fetch-bank-data

Use when the user says "fetch bank data", "pull from bank", "fetch hapoalim", "fetch cal", "fetch credit card", "pull from cal", or any morning-equivalent. Pulls fresh transactions + balances from Bank Hapoalim and Cal via israeli-bank-scrapers, records private reconciliation observations in a sidecar notes file, and stages paired files in local inbox/staging/fetched/ for the next sync-finance-data run to ingest.