refactor: enhance routing and state management in CoopBuilder, add migration checks on startup, and update Tailwind configuration for improved component styling

app.vue

@@ -79,14 +79,25 @@ const isCoopBuilderSection = computed(
     route.path === "/coop-planner" ||
     route.path === "/coop-builder" ||
     route.path === "/" ||
+    route.path === "/dashboard" ||
     route.path === "/mix" ||
     route.path === "/budget" ||
     route.path === "/scenarios" ||
     route.path === "/cash" ||
+    route.path === "/session" ||
+    route.path === "/settings" ||
     route.path === "/glossary"
 );
 
 const isWizardSection = computed(
   () => route.path === "/wizards" || route.path.startsWith("/templates/")
 );
+
+// Run migrations on app startup
+onMounted(() => {
+  const { migrate, needsMigration } = useMigrations();
+  if (needsMigration()) {
+    migrate();
+  }
+});
 </script>

components/CoopBuilderSubnav.vue

@@ -26,6 +26,11 @@
 const route = useRoute();
 
 const coopBuilderItems = [
+  {
+    id: "dashboard",
+    name: "Dashboard",
+    path: "/dashboard",
+  },
   {
     id: "coop-builder",
     name: "Setup Wizard",
@@ -36,6 +41,26 @@ const coopBuilderItems = [
     name: "Budget",
     path: "/budget",
   },
+  {
+    id: "mix",
+    name: "Revenue Mix",
+    path: "/mix",
+  },
+  {
+    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 {

components/CoverageChip.vue

@@ -0,0 +1,57 @@
+<template>
+  <UTooltip :text="tooltipText">
+    <UBadge
+      :color="badgeColor"
+      variant="solid"
+      size="sm"
+      class="font-medium"
+    >
+      <UIcon :name="iconName" class="w-3 h-3 mr-1" />
+      {{ displayText }}
+    </UBadge>
+  </UTooltip>
+</template>
+
+<script setup lang="ts">
+interface Props {
+  coverageMinPct?: number
+  coverageTargetPct?: number
+  memberName?: string
+  warnIfUnder?: number
+}
+
+const props = withDefaults(defineProps<Props>(), {
+  warnIfUnder: 100,
+  memberName: 'member'
+})
+
+const coverage = computed(() => props.coverageMinPct || 0)
+
+const badgeColor = computed(() => {
+  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'
+})
+
+const displayText = computed(() => {
+  if (!props.coverageMinPct) return 'No needs set'
+  return `${Math.round(coverage.value)}% coverage`
+})
+
+const tooltipText = computed(() => {
+  if (!props.coverageMinPct) {
+    return `${props.memberName} hasn't set their minimum needs yet`
+  }
+  
+  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>

components/MilestoneRunwayOverlay.vue

@@ -0,0 +1,211 @@
+<template>
+  <div class="space-y-4">
+    <!-- Runway summary -->
+    <div class="grid grid-cols-2 gap-4 p-3 bg-gray-50 rounded-lg text-sm">
+      <div>
+        <span class="text-gray-600">Min mode runway:</span>
+        <div class="font-bold text-lg">{{ minRunwayMonths }} months</div>
+        <div class="text-xs text-gray-500">Until {{ formatDate(minRunwayEndDate) }}</div>
+      </div>
+      <div>
+        <span class="text-gray-600">Target mode runway:</span>
+        <div class="font-bold text-lg">{{ targetRunwayMonths }} months</div>
+        <div class="text-xs text-gray-500">Until {{ formatDate(targetRunwayEndDate) }}</div>
+      </div>
+    </div>
+    
+    <!-- Milestones -->
+    <div class="space-y-2">
+      <div class="flex items-center justify-between">
+        <h4 class="text-sm font-medium">Milestones</h4>
+        <UButton 
+          size="xs" 
+          variant="ghost" 
+          @click="addMilestone"
+        >
+          <UIcon name="i-heroicons-plus" class="w-3 h-3 mr-1" />
+          Add
+        </UButton>
+      </div>
+      
+      <div v-if="milestones.length === 0" class="text-xs text-gray-500 italic p-2">
+        No milestones set. Add key dates to track runway coverage.
+      </div>
+      
+      <div v-for="milestone in milestonesWithStatus" :key="milestone.id"
+           class="flex items-center justify-between p-2 border border-gray-200 rounded text-sm">
+        <div class="flex items-center gap-2">
+          <UIcon 
+            :name="milestone.status === 'safe' ? 'i-heroicons-check-circle' : 
+                   milestone.status === 'warning' ? 'i-heroicons-exclamation-triangle' :
+                   'i-heroicons-x-circle'"
+            :class="milestone.status === 'safe' ? 'text-green-500' : 
+                    milestone.status === 'warning' ? 'text-yellow-500' :
+                    'text-red-500'"
+            class="w-4 h-4"
+          />
+          <div>
+            <div class="font-medium">{{ milestone.label }}</div>
+            <div class="text-xs text-gray-500">{{ formatDate(milestone.date) }}</div>
+          </div>
+        </div>
+        <div class="text-right">
+          <div class="text-xs text-gray-600">
+            {{ milestone.monthsFromNow > 0 ? `+${milestone.monthsFromNow}` : milestone.monthsFromNow }}mo
+          </div>
+          <UButton 
+            size="xs" 
+            variant="ghost" 
+            color="red"
+            @click="removeMilestone(milestone.id)"
+          >
+            <UIcon name="i-heroicons-trash" class="w-3 h-3" />
+          </UButton>
+        </div>
+      </div>
+    </div>
+    
+    <!-- Add milestone form -->
+    <div v-if="showAddForm" class="p-3 border border-gray-200 rounded-lg space-y-2">
+      <UInput 
+        v-model="newMilestone.label"
+        placeholder="Milestone name (e.g., 'Prototype release')"
+        size="sm"
+      />
+      <UInput 
+        v-model="newMilestone.date"
+        type="date"
+        size="sm"
+      />
+      <div class="flex gap-2">
+        <UButton size="xs" @click="saveMilestone">Save</UButton>
+        <UButton size="xs" variant="ghost" @click="cancelAdd">Cancel</UButton>
+      </div>
+    </div>
+  </div>
+</template>
+
+<script setup lang="ts">
+interface Milestone {
+  id: string
+  label: string
+  date: string // YYYY-MM-DD
+}
+
+const membersStore = useMembersStore()
+const policiesStore = usePoliciesStore()
+const cashStore = useCashStore()
+
+const { getDualModeRunway, formatRunway, getRunwayStatus } = useRunway()
+
+// Runway calculations using the integrated composable
+const runwayData = computed(() => {
+  const cash = cashStore.currentCash || 50000 // Mock fallback
+  const savings = cashStore.currentSavings || 15000 // Mock fallback
+  return getDualModeRunway(cash, savings)
+})
+
+const minRunwayMonths = computed(() => Math.floor(runwayData.value.minimum))
+const targetRunwayMonths = computed(() => Math.floor(runwayData.value.target))
+
+const minRunwayEndDate = computed(() => {
+  const date = new Date()
+  date.setMonth(date.getMonth() + minRunwayMonths.value)
+  return date
+})
+
+const targetRunwayEndDate = computed(() => {
+  const date = new Date()
+  date.setMonth(date.getMonth() + targetRunwayMonths.value)
+  return date
+})
+
+// Milestones management - store in localStorage
+const milestones = ref<Milestone[]>([])
+
+// Initialize milestones from localStorage
+onMounted(() => {
+  const stored = localStorage.getItem('urgent-tools-milestones')
+  if (stored) {
+    try {
+      milestones.value = JSON.parse(stored)
+    } catch (e) {
+      console.warn('Failed to parse stored milestones')
+      milestones.value = []
+    }
+  } else {
+    // Default milestones for new users
+    milestones.value = [
+      { id: '1', label: 'Prototype release', date: '2025-12-15' },
+      { id: '2', label: 'Series A funding', date: '2026-03-01' }
+    ]
+    saveMilestones()
+  }
+})
+
+// Save milestones to localStorage
+function saveMilestones() {
+  localStorage.setItem('urgent-tools-milestones', JSON.stringify(milestones.value))
+}
+
+const showAddForm = ref(false)
+const newMilestone = ref({ label: '', date: '' })
+
+const milestonesWithStatus = computed(() => {
+  const currentMode = policiesStore.operatingMode || 'minimum'
+  const runwayMonths = currentMode === 'target' ? targetRunwayMonths.value : minRunwayMonths.value
+  const runwayEndDate = currentMode === 'target' ? targetRunwayEndDate.value : minRunwayEndDate.value
+  
+  return milestones.value.map(milestone => {
+    const milestoneDate = new Date(milestone.date)
+    const now = new Date()
+    const monthsFromNow = Math.round((milestoneDate.getTime() - now.getTime()) / (1000 * 60 * 60 * 24 * 30))
+    
+    let status: 'safe' | 'warning' | 'danger'
+    if (milestoneDate <= runwayEndDate) {
+      status = 'safe'
+    } else if (monthsFromNow <= runwayMonths + 2) {
+      status = 'warning'
+    } else {
+      status = 'danger'
+    }
+    
+    return {
+      ...milestone,
+      monthsFromNow,
+      status
+    }
+  }).sort((a, b) => a.monthsFromNow - b.monthsFromNow)
+})
+
+function formatDate(date: Date | string) {
+  const d = typeof date === 'string' ? new Date(date) : date
+  return d.toLocaleDateString('en-US', { month: 'short', year: 'numeric' })
+}
+
+function addMilestone() {
+  showAddForm.value = true
+}
+
+function saveMilestone() {
+  if (newMilestone.value.label && newMilestone.value.date) {
+    milestones.value.push({
+      id: Date.now().toString(),
+      ...newMilestone.value
+    })
+    saveMilestones() // Persist to localStorage
+    newMilestone.value = { label: '', date: '' }
+    showAddForm.value = false
+  }
+}
+
+function cancelAdd() {
+  newMilestone.value = { label: '', date: '' }
+  showAddForm.value = false
+}
+
+function removeMilestone(id: string) {
+  milestones.value = milestones.value.filter(m => m.id !== id)
+  saveMilestones() // Persist to localStorage
+}
+</script>

components/NeedsCoverageBars.vue

@@ -0,0 +1,71 @@
+<template>
+  <div class="space-y-3">
+    <div v-for="member in membersWithCoverage" :key="member.id" class="space-y-1">
+      <div class="flex justify-between text-xs font-medium text-gray-700">
+        <span>{{ member.displayName || 'Unnamed' }}</span>
+        <span>{{ Math.round(member.coverageMinPct || 0) }}%</span>
+      </div>
+      
+      <div class="relative h-6 bg-gray-100 rounded overflow-hidden">
+        <!-- Min coverage bar -->
+        <div 
+          class="absolute top-0 left-0 h-full transition-all duration-300"
+          :class="getBarColor(member.coverageMinPct)"
+          :style="{ width: `${Math.min(100, member.coverageMinPct || 0)}%` }"
+        />
+        
+        <!-- Target coverage tick/ghost -->
+        <div 
+          v-if="member.coverageTargetPct"
+          class="absolute top-0 h-full w-0.5 bg-gray-400 opacity-50"
+          :style="{ left: `${Math.min(100, member.coverageTargetPct)}%` }"
+        >
+          <div class="absolute -top-1 -left-1 w-2 h-2 bg-gray-400 rounded-full opacity-50" />
+        </div>
+        
+        <!-- 100% line -->
+        <div class="absolute top-0 left-0 h-full w-full pointer-events-none">
+          <div class="absolute top-0 h-full w-px bg-gray-600" style="left: 100%" />
+        </div>
+      </div>
+    </div>
+    
+    <!-- Summary stats -->
+    <div class="pt-3 border-t border-gray-200 text-xs text-gray-600">
+      <div class="flex justify-between">
+        <span>Team median: {{ Math.round(teamStats.median || 0) }}%</span>
+        <span v-if="teamStats.under100 > 0" class="text-yellow-600 font-medium">
+          {{ teamStats.under100 }} under minimum
+        </span>
+        <span v-else class="text-green-600 font-medium">
+          All covered ✓
+        </span>
+      </div>
+    </div>
+  </div>
+</template>
+
+<script setup lang="ts">
+import { storeToRefs } from 'pinia'
+
+const membersStore = useMembersStore()
+const { members, teamStats } = storeToRefs(membersStore)
+
+const membersWithCoverage = computed(() => {
+  return members.value.map(member => {
+    const coverage = membersStore.getMemberCoverage(member.id)
+    return {
+      ...member,
+      coverageMinPct: coverage.minPct,
+      coverageTargetPct: coverage.targetPct
+    }
+  })
+})
+
+function getBarColor(coverage: number | undefined) {
+  const pct = coverage || 0
+  if (pct >= 100) return 'bg-green-500'
+  if (pct >= 80) return 'bg-yellow-500'
+  return 'bg-red-500'
+}
+</script>

components/RevenueMixTable.vue

@@ -0,0 +1,93 @@
+<template>
+  <div class="space-y-3">
+    <!-- Revenue streams table -->
+    <div class="space-y-2">
+      <div v-for="stream in sortedStreams" :key="stream.id" 
+           class="flex justify-between items-center text-sm">
+        <div class="flex items-center gap-2">
+          <div 
+            class="w-3 h-3 rounded"
+            :style="{ backgroundColor: getStreamColor(stream.id) }"
+          />
+          <span class="font-medium">{{ stream.name }}</span>
+        </div>
+        <div class="flex items-center gap-2">
+          <span class="text-gray-600">{{ formatCurrency(stream.targetMonthlyAmount || 0) }}</span>
+          <span class="font-medium min-w-[40px] text-right">{{ stream.percentage }}%</span>
+        </div>
+      </div>
+    </div>
+    
+    <!-- Concentration warning -->
+    <div v-if="concentrationWarning" 
+         class="p-3 bg-yellow-50 border border-yellow-200 rounded-md">
+      <div class="flex items-start gap-2">
+        <UIcon name="i-heroicons-exclamation-triangle" class="w-4 h-4 text-yellow-600 mt-0.5" />
+        <div class="text-sm text-yellow-800">
+          <span class="font-medium">{{ concentrationWarning.stream }}</span>
+          = {{ concentrationWarning.percentage }}% of total → consider balancing
+        </div>
+      </div>
+    </div>
+    
+    <!-- Totals -->
+    <div class="pt-2 border-t border-gray-200 text-xs text-gray-600">
+      <div class="flex justify-between">
+        <span>Total monthly target:</span>
+        <span class="font-medium">{{ formatCurrency(totalMonthly) }}</span>
+      </div>
+    </div>
+  </div>
+</template>
+
+<script setup lang="ts">
+import { storeToRefs } from 'pinia'
+
+const streamsStore = useStreamsStore()
+const { streams } = storeToRefs(streamsStore)
+
+const totalMonthly = computed(() => {
+  return streams.value.reduce((sum, s) => sum + (s.targetMonthlyAmount || 0), 0)
+})
+
+const sortedStreams = computed(() => {
+  const withPercentages = streams.value
+    .map(stream => {
+      const amount = stream.targetMonthlyAmount || 0
+      const percentage = totalMonthly.value > 0 
+        ? Math.round((amount / totalMonthly.value) * 100) 
+        : 0
+      return { ...stream, percentage }
+    })
+    .filter(s => s.percentage > 0)
+    
+  return withPercentages.sort((a, b) => b.percentage - a.percentage)
+})
+
+const concentrationWarning = computed(() => {
+  const topStream = sortedStreams.value[0]
+  if (topStream && topStream.percentage >= 50) {
+    return {
+      stream: topStream.name,
+      percentage: topStream.percentage
+    }
+  }
+  return null
+})
+
+const colors = ['#3b82f6', '#10b981', '#f59e0b', '#ef4444', '#8b5cf6', '#06b6d4', '#84cc16']
+
+function getStreamColor(streamId: string) {
+  const index = streams.value.findIndex(s => s.id === streamId)
+  return colors[index % colors.length]
+}
+
+function formatCurrency(amount: number) {
+  return new Intl.NumberFormat('en-EU', {
+    style: 'currency',
+    currency: 'EUR',
+    minimumFractionDigits: 0,
+    maximumFractionDigits: 0
+  }).format(amount)
+}
+</script>

components/WizardCostsStep.vue

@@ -18,6 +18,27 @@
       </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>
+    </div>
+
     <!-- Overhead Costs -->
     <div class="space-y-4">
       <div
@@ -130,14 +151,26 @@
 
 <script setup lang="ts">
 import { useDebounceFn } from "@vueuse/core";
-import { storeToRefs } from "pinia";
 const emit = defineEmits<{
   "save-status": [status: "saving" | "saved" | "error"];
 }>();
 
 // Store
-const budgetStore = useBudgetStore();
+const coop = useCoopBuilder();
-const { overheadCosts } = storeToRefs(budgetStore);
+
+// Get the store directly for overhead costs
+const store = useCoopBuilderStore();
+
+// Computed for overhead costs (from store)
+const overheadCosts = computed(() => store.overheadCosts || []);
+
+// Operating mode toggle
+const useTargetMode = ref(coop.operatingMode.value === 'target');
+
+function updateOperatingMode(value: boolean) {
+  coop.setOperatingMode(value ? 'target' : 'min');
+  emit("save-status", "saved");
+}
 
 // Category options
 const categoryOptions = [
@@ -168,13 +201,8 @@ const debouncedSave = useDebounceFn((cost: any) => {
   emit("save-status", "saving");
 
   try {
-    // Find and update existing cost
+    // Use store's upsert method
-    const existingCost = overheadCosts.value.find((c) => c.id === cost.id);
+    store.upsertOverheadCost(cost);
-    if (existingCost) {
-      // Store will handle reactivity through the ref
-      Object.assign(existingCost, cost);
-    }
-
     emit("save-status", "saved");
   } catch (error) {
     console.error("Failed to save cost:", error);
@@ -204,15 +232,13 @@ function addOverheadCost() {
     recurring: true,
   };
 
-  budgetStore.addOverheadLine({
+  store.addOverheadCost(newCost);
-    name: newCost.name,
+  emit("save-status", "saved");
-    amountMonthly: newCost.amount,
-    category: newCost.category,
-  });
 }
 
 function removeCost(id: string) {
-  budgetStore.removeOverheadLine(id);
+  store.removeOverheadCost(id);
+  emit("save-status", "saved");
 }
 
 function exportCosts() {

components/WizardMembersStep.vue

@@ -53,58 +53,22 @@
         v-for="(member, index) in members"
         :key="member.id"
         class="p-6 border-3 border-black rounded-xl bg-white shadow-md">
-        <div class="grid grid-cols-1 md:grid-cols-4 gap-4">
+        <!-- Header row with name and coverage chip -->
-          <UFormField label="Name" required class="md:col-span-2">
+        <div class="flex items-center justify-between mb-4">
+          <div class="flex items-center gap-3">
             <UInput
               v-model="member.displayName"
-              placeholder="Alex Chen"
+              placeholder="Member name"
-              size="xl"
+              size="lg"
-              class="text-lg font-medium w-full"
+              class="text-lg font-bold w-48"
               @update:model-value="saveMember(member)"
               @blur="saveMember(member)" />
-          </UFormField>
+            <CoverageChip
-
+              :coverage-min-pct="memberCoverage(member).minPct"
-          <UFormField label="Pay relationship" required>
+              :coverage-target-pct="memberCoverage(member).targetPct"
-            <USelect
+              :member-name="member.displayName || 'This member'"
-              v-model="member.payRelationship"
+            />
-              :items="payRelationshipOptions"
+          </div>
-              size="xl"
-              class="text-lg 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="xl"
-              class="text-xl font-bold w-full"
-              @update:model-value="validateAndSaveHours($event, member)"
-              @blur="saveMember(member)" />
-          </UFormField>
-        </div>
-
-        <div class="grid grid-cols-1 md:grid-cols-2 gap-4 mt-3">
-          <UFormField label="External income coverage %" class="md:col-span-1">
-            <UInput
-              v-model="member.externalCoveragePct"
-              type="text"
-              placeholder="50"
-              size="xl"
-              class="text-lg font-medium w-full"
-              @update:model-value="validateAndSavePercentage($event, member)"
-              @blur="saveMember(member)" />
-            <template #help>
-              <span class="text-xs text-neutral-500"
-                >% of needs covered by other income</span
-              >
-            </template>
-          </UFormField>
-        </div>
-
-        <!-- Actions -->
-        <div class="flex justify-end mt-6 pt-6 border-t-3 border-black">
           <UButton
             size="xs"
             variant="solid"
@@ -116,6 +80,78 @@
             <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"
+              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($event, member)"
+              @blur="saveMember(member)" />
+          </UFormField>
+          
+          <UFormField label="Role (optional)">
+            <UInput
+              v-model="member.role"
+              placeholder="Developer"
+              size="md"
+              class="text-sm font-medium w-full"
+              @update:model-value="saveMember(member)"
+              @blur="saveMember(member)" />
+          </UFormField>
+        </div>
+
+        <!-- Compact needs section -->
+        <div class="grid grid-cols-1 md:grid-cols-3 gap-3 p-3 bg-gray-50 rounded-lg">
+          <div>
+            <label class="text-xs font-medium text-gray-600 mb-1 block">Minimum needs (€/mo)</label>
+            <UInput
+              v-model="member.minMonthlyNeeds"
+              type="text"
+              placeholder="2000"
+              size="sm"
+              class="text-sm font-medium w-full"
+              @update:model-value="validateAndSaveAmount($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>
+        </div>
       </div>
 
       <!-- Add Member -->
@@ -139,14 +175,30 @@
 
 <script setup lang="ts">
 import { useDebounceFn } from "@vueuse/core";
-import { storeToRefs } from "pinia";
+import { coverage } from "~/types/members";
+
 const emit = defineEmits<{
   "save-status": [status: "saving" | "saved" | "error"];
 }>();
 
 // Store
-const membersStore = useMembersStore();
+const coop = useCoopBuilder();
-const { members } = storeToRefs(membersStore);
+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
+    },
+    payRelationship: 'FullyPaid', // Default since not in store yet
+    minMonthlyNeeds: m.minMonthlyNeeds || 0,
+    targetMonthlyPay: m.targetMonthlyPay || 0,
+    externalMonthlyIncome: m.externalMonthlyIncome || 0,
+    monthlyPayPlanned: m.monthlyPayPlanned || 0
+  }))
+);
 
 // Options
 const payRelationshipOptions = [
@@ -181,7 +233,19 @@ const debouncedSave = useDebounceFn((member: any) => {
   emit("save-status", "saving");
 
   try {
-    membersStore.upsertMember(member);
+    // 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,
+    };
+    
+    coop.upsertMember(memberData);
     emit("save-status", "saved");
   } catch (error) {
     console.error("Failed to save member:", error);
@@ -208,29 +272,38 @@ 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
+  );
+}
+
 function addMember() {
   const newMember = {
     id: Date.now().toString(),
-    displayName: "",
+    name: "",
-    roleFocus: "", // Hidden but kept for compatibility
+    role: "",
-    payRelationship: "FullyPaid",
+    hoursPerMonth: 0,
-    capacity: {
+    minMonthlyNeeds: 0,
-      minHours: 0,
+    targetMonthlyPay: 0,
-      targetHours: 0,
+    externalMonthlyIncome: 0,
-      maxHours: 0,
+    monthlyPayPlanned: 0,
-    },
-    riskBand: "Medium", // Hidden but kept with default
-    externalCoveragePct: 50,
-    privacyNeeds: "aggregate_ok",
-    deferredHours: 0,
-    quarterlyDeferredCap: 240,
   };
 
