audit: better handling of unmapped accounts in multi-account file imports

docs/guides/audit-against-brokerage.md

@@ -268,10 +268,16 @@ What it considers:
   for ...`, a Schwab summary by `Account number ending in`, a Wells
   Fargo spreadsheet by its `WFA_Positions` sheet. A renamed file still
   works; an unrelated file is skipped.
-- **A Wells Fargo export with none of your accounts is skipped.** One WF
+- **Accounts you don't track get one line, not a wall of
-  download covers a whole household, so if you also manage someone
+  discrepancies.** Fidelity's download, Schwab's All Brokerage Accounts
-  else's WF accounts, their export in your download folder is noted and
+  export and summary paste, and the Wells Fargo spreadsheet cover every
-  skipped rather than reported as eight unmapped accounts.
+  account your login can see -- including ones this portfolio
+  deliberately leaves out (a relative's account you manage, one that
+  belongs to another portfolio file). Their unmapped accounts are named
+  on a muted "not in accounts.srf, not reconciled" line instead of
+  being reconciled, and an export with *none* of your accounts is noted
+  and skipped as another portfolio's. See
+  [How accounts are matched](#how-accounts-are-matched).
 
 So with `ZFIN_AUDIT_FILES=~/Downloads`, the workflow collapses to
 "download from your broker, run `zfin audit`, done."
@@ -291,8 +297,22 @@ portfolio. It does that through
 - zfin finds the `accounts.srf` entry whose `institution::` (`fidelity`,
   `schwab`, `wells_fargo`) **and** `account_number::` match, and
   compares against that account's lots.
-- **No match -> the account is shown as `unmapped`** and flagged as a
+- **No match -> the account isn't reconciled.** How loudly zfin says so
-  discrepancy. Fix it by adding `institution::` and `account_number::`
+  depends on what you exported:
+  - A **single-account** Schwab export: you picked that account, so it
+    is shown as `unmapped` with every holding, and flagged as a
+    discrepancy.
+  - An export covering **every account** (Fidelity, Schwab's All
+    Brokerage Accounts or summary, Wells Fargo): the account is listed
+    by name and number on one muted "not in accounts.srf, not
+    reconciled" line, and doesn't count as a discrepancy -- so an
+    account you deliberately don't track doesn't keep the audit from
+    coming back clean. If *none* of the export's accounts match, the
+    whole file is skipped as another portfolio's (the flagless audit
+    lists its accounts with `--verbose`; a `--fidelity`/`--schwab`/...
+    flag always does).
+
+  Either way, fix it by adding `institution::` and `account_number::`
   to that account in `accounts.srf` (a placeholder number you recognize
   is fine -- it just has to match what the export shows).
 

docs/reference/cli/audit.md

@@ -26,10 +26,13 @@ discrepancies.
 | `--wells-fargo <XLS>` | Wells Fargo positions spreadsheet (Download Type "Portfolio-Expanded Detail", "Positions"). |
 
 Reconciliation matches export accounts to yours via `institution::` and
-`account_number::` in [`accounts.srf`](../config/accounts-srf.md); an
+`account_number::` in [`accounts.srf`](../config/accounts-srf.md). An
-unmatched account is reported as "unmapped." A discovered Wells Fargo
+unmatched account in a single-account Schwab export is reported as
-export none of whose accounts are mapped is skipped with a note instead,
+"unmapped." Exports that cover every account (Fidelity, Schwab's All
-since it is almost certainly another portfolio's.
+Brokerage Accounts and summary, Wells Fargo) instead name their
+unmatched accounts on one "not in accounts.srf, not reconciled" line,
+and one with no matched accounts at all is skipped as another
+portfolio's. See [how accounts are matched](../../guides/audit-against-brokerage.md#how-accounts-are-matched).
 
 The hygiene check also flags newly-appeared lots worth at least
 $10,000 in a **Large new lots - confirm source** section, so you can

src/analytics/reconcile.zig

@@ -24,6 +24,9 @@ pub const cdLotAllowance = common.cdLotAllowance;
 pub const accountValueExpectation = common.accountValueExpectation;
 pub const compareAccounts = common.compareAccounts;
 pub const hasAccountDiscrepancies = common.hasAccountDiscrepancies;
+pub const ExportScope = common.ExportScope;
+pub const ExportView = common.ExportView;
+pub const splitUnmapped = common.splitUnmapped;
 pub const presentNumbers = common.presentNumbers;
 pub const findAbsentAccounts = common.findAbsentAccounts;
 pub const RatioSuggestion = common.RatioSuggestion;
@@ -32,6 +35,7 @@ pub const ratioSuggestions = common.ratioSuggestions;
 pub const SchwabAccountComparison = schwab.SchwabAccountComparison;
 pub const compareSchwabSummary = schwab.compareSchwabSummary;
 pub const reconcileCsv = schwab.reconcileCsv;
+pub const schwabCsvScope = schwab.csvScope;
 pub const reconcileSummary = schwab.reconcileSummary;
 pub const hasSchwabDiscrepancies = schwab.hasSchwabDiscrepancies;
 pub const summaryRatioSuggestions = schwab.summaryRatioSuggestions;

src/analytics/reconcile/common.zig

@@ -661,6 +661,67 @@ pub fn hasAccountDiscrepancies(results: []const AccountComparison) bool {
     return false;
 }
 
+// ── Unmapped accounts in an export ───────────────────────────
+
+/// How much of a household an export was asked to cover, which decides
+/// what an unmapped account in it means (see `splitUnmapped`).
+pub const ExportScope = enum {
+    /// The user picked one account to export - Schwab's single-account
+    /// positions CSV. If that account is unmapped, it is a setup error.
+    one_account,
+    /// Everything the login can see - Fidelity's download, the Wells
+    /// Fargo spreadsheet, Schwab's All Brokerage Accounts export and its
+    /// summary paste. These routinely carry accounts this portfolio
+    /// deliberately doesn't track: a relative's, a view-only one, or
+    /// one belonging to another portfolio file.
+    all_accounts,
+};
+
+/// One export's comparison results, split for display. Both slices
+/// view the caller's results, which `splitUnmapped` reorders in place.
+pub fn ExportView(comptime T: type) type {
+    return struct {
+        /// Accounts to reconcile in full.
+        shown: []T,
+        /// Unmapped accounts of an all-accounts export, reported on one
+        /// line rather than as discrepancies.
+        unmapped: []T,
+
+        /// True when nothing in an all-accounts export maps: it is almost
+        /// certainly another portfolio's file (one household's download
+        /// in a shared Downloads directory), so it is skipped outright.
+        pub fn skipped(self: @This()) bool {
+            return self.shown.len == 0 and self.unmapped.len > 0;
+        }
+    };
+}
+
+/// Split one export's results into what to reconcile and what to merely
+/// note. An unmapped account (empty `account_name`, the convention both
+/// `AccountComparison` and `SchwabAccountComparison` share) in an
+/// `.all_accounts` export moves to `unmapped`: listing every row of an
+/// account you deliberately don't track as a discrepancy would mean the
+/// audit can never come back clean. It is still named, so a newly opened
+/// account that genuinely needs mapping isn't lost. In a `.one_account`
+/// export nothing moves - you asked for that account, so its not mapping
+/// is worth the full unmapped report.
+///
+/// Reorders `results` in place - mapped first, each side keeping its
+/// order - so the caller still owns and frees the same slice.
+pub fn splitUnmapped(comptime T: type, results: []T, scope: ExportScope) ExportView(T) {
+    if (scope == .one_account) return .{ .shown = results, .unmapped = results[results.len..] };
+    const S = struct {
+        fn mappedFirst(_: void, a: T, b: T) bool {
+            return a.account_name.len > 0 and b.account_name.len == 0;
+        }
+    };
+    // Insertion sort is stable, and an export carries a handful of accounts.
+    std.sort.insertion(T, results, {}, S.mappedFirst);
+    var mapped: usize = 0;
+    while (mapped < results.len and results[mapped].account_name.len > 0) : (mapped += 1) {}
+    return .{ .shown = results[0..mapped], .unmapped = results[mapped..] };
+}
+
 // ── Portfolio accounts absent from the export ────────────────
 
