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Maurice
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A foreign expense without a frozen rate is converted with today's rate. When the server could not fetch rates itself, it counted the amount 1:1 in the trip currency, although the browser had the rates all along. A VND bill on an AUD trip was settled as millions of AUD. Such a row is now left out of the balances, flows, final budgets, trip totals and per-person summaries. The settlement reports it under `unconverted` and says which currency its figures are in; the trip summary lists the ids and the budget prompt says how many are missing. The browser lends the rates it already holds (`fallback_fx`) when it saves an expense or a settle-up transfer, and to heal existing rows through the new POST .../budget/freeze-rates route, which an editor's Costs view calls for the rows the settlement left out. The server still prefers its own rate, uses a lent one only while it is quoted against the trip currency, and never replaces a frozen or explicit rate. The settlement also takes the browser's display rate (`base_rate`) in place of a display quote the server cannot fetch; the browser leaves out a figure the query would refuse. The browser's own fetch gives up after 10 s. Changing a row's currency while no rate is available no longer keeps the old currency's rate; the row goes back to unfrozen. MCP gets the same through the new freeze_budget_rates tool, which only ever pins the server's own rate.