Pay army, installation and loan upkeep from the day's income

[Drefvelin]

Problem

Daily settlement decided army and installation upkeep against the ruling guild's balance before any of the day's income arrived. Automatic loan payments were also funded from that same pre-income balance. A realm that spent its treasury down could lose its paid regiment slots and installations even when that day's taxes would have covered them.

On Oct 18, Sunsora had 8.75d in the bank against 59.40d of army upkeep. At rollover they lost 8 professional and 5 militia slots, and the Sunray Railway lost its level and was removed. About 560d of taxes and deposits arrived afterwards in the same settlement.

Change

Settlement order is now:

1. Income and the day's other transfers (guild/citizen/vassal taxes, tribute, tariffs, reparations, trade, nodes, upgrades, penalties, mercenary contracts)
2. Army and installation upkeep, planned against the balance after step 1 (FactionUpkeepPlan.calculate(faction, available))
3. Automatic loan repayments and interest, funded from what is left after upkeep (Ledger.populateLoanTransfers)
4. Branch liquidation, then dividends, wages and death payments (unchanged)
5. Vehicle upkeep and fees (unchanged, still last)

DailyPreparationJournal no longer computes or stores an upkeep plan. The settlement journal already saves the final plan in changes.upkeep, so a replay after a crash applies the same result. Planning after the province removal also removes a small overcharge: installations in a province lost at rollover used to be charged for that day.

Older day-preparation/N.json files that still contain upkeep read fine. Gson ignores the field.

Notes

• A lender's own upkeep is planned before it receives loan repayments; the repayments arrive in step 3.
• The base guild's settlement ledger copy no longer carries MILITARY_UPKEEP/INSTALLATIONS overrides. Nothing in settlement read them; tax bases count only positive gross flows, and the donation check applies only to non-base guilds.

Tests

New RealmSettlementCalculationTest cases:

• todaysIncomePaysTheArmyWhenTheTreasuryAloneCannot: a 1.00d treasury plus 50.00d of citizen tax keeps all 6 slots (4 paid, 20.00d)
• paidSlotsGoOnlyWhenIncomeAndTreasuryTogetherFallShort: 11.00d in total keeps exactly 2 of 4 paid slots
• loansArePaidFromTodaysIncomeAfterUpkeep: a borrower with an empty treasury repays from that day's income, after upkeep

Local mvn verify: 8228 tests, 2 failures. Both are environmental and outside the changed code: a TLibs 2.3 fixture that only CI installs, and an unwritable-file check that doesn't hold when running as root.

🤖 Generated with Claude Code

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📝 Summary

Summary by CodeRabbit

• Bug Fixes
  • Faction upkeep is now calculated after daily income is applied, allowing that income to help cover army and installation costs.
  • Paid army slots are reduced only when available funds, including daily income, cannot cover upkeep.
  • Loan repayments are calculated from funds remaining after upkeep, helping prevent upkeep and loan payments from exceeding the available budget.

Settlement now applies daily income before calculating faction upkeep. It schedules loan payments from the balance left after upkeep. The preparation journal no longer stores upkeep plans.

Changes: Realm settlement

Layer / File(s)	Summary
Remove prepared upkeep plans src/main/java/net/tfminecraft/simplefactions/economy/settlement/DailyPreparationJournal.java, src/main/java/net/tfminecraft/simplefactions/economy/settlement/RealmSettlementService.java, src/test/java/net/tfminecraft/simplefactions/economy/settlement/DailyPreparationJournalTest.java	The journal now records the day and timestamp without storing upkeep plans. The service no longer passes prepared plans to settlement calculation. The journal test calculates upkeep directly.
Apply income before upkeep src/main/java/net/tfminecraft/simplefactions/economy/settlement/FactionUpkeepPlan.java, src/main/java/net/tfminecraft/simplefactions/economy/settlement/RealmSettlementCalculation.java, src/main/java/net/tfminecraft/simplefactions/guild/income/Ledger.java, src/test/java/net/tfminecraft/simplefactions/economy/settlement/RealmSettlementCalculationTest.java	Upkeep planning accepts an available balance. Settlement applies transfers before charging upkeep against each capital’s projected balance. Tests cover income-funded upkeep and regiment slot reductions.
Schedule loans after upkeep src/main/java/net/tfminecraft/simplefactions/guild/income/Ledger.java, src/test/java/net/tfminecraft/simplefactions/economy/settlement/RealmSettlementCalculationTest.java	Ledger separates pre-loan transfers from loan payments. Loan payments use the balance remaining after upkeep. A test checks that repayments use income left after upkeep.

Priority: ➖ Normal

Estimated code review effort: 3 (Moderate) | ~20 minutes

Change: Bug fix

Sequence Diagram(s)

sequenceDiagram
  participant RealmSettlementService
  participant RealmSettlementCalculation
  participant Ledger
  participant FactionUpkeepPlan
  RealmSettlementService->>RealmSettlementCalculation: calculate settlement
  RealmSettlementCalculation->>Ledger: populate pre-loan transfers
  Ledger-->>RealmSettlementCalculation: transfer buffer
  RealmSettlementCalculation->>FactionUpkeepPlan: calculate from projected capital balance
  FactionUpkeepPlan-->>RealmSettlementCalculation: upkeep plan
  RealmSettlementCalculation->>RealmSettlementCalculation: charge upkeep
  RealmSettlementCalculation->>Ledger: populate loan transfers from remaining balance

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Suggested reviewers: ryanbarlow97

Merge Risk: 🟡 Moderate · up to 3bdc1

Lenders may miss dividends on loan repayments funded by the borrower’s daily income. Correct the dividend calculation before merging.

- [ ] Autofix · Keep fixing CodeRabbit findings and required CI, and resolving merge conflicts

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Actionable comments posted: 1

---

• 🪄 Fix comments: Fix CodeRabbit comments on this PR

🤖 Prompt to fix review comments

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Inline comments:
Review comments at
@src/main/java/net/tfminecraft/simplefactions/economy/settlement/RealmSettlementCalculation.java:
- Line 76: Update the settlement pass in RealmSettlementCalculation so lender
dividend pools are calculated after loan payments have been funded, using the
funded amounts. Adjust the ordering around populateTransfersBeforeLoans and the
loan-funding flow so loan income from borrowers’ current-day income contributes
to eligible lenders’ dividend pools.

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ℹ️ Review info

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• Configuration used: Organization UI
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📥 Commits

Reviewing files that changed from the base of the PR and between 4ab18f4 and 3bdc1ef.

📒 Files selected for processing: 7

• src/main/java/net/tfminecraft/simplefactions/economy/settlement/DailyPreparationJournal.java
• src/main/java/net/tfminecraft/simplefactions/economy/settlement/FactionUpkeepPlan.java
• src/main/java/net/tfminecraft/simplefactions/economy/settlement/RealmSettlementCalculation.java
• src/main/java/net/tfminecraft/simplefactions/economy/settlement/RealmSettlementService.java
• src/main/java/net/tfminecraft/simplefactions/guild/income/Ledger.java
• src/test/java/net/tfminecraft/simplefactions/economy/settlement/DailyPreparationJournalTest.java
• src/test/java/net/tfminecraft/simplefactions/economy/settlement/RealmSettlementCalculationTest.java

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