 /// A portfolio account that maps to the institution under audit and
@@ -1977,3 +2038,70 @@ test "collapseOntoProxy: every allocation failure is clean" {
     };
     try std.testing.checkAllAllocationFailures(std.testing.allocator, S.run, .{});
 }
+
+// ── splitUnmapped ────────────────────────────────────────────
+
+/// An account comparison with no rows; only identity matters here.
+fn testAcct(account_name: []const u8, number: []const u8) AccountComparison {
+    return .{
+        .account_name = account_name,
+        .brokerage_name = "Sample Account",
+        .account_number = number,
+        .comparisons = &.{},
+        .portfolio_total = 0,
+        .brokerage_total = 0,
+        .total_delta = 0,
+        .option_value_delta = 0,
+        .has_discrepancies = account_name.len == 0,
+    };
+}
+
+test "splitUnmapped: an all-accounts export sets unmapped accounts aside, keeping order" {
+    var results = [_]AccountComparison{
+        testAcct("", "9012"),
+        testAcct("Sample IRA", "1234"),
+        testAcct("", "3456"),
+        testAcct("Sample Brokerage", "5678"),
+    };
+    const view = splitUnmapped(AccountComparison, &results, .all_accounts);
+
+    try std.testing.expect(!view.skipped());
+    try std.testing.expectEqual(@as(usize, 2), view.shown.len);
+    try std.testing.expectEqualStrings("1234", view.shown[0].account_number);
+    try std.testing.expectEqualStrings("5678", view.shown[1].account_number);
+    try std.testing.expectEqual(@as(usize, 2), view.unmapped.len);
+    try std.testing.expectEqualStrings("9012", view.unmapped[0].account_number);
+    try std.testing.expectEqualStrings("3456", view.unmapped[1].account_number);
+    // The set aside accounts were the discrepancies; what is shown is clean.
+    try std.testing.expect(!hasAccountDiscrepancies(view.shown));
+}
+
+test "splitUnmapped: a one-account export keeps its unmapped account in full view" {
+    var results = [_]AccountComparison{testAcct("", "9012")};
+    const view = splitUnmapped(AccountComparison, &results, .one_account);
+    try std.testing.expect(!view.skipped());
+    try std.testing.expectEqual(@as(usize, 1), view.shown.len);
+    try std.testing.expectEqual(@as(usize, 0), view.unmapped.len);
+    try std.testing.expect(hasAccountDiscrepancies(view.shown));
+}
+
+test "splitUnmapped: an all-accounts export with nothing mapped is skipped" {
+    var results = [_]AccountComparison{ testAcct("", "9012"), testAcct("", "3456") };
+    const view = splitUnmapped(AccountComparison, &results, .all_accounts);
+    try std.testing.expect(view.skipped());
+    try std.testing.expectEqual(@as(usize, 0), view.shown.len);
+    try std.testing.expectEqual(@as(usize, 2), view.unmapped.len);
+}
+
+test "splitUnmapped: everything mapped, or nothing at all, sets nothing aside" {
+    var mapped = [_]AccountComparison{ testAcct("Sample IRA", "1234"), testAcct("Sample Brokerage", "5678") };
+    const view = splitUnmapped(AccountComparison, &mapped, .all_accounts);
+    try std.testing.expect(!view.skipped());
+    try std.testing.expectEqual(@as(usize, 2), view.shown.len);
+    try std.testing.expectEqual(@as(usize, 0), view.unmapped.len);
+
+    // An empty export is not "skipped as another portfolio's" - there is
+    // nothing to attribute to anyone.
+    var none = [_]AccountComparison{};
+    try std.testing.expect(!splitUnmapped(AccountComparison, &none, .all_accounts).skipped());
+}

src/analytics/reconcile/schwab.zig

@@ -27,8 +27,12 @@ const AccountSummary = schwab_parser.AccountSummary;
 
 /// Account-level comparison result for Schwab summary audit.
 pub const SchwabAccountComparison = struct {
+    /// Portfolio account name; empty when the account is unmapped.
     account_name: []const u8,
-    schwab_name: []const u8,
+    /// The account's name as Schwab shows it. Named like
+    /// `AccountComparison.brokerage_name` so code handling either result
+    /// type (`common.splitUnmapped`) reads the same field.
+    brokerage_name: []const u8,
     account_number: []const u8,
     portfolio_cash: f64,
     schwab_cash: ?f64,
@@ -67,6 +71,14 @@ pub fn reconcileCsv(
     return common.compareAccounts(allocator, portfolio, positions, account_map, "schwab", prices, as_of);
 }
 
+/// Which `common.ExportScope` a Schwab positions CSV has: an "All
+/// Brokerage Accounts" export covers the whole login, while a
+/// single-account export is one the user picked on purpose, so its
+/// account being unmapped is worth the full report.
+pub fn csvScope(csv_data: []const u8) common.ExportScope {
+    return if (schwab_parser.isAllAccounts(csv_data)) .all_accounts else .one_account;
+}
+
 // ── Account summary paste (--schwab-summary) ─────────────────
 
 /// Parse a Schwab account summary and reconcile its per-account
@@ -120,7 +132,7 @@ pub fn compareSchwabSummary(
 
         try results.append(allocator, .{
             .account_name = portfolio_acct orelse "",
-            .schwab_name = sa.account_name,
+            .brokerage_name = sa.account_name,
             .account_number = sa.account_number,
             .portfolio_cash = pf_cash,
             .schwab_cash = sa.cash,
@@ -218,7 +230,7 @@ const portfolio_mod = @import("../../models/portfolio.zig");
 test "hasSchwabDiscrepancies" {
     const clean = [_]SchwabAccountComparison{.{
         .account_name = "IRA",
-        .schwab_name = "Roth IRA",
+        .brokerage_name = "Roth IRA",
         .account_number = "1234",
         .portfolio_cash = 100,
         .schwab_cash = 100,
@@ -232,7 +244,7 @@ test "hasSchwabDiscrepancies" {
 
     const dirty = [_]SchwabAccountComparison{.{
         .account_name = "IRA",
-        .schwab_name = "Roth IRA",
+        .brokerage_name = "Roth IRA",
         .account_number = "1234",
         .portfolio_cash = 100,
         .schwab_cash = 200,
@@ -411,7 +423,7 @@ test "compareSchwabSummary: account_number with no match -> empty account_name"
 
     try std.testing.expectEqual(@as(usize, 1), results.len);
     try std.testing.expectEqualStrings("", results[0].account_name);
-    try std.testing.expectEqualStrings("Unknown Acct", results[0].schwab_name);
+    try std.testing.expectEqualStrings("Unknown Acct", results[0].brokerage_name);
     // No portfolio match -> cash and total are zero, schwab values become deltas
     try std.testing.expectApproxEqAbs(@as(f64, 0), results[0].portfolio_cash, 0.01);
     try std.testing.expectApproxEqAbs(@as(f64, 1000), results[0].cash_delta.?, 0.01);
@@ -701,7 +713,7 @@ test "summaryRatioSuggestions: single-lot direct-indexing yields exact ratio + d
     try prices.put("SPY", 500.0);
     // current = 100*500*1.0 = 50000; target = 51000; suggested = 1.02, +2%.
     const results = [_]SchwabAccountComparison{
-        .{ .account_name = "Sample Brokerage", .schwab_name = "Brokerage", .account_number = "1234", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 50000, .schwab_total = 51000, .total_delta = 1000, .has_discrepancy = true },
+        .{ .account_name = "Sample Brokerage", .brokerage_name = "Brokerage", .account_number = "1234", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 50000, .schwab_total = 51000, .total_delta = 1000, .has_discrepancy = true },
     };
     const sugg = try summaryRatioSuggestions(allocator, &results, portfolio, prices, am, Date.fromYmd(2026, 6, 19));
     defer allocator.free(sugg);
@@ -722,7 +734,7 @@ test "summaryRatioSuggestions: null map, non-DI, sub-cent delta, multi-lot all s
     defer prices.deinit();
     try prices.put("SPY", 500.0);
     const results = [_]SchwabAccountComparison{
-        .{ .account_name = "Sample Brokerage", .schwab_name = "Brokerage", .account_number = "1234", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 50000, .schwab_total = 51000, .total_delta = 1000, .has_discrepancy = true },
+        .{ .account_name = "Sample Brokerage", .brokerage_name = "Brokerage", .account_number = "1234", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 50000, .schwab_total = 51000, .total_delta = 1000, .has_discrepancy = true },
     };
 
