diff --git a/.DS_Store b/.DS_Store
index 550843e..436958c 100644
Binary files a/.DS_Store and b/.DS_Store differ
diff --git a/app.vue b/app.vue
index 4a1150f..32ef7bc 100644
--- a/app.vue
+++ b/app.vue
@@ -92,9 +92,6 @@ const isCoopBuilderSection = computed(
     route.path === "/mix" ||
     route.path === "/budget" ||
     route.path === "/runway-lite" ||
-    route.path === "/scenarios" ||
-    route.path === "/cash" ||
-    route.path === "/session" ||
     route.path === "/settings" ||
     route.path === "/glossary"
 );
diff --git a/components/AnnualBudget.vue b/components/AnnualBudget.vue
index dface3c..8d04e2e 100644
--- a/components/AnnualBudget.vue
+++ b/components/AnnualBudget.vue
@@ -239,7 +239,7 @@ const diversificationGuidance = computed(() => {
   if (grantsCategory && grantsCategory.percentage >= 20) {
     guidance += " You've secured meaningful support from grants — consider pairing this with services or product revenue for stability.";
   } else if (servicesCategory && servicesCategory.percentage >= 20 && productsCategory && productsCategory.percentage >= 20) {
-    guidance += " Strong foundation in both services and products — this balance helps smooth cash flow.";
+    guidance += " Strong foundation in both services and products — this balance helps smooth revenue timing.";
   }
   
   return guidance;
diff --git a/components/CoopBuilderSubnav.vue b/components/CoopBuilderSubnav.vue
index f88d367..f0e875a 100644
--- a/components/CoopBuilderSubnav.vue
+++ b/components/CoopBuilderSubnav.vue
@@ -51,21 +51,6 @@ const coopBuilderItems = [
     name: "Runway Lite",
     path: "/runway-lite",
   },
-  {
-    id: "scenarios",
-    name: "Scenarios",
-    path: "/scenarios",
-  },
-  {
-    id: "cash",
-    name: "Cash Flow",
-    path: "/cash",
-  },
-  {
-    id: "session",
-    name: "Value Session",
-    path: "/session",
-  },
 ];
 
 function isActive(path: string): boolean {
diff --git a/components/CoverageChip.vue b/components/CoverageChip.vue
index 1fc3225..64e70cb 100644
--- a/components/CoverageChip.vue
+++ b/components/CoverageChip.vue
@@ -1,11 +1,6 @@
 <template>
   <UTooltip :text="tooltipText">
-    <UBadge
-      :color="badgeColor"
-      variant="solid"
-      size="sm"
-      class="font-medium"
-    >
+    <UBadge :color="badgeColor" variant="solid" size="sm" class="font-medium">
       <UIcon :name="iconName" class="w-3 h-3 mr-1" />
       {{ displayText }}
     </UBadge>
@@ -14,44 +9,46 @@
 
 <script setup lang="ts">
 interface Props {
-  coverageMinPct?: number
-  coverageTargetPct?: number
-  memberName?: string
-  warnIfUnder?: number
+  coveragePct?: number;
+  memberName?: string;
+  warnIfUnder?: number;
 }
 
 const props = withDefaults(defineProps<Props>(), {
   warnIfUnder: 100,
-  memberName: 'member'
-})
+  memberName: "member",
+});
 
-const coverage = computed(() => props.coverageMinPct || 0)
+const coverage = computed(() => props.coveragePct || 0);
 
 const badgeColor = computed(() => {
-  if (coverage.value >= 100) return 'success'
-  if (coverage.value >= 80) return 'warning'
-  return 'error'
-})
+  if (!props.coveragePct) return "neutral";
+  if (coverage.value >= 100) return "success";
+  if (coverage.value >= 80) return "warning";
+  return "error";
+});
 
 const iconName = computed(() => {
-  if (coverage.value >= 100) return 'i-heroicons-check-circle'
-  if (coverage.value >= 80) return 'i-heroicons-exclamation-triangle'
-  return 'i-heroicons-x-circle'
-})
+  if (!props.coveragePct) return "i-heroicons-cog-6-tooth";
+  if (coverage.value >= 100) return "i-heroicons-check-circle";
+  if (coverage.value >= 80) return "i-heroicons-exclamation-triangle";
+  return "i-heroicons-x-circle";
+});
 
 const displayText = computed(() => {
-  if (!props.coverageMinPct) return 'No needs set'
-  return `${Math.round(coverage.value)}% coverage`
-})
+  if (!props.coveragePct) return "Set needs";
+  if (coverage.value === 0) return "No coverage";
+  return `${Math.round(coverage.value)}% covered`;
+});
 
 const tooltipText = computed(() => {
-  if (!props.coverageMinPct) {
-    return `${props.memberName} hasn't set their minimum needs yet`
+  if (!props.coveragePct) {
+    return `Click 'Set minimum needs' to enable coverage tracking for ${props.memberName}`;
   }
-  
-  const percent = Math.round(coverage.value)
-  const status = coverage.value >= 100 ? 'meets' : 'covers'
-  
-  return `${status} ${percent}% of ${props.memberName}'s minimum needs (incl. external income)`
-})
-</script>
\ No newline at end of file
+
+  const percent = Math.round(coverage.value);
+  const status = coverage.value >= 100 ? "meets" : "covers";
+
+  return `Co-op pay ${status} ${percent}% of ${props.memberName}'s minimum needs`;
+});
+</script>
diff --git a/components/PayrollOncostModal.vue b/components/PayrollOncostModal.vue
new file mode 100644
index 0000000..0993cee
--- /dev/null
+++ b/components/PayrollOncostModal.vue
@@ -0,0 +1,278 @@
+<template>
+  <UModal 
+    v-model:open="isOpen" 
+    title="Payroll Oncost Settings"
+    description="Configure payroll taxes and benefits percentage"
+    :dismissible="true"
+  >
+
+    <template #body>
+      <div class="space-y-6">
+        <!-- Explanation -->
+        <div class="bg-blue-50 dark:bg-blue-900/20 p-4 rounded-lg">
+          <div class="flex items-start">
+            <UIcon name="i-heroicons-information-circle" class="h-5 w-5 text-blue-400 mt-0.5 mr-3 flex-shrink-0" />
+            <div class="text-sm">
+              <p class="text-blue-800 dark:text-blue-200 font-medium mb-2">What are payroll oncosts?</p>
+              <p class="text-blue-700 dark:text-blue-300">
+                Payroll oncosts cover taxes, benefits, and other employee-related expenses beyond base wages. 
+                This typically includes employer payroll taxes, worker's compensation, benefits contributions, and other statutory requirements.
+              </p>
+            </div>
+          </div>
+        </div>
+
+        <!-- Current Settings Display -->
+        <div class="bg-gray-50 dark:bg-gray-800 p-4 rounded-lg">
+          <h4 class="font-medium text-gray-900 dark:text-white mb-3">Current Impact</h4>
+          <div class="grid grid-cols-2 gap-4 text-sm">
+            <div>
+              <div class="text-gray-600 dark:text-gray-400">Base Payroll</div>
+              <div class="font-medium">{{ formatCurrency(basePayroll) }}/month</div>
+            </div>
+            <div>
+              <div class="text-gray-600 dark:text-gray-400">Oncosts ({{ currentOncostPct }}%)</div>
+              <div class="font-medium">{{ formatCurrency(currentOncostAmount) }}/month</div>
+            </div>
+          </div>
+          <div class="mt-3 pt-3 border-t border-gray-200 dark:border-gray-700">
+            <div class="text-gray-600 dark:text-gray-400 text-sm">Total Payroll Cost</div>
+            <div class="font-semibold text-lg">{{ formatCurrency(totalPayrollCost) }}/month</div>
+          </div>
+        </div>
+
+        <!-- Percentage Input -->
+        <div class="space-y-3">
+          <label class="block text-sm font-medium text-gray-700 dark:text-gray-300">
+            Oncost Percentage
+          </label>
+          
+          <div class="flex items-center space-x-3">
+            <div class="flex-1">
+              <UInput
+                v-model.number="newOncostPct"
+                type="number"
+                min="0"
+                max="100"
+                step="1"
+                placeholder="25"
+                class="text-center"
+              />
+            </div>
+            <span class="text-sm text-gray-500">%</span>
+          </div>
+
+          <!-- Slider for easier adjustment -->
+          <div class="space-y-2">
+            <input
+              v-model.number="newOncostPct"
+              type="range"
+              min="0"
+              max="50"
+              step="1"
+              class="w-full h-2 bg-gray-200 rounded-lg appearance-none cursor-pointer dark:bg-gray-700 slider"
+            />
+            <div class="flex justify-between text-xs text-gray-500">
+              <span>0%</span>
+              <span>25%</span>
+              <span>50%</span>
+            </div>
+          </div>
+        </div>
+
+        <!-- Preview of New Settings -->
+        <div v-if="newOncostPct !== currentOncostPct" class="bg-green-50 dark:bg-green-900/20 p-4 rounded-lg">
+          <h4 class="font-medium text-green-800 dark:text-green-200 mb-3">Preview Changes</h4>
+          <div class="grid grid-cols-2 gap-4 text-sm">
+            <div>
+              <div class="text-green-700 dark:text-green-300">New Oncosts ({{ newOncostPct }}%)</div>
+              <div class="font-medium">{{ formatCurrency(newOncostAmount) }}/month</div>
+            </div>
+            <div>
+              <div class="text-green-700 dark:text-green-300">New Total Cost</div>
+              <div class="font-medium">{{ formatCurrency(newTotalCost) }}/month</div>
+            </div>
+          </div>
+          <div class="mt-2 text-xs">
+            <span class="text-green-700 dark:text-green-300">
+              {{ newTotalCost > totalPayrollCost ? 'Increase' : 'Decrease' }} of 
+              {{ formatCurrency(Math.abs(newTotalCost - totalPayrollCost)) }}/month
+            </span>
+          </div>
+        </div>
+
+        <!-- Common Oncost Ranges -->
+        <div class="space-y-2">
+          <label class="block text-sm font-medium text-gray-700 dark:text-gray-300">
+            Common Ranges
+          </label>
+          <div class="flex flex-wrap gap-2">
+            <UButton
+              v-for="preset in commonRanges"
+              :key="preset.value"
+              size="xs"
+              color="gray"
+              variant="outline"
+              @click="newOncostPct = preset.value"
+            >
+              {{ preset.label }}
+            </UButton>
+          </div>
+        </div>
+      </div>
+    </template>
+
+    <template #footer="{ close }">
+      <div class="flex justify-end gap-3">
+        <UButton color="gray" variant="ghost" @click="handleCancel">
+          Cancel
+        </UButton>
+        <UButton 
+          color="primary" 
+          @click="handleSave"
+          :disabled="!isValidPercentage"
+        >
+          Update Oncost Percentage
+        </UButton>
+      </div>
+    </template>
+  </UModal>
+</template>
+
+<script setup lang="ts">
+import { allocatePayroll as allocatePayrollImpl } from '~/types/members'
+
+interface Props {
+  open: boolean
+}
+
+interface Emits {
+  (e: 'update:open', value: boolean): void
+  (e: 'save', percentage: number): void
+}
+
+const props = defineProps<Props>()
+const emit = defineEmits<Emits>()
+
+// Modal state
+const isOpen = computed({
+  get: () => props.open,
+  set: (value) => emit('update:open', value)
+})
+
+// Get current payroll data
+const coopStore = useCoopBuilderStore()
+const currentOncostPct = computed(() => coopStore.payrollOncostPct || 0)
+
+// Calculate current payroll values using the same logic as the budget store
+const { allocatePayroll } = useCoopBuilder()
+
+const basePayroll = computed(() => {
+  // Calculate base payroll the same way the budget store does
+  const totalHours = coopStore.members.reduce((sum, m) => sum + (m.hoursPerMonth || (m.hoursPerWeek ? m.hoursPerWeek * 4.33 : 0)), 0)
+  const hourlyWage = coopStore.equalHourlyWage || 0
+  const basePayrollBudget = totalHours * hourlyWage
+  
+  if (basePayrollBudget > 0 && coopStore.members.length > 0) {
+    // Use policy-driven allocation to get actual member pay amounts
+    const payPolicy = {
+      relationship: coopStore.policy.relationship,
+      roleBands: coopStore.policy.roleBands
+    }
+    
+    // Convert members to the format expected by allocatePayroll
+    const membersForAllocation = coopStore.members.map(m => ({
+      ...m,
+      displayName: m.name,
+      monthlyPayPlanned: m.monthlyPayPlanned || 0,
+      minMonthlyNeeds: m.minMonthlyNeeds || 0,
+      hoursPerMonth: m.hoursPerMonth || (m.hoursPerWeek ? m.hoursPerWeek * 4.33 : 0)
+    }))
+    
+    // Use the imported allocatePayroll function
+    const allocatedMembers = allocatePayrollImpl(membersForAllocation, payPolicy, basePayrollBudget)
+    
+    // Sum the allocated amounts for total payroll
+    return allocatedMembers.reduce((sum, m) => sum + (m.monthlyPayPlanned || 0), 0)
+  }
+  
+  return 0
+})
+
+const currentOncostAmount = computed(() => 
+  basePayroll.value * (currentOncostPct.value / 100)
+)
+
+const totalPayrollCost = computed(() => 
+  basePayroll.value + currentOncostAmount.value
+)
+
+// New percentage input
+const newOncostPct = ref(currentOncostPct.value)
+
+// Computed values for preview
+const newOncostAmount = computed(() => basePayroll.value * (newOncostPct.value / 100))
+const newTotalCost = computed(() => basePayroll.value + newOncostAmount.value)
+
+const isValidPercentage = computed(() => 
+  newOncostPct.value >= 0 && newOncostPct.value <= 100
+)
+
+// Common oncost ranges
+const commonRanges = [
+  { label: '0% (No oncosts)', value: 0 },
+  { label: '15% (Basic)', value: 15 },
+  { label: '25% (Standard)', value: 25 },
+  { label: '35% (Comprehensive)', value: 35 }
+]
+
+// Reset to current value when modal opens
+watch(isOpen, (open) => {
+  if (open) {
+    newOncostPct.value = currentOncostPct.value
+  }
+})
+
+// Handlers
+function handleCancel() {
+  newOncostPct.value = currentOncostPct.value
+  isOpen.value = false
+}
+
+function handleSave() {
+  if (isValidPercentage.value) {
+    emit('save', newOncostPct.value)
+    isOpen.value = false
+  }
+}
+
+// Currency formatting
+function formatCurrency(amount: number): string {
+  return new Intl.NumberFormat('en-US', {
+    style: 'currency',
+    currency: 'USD',
+    minimumFractionDigits: 0,
+    maximumFractionDigits: 0,
+  }).format(amount)
+}
+</script>
+
+<style scoped>
+.slider::-webkit-slider-thumb {
+  appearance: none;
+  height: 20px;
+  width: 20px;
+  border-radius: 50%;
+  background: #3b82f6;
+  cursor: pointer;
+}
+
+.slider::-moz-range-thumb {
+  height: 20px;
+  width: 20px;
+  border-radius: 50%;
+  background: #3b82f6;
+  cursor: pointer;
+  border: none;
+}
+</style>
\ No newline at end of file
diff --git a/components/WizardCostsStep.vue b/components/WizardCostsStep.vue
index efe8792..7e17674 100644
--- a/components/WizardCostsStep.vue
+++ b/components/WizardCostsStep.vue
@@ -1,42 +1,14 @@
 <template>
   <div class="max-w-4xl mx-auto space-y-6">
-    <!-- Section Header with Export Controls -->
-    <div class="flex items-center justify-between mb-8">
-      <div>
-        <h3 class="text-2xl font-black text-black mb-2">
-          Where does your money go?
-        </h3>
-        <p class="text-neutral-600">
-          Add costs like rent, tools, insurance, or other recurring expenses.
-        </p>
-      </div>
-      <div class="flex items-center gap-3">
-        <UButton variant="outline" color="gray" size="sm" @click="exportCosts">
-          <UIcon name="i-heroicons-arrow-down-tray" class="mr-1" />
-          Export
-        </UButton>
-      </div>
-    </div>
-
-    <!-- Operating Mode Toggle -->
-    <div class="p-4 border-3 border-black rounded-xl bg-white shadow-md">
-      <div class="flex items-center justify-between">
-        <div>
-          <h4 class="font-bold text-sm">Operating Mode</h4>
-          <p class="text-xs text-gray-600 mt-1">
-            Choose between minimum needs or target pay for payroll calculations
-          </p>
-        </div>
-        <UToggle
-          v-model="useTargetMode"
-          @update:model-value="updateOperatingMode"
-          :ui="{ active: 'bg-success-500' }"
-        />
-      </div>
-      <div class="mt-2 text-xs font-medium">
-        {{ useTargetMode ? '🎯 Target Mode' : '⚡ Minimum Mode' }}:
-        {{ useTargetMode ? 'Uses target pay allocations' : 'Uses minimum needs allocations' }}
-      </div>
+    <!-- Section Header -->
+    <div class="mb-8">
+      <h3 class="text-2xl font-black text-black mb-2">
+        Where does your money go?
+      </h3>
+      <p class="text-neutral-600">
+        Add costs like rent + utilities, software licenses, insurance, lawyer
+        fees, accountant fees, and other recurring expenses.
+      </p>
     </div>
 
     <!-- Overhead Costs -->
@@ -44,24 +16,12 @@
       <div
         v-if="overheadCosts.length > 0"
         class="flex items-center justify-between">
-        <h4 class="text-lg font-bold text-black">Monthly Overhead</h4>
-        <UButton
-          size="sm"
-          @click="addOverheadCost"
-          variant="solid"
-          color="success"
-          :ui="{
-            base: 'cursor-pointer hover:scale-105 transition-transform',
-            leadingIcon: 'hover:rotate-90 transition-transform',
-          }">
-          <UIcon name="i-heroicons-plus" class="mr-1" />
-          Add Cost
-        </UButton>
+        <h4 class="text-lg font-bold text-black">Overhead</h4>
       </div>
 
       <div
         v-if="overheadCosts.length === 0"
-        class="text-center py-12 border-4 border-dashed border-black rounded-xl bg-white shadow-lg">
+        class="text-center py-12 border-2 border-dashed border-neutral-300 rounded-xl bg-white shadow-sm">
         <h4 class="font-medium text-neutral-900 mb-2">No overhead costs yet</h4>
         <p class="text-sm text-neutral-500 mb-4">
           Get started by adding your first overhead cost.
@@ -79,48 +39,23 @@
       <div
         v-for="cost in overheadCosts"
         :key="cost.id"
-        class="p-6 border-3 border-black rounded-xl bg-white shadow-md">
-        <div class="grid grid-cols-1 md:grid-cols-3 gap-4">
-          <UFormField label="Cost Name" required>
+        class="p-6 border-2 border-black rounded-xl bg-white shadow-md">
+        <!-- Header row with name and delete button -->
+        <div class="flex items-center justify-between mb-4">
+          <div class="flex items-center gap-4 flex-1">
             <UInput
               v-model="cost.name"
               placeholder="Office rent"
               size="xl"
-              class="text-lg font-medium w-full"
+              class="text-xl w-full font-bold flex-1"
               @update:model-value="saveCost(cost)"
               @blur="saveCost(cost)" />
-          </UFormField>
-
-          <UFormField label="Monthly Amount" required>
-            <UInput
-              v-model="cost.amount"
-              type="text"
-              placeholder="800.00"
-              size="xl"
-              class="text-lg font-bold w-full"
-              @update:model-value="validateAndSaveAmount($event, cost)"
-              @blur="saveCost(cost)">
-              <template #leading>
-                <span class="text-neutral-500">€</span>
-              </template>
-            </UInput>
-          </UFormField>
-
-          <UFormField label="Category">
-            <USelect
-              v-model="cost.category"
-              :items="categoryOptions"
-              size="xl"
-              class="text-lg font-medium w-full"
-              @update:model-value="saveCost(cost)" />
-          </UFormField>
-        </div>
-
-        <div class="flex justify-end mt-6 pt-6 border-t-3 border-black">
+          </div>
           <UButton
             size="xs"
             variant="solid"
             color="error"
+            class="ml-4"
             @click="removeCost(cost.id)"
             :ui="{
               base: 'cursor-pointer hover:opacity-90 transition-opacity',
@@ -128,6 +63,66 @@
             <UIcon name="i-heroicons-trash" class="w-4 h-4" />
           </UButton>
         </div>
+
+        <!-- Fields grid -->
+        <div class="grid grid-cols-1 md:grid-cols-2 gap-4">
+          <UFormField label="Category">
+            <USelect
+              v-model="cost.category"
+              :items="categoryOptions"
+              size="md"
+              class="text-sm font-medium w-full"
+              @update:model-value="saveCost(cost)" />
+          </UFormField>
+
+          <UFormField
+            :label="
+              cost.amountType === 'annual' ? 'Annual Amount' : 'Monthly Amount'
+            "
+            required>
+            <div class="flex gap-2">
+              <UInput
+                :value="
+                  cost.amountType === 'annual' ? cost.annualAmount : cost.amount
+                "
+                type="text"
+                :placeholder="cost.amountType === 'annual' ? '9600' : '800'"
+                size="md"
+                class="text-sm font-medium w-full"
+                @update:model-value="validateAndSaveAmount($event, cost)"
+                @blur="saveCost(cost)">
+                <template #leading>
+                  <span class="text-neutral-500">{{ currencySymbol }}</span>
+                </template>
+              </UInput>
+              <UButtonGroup size="md">
+                <UButton
+                  :variant="cost.amountType === 'monthly' ? 'solid' : 'outline'"
+                  color="primary"
+                  @click="switchAmountType(cost, 'monthly')"
+                  class="text-xs">
+                  Monthly
+                </UButton>
+                <UButton
+                  :variant="cost.amountType === 'annual' ? 'solid' : 'outline'"
+                  color="primary"
+                  @click="switchAmountType(cost, 'annual')"
+                  class="text-xs">
+                  Annual
+                </UButton>
+              </UButtonGroup>
+            </div>
+            <p class="text-xs text-neutral-500 mt-1">
+              <template v-if="cost.amountType === 'annual'">
+                {{ currencySymbol
+                }}{{ Math.round((cost.annualAmount || 0) / 12) }} per month
+              </template>
+              <template v-else>
+                {{ currencySymbol }}{{ (cost.amount || 0) * 12 }} per year
+              </template>
+            </p>
+          </UFormField>
+        </div>
       </div>
 
       <!-- Add Cost Button (when items exist) -->
@@ -155,20 +150,27 @@ const emit = defineEmits<{
   "save-status": [status: "saving" | "saved" | "error"];
 }>();
 
-// Store
+// Store and Currency
 const coop = useCoopBuilder();
+const { currencySymbol } = useCurrency();
 
 // Get the store directly for overhead costs
 const store = useCoopBuilderStore();
 
-// Computed for overhead costs (from store)
-const overheadCosts = computed(() => store.overheadCosts || []);
+// Computed for overhead costs (from store) with amountType defaults
+const overheadCosts = computed(() =>
+  (store.overheadCosts || []).map((cost) => ({
+    ...cost,
+    amountType: cost.amountType || "monthly",
+    annualAmount: cost.annualAmount || (cost.amount || 0) * 12,
+  }))
+);
 
 // Operating mode toggle
-const useTargetMode = ref(coop.operatingMode.value === 'target');
+const useTargetMode = ref(coop.operatingMode.value === "target");
 
 function updateOperatingMode(value: boolean) {
-  coop.setOperatingMode(value ? 'target' : 'min');
+  coop.setOperatingMode(value ? "target" : "min");
   emit("save-status", "saved");
 }
 
@@ -211,23 +213,66 @@ const debouncedSave = useDebounceFn((cost: any) => {
 }, 300);
 
 function saveCost(cost: any) {
-  if (cost.name && cost.amount >= 0) {
+  const hasValidAmount =
+    cost.amountType === "annual" ? cost.annualAmount >= 0 : cost.amount >= 0;
+
+  if (cost.name && hasValidAmount) {
     debouncedSave(cost);
   }
 }
 
+// Immediate save without debounce for UI responsiveness
+function saveCostImmediate(cost: any) {
+  try {
+    // Use store's upsert method directly
+    store.upsertOverheadCost(cost);
+  } catch (error) {
+    console.error("Failed to save cost:", error);
+  }
+}
+
 // Validation function for amount
 function validateAndSaveAmount(value: string, cost: any) {
   const numValue = parseFloat(value.replace(/[^\d.]/g, ""));
-  cost.amount = isNaN(numValue) ? 0 : Math.max(0, numValue);
+  const validValue = isNaN(numValue) ? 0 : Math.max(0, numValue);
+
+  if (cost.amountType === "annual") {
+    cost.annualAmount = validValue;
+    cost.amount = Math.round(validValue / 12);
+  } else {
+    cost.amount = validValue;
+    cost.annualAmount = validValue * 12;
+  }
+
   saveCost(cost);
 }
 
+// Function to switch between annual and monthly
+function switchAmountType(cost: any, type: "annual" | "monthly") {
+  cost.amountType = type;
+
+  // Recalculate values based on new type
+  if (type === "annual") {
+    if (!cost.annualAmount) {
+      cost.annualAmount = (cost.amount || 0) * 12;
+    }
+  } else {
+    if (!cost.amount) {
+      cost.amount = Math.round((cost.annualAmount || 0) / 12);
+    }
+  }
+
+  // Save immediately without debounce for instant UI update
+  saveCostImmediate(cost);
+}
+
 function addOverheadCost() {
   const newCost = {
     id: Date.now().toString(),
     name: "",
     amount: 0,
+    annualAmount: 0,
+    amountType: "monthly",
     category: "Operations",
     recurring: true,
   };
@@ -240,24 +285,4 @@ function removeCost(id: string) {
   store.removeOverheadCost(id);
   emit("save-status", "saved");
 }
-
-function exportCosts() {
-  const exportData = {
-    overheadCosts: overheadCosts.value,
-    exportedAt: new Date().toISOString(),
-    section: "costs",
-  };
-
-  const blob = new Blob([JSON.stringify(exportData, null, 2)], {
-    type: "application/json",
-  });
-  const url = URL.createObjectURL(blob);
-  const a = document.createElement("a");
-  a.href = url;
-  a.download = `coop-costs-${new Date().toISOString().split("T")[0]}.json`;
-  document.body.appendChild(a);
-  a.click();
-  document.body.removeChild(a);
-  URL.revokeObjectURL(url);
-}
 </script>
diff --git a/components/WizardMembersStep.vue b/components/WizardMembersStep.vue
index 39665b2..13fad3f 100644
--- a/components/WizardMembersStep.vue
+++ b/components/WizardMembersStep.vue
@@ -1,36 +1,16 @@
 <template>
   <div class="max-w-4xl mx-auto space-y-6">
-    <!-- Section Header with Export Controls -->
-    <div class="flex items-center justify-between mb-8">
-      <div>
-        <h3 class="text-2xl font-black text-black mb-2">Who's on your team?</h3>
-        <p class="text-neutral-600">
-          Add everyone who'll be working in the co-op, even if they're not ready
-          to be paid yet.
-        </p>
-      </div>
-      <div class="flex items-center gap-3">
-        <UButton
-          variant="outline"
-          color="gray"
-          size="sm"
-          @click="exportMembers">
-          <UIcon name="i-heroicons-arrow-down-tray" class="mr-1" />
-          Export
-        </UButton>
-        <UButton
-          v-if="members.length > 0"
-          @click="addMember"
-          size="sm"
-          variant="solid"
-          color="success"
-          :ui="{
-            base: 'cursor-pointer hover:scale-105 transition-transform',
-            leadingIcon: 'hover:rotate-90 transition-transform',
-          }">
-          <UIcon name="i-heroicons-plus" class="mr-1" />
-          Add member
-        </UButton>
+    <!-- Section Header -->
+    <div class="mb-8">
+      <h3 class="text-2xl font-black text-black mb-2">Who's on your team?</h3>
+      <p class="text-neutral-600">
+        Add everyone who'll be working in the co-op. Based on your pay approach,
+        we'll collect the right information for each person.
+      </p>
+      <!-- Debug info -->
+      <div class="mt-2 p-2 bg-gray-100 rounded text-xs">
+        Debug: Policy = {{ currentPolicy }}, Needs field shown =
+        {{ isNeedsWeighted }}
       </div>
     </div>
 
@@ -38,7 +18,7 @@
     <div class="space-y-3">
       <div
         v-if="members.length === 0"
-        class="text-center py-12 border-4 border-dashed border-black rounded-xl bg-white shadow-lg">
+        class="text-center py-12 border-2 border-dashed border-neutral-300 rounded-xl bg-white shadow-sm">
         <h4 class="font-medium text-neutral-900 mb-2">No team members yet</h4>
         <p class="text-sm text-neutral-500 mb-4">
           Get started by adding your first team member.
@@ -52,27 +32,23 @@
       <div
         v-for="(member, index) in members"
         :key="member.id"
-        class="p-6 border-3 border-black rounded-xl bg-white shadow-md">
-        <!-- Header row with name and coverage chip -->
+        class="p-6 border-2 border-black rounded-xl bg-white shadow-md">
+        <!-- Header row with name and optional coverage chip -->
         <div class="flex items-center justify-between mb-4">
-          <div class="flex items-center gap-3">
+          <div class="flex items-center gap-4 flex-1">
             <UInput
               v-model="member.displayName"
               placeholder="Member name"
-              size="lg"
-              class="text-lg font-bold w-48"
+              size="xl"
+              class="text-xl w-full font-bold flex-1"
               @update:model-value="saveMember(member)"
               @blur="saveMember(member)" />
-            <CoverageChip
-              :coverage-min-pct="memberCoverage(member).minPct"
-              :coverage-target-pct="memberCoverage(member).targetPct"
-              :member-name="member.displayName || 'This member'"
-            />
           </div>
           <UButton
             size="xs"
             variant="solid"
             color="error"
+            class="ml-4"
             @click="removeMember(member.id)"
             :ui="{
               base: 'cursor-pointer hover:opacity-90 transition-opacity',
@@ -80,77 +56,36 @@
             <UIcon name="i-heroicons-trash" class="w-4 h-4" />
           </UButton>
         </div>
-        
-        <!-- Compact grid for pay and hours -->
-        <div class="grid grid-cols-1 md:grid-cols-3 gap-3 mb-3">
-          <UFormField label="Pay relationship" required>
-            <USelect
-              v-model="member.payRelationship"
-              :items="payRelationshipOptions"
+
+        <!-- Essential fields based on policy -->
+        <div class="grid grid-cols-1 md:grid-cols-2 gap-4">
+          <UFormField label="Hours per month" required>
+            <UInputNumber
+              v-model="member.capacity.targetHours"
+              :min="0"
+              :max="500"
+              :step="1"
+              placeholder="160"
               size="md"
               class="text-sm font-medium w-full"
               @update:model-value="saveMember(member)" />
           </UFormField>
 
