Fix/remove disabled fields (#426)

* fix(dashboard): enable salary features with "Beta" badge for testing

* fix(errors): enhance Swedish error message patterns for better user feedback

fix(salary): update Nordea Personkonto handling in account encoding logic

* fix(agi): implement feature flag for AGI transmission and update button states

* fix(swedish-payroll): update youth rate eligibility criteria and enhance documentation

* fix(agi-panel): remove feature flag for AGI transmission and simplify button states

.claude/skills/swedish-payroll/SKILL.md

@@ -40,7 +40,7 @@ Total rate unchanged since 2009. Calculated on full gross salary + taxable benef
 | Born 1937 or earlier | 0% |
 | Turned 66+ at year start (67+ from 2026) | 10.21% (only ålderspensionsavgift) |
 | Standard (all others) | 31.42% |
-| Temporary youth 19-23 (Apr 2026 - Sep 2027) | 20.81% on salary up to 25,000 SEK/month |
+| Temporary youth (Apr 2026 – Sep 2027) | 20.81% on salary up to 25,000 SEK/month. Eligible: vid årets ingång fyllt 18, inte 23 (i.e. age 18–22 at Jan 1; born 2003–2007 in 2026, 2004–2008 in 2027). NOT during-year age — Skatteverket rejects 23-year-olds at year start. Source: Prop. 2025/26:66 |
 
 No avgifter required if total annual compensation from one employer < 1,000 SEK.
 

.claude/skills/swedish-payroll/references/social-charges.md

@@ -22,7 +22,7 @@ Check each employee's birth year against calendar year:
 - Born 1937 or earlier: 0% (no avgifter)
 - Turned 66 at year's start (born ≤1958 for 2024, ≤1959 for 2025; threshold rises to 67 in 2026): only ålderspensionsavgift = 10.21%
 - Youth discount: abolished January 1, 2024
-- New temporary reduction (Apr 1, 2026 - Sep 30, 2027): 20.81% on salary up to 25,000 SEK/month for ages 19-23
+- New temporary reduction (Apr 1, 2026 – Sep 30, 2027): 20.81% on salary up to 25,000 SEK/month per individual per calendar month. Eligibility: at årets ingång (1 Jan) the employee must have **turned 18 but NOT turned 23** — i.e. ages 18–22 at year start (born 2003–2007 for tax year 2026, 2004–2008 for 2027). Statutory wording: *"personer som vid årets ingång har fyllt 18 men inte 23 år"* (Prop. 2025/26:66 / Lag om särskild beräkning av arbetsgivaravgifter och allmän löneavgift för personer som vid årets ingång har fyllt 18 men inte 23 år). The Riksdag betänkande title "19–23-åringar" describes the during-year age and is NOT the eligibility test — Skatteverket's AGI validator rejects 23-year-olds at year start.
 
 No avgifter required if total annual compensation from a single employer < 1,000 SEK.
 

lib/errors/get-error-message.ts

@@ -152,6 +152,16 @@ function isSwedishUserMessage(message: string): boolean {
     /förfrågan/i,
     /obligatorisk/i,
     /bokföringen är låst/i,
+    /fält/i,
+    /värde/i,
+    /felaktig/i,
+    /för (lång|kort|stor|liten|många|få)/i,
+    /bankgiro/i,
+    /personnummer/i,
+    /kontonummer/i,
+    /clearingnummer/i,
+    /nummer är/i,
+    /tillgängligt/i,
   ]
   return swedishPatterns.some((p) => p.test(message))
 }

