feat(ui): ink & copper ledger retheme + analytics redesign

App-wide retheme done at the token layer: Tailwind's zinc scale is remapped
to warm ink/paper neutrals and indigo to copper in globals.css, so every
page inherits the palette. Fraunces (serif display) added for page titles
and hero figures; all figures now render in mono with tabular numerals.

Analytics page redesigned around a month spine — twelve clickable columns
scaled to each month's spend that act as hero, context, and period
navigation. Adds a 'What changed' top-movers panel vs the previous month,
replaces the 8-line category trend chart with per-category sparkline small
multiples, heat-tints the six-month ledger table, and restyles the Pareto,
pace chart, and cashflow strip. Kept: Pareto, cumulative-vs-typical pace,
drill-downs, regular/occasional split.

Insights and Merchants restyled to the same kit; chart tokens centralised
in category-colors.ts (CHART). Cleared the pre-existing lint errors in
insights (typed tooltip, removed any-casts).

src/app/budget/page.tsx

@@ -1,9 +1,11 @@
 "use client";
 
-import { useState, Fragment, useMemo } from "react";
+import { useState, useEffect, Fragment, useMemo } from "react";
 import {
   ComposedChart,
   LineChart,
+  AreaChart,
+  Area,
   Bar,
   Line,
   XAxis,
@@ -12,12 +14,11 @@ import {
   ResponsiveContainer,
   Cell,
   ReferenceLine,
-  Legend,
 } from "recharts";
 import { useQueryClient } from "@tanstack/react-query";
 import { useMonthlyAnalytics, useTransactions, useUpdateTransaction } from "@/lib/hooks";
 import { formatCategory, CATEGORIES } from "@/lib/categories";
-import { CATEGORY_COLORS, TOOLTIP_STYLE } from "@/lib/category-colors";
+import { CATEGORY_COLORS, CHART, TOOLTIP_STYLE } from "@/lib/category-colors";
 
 function currentMonthStr(): string {
   const now = new Date();
@@ -28,11 +29,6 @@ function prevMonth(m: string): string {
   const d = new Date(year, month - 2, 1);
   return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, "0")}`;
 }
-function nextMonth(m: string): string {
-  const [year, month] = m.split("-").map(Number);
-  const d = new Date(year, month, 1);
-  return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, "0")}`;
-}
 function formatMonth(m: string): string {
   const [year, month] = m.split("-");
   return new Date(Number(year), Number(month) - 1, 1).toLocaleString("default", { month: "long", year: "numeric" });
@@ -41,44 +37,21 @@ function formatShortMonth(m: string): string {
   const [year, month] = m.split("-");
   return new Date(Number(year), Number(month) - 1, 1).toLocaleString("default", { month: "short" });
 }
-function fmt(n: number): string { return `$${n.toFixed(0)}`; }
+function fmt(n: number): string { return `$${Math.round(n).toLocaleString()}`; }
 function fmtExact(n: number): string { return `$${n.toFixed(2)}`; }
-function deltaColor(n: number): string {
-  if (n > 0) return "text-red-400";
-  if (n < 0) return "text-emerald-400";
-  return "";
-}
-
+function fmtSigned(n: number): string { return `${n >= 0 ? "+" : "−"}$${Math.abs(n) >= 100 ? Math.round(Math.abs(n)).toLocaleString() : Math.abs(n).toFixed(0)}`; }
 
 // ─── Tooltips ────────────────────────────────────────────────────────────────
 
-function TrendTooltip({ active, payload, label }: { active?: boolean; payload?: { dataKey: string; value: number; stroke: string }[]; label?: string }) {
-  if (!active || !payload?.length) return null;
-  const items = payload.filter((p) => p.value > 0.01).sort((a, b) => b.value - a.value);
-  if (!items.length) return null;
-  return (
-    <div style={TOOLTIP_STYLE} className="p-2.5 text-xs min-w-40">
-      <p className="text-zinc-400 mb-2 font-medium">{label}</p>
-      {items.map((p) => (
-        <div key={p.dataKey} className="flex items-center gap-2 mb-0.5">
-          <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: p.stroke }} />
-          <span className="text-zinc-400">{formatCategory(p.dataKey.replace("cat_", ""))}:</span>
-          <span className="text-zinc-100 tabular-nums ml-auto pl-2">{fmtExact(p.value)}</span>
-        </div>
-      ))}
-    </div>
-  );
-}
-
 function ParetoTooltip({ active, payload }: { active?: boolean; payload?: { payload: { category: string; spent: number; pct: number; cumulative: number } }[] }) {
   if (!active || !payload?.length) return null;
   const d = payload[0].payload;
   return (
     <div style={TOOLTIP_STYLE} className="p-2.5 text-xs">
       <p className="font-medium text-zinc-300 mb-1">{formatCategory(d.category)}</p>
-      <div className="flex justify-between gap-4"><span className="text-zinc-400">Spend</span><span>{fmtExact(d.spent)}</span></div>
-      <div className="flex justify-between gap-4"><span className="text-zinc-400">Share</span><span>{d.pct}%</span></div>
-      <div className="flex justify-between gap-4"><span className="text-zinc-400">Cumulative</span><span>{d.cumulative}%</span></div>
+      <div className="flex justify-between gap-4"><span className="text-zinc-400">Spend</span><span className="font-mono">{fmtExact(d.spent)}</span></div>
+      <div className="flex justify-between gap-4"><span className="text-zinc-400">Share</span><span className="font-mono">{d.pct}%</span></div>
+      <div className="flex justify-between gap-4"><span className="text-zinc-400">Cumulative</span><span className="font-mono">{d.cumulative}%</span></div>
     </div>
   );
 }
@@ -92,14 +65,59 @@ function CumulativeTooltip({ active, payload, label }: { active?: boolean; paylo
         <div key={p.dataKey} className="flex items-center gap-2 mb-0.5">
           <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: p.stroke }} />
           <span className="text-zinc-400">{p.dataKey === "actual" ? "Actual" : "Typical pace"}:</span>
-          <span className="text-zinc-100 tabular-nums ml-auto pl-2">{fmtExact(p.value)}</span>
+          <span className="text-zinc-100 font-mono tabular-nums ml-auto pl-2">{fmtExact(p.value)}</span>
         </div>
       ))}
     </div>
   );
 }
 
-// ─── CategoryPanel ────────────────────────────────────────────────────────────
+// ─── Month spine ─────────────────────────────────────────────────────────────
+// Twelve clickable columns, one per month, scaled to that month's spend.
+// Doubles as period navigation and year-at-a-glance context.
+
+function MonthSpine({
+  months,
+  totals,
+  selected,
+  onSelect,
+}: {
+  months: string[]; // ascending
+  totals: Record<string, { spent: number }>;
+  selected: string;
+  onSelect: (m: string) => void;
+}) {
+  const max = Math.max(...months.map((m) => totals[m]?.spent || 0), 1);
+  return (
+    <div className="flex items-end gap-1 sm:gap-1.5">
+      {months.map((m) => {
+        const spent = totals[m]?.spent || 0;
+        const h = Math.max(4, Math.round((spent / max) * 56));
+        const active = m === selected;
+        return (
+          <button
+            key={m}
+            onClick={() => onSelect(m)}
+            title={`${formatMonth(m)} — ${fmt(spent)}`}
+            className="group flex-1 flex flex-col items-center gap-1.5 min-w-0"
+          >
+            <span
+              style={{ height: h }}
+              className={`w-full max-w-9 rounded-t-sm transition-colors ${
+                active ? "bg-indigo-400" : "bg-zinc-700 group-hover:bg-zinc-600"
+              }`}
+            />
+            <span className={`text-[10px] leading-none uppercase tracking-wide ${active ? "text-indigo-300" : "text-zinc-500 group-hover:text-zinc-400"}`}>
+              {formatShortMonth(m)}
+            </span>
+          </button>
+        );
+      })}
+    </div>
+  );
+}
+
+// ─── CategoryPanel (drill-down) ──────────────────────────────────────────────
 