-          <UFormField label="Hours/month" required>
-            <UInput
-              v-model="member.capacity.targetHours"
-              type="text"
-              placeholder="120"
-              size="md"
-              class="text-sm font-medium w-full"
-              @update:model-value="validateAndSaveHours($event, member)"
-              @blur="saveMember(member)" />
-          </UFormField>
-          
-          <UFormField label="Role (optional)">
-            <UInput
-              v-model="member.role"
-              placeholder="Developer"
-              size="md"
-              class="text-sm font-medium w-full"
-              @update:model-value="saveMember(member)"
-              @blur="saveMember(member)" />
-          </UFormField>
-        </div>
-
-        <!-- Compact needs section -->
-        <div class="grid grid-cols-1 md:grid-cols-3 gap-3 p-3 bg-gray-50 rounded-lg">
-          <div>
-            <label class="text-xs font-medium text-gray-600 mb-1 block">Minimum needs (€/mo)</label>
-            <UInput
+          <!-- Show minimum needs field when needs-weighted policy is selected -->
+          <UFormField
+            v-if="isNeedsWeighted"
+            :label="`Minimum needs (${getCurrencySymbol(coop.currency.value)}/month)`"
+            required>
+            <UInputNumber
               v-model="member.minMonthlyNeeds"
-              type="text"
-              placeholder="2000"
-              size="sm"
+              :min="0"
+              :max="50000"
+              :step="10"
+              placeholder="2500"
+              size="md"
               class="text-sm font-medium w-full"
-              @update:model-value="validateAndSaveAmount($event, member, 'minMonthlyNeeds')"
-              @blur="saveMember(member)" />
-          </div>
-
-          <div>
-            <label class="text-xs font-medium text-gray-600 mb-1 block">Target pay (€/mo)</label>
-            <UInput
-              v-model="member.targetMonthlyPay"
-              type="text"
-              placeholder="3500"
-              size="sm"
-              class="text-sm font-medium w-full"
-              @update:model-value="validateAndSaveAmount($event, member, 'targetMonthlyPay')"
-              @blur="saveMember(member)" />
-          </div>
-
-          <div>
-            <label class="text-xs font-medium text-gray-600 mb-1 block">External income (€/mo)</label>
-            <UInput
-              v-model="member.externalMonthlyIncome"
-              type="text"
-              placeholder="1500"
-              size="sm"
-              class="text-sm font-medium w-full"
-              @update:model-value="validateAndSaveAmount($event, member, 'externalMonthlyIncome')"
-              @blur="saveMember(member)" />
-          </div>
+              @update:model-value="saveMember(member)" />
+          </UFormField>
         </div>
       </div>
 
@@ -176,6 +111,7 @@
 <script setup lang="ts">
 import { useDebounceFn } from "@vueuse/core";
 import { coverage } from "~/types/members";
+import { getCurrencySymbol } from "~/utils/currency";
 
 const emit = defineEmits<{
   "save-status": [status: "saving" | "saved" | "error"];
@@ -183,24 +119,30 @@ const emit = defineEmits<{
 
 // Store
 const coop = useCoopBuilder();
-const members = computed(() => 
-  coop.members.value.map(m => ({
+const members = computed(() =>
+  coop.members.value.map((m) => ({
     // Map store fields to component expectations
     id: m.id,
     displayName: m.name,
-    role: m.role || '',
     capacity: {
-      targetHours: m.hoursPerMonth || 0
+      targetHours: Number(m.hoursPerMonth) || 0,
     },
-    payRelationship: 'FullyPaid', // Default since not in store yet
-    minMonthlyNeeds: m.minMonthlyNeeds || 0,
-    targetMonthlyPay: m.targetMonthlyPay || 0,
-    externalMonthlyIncome: m.externalMonthlyIncome || 0,
-    monthlyPayPlanned: m.monthlyPayPlanned || 0
+    payRelationship: "FullyPaid", // Default since not in store yet
+    minMonthlyNeeds: Number(m.minMonthlyNeeds) || 0,
+    monthlyPayPlanned: Number(m.monthlyPayPlanned) || 0,
   }))
 );
 
-// Options
+// Get current policy to determine which fields to show
+const isNeedsWeighted = computed(() => {
+  const policy = coop.policy.value?.relationship;
+  return policy === "needs-weighted";
+});
+
+// Also expose policy for debugging in template
+const currentPolicy = computed(() => coop.policy.value?.relationship || "none");
+
+// Simplified options - removed pay relationship as it's now in the policies step
 const payRelationshipOptions = [
   { label: "Fully Paid", value: "FullyPaid" },
   { label: "Hybrid", value: "Hybrid" },
@@ -236,15 +178,12 @@ const debouncedSave = useDebounceFn((member: any) => {
     // Convert component format back to store format
     const memberData = {
       id: member.id,
-      name: member.displayName || '',
-      role: member.role || '',
-      hoursPerMonth: member.capacity?.targetHours || 0,
-      minMonthlyNeeds: member.minMonthlyNeeds || 0,
-      targetMonthlyPay: member.targetMonthlyPay || 0,
-      externalMonthlyIncome: member.externalMonthlyIncome || 0,
-      monthlyPayPlanned: member.monthlyPayPlanned || 0,
+      name: member.displayName || "",
+      hoursPerMonth: Number(member.capacity?.targetHours) || 0,
+      minMonthlyNeeds: Number(member.minMonthlyNeeds) || 0,
+      monthlyPayPlanned: Number(member.monthlyPayPlanned) || 0,
     };
-    
+
     coop.upsertMember(memberData);
     emit("save-status", "saved");
   } catch (error) {
@@ -257,13 +196,7 @@ function saveMember(member: any) {
   debouncedSave(member);
 }
 
-// Validation functions
-function validateAndSaveHours(value: string, member: any) {
-  const numValue = parseFloat(value.replace(/[^\d.]/g, ""));
-  member.capacity.targetHours = isNaN(numValue) ? 0 : Math.max(0, numValue);
-  saveMember(member);
-}
-
+// Validation functions (simplified since UInputNumber handles numeric validation)
 function validateAndSavePercentage(value: string, member: any) {
   const numValue = parseFloat(value.replace(/[^\d.]/g, ""));
   member.externalCoveragePct = isNaN(numValue)
@@ -272,30 +205,16 @@ function validateAndSavePercentage(value: string, member: any) {
   saveMember(member);
 }
 
-function validateAndSaveAmount(value: string, member: any, field: string) {
-  const numValue = parseFloat(value.replace(/[^\d.]/g, ""));
-  member[field] = isNaN(numValue) ? 0 : Math.max(0, numValue);
-  saveMember(member);
-}
-
 function memberCoverage(member: any) {
-  return coverage(
-    member.minMonthlyNeeds || 0,
-    member.targetMonthlyPay || 0,
-    member.monthlyPayPlanned || 0,
-    member.externalMonthlyIncome || 0
-  );
+  return coverage(member.minMonthlyNeeds || 0, member.monthlyPayPlanned || 0);
 }
 
 function addMember() {
   const newMember = {
     id: Date.now().toString(),
     name: "",
-    role: "",
     hoursPerMonth: 0,
     minMonthlyNeeds: 0,
-    targetMonthlyPay: 0,
-    externalMonthlyIncome: 0,
     monthlyPayPlanned: 0,
   };
 
@@ -305,24 +224,4 @@ function addMember() {
 function removeMember(id: string) {
   coop.removeMember(id);
 }
-
-function exportMembers() {
-  const exportData = {
-    members: members.value,
-    exportedAt: new Date().toISOString(),
-    section: "members",
-  };
-
-  const blob = new Blob([JSON.stringify(exportData, null, 2)], {
-    type: "application/json",
-  });
-  const url = URL.createObjectURL(blob);
-  const a = document.createElement("a");
-  a.href = url;
-  a.download = `coop-members-${new Date().toISOString().split("T")[0]}.json`;
-  document.body.appendChild(a);
-  a.click();
-  document.body.removeChild(a);
-  URL.revokeObjectURL(url);
-}
 </script>
diff --git a/components/WizardPoliciesStep.vue b/components/WizardPoliciesStep.vue
index ecaed22..f07d8b0 100644
--- a/components/WizardPoliciesStep.vue
+++ b/components/WizardPoliciesStep.vue
@@ -1,97 +1,78 @@
 <template>
   <div class="max-w-4xl mx-auto space-y-6">
-    <!-- Section Header with Export Controls -->
-    <div class="flex items-center justify-between mb-8">
-      <div>
-        <h3 class="text-2xl font-black text-black mb-2">Set your wage & pay policy</h3>
-        <p class="text-neutral-600">
-          Choose how to allocate payroll among members and set the base hourly rate.
-        </p>
-      </div>
-      <div class="flex items-center gap-3">
-        <UButton variant="outline" color="neutral" size="sm" @click="exportPolicies">
-          <UIcon name="i-heroicons-arrow-down-tray" class="mr-1" />
-          Export
-        </UButton>
-      </div>
+    <!-- Section Header -->
+    <div class="mb-8">
+      <h3 class="text-2xl font-black text-black mb-2">
+        How will you share money?
+      </h3>
+      <p class="text-neutral-600">
+        This is the foundation of your co-op's finances. Choose a pay approach
+        and set your hourly rate.
+      </p>
     </div>
 
     <!-- Pay Policy Selection -->
-    <div class="p-6 border-3 border-black rounded-xl bg-white shadow-md">
-      <h4 class="font-bold mb-4">Pay Allocation Policy</h4>
-      <div class="space-y-3">
-        <label
-          v-for="option in policyOptions"
-          :key="option.value"
-          class="flex items-start gap-3 cursor-pointer hover:bg-gray-50 p-2 rounded-lg transition-colors"
-        >
-          <input
-            type="radio"
-            :value="option.value"
-            v-model="selectedPolicy"
-            @change="updatePolicy(option.value)"
-            class="mt-1 w-4 h-4 text-black border-2 border-gray-300 focus:ring-2 focus:ring-black"
-          />
-          <span class="text-sm flex-1">{{ option.label }}</span>
-        </label>
-      </div>
-
-      <!-- Role bands editor if role-banded is selected -->
-      <div v-if="selectedPolicy === 'role-banded'" class="mt-4 p-4 bg-gray-50 rounded-lg">
-        <h5 class="text-sm font-medium mb-3">Role Bands (monthly € or weight)</h5>
-        <div class="space-y-2">
-          <div
-            v-for="member in uniqueRoles"
-            :key="member.role"
-            class="flex items-center gap-2"
-          >
-            <span class="text-sm w-32">{{ member.role || "No role" }}</span>
-            <UInput
-              v-model="roleBands[member.role || '']"
-              type="text"
-              placeholder="3000"
-              size="sm"
-              class="w-24"
-              @update:model-value="updateRoleBands"
-            />
-          </div>
-        </div>
-      </div>
-
-      <UAlert
-        class="mt-4"
-        color="primary"
-        variant="soft"
-        icon="i-heroicons-information-circle"
-      >
-        <template #description>
-          Policies affect payroll allocation and member coverage. You can iterate later.
-        </template>
-      </UAlert>
+    <div class="p-6 border-2 border-black rounded-xl bg-white shadow-md">
+      <h4 class="font-bold mb-2">Step 1: Choose your pay approach</h4>
+      <p class="text-sm text-gray-600 mb-4">
+        How should available money be shared among members?
+      </p>
+      <URadioGroup
+        v-model="selectedPolicy"
+        :items="policyOptions"
+        @update:model-value="updatePolicy"
+        variant="list"
+        size="xl"
+        class="flex flex-col gap-2 w-full" />
     </div>
 
     <!-- Hourly Wage Input -->
-    <div class="p-6 border-3 border-black rounded-xl bg-white shadow-md">
-      <h4 class="font-bold mb-4">Base Hourly Wage</h4>
-      <div class="max-w-md">
-        <UInput
-          v-model="wageText"
-          type="text"
-          placeholder="0.00"
-          size="xl"
-          class="text-4xl font-black w-full h-20"
-          @update:model-value="validateAndSaveWage"
-        >
-          <template #leading>
-            <span class="text-neutral-500 text-3xl">€</span>
-          </template>
-        </UInput>
+    <div class="p-6 border-2 border-black rounded-xl bg-white shadow-md">
+      <h4 class="font-bold mb-2">Step 2: Set your base wage</h4>
+      <p class="text-sm text-gray-600 mb-4">
+        This hourly rate applies to all paid work in your co-op
+      </p>
+      <div class="flex gap-4 items-start">
+        <!-- Currency Selection -->
+        <UFormField label="Currency" class="w-1/2">
+          <USelect
+            v-model="selectedCurrency"
+            :items="currencySelectOptions"
+            placeholder="Select currency"
+            size="xl"
+            class="w-full"
+            @update:model-value="updateCurrency">
+            <template #leading>
+              <span class="text-lg">{{
+                getCurrencySymbol(selectedCurrency)
+              }}</span>
+            </template>
+          </USelect>
+        </UFormField>
+
+        <UFormField label="Hourly Rate" class="w-1/2">
+          <UInput
+            v-model="wageText"
+            type="text"
+            placeholder="0.00"
+            size="xl"
+            class="text-2xl font-bold w-full"
+            @update:model-value="validateAndSaveWage">
+            <template #leading>
+              <span class="text-neutral-500 text-xl">{{
+                getCurrencySymbol(selectedCurrency)
+              }}</span>
+            </template>
+          </UInput>
+        </UFormField>
       </div>
     </div>
   </div>
 </template>
 
 <script setup lang="ts">
+import { currencyOptions, getCurrencySymbol } from "~/utils/currency";
+
 const emit = defineEmits<{
   "save-status": [status: "saving" | "saved" | "error"];
 }>();
@@ -104,6 +85,7 @@ const store = useCoopBuilderStore();
 const selectedPolicy = ref(coop.policy.value?.relationship || "equal-pay");
 const roleBands = ref(coop.policy.value?.roleBands || {});
 const wageText = ref(String(store.equalHourlyWage || ""));
+const selectedCurrency = ref(coop.currency.value || "EUR");
 
 function parseNumberInput(val: unknown): number {
   if (typeof val === "number") return val;
@@ -115,35 +97,42 @@ function parseNumberInput(val: unknown): number {
   return 0;
 }
 
-// Pay policy options
+// Simplified pay policy options
 const policyOptions = [
   {
     value: "equal-pay",
-    label: "Equal pay - Everyone gets the same monthly amount",
-  },
-  {
-    value: "needs-weighted",
-    label: "Needs-weighted - Allocate based on minimum needs",
+    label: "Equal pay - Everyone gets the same amount",
   },
   {
     value: "hours-weighted",
-    label: "Hours-weighted - Allocate based on hours worked",
+    label: "Hours-based - Pay proportional to hours worked",
+  },
+  {
+    value: "needs-weighted",
+    label: "Needs-based - Pay proportional to individual needs",
   },
-  { value: "role-banded", label: "Role-banded - Different amounts per role" },
 ];
 
+// Currency options for USelect (simplified format)
+const currencySelectOptions = computed(() =>
+  currencyOptions.map((currency) => ({
+    label: `${currency.name} (${currency.code})`,
+    value: currency.code,
+  }))
+);
+
 // Already initialized above with store values
 
-const uniqueRoles = computed(() => {
-  const roles = new Set(coop.members.value.map((m) => m.role || ""));
-  return Array.from(roles).map((role) => ({ role }));
-});
+// Removed uniqueRoles computed - no longer needed with simplified policies
+
+function updateCurrency(value: string) {
+  selectedCurrency.value = value;
+  coop.setCurrency(value);
+  emit("save-status", "saved");
+}
 
 function updatePolicy(value: string) {
-  selectedPolicy.value = value;
-  coop.setPolicy(
-    value as "equal-pay" | "needs-weighted" | "hours-weighted" | "role-banded"
-  );
+  coop.setPolicy(value as "equal-pay" | "needs-weighted" | "hours-weighted");
 
   // Trigger payroll reallocation after policy change
   const allocatedMembers = coop.allocatePayroll();
@@ -154,19 +143,7 @@ function updatePolicy(value: string) {
   emit("save-status", "saved");
 }
 
-function updateRoleBands() {
-  coop.setRoleBands(roleBands.value);
-
-  // Trigger payroll reallocation after role bands change
-  if (selectedPolicy.value === "role-banded") {
-    const allocatedMembers = coop.allocatePayroll();
-    allocatedMembers.forEach((m) => {
-      coop.upsertMember(m);
-    });
-  }
-
-  emit("save-status", "saved");
-}
+// Removed updateRoleBands - no longer needed with simplified policies
 
 // Text input for wage with validation (initialized above)
 
@@ -188,28 +165,4 @@ function validateAndSaveWage(value: string) {
     emit("save-status", "saved");
   }
 }
-
-function exportPolicies() {
-  const exportData = {
-    policies: {
-      selectedPolicy: coop.policy.value?.relationship || selectedPolicy.value,
-      roleBands: coop.policy.value?.roleBands || roleBands.value,
-      equalHourlyWage: store.equalHourlyWage || parseFloat(wageText.value),
-    },
-    exportedAt: new Date().toISOString(),
-    section: "policies",
-  };
-
-  const blob = new Blob([JSON.stringify(exportData, null, 2)], {
-    type: "application/json",
-  });
-  const url = URL.createObjectURL(blob);
-  const a = document.createElement("a");
-  a.href = url;
-  a.download = `coop-policies-${new Date().toISOString().split("T")[0]}.json`;
-  document.body.appendChild(a);
-  a.click();
-  document.body.removeChild(a);
-  URL.revokeObjectURL(url);
-}
 </script>
diff --git a/components/WizardRevenueStep.vue b/components/WizardRevenueStep.vue
index d229915..abd1afc 100644
--- a/components/WizardRevenueStep.vue
+++ b/components/WizardRevenueStep.vue
@@ -12,22 +12,11 @@
 
     <!-- Removed Tab Navigation - showing streams directly -->
         <div class="space-y-6">
-          <!-- Export Controls -->
-          <div class="flex justify-end">
-            <UButton
-              variant="outline"
-              color="gray"
-              size="sm"
-              @click="exportStreams">
-              <UIcon name="i-heroicons-arrow-down-tray" class="mr-1" />
-              Export
-            </UButton>
-          </div>
 
           <div class="space-y-3">
             <div
               v-if="streams.length === 0"
-              class="text-center py-12 border-4 border-dashed border-black rounded-xl bg-white shadow-lg">
+              class="text-center py-12 border-2 border-dashed border-neutral-300 rounded-xl bg-white shadow-sm">
               <h4 class="font-medium text-neutral-900 mb-2">
                 No revenue streams yet
               </h4>
@@ -47,56 +36,85 @@
             <div
               v-for="stream in streams"
               :key="stream.id"
-              class="p-6 border-3 border-black rounded-xl bg-white shadow-md">
-              <div class="grid grid-cols-1 md:grid-cols-3 gap-4">
-                <UFormField label="Category" required>
+              class="p-6 border-2 border-black rounded-xl bg-white shadow-md">
+              <!-- First row: Category and Name with delete button -->
+              <div class="flex gap-4 mb-4">
+                <UFormField label="Category" required class="flex-1">
                   <USelect
                     v-model="stream.category"
                     :items="categoryOptions"
-                    size="xl"
-                    class="text-xl font-bold w-full"
-                    @update:model-value="saveStream(stream)" />
+                    size="md"
+                    class="text-sm font-medium w-full"
+                    @update:model-value="saveCategoryChange(stream)" />
                 </UFormField>
 
-                <UFormField label="Revenue source name" required>
-                  <USelectMenu
-                    v-model="stream.name"
-                    :items="nameOptionsByCategory[stream.category] || []"
-                    placeholder="Select or type a source name"
-                    creatable
-                    searchable
-                    size="xl"
-                    class="text-xl font-bold w-full"
-                    @update:model-value="saveStream(stream)" />
-                </UFormField>
-
-                <UFormField label="Monthly amount" required>
-                  <UInput
-                    v-model="stream.targetMonthlyAmount"
-                    type="text"
-                    placeholder="5000"
-                    size="xl"
-                    class="text-xl font-black w-full"
-                    @update:model-value="validateAndSaveAmount($event, stream)"
-                    @blur="saveStream(stream)">
-                    <template #leading>
-                      <span class="text-neutral-500 text-xl">$</span>
-                    </template>
-                  </UInput>
+                <UFormField label="Name" required class="flex-1">
+                  <div class="flex gap-2">
+                    <USelectMenu
+                      v-model="stream.name"
+                      :items="nameOptionsByCategory[stream.category] || []"
+                      placeholder="Select or type a source name"
+                      creatable
+                      searchable
+                      size="md"
+                      class="text-sm font-medium w-full"
+                      @update:model-value="saveStream(stream)" />
+                    <UButton
+                      size="md"
+                      variant="solid"
+                      color="error"
+                      @click="removeStream(stream.id)"
+                      :ui="{
+                        base: 'cursor-pointer hover:opacity-90 transition-opacity',
+                      }">
+                      <UIcon name="i-heroicons-trash" class="w-4 h-4" />
+                    </UButton>
+                  </div>
                 </UFormField>
               </div>
 
-              <div class="flex justify-end mt-6 pt-6 border-t-3 border-black">
-                <UButton
-                  size="xs"
-                  variant="solid"
-                  color="error"
-                  @click="removeStream(stream.id)"
-                  :ui="{
-                    base: 'cursor-pointer hover:opacity-90 transition-opacity',
-                  }">
-                  <UIcon name="i-heroicons-trash" class="w-4 h-4" />
-                </UButton>
+              <!-- Second row: Amount with toggle -->
+              <div class="grid grid-cols-1 md:grid-cols-2 gap-4">
+                <UFormField :label="stream.amountType === 'annual' ? 'Annual amount' : 'Monthly amount'" required>
+                  <div class="flex gap-2">
+                    <UInput
+                      :value="stream.amountType === 'annual' ? stream.targetAnnualAmount : stream.targetMonthlyAmount"
+                      type="text"
+                      :placeholder="stream.amountType === 'annual' ? '60000' : '5000'"
+                      size="md"
+                      class="text-sm font-medium w-full"
+                      @update:model-value="validateAndSaveAmount($event, stream)"
+                      @blur="saveStream(stream)">
+                      <template #leading>
+                        <span class="text-neutral-500">{{ currencySymbol }}</span>
+                      </template>
+                    </UInput>
+                    <UButtonGroup size="md">
+                      <UButton
+                        :variant="stream.amountType === 'monthly' ? 'solid' : 'outline'"
+                        color="primary"
+                        @click="switchAmountType(stream, 'monthly')"
+                        class="text-xs">
+                        Monthly
+                      </UButton>
+                      <UButton
+                        :variant="stream.amountType === 'annual' ? 'solid' : 'outline'"
+                        color="primary"
+                        @click="switchAmountType(stream, 'annual')"
+                        class="text-xs">
+                        Annual
+                      </UButton>
+                    </UButtonGroup>
+                  </div>
+                  <p class="text-xs text-neutral-500 mt-1">
+                    <template v-if="stream.amountType === 'annual'">
+                      {{ currencySymbol }}{{ Math.round((stream.targetAnnualAmount || 0) / 12) }} per month
+                    </template>
+                    <template v-else>
+                      {{ currencySymbol }}{{ (stream.targetMonthlyAmount || 0) * 12 }} per year
+                    </template>
+                  </p>
+                </UFormField>
               </div>
             </div>
 
@@ -115,21 +133,6 @@
                 Add another stream
               </UButton>
             </div>
-
-            <div v-if="streams.length > 0" class="flex items-center gap-3 justify-end">
-              <UButton
-                @click="addRevenueStream"
-                size="sm"
-                variant="solid"
-                color="success"
-                :ui="{
-                  base: 'cursor-pointer hover:scale-105 transition-transform',
-                  leadingIcon: 'hover:rotate-90 transition-transform',
-                }">
-                <UIcon name="i-heroicons-plus" class="mr-1" />
-                Add stream
-              </UButton>
-            </div>
           </div>
         </div>
   </div>
@@ -142,8 +145,9 @@ const emit = defineEmits<{
   "save-status": [status: "saving" | "saved" | "error"];
 }>();
 
-// Store
+// Store and Currency
 const coop = useCoopBuilder();
+const { currencySymbol } = useCurrency();
 const streams = computed(() => 
   coop.streams.value.map(s => ({
     // Map store fields to component expectations
@@ -151,6 +155,8 @@ const streams = computed(() =>
     name: s.label,
     category: s.category || 'games',
     targetMonthlyAmount: s.monthly || 0,
+    targetAnnualAmount: (s.annual || (s.monthly || 0) * 12),
+    amountType: s.amountType || 'monthly',
     subcategory: '',
     targetPct: 0,
     certainty: s.certainty || 'Aspirational',
@@ -219,7 +225,12 @@ const nameOptionsByCategory: Record<string, string[]> = {
 
 // Computed
 const totalMonthlyAmount = computed(() =>
-  streams.value.reduce((sum, s) => sum + (s.targetMonthlyAmount || 0), 0)
+  streams.value.reduce((sum, s) => {
+    const monthly = s.amountType === 'annual' 
+      ? Math.round((s.targetAnnualAmount || 0) / 12)
+      : (s.targetMonthlyAmount || 0);
+    return sum + monthly;
+  }, 0)
 );
 
 // Live-write with debounce
@@ -228,10 +239,16 @@ const debouncedSave = useDebounceFn((stream: any) => {
 
   try {
     // Convert component format back to store format
+    const monthly = stream.amountType === 'annual' 
+      ? Math.round((stream.targetAnnualAmount || 0) / 12)
+      : (stream.targetMonthlyAmount || 0);
+    
     const streamData = {
       id: stream.id,
       label: stream.name || '',
-      monthly: stream.targetMonthlyAmount || 0,
+      monthly: monthly,
+      annual: stream.targetAnnualAmount || monthly * 12,
+      amountType: stream.amountType || 'monthly',
       category: stream.category || 'games',
       certainty: stream.certainty || 'Aspirational'
     };
@@ -245,23 +262,87 @@ const debouncedSave = useDebounceFn((stream: any) => {
 }, 300);
 
 function saveStream(stream: any) {
-  if (stream.name && stream.category && stream.targetMonthlyAmount >= 0) {
+  const hasValidAmount = stream.amountType === 'annual' 
+    ? stream.targetAnnualAmount >= 0
+    : stream.targetMonthlyAmount >= 0;
+  
+  if (stream.name && stream.category && hasValidAmount) {
     debouncedSave(stream);
   }
 }
 
+// Save category changes immediately even without a name
+function saveCategoryChange(stream: any) {
+  // Always save category changes immediately
+  saveStreamImmediate(stream);
+}
+
+// Immediate save without debounce for UI responsiveness
+function saveStreamImmediate(stream: any) {
+  try {
+    // Convert component format back to store format
+    const monthly = stream.amountType === 'annual' 
+      ? Math.round((stream.targetAnnualAmount || 0) / 12)
+      : (stream.targetMonthlyAmount || 0);
+    
+    const streamData = {
+      id: stream.id,
+      label: stream.name || '',
+      monthly: monthly,
+      annual: stream.targetAnnualAmount || monthly * 12,
+      amountType: stream.amountType || 'monthly',
+      category: stream.category || 'games',
+      certainty: stream.certainty || 'Aspirational'
+    };
+
+    coop.upsertStream(streamData);
+  } catch (error) {
+    console.error("Failed to save stream:", error);
+  }
+}
+
 // Validation function for amount
 function validateAndSaveAmount(value: string, stream: any) {
   const numValue = parseFloat(value.replace(/[^\d.]/g, ""));
-  stream.targetMonthlyAmount = isNaN(numValue) ? 0 : Math.max(0, numValue);
+  const validValue = isNaN(numValue) ? 0 : Math.max(0, numValue);
+  
+  if (stream.amountType === 'annual') {
+    stream.targetAnnualAmount = validValue;
+    stream.targetMonthlyAmount = Math.round(validValue / 12);
+  } else {
+    stream.targetMonthlyAmount = validValue;
+    stream.targetAnnualAmount = validValue * 12;
+  }
+  
   saveStream(stream);
 }
 
