boolean;
   orderBy?: 'startTime' | 'updated';
@@ -58,11 +58,11 @@ export interface AvailabilityResult {
 }
 
 export interface CreateEventOptions {
-  calendarId?: string;   // defaults to 'primary'
+  calendarId?: string; // defaults to 'primary'
   summary: string;
   description?: string;
-  start: string;         // ISO-8601 datetime
-  end: string;           // ISO-8601 datetime
+  start: string; // ISO-8601 datetime
+  end: string; // ISO-8601 datetime
   attendees?: Array<{ email: string; displayName?: string }>;
   location?: string;
   timeZone?: string;
@@ -82,10 +82,7 @@ export interface CalendarClient {
   /**
    * Queries free/busy information for the user's calendar.
    */
-  checkAvailability(
-    userSub: string,
-    opts: CheckAvailabilityOptions,
-  ): Promise<AvailabilityResult>;
+  checkAvailability(userSub: string, opts: CheckAvailabilityOptions): Promise<AvailabilityResult>;
 
   /**
    * Creates a calendar event and returns the created event.

packages/calendar/src/dev-client.ts

@@ -0,0 +1,164 @@
+/**
+ * InMemoryCalendarClient — deterministic in-memory CalendarClient for local dev.
+ *
+ * Implements the same CalendarClient interface as GoogleCalendarClient but holds
+ * a small set of FAKE seed events in memory, partitioned by userSub so a user
+ * only ever sees their own calendar. No network, no AWS, no token provider.
+ *
+ * This is for build-plan §4 "in-memory dev clients (tools return real data
+ * locally)" — wire it into a dev server instead of GoogleCalendarClient.
+ */
+
+import type {
+  AvailabilityResult,
+  CalendarClient,
+  CalendarEvent,
+  CheckAvailabilityOptions,
+  CreateEventOptions,
+  GetEventsOptions,
+} from './client.js';
+
+/** Seed events keyed by userSub. Each user sees only their own list. */
+function seedEvents(): Map<string, CalendarEvent[]> {
+  const map = new Map<string, CalendarEvent[]>();
+
+  map.set('lauren@seahavenind.com', [
+    {
+      id: 'evt-lauren-001',
+      summary: 'Vendor onboarding sync',
+      description: 'Walk through the new vendor intake checklist.',
+      start: '2026-06-25T15:00:00Z',
+      end: '2026-06-25T15:30:00Z',
+      attendees: [
+        {
+          email: 'lauren@seahavenind.com',
+          responseStatus: 'accepted',
+          self: true,
+          organizer: true,
+        },
+        { email: 'adam@seahavenind.com', responseStatus: 'accepted' },
+      ],
+      hasExternalAttendees: false,
+      status: 'confirmed',
+      htmlLink: 'https://calendar.google.com/event?eid=evt-lauren-001',
+    },
+    {
+      id: 'evt-lauren-002',
+      summary: 'Site walkthrough — Marina pier',
+      start: '2026-06-26T13:00:00Z',
+      end: '2026-06-26T14:00:00Z',
+      attendees: [
+        {
+          email: 'lauren@seahavenind.com',
+          responseStatus: 'accepted',
+          self: true,
+          organizer: true,
+        },
+        { email: 'contractor@example.com', responseStatus: 'needsAction' },
+      ],
+      hasExternalAttendees: true,
+      status: 'confirmed',
+    },
+  ]);
+
+  map.set('adam@seahavenind.com', [
+    {
+      id: 'evt-adam-001',
+      summary: 'Quarterly finance review',
+      description: 'Review payment dashboard and QBO vendor balances.',
+      start: '2026-06-24T17:00:00Z',
+      end: '2026-06-24T18:00:00Z',
+      attendees: [
+        { email: 'adam@seahavenind.com', responseStatus: 'accepted', self: true, organizer: true },
+        { email: 'lauren@seahavenind.com', responseStatus: 'tentative' },
+      ],
+      hasExternalAttendees: false,
+      status: 'confirmed',
+    },
+  ]);
+
+  return map;
+}
+
+/**
+ * In-memory CalendarClient. Events are partitioned by userSub; createEvent
+ * appends to the caller's own list and returns the created event.
+ */
+export class InMemoryCalendarClient implements CalendarClient {
+  private readonly eventsBySub: Map<string, CalendarEvent[]>;
+  private counter = 1000;
+
+  constructor() {
+    this.eventsBySub = seedEvents();
+  }
+
+  async getEvents(userSub: string, opts: GetEventsOptions): Promise<CalendarEvent[]> {
+    const all = this.eventsBySub.get(userSub) ?? [];
+    const min = Date.parse(opts.timeMin);
+    const max = Date.parse(opts.timeMax);
+    const inWindow = all.filter((e) => {
+      const start = Date.parse(e.start);
+      return start >= min && start <= max;
+    });
+    const limit = opts.maxResults ?? 50;
+    return inWindow.slice(0, limit);
+  }
+
+  async checkAvailability(
+    userSub: string,
+    opts: CheckAvailabilityOptions,
+  ): Promise<AvailabilityResult> {
+    const min = Date.parse(opts.timeMin);
+    const max = Date.parse(opts.timeMax);
+    const all = this.eventsBySub.get(userSub) ?? [];
+
+    const busy = all
+      .filter((e) => Date.parse(e.start) < max && Date.parse(e.end) > min)
+      .map((e) => ({ start: e.start, end: e.end }))
+      .sort((a, b) => Date.parse(a.start) - Date.parse(b.start));
+
+    const free: Array<{ start: string; end: string }> = [];
+    let cursor = min;
+    for (const slot of busy) {
+      const slotStart = Date.parse(slot.start);
+      if (slotStart > cursor) {
+        free.push({
+          start: new Date(cursor).toISOString(),
+          end: new Date(slotStart).toISOString(),
+        });
+      }
+      cursor = Math.max(cursor, Date.parse(slot.end));
+    }
+    if (cursor < max) {
+      free.push({ start: new Date(cursor).toISOString(), end: new Date(max).toISOString() });
+    }
+
+    return { busy, free };
+  }
+
+  async createEvent(userSub: string, opts: CreateEventOptions): Promise<CalendarEvent> {
+    const event: CalendarEvent = {
+      id: `evt-dev-${this.counter++}`,
+      summary: opts.summary,
+      start: opts.start,
+      end: opts.end,
+      status: 'confirmed',
+      htmlLink: `https://calendar.google.com/event?eid=evt-dev-${this.counter}`,
+    };
+    if (opts.description !== undefined) {
+      event.description = opts.description;
+    }
+    if (opts.attendees !== undefined) {
+      event.attendees = opts.attendees.map((a) =>
+        a.displayName !== undefined
+          ? { email: a.email, displayName: a.displayName, responseStatus: 'needsAction' }
+          : { email: a.email, responseStatus: 'needsAction' },
+      );
+    }
+
+    const list = this.eventsBySub.get(userSub) ?? [];
+    list.push(event);
+    this.eventsBySub.set(userSub, list);
+    return event;
+  }
+}

packages/calendar/src/index.ts

@@ -28,6 +28,7 @@ export type {
   CreateEventOptions,
 } from './client.js';
 export { GoogleCalendarClient } from './client.js';
+export { InMemoryCalendarClient } from './dev-client.js';
 export type {
   GetCalendarEventsInput,
   GetCalendarEventsOutput,

packages/calendar/src/tools.ts

@@ -16,11 +16,7 @@
 
 import { defineTool, requireScope } from '@sh-mcp/shared';
 import type { AuthContext } from '@sh-mcp/shared';
-import type {
-  CalendarClient,
-  CalendarEvent,
-  AvailabilityResult,
-} from './client.js';
+import type { CalendarClient, CalendarEvent, AvailabilityResult } from './client.js';
 import { CalendarClientError } from './client.js';
 
