diff --git a/examples/folio/sanderling/predicates.ts b/examples/folio/sanderling/predicates.ts
index 13149b5..a0f6da1 100644
--- a/examples/folio/sanderling/predicates.ts
+++ b/examples/folio/sanderling/predicates.ts
@@ -3,21 +3,80 @@
 // value is returned so the property compares apples to apples across screen
 // transitions. The Ledger LedgerBalance is intentionally ignored because it is
 // a single-account number on a different scale than the Home multi-account sum.
+// A single unreadable card makes the whole total null: a partial sum looks
+// exactly like money moving, and the balance property would fire on a healthy
+// step.
 export function computeHomeTotalBalance(args: {
   cardBalanceTexts: (string | undefined)[];
-  previousCarrier: number;
-}): number {
+  previousCarrier: number | null;
+}): number | null {
   const { cardBalanceTexts, previousCarrier } = args;
   if (cardBalanceTexts.length === 0) return previousCarrier;
-  return cardBalanceTexts.reduce((sum, text) => sum + parseDollarCents(text), 0);
+  let sum = 0;
+  for (const text of cardBalanceTexts) {
+    const cents = parseDollarCents(text);
+    if (cents === null) return null;
+    sum += cents;
+  }
+  return sum;
 }
 
-// Parses formatCents output like "$5.00", "-$1,234.56", "+$0.50" back to integer cents.
-function parseDollarCents(text: string | undefined): number {
-  if (!text) return 0;
-  const sign = text.startsWith("-") ? -1 : 1;
-  const digits = text.replace(/[^0-9]/g, "");
-  return digits ? sign * parseInt(digits, 10) : 0;
+// Parses formatCents output like "$5.00", "-$1,234.56", "+$0.50" back to
+// integer cents. Anything that is not a complete amount is null, not 0: a
+// balance we could not read is unknown, and reading it as zero silently moves
+// the Home total.
+export function parseDollarCents(text: string | undefined): number | null {
+  if (!text) return null;
+  const match = text.trim().match(/^([-+]?)\$?(\d{1,3}(?:,\d{3})*|\d+)\.(\d{2})$/);
+  if (!match) return null;
+  const [, sign, dollars, cents] = match;
+  if (dollars === undefined || cents === undefined) return null;
+  return (sign === "-" ? -1 : 1) * (parseInt(dollars.replace(/,/g, ""), 10) * 100 + parseInt(cents, 10));
+}
+
+// Compose Multiplatform for Web merges an AccountCard's whole subtree into one
+// accessibility node: the AccountName and AccountBalance children that Android
+// and iOS expose do not exist there, and the card's own text is
+// initials + name + "N transaction(s)" + balance run together with no
+// separator, e.g. "INInvestments12 transactions$2,589.00". The two helpers
+// below prefer the structured child and only parse the merged text when the
+// platform did not give us one.
+
+// The balance is the amount at the very END of the card text. Anchoring there
+// is the whole trick: digit-scraping the merged string would swallow the "12"
+// of "12 transactions" into the amount.
+const TRAILING_BALANCE = /[-+]?\$[\d,]+\.\d{2}\s*$/;
+
+// The transaction-count label sits between the name and the balance.
+const TRAILING_TXN_COUNT = /\d+\s*transactions?\s*$/;
+
+export function cardBalanceText(args: {
+  childText: string | undefined;
+  cardText: string | undefined;
+}): string | undefined {
+  const { childText, cardText } = args;
+  if (childText) return childText;
+  const match = cardText?.match(TRAILING_BALANCE);
+  return match ? match[0].trim() : undefined;
+}
+
+// The result is an identity key, not a display name: off web it is the
+// AccountName text, on web it is whatever the merged card text leaves in front
+// of the count label, initials and all ("T2Travel" for "Travel 2024"). Its only
+// consumer compares it for set membership. Keep it stable, not pretty: the
+// count label always starts at the first digit of the run before it, so the
+// key does not move as an account's transaction count grows.
+export function cardAccountName(args: {
+  childText: string | undefined;
+  cardText: string | undefined;
+}): string {
+  const { childText, cardText } = args;
+  if (childText) return childText;
+  if (!cardText) return "";
+  const head = cardText.replace(TRAILING_BALANCE, "");
+  const label = head.match(TRAILING_TXN_COUNT);
+  if (!label || label.index === undefined) return head.trim();
+  return head.slice(0, label.index).trim();
 }
 