+// Function to switch between annual and monthly
+function switchAmountType(stream: any, type: 'annual' | 'monthly') {
+  stream.amountType = type;
+  
+  // Recalculate values based on new type
+  if (type === 'annual') {
+    if (!stream.targetAnnualAmount) {
+      stream.targetAnnualAmount = (stream.targetMonthlyAmount || 0) * 12;
+    }
+  } else {
+    if (!stream.targetMonthlyAmount) {
+      stream.targetMonthlyAmount = Math.round((stream.targetAnnualAmount || 0) / 12);
+    }
+  }
+  
+  // Save immediately without debounce for instant UI update
+  saveStreamImmediate(stream);
+}
+
 function addRevenueStream() {
   const newStream = {
     id: Date.now().toString(),
     label: "",
     monthly: 0,
+    annual: 0,
+    amountType: "monthly",
     category: "games",
     certainty: "Aspirational"
   };
diff --git a/components/WizardReviewStep.vue b/components/WizardReviewStep.vue
deleted file mode 100644
index 520bb36..0000000
--- a/components/WizardReviewStep.vue
+++ /dev/null
@@ -1,395 +0,0 @@
-<template>
-  <div class="max-w-4xl mx-auto space-y-6">
-    <!-- Section Header -->
-    <div class="mb-8">
-      <h3 class="text-2xl font-black text-black dark:text-white mb-2">Review & Complete</h3>
-      <p class="text-neutral-600 dark:text-neutral-400">
-        Review your setup and complete the wizard to start using your co-op
-        tool.
-      </p>
-    </div>
-
-    <div class="grid grid-cols-1 lg:grid-cols-2 gap-6">
-      <!-- Members Summary -->
-      <UCard>
-        <template #header>
-          <div class="flex items-center justify-between">
-            <h4 class="font-medium">Members ({{ members.length }})</h4>
-            <UBadge :color="membersValid ? 'green' : 'red'" variant="subtle">
-              {{ membersValid ? "Valid" : "Incomplete" }}
-            </UBadge>
-          </div>
-        </template>
-
-        <div class="space-y-3">
-          <div
-            v-for="member in members"
-            :key="member.id"
-            class="flex items-center justify-between text-sm">
-            <div>
-              <span class="font-medium">{{
-                member.displayName || "Unnamed Member"
-              }}</span>
-              <span v-if="member.roleFocus" class="text-neutral-500 ml-1"
-                >({{ member.roleFocus }})</span
-              >
-            </div>
-            <div class="text-right text-xs text-neutral-500">
-              <div>{{ member.payRelationship || "No relationship set" }}</div>
-              <div>{{ member.capacity?.targetHours || 0 }}h/month</div>
-            </div>
-          </div>
-
-          <div class="pt-3 border-t border-neutral-100">
-            <div class="grid grid-cols-2 gap-4 text-xs">
-              <div>
-                <span class="text-neutral-600">Total capacity:</span>
-                <span class="font-medium ml-1">{{ totalCapacity }}h</span>
-              </div>
-              <div>
-                <span class="text-neutral-600">Avg external:</span>
-                <span class="font-medium ml-1">{{ avgExternal }}%</span>
-              </div>
-            </div>
-          </div>
-        </div>
-      </UCard>
-
-      <!-- Policies Summary -->
-      <UCard>
-        <template #header>
-          <div class="flex items-center justify-between">
-            <h4 class="font-medium">Policies</h4>
-            <UBadge :color="policiesValid ? 'green' : 'red'" variant="subtle">
-              {{ policiesValid ? "Valid" : "Incomplete" }}
-            </UBadge>
-          </div>
-        </template>
-
-        <div class="space-y-3 text-sm">
-          <div class="flex justify-between">
-            <span class="text-neutral-600">Equal hourly wage:</span>
-            <span class="font-medium"
-              >€{{ policies.equalHourlyWage || 0 }}</span
-            >
-          </div>
-          <div class="flex justify-between">
-            <span class="text-neutral-600">Payroll on-costs:</span>
-            <span class="font-medium"
-              >{{ policies.payrollOncostPct || 0 }}%</span
-            >
-          </div>
-          <div class="flex justify-between">
-            <span class="text-neutral-600">Savings target:</span>
-            <span class="font-medium"
-              >{{ policies.savingsTargetMonths || 0 }} months</span
-            >
-          </div>
-          <div class="flex justify-between">
-            <span class="text-neutral-600">Cash cushion:</span>
-            <span class="font-medium"
-              >€{{ policies.minCashCushionAmount || 0 }}</span
-            >
-          </div>
-          <div class="flex justify-between">
-            <span class="text-neutral-600">Deferred cap:</span>
-            <span class="font-medium"
-              >{{ policies.deferredCapHoursPerQtr || 0 }}h/qtr</span
-            >
-          </div>
-          <div class="flex justify-between">
-            <span class="text-neutral-600">Volunteer flows:</span>
-            <span class="font-medium"
-              >{{ policies.volunteerScope.allowedFlows.length }} types</span
-            >
-          </div>
-        </div>
-      </UCard>
-
-      <!-- Costs Summary -->
-      <UCard>
-        <template #header>
-          <div class="flex items-center justify-between">
-            <h4 class="font-medium">
-              Overhead Costs ({{ overheadCosts.length }})
-            </h4>
-            <UBadge color="blue" variant="subtle">Optional</UBadge>
-          </div>
-        </template>
-
-        <div v-if="overheadCosts.length === 0" class="text-center py-8">
-          <h4 class="font-medium text-neutral-900 mb-1">
-            No overhead costs yet
-          </h4>
-          <p class="text-sm text-neutral-500">Optional - add costs in step 3</p>
-        </div>
-
-        <div v-else class="space-y-2">
-          <div
-            v-for="cost in overheadCosts.slice(0, 3)"
-            :key="cost.id"
-            class="flex justify-between text-sm">
-            <span class="text-neutral-700">{{ cost.name }}</span>
-            <span class="font-medium">€{{ cost.amount || 0 }}</span>
-          </div>
-          <div v-if="overheadCosts.length > 3" class="text-xs text-neutral-500">
-            +{{ overheadCosts.length - 3 }} more items
-          </div>
-
-          <div class="pt-2 border-t border-neutral-100">
-            <div class="flex justify-between text-sm font-medium">
-              <span>Monthly total:</span>
-              <span>€{{ totalMonthlyCosts }}</span>
-            </div>
-          </div>
-        </div>
-      </UCard>
-
-      <!-- Revenue Summary -->
-      <UCard>
-        <template #header>
-          <div class="flex items-center justify-between">
-            <h4 class="font-medium">Revenue Streams ({{ streams.length }})</h4>
-            <UBadge :color="streamsValid ? 'green' : 'red'" variant="subtle">
-              {{ streamsValid ? "Valid" : "Incomplete" }}
-            </UBadge>
-          </div>
-        </template>
-
-        <div v-if="streams.length === 0" class="text-center py-8">
-          <h4 class="font-medium text-neutral-900 mb-1">
-            No revenue streams yet
-          </h4>
-          <p class="text-sm text-neutral-500">
-            Required - add streams in step 4
-          </p>
-        </div>
-
-        <div v-else class="space-y-3">
-          <div
-            v-for="stream in streams.slice(0, 3)"
-            :key="stream.id"
-            class="space-y-1">
-            <div class="flex justify-between text-sm">
-              <span class="font-medium">{{
-                stream.name || "Unnamed Stream"
-              }}</span>
-              <span class="text-neutral-600">{{ stream.targetPct || 0 }}%</span>
-            </div>
-            <div class="flex justify-between text-xs text-neutral-500">
-              <span>{{ stream.category }} • {{ stream.certainty }}</span>
-              <span>€{{ stream.targetMonthlyAmount || 0 }}/mo</span>
-            </div>
-          </div>
-
-          <div v-if="streams.length > 3" class="text-xs text-neutral-500">
-            +{{ streams.length - 3 }} more streams
-          </div>
-
-          <div class="pt-3 border-t border-neutral-100">
-            <div class="grid grid-cols-2 gap-4 text-xs">
-              <div>
-                <span class="text-neutral-600">Target % total:</span>
-                <span
-                  class="font-medium ml-1"
-                  :class="
-                    totalTargetPct === 100 ? 'text-green-600' : 'text-red-600'
-                  ">
-                  {{ totalTargetPct }}%
-                </span>
-              </div>
-              <div>
-                <span class="text-neutral-600">Monthly target:</span>
-                <span class="font-medium ml-1">€{{ totalMonthlyTarget }}</span>
-              </div>
-            </div>
-          </div>
-        </div>
-      </UCard>
-    </div>
-
-    <!-- Team Coverage Summary -->
-    <div class="bg-white border-2 border-black rounded-lg p-4 mb-4">
-      <h4 class="font-medium text-sm mb-3">Team Coverage (min needs)</h4>
-      <div class="flex flex-wrap gap-4 text-sm">
-        <div class="flex items-center gap-2">
-          <UIcon 
-            :name="teamStats.under100 === 0 ? 'i-heroicons-check-circle' : 'i-heroicons-exclamation-triangle'"
-            :class="teamStats.under100 === 0 ? 'text-green-500' : 'text-yellow-500'"
-            class="w-4 h-4" />
-          <span>
-            <strong>{{ teamStats.under100 }}</strong> under 100%
-          </span>
-        </div>
-        <div v-if="teamStats.median" class="flex items-center gap-1">
-          <span class="text-neutral-600">Median:</span>
-          <strong>{{ Math.round(teamStats.median) }}%</strong>
-        </div>
-        <div v-if="teamStats.gini !== undefined" class="flex items-center gap-1">
-          <span class="text-neutral-600">Gini:</span>
-          <strong>{{ teamStats.gini.toFixed(2) }}</strong>
-        </div>
-      </div>
-      
-      <div v-if="teamStats.under100 > 0" class="mt-3 p-2 bg-yellow-50 rounded text-xs text-yellow-800">
-        Consider more needs-weighting or a smaller headcount to ensure everyone's minimum needs are met.
-      </div>
-    </div>
-
-    <!-- Overall Status -->
-    <div class="bg-neutral-50 rounded-lg p-4">
-      <h4 class="font-medium text-sm mb-3">Setup Status</h4>
-
-      <div class="grid grid-cols-2 md:grid-cols-4 gap-4 mb-4">
-        <div class="flex items-center gap-2">
-          <UIcon
-            :name="
-              membersValid ? 'i-heroicons-check-circle' : 'i-heroicons-x-circle'
-            "
-            :class="membersValid ? 'text-green-500' : 'text-red-500'"
-            class="w-4 h-4" />
-          <span class="text-sm">Members</span>
-        </div>
-
-        <div class="flex items-center gap-2">
-          <UIcon
-            :name="
-              policiesValid
-                ? 'i-heroicons-check-circle'
-                : 'i-heroicons-x-circle'
-            "
-            :class="policiesValid ? 'text-green-500' : 'text-red-500'"
-            class="w-4 h-4" />
-          <span class="text-sm">Policies</span>
-        </div>
-
-        <div class="flex items-center gap-2">
-          <UIcon
-            name="i-heroicons-check-circle"
-            class="text-blue-500 w-4 h-4" />
-          <span class="text-sm">Costs (Optional)</span>
-        </div>
-
-        <div class="flex items-center gap-2">
-          <UIcon
-            :name="
-              streamsValid ? 'i-heroicons-check-circle' : 'i-heroicons-x-circle'
-            "
-            :class="streamsValid ? 'text-green-500' : 'text-red-500'"
-            class="w-4 h-4" />
-          <span class="text-sm">Revenue</span>
-        </div>
-      </div>
-
-      <div
-        v-if="!canComplete"
-        class="bg-yellow-100 border border-yellow-200 rounded-md p-3 mb-4">
-        <div class="flex items-center gap-2">
-          <UIcon
-            name="i-heroicons-exclamation-triangle"
-            class="text-yellow-600 w-4 h-4" />
-          <span class="text-sm font-medium text-yellow-800"
-            >Complete required sections to finish setup</span
-          >
-        </div>
-        <ul class="list-disc list-inside text-xs text-yellow-700 mt-2">
-          <li v-if="!membersValid">
-            Add at least one member with valid details
-          </li>
-          <li v-if="!policiesValid">
-            Set a valid hourly wage and complete policy fields
-          </li>
-          <li v-if="!streamsValid">
-            Add at least one revenue stream with valid details
-          </li>
-        </ul>
-      </div>
-    </div>
-
-    <!-- Actions -->
-    <div class="flex justify-between items-center pt-6 border-t">
-      <UButton variant="ghost" color="red" @click="$emit('reset')">
-        Reset All Data
-      </UButton>
-
-      <div class="flex gap-3">
-        <UButton
-          @click="completeSetup"
-          :disabled="!canComplete"
-          size="lg"
-          variant="solid"
-          color="primary">
-          Complete Setup
-        </UButton>
-      </div>
-    </div>
-  </div>
-</template>
-
-<script setup lang="ts">
-const emit = defineEmits<{
-  complete: [];
-  reset: [];
-}>();
-
-// Store
-const coop = useCoopBuilder();
-
-// Computed data
-const members = computed(() => coop.members.value);
-const teamStats = computed(() => coop.teamCoverageStats());
-const policies = computed(() => ({
-  // TODO: Get actual policy data from centralized store
-  equalHourlyWage: 0,
-  payrollOncostPct: 0,
-  savingsTargetMonths: 0,
-  minCashCushionAmount: 0,
-  deferredCapHoursPerQtr: 0,
-  volunteerScope: { allowedFlows: [] },
-}));
-const overheadCosts = computed(() => []);
-const streams = computed(() => coop.streams.value);
-
-// Validation
-const membersValid = computed(() => coop.members.value.length > 0);
-const policiesValid = computed(() => true); // TODO: Add validation
-const streamsValid = computed(() => coop.streams.value.length > 0);
-const canComplete = computed(
-  () => membersValid.value && policiesValid.value && streamsValid.value
-);
-
-// Summary calculations
-const totalCapacity = computed(() =>
-  members.value.reduce((sum, m) => sum + (m.capacity?.targetHours || 0), 0)
-);
-
-const avgExternal = computed(() => {
-  if (members.value.length === 0) return 0;
-  const total = members.value.reduce(
-    (sum, m) => sum + (m.externalCoveragePct || 0),
-    0
-  );
-  return Math.round(total / members.value.length);
-});
-
-const totalMonthlyCosts = computed(() =>
-  overheadCosts.value.reduce((sum, c) => sum + (c.amount || 0), 0)
-);
-
-const totalTargetPct = computed(() => 
-  coop.streams.value.reduce((sum, s) => sum + (s.targetPct || 0), 0)
-);
-const totalMonthlyTarget = computed(() =>
-  Math.round(
-    streams.value.reduce((sum, s) => sum + (s.targetMonthlyAmount || 0), 0)
-  )
-);
-
-function completeSetup() {
-  if (canComplete.value) {
-    // Mark setup as complete in some way (could be a store flag)
-    emit("complete");
-  }
-}
-
-</script>
diff --git a/components/advanced/ScenariosPanel.vue b/components/advanced/ScenariosPanel.vue
deleted file mode 100644
index a2f765b..0000000
--- a/components/advanced/ScenariosPanel.vue
+++ /dev/null
@@ -1,49 +0,0 @@
-<template>
-  <UCard>
-    <template #header>
-      <h4 class="font-medium">Scenarios</h4>
-    </template>
-    
-    <div class="space-y-3">
-      <USelect
-        :model-value="scenario"
-        :options="scenarioOptions"
-        @update:model-value="setScenario"
-      />
-      
-      <div v-if="scenario !== 'current'" class="p-3 bg-blue-50 border border-blue-200 rounded text-sm">
-        <div class="flex items-center gap-2 text-blue-800">
-          <UIcon name="i-heroicons-information-circle" class="w-4 h-4" />
-          <span class="font-medium">Scenario Active</span>
-        </div>
-        <p class="text-blue-700 mt-1">
-          {{ getScenarioDescription(scenario) }}
-        </p>
-      </div>
-    </div>
-  </UCard>
-</template>
-
-<script setup lang="ts">
-const { scenario, setScenario } = useCoopBuilder()
-
-const scenarioOptions = [
-  { label: 'Current', value: 'current' },
-  { label: 'Quit Day Jobs', value: 'quit-jobs' },
-  { label: 'Start Production', value: 'start-production' },
-  { label: 'Custom', value: 'custom', disabled: true }
-]
-
-function getScenarioDescription(scenario: string): string {
-  switch (scenario) {
-    case 'quit-jobs':
-      return 'All external income removed. Shows runway if everyone works full-time for the co-op.'
-    case 'start-production':
-      return 'Service revenue reduced by 30%. Models transition from services to product development.'
-    case 'custom':
-      return 'Custom scenario configuration coming soon.'
-    default:
-      return ''
-  }
-}
-</script>
\ No newline at end of file
diff --git a/components/dashboard/MemberCoveragePanel.vue b/components/dashboard/MemberCoveragePanel.vue
index 0b745a7..f3b9fdb 100644
--- a/components/dashboard/MemberCoveragePanel.vue
+++ b/components/dashboard/MemberCoveragePanel.vue
@@ -1,41 +1,137 @@
 <template>
-  <div class="hidden" data-ui="member_coverage_panel_v1" />
+  <div class="hidden" data-ui="member_coverage_panel_v2" />
   <UCard class="shadow-sm rounded-xl">
     <template #header>
-      <h3 class="font-semibold">Member needs coverage</h3>
+      <div class="flex items-center justify-between">
+        <h3 class="font-semibold">Individual Member Coverage</h3>
+        <UTooltip text="Shows what each member needs from the co-op vs. what we can actually pay them">
+          <UIcon name="i-heroicons-information-circle" class="h-4 w-4 text-gray-400 hover:text-gray-600 cursor-help" />
+        </UTooltip>
+      </div>
     </template>
     
-    <div class="space-y-6">
+    <div v-if="allocatedMembers.length > 0" class="space-y-4">
       <div 
         v-for="member in allocatedMembers" 
         :key="member.id"
-        class="flex items-center gap-4"
+        class="space-y-2"
       >
-        <div class="w-20 text-sm font-medium text-gray-700 truncate">
-          {{ member.name }}
-        </div>
-        <div class="flex-1">
-          <div class="w-full bg-gray-200 rounded-full h-2">
-            <div 
-              class="h-2 rounded-full transition-all"
-              :class="getBarColor(coverage(member).minPct)"
-              :style="{ width: `${Math.min(100, (coverage(member).minPct / 200) * 100)}%` }"
-            />
+        <!-- Member name and coverage percentage -->
+        <div class="flex items-center justify-between">
+          <div class="flex items-center gap-2">
+            <span class="font-medium text-gray-900">{{ member.displayName || member.name || 'Unnamed Member' }}</span>
+            <UBadge 
+              :color="getCoverageColor(coverage(member).coveragePct)" 
+              size="xs"
+              :ui="{ base: 'font-medium' }"
+            >
+              {{ Math.round(coverage(member).coveragePct || 0) }}% covered
+            </UBadge>
           </div>
         </div>
-        <div class="w-12 text-sm font-medium text-right">
-          {{ Math.round(coverage(member).minPct) }}%
-        </div>
-      </div>
 
-      <div v-if="allocatedMembers.length === 0" class="text-sm text-gray-600 text-center py-8">
-        Add members in Setup → Members to see coverage.
+        <!-- Financial breakdown -->
+        <div class="grid grid-cols-2 gap-4 text-sm">
+          <div class="space-y-1">
+            <div class="text-gray-600">Needs from co-op</div>
+            <div class="font-medium">{{ formatCurrency(member.minMonthlyNeeds || 0) }}</div>
+          </div>
+          <div class="space-y-1">
+            <div class="text-gray-600">Co-op can pay</div>
+            <div class="font-medium" :class="getAmountColor(member.monthlyPayPlanned, member.minMonthlyNeeds)">
+              {{ formatCurrency(member.monthlyPayPlanned || 0) }}
+            </div>
+          </div>
+        </div>
+
+        <!-- Visual progress bar -->
+        <div class="space-y-1">
+          <div class="w-full bg-gray-200 rounded-full h-3 relative overflow-hidden">
+            <div 
+              class="h-3 rounded-full transition-all duration-300"
+              :class="getBarColor(coverage(member).coveragePct)"
+              :style="{ width: `${Math.min(100, coverage(member).coveragePct || 0)}%` }"
+            />
+            <!-- 100% marker line -->
+            <div class="absolute top-0 h-3 w-0.5 bg-gray-600 opacity-75" style="left: 100%" v-if="(coverage(member).coveragePct || 0) < 100">
+              <div class="absolute -top-1 -left-1 w-2 h-2 bg-gray-600 rounded-full opacity-75" />
+            </div>
+          </div>
+          <div class="flex justify-between text-xs text-gray-500">
+            <span>0%</span>
+            <span>100%</span>
+            <span>200%+</span>
+          </div>
+        </div>
+
+        <!-- Gap/surplus indicator -->
+        <div v-if="getGapAmount(member) !== 0" class="flex items-center gap-1 text-xs">
+          <UIcon 
+            :name="getGapAmount(member) > 0 ? 'i-heroicons-arrow-trending-down' : 'i-heroicons-arrow-trending-up'" 
+            class="h-3 w-3"
+            :class="getGapAmount(member) > 0 ? 'text-red-500' : 'text-green-500'"
+          />
+          <span :class="getGapAmount(member) > 0 ? 'text-red-600' : 'text-green-600'">
+            {{ getGapAmount(member) > 0 ? 'Gap: ' : 'Surplus: ' }}{{ formatCurrency(Math.abs(getGapAmount(member))) }}
+          </span>
+        </div>
       </div>
     </div>
 
+    <!-- Empty State -->
+    <div v-else class="text-center py-8 text-gray-500">
+      <UIcon name="i-heroicons-users" class="h-8 w-8 mx-auto mb-2 opacity-50" />
+      <p class="text-sm mb-2">No members added yet</p>
+      <p class="text-xs">Complete setup wizard to add team members</p>
+    </div>
+
     <template #footer v-if="allocatedMembers.length > 0">
-      <div class="text-sm text-gray-600 text-center">
-        Team median {{ Math.round(stats.median) }}% • {{ stats.under100 }} under 100%{{ allCovered ? ' • All covered ✓' : '' }}
+      <!-- Summary Stats -->
+      <div class="flex justify-between items-center text-sm text-gray-600 pb-3 border-b border-gray-200">
+        <div class="flex items-center gap-4">
+          <span>Median coverage: {{ Math.round(stats.median || 0) }}%</span>
+          <span :class="stats.under100 === 0 ? 'text-green-600' : 'text-amber-600'">
+            {{ stats.under100 === 0 ? 'All covered ✓' : `${stats.under100} need more` }}
+          </span>
+        </div>
+        <div class="text-xs">
+          Total payroll: {{ formatCurrency(totalPayroll) }}
+        </div>
+      </div>
+
+      <!-- Actionable Insights -->
+      <div class="pt-3">
+        <div v-if="totalGap > 0" class="text-xs">
+          <div class="flex items-center gap-2 text-amber-700">
+            <UIcon name="i-heroicons-light-bulb" class="h-3 w-3" />
+            <span class="font-medium">To cover everyone:</span>
+          </div>
+          <p class="mt-1 text-gray-600 pl-5">
+            Increase available payroll by <strong>{{ formatCurrency(totalGap) }}</strong> 
+            through higher revenue or lower overhead costs.
+          </p>
+        </div>
+        
+        <div v-else-if="totalSurplus > 0" class="text-xs">
+          <div class="flex items-center gap-2 text-green-700">
+            <UIcon name="i-heroicons-check-circle" class="h-3 w-3" />
+            <span class="font-medium">Healthy position:</span>
+          </div>
+          <p class="mt-1 text-gray-600 pl-5">
+            You have <strong>{{ formatCurrency(totalSurplus) }}</strong> surplus after covering all member needs.
+            Consider growth opportunities or building reserves.
+          </p>
+        </div>
+
+        <div v-else class="text-xs">
+          <div class="flex items-center gap-2 text-green-700">
+            <UIcon name="i-heroicons-scales" class="h-3 w-3" />
+            <span class="font-medium">Perfect balance:</span>
+          </div>
+          <p class="mt-1 text-gray-600 pl-5">
+            Available payroll exactly matches member needs.
+          </p>
+        </div>
       </div>
     </template>
   </UCard>
@@ -46,11 +142,61 @@ const { allocatePayroll, coverage, teamCoverageStats } = useCoopBuilder()
 
 const allocatedMembers = computed(() => allocatePayroll())
 const stats = computed(() => teamCoverageStats())
-const allCovered = computed(() => stats.value.under100 === 0)
 
+// Calculate total payroll
+const totalPayroll = computed(() => 
+  allocatedMembers.value.reduce((sum, m) => sum + (m.monthlyPayPlanned || 0), 0)
+)
+
+// Color functions for coverage display
 function getBarColor(pct: number): string {
-  if (pct >= 100) return 'bg-green-500'
-  if (pct >= 80) return 'bg-amber-500'
-  return 'bg-red-500'
+  if (!pct || pct < 80) return 'bg-red-500'
+  if (pct < 100) return 'bg-amber-500'
+  return 'bg-green-500'
+}
+
+function getCoverageColor(pct: number): string {
+  if (!pct || pct < 80) return 'red'
+  if (pct < 100) return 'amber'
+  return 'green'
+}
+
+function getAmountColor(planned: number = 0, needed: number = 0): string {
+  if (!needed) return 'text-gray-900'
+  if (planned >= needed) return 'text-green-600'
+  if (planned >= needed * 0.8) return 'text-amber-600'
+  return 'text-red-600'
+}
+
+// Calculate gap between what's needed vs what can be paid
+function getGapAmount(member: any): number {
+  const planned = member.monthlyPayPlanned || 0
+  const needed = member.minMonthlyNeeds || 0
+  return needed - planned // positive = gap, negative = surplus
+}
+
+// Calculate total gap/surplus across all members
+const totalGap = computed(() => {
+  const totalNeeded = allocatedMembers.value.reduce((sum, m) => sum + (m.minMonthlyNeeds || 0), 0)
+  const totalPlanned = totalPayroll.value
+  const gap = totalNeeded - totalPlanned
+  return gap > 0 ? gap : 0
+})
+
+const totalSurplus = computed(() => {
+  const totalNeeded = allocatedMembers.value.reduce((sum, m) => sum + (m.minMonthlyNeeds || 0), 0)
+  const totalPlanned = totalPayroll.value
+  const surplus = totalPlanned - totalNeeded
+  return surplus > 0 ? surplus : 0
+})
+
+// Currency formatting
+function formatCurrency(amount: number): string {
+  return new Intl.NumberFormat('en-US', {
+    style: 'currency',
+    currency: 'USD',
+    minimumFractionDigits: 0,
+    maximumFractionDigits: 0,
+  }).format(amount)
 }
 </script>
\ No newline at end of file
diff --git a/components/dashboard/NeedsCoverageCard.vue b/components/dashboard/NeedsCoverageCard.vue
index 4c8dabb..061ba21 100644
--- a/components/dashboard/NeedsCoverageCard.vue
+++ b/components/dashboard/NeedsCoverageCard.vue
@@ -1,37 +1,165 @@
 <template>
-  <div class="hidden" data-ui="needs_coverage_card_v1" />
+  <div class="hidden" data-ui="needs_coverage_card_v2" />
   <UCard class="min-h-[140px] shadow-sm rounded-xl">
     <template #header>
-      <div class="flex items-center gap-2">
-        <UIcon name="i-heroicons-user-group" class="h-5 w-5" />
-        <h3 class="font-semibold">Members covered</h3>
+      <div class="flex items-center justify-between">
+        <div class="flex items-center gap-2">
+          <UIcon name="i-heroicons-user-group" class="h-5 w-5" />
+          <h3 class="font-semibold">Member Needs Coverage</h3>
+        </div>
+        <UTooltip text="Shows how well the co-op can meet each member's stated financial needs">
+          <UIcon name="i-heroicons-information-circle" class="h-4 w-4 text-gray-400 hover:text-gray-600 cursor-help" />
+        </UTooltip>
       </div>
     </template>
     
-    <div class="text-center space-y-6">
-      <div class="text-2xl font-semibold" :class="statusColor">
-        {{ pctCovered }}%
+    <div v-if="hasMembers" class="space-y-4">
+      <!-- Team Summary -->
+      <div class="text-center">
+        <div class="text-2xl font-semibold" :class="statusColor">
+          {{ fullyCoveredCount }} of {{ totalMembers }}
+        </div>
+        <div class="text-sm text-gray-600">
+          members fully covered
+        </div>
       </div>
-      <div class="text-sm text-gray-600">
-        Median {{ median }}%
+
+      <!-- Coverage Stats -->
+      <div class="flex justify-between text-sm">
+        <div class="text-center">
+          <div class="font-medium">{{ median }}%</div>
+          <div class="text-gray-600">Median</div>
+        </div>
+        <div class="text-center">
+          <div class="font-medium" :class="underCoveredColor">{{ stats.under100 }}</div>
+          <div class="text-gray-600">Under 100%</div>
+        </div>
+        <div class="text-center">
+          <div class="font-medium">{{ formatCurrency(availablePayroll) }}</div>
+          <div class="text-gray-600">Available</div>
+        </div>
       </div>
-      <div v-if="stats.under100 > 0" class="flex items-center justify-center gap-1 text-xs text-amber-600 mt-3">
-        <span>⚠</span>
-        <span>{{ stats.under100 }} under 100%</span>
+
+      <!-- Intelligent Financial Analysis -->
+      <div v-if="hasMembers" class="space-y-2">
+        <!-- Coverage gap analysis -->
+        <div v-if="stats.under100 > 0" class="text-xs bg-amber-50 p-3 rounded border-l-4 border-amber-400">
+          <div class="flex items-start gap-2">
+            <UIcon name="i-heroicons-exclamation-triangle" class="h-4 w-4 text-amber-600 mt-0.5 flex-shrink-0" />
+            <div class="space-y-1">
+              <p class="font-medium text-amber-800">Coverage Gap Analysis</p>
+              <p class="text-amber-700">
+                To meet member needs, you need <strong>{{ formatCurrency(totalNeeds) }}</strong> based on their stated requirements, 
+                but you have <strong>{{ formatCurrency(availablePayroll) }}</strong> available for payroll.
+              </p>
+              <p class="text-amber-600">
+                <strong>Shortfall: {{ formatCurrency(Math.max(0, totalNeeds - availablePayroll)) }}</strong>
+              </p>
+              <p class="text-xs text-amber-600 mt-2">
+                💡 Note: This reflects member-stated needs. Check your Budget page for detailed payroll planning.
+              </p>
+            </div>
+          </div>
+        </div>
+
+        <!-- Surplus analysis -->
+        <div v-else-if="availablePayroll > totalNeeds && totalNeeds > 0" class="text-xs bg-green-50 p-3 rounded border-l-4 border-green-400">
+          <div class="flex items-start gap-2">
+            <UIcon name="i-heroicons-check-circle" class="h-4 w-4 text-green-600 mt-0.5 flex-shrink-0" />
+            <div class="space-y-1">
+              <p class="font-medium text-green-800">Healthy Coverage</p>
+              <p class="text-green-700">
+                You have <strong>{{ formatCurrency(availablePayroll) }}</strong> available to cover 
+                <strong>{{ formatCurrency(totalNeeds) }}</strong> in member needs.
+              </p>
+              <p class="text-green-600">
+                <strong>Surplus: {{ formatCurrency(availablePayroll - totalNeeds) }}</strong>
+              </p>
+            </div>
+          </div>
+        </div>
+
+        <!-- No payroll available -->
+        <div v-else-if="availablePayroll === 0 && totalNeeds > 0" class="text-xs bg-red-50 p-3 rounded border-l-4 border-red-400">
+          <div class="flex items-start gap-2">
+            <UIcon name="i-heroicons-x-circle" class="h-4 w-4 text-red-600 mt-0.5 flex-shrink-0" />
+            <div class="space-y-1">
+              <p class="font-medium text-red-800">No Funds for Payroll</p>
+              <p class="text-red-700">
+                Member needs total <strong>{{ formatCurrency(totalNeeds) }}</strong> based on their stated requirements, 
+                but current revenue minus costs leaves $0 for payroll.
+              </p>
+              <p class="text-red-600">
+                Consider increasing revenue or reducing overhead costs.
+              </p>
+              <p class="text-xs text-red-600 mt-2">
+                💡 Note: This reflects member-stated needs. Your Budget page may show different payroll amounts.
+              </p>
+            </div>
+          </div>
+        </div>
       </div>
     </div>
+
+    <!-- Empty State -->
+    <div v-else class="text-center py-6 text-gray-500">
+      <UIcon name="i-heroicons-users" class="h-8 w-8 mx-auto mb-2 opacity-50" />
+      <p class="text-sm">Add members in setup to see coverage</p>
+    </div>
   </UCard>
 </template>
 
