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Per-fund contribution and annual-rate assumptions are now editable in a Supuestos dialog on Pensiones and persisted server-side in UserSettings so projections survive devices and reloads; saldo inicial keeps coming from the latest snapshot (UX-12). The recurring-item dialog confirms before discarding unsaved edits, with the dirty baseline computed from the same values the populate effect sets (UX-06). Empty transaction lists now offer an inline add button (UX-14). Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>