 // Parses raw user input in the transaction amount field into integer cents.
@@ -47,8 +106,8 @@ export function submitChangesBalanceByTypedAmount(args: {
   route: string | null;
   lastAction: { kind?: string; on?: string | object } | null;
   typedAmount: number;
-  prevTotalBalance: number;
-  currTotalBalance: number;
+  prevTotalBalance: number | null;
+  currTotalBalance: number | null;
 }): boolean {
   const { route, lastAction, typedAmount, prevTotalBalance, currTotalBalance } = args;
   if (route !== "home") return true;
@@ -58,5 +117,8 @@ export function submitChangesBalanceByTypedAmount(args: {
   const onString = typeof on === "string" ? on : on != null ? JSON.stringify(on) : "";
   if (!onString.includes("TxnSubmit")) return true;
   if (typedAmount === 0) return true;
+  // An unknown total on either side is not evidence of anything. Comparing one
+  // would turn every unreadable Home into a violation.
+  if (prevTotalBalance === null || currTotalBalance === null) return true;
   return Math.abs(currTotalBalance - prevTotalBalance) === typedAmount;
 }
diff --git a/examples/folio/sanderling/spec.ts b/examples/folio/sanderling/spec.ts
index 051c97f..7daab1a 100644
--- a/examples/folio/sanderling/spec.ts
+++ b/examples/folio/sanderling/spec.ts
@@ -13,22 +13,19 @@ import {
 } from "@sanderling/spec";
 import { defaultActions, doubleTaps } from "@sanderling/spec/defaults";
 import {
+  cardAccountName,
+  cardBalanceText,
   computeHomeTotalBalance,
+  parseDollarCents,
   parseTypedAmount,
   submitChangesBalanceByTypedAmount,
 } from "./predicates";
 
 interface Account {
+  // Identity key, not a display name: on web it carries the card's initials.
   name: string;
-  balance: number;
-}
-
-// Parses formatCents output like "$5.00", "-$1,234.56", "+$0.50" back to integer cents.
-function parseDollarCents(text: string | undefined): number {
-  if (!text) return 0;
-  const sign = text.startsWith("-") ? -1 : 1;
-  const digits = text.replace(/[^0-9]/g, "");
-  return digits ? sign * parseInt(digits, 10) : 0;
+  // null when the card's balance could not be read at all (see cardBalanceText).
+  balance: number | null;
 }
 
 // Route detection via testTag (resource-id on Android, accessibilityIdentifier on iOS)
@@ -42,11 +39,15 @@ const route = extract<string | null>("route", s => {
   return null;
 });
 
-// Account cards on Home: identity is the AccountName text; balance comes from AccountBalance.
+// Account cards on Home: identity comes from AccountName, balance from
+// AccountBalance. Web exposes neither child (the card is one merged node
+// there), so both readings go through predicates.ts, which falls back to
+// parsing the card's own text.
 const accounts = extract<Account[]>("accounts", s =>
   s.ax.findAll([{ testTag: "HomeScreen" }, { testTag: "AccountCard" }]).map(card => ({
-    name: card.find({ testTag: "AccountName" })?.text ?? "",
-    balance: parseDollarCents(card.find({ testTag: "AccountBalance" })?.text),
+    name: cardAccountName({ childText: card.find({ testTag: "AccountName" })?.text, cardText: card.text }),
+    balance: parseDollarCents(
+      cardBalanceText({ childText: card.find({ testTag: "AccountBalance" })?.text, cardText: card.text })),
   })));
 
 // Total balance: sum of AccountCard balances visible on Home. The carrier
@@ -54,10 +55,11 @@ const accounts = extract<Account[]>("accounts", s =>
 // LedgerBalance is a single-account number on a different scale and would
 // corrupt cross-screen comparisons if mixed in. Off-Home steps carry forward
 // the last-seen Home sum so `previous` and `current` stay on the same scale.
-let lastHomeTotal = 0;
-const totalBalance = extract("totalBalance", s => {
+let lastHomeTotal: number | null = 0;
+const totalBalance = extract<number | null>("totalBalance", s => {
   const cards = s.ax.findAll([{ testTag: "HomeScreen" }, { testTag: "AccountCard" }]);
-  const cardBalanceTexts = cards.map(c => c.find({ testTag: "AccountBalance" })?.text);
+  const cardBalanceTexts = cards.map(c =>
+    cardBalanceText({ childText: c.find({ testTag: "AccountBalance" })?.text, cardText: c.text }));
   lastHomeTotal = computeHomeTotalBalance({ cardBalanceTexts, previousCarrier: lastHomeTotal });
   return lastHomeTotal;
 });
@@ -94,7 +96,9 @@ const newAccountBalanceIsZero = always(
     const curr = accounts.current;
     if (prev.length === 0 || curr.length === 0) return true;
     const prevNames = new Set(prev.map(a => a.name));
-    return curr.filter(a => !prevNames.has(a.name)).every(a => a.balance === 0);
+    return curr
+      .filter(a => !prevNames.has(a.name))
+      .every(a => a.balance === null || a.balance === 0);
   })
 );
 
@@ -108,7 +112,7 @@ const submitMovesBalanceByTypedAmount = always(
       route: route.current,
       lastAction: lastAction.current,
       typedAmount: parseTypedAmount(txnAmountField.previous?.text),
-      prevTotalBalance: totalBalance.previous ?? 0,
+      prevTotalBalance: totalBalance.previous ?? null,
       currTotalBalance: totalBalance.current,
     }),
   ),