ignore option mark to market in schwab

src/commands/audit.zig

@@ -710,6 +710,7 @@ pub const SymbolComparison = struct {
     shares_delta: ?f64,
     value_delta: ?f64,
     is_cash: bool,
+    is_option: bool,
     only_in_brokerage: bool,
     only_in_portfolio: bool,
 };
@@ -723,6 +724,7 @@ pub const AccountComparison = struct {
     portfolio_total: f64,
     brokerage_total: f64,
     total_delta: f64,
+    option_value_delta: f64,
     has_discrepancies: bool,
 };
 
@@ -769,6 +771,7 @@ pub fn compareAccounts(
 
         var portfolio_total: f64 = 0;
         var brokerage_total: f64 = 0;
+        var option_value_delta: f64 = 0;
         var has_discrepancies = false;
 
         // Track which portfolio symbols we've matched
@@ -793,6 +796,7 @@ pub fn compareAccounts(
                     .shares_delta = if (bp.quantity) |q| q else null,
                     .value_delta = bp.current_value,
                     .is_cash = bp.is_cash,
+                    .is_option = false,
                     .only_in_brokerage = true,
                     .only_in_portfolio = false,
                 });
@@ -804,6 +808,7 @@ pub fn compareAccounts(
             var pf_shares: f64 = 0;
             var pf_value: f64 = 0;
             var pf_price: ?f64 = null;
+            var is_option = false;
 
             if (bp.is_cash) {
                 pf_shares = portfolio.cashForAccount(portfolio_acct_name.?);
@@ -842,6 +847,7 @@ pub fn compareAccounts(
                                 pf_shares += lot.shares;
                                 pf_value += @abs(lot.shares) * lot.open_price * lot.multiplier;
                                 pf_price = lot.open_price * lot.multiplier;
+                                is_option = true;
                             },
                             else => {},
                         }
@@ -859,7 +865,14 @@ pub fn compareAccounts(
             const shares_match = if (shares_delta) |d| @abs(d) < 0.01 else true;
             const value_match = if (value_delta) |d| @abs(d) < 1.0 else true;
 
-            if (!shares_match or !value_match) has_discrepancies = true;
+            // Option value deltas are expected (cost basis vs mark-to-market)
+            // — track them separately rather than flagging as discrepancies
+            if (is_option) {
+                if (value_delta) |d| option_value_delta += d;
+                if (!shares_match) has_discrepancies = true;
+            } else {
+                if (!shares_match or !value_match) has_discrepancies = true;
+            }
 
             const br_price: ?f64 = if (bp.quantity) |q| if (bp.current_value) |v| if (q != 0) v / q else null else null else null;
 
@@ -874,6 +887,7 @@ pub fn compareAccounts(
                 .shares_delta = shares_delta,
                 .value_delta = value_delta,
                 .is_cash = bp.is_cash,
+                .is_option = is_option,
                 .only_in_brokerage = pf_shares == 0 and pf_value == 0,
                 .only_in_portfolio = false,
             });
@@ -906,6 +920,7 @@ pub fn compareAccounts(
                     .shares_delta = null,
                     .value_delta = null,
                     .is_cash = false,
+                    .is_option = false,
                     .only_in_brokerage = false,
                     .only_in_portfolio = true,
                 });
@@ -962,6 +977,7 @@ pub fn compareAccounts(
                         .shares_delta = null,
                         .value_delta = null,
                         .is_cash = is_cd,
+                        .is_option = !is_cd,
                         .only_in_brokerage = false,
                         .only_in_portfolio = true,
                     });
@@ -977,6 +993,7 @@ pub fn compareAccounts(
             .portfolio_total = portfolio_total,
             .brokerage_total = brokerage_total,
             .total_delta = brokerage_total - portfolio_total,
+            .option_value_delta = option_value_delta,
             .has_discrepancies = has_discrepancies,
         });
     }
@@ -997,6 +1014,7 @@ fn displayResults(results: []const AccountComparison, color: bool, out: *std.Io.
 
     var total_portfolio: f64 = 0;
     var total_brokerage: f64 = 0;
+    var total_option_delta: f64 = 0;
     var discrepancy_count: usize = 0;
 
     for (results) |acct| {
@@ -1096,6 +1114,10 @@ fn displayResults(results: []const AccountComparison, color: bool, out: *std.Io.
                     }
                 }
 
