feat(sources): show every data source, and fix the navigation

Adds the data-source inventory the problem statement implies but the console
never showed: seventeen sources across core banking, UPI, mandi prices,
climate and manual upload, each badged Live, Simulated or Not connected from
sourceStatus.ts rather than from a static list. A jury — or a bank — can see
at a glance which feeds are real, and the ones that are simulated say so on
their own card instead of in a footnote.

Navigation moves to a fixed header with grouped dropdown submenus. The left
rail had grown past what a field officer could scan, and related screens were
scattered across it. MenuSelect replaces the native <select> in the identity
bar: a native control inherits the OS widget and looked foreign inside the
console, and putting overflow-x on the nav to fit it clipped the dropdowns and
added a scrollbar on Windows.

Co-Authored-By: Claude Opus 5 (1M context) <noreply@anthropic.com>

Dockerfile

@@ -4,8 +4,14 @@ WORKDIR /app
 COPY package*.json ./
 RUN npm ci
 COPY . .
-# VITE_UDYAM_API_BASE_URL is unset here, so the compiled-in default
+# Vite inlines this at build time, so it is a build arg and not a runtime env
-# (http://udyamlinc-backend.lincpay/api/v1/udyam) is baked into the bundle.
+# var — changing it later means rebuilding the bundle, not restarting nginx.
+#
+# Relative on purpose. A bundle carrying no hostname serves from any domain and
+# is same-origin with the API that nginx proxies at /api/, so the deployment
+# never has a CORS origin to keep in sync.
+ARG VITE_UDYAM_API_BASE_URL=/api/v1/udyam
+ENV VITE_UDYAM_API_BASE_URL=$VITE_UDYAM_API_BASE_URL
 RUN npm run build
 
 # ── serve stage: nginx serving the static SPA on 5173 ──

index.html

@@ -11,6 +11,13 @@
   </head>
   <body>
     <div id="root"></div>
+    <!--
+      Runtime config, loaded before the app and deliberately not a module: a
+      classic script blocks until it has run, so window.__UDYAM_CONFIG__ is set
+      before any module code reads it. Served unbundled from the static root so
+      the API base can be changed on the server without rebuilding.
+    -->
+    <script src="/config.js"></script>
     <script type="module" src="/src/main.tsx"></script>
   </body>
 </html>

nginx.conf

@@ -19,6 +19,37 @@ server {
         add_header Cache-Control "no-cache, no-store, must-revalidate";
     }
 
+    # Runtime config — never cached. It is how the API base is changed without a
+    # rebuild, and a cached copy would silently pin the old URL for every browser
+    # that has already loaded the app, with no way to tell from the server side.
+    location = /config.js {
+        add_header Cache-Control "no-cache, no-store, must-revalidate";
+    }
+
+    # The API, same-origin. The bundle is built with VITE_UDYAM_API_BASE_URL set
+    # to the relative /api/v1/udyam, so it carries no hostname at all and the
+    # same dist/ serves from any domain. That also puts the API on the UI's own
+    # origin, which means CORS never enters the picture — the single largest
+    # source of "works locally, fails deployed" in a split deployment.
+    #
+    # The backend's context-path is already /api/v1/udyam, so the prefix is
+    # passed through unchanged rather than rewritten.
+    location /api/ {
+        proxy_pass http://127.0.0.1:8082;
+        proxy_http_version 1.1;
+        proxy_set_header Host              $host;
+        proxy_set_header X-Real-IP         $remote_addr;
+        proxy_set_header X-Forwarded-For   $proxy_add_x_forwarded_for;
+        proxy_set_header X-Forwarded-Proto $scheme;
+
+        # Ingestion and the three-year backfill are long-running admin calls;
+        # the default 60s read timeout cuts them off mid-run and reports a
+        # gateway error over a job that is still working.
+        proxy_connect_timeout 30s;
+        proxy_send_timeout    300s;
+        proxy_read_timeout    300s;
+    }
+
     # SPA fallback — React Router owns the paths
     location / {
         try_files $uri $uri/ /index.html;

