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/Views/Help/Reports.cshtml

@@ -251,6 +251,57 @@
                 You can edit the draft before sending.
             </p>
 
+            <h3 class="h6 fw-semibold mt-3 mb-2">AI Payment Risk Prediction</h3>
+            <p>
+                Available inside the <strong>AR Aging</strong> report (<a asp-controller="Reports" asp-action="ArAging">/Reports/ArAging</a>).
+                Click <strong>"Predict Payment Risk"</strong> at the bottom of the page to have Claude analyze
+                each open AR customer and assign a risk level:
+            </p>
+            <ul class="mb-3">
+                <li class="mb-1"><strong>High</strong> — customer has a history of late payment and is already overdue; prioritize a phone call today.</li>
+                <li class="mb-1"><strong>Medium</strong> — overdue but reasonable history, or current but spotty past performance.</li>
+                <li class="mb-1"><strong>Low</strong> — typically pays on time; no immediate follow-up needed.</li>
+            </ul>
+            <p>
+                Each prediction includes an estimated number of additional days to collection and a one-sentence
+                explanation of the scoring. Use this to triage your collection calls — start with High-risk
+                customers first.
+            </p>
+
+            <h3 class="h6 fw-semibold mt-3 mb-2">Ask Your Financials (Natural Language Queries)</h3>
+            <p>
+                A conversational AI tool at <a asp-controller="Reports" asp-action="FinancialQuery">/Reports/FinancialQuery</a>
+                that lets you ask plain-English questions about your business finances and get direct answers
+                grounded in your actual data. Example questions:
+            </p>
+            <ul class="mb-3">
+                <li class="mb-1">"What was our revenue this year?"</li>
+                <li class="mb-1">"What are our biggest expenses?"</li>
+                <li class="mb-1">"Which month had the highest revenue?"</li>
+                <li class="mb-1">"How much do customers owe us?"</li>
+            </ul>
+            <p>
+                Each answer includes <strong>supporting facts</strong> pulled directly from your data so you can
+                verify the figures, and a <strong>follow-up suggestion</strong> for what to ask next. Claude
+                will not invent numbers — if the data is not available in the snapshot, it says so. The page
+                also shows clickable example chips and remembers your last 5 questions during the session.
+            </p>
+
+            <h3 class="h6 fw-semibold mt-3 mb-2">Bank Rec AI Auto-Match</h3>
+            <p>
+                Inside <strong>Bank Reconciliation</strong> (<a asp-controller="BankReconciliations" asp-action="Index">/BankReconciliations</a>),
+                the <strong>Reconcile</strong> working view includes an <strong>AI Auto-Match</strong> panel.
+                Click <strong>"Suggest Matches"</strong> and Claude analyzes all uncleared transactions against
+                your statement ending balance, then suggests which items to mark as cleared — sorted by
+                confidence score with a one-sentence reason for each.
+            </p>
+            <p>
+                Click <strong>"Apply All Suggestions"</strong> to accept them in bulk; the checkboxes are marked
+                and persisted automatically. Review the highlighted rows (shown in blue) before applying if you
+                want to verify each one individually. Auto-match does not complete the reconciliation — you
+                still click "Complete Reconciliation" yourself once the difference reaches $0.00.
+            </p>
+
             <h3 class="h6 fw-semibold mt-3 mb-2">Powder Insights</h3>
             <p>
                 An AI-powered analysis of your powder usage patterns, efficiency, and cost optimization,
@@ -304,6 +355,9 @@
                     <a class="nav-link py-1 px-3 small text-body ps-4" href="#financial-reports" style="font-size:.75rem">Sales Tax Report</a>
                     <a class="nav-link py-1 px-3 small text-body" href="#operations-reports">Operations Reports</a>
                     <a class="nav-link py-1 px-3 small text-body" href="#ai-reports">AI-Powered Reports</a>
+                    <a class="nav-link py-1 px-3 small text-body ps-4" href="#ai-reports" style="font-size:.75rem">Payment Risk Prediction</a>
+                    <a class="nav-link py-1 px-3 small text-body ps-4" href="#ai-reports" style="font-size:.75rem">Ask Your Financials</a>
+                    <a class="nav-link py-1 px-3 small text-body ps-4" href="#ai-reports" style="font-size:.75rem">Bank Rec Auto-Match</a>
                     <a class="nav-link py-1 px-3 small text-body" href="#pdf-export">PDF &amp; CSV Export</a>
                 </nav>
             </div>