-  membersStore.upsertMember(newMember);
+  coop.upsertMember(newMember);
 }
 
 function removeMember(id: string) {
-  membersStore.removeMember(id);
+  coop.removeMember(id);
 }
 
 function exportMembers() {

components/WizardPoliciesStep.vue

@@ -4,10 +4,10 @@
     <div class="flex items-center justify-between mb-8">
       <div>
         <h3 class="text-2xl font-black text-black mb-2">
-          What's your equal hourly wage?
+          Set your wage & pay policy
         </h3>
         <p class="text-neutral-600">
-          Set the hourly rate that all co-op members will earn for their work.
+          Choose how to allocate payroll among members and set the base hourly rate.
         </p>
       </div>
       <div class="flex items-center gap-3">
@@ -22,18 +22,68 @@
       </div>
     </div>
 
-    <div class="max-w-md">
+    <!-- Pay Policy Selection -->
-      <UInput
+    <div class="p-6 border-3 border-black rounded-xl bg-white shadow-md">
-        v-model="wageText"
+      <h4 class="font-bold mb-4">Pay Allocation Policy</h4>
-        type="text"
+      <div class="space-y-3">
-        placeholder="0.00"
+        <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">
-        size="xl"
+          <input
-        class="text-4xl font-black w-full h-20"
+            type="radio"
-        @update:model-value="validateAndSaveWage">
+            :value="option.value"
-        <template #leading>
+            v-model="selectedPolicy"
-          <span class="text-neutral-500 text-3xl">$</span>
+            @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>
-      </UInput>
+      </UAlert>
+    </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>
     </div>
   </div>
 </template>
@@ -44,7 +94,13 @@ const emit = defineEmits<{
 }>();
 
 // Store
-const policiesStore = usePoliciesStore();
+const coop = useCoopBuilder();
+const store = useCoopBuilderStore();
+
+// Initialize from store
+const selectedPolicy = ref(coop.policy.value?.relationship || 'equal-pay')
+const roleBands = ref(coop.policy.value?.roleBands || {})
+const wageText = ref(String(store.equalHourlyWage || ''))
 
 function parseNumberInput(val: unknown): number {
   if (typeof val === "number") return val;
@@ -56,20 +112,49 @@ function parseNumberInput(val: unknown): number {
   return 0;
 }
 
-// Text input for wage with validation
+// Pay policy options
-const wageText = ref(
+const policyOptions = [
-  policiesStore.equalHourlyWage > 0
+  { value: 'equal-pay', label: 'Equal pay - Everyone gets the same monthly amount' },
-    ? policiesStore.equalHourlyWage.toString()
+  { value: 'needs-weighted', label: 'Needs-weighted - Allocate based on minimum needs' },
-    : ""
+  { value: 'hours-weighted', label: 'Hours-weighted - Allocate based on hours worked' },
-);
+  { value: 'role-banded', label: 'Role-banded - Different amounts per role' }
+]
 
-// Watch for store changes to update text field
+// Already initialized above with store values
-watch(
+
-  () => policiesStore.equalHourlyWage,
+const uniqueRoles = computed(() => {
-  (newWage) => {
+  const roles = new Set(coop.members.value.map(m => m.role || ''))
-    wageText.value = newWage > 0 ? newWage.toString() : "";
+  return Array.from(roles).map(role => ({ role }))
+})
+
+function updatePolicy(value: string) {
+  selectedPolicy.value = value
+  coop.setPolicy(value as "equal-pay" | "needs-weighted" | "hours-weighted" | "role-banded")
+  
+  // Trigger payroll reallocation after policy change
+  const allocatedMembers = coop.allocatePayroll()
+  allocatedMembers.forEach(m => {
+    coop.upsertMember(m)
+  })
+  
+  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");
+}
+
+// Text input for wage with validation (initialized above)
 
 function validateAndSaveWage(value: string) {
   const cleanValue = value.replace(/[^\d.]/g, "");
@@ -78,56 +163,24 @@ function validateAndSaveWage(value: string) {
   wageText.value = cleanValue;
 
   if (!isNaN(numValue) && numValue >= 0) {
-    policiesStore.setEqualWage(numValue);
+    coop.setEqualWage(numValue)
     
-    // Set sensible defaults when wage is set
+    // Trigger payroll reallocation after wage change
-    if (numValue > 0) {
+    const allocatedMembers = coop.allocatePayroll()
-      setDefaults();
+    allocatedMembers.forEach(m => {
-      emit("save-status", "saved");
+      coop.upsertMember(m)
-    }
+    })
+    
+    emit("save-status", "saved");
   }
 }
 
-// Set reasonable defaults for hidden fields
-function setDefaults() {
-  if (policiesStore.payrollOncostPct === 0) {
-    policiesStore.setOncostPct(25); // 25% on-costs
-  }
-  if (policiesStore.savingsTargetMonths === 0) {
-    policiesStore.setSavingsTargetMonths(3); // 3 months savings
-  }
-  if (policiesStore.minCashCushionAmount === 0) {
-    policiesStore.setMinCashCushion(3000); // €3k cushion
-  }
-  if (policiesStore.deferredCapHoursPerQtr === 0) {
-    policiesStore.setDeferredCap(240); // 240 hours quarterly cap
-  }
-  if (policiesStore.deferredSunsetMonths === 0) {
-    policiesStore.setDeferredSunset(12); // 12 month sunset
-  }
-  // Set default volunteer flows
-  if (policiesStore.volunteerScope.allowedFlows.length === 0) {
-    policiesStore.setVolunteerScope(["Care", "SharedLearning"]);
-  }
-}
-
-// Set defaults on mount if needed
-onMounted(() => {
-  if (policiesStore.equalHourlyWage > 0) {
-    setDefaults();
-  }
-});
-
 function exportPolicies() {
   const exportData = {
     policies: {
-      equalHourlyWage: policiesStore.equalHourlyWage,
+      selectedPolicy: coop.policy.value?.relationship || selectedPolicy.value,
-      payrollOncostPct: policiesStore.payrollOncostPct,
+      roleBands: coop.policy.value?.roleBands || roleBands.value,
-      savingsTargetMonths: policiesStore.savingsTargetMonths,
+      equalHourlyWage: store.equalHourlyWage || parseFloat(wageText.value),
-      minCashCushionAmount: policiesStore.minCashCushionAmount,
-      deferredCapHoursPerQtr: policiesStore.deferredCapHoursPerQtr,
-      deferredSunsetMonths: policiesStore.deferredSunsetMonths,
-      volunteerScope: policiesStore.volunteerScope,
     },
     exportedAt: new Date().toISOString(),
     section: "policies",

components/WizardRevenueStep.vue

@@ -137,15 +137,32 @@
 
 <script setup lang="ts">
 import { useDebounceFn } from "@vueuse/core";
-import { storeToRefs } from "pinia";
 
 const emit = defineEmits<{
   "save-status": [status: "saving" | "saved" | "error"];
 }>();
 
 // Store
-const streamsStore = useStreamsStore();
+const coop = useCoopBuilder();
-const { streams } = storeToRefs(streamsStore);
+const streams = computed(() => 
+  coop.streams.value.map(s => ({
+    // Map store fields to component expectations
+    id: s.id,
+    name: s.label,
+    category: s.category || 'games',
+    targetMonthlyAmount: s.monthly || 0,
+    subcategory: '',
+    targetPct: 0,
+    certainty: s.certainty || 'Aspirational',
+    payoutDelayDays: 30,
+    terms: 'Net 30',
+    revenueSharePct: 0,
+    platformFeePct: 0,
+    restrictions: 'General',
+    seasonalityWeights: new Array(12).fill(1),
+    effortHoursPerMonth: 0,
+  }))
+);
 
 // Original category options
 const categoryOptions = [
@@ -210,18 +227,16 @@ const debouncedSave = useDebounceFn((stream: any) => {
   emit("save-status", "saving");
 
   try {
-    // Set sensible defaults for hidden fields
+    // Convert component format back to store format
-    stream.targetPct = 0; // Will be calculated automatically later
+    const streamData = {
-    stream.certainty = "Aspirational";
+      id: stream.id,
-    stream.payoutDelayDays = 30; // Default 30 days
+      label: stream.name || '',
-    stream.terms = "Net 30";
+      monthly: stream.targetMonthlyAmount || 0,
-    stream.revenueSharePct = 0;
+      category: stream.category || 'games',
-    stream.platformFeePct = 0;
+      certainty: stream.certainty || 'Aspirational'
-    stream.restrictions = "General";
+    };
-    stream.seasonalityWeights = new Array(12).fill(1);
-    stream.effortHoursPerMonth = 0;
 
-    streamsStore.upsertStream(stream);
+    coop.upsertStream(streamData);
     emit("save-status", "saved");
   } catch (error) {
     console.error("Failed to save stream:", error);
@@ -245,26 +260,17 @@ function validateAndSaveAmount(value: string, stream: any) {
 function addRevenueStream() {
   const newStream = {
     id: Date.now().toString(),
-    name: "",
+    label: "",
+    monthly: 0,
     category: "games",
-    subcategory: "",
+    certainty: "Aspirational"
-    targetPct: 0,
-    targetMonthlyAmount: 0,
-    certainty: "Aspirational",
-    payoutDelayDays: 30,
-    terms: "Net 30",
-    revenueSharePct: 0,
-    platformFeePct: 0,
-    restrictions: "General",
-    seasonalityWeights: new Array(12).fill(1),
-    effortHoursPerMonth: 0,
   };
 
-  streamsStore.upsertStream(newStream);
+  coop.upsertStream(newStream);
 }
 
 function removeStream(id: string) {
-  streamsStore.removeStream(id);
+  coop.removeStream(id);
 }
 
 function exportStreams() {

components/WizardReviewStep.vue

@@ -208,6 +208,34 @@
       </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>
@@ -304,29 +332,28 @@ const emit = defineEmits<{
   reset: [];
 }>();
 
-// Stores
+// Store
-const membersStore = useMembersStore();
+const coop = useCoopBuilder();
-const policiesStore = usePoliciesStore();
-const budgetStore = useBudgetStore();
-const streamsStore = useStreamsStore();
 
 // Computed data
-const members = computed(() => membersStore.members);
+const members = computed(() => coop.members.value);
+const teamStats = computed(() => coop.teamCoverageStats());
 const policies = computed(() => ({
-  equalHourlyWage: policiesStore.equalHourlyWage,
+  // TODO: Get actual policy data from centralized store
-  payrollOncostPct: policiesStore.payrollOncostPct,
+  equalHourlyWage: 0,
-  savingsTargetMonths: policiesStore.savingsTargetMonths,
+  payrollOncostPct: 0,
-  minCashCushionAmount: policiesStore.minCashCushionAmount,
+  savingsTargetMonths: 0,
-  deferredCapHoursPerQtr: policiesStore.deferredCapHoursPerQtr,
+  minCashCushionAmount: 0,
-  volunteerScope: policiesStore.volunteerScope,
+  deferredCapHoursPerQtr: 0,
+  volunteerScope: { allowedFlows: [] },
 }));
-const overheadCosts = computed(() => budgetStore.overheadCosts);
+const overheadCosts = computed(() => []);
-const streams = computed(() => streamsStore.streams);
+const streams = computed(() => coop.streams.value);
 
 // Validation
-const membersValid = computed(() => membersStore.isValid);
+const membersValid = computed(() => coop.members.value.length > 0);
-const policiesValid = computed(() => policiesStore.isValid);
+const policiesValid = computed(() => true); // TODO: Add validation
-const streamsValid = computed(() => streamsStore.hasValidStreams);
+const streamsValid = computed(() => coop.streams.value.length > 0);
 const canComplete = computed(
   () => membersValid.value && policiesValid.value && streamsValid.value
 );
@@ -349,7 +376,9 @@ const totalMonthlyCosts = computed(() =>
   overheadCosts.value.reduce((sum, c) => sum + (c.amount || 0), 0)
 );
 
-const totalTargetPct = computed(() => streamsStore.totalTargetPct);
+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)

components/advanced/MilestonesPanel.vue

@@ -0,0 +1,98 @@
+<template>
+  <UCard>
+    <template #header>
+      <div class="flex items-center justify-between">
+        <h4 class="font-medium">Milestones</h4>
+        <UButton 
+          size="xs" 
+          variant="ghost"
+          icon="i-heroicons-plus"
+          @click="showAddForm = true"
+        >
+          Add
+        </UButton>
+      </div>
+    </template>
+    
+    <div class="space-y-3">
+      <div v-if="milestoneStatuses.length === 0" class="text-sm text-gray-500 italic py-2">
+        No milestones set. Add key dates to track progress.
+      </div>
+
+      <div
+        v-for="milestone in milestoneStatuses"
+        :key="milestone.id"
+        class="flex items-center justify-between p-2 border border-gray-200 rounded"
+      >
+        <div class="flex items-center gap-2">
+          <UIcon
+            :name="milestone.willReach ? 'i-heroicons-check-circle' : 'i-heroicons-exclamation-triangle'"
+            :class="milestone.willReach ? 'text-green-500' : 'text-amber-500'"
+            class="w-4 h-4"
+          />
+          <div>
+            <div class="text-sm font-medium">{{ milestone.label }}</div>
+            <div class="text-xs text-gray-500">
+              {{ formatDate(milestone.date) }}
+            </div>
+          </div>
+        </div>
+        <UButton
+          size="xs"
+          variant="ghost"
+          color="red"
+          icon="i-heroicons-trash"
+          @click="removeMilestone(milestone.id)"
+        />
+      </div>
+    </div>
+
+    <!-- Add milestone modal -->
+    <UModal v-model="showAddForm">
+      <div class="p-4">
+        <h3 class="text-lg font-semibold mb-4">Add Milestone</h3>
+        <div class="space-y-3">
+          <UInput
+            v-model="newMilestone.label"
+            placeholder="Milestone name (e.g., 'Product launch')"
+          />
+          <UInput
+            v-model="newMilestone.date"
+            type="date"
+          />
+          <div class="flex gap-2">
+            <UButton @click="saveMilestone">Save</UButton>
+            <UButton variant="ghost" @click="cancelAdd">Cancel</UButton>
+          </div>
+        </div>
+      </div>
+    </UModal>
+  </UCard>
+</template>
+
+<script setup lang="ts">
+const { milestoneStatus, addMilestone, removeMilestone } = useCoopBuilder()
+
+const showAddForm = ref(false)
+const newMilestone = ref({ label: '', date: '' })
+
+const milestoneStatuses = computed(() => milestoneStatus())
+
+function formatDate(dateString: string): string {
+  const date = new Date(dateString)
+  return date.toLocaleDateString('en-US', { month: 'short', year: 'numeric' })
+}
+
+function saveMilestone() {
+  if (newMilestone.value.label && newMilestone.value.date) {
+    addMilestone(newMilestone.value.label, newMilestone.value.date)
+    newMilestone.value = { label: '', date: '' }
+    showAddForm.value = false
+  }
+}
+
+function cancelAdd() {
+  newMilestone.value = { label: '', date: '' }
+  showAddForm.value = false
+}
+</script>

components/advanced/ScenariosPanel.vue

@@ -0,0 +1,49 @@
+<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>

components/advanced/StressTestPanel.vue

@@ -0,0 +1,93 @@
+<template>
+  <UCard>
+    <template #header>
+      <h4 class="font-medium">Stress Test</h4>
+    </template>
+    
+    <div class="space-y-4">
+      <div>
+        <label class="text-sm font-medium text-gray-700 mb-2 block">
+          Revenue Delay: {{ stress.revenueDelay }} months
+        </label>
+        <input
+          type="range"
+          :value="stress.revenueDelay"
+          min="0"
+          max="6"
+          step="1"
+          class="w-full h-2 bg-gray-200 rounded-lg appearance-none cursor-pointer"
+          @input="(e) => updateStress({ revenueDelay: Number(e.target.value) })"
+        />
+      </div>
+
+      <div>
+        <label class="text-sm font-medium text-gray-700 mb-2 block">
+          Cost Shock: +{{ stress.costShockPct }}%
+        </label>
+        <input
+          type="range"
+          :value="stress.costShockPct"
+          min="0"
+          max="30"
+          step="5"
+          class="w-full h-2 bg-gray-200 rounded-lg appearance-none cursor-pointer"
+          @input="(e) => updateStress({ costShockPct: Number(e.target.value) })"
+        />
+      </div>
+
+      <div>
+        <UCheckbox
+          :model-value="stress.grantLost"
+          label="Major Grant Lost"
+          @update:model-value="(val) => updateStress({ grantLost: val })"
+        />
+      </div>
+
+      <div v-if="isStressActive" class="p-3 bg-orange-50 border border-orange-200 rounded">
+        <div class="text-sm">
+          <div class="flex items-center gap-2 text-orange-800 mb-1">
+            <UIcon name="i-heroicons-exclamation-triangle" class="w-4 h-4" />
+            <span class="font-medium">Stress Test Active</span>
+          </div>
+          <div class="text-orange-700">
+            Projected runway: <span class="font-semibold">{{ displayStressedRunway }}</span>
+            <span v-if="runwayChange !== 0" class="ml-2">
+              ({{ runwayChange > 0 ? '+' : '' }}{{ runwayChange }} months)
+            </span>
+          </div>
+        </div>
+      </div>
+    </div>
+  </UCard>
+</template>
+
+<script setup lang="ts">
+const { stress, updateStress, runwayMonths } = useCoopBuilder()
+
+const isStressActive = computed(() => 
+  stress.value.revenueDelay > 0 || 
+  stress.value.costShockPct > 0 || 
+  stress.value.grantLost
+)
+
+const stressedRunway = computed(() => runwayMonths(undefined, { useStress: true }))
+const normalRunway = computed(() => runwayMonths())
+
+const displayStressedRunway = computed(() => {
+  const months = stressedRunway.value
+  if (!isFinite(months)) return '∞'
+  if (months < 1) return '<1 month'
+  return `${Math.round(months)} months`
+})
+
+const runwayChange = computed(() => {
+  const normal = normalRunway.value
+  const stressed = stressedRunway.value
+  
+  if (!isFinite(normal) && !isFinite(stressed)) return 0
+  if (!isFinite(normal)) return -99 // Very large negative change
+  if (!isFinite(stressed)) return 0
+  
+  return Math.round(stressed - normal)
+})
+</script>

components/dashboard/AdvancedAccordion.vue

@@ -0,0 +1,186 @@
+<template>
+  <div class="hidden" data-ui="advanced_accordion_v1" />
+  <UAccordion :items="accordionItems" :multiple="false" class="shadow-sm rounded-xl">
+    <template #advanced>
+      <div class="grid grid-cols-1 lg:grid-cols-3 gap-6">
+        
+        <!-- Scenarios Panel -->
+        <div class="space-y-6">
+          <h4 class="font-semibold">Scenarios</h4>
+          <USelect
+            v-model="scenario"
+            :options="scenarioOptions"
+            placeholder="Select scenario"
+          />
+        </div>
+
+        <!-- Stress Test Panel -->
+        <div class="space-y-6">
+          <h4 class="font-semibold">Stress Test</h4>
+          <div class="space-y-2">
+            <div>
+              <label class="text-xs text-gray-600">Revenue Delay (months)</label>
+              <URange
+                v-model="stress.revenueDelay"
+                :min="0"
+                :max="6"
+                :step="1"
+                class="mt-1"
+              />
+              <div class="text-xs text-gray-500">{{ stress.revenueDelay }} months</div>
+            </div>
+            <div>
+              <label class="text-xs text-gray-600">Cost Shock (%)</label>
+              <URange
+                v-model="stress.costShockPct"
+                :min="0"
+                :max="30"
+                :step="1"
+                class="mt-1"
+              />
+              <div class="text-xs text-gray-500">{{ stress.costShockPct }}%</div>
+            </div>
+            <UCheckbox
+              v-model="stress.grantLost"
+              label="Grant lost"
+            />
+            <div class="text-sm text-gray-600 pt-2 border-t">
+              Projected runway: {{ projectedRunway }}
+            </div>
+          </div>
+        </div>
+
+        <!-- Milestones Panel -->
+        <div class="space-y-6">
+          <div class="flex items-center justify-between">
+            <h4 class="font-semibold">Milestones</h4>
+            <UButton
+              size="xs"
+              variant="outline"
+              @click="showMilestoneModal = true"
+            >
+              + Add
+            </UButton>
+          </div>
+          <div class="space-y-2">
+            <div
+              v-for="milestone in milestoneStatus()"
+              :key="milestone.id"
+              class="flex items-center justify-between text-sm"
+            >
+              <div class="flex items-center gap-2">
+                <span>{{ milestone.willReach ? '✅' : '⚠️' }}</span>
+                <span>{{ milestone.label }}</span>
+              </div>
+              <span class="text-xs text-gray-600">{{ formatDate(milestone.date) }}</span>
+            </div>
+            <div v-if="milestones.length === 0" class="text-sm text-gray-600 italic">
+              No milestones yet
+            </div>
+          </div>
+        </div>
+
+      </div>
+    </template>
+  </UAccordion>
+
+  <!-- Milestone Modal -->
+  <UModal v-model="showMilestoneModal">
+    <UCard>
+      <template #header>
+        <h3 class="text-lg font-medium">Add Milestone</h3>
+      </template>
+      
+      <div class="space-y-4">
+        <UFormGroup label="Label">
+          <UInput v-model="newMilestone.label" placeholder="e.g. Product launch" />
+        </UFormGroup>
+        <UFormGroup label="Date">
+          <UInput v-model="newMilestone.date" type="date" />
+        </UFormGroup>
+      </div>
+
+      <template #footer>
+        <div class="flex justify-end gap-2">
+          <UButton variant="ghost" @click="showMilestoneModal = false">
+            Cancel
+          </UButton>
+          <UButton @click="addNewMilestone" :disabled="!newMilestone.label || !newMilestone.date">
+            Add Milestone
+          </UButton>
+        </div>
+      </template>
+    </UCard>
+  </UModal>
+</template>
+
+<script setup lang="ts">
+const { 
+  scenario, 
+  setScenario, 
+  stress, 
+  updateStress, 
+  milestones, 
+  milestoneStatus, 
+  addMilestone, 
+  runwayMonths 
+} = useCoopBuilder()
+
+// Accordion setup
+const accordionItems = [{
+  label: 'Advanced Planning',
+  icon: 'i-heroicons-wrench-screwdriver',
+  slot: 'advanced',
+  defaultOpen: false
+}]
+
+// Scenarios
+const scenarioOptions = [
+  { label: 'Current', value: 'current' },
+  { label: 'Quit Day Jobs', value: 'quit-jobs' },
+  { label: 'Start Production', value: 'start-production' },
+  { label: 'Custom', value: 'custom' }
+]
+
+// Stress test with live preview
+const projectedRunway = computed(() => {
+  const months = runwayMonths(undefined, { useStress: true })
+  if (!isFinite(months)) return '∞'
+  if (months < 1) return '<1m'
+  return `${Math.round(months)}m`
+})
+
+// Milestones modal
+const showMilestoneModal = ref(false)
+const newMilestone = reactive({
+  label: '',
+  date: ''
+})
+
+function addNewMilestone() {
+  if (!newMilestone.label || !newMilestone.date) return
+  
+  addMilestone(newMilestone.label, newMilestone.date)
+  newMilestone.label = ''
+  newMilestone.date = ''
+  showMilestoneModal.value = false
+}
+
+function formatDate(dateStr: string): string {
+  return new Date(dateStr).toLocaleDateString('en-US', { 
+    month: 'short', 
+    day: 'numeric',
+    year: 'numeric'
+  })
+}
+
+// Watch scenario changes
+watch(scenario, (newValue) => {
+  setScenario(newValue)
+})
+
+// Watch stress changes
+watch(stress, (newValue) => {
+  updateStress(newValue)
+}, { deep: true })
+</script>

components/dashboard/DashboardCoreMetrics.vue

@@ -0,0 +1,15 @@
+<template>
+  <div class="hidden" data-ui="dashboard_core_metrics_v1" />
+  <div class="grid gap-4 sm:grid-cols-2 lg:grid-cols-3">
+    <RunwayCard />
+    <NeedsCoverageCard />
+    <RevenueMixCard />
+  </div>
+</template>
+
+<script setup lang="ts">
+// Import child components explicitly
+import RunwayCard from './RunwayCard.vue'
+import NeedsCoverageCard from './NeedsCoverageCard.vue'
+import RevenueMixCard from './RevenueMixCard.vue'
+</script>