lib/salary/__tests__/calculation-engine.test.ts

@@ -10,6 +10,11 @@ vi.mock('../personnummer', () => ({
     if (encrypted === 'mock_old_person') return '193501011234'
     if (encrypted === 'mock_young_person') return '200301011234'
     if (encrypted === 'mock_senior_person') return '195801011234'
+    // Generic helper: 'mock_born_YYYY' resolves to a Jan-1 birth in YYYY.
+    // Used by ungdomsrabatt boundary tests so each case names its own year
+    // explicitly rather than depending on a global mock alias.
+    const m = /^mock_born_(\d{4})$/.exec(encrypted)
+    if (m) return `${m[1]}01011234`
     return '199001011234' // Default: born 1990
   },
   calculateAgeAtYearStart: (pnr: string, year: number) => {
@@ -367,4 +372,128 @@ describe('calculateAvgifterRate', () => {
     expect(result.rate).toBe(0.1021)
     expect(result.category).toBe('vaxa_stod')
   })
+
+  // Ungdomsrabatt 2026-2027 (Prop. 2025/26:66). Eligibility test is
+  // age >= 18 AND age < 23 at årets ingång. Cases below pin all four age
+  // boundaries plus the period-window edges.
+  describe('youth rate (ungdomsrabatt 2026-2027)', () => {
+    it('NOT eligible — age 17 at year start (too young)', () => {
+      const result = calculateAvgifterRate(
+        makeBasicInput({ personnummer: 'mock_born_2009', paymentDate: '2026-05-25' }),
+        config2026,
+        2026,
+      )
+      expect(result.category).toBe('standard')
+      expect(result.rate).toBe(0.3142)
+    })
+
+    it('eligible — age 18 at year start (lower boundary)', () => {
+      const result = calculateAvgifterRate(
+        makeBasicInput({ personnummer: 'mock_born_2008', paymentDate: '2026-05-25' }),
+        config2026,
+        2026,
+      )
+      expect(result.category).toBe('youth')
+      expect(result.rate).toBe(0.2081)
+    })
+
+    it('eligible — age 22 at year start (upper boundary)', () => {
+      const result = calculateAvgifterRate(
+        makeBasicInput({ personnummer: 'mock_born_2004', paymentDate: '2026-05-25' }),
+        config2026,
+        2026,
+      )
+      expect(result.category).toBe('youth')
+      expect(result.rate).toBe(0.2081)
+    })
+
+    // Regression: this is the case Skatteverket's AGI validator rejected.
+    // The previous implementation incorrectly accepted age 23 at year start.
+    it('NOT eligible — age 23 at year start (just over)', () => {
+      const result = calculateAvgifterRate(
+        makeBasicInput({ personnummer: 'mock_born_2003', paymentDate: '2026-05-25' }),
+        config2026,
+        2026,
+      )
+      expect(result.category).toBe('standard')
+      expect(result.rate).toBe(0.3142)
+    })
+
+    it('NOT eligible — age 22 but paid March 2026 (before period starts)', () => {
+      const result = calculateAvgifterRate(
+        makeBasicInput({ personnummer: 'mock_born_2004', paymentDate: '2026-03-15' }),
+        config2026,
+        2026,
+      )
+      expect(result.category).toBe('standard')
+      expect(result.rate).toBe(0.3142)
+    })
+
+    it('NOT eligible — age 22 but paid October 2027 (after period ends)', () => {
+      const config2027: PayrollConfig = { ...config2026, configYear: 2027 }
+      const result = calculateAvgifterRate(
+        makeBasicInput({ personnummer: 'mock_born_2005', paymentDate: '2027-10-10' }),
+        config2027,
+        2027,
+      )
+      expect(result.category).toBe('standard')
+      expect(result.rate).toBe(0.3142)
+    })
+
+    it('eligible — payment exactly April 1 2026 (period start edge)', () => {
+      const result = calculateAvgifterRate(
+        makeBasicInput({ personnummer: 'mock_born_2004', paymentDate: '2026-04-01' }),
+        config2026,
+        2026,
+      )
+      expect(result.category).toBe('youth')
+      expect(result.rate).toBe(0.2081)
+    })
+
+    it('eligible — payment exactly September 30 2027 (period end edge)', () => {
+      const config2027: PayrollConfig = { ...config2026, configYear: 2027 }
+      const result = calculateAvgifterRate(
+        makeBasicInput({ personnummer: 'mock_born_2005', paymentDate: '2027-09-30' }),
+        config2027,
+        2027,
+      )
+      expect(result.category).toBe('youth')
+      expect(result.rate).toBe(0.2081)
+    })
+  })
+})
+
+describe('calculateSalary — youth cap', () => {
+  // The 25 000 SEK monthly cap is applied by calculateSalary (not
+  // calculateAvgifterRate) so it has to be exercised through the integration
+  // path. Salary above the cap: discounted portion at 20.81%, excess at 31.42%.
+  it('applies 20.81% on first 25 000 SEK and 31.42% on the excess', () => {
+    const result = calculateSalary(
+      makeBasicInput({
+        personnummer: 'mock_born_2004', // age 22 at year start 2026
+        paymentDate: '2026-06-25',
+        monthlySalary: 30000,
+      }),
+      config2026,
+      [],
+    )
+    // 25 000 × 0.2081 + 5 000 × 0.3142 = 5 202.50 + 1 571.00 = 6 773.50
+    expect(result.avgifterAmount).toBeCloseTo(6773.5, 1)
+    expect(result.avgifterCategory).toBe('youth')
+  })
+
+  it('applies pure 20.81% when salary is at or below the cap', () => {
+    const result = calculateSalary(
+      makeBasicInput({
+        personnummer: 'mock_born_2004',
+        paymentDate: '2026-06-25',
+        monthlySalary: 20000,
+      }),
+      config2026,
+      [],
+    )
+    // 20 000 × 0.2081 = 4 162.00
+    expect(result.avgifterAmount).toBeCloseTo(4162, 1)
+    expect(result.avgifterCategory).toBe('youth')
+  })
 })

