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Previously: holidays reduced the fund (fund = bizDays - holidays). This caused a mismatch — frontend compared covered against full month fund, but backend used reduced fund. Now: holidays count as covered hours (like vacation/sick). Fund stays at full working days. So worked + vacation + sick + holidays = covered, and covered >= fund means fulfilled. Example: Jan has 22 days (176h), 1 holiday. Haas worked 168h. Before: fund=168, covered=168, OK but frontend saw fund=176, not OK. After: fund=176, covered=168+8=176, OK everywhere. Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>