 function CategoryPanel({ category, selectedMonth }: { category: string; selectedMonth: string }) {
   const qc = useQueryClient();
@@ -115,7 +133,7 @@ function CategoryPanel({ category, selectedMonth }: { category: string; selected
     <tr>
       <td colSpan={4} className="px-0 pb-2 bg-zinc-950/60 border-b border-zinc-800">
         {isLoading ? (
-          <p className="text-xs text-zinc-500 px-6 py-2">Loading...</p>
+          <p className="text-xs text-zinc-500 px-6 py-2">Loading…</p>
         ) : txns.length === 0 ? (
           <p className="text-xs text-zinc-600 px-6 py-2">No transactions</p>
         ) : (
@@ -131,9 +149,9 @@ function CategoryPanel({ category, selectedMonth }: { category: string; selected
             <tbody>
               {txns.map((tx) => (
                 <tr key={tx.id} className="border-t border-zinc-800/30 hover:bg-zinc-800/20">
-                  <td className="px-6 py-1.5 text-zinc-500 tabular-nums">{tx.transaction_date.slice(5).replace("-", "/")}</td>
+                  <td className="px-6 py-1.5 text-zinc-500 font-mono tabular-nums">{tx.transaction_date.slice(5).replace("-", "/")}</td>
                   <td className="px-2 py-1.5 text-zinc-300 max-w-xs truncate">{tx.effective_merchant || tx.description}</td>
-                  <td className="px-2 py-1.5 text-right tabular-nums text-zinc-300">{fmtExact(Number(tx.amount))}</td>
+                  <td className="px-2 py-1.5 text-right font-mono tabular-nums text-zinc-300">{fmtExact(Number(tx.amount))}</td>
                   <td className="px-4 py-1.5 text-right">
                     <select
                       className="bg-zinc-800 border border-zinc-700 rounded px-2 py-0.5 text-xs text-zinc-300 focus:outline-none focus:border-indigo-500 cursor-pointer"
@@ -164,7 +182,18 @@ function CategoryPanel({ category, selectedMonth }: { category: string; selected
 export default function AnalyticsPage() {
   const [selectedMonth, setSelectedMonth] = useState(currentMonthStr);
   const [expandedCategory, setExpandedCategory] = useState<string | null>(null);
-  const { data: analytics, isLoading } = useMonthlyAnalytics(6);
+  const { data: analytics, isLoading } = useMonthlyAnalytics(12);
+
+  const months = useMemo(() => analytics ? [...analytics.months].reverse() : [], [analytics]);
+
+  // If the initial month has no data yet (e.g. the 1st of the month), land on
+  // the most recent month that does.
+  useEffect(() => {
+    if (months.length && !months.includes(selectedMonth)) {
+      setSelectedMonth(months[months.length - 1]);
+    }
+    // eslint-disable-next-line react-hooks/exhaustive-deps
+  }, [months]);
 
   // Cumulative chart: fetch this month's transactions
   const smFrom = `${selectedMonth}-01`;
@@ -173,8 +202,6 @@ export default function AnalyticsPage() {
   const smTo = `${smNextDate.getFullYear()}-${String(smNextDate.getMonth() + 1).padStart(2, "0")}-01`;
   const { data: monthTxData } = useTransactions({ from: smFrom, to: smTo, limit: 1000 });
 
-  const months = useMemo(() => analytics ? [...analytics.months].reverse() : [], [analytics]);
-
   // Category rows for selected month
   const categoryRows = useMemo(() => {
     if (!analytics) return [];
@@ -184,25 +211,37 @@ export default function AnalyticsPage() {
       .sort((a, b) => b.spent - a.spent);
   }, [analytics, selectedMonth]);
 
-  // Trend line data — top 8 categories by total 6-month spend
-  const trendData = useMemo(() => {
-    if (!analytics) return { data: [], categories: [] };
-    const categoryTotals = analytics.rows
-      .map((r) => ({ category: r.category, total: months.reduce((s, m) => s + (r.spent[m] || 0), 0) }))
+  // Small multiples — top 8 categories by 12-month total
+  const sparkData = useMemo(() => {
+    if (!analytics) return [];
+    return analytics.rows
+      .map((r) => ({
+        category: r.category,
+        total: months.reduce((s, m) => s + (r.spent[m] || 0), 0),
+        thisMonth: r.spent[selectedMonth] || 0,
+        delta: (r.spent[selectedMonth] || 0) - (r.spent[prevMonth(selectedMonth)] || 0),
+        series: months.map((m) => ({ month: m, v: r.spent[m] || 0 })),
+      }))
       .sort((a, b) => b.total - a.total)
-      .slice(0, 8)
-      .map((r) => r.category);
+      .slice(0, 8);
+  }, [analytics, months, selectedMonth]);
 
-    const data = months.map((m) => {
-      const entry: Record<string, unknown> = { month: m, label: formatShortMonth(m) };
-      for (const cat of categoryTotals) {
-        const row = analytics.rows.find((r) => r.category === cat);
-        entry[`cat_${cat}`] = row?.spent[m] || 0;
-      }
-      return entry;
-    });
-    return { data, categories: categoryTotals };
-  }, [analytics, months]);
+  // Top movers vs previous month
+  const movers = useMemo(() => {
+    if (!analytics) return [];
+    const pm = prevMonth(selectedMonth);
+    if (!months.includes(pm)) return [];
+    return analytics.rows
+      .map((r) => ({
+        category: r.category,
+        delta: (r.spent[selectedMonth] || 0) - (r.spent[pm] || 0),
+        now: r.spent[selectedMonth] || 0,
+        before: r.spent[pm] || 0,
+      }))
+      .filter((r) => Math.abs(r.delta) >= 1)
+      .sort((a, b) => Math.abs(b.delta) - Math.abs(a.delta))
+      .slice(0, 6);
+  }, [analytics, months, selectedMonth]);
 
   // Pareto chart data
   const paretoData = useMemo(() => {
@@ -226,7 +265,6 @@ export default function AnalyticsPage() {
     const today = new Date();
     const lastDay = isCurrentMonth ? today.getDate() : daysInMonth;
 
-    // Daily spend from transactions
     const daily: Record<number, number> = {};
     (monthTxData?.data ?? [])
       .filter((tx) => tx.transaction_type === "debit" && !["transfers", "investment"].includes(tx.effective_category))
@@ -235,7 +273,6 @@ export default function AnalyticsPage() {
         daily[day] = (daily[day] || 0) + Number(tx.amount_aud ?? tx.amount);
       });
 
-    // Typical pace: avg of prior months (straight-line ramp)
     const priorMonths = analytics?.months.filter((m) => m !== selectedMonth) ?? [];
     const priorAvg = priorMonths.length > 0
       ? priorMonths.reduce((s, m) => s + (analytics?.totals[m]?.spent || 0), 0) / priorMonths.length
@@ -255,131 +292,151 @@ export default function AnalyticsPage() {
 
   if (isLoading || !analytics) {
     return (
-      <div className="space-y-6">
-        <h2 className="text-xl font-semibold">Analytics</h2>
-        <p className="text-zinc-500 text-sm">Loading...</p>
+      <div className="space-y-6 max-w-5xl">
+        <h2 className="text-2xl font-display">Analytics</h2>
+        <p className="text-zinc-500 text-sm">Loading…</p>
       </div>
     );
   }
 
   const totals = analytics.totals[selectedMonth] ?? { spent: 0, income: 0, investments: 0, net: 0 };
-  const lastTotals = analytics.totals[prevMonth(selectedMonth)] ?? { spent: 0, income: 0, investments: 0, net: 0 };
-  const spentDelta = totals.spent - lastTotals.spent;
-  const largestCategory = categoryRows[0];
   const hasIncome = months.some((m) => (analytics.totals[m]?.income || 0) > 0);
   const hasInvestments = months.some((m) => (analytics.totals[m]?.investments || 0) > 0);
 
-  // Pareto: find where cumulative crosses 80%
+  // Hero delta vs the average of the other months that have data
+  const otherMonths = months.filter((m) => m !== selectedMonth && (analytics.totals[m]?.spent || 0) > 0);
+  const avgSpend = otherMonths.length
+    ? otherMonths.reduce((s, m) => s + (analytics.totals[m]?.spent || 0), 0) / otherMonths.length
+    : 0;
+  const avgDeltaPct = avgSpend > 0 ? Math.round(((totals.spent - avgSpend) / avgSpend) * 100) : 0;
+  const heroSentence =
+    avgSpend === 0 ? "" :
+    Math.abs(avgDeltaPct) <= 3 ? `in line with your ${otherMonths.length}-month average` :
+    `${Math.abs(avgDeltaPct)}% ${avgDeltaPct > 0 ? "above" : "below"} your ${otherMonths.length}-month average of ${fmt(avgSpend)}`;
+
   const pareto80idx = paretoData.findIndex((r) => r.cumulative >= 80);
+  const tableMonths = analytics.months.slice(0, 6); // newest-first, last 6
+  const maxMoverDelta = Math.max(...movers.map((m) => Math.abs(m.delta)), 1);
 
   return (
-    <div className="space-y-6">
+    <div className="space-y-6 max-w-5xl">
 
