diff --git a/frontend/src/api/marketRefresh.ts b/frontend/src/api/marketRefresh.ts
index ab7cc5b..b0b1880 100644
--- a/frontend/src/api/marketRefresh.ts
+++ b/frontend/src/api/marketRefresh.ts
@@ -1,28 +1,37 @@
 import { apiGet, apiPost } from './client'
 
 export type AssetRefreshSourceStatus = {
   source: 'equity' | 'crypto' | 'fx'
   status: 'pending' | 'running' | 'complete' | 'failed' | 'skipped'
   stale_candidates: number
   updated_count: number
   error_code: string | null
+  fresh_unchanged_count: number
+  stale_remaining_count: number
+  failed_count: number
+  diagnostics: string[]
   started_at: string | null
   completed_at: string | null
 }
 export type AssetRefreshJob = {
   job_id: string
   status: 'queued' | 'running' | 'complete' | 'partial' | 'failed'
   requested_at: string
   completed_at: string | null
   stale_before: string
   progress: { completed: number; total: number }
   sources: AssetRefreshSourceStatus[]
   wealth_snapshot_created: boolean
   audit_recorded: boolean
+  successful_assets: number
+  fresh_unchanged_assets: number
+  stale_assets: number
+  failed_assets: number
+  next_action: string
   provider_calls_on_read: false
 }
 
 export const startAssetRefreshJob = () =>
   apiPost<AssetRefreshJob>('/api/market/asset-price-refresh', { stale_hours: 24 })
 export const getAssetRefreshJob = (jobId: string, refresh = true) =>
   apiGet<AssetRefreshJob>(`/api/market/asset-price-refresh/${encodeURIComponent(jobId)}`, { refresh })
diff --git a/frontend/src/components/wealth/AssetRefreshControl.vue b/frontend/src/components/wealth/AssetRefreshControl.vue
index 5950cea..43b0888 100644
--- a/frontend/src/components/wealth/AssetRefreshControl.vue
+++ b/frontend/src/components/wealth/AssetRefreshControl.vue
@@ -1,39 +1,45 @@
 <template>
   <section class="rounded-xl border border-slate-200 bg-slate-50 p-4" data-testid="asset-refresh-control">
     <div class="flex flex-wrap items-start justify-between gap-3">
       <div><h3 class="font-semibold text-slate-950">Assetpreise</h3><p class="mt-1 text-sm text-slate-600">Kontrollierte Aktualisierung aller konfigurierten Preisquellen. Fehler einer Quelle stoppen die übrigen Quellen nicht.</p></div>
       <button type="button" class="min-h-11 rounded-lg bg-cyan-700 px-4 py-2 text-sm font-semibold text-white disabled:cursor-not-allowed disabled:opacity-60" data-testid="asset-refresh-start" :disabled="starting || running" @click="start">{{ starting ? 'Wird gestartet…' : running ? 'Aktualisierung läuft…' : 'Alle Assetpreise aktualisieren' }}</button>
     </div>
     <p v-if="error" class="mt-3 rounded-lg bg-rose-50 p-3 text-sm text-rose-800" role="alert" data-testid="asset-refresh-error">{{ error }}</p>
     <div v-if="job" class="mt-4" aria-live="polite" data-testid="asset-refresh-status">
       <p class="text-sm font-semibold">Jobstatus: {{ statusLabel(job.status) }}</p>
+      <p v-if="job.status === 'partial'" class="mt-2 rounded-lg border border-amber-200 bg-amber-50 p-3 text-sm text-amber-950">Ein Teil der Preise wurde aktualisiert. Die übrigen Vermögenswerte bleiben mit ihrem letzten bekannten Kurs sichtbar.</p>
+      <p v-else-if="job.status === 'failed'" class="mt-2 rounded-lg border border-rose-200 bg-rose-50 p-3 text-sm text-rose-900">Es konnte keine verwertbare Preisquelle verarbeitet werden. Bestehende Bewertungen wurden nicht verändert.</p>
+      <p v-if="!running" class="mt-2 text-sm text-slate-700" data-testid="asset-refresh-summary">{{ job.successful_assets }} aktualisiert · {{ job.fresh_unchanged_assets }} bereits aktuell · {{ job.stale_assets }} weiterhin veraltet · {{ job.failed_assets }} mit Fehler</p>
+      <p v-if="!running" class="mt-1 text-xs text-slate-600">Nächste Aktion: {{ job.next_action }}</p>
       <ul class="mt-3 grid gap-2 sm:grid-cols-2 xl:grid-cols-3" data-testid="asset-refresh-sources">
         <li v-for="source in job.sources" :key="source.source" class="rounded-lg border border-slate-200 bg-white p-3 text-sm" :data-testid="`asset-refresh-source-${source.source}`">
           <div class="flex items-center justify-between gap-2"><strong>{{ sourceLabel(source.source) }}</strong><span :class="source.status === 'failed' ? 'text-rose-700' : 'text-slate-600'">{{ statusLabel(source.status) }}</span></div>
           <div class="mt-2 h-2 overflow-hidden rounded-full bg-slate-200" role="progressbar" :aria-label="`${sourceLabel(source.source)} Fortschritt`" :aria-valuenow="progress(source)" aria-valuemin="0" aria-valuemax="100"><div class="h-full rounded-full bg-cyan-600" :style="{ width: `${progress(source)}%` }" /></div>
-          <p class="mt-2 text-xs text-slate-600">{{ source.updated_count }} aktualisiert · {{ source.stale_candidates }} geprüft</p>
-          <p v-if="source.error_code" class="mt-1 text-xs text-rose-700">{{ source.error_code }}</p>
+          <p class="mt-2 text-xs text-slate-600">{{ source.updated_count }} aktualisiert · {{ source.fresh_unchanged_count }} bereits aktuell · {{ source.stale_remaining_count }} veraltet</p>
+          <p v-if="source.failed_count" class="mt-1 text-xs text-rose-700">{{ source.failed_count }} Instrument(e) konnten nicht aktualisiert werden.</p>
+          <details v-if="source.error_code || source.diagnostics.length" class="mt-2"><summary class="cursor-pointer text-xs font-semibold text-slate-500">Technische Details</summary><code class="mt-1 block break-all text-xs text-slate-500">{{ [source.error_code, ...source.diagnostics].filter(Boolean).join(' · ') }}</code></details>
         </li>
       </ul>
     </div>
   </section>
 </template>
 
