Count hand-valued assets into the wealth figure

A wealth figure that ignores the house is not a wealth figure. Assets
without a market feed - a house, a car, a private loan - are now added
by hand on the Wealth page with a stated value, a currency and the day
the estimate was made; a negative value records a liability. They are
registry entities in assets.finance like everything else, join the
per-currency totals immediately, and a currency held only in an asset
earns its own line.

OPERATIONS.txt

@@ -147,8 +147,14 @@ this is not local AI and cannot promise that a remote provider honors policy.
 
 Each classification sends the transaction date, signed amount, currency,
 merchant and counterparty text, account institution/currency, the complete
-leaf-category registry for the transaction kind, all tags and all merchants
-with their real local IDs. Identifier-only redaction removes IBANs (with a
+leaf-category registry for the transaction kind, all tags and all merchants.
+Names, paths, hints and aliases remain available, but registry IDs use short
+request-local references (c1, m1, t1), including merchant usual categories and
+history. History includes only categories offered for that transaction kind.
+Responses are mapped back to canonical IDs and validated locally; canonical
+IDs are not accepted as alternative response references. This keeps the full
+registry without the long-ID schema overhead that providers can reject.
+Identifier-only redaction removes IBANs (with a
 directly attached BIC), labeled BIC/SWIFT references, UUIDs, URLs/emails,
 labeled payment or customer references, card fragments, long digit-bearing
 tokens, the row's own IDs, account labels and configured private names. A
@@ -536,10 +542,13 @@ repeats daily. Nothing is committed when no quote changed.
 
 A holding's value is its share count times its quote, rounded half away from
 zero to money's four places. Positions is that value summed per account, wealth
-is cash plus positions, and result is value plus everything the position
-returned less everything put into it - the outcome to date, realised and not.
-None of these figures are read from the DuckDB index: the report is recomputed
-from the journal so it can be checked against a broker's own screen.
+is cash plus positions plus hand-valued assets, and result is value plus
+everything the position returned less everything put into it - the outcome to
+date, realised and not. A hand-valued asset (a house, a car, a private loan) is
+entered on the Wealth page with a stated value, a currency and the day the
+estimate was made; a negative value records a liability. None of these figures
+are read from the DuckDB index: the report is recomputed from the journal so it
+can be checked against a broker's own screen.
 
 A broker reuses one reference across every leg of an economic event: the cash
 and position sides of a corporate action arrive with the same reference byte for
@@ -652,6 +661,7 @@ finance/
   tags.finance
   merchants.finance
   instruments.finance
+  assets.finance
   journal/YYYY/YYYY-MM.finance
   state/sync-state.json       sensitive local consent/session metadata
   state/openrouter.json       sensitive UI-managed OpenRouter key or explicit disable
@@ -738,9 +748,9 @@ recurring payees classify locally without any provider request.
 The finished run is a read-only preview. Apply all/selected writes all
 selected changes in one canonical commit; financial facts never change. A
 manual edit, external journal change or taxonomy change invalidates old previews.
-Previews are kept in memory for up to one hour and disappear on restart. Cancel
-writes nothing. Transfers and broker facts are skipped, and unselected fields
-are preserved.
+Previews are kept in memory for up to 24 hours from the start of analysis and
+disappear on restart. Cancel writes nothing. Transfers and broker facts are
+skipped, and unselected fields are preserved.
 When a selected transaction is linked to a merchant, applying the preview and
 manual transaction edits may add its normalized counterparty as an alias if
 that alias is unambiguous and the merchant has fewer than 32 aliases. A new