components/dashboard/MemberCoveragePanel.vue

@@ -0,0 +1,56 @@
+<template>
+  <div class="hidden" data-ui="member_coverage_panel_v1" />
+  <UCard class="shadow-sm rounded-xl">
+    <template #header>
+      <h3 class="font-semibold">Member needs coverage</h3>
+    </template>
+    
+    <div class="space-y-6">
+      <div 
+        v-for="member in allocatedMembers" 
+        :key="member.id"
+        class="flex items-center gap-4"
+      >
+        <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)}%` }"
+            />
+          </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.
+      </div>
+    </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 ✓' : '' }}
+      </div>
+    </template>
+  </UCard>
+</template>
+
+<script setup lang="ts">
+const { allocatePayroll, coverage, teamCoverageStats } = useCoopBuilder()
+
+const allocatedMembers = computed(() => allocatePayroll())
+const stats = computed(() => teamCoverageStats())
+const allCovered = computed(() => stats.value.under100 === 0)
+
+function getBarColor(pct: number): string {
+  if (pct >= 100) return 'bg-green-500'
+  if (pct >= 80) return 'bg-amber-500'
+  return 'bg-red-500'
+}
+</script>

components/dashboard/NeedsCoverageCard.vue

@@ -0,0 +1,37 @@
+<template>
+  <div class="hidden" data-ui="needs_coverage_card_v1" />
+  <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>
+    </template>
+    
+    <div class="text-center space-y-6">
+      <div class="text-2xl font-semibold" :class="statusColor">
+        {{ pctCovered }}%
+      </div>
+      <div class="text-sm text-gray-600">
+        Median {{ median }}%
+      </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>
+      </div>
+    </div>
+  </UCard>
+</template>
+
+<script setup lang="ts">
+const { members, teamCoverageStats } = useCoopBuilder()
+const stats = computed(() => teamCoverageStats())
+const pctCovered = computed(() => Math.round(stats.value.over100Pct || 0))
+const median = computed(() => Math.round(stats.value.median ?? 0))
+
+const statusColor = computed(() => {
+  if (pctCovered.value >= 100) return 'text-green-600'
+  if (pctCovered.value >= 80) return 'text-amber-600'
+  return 'text-red-600'
+})
+</script>

components/dashboard/RevenueMixCard.vue

@@ -0,0 +1,56 @@
+<template>
+  <div class="hidden" data-ui="revenue_mix_card_v1" />
+  <UCard class="min-h-[140px] shadow-sm rounded-xl">
+    <template #header>
+      <div class="flex items-center gap-2">
+        <UIcon name="i-heroicons-chart-pie" class="h-5 w-5" />
+        <h3 class="font-semibold">Revenue Mix</h3>
+      </div>
+    </template>
+    
+    <div class="space-y-6">
+      <div v-if="mix.length === 0" class="text-sm text-gray-600 text-center py-8">
+        Add revenue streams to see mix.
+      </div>
+      
+      <div v-else>
+        <!-- Revenue bars -->
+        <div v-for="s in mix.slice(0, 3)" :key="s.label" class="mb-2">
+          <div class="flex justify-between text-xs">
+            <span class="truncate">{{ s.label }}</span>
+            <span>{{ Math.round(s.pct * 100) }}%</span>
+          </div>
+          <div class="h-2 bg-gray-200 rounded">
+            <div 
+              class="h-2 rounded" 
+              :class="getBarColor(mix.indexOf(s))"
+              :style="{ width: (s.pct * 100) + '%' }"
+            />
+          </div>
+        </div>
+
+        <!-- Subtext with concentration warning -->
+        <div class="text-sm text-gray-600 text-center">
+          Top stream {{ Math.round(topPct * 100) }}%
+          <span v-if="topPct > 0.5" class="text-amber-600">⚠</span>
+        </div>
+      </div>
+    </div>
+  </UCard>
+</template>
+
+<script setup lang="ts">
+const { revenueMix, concentrationPct } = useCoopBuilder()
+
+const mix = computed(() => revenueMix())
+const topPct = computed(() => concentrationPct())
+
+function getBarColor(index: number): string {
+  const colors = [
+    'bg-blue-500',
+    'bg-green-500', 
+    'bg-amber-500'
+  ]
+  return colors[index % colors.length]
+}
+</script>

components/dashboard/RunwayCard.vue

@@ -0,0 +1,62 @@
+<template>
+  <div class="hidden" data-ui="runway_card_v1" />
+  <UCard class="min-h-[140px] shadow-sm rounded-xl" :class="borderColor">
+    <template #header>
+      <div class="flex items-center justify-between">
+        <div class="flex items-center gap-2">
+          <div class="w-2 h-2 rounded-full" :class="statusDotColor" />
+          <h3 class="font-semibold">Runway</h3>
+        </div>
+        <UBadge 
+          :color="operatingMode === 'target' ? 'blue' : 'gray'" 
+          size="xs"
+        >
+          {{ operatingMode === 'target' ? 'Target Mode' : 'Min Mode' }}
+        </UBadge>
+      </div>
+    </template>
+    
+    <div class="text-center space-y-6">
+      <div class="text-2xl font-semibold" :class="statusColor">
+        {{ displayRunway }}
+      </div>
+      <div class="text-sm text-gray-600">
+        at current spending
+      </div>
+    </div>
+  </UCard>
+</template>
+
+<script setup lang="ts">
+const { runwayMonths, operatingMode } = useCoopBuilder()
+
+const runway = computed(() => runwayMonths())
+
+const displayRunway = computed(() => {
+  const months = runway.value
+  if (!isFinite(months)) return '∞'
+  if (months < 1) return '<1 month'
+  return `${Math.round(months)} months`
+})
+
+const statusColor = computed(() => {
+  const months = runway.value
+  if (!isFinite(months) || months >= 6) return 'text-green-600'
+  if (months >= 3) return 'text-amber-600'
+  return 'text-red-600'
+})
+
+const statusDotColor = computed(() => {
+  const months = runway.value
+  if (!isFinite(months) || months >= 6) return 'bg-green-500'
+  if (months >= 3) return 'bg-amber-500'
+  return 'bg-red-500'
+})
+
+const borderColor = computed(() => {
+  const months = runway.value
+  if (!isFinite(months) || months >= 6) return 'ring-1 ring-green-200'
+  if (months >= 3) return 'ring-1 ring-amber-200'
+  return 'ring-1 ring-red-200'
+})
+</script>

components/shared/CoverageBar.vue

@@ -0,0 +1,41 @@
+<template>
+  <div class="flex items-center gap-2">
+    <div class="flex-1 h-3 bg-gray-200 rounded-full overflow-hidden">
+      <div
+        class="h-full rounded-full transition-all duration-300"
+        :class="barColor"
+        :style="{ width: `${Math.min(100, displayPct)}%` }"
+      />
+    </div>
+    <span class="text-sm font-medium min-w-[3rem] text-right" :class="textColor">
+      {{ Math.round(valuePct) }}%
+    </span>
+  </div>
+</template>
+
+<script setup lang="ts">
+interface Props {
+  valuePct: number
+  targetPct?: number
+}
+
+const props = withDefaults(defineProps<Props>(), {
+  targetPct: 100
+})
+
+// Display percentage (cap at 200% for visual purposes)
+const displayPct = computed(() => Math.min(200, props.valuePct))
+
+// Color based on coverage thresholds
+const barColor = computed(() => {
+  if (props.valuePct >= 100) return 'bg-green-500'
+  if (props.valuePct >= 80) return 'bg-amber-500'  
+  return 'bg-red-500'
+})
+
+const textColor = computed(() => {
+  if (props.valuePct >= 100) return 'text-green-600'
+  if (props.valuePct >= 80) return 'text-amber-600'
+  return 'text-red-600'
+})
+</script>

components/shared/OperatingModeToggle.vue

@@ -0,0 +1,36 @@
+<template>
+  <div class="flex items-center gap-2">
+    <span class="text-sm text-gray-600">Mode:</span>
+    <UButtonGroup>
+      <UButton
+        :variant="modelValue === 'minimum' ? 'solid' : 'ghost'"
+        color="gray"
+        size="xs"
+        @click="$emit('update:modelValue', 'minimum')"
+      >
+        Min Mode
+      </UButton>
+      <UButton
+        :variant="modelValue === 'target' ? 'solid' : 'ghost'" 
+        color="primary"
+        size="xs"
+        @click="$emit('update:modelValue', 'target')"
+      >
+        Target Mode
+      </UButton>
+    </UButtonGroup>
+  </div>
+</template>
+
+<script setup lang="ts">
+interface Props {
+  modelValue: 'minimum' | 'target'
+}
+
+interface Emits {
+  (e: 'update:modelValue', value: 'minimum' | 'target'): void
+}
+
+defineProps<Props>()
+defineEmits<Emits>()
+</script>

composables/useCoopBuilder.ts

@@ -0,0 +1,364 @@
+import { allocatePayroll as allocatePayrollImpl, monthlyPayroll, type Member, type PayPolicy } from '~/types/members'
+
+export function useCoopBuilder() {
+  // Use the centralized Pinia store
+  const store = useCoopBuilderStore()
+  
+  // Initialize store (but don't auto-load demo data)
+  onMounted(() => {
+    // Give the persistence plugin time to hydrate
+    nextTick(() => {
+      // Just ensure store is initialized but don't load demo data
+      // store.initializeDefaults() is disabled to prevent auto demo data
+    })
+  })
+
+  // Core computed values with error handling
+  const members = computed(() => {
+    try {
+      return store.members || []
+    } catch (e) {
+      console.warn('Error accessing members:', e)
+      return []
+    }
+  })
+  
+  const streams = computed(() => {
+    try {
+      return store.streams || []
+    } catch (e) {
+      console.warn('Error accessing streams:', e)
+      return []
+    }
+  })
+  
+  const policy = computed(() => {
+    try {
+      return store.policy || { relationship: 'equal-pay', roleBands: {} }
+    } catch (e) {
+      console.warn('Error accessing policy:', e)
+      return { relationship: 'equal-pay', roleBands: {} }
+    }
+  })
+  
+  const operatingMode = computed({
+    get: () => {
+      try {
+        return store.operatingMode || 'min'
+      } catch (e) {
+        console.warn('Error accessing operating mode:', e)
+        return 'min' as 'min' | 'target'
+      }
+    },
+    set: (value: 'min' | 'target') => {
+      try {
+        store.setOperatingMode(value)
+      } catch (e) {
+        console.warn('Error setting operating mode:', e)
+      }
+    }
+  })
+  
+  const scenario = computed({
+    get: () => store.scenario,
+    set: (value) => store.setScenario(value)
+  })
+  
+  const stress = computed({
+    get: () => store.stress,
+    set: (value) => store.updateStress(value)
+  })
+  
+  const milestones = computed(() => store.milestones)
+
+  // Helper: Get scenario-transformed data
+  function getScenarioData() {
+    const baseMembers = [...members.value]
+    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,
+          streams: baseStreams.map(s => {
+            // Reduce service revenue by 30%
+            if (s.category?.toLowerCase().includes('service') || s.label.toLowerCase().includes('service')) {
+              return { ...s, monthly: (s.monthly || 0) * 0.7 }
+            }
+            return s
+          })
+        }
+      
+      default:
+        return { members: baseMembers, streams: baseStreams }
+    }
+  }
+
+  // Helper: Apply stress test to scenario data
+  function getStressedData(baseData?: { members: Member[]; streams: any[] }) {
+    const data = baseData || getScenarioData()
+    const { revenueDelay, costShockPct, grantLost } = stress.value
+    
+    if (revenueDelay === 0 && costShockPct === 0 && !grantLost) {
+      return data
+    }
+
+    let adjustedStreams = [...data.streams]
+
+    // Apply revenue delay (reduce revenue by delay percentage)
+    if (revenueDelay > 0) {
+      adjustedStreams = adjustedStreams.map(s => ({
+        ...s,
+        monthly: (s.monthly || 0) * Math.max(0, 1 - (revenueDelay / 12))
+      }))
+    }
+
+    // Grant lost - remove largest grant
+    if (grantLost) {
+      const grantStreams = adjustedStreams.filter(s => 
+        s.category?.toLowerCase().includes('grant') || 
+        s.label.toLowerCase().includes('grant')
+      )
+      if (grantStreams.length > 0) {
+        const largestGrant = grantStreams.reduce((prev, current) => 
+          (prev.monthly || 0) > (current.monthly || 0) ? prev : current
+        )
+        adjustedStreams = adjustedStreams.map(s => 
+          s.id === largestGrant.id ? { ...s, monthly: 0 } : s
+        )
+      }
+    }
+
+    return {
+      members: data.members,
+      streams: adjustedStreams
+    }
+  }
+
+  // Payroll allocation
+  function allocatePayroll() {
+    const { members: scenarioMembers } = getScenarioData()
+    const payPolicy = policy.value
+    const totalRevenue = streams.value.reduce((sum, s) => sum + (s.monthly || 0), 0)
+    const overheadCosts = store.overheadCosts.reduce((sum, c) => sum + (c.amount || 0), 0)
+    const availableForPayroll = Math.max(0, totalRevenue - overheadCosts)
+    
+    return allocatePayrollImpl(scenarioMembers, payPolicy as PayPolicy, availableForPayroll)
+  }
+
+  // Coverage calculation for a single member
+  function coverage(member: Member): { minPct: number; targetPct: number } {
+    const totalIncome = (member.monthlyPayPlanned || 0) + (member.externalMonthlyIncome || 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)
+      : 100
+
+    return { minPct, targetPct }
+  }
+
+  // Team coverage statistics
+  function teamCoverageStats() {
+    try {
+      const allocatedMembers = allocatePayroll() || []
+      const coverages = allocatedMembers.map(m => coverage(m).minPct).filter(c => !isNaN(c))
+      
+      if (coverages.length === 0) {
+        return { median: 0, under100: 0, over100Pct: 0, gini: 0 }
+      }
+      
+      const sorted = [...coverages].sort((a, b) => a - b)
+      const median = sorted[Math.floor(sorted.length / 2)] || 0
+      const under100 = coverages.filter(c => c < 100).length
+      const over100Pct = coverages.length > 0 
+        ? Math.round(((coverages.length - under100) / coverages.length) * 100)
+        : 0
+
+      // Simple Gini coefficient approximation
+      const mean = coverages.reduce((sum, c) => sum + c, 0) / coverages.length
+      const gini = coverages.length > 1 && mean > 0
+        ? coverages.reduce((sum, c) => sum + Math.abs(c - mean), 0) / (2 * coverages.length * mean)
+        : 0
+
+      return { median, under100, over100Pct, gini }
+    } catch (e) {
+      console.warn('Error calculating team coverage stats:', e)
+      return { median: 0, under100: 0, over100Pct: 0, gini: 0 }
+    }
+  }
+
+  // Revenue mix
+  function revenueMix() {
+    try {
+      const { streams: scenarioStreams } = getStressedData() || { streams: [] }
+      const validStreams = scenarioStreams.filter(s => s && typeof s === 'object')
+      const total = validStreams.reduce((sum, s) => sum + (s.monthly || 0), 0)
+      
+      return validStreams
+        .filter(s => (s.monthly || 0) > 0)
+        .map(s => ({
+          label: s.label || 'Unnamed Stream',
+          monthly: s.monthly || 0,
+          pct: total > 0 ? (s.monthly || 0) / total : 0
+        }))
+        .sort((a, b) => b.monthly - a.monthly)
+    } catch (e) {
+      console.warn('Error calculating revenue mix:', e)
+      return []
+    }
+  }
+
+  // Concentration percentage (highest stream)
+  function concentrationPct(): number {
+    try {
+      const mix = revenueMix()
+      return mix.length > 0 ? (mix[0].pct || 0) : 0
+    } catch (e) {
+      console.warn('Error calculating concentration:', e)
+      return 0
+    }
+  }
+
+  // Runway calculation  
+  function runwayMonths(mode?: 'min' | 'target', opts?: { useStress?: boolean }): number {
+    try {
+      const inputMode = mode || operatingMode.value
+      // Map to internal store format for compatibility
+      const currentMode = inputMode === 'min' ? 'minimum' : inputMode === 'target' ? 'target' : 'minimum'
+      const { members: scenarioMembers, streams: scenarioStreams } = opts?.useStress 
+        ? getStressedData() 
+        : getScenarioData()
+
+      // Calculate monthly payroll
+      const payrollCost = monthlyPayroll(scenarioMembers || [], currentMode) || 0
+      const oncostPct = store.payrollOncostPct || 0
+      const totalPayroll = payrollCost * (1 + Math.max(0, oncostPct) / 100)
+
+      // Calculate revenue and costs  
+      const totalRevenue = (scenarioStreams || []).reduce((sum, s) => sum + (s.monthly || 0), 0)
+      const overheadCost = (store.overheadCosts || []).reduce((sum, cost) => sum + (cost.amount || 0), 0)
+      
+      // Apply cost shock if in stress mode
+      const adjustedOverhead = opts?.useStress && stress.value.costShockPct > 0
+        ? overheadCost * (1 + Math.max(0, stress.value.costShockPct) / 100)
+        : overheadCost
+
+      // Monthly net and burn
+      const monthlyNet = totalRevenue - totalPayroll - adjustedOverhead
+      const monthlyBurn = totalPayroll + adjustedOverhead
+
+      // Cash reserves with safe defaults
+      const cash = Math.max(0, store.currentCash || 50000)
+      const savings = Math.max(0, store.currentSavings || 15000)
+      const totalLiquid = cash + savings
+
+      // Runway calculation
+      if (monthlyNet >= 0) {
+        return Infinity // Sustainable
+      }
+      
+      return monthlyBurn > 0 ? totalLiquid / monthlyBurn : 0
+    } catch (e) {
+      console.warn('Error calculating runway:', e)
+      return 0
+    }
+  }
+
+  // Milestone status
+  function milestoneStatus(mode?: 'min' | 'target') {
+    const currentMode = mode || operatingMode.value
+    const runway = runwayMonths(currentMode)
+    const runwayEndDate = new Date()
+    runwayEndDate.setMonth(runwayEndDate.getMonth() + Math.floor(runway))
+
+    return milestones.value.map(milestone => ({
+      ...milestone,
+      willReach: new Date(milestone.date) <= runwayEndDate
+    }))
+  }
+
+  // Actions
+  function setOperatingMode(mode: 'min' | 'target') {
+    store.setOperatingMode(mode)
+  }
+
+  function setScenario(newScenario: 'current' | 'quit-jobs' | 'start-production' | 'custom') {
+    store.setScenario(newScenario)
+  }
+
+  function updateStress(newStress: Partial<typeof stress.value>) {
+    store.updateStress(newStress)
+  }
+
+  function addMilestone(label: string, date: string) {
+    store.addMilestone(label, date)
+  }
+
+  function removeMilestone(id: string) {
+    store.removeMilestone(id)
+  }
+  
+  // Testing helpers
+  function clearAll() {
+    store.clearAll()
+  }
+  
+  function loadDefaults() {
+    store.loadDefaultData()
+  }
+
+  // Reset helper function
+  function reset() {
+    store.clearAll()
+    store.loadDefaultData()
+  }
+
+  return {
+    // State
+    members,
+    streams,  
+    policy,
+    operatingMode,
+    scenario,
+    stress,
+    milestones,
+
+    // Computed
+    allocatePayroll,
+    coverage,
+    teamCoverageStats,
+    revenueMix,
+    concentrationPct,
+    runwayMonths,
+    milestoneStatus,
+
+    // Actions
+    setOperatingMode,
+    setScenario,
+    updateStress,
+    addMilestone,
+    removeMilestone,
+    upsertMember: (member: any) => store.upsertMember(member),
+    removeMember: (id: string) => store.removeMember(id),
+    upsertStream: (stream: any) => store.upsertStream(stream),
+    removeStream: (id: string) => store.removeStream(id),
+    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),
+    
+    // Testing helpers
+    clearAll,
+    loadDefaults,
+    reset
+  }
+}

composables/useCushionForecast.ts

@@ -0,0 +1,92 @@
+import { monthlyPayroll } from '~/types/members'
+
+export function useCushionForecast() {
+  const cashStore = useCashStore()
+  const membersStore = useMembersStore()
+  const policiesStore = usePoliciesStore()
+  const budgetStore = useBudgetStore()
+  
+  // Savings progress calculation
+  const savingsProgress = computed(() => {
+    const current = cashStore.currentSavings || 0
+    const targetMonths = policiesStore.savingsTargetMonths || 3
+    const monthlyBurn = getMonthlyBurn()
+    const target = targetMonths * monthlyBurn
+    
+    return {
+      current,
+      target,
+      targetMonths,
+      progressPct: target > 0 ? Math.min(100, (current / target) * 100) : 0,
+      gap: Math.max(0, target - current),
+      status: getProgressStatus(current, target)
+    }
+  })
+  
+  // 13-week cushion breach forecast
+  const cushionForecast = computed(() => {
+    const minCushion = policiesStore.minCashCushionAmount || 5000
+    const currentBalance = cashStore.currentCash || 0
+    const monthlyBurn = getMonthlyBurn()
+    const weeklyBurn = monthlyBurn / 4.33 // Convert monthly to weekly
+    
+    const weeks = []
+    let runningBalance = currentBalance
+    
+    for (let week = 1; week <= 13; week++) {
+      // Simple projection: subtract weekly burn
+      runningBalance -= weeklyBurn
+      
+      const breachesCushion = runningBalance < minCushion
+      
+      weeks.push({
+        week,
+        balance: runningBalance,
+        breachesCushion,
+        cushionAmount: minCushion
+      })
+    }
+    
+    const firstBreachWeek = weeks.find(w => w.breachesCushion)?.week
+    const breachesWithin13Weeks = Boolean(firstBreachWeek)
+    
+    return {
+      weeks,
+      firstBreachWeek,
+      breachesWithin13Weeks,
+      minCushion,
+      weeksUntilBreach: firstBreachWeek || null
+    }
+  })
+  
+  function getMonthlyBurn() {
+    const operatingMode = policiesStore.operatingMode || 'minimum'
+    const payrollCost = monthlyPayroll(membersStore.members, operatingMode)
+    const oncostPct = policiesStore.payrollOncostPct || 0
+    const totalPayroll = payrollCost * (1 + oncostPct / 100)
+    const overheadCost = budgetStore.overheadCosts.reduce((sum, cost) => sum + (cost.amount || 0), 0)
+    
+    return totalPayroll + overheadCost
+  }
+  
+  function getProgressStatus(current: number, target: number): 'green' | 'yellow' | 'red' {
+    if (target === 0) return 'green'
+    const pct = (current / target) * 100
+    if (pct >= 80) return 'green'
+    if (pct >= 50) return 'yellow'
+    return 'red'
+  }
+  
+  // Alert conditions (matching CLAUDE.md)
+  const alerts = computed(() => ({
+    savingsBelowTarget: savingsProgress.value.current < savingsProgress.value.target,
+    cushionBreach: cushionForecast.value.breachesWithin13Weeks,
+  }))
+  
+  return {
+    savingsProgress,
+    cushionForecast,
+    alerts,
+    getMonthlyBurn
+  }
+}

composables/useFixtureIO.ts

@@ -33,10 +33,13 @@ export function useFixtureIO() {
         payrollOncostPct: policies.payrollOncostPct,
         savingsTargetMonths: policies.savingsTargetMonths,
         minCashCushionAmount: policies.minCashCushionAmount,
+        operatingMode: policies.operatingMode,
+        payPolicy: policies.payPolicy,
         deferredCapHoursPerQtr: policies.deferredCapHoursPerQtr,
         deferredSunsetMonths: policies.deferredSunsetMonths,
         surplusOrder: policies.surplusOrder,
-        paymentPriority: policies.paymentPriority
+        paymentPriority: policies.paymentPriority,
+        volunteerScope: policies.volunteerScope
       },
       streams: streams.streams,
       budget: {
@@ -66,9 +69,65 @@ export function useFixtureIO() {
   }
 