lib/salary/agi/field-codes.ts

@@ -19,7 +19,7 @@ export const HUVUDUPPGIFT_FIELDS = {
   RUTA_060: '060',
   /** Arbetsgivaravgifter — age-reduced (10.21%, born ≤1959 for 2026) */
   RUTA_061: '061',
-  /** Arbetsgivaravgifter — youth rate (20.81%, ages 19-23, Apr 2026–Sep 2027) */
+  /** Arbetsgivaravgifter — youth rate (20.81%, vid årets ingång 18–22 år, Apr 2026–Sep 2027; Prop. 2025/26:66) */
   RUTA_062: '062',
 } as const
 

lib/salary/calculation-engine.ts

@@ -490,17 +490,23 @@ export function calculateAvgifterRate(
     }
   }
 
-  // Youth rate (2026: ages 19-23, Apr-Sep only)
-  if (config.avgifterYouthRate !== null && ageAtYearStart >= 19 && ageAtYearStart <= 23) {
+  // Youth rate (ungdomsrabatt 2026-2027, Prop. 2025/26:66):
+  //   "personer som vid årets ingång har fyllt 18 men inte 23 år"
+  // → eligible at årets ingång: age >= 18 AND age < 23 (i.e. age ≤ 22 on Jan 1).
+  // The Riksdag betänkande's "19-23-åringar" wording is colloquial — those
+  // eligible at year start (18-22) become 19-23 during the year. We test the
+  // year-start age, not the during-year age. Skatteverket's AGI validator
+  // rejects 23-year-olds at year start as not eligible.
+  // Active period: 1 April 2026 - 30 September 2027.
+  if (config.avgifterYouthRate !== null && ageAtYearStart >= 18 && ageAtYearStart <= 22) {
     const [, monthStr] = input.paymentDate.split('-')
     const month = parseInt(monthStr)
-    // Youth rate valid Apr 2026 - Sep 2027
     const isYouthPeriod = (paymentYear === 2026 && month >= 4) || (paymentYear === 2027 && month <= 9)
     if (isYouthPeriod) {
       steps.push({
         label: 'Avgiftskategori',
-        formula: `Ungdomsrabatt (${ageAtYearStart} år): ${fmtPct(config.avgifterYouthRate)} på första ${fmtKr(config.avgifterYouthSalaryCap ?? 0)}`,
-        input: { age: ageAtYearStart, cap: config.avgifterYouthSalaryCap ?? 0 },
+        formula: `Ungdomsrabatt (vid årets ingång ${ageAtYearStart} år): ${fmtPct(config.avgifterYouthRate)} på första ${fmtKr(config.avgifterYouthSalaryCap ?? 0)}/mån`,
+        input: { age_at_year_start: ageAtYearStart, cap: config.avgifterYouthSalaryCap ?? 0 },
         output: null,
       })
       return { rate: config.avgifterYouthRate, amount: 0, basis: 0, category: 'youth', steps }

lib/salary/payment/bg-lb-generator.ts

@@ -309,6 +309,13 @@ function pad(value: string, length: number): string {
  *
  * For 5-digit clearings starting with "8": digits 1-4 go to the clearing field,
  * the 5th digit becomes the first digit of the 10-position account field.
+ *
+ * Nordea Personkonto with 11-digit account number: the displayed account
+ * already includes the 4-digit clearing as its leading digits (e.g. clearing
+ * 1708 + account 17082042825). The 10-digit BG-LB account field cannot fit
+ * 11 digits, so we strip the redundant clearing prefix and zero-pad the
+ * remaining 7 digits to 10. The receiving bank reconstructs the full
+ * personkonto from clearing + account.
  */
 function encodeReceiverAccount(
   clearingInput: string,
@@ -318,6 +325,11 @@ function encodeReceiverAccount(
   const account = accountInput.replace(/\D/g, '')
 
   if (clearing.length === 4) {
+    // Nordea Personkonto: account is 11 digits and starts with the clearing.
+    // Strip the redundant clearing prefix so it fits the 10-digit account field.
+    if (account.length === 11 && account.startsWith(clearing)) {
+      return { clearing4: clearing, accountWithSwedbankPrefix: account.slice(4) }
+    }
     return { clearing4: clearing, accountWithSwedbankPrefix: account }
   }