fix: remove cash flow summary cards and restore area chart shading

Remove the 4 summary cards from the Cash Flow page as they don't
properly represent the story over time. Increase gradient opacity
on stacked area charts (cash flow and investment scenarios) from
0.3-0.4/0-0.05 to 0.6/0.15 for better visual shading.

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

backend/package-lock.json

@@ -1,12 +1,12 @@
 {
   "name": "hoa-ledgeriq-backend",
-  "version": "2026.3.11",
+  "version": "2026.3.17",
   "lockfileVersion": 3,
   "requires": true,
   "packages": {
     "": {
       "name": "hoa-ledgeriq-backend",
-      "version": "2026.3.11",
+      "version": "2026.3.17",
       "dependencies": {
         "@nestjs/common": "^10.4.15",
         "@nestjs/config": "^3.3.0",
@@ -36,6 +36,7 @@
         "pg": "^8.13.1",
         "qrcode": "^1.5.4",
         "reflect-metadata": "^0.2.2",
+        "resend": "^6.9.4",
         "rxjs": "^7.8.1",
         "stripe": "^20.4.1",
         "typeorm": "^0.3.20",
@@ -2791,6 +2792,12 @@
       "integrity": "sha512-Uy0+khmZqUrUGm5dmMqVlnvufZRSK0FbYzVgp0UMstm+F5+W2/jnEEQyc9vo1ZR/E5ZI/B1WjjoTqBqwJL6Krw==",
       "license": "MIT"
     },
+    "node_modules/@stablelib/base64": {
+      "version": "1.0.1",
+      "resolved": "https://registry.npmjs.org/@stablelib/base64/-/base64-1.0.1.tgz",
+      "integrity": "sha512-1bnPQqSxSuc3Ii6MhBysoWCg58j97aUjuCSZrGSmDxNqtytIi0k8utUenAwTZN4V5mXXYGsVUI9zeBqy+jBOSQ==",
+      "license": "MIT"
+    },
     "node_modules/@tokenizer/inflate": {
       "version": "0.2.7",
       "resolved": "https://registry.npmjs.org/@tokenizer/inflate/-/inflate-0.2.7.tgz",
@@ -5357,6 +5364,12 @@
       "integrity": "sha512-W+KJc2dmILlPplD/H4K9l9LcAHAfPtP6BY84uVLXQ6Evcz9Lcg33Y2z1IVblT6xdY54PXYVHEv+0Wpq8Io6zkA==",
       "license": "MIT"
     },
+    "node_modules/fast-sha256": {
+      "version": "1.3.0",
+      "resolved": "https://registry.npmjs.org/fast-sha256/-/fast-sha256-1.3.0.tgz",
+      "integrity": "sha512-n11RGP/lrWEFI/bWdygLxhI+pVeo1ZYIVwvvPkW7azl/rOy+F3HYRZ2K5zeE9mmkhQppyv9sQFx0JM9UabnpPQ==",
+      "license": "Unlicense"
+    },
     "node_modules/fb-watchman": {
       "version": "2.0.2",
       "resolved": "https://registry.npmjs.org/fb-watchman/-/fb-watchman-2.0.2.tgz",
@@ -8723,6 +8736,12 @@
         "node": ">= 0.4"
       }
     },
+    "node_modules/postal-mime": {
+      "version": "2.7.3",
+      "resolved": "https://registry.npmjs.org/postal-mime/-/postal-mime-2.7.3.tgz",
+      "integrity": "sha512-MjhXadAJaWgYzevi46+3kLak8y6gbg0ku14O1gO/LNOuay8dO+1PtcSGvAdgDR0DoIsSaiIA8y/Ddw6MnrO0Tw==",
+      "license": "MIT-0"
+    },
     "node_modules/postgres-array": {
       "version": "2.0.0",
       "resolved": "https://registry.npmjs.org/postgres-array/-/postgres-array-2.0.0.tgz",
@@ -9207,6 +9226,27 @@
       "integrity": "sha512-NKN5kMDylKuldxYLSUfrbo5Tuzh4hd+2E8NPPX02mZtn1VuREQToYe/ZdlJy+J3uCpfaiGF05e7B8W0iXbQHmg==",
       "license": "ISC"
     },
+    "node_modules/resend": {
+      "version": "6.9.4",
+      "resolved": "https://registry.npmjs.org/resend/-/resend-6.9.4.tgz",
+      "integrity": "sha512-/M3dsJzu5OgozqVsA4Psd/1L7EdePgOIIxClas453GOQYFG3VHc2ZyCHZFlvqsc9aZCCd2BJRRqZgWC8D9c7/g==",
+      "license": "MIT",
+      "dependencies": {
+        "postal-mime": "2.7.3",
+        "svix": "1.86.0"
+      },
+      "engines": {
+        "node": ">=20"
+      },
+      "peerDependencies": {
+        "@react-email/render": "*"
+      },
+      "peerDependenciesMeta": {
+        "@react-email/render": {
+          "optional": true
+        }
+      }
+    },
     "node_modules/resolve": {
       "version": "1.22.11",
       "resolved": "https://registry.npmjs.org/resolve/-/resolve-1.22.11.tgz",
@@ -9779,6 +9819,16 @@
       "integrity": "sha512-qoRRSyROncaz1z0mvYqIE4lCd9p2R90i6GxW3uZv5ucSu8tU7B5HXUP1gG8pVZsYNVaXjk8ClXHPttLyxAL48A==",
       "license": "MIT"
     },
+    "node_modules/standardwebhooks": {
+      "version": "1.0.0",
+      "resolved": "https://registry.npmjs.org/standardwebhooks/-/standardwebhooks-1.0.0.tgz",
+      "integrity": "sha512-BbHGOQK9olHPMvQNHWul6MYlrRTAOKn03rOe4A8O3CLWhNf4YHBqq2HJKKC+sfqpxiBY52pNeesD6jIiLDz8jg==",
+      "license": "MIT",
+      "dependencies": {
+        "@stablelib/base64": "^1.0.0",
+        "fast-sha256": "^1.3.0"
+      }
+    },
     "node_modules/statuses": {
       "version": "2.0.2",
       "resolved": "https://registry.npmjs.org/statuses/-/statuses-2.0.2.tgz",
@@ -10037,6 +10087,29 @@
         "url": "https://github.com/sponsors/ljharb"
       }
     },
+    "node_modules/svix": {
+      "version": "1.86.0",
+      "resolved": "https://registry.npmjs.org/svix/-/svix-1.86.0.tgz",
+      "integrity": "sha512-/HTvXwjLJe1l/MsLXAO1ddCYxElJk4eNR4DzOjDOEmGrPN/3BtBE8perGwMAaJ2sT5T172VkBYzmHcjUfM1JRQ==",
+      "license": "MIT",
+      "dependencies": {
+        "standardwebhooks": "1.0.0",
+        "uuid": "^10.0.0"
+      }
+    },
+    "node_modules/svix/node_modules/uuid": {
+      "version": "10.0.0",
+      "resolved": "https://registry.npmjs.org/uuid/-/uuid-10.0.0.tgz",
+      "integrity": "sha512-8XkAphELsDnEGrDxUOHB3RGvXz6TeuYSGEZBOjtTtPm2lwhGBjLgOzLHB63IUWfBpNucQjND6d3AOudO+H3RWQ==",
+      "funding": [
+        "https://github.com/sponsors/broofa",
+        "https://github.com/sponsors/ctavan"
+      ],
+      "license": "MIT",
+      "bin": {
+        "uuid": "dist/bin/uuid"
+      }
+    },
     "node_modules/swagger-ui-dist": {
       "version": "5.17.14",
       "resolved": "https://registry.npmjs.org/swagger-ui-dist/-/swagger-ui-dist-5.17.14.tgz",

