diff --git a/README.md b/README.md
index 6133f54..019085c 100644
--- a/README.md
+++ b/README.md
@@ -18,13 +18,13 @@ Run a demo with two example employees, Jack and Jill Citizen:
 
 Provide your own payroll data with:
 
-    java -jar payroll-importer-x.x.x-standalone.jar --csv resources/example-paychex-pay-item-details.csv --total-fees 206.50
+    java -jar payroll-importer-x.x.x-standalone.jar --total-fees 206.50 resources/example-paychex-pay-item-details.csv
 
 In the above, various values such as the date, time period covered and
 receipt/invoice values show "TODO" placeholders that you are expected to fill in
 later. If you prefer, you can provide any/all of these explicitly:
 
-    java -jar payroll-importer-x.x.x-standalone.jar --csv resources/example-paychex-pay-item-details.csv --date 2023-12-29 --period 'December 2023' --total-fees 206.50 --pay-receipt-no rt:19462/674660 --pay-invoice-no rt:19403/675431 --fees-receipt-no rt:19459/675387 --fees-invoice-no rt:19459/674887 --retirement-receipt-no rt:19403/676724 --retirement-invoice-no rt:19403/675431
+    java -jar payroll-importer-x.x.x-standalone.jar --date 2023-12-29 --period 'December 2023' --total-fees 206.50 --pay-receipt-no rt:19462/674660 --pay-invoice-no rt:19403/675431 --fees-receipt-no rt:19459/675387 --fees-invoice-no rt:19459/674887 --retirement-receipt-no rt:19403/676724 --retirement-invoice-no rt:19403/675431 resources/example-paychex-pay-item-details.csv
 
 You can test the output in Beancount by adding the following header entries to define the accounts:
 
@@ -64,7 +64,7 @@ Run tests with:
 
 You can run without building using:
 
-    bin/dev --csv resources/example-paychex-pay-item-details.csv --total-fees 206.50
+    bin/dev --total-fees 206.50 resources/example-paychex-pay-item-details.csv
 
