Credit cards and transfers now read with the correct sign and direction

Getting the direction of money right is the whole game in forensic work, and a few statement layouts were tripping the extractor up. This round fixes them.

• Credit-card charges and payments carry the right sign. The sign is now decided per transaction from the account type, so a charge reads as money out and a payment as money in, even when credit-card activity sits inside a bank statement.

• Transfers land on the correct side of the ledger. A transfer in is no longer flipped to a transfer out just because it shares a description with an outgoing transfer. Direction is settled at the end of the pipeline instead of by a majority vote across batches.

• Benefit deposits stop disappearing. Social Security, SSI, and VA deposits were being caught by an over-broad rule that skipped anything with "benefit" in it. They come through now, along with fixes for long descriptions getting cut off and rows going missing.