diff --git a/app.vue b/app.vue
index 3f61ca6..5b1d7bd 100644
--- a/app.vue
+++ b/app.vue
@@ -15,7 +15,8 @@
                     Urgent Tools
                   </h1>
                 </NuxtLink>
-                <div class="absolute right-0">
+                <div class="absolute right-0 flex items-center gap-2">
+                  <CurrencySelector />
                   <ColorModeToggle />
                 </div>
               </div>
@@ -24,7 +25,7 @@
                 role="navigation"
                 aria-label="Main navigation">
                 <NuxtLink
-                  to="/coop-planner"
+                  to="/tools/coop-planner"
                   class="px-3 py-2 text-sm text-black dark:text-white hover:bg-neutral-100 dark:hover:bg-neutral-800 rounded-md transition-colors"
                   :class="{
                     'bg-neutral-100 dark:bg-neutral-800': isCoopBuilderSection,
@@ -42,20 +43,20 @@
                   Coach
                 </NuxtLink> -->
                 <NuxtLink
-                  to="/wizards"
+                  to="/tools/wizards"
                   class="px-3 py-2 text-sm text-black dark:text-white hover:bg-neutral-100 dark:hover:bg-neutral-800 rounded-md transition-colors"
                   :class="{
                     'bg-neutral-100 dark:bg-neutral-800':
-                      $route.path === '/wizards',
+                      $route.path === '/tools/wizards',
                   }">
                   Wizards
                 </NuxtLink>
                 <NuxtLink
-                  to="/resources"
+                  to="/tools/resources"
                   class="px-3 py-2 text-sm text-black dark:text-white hover:bg-neutral-100 dark:hover:bg-neutral-800 rounded-md transition-colors"
                   :class="{
                     'bg-neutral-100 dark:bg-neutral-800':
-                      $route.path === '/resources',
+                      $route.path === '/tools/resources',
                   }">
                   More Resources & Templates
                 </NuxtLink>
@@ -72,6 +73,7 @@
           <NuxtPage />
         </template>
       </NuxtLayout>
+      <AppFooter />
       <NuxtRouteAnnouncer />
     </div>
   </UApp>
@@ -81,18 +83,16 @@
 const route = useRoute();
 const isCoopBuilderSection = computed(
   () =>
-    route.path === "/coop-planner" ||
-    route.path === "/coop-builder" ||
-    route.path === "/" ||
-    route.path === "/mix" ||
-    route.path === "/budget" ||
-    route.path === "/project-budget" ||
-    route.path === "/settings" ||
-    route.path === "/glossary"
+    route.path === "/tools/coop-planner" ||
+    route.path === "/tools/coop-builder" ||
+    route.path === "/tools" ||
+    route.path === "/tools/mix" ||
+    route.path === "/tools/budget" ||
+    route.path === "/tools/project-budget"
 );
 
 const isWizardSection = computed(
-  () => route.path === "/wizards" || route.path.startsWith("/templates/")
+  () => route.path === "/tools/wizards" || route.path.startsWith("/tools/templates/")
 );
 
 // Run migrations on app startup
diff --git a/assets/css/main.css b/assets/css/main.css
index 00bea93..998d1d8 100644
--- a/assets/css/main.css
+++ b/assets/css/main.css
@@ -19,7 +19,9 @@ h1, h2, h3, h4, h5, h6 {
   font-family: "Inter", ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";
 }
 
-
+a {
+  @apply  underline;
+}
 
 /* =========================
    TEMPLATE DOCUMENT LAYOUT
@@ -124,7 +126,7 @@ html.dark .section-card::before {
 }
 
 .inline-field {
-  @apply inline-block mx-1 min-w-[120px] border-none bg-neutral-50 dark:bg-neutral-800 text-neutral-900 dark:text-neutral-100 px-2 py-1 rounded;
+  @apply inline-block mx-1;
 }
 
 .inline-field:focus {
diff --git a/components/AnnualBudget.vue b/components/AnnualBudget.vue
index 16e9a24..9887842 100644
--- a/components/AnnualBudget.vue
+++ b/components/AnnualBudget.vue
@@ -85,13 +85,6 @@
                       v-if="suggestedCategories.length > 0">
                       Consider developing: {{ suggestedCategories.join(", ") }}
                     </p>
-                    <p class="text-xs text-black dark:text-white">
-                      <NuxtLink
-                        to="/help#revenue-diversification"
-                        class="text-white dark:text-neutral-100 hover:text-white dark:hover:text-white underline">
-                        Learn how to develop these revenue streams →
-                      </NuxtLink>
-                    </p>
                   </div>
                 </td>
               </tr>
diff --git a/components/AppFooter.vue b/components/AppFooter.vue
new file mode 100644
index 0000000..176b58b
--- /dev/null
+++ b/components/AppFooter.vue
@@ -0,0 +1,57 @@
+<template>
+  <footer class="bg-neutral-50 dark:bg-neutral-900 border-t border-neutral-200 dark:border-neutral-800 mt-20">
+    <UContainer>
+      <div class="py-12">
+        <div class="grid grid-cols-1 md:grid-cols-4 gap-8">
+          <div class="col-span-1 md:col-span-2">
+            <h3 class="text-lg font-mono uppercase font-bold text-black dark:text-white mb-4">
+              Urgent Tools
+            </h3>
+            <p class="text-sm text-neutral-600 dark:text-neutral-400 mb-4">
+              Tools for cooperative planning, budgeting, and resource management.
+            </p>
+          </div>
+          
+          <div>
+            <h4 class="text-sm font-semibold text-black dark:text-white mb-3">Tools</h4>
+            <ul class="space-y-2">
+              <li>
+                <NuxtLink to="/tools/coop-planner" class="text-sm text-neutral-600 dark:text-neutral-400 hover:text-black dark:hover:text-white transition-colors">
+                  Budget Builder
+                </NuxtLink>
+              </li>
+              <li>
+                <NuxtLink to="/tools/wizards" class="text-sm text-neutral-600 dark:text-neutral-400 hover:text-black dark:hover:text-white transition-colors">
+                  Wizards
+                </NuxtLink>
+              </li>
+              <li>
+                <NuxtLink to="/tools/resources" class="text-sm text-neutral-600 dark:text-neutral-400 hover:text-black dark:hover:text-white transition-colors">
+                  Resources & Templates
+                </NuxtLink>
+              </li>
+            </ul>
+          </div>
+          
+        </div>
+        
+        <USeparator class="my-8" />
+        
+        <div class="flex flex-col md:flex-row justify-between items-center gap-4">
+          <p class="text-xs text-neutral-500 dark:text-neutral-500">
+            © {{ currentYear }} Urgent Tools. All rights reserved.
+          </p>
+          <div class="flex items-center gap-4">
+            <a href="https://github.com" target="_blank" rel="noopener noreferrer" class="text-neutral-500 dark:text-neutral-500 hover:text-black dark:hover:text-white transition-colors">
+              <UIcon name="i-simple-icons-github" class="w-5 h-5" />
+            </a>
+          </div>
+        </div>
+      </div>
+    </UContainer>
+  </footer>
+</template>
+
+<script setup lang="ts">
+const currentYear = computed(() => new Date().getFullYear())
+</script>
\ No newline at end of file
diff --git a/components/CoopBuilderSubnav.vue b/components/CoopBuilderSubnav.vue
index 21e0040..d80594f 100644
--- a/components/CoopBuilderSubnav.vue
+++ b/components/CoopBuilderSubnav.vue
@@ -30,17 +30,17 @@ const coopBuilderItems = [
   {
     id: "coop-builder",
     name: "Settings",
-    path: "/coop-builder",
+    path: "/tools/coop-builder",
   },
   {
     id: "budget",
     name: "Studio Budget",
-    path: "/budget",
+    path: "/tools/budget",
   },
   {
     id: "project-budget",
     name: "Project Budget",
-    path: "/project-budget",
+    path: "/tools/project-budget",
   },
 ];
 
diff --git a/components/CurrencySelector.vue b/components/CurrencySelector.vue
new file mode 100644
index 0000000..555f9ce
--- /dev/null
+++ b/components/CurrencySelector.vue
@@ -0,0 +1,40 @@
+<template>
+  <USelectMenu
+    v-model="selectedCurrency"
+    :items="selectOptions"
+    value-key="value"
+    :ui="{
+      trigger: 'flex items-center gap-1.5 text-sm px-2.5 py-1.5 bg-white dark:bg-neutral-950 border border-neutral-200 dark:border-neutral-800 rounded-md hover:bg-neutral-50 dark:hover:bg-neutral-900 transition-colors',
+      width: 'w-auto min-w-[120px]'
+    }"
+    size="xs"
+    variant="ghost"
+    color="neutral"
+  >
+    <template #label>
+      <span class="text-xs font-mono">{{ getCurrencySymbol(selectedCurrency) }} {{ selectedCurrency }}</span>
+    </template>
+  </USelectMenu>
+</template>
+
+<script setup lang="ts">
+import { currencyOptions, getCurrencySymbol } from '~/utils/currency'
+
+const { currency } = useCoopBuilder()
+
+// Create options for USelectMenu
+const selectOptions = computed(() =>
+  currencyOptions.map((curr) => ({
+    label: `${curr.symbol} ${curr.code}`,
+    value: curr.code,
+  }))
+)
+
+// Two-way binding with the store
+const selectedCurrency = computed({
+  get: () => currency.value,
+  set: (value: string) => {
+    currency.value = value
+  }
+})
+</script>
\ No newline at end of file
diff --git a/components/ExportOptions.vue b/components/ExportOptions.vue
index 984b6ee..35c2061 100644
--- a/components/ExportOptions.vue
+++ b/components/ExportOptions.vue
@@ -958,475 +958,13 @@ const formatMembershipAgreementAsMarkdown = (data: any): string => {
 
 // Conflict Resolution Framework formatting - Complete document with all static and dynamic content
 const formatConflictResolutionAsText = (data: any): string => {
-  const formData = data.formData || {};
-  const cooperativeName = formData.orgName || "[Cooperative Name]";
-  let content = `${cooperativeName.toUpperCase()} CONFLICT RESOLUTION POLICY\n${"=".repeat(
-    cooperativeName.length + 30
-  )}\n\n`;
-
-  content += `Framework Created: ${
-    formData.createdDate || new Date().toISOString().split("T")[0]
-  }\n`;
-  if (formData.reviewDate) {
-    content += `Next Review: ${formData.reviewDate}\n`;
-  }
-  content += `\n`;
-
-  // Core Values section (if enabled)
-  if (data.sectionsEnabled?.values !== false) {
-    content += `OUR VALUES\n----------\n\n`;
-    content += `This conflict resolution framework is guided by our core values:\n\n`;
-
-    if (formData.coreValuesList && formData.coreValuesList.length > 0) {
-      formData.coreValuesList.forEach((value: string) => {
-        content += `• ${value}\n`;
-      });
-      content += `\n`;
-    }
-
-    if (formData.customValues) {
-      content += `${formData.customValues}\n\n`;
-    }
-  }
-
-  // Resolution Philosophy
-  const approachDescriptions: { [key: string]: string } = {
-    restorative:
-      "We use a restorative/loving justice approach that focuses on healing, understanding root causes, and repairing relationships rather than punishment.",
-    mediation:
-      "We use a mediation-first approach where neutral third-party facilitators help parties dialogue and find solutions.",
-    progressive:
-      "We use progressive discipline with clear escalation steps and defined consequences for violations.",
-    hybrid:
-      "We use a hybrid approach that combines multiple methods based on the type and severity of conflict.",
-  };
-
-  if (formData.approach && approachDescriptions[formData.approach]) {
-    content += `OUR APPROACH\n------------\n\n`;
-    content += `${approachDescriptions[formData.approach]}\n\n`;
-    content += `We do our best to resolve conflicts at the lowest possible escalation step (direct resolution), but agree to escalate conflicts (to assisted resolution) if they are not resolved.\n\n`;
-  }
-
-  // Reflection Process (if enabled)
-  if (data.sectionsEnabled?.reflection !== false) {
-    content += `REFLECTION\n----------\n\n`;
-    content += `Before engaging in direct resolution, we encourage taking time for reflection:\n\n`;
-    content += `1. Set aside time to think through what happened. What was the other person's behaviour? How did it affect you? Distinguish other people's actions from your feelings about them.\n`;
-    content += `2. Consider uncertainties or misunderstandings that may have occurred.\n`;
-    content += `3. Distinguish disagreement from personal hostility. Disagreement and dissent are part of healthy discussion. Hostility is not.\n`;
-    content += `4. Use your personal support system (friends, family, therapist, etc.) to work through and clarify your perspective.\n`;
-    content += `5. Ask yourself what part you played, how you could have behaved differently, and what your needs are.\n\n`;
-
-    if (formData.customReflectionPrompts) {
-      content += `Additional Reflection Prompts:\n${formData.customReflectionPrompts}\n\n`;
-    }
-
-    const reflectionTiming =
-      formData.reflectionPeriod || "Before any escalation";
-    content += `Reflection Timing: ${reflectionTiming}\n\n`;
-  }
-
-  // Direct Resolution (if enabled)
-  if (data.sectionsEnabled?.directResolution !== false) {
-    content += `DIRECT RESOLUTION\n-----------------\n\n`;
-    content += `A direct resolution process occurs when individuals communicate their concerns and work together to resolve disputes without filing an informal or formal complaint.\n\n`;
-
-    content += `Have a Conversation\n-------------------\n\n`;
-    content += `When there is a disagreement, the involved people should first communicate with each other about their concerns.\n\n`;
-
-    content += `1. Choose a time and place to meet that is private and agreeable to both.\n`;
-    content += `2. Allow reasonable time for the conversation.\n`;
-    content += `3. The point is mutual understanding, not determining who is right or wrong. This requires patience and willingness to listen without immediately dismissing the other person's perspective.\n`;
-    content += `4. Express thoughts and feelings directly without belittling or dismissing. Use "I" statements and active listening techniques.\n`;
-    content += `5. Communicate your wants and needs and make offers and requests.\n`;
-    content += `6. Learn for the future. Ask questions like, "If what I/you said or did came across that way, what can we do to prevent this from happening in the future?"\n`;
-
-    if (formData.documentDirectResolution) {
-      content += `7. Keep a written record of the resolution agreed to by both parties.\n\n`;
-    } else {
-      content += `\n`;
-    }
-
-    // Communication Channels
-    if (formData.channelsList && formData.channelsList.length > 0) {
-      content += `Escalating Communication Bandwidth\n-----------------------------------\n\n`;
-      content += `Whenever a misunderstanding or conflict arises, escalate the bandwidth of the channel:\n\n`;
-      formData.channelsList.forEach((channel: string, index: number) => {
-        content += `${index + 1}. ${channel}\n`;
-      });
-      content += `\n`;
-    }
-
-    if (formData.requireDirectAttempt) {
-      content += `NOTE: Direct resolution must be attempted before escalating to assisted resolution, unless safety concerns prevent this.\n\n`;
-    }
-  }
-
-  // Assisted Resolution
-  content += `ASSISTED RESOLUTION\n-------------------\n\n`;
-  content += `If talking things out doesn't work, you can ask a responsible contact person for help in writing.\n\n`;
-
-  // Responsible Contact People
-  if (formData.receiversList && formData.receiversList.length > 0) {
-    content += `Initial Contact Options:\n`;
-    formData.receiversList.forEach((receiver: string) => {
-      content += `• ${receiver}\n`;
-    });
-    content += `\n`;
-  }
-
-  // Mediator Structure
-  if (formData.mediatorType) {
-    content += `Mediation/Facilitation Structure: ${formData.mediatorType}\n\n`;
-
-    if (formData.supportPeople) {
-      content += `Support People: Parties may bring a trusted person for emotional support during mediation sessions.\n\n`;
-    }
-  }
-
-  // Timeline
-  content += `Response Times:\n`;
-  if (formData.initialResponse) {
-    content += `• Initial Response: ${formData.initialResponse}\n`;
-  }
-  if (formData.resolutionTarget) {
-    content += `• Target Resolution: ${formData.resolutionTarget}\n\n`;
-  }
-
-  // Formal Complaints
-  content += `FORMAL COMPLAINTS\n-----------------\n\n`;
-  content += `If assisted resolution efforts do not result in an acceptable outcome within a reasonable timeframe, a formal complaint may be filed in writing.\n\n`;
-
-  // Required Elements
-  if (
-    formData.complaintElementsList &&
-    formData.complaintElementsList.length > 0
-  ) {
-    content += `Written Complaint Requirements:\n`;
-    formData.complaintElementsList.forEach((element: string, index: number) => {
-      content += `${index + 1}. ${element}\n`;
-    });
-    content += `\n`;
-  }
-
-  // Formal Process Timeline
-  content += `Formal Process Timeline:\n`;
-  if (formData.formalAcknowledgmentTime) {
-    content += `• Acknowledgment: ${formData.formalAcknowledgmentTime}\n`;
-  }
-  if (formData.formalReviewTime) {
-    content += `• Review Completion: ${formData.formalReviewTime}\n\n`;
-  }
-
-  if (formData.requireExternalAdvice) {
-    content += `External Expertise: For complex complaints involving multiple parties or organizational leaders, external legal advice will be sought.\n\n`;
-  }
-
-  // Settlement Documentation
-  if (formData.requireMinutesOfSettlement) {
-    content += `Reaching Agreement\n------------------\n\n`;
-    content += `Any resolution agreed upon must be documented in "Minutes of Settlement" signed by both parties. These agreements will be kept confidential according to our privacy standards.\n\n`;
-  }
-
-  // Consequences and Actions
-  if (formData.actionsList && formData.actionsList.length > 0) {
-    content += `POSSIBLE OUTCOMES\n-----------------\n\n`;
-    content += `Depending on the situation, resolution may include:\n\n`;
-    formData.actionsList.forEach((action: string) => {
-      content += `• ${action}\n`;
-    });
-    content += `\n`;
-  }
-
-  if (formData.appealProcess) {
-    content += `Appeals Process: Parties may request review of decisions through our appeals process.\n\n`;
-  }
-
-  // Documentation and Privacy
-  if (data.sectionsEnabled?.documentation !== false) {
-    content += `DOCUMENTATION & PRIVACY\n-----------------------\n\n`;
-    if (formData.docLevel) {
-      content += `Documentation Level: ${formData.docLevel}\n\n`;
-    }
-    if (formData.confidentiality) {
-      content += `Confidentiality: ${formData.confidentiality}\n\n`;
-    }
-    if (formData.retention) {
-      content += `Record Retention: ${formData.retention}\n\n`;
-    }
-  }
-
-  // External Resources (if enabled)
-  if (data.sectionsEnabled?.externalResources !== false) {
-    content += `EXTERNAL RESOURCES\n------------------\n\n`;
-    if (formData.includeHumanRights) {
-      content += `Individuals who are not satisfied with the outcome of a harassment or discrimination complaint may file a complaint with the Canadian Human Rights Commission or their provincial human rights tribunal.\n\n`;
-    }
-
-    if (formData.additionalResources) {
-      content += `Additional Resources:\n${formData.additionalResources}\n\n`;
-    }
-  }
-
-  // Implementation
-  content += `POLICY MANAGEMENT\n-----------------\n\n`;
-  if (formData.training) {
-    content += `Training Requirements:\n${formData.training}\n\n`;
-  }
-
-  content += `Review and Updates:\n`;
-  if (formData.reviewSchedule) {
-    content += `This policy will be reviewed ${formData.reviewSchedule.toLowerCase()}.\n\n`;
-  }
-  if (formData.amendments) {
-    content += `Amendment Process: ${formData.amendments}\n\n`;
-  }
-
-  // Acknowledgments
-  if (formData.acknowledgments) {
-    content += `Acknowledgments:\n${formData.acknowledgments}\n\n`;
-  }
-
-  return content;
+  // Use the pre-generated content from the Vue component
+  return data.content || "No content available";
 };
 