 The project is set up for development in Emacs and CIDER-mode. Open a source
 file and run `cider-jack-in`.
diff --git a/deps.edn b/deps.edn
index dd8a5cc..3b832ed 100644
--- a/deps.edn
+++ b/deps.edn
@@ -4,9 +4,14 @@
         org.clojure/data.csv {:mvn/version "1.0.1"}
         org.clojure/tools.cli {:mvn/version "1.1.230"}}
  :aliases
- {:dev {:extra-deps {lambdaisland/deep-diff2 {:mvn/version "2.10.211"}}}
+ {:dev {:extra-deps {lambdaisland/deep-diff2 {:mvn/version "2.10.211"}}
+        :main-opts ["-m" "core"]
+        ;; Saves ~ 1 second of startup time - 1.5 sec on my laptop. After
+        ;; building an uberjar and running with these options, it drops to about
+        ;; 750ms.
+        :jvm-opts ["-XX:TieredStopAtLevel=1" "-XX:+TieredCompilation"]}
   :test {:extra-deps {lambdaisland/kaocha {:mvn/version "1.87.1366"}}
          :main-opts ["-m" "kaocha.runner"]}
-    ;; Run with clj -T:build function-in-build
+  ;; Run with clj -T:build function-in-build
   :build {:deps {io.github.clojure/tools.build {:mvn/version "0.9.6"}}
           :ns-default build}}}
diff --git a/manifest.scm b/manifest.scm
index e440576..30ab8a8 100644
--- a/manifest.scm
+++ b/manifest.scm
@@ -5,8 +5,7 @@
 (specifications->manifest
  (list
   ;; No issues running this OpenJDK 21 program on Debian Stable (OpenJDK 17).
-  "openjdk@21"
-  ;; Works fine with clojure-tools from Guix.
+  "openjdk@21:jdk"
   "clojure-tools"
   "clj-kondo"
   "beancount"
diff --git a/resources/example-paychex-pay-item-details-2026.csv b/resources/example-paychex-pay-item-details-2026.csv
new file mode 100644
index 0000000..2bc8bca
--- /dev/null
+++ b/resources/example-paychex-pay-item-details-2026.csv
@@ -0,0 +1,29 @@
+Example Co Inc,"Citizen, Jack A",1,403b EE Pretax,Retirement,,,,,,1000,,,,,
+Example Co Inc,"Citizen, Jack A",1,Exp Reimb Non Tax,Reimbursement,,,,,50,,,,,,
+Example Co Inc,"Citizen, Jack A",1,Fed Income Tax,Withholding,,,,,,,,470.22,,,
+Example Co Inc,"Citizen, Jack A",1,Fed Unemploy,Liability Expense,,,,,,,,,0,,
+Example Co Inc,"Citizen, Jack A",1,Medicare,Withholding,,,,,,,,88,,,
+Example Co Inc,"Citizen, Jack A",1,Medicare,Liability Expense,,,,,,,,,88,,
+Example Co Inc,"Citizen, Jack A",1,Net Pay,Net Pay,,,,,,,,,,,4184.49
+Example Co Inc,"Citizen, Jack A",1,Salary,Earnings,6068.99,,0,,,,,,,,
+Example Co Inc,"Citizen, Jack A",1,Social Security,Withholding,,,,,,,,376.28,,,
+Example Co Inc,"Citizen, Jack A",1,Social Security,Liability Expense,,,,,,,,,376.28,,
+Example Co Inc,"Citizen, Jack A",1,TN Unemploy,Liability Expense,,,,,,,,,0,,
+Example Co Inc,"Citizen, Jill B",2,403b EE Pretax,Retirement,,,,,,820,,,,,
+Example Co Inc,"Citizen, Jill B",2,Exp Reimb Non Tax,Reimbursement,,,,,50,,,,,,
+Example Co Inc,"Citizen, Jill B",2,Fed Income Tax,Withholding,,,,,,,,681.01,,,
+Example Co Inc,"Citizen, Jill B",2,Fed Unemploy,Liability Expense,,,,,,,,,0,,
+Example Co Inc,"Citizen, Jill B",2,Medicare,Liability Expense,,,,,,,,,99.28,,
+Example Co Inc,"Citizen, Jill B",2,Medicare,Withholding,,,,,,,,99.29,,,
+Example Co Inc,"Citizen, Jill B",2,Net Pay,Net Pay,,,,,,,,,,,4397.39
+Example Co Inc,"Citizen, Jill B",2,OR Disability PFL,Withholding,,,,,,,,41.08,,,
+Example Co Inc,"Citizen, Jill B",2,OR Disability PFL,Liability Expense,,,,,,,,,0,,
+Example Co Inc,"Citizen, Jill B",2,OR EE Work Bene,Withholding,,,,,,,,0,,,
+Example Co Inc,"Citizen, Jill B",2,OR ER Work Bene,Liability Expense,,,,,,,,,0,,
+Example Co Inc,"Citizen, Jill B",2,OR Income Tax,Withholding,,,,,,,,427.8,,,
+Example Co Inc,"Citizen, Jill B",2,OR TRANS STT,Withholding,,,,,,,,6.03,,,
+Example Co Inc,"Citizen, Jill B",2,OR Unemploy,Liability Expense,,,,,,,,,0,,
+Example Co Inc,"Citizen, Jill B",2,PFML ER PU,Fringe Benefits,,,,,,,,,,,
+Example Co Inc,"Citizen, Jill B",2,Salary,Earnings,6847.12,,0,,,,,,,,
+Example Co Inc,"Citizen, Jill B",2,Social Security,Liability Expense,,,,,,,,,424.52,,
+Example Co Inc,"Citizen, Jill B",2,Social Security,Withholding,,,,,,,,424.52,,,
diff --git a/src/core.clj b/src/core.clj
index 7742cb7..bbc82ec 100644
--- a/src/core.clj
+++ b/src/core.clj
@@ -6,17 +6,15 @@
   (:require [clojure.java.io :as io]
             [clojure.set :as set]
             [clojure.string :as str]
-            [clojure.tools.cli :refer [parse-opts]]
+            [clojure.tools.cli :as cli]
             [import :as import])
   (:gen-class))
 
