fix: enforce read-only restrictions for viewer role across 5 pages

Audit and fix viewer (read-only) user permissions:
- Dashboard: hide health score refresh buttons
- Accounts: hide investment edit icons
- Invoices: hide Apply Late Fees and Generate Invoices buttons
- Capital Planning: disable drag-and-drop, hide grip handles and edit buttons
- Investment Planning: hide AI Recommendations refresh button

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": "2026.3.7-beta",
   "lockfileVersion": 3,
   "requires": true,
   "packages": {
     "": {
       "name": "hoa-ledgeriq-backend",
-      "version": "2026.03.10",
+      "version": "2026.3.7-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": "2026.3.7-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.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
+  // In-memory cache for org status to avoid DB hit per request
-  private orgCache = new Map<string, { status: string; schemaName: string; cachedAt: number }>();
+  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) {
+        if (decoded?.orgSchema) {
-          // Look up org info (status + schema) from orgId with caching
+          // Check if the org is still active (catches post-JWT suspension)
-          const orgInfo = await this.getOrgInfo(decoded.orgId);
+          if (decoded.orgId) {
-          if (orgInfo) {
+            const status = await this.getOrgStatus(decoded.orgId);
-            if (['suspended', 'archived'].includes(orgInfo.status)) {
+            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> {
+  private async getOrgStatus(orgId: string): Promise<string | null> {
-    const cached = this.orgCache.get(orgId);
+    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, {
+        this.orgStatusCache.set(orgId, { status: result[0].status, cachedAt: Date.now() });
-          status: result[0].status,
+        return result[0].status;
-          schemaName: result[0].schemaName,
-          cachedAt: Date.now(),
-        });
-        return { status: result[0].status, schemaName: result[0].schemaName };
       }
     } 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
+  // Swagger docs — available in all environments
-  if (!isProduction) {
   const config = new DocumentBuilder()
     .setTitle('HOA LedgerIQ API')
     .setDescription('API for the HOA LedgerIQ')
-      .setVersion('2026.3.11')
+    .setVersion('2026.3.7')
     .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

@@ -16,7 +16,7 @@ export class HealthScoresController {
   @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);
   }
 
@@ -24,7 +24,7 @@ export class HealthScoresController {
   @ApiOperation({ summary: 'Trigger both health score recalculations (async — returns immediately)' })
   @AllowViewer()
   async calculate(@Req() req: any) {
-    const schema = req.tenantSchema;
+    const schema = req.user?.orgSchema;
 
     // Fire-and-forget — background processing saves results to DB
     Promise.all([
@@ -44,7 +44,7 @@ export class HealthScoresController {
   @ApiOperation({ summary: 'Trigger operating fund health score recalculation (async)' })
   @AllowViewer()
   async calculateOperating(@Req() req: any) {
-    const schema = req.tenantSchema;
+    const schema = req.user?.orgSchema;
 
     // Fire-and-forget
     this.service.calculateScore(schema, 'operating').catch((err) => {
@@ -61,7 +61,7 @@ export class HealthScoresController {
   @ApiOperation({ summary: 'Trigger reserve fund health score recalculation (async)' })
   @AllowViewer()
   async calculateReserve(@Req() req: any) {
-    const schema = req.tenantSchema;
+    const schema = req.user?.orgSchema;
 
     // Fire-and-forget
     this.service.calculateScore(schema, 'reserve').catch((err) => {

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

@@ -220,12 +220,12 @@ export class HealthScoresService {
         missing.push(`No budget found for ${year}. Upload or create an annual budget.`);
       }
 
-      // Should have reserve-funded projects with estimated costs (warn but don't block)
+      // Should have capital projects (warn but don't block)
       const projects = await qr.query(
-        `SELECT COUNT(*) as cnt FROM projects WHERE is_active = true AND fund_source = 'reserve'`,
+        `SELECT COUNT(*) as cnt FROM projects WHERE is_active = true`,
       );
       if (parseInt(projects[0].cnt) === 0) {
-        missing.push('No reserve-funded projects found. Add projects with estimated costs for an accurate funded-ratio calculation.');
+        missing.push('No capital projects found. Add planned capital projects for a more accurate reserve health assessment.');
       }
     }
 