 const formatConflictResolutionAsMarkdown = (data: any): string => {
-  const formData = data.formData || {};
-  const cooperativeName = formData.orgName || "[Cooperative Name]";
-  let content = `# ${cooperativeName} Conflict Resolution Policy\n\n`;
-
-  content += `*Framework Created: ${
-    formData.createdDate || new Date().toISOString().split("T")[0]
-  }*\n`;
-  if (formData.reviewDate) {
-    content += `*Next Review: ${formData.reviewDate}*\n`;
-  }
-  content += `\n---\n\n`;
-
-  // Core Values section (if enabled)
-  if (data.sectionsEnabled?.values !== false) {
-    content += `## Our Values\n\n`;
-    content += `This conflict resolution framework is guided by our core values:\n\n`;
-
-    if (formData.coreValuesList && formData.coreValuesList.length > 0) {
-      formData.coreValuesList.forEach((value: string) => {
-        content += `- **${value}**\n`;
-      });
-      content += `\n`;
-    }
-
-    if (formData.customValues) {
-      content += `${formData.customValues}\n\n`;
-    }
-  }
-
-  // Resolution Philosophy
-  const approachDescriptions: { [key: string]: string } = {
-    restorative:
-      "We use a **restorative/loving justice** approach that focuses on healing, understanding root causes, and repairing relationships rather than punishment.",
-    mediation:
-      "We use a **mediation-first** approach where neutral third-party facilitators help parties dialogue and find solutions.",
-    progressive:
-      "We use **progressive discipline** with clear escalation steps and defined consequences for violations.",
-    hybrid:
-      "We use a **hybrid approach** that combines multiple methods based on the type and severity of conflict.",
-  };
-
-  if (formData.approach && approachDescriptions[formData.approach]) {
-    content += `## Our Approach\n\n`;
-    content += `${approachDescriptions[formData.approach]}\n\n`;
-    content += `We do our best to resolve conflicts at the lowest possible escalation step (direct resolution), but agree to escalate conflicts (to assisted resolution) if they are not resolved.\n\n`;
-  }
-
-  // Reflection Process (if enabled)
-  if (data.sectionsEnabled?.reflection !== false) {
-    content += `## Reflection\n\n`;
-    content += `Before engaging in direct resolution, we encourage taking time for reflection:\n\n`;
-    content += `1. **Set aside time to think** through what happened. What was the other person's behaviour? How did it affect you? *Distinguish other people's **actions** from your **feelings** about them.*\n`;
-    content += `2. **Consider uncertainties** or misunderstandings that may have occurred.\n`;
-    content += `3. **Distinguish disagreement from personal hostility.** Disagreement and dissent are part of healthy discussion. Hostility is not.\n`;
-    content += `4. **Use your personal support system** (friends, family, therapist, etc.) to work through and clarify your perspective.\n`;
-    content += `5. **Ask yourself** what part you played, how you could have behaved differently, and what your needs are.\n\n`;
-
-    if (formData.customReflectionPrompts) {
-      content += `### Additional Reflection Prompts\n\n`;
-      content += `${formData.customReflectionPrompts}\n\n`;
-    }
-
-    const reflectionTiming =
-      formData.reflectionPeriod || "Before any escalation";
-    content += `**Reflection Timing:** ${reflectionTiming}\n\n`;
-  }
-
-  // Direct Resolution (if enabled)
-  if (data.sectionsEnabled?.directResolution !== false) {
-    content += `## Direct Resolution\n\n`;
-    content += `A *direct resolution* process occurs when individuals communicate their concerns and work together to resolve disputes without filing an informal or formal complaint.\n\n`;
-
-    content += `### Have a Conversation\n\n`;
-    content += `When there is a disagreement, the involved people should first **communicate with each other** about their concerns.\n\n`;
-
-    content += `1. **Choose a time and place** to meet that is private and agreeable to both.\n`;
-    content += `2. **Allow reasonable time** for the conversation.\n`;
-    content += `3. **The point is mutual understanding**, not determining who is right or wrong. This requires patience and willingness to listen without immediately dismissing the other person's perspective.\n`;
-    content += `4. **Express thoughts and feelings directly** without belittling or dismissing. Use "I" statements and active listening techniques.\n`;
-    content += `5. **Communicate your wants and needs** and make offers and requests.\n`;
-    content += `6. **Learn for the future.** Ask questions like, "If what I/you said or did came across that way, what can we do to prevent this from happening in the future?"\n`;
-
-    if (formData.documentDirectResolution) {
-      content += `7. **Keep a written record** of the resolution agreed to by both parties.\n\n`;
-    } else {
-      content += `\n`;
-    }
-
-    // Communication Channels
-    if (formData.channelsList && formData.channelsList.length > 0) {
-      content += `### Escalating Communication Bandwidth\n\n`;
-      content += `Whenever a misunderstanding or conflict arises, **escalate the bandwidth of the channel**:\n\n`;
-      formData.channelsList.forEach((channel: string, index: number) => {
-        content += `${index + 1}. ${channel}\n`;
-      });
-      content += `\n`;
-    }
-
-    if (formData.requireDirectAttempt) {
-      content += `> **Note:** Direct resolution must be attempted before escalating to assisted resolution, unless safety concerns prevent this.\n\n`;
-    }
-  }
-
-  // Assisted Resolution
-  content += `## Assisted Resolution\n\n`;
-  content += `If talking things out doesn't work, you can ask a responsible contact person for help in writing.\n\n`;
-
-  // Responsible Contact People
-  if (formData.receiversList && formData.receiversList.length > 0) {
-    content += `### Initial Contact Options\n\n`;
-    content += `You can report conflicts to any of the following:\n\n`;
-    formData.receiversList.forEach((receiver: string) => {
-      content += `- ${receiver}\n`;
-    });
-    content += `\n`;
-  }
-
-  // Mediator Structure
-  if (formData.mediatorType) {
-    content += `### Mediation/Facilitation\n\n`;
-    content += `**Structure:** ${formData.mediatorType}\n\n`;
-
-    if (formData.supportPeople) {
-      content += `**Support People:** Parties may bring a trusted person for emotional support during mediation sessions.\n\n`;
-    }
-  }
-
-  // Timeline
-  content += `### Response Times\n\n`;
-  if (formData.initialResponse) {
-    content += `- **Initial Response:** ${formData.initialResponse}\n`;
-  }
-  if (formData.resolutionTarget) {
-    content += `- **Target Resolution:** ${formData.resolutionTarget}\n\n`;
-  }
-
-  // Formal Complaints
-  content += `## Formal Complaints\n\n`;
-  content += `If assisted resolution efforts do not result in an acceptable outcome within a reasonable timeframe, a *formal complaint* may be filed in writing.\n\n`;
-
-  // Required Elements
-  if (
-    formData.complaintElementsList &&
-    formData.complaintElementsList.length > 0
-  ) {
-    content += `### Written Complaint Requirements\n\n`;
-    content += `The formal complaint must include:\n\n`;
-    formData.complaintElementsList.forEach((element: string, index: number) => {
-      content += `${index + 1}. ${element}\n`;
-    });
-    content += `\n`;
-  }
-
-  // Formal Process Timeline
-  content += `### Formal Process Timeline\n\n`;
-  if (formData.formalAcknowledgmentTime) {
-    content += `- **Acknowledgment:** ${formData.formalAcknowledgmentTime}\n`;
-  }
-  if (formData.formalReviewTime) {
-    content += `- **Review Completion:** ${formData.formalReviewTime}\n\n`;
-  }
-
-  if (formData.requireExternalAdvice) {
-    content += `> **External Expertise:** For complex complaints involving multiple parties or organizational leaders, external legal advice will be sought.\n\n`;
-  }
-
-  // Settlement Documentation
-  if (formData.requireMinutesOfSettlement) {
-    content += `### Reaching Agreement\n\n`;
-    content += `Any resolution agreed upon must be documented in "Minutes of Settlement" signed by both parties. These agreements will be kept confidential according to our privacy standards.\n\n`;
-  }
-
-  // Consequences and Actions
-  if (formData.actionsList && formData.actionsList.length > 0) {
-    content += `## Possible Outcomes\n\n`;
-    content += `Depending on the situation, resolution may include:\n\n`;
-    formData.actionsList.forEach((action: string) => {
-      content += `- ${action}\n`;
-    });
-    content += `\n`;
-  }
-
-  if (formData.appealProcess) {
-    content += `### Appeals Process\n\n`;
-    content += `Parties may request review of decisions through our appeals process.\n\n`;
-  }
-
-  // Documentation and Privacy
-  if (data.sectionsEnabled?.documentation !== false) {
-    content += `## Documentation & Privacy\n\n`;
-    if (formData.docLevel) {
-      content += `**Documentation Level:** ${formData.docLevel}\n\n`;
-    }
-    if (formData.confidentiality) {
-      content += `**Confidentiality:** ${formData.confidentiality}\n\n`;
-    }
-    if (formData.retention) {
-      content += `**Record Retention:** ${formData.retention}\n\n`;
-    }
-  }
-
-  // External Resources (if enabled)
-  if (data.sectionsEnabled?.externalResources !== false) {
-    content += `## External Resources\n\n`;
-    if (formData.includeHumanRights) {
-      content += `Individuals who are not satisfied with the outcome of a harassment or discrimination complaint may file a complaint with the [Canadian Human Rights Commission](https://www.chrc-ccdp.gc.ca/eng) or their provincial human rights tribunal.\n\n`;
-    }
-
-    if (formData.additionalResources) {
-      content += `### Additional Resources\n\n`;
-      content += `${formData.additionalResources}\n\n`;
-    }
-  }
-
-  // Implementation
-  content += `## Policy Management\n\n`;
-  if (formData.training) {
-    content += `### Training Requirements\n\n`;
-    content += `${formData.training}\n\n`;
-  }
-
-  content += `### Review and Updates\n\n`;
-  if (formData.reviewSchedule) {
-    content += `This policy will be reviewed ${formData.reviewSchedule.toLowerCase()}.\n\n`;
-  }
-  if (formData.amendments) {
-    content += `**Amendment Process:** ${formData.amendments}\n\n`;
-  }
-
-  // Acknowledgments
-  if (formData.acknowledgments) {
-    content += `### Acknowledgments\n\n`;
-    content += `${formData.acknowledgments}\n\n`;
-  }
-
-  return content;
+  // Use the pre-generated content from the Vue component
+  return data.content || "No content available";
 };
 
 // Decision Framework formatting
diff --git a/components/GlossaryTooltip.vue b/components/GlossaryTooltip.vue
deleted file mode 100644
index efadf0e..0000000
--- a/components/GlossaryTooltip.vue
+++ /dev/null
@@ -1,51 +0,0 @@
-<template>
-  <UTooltip
-    :text="definition"
-    :ui="{
-      background: 'bg-white dark:bg-neutral-900',
-      ring: 'ring-1 ring-neutral-200 dark:ring-neutral-800',
-      rounded: 'rounded-lg',
-      shadow: 'shadow-lg',
-      base: 'px-3 py-2 text-sm max-w-xs',
-    }"
-    :popper="{ arrow: true }">
-    <template #text>
-      <div class="space-y-2">
-        <div class="font-medium">{{ term }}</div>
-        <div class="text-neutral-600">{{ definition }}</div>
-        <NuxtLink
-          :to="`/glossary#${termId}`"
-          class="text-primary-600 hover:text-primary-700 text-xs inline-flex items-center gap-1"
-          @click="$emit('glossary-click')">
-          <UIcon name="i-heroicons-book-open" class="w-3 h-3" />
-          See full definition
-        </NuxtLink>
-      </div>
-    </template>
-
-    <span
-      class="underline decoration-dotted decoration-neutral-400 hover:decoration-primary-500 cursor-help"
-      :class="{ 'font-medium': emphasis }"
-      :tabindex="0"
-      :aria-describedby="`tooltip-${termId}`"
-      @keydown.enter="$emit('glossary-click')"
-      @keydown.space.prevent="$emit('glossary-click')">
-      <slot>{{ term }}</slot>
-    </span>
-  </UTooltip>
-</template>
-
-<script setup lang="ts">
-interface Props {
-  term: string;
-  termId: string;
-  definition: string;
-  emphasis?: boolean;
-}
-
-const props = withDefaults(defineProps<Props>(), {
-  emphasis: false,
-});
-
-defineEmits(["glossary-click"]);
-</script>
diff --git a/components/ProjectBudgetEstimate.vue b/components/ProjectBudgetEstimate.vue
index 26b2541..7cab08f 100644
--- a/components/ProjectBudgetEstimate.vue
+++ b/components/ProjectBudgetEstimate.vue
@@ -2,275 +2,296 @@
   <div class="mx-auto">
     <div class="relative">
       <div class="absolute top-2 left-2 w-full h-full dither-shadow"></div>
-      <div class="relative bg-white dark:bg-neutral-950 border-1 border-black dark:border-neutral-400">
-      <!-- Controls -->
       <div
-        class="p-6 border-b-1 border-black dark:border-neutral-400 bg-neutral-100 dark:bg-neutral-950">
-        <div class="flex flex-wrap gap-4 items-center">
-          <div class="flex items-center gap-2">
-            <UFormField label="Duration in months" class="">
-              <UInputNumber
-                id="duration"
-                v-model="durationMonths"
-                :min="3"
-                :max="24"
-                size="lg"
-                class="w-full" />
-            </UFormField>
+        class="relative bg-white dark:bg-neutral-950 border-1 border-black dark:border-neutral-400">
+        <!-- Controls -->
+        <div
+          class="p-6 border-b-1 border-black dark:border-neutral-400 bg-neutral-100 dark:bg-neutral-950">
+          <div class="flex flex-wrap gap-4 items-center">
+            <div class="flex items-center gap-2">
+              <UFormField label="Duration in months" class="">
+                <UInputNumber
+                  id="duration"
+                  v-model="durationMonths"
+                  :min="3"
+                  :max="24"
+                  size="lg"
+                  class="w-full" />
+              </UFormField>
+            </div>
           </div>
         </div>
-      </div>
 
