Use standard monthly compounding for all loan types

Daily accrual made HELOC estimates worse due to front-loaded 31-day
months. Revert to rate/12 for all types - it's the standard amortization
method and works well for mortgages and personal loans. For HELOCs and
auto loans, differences from bank statements are typically due to
variable rates, extra payments, or daily billing conventions that a
fixed amortization schedule cannot capture.

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

frontend/src/views/loans/LoansView.vue

@@ -104,7 +104,7 @@
       </v-card>
 
       <v-alert v-if="loanDetail" type="info" variant="tonal" density="compact" class="mb-4">
-        Amounts shown are estimates using {{ isDailyAccrualAccount ? 'daily interest accrual' : 'standard monthly compounding' }}. Actual values may differ slightly due to your lender's rounding practices.
+        Amounts shown are estimates based on standard monthly compounding. Actual values may differ due to your lender's rounding practices, extra payments, or rate changes.
       </v-alert>
 
       <!-- Amortization Schedule -->
@@ -269,17 +269,10 @@ const snackbarText = ref('')
 const snackbarColor = ref('success')
 
 const loanAccountTypes = ['AutoLoan', 'PersonalLoan', 'Mortgage', 'LineOfCredit']
-const dailyAccrualTypes = ['AutoLoan', 'LineOfCredit']
-
 const loanAccounts = computed(() =>
   accountsStore.accounts.filter(a => a.hasLoanDetail || loanAccountTypes.includes(a.type))
 )
 
-const isDailyAccrualAccount = computed(() => {
-  const account = accountsStore.accounts.find(a => a.id === props.id)
-  return account ? dailyAccrualTypes.includes(account.type) : false
-})
-
 const amortHeaders = [
   { title: '#', key: 'paymentNumber', width: '60px' },
   { title: 'Date', key: 'paymentDate', width: '110px' },