@@ -558,12 +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,
+        SELECT name, estimated_cost, target_year, target_month, fund_source,
-          status, priority, current_fund_balance, funded_percentage,
+          status, priority, current_fund_balance, funded_percentage
-          category, useful_life_years, remaining_life_years, condition_rating,
-          annual_contribution
         FROM projects
         WHERE is_active = true AND status IN ('planned', 'approved', 'in_progress')
         ORDER BY target_year, target_month NULLS LAST
@@ -598,19 +596,11 @@ export class HealthScoresService {
 
     const totalReserveFund = reserveCash + totalInvestments;
 
-    // Use reserve_components for funded ratio when available; fall back to
+    const totalReplacementCost = reserveComponents
-    // reserve-funded projects (which carry the same estimated_cost / lifecycle
+      .reduce((s: number, c: any) => s + parseFloat(c.replacement_cost || '0'), 0);
-    // 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 = useComponentsTable
+    const totalComponentFunded = reserveComponents
-      ? reserveComponents.reduce((s: number, c: any) => s + parseFloat(c.replacement_cost || '0'), 0)
+      .reduce((s: number, c: any) => s + parseFloat(c.current_fund_balance || '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 percentFunded = totalReplacementCost > 0 ? (totalReserveFund / totalReplacementCost) * 100 : 0;
 
@@ -625,13 +615,9 @@ 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
+    // Components needing replacement within 5 years
-    const urgentComponents = useComponentsTable
+    const urgentComponents = reserveComponents.filter(
-      ? 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,
     );
 
     // ── Build 12-month forward reserve cash flow projection ──
@@ -763,7 +749,6 @@ export class HealthScoresService {
       accounts,
       investments,
       reserveComponents,
-      reserveProjects,
       projects,
       budgets,
       assessments,
@@ -974,15 +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 componentLines = data.reserveComponents.length === 0
-    const componentSource = data.reserveComponents.length > 0 ? data.reserveComponents : data.reserveProjects;
+      ? 'No reserve components tracked.'
-    const componentLines = componentSource.length === 0
+      : data.reserveComponents.map((c: any) => {
-      ? 'No reserve components or reserve projects tracked.'
+          const cost = parseFloat(c.replacement_cost || '0');
-      : componentSource.map((c: any) => {
-          const cost = parseFloat(c.replacement_cost || c.estimated_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
@@ -998,7 +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, $${gap.toFixed(0)} funding gap`;
@@ -1014,8 +997,8 @@ Reserve Cash (bank accounts): $${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)'}
+Total Replacement Cost (all components): $${data.totalReplacementCost.toFixed(2)}
-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.'}
+Percent Funded: ${data.percentFunded.toFixed(1)}%
 
 Annual Reserve Contribution (budgeted income): $${data.annualReserveContribution.toFixed(2)}
 Annual Reserve Expenses (budgeted): $${data.annualReserveExpenses.toFixed(2)}

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/reports/reports.service.ts

@@ -716,38 +716,14 @@ export class ReportsService {
     `);
     const estMonthlyInterest = acctInterestTotal + parseFloat(invInterest[0]?.total || '0');
 
-    // Interest earned YTD: actual interest income from journal entries for current year
+    // Interest earned YTD: approximate from current_value - principal (unrealized gains)
-    const currentYear = new Date().getFullYear();
     const interestEarned = await this.tenant.query(`
-      SELECT COALESCE(SUM(jel.credit - jel.debit), 0) as total
+      SELECT COALESCE(SUM(current_value - principal), 0) as total
-      FROM accounts a
+      FROM investment_accounts WHERE is_active = true AND current_value > principal
-      JOIN journal_entry_lines jel ON jel.account_id = a.id
+    `);
-      JOIN journal_entries je ON je.id = jel.journal_entry_id
-        AND je.is_posted = true AND je.is_void = false
-        AND EXTRACT(YEAR FROM je.entry_date) = $1
-      WHERE a.account_type = 'income' AND a.is_active = true
-        AND LOWER(a.name) LIKE '%interest%'
-    `, [currentYear]);
-
-    // Interest earned last year (for YoY comparison)
-    const interestLastYear = await this.tenant.query(`
-      SELECT COALESCE(SUM(jel.credit - jel.debit), 0) as total
-      FROM accounts a
-      JOIN journal_entry_lines jel ON jel.account_id = a.id
-      JOIN journal_entries je ON je.id = jel.journal_entry_id
-        AND je.is_posted = true AND je.is_void = false
-        AND EXTRACT(YEAR FROM je.entry_date) = $1
-      WHERE a.account_type = 'income' AND a.is_active = true
-        AND LOWER(a.name) LIKE '%interest%'
-    `, [currentYear - 1]);
-
-    // Projected interest for current year (YTD actual + remaining months estimated)
-    const currentMonth = new Date().getMonth() + 1;
-    const ytdInterest = parseFloat(interestEarned[0]?.total || '0');
-    const monthlyAvg = currentMonth > 0 ? ytdInterest / currentMonth : 0;
-    const projectedInterest = ytdInterest + (monthlyAvg * (12 - currentMonth));
 