backend/package.json

@@ -45,6 +45,7 @@
     "pg": "^8.13.1",
     "qrcode": "^1.5.4",
     "reflect-metadata": "^0.2.2",
+    "resend": "^6.9.4",
     "rxjs": "^7.8.1",
     "stripe": "^20.4.1",
     "typeorm": "^0.3.20",

backend/src/app.module.ts

@@ -1,5 +1,5 @@
 import { Module, MiddlewareConsumer, NestModule } from '@nestjs/common';
-import { APP_GUARD } from '@nestjs/core';
+import { APP_GUARD, APP_INTERCEPTOR } from '@nestjs/core';
 import { ConfigModule, ConfigService } from '@nestjs/config';
 import { TypeOrmModule } from '@nestjs/typeorm';
 import { ThrottlerModule } from '@nestjs/throttler';
@@ -7,6 +7,7 @@ import { AppController } from './app.controller';
 import { DatabaseModule } from './database/database.module';
 import { TenantMiddleware } from './database/tenant.middleware';
 import { WriteAccessGuard } from './common/guards/write-access.guard';
+import { NoCacheInterceptor } from './common/interceptors/no-cache.interceptor';
 import { AuthModule } from './modules/auth/auth.module';
 import { OrganizationsModule } from './modules/organizations/organizations.module';
 import { UsersModule } from './modules/users/users.module';
@@ -95,6 +96,10 @@ import { ScheduleModule } from '@nestjs/schedule';
       provide: APP_GUARD,
       useClass: WriteAccessGuard,
     },
+    {
+      provide: APP_INTERCEPTOR,
+      useClass: NoCacheInterceptor,
+    },
   ],
 })
 export class AppModule implements NestModule {

backend/src/common/interceptors/no-cache.interceptor.ts

@@ -0,0 +1,16 @@
+import { Injectable, NestInterceptor, ExecutionContext, CallHandler } from '@nestjs/common';
+import { Observable } from 'rxjs';
+
+/**
+ * Prevents browsers and proxies from caching authenticated API responses
+ * containing sensitive financial data (account balances, transactions, PII).
+ */
+@Injectable()
+export class NoCacheInterceptor implements NestInterceptor {
+  intercept(context: ExecutionContext, next: CallHandler): Observable<any> {
+    const res = context.switchToHttp().getResponse();
+    res.setHeader('Cache-Control', 'no-store, no-cache, must-revalidate, private');
+    res.setHeader('Pragma', 'no-cache');
+    return next.handle();
+  }
+}

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

@@ -8,6 +8,8 @@ import {
   Get,
   Res,
   Query,
+  HttpCode,
+  ForbiddenException,
   BadRequestException,
 } from '@nestjs/common';
 import { ApiTags, ApiOperation, ApiBearerAuth } from '@nestjs/swagger';
@@ -23,6 +25,7 @@ import { AllowViewer } from '../../common/decorators/allow-viewer.decorator';
 
 const COOKIE_NAME = 'ledgeriq_rt';
 const isProduction = process.env.NODE_ENV === 'production';
+const isOpenRegistration = process.env.ALLOW_OPEN_REGISTRATION === 'true';
 
 function setRefreshCookie(res: Response, token: string) {
   res.cookie(COOKIE_NAME, token, {
@@ -49,9 +52,14 @@ export class AuthController {
   constructor(private authService: AuthService) {}
 
   @Post('register')
-  @ApiOperation({ summary: 'Register a new user' })
+  @ApiOperation({ summary: 'Register a new user (disabled unless ALLOW_OPEN_REGISTRATION=true)' })
   @Throttle({ default: { limit: 5, ttl: 60000 } })
   async register(@Body() dto: RegisterDto, @Res({ passthrough: true }) res: Response) {
+    if (!isOpenRegistration) {
+      throw new ForbiddenException(
+        'Open registration is disabled. Please use an invitation link to create your account.',
+      );
+    }
     const result = await this.authService.register(dto);
     if (result.refreshToken) {
       setRefreshCookie(res, result.refreshToken);
@@ -93,6 +101,7 @@ export class AuthController {
 
   @Post('logout')
   @ApiOperation({ summary: 'Logout and revoke refresh token' })
+  @HttpCode(200)
   async logout(@Request() req: any, @Res({ passthrough: true }) res: Response) {
     const rawToken = req.cookies?.[COOKIE_NAME];
     if (rawToken) {
@@ -104,6 +113,7 @@ export class AuthController {
 
