Implement fin-hub T24-T26: ingest, runway, coupling, RaaS packaging

Add CSV importers, runway calculator, budget alerts, cross-hub coupling
emitters, finhub CLI, and raas-mvp-packaging docs with full test coverage.

tests/fixtures/anthropic-billing.csv

@@ -0,0 +1,3 @@
+model,input_tokens,output_tokens,cost,currency,usage_date
+claude-sonnet-4-20250514,12000,3000,1.25,USD,2026-06-10
+claude-haiku-3-20240307,50000,2000,0.40,USD,2026-06-11

tests/fixtures/cloud-costs.csv

@@ -0,0 +1,4 @@
+service,amount,currency,date
+state-hub,42.50,EUR,2026-06-01
+core-hub,18.00,EUR,2026-06-15
+gitea,25.00,EUR,2026-06-20

tests/fixtures/hosteurope.csv

@@ -0,0 +1,3 @@
+product,amount,currency,invoice_date,environment
+Dedicated Server M,89.90,EUR,2026-06-01,production
+Backup Storage,9.90,EUR,2026-06-01,production

tests/test_coupling.py

@@ -0,0 +1,24 @@
+import pytest
+
+from fin_hub.coupling.ops_hub import ServiceCostLine, build_service_cost_report
+from fin_hub.ingest.hosteurope import parse_hosteurope_csv
+from pathlib import Path
+
+
+def test_build_service_cost_report_groups_by_service():
+    rows = parse_hosteurope_csv(Path(__file__).parent / "fixtures" / "hosteurope.csv")
+    lines = [
+        ServiceCostLine(
+            service_id=row.service_id,
+            environment=row.environment,
+            period_month=row.period_month,
+            amount=row.amount,
+            currency=row.currency,
+            source=row.source,
+        )
+        for row in rows
+    ]
+    report = build_service_cost_report(lines)
+    assert report["signal"] == "service_cost_attribution"
+    assert len(report["services"]) == 2
+    assert report["totals_by_month"]["2026-06"] == pytest.approx(99.8)

tests/test_ingest.py

@@ -0,0 +1,28 @@
+from pathlib import Path
+
+from fin_hub.ingest.anthropic import parse_anthropic_billing_csv
+from fin_hub.ingest.cloud import parse_cloud_cost_csv
+from fin_hub.ingest.hosteurope import parse_hosteurope_csv
+
+FIXTURES = Path(__file__).parent / "fixtures"
+
+
+def test_parse_cloud_cost_csv():
+    rows = parse_cloud_cost_csv(FIXTURES / "cloud-costs.csv")
+    assert len(rows) == 3
+    assert rows[0].service == "state-hub"
+    assert rows[0].amount == 42.5
+
+
+def test_parse_anthropic_billing_csv():
+    rows = parse_anthropic_billing_csv(FIXTURES / "anthropic-billing.csv")
+    assert len(rows) == 2
+    assert rows[0].provider == "anthropic"
+    assert rows[0].tokens_in == 12000
+
+
+def test_parse_hosteurope_csv():
+    rows = parse_hosteurope_csv(FIXTURES / "hosteurope.csv")
+    assert len(rows) == 2
+    assert rows[0].service_id == "dedicated-server-m"
+    assert rows[0].period_month == "2026-06"

tests/test_models.py

@@ -1,6 +1,6 @@
 """Smoke tests for fin-hub model registration."""
 
-from fin_hub.models import Budget, BurnRate, Commitment, RunwayProjection, TokenSpend
+from fin_hub.models import Budget, BurnRate, Commitment, RunwayProjection, ServiceCost, TokenSpend
 from hub_core.models.base import Base
 
 
@@ -11,6 +11,7 @@ def test_fin_models_register_on_metadata():
     assert "fin_burn_rates" in tables
     assert "fin_runway_projections" in tables
     assert "fin_token_spends" in tables
+    assert "fin_service_costs" in tables
 
 
 def test_model_classes_importable():
@@ -18,4 +19,5 @@ def test_model_classes_importable():
     assert Commitment.__tablename__ == "fin_commitments"
     assert BurnRate.__tablename__ == "fin_burn_rates"
     assert RunwayProjection.__tablename__ == "fin_runway_projections"
-    assert TokenSpend.__tablename__ == "fin_token_spends"
+    assert TokenSpend.__tablename__ == "fin_token_spends"
+    assert ServiceCost.__tablename__ == "fin_service_costs"

tests/test_runway.py

@@ -0,0 +1,16 @@
+from fin_hub.services.alerts import evaluate_budget_alerts
+from fin_hub.services.runway import compute_runway
+
+
+def test_compute_runway_below_threshold():
+    runway = compute_runway(current_balance=6000, monthly_burns=[2000, 2200, 2100], alert_threshold_months=3.0)
+    assert runway.months_remaining < 3.0
+    assert runway.below_threshold is True
+
+
+def test_budget_alerts_include_runway_and_utilisation():
+    runway = compute_runway(current_balance=6000, monthly_burns=[2000, 2200, 2100])
+    alerts = evaluate_budget_alerts(runway=runway, allocated=10000, spent=8500)
+    codes = {alert.code for alert in alerts}
+    assert "runway_below_threshold" in codes
+    assert "budget_pressure" in codes