-      {/* Header + month selector */}
-      <div className="flex items-center justify-between">
-        <h2 className="text-xl font-semibold">Analytics</h2>
-        <div className="flex items-center gap-3">
-          <button onClick={() => setSelectedMonth(prevMonth(selectedMonth))} className="p-2 rounded-lg bg-zinc-800 hover:bg-zinc-700 text-sm leading-none">‹</button>
-          <span className="text-sm font-medium min-w-36 text-center">{formatMonth(selectedMonth)}</span>
-          <button onClick={() => setSelectedMonth(nextMonth(selectedMonth))} className="p-2 rounded-lg bg-zinc-800 hover:bg-zinc-700 text-sm leading-none">›</button>
+      {/* ── Hero + month spine ── */}
+      <div className="border-b border-zinc-800 pb-5">
+        <p className="text-[11px] uppercase tracking-[0.18em] text-zinc-500 mb-2">Ledger · {formatMonth(selectedMonth)}</p>
+        <div className="flex flex-wrap items-end justify-between gap-x-8 gap-y-4">
+          <div>
+            <p className="font-display text-5xl text-zinc-50 leading-none">
+              {fmt(totals.spent)}
+            </p>
+            {heroSentence && (
+              <p className="text-sm text-zinc-400 mt-2">
+                <span className={avgDeltaPct > 3 ? "text-indigo-300" : avgDeltaPct < -3 ? "text-emerald-400" : "text-zinc-400"}>
+                  {heroSentence}
+                </span>
+              </p>
+            )}
+          </div>
+          <div className="w-full sm:w-auto sm:min-w-80 sm:flex-1 sm:max-w-md">
+            <MonthSpine months={months} totals={analytics.totals} selected={selectedMonth} onSelect={(m) => { setSelectedMonth(m); setExpandedCategory(null); }} />
+          </div>
         </div>
       </div>
 
-      {/* Summary cards */}
-      <div className={`grid gap-4 ${hasIncome ? "grid-cols-2 sm:grid-cols-4" : "grid-cols-3"}`}>
-        {hasIncome && (
-          <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
-            <p className="text-xs text-zinc-500 mb-1">Income</p>
-            <p className="text-2xl font-semibold text-emerald-400">{fmtExact(totals.income)}</p>
-            <p className="text-xs text-zinc-500 mt-1">received</p>
-          </div>
-        )}
-        <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
-          <p className="text-xs text-zinc-500 mb-1">Expenses</p>
-          <p className="text-2xl font-semibold">{fmtExact(totals.spent)}</p>
-          <p className={`text-xs mt-1 ${deltaColor(spentDelta)}`}>
-            {spentDelta === 0 || lastTotals.spent === 0
-              ? <span className="text-zinc-500">split-adjusted</span>
-              : `${spentDelta > 0 ? "+" : ""}${fmtExact(spentDelta)} vs ${formatShortMonth(prevMonth(selectedMonth))}`}
-          </p>
+      {/* ── Cashflow strip ── */}
+      <div className="bg-zinc-900 border border-zinc-800 rounded-xl grid grid-cols-2 sm:grid-cols-4 divide-x divide-y sm:divide-y-0 divide-zinc-800 overflow-hidden">
+        <div className="px-4 py-3.5">
+          <p className="text-[10px] uppercase tracking-wider text-zinc-500 mb-1.5">Income</p>
+          <p className={`text-xl font-mono tabular-nums ${hasIncome ? "text-emerald-400" : "text-zinc-600"}`}>{hasIncome ? fmt(totals.income) : "—"}</p>
         </div>
-        {(hasInvestments || totals.investments > 0) && (
-          <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
-            <p className="text-xs text-zinc-500 mb-1">Invested</p>
-            <p className="text-2xl font-semibold text-indigo-400">{fmtExact(totals.investments)}</p>
-            <p className="text-xs text-zinc-500 mt-1">shares / ETFs</p>
-          </div>
-        )}
-        <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
-          <p className="text-xs text-zinc-500 mb-1">{hasIncome ? "Net Cash" : "Largest Category"}</p>
+        <div className="px-4 py-3.5">
+          <p className="text-[10px] uppercase tracking-wider text-zinc-500 mb-1.5">Expenses</p>
+          <p className="text-xl font-mono tabular-nums text-zinc-100">{fmt(totals.spent)}</p>
+        </div>
+        <div className="px-4 py-3.5">
+          <p className="text-[10px] uppercase tracking-wider text-zinc-500 mb-1.5">Invested</p>
+          <p className={`text-xl font-mono tabular-nums ${hasInvestments ? "text-indigo-300" : "text-zinc-600"}`}>{hasInvestments ? fmt(totals.investments) : "—"}</p>
+        </div>
+        <div className="px-4 py-3.5">
+          <p className="text-[10px] uppercase tracking-wider text-zinc-500 mb-1.5">Net cash</p>
           {hasIncome ? (
-            <>
-              <p className={`text-2xl font-semibold ${totals.net >= 0 ? "text-emerald-400" : "text-red-400"}`}>
-                {totals.net >= 0 ? "+" : ""}{fmtExact(totals.net)}
-              </p>
-              <p className="text-xs text-zinc-500 mt-1">income − expenses − invested</p>
-            </>
-          ) : largestCategory ? (
-            <>
-              <p className="text-2xl font-semibold">{fmtExact(largestCategory.spent)}</p>
-              <p className="text-xs text-zinc-400 mt-1">{formatCategory(largestCategory.category)}</p>
-            </>
+            <p className={`text-xl font-mono tabular-nums ${totals.net >= 0 ? "text-emerald-400" : "text-red-400"}`}>{totals.net >= 0 ? "+" : ""}{fmt(totals.net)}</p>
           ) : (
-            <p className="text-2xl font-semibold text-zinc-600">—</p>
+            <p className="text-xl font-mono tabular-nums text-zinc-600">—</p>
           )}
         </div>
       </div>
 
-      {/* 1. Category trend lines */}
-      {trendData.categories.length > 0 && (
-        <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
-          <h3 className="text-sm font-medium mb-4">Category Trends — 6 Months</h3>
-          <ResponsiveContainer width="100%" height={240}>
-            <LineChart
-              data={trendData.data}
-              margin={{ top: 4, right: 8, bottom: 0, left: 8 }}
-              onClick={(d) => {
-                const month = (d as any)?.activePayload?.[0]?.payload?.month as string | undefined;
-                if (month) setSelectedMonth(month);
-              }}
-              style={{ cursor: "pointer" }}
-            >
-              <XAxis dataKey="label" tick={{ fill: "#71717a", fontSize: 12 }} axisLine={false} tickLine={false} />
-              <YAxis tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `$${v}`} width={52} />
-              <Tooltip content={<TrendTooltip />} cursor={{ stroke: "rgba(255,255,255,0.08)", strokeWidth: 1 }} />
-              {trendData.categories.map((cat) => (
-                <Line
-                  key={cat}
-                  dataKey={`cat_${cat}`}
-                  name={cat}
-                  stroke={CATEGORY_COLORS[cat] || "#71717a"}
-                  strokeWidth={selectedMonth && trendData.data.some((d) => (d as any).month === selectedMonth) ? 2 : 2}
-                  dot={{ fill: CATEGORY_COLORS[cat] || "#71717a", r: 3 }}
-                  activeDot={{ r: 5 }}
-                  connectNulls
-                />
-              ))}
-            </LineChart>
-          </ResponsiveContainer>
-          <div className="flex flex-wrap gap-x-3 gap-y-1 mt-3 pt-3 border-t border-zinc-800">
-            {trendData.categories.map((cat) => (
-              <span key={cat} className="flex items-center gap-1 text-xs text-zinc-500">
-                <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[cat] || "#71717a" }} />
-                {formatCategory(cat)}
-              </span>
+      {/* ── Top movers vs last month ── */}
+      {movers.length > 0 && (
+        <div className="bg-zinc-900 border border-zinc-800 rounded-xl p-4">
+          <h3 className="text-sm font-medium mb-1">What changed</h3>
+          <p className="text-xs text-zinc-500 mb-4">Biggest category moves vs {formatShortMonth(prevMonth(selectedMonth))}</p>
+          <div className="grid sm:grid-cols-2 gap-x-8 gap-y-2.5">
+            {movers.map((m) => (
+              <div key={m.category} className="flex items-center gap-3">
+                <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[m.category] || CHART.axis }} />
+                <span className="text-sm text-zinc-300 w-32 truncate shrink-0">{formatCategory(m.category)}</span>
+                <div className="flex-1 h-1.5 rounded-full bg-zinc-800 overflow-hidden">
+                  <div
+                    className={`h-full rounded-full ${m.delta > 0 ? "bg-indigo-400" : "bg-emerald-500"}`}
+                    style={{ width: `${Math.max(6, Math.round((Math.abs(m.delta) / maxMoverDelta) * 100))}%` }}
+                  />
+                </div>
+                <span className={`text-xs font-mono tabular-nums w-16 text-right ${m.delta > 0 ? "text-indigo-300" : "text-emerald-400"}`}>
+                  {fmtSigned(m.delta)}
+                </span>
+              </div>
             ))}
-            {analytics.rows.length > 8 && (
-              <span className="text-xs text-zinc-600">+ {analytics.rows.length - 8} more in table below</span>
-            )}
           </div>
         </div>
       )}
 
