fix: resolve 5 invoice/payment issues from user feedback

- Replace misleading 'sent' status with 'pending' (no email capability)
- Show assessment group name instead of raw 'regular_assessment' type
- Add owner last name to invoice table
- Fix payment creation Internal Server Error (PostgreSQL $2 type cast)
- Add edit/delete capability for payment records with invoice recalc

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

backend/package-lock.json

@@ -1,12 +1,12 @@
 {
   "name": "hoa-ledgeriq-backend",
-  "version": "2026.03.10",
+  "version": "2026.3.2-beta",
   "lockfileVersion": 3,
   "requires": true,
   "packages": {
     "": {
       "name": "hoa-ledgeriq-backend",
-      "version": "2026.03.10",
+      "version": "2026.3.2-beta",
       "dependencies": {
         "@nestjs/common": "^10.4.15",
         "@nestjs/config": "^3.3.0",
@@ -16,12 +16,10 @@
         "@nestjs/platform-express": "^10.4.15",
         "@nestjs/schedule": "^6.1.1",
         "@nestjs/swagger": "^7.4.2",
-        "@nestjs/throttler": "^6.5.0",
         "@nestjs/typeorm": "^10.0.2",
         "bcryptjs": "^3.0.3",
         "class-transformer": "^0.5.1",
         "class-validator": "^0.14.1",
-        "helmet": "^8.1.0",
         "ioredis": "^5.4.2",
         "newrelic": "latest",
         "passport": "^0.7.0",
@@ -1793,17 +1791,6 @@
         }
       }
     },
-    "node_modules/@nestjs/throttler": {
-      "version": "6.5.0",
-      "resolved": "https://registry.npmjs.org/@nestjs/throttler/-/throttler-6.5.0.tgz",
-      "integrity": "sha512-9j0ZRfH0QE1qyrj9JjIRDz5gQLPqq9yVC2nHsrosDVAfI5HHw08/aUAWx9DZLSdQf4HDkmhTTEGLrRFHENvchQ==",
-      "license": "MIT",
-      "peerDependencies": {
-        "@nestjs/common": "^7.0.0 || ^8.0.0 || ^9.0.0 || ^10.0.0 || ^11.0.0",
-        "@nestjs/core": "^7.0.0 || ^8.0.0 || ^9.0.0 || ^10.0.0 || ^11.0.0",
-        "reflect-metadata": "^0.1.13 || ^0.2.0"
-      }
-    },
     "node_modules/@nestjs/typeorm": {
       "version": "10.0.2",
       "resolved": "https://registry.npmjs.org/@nestjs/typeorm/-/typeorm-10.0.2.tgz",
@@ -5290,15 +5277,6 @@
         "node": ">= 0.4"
       }
     },
-    "node_modules/helmet": {
-      "version": "8.1.0",
-      "resolved": "https://registry.npmjs.org/helmet/-/helmet-8.1.0.tgz",
-      "integrity": "sha512-jOiHyAZsmnr8LqoPGmCjYAaiuWwjAPLgY8ZX2XrmHawt99/u1y6RgrZMTeoPfpUbV96HOalYgz1qzkRbw54Pmg==",
-      "license": "MIT",
-      "engines": {
-        "node": ">=18.0.0"
-      }
-    },
     "node_modules/html-entities": {
       "version": "2.6.0",
       "resolved": "https://registry.npmjs.org/html-entities/-/html-entities-2.6.0.tgz",

backend/package.json

@@ -1,6 +1,6 @@
 {
   "name": "hoa-ledgeriq-backend",
-  "version": "2026.3.11",
+  "version": "2026.3.2-beta",
   "description": "HOA LedgerIQ - Backend API",
   "private": true,
   "scripts": {
@@ -25,14 +25,11 @@
     "@nestjs/platform-express": "^10.4.15",
     "@nestjs/schedule": "^6.1.1",
     "@nestjs/swagger": "^7.4.2",
-    "@nestjs/throttler": "^6.5.0",
     "@nestjs/typeorm": "^10.0.2",
     "bcryptjs": "^3.0.3",
     "class-transformer": "^0.5.1",
     "class-validator": "^0.14.1",
-    "helmet": "^8.1.0",
     "ioredis": "^5.4.2",
-    "newrelic": "latest",
     "passport": "^0.7.0",
     "passport-jwt": "^4.0.1",
     "passport-local": "^1.0.0",
@@ -40,6 +37,7 @@
     "reflect-metadata": "^0.2.2",
     "rxjs": "^7.8.1",
     "typeorm": "^0.3.20",
+    "newrelic": "latest",
     "uuid": "^9.0.1"
   },
   "devDependencies": {

backend/src/app.module.ts

@@ -2,7 +2,6 @@ import { Module, MiddlewareConsumer, NestModule } from '@nestjs/common';
 import { APP_GUARD } from '@nestjs/core';
 import { ConfigModule, ConfigService } from '@nestjs/config';
 import { TypeOrmModule } from '@nestjs/typeorm';
-import { ThrottlerModule } from '@nestjs/throttler';
 import { AppController } from './app.controller';
 import { DatabaseModule } from './database/database.module';
 import { TenantMiddleware } from './database/tenant.middleware';
@@ -53,10 +52,6 @@ import { ScheduleModule } from '@nestjs/schedule';
         },
       }),
     }),
-    ThrottlerModule.forRoot([{
-      ttl: 60000,   // 1-minute window
-      limit: 100,   // 100 requests per minute (global default)
-    }]),
     DatabaseModule,
     AuthModule,
     OrganizationsModule,

backend/src/database/tenant-schema.service.ts

@@ -330,8 +330,6 @@ export class TenantSchemaService {
         risk_notes JSONB,
         requested_by UUID,
         response_time_ms INTEGER,
-        status VARCHAR(20) DEFAULT 'complete',
-        error_message TEXT,
         created_at TIMESTAMPTZ DEFAULT NOW()
       )`,
 

backend/src/database/tenant.middleware.ts

@@ -13,8 +13,8 @@ export interface TenantRequest extends Request {
 
 @Injectable()
 export class TenantMiddleware implements NestMiddleware {
-  // In-memory cache for org info to avoid DB hit per request
-  private orgCache = new Map<string, { status: string; schemaName: string; cachedAt: number }>();
+  // In-memory cache for org status to avoid DB hit per request
+  private orgStatusCache = new Map<string, { status: string; cachedAt: number }>();
   private static readonly CACHE_TTL = 60_000; // 60 seconds
 
   constructor(
@@ -30,25 +30,23 @@ export class TenantMiddleware implements NestMiddleware {
         const token = authHeader.substring(7);
         const secret = this.configService.get<string>('JWT_SECRET');
         const decoded = jwt.verify(token, secret!) as any;
-        if (decoded?.orgId) {
-          // Look up org info (status + schema) from orgId with caching
-          const orgInfo = await this.getOrgInfo(decoded.orgId);
-          if (orgInfo) {
-            if (['suspended', 'archived'].includes(orgInfo.status)) {
+        if (decoded?.orgSchema) {
+          // Check if the org is still active (catches post-JWT suspension)
+          if (decoded.orgId) {
+            const status = await this.getOrgStatus(decoded.orgId);
+            if (status && ['suspended', 'archived'].includes(status)) {
               res.status(403).json({
                 statusCode: 403,
-                message: `This organization has been ${orgInfo.status}. Please contact your administrator.`,
+                message: `This organization has been ${status}. Please contact your administrator.`,
               });
               return;
             }
-            req.tenantSchema = orgInfo.schemaName;
           }
+
+          req.tenantSchema = decoded.orgSchema;
           req.orgId = decoded.orgId;
           req.userId = decoded.sub;
           req.userRole = decoded.role;
-        } else if (decoded?.sub) {
-          // Superadmin or user without org — still set userId
-          req.userId = decoded.sub;
         }
       } catch {
         // Token invalid or expired - let Passport handle the auth error
@@ -57,23 +55,19 @@ export class TenantMiddleware implements NestMiddleware {
     next();
   }
 
-  private async getOrgInfo(orgId: string): Promise<{ status: string; schemaName: string } | null> {
-    const cached = this.orgCache.get(orgId);
+  private async getOrgStatus(orgId: string): Promise<string | null> {
+    const cached = this.orgStatusCache.get(orgId);
     if (cached && Date.now() - cached.cachedAt < TenantMiddleware.CACHE_TTL) {
-      return { status: cached.status, schemaName: cached.schemaName };
+      return cached.status;
     }
     try {
       const result = await this.dataSource.query(
-        `SELECT status, schema_name as "schemaName" FROM shared.organizations WHERE id = $1`,
+        `SELECT status FROM shared.organizations WHERE id = $1`,
         [orgId],
       );
       if (result.length > 0) {
-        this.orgCache.set(orgId, {
-          status: result[0].status,
-          schemaName: result[0].schemaName,
-          cachedAt: Date.now(),
-        });
-        return { status: result[0].status, schemaName: result[0].schemaName };
+        this.orgStatusCache.set(orgId, { status: result[0].status, cachedAt: Date.now() });
+        return result[0].status;
       }
     } catch {
       // Non-critical — don't block requests on cache miss errors

backend/src/main.ts

@@ -3,7 +3,6 @@ import * as os from 'node:os';
 import { NestFactory } from '@nestjs/core';
 import { ValidationPipe } from '@nestjs/common';
 import { SwaggerModule, DocumentBuilder } from '@nestjs/swagger';
-import helmet from 'helmet';
 import { AppModule } from './app.module';
 
 const cluster = _cluster as any; // Cast to 'any' bypasses the missing property errors
@@ -42,24 +41,6 @@ async function bootstrap() {
 
   app.setGlobalPrefix('api');
 
-  // Security headers — Helmet sets CSP, X-Frame-Options, X-Content-Type-Options,
-  // Referrer-Policy, Permissions-Policy, and removes X-Powered-By
-  app.use(
-    helmet({
-      contentSecurityPolicy: {
-        directives: {
-          defaultSrc: ["'self'"],
-          scriptSrc: ["'self'", "'unsafe-inline'", 'https://chat.hoaledgeriq.com'],
-          connectSrc: ["'self'", 'https://chat.hoaledgeriq.com', 'wss://chat.hoaledgeriq.com'],
-          imgSrc: ["'self'", 'data:', 'https://chat.hoaledgeriq.com'],
-          styleSrc: ["'self'", "'unsafe-inline'"],
-          frameSrc: ["'self'", 'https://chat.hoaledgeriq.com'],
-          fontSrc: ["'self'", 'data:'],
-        },
-      },
-    }),
-  );
-
   // Request logging — only in development (too noisy / slow for prod)
   if (!isProduction) {
     app.use((req: any, _res: any, next: any) => {
@@ -82,17 +63,15 @@ async function bootstrap() {
     credentials: true,
   });
 
-  // Swagger docs — disabled in production to avoid exposing API surface
-  if (!isProduction) {
-    const config = new DocumentBuilder()
-      .setTitle('HOA LedgerIQ API')
-      .setDescription('API for the HOA LedgerIQ')
-      .setVersion('2026.3.11')
-      .addBearerAuth()
-      .build();
-    const document = SwaggerModule.createDocument(app, config);
-    SwaggerModule.setup('api/docs', app, document);
-  }
+  // Swagger docs — available in all environments
+  const config = new DocumentBuilder()
+    .setTitle('HOA LedgerIQ API')
+    .setDescription('API for the HOA LedgerIQ')
+    .setVersion('2026.3.2')
+    .addBearerAuth()
+    .build();
+  const document = SwaggerModule.createDocument(app, config);
+  SwaggerModule.setup('api/docs', app, document);
 
   await app.listen(3000);
   console.log(`Backend worker ${process.pid} listening on port 3000`);

backend/src/modules/auth/auth.controller.ts

@@ -9,7 +9,6 @@ import {
 } from '@nestjs/common';
 import { ApiTags, ApiOperation, ApiBearerAuth } from '@nestjs/swagger';
 import { AuthGuard } from '@nestjs/passport';
-import { Throttle } from '@nestjs/throttler';
 import { AuthService } from './auth.service';
 import { RegisterDto } from './dto/register.dto';
 import { LoginDto } from './dto/login.dto';
@@ -24,14 +23,12 @@ export class AuthController {
 
