diff --git a/src/analytics/analysis.zig b/src/analytics/analysis.zig
index b4ac84e..f703cad 100644
--- a/src/analytics/analysis.zig
+++ b/src/analytics/analysis.zig
@@ -41,6 +41,35 @@ pub const AccountTaxEntry = struct {
     tax_type: TaxType,
     institution: ?[]const u8 = null,
     account_number: ?[]const u8 = null,
+    update_cadence: UpdateCadence = .weekly,
+};
+
+/// Update cadence for manual account maintenance. Parsed from accounts.srf.
+/// Default is `weekly` (fail-open: every account nags until explicitly silenced).
+pub const UpdateCadence = enum {
+    weekly,
+    monthly,
+    quarterly,
+    none,
+
+    /// Number of calendar days before an account is considered overdue.
+    pub fn thresholdDays(self: UpdateCadence) ?u32 {
+        return switch (self) {
+            .weekly => 7,
+            .monthly => 30,
+            .quarterly => 90,
+            .none => null,
+        };
+    }
+
+    pub fn label(self: UpdateCadence) []const u8 {
+        return switch (self) {
+            .weekly => "weekly",
+            .monthly => "monthly",
+            .quarterly => "quarterly",
+            .none => "none",
+        };
+    }
 };
 
 /// Parsed account metadata.
@@ -117,6 +146,7 @@ pub fn parseAccountsFile(allocator: std.mem.Allocator, data: []const u8) !Accoun
             .tax_type = entry.tax_type,
             .institution = if (entry.institution) |s| try allocator.dupe(u8, s) else null,
             .account_number = if (entry.account_number) |s| try allocator.dupe(u8, s) else null,
+            .update_cadence = entry.update_cadence,
         });
     }
 
diff --git a/src/commands/audit.zig b/src/commands/audit.zig
index a60fcf4..e30c548 100644
--- a/src/commands/audit.zig
+++ b/src/commands/audit.zig
@@ -1400,12 +1400,664 @@ fn displayResults(results: []const AccountComparison, color: bool, out: *std.Io.
     try out.print("\n", .{});
 }
 
+// ── Hygiene check (flagless audit) ──────────────────────────
+
+/// Constants for hygiene check behavior. Kept as named constants for
+/// easy future tuning.
+const audit_file_max_age_hours = 24;
+const audit_file_max_size_non_csv = 512 * 1024; // 512KB, for non-CSV files only
+const default_stale_days: u32 = 3;
+const stale_warning_multiplier: u32 = 2; // yellow → red at 2× threshold
+
+/// Type of a discovered brokerage file.
+const BrokerFileKind = enum {
+    fidelity_csv,
+    schwab_csv,
+    schwab_summary,
+};
+
+/// A discovered brokerage file ready for reconciliation.
+const DiscoveredFile = struct {
+    path: []const u8,
+    kind: BrokerFileKind,
+    dir_label: []const u8, // e.g. "audit/" or "$ZFIN_AUDIT_FILES"
+};
+
+/// Detect the brokerage type from file contents by inspecting the first few lines.
+fn detectBrokerFileKind(data: []const u8) ?BrokerFileKind {
+    // Strip optional UTF-8 BOM
+    const content = if (data.len >= 3 and data[0] == 0xEF and data[1] == 0xBB and data[2] == 0xBF)
+        data[3..]
+    else
+        data;
+
+    // Fidelity CSV: first line starts with "Account Number" or "Account Name"
+    if (std.mem.startsWith(u8, content, "Account Number") or
+        std.mem.startsWith(u8, content, "Account Name"))
+        return .fidelity_csv;
+
+    // Schwab per-account CSV: starts with a quoted title line like "Positions for ..."
+    if (std.mem.startsWith(u8, content, "\"Positions for")) return .schwab_csv;
+
+    // Schwab summary: contains "Account number ending in" pattern
+    const peek = content[0..@min(content.len, 4096)];
+    if (std.mem.indexOf(u8, peek, "Account number ending in") != null) return .schwab_summary;
+    // Also match by account type labels + dollar amounts
+    if ((std.mem.indexOf(u8, peek, "Brokerage") != null or
+        std.mem.indexOf(u8, peek, "Roth IRA") != null or
+        std.mem.indexOf(u8, peek, "Traditional IRA") != null or
+        std.mem.indexOf(u8, peek, "Rollover IRA") != null) and
+        std.mem.indexOf(u8, peek, "$") != null)
+    {
+        return .schwab_summary;
+    }
+
+    return null;
+}
+
+/// Discover brokerage files in a directory. Filters by recency (< 24h)
+/// and applies size limits for non-CSV files.
+fn discoverBrokerFiles(
+    allocator: std.mem.Allocator,
+    dir_path: []const u8,
+    dir_label: []const u8,
+) ![]DiscoveredFile {
+    var results = std.ArrayList(DiscoveredFile).empty;
+    defer results.deinit(allocator);
+
+    var dir = std.fs.cwd().openDir(dir_path, .{ .iterate = true }) catch return try results.toOwnedSlice(allocator);
+    defer dir.close();
+
+    const now_ts = std.time.timestamp();
+    const max_age_s: i128 = audit_file_max_age_hours * 3600;
+
+    var it = dir.iterate();
+    while (try it.next()) |entry| {
+        if (entry.kind != .file) continue;
+
+        // Check file modification time
+        const stat = dir.statFile(entry.name) catch continue;
+        const mtime_s: i128 = @divFloor(stat.mtime, std.time.ns_per_s);
+        const age_s = now_ts - mtime_s;
+        if (age_s > max_age_s) continue;
+
+        // Check if it's a CSV (no size limit) or non-CSV (size limit applies)
+        const is_csv = std.mem.endsWith(u8, entry.name, ".csv") or std.mem.endsWith(u8, entry.name, ".CSV");
+        if (!is_csv and stat.size > audit_file_max_size_non_csv) continue;
+
+        // Read and detect content type
+        const data = dir.readFileAlloc(allocator, entry.name, 10 * 1024 * 1024) catch continue;
+        defer allocator.free(data);
+
+        const kind = detectBrokerFileKind(data) orelse continue;
+        const full_path = std.fs.path.join(allocator, &.{ dir_path, entry.name }) catch continue;
+        try results.append(allocator, .{
+            .path = full_path,
+            .kind = kind,
+            .dir_label = dir_label,
+        });
+    }
+
+    return results.toOwnedSlice(allocator);
+}
+
+/// Compute which accounts have been modified between two parsed portfolios.
