Overnight autonomous pass · 2026-09-01 · read-only analysis, no live-books writes, no sends. Source of truth: Hemani Holdings Books Whiteboard (vault). Ace's two questions answered up front.
Reconciled? No — feeds were 12–18 months stale, so QBO balances are frozen at early-2025 and every card is off from its true statement balance. Statements for everything? No — AMEX / EIDL / WF-9222 now filed; GNTY, Chase, US Bank, Cap1 still need Ace's logins (see Coverage).
Hemani Holdings LLC - 2133 WF Signify 9222 - YYMM.pdf) and staged.
src: ~/wf-statements-pull/HemaniHoldings/9222/ (13 PDFs)True balance = the most recent real billing statement's New Balance from the pulled PDFs. QBO book balances for 2128 and 2129 match their Feb-2025 statement exactly (feed froze there); 2121/2122 are the Feb-2025 statement used as a proxy pending the exact QBO book figure; 2123 is the whiteboard's QBO book number. src: pulled monthly AMEX statements (~/amex-statements-pull); QBO figures from Hemani Holdings Books Whiteboard §4–§5.
| Card | QBO book | True balance | As of | Gap (book − actual) |
|---|---|---|---|---|
| 2121 AMEX Biz Plat 24006 | $32,636.36 (assumption: proxy) | $11,093.67 | 08/24/26 | −$21,542.69 |
| 2122 AMEX Biz Gold 71002 | $17,686.50 (assumption: proxy) | $119.45 | 08/14/26 | −$17,567.05 |
| 2123 AMEX Biz Gold 02005 | $19,207.57 | $50.00 | 08/17/26 | −$19,157.57 |
| 2128 AMEX Biz Blue 61000 * | $32,781.66 | $21,652.67 | 12/09/25 | −$11,128.99 |
| 2129 AMEX Biz Blue 11000 | $20,341.99 | $40.59 | 09/07/25 | −$20,301.40 |
| 2134 AMEX Biz Blue 91006 | $0.00 (new card) | $49,061.33 | 08/23/26 | +$49,061.33 |
* 2128 is WLV's now (cutover 12/8/2025). The true balance shown is HH's at the 12/09/25 cutover statement ($21,652.67);
the card's current balance is $30,701.22 (08/09/26) but that is WLV's, not HH's. HH's books still carry the stale
$32,781.66.
2129 paid down to $40.59 by Sep 2025 then went dormant — its Dec-2025 / Mar-2026 / Jun-2026 "statements" are AMEX
notice letters, not bills. QBO's $20,341.99 is the frozen Feb-2025 balance and overstates the liability by $20,301.40.
Takeaway: QBO overstates HH's live AMEX liabilities (2121/2122/2123/2129) by $78,568.71 (= 21,542.69 + 17,567.05 + 19,157.57 + 20,301.40, the four gaps above)
and understates the new 2134 by $49,061.33; each card must be trued to its actual statement balance once feeds backfill or via manual entry.
Both Blues end in last-4 1000 — distinguish only by full number / activity, not the masked view.
SBA loan #8980117810, $150,000, 3.75%, 30-yr, $731/mo. Every pulled statement 2022→2026 shows the payment applied 100% to interest, $0.00 to principal (deferment-interest backlog — the flat $150,000 principal is normal EIDL behavior). QBO account 2550 has only 4 entries: 2 payments (Nov+Dec 2022) mis-coded as principal, and a 12/31/2023 plug journal. Everything since is missing. src: 45 monthly SBA EIDL statements + loan agreement (~/amex-statements-pull/2550-SBA-EIDL-7810); QBO register per whiteboard §5b.
| Year | Payments made | Interest (all of each $731) | Booked in QBO | Understated |
|---|---|---|---|---|
| 2024 | 12 | $8,772.00 | $0.00 | $8,772.00 |
| 2025 | 12 | $8,772.00 | $0.00 | $8,772.00 |
| 2026 YTD (Jan–Aug) | 8 | $5,848.00 | $0.00 | $5,848.00 |
| 2024–2026 total (= 12+12+8 pmts × $731) | 32 | $23,392.00 | $0.00 | $23,392.00 |
Tax impact: $8,772 of deductible interest is missing from each of 2024 and 2025 — a Shah Group item on both returns. Fix: book the missing payments as interest expense against GNTY OpEx outflows; keep the loan at $150,000. (Balance ticked $150,000 → $150,005 at the Jul-2025 statement — an immaterial $5, flagged.) June 2025 statement (2506) is the only monthly gap — the payment was made; the PDF is simply absent from the source.
1800 Items Need Review = $436,111.68 blocked — needs live QBOThe full 160-row export could not run overnight: the RPP API gateway is dead and the QBO browser register needs Ace's logged-in session. No cached export exists on disk. Carried to a supervised session. src: whiteboard §3; disk search found no register export.
Known shape (from the in-browser QuickReport, 2026-09-01): 160 uncleared bank-feed items, 02/27/2024→02/19/2026, all credit-card payments + internal transfers — a matching/transfer cleanup, not expense coding. The AMEX gap and EIDL findings above quantify two of the largest buckets feeding it.
*0689 / *0433Finding: neither *0689 nor *0433 appears anywhere in the full text of
HH's four Wells Fargo statement sets (0986, 2095, 5684, 9222, all years). They are not HH's WF accounts.
src: full-text search of ~/wf-statements-pull/HemaniHoldings/*.
The IB TR (internet-banking transfer) descriptor and the $20K
Barclay balance transfer "BT TO CK ACCT 0689" point to a checking account, but it is outside HH's known account set
(not 0986/2095/5684/9222/6153/4153/6474/3249/9322/8425). Most likely a personal or other-entity account — final ID needs
the GNTY statements (Ace's login) or Ace's direct confirmation. Ownership call is Ace's, per the assignment.
Filed & uploaded: AMEX 2121/2122/2123/2128/2129/2134 (2025→present); SBA EIDL 7810 (2022–2026, June-2025 stmt absent); WF 9222 (13); plus prior WF 0986/2095/5684 & Bayfirst 9109/9110.
Still missing (need Ace's logins): GNTY 6153 & 4153 (Feb 2026→now); Chase United 6474; Chase Ink 3249; US Bank 9322; Cap1 Spark 8425; Barclay 2060 2025 PDFs (personal — Alyssa); AMEX 61038 & 55005 (non-QBO).
Generated overnight by Woz for Ace. Read-only: no QBO writes, no emails sent, no feed changes. Figures trace to the pulled bank/card statements and the Hemani Holdings Books Whiteboard. Proxy QBO balances are marked (assumption) and should be confirmed against the live register before any entry is booked.