   @Post('register')
   @ApiOperation({ summary: 'Register a new user' })
-  @Throttle({ default: { limit: 5, ttl: 60000 } })
   async register(@Body() dto: RegisterDto) {
     return this.authService.register(dto);
   }
 
   @Post('login')
   @ApiOperation({ summary: 'Login with email and password' })
-  @Throttle({ default: { limit: 5, ttl: 60000 } })
   @UseGuards(AuthGuard('local'))
   async login(@Request() req: any, @Body() _dto: LoginDto) {
     const ip = req.headers['x-forwarded-for'] || req.ip;

backend/src/modules/auth/auth.service.ts

@@ -118,6 +118,7 @@ export class AuthService {
       sub: user.id,
       email: user.email,
       orgId: membership.organizationId,
+      orgSchema: membership.organization.schemaName,
       role: membership.role,
     };
 
@@ -176,6 +177,7 @@ export class AuthService {
 
     if (defaultOrg) {
       payload.orgId = defaultOrg.organizationId;
+      payload.orgSchema = defaultOrg.organization?.schemaName;
       payload.role = defaultOrg.role;
     }
 
@@ -193,6 +195,7 @@ export class AuthService {
       organizations: orgs.map((uo) => ({
         id: uo.organizationId,
         name: uo.organization?.name,
+        schemaName: uo.organization?.schemaName,
         status: uo.organization?.status,
         role: uo.role,
       })),

backend/src/modules/auth/strategies/jwt.strategy.ts

@@ -18,6 +18,7 @@ export class JwtStrategy extends PassportStrategy(Strategy) {
       sub: payload.sub,
       email: payload.email,
       orgId: payload.orgId,
+      orgSchema: payload.orgSchema,
       role: payload.role,
       isSuperadmin: payload.isSuperadmin || false,
       impersonatedBy: payload.impersonatedBy || null,

backend/src/modules/health-scores/health-scores.controller.ts

@@ -1,4 +1,4 @@
-import { Controller, Get, Post, UseGuards, Req, Logger } from '@nestjs/common';
+import { Controller, Get, Post, UseGuards, Req } from '@nestjs/common';
 import { ApiTags, ApiBearerAuth, ApiOperation } from '@nestjs/swagger';
 import { JwtAuthGuard } from '../auth/guards/jwt-auth.guard';
 import { AllowViewer } from '../../common/decorators/allow-viewer.decorator';
@@ -9,68 +9,42 @@ import { HealthScoresService } from './health-scores.service';
 @ApiBearerAuth()
 @UseGuards(JwtAuthGuard)
 export class HealthScoresController {
-  private readonly logger = new Logger(HealthScoresController.name);
-
   constructor(private service: HealthScoresService) {}
 
   @Get('latest')
   @ApiOperation({ summary: 'Get latest operating and reserve health scores' })
   getLatest(@Req() req: any) {
-    const schema = req.tenantSchema;
+    const schema = req.user?.orgSchema;
     return this.service.getLatestScores(schema);
   }
 
   @Post('calculate')
-  @ApiOperation({ summary: 'Trigger both health score recalculations (async — returns immediately)' })
+  @ApiOperation({ summary: 'Trigger both health score recalculations (used by scheduler)' })
   @AllowViewer()
   async calculate(@Req() req: any) {
-    const schema = req.tenantSchema;
-
-    // Fire-and-forget — background processing saves results to DB
-    Promise.all([
+    const schema = req.user?.orgSchema;
+    const [operating, reserve] = await Promise.all([
       this.service.calculateScore(schema, 'operating'),
       this.service.calculateScore(schema, 'reserve'),
-    ]).catch((err) => {
-      this.logger.error(`Background health score calculation failed: ${err.message}`);
-    });
-
-    return {
-      status: 'processing',
-      message: 'Health score calculations started. Results will appear when ready.',
-    };
+    ]);
+    return { operating, reserve };
   }
 
   @Post('calculate/operating')
-  @ApiOperation({ summary: 'Trigger operating fund health score recalculation (async)' })
+  @ApiOperation({ summary: 'Recalculate operating fund health score only' })
   @AllowViewer()
   async calculateOperating(@Req() req: any) {
-    const schema = req.tenantSchema;
-
-    // Fire-and-forget
-    this.service.calculateScore(schema, 'operating').catch((err) => {
-      this.logger.error(`Background operating score failed: ${err.message}`);
-    });
-
-    return {
-      status: 'processing',
-      message: 'Operating fund health score calculation started.',
-    };
+    const schema = req.user?.orgSchema;
+    const operating = await this.service.calculateScore(schema, 'operating');
+    return { operating };
   }
 
   @Post('calculate/reserve')
-  @ApiOperation({ summary: 'Trigger reserve fund health score recalculation (async)' })
+  @ApiOperation({ summary: 'Recalculate reserve fund health score only' })
   @AllowViewer()
   async calculateReserve(@Req() req: any) {
-    const schema = req.tenantSchema;
-
-    // Fire-and-forget
-    this.service.calculateScore(schema, 'reserve').catch((err) => {
-      this.logger.error(`Background reserve score failed: ${err.message}`);
-    });
-
-    return {
-      status: 'processing',
-      message: 'Reserve fund health score calculation started.',
-    };
+    const schema = req.user?.orgSchema;
+    const reserve = await this.service.calculateScore(schema, 'reserve');
+    return { reserve };
   }
 }

backend/src/modules/health-scores/health-scores.service.ts

@@ -220,14 +220,6 @@ export class HealthScoresService {
         missing.push(`No budget found for ${year}. Upload or create an annual budget.`);
       }
 
-      // Should have reserve components (warn but don't block)
-      const components = await qr.query(
-        `SELECT COUNT(*) as cnt FROM reserve_components`,
-      );
-      if (parseInt(components[0].cnt) === 0) {
-        missing.push('No reserve components found. Add reserve components (roof, parking, pool, etc.) with replacement costs for an accurate funded-ratio calculation.');
-      }
-
       // Should have capital projects (warn but don't block)
       const projects = await qr.query(
         `SELECT COUNT(*) as cnt FROM projects WHERE is_active = true`,
@@ -566,12 +558,10 @@ export class HealthScoresService {
         FROM reserve_components
         ORDER BY remaining_life_years ASC NULLS LAST
       `),
-      // Capital projects (include component-level fields for funded ratio when reserve_components is empty)
+      // Capital projects
       qr.query(`
-        SELECT name, estimated_cost, actual_cost, target_year, target_month, fund_source,
-          status, priority, current_fund_balance, funded_percentage,
-          category, useful_life_years, remaining_life_years, condition_rating,
-          annual_contribution
+        SELECT name, estimated_cost, target_year, target_month, fund_source,
+          status, priority, current_fund_balance, funded_percentage
         FROM projects
         WHERE is_active = true AND status IN ('planned', 'approved', 'in_progress')
         ORDER BY target_year, target_month NULLS LAST
@@ -606,19 +596,11 @@ export class HealthScoresService {
 
     const totalReserveFund = reserveCash + totalInvestments;
 
-    // Use reserve_components for funded ratio when available; fall back to
-    // reserve-funded projects (which carry the same estimated_cost / lifecycle
-    // fields that users actually populate on the Projects page).
-    const reserveProjects = projects.filter((p: any) => p.fund_source === 'reserve');
-    const useComponentsTable = reserveComponents.length > 0;
+    const totalReplacementCost = reserveComponents
+      .reduce((s: number, c: any) => s + parseFloat(c.replacement_cost || '0'), 0);
 
-    const totalReplacementCost = useComponentsTable
-      ? reserveComponents.reduce((s: number, c: any) => s + parseFloat(c.replacement_cost || '0'), 0)
-      : reserveProjects.reduce((s: number, p: any) => s + parseFloat(p.estimated_cost || '0'), 0);
-
-    const totalComponentFunded = useComponentsTable
-      ? reserveComponents.reduce((s: number, c: any) => s + parseFloat(c.current_fund_balance || '0'), 0)
-      : reserveProjects.reduce((s: number, p: any) => s + parseFloat(p.current_fund_balance || '0'), 0);
+    const totalComponentFunded = reserveComponents
+      .reduce((s: number, c: any) => s + parseFloat(c.current_fund_balance || '0'), 0);
 
     const percentFunded = totalReplacementCost > 0 ? (totalReserveFund / totalReplacementCost) * 100 : 0;
 
@@ -633,14 +615,10 @@ export class HealthScoresService {
       .filter((b: any) => b.account_type === 'expense')
       .reduce((s: number, b: any) => s + parseFloat(b.annual_total || '0'), 0);
 
-    // Components needing replacement within 5 years — use whichever source has data
-    const urgentComponents = useComponentsTable
-      ? reserveComponents.filter(
-          (c: any) => c.remaining_life_years !== null && parseFloat(c.remaining_life_years) <= 5,
-        )
-      : reserveProjects.filter(
-          (p: any) => p.remaining_life_years !== null && parseFloat(p.remaining_life_years) <= 5,
-        );
+    // Components needing replacement within 5 years
+    const urgentComponents = reserveComponents.filter(
+      (c: any) => c.remaining_life_years !== null && parseFloat(c.remaining_life_years) <= 5,
+    );
 
     // ── Build 12-month forward reserve cash flow projection ──
 
@@ -771,7 +749,6 @@ export class HealthScoresService {
       accounts,
       investments,
       reserveComponents,
-      reserveProjects,
       projects,
       budgets,
       assessments,
@@ -982,15 +959,13 @@ Provide 3-5 factors and 1-3 actionable recommendations. Be specific with dollar
           `- ${i.name} | ${i.investment_type} @ ${i.institution} | $${parseFloat(i.current_value || i.principal || '0').toFixed(2)} | Rate: ${parseFloat(i.interest_rate || '0').toFixed(2)}% | Maturity: ${i.maturity_date ? new Date(i.maturity_date).toLocaleDateString() : 'N/A'}`,
         ).join('\n');
 