     // Planned capital spend for current year
+    const currentYear = new Date().getFullYear();
     const capitalSpend = await this.tenant.query(`
       SELECT COALESCE(SUM(estimated_cost), 0) as total
       FROM projects WHERE target_year = $1 AND status IN ('planned', 'in_progress') AND is_active = true
@@ -773,9 +749,7 @@ export class ReportsService {
       operating_investments: operatingInvestments.toFixed(2),
       reserve_investments: reserveInvestments.toFixed(2),
       est_monthly_interest: estMonthlyInterest.toFixed(2),
-      interest_earned_ytd: ytdInterest.toFixed(2),
+      interest_earned_ytd: interestEarned[0]?.total || '0.00',
-      interest_last_year: parseFloat(interestLastYear[0]?.total || '0').toFixed(2),
-      interest_projected: projectedInterest.toFixed(2),
       planned_capital_spend: capitalSpend[0]?.total || '0.00',
     };
   }

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": "2026.3.7-beta",
   "lockfileVersion": 3,
   "requires": true,
   "packages": {
     "": {
       "name": "hoa-ledgeriq-frontend",
-      "version": "2026.03.10",
+      "version": "2026.3.7-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": "2026.3.7-beta",
   "private": true,
   "type": "module",
   "scripts": {

frontend/src/pages/accounts/AccountsPage.tsx

@@ -587,7 +587,7 @@ export function AccountsPage() {
             {investments.filter(i => i.is_active).length > 0 && (
               <>
                 <Divider label="Investment Accounts" labelPosition="center" my="xs" />
-                <InvestmentMiniTable investments={investments.filter(i => i.is_active)} onEdit={handleEditInvestment} />
+                <InvestmentMiniTable investments={investments.filter(i => i.is_active)} onEdit={handleEditInvestment} isReadOnly={isReadOnly} />
               </>
             )}
           </Stack>
@@ -605,7 +605,7 @@ export function AccountsPage() {
             {operatingInvestments.length > 0 && (
               <>
                 <Divider label="Operating Investment Accounts" labelPosition="center" my="xs" />
-                <InvestmentMiniTable investments={operatingInvestments} onEdit={handleEditInvestment} />
+                <InvestmentMiniTable investments={operatingInvestments} onEdit={handleEditInvestment} isReadOnly={isReadOnly} />
               </>
             )}
           </Stack>
@@ -623,7 +623,7 @@ export function AccountsPage() {
             {reserveInvestments.length > 0 && (
               <>
                 <Divider label="Reserve Investment Accounts" labelPosition="center" my="xs" />
-                <InvestmentMiniTable investments={reserveInvestments} onEdit={handleEditInvestment} />
+                <InvestmentMiniTable investments={reserveInvestments} onEdit={handleEditInvestment} isReadOnly={isReadOnly} />
               </>
             )}
           </Stack>
@@ -1087,9 +1087,11 @@ function AccountTable({
 function InvestmentMiniTable({
   investments,
   onEdit,
+  isReadOnly = false,
 }: {
   investments: Investment[];
   onEdit: (inv: Investment) => void;
+  isReadOnly?: boolean;
 }) {
   const totalPrincipal = investments.reduce((s, i) => s + parseFloat(i.principal || '0'), 0);
   const totalValue = investments.reduce(
@@ -1132,7 +1134,7 @@ function InvestmentMiniTable({
             <Table.Th ta="right">Maturity Value</Table.Th>
             <Table.Th>Maturity Date</Table.Th>
             <Table.Th ta="right">Days Remaining</Table.Th>
-            <Table.Th></Table.Th>
+            {!isReadOnly && <Table.Th></Table.Th>}
           </Table.Tr>
         </Table.Thead>
         <Table.Tbody>
@@ -1182,6 +1184,7 @@ function InvestmentMiniTable({
                   '-'
                 )}
               </Table.Td>
+              {!isReadOnly && (
                 <Table.Td>
                   <Tooltip label="Edit investment">
                     <ActionIcon variant="subtle" onClick={() => onEdit(inv)}>
@@ -1189,6 +1192,7 @@ function InvestmentMiniTable({
                     </ActionIcon>
                   </Tooltip>
                 </Table.Td>
+              )}
             </Table.Tr>
           ))}
         </Table.Tbody>