 (def cli-options
-  [[nil "--csv FILE" "Pay Item Details CSV report"
-    :validate [#(-> % io/file .exists) "File does not exist"]]
-   [nil "--date DATE" "Date used for the transactions (YYYY-MM-DD)"
+  [[nil "--date DATE" "Date used for the transactions (YYYY-MM-DD)"
     :validate [#(re-matches #"\d{4}-\d{2}-\d{2}" %) "Must be of format YYYY-MM-DD"]
     :default "TODO-DATE"]
-   [nil "--period PERIOD" "Month/year covered by the pay run eg. \"December 2023\""
+   [nil "--period PERIOD" "Month/year of the pay run eg. \"December 2023\""
     :default "TODO-PERIOD"]
    [nil "--total-fees NUM" "Total fee charged by Paychex, eg. \"206.50\""
     :parse-fn bigdec
@@ -33,13 +31,13 @@
     :default "TODO-RETIREMENT-RECEIPT"]
    [nil "--retirement-invoice-no REFERENCE" "Retirement receipt number, eg. \"rt:111/222\""
     :default "TODO-RETIREMENT-INVOICE"]
-   [nil "--project EMPLOYEE:PROJECT" "Allocate an employee to a specific project, eg. \"Doe-Jane:Outreachy\". Use once for each employee."
+   [nil "--project EMPLOYEE:PROJECT" "Allocate employee to project, eg. \"Doe-Jane:Outreachy\""
     :multi true
     :validate [#(= 2 (count %)) "Must be of the form \"name:project\""]
     :parse-fn #(str/split % #":")
     :default {}
     :assoc-fn (fn [m k [name proj]] (assoc-in m [k name] proj))]
-   [nil "--demo" "Produce demo output based made-up payroll data. Useful for documentation."]
+   [nil "--demo" "Produce demo output based made-up payroll data"]
    ["-h" "--help"]])
 
 (defn unmatched-employees
@@ -67,32 +65,49 @@
                          (import/taxes-ach-debit date period pay-receipt-no pay-invoice-no project records)
                          (import/fees date period fees-receipt-no fees-invoice-no total-fees project records)
                          (import/retirement date period retirement-receipt-no retirement-invoice-no records))
-        unmatched (unmatched-employees records project)]
-    [imported unmatched]))
+        unmatched (unmatched-employees records project)
+        warnings (import/warnings records)]
+    [imported unmatched warnings]))
+
+(defn usage [summary]
+  (str
+   "Usage: java -jar payroll-importer.jar [OPTIONS] [CSV]\n\n"
+    "Options include:\n\n"
+    summary
+    "\n\n"
+    "Use --project once for each employee."))
 
 (defn -main
   "Run the CLI interface."
   [& args]
-  (let [{:keys [options errors summary]} (parse-opts args cli-options)
-        no-csv-or-demo? (not (or (contains? options :csv) (contains? options :demo)))
+  (let [{:keys [options arguments errors summary]} (cli/parse-opts args cli-options)
+        csv (first arguments)
+        options (assoc options :csv csv)
+        demo? (contains? options :demo)
+        neither-csv-or-demo? (and (not csv) (not demo?))
+        csv-doesnt-exist? (and (not demo?) csv (not (-> csv io/file .exists)))
         errors (cond-> errors
-                 no-csv-or-demo? (conj "Please provide a CSV file with \"--csv FILE\" or try \"--demo\""))]
+                 neither-csv-or-demo? (conj "Please provide a CSV file argument or try \"--demo\"")
+                 csv-doesnt-exist? (conj (str "CSV file \"" csv "\" does not exist")))]
     (when (:help options)
-      (println summary)
+      (println (usage summary))
       (System/exit 0))
     (when errors
       (println
        (str "The following errors occurred:\n\n"
             (str/join \newline errors)))
       (System/exit 1))
-    (let [[imported unmatched] (run options)]
+    (let [[imported unmatched warnings] (run options)]
       (when (seq unmatched)
         (println
          (str "Could not find these employees in the payroll:\n\n"
               (str/join ", " unmatched)))
         (System/exit 1))
       (doseq [i imported]
-        (println (import/render-transaction i))))))
+        (println (import/render-transaction i)))
+      (when (seq warnings)
+        (.println System/err "WARNINGS:\n")
+        (.println System/err (str/join "/n" warnings))))))
 
