- Add guest trial mode entry point with repositioned CTA on Login page
- Introduce GuestModeBanner with responsive alignment and vertical centering
- Intercept guest API requests via Axios adapter with full offline mock dataset
- Support Debts & Loans module, Amortization simulator, and full permissions for Guest user
- Add client-side mock responses for AI Assistant (Chat, Insights, Recommendations) consuming 0 tokens
- Add defensive optional chaining and array fallbacks across Forecast, Saving Goals, Reports, Debts, and AI views
- Update multi-language dictionaries (vi/en) with guest mode labels and descriptions