HOW IT EARNS
- 1.2 mpd local, 2.2 mpd overseas. No cap, no minimum, no bonus category.
- Earned per whole S$1; rounding happens ONCE on the period total, not per
  row.

WATCH OUT
- Long exclusion list: transit (every MRT and bus fare), education,
  insurance, government, all bill payments.
- The statement header says 2 Citi Miles per foreign S$1 while clause 3.1,
  the promotion T&C and MileLion all say 2.2. Modelled as 2.2; no foreign row
  has landed here to settle it.
- Clause 3.2 says miles are "rounded down"; the statements contradict it
  (31.2 printed 31, 418.8 printed 419). Period-total rounding is what fits.

NOT MODELLED
- 10 mpd Kaligo and 7.2 mpd Agoda promotions, which have their own end dates.
- The 10,000-mile annual-fee credit (clause 3.4) — not spend-driven.

EVIDENCE
- All three earning cycles tie: 31, 204, 419. April's six rows give exactly
  204.0 at whole dollars, which is what pins the S$1 block down.
- Statements were uploaded from page 4, so no statement date was parsed; the
  cycle is inferred from payment due dates, 25 days after close.