Instead of the 9 AM CT heuristic, compare the withdrawal timestamp against the day's earliest trade timestamp. If trades happened AFTER the withdrawal, those trades count toward the new cycle. Falls back to the 9 AM heuristic when first-trade timestamp is unavailable (e.g., cache-only fallback path). Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>