-      {/* 2. Pareto chart */}
+      {/* ── Category small multiples ── */}
+      {sparkData.length > 0 && (
+        <div>
+          <div className="flex items-baseline justify-between mb-3">
+            <h3 className="text-sm font-medium">Category trends</h3>
+            <span className="text-xs text-zinc-500">12 months · top {sparkData.length} by total spend</span>
+          </div>
+          <div className="grid grid-cols-2 lg:grid-cols-4 gap-3">
+            {sparkData.map((s) => (
+              <div key={s.category} className="bg-zinc-900 border border-zinc-800 rounded-xl px-3.5 pt-3 pb-1.5">
+                <div className="flex items-center justify-between gap-2 mb-0.5">
+                  <span className="flex items-center gap-1.5 text-xs text-zinc-400 truncate">
+                    <span className="w-1.5 h-1.5 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[s.category] || CHART.axis }} />
+                    {formatCategory(s.category)}
+                  </span>
+                  {Math.abs(s.delta) >= 1 && (
+                    <span className={`text-[10px] font-mono tabular-nums shrink-0 ${s.delta > 0 ? "text-indigo-300" : "text-emerald-400"}`}>{fmtSigned(s.delta)}</span>
+                  )}
+                </div>
+                <p className="text-lg font-mono tabular-nums text-zinc-100 mb-1">{fmt(s.thisMonth)}</p>
+                <div className="h-10 -mx-1">
+                  <ResponsiveContainer width="100%" height="100%">
+                    <AreaChart data={s.series} margin={{ top: 2, right: 0, bottom: 0, left: 0 }}>
+                      <Area
+                        dataKey="v"
+                        stroke={CATEGORY_COLORS[s.category] || CHART.axis}
+                        strokeWidth={1.5}
+                        fill={CATEGORY_COLORS[s.category] || CHART.axis}
+                        fillOpacity={0.12}
+                        isAnimationActive={false}
+                      />
+                    </AreaChart>
+                  </ResponsiveContainer>
+                </div>
+              </div>
+            ))}
+          </div>
+        </div>
+      )}
+
+      {/* ── Pareto ── */}
       {paretoData.length > 0 && (
-        <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
+        <div className="bg-zinc-900 border border-zinc-800 rounded-xl p-4">
           <div className="flex items-center justify-between mb-4">
-            <h3 className="text-sm font-medium">Spend Concentration — {formatMonth(selectedMonth)}</h3>
+            <h3 className="text-sm font-medium">Spend concentration</h3>
             {pareto80idx >= 0 && (
               <span className="text-xs text-zinc-500">
                 Top {pareto80idx + 1} categor{pareto80idx === 0 ? "y" : "ies"} = 80% of spend
@@ -390,14 +447,14 @@ export default function AnalyticsPage() {
             <ComposedChart data={paretoData} margin={{ top: 4, right: 48, bottom: 0, left: 8 }}>
               <XAxis
                 dataKey="category"
-                tick={{ fill: "#71717a", fontSize: 11 }}
+                tick={{ fill: CHART.axis, fontSize: 11 }}
                 axisLine={false}
                 tickLine={false}
                 tickFormatter={formatCategory}
               />
               <YAxis
                 yAxisId="left"
-                tick={{ fill: "#71717a", fontSize: 11 }}
+                tick={{ fill: CHART.axis, fontSize: 11 }}
                 axisLine={false}
                 tickLine={false}
                 tickFormatter={(v) => `$${v}`}
@@ -406,66 +463,66 @@ export default function AnalyticsPage() {
               <YAxis
                 yAxisId="right"
                 orientation="right"
-                tick={{ fill: "#71717a", fontSize: 11 }}
+                tick={{ fill: CHART.axis, fontSize: 11 }}
                 axisLine={false}
                 tickLine={false}
                 tickFormatter={(v) => `${v}%`}
                 domain={[0, 100]}
                 width={36}
               />
-              <Tooltip content={<ParetoTooltip />} cursor={{ fill: "rgba(255,255,255,0.04)" }} />
-              <ReferenceLine yAxisId="right" y={80} stroke="#52525b" strokeDasharray="4 2" label={{ value: "80%", fill: "#71717a", fontSize: 10, position: "right" }} />
+              <Tooltip content={<ParetoTooltip />} cursor={{ fill: "rgba(232,224,204,0.04)" }} />
+              <ReferenceLine yAxisId="right" y={80} stroke={CHART.faint} strokeDasharray="4 2" label={{ value: "80%", fill: CHART.axis, fontSize: 10, position: "right" }} />
               <Bar yAxisId="left" dataKey="spent" radius={[3, 3, 0, 0]} maxBarSize={40}>
                 {paretoData.map((entry, i) => (
                   <Cell
                     key={entry.category}
-                    fill={i <= pareto80idx ? (CATEGORY_COLORS[entry.category] || "#6366f1") : "#3f3f46"}
+                    fill={i <= pareto80idx ? (CATEGORY_COLORS[entry.category] || CHART.accent) : CHART.dim}
                   />
                 ))}
               </Bar>
               <Line
                 yAxisId="right"
                 dataKey="cumulative"
-                stroke="#fbbf24"
+                stroke={CHART.accentSoft}
                 strokeWidth={2}
-                dot={{ fill: "#fbbf24", r: 3 }}
+                dot={{ fill: CHART.accentSoft, r: 3 }}
                 activeDot={{ r: 5 }}
               />
             </ComposedChart>
           </ResponsiveContainer>
           <div className="flex items-center gap-4 mt-2 justify-end">
-            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-0.5 bg-amber-400 inline-block" />Cumulative %</span>
-            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm bg-zinc-600 inline-block" />Below 80% threshold</span>
+            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-0.5 inline-block" style={{ background: CHART.accentSoft }} />Cumulative %</span>
+            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm inline-block" style={{ background: CHART.dim }} />Beyond 80%</span>
           </div>
         </div>
       )}
 
-      {/* 3. Cumulative spend this month */}
-      <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
+      {/* ── Cumulative pace ── */}
+      <div className="bg-zinc-900 border border-zinc-800 rounded-xl p-4">
         <div className="flex items-center justify-between mb-4">
-          <h3 className="text-sm font-medium">Cumulative Spend — {formatMonth(selectedMonth)}</h3>
-          <span className="text-xs text-zinc-500">vs avg monthly pace</span>
+          <h3 className="text-sm font-medium">Spend pace</h3>
+          <span className="text-xs text-zinc-500">cumulative through the month, vs typical</span>
         </div>
         <ResponsiveContainer width="100%" height={180}>
           <LineChart data={cumulativeData} margin={{ top: 4, right: 8, bottom: 0, left: 8 }}>
-            <XAxis dataKey="day" tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `${v}`} interval={4} />
-            <YAxis tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `$${(v / 1000).toFixed(1)}k`} width={44} />
-            <Tooltip content={<CumulativeTooltip />} cursor={{ stroke: "rgba(255,255,255,0.08)", strokeWidth: 1 }} />
-            <Line dataKey="typical" stroke="#3f3f46" strokeWidth={1.5} strokeDasharray="4 3" dot={false} name="typical" />
-            <Line dataKey="actual" stroke="#6366f1" strokeWidth={2} dot={false} activeDot={{ r: 4 }} connectNulls={false} name="actual" />
+            <XAxis dataKey="day" tick={{ fill: CHART.axis, fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `${v}`} interval={4} />
+            <YAxis tick={{ fill: CHART.axis, fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `$${(v / 1000).toFixed(1)}k`} width={44} />
+            <Tooltip content={<CumulativeTooltip />} cursor={{ stroke: "rgba(232,224,204,0.08)", strokeWidth: 1 }} />
+            <Line dataKey="typical" stroke={CHART.faint} strokeWidth={1.5} strokeDasharray="4 3" dot={false} name="typical" />
+            <Line dataKey="actual" stroke={CHART.accent} strokeWidth={2} dot={false} activeDot={{ r: 4 }} connectNulls={false} name="actual" />
           </LineChart>
         </ResponsiveContainer>
         <div className="flex items-center gap-4 mt-2 justify-end">
-          <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-4 h-0.5 bg-indigo-500 inline-block" />This month</span>
-          <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-4 h-0.5 bg-zinc-600 inline-block" style={{ borderTop: "1px dashed #52525b", display: "inline-block" }} />Typical pace</span>
+          <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-4 h-0.5 inline-block" style={{ background: CHART.accent }} />This month</span>
+          <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-4 h-0.5 inline-block border-t border-dashed" style={{ borderColor: CHART.faint }} />Typical pace</span>
         </div>
       </div>
 