 // ---------------------------------------------------------------------------
@@ -131,7 +127,7 @@ export function buildCalendarTools(client: CalendarClient) {
         },
         calendarId: {
           type: 'string',
-          description: 'Calendar ID to query. Defaults to \'primary\'.',
+          description: "Calendar ID to query. Defaults to 'primary'.",
           default: 'primary',
         },
         maxResults: {
@@ -181,7 +177,7 @@ export function buildCalendarTools(client: CalendarClient) {
   const checkAvailability = defineTool<CheckAvailabilityInput, CheckAvailabilityOutput>({
     name: 'check_availability',
     description:
-      'Check the authenticated user\'s free/busy availability within a time window. ' +
+      "Check the authenticated user's free/busy availability within a time window. " +
       'Returns a list of busy blocks and derived free blocks. ' +
       'Useful for scheduling and finding open meeting slots.',
     tier: 'ops',
@@ -203,7 +199,7 @@ export function buildCalendarTools(client: CalendarClient) {
         },
         calendarId: {
           type: 'string',
-          description: 'Calendar ID to check. Defaults to \'primary\'.',
+          description: "Calendar ID to check. Defaults to 'primary'.",
           default: 'primary',
         },
       },
@@ -301,7 +297,7 @@ export function buildCalendarTools(client: CalendarClient) {
         },
         calendarId: {
           type: 'string',
-          description: 'Calendar to create the event in. Defaults to \'primary\'.',
+          description: "Calendar to create the event in. Defaults to 'primary'.",
           default: 'primary',
         },
       },

packages/gmail/src/dev-client.ts

@@ -0,0 +1,149 @@
+/**
+ * InMemoryGmailClient — deterministic in-memory GmailClient for local dev.
+ *
+ * Holds a small set of FAKE inboxes/threads in memory, partitioned by userSub
+ * so a user only ever sees their own mail. searchInbox does a simple
+ * case-insensitive substring match against subject/snippet; getThreadDetail
+ * throws if the thread is not found or not owned by the caller. No network.
+ *
+ * This is for build-plan §4 "in-memory dev clients (tools return real data
+ * locally)".
+ */
+
+import type {
+  EmailMessage,
+  EmailThread,
+  GetThreadDetailParams,
+  GmailClient,
+  SearchInboxParams,
+} from './client.js';
+
+interface SeedInbox {
+  messages: EmailMessage[];
+  threads: Map<string, EmailThread>;
+}
+
+function seedInboxes(): Map<string, SeedInbox> {
+  const map = new Map<string, SeedInbox>();
+
+  map.set('lauren@seahavenind.com', {
+    messages: [
+      {
+        id: 'msg-l-1',
+        threadId: 'thr-l-1',
+        subject: 'Invoice #4821 from Coastal Supply',
+        from: 'billing@coastalsupply.example',
+        to: 'lauren@seahavenind.com',
+        date: '2026-06-22T09:15:00Z',
+        snippet: 'Please find attached invoice #4821 for the dock hardware order.',
+      },
+      {
+        id: 'msg-l-2',
+        threadId: 'thr-l-2',
+        subject: 'Re: Site walkthrough scheduling',
+        from: 'adam@seahavenind.com',
+        to: 'lauren@seahavenind.com',
+        date: '2026-06-23T14:02:00Z',
+        snippet: 'Friday afternoon works for the marina pier walkthrough.',
+      },
+    ],
+    threads: new Map<string, EmailThread>([
+      [
+        'thr-l-1',
+        {
+          threadId: 'thr-l-1',
+          subject: 'Invoice #4821 from Coastal Supply',
+          messages: [
+            {
+              id: 'msg-l-1',
+              from: 'billing@coastalsupply.example',
+              to: 'lauren@seahavenind.com',
+              date: '2026-06-22T09:15:00Z',
+              body: 'Please find attached invoice #4821 for the dock hardware order. Net 30 terms apply.',
+            },
+          ],
+        },
+      ],
+      [
+        'thr-l-2',
+        {
+          threadId: 'thr-l-2',
+          subject: 'Re: Site walkthrough scheduling',
+          messages: [
+            {
+              id: 'msg-l-2',
+              from: 'adam@seahavenind.com',
+              to: 'lauren@seahavenind.com',
+              date: '2026-06-23T14:02:00Z',
+              body: 'Friday afternoon works for the marina pier walkthrough. I will bring the punch list.',
+            },
+          ],
+        },
+      ],
+    ]),
+  });
+
+  map.set('adam@seahavenind.com', {
+    messages: [
+      {
+        id: 'msg-a-1',
+        threadId: 'thr-a-1',
+        subject: 'Payment confirmation — check #2087',
+        from: 'ap@seahavenind.com',
+        to: 'adam@seahavenind.com',
+        date: '2026-06-21T11:40:00Z',
+        snippet: 'Check #2087 to Harbor Electric has cleared.',
+      },
+    ],
+    threads: new Map<string, EmailThread>([
+      [
+        'thr-a-1',
+        {
+          threadId: 'thr-a-1',
+          subject: 'Payment confirmation — check #2087',
+          messages: [
+            {
+              id: 'msg-a-1',
+              from: 'ap@seahavenind.com',
+              to: 'adam@seahavenind.com',
+              date: '2026-06-21T11:40:00Z',
+              body: 'Check #2087 to Harbor Electric has cleared. The payment dashboard is updated.',
+            },
+          ],
+        },
+      ],
+    ]),
+  });
+
+  return map;
+}
+
+/** In-memory GmailClient. Inboxes are partitioned by userSub. */
+export class InMemoryGmailClient implements GmailClient {
+  private readonly inboxes: Map<string, SeedInbox>;
+
+  constructor() {
+    this.inboxes = seedInboxes();
+  }
+
+  async searchInbox(params: SearchInboxParams): Promise<EmailMessage[]> {
+    const inbox = this.inboxes.get(params.userSub);
+    if (!inbox) {
+      return [];
+    }
+    const q = params.query.toLowerCase();
+    const matches = inbox.messages.filter(
+      (m) => m.subject.toLowerCase().includes(q) || m.snippet.toLowerCase().includes(q),
+    );
+    return matches.slice(0, params.maxResults);
+  }
+
+  async getThreadDetail(params: GetThreadDetailParams): Promise<EmailThread> {
+    const inbox = this.inboxes.get(params.userSub);
+    const thread = inbox?.threads.get(params.threadId);
+    if (!thread) {
+      throw new Error(`Thread ${params.threadId} not found for user ${params.userSub}`);
+    }
+    return thread;
+  }
+}

packages/gmail/src/index.ts

@@ -15,6 +15,7 @@
  */
 
 export { GmailApiClient } from './client.js';
+export { InMemoryGmailClient } from './dev-client.js';
 export type {
   GmailClient,
   GoogleTokenProvider,

packages/gmail/src/tools.ts

@@ -54,7 +54,7 @@ export function makeSearchInboxTool(client: GmailClient) {
   return defineTool<SearchInboxInput, SearchInboxOutput>({
     name: 'search_inbox',
     description:
-      'Search the signed-in user\'s Gmail inbox using a Gmail query string. ' +
+      "Search the signed-in user's Gmail inbox using a Gmail query string. " +
       'Returns matching message metadata and snippets. ' +
       'Acts as the authenticated user — never reads another mailbox.',
     tier: 'ops',

packages/google-maps/src/dev-client.ts

@@ -0,0 +1,57 @@
+/**
+ * InMemoryGoogleMapsClient — deterministic in-memory GoogleMapsClient for dev.
+ *
+ * Returns a fixed set of FAKE vendor PlaceResults, lightly filtered by a
+ * case-insensitive substring match against textQuery and capped at
+ * maxResultCount. No network, no API key.
+ *
+ * This is for build-plan §4 "in-memory dev clients (tools return real data
+ * locally)".
+ */
+
+import type { GoogleMapsClient, PlaceResult, SearchTextParams } from './client.js';
+
+const SEED_PLACES: PlaceResult[] = [
+  {
+    displayName: 'Harbor Electric Co.',
+    formattedAddress: '142 Dock St, Sea Haven, NY 11790',
+    nationalPhoneNumber: '(631) 555-0142',
+    types: ['electrician', 'point_of_interest', 'establishment'],
+    rating: 4.6,
+    googleMapsUri: 'https://maps.google.com/?cid=10000000000000000001',
+  },
+  {
+    displayName: 'Coastal Supply & Hardware',
+    formattedAddress: '88 Marina Way, Sea Haven, NY 11790',
+    nationalPhoneNumber: '(631) 555-0188',
+    types: ['hardware_store', 'point_of_interest', 'establishment'],
+    rating: 4.2,
+    googleMapsUri: 'https://maps.google.com/?cid=10000000000000000002',
+  },
+  {
+    displayName: 'Tidewater Plumbing LLC',
+    formattedAddress: '23 Bayfront Rd, Sea Haven, NY 11790',
+    nationalPhoneNumber: '(631) 555-0123',
+    types: ['plumber', 'point_of_interest', 'establishment'],
+    rating: 4.8,
+    googleMapsUri: 'https://maps.google.com/?cid=10000000000000000003',
+  },
+];
+
+/** In-memory GoogleMapsClient returning seeded vendor places. */
+export class InMemoryGoogleMapsClient implements GoogleMapsClient {
+  async searchText(params: SearchTextParams): Promise<PlaceResult[]> {
+    const q = params.textQuery.trim().toLowerCase();
+    const filtered =
+      q.length === 0
+        ? SEED_PLACES
+        : SEED_PLACES.filter(
+            (p) =>
+              p.displayName.toLowerCase().includes(q) ||
+              p.types.some((t) => t.toLowerCase().includes(q)),
+          );
+    const results = filtered.length > 0 ? filtered : SEED_PLACES;
+    const limit = params.maxResultCount ?? 10;
+    return results.slice(0, limit);
+  }
+}

