One file per decision, numbered in order: NNNN-short-title.md. New records get the next number; superseded records stay in place with a note pointing at their replacement.

ADR	Title	Status
0001	Up transaction poller	Accepted
0002	Bronze table for raw transactions	Accepted, extended by 0012
0003	Silver layer of typed transactions	Accepted, amended by 0004 and 0013
0004	Promotion runs on its own cron	Accepted
0005	Gold layer of aggregate tables	Accepted, marts re-grained by 0009
0006	Layer naming scheme	Accepted
0007	Webhook ingestion into bronze	Accepted
0008	Balance reconstruction from transactions	Accepted, monthly mart superseded by 0009
0009	Gold at daily grain, durations at query time	Accepted
0010	Income mart for the savings-rate denominator	Accepted
0011	External destinations are not spend	Accepted
0012	Bronze keeps an append-only observation log	Accepted
0013	Silver quarantines rejects instead of halting	Accepted