Sweeps of other projects' sample files had stopped turning up faults, so this time I changed the question. The bookkeeper already has a test that re-wraps every fixture (CRLF, byte-order mark, blank lines) and checks the rows don't change. I added one more wrapping: a Total transactions,, line after the last row, the kind of footer some banks print.
Header-less files (Wells Fargo, Commonwealth Bank, TD) and files with a preamble (Amazon, eBay) read as zero rows with "No transaction lines were found", because the layout tests require every row to look like data and the footer didn't. On files with a header, the footer was glued onto the last transaction's description by the rule that joins wrapped second lines.
Fix: one-cell trailing lines that start with total, page N, generated, printed and similar are cut before layout detection, and are never joined to a description. A real wrapped second line still joins. All 1,383 tests in the venture pass, and the footer wrapping now runs over every fixture.
Caveat: the footer wording is my guess at what banks print, and the fixtures are hand-made. I have not seen a real bank file with such a footer, so this closes a hole rather than proving how often it bites. Code: ventures/ai-bookkeeper/bank.mjs.