public/config.js

@@ -0,0 +1,30 @@
+/*
+ * Runtime configuration — edited on the server, not baked into the bundle.
+ *
+ * Vite inlines import.meta.env.VITE_* at build time, so a bundle built for one
+ * backend URL cannot be pointed at another without rebuilding. That is the wrong
+ * shape for a deployment where the backend goes up first and the UI follows, or
+ * where the same artifact is promoted from demo to staging. This file is served
+ * from the static root unbundled, so ops can change the API base and reload.
+ *
+ * Precedence, highest first:
+ *   1. apiBaseUrl below, if it is a non-empty string
+ *   2. VITE_UDYAM_API_BASE_URL, compiled in at build time
+ *   3. "/api/v1/udyam" — same-origin, which is what the nginx and httpd configs
+ *      in DEPLOYMENT.md set up
+ *
+ * Leave it empty for a same-origin deployment; that is the common case and needs
+ * no edit. Set it when the API lives on another host:
+ *
+ *   apiBaseUrl: "https://udyamlinc-api.lincpay.tech/api/v1/udyam"
+ *
+ * A cross-origin value also needs that origin in the backend's
+ * UDYAM_CORS_ALLOWED_ORIGINS, or the browser blocks every call while the API
+ * itself looks healthy.
+ *
+ * This file must never be cached — the server configs send no-store for it.
+ * Cached, it silently pins the old URL for anyone who has already loaded the app.
+ */
+window.__UDYAM_CONFIG__ = {
+  apiBaseUrl: '',
+}

public/sw.js

@@ -6,7 +6,7 @@
  * queued in localStorage by the app itself (see lib/ledgerStore.ts); this worker
  * only guarantees the shell and its assets are reachable.
  */
-const CACHE = 'udyamlinc-v1'
+const CACHE = 'udyamlinc-v2'
 const SHELL = ['/', '/app', '/index.html', '/manifest.webmanifest', '/udyamlinc-tile.svg']
 
 self.addEventListener('install', (event) => {

src/App.tsx

@@ -1,6 +1,7 @@
 import { QueryClient, QueryClientProvider } from '@tanstack/react-query'
 import { BrowserRouter, Navigate, Route, Routes, useLocation } from 'react-router-dom'
 import { LoginPage } from './pages/LoginPage'
+import { DemoPage } from './pages/DemoPage'
 import { enterpriseSession, officerSession, homeFor, isApexRole } from './lib/api'
 
 // Field officer console
@@ -11,7 +12,9 @@ import { RegionalOfficesPage } from './features/nabard/RegionalOfficesPage'
 import { BankScorecardPage } from './features/nabard/BankScorecardPage'
 import { DigestPage } from './features/nabard/DigestPage'
 import { InstitutionsPage } from './features/nabard/InstitutionsPage'
+import { SourceCoveragePage } from './features/nabard/SourceCoveragePage'
 import { OfficerDashboard } from './features/officer/OfficerDashboard'
+import { OfficerDashboardClassic } from './features/officer/OfficerDashboardClassic'
 import { EnterprisesPage } from './features/officer/EnterprisesPage'
 import { SectorPortfolioPage } from './features/officer/SectorPortfolioPage'
 import { EnterpriseDetailPage } from './features/officer/EnterpriseDetailPage'
@@ -19,6 +22,7 @@ import { AlertsPage } from './features/officer/AlertsPage'
 import { ForecastsPage } from './features/officer/ForecastsPage'
 import { VisitsPage } from './features/officer/VisitsPage'
 import { RulesPage } from './features/officer/RulesPage'
+import { DataSourcesPage } from './features/officer/DataSourcesPage'
 import { DataFeedsPage } from './features/officer/DataFeedsPage'
 import { DataEntryPage } from './features/officer/DataEntryPage'
 import { IntegrationPage } from './features/officer/IntegrationPage'
@@ -81,6 +85,16 @@ export default function App() {
       <BrowserRouter>
         <Routes>
           <Route path="/" element={<RootRedirect />} />
+          {/* Both surfaces on one screen, for the jury round. Officer session
+              required — the borrower half signs itself in per selection. */}
+          <Route
+            path="/demo"
+            element={
+              <RequireOfficer>
+                <DemoPage />
+              </RequireOfficer>
+            }
+          />
           <Route path="/login" element={<LoginPage />} />
 