+                // Options: shares match is sufficient — value delta is expected
+                // (cost basis vs mark-to-market) and not actionable
+                if (cmp.is_option) break :blk "Option";
+
                 // Shares match — show value delta (stale price) if any, muted
                 if (cmp.value_delta) |d| {
                     if (@abs(d) >= 1.0) {
@@ -1151,23 +1173,32 @@ fn displayResults(results: []const AccountComparison, color: bool, out: *std.Io.
         });
         try cli.reset(out, color);
 
-        const delta = acct.total_delta;
+        const adj_delta = acct.total_delta - acct.option_value_delta;
-        if (@abs(delta) < 1.0) {
+        if (@abs(adj_delta) < 1.0) {
-            try out.print("\n", .{});
+            // no delta text needed
         } else {
-            const sign: []const u8 = if (delta >= 0) "+" else "-";
+            const sign: []const u8 = if (adj_delta >= 0) "+" else "-";
-            if (delta >= 0) {
+            if (adj_delta >= 0) {
                 try cli.setFg(out, color, cli.CLR_NEGATIVE);
             } else {
                 try cli.setFg(out, color, cli.CLR_POSITIVE);
             }
-            try out.print("Delta {s}{s}\n", .{ sign, fmt.fmtMoneyAbs(&delta_buf, @abs(delta)) });
+            try out.print("Delta {s}{s}", .{ sign, fmt.fmtMoneyAbs(&delta_buf, @abs(adj_delta)) });
             try cli.reset(out, color);
         }
-        try out.print("\n", .{});
+
+        if (@abs(acct.option_value_delta) >= 1.0) {
+            var opt_delta_buf: [24]u8 = undefined;
+            const opt_sign: []const u8 = if (acct.option_value_delta >= 0) "+" else "-";
+            try cli.setFg(out, color, cli.CLR_MUTED);
+            try out.print("  (options {s}{s})", .{ opt_sign, fmt.fmtMoneyAbs(&opt_delta_buf, @abs(acct.option_value_delta)) });
+            try cli.reset(out, color);
+        }
+        try out.print("\n\n", .{});
 
         total_portfolio += acct.portfolio_total;
         total_brokerage += acct.brokerage_total;
+        total_option_delta += acct.option_value_delta;
     }
 
     // Grand totals
@@ -1175,6 +1206,7 @@ fn displayResults(results: []const AccountComparison, color: bool, out: *std.Io.
     var br_grand_buf: [24]u8 = undefined;
     var grand_delta_buf: [24]u8 = undefined;
     const grand_delta = total_brokerage - total_portfolio;
+    const grand_adj_delta = grand_delta - total_option_delta;
 
     try cli.setBold(out, color);
     try out.print("  Total: portfolio {s}  brokerage {s}", .{
@@ -1183,16 +1215,24 @@ fn displayResults(results: []const AccountComparison, color: bool, out: *std.Io.
     });
     try cli.reset(out, color);
 
-    if (@abs(grand_delta) < 1.0) {
+    if (@abs(grand_adj_delta) < 1.0) {
         // no delta text needed
     } else {
-        const sign: []const u8 = if (grand_delta >= 0) "+" else "-";
+        const sign: []const u8 = if (grand_adj_delta >= 0) "+" else "-";
-        if (grand_delta >= 0) {
+        if (grand_adj_delta >= 0) {
             try cli.setFg(out, color, cli.CLR_NEGATIVE);
         } else {
             try cli.setFg(out, color, cli.CLR_POSITIVE);
         }
-        try out.print("  delta {s}{s}", .{ sign, fmt.fmtMoneyAbs(&grand_delta_buf, @abs(grand_delta)) });
+        try out.print("  delta {s}{s}", .{ sign, fmt.fmtMoneyAbs(&grand_delta_buf, @abs(grand_adj_delta)) });
+        try cli.reset(out, color);
+    }
+
+    if (@abs(total_option_delta) >= 1.0) {
+        var opt_grand_buf: [24]u8 = undefined;
+        const opt_sign: []const u8 = if (total_option_delta >= 0) "+" else "-";
+        try cli.setFg(out, color, cli.CLR_MUTED);
+        try out.print("  (options {s}{s})", .{ opt_sign, fmt.fmtMoneyAbs(&opt_grand_buf, @abs(total_option_delta)) });
         try cli.reset(out, color);
     }
     try out.print("\n", .{});