portal: 90% threshold for budget notices; sweep 3x a day

Trigger becomes proportional (90% of the balance used) instead of a $2 floor, so a member on $15 and one on $35 are treated the same. The once-per-crossing latch keys on the same fraction. membership_sweep moves from '0 3 * * *' to '0 3,11,19 * * *' so the notice arrives within hours of crossing rather than up to a day later. BUDGET_NOTICES remains off.

CloudronManifest.json

@@ -15,7 +15,7 @@
   "sendmail": {},
   "scheduler": {
    "membership_sweep": {
-    "schedule": "0 3 * * *",
+    "schedule": "0 3,11,19 * * *",
     "command": "/app/code/sweep.sh"
    },
    "rag_refresh": {

app/main.py

@@ -3973,9 +3973,10 @@ async def index():
 
 # Generic on purpose: the balance can be short because the monthly allowance is spent,
 # because purchased credit is spent, or a mix — the letter says "balance" so it is true
-# either way. The trigger is an absolute floor, not a percentage, so it means the same
-# thing to a member on a $15 allowance and a member on $35.
-BUDGET_LOW_WATER = float(os.environ.get("BUDGET_LOW_WATER", "2.00"))
+# either way. The trigger is proportional — 90% of the balance used — so it means the same
+# thing to a member on $15 and one on $35: the letter arrives when roughly a tenth is left,
+# on whichever sweep follows, rather than at an arbitrary absolute amount.
+BUDGET_NOTICE_AT = float(os.environ.get("BUDGET_NOTICE_AT", "0.90"))
 
 PINE_LOGO_SVG = """<svg width="56" height="56" viewBox="0 0 130 130" fill="none" xmlns="http://www.w3.org/2000/svg" aria-hidden="true">
                 <circle cx="65" cy="14" r="5" fill="#5b8c5a"/>
@@ -4131,10 +4132,10 @@ async def budget_notice_sweep(send: bool = False) -> dict:
             continue
 
         remaining = float(budget) - spend
-        if remaining >= BUDGET_LOW_WATER:
-            # Back above the line — they added funds, or the allowance reset. Clear the latch so
-            # the NEXT crossing sends a fresh notice. That is what makes it once each time, and
-            # it is why this is a latch rather than a key on the budget cycle.
+        if spend < BUDGET_NOTICE_AT * float(budget):
+            # Above the line — they added funds, or the allowance reset. Clear the latch so the
+            # NEXT crossing sends a fresh notice. That is what makes it once each time, and it
+            # is why this is a latch rather than a key on the budget cycle.
             conn.execute("DELETE FROM budget_notices WHERE email = ?", (email,))
             conn.commit()
             continue