   const importAll = (snapshot: AppSnapshot) => {
-    // TODO: Implement import functionality for all stores
+    const members = useMembersStore()
-    // This will patch each store with the snapshot data
+    const policies = usePoliciesStore()
-    console.log('Import functionality to be implemented', snapshot)
+    const streams = useStreamsStore()
+    const budget = useBudgetStore()
+    const scenarios = useScenariosStore()
+    const cash = useCashStore()
+    const session = useSessionStore()
+
+    try {
+      // Import members
+      if (snapshot.members && Array.isArray(snapshot.members)) {
+        members.$patch({ members: snapshot.members })
+      }
+
+      // Import policies
+      if (snapshot.policies) {
+        policies.$patch(snapshot.policies)
+      }
+
+      // Import streams
+      if (snapshot.streams && Array.isArray(snapshot.streams)) {
+        streams.$patch({ streams: snapshot.streams })
+      }
+
+      // Import budget
+      if (snapshot.budget) {
+        budget.$patch(snapshot.budget)
+      }
+
+      // Import scenarios
+      if (snapshot.scenarios) {
+        scenarios.$patch(snapshot.scenarios)
+      }
+
+      // Import cash
+      if (snapshot.cash) {
+        cash.updateCurrentBalances(
+          snapshot.cash.currentCash || 0,
+          snapshot.cash.currentSavings || 0
+        )
+        // Handle cash events and payment queue if present
+        if (snapshot.cash.cashEvents) {
+          cash.$patch({ cashEvents: snapshot.cash.cashEvents })
+        }
+        if (snapshot.cash.paymentQueue) {
+          cash.$patch({ paymentQueue: snapshot.cash.paymentQueue })
+        }
+      }
+
+      // Import session
+      if (snapshot.session) {
+        session.$patch(snapshot.session)
+      }
+
+      console.log('Successfully imported data snapshot')
+    } catch (error) {
+      console.error('Failed to import snapshot:', error)
+      throw error
+    }
   }
 
   return { exportAll, importAll }

composables/useFixtures.ts

@@ -1,238 +1,73 @@
 /**
- * Composable for loading and managing fixture data
+ * DISABLED: All fixture data removed to prevent automatic demo data
- * Provides centralized access to demo data for all screens
+ * This composable previously loaded sample data but is now empty
  */
 export const useFixtures = () => {
-  // Load fixture data (in real app, this would come from API or stores)
+  // All sample data functions now return empty data
   const loadMembers = async () => {
-    // In production, this would fetch from content/fixtures/members.json
-    // For now, return inline data that matches the fixture structure
     return {
-      members: [
+      members: []
-        {
-          id: 'member-1',
-          displayName: 'Alex Chen',
-          roleFocus: 'Technical Lead',
-          payRelationship: 'Hybrid',
-          capacity: { minHours: 20, targetHours: 120, maxHours: 160 },
-          riskBand: 'Medium',
-          externalCoveragePct: 60,
-          privacyNeeds: 'aggregate_ok',
-          deferredHours: 85,
-          quarterlyDeferredCap: 240
-        },
-        {
-          id: 'member-2',
-          displayName: 'Jordan Silva',
-          roleFocus: 'Design & UX',
-          payRelationship: 'FullyPaid',
-          capacity: { minHours: 30, targetHours: 140, maxHours: 180 },
-          riskBand: 'Low',
-          externalCoveragePct: 20,
-          privacyNeeds: 'aggregate_ok',
-          deferredHours: 0,
-          quarterlyDeferredCap: 240
-        },
-        {
-          id: 'member-3',
-          displayName: 'Sam Rodriguez',
-          roleFocus: 'Operations & Growth',
-          payRelationship: 'Supplemental',
-          capacity: { minHours: 10, targetHours: 60, maxHours: 100 },
-          riskBand: 'High',
-          externalCoveragePct: 85,
-          privacyNeeds: 'steward_only',
-          deferredHours: 32,
-          quarterlyDeferredCap: 120
-        }
-      ]
     }
   }
   
   const loadStreams = async () => {
     return {
-      revenueStreams: [
+      revenueStreams: []
-        {
-          id: 'stream-1',
-          name: 'Client Services',
-          category: 'Services',
-          subcategory: 'Development',
-          targetPct: 65,
-          targetMonthlyAmount: 13000,
-          certainty: 'Committed',
-          payoutDelayDays: 30,
-          terms: 'Net 30',
-          revenueSharePct: 0,
-          platformFeePct: 0,
-          restrictions: 'General',
-          effortHoursPerMonth: 180
-        },
-        {
-          id: 'stream-2',
-          name: 'Platform Sales',
-          category: 'Product',
-          subcategory: 'Digital Tools',
-          targetPct: 20,
-          targetMonthlyAmount: 4000,
-          certainty: 'Probable',
-          payoutDelayDays: 14,
-          terms: 'Platform payout',
-          revenueSharePct: 0,
-          platformFeePct: 5,
-          restrictions: 'General',
-          effortHoursPerMonth: 40
-        },
-        {
-          id: 'stream-3',
-          name: 'Innovation Grant',
-          category: 'Grant',
-          subcategory: 'Government',
-          targetPct: 10,
-          targetMonthlyAmount: 2000,
-          certainty: 'Committed',
-          payoutDelayDays: 45,
-          terms: 'Quarterly disbursement',
-          revenueSharePct: 0,
-          platformFeePct: 0,
-          restrictions: 'Restricted',
-          effortHoursPerMonth: 8
-        },
-        {
-          id: 'stream-4',
-          name: 'Community Donations',
-          category: 'Donation',
-          subcategory: 'Individual',
-          targetPct: 3,
-          targetMonthlyAmount: 600,
-          certainty: 'Aspirational',
-          payoutDelayDays: 3,
-          terms: 'Immediate',
-          revenueSharePct: 0,
-          platformFeePct: 2.9,
-          restrictions: 'General',
-          effortHoursPerMonth: 5
-        },
-        {
-          id: 'stream-5',
-          name: 'Consulting & Training',
-          category: 'Other',
-          subcategory: 'Professional Services',
-          targetPct: 2,
-          targetMonthlyAmount: 400,
-          certainty: 'Probable',
-          payoutDelayDays: 21,
-          terms: 'Net 21',
-          revenueSharePct: 0,
-          platformFeePct: 0,
-          restrictions: 'General',
-          effortHoursPerMonth: 12
-        }
-      ]
     }
   }
   
   const loadFinances = async () => {
     return {
       currentBalances: {
-        cash: 5000,
+        cash: 0,
-        savings: 8000,
+        savings: 0,
-        totalLiquid: 13000
+        totalLiquid: 0
       },
       policies: {
-        equalHourlyWage: 20,
+        equalHourlyWage: 0,
-        payrollOncostPct: 25,
+        payrollOncostPct: 0,
-        savingsTargetMonths: 3,
+        savingsTargetMonths: 0,
-        minCashCushionAmount: 3000,
+        minCashCushionAmount: 0,
-        deferredCapHoursPerQtr: 240,
+        deferredCapHoursPerQtr: 0,
-        deferredSunsetMonths: 12
+        deferredSunsetMonths: 0
       },
       deferredLiabilities: {
-        totalDeferred: 2340,
+        totalDeferred: 0,
-        byMember: {
+        byMember: {}
-          'member-1': 1700,
-          'member-2': 0,
-          'member-3': 640
-        }
       }
     }
   }
   
   const loadCosts = async () => {
     return {
-      overheadCosts: [
+      overheadCosts: [],
-        {
+      productionCosts: []
-          id: 'overhead-1',
-          name: 'Coworking Space',
-          amount: 0,
-          category: 'Workspace',
-          recurring: true
-        },
-        {
-          id: 'overhead-2',
-          name: 'Tools & Software',
-          amount: 0,
-          category: 'Technology',
-          recurring: true
-        },
-        {
-          id: 'overhead-3',
-          name: 'Business Insurance',
-          amount: 0,
-          category: 'Legal & Compliance',
-          recurring: true
-        }
-      ],
-      productionCosts: [
-        {
-          id: 'production-1',
-          name: 'Development Kits',
-          amount: 0,
-          category: 'Hardware',
-          period: '2024-01'
-        }
-      ]
     }
   }
   
-  // Calculate derived metrics from fixture data
+  // Return empty metrics
   const calculateMetrics = async () => {
-    const [members, streams, finances, costs] = await Promise.all([
-      loadMembers(),
-      loadStreams(),
-      loadFinances(),
-      loadCosts()
-    ])
-    
-    const totalTargetHours = members.members.reduce((sum, member) => 
-      sum + member.capacity.targetHours, 0
-    )
-    
-    const totalTargetRevenue = streams.revenueStreams.reduce((sum, stream) => 
-      sum + stream.targetMonthlyAmount, 0
-    )
-    
-    const totalOverheadCosts = costs.overheadCosts.reduce((sum, cost) => 
-      sum + cost.amount, 0
-    )
-    
-    const monthlyPayroll = totalTargetHours * finances.policies.equalHourlyWage * 
-      (1 + finances.policies.payrollOncostPct / 100)
-    
-    const monthlyBurn = monthlyPayroll + totalOverheadCosts + 
-      costs.productionCosts.reduce((sum, cost) => sum + cost.amount, 0)
-    
-    const runway = finances.currentBalances.totalLiquid / monthlyBurn
-    
     return {
-      totalTargetHours,
+      totalTargetHours: 0,
-      totalTargetRevenue,
+      totalTargetRevenue: 0,
-      monthlyPayroll,
+      monthlyPayroll: 0,
-      monthlyBurn,
+      monthlyBurn: 0,
-      runway,
+      runway: 0,
-      members: members.members,
+      members: [],
-      streams: streams.revenueStreams,
+      streams: [],
-      finances: finances,
+      finances: {
-      costs: costs
+        currentBalances: { cash: 0, savings: 0, totalLiquid: 0 },
+        policies: {
+          equalHourlyWage: 0,
+          payrollOncostPct: 0,
+          savingsTargetMonths: 0,
+          minCashCushionAmount: 0,
+          deferredCapHoursPerQtr: 0,
+          deferredSunsetMonths: 0
+        },
+        deferredLiabilities: { totalDeferred: 0, byMember: {} }
+      },
+      costs: { overheadCosts: [], productionCosts: [] }
     }
   }
   

composables/useMigrations.ts

@@ -0,0 +1,142 @@
+export function useMigrations() {
+  const CURRENT_SCHEMA_VERSION = "1.1"
+  const SCHEMA_KEY = "urgent-tools-schema-version"
+
+  // Get stored schema version
+  function getStoredVersion(): string {
+    if (process.client) {
+      return localStorage.getItem(SCHEMA_KEY) || "1.0"
+    }
+    return "1.0"
+  }
+
+  // Set schema version
+  function setVersion(version: string) {
+    if (process.client) {
+      localStorage.setItem(SCHEMA_KEY, version)
+    }
+  }
+
+  // Migration functions
+  const migrations = {
+    "1.0": () => {
+      // Initial schema - no migration needed
+    },
+    
+    "1.1": () => {
+      // Add new member needs fields
+      const membersData = localStorage.getItem("urgent-tools-members")
+      if (membersData) {
+        try {
+          const parsed = JSON.parse(membersData)
+          if (Array.isArray(parsed.members)) {
+            // Add default values for new fields
+            parsed.members = parsed.members.map((member: any) => ({
+              ...member,
+              minMonthlyNeeds: member.minMonthlyNeeds || 0,
+              targetMonthlyPay: member.targetMonthlyPay || 0,
+              externalMonthlyIncome: member.externalMonthlyIncome || 0,
+              monthlyPayPlanned: member.monthlyPayPlanned || 0,
+            }))
+            localStorage.setItem("urgent-tools-members", JSON.stringify(parsed))
+          }
+        } catch (error) {
+          console.warn("Failed to migrate members data:", error)
+        }
+      }
+
+      // Add new policy fields
+      const policiesData = localStorage.getItem("urgent-tools-policies")
+      if (policiesData) {
+        try {
+          const parsed = JSON.parse(policiesData)
+          parsed.operatingMode = parsed.operatingMode || 'minimum'
+          parsed.payPolicy = parsed.payPolicy || { 
+            relationship: 'equal-pay', 
+            roleBands: [] 
+          }
+          localStorage.setItem("urgent-tools-policies", JSON.stringify(parsed))
+        } catch (error) {
+          console.warn("Failed to migrate policies data:", error)
+        }
+      }
+
+      // DISABLED: No automatic cash balance initialization
+      // The app should start completely empty - no demo data
+      // 
+      // Previously this would auto-initialize cash balances, but this
+      // created unwanted demo data. Users must explicitly set up their data.
+      //
+      // const cashData = localStorage.getItem("urgent-tools-cash")
+      // if (!cashData) {
+      //   localStorage.setItem("urgent-tools-cash", JSON.stringify({
+      //     currentCash: 50000,
+      //     currentSavings: 15000,
+      //     cashEvents: [],
+      //     paymentQueue: []
+      //   }))
+      // }
+    }
+  }
+
+  // Run all necessary migrations
+  function migrate() {
+    if (!process.client) return
+
+    const currentVersion = getStoredVersion()
+    
+    if (currentVersion === CURRENT_SCHEMA_VERSION) {
+      return // Already up to date
+    }
+
+    console.log(`Migrating from schema version ${currentVersion} to ${CURRENT_SCHEMA_VERSION}`)
+
+    // Run migrations in order
+    const versions = Object.keys(migrations).sort()
+    const currentIndex = versions.indexOf(currentVersion)
+    
+    if (currentIndex === -1) {
+      console.warn(`Unknown schema version: ${currentVersion}, running all migrations`)
+      // Run all migrations
+      versions.forEach(version => {
+        try {
+          migrations[version as keyof typeof migrations]()
+          console.log(`Applied migration: ${version}`)
+        } catch (error) {
+          console.error(`Migration ${version} failed:`, error)
+        }
+      })
+    } else {
+      // Run migrations from current version + 1 to latest
+      for (let i = currentIndex + 1; i < versions.length; i++) {
+        const version = versions[i]
+        try {
+          migrations[version as keyof typeof migrations]()
+          console.log(`Applied migration: ${version}`)
+        } catch (error) {
+          console.error(`Migration ${version} failed:`, error)
+        }
+      }
+    }
+
+    // Update stored version
+    setVersion(CURRENT_SCHEMA_VERSION)
+    console.log(`Migration complete. Schema version: ${CURRENT_SCHEMA_VERSION}`)
+  }
+
+  // Check if migration is needed
+  function needsMigration(): boolean {
+    // Don't run migrations if data was intentionally cleared
+    if (process.client && localStorage.getItem('urgent-tools-cleared-flag') === 'true') {
+      return false
+    }
+    return getStoredVersion() !== CURRENT_SCHEMA_VERSION
+  }
+
+  return {
+    migrate,
+    needsMigration,
+    currentVersion: CURRENT_SCHEMA_VERSION,
+    storedVersion: getStoredVersion()
+  }
+}

composables/usePayrollAllocation.ts

@@ -0,0 +1,52 @@
+import { computed } from 'vue'
+import { storeToRefs } from 'pinia'
+import { allocatePayroll } from '~/types/members'
+
+export function usePayrollAllocation() {
+  const membersStore = useMembersStore()
+  const policiesStore = usePoliciesStore()
+  const budgetStore = useBudgetStore()
+  
+  const { members, payPolicy } = storeToRefs(membersStore)
+  const { equalHourlyWage, payrollOncostPct } = storeToRefs(policiesStore)
+  const { capacityTotals } = storeToRefs(membersStore)
+  
+  // Calculate base payroll budget from hours and wage
+  const basePayrollBudget = computed(() => {
+    const totalHours = capacityTotals.value.targetHours || 0
+    const wage = equalHourlyWage.value || 0
+    return totalHours * wage
+  })
+  
+  // Allocate payroll to members based on policy
+  const allocatedMembers = computed(() => {
+    if (members.value.length === 0 || basePayrollBudget.value === 0) {
+      return members.value
+    }
+    
+    return allocatePayroll(
+      members.value,
+      payPolicy.value,
+      basePayrollBudget.value
+    )
+  })
+  
+  // Total payroll with oncosts
+  const totalPayrollWithOncosts = computed(() => {
+    return basePayrollBudget.value * (1 + payrollOncostPct.value / 100)
+  })
+  
+  // Update member planned pay when allocation changes
+  watchEffect(() => {
+    allocatedMembers.value.forEach(member => {
+      membersStore.setPlannedPay(member.id, member.monthlyPayPlanned || 0)
+    })
+  })
+  
+  return {
+    basePayrollBudget,
+    allocatedMembers,
+    totalPayrollWithOncosts,
+    payPolicy
+  }
+}

composables/useRunway.ts

@@ -1,13 +1,49 @@
+import { monthlyPayroll } from '~/types/members'
+
 /**
  * Computes months of runway from cash, reserves, and burn rate
  * Formula: (cash + savings) ÷ average monthly burn in scenario
  */
 export const useRunway = () => {
+  const membersStore = useMembersStore()
+  const policiesStore = usePoliciesStore()
+  const budgetStore = useBudgetStore()
+  
   const calculateRunway = (cash: number, savings: number, monthlyBurn: number): number => {
     if (monthlyBurn <= 0) return Infinity
     return (cash + savings) / monthlyBurn
   }
   
+  // Calculate monthly burn based on operating mode
+  const getMonthlyBurn = (mode?: 'minimum' | 'target') => {
+    const operatingMode = mode || policiesStore.operatingMode || 'minimum'
+    
+    // Get payroll costs based on mode
+    const payrollCost = monthlyPayroll(membersStore.members, operatingMode)
+    
+    // Add oncosts
+    const oncostPct = policiesStore.payrollOncostPct || 0
+    const totalPayroll = payrollCost * (1 + oncostPct / 100)
+    
+    // Add overhead costs
+    const overheadCost = budgetStore.overheadCosts.reduce((sum, cost) => sum + (cost.amount || 0), 0)
+    
+    return totalPayroll + overheadCost
+  }
+  
+  // Calculate runway for both modes
+  const getDualModeRunway = (cash: number, savings: number) => {
+    const minBurn = getMonthlyBurn('minimum')
+    const targetBurn = getMonthlyBurn('target')
+    
+    return {
+      minimum: calculateRunway(cash, savings, minBurn),
+      target: calculateRunway(cash, savings, targetBurn),
+      minBurn,
+      targetBurn
+    }
+  }
+  
   const getRunwayStatus = (months: number): 'green' | 'yellow' | 'red' => {
     if (months >= 3) return 'green'
     if (months >= 2) return 'yellow'
@@ -22,6 +58,8 @@ export const useRunway = () => {
   return {
     calculateRunway,
     getRunwayStatus,
-    formatRunway
+    formatRunway,
+    getMonthlyBurn,
+    getDualModeRunway
   }
 }

composables/useScenarios.ts

@@ -0,0 +1,109 @@
+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
+  }
+}

content/fixtures/cash-events.json

@@ -1,113 +0,0 @@
-{
-  "cashEvents": [
-    {
-      "id": "event-1",
-      "date": "2024-01-08",
-      "week": 1,
-      "type": "Influx",
-      "amount": 2600,
-      "sourceRef": "stream-1",
-      "policyTag": "Revenue",
-      "description": "Client Services - Project Alpha payment"
-    },
-    {
-      "id": "event-2",
-      "date": "2024-01-12",
-      "week": 2,
-      "type": "Influx",
-      "amount": 400,
-      "sourceRef": "stream-2",
-      "policyTag": "Revenue",
-      "description": "Platform Sales - December payout"
-    },
-    {
-      "id": "event-3",
-      "date": "2024-01-15",
-      "week": 3,
-      "type": "Outflow",
-      "amount": 2200,
-      "sourceRef": "payroll-jan-1",
-      "policyTag": "Payroll",
-      "description": "Payroll - First half January"
-    },
-    {
-      "id": "event-4",
-      "date": "2024-01-22",
-      "week": 4,
-      "type": "Influx",
-      "amount": 4000,
-      "sourceRef": "stream-1",
-      "policyTag": "Revenue",
-      "description": "Client Services - Large project milestone"
-    },
-    {
-      "id": "event-5",
-      "date": "2024-01-29",
-      "week": 5,
-      "type": "Outflow",
-      "amount": 2200,
-      "sourceRef": "payroll-jan-2",
-      "policyTag": "Payroll",
-      "description": "Payroll - Second half January"
-    },
-    {
-      "id": "event-6",
-      "date": "2024-02-05",
-      "week": 6,
-      "type": "Outflow",
-      "amount": 1400,
-      "sourceRef": "overhead-monthly",
-      "policyTag": "CriticalOps",
-      "description": "Monthly overhead costs"
-    },
-    {
-      "id": "event-7",
-      "date": "2024-02-12",
-      "week": 7,
-      "type": "Influx",
-      "amount": 1000,
-      "sourceRef": "stream-2",
-      "policyTag": "Revenue",
-      "description": "Platform Sales - Reduced month"
-    },
-    {
-      "id": "event-8",
-      "date": "2024-02-19",
-      "week": 8,
-      "type": "Outflow",
-      "amount": 2200,
-      "sourceRef": "payroll-feb-1",
-      "policyTag": "Payroll",
-      "description": "Payroll - First half February"
-    }
-  ],
-  "paymentQueue": [
-    {
-      "id": "payment-1",
-      "amount": 500,
-      "recipient": "Development Kits Supplier",
-      "scheduledWeek": 9,
-      "priority": "Vendors",
-      "canStage": true,
-      "description": "Hardware purchase for Q1 development"
-    },
-    {
-      "id": "payment-2",
-      "amount": 1700,
-      "recipient": "Alex Chen - Deferred Pay",
-      "scheduledWeek": 10,
-      "priority": "Payroll",
-      "canStage": false,
-      "description": "Deferred wage repayment"
-    },
-    {
-      "id": "payment-3",
-      "amount": 800,
-      "recipient": "Tax Authority",
-      "scheduledWeek": 12,
-      "priority": "Taxes",
-      "canStage": false,
-      "description": "Quarterly tax payment"
-    }
-  ]
-}

content/fixtures/costs.json

@@ -1,38 +0,0 @@
-{
-  "overheadCosts": [
-    {
-      "id": "overhead-1",
-      "name": "Coworking Space",
-      "amount": 800,
-      "category": "Workspace",
-      "recurring": true,
-      "description": "Shared workspace membership for 3 desks"
-    },
-    {
-      "id": "overhead-2",
-      "name": "Tools & Software",
-      "amount": 420,
-      "category": "Technology",
-      "recurring": true,
-      "description": "Development tools, design software, project management"
-    },
-    {
-      "id": "overhead-3",
-      "name": "Business Insurance",
-      "amount": 180,
-      "category": "Legal & Compliance",
-      "recurring": true,
-      "description": "Professional liability and general business insurance"
-    }
-  ],
-  "productionCosts": [
-    {
-      "id": "production-1",
-      "name": "Development Kits",
-      "amount": 500,
-      "category": "Hardware",
-      "period": "2024-01",
-      "description": "Testing devices and development hardware"
-    }
-  ]
-}

content/fixtures/finances.json

@@ -1,40 +0,0 @@
-{
-  "currentBalances": {
-    "cash": 5000,
-    "savings": 8000,
-    "totalLiquid": 13000
-  },
-  "policies": {
-    "equalHourlyWage": 20,
-    "payrollOncostPct": 25,
-    "savingsTargetMonths": 3,
-    "minCashCushionAmount": 3000,
-    "deferredCapHoursPerQtr": 240,
-    "deferredSunsetMonths": 12,
-    "surplusOrder": [
-      "Deferred",
-      "Savings",
-      "Hardship",
-      "Training",
-      "Patronage",
-      "Retained"
-    ],
-    "paymentPriority": [
-      "Payroll",
-      "Taxes",
-      "CriticalOps",
-      "Vendors"
-    ],
-    "volunteerScope": {
-      "allowedFlows": ["Care", "SharedLearning"]
-    }
-  },
-  "deferredLiabilities": {
-    "totalDeferred": 2340,
-    "byMember": {
-      "member-1": 1700,
-      "member-2": 0,
-      "member-3": 640
-    }
-  }
-}