+/// Returns a set of account names that have any lot-level differences.
+/// Compares by serializing each lot to a canonical string per account,
+/// sorting, and checking for equality. Simple and robust -- any field
+/// change in a lot produces a different string.
+fn findModifiedAccounts(
+    allocator: std.mem.Allocator,
+    old_portfolio: zfin.Portfolio,
+    new_portfolio: zfin.Portfolio,
+) !std.StringHashMap(void) {
+    var modified = std.StringHashMap(void).init(allocator);
+    errdefer modified.deinit();
+
+    // Collect serialized lot strings grouped by account
+    var old_accts = std.StringHashMap(std.ArrayList([]const u8)).init(allocator);
+    defer {
+        var it = old_accts.valueIterator();
+        while (it.next()) |v| {
+            for (v.items) |s| allocator.free(s);
+            v.deinit(allocator);
+        }
+        old_accts.deinit();
+    }
+    var new_accts = std.StringHashMap(std.ArrayList([]const u8)).init(allocator);
+    defer {
+        var it = new_accts.valueIterator();
+        while (it.next()) |v| {
+            for (v.items) |s| allocator.free(s);
+            v.deinit(allocator);
+        }
+        new_accts.deinit();
+    }
+
+    for (old_portfolio.lots) |lot| {
+        const acct = lot.account orelse continue;
+        const entry = try old_accts.getOrPut(acct);
+        if (!entry.found_existing) entry.value_ptr.* = std.ArrayList([]const u8).empty;
+        try entry.value_ptr.append(allocator, try lotToString(allocator, lot));
+    }
+    for (new_portfolio.lots) |lot| {
+        const acct = lot.account orelse continue;
+        const entry = try new_accts.getOrPut(acct);
+        if (!entry.found_existing) entry.value_ptr.* = std.ArrayList([]const u8).empty;
+        try entry.value_ptr.append(allocator, try lotToString(allocator, lot));
+    }
+
+    // Compare per account: sort both lists, then check equality
+    var all = std.StringHashMap(void).init(allocator);
+    defer all.deinit();
+    {
+        var it = old_accts.keyIterator();
+        while (it.next()) |k| try all.put(k.*, {});
+    }
+    {
+        var it = new_accts.keyIterator();
+        while (it.next()) |k| try all.put(k.*, {});
+    }
+
+    var acct_it = all.keyIterator();
+    while (acct_it.next()) |acct_key| {
+        const acct = acct_key.*;
+        const old_ptr = old_accts.getPtr(acct);
+        const new_ptr = new_accts.getPtr(acct);
+        const old_len = if (old_ptr) |p| p.items.len else 0;
+        const new_len = if (new_ptr) |p| p.items.len else 0;
+
+        if (old_len != new_len) {
+            try modified.put(acct, {});
+            continue;
+        }
+        if (old_len == 0) continue;
+
+        const old_items = old_ptr.?.items;
+        const new_items = new_ptr.?.items;
+        std.mem.sort([]const u8, old_items, {}, strLessThan);
+        std.mem.sort([]const u8, new_items, {}, strLessThan);
+
+        var differs = false;
+        for (old_items, new_items) |a, b| {
+            if (!std.mem.eql(u8, a, b)) {
+                differs = true;
+                break;
+            }
+        }
+        if (differs) try modified.put(acct, {});
+    }
+
+    return modified;
+}
+
+fn strLessThan(_: void, a: []const u8, b: []const u8) bool {
+    return std.mem.order(u8, a, b) == .lt;
+}
+
+const srf = @import("srf");
+
+/// Serialize a lot to a canonical SRF string for comparison.
+/// Uses the SRF serializer with comptime reflection, so any new
+/// field added to Lot is automatically included.
+fn lotToString(allocator: std.mem.Allocator, lot: portfolio_mod.Lot) ![]const u8 {
+    const lots = [_]portfolio_mod.Lot{lot};
+    return std.fmt.allocPrint(allocator, "{f}", .{srf.fmtFrom(portfolio_mod.Lot, allocator, &lots, .{ .emit_directives = false })});
+}
+
+/// Staleness color based on age vs threshold.
+/// Returns CLR_MUTED for within threshold, warning for 1-2x, negative for >2x.
+fn stalenessColor(age_days: i32, threshold: u32) [3]u8 {
+    const t: i32 = @intCast(threshold);
+    if (age_days <= t) return cli.CLR_MUTED;
+    if (age_days <= t * @as(i32, stale_warning_multiplier)) return cli.CLR_WARNING;
+    return cli.CLR_NEGATIVE;
+}
+
+/// Run the flagless portfolio hygiene check.