-    // Build component lines from reserve_components if available, otherwise from reserve-funded projects
-    const componentSource = data.reserveComponents.length > 0 ? data.reserveComponents : data.reserveProjects;
-    const componentLines = componentSource.length === 0
-      ? 'No reserve components or reserve projects tracked.'
-      : componentSource.map((c: any) => {
-          const cost = parseFloat(c.replacement_cost || c.estimated_cost || '0');
+    const componentLines = data.reserveComponents.length === 0
+      ? 'No reserve components tracked.'
+      : data.reserveComponents.map((c: any) => {
+          const cost = parseFloat(c.replacement_cost || '0');
           const funded = parseFloat(c.current_fund_balance || '0');
           const pct = cost > 0 ? ((funded / cost) * 100).toFixed(0) : '0';
-          return `- ${c.name} [${c.category || 'N/A'}] | Life: ${c.useful_life_years || '?'}yr, Remaining: ${c.remaining_life_years || '?'}yr | Cost: $${cost.toFixed(0)} | Funded: $${funded.toFixed(0)} (${pct}%) | Condition: ${c.condition_rating || '?'}/10 | Annual Contribution: $${parseFloat(c.annual_contribution || '0').toFixed(0)}`;
+          return `- ${c.name} [${c.category}] | Life: ${c.useful_life_years}yr, Remaining: ${c.remaining_life_years}yr | Cost: $${cost.toFixed(0)} | Funded: $${funded.toFixed(0)} (${pct}%) | Condition: ${c.condition_rating}/10 | Annual Contribution: $${parseFloat(c.annual_contribution || '0').toFixed(0)}`;
         }).join('\n');
 
     const projectLines = data.projects.length === 0
@@ -1006,7 +981,7 @@ Provide 3-5 factors and 1-3 actionable recommendations. Be specific with dollar
     const urgentLines = data.urgentComponents.length === 0
       ? 'None — no components due within 5 years.'
       : data.urgentComponents.map((c: any) => {
-          const cost = parseFloat(c.replacement_cost || c.estimated_cost || '0');
+          const cost = parseFloat(c.replacement_cost || '0');
           const funded = parseFloat(c.current_fund_balance || '0');
           const gap = cost - funded;
           return `- ${c.name}: ${c.remaining_life_years} years remaining, $${gap.toFixed(0)} funding gap`;
@@ -1022,8 +997,8 @@ Reserve Cash (bank accounts): $${data.reserveCash.toFixed(2)}
 Reserve Investments: $${data.totalInvestments.toFixed(2)}
 Total Reserve Fund: $${data.totalReserveFund.toFixed(2)}
 
-Total Replacement Cost (all components): ${data.totalReplacementCost > 0 ? '$' + data.totalReplacementCost.toFixed(2) : '$0.00 (no reserve components entered — funded ratio cannot be calculated)'}
-Percent Funded: ${data.totalReplacementCost > 0 ? data.percentFunded.toFixed(1) + '%' : 'N/A — no reserve components with replacement costs have been entered. Do NOT report a 0% funded ratio; instead note that funded ratio is unavailable due to missing component data.'}
+Total Replacement Cost (all components): $${data.totalReplacementCost.toFixed(2)}
+Percent Funded: ${data.percentFunded.toFixed(1)}%
 
 Annual Reserve Contribution (budgeted income): $${data.annualReserveContribution.toFixed(2)}
 Annual Reserve Expenses (budgeted): $${data.annualReserveExpenses.toFixed(2)}
@@ -1140,7 +1115,7 @@ Projected Year-End Total (Cash + Investments): $${data.projectedYearEndTotal.toF
             'Content-Type': 'application/json',
             'Content-Length': Buffer.byteLength(bodyString, 'utf-8'),
           },
-          timeout: 600000, // 10 minute timeout
+          timeout: 120000,
         };
 
         const req = https.request(options, (res) => {
@@ -1154,7 +1129,7 @@ Projected Year-End Total (Cash + Investments): $${data.projectedYearEndTotal.toF
         req.on('error', (err) => reject(err));
         req.on('timeout', () => {
           req.destroy();
-          reject(new Error('Request timed out after 600s'));
+          reject(new Error('Request timed out after 120s'));
         });
 
         req.write(bodyString);

backend/src/modules/investment-planning/investment-planning.controller.ts

@@ -36,9 +36,9 @@ export class InvestmentPlanningController {
   }
 
   @Post('recommendations')
-  @ApiOperation({ summary: 'Trigger AI-powered investment recommendations (async — returns immediately)' })
+  @ApiOperation({ summary: 'Get AI-powered investment recommendations' })
   @AllowViewer()
-  triggerRecommendations(@Req() req: any) {
-    return this.service.triggerAIRecommendations(req.user?.sub, req.user?.orgId);
+  getRecommendations(@Req() req: any) {
+    return this.service.getAIRecommendations(req.user?.sub, req.user?.orgId);
   }
 }

backend/src/modules/investment-planning/investment-planning.service.ts

@@ -65,9 +65,6 @@ export interface SavedRecommendation {
   risk_notes: string[];
   response_time_ms: number;
   created_at: string;
-  status: 'processing' | 'complete' | 'error';
-  last_failed: boolean;
-  error_message?: string;
 }
 
 @Injectable()
@@ -199,33 +196,14 @@ export class InvestmentPlanningService {
     return rates.cd;
   }
 
-  /**
-   * Ensure the status/error_message columns exist (for tenants created before this migration).
-   */
-  private async ensureStatusColumn(): Promise<void> {
-    try {
-      await this.tenant.query(
-        `ALTER TABLE ai_recommendations ADD COLUMN IF NOT EXISTS status VARCHAR(20) DEFAULT 'complete'`,
-      );
-      await this.tenant.query(
-        `ALTER TABLE ai_recommendations ADD COLUMN IF NOT EXISTS error_message TEXT`,
-      );
-    } catch {
-      // Ignore — column may already exist or table may not exist
-    }
-  }
-
   /**
    * Get the latest saved AI recommendation for this tenant.
-   * Returns status and last_failed flag for UI state management.
    */
   async getSavedRecommendation(): Promise<SavedRecommendation | null> {
     try {
-      await this.ensureStatusColumn();
-
       const rows = await this.tenant.query(
         `SELECT id, recommendations_json, overall_assessment, risk_notes,
-                response_time_ms, status, error_message, created_at
+                response_time_ms, created_at
          FROM ai_recommendations
          ORDER BY created_at DESC
          LIMIT 1`,
@@ -234,64 +212,6 @@ export class InvestmentPlanningService {
       if (!rows || rows.length === 0) return null;
 
       const row = rows[0];
-      const status = row.status || 'complete';
-
-      // If still processing, return processing status
-      if (status === 'processing') {
-        return {
-          id: row.id,
-          recommendations: [],
-          overall_assessment: '',
-          risk_notes: [],
-          response_time_ms: 0,
-          created_at: row.created_at,
-          status: 'processing',
-          last_failed: false,
-        };
-      }
-
-      // If latest attempt failed, return the last successful result with last_failed flag
-      if (status === 'error') {
-        const lastGood = await this.tenant.query(
-          `SELECT id, recommendations_json, overall_assessment, risk_notes,
-                  response_time_ms, created_at
-           FROM ai_recommendations
-           WHERE status = 'complete'
-           ORDER BY created_at DESC
-           LIMIT 1`,
-        );
-
-        if (lastGood?.length) {
-          const goodRow = lastGood[0];
-          const recData = goodRow.recommendations_json || {};
-          return {
-            id: goodRow.id,
-            recommendations: recData.recommendations || [],
-            overall_assessment: goodRow.overall_assessment || recData.overall_assessment || '',
-            risk_notes: goodRow.risk_notes || recData.risk_notes || [],
-            response_time_ms: goodRow.response_time_ms || 0,
-            created_at: goodRow.created_at,
-            status: 'complete',
-            last_failed: true,
-            error_message: row.error_message,
-          };
-        }
-
-        // No previous good result — return error state
-        return {
-          id: row.id,
-          recommendations: [],
-          overall_assessment: row.error_message || 'AI analysis failed. Please try again.',
-          risk_notes: [],
-          response_time_ms: 0,
-          created_at: row.created_at,
-          status: 'error',
-          last_failed: true,
-          error_message: row.error_message,
-        };
-      }
-
-      // Complete — return the data normally
       const recData = row.recommendations_json || {};
       return {
         id: row.id,
@@ -300,8 +220,6 @@ export class InvestmentPlanningService {
         risk_notes: row.risk_notes || recData.risk_notes || [],
         response_time_ms: row.response_time_ms || 0,
         created_at: row.created_at,
-        status: 'complete',
-        last_failed: false,
       };
     } catch (err: any) {
       // Table might not exist yet (pre-migration tenants)
@@ -310,153 +228,15 @@ export class InvestmentPlanningService {
     }
   }
 
-  /**
-   * Save a 'processing' placeholder record and return its ID.
-   */
-  private async saveProcessingRecord(userId?: string): Promise<string> {
-    await this.ensureStatusColumn();
-    const rows = await this.tenant.query(
-      `INSERT INTO ai_recommendations
-       (recommendations_json, overall_assessment, risk_notes, requested_by, status)
-       VALUES ('{}', '', '[]', $1, 'processing')
-       RETURNING id`,
-      [userId || null],
-    );
-    return rows[0].id;
-  }
-
-  /**
-   * Update a processing record with completed results.
-   */
-  private async updateRecommendationComplete(
-    jobId: string,
-    aiResponse: AIResponse,
-    userId: string | undefined,
-    elapsed: number,
-  ): Promise<void> {
-    try {
-      await this.tenant.query(
-        `UPDATE ai_recommendations
-         SET recommendations_json = $1,
-             overall_assessment = $2,
-             risk_notes = $3,
-             response_time_ms = $4,
-             status = 'complete'
-         WHERE id = $5`,
-        [
-          JSON.stringify(aiResponse),
-          aiResponse.overall_assessment || '',
-          JSON.stringify(aiResponse.risk_notes || []),
-          elapsed,
-          jobId,
-        ],
-      );
-    } catch (err: any) {
-      this.logger.warn(`Could not update recommendation ${jobId}: ${err.message}`);
-    }
-  }
-
-  /**
-   * Update a processing record with error status.
-   */
-  private async updateRecommendationError(jobId: string, errorMessage: string): Promise<void> {
-    try {
-      await this.tenant.query(
-        `UPDATE ai_recommendations
-         SET status = 'error',
-             error_message = $1
-         WHERE id = $2`,
-        [errorMessage, jobId],
-      );
-    } catch (err: any) {
-      this.logger.warn(`Could not update recommendation error ${jobId}: ${err.message}`);
-    }
-  }
-
-  /**
-   * Trigger AI recommendations asynchronously.
-   * Saves a 'processing' record, starts the AI work in the background, and returns immediately.
-   * The TenantService instance remains alive via closure reference for the duration of the background work.
-   */
-  async triggerAIRecommendations(userId?: string, orgId?: string): Promise<{ status: string; message: string }> {
-    const jobId = await this.saveProcessingRecord(userId);
-    this.logger.log(`AI recommendation triggered (job ${jobId}), starting background processing...`);
-
-    // Fire-and-forget — the Promise keeps this service instance (and TenantService) alive
-    this.runBackgroundRecommendations(jobId, userId, orgId).catch((err) => {
-      this.logger.error(`Background AI recommendation failed (job ${jobId}): ${err.message}`);
-    });
-
-    return {
-      status: 'processing',
-      message: 'AI analysis has been started. You can navigate away safely — results will appear when ready.',
-    };
-  }
-
-  /**
-   * Run the full AI recommendation pipeline in the background.
-   */
-  private async runBackgroundRecommendations(jobId: string, userId?: string, orgId?: string): Promise<void> {
-    try {
-      const startTime = Date.now();
-
-      const [snapshot, allRates, monthlyForecast] = await Promise.all([
-        this.getFinancialSnapshot(),
-        this.getMarketRates(),
-        this.getMonthlyForecast(),
-      ]);
-
-      this.debug('background_snapshot_summary', {
-        job_id: jobId,
-        operating_cash: snapshot.summary.operating_cash,
-        reserve_cash: snapshot.summary.reserve_cash,
-        total_all: snapshot.summary.total_all,
-        investment_accounts: snapshot.investment_accounts.length,
-      });
-
-      const messages = this.buildPromptMessages(snapshot, allRates, monthlyForecast);
-      const aiResponse = await this.callAI(messages);
-      const elapsed = Date.now() - startTime;
-
-      this.debug('background_final_response', {
-        job_id: jobId,
-        recommendation_count: aiResponse.recommendations.length,
-        has_assessment: !!aiResponse.overall_assessment,
-        elapsed_ms: elapsed,
-      });
-
-      // Check if the AI returned a graceful error (empty recommendations with error message)
-      const isGracefulError = aiResponse.recommendations.length === 0 &&
-        (aiResponse.overall_assessment?.includes('Unable to generate') ||
-         aiResponse.overall_assessment?.includes('invalid response'));
-
-      if (isGracefulError) {
-        await this.updateRecommendationError(jobId, aiResponse.overall_assessment);
-      } else {
-        await this.updateRecommendationComplete(jobId, aiResponse, userId, elapsed);
-      }
-
-      // Log AI usage (fire-and-forget)
-      this.logAIUsage(userId, orgId, aiResponse, elapsed).catch(() => {});
-
-      this.logger.log(`Background AI recommendation completed (job ${jobId}) in ${elapsed}ms`);
-    } catch (err: any) {
-      this.logger.error(`Background AI recommendation error (job ${jobId}): ${err.message}`);
-      await this.updateRecommendationError(jobId, err.message);
-    }
-  }
-
   /**
    * Save AI recommendation result to tenant schema.
-   * @deprecated Use triggerAIRecommendations() for async flow instead
    */
   private async saveRecommendation(aiResponse: AIResponse, userId: string | undefined, elapsed: number): Promise<void> {
     try {
-      await this.ensureStatusColumn();
       await this.tenant.query(
         `INSERT INTO ai_recommendations
-         (recommendations_json, overall_assessment, risk_notes, requested_by, response_time_ms, status)
-         VALUES ($1, $2, $3, $4, $5, 'complete')`,
+         (recommendations_json, overall_assessment, risk_notes, requested_by, response_time_ms)
+         VALUES ($1, $2, $3, $4, $5)`,
         [
           JSON.stringify(aiResponse),
           aiResponse.overall_assessment || '',
@@ -1093,7 +873,7 @@ Based on this complete financial picture INCLUDING the 12-month cash flow foreca
             'Content-Type': 'application/json',
             'Content-Length': Buffer.byteLength(bodyString, 'utf-8'),
           },
-          timeout: 600000, // 10 minute timeout
+          timeout: 300000, // 5 minute timeout
         };
 