 <script setup lang="ts">
 import { computed, onBeforeUnmount, ref } from 'vue'
 import { getAssetRefreshJob, startAssetRefreshJob, type AssetRefreshJob, type AssetRefreshSourceStatus } from '@/api/marketRefresh'
 const emit = defineEmits<{ completed: [] }>()
 const job = ref<AssetRefreshJob | null>(null)
 const starting = ref(false)
 const error = ref<string | null>(null)
 let pollTimer: ReturnType<typeof setTimeout> | null = null
 const running = computed(() => job.value?.status === 'queued' || job.value?.status === 'running')
 function statusLabel(value: string) { return ({ queued: 'Eingeplant', pending: 'Ausstehend', running: 'Läuft', complete: 'Abgeschlossen', skipped: 'Aktuell', partial: 'Teilweise abgeschlossen', failed: 'Fehlgeschlagen' } as Record<string, string>)[value] ?? value }
 function sourceLabel(value: AssetRefreshSourceStatus['source']) { return ({ equity: 'Aktien / ETF', crypto: 'Krypto', fx: 'FX' } as const)[value] }
 function progress(source: AssetRefreshSourceStatus) { return ['complete', 'failed', 'skipped'].includes(source.status) ? 100 : source.status === 'running' ? 50 : 0 }
-async function start() { if (starting.value || running.value) return; starting.value = true; error.value = null; try { job.value = await startAssetRefreshJob(); if (running.value) schedulePoll(); else emit('completed') } catch (cause) { error.value = cause instanceof Error ? cause.message : 'Aktualisierung konnte nicht gestartet werden.' } finally { starting.value = false } }
+function friendlyError(cause: unknown, fallback: string) { const message=cause instanceof Error?cause.message:''; return message.includes('valuation source observation conflicts')?'Die Preisaktualisierung konnte nicht sicher abgeschlossen werden. Bestehende Bewertungen bleiben erhalten.':message||fallback }
+async function start() { if (starting.value || running.value) return; starting.value = true; error.value = null; try { job.value = await startAssetRefreshJob(); if (running.value) schedulePoll(); else emit('completed') } catch (cause) { error.value = friendlyError(cause, 'Aktualisierung konnte nicht gestartet werden.') } finally { starting.value = false } }
 function schedulePoll() { if (pollTimer) clearTimeout(pollTimer); pollTimer = setTimeout(() => { void poll() }, 1000) }
-async function poll() { if (!job.value) return; try { job.value = await getAssetRefreshJob(job.value.job_id, true); if (running.value) schedulePoll(); else emit('completed') } catch (cause) { error.value = cause instanceof Error ? cause.message : 'Jobstatus konnte nicht geladen werden.' } }
+async function poll() { if (!job.value) return; try { job.value = await getAssetRefreshJob(job.value.job_id, true); if (running.value) schedulePoll(); else emit('completed') } catch (cause) { error.value = friendlyError(cause, 'Jobstatus konnte nicht geladen werden.') } }
 onBeforeUnmount(() => { if (pollTimer) clearTimeout(pollTimer) })
 defineExpose({ start, poll, job })
 </script>
diff --git a/frontend/src/components/wealth/WealthCockpitPanel.vue b/frontend/src/components/wealth/WealthCockpitPanel.vue
index 47a7461..b936269 100644
--- a/frontend/src/components/wealth/WealthCockpitPanel.vue
+++ b/frontend/src/components/wealth/WealthCockpitPanel.vue
@@ -1,119 +1,127 @@
 <template>
   <div class="space-y-5" data-testid="wealth-cockpit">
     <section class="rounded-2xl border border-slate-200 bg-white/90 p-4 sm:p-5">
       <div class="flex flex-wrap items-start justify-between gap-4">
         <div class="max-w-3xl">
           <p class="text-xs font-bold uppercase tracking-[0.18em] text-cyan-700">Vermögen</p>
-          <h2 class="mt-1 text-2xl font-bold text-slate-950">Modellierte Wertentwicklung</h2>
-          <p class="mt-1 text-sm text-slate-600">Geschätzte Entwicklung aus bestätigten Ankern, gespeicherten Tagesbewertungen und fortgeschriebenen bekannten Kontoständen. Keine verifizierte TTWROR oder XIRR.</p>
+          <h2 class="mt-1 text-2xl font-bold text-slate-950">Geschätzte Vermögensentwicklung</h2>
+          <p class="mt-1 text-sm text-slate-600">Seit dem letzten bestätigten Stand mit verfügbaren Marktpreisen fortgeschrieben.</p>
+          <details class="mt-2 text-sm text-slate-600"><summary class="cursor-pointer font-semibold text-cyan-800">Wie entsteht diese Schätzung?</summary><p class="mt-2">FinanceManager bewertet die zuletzt bestätigten Bestände mit verfügbaren Tageskursen weiter. Noch nicht importierte Käufe, Verkäufe, Dividenden, Gebühren oder andere Kontobewegungen können vorübergehend fehlen. Beim nächsten Import wird die Schätzung mit dem tatsächlichen Stand abgeglichen.</p></details>
         </div>
         <AssetRefreshControl @completed="load(true)" />
       </div>
       <AvailabilityState v-if="error" class="mt-4" state="error" title="Vermögens-Cockpit nicht verfügbar" :description="error" />
       <AvailabilityState v-else-if="loading && !cockpit" class="mt-4" state="loading" />
       <template v-else-if="modelled">
-        <div class="mt-5 grid gap-3 sm:grid-cols-2 xl:grid-cols-4" data-testid="modelled-kpis">
+        <div class="mt-5 grid gap-3 sm:grid-cols-2 xl:grid-cols-5" data-testid="modelled-kpis">
           <article class="rounded-xl border border-slate-200 bg-slate-50 p-4">
-            <p class="text-sm font-medium text-slate-600">Aktueller modellierter Gesamtwert</p>
+            <p class="text-sm font-medium text-slate-600">Geschätzter aktueller Wert</p>
             <p class="mt-2 text-xl font-bold text-slate-950">{{ moneyOrUnavailable(modelled.current?.value_chf) }}</p>
             <div class="mt-2 flex flex-wrap items-center gap-2 text-xs"><span :class="qualityClass(modelled.current?.quality)" data-testid="modelled-current-badge">{{ qualityLabel(modelled.current?.quality) }}</span><span class="text-slate-500">Stand {{ modelled.current ? dateLabel(modelled.current.date) : 'nicht verfügbar' }}</span></div>
           </article>
           <article class="rounded-xl border border-slate-200 bg-slate-50 p-4">
-            <p class="text-sm font-medium text-slate-600">Vergleichbarer Ausgangswert</p>
-            <p class="mt-2 text-xl font-bold text-slate-950">{{ moneyOrUnavailable(modelled.baseline?.value_chf) }}</p>
-            <p class="mt-2 text-xs text-slate-500">{{ modelled.baseline ? `${qualityLabel(modelled.baseline.quality)} · ${dateLabel(modelled.baseline.date)}` : 'Kein Ausgangswert' }}</p>
-            <p v-if="modelled.anchor" class="mt-1 text-xs text-slate-500">Wert am letzten bestätigten Importstichtag: {{ dateLabel(modelled.anchor.date) }} · {{ qualityLabel(modelled.anchor.quality) }}</p>
+            <p class="text-sm font-medium text-slate-600">Letzter bestätigter Stand</p>
+            <p class="mt-2 text-xl font-bold text-slate-950">{{ moneyOrUnavailable(modelled.anchor?.value_chf) }}</p>
+            <p class="mt-2 text-xs text-slate-500">{{ modelled.anchor ? `${dateLabel(modelled.anchor.date)} · ${qualityLabel(modelled.anchor.quality)}` : 'Kein bestätigter Stand' }}</p>
           </article>
           <article class="rounded-xl border border-slate-200 bg-slate-50 p-4">
             <p class="text-sm font-medium text-slate-600">Veränderung in CHF</p>
-            <p class="mt-2 text-xl font-bold text-slate-950">{{ signedMoney(modelled.change_chf) }}</p>
-            <p class="mt-2 text-xs text-slate-500">Seit dem gewählten Ausgangspunkt</p>
+            <p class="mt-2 text-xl font-bold text-slate-950">{{ signedMoney(anchorDifferenceChf) }}</p>
+            <p class="mt-2 text-xs text-slate-500">Schätzung minus bestätigter Stand</p>
           </article>
           <article class="rounded-xl border border-slate-200 bg-slate-50 p-4">
-            <p class="text-sm font-medium text-slate-600">Geschätzte Entwicklung</p>
-            <p class="mt-2 text-xl font-bold text-slate-950">{{ signedPercent(modelled.change_pct) }}</p>
-            <p class="mt-2 text-xs text-slate-500">Nicht als verifizierte Rendite verwenden</p>
+            <p class="text-sm font-medium text-slate-600">Differenz in Prozent</p>
+            <p class="mt-2 text-xl font-bold text-slate-950">{{ signedPercent(anchorDifferencePct) }}</p>
+            <p class="mt-2 text-xs text-slate-500">Keine Anlagerendite oder Gewinn-/Verlustangabe</p>
+          </article>
+          <article class="rounded-xl border border-slate-200 bg-slate-50 p-4">
+            <p class="text-sm font-medium text-slate-600">Verwendeter Kursstichtag</p>
+            <p class="mt-2 text-xl font-bold text-slate-950">{{ modelled.current ? dateLabel(modelled.current.date) : 'Nicht verfügbar' }}</p>
+            <p class="mt-2 text-xs text-slate-500">Bewertungen: {{ valuationCounts.current }} aktuell · {{ valuationCounts.stale }} veraltet · {{ valuationCounts.missing }} fehlend</p>
           </article>
         </div>
         <p v-if="modelled.unknown_accounts.length" class="mt-3 rounded-xl border border-amber-200 bg-amber-50 p-3 text-sm text-amber-950" data-testid="modelled-unknown-accounts">Bekannte Teilsumme: {{ modelled.unknown_accounts.length }} Position(en) oder Konto/Konten ohne belastbare Bewertung sind nicht enthalten. Die übrige Entwicklung bleibt sichtbar.</p>
       </template>
     </section>
 