packages/google-maps/src/index.ts

@@ -19,8 +19,13 @@
  */
 
 export { GooglePlacesClient } from './client.js';
+export { InMemoryGoogleMapsClient } from './dev-client.js';
 export type { GoogleMapsClient, PlaceResult, SearchTextParams } from './client.js';
-export type { SearchNearbyVendorsInput, SearchNearbyVendorsOutput, VendorListing } from './tools.js';
+export type {
+  SearchNearbyVendorsInput,
+  SearchNearbyVendorsOutput,
+  VendorListing,
+} from './tools.js';
 export { makeSearchNearbyVendors } from './tools.js';
 
 import type { ToolDef } from '@sh-mcp/shared';
@@ -31,10 +36,6 @@ import { makeSearchNearbyVendors } from './tools.js';
  * Build the full tools array wired to an injected client.
  * Servers call this at startup with their concrete GooglePlacesClient.
  */
-export function makeTools(
-  client: GoogleMapsClient,
-): ToolDef<unknown, unknown>[] {
-  return [
-    makeSearchNearbyVendors(client) as ToolDef<unknown, unknown>,
-  ];
+export function makeTools(client: GoogleMapsClient): ToolDef<unknown, unknown>[] {
+  return [makeSearchNearbyVendors(client) as ToolDef<unknown, unknown>];
 }

packages/internal-data/src/client.ts

@@ -64,15 +64,15 @@ export interface InternalDataClient {
 // ---------------------------------------------------------------------------
 // Real (AWS SDK-backed) implementation
 //
- // The AWS SDK import lives here — behind this class — so that:
- //   a) Nothing happens at module load time (no credential resolution, no env reads).
- //   b) Tests never reach this code; they inject a mock that satisfies the interface.
- //
- // TODO (DEFERRED auth layer): When the Gateway layer is built, the Lambda execution
- // role will supply credentials via the standard AWS environment variables. At that
- // point ensure the DocumentClient is constructed with the correct region and that
- // the table names are injected via environment variables (WORK_ORDERS_TABLE,
- // PURCHASE_ORDERS_TABLE, SITE_ASSIGNMENTS_TABLE) rather than hard-coded.
+// The AWS SDK import lives here — behind this class — so that:
+//   a) Nothing happens at module load time (no credential resolution, no env reads).
+//   b) Tests never reach this code; they inject a mock that satisfies the interface.
+//
+// TODO (DEFERRED auth layer): When the Gateway layer is built, the Lambda execution
+// role will supply credentials via the standard AWS environment variables. At that
+// point ensure the DocumentClient is constructed with the correct region and that
+// the table names are injected via environment variables (WORK_ORDERS_TABLE,
+// PURCHASE_ORDERS_TABLE, SITE_ASSIGNMENTS_TABLE) rather than hard-coded.
 // ---------------------------------------------------------------------------
 
 export class RealDynamoClient implements InternalDataClient {
@@ -114,9 +114,13 @@ export class RealDynamoClient implements InternalDataClient {
     const dynImport = (s: string): Promise<any> => import(/* @vite-ignore */ s);
 
     // eslint-disable-next-line @typescript-eslint/no-explicit-any
-    const { DynamoDBClient } = (await dynImport('@aws-sdk/client-dynamodb')) as { DynamoDBClient: new (cfg: { region: string }) => any };
+    const { DynamoDBClient } = (await dynImport('@aws-sdk/client-dynamodb')) as {
+      DynamoDBClient: new (cfg: { region: string }) => any;
+    };
     // eslint-disable-next-line @typescript-eslint/no-explicit-any
-    const { DynamoDBDocumentClient } = (await dynImport('@aws-sdk/lib-dynamodb')) as { DynamoDBDocumentClient: { from: (c: any) => any } };
+    const { DynamoDBDocumentClient } = (await dynImport('@aws-sdk/lib-dynamodb')) as {
+      DynamoDBDocumentClient: { from: (c: any) => any };
+    };
 
     const region = process.env['AWS_REGION'] ?? 'us-east-1';
     // eslint-disable-next-line @typescript-eslint/no-unsafe-call, @typescript-eslint/no-unsafe-assignment
@@ -136,7 +140,9 @@ export class RealDynamoClient implements InternalDataClient {
     // eslint-disable-next-line @typescript-eslint/no-explicit-any
     const dynImport = (s: string): Promise<any> => import(/* @vite-ignore */ s);
     // eslint-disable-next-line @typescript-eslint/no-explicit-any
-    const { GetCommand } = (await dynImport('@aws-sdk/lib-dynamodb')) as { GetCommand: new (i: any) => any };
+    const { GetCommand } = (await dynImport('@aws-sdk/lib-dynamodb')) as {
+      GetCommand: new (i: any) => any;
+    };
     // eslint-disable-next-line @typescript-eslint/no-unsafe-call, @typescript-eslint/no-unsafe-assignment
     const result = await this.ddb.send(
       // eslint-disable-next-line @typescript-eslint/no-unsafe-call
@@ -150,7 +156,9 @@ export class RealDynamoClient implements InternalDataClient {
     // eslint-disable-next-line @typescript-eslint/no-explicit-any
     const dynImport = (s: string): Promise<any> => import(/* @vite-ignore */ s);
     // eslint-disable-next-line @typescript-eslint/no-explicit-any
-    const { GetCommand } = (await dynImport('@aws-sdk/lib-dynamodb')) as { GetCommand: new (i: any) => any };
+    const { GetCommand } = (await dynImport('@aws-sdk/lib-dynamodb')) as {
+      GetCommand: new (i: any) => any;
+    };
     // eslint-disable-next-line @typescript-eslint/no-unsafe-call, @typescript-eslint/no-unsafe-assignment
     const result = await this.ddb.send(
       // eslint-disable-next-line @typescript-eslint/no-unsafe-call
@@ -164,7 +172,9 @@ export class RealDynamoClient implements InternalDataClient {
     // eslint-disable-next-line @typescript-eslint/no-explicit-any
     const dynImport = (s: string): Promise<any> => import(/* @vite-ignore */ s);
     // eslint-disable-next-line @typescript-eslint/no-explicit-any
-    const { GetCommand } = (await dynImport('@aws-sdk/lib-dynamodb')) as { GetCommand: new (i: any) => any };
+    const { GetCommand } = (await dynImport('@aws-sdk/lib-dynamodb')) as {
+      GetCommand: new (i: any) => any;
+    };
     // eslint-disable-next-line @typescript-eslint/no-unsafe-call, @typescript-eslint/no-unsafe-assignment
     const result = await this.ddb.send(
       // eslint-disable-next-line @typescript-eslint/no-unsafe-call

packages/internal-data/src/dev-client.ts

@@ -0,0 +1,124 @@
+/**
+ * InMemoryInternalDataClient — deterministic in-memory InternalDataClient.
+ *
+ * Holds a few FAKE work orders, purchase orders, and sites in memory. Returns
+ * null for unknown ids, matching the real client's contract. No AWS, no
+ * network.
+ *
+ * This is for build-plan §4 "in-memory dev clients (tools return real data
+ * locally)".
+ */
+
+import type {
+  InternalDataClient,
+  PurchaseOrderRecord,
+  SiteRecord,
+  WorkOrderRecord,
+} from './client.js';
+
+function seedWorkOrders(): Map<string, WorkOrderRecord> {
+  return new Map<string, WorkOrderRecord>([
+    [
+      'WO-1001',
+      {
+        workOrderId: 'WO-1001',
+        title: 'Replace dock lighting circuit',
+        status: 'in_progress',
+        siteId: 'SITE-01',
+        assignedTo: 'lauren@seahavenind.com',
+        createdAt: '2026-06-18T08:00:00Z',
+        updatedAt: '2026-06-22T16:30:00Z',
+        description: 'Pier B lighting circuit tripping under load; replace breaker and run.',
+      },
+    ],
+    [
+      'WO-1002',
+      {
+        workOrderId: 'WO-1002',
+        title: 'Quarterly HVAC inspection',
+        status: 'open',
+        siteId: 'SITE-02',
+        createdAt: '2026-06-20T10:15:00Z',
+        updatedAt: '2026-06-20T10:15:00Z',
+      },
+    ],
+  ]);
+}
+
+function seedPurchaseOrders(): Map<string, PurchaseOrderRecord> {
+  return new Map<string, PurchaseOrderRecord>([
+    [
+      'PO-2001',
+      {
+        purchaseOrderId: 'PO-2001',
+        vendor: 'Coastal Supply & Hardware',
+        status: 'approved',
+        totalAmount: 1842.5,
+        currency: 'USD',
+        issuedAt: '2026-06-15T12:00:00Z',
+        updatedAt: '2026-06-16T09:00:00Z',
+        lineItems: [
+          { description: 'Marine-grade breaker 30A', quantity: 4, unitPrice: 210.0 },
+          { description: 'THWN wire, 250ft spool', quantity: 1, unitPrice: 1002.5 },
+        ],
+      },
+    ],
+    [
+      'PO-2002',
+      {
+        purchaseOrderId: 'PO-2002',
+        vendor: 'Tidewater Plumbing LLC',
+        status: 'pending',
+        totalAmount: 640.0,
+        currency: 'USD',
+        issuedAt: '2026-06-19T15:30:00Z',
+        updatedAt: '2026-06-19T15:30:00Z',
+      },
+    ],
+  ]);
+}
+
+function seedSites(): Map<string, SiteRecord> {
+  return new Map<string, SiteRecord>([
+    [
+      'SITE-01',
+      {
+        siteId: 'SITE-01',
+        name: 'Marina Pier Complex',
+        address: '88 Marina Way, Sea Haven, NY 11790',
+        region: 'North Shore',
+        status: 'active',
+        assignedTechnicians: ['lauren@seahavenind.com'],
+      },
+    ],
+    [
+      'SITE-02',
+      {
+        siteId: 'SITE-02',
+        name: 'Bayfront Warehouse',
+        address: '23 Bayfront Rd, Sea Haven, NY 11790',
+        region: 'North Shore',
+        status: 'active',
+      },
+    ],
+  ]);
+}
+
+/** In-memory InternalDataClient seeded with a few fake records. */
+export class InMemoryInternalDataClient implements InternalDataClient {
+  private readonly workOrders = seedWorkOrders();
+  private readonly purchaseOrders = seedPurchaseOrders();
+  private readonly sites = seedSites();
+
+  async getWorkOrder(workOrderId: string): Promise<WorkOrderRecord | null> {
+    return this.workOrders.get(workOrderId) ?? null;
+  }
+
+  async getPurchaseOrder(purchaseOrderId: string): Promise<PurchaseOrderRecord | null> {
+    return this.purchaseOrders.get(purchaseOrderId) ?? null;
+  }
+
+  async getSite(siteId: string): Promise<SiteRecord | null> {
+    return this.sites.get(siteId) ?? null;
+  }
+}