         const req = https.request(options, (res) => {
@@ -1107,7 +887,7 @@ Based on this complete financial picture INCLUDING the 12-month cash flow foreca
         req.on('error', (err) => reject(err));
         req.on('timeout', () => {
           req.destroy();
-          reject(new Error(`Request timed out after 600s`));
+          reject(new Error(`Request timed out after 300s`));
         });
 
         req.write(bodyString);

backend/src/modules/journal-entries/journal-entries.service.ts

@@ -13,16 +13,6 @@ export class JournalEntriesService {
   async findAll(filters: { from?: string; to?: string; accountId?: string; type?: string }) {
     let sql = `
       SELECT je.*,
-        CASE
-          WHEN SUM(CASE WHEN a.account_type IN ('income','expense') THEN 1 ELSE 0 END) > 0
-          THEN COALESCE(SUM(CASE WHEN a.account_type IN ('income','expense') THEN jel.debit ELSE 0 END), 0)
-          ELSE COALESCE(SUM(jel.debit), 0)
-        END as total_debit,
-        CASE
-          WHEN SUM(CASE WHEN a.account_type IN ('income','expense') THEN 1 ELSE 0 END) > 0
-          THEN COALESCE(SUM(CASE WHEN a.account_type IN ('income','expense') THEN jel.credit ELSE 0 END), 0)
-          ELSE COALESCE(SUM(jel.credit), 0)
-        END as total_credit,
         json_agg(json_build_object(
           'id', jel.id, 'account_id', jel.account_id,
           'debit', jel.debit, 'credit', jel.credit, 'memo', jel.memo,

backend/src/modules/organizations/organizations.service.ts

@@ -153,14 +153,6 @@ export class OrganizationsService {
         existing.role = data.role;
         return this.userOrgRepository.save(existing);
       }
-      // Update password for existing user being added to a new org
-      if (data.password) {
-        const passwordHash = await bcrypt.hash(data.password, 12);
-        await dataSource.query(
-          `UPDATE shared.users SET password_hash = $1 WHERE id = $2`,
-          [passwordHash, userId],
-        );
-      }
     } else {
       // Create new user
       const passwordHash = await bcrypt.hash(data.password, 12);

frontend/index.html

@@ -9,34 +9,5 @@
   <body>
     <div id="root"></div>
     <script type="module" src="/src/main.tsx"></script>
-    <script>
-      (function(d,t) {
-        var BASE_URL="https://chat.hoaledgeriq.com";
-        var g=d.createElement(t),s=d.getElementsByTagName(t)[0];
-        g.src=BASE_URL+"/packs/js/sdk.js";
-        g.async=true;
-        s.parentNode.insertBefore(g,s);
-        g.onload=function(){
-          window.chatwootSDK.run({
-            websiteToken:'K6VXvTtKXvaCMvre4yK85SPb',
-            baseUrl:BASE_URL
-          })
-        }
-      })(document,"script");
-      window.addEventListener('chatwoot:ready', function() {
-        try {
-          var raw = localStorage.getItem('ledgeriq-auth');
-          if (!raw) return;
-          var auth = JSON.parse(raw);
-          var user = auth && auth.state && auth.state.user;
-          if (user && window.$chatwoot) {
-            window.$chatwoot.setUser(user.id, {
-              name: (user.firstName || '') + ' ' + (user.lastName || ''),
-              email: user.email
-            });
-          }
-        } catch (e) {}
-      });
-    </script>
   </body>
 </html>

frontend/package-lock.json

@@ -1,12 +1,12 @@
 {
   "name": "hoa-ledgeriq-frontend",
-  "version": "2026.03.10",
+  "version": "2026.3.2-beta",
   "lockfileVersion": 3,
   "requires": true,
   "packages": {
     "": {
       "name": "hoa-ledgeriq-frontend",
-      "version": "2026.03.10",
+      "version": "2026.3.2-beta",
       "dependencies": {
         "@mantine/core": "^7.15.3",
         "@mantine/dates": "^7.15.3",

frontend/package.json

@@ -1,6 +1,6 @@
 {
   "name": "hoa-ledgeriq-frontend",
-  "version": "2026.3.11",
+  "version": "2026.3.2-beta",
   "private": true,
   "type": "module",
   "scripts": {

frontend/src/components/layout/AppLayout.tsx

@@ -1,5 +1,5 @@
 import { useState, useEffect } from 'react';
-import { AppShell, Burger, Group, Text, Menu, UnstyledButton, Avatar, Alert, Button, ActionIcon, Tooltip } from '@mantine/core';
+import { AppShell, Burger, Group, Text, Menu, UnstyledButton, Avatar, Alert, Button } from '@mantine/core';
 import { useDisclosure } from '@mantine/hooks';
 import {
   IconLogout,
@@ -9,12 +9,9 @@ import {
   IconUserCog,
   IconUsersGroup,
   IconEyeOff,
-  IconSun,
-  IconMoon,
 } from '@tabler/icons-react';
 import { Outlet, useNavigate, useLocation } from 'react-router-dom';
 import { useAuthStore } from '../../stores/authStore';
-import { usePreferencesStore } from '../../stores/preferencesStore';
 import { Sidebar } from './Sidebar';
 import { AppTour } from '../onboarding/AppTour';
 import { OnboardingWizard } from '../onboarding/OnboardingWizard';
@@ -23,7 +20,6 @@ import logoSrc from '../../assets/logo.svg';
 export function AppLayout() {
   const [opened, { toggle, close }] = useDisclosure();
   const { user, currentOrg, logout, impersonationOriginal, stopImpersonation } = useAuthStore();
-  const { colorScheme, toggleColorScheme } = usePreferencesStore();
   const navigate = useNavigate();
   const location = useLocation();
   const isImpersonating = !!impersonationOriginal;
@@ -112,16 +108,6 @@ export function AppLayout() {
             {currentOrg && (
               <Text size="sm" c="dimmed">{currentOrg.name}</Text>
             )}
-            <Tooltip label={colorScheme === 'dark' ? 'Light mode' : 'Dark mode'}>
-              <ActionIcon
-                variant="default"
-                size="lg"
-                onClick={toggleColorScheme}
-                aria-label="Toggle color scheme"
-              >
-                {colorScheme === 'dark' ? <IconSun size={18} /> : <IconMoon size={18} />}
-              </ActionIcon>
-            </Tooltip>
             <Menu shadow="md" width={220}>
               <Menu.Target>
                 <UnstyledButton>

frontend/src/main.tsx

@@ -10,7 +10,6 @@ import '@mantine/dates/styles.css';
 import '@mantine/notifications/styles.css';
 import { App } from './App';
 import { theme } from './theme/theme';
-import { usePreferencesStore } from './stores/preferencesStore';
 
 const queryClient = new QueryClient({
   defaultOptions: {
@@ -22,11 +21,9 @@ const queryClient = new QueryClient({
   },
 });
 
-function Root() {
-  const colorScheme = usePreferencesStore((s) => s.colorScheme);
-
-  return (
-    <MantineProvider theme={theme} forceColorScheme={colorScheme}>
+ReactDOM.createRoot(document.getElementById('root')!).render(
+  <React.StrictMode>
+    <MantineProvider theme={theme}>
       <Notifications position="top-right" />
       <ModalsProvider>
         <QueryClientProvider client={queryClient}>
@@ -36,11 +33,5 @@ function Root() {
         </QueryClientProvider>
       </ModalsProvider>
     </MantineProvider>
-  );
-}
-
-ReactDOM.createRoot(document.getElementById('root')!).render(
-  <React.StrictMode>
-    <Root />
   </React.StrictMode>,
 );

frontend/src/pages/auth/SelectOrgPage.tsx

@@ -120,6 +120,11 @@ export function SelectOrgPage() {
                   <Text fw={500}>{org.name}</Text>
                   <Group gap={4}>
                     <Badge size="sm" variant="light">{org.role}</Badge>
+                    {org.schemaName && (
+                      <Badge size="xs" variant="dot" color="gray">
+                        {org.schemaName}
+                      </Badge>
+                    )}
                   </Group>
                 </div>
               </Group>

frontend/src/pages/budgets/BudgetsPage.tsx

@@ -4,11 +4,10 @@ import {
   Select, Loader, Center, Badge, Card, Alert,
 } from '@mantine/core';
 import { notifications } from '@mantine/notifications';
-import { IconDeviceFloppy, IconUpload, IconDownload, IconInfoCircle, IconPencil, IconX } from '@tabler/icons-react';
+import { IconDeviceFloppy, IconUpload, IconDownload, IconInfoCircle } from '@tabler/icons-react';
 import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
 import api from '../../services/api';
 import { useIsReadOnly } from '../../stores/authStore';
-import { usePreferencesStore } from '../../stores/preferencesStore';
 
 interface BudgetLine {
   account_id: string;
@@ -96,20 +95,9 @@ function parseCSV(text: string): Record<string, string>[] {
 export function BudgetsPage() {
   const [year, setYear] = useState(new Date().getFullYear().toString());
   const [budgetData, setBudgetData] = useState<BudgetLine[]>([]);
-  const [isEditing, setIsEditing] = useState(false);
   const queryClient = useQueryClient();
   const fileInputRef = useRef<HTMLInputElement>(null);
   const isReadOnly = useIsReadOnly();
-  const isDark = usePreferencesStore((s) => s.colorScheme) === 'dark';
-  const stickyBg = isDark ? 'var(--mantine-color-dark-7)' : 'white';
-  const stickyBorder = isDark ? 'var(--mantine-color-dark-4)' : '#e9ecef';
-  const incomeSectionBg = isDark ? 'var(--mantine-color-green-9)' : '#e6f9e6';
-  const expenseSectionBg = isDark ? 'var(--mantine-color-red-9)' : '#fde8e8';
-
-  // Budget exists when there is data loaded for the selected year
-  const hasBudget = budgetData.length > 0;
-  // Cells are editable only when editing an existing budget or creating a new one (no data yet)
-  const cellsEditable = !isReadOnly && (isEditing || !hasBudget);
 