     <template v-if="cockpit && modelled">
       <section class="grid gap-5 xl:grid-cols-[1.65fr_1fr]">
         <article class="min-w-0 rounded-2xl border border-slate-200 bg-white/90 p-4 sm:p-5" data-testid="modelled-history">
-          <div class="flex flex-wrap items-start justify-between gap-2"><div><h3 class="text-lg font-semibold text-slate-950">Geschätzte Entwicklung</h3><p class="text-sm text-slate-600">Historie bis zum letzten bestätigten Anker durchgezogen; nur der anschliessende Abschnitt gestrichelt. Gemischte Komponentenqualität segmentiert die Gesamtlinie nicht.</p></div><span :class="qualityClass(modelled.current?.quality)">{{ qualityLabel(modelled.current?.quality) }}</span></div>
+          <div class="flex flex-wrap items-start justify-between gap-2"><div><h3 class="text-lg font-semibold text-slate-950">Geschätzte Vermögensentwicklung</h3><p class="text-sm text-slate-600">Historie bis zum letzten bestätigten Anker durchgezogen; nur der anschliessende Abschnitt gestrichelt. Gemischte Komponentenqualität segmentiert die Gesamtlinie nicht.</p></div><span :class="qualityClass(modelled.current?.quality)">{{ qualityLabel(modelled.current?.quality) }}</span></div>
           <WealthDevelopmentChart class="mt-4" :model="modelled" :period="period" @period-change="changePeriod" />
           <ul v-if="modelled.correction_markers.length" class="mt-3 space-y-2 text-sm" data-testid="correction-markers"><li v-for="marker in modelled.correction_markers" :key="`${marker.date}-${marker.source_key}`" class="rounded-lg border border-amber-200 bg-amber-50 p-2">Importkorrektur · bestätigte Komponente {{ dateLabel(marker.date) }} · Haushaltsanker bleibt unverändert · Abgleich {{ signedMoney(marker.difference_chf) }}</li></ul>
         </article>
 
