What changed, and when.
Panorama ships when the checks pass, not on a calendar. The latest first.
The new look
Redesign 7, "lit": a navy frame, an off-white sheet, depth under light, and glow kept for what needs you. Every account face up on Things; a utilisation ring on Credit.
Whose
Whose paycheck each deposit is, worked out from the bank's text, your stubs and W-2s, and asked once per employer when those run out. Paid from and belongs to, kept apart. Settle up.
People and privacy
Invite a partner, a viewer or an accountant. Per account and per person: everything, the balance only, or nothing — enforced by the database row by row.
Households
Every book belongs to its household; one household's data never reaches another's.
Merchants and the desk
Every merchant looked up once before anyone is asked; Needs you sorts what is left, by merchant.
The W-2
W-2s read into Tax.
Tax
What the tax year comes to: withholding, states and mileage.
Credit
The three bureaus' reports read line by line and compared, with each dispute's legal clock.