packages/internal-data/src/index.ts

@@ -15,5 +15,11 @@ export type {
   LookupSiteInput,
   LookupSiteOutput,
 } from './tools.js';
-export type { InternalDataClient, WorkOrderRecord, PurchaseOrderRecord, SiteRecord } from './client.js';
+export type {
+  InternalDataClient,
+  WorkOrderRecord,
+  PurchaseOrderRecord,
+  SiteRecord,
+} from './client.js';
 export { RealDynamoClient } from './client.js';
+export { InMemoryInternalDataClient } from './dev-client.js';

packages/internal-data/src/tools.ts

@@ -198,10 +198,7 @@ export function makeTools(client: InternalDataClient) {
         },
       },
     },
-    handler: async (
-      input: LookupSiteInput,
-      ctx: AuthContext,
-    ): Promise<LookupSiteOutput> => {
+    handler: async (input: LookupSiteInput, ctx: AuthContext): Promise<LookupSiteOutput> => {
       requireScope(ctx, 'ops:read');
 
       const record = await client.getSite(input.siteId);

packages/knowledge-base/src/client.ts

@@ -85,7 +85,8 @@ export class BedrockKnowledgeBaseClient implements KnowledgeBaseClient {
     // until the Lambda runtime bundle is assembled. The module specifier is stored in a
     // variable so TypeScript skips static module resolution at build time.
     // eslint-disable-next-line @typescript-eslint/no-explicit-any
-    const dynImport = (s: string): Promise<any> => new Function('s', 'return import(s)')(s) as Promise<any>;
+    const dynImport = (s: string): Promise<any> =>
+      new Function('s', 'return import(s)')(s) as Promise<any>;
 
     interface BedrockRetrievalResult {
       location?: { s3Location?: { uri?: string }; type?: string };
@@ -97,9 +98,13 @@ export class BedrockKnowledgeBaseClient implements KnowledgeBaseClient {
     }
 
     // eslint-disable-next-line @typescript-eslint/no-explicit-any
-    const { BedrockAgentRuntimeClient, RetrieveCommand } = (await dynImport('@aws-sdk/client-bedrock-agent-runtime')) as {
+    const { BedrockAgentRuntimeClient, RetrieveCommand } = (await dynImport(
+      '@aws-sdk/client-bedrock-agent-runtime',
+    )) as {
       // eslint-disable-next-line @typescript-eslint/no-explicit-any
-      BedrockAgentRuntimeClient: new (cfg: { region: string }) => { send: (cmd: any) => Promise<BedrockRetrieveResponse> };
+      BedrockAgentRuntimeClient: new (cfg: { region: string }) => {
+        send: (cmd: any) => Promise<BedrockRetrieveResponse>;
+      };
       // eslint-disable-next-line @typescript-eslint/no-explicit-any
       RetrieveCommand: new (input: any) => unknown;
     };
@@ -140,7 +145,7 @@ export function createBedrockClientFromEnv(): BedrockKnowledgeBaseClient {
   const knowledgeBaseId = process.env['KNOWLEDGE_BASE_ID'];
   if (!knowledgeBaseId) {
     throw new Error(
-      'KNOWLEDGE_BASE_ID environment variable is required for the production KB client'
+      'KNOWLEDGE_BASE_ID environment variable is required for the production KB client',
     );
   }
   return new BedrockKnowledgeBaseClient({

packages/knowledge-base/src/dev-client.ts

@@ -0,0 +1,40 @@
+/**
+ * InMemoryKnowledgeBaseClient — deterministic in-memory KnowledgeBaseClient.
+ *
+ * Returns a fixed set of FAKE retrieval passages, respecting maxResults
+ * (default 5). No AWS, no Bedrock, no network.
+ *
+ * This is for build-plan §4 "in-memory dev clients (tools return real data
+ * locally)".
+ */
+
+import type { KnowledgeBaseClient, KnowledgeBaseResult, RetrieveOptions } from './client.js';
+
+const SEED_RESULTS: KnowledgeBaseResult[] = [
+  {
+    source: 's3://sh-mcp-kb/handbook/vendor-onboarding.md',
+    score: 0.92,
+    passage:
+      'New vendors must complete the W-9 intake form and provide a certificate of insurance before any purchase order is issued.',
+  },
+  {
+    source: 's3://sh-mcp-kb/handbook/payment-terms.md',
+    score: 0.84,
+    passage:
+      'Standard payment terms are Net 30. Early-payment discounts of 2% are available when invoices are paid within 10 days.',
+  },
+  {
+    source: 's3://sh-mcp-kb/runbooks/dock-electrical.md',
+    score: 0.77,
+    passage:
+      'Dock lighting circuits are rated for 30A. A repeated trip under load usually indicates a degraded breaker or a wet junction box.',
+  },
+];
+
+/** In-memory KnowledgeBaseClient returning seeded passages. */
+export class InMemoryKnowledgeBaseClient implements KnowledgeBaseClient {
+  async retrieve(options: RetrieveOptions): Promise<KnowledgeBaseResult[]> {
+    const limit = options.maxResults ?? 5;
+    return SEED_RESULTS.slice(0, limit);
+  }
+}

packages/knowledge-base/src/index.ts

@@ -22,10 +22,8 @@ export type {
   SearchKnowledgeBaseResultItem,
 } from './tools.js';
 
-export {
-  BedrockKnowledgeBaseClient,
-  createBedrockClientFromEnv,
-} from './client.js';
+export { BedrockKnowledgeBaseClient, createBedrockClientFromEnv } from './client.js';
+export { InMemoryKnowledgeBaseClient } from './dev-client.js';
 export type {
   KnowledgeBaseClient,
   KnowledgeBaseResult,

packages/knowledge-base/src/tools.ts

@@ -54,12 +54,9 @@ export interface SearchKnowledgeBaseOutput {
  *   const tools = createKnowledgeBaseTools(mockClient);
  */
 export function createKnowledgeBaseTools(
-  client: KnowledgeBaseClient
+  client: KnowledgeBaseClient,
 ): ToolDef<SearchKnowledgeBaseInput, SearchKnowledgeBaseOutput>[] {
-  const searchKnowledgeBase = defineTool<
-    SearchKnowledgeBaseInput,
-    SearchKnowledgeBaseOutput
-  >({
+  const searchKnowledgeBase = defineTool<SearchKnowledgeBaseInput, SearchKnowledgeBaseOutput>({
     name: 'search_knowledge_base',
     description:
       'Search the Sea Haven internal knowledge base for relevant information. ' +
@@ -73,15 +70,13 @@ export function createKnowledgeBaseTools(
       properties: {
         query: {
           type: 'string',
-          description:
-            'Natural-language question or keyword search query.',
+          description: 'Natural-language question or keyword search query.',
           minLength: 1,
           maxLength: 1000,
         },
         maxResults: {
           type: 'integer',
-          description:
-            'Maximum number of passages to return (1–20). Defaults to 5.',
+          description: 'Maximum number of passages to return (1–20). Defaults to 5.',
           minimum: 1,
           maximum: 20,
           default: 5,
@@ -93,7 +88,7 @@ export function createKnowledgeBaseTools(
 
     async handler(
       input: SearchKnowledgeBaseInput,
-      ctx: AuthContext
+      ctx: AuthContext,
     ): Promise<SearchKnowledgeBaseOutput> {
       // Server-side scope enforcement — never rely solely on UI tool-hiding.
       requireScope(ctx, 'ops:read');

packages/payments/src/client.ts

@@ -22,7 +22,7 @@ export interface Payment {
   checkNumber?: string;
   /** ISO-8601 date string */
   paymentDate: string;
-  status: "pending" | "cleared" | "voided" | "failed";
+  status: 'pending' | 'cleared' | 'voided' | 'failed';
   /** Bank account number — MUST be redacted before leaving the server */
   bankAccountNumber?: string;
   /** Bank routing number — MUST be redacted before leaving the server */
@@ -43,22 +43,13 @@ export interface PaymentsQueryOptions {
  */
 export interface PaymentsClient {
   /** Return all payments for a given vendor name (case-insensitive prefix match). */
-  getByVendor(
-    vendor: string,
-    opts?: PaymentsQueryOptions,
-  ): Promise<Payment[]>;
+  getByVendor(vendor: string, opts?: PaymentsQueryOptions): Promise<Payment[]>;
 
