fix: address account valuation review findings

tests/test_dashboard_app.py

@@ -61,7 +61,7 @@ def test_streamlit_apptest_core_pages_use_synthetic_fixture_db(tmp_path, monkeyp
         "월정산": "월간 핵심 KPI",
     }
     for page, expected_text in page_expectations.items():
-        at = AppTest.from_file(str(app_path), default_timeout=10)
+        at = AppTest.from_file(str(app_path), default_timeout=30)
         at.query_params["page"] = page
         if page == "월정산":
             at.query_params["month"] = "2026-06"
@@ -88,7 +88,7 @@ def test_streamlit_apptest_core_pages_use_synthetic_fixture_db(tmp_path, monkeyp
             assert "최근 동기화: 2026-06-30T23:59:00+09:00" in body_text
             assert "잔액: 1,250,000원" in body_text
             assert "상태: 정상" in body_text
-            assert "자산 상세: 경고 없음" in body_text
+            assert "자산 상세: 경고 3건 / 제외 1건" in body_text
             assert "월정산 결과 / Evidence" in body_text
             assert "읽기 전용 근거 요약" in body_text
             assert "이번 범위에는 월정산 close 저장/실행이 포함되지 않습니다" in body_text
@@ -130,3 +130,88 @@ def test_streamlit_apptest_core_pages_use_synthetic_fixture_db(tmp_path, monkeyp
             assert "/home/" not in body_text
             assert "raw_payload" not in body_text
             assert "🔒 읽기 전용" in body_text
+
+
+def _dashboard_body(at):
+    return "\\n".join(str(item.value) for item in list(at.text) + list(at.markdown) + list(at.caption))
+
+
+def test_authenticated_asset_and_monthly_pages_render_evidence_details(tmp_path, monkeypatch):
+    fixture = tmp_path / "fixture.sqlite3"
+    create_ci_fixture_db(fixture)
+    monkeypatch.setenv("JARCA_LEDGER_DB_PATH", str(fixture))
+    monkeypatch.setenv(authentication.ADMIN_ID_ENV, "test-admin")
+    monkeypatch.setenv(authentication.ADMIN_PASSWORD_ENV, "test-password")
+    monkeypatch.setenv(authentication.SIGNING_SECRET_ENV, "s" * 64)
+    settings = authentication.load_auth_settings()
+    token = authentication.issue_persistent_token(settings, remember_me=False).value
+    monkeypatch.setattr(authentication, "_request_cookie", lambda: token)
+    app_path = Path(__file__).resolve().parents[1] / "dashboard" / "app.py"
+
+    for page in ("자산/마감", "월정산"):
+        at = AppTest.from_file(str(app_path), default_timeout=30)
+        at.query_params["page"] = page
+        if page == "월정산":
+            at.query_params["month"] = "2026-06"
+        at.run()
+        assert not at.exception
+        body = _dashboard_body(at)
+        if page == "월정산":
+            assert "missing_verified_exact_valuation" in body
+            assert "acct_" in body
+            assert "제외 상세" in body
+        assert "source_note" not in body
+        assert "memo" not in body
+
+
+def test_authenticated_dashboard_all_pages_are_no_write(tmp_path, monkeypatch):
+    fixture = tmp_path / "fixture.sqlite3"
+    create_ci_fixture_db(fixture)
+    monkeypatch.setenv("JARCA_LEDGER_DB_PATH", str(fixture))
+    monkeypatch.setenv(authentication.ADMIN_ID_ENV, "test-admin")
+    monkeypatch.setenv(authentication.ADMIN_PASSWORD_ENV, "test-password")
+    monkeypatch.setenv(authentication.SIGNING_SECRET_ENV, "s" * 64)
+    settings = authentication.load_auth_settings()
+    token = authentication.issue_persistent_token(settings, remember_me=False).value
+    monkeypatch.setattr(authentication, "_request_cookie", lambda: token)
+    app_path = Path(__file__).resolve().parents[1] / "dashboard" / "app.py"
+    pages = ["월정산", "요약", "자산/마감", "거래내역", "확인필요 큐", "미분류", "분류 규칙", "카테고리", "계좌", "Import"]
+    import sqlite3
+
+    def data_version():
+        with sqlite3.connect(fixture) as conn:
+            return conn.execute("PRAGMA data_version").fetchone()[0]
+
+    before_data_version = data_version()
+
+    for page in pages:
+        at = AppTest.from_file(str(app_path), default_timeout=30)
+        at.query_params["page"] = page
+        if page == "월정산":
+            at.query_params["month"] = "2026-06"
+        at.run()
+        assert not at.exception, (page, at.exception)
+    assert data_version() == before_data_version
+
+
+
+def test_authenticated_dashboard_missing_db_is_stable_and_does_not_initialize(tmp_path, monkeypatch):
+    db_path = tmp_path / "missing" / "nested" / "ledger.sqlite3"
+    monkeypatch.setenv("JARCA_LEDGER_DB_PATH", str(db_path))
+    monkeypatch.setenv(authentication.ADMIN_ID_ENV, "test-admin")
+    monkeypatch.setenv(authentication.ADMIN_PASSWORD_ENV, "test-password")
+    monkeypatch.setenv(authentication.SIGNING_SECRET_ENV, "s" * 64)
+    settings = authentication.load_auth_settings()
+    token = authentication.issue_persistent_token(settings, remember_me=False).value
+    monkeypatch.setattr(authentication, "_request_cookie", lambda: token)
+    app_path = Path(__file__).resolve().parents[1] / "dashboard" / "app.py"
+
+    for page in ["월정산", "요약", "자산/마감", "거래내역", "확인필요 큐", "미분류", "분류 규칙", "카테고리", "계좌", "Import"]:
+        at = AppTest.from_file(str(app_path), default_timeout=30)
+        at.query_params["page"] = page
+        at.run()
+        assert not at.exception, (page, at.exception)
+        body = _dashboard_body(at) + "\n".join(str(item.value) for item in at.error)
+        assert "Ledger DB를 사용할 수 없습니다" in body
+    assert not db_path.exists()
+    assert not db_path.parent.exists()