Account No now always holds a genuine reference for its transaction type (customer account, GL/facility code, IFSC, DD/PO/TDS/GST/cheque ref, or UTR/RRN/UMRN for RTGS/NEFT/UPI/ATM/NACH) instead of a plain description. Branch 2's view derives its own valid-format account numbers and IFSC codes by shifting the numeric segment, rather than tagging a "BR2-" prefix onto Branch 1's values, which looked fake for standardized formats. Voucher/reference numbers' baked-in "2607" (Jul 2026) tag is now derived from the real current date at render time, so it won't go stale next month. feat(clients): auto-calculate Monthly/Annual Income and Turnover Typing either the monthly or annual figure now fills in the other at a 12x ratio (rounded to 2 decimals, no trailing ".00" on whole numbers). Guarded against firing during prefillForEdit()'s initial load of an existing client's independently-saved values, so editing doesn't silently overwrite historical data that wasn't an exact 12x match. Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>