diff --git a/load-tests/nrql-queries.sql b/load-tests/nrql-queries.sql
new file mode 100644
index 0000000..c8c99a6
--- /dev/null
+++ b/load-tests/nrql-queries.sql
@@ -0,0 +1,274 @@
+-- ============================================================
+-- HOALedgerIQ – New Relic NRQL Query Library
+-- App name: HOALedgerIQ_App
+-- Usage: Run in New Relic Query Builder. Replace time windows as needed.
+-- ============================================================
+
+
+-- ── SECTION 1: OVERVIEW HEALTH ────────────────────────────────────────────
+
+-- 1.1 Apdex score over last test window
+SELECT apdex(duration, t: 0.5) AS 'Apdex'
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+SINCE 1 hour ago
+TIMESERIES 1 minute
+
+-- 1.2 Overall throughput (requests per minute)
+SELECT rate(count(*), 1 minute) AS 'RPM'
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+SINCE 1 hour ago
+TIMESERIES 1 minute
+
+-- 1.3 Error rate over time
+SELECT percentage(count(*), WHERE error IS true) AS 'Error %'
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+SINCE 1 hour ago
+TIMESERIES 1 minute
+
+
+-- ── SECTION 2: LATENCY BY ENDPOINT ────────────────────────────────────────
+
+-- 2.1 p50 / p95 / p99 latency by transaction name
+SELECT percentile(duration, 50, 95, 99) AS 'ms'
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+FACET name
+SINCE 1 hour ago
+LIMIT 30
+
+-- 2.2 Slowest endpoints (p95) during load test window
+SELECT percentile(duration, 95) AS 'p95 ms'
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+FACET name
+SINCE 1 hour ago
+ORDER BY percentile(duration, 95) DESC
+LIMIT 20
+
+-- 2.3 Auth endpoint latency breakdown
+SELECT percentile(duration, 50, 95, 99)
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+  AND name LIKE '%auth%'
+FACET name
+SINCE 1 hour ago
+
+-- 2.4 Report endpoint latency (typically slowest reads)
+SELECT percentile(duration, 50, 95, 99)
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+  AND name LIKE '%reports%'
+FACET name
+SINCE 1 hour ago
+
+-- 2.5 Write endpoint latency (journal-entries, payments, invoices)
+SELECT percentile(duration, 50, 95, 99)
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+  AND (name LIKE '%journal-entries%' OR name LIKE '%payments%' OR name LIKE '%invoices%')
+FACET name
+SINCE 1 hour ago
+
+-- 2.6 Latency heatmap over time for dashboard load
+SELECT histogram(duration, width: 100, buckets: 20)
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+  AND name LIKE '%reports/dashboard%'
+SINCE 1 hour ago
+
+
+-- ── SECTION 3: DATABASE PERFORMANCE ──────────────────────────────────────
+
+-- 3.1 Slowest database queries (top 20)
+SELECT average(duration) AS 'avg ms', count(*) AS 'calls'
+FROM DatastoreSegment
+WHERE appName = 'HOALedgerIQ_App'
+FACET statement
+SINCE 1 hour ago
+ORDER BY average(duration) DESC
+LIMIT 20
+
+-- 3.2 Database call count by operation type
+SELECT count(*)
+FROM DatastoreSegment
+WHERE appName = 'HOALedgerIQ_App'
+FACET operation
+SINCE 1 hour ago
+
+-- 3.3 N+1 detection – high-call-count queries
+SELECT count(*) AS 'call count', average(duration) AS 'avg ms'
+FROM DatastoreSegment
+WHERE appName = 'HOALedgerIQ_App'
+FACET statement
+SINCE 1 hour ago
+ORDER BY count(*) DESC
+LIMIT 20
+
+-- 3.4 DB time as % of total transaction time (per endpoint)
+SELECT average(databaseDuration) / average(duration) * 100 AS '% DB time'
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+  AND databaseDuration IS NOT NULL
+FACET name
+SINCE 1 hour ago
+ORDER BY average(databaseDuration) / average(duration) DESC
+LIMIT 20
+
+-- 3.5 Connection pool pressure (slow queries that may indicate pool exhaustion)
+SELECT count(*) AS 'slow queries (>500ms)'
+FROM DatastoreSegment
+WHERE appName = 'HOALedgerIQ_App'
+  AND duration > 0.5
+FACET statement
+SINCE 1 hour ago
+
+-- 3.6 Multi-tenant schema switch overhead (TenantMiddleware)
+SELECT average(duration) AS 'avg ms'
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+  AND name NOT LIKE '%auth/login%'
+  AND name NOT LIKE '%auth/refresh%'
+FACET name
+SINCE 1 hour ago
+ORDER BY average(duration) DESC
+LIMIT 20
+
+
+-- ── SECTION 4: ERROR ANALYSIS ─────────────────────────────────────────────
+
+-- 4.1 All errors by class and message
+SELECT count(*), latest(errorMessage)
+FROM TransactionError
+WHERE appName = 'HOALedgerIQ_App'
+FACET errorClass, errorMessage
+SINCE 1 hour ago
+LIMIT 30
+
+-- 4.2 Error rate by HTTP status code
+SELECT count(*)
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+  AND httpResponseCode >= 400
