{icon:'❄️',title:'Debt Snowball',desc:'New Snowball page: drag-and-drop debt ordering, Dave Ramsey payoff projections, avalanche method comparison, and balance update by clicking any balance figure.'},
{icon:'💳',title:'Debt Details on Bills',desc:'Add current balance, minimum payment, and APR directly to any bill. Bills in Credit Cards, Loans, and Mortgage categories are auto-detected.'},
{icon:'📉',title:'Payment → Balance Sync',desc:'Recording a payment on a debt bill automatically reduces its current balance (principal = payment minus one month of interest). Un-marking a payment reverses the change.'},