     // null account_map -> empty.
@@ -748,7 +760,7 @@ test "summaryRatioSuggestions: null map, non-DI, sub-cent delta, multi-lot all s
         };
         const am = analysis.AccountMap{ .entries = &entries, .allocator = allocator };
         const tiny = [_]SchwabAccountComparison{
-            .{ .account_name = "Sample Brokerage", .schwab_name = "Brokerage", .account_number = "1234", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 50000, .schwab_total = 50000.005, .total_delta = 0.005, .has_discrepancy = false },
+            .{ .account_name = "Sample Brokerage", .brokerage_name = "Brokerage", .account_number = "1234", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 50000, .schwab_total = 50000.005, .total_delta = 0.005, .has_discrepancy = false },
         };
         const sugg = try summaryRatioSuggestions(allocator, &tiny, portfolio, prices, am, Date.fromYmd(2026, 6, 19));
         defer allocator.free(sugg);
@@ -770,3 +782,45 @@ test "summaryRatioSuggestions: null map, non-DI, sub-cent delta, multi-lot all s
         try std.testing.expectEqual(@as(usize, 0), sugg.len);
     }
 }
+
+// ── Export scope ─────────────────────────────────────────────
+
+test "csvScope: only an All Brokerage Accounts export covers the whole login" {
+    try std.testing.expectEqual(common.ExportScope.all_accounts, csvScope("\"Positions for All-Accounts as of 08:47 AM ET, 10/06/2026\"\n\n\"Sample_IRA ...1234\"\n"));
+    try std.testing.expectEqual(common.ExportScope.one_account, csvScope("\"Positions for account Sample IRA ...1234 as of 10:00 AM ET, 2026/06/27\"\n"));
+    // Unparseable input never reaches here (reconcileCsv fails first), but
+    // the conservative answer is the one that keeps unmapped accounts loud.
+    try std.testing.expectEqual(common.ExportScope.one_account, csvScope("garbage"));
+}
+
+test "splitUnmapped: a summary paste sets its unmapped accounts aside" {
+    const allocator = std.testing.allocator;
+    const data =
+        \\Sample Roth
+        \\Account number ending in 1234 ...1234
+        \\Type IRA $46.44 $227,058.15 +$1,072.88 +0.47%
+        \\Sample Account
+        \\Account number ending in 9012 ...9012
+        \\Type Brokerage $10.00 $5,000.00 +$1.00 +0.02%
+    ;
+    var lots = [_]portfolio_mod.Lot{
+        .{ .symbol = "", .shares = 46.44, .open_date = Date.fromYmd(2024, 1, 1), .open_price = 1, .account = "Sample Roth IRA", .security_type = .cash },
+    };
+    const portfolio = portfolio_mod.Portfolio{ .lots = &lots, .allocator = allocator };
+    var entries = [_]analysis.AccountTaxEntry{
+        .{ .account = "Sample Roth IRA", .tax_type = .roth, .institution = "schwab", .account_number = "1234" },
+    };
+    const acct_map = analysis.AccountMap{ .entries = &entries, .allocator = allocator };
+    var prices = std.StringHashMap(f64).init(allocator);
+    defer prices.deinit();
+
+    const results = try reconcileSummary(allocator, portfolio, data, acct_map, prices, Date.fromYmd(2026, 10, 6));
+    defer allocator.free(results);
+
+    const view = common.splitUnmapped(SchwabAccountComparison, results, .all_accounts);
+    try std.testing.expectEqual(@as(usize, 1), view.shown.len);
+    try std.testing.expectEqualStrings("Sample Roth IRA", view.shown[0].account_name);
+    try std.testing.expectEqual(@as(usize, 1), view.unmapped.len);
+    try std.testing.expectEqualStrings("Sample Account", view.unmapped[0].brokerage_name);
+    try std.testing.expectEqualStrings("9012", view.unmapped[0].account_number);
+}

src/analytics/reconcile/wells_fargo.zig

@@ -44,18 +44,6 @@ pub const Reconciled = struct {
         allocator.free(self.results);
         self.workbook.deinit();
     }
-
-    /// True when at least one of the export's accounts is in
-    /// `accounts.srf`. An export with none is almost certainly another
-    /// portfolio's (one household's download sitting in a shared
-    /// Downloads directory), so auto-discovery skips it rather than
-    /// reporting every account as a discrepancy.
-    pub fn mapsAnyAccount(self: Reconciled) bool {
-        for (self.results) |r| {
-            if (r.account_name.len > 0) return true;
-        }
-        return false;
-    }
 };
 
 /// Decode an export file and reconcile it. Errors are the decode's
@@ -140,7 +128,9 @@ test "reconcile: per-lot rows and cash rows sum per account and match the portfo
     try std.testing.expectEqual(@as(usize, 2), results[0].comparisons.len);
 }
 
-test "Reconciled.mapsAnyAccount: false when no export account is in accounts.srf" {
+test "reconcile: a household export with none of its accounts mapped is skipped" {
+    // One WF download covers a whole household, so one sitting in a
+    // shared Downloads directory may be another portfolio's entirely.
     const allocator = std.testing.allocator;
     const portfolio = Portfolio{ .lots = &.{}, .allocator = allocator };
     var entries = [_]analysis.AccountTaxEntry{
@@ -155,7 +145,7 @@ test "Reconciled.mapsAnyAccount: false when no export account is in accounts.srf
         .results = try reconcile(allocator, portfolio, &test_sheet, acct_map, prices, Date.fromYmd(2026, 10, 3)),
     };
     defer rec.deinit(allocator);
-    try std.testing.expect(!rec.mapsAnyAccount());
+    try std.testing.expect(common.splitUnmapped(common.AccountComparison, rec.results, .all_accounts).skipped());
 
     // With the export's account mapped, it is ours.
     entries[0].account_number = "1234";
@@ -164,7 +154,9 @@ test "Reconciled.mapsAnyAccount: false when no export account is in accounts.srf
         .results = try reconcile(allocator, portfolio, &test_sheet, acct_map, prices, Date.fromYmd(2026, 10, 3)),
     };
     defer mapped.deinit(allocator);
-    try std.testing.expect(mapped.mapsAnyAccount());
+    const view = common.splitUnmapped(common.AccountComparison, mapped.results, .all_accounts);
+    try std.testing.expect(!view.skipped());
+    try std.testing.expectEqual(@as(usize, 1), view.shown.len);
 }
 
 test "reconcileXls: decode errors surface with their names" {

src/brokerage/schwab.zig

@@ -229,6 +229,14 @@ fn parseTitle(line: []const u8) ?Title {
     return .{ .account = parseAccountLabel(rest[0..label_end]) orelse return null };
 }
 
+/// True for an "All Brokerage Accounts" export - one that covers every
+/// account the login can see, rather than one the user picked. Reads only
+/// the title line.
+pub fn isAllAccounts(data: []const u8) bool {
+    const title = parseTitle(data[0 .. std.mem.indexOfScalar(u8, data, '\n') orelse data.len]) orelse return false;
+    return title == .all_accounts;
+}
+
 /// Running tally of one section's position rows, checked against the
 /// section's "Positions Total" row.
 const Section = struct {
@@ -831,3 +839,12 @@ test "parseSummary no accounts" {
     const result = parseSummary(allocator, "some random text\nno accounts here\n");
     try std.testing.expectError(error.NoAccountsFound, result);
 }
+
+test "isAllAccounts: keys on the title line only" {
+    try std.testing.expect(isAllAccounts("\"Positions for All-Accounts as of 08:47 AM ET, 10/06/2026\"\n\n\"Sample_IRA ...1234\"\n"));
+    try std.testing.expect(isAllAccounts("\"Positions for All-Accounts as of 08:47 AM ET, 10/06/2026\""));
+    try std.testing.expect(!isAllAccounts("\"Positions for account Sample IRA ...1234 as of 10:00 AM ET, 2026/06/27\"\n"));
+    // A later line mentioning the phrase does not count.
+    try std.testing.expect(!isAllAccounts("something else\n\"Positions for All-Accounts\"\n"));
+    try std.testing.expect(!isAllAccounts(""));
+}

src/commands/audit.zig

@@ -21,8 +21,10 @@
 //! pulling in the reconciliation surface.
 