   @Post('logout-everywhere')
   @ApiOperation({ summary: 'Revoke all sessions' })
+  @HttpCode(200)
   @ApiBearerAuth()
   @UseGuards(JwtAuthGuard)
   async logoutEverywhere(@Request() req: any, @Res({ passthrough: true }) res: Response) {
@@ -183,4 +193,51 @@ export class AuthController {
     // Stubbed — will be implemented when email service is ready
     return { success: true, message: 'If an account exists, a new activation link has been sent.' };
   }
+
+  // ─── Password Reset Flow ──────────────────────────────────────────
+
+  @Post('forgot-password')
+  @ApiOperation({ summary: 'Request a password reset email' })
+  @HttpCode(200)
+  @Throttle({ default: { limit: 3, ttl: 60000 } })
+  async forgotPassword(@Body() body: { email: string }) {
+    if (!body.email) throw new BadRequestException('Email is required');
+    await this.authService.requestPasswordReset(body.email);
+    // Always return same message to prevent account enumeration
+    return { message: 'If that email exists, a password reset link has been sent.' };
+  }
+
+  @Post('reset-password')
+  @ApiOperation({ summary: 'Reset password using a reset token' })
+  @HttpCode(200)
+  @Throttle({ default: { limit: 5, ttl: 60000 } })
+  async resetPassword(@Body() body: { token: string; newPassword: string }) {
+    if (!body.token || !body.newPassword) {
+      throw new BadRequestException('Token and newPassword are required');
+    }
+    if (body.newPassword.length < 8) {
+      throw new BadRequestException('Password must be at least 8 characters');
+    }
+    await this.authService.resetPassword(body.token, body.newPassword);
+    return { message: 'Password updated successfully.' };
+  }
+
+  @Patch('change-password')
+  @ApiOperation({ summary: 'Change password (authenticated)' })
+  @ApiBearerAuth()
+  @UseGuards(JwtAuthGuard)
+  @AllowViewer()
+  async changePassword(
+    @Request() req: any,
+    @Body() body: { currentPassword: string; newPassword: string },
+  ) {
+    if (!body.currentPassword || !body.newPassword) {
+      throw new BadRequestException('currentPassword and newPassword are required');
+    }
+    if (body.newPassword.length < 8) {
+      throw new BadRequestException('Password must be at least 8 characters');
+    }
+    await this.authService.changePassword(req.user.sub, body.currentPassword, body.newPassword);
+    return { message: 'Password changed successfully.' };
+  }
 }

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

@@ -11,8 +11,9 @@ import { JwtService } from '@nestjs/jwt';
 import { ConfigService } from '@nestjs/config';
 import { DataSource } from 'typeorm';
 import * as bcrypt from 'bcryptjs';
-import { createHash } from 'crypto';
+import { randomBytes, createHash } from 'crypto';
 import { UsersService } from '../users/users.service';
+import { EmailService } from '../email/email.service';
 import { RegisterDto } from './dto/register.dto';
 import { User } from '../users/entities/user.entity';
 import { RefreshTokenService } from './refresh-token.service';
@@ -21,6 +22,7 @@ import { RefreshTokenService } from './refresh-token.service';
 export class AuthService {
   private readonly logger = new Logger(AuthService.name);
   private readonly inviteSecret: string;
+  private readonly appUrl: string;
 
   constructor(
     private usersService: UsersService,
@@ -28,8 +30,10 @@ export class AuthService {
     private configService: ConfigService,
     private dataSource: DataSource,
     private refreshTokenService: RefreshTokenService,
+    private emailService: EmailService,
   ) {
     this.inviteSecret = this.configService.get<string>('INVITE_TOKEN_SECRET') || 'dev-invite-secret';
+    this.appUrl = this.configService.get<string>('APP_URL') || 'http://localhost:5173';
   }
 
   async register(dto: RegisterDto) {
@@ -309,6 +313,105 @@ export class AuthService {
     return token;
   }
 
+  // ─── Password Reset Flow ──────────────────────────────────────────
+
+  /**
+   * Request a password reset. Generates a token, stores its hash, and sends an email.
+   * Silently succeeds even if the email doesn't exist (prevents enumeration).
+   */
+  async requestPasswordReset(email: string): Promise<void> {
+    const user = await this.usersService.findByEmail(email);
+    if (!user) {
+      // Silently return — don't reveal whether the account exists
+      return;
+    }
+
+    // Invalidate any existing reset tokens for this user
+    await this.dataSource.query(
+      `UPDATE shared.password_reset_tokens SET used_at = NOW()
+       WHERE user_id = $1 AND used_at IS NULL`,
+      [user.id],
+    );
+
+    // Generate a 64-byte random token
+    const rawToken = randomBytes(64).toString('base64url');
+    const tokenHash = createHash('sha256').update(rawToken).digest('hex');
+    const expiresAt = new Date(Date.now() + 15 * 60 * 1000); // 15 minutes
+
+    await this.dataSource.query(
+      `INSERT INTO shared.password_reset_tokens (user_id, token_hash, expires_at)
+       VALUES ($1, $2, $3)`,
+      [user.id, tokenHash, expiresAt],
+    );
+
+    const resetUrl = `${this.appUrl}/reset-password?token=${rawToken}`;
+    await this.emailService.sendPasswordResetEmail(user.email, resetUrl);
+  }
+
+  /**
+   * Reset password using a valid reset token.
+   */
+  async resetPassword(rawToken: string, newPassword: string): Promise<void> {
+    const tokenHash = createHash('sha256').update(rawToken).digest('hex');
+
+    const rows = await this.dataSource.query(
+      `SELECT id, user_id, expires_at, used_at
+       FROM shared.password_reset_tokens
+       WHERE token_hash = $1`,
+      [tokenHash],
+    );
+
+    if (rows.length === 0) {
+      throw new BadRequestException('Invalid or expired reset token');
+    }
+
+    const record = rows[0];
+
+    if (record.used_at) {
+      throw new BadRequestException('This reset link has already been used');
+    }
+
+    if (new Date(record.expires_at) < new Date()) {
+      throw new BadRequestException('This reset link has expired');
+    }
+
+    // Update password
+    const passwordHash = await bcrypt.hash(newPassword, 12);
+    await this.dataSource.query(
+      `UPDATE shared.users SET password_hash = $1, updated_at = NOW() WHERE id = $2`,
+      [passwordHash, record.user_id],
+    );
+
+    // Mark token as used
+    await this.dataSource.query(
+      `UPDATE shared.password_reset_tokens SET used_at = NOW() WHERE id = $1`,
+      [record.id],
+    );
+  }
+
+  /**
+   * Change password for an authenticated user (requires current password).
+   */
+  async changePassword(userId: string, currentPassword: string, newPassword: string): Promise<void> {
+    const user = await this.usersService.findById(userId);
+    if (!user || !user.passwordHash) {
+      throw new UnauthorizedException('User not found');
+    }
+
+    const isValid = await bcrypt.compare(currentPassword, user.passwordHash);
+    if (!isValid) {
+      throw new UnauthorizedException('Current password is incorrect');
+    }
+
+    const passwordHash = await bcrypt.hash(newPassword, 12);
+    await this.dataSource.query(
+      `UPDATE shared.users SET password_hash = $1, updated_at = NOW() WHERE id = $2`,
+      [passwordHash, userId],
+    );
+  }
+
+  // ─── Private Helpers ──────────────────────────────────────────────
+
   private async recordLoginHistory(
     userId: string,
     organizationId: string | null,

