feat: seed default layout fields when creating account via wizard

New accounts created through the setup wizard previously had no
layout_fields rows, so PDFs rendered only the MICR line. Now
seedDefaultLayoutFields() is called after INSERT to populate a
standard check layout (company block, payee, amount box, memo,
signature line, MICR-compatible positions) so the PDF is usable
without a .mdb import.

src/app.js

@@ -191,6 +191,64 @@ app.delete('/api/account/:id', requireAdmin, (req, res) => {
   res.status(204).end();
 });
 
+// Default layout fields for manually-created accounts (no .mdb import).
+// Coordinates are in inches from the top-left of each check slot (8.5" × 3.5").
+// Field names for type 'Regular' must match the keys in pdfService.resolveFieldValue.
+function seedDefaultLayoutFields(accountId) {
+  const fields = [
+    // Company block — top left
+    { field_name: 'Company Name',  field_type: 'Regular', x_pos: 0.50, y_pos: 0.12, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica-Bold', font_size: 10, font_bold: 1, field_text: null, line_thick: 1, visible: 1 },
+    { field_name: 'Company Name2', field_type: 'Regular', x_pos: 0.50, y_pos: 0.30, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica',      font_size: 9,  font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    { field_name: 'Company Name3', field_type: 'Regular', x_pos: 0.50, y_pos: 0.44, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica',      font_size: 9,  font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    { field_name: 'Company Name4', field_type: 'Regular', x_pos: 0.50, y_pos: 0.58, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica',      font_size: 9,  font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    // Check number — top right
+    { field_name: 'Check Number',  field_type: 'Regular', x_pos: 7.20, y_pos: 0.12, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica-Bold', font_size: 10, font_bold: 1, field_text: null, line_thick: 1, visible: 1 },
+    // Date — upper right
+    { field_name: 'Date Label',    field_type: 'Text',    x_pos: 5.80, y_pos: 0.40, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica',      font_size: 8,  font_bold: 0, field_text: 'DATE', line_thick: 1, visible: 1 },
+    { field_name: 'Date',          field_type: 'Regular', x_pos: 6.30, y_pos: 0.40, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica',      font_size: 9,  font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    // Pay to the order of
+    { field_name: 'Pay To Label',  field_type: 'Text',    x_pos: 0.30, y_pos: 0.82, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica',      font_size: 7,  font_bold: 0, field_text: 'PAY TO THE ORDER OF', line_thick: 1, visible: 1 },
+    { field_name: 'Payee Name',    field_type: 'Regular', x_pos: 2.15, y_pos: 0.80, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica',      font_size: 10, font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    // Amount box
+    { field_name: 'Dollar Sign',   field_type: 'Text',    x_pos: 6.80, y_pos: 0.80, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica',      font_size: 10, font_bold: 0, field_text: '$', line_thick: 1, visible: 1 },
+    { field_name: 'Amount',        field_type: 'Regular', x_pos: 6.95, y_pos: 0.80, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica-Bold', font_size: 10, font_bold: 1, field_text: null, line_thick: 1, visible: 1 },
+    // Written amount
+    { field_name: 'Text Amount',   field_type: 'Regular', x_pos: 0.30, y_pos: 1.28, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica',      font_size: 9,  font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    { field_name: 'Dollars Label', field_type: 'Text',    x_pos: 6.30, y_pos: 1.28, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica',      font_size: 8,  font_bold: 0, field_text: 'DOLLARS', line_thick: 1, visible: 1 },
+    // Bank info block
+    { field_name: 'Bank Information',  field_type: 'Regular', x_pos: 0.30, y_pos: 1.82, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica', font_size: 8,  font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    { field_name: 'Bank Transit Code', field_type: 'Regular', x_pos: 0.30, y_pos: 2.38, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica', font_size: 7,  font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    // Payee address — center window area (for windowed envelopes)
+    { field_name: 'Payee Address', field_type: 'Regular', x_pos: 3.50, y_pos: 1.82, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica',      font_size: 9,  font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    // Memo
+    { field_name: 'Memo Label',    field_type: 'Text',    x_pos: 0.30, y_pos: 2.82, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica',      font_size: 7,  font_bold: 0, field_text: 'MEMO', line_thick: 1, visible: 1 },
+    { field_name: 'Memo',          field_type: 'Regular', x_pos: 0.72, y_pos: 2.82, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica',      font_size: 9,  font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    // Auth signature label
+    { field_name: 'Auth Signature Label', field_type: 'Text', x_pos: 5.00, y_pos: 3.14, x_end_pos: 0, y_end_pos: 0, font_name: 'Helvetica', font_size: 6,  font_bold: 0, field_text: 'AUTHORIZED SIGNATURE', line_thick: 1, visible: 1 },
+    // Lines
+    { field_name: 'Payee Line',       field_type: 'Line', x_pos: 2.10, y_pos: 1.00, x_end_pos: 6.70, y_end_pos: 1.00, font_name: 'Helvetica', font_size: 10, font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    { field_name: 'Amount Box Top',   field_type: 'Line', x_pos: 6.75, y_pos: 0.70, x_end_pos: 8.30, y_end_pos: 0.70, font_name: 'Helvetica', font_size: 10, font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    { field_name: 'Amount Box Left',  field_type: 'Line', x_pos: 6.75, y_pos: 0.70, x_end_pos: 6.75, y_end_pos: 1.05, font_name: 'Helvetica', font_size: 10, font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    { field_name: 'Amount Box Bottom',field_type: 'Line', x_pos: 6.75, y_pos: 1.05, x_end_pos: 8.30, y_end_pos: 1.05, font_name: 'Helvetica', font_size: 10, font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    { field_name: 'Text Amount Line', field_type: 'Line', x_pos: 0.30, y_pos: 1.48, x_end_pos: 6.30, y_end_pos: 1.48, font_name: 'Helvetica', font_size: 10, font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    { field_name: 'Memo Line',        field_type: 'Line', x_pos: 0.68, y_pos: 3.00, x_end_pos: 4.00, y_end_pos: 3.00, font_name: 'Helvetica', font_size: 10, font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+    { field_name: 'Signature Line',   field_type: 'Line', x_pos: 5.00, y_pos: 3.10, x_end_pos: 8.20, y_end_pos: 3.10, font_name: 'Helvetica', font_size: 10, font_bold: 0, field_text: null, line_thick: 1, visible: 1 },
+  ];
+
+  const stmt = db.prepare(`
+    INSERT OR IGNORE INTO layout_fields
+      (account_id, field_name, field_text, font_name, font_size, font_bold,
+       field_type, line_thick, x_pos, y_pos, x_end_pos, y_end_pos, visible)
+    VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+  `);
+  db.transaction(() => {
+    for (const f of fields) {
+      stmt.run(accountId, f.field_name, f.field_text, f.font_name, f.font_size, f.font_bold,
+               f.field_type, f.line_thick, f.x_pos, f.y_pos, f.x_end_pos, f.y_end_pos, f.visible);
+    }
+  })();
+}
+
 // POST /api/account/setup (admin only — creates a new checking account)
 app.post('/api/account/setup', requireAdmin, (req, res) => {
   const {
@@ -233,6 +291,8 @@ app.post('/api/account/setup', requireAdmin, (req, res) => {
     logo_data:        logo_data || null,
   });
 
+  seedDefaultLayoutFields(result.lastInsertRowid);
+
   res.status(201).json({ success: true, accountId: result.lastInsertRowid });
 });