         <article class="rounded-2xl border border-slate-200 bg-white/90 p-4 sm:p-5" data-testid="modelled-components">
           <h3 class="text-lg font-semibold text-slate-950">Aufteilung</h3>
           <p class="text-sm text-slate-600">PostFinance erscheint konsolidiert inklusive Settlement-Cash.</p>
           <div class="mt-4 grid gap-3 sm:grid-cols-2 xl:grid-cols-1">
             <article v-for="item in modelled.components" :key="item.key" class="rounded-xl border border-slate-200 p-3" :data-testid="`modelled-component-${item.key}`">
               <div class="flex items-start justify-between gap-2"><div><h4 class="font-semibold text-slate-950">{{ item.label }}</h4><p class="text-xs text-slate-500">{{ item.key === 'bank_cash' ? 'Kontostandentwicklung' : 'Geschätzte Entwicklung' }}</p></div><span :class="qualityClass(item.quality)">{{ qualityLabel(item.quality) }}</span></div>
               <p class="mt-2 text-lg font-bold">{{ moneyOrUnavailable(item.current_value_chf) }}</p>
               <p class="text-xs text-slate-600">{{ signedMoney(item.change_chf) }} · {{ signedPercent(item.change_pct) }}</p>
               <p class="mt-1 text-xs text-slate-500">Stand {{ item.as_of ? dateLabel(item.as_of) : 'nicht verfügbar' }}<template v-if="item.unknown_account_count"> · {{ item.unknown_account_count }} Position(en)/Konto/Konten nicht enthalten</template></p>
             </article>
           </div>
         </article>
       </section>
 
       <PortfolioAnalysisPanel v-if="cockpit.portfolio_analysis" :analysis="cockpit.portfolio_analysis" />
       <section v-else class="rounded-2xl border border-slate-200 bg-white/90 p-5" data-testid="portfolio-analysis-unavailable"><h3 class="font-semibold text-slate-950">Portfolioanalyse v1</h3><p class="mt-2 text-sm text-slate-600">Portfolioanalyse nicht beurteilbar.</p></section>
 
       <details class="rounded-2xl border border-cyan-200 bg-cyan-50/60 p-4 sm:p-5" data-testid="verified-performance">
         <summary class="flex min-h-11 cursor-pointer items-center justify-between gap-3 font-semibold"><span>Verifizierte Anlagerendite</span><span>{{ cockpit.verified_performance.label }}</span></summary>
         <p class="mt-3 text-sm text-slate-700">Die bestehende strenge TTWROR-/XIRR-Berechnung bleibt unabhängig von der modellierten Standardansicht.</p>
         <div class="mt-3 grid gap-3 sm:grid-cols-2"><article class="rounded-xl bg-white p-3"><strong>TTWROR</strong><p>{{ cockpit.verified_performance.ttwror_status === 'ready' ? percentRatio(cockpit.verified_performance.ttwror_pct) : 'Noch nicht verifiziert' }}</p></article><article class="rounded-xl bg-white p-3"><strong>XIRR</strong><p>{{ cockpit.verified_performance.xirr_status === 'ready' ? percentRatio(cockpit.verified_performance.xirr_pct) : 'Noch nicht verifiziert' }}</p></article></div>
       </details>
 
