v0.4.2 Fixes

[kryptodrex]

v0.4.2 Work Plan

Status keys:

• [ ] Planned
• [-] In Progress
• [x] Done

Release notes discipline:

• Add a user-facing RELEASE_NOTES.md bullet when each parent item reaches Done.
• Keep release-note wording focused on outcomes, not implementation details.

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1. Fix: "Add Loan" Button Centering When Loans Section Is Empty

Parent status: [x] Done

• Center the "Add loan" CTA in the empty state of the Loans section.
• Add/update tests where necessary.

Done definition:

• Empty Loans section displays "Add loan" button horizontally and vertically centered.

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2. Fix: Demo Data Over-Allocation Going Negative

Parent status: [x] Done

• Identify root cause of loan payments exceeding estimated net pay.
• Add combined safety cap so total bills + loan payments do not exceed 92% of estimated annual net.
• Add multi-seed regression test to demoDataGenerator.test.ts.

Done definition:

• Demo plans never open in a negative balance state regardless of randomly selected pay frequency or income level.

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3. Fix: View Mode Selector Missing Pay Cadence on New Plan Setup

Parent status: [x] Done

• Identify why the selector showed only 2 modes (no cadence tab) on first open.
• Pass favorites={undefined} when no stored viewModeFavorites exist so the auto-cadence logic in ViewModeSelector fires correctly.
• Auto-set the selected view mode to the user's pay cadence when they first enter the plan from setup

Done definition:

• First-opened plan after setup wizard shows 3 tabs in the view mode selector, including the user's chosen pay frequency, and chosen pay frequency is selected

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Final v0.4.2 Exit Checklist

• All parent items above are marked [x] Done or explicitly deferred.
• RELEASE_NOTES.md updated with completed v0.4.2 user-facing items.
• Lint, typecheck, tests, and build pass for merged changes.