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,
+          account_id: b.account_id,
-          fundType: b.fund_type,
+          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 leftSection={<IconDeviceFloppy size={16} />} onClick={() => saveMutation.mutate()} loading={saveMutation.isPending}>
-              <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>
-              </>
-            )}
           </>)}
         </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: 0, background: 'white', 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: 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">
@@ -437,7 +391,6 @@ 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)}
@@ -445,13 +398,9 @@ export function BudgetsPage() {
                             hideControls
                             decimalScale={2}
                             min={0}
+                            disabled={isReadOnly}
                             styles={{ input: { textAlign: 'right', fontFamily: 'monospace' } }}
                           />
-                          ) : (
-                            <Text size="sm" ta="right" ff="monospace">
-                              {fmt((line as any)[m] || 0)}
-                            </Text>
-                          )}
                         </Table.Td>
                       ))}
                       <Table.Td ta="right" fw={500} ff="monospace">

frontend/src/pages/capital-projects/CapitalProjectsPage.tsx

@@ -72,9 +72,10 @@ interface KanbanCardProps {
   project: Project;
   onEdit: (p: Project) => void;
   onDragStart: (e: DragEvent<HTMLDivElement>, project: Project) => void;
+  isReadOnly?: boolean;
 }
 
-function KanbanCard({ project, onEdit, onDragStart }: KanbanCardProps) {
+function KanbanCard({ project, onEdit, onDragStart, isReadOnly }: KanbanCardProps) {
   const plannedLabel = formatPlannedDate(project.planned_date);
   // For projects in the Future bucket with a specific year, show the year
   const currentYear = new Date().getFullYear();
@@ -86,21 +87,23 @@ function KanbanCard({ project, onEdit, onDragStart }: KanbanCardProps) {
       padding="sm"
       radius="md"
       withBorder
-      draggable
+      draggable={!isReadOnly}
-      onDragStart={(e) => onDragStart(e, project)}
+      onDragStart={!isReadOnly ? (e) => onDragStart(e, project) : undefined}
-      style={{ cursor: 'grab', userSelect: 'none' }}
+      style={{ cursor: isReadOnly ? 'default' : 'grab', userSelect: 'none' }}
       mb="xs"
     >
       <Group justify="space-between" wrap="nowrap" mb={4}>
         <Group gap={6} wrap="nowrap" style={{ overflow: 'hidden' }}>
-          <IconGripVertical size={14} style={{ flexShrink: 0, color: 'var(--mantine-color-dimmed)' }} />
+          {!isReadOnly && <IconGripVertical size={14} style={{ flexShrink: 0, color: 'var(--mantine-color-dimmed)' }} />}
           <Text fw={600} size="sm" truncate>
             {project.name}
           </Text>
         </Group>
+        {!isReadOnly && (
           <ActionIcon variant="subtle" size="sm" onClick={() => onEdit(project)}>
             <IconEdit size={14} />
           </ActionIcon>
+        )}
       </Group>
 
       <Group gap={6} mb={6}>
@@ -148,11 +151,12 @@ interface KanbanColumnProps {
   isDragOver: boolean;
   onDragOverHandler: (e: DragEvent<HTMLDivElement>, year: number) => void;
   onDragLeave: () => void;
+  isReadOnly?: boolean;
 }
 