 const std = @import("std");
+const zfin = @import("../root.zig");
 const cli = @import("common.zig");
 const framework = @import("framework.zig");
+const analysis = @import("../analytics/analysis.zig");
 
 const common = @import("audit/common.zig");
 const fidelity = @import("../analytics/reconcile/fidelity.zig");
@@ -210,23 +212,32 @@ pub fn run(ctx: *framework.RunCtx, parsed: ParsedArgs) !void {
         cli.stderrPrint(io, "Paste Schwab account summary, then press Ctrl+D:\n");
         var stdin_reader_buf: [4096]u8 = undefined;
         var stdin_reader = std.Io.File.stdin().reader(io, &stdin_reader_buf);
-        const stdin_data = stdin_reader.interface.allocRemaining(allocator, .limited(1024 * 1024)) catch {
+        const stdin_data = stdin_reader.interface.allocRemaining(allocator, .limited(1024 * 1024)) catch |err| {
-            cli.stderrPrint(io, "Error: Cannot read stdin\n");
+            var msg_buf: [256]u8 = undefined;
+            const msg = std.fmt.bufPrint(&msg_buf, "Error: Cannot read stdin: {s}\n", .{@errorName(err)}) catch "Error: Cannot read stdin\n";
+            cli.stderrPrint(io, msg);
             return;
         };
         defer allocator.free(stdin_data);
 
         const results = schwab.reconcileSummary(allocator, portfolio, stdin_data, account_map, prices, as_of) catch |err| switch (err) {
             error.OutOfMemory => return err,
-            else => {
+            else => |e| {
-                cli.stderrPrint(io, "Error: Cannot parse Schwab summary (no 'Account number ending in' lines found)\n");
+                var msg_buf: [256]u8 = undefined;
+                const msg = std.fmt.bufPrint(&msg_buf, "Error: Cannot parse Schwab summary: {s} (no 'Account number ending in' lines found?)\n", .{@errorName(e)}) catch "Error: Cannot parse Schwab summary\n";
+                cli.stderrPrint(io, msg);
                 return;
             },
         };
         defer allocator.free(results);
 
-        try schwab.displaySchwabResults(results, color, out);
+        // A summary paste covers every account on the page.
-        try schwab.displaySchwabSummaryRatioSuggestions(allocator, results, portfolio, prices, account_map, as_of, color, out);
+        const view = common.splitUnmapped(schwab.SchwabAccountComparison, results, .all_accounts);
+        if (!view.skipped()) {
+            try schwab.displaySchwabResults(view.shown, color, out);
+            try schwab.displaySchwabSummaryRatioSuggestions(allocator, view.shown, portfolio, prices, account_map, as_of, color, out);
+        }
+        try common.displayUnmapped(schwab.SchwabAccountComparison, "schwab summary", view, true, color, out);
 
         const present = try common.presentNumbers(allocator, schwab.SchwabAccountComparison, results);
         defer allocator.free(present);
@@ -237,9 +248,9 @@ pub fn run(ctx: *framework.RunCtx, parsed: ParsedArgs) !void {
 
     // Fidelity CSV
     if (fidelity_csv) |csv_path| {
-        const csv_data = std.Io.Dir.cwd().readFileAlloc(io, csv_path, allocator, .limited(10 * 1024 * 1024)) catch {
+        const csv_data = std.Io.Dir.cwd().readFileAlloc(io, csv_path, allocator, .limited(10 * 1024 * 1024)) catch |err| {
-            var msg_buf: [256]u8 = undefined;
+            var msg_buf: [512]u8 = undefined;
-            const msg = std.fmt.bufPrint(&msg_buf, "Error: Cannot read CSV file: {s}\n", .{csv_path}) catch "Error: Cannot read CSV file\n";
+            const msg = std.fmt.bufPrint(&msg_buf, "Error: Cannot read CSV file {s}: {s}\n", .{ csv_path, @errorName(err) }) catch "Error: Cannot read CSV file\n";
             cli.stderrPrint(io, msg);
             return;
         };
@@ -247,8 +258,10 @@ pub fn run(ctx: *framework.RunCtx, parsed: ParsedArgs) !void {
 
         const results = fidelity.reconcile(allocator, portfolio, csv_data, account_map, prices, as_of) catch |err| switch (err) {
             error.OutOfMemory => return err,
-            else => {
+            else => |e| {
-                cli.stderrPrint(io, "Error: Cannot parse Fidelity CSV (unexpected format?)\n");
+                var msg_buf: [512]u8 = undefined;
+                const msg = std.fmt.bufPrint(&msg_buf, "Error: Cannot parse Fidelity CSV {s}: {s}\n", .{ csv_path, @errorName(e) }) catch "Error: Cannot parse Fidelity CSV\n";
+                cli.stderrPrint(io, msg);
                 return;
             },
         };
@@ -257,8 +270,8 @@ pub fn run(ctx: *framework.RunCtx, parsed: ParsedArgs) !void {
             allocator.free(results);
         }
 
-        try common.displayResults(results, color, out);
+        // Fidelity's download covers every account in the login.
-        try common.displayRatioSuggestions(allocator, results, portfolio, prices, account_map, color, out);
+        try showAccountExport(allocator, "fidelity", results, .all_accounts, portfolio, prices, account_map, color, out);
 
         const present = try common.presentNumbers(allocator, common.AccountComparison, results);
         defer allocator.free(present);
@@ -267,11 +280,11 @@ pub fn run(ctx: *framework.RunCtx, parsed: ParsedArgs) !void {
         try common.displayAbsentAccounts(absent, color, "this export", out);
     }
 
-    // Schwab per-account CSV
+    // Schwab positions CSV (one account, or All Brokerage Accounts)
     if (schwab_csv) |csv_path| {
-        const csv_data = std.Io.Dir.cwd().readFileAlloc(io, csv_path, allocator, .limited(10 * 1024 * 1024)) catch {
+        const csv_data = std.Io.Dir.cwd().readFileAlloc(io, csv_path, allocator, .limited(10 * 1024 * 1024)) catch |err| {
-            var msg_buf: [256]u8 = undefined;
+            var msg_buf: [512]u8 = undefined;
-            const msg = std.fmt.bufPrint(&msg_buf, "Error: Cannot read CSV file: {s}\n", .{csv_path}) catch "Error: Cannot read CSV file\n";
+            const msg = std.fmt.bufPrint(&msg_buf, "Error: Cannot read CSV file {s}: {s}\n", .{ csv_path, @errorName(err) }) catch "Error: Cannot read CSV file\n";
             cli.stderrPrint(io, msg);
             return;
         };
@@ -279,8 +292,10 @@ pub fn run(ctx: *framework.RunCtx, parsed: ParsedArgs) !void {
 
         const results = schwab.reconcileCsv(allocator, portfolio, csv_data, account_map, prices, as_of) catch |err| switch (err) {
             error.OutOfMemory => return err,
-            else => {
+            else => |e| {
-                cli.stderrPrint(io, "Error: Cannot parse Schwab CSV (unexpected format?)\n");
+                var msg_buf: [512]u8 = undefined;
+                const msg = std.fmt.bufPrint(&msg_buf, "Error: Cannot parse Schwab CSV {s}: {s}\n", .{ csv_path, @errorName(e) }) catch "Error: Cannot parse Schwab CSV\n";
+                cli.stderrPrint(io, msg);
                 return;
             },
         };
@@ -289,8 +304,7 @@ pub fn run(ctx: *framework.RunCtx, parsed: ParsedArgs) !void {
             allocator.free(results);
         }
 
-        try common.displayResults(results, color, out);
+        try showAccountExport(allocator, "schwab", results, schwab.csvScope(csv_data), portfolio, prices, account_map, color, out);
-        try common.displayRatioSuggestions(allocator, results, portfolio, prices, account_map, color, out);
 
         const present = try common.presentNumbers(allocator, common.AccountComparison, results);
         defer allocator.free(present);
@@ -321,8 +335,8 @@ pub fn run(ctx: *framework.RunCtx, parsed: ParsedArgs) !void {
         };
         defer rec.deinit(allocator);
 
-        try common.displayResults(rec.results, color, out);
+        // One WF download covers a whole household.
-        try common.displayRatioSuggestions(allocator, rec.results, portfolio, prices, account_map, color, out);
+        try showAccountExport(allocator, "wells fargo", rec.results, .all_accounts, portfolio, prices, account_map, color, out);
 
         const present = try common.presentNumbers(allocator, common.AccountComparison, rec.results);
         defer allocator.free(present);
@@ -332,6 +346,31 @@ pub fn run(ctx: *framework.RunCtx, parsed: ParsedArgs) !void {
     }
 }
 
