Mark TopstepX accounts dead only off landed fills and settled books

The MLL floor no longer recomputes while a position is open or while
the balance disagrees with the books beyond fee noise — the last
settled floor stands, so balance ≤ floor can only come true when a
booked fill crosses a settled floor (Topstep's own liquidation fill
included). The floor also survives canTrade flipping off, so a blown
account stays ☠ instead of demoting to inactive.

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

lib/topstepx-class.ts

@@ -584,12 +584,24 @@ export class TopstepXClient implements PlatformClient {
      * accounts are skipped: the platform has already retired them.
      */
     private updateMllFloor(account: PlatformAccount): void {
-        if (!account.active) { this.autoLiqThresholds[account.id] = 0; return; }
+        // Deliberately computed for canTrade=false accounts too: when Topstep
+        // liquidates a breach and disables the account, the floor must SURVIVE
+        // so the dashboards show it as blown (☠), not merely inactive. Retired
+        // accounts without an assigned type fall out below via dd = 0.
         const dd = getAccountConfig(account.id).accountType?.trailingDrawdown ?? 0;
         const history = this.fullDailyPnL[account.id];
         const cash = this.accountCashBalances[account.id];
         if (!(dd > 0) || !history || !cash) { this.autoLiqThresholds[account.id] = 0; return; }
 
+        // Only move the floor on SETTLED books: never mid-trade (the fill
+        // hasn't landed — the dead check must not fire off half-processed
+        // state), and never while the balance disagrees with the books by
+        // more than fee noise (a fill or fund event is still being absorbed;
+        // reconcileFunds or the next sync settles it). The previous floor
+        // stands until then, so `balance ≤ floor` can only come true off a
+        // landed, booked fill.
+        if (this.positions[account.id]) return;
+
         const today = currentTradeDateCT();
         const fees = this.dailyFees[account.id] ?? new Map<string, number>();
 
@@ -608,6 +620,9 @@ export class TopstepXClient implements PlatformClient {
         const booked = dates.reduce((s, d) => s + events.get(d)!, 0);
         const todayFund = (this.fundTransactions[account.id] ?? []).find((f) => f.date === today)?.amount ?? 0;
         const residual = Math.round((cash.amount - cash.realizedPnL - todayFund - booked) * 100) / 100;
+        // Books not settled (an unabsorbed fill or an unbooked fund event) —
+        // keep the previous floor rather than skewing the curve with it.
+        if (Math.abs(residual) >= 200) return;
         const totalFees = dates.reduce((s, d) => s + (fees.get(d) ?? 0), 0);
 
         let bal = 0;