   /** Return the payment(s) matching an invoice number. */
-  getByInvoice(
-    invoiceNumber: string,
-    opts?: PaymentsQueryOptions,
-  ): Promise<Payment[]>;
+  getByInvoice(invoiceNumber: string, opts?: PaymentsQueryOptions): Promise<Payment[]>;
 
   /** Return the payment matching a check number. */
-  getByCheck(
-    checkNumber: string,
-    opts?: PaymentsQueryOptions,
-  ): Promise<Payment[]>;
+  getByCheck(checkNumber: string, opts?: PaymentsQueryOptions): Promise<Payment[]>;
 }
 
 // ---------------------------------------------------------------------------
@@ -82,7 +73,7 @@ export interface PaymentsClient {
 export class DynamoPaymentsClient implements PaymentsClient {
   private readonly tableName: string;
 
-  constructor(tableName = process.env["PAYMENTS_TABLE"] ?? "PaymentsDashboard") {
+  constructor(tableName = process.env['PAYMENTS_TABLE'] ?? 'PaymentsDashboard') {
     this.tableName = tableName;
     // The DynamoDB DocumentClient is intentionally NOT instantiated here to
     // avoid any AWS SDK import side-effects at module load time.  Instantiate
@@ -90,33 +81,18 @@ export class DynamoPaymentsClient implements PaymentsClient {
     void this.tableName; // suppress unused-var lint until real impl lands
   }
 
-  async getByVendor(
-    _vendor: string,
-    _opts?: PaymentsQueryOptions,
-  ): Promise<Payment[]> {
+  async getByVendor(_vendor: string, _opts?: PaymentsQueryOptions): Promise<Payment[]> {
     // TODO(real-impl): query VendorIndex GSI with vendor_normalized = vendor.toLowerCase()
-    throw new Error(
-      "DynamoPaymentsClient is a stub — inject a real or mock client instead.",
-    );
+    throw new Error('DynamoPaymentsClient is a stub — inject a real or mock client instead.');
   }
 
-  async getByInvoice(
-    _invoiceNumber: string,
-    _opts?: PaymentsQueryOptions,
-  ): Promise<Payment[]> {
+  async getByInvoice(_invoiceNumber: string, _opts?: PaymentsQueryOptions): Promise<Payment[]> {
     // TODO(real-impl): query InvoiceIndex GSI with invoiceNumber = invoiceNumber
-    throw new Error(
-      "DynamoPaymentsClient is a stub — inject a real or mock client instead.",
-    );
+    throw new Error('DynamoPaymentsClient is a stub — inject a real or mock client instead.');
   }
 
-  async getByCheck(
-    _checkNumber: string,
-    _opts?: PaymentsQueryOptions,
-  ): Promise<Payment[]> {
+  async getByCheck(_checkNumber: string, _opts?: PaymentsQueryOptions): Promise<Payment[]> {
     // TODO(real-impl): query CheckIndex GSI with checkNumber = checkNumber
-    throw new Error(
-      "DynamoPaymentsClient is a stub — inject a real or mock client instead.",
-    );
+    throw new Error('DynamoPaymentsClient is a stub — inject a real or mock client instead.');
   }
 }

packages/payments/src/dev-client.ts

@@ -0,0 +1,84 @@
+/**
+ * InMemoryPaymentsClient — deterministic in-memory PaymentsClient for dev.
+ *
+ * Holds a few FAKE payment records in memory. CRITICAL: the seed records carry
+ * realistic-looking sensitive values (bank account/routing numbers, card
+ * number) so the redaction egress path has something to mask before a response
+ * leaves the server. These are fabricated test values, not real account data.
+ *
+ * This is for build-plan §4 "in-memory dev clients (tools return real data
+ * locally)".
+ */
+
+import type { Payment, PaymentsClient, PaymentsQueryOptions } from './client.js';
+
+const SEED_PAYMENTS: Payment[] = [
+  {
+    paymentId: 'PAY-9001',
+    vendor: 'Harbor Electric Co.',
+    vendorContact: 'ap@harborelectric.example',
+    amount: 4820.75,
+    currency: 'USD',
+    invoiceNumber: 'INV-4821',
+    checkNumber: '2087',
+    paymentDate: '2026-06-21T00:00:00Z',
+    status: 'cleared',
+    bankAccountNumber: '123456789012',
+    bankRoutingNumber: '021000021',
+    cardNumber: '4111111111111111',
+    memo: 'Dock lighting circuit replacement — WO-1001',
+  },
+  {
+    paymentId: 'PAY-9002',
+    vendor: 'Coastal Supply & Hardware',
+    amount: 1842.5,
+    currency: 'USD',
+    invoiceNumber: 'INV-3310',
+    checkNumber: '2088',
+    paymentDate: '2026-06-22T00:00:00Z',
+    status: 'pending',
+    bankAccountNumber: '987654321098',
+    bankRoutingNumber: '011401533',
+    cardNumber: '5500000000000004',
+    memo: 'PO-2001 hardware order',
+  },
+  {
+    paymentId: 'PAY-9003',
+    vendor: 'Tidewater Plumbing LLC',
+    amount: 640.0,
+    currency: 'USD',
+    invoiceNumber: 'INV-7755',
+    checkNumber: '2089',
+    paymentDate: '2026-06-23T00:00:00Z',
+    status: 'cleared',
+    bankAccountNumber: '456789012345',
+    bankRoutingNumber: '026009593',
+    cardNumber: '340000000000009',
+    memo: 'Bayfront warehouse fixture repair',
+  },
+];
+
+/** In-memory PaymentsClient seeded with sensitive-bearing fake records. */
+export class InMemoryPaymentsClient implements PaymentsClient {
+  private readonly payments: Payment[] = SEED_PAYMENTS.map((p) => ({ ...p }));
+
+  private applyLimit(rows: Payment[], opts?: PaymentsQueryOptions): Payment[] {
+    return opts?.limit !== undefined ? rows.slice(0, opts.limit) : rows;
+  }
+
+  async getByVendor(vendor: string, opts?: PaymentsQueryOptions): Promise<Payment[]> {
+    const needle = vendor.toLowerCase();
+    const matches = this.payments.filter((p) => p.vendor.toLowerCase().includes(needle));
+    return this.applyLimit(matches, opts);
+  }
+
+  async getByInvoice(invoiceNumber: string, opts?: PaymentsQueryOptions): Promise<Payment[]> {
+    const matches = this.payments.filter((p) => p.invoiceNumber === invoiceNumber);
+    return this.applyLimit(matches, opts);
+  }
+
+  async getByCheck(checkNumber: string, opts?: PaymentsQueryOptions): Promise<Payment[]> {
+    const matches = this.payments.filter((p) => p.checkNumber === checkNumber);
+    return this.applyLimit(matches, opts);
+  }
+}

packages/payments/src/index.ts

@@ -13,8 +13,9 @@
  *   // register tools with the server registry
  */
 
-export type { PaymentsClient, Payment, PaymentsQueryOptions } from "./client.js";
-export { DynamoPaymentsClient } from "./client.js";
+export type { PaymentsClient, Payment, PaymentsQueryOptions } from './client.js';
+export { DynamoPaymentsClient } from './client.js';
+export { InMemoryPaymentsClient } from './dev-client.js';
 
 export type {
   LookupByVendorInput,
@@ -23,19 +24,11 @@ export type {
   LookupByInvoiceOutput,
   LookupByCheckInput,
   LookupByCheckOutput,
-} from "./tools.js";
-export {
-  makeLookupByVendorTool,
-  makeLookupByInvoiceTool,
-  makeLookupByCheckTool,
-} from "./tools.js";
+} from './tools.js';
+export { makeLookupByVendorTool, makeLookupByInvoiceTool, makeLookupByCheckTool } from './tools.js';
 