+fn runHygieneCheck(
+    allocator: std.mem.Allocator,
+    svc: *zfin.DataService,
+    portfolio_path: []const u8,
+    stale_days: u32,
+    verbose: bool,
+    color: bool,
+    out: *std.Io.Writer,
+) !void {
+    // Load portfolio
+    const pf_data = std.fs.cwd().readFileAlloc(allocator, portfolio_path, 10 * 1024 * 1024) catch {
+        try cli.stderrPrint("Error: Cannot read portfolio file\n");
+        return;
+    };
+    defer allocator.free(pf_data);
+
+    var portfolio = zfin.cache.deserializePortfolio(allocator, pf_data) catch {
+        try cli.stderrPrint("Error: Cannot parse portfolio file\n");
+        return;
+    };
+    defer portfolio.deinit();
+
+    // Load accounts.srf
+    var account_map = svc.loadAccountMap(portfolio_path) orelse {
+        try cli.stderrPrint("Error: Cannot read/parse accounts.srf (needed for account mapping)\n");
+        return;
+    };
+    defer account_map.deinit();
+
+    try cli.setBold(out, color);
+    try out.print("  Portfolio hygiene\n", .{});
+    try cli.reset(out, color);
+
+    // ── Section 1: Stale manual prices ──
+
+    const today = fmt.todayDate();
+    var stale_count: usize = 0;
+
+    // Collect and display stale manual prices
+    {
+        var header_shown = false;
+        for (portfolio.lots) |lot| {
+            if (lot.price == null) continue;
+            const pd = lot.price_date orelse continue;
+            const age_days = today.days - pd.days;
+            const threshold: i32 = @intCast(stale_days);
+            if (age_days <= threshold) continue;
+
+            if (!header_shown) {
+                try out.print("\n", .{});
+                try cli.setFg(out, color, cli.CLR_MUTED);
+                try out.print("  Stale manual prices (>{d} days — --stale-days to configure)\n", .{stale_days});
+                try cli.reset(out, color);
+                header_shown = true;
+            }
+
+            stale_count += 1;
+            var date_buf: [10]u8 = undefined;
+            const date_str = pd.format(&date_buf);
+            const note_display = lot.note orelse "";
+            var price_buf: [24]u8 = undefined;
+            const price_str = fmt.fmtMoneyAbs(&price_buf, lot.price.?);
+
+            try out.print("    {s:<16} {s:<16} {s:>10}   {s}  ", .{
+                lot.symbol,
+                note_display,
+                price_str,
+                date_str,
+            });
+            const clr = stalenessColor(age_days, stale_days);
+            try cli.setFg(out, color, clr);
+            try out.print("({d} days)\n", .{@as(u32, @intCast(age_days))});
+            try cli.reset(out, color);
+        }
+        if (!header_shown) {
+            try out.print("\n", .{});
+            try cli.setFg(out, color, cli.CLR_MUTED);
+            try out.print("  Stale manual prices (>{d} days)\n", .{stale_days});
+            try cli.reset(out, color);
+            try cli.setFg(out, color, cli.CLR_POSITIVE);
+            try out.print("    (none)\n", .{});
+            try cli.reset(out, color);
+        }
+    }
+
+    // ── Section 2: Account cadence check ──
+    {
+        // Try to get committed version via git
+        const git = @import("../git.zig");
+        const repo_info: ?git.RepoInfo = git.findRepo(allocator, portfolio_path) catch null;
+        defer if (repo_info) |ri| {
+            allocator.free(ri.root);
+            allocator.free(ri.rel_path);
+        };
+
+        // Parse committed portfolio for diff (working copy vs HEAD)
+        var committed_portfolio: ?zfin.Portfolio = null;
+        defer if (committed_portfolio) |*cp| cp.deinit();
+
+        var committed_data: ?[]const u8 = null;
+        defer if (committed_data) |d| allocator.free(d);
+
+        if (repo_info) |ri| {
+            committed_data = git.show(allocator, ri.root, "HEAD", ri.rel_path) catch null;
+            if (committed_data) |cd| {
+                committed_portfolio = zfin.cache.deserializePortfolio(allocator, cd) catch null;
+            }
+        }
+
+        // Find accounts modified in working copy (uncommitted changes)
+        var working_copy_modified = std.StringHashMap(void).init(allocator);
+        defer working_copy_modified.deinit();
+
+        if (committed_portfolio) |cp| {
+            working_copy_modified = findModifiedAccounts(allocator, cp, portfolio) catch std.StringHashMap(void).init(allocator);
+        }
+
+        // Collect all unique account names from working copy portfolio
+        // (these pointers are stable for the lifetime of the function)
+        var all_accounts = std.StringHashMap(void).init(allocator);
+        defer all_accounts.deinit();
+        for (portfolio.lots) |lot| {
+            if (lot.account) |acct| {
+                all_accounts.put(acct, {}) catch {};
+            }
+        }
+
+        // Find last update time for each account via git history.
+        // Walk commits newest-to-oldest, diffing adjacent pairs to find
+        // which accounts changed. Use working-copy account names as keys
+        // (stable lifetime) rather than historical portfolio strings.
+        // Only walk back far enough to hit red status (2× max cadence).