-      <!-- Cost Summary -->
-      <div
-        class="p-6 border-b-1 border-black bg-neutral-100 dark:bg-neutral-950">
-        <ul class="space-y-2">
-          <!-- Two Column Layout -->
-          <li class="pb-2">
-            <div class="grid grid-cols-2 gap-6">
-              <!-- Left Column: Detailed Breakdown -->
-              <div
-                class="text-base text-neutral-600 dark:text-neutral-200 space-y-1">
-                <div class="font-bold font-display">
-                  Monthly payroll breakdown:
-                </div>
-                <div>
-                  Base hourly rate: {{ currency(theoreticalHourlyRate) }}/hour
-                </div>
-                <div class="pl-2 space-y-0.5">
+        <!-- Cost Summary -->
+        <div
+          class="p-6 border-b-1 border-black bg-neutral-100 dark:bg-neutral-950">
+          <ul class="space-y-2">
+            <!-- Two Column Layout -->
+            <li class="pb-2">
+              <div class="grid grid-cols-2 gap-6">
+                <!-- Left Column: Detailed Breakdown -->
+                <div
+                  class="text-base text-neutral-600 dark:text-neutral-200 space-y-1">
+                  <div class="font-bold font-display">
+                    Monthly payroll breakdown:
+                  </div>
+                  <div>
+                    Base hourly rate: {{ currency(theoreticalHourlyRate) }}/hour
+                  </div>
+                  <div class="pl-2 space-y-0.5">
+                    <div
+                      v-for="member in props.members"
+                      :key="member.name"
+                      class="flex justify-between">
+                      <span
+                        >{{ member.name }} @ {{ member.hoursPerMonth }}h:</span
+                      >
+                      <span class="font-mono">{{
+                        currency(member.hoursPerMonth * theoreticalHourlyRate)
+                      }}</span>
+                    </div>
+                  </div>
                   <div
-                    v-for="member in props.members"
-                    :key="member.name"
-                    class="flex justify-between">
+                    class="border-t border-neutral-300 dark:border-neutral-600 pt-1 flex justify-between font-medium">
+                    <span>Total base pay:</span>
+                    <span class="font-mono">{{
+                      currency(baseMonthlyPayroll)
+                    }}</span>
+                  </div>
+                  <div class="flex justify-between">
                     <span
-                      >{{ member.name }} @ {{ member.hoursPerMonth }}h:</span
+                      >Payroll taxes & benefits ({{
+                        percent(props.oncostRate)
+                      }}):</span
                     >
                     <span class="font-mono">{{
-                      currency(member.hoursPerMonth * theoreticalHourlyRate)
+                      currency(theoreticalOncosts)
+                    }}</span>
+                  </div>
+                  <div
+                    class="border-t border-neutral-300 dark:border-neutral-600 pt-1 flex justify-between font-bold">
+                    <span>Total monthly payroll:</span>
+                    <span class="font-mono">{{
+                      currency(baseMonthlyPayroll + theoreticalOncosts)
                     }}</span>
                   </div>
                 </div>
+
+                <!-- Right Column: Complete Project Budget Estimate -->
                 <div
-                  class="border-t border-neutral-300 dark:border-neutral-600 pt-1 flex justify-between font-medium">
-                  <span>Total base pay:</span>
-                  <span class="font-mono">{{
-                    currency(baseMonthlyPayroll)
-                  }}</span>
-                </div>
-                <div class="flex justify-between">
-                  <span
-                    >Payroll taxes & benefits ({{
-                      percent(props.oncostRate)
-                    }}):</span
-                  >
-                  <span class="font-mono">{{
-                    currency(theoreticalOncosts)
-                  }}</span>
-                </div>
-                <div
-                  class="border-t border-neutral-300 dark:border-neutral-600 pt-1 flex justify-between font-bold">
-                  <span>Total monthly payroll:</span>
-                  <span class="font-mono">{{
-                    currency(baseMonthlyPayroll + theoreticalOncosts)
-                  }}</span>
+                  class="text-base text-neutral-600 dark:text-neutral-200 space-y-1">
+                  <div class="font-bold font-display">
+                    Complete project budget estimate:
+                  </div>
+                  <p
+                    class="text-sm mb-2 italic text-neutral-500 dark:text-neutral-400">
+                    This uses a 1.8x multiplier, based on industry standards.
+                  </p>
+
+                  <!-- Team Payroll -->
+                  <div class="flex justify-between">
+                    <span class="font-bold">Team Payroll:</span>
+                    <span class="font-mono font-bold">{{
+                      currency(projectBudget)
+                    }}</span>
+                  </div>
+
+                  <!-- External Resources -->
+                  <div class="space-y-0.5">
+                    <div class="flex justify-between">
+                      <span>External resources:</span>
+                      <span class="font-mono">{{
+                        currency(externalResources)
+                      }}</span>
+                    </div>
+                    <div class="text-xs text-neutral-500 dark:text-neutral-400">
+                      Freelancers, contractors, consultants, voice talent
+                    </div>
+                  </div>
+
+                  <!-- Tools & Software -->
+                  <div class="space-y-0.5">
+                    <div class="flex justify-between">
+                      <span>Tools and software:</span>
+                      <span class="font-mono">{{
+                        currency(toolsSoftware)
+                      }}</span>
+                    </div>
+                    <div class="text-xs text-neutral-500 dark:text-neutral-400">
+                      Licenses, subscriptions, cloud services, development
+                      tools/kits
+                    </div>
+                  </div>
+
+                  <!-- Testing & QA -->
+                  <div class="space-y-0.5">
+                    <div class="flex justify-between">
+                      <span>Testing and QA:</span>
+                      <span class="font-mono">{{ currency(testingQA) }}</span>
+                    </div>
+                    <div class="text-xs text-neutral-500 dark:text-neutral-400">
+                      User testing sessions, focus groups, QA contractors,
+                      playtesting, bug fixing
+                    </div>
+                  </div>
+
+                  <!-- Marketing & Community -->
+                  <div class="space-y-0.5">
+                    <div class="flex justify-between">
+                      <span>Marketing and community:</span>
+                      <span class="font-mono">{{
+                        currency(marketingCommunity)
+                      }}</span>
+                    </div>
+                    <div class="text-xs text-neutral-500 dark:text-neutral-400">
+                      Community building, promotional materials, launch
+                      preparation (minimum 10% for most funders)
+                    </div>
+                  </div>
+
+                  <!-- Administration -->
+                  <div class="space-y-0.5">
+                    <div class="flex justify-between">
+                      <span>Administration:</span>
+                      <span class="font-mono">{{
+                        currency(administration)
+                      }}</span>
+                    </div>
+                    <div class="text-xs text-neutral-500 dark:text-neutral-400">
+                      Legal, accounting, insurance, project-specific business
+                      costs
+                    </div>
+                  </div>
+
+                  <!-- Subtotal -->
+                  <div
+                    class="border-t border-neutral-300 dark:border-neutral-600 pt-1 flex justify-between font-bold">
+                    <span>Subtotal:</span>
+                    <span class="font-mono">{{
+                      currency(budgetSubtotal)
+                    }}</span>
+                  </div>
+
+                  <!-- Contingency -->
+                  <div class="space-y-0.5">
+                    <div class="flex justify-between">
+                      <span>Contingency (10%):</span>
+                      <span class="font-mono">{{ currency(contingency) }}</span>
+                    </div>
+                  </div>
+
+                  <!-- Total -->
+                  <div
+                    class="border-t border-neutral-300 dark:border-neutral-600 pt-1 flex justify-between font-bold text-lg">
+                    <span>TOTAL PROJECT:</span>
+                    <span class="font-mono">{{
+                      currency(totalProjectBudget)
+                    }}</span>
+                  </div>
                 </div>
               </div>
-
-              <!-- Right Column: Complete Project Budget Estimate -->
-              <div
-                class="text-base text-neutral-600 dark:text-neutral-200 space-y-1">
-                <div class="font-bold font-display">
-                  Complete project budget estimate:
-                </div>
-                <p
-                  class="text-sm mb-2 italic text-neutral-500 dark:text-neutral-400">
-                  This uses a 1.8x multiplier, based on industry standards.
-                </p>
-
-                <!-- Team Payroll -->
-                <div class="flex justify-between">
-                  <span class="font-bold">Team Payroll:</span>
-                  <span class="font-mono font-bold">{{
-                    currency(projectBudget)
-                  }}</span>
-                </div>
-
-                <!-- External Resources -->
-                <div class="space-y-0.5">
-                  <div class="flex justify-between">
-                    <span>External resources:</span>
-                    <span class="font-mono">{{
-                      currency(externalResources)
-                    }}</span>
-                  </div>
-                  <div class="text-xs text-neutral-500 dark:text-neutral-400">
-                    Freelancers, contractors, consultants, voice talent
-                  </div>
-                </div>
-
-                <!-- Tools & Software -->
-                <div class="space-y-0.5">
-                  <div class="flex justify-between">
-                    <span>Tools and software:</span>
-                    <span class="font-mono">{{ currency(toolsSoftware) }}</span>
-                  </div>
-                  <div class="text-xs text-neutral-500 dark:text-neutral-400">
-                    Licenses, subscriptions, cloud services, development
-                    tools/kits
-                  </div>
-                </div>
-
-                <!-- Testing & QA -->
-                <div class="space-y-0.5">
-                  <div class="flex justify-between">
-                    <span>Testing and QA:</span>
-                    <span class="font-mono">{{ currency(testingQA) }}</span>
-                  </div>
-                  <div class="text-xs text-neutral-500 dark:text-neutral-400">
-                    User testing sessions, focus groups, QA contractors,
-                    playtesting, bug fixing
-                  </div>
-                </div>
-
-                <!-- Marketing & Community -->
-                <div class="space-y-0.5">
-                  <div class="flex justify-between">
-                    <span>Marketing and community:</span>
-                    <span class="font-mono">{{
-                      currency(marketingCommunity)
-                    }}</span>
-                  </div>
-                  <div class="text-xs text-neutral-500 dark:text-neutral-400">
-                    Community building, promotional materials, launch
-                    preparation (minimum 10% for most funders)
-                  </div>
-                </div>
-
-                <!-- Administration -->
-                <div class="space-y-0.5">
-                  <div class="flex justify-between">
-                    <span>Administration:</span>
-                    <span class="font-mono">{{
-                      currency(administration)
-                    }}</span>
-                  </div>
-                  <div class="text-xs text-neutral-500 dark:text-neutral-400">
-                    Legal, accounting, insurance, project-specific business
-                    costs
-                  </div>
-                </div>
-
-                <!-- Subtotal -->
-                <div
-                  class="border-t border-neutral-300 dark:border-neutral-600 pt-1 flex justify-between font-bold">
-                  <span>Subtotal:</span>
-                  <span class="font-mono">{{ currency(budgetSubtotal) }}</span>
-                </div>
-
-                <!-- Contingency -->
-                <div class="space-y-0.5">
-                  <div class="flex justify-between">
-                    <span>Contingency (10%):</span>
-                    <span class="font-mono">{{ currency(contingency) }}</span>
-                  </div>
-                </div>
-
-                <!-- Total -->
-                <div
-                  class="border-t border-neutral-300 dark:border-neutral-600 pt-1 flex justify-between font-bold text-lg">
-                  <span>TOTAL PROJECT:</span>
-                  <span class="font-mono">{{
-                    currency(totalProjectBudget)
-                  }}</span>
-                </div>
-              </div>
-            </div>
-          </li>
-        </ul>
-      </div>
-
-      <!-- Break-Even Sketch -->
-      <div
-        class="text-black dark:text-white border-t border-neutral-300 dark:border-neutral-600 bg-white dark:bg-neutral-950">
-        <div class="p-6 text-black dark:text-white">
-          <h3 class="font-bold mb-4">Break-Even Sketch</h3>
-          <!-- Inputs -->
-          <div class="flex flex-wrap space-x-4 mb-6">
-            <div>
-              <label for="price" class="block font-bold text-sm mb-1"
-                >Price per copy:</label
-              >
-              <UInput
-                id="price"
-                v-model="price"
-                type="number"
-                placeholder="20.00"
-                size="lg"
-                class="w-32"
-                :ui="{ leading: 'pointer-events-none' }">
-                <template #leading>
-                  <span class="text-sm font-mono">{{
-                    formatCurrency(0, {
-                      showSymbol: true,
-                      precision: 0,
-                    }).replace("0", "")
-                  }}</span>
-                </template>
-              </UInput>
-            </div>
-            <div>
-              <label for="storeCut" class="block font-bold text-sm mb-1"
-                >Store cut:</label
-              >
-              <UInput
-                id="storeCut"
-                v-model="storeCutInput"
-                type="number"
-                placeholder="30"
-                size="lg"
-                class="w-24"
-                :ui="{ trailing: 'pointer-events-none' }">
-                <template #trailing>
-                  <span class="text-sm font-mono">%</span>
-                </template>
-              </UInput>
-            </div>
-            <div>
-              <label for="reviewToSales" class="block font-bold text-sm mb-1"
-                >Sales per review:</label
-              >
-              <UInputNumber
-                id="reviewToSales"
-                v-model="reviewToSales"
-                :min="5"
-                :max="100"
-                size="lg" />
-            </div>
-          </div>
-
-          <!-- Outputs -->
-          <ul class="space-y-2 mb-4">
-            <li>
-              At {{ currency(price) }} per copy after store fees, you'd need
-              about
-              <strong>{{ unitsToBreakEven.toLocaleString() }} sales</strong> to
-              cover this budget.
-            </li>
-            <li>
-              That's roughly
-              <strong
-                >{{ reviewsToBreakEven.toLocaleString() }} Steam reviews</strong
-              >
-              (≈ {{ reviewToSales }} sales per review).
             </li>
           </ul>
-
-          <p class="text-base text-neutral-600 dark:text-neutral-400">
-            Assumes {{ percent(storeCutInput / 100) }} store fee. Taxes not
-            included.
-          </p>
         </div>
-      </div>
+
+        <!-- Break-Even Sketch -->
+        <div
+          class="text-black dark:text-white border-t border-neutral-300 dark:border-neutral-600 bg-white dark:bg-neutral-950">
+          <div class="p-6 text-black dark:text-white">
+            <h3 class="font-bold mb-4">Break-Even Sketch</h3>
+            <p class="mb-4">
+              There are so many ways to guess at the sales figures of published
+              games. One is to use a review-to-sales ratio, formalized in the
+              Boxleiter method and later discussed and refined by many others.
+              <a
+                href="https://app.sensortower.com/vgi/insights/article/how-to-estimate-steam-video-game-sales"
+                >VGInsights</a
+              >
+              and <a href="https://gamediscover.co/">GameDiscoverCo</a> are good
+              sources for more information on this method. Your chosen ratio
+              will vary, typically between 30 and 70 reviews per sale, and is
+              dependent on factors like genre, pricing, and market conditions at
+              the time of release.
+            </p>
+            <!-- Inputs -->
+            <div class="flex flex-wrap space-x-4 mb-6">
+              <div>
+                <label for="price" class="block font-bold text-sm mb-1"
+                  >Price per copy:</label
+                >
+                <UInput
+                  id="price"
+                  v-model="price"
+                  type="number"
+                  placeholder="20.00"
+                  size="lg"
+                  class="w-32"
+                  :ui="{ leading: 'pointer-events-none' }">
+                  <template #leading>
+                    <span class="text-sm font-mono">{{
+                      formatCurrency(0, {
+                        showSymbol: true,
+                        precision: 0,
+                      }).replace("0", "")
+                    }}</span>
+                  </template>
+                </UInput>
+              </div>
+              <div>
+                <label for="storeCut" class="block font-bold text-sm mb-1"
+                  >Store cut:</label
+                >
+                <UInput
+                  id="storeCut"
+                  v-model="storeCutInput"
+                  type="number"
+                  placeholder="30"
+                  size="lg"
+                  class="w-24"
+                  :ui="{ trailing: 'pointer-events-none' }">
+                  <template #trailing>
+                    <span class="text-sm font-mono">%</span>
+                  </template>
+                </UInput>
+              </div>
+              <div>
+                <label for="reviewToSales" class="block font-bold text-sm mb-1"
+                  >Sales per review:</label
+                >
+                <UInputNumber
+                  id="reviewToSales"
+                  v-model="reviewToSales"
+                  :min="5"
+                  :max="100"
+                  size="lg" />
+              </div>
+            </div>
+
+            <!-- Outputs -->
+            <ul class="space-y-2 mb-4">
+              <li>
+                At {{ currency(price) }} per copy after store fees, you'd need
+                about
+                <strong class="bg-yellow-200 dark:text-black"
+                  >{{ unitsToBreakEven.toLocaleString() }} sales</strong
+                >
+                to cover this budget.
+              </li>
+              <li>
+                That's roughly
+                <strong class="bg-yellow-200 dark:text-black"
+                  >{{ reviewsToBreakEven.toLocaleString() }} Steam
+                  reviews</strong
+                >
+                (≈ {{ reviewToSales }} sales per review).
+              </li>
+            </ul>
+
+            <p class="text-base text-neutral-600 dark:text-neutral-400">
+              Taxes not included.
+            </p>
+          </div>
+        </div>
       </div>
     </div>
   </div>
diff --git a/components/WizardPoliciesStep.vue b/components/WizardPoliciesStep.vue
index f4a53c3..bbc448c 100644
--- a/components/WizardPoliciesStep.vue
+++ b/components/WizardPoliciesStep.vue
@@ -35,24 +35,7 @@
         This hourly rate applies to all paid work in your co-op
       </p>
       <div class="flex gap-4 items-start">
-        <!-- Currency Selection -->
-        <UFormField label="Currency" class="w-1/2">
-          <USelect
-            v-model="selectedCurrency"
-            :items="currencySelectOptions"
-            placeholder="Select currency"
-            size="xl"
-            class="w-full"
-            @update:model-value="updateCurrency">
-            <template #leading>
-              <span class="text-lg">{{
-                getCurrencySymbol(selectedCurrency)
-              }}</span>
-            </template>
-          </USelect>
-        </UFormField>
-
-        <UFormField label="Hourly Rate" class="w-1/2">
+        <UFormField label="Hourly Rate" class="w-full">
           <UInput
             v-model="wageText"
             type="text"
@@ -62,7 +45,7 @@
             @update:model-value="validateAndSaveWage">
             <template #leading>
               <span class="text-neutral-500 text-xl">{{
-                getCurrencySymbol(selectedCurrency)
+                getCurrencySymbol(selectedCurrency.value)
               }}</span>
             </template>
           </UInput>
@@ -73,7 +56,7 @@
 </template>
 
 <script setup lang="ts">
-import { currencyOptions, getCurrencySymbol } from "~/utils/currency";
+import { getCurrencySymbol } from "~/utils/currency";
 
 const emit = defineEmits<{
   "save-status": [status: "saving" | "saved" | "error"];
@@ -87,7 +70,7 @@ const store = useCoopBuilderStore();
 const selectedPolicy = ref(coop.policy.value?.relationship || "equal-pay");
 const roleBands = ref(coop.policy.value?.roleBands || {});
 const wageText = ref(String(store.equalHourlyWage || ""));
-const selectedCurrency = ref(coop.currency.value || "EUR");
+const selectedCurrency = computed(() => coop.currency.value || "EUR");
 
 function parseNumberInput(val: unknown): number {
   if (typeof val === "number") return val;
@@ -115,23 +98,11 @@ const policyOptions = [
   },
 ];
 
-// Currency options for USelect (simplified format)
-const currencySelectOptions = computed(() =>
-  currencyOptions.map((currency) => ({
-    label: `${currency.name} (${currency.code})`,
-    value: currency.code,
-  }))
-);
 
 // Already initialized above with store values
 
 // Removed uniqueRoles computed - no longer needed with simplified policies
 
-function updateCurrency(value: string) {
-  selectedCurrency.value = value;
-  coop.setCurrency(value);
-  emit("save-status", "saved");
-}
 
 function updatePolicy(value: string) {
   coop.setPolicy(value as "equal-pay" | "needs-weighted" | "hours-weighted");
diff --git a/components/WizardSubnav.vue b/components/WizardSubnav.vue
index 5d2716f..d1ed534 100644
--- a/components/WizardSubnav.vue
+++ b/components/WizardSubnav.vue
@@ -1,9 +1,8 @@
 <template>
-  <div class="mb-12">
+  <div class="">
     <div class="w-full mx-auto">
       <nav
-        class="flex flex-wrap items-center space-x-1 font-mono uppercase justify-self-center"
-      >
+        class="flex flex-wrap items-center space-x-1 font-mono uppercase justify-self-center">
         <NuxtLink
           v-for="wizard in templateWizards"
           :key="wizard.id"
@@ -13,8 +12,7 @@
             isActive(wizard.path)
               ? 'bg-black text-white dark:bg-white dark:text-black no-underline'
               : ''
-          "
-        >
+          ">
           {{ wizard.name }}
         </NuxtLink>
       </nav>
@@ -29,22 +27,22 @@ const templateWizards = [
   {
     id: "membership-agreement",
     name: "Membership Agreement",
-    path: "/templates/membership-agreement",
+    path: "/tools/templates/membership-agreement",
   },
   {
     id: "conflict-resolution-framework",
     name: "Conflict Resolution",
-    path: "/templates/conflict-resolution-framework",
+    path: "/tools/templates/conflict-resolution-framework",
   },
   {
     id: "tech-charter",
     name: "Tech Charter",
-    path: "/templates/tech-charter",
+    path: "/tools/templates/tech-charter",
   },
   {
     id: "decision-framework",
     name: "Decision Framework",
-    path: "/templates/decision-framework",
+    path: "/tools/templates/decision-framework",
   },
 ];
 
diff --git a/composables/useSetupState.ts b/composables/useSetupState.ts
index e68f44a..79fa042 100644
--- a/composables/useSetupState.ts
+++ b/composables/useSetupState.ts
@@ -63,7 +63,7 @@ export const useSetupState = () => {
   }
 
   const goToMemberManagement = () => {
-    navigateTo('/settings#members')
+    navigateTo('/coop-planner')
   }
 
