diff --git a/.jules/bolt.md b/.jules/bolt.md
index 7985023..7e63e30 100644
--- a/.jules/bolt.md
+++ b/.jules/bolt.md
@@ -41,3 +41,6 @@
 ## 2024-05-15 - Fast cache keys using integer math
 **Learning:** Calling `new Date().toISOString().slice()` in hot paths (like `cached()` key generation during a backtest loop) adds up significantly (~1ms per thousand calls).
 **Action:** When grouping cache keys by day, use fast integer math `Math.floor(unixSecs / 86400)` instead of string-based date allocations to maintain identical semantics while avoiding object instantiation.
+## 2026-10-18 - Single-Pass Loop Consolidation
+**Learning:** In backtest generation and portfolio/account summarization (`src/agent/backtestRunner.ts`, `src/broker/fhsc.ts`), multiple sequential `.reduce()` operations on the same large arrays (`turnRows`, `equityRows`, `paymentAccounts`) were causing redundant $O(n)$ iteration cycles and GC overhead. Replacing them with single-pass `for...of` loops successfully aggregated multiple metrics in one pass, yielding a clear algorithmic improvement without severely impacting readability. However, merely swapping a single `.reduce()` with a `for` loop on small arrays constitutes a micro-optimization that degrades declarative readability with no measurable real-world speedup.
+**Action:** When extracting multiple aggregates from an array, combine them into a single `for...of` loop. Do not blindly replace single `.reduce()` calls unless they are in proven hot paths or chained with other functional passes.
diff --git a/src/agent/backtestRunner.ts b/src/agent/backtestRunner.ts
index 2e878df..70c72a9 100644
--- a/src/agent/backtestRunner.ts
+++ b/src/agent/backtestRunner.ts
@@ -465,13 +465,29 @@ export async function runBacktestSession(
   const totalReturn = (finalMtm / opts.initialCash - 1) * 100;
   const benchReturn = (finalBench / opts.initialCash - 1) * 100;
   let runningPeak = opts.initialCash;
-  const maxDD = equityRows.reduce((mn, r) => {
-    runningPeak = Math.max(runningPeak, r.mtm_vnd);
-    return Math.min(mn, r.mtm_vnd / runningPeak - 1);
-  }, 0);
-  const totalCost = turnRows.reduce((s, r) => s + (r.cost_usd ?? 0), 0);
-  const totalIn = turnRows.reduce((s, r) => s + (r.in_tokens ?? 0), 0);
-  const totalOut = turnRows.reduce((s, r) => s + (r.out_tokens ?? 0), 0);
+
+  // ⚡ Bolt: Consolidated multiple .reduce() passes over turn rows and equity rows
+  // into single-pass for...of loops to significantly reduce GC overhead
+  // and iteration cycles in the backtest reporting hot path.
+  let maxDD = 0;
+  for (const r of equityRows) {
+    if (r.mtm_vnd > runningPeak) {
+      runningPeak = r.mtm_vnd;
+    }
+    const dd = r.mtm_vnd / runningPeak - 1;
+    if (dd < maxDD) {
+      maxDD = dd;
+    }
+  }
+
+  let totalCost = 0;
+  let totalIn = 0;
+  let totalOut = 0;
+  for (const r of turnRows) {
+    totalCost += r.cost_usd ?? 0;
+    totalIn += r.in_tokens ?? 0;
+    totalOut += r.out_tokens ?? 0;
+  }
 
   const summary: SummaryPayload = {
     runId,
diff --git a/src/broker/fhsc.ts b/src/broker/fhsc.ts
index a91073b..b25ccfe 100644
--- a/src/broker/fhsc.ts
+++ b/src/broker/fhsc.ts
@@ -653,11 +653,16 @@ export class FHSCBroker implements Broker {
     const account = accountResult.status === "fulfilled" ? accountResult.value : ({} as FhscSubAccount);
     const portfolio = portfolioResults.flatMap((result) => (result.status === "fulfilled" ? result.value : []));
     const positions = this.normalizePositions(portfolio);
-    const paymentCash = paymentAccounts.reduce(
-      (sum, account) => sum + numberOf(account.balance ?? account.total_balance),
-      0,
-    );
-    const blockedBalance = paymentAccounts.reduce((sum, account) => sum + numberOf(account.blocked_balance), 0);
+
+    // ⚡ Bolt: Consolidated two separate .reduce() passes into a single for...of loop
+    // to improve execution speed when aggregating sub-account balances.
+    let paymentCash = 0;
+    let blockedBalance = 0;
+    for (const pa of paymentAccounts) {
+      paymentCash += numberOf(pa.balance ?? pa.total_balance);
+      blockedBalance += numberOf(pa.blocked_balance);
+    }
+
     return {
       broker: NAME,
       cashVnd: