Can I vibecode Xero?

Build a robust, cloud-ready accounting and bookkeeping web application inspired by Xero's core features. The application should act as a comprehensive financial management dashboard for small businesses and freelancers. Please implement the following key modules and features:

1. **Dashboard & Analytics:** 
Create a central hub that displays real-time financial insights. This should include visual charts (using a library like Chart.js or Recharts) showing cash flow trends, total income vs. expenses, outstanding invoices, and upcoming bills over a rolling 12-month period.

2. **Invoicing & Billing (Accounts Receivable):**
Implement a complete invoicing flow. Users must be able to create professional, customized invoices (with business logo, terms, and tax rates). Invoices should have statuses (Draft, Sent, Paid, Overdue) and sequential numbering. Allow users to generate shareable PDF versions of these invoices. Include a module for setting up automated recurring invoices.

3. **Expense & Bill Management (Accounts Payable):**
Build a system for recording and categorizing business expenses and incoming bills. Users should be able to upload receipt images/documents and attach them to specific expense records. Include a feature to track the payment status of bills so the user can easily oversee accounts payable.

4. **Bank Transaction Management & Reconciliation:**
Since direct bank feeds might require complex third-party integrations (like Plaid), build a robust CSV import tool that accepts standard bank statement exports. Create an intelligent reconciliation interface where users can match imported bank transactions against recorded invoices and bills. Implement a "rules engine" that automatically suggests categories for recurring transactions based on keyword matching in the transaction description.

5. **Reporting Suite:**
Develop a reporting module capable of generating essential financial statements, including:
- Profit and Loss (P&L) Statement (customizable date ranges)
- Balance Sheet (Assets, Liabilities, Equity)
- Cash Flow Statement
- Sales Tax / VAT Report
Allow these reports to be exported as CSV or PDF for sharing with accountants.

6. **Contact Directory (Customers & Suppliers):**
Implement a CRM-lite feature to manage a directory of customers (for invoicing) and suppliers (for bills/expenses). Track transaction history and outstanding balances for each contact.

7. **Technical Stack & Architecture:**
- **Frontend:** Use a modern framework (React, Vue, or Svelte) with a clean, professional, and accessible UI component library (like Tailwind CSS or Material-UI). The design must be responsive for mobile use.
- **Backend:** Node.js with Express or a full-stack framework like Next.js.
- **Database:** PostgreSQL or SQLite via an ORM like Prisma for robust relational data modeling (users, transactions, invoices, contacts).
- **Security:** Ensure all data is properly sanitized. The app should support multi-user login with role-based access control (e.g., Admin, Read-only/Accountant view) using JWT or session-based authentication.

Please ensure the code is modular, well-commented, and includes a comprehensive README detailing setup instructions, database schema, and how to run the application locally.