v1.4.4: correct Fuliza available-to-borrow + real zero balance

Two display fixes:

1. 'Available to borrow' showed the raw ceiling (e.g. 18K) ignoring what's
   already drawn. M-PESA's 'Available Fuliza limit' is the headroom at that
   SMS, so ceiling = that reading + its outstanding (0 after a full clear);
   borrowable now = ceiling − current outstanding. Card also shows the limit.

2. Balance card had a 'balance > 0' filter that skipped genuine Ksh0.00
   readings and surfaced a stale positive balance instead. A real zero (spent
   down / running on Fuliza) now shows; only parser-default zeros on
   repayment/reversal/companion/unknown rows are skipped.

app/build.gradle.kts

@@ -27,8 +27,8 @@ android {
         applicationId = "com.ledga.app"
         minSdk = 26
         targetSdk = 34
-        versionCode = 13
-        versionName = "1.4.3"
+        versionCode = 14
+        versionName = "1.4.4"
 
         testInstrumentationRunner = "androidx.test.runner.AndroidJUnitRunner"
     }

app/src/main/java/com/ledga/app/data/db/dao/TransactionDao.kt

@@ -102,10 +102,18 @@ interface TransactionDao {
     """)
     fun getLatestTransaction(accountId: Long? = null): Flow<TransactionEntity?>
 
+    /**
+     * Latest wallet balance for the Balance card. A genuine Ksh0.00 (you spent
+     * down to nothing / are running on Fuliza) is a REAL balance and must show.
+     * We only skip rows whose balance is a parser-default 0 — Fuliza
+     * repayment/reversal/companion and unparsed SMS carry no balance of their
+     * own — so a stale positive balance never masks a true zero.
+     */
     @Query("""
         SELECT * FROM transactions
-        WHERE balance > 0
-          AND (:accountId IS NULL OR accountId = :accountId)
+        WHERE (:accountId IS NULL OR accountId = :accountId)
+          AND NOT (balance = 0 AND type IN
+              ('FULIZA_REPAYMENT','FULIZA_REVERSAL','REVERSAL','FULIZA','UNKNOWN'))
         ORDER BY timestamp DESC LIMIT 1
     """)
     fun getLatestTransactionWithBalance(accountId: Long? = null): Flow<TransactionEntity?>

app/src/main/java/com/ledga/app/ui/home/HomeScreen.kt

@@ -230,6 +230,7 @@ fun HomeScreen(
                 FulizaStatusCard(
                     outstanding = state.fulizaOutstanding,
                     available = state.fulizaAvailable,
+                    ceiling = state.fulizaCeiling,
                     asOf = state.fulizaOutstandingAt,
                 )
             }
@@ -441,7 +442,7 @@ private fun UpdateBanner(
 }
 
 @Composable
-private fun FulizaStatusCard(outstanding: Double?, available: Double?, asOf: Long?) {
+private fun FulizaStatusCard(outstanding: Double?, available: Double?, ceiling: Double?, asOf: Long?) {
     BentoCard(title = "Fuliza") {
         Row(
             modifier = Modifier.fillMaxWidth(),
@@ -478,11 +479,19 @@ private fun FulizaStatusCard(outstanding: Double?, available: Double?, asOf: Lon
                     style = LedgaText.TitleM,
                     color = MaterialTheme.colorScheme.onSurface,
                 )
+                ceiling?.let {
+                    Text(
+                        text = "of ${CurrencyFormatter.formatKshCompact(it)} limit",
+                        style = LedgaText.Caption,
+                        color = MaterialTheme.colorScheme.onSurfaceVariant,
+                    )
+                }
             }
         }
         // Usage bar — how deep into the limit the overdraft currently is.
-        if (outstanding != null && available != null && outstanding + available > 0) {
-            val usedFraction = (outstanding / (outstanding + available)).toFloat()
+        val barCeiling = ceiling ?: outstanding?.let { o -> available?.let { o + it } }
+        if (outstanding != null && barCeiling != null && barCeiling > 0) {
+            val usedFraction = (outstanding / barCeiling).toFloat()
             Box(
                 modifier = Modifier
                     .fillMaxWidth()

app/src/main/java/com/ledga/app/ui/home/HomeViewModel.kt

@@ -61,8 +61,10 @@ data class HomeUiState(
     val selectedAccountId: Long? = null,
     /** Latest known Fuliza outstanding (owed) — null when never seen in SMS. */
     val fulizaOutstanding: Double? = null,
-    /** Latest known available Fuliza limit (borrowable) — null when never seen. */
+    /** Headroom still borrowable now = ceiling − current outstanding. */
     val fulizaAvailable: Double? = null,
+    /** Total Fuliza ceiling (limit), independent of what's currently drawn. */
+    val fulizaCeiling: Double? = null,
     /** Timestamp of the SMS the outstanding figure came from — drives the "as of" caption. */
     val fulizaOutstandingAt: Long? = null,
 )
@@ -178,7 +180,14 @@ class HomeViewModel @Inject constructor(
             fulizaOutstandingAt = tx?.timestamp,
         )
     }.combine(transactionRepository.getLatestFulizaLimit()) { state, tx ->
-        state.copy(fulizaAvailable = tx?.fulizaLimit)
+        // M-PESA's "Available Fuliza limit" is the headroom remaining AT THAT
+        // SMS (ceiling − outstanding then). So ceiling = that reading + the
+        // outstanding it was reported alongside (0 after a full clear). The
+        // amount borrowable NOW = ceiling − current outstanding.
+        val ceiling = tx?.let { (it.fulizaLimit ?: 0.0) + (it.fulizaOutstanding ?: 0.0) }
+        val outstanding = state.fulizaOutstanding ?: 0.0
+        val available = ceiling?.let { (it - outstanding).coerceAtLeast(0.0) }
+        state.copy(fulizaAvailable = available, fulizaCeiling = ceiling)
     }.stateIn(viewModelScope, SharingStarted.WhileSubscribed(5000), HomeUiState())
 
     fun selectPeriod(period: Period) {