content/fixtures/members.json

@@ -1,52 +0,0 @@
-{
-  "members": [
-    {
-      "id": "member-1",
-      "displayName": "Alex Chen",
-      "roleFocus": "Technical Lead",
-      "payRelationship": "Hybrid",
-      "capacity": {
-        "minHours": 20,
-        "targetHours": 120,
-        "maxHours": 160
-      },
-      "riskBand": "Medium",
-      "externalCoveragePct": 60,
-      "privacyNeeds": "aggregate_ok",
-      "deferredHours": 85,
-      "quarterlyDeferredCap": 240
-    },
-    {
-      "id": "member-2", 
-      "displayName": "Jordan Silva",
-      "roleFocus": "Design & UX",
-      "payRelationship": "FullyPaid",
-      "capacity": {
-        "minHours": 30,
-        "targetHours": 140,
-        "maxHours": 180
-      },
-      "riskBand": "Low",
-      "externalCoveragePct": 20,
-      "privacyNeeds": "aggregate_ok",
-      "deferredHours": 0,
-      "quarterlyDeferredCap": 240
-    },
-    {
-      "id": "member-3",
-      "displayName": "Sam Rodriguez", 
-      "roleFocus": "Operations & Growth",
-      "payRelationship": "Supplemental",
-      "capacity": {
-        "minHours": 10,
-        "targetHours": 60,
-        "maxHours": 100
-      },
-      "riskBand": "High",
-      "externalCoveragePct": 85,
-      "privacyNeeds": "steward_only",
-      "deferredHours": 32,
-      "quarterlyDeferredCap": 120
-    }
-  ]
-}

content/fixtures/streams.json

@@ -1,84 +0,0 @@
-{
-  "revenueStreams": [
-    {
-      "id": "stream-1",
-      "name": "Client Services",
-      "category": "Services",
-      "subcategory": "Development",
-      "targetPct": 65,
-      "targetMonthlyAmount": 7800,
-      "certainty": "Committed",
-      "payoutDelayDays": 30,
-      "terms": "Net 30",
-      "revenueSharePct": 0,
-      "platformFeePct": 0,
-      "restrictions": "General",
-      "seasonalityWeights": [1.0, 1.0, 1.1, 1.1, 0.9, 0.8, 0.7, 0.8, 1.1, 1.2, 1.1, 1.0],
-      "effortHoursPerMonth": 180
-    },
-    {
-      "id": "stream-2",
-      "name": "Platform Sales",
-      "category": "Product",
-      "subcategory": "Digital Tools",
-      "targetPct": 20,
-      "targetMonthlyAmount": 2400,
-      "certainty": "Probable",
-      "payoutDelayDays": 14,
-      "terms": "Platform payout",
-      "revenueSharePct": 0,
-      "platformFeePct": 5,
-      "restrictions": "General",
-      "seasonalityWeights": [0.8, 0.9, 1.0, 1.1, 1.2, 1.1, 1.0, 0.9, 1.1, 1.2, 1.3, 1.1],
-      "effortHoursPerMonth": 40
-    },
-    {
-      "id": "stream-3",
-      "name": "Innovation Grant",
-      "category": "Grant",
-      "subcategory": "Government",
-      "targetPct": 10,
-      "targetMonthlyAmount": 1200,
-      "certainty": "Committed",
-      "payoutDelayDays": 45,
-      "terms": "Quarterly disbursement",
-      "revenueSharePct": 0,
-      "platformFeePct": 0,
-      "restrictions": "Restricted",
-      "seasonalityWeights": [1.0, 1.0, 1.0, 1.5, 1.0, 1.0, 0.5, 1.0, 1.0, 1.5, 1.0, 1.0],
-      "effortHoursPerMonth": 8
-    },
-    {
-      "id": "stream-4",
-      "name": "Community Donations",
-      "category": "Donation",
-      "subcategory": "Individual",
-      "targetPct": 3,
-      "targetMonthlyAmount": 360,
-      "certainty": "Aspirational",
-      "payoutDelayDays": 3,
-      "terms": "Immediate",
-      "revenueSharePct": 0,
-      "platformFeePct": 2.9,
-      "restrictions": "General",
-      "seasonalityWeights": [0.8, 0.9, 1.0, 1.0, 1.0, 1.0, 1.0, 1.0, 1.0, 1.1, 1.3, 1.4],
-      "effortHoursPerMonth": 5
-    },
-    {
-      "id": "stream-5",
-      "name": "Consulting & Training",
-      "category": "Other",
-      "subcategory": "Professional Services",
-      "targetPct": 2,
-      "targetMonthlyAmount": 240,
-      "certainty": "Probable",
-      "payoutDelayDays": 21,
-      "terms": "Net 21",
-      "revenueSharePct": 0,
-      "platformFeePct": 0,
-      "restrictions": "General",
-      "seasonalityWeights": [1.2, 1.1, 1.0, 0.9, 0.8, 0.7, 0.8, 0.9, 1.2, 1.3, 1.2, 1.0],
-      "effortHoursPerMonth": 12
-    }
-  ]
-}

middleware/redirect-dashboard.global.ts

@@ -0,0 +1,6 @@
+export default defineNuxtRouteMiddleware((to) => {
+  // Redirect root path to dashboard
+  if (to.path === '/') {
+    return navigateTo('/dashboard')
+  }
+})

middleware/setup.global.ts

@@ -1,24 +1,51 @@
 export default defineNuxtRouteMiddleware((to) => {
-  // Skip middleware for coop-planner, wizards, templates, and API routes
+  // Allowlist: routes that should always be accessible before setup
   if (
     to.path === "/coop-planner" ||
+    to.path === "/coop-builder" ||
     to.path === "/wizards" ||
     to.path.startsWith("/templates") ||
+    to.path.startsWith("/coach") ||
     to.path.startsWith("/api/")
   ) {
     return;
   }
 
+  // Only guard core dashboards until setup is complete
+  const protectedRoutes = new Set([
+    "/dashboard",
+    "/dashboard-simple",
+    "/budget",
+    "/mix",
+    "/cash",
+  ]);
+
+  if (!protectedRoutes.has(to.path)) {
+    return;
+  }
+
   // Use actual store state to determine whether setup is complete
   const membersStore = useMembersStore();
   const policiesStore = usePoliciesStore();
   const streamsStore = useStreamsStore();
+  const coopStore = useCoopBuilderStore?.();
 
-  const setupComplete =
+  // 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
+  );
+
+  const setupComplete = legacyComplete || coopComplete;
+
   if (!setupComplete) {
     return navigateTo("/coop-planner");
   }

pages/budget.vue

@@ -357,30 +357,15 @@
     </UModal>
 
     <!-- Helper Modal -->
-    <UModal v-model:open="showHelperModal" :ui="{ wrapper: 'sm:max-w-lg' }">
+    <UModal
-      <template #header>
+      v-model:open="showHelperModal"
-        <div class="flex items-center justify-between">
+      :ui="{ wrapper: 'sm:max-w-lg', footer: 'justify-end' }"
-          <div>
+      title="Quick Entry Tools"
-            <h3 class="text-lg font-semibold text-gray-900 modal-header">
+      :description="selectedItemDetails?.label || 'Budget item'"
-              Quick Entry Tools
+    >
-            </h3>
-            <p class="mt-1 text-sm text-gray-500 modal-header">
-              {{ selectedItemDetails?.label || "Budget item" }}
-            </p>
-          </div>
-          <UButton
-            @click="showHelperModal = false"
-            variant="ghost"
-            size="sm"
-            icon="i-heroicons-x-mark-20-solid"
-            class="-mr-2"
-          />
-        </div>
-      </template>
-
       <template #body>
         <div class="isolate">
-          <UTabs :items="helperTabs" class="w-full">
+          <UTabs v-model="activeHelperTab" :items="helperTabs" class="w-full">
             <template #content="{ item }">
               <!-- Annual Distribution Content -->
               <div v-if="item.key === 'annual'" class="pt-4 space-y-4">
@@ -399,18 +384,6 @@
                 <p class="text-sm text-gray-600">
                   This will divide the amount equally across all 12 months
                 </p>
-                <div class="flex justify-end gap-3 pt-2">
-                  <UButton @click="showHelperModal = false" variant="ghost" color="neutral">
-                    Cancel
-                  </UButton>
-                  <UButton
-                    @click="distributeAnnualAmount"
-                    :disabled="!helperConfig.annualAmount || helperConfig.annualAmount <= 0"
-                    color="primary"
-                  >
-                    Distribute Amount
-                  </UButton>
-                </div>
               </div>
 
               <!-- Monthly Amount Content -->
@@ -430,25 +403,31 @@
                 <p class="text-sm text-gray-600">
                   This will set the same value for all months
                 </p>
-                <div class="flex justify-end gap-3 pt-2">
-                  <UButton @click="showHelperModal = false" variant="ghost" color="neutral">
-                    Cancel
-                  </UButton>
-                  <UButton
-                    @click="setAllMonths"
-                    :disabled="
-                      !helperConfig.monthlyAmount || helperConfig.monthlyAmount <= 0
-                    "
-                    color="primary"
-                  >
-                    Apply to All Months
-                  </UButton>
-                </div>
               </div>
             </template>
           </UTabs>
         </div>
       </template>
+
+      <template #footer="{ close }">
+        <UButton @click="close" variant="outline" color="neutral"> Cancel </UButton>
+        <UButton
+          v-if="activeHelperTab === 0"
+          @click="distributeAnnualAmount"
+          :disabled="!helperConfig.annualAmount || helperConfig.annualAmount <= 0"
+          color="primary"
+        >
+          Distribute Amount
+        </UButton>
+        <UButton
+          v-else
+          @click="setAllMonths"
+          :disabled="!helperConfig.monthlyAmount || helperConfig.monthlyAmount <= 0"
+          color="primary"
+        >
+          Apply to All Months
+        </UButton>
+      </template>
     </UModal>
 
     <!-- Add Expense Modal -->
@@ -525,8 +504,11 @@
 </template>
 
 <script setup lang="ts">
-// Store
+// Stores
 const budgetStore = useBudgetStore();
+const streamsStore = useStreamsStore();
+const membersStore = useMembersStore();
+const policiesStore = usePoliciesStore();
 
 // State
 const showAddRevenueModal = ref(false);
@@ -567,6 +549,7 @@ const selectedItemDetails = computed(() => {
 });
 
 // Helper tabs configuration
+const activeHelperTab = ref(0); // UTabs uses index, not key
 const helperTabs = [
   {
     key: "annual",
@@ -641,9 +624,9 @@ const allBudgetItems = computed(() => {
 // Initialize on mount
 onMounted(async () => {
   try {
-    if (!budgetStore.isInitialized) {
+    // Always re-initialize to get latest wizard data
-      await budgetStore.initializeFromWizardData();
+    budgetStore.isInitialized = false;
-    }
+    await budgetStore.initializeFromWizardData();
   } catch (error) {
     console.error("Error initializing budget page:", error);
   }
@@ -807,7 +790,9 @@ function resetWorksheet() {
   if (confirm("Are you sure you want to reset all budget data? This cannot be undone.")) {
     budgetStore.resetBudgetWorksheet();
     budgetStore.isInitialized = false;
-    budgetStore.initializeFromWizardData();
+    nextTick(() => {
+      budgetStore.initializeFromWizardData();
+    });
   }
 }
 

pages/coach/skills-to-offers.vue

@@ -20,18 +20,6 @@
             >
               Skip coach → Streams
             </button>
-            <button
-              @click="loadSampleData"
-              class="px-4 py-2 text-sm bg-blue-50 border-2 border-blue-200 rounded-lg text-blue-700 hover:bg-blue-100 hover:border-blue-300 focus:outline-none focus:ring-2 focus:ring-blue-500 focus:ring-offset-2 transition-colors"
-              :aria-label="'Load sample data to see example offers'"
-            >
-              <div class="flex items-center gap-2">
-                <svg class="w-4 h-4" fill="none" stroke="currentColor" viewBox="0 0 24 24">
-                  <path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M13 10V3L4 14h7v7l9-11h-7z" />
-                </svg>
-                Load sample data
-              </div>
-            </button>
           </div>
         </div>
       </div>
@@ -384,74 +372,17 @@
 <script setup lang="ts">
 import type { Member, SkillTag, ProblemTag, Offer } from "~/types/coaching";
 import { useDebounceFn } from "@vueuse/core";
-import { 
+// REMOVED: All sample data imports to prevent demo data
-  membersSample, 
-  skillsCatalogSample, 
-  problemsCatalogSample, 
-  sampleSelections 
-} from "~/sample/skillsToOffersSamples";
 
 // Store integration
 const planStore = usePlanStore();
 
-// Initialize with default data
+// Initialize with empty data
-const members = ref<Member[]>([
+const members = ref<Member[]>([]);
-  { id: "1", name: "Alex Chen", role: "Game Designer", hourly: 75, availableHrs: 30 },
-  { id: "2", name: "Jordan Smith", role: "Developer", hourly: 80, availableHrs: 35 },
-  { id: "3", name: "Sam Rodriguez", role: "Artist", hourly: 70, availableHrs: 25 }
-]);
 
-const availableSkills = ref<SkillTag[]>([
+const availableSkills = ref<SkillTag[]>([]);
-  { id: "unity", label: "Unity Development" },
-  { id: "art", label: "2D/3D Art" },
-  { id: "design", label: "Game Design" },
-  { id: "audio", label: "Audio Design" },
-  { id: "writing", label: "Narrative Writing" },
-  { id: "marketing", label: "Marketing" },
-  { id: "business", label: "Business Strategy" },
-  { id: "web", label: "Web Development" },
-  { id: "mobile", label: "Mobile Development" },
-  { id: "consulting", label: "Technical Consulting" }
-]);
 
-const availableProblems = ref<ProblemTag[]>([
+const availableProblems = ref<ProblemTag[]>([]);
-  { 
-    id: "indie-games", 
-    label: "Indie game development", 
-    examples: [
-      "Small studios needing extra development capacity",
-      "Solo developers wanting art/audio support",
-      "Teams needing game design consultation"
-    ]
-  },
-  { 
-    id: "corporate-training", 
-    label: "Corporate training games", 
-    examples: [
-      "Companies wanting engaging employee training",
-      "HR departments needing onboarding tools",
-      "Safety training for industrial workers"
-    ]
-  },
-  { 
-    id: "educational", 
-    label: "Educational technology", 
-    examples: [
-      "Schools needing interactive learning tools",
-      "Universities wanting research simulations",
-      "Non-profits creating awareness campaigns"
-    ]
-  },
-  { 
-    id: "prototypes", 
-    label: "Rapid prototyping", 
-    examples: [
-      "Startups validating game concepts",
-      "Publishers testing market fit",
-      "Researchers creating proof-of-concepts"
-    ]
-  }
-]);
 
 // Set members in store on component mount
 onMounted(() => {
@@ -512,25 +443,6 @@ function updateLanguageToCoopTerms(text: string): string {
     .replace(/productivity/gi, 'shared capacity');
 }
 
-// Sample data loading
-function loadSampleData() {
-  // Replace data with samples
-  members.value = [...membersSample];
-  availableSkills.value = [...skillsCatalogSample];
-  availableProblems.value = [...problemsCatalogSample];
-  
-  // Set pre-selected skills and problems
-  selectedSkills.value = { ...sampleSelections.selectedSkillsByMember };
-  selectedProblems.value = [...sampleSelections.selectedProblems];
-  
-  // Update store with new members
-  planStore.setMembers(members.value);
-  
-  // Trigger offer generation immediately
-  nextTick(() => {
-    debouncedGenerateOffers();
-  });
-}
 
 // Debounced offer generation
 const debouncedGenerateOffers = useDebounceFn(async () => {

pages/coop-builder.vue

@@ -6,8 +6,7 @@
       <!-- Header -->
       <div class="mb-10 text-center">
         <h1
-          class="text-3xl font-black text-black dark:text-white mb-4 leading-tight uppercase tracking-wide border-t-2 border-b-2 border-black dark:border-white py-4"
+          class="text-3xl font-black text-black dark:text-white mb-4 leading-tight uppercase tracking-wide border-t-2 border-b-2 border-black dark:border-white py-4">
-        >
           Co-op Builder
         </h1>
       </div>
@@ -18,16 +17,15 @@
         <div 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 p-8"
+          class="relative bg-white dark:bg-neutral-950 border-2 border-black dark:border-white p-8">
-        >
           <div
-            class="w-16 h-16 bg-black dark:bg-white border-2 border-black dark:border-white flex items-center justify-center mx-auto mb-4"
+            class="w-16 h-16 bg-black dark:bg-white border-2 border-black dark:border-white flex items-center justify-center mx-auto mb-4">
-          >
+            <UIcon
-            <UIcon name="i-heroicons-check" class="w-8 h-8 text-white dark:text-black" />
+              name="i-heroicons-check"
+              class="w-8 h-8 text-white dark:text-black" />
           </div>
           <h2
-            class="text-2xl font-bold text-black dark:text-white mb-2 uppercase tracking-wide"
+            class="text-2xl font-bold text-black dark:text-white mb-2 uppercase tracking-wide">
-          >
             You're all set!
           </h2>
           <p class="text-neutral-600 dark:text-neutral-400 mb-6">
@@ -35,7 +33,10 @@
           </p>
 
           <div class="flex justify-center gap-4">
-            <button class="export-btn" @click="restartWizard" :disabled="isResetting">
+            <button
+              class="export-btn"
+              @click="restartWizard"
+              :disabled="isResetting">
               Start Over
             </button>
             <button class="export-btn primary" @click="navigateTo('/budget')">
@@ -52,40 +53,34 @@
           <!-- Dithered shadow for selected state -->
           <div
             v-if="focusedStep === 1"
-            class="absolute top-2 left-2 w-full h-full dither-shadow"
+            class="absolute top-2 left-2 w-full h-full dither-shadow"></div>
-          ></div>
 
           <div
             :class="[
               'relative bg-white dark:bg-neutral-950 border-2 border-black dark:border-white overflow-hidden',
               focusedStep === 1 ? 'item-selected' : '',
-            ]"
+            ]">
-          >
             <div
               class="p-8 cursor-pointer hover:bg-neutral-100 dark:hover:bg-neutral-800 transition-colors"
-              @click="setFocusedStep(1)"
+              @click="setFocusedStep(1)">
-            >
               <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="
-                      membersStore.isValid
+                      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="membersStore.isValid"
+                      v-if="membersValid"
                       name="i-heroicons-check"
-                      class="w-4 h-4"
+                      class="w-4 h-4" />
-                    />
                     <span v-else>1</span>
                   </div>
                   <div>
                     <h3
-                      class="text-2xl font-black text-black dark:text-white uppercase tracking-wide"
+                      class="text-2xl font-black text-black dark:text-white uppercase tracking-wide">
-                    >
                       Add your team
                     </h3>
                   </div>
@@ -93,15 +88,13 @@
                 <UIcon
                   name="i-heroicons-chevron-down"
                   class="w-6 h-6 text-black dark:text-white transition-transform font-bold"
-                  :class="{ 'rotate-180': focusedStep === 1 }"
+                  :class="{ 'rotate-180': focusedStep === 1 }" />
-                />
               </div>
             </div>
 
             <div
               v-if="focusedStep === 1"
-              class="p-8 bg-neutral-50 dark:bg-neutral-900 border-t-2 border-black dark:border-white"
+              class="p-8 bg-neutral-50 dark:bg-neutral-900 border-t-2 border-black dark:border-white">
-            >
               <WizardMembersStep @save-status="handleSaveStatus" />
             </div>
           </div>
@@ -112,40 +105,34 @@
           <!-- Dithered shadow for selected state -->
           <div
             v-if="focusedStep === 2"
-            class="absolute top-2 left-2 w-full h-full dither-shadow"
+            class="absolute top-2 left-2 w-full h-full dither-shadow"></div>
-          ></div>
 
           <div
             :class="[
               'relative bg-white dark:bg-neutral-950 border-2 border-black dark:border-white overflow-hidden',
               focusedStep === 2 ? 'item-selected' : '',
-            ]"
+            ]">
-          >
             <div
               class="p-8 cursor-pointer hover:bg-neutral-100 dark:hover:bg-neutral-800 transition-colors"
-              @click="setFocusedStep(2)"
+              @click="setFocusedStep(2)">
-            >
               <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="
-                      policiesStore.isValid
+                      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="policiesStore.isValid"
+                      v-if="policiesValid"
                       name="i-heroicons-check"
-                      class="w-4 h-4"
+                      class="w-4 h-4" />
-                    />
                     <span v-else>2</span>
                   </div>
                   <div>
                     <h3
-                      class="text-2xl font-black text-black dark:text-white uppercase tracking-wide"
+                      class="text-2xl font-black text-black dark:text-white uppercase tracking-wide">
-                    >
                       Set your wage
                     </h3>
                   </div>
@@ -153,15 +140,13 @@
                 <UIcon
                   name="i-heroicons-chevron-down"
                   class="w-6 h-6 text-black dark:text-white transition-transform font-bold"
-                  :class="{ 'rotate-180': focusedStep === 2 }"
+                  :class="{ 'rotate-180': focusedStep === 2 }" />
-                />
               </div>
             </div>
 
             <div
               v-if="focusedStep === 2"
-              class="p-8 bg-neutral-50 dark:bg-neutral-900 border-t-2 border-black dark:border-white"
+              class="p-8 bg-neutral-50 dark:bg-neutral-900 border-t-2 border-black dark:border-white">
-            >
               <WizardPoliciesStep @save-status="handleSaveStatus" />
             </div>
           </div>
@@ -172,30 +157,25 @@
           <!-- Dithered shadow for selected state -->
           <div
             v-if="focusedStep === 3"
-            class="absolute top-2 left-2 w-full h-full dither-shadow"
+            class="absolute top-2 left-2 w-full h-full dither-shadow"></div>
-          ></div>
 
           <div
             :class="[
               'relative bg-white dark:bg-neutral-950 border-2 border-black dark:border-white overflow-hidden',
               focusedStep === 3 ? 'item-selected' : '',
-            ]"
+            ]">
-          >
             <div
               class="p-8 cursor-pointer hover:bg-neutral-100 dark:hover:bg-neutral-800 transition-colors"
-              @click="setFocusedStep(3)"
+              @click="setFocusedStep(3)">
-            >
               <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"
+                    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" />
                   </div>
                   <div>
                     <h3
-                      class="text-2xl font-black text-black dark:text-white uppercase tracking-wide"
+                      class="text-2xl font-black text-black dark:text-white uppercase tracking-wide">
-                    >
                       Monthly costs
                     </h3>
                   </div>
@@ -203,15 +183,13 @@
                 <UIcon
                   name="i-heroicons-chevron-down"
                   class="w-6 h-6 text-black dark:text-white transition-transform font-bold"
-                  :class="{ 'rotate-180': focusedStep === 3 }"
+                  :class="{ 'rotate-180': focusedStep === 3 }" />
-                />
               </div>
             </div>
 
             <div
               v-if="focusedStep === 3"
-              class="p-8 bg-neutral-50 dark:bg-neutral-900 border-t-2 border-black dark:border-white"
+              class="p-8 bg-neutral-50 dark:bg-neutral-900 border-t-2 border-black dark:border-white">
-            >
               <WizardCostsStep @save-status="handleSaveStatus" />
             </div>
           </div>
@@ -222,40 +200,34 @@
           <!-- Dithered shadow for selected state -->
           <div
             v-if="focusedStep === 4"
-            class="absolute top-2 left-2 w-full h-full dither-shadow"
+            class="absolute top-2 left-2 w-full h-full dither-shadow"></div>
-          ></div>
 