+/// Show one explicitly-requested per-position export: the comparison
+/// and ratio suggestions for its mapped accounts, then its unmapped ones
+/// (see `common.splitUnmapped`). The unmapped list is printed even for an
+/// export skipped as another portfolio's - you pointed audit at this
+/// file, so the account numbers to map are worth seeing. Reorders
+/// `results` in place.
+fn showAccountExport(
+    allocator: std.mem.Allocator,
+    label: []const u8,
+    results: []common.AccountComparison,
+    scope: common.ExportScope,
+    portfolio: zfin.Portfolio,
+    prices: std.StringHashMap(f64),
+    account_map: analysis.AccountMap,
+    color: bool,
+    out: *std.Io.Writer,
+) !void {
+    const view = common.splitUnmapped(common.AccountComparison, results, scope);
+    if (!view.skipped()) {
+        try common.displayResults(view.shown, color, out);
+        try common.displayRatioSuggestions(allocator, view.shown, portfolio, prices, account_map, color, out);
+    }
+    try common.displayUnmapped(common.AccountComparison, label, view, true, color, out);
+}
+
 // ── Tests ────────────────────────────────────────────────────
 
 test "parseArgs: defaults" {

src/commands/audit/common.zig

@@ -24,10 +24,54 @@ pub const SymbolComparison = reconcile.SymbolComparison;
 pub const AccountComparison = reconcile.AccountComparison;
 pub const compareAccounts = reconcile.compareAccounts;
 pub const hasAccountDiscrepancies = reconcile.hasAccountDiscrepancies;
+pub const ExportScope = reconcile.ExportScope;
+pub const ExportView = reconcile.ExportView;
+pub const splitUnmapped = reconcile.splitUnmapped;
 pub const AbsentAccount = reconcile.AbsentAccount;
 pub const presentNumbers = reconcile.presentNumbers;
 pub const findAbsentAccounts = reconcile.findAbsentAccounts;
 
+// ── Unmapped accounts ────────────────────────────────────────
+
+/// Report an export's unmapped accounts (see `splitUnmapped`) in muted
+/// text: a line with the count, then one line per account so the number
+/// to map is right there. For an export skipped outright, the
+/// per-account list is printed only when `list_skipped`: someone else's
+/// whole household is noise on every routine audit, but worth seeing
+/// when you point audit at the file yourself. Prints nothing when every
+/// account is mapped. `T` is `AccountComparison` or
+/// `SchwabAccountComparison`; both carry `brokerage_name` and
+/// `account_number`.
+pub fn displayUnmapped(
+    comptime T: type,
+    label: []const u8,
+    view: ExportView(T),
+    list_skipped: bool,
+    color: bool,
+    out: *std.Io.Writer,
+) !void {
+    const n = view.unmapped.len;
+    if (n == 0) return;
+    if (view.skipped()) {
+        if (n == 1) {
+            try cli.printFg(out, color, cli.CLR_MUTED, "    {s}: its only account is not in accounts.srf; skipped (another portfolio's export?)\n", .{label});
+        } else {
+            try cli.printFg(out, color, cli.CLR_MUTED, "    {s}: none of its {d} accounts are in accounts.srf; skipped (another portfolio's export?)\n", .{ label, n });
+        }
+        if (!list_skipped) return;
+    } else {
+        try cli.printFg(out, color, cli.CLR_MUTED, "    {s}: {d} {s} not in accounts.srf, not reconciled\n", .{ label, n, accountsNoun(n) });
+    }
+    for (view.unmapped) |r| {
+        try cli.printFg(out, color, cli.CLR_MUTED, "      {s} #{s}\n", .{ r.brokerage_name, r.account_number });
+    }
+}
+
+/// "account" or "accounts", for a count of them.
+pub fn accountsNoun(n: usize) []const u8 {
+    return if (n == 1) "account" else "accounts";
+}
+
 // ── Ratio suggestions ────────────────────────────────────────
 
 /// After displaying audit results, check for price_ratio positions where
@@ -547,3 +591,91 @@ test "displayAbsentAccounts: silent when empty, renders names + totals otherwise
         try std.testing.expect(std.mem.indexOf(u8, w.buffered(), "not found in any export") != null);
     }
 }
+
+// ── displayUnmapped ──────────────────────────────────────────
+
+fn testComparison(account_name: []const u8, brokerage_name: []const u8, number: []const u8) AccountComparison {
+    return .{
+        .account_name = account_name,
+        .brokerage_name = brokerage_name,
+        .account_number = number,
+        .comparisons = &.{},
+        .portfolio_total = 0,
+        .brokerage_total = 0,
+        .total_delta = 0,
+        .option_value_delta = 0,
+        .has_discrepancies = account_name.len == 0,
+    };
+}
+
+fn renderUnmapped(buf: []u8, results: []AccountComparison, scope: ExportScope, list_skipped: bool) ![]const u8 {
+    var w: std.Io.Writer = .fixed(buf);
+    try displayUnmapped(AccountComparison, "schwab", splitUnmapped(AccountComparison, results, scope), list_skipped, false, &w);
+    return w.buffered();
+}
+
+test "displayUnmapped: names each unmapped account of an all-accounts export" {
+    var results = [_]AccountComparison{
+        testComparison("Sample IRA", "Sample_IRA", "1234"),
+        testComparison("", "Sample_Account", "9012"),
+    };
+    var buf: [512]u8 = undefined;
+    const out = try renderUnmapped(&buf, &results, .all_accounts, false);
+    try std.testing.expectEqualStrings(
+        "    schwab: 1 account not in accounts.srf, not reconciled\n" ++
+            "      Sample_Account #9012\n",
+        out,
+    );
+
+    // Plural, and the list follows the count.
+    var two = [_]AccountComparison{
+        testComparison("Sample IRA", "Sample_IRA", "1234"),
+        testComparison("", "Sample_Account", "9012"),
+        testComparison("", "Sample_Trust", "3456"),
+    };
+    const out2 = try renderUnmapped(&buf, &two, .all_accounts, false);
+    try std.testing.expect(std.mem.startsWith(u8, out2, "    schwab: 2 accounts not in accounts.srf, not reconciled\n"));
+    try std.testing.expect(std.mem.indexOf(u8, out2, "      Sample_Trust #3456\n") != null);
+}
+
+test "displayUnmapped: a skipped export lists its accounts only when asked" {
+    var buf: [512]u8 = undefined;
+
+    var one = [_]AccountComparison{testComparison("", "Sample_Account", "9012")};
+    try std.testing.expectEqualStrings(
+        "    schwab: its only account is not in accounts.srf; skipped (another portfolio's export?)\n",
+        try renderUnmapped(&buf, &one, .all_accounts, false),
+    );
+
+    var two = [_]AccountComparison{ testComparison("", "Sample_Account", "9012"), testComparison("", "Sample_Trust", "3456") };
+    try std.testing.expectEqualStrings(
+        "    schwab: none of its 2 accounts are in accounts.srf; skipped (another portfolio's export?)\n",
+        try renderUnmapped(&buf, &two, .all_accounts, false),
+    );
+    const listed = try renderUnmapped(&buf, &two, .all_accounts, true);
+    try std.testing.expect(std.mem.indexOf(u8, listed, "      Sample_Account #9012\n") != null);
+    try std.testing.expect(std.mem.indexOf(u8, listed, "      Sample_Trust #3456\n") != null);
+}
+
+test "displayUnmapped: silent when every account maps, and for a one-account export" {
+    var buf: [512]u8 = undefined;
+    var mapped = [_]AccountComparison{testComparison("Sample IRA", "Sample_IRA", "1234")};
+    try std.testing.expectEqualStrings("", try renderUnmapped(&buf, &mapped, .all_accounts, true));
+    // A one-account export's unmapped account gets the full report from
+    // displayResults instead.
+    var picked = [_]AccountComparison{testComparison("", "Sample_Account", "9012")};
+    try std.testing.expectEqualStrings("", try renderUnmapped(&buf, &picked, .one_account, true));
+}
+
+test "displayUnmapped: color mutes the note" {
+    var results = [_]AccountComparison{
+        testComparison("Sample IRA", "Sample_IRA", "1234"),
+        testComparison("", "Sample_Account", "9012"),
+    };
+    var buf: [512]u8 = undefined;
+    var w: std.Io.Writer = .fixed(&buf);
+    try displayUnmapped(AccountComparison, "schwab", splitUnmapped(AccountComparison, &results, .all_accounts), false, true, &w);
+    var seqbuf: [32]u8 = undefined;
+    const mute_seq = try std.fmt.bufPrint(&seqbuf, "\x1b[38;2;{d};{d};{d}m", .{ cli.CLR_MUTED[0], cli.CLR_MUTED[1], cli.CLR_MUTED[2] });
+    try std.testing.expect(std.mem.indexOf(u8, w.buffered(), mute_seq) != null);
+}

src/commands/audit/hygiene.zig

@@ -737,6 +737,42 @@ fn accumulatePresent(
     for (present) |num| try dst.append(allocator, try allocator.dupe(u8, num));
 }
 
