[mamg97]

Root causes

• The private SPA only checked frontend release changes on focus; an already-open page could retain old finance snapshots and show a grey unallocated balance after canonical Sheets had been reconciled.
• The finance Worker treated unfunded / budget_funding_gap rows as funded reservations, causing an accounting over-allocation.
• A missing ReservasCuenta optional read could be mistaken for zero active reservations and mislabel cash as undetailed.

Fix

• Refresh only the finance scope when a private tab becomes visible/focused after a 60-second cooldown (no polling, no persistence).
• Filter genuinely unfunded / executed holds from liquidity allocations; retain the uncovered amount in budget reporting, not in the bank balance.
• Fail closed when the private allocation range lacks required source headers.
• Add synthetic unit tests for these behaviors. No private finance values in Git.

Validation

• Synthetic in-memory checks passed prior to commit; CI and private deployment remain to be verified.

Caveat

• Open production tabs need the new frontend version and authentication to receive fresh data; do not claim the UI is corrected until verified on the private app.