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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.