           <div
             :class="[
               'relative bg-white dark:bg-neutral-950 border-2 border-black dark:border-white overflow-hidden',
               focusedStep === 4 ? 'item-selected' : '',
-            ]"
+            ]">
-          >
             <div
               class="p-8 cursor-pointer hover:bg-neutral-100 dark:hover:bg-neutral-800 transition-colors"
-              @click="setFocusedStep(4)"
+              @click="setFocusedStep(4)">
-            >
               <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="
-                      streamsStore.hasValidStreams
+                      streamsValid
                         ? '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="streamsStore.hasValidStreams"
+                      v-if="streamsValid"
                       name="i-heroicons-check"
-                      class="w-4 h-4"
+                      class="w-4 h-4" />
-                    />
                     <span v-else>4</span>
                   </div>
                   <div>
                     <h3
-                      class="text-2xl font-black text-black dark:text-white uppercase tracking-wide"
+                      class="text-2xl font-black text-black dark:text-white uppercase tracking-wide">
-                    >
                       Revenue streams
                     </h3>
                   </div>
@@ -263,15 +235,13 @@
                 <UIcon
                   name="i-heroicons-chevron-down"
                   class="w-6 h-6 text-black dark:text-white transition-transform font-bold"
-                  :class="{ 'rotate-180': focusedStep === 4 }"
+                  :class="{ 'rotate-180': focusedStep === 4 }" />
-                />
               </div>
             </div>
 
             <div
               v-if="focusedStep === 4"
-              class="p-8 bg-neutral-50 dark:bg-neutral-900 border-t-2 border-black dark:border-white"
+              class="p-8 bg-neutral-50 dark:bg-neutral-900 border-t-2 border-black dark:border-white">
-            >
               <WizardRevenueStep @save-status="handleSaveStatus" />
             </div>
           </div>
@@ -282,19 +252,16 @@
           <!-- Dithered shadow for selected state -->
           <div
             v-if="focusedStep === 5"
-            class="absolute top-2 left-2 w-full h-full dither-shadow"
+            class="absolute top-2 left-2 w-full h-full dither-shadow"></div>
-          ></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)"
+              @click="setFocusedStep(5)">
-            >
               <div class="flex items-center justify-between">
                 <div class="flex items-center gap-3">
                   <div
@@ -303,15 +270,16 @@
                       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
-                    <UIcon v-if="canComplete" name="i-heroicons-check" class="w-4 h-4" />
+                      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"
+                      class="text-2xl font-black text-black dark:text-white uppercase tracking-wide">
-                    >
                       Review & finish
                     </h3>
                   </div>
@@ -319,52 +287,57 @@
                 <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 }"
+                  :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"
+              class="p-8 bg-neutral-50 dark:bg-neutral-900 border-t-2 border-black dark:border-white">
-            >
+              <WizardReviewStep
-              <WizardReviewStep @complete="completeWizard" @reset="resetWizard" />
+                @complete="completeWizard"
+                @reset="resetWizard" />
             </div>
           </div>
         </div>
 
         <!-- Progress Actions -->
         <div class="flex justify-between items-center pt-8">
-          <button class="export-btn" @click="resetWizard" :disabled="isResetting">
+          <button
+            class="export-btn"
+            @click="resetWizard"
+            :disabled="isResetting">
             Start Over
           </button>
 
           <div class="flex items-center gap-4">
             <!-- Save status -->
             <div
-              class="flex items-center gap-2 text-sm font-mono uppercase tracking-wide"
+              class="flex items-center gap-2 text-sm font-mono uppercase tracking-wide">
-            >
               <UIcon
                 v-if="saveStatus === 'saving'"
                 name="i-heroicons-arrow-path"
-                class="w-4 h-4 animate-spin text-neutral-500 dark:text-neutral-400"
+                class="w-4 h-4 animate-spin text-neutral-500 dark:text-neutral-400" />
-              />
               <UIcon
                 v-if="saveStatus === 'saved'"
                 name="i-heroicons-check-circle"
-                class="w-4 h-4 text-black dark:text-white"
+                class="w-4 h-4 text-black dark:text-white" />
-              />
               <span
                 v-if="saveStatus === 'saving'"
                 class="text-neutral-500 dark:text-neutral-400"
                 >Saving...</span
               >
-              <span v-if="saveStatus === 'saved'" class="text-black dark:text-white"
+              <span
+                v-if="saveStatus === 'saved'"
+                class="text-black dark:text-white"
                 >Saved</span
               >
             </div>
 
-            <button v-if="canComplete" class="export-btn primary" @click="completeWizard">
+            <button
+              v-if="canComplete"
+              class="export-btn primary"
+              @click="completeWizard">
               Complete Setup
             </button>
           </div>
@@ -375,12 +348,8 @@
 </template>
 
 <script setup lang="ts">
-// Stores
+// Store
-const membersStore = useMembersStore();
+const coop = useCoopBuilder();
-const policiesStore = usePoliciesStore();
-const streamsStore = useStreamsStore();
-const budgetStore = useBudgetStore();
-const coopBuilderStore = useCoopBuilderStore();
 
 // UI state
 const focusedStep = ref(1);
@@ -389,9 +358,36 @@ const isResetting = ref(false);
 const isCompleted = ref(false);
 
 // Computed validation
-const canComplete = computed(
+const canComplete = computed(() => {
-  () => membersStore.isValid && policiesStore.isValid && streamsStore.hasValidStreams
+  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
+  return coop.members.value.some((m: any) => {
+    const hasName = typeof m.name === "string" && m.name.trim().length > 0;
+    const hours = Number((m as any).hoursPerMonth ?? 0);
+    return hasName && Number.isFinite(hours) && hours > 0;
+  });
+});
+
+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;
+});
+
+const streamsValid = computed(() => {
+  // Valid if all streams have name, category, and non-negative monthly
+  return (
+    coop.streams.value.length > 0 &&
+    coop.streams.value.every((s: any) => {
+      const monthly = Number((s as any).monthly ?? 0);
+      return (s.label || "").toString().trim().length > 0 && monthly >= 0;
+    })
+  );
+});
 
 // Save status handler
 function handleSaveStatus(status: "saving" | "saved" | "error") {
@@ -424,14 +420,8 @@ function completeWizard() {
 async function resetWizard() {
   isResetting.value = true;
 
-  // Reset all stores
+  // Reset centralized store
-  membersStore.resetMembers();
+  coop.reset();
-  policiesStore.resetPolicies();
-  streamsStore.resetStreams();
-  budgetStore.resetBudgetOverhead();
-
-  // Reset coop builder state
-  coopBuilderStore.reset();
   saveStatus.value = "";
 
   // Small delay for UX
@@ -446,12 +436,8 @@ async function restartWizard() {
   isCompleted.value = false;
   focusedStep.value = 1;
 
-  // Reset all stores and coop builder state
+  // Reset centralized store
-  membersStore.resetMembers();
+  coop.reset();
-  policiesStore.resetPolicies();
-  streamsStore.resetStreams();
-  budgetStore.resetBudgetOverhead();
-  coopBuilderStore.reset();
   saveStatus.value = "";
 
   // Small delay for UX

pages/dashboard-simple.vue

@@ -0,0 +1,112 @@
+<template>
+  <div class="space-y-8">
+    <div class="flex items-center justify-between">
+      <h1 class="text-2xl font-semibold">Dashboard</h1>
+      <div class="text-sm text-gray-600">
+        Mode: {{ currentMode }}
+      </div>
+    </div>
+
+    <!-- Simple Core Metrics -->
+    <UCard>
+      <template #header>
+        <h3 class="text-lg font-medium">Core Metrics</h3>
+      </template>
+      <div class="grid grid-cols-1 md:grid-cols-3 gap-4">
+        <div class="text-center">
+          <div class="text-3xl font-bold text-green-600">{{ runwayDisplay }}</div>
+          <div class="text-sm text-gray-600">Runway</div>
+        </div>
+        <div class="text-center">
+          <div class="text-3xl font-bold text-blue-600">{{ coverageDisplay }}</div>
+          <div class="text-sm text-gray-600">Coverage</div>
+        </div>
+        <div class="text-center">
+          <div class="text-3xl font-bold text-purple-600">{{ streamCount }}</div>
+          <div class="text-sm text-gray-600">Revenue Streams</div>
+        </div>
+      </div>
+    </UCard>
+
+    <!-- Simple Member List -->
+    <UCard>
+      <template #header>
+        <h3 class="text-lg font-medium">Members ({{ memberCount }})</h3>
+      </template>
+      <div class="space-y-2">
+        <div v-for="(member, index) in membersList" :key="index" class="flex items-center justify-between p-2 border border-gray-200 rounded">
+          <span class="font-medium">{{ member.name }}</span>
+          <span class="text-sm text-gray-600">{{ member.relationship }}</span>
+        </div>
+        <div v-if="memberCount === 0" class="text-sm text-gray-500 italic p-4">
+          No members configured yet.
+        </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>
+
+<script setup lang="ts">
+// Simple reactive data without complex computations
+const currentMode = ref('minimum')
+const runwayDisplay = ref('∞')
+const coverageDisplay = ref('100%')
+const streamCount = ref(0)
+const memberCount = ref(0)
+const membersList = ref([])
+
+// Try to initialize with store data
+onMounted(async () => {
+  try {
+    // Simple store access without composable
+    const membersStore = useMembersStore()
+    const streamsStore = useStreamsStore()
+    const policiesStore = usePoliciesStore()
+    
+    // Update reactive values
+    currentMode.value = policiesStore.operatingMode || 'minimum'
+    memberCount.value = membersStore.members?.length || 0
+    streamCount.value = streamsStore.streams?.length || 0
+    
+    // Simple member list
+    membersList.value = membersStore.members?.map(m => ({
+      name: m.displayName || 'Unknown',
+      relationship: m.payRelationship || 'Unknown'
+    })) || []
+    
+    console.log('Dashboard initialized:', {
+      mode: currentMode.value,
+      members: memberCount.value,
+      streams: streamCount.value
+    })
+    
+  } catch (error) {
+    console.error('Error initializing simple dashboard:', error)
+  }
+})
+</script>

pages/dashboard.vue

@@ -0,0 +1,48 @@
+<template>
+  <div class="max-w-6xl mx-auto px-4 py-6 space-y-8" data-ui="dashboard_v1">
+    <!-- Header -->
+    <div class="flex items-center justify-between">
+      <h1 class="text-2xl font-semibold">Dashboard</h1>
+      <div class="flex items-center gap-3">
+        <span class="text-sm text-gray-600">Min</span>
+        <UToggle
+          :model-value="operatingMode === 'target'"
+          @update:model-value="(value) => setOperatingMode(value ? 'target' : 'min')"
+        />
+        <span class="text-sm text-gray-600">Target</span>
+      </div>
+    </div>
+
+    <!-- Core Metrics -->
+    <DashboardCoreMetrics />
+
+    <!-- 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>
+
+<script setup lang="ts">
+// 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()
+</script>

pages/index.vue

@@ -1,7 +1,20 @@
 <template>
   <section class="py-8 space-y-6">
     <div class="flex items-center justify-between">
-      <h2 class="text-2xl font-semibold">Dashboard</h2>
+      <div>
+        <h2 class="text-2xl font-semibold">Dashboard</h2>
+        <div class="flex items-center gap-2 mt-1">
+          <UBadge 
+            :color="policiesStore.operatingMode === 'target' ? 'primary' : 'gray'"
+            size="xs"
+          >
+            {{ policiesStore.operatingMode === 'target' ? '🎯 Target Mode' : '⚡ Min Mode' }}
+          </UBadge>
+          <span class="text-xs text-gray-500">
+            Runway: {{ Math.round(metrics.runway) }}mo
+          </span>
+        </div>
+      </div>
       <div class="flex gap-2">
         <UButton
           icon="i-heroicons-arrow-down-tray"
@@ -29,10 +42,10 @@
         description="Funded hours vs target capacity across all members." />
 
       <ReserveMeter
-        :current-savings="metrics.finances.currentBalances.savings"
+        :current-savings="savingsProgress.current"
-        :savings-target-months="metrics.finances.policies.savingsTargetMonths"
+        :savings-target-months="savingsProgress.targetMonths"
-        :monthly-burn="metrics.monthlyBurn"
+        :monthly-burn="getMonthlyBurn()"
-        description="Build savings to your target before increasing paid hours." />
+        :description="`${savingsProgress.progressPct.toFixed(0)}% of savings target reached. ${savingsProgress.gap > 0 ? 'Gap: ' + $format.currency(savingsProgress.gap) : 'Target achieved!'}`" />
 
       <UCard>
         <div class="text-center space-y-3">
@@ -58,43 +71,98 @@
       </UCard>
     </div>
 
+    <!-- Quick Wins Dashboard Components -->
+    <div class="grid grid-cols-1 lg:grid-cols-3 gap-6">
+      <!-- Needs Coverage Bars -->
+      <UCard>
+        <template #header>
+          <h3 class="text-lg font-medium">Member Coverage</h3>
+        </template>
+        <NeedsCoverageBars />
+      </UCard>
+
+      <!-- Revenue Mix -->
+      <UCard>
+        <template #header>
+          <h3 class="text-lg font-medium">Revenue Mix</h3>
+        </template>
+        <RevenueMixTable />
+      </UCard>
+
+      <!-- Milestone-Runway Overlay -->
+      <UCard>
+        <template #header>
+          <h3 class="text-lg font-medium">Runway vs Milestones</h3>
+        </template>
+        <MilestoneRunwayOverlay />
+      </UCard>
+    </div>
+
     <!-- Alerts Section -->
     <UCard>
       <template #header>
         <h3 class="text-lg font-medium">Alerts</h3>
       </template>
       <div class="space-y-3">
+        <!-- Concentration Risk Alert -->
         <UAlert
+          v-if="topSourcePct > 50"
           color="red"
           variant="subtle"
           icon="i-heroicons-exclamation-triangle"
           title="Revenue Concentration Risk"
-          description="Most of your money comes from one place. Add another stream to reduce risk."
+          :description="`${topStreamName} = ${topSourcePct}% of total → consider balancing`"
-          :actions="[{ label: 'Plan Mix', click: () => navigateTo('/mix') }]" />
+          :actions="[
+            { label: 'Plan Mix', click: () => handleAlertNavigation('/mix', 'concentration') },
+            { label: 'Scenarios', click: () => handleAlertNavigation('/scenarios', 'diversification') }
+          ]" />
+          
+        <!-- Cushion Breach Alert -->
         <UAlert
+          v-if="alerts.cushionBreach"
           color="orange"
           variant="subtle"
           icon="i-heroicons-calendar"
           title="Cash Cushion Breach Forecast"
-          :description="cashBreachDescription"
+          :description="`Projected to breach minimum cushion in week ${cushionForecast.firstBreachWeek || 'unknown'}`"
           :actions="[
-            { label: 'View Calendar', click: () => navigateTo('/cash') },
+            { label: 'View Calendar', click: () => handleAlertNavigation('/cash', 'breach-forecast') },
+            { label: 'Adjust Budget', click: () => handleAlertNavigation('/budget', 'expenses') }
           ]" />
+          
+        <!-- Savings Below Target Alert -->
         <UAlert
+          v-if="alerts.savingsBelowTarget"
           color="yellow"
           variant="subtle"
           icon="i-heroicons-banknotes"
           title="Savings Below Target"
-          description="Build savings to your target before increasing paid hours."
+          :description="`${savingsProgress.progressPct.toFixed(0)}% of target reached. Build savings before increasing paid hours.`"
           :actions="[
-            { label: 'View Progress', click: () => navigateTo('/budget') },
+            { label: 'View Progress', click: () => handleAlertNavigation('/budget', 'savings') },
+            { label: 'Adjust Policies', click: () => handleAlertNavigation('/coop-builder', 'policies') }
           ]" />
+          
+        <!-- Over-Deferred Member Alert -->
         <UAlert
-          color="amber"
+          v-if="deferredAlert.show"
+          color="purple"
           variant="subtle"
-          icon="i-heroicons-clock"
+          icon="i-heroicons-user-group"
-          title="Over-Deferred Member"
+          title="Member Over-Deferred"
-          description="Alex has reached 85% of quarterly deferred cap." />
+          :description="deferredAlert.description"
+          :actions="[
+            { label: 'Review Members', click: () => handleAlertNavigation('/coop-builder', 'members') },
+            { label: 'Value Session', click: () => handleAlertNavigation('/session', 'distributions') }
+          ]" />
+          
+        <!-- Success message when no alerts -->
+        <div v-if="!alerts.cushionBreach && !alerts.savingsBelowTarget && topSourcePct <= 50 && !deferredAlert.show" 
+             class="text-center py-8 text-gray-500">
+          <UIcon name="i-heroicons-check-circle" class="w-8 h-8 mx-auto mb-2 text-green-500" />
+          <p class="font-medium">All systems looking good!</p>
+          <p class="text-sm">No critical alerts at this time.</p>
+        </div>
       </div>
     </UCard>
 
@@ -104,37 +172,46 @@
         <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">Operate Current</h4>
+            <h4 class="font-medium text-sm">{{ scenarios.current.name }}</h4>
-            <UBadge color="green" variant="subtle" size="xs">Active</UBadge>
+            <UBadge color="green" variant="subtle" size="xs">{{ scenarios.current.status }}</UBadge>
           </div>
-          <div class="text-2xl font-bold text-orange-600 mb-1">
+          <div class="text-2xl font-bold mb-1" :class="getRunwayColor(scenarios.current.runway)">
-            {{ scenarioMetrics.current.runway }} months
+            {{ Math.round(scenarios.current.runway * 10) / 10 }} months
           </div>
-          <p class="text-xs text-neutral-600">Continue existing plan</p>
+          <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">Quit Day Jobs</h4>
+            <h4 class="font-medium text-sm">{{ scenarios.quitJobs.name }}</h4>
-            <UBadge color="gray" variant="subtle" size="xs">Scenario</UBadge>
+            <UBadge color="gray" variant="subtle" size="xs">{{ scenarios.quitJobs.status }}</UBadge>
           </div>
-          <div class="text-2xl font-bold text-red-600 mb-1">
+          <div class="text-2xl font-bold mb-1" :class="getRunwayColor(scenarios.quitJobs.runway)">
-            {{ scenarioMetrics.quitJobs.runway }} months
+            {{ Math.round(scenarios.quitJobs.runway * 10) / 10 }} months
           </div>
-          <p class="text-xs text-neutral-600">Full-time co-op work</p>
+          <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">Start Production</h4>
+            <h4 class="font-medium text-sm">{{ scenarios.startProduction.name }}</h4>
-            <UBadge color="gray" variant="subtle" size="xs">Scenario</UBadge>
+            <UBadge color="gray" variant="subtle" size="xs">{{ scenarios.startProduction.status }}</UBadge>
           </div>
-          <div class="text-2xl font-bold text-yellow-600 mb-1">
+          <div class="text-2xl font-bold mb-1" :class="getRunwayColor(scenarios.startProduction.runway)">
-            {{ scenarioMetrics.startProduction.runway }} months
+            {{ Math.round(scenarios.startProduction.runway * 10) / 10 }} months
           </div>
-          <p class="text-xs text-neutral-600">Launch development</p>
+          <p class="text-xs text-neutral-600">
+            Net: {{ $format.currency(scenarios.startProduction.monthlyNet) }}/mo
+          </p>
         </div>
       </div>
       <div class="mt-4">
@@ -214,6 +291,100 @@
       </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">
       <UButton
@@ -274,6 +445,34 @@ const streamsStore = useStreamsStore();
 const budgetStore = useBudgetStore();
 const cashStore = useCashStore();
 
+// Runway composable with operating mode integration
+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(() => {
   const totalTargetHours = membersStore.members.reduce(
@@ -291,24 +490,26 @@ const metrics = computed(() => {
     0
   );
 
-  const monthlyPayroll =
+  // Use integrated runway calculations that respect operating mode
-    totalTargetHours *
+  const currentMode = policiesStore.operatingMode || 'minimum';
-    policiesStore.equalHourlyWage *
+  const monthlyBurn = getMonthlyBurn(currentMode);
-    (1 + policiesStore.payrollOncostPct / 100);
   
-  const monthlyBurn = monthlyPayroll + totalOverheadCosts;
+  // Use actual cash store values with fallback
+  const cash = cashStore.currentCash || 50000;
+  const savings = cashStore.currentSavings || 15000;
+  const totalLiquid = cash + savings;
   
-  // Use actual cash store values
+  // Get dual-mode runway data
-  const totalLiquid = cashStore.currentCash + cashStore.currentSavings;
+  const runwayData = getDualModeRunway(cash, savings);
-
+  const runway = currentMode === 'target' ? runwayData.target : runwayData.minimum;
-  const runway = monthlyBurn > 0 ? totalLiquid / monthlyBurn : 0;
 
   return {
     totalTargetHours,
     totalTargetRevenue,
-    monthlyPayroll,
+    monthlyPayroll: runwayData.minBurn, // Use actual calculated payroll
     monthlyBurn,
     runway,
+    runwayData, // Include dual-mode data
     finances: {
       currentBalances: {
         cash: cashStore.currentCash,
@@ -346,6 +547,14 @@ const topSourcePct = computed(() => {
   return total > 0 ? Math.round((Math.max(...amounts) / total) * 100) : 0;
 });
 
+const topStreamName = computed(() => {
+  if (streamsStore.streams.length === 0) return 'No streams';
+  const amounts = streamsStore.streams.map((s) => s.targetMonthlyAmount || 0);
+  const maxAmount = Math.max(...amounts);
+  const topStream = streamsStore.streams.find(s => (s.targetMonthlyAmount || 0) === maxAmount);
+  return topStream?.name || 'Unknown stream';
+});
+
 const concentrationStatus = computed(() => {
   if (topSourcePct.value > 50) return "red";
   if (topSourcePct.value > 35) return "yellow";
@@ -358,6 +567,12 @@ const concentrationColor = computed(() => {
   return "text-green-600";
 });
 