   const { isLoading } = useQuery<BudgetLine[]>({
     queryKey: ['budgets', year],
@@ -118,27 +106,25 @@ export function BudgetsPage() {
       // Hydrate each line: ensure numbers and compute annual_total
       const hydrated = (data as any[]).map(hydrateBudgetLine);
       setBudgetData(hydrated);
-      setIsEditing(false); // Reset to view mode when year changes or data reloads
       return hydrated;
     },
   });
 
   const saveMutation = useMutation({
     mutationFn: async () => {
-      const payload = budgetData
+      const lines = budgetData
         .filter((b) => months.some((m) => (b as any)[m] > 0))
         .map((b) => ({
-          accountId: b.account_id,
-          fundType: b.fund_type,
+          account_id: b.account_id,
+          fund_type: b.fund_type,
           jan: b.jan, feb: b.feb, mar: b.mar, apr: b.apr,
           may: b.may, jun: b.jun, jul: b.jul, aug: b.aug,
-          sep: b.sep, oct: b.oct, nov: b.nov, dec: b.dec_amt,
+          sep: b.sep, oct: b.oct, nov: b.nov, dec_amt: b.dec_amt,
         }));
-      return api.put(`/budgets/${year}`, payload);
+      return api.put(`/budgets/${year}`, { lines });
     },
     onSuccess: () => {
       queryClient.invalidateQueries({ queryKey: ['budgets', year] });
-      setIsEditing(false);
       notifications.show({ message: 'Budget saved', color: 'green' });
     },
     onError: (err: any) => {
@@ -235,12 +221,6 @@ export function BudgetsPage() {
     event.target.value = '';
   };
 
-  const handleCancelEdit = () => {
-    setIsEditing(false);
-    // Re-fetch to discard unsaved changes
-    queryClient.invalidateQueries({ queryKey: ['budgets', year] });
-  };
-
   const updateCell = (idx: number, month: string, value: number) => {
     const updated = [...budgetData];
     (updated[idx] as any)[month] = value || 0;
@@ -295,35 +275,9 @@ export function BudgetsPage() {
               accept=".csv,.txt"
               onChange={handleFileChange}
             />
-            {hasBudget && !isEditing ? (
-              <Button
-                variant="outline"
-                leftSection={<IconPencil size={16} />}
-                onClick={() => setIsEditing(true)}
-              >
-                Edit Budget
-              </Button>
-            ) : (
-              <>
-                {isEditing && (
-                  <Button
-                    variant="outline"
-                    color="gray"
-                    leftSection={<IconX size={16} />}
-                    onClick={handleCancelEdit}
-                  >
-                    Cancel
-                  </Button>
-                )}
-                <Button
-                  leftSection={<IconDeviceFloppy size={16} />}
-                  onClick={() => saveMutation.mutate()}
-                  loading={saveMutation.isPending}
-                >
-                  Save Budget
-                </Button>
-              </>
-            )}
+            <Button leftSection={<IconDeviceFloppy size={16} />} onClick={() => saveMutation.mutate()} loading={saveMutation.isPending}>
+              Save Budget
+            </Button>
           </>)}
         </Group>
       </Group>
@@ -363,8 +317,8 @@ export function BudgetsPage() {
         <Table striped highlightOnHover style={{ minWidth: 1600 }}>
           <Table.Thead>
             <Table.Tr>
-              <Table.Th style={{ position: 'sticky', left: 0, background: stickyBg, zIndex: 2, minWidth: 120 }}>Acct #</Table.Th>
-              <Table.Th style={{ position: 'sticky', left: 120, background: stickyBg, zIndex: 2, minWidth: 220 }}>Account Name</Table.Th>
+              <Table.Th style={{ position: 'sticky', left: 0, background: 'white', zIndex: 2, minWidth: 120 }}>Acct #</Table.Th>
+              <Table.Th style={{ position: 'sticky', left: 120, background: 'white', zIndex: 2, minWidth: 220 }}>Account Name</Table.Th>
               {monthLabels.map((m) => (
                 <Table.Th key={m} ta="right" style={{ minWidth: 90 }}>{m}</Table.Th>
               ))}
@@ -383,7 +337,7 @@ export function BudgetsPage() {
               const lines = budgetData.filter((b) => b.account_type === type);
               if (lines.length === 0) return null;
 
-              const sectionBg = type === 'income' ? incomeSectionBg : expenseSectionBg;
+              const sectionBg = type === 'income' ? '#e6f9e6' : '#fde8e8';
               const sectionTotal = lines.reduce((sum, line) => sum + (line.annual_total || 0), 0);
 
               return [
@@ -414,9 +368,9 @@ export function BudgetsPage() {
                         style={{
                           position: 'sticky',
                           left: 0,
-                          background: stickyBg,
+                          background: 'white',
                           zIndex: 1,
-                          borderRight: `1px solid ${stickyBorder}`,
+                          borderRight: '1px solid #e9ecef',
                         }}
                       >
                         <Text size="sm" c="dimmed" ff="monospace">{line.account_number}</Text>
@@ -425,9 +379,9 @@ export function BudgetsPage() {
                         style={{
                           position: 'sticky',
                           left: 120,
-                          background: stickyBg,
+                          background: 'white',
                           zIndex: 1,
-                          borderRight: `1px solid ${stickyBorder}`,
+                          borderRight: '1px solid #e9ecef',
                         }}
                       >
                         <Group gap={6} wrap="nowrap">
@@ -437,21 +391,16 @@ export function BudgetsPage() {
                       </Table.Td>
                       {months.map((m) => (
                         <Table.Td key={m} p={2}>
-                          {cellsEditable ? (
-                            <NumberInput
-                              value={(line as any)[m] || 0}
-                              onChange={(v) => updateCell(idx, m, Number(v) || 0)}
-                              size="xs"
-                              hideControls
-                              decimalScale={2}
-                              min={0}
-                              styles={{ input: { textAlign: 'right', fontFamily: 'monospace' } }}
-                            />
-                          ) : (
-                            <Text size="sm" ta="right" ff="monospace">
-                              {fmt((line as any)[m] || 0)}
-                            </Text>
-                          )}
+                          <NumberInput
+                            value={(line as any)[m] || 0}
+                            onChange={(v) => updateCell(idx, m, Number(v) || 0)}
+                            size="xs"
+                            hideControls
+                            decimalScale={2}
+                            min={0}
+                            disabled={isReadOnly}
+                            styles={{ input: { textAlign: 'right', fontFamily: 'monospace' } }}
+                          />
                         </Table.Td>
                       ))}
                       <Table.Td ta="right" fw={500} ff="monospace">

frontend/src/pages/cash-flow/CashFlowForecastPage.tsx

@@ -8,7 +8,6 @@ import {
   IconArrowLeft, IconArrowRight, IconCalendar,
 } from '@tabler/icons-react';
 import { useQuery } from '@tanstack/react-query';
-import { usePreferencesStore } from '../../stores/preferencesStore';
 import {
   AreaChart, Area, XAxis, YAxis, CartesianGrid,
   Tooltip as RechartsTooltip, ResponsiveContainer, Legend,
@@ -80,7 +79,6 @@ export function CashFlowForecastPage() {
   const now = new Date();
   const currentYear = now.getFullYear();
   const currentMonth = now.getMonth() + 1;
-  const isDark = usePreferencesStore((s) => s.colorScheme) === 'dark';
 
   // Filter: All, Operating, Reserve
   const [fundFilter, setFundFilter] = useState<string>('all');
@@ -420,10 +418,10 @@ export function CashFlowForecastPage() {
                   <tr
                     key={d.month}
                     style={{
-                      borderBottom: `1px solid ${isDark ? 'var(--mantine-color-dark-4)' : 'var(--mantine-color-gray-2)'}`,
+                      borderBottom: '1px solid var(--mantine-color-gray-2)',
                       backgroundColor: d.is_forecast
-                        ? (isDark ? 'var(--mantine-color-orange-9)' : 'var(--mantine-color-orange-0)')
-                        : i % 2 === 0 ? 'transparent' : (isDark ? 'var(--mantine-color-dark-5)' : 'var(--mantine-color-gray-0)'),
+                        ? 'var(--mantine-color-orange-0)'
+                        : i % 2 === 0 ? 'transparent' : 'var(--mantine-color-gray-0)',
                     }}
                   >
                     <td style={{ padding: '6px 12px', fontWeight: 500 }}>{d.month}</td>

frontend/src/pages/dashboard/DashboardPage.tsx

@@ -16,8 +16,8 @@ import {
   IconRefresh,
   IconInfoCircle,
 } from '@tabler/icons-react';
-import { useState, useCallback } from 'react';
-import { useQuery, useQueryClient } from '@tanstack/react-query';
+import { useState } from 'react';
+import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
 import { useAuthStore } from '../../stores/authStore';
 import api from '../../services/api';
 
@@ -313,9 +313,9 @@ export function DashboardPage() {
   const currentOrg = useAuthStore((s) => s.currentOrg);
   const queryClient = useQueryClient();
 
-  // Track whether a refresh is in progress (per score type) for async polling
-  const [operatingRefreshing, setOperatingRefreshing] = useState(false);
-  const [reserveRefreshing, setReserveRefreshing] = useState(false);
+  // Track whether last refresh attempt failed (per score type)
+  const [operatingFailed, setOperatingFailed] = useState(false);
+  const [reserveFailed, setReserveFailed] = useState(false);
 
   const { data, isLoading } = useQuery<DashboardData>({
     queryKey: ['dashboard'],
@@ -327,66 +327,33 @@ export function DashboardPage() {
     queryKey: ['health-scores'],
     queryFn: async () => { const { data } = await api.get('/health-scores/latest'); return data; },
     enabled: !!currentOrg,
-    // Poll every 3 seconds while a refresh is in progress
-    refetchInterval: (operatingRefreshing || reserveRefreshing) ? 3000 : false,
   });
 
-  // Async refresh handlers — trigger the backend and poll for results
-  const handleRefreshOperating = useCallback(async () => {
-    const prevId = healthScores?.operating?.id;
-    setOperatingRefreshing(true);
-    try {
-      await api.post('/health-scores/calculate/operating');
-    } catch {
-      // Trigger failed at network level — polling will pick up any backend-saved error
-    }
-    // Start polling — watch for the health score to change (new id or updated timestamp)
-    const pollUntilDone = () => {
-      const checkInterval = setInterval(async () => {
-        try {
-          const { data: latest } = await api.get('/health-scores/latest');
-          const newScore = latest?.operating;
-          if (newScore && newScore.id !== prevId) {
-            setOperatingRefreshing(false);
-            queryClient.setQueryData(['health-scores'], latest);
-            clearInterval(checkInterval);
-          }
-        } catch {
-          // Keep polling
-        }
-      }, 3000);
-      // Safety timeout — stop polling after 11 minutes
-      setTimeout(() => { clearInterval(checkInterval); setOperatingRefreshing(false); }, 660000);
-    };
-    pollUntilDone();
-  }, [healthScores?.operating?.id, queryClient]);
+  // Separate mutations for each score type
+  const recalcOperatingMutation = useMutation({
+    mutationFn: () => api.post('/health-scores/calculate/operating'),
+    onSuccess: () => {
+      setOperatingFailed(false);
+      queryClient.invalidateQueries({ queryKey: ['health-scores'] });
+    },
+    onError: () => {
+      setOperatingFailed(true);
+      // Still refresh to get whatever the backend saved (could be cached data)
+      queryClient.invalidateQueries({ queryKey: ['health-scores'] });
+    },
+  });
 