       <details class="rounded-2xl border border-slate-200 bg-white/90 p-4 sm:p-5" data-testid="wealth-diagnostics">
         <summary class="flex min-h-11 cursor-pointer items-center font-semibold">Daten &amp; Diagnose · {{ cockpit.diagnostics.length }} Hinweise</summary>
         <p class="mt-3 text-sm text-slate-600">Coverage, Importmetadaten und technische Performancegates sind hier gesammelt und standardmässig eingeklappt.</p>
         <div class="mt-4 grid gap-3 md:grid-cols-2 xl:grid-cols-3" data-testid="diagnostic-sources">
           <article v-for="source in cockpit.sources" :key="source.key" class="rounded-xl border border-slate-200 p-3 text-sm">
             <div class="flex items-start justify-between gap-2"><strong>{{ source.label }}</strong><span>{{ qualityLabel(source.value_basis === 'confirmed' ? 'confirmed' : source.value_basis === 'modelled' ? 'modelled' : 'unavailable') }}</span></div>
             <p class="mt-2">{{ moneyOrUnavailable(source.current_value_chf) }} · Stand {{ source.as_of ? dateLabel(source.as_of) : 'unbekannt' }}</p>
             <p class="mt-2 text-xs text-slate-600">Coverage {{ coverageLabel(source.coverage_status) }} · {{ source.new_rows }} neu · {{ source.duplicate_rows }} doppelt · {{ source.review_rows }} prüfen</p>
             <p v-if="source.performance_blocker" class="mt-2 text-xs text-amber-900">{{ source.performance_blocker }}</p>
           </article>
         </div>
         <div class="mt-4 space-y-3"><article v-for="item in cockpit.diagnostics" :key="`${item.dimension}-${item.reason_code}`" class="rounded-xl border border-slate-200 p-3 text-sm"><strong>{{ item.message }}</strong><p v-if="item.action" class="mt-1 text-slate-600">{{ item.action }}</p><details class="mt-2"><summary class="cursor-pointer text-xs font-semibold text-slate-500">Technische Details</summary><code class="mt-1 block break-all text-xs text-slate-500">{{ item.reason_code }}</code></details></article></div>
       </details>
     </template>
   </div>
 </template>
 
 <script setup lang="ts">
 import { computed, onMounted, ref, watch } from 'vue'
 import AvailabilityState from '@/components/ui/AvailabilityState.vue'
 import AssetRefreshControl from './AssetRefreshControl.vue'
 import PortfolioAnalysisPanel from './PortfolioAnalysisPanel.vue'
 import WealthDevelopmentChart from './WealthDevelopmentChart.vue'
 import { getWealthCockpit, type ModelledValueQuality, type WealthChartPeriod, type WealthCockpit } from '@/api/portfolio'
 
 const props = defineProps<{ refreshKey?: number }>()
 const period = ref<WealthChartPeriod>('1m')
 const cockpit = ref<WealthCockpit | null>(null)
 const loading = ref(false)
 const error = ref<string | null>(null)
 const modelled = computed(() => cockpit.value?.modelled_development ?? null)
+const anchorDifferenceChf = computed(() => { const current=Number(modelled.value?.current?.value_chf); const anchor=Number(modelled.value?.anchor?.value_chf); return Number.isFinite(current)&&Number.isFinite(anchor)?String(current-anchor):null })
+const anchorDifferencePct = computed(() => { const change=Number(anchorDifferenceChf.value); const anchor=Number(modelled.value?.anchor?.value_chf); return anchorDifferenceChf.value!=null&&Number.isFinite(change)&&Number.isFinite(anchor)&&anchor!==0?String(change/anchor*100):null })
+const valuationCounts = computed(() => { const components=modelled.value?.components??[]; return { current:components.filter(item=>item.quality==='confirmed'||item.quality==='modelled').length, stale:components.filter(item=>item.quality==='carried').length, missing:components.filter(item=>item.quality==='unavailable'||item.quality==='incomplete').length+(modelled.value?.unknown_accounts.length??0) } })
 