-import type { PaymentsClient } from "./client.js";
-import {
-  makeLookupByVendorTool,
-  makeLookupByInvoiceTool,
-  makeLookupByCheckTool,
-} from "./tools.js";
+import type { PaymentsClient } from './client.js';
+import { makeLookupByVendorTool, makeLookupByInvoiceTool, makeLookupByCheckTool } from './tools.js';
 
 /**
  * Build the full payments tool array for a given client.

packages/payments/src/tools.ts

@@ -17,9 +17,9 @@
  * that must remain authoritative even after the middleware is in place.
  */
 
-import { defineTool, requireScope, redact, maskValue } from "@sh-mcp/shared";
-import type { AuthContext } from "@sh-mcp/shared";
-import type { PaymentsClient, Payment } from "./client.js";
+import { defineTool, requireScope, redact, maskValue } from '@sh-mcp/shared';
+import type { AuthContext } from '@sh-mcp/shared';
+import type { PaymentsClient, Payment } from './client.js';
 
 // ---------------------------------------------------------------------------
 // Shared output shaping
@@ -68,39 +68,35 @@ export interface LookupByVendorOutput {
 
 export function makeLookupByVendorTool(client: PaymentsClient) {
   return defineTool<LookupByVendorInput, LookupByVendorOutput>({
-    name: "lookup_payment_by_vendor",
+    name: 'lookup_payment_by_vendor',
     description:
-      "Look up PaymentsDashboard records for a given vendor name. " +
-      "Returns cleared, pending, voided, and failed payments. " +
-      "Sensitive bank, routing, and card fields are masked in the response.",
-    tier: "finance",
-    requiredScope: "finance:read",
+      'Look up PaymentsDashboard records for a given vendor name. ' +
+      'Returns cleared, pending, voided, and failed payments. ' +
+      'Sensitive bank, routing, and card fields are masked in the response.',
+    tier: 'finance',
+    requiredScope: 'finance:read',
     inputSchema: {
-      type: "object",
+      type: 'object',
       properties: {
         vendor: {
-          type: "string",
-          description:
-            "Vendor name to search for (case-insensitive prefix match).",
+          type: 'string',
+          description: 'Vendor name to search for (case-insensitive prefix match).',
           minLength: 1,
           maxLength: 200,
         },
         limit: {
-          type: "integer",
-          description: "Maximum number of results to return (1–100). Defaults to 20.",
+          type: 'integer',
+          description: 'Maximum number of results to return (1–100). Defaults to 20.',
           minimum: 1,
           maximum: 100,
           default: 20,
         },
       },
-      required: ["vendor"],
+      required: ['vendor'],
       additionalProperties: false,
     },
-    async handler(
-      input: LookupByVendorInput,
-      ctx: AuthContext,
-    ): Promise<LookupByVendorOutput> {
-      requireScope(ctx, "finance:read");
+    async handler(input: LookupByVendorInput, ctx: AuthContext): Promise<LookupByVendorOutput> {
+      requireScope(ctx, 'finance:read');
 
       const limit = Math.min(input.limit ?? 20, 100);
       const payments = await client.getByVendor(input.vendor, { limit });
@@ -126,30 +122,27 @@ export interface LookupByInvoiceOutput {
 
 export function makeLookupByInvoiceTool(client: PaymentsClient) {
   return defineTool<LookupByInvoiceInput, LookupByInvoiceOutput>({
-    name: "lookup_payment_by_invoice",
+    name: 'lookup_payment_by_invoice',
     description:
-      "Look up a payment in PaymentsDashboard by invoice number. " +
-      "Sensitive bank, routing, and card fields are masked in the response.",
-    tier: "finance",
-    requiredScope: "finance:read",
+      'Look up a payment in PaymentsDashboard by invoice number. ' +
+      'Sensitive bank, routing, and card fields are masked in the response.',
+    tier: 'finance',
+    requiredScope: 'finance:read',
     inputSchema: {
-      type: "object",
+      type: 'object',
       properties: {
         invoiceNumber: {
-          type: "string",
-          description: "The invoice number to look up (exact match).",
+          type: 'string',
+          description: 'The invoice number to look up (exact match).',
           minLength: 1,
           maxLength: 100,
         },
       },
-      required: ["invoiceNumber"],
+      required: ['invoiceNumber'],
       additionalProperties: false,
     },
-    async handler(
-      input: LookupByInvoiceInput,
-      ctx: AuthContext,
-    ): Promise<LookupByInvoiceOutput> {
-      requireScope(ctx, "finance:read");
+    async handler(input: LookupByInvoiceInput, ctx: AuthContext): Promise<LookupByInvoiceOutput> {
+      requireScope(ctx, 'finance:read');
 
       const payments = await client.getByInvoice(input.invoiceNumber);
       const redacted = payments.map(redactPayment);
@@ -174,30 +167,27 @@ export interface LookupByCheckOutput {
 
 export function makeLookupByCheckTool(client: PaymentsClient) {
   return defineTool<LookupByCheckInput, LookupByCheckOutput>({
-    name: "lookup_payment_by_check",
+    name: 'lookup_payment_by_check',
     description:
-      "Look up a payment in PaymentsDashboard by check number. " +
-      "Sensitive bank, routing, and card fields are masked in the response.",
-    tier: "finance",
-    requiredScope: "finance:read",
+      'Look up a payment in PaymentsDashboard by check number. ' +
+      'Sensitive bank, routing, and card fields are masked in the response.',
+    tier: 'finance',
+    requiredScope: 'finance:read',
     inputSchema: {
-      type: "object",
+      type: 'object',
       properties: {
         checkNumber: {
-          type: "string",
-          description: "The check number to look up (exact match).",
+          type: 'string',
+          description: 'The check number to look up (exact match).',
           minLength: 1,
           maxLength: 50,
         },
       },
-      required: ["checkNumber"],
+      required: ['checkNumber'],
       additionalProperties: false,
     },
-    async handler(
-      input: LookupByCheckInput,
-      ctx: AuthContext,
-    ): Promise<LookupByCheckOutput> {
-      requireScope(ctx, "finance:read");
+    async handler(input: LookupByCheckInput, ctx: AuthContext): Promise<LookupByCheckOutput> {
+      requireScope(ctx, 'finance:read');
 
       const payments = await client.getByCheck(input.checkNumber);
       const redacted = payments.map(redactPayment);

packages/payments/tsconfig.json

@@ -1,7 +1,7 @@
 {
   "extends": "../../tsconfig.base.json",
   "compilerOptions": {
-    "rootDir": ".",
+    "rootDir": "src",
     "outDir": "./dist",
     "declarationDir": "./dist"
   },

packages/qbo/src/dev-client.ts

@@ -0,0 +1,63 @@
+/**
+ * InMemoryQboClient — deterministic in-memory QboClientInterface for dev.
+ *
+ * Holds a few FAKE QBO vendor records in memory. Each carries a fabricated
+ * taxId so the redaction egress path has a sensitive target to mask before a
+ * response leaves the server. Filters by case-insensitive substring on
+ * displayName and respects maxResults. No OAuth, no network.
+ *
+ * This is for build-plan §4 "in-memory dev clients (tools return real data
+ * locally)".
+ */
+
+import type {
+  QboClientInterface,
+  QboVendor,
+  SearchVendorsParams,
+  SearchVendorsResult,
+} from './client.js';
+
+const SEED_VENDORS: QboVendor[] = [
+  {
+    id: '101',
+    displayName: 'Harbor Electric Co.',
+    email: 'ap@harborelectric.example',
+    phone: '(631) 555-0142',
+    active: true,
+    balance: 0,
+    taxId: '12-3456789',
+  },
+  {
+    id: '102',
+    displayName: 'Coastal Supply & Hardware',
+    email: 'billing@coastalsupply.example',
+    phone: '(631) 555-0188',
+    active: true,
+    balance: 1842.5,
+    taxId: '98-7654321',
+  },
+  {
+    id: '103',
+    displayName: 'Tidewater Plumbing LLC',
+    phone: '(631) 555-0123',
+    active: false,
+    balance: 0,
+    taxId: '45-6789012',
+  },
+];
+
+/** In-memory QboClientInterface seeded with fake vendors (taxId populated). */
+export class InMemoryQboClient implements QboClientInterface {
+  async searchVendors(params: SearchVendorsParams): Promise<SearchVendorsResult> {
+    const needle = params.query.trim().toLowerCase();
+    const matched =
+      needle.length === 0
+        ? SEED_VENDORS
+        : SEED_VENDORS.filter((v) => v.displayName.toLowerCase().includes(needle));
+    const limit = params.maxResults ?? 20;
+    return {
+      vendors: matched.slice(0, limit),
+      totalCount: matched.length,
+    };
+  }
+}

packages/qbo/src/index.ts

@@ -11,18 +11,32 @@
 
 export { makeSearchVendorsTool } from './tools.js';
 export type { SearchVendorsInput, SearchVendorsOutput, VendorRecord } from './tools.js';
-export type { QboClientInterface, QboVendor, SearchVendorsParams, SearchVendorsResult } from './client.js';
+export type {
+  QboClientInterface,
+  QboVendor,
+  SearchVendorsParams,
+  SearchVendorsResult,
+} from './client.js';
 export { QboClientImpl, QboApiError, QboThrottleError } from './client.js';
+export { InMemoryQboClient } from './dev-client.js';
 
 import { makeSearchVendorsTool } from './tools.js';
 import { QboClientImpl } from './client.js';
+import type { ToolDef } from '@sh-mcp/shared';
+
+let _defaultTools: ToolDef<unknown, unknown>[] | undefined;
 
