Let reviews see low-confidence suggestions and rebase preview applies

A low-confidence answer was discarded inside Classify, so Analyse showed
the row as unchanged instead of a reviewable suggestion; the fallback
decision moves to the import path, which keeps the merchant link and the
recorded confidence. ApplyPreview now rebases onto the current journal:
unrelated commits during a minutes-long paced run no longer invalidate
the review, only an edit to a selected transaction itself conflicts, and
applied changes are pruned so the rest stay appliable.

internal/app/import.go

@@ -82,6 +82,12 @@ func (a *App) importFacts(ctx context.Context, s State, facts []domain.Facts, in
 		p, e := classification.Rules(t.Facts, s.Data)
 		if a.settings.ClassifyOnImport {
 			p, e = a.classifier.Classify(ctx, t.Facts, s.Data, false)
+			// A low-confidence category is never auto-applied on import: the
+			// merchant link and provenance stay, and Analyse shows the model's
+			// suggestion for review instead.
+			if e == nil && p.Enrichment.Classification.Confidence == "low" {
+				p.Enrichment.CategoryID = domain.Fallback(t.Facts).CategoryID
+			}
 		}
 		if e == nil {
 			e = addProposal(&s.Data, p, t.Facts)
@@ -927,6 +933,13 @@ func syncBackoff(now time.Time, ops operational) time.Duration {
 func (a *App) RunScheduler(ctx context.Context) {
 	timer := time.NewTimer(time.Minute)
 	defer timer.Stop()
+	// Prices keep their own clock: they come from a different provider, they are
+	// wanted even when no bank is connected, and a sync backoff must not delay
+	// them. The first run is shortly after start, so a fresh install or a
+	// restart does not leave a day's holdings unvalued waiting for the tick;
+	// after that it is daily, which is as often as a close changes.
+	prices := time.NewTimer(quoteStartup)
+	defer prices.Stop()
 	for {
 		force := false
 		select {
@@ -934,6 +947,10 @@ func (a *App) RunScheduler(ctx context.Context) {
 			return
 		case <-a.syncRequested:
 			force = true
+		case <-prices.C:
+			a.RefreshQuotes(ctx)
+			prices.Reset(quoteInterval)
+			continue
 		case <-timer.C:
 		}
 		a.mu.Lock()