Add a long‑term goal feature to our iOS app so users can set a target amount and a deadline (e.g., saving for retirement or a home down payment). Whatever they create or edit should appear the same on both iPhone and iPad. If two devices update the same goal around the same time, the app should sync securely with our cloud service and keep the data consistent with a clear, predictable conflict policy. Use an MVVM structure so the goal state is easy to observe and update across screens.