 function KanbanColumn({
   year, projects, onEdit, onDragStart, onDrop,
-  isDragOver, onDragOverHandler, onDragLeave,
+  isDragOver, onDragOverHandler, onDragLeave, isReadOnly,
 }: KanbanColumnProps) {
   const totalEst = projects.reduce((s, p) => s + parseFloat(p.estimated_cost || '0'), 0);
   const isFuture = year === FUTURE_YEAR;
@@ -178,9 +182,9 @@ function KanbanColumn({
         border: isDragOver ? '2px dashed var(--mantine-color-blue-4)' : undefined,
         transition: 'background-color 150ms ease, border 150ms ease',
       }}
-      onDragOver={(e) => onDragOverHandler(e, year)}
+      onDragOver={!isReadOnly ? (e) => onDragOverHandler(e, year) : undefined}
-      onDragLeave={onDragLeave}
+      onDragLeave={!isReadOnly ? onDragLeave : undefined}
-      onDrop={(e) => onDrop(e, year)}
+      onDrop={!isReadOnly ? (e) => onDrop(e, year) : undefined}
     >
       <Group justify="space-between" mb="sm">
         <Title order={5}>{yearLabel(year)}</Title>
@@ -199,7 +203,7 @@ function KanbanColumn({
       <Box style={{ flex: 1, minHeight: 60 }}>
         {projects.length === 0 ? (
           <Text size="xs" c="dimmed" ta="center" py="lg">
-            Drop projects here
+            {isReadOnly ? 'No projects' : 'Drop projects here'}
           </Text>
         ) : useWideLayout ? (
           <div style={{
@@ -208,12 +212,12 @@ function KanbanColumn({
             gap: 'var(--mantine-spacing-xs)',
           }}>
             {projects.map((p) => (
-              <KanbanCard key={p.id} project={p} onEdit={onEdit} onDragStart={onDragStart} />
+              <KanbanCard key={p.id} project={p} onEdit={onEdit} onDragStart={onDragStart} isReadOnly={isReadOnly} />
             ))}
           </div>
         ) : (
           projects.map((p) => (
-            <KanbanCard key={p.id} project={p} onEdit={onEdit} onDragStart={onDragStart} />
+            <KanbanCard key={p.id} project={p} onEdit={onEdit} onDragStart={onDragStart} isReadOnly={isReadOnly} />
           ))
         )}
       </Box>
@@ -595,6 +599,7 @@ export function CapitalProjectsPage() {
               isDragOver={dragOverYear === year}
               onDragOverHandler={handleDragOver}
               onDragLeave={handleDragLeave}
+              isReadOnly={isReadOnly}
             />
           );
         })}

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)')
+                        ? 'var(--mantine-color-orange-0)'
-                        : i % 2 === 0 ? 'transparent' : (isDark ? 'var(--mantine-color-dark-5)' : 'var(--mantine-color-gray-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

@@ -18,7 +18,7 @@ import {
 } from '@tabler/icons-react';
 import { useState, useCallback } from 'react';
 import { useQuery, useQueryClient } from '@tanstack/react-query';
-import { useAuthStore } from '../../stores/authStore';
+import { useAuthStore, useIsReadOnly } from '../../stores/authStore';
 import api from '../../services/api';
 
 interface HealthScore {
@@ -306,13 +306,12 @@ interface DashboardData {
   reserve_investments: string;
   est_monthly_interest: string;
   interest_earned_ytd: string;
-  interest_last_year: string;
-  interest_projected: string;
   planned_capital_spend: string;
 }
 
 export function DashboardPage() {
   const currentOrg = useAuthStore((s) => s.currentOrg);
+  const isReadOnly = useIsReadOnly();
   const queryClient = useQueryClient();
 