           {/* Field officer console — portfolio, risk detail and recommended action */}
@@ -92,7 +106,9 @@ export default function App() {
               </RequireOfficer>
             }
           >
-            <Route index element={<OfficerDashboard />} />
+            <Route index element={<OfficerDashboardClassic />} />
+            {/* Two readings of one book: by score, and by when trouble arrives. */}
+            <Route path="early-warning" element={<OfficerDashboard />} />
             <Route path="portfolio" element={<SectorPortfolioPage />} />
             <Route path="enterprises" element={<EnterprisesPage />} />
             <Route path="enterprises/:enterpriseId" element={<EnterpriseDetailPage />} />
@@ -100,6 +116,7 @@ export default function App() {
             <Route path="forecasts" element={<ForecastsPage />} />
             <Route path="visits" element={<VisitsPage />} />
             <Route path="rules" element={<RulesPage />} />
+            <Route path="sources" element={<DataSourcesPage />} />
             <Route path="feeds" element={<DataFeedsPage />} />
             <Route path="data-entry" element={<DataEntryPage />} />
             <Route path="integration" element={<IntegrationPage />} />
@@ -121,6 +138,7 @@ export default function App() {
             <Route path="banks" element={<BankScorecardPage />} />
             <Route path="digest" element={<DigestPage />} />
             <Route path="institutions" element={<InstitutionsPage />} />
+            <Route path="sources" element={<SourceCoveragePage />} />
           </Route>
 
           {/* Enterprise PWA — offline, Hindi-first */}

src/components/charts/ModelComparisonBar.tsx

@@ -1,31 +1,71 @@
 import { Bar } from 'react-chartjs-2'
 import type { ChartOptions } from 'chart.js'
-import { BENCHMARKS } from '../../lib/demo/ops'
+import { ARM_LABEL } from '../../lib/api'
+import type { MetricArm } from '../../lib/api'
 import { CHART_COLOURS } from './chartSetup'
 import './chartSetup'
 
-/** Slide-10 benchmark: 90-day stress detection AUC-ROC against two baselines. */
+/**
-export function ModelComparisonBar({ height = 190 }: { height?: number }) {
+ * The four arms of the backtest, measured on identical folds.
+ *
+ * <p>This chart used to plot three hard-coded numbers against an invented
+ * "bureau-score baseline" that nothing had computed. It now plots what
+ * `model_metric` holds, and the baselines are the real ones: a single obligation
+ * ratio, and current DPD alone. That matters because AUC 0.76 in isolation is
+ * either a result or a restatement of "a borrower who is late today is late in
+ * three months" — only the comparison says which.
+ *
+ * <p>Baselines are drawn in a muted grey and the trained models in brand blue, so
+ * the reader can tell a fitted model from a single column at a glance without
+ * reading the legend. Bars are sorted by value rather than by kind, because
+ * hiding a baseline that beats the model would be the whole problem again.
+ */
+export function ModelComparisonBar({
+  arms,
+  metric = 'auc_roc',
+  height = 190,
+}: {
+  arms: Record<string, MetricArm>
+  metric?: 'auc_roc' | 'pr_auc'
+  height?: number
+}) {
+  const entries = Object.entries(arms)
+    .map(([key, arm]) => ({ key, arm, value: arm[metric] }))
+    .filter((e): e is { key: string; arm: MetricArm; value: number } => typeof e.value === 'number')
+    .sort((a, b) => b.value - a.value)
+
   const data = {
-    labels: ['UdyamLinc — full signal set', 'Repayment history only', 'Bureau-score baseline'],
+    labels: entries.map((e) => ARM_LABEL[e.key] ?? e.key),
     datasets: [
       {
-        label: 'AUC-ROC',
+        label: metric === 'auc_roc' ? 'AUC-ROC' : 'PR-AUC',
-        data: [BENCHMARKS.aucRoc, BENCHMARKS.aucRepaymentOnly, BENCHMARKS.aucBureau],
+        data: entries.map((e) => e.value),
-        backgroundColor: [CHART_COLOURS.forest, CHART_COLOURS.greenHi, '#94a3b8'],
+        backgroundColor: entries.map((e) => (e.arm.baseline ? '#9aa8b4' : CHART_COLOURS.forest)),
         borderRadius: 4,
-        barThickness: 22,
+        barThickness: 20,
       },
     ],
   }
 