backend/src/modules/email/email.service.ts

@@ -1,50 +1,159 @@
 import { Injectable, Logger } from '@nestjs/common';
+import { ConfigService } from '@nestjs/config';
 import { DataSource } from 'typeorm';
+import { Resend } from 'resend';
 
-/**
- * Stubbed email service — logs to console and stores in shared.email_log.
- * Replace internals with Resend/SendGrid when ready for production.
- */
 @Injectable()
 export class EmailService {
   private readonly logger = new Logger(EmailService.name);
+  private resend: Resend | null = null;
+  private fromAddress: string;
+  private replyToAddress: string;
 
-  constructor(private dataSource: DataSource) {}
+  constructor(
+    private configService: ConfigService,
+    private dataSource: DataSource,
+  ) {
+    const apiKey = this.configService.get<string>('RESEND_API_KEY');
+    if (apiKey && !apiKey.includes('placeholder')) {
+      this.resend = new Resend(apiKey);
+      this.logger.log('Resend email service initialized');
+    } else {
+      this.logger.warn('Resend not configured — emails will be logged only (stub mode)');
+    }
+    this.fromAddress = this.configService.get<string>('RESEND_FROM_ADDRESS') || 'noreply@hoaledgeriq.com';
+    this.replyToAddress = this.configService.get<string>('RESEND_REPLY_TO') || '';
+  }
+
+  // ─── Public API ──────────────────────────────────────────────
 
   async sendActivationEmail(email: string, businessName: string, activationUrl: string): Promise<void> {
     const subject = `Activate your ${businessName} account on HOA LedgerIQ`;
-    const body = [
-      `Welcome to HOA LedgerIQ!`,
-      ``,
-      `Your organization "${businessName}" has been created.`,
-      `Please activate your account by clicking the link below:`,
-      ``,
-      activationUrl,
-      ``,
-      `This link expires in 72 hours.`,
-    ].join('\n');
+    const html = this.buildTemplate({
+      preheader: 'Your HOA LedgerIQ account is ready to activate.',
+      heading: 'Welcome to HOA LedgerIQ!',
+      body: `
+        <p>Your organization <strong>${this.esc(businessName)}</strong> has been created and is ready to go.</p>
+        <p>Click the button below to set your password and activate your account:</p>
+      `,
+      ctaText: 'Activate My Account',
+      ctaUrl: activationUrl,
+      footer: 'This activation link expires in 72 hours. If you did not sign up for HOA LedgerIQ, please ignore this email.',
+    });
 
-    await this.log(email, subject, body, 'activation', { businessName, activationUrl });
+    await this.send(email, subject, html, 'activation', { businessName, activationUrl });
   }
 
   async sendWelcomeEmail(email: string, businessName: string): Promise<void> {
+    const appUrl = this.configService.get<string>('APP_URL') || 'https://app.hoaledgeriq.com';
     const subject = `Welcome to HOA LedgerIQ — ${businessName}`;
-    const body = `Your account is active. Log in at http://localhost to get started.`;
-    await this.log(email, subject, body, 'welcome', { businessName });
+    const html = this.buildTemplate({
+      preheader: `${businessName} is all set up on HOA LedgerIQ.`,
+      heading: `You're all set!`,
+      body: `
+        <p>Your account for <strong>${this.esc(businessName)}</strong> is now active.</p>
+        <p>Log in to start managing your HOA's finances, assessments, and investments — all in one place.</p>
+      `,
+      ctaText: 'Go to Dashboard',
+      ctaUrl: `${appUrl}/dashboard`,
+      footer: 'If you have any questions, just reply to this email and we\'ll help you get started.',
+    });
+
+    await this.send(email, subject, html, 'welcome', { businessName });
   }
 
   async sendPaymentFailedEmail(email: string, businessName: string): Promise<void> {
-    const subject = `Payment failed for ${businessName} on HOA LedgerIQ`;
-    const body = `We were unable to process your payment. Please update your payment method.`;
-    await this.log(email, subject, body, 'payment_failed', { businessName });
+    const subject = `Action required: Payment failed for ${businessName}`;
+    const html = this.buildTemplate({
+      preheader: 'We were unable to process your payment.',
+      heading: 'Payment Failed',
+      body: `
+        <p>We were unable to process the latest payment for <strong>${this.esc(businessName)}</strong>.</p>
+        <p>Please update your payment method to avoid any interruption to your service.</p>
+      `,
+      ctaText: 'Update Payment Method',
+      ctaUrl: `${this.configService.get<string>('APP_URL') || 'https://app.hoaledgeriq.com'}/settings`,
+      footer: 'If you believe this is an error, please reply to this email and we\'ll look into it.',
+    });
+
+    await this.send(email, subject, html, 'payment_failed', { businessName });
   }
 
   async sendInviteMemberEmail(email: string, orgName: string, inviteUrl: string): Promise<void> {
     const subject = `You've been invited to ${orgName} on HOA LedgerIQ`;
-    const body = `You've been invited to join ${orgName}. Click here to accept: ${inviteUrl}`;
-    await this.log(email, subject, body, 'invite_member', { orgName, inviteUrl });
+    const html = this.buildTemplate({
+      preheader: `Join ${orgName} on HOA LedgerIQ.`,
+      heading: 'You\'re Invited!',
+      body: `
+        <p>You've been invited to join <strong>${this.esc(orgName)}</strong> on HOA LedgerIQ.</p>
+        <p>Click below to accept the invitation and set up your account:</p>
+      `,
+      ctaText: 'Accept Invitation',
+      ctaUrl: inviteUrl,
+      footer: 'This invitation link expires in 7 days. If you were not expecting this, please ignore this email.',
+    });
+
+    await this.send(email, subject, html, 'invite_member', { orgName, inviteUrl });
   }
 