-  const handleRefreshReserve = useCallback(async () => {
-    const prevId = healthScores?.reserve?.id;
-    setReserveRefreshing(true);
-    try {
-      await api.post('/health-scores/calculate/reserve');
-    } catch {
-      // Trigger failed at network level
-    }
-    const pollUntilDone = () => {
-      const checkInterval = setInterval(async () => {
-        try {
-          const { data: latest } = await api.get('/health-scores/latest');
-          const newScore = latest?.reserve;
-          if (newScore && newScore.id !== prevId) {
-            setReserveRefreshing(false);
-            queryClient.setQueryData(['health-scores'], latest);
-            clearInterval(checkInterval);
-          }
-        } catch {
-          // Keep polling
-        }
-      }, 3000);
-      setTimeout(() => { clearInterval(checkInterval); setReserveRefreshing(false); }, 660000);
-    };
-    pollUntilDone();
-  }, [healthScores?.reserve?.id, queryClient]);
+  const recalcReserveMutation = useMutation({
+    mutationFn: () => api.post('/health-scores/calculate/reserve'),
+    onSuccess: () => {
+      setReserveFailed(false);
+      queryClient.invalidateQueries({ queryKey: ['health-scores'] });
+    },
+    onError: () => {
+      setReserveFailed(true);
+      queryClient.invalidateQueries({ queryKey: ['health-scores'] });
+    },
+  });
 
   const fmt = (v: string | number) =>
     parseFloat(String(v || '0')).toLocaleString('en-US', { style: 'currency', currency: 'USD' });
@@ -414,6 +381,7 @@ export function DashboardPage() {
         <Center h={200}><Loader /></Center>
       ) : (
         <>
+          <Text size="sm" fw={600} c="dimmed">AI Health Scores</Text>
           <SimpleGrid cols={{ base: 1, md: 2 }}>
             <HealthScoreCard
               score={healthScores?.operating || null}
@@ -423,9 +391,9 @@ export function DashboardPage() {
                   <IconHeartbeat size={20} />
                 </ThemeIcon>
               }
-              isRefreshing={operatingRefreshing}
-              onRefresh={handleRefreshOperating}
-              lastFailed={!!healthScores?.operating_last_failed}
+              isRefreshing={recalcOperatingMutation.isPending}
+              onRefresh={() => recalcOperatingMutation.mutate()}
+              lastFailed={operatingFailed || !!healthScores?.operating_last_failed}
             />
             <HealthScoreCard
               score={healthScores?.reserve || null}
@@ -435,9 +403,9 @@ export function DashboardPage() {
                   <IconHeartbeat size={20} />
                 </ThemeIcon>
               }
-              isRefreshing={reserveRefreshing}
-              onRefresh={handleRefreshReserve}
-              lastFailed={!!healthScores?.reserve_last_failed}
+              isRefreshing={recalcReserveMutation.isPending}
+              onRefresh={() => recalcReserveMutation.mutate()}
+              lastFailed={reserveFailed || !!healthScores?.reserve_last_failed}
             />
           </SimpleGrid>
 

frontend/src/pages/investment-planning/InvestmentPlanningPage.tsx

@@ -1,4 +1,4 @@
-import { useState, useEffect, useCallback } from 'react';
+import { useState, useEffect } from 'react';
 import {
   Title,
   Text,
@@ -33,7 +33,7 @@ import {
   IconChevronDown,
   IconChevronUp,
 } from '@tabler/icons-react';
-import { useQuery } from '@tanstack/react-query';
+import { useQuery, useMutation } from '@tanstack/react-query';
 import { notifications } from '@mantine/notifications';
 import api from '../../services/api';
 
@@ -107,9 +107,6 @@ interface SavedRecommendation {
   risk_notes: string[];
   response_time_ms: number;
   created_at: string;
-  status: 'processing' | 'complete' | 'error';
-  last_failed: boolean;
-  error_message?: string;
 }
 
 // ── Helpers ──
@@ -184,29 +181,14 @@ function RateTable({ rates, showTerm }: { rates: MarketRate[]; showTerm: boolean
 
 // ── Recommendations Display Component ──
 
-function RecommendationsDisplay({
-  aiResult,
-  lastUpdated,
-  lastFailed,
-}: {
-  aiResult: AIResponse;
-  lastUpdated?: string;
-  lastFailed?: boolean;
-}) {
+function RecommendationsDisplay({ aiResult, lastUpdated }: { aiResult: AIResponse; lastUpdated?: string }) {
   return (
     <Stack>
-      {/* Last Updated timestamp + failure message */}
+      {/* Last Updated timestamp */}
       {lastUpdated && (
-        <Stack gap={0} align="flex-end">
-          <Text size="xs" c="dimmed" ta="right">
-            Last updated: {new Date(lastUpdated).toLocaleString()}
-          </Text>
-          {lastFailed && (
-            <Text size="10px" c="orange" fw={500} style={{ opacity: 0.85 }}>
-              last analysis failed — showing cached data
-            </Text>
-          )}
-        </Stack>
+        <Text size="xs" c="dimmed" ta="right">
+          Last updated: {new Date(lastUpdated).toLocaleString()}
+        </Text>
       )}
 
       {/* Overall Assessment */}
@@ -345,8 +327,9 @@ function RecommendationsDisplay({
 // ── Main Component ──
 
 export function InvestmentPlanningPage() {
+  const [aiResult, setAiResult] = useState<AIResponse | null>(null);
+  const [lastUpdated, setLastUpdated] = useState<string | null>(null);
   const [ratesExpanded, setRatesExpanded] = useState(true);
-  const [isTriggering, setIsTriggering] = useState(false);
 
   // Load financial snapshot on mount
   const { data: snapshot, isLoading: snapshotLoading } = useQuery<FinancialSnapshot>({
@@ -366,86 +349,50 @@ export function InvestmentPlanningPage() {
     },
   });
 
-  // Load saved recommendation — polls every 3s when processing
+  // Load saved recommendation on mount
   const { data: savedRec } = useQuery<SavedRecommendation | null>({
     queryKey: ['investment-planning-saved-recommendation'],
     queryFn: async () => {
       const { data } = await api.get('/investment-planning/saved-recommendation');
       return data;
     },
-    refetchInterval: (query) => {
-      const rec = query.state.data;
-      // Poll every 3 seconds while processing
-      if (rec?.status === 'processing') return 3000;
-      // Also poll if we just triggered (status may not be 'processing' yet)
-      if (isTriggering) return 3000;
-      return false;
-    },
   });
 
-  // Derive display state from saved recommendation
-  const isProcessing = savedRec?.status === 'processing' || isTriggering;
-  const lastFailed = savedRec?.last_failed || false;
-  const hasResults = savedRec && savedRec.status === 'complete' && savedRec.recommendations.length > 0;
-  const hasError = savedRec?.status === 'error' && !savedRec?.recommendations?.length;
-
-  // Clear triggering flag once backend confirms processing or completes
+  // Populate AI results from saved recommendation on load
   useEffect(() => {
-    if (isTriggering && savedRec?.status === 'processing') {
-      setIsTriggering(false);
-    }
-    if (isTriggering && savedRec?.status === 'complete') {
-      setIsTriggering(false);
-    }
-  }, [savedRec?.status, isTriggering]);
-
-  // Show notification when processing completes (transition from processing)
-  const prevStatusRef = useState<string | null>(null);
-  useEffect(() => {
-    const [prevStatus, setPrevStatus] = prevStatusRef;
-    if (prevStatus === 'processing' && savedRec?.status === 'complete') {
-      notifications.show({
-        message: `Generated ${savedRec.recommendations.length} investment recommendations`,
-        color: 'green',
+    if (savedRec && !aiResult) {
+      setAiResult({
+        recommendations: savedRec.recommendations,
+        overall_assessment: savedRec.overall_assessment,
+        risk_notes: savedRec.risk_notes,
       });
+      setLastUpdated(savedRec.created_at);
     }
-    if (prevStatus === 'processing' && savedRec?.status === 'error') {
-      notifications.show({
-        message: savedRec.error_message || 'AI recommendation analysis failed',
-        color: 'red',
-      });
-    }
-    setPrevStatus(savedRec?.status || null);
-  }, [savedRec?.status]); // eslint-disable-line react-hooks/exhaustive-deps
+  }, [savedRec]); // eslint-disable-line react-hooks/exhaustive-deps
 
-  // Trigger AI recommendations (async — returns immediately)
-  const handleTriggerAI = useCallback(async () => {
-    setIsTriggering(true);
-    try {
-      await api.post('/investment-planning/recommendations');
-    } catch (err: any) {
-      setIsTriggering(false);
-      notifications.show({
-        message: err.response?.data?.message || 'Failed to start AI analysis',
-        color: 'red',
-      });
-    }
-  }, []);
-
-  // Build AI result from saved recommendation for display
-  const aiResult: AIResponse | null = hasResults
-    ? {
-        recommendations: savedRec!.recommendations,
-        overall_assessment: savedRec!.overall_assessment,
-        risk_notes: savedRec!.risk_notes,
+  // AI recommendation (on-demand)
+  const aiMutation = useMutation({
+    mutationFn: async () => {
+      const { data } = await api.post('/investment-planning/recommendations', {}, { timeout: 300000 });
+      return data as AIResponse;
+    },
+    onSuccess: (data) => {
+      setAiResult(data);
+      setLastUpdated(new Date().toISOString());
+      if (data.recommendations.length > 0) {
+        notifications.show({
+          message: `Generated ${data.recommendations.length} investment recommendations`,
+          color: 'green',
+        });
       }
-    : (lastFailed && savedRec?.recommendations?.length)
-      ? {
-          recommendations: savedRec!.recommendations,
-          overall_assessment: savedRec!.overall_assessment,
-          risk_notes: savedRec!.risk_notes,
-        }
-      : null;
+    },
+    onError: (err: any) => {
+      notifications.show({
+        message: err.response?.data?.message || 'Failed to get AI recommendations',
+        color: 'red',
+      });
+    },
+  });
 
   if (snapshotLoading) {
     return (
@@ -698,8 +645,8 @@ export function InvestmentPlanningPage() {
           </Group>
           <Button
             leftSection={<IconSparkles size={16} />}
-            onClick={handleTriggerAI}
-            loading={isProcessing}
+            onClick={() => aiMutation.mutate()}
+            loading={aiMutation.isPending}
             variant="gradient"
             gradient={{ from: 'grape', to: 'violet' }}
           >
@@ -707,8 +654,8 @@ export function InvestmentPlanningPage() {
           </Button>
         </Group>
 
-        {/* Processing State */}
-        {isProcessing && (
+        {/* Loading State */}
+        {aiMutation.isPending && (
           <Center py="xl">
             <Stack align="center" gap="sm">
               <Loader size="lg" type="dots" />
@@ -716,32 +663,19 @@ export function InvestmentPlanningPage() {
                 Analyzing your financial data and market rates...
               </Text>
               <Text c="dimmed" size="xs">
-                You can navigate away — results will appear when ready
+                This may take a few minutes for complex tenant data
               </Text>
             </Stack>
           </Center>
         )}
 
-        {/* Error State (no cached data) */}
-        {hasError && !isProcessing && (
-          <Alert color="red" variant="light" title="Analysis Failed" mb="md">
-            <Text size="sm">
-              {savedRec?.error_message || 'The last AI analysis failed. Please try again.'}
-            </Text>
-          </Alert>
-        )}
-
-        {/* Results (with optional failure watermark) */}
-        {aiResult && !isProcessing && (
-          <RecommendationsDisplay
-            aiResult={aiResult}
-            lastUpdated={savedRec?.created_at || undefined}
-            lastFailed={lastFailed}
-          />
+        {/* Results */}
+        {aiResult && !aiMutation.isPending && (
+          <RecommendationsDisplay aiResult={aiResult} lastUpdated={lastUpdated || undefined} />
         )}
 