+        var last_update_ts = std.StringHashMap(i64).init(allocator);
+        defer last_update_ts.deinit();
+
+        if (repo_info) |ri| {
+            // Compute the furthest we need to look back: 2× the max cadence
+            var max_threshold: u32 = 14; // 2× weekly default
+            for (account_map.entries) |entry| {
+                if (entry.update_cadence.thresholdDays()) |td| {
+                    const red = td * stale_warning_multiplier;
+                    if (red > max_threshold) max_threshold = red;
+                }
+            }
+            var since_buf: [32]u8 = undefined;
+            const since = std.fmt.bufPrint(&since_buf, "{d} days ago", .{max_threshold}) catch "30 days ago";
+
+            const commits = git.listCommitsTouching(allocator, ri.root, ri.rel_path, since) catch &.{};
+            defer git.freeCommitTouches(allocator, commits);
+
+            var prev_data: ?[]const u8 = null;
+            defer if (prev_data) |pd| allocator.free(pd);
+
+            for (commits, 0..) |ct, ci| {
+                // Stop early if every account already has a timestamp
+                if (last_update_ts.count() >= all_accounts.count()) break;
+
+                const rev_data = git.show(allocator, ri.root, ct.commit, ri.rel_path) catch continue;
+
+                if (ci > 0) {
+                    if (prev_data) |pd| {
+                        // rev_data is older, pd is newer (commits are newest-first)
+                        var old_pf = zfin.cache.deserializePortfolio(allocator, rev_data) catch {
+                            allocator.free(rev_data);
+                            continue;
+                        };
+                        defer old_pf.deinit();
+                        var new_pf = zfin.cache.deserializePortfolio(allocator, pd) catch continue;
+                        defer new_pf.deinit();
+
+                        var mods = findModifiedAccounts(allocator, old_pf, new_pf) catch continue;
+                        defer mods.deinit();
+
+                        // The newer commit's timestamp is when these accounts were updated
+                        const update_ts = commits[ci - 1].timestamp;
+
+                        // Match against stable working-copy account names
+                        var acct_iter = all_accounts.keyIterator();
+                        while (acct_iter.next()) |stable_name| {
+                            if (last_update_ts.contains(stable_name.*)) continue;
+                            if (mods.contains(stable_name.*)) {
+                                last_update_ts.put(stable_name.*, update_ts) catch {};
+                            }
+                        }
+                    }
+                }
+
+                if (prev_data) |pd| allocator.free(pd);
+                prev_data = rev_data;
+            }
+        }
+
+        // Display overdue accounts
+        var overdue_header_shown = false;
+        var updated_accounts = std.ArrayList([]const u8).empty;
+        defer updated_accounts.deinit(allocator);
+
+        // Check accounts updated in working copy
+        var wc_it = working_copy_modified.keyIterator();
+        while (wc_it.next()) |key| {
+            try updated_accounts.append(allocator, key.*);
+        }
+
+        // Check overdue accounts
+        var acct_it = all_accounts.keyIterator();
+        while (acct_it.next()) |acct_key| {
+            const acct_name = acct_key.*;
+
+            // Skip if already updated in working copy
+            if (working_copy_modified.contains(acct_name)) continue;
+
+            // Look up cadence from accounts.srf
+            var cadence = analysis.UpdateCadence.weekly; // default
+            for (account_map.entries) |entry| {
+                if (std.mem.eql(u8, entry.account, acct_name)) {
+                    cadence = entry.update_cadence;
+                    break;
+                }
+            }
+
+            const threshold_days = cadence.thresholdDays() orelse continue; // skip 'none'
+
+            // Find last update time
+            const now_ts = std.time.timestamp();
+            var age_days: ?i32 = null;
+            if (last_update_ts.get(acct_name)) |ts| {
+                const age_s = now_ts - ts;
+                age_days = @intCast(@divFloor(age_s, std.time.s_per_day));
+            }
+
+            // If we have no git history for this account, it's definitely overdue
+            const days = age_days orelse @as(i32, @intCast(threshold_days + 1));
+            if (days <= @as(i32, @intCast(threshold_days))) continue;
+
+            if (!overdue_header_shown) {
+                try out.print("\n", .{});
+                try cli.setFg(out, color, cli.CLR_MUTED);
+                try out.print("  Accounts overdue for update (weekly default — set update_cadence in accounts.srf)\n", .{});
+                try cli.reset(out, color);
+                overdue_header_shown = true;
+            }
+
+            try out.print("    {s:<32} {s:<10}", .{ acct_name, cadence.label() });
+            if (age_days) |ad| {
+                const clr = stalenessColor(ad, threshold_days);
+                try cli.setFg(out, color, clr);
+                try out.print("last updated {d} days ago\n", .{@as(u32, @intCast(ad))});
+            } else {
+                try cli.setFg(out, color, cli.CLR_NEGATIVE);
+                try out.print("no update history found\n", .{});
+            }
+            try cli.reset(out, color);
+        }
+
+        // Display accounts updated in working copy
+        if (updated_accounts.items.len > 0) {
+            try out.print("\n", .{});
+            try cli.setFg(out, color, cli.CLR_MUTED);
+            try out.print("  Accounts updated (working copy)\n", .{});
+            try cli.reset(out, color);
+            for (updated_accounts.items) |acct| {
+                try cli.setFg(out, color, cli.CLR_POSITIVE);
+                try out.print("    {s}\n", .{acct});
+                try cli.reset(out, color);
+            }
+        }
+    }
+
+    // ── Section 3: Discover brokerage files ──
+
+    // Resolve audit directories
+    const portfolio_dir = std.fs.path.dirnamePosix(portfolio_path) orelse ".";
+
+    var all_files = std.ArrayList(DiscoveredFile).empty;
+    defer {
+        for (all_files.items) |f| allocator.free(f.path);
+        all_files.deinit(allocator);
+    }
+
+    // Check $ZFIN_AUDIT_FILES first
+    const env_audit_dir = std.posix.getenv("ZFIN_AUDIT_FILES");
+    if (env_audit_dir) |edir| {
+        const env_files = try discoverBrokerFiles(allocator, edir, "$ZFIN_AUDIT_FILES");