+  // PR-AUC on a 4% positive rate lives near the bottom of the axis; forcing it to
+  // 0–1 would render four indistinguishable stubs. AUC keeps the full axis because
+  // 0.5 is a meaningful floor there and cropping it would flatter every arm.
+  const max = metric === 'auc_roc' ? 1 : Math.min(1, Math.max(...entries.map((e) => e.value)) * 1.4)
+
   const options: ChartOptions<'bar'> = {
     indexAxis: 'y',
     responsive: true,
     maintainAspectRatio: false,
-    plugins: { legend: { display: false } },
+    plugins: {
+      legend: { display: false },
+      tooltip: {
+        callbacks: {
+          afterLabel: (ctx) => (entries[ctx.dataIndex].arm.baseline ? 'single feature, not a model' : ''),
+        },
+      },
+    },
     scales: {
-      x: { min: 0, max: 1, grid: { color: CHART_COLOURS.grid }, ticks: { stepSize: 0.1 } },
+      x: { min: 0, max, grid: { color: CHART_COLOURS.grid }, ticks: { stepSize: metric === 'auc_roc' ? 0.1 : 0.05 } },
       y: { grid: { display: false }, ticks: { font: { size: 10.5 } } },
     },
   }

src/components/charts/SubScoreRadar.tsx

@@ -6,7 +6,7 @@ import './chartSetup'
 
 /** The five risk families as a radar — shows the *shape* of the stress, not just its size. */
 export function SubScoreRadar({ sub, band, height = 230 }: { sub: SubScores; band: Band; height?: number }) {
-  const colour = band === 'RED' ? '#c0392b' : band === 'WATCH' ? '#e8a020' : '#1e7a46'
+  const colour = band === 'RED' ? '#c0392b' : band === 'WATCH' ? '#e08019' : '#28ae64'
 
   const data = {
     labels: DRIVER_META.map((d) => d.label),

src/components/charts/chartSetup.ts

@@ -27,15 +27,15 @@ ChartJS.register(
   Legend,
 )
 
-ChartJS.defaults.font.family = '"Segoe UI", Roboto, -apple-system, Arial, sans-serif'
+ChartJS.defaults.font.family = 'system-ui, -apple-system, "Segoe UI", Roboto, sans-serif'
 ChartJS.defaults.font.size = 11
-ChartJS.defaults.color = '#64748b'
+ChartJS.defaults.color = '#87939c'
 
 export const CHART_COLOURS = {
-  forest: '#0b5d3b',
+  forest: '#2a71b8',   // s1 — the design's primary series
-  green: '#1e7a46',
+  green: '#28ae64',    // s3
-  greenHi: '#3fb871',
+  greenHi: '#4cc582',
-  amber: '#e8a020',
+  amber: '#e08019',    // s2
   red: '#c0392b',
-  grid: '#e8eeea',
+  grid: '#edf0f3',
 }

