Show the banker the amount to count out, not just whether the player is up

The standings had a column headed "Cash out" and it did not hold an amount to pay.
It held the difference against the player's buy-in. Measured on a table where Ann
bought in for $200 and sits behind $340:

    PLAYER   NET   CASH OUT
    Ann      $0     +$140

She is handed $340. The column called "Cash out" says $140, under a heading that
invites reading it as the payout, at the exact moment somebody is counting money onto
the table. The number a banker's hands actually follow — what the player is holding —
was computed all along and written to the CSV, and never shown on screen.

Three columns now, and they say what they are: Player, Chips, Up/down. Chips is a
plain amount and never signed, because it is a quantity of money to hand over. Up/down
keeps the sign and the colour, because it is a result. The two differ by exactly the
buy-in, which is asserted rather than assumed.

Chips counts what is out in the middle for the hand in progress as still theirs, for
the same reason the up/down figure does: the panel is read mid-hand constantly and a
stack that drops by the size of a bet looks like money going missing.

Net — won less paid in, from the hand log — comes off the screen to make room. It is
the weakest of the three: it only moves when a pot is resolved through the wizard, so
at a table where the dealer settles pots by hand it reads $0 all night beside two
columns that don't, and up/down already answers "how are they doing". It stays in the
CSV export, which loses nothing.

Co-Authored-By: Claude Opus 5 <[email protected]>
Claude-Session: https://claude.ai/code/session_015bnp7xKUPFFSpwkYNFaPgb

tests/holdem/bankAudit.test.js

@@ -167,3 +167,58 @@ describe("does the cash box cover the chips on the table", () => {
         assert.equal(HoldemState.bankReconciliation(state).balanced, true);
     });
 });
+
+describe("the number the banker counts out", () => {
+    // The standings had two signed columns and neither was an amount to pay. A player
+    // up $140 on a $340 stack read "$140" under a heading saying "Cash out", at the
+    // exact moment somebody was counting money onto the table.
+    test("chips in front is what they are holding, not what they are up", () => {
+        const state = makeTable({ seatCount: 6, seated: [0, 1], stack: 340 });
+        state.seats[0].name = "Ann";
+        state.seats[0].buyIns = 200;
+        state.seats[1].buyIns = 200;
+        state.seats[1].stack = 60;
+
+        const rows = HoldemState.sessionStandings(state);
+        const ann = rows.find(r => r.name === "Ann");
+        assert.equal(ann.chipsInFront, 340, "the cash to count out");
+        assert.equal(ann.cashPosition, 140, "and separately, that they are up $140");
+    });
+
+    test("a player who is down still has chips to be handed", () => {
+        const state = makeTable({ seatCount: 6, seated: [0, 1], stack: 60 });
+        state.seats[0].name = "Cal";
+        state.seats.forEach(p => { p.buyIns = 200; });
+
+        const cal = HoldemState.sessionStandings(state).find(r => r.name === "Cal");
+        assert.equal(cal.chipsInFront, 60, "they leave with $60 of chips");
+        assert.equal(cal.cashPosition, -140, "having lost $140 of the $200 they brought");
+    });
+
+    test("chips still out in the middle are counted as theirs", () => {
+        // Cashing out mid-hand isn't a thing, but the panel is read mid-hand constantly
+        // and a stack that drops by the size of a bet looks like money going missing.
+        const state = makeTable({ seatCount: 6, seated: [0, 1], stack: 200 });
+        state.seats[0].name = "Dee";
+        state.seats.forEach(p => { p.buyIns = 200; });
+        Betting.beginHand(state);
+        Betting.raiseTo(state, 0, 50);
+
+        const dee = HoldemState.sessionStandings(state).find(r => r.name === "Dee");
+        assert.equal(dee.chipsInFront, 200, "stack plus what's in the middle for them");
+        assert.equal(dee.cashPosition, 0, "so they are still level");
+    });
+
+    test("chips and up/down always differ by exactly the buy-in", () => {
+        const state = makeTable({ seatCount: 9, seated: [0, 1, 2, 3], stack: 100 });
+        [340, 150, 60, 250].forEach((chips, i) => {
+            state.seats[i].stack = chips;
+            state.seats[i].buyIns = 200 + i * 50;
+        });
+
+        HoldemState.sessionStandings(state).forEach(row => {
+            assert.equal(Money.round(row.chipsInFront - row.boughtIn), row.cashPosition,
+                `${row.name}'s two columns should tell one story`);
+        });
+    });
+});