Projection, year-over-year comparison, find-missed

**Projection** (`tax_projection`) takes the current year's YTD activity and projects full-year liability at three confidence bands. Useful for quarterly estimated payments — the projection feeds the form-1040-ES generator.

**Year-over-year compare** (`tax_compareYears`) puts two (or more) years side by side, highlights variances over a configurable threshold, and flags categories with unusual swings. Most-common use: spotting a deduction that was claimed last year but missed this year, or a revenue category that grew abnormally (good to investigate before filing).

**Find missed deductions** (`tax_findMissed`) scans your accounting categories against the standard deduction catalog for your entity type, and surfaces categories the books show activity in but the return does not yet account for. Common hits: home-office portion of utilities, business-use mileage on a personal vehicle, deductible portion of meals & entertainment, retirement-plan contributions.

All three tools work from chat. Run them throughout the year, not just at filing.