src/components/ui/MenuSelect.tsx

@@ -0,0 +1,124 @@
+import { useEffect, useRef, useState } from 'react'
+import { Check, ChevronDown } from 'lucide-react'
+
+/**
+ * A select that is a menu, not a native `<select>`.
+ *
+ * <p>The scope controls in the console header were the last two OS-rendered
+ * dropdowns in the chrome: a native `<select>` takes its type, its row height and
+ * its open panel from the operating system, so it sits beside styled menus
+ * looking like a different application. This renders the same panel the header
+ * navigation uses, so "choose a block" and "choose a screen" look like the same
+ * gesture — which they are.
+ *
+ * <p>Behaviour follows the header menus deliberately: opens on click rather than
+ * hover, closes on outside click, Escape and selection, and keeps focus on the
+ * trigger so the keyboard path is unchanged. A native select is still the right
+ * answer on the phone-sized PWA, and this is not used there.
+ */
+export function MenuSelect<T extends string>({
+  value,
+  options,
+  onChange,
+  label,
+  align = 'right',
+  minWidth = 132,
+}: {
+  value: T
+  options: { value: T; label: string; hint?: string }[]
+  onChange: (value: T) => void
+  /** Accessible name — the control shows the current value, not this. */
+  label: string
+  align?: 'left' | 'right'
+  minWidth?: number
+}) {
+  const [open, setOpen] = useState(false)
+  const root = useRef<HTMLDivElement>(null)
+  const current = options.find((o) => o.value === value)
+
+  useEffect(() => {
+    if (!open) return
+    const onDown = (e: MouseEvent) => {
+      if (!root.current?.contains(e.target as Node)) setOpen(false)
+    }
+    const onKey = (e: KeyboardEvent) => {
+      if (e.key === 'Escape') setOpen(false)
+    }
+    document.addEventListener('mousedown', onDown)
+    document.addEventListener('keydown', onKey)
+    return () => {
+      document.removeEventListener('mousedown', onDown)
+      document.removeEventListener('keydown', onKey)
+    }
+  }, [open])
+
+  return (
+    <div className="relative" ref={root}>
+      <button
+        type="button"
+        onClick={() => setOpen((o) => !o)}
+        aria-haspopup="listbox"
+        aria-expanded={open}
+        aria-label={label}
+        style={{ minWidth }}
+        className={`flex items-center gap-1.5 w-full border rounded-[8px] px-2.5 py-[5px] text-[11.5px] font-medium bg-white transition-colors ${
+          open ? 'border-lp-blue text-ink' : 'border-line-s text-ink-2 hover:border-lp-blue hover:text-ink'
+        }`}
+      >
+        <span className="truncate">{current?.label ?? value}</span>
+        <ChevronDown
+          size={13}
+          className={`ml-auto shrink-0 text-ink-3 transition-transform ${open ? 'rotate-180' : ''}`}
+        />
+      </button>
+
+      {open && (
+        <div
+          role="listbox"
+          aria-label={label}
+          className={`ul-menu absolute top-[calc(100%+6px)] z-50 py-1 max-h-[280px] overflow-y-auto ${
+            align === 'right' ? 'right-0' : 'left-0'
+          }`}
+          style={{ minWidth: Math.max(minWidth, 170) }}
+        >
+          <div className="px-3 pt-1 pb-1.5 text-[9.5px] uppercase tracking-[0.09em] text-ink-3 font-bold">
+            {label}
+          </div>
+          {options.map((o) => {
+            const selected = o.value === value
+            return (
+              <button
+                key={o.value}
+                type="button"
+                role="option"
+                aria-selected={selected}
+                onClick={() => {
+                  onChange(o.value)
+                  setOpen(false)
+                }}
+                className={`flex items-center gap-2 w-full text-left px-3 py-[7px] border-l-2 transition-colors ${
+                  selected ? 'bg-lp-blue-soft border-lp-blue' : 'border-transparent hover:bg-surface-3'
+                }`}
+              >
+                <Check
+                  size={13}
+                  className={`shrink-0 ${selected ? 'text-lp-blue' : 'text-transparent'}`}
+                />
+                <span className="min-w-0">
+                  <span
+                    className={`block text-[12.5px] truncate ${
+                      selected ? 'text-lp-blue font-semibold' : 'text-ink font-medium'
+                    }`}
+                  >
+                    {o.label}
+                  </span>
+                  {o.hint && <span className="block text-[10.5px] text-ink-3 leading-snug">{o.hint}</span>}
+                </span>
+              </button>
+            )
+          })}
+        </div>
+      )}
+    </div>
+  )
+}