+        defer allocator.free(env_files);
+        for (env_files) |f| try all_files.append(allocator, f);
+    }
+
+    // Then check {portfolio_dir}/audit/
+    const default_audit_dir = std.fs.path.join(allocator, &.{ portfolio_dir, "audit" }) catch null;
+    defer if (default_audit_dir) |d| allocator.free(d);
+
+    if (default_audit_dir) |adir| {
+        const dir_files = try discoverBrokerFiles(allocator, adir, "audit/");
+        defer allocator.free(dir_files);
+        for (dir_files) |f| try all_files.append(allocator, f);
+    }
+
+    // Display discovered files
+    if (all_files.items.len > 0) {
+        try out.print("\n", .{});
+        try cli.setFg(out, color, cli.CLR_MUTED);
+        try out.print("  Brokerage files (last {d} hours)\n", .{audit_file_max_age_hours});
+        try cli.reset(out, color);
+        for (all_files.items) |f| {
+            const kind_label: []const u8 = switch (f.kind) {
+                .fidelity_csv => "fidelity",
+                .schwab_csv => "schwab csv",
+                .schwab_summary => "schwab summary",
+            };
+            try out.print("    {s:<52} {s}\n", .{ f.path, kind_label });
+        }
+    }
+
+    // ── Section 4: Auto-reconcile discovered files ──
+
+    if (all_files.items.len > 0) {
+        // Build prices map (shared by all reconciliations)
+        var prices = std.StringHashMap(f64).init(allocator);
+        defer prices.deinit();
+        {
+            const pos_syms = try portfolio.stockSymbols(allocator);
+            defer allocator.free(pos_syms);
+            if (pos_syms.len > 0) {
+                var load_result = cli.loadPortfolioPrices(svc, pos_syms, &.{}, false, color);
+                defer load_result.deinit();
+                var pit = load_result.prices.iterator();
+                while (pit.next()) |entry| {
+                    try prices.put(entry.key_ptr.*, entry.value_ptr.*);
+                }
+            }
+            for (portfolio.lots) |lot| {
+                if (lot.price) |p| {
+                    if (!prices.contains(lot.priceSymbol())) {
+                        try prices.put(lot.priceSymbol(), lot.effectivePrice(p, false));
+                    }
+                }
+            }
+        }
+
+        try out.print("\n", .{});
+        try cli.setBold(out, color);
+        try out.print("  Reconciliation\n", .{});
+        try cli.reset(out, color);
+
+        for (all_files.items) |f| {
+            const file_data = std.fs.cwd().readFileAlloc(allocator, f.path, 10 * 1024 * 1024) catch continue;
+            defer allocator.free(file_data);
+
+            switch (f.kind) {
+                .schwab_summary => {
+                    const schwab_accounts = parseSchwabSummary(allocator, file_data) catch continue;
+                    defer allocator.free(schwab_accounts);
+
+                    const results = compareSchwabSummary(allocator, portfolio, schwab_accounts, account_map, prices) catch continue;
+                    defer allocator.free(results);
+
+                    if (verbose or hasSchwabDiscrepancies(results)) {
+                        try out.print("\n", .{});
+                        try displaySchwabResults(results, color, out);
+                    } else {
+                        var acct_count: usize = 0;
+                        for (results) |r| {
+                            if (r.account_name.len > 0) acct_count += 1;
+                        }
+                        try cli.setFg(out, color, cli.CLR_POSITIVE);
+                        try out.print("    schwab summary: {d} accounts, no discrepancies\n", .{acct_count});
+                        try cli.reset(out, color);
+                    }
+                },
+                .fidelity_csv => {
+                    const brokerage_positions = parseFidelityCsv(allocator, file_data) catch continue;
+                    defer allocator.free(brokerage_positions);
+
+                    const results = compareAccounts(allocator, portfolio, brokerage_positions, account_map, "fidelity", prices) catch continue;
+                    defer {
+                        for (results) |r| allocator.free(r.comparisons);
+                        allocator.free(results);
+                    }
+
+                    if (verbose or hasAccountDiscrepancies(results)) {
+                        try out.print("\n", .{});
+                        try displayResults(results, color, out);
+                        try displayRatioSuggestions(results, portfolio, prices, color, out);
+                    } else {
+                        try cli.setFg(out, color, cli.CLR_POSITIVE);
+                        try out.print("    fidelity: {d} accounts, no discrepancies\n", .{results.len});
+                        try cli.reset(out, color);
+                        // Always show ratio suggestions even in compact mode
+                        try displayRatioSuggestions(results, portfolio, prices, color, out);
+                    }
+                },
+                .schwab_csv => {
+                    const parsed = parseSchwabCsv(allocator, file_data) catch continue;
+                    defer allocator.free(parsed.positions);
+
+                    const results = compareAccounts(allocator, portfolio, parsed.positions, account_map, "schwab", prices) catch continue;
+                    defer {
+                        for (results) |r| allocator.free(r.comparisons);
+                        allocator.free(results);
+                    }
+
+                    if (verbose or hasAccountDiscrepancies(results)) {
+                        try out.print("\n", .{});
+                        try displayResults(results, color, out);
+                        try displayRatioSuggestions(results, portfolio, prices, color, out);
+                    } else {
+                        try cli.setFg(out, color, cli.CLR_POSITIVE);
+                        try out.print("    schwab: {d} accounts, no discrepancies\n", .{results.len});
+                        try cli.reset(out, color);
+                        try displayRatioSuggestions(results, portfolio, prices, color, out);
+                    }
+                },
+            }
+        }
+    }
+
+    try out.print("\n", .{});
+}
+
+/// Check if any Schwab summary results have discrepancies.
+fn hasSchwabDiscrepancies(results: []const SchwabAccountComparison) bool {
+    for (results) |r| {
+        if (r.has_discrepancy) return true;
+    }
+    return false;
+}
+
+/// Check if any account comparison results have discrepancies.
