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feat: add the Target Savings and Spend & Save flows - #2
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Adds the savings flows to the reference app. Target Savings: create a goal with its fee breakdown, list goals with their allowance status, deposit, renew the allowance, preview and withdraw. Spend & Save: enrol, change settings, pay and save with a skim preview, see the next window, preview and withdraw, close. Every write shows its hash and ledger, and the This session list keeps them for the smoke test. Adds docs/smoke-test.md, the browser checklist to run on a UTC day from 1 to 28.