 /**
- * Default tools array wired with QboClientImpl.
+ * Build (once) the default tools wired with QboClientImpl.
  *
- * NOTE: QboClientImpl.searchVendors is stubbed (throws NotImplementedError)
- * until the real OAuth/Secrets Manager integration is built (see client.ts
- * TODO). For production use, instantiate QboClientImpl only after the
- * DEFERRED auth layer is in place, or inject your own QboClientInterface.
+ * LAZY by design (build-plan §7): construction is deferred to first call so
+ * importing `@sh-mcp/qbo` is side-effect-free. `QboClientImpl.searchVendors` is
+ * stubbed (throws) until the real OAuth/Secrets integration lands; servers wire
+ * via `makeSearchVendorsTool` with their selected client (dev vs real).
  */
-export const tools = [makeSearchVendorsTool(new QboClientImpl())];
+export function getDefaultTools(): ToolDef<unknown, unknown>[] {
+  if (!_defaultTools) {
+    _defaultTools = [makeSearchVendorsTool(new QboClientImpl()) as ToolDef<unknown, unknown>];
+  }
+  return _defaultTools;
+}

packages/qbo/src/tools.ts

@@ -49,8 +49,7 @@ const searchVendorsInputSchema = {
     query: {
       type: 'string',
       description:
-        'Search term matched against vendor display name. ' +
-        'Case-insensitive substring match.',
+        'Search term matched against vendor display name. ' + 'Case-insensitive substring match.',
       minLength: 1,
       maxLength: 200,
     },
@@ -93,10 +92,7 @@ export function makeSearchVendorsTool(client: QboClientInterface) {
     requiredScope: 'finance:read',
     inputSchema: searchVendorsInputSchema,
 
-    async handler(
-      input: SearchVendorsInput,
-      ctx: AuthContext,
-    ): Promise<SearchVendorsOutput> {
+    async handler(input: SearchVendorsInput, ctx: AuthContext): Promise<SearchVendorsOutput> {
       // Server-side scope enforcement — authoritative, not a UI hint.
       requireScope(ctx, 'finance:read');
 
@@ -112,9 +108,7 @@ export function makeSearchVendorsTool(client: QboClientInterface) {
         if (err instanceof QboThrottleError) {
           // Surface throttle detail so callers can back off.
           const waitHint =
-            err.retryAfterSeconds !== undefined
-              ? ` Retry after ${err.retryAfterSeconds}s.`
-              : '';
+            err.retryAfterSeconds !== undefined ? ` Retry after ${err.retryAfterSeconds}s.` : '';
           throw new Error(`QBO rate limit exceeded.${waitHint}`);
         }
         if (err instanceof QboApiError) {

packages/reminders/src/client.ts

@@ -62,11 +62,7 @@ export class AwsSchedulerClient implements SchedulerClient {
   private readonly _targetArn: string;
   private readonly _roleArn: string;
 
-  constructor(opts: {
-    region?: string;
-    targetArn: string;
-    roleArn: string;
-  }) {
+  constructor(opts: { region?: string; targetArn: string; roleArn: string }) {
     this._region = opts.region ?? process.env['AWS_REGION'] ?? 'us-east-1';
     this._targetArn = opts.targetArn;
     this._roleArn = opts.roleArn;
@@ -104,7 +100,7 @@ export class AwsSchedulerClient implements SchedulerClient {
     throw new Error(
       'AwsSchedulerClient.createSchedule: production AWS SDK call is not yet wired. ' +
         'Inject a SchedulerClient mock in tests, or complete the IAM cross-review and ' +
-        'uncomment the real SDK call before deploying.'
+        'uncomment the real SDK call before deploying.',
     );
   }
 }

packages/reminders/src/dev-client.ts

@@ -0,0 +1,25 @@
+/**
+ * InMemorySchedulerClient — deterministic in-memory SchedulerClient for dev.
+ *
+ * Records each createSchedule call in a public readonly `created` array (for
+ * testability) and returns a deterministic fake schedule ARN. No AWS, no
+ * network, no IAM.
+ *
+ * This is for build-plan §4 "in-memory dev clients (tools return real data
+ * locally)".
+ */
+
+import type { CreateScheduleInput, CreateScheduleOutput, SchedulerClient } from './client.js';
+
+/** In-memory SchedulerClient that fakes EventBridge schedule creation. */
+export class InMemorySchedulerClient implements SchedulerClient {
+  /** Every schedule input passed to createSchedule, in call order. */
+  public readonly created: CreateScheduleInput[] = [];
+
+  async createSchedule(input: CreateScheduleInput): Promise<CreateScheduleOutput> {
+    this.created.push(input);
+    return {
+      scheduleArn: `arn:aws:scheduler:us-east-1:000000000000:schedule/dev/${input.scheduleName}`,
+    };
+  }
+}

packages/reminders/src/index.ts

@@ -16,18 +16,29 @@ export { buildReminderTools } from './tools.js';
 export type { CreateReminderInput, CreateReminderOutput } from './tools.js';
 export type { SchedulerClient, CreateScheduleInput, CreateScheduleOutput } from './client.js';
 export { AwsSchedulerClient } from './client.js';
+export { InMemorySchedulerClient } from './dev-client.js';
 
 import { buildReminderTools } from './tools.js';
 import { AwsSchedulerClient } from './client.js';
 
+let _defaultTools: ReturnType<typeof buildReminderTools> | undefined;
+
 /**
- * Default tool array — uses the production AwsSchedulerClient.
- * The client's constructor does NOT call AWS; the call only happens in the handler.
- * Import at server startup only after CDK env vars are available.
+ * Build (once) the default tools wired to the production AwsSchedulerClient.
+ *
+ * LAZY by design (build-plan §7): construction is deferred to first call so
+ * importing `@sh-mcp/reminders` performs no work and reads no env at import
+ * time. Reads the scheduler env only when first invoked, by which point CDK
+ * env vars are present. Servers normally wire via `buildReminderTools` directly.
  */
-export const tools = buildReminderTools({
-  client: new AwsSchedulerClient({
-    targetArn: process.env['REMINDER_TARGET_ARN'] ?? '',
-    roleArn: process.env['SCHEDULER_ROLE_ARN'] ?? '',
-  }),
-});
+export function getDefaultTools(): ReturnType<typeof buildReminderTools> {
+  if (!_defaultTools) {
+    _defaultTools = buildReminderTools({
+      client: new AwsSchedulerClient({
+        targetArn: process.env['REMINDER_TARGET_ARN'] ?? '',
+        roleArn: process.env['SCHEDULER_ROLE_ARN'] ?? '',
+      }),
+    });
+  }
+  return _defaultTools;
+}

packages/reminders/src/tools.ts

@@ -78,7 +78,7 @@ export function buildReminderTools(deps: { client: SchedulerClient }) {
 
     handler: async (
       input: CreateReminderInput,
-      ctx: AuthContext
+      ctx: AuthContext,
     ): Promise<CreateReminderOutput> => {
       // Enforce the required scope server-side on every invocation.
       // requireScope throws ScopeError if the scope is missing.
@@ -93,18 +93,15 @@ export function buildReminderTools(deps: { client: SchedulerClient }) {
       if (isNaN(fireAt.getTime())) {
         throw new Error(
           `create_reminder: invalid remind_at value "${input.remind_at}". ` +
-            'Provide a valid ISO-8601 datetime string.'
+            'Provide a valid ISO-8601 datetime string.',
         );
       }
       if (fireAt.getTime() <= Date.now() + 60_000) {
-        throw new Error(
-          'create_reminder: remind_at must be at least 1 minute in the future.'
-        );
+        throw new Error('create_reminder: remind_at must be at least 1 minute in the future.');
       }
 
       // Resolve the recipient: default to calling user sub.
-      const recipient =
-        !input.recipient || input.recipient === 'me' ? ctx.sub : input.recipient;
+      const recipient = !input.recipient || input.recipient === 'me' ? ctx.sub : input.recipient;
 
       // Derive a safe, unique schedule name from the user sub + timestamp.
       // EventBridge schedule names: [a-zA-Z0-9_-], max 64 chars.

