desc:'The old table is gone. Bills now show as clean cards with icon actions, inline debt details (APR colour-coded, current balance), and a Columns button to choose exactly which fields are displayed — remembered across sessions.',
desc:'The payoff sidebar updates instantly as you type your extra monthly budget — no save required. The projection now includes a minimum-only baseline so you can see exactly how many months and dollars the snowball saves you.',
desc:'Your last 3 sign-ins are recorded with timestamp, IP address, and browser. Click the Last Login field on your Profile page to see the full history.',
desc:'The XLSX import page has a new Bills tab. Select any existing bill and import its entire history from the spreadsheet in one click — no row-by-row review needed.',
desc:'New backend math service: monthly interest, months to payoff, total interest, and full amortization schedules. Available via GET /api/bills/:id/amortization.',