-      {/* Category breakdown table — expandable rows */}
+      {/* ── Category breakdown table — expandable rows ── */}
       {categoryRows.length > 0 && (
-        <div className="bg-zinc-900 border border-zinc-700 rounded-xl overflow-hidden">
+        <div className="bg-zinc-900 border border-zinc-800 rounded-xl overflow-hidden">
           <div className="px-4 py-3 border-b border-zinc-800">
-            <h3 className="text-sm font-medium">Spending Breakdown — {formatMonth(selectedMonth)}</h3>
+            <h3 className="text-sm font-medium">Where it went — {formatMonth(selectedMonth)}</h3>
           </div>
           <table className="w-full text-sm">
             <thead>
@@ -473,7 +530,7 @@ export default function AnalyticsPage() {
                 <th className="text-left px-4 py-2 text-xs text-zinc-500 font-medium">Category</th>
                 <th className="text-right px-4 py-2 text-xs text-zinc-500 font-medium">Spent</th>
                 <th className="text-right px-4 py-2 text-xs text-zinc-500 font-medium"># Txns</th>
-                <th className="text-right px-4 py-2 text-xs text-zinc-500 font-medium">% of Total</th>
+                <th className="text-right px-4 py-2 text-xs text-zinc-500 font-medium">% of total</th>
               </tr>
             </thead>
             <tbody>
@@ -487,14 +544,14 @@ export default function AnalyticsPage() {
                     >
                       <td className="px-4 py-2.5 font-medium">
                         <span className="flex items-center gap-2">
-                          <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[category] || "#71717a" }} />
+                          <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[category] || CHART.axis }} />
                           {formatCategory(category)}
                           <span className="text-zinc-600 text-xs ml-1">{isExpanded ? "▲" : "▼"}</span>
                         </span>
                       </td>
-                      <td className="px-4 py-2.5 text-right tabular-nums">{fmtExact(spent)}</td>
-                      <td className="px-4 py-2.5 text-right text-zinc-400">{txCount}</td>
-                      <td className="px-4 py-2.5 text-right text-zinc-400 tabular-nums">
+                      <td className="px-4 py-2.5 text-right font-mono tabular-nums">{fmtExact(spent)}</td>
+                      <td className="px-4 py-2.5 text-right text-zinc-400 font-mono tabular-nums">{txCount}</td>
+                      <td className="px-4 py-2.5 text-right text-zinc-400 font-mono tabular-nums">
                         {totals.spent > 0 ? ((spent / totals.spent) * 100).toFixed(1) : "0.0"}%
                       </td>
                     </tr>
@@ -507,19 +564,19 @@ export default function AnalyticsPage() {
         </div>
       )}
 
-      {/* 6-month trend table */}
-      {analytics.months.length > 0 && (
+      {/* ── 6-month ledger table (heat-tinted) ── */}
+      {tableMonths.length > 0 && (
         <div>
-          <h3 className="text-sm font-semibold text-zinc-400 mb-3">6-Month Trend</h3>
-          <div className="overflow-x-auto rounded-xl border border-zinc-700">
+          <h3 className="text-sm font-medium text-zinc-400 mb-3">Six-month ledger</h3>
+          <div className="overflow-x-auto rounded-xl border border-zinc-800">
             <table className="w-full text-xs border-collapse">
               <thead>
                 <tr className="border-b border-zinc-800 bg-zinc-900">
                   <th className="text-left px-3 py-2 text-zinc-500 font-medium sticky left-0 bg-zinc-900 min-w-32">Category</th>
-                  {analytics.months.map((m) => (
+                  {tableMonths.map((m) => (
                     <th
                       key={m}
-                      className={`text-right px-3 py-2 font-medium whitespace-nowrap cursor-pointer hover:text-zinc-300 ${m === selectedMonth ? "text-indigo-400" : "text-zinc-500"}`}
+                      className={`text-right px-3 py-2 font-medium whitespace-nowrap cursor-pointer hover:text-zinc-300 ${m === selectedMonth ? "text-indigo-300" : "text-zinc-500"}`}
                       onClick={() => setSelectedMonth(m)}
                     >
                       {formatShortMonth(m)}
@@ -528,31 +585,39 @@ export default function AnalyticsPage() {
                 </tr>
               </thead>
               <tbody>
-                {analytics.rows.map((row) => (
-                  <tr key={row.category} className="border-b border-zinc-800/40 hover:bg-zinc-900/30">
-                    <td className="px-3 py-2 font-medium sticky left-0 bg-zinc-950">
-                      <span className="flex items-center gap-1.5">
-                        <span className="w-1.5 h-1.5 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[row.category] || "#71717a" }} />
-                        {formatCategory(row.category)}
-                      </span>
-                    </td>
-                    {analytics.months.map((m) => {
-                      const spent = row.spent[m];
-                      return (
-                        <td key={m} className={`px-3 py-2 text-right tabular-nums ${spent === undefined ? "text-zinc-700" : "text-zinc-300"} ${m === selectedMonth ? "bg-zinc-800/30" : ""}`}>
-                          {spent !== undefined ? fmt(spent) : "—"}
-                        </td>
-                      );
-                    })}
-                  </tr>
-                ))}
+                {analytics.rows.map((row) => {
+                  const rowMax = Math.max(...tableMonths.map((m) => row.spent[m] || 0), 1);
+                  return (
+                    <tr key={row.category} className="border-b border-zinc-800/40 hover:bg-zinc-900/30">
+                      <td className="px-3 py-2 font-medium sticky left-0 bg-zinc-950">
+                        <span className="flex items-center gap-1.5">
+                          <span className="w-1.5 h-1.5 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[row.category] || CHART.axis }} />
+                          {formatCategory(row.category)}
+                        </span>
+                      </td>
+                      {tableMonths.map((m) => {
+                        const spent = row.spent[m];
+                        const heat = spent !== undefined ? (spent / rowMax) * 0.28 : 0;
+                        return (
+                          <td
+                            key={m}
+                            className={`px-3 py-2 text-right font-mono tabular-nums ${spent === undefined ? "text-zinc-700" : "text-zinc-300"}`}
+                            style={heat > 0.02 ? { background: `rgba(188, 111, 48, ${heat.toFixed(3)})` } : undefined}
+                          >
+                            {spent !== undefined ? fmt(spent) : "—"}
+                          </td>
+                        );
+                      })}
+                    </tr>
+                  );
+                })}
                 {hasIncome && (
                   <tr className="border-b border-zinc-800/40">
                     <td className="px-3 py-2 font-medium sticky left-0 bg-zinc-950 text-emerald-600">Income</td>
-                    {analytics.months.map((m) => {
+                    {tableMonths.map((m) => {
                       const inc = analytics.income[m];
                       return (
-                        <td key={m} className={`px-3 py-2 text-right tabular-nums text-emerald-500 ${m === selectedMonth ? "bg-zinc-800/30" : ""}`}>
+                        <td key={m} className="px-3 py-2 text-right font-mono tabular-nums text-emerald-500">
                           {inc ? fmt(inc) : "—"}
                         </td>
                       );
@@ -561,11 +626,11 @@ export default function AnalyticsPage() {
                 )}
                 {hasInvestments && (
                   <tr className="border-b border-zinc-800/40">
-                    <td className="px-3 py-2 font-medium sticky left-0 bg-zinc-950 text-indigo-500">Invested</td>
-                    {analytics.months.map((m) => {
+                    <td className="px-3 py-2 font-medium sticky left-0 bg-zinc-950 text-indigo-400">Invested</td>
+                    {tableMonths.map((m) => {
                       const inv = analytics.investments[m];
                       return (
-                        <td key={m} className={`px-3 py-2 text-right tabular-nums text-indigo-400 ${m === selectedMonth ? "bg-zinc-800/30" : ""}`}>
+                        <td key={m} className="px-3 py-2 text-right font-mono tabular-nums text-indigo-300">
                           {inv ? fmt(inv) : "—"}
                         </td>
                       );
@@ -574,10 +639,10 @@ export default function AnalyticsPage() {
                 )}
                 <tr className="border-t-2 border-zinc-700 font-semibold bg-zinc-900/50">
                   <td className="px-3 py-2 sticky left-0 bg-zinc-900">Expenses</td>
-                  {analytics.months.map((m) => {
+                  {tableMonths.map((m) => {
                     const t = analytics.totals[m];
                     return (
-                      <td key={m} className={`px-3 py-2 text-right tabular-nums ${m === selectedMonth ? "bg-zinc-800/30 text-indigo-300" : ""}`}>
+                      <td key={m} className={`px-3 py-2 text-right font-mono tabular-nums ${m === selectedMonth ? "text-indigo-300" : ""}`}>
                         {fmt(t?.spent || 0)}
                       </td>
                     );
@@ -585,12 +650,12 @@ export default function AnalyticsPage() {
                 </tr>
                 {hasIncome && (
                   <tr className="font-semibold bg-zinc-900/50">
-                    <td className="px-3 py-2 sticky left-0 bg-zinc-900">Net Cash</td>
-                    {analytics.months.map((m) => {
+                    <td className="px-3 py-2 sticky left-0 bg-zinc-900">Net cash</td>
+                    {tableMonths.map((m) => {
                       const t = analytics.totals[m];
                       const net = t?.net || 0;
                       return (
-                        <td key={m} className={`px-3 py-2 text-right tabular-nums ${net >= 0 ? "text-emerald-400" : "text-red-400"} ${m === selectedMonth ? "bg-zinc-800/30" : ""}`}>
+                        <td key={m} className={`px-3 py-2 text-right font-mono tabular-nums ${net >= 0 ? "text-emerald-400" : "text-red-400"}`}>
                           {net >= 0 ? "+" : ""}{fmt(net)}
                         </td>
                       );

src/app/globals.css

@@ -1,6 +1,54 @@
 @import "tailwindcss";
 
