Fix mail counts and finance ranges found testing live

- mail printed threads and the model called them emails; it now
  reports messages and threads.
- finance spending takes a since date (default the first of the month)
  instead of a day count, and an optional asset account. The
  per-account listing needs an end date or the API rejects it; an
  unknown account name gets the user's accounts back.
- Tool errors are capped at 2000 characters like normal output.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

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