428e18bb41d556f6046a1d7855f1d1fb2d746931
formatDate was parsing UTC timestamps in local time, shifting dates back a day in western timezones. Strip the time portion before parsing so dates display correctly. Revert interest calculation from daily accrual back to standard monthly compounding (rate/12) with per-payment rounding. This matches how mortgage servicers calculate interest and produces correct amortization schedules. Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>
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