 
diff --git a/pages/glossary.vue b/pages/glossary.vue
deleted file mode 100644
index 19a0253..0000000
--- a/pages/glossary.vue
+++ /dev/null
@@ -1,178 +0,0 @@
-<template>
-  <section class="py-8 space-y-6">
-    <div class="flex items-center justify-between">
-      <h2 class="text-2xl font-semibold">Glossary</h2>
-      <UInput
-        v-model="searchQuery"
-        placeholder="Search definitions..."
-        icon="i-heroicons-magnifying-glass"
-        class="w-64"
-        :ui="{ icon: { trailing: { pointer: '' } } }" />
-    </div>
-
-    <UCard>
-      <div class="grid grid-cols-1 md:grid-cols-2 gap-8">
-        <div
-          v-for="letter in alphabeticalGroups"
-          :key="letter.letter"
-          class="space-y-4">
-          <h3
-            class="text-lg font-semibold text-primary-600 border-b border-neutral-200 pb-2">
-            {{ letter.letter }}
-          </h3>
-          <div class="space-y-4">
-            <div
-              v-for="term in letter.terms"
-              :key="term.id"
-              :id="term.id"
-              class="scroll-mt-20">
-              <dt class="font-medium text-neutral-900 mb-1">
-                {{ term.term }}
-              </dt>
-              <dd class="text-neutral-600 text-sm leading-relaxed">
-                {{ term.definition }}
-                <span
-                  v-if="term.example"
-                  class="block mt-1 text-neutral-500 italic">
-                  Example: {{ term.example }}
-                </span>
-              </dd>
-            </div>
-          </div>
-        </div>
-      </div>
-    </UCard>
-  </section>
-</template>
-
-<script setup lang="ts">
-const searchQuery = ref("");
-
-// Glossary terms based on CLAUDE.md definitions
-const glossaryTerms = ref([
-  {
-    id: "budget",
-    term: "Budget",
-    definition:
-      "Month-by-month plan of money in and money out. Not exact dates.",
-    example: "January budget shows €12,000 revenue and €9,900 costs",
-  },
-  {
-    id: "concentration",
-    term: "Concentration",
-    definition:
-      "Dependence on few revenue sources. UI shows top source percentage.",
-    example: "If 65% comes from one client, concentration is high risk",
-  },
-  {
-    id: "coverage",
-    term: "Coverage",
-    definition: "Funded paid hours divided by target hours across all members.",
-    example: "208 funded hours ÷ 320 target hours = 65% coverage",
-  },
-  {
-    id: "deferred-pay",
-    term: "Deferred Pay",
-    definition: "Unpaid hours the co-op owes later at the same wage.",
-    example: "Alex worked 40 hours unpaid in January, owed €800 later",
-  },
-  {
-    id: "equal-wage",
-    term: "Equal Wage",
-    definition: "Same hourly rate for all paid hours.",
-    example: "Everyone gets €20/hour for paid work, regardless of role",
-  },
-  {
-    id: "minimum-cash-cushion",
-    term: "Minimum Cash Cushion",
-    definition: "Lowest operating balance we agree not to breach.",
-    example: "€3,000 minimum means never go below this amount",
-  },
-  {
-    id: "on-costs",
-    term: "On-costs",
-    definition: "Employer taxes, benefits, and payroll fees on top of wages.",
-    example: "€6,400 wages + 25% on-costs = €8,000 total payroll",
-  },
-  {
-    id: "patronage",
-    term: "Patronage",
-    definition: "A way to share surplus based on recorded contributions.",
-    example: "Extra profits shared based on hours worked or value added",
-  },
-  {
-    id: "payout-delay",
-    term: "Payout Delay",
-    definition: "Time between earning money and receiving it.",
-    example: "Platform sales have 14-day delay, grants have 45-day delay",
-  },
-  {
-    id: "restricted-funds",
-    term: "Restricted Funds",
-    definition: "Money that can only be used for approved purposes.",
-    example: "Grant money restricted to development costs only",
-  },
-  {
-    id: "revenue-share",
-    term: "Revenue Share",
-    definition: "Percentage of earnings paid to platform or partner.",
-    example: "App store takes 30% revenue share on sales",
-  },
-  {
-    id: "runway",
-    term: "Runway",
-    definition:
-      "Months until cash plus savings run out under the current plan.",
-    example: "€13,000 available ÷ €4,600 monthly burn = 2.8 months runway",
-  },
-  {
-    id: "savings-target",
-    term: "Savings Target",
-    definition: "Money held for stability. Aim to reach before ramping hours.",
-    example: "3 months target = €13,800 for 3 months of expenses",
-  },
-  {
-    id: "surplus",
-    term: "Surplus",
-    definition: "Money left over after all costs are paid.",
-    example: "€12,000 revenue - €9,900 costs = €2,100 surplus",
-  },
-]);
-
-// Filter terms based on search
-const filteredTerms = computed(() => {
-  if (!searchQuery.value) return glossaryTerms.value;
-
-  const query = searchQuery.value.toLowerCase();
-  return glossaryTerms.value.filter(
-    (term) =>
-      term.term.toLowerCase().includes(query) ||
-      term.definition.toLowerCase().includes(query)
-  );
-});
-
-// Group terms alphabetically
-const alphabeticalGroups = computed(() => {
-  const groups = new Map();
-
-  filteredTerms.value
-    .sort((a, b) => a.term.localeCompare(b.term))
-    .forEach((term) => {
-      const letter = term.term[0].toUpperCase();
-      if (!groups.has(letter)) {
-        groups.set(letter, { letter, terms: [] });
-      }
-      groups.get(letter).terms.push(term);
-    });
-
-  return Array.from(groups.values()).sort((a, b) =>
-    a.letter.localeCompare(b.letter)
-  );
-});
-
-// SEO and accessibility
-useSeoMeta({
-  title: "Glossary - Plain English Definitions",
-  description: "Plain English definitions of co-op financial terms. No jargon.",
-});
-</script>
diff --git a/pages/help.vue b/pages/help.vue
deleted file mode 100644
index 57fc81d..0000000
--- a/pages/help.vue
+++ /dev/null
@@ -1,191 +0,0 @@
-<template>
-  <div class="min-h-screen bg-neutral-50 py-8">
-    <div class="container mx-auto max-w-4xl px-4">
-      <!-- Header -->
-      <div class="mb-8 text-center">
-        <h1 class="text-4xl font-bold mb-4">Budget Planning Help</h1>
-        <p class="text-xl text-neutral-600">Learn how to build a sustainable financial plan for your co-op or studio</p>
-      </div>
-
-      <!-- Navigation -->
-      <div class="mb-8">
-        <div class="border-4 border-black bg-white shadow-[8px_8px_0px_0px_rgba(0,0,0,1)]">
-          <div class="p-4">
-            <h2 class="text-xl font-bold mb-4">Quick Navigation</h2>
-            <div class="grid grid-cols-1 md:grid-cols-2 gap-4">
-              <a href="#revenue-diversification" class="block p-3 bg-blue-50 border-2 border-blue-200 rounded hover:bg-blue-100 transition-colors">
-                <span class="font-semibold">Revenue Diversification</span>
-                <p class="text-sm text-neutral-600">How to develop multiple income streams</p>
-              </a>
-              <a href="#budget-categories" class="block p-3 bg-green-50 border-2 border-green-200 rounded hover:bg-green-100 transition-colors">
-                <span class="font-semibold">Budget Categories</span>
-                <p class="text-sm text-neutral-600">Understanding revenue and expense types</p>
-              </a>
-              <a href="#planning-tips" class="block p-3 bg-yellow-50 border-2 border-yellow-200 rounded hover:bg-yellow-100 transition-colors">
-                <span class="font-semibold">Planning Tips</span>
-                <p class="text-sm text-neutral-600">Best practices for financial planning</p>
-              </a>
-              <a href="#getting-started" class="block p-3 bg-purple-50 border-2 border-purple-200 rounded hover:bg-purple-100 transition-colors">
-                <span class="font-semibold">Getting Started</span>
-                <p class="text-sm text-neutral-600">Step-by-step setup guide</p>
-              </a>
-            </div>
-          </div>
-        </div>
-      </div>
-
-      <!-- Content Sections -->
-      <div class="space-y-8">
-        
-        <!-- Revenue Diversification -->
-        <section id="revenue-diversification" class="border-4 border-black bg-white shadow-[8px_8px_0px_0px_rgba(0,0,0,1)]">
-          <div class="bg-blue-500 text-white px-6 py-4">
-            <h2 class="text-2xl font-bold">Revenue Diversification</h2>
-          </div>
-          <div class="p-6">
-            <div class="prose max-w-none">
-              <p class="text-lg mb-4">
-                Building multiple revenue streams reduces risk and creates more stable income for your co-op.
-              </p>
-              
-              <h3 class="text-xl font-semibold mb-3">How to Develop Games & Products</h3>
-              <p class="mb-4">
-                [Placeholder text - Add your content here about developing games and product revenue streams]
-              </p>
-              
-              <h3 class="text-xl font-semibold mb-3">How to Develop Services & Contracts</h3>
-              <p class="mb-4">
-                [Placeholder text - Add your content here about developing service-based revenue streams]
-              </p>
-              
-              <h3 class="text-xl font-semibold mb-3">How to Secure Grants & Funding</h3>
-              <p class="mb-4">
-                [Placeholder text - Add your content here about finding and securing grants]
-              </p>
-              
-              <h3 class="text-xl font-semibold mb-3">Building Community Support</h3>
-              <p class="mb-4">
-                [Placeholder text - Add your content here about building community-supported revenue]
-              </p>
-            </div>
-          </div>
-        </section>
-
-        <!-- Budget Categories -->
-        <section id="budget-categories" class="border-4 border-black bg-white shadow-[8px_8px_0px_0px_rgba(0,0,0,1)]">
-          <div class="bg-green-500 text-white px-6 py-4">
-            <h2 class="text-2xl font-bold">Budget Categories</h2>
-          </div>
-          <div class="p-6">
-            <div class="prose max-w-none">
-              <h3 class="text-xl font-semibold mb-3">Revenue Categories</h3>
-              <ul class="mb-6 space-y-2">
-                <li><strong>Games & Products:</strong> [Add description]</li>
-                <li><strong>Services & Contracts:</strong> [Add description]</li>
-                <li><strong>Grants & Funding:</strong> [Add description]</li>
-                <li><strong>Community Support:</strong> [Add description]</li>
-                <li><strong>Partnerships:</strong> [Add description]</li>
-                <li><strong>Investment Income:</strong> [Add description]</li>
-                <li><strong>In-Kind Contributions:</strong> [Add description]</li>
-              </ul>
-              
-              <h3 class="text-xl font-semibold mb-3">Expense Categories</h3>
-              <ul class="space-y-2">
-                <li><strong>Salaries & Benefits:</strong> [Add description]</li>
-                <li><strong>Development Costs:</strong> [Add description]</li>
-                <li><strong>Equipment & Technology:</strong> [Add description]</li>
-                <li><strong>Marketing & Outreach:</strong> [Add description]</li>
-                <li><strong>Office & Operations:</strong> [Add description]</li>
-                <li><strong>Legal & Professional:</strong> [Add description]</li>
-                <li><strong>Other Expenses:</strong> [Add description]</li>
-              </ul>
-            </div>
-          </div>
-        </section>
-
-        <!-- Planning Tips -->
-        <section id="planning-tips" class="border-4 border-black bg-white shadow-[8px_8px_0px_0px_rgba(0,0,0,1)]">
-          <div class="bg-yellow-500 text-white px-6 py-4">
-            <h2 class="text-2xl font-bold">Planning Tips</h2>
-          </div>
-          <div class="p-6">
-            <div class="prose max-w-none">
-              <h3 class="text-xl font-semibold mb-3">Concentration Risk</h3>
-              <p class="mb-4">
-                [Add content about managing concentration risk and why diversification matters]
-              </p>
-              
-              <h3 class="text-xl font-semibold mb-3">Monthly vs Annual Planning</h3>
-              <p class="mb-4">
-                [Add content about balancing monthly budgets with annual strategic planning]
-              </p>
-              
-              <h3 class="text-xl font-semibold mb-3">Setting Realistic Goals</h3>
-              <p class="mb-4">
-                [Add content about setting achievable revenue and expense targets]
-              </p>
-            </div>
-          </div>
-        </section>
-
-        <!-- Getting Started -->
-        <section id="getting-started" class="border-4 border-black bg-white shadow-[8px_8px_0px_0px_rgba(0,0,0,1)]">
-          <div class="bg-purple-500 text-white px-6 py-4">
-            <h2 class="text-2xl font-bold">Getting Started</h2>
-          </div>
-          <div class="p-6">
-            <div class="prose max-w-none">
-              <h3 class="text-xl font-semibold mb-3">Step 1: Set Up Your Basic Budget</h3>
-              <p class="mb-4">
-                [Add step-by-step instructions for initial budget setup]
-              </p>
-              
-              <h3 class="text-xl font-semibold mb-3">Step 2: Plan Your Revenue Streams</h3>
-              <p class="mb-4">
-                [Add guidance on planning initial revenue streams]
-              </p>
-              
-              <h3 class="text-xl font-semibold mb-3">Step 3: Track and Adjust</h3>
-              <p class="mb-4">
-                [Add content about ongoing budget management]
-              </p>
-            </div>
-          </div>
-        </section>
-
-      </div>
-
-      <!-- Back to Budget -->
-      <div class="mt-8 text-center">
-        <NuxtLink 
-          to="/budget" 
-          class="inline-block px-6 py-3 bg-black text-white font-bold border-4 border-black shadow-[4px_4px_0px_0px_rgba(0,0,0,1)] hover:shadow-[2px_2px_0px_0px_rgba(0,0,0,1)] hover:translate-x-[2px] hover:translate-y-[2px] transition-all"
-        >
-          Back to Budget
-        </NuxtLink>
-      </div>
-    </div>
-  </div>
-</template>
-
-<script setup lang="ts">
-// Page meta
-useHead({
-  title: 'Budget Planning Help - Urgent Tools',
-  meta: [
-    { name: 'description', content: 'Learn how to build sustainable financial plans and develop diverse revenue streams for your co-op or studio.' }
-  ]
-});
-</script>
-
-<style scoped>
-/* Smooth scrolling for anchor links */
-html {
-  scroll-behavior: smooth;
-}
-
-/* Ensure anchor links account for any fixed headers */
-section[id] {
-  scroll-margin-top: 2rem;
-}
-</style>
\ No newline at end of file
diff --git a/pages/index.vue b/pages/index.vue
index b72b8bb..eb0a4c1 100644
--- a/pages/index.vue
+++ b/pages/index.vue
@@ -1,382 +1,432 @@
 <template>
-  <section class="py-8 space-y-6">
-    <div class="flex items-center justify-between">
-      <div>
-        <h2 class="text-2xl font-semibold">Compensation</h2>
-        <div class="flex items-center gap-2 mt-1">
-          <span class="text-xs font-mono">
-            Runway: {{ Math.round(metrics.runway) }}mo
-          </span>
-        </div>
-      </div>
-      <div class="flex gap-2">
-        <button
-          @click="onExport"
-          class="px-4 py-2 border-2 border-black bg-white font-bold uppercase text-sm hover:shadow-[2px_2px_0px_0px_rgba(0,0,0,1)] transition-shadow">
-          Export JSON
-        </button>
-        <button
-          @click="onImport"
-          class="px-4 py-2 border-2 border-black bg-white font-bold uppercase text-sm hover:shadow-[2px_2px_0px_0px_rgba(0,0,0,1)] transition-shadow">
-          Import JSON
-        </button>
-      </div>
-    </div>
-
-    <!-- Key Metrics Row -->
-    <div class="grid grid-cols-1 md:grid-cols-2 gap-6">
-      <CoverageMeter
-        :funded-paid-hours="Math.round(metrics.totalTargetHours * 0.65)"
-        :target-hours="metrics.totalTargetHours"
-        description="Funded hours vs target capacity across all members." />
-
-      <ReserveMeter
-        :current-savings="savingsProgress.current"
-        :savings-target-months="savingsProgress.targetMonths"
-        :monthly-burn="getMonthlyBurn()"
-        :description="`${savingsProgress.progressPct.toFixed(0)}% of savings target reached. ${savingsProgress.gap > 0 ? 'Gap: ' + $format.currency(savingsProgress.gap) : 'Target achieved!'}`" />
-    </div>
-
-    <!-- Dashboard Components with Wizard Styling -->
-    <div class="grid grid-cols-1 lg:grid-cols-2 gap-6">
-      <!-- Needs Coverage Bars -->
-      <div class="border-2 border-black bg-white shadow-[4px_4px_0px_0px_rgba(0,0,0,1)]">
-        <div class="border-b-2 border-black p-4">
-          <h3 class="text-lg font-bold uppercase">Member Coverage</h3>
-        </div>
-        <div class="p-4">
-          <NeedsCoverageBars />
-        </div>
-      </div>
-
-      <!-- Milestone-Runway Overlay -->
-      <div class="border-2 border-black bg-white shadow-[4px_4px_0px_0px_rgba(0,0,0,1)]">
-        <div class="border-b-2 border-black p-4">
-          <h3 class="text-lg font-bold uppercase">Runway vs Milestones</h3>
-        </div>
-        <div class="p-4">
-          <MilestoneRunwayOverlay />
-        </div>
-      </div>
-    </div>
-
-    <!-- Alerts Section with Wizard Styling -->
-    <div class="border-2 border-black bg-white shadow-[4px_4px_0px_0px_rgba(0,0,0,1)]">
-      <div class="border-b-2 border-black p-4">
-        <h3 class="text-lg font-bold uppercase">Alerts</h3>
-      </div>
-      <div class="p-4 space-y-4">
-        <!-- Concentration Risk Alert -->
-        <div
-          v-if="topSourcePct > 50"
-          class="border-2 border-red-600 bg-red-50 p-4">
-          <div class="flex items-start gap-3">
-            <span class="text-red-600 font-bold text-xl">!</span>
-            <div class="flex-1">
-              <h4 class="font-bold uppercase mb-1">Revenue Concentration Risk</h4>
-              <p class="text-sm mb-2">{{ topStreamName }} = {{ topSourcePct }}% of total → consider balancing</p>
-              <button 
-                @click="handleAlertNavigation('/dashboard', 'concentration')"
-                class="text-sm underline font-bold">
-                VIEW DETAILS
-              </button>
-            </div>
+  <div class="min-h-screen">
+    <!-- Noise overlay and effects -->
+    <div class="noise" />
+    
+    <div class="container">
+      <section class="coming-soon">
+        <header>
+          <div class="glitch-container">
+            <div class="logo">coop.love</div>
           </div>
+        </header>
+        <p>
+          A new space to celebrate values-driven cooperative game development
+          around the world.
+        </p>
+        <p class="mt-2">
+          Join our list to be first to know when we launch!
+        </p>
+
+        <form
+          action="https://buttondown.com/api/emails/embed-subscribe/coop.love"
+          method="post"
+          target="popupwindow"
+          onsubmit="window.open('https://buttondown.com/coop.love', 'popupwindow')"
+          class="embeddable-buttondown-form">
+          <input
+            type="email"
+            name="email"
+            id="bd-email"
+            placeholder="your@email.com" />
+
+          <input type="submit" value="Subscribe" />
+        </form>
+
+        <div class="powered-by">
+          <p>A collaborative initiative powered by:</p>
+          <p class="org-names">
+            <a href="https://babyghosts.fund">Baby Ghosts</a> +
+            <a href="https://gammaspace.ca">Gamma Space</a>
+          </p>
         </div>
-          
-        <!-- Cushion Breach Alert -->
-        <div
-          v-if="alerts.cushionBreach"
-          class="border-2 border-orange-600 bg-orange-50 p-4">
-          <div class="flex items-start gap-3">
-            <span class="text-orange-600 font-bold text-xl">!</span>
-            <div class="flex-1">
-              <h4 class="font-bold uppercase mb-1">Cash Cushion Breach Forecast</h4>
-              <p class="text-sm mb-2">Projected to breach minimum cushion in week {{ cushionForecast.firstBreachWeek || 'unknown' }}</p>
-              <div class="flex gap-4">
-                <button 
-                  @click="handleAlertNavigation('/cash', 'breach-forecast')"
-                  class="text-sm underline font-bold">
-                  VIEW CALENDAR
-                </button>
-                <button 
-                  @click="handleAlertNavigation('/budget', 'expenses')"
-                  class="text-sm underline font-bold">
-                  ADJUST BUDGET
-                </button>
-              </div>
-            </div>
-          </div>
+
+        <!-- Tools access -->
+        <div class="tools-access">
+          <NuxtLink to="/tools" class="tools-link">
+            Access Urgent Tools →
+          </NuxtLink>
         </div>
-          
-        <!-- Savings Below Target Alert -->
-        <div
-          v-if="alerts.savingsBelowTarget"
-          class="border-2 border-yellow-600 bg-yellow-50 p-4">
-          <div class="flex items-start gap-3">
-            <span class="text-yellow-600 font-bold text-xl">!</span>
-            <div class="flex-1">
-              <h4 class="font-bold uppercase mb-1">Savings Below Target</h4>
-              <p class="text-sm mb-2">{{ savingsProgress.progressPct.toFixed(0) }}% of target reached. Build savings before increasing paid hours.</p>
-              <div class="flex gap-4">
-                <button 
-                  @click="handleAlertNavigation('/budget', 'savings')"
-                  class="text-sm underline font-bold">
-                  VIEW PROGRESS
-                </button>
-                <button 
-                  @click="handleAlertNavigation('/coop-builder', 'policies')"
-                  class="text-sm underline font-bold">
-                  ADJUST POLICIES
-                </button>
-              </div>
-            </div>
-          </div>
-        </div>
-          
-        <!-- Over-Deferred Member Alert -->
-        <div
-          v-if="deferredAlert.show"
-          class="border-2 border-purple-600 bg-purple-50 p-4">
-          <div class="flex items-start gap-3">
-            <span class="text-purple-600 font-bold text-xl">!</span>
-            <div class="flex-1">
-              <h4 class="font-bold uppercase mb-1">Member Over-Deferred</h4>
-              <p class="text-sm mb-2">{{ deferredAlert.description }}</p>
-              <button 
-                @click="handleAlertNavigation('/coop-builder', 'members')"
-                class="text-sm underline font-bold">
-                REVIEW MEMBERS
-              </button>
-            </div>
-          </div>
-        </div>
-          
-        <!-- Success message when no alerts -->
-        <div v-if="!alerts.cushionBreach && !alerts.savingsBelowTarget && topSourcePct <= 50 && !deferredAlert.show" 
-             class="text-center py-8">
-          <span class="text-4xl font-bold">✓</span>
-          <p class="font-bold uppercase mt-2">All systems looking good!</p>
-          <p class="text-sm mt-1">No critical alerts at this time.</p>
-        </div>
-      </div>
+      </section>
     </div>
-
-
-
-
-
-    <!-- Quick Actions with Wizard Styling -->
-    <div class="grid grid-cols-1 md:grid-cols-2 gap-4">
-      <button
-        @click="navigateTo('/cash-flow')"
-        class="border-2 border-black bg-white p-4 text-left hover:shadow-[4px_4px_0px_0px_rgba(0,0,0,1)] transition-shadow">
-        <div class="font-bold uppercase mb-1">Cash Flow Analysis</div>
-        <div class="text-sm">Detailed runway & one-time events</div>
-      </button>
-
-      <button
-        @click="navigateTo('/budget')"
-        class="border-2 border-black bg-white p-4 text-left hover:shadow-[4px_4px_0px_0px_rgba(0,0,0,1)] transition-shadow">
-        <div class="font-bold uppercase mb-1">Budget Planning</div>
-        <div class="text-sm">Manage expenses & savings</div>
-      </button>
-    </div>
-  </section>
+  </div>
 </template>
 
-<script setup lang="ts">
-// Dashboard page
-const { $format } = useNuxtApp();
+<script setup>
+useHead({
+  title: 'coop.love ❤️ Cooperative Game Development',
+  meta: [
+    { name: 'description', content: 'A new space to celebrate values-driven cooperative game development around the world.' }
+  ]
+})
+</script>
 
-// Use real store data instead of fixtures
-const membersStore = useMembersStore();
-const policiesStore = usePoliciesStore();
-const streamsStore = useStreamsStore();
-const budgetStore = useBudgetStore();
-const cashStore = useCashStore();
+<style scoped>
+/* Import Google Fonts for Courier Prime */
+@import url("https://fonts.googleapis.com/css2?family=Courier+Prime:wght@400;700&display=swap");
 
-// Runway composable with operating mode integration
-const { getDualModeRunway, getMonthlyBurn } = useRunway();
-
-// Cushion forecast and savings progress
-const { savingsProgress, cushionForecast, alerts } = useCushionForecast();
-
-
-// Calculate metrics from real store data
-const metrics = computed(() => {
-  const totalTargetHours = membersStore.members.reduce(
-    (sum, member) => sum + (member.capacity?.targetHours || 0),
-    0
-  );
-
-  const totalTargetRevenue = streamsStore.streams.reduce(
-    (sum, stream) => sum + (stream.targetMonthlyAmount || 0),
-    0
-  );
-
-  const totalOverheadCosts = budgetStore.overheadCosts.reduce(
-    (sum, cost) => sum + (cost.amount || 0),
-    0
-  );
-
-  // Use integrated runway calculations that respect operating mode
-  const currentMode = 'target'; // Always target mode now
-  const monthlyBurn = getMonthlyBurn(currentMode);
-  
-  // Use actual cash store values with fallback
-  const cash = cashStore.currentCash || 50000;
-  const savings = cashStore.currentSavings || 15000;
-  const totalLiquid = cash + savings;
-  
-  // Get dual-mode runway data
-  const runwayData = getDualModeRunway(cash, savings);
-  const runway = currentMode === 'target' ? runwayData.target : runwayData.minimum;
-
-  return {
-    totalTargetHours,
-    totalTargetRevenue,
-    monthlyPayroll: runwayData.minBurn, // Use actual calculated payroll
-    monthlyBurn,
-    runway,
-    runwayData, // Include dual-mode data
-    finances: {
-      currentBalances: {
-        cash: cashStore.currentCash,
-        savings: cashStore.currentSavings,
-        totalLiquid,
-      },
-      policies: {
-        equalHourlyWage: policiesStore.equalHourlyWage,
-        payrollOncostPct: policiesStore.payrollOncostPct,
-        savingsTargetMonths: policiesStore.savingsTargetMonths,
-        minCashCushionAmount: policiesStore.minCashCushionAmount,
-      },
-      deferredLiabilities: {
-        totalDeferred: membersStore.members.reduce(
-          (sum, m) =>
-            sum + (m.deferredHours || 0) * policiesStore.equalHourlyWage,
-          0
-        ),
-      },
-      surplus: Math.max(0, totalTargetRevenue - monthlyBurn),
-      savingsGap: Math.max(
-        0,
-        policiesStore.savingsTargetMonths * monthlyBurn -
-          cashStore.currentSavings
-      ),
-    },
-  };
-});
-
-// Calculate concentration metrics
-const topSourcePct = computed(() => {
-  if (streamsStore.streams.length === 0) return 0;
-  const amounts = streamsStore.streams.map((s) => s.targetMonthlyAmount || 0);
-  const total = amounts.reduce((sum, amt) => sum + amt, 0);
-  return total > 0 ? Math.round((Math.max(...amounts) / total) * 100) : 0;
-});
-
-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";
-  return "green";
-});
-
-const concentrationColor = computed(() => {
-  if (topSourcePct.value > 50) return "text-red-600";
-  if (topSourcePct.value > 35) return "text-yellow-600";
-  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'
+:root {
+  --accent-1: #333333;
+  --accent-2: #555555;
+  --accent-3: #777777;
+  --light: #f5f5f5;
+  --lighter: #ffffff;
+  --text: #0a0a0a;
+  --scanline: rgba(0, 0, 0, 0.05);
+  --font-stack: "Courier Prime", "Consolas", "Menlo", "Monaco",
+    "Courier New", monospace;
 }
 