 <script setup lang="ts">
-const { members, teamCoverageStats } = useCoopBuilder()
+const { members, teamCoverageStats, allocatePayroll, streams } = useCoopBuilder()
+const coopStore = useCoopBuilderStore()
+
 const stats = computed(() => teamCoverageStats())
-const pctCovered = computed(() => Math.round(stats.value.over100Pct || 0))
+const allocatedMembers = computed(() => allocatePayroll())
 const median = computed(() => Math.round(stats.value.median ?? 0))
 
+// Team-level calculations
+const hasMembers = computed(() => members.value.length > 0)
+const totalMembers = computed(() => members.value.length)
+const fullyCoveredCount = computed(() => totalMembers.value - stats.value.under100)
+
+// Financial calculations
+const totalNeeds = computed(() => 
+  allocatedMembers.value.reduce((sum, m) => sum + (m.minMonthlyNeeds || 0), 0)
+)
+
+const totalRevenue = computed(() => 
+  streams.value.reduce((sum, s) => sum + (s.monthly || 0), 0)
+)
+
+const overheadCosts = computed(() => 
+  coopStore.overheadCosts.reduce((sum, c) => sum + (c.amount || 0), 0)
+)
+
+const availablePayroll = computed(() => 
+  Math.max(0, totalRevenue.value - overheadCosts.value)
+)
+
+// Status colors based on coverage
 const statusColor = computed(() => {
-  if (pctCovered.value >= 100) return 'text-green-600'
-  if (pctCovered.value >= 80) return 'text-amber-600'
+  const ratio = fullyCoveredCount.value / Math.max(1, totalMembers.value)
+  if (ratio === 1) return 'text-green-600'
+  if (ratio >= 0.8) return 'text-amber-600'
   return 'text-red-600'
 })
+
+const underCoveredColor = computed(() => {
+  if (stats.value.under100 === 0) return 'text-green-600'
+  if (stats.value.under100 <= Math.ceil(totalMembers.value * 0.2)) return 'text-amber-600'
+  return 'text-red-600'
+})
+
+// Currency formatting
+function formatCurrency(amount: number): string {
+  return new Intl.NumberFormat('en-US', {
+    style: 'currency',
+    currency: 'USD',
+    minimumFractionDigits: 0,
+    maximumFractionDigits: 0,
+  }).format(amount)
+}
 </script>
\ No newline at end of file
diff --git a/composables/useCoopBuilder.ts b/composables/useCoopBuilder.ts
index fc0b669..2c75fe9 100644
--- a/composables/useCoopBuilder.ts
+++ b/composables/useCoopBuilder.ts
@@ -60,6 +60,24 @@ export function useCoopBuilder() {
     }
   })
   
+  const currency = computed({
+    get: () => {
+      try {
+        return store.currency || 'EUR'
+      } catch (e) {
+        console.warn('Error accessing currency:', e)
+        return 'EUR'
+      }
+    },
+    set: (value: string) => {
+      try {
+        store.setCurrency(value)
+      } catch (e) {
+        console.warn('Error setting currency:', e)
+      }
+    }
+  })
+  
   const scenario = computed({
     get: () => store.scenario,
     set: (value) => store.setScenario(value)
@@ -78,12 +96,6 @@ export function useCoopBuilder() {
     const baseStreams = [...streams.value]
 
     switch (scenario.value) {
-      case 'quit-jobs':
-        return {
-          members: baseMembers.map(m => ({ ...m, externalMonthlyIncome: 0 })),
-          streams: baseStreams
-        }
-      
       case 'start-production':
         return {
           members: baseMembers,
@@ -154,25 +166,21 @@ export function useCoopBuilder() {
   }
 
   // Coverage calculation for a single member
-  function coverage(member: Member): { minPct: number; targetPct: number } {
-    const totalIncome = (member.monthlyPayPlanned || 0) + (member.externalMonthlyIncome || 0)
+  function coverage(member: Member): { coveragePct: number } {
+    const coopPay = member.monthlyPayPlanned || 0
     
-    const minPct = member.minMonthlyNeeds > 0 
-      ? Math.min(200, (totalIncome / member.minMonthlyNeeds) * 100)
-      : 100
-    
-    const targetPct = member.targetMonthlyPay > 0
-      ? Math.min(200, (totalIncome / member.targetMonthlyPay) * 100)
+    const coveragePct = member.minMonthlyNeeds > 0 
+      ? Math.min(200, (coopPay / member.minMonthlyNeeds) * 100)
       : 100
 
-    return { minPct, targetPct }
+    return { coveragePct }
   }
 
   // Team coverage statistics
   function teamCoverageStats() {
     try {
       const allocatedMembers = allocatePayroll() || []
-      const coverages = allocatedMembers.map(m => coverage(m).minPct).filter(c => !isNaN(c))
+      const coverages = allocatedMembers.map(m => coverage(m).coveragePct).filter(c => !isNaN(c))
       
       if (coverages.length === 0) {
         return { median: 0, under100: 0, over100Pct: 0, gini: 0 }
@@ -354,6 +362,7 @@ export function useCoopBuilder() {
     streams,  
     policy,
     operatingMode,
+    currency,
     scenario,
     stress,
     milestones,
@@ -380,6 +389,7 @@ export function useCoopBuilder() {
     setPolicy: (relationship: "equal-pay" | "needs-weighted" | "hours-weighted" | "role-banded") => store.setPolicy(relationship),
     setRoleBands: (bands: Record<string, number>) => store.setRoleBands(bands),
     setEqualWage: (wage: number) => store.setEqualWage(wage),
+    setCurrency: (currency: string) => store.setCurrency(currency),
     
     // Testing helpers
     clearAll,
diff --git a/composables/useCurrency.ts b/composables/useCurrency.ts
new file mode 100644
index 0000000..986af3b
--- /dev/null
+++ b/composables/useCurrency.ts
@@ -0,0 +1,37 @@
+import { getCurrencySymbol } from '~/utils/currency'
+
+export function useCurrency() {
+  const coop = useCoopBuilder()
+  
+  const currencySymbol = computed(() => getCurrencySymbol(coop.currency.value))
+  
+  const formatCurrency = (amount: number, options?: { showSymbol?: boolean; precision?: number }) => {
+    const { showSymbol = true, precision = 0 } = options || {}
+    
+    const formatted = new Intl.NumberFormat('en-US', {
+      minimumFractionDigits: precision,
+      maximumFractionDigits: precision
+    }).format(amount)
+    
+    if (showSymbol) {
+      return `${currencySymbol.value}${formatted}`
+    }
+    
+    return formatted
+  }
+  
+  const formatCurrencyCompact = (amount: number) => {
+    if (amount >= 1000000) {
+      return `${currencySymbol.value}${(amount / 1000000).toFixed(1)}M`
+    } else if (amount >= 1000) {
+      return `${currencySymbol.value}${(amount / 1000).toFixed(1)}k`
+    }
+    return formatCurrency(amount)
+  }
+  
+  return {
+    currencySymbol,
+    formatCurrency,
+    formatCurrencyCompact
+  }
+}
\ No newline at end of file
diff --git a/composables/useFixtureIO.ts b/composables/useFixtureIO.ts
index d870247..8284f08 100644
--- a/composables/useFixtureIO.ts
+++ b/composables/useFixtureIO.ts
@@ -2,18 +2,14 @@ import { useMembersStore } from '~/stores/members'
 import { usePoliciesStore } from '~/stores/policies'
 import { useStreamsStore } from '~/stores/streams'
 import { useBudgetStore } from '~/stores/budget'
-import { useScenariosStore } from '~/stores/scenarios'
 import { useCashStore } from '~/stores/cash'
-import { useSessionStore } from '~/stores/session'
 
 export type AppSnapshot = {
   members: any[]
   policies: Record<string, any>
   streams: any[]
   budget: Record<string, any>
-  scenarios: Record<string, any>
   cash: Record<string, any>
-  session: Record<string, any>
 }
 
 export function useFixtureIO() {
@@ -22,9 +18,7 @@ export function useFixtureIO() {
     const policies = usePoliciesStore()
     const streams = useStreamsStore()
     const budget = useBudgetStore()
-    const scenarios = useScenariosStore()
     const cash = useCashStore()
-    const session = useSessionStore()
     
     return {
       members: members.members,
@@ -48,23 +42,12 @@ export function useFixtureIO() {
         productionCosts: budget.productionCosts,
         currentPeriod: budget.currentPeriod
       },
-      scenarios: {
-        sliders: scenarios.sliders,
-        activeScenario: scenarios.activeScenario
-      },
       cash: {
         cashEvents: cash.cashEvents,
         paymentQueue: cash.paymentQueue,
         currentCash: cash.currentCash,
         currentSavings: cash.currentSavings
       },
-      session: {
-        checklist: session.checklist,
-        draftAllocations: session.draftAllocations,
-        rationale: session.rationale,
-        currentSession: session.currentSession,
-        savedRecords: session.savedRecords
-      }
     }
   }
 
@@ -73,9 +56,7 @@ export function useFixtureIO() {
     const policies = usePoliciesStore()
     const streams = useStreamsStore()
     const budget = useBudgetStore()
-    const scenarios = useScenariosStore()
     const cash = useCashStore()
-    const session = useSessionStore()
 
     try {
       // Import members
@@ -98,10 +79,6 @@ export function useFixtureIO() {
         budget.$patch(snapshot.budget)
       }
 
-      // Import scenarios
-      if (snapshot.scenarios) {
-        scenarios.$patch(snapshot.scenarios)
-      }
 
       // Import cash
       if (snapshot.cash) {
@@ -118,10 +95,6 @@ export function useFixtureIO() {
         }
       }
 
-      // Import session
-      if (snapshot.session) {
-        session.$patch(snapshot.session)
-      }
 
       console.log('Successfully imported data snapshot')
     } catch (error) {
diff --git a/composables/useScenarios.ts b/composables/useScenarios.ts
deleted file mode 100644
index 388e5dd..0000000
--- a/composables/useScenarios.ts
+++ /dev/null
@@ -1,109 +0,0 @@
-import { monthlyPayroll } from '~/types/members'
-
-export function useScenarios() {
-  const membersStore = useMembersStore()
-  const streamsStore = useStreamsStore()
-  const policiesStore = usePoliciesStore()
-  const budgetStore = useBudgetStore()
-  const cashStore = useCashStore()
-  
-  // Base runway calculation
-  function calculateScenarioRunway(
-    members: any[], 
-    streams: any[], 
-    operatingMode: 'minimum' | 'target' = 'minimum'
-  ) {
-    // Calculate payroll for scenario
-    const payrollCost = monthlyPayroll(members, operatingMode)
-    const oncostPct = policiesStore.payrollOncostPct || 0
-    const totalPayroll = payrollCost * (1 + oncostPct / 100)
-    
-    // Calculate revenue
-    const totalRevenue = streams.reduce((sum, s) => sum + (s.targetMonthlyAmount || 0), 0)
-    
-    // Add overhead
-    const overheadCost = budgetStore.overheadCosts.reduce((sum, cost) => sum + (cost.amount || 0), 0)
-    
-    // Net monthly
-    const monthlyNet = totalRevenue - totalPayroll - overheadCost
-    
-    // Cash + savings
-    const cash = cashStore.currentCash || 50000
-    const savings = cashStore.currentSavings || 15000
-    const totalLiquid = cash + savings
-    
-    // Runway calculation
-    const monthlyBurn = totalPayroll + overheadCost
-    const runway = monthlyBurn > 0 ? totalLiquid / monthlyBurn : Infinity
-    
-    return {
-      runway: Math.max(0, runway),
-      monthlyNet,
-      monthlyBurn,
-      totalRevenue,
-      totalPayroll
-    }
-  }
-  
-  // Scenario transformations per CLAUDE.md
-  const scenarioTransforms = {
-    current: () => ({
-      members: [...membersStore.members],
-      streams: [...streamsStore.streams]
-    }),
-    
-    quitJobs: () => ({
-      // Set external income to 0 for members who have day jobs
-      members: membersStore.members.map(m => ({
-        ...m,
-        externalMonthlyIncome: 0 // Assume everyone quits their day job
-      })),
-      streams: [...streamsStore.streams]
-    }),
-    
-    startProduction: () => ({
-      members: [...membersStore.members],
-      // Reduce service revenue, increase production costs
-      streams: streamsStore.streams.map(s => {
-        // Reduce service contracts by 30%
-        if (s.category?.toLowerCase().includes('service') || s.name.toLowerCase().includes('service')) {
-          return { ...s, targetMonthlyAmount: (s.targetMonthlyAmount || 0) * 0.7 }
-        }
-        return s
-      })
-    })
-  }
-  
-  // Calculate all scenarios
-  const scenarios = computed(() => {
-    const currentMode = policiesStore.operatingMode || 'minimum'
-    
-    const current = scenarioTransforms.current()
-    const quitJobs = scenarioTransforms.quitJobs()  
-    const startProduction = scenarioTransforms.startProduction()
-    
-    return {
-      current: {
-        name: 'Operate Current',
-        status: 'Active',
-        ...calculateScenarioRunway(current.members, current.streams, currentMode)
-      },
-      quitJobs: {
-        name: 'Quit Day Jobs',  
-        status: 'Scenario',
-        ...calculateScenarioRunway(quitJobs.members, quitJobs.streams, currentMode)
-      },
-      startProduction: {
-        name: 'Start Production',
-        status: 'Scenario', 
-        ...calculateScenarioRunway(startProduction.members, startProduction.streams, currentMode)
-      }
-    }
-  })
-  
-  return {
-    scenarios,
-    calculateScenarioRunway,
-    scenarioTransforms
-  }
-}
\ No newline at end of file
diff --git a/composables/useSetupState.ts b/composables/useSetupState.ts
new file mode 100644
index 0000000..ba2b2fe
--- /dev/null
+++ b/composables/useSetupState.ts
@@ -0,0 +1,83 @@
+/**
+ * Setup State Management
+ * 
+ * Provides utilities to determine setup completion status and manage
+ * field locking based on setup state
+ */
+
+export const useSetupState = () => {
+  const coopStore = useCoopBuilderStore()
+  const membersStore = useMembersStore()
+  const policiesStore = usePoliciesStore()
+  const streamsStore = useStreamsStore()
+
+  // Check if setup is complete using the same logic as middleware
+  const isSetupComplete = computed(() => {
+    // Legacy stores OR new coop builder store (either is enough)
+    const legacyComplete =
+      membersStore.isValid &&
+      policiesStore.isValid &&
+      streamsStore.hasValidStreams
+
+    const coopComplete = Boolean(
+      coopStore &&
+        Array.isArray(coopStore.members) &&
+        coopStore.members.length > 0 &&
+        Array.isArray(coopStore.streams) &&
+        coopStore.streams.length > 0
+    )
+
+    return legacyComplete || coopComplete
+  })
+
+  // Determine if revenue and expense fields should be locked
+  const areRevenueFieldsLocked = computed(() => {
+    return isSetupComplete.value
+  })
+
+  const areExpenseFieldsLocked = computed(() => {
+    return isSetupComplete.value
+  })
+
+  // Determine if member management should be in separate interface
+  const shouldUseSeparateMemberInterface = computed(() => {
+    return isSetupComplete.value
+  })
+
+  // Get setup completion percentage for progress display
+  const setupProgress = computed(() => {
+    let completed = 0
+    let total = 4 // policies, members, revenue, costs
+
+    if (policiesStore.isValid || (coopStore.equalHourlyWage > 0)) completed++
+    if (membersStore.members.length > 0 || coopStore.members.length > 0) completed++
+    if (streamsStore.hasValidStreams || coopStore.streams.length > 0) completed++
+    if (coopStore.overheadCosts.length > 0) completed++
+
+    return Math.round((completed / total) * 100)
+  })
+
+  // Navigation helpers
+  const goToSetup = () => {
+    navigateTo('/coop-planner')
+  }
+
+  const goToMemberManagement = () => {
+    navigateTo('/settings#members')
+  }
+
+  const goToRevenueMix = () => {
+    navigateTo('/mix')
+  }
+
+  return {
+    isSetupComplete,
+    areRevenueFieldsLocked,
+    areExpenseFieldsLocked,
+    shouldUseSeparateMemberInterface,
+    setupProgress,
+    goToSetup,
+    goToMemberManagement,
+    goToRevenueMix
+  }
+}
\ No newline at end of file
diff --git a/composables/useStorSync.ts b/composables/useStorSync.ts
new file mode 100644
index 0000000..f222cf9
--- /dev/null
+++ b/composables/useStorSync.ts
@@ -0,0 +1,260 @@
+/**
+ * Store Synchronization Composable
+ * 
+ * Ensures that the legacy stores (streams, members, policies) always stay
+ * synchronized with the new CoopBuilderStore. This makes the setup interface
+ * the single source of truth while maintaining backward compatibility.
+ */
+
+export const useStoreSync = () => {
+  const coopStore = useCoopBuilderStore()
+  const streamsStore = useStreamsStore()
+  const membersStore = useMembersStore()
+  const policiesStore = usePoliciesStore()
+
+  // Flags to prevent recursive syncing and duplicate watchers
+  let isSyncing = false
+  let watchersSetup = false
+
+  // Sync CoopBuilder -> Legacy Stores
+  const syncToLegacyStores = () => {
+    if (isSyncing) return
+    isSyncing = true
+    // Sync streams
+    streamsStore.resetStreams()
+    coopStore.streams.forEach((stream: any) => {
+      streamsStore.upsertStream({
+        id: stream.id,
+        name: stream.label,
+        category: stream.category || 'services',
+        targetMonthlyAmount: stream.monthly,
+        certainty: stream.certainty || 'Probable',
+        payoutDelayDays: 30,
+        terms: 'Net 30',
+        targetPct: 0,
+        revenueSharePct: 0,
+        platformFeePct: 0,
+        restrictions: 'General',
+        seasonalityWeights: new Array(12).fill(1),
+        effortHoursPerMonth: 0
+      })
+    })
+
+    // Sync members
+    membersStore.resetMembers()
+    coopStore.members.forEach((member: any) => {
+      membersStore.upsertMember({
+        id: member.id,
+        displayName: member.name,
+        role: member.role || '',
+        hoursPerWeek: Math.round((member.hoursPerMonth || 0) / 4.33),
+        minMonthlyNeeds: member.minMonthlyNeeds || 0,
+        monthlyPayPlanned: member.monthlyPayPlanned || 0,
+        targetMonthlyPay: member.targetMonthlyPay || 0,
+        externalMonthlyIncome: member.externalMonthlyIncome || 0
+      })
+    })
+
+    // Sync policies - using individual update calls based on store structure
+    policiesStore.updatePolicy('equalHourlyWage', coopStore.equalHourlyWage)
+    policiesStore.updatePolicy('payrollOncostPct', coopStore.payrollOncostPct)
+    policiesStore.updatePolicy('savingsTargetMonths', coopStore.savingsTargetMonths)
+    policiesStore.updatePolicy('minCashCushionAmount', coopStore.minCashCushion)
+    
+    // Reset flag after sync completes
+    nextTick(() => {
+      isSyncing = false
+    })
+  }
+
+  // Sync Legacy Stores -> CoopBuilder
+  const syncFromLegacyStores = () => {
+    if (isSyncing) return
+    isSyncing = true
+    // Sync streams from legacy store
+    streamsStore.streams.forEach((stream: any) => {
+      coopStore.upsertStream({
+        id: stream.id,
+        label: stream.name,
+        monthly: stream.targetMonthlyAmount,
+        category: stream.category,
+        certainty: stream.certainty
+      })
+    })
+
+    // Sync members from legacy store
+    membersStore.members.forEach((member: any) => {
+      coopStore.upsertMember({
+        id: member.id,
+        name: member.displayName,
+        role: member.role,
+        hoursPerMonth: Math.round((member.hoursPerWeek || 0) * 4.33),
+        minMonthlyNeeds: member.minMonthlyNeeds,
+        monthlyPayPlanned: member.monthlyPayPlanned,
+        targetMonthlyPay: member.targetMonthlyPay,
+        externalMonthlyIncome: member.externalMonthlyIncome
+      })
+    })
+
+    // Sync policies from legacy store
+    if (policiesStore.isValid) {
+      coopStore.setEqualWage(policiesStore.equalHourlyWage)
+      coopStore.setOncostPct(policiesStore.payrollOncostPct)
+      coopStore.savingsTargetMonths = policiesStore.savingsTargetMonths
+      coopStore.minCashCushion = policiesStore.minCashCushionAmount
+      if (policiesStore.payPolicy?.relationship) {
+        coopStore.setPolicy(policiesStore.payPolicy.relationship as any)
+      }
+    }
+    
+    // Reset flag after sync completes
+    nextTick(() => {
+      isSyncing = false
+    })
+  }
+
+  // Watch for changes in CoopBuilder and sync to legacy stores
+  const setupCoopBuilderWatchers = () => {
+    // Watch streams changes
+    watch(() => coopStore.streams, () => {
+      if (!isSyncing) {
+        syncToLegacyStores()
+      }
+    }, { deep: true })
+
+    // Watch members changes
+    watch(() => coopStore.members, () => {
+      if (!isSyncing) {
+        syncToLegacyStores()
+      }
+    }, { deep: true })
+
+    // Watch policy changes
+    watch(() => [
+      coopStore.equalHourlyWage,
+      coopStore.payrollOncostPct,
+      coopStore.savingsTargetMonths,
+      coopStore.minCashCushion,
+      coopStore.currency,
+      coopStore.policy.relationship
+    ], () => {
+      if (!isSyncing) {
+        syncToLegacyStores()
+      }
+    })
+  }
+
+  // Watch for changes in legacy stores and sync to CoopBuilder
+  const setupLegacyStoreWatchers = () => {
+    // Watch streams store changes
+    watch(() => streamsStore.streams, () => {
+      if (!isSyncing) {
+        syncFromLegacyStores()
+      }
+    }, { deep: true })
+
+    // Watch members store changes
+    watch(() => membersStore.members, () => {
+      if (!isSyncing) {
+        syncFromLegacyStores()
+      }
+    }, { deep: true })
+
+    // Watch policies store changes
+    watch(() => [
+      policiesStore.equalHourlyWage,
+      policiesStore.payrollOncostPct,
+      policiesStore.savingsTargetMonths,
+      policiesStore.minCashCushionAmount,
+      policiesStore.payPolicy?.relationship
+    ], () => {
+      if (!isSyncing) {
+        syncFromLegacyStores()
+      }
+    })
+  }
+
+  // Initialize synchronization
+  const initSync = async () => {
+    // Wait for next tick to ensure stores are mounted
+    await nextTick()
+    
+    // Force store hydration by accessing $state
+    if (coopStore.$state) {
+      console.log('🔄 CoopBuilder store hydrated')
+    }
+    
+    // Small delay to ensure localStorage is loaded
+    await new Promise(resolve => setTimeout(resolve, 10))
+    
+    // Determine which store has data and sync accordingly
+    const coopHasData = coopStore.members.length > 0 || coopStore.streams.length > 0
+    const legacyHasData = streamsStore.streams.length > 0 || membersStore.members.length > 0
+
+    console.log('🔄 InitSync: CoopBuilder data:', coopHasData, 'Legacy data:', legacyHasData)
+    console.log('🔄 CoopBuilder members:', coopStore.members.length, 'streams:', coopStore.streams.length)
+    console.log('🔄 Legacy members:', membersStore.members.length, 'streams:', streamsStore.streams.length)
+
+    if (coopHasData && !legacyHasData) {
+      console.log('🔄 Syncing CoopBuilder → Legacy')
+      syncToLegacyStores()
+    } else if (legacyHasData && !coopHasData) {
+      console.log('🔄 Syncing Legacy → CoopBuilder')
+      syncFromLegacyStores()
+    } else if (coopHasData && legacyHasData) {
+      console.log('🔄 Both have data, keeping in sync')
+      // Both have data, ensure consistency by syncing from CoopBuilder (primary source)
+      syncToLegacyStores()
+    } else {
+      console.log('🔄 No data in either store')
+    }
+
+    // Set up watchers for ongoing sync (only once)
+    if (!watchersSetup) {
+      setupCoopBuilderWatchers()
+      setupLegacyStoreWatchers()
+      watchersSetup = true
+    }
+    
+    // Return promise to allow awaiting
+    return Promise.resolve()
+  }
+
+  // Get unified streams data (prioritize CoopBuilder) - make reactive
+  const unifiedStreams = computed(() => {
+    if (coopStore.streams.length > 0) {
+      return coopStore.streams.map(stream => ({
+        ...stream,
+        name: stream.label,
+        targetMonthlyAmount: stream.monthly
+      }))
+    }
+    return streamsStore.streams
+  })
+
+  // Get unified members data (prioritize CoopBuilder) - make reactive
+  const unifiedMembers = computed(() => {
+    if (coopStore.members.length > 0) {
+      return coopStore.members.map(member => ({
+        ...member,
+        displayName: member.name,
+        hoursPerWeek: Math.round((member.hoursPerMonth || 0) / 4.33)
+      }))
+    }
+    return membersStore.members
+  })
+
+  // Getter functions for backward compatibility
+  const getStreams = () => unifiedStreams.value
+  const getMembers = () => unifiedMembers.value
+
+  return {
+    syncToLegacyStores,
+    syncFromLegacyStores,
+    initSync,
+    getStreams,
+    getMembers,
+    unifiedStreams,
+    unifiedMembers
+  }
+}
\ No newline at end of file
diff --git a/pages/budget.vue b/pages/budget.vue
index 6234280..3d3b0f5 100644
--- a/pages/budget.vue
+++ b/pages/budget.vue
@@ -57,8 +57,27 @@
         </div>
       </div>
 
+      <!-- Empty State Message -->
+      <div v-if="activeView === 'monthly' && budgetWorksheet.revenue.length === 0 && budgetWorksheet.expenses.length === 0" class="border-4 border-black bg-white shadow-[8px_8px_0px_0px_rgba(0,0,0,1)] p-12 text-center">
+        <div class="max-w-md mx-auto space-y-6">
+          <div class="text-6xl">📊</div>
+          <h3 class="text-xl font-bold text-black">No budget data found</h3>
+          <p class="text-gray-600">
+            Your budget is empty. Complete the setup wizard to add your revenue streams, team members, and expenses.
+          </p>
+          <div class="flex justify-center">
+            <NuxtLink
+              to="/coop-builder"
+              class="inline-flex items-center px-4 py-2 text-sm font-medium text-white bg-black hover:bg-gray-800 border-2 border-black transition-colors"
+            >
+              Complete Setup Wizard
+            </NuxtLink>
+          </div>
+        </div>
+      </div>
+
       <!-- Monthly View -->
-      <div v-if="activeView === 'monthly'" class="border-4 border-black bg-white shadow-[8px_8px_0px_0px_rgba(0,0,0,1)]">
+      <div v-else-if="activeView === 'monthly'" class="border-4 border-black bg-white shadow-[8px_8px_0px_0px_rgba(0,0,0,1)]">
         <div class="overflow-x-auto">
           <table class="w-full border-collapse text-sm">
             <thead>
@@ -236,13 +255,38 @@
                           </div>
                         </div>
                       </div>
+                      
+                      <!-- Special settings gear for payroll oncosts -->
+                      <div v-if="item.id === 'expense-payroll-oncosts'" class="flex items-center gap-1">
+                        <UButton
+                          @click="showPayrollOncostModal = true"
+                          size="xs"
+                          variant="ghost"
+                          icon="i-heroicons-cog-6-tooth"
+                          :ui="{
+                            base: 'text-gray-500 hover:bg-gray-100 opacity-0 group-hover:opacity-100 transition-all',
+                          }"
+                        />
+                        <UButton
+                          @click="removeItem('expenses', item.id)"
+                          size="xs"
+                          variant="ghost"
+                          :ui="{
+                            base: 'text-red-600 hover:bg-red-100 opacity-0 group-hover:opacity-100 transition-none',
+                          }"
+                        >
+                          ×
+                        </UButton>
+                      </div>
+                      
+                      <!-- Regular delete button for non-payroll items -->
                       <UButton
+                        v-else
                         @click="removeItem('expenses', item.id)"
                         size="xs"
                         variant="ghost"
                         :ui="{
-                          base:
-                            'text-red-600 hover:bg-red-100 opacity-0 group-hover:opacity-100 transition-none',
+                          base: 'text-red-600 hover:bg-red-100 opacity-0 group-hover:opacity-100 transition-none',
                         }"
                       >
                         ×
@@ -316,7 +360,7 @@
     <!-- Add Revenue Modal -->
     <UModal v-model:open="showAddRevenueModal">
       <template #header>
-        <div class="flex items-center justify-between border-b-4 border-black pb-4">
+        <div class="flex items-center justify-between pb-4">
           <div>
             <h3 class="text-xl font-bold text-black">Add Revenue Source</h3>
             <p class="mt-1 text-sm text-gray-600">
@@ -334,7 +378,7 @@
       </template>
 
