Update help docs and AI knowledge base for 4 new AI bookkeeping features

- Reports.cshtml: added AI Payment Risk Prediction, Ask Your Financials,
  and Bank Rec Auto-Match subsections under AI-Powered Reports; updated
  on-this-page nav with sub-links for all three
- AccountsPayable.cshtml: added Recurring Bill Detection section explaining
  pattern cards, frequency types, confidence badges, next expected date,
  and the 2-occurrence minimum
- HelpKnowledgeBase.cs: added Recurring Bill Detection to BILLS section;
  added AI Payment Risk Prediction and Ask Your Financials to REPORTS
  available-reports list; added features 12–15 to AI FEATURES section
  (Recurring Detection, Payment Risk, Financial Query, Bank Rec Auto-Match)

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

src/PowderCoating.Web/Helpers/HelpKnowledgeBase.cs

@@ -511,6 +511,8 @@ public static class HelpKnowledgeBase
 
         **AI Receipt Scanning:** Bills → "Scan Receipt" — upload a photo or PDF of a vendor receipt/invoice and AI will pre-fill the vendor, date, amount, and line items.
 
+        **Recurring Bill Detection:** [Bills](/Bills) → "Detect Recurring Bills" button (top-left of the bills list, or navigate to /Bills/RecurringDetection). AI scans the last 12 months of bills to identify vendors you pay on a regular schedule. Each pattern card shows the vendor name, frequency (Monthly / Bi-Monthly / Quarterly / Annual / Irregular), typical amount, confidence level (High / Medium / Low), estimated next expected date, and a suggested action (e.g., "Set up auto-pay" or "Budget monthly"). Useful for cash flow planning — knowing what's coming reduces surprises. At least 2 occurrences are needed before the AI can establish a pattern; one-time bills are filtered out automatically.
+
         **Accounts:** [/Accounts](/Accounts) — The chart of accounts (Assets, Liabilities, Equity, Revenue, COGS, Expenses). Accounts are assigned to bill line items for financial reporting.
 
         **Accounting Export:** [/AccountingExport](/AccountingExport) — Export financial data to accounting software.
@@ -577,6 +579,8 @@ public static class HelpKnowledgeBase
         - *Cash Flow Forecast* — 30/60/90-day projection based on open AR, AP, and job pipeline
         - *Anomaly Detection* — AI scans for duplicate bills, amount spikes, unusual vendors
         - *AR Follow-Up Emails* — AI drafts collection emails for overdue invoices (from AR Aging report)
+        - *AI Payment Risk Prediction* — on the AR Aging report, click "Predict Payment Risk" to get an AI assessment for each outstanding customer: High / Medium / Low risk with reasoning and recommended action (call now, send reminder, standard follow-up). Powered by each customer's payment history, current balance, and days outstanding.
+        - *Ask Your Financials* — [/Reports/FinancialQuery](/Reports/FinancialQuery) — natural language query interface. Type any financial question ("What were my top expenses last quarter?", "Which customers owe the most?") and the AI answers using your real data. Includes suggestion chips, follow-up prompts, supporting facts, and session history. The right panel shows a YTD financial snapshot (revenue, expenses, net income, open AR, open AP).
         - *Powder Usage Report* — powder consumption by item/job
         - *Job Cycle Time Report* — how long jobs spend in each status
 
@@ -1239,6 +1243,14 @@ public static class HelpKnowledgeBase
 
         11. **AI Quick Quote** — A floating button (visible on every page) that lets you get an instant rough estimate from a verbal description — ideal for phone calls and walk-in customers. Type a description such as "4 wheels, gloss black, need sandblasting", enter quantity and coat count, and the AI returns a price estimate with a confidence score. Detected color names are matched against your inventory so you can see at a glance whether you have the powder in stock. You can then save the quote under a "Walk-In / Phone" customer with one click and reassign it to the real customer record later. Access via the **dark-blue floating button** in the bottom-right corner, just above the AI Help button.
 
+        12. **Recurring Bill Detection** — AI scans the last 12 months of vendor bills to identify recurring payment patterns. Access via [Bills](/Bills) → "Detect Recurring Bills." See the BILLS section above for full details.
+
+        13. **AI Payment Risk Prediction** — On the [AR Aging](/Reports/ArAging) report, click "Predict Payment Risk" to get a risk assessment (High / Medium / Low) for each outstanding customer with reasoning and a recommended action. Powered by payment history, current balance, and days outstanding.
+
+        14. **Ask Your Financials** — Natural language financial queries at [/Reports/FinancialQuery](/Reports/FinancialQuery). Ask questions in plain English and get answers drawn from your real financial data, with supporting facts and follow-up prompts. See the REPORTS section above for full details.
+
+        15. **Bank Rec Auto-Match** — On the [Bank Reconciliations](/BankReconciliations) Reconcile page, click "AI Suggest Matches" to have AI review your uncleared transactions and suggest which ones to mark as cleared to reach your target balance. Each suggestion includes a confidence percentage and a reason. Click "Apply All Suggestions" to mark all recommended items cleared in one step. You still control the final reconciliation — the AI suggestions are a starting point, not a commitment.
+
         **Plan availability:** AI Photo Quotes and AI Inventory Assist are enabled at the subscription plan level. If you do not see the AI Photo Quote option in the quote wizard or the AI lookup button on inventory items, the feature may not be included in your current plan. Contact your administrator or check [Billing](/Billing) to see your plan details.
 
         The AI Profile (in Company Settings) lets you describe your shop's specialties to improve AI quote estimates. This tab only appears when AI Photo Quotes are enabled for your account.