+/// Report one discovered per-position export (Fidelity, a Schwab CSV,
+/// Wells Fargo): the full comparison when `verbose` or anything is off,
+/// else a one-line all-clear; then the export's unmapped accounts (see
+/// `common.splitUnmapped`). Returns false when the export was skipped as
+/// another portfolio's, so the caller leaves its accounts out of the
+/// "not found in any export" present-set. Reorders `results` in place.
+fn reportAccountExport(
+    allocator: std.mem.Allocator,
+    label: []const u8,
+    results: []common.AccountComparison,
+    scope: common.ExportScope,
+    portfolio: zfin.Portfolio,
+    prices: std.StringHashMap(f64),
+    account_map: analysis.AccountMap,
+    verbose: bool,
+    color: bool,
+    out: *std.Io.Writer,
+) !bool {
+    const view = common.splitUnmapped(common.AccountComparison, results, scope);
+    if (view.skipped()) {
+        try common.displayUnmapped(common.AccountComparison, label, view, verbose, color, out);
+        return false;
+    }
+
+    if (verbose or common.hasAccountDiscrepancies(view.shown)) {
+        try out.print("\n", .{});
+        try common.displayResults(view.shown, color, out);
+    } else {
+        try cli.printFg(out, color, cli.CLR_POSITIVE, "    {s}: {d} {s}, no discrepancies\n", .{ label, view.shown.len, common.accountsNoun(view.shown.len) });
+    }
+    // Always show ratio suggestions, even in compact mode.
+    try common.displayRatioSuggestions(allocator, view.shown, portfolio, prices, account_map, color, out);
+    try common.displayUnmapped(common.AccountComparison, label, view, verbose, color, out);
+    return true;
+}
+
 /// Run the flagless portfolio hygiene check.
 pub fn runHygieneCheck(
     io: std.Io,
@@ -1156,22 +1192,25 @@ pub fn runHygieneCheck(
                     };
                     defer allocator.free(results);
 
-                    if (verbose or schwab.hasSchwabDiscrepancies(results)) {
+                    // A summary paste covers every account on the page.
-                        try out.print("\n", .{});
+                    const view = common.splitUnmapped(schwab.SchwabAccountComparison, results, .all_accounts);
-                        try schwab.displaySchwabResults(results, color, out);
+                    if (view.skipped()) {
-                        try schwab.displaySchwabSummaryRatioSuggestions(allocator, results, portfolio, prices, account_map, as_of, color, out);
+                        try common.displayUnmapped(schwab.SchwabAccountComparison, "schwab summary", view, verbose, color, out);
-                    } else {
+                        continue;
-                        var acct_count: usize = 0;
-                        for (results) |r| {
-                            if (r.account_name.len > 0) acct_count += 1;
-                        }
-                        try cli.printFg(out, color, cli.CLR_POSITIVE, "    schwab summary: {d} accounts, no discrepancies\n", .{acct_count});
-                        // Always show ratio suggestions even in compact
-                        // mode - direct-indexing drift may cause a
-                        // non-zero delta that still deserves a nudge.
-                        try schwab.displaySchwabSummaryRatioSuggestions(allocator, results, portfolio, prices, account_map, as_of, color, out);
                     }
 
+                    if (verbose or schwab.hasSchwabDiscrepancies(view.shown)) {
+                        try out.print("\n", .{});
+                        try schwab.displaySchwabResults(view.shown, color, out);
+                    } else {
+                        try cli.printFg(out, color, cli.CLR_POSITIVE, "    schwab summary: {d} {s}, no discrepancies\n", .{ view.shown.len, common.accountsNoun(view.shown.len) });
+                    }
+                    // Always show ratio suggestions, even in compact mode -
+                    // direct-indexing drift may cause a non-zero delta that
+                    // still deserves a nudge.
+                    try schwab.displaySchwabSummaryRatioSuggestions(allocator, view.shown, portfolio, prices, account_map, as_of, color, out);
+                    try common.displayUnmapped(schwab.SchwabAccountComparison, "schwab summary", view, verbose, color, out);
+
                     try accumulatePresent(allocator, &schwab_present, schwab.SchwabAccountComparison, results);
                 },
                 .fidelity_csv => {
@@ -1184,17 +1223,9 @@ pub fn runHygieneCheck(
                         allocator.free(results);
                     }
 
-                    if (verbose or common.hasAccountDiscrepancies(results)) {
+                    // Fidelity's download covers every account in the login.
-                        try out.print("\n", .{});
+                    if (try reportAccountExport(allocator, "fidelity", results, .all_accounts, portfolio, prices, account_map, verbose, color, out))
-                        try common.displayResults(results, color, out);
+                        try accumulatePresent(allocator, &fidelity_present, common.AccountComparison, results);
-                        try common.displayRatioSuggestions(allocator, results, portfolio, prices, account_map, color, out);
-                    } else {
-                        try cli.printFg(out, color, cli.CLR_POSITIVE, "    fidelity: {d} accounts, no discrepancies\n", .{results.len});
-                        // Always show ratio suggestions even in compact mode
-                        try common.displayRatioSuggestions(allocator, results, portfolio, prices, account_map, color, out);
-                    }
-
-                    try accumulatePresent(allocator, &fidelity_present, common.AccountComparison, results);
                 },
                 .schwab_csv => {
                     const results = schwab.reconcileCsv(allocator, portfolio, file_data, account_map, prices, as_of) catch |err| {
@@ -1206,16 +1237,8 @@ pub fn runHygieneCheck(
                         allocator.free(results);
                     }
 
-                    if (verbose or common.hasAccountDiscrepancies(results)) {
+                    if (try reportAccountExport(allocator, "schwab", results, schwab.csvScope(file_data), portfolio, prices, account_map, verbose, color, out))
-                        try out.print("\n", .{});
+                        try accumulatePresent(allocator, &schwab_present, common.AccountComparison, results);
-                        try common.displayResults(results, color, out);
-                        try common.displayRatioSuggestions(allocator, results, portfolio, prices, account_map, color, out);
-                    } else {
-                        try cli.printFg(out, color, cli.CLR_POSITIVE, "    schwab: {d} accounts, no discrepancies\n", .{results.len});
-                        try common.displayRatioSuggestions(allocator, results, portfolio, prices, account_map, color, out);
-                    }
-
-                    try accumulatePresent(allocator, &schwab_present, common.AccountComparison, results);
                 },
                 .wells_fargo_xls => {
                     var rec = wells_fargo.reconcileXls(allocator, portfolio, file_data, account_map, prices, as_of) catch |err| switch (err) {
@@ -1227,25 +1250,9 @@ pub fn runHygieneCheck(
                     };
                     defer rec.deinit(allocator);
 