 (comment
   ;; Examples to exercise the importer during development.
@@ -103,7 +118,8 @@
   ;; These examples are not included with the code for privacy reasons.
   (require '[examples])
 
-  (def records (import/read-csv "/home/ben/Downloads/2024-01-29_Pay-Item-Details_2024-01.csv"))
+  (def records (import/read-csv "/home/ben/downloads/2026-01-28_Pay-Item-Details_2026-01.csv"))
+
   (def imported
     (concat (import/net-pay "2024-01-31" "January 2024" "rt:19462/685751" {} records)
             (import/individual-taxes "2024-01-31" "January 2024" "rt:19462/685751" "rt:19403/685602" {} records)
diff --git a/src/import.clj b/src/import.clj
index 4170090..65c009b 100644
--- a/src/import.clj
+++ b/src/import.clj
@@ -27,7 +27,19 @@
        {:name (employee-name->entity-tag name)
         :category category
         :type type
-        :amount (apply max (map bigdec (remove str/blank? totals)))}))))
+        :amount (reduce max 0 (map bigdec (remove str/blank? totals)))}))))
+
+(defn non-zero-pfml? [record]
+  "PFML is a new field as of 2026, but it's only an issue if there's a non-zero
+  amount listed. In that case we'll need to figure out how to record this in the
+  books."
+  (and (= (:category record) "PFML ER PU") (not (zero? (:amount record)))))
+
+(defn warnings [records]
+  (->> records
+       (filter non-zero-pfml?)
+       (map :name)
+       (map #(str "Non-zero \"PFML ER PU\" record found for " %))))
 
 (defn- cat->payroll-type
   "Map the CSV withholding categories to Beancount payroll-type tags."
diff --git a/test/import_test.clj b/test/import_test.clj
index 5999611..2b951f5 100644
--- a/test/import_test.clj
+++ b/test/import_test.clj
@@ -16,6 +16,17 @@
 (def paychex-csv-2025 (->> "example-paychex-pay-item-details-2025.csv"
                            clojure.java.io/resource
                            import/read-csv))
+(def paychex-csv-2026 (->> "example-paychex-pay-item-details-2026.csv"
+                           clojure.java.io/resource
+                           import/read-csv))
+
+(deftest warns-about-non-zero-pfml-records
+  (let [records [{:name "Doe-Jane"
+                  :category "PFML ER PU"
+                  :type "Fringe Benefits"
+                  :amount 1M}]
+        warnings (import/warnings records)]
+    (is (= (count warnings) 1) "Expected a non-zero PFML warning")))
 
 (deftest render-transaction
   (let [transaction '{:date "DATE"
@@ -102,7 +113,8 @@ DATE txn \"Paychex\" \"Monthly Payroll - PERIOD - Fee\"
                       :meta {:entity "Citizen-Jill" :tax-implication "Reimbursement"}})}]]
     (are [records] (= expected (import/net-pay "DATE" "PERIOD" "TODO-PAY-INVOICE" {} records))
       paychex-csv-2024
-      paychex-csv-2025)))
+      paychex-csv-2025
+      paychex-csv-2026)))
 
 (deftest individual-taxes
   (let [expected '({:date "DATE"