+function getRunwayColor(months: number): string {
+  if (months >= 6) return 'text-green-600'
+  if (months >= 3) return 'text-yellow-600' 
+  return 'text-red-600'
+}
+
 // Calculate scenario metrics
 const scenarioMetrics = computed(() => {
   const baseRunway = metrics.value.runway;
@@ -413,4 +628,169 @@ 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(() => {
+  const maxDeferredRatio = 1.5; // From CLAUDE.md - flag if >1.5× monthly payroll
+  const monthlyPayrollCost = getMonthlyBurn() * 0.7; // Estimate payroll as 70% of burn
+  const totalDeferred = membersStore.members.reduce(
+    (sum, m) => sum + (m.deferredHours || 0) * policiesStore.equalHourlyWage,
+    0
+  );
+  
+  const deferredRatio = monthlyPayrollCost > 0 ? totalDeferred / monthlyPayrollCost : 0;
+  const show = deferredRatio > maxDeferredRatio;
+  
+  const overDeferredMembers = membersStore.members.filter(m => {
+    const memberDeferred = (m.deferredHours || 0) * policiesStore.equalHourlyWage;
+    const memberMonthlyPay = m.monthlyPayPlanned || 0;
+    return memberDeferred > memberMonthlyPay * 2; // Member has >2 months of pay deferred
+  });
+  
+  return {
+    show,
+    description: show 
+      ? `${overDeferredMembers.length} member(s) over deferred cap. Total: ${(deferredRatio * 100).toFixed(0)}% of monthly payroll.`
+      : ''
+  };
+});
+
+// Alert navigation with context
+function handleAlertNavigation(path: string, section?: string) {
+  // Store alert context for target page to highlight relevant section
+  if (section) {
+    localStorage.setItem('urgent-tools-alert-context', JSON.stringify({ section, timestamp: Date.now() }));
+  }
+  navigateTo(path);
+};
 </script>

plugins/piniaPersistedState.client.ts

@@ -1,7 +1,6 @@
-import { defineNuxtPlugin } from "#app";
+import { defineNuxtPlugin } from '#app'
-import { createPersistedState } from "pinia-plugin-persistedstate";
+import piniaPluginPersistedstate from 'pinia-plugin-persistedstate'
 
 export default defineNuxtPlugin((nuxtApp) => {
-  // Register persisted state plugin for Pinia on client
+  nuxtApp.$pinia.use(piniaPluginPersistedstate)
-  nuxtApp.$pinia.use(createPersistedState());
+})
-});

sample/skillsToOffersSamples.ts

@@ -1,40 +0,0 @@
-import type { Member, SkillTag, ProblemTag } from "~/types/coaching";
-import { skillsCatalog, problemsCatalog } from "~/data/skillsProblems";
-
-export const membersSample: Member[] = [
-  {
-    id: "sample-1",
-    name: "Maya Chen",
-    role: "Design Lead",
-    hourly: 32,
-    availableHrs: 40
-  },
-  {
-    id: "sample-2", 
-    name: "Alex Rivera",
-    role: "Developer",
-    hourly: 45,
-    availableHrs: 30
-  },
-  {
-    id: "sample-3",
-    name: "Jordan Blake",
-    role: "Content Writer", 
-    hourly: 28,
-    availableHrs: 20
-  }
-];
-
-export const skillsCatalogSample: SkillTag[] = skillsCatalog;
-
-export const problemsCatalogSample: ProblemTag[] = problemsCatalog;
-
-// Pre-selected sample data for quick demos
-export const sampleSelections = {
-  selectedSkillsByMember: {
-    "sample-1": ["design", "facilitation"], // Maya: Design + Facilitation
-    "sample-2": ["dev", "pm"],              // Alex: Dev + PM  
-    "sample-3": ["writing", "marketing"]    // Jordan: Writing + Marketing
-  },
-  selectedProblems: ["unclear-pitch", "need-landing-store-page"]
-};

stores/budget.ts

@@ -1,4 +1,5 @@
 import { defineStore } from "pinia";
+import { allocatePayroll } from "~/types/members";
 
 export const useBudgetStore = defineStore(
   "budget",
@@ -69,8 +70,26 @@ export const useBudgetStore = defineStore(
       "Other Expenses",
     ]);
 
+    // Define budget item type
+    interface BudgetItem {
+      id: string;
+      name: string;
+      mainCategory: string;
+      subcategory: string;
+      source: string;
+      monthlyValues: Record<string, number>;
+      values: {
+        year1: { best: number; worst: number; mostLikely: number };
+        year2: { best: number; worst: number; mostLikely: number };
+        year3: { best: number; worst: number; mostLikely: number };
+      };
+    }
+
     // NEW: Budget worksheet structure (starts empty, populated from wizard data)
-    const budgetWorksheet = ref({
+    const budgetWorksheet = ref<{
+      revenue: BudgetItem[];
+      expenses: BudgetItem[];
+    }>({
       revenue: [],
       expenses: [],
     });
@@ -271,6 +290,30 @@ export const useBudgetStore = defineStore(
       currentPeriod.value = period;
     }
 
+    // Helper function to map stream category to budget category
+    function mapStreamToBudgetCategory(streamCategory) {
+      const categoryLower = (streamCategory || "").toLowerCase();
+      
+      // More comprehensive category mapping
+      if (categoryLower.includes("game") || categoryLower.includes("product")) {
+        return "Games & Products";
+      } else if (categoryLower.includes("service") || categoryLower.includes("consulting")) {
+        return "Services & Contracts";
+      } else if (categoryLower.includes("grant") || categoryLower.includes("funding")) {
+        return "Grants & Funding";
+      } else if (categoryLower.includes("community") || categoryLower.includes("donation")) {
+        return "Community Support";
+      } else if (categoryLower.includes("partnership")) {
+        return "Partnerships";
+      } else if (categoryLower.includes("investment")) {
+        return "Investment Income";
+      } else if (categoryLower.includes("other")) {
+        return "Services & Contracts"; // Map "Other" to services as fallback
+      } else {
+        return "Games & Products"; // Default fallback
+      }
+    }
+
     // Initialize worksheet from wizard data
     async function initializeFromWizardData() {
       if (isInitialized.value && budgetWorksheet.value.revenue.length > 0) {
@@ -280,340 +323,232 @@ export const useBudgetStore = defineStore(
 
       console.log("Initializing budget from wizard data...");
 
-      // Import stores dynamically to avoid circular deps
+      try {
-      const { useStreamsStore } = await import("./streams");
+        // Use the new coopBuilder store instead of the old stores
-      const { useMembersStore } = await import("./members");
+        const coopStore = useCoopBuilderStore();
-      const { usePoliciesStore } = await import("./policies");
 
-      const streamsStore = useStreamsStore();
+        console.log("Streams:", coopStore.streams.length, "streams");
-      const membersStore = useMembersStore();
+        console.log("Members:", coopStore.members.length, "members");
-      const policiesStore = usePoliciesStore();
+        console.log("Equal wage:", coopStore.equalHourlyWage || "No wage set");
+        console.log("Overhead costs:", coopStore.overheadCosts.length, "costs");
 
-      console.log("Streams:", streamsStore.streams.length, "streams");
+        // Clear existing data
-      console.log("Members capacity:", membersStore.capacityTotals);
+        budgetWorksheet.value.revenue = [];
-      console.log("Policies wage:", policiesStore.equalHourlyWage);
+        budgetWorksheet.value.expenses = [];
 
-      // Clear existing data
+        // Add revenue streams from wizard (but don't auto-load fixtures)
-      budgetWorksheet.value.revenue = [];
+        // Note: We don't auto-load fixtures anymore, but wizard data should still work
-      budgetWorksheet.value.expenses = [];
 
-      // Add revenue streams from wizard
+        coopStore.streams.forEach((stream) => {
-      if (streamsStore.streams.length === 0) {
+          const monthlyAmount = stream.monthly || 0;
-        console.log("No wizard streams found, adding sample data");
+          console.log(
-        // Initialize with minimal demo if no wizard data exists
+            "Adding stream:",
-        await streamsStore.initializeWithFixtures();
+            stream.label,
-      }
+            "category:",
+            stream.category,
+            "amount:",
+            monthlyAmount
+          );
 
-      streamsStore.streams.forEach((stream) => {
+          // Use the helper function for category mapping
-        const monthlyAmount = stream.targetMonthlyAmount || 0;
+          const mappedCategory = mapStreamToBudgetCategory(stream.category);
-        console.log(
-          "Adding stream:",
-          stream.name,
-          "category:",
-          stream.category,
-          "subcategory:",
-          stream.subcategory,
-          "amount:",
-          monthlyAmount
-        );
-        console.log("Full stream object:", stream);
 
-        // Simple category mapping - just map the key categories we know exist
+          console.log(
-        let mappedCategory = "Games & Products"; // Default
+            "Mapped category from",
-        const categoryLower = (stream.category || "").toLowerCase();
+            stream.category,
-        if (categoryLower === "games" || categoryLower === "product")
+            "to",
-          mappedCategory = "Games & Products";
+            mappedCategory
-        else if (categoryLower === "services" || categoryLower === "service")
+          );
-          mappedCategory = "Services & Contracts";
-        else if (categoryLower === "grants" || categoryLower === "grant")
-          mappedCategory = "Grants & Funding";
-        else if (categoryLower === "community")
-          mappedCategory = "Community Support";
-        else if (
-          categoryLower === "partnerships" ||
-          categoryLower === "partnership"
-        )
-          mappedCategory = "Partnerships";
-        else if (categoryLower === "investment")
-          mappedCategory = "Investment Income";
 
-        console.log(
+          // Create monthly values - split the annual target evenly across 12 months
-          "Mapped category from",
+          const monthlyValues: Record<string, number> = {};
-          stream.category,
-          "to",
-          mappedCategory
-        );
-
-        // Create monthly values - split the annual target evenly across 12 months
-        const 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(
-            date.getMonth() + 1
-          ).padStart(2, "0")}`;
-          monthlyValues[monthKey] = monthlyAmount;
-        }
-        console.log(
-          "Created monthly values for",
-          stream.name,
-          ":",
-          monthlyValues
-        );
-
-        budgetWorksheet.value.revenue.push({
-          id: `revenue-${stream.id}`,
-          name: stream.name,
-          mainCategory: mappedCategory,
-          subcategory: stream.subcategory || "Direct sales", // Use actual subcategory from stream
-          source: "wizard",
-          monthlyValues,
-          values: {
-            year1: {
-              best: monthlyAmount * 12,
-              worst: monthlyAmount * 6,
-              mostLikely: monthlyAmount * 10,
-            },
-            year2: {
-              best: monthlyAmount * 15,
-              worst: monthlyAmount * 8,
-              mostLikely: monthlyAmount * 12,
-            },
-            year3: {
-              best: monthlyAmount * 18,
-              worst: monthlyAmount * 10,
-              mostLikely: monthlyAmount * 15,
-            },
-          },
-        });
-      });
-
-      // Add payroll from wizard data
-      const totalHours = membersStore.capacityTotals.targetHours || 0;
-      const hourlyWage = policiesStore.equalHourlyWage || 0;
-      const oncostPct = policiesStore.payrollOncostPct || 0;
-      if (totalHours > 0 && hourlyWage > 0) {
-        const monthlyPayroll = totalHours * hourlyWage * (1 + oncostPct / 100);
-
-        // Create monthly values for payroll
-        const monthlyValues = {};
-        const today = new Date();
-        for (let i = 0; i < 12; i++) {
-          const date = new Date(today.getFullYear(), today.getMonth() + i, 1);
-          const monthKey = `${date.getFullYear()}-${String(
-            date.getMonth() + 1
-          ).padStart(2, "0")}`;
-          monthlyValues[monthKey] = monthlyPayroll;
-        }
-
-        budgetWorksheet.value.expenses.push({
-          id: "expense-payroll",
-          name: "Payroll",
-          mainCategory: "Salaries & Benefits",
-          subcategory: "Base wages and benefits",
-          source: "wizard",
-          monthlyValues,
-          values: {
-            year1: {
-              best: monthlyPayroll * 12,
-              worst: monthlyPayroll * 8,
-              mostLikely: monthlyPayroll * 12,
-            },
-            year2: {
-              best: monthlyPayroll * 14,
-              worst: monthlyPayroll * 10,
-              mostLikely: monthlyPayroll * 13,
-            },
-            year3: {
-              best: monthlyPayroll * 16,
-              worst: monthlyPayroll * 12,
-              mostLikely: monthlyPayroll * 15,
-            },
-          },
-        });
-      }
-
-      // Add overhead costs from wizard
-      overheadCosts.value.forEach((cost) => {
-        if (cost.amount > 0) {
-          const annualAmount = cost.amount * 12;
-          // Map overhead cost categories to expense categories
-          let expenseCategory = "Other Expenses"; // Default
-          if (cost.category === "Operations")
-            expenseCategory = "Office & Operations";
-          else if (cost.category === "Technology")
-            expenseCategory = "Equipment & Technology";
-          else if (cost.category === "Legal")
-            expenseCategory = "Legal & Professional";
-          else if (cost.category === "Marketing")
-            expenseCategory = "Marketing & Outreach";
-
-          // Create monthly values for overhead costs
-          const monthlyValues = {};
           const today = new Date();
           for (let i = 0; i < 12; i++) {
             const date = new Date(today.getFullYear(), today.getMonth() + i, 1);
             const monthKey = `${date.getFullYear()}-${String(
               date.getMonth() + 1
             ).padStart(2, "0")}`;
-            monthlyValues[monthKey] = cost.amount;
+            monthlyValues[monthKey] = monthlyAmount;
           }
+          console.log(
+            "Created monthly values for",
+            stream.label,
+            ":",
+            monthlyValues
+          );
 
-          budgetWorksheet.value.expenses.push({
+          budgetWorksheet.value.revenue.push({
-            id: `expense-${cost.id}`,
+            id: `revenue-${stream.id}`,
-            name: cost.name,
+            name: stream.label,
-            mainCategory: expenseCategory,
+            mainCategory: mappedCategory,
-            subcategory: cost.name, // Use the cost name as subcategory
+            subcategory: "Direct sales", // Default subcategory for coopStore streams
             source: "wizard",
             monthlyValues,
             values: {
               year1: {
-                best: annualAmount,
+                best: monthlyAmount * 12,
-                worst: annualAmount * 0.8,
+                worst: monthlyAmount * 6,
-                mostLikely: annualAmount,
+                mostLikely: monthlyAmount * 10,
               },
               year2: {
-                best: annualAmount * 1.1,
+                best: monthlyAmount * 15,
-                worst: annualAmount * 0.9,
+                worst: monthlyAmount * 8,
-                mostLikely: annualAmount * 1.05,
+                mostLikely: monthlyAmount * 12,
               },
               year3: {
-                best: annualAmount * 1.2,
+                best: monthlyAmount * 18,
-                worst: annualAmount,
+                worst: monthlyAmount * 10,
-                mostLikely: annualAmount * 1.1,
+                mostLikely: monthlyAmount * 15,
               },
             },
           });
-        }
+        });
-      });
 
-      // Add production costs from wizard
+        // Add payroll from wizard data using the allocatePayroll function
-      productionCosts.value.forEach((cost) => {
+        const totalHours = coopStore.members.reduce((sum, m) => sum + (m.hoursPerMonth || 0), 0);
-        if (cost.amount > 0) {
+        const hourlyWage = coopStore.equalHourlyWage || 0;
-          const annualAmount = cost.amount * 12;
+        const oncostPct = coopStore.payrollOncostPct || 0;
-          // Create monthly values for production costs
+      
-          const monthlyValues = {};
+        // Calculate total payroll budget (before oncosts)
+        const basePayrollBudget = totalHours * hourlyWage;
+        
+        if (basePayrollBudget > 0 && coopStore.members.length > 0) {
+          // Calculate total with oncosts
+          const monthlyPayroll = basePayrollBudget * (1 + oncostPct / 100);
+
+          // 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(
               date.getMonth() + 1
             ).padStart(2, "0")}`;
-            monthlyValues[monthKey] = cost.amount;
+            monthlyValues[monthKey] = monthlyPayroll;
           }
 
           budgetWorksheet.value.expenses.push({
-            id: `expense-${cost.id}`,
+            id: "expense-payroll",
-            name: cost.name,
+            name: "Payroll",
-            mainCategory: "Development Costs",
+            mainCategory: "Salaries & Benefits",
-            subcategory: cost.name, // Use the cost name as subcategory
+            subcategory: "Base wages and benefits",
             source: "wizard",
             monthlyValues,
             values: {
               year1: {
-                best: annualAmount,
+                best: monthlyPayroll * 12,
-                worst: annualAmount * 0.7,
+                worst: monthlyPayroll * 8,
-                mostLikely: annualAmount * 0.9,
+                mostLikely: monthlyPayroll * 12,
               },
               year2: {
-                best: annualAmount * 1.2,
+                best: monthlyPayroll * 14,
-                worst: annualAmount * 0.8,
+                worst: monthlyPayroll * 10,
-                mostLikely: annualAmount,
+                mostLikely: monthlyPayroll * 13,
               },
               year3: {
-                best: annualAmount * 1.3,
+                best: monthlyPayroll * 16,
-                worst: annualAmount * 0.9,
+                worst: monthlyPayroll * 12,
-                mostLikely: annualAmount * 1.1,
+                mostLikely: monthlyPayroll * 15,
               },
             },
           });
         }
-      });
 
-      // If still no data after initialization, add a sample row
+        // Add overhead costs from wizard
-      if (budgetWorksheet.value.revenue.length === 0) {
+        coopStore.overheadCosts.forEach((cost) => {
-        console.log("Adding sample revenue line");
+          if (cost.amount && cost.amount > 0) {
-        // Create monthly values for sample revenue
+            const annualAmount = cost.amount * 12;
-        const monthlyValues = {};
+            // Map overhead cost categories to expense categories
-        const today = new Date();
+            let expenseCategory = "Other Expenses"; // Default
-        for (let i = 0; i < 12; i++) {
+            if (cost.category === "Operations")
-          const date = new Date(today.getFullYear(), today.getMonth() + i, 1);
+              expenseCategory = "Office & Operations";
-          const monthKey = `${date.getFullYear()}-${String(
+            else if (cost.category === "Tools")
-            date.getMonth() + 1
+              expenseCategory = "Equipment & Technology";
-          ).padStart(2, "0")}`;
+            else if (cost.category === "Professional")
-          monthlyValues[monthKey] = 667; // ~8000/12
+              expenseCategory = "Legal & Professional";
-        }
+            else if (cost.category === "Marketing")
+              expenseCategory = "Marketing & Outreach";
 
-        budgetWorksheet.value.revenue.push({
+            // Create monthly values for overhead costs
-          id: "revenue-sample",
+            const monthlyValues: Record<string, number> = {};
-          name: "Sample Revenue",
+            const today = new Date();
-          mainCategory: "Games & Products",
+            for (let i = 0; i < 12; i++) {
-          subcategory: "Direct sales",
+              const date = new Date(today.getFullYear(), today.getMonth() + i, 1);
-          source: "user",
+              const monthKey = `${date.getFullYear()}-${String(
-          monthlyValues,
+                date.getMonth() + 1
-          values: {
+              ).padStart(2, "0")}`;
-            year1: { best: 10000, worst: 5000, mostLikely: 8000 },
+              monthlyValues[monthKey] = cost.amount;
-            year2: { best: 12000, worst: 6000, mostLikely: 10000 },
+            }
-            year3: { best: 15000, worst: 8000, mostLikely: 12000 },
+
-          },
+            budgetWorksheet.value.expenses.push({
+              id: `expense-${cost.id}`,
+              name: cost.name,
+              mainCategory: expenseCategory,
+              subcategory: cost.name, // Use the cost name as subcategory
+              source: "wizard",
+              monthlyValues,
+              values: {
+                year1: {
+                  best: annualAmount,
+                  worst: annualAmount * 0.8,
+                  mostLikely: annualAmount,
+                },
+                year2: {
+                  best: annualAmount * 1.1,
+                  worst: annualAmount * 0.9,
+                  mostLikely: annualAmount * 1.05,
+                },
+                year3: {
+                  best: annualAmount * 1.2,
+                  worst: annualAmount,
+                  mostLikely: annualAmount * 1.1,
+                },
+              },
+            });
+          }
         });
-      }
 
-      if (budgetWorksheet.value.expenses.length === 0) {
+        // Production costs are handled within overhead costs in the new architecture
-        console.log("Adding sample expense line");
-        // Create monthly values for sample expense
-        const 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(
-            date.getMonth() + 1
-          ).padStart(2, "0")}`;
-          monthlyValues[monthKey] = 67; // ~800/12
-        }
 
-        budgetWorksheet.value.expenses.push({
+        // DISABLED: No sample data - budget should start empty
-          id: "expense-sample",
+        // if (budgetWorksheet.value.revenue.length === 0) {
-          name: "Sample Expense",
+        //   console.log("Adding sample revenue line");
-          mainCategory: "Other Expenses",
+        //   // ... sample revenue creation code removed
-          subcategory: "Miscellaneous",
+        // }
-          source: "user",
+
-          monthlyValues,
+        // DISABLED: No sample data - expenses should start empty
-          values: {
+        // if (budgetWorksheet.value.expenses.length === 0) {
-            year1: { best: 1000, worst: 500, mostLikely: 800 },
+        //   console.log("Adding sample expense line");
-            year2: { best: 1200, worst: 600, mostLikely: 1000 },
+        //   // ... sample expense creation code removed
-            year3: { best: 1500, worst: 800, mostLikely: 1200 },
+        // }
-          },
+
+        // Debug: Log all revenue items and their categories
+        console.log("Final revenue items:");
+        budgetWorksheet.value.revenue.forEach((item) => {
+          console.log(
+            `- ${item.name}: ${item.mainCategory} > ${item.subcategory} (${item.values.year1.mostLikely})`
+          );
         });
-      }
 
-      // Debug: Log all revenue items and their categories
+        console.log("Final expense items:");
-      console.log("Final revenue items:");
+        budgetWorksheet.value.expenses.forEach((item) => {
-      budgetWorksheet.value.revenue.forEach((item) => {
+          console.log(
-        console.log(
+            `- ${item.name}: ${item.mainCategory} > ${item.subcategory} (${item.values.year1.mostLikely})`
-          `- ${item.name}: ${item.mainCategory} > ${item.subcategory} (${item.values.year1.mostLikely})`
+          );
-        );
+        });
-      });
 
-      console.log("Final expense items:");
+        // Ensure all items have monthlyValues and new structure - migrate existing items
-      budgetWorksheet.value.expenses.forEach((item) => {
+        [
-        console.log(
+          ...budgetWorksheet.value.revenue,
-          `- ${item.name}: ${item.mainCategory} > ${item.subcategory} (${item.values.year1.mostLikely})`
+          ...budgetWorksheet.value.expenses,
-        );
+        ].forEach((item) => {
-      });
+          // Migrate to new structure if needed
+          if (item.category && !item.mainCategory) {
+            console.log("Migrating item structure for:", item.name);
+            item.mainCategory = item.category; // Old category becomes mainCategory
 
-      // Ensure all items have monthlyValues and new structure - migrate existing items
+            // Set appropriate subcategory based on the main category and item name
-      [
+            if (item.category === "Games & Products") {
-        ...budgetWorksheet.value.revenue,
-        ...budgetWorksheet.value.expenses,
-      ].forEach((item) => {
-        // Migrate to new structure if needed
-        if (item.category && !item.mainCategory) {
-          console.log("Migrating item structure for:", item.name);
-          item.mainCategory = item.category; // Old category becomes mainCategory
-
-          // Set appropriate subcategory based on the main category and item name
-          if (item.category === "Games & Products") {
             const gameSubcategories = [
               "Direct sales",
               "Platform revenue share",
@@ -688,14 +623,22 @@ export const useBudgetStore = defineStore(
         }
       });
 
-      console.log(
+        console.log(
-        "Initialization complete. Revenue items:",
+          "Initialization complete. Revenue items:",
-        budgetWorksheet.value.revenue.length,
+          budgetWorksheet.value.revenue.length,
-        "Expense items:",
+          "Expense items:",
-        budgetWorksheet.value.expenses.length
+          budgetWorksheet.value.expenses.length
-      );
+        );
 
-      isInitialized.value = true;
+        isInitialized.value = true;
+      } catch (error) {
+        console.error("Error initializing budget from wizard data:", error);
+        
+        // DISABLED: No fallback sample data - budget should remain empty on errors
+        // Budget initialization complete (without automatic fallback data)
+        
+        isInitialized.value = true;
+      }
     }
 
     // NEW: Budget worksheet functions

stores/cash.ts

@@ -10,7 +10,7 @@ export const useCashStore = defineStore("cash", () => {
   // Week that first breaches minimum cushion
   const firstBreachWeek = ref(null);
 
-  // Current cash and savings balances - start with zeros
+  // Current cash and savings balances - start empty
   const currentCash = ref(0);
   const currentSavings = ref(0);
 
@@ -111,4 +111,14 @@ export const useCashStore = defineStore("cash", () => {
     stagePayment,
     updateCurrentBalances,
   };
+}, {
+  persist: {
+    key: "urgent-tools-cash",
+    paths: [
+      "currentCash",
+      "currentSavings", 
+      "cashEvents",
+      "paymentQueue"
+    ],
+  },
 });

stores/coop-builder.ts

@@ -1,28 +0,0 @@
-import { defineStore } from "pinia";
-
-export const useCoopBuilderStore = defineStore(
-  "coop-builder",
-  () => {
-    const currentStep = ref(1);
-
-    function setStep(step: number) {
-      currentStep.value = Math.min(Math.max(1, step), 5);
-    }
-
-    function reset() {
-      currentStep.value = 1;
-    }
-
-    return {
-      currentStep,
-      setStep,
-      reset,
-    };
-  },
-  {
-    persist: {
-      key: "urgent-tools-wizard",
-      paths: ["currentStep"],
-    },
-  }
-);

stores/coopBuilder.ts

@@ -0,0 +1,277 @@
+import { defineStore } from "pinia";
+
+export const useCoopBuilderStore = defineStore("coop", {
+  state: () => ({
+    operatingMode: "min" as "min" | "target",
+
+    // 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;
+    }>,
+
+    streams: [] as Array<{
+      id: string;
+      label: string;
+      monthly: number;
+      category?: string;
+      certainty?: string;
+    }>,
+
+    milestones: [] as Array<{
+      id: string;
+      label: string;
+      date: string;
+    }>,
+
+    // Scenario and stress test state
+    scenario: "current" as
+      | "current"
+      | "quit-jobs"
+      | "start-production"
+      | "custom",
+    stress: {
+      revenueDelay: 0,
+      costShockPct: 0,
+      grantLost: false,
+    },
+
+    // Policy settings
+    policy: {
+      relationship: "equal-pay" as "equal-pay" | "needs-weighted" | "hours-weighted" | "role-banded",
+      roleBands: {} as Record<string, number>,
+    },
+    equalHourlyWage: 50,
+    payrollOncostPct: 25,
+    savingsTargetMonths: 6,
+    minCashCushion: 10000,
+
+    // Cash reserves
+    currentCash: 50000,
+    currentSavings: 15000,
+
+    // Overhead costs
+    overheadCosts: [] as Array<{
+      id?: string;
+      name: string;
+      amount: number;
+      category?: string;
+    }>,
+  }),
+
+  getters: {
+    totalRevenue: (state) => {
+      return state.streams.reduce((sum, s) => sum + (s.monthly || 0), 0);
+    },
+
+    totalOverhead: (state) => {
+      return state.overheadCosts.reduce((sum, c) => sum + (c.amount || 0), 0);
+    },
+
+    totalLiquid: (state) => {
+      return state.currentCash + state.currentSavings;
+    },
+  },
+
+  actions: {
+    // Member actions
+    upsertMember(m: any) {
+      const i = this.members.findIndex((x) => x.id === m.id);
+      // Ensure all keys exist (prevents undefined stripping)
+      const withDefaults = {
+        id: m.id || Date.now().toString(),
+        name: m.name || m.displayName || "",
+        role: m.role ?? "",
+        hoursPerMonth: m.hoursPerMonth ?? 0,
+        minMonthlyNeeds: m.minMonthlyNeeds ?? 0,
+        targetMonthlyPay: m.targetMonthlyPay ?? 0,
+        externalMonthlyIncome: m.externalMonthlyIncome ?? 0,
+        monthlyPayPlanned: m.monthlyPayPlanned ?? 0,
+      };
+      if (i === -1) {
+        this.members.push(withDefaults);
+      } else {
+        this.members[i] = withDefaults;
+      }
+    },
+
+    removeMember(id: string) {
+      this.members = this.members.filter((m) => m.id !== id);
+    },
+
+    // Stream actions
+    upsertStream(s: any) {
+      const i = this.streams.findIndex((x) => x.id === s.id);
+      const withDefaults = {
+        id: s.id || Date.now().toString(),
+        label: s.label || s.name || "",
+        monthly: s.monthly || s.targetMonthlyAmount || 0,
+        category: s.category ?? "",
+        certainty: s.certainty ?? "Probable",
+      };
+      if (i === -1) {
+        this.streams.push(withDefaults);
+      } else {
+        this.streams[i] = withDefaults;
+      }
+    },
+
+    removeStream(id: string) {
+      this.streams = this.streams.filter((s) => s.id !== id);
+    },
+
+    // Milestone actions
+    addMilestone(label: string, date: string) {
+      this.milestones.push({
+        id: Date.now().toString(),
+        label,
+        date,
+      });
+    },
+
+    removeMilestone(id: string) {
+      this.milestones = this.milestones.filter((m) => m.id !== id);
+    },
+
+    // Operating mode
+    setOperatingMode(mode: "min" | "target") {
+      this.operatingMode = mode;
+    },
+
+    // Scenario
+    setScenario(
+      scenario: "current" | "quit-jobs" | "start-production" | "custom"
+    ) {
+      this.scenario = scenario;
+    },
+
+    // Stress test
+    updateStress(updates: Partial<typeof this.stress>) {
+      this.stress = { ...this.stress, ...updates };
+    },
+
+    // Policy updates
+    setPolicy(relationship: "equal-pay" | "needs-weighted" | "hours-weighted" | "role-banded") {
+      this.policy.relationship = relationship;
+    },
+
+    setRoleBands(bands: Record<string, number>) {
+      this.policy.roleBands = bands;
+    },
+
+    setEqualWage(wage: number) {
+      this.equalHourlyWage = wage;
+    },
+
+    setOncostPct(pct: number) {
+      this.payrollOncostPct = pct;
+    },
+
+    // Overhead costs
+    addOverheadCost(cost: any) {
+      const withDefaults = {
+        id: cost.id || Date.now().toString(),
+        name: cost.name || "",
+        amount: cost.amount || 0,
+        category: cost.category ?? "",
+      };
+      this.overheadCosts.push(withDefaults);
+    },
+
+    upsertOverheadCost(cost: any) {
+      const i = this.overheadCosts.findIndex((c) => c.id === cost.id);
+      const withDefaults = {
+        id: cost.id || Date.now().toString(),
+        name: cost.name || "",
+        amount: cost.amount || 0,
+        category: cost.category ?? "",
+      };
+      if (i === -1) {
+        this.overheadCosts.push(withDefaults);
+      } else {
+        this.overheadCosts[i] = withDefaults;
+      }
+    },
+
+    removeOverheadCost(id: string) {
+      this.overheadCosts = this.overheadCosts.filter((c) => c.id !== id);
+    },
+
+    // Initialize with default data if empty - DISABLED
+    // NO automatic initialization - stores should start empty
+    initializeDefaults() {
+      // DISABLED: No automatic data loading
+      // User must explicitly choose to load demo data
+      return;
+    },
+
+    // Clear ALL data - no exceptions
+    clearAll() {
+      // Reset ALL state to initial empty values
+      this._wasCleared = true;
+      this.operatingMode = "min";
+      this.members = [];
+      this.streams = [];
+      this.milestones = [];
+      this.scenario = "current";
+      this.stress = {
+        revenueDelay: 0,
+        costShockPct: 0,
+        grantLost: false,
+      };
+      this.policy = {
+        relationship: "equal-pay",
+        roleBands: {},
+      };
+      this.equalHourlyWage = 0;
+      this.payrollOncostPct = 0;
+      this.savingsTargetMonths = 0;
+      this.minCashCushion = 0;
+      this.currentCash = 0;
+      this.currentSavings = 0;
+      this.overheadCosts = [];
+
+      // Clear ALL localStorage data
+      if (typeof window !== "undefined") {
+        // Save cleared flag first
+        localStorage.setItem("urgent-tools-cleared-flag", "true");
+
+        // Remove all known keys
+        const keysToRemove = [
+          "coop_builder_v1",
+          "urgent-tools-members",
+          "urgent-tools-policies",
+          "urgent-tools-streams",
+          "urgent-tools-budget",
+          "urgent-tools-cash",
+          "urgent-tools-schema-version",
+        ];
+
+        keysToRemove.forEach((key) => localStorage.removeItem(key));
+
+        // Clear any other urgent-tools or coop keys
+        const allKeys = Object.keys(localStorage);
+        allKeys.forEach((key) => {
+          if (key.startsWith("urgent-tools-") || key.startsWith("coop_")) {
+            if (key !== "urgent-tools-cleared-flag") {
+              localStorage.removeItem(key);
+            }
+          }
+        });
+      }
+    },
+  },
+
+  persist: {
+    key: "coop_builder_v1",
+    storage: typeof window !== "undefined" ? localStorage : undefined,
+  },
+});

stores/members.ts

@@ -1,4 +1,6 @@
 import { defineStore } from "pinia";
+import { ref, computed } from 'vue';
+import { coverage, teamCoverageStats } from "~/types/members";
 
 export const useMembersStore = defineStore(
   "members",
@@ -34,10 +36,16 @@ export const useMembersStore = defineStore(
 
     // Normalize a member object to ensure required structure and sane defaults
     function normalizeMember(raw) {
+      // Calculate hoursPerWeek from targetHours (monthly) if not explicitly set
+      const targetHours = Number(raw.capacity?.targetHours) || 0;
+      const hoursPerWeek = raw.hoursPerWeek ?? (targetHours > 0 ? targetHours / 4.33 : 0);
+      
       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: {
           minHours: Number(raw.capacity?.minHours) || 0,
@@ -49,6 +57,11 @@ export const useMembersStore = defineStore(
         privacyNeeds: raw.privacyNeeds || "aggregate_ok",
         deferredHours: Number(raw.deferredHours ?? 0),
         quarterlyDeferredCap: Number(raw.quarterlyDeferredCap ?? 240),
+        // NEW fields for needs coverage
+        minMonthlyNeeds: Number(raw.minMonthlyNeeds) || 0,
+        targetMonthlyPay: Number(raw.targetMonthlyPay) || 0,
+        externalMonthlyIncome: Number(raw.externalMonthlyIncome) || 0,
+        monthlyPayPlanned: Number(raw.monthlyPayPlanned) || 0,
         ...raw,
       };
       return normalized;
@@ -187,6 +200,56 @@ export const useMembersStore = defineStore(
       members.value = [];
     }
 
+    // Coverage calculations for individual members
+    function getMemberCoverage(memberId) {
+      const member = members.value.find((m) => m.id === memberId);
+      if (!member) return { minPct: undefined, targetPct: undefined };
+      
+      return coverage(
+        member.minMonthlyNeeds || 0,
+        member.targetMonthlyPay || 0,
+        member.monthlyPayPlanned || 0,
+        member.externalMonthlyIncome || 0
+      );
+    }
+
+    // Team-wide coverage statistics
+    const teamStats = computed(() => teamCoverageStats(members.value));
+
+    // Pay policy configuration
+    const payPolicy = ref({
+      relationship: 'equal-pay' as const,
+      notes: '',
+      equalBase: 0,
+      needsWeight: 0.5,
+      roleBands: {},
+      hoursRate: 0,
+      customFormula: ''
+    });
+
+    // Setters for new fields
+    function setMonthlyNeeds(memberId, minNeeds, targetPay) {
+      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;
+      }
+    }
+
+    function setPlannedPay(memberId, planned) {
+      const member = members.value.find((m) => m.id === memberId);
+      if (member) {
+        member.monthlyPayPlanned = Number(planned) || 0;
+      }
+    }
+
     return {
       members,
       capacityTotals,
@@ -194,6 +257,8 @@ export const useMembersStore = defineStore(
       validationDetails,
       isValid,
       schemaVersion,
+      payPolicy,
+      teamStats,
       // Wizard actions
       upsertMember,
       setCapacity,
@@ -202,6 +267,11 @@ export const useMembersStore = defineStore(
       setExternalCoveragePct,
       setPrivacy,
       resetMembers,
+      // New coverage actions
+      setMonthlyNeeds,
+      setExternalIncome,
+      setPlannedPay,
+      getMemberCoverage,
       // Legacy actions
       addMember,
       updateMember,
@@ -211,7 +281,7 @@ export const useMembersStore = defineStore(
   {
     persist: {
       key: "urgent-tools-members",
-      paths: ["members", "privacyFlags"],
+      paths: ["members", "privacyFlags", "payPolicy"],
     },
   }
 );

stores/policies.ts

@@ -11,6 +11,13 @@ export const usePoliciesStore = defineStore(
     const payrollOncostPct = ref(0);
     const savingsTargetMonths = ref(0);
     const minCashCushionAmount = ref(0);
+    const operatingMode = ref<'minimum' | 'target'>('minimum');
+    
+    // Pay policy for member needs coverage
+    const payPolicy = ref({
+      relationship: 'equal-pay' as 'equal-pay' | 'needs-weighted' | 'role-banded' | 'hours-weighted',
+      roleBands: [] as Array<{ role: string; hourlyWage: number }>
+    });
 
     // Deferred pay limits
     const deferredCapHoursPerQtr = ref(0);
@@ -96,6 +103,13 @@ export const usePoliciesStore = defineStore(
       paymentPriority.value = [...priority];
     }
     
+    function setPayPolicy(relationship, roleBands = []) {
+      payPolicy.value = { 
+        relationship, 
+        roleBands: [...roleBands] 
+      };
+    }
+
     // Legacy actions
     function updatePolicy(key, value) {
       if (key === "equalHourlyWage") setEqualWage(value);
@@ -120,6 +134,8 @@ export const usePoliciesStore = defineStore(
       payrollOncostPct.value = 0;
       savingsTargetMonths.value = 0;
       minCashCushionAmount.value = 0;
+      operatingMode.value = 'minimum';
+      payPolicy.value = { relationship: 'equal-pay', roleBands: [] };
       deferredCapHoursPerQtr.value = 0;
       deferredSunsetMonths.value = 0;
       surplusOrder.value = [
@@ -139,6 +155,8 @@ export const usePoliciesStore = defineStore(
       payrollOncostPct,
       savingsTargetMonths,
       minCashCushionAmount,
+      operatingMode,
+      payPolicy,
       deferredCapHoursPerQtr,
       deferredSunsetMonths,
       surplusOrder,
@@ -151,6 +169,7 @@ export const usePoliciesStore = defineStore(
       setOncostPct,
       setSavingsTargetMonths,
       setMinCashCushion,
+      setPayPolicy,
       setDeferredCap,
       setDeferredSunset,
       setVolunteerScope,
@@ -171,6 +190,8 @@ export const usePoliciesStore = defineStore(
         "payrollOncostPct",
         "savingsTargetMonths",
         "minCashCushionAmount",
+        "operatingMode",
+        "payPolicy",
         "deferredCapHoursPerQtr",
         "deferredSunsetMonths",
         "surplusOrder",

stores/streams.ts

@@ -87,30 +87,6 @@ export const useStreamsStore = defineStore(
       }
     }
 
-    // Initialize with fixture data if empty
-    async function initializeWithFixtures() {
-      if (streams.value.length === 0) {
-        const { useFixtures } = await import('~/composables/useFixtures');
-        const fixtures = useFixtures();
-        const { revenueStreams } = await fixtures.loadStreams();
-        
-        revenueStreams.forEach(stream => {
-          upsertStream(stream);
-        });
-      }
-    }
-
-    // Load realistic demo data (for better user experience)
-    async function loadDemoData() {
-      resetStreams();
-      const { useFixtures } = await import('~/composables/useFixtures');
-      const fixtures = useFixtures();
-      const { revenueStreams } = await fixtures.loadStreams();
-      
-      revenueStreams.forEach(stream => {
-        upsertStream(stream);
-      });
-    }
 
     // Reset function
     function resetStreams() {
@@ -127,8 +103,6 @@ export const useStreamsStore = defineStore(
       // Wizard actions
       upsertStream,
       resetStreams,
-      initializeWithFixtures,
-      loadDemoData,
       // Legacy actions
       addStream,
       updateStream,

tailwind.config.ts

@@ -1,5 +1,13 @@
 import type { Config } from "tailwindcss";
 
 export default {
+  content: [
+    './app.vue',
+    './pages/**/*.vue',
+    './components/**/*.{vue,js,ts}',
+    './composables/**/*.{js,ts}',
+    './layouts/**/*.vue',
+    './plugins/**/*.{js,ts}',
+  ],
   darkMode: "class",
 } satisfies Config;

tests/coach-integration.spec.ts

@@ -9,12 +9,35 @@ import WizardRevenueStep from '~/components/WizardRevenueStep.vue';
 import { useOfferSuggestor } from '~/composables/useOfferSuggestor';
 import { usePlanStore } from '~/stores/plan';
 import { offerToStream, offersToStreams } from '~/utils/offerToStream';
-import { 
+
-  membersSample, 
+// Create inline test data to replace removed sample imports
-  skillsCatalogSample, 
+const membersSample = [
-  problemsCatalogSample, 
+  { id: "1", name: "Maya Chen", role: "Designer", hourly: 32, availableHrs: 20 },
-  sampleSelections 
+  { id: "2", name: "Alex Rodriguez", role: "Developer", hourly: 35, availableHrs: 30 },
-} from '~/sample/skillsToOffersSamples';
+  { id: "3", name: "Jordan Kim", role: "Writer", hourly: 28, availableHrs: 15 }
+];
+
+const skillsCatalogSample = [
+  { id: "design", label: "UI/UX Design" },
+  { id: "writing", label: "Technical Writing" },
+  { id: "development", label: "Web Development" }
+];
+
+const problemsCatalogSample = [
+  { 
+    id: "unclear-pitch", 
+    label: "Unclear value proposition", 
+    examples: ["Need better messaging", "Confusing product pitch"]
+  }
+];
+
+const sampleSelections = {
+  selectedSkillsByMember: {
+    "1": ["design"],
+    "3": ["writing"]
+  },
+  selectedProblems: ["unclear-pitch"]
+};
 
 // Mock router
 vi.mock('vue-router', () => ({
@@ -159,65 +182,34 @@ describe('Coach Integration Tests', () => {
   });
 
   describe('Coach Page Integration', () => {
-    it('loads sample data and generates offers automatically', async () => {
+    it('starts with empty data by default', async () => {
       const wrapper = mount(CoachSkillsToOffers, {
         global: {
           plugins: [pinia]
         }
       });
 
-      // Trigger sample data loading
+      // Should start with empty data
-      await wrapper.vm.loadSampleData();
+      expect(wrapper.vm.members).toEqual([]);
-      await nextTick();
+      expect(wrapper.vm.availableSkills).toEqual([]);
-
+      expect(wrapper.vm.availableProblems).toEqual([]);
-      // Wait for debounced offer generation
+      expect(wrapper.vm.offers).toBeNull();
-      await new Promise(resolve => setTimeout(resolve, 350));
-      
-      // Should have loaded sample members
-      expect(wrapper.vm.members).toEqual(membersSample);
-      
-      // Should have pre-selected skills and problems
-      expect(wrapper.vm.selectedSkills).toEqual(sampleSelections.selectedSkillsByMember);
-      expect(wrapper.vm.selectedProblems).toEqual(sampleSelections.selectedProblems);
-      
-      // Should have generated offers
-      expect(wrapper.vm.offers).toBeDefined();
-      expect(wrapper.vm.offers?.length).toBeGreaterThan(0);
     });
 
-    it('handles "Use these" action correctly', async () => {
+    it('handles empty state gracefully with no offers generated', async () => {
       const wrapper = mount(CoachSkillsToOffers, {
         global: {
           plugins: [pinia]
         }
       });
 
-      // Load sample data and generate offers
+      // Wait for any potential async operations
-      await wrapper.vm.loadSampleData();
       await nextTick();
-      await new Promise(resolve => setTimeout(resolve, 350));
+      await new Promise(resolve => setTimeout(resolve, 100));
       
-      // Ensure we have offers
+      // Should have no offers with empty data
-      expect(wrapper.vm.offers?.length).toBeGreaterThan(0);
+      expect(wrapper.vm.offers).toBeNull();
-      
+      expect(wrapper.vm.canRegenerate).toBe(false);
-      const initialOffers = wrapper.vm.offers!;
-      
-      // Trigger "Use these" action
-      await wrapper.vm.useOffers();
-      
-      // Should have added streams to plan store
-      expect(planStore.streams.length).toBe(initialOffers.length);
-      
-      // Verify streams are properly converted
-      planStore.streams.forEach((stream: any, index: number) => {
-        const originalOffer = initialOffers[index];
-        expect(stream.id).toBe(`offer-${originalOffer.id}`);
-        expect(stream.name).toBe(originalOffer.name);
-        expect(stream.unitPrice).toBe(originalOffer.price.baseline);
-        expect(stream.payoutDelayDays).toBe(originalOffer.payoutDelayDays);
-        expect(stream.feePercent).toBe(3);
-        expect(stream.notes).toBe(originalOffer.whyThis.join('. '));
-      });
     });
   });
 

types/members.ts

@@ -0,0 +1,137 @@
+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?: {
+    minHours?: number
+    targetHours?: number
+    maxHours?: number
+  }
+
+  // Existing/planned
+  monthlyPayPlanned?: number
+
+  // NEW - early-stage friendly, defaults-safe
+  minMonthlyNeeds?: number
+  targetMonthlyPay?: number
+  externalMonthlyIncome?: number
+
+  // Compatibility with existing store
+  payRelationship?: string
+  riskBand?: string
+  externalCoveragePct?: number
+  privacyNeeds?: string
+  deferredHours?: number
+  quarterlyDeferredCap?: number
+
+  // UI-only derivations
+  coverageMinPct?: number
+  coverageTargetPct?: number
+}
+
+export interface PayPolicy {
+  relationship: PayRelationship
+  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 }
+}
+
+export function teamCoverageStats(members: Member[]) {
+  const vals = members
+    .map(m => coverage(m.minMonthlyNeeds, m.targetMonthlyPay, m.monthlyPayPlanned, m.externalMonthlyIncome).minPct)
+    .filter((v): v is number => typeof v === 'number')
+
+  if (!vals.length) return { under100: 0, median: undefined, range: undefined, gini: undefined }
+
+  const sorted = [...vals].sort((a, b) => a - b)
+  const median = sorted[Math.floor(sorted.length / 2)]
+  const range = { min: sorted[0], max: sorted[sorted.length - 1] }
+
+  // quick Gini on coverage (0 = equal, 1 = unequal)
+  const mean = vals.reduce((a, b) => a + b, 0) / vals.length
+  let gini = 0
+  if (mean > 0) {
+    let diffSum = 0
+    for (let i = 0; i < vals.length; i++)
+      for (let j = 0; j < vals.length; j++)
+        diffSum += Math.abs(vals[i] - vals[j])
+    gini = diffSum / (2 * vals.length * vals.length * mean)
+  }
+
+  const under100 = vals.filter(v => v < 100).length
+
+  return { under100, median, range, gini }
+}
+
+// Payroll allocation based on policy
+export function allocatePayroll(members: Member[], policy: PayPolicy, payrollBudget: number): Member[] {
+  const result = JSON.parse(JSON.stringify(members)) // Safe deep clone
+
+  if (policy.relationship === 'equal-pay') {
+    const each = payrollBudget / result.length
+    result.forEach(m => m.monthlyPayPlanned = Math.max(0, each))
+    return result
+  }
+
+  if (policy.relationship === 'needs-weighted') {
+    const weights = result.map(m => m.minMonthlyNeeds ?? 0)
+    const sum = weights.reduce((a, b) => a + b, 0) || 1
+    result.forEach((m, i) => {
+      const w = weights[i] / sum
+      m.monthlyPayPlanned = Math.max(0, payrollBudget * w)
+    })
+    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
+  }
+
+  if (policy.relationship === 'hours-weighted') {
+    const hours = result.map(m => m.hoursPerMonth ?? (m.hoursPerWeek ? m.hoursPerWeek * 4 : 0) ?? (m.capacity?.targetHours ?? 0))
+    const sum = hours.reduce((a, b) => a + b, 0) || 1
+    result.forEach((m, i) => m.monthlyPayPlanned = payrollBudget * (hours[i] / sum))
+    return result
+  }
+
+  // fallback: equal
+  const each = payrollBudget / result.length
+  result.forEach(m => m.monthlyPayPlanned = Math.max(0, each))
+  return result
+}
+
+// Monthly payroll calculation for runway and cashflow
+export function monthlyPayroll(members: Member[], mode: 'minimum' | 'target' = 'minimum'): number {
+  return members.reduce((sum, m) => {
+    const planned = m.monthlyPayPlanned ?? 0
+    // In "minimum" mode cap at min needs to show a lean runway scenario
+    if (mode === 'minimum' && m.minMonthlyNeeds) {
+      return sum + Math.min(planned, m.minMonthlyNeeds)
+    }
+    return sum + planned
+  }, 0)
+}