 function money(value: string | null | undefined) { const n=Number(value); return Number.isFinite(n) ? new Intl.NumberFormat('de-CH',{style:'currency',currency:'CHF'}).format(n) : 'Nicht verfügbar' }
 function moneyOrUnavailable(value: string | null | undefined) { return value == null ? 'Nicht verfügbar' : money(value) }
 function signedMoney(value: string | null | undefined) { const n=Number(value); if(value==null||!Number.isFinite(n))return 'Nicht verfügbar'; const formatted=money(String(Math.abs(n))); return n>0?`+ ${formatted}`:n<0?`− ${formatted}`:formatted }
 function signedPercent(value: string | null | undefined) { const n=Number(value); if(value==null||!Number.isFinite(n))return 'Nicht verfügbar'; const formatted=new Intl.NumberFormat('de-CH',{minimumFractionDigits:1,maximumFractionDigits:2}).format(Math.abs(n)); return `${n>0?'+ ':n<0?'− ':''}${formatted} %` }
 function percentRatio(value: string | null | undefined) { const n=Number(value); return value!=null&&Number.isFinite(n)?signedPercent(String(n*100)):'Noch nicht verifiziert' }
 function dateLabel(value: string) { const parsed=new Date(value.length===10?`${value}T00:00:00Z`:value); return Number.isNaN(parsed.valueOf())?value:new Intl.DateTimeFormat('de-CH',{dateStyle:'medium',timeZone:'Europe/Zurich'}).format(parsed) }
 function qualityLabel(value: ModelledValueQuality | undefined) { return ({confirmed:'Bestätigt',modelled:'Modelliert',carried:'Fortgeschrieben',incomplete:'Unvollständig',unavailable:'Nicht verfügbar'} as Record<string,string>)[value??'unavailable'] }
 function qualityClass(value: ModelledValueQuality | undefined) { const base='inline-flex rounded-full px-2 py-1 text-xs font-semibold'; return `${base} ${value==='confirmed'?'bg-emerald-100 text-emerald-800':value==='modelled'?'bg-cyan-100 text-cyan-800':value==='carried'?'bg-blue-100 text-blue-800':value==='incomplete'?'bg-amber-100 text-amber-900':'bg-slate-100 text-slate-700'}` }
 function coverageLabel(value:string){return value==='complete'?'vollständig':value==='partial'?'teilweise':value==='stale'?'veraltet':'nicht verfügbar'}
 async function changePeriod(value: WealthChartPeriod) { if (period.value === value) return; period.value = value; await load(false) }
 async function load(refresh=false){loading.value=true;error.value=null;try{cockpit.value=await getWealthCockpit(period.value,refresh)}catch(err){error.value=err instanceof Error?err.message:'Vermögensdaten konnten nicht geladen werden'}finally{loading.value=false}}
 watch(()=>props.refreshKey,()=>{void load(true)})
 onMounted(()=>{void load()})
 defineExpose({load,cockpit})
 </script>
diff --git a/frontend/src/components/wealth/WealthDevelopmentChart.vue b/frontend/src/components/wealth/WealthDevelopmentChart.vue
index e293191..1672711 100644
--- a/frontend/src/components/wealth/WealthDevelopmentChart.vue
+++ b/frontend/src/components/wealth/WealthDevelopmentChart.vue
@@ -6,98 +6,98 @@
       </div>
       <div class="flex flex-wrap gap-1" role="group" aria-label="Darstellung" data-testid="wealth-chart-modes">
         <button v-for="item in modes" :key="item.value" type="button" :aria-pressed="mode === item.value" :data-testid="`wealth-mode-${item.value}`" :class="controlClass(mode === item.value)" @click="mode = item.value">{{ item.label }}</button>
       </div>
     </div>
 
     <div v-if="points.length >= 2" class="mt-4 rounded-xl border border-slate-200 bg-white p-2 sm:p-3" data-testid="modelled-chart">
       <div tabindex="0" role="application" aria-label="Vermögensentwicklung. Mit Pfeil links und rechts Datenpunkte lesen." class="h-72 outline-none focus-visible:ring-2 focus-visible:ring-cyan-600 sm:h-80" data-testid="wealth-chart-keyboard" @keydown.left.prevent="moveSelection(-1)" @keydown.right.prevent="moveSelection(1)">
         <Chart type="line" :data="chartData" :options="chartOptions" class="h-full w-full" data-testid="wealth-chart-canvas" />
       </div>
       <p class="sr-only" aria-live="polite" data-testid="wealth-chart-live">{{ selectedSummary }}</p>
       <div class="mt-2 flex flex-wrap gap-x-4 gap-y-1 text-xs text-slate-600" data-testid="wealth-chart-legend">
         <template v-if="model.last_confirmed_anchor_date || model.anchor?.date">
           <span><span class="font-bold text-cyan-700">━</span> Historie bis Haushaltsanker</span>
           <span><span class="font-bold text-cyan-700">┄</span> Nach letztem bestätigten Haushaltsanker</span>
         </template>
         <span v-else><span class="font-bold text-cyan-700">┄</span> Vollständig modelliert · kein bestätigter Haushaltsanker</span>
         <span>● Bestätigter Snapshot / Importanker</span>
         <span class="text-amber-800">◆ Korrektur</span>
       </div>
     </div>
     <AvailabilityState v-else class="mt-4" state="partial" title="Noch keine darstellbare Reihe" description="Die Grafik erscheint, sobald mindestens zwei bestätigte oder modellierte Tageswerte vorliegen." />
 
     <details class="mt-4 rounded-xl border border-slate-200 bg-slate-50/70 p-3" data-testid="modelled-chart-data">
       <summary class="min-h-11 cursor-pointer py-2 text-sm font-semibold text-slate-800">Barrierefreie Datentabelle zur Grafik</summary>
       <p class="mb-3 text-xs text-slate-600">Alternative zur Grafik mit Datum, Gesamtwert, Veränderung, Komponenten, Qualität und Ereignissen.</p>
       <div class="overflow-x-auto">
         <table class="min-w-[52rem] w-full text-left text-xs" data-testid="wealth-data-table">
           <thead><tr class="border-b border-slate-300"><th class="p-2">Datum</th><th class="p-2">Gesamtwert</th><th class="p-2">Veränderung</th><th v-for="component in componentKeys" :key="component" class="p-2">{{ componentLabel(component) }}</th><th class="p-2">Qualität</th><th class="p-2">Ereignis</th></tr></thead>
           <tbody><tr v-for="(point, index) in points" :key="point.date" class="border-b border-slate-200"><td class="p-2">{{ dateLabel(point.date) }}</td><td class="p-2">{{ money(point.value_chf) }}</td><td class="p-2">{{ changeLabel(index) }}</td><td v-for="component in componentKeys" :key="component" class="p-2">{{ moneyOrDash(componentValue(point, component)) }}</td><td class="p-2">{{ qualityLabel(point.quality) }}</td><td class="p-2">{{ eventLabel(point) }}</td></tr></tbody>
         </table>
       </div>
     </details>
   </section>
 </template>
 
