Implement banking system features and enhancements

- Added banking mode with checking, savings, and charity accounts, including auto-split options for income.
- Introduced banking transaction management, including transfers and charity outflows.
- Updated family settings to allow configuration of banking features and interest rates.
- Enhanced data export functionality to include bank transactions.
- Improved user interface to display banking information and donation goals.
- Updated documentation to reflect new banking features and settings.

api/chore_review.php

@@ -2,12 +2,16 @@
 
 require_once __DIR__ . '/../includes/api_bootstrap.php';
 require_once __DIR__ . '/../includes/chore_helpers.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+require_once __DIR__ . '/../includes/banking_helpers.php';
 
 if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
     sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
 }
 
 $people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$familySettings = loadFamilySettings();
+$people = bankingApplySavingsInterestToPeople($people, $familySettings);
 $actor = requireActivePerson($people);
 if (($actor['role'] ?? '') !== ROLE_HEAD || !isHohVerified()) {
     sendJson(['success' => false, 'error' => 'Only a verified Head of household can review chores'], 403);
@@ -86,8 +90,25 @@ foreach ($people as $pi => $p) {
         $n = count($assignees);
         $creditedEach = $n > 0 ? round($value / $n, 2) : 0.0;
     }
-    $bal = $p['currency_balance'] ?? 0;
-    $people[$pi]['currency_balance'] = (is_numeric($bal) ? (float) $bal : 0.0) + $creditedEach;
+    if (bankingEnabled($familySettings)) {
+        $result = bankingCreditCheckingByRule($people[$pi], $creditedEach, $familySettings);
+        $people[$pi] = $result['person'];
+        appendBankTransaction([
+            'id' => bin2hex(random_bytes(8)),
+            'type' => 'income_chore',
+            'person_id' => $pid,
+            'amount' => bankingRoundMoney($creditedEach),
+            'allocations' => $result['allocations'],
+            'category' => 'chore',
+            'note' => (string) ($row['title'] ?? ''),
+            'created_at' => gmdate('c'),
+            'created_by' => (string) ($actor['id'] ?? ''),
+        ]);
+    } else {
+        $bal = $p['currency_balance'] ?? 0;
+        $people[$pi]['currency_balance'] = (is_numeric($bal) ? (float) $bal : 0.0) + $creditedEach;
+        $people[$pi]['checking_balance'] = $people[$pi]['currency_balance'];
+    }
     $creditedRecipients++;
 }