+fn hasAccountDiscrepancies(results: []const AccountComparison) bool {
+    for (results) |r| {
+        if (r.has_discrepancies) return true;
+    }
+    return false;
+}
+
 // ── CLI entry point ─────────────────────────────────────────
 
 pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, portfolio_path: []const u8, args: []const []const u8, color: bool, out: *std.Io.Writer) !void {
     var fidelity_csv: ?[]const u8 = null;
     var schwab_csv: ?[]const u8 = null;
     var schwab_summary = false;
+    var verbose = false;
+    var stale_days: u32 = default_stale_days;
 
     var i: usize = 0;
     while (i < args.len) : (i += 1) {
@@ -1417,19 +2069,17 @@ pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, portfolio_path:
             schwab_csv = args[i];
         } else if (std.mem.eql(u8, args[i], "--schwab-summary")) {
             schwab_summary = true;
+        } else if (std.mem.eql(u8, args[i], "--verbose")) {
+            verbose = true;
+        } else if (std.mem.eql(u8, args[i], "--stale-days") and i + 1 < args.len) {
+            i += 1;
+            stale_days = std.fmt.parseInt(u32, args[i], 10) catch default_stale_days;
         }
     }
 
+    // Flagless mode: run portfolio hygiene check
     if (fidelity_csv == null and schwab_csv == null and !schwab_summary) {
-        try cli.stderrPrint(
-            \\Usage: zfin [-p <portfolio.srf>] audit [options]
-            \\
-            \\  --fidelity <csv>     Fidelity positions CSV export
-            \\  --schwab <csv>       Schwab per-account positions CSV export
-            \\  --schwab-summary     Schwab account summary (paste to stdin, Ctrl+D to end)
-            \\
-        );
-        return;
+        return runHygieneCheck(allocator, svc, portfolio_path, stale_days, verbose, color, out);
     }
 
     // Load portfolio
@@ -2045,3 +2695,297 @@ test "option delta tracking in compareAccounts" {
     }
     try std.testing.expect(found_option);
 }
+
+test "detectBrokerFileKind: fidelity csv" {
+    const fidelity_header = "Account Number,Account Name,Symbol,Description";
+    try std.testing.expectEqual(BrokerFileKind.fidelity_csv, detectBrokerFileKind(fidelity_header).?);
+}
+
+test "detectBrokerFileKind: fidelity csv with BOM" {
+    const fidelity_bom = "\xEF\xBB\xBFAccount Number,Account Name,Symbol";
+    try std.testing.expectEqual(BrokerFileKind.fidelity_csv, detectBrokerFileKind(fidelity_bom).?);
+}
+
+test "detectBrokerFileKind: schwab csv" {
+    const schwab_header = "\"Positions for account Roth IRA ...716 as of\"";
+    try std.testing.expectEqual(BrokerFileKind.schwab_csv, detectBrokerFileKind(schwab_header).?);
+}
+
+test "detectBrokerFileKind: schwab summary" {
+    const schwab_summary_data = "Brokerage ...1234\nAccount number ending in 1234\n$500,000.00";
+    try std.testing.expectEqual(BrokerFileKind.schwab_summary, detectBrokerFileKind(schwab_summary_data).?);
+}
+
+test "detectBrokerFileKind: unknown file" {
+    const random_data = "This is just some random text that doesn't match any pattern";
+    try std.testing.expect(detectBrokerFileKind(random_data) == null);
+}
+
+test "stalenessColor: within threshold" {
+    try std.testing.expectEqual(cli.CLR_MUTED, stalenessColor(2, 3));
+    try std.testing.expectEqual(cli.CLR_MUTED, stalenessColor(3, 3));
+}
+
+test "stalenessColor: warning zone (1-2x threshold)" {
+    try std.testing.expectEqual(cli.CLR_WARNING, stalenessColor(4, 3));
+    try std.testing.expectEqual(cli.CLR_WARNING, stalenessColor(6, 3));
+}
+
+test "stalenessColor: critical zone (>2x threshold)" {
+    try std.testing.expectEqual(cli.CLR_NEGATIVE, stalenessColor(7, 3));
+    try std.testing.expectEqual(cli.CLR_NEGATIVE, stalenessColor(30, 3));
+}
+
+test "UpdateCadence thresholdDays" {
+    try std.testing.expectEqual(@as(?u32, 7), analysis.UpdateCadence.weekly.thresholdDays());
+    try std.testing.expectEqual(@as(?u32, 30), analysis.UpdateCadence.monthly.thresholdDays());
+    try std.testing.expectEqual(@as(?u32, 90), analysis.UpdateCadence.quarterly.thresholdDays());
+    try std.testing.expect(analysis.UpdateCadence.none.thresholdDays() == null);
+}
+
+test "findModifiedAccounts: detects share changes" {
+    const allocator = std.testing.allocator;
+
+    var old_lots = [_]portfolio_mod.Lot{
+        .{ .symbol = "AAPL", .shares = 100, .open_date = Date.fromYmd(2024, 1, 1), .open_price = 150.0, .account = "Acct A" },
+        .{ .symbol = "MSFT", .shares = 50, .open_date = Date.fromYmd(2024, 1, 1), .open_price = 300.0, .account = "Acct B" },
+    };
+    var new_lots = [_]portfolio_mod.Lot{
+        .{ .symbol = "AAPL", .shares = 110, .open_date = Date.fromYmd(2024, 1, 1), .open_price = 150.0, .account = "Acct A" }, // shares changed
+        .{ .symbol = "MSFT", .shares = 50, .open_date = Date.fromYmd(2024, 1, 1), .open_price = 300.0, .account = "Acct B" }, // unchanged
