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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>