Budget: the monthly cap counts out-of-pocket money; credit is limited by its pool (#193) credit_covered(): what an expiring pool's prepaid credit paid this month, within its balance and before it lapses, is left out of the month TIME_MONTHLY_USD caps. Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_017K4vyY3yUD3GsvoZaAtKkD