+    };
+
+    const old_pf = portfolio_mod.Portfolio{ .lots = &old_lots, .allocator = allocator };
+    const new_pf = portfolio_mod.Portfolio{ .lots = &new_lots, .allocator = allocator };
+
+    var modified = try findModifiedAccounts(allocator, old_pf, new_pf);
+    defer modified.deinit();
+
+    try std.testing.expect(modified.contains("Acct A"));
+    try std.testing.expect(!modified.contains("Acct B"));
+}
+
+test "findModifiedAccounts: detects new lots" {
+    const allocator = std.testing.allocator;
+
+    var old_lots = [_]portfolio_mod.Lot{
+        .{ .symbol = "AAPL", .shares = 100, .open_date = Date.fromYmd(2024, 1, 1), .open_price = 150.0, .account = "Acct A" },
+    };
+    var new_lots = [_]portfolio_mod.Lot{
+        .{ .symbol = "AAPL", .shares = 100, .open_date = Date.fromYmd(2024, 1, 1), .open_price = 150.0, .account = "Acct A" },
+        .{ .symbol = "VTI", .shares = 200, .open_date = Date.fromYmd(2025, 3, 1), .open_price = 200.0, .account = "Acct A" },
+    };
+
+    const old_pf = portfolio_mod.Portfolio{ .lots = &old_lots, .allocator = allocator };
+    const new_pf = portfolio_mod.Portfolio{ .lots = &new_lots, .allocator = allocator };
+
+    var modified = try findModifiedAccounts(allocator, old_pf, new_pf);
+    defer modified.deinit();
+
+    try std.testing.expect(modified.contains("Acct A"));
+}
+
+test "findModifiedAccounts: detects price changes" {
+    const allocator = std.testing.allocator;
+
+    var old_lots = [_]portfolio_mod.Lot{
+        .{ .symbol = "NON40OR52", .shares = 100, .open_date = Date.fromYmd(2024, 1, 1), .open_price = 97.24, .account = "401k", .price = 161.71, .price_date = Date.fromYmd(2026, 4, 9) },
+    };
+    var new_lots = [_]portfolio_mod.Lot{
+        .{ .symbol = "NON40OR52", .shares = 100, .open_date = Date.fromYmd(2024, 1, 1), .open_price = 97.24, .account = "401k", .price = 169.07, .price_date = Date.fromYmd(2026, 4, 18) },
+    };
+
+    const old_pf = portfolio_mod.Portfolio{ .lots = &old_lots, .allocator = allocator };
+    const new_pf = portfolio_mod.Portfolio{ .lots = &new_lots, .allocator = allocator };
+
+    var modified = try findModifiedAccounts(allocator, old_pf, new_pf);
+    defer modified.deinit();
+
+    try std.testing.expect(modified.contains("401k"));
+}
+
+test "findModifiedAccounts: detects removed lots" {
+    const allocator = std.testing.allocator;
+
+    var old_lots = [_]portfolio_mod.Lot{
+        .{ .symbol = "AAPL", .shares = 100, .open_date = Date.fromYmd(2024, 1, 1), .open_price = 150.0, .account = "Acct A" },
+        .{ .symbol = "VTI", .shares = 50, .open_date = Date.fromYmd(2024, 1, 1), .open_price = 200.0, .account = "Acct A" },
+    };
+    var new_lots = [_]portfolio_mod.Lot{
+        .{ .symbol = "AAPL", .shares = 100, .open_date = Date.fromYmd(2024, 1, 1), .open_price = 150.0, .account = "Acct A" },
+        // VTI removed
+    };
+
+    const old_pf = portfolio_mod.Portfolio{ .lots = &old_lots, .allocator = allocator };
+    const new_pf = portfolio_mod.Portfolio{ .lots = &new_lots, .allocator = allocator };
+
+    var modified = try findModifiedAccounts(allocator, old_pf, new_pf);
+    defer modified.deinit();
+
+    try std.testing.expect(modified.contains("Acct A"));
+}
+
+test "findModifiedAccounts: no changes" {
+    const allocator = std.testing.allocator;
+
+    var lots = [_]portfolio_mod.Lot{
+        .{ .symbol = "AAPL", .shares = 100, .open_date = Date.fromYmd(2024, 1, 1), .open_price = 150.0, .account = "Acct A" },
+    };
+
+    const pf = portfolio_mod.Portfolio{ .lots = &lots, .allocator = allocator };
+
+    var modified = try findModifiedAccounts(allocator, pf, pf);
+    defer modified.deinit();
+
+    try std.testing.expectEqual(@as(u32, 0), modified.count());
+}
+
+test "hasAccountDiscrepancies" {
+    const clean = [_]AccountComparison{.{
+        .account_name = "Acct",
+        .brokerage_name = "Schwab",
+        .account_number = "123",
+        .comparisons = &.{},
+        .portfolio_total = 1000,
+        .brokerage_total = 1000,
+        .total_delta = 0,
+        .option_value_delta = 0,
+        .has_discrepancies = false,
+    }};
+    try std.testing.expect(!hasAccountDiscrepancies(&clean));
+
+    const dirty = [_]AccountComparison{.{
+        .account_name = "Acct",
+        .brokerage_name = "Schwab",
+        .account_number = "123",
+        .comparisons = &.{},
+        .portfolio_total = 1000,
+        .brokerage_total = 1100,
+        .total_delta = 100,
+        .option_value_delta = 0,
+        .has_discrepancies = true,
+    }};
+    try std.testing.expect(hasAccountDiscrepancies(&dirty));
+}
+
+test "hasSchwabDiscrepancies" {
+    const clean = [_]SchwabAccountComparison{.{
+        .account_name = "IRA",
+        .schwab_name = "Roth IRA",
+        .account_number = "716",
+        .portfolio_cash = 100,