src/components/ui/SourceCard.tsx

@@ -0,0 +1,164 @@
+import { Link } from 'react-router-dom'
+import { CircleDashed, Database, Download, Gauge, Layers, Siren } from 'lucide-react'
+import { Card } from './bits'
+import { STATUS_HELP, STATUS_LABEL, STATUS_PILL, STATUS_TILE } from '../../lib/sourceStatus'
+import type { SourceGroupSpec, SourceSpec, SourceStatus } from '../../lib/sourceStatus'
+
+/**
+ * One visual language for every way data enters the platform.
+ *
+ * <p>Lives here rather than beside either page because both consoles render the
+ * same inventory and must render it identically. A bank officer and a NABARD
+ * supervisor looking at the same source have to see the same card — if the two
+ * drifted, the apex tier would eventually be told a source was live that the
+ * bank tier knew was not.
+ */
+
+/* ------------------------------------------------------------------ */
+
+export function SourceCard({ s }: { s: SourceSpec }) {
+  const dim = s.status === 'NOT_CONNECTED'
+  // Fall back to a dashed ring rather than an arbitrary glyph: a source with no
+  // icon assigned should look unfinished, not look like something it is not.
+  const Icon = s.icon ?? CircleDashed
+  return (
+    <div
+      className={`ul-card p-3.5 flex flex-col gap-2.5 h-full ${dim ? 'bg-slate-50/60 border-dashed' : ''}`}
+    >
+      {/* identity — tile tinted by status, so a grid reads before it is read */}
+      <div className="flex items-start gap-2.5">
+        <span
+          className={`w-8 h-8 rounded-[9px] grid place-items-center shrink-0 ${STATUS_TILE[s.status]}`}
+        >
+          <Icon size={16} strokeWidth={2} />
+        </span>
+        <div className="min-w-0">
+          <div className={`text-[12.5px] font-bold leading-tight ${dim ? 'text-slate-500' : 'text-forest'}`}>
+            {s.name}
+          </div>
+          <div className="text-[10px] text-slate-400 uppercase tracking-wide mt-0.5">{s.kind}</div>
+        </div>
+        <span className={`pill ${STATUS_PILL[s.status]} ml-auto shrink-0`} title={STATUS_HELP[s.status]}>
+          {STATUS_LABEL[s.status]}
+        </span>
+      </div>
+
+      {/* the four facts, in the same order on every card */}
+      <dl className="grid grid-cols-[64px_1fr] gap-x-2 gap-y-1 text-[10.5px]">
+        <dt className="text-slate-400">Arrives</dt>
+        <dd className="font-mono text-[10px] text-slate-600 break-all leading-snug">{s.mechanism}</dd>
+
+        <dt className="text-slate-400">Auth</dt>
+        <dd className="text-slate-600">{s.auth}</dd>
+
+        <dt className="text-slate-400">Writes</dt>
+        <dd className="font-mono text-[10px] text-slate-600">{s.writes}</dd>
+
+        <dt className="text-slate-400">Cadence</dt>
+        <dd className="text-slate-600">{s.cadence}</dd>
+      </dl>
+
+      {/* what it feeds — the reason the source is on the book at all */}
+      {s.feeds.length > 0 && (
+        <div className="flex flex-wrap gap-1">
+          {s.feeds.map((f) => (
+            <span key={f} className="font-mono text-[9px] bg-green-soft text-forest px-1.5 py-0.5 rounded-md">
+              {f}
+            </span>
+          ))}
+        </div>
+      )}
+
+      {s.note && <p className="text-[10.5px] text-slate-500 leading-snug">{s.note}</p>}
+
+      {/* last activity pinned to the bottom so cards align across a row */}
+      <div className="mt-auto pt-2 border-t border-slate-100 flex items-center gap-2">
+        <span className="text-[10.5px] text-slate-500 leading-snug">{s.activity}</span>
+        {s.link && (
+          <Link
+            to={s.link.to}
+            className="ml-auto shrink-0 text-[10.5px] font-semibold text-green hover:text-forest"
+          >
+            {s.link.label} →
+          </Link>
+        )}
+      </div>
+    </div>
+  )
+}
+
+/** A titled band of cards. Groups follow the problem statement's data families. */
+export function SourceGroup({ icon: Icon, letter, title, blurb, sources }: SourceGroupSpec) {
+  const live = sources.filter((s) => s.status === 'LIVE').length
+  return (
+    <Card
+      title={`${letter} · ${title}`}
+      badge={`${live}/${sources.length} live`}
+      actions={
+        <span className="flex items-center gap-1.5 text-[10.5px] text-slate-400">
+          {Icon && <Icon size={13} className="text-slate-300" />}
+          {blurb}
+        </span>
+      }
+    >
+      <div className="p-3.5 grid gap-3 sm:grid-cols-2 xl:grid-cols-3">
+        {sources.map((s) => (
+          <SourceCard key={s.id} s={s} />
+        ))}
+      </div>
+    </Card>
+  )
+}
+
+/** The three words the inventory is written in, defined once where both pages show it. */
+export function StatusLegend() {
+  return (
+    <div className="ul-card px-3.5 py-2.5 flex flex-wrap items-center gap-x-5 gap-y-1.5">
+      <span className="text-[10.5px] font-semibold text-slate-500">Status means</span>
+      {(['LIVE', 'SIMULATED', 'NOT_CONNECTED'] as SourceStatus[]).map((s) => (
+        <span key={s} className="flex items-center gap-1.5">
+          <span className={`pill ${STATUS_PILL[s]}`}>{STATUS_LABEL[s]}</span>
+          <span className="text-[10.5px] text-slate-500">{STATUS_HELP[s]}</span>
+        </span>
+      ))}
+    </div>
+  )
+}
+
+/** Where the sources land, in one strip. Step 1 is the subject of both pages. */
+export function PipelineStrip() {
+  const steps = [
+    { n: '1', label: 'Sources', sub: 'API · CBS · UPI · upload · ledger', icon: Database },
+    { n: '2', label: 'Ingestion', sub: 'validated, deduped, stamped', icon: Download },
+    { n: '3', label: 'Feature store', sub: '15 features, point-in-time', icon: Layers },
+    { n: '4', label: 'Score & forecast', sub: 'stress score · P10/P50/P90', icon: Gauge },
+    { n: '5', label: 'Alerts', sub: 'trip-wires · officer playbook', icon: Siren },
+  ]
+  return (
+    <div className="ul-card p-3 flex flex-wrap items-stretch gap-2">
+      {steps.map((s, i) => (
+        <div key={s.n} className="flex items-stretch gap-2 flex-1 min-w-[150px]">
+          <div className={`flex-1 rounded-md px-2.5 py-2 ${i === 0 ? 'bg-green-soft' : 'bg-slate-50'}`}>
+            <div className="flex items-center gap-1.5">
+              <span
+                className={`w-5 h-5 rounded-[5px] grid place-items-center shrink-0 ${
+                  i === 0 ? 'bg-forest text-white' : 'bg-slate-300 text-white'
+                }`}
+              >
+                <s.icon size={12} strokeWidth={2.2} />
+              </span>
+              <span className={`text-[11.5px] font-bold ${i === 0 ? 'text-forest' : 'text-slate-600'}`}>
+                {s.label}
+              </span>
+              <span className="ml-auto font-mono text-[9px] text-slate-400">{s.n}</span>
+            </div>
+            <div className="text-[9.5px] text-slate-500 mt-0.5 leading-snug">{s.sub}</div>
+          </div>
+          {i < steps.length - 1 && (
+            <span className="self-center text-slate-300 text-[13px] leading-none">→</span>
+          )}
+        </div>
+      ))}
+    </div>
+  )
+}