   // Track whether a refresh is in progress (per score type) for async polling
@@ -426,7 +425,7 @@ export function DashboardPage() {
                 </ThemeIcon>
               }
               isRefreshing={operatingRefreshing}
-              onRefresh={handleRefreshOperating}
+              onRefresh={!isReadOnly ? handleRefreshOperating : undefined}
               lastFailed={!!healthScores?.operating_last_failed}
             />
             <HealthScoreCard
@@ -438,7 +437,7 @@ export function DashboardPage() {
                 </ThemeIcon>
               }
               isRefreshing={reserveRefreshing}
-              onRefresh={handleRefreshReserve}
+              onRefresh={!isReadOnly ? handleRefreshReserve : undefined}
               lastFailed={!!healthScores?.reserve_last_failed}
             />
           </SimpleGrid>
@@ -543,30 +542,7 @@ export function DashboardPage() {
                   <Text size="sm" fw={500} c="teal">{fmt(data?.interest_earned_ytd || '0')}</Text>
                 </Group>
                 <Group justify="space-between">
-                  <Text size="sm" c="dimmed">Interest Earned YoY</Text>
+                  <Text size="sm" c="dimmed">Planned Capital Spend</Text>
-                  <Group gap={6}>
-                    <Text size="sm" fw={500} c="teal">{fmt(data?.interest_projected || '0')}</Text>
-                    <Text size="xs" c="dimmed">proj</Text>
-                    <Text size="xs" c="dimmed">vs</Text>
-                    <Text size="sm" fw={500} c="gray">{fmt(data?.interest_last_year || '0')}</Text>
-                    <Text size="xs" c="dimmed">prev</Text>
-                    {(() => {
-                      const proj = parseFloat(data?.interest_projected || '0');
-                      const prev = parseFloat(data?.interest_last_year || '0');
-                      const diff = proj - prev;
-                      if (prev === 0 && proj === 0) return null;
-                      return (
-                        <Badge size="xs" color={diff >= 0 ? 'green' : 'red'} variant="light">
-                          {diff >= 0 ? '+' : ''}{prev > 0 ? ((diff / prev) * 100).toFixed(0) : '—'}%
-                        </Badge>
-                      );
-                    })()}
-                  </Group>
-                </Group>
-                <Divider my={4} />
-                <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Capital Projects</Text>
-                <Group justify="space-between">
-                  <Text size="sm" c="dimmed">Planned Capital Spend {new Date().getFullYear()}</Text>
                   <Text size="sm" fw={500} c="orange">{fmt(data?.planned_capital_spend || '0')}</Text>
                 </Group>
                 <Divider my={4} />

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

@@ -36,6 +36,7 @@ import {
 import { useQuery } from '@tanstack/react-query';
 import { notifications } from '@mantine/notifications';
 import api from '../../services/api';
+import { useIsReadOnly } from '../../stores/authStore';
 
 // ── Types ──
 
@@ -347,6 +348,7 @@ function RecommendationsDisplay({
 export function InvestmentPlanningPage() {
   const [ratesExpanded, setRatesExpanded] = useState(true);
   const [isTriggering, setIsTriggering] = useState(false);
+  const isReadOnly = useIsReadOnly();
 
   // Load financial snapshot on mount
   const { data: snapshot, isLoading: snapshotLoading } = useQuery<FinancialSnapshot>({
@@ -696,6 +698,7 @@ export function InvestmentPlanningPage() {
               </Text>
             </div>
           </Group>
+          {!isReadOnly && (
             <Button
               leftSection={<IconSparkles size={16} />}
               onClick={handleTriggerAI}
@@ -705,6 +708,7 @@ export function InvestmentPlanningPage() {
             >
               {aiResult ? 'Refresh Recommendations' : 'Get AI Recommendations'}
             </Button>
+          )}
         </Group>
 
         {/* Processing State */}

frontend/src/pages/invoices/InvoicesPage.tsx

@@ -9,6 +9,7 @@ import { notifications } from '@mantine/notifications';
 import { IconSend, IconInfoCircle, IconCheck, IconX } from '@tabler/icons-react';
 import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
 import api from '../../services/api';
+import { useIsReadOnly } from '../../stores/authStore';
 
 interface Invoice {
   id: string; invoice_number: string; unit_number: string; unit_id: string;
@@ -64,6 +65,7 @@ export function InvoicesPage() {
   const [preview, setPreview] = useState<Preview | null>(null);
   const [previewLoading, setPreviewLoading] = useState(false);
   const queryClient = useQueryClient();
+  const isReadOnly = useIsReadOnly();
 
   const { data: invoices = [], isLoading } = useQuery<Invoice[]>({
     queryKey: ['invoices'],
@@ -124,10 +126,12 @@ export function InvoicesPage() {
     <Stack>
       <Group justify="space-between">
         <Title order={2}>Invoices</Title>
+        {!isReadOnly && (
           <Group>
             <Button variant="outline" onClick={() => lateFeesMutation.mutate()} loading={lateFeesMutation.isPending}>Apply Late Fees</Button>
             <Button leftSection={<IconSend size={16} />} onClick={openBulk}>Generate Invoices</Button>
           </Group>
+        )}
       </Group>
       <Group>
         <Card withBorder p="sm"><Text size="xs" c="dimmed">Total Invoices</Text><Text fw={700}>{invoices.length}</Text></Card>