+  async sendPasswordResetEmail(email: string, resetUrl: string): Promise<void> {
+    const subject = 'Reset your HOA LedgerIQ password';
+    const html = this.buildTemplate({
+      preheader: 'Password reset requested for your HOA LedgerIQ account.',
+      heading: 'Password Reset',
+      body: `
+        <p>We received a request to reset your password. Click the button below to choose a new one:</p>
+      `,
+      ctaText: 'Reset Password',
+      ctaUrl: resetUrl,
+      footer: 'This link expires in 1 hour. If you did not request a password reset, please ignore this email — your password will remain unchanged.',
+    });
+
+    await this.send(email, subject, html, 'password_reset', { resetUrl });
+  }
+
+  // ─── Core send logic ────────────────────────────────────────
+
+  private async send(
+    toEmail: string,
+    subject: string,
+    html: string,
+    template: string,
+    metadata: Record<string, any>,
+  ): Promise<void> {
+    // Always log to the database
+    await this.log(toEmail, subject, html, template, metadata);
+
+    if (!this.resend) {
+      this.logger.log(`📧 EMAIL STUB → ${toEmail}`);
+      this.logger.log(`   Subject: ${subject}`);
+      return;
+    }
+
+    try {
+      const result = await this.resend.emails.send({
+        from: this.fromAddress,
+        to: [toEmail],
+        replyTo: this.replyToAddress || undefined,
+        subject,
+        html,
+      });
+
+      if (result.error) {
+        this.logger.error(`Resend error for ${toEmail}: ${JSON.stringify(result.error)}`);
+        await this.updateLogStatus(toEmail, template, 'failed', result.error.message);
+      } else {
+        this.logger.log(`✅ Email sent to ${toEmail} (id: ${result.data?.id})`);
+        await this.updateLogStatus(toEmail, template, 'sent', result.data?.id);
+      }
+    } catch (err: any) {
+      this.logger.error(`Failed to send email to ${toEmail}: ${err.message}`);
+      await this.updateLogStatus(toEmail, template, 'failed', err.message);
+    }
+  }
+
+  // ─── Database logging ───────────────────────────────────────
+
   private async log(
     toEmail: string,
     subject: string,
@@ -52,10 +161,6 @@ export class EmailService {
     template: string,
     metadata: Record<string, any>,
   ): Promise<void> {
-    this.logger.log(`📧 EMAIL STUB → ${toEmail}`);
-    this.logger.log(`   Subject: ${subject}`);
-    this.logger.log(`   Body:\n${body}`);
-
     try {
       await this.dataSource.query(
         `INSERT INTO shared.email_log (to_email, subject, body, template, metadata)
@@ -66,4 +171,119 @@ export class EmailService {
       this.logger.warn(`Failed to log email: ${err}`);
     }
   }
+
+  private async updateLogStatus(toEmail: string, template: string, status: string, detail?: string): Promise<void> {
+    try {
+      await this.dataSource.query(
+        `UPDATE shared.email_log
+         SET metadata = metadata || $1::jsonb
+         WHERE to_email = $2 AND template = $3
+           AND created_at = (
+             SELECT MAX(created_at) FROM shared.email_log
+             WHERE to_email = $2 AND template = $3
+           )`,
+        [JSON.stringify({ send_status: status, send_detail: detail || '' }), toEmail, template],
+      );
+    } catch {
+      // Best effort — don't block the flow
+    }
+  }
+
+  // ─── HTML email template ────────────────────────────────────
+
+  private esc(text: string): string {
+    return text.replace(/&/g, '&amp;').replace(/</g, '&lt;').replace(/>/g, '&gt;');
+  }
+
+  private buildTemplate(opts: {
+    preheader: string;
+    heading: string;
+    body: string;
+    ctaText: string;
+    ctaUrl: string;
+    footer: string;
+  }): string {
+    return `<!DOCTYPE html>
+<html lang="en">
+<head>
+  <meta charset="UTF-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1.0">
+  <title>${this.esc(opts.heading)}</title>
+  <!--[if mso]><noscript><xml><o:OfficeDocumentSettings><o:PixelsPerInch>96</o:PixelsPerInch></o:OfficeDocumentSettings></xml></noscript><![endif]-->
+</head>
+<body style="margin:0;padding:0;background-color:#f4f5f7;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;">
+  <!-- Preheader (hidden preview text) -->
+  <div style="display:none;max-height:0;overflow:hidden;">${this.esc(opts.preheader)}</div>
+
+  <table role="presentation" width="100%" cellpadding="0" cellspacing="0" style="background-color:#f4f5f7;padding:24px 0;">
+    <tr>
+      <td align="center">
+        <table role="presentation" width="600" cellpadding="0" cellspacing="0" style="max-width:600px;width:100%;">
+
+          <!-- Logo bar -->
+          <tr>
+            <td align="center" style="padding:24px 0 16px;">
+              <span style="font-size:22px;font-weight:700;color:#1a73e8;letter-spacing:-0.5px;">
+                HOA LedgerIQ
+              </span>
+            </td>
+          </tr>
+
+          <!-- Main card -->
+          <tr>
+            <td>
+              <table role="presentation" width="100%" cellpadding="0" cellspacing="0"
+                style="background-color:#ffffff;border-radius:8px;overflow:hidden;box-shadow:0 1px 3px rgba(0,0,0,0.08);">
+                <tr>
+                  <td style="padding:40px 32px;">
+                    <h1 style="margin:0 0 16px;font-size:24px;font-weight:700;color:#1a1a2e;">
+                      ${this.esc(opts.heading)}
+                    </h1>
+                    <div style="font-size:15px;line-height:1.6;color:#4a4a68;">
+                      ${opts.body}
+                    </div>
+
+                    <!-- CTA Button -->
+                    <table role="presentation" cellpadding="0" cellspacing="0" style="margin:28px 0 8px;">
+                      <tr>
+                        <td align="center" style="background-color:#1a73e8;border-radius:6px;">
+                          <a href="${opts.ctaUrl}"
+                            target="_blank"
+                            style="display:inline-block;padding:14px 32px;color:#ffffff;font-size:15px;font-weight:600;text-decoration:none;border-radius:6px;">
+                            ${this.esc(opts.ctaText)}
+                          </a>
+                        </td>
+                      </tr>
+                    </table>
+
+                    <!-- Fallback URL -->
+                    <p style="font-size:12px;color:#999;word-break:break-all;margin-top:16px;">
+                      If the button doesn't work, copy and paste this link into your browser:<br>
+                      <a href="${opts.ctaUrl}" style="color:#1a73e8;">${opts.ctaUrl}</a>
+                    </p>
+                  </td>
+                </tr>
+              </table>
+            </td>
+          </tr>
+
+          <!-- Footer -->
+          <tr>
+            <td style="padding:24px 32px;text-align:center;">
+              <p style="font-size:12px;color:#999;line-height:1.5;margin:0;">
+                ${this.esc(opts.footer)}
+              </p>
+              <p style="font-size:12px;color:#bbb;margin:12px 0 0;">
+                &copy; ${new Date().getFullYear()} HOA LedgerIQ &mdash; Smart Financial Management for HOAs
+              </p>
+            </td>
+          </tr>
+
+        </table>
+      </td>
+    </tr>
+  </table>
+</body>
+</html>`;
+  }
 }