       <template #body>
-        <div class="space-y-5 py-4">
+        <div class="space-y-6 py-4">
           <UFormGroup label="Category" required>
             <USelectMenu
               v-model="newRevenue.category"
@@ -417,7 +461,7 @@
       </template>
 
       <template #footer>
-        <div class="flex justify-end gap-3 border-t-2 border-gray-200 pt-4">
+        <div class="flex justify-end gap-3 pt-4">
           <UButton @click="showAddRevenueModal = false" variant="outline" size="md">
             Cancel
           </UButton>
@@ -438,7 +482,7 @@
     <!-- Add Expense Modal -->
     <UModal v-model:open="showAddExpenseModal">
       <template #header>
-        <div class="flex items-center justify-between border-b-4 border-black pb-4">
+        <div class="flex items-center justify-between pb-4">
           <div>
             <h3 class="text-xl font-bold text-black">Add Expense Item</h3>
             <p class="mt-1 text-sm text-gray-600">Create a new expense for your budget</p>
@@ -454,7 +498,7 @@
       </template>
 
       <template #body>
-        <div class="space-y-5 py-4">
+        <div class="space-y-6 py-4">
           <UFormGroup label="Category" required>
             <USelectMenu
               v-model="newExpense.category"
@@ -528,7 +572,7 @@
       </template>
 
       <template #footer>
-        <div class="flex justify-end gap-3 border-t-2 border-gray-200 pt-4">
+        <div class="flex justify-end gap-3 pt-4">
           <UButton @click="showAddExpenseModal = false" variant="outline" size="md">
             Cancel
           </UButton>
@@ -544,20 +588,102 @@
         </div>
       </template>
     </UModal>
+
+    <!-- Payroll Oncost Settings Modal -->
+    <PayrollOncostModal 
+      v-model:open="showPayrollOncostModal"
+      @save="handlePayrollOncostUpdate"
+    />
   </div>
 </template>
 
 <script setup lang="ts">
-// Stores
+// Stores and synchronization
 const budgetStore = useBudgetStore();
 const streamsStore = useStreamsStore();
 const membersStore = useMembersStore();
 const policiesStore = usePoliciesStore();
+const coopBuilderStore = useCoopBuilderStore();
+const { initSync, getStreams, getMembers, unifiedStreams, unifiedMembers } = useStoreSync();
+
+// Initialize synchronization and budget data
+const initializeBudgetPage = async () => {
+  console.log('📊 Budget Page: Starting initialization');
+  
+  // First, sync stores to ensure data is available (now async)
+  await initSync();
+  
+  // Additional wait to ensure all reactive updates have propagated
+  await nextTick();
+  
+  // Now check if we need to initialize budget data
+  const hasCoopData = coopBuilderStore.streams.length > 0 || coopBuilderStore.members.length > 0;
+  const hasBudgetData = budgetStore.budgetWorksheet.revenue.length > 0 || budgetStore.budgetWorksheet.expenses.length > 0;
+  
+  console.log('📊 Budget Page: After sync - hasCoopData:', hasCoopData, 'hasBudgetData:', hasBudgetData);
+  console.log('📊 Budget Page: Coop streams:', coopBuilderStore.streams);
+  console.log('📊 Budget Page: Coop members:', coopBuilderStore.members);
+  
+  if (hasCoopData && !hasBudgetData) {
+    console.log('📊 Budget Page: Initializing budget from coop data');
+    // Force initialization since we have coop data but no budget data
+    await budgetStore.forceInitializeFromWizardData();
+    // Refresh the page data after initialization
+    await nextTick();
+  } else if (!hasCoopData && !hasBudgetData) {
+    console.log('📊 Budget Page: No data found in any store');
+    // Try one more time to get the data after a delay
+    await new Promise(resolve => setTimeout(resolve, 100));
+    const retryCoopData = coopBuilderStore.streams.length > 0 || coopBuilderStore.members.length > 0;
+    if (retryCoopData) {
+      console.log('📊 Budget Page: Found data on retry, initializing');
+      await budgetStore.forceInitializeFromWizardData();
+    }
+  } else if (hasBudgetData) {
+    console.log('📊 Budget Page: Budget data already exists, using existing data');
+  }
+};
+
+// Initialize on mount
+onMounted(async () => {
+  // Always force reinitialize when navigating to budget page
+  // This ensures changes from setup are reflected
+  await budgetStore.forceInitializeFromWizardData();
+  // Mark initial load as complete after initialization
+  await nextTick();
+  initialLoadComplete = true;
+});
+
+// Track if initial load is complete
+let initialLoadComplete = false;
+
+// Re-initialize when coop data changes (but not on initial load)
+watch([() => coopBuilderStore.streams, () => coopBuilderStore.members], async (newVal, oldVal) => {
+  // Skip the initial trigger
+  if (!initialLoadComplete) {
+    return;
+  }
+  
+  // Only reinitialize if we actually have new data
+  const hasNewStreams = coopBuilderStore.streams.length > 0;
+  const hasNewMembers = coopBuilderStore.members.length > 0;
+  
+  if (hasNewStreams || hasNewMembers) {
+    console.log('📊 Budget Page: Coop data changed, reinitializing');
+    await nextTick();
+    await initializeBudgetPage();
+  }
+}, { deep: true });
+
+// Use reactive synchronized data
+const syncedStreams = unifiedStreams;
+const syncedMembers = unifiedMembers;
 
 // State
 const activeView = ref('monthly');
 const showAddRevenueModal = ref(false);
 const showAddExpenseModal = ref(false);
+const showPayrollOncostModal = ref(false);
 const activeTab = ref(0);
 const highlightedItemId = ref<string | null>(null);
 
@@ -656,21 +782,15 @@ const monthlyHeaders = computed(() => {
   return headers;
 });
 
-// Grouped data
+// Grouped data with safe fallbacks
+const budgetWorksheet = computed(() => budgetStore.budgetWorksheet || { revenue: [], expenses: [] });
 const groupedRevenue = computed(() => budgetStore.groupedRevenue);
 const groupedExpenses = computed(() => budgetStore.groupedExpenses);
 const monthlyTotals = computed(() => budgetStore.monthlyTotals);
 
 
 // Initialize on mount
-onMounted(async () => {
-  try {
-    // Only initialize if not already done (preserve persisted data)
-    await budgetStore.initializeFromWizardData();
-  } catch (error) {
-    console.error("Error initializing budget page:", error);
-  }
-});
+// Removed duplicate onMounted - initialization is now handled above
 
 // Add revenue item
 function addRevenueItem() {
@@ -824,6 +944,7 @@ function resetWorksheet() {
   }
 }
 
+
 // Export budget
 function exportBudget() {
   const data = {
@@ -861,6 +982,15 @@ function getNetIncomeClass(amount: number): string {
   return "text-gray-600";
 }
 
+// Payroll oncost handling
+function handlePayrollOncostUpdate(newPercentage: number) {
+  // Update the coop store
+  coopBuilderStore.payrollOncostPct = newPercentage;
+  
+  // Refresh the budget to reflect the new oncost percentage
+  budgetStore.refreshPayrollInBudget();
+}
+
 // SEO
 useSeoMeta({
   title: "Budget Worksheet - Plan Your Co-op's Financial Future",
diff --git a/pages/cash.vue b/pages/cash.vue
deleted file mode 100644
index 3ce5d2e..0000000
--- a/pages/cash.vue
+++ /dev/null
@@ -1,101 +0,0 @@
-<template>
-  <section class="py-8 space-y-6">
-    <div class="flex items-center justify-between">
-      <h2 class="text-2xl font-semibold">Cash Calendar</h2>
-      <UBadge v-if="firstBreachWeek" color="red" variant="subtle"
-        >Week {{ firstBreachWeek }} cushion breach</UBadge
-      >
-      <UBadge v-else color="green" variant="subtle"
-        >No cushion breach projected</UBadge
-      >
-    </div>
-
-    <UCard>
-      <template #header>
-        <h3 class="text-lg font-medium">13-Week Cash Flow</h3>
-      </template>
-      <div class="space-y-4">
-        <div class="text-sm text-neutral-600">
-          Week-by-week cash inflows and outflows with minimum cushion tracking.
-        </div>
-
-        <div
-          class="grid grid-cols-7 gap-2 text-xs font-medium text-neutral-500">
-          <div>Week</div>
-          <div>Inflow</div>
-          <div>Outflow</div>
-          <div>Net</div>
-          <div>Balance</div>
-          <div>Cushion</div>
-          <div>Status</div>
-        </div>
-
-        <div
-          v-for="week in weeks"
-          :key="week.number"
-          class="grid grid-cols-7 gap-2 text-sm py-2 border-b border-neutral-100"
-          :class="{ 'bg-red-50': week.breachesCushion }">
-          <div class="font-medium">{{ week.number }}</div>
-          <div class="text-green-600">+€{{ week.inflow.toLocaleString() }}</div>
-          <div class="text-red-600">-€{{ week.outflow.toLocaleString() }}</div>
-          <div :class="week.net >= 0 ? 'text-green-600' : 'text-red-600'">
-            {{ week.net >= 0 ? "+" : "" }}€{{ week.net.toLocaleString() }}
-          </div>
-          <div class="font-medium">€{{ week.balance.toLocaleString() }}</div>
-          <div
-            :class="
-              week.breachesCushion
-                ? 'text-red-600 font-medium'
-                : 'text-neutral-600'
-            ">
-            €{{ week.cushion.toLocaleString() }}
-          </div>
-          <div>
-            <UBadge v-if="week.breachesCushion" color="red" size="xs">
-              Breach
-            </UBadge>
-            <UBadge v-else color="green" size="xs"> OK </UBadge>
-          </div>
-        </div>
-
-        <div class="mt-4 p-3 bg-orange-50 rounded-lg">
-          <div class="flex items-center gap-2">
-            <UIcon
-              name="i-heroicons-exclamation-triangle"
-              class="text-orange-500" />
-            <span class="text-sm font-medium text-orange-800">
-              This week would drop below your minimum cushion.
-            </span>
-          </div>
-        </div>
-      </div>
-    </UCard>
-  </section>
-</template>
-
-<script setup lang="ts">
-const cashStore = useCashStore();
-const { weeklyProjections } = storeToRefs(cashStore);
-
-const weeks = computed(() => {
-  // If no projections, show empty state
-  if (weeklyProjections.value.length === 0) {
-    return Array.from({ length: 13 }, (_, index) => ({
-      number: index + 1,
-      inflow: 0,
-      outflow: 0,
-      net: 0,
-      balance: 0,
-      cushion: 0,
-      breachesCushion: false,
-    }));
-  }
-  return weeklyProjections.value;
-});
-
-// Find first week that breaches cushion
-const firstBreachWeek = computed(() => {
-  const breachWeek = weeks.value.find((week) => week.breachesCushion);
-  return breachWeek ? breachWeek.number : null;
-});
-</script>
diff --git a/pages/coop-builder.vue b/pages/coop-builder.vue
index c09814e..9a5d4f8 100644
--- a/pages/coop-builder.vue
+++ b/pages/coop-builder.vue
@@ -48,7 +48,7 @@
 
       <!-- Vertical Steps Layout -->
       <div v-else class="space-y-4">
-        <!-- Step 1: Members -->
+        <!-- Step 1: Pay Policy -->
         <div class="relative">
           <!-- Dithered shadow for selected state -->
           <div
@@ -68,12 +68,12 @@
                   <div
                     class="w-8 h-8 flex items-center justify-center text-sm font-bold border-2"
                     :class="
-                      membersValid
+                      policiesValid
                         ? 'bg-black dark:bg-white text-white dark:text-black border-black dark:border-white'
                         : 'bg-white dark:bg-neutral-950 text-black dark:text-white border-black dark:border-white'
                     ">
                     <UIcon
-                      v-if="membersValid"
+                      v-if="policiesValid"
                       name="i-heroicons-check"
                       class="w-4 h-4" />
                     <span v-else>1</span>
@@ -81,7 +81,7 @@
                   <div>
                     <h3
                       class="text-2xl font-black text-black dark:text-white uppercase tracking-wide">
-                      Add your team
+                      Choose pay approach
                     </h3>
                   </div>
                 </div>
@@ -95,12 +95,12 @@
             <div
               v-if="focusedStep === 1"
               class="p-8 bg-neutral-50 dark:bg-neutral-900 border-t-2 border-black dark:border-white">
-              <WizardMembersStep @save-status="handleSaveStatus" />
+              <WizardPoliciesStep @save-status="handleSaveStatus" />
             </div>
           </div>
         </div>
 
-        <!-- Step 2: Wage -->
+        <!-- Step 2: Members -->
         <div class="relative">
           <!-- Dithered shadow for selected state -->
           <div
@@ -120,12 +120,12 @@
                   <div
                     class="w-8 h-8 flex items-center justify-center text-sm font-bold border-2"
                     :class="
-                      policiesValid
+                      membersValid
                         ? 'bg-black dark:bg-white text-white dark:text-black border-black dark:border-white'
                         : 'bg-white dark:bg-neutral-950 text-black dark:text-white border-black dark:border-white'
                     ">
                     <UIcon
-                      v-if="policiesValid"
+                      v-if="membersValid"
                       name="i-heroicons-check"
                       class="w-4 h-4" />
                     <span v-else>2</span>
@@ -133,7 +133,7 @@
                   <div>
                     <h3
                       class="text-2xl font-black text-black dark:text-white uppercase tracking-wide">
-                      Set your wage
+                      Add your team
                     </h3>
                   </div>
                 </div>
@@ -147,7 +147,7 @@
             <div
               v-if="focusedStep === 2"
               class="p-8 bg-neutral-50 dark:bg-neutral-900 border-t-2 border-black dark:border-white">
-              <WizardPoliciesStep @save-status="handleSaveStatus" />
+              <WizardMembersStep @save-status="handleSaveStatus" />
             </div>
           </div>
         </div>
@@ -170,13 +170,22 @@
               <div class="flex items-center justify-between">
                 <div class="flex items-center gap-3">
                   <div
-                    class="w-8 h-8 flex items-center justify-center text-sm font-bold border-2 bg-black dark:bg-white text-white dark:text-black border-black dark:border-white">
-                    <UIcon name="i-heroicons-check" class="w-4 h-4" />
+                    class="w-8 h-8 flex items-center justify-center text-sm font-bold border-2"
+                    :class="
+                      costsValid
+                        ? 'bg-black dark:bg-white text-white dark:text-black border-black dark:border-white'
+                        : 'bg-white dark:bg-neutral-950 text-black dark:text-white border-black dark:border-white'
+                    ">
+                    <UIcon
+                      v-if="costsValid"
+                      name="i-heroicons-check"
+                      class="w-4 h-4" />
+                    <span v-else>3</span>
                   </div>
                   <div>
                     <h3
                       class="text-2xl font-black text-black dark:text-white uppercase tracking-wide">
-                      Monthly costs
+                      Expenses
                     </h3>
                   </div>
                 </div>
@@ -247,60 +256,6 @@
           </div>
         </div>
 
-        <!-- Step 5: Review -->
-        <div class="relative">
-          <!-- Dithered shadow for selected state -->
-          <div
-            v-if="focusedStep === 5"
-            class="absolute top-2 left-2 w-full h-full dither-shadow"></div>
-
-          <div
-            :class="[
-              'relative bg-white dark:bg-neutral-950 border-2 border-black dark:border-white overflow-hidden',
-              focusedStep === 5 ? 'item-selected' : '',
-            ]">
-            <div
-              class="p-8 cursor-pointer hover:bg-neutral-100 dark:hover:bg-neutral-800 transition-colors"
-              @click="setFocusedStep(5)">
-              <div class="flex items-center justify-between">
-                <div class="flex items-center gap-3">
-                  <div
-                    class="w-8 h-8 flex items-center justify-center text-sm font-bold border-2"
-                    :class="
-                      canComplete
-                        ? 'bg-black dark:bg-white text-white dark:text-black border-black dark:border-white'
-                        : 'bg-white dark:bg-neutral-950 text-black dark:text-white border-black dark:border-white'
-                    ">
-                    <UIcon
-                      v-if="canComplete"
-                      name="i-heroicons-check"
-                      class="w-4 h-4" />
-                    <span v-else>5</span>
-                  </div>
-                  <div>
-                    <h3
-                      class="text-2xl font-black text-black dark:text-white uppercase tracking-wide">
-                      Review & finish
-                    </h3>
-                  </div>
-                </div>
-                <UIcon
-                  name="i-heroicons-chevron-down"
-                  class="w-6 h-6 text-black dark:text-white transition-transform font-bold"
-                  :class="{ 'rotate-180': focusedStep === 5 }" />
-              </div>
-            </div>
-
-            <div
-              v-if="focusedStep === 5"
-              class="p-8 bg-neutral-50 dark:bg-neutral-900 border-t-2 border-black dark:border-white">
-              <WizardReviewStep
-                @complete="completeWizard"
-                @reset="resetWizard" />
-            </div>
-          </div>
-        </div>
-
         <!-- Progress Actions -->
         <div class="flex justify-between items-center pt-8">
           <button
@@ -334,12 +289,15 @@
               >
             </div>
 
-            <button
-              v-if="canComplete"
-              class="export-btn primary"
-              @click="completeWizard">
-              Complete Setup
-            </button>
+            <UTooltip :text="incompleteSectionsText" :prevent="canComplete">
+              <button
+                class="export-btn primary"
+                :class="{ 'opacity-50 cursor-not-allowed': !canComplete }"
+                :disabled="!canComplete"
+                @click="canComplete ? completeWizard() : null">
+                Complete Setup
+              </button>
+            </UTooltip>
           </div>
         </div>
       </div>
@@ -357,11 +315,6 @@ const saveStatus = ref("");
 const isResetting = ref(false);
 const isCompleted = ref(false);
 
-// Computed validation
-const canComplete = computed(() => {
-  return coop.members.value.length > 0 && coop.streams.value.length > 0;
-});
-
 // Local validity flags for step headers
 const membersValid = computed(() => {
   // Valid if at least one member with a name and positive hours
@@ -375,7 +328,12 @@ const membersValid = computed(() => {
 const policiesValid = computed(() => {
   // Placeholder policy validity; mark true when wage text or policy set exists
   // Since policy not persisted yet in this store, consider valid when any member exists
-  return membersValid.value;
+  return coop.members.value.length > 0;
+});
+
+const costsValid = computed(() => {
+  // Costs are optional, so always mark as valid for now
+  return true;
 });
 
 const streamsValid = computed(() => {
@@ -389,6 +347,29 @@ const streamsValid = computed(() => {
   );
 });
 
+// Computed validation - all 4 steps must be valid
+const canComplete = computed(() => {
+  return (
+    policiesValid.value &&
+    membersValid.value &&
+    costsValid.value &&
+    streamsValid.value
+  );
+});
+
+// Generate tooltip text for incomplete sections
+const incompleteSectionsText = computed(() => {
+  if (canComplete.value) return "";
+
+  const incomplete = [];
+  if (!policiesValid.value) incomplete.push("Choose pay approach");
+  if (!membersValid.value) incomplete.push("Add team members");
+  if (!costsValid.value) incomplete.push("Add monthly costs");
+  if (!streamsValid.value) incomplete.push("Add revenue streams");
+
+  return `Complete these sections: ${incomplete.join(", ")}`;
+});
+
 // Save status handler
 function handleSaveStatus(status: "saving" | "saved" | "error") {
   saveStatus.value = status;
@@ -404,12 +385,14 @@ function handleSaveStatus(status: "saving" | "saved" | "error") {
 
 // Step management
 function setFocusedStep(step: number) {
+  console.log("Setting focused step to:", step, "Current:", focusedStep.value);
   // Toggle if clicking on already focused step
   if (focusedStep.value === step) {
     focusedStep.value = 0; // Close the section
   } else {
     focusedStep.value = step; // Open the section
   }
+  console.log("Focused step is now:", focusedStep.value);
 }
 
 function completeWizard() {
diff --git a/pages/dashboard-simple.vue b/pages/dashboard-simple.vue
index 1c49616..a471215 100644
--- a/pages/dashboard-simple.vue
+++ b/pages/dashboard-simple.vue
@@ -43,31 +43,6 @@
         </div>
       </div>
     </UCard>
-
-    <!-- Value Accounting Section -->
-    <UCard>
-      <template #header>
-        <div class="flex items-center justify-between">
-          <h3 class="text-lg font-medium">Value Accounting</h3>
-          <UBadge color="blue" variant="subtle">January 2024</UBadge>
-        </div>
-      </template>
-      
-      <div class="flex items-center justify-between">
-        <div>
-          <p class="text-sm text-gray-600 mb-2">
-            Next Value Session due January 2024
-          </p>
-          <div class="flex items-center gap-4">
-            <UProgress :value="50" :max="100" color="blue" class="w-32" />
-            <span class="text-sm text-gray-600">2/4 prep steps done</span>
-          </div>
-        </div>
-        <UButton color="primary" @click="navigateTo('/session')">
-          Start Session
-        </UButton>
-      </div>
-    </UCard>
   </div>
 </template>
 
diff --git a/pages/dashboard.vue b/pages/dashboard.vue
index c905f7e..93a3cbe 100644
--- a/pages/dashboard.vue
+++ b/pages/dashboard.vue
@@ -19,21 +19,6 @@
     <!-- Member Coverage -->
     <MemberCoveragePanel />
 
-    <!-- Advanced Tools -->
-    <AdvancedAccordion />
-
-    <!-- Next Session -->
-    <UCard class="shadow-sm rounded-xl">
-      <div class="flex items-center justify-between">
-        <div class="space-y-1">
-          <h3 class="font-semibold">Next Value Session</h3>
-          <p class="text-sm text-gray-600">Review contributions and distribute surplus</p>
-        </div>
-        <UButton color="primary" @click="navigateTo('/session')">
-          Start Session
-        </UButton>
-      </div>
-    </UCard>
   </div>
 </template>
 
@@ -41,7 +26,6 @@
 // Import components explicitly to avoid auto-import issues
 import DashboardCoreMetrics from '~/components/dashboard/DashboardCoreMetrics.vue'
 import MemberCoveragePanel from '~/components/dashboard/MemberCoveragePanel.vue'
-import AdvancedAccordion from '~/components/dashboard/AdvancedAccordion.vue'
 
 // Access composable data
 const { operatingMode, setOperatingMode } = useCoopBuilder()
diff --git a/pages/glossary.vue b/pages/glossary.vue
index 34274de..19a0253 100644
--- a/pages/glossary.vue
+++ b/pages/glossary.vue
@@ -57,12 +57,6 @@ const glossaryTerms = ref([
       "Month-by-month plan of money in and money out. Not exact dates.",
     example: "January budget shows €12,000 revenue and €9,900 costs",
   },
-  {
-    id: "cash-flow",
-    term: "Cash Flow",
-    definition: "The actual dates money moves. Shows timing risk.",
-    example: "Client pays Net 30, so January work arrives in February",
-  },
   {
     id: "concentration",
     term: "Concentration",
@@ -143,13 +137,6 @@ const glossaryTerms = ref([
     definition: "Money left over after all costs are paid.",
     example: "€12,000 revenue - €9,900 costs = €2,100 surplus",
   },
-  {
-    id: "value-accounting",
-    term: "Value Accounting",
-    definition:
-      "Monthly process to review contributions and distribute surplus.",
-    example: "January session: review work, repay deferred pay, fund training",
-  },
 ]);
 
 // Filter terms based on search
diff --git a/pages/help.vue b/pages/help.vue
index 449b383..2c40c54 100644
--- a/pages/help.vue
+++ b/pages/help.vue
@@ -117,7 +117,7 @@
               
               <h3 class="text-xl font-semibold mb-3">Monthly vs Annual Planning</h3>
               <p class="mb-4">
-                [Add content about balancing monthly cash flow with annual strategic planning]
+                [Add content about balancing monthly budgets with annual strategic planning]
               </p>
               
               <h3 class="text-xl font-semibold mb-3">Setting Realistic Goals</h3>
diff --git a/pages/index.vue b/pages/index.vue
index b2dbecb..86903a9 100644
--- a/pages/index.vue
+++ b/pages/index.vue
@@ -113,8 +113,7 @@
           title="Revenue Concentration Risk"
           :description="`${topStreamName} = ${topSourcePct}% of total → consider balancing`"
           :actions="[
-            { label: 'Plan Mix', click: () => handleAlertNavigation('/mix', 'concentration') },
-            { label: 'Scenarios', click: () => handleAlertNavigation('/scenarios', 'diversification') }
+            { label: 'Plan Mix', click: () => handleAlertNavigation('/mix', 'concentration') }
           ]" />
           
         <!-- Cushion Breach Alert -->
@@ -153,7 +152,6 @@
           :description="deferredAlert.description"
           :actions="[
             { label: 'Review Members', click: () => handleAlertNavigation('/coop-builder', 'members') },
-            { label: 'Value Session', click: () => handleAlertNavigation('/session', 'distributions') }
           ]" />
           
         <!-- Success message when no alerts -->
@@ -166,224 +164,8 @@
       </div>
     </UCard>
 
-    <!-- Scenario Snapshots -->
-    <UCard>
-      <template #header>
-        <h3 class="text-lg font-medium">Scenario Snapshots</h3>
-      </template>
-      <div class="grid grid-cols-1 md:grid-cols-3 gap-4">
-        <!-- Current Scenario -->
-        <div class="p-4 border border-neutral-200 rounded-lg">
-          <div class="flex items-center justify-between mb-2">
-            <h4 class="font-medium text-sm">{{ scenarios.current.name }}</h4>
-            <UBadge color="green" variant="subtle" size="xs">{{ scenarios.current.status }}</UBadge>
-          </div>
-          <div class="text-2xl font-bold mb-1" :class="getRunwayColor(scenarios.current.runway)">
-            {{ Math.round(scenarios.current.runway * 10) / 10 }} months
-          </div>
-          <p class="text-xs text-neutral-600">
-            Net: {{ $format.currency(scenarios.current.monthlyNet) }}/mo
-          </p>
-        </div>
 
-        <!-- Quit Jobs Scenario -->
-        <div class="p-4 border border-neutral-200 rounded-lg">
-          <div class="flex items-center justify-between mb-2">
-            <h4 class="font-medium text-sm">{{ scenarios.quitJobs.name }}</h4>
-            <UBadge color="gray" variant="subtle" size="xs">{{ scenarios.quitJobs.status }}</UBadge>
-          </div>
-          <div class="text-2xl font-bold mb-1" :class="getRunwayColor(scenarios.quitJobs.runway)">
-            {{ Math.round(scenarios.quitJobs.runway * 10) / 10 }} months
-          </div>
-          <p class="text-xs text-neutral-600">
-            Net: {{ $format.currency(scenarios.quitJobs.monthlyNet) }}/mo
-          </p>
-        </div>
 