-@theme inline {
+/*
+ * Ink & copper ledger theme.
+ *
+ * The whole app is written against Tailwind's zinc (neutrals) and indigo
+ * (accent) scales, so the retheme happens here: zinc is remapped to warm
+ * ink/paper tones and indigo to copper. Pages therefore inherit the palette
+ * without per-page edits; chart hexes live in src/lib/category-colors.ts.
+ */
+@theme {
   --font-sans: var(--font-geist-sans);
   --font-mono: var(--font-geist-mono);
+  --font-display: var(--font-fraunces), Georgia, serif;
+
+  /* Ink / paper neutrals (replaces zinc) */
+  --color-zinc-950: #0f0d0a;
+  --color-zinc-900: #171410;
+  --color-zinc-800: #242019;
+  --color-zinc-700: #332d23;
+  --color-zinc-600: #4d4536;
+  --color-zinc-500: #6e644f;
+  --color-zinc-400: #94896f;
+  --color-zinc-300: #b3a88e;
+  --color-zinc-200: #d1c7af;
+  --color-zinc-100: #e8e0cc;
+  --color-zinc-50: #f3edde;
+
+  /* Copper accent (replaces indigo) */
+  --color-indigo-950: #2a1708;
+  --color-indigo-900: #3e2410;
+  --color-indigo-800: #5c3517;
+  --color-indigo-700: #7c4820;
+  --color-indigo-600: #9c5b28;
+  --color-indigo-500: #bc6f30;
+  --color-indigo-400: #d28a47;
+  --color-indigo-300: #e3a968;
+  --color-indigo-200: #efc795;
+  --color-indigo-100: #f7e2c4;
+}
+
+::selection {
+  background: #bc6f30;
+  color: #0f0d0a;
+}
+
+@media (prefers-reduced-motion: reduce) {
+  *,
+  *::before,
+  *::after {
+    animation-duration: 0.01ms !important;
+    transition-duration: 0.01ms !important;
+  }
 }

src/app/insights/page.tsx

@@ -6,6 +6,7 @@ import {
 } from "recharts";
 import { useMonthlyAnalytics, useSubscriptions, useFees, useTransactions, useUpdateTransaction } from "@/lib/hooks";
 import { CATEGORIES, REGULAR_CATEGORIES, formatCategory } from "@/lib/categories";
+import { CHART, TOOLTIP_STYLE } from "@/lib/category-colors";
 
 const SPEND_TYPES = new Set(["debit", "fee", "interest"]);
 
@@ -50,16 +51,16 @@ function Section({ title, children }: { title: string; children: React.ReactNode
 }
 
 // ─── Custom tooltip ──────────────────────────────────────────────────
-function RegularTooltip({ active, payload, label }: any) {
+function RegularTooltip({ active, payload, label }: { active?: boolean; payload?: { dataKey: string; value: number }[]; label?: string }) {
   if (!active || !payload?.length) return null;
-  const regular = payload.find((p: any) => p.dataKey === "regular")?.value ?? 0;
-  const occasional = payload.find((p: any) => p.dataKey === "occasional")?.value ?? 0;
+  const regular = payload.find((p) => p.dataKey === "regular")?.value ?? 0;
+  const occasional = payload.find((p) => p.dataKey === "occasional")?.value ?? 0;
   return (
-    <div className="bg-zinc-900 border border-zinc-700 rounded px-3 py-2 text-xs space-y-1">
+    <div style={TOOLTIP_STYLE} className="px-3 py-2 text-xs space-y-1">
       <div className="font-medium text-zinc-300 mb-1">{label}</div>
-      <div className="flex justify-between gap-4"><span className="text-indigo-400">Regular</span><span>{fmt(regular)}</span></div>
-      <div className="flex justify-between gap-4"><span className="text-zinc-400">Occasional</span><span>{fmt(occasional)}</span></div>
-      <div className="flex justify-between gap-4 border-t border-zinc-700 pt-1"><span className="text-zinc-500">Total</span><span>{fmt(regular + occasional)}</span></div>
+      <div className="flex justify-between gap-4"><span className="text-indigo-300">Regular</span><span className="font-mono">{fmt(regular)}</span></div>
+      <div className="flex justify-between gap-4"><span className="text-zinc-400">Occasional</span><span className="font-mono">{fmt(occasional)}</span></div>
+      <div className="flex justify-between gap-4 border-t border-zinc-700 pt-1"><span className="text-zinc-500">Total</span><span className="font-mono">{fmt(regular + occasional)}</span></div>
     </div>
   );
 }
@@ -185,8 +186,8 @@ function MonthlyBreakdown({ analytics }: { analytics: NonNullable<ReturnType<typ
       .sort((a, b) => b.amount - a.amount);
   }, [analytics.rows, selectedMonth]);
 
-  const regularRows = categoryData.filter((r) => REGULAR_CATEGORIES.has(r.category as any));
-  const occasionalRows = categoryData.filter((r) => !REGULAR_CATEGORIES.has(r.category as any));
+  const regularRows = categoryData.filter((r) => (REGULAR_CATEGORIES as Set<string>).has(r.category));
+  const occasionalRows = categoryData.filter((r) => !(REGULAR_CATEGORIES as Set<string>).has(r.category));
   const regularTotal = regularRows.reduce((s, r) => s + r.amount, 0);
   const occasionalTotal = occasionalRows.reduce((s, r) => s + r.amount, 0);
 
@@ -243,7 +244,7 @@ function MonthlyBreakdown({ analytics }: { analytics: NonNullable<ReturnType<typ
         ))}
       </div>
 
-      <div className="border border-zinc-700 rounded-xl overflow-hidden">
+      <div className="border border-zinc-800 rounded-xl overflow-hidden">
         <table className="w-full text-sm">
           <thead>
             <tr className="border-b border-zinc-800 bg-zinc-900">
@@ -297,7 +298,7 @@ export default function InsightsPage() {
       let occasional = 0;
       for (const row of analytics.rows) {
         const spend = Number(row.spent[month] ?? 0);
-        if (REGULAR_CATEGORIES.has(row.category as any)) regular += spend;
+        if ((REGULAR_CATEGORIES as Set<string>).has(row.category)) regular += spend;
         else occasional += spend;
       }
       return {
@@ -321,46 +322,47 @@ export default function InsightsPage() {
 
   return (
     <div className="max-w-4xl">
-      <h2 className="text-xl font-semibold mb-6">Insights</h2>
+      <p className="text-[11px] uppercase tracking-[0.18em] text-zinc-500 mb-1">Ledger · patterns</p>
+      <h2 className="text-2xl font-display mb-6">Insights</h2>
 
