Add 4 AI bookkeeping features

Feature 7: Bank Rec Auto-Match — AiSuggestMatches endpoint scores uncleared
transactions vs statement ending balance; AI Auto-Match panel in Reconcile.cshtml
with confidence highlights and Apply All button.

Feature 8: Late Payment Prediction — PredictLatePayments endpoint scores open AR
customers by risk (high/medium/low) using historical avg-days-to-pay + late rate;
rendered as badge table in AR Aging view via ar-aging-ai.js.

Feature 9: Natural Language Financial Queries — FinancialQuery GET page + RunFinancialQuery
POST; 12-month context snapshot pre-loaded; answers grounded in real data with
supporting facts, follow-up suggestions, session history, and example chips.

Feature 10: Recurring Bill Detection — RunRecurringDetection scans 12 months of bills
for vendor payment patterns (monthly/quarterly/annual); card grid view in Bills/RecurringDetection.cshtml
with confidence badges, next-expected-date, and suggested actions.

Supporting: 4 new DTO groups in AccountingAiDtos.cs, 4 method signatures in
IAccountingAiService.cs, 4 implementations in AccountingAiService.cs, 4 new
AiFeatures constants, 2 new Landing page AI report cards.

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

src/PowderCoating.Web/Controllers/BankReconciliationsController.cs

@@ -2,6 +2,7 @@ using Microsoft.AspNetCore.Authorization;
 using Microsoft.AspNetCore.Mvc;
 using Microsoft.AspNetCore.Mvc.Rendering;
 using Microsoft.EntityFrameworkCore;
+using PowderCoating.Application.DTOs.AI;
 using PowderCoating.Application.Interfaces;
 using PowderCoating.Core.Entities;
 using PowderCoating.Core.Enums;
@@ -15,13 +16,19 @@ public class BankReconciliationsController : Controller
 {
     private readonly IUnitOfWork _unitOfWork;
     private readonly ITenantContext _tenantContext;
+    private readonly IAccountingAiService _accountingAi;
+    private readonly IAiUsageLogger _usageLogger;
 
     public BankReconciliationsController(
         IUnitOfWork unitOfWork,
-        ITenantContext tenantContext)
+        ITenantContext tenantContext,
+        IAccountingAiService accountingAi,
+        IAiUsageLogger usageLogger)
     {
         _unitOfWork = unitOfWork;
         _tenantContext = tenantContext;
+        _accountingAi = accountingAi;
+        _usageLogger = usageLogger;
     }
 
     private bool AllowAccounting() =>
@@ -269,6 +276,91 @@ public class BankReconciliationsController : Controller
         return View(recon);
     }
 
+    // ── AI Auto-Match (AJAX) ──────────────────────────────────────────────────
+
+    /// <summary>
+    /// AJAX endpoint. Passes uncleared bank rec items to Claude and returns suggested items
+    /// to mark as cleared. The controller assembles all three transaction types (deposits,
+    /// bill payments, expenses) for the reconciliation's account, then delegates scoring to
+    /// <see cref="IAccountingAiService.AutoMatchReconciliationAsync"/>. The caller applies
+    /// suggestions client-side by auto-checking the corresponding table rows.
+    /// </summary>
+    [HttpPost]
+    [Authorize(Policy = AppConstants.Policies.CanManageJobs)]
+    [ValidateAntiForgeryToken]
+    public async Task<IActionResult> AiSuggestMatches(int reconId)
+    {
+        if (!AllowAccounting()) return Forbid();
+
+        var recon = (await _unitOfWork.BankReconciliations.FindAsync(
+            br => br.Id == reconId, false, br => br.Account))
+            .FirstOrDefault();
+        if (recon == null) return NotFound();
+
+        var accountId     = recon.AccountId;
+        var statementDate = recon.StatementDate;
+
+        var items = new List<BankRecMatchItem>();
+
+        (await _unitOfWork.Payments.FindAsync(
+            p => p.DepositAccountId == accountId && p.PaymentDate <= statementDate && !p.IsCleared))
+            .ToList()
+            .ForEach(p => items.Add(new BankRecMatchItem
+            {
+                EntityType  = "Payment",
+                EntityId    = p.Id,
+                Date        = p.PaymentDate.ToString("yyyy-MM-dd"),
+                Reference   = p.Reference ?? $"PMT-{p.Id}",
+                Description = $"Payment #{p.InvoiceId}",
+                Amount      = p.Amount,
+                Direction   = "deposit"
+            }));
+
+        (await _unitOfWork.BillPayments.FindAsync(
+            bp => bp.BankAccountId == accountId && bp.PaymentDate <= statementDate && !bp.IsCleared))
+            .ToList()
+            .ForEach(bp => items.Add(new BankRecMatchItem
+            {
+                EntityType  = "BillPayment",
+                EntityId    = bp.Id,
+                Date        = bp.PaymentDate.ToString("yyyy-MM-dd"),
+                Reference   = bp.PaymentNumber,
+                Description = bp.Memo ?? bp.BillId.ToString(),
+                Amount      = bp.Amount,
+                Direction   = "payment"
+            }));
+
+        (await _unitOfWork.Expenses.FindAsync(
+            e => e.PaymentAccountId == accountId && e.Date <= statementDate && !e.IsCleared))
+            .ToList()
+            .ForEach(e => items.Add(new BankRecMatchItem
+            {
+                EntityType  = "Expense",
+                EntityId    = e.Id,
+                Date        = e.Date.ToString("yyyy-MM-dd"),
+                Reference   = e.ExpenseNumber,
+                Description = e.Memo ?? string.Empty,
+                Amount      = e.Amount,
+                Direction   = "payment"
+            }));
+
+        if (!items.Any())
+            return Json(new { success = false, errorMessage = "No uncleared transactions to analyze." });
+
+        var request = new AutoMatchRequest
+        {
+            UnclearedItems        = items,
+            BeginningBalance      = recon.BeginningBalance,
+            StatementEndingBalance = recon.EndingBalance
+        };
+
+        var result = await _accountingAi.AutoMatchReconciliationAsync(request);
+        var userId = User.FindFirst(System.Security.Claims.ClaimTypes.NameIdentifier)?.Value ?? "";
+        await _usageLogger.LogAsync(recon.CompanyId, userId, AppConstants.AiFeatures.BankRecAutoMatch, result.Success);
+
+        return Json(result);
+    }
+
     // ── Helpers ──────────────────────────────────────────────────────────────
 
     private async Task PopulateAccountDropdownAsync()