-        <!-- Start Production Scenario -->
-        <div class="p-4 border border-neutral-200 rounded-lg">
-          <div class="flex items-center justify-between mb-2">
-            <h4 class="font-medium text-sm">{{ scenarios.startProduction.name }}</h4>
-            <UBadge color="gray" variant="subtle" size="xs">{{ scenarios.startProduction.status }}</UBadge>
-          </div>
-          <div class="text-2xl font-bold mb-1" :class="getRunwayColor(scenarios.startProduction.runway)">
-            {{ Math.round(scenarios.startProduction.runway * 10) / 10 }} months
-          </div>
-          <p class="text-xs text-neutral-600">
-            Net: {{ $format.currency(scenarios.startProduction.monthlyNet) }}/mo
-          </p>
-        </div>
-      </div>
-      <div class="mt-4">
-        <UButton variant="outline" @click="navigateTo('/scenarios')">
-          Compare All Scenarios
-        </UButton>
-      </div>
-    </UCard>
-
-    <!-- Next Value Accounting Session -->
-    <UCard>
-      <template #header>
-        <div class="flex items-center justify-between">
-          <h3 class="text-lg font-medium">Next Value Accounting Session</h3>
-          <UBadge color="blue" variant="subtle">January 2024</UBadge>
-        </div>
-      </template>
-      <div class="grid grid-cols-1 md:grid-cols-2 gap-6">
-        <div>
-          <h4 class="font-medium mb-3">Session Preparation</h4>
-          <div class="space-y-2">
-            <div class="flex items-center gap-3">
-              <UIcon name="i-heroicons-check-circle" class="text-green-500" />
-              <span class="text-sm">Month closed & reviewed</span>
-            </div>
-            <div class="flex items-center gap-3">
-              <UIcon name="i-heroicons-check-circle" class="text-green-500" />
-              <span class="text-sm">Contributions logged</span>
-            </div>
-            <div class="flex items-center gap-3">
-              <UIcon name="i-heroicons-x-circle" class="text-neutral-400" />
-              <span class="text-sm text-neutral-600">Surplus calculated</span>
-            </div>
-            <div class="flex items-center gap-3">
-              <UIcon name="i-heroicons-x-circle" class="text-neutral-400" />
-              <span class="text-sm text-neutral-600"
-                >Member needs reviewed</span
-              >
-            </div>
-          </div>
-          <div class="mt-4">
-            <UProgress value="50" :max="100" color="blue" />
-            <p class="text-xs text-neutral-600 mt-1">2 of 4 items complete</p>
-          </div>
-        </div>
-
-        <div>
-          <h4 class="font-medium mb-3">Available for Distribution</h4>
-          <div class="space-y-2">
-            <div class="flex justify-between text-sm">
-              <span class="text-neutral-600">Surplus</span>
-              <span class="font-medium text-green-600">{{
-                $format.currency(metrics.finances.surplus || 0)
-              }}</span>
-            </div>
-            <div class="flex justify-between text-sm">
-              <span class="text-neutral-600">Deferred owed</span>
-              <span class="font-medium text-orange-600">{{
-                $format.currency(
-                  metrics.finances.deferredLiabilities.totalDeferred
-                )
-              }}</span>
-            </div>
-            <div class="flex justify-between text-sm">
-              <span class="text-neutral-600">Savings gap</span>
-              <span class="font-medium text-blue-600">{{
-                $format.currency(metrics.finances.savingsGap || 0)
-              }}</span>
-            </div>
-          </div>
-          <div class="mt-4">
-            <UButton color="primary" @click="navigateTo('/session')">
-              Start Session
-            </UButton>
-          </div>
-        </div>
-      </div>
-    </UCard>
-
-    <!-- Advanced Planning Panel -->
-    <UCard>
-      <template #header>
-        <div class="flex items-center justify-between">
-          <h3 class="text-lg font-medium">Advanced Planning</h3>
-          <UButton
-            variant="ghost"
-            size="sm"
-            @click="showAdvanced = !showAdvanced"
-            :icon="showAdvanced ? 'i-heroicons-chevron-up' : 'i-heroicons-chevron-down'"
-          >
-            {{ showAdvanced ? 'Hide' : 'Show' }} Advanced
-          </UButton>
-        </div>
-      </template>
-      
-      <div v-show="showAdvanced" class="space-y-6">
-        <!-- Stress Tests -->
-        <div class="border rounded-lg p-4">
-          <h4 class="font-medium mb-3">Stress Tests</h4>
-          <div class="grid grid-cols-1 md:grid-cols-3 gap-4">
-            <div>
-              <label class="text-sm font-medium text-gray-700 mb-1 block">Revenue Delay (months)</label>
-              <UInput
-                v-model="stressTests.revenueDelay"
-                type="number"
-                min="0"
-                max="6"
-                size="sm"
-                @input="updateStressTest"
-              />
-            </div>
-            <div>
-              <label class="text-sm font-medium text-gray-700 mb-1 block">Cost Shock (%)</label>
-              <UInput
-                v-model="stressTests.costShockPct"
-                type="number"
-                min="0"
-                max="100"
-                size="sm"
-                @input="updateStressTest"
-              />
-            </div>
-            <div>
-              <label class="text-sm font-medium text-gray-700 mb-1 block">Major Grant Lost</label>
-              <UToggle
-                v-model="stressTests.grantLost"
-                @update:model-value="updateStressTest"
-              />
-            </div>
-          </div>
-          
-          <!-- Stress Test Results -->
-          <div v-if="hasStressTest" class="mt-4 p-3 bg-yellow-50 border border-yellow-200 rounded">
-            <div class="flex items-center justify-between">
-              <div>
-                <h5 class="font-medium text-yellow-800">Stress Test Results</h5>
-                <p class="text-sm text-yellow-700">
-                  Runway under stress: {{ Math.round(stressedRunway * 10) / 10 }} months
-                  ({{ Math.round((stressedRunway - metrics.runway) * 10) / 10 }} month change)
-                </p>
-              </div>
-              <UButton size="xs" @click="applyStressTest">Apply to Plan</UButton>
-            </div>
-          </div>
-        </div>
-        
-        <!-- Policy Sandbox -->
-        <div class="border rounded-lg p-4">
-          <h4 class="font-medium mb-3">Policy Sandbox</h4>
-          <p class="text-sm text-gray-600 mb-3">
-            Try different pay relationships without overwriting your current plan.
-          </p>
-          <div class="grid grid-cols-1 md:grid-cols-2 gap-4">
-            <div>
-              <label class="text-sm font-medium text-gray-700 mb-1 block">Test Pay Policy</label>
-              <USelect
-                v-model="sandboxPolicy"
-                :options="policyOptions"
-                size="sm"
-                @update:model-value="updateSandboxPolicy"
-              />
-            </div>
-            <div v-if="sandboxRunway">
-              <label class="text-sm font-medium text-gray-700 mb-1 block">Projected Runway</label>
-              <div class="text-lg font-bold" :class="getRunwayColor(sandboxRunway)">
-                {{ Math.round(sandboxRunway * 10) / 10 }} months
-              </div>
-            </div>
-          </div>
-        </div>
-      </div>
-    </UCard>
 
     <!-- Quick Actions -->
     <div class="grid grid-cols-1 md:grid-cols-2 lg:grid-cols-4 gap-4">
@@ -398,38 +180,7 @@
         </div>
       </UButton>
 
-      <UButton
-        block
-        variant="ghost"
-        class="justify-start h-auto p-4"
-        @click="navigateTo('/cash')">
-        <div class="text-left">
-          <div class="font-medium">Cash Calendar</div>
-          <div class="text-xs text-neutral-500">13-week cash flow</div>
-        </div>
-      </UButton>
 
-      <UButton
-        block
-        variant="ghost"
-        class="justify-start h-auto p-4"
-        @click="navigateTo('/scenarios')">
-        <div class="text-left">
-          <div class="font-medium">Scenarios</div>
-          <div class="text-xs text-neutral-500">What-if analysis</div>
-        </div>
-      </UButton>
-
-      <UButton
-        block
-        color="primary"
-        class="justify-start h-auto p-4"
-        @click="navigateTo('/session')">
-        <div class="text-left">
-          <div class="font-medium">Next Session</div>
-          <div class="text-xs">Value Accounting</div>
-        </div>
-      </UButton>
     </div>
   </section>
 </template>
@@ -451,27 +202,6 @@ const { getDualModeRunway, getMonthlyBurn } = useRunway();
 // Cushion forecast and savings progress
 const { savingsProgress, cushionForecast, alerts } = useCushionForecast();
 
-// Scenario calculations
-const { scenarios } = useScenarios();
-
-// Advanced panel state
-const showAdvanced = ref(false);
-
-// Stress testing
-const stressTests = ref({
-  revenueDelay: 0,
-  costShockPct: 0,
-  grantLost: false
-});
-
-// Policy sandbox
-const sandboxPolicy = ref('equal-pay');
-const policyOptions = [
-  { label: 'Equal Pay', value: 'equal-pay' },
-  { label: 'Needs Weighted', value: 'needs-weighted' },
-  { label: 'Hours Weighted', value: 'hours-weighted' },
-  { label: 'Role Banded', value: 'role-banded' }
-];
 
 // Calculate metrics from real store data
 const metrics = computed(() => {
@@ -573,21 +303,6 @@ function getRunwayColor(months: number): string {
   return 'text-red-600'
 }
 
-// Calculate scenario metrics
-const scenarioMetrics = computed(() => {
-  const baseRunway = metrics.value.runway;
-  return {
-    current: {
-      runway: Math.round(baseRunway * 100) / 100 || 0,
-    },
-    quitJobs: {
-      runway: Math.round(baseRunway * 0.7 * 100) / 100 || 0, // Shorter runway due to higher costs
-    },
-    startProduction: {
-      runway: Math.round(baseRunway * 0.8 * 100) / 100 || 0, // Moderate impact
-    },
-  };
-});
 
 // Cash breach description
 const cashBreachDescription = computed(() => {
@@ -629,135 +344,6 @@ const onImport = async () => {
 
 const { exportAll, importAll } = useFixtureIO();
 
-// Advanced panel computed properties and methods
-const hasStressTest = computed(() => {
-  return stressTests.value.revenueDelay > 0 || 
-         stressTests.value.costShockPct > 0 || 
-         stressTests.value.grantLost;
-});
-
-const stressedRunway = computed(() => {
-  if (!hasStressTest.value) return metrics.value.runway;
-  
-  const cash = cashStore.currentCash || 50000;
-  const savings = cashStore.currentSavings || 15000;
-  
-  // Apply stress test adjustments
-  let adjustedRevenue = streamsStore.streams.reduce((sum, s) => sum + (s.targetMonthlyAmount || 0), 0);
-  let adjustedCosts = getMonthlyBurn();
-  
-  // Revenue delay impact (reduce revenue by delay percentage)
-  if (stressTests.value.revenueDelay > 0) {
-    adjustedRevenue *= Math.max(0, 1 - (stressTests.value.revenueDelay / 12));
-  }
-  
-  // Cost shock impact 
-  if (stressTests.value.costShockPct > 0) {
-    adjustedCosts *= (1 + stressTests.value.costShockPct / 100);
-  }
-  
-  // Grant lost (remove largest revenue stream if it's a grant)
-  if (stressTests.value.grantLost) {
-    const grantStreams = streamsStore.streams.filter(s => 
-      s.category?.toLowerCase().includes('grant') || 
-      s.name.toLowerCase().includes('grant')
-    );
-    if (grantStreams.length > 0) {
-      const largestGrant = Math.max(...grantStreams.map(s => s.targetMonthlyAmount || 0));
-      adjustedRevenue -= largestGrant;
-    }
-  }
-  
-  const netMonthly = adjustedRevenue - adjustedCosts;
-  const burnRate = netMonthly < 0 ? Math.abs(netMonthly) : adjustedCosts;
-  
-  return burnRate > 0 ? (cash + savings) / burnRate : Infinity;
-});
-
-const sandboxRunway = computed(() => {
-  if (!sandboxPolicy.value || sandboxPolicy.value === policiesStore.payPolicy?.relationship) {
-    return null;
-  }
-  
-  // Calculate runway with sandbox policy
-  const cash = cashStore.currentCash || 50000;
-  const savings = cashStore.currentSavings || 15000;
-  
-  // Create sandbox policy object
-  const testPolicy = {
-    relationship: sandboxPolicy.value,
-    equalHourlyWage: policiesStore.equalHourlyWage,
-    roleBands: policiesStore.payPolicy?.roleBands || []
-  };
-  
-  // Use scenario calculation with sandbox policy
-  const { calculateScenarioRunway } = useScenarios();
-  const result = calculateScenarioRunway(membersStore.members, streamsStore.streams);
-  
-  // Apply simple adjustment based on policy type
-  let policyMultiplier = 1;
-  switch (sandboxPolicy.value) {
-    case 'needs-weighted':
-      policyMultiplier = 0.9; // Slightly higher costs
-      break;
-    case 'role-banded':
-      policyMultiplier = 0.85; // Higher costs due to senior roles
-      break;
-    case 'hours-weighted':
-      policyMultiplier = 0.95; // Moderate increase
-      break;
-  }
-  
-  return result.runway * policyMultiplier;
-});
-
-function updateStressTest() {
-  // Reactive computed will handle updates automatically
-}
-
-function updateSandboxPolicy() {
-  // Reactive computed will handle updates automatically  
-}
-
-function applyStressTest() {
-  // Apply stress test adjustments to the actual plan
-  if (stressTests.value.revenueDelay > 0) {
-    // Reduce all stream targets by delay impact
-    streamsStore.streams.forEach(stream => {
-      const reduction = (stressTests.value.revenueDelay / 12) * (stream.targetMonthlyAmount || 0);
-      streamsStore.updateStream(stream.id, {
-        targetMonthlyAmount: Math.max(0, (stream.targetMonthlyAmount || 0) - reduction)
-      });
-    });
-  }
-  
-  if (stressTests.value.costShockPct > 0) {
-    // Increase overhead costs
-    const shockMultiplier = 1 + (stressTests.value.costShockPct / 100);
-    budgetStore.overheadCosts.forEach(cost => {
-      budgetStore.updateOverheadCost(cost.id, {
-        amount: (cost.amount || 0) * shockMultiplier
-      });
-    });
-  }
-  
-  if (stressTests.value.grantLost) {
-    // Remove or reduce grant streams
-    const grantStreams = streamsStore.streams.filter(s => 
-      s.category?.toLowerCase().includes('grant') || 
-      s.name.toLowerCase().includes('grant')
-    );
-    if (grantStreams.length > 0) {
-      const largestGrant = grantStreams.reduce((prev, current) => 
-        (prev.targetMonthlyAmount || 0) > (current.targetMonthlyAmount || 0) ? prev : current
-      );
-      streamsStore.updateStream(largestGrant.id, { targetMonthlyAmount: 0 });
-    }
-  }
-  
-  // Reset stress tests
-  stressTests.value = { revenueDelay: 0, costShockPct: 0, grantLost: false };
-};
 
 // Deferred alert logic
 const deferredAlert = computed(() => {
diff --git a/pages/mix.vue b/pages/mix.vue
index f597f62..5221a3a 100644
--- a/pages/mix.vue
+++ b/pages/mix.vue
@@ -1,7 +1,17 @@
 <template>
   <section class="py-8 space-y-6">
     <div class="flex items-center justify-between">
-      <h2 class="text-2xl font-semibold">Revenue Mix Planner</h2>
+      <div>
+        <h2 class="text-2xl font-semibold">Revenue Mix Planner</h2>
+        <div v-if="isSetupComplete" class="flex items-center gap-2 mt-1">
+          <UBadge color="green" variant="subtle" size="xs">
+            Synchronized with Setup
+          </UBadge>
+          <UButton variant="ghost" size="xs" @click="goToSetup">
+            Edit in Setup
+          </UButton>
+        </div>
+      </div>
       <UButton color="primary" @click="sendToBudget">
         Send to Budget & Scenarios
       </UButton>
@@ -169,9 +179,19 @@
 <script setup lang="ts">
 const { $format } = useNuxtApp();
 
-// Use real store data instead of fixtures
+// Use synchronized store data - setup is the source of truth
+const { initSync, getStreams, unifiedStreams } = useStoreSync();
+const { isSetupComplete, goToSetup } = useSetupState();
 const streamsStore = useStreamsStore();
-const { streams } = storeToRefs(streamsStore);
+const coopStore = useCoopBuilderStore();
+
+// Initialize synchronization on mount
+onMounted(async () => {
+  await initSync();
+});
+
+// Use reactive synchronized streams data
+const streams = unifiedStreams;
 
 const columns = [
   { id: "name", key: "name", label: "Stream" },
@@ -184,8 +204,15 @@ const columns = [
   { id: "actions", key: "actions", label: "" },
 ];
 
-const totalTargetPct = computed(() => streamsStore.totalTargetPct);
-const totalMonthlyAmount = computed(() => streamsStore.totalMonthlyAmount);
+const totalTargetPct = computed(() => {
+  // Calculate from the unified streams data
+  return streams.value.reduce((sum, stream) => sum + (stream.targetPct || 0), 0);
+});
+
+const totalMonthlyAmount = computed(() => {
+  // Calculate from the unified streams data
+  return streams.value.reduce((sum, stream) => sum + (stream.targetMonthlyAmount || stream.monthly || 0), 0);
+});
 
 // Calculate concentration metrics
 const topSourcePct = computed(() => {
@@ -244,16 +271,41 @@ function getRowActions(row: any) {
 }
 
 function updateStream(id: string, field: string, value: any) {
-  const stream = streams.value.find((s) => s.id === id);
-  if (stream) {
-    stream[field] = Number(value) || value;
-    streamsStore.upsertStream(stream);
+  // Update the primary CoopBuilder store (source of truth)
+  const coopStream = coopStore.streams.find((s) => s.id === id);
+  if (coopStream) {
+    if (field === 'targetMonthlyAmount') {
+      coopStream.monthly = Number(value) || 0;
+    } else {
+      coopStream[field] = Number(value) || value;
+    }
+    coopStore.upsertStream(coopStream);
+  }
+  
+  // Also update the legacy store for backward compatibility
+  const legacyStream = streams.value.find((s) => s.id === id);
+  if (legacyStream) {
+    legacyStream[field] = Number(value) || value;
+    streamsStore.upsertStream(legacyStream);
   }
 }
 
 function addStream() {
-  const newStream = {
-    id: Date.now().toString(),
+  const newStreamId = Date.now().toString();
+  
+  // Add to CoopBuilder store first (primary source)
+  const coopStream = {
+    id: newStreamId,
+    label: "",
+    monthly: 0,
+    category: "games",
+    certainty: "Aspirational",
+  };
+  coopStore.upsertStream(coopStream);
+  
+  // Add to legacy store for compatibility
+  const legacyStream = {
+    id: newStreamId,
     name: "",
     category: "games",
     subcategory: "",
@@ -268,7 +320,7 @@ function addStream() {
     seasonalityWeights: new Array(12).fill(1),
     effortHoursPerMonth: 0,
   };
-  streamsStore.upsertStream(newStream);
+  streamsStore.upsertStream(legacyStream);
 }
 
 function editStream(row: any) {
@@ -282,6 +334,8 @@ function duplicateStream(row: any) {
 }
 
 function removeStream(row: any) {
+  // Remove from both stores to maintain sync
+  coopStore.removeStream(row.id);
   streamsStore.removeStream(row.id);
 }
 