+* {
+  margin: 0;
+  padding: 0;
+  box-sizing: border-box;
+}
 
-// Cash breach description
-const cashBreachDescription = computed(() => {
-  // Check cash store for first breach week from projections
-  const breachWeek = cashStore.weeklyProjections.find(
-    (week) => week.breachesCushion
+.min-h-screen {
+  background-color: var(--lighter);
+  background-image: radial-gradient(
+    circle at 50% 50%,
+    rgba(245, 245, 245, 0.6) 0%,
+    rgba(250, 250, 250, 0.8) 70%,
+    var(--lighter) 100%
   );
-  if (breachWeek) {
-    return `Week ${breachWeek.number} would drop below your minimum cushion.`;
+  color: var(--text);
+  font-family: var(--font-stack);
+  line-height: 1.6;
+  position: relative;
+  overflow-x: hidden;
+}
+
+.min-h-screen::before {
+  content: "";
+  position: fixed;
+  top: 0;
+  left: 0;
+  width: 100%;
+  height: 100%;
+  background: linear-gradient(
+      rgba(0, 0, 0, 0) 50%,
+      rgba(0, 0, 0, 0.08) 50%
+    ),
+    linear-gradient(
+      90deg,
+      rgba(0, 0, 0, 0.03),
+      rgba(0, 0, 0, 0.05),
+      rgba(0, 0, 0, 0.03)
+    );
+  background-size: 100% 3px, 3px 100%;
+  pointer-events: none;
+  z-index: 9999;
+  mix-blend-mode: multiply;
+}
+
+.noise {
+  position: fixed;
+  top: 0;
+  left: 0;
+  width: 100%;
+  height: 100%;
+  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 1000 1000' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noiseFilter'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.8' numOctaves='5' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noiseFilter)'/%3E%3C/svg%3E");
+  opacity: 0.08;
+  pointer-events: none;
+  z-index: 9998;
+  mix-blend-mode: multiply;
+}
+
+.container {
+  max-width: 1200px;
+  margin: 0 auto;
+  padding: 1rem;
+  position: relative;
+  z-index: 1;
+}
+
+header {
+  padding: 2rem 1rem;
+  position: relative;
+  border-bottom: 1px solid var(--accent-3);
+  margin-bottom: 4rem;
+}
+
+.glitch-container {
+  position: relative;
+  text-align: center;
+  margin-bottom: 2rem;
+  width: 100%;
+  display: flex;
+  justify-content: center;
+  align-items: center;
+}
+
+.logo {
+  font-family: var(--font-stack);
+  font-size: clamp(3rem, 10vw, 7rem);
+  font-weight: 400;
+  color: var(--text);
+  text-shadow: 0 0 5px rgba(214, 138, 229, 0.7),
+    0 0 10px rgba(84, 194, 243, 0.7);
+  margin-bottom: 1rem;
+  position: relative;
+  animation: flicker 4s infinite alternate;
+  width: 100%;
+  text-align: center;
+}
+
+.logo::before,
+.logo::after {
+  content: "coop.love";
+  position: absolute;
+  top: 0;
+  left: 0;
+  width: 100%;
+  height: 100%;
+  text-align: center;
+}
+
+.logo::before {
+  color: var(--accent-2);
+  opacity: 0.5;
+  animation: glitch-1 2s infinite alternate-reverse;
+}
+
+.logo::after {
+  color: var(--accent-3);
+  opacity: 0.5;
+  animation: glitch-2 3.5s infinite alternate-reverse;
+}
+
+@keyframes flicker {
+  0%,
+  19.999%,
+  22%,
+  62.999%,
+  64%,
+  64.999%,
+  70%,
+  100% {
+    opacity: 1;
   }
-  return "No cushion breach currently projected.";
-});
+  20%,
+  21.999%,
+  63%,
+  63.999%,
+  65%,
+  69.999% {
+    opacity: 0.5;
+  }
+}
 
-const onExport = () => {
-  const data = exportAll();
-  const blob = new Blob([JSON.stringify(data, null, 2)], {
-    type: "application/json",
-  });
-  const url = URL.createObjectURL(blob);
-  const a = document.createElement("a");
-  a.href = url;
-  a.download = "urgent-tools.json";
-  a.click();
-  URL.revokeObjectURL(url);
-};
+@keyframes glitch-1 {
+  0%,
+  100% {
+    transform: translate(0);
+  }
+  20% {
+    transform: translate(-2px, 2px);
+  }
+  40% {
+    transform: translate(-2px, -2px);
+  }
+  60% {
+    transform: translate(2px, 2px);
+  }
+  80% {
+    transform: translate(2px, -2px);
+  }
+}
 
-const onImport = async () => {
-  const input = document.createElement("input");
-  input.type = "file";
-  input.accept = "application/json";
-  input.onchange = async () => {
-    const file = input.files?.[0];
-    if (!file) return;
-    const text = await file.text();
-    importAll(JSON.parse(text));
-  };
-  input.click();
-};
+@keyframes glitch-2 {
+  0%,
+  100% {
+    transform: translate(0);
+  }
+  25% {
+    transform: translate(2px, -2px);
+  }
+  50% {
+    transform: translate(-2px, 2px);
+  }
+  75% {
+    transform: translate(2px, 2px);
+  }
+}
 
-const { exportAll, importAll } = useFixtureIO();
+.coming-soon {
+  text-align: center;
+  margin: 4rem 0;
+  padding: 3rem;
+  position: relative;
+}
 
+.embeddable-buttondown-form {
+  margin-top: 2rem;
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  gap: 1rem;
+  width: 100%;
+  max-width: 400px;
+  margin-left: auto;
+  margin-right: auto;
+}
 
-// 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
+.embeddable-buttondown-form label {
+  margin-bottom: 0.5rem;
+  font-size: 1.1rem;
+  color: var(--accent-1);
+}
+
+.embeddable-buttondown-form input[type="email"] {
+  background: var(--lighter);
+  border: 1px solid var(--accent-2);
+  padding: 0.8rem;
+  width: 100%;
+  font-family: var(--font-stack);
+  color: var(--text);
+  font-size: 1rem;
+  transition: all 0.3s ease;
+}
+
+.embeddable-buttondown-form input[type="email"]:focus {
+  border-color: var(--accent-1);
+  outline: none;
+  box-shadow: 0 0 5px rgba(51, 51, 51, 0.3);
+}
+
+.embeddable-buttondown-form input[type="submit"] {
+  background: var(--lighter);
+  color: var(--accent-1);
+  border: 1px solid var(--accent-1);
+  padding: 0.8rem 2rem;
+  font-size: 1rem;
+  text-transform: uppercase;
+  letter-spacing: 2px;
+  cursor: pointer;
+  transition: all 0.3s ease;
+  position: relative;
+  overflow: hidden;
+  font-family: var(--font-stack);
+  width: 100%;
+}
+
+.embeddable-buttondown-form input[type="submit"]:hover {
+  background: var(--accent-1);
+  color: var(--lighter);
+  text-shadow: none;
+  box-shadow: 0 0 10px rgba(51, 51, 51, 0.3);
+}
+
+.embeddable-buttondown-form input[type="submit"]:before {
+  content: "";
+  position: absolute;
+  top: 0;
+  left: -100%;
+  width: 100%;
+  height: 100%;
+  background: linear-gradient(
+    to right,
+    transparent,
+    rgba(255, 255, 255, 0.2),
+    transparent
   );
-  
-  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.`
-      : ''
-  };
-});
+  transition: left 0.7s ease;
+}
 
-// 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() }));
+.embeddable-buttondown-form input[type="submit"]:hover:before {
+  left: 100%;
+}
+
+.powered-by {
+  display: flex;
+  justify-content: center;
+  align-items: center;
+  margin-top: 2rem;
+  gap: 1rem;
+  flex-wrap: wrap;
+}
+
+.powered-by p {
+  font-size: 0.9rem;
+  opacity: 0.7;
+}
+
+.org-names {
+  color: var(--accent-1);
+}
+
+.org-names a {
+  color: #8a34d6;
+  text-decoration: none;
+  transition: all 0.3s ease;
+}
+
+.org-names a:hover {
+  color: #d68ae5;
+  text-decoration: underline;
+}
+
+.tools-access {
+  margin-top: 3rem;
+  padding-top: 2rem;
+  border-top: 1px solid var(--accent-3);
+}
+
+.tools-link {
+  background: var(--lighter);
+  color: var(--accent-1);
+  border: 1px solid var(--accent-1);
+  padding: 0.8rem 2rem;
+  font-size: 1rem;
+  text-transform: uppercase;
+  letter-spacing: 2px;
+  text-decoration: none;
+  display: inline-block;
+  transition: all 0.3s ease;
+  position: relative;
+  overflow: hidden;
+  font-family: var(--font-stack);
+}
+
+.tools-link:hover {
+  background: var(--accent-1);
+  color: var(--lighter);
+  text-shadow: none;
+  box-shadow: 0 0 10px rgba(51, 51, 51, 0.3);
+}
+
+.tools-link:before {
+  content: "";
+  position: absolute;
+  top: 0;
+  left: -100%;
+  width: 100%;
+  height: 100%;
+  background: linear-gradient(
+    to right,
+    transparent,
+    rgba(255, 255, 255, 0.2),
+    transparent
+  );
+  transition: left 0.7s ease;
+}
+
+.tools-link:hover:before {
+  left: 100%;
+}
+
+@media (max-width: 768px) {
+  .logo {
+    width: 100%;
   }
-  navigateTo(path);
-};
-</script>
+
+  header {
+    padding: 1rem 0.5rem;
+    margin-bottom: 2rem;
+  }
+
+  .coming-soon {
+    padding: 1.5rem 1rem;
+  }
+}
+</style>
\ No newline at end of file
diff --git a/pages/settings.vue b/pages/settings.vue
deleted file mode 100644
index 88fa907..0000000
--- a/pages/settings.vue
+++ /dev/null
@@ -1,219 +0,0 @@
-<template>
-  <section class="py-8 space-y-6">
-    <div class="flex items-center justify-between">
-      <h2 class="text-2xl font-semibold">Policies & Privacy</h2>
-    </div>
-
-    <div class="grid grid-cols-1 lg:grid-cols-2 gap-6">
-      <UCard>
-        <template #header>
-          <h3 class="text-lg font-medium">Wage & Costs</h3>
-        </template>
-        <div class="space-y-4">
-          <div>
-            <label class="block text-sm font-medium mb-2"
-              >Equal Hourly Wage</label
-            >
-            <UInput
-              v-model="policies.hourlyWage"
-              type="number"
-              :ui="{ wrapper: 'relative' }">
-              <template #leading>
-                <span class="text-neutral-500">€</span>
-              </template>
-            </UInput>
-          </div>
-          <div>
-            <label class="block text-sm font-medium mb-2"
-              >Payroll On-costs (%)</label
-            >
-            <UInput
-              v-model="policies.payrollOncost"
-              type="number"
-              :ui="{ wrapper: 'relative' }">
-              <template #trailing>
-                <span class="text-neutral-500">%</span>
-              </template>
-            </UInput>
-          </div>
-        </div>
-      </UCard>
-
-      <UCard>
-        <template #header>
-          <h3 class="text-lg font-medium">Cash Management</h3>
-        </template>
-        <div class="space-y-4">
-          <div>
-            <label class="block text-sm font-medium mb-2"
-              >Savings Target (months)</label
-            >
-            <UInput
-              v-model="policies.savingsTargetMonths"
-              type="number"
-              step="0.1" />
-          </div>
-          <div>
-            <label class="block text-sm font-medium mb-2"
-              >Minimum Cash Cushion</label
-            >
-            <UInput
-              v-model="policies.minCashCushion"
-              type="number"
-              :ui="{ wrapper: 'relative' }">
-              <template #leading>
-                <span class="text-neutral-500">€</span>
-              </template>
-            </UInput>
-          </div>
-        </div>
-      </UCard>
-
-      <UCard>
-        <template #header>
-          <h3 class="text-lg font-medium">Deferred Pay Limits</h3>
-        </template>
-        <div class="space-y-4">
-          <div>
-            <label class="block text-sm font-medium mb-2"
-              >Cap (hours per quarter)</label
-            >
-            <UInput v-model="policies.deferredCapHours" type="number" />
-          </div>
-          <div>
-            <label class="block text-sm font-medium mb-2"
-              >Sunset (months)</label
-            >
-            <UInput v-model="policies.deferredSunsetMonths" type="number" />
-          </div>
-        </div>
-      </UCard>
-
-      <UCard>
-        <template #header>
-          <h3 class="text-lg font-medium">Distribution Order</h3>
-        </template>
-        <div class="space-y-4">
-          <p class="text-sm text-neutral-600">
-            Order of surplus distribution priorities.
-          </p>
-          <div class="space-y-2">
-            <div
-              v-for="(item, index) in distributionOrder"
-              :key="item"
-              class="flex items-center justify-between p-2 bg-neutral-50 rounded">
-              <span class="text-sm font-medium"
-                >{{ index + 1 }}. {{ item }}</span
-              >
-              <div class="flex gap-1">
-                <UButton
-                  size="xs"
-                  variant="ghost"
-                  icon="i-heroicons-chevron-up" />
-                <UButton
-                  size="xs"
-                  variant="ghost"
-                  icon="i-heroicons-chevron-down" />
-              </div>
-            </div>
-          </div>
-        </div>
-      </UCard>
-    </div>
-
-    <!-- Member Management Section -->
-    <UCard id="members">
-      <template #header>
-        <div class="flex items-center justify-between">
-          <h3 class="text-lg font-medium">Team Members</h3>
-          <div class="flex items-center gap-2">
-            <UBadge v-if="isSetupComplete" color="green" variant="subtle" size="xs">
-              Synchronized with Setup
-            </UBadge>
-            <UButton variant="ghost" size="xs" @click="goToSetup">
-              Edit in Setup
-            </UButton>
-          </div>
-        </div>
-      </template>
-      
-      <div class="space-y-4">
-        <div v-if="members.length === 0" class="text-center py-8 text-neutral-500">
-          <p class="mb-4">No team members found.</p>
-          <UButton @click="goToSetup" variant="outline">
-            Add Members in Setup
-          </UButton>
-        </div>
-        
-        <div v-else class="space-y-3">
-          <div 
-            v-for="member in members" 
-            :key="member.id"
-            class="p-4 border border-neutral-200 rounded-lg bg-neutral-50">
-            <div class="flex items-center justify-between">
-              <div>
-                <h4 class="font-medium">{{ member.displayName || member.name }}</h4>
-                <div class="text-sm text-neutral-600 space-y-1">
-                  <div v-if="member.role">Role: {{ member.role }}</div>
-                  <div>Monthly Target: {{ $format.currency(member.monthlyPayPlanned || 0) }}</div>
-                  <div v-if="member.minMonthlyNeeds">Min Needs: {{ $format.currency(member.minMonthlyNeeds) }}</div>
-                </div>
-              </div>
-              <div class="text-right text-sm text-neutral-600">
-                <div>{{ Math.round((member.hoursPerMonth || member.hoursPerWeek * 4.33)) }} hrs/month</div>
-              </div>
-            </div>
-          </div>
-        </div>
-      </div>
-    </UCard>
-
-    <div class="flex justify-end">
-      <UButton color="primary"> Save Policies </UButton>
-    </div>
-  </section>
-</template>
-
-<script setup lang="ts">
-// Store sync and setup state
-const { initSync, getMembers, unifiedMembers } = useStoreSync();
-const { isSetupComplete, goToSetup } = useSetupState();
-const coopStore = useCoopBuilderStore();
-const { $format } = useNuxtApp();
-
-// Initialize synchronization on mount
-onMounted(async () => {
-  await initSync();
-});
-
-// Get reactive synchronized member data
-const members = unifiedMembers;
-
-// Get synchronized policy data from setup
-const policies = computed({
-  get: () => ({
-    hourlyWage: coopStore.equalHourlyWage,
-    payrollOncost: coopStore.payrollOncostPct,
-    savingsTargetMonths: coopStore.savingsTargetMonths,
-    minCashCushion: coopStore.minCashCushion,
-    deferredCapHours: 240, // These fields might not be in coop store yet
-    deferredSunsetMonths: 12,
-  }),
-  set: (newPolicies) => {
-    // Update the CoopBuilder store when policies change
-    coopStore.setEqualWage(newPolicies.hourlyWage);
-    coopStore.setOncostPct(newPolicies.payrollOncost);
-    coopStore.savingsTargetMonths = newPolicies.savingsTargetMonths;
-    coopStore.minCashCushion = newPolicies.minCashCushion;
-  }
-});
-
-const distributionOrder = ref([
-  "Deferred",
-  "Savings",
-  "Hardship",
-  "Training",
-  "Patronage",
-  "Retained",
-]);
-</script>
diff --git a/pages/budget.vue b/pages/tools/budget.vue
similarity index 99%
rename from pages/budget.vue
rename to pages/tools/budget.vue
index bb2976a..c01ebf4 100644
--- a/pages/budget.vue
+++ b/pages/tools/budget.vue
@@ -40,7 +40,7 @@
           </p>
           <div class="flex justify-center">
             <NuxtLink
-              to="/coop-builder"
+              to="/tools/coop-builder"
               class="inline-flex items-center px-4 py-2 text-sm font-medium text-white bg-black hover:bg-neutral-800 border-2 border-black transition-colors">
               Complete Setup Wizard
             </NuxtLink>
diff --git a/pages/coop-builder.vue b/pages/tools/coop-builder.vue
similarity index 99%
rename from pages/coop-builder.vue
rename to pages/tools/coop-builder.vue
index 4b7161c..e6bdb76 100644
--- a/pages/coop-builder.vue
+++ b/pages/tools/coop-builder.vue
@@ -39,7 +39,7 @@
               :disabled="isResetting">
               Start Over
             </button>
-            <button class="export-btn primary" @click="navigateTo('/budget')">
+            <button class="export-btn primary" @click="navigateTo('/tools/budget')">
               Go to Dashboard
             </button>
           </div>
diff --git a/pages/coop-planner.vue b/pages/tools/coop-planner.vue
similarity index 100%
rename from pages/coop-planner.vue
rename to pages/tools/coop-planner.vue
diff --git a/pages/dashboard-simple.vue b/pages/tools/dashboard-simple.vue
similarity index 100%
rename from pages/dashboard-simple.vue
rename to pages/tools/dashboard-simple.vue
diff --git a/pages/tools/index.vue b/pages/tools/index.vue
new file mode 100644
index 0000000..b851e23
--- /dev/null
+++ b/pages/tools/index.vue
@@ -0,0 +1,381 @@
+<template>
+  <section class="py-8 space-y-6">
+    <div class="flex items-center justify-between">
+      <div>
+        <h2 class="text-2xl font-semibold">Compensation</h2>
+        <div class="flex items-center gap-2 mt-1">
+          <span class="text-xs font-mono">
+            Runway: {{ Math.round(metrics.runway) }}mo
+          </span>
+        </div>
+      </div>
+      <div class="flex gap-2">
+        <button
+          @click="onExport"
+          class="px-4 py-2 border-2 border-black bg-white font-bold uppercase text-sm hover:shadow-[2px_2px_0px_0px_rgba(0,0,0,1)] transition-shadow">
+          Export JSON
+        </button>
+        <button
+          @click="onImport"
+          class="px-4 py-2 border-2 border-black bg-white font-bold uppercase text-sm hover:shadow-[2px_2px_0px_0px_rgba(0,0,0,1)] transition-shadow">
+          Import JSON
+        </button>
+      </div>
+    </div>
+
+    <!-- Key Metrics Row -->
+    <div class="grid grid-cols-1 md:grid-cols-2 gap-6">
+      <CoverageMeter
+        :funded-paid-hours="Math.round(metrics.totalTargetHours * 0.65)"
+        :target-hours="metrics.totalTargetHours"
+        description="Funded hours vs target capacity across all members." />
+
+      <ReserveMeter
+        :current-savings="savingsProgress.current"
+        :savings-target-months="savingsProgress.targetMonths"
+        :monthly-burn="getMonthlyBurn()"
+        :description="`${savingsProgress.progressPct.toFixed(0)}% of savings target reached. ${savingsProgress.gap > 0 ? 'Gap: ' + $format.currency(savingsProgress.gap) : 'Target achieved!'}`" />
+    </div>
+
+    <!-- Dashboard Components with Wizard Styling -->
+    <div class="grid grid-cols-1 lg:grid-cols-2 gap-6">
+      <!-- Needs Coverage Bars -->
+      <div class="border-2 border-black bg-white shadow-[4px_4px_0px_0px_rgba(0,0,0,1)]">
+        <div class="border-b-2 border-black p-4">
+          <h3 class="text-lg font-bold uppercase">Member Coverage</h3>
+        </div>
+        <div class="p-4">
+          <NeedsCoverageBars />
+        </div>
+      </div>
+
+      <!-- Milestone-Runway Overlay -->
+      <div class="border-2 border-black bg-white shadow-[4px_4px_0px_0px_rgba(0,0,0,1)]">
+        <div class="border-b-2 border-black p-4">
+          <h3 class="text-lg font-bold uppercase">Runway vs Milestones</h3>
+        </div>
+        <div class="p-4">
+          <MilestoneRunwayOverlay />
+        </div>
+      </div>
+    </div>
+
+    <!-- Alerts Section with Wizard Styling -->
+    <div class="border-2 border-black bg-white shadow-[4px_4px_0px_0px_rgba(0,0,0,1)]">
+      <div class="border-b-2 border-black p-4">
+        <h3 class="text-lg font-bold uppercase">Alerts</h3>
+      </div>
+      <div class="p-4 space-y-4">
+        <!-- Concentration Risk Alert -->
+        <div
+          v-if="topSourcePct > 50"
+          class="border-2 border-red-600 bg-red-50 p-4">
+          <div class="flex items-start gap-3">
+            <span class="text-red-600 font-bold text-xl">!</span>
+            <div class="flex-1">
+              <h4 class="font-bold uppercase mb-1">Revenue Concentration Risk</h4>
+              <p class="text-sm mb-2">{{ topStreamName }} = {{ topSourcePct }}% of total → consider balancing</p>
+              <button 
+                @click="handleAlertNavigation('/tools/', 'concentration')"
+                class="text-sm underline font-bold">
+                VIEW DETAILS
+              </button>
+            </div>
+          </div>
+        </div>
+          
+        <!-- Cushion Breach Alert -->
+        <div
+          v-if="alerts.cushionBreach"
+          class="border-2 border-orange-600 bg-orange-50 p-4">
+          <div class="flex items-start gap-3">
+            <span class="text-orange-600 font-bold text-xl">!</span>
+            <div class="flex-1">
+              <h4 class="font-bold uppercase mb-1">Cash Cushion Breach Forecast</h4>
+              <p class="text-sm mb-2">Projected to breach minimum cushion in week {{ cushionForecast.firstBreachWeek || 'unknown' }}</p>
+              <div class="flex gap-4">
+                <button 
+                  @click="handleAlertNavigation('/tools/cash', 'breach-forecast')"
+                  class="text-sm underline font-bold">
+                  VIEW CALENDAR
+                </button>
+                <button 
+                  @click="handleAlertNavigation('/tools/budget', 'expenses')"
+                  class="text-sm underline font-bold">
+                  ADJUST BUDGET
+                </button>
+              </div>
+            </div>
+          </div>
+        </div>
+          
+        <!-- Savings Below Target Alert -->
+        <div
+          v-if="alerts.savingsBelowTarget"
+          class="border-2 border-yellow-600 bg-yellow-50 p-4">
+          <div class="flex items-start gap-3">
+            <span class="text-yellow-600 font-bold text-xl">!</span>
+            <div class="flex-1">
+              <h4 class="font-bold uppercase mb-1">Savings Below Target</h4>
+              <p class="text-sm mb-2">{{ savingsProgress.progressPct.toFixed(0) }}% of target reached. Build savings before increasing paid hours.</p>
+              <div class="flex gap-4">
+                <button 
+                  @click="handleAlertNavigation('/tools/budget', 'savings')"
+                  class="text-sm underline font-bold">
+                  VIEW PROGRESS
+                </button>
+                <button 
+                  @click="handleAlertNavigation('/tools/coop-builder', 'policies')"
+                  class="text-sm underline font-bold">
+                  ADJUST POLICIES
+                </button>
+              </div>
+            </div>
+          </div>
+        </div>
+          
+        <!-- Over-Deferred Member Alert -->
+        <div
+          v-if="deferredAlert.show"
+          class="border-2 border-purple-600 bg-purple-50 p-4">
+          <div class="flex items-start gap-3">
+            <span class="text-purple-600 font-bold text-xl">!</span>
+            <div class="flex-1">
+              <h4 class="font-bold uppercase mb-1">Member Over-Deferred</h4>
+              <p class="text-sm mb-2">{{ deferredAlert.description }}</p>
+              <button 
+                @click="handleAlertNavigation('/tools/coop-builder', 'members')"
+                class="text-sm underline font-bold">
+                REVIEW MEMBERS
+              </button>
+            </div>
+          </div>
+        </div>
+          
+        <!-- Success message when no alerts -->
+        <div v-if="!alerts.cushionBreach && !alerts.savingsBelowTarget && topSourcePct <= 50 && !deferredAlert.show" 
+             class="text-center py-8">
+          <span class="text-4xl font-bold">✓</span>
+          <p class="font-bold uppercase mt-2">All systems looking good!</p>
+          <p class="text-sm mt-1">No critical alerts at this time.</p>
+        </div>
+      </div>
+    </div>
+
+
+
+
+    <!-- Quick Actions with Wizard Styling -->
+    <div class="grid grid-cols-1 md:grid-cols-2 gap-4">
+      <button
+        @click="navigateTo('/tools/cash-flow')"
+        class="border-2 border-black bg-white p-4 text-left hover:shadow-[4px_4px_0px_0px_rgba(0,0,0,1)] transition-shadow">
+        <div class="font-bold uppercase mb-1">Cash Flow Analysis</div>
+        <div class="text-sm">Detailed runway & one-time events</div>
+      </button>
+
+      <button
+        @click="navigateTo('/tools/budget')"
+        class="border-2 border-black bg-white p-4 text-left hover:shadow-[4px_4px_0px_0px_rgba(0,0,0,1)] transition-shadow">
+        <div class="font-bold uppercase mb-1">Budget Planning</div>
+        <div class="text-sm">Manage expenses & savings</div>
+      </button>
+    </div>
+  </section>
+</template>
+
+<script setup lang="ts">
+// Dashboard page
+const { $format } = useNuxtApp();
+
+// Use real store data instead of fixtures
+const membersStore = useMembersStore();
+const policiesStore = usePoliciesStore();
+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();
+
+
+// Calculate metrics from real store data
+const metrics = computed(() => {
+  const totalTargetHours = membersStore.members.reduce(
+    (sum, member) => sum + (member.capacity?.targetHours || 0),
+    0
+  );
+
+  const totalTargetRevenue = streamsStore.streams.reduce(
+    (sum, stream) => sum + (stream.targetMonthlyAmount || 0),
+    0
+  );
+
+  const totalOverheadCosts = budgetStore.overheadCosts.reduce(
+    (sum, cost) => sum + (cost.amount || 0),
+    0
+  );
+
+  // Use integrated runway calculations that respect operating mode
+  const currentMode = 'target'; // Always target mode now
+  const monthlyBurn = getMonthlyBurn(currentMode);
+  
+  // Use actual cash store values with fallback
+  const cash = cashStore.currentCash || 50000;
+  const savings = cashStore.currentSavings || 15000;
+  const totalLiquid = cash + savings;
+  
+  // Get dual-mode runway data
+  const runwayData = getDualModeRunway(cash, savings);
+  const runway = currentMode === 'target' ? runwayData.target : runwayData.minimum;
+
+  return {
+    totalTargetHours,
+    totalTargetRevenue,
+    monthlyPayroll: runwayData.minBurn, // Use actual calculated payroll
+    monthlyBurn,
+    runway,
+    runwayData, // Include dual-mode data
+    finances: {
+      currentBalances: {
+        cash: cashStore.currentCash,
+        savings: cashStore.currentSavings,
+        totalLiquid,
+      },
+      policies: {
+        equalHourlyWage: policiesStore.equalHourlyWage,
+        payrollOncostPct: policiesStore.payrollOncostPct,
+        savingsTargetMonths: policiesStore.savingsTargetMonths,
+        minCashCushionAmount: policiesStore.minCashCushionAmount,
+      },
+      deferredLiabilities: {
+        totalDeferred: membersStore.members.reduce(
+          (sum, m) =>
+            sum + (m.deferredHours || 0) * policiesStore.equalHourlyWage,
+          0
+        ),
+      },
+      surplus: Math.max(0, totalTargetRevenue - monthlyBurn),
+      savingsGap: Math.max(
+        0,
+        policiesStore.savingsTargetMonths * monthlyBurn -
+          cashStore.currentSavings
+      ),
+    },
+  };
+});
+
+// Calculate concentration metrics
+const topSourcePct = computed(() => {
+  if (streamsStore.streams.length === 0) return 0;
+  const amounts = streamsStore.streams.map((s) => s.targetMonthlyAmount || 0);
+  const total = amounts.reduce((sum, amt) => sum + amt, 0);
+  return total > 0 ? Math.round((Math.max(...amounts) / total) * 100) : 0;
+});
+
+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";
+  return "green";
+});
+
+const concentrationColor = computed(() => {
+  if (topSourcePct.value > 50) return "text-red-600";
+  if (topSourcePct.value > 35) return "text-yellow-600";
+  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'
+}
+
+
+// Cash breach description
+const cashBreachDescription = computed(() => {
+  // Check cash store for first breach week from projections
+  const breachWeek = cashStore.weeklyProjections.find(
+    (week) => week.breachesCushion
+  );
+  if (breachWeek) {
+    return `Week ${breachWeek.number} would drop below your minimum cushion.`;
+  }
+  return "No cushion breach currently projected.";
+});
+
+const onExport = () => {
+  const data = exportAll();
+  const blob = new Blob([JSON.stringify(data, null, 2)], {
+    type: "application/json",
+  });
+  const url = URL.createObjectURL(blob);
+  const a = document.createElement("a");
+  a.href = url;
+  a.download = "urgent-tools.json";
+  a.click();
+  URL.revokeObjectURL(url);
+};
+
+const onImport = async () => {
+  const input = document.createElement("input");
+  input.type = "file";
+  input.accept = "application/json";
+  input.onchange = async () => {
+    const file = input.files?.[0];
+    if (!file) return;
+    const text = await file.text();
+    importAll(JSON.parse(text));
+  };
+  input.click();
+};
+
+const { exportAll, importAll } = useFixtureIO();
+
+
+// Deferred alert logic
+const deferredAlert = computed(() => {
+  const maxDeferredRatio = 1.5; // From CLAUDE.md - flag if >1.5× monthly payroll
+  const monthlyPayrollCost = getMonthlyBurn() * 0.7; // Estimate payroll as 70% of burn
+  const totalDeferred = membersStore.members.reduce(
+    (sum, m) => sum + (m.deferredHours || 0) * policiesStore.equalHourlyWage,
+    0
+  );
+  
+  const deferredRatio = monthlyPayrollCost > 0 ? totalDeferred / monthlyPayrollCost : 0;
+  const show = deferredRatio > maxDeferredRatio;
+  
+  const overDeferredMembers = membersStore.members.filter(m => {
+    const memberDeferred = (m.deferredHours || 0) * policiesStore.equalHourlyWage;
+    const memberMonthlyPay = m.monthlyPayPlanned || 0;
+    return memberDeferred > memberMonthlyPay * 2; // Member has >2 months of pay deferred
+  });
+  
+  return {
+    show,
+    description: show 
+      ? `${overDeferredMembers.length} member(s) over deferred cap. Total: ${(deferredRatio * 100).toFixed(0)}% of monthly payroll.`
+      : ''
+  };
+});
+
+// Alert navigation with context
+function handleAlertNavigation(path: string, section?: string) {
+  // Store alert context for target page to highlight relevant section
+  if (section) {
+    localStorage.setItem('urgent-tools-alert-context', JSON.stringify({ section, timestamp: Date.now() }));
+  }
+  navigateTo(path);
+};
+</script>
\ No newline at end of file
diff --git a/pages/project-budget.vue b/pages/tools/project-budget.vue
similarity index 99%
rename from pages/project-budget.vue
rename to pages/tools/project-budget.vue
index 2974acd..a742458 100644
--- a/pages/project-budget.vue
+++ b/pages/tools/project-budget.vue
@@ -21,7 +21,7 @@
         No team members set up yet.
       </p>
       <NuxtLink
-        to="/coop-builder"
+        to="/tools/coop-builder"
         class="px-4 py-2 border-2 border-black dark:border-white bg-white dark:bg-black text-black dark:text-white font-bold hover:bg-neutral-100 dark:hover:bg-neutral-900">
         Set up your team in Setup Wizard
       </NuxtLink>
diff --git a/pages/resources.vue b/pages/tools/resources.vue
similarity index 100%
rename from pages/resources.vue
rename to pages/tools/resources.vue
diff --git a/pages/templates/conflict-resolution-framework.vue b/pages/tools/templates/conflict-resolution-framework.vue
similarity index 78%
rename from pages/templates/conflict-resolution-framework.vue
rename to pages/tools/templates/conflict-resolution-framework.vue
index 919c27a..5794362 100644
--- a/pages/templates/conflict-resolution-framework.vue
+++ b/pages/tools/templates/conflict-resolution-framework.vue
@@ -76,6 +76,7 @@
                         v-model="value.checked"
                         :id="`core-value-${index}`"
                         :label="value.label"
+                        class="w-full"
                         @change="autoSave" />
                     </div>
                   </div>
@@ -124,6 +125,7 @@
                     v-model="conflict.checked"
                     :id="`conflict-type-${index}`"
                     :label="conflict.label"
+                    class="w-full"
                     @change="autoSave" />
                 </div>
               </div>
@@ -157,6 +159,7 @@
                   id="anonymous-reporting"
                   label="Allow anonymous reporting"
                   help="Members can report issues without revealing their identity"
+                  class="w-full"
                   @change="autoSave" />
               </UFormField>
             </div>
@@ -191,6 +194,7 @@
                         v-model="receiver.checked"
                         :id="`report-receiver-${index}`"
                         :label="receiver.label"
+                        class="w-full"
                         @change="autoSave" />
                     </div>
                   </div>
@@ -221,6 +225,7 @@
                   id="support-people"
                   label="Allow support people in mediation sessions"
                   help="Parties can bring a trusted person for emotional support"
+                  class="w-full"
                   @change="autoSave" />
               </UFormField>
             </div>
@@ -283,6 +288,7 @@
                         v-model="step.checked"
                         :id="`process-step-${index}`"
                         :label="`${index + 1}. ${step.label}`"
+                        class="w-full"
                         @change="autoSave" />
                     </div>
                   </div>
@@ -378,6 +384,7 @@
                         v-model="action.checked"
                         :id="`available-action-${index}`"
                         :label="action.label"
+                        class="w-full"
                         @change="autoSave" />
                     </div>
                   </div>
@@ -396,6 +403,7 @@
                   id="appeal-process"
                   label="Include appeals process"
                   help="Parties can request review of decisions"
+                  class="w-full"
                   @change="autoSave" />
               </UFormField>
             </div>
@@ -439,6 +447,7 @@
                       v-model="circumstance.checked"
                       :id="`special-circumstance-${index}`"
                       :label="circumstance.label"
+                      class="w-full"
                       @change="autoSave" />
                   </div>
                 </div>
@@ -598,6 +607,7 @@
                         v-model="channel.checked"
                         :id="`comm-channel-${index}`"
                         :label="channel.label"
+                        class="w-full"
                         @change="autoSave" />
                     </div>
                   </div>
@@ -611,6 +621,7 @@
                   id="require-direct-attempt"
                   label="Require direct resolution attempt before escalation"
                   help="Parties must try to resolve directly before filing complaints"
+                  class="w-full"
                   @change="autoSave" />
               </UFormField>
 