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

@@ -1,17 +1,15 @@
 import { useState, useMemo } from 'react';
 import {
   Title, Table, Group, Button, Stack, Text, NumberInput,
-  Select, Loader, Center, Card, SimpleGrid, Badge, Alert, Modal,
+  Select, Loader, Center, Card, SimpleGrid, Badge, Alert,
 } from '@mantine/core';
-import { useDisclosure } from '@mantine/hooks';
 import { notifications } from '@mantine/notifications';
 import {
-  IconDeviceFloppy, IconInfoCircle, IconCalendarMonth, IconEdit,
+  IconDeviceFloppy, IconInfoCircle, IconCalendarMonth,
 } 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';
 import { AttachmentPanel } from '../../components/attachments/AttachmentPanel';
 
 interface ActualLine {
@@ -66,15 +64,8 @@ export function MonthlyActualsPage() {
   const [month, setMonth] = useState(defaults.month);
   const [editedAmounts, setEditedAmounts] = useState<Record<string, number>>({});
   const [savedJEId, setSavedJEId] = useState<string | null>(null);
-  const [isEditing, setIsEditing] = useState(false);
-  const [confirmOpened, { open: openConfirm, close: closeConfirm }] = useDisclosure(false);
   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;
@@ -87,15 +78,10 @@ export function MonthlyActualsPage() {
       const { data } = await api.get(`/monthly-actuals/${year}/${month}`);
       setEditedAmounts({});
       setSavedJEId(data.existing_journal_entry_id || null);
-      // Default to read mode if actuals already exist, edit mode if new
-      setIsEditing(!data.existing_journal_entry_id);
       return data;
     },
   });
 
-  // Whether actuals have been previously saved (reconciled)
-  const hasExistingActuals = !!savedJEId;
-
   const saveMutation = useMutation({
     mutationFn: async () => {
       const lines = (grid?.lines || [])
@@ -115,8 +101,6 @@ export function MonthlyActualsPage() {
       queryClient.invalidateQueries({ queryKey: ['accounts'] });
       queryClient.invalidateQueries({ queryKey: ['budget-vs-actual'] });
       setSavedJEId(data.journal_entry_id);
-      setIsEditing(false);
-      setEditedAmounts({});
       notifications.show({
         message: data.message || 'Actuals saved and reconciled',
         color: 'green',
@@ -141,19 +125,6 @@ export function MonthlyActualsPage() {
     setEditedAmounts((prev) => ({ ...prev, [accountId]: value }));
   };
 
-  const handleEditClick = () => {
-    if (hasExistingActuals) {
-      openConfirm();
-    } else {
-      setIsEditing(true);
-    }
-  };
-
-  const handleConfirmEdit = () => {
-    closeConfirm();
-    setIsEditing(true);
-  };
-
   const lines = grid?.lines || [];
   const incomeLines = lines.filter((l) => l.account_type === 'income');
   const expenseLines = lines.filter((l) => l.account_type === 'expense');
@@ -166,6 +137,7 @@ export function MonthlyActualsPage() {
     return { incomeBudget, incomeActual, expenseBudget, expenseActual };
   }, [lines, editedAmounts]);
 
+  const hasChanges = Object.keys(editedAmounts).length > 0;
   const monthLabel = monthOptions.find((m) => m.value === month)?.label || '';
 