+FACET httpResponseCode
+SINCE 1 hour ago
+TIMESERIES 1 minute
+
+-- 4.3 403 errors (WriteAccessGuard rejections under load)
+SELECT count(*) AS '403 Forbidden'
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+  AND httpResponseCode = 403
+FACET name
+SINCE 1 hour ago
+
+-- 4.4 429 errors (rate limiter – Throttler)
+SELECT count(*) AS '429 Rate Limited'
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+  AND httpResponseCode = 429
+TIMESERIES 1 minute
+SINCE 1 hour ago
+
+-- 4.5 500 errors by endpoint
+SELECT count(*), latest(errorMessage)
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+  AND httpResponseCode = 500
+FACET name, errorMessage
+SINCE 1 hour ago
+
+-- 4.6 JWT / auth failures
+SELECT count(*)
+FROM TransactionError
+WHERE appName = 'HOALedgerIQ_App'
+  AND (errorMessage LIKE '%jwt%' OR errorMessage LIKE '%token%' OR errorMessage LIKE '%unauthorized%')
+FACET errorMessage
+SINCE 1 hour ago
+
+
+-- ── SECTION 5: INFRASTRUCTURE (during test window) ───────────────────────
+
+-- 5.1 CPU utilization
+SELECT average(cpuPercent) AS 'CPU %'
+FROM SystemSample
+WHERE hostname LIKE '%hoaledgeriq%'
+SINCE 1 hour ago
+TIMESERIES 1 minute
+
+-- 5.2 Memory utilization
+SELECT average(memoryUsedPercent) AS 'Memory %'
+FROM SystemSample
+WHERE hostname LIKE '%hoaledgeriq%'
+SINCE 1 hour ago
+TIMESERIES 1 minute
+
+-- 5.3 Network I/O
+SELECT average(transmitBytesPerSecond) AS 'TX bytes/s',
+       average(receiveBytesPerSecond)  AS 'RX bytes/s'
+FROM NetworkSample
+WHERE hostname LIKE '%hoaledgeriq%'
+SINCE 1 hour ago
+TIMESERIES 1 minute
+
+
+-- ── SECTION 6: REDIS / BULLMQ ─────────────────────────────────────────────
+
+-- 6.1 External call latency (Redis)
+SELECT average(duration) AS 'avg ms', count(*) AS 'calls'
+FROM ExternalSegment
+WHERE appName = 'HOALedgerIQ_App'
+  AND (name LIKE '%redis%' OR host LIKE '%redis%')
+FACET name
+SINCE 1 hour ago
+
+-- 6.2 All external service latency
+SELECT average(duration) AS 'avg ms', count(*) AS 'calls'
+FROM ExternalSegment
+WHERE appName = 'HOALedgerIQ_App'
+FACET host
+SINCE 1 hour ago
+ORDER BY average(duration) DESC
+
+
+-- ── SECTION 7: BASELINE COMPARISON ───────────────────────────────────────
+
+-- 7.1 Compare this run vs last run (adjust SINCE/UNTIL for your windows)
+SELECT percentile(duration, 95) AS 'p95 this run'
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+FACET name
+SINCE '2025-01-01 10:00:00' UNTIL '2025-01-01 11:00:00'
+-- Run again with previous window dates to compare
+
+-- 7.2 Regression check – endpoints that crossed p95 threshold
+SELECT percentile(duration, 95) AS 'p95 ms'
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+  AND percentile(duration, 95) > 800   -- adjust to your staging threshold
+FACET name
+SINCE 1 hour ago
+
+
+-- ── SECTION 8: TENANT-AWARE ANALYSIS ──────────────────────────────────────
+
+-- 8.1 Performance by org (if orgId is in custom attributes)
+SELECT percentile(duration, 95) AS 'p95 ms', count(*) AS 'requests'
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+FACET custom.orgId
+SINCE 1 hour ago
+LIMIT 20
+
+-- 8.2 Transactions without orgId (potential TenantMiddleware misses)
+SELECT count(*)
+FROM Transaction
+WHERE appName = 'HOALedgerIQ_App'
+  AND custom.orgId IS NULL
+  AND name NOT LIKE '%auth/login%'
+  AND name NOT LIKE '%auth/register%'
+  AND name NOT LIKE '%health%'
+FACET name
+SINCE 1 hour ago
diff --git a/load-tests/user-pool.csv b/load-tests/user-pool.csv
new file mode 100644
index 0000000..847555a
--- /dev/null
+++ b/load-tests/user-pool.csv
@@ -0,0 +1,15 @@
+email,password,orgId,role
+treasurer01@loadtest.hoaledgeriq.com,LoadTest123!,org-001,treasurer
+treasurer02@loadtest.hoaledgeriq.com,LoadTest123!,org-002,treasurer
+treasurer03@loadtest.hoaledgeriq.com,LoadTest123!,org-003,treasurer
+admin01@loadtest.hoaledgeriq.com,LoadTest123!,org-001,admin
+admin02@loadtest.hoaledgeriq.com,LoadTest123!,org-002,admin
+president01@loadtest.hoaledgeriq.com,LoadTest123!,org-001,president
+president02@loadtest.hoaledgeriq.com,LoadTest123!,org-002,president
+manager01@loadtest.hoaledgeriq.com,LoadTest123!,org-003,manager
+manager02@loadtest.hoaledgeriq.com,LoadTest123!,org-004,manager
+viewer01@loadtest.hoaledgeriq.com,LoadTest123!,org-001,viewer
+viewer02@loadtest.hoaledgeriq.com,LoadTest123!,org-002,viewer
+homeowner01@loadtest.hoaledgeriq.com,LoadTest123!,org-001,homeowner
+homeowner02@loadtest.hoaledgeriq.com,LoadTest123!,org-002,homeowner
+member01@loadtest.hoaledgeriq.com,LoadTest123!,org-001,member_at_large