-                    // One WF download covers a whole household. If none of
+                    // One WF download covers a whole household.
-                    // its accounts is in this portfolio's accounts.srf, it is
+                    if (try reportAccountExport(allocator, "wells fargo", rec.results, .all_accounts, portfolio, prices, account_map, verbose, color, out))
-                    // someone else's export sitting in a shared directory;
+                        try accumulatePresent(allocator, &wells_fargo_present, common.AccountComparison, rec.results);
-                    // listing every account as a discrepancy would be noise.
-                    if (!rec.mapsAnyAccount()) {
-                        try cli.printFg(out, color, cli.CLR_MUTED, "    wells fargo: none of its {d} accounts are in accounts.srf; skipped (another portfolio's export?)\n", .{rec.results.len});
-                        continue;
-                    }
-
-                    if (verbose or common.hasAccountDiscrepancies(rec.results)) {
-                        try out.print("\n", .{});
-                        try common.displayResults(rec.results, color, out);
-                        try common.displayRatioSuggestions(allocator, rec.results, portfolio, prices, account_map, color, out);
-                    } else {
-                        try cli.printFg(out, color, cli.CLR_POSITIVE, "    wells fargo: {d} accounts, no discrepancies\n", .{rec.results.len});
-                        try common.displayRatioSuggestions(allocator, rec.results, portfolio, prices, account_map, color, out);
-                    }
-
-                    try accumulatePresent(allocator, &wells_fargo_present, common.AccountComparison, rec.results);
                 },
             }
         }
@@ -2702,3 +2709,99 @@ test "printLargeLotWarning: an undated stock lot keeps the literal date in dest_
     try std.testing.expect(std.mem.indexOf(u8, output, "transfer::<DATE>,") != null);
     try std.testing.expect(std.mem.indexOf(u8, output, "dest_lot::VTI@1970-01-01") != null);
 }
+
+test "runHygieneCheck: discovered exports set unmapped accounts aside unless one was picked on purpose" {
+    const allocator = std.testing.allocator;
+    const io = std.testing.io;
+    var tmp = std.testing.tmpDir(.{});
+    defer tmp.cleanup();
+
+    try tmp.dir.writeFile(io, .{
+        .sub_path = "portfolio.srf",
+        .data = "#!srfv1\nsymbol::VTI,shares:num:100,open_date::2024-01-15,open_price:num:200,price:num:300,account::Sample IRA\n",
+    });
+    try tmp.dir.writeFile(io, .{
+        .sub_path = "accounts.srf",
+        .data = "#!srfv1\naccount::Sample IRA,tax_type::traditional,institution::schwab,account_number::1234\n",
+    });
+
+    const header = "\"Symbol\",\"Description\",\"Price Chng $ (Price Change $)\",\"Price Chng % (Price Change %)\",\"Price\",\"Qty (Quantity)\",\"Day Chng $ (Day Change $)\",\"Day Chng % (Day Change %)\",\"Mkt Val (Market Value)\",\"Cost Basis\",\"Gain $ (Gain/Loss $)\",\"Gain % (Gain/Loss %)\",\"Ratings\",\"Reinvest?\",\"Reinvest Capital Gains?\",\"% of Acct (% of Account)\",\"Asset Type\",\n";
+    const vti = "\"VTI\",\"VANGUARD TOTAL STOCK MARKET ETF\",\"1.10\",\"0.37%\",\"300.00\",\"100\",\"$110.00\",\"0.37%\",\"$30,000.00\",\"$20,000.00\",\"$10,000.00\",\"50%\",\"--\",\"No\",\"N/A\",\"100%\",\"ETFs & Closed End Funds\",\n";
+    const aapl = "\"AAPL\",\"APPLE INC\",\"2.00\",\"1%\",\"200.00\",\"10\",\"$20.00\",\"1%\",\"$2,000.00\",\"$1,500.00\",\"$500.00\",\"33.33%\",\"B\",\"No\",\"N/A\",\"100%\",\"Equity\",\n";
+    const all_title = "\"Positions for All-Accounts as of 08:47 AM ET, 10/06/2026\"\n\n";
+    try tmp.dir.createDirPath(io, "audit");
+    // Every account: ours (1234), plus one this portfolio doesn't track.
+    try tmp.dir.writeFile(io, .{
+        .sub_path = "audit/all.csv",
+        .data = all_title ++ "\"Sample_IRA ...1234\"\n" ++ header ++ vti ++ "\n\n\"Sample_Account ...9012\"\n" ++ header ++ aapl,
+    });
+    // One account, picked on purpose - and unmapped, which is a setup error.
+    try tmp.dir.writeFile(io, .{
+        .sub_path = "audit/one.csv",
+        .data = "\"Positions for account Sample Brokerage ...5678 as of 10:00 AM ET, 2026/06/27\"\n\n" ++ header ++ aapl,
+    });
+    // Every account of a login none of whose accounts are ours.
+    try tmp.dir.writeFile(io, .{
+        .sub_path = "audit/other.csv",
+        .data = all_title ++ "\"Sample_Other ...3456\"\n" ++ header ++ aapl,
+    });
+    // Same rule for other brokers' all-accounts exports: a Fidelity
+    // download of someone else's login is skipped...
+    try tmp.dir.writeFile(io, .{
+        .sub_path = "audit/fidelity.csv",
+        .data = "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,Sample Fid,AAPL,APPLE INC,10,$200.00,+$2.00,$2000.00,+$20.00,+1%,+$500.00,+33%,100%,$1500.00,$150.00,Margin,\n" ++
+            "\n" ++
+            "\"Brokerage services are provided by Fidelity Brokerage Services LLC (FBS), 900 Salem Street, Smithfield, RI 02917. ...\"\n",
+    });
+    // ...and a summary paste reconciles our account, noting the other.
+    try tmp.dir.writeFile(io, .{
+        .sub_path = "audit/summary.txt",
+        .data = "Sample IRA\nAccount number ending in 1234 ...1234\nType IRA $0.00 $30,000.00 +$0.00 +0%\n" ++
+            "Sample Account\nAccount number ending in 9012 ...9012\nType Brokerage $0.00 $2,000.00 +$0.00 +0%\n",
+    });
+
+    var path_buf: [std.fs.max_path_bytes]u8 = undefined;
+    const dir_len = try tmp.dir.realPathFile(io, ".", &path_buf);
+    const dir = path_buf[0..dir_len];
+
+    // No API keys / no server / no ZFIN_AUDIT_FILES -> hermetic; only
+    // the portfolio's own audit/ directory is searched.
+    var svc = zfin.DataService.init(io, allocator, .{ .cache_dir = dir });
+    defer svc.deinit();
+    var env = try std.testing.environ.createMap(allocator);
+    defer env.deinit();
+
+    const pf_path = try std.fs.path.join(allocator, &.{ dir, "portfolio.srf" });
+    defer allocator.free(pf_path);
+
+    var aw: std.Io.Writer.Allocating = .init(allocator);
+    defer aw.deinit();
+
+    // wall-clock required: discovery keeps only exports modified in the
+    // last 24 hours, judged against the real mtimes of the files above.
+    const now_s = std.Io.Timestamp.now(io, .real).toSeconds();
+    try runHygieneCheck(io, allocator, &env, &svc, pf_path, &.{pf_path}, 3, false, zfin.Date.fromYmd(2026, 10, 6), now_s, false, .never, &aw.writer);
+    const out = aw.written();
+
+    // all.csv: the mapped account reconciles clean; the other is named
+    // on one muted line, not reported as a discrepancy.
+    try std.testing.expect(std.mem.indexOf(u8, out, "    schwab: 1 account, no discrepancies\n") != null);
+    try std.testing.expect(std.mem.indexOf(u8, out, "    schwab: 1 account not in accounts.srf, not reconciled\n      Sample_Account #9012\n") != null);
+    try std.testing.expect(std.mem.indexOf(u8, out, "Sample_Account #9012  (unmapped") == null);
+
+    // one.csv: the full unmapped report, as before.
+    try std.testing.expect(std.mem.indexOf(u8, out, "Sample Brokerage #5678  (unmapped - add account_number to accounts.srf)") != null);
+
+    // other.csv: skipped, and its account not listed in a routine audit.
+    try std.testing.expect(std.mem.indexOf(u8, out, "    schwab: its only account is not in accounts.srf; skipped (another portfolio's export?)\n") != null);
+    try std.testing.expect(std.mem.indexOf(u8, out, "Sample_Other") == null);
+
+    // fidelity.csv: likewise skipped.
+    try std.testing.expect(std.mem.indexOf(u8, out, "    fidelity: its only account is not in accounts.srf; skipped (another portfolio's export?)\n") != null);
+    try std.testing.expect(std.mem.indexOf(u8, out, "Sample Fid") == null);
+
+    // summary.txt: totals reconcile for ours; the other is noted.
+    try std.testing.expect(std.mem.indexOf(u8, out, "    schwab summary: 1 account, no discrepancies\n") != null);
+    try std.testing.expect(std.mem.indexOf(u8, out, "    schwab summary: 1 account not in accounts.srf, not reconciled\n      Sample Account #9012\n") != null);
+}

src/commands/audit/schwab.zig

@@ -15,6 +15,7 @@ const reconcile = @import("../../analytics/reconcile.zig");
 pub const SchwabAccountComparison = reconcile.SchwabAccountComparison;
 pub const compareSchwabSummary = reconcile.compareSchwabSummary;
 pub const reconcileCsv = reconcile.reconcileCsv;
+pub const csvScope = reconcile.schwabCsvScope;
 pub const reconcileSummary = reconcile.reconcileSummary;
 pub const hasSchwabDiscrepancies = reconcile.hasSchwabDiscrepancies;
 