         {/* Empty State */}
-        {!aiResult && !isProcessing && !hasError && (
+        {!aiResult && !aiMutation.isPending && (
           <Paper p="xl" radius="sm" style={{ textAlign: 'center' }}>
             <ThemeIcon variant="light" color="grape" size={48} mx="auto" mb="md">
               <IconSparkles size={28} />

frontend/src/pages/monthly-actuals/MonthlyActualsPage.tsx

@@ -10,7 +10,6 @@ import {
 import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
 import api from '../../services/api';
 import { useIsReadOnly } from '../../stores/authStore';
-import { usePreferencesStore } from '../../stores/preferencesStore';
 import { AttachmentPanel } from '../../components/attachments/AttachmentPanel';
 
 interface ActualLine {
@@ -67,11 +66,6 @@ export function MonthlyActualsPage() {
   const [savedJEId, setSavedJEId] = useState<string | null>(null);
   const queryClient = useQueryClient();
   const isReadOnly = useIsReadOnly();
-  const isDark = usePreferencesStore((s) => s.colorScheme) === 'dark';
-  const stickyBg = isDark ? 'var(--mantine-color-dark-7)' : 'white';
-  const stickyBorder = isDark ? 'var(--mantine-color-dark-4)' : '#e9ecef';
-  const incomeBg = isDark ? 'var(--mantine-color-green-9)' : '#e6f9e6';
-  const expenseBg = isDark ? 'var(--mantine-color-red-9)' : '#fde8e8';
 
   const yearOptions = Array.from({ length: 5 }, (_, i) => {
     const y = new Date().getFullYear() - 2 + i;
@@ -184,16 +178,16 @@ export function MonthlyActualsPage() {
           <Table.Tr key={line.account_id}>
             <Table.Td
               style={{
-                position: 'sticky', left: 0, background: stickyBg, zIndex: 1,
-                borderRight: `1px solid ${stickyBorder}`,
+                position: 'sticky', left: 0, background: 'white', zIndex: 1,
+                borderRight: '1px solid #e9ecef',
               }}
             >
               <Text size="sm" c="dimmed" ff="monospace">{line.account_number}</Text>
             </Table.Td>
             <Table.Td
               style={{
-                position: 'sticky', left: 120, background: stickyBg, zIndex: 1,
-                borderRight: `1px solid ${stickyBorder}`,
+                position: 'sticky', left: 120, background: 'white', zIndex: 1,
+                borderRight: '1px solid #e9ecef',
               }}
             >
               <Group gap={6} wrap="nowrap">
@@ -298,10 +292,10 @@ export function MonthlyActualsPage() {
         <Table striped highlightOnHover style={{ minWidth: 700 }}>
           <Table.Thead>
             <Table.Tr>
-              <Table.Th style={{ position: 'sticky', left: 0, background: stickyBg, zIndex: 2, minWidth: 120 }}>
+              <Table.Th style={{ position: 'sticky', left: 0, background: 'white', zIndex: 2, minWidth: 120 }}>
                 Acct #
               </Table.Th>
-              <Table.Th style={{ position: 'sticky', left: 120, background: stickyBg, zIndex: 2, minWidth: 220 }}>
+              <Table.Th style={{ position: 'sticky', left: 120, background: 'white', zIndex: 2, minWidth: 220 }}>
                 Account Name
               </Table.Th>
               <Table.Th ta="right" style={{ minWidth: 110 }}>Budget</Table.Th>
@@ -310,8 +304,8 @@ export function MonthlyActualsPage() {
             </Table.Tr>
           </Table.Thead>
           <Table.Tbody>
-            {renderSection('Income', incomeLines, incomeBg, totals.incomeBudget, totals.incomeActual)}
-            {renderSection('Expenses', expenseLines, expenseBg, totals.expenseBudget, totals.expenseActual)}
+            {renderSection('Income', incomeLines, '#e6f9e6', totals.incomeBudget, totals.incomeActual)}
+            {renderSection('Expenses', expenseLines, '#fde8e8', totals.expenseBudget, totals.expenseActual)}
           </Table.Tbody>
         </Table>
       </div>

frontend/src/pages/preferences/UserPreferencesPage.tsx

@@ -6,11 +6,9 @@ import {
   IconUser, IconPalette, IconClock, IconBell, IconEye,
 } from '@tabler/icons-react';
 import { useAuthStore } from '../../stores/authStore';
-import { usePreferencesStore } from '../../stores/preferencesStore';
 
 export function UserPreferencesPage() {
   const { user, currentOrg } = useAuthStore();
-  const { colorScheme, toggleColorScheme } = usePreferencesStore();
 
   return (
     <Stack>
@@ -68,10 +66,7 @@ export function UserPreferencesPage() {
                 <Text size="sm">Dark Mode</Text>
                 <Text size="xs" c="dimmed">Switch to dark color theme</Text>
               </div>
-              <Switch
-                checked={colorScheme === 'dark'}
-                onChange={toggleColorScheme}
-              />
+              <Switch disabled />
             </Group>
             <Group justify="space-between">
               <div>
@@ -81,7 +76,7 @@ export function UserPreferencesPage() {
               <Switch disabled />
             </Group>
             <Divider />
-            <Text size="xs" c="dimmed" ta="center">More display preferences coming in a future release</Text>
+            <Text size="xs" c="dimmed" ta="center">Display preferences coming in a future release</Text>
           </Stack>
         </Card>
 

frontend/src/pages/reports/BudgetVsActualPage.tsx

@@ -5,7 +5,6 @@ import {
 } from '@mantine/core';
 import { useQuery } from '@tanstack/react-query';
 import api from '../../services/api';
-import { usePreferencesStore } from '../../stores/preferencesStore';
 
 interface BudgetVsActualLine {
   account_id: string;
@@ -47,9 +46,6 @@ const monthFilterOptions = [
 export function BudgetVsActualPage() {
   const [year, setYear] = useState(new Date().getFullYear().toString());
   const [month, setMonth] = useState('');
-  const isDark = usePreferencesStore((s) => s.colorScheme) === 'dark';
-  const incomeBg = isDark ? 'var(--mantine-color-green-9)' : '#e6f9e6';
-  const expenseBg = isDark ? 'var(--mantine-color-red-9)' : '#fde8e8';
 
   const yearOptions = Array.from({ length: 5 }, (_, i) => {
     const y = new Date().getFullYear() - 2 + i;
@@ -96,7 +92,7 @@ export function BudgetVsActualPage() {
 
   const renderSection = (title: string, sectionLines: BudgetVsActualLine[], isExpense: boolean, totalBudget: number, totalActual: number) => (
     <>
-      <Table.Tr style={{ background: isExpense ? expenseBg : incomeBg }}>
+      <Table.Tr style={{ background: isExpense ? '#fde8e8' : '#e6f9e6' }}>
         <Table.Td colSpan={6} fw={700}>{title}</Table.Td>
       </Table.Tr>
       {sectionLines.map((line) => {

frontend/src/pages/reports/QuarterlyReportPage.tsx

@@ -8,7 +8,6 @@ import {
   IconTrendingUp, IconTrendingDown, IconAlertTriangle, IconChartBar,
 } from '@tabler/icons-react';
 import api from '../../services/api';
-import { usePreferencesStore } from '../../stores/preferencesStore';
 
 interface BudgetVsActualItem {
   account_id: string;
@@ -49,9 +48,6 @@ export function QuarterlyReportPage() {
   const currentQuarter = Math.ceil((now.getMonth() + 1) / 3);
   const defaultQuarter = currentQuarter;
   const defaultYear = now.getFullYear();
-  const isDark = usePreferencesStore((s) => s.colorScheme) === 'dark';
-  const incomeBg = isDark ? 'var(--mantine-color-green-9)' : '#e6f9e6';
-  const expenseBg = isDark ? 'var(--mantine-color-red-9)' : '#fde8e8';
 
   const [year, setYear] = useState(String(defaultYear));
   const [quarter, setQuarter] = useState(String(defaultQuarter));
@@ -211,7 +207,7 @@ export function QuarterlyReportPage() {
               </Table.Thead>
               <Table.Tbody>
                 {incomeItems.length > 0 && (
-                  <Table.Tr style={{ background: incomeBg }}>
+                  <Table.Tr style={{ background: '#e6f9e6' }}>
                     <Table.Td colSpan={8} fw={700}>Income</Table.Td>
                   </Table.Tr>
                 )}
@@ -219,7 +215,7 @@ export function QuarterlyReportPage() {
                   <BVARow key={item.account_id} item={item} isExpense={false} />
                 ))}
                 {incomeItems.length > 0 && (
-                  <Table.Tr style={{ background: incomeBg }}>
+                  <Table.Tr style={{ background: '#e6f9e6' }}>
                     <Table.Td colSpan={2} fw={700}>Total Income</Table.Td>
                     <Table.Td ta="right" fw={700} ff="monospace">{fmt(incomeItems.reduce((s, i) => s + i.quarter_budget, 0))}</Table.Td>
                     <Table.Td ta="right" fw={700} ff="monospace">{fmt(incomeItems.reduce((s, i) => s + i.quarter_actual, 0))}</Table.Td>
@@ -230,7 +226,7 @@ export function QuarterlyReportPage() {
                   </Table.Tr>
                 )}
                 {expenseItems.length > 0 && (
-                  <Table.Tr style={{ background: expenseBg }}>
+                  <Table.Tr style={{ background: '#fde8e8' }}>
                     <Table.Td colSpan={8} fw={700}>Expenses</Table.Td>
                   </Table.Tr>
                 )}
@@ -238,7 +234,7 @@ export function QuarterlyReportPage() {
                   <BVARow key={item.account_id} item={item} isExpense={true} />
                 ))}
                 {expenseItems.length > 0 && (
-                  <Table.Tr style={{ background: expenseBg }}>
+                  <Table.Tr style={{ background: '#fde8e8' }}>
                     <Table.Td colSpan={2} fw={700}>Total Expenses</Table.Td>
                     <Table.Td ta="right" fw={700} ff="monospace">{fmt(expenseItems.reduce((s, i) => s + i.quarter_budget, 0))}</Table.Td>
                     <Table.Td ta="right" fw={700} ff="monospace">{fmt(expenseItems.reduce((s, i) => s + i.quarter_actual, 0))}</Table.Td>

frontend/src/pages/settings/SettingsPage.tsx

@@ -38,6 +38,10 @@ export function SettingsPage() {
               <Text size="sm" c="dimmed">Your Role</Text>
               <Badge variant="light">{currentOrg?.role || 'N/A'}</Badge>
             </Group>
+            <Group justify="space-between">
+              <Text size="sm" c="dimmed">Schema</Text>
+              <Text size="sm" ff="monospace" c="dimmed">{currentOrg?.schemaName || 'N/A'}</Text>
+            </Group>
           </Stack>
         </Card>
 