db/migrations/016-password-reset-tokens.sql

@@ -0,0 +1,25 @@
+-- Migration 016: Password Reset Tokens
+-- Adds table for password reset token storage (hashed, single-use, short-lived).
+
+CREATE TABLE IF NOT EXISTS shared.password_reset_tokens (
+    id UUID PRIMARY KEY DEFAULT uuid_generate_v4(),
+    user_id UUID NOT NULL REFERENCES shared.users(id) ON DELETE CASCADE,
+    token_hash VARCHAR(255) UNIQUE NOT NULL,
+    expires_at TIMESTAMPTZ NOT NULL,
+    used_at TIMESTAMPTZ,
+    created_at TIMESTAMPTZ DEFAULT NOW()
+);
+
+CREATE INDEX IF NOT EXISTS idx_password_reset_tokens_hash ON shared.password_reset_tokens(token_hash);
+CREATE INDEX IF NOT EXISTS idx_password_reset_tokens_user ON shared.password_reset_tokens(user_id);
+
+-- Also ensure email_log table exists (may not exist if migration 015 hasn't been applied)
+CREATE TABLE IF NOT EXISTS shared.email_log (
+    id UUID PRIMARY KEY DEFAULT uuid_generate_v4(),
+    to_email VARCHAR(255) NOT NULL,
+    subject VARCHAR(500) NOT NULL,
+    body TEXT,
+    template VARCHAR(100),
+    metadata JSONB,
+    sent_at TIMESTAMPTZ DEFAULT NOW()
+);

docker-compose.prod.yml

@@ -40,6 +40,25 @@ services:
       - NEW_RELIC_ENABLED=${NEW_RELIC_ENABLED:-false}
       - NEW_RELIC_LICENSE_KEY=${NEW_RELIC_LICENSE_KEY:-}
       - NEW_RELIC_APP_NAME=${NEW_RELIC_APP_NAME:-HOALedgerIQ_App}
+      - STRIPE_SECRET_KEY=${STRIPE_SECRET_KEY:-}
+      - STRIPE_WEBHOOK_SECRET=${STRIPE_WEBHOOK_SECRET:-}
+      - STRIPE_STARTER_PRICE_ID=${STRIPE_STARTER_PRICE_ID:-}
+      - STRIPE_PROFESSIONAL_PRICE_ID=${STRIPE_PROFESSIONAL_PRICE_ID:-}
+      - STRIPE_ENTERPRISE_PRICE_ID=${STRIPE_ENTERPRISE_PRICE_ID:-}
+      - GOOGLE_CLIENT_ID=${GOOGLE_CLIENT_ID:-}
+      - GOOGLE_CLIENT_SECRET=${GOOGLE_CLIENT_SECRET:-}
+      - GOOGLE_CALLBACK_URL=${GOOGLE_CALLBACK_URL:-https://app.hoaledgeriq.com/api/auth/google/callback}
+      - AZURE_CLIENT_ID=${AZURE_CLIENT_ID:-}
+      - AZURE_CLIENT_SECRET=${AZURE_CLIENT_SECRET:-}
+      - AZURE_TENANT_ID=${AZURE_TENANT_ID:-}
+      - AZURE_CALLBACK_URL=${AZURE_CALLBACK_URL:-https://app.hoaledgeriq.com/api/auth/azure/callback}
+      - WEBAUTHN_RP_ID=${WEBAUTHN_RP_ID:-app.hoaledgeriq.com}
+      - WEBAUTHN_RP_ORIGIN=${WEBAUTHN_RP_ORIGIN:-https://app.hoaledgeriq.com}
+      - INVITE_TOKEN_SECRET=${INVITE_TOKEN_SECRET:-}
+      - APP_URL=${APP_URL:-https://app.hoaledgeriq.com}
+      - RESEND_API_KEY=${RESEND_API_KEY:-}
+      - RESEND_FROM_ADDRESS=${RESEND_FROM_ADDRESS:-noreply@hoaledgeriq.com}
+      - RESEND_REPLY_TO=${RESEND_REPLY_TO:-sales@hoaledgeriq.com}
     deploy:
       resources:
         limits:

docker-compose.yml

@@ -44,6 +44,10 @@ services:
       - WEBAUTHN_RP_ID=${WEBAUTHN_RP_ID:-localhost}
       - WEBAUTHN_RP_ORIGIN=${WEBAUTHN_RP_ORIGIN:-http://localhost}
       - INVITE_TOKEN_SECRET=${INVITE_TOKEN_SECRET:-dev-invite-secret}
+      - APP_URL=${APP_URL:-http://localhost}
+      - RESEND_API_KEY=${RESEND_API_KEY:-}
+      - RESEND_FROM_ADDRESS=${RESEND_FROM_ADDRESS:-noreply@hoaledgeriq.com}
+      - RESEND_REPLY_TO=${RESEND_REPLY_TO:-}
     volumes:
       - ./backend/src:/app/src
       - ./backend/nest-cli.json:/app/nest-cli.json

frontend/src/pages/board-planning/components/ProjectionChart.tsx

@@ -89,20 +89,20 @@ export function ProjectionChart({ datapoints, title = 'Financial Projection', su
         <AreaChart data={chartData}>
           <defs>
             <linearGradient id="opCash" x1="0" y1="0" x2="0" y2="1">
-              <stop offset="5%" stopColor="#228be6" stopOpacity={0.3} />
-              <stop offset="95%" stopColor="#228be6" stopOpacity={0} />
+              <stop offset="5%" stopColor="#228be6" stopOpacity={0.6} />
+              <stop offset="95%" stopColor="#228be6" stopOpacity={0.15} />
             </linearGradient>
             <linearGradient id="opInv" x1="0" y1="0" x2="0" y2="1">
-              <stop offset="5%" stopColor="#74c0fc" stopOpacity={0.3} />
-              <stop offset="95%" stopColor="#74c0fc" stopOpacity={0} />
+              <stop offset="5%" stopColor="#74c0fc" stopOpacity={0.6} />
+              <stop offset="95%" stopColor="#74c0fc" stopOpacity={0.15} />
             </linearGradient>
             <linearGradient id="resCash" x1="0" y1="0" x2="0" y2="1">
-              <stop offset="5%" stopColor="#7950f2" stopOpacity={0.3} />
-              <stop offset="95%" stopColor="#7950f2" stopOpacity={0} />
+              <stop offset="5%" stopColor="#7950f2" stopOpacity={0.6} />
+              <stop offset="95%" stopColor="#7950f2" stopOpacity={0.15} />
             </linearGradient>
             <linearGradient id="resInv" x1="0" y1="0" x2="0" y2="1">
-              <stop offset="5%" stopColor="#b197fc" stopOpacity={0.3} />
-              <stop offset="95%" stopColor="#b197fc" stopOpacity={0} />
+              <stop offset="5%" stopColor="#b197fc" stopOpacity={0.6} />
+              <stop offset="95%" stopColor="#b197fc" stopOpacity={0.15} />
             </linearGradient>
           </defs>
           <CartesianGrid strokeDasharray="3 3" opacity={0.3} />

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

@@ -1,10 +1,9 @@
 import { useState, useMemo } from 'react';
 import {
-  Title, Text, Stack, Card, Group, SimpleGrid, ThemeIcon,
+  Title, Text, Stack, Card, Group,
   SegmentedControl, Loader, Center, ActionIcon, Tooltip, Badge,
 } from '@mantine/core';
 import {
-  IconCash, IconBuildingBank, IconChartAreaLine,
   IconArrowLeft, IconArrowRight, IconCalendar,
 } from '@tabler/icons-react';
 import { useQuery } from '@tanstack/react-query';
@@ -108,30 +107,6 @@ export function CashFlowForecastPage() {
     return datapoints.slice(viewStartIndex, viewStartIndex + 12);
   }, [datapoints, viewStartIndex]);
 
-  // Compute summary stats for the current view
-  const summaryStats = useMemo(() => {
-    if (!viewData.length) return null;
-    const last = viewData[viewData.length - 1];
-    const first = viewData[0];
-
-    const totalOperating = last.operating_cash + last.operating_investments;
-    const totalReserve = last.reserve_cash + last.reserve_investments;
-    const totalAll = totalOperating + totalReserve;
-
-    const firstTotal = first.operating_cash + first.operating_investments +
-      first.reserve_cash + first.reserve_investments;
-    const netChange = totalAll - firstTotal;
-
-    return {
-      totalOperating,
-      totalReserve,
-      totalAll,
-      netChange,
-      periodStart: first.month,
-      periodEnd: last.month,
-    };
-  }, [viewData]);
-
   // Determine the first forecast month index within the view
   const forecastStartLabel = useMemo(() => {
     const idx = viewData.findIndex((d) => d.is_forecast);
@@ -181,65 +156,6 @@ export function CashFlowForecastPage() {
         />
       </Group>
 
