diff --git a/todo.yaml b/todo.yaml
index 8741560..80cde42 100755
--- a/todo.yaml
+++ b/todo.yaml
@@ -2,7 +2,6 @@ todo:
 - review readme tail to finish // answer 3 questions, gofmt
 - todo: go test
   subtasks:
-  - TestAnalyzer_TransactionsFromURLs
   - TestAnalyzer_TransactionsFromURLsConcurrent
   - amount.go:Rounded probably does NOT handle float precision well... it is float64
     tho...
@@ -1643,3 +1642,61 @@ done:
                * which is bombing because transaction implements fmt.Stringer
                   * nope turned out that didnt matter though it was sketchy
   ts: Sun Oct 15 13:42:02 MDT 2023
+- todo: go test
+  subtasks:
+  - TestAnalyzer_TransactionsFromURLs
+  - TestAnalyzer_TransactionsFromURLsConcurrent
+  - amount.go:Rounded probably does NOT handle float precision well... it is float64
+    tho...
+  - my `go mod tidy` actually cleared `go.mod` file, probably weird localhost backwards
+    compatilble stuff
+  - transaction.go:Transaction:String not clear if FormatUSD or amount currency should
+    not be changed, or even what currency Amount is
+  - transaction.go:Transaction:Sum again doesnt care about Amount currency or vendor/vendee
+    drift
+  - analyzer.go:Analyzer:LargestTransaction doesn't specify how to break ties; stable
+    or latest?
+  - analyzer.go:Analyzer:Add should dedupe transactions added, but transactions.go:FromFile
+    will load duplicate transactions from json file so hmmmm
+  - todo: analyzer.go:Analzyer:Add dedupes each transaction, which is O(n**2)
+    details: |
+      * BUT there's no indicator whether order of the array matters, so it's unsafe for me to sort/heapify that stuff
+      * OR I can store a second copy of all entries in a map, but that risks drift syncing the two
+      * SO I could create a UniqueTransactions struct {
+          transactions []Transaction
+          dedupes map[Transaction]struct{}
+        }
+        but that's just doubling RAM usage in a thing that sounds like it could scale infinitely over time
+        SO I could do a [hash(Transaction)][]*Transaction and compare just a subset. Because it's in RAM and computed live, the hash cardinality could be changed on any release
+        <------------------ if I have time, do this
+  - analyzer.go:Analyzer:Add dedupes but what is a duplicate transaction? Transactions
+    can be pending and then later disappear to have their date updated OR be like
+    pre-charges on credit cards that later disappear
+  - analyzer.go:Analyzer:Add is not concurrency-safe
+  - analyzer.go:Analyzer:ByCategory probably allocates big slices out the gate and
+    expends to way-too-big-slices by end time. Could do 2 passes (still O(n)) to pre-compute
+    each category's size. Makes code look weird, though. Hm.
+  - analyzer.go:Analyzer:Largest should be an anz.transactions.Max() to match Sum
+  - analyzer.go:Analyzer:Count should be an anz.transactions.Len() to match Sum
+  - analyzer.go:Analyzer:tranasctionsMean I ASSUME arithmetic mean (sum/count), but
+    could be another mean not specified (ie geometric)
+  - analyzer.go:Analyzer:BigSpendersReport assumes no overlapping FirstInitial LastName
+    cardholders
+  - transactions.go:TransactionsFromURLs needs streaming json parsing
+  - todo: transactions.go:TransactionsFromURLs count
+    details: |
+      * curl+jq reveals 983 unique transactions.
+      * My code yields 1000 and test asserts 980 (added to localfile of 188). My equality must be broken and test's must be flexible. curl+jq on file and remote confirm
+      * it's 1171 transactions. Equaility must not be waht I expect. Gotta look at individual transactions to find what is specified that doesnt match.
+         * May be float problems,
+            * nope, set up a UnmarshalJSON to compare each unmarshalled float vs input and it looks K
+         * may be time zones...
+         * or casing...
+            * strings.ToLower(fmt.Sprint(trn)) == strings.ToLower(fmt.Sprint(other)) deduped some file-based transactions but still yielded all 1000 from remote
+               * which is bombing because transaction implements fmt.Stringer
+                  * nope turned out that didnt matter though it was sketchy
+                     $ curl -sS https://assets.digits.com/uploads/hiring/swift-work-sample/transactions-aa.json | jq -c .[] | grep -A 1 -B 1 73.68.*Munday
+                        {"AgencyName":"OKLAHOMA STATE UNIVERSITY","AgencyNumber":"1000","Amount":"73.68","CardholderFirstInitial":"T","CardholderLastName":"Munday","Description":"3 KA 3206              1 9 EAC","MerchantCategory":"ELECTRICAL PARTS AND EQUIPMENT","PostedDate":"07/31/2013 12:00:00 AM","TransactionDate":"07/11/2013 12:00:00 AM","Vendor":"ANIXTER INC","YearMonth":"201307"}
+                        {"AgencyName":"OKLAHOMA STATE UNIVERSITY","AgencyNumber":"1000","Amount":"73.68","CardholderFirstInitial":"T","CardholderLastName":"Munday","Description":"3 KA 0324 EAC","MerchantCategory":"ELECTRICAL PARTS AND EQUIPMENT","PostedDate":"07/31/2013 12:00:00 AM","TransactionDate":"07/11/2013 12:00:00 AM","Vendor":"ANIXTER INC","YearMonth":"201307"}
+                  * I think the answer key wrongly deduped these similar but different description transactions
+  ts: Sun Oct 15 13:48:03 MDT 2023