v0.1.84

## What's Changed

### New: `tally explain` Command - AI-Friendly Classification Reasoning

Ever wonder why a merchant ended up in "Variable" instead of "Monthly"? Now your AI agent can find out.

The new `tally explain` command exposes the full decision-making process, making it easy for LLMs to understand classifications and suggest better rules:

```bash
tally explain                    # Overview of all classifications
tally explain Netflix            # Explain specific merchant
tally explain Netflix -vv        # Full details + which rule matched
tally explain --category Food    # Explain all Food merchants
```

Example output with `-vv`:
```
Netflix → Monthly
  Monthly: Subscriptions appears 6/6 months (50% threshold = 3)

  Decision trace:
    ✗ NOT excluded: Subscriptions not in [Transfers, Cash, Income]
    ✓ IS monthly: Subscriptions with 6/6 months (>= 3 bill threshold)

  Calculation: avg (CV=0.00, payments are consistent)
  Rule: NETFLIX.* (user)
```

The `Rule:` line shows exactly which pattern matched and whether it came from your `merchant_categories.csv` (user) or the built-in rules (baseline) — so agents can confidently suggest rule additions or modifications.

### New: JSON/Markdown Output Formats

Export analysis with full reasoning data for programmatic consumption:

```bash
tally run --format json -v       # JSON with decision traces
tally run --format markdown      # Markdown report
tally run --only monthly,travel  # Filter to specific classifications
```

Perfect for piping into your AI agent's context or building custom dashboards.

### Improved Error Messages

CLI errors now guide you to the right answer:
- Invalid `--only` values warn and show valid options
- Invalid `--category` shows available categories  
- Typos in merchant names suggest similar matches (fuzzy matching)

---

### Install

**Linux / macOS:**
```bash
curl -fsSL https://tallyai.money/install.sh | bash
```

**Windows PowerShell:**
```powershell
irm https://tallyai.money/install.ps1 | iex
```

Or download the zip for your platform from the assets below.

See https://tallyai.money for more info.