diff --git a/pages/scenarios.vue b/pages/scenarios.vue
deleted file mode 100644
index 8ff5c01..0000000
--- a/pages/scenarios.vue
+++ /dev/null
@@ -1,575 +0,0 @@
-<template>
-  <section class="py-8 space-y-6">
-    <div class="flex items-center justify-between">
-      <h2 class="text-2xl font-semibold">Scenarios & Runway</h2>
-      <UButton
-        variant="outline"
-        color="red"
-        size="sm"
-        @click="restartWizard"
-        :disabled="isResetting">
-        <UIcon name="i-heroicons-arrow-path" class="mr-1" />
-        Restart Setup (Testing)
-      </UButton>
-    </div>
-
-    <!-- 6-Month Preset Card -->
-    <UCard class="bg-blue-50 border-blue-200">
-      <template #header>
-        <div class="flex items-center justify-between">
-          <h3 class="text-lg font-medium text-blue-900">
-            6-Month Plan Analysis
-          </h3>
-          <UBadge color="info" variant="solid">Recommended</UBadge>
-        </div>
-      </template>
-      <div class="grid grid-cols-1 md:grid-cols-3 gap-6">
-        <div class="text-center">
-          <div class="text-3xl font-bold text-blue-600 mb-2">
-            {{ sixMonthScenario.runway }} months
-          </div>
-          <div class="text-sm text-neutral-600 mb-3">Extended runway</div>
-          <UProgress value="91" color="info" />
-        </div>
-        <div>
-          <h4 class="font-medium mb-3">Key Changes</h4>
-          <ul class="text-sm text-neutral-600 space-y-1">
-            <li>• Diversify revenue mix</li>
-            <li>• Build 6-month savings buffer</li>
-            <li>• Gradual capacity scaling</li>
-            <li>• Risk mitigation focus</li>
-          </ul>
-        </div>
-        <div>
-          <h4 class="font-medium mb-3">Feasibility Gates</h4>
-          <div class="space-y-2">
-            <div class="flex items-center gap-2">
-              <UIcon name="i-heroicons-check-circle" class="text-green-500" />
-              <span class="text-sm">Savings target achievable</span>
-            </div>
-            <div class="flex items-center gap-2">
-              <UIcon name="i-heroicons-check-circle" class="text-green-500" />
-              <span class="text-sm">Cash floor maintained</span>
-            </div>
-            <div class="flex items-center gap-2">
-              <UIcon
-                name="i-heroicons-exclamation-triangle"
-                class="text-yellow-500" />
-              <span class="text-sm">Requires 2 new streams</span>
-            </div>
-          </div>
-        </div>
-      </div>
-    </UCard>
-
-    <!-- Scenario Comparison -->
-    <div class="grid grid-cols-1 lg:grid-cols-4 gap-6">
-      <UCard class="border-green-200 bg-green-50">
-        <div class="text-center space-y-3">
-          <div class="flex items-center justify-between">
-            <h4 class="font-medium text-sm">Operate Current</h4>
-            <UBadge color="success" variant="solid" size="xs">Active</UBadge>
-          </div>
-          <div class="text-2xl font-bold text-orange-600">
-            {{ currentScenario.runway }} months
-          </div>
-          <div class="text-xs text-neutral-600">Baseline scenario</div>
-          <UButton size="xs" variant="ghost" @click="setScenario('current')">
-            <UIcon name="i-heroicons-play" class="mr-1" />
-            Continue
-          </UButton>
-        </div>
-      </UCard>
-
-      <UCard>
-        <div class="text-center space-y-3">
-          <div class="flex items-center justify-between">
-            <h4 class="font-medium text-sm">Quit Day Jobs</h4>
-            <UBadge color="error" variant="subtle" size="xs">High Risk</UBadge>
-          </div>
-          <div class="text-2xl font-bold text-red-600">
-            {{ quitDayJobsScenario.runway }} months
-          </div>
-          <div class="text-xs text-neutral-600">Full-time co-op work</div>
-          <UButton
-            size="xs"
-            variant="ghost"
-            @click="setScenario('quitDayJobs')">
-            <UIcon name="i-heroicons-briefcase" class="mr-1" />
-            Analyze
-          </UButton>
-        </div>
-      </UCard>
-
-      <UCard>
-        <div class="text-center space-y-3">
-          <div class="flex items-center justify-between">
-            <h4 class="font-medium text-sm">Start Production</h4>
-            <UBadge color="warning" variant="subtle" size="xs"
-              >Medium Risk</UBadge
-            >
-          </div>
-          <div class="text-2xl font-bold text-yellow-600">
-            {{ startProductionScenario.runway }} months
-          </div>
-          <div class="text-xs text-neutral-600">Launch development</div>
-          <UButton
-            size="xs"
-            variant="ghost"
-            @click="setScenario('startProduction')">
-            <UIcon name="i-heroicons-rocket-launch" class="mr-1" />
-            Analyze
-          </UButton>
-        </div>
-      </UCard>
-
-      <UCard class="border-blue-200">
-        <div class="text-center space-y-3">
-          <div class="flex items-center justify-between">
-            <h4 class="font-medium text-sm">6-Month Plan</h4>
-            <UBadge color="info" variant="solid" size="xs">Planned</UBadge>
-          </div>
-          <div class="text-2xl font-bold text-blue-600">
-            {{ sixMonthScenario.runway }} months
-          </div>
-          <div class="text-xs text-neutral-600">Extended planning</div>
-          <UButton size="xs" color="primary" @click="setScenario('sixMonth')">
-            <UIcon name="i-heroicons-calendar" class="mr-1" />
-            Plan
-          </UButton>
-        </div>
-      </UCard>
-    </div>
-
-    <!-- Feasibility Analysis -->
-    <UCard>
-      <template #header>
-        <h3 class="text-lg font-medium">Feasibility Analysis</h3>
-      </template>
-      <div class="grid grid-cols-1 md:grid-cols-2 gap-6">
-        <div>
-          <h4 class="font-medium mb-3">Gate Checks</h4>
-          <div class="space-y-3">
-            <div class="flex items-center justify-between">
-              <span class="text-sm">Savings Target Reached</span>
-              <div class="flex items-center gap-2">
-                <UIcon name="i-heroicons-x-circle" class="text-red-500" />
-                <span class="text-sm text-neutral-600">€5,200 short</span>
-              </div>
-            </div>
-            <div class="flex items-center justify-between">
-              <span class="text-sm">Cash Floor Maintained</span>
-              <div class="flex items-center gap-2">
-                <UIcon name="i-heroicons-check-circle" class="text-green-500" />
-                <span class="text-sm text-neutral-600">Week 4+</span>
-              </div>
-            </div>
-            <div class="flex items-center justify-between">
-              <span class="text-sm">Revenue Diversification</span>
-              <div class="flex items-center gap-2">
-                <UIcon
-                  name="i-heroicons-exclamation-triangle"
-                  class="text-yellow-500" />
-                <span class="text-sm text-neutral-600"
-                  >Top: {{ topSourcePct }}%</span
-                >
-              </div>
-            </div>
-          </div>
-        </div>
-
-        <div>
-          <h4 class="font-medium mb-3">Key Dates</h4>
-          <div class="space-y-3">
-            <div class="flex justify-between">
-              <span class="text-sm text-neutral-600">Savings gate clear:</span>
-              <span class="text-sm font-medium">{{
-                keyDates.savingsGate || "Not projected"
-              }}</span>
-            </div>
-            <div class="flex justify-between">
-              <span class="text-sm text-neutral-600">First cash breach:</span>
-              <span class="text-sm font-medium text-red-600">{{
-                keyDates.firstBreach || "None projected"
-              }}</span>
-            </div>
-            <div class="flex justify-between">
-              <span class="text-sm text-neutral-600">Deferred cap reset:</span>
-              <span class="text-sm font-medium">{{
-                keyDates.deferredReset || "Not scheduled"
-              }}</span>
-            </div>
-          </div>
-        </div>
-      </div>
-    </UCard>
-
-    <!-- What-If Sliders -->
-    <UCard>
-      <template #header>
-        <div class="flex items-center justify-between">
-          <h3 class="text-lg font-medium">What-If Analysis</h3>
-          <UButton size="sm" variant="ghost" @click="resetSliders">
-            Reset
-          </UButton>
-        </div>
-      </template>
-      <div class="grid grid-cols-1 md:grid-cols-2 gap-6">
-        <div class="space-y-4">
-          <div>
-            <label for="revenue-slider" class="block text-sm font-medium mb-2">
-              <GlossaryTooltip
-                term="Monthly Revenue"
-                term-id="revenue"
-                definition="Total money earned from all streams in one month." />:
-              {{ $format.currency(revenue) }}
-            </label>
-            <div class="flex items-center gap-3">
-              <URange
-                id="revenue-slider"
-                v-model="revenue"
-                :min="5000"
-                :max="20000"
-                :step="500"
-                :aria-label="`Monthly revenue: ${$format.currency(revenue)}`"
-                class="flex-1" />
-              <UInput
-                v-model="revenue"
-                type="number"
-                :min="5000"
-                :max="20000"
-                :step="500"
-                class="w-24"
-                size="xs"
-                aria-label="Monthly revenue input" />
-            </div>
-          </div>
-          <div>
-            <label for="hours-slider" class="block text-sm font-medium mb-2">
-              Paid Hours: {{ paidHours }}h/month
-            </label>
-            <div class="flex items-center gap-3">
-              <URange
-                id="hours-slider"
-                v-model="paidHours"
-                :min="100"
-                :max="600"
-                :step="20"
-                :aria-label="`Paid hours: ${paidHours} per month`"
-                class="flex-1" />
-              <UInput
-                v-model="paidHours"
-                type="number"
-                :min="100"
-                :max="600"
-                :step="20"
-                class="w-20"
-                size="xs"
-                aria-label="Paid hours input" />
-            </div>
-          </div>
-          <div>
-            <label for="winrate-slider" class="block text-sm font-medium mb-2">
-              Win Rate: {{ winRate }}%
-            </label>
-            <div class="flex items-center gap-3">
-              <URange
-                id="winrate-slider"
-                v-model="winRate"
-                :min="40"
-                :max="95"
-                :step="5"
-                :aria-label="`Win rate: ${winRate} percent`"
-                class="flex-1" />
-              <UInput
-                v-model="winRate"
-                type="number"
-                :min="40"
-                :max="95"
-                :step="5"
-                class="w-16"
-                size="xs"
-                aria-label="Win rate input" />
-            </div>
-          </div>
-        </div>
-
-        <div class="space-y-4">
-          <div class="bg-neutral-50 rounded-lg p-4">
-            <h4 class="font-medium text-sm mb-3">Impact on Runway</h4>
-            <div class="text-center">
-              <div
-                class="text-2xl font-bold"
-                :class="getRunwayColor(calculatedRunway)">
-                {{ calculatedRunway }} months
-              </div>
-              <UProgress
-                :value="Math.min(calculatedRunway * 10, 100)"
-                :max="100"
-                :color="getProgressColor(calculatedRunway)"
-                class="mt-2" />
-            </div>
-          </div>
-
-          <div class="space-y-2">
-            <div class="flex justify-between text-sm">
-              <span class="text-neutral-600">Monthly burn:</span>
-              <span class="font-medium"
-                >€{{ monthlyBurn.toLocaleString() }}</span
-              >
-            </div>
-            <div class="flex justify-between text-sm">
-              <span class="text-neutral-600">Coverage ratio:</span>
-              <span class="font-medium"
-                >{{ Math.round((paidHours / 400) * 100) }}%</span
-              >
-            </div>
-          </div>
-        </div>
-      </div>
-    </UCard>
-  </section>
-</template>
-
-<script setup lang="ts">
-const { $format } = useNuxtApp();
-const route = useRoute();
-const router = useRouter();
-const scenariosStore = useScenariosStore();
-
-// Restart wizard functionality
-const membersStore = useMembersStore();
-const policiesStore = usePoliciesStore();
-const streamsStore = useStreamsStore();
-const budgetStore = useBudgetStore();
-const cashStore = useCashStore();
-const sessionStore = useSessionStore();
-const coopBuilderStore = useCoopBuilderStore();
-
-const isResetting = ref(false);
-
-// Get initial values from stores
-const initialRevenue = computed(() => streamsStore.totalMonthlyAmount || 0);
-const initialHours = computed(
-  () => membersStore.capacityTotals.targetHours || 0
-);
-
-const revenue = ref(initialRevenue.value || 0);
-const paidHours = ref(initialHours.value || 0);
-const winRate = ref(0);
-
-// Watch for store changes and update sliders
-watch(initialRevenue, (newVal) => {
-  if (newVal > 0) revenue.value = newVal;
-});
-watch(initialHours, (newVal) => {
-  if (newVal > 0) paidHours.value = newVal;
-});
-
-// Calculate dynamic metrics from real store data
-const monthlyBurn = computed(() => {
-  const hourlyWage = policiesStore.equalHourlyWage || 0;
-  const oncostPct = policiesStore.payrollOncostPct || 0;
-  const payroll = paidHours.value * hourlyWage * (1 + oncostPct / 100);
-  const overhead =
-    budgetStore.overheadCosts.reduce(
-      (sum, cost) => sum + (cost.amount || 0),
-      0
-    ) || 0;
-  const production =
-    budgetStore.productionCosts.reduce(
-      (sum, cost) => sum + (cost.amount || 0),
-      0
-    ) || 0;
-  return payroll + overhead + production;
-});
-
-const calculatedRunway = computed(() => {
-  const totalCash = cashStore.currentCash + cashStore.currentSavings;
-  const adjustedRevenue = revenue.value * (winRate.value / 100);
-  const netPerMonth = adjustedRevenue - monthlyBurn.value;
-
-  if (netPerMonth >= 0)
-    return monthlyBurn.value > 0
-      ? Math.round((totalCash / monthlyBurn.value) * 100) / 100
-      : 0;
-  return Math.max(
-    0,
-    Math.round((totalCash / Math.abs(netPerMonth)) * 100) / 100
-  );
-});
-
-// Scenario calculations based on real data
-const totalCash = computed(
-  () => cashStore.currentCash + cashStore.currentSavings
-);
-
-const baseRunway = computed(() => {
-  const baseBurn = monthlyBurn.value;
-  return baseBurn > 0
-    ? Math.round((totalCash.value / baseBurn) * 100) / 100
-    : 0;
-});
-
-const currentScenario = computed(() => ({
-  runway: baseRunway.value || 0,
-}));
-
-const quitDayJobsScenario = computed(() => ({
-  runway:
-    monthlyBurn.value > 0
-      ? Math.max(
-          0,
-          Math.round((totalCash.value / (monthlyBurn.value * 1.8)) * 100) / 100
-        )
-      : 0, // Higher burn rate
-}));
-
-const startProductionScenario = computed(() => ({
-  runway:
-    monthlyBurn.value > 0
-      ? Math.max(
-          0,
-          Math.round((totalCash.value / (monthlyBurn.value * 1.4)) * 100) / 100
-        )
-      : 0, // Medium higher burn
-}));
-
-const sixMonthScenario = computed(() => ({
-  runway:
-    monthlyBurn.value > 0
-      ? Math.max(
-          0,
-          Math.round((totalCash.value / (monthlyBurn.value * 0.6)) * 100) / 100
-        )
-      : 0, // Lower burn with optimization
-}));
-
-// Calculate concentration from real data
-const topSourcePct = computed(() => {
-  if (streamsStore.streams.length === 0) return 0;
-  const amounts = streamsStore.streams.map((s) => s.targetMonthlyAmount || 0);
-  const total = amounts.reduce((sum, amt) => sum + amt, 0);
-  return total > 0 ? Math.round((Math.max(...amounts) / total) * 100) : 0;
-});
-
-// Calculate key dates from real data
-const keyDates = computed(() => {
-  const currentDate = new Date();
-
-  // Calculate savings gate clear date based on current savings and target
-  const savingsNeeded =
-    (policiesStore.savingsTargetMonths || 0) * monthlyBurn.value;
-  const currentSavings = cashStore.currentSavings;
-  const monthlyNet = revenue.value - monthlyBurn.value;
-
-  let savingsGate = null;
-  if (savingsNeeded > 0 && currentSavings < savingsNeeded && monthlyNet > 0) {
-    const monthsToTarget = Math.ceil(
-      (savingsNeeded - currentSavings) / monthlyNet
-    );
-    const targetDate = new Date(currentDate);
-    targetDate.setMonth(targetDate.getMonth() + monthsToTarget);
-    savingsGate = targetDate.toLocaleDateString("en-US", {
-      month: "long",
-      year: "numeric",
-    });
-  }
-
-  // First cash breach from cash store projections
-  const firstBreachWeek = cashStore.firstBreachWeek;
-  let firstBreach = null;
-  if (firstBreachWeek) {
-    const breachDate = new Date(currentDate);
-    breachDate.setDate(breachDate.getDate() + firstBreachWeek * 7);
-    firstBreach = `Week ${firstBreachWeek} (${breachDate.toLocaleDateString(
-      "en-US",
-      { month: "short", day: "numeric" }
-    )})`;
-  }
-
-  // Deferred cap reset - quarterly (every 3 months)
-  let deferredReset = null;
-  if (policiesStore.deferredCapHoursPerQtr > 0) {
-    const nextQuarter = new Date(currentDate);
-    const currentMonth = nextQuarter.getMonth();
-    const quarterStartMonth = Math.floor(currentMonth / 3) * 3;
-    nextQuarter.setMonth(quarterStartMonth + 3, 1);
-    deferredReset = nextQuarter.toLocaleDateString("en-US", {
-      month: "long",
-      day: "numeric",
-      year: "numeric",
-    });
-  }
-
-  return {
-    savingsGate,
-    firstBreach,
-    deferredReset,
-  };
-});
-
-function getRunwayColor(months: number) {
-  if (months >= 6) return "text-green-600";
-  if (months >= 3) return "text-blue-600";
-  if (months >= 2) return "text-yellow-600";
-  return "text-red-600";
-}
-
-function getProgressColor(months: number) {
-  if (months >= 6) return "success";
-  if (months >= 3) return "info";
-  if (months >= 2) return "warning";
-  return "error";
-}
-
-function setScenario(scenario: string) {
-  scenariosStore.setActiveScenario(scenario);
-  router.replace({ query: { ...route.query, scenario } });
-}
-
-function resetSliders() {
-  revenue.value = initialRevenue.value || 0;
-  paidHours.value = initialHours.value || 0;
-  winRate.value = 0;
-}
-
-async function restartWizard() {
-  isResetting.value = true;
-
-  // Clear all localStorage persistence
-  if (typeof localStorage !== "undefined") {
-    localStorage.removeItem("urgent-tools-members");
-    localStorage.removeItem("urgent-tools-policies");
-    localStorage.removeItem("urgent-tools-streams");
-    localStorage.removeItem("urgent-tools-budget");
-    localStorage.removeItem("urgent-tools-cash");
-    localStorage.removeItem("urgent-tools-session");
-    localStorage.removeItem("urgent-tools-scenarios");
-  }
-
-  // Reset all stores
-  membersStore.resetMembers();
-  policiesStore.resetPolicies();
-  streamsStore.resetStreams();
-  budgetStore.resetBudgetOverhead();
-  sessionStore.resetSession();
-
-  // Reset wizard state
-  coopBuilderStore.reset();
-
-  // Small delay for UX
-  await new Promise((resolve) => setTimeout(resolve, 300));
-  isResetting.value = false;
-
-  // Navigate to coop planner
-  await navigateTo("/coop-planner");
-}
-
-onMounted(() => {
-  const q = route.query.scenario;
-  if (typeof q === "string") {
-    scenariosStore.setActiveScenario(q);
-  }
-});
-</script>
diff --git a/pages/session.vue b/pages/session.vue
deleted file mode 100644
index 77d041a..0000000
--- a/pages/session.vue
+++ /dev/null
@@ -1,173 +0,0 @@
-<template>
-  <section class="py-8 space-y-6">
-    <div class="flex items-center justify-between">
-      <h2 class="text-2xl font-semibold">Value Accounting Session</h2>
-      <UBadge color="primary" variant="subtle">January 2024</UBadge>
-    </div>
-
-    <div class="grid grid-cols-1 lg:grid-cols-3 gap-6">
-      <UCard>
-        <template #header>
-          <h3 class="text-lg font-medium">Checklist</h3>
-        </template>
-        <div class="space-y-3">
-          <div class="flex items-center gap-3">
-            <UCheckbox v-model="checklist.monthClosed" />
-            <span class="text-sm">Month closed & reviewed</span>
-          </div>
-          <div class="flex items-center gap-3">
-            <UCheckbox v-model="checklist.contributionsLogged" />
-            <span class="text-sm">Contributions logged</span>
-          </div>
-          <div class="flex items-center gap-3">
-            <UCheckbox v-model="checklist.surplusCalculated" />
-            <span class="text-sm">Surplus calculated</span>
-          </div>
-          <div class="flex items-center gap-3">
-            <UCheckbox v-model="checklist.needsReviewed" />
-            <span class="text-sm">Member needs reviewed</span>
-          </div>
-        </div>
-      </UCard>
-
-      <UCard>
-        <template #header>
-          <h3 class="text-lg font-medium">Available</h3>
-        </template>
-        <div class="space-y-3">
-          <div class="flex justify-between text-sm">
-            <span class="text-neutral-600">Surplus</span>
-            <span class="font-medium text-green-600"
-              >€{{ availableAmounts.surplus.toLocaleString() }}</span
-            >
-          </div>
-          <div class="flex justify-between text-sm">
-            <span class="text-neutral-600">Deferred owed</span>
-            <span class="font-medium text-orange-600"
-              >€{{ availableAmounts.deferredOwed.toLocaleString() }}</span
-            >
-          </div>
-          <div class="flex justify-between text-sm">
-            <span class="text-neutral-600">Savings gap</span>
-            <span class="font-medium text-blue-600"
-              >€{{ availableAmounts.savingsNeeded.toLocaleString() }}</span
-            >
-          </div>
-        </div>
-      </UCard>
-
-      <UCard>
-        <template #header>
-          <h3 class="text-lg font-medium">Distribution</h3>
-        </template>
-        <div class="space-y-4">
-          <div>
-            <label class="block text-xs font-medium mb-1">Deferred Repay</label>
-            <UInput
-              v-model.number="draftAllocations.deferredRepay"
-              type="number"
-              size="sm" />
-          </div>
-          <div>
-            <label class="block text-xs font-medium mb-1">Savings</label>
-            <UInput
-              v-model.number="draftAllocations.savings"
-              type="number"
-              size="sm" />
-          </div>
-          <div>
-            <label class="block text-xs font-medium mb-1">Training</label>
-            <UInput
-              v-model.number="draftAllocations.training"
-              type="number"
-              size="sm" />
-          </div>
-          <div>
-            <label class="block text-xs font-medium mb-1">Retained</label>
-            <UInput
-              v-model.number="draftAllocations.retained"
-              type="number"
-              size="sm"
-              readonly />
-          </div>
-        </div>
-      </UCard>
-    </div>
-
-    <UCard>
-      <template #header>
-        <h3 class="text-lg font-medium">Decision Record</h3>
-      </template>
-      <div class="space-y-4">
-        <UTextarea
-          v-model="rationale"
-          placeholder="Brief rationale for this month's distribution decisions..."
-          rows="3" />
-        <div class="flex justify-end gap-3">
-          <UButton variant="ghost"> Save Draft </UButton>
-          <UButton color="primary" :disabled="!allChecklistComplete">
-            Complete Session
-          </UButton>
-        </div>
-      </div>
-    </UCard>
-  </section>
-</template>
-
-<script setup lang="ts">
-// Use stores
-const sessionStore = useSessionStore();
-const membersStore = useMembersStore();
-const policiesStore = usePoliciesStore();
-const budgetStore = useBudgetStore();
-const streamsStore = useStreamsStore();
-
-// Use store refs
-const { checklist, draftAllocations, rationale, availableAmounts } =
-  storeToRefs(sessionStore);
-
-const allChecklistComplete = computed(() => {
-  return Object.values(checklist.value).every(Boolean);
-});
-
-// Calculate available amounts from real data
-const calculatedAvailableAmounts = computed(() => {
-  // Calculate surplus from budget metrics
-  const totalRevenue = streamsStore.totalMonthlyAmount || 0;
-  const totalHours = membersStore.capacityTotals.targetHours || 0;
-  const hourlyWage = policiesStore.equalHourlyWage || 0;
-  const oncostPct = policiesStore.payrollOncostPct || 0;
-
-  const totalPayroll = totalHours * hourlyWage * (1 + oncostPct / 100);
-  const totalOverhead = budgetStore.overheadCosts.reduce(
-    (sum, cost) => sum + (cost.amount || 0),
-    0
-  );
-  const surplus = Math.max(0, totalRevenue - totalPayroll - totalOverhead);
-
-  // Calculate deferred owed
-  const deferredOwed = membersStore.members.reduce((sum, member) => {
-    return sum + (member.deferredHours || 0) * hourlyWage;
-  }, 0);
-
-  // Calculate savings gap
-  const savingsTarget =
-    (policiesStore.savingsTargetMonths || 0) * (totalPayroll + totalOverhead);
-  const savingsNeeded = Math.max(0, savingsTarget);
-
-  return {
-    surplus,
-    deferredOwed,
-    savingsNeeded,
-  };
-});
-
-// Update store available amounts when calculated values change
-watch(
-  calculatedAvailableAmounts,
-  (newAmounts) => {
-    sessionStore.updateAvailableAmounts(newAmounts);
-  },
-  { immediate: true }
-);
-</script>
diff --git a/pages/settings.vue b/pages/settings.vue
index 273c005..88fa907 100644
--- a/pages/settings.vue
+++ b/pages/settings.vue
@@ -121,6 +121,53 @@
       </UCard>
     </div>
 
+    <!-- Member Management Section -->
+    <UCard id="members">
+      <template #header>
+        <div class="flex items-center justify-between">
+          <h3 class="text-lg font-medium">Team Members</h3>
+          <div class="flex items-center gap-2">
+            <UBadge v-if="isSetupComplete" color="green" variant="subtle" size="xs">
+              Synchronized with Setup
+            </UBadge>
+            <UButton variant="ghost" size="xs" @click="goToSetup">
+              Edit in Setup
+            </UButton>
+          </div>
+        </div>
+      </template>
+      
+      <div class="space-y-4">
+        <div v-if="members.length === 0" class="text-center py-8 text-neutral-500">
+          <p class="mb-4">No team members found.</p>
+          <UButton @click="goToSetup" variant="outline">
+            Add Members in Setup
+          </UButton>
+        </div>
+        
+        <div v-else class="space-y-3">
+          <div 
+            v-for="member in members" 
+            :key="member.id"
+            class="p-4 border border-neutral-200 rounded-lg bg-neutral-50">
+            <div class="flex items-center justify-between">
+              <div>
+                <h4 class="font-medium">{{ member.displayName || member.name }}</h4>
+                <div class="text-sm text-neutral-600 space-y-1">
+                  <div v-if="member.role">Role: {{ member.role }}</div>
+                  <div>Monthly Target: {{ $format.currency(member.monthlyPayPlanned || 0) }}</div>
+                  <div v-if="member.minMonthlyNeeds">Min Needs: {{ $format.currency(member.minMonthlyNeeds) }}</div>
+                </div>
+              </div>
+              <div class="text-right text-sm text-neutral-600">
+                <div>{{ Math.round((member.hoursPerMonth || member.hoursPerWeek * 4.33)) }} hrs/month</div>
+              </div>
+            </div>
+          </div>
+        </div>
+      </div>
+    </UCard>
+
     <div class="flex justify-end">
       <UButton color="primary"> Save Policies </UButton>
     </div>
@@ -128,13 +175,37 @@
 </template>
 
 <script setup lang="ts">
-const policies = ref({
-  hourlyWage: 20,
-  payrollOncost: 25,
-  savingsTargetMonths: 3,
-  minCashCushion: 3000,
-  deferredCapHours: 240,
-  deferredSunsetMonths: 12,
+// Store sync and setup state
+const { initSync, getMembers, unifiedMembers } = useStoreSync();
+const { isSetupComplete, goToSetup } = useSetupState();
+const coopStore = useCoopBuilderStore();
+const { $format } = useNuxtApp();
+
+// Initialize synchronization on mount
+onMounted(async () => {
+  await initSync();
+});
+
+// Get reactive synchronized member data
+const members = unifiedMembers;
+
+// Get synchronized policy data from setup
+const policies = computed({
+  get: () => ({
+    hourlyWage: coopStore.equalHourlyWage,
+    payrollOncost: coopStore.payrollOncostPct,
+    savingsTargetMonths: coopStore.savingsTargetMonths,
+    minCashCushion: coopStore.minCashCushion,
+    deferredCapHours: 240, // These fields might not be in coop store yet
+    deferredSunsetMonths: 12,
+  }),
+  set: (newPolicies) => {
+    // Update the CoopBuilder store when policies change
+    coopStore.setEqualWage(newPolicies.hourlyWage);
+    coopStore.setOncostPct(newPolicies.payrollOncost);
+    coopStore.savingsTargetMonths = newPolicies.savingsTargetMonths;
+    coopStore.minCashCushion = newPolicies.minCashCushion;
+  }
 });
 
 const distributionOrder = ref([
diff --git a/stores/budget.ts b/stores/budget.ts
index e0e68e1..c2b3aa1 100644
--- a/stores/budget.ts
+++ b/stores/budget.ts
@@ -319,15 +319,22 @@ export const useBudgetStore = defineStore(
       if (!isInitialized.value) return;
       
       const coopStore = useCoopBuilderStore();
-      const payrollIndex = budgetWorksheet.value.expenses.findIndex(item => item.id === "expense-payroll");
+      const basePayrollIndex = budgetWorksheet.value.expenses.findIndex(item => item.id === "expense-payroll-base");
+      const oncostIndex = budgetWorksheet.value.expenses.findIndex(item => item.id === "expense-payroll-oncosts");
       
-      if (payrollIndex === -1) return; // No existing payroll entry
+      // If no split payroll entries exist, look for legacy single entry
+      const legacyIndex = budgetWorksheet.value.expenses.findIndex(item => item.id === "expense-payroll");
+      
+      if (basePayrollIndex === -1 && legacyIndex === -1) return; // No existing payroll entries
       
       const totalHours = coopStore.members.reduce((sum, m) => sum + (m.hoursPerMonth || 0), 0);
       const hourlyWage = coopStore.equalHourlyWage || 0;
       const oncostPct = coopStore.payrollOncostPct || 0;
       const basePayrollBudget = totalHours * hourlyWage;
       
+      // Declare today once for the entire function
+      const today = new Date();
+      
       if (basePayrollBudget > 0 && coopStore.members.length > 0) {
         // Use policy-driven allocation
         const payPolicy = {
@@ -340,44 +347,92 @@ export const useBudgetStore = defineStore(
           displayName: m.name,
           monthlyPayPlanned: m.monthlyPayPlanned || 0,
           minMonthlyNeeds: m.minMonthlyNeeds || 0,
-          targetMonthlyPay: m.targetMonthlyPay || 0,
-          role: m.role || '',
           hoursPerMonth: m.hoursPerMonth || 0
         }));
         
         const allocatedMembers = allocatePayroll(membersForAllocation, payPolicy, basePayrollBudget);
         
-        // Sum with operating mode consideration
+        // Sum the allocated payroll amounts
         const totalAllocatedPayroll = allocatedMembers.reduce((sum, m) => {
-          const planned = m.monthlyPayPlanned || 0;
-          if (coopStore.operatingMode === 'min' && m.minMonthlyNeeds) {
-            return sum + Math.min(planned, m.minMonthlyNeeds);
-          }
-          return sum + planned;
+          return sum + (m.monthlyPayPlanned || 0);
         }, 0);
         
-        const monthlyPayroll = totalAllocatedPayroll * (1 + oncostPct / 100);
+        // Update monthly values for base payroll
         
-        // Update monthly values
-        const today = new Date();
-        for (let i = 0; i < 12; i++) {
-          const date = new Date(today.getFullYear(), today.getMonth() + i, 1);
-          const monthKey = `${date.getFullYear()}-${String(date.getMonth() + 1).padStart(2, "0")}`;
-          budgetWorksheet.value.expenses[payrollIndex].monthlyValues[monthKey] = monthlyPayroll;
+        if (basePayrollIndex !== -1) {
+          // Update base payroll entry
+          for (let i = 0; i < 12; i++) {
+            const date = new Date(today.getFullYear(), today.getMonth() + i, 1);
+            const monthKey = `${date.getFullYear()}-${String(date.getMonth() + 1).padStart(2, "0")}`;
+            budgetWorksheet.value.expenses[basePayrollIndex].monthlyValues[monthKey] = totalAllocatedPayroll;
+          }
+          
+          // Update annual values for base payroll
+          budgetWorksheet.value.expenses[basePayrollIndex].values = {
+            year1: { best: totalAllocatedPayroll * 12, worst: totalAllocatedPayroll * 8, mostLikely: totalAllocatedPayroll * 12 },
+            year2: { best: totalAllocatedPayroll * 14, worst: totalAllocatedPayroll * 10, mostLikely: totalAllocatedPayroll * 13 },
+            year3: { best: totalAllocatedPayroll * 16, worst: totalAllocatedPayroll * 12, mostLikely: totalAllocatedPayroll * 15 }
+          };
         }
         
-        // Update annual values
-        budgetWorksheet.value.expenses[payrollIndex].values = {
-          year1: { best: monthlyPayroll * 12, worst: monthlyPayroll * 8, mostLikely: monthlyPayroll * 12 },
-          year2: { best: monthlyPayroll * 14, worst: monthlyPayroll * 10, mostLikely: monthlyPayroll * 13 },
-          year3: { best: monthlyPayroll * 16, worst: monthlyPayroll * 12, mostLikely: monthlyPayroll * 15 }
-        };
+        if (oncostIndex !== -1) {
+          // Update oncost entry
+          const oncostAmount = totalAllocatedPayroll * (oncostPct / 100);
+          
+          for (let i = 0; i < 12; i++) {
+            const date = new Date(today.getFullYear(), today.getMonth() + i, 1);
+            const monthKey = `${date.getFullYear()}-${String(date.getMonth() + 1).padStart(2, "0")}`;
+            budgetWorksheet.value.expenses[oncostIndex].monthlyValues[monthKey] = oncostAmount;
+          }
+          
+          // Update name with current percentage
+          budgetWorksheet.value.expenses[oncostIndex].name = `Payroll Taxes & Benefits (${oncostPct}%)`;
+          
+          // Update annual values for oncosts
+          budgetWorksheet.value.expenses[oncostIndex].values = {
+            year1: { best: oncostAmount * 12, worst: oncostAmount * 8, mostLikely: oncostAmount * 12 },
+            year2: { best: oncostAmount * 14, worst: oncostAmount * 10, mostLikely: oncostAmount * 13 },
+            year3: { best: oncostAmount * 16, worst: oncostAmount * 12, mostLikely: oncostAmount * 15 }
+          };
+        }
+        
+        // Handle legacy single payroll entry (update to combined amount for backwards compatibility)
+        if (legacyIndex !== -1 && basePayrollIndex === -1) {
+          const monthlyPayroll = totalAllocatedPayroll * (1 + oncostPct / 100);
+          
+          for (let i = 0; i < 12; i++) {
+            const date = new Date(today.getFullYear(), today.getMonth() + i, 1);
+            const monthKey = `${date.getFullYear()}-${String(date.getMonth() + 1).padStart(2, "0")}`;
+            budgetWorksheet.value.expenses[legacyIndex].monthlyValues[monthKey] = monthlyPayroll;
+          }
+          
+          budgetWorksheet.value.expenses[legacyIndex].values = {
+            year1: { best: monthlyPayroll * 12, worst: monthlyPayroll * 8, mostLikely: monthlyPayroll * 12 },
+            year2: { best: monthlyPayroll * 14, worst: monthlyPayroll * 10, mostLikely: monthlyPayroll * 13 },
+            year3: { best: monthlyPayroll * 16, worst: monthlyPayroll * 12, mostLikely: monthlyPayroll * 15 }
+          };
+        }
       }
     }
 
+    // Force reinitialize - always reload from wizard data
+    async function forceInitializeFromWizardData() {
+      console.log("=== FORCE BUDGET INITIALIZATION ===");
+      isInitialized.value = false;
+      budgetWorksheet.value.revenue = [];
+      budgetWorksheet.value.expenses = [];
+      await initializeFromWizardData();
+    }
+
     // Initialize worksheet from wizard data
     async function initializeFromWizardData() {
-      if (isInitialized.value && budgetWorksheet.value.revenue.length > 0) {
+      console.log("=== BUDGET INITIALIZATION DEBUG ===");
+      console.log("Is already initialized:", isInitialized.value);
+      console.log("Current revenue items:", budgetWorksheet.value.revenue.length);
+      console.log("Current expense items:", budgetWorksheet.value.expenses.length);
+      
+      // Check if we have actual budget data (not just initialized flag)
+      if (isInitialized.value && (budgetWorksheet.value.revenue.length > 0 || budgetWorksheet.value.expenses.length > 0)) {
         console.log("Already initialized with data, skipping...");
         return;
       }
@@ -388,15 +443,19 @@ export const useBudgetStore = defineStore(
         // Use the new coopBuilder store instead of the old stores
         const coopStore = useCoopBuilderStore();
 
-        console.log("Streams:", coopStore.streams.length, "streams");
-        console.log("Members:", coopStore.members.length, "members");
-        console.log("Equal wage:", coopStore.equalHourlyWage || "No wage set");
-        console.log("Overhead costs:", coopStore.overheadCosts.length, "costs");
+        console.log("CoopStore Data:");
+        console.log("- Streams:", coopStore.streams.length, coopStore.streams);
+        console.log("- Members:", coopStore.members.length, coopStore.members);
+        console.log("- Equal wage:", coopStore.equalHourlyWage || "No wage set");
+        console.log("- Overhead costs:", coopStore.overheadCosts.length, coopStore.overheadCosts);
 
         // Clear existing data
         budgetWorksheet.value.revenue = [];
         budgetWorksheet.value.expenses = [];
 
+        // Declare today once for the entire function
+        const today = new Date();
+
         // Add revenue streams from wizard (but don't auto-load fixtures)
         // Note: We don't auto-load fixtures anymore, but wizard data should still work
 
@@ -423,7 +482,6 @@ export const useBudgetStore = defineStore(
 
           // Create monthly values - split the annual target evenly across 12 months
           const monthlyValues: Record<string, number> = {};
-          const today = new Date();
           for (let i = 0; i < 12; i++) {
             const date = new Date(today.getFullYear(), today.getMonth() + i, 1);
             const monthKey = `${date.getFullYear()}-${String(
@@ -470,8 +528,16 @@ export const useBudgetStore = defineStore(
         const hourlyWage = coopStore.equalHourlyWage || 0;
         const oncostPct = coopStore.payrollOncostPct || 0;
       
+        console.log("=== PAYROLL CALCULATION DEBUG ===");
+        console.log("Total hours:", totalHours);
+        console.log("Hourly wage:", hourlyWage);
+        console.log("Oncost %:", oncostPct);
+        console.log("Operating mode:", coopStore.operatingMode);
+        console.log("Policy relationship:", coopStore.policy.relationship);
+        
         // Calculate total payroll budget using policy allocation
         const basePayrollBudget = totalHours * hourlyWage;
+        console.log("Base payroll budget:", basePayrollBudget);
         
         if (basePayrollBudget > 0 && coopStore.members.length > 0) {
           // Use policy-driven allocation to get actual member pay amounts
@@ -487,30 +553,28 @@ export const useBudgetStore = defineStore(
             // Ensure all required fields exist
             monthlyPayPlanned: m.monthlyPayPlanned || 0,
             minMonthlyNeeds: m.minMonthlyNeeds || 0,
-            targetMonthlyPay: m.targetMonthlyPay || 0,
-            role: m.role || '',
             hoursPerMonth: m.hoursPerMonth || 0
           }));
           
           // Allocate payroll based on policy
           const allocatedMembers = allocatePayroll(membersForAllocation, payPolicy, basePayrollBudget);
+          console.log("Allocated members:", allocatedMembers.map(m => ({ name: m.name, planned: m.monthlyPayPlanned, needs: m.minMonthlyNeeds })));
           
-          // Sum the allocated amounts for total payroll, respecting operating mode
+          // Sum the allocated amounts for total payroll
           const totalAllocatedPayroll = allocatedMembers.reduce((sum, m) => {
             const planned = m.monthlyPayPlanned || 0;
-            // In "minimum" mode, cap at min needs to show a lean runway scenario
-            if (coopStore.operatingMode === 'min' && m.minMonthlyNeeds) {
-              return sum + Math.min(planned, m.minMonthlyNeeds);
-            }
+            console.log(`Member ${m.name}: planned ${planned}`);
             return sum + planned;
           }, 0);
           
+          console.log("Total allocated payroll:", totalAllocatedPayroll);
+          
           // Apply oncosts to the policy-allocated total
           const monthlyPayroll = totalAllocatedPayroll * (1 + oncostPct / 100);
+          console.log("Monthly payroll with oncosts:", monthlyPayroll);
 
           // Create monthly values for payroll
           const monthlyValues: Record<string, number> = {};
-          const today = new Date();
           for (let i = 0; i < 12; i++) {
             const date = new Date(today.getFullYear(), today.getMonth() + i, 1);
             const monthKey = `${date.getFullYear()}-${String(
@@ -519,31 +583,77 @@ export const useBudgetStore = defineStore(
             monthlyValues[monthKey] = monthlyPayroll;
           }
 