@@ -621,6 +632,7 @@
                   id="document-direct-resolution"
                   label="Require written record of direct resolution attempts"
                   help="Parties should document outcomes of direct conversations"
+                  class="w-full"
                   @change="autoSave" />
               </UFormField>
             </div>
@@ -699,6 +711,7 @@
                         v-model="element.checked"
                         :id="`complaint-element-${index}`"
                         :label="element.label"
+                        class="w-full"
                         @change="autoSave" />
                     </div>
                   </div>
@@ -737,6 +750,7 @@
                   id="require-external-advice"
                   label="Require external legal advice for complex complaints"
                   help="Seek external expertise for multi-party or member-coordinator complaints"
+                  class="w-full"
                   @change="autoSave" />
               </UFormField>
             </div>
@@ -753,6 +767,7 @@
                   id="minutes-of-settlement"
                   label="Require 'Minutes of Settlement' for resolved complaints"
                   help="Agreements must be documented in writing and signed by both parties"
+                  class="w-full"
                   @change="autoSave" />
               </UFormField>
 
@@ -806,6 +821,7 @@
                   id="include-human-rights"
                   label="Include Human Rights Commission information"
                   help="Reference external discrimination complaint options"
+                  class="w-full"
                   @change="autoSave" />
               </UFormField>
 
@@ -1041,7 +1057,7 @@ const coreValues = ref([
   { label: "Mutual Care", checked: true },
   { label: "Transparency", checked: true },
   { label: "Accountability", checked: false },
-  { label: "Consent-Based", checked: false },
+  { label: "Consent", checked: false },
   { label: "Anti-Oppression", checked: false },
   { label: "Restorative Justice", checked: false },
   { label: "Collective Liberation", checked: false },
@@ -1280,7 +1296,7 @@ watch(
   { deep: true }
 );
 
-// Generate the complete policy document for preview and export
+// Comprehensive generatePolicyDocument function with procedural structure
 const generatePolicyDocument = () => {
   const cooperativeName = formData.value.orgName || "[Cooperative Name]";
   let content = `# ${cooperativeName} Conflict Resolution Policy\n\n`;
@@ -1293,25 +1309,93 @@ const generatePolicyDocument = () => {
   }
   content += `\n---\n\n`;
 
-  // Core Values section (if enabled)
-  if (sectionsEnabled.value.values) {
-    content += `## Our Values\n\n`;
-    content += `This conflict resolution framework is guided by our core values:\n\n`;
+  // PURPOSE SECTION
+  content += `## Purpose\n\n`;
+  content += `Disagreements in groups are par for the course. But ignoring conflicts, or managing them poorly, can deeply harm individuals and our whole community.\n\n`;
+  content += `Addressing conflict head-on is **a way of caring for each other**.\n\n`;
+  content += `This policy aims to offer a straightforward, consistently enforced, and transparent approach to resolving conflicts and disputes that may emerge in relation to ${cooperativeName}'s programs, governance, or the actions of its members.\n\n`;
 
+  // GUIDING PRINCIPLES
+  content += `## Guiding Principles\n\n`;
+  content += `- All parties to a complaint will **actively participate** and strive to achieve a **collaborative** outcome at the earliest possible stage of the process\n`;
+  content += `- Information about a complaint will only be given to parties directly involved and others on a need-to-know basis\n`;
+  content += `- Parties will be provided with clear and understandable reasons for complaint decisions\n`;
+  content += `- Complaints will be dealt with promptly and resolved as quickly as possible\n`;
+  content += `- Review of complaints will be fair, impartial, and respectful, allowing all parties to have their perspectives heard\n`;
+  content += `- The review will be thorough and as detailed as possible based on the information provided\n`;
+  content += `- The process will be accessible and clearly communicated to all members\n\n`;
+
+  // Add selected values if enabled
+  if (sectionsEnabled.value.values) {
     const selectedValues = coreValues.value.filter((v) => v.checked);
     if (selectedValues.length > 0) {
+      content += `Additionally, this framework is guided by our core values:\n\n`;
       selectedValues.forEach((value) => {
         content += `- **${value.label}**\n`;
       });
       content += `\n`;
     }
-
     if (formData.value.customValues) {
       content += `${formData.value.customValues}\n\n`;
     }
   }
 
-  // Resolution Philosophy
+  // DEFINITIONS SECTION
+  content += `## Definitions\n\n`;
+  content += `- **Conflict/Dispute**: Ongoing experiences of tension and misunderstandings, often leading to interpersonal discord. These terms are used interchangeably.\n`;
+  content += `- **Complainant**: The individual lodging a complaint against another party, policy, or practice.\n`;
+  content += `- **Respondent**: An individual against whom a complaint has been made.\n`;
+
+  // Add definitions based on selections
+  const selectedReceivers = reportReceivers.value.filter((r) => r.checked);
+  if (selectedReceivers.length > 0) {
+    content += `- **Responsible Contact People**: Those accountable for assisting in conflict resolution (${selectedReceivers
+      .map((r) => r.label)
+      .join(
+        ", "
+      )}). They act as neutral implementers of this policy, not advocates.\n`;
+  }
+
+  if (formData.value.internalAdvisorType) {
+    content += `- **Internal Advisor**: ${formData.value.internalAdvisorType} who facilitates the conflict resolution process as a neutral intermediary.\n`;
+  }
+
+  if (formData.value.supportPeople) {
+    content += `- **Support People**: Individuals not connected to the conflict whom parties may choose to have present for emotional support during mediation.\n`;
+  }
+  content += `\n`;
+
+  // POLICY ROUTING TABLE
+  content += `## Which Policy Applies?\n\n`;
+  content += `| **Who Can File** | **Type of Complaint** | **Policy to Use** | **Initial Contact** |\n`;
+  content += `|------------------|----------------------|-------------------|--------------------|\n`;
+
+  const selectedConflictTypes = conflictTypes.value.filter((c) => c.checked);
+  selectedConflictTypes.forEach((conflict) => {
+    let policy = "This policy";
+    let contact = selectedReceivers[0]?.label || "Designated contact";
+
+    if (
+      conflict.label.includes("Harassment") ||
+      conflict.label.includes("discrimination")
+    ) {
+      policy = "Code of Conduct / Human Rights";
+      if (formData.value.includeHumanRights) {
+        contact += " or Human Rights Tribunal";
+      }
+    } else if (conflict.label.includes("Code of Conduct")) {
+      policy = "Code of Conduct";
+    }
+
+    content += `| Members | ${conflict.label} | ${policy} | ${contact} |\n`;
+  });
+
+  if (formData.value.anonymousReporting) {
+    content += `| Any party | Anonymous reports | This policy | Anonymous reporting system |\n`;
+  }
+  content += `\n`;
+
+  // RESOLUTION APPROACH
   const approachDescriptions = {
     restorative:
       "We use a **restorative/loving justice** approach that focuses on healing, understanding root causes, and repairing relationships rather than punishment.",
@@ -1332,9 +1416,9 @@ const generatePolicyDocument = () => {
     content += `We do our best to resolve conflicts at the lowest possible escalation step (direct resolution), but agree to escalate conflicts (to assisted resolution) if they are not resolved.\n\n`;
   }
 
-  // Reflection Process (if enabled)
+  // REFLECTION PROCESS (if enabled)
   if (sectionsEnabled.value.reflection) {
-    content += `## Reflection\n\n`;
+    content += `## Reflection Process\n\n`;
     content += `Before engaging in direct resolution, we encourage taking time for reflection:\n\n`;
     content += `1. **Set aside time to think** through what happened. What was the other person's behaviour? How did it affect you? *Distinguish other people's **actions** from your **feelings** about them.*\n`;
     content += `2. **Consider uncertainties** or misunderstandings that may have occurred.\n`;
@@ -1352,20 +1436,20 @@ const generatePolicyDocument = () => {
     content += `**Reflection Timing:** ${reflectionTiming}\n\n`;
   }
 