 <script setup lang="ts">
 import { computed, ref } from 'vue'
 import Chart from 'primevue/chart'
 import type { ChartData, ChartOptions } from 'chart.js'
 import AvailabilityState from '@/components/ui/AvailabilityState.vue'
 import type { ModelledWealthDevelopment, ModelledWealthPoint, WealthChartPeriod } from '@/api/portfolio'
 
 const props = defineProps<{ model: ModelledWealthDevelopment; period: WealthChartPeriod }>()
 defineEmits<{ 'period-change': [period: WealthChartPeriod] }>()
 type Mode = 'total' | 'components' | 'performance'
 type ComponentKey = ModelledWealthPoint['components'][number]['key']
 const mode = ref<Mode>('total')
 const selectedIndex = ref(0)
 const periods: Array<{ value: WealthChartPeriod; label: string }> = [{ value: '1m', label: '1M' }, { value: '3m', label: '3M' }, { value: 'ytd', label: 'YTD' }, { value: '1y', label: '1J' }, { value: 'all', label: 'Max' }]
-const modes: Array<{ value: Mode; label: string }> = [{ value: 'total', label: 'Gesamt' }, { value: 'components', label: 'Komponenten' }, { value: 'performance', label: 'Wertentwicklung (modelliert)' }]
+const modes: Array<{ value: Mode; label: string }> = [{ value: 'total', label: 'Gesamt' }, { value: 'components', label: 'Komponenten' }, { value: 'performance', label: 'Geschätzte Veränderung' }]
 const palette: Record<string, string> = { total: '#0e7490', postfinance: '#2563eb', truewealth: '#7c3aed', crypto: '#c2410c', bank_cash: '#0f766e', other_assets: '#64748b' }
 const points = computed(() => props.model.points)
 const componentKeys = computed<ComponentKey[]>(() => {
   const preferred: ComponentKey[] = ['postfinance', 'truewealth', 'crypto', 'bank_cash', 'other_assets']
   return preferred.filter(key => points.value.some(point => point.components.some(component => component.key === key)))
 })
 