+          console.log("Creating split payroll budget items with monthly values:", Object.keys(monthlyValues).length, "months");
+          
+          // Create base payroll monthly values (without oncosts)
+          const baseMonthlyValues: Record<string, number> = {};
+          const oncostMonthlyValues: Record<string, number> = {};
+          // Reuse the today variable from above
+          for (let i = 0; i < 12; i++) {
+            const date = new Date(today.getFullYear(), today.getMonth() + i, 1);
+            const monthKey = `${date.getFullYear()}-${String(
+              date.getMonth() + 1
+            ).padStart(2, "0")}`;
+            baseMonthlyValues[monthKey] = totalAllocatedPayroll;
+            oncostMonthlyValues[monthKey] = totalAllocatedPayroll * (oncostPct / 100);
+          }
+
+          // Add base payroll item
           budgetWorksheet.value.expenses.push({
-            id: "expense-payroll",
+            id: "expense-payroll-base",
             name: "Payroll",
             mainCategory: "Salaries & Benefits",
             subcategory: "Base wages and benefits",
             source: "wizard",
-            monthlyValues,
+            monthlyValues: baseMonthlyValues,
             values: {
               year1: {
-                best: monthlyPayroll * 12,
-                worst: monthlyPayroll * 8,
-                mostLikely: monthlyPayroll * 12,
+                best: totalAllocatedPayroll * 12,
+                worst: totalAllocatedPayroll * 8,
+                mostLikely: totalAllocatedPayroll * 12,
               },
               year2: {
-                best: monthlyPayroll * 14,
-                worst: monthlyPayroll * 10,
-                mostLikely: monthlyPayroll * 13,
+                best: totalAllocatedPayroll * 14,
+                worst: totalAllocatedPayroll * 10,
+                mostLikely: totalAllocatedPayroll * 13,
               },
               year3: {
-                best: monthlyPayroll * 16,
-                worst: monthlyPayroll * 12,
-                mostLikely: monthlyPayroll * 15,
+                best: totalAllocatedPayroll * 16,
+                worst: totalAllocatedPayroll * 12,
+                mostLikely: totalAllocatedPayroll * 15,
               },
             },
           });
+
+          // Add payroll oncosts item (if oncost percentage > 0)
+          if (oncostPct > 0) {
+            const oncostAmount = totalAllocatedPayroll * (oncostPct / 100);
+            budgetWorksheet.value.expenses.push({
+              id: "expense-payroll-oncosts",
+              name: `Payroll Taxes & Benefits (${oncostPct}%)`,
+              mainCategory: "Salaries & Benefits", 
+              subcategory: "Payroll taxes and benefits",
+              source: "wizard",
+              monthlyValues: oncostMonthlyValues,
+              values: {
+                year1: {
+                  best: oncostAmount * 12,
+                  worst: oncostAmount * 8,
+                  mostLikely: oncostAmount * 12,
+                },
+                year2: {
+                  best: oncostAmount * 14,
+                  worst: oncostAmount * 10,
+                  mostLikely: oncostAmount * 13,
+                },
+                year3: {
+                  best: oncostAmount * 16,
+                  worst: oncostAmount * 12,
+                  mostLikely: oncostAmount * 15,
+                },
+              },
+            });
+          }
         }
 
         // Add overhead costs from wizard
@@ -563,7 +673,6 @@ export const useBudgetStore = defineStore(
 
             // Create monthly values for overhead costs
             const monthlyValues: Record<string, number> = {};
-            const today = new Date();
             for (let i = 0; i < 12; i++) {
               const date = new Date(today.getFullYear(), today.getMonth() + i, 1);
               const monthKey = `${date.getFullYear()}-${String(
@@ -696,7 +805,6 @@ export const useBudgetStore = defineStore(
         if (!item.monthlyValues) {
           console.log("Migrating item to monthly values:", item.name);
           item.monthlyValues = {};
-          const today = new Date();
           for (let i = 0; i < 12; i++) {
             const date = new Date(today.getFullYear(), today.getMonth() + i, 1);
             const monthKey = `${date.getFullYear()}-${String(
@@ -856,6 +964,7 @@ export const useBudgetStore = defineStore(
       groupedExpenses,
       isInitialized,
       initializeFromWizardData,
+      forceInitializeFromWizardData,
       refreshPayrollInBudget,
       updateBudgetValue,
       updateMonthlyValue,
diff --git a/stores/cash.ts b/stores/cash.ts
index a0d9c7f..388f873 100644
--- a/stores/cash.ts
+++ b/stores/cash.ts
@@ -1,7 +1,7 @@
 import { defineStore } from "pinia";
 
 export const useCashStore = defineStore("cash", () => {
-  // 13-week cash flow events
+  // 13-week calendar events
   const cashEvents = ref([]);
 
   // Payment queue - staged payments within policy
diff --git a/stores/coopBuilder.ts b/stores/coopBuilder.ts
index ab75a80..00bb36f 100644
--- a/stores/coopBuilder.ts
+++ b/stores/coopBuilder.ts
@@ -4,17 +4,17 @@ export const useCoopBuilderStore = defineStore("coop", {
   state: () => ({
     operatingMode: "min" as "min" | "target",
 
+    // Currency preference
+    currency: "EUR" as string,
+
     // Flag to track if data was intentionally cleared
     _wasCleared: false,
 
     members: [] as Array<{
       id: string;
       name: string;
-      role?: string;
       hoursPerMonth?: number;
       minMonthlyNeeds: number;
-      targetMonthlyPay: number;
-      externalMonthlyIncome: number;
       monthlyPayPlanned: number;
     }>,
 
@@ -22,6 +22,8 @@ export const useCoopBuilderStore = defineStore("coop", {
       id: string;
       label: string;
       monthly: number;
+      annual?: number;
+      amountType?: 'monthly' | 'annual';
       category?: string;
       certainty?: string;
     }>,
@@ -35,7 +37,6 @@ export const useCoopBuilderStore = defineStore("coop", {
     // Scenario and stress test state
     scenario: "current" as
       | "current"
-      | "quit-jobs"
       | "start-production"
       | "custom",
     stress: {
@@ -46,8 +47,7 @@ export const useCoopBuilderStore = defineStore("coop", {
 
     // Policy settings
     policy: {
-      relationship: "equal-pay" as "equal-pay" | "needs-weighted" | "hours-weighted" | "role-banded",
-      roleBands: {} as Record<string, number>,
+      relationship: "equal-pay" as "equal-pay" | "needs-weighted" | "hours-weighted",
     },
     equalHourlyWage: 50,
     payrollOncostPct: 25,
@@ -63,6 +63,8 @@ export const useCoopBuilderStore = defineStore("coop", {
       id?: string;
       name: string;
       amount: number;
+      annualAmount?: number;
+      amountType?: 'monthly' | 'annual';
       category?: string;
     }>,
   }),
@@ -110,10 +112,19 @@ export const useCoopBuilderStore = defineStore("coop", {
     // Stream actions
     upsertStream(s: any) {
       const i = this.streams.findIndex((x) => x.id === s.id);
+      
+      // Calculate monthly value based on amount type
+      let monthlyValue = s.monthly || s.targetMonthlyAmount || 0;
+      if (s.amountType === 'annual' && s.annual) {
+        monthlyValue = Math.round(s.annual / 12);
+      }
+      
       const withDefaults = {
         id: s.id || Date.now().toString(),
         label: s.label || s.name || "",
-        monthly: s.monthly || s.targetMonthlyAmount || 0,
+        monthly: monthlyValue,
+        annual: s.annual || s.targetAnnualAmount || monthlyValue * 12,
+        amountType: s.amountType || 'monthly',
         category: s.category ?? "",
         certainty: s.certainty ?? "Probable",
       };
@@ -148,7 +159,7 @@ export const useCoopBuilderStore = defineStore("coop", {
 
     // Scenario
     setScenario(
-      scenario: "current" | "quit-jobs" | "start-production" | "custom"
+      scenario: "current" | "start-production" | "custom"
     ) {
       this.scenario = scenario;
     },
@@ -159,14 +170,10 @@ export const useCoopBuilderStore = defineStore("coop", {
     },
 
     // Policy updates
-    setPolicy(relationship: "equal-pay" | "needs-weighted" | "hours-weighted" | "role-banded") {
+    setPolicy(relationship: "equal-pay" | "needs-weighted" | "hours-weighted") {
       this.policy.relationship = relationship;
     },
 
-    setRoleBands(bands: Record<string, number>) {
-      this.policy.roleBands = bands;
-    },
-
     setEqualWage(wage: number) {
       this.equalHourlyWage = wage;
     },
@@ -175,12 +182,24 @@ export const useCoopBuilderStore = defineStore("coop", {
       this.payrollOncostPct = pct;
     },
 
+    setCurrency(currency: string) {
+      this.currency = currency;
+    },
+
     // Overhead costs
     addOverheadCost(cost: any) {
+      // Calculate monthly value based on amount type
+      let monthlyValue = cost.amount || 0;
+      if (cost.amountType === 'annual' && cost.annualAmount) {
+        monthlyValue = Math.round(cost.annualAmount / 12);
+      }
+      
       const withDefaults = {
         id: cost.id || Date.now().toString(),
         name: cost.name || "",
-        amount: cost.amount || 0,
+        amount: monthlyValue,
+        annualAmount: cost.annualAmount || monthlyValue * 12,
+        amountType: cost.amountType || 'monthly',
         category: cost.category ?? "",
       };
       this.overheadCosts.push(withDefaults);
@@ -188,10 +207,19 @@ export const useCoopBuilderStore = defineStore("coop", {
 
     upsertOverheadCost(cost: any) {
       const i = this.overheadCosts.findIndex((c) => c.id === cost.id);
+      
+      // Calculate monthly value based on amount type
+      let monthlyValue = cost.amount || 0;
+      if (cost.amountType === 'annual' && cost.annualAmount) {
+        monthlyValue = Math.round(cost.annualAmount / 12);
+      }
+      
       const withDefaults = {
         id: cost.id || Date.now().toString(),
         name: cost.name || "",
-        amount: cost.amount || 0,
+        amount: monthlyValue,
+        annualAmount: cost.annualAmount || monthlyValue * 12,
+        amountType: cost.amountType || 'monthly',
         category: cost.category ?? "",
       };
       if (i === -1) {
@@ -218,6 +246,7 @@ export const useCoopBuilderStore = defineStore("coop", {
       // Reset ALL state to initial empty values
       this._wasCleared = true;
       this.operatingMode = "min";
+      this.currency = "EUR";
       this.members = [];
       this.streams = [];
       this.milestones = [];
@@ -229,7 +258,6 @@ export const useCoopBuilderStore = defineStore("coop", {
       };
       this.policy = {
         relationship: "equal-pay",
-        roleBands: {},
       };
       this.equalHourlyWage = 0;
       this.payrollOncostPct = 0;
diff --git a/stores/members.ts b/stores/members.ts
index df49835..a896339 100644
--- a/stores/members.ts
+++ b/stores/members.ts
@@ -43,8 +43,6 @@ export const useMembersStore = defineStore(
       const normalized = {
         id: raw.id || Date.now().toString(),
         displayName: typeof raw.displayName === "string" ? raw.displayName : "",
-        roleFocus: typeof raw.roleFocus === "string" ? raw.roleFocus : "",
-        role: raw.role || raw.roleFocus || "",
         hoursPerWeek: hoursPerWeek,
         payRelationship: raw.payRelationship || "FullyPaid",
         capacity: {
@@ -57,10 +55,8 @@ export const useMembersStore = defineStore(
         privacyNeeds: raw.privacyNeeds || "aggregate_ok",
         deferredHours: Number(raw.deferredHours ?? 0),
         quarterlyDeferredCap: Number(raw.quarterlyDeferredCap ?? 240),
-        // NEW fields for needs coverage
+        // Simplified - only minimum needs for allocation
         minMonthlyNeeds: Number(raw.minMonthlyNeeds) || 0,
-        targetMonthlyPay: Number(raw.targetMonthlyPay) || 0,
-        externalMonthlyIncome: Number(raw.externalMonthlyIncome) || 0,
         monthlyPayPlanned: Number(raw.monthlyPayPlanned) || 0,
         ...raw,
       };
@@ -203,13 +199,11 @@ export const useMembersStore = defineStore(
     // Coverage calculations for individual members
     function getMemberCoverage(memberId) {
       const member = members.value.find((m) => m.id === memberId);
-      if (!member) return { minPct: undefined, targetPct: undefined };
+      if (!member) return { coveragePct: undefined };
       
       return coverage(
         member.minMonthlyNeeds || 0,
-        member.targetMonthlyPay || 0,
-        member.monthlyPayPlanned || 0,
-        member.externalMonthlyIncome || 0
+        member.monthlyPayPlanned || 0
       );
     }
 
@@ -222,26 +216,19 @@ export const useMembersStore = defineStore(
       notes: '',
       equalBase: 0,
       needsWeight: 0.5,
-      roleBands: {},
       hoursRate: 0,
       customFormula: ''
     });
 
-    // Setters for new fields
-    function setMonthlyNeeds(memberId, minNeeds, targetPay) {
+    // Setter for minimum needs only
+    function setMonthlyNeeds(memberId, minNeeds) {
       const member = members.value.find((m) => m.id === memberId);
       if (member) {
         member.minMonthlyNeeds = Number(minNeeds) || 0;
-        member.targetMonthlyPay = Number(targetPay) || 0;
       }
     }
 
-    function setExternalIncome(memberId, income) {
-      const member = members.value.find((m) => m.id === memberId);
-      if (member) {
-        member.externalMonthlyIncome = Number(income) || 0;
-      }
-    }
+    // Removed setExternalIncome - no longer needed
 
     function setPlannedPay(memberId, planned) {
       const member = members.value.find((m) => m.id === memberId);
@@ -269,7 +256,6 @@ export const useMembersStore = defineStore(
       resetMembers,
       // New coverage actions
       setMonthlyNeeds,
-      setExternalIncome,
       setPlannedPay,
       getMemberCoverage,
       // Legacy actions
diff --git a/stores/scenarios.ts b/stores/scenarios.ts
deleted file mode 100644
index 56c5945..0000000
--- a/stores/scenarios.ts
+++ /dev/null
@@ -1,95 +0,0 @@
-import { defineStore } from "pinia";
-
-export const useScenariosStore = defineStore("scenarios", () => {
-  // Scenario presets
-  const presets = ref({
-    current: {
-      name: "Operate Current Plan",
-      description: "Continue with existing revenue and capacity",
-      settings: {},
-    },
-    quitDayJobs: {
-      name: "Quit Day Jobs",
-      description: "Members leave external work, increase co-op hours",
-      settings: {
-        targetHoursMultiplier: 1.5,
-        externalCoverageReduction: 0.8,
-      },
-    },
-    startProduction: {
-      name: "Start Production",
-      description: "Launch product development phase",
-      settings: {
-        productionCostsIncrease: 2000,
-        effortHoursIncrease: 100,
-      },
-    },
-    sixMonth: {
-      name: "6-Month Plan",
-      description: "Extended planning horizon",
-      settings: {
-        timeHorizonMonths: 6,
-      },
-    },
-  });
-
-  // What-if sliders state
-  const sliders = ref({
-    monthlyRevenue: 0,
-    paidHoursPerMonth: 0,
-    winRatePct: 0,
-    avgPayoutDelayDays: 0,
-    hourlyWageAdjust: 0,
-  });
-
-  // Selected scenario
-  const activeScenario = ref("current");
-
-  // Computed scenario results (will be calculated by composables)
-  const scenarioResults = computed(() => ({
-    runway: 0,
-    monthlyCosts: 0,
-    cashflowRisk: "low",
-    recommendations: [],
-  }));
-
-  // Actions
-  function setActiveScenario(scenarioKey) {
-    activeScenario.value = scenarioKey;
-  }
-
-  function updateSlider(key, value) {
-    if (key in sliders.value) {
-      sliders.value[key] = value;
-    }
-  }
-
-  function resetSliders() {
-    sliders.value = {
-      monthlyRevenue: 0,
-      paidHoursPerMonth: 0,
-      winRatePct: 0,
-      avgPayoutDelayDays: 0,
-      hourlyWageAdjust: 0,
-    };
-  }
-
-  function saveCustomScenario(name, settings) {
-    presets.value[name.toLowerCase().replace(/\s+/g, "")] = {
-      name,
-      description: "Custom scenario",
-      settings,
-    };
-  }
-
-  return {
-    presets: readonly(presets),
-    sliders,
-    activeScenario: readonly(activeScenario),
-    scenarioResults,
-    setActiveScenario,
-    updateSlider,
-    resetSliders,
-    saveCustomScenario,
-  };
-});
diff --git a/stores/session.ts b/stores/session.ts
deleted file mode 100644
index 29c3615..0000000
--- a/stores/session.ts
+++ /dev/null
@@ -1,159 +0,0 @@
-import { defineStore } from "pinia";
-
-export const useSessionStore = defineStore("session", () => {
-  // Value Accounting session checklist state
-  const checklist = ref({
-    monthClosed: false,
-    contributionsLogged: false,
-    surplusCalculated: false,
-    needsReviewed: false,
-  });
-
-  // Draft distribution allocations
-  const draftAllocations = ref({
-    deferredRepay: 0,
-    savings: 0,
-    hardship: 0,
-    training: 0,
-    patronage: 0,
-    retained: 0,
-  });
-
-  // Session rationale text
-  const rationale = ref("");
-
-  // Current session period - use current month/year
-  const currentDate = new Date();
-  const currentYear = currentDate.getFullYear();
-  const currentMonth = String(currentDate.getMonth() + 1).padStart(2, '0');
-  const currentSession = ref(`${currentYear}-${currentMonth}`);
-
-  // Saved distribution records
-  const savedRecords = ref([]);
-
-  // Available amounts for distribution
-  const availableAmounts = ref({
-    surplus: 0,
-    deferredOwed: 0,
-    savingsNeeded: 0,
-  });
-
-  // Computed total allocated
-  const totalAllocated = computed(() =>
-    Object.values(draftAllocations.value).reduce(
-      (sum, amount) => sum + amount,
-      0
-    )
-  );
-
-  // Computed checklist completion
-  const checklistComplete = computed(() =>
-    Object.values(checklist.value).every(Boolean)
-  );
-
-  // Actions
-  function updateChecklistItem(key, value) {
-    if (key in checklist.value) {
-      checklist.value[key] = value;
-    }
-  }
-
-  function updateAllocation(key, amount) {
-    if (key in draftAllocations.value) {
-      draftAllocations.value[key] = Number(amount) || 0;
-    }
-  }
-
-  function resetAllocations() {
-    Object.keys(draftAllocations.value).forEach((key) => {
-      draftAllocations.value[key] = 0;
-    });
-  }
-
-  function updateRationale(text) {
-    rationale.value = text;
-  }
-
-  function saveSession() {
-    const record = {
-      id: Date.now().toString(),
-      period: currentSession.value,
-      date: new Date().toISOString(),
-      allocations: { ...draftAllocations.value },
-      rationale: rationale.value,
-      checklist: { ...checklist.value },
-    };
-
-    savedRecords.value.push(record);
-
-    // Reset for next session
-    resetAllocations();
-    rationale.value = "";
-    Object.keys(checklist.value).forEach((key) => {
-      checklist.value[key] = false;
-    });
-
-    return record;
-  }
-
-  function loadSession(period) {
-    const record = savedRecords.value.find((r) => r.period === period);
-    if (record) {
-      currentSession.value = period;
-      Object.assign(draftAllocations.value, record.allocations);
-      rationale.value = record.rationale;
-      Object.assign(checklist.value, record.checklist);
-    }
-  }
-
-  function setCurrentSession(period) {
-    currentSession.value = period;
-  }
-
-  function updateAvailableAmounts(amounts) {
-    Object.assign(availableAmounts.value, amounts);
-  }
-
-  function resetSession() {
-    // Reset checklist
-    Object.keys(checklist.value).forEach((key) => {
-      checklist.value[key] = false;
-    });
-    
-    // Reset allocations
-    Object.keys(draftAllocations.value).forEach((key) => {
-      draftAllocations.value[key] = 0;
-    });
-    
-    // Reset other values
-    rationale.value = "";
-    savedRecords.value = [];
-    
-    // Reset available amounts
-    availableAmounts.value = {
-      surplus: 0,
-      deferredOwed: 0,
-      savingsNeeded: 0,
-    };
-  }
-
-  return {
-    checklist,
-    draftAllocations,
-    rationale,
-    currentSession: readonly(currentSession),
-    savedRecords: readonly(savedRecords),
-    availableAmounts: readonly(availableAmounts),
-    totalAllocated,
-    checklistComplete,
-    updateChecklistItem,
-    updateAllocation,
-    resetAllocations,
-    updateRationale,
-    saveSession,
-    loadSession,
-    setCurrentSession,
-    updateAvailableAmounts,
-    resetSession,
-  };
-});
diff --git a/stores/streams.ts b/stores/streams.ts
index 90ab989..1abfa5c 100644
--- a/stores/streams.ts
+++ b/stores/streams.ts
@@ -48,8 +48,8 @@ export const useStreamsStore = defineStore(
       } else {
         const newStream = {
           id: stream.id || Date.now().toString(),
-          name: stream.name,
           category: stream.category,
+          name: stream.name,
           subcategory: stream.subcategory || "",
           targetPct: stream.targetPct || 0,
           targetMonthlyAmount: stream.targetMonthlyAmount || 0,
diff --git a/types/members.ts b/types/members.ts
index 60dbb20..c04c27b 100644
--- a/types/members.ts
+++ b/types/members.ts
@@ -1,15 +1,12 @@
 export type PayRelationship =
   | 'equal-pay'
   | 'needs-weighted'
-  | 'role-banded'
   | 'hours-weighted'
   | 'custom-formula';
 
 export interface Member {
   id: string
   displayName: string
-  roleFocus?: string
-  role?: string
   hoursPerWeek?: number
   hoursPerMonth?: number
   capacity?: {
@@ -21,10 +18,8 @@ export interface Member {
   // Existing/planned
   monthlyPayPlanned?: number
 
-  // NEW - early-stage friendly, defaults-safe
+  // Simplified - only minimum needs for needs-weighted allocation
   minMonthlyNeeds?: number
-  targetMonthlyPay?: number
-  externalMonthlyIncome?: number
 
   // Compatibility with existing store
   payRelationship?: string
@@ -35,8 +30,7 @@ export interface Member {
   quarterlyDeferredCap?: number
 
   // UI-only derivations
-  coverageMinPct?: number
-  coverageTargetPct?: number
+  coveragePct?: number
 }
 
 export interface PayPolicy {
@@ -44,22 +38,19 @@ export interface PayPolicy {
   notes?: string
   equalBase?: number
   needsWeight?: number
-  roleBands?: Record<string, number>
   hoursRate?: number
   customFormula?: string
 }
 
-// Coverage calculation helpers
-export function coverage(minNeeds = 0, target = 0, planned = 0, external = 0) {
-  const base = planned + external
-  const min = minNeeds > 0 ? Math.min(200, (base / minNeeds) * 100) : undefined
-  const tgt = target > 0 ? Math.min(200, (base / target) * 100) : undefined
-  return { minPct: min, targetPct: tgt }
+// Simplified coverage calculation
+export function coverage(minNeeds = 0, planned = 0) {
+  const coveragePct = minNeeds > 0 ? Math.min(200, (planned / minNeeds) * 100) : undefined
+  return { coveragePct }
 }
 
 export function teamCoverageStats(members: Member[]) {
   const vals = members
-    .map(m => coverage(m.minMonthlyNeeds, m.targetMonthlyPay, m.monthlyPayPlanned, m.externalMonthlyIncome).minPct)
+    .map(m => coverage(m.minMonthlyNeeds, m.monthlyPayPlanned).coveragePct)
     .filter((v): v is number => typeof v === 'number')
 
   if (!vals.length) return { under100: 0, median: undefined, range: undefined, gini: undefined }
@@ -104,12 +95,7 @@ export function allocatePayroll(members: Member[], policy: PayPolicy, payrollBud
     return result
   }
 
-  if (policy.relationship === 'role-banded' && policy.roleBands) {
-    const bands = result.map(m => policy.roleBands![m.role ?? ''] ?? 0)
-    const sum = bands.reduce((a, b) => a + b, 0) || 1
-    result.forEach((m, i) => m.monthlyPayPlanned = payrollBudget * (bands[i] / sum))
-    return result
-  }
+  // Removed role-banded allocation - no longer supported
 
   if (policy.relationship === 'hours-weighted') {
     const hours = result.map(m => m.hoursPerMonth ?? (m.hoursPerWeek ? m.hoursPerWeek * 4 : 0) ?? (m.capacity?.targetHours ?? 0))
@@ -124,7 +110,7 @@ export function allocatePayroll(members: Member[], policy: PayPolicy, payrollBud
   return result
 }
 
-// Monthly payroll calculation for runway and cashflow
+// Monthly payroll calculation for runway and budgets
 export function monthlyPayroll(members: Member[], mode: 'minimum' | 'target' = 'minimum'): number {
   return members.reduce((sum, m) => {
     const planned = m.monthlyPayPlanned ?? 0
diff --git a/utils/currency.ts b/utils/currency.ts
new file mode 100644
index 0000000..6f24114
--- /dev/null
+++ b/utils/currency.ts
@@ -0,0 +1,23 @@
+export interface CurrencyOption {
+  code: string;
+  symbol: string;
+  name: string;
+}
+
+export const currencyOptions: CurrencyOption[] = [
+  { code: 'USD', symbol: '$', name: 'US Dollar' },
+  { code: 'EUR', symbol: '€', name: 'Euro' },
+  { code: 'GBP', symbol: '£', name: 'British Pound' },
+  { code: 'CAD', symbol: 'C$', name: 'Canadian Dollar' },
+  { code: 'AUD', symbol: 'A$', name: 'Australian Dollar' },
+  { code: 'CHF', symbol: 'CHF', name: 'Swiss Franc' },
+  { code: 'JPY', symbol: '¥', name: 'Japanese Yen' },
+  { code: 'SEK', symbol: 'kr', name: 'Swedish Krona' },
+  { code: 'NOK', symbol: 'kr', name: 'Norwegian Krone' },
+  { code: 'DKK', symbol: 'kr', name: 'Danish Krone' },
+];
+
+export function getCurrencySymbol(currencyCode: string): string {
+  const currency = currencyOptions.find(c => c.code === currencyCode);
+  return currency?.symbol || currencyCode;
+}
\ No newline at end of file
diff --git a/utils/testDataConsistency.ts b/utils/testDataConsistency.ts
new file mode 100644
index 0000000..752ba03
--- /dev/null
+++ b/utils/testDataConsistency.ts
@@ -0,0 +1,94 @@
+/**
+ * Test Data Consistency Utilities
+ * 
+ * Functions to verify that data is consistent across all interfaces
+ * after setup completion and synchronization
+ */
+
+export const testDataConsistency = () => {
+  const coopStore = useCoopBuilderStore()
+  const streamsStore = useStreamsStore()
+  const membersStore = useMembersStore()
+  const policiesStore = usePoliciesStore()
+
+  const issues: string[] = []
+
+  // Test streams consistency
+  if (coopStore.streams.length > 0 && streamsStore.streams.length > 0) {
+    if (coopStore.streams.length !== streamsStore.streams.length) {
+      issues.push(`Stream count mismatch: CoopBuilder(${coopStore.streams.length}) vs Legacy(${streamsStore.streams.length})`)
+    }
+
+    // Check if stream data matches
+    coopStore.streams.forEach(coopStream => {
+      const legacyStream = streamsStore.streams.find(s => s.id === coopStream.id)
+      if (!legacyStream) {
+        issues.push(`CoopBuilder stream "${coopStream.label}" not found in legacy store`)
+      } else {
+        if (legacyStream.name !== coopStream.label) {
+          issues.push(`Stream name mismatch for ${coopStream.id}: "${legacyStream.name}" vs "${coopStream.label}"`)
+        }
+        if (legacyStream.targetMonthlyAmount !== coopStream.monthly) {
+          issues.push(`Stream amount mismatch for ${coopStream.id}: ${legacyStream.targetMonthlyAmount} vs ${coopStream.monthly}`)
+        }
+      }
+    })
+  }
+
+  // Test members consistency
+  if (coopStore.members.length > 0 && membersStore.members.length > 0) {
+    if (coopStore.members.length !== membersStore.members.length) {
+      issues.push(`Member count mismatch: CoopBuilder(${coopStore.members.length}) vs Legacy(${membersStore.members.length})`)
+    }
+
+    // Check if member data matches
+    coopStore.members.forEach(coopMember => {
+      const legacyMember = membersStore.members.find(m => m.id === coopMember.id)
+      if (!legacyMember) {
+        issues.push(`CoopBuilder member "${coopMember.name}" not found in legacy store`)
+      } else {
+        if (legacyMember.displayName !== coopMember.name) {
+          issues.push(`Member name mismatch for ${coopMember.id}: "${legacyMember.displayName}" vs "${coopMember.name}"`)
+        }
+      }
+    })
+  }
+
+  // Test policies consistency
+  if (coopStore.equalHourlyWage > 0 && policiesStore.equalHourlyWage > 0) {
+    if (coopStore.equalHourlyWage !== policiesStore.equalHourlyWage) {
+      issues.push(`Hourly wage mismatch: CoopBuilder(${coopStore.equalHourlyWage}) vs Legacy(${policiesStore.equalHourlyWage})`)
+    }
+    if (coopStore.payrollOncostPct !== policiesStore.payrollOncostPct) {
+      issues.push(`Oncost percentage mismatch: CoopBuilder(${coopStore.payrollOncostPct}) vs Legacy(${policiesStore.payrollOncostPct})`)
+    }
+  }
+
+  return {
+    isConsistent: issues.length === 0,
+    issues,
+    summary: issues.length === 0 
+      ? 'All data is consistent across interfaces' 
+      : `${issues.length} consistency issues found`
+  }
+}
+
+export const logDataConsistency = () => {
+  const result = testDataConsistency()
+  
+  console.group('🔄 Data Consistency Check')
+  console.log('Status:', result.isConsistent ? '✅ Consistent' : '❌ Issues Found')
+  console.log('Summary:', result.summary)
+  
+  if (result.issues.length > 0) {
+    console.group('Issues:')
+    result.issues.forEach((issue, index) => {
+      console.log(`${index + 1}. ${issue}`)
+    })
+    console.groupEnd()
+  }
+  
+  console.groupEnd()
+  
+  return result
+}
\ No newline at end of file