Fix YNAB mirror review findings

- Full resyncs mark mirror rows missing from the download as deleted;
  YNAB omits deleted entities from non-delta responses, so deletions
  made just before a full sync never reached the mirror.
- YNAB tools return errors as text instead of raising, since ToolNode
  re-raises and would fail the whole chat turn. ynab_sql catches all
  sqlglot errors (e.g. an unbalanced quote) and runs the SQL regenerated
  from the validated tree, which also drops comments that broke the
  LIMIT wrapper. Results keep duplicate column names.
- Sync fetches from YNAB before opening the DB transaction, discards the
  payload if the other container synced meanwhile, re-checks freshness
  under the lock so parallel tool calls share one sync, and backs off
  for 60s after a failure.
- The mirror is pinned to one budget; a changed YNAB_BUDGET_ID errors
  instead of mixing budgets, and an unset id stays on the budget the
  first sync resolved from "last-used".
- Change log: no entries for empty month rollover rows, and id fields
  are logged as names (category, payee, account). ynab_recent_changes
  accepts the names it prints ("assignment") and plurals.
- Outputs sized to the 4000-char tool result cap; ynab_sql reuses the
  shared admin message.
- YNAB API client moves back to utils/ynab_service.py, and the frontend
  tool status labels list the new tools.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

raggr-frontend/src/hooks/useChat.ts

@@ -14,9 +14,12 @@ const TOOL_MESSAGES: Record<string, string> = {
   web_search: "Searching the web...",
   get_current_date: "Checking today's date...",
   ynab_budget_summary: "Checking budget summary...",
+  ynab_account_balances: "Checking account balances...",
   ynab_search_transactions: "Looking up transactions...",
-  ynab_category_spending: "Analyzing category spending...",
-  ynab_insights: "Generating budget insights...",
+  ynab_spending_report: "Adding up spending...",
+  ynab_category_budget: "Checking category budgets...",
+  ynab_recent_changes: "Checking recent budget changes...",
+  ynab_sql: "Querying budget data...",
   obsidian_search_notes: "Searching notes...",
   obsidian_read_note: "Reading note...",
   obsidian_create_note: "Saving note...",