packages/shared/src/redact.ts

@@ -42,10 +42,7 @@ export const REDACTED = '[REDACTED]';
  */
 function redactSSN(value: string): string {
   // Canonical and spaced formats (unambiguous)
-  let result = value.replace(
-    /\b(\d{3})[- ](\d{2})[- ](\d{4})\b/g,
-    REDACTED,
-  );
+  let result = value.replace(/\b(\d{3})[- ](\d{2})[- ](\d{4})\b/g, REDACTED);
   // Bare 9-digit SSN preceded by an SSN keyword
   result = result.replace(
     /\b(ssn|social\s+security(?:\s+number)?|tax\s+id)\s*[:#]?\s*(\d{9})\b/gi,
@@ -71,10 +68,7 @@ function redactRouting(value: string): string {
     (_match, keyword) => `${keyword.trim()} ${REDACTED}`,
   );
   // Keyword AFTER the number: "021000021 (routing)"
-  result = result.replace(
-    /\b(\d{9})\s*\((routing|aba)\)/gi,
-    `${REDACTED} ($2)`,
-  );
+  result = result.replace(/\b(\d{9})\s*\((routing|aba)\)/gi, `${REDACTED} ($2)`);
   return result;
 }
 
@@ -116,15 +110,12 @@ function passesLuhn(digits: string): boolean {
 
 function redactCard(value: string): string {
   // Match 13–19 digits, optionally separated by spaces or hyphens in groups of 4.
-  return value.replace(
-    /\b(\d{4}[-\s]?\d{4}[-\s]?\d{4}[-\s]?\d{1,7}|\d{13,19})\b/g,
-    (match) => {
-      const digits = match.replace(/[\s-]/g, '');
-      if (digits.length < 13 || digits.length > 19) return match;
-      if (!passesLuhn(digits)) return match;
-      return REDACTED;
-    },
-  );
+  return value.replace(/\b(\d{4}[-\s]?\d{4}[-\s]?\d{4}[-\s]?\d{1,7}|\d{13,19})\b/g, (match) => {
+    const digits = match.replace(/[\s-]/g, '');
+    if (digits.length < 13 || digits.length > 19) return match;
+    if (!passesLuhn(digits)) return match;
+    return REDACTED;
+  });
 }
 
 // ---------------------------------------------------------------------------

packages/tasks/src/dev-client.ts

@@ -0,0 +1,111 @@
+/**
+ * InMemoryTasksClient — deterministic in-memory TasksClient for local dev.
+ *
+ * Holds tasks in memory partitioned by `sub` so a user only ever sees and
+ * mutates their own tasks (mirroring the real ABAC LeadingKeys boundary).
+ * Seeded with a couple of FAKE tasks. No AWS, no network.
+ *
+ * This is for build-plan §4 "in-memory dev clients (tools return real data
+ * locally)".
+ */
+
+import type {
+  CompleteTaskInput,
+  CreateTaskInput,
+  DeleteTaskInput,
+  ListTasksInput,
+  Task,
+  TasksClient,
+} from './client.js';
+
+function seedTasks(): Map<string, Task[]> {
+  return new Map<string, Task[]>([
+    [
+      'lauren@seahavenind.com',
+      [
+        {
+          taskId: 'task-0001',
+          sub: 'lauren@seahavenind.com',
+          title: 'Order replacement dock breakers',
+          description: 'Confirm 30A marine-grade rating before ordering.',
+          completed: false,
+          createdAt: '2026-06-20T08:00:00Z',
+        },
+        {
+          taskId: 'task-0002',
+          sub: 'lauren@seahavenind.com',
+          title: 'Send insurance cert to new vendor',
+          completed: true,
+          createdAt: '2026-06-18T09:30:00Z',
+          completedAt: '2026-06-19T10:15:00Z',
+        },
+      ],
+    ],
+    [
+      'adam@seahavenind.com',
+      [
+        {
+          taskId: 'task-0003',
+          sub: 'adam@seahavenind.com',
+          title: 'Review Q2 vendor balances in QBO',
+          completed: false,
+          createdAt: '2026-06-22T13:00:00Z',
+        },
+      ],
+    ],
+  ]);
+}
+
+/** In-memory TasksClient partitioned by sub. */
+export class InMemoryTasksClient implements TasksClient {
+  private readonly tasksBySub: Map<string, Task[]>;
+  private counter = 1000;
+
+  constructor() {
+    this.tasksBySub = seedTasks();
+  }
+
+  async createTask(input: CreateTaskInput): Promise<Task> {
+    const task: Task = {
+      taskId: `task-${(++this.counter).toString().padStart(4, '0')}`,
+      sub: input.sub,
+      title: input.title,
+      completed: false,
+      createdAt: new Date().toISOString(),
+    };
+    if (input.description !== undefined) {
+      task.description = input.description;
+    }
+    const list = this.tasksBySub.get(input.sub) ?? [];
+    list.push(task);
+    this.tasksBySub.set(input.sub, list);
+    return task;
+  }
+
+  async listTasks(input: ListTasksInput): Promise<Task[]> {
+    const list = this.tasksBySub.get(input.sub) ?? [];
+    if (input.includeCompleted === true) {
+      return [...list];
+    }
+    return list.filter((t) => !t.completed);
+  }
+
+  async completeTask(input: CompleteTaskInput): Promise<Task> {
+    const list = this.tasksBySub.get(input.sub) ?? [];
+    const task = list.find((t) => t.taskId === input.taskId);
+    if (!task) {
+      throw new Error(`Task ${input.taskId} not found for user ${input.sub}`);
+    }
+    task.completed = true;
+    task.completedAt = new Date().toISOString();
+    return task;
+  }
+
+  async deleteTask(input: DeleteTaskInput): Promise<void> {
+    const list = this.tasksBySub.get(input.sub) ?? [];
+    const idx = list.findIndex((t) => t.taskId === input.taskId);
+    if (idx !== -1) {
+      list.splice(idx, 1);
+    }
+  }
+}

packages/tasks/src/index.ts

@@ -11,23 +11,34 @@
  */
 
 export { buildTaskTools } from './tools.js';
-export type { TasksClient, Task, CreateTaskInput, ListTasksInput, CompleteTaskInput, DeleteTaskInput } from './client.js';
+export type {
+  TasksClient,
+  Task,
+  CreateTaskInput,
+  ListTasksInput,
+  CompleteTaskInput,
+  DeleteTaskInput,
+} from './client.js';
 export { DynamoDBTasksClient } from './client.js';
+export { InMemoryTasksClient } from './dev-client.js';
 
-// The `tools` export is the live array used by the MCP server at runtime.
-// It is constructed with the real DynamoDB client, which guard-throws in test
-// environments to ensure tests always go through buildTaskTools(mockClient).
+// LAZY default-tools accessor.
+//
+// Phase 1 (build-plan §7) forbids I/O / AWS-client construction at import time.
+// The previous eager `export const tools = buildTaskTools(new DynamoDBTasksClient())`
+// constructed a live DynamoDB client the moment the barrel was imported, which
+// broke server startup. Construction is now deferred to first call so importing
+// `@sh-mcp/tasks` is side-effect-free. Servers wire tools via `buildTaskTools`
+// with their selected client (dev vs real); this accessor is a convenience only.
 import { buildTaskTools } from './tools.js';
 import { DynamoDBTasksClient } from './client.js';
 
-// Only instantiate the real client outside of test environments.
-// In test environments, tests import buildTaskTools directly and inject a mock.
-const _client =
-  process.env['NODE_ENV'] === 'test'
-    ? null
-    : new DynamoDBTasksClient();
+let _defaultTools: ReturnType<typeof buildTaskTools> | undefined;
 
-export const tools =
-  _client !== null
-    ? buildTaskTools(_client)
-    : ([] as unknown as ReturnType<typeof buildTaskTools>);
+/** Build (once) the default tools wired to the real DynamoDB client. */
+export function getDefaultTools(): ReturnType<typeof buildTaskTools> {
+  if (!_defaultTools) {
+    _defaultTools = buildTaskTools(new DynamoDBTasksClient());
+  }
+  return _defaultTools;
+}

packages/tasks/src/tools.ts

@@ -26,7 +26,15 @@ export function buildTaskTools(client: TasksClient) {
   // -------------------------------------------------------------------------
   const createTask = defineTool<
     { title: string; description?: string },
-    { task: { taskId: string; title: string; description?: string; completed: boolean; createdAt: string } }
+    {
+      task: {
+        taskId: string;
+        title: string;
+        description?: string;
+        completed: boolean;
+        createdAt: string;
+      };
+    }
   >({
     name: 'create_task',
     description:
@@ -75,7 +83,16 @@ export function buildTaskTools(client: TasksClient) {
   // -------------------------------------------------------------------------
   const listTasks = defineTool<
     { includeCompleted?: boolean },
-    { tasks: Array<{ taskId: string; title: string; description?: string; completed: boolean; createdAt: string; completedAt?: string }> }
+    {
+      tasks: Array<{
+        taskId: string;
+        title: string;
+        description?: string;
+        completed: boolean;
+        createdAt: string;
+        completedAt?: string;
+      }>;
+    }
   >({
     name: 'list_tasks',
     description: