better heuristics on cash-like thingies

src/commands/audit.zig

@@ -75,8 +75,10 @@ const FidelityCol = struct {
     const symbol = 2;
     const description = 3;
     const quantity = 4;
+    const last_price = 5;
     const current_value = 7;
     const cost_basis_total = 13;
+    const avg_cost_basis = 14;
     const type_col = 15;
 };
 
@@ -130,7 +132,9 @@ pub fn parseFidelityCsv(allocator: std.mem.Allocator, data: []const u8) ![]Broke
         // Note: Fidelity's Type column says "Cash" vs "Margin" to indicate
         // the account settlement type, NOT that the security is cash.
         // Only the ** suffix reliably identifies money market / cash holdings.
-        const is_cash = std.mem.endsWith(u8, symbol_raw, "**");
+        // Also treat positions as cash when both price and cost basis are $1.00
+        // (e.g. FDRXX "FID GOV CASH RESERVE" — no ** suffix).
+        const is_cash = std.mem.endsWith(u8, symbol_raw, "**") or isUnitPriceCash(cols[FidelityCol.last_price], cols[FidelityCol.avg_cost_basis]);
 
         // Strip ** suffix from money market symbols for display
         const symbol_clean = if (std.mem.endsWith(u8, symbol_raw, "**"))
@@ -180,6 +184,14 @@ fn parseDollarAmount(raw: []const u8) ?f64 {
     return if (negative) -val else val;
 }
 
+/// Returns true when both the last price and average cost basis parse to exactly $1.00,
+/// indicating a money-market or cash-equivalent position (e.g. FDRXX).
+fn isUnitPriceCash(price_raw: []const u8, cost_raw: []const u8) bool {
+    const price = parseDollarAmount(price_raw) orelse return false;
+    const cost = parseDollarAmount(cost_raw) orelse return false;
+    return price == 1.0 and cost == 1.0;
+}
+
 // ── Schwab CSV parser ───────────────────────────────────────
 //
 // Parses the per-account positions CSV exported from Schwab's website
@@ -1293,6 +1305,22 @@ test "parseFidelityCsv basic" {
     try std.testing.expectApproxEqAbs(@as(f64, 10000.00), positions[1].cost_basis.?, 0.01);
 }
 
+test "parseFidelityCsv treats $1.00 price+cost as cash" {
+    const csv =
+        "Account Number,Account Name,Symbol,Description,Quantity,Last Price,Last Price Change,Current Value,Today's Gain/Loss Dollar,Today's Gain/Loss Percent,Total Gain/Loss Dollar,Total Gain/Loss Percent,Percent Of Account,Cost Basis Total,Average Cost Basis,Type\n" ++
+        "Z123,Individual,FDRXX,FID GOV CASH RESERVE,8500,$1.00,,$8500.00,,,,,10%,$8500.00,$1.00,Cash,\n";
+
+    const allocator = std.testing.allocator;
+    const positions = try parseFidelityCsv(allocator, csv);
+    defer allocator.free(positions);
+
+    try std.testing.expectEqual(@as(usize, 1), positions.len);
+    try std.testing.expectEqualStrings("FDRXX", positions[0].symbol);
+    try std.testing.expect(positions[0].is_cash);
+    try std.testing.expect(positions[0].quantity == null);
+    try std.testing.expectApproxEqAbs(@as(f64, 8500.00), positions[0].current_value.?, 0.01);
+}
+
 test "parseFidelityCsv stops at blank line" {
     const csv =
         "Account Number,Account Name,Symbol,Description,Quantity,Last Price,Last Price Change,Current Value,Today's Gain/Loss Dollar,Today's Gain/Loss Percent,Total Gain/Loss Dollar,Total Gain/Loss Percent,Percent Of Account,Cost Basis Total,Average Cost Basis,Type\n" ++