-  // Direct Resolution (if enabled)
+  // DIRECT RESOLUTION (if enabled)
   if (sectionsEnabled.value.directResolution) {
     content += `## Direct Resolution\n\n`;
-    content += `A *direct resolution* process occurs when individuals communicate their concerns and work together to resolve disputes without filing an informal or formal complaint.\n\n`;
+    content += `A *direct resolution* process occurs when individuals communicate their concerns and work together to resolve disputes without filing a formal complaint.\n\n`;
 
     content += `### Have a Conversation\n\n`;
     content += `When there is a disagreement, the involved people should first **communicate with each other** about their concerns.\n\n`;
 
     content += `1. **Choose a time and place** to meet that is private and agreeable to both.\n`;
     content += `2. **Allow reasonable time** for the conversation.\n`;
-    content += `3. **The point is mutual understanding**, not determining who is right or wrong. This requires patience and willingness to listen without immediately dismissing the other person's perspective.\n`;
-    content += `4. **Express thoughts and feelings directly** without belittling or dismissing. Use "I" statements and active listening techniques.\n`;
+    content += `3. **The point is mutual understanding**, not determining who is right or wrong.\n`;
+    content += `4. **Express thoughts and feelings directly** using "I" statements and active listening.\n`;
     content += `5. **Communicate your wants and needs** and make offers and requests.\n`;
-    content += `6. **Learn for the future.** Ask questions like, "If what I/you said or did came across that way, what can we do to prevent this from happening in the future?"\n`;
+    content += `6. **Learn for the future** – ask what can be done to prevent this from recurring.\n`;
 
     if (formData.value.documentDirectResolution) {
       content += `7. **Keep a written record** of the resolution agreed to by both parties.\n\n`;
@@ -1391,43 +1475,175 @@ const generatePolicyDocument = () => {
     }
   }
 
-  // Assisted Resolution
+  // RECEIVING REPORTS SECTION
+  content += `## Receiving Reports\n\n`;
+
+  content += `### Document the Initial Incident Report\n\n`;
+  content += `Collect the following information and enter it in the Incident Log:\n\n`;
+  content += `| Field | Information to Collect |\n`;
+  content += `|-------|------------------------|\n`;
+  content += `| **Participant Name** | Name of individual(s) involved |\n`;
+  content += `| **Issue/Violation** | Brief description of the behavior or conflict |\n`;
+  content += `| **Date & Time** | When the incident occurred |\n`;
+  content += `| **Circumstances** | Context or situation surrounding the incident |\n`;
+  content += `| **Others Involved** | Names of any witnesses or additional participants |\n`;
+  content += `| **Conversation Notes** | Summary of discussion with the complainant |\n\n`;
+  content += `*Gather this information from the complainant – do not "interview" witnesses unless they approach staff.*\n\n`;
+
+  // SUPPORTING THE COMPLAINANT
+  content += `### Supporting the Complainant\n\n`;
+  content += `Follow these steps to help the complainant feel safe:\n\n`;
+  content += `1. **Provide private space** for discussion (in digital spaces, use DM/private channels)\n`;
+  content += `2. **Allow the complainant to decide** if further action should be taken\n`;
+  content += `3. **Explain the process** – walk them through next steps per this policy\n`;
+  content += `4. **Assure confidentiality** – their identity will not be disclosed without permission\n`;
+  content += `5. **Confirm follow-up** – they will be informed about any actions taken\n\n`;
+
+  // ASSISTED RESOLUTION
   content += `## Assisted Resolution\n\n`;
-  content += `If talking things out doesn't work, you can ask a responsible contact person for help in writing.\n\n`;
+  content += `If direct resolution doesn't work, parties can request assistance from a responsible contact person.\n\n`;
+
+  // Process Steps
+  const selectedSteps = processSteps.value.filter((s) => s.checked);
+  if (selectedSteps.length > 0) {
+    content += `### Resolution Process Steps\n\n`;
+    selectedSteps.forEach((step, index) => {
+      content += `${index + 1}. ${step.label}\n`;
+    });
+    content += `\n`;
+  }
 
   // Responsible Contact People
-  const selectedReceivers = reportReceivers.value.filter((r) => r.checked);
+  content += `### Responsible Contact People\n\n`;
+
   if (selectedReceivers.length > 0) {
-    content += `### Initial Contact Options\n\n`;
-    content += `You can report conflicts to any of the following:\n\n`;
+    content += `**Initial Contact Options:**\n`;
     selectedReceivers.forEach((receiver) => {
       content += `- ${receiver.label}\n`;
     });
     content += `\n`;
   }
 
+  // Contact People Structure
+  if (formData.value.internalAdvisorType) {
+    content += `**Internal Advisor:** ${formData.value.internalAdvisorType}\n`;
+  }
+
+  if (formData.value.staffLiaison) {
+    content += `**Member Liaison:** ${formData.value.staffLiaison}\n`;
+  }
+
+  if (formData.value.boardChairRole) {
+    content += `**Board Chair Role:** ${formData.value.boardChairRole}\n`;
+  }
+
+  if (
+    formData.value.internalAdvisorType ||
+    formData.value.staffLiaison ||
+    formData.value.boardChairRole
+  ) {
+    content += `\n`;
+  }
+
   // Mediator Structure
   if (formData.value.mediatorType) {
-    content += `### Mediation/Facilitation\n\n`;
-    content += `**Structure:** ${formData.value.mediatorType}\n\n`;
+    content += `**Mediation Structure:** ${formData.value.mediatorType}\n`;
 
     if (formData.value.supportPeople) {
-      content += `**Support People:** Parties may bring a trusted person for emotional support during mediation sessions.\n\n`;
+      content += `**Support People:** Parties may bring a trusted person for emotional support during mediation sessions.\n`;
     }
+    content += `\n`;
   }
 
   // Timeline
-  content += `### Response Times\n\n`;
+  content += `### Response Timeline\n\n`;
+  content += `| Stage | Timeframe |\n`;
+  content += `|-------|----------|\n`;
   if (formData.value.initialResponse) {
-    content += `- **Initial Response:** ${formData.value.initialResponse}\n`;
+    content += `| Initial Response | ${formData.value.initialResponse} |\n`;
   }
   if (formData.value.resolutionTarget) {
-    content += `- **Target Resolution:** ${formData.value.resolutionTarget}\n\n`;
+    content += `| Target Resolution | ${formData.value.resolutionTarget} |\n`;
+  }
+  content += `\n`;
+
+  // COMMITTEE MEETING PROCEDURES (if committee-based)
+  if (
+    formData.value.mediatorType &&
+    formData.value.mediatorType.toLowerCase().includes("committee")
+  ) {
+    content += `## Committee Meeting Procedures\n\n`;
+
+    content += `### Before the Meeting\n`;
+    content += `- Notify respondent of complaint\n`;
+    content += `- Allow respondent to provide their perspective\n`;
+    content += `- Schedule meeting within ${
+      formData.value.initialResponse || "specified timeframe"
+    }\n\n`;
+
+    content += `### During the Meeting\n`;
+    content += `Committee members should review the incident report and discuss:\n`;
+    content += `- What happened?\n`;
+    content += `- What are we doing about it?\n`;
+    content += `- Who is implementing the decision?\n`;
+    content += `- When will it be implemented?\n\n`;
+    content += `*Neither the complainant nor respondent should attend the deliberation.*\n\n`;
+
+    content += `### After the Meeting\n`;
+    content += `- Communicate decision to all parties\n`;
+    content += `- Document all communications\n`;
+    content += `- Follow up with complainant about outcomes\n`;
+    content += `- Prepare report for organizational records\n\n`;
   }
 
-  // Formal Complaints
+  // RESPONSE PROCEDURES MATRIX
+  content += `## Response Procedures\n\n`;
+  const selectedActions = availableActions.value.filter((a) => a.checked);
+
+  if (selectedActions.length > 0) {
+    content += `### Response Matrix\n\n`;
+    content += `| Issue Severity | Possible Response | Documentation Required |\n`;
+    content += `|----------------|-------------------|------------------------|\n`;
+
+    // Create severity-based responses
+    const hasVerbal = selectedActions.some((a) => a.label.includes("Verbal"));
+    const hasWritten = selectedActions.some((a) => a.label.includes("Written"));
+    const hasSuspension = selectedActions.some((a) =>
+      a.label.includes("suspension")
+    );
+    const hasRemoval = selectedActions.some(
+      (a) => a.label.includes("Removal") || a.label.includes("removal")
+    );
+
+    if (hasVerbal) {
+      content += `| First occurrence, minor | Verbal warning | Update incident log |\n`;
+    }
+    if (hasWritten) {
+      content += `| Repeated behavior | Written warning | Formal documentation |\n`;
+    }
+    if (hasSuspension) {
+      content += `| Serious violation | Temporary suspension | Full investigation report |\n`;
+    }
+    if (hasRemoval) {
+      content += `| Severe/safety threat | Immediate removal | Complete documentation + notifications |\n`;
+    }
+    content += `\n`;
+
+    content += `### Available Remedial Actions\n\n`;
+    selectedActions.forEach((action) => {
+      content += `- ${action.label}\n`;
+    });
+    content += `\n`;
+  }
+
+  if (formData.value.appealProcess) {
+    content += `### Appeals Process\n\n`;
+    content += `Parties may request review of decisions through our appeals process. Appeals must be submitted in writing within 30 days of the original decision.\n\n`;
+  }
+
+  // FORMAL COMPLAINTS
   content += `## Formal Complaints\n\n`;
-  content += `If assisted resolution efforts do not result in an acceptable outcome within a reasonable timeframe, a *formal complaint* may be filed in writing.\n\n`;
+  content += `If assisted resolution does not result in an acceptable outcome, a formal complaint may be filed in writing.\n\n`;
 
   // Required Elements
   const selectedElements = formalComplaintElements.value.filter(
@@ -1444,58 +1660,137 @@ const generatePolicyDocument = () => {
 
   // Formal Process Timeline
   content += `### Formal Process Timeline\n\n`;
+  content += `| Stage | Timeframe |\n`;
+  content += `|-------|----------|\n`;
   if (formData.value.formalAcknowledgmentTime) {
-    content += `- **Acknowledgment:** ${formData.value.formalAcknowledgmentTime}\n`;
+    content += `| Acknowledgment of complaint | ${formData.value.formalAcknowledgmentTime} |\n`;
   }
   if (formData.value.formalReviewTime) {
-    content += `- **Review Completion:** ${formData.value.formalReviewTime}\n\n`;
+    content += `| Review completion | ${formData.value.formalReviewTime} |\n`;
   }
+  content += `\n`;
 
   if (formData.value.requireExternalAdvice) {
     content += `> **External Expertise:** For complex complaints involving multiple parties or organizational leaders, external legal advice will be sought.\n\n`;
   }
 
-  // Settlement Documentation
-  if (formData.value.requireMinutesOfSettlement) {
-    content += `### Reaching Agreement\n\n`;
-    content += `Any resolution agreed upon must be documented in "Minutes of Settlement" signed by both parties. These agreements will be kept confidential according to our privacy standards.\n\n`;
+  // PREVENTING RETALIATION (if anti-retaliation is selected)
+  const hasAntiRetaliation = specialCircumstances.value.some(
+    (c) => c.checked && c.label.toLowerCase().includes("retaliation")
+  );
+
+  if (hasAntiRetaliation) {
+    content += `## Preventing Retaliation\n\n`;
+    content += `**CRITICAL:** The privacy and safety of the complainant is paramount.\n\n`;
+    content += `- **DO NOT** share details of the incident without express permission from the complainant\n`;
+    content += `- **DO NOT** reveal the complainant's identity to the respondent or others\n`;
+    content += `- **MONITOR** for any retaliatory behavior following a complaint\n`;
+    content += `- **DOCUMENT** any instances of suspected retaliation\n`;
+    content += `- **TREAT** retaliation as a separate, serious violation requiring immediate action\n\n`;
   }
 
-  // Consequences and Actions
-  const selectedActions = availableActions.value.filter((a) => a.checked);
-  if (selectedActions.length > 0) {
-    content += `## Possible Outcomes\n\n`;
-    content += `Depending on the situation, resolution may include:\n\n`;
-    selectedActions.forEach((action) => {
-      content += `- ${action.label}\n`;
-    });
+  // SETTLEMENT & DOCUMENTATION
+  content += `## Settlement & Documentation\n\n`;
+
+  if (formData.value.requireMinutesOfSettlement) {
+    content += `### Minutes of Settlement\n`;
+    content += `Any resolution must be documented in "Minutes of Settlement" that:\n`;
+    content += `- Clearly state the agreed-upon resolution\n`;
+    content += `- Include commitments from all parties\n`;
+    content += `- Are signed by both complainant and respondent\n`;
+    content += `- Are kept according to our confidentiality standards\n\n`;
+  }
+
+  // REGARDING APOLOGIES
+  content += `### Regarding Apologies\n\n`;
+  content += `We do not require or facilitate apologies unless explicitly requested by the complainant.\n\n`;
+  content += `- Forced apologies can constitute continued harassment\n`;
+  content += `- If offered, apologies should be brief and relayed through the mediator\n`;
+  content += `- Apologies should not require a response from the recipient\n`;
+  content += `- Pressing unwanted apologies may result in further disciplinary action\n\n`;
+
+  // DOCUMENTATION & PRIVACY
+  if (sectionsEnabled.value.documentation) {
+    content += `## Documentation & Privacy\n\n`;
+
+    content += `### Record Management\n\n`;
+    content += `| Record Type | Retention Period | Access Level | Storage Location |\n`;
+    content += `|-------------|------------------|--------------|------------------|\n`;
+    content += `| Initial incident reports | Permanent | Committee only | Secure database |\n`;
+    content += `| Investigation notes | ${
+      formData.value.retention || "5 years"
+    } | Designated roles | Confidential files |\n`;
+    content += `| Resolution agreements | ${
+      formData.value.conflictFileRetention ||
+      formData.value.retention ||
+      "5 years"
+    } | Parties + committee | Secure archive |\n`;
+    content += `| Committee meeting minutes | ${
+      formData.value.retention || "5 years"
+    } | Committee members | Meeting records |\n\n`;
+
+    if (formData.value.docLevel) {
+      content += `**Documentation Level:** ${formData.value.docLevel}\n`;
+    }
+    if (formData.value.confidentiality) {
+      content += `**General Confidentiality:** ${formData.value.confidentiality}\n`;
+    }
+    if (formData.value.settlementConfidentiality) {
+      content += `**Settlement Confidentiality:** ${formData.value.settlementConfidentiality}\n`;
+    }
     content += `\n`;
   }
 
-  if (formData.value.appealProcess) {
-    content += `### Appeals Process\n\n`;
-    content += `Parties may request review of decisions through our appeals process.\n\n`;
-  }
+  // SPECIAL CIRCUMSTANCES (if enabled)
+  if (sectionsEnabled.value.special) {
+    const selectedCircumstances = specialCircumstances.value.filter(
+      (c) => c.checked
+    );
+    if (selectedCircumstances.length > 0) {
+      content += `## Special Circumstances\n\n`;
 
-  // Documentation and Privacy
-  if (sectionsEnabled.value.documentation) {
-    content += `## Documentation & Privacy\n\n`;
-    if (formData.value.docLevel) {
-      content += `**Documentation Level:** ${formData.value.docLevel}\n\n`;
-    }
-    if (formData.value.confidentiality) {
-      content += `**Confidentiality:** ${formData.value.confidentiality}\n\n`;
-    }
-    if (formData.value.retention) {
-      content += `**Record Retention:** ${formData.value.retention}\n\n`;
+      const hasImmediateRemoval = selectedCircumstances.some(
+        (c) =>
+          c.label.toLowerCase().includes("immediate removal") ||
+          c.label.toLowerCase().includes("safety")
+      );
+
+      if (hasImmediateRemoval) {
+        content += `### Immediate Safety Threats\n`;
+        content += `When anyone's physical safety is threatened:\n`;
+        content += `1. Immediately remove the offender from the space\n`;
+        content += `2. Implement permanent ban if warranted\n`;
+        content += `3. Notify relevant authorities if required\n`;
+        content += `4. Document all actions taken\n`;
+        content += `5. Inform stakeholders as appropriate while protecting victim privacy\n\n`;
+      }
+
+      const hasTraumaInformed = selectedCircumstances.some((c) =>
+        c.label.toLowerCase().includes("trauma")
+      );
+
+      if (hasTraumaInformed) {
+        content += `### Trauma-Informed Approach\n`;
+        content += `All conflict resolution processes will incorporate trauma-informed principles:\n`;
+        content += `- Recognize the impact of trauma on behavior\n`;
+        content += `- Prioritize physical and emotional safety\n`;
+        content += `- Provide choices and restore control\n`;
+        content += `- Collaborate rather than prescribe solutions\n`;
+        content += `- Build on strengths and resilience\n\n`;
+      }
     }
   }
 
-  // External Resources (if enabled)
+  // EXTERNAL RESOURCES (if enabled)
   if (sectionsEnabled.value.externalResources) {
-    content += `## External Resources\n\n`;
+    content += `## External Resources & Redress\n\n`;
+
     if (formData.value.includeHumanRights) {
-      content += `Individuals who are not satisfied with the outcome of a harassment or discrimination complaint may file a complaint with the [Canadian Human Rights Commission](https://www.chrc-ccdp.gc.ca/eng) or their provincial human rights tribunal.\n\n`;
+      content += `### Human Rights Complaints\n`;
+      content += `Individuals who are not satisfied with the outcome of a harassment or discrimination complaint may file a complaint with:\n`;
+      content += `- [Canadian Human Rights Commission](https://www.chrc-ccdp.gc.ca/eng)\n`;
+      content += `- Provincial human rights tribunal\n`;
+      content += `- Other relevant regulatory bodies\n\n`;
     }
 
     if (formData.value.additionalResources) {
@@ -1504,20 +1799,30 @@ const generatePolicyDocument = () => {
     }
   }
 
-  // Implementation
-  content += `## Policy Management\n\n`;
+  // IMPLEMENTATION & TRAINING
+  content += `## Implementation\n\n`;
+
   if (formData.value.training) {
     content += `### Training Requirements\n\n`;
     content += `${formData.value.training}\n\n`;
   }
 
-  content += `### Review and Updates\n\n`;
+  content += `### Policy Management\n\n`;
+  content += `| Aspect | Details |\n`;
+  content += `|--------|----------|\n`;
   if (formData.value.reviewSchedule) {
-    content += `This policy will be reviewed ${formData.value.reviewSchedule.toLowerCase()}.\n\n`;
+    content += `| Review Schedule | ${formData.value.reviewSchedule} |\n`;
   }
   if (formData.value.amendments) {
-    content += `**Amendment Process:** ${formData.value.amendments}\n\n`;
+    content += `| Amendment Process | ${formData.value.amendments} |\n`;
   }
+  content += `| Last Updated | ${
+    formData.value.createdDate || new Date().toISOString().split("T")[0]
+  } |\n`;
+  if (formData.value.reviewDate) {
+    content += `| Next Review | ${formData.value.reviewDate} |\n`;
+  }
+  content += `\n`;
 
   // Acknowledgments
   if (formData.value.acknowledgments) {
@@ -1558,6 +1863,8 @@ const exportData = computed(() => {
 
   return {
     section: "conflict-resolution-framework",
+    // Add the generated policy document content for exports
+    content: generatePolicyDocument(),
     // Enhanced formData with processed arrays
     formData: {
       ...formData.value,
diff --git a/pages/templates/decision-framework.vue b/pages/tools/templates/decision-framework.vue
similarity index 96%
rename from pages/templates/decision-framework.vue
rename to pages/tools/templates/decision-framework.vue
index fe1c08f..4a055dc 100644
--- a/pages/templates/decision-framework.vue
+++ b/pages/tools/templates/decision-framework.vue
@@ -440,7 +440,7 @@
                       :key="step"
                       class="flex items-start">
                       <span
-                        class="text-neutral-900 dark:text-neutral-100 font-bold mr-3 mt-1"
+                        class="text-neutral-900 dark:text-neutral-100 font-bold mr-3"
                         >→</span
                       >
                       <span class="text-neutral-700 dark:text-neutral-300">{{
@@ -453,7 +453,7 @@
                 <div v-if="result.tips" class="section-card">
                   <h3
                     class="text-xl font-semibold text-neutral-900 dark:text-neutral-100 mb-4">
-                    Pro tips:
+                    Hot tips:
                   </h3>
                   <ul class="space-y-3">
                     <li
@@ -461,7 +461,7 @@
                       :key="tip"
                       class="flex items-start">
                       <span
-                        class="text-neutral-900 dark:text-neutral-100 font-bold mr-3 mt-1"
+                        class="text-neutral-900 dark:text-neutral-100 font-bold mr-3"
                         >→</span
                       >
                       <span class="text-neutral-700 dark:text-neutral-300">{{
@@ -508,13 +508,6 @@
                     <UButton @click="resetForm" size="lg" color="primary">
                       Try Another Decision
                     </UButton>
-                    <UButton
-                      @click="printResult"
-                      size="lg"
-                      variant="outline"
-                      color="primary">
-                      Print Recommendation
-                    </UButton>
                   </div>
                 </div>
               </div>
@@ -522,6 +515,19 @@
           </div>
         </div>
       </div>
+
+      <!-- Credits Section -->
+      <div class="mt-12 py-8 border-t border-neutral-200 dark:border-neutral-700">
+        <div class="text-center text-sm text-neutral-600 dark:text-neutral-400">
+          <p class="mb-2 font-medium">With inspiration from:</p>
+          <div class="space-y-1">
+            <p>Rocket Adrift</p>
+            <p>Baby Ghosts Peer Accelerator curriculum</p>
+            <p><a href="https://thedecider.app/" target="_blank" rel="noopener noreferrer" class="hover:text-neutral-900 dark:hover:text-neutral-100 underline">The Decider App</a></p>
+            <p><a href="https://patterns.sociocracy30.org/index.html" target="_blank" rel="noopener noreferrer" class="hover:text-neutral-900 dark:hover:text-neutral-100 underline">Sociocracy 3.0</a></p>
+          </div>
+        </div>
+      </div>
     </div>
 
