feat: QBO sync schedules (2AM + 4PM) + Sync QBO button on mobile finance page

- DB: inserted qbo-sync-2am (0 2 * * *) and qbo-sync-4pm (0 16 * * *) schedules
- Mobile finance: 'Sync QBO' button triggers POST /api/qbo/sync incremental,
  polls /api/qbo/sync GET until lastSync timestamp changes (max 90s),
  then reloads finance data
- Shows last sync timestamp below page title
- Separate refresh-only button (↻) for quick display refresh without re-syncing
- Sync status message shown during polling

app/mobile/finance/page.tsx

@@ -1,7 +1,7 @@
 'use client';
 
 import { useEffect, useState } from 'react';
-import { RefreshCw, TrendingUp, AlertTriangle, CheckCircle2, ChevronDown, ChevronRight } from 'lucide-react';
+import { RefreshCw, TrendingUp, AlertTriangle, CheckCircle2, ChevronDown, ChevronRight, CloudDownload } from 'lucide-react';
 
 interface AgingBucket { balance: number; count: number; }
 interface FinanceData {
@@ -32,6 +32,9 @@ export default function MobileFinance() {
   const [invoicesOpen, setInvoicesOpen] = useState(false);
   const [paymentsOpen, setPaymentsOpen] = useState(false);
   const [tab, setTab] = useState<'open' | 'overdue'>('overdue');
+  const [syncing, setSyncing] = useState(false);
+  const [syncMsg, setSyncMsg] = useState<string | null>(null);
+  const [lastSync, setLastSync] = useState<string | null>(null);
 
   const load = async () => {
     setLoading(true); setError(null);
@@ -43,7 +46,50 @@ export default function MobileFinance() {
     finally { setLoading(false); }
   };
 
-  useEffect(() => { load(); }, []);
+  const loadLastSync = async () => {
+    try {
+      const r = await fetch('/api/qbo/sync');
+      if (r.ok) {
+        const d = await r.json();
+        const ts = d.lastSync?.invoices;
+        setLastSync(ts ? new Date(ts).toLocaleString('en-US', { month: 'short', day: 'numeric', hour: 'numeric', minute: '2-digit' }) : null);
+      }
+    } catch {}
+  };
+
+  const syncAndRefresh = async () => {
+    if (syncing) return;
+    setSyncing(true);
+    setSyncMsg('Starting sync…');
+    try {
+      const r = await fetch('/api/qbo/sync', { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify({ syncType: 'incremental', triggeredBy: 'mobile-finance' }) });
+      if (r.status === 409) { setSyncMsg('Sync already in progress — refreshing data…'); }
+      else if (!r.ok) { setSyncMsg('Sync failed'); setSyncing(false); return; }
+      else { setSyncMsg('Syncing with QuickBooks…'); }
+      // Poll until sync completes (max 90s)
+      const start = Date.now();
+      let lastTs: string | null = null;
+      while (Date.now() - start < 90_000) {
+        await new Promise(res => setTimeout(res, 4000));
+        const s = await fetch('/api/qbo/sync');
+        if (s.ok) {
+          const sd = await s.json();
+          const ts = sd.lastSync?.invoices;
+          if (ts && ts !== lastTs) { lastTs = ts; break; }
+        }
+      }
+      setSyncMsg('Refreshing data…');
+      await load();
+      await loadLastSync();
+      setSyncMsg(null);
+    } catch (e) {
+      setSyncMsg('Error: ' + String(e));
+    } finally {
+      setSyncing(false);
+    }
+  };
+
+  useEffect(() => { load(); loadLastSync(); }, []);
 
   if (loading) return (
     <div className="flex items-center justify-center h-64">
@@ -62,11 +108,26 @@ export default function MobileFinance() {
   return (
     <div className="p-4 space-y-5">
       <div className="flex items-center justify-between">
-        <h1 className="text-xl font-bold">Finance</h1>
-        <button onClick={load} className="p-2 rounded-full hover:bg-accent">
-          <RefreshCw className="w-4 h-4" />
-        </button>
+        <div>
+          <h1 className="text-xl font-bold">Finance</h1>
+          {lastSync && <p className="text-[11px] text-muted-foreground mt-0.5">Last sync {lastSync}</p>}
+        </div>
+        <div className="flex items-center gap-2">
+          <button onClick={load} disabled={loading} className="p-2 rounded-full hover:bg-accent disabled:opacity-40" title="Refresh display">
+            <RefreshCw className={`w-4 h-4 ${loading ? 'animate-spin' : ''}`} />
+          </button>
+          <button onClick={syncAndRefresh} disabled={syncing} className="flex items-center gap-1.5 px-3 py-1.5 rounded-xl bg-primary text-primary-foreground text-xs font-medium disabled:opacity-50 hover:bg-primary/90 transition-colors" title="Sync from QuickBooks then refresh">
+            <CloudDownload className={`w-3.5 h-3.5 ${syncing ? 'animate-pulse' : ''}`} />
+            {syncing ? 'Syncing…' : 'Sync QBO'}
+          </button>
+        </div>
       </div>
+      {syncMsg && (
+        <div className="flex items-center gap-2 px-3 py-2 rounded-xl bg-muted text-xs text-muted-foreground">
+          <RefreshCw className="w-3 h-3 animate-spin shrink-0" />
+          {syncMsg}
+        </div>
+      )}
 
       {/* ── AR Hero ─────────────────────────────────────────── */}
       <div className="rounded-2xl border bg-gradient-to-br from-slate-50 to-slate-100 dark:from-slate-900 dark:to-slate-800 p-5">