-      {/* Summary Cards */}
-      {summaryStats && (
-        <SimpleGrid cols={{ base: 1, sm: 2, lg: 4 }}>
-          <Card withBorder p="md">
-            <Group gap="xs" mb={4}>
-              <ThemeIcon variant="light" color="blue" size="sm">
-                <IconCash size={14} />
-              </ThemeIcon>
-              <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Operating Total</Text>
-            </Group>
-            <Text fw={700} size="xl" ff="monospace">
-              {fmt(summaryStats.totalOperating)}
-            </Text>
-          </Card>
-          <Card withBorder p="md">
-            <Group gap="xs" mb={4}>
-              <ThemeIcon variant="light" color="violet" size="sm">
-                <IconBuildingBank size={14} />
-              </ThemeIcon>
-              <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Reserve Total</Text>
-            </Group>
-            <Text fw={700} size="xl" ff="monospace">
-              {fmt(summaryStats.totalReserve)}
-            </Text>
-          </Card>
-          <Card withBorder p="md">
-            <Group gap="xs" mb={4}>
-              <ThemeIcon variant="light" color="teal" size="sm">
-                <IconChartAreaLine size={14} />
-              </ThemeIcon>
-              <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Combined Total</Text>
-            </Group>
-            <Text fw={700} size="xl" ff="monospace">
-              {fmt(summaryStats.totalAll)}
-            </Text>
-          </Card>
-          <Card withBorder p="md">
-            <Group gap="xs" mb={4}>
-              <ThemeIcon
-                variant="light"
-                color={summaryStats.netChange >= 0 ? 'green' : 'red'}
-                size="sm"
-              >
-                <IconCash size={14} />
-              </ThemeIcon>
-              <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Period Change</Text>
-            </Group>
-            <Text
-              fw={700}
-              size="xl"
-              ff="monospace"
-              c={summaryStats.netChange >= 0 ? 'green' : 'red'}
-            >
-              {fmt(summaryStats.netChange)}
-            </Text>
-          </Card>
-        </SimpleGrid>
-      )}
-
       {/* Chart Navigation */}
       <Card withBorder p="lg">
         <Group justify="space-between" mb="md">
@@ -287,20 +203,20 @@ export function CashFlowForecastPage() {
           <AreaChart data={chartData} margin={{ top: 10, right: 30, left: 10, bottom: 0 }}>
             <defs>
               <linearGradient id="opCash" x1="0" y1="0" x2="0" y2="1">
-                <stop offset="5%" stopColor="#339af0" stopOpacity={0.4} />
-                <stop offset="95%" stopColor="#339af0" stopOpacity={0.05} />
+                <stop offset="5%" stopColor="#339af0" stopOpacity={0.6} />
+                <stop offset="95%" stopColor="#339af0" stopOpacity={0.15} />
               </linearGradient>
               <linearGradient id="opInv" x1="0" y1="0" x2="0" y2="1">
-                <stop offset="5%" stopColor="#74c0fc" stopOpacity={0.4} />
-                <stop offset="95%" stopColor="#74c0fc" stopOpacity={0.05} />
+                <stop offset="5%" stopColor="#74c0fc" stopOpacity={0.6} />
+                <stop offset="95%" stopColor="#74c0fc" stopOpacity={0.15} />
               </linearGradient>
               <linearGradient id="resCash" x1="0" y1="0" x2="0" y2="1">
-                <stop offset="5%" stopColor="#7950f2" stopOpacity={0.4} />
-                <stop offset="95%" stopColor="#7950f2" stopOpacity={0.05} />
+                <stop offset="5%" stopColor="#7950f2" stopOpacity={0.6} />
+                <stop offset="95%" stopColor="#7950f2" stopOpacity={0.15} />
               </linearGradient>
               <linearGradient id="resInv" x1="0" y1="0" x2="0" y2="1">
-                <stop offset="5%" stopColor="#b197fc" stopOpacity={0.4} />
-                <stop offset="95%" stopColor="#b197fc" stopOpacity={0.05} />
+                <stop offset="5%" stopColor="#b197fc" stopOpacity={0.6} />
+                <stop offset="95%" stopColor="#b197fc" stopOpacity={0.15} />
               </linearGradient>
             </defs>
             <CartesianGrid strokeDasharray="3 3" stroke="#e9ecef" />

frontend/src/pages/pricing/PricingPage.tsx

@@ -47,11 +47,12 @@ const plans = [
   {
     id: 'enterprise',
     name: 'Enterprise',
-    price: '$199',
-    period: '/month',
+    price: 'Custom',
+    period: '',
     description: 'For large communities and management firms',
     icon: IconCrown,
     color: 'orange',
+    externalUrl: 'https://www.hoaledgeriq.com/#preview-signup',
     features: [
       { text: 'Unlimited units', included: true },
       { text: 'Everything in Professional', included: true },
@@ -162,10 +163,10 @@ export function PricingPage() {
               </Group>
 
               <Group align="baseline" gap={4}>
-                <Text fw={800} size="xl" ff="monospace" style={{ fontSize: 36 }}>
-                  {plan.price}
+                <Text fw={800} size="xl" ff="monospace" style={{ fontSize: plan.externalUrl ? 28 : 36 }}>
+                  {plan.externalUrl ? 'Request Quote' : plan.price}
                 </Text>
-                <Text size="sm" c="dimmed">{plan.period}</Text>
+                {plan.period && <Text size="sm" c="dimmed">{plan.period}</Text>}
               </Group>
 
               <List spacing="xs" size="sm" center>
@@ -193,10 +194,14 @@ export function PricingPage() {
                 size="md"
                 color={plan.color}
                 variant={plan.popular ? 'filled' : 'light'}
-                loading={loading === plan.id}
-                onClick={() => handleSelectPlan(plan.id)}
+                loading={!plan.externalUrl ? loading === plan.id : false}
+                onClick={() =>
+                  plan.externalUrl
+                    ? window.open(plan.externalUrl, '_blank', 'noopener')
+                    : handleSelectPlan(plan.id)
+                }
               >
-                Get Started
+                {plan.externalUrl ? 'Request Quote' : 'Get Started'}
               </Button>
             </Stack>
           </Card>

nginx/host-production.conf

@@ -12,6 +12,9 @@
 #
 # Replace "app.yourdomain.com" with your actual hostname throughout this file.
 
+# Hide nginx version from Server header
+server_tokens off;
+
 # --- Rate limiting ---
 # 10 requests/sec per IP for API routes (shared memory zone: 10 MB ≈ 160k IPs)
 limit_req_zone $binary_remote_addr zone=api_limit:10m rate=10r/s;
@@ -49,6 +52,12 @@ server {
     ssl_session_timeout 10m;
     add_header Strict-Transport-Security "max-age=31536000; includeSubDomains" always;
 
+    # Security headers — applied to all routes
+    add_header X-Frame-Options "SAMEORIGIN" always;
+    add_header X-Content-Type-Options "nosniff" always;
+    add_header Referrer-Policy "no-referrer" always;
+    add_header Permissions-Policy "camera=(), microphone=(), geolocation=()" always;
+
     # --- Proxy defaults ---
     proxy_http_version 1.1;
     proxy_set_header Host $host;

nginx/production.conf

@@ -8,6 +8,9 @@ upstream frontend {
     keepalive 16;
 }
 
+# Hide nginx version from Server header
+server_tokens off;
+
 # Shared proxy settings
 proxy_http_version 1.1;
 proxy_set_header Connection "";          # enable keepalive to upstreams
@@ -30,6 +33,12 @@ server {
     listen 80;
     server_name _;
 
+    # Security headers — applied to all routes at the nginx layer
+    add_header X-Frame-Options "SAMEORIGIN" always;
+    add_header X-Content-Type-Options "nosniff" always;
+    add_header Referrer-Policy "no-referrer" always;
+    add_header Permissions-Policy "camera=(), microphone=(), geolocation=()" always;
+
     # --- API routes → backend ---
     location /api/ {
         limit_req zone=api_limit burst=30 nodelay;