diff --git a/app.py b/app.py
index 5198539..5808e96 100644
--- a/app.py
+++ b/app.py
@@ -1,9 +1,6 @@
 #!/usr/bin/env python3
 from __future__ import annotations
 
-import os
-from pathlib import Path
-
 from flask import Flask
 
 from auth import is_admin
@@ -14,21 +11,6 @@ from storage import ensure_data_file
 from utils import cents_to_dollars, safe_date_label
 
 
-def load_local_env(env_path: Path) -> None:
-    if not env_path.exists():
-        return
-
-    for raw_line in env_path.read_text(encoding="utf-8").splitlines():
-        line = raw_line.strip()
-        if not line or line.startswith("#") or "=" not in line:
-            continue
-
-        key, value = line.split("=", 1)
-        key = key.strip()
-        value = value.strip().strip('"').strip("'")
-        os.environ.setdefault(key, value)
-
-
 def create_app() -> Flask:
     app = Flask(__name__)
     app.config.from_object(Config)
@@ -48,9 +30,6 @@ def create_app() -> Flask:
     return app
 
 
-_env_path = Path(__file__).resolve().parent / ".env"
-load_local_env(_env_path)
-
 app = create_app()
 
 if __name__ == "__main__":
diff --git a/config.py b/config.py
index 442fec3..f1c9d6a 100644
--- a/config.py
+++ b/config.py
@@ -10,6 +10,24 @@ DATA_PATH = BASE_DIR / "data" / "entries.csv"
 ELIGIBLE_MIN_SESSIONS = 3
 
 
+def load_local_env(env_path: Path) -> None:
+    if not env_path.exists():
+        return
+
+    for raw_line in env_path.read_text(encoding="utf-8").splitlines():
+        line = raw_line.strip()
+        if not line or line.startswith("#") or "=" not in line:
+            continue
+
+        key, value = line.split("=", 1)
+        key = key.strip()
+        value = value.strip().strip('"').strip("'")
+        os.environ.setdefault(key, value)
+
+
+load_local_env(BASE_DIR / ".env")
+
+
 class Config:
     SECRET_KEY: str = os.getenv("SECRET_KEY", "change-this-before-deploying")
     ADMIN_USERNAME: str = os.getenv("ADMIN_USERNAME", "admin")
diff --git a/tests/test_stats.py b/tests/test_stats.py
new file mode 100644
index 0000000..36ceaf3
--- /dev/null
+++ b/tests/test_stats.py
@@ -0,0 +1,85 @@
+import unittest
+
+from stats import SessionEntry, SessionSummary, build_leaderboard
+
+
+class CashInAccountingTest(unittest.TestCase):
+    def test_front_recovered_from_cashout_counts_as_session_cash_in(self):
+        entry = SessionEntry(
+            session_id="2026-06-21-01",
+            session_date="2026-06-21",
+            player_name="Alex",
+            buy_in_cents=2500,
+            front_cents=500,
+            cash_out_cents=4000,
+        )
+        session = SessionSummary(
+            session_id="2026-06-21-01",
+            session_date="2026-06-21",
+            entries=[entry],
+        )
+
+        self.assertEqual(session.total_buy_in_cents, 2500)
+        self.assertEqual(session.total_front_collected_cents, 0)
+        self.assertEqual(session.total_cash_in_cents, 3000)
+
+    def test_collected_front_shortfall_counts_as_session_cash_in(self):
+        entry = SessionEntry(
+            session_id="2026-06-21-01",
+            session_date="2026-06-21",
+            player_name="Alex",
+            front_cents=1000,
+            cash_out_cents=400,
+            front_collected_cents=600,
+        )
+        session = SessionSummary(
+            session_id="2026-06-21-01",
+            session_date="2026-06-21",
+            entries=[entry],
+        )
+
+        self.assertEqual(session.total_front_collected_cents, 600)
+        self.assertEqual(session.total_cash_in_cents, 1000)
+
+    def test_written_off_front_does_not_count_as_session_cash_in(self):
+        entry = SessionEntry(
+            session_id="2026-06-21-01",
+            session_date="2026-06-21",
+            player_name="Blair",
+            front_cents=1000,
+            front_writeoff_cents=1000,
+        )
+        session = SessionSummary(
+            session_id="2026-06-21-01",
+            session_date="2026-06-21",
+            entries=[entry],
+        )
+
+        self.assertEqual(session.total_front_writeoff_cents, 1000)
+        self.assertEqual(session.total_cash_in_cents, 0)
+
+    def test_leaderboard_cash_in_includes_collected_fronts(self):
+        session = SessionSummary(
+            session_id="2026-06-21-01",
+            session_date="2026-06-21",
+            entries=[
+                SessionEntry(
+                    session_id="2026-06-21-01",
+                    session_date="2026-06-21",
+                    player_name="Alex",
+                    buy_in_cents=2500,
+                    front_cents=500,
+                    cash_out_cents=4000,
+                )
+            ],
+        )
+
+        player = build_leaderboard([session])[0]
+
+        self.assertEqual(player.total_buy_in_cents, 2500)
+        self.assertEqual(player.total_front_collected_cents, 0)
+        self.assertEqual(player.total_cash_in_cents, 3000)
+
+
+if __name__ == "__main__":
+    unittest.main()