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Monthly summary: - GET /api/summary/monthly returns income, bills, actuals, one-time expense totals and surplus/deficit for a given month - MonthlySummary page shows stat cards and breakdown table Annual overview: - AnnualOverview page fetches all 12 months in parallel via Promise.all - Year navigation, summary cards, monthly table with totals row - Fix: normalize nested API response to flat fields expected by component Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>