@@ -33,7 +34,7 @@ pub fn displaySchwabResults(results: []const SchwabAccountComparison, color: boo
     var discrepancy_count: usize = 0;
 
     for (results) |r| {
-        const label = if (r.account_name.len > 0) r.account_name else r.schwab_name;
+        const label = if (r.account_name.len > 0) r.account_name else r.brokerage_name;
 
         var br_cash_buf: [24]u8 = undefined;
         var br_total_buf: [24]u8 = undefined;
@@ -200,14 +201,14 @@ pub fn displaySchwabSummaryRatioSuggestions(
 test "displaySchwabResults: renders mapped/cash/value/unmapped rows and totals" {
     const results = [_]SchwabAccountComparison{
         // clean mapped -> no status
-        .{ .account_name = "Sample Roth", .schwab_name = "Roth IRA", .account_number = "1234", .portfolio_cash = 100, .schwab_cash = 100, .cash_delta = 0, .portfolio_total = 5000, .schwab_total = 5000, .total_delta = 0, .has_discrepancy = false },
+        .{ .account_name = "Sample Roth", .brokerage_name = "Roth IRA", .account_number = "1234", .portfolio_cash = 100, .schwab_cash = 100, .cash_delta = 0, .portfolio_total = 5000, .schwab_total = 5000, .total_delta = 0, .has_discrepancy = false },
         // cash mismatch -> "Cash +$5.00", counts as a real mismatch
-        .{ .account_name = "Sample Trust", .schwab_name = "Trust", .account_number = "5678", .portfolio_cash = 95, .schwab_cash = 100, .cash_delta = 5, .portfolio_total = 8000, .schwab_total = 8005, .total_delta = 5, .has_discrepancy = true },
+        .{ .account_name = "Sample Trust", .brokerage_name = "Trust", .account_number = "5678", .portfolio_cash = 95, .schwab_cash = 100, .cash_delta = 5, .portfolio_total = 8000, .schwab_total = 8005, .total_delta = 5, .has_discrepancy = true },
         // value delta within the CD band (cash ok) -> muted "Value
         // +$100.00", shown but not counted as a real mismatch
-        .{ .account_name = "Sample HSA", .schwab_name = "HSA", .account_number = "9012", .portfolio_cash = 50, .schwab_cash = 50, .cash_delta = 0, .portfolio_total = 1000, .schwab_total = 1100, .total_delta = 100, .cd_allowance = 200, .has_discrepancy = false },
+        .{ .account_name = "Sample HSA", .brokerage_name = "HSA", .account_number = "9012", .portfolio_cash = 50, .schwab_cash = 50, .cash_delta = 0, .portfolio_total = 1000, .schwab_total = 1100, .total_delta = 100, .cd_allowance = 200, .has_discrepancy = false },
         // unmapped, null broker fields -> "Unmapped" + "--", counts as a real mismatch
-        .{ .account_name = "", .schwab_name = "Sample Brokerage 3456", .account_number = "3456", .portfolio_cash = 0, .schwab_cash = null, .cash_delta = null, .portfolio_total = 0, .schwab_total = null, .total_delta = null, .has_discrepancy = true },
+        .{ .account_name = "", .brokerage_name = "Sample Brokerage 3456", .account_number = "3456", .portfolio_cash = 0, .schwab_cash = null, .cash_delta = null, .portfolio_total = 0, .schwab_total = null, .total_delta = null, .has_discrepancy = true },
     };
 
     var buf: [4096]u8 = undefined;
@@ -220,7 +221,7 @@ test "displaySchwabResults: renders mapped/cash/value/unmapped rows and totals"
     try std.testing.expect(std.mem.indexOf(u8, out, "Cash +") != null);
     try std.testing.expect(std.mem.indexOf(u8, out, "Value +") != null);
     try std.testing.expect(std.mem.indexOf(u8, out, "Unmapped") != null);
-    // unmapped row falls back to the schwab_name label
+    // unmapped row falls back to the brokerage_name label
     try std.testing.expect(std.mem.indexOf(u8, out, "Sample Brokerage 3456") != null);
     try std.testing.expect(std.mem.indexOf(u8, out, "--") != null);
     try std.testing.expect(std.mem.indexOf(u8, out, "Total: portfolio") != null);
@@ -232,7 +233,7 @@ test "displaySchwabResults: renders mapped/cash/value/unmapped rows and totals"
 
 test "displaySchwabResults: color=true emits ANSI and singular label" {
     const results = [_]SchwabAccountComparison{
-        .{ .account_name = "", .schwab_name = "Sample Brokerage 9999", .account_number = "9999", .portfolio_cash = 0, .schwab_cash = null, .cash_delta = null, .portfolio_total = 0, .schwab_total = null, .total_delta = null, .has_discrepancy = true },
+        .{ .account_name = "", .brokerage_name = "Sample Brokerage 9999", .account_number = "9999", .portfolio_cash = 0, .schwab_cash = null, .cash_delta = null, .portfolio_total = 0, .schwab_total = null, .total_delta = null, .has_discrepancy = true },
     };
     var buf: [2048]u8 = undefined;
     var w: std.Io.Writer = .fixed(&buf);
@@ -249,7 +250,7 @@ test "displaySchwabResults: value delta with no CD or options warns and counts"
     // The Kelly-IRA shape: cash matches to the penny, but the total is
     // off (a missing lot). No CD, no options -> a real, counted warning.
     const results = [_]SchwabAccountComparison{
-        .{ .account_name = "Sample IRA", .schwab_name = "IRA", .account_number = "1234", .portfolio_cash = 100, .schwab_cash = 100, .cash_delta = 0, .portfolio_total = 250000, .schwab_total = 251740.29, .total_delta = 1740.29, .has_discrepancy = true },
+        .{ .account_name = "Sample IRA", .brokerage_name = "IRA", .account_number = "1234", .portfolio_cash = 100, .schwab_cash = 100, .cash_delta = 0, .portfolio_total = 250000, .schwab_total = 251740.29, .total_delta = 1740.29, .has_discrepancy = true },
     };
     var buf: [4096]u8 = undefined;
     var w: std.Io.Writer = .fixed(&buf);
@@ -269,9 +270,9 @@ test "displaySchwabResults: CD-band and option value deltas are muted, shown, an
     // is warning-colored and neither counts as a mismatch.
     const results = [_]SchwabAccountComparison{
         // CD account: $8.70 mark sits within a $154 band -> expected/muted.
-        .{ .account_name = "Sample IRA", .schwab_name = "IRA", .account_number = "1234", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 100000, .schwab_total = 99991.30, .total_delta = -8.70, .cd_allowance = 154, .has_discrepancy = true },
+        .{ .account_name = "Sample IRA", .brokerage_name = "IRA", .account_number = "1234", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 100000, .schwab_total = 99991.30, .total_delta = -8.70, .cd_allowance = 154, .has_discrepancy = true },
         // Option account: cost-vs-market gap is unbounded -> muted, drill down.
-        .{ .account_name = "Sample Roth", .schwab_name = "Roth", .account_number = "5678", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 50000, .schwab_total = 55000, .total_delta = 5000, .has_options = true, .has_discrepancy = true },
+        .{ .account_name = "Sample Roth", .brokerage_name = "Roth", .account_number = "5678", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 50000, .schwab_total = 55000, .total_delta = 5000, .has_options = true, .has_discrepancy = true },
     };
     var buf: [4096]u8 = undefined;
     var w: std.Io.Writer = .fixed(&buf);
@@ -310,7 +311,7 @@ test "displaySchwabSummaryRatioSuggestions: emits ratio drift for single-lot dir
 
     // total_delta 1000 on a 50000 stock value -> suggested ratio 1.02 vs 1.0.
     const results = [_]SchwabAccountComparison{
-        .{ .account_name = "Sample Brokerage", .schwab_name = "Brokerage", .account_number = "1234", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 50000, .schwab_total = 51000, .total_delta = 1000, .has_discrepancy = true },
+        .{ .account_name = "Sample Brokerage", .brokerage_name = "Brokerage", .account_number = "1234", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 50000, .schwab_total = 51000, .total_delta = 1000, .has_discrepancy = true },
     };
 
     var buf: [2048]u8 = undefined;
@@ -330,7 +331,7 @@ test "displaySchwabSummaryRatioSuggestions: no account_map produces no output" {
     defer prices.deinit();
 
     const results = [_]SchwabAccountComparison{
-        .{ .account_name = "Sample Brokerage", .schwab_name = "Brokerage", .account_number = "1234", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 50000, .schwab_total = 51000, .total_delta = 1000, .has_discrepancy = true },
+        .{ .account_name = "Sample Brokerage", .brokerage_name = "Brokerage", .account_number = "1234", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 50000, .schwab_total = 51000, .total_delta = 1000, .has_discrepancy = true },
     };
     var buf: [512]u8 = undefined;
     var w: std.Io.Writer = .fixed(&buf);
@@ -355,7 +356,7 @@ test "displaySchwabSummaryRatioSuggestions: non-direct-indexing account is skipp
     try prices.put("SPY", 500.0);
 
     const results = [_]SchwabAccountComparison{
-        .{ .account_name = "Sample Brokerage", .schwab_name = "Brokerage", .account_number = "1234", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 50000, .schwab_total = 51000, .total_delta = 1000, .has_discrepancy = true },
+        .{ .account_name = "Sample Brokerage", .brokerage_name = "Brokerage", .account_number = "1234", .portfolio_cash = 0, .schwab_cash = 0, .cash_delta = 0, .portfolio_total = 50000, .schwab_total = 51000, .total_delta = 1000, .has_discrepancy = true },
     };
     var buf: [512]u8 = undefined;
     var w: std.Io.Writer = .fixed(&buf);