@@ -113,7 +117,7 @@ export function SettingsPage() {
             </Group>
             <Group justify="space-between">
               <Text size="sm" c="dimmed">Version</Text>
-              <Badge variant="light">2026.03.10</Badge>
+              <Badge variant="light">2026.3.2 (beta)</Badge>
             </Group>
             <Group justify="space-between">
               <Text size="sm" c="dimmed">API</Text>

frontend/src/stores/authStore.ts

@@ -5,6 +5,7 @@ interface Organization {
   id: string;
   name: string;
   role: string;
+  schemaName?: string;
   status?: string;
   settings?: Record<string, any>;
 }

frontend/src/stores/preferencesStore.ts

@@ -1,26 +0,0 @@
-import { create } from 'zustand';
-import { persist } from 'zustand/middleware';
-
-type ColorScheme = 'light' | 'dark';
-
-interface PreferencesState {
-  colorScheme: ColorScheme;
-  toggleColorScheme: () => void;
-  setColorScheme: (scheme: ColorScheme) => void;
-}
-
-export const usePreferencesStore = create<PreferencesState>()(
-  persist(
-    (set) => ({
-      colorScheme: 'light',
-      toggleColorScheme: () =>
-        set((state) => ({
-          colorScheme: state.colorScheme === 'light' ? 'dark' : 'light',
-        })),
-      setColorScheme: (scheme) => set({ colorScheme: scheme }),
-    }),
-    {
-      name: 'ledgeriq-preferences',
-    },
-  ),
-);

nginx/default.conf

@@ -23,8 +23,21 @@ server {
         proxy_cache_bypass $http_upgrade;
     }
 
-    # AI endpoints now return immediately (async processing in background)
-    # No special timeout needed — kept for documentation purposes
+    # AI recommendation endpoint needs a longer timeout (up to 3 minutes)
+    location /api/investment-planning/recommendations {
+        proxy_pass http://backend;
+        proxy_http_version 1.1;
+        proxy_set_header Upgrade $http_upgrade;
+        proxy_set_header Connection 'upgrade';
+        proxy_set_header Host $host;
+        proxy_set_header X-Real-IP $remote_addr;
+        proxy_set_header X-Forwarded-For $proxy_add_x_forwarded_for;
+        proxy_set_header X-Forwarded-Proto $scheme;
+        proxy_cache_bypass $http_upgrade;
+        proxy_read_timeout 180s;
+        proxy_connect_timeout 10s;
+        proxy_send_timeout 30s;
+    }
 
     # Everything else -> Vite dev server (frontend)
     location / {

nginx/host-production.conf

@@ -74,8 +74,20 @@ server {
         proxy_send_timeout 15s;
     }
 
-    # AI endpoints now return immediately (async processing in background)
-    # No special timeout overrides needed
+    # AI endpoints — longer timeouts (LLM calls can take minutes)
+    location /api/investment-planning/recommendations {
+        proxy_pass http://127.0.0.1:3000;
+        proxy_read_timeout 300s;
+        proxy_connect_timeout 10s;
+        proxy_send_timeout 30s;
+    }
+
+    location /api/health-scores/calculate {
+        proxy_pass http://127.0.0.1:3000;
+        proxy_read_timeout 180s;
+        proxy_connect_timeout 10s;
+        proxy_send_timeout 30s;
+    }
 
     # --- Frontend → React SPA served by nginx (port 3001) ---
     location / {

nginx/production.conf

@@ -40,8 +40,20 @@ server {
         proxy_send_timeout 15s;
     }
 
-    # AI endpoints now return immediately (async processing in background)
-    # No special timeout overrides needed
+    # AI endpoints → longer timeouts
+    location /api/investment-planning/recommendations {
+        proxy_pass http://backend;
+        proxy_read_timeout 180s;
+        proxy_connect_timeout 10s;
+        proxy_send_timeout 30s;
+    }
+
+    location /api/health-scores/calculate {
+        proxy_pass http://backend;
+        proxy_read_timeout 180s;
+        proxy_connect_timeout 10s;
+        proxy_send_timeout 30s;
+    }
 
     # --- Static frontend → built React assets ---
     location / {

nginx/ssl.conf

@@ -60,8 +60,37 @@ server {
         proxy_cache_bypass $http_upgrade;
     }
 
-    # AI endpoints now return immediately (async processing in background)
-    # No special timeout overrides needed
+    # AI recommendation endpoint needs a longer timeout (up to 3 minutes)
+    location /api/investment-planning/recommendations {
+        proxy_pass http://backend;
+        proxy_http_version 1.1;
+        proxy_set_header Upgrade $http_upgrade;
+        proxy_set_header Connection 'upgrade';
+        proxy_set_header Host $host;
+        proxy_set_header X-Real-IP $remote_addr;
+        proxy_set_header X-Forwarded-For $proxy_add_x_forwarded_for;
+        proxy_set_header X-Forwarded-Proto $scheme;
+        proxy_cache_bypass $http_upgrade;
+        proxy_read_timeout 180s;
+        proxy_connect_timeout 10s;
+        proxy_send_timeout 30s;
+    }
+
+    # AI health-score endpoint also needs a longer timeout
+    location /api/health-scores/calculate {
+        proxy_pass http://backend;
+        proxy_http_version 1.1;
+        proxy_set_header Upgrade $http_upgrade;
+        proxy_set_header Connection 'upgrade';
+        proxy_set_header Host $host;
+        proxy_set_header X-Real-IP $remote_addr;
+        proxy_set_header X-Forwarded-For $proxy_add_x_forwarded_for;
+        proxy_set_header X-Forwarded-Proto $scheme;
+        proxy_cache_bypass $http_upgrade;
+        proxy_read_timeout 180s;
+        proxy_connect_timeout 10s;
+        proxy_send_timeout 30s;
+    }
 
     # Everything else -> Vite dev server (frontend)
     location / {

scripts/reset-password.sh

@@ -1,150 +0,0 @@
-#!/usr/bin/env bash
-# ---------------------------------------------------------------------------
-# reset-password.sh — Reset a user's password in HOA LedgerIQ
-#
-# Usage:
-#   ./scripts/reset-password.sh <email> <new-password>
-#
-# Examples:
-#   ./scripts/reset-password.sh admin@hoaledgeriq.com MyNewPassword123
-#   ./scripts/reset-password.sh admin@sunrisevalley.org SecurePass!
-# ---------------------------------------------------------------------------
-
-set -euo pipefail
-
-# ---- Defaults ----
-SCRIPT_DIR="$(cd "$(dirname "$0")" && pwd)"
-PROJECT_DIR="$(cd "$SCRIPT_DIR/.." && pwd)"
-DB_USER="${POSTGRES_USER:-hoafinance}"
-DB_NAME="${POSTGRES_DB:-hoafinance}"
-COMPOSE_CMD="docker compose"
-
-# If running with the SSL override, detect it
-if [ -f "$PROJECT_DIR/docker-compose.ssl.yml" ] && \
-   docker compose -f "$PROJECT_DIR/docker-compose.yml" \
-                  -f "$PROJECT_DIR/docker-compose.ssl.yml" ps --quiet 2>/dev/null | head -1 | grep -q .; then
-  COMPOSE_CMD="docker compose -f $PROJECT_DIR/docker-compose.yml -f $PROJECT_DIR/docker-compose.ssl.yml"
-fi
-
-# ---- Colors ----
-RED='\033[0;31m'; GREEN='\033[0;32m'; YELLOW='\033[1;33m'; CYAN='\033[0;36m'; NC='\033[0m'
-
-info()  { echo -e "${CYAN}[INFO]${NC}  $*"; }
-ok()    { echo -e "${GREEN}[OK]${NC}    $*"; }
-warn()  { echo -e "${YELLOW}[WARN]${NC}  $*"; }
-err()   { echo -e "${RED}[ERROR]${NC} $*" >&2; }
-die()   { err "$@"; exit 1; }
-
-# ---- Helpers ----
-
-ensure_containers_running() {
-  if ! $COMPOSE_CMD ps postgres 2>/dev/null | grep -q "running\|Up"; then
-    die "PostgreSQL container is not running. Start it with: docker compose up -d postgres"
-  fi
-  if ! $COMPOSE_CMD ps backend 2>/dev/null | grep -q "running\|Up"; then
-    die "Backend container is not running. Start it with: docker compose up -d backend"
-  fi
-}
-
-# ---- CLI ----
-
-usage() {
-  cat <<EOF
-HOA LedgerIQ Password Reset
-
-Usage:
-  $(basename "$0") <email> <new-password>
-
-Examples:
-  $(basename "$0") admin@hoaledgeriq.com MyNewPassword123
-  $(basename "$0") admin@sunrisevalley.org SecurePass!
-
-This script:
-  1. Verifies the user exists in the database
-  2. Generates a bcrypt hash using bcryptjs (same library the app uses)
-  3. Updates the password in the database
-  4. Verifies the new hash works
-
-EOF
-  exit 0
-}
-
-# Parse args
-case "${1:-}" in
-  -h|--help|help|"") usage ;;
-esac
-
-[ $# -lt 2 ] && die "Usage: $(basename "$0") <email> <new-password>"
-
-EMAIL="$1"
-NEW_PASSWORD="$2"
-
-# Load .env if present
-if [ -f "$PROJECT_DIR/.env" ]; then
-  set -a
-  # shellcheck disable=SC1091
-  source "$PROJECT_DIR/.env"
-  set +a
-  DB_USER="${POSTGRES_USER:-hoafinance}"
-  DB_NAME="${POSTGRES_DB:-hoafinance}"
-fi
-
-# Ensure containers are running
-info "Checking containers ..."
-ensure_containers_running
-
-# Verify user exists
-info "Looking up user: ${EMAIL} ..."
-USER_RECORD=$($COMPOSE_CMD exec -T postgres psql -U "$DB_USER" -d "$DB_NAME" \
-  -t -A -c "SELECT id, email, first_name, last_name, is_superadmin FROM shared.users WHERE email = '${EMAIL}';" 2>/dev/null)
-
-if [ -z "$USER_RECORD" ]; then
-  die "No user found with email: ${EMAIL}"
-fi
-
-# Parse user info for display
-IFS='|' read -r USER_ID USER_EMAIL FIRST_NAME LAST_NAME IS_SUPER <<< "$USER_RECORD"
-info "Found user: ${FIRST_NAME} ${LAST_NAME} (${USER_EMAIL})"
-if [ "$IS_SUPER" = "t" ]; then
-  warn "This is a superadmin account"
-fi
-
-# Generate bcrypt hash using bcryptjs inside the backend container
-info "Generating bcrypt hash ..."
-HASH=$($COMPOSE_CMD exec -T backend node -e "
-  const bcrypt = require('bcryptjs');
-  bcrypt.hash(process.argv[1], 12).then(h => process.stdout.write(h));
-" "$NEW_PASSWORD" 2>/dev/null)
-
-if [ -z "$HASH" ] || [ ${#HASH} -lt 50 ]; then
-  die "Failed to generate bcrypt hash. Is the backend container running?"
-fi
-
-# Update the password using a heredoc to avoid shell escaping issues with $ in hashes
-info "Updating password ..."
-UPDATE_RESULT=$($COMPOSE_CMD exec -T postgres psql -U "$DB_USER" -d "$DB_NAME" -t -A <<EOSQL
-UPDATE shared.users SET password_hash = '${HASH}', updated_at = NOW() WHERE email = '${EMAIL}';
-EOSQL
-)
-
-if [[ "$UPDATE_RESULT" != *"UPDATE 1"* ]]; then
-  die "Password update failed. Result: ${UPDATE_RESULT}"
-fi
-
-# Verify the new hash works
-info "Verifying new password ..."
-VERIFY=$($COMPOSE_CMD exec -T backend node -e "
-  const bcrypt = require('bcryptjs');
-  bcrypt.compare(process.argv[1], process.argv[2]).then(r => process.stdout.write(String(r)));
-" "$NEW_PASSWORD" "$HASH" 2>/dev/null)
-
-if [ "$VERIFY" != "true" ]; then
-  die "Verification failed — the hash does not match the password. Something went wrong."
-fi
-
-echo ""
-ok "Password reset successful!"
-echo ""
-info "  User:  ${FIRST_NAME} ${LAST_NAME} (${USER_EMAIL})"
-info "  Login: ${EMAIL}"
-echo ""