+        .schwab_cash = 100,
+        .cash_delta = 0,
+        .portfolio_total = 5000,
+        .schwab_total = 5000,
+        .total_delta = 0,
+        .has_discrepancy = false,
+    }};
+    try std.testing.expect(!hasSchwabDiscrepancies(&clean));
+
+    const dirty = [_]SchwabAccountComparison{.{
+        .account_name = "IRA",
+        .schwab_name = "Roth IRA",
+        .account_number = "716",
+        .portfolio_cash = 100,
+        .schwab_cash = 200,
+        .cash_delta = 100,
+        .portfolio_total = 5000,
+        .schwab_total = 5100,
+        .total_delta = 100,
+        .has_discrepancy = true,
+    }};
+    try std.testing.expect(hasSchwabDiscrepancies(&dirty));
+}
+
+test "detectBrokerFileKind: schwab csv with Positions header" {
+    const data = "\"Positions for account Brokerage ...1234 as of 11:31 AM ET, 2026/04/25\"\n\nSymbol,Description,Quantity";
+    try std.testing.expectEqual(BrokerFileKind.schwab_csv, detectBrokerFileKind(data).?);
+}
+
+test "detectBrokerFileKind: schwab summary with Roth IRA" {
+    const data = "Roth IRA ...716\nSome text\n$50,000.00\n";
+    try std.testing.expectEqual(BrokerFileKind.schwab_summary, detectBrokerFileKind(data).?);
+}
+
+test "UpdateCadence label" {
+    try std.testing.expectEqualStrings("weekly", analysis.UpdateCadence.weekly.label());
+    try std.testing.expectEqualStrings("monthly", analysis.UpdateCadence.monthly.label());
+    try std.testing.expectEqualStrings("quarterly", analysis.UpdateCadence.quarterly.label());
+    try std.testing.expectEqualStrings("none", analysis.UpdateCadence.none.label());
+}
+
+test "discoverBrokerFiles: finds files in temp directory" {
+    const allocator = std.testing.allocator;
+
+    // Create a temp directory with test files
+    var tmp = std.testing.tmpDir(.{});
+    defer tmp.cleanup();
+
+    // Write a fidelity CSV
+    tmp.dir.writeFile(.{
+        .sub_path = "fidelity.csv",
+        .data = "Account Number,Account Name,Symbol,Description,Quantity,Last Price,Current Value\nZ123,Test,AAPL,Apple,100,200,20000\n",
+    }) catch unreachable;
+
+    // Write a schwab summary (non-CSV)
+    tmp.dir.writeFile(.{
+        .sub_path = "schwab.txt",
+        .data = "Brokerage ...1234\nAccount number ending in 1234\n$500,000.00\n",
+    }) catch unreachable;
+
+    // Write a random non-matching file
+    tmp.dir.writeFile(.{
+        .sub_path = "notes.txt",
+        .data = "Just some random notes",
+    }) catch unreachable;
+
+    // Get the temp dir path
+    const tmp_path = tmp.dir.realpathAlloc(allocator, ".") catch unreachable;
+    defer allocator.free(tmp_path);
+
+    const files = try discoverBrokerFiles(allocator, tmp_path, "test/");
+    defer {
+        for (files) |f| allocator.free(f.path);
+        allocator.free(files);
+    }
+
+    // Should find fidelity CSV and schwab summary, but not notes.txt
+    try std.testing.expectEqual(@as(usize, 2), files.len);
+
+    var found_fidelity = false;
+    var found_schwab = false;
+    for (files) |f| {
+        switch (f.kind) {
+            .fidelity_csv => found_fidelity = true,
+            .schwab_summary => found_schwab = true,
+            else => {},
+        }
+    }
+    try std.testing.expect(found_fidelity);
+    try std.testing.expect(found_schwab);
+}
+
+test "discoverBrokerFiles: empty directory returns empty" {
+    const allocator = std.testing.allocator;
+
+    var tmp = std.testing.tmpDir(.{});
+    defer tmp.cleanup();
+
+    const tmp_path = tmp.dir.realpathAlloc(allocator, ".") catch unreachable;
+    defer allocator.free(tmp_path);
+
+    const files = try discoverBrokerFiles(allocator, tmp_path, "test/");
+    defer allocator.free(files);
+
+    try std.testing.expectEqual(@as(usize, 0), files.len);
+}
+
+test "discoverBrokerFiles: nonexistent directory returns empty" {
+    const allocator = std.testing.allocator;
+
+    const files = try discoverBrokerFiles(allocator, "/nonexistent/path/audit", "test/");
+    defer allocator.free(files);
+
+    try std.testing.expectEqual(@as(usize, 0), files.len);
+}
diff --git a/src/main.zig b/src/main.zig
index fbcda28..4bb3d2b 100644
--- a/src/main.zig
+++ b/src/main.zig
@@ -56,6 +56,9 @@ const usage =
     \\  --rebuild-rollup         (Re)write history/rollup.srf and exit
     \\
     \\Audit command options:
+    \\  (no flags)               Portfolio hygiene check + auto-reconcile discovered files
+    \\  --verbose                Show full reconciliation output even when clean
+    \\  --stale-days <N>         Manual price staleness threshold (default: 3)
     \\  --fidelity <CSV>         Fidelity positions CSV export (download from "All accounts" positions tab)
     \\  --schwab <CSV>           Schwab per-account positions CSV export
     \\  --schwab-summary         Schwab account summary (copy from accounts summary page, paste to stdin)