     <!-- Export Options at Bottom -->
@@ -571,7 +577,7 @@ const urgencyOptions = [
   {
     value: 5,
     title: "Crisis mode",
-    description: "This decision is needed yesterday",
+    description: "We should have decided yesterday!!",
   },
 ];
 
@@ -602,7 +608,7 @@ const expertiseOptions = [
   {
     value: "multiple",
     title: "Multiple experts",
-    description: "Several people have relevant expertise",
+    description: "Several people have expertise",
   },
   {
     value: "distributed",
@@ -620,7 +626,7 @@ const impactOptions = [
   {
     value: "narrow",
     title: "One person or small team",
-    description: "Affects specific individuals or department",
+    description: "Affects specific individuals or area",
   },
   {
     value: "wide",
@@ -633,7 +639,7 @@ const optionsOptions = [
   {
     value: "clear",
     title: "Clear choices",
-    description: "We know our options and their trade-offs",
+    description: "We know our options and their tradeoffs",
   },
   {
     value: "emerging",
@@ -768,7 +774,7 @@ function determineFramework() {
       method: "Strategic Delay",
       tagline: "Wait for clarity to emerge",
       reasoning:
-        "It's not urgent, options aren't clear, and people aren't strongly invested. Sometimes the best decision is to not decide yet.",
+        "It's not urgent, options aren't clear, and people aren't strongly invested. Sometimes the best decision is to hold off on deciding!",
       steps: [
         "Acknowledge the decision exists",
         "Set a future check-in date",
@@ -803,7 +809,7 @@ function determineFramework() {
         "This is a high-stakes, permanent decision affecting everyone who cares deeply. Take the time to get real alignment.",
       steps: [
         "Share context and constraints with everyone",
-        "Gather all perspectives (async or sync)",
+        "Gather all perspectives (async or live discussion)",
         "Identify shared values and concerns",
         "Iterate on proposals until everyone can support it",
         "Document the decision and everyone's commitment",
@@ -902,7 +908,7 @@ function determineFramework() {
     state.reversible === "high"
   ) {
     return {
-      method: "Controlled Randomness",
+      method: "Roll the Dice",
       tagline: "Let chance break the tie",
       reasoning:
         "Options are equally good, stakes are low, and people aren't strongly invested. Save time and energy.",
diff --git a/pages/templates/index.vue b/pages/tools/templates/index.vue
similarity index 100%
rename from pages/templates/index.vue
rename to pages/tools/templates/index.vue
diff --git a/pages/templates/membership-agreement.vue b/pages/tools/templates/membership-agreement.vue
similarity index 95%
rename from pages/templates/membership-agreement.vue
rename to pages/tools/templates/membership-agreement.vue
index 39a74d8..1360939 100644
--- a/pages/templates/membership-agreement.vue
+++ b/pages/tools/templates/membership-agreement.vue
@@ -207,7 +207,8 @@
                   </li>
                   <li>Values alignment conversation</li>
                   <li class="flex items-baseline gap-2 flex-wrap">
-                    Optional - Equal buy-in contribution of $<UInput
+                    Optional - Equal buy-in contribution of {{ currencySymbol
+                    }}<UInput
                       v-model="formData.buyInAmount"
                       type="number"
                       placeholder="1000"
@@ -307,7 +308,8 @@
                   </h3>
                   <p
                     class="content-paragraph mb-3 leading-relaxed text-left flex items-baseline gap-2 flex-wrap">
-                    Decisions under $<UInput
+                    Decisions under {{ currencySymbol
+                    }}<UInput
                       v-model="formData.dayToDayLimit"
                       type="number"
                       placeholder="100"
@@ -325,13 +327,15 @@
                   </h3>
                   <p
                     class="content-paragraph mb-3 leading-relaxed text-left flex items-baseline gap-2 flex-wrap">
-                    Decisions between $<UInput
+                    Decisions between {{ currencySymbol
+                    }}<UInput
                       v-model="formData.regularDecisionMin"
                       type="number"
                       placeholder="100"
                       class="inline-field number-field w-10"
                       @change="autoSave" />
-                    and $<UInput
+                    and {{ currencySymbol
+                    }}<UInput
                       v-model="formData.regularDecisionMax"
                       type="number"
                       placeholder="1000"
@@ -355,7 +359,8 @@
                   <li>Adding or removing members</li>
                   <li>Changing this agreement</li>
                   <li class="flex items-baseline gap-2 flex-wrap">
-                    Taking on debt over $<UInput
+                    Taking on debt over {{ currencySymbol
+                    }}<UInput
                       v-model="formData.majorDebtThreshold"
                       type="number"
                       placeholder="5000"
@@ -418,8 +423,8 @@
                 </h3>
                 <p class="content-paragraph mb-3 leading-relaxed text-left">
                   Each member owns an equal share of
-                  {{ getDisplayName().toLowerCase() }},
-                  regardless of hours worked or tenure.
+                  {{ getDisplayName().toLowerCase() }}, regardless of hours
+                  worked or tenure.
                 </p>
               </div>
 
@@ -450,7 +455,8 @@
                   </p>
                   <ul class="content-list my-2 pl-6 list-disc">
                     <li class="flex items-baseline gap-2 flex-wrap">
-                      Base rate: $<UInput
+                      Base rate: {{ currencySymbol
+                      }}<UInput
                         v-model="formData.baseRate"
                         type="number"
                         placeholder="25"
@@ -458,7 +464,8 @@
                         @change="autoSave" />/hour for all members
                     </li>
                     <li class="flex items-baseline gap-2 flex-wrap">
-                      Or: Equal monthly draw of $<UInput
+                      Or: Equal monthly draw of {{ currencySymbol
+                      }}<UInput
                         v-model="formData.monthlyDraw"
                         type="number"
                         placeholder="2000"
@@ -478,7 +485,8 @@
                   </p>
                   <ul class="content-list my-2 pl-6 list-disc">
                     <li class="flex items-baseline gap-2 flex-wrap">
-                      Hourly rate: $<UInput
+                      Hourly rate: {{ currencySymbol
+                      }}<UInput
                         v-model="formData.hourlyRate"
                         type="number"
                         placeholder="25"
@@ -506,7 +514,8 @@
                     </li>
                     <li>Regular needs assessment and adjustment process</li>
                     <li class="flex items-baseline gap-2 flex-wrap">
-                      Minimum guaranteed amount: $<UInput
+                      Minimum guaranteed amount: {{ currencySymbol
+                      }}<UInput
                         v-model="formData.minGuaranteedPay"
                         type="number"
                         placeholder="1000"
@@ -521,27 +530,24 @@
                   <p class="content-paragraph font-semibold">
                     Payment Schedule:
                   </p>
-                  <ul class="content-list my-2 pl-6 list-disc">
-                    <li class="flex items-baseline gap-2 flex-wrap">
-                      Paid on the
-                      <USelect
-                        v-model="formData.paymentDay"
-                        :items="dayOptions"
-                        placeholder="15th"
-                        class="inline-field"
-                        @change="autoSave" />
+                  <p class="">
+                    Paid on the
+                    <USelectMenu
+                      v-model="formData.paymentDay"
+                      :items="dayOptions"
+                      placeholder="15th"
+                      size="lg"
+                      class="w-48"
+                      @change="autoSave" />
 
-                      of each month
-                    </li>
-                    <li class="flex items-baseline gap-2 flex-wrap">
-                      Surplus (profit) distributed equally every
-                      <UInput
-                        v-model="formData.surplusFrequency"
-                        placeholder="quarter"
-                        class="inline-field"
-                        @change="autoSave" />
-                    </li>
-                  </ul>
+                    of each month and the surplus (profit) distributed equally
+                    every
+                    <UInput
+                      v-model="formData.surplusFrequency"
+                      placeholder="quarter"
+                      class="inline-field"
+                      @change="autoSave" />.
+                  </p>
                 </div>
               </div>
 
@@ -805,8 +811,8 @@
 
             <div v-else class="text-neutral-600 dark:text-neutral-400 italic">
               <p class="content-paragraph">
-                {{ getDisplayName() || "This cooperative" }} operates as
-                an informal collective. If we decide to register legally in the
+                {{ getDisplayName() || "This cooperative" }} operates as an
+                informal collective. If we decide to register legally in the
                 future, we'll update this section with our legal structure
                 details.
               </p>
@@ -826,10 +832,15 @@
 
 <script setup>
 import { ref, watch } from "vue";
+import { getCurrencySymbol } from "~/utils/currency";
 
 // Import centralized coop info
 const { coopInfo, updateCoopInfo, getDisplayName } = useCoopInfo();
 
+// Get currency symbol from global coop builder
+const coop = useCoopBuilder();
+const currencySymbol = computed(() => getCurrencySymbol(coop.currency.value));
+
 definePageMeta({
   layout: false,
 });
@@ -1092,10 +1103,13 @@ loadSavedData();
 watch(
   () => coopInfo.value,
   (newCoopInfo) => {
-    formData.value.cooperativeName = newCoopInfo.cooperativeName || formData.value.cooperativeName;
-    formData.value.dateEstablished = newCoopInfo.dateEstablished || formData.value.dateEstablished;
+    formData.value.cooperativeName =
+      newCoopInfo.cooperativeName || formData.value.cooperativeName;
+    formData.value.dateEstablished =
+      newCoopInfo.dateEstablished || formData.value.dateEstablished;
     formData.value.purpose = newCoopInfo.purpose || formData.value.purpose;
-    formData.value.coreValues = newCoopInfo.coreValues || formData.value.coreValues;
+    formData.value.coreValues =
+      newCoopInfo.coreValues || formData.value.coreValues;
   },
   { deep: true, immediate: true }
 );
@@ -1349,12 +1363,6 @@ const exportData = computed(() => ({
 
 /* Template-specific styles not in main.css */
 
-.template-content {
-  max-width: none;
-  line-height: 1.6;
-  color: #1f2937;
-}
-
 /* Fiscal year group styling */
 .fiscal-year-group {
   display: flex;
diff --git a/pages/templates/tech-charter.vue b/pages/tools/templates/tech-charter.vue
similarity index 96%
rename from pages/templates/tech-charter.vue
rename to pages/tools/templates/tech-charter.vue
index 4874840..ca97f15 100644
--- a/pages/templates/tech-charter.vue
+++ b/pages/tools/templates/tech-charter.vue
@@ -142,22 +142,14 @@
                       <div
                         v-if="principleWeights[principle.id] > 0"
                         class="mt-4 pt-4 border-t border-neutral-200 dark:border-neutral-800">
-                        <label
-                          :class="[
-                            'flex items-center gap-3 cursor-pointer item-label-bg px-2 py-1',
-                            nonNegotiables.includes(principle.id)
-                              ? 'selected'
-                              : '',
-                          ]">
-                          <input
-                            type="checkbox"
-                            :checked="nonNegotiables.includes(principle.id)"
-                            @change="toggleNonNegotiable(principle.id)"
-                            class="w-4 h-4" />
-                          <span class="text-sm font-medium text-white">
-                            Make this non-negotiable
-                          </span>
-                        </label>
+                        <UCheckbox
+                          :model-value="nonNegotiables.includes(principle.id)"
+                          @update:model-value="
+                            (checked) =>
+                              toggleNonNegotiableCheckbox(principle.id, checked)
+                          "
+                          label="Make this non-negotiable"
+                          class="item-label-bg px-2 py-1" />
                       </div>
 
                       <!-- Show rubric description when selected -->
@@ -165,7 +157,7 @@
                         v-if="principleWeights[principle.id] > 0"
                         class="mt-4 p-3 item-label-bg selected border border-neutral-200">
                         <div
-                          class="text-xs font-bold uppercase text-neutral-300 mb-1">
+                          class="text-xs font-bold uppercase text-neutral-800 dark:text-neutral-300 mb-1">
                           Evaluation Criteria:
                         </div>
                         <div class="text-sm">
@@ -213,7 +205,7 @@
                         :class="[
                           'relative px-5 py-2 border-2 transition-all focus:outline-none focus:ring-1 focus:ring-black cursor-pointer',
                           constraints.sso === option.value
-                            ? 'constraint-selected border-black dark:border-white cursor-pointer !bg-black dark:!text-black'
+                            ? 'constraint-selected border-black dark:border-white cursor-pointer !bg-black !text-white dark:!bg-white dark:!text-black'
                             : 'border-neutral-300 hover:border-neutral-400 bg-white dark:bg-neutral-950 cursor-pointer',
                         ]">
                         {{ option.label }}
@@ -855,6 +847,32 @@ const toggleIntegration = (integration) => {
   }
 };
 
+const toggleIntegrationCheckbox = (integration, checked) => {
+  if (checked) {
+    if (!constraints.value.integrations.includes(integration)) {
+      constraints.value.integrations.push(integration);
+    }
+  } else {
+    const idx = constraints.value.integrations.indexOf(integration);
+    if (idx !== -1) {
+      constraints.value.integrations.splice(idx, 1);
+    }
+  }
+};
+
+const toggleNonNegotiableCheckbox = (principleId, checked) => {
+  if (checked) {
+    if (!nonNegotiables.value.includes(principleId)) {
+      nonNegotiables.value.push(principleId);
+    }
+  } else {
+    const idx = nonNegotiables.value.indexOf(principleId);
+    if (idx !== -1) {
+      nonNegotiables.value.splice(idx, 1);
+    }
+  }
+};
+
 const resetForm = () => {
   if (confirm("Are you sure you want to clear all form data and start over?")) {
     charterPurpose.value =
diff --git a/pages/wizards.vue b/pages/tools/wizards.vue
similarity index 70%
rename from pages/wizards.vue
rename to pages/tools/wizards.vue
index 55cda9f..687a53b 100644
--- a/pages/wizards.vue
+++ b/pages/tools/wizards.vue
@@ -1,15 +1,15 @@
 <template>
   <div>
     <div
-      class="template-container min-h-screen bg-white dark:bg-neutral-950 text-neutral-900 dark:text-neutral-100 py-8"
-    >
+      class="template-container min-h-screen bg-white dark:bg-neutral-950 text-neutral-900 dark:text-neutral-100 py-8">
       <div class="max-w-6xl mx-auto px-4 relative">
         <div class="mb-8">
           <h1 class="text-3xl font-bold text-neutral-900 dark:text-white mb-2">
             Wizards
           </h1>
           <p class="text-neutral-700 dark:text-neutral-200">
-            Fillable forms for cooperative documents. Data saves locally in your browser.
+            Fillable forms for cooperative documents. Data saves locally in your
+            browser.
           </p>
         </div>
 
@@ -17,14 +17,14 @@
           <div
             v-for="template in templates"
             :key="template.id"
-            class="template-card h-full flex flex-col"
-          >
-            <div class="absolute top-2 left-2 w-full h-full dither-shadow"></div>
+            class="template-card h-full flex flex-col">
             <div
-              class="relative bg-white dark:bg-neutral-950 border border-black dark:border-white p-6 h-full flex flex-col"
-            >
+              class="absolute top-2 left-2 w-full h-full dither-shadow"></div>
+            <div
+              class="relative bg-white dark:bg-neutral-950 border border-black dark:border-white p-6 h-full flex flex-col">
               <div class="mb-4">
-                <h3 class="text-xl font-semibold text-neutral-900 dark:text-white">
+                <h3
+                  class="text-xl font-semibold text-neutral-900 dark:text-white">
                   {{ template.name }}
                 </h3>
               </div>
@@ -35,8 +35,7 @@
                 <span
                   v-for="tag in template.tags"
                   :key="tag"
-                  class="px-2 py-1 text-xs font-medium bg-white dark:bg-neutral-950 text-neutral-900 dark:text-neutral-900 border border-black dark:border-white dither-tag"
-                >
+                  class="px-2 py-1 text-xs font-medium bg-white dark:bg-neutral-950 text-neutral-900 dark:text-neutral-900 border border-black dark:border-white dither-tag">
                   {{ tag }}
                 </span>
               </div>
@@ -51,8 +50,7 @@
                 <NuxtLink
                   :to="template.path"
                   class="flex-1 px-4 py-2 bg-black dark:bg-white text-white dark:text-black text-center font-medium tracking-wider hover:underline"
-                  style="font-family: 'Ubuntu Mono', monospace"
-                >
+                  style="font-family: 'Ubuntu Mono', monospace">
                   START WIZARD
                 </NuxtLink>
                 <NuxtLink
@@ -60,8 +58,7 @@
                   :to="template.path"
                   class="px-4 py-2 bg-white dark:bg-neutral-950 text-black dark:text-white border border-black dark:border-white hover:bg-white dark:hover:bg-neutral-950 transition-colors bitmap-button"
                   title="Continue from saved data"
-                  style="font-family: 'Ubuntu Mono', monospace"
-                >
+                  style="font-family: 'Ubuntu Mono', monospace">
                   RESUME
                 </NuxtLink>
               </div>
@@ -81,7 +78,7 @@ const templates = [
     id: "membership-agreement",
     name: "Membership Agreement",
     description:
-      "A comprehensive agreement outlining member rights, responsibilities, decision-making processes, and financial arrangements for worker cooperatives.",
+      "An agreement outlining member rights, responsibilities, decision-making processes, and financial arrangements.",
     icon: "i-heroicons-user-group",
     path: "/templates/membership-agreement",
     tags: ["Legal", "Governance", "Membership"],
@@ -93,7 +90,7 @@ const templates = [
     id: "conflict-resolution-framework",
     name: "Conflict Resolution",
     description:
-      "A customizable framework for handling conflicts with restorative justice principles, clear processes, and organizational values alignment.",
+      "A framework for handling conflicts with restorative justice principles, clear processes, and organizational values alignment.",
     icon: "i-heroicons-scale",
     path: "/templates/conflict-resolution-framework",
     tags: ["Governance", "Process", "Care"],
@@ -105,7 +102,7 @@ const templates = [
     id: "tech-charter",
     name: "Technology Charter",
     description:
-      "Build technology decisions on cooperative values. Define principles, technical constraints, and evaluation criteria for vendor selection.",
+      "How do you decide what technology and tools align with your values? This wizard helps you define principles, technical constraints, and evaluation criteria for tech selection.",
     icon: "i-heroicons-cog-6-tooth",
     path: "/templates/tech-charter",
     tags: ["Technology", "Decision-Making", "Governance"],
@@ -117,7 +114,7 @@ const templates = [
     id: "decision-framework",
     name: "Decision Framework Helper",
     description:
-      "Interactive tool to help determine the best decision-making approach based on urgency, expertise, stakes, and team dynamics.",
+      "Need help deciding how to decide? This wizard guides you towards a decision-making approach based on urgency, expertise, stakes, and team dynamics.",
     icon: "i-heroicons-light-bulb",
     path: "/templates/decision-framework",
     tags: ["Decision-Making", "Process", "Governance"],
@@ -150,45 +147,6 @@ useHead({
 </script>
 
 <style scoped>
-@import url("https://fonts.googleapis.com/css2?family=Ubuntu:wght@300;400;500;700&family=Ubuntu+Mono:wght@400;700&display=swap");
-
-.dither-shadow {
-  background: black;
-  background-image: radial-gradient(white 1px, transparent 1px);
-  background-size: 2px 2px;
-}
-
-@media (prefers-color-scheme: dark) {
-  .dither-shadow {
-    background: white;
-    background-image: radial-gradient(black 1px, transparent 1px);
-  }
-}
-
-:global(.dark) .dither-shadow {
-  background: white;
-  background-image: radial-gradient(black 1px, transparent 1px);
-}
-
-.dither-shadow-disabled {
-  background: black;
-  background-image: radial-gradient(white 1px, transparent 1px);
-  background-size: 2px 2px;
-  opacity: 0.4;
-}
-
-@media (prefers-color-scheme: dark) {
-  .dither-shadow-disabled {
-    background: white;
-    background-image: radial-gradient(black 1px, transparent 1px);
-  }
-}
-
-:global(.dark) .dither-shadow-disabled {
-  background: white;
-  background-image: radial-gradient(black 1px, transparent 1px);
-}
-
 .template-card {
   @apply relative;
   font-family: "Ubuntu", monospace;