       {/* ── 1. Regular vs Occasional ── */}
-      <Section title="Regular vs Occasional Spend">
-        <div className="grid grid-cols-3 gap-3 mb-4">
-          <div className="bg-zinc-900 border border-zinc-800 rounded-lg px-4 py-3">
-            <div className="text-xs text-zinc-500 mb-1">This month — regular spend</div>
-            <div className="text-xl font-semibold text-indigo-400">{fmt(latestRegular)}</div>
+      <Section title="Regular vs occasional spend">
+        <div className="bg-zinc-900 border border-zinc-800 rounded-xl grid grid-cols-3 divide-x divide-zinc-800 overflow-hidden mb-4">
+          <div className="px-4 py-3.5">
+            <div className="text-[10px] uppercase tracking-wider text-zinc-500 mb-1.5">This month · regular</div>
+            <div className="text-xl font-mono tabular-nums text-indigo-300">{fmt(latestRegular)}</div>
           </div>
-          <div className="bg-zinc-900 border border-zinc-800 rounded-lg px-4 py-3">
-            <div className="text-xs text-zinc-500 mb-1">12-month avg regular</div>
-            <div className="text-xl font-semibold text-zinc-200">{fmt(avgRegular)}</div>
+          <div className="px-4 py-3.5">
+            <div className="text-[10px] uppercase tracking-wider text-zinc-500 mb-1.5">12-month average</div>
+            <div className="text-xl font-mono tabular-nums text-zinc-200">{fmt(avgRegular)}</div>
           </div>
-          <div className="bg-zinc-900 border border-zinc-800 rounded-lg px-4 py-3">
-            <div className="text-xs text-zinc-500 mb-1">Trend (first 3 vs last 3 mo)</div>
-            <div className={`text-xl font-semibold ${regularTrend.dir === "up" ? "text-red-400" : regularTrend.dir === "down" ? "text-green-400" : "text-zinc-400"}`}>
+          <div className="px-4 py-3.5">
+            <div className="text-[10px] uppercase tracking-wider text-zinc-500 mb-1.5">Trend · first 3 vs last 3</div>
+            <div className={`text-xl font-mono tabular-nums ${regularTrend.dir === "up" ? "text-red-400" : regularTrend.dir === "down" ? "text-emerald-400" : "text-zinc-400"}`}>
               {regularTrend.dir === "up" ? "↑" : regularTrend.dir === "down" ? "↓" : "→"} {regularTrend.pct}%
             </div>
           </div>
         </div>
-        <div className="bg-zinc-900 border border-zinc-800 rounded-lg p-4">
+        <div className="bg-zinc-900 border border-zinc-800 rounded-xl p-4">
           <ResponsiveContainer width="100%" height={220}>
             <ComposedChart data={chartData} margin={{ top: 4, right: 8, left: 0, bottom: 0 }}>
-              <XAxis dataKey="month" tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} />
-              <YAxis tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `$${(v / 1000).toFixed(0)}k`} width={44} />
-              <Tooltip content={<RegularTooltip />} />
-              <Bar dataKey="regular" stackId="a" fill="#6366f1" name="Regular" radius={[0, 0, 0, 0]} />
-              <Bar dataKey="occasional" stackId="a" fill="#3f3f46" name="Occasional" radius={[3, 3, 0, 0]} />
-              <Line type="monotone" dataKey="regular" stroke="#818cf8" strokeWidth={2} dot={false} strokeDasharray="4 2" />
+              <XAxis dataKey="month" tick={{ fill: CHART.axis, fontSize: 11 }} axisLine={false} tickLine={false} />
+              <YAxis tick={{ fill: CHART.axis, fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `$${(v / 1000).toFixed(0)}k`} width={44} />
+              <Tooltip content={<RegularTooltip />} cursor={{ fill: "rgba(232,224,204,0.04)" }} />
+              <Bar dataKey="regular" stackId="a" fill={CHART.accent} name="Regular" radius={[0, 0, 0, 0]} />
+              <Bar dataKey="occasional" stackId="a" fill={CHART.dim} name="Occasional" radius={[3, 3, 0, 0]} />
+              <Line type="monotone" dataKey="regular" stroke={CHART.accentSoft} strokeWidth={2} dot={false} strokeDasharray="4 2" />
             </ComposedChart>
           </ResponsiveContainer>
           <div className="flex gap-4 mt-2 justify-end">
-            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm bg-indigo-500 inline-block" />Regular (groceries, dining, transport…)</span>
-            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm bg-zinc-600 inline-block" />Occasional</span>
+            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm inline-block" style={{ background: CHART.accent }} />Regular (groceries, dining, transport…)</span>
+            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm inline-block" style={{ background: CHART.dim }} />Occasional</span>
           </div>
         </div>
       </Section>
 
       {/* ── 2. Monthly Spend Breakdown ── */}
-      <Section title="Monthly Spend Breakdown">
+      <Section title="Monthly spend breakdown">
         {!analytics6 ? (
           <p className="text-zinc-500 text-sm">Loading...</p>
         ) : (
@@ -369,7 +371,7 @@ export default function InsightsPage() {
       </Section>
 
       {/* ── 3. Recurring Charges ── */}
-      <Section title="Recurring Charges">
+      <Section title="Recurring charges">
         {!subData ? (
           <p className="text-zinc-500 text-sm">Loading...</p>
         ) : subData.subscriptions.length === 0 ? (
@@ -380,7 +382,7 @@ export default function InsightsPage() {
               <span className="text-xs text-zinc-500">{activeSubscriptions.length} active · {inactiveSubscriptions.length} inactive</span>
               <span className="text-sm font-medium text-indigo-400">{fmtExact(subData.total_monthly_equiv)}<span className="text-xs text-zinc-500 font-normal ml-1">/ month committed</span></span>
             </div>
-            <div className="border border-zinc-700 rounded-xl overflow-hidden">
+            <div className="border border-zinc-800 rounded-xl overflow-hidden">
               <table className="w-full text-sm">
                 <thead>
                   <tr className="border-b border-zinc-800 bg-zinc-900">
@@ -419,7 +421,7 @@ export default function InsightsPage() {
       </Section>
 
       {/* ── 4. Fees & Interest ── */}
-      <Section title="Fees & Interest">
+      <Section title="Fees & interest">
         {!feesData ? (
           <p className="text-zinc-500 text-sm">Loading...</p>
         ) : feesData.by_bank.length === 0 && feesData.transactions.length === 0 ? (
@@ -427,7 +429,7 @@ export default function InsightsPage() {
         ) : (
           <div className="space-y-4">
             {feesData.by_bank.length > 0 && (
-              <div className="border border-zinc-700 rounded-xl overflow-hidden">
+              <div className="border border-zinc-800 rounded-xl overflow-hidden">
                 <table className="w-full text-sm">
                   <thead>
                     <tr className="border-b border-zinc-800 bg-zinc-900">
@@ -459,7 +461,7 @@ export default function InsightsPage() {
             {feesData.transactions.length > 0 && (
               <div>
                 <p className="text-xs text-zinc-500 mb-2">Individual fee / interest transactions</p>
-                <div className="border border-zinc-700 rounded-xl overflow-hidden">
+                <div className="border border-zinc-800 rounded-xl overflow-hidden">
                   <table className="w-full text-sm">
                     <thead>
                       <tr className="border-b border-zinc-800 bg-zinc-900">

src/app/layout.tsx

@@ -1,5 +1,5 @@
 import type { Metadata } from "next";
-import { Geist, Geist_Mono } from "next/font/google";
+import { Geist, Geist_Mono, Fraunces } from "next/font/google";
 import "./globals.css";
 import { Providers } from "@/components/providers";
 import { Sidebar } from "@/components/sidebar";
@@ -14,6 +14,12 @@ const geistMono = Geist_Mono({
   subsets: ["latin"],
 });
 
+const fraunces = Fraunces({
+  variable: "--font-fraunces",
+  subsets: ["latin"],
+  weight: ["400", "500", "600"],
+});
+
 export const metadata: Metadata = {
   title: "Finance",
   description: "Personal Finance Dashboard",
@@ -27,7 +33,7 @@ export default function RootLayout({
   return (
     <html lang="en" className="dark">
       <body
-        className={`${geistSans.variable} ${geistMono.variable} antialiased bg-zinc-950 text-zinc-100`}
+        className={`${geistSans.variable} ${geistMono.variable} ${fraunces.variable} antialiased bg-zinc-950 text-zinc-100`}
       >
         <Providers>
           <div className="flex min-h-screen">

src/app/merchants/page.tsx

@@ -129,7 +129,7 @@ function MerchantProfile({
     }));
   }, [merchant.monthly_trend]);
 
-  const color = CATEGORY_COLORS[merchant.category] || "#6366f1";
+  const color = CATEGORY_COLORS[merchant.category] || "#bc6f30";
 
