Sync YNAB in the background inside the tools' freshness window #74
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Delete Branch "perf/ynab-sync-interval"
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Agent tools call ensure_fresh(120s) but the background loop defaulted to 900s, so most finance questions waited on an inline YNAB fetch. Default the loop to 90s (40 req/h, under YNAB's 200/h).
Note: an existing .env that sets YNAB_SYNC_INTERVAL=900 keeps the old behavior; update it on the host.
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