 function controlClass(active: boolean) { return ['min-h-11 rounded-lg border px-3 py-2 text-sm font-semibold', active ? 'border-cyan-600 bg-cyan-50 text-cyan-900' : 'border-slate-300 bg-white text-slate-700 hover:bg-slate-50'] }
 function number(value: string | null | undefined) { const parsed = Number(value); return value == null || !Number.isFinite(parsed) ? null : parsed }
 function money(value: string | number | null | undefined) { const parsed = number(value == null ? null : String(value)); return parsed == null ? 'Nicht verfügbar' : new Intl.NumberFormat('de-CH', { style: 'currency', currency: 'CHF' }).format(parsed) }
 function moneyOrDash(value: string | null | undefined) { return value == null ? '—' : money(value) }
 function dateLabel(value: string) { const parsed = new Date(`${value.slice(0, 10)}T00:00:00Z`); return Number.isNaN(parsed.valueOf()) ? value : new Intl.DateTimeFormat('de-CH', { dateStyle: 'medium', timeZone: 'Europe/Zurich' }).format(parsed) }
 function qualityLabel(value: string) { return ({ confirmed: 'Bestätigt', modelled: 'Modelliert', carried: 'Fortgeschrieben', incomplete: 'Unvollständig', unavailable: 'Nicht verfügbar' } as Record<string, string>)[value] ?? value }
 function componentLabel(key: ComponentKey) { return ({ postfinance: 'PostFinance', truewealth: 'True Wealth', crypto: 'Krypto', bank_cash: 'Bank', other_assets: 'Weitere Anlagen' } as Record<string, string>)[key] ?? key }
 function componentValue(point: ModelledWealthPoint, key: ComponentKey) { return point.components.find(item => item.key === key)?.value_chf ?? null }
 function change(index: number) { if (index === 0) return null; const current = number(points.value[index]?.value_chf); const previous = number(points.value[index - 1]?.value_chf); return current == null || previous == null ? null : current - previous }
 function changeLabel(index: number) { const value = change(index); return value == null ? '—' : `${value > 0 ? '+' : ''}${money(value)}` }
 function pointEvents(point: ModelledWealthPoint) { return [point.event, point.event_label, point.correction_event, ...(point.events ?? [])].filter((value): value is string => typeof value === 'string' && value.trim().length > 0) }
 function eventLabel(point: ModelledWealthPoint) { const labels = [...pointEvents(point)]; const householdAnchor = props.model.last_confirmed_anchor_date ?? props.model.anchor?.date ?? null; if (point.date === householdAnchor) labels.unshift('Bestätigter Haushaltsanker'); else if (point.has_confirmed_anchor) labels.unshift('Bestätigter Komponenten-Snapshot'); if (props.model.correction_markers.some(marker => marker.date === point.date)) labels.push('Importkorrektur'); return [...new Set(labels)].join(' · ') || '—' }
 function performanceValue(value: string | null, base: number | null) { const current = number(value); return current == null || base == null || base === 0 ? null : (current / base - 1) * 100 }
 function valuesFor(key: 'total' | ComponentKey) { const raw = points.value.map(point => key === 'total' ? point.value_chf : componentValue(point, key)); if (mode.value !== 'performance') return raw.map(number); const base = raw.map(number).find(value => value != null) ?? null; return raw.map(value => performanceValue(value, base)) }
 function split(values: Array<number | null>) {
   const anchor = props.model.last_confirmed_anchor_date ?? props.model.anchor?.date ?? null
   const before = values.map((value, index) => anchor && points.value[index].date <= anchor ? value : null)
   const after = values.map((value, index) => !anchor || points.value[index].date >= anchor ? value : null)
   return { before, after, hasProjection: Boolean(!anchor || points.value.some(point => point.date > anchor)) }
 }
 function lineDatasets(key: 'total' | ComponentKey, label: string) {
   const color = palette[key] ?? '#64748b'; const { before, after, hasProjection } = split(valuesFor(key))
   const common = { label, borderColor: color, backgroundColor: key === 'total' ? 'rgba(14,116,144,.10)' : 'transparent', borderWidth: key === 'total' ? 2.5 : 2, pointRadius: 0, pointHoverRadius: 4, tension: 0.25, spanGaps: false }
   return [
     { ...common, data: before, fill: key === 'total' && mode.value === 'total' ? 'origin' : false, borderDash: [] },
     ...(hasProjection ? [{ ...common, label: props.model.last_confirmed_anchor_date || props.model.anchor?.date ? `${label} nach Anker` : `${label} modelliert`, data: after, fill: false, borderDash: [6, 5] }] : []),
   ]
 }
 const chartData = computed<ChartData<'line'>>(() => {
   const lines = mode.value === 'components' ? componentKeys.value.flatMap(key => lineDatasets(key, componentLabel(key))) : lineDatasets('total', mode.value === 'performance' ? 'Wertentwicklung' : 'Gesamtwert')
   const confirmed = points.value.map(point => point.has_confirmed_anchor || point.quality === 'confirmed' ? (mode.value === 'performance' ? performanceValue(point.value_chf, number(points.value[0]?.value_chf)) : number(point.value_chf)) : null)
   const corrections = points.value.map(point => props.model.correction_markers.some(marker => marker.date === point.date) ? (mode.value === 'performance' ? performanceValue(point.value_chf, number(points.value[0]?.value_chf)) : number(point.value_chf)) : null)
   return { labels: points.value.map(point => point.date), datasets: [...lines, { label: 'Bestätigte Snapshots / Importanker', data: confirmed, showLine: false, pointRadius: 4, pointHoverRadius: 6, pointBackgroundColor: '#ffffff', pointBorderColor: '#0e7490', pointBorderWidth: 2 }, { label: 'Korrekturen', data: corrections, showLine: false, pointStyle: 'rectRot', pointRadius: 6, pointBackgroundColor: '#f59e0b', pointBorderColor: '#92400e' }] }
 })
 function tooltipLines(index: number) { const point = points.value[index]; if (!point) return []; return [`Gesamtwert: ${money(point.value_chf)}`, `Veränderung: ${changeLabel(index)}`, ...componentKeys.value.map(key => `${componentLabel(key)}: ${moneyOrDash(componentValue(point, key))}`), `Qualität: ${qualityLabel(point.quality)}`, `Ereignis: ${eventLabel(point)}`] }
-const chartOptions = computed<ChartOptions<'line'>>(() => ({ responsive: true, maintainAspectRatio: false, interaction: { intersect: false, mode: 'index' }, animation: false, plugins: { legend: { display: mode.value === 'components', position: 'bottom', labels: { usePointStyle: true, boxWidth: 8, filter: item => !item.text.includes('nach Anker') && !['Korrekturen', 'Bestätigte Snapshots / Importanker'].includes(item.text) } }, tooltip: { callbacks: { title: items => items[0] ? dateLabel(String(items[0].label)) : '', label: () => '', afterBody: items => items[0] ? tooltipLines(items[0].dataIndex) : [] } } }, scales: { x: { grid: { display: false }, ticks: { maxTicksLimit: 8 } }, y: { ticks: { callback: value => mode.value === 'performance' ? `${new Intl.NumberFormat('de-CH', { maximumFractionDigits: 1 }).format(Number(value))} % modelliert` : new Intl.NumberFormat('de-CH', { style: 'currency', currency: 'CHF', maximumFractionDigits: 0 }).format(Number(value)) } } } }))
+const chartOptions = computed<ChartOptions<'line'>>(() => ({ responsive: true, maintainAspectRatio: false, interaction: { intersect: false, mode: 'index' }, animation: false, plugins: { legend: { display: mode.value === 'components', position: 'bottom', labels: { usePointStyle: true, boxWidth: 8, filter: item => !item.text.includes('nach Anker') && !['Korrekturen', 'Bestätigte Snapshots / Importanker'].includes(item.text) } }, tooltip: { callbacks: { title: items => items[0] ? dateLabel(String(items[0].label)) : '', label: () => '', afterBody: items => items[0] ? tooltipLines(items[0].dataIndex) : [] } } }, scales: { x: { grid: { display: false }, ticks: { maxTicksLimit: 8 } }, y: { ticks: { callback: value => mode.value === 'performance' ? `${new Intl.NumberFormat('de-CH', { maximumFractionDigits: 1 }).format(Number(value))} % geschätzt` : new Intl.NumberFormat('de-CH', { style: 'currency', currency: 'CHF', maximumFractionDigits: 0 }).format(Number(value)) } } } }))
 function moveSelection(delta: number) { selectedIndex.value = Math.max(0, Math.min(points.value.length - 1, selectedIndex.value + delta)) }
 const selectedSummary = computed(() => { const point = points.value[selectedIndex.value]; return point ? `${dateLabel(point.date)}, ${tooltipLines(selectedIndex.value).join(', ')}` : '' })
 defineExpose({ chartData, chartOptions, mode })
 </script>

__HERMES_CWD_8d46a20096ed__/home/agent/.hermes/worktrees/FinanceManager-sprint23.1__HERMES_CWD_8d46a20096ed__