   return (
     <div className="fixed inset-0 z-50 flex justify-end">
@@ -190,23 +190,23 @@ function MerchantProfile({
             <p className="text-sm font-medium text-zinc-300 mb-3">Monthly Spend</p>
             <ResponsiveContainer width="100%" height={120}>
               <LineChart data={trendData}>
-                <CartesianGrid stroke="#27272a" strokeDasharray="3 3" />
+                <CartesianGrid stroke="#242019" strokeDasharray="3 3" />
                 <XAxis
                   dataKey="label"
-                  tick={{ fill: "#71717a", fontSize: 10 }}
+                  tick={{ fill: "#94896f", fontSize: 10 }}
                   axisLine={false}
                   tickLine={false}
                 />
                 <YAxis
-                  tick={{ fill: "#71717a", fontSize: 10 }}
+                  tick={{ fill: "#94896f", fontSize: 10 }}
                   axisLine={false}
                   tickLine={false}
                   tickFormatter={(v) => `$${Math.round(v)}`}
                   width={45}
                 />
                 <Tooltip
-                  contentStyle={{ background: "#18181b", border: "1px solid #3f3f46", borderRadius: "8px" }}
-                  labelStyle={{ color: "#a1a1aa" }}
+                  contentStyle={{ background: "#171410", border: "1px solid #332d23", borderRadius: "8px" }}
+                  labelStyle={{ color: "#b3a88e" }}
                 />
                 <Line
                   type="monotone"
@@ -295,7 +295,7 @@ export default function MerchantsPage() {
       {/* Header */}
       <div className="flex items-center justify-between">
         <div>
-          <h1 className="text-xl font-semibold text-white">Merchants</h1>
+          <h1 className="text-2xl font-display text-zinc-50">Merchants</h1>
           <p className="text-zinc-400 text-sm mt-0.5">{merchants.length} merchants · last {months} months</p>
         </div>
         <select
@@ -320,28 +320,28 @@ export default function MerchantsPage() {
           <QuadrantLabels medianX={medianX} medianY={medianY} />
           <ResponsiveContainer width="100%" height={360}>
             <ScatterChart margin={{ top: 10, right: 20, bottom: 20, left: 10 }}>
-              <CartesianGrid stroke="#27272a" strokeDasharray="3 3" />
+              <CartesianGrid stroke="#242019" strokeDasharray="3 3" />
               <XAxis
                 dataKey="debit_count"
                 name="Transactions"
                 type="number"
-                tick={{ fill: "#71717a", fontSize: 11 }}
+                tick={{ fill: "#94896f", fontSize: 11 }}
                 axisLine={false}
                 tickLine={false}
-                label={{ value: "Transaction Count", position: "insideBottom", offset: -10, fill: "#52525b", fontSize: 11 }}
+                label={{ value: "Transaction Count", position: "insideBottom", offset: -10, fill: "#6e644f", fontSize: 11 }}
               />
               <YAxis
                 dataKey="net_spend"
                 name="Net Spend"
                 type="number"
-                tick={{ fill: "#71717a", fontSize: 11 }}
+                tick={{ fill: "#94896f", fontSize: 11 }}
                 axisLine={false}
                 tickLine={false}
                 tickFormatter={(v) => `$${Math.round(v / 1000)}k`}
                 width={48}
-                label={{ value: "Total Spend", angle: -90, position: "insideLeft", offset: 10, fill: "#52525b", fontSize: 11 }}
+                label={{ value: "Total Spend", angle: -90, position: "insideLeft", offset: 10, fill: "#6e644f", fontSize: 11 }}
               />
-              <Tooltip content={<ScatterTooltip />} cursor={{ strokeDasharray: "3 3", stroke: "#52525b" }} />
+              <Tooltip content={<ScatterTooltip />} cursor={{ strokeDasharray: "3 3", stroke: "#6e644f" }} />
               <Scatter
                 data={scatterData}
                 onClick={(d) => setSelected(d as unknown as MerchantRow)}
@@ -350,7 +350,7 @@ export default function MerchantsPage() {
                 {scatterData.map((entry, idx) => (
                   <Cell
                     key={idx}
-                    fill={CATEGORY_COLORS[entry.category] || "#6366f1"}
+                    fill={CATEGORY_COLORS[entry.category] || "#bc6f30"}
                     fillOpacity={0.75}
                     stroke={selected?.merchant === entry.merchant ? "#fff" : "transparent"}
                     strokeWidth={2}
@@ -400,7 +400,7 @@ export default function MerchantsPage() {
             </thead>
             <tbody>
               {filtered.map((m) => {
-                const color = CATEGORY_COLORS[m.category] || "#6366f1";
+                const color = CATEGORY_COLORS[m.category] || "#bc6f30";
                 return (
                   <tr
                     key={m.merchant}

src/app/reconcile/page.tsx

@@ -94,7 +94,7 @@ export default function ReconcilePage() {
   if (pending.length === 0) {
     return (
       <div className="p-6">
-        <h2 className="text-xl font-semibold mb-2">Reconcile</h2>
+        <h2 className="text-2xl font-display mb-2">Reconcile</h2>
         <p className="text-zinc-500 text-sm">No unreconciled manual transactions. Import a CSV to get started.</p>
       </div>
     );
@@ -104,7 +104,7 @@ export default function ReconcilePage() {
     <div className="p-6 space-y-4">
       <div className="flex items-center justify-between">
         <div>
-          <h2 className="text-xl font-semibold">Reconcile</h2>
+          <h2 className="text-2xl font-display">Reconcile</h2>
           <p className="text-xs text-zinc-500 mt-0.5">
             {pending.length} manual transaction{pending.length !== 1 ? "s" : ""} ·{" "}
             {withMatches.length} with potential matches

src/app/rules/page.tsx

@@ -161,7 +161,7 @@ export default function RulesPage() {
   return (
     <div className="space-y-6">
       <div className="flex items-center justify-between">
-        <h2 className="text-xl font-semibold">Rules</h2>
+        <h2 className="text-2xl font-display">Rules</h2>
         <div className="flex gap-2 items-center">
           <label className="text-xs text-zinc-500 whitespace-nowrap">Splits from</label>
           <input

src/app/shared/page.tsx

@@ -307,7 +307,7 @@ export default function SharedPage() {
   return (
     <div className="space-y-6">
       <div className="flex items-center justify-between gap-3">
-        <h2 className="text-xl font-semibold">Shared Expenses</h2>
+        <h2 className="text-2xl font-display">Shared Expenses</h2>
         <div className="flex items-center gap-2 ml-auto flex-wrap">
           <select
             value={participantId ?? ""}

src/app/statements/page.tsx

@@ -78,7 +78,7 @@ export default function StatementsPage() {
   return (
     <div>
       <div className="flex items-center justify-between mb-4">
-        <h2 className="text-xl font-semibold">Statements</h2>
+        <h2 className="text-2xl font-display">Statements</h2>
         {!isLoading && statements && (
           <span className="text-xs text-zinc-500">
             {hasFilters ? `${filtered.length} of ${statements.length}` : statements.length} statements

src/app/tags/page.tsx

@@ -146,7 +146,7 @@ export default function TagsPage() {
 
   return (
     <div>
-      <h2 className="text-xl font-semibold mb-4">Tags</h2>
+      <h2 className="text-2xl font-display mb-4">Tags</h2>
 
       {/* Create form */}
       <div className="mb-6 p-4 bg-zinc-900/50 border border-zinc-800 rounded-lg">

src/app/transactions/page.tsx

@@ -568,7 +568,7 @@ function TransactionsContent() {
   return (
     <div>
       <div className="flex items-center justify-between mb-4">
-        <h2 className="text-xl font-semibold">Transactions</h2>
+        <h2 className="text-2xl font-display">Transactions</h2>
         <div className="flex gap-2">
           <button
             onClick={() => setShowImportModal(true)}

src/app/trips/page.tsx

@@ -62,7 +62,7 @@ export default function TripsPage() {
     <div className="space-y-6">
       <div className="flex items-center justify-between">
         <div>
-          <h2 className="text-xl font-semibold">Trips</h2>
+          <h2 className="text-2xl font-display">Trips</h2>
           <p className="text-sm text-zinc-500 mt-0.5">Group and analyse expenses by trip</p>
         </div>
         <button

src/components/sidebar.tsx

@@ -92,7 +92,7 @@ export function Sidebar() {
   const navContent = (
     <>
       <div className="p-4 border-b border-zinc-800 flex items-center justify-between">
-        <h1 className="text-lg font-semibold text-white">Finance</h1>
+        <h1 className="text-xl text-zinc-100 font-display tracking-tight">Finance<span className="text-indigo-400">.</span></h1>
         <button
           onClick={() => setOpen(false)}
           className="md:hidden p-1 rounded text-zinc-400 hover:text-white hover:bg-zinc-800"
@@ -110,10 +110,10 @@ export function Sidebar() {
             <Link
               key={item.href}
               href={item.href}
-              className={`flex items-center gap-3 px-3 py-2 rounded-md text-sm mb-0.5 transition-colors ${
+              className={`relative flex items-center gap-3 px-3 py-2 rounded-md text-sm mb-0.5 transition-colors ${
                 active
-                  ? "bg-zinc-800 text-white"
-                  : "text-zinc-400 hover:text-white hover:bg-zinc-800/50"
+                  ? "bg-zinc-800 text-zinc-50 before:absolute before:left-0 before:top-1.5 before:bottom-1.5 before:w-0.5 before:rounded-full before:bg-indigo-400"
+                  : "text-zinc-400 hover:text-zinc-100 hover:bg-zinc-800/50"
               }`}
             >
               {ICONS[item.icon]}
@@ -138,7 +138,7 @@ export function Sidebar() {
             <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M4 6h16M4 12h16M4 18h16" />
           </svg>
         </button>
-        <span className="ml-3 text-base font-semibold text-white">Finance</span>
+        <span className="ml-3 text-lg text-zinc-100 font-display tracking-tight">Finance<span className="text-indigo-400">.</span></span>
       </div>
 
       {/* Mobile drawer overlay */}

src/lib/category-colors.ts

@@ -26,9 +26,21 @@ export const CATEGORY_COLORS: Record<string, string> = {
   other: "#71717a",
 };
 
+// Ink & copper chart tokens — keep in sync with the @theme scales in globals.css.
+export const CHART = {
+  accent: "#bc6f30", // copper (indigo-500)
+  accentSoft: "#d28a47", // copper light (indigo-400)
+  positive: "#34d399",
+  negative: "#e35f4b",
+  axis: "#94896f", // muted paper (zinc-400)
+  faint: "#6e644f", // zinc-500
+  grid: "#242019", // zinc-800
+  dim: "#332d23", // zinc-700 — de-emphasised series
+};
+
 export const TOOLTIP_STYLE = {
-  background: "#18181b",
-  border: "1px solid #3f3f46",
+  background: "#171410",
+  border: "1px solid #332d23",
   borderRadius: 8,
   fontSize: 12,
 };