   if (isLoading) return <Center h={300}><Loader /></Center>;
@@ -191,7 +163,7 @@ export function MonthlyActualsPage() {
           {title}
         </Table.Td>
         <Table.Td ta="right" fw={700} ff="monospace">{fmt(budgetTotal)}</Table.Td>
-        <Table.Td ta="right" fw={700} ff="monospace">{fmt(actualTotal)}</Table.Td>
+        <Table.Td />
         <Table.Td ta="right" fw={700} ff="monospace"
           c={variance === 0 ? 'gray' : (isExpense ? (variance > 0 ? 'red' : 'green') : (variance > 0 ? 'green' : 'red'))}
         >
@@ -206,16 +178,16 @@ export function MonthlyActualsPage() {
           <Table.Tr key={line.account_id}>
             <Table.Td
               style={{
-                position: 'sticky', left: 0, background: stickyBg, zIndex: 1,
+                position: 'sticky', left: 0, background: 'white', zIndex: 1,
-                borderRight: `1px solid ${stickyBorder}`,
+                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,
+                position: 'sticky', left: 120, background: 'white', zIndex: 1,
-                borderRight: `1px solid ${stickyBorder}`,
+                borderRight: '1px solid #e9ecef',
               }}
             >
               <Group gap={6} wrap="nowrap">
@@ -226,8 +198,7 @@ export function MonthlyActualsPage() {
             <Table.Td ta="right" ff="monospace" c="dimmed" style={{ minWidth: 110 }}>
               {fmt(line.budget_amount)}
             </Table.Td>
-            <Table.Td p={isEditing ? 2 : undefined} style={{ minWidth: 130 }}>
+            <Table.Td p={2} style={{ minWidth: 130 }}>
-              {isEditing ? (
               <NumberInput
                 value={amount}
                 onChange={(v) => updateAmount(line.account_id, Number(v) || 0)}
@@ -238,9 +209,6 @@ export function MonthlyActualsPage() {
                 disabled={isReadOnly}
                 styles={{ input: { textAlign: 'right', fontFamily: 'monospace' } }}
               />
-              ) : (
-                <Text size="sm" ff="monospace" ta="right">{fmt(amount)}</Text>
-              )}
             </Table.Td>
             <Table.Td
               ta="right" ff="monospace" style={{ minWidth: 110 }}
@@ -264,24 +232,14 @@ export function MonthlyActualsPage() {
         <Group>
           <Select data={yearOptions} value={year} onChange={(v) => v && setYear(v)} w={100} />
           <Select data={monthOptions} value={month} onChange={(v) => v && setMonth(v)} w={150} />
-          {!isReadOnly && !isEditing && (
+          {!isReadOnly && (
-            <Button
-              leftSection={<IconEdit size={16} />}
-              variant="light"
-              onClick={handleEditClick}
-              disabled={lines.length === 0}
-            >
-              Edit Actuals
-            </Button>
-          )}
-          {!isReadOnly && isEditing && (
             <Button
               leftSection={<IconDeviceFloppy size={16} />}
               onClick={() => saveMutation.mutate()}
               loading={saveMutation.isPending}
               disabled={lines.length === 0}
             >
-              Save Actuals
+              {hasChanges ? 'Save & Reconcile' : 'Save Actuals'}
             </Button>
           )}
         </Group>
@@ -318,7 +276,7 @@ export function MonthlyActualsPage() {
         </Alert>
       )}
 
-      {hasExistingActuals && !isEditing && (
+      {savedJEId && (
         <Alert icon={<IconInfoCircle size={16} />} color="green" variant="light">
           <Group justify="space-between" align="flex-start">
             <Text size="sm">
@@ -334,10 +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>
@@ -346,8 +304,8 @@ export function MonthlyActualsPage() {
             </Table.Tr>
           </Table.Thead>
           <Table.Tbody>
-            {renderSection('Income', incomeLines, incomeBg, totals.incomeBudget, totals.incomeActual)}
+            {renderSection('Income', incomeLines, '#e6f9e6', totals.incomeBudget, totals.incomeActual)}
-            {renderSection('Expenses', expenseLines, expenseBg, totals.expenseBudget, totals.expenseActual)}
+            {renderSection('Expenses', expenseLines, '#fde8e8', totals.expenseBudget, totals.expenseActual)}
           </Table.Tbody>
         </Table>
       </div>
@@ -359,26 +317,6 @@ export function MonthlyActualsPage() {
           <AttachmentPanel journalEntryId={savedJEId} />
         </Card>
       )}
-
-      {/* Confirmation modal for editing reconciled actuals */}
-      <Modal opened={confirmOpened} onClose={closeConfirm} title="Edit Reconciled Actuals" centered>
-        <Stack>
-          <Text size="sm">
-            Actuals for <Text span fw={700}>{monthLabel} {year}</Text> have already been
-            reconciled. Editing will void the existing journal entry and create a new one
-            when you save.
-          </Text>
-          <Text size="sm" c="dimmed">
-            Press Edit to proceed, or Cancel to keep the current values.
-          </Text>
-          <Group justify="flex-end">
-            <Button variant="default" onClick={closeConfirm}>Cancel</Button>
-            <Button color="orange" leftSection={<IconEdit size={16} />} onClick={handleConfirmEdit}>
-              Edit
-            </Button>
-          </Group>
-        </Stack>
-      </Modal>
     </Stack>
   );
 }

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">2026.3.7 (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>;
 }