src/components/ui/bits.tsx

@@ -8,7 +8,10 @@ import { BANDS } from '../../lib/demo/enterprises'
 /* the bottom (RiskBadge / ScoreDial / Sparkline / DriverBar) are new.  */
 /* ------------------------------------------------------------------ */
 
-export function StatusPill({ status }: { status: string }) {
+export function StatusPill({ status }: { status: string | null | undefined }) {
+  // Defensive because this renders wire data on six screens. A row that arrives
+  // without a status should show as unknown; it should not take the page down.
+  if (!status) return <span className="pill pill-mut">—</span>
   const s = status.toUpperCase()
   const cls =
     s.includes('DONE') || s.includes('CLOSED') || s.includes('SYNCED') || s.includes('ACTIVE')
@@ -37,11 +40,11 @@ export function Card({
   className?: string
 }) {
   return (
-    <div className={`bg-white border border-slate-200 rounded-[11px] shadow-[0_1px_3px_rgba(0,0,0,0.05)] overflow-hidden ${className}`}>
+    <div className={`ul-card overflow-hidden ${className}`}>
       {title && (
-        <div className="px-3.5 py-2.5 border-b border-slate-200 flex items-center gap-2">
+        <div className="px-4 py-3 border-b border-line flex items-center gap-2.5">
-          <h3 className="text-[12.5px] font-bold text-forest">{title}</h3>
+          <h3 className="text-[13.5px] font-semibold text-ink tracking-[-0.012em]">{title}</h3>
-          {badge && <span className="font-mono text-[9.5px] bg-green-soft text-forest px-1.5 py-0.5 rounded-lg">{badge}</span>}
+          {badge && <span className="font-mono text-[9.5px] bg-lp-blue-soft text-lp-blue px-1.5 py-0.5 rounded-md">{badge}</span>}
           {actions && <div className="ml-auto flex items-center gap-2">{actions}</div>}
         </div>
       )}
@@ -83,7 +86,7 @@ export function Modal({
 
 export function SubNav({ items }: { items: { label: string; to: string; end?: boolean }[] }) {
   return (
-    <div className="flex gap-1 border-b border-slate-200 mb-4 overflow-x-auto">
+    <div className="flex gap-1 border-b border-line mb-4 overflow-x-auto">
       {items.map((i) => (
         <NavLink
           key={i.to}
@@ -92,7 +95,7 @@ export function SubNav({ items }: { items: { label: string; to: string; end?: bo
           className={({ isActive }) =>
             [
               'px-3.5 py-2 text-[11.5px] font-semibold whitespace-nowrap border-b-2 -mb-px',
-              isActive ? 'text-forest border-amber' : 'text-slate-500 border-transparent hover:text-forest',
+              isActive ? 'text-lp-blue border-lp-blue' : 'text-ink-3 border-transparent hover:text-ink',
             ].join(' ')
           }
         >
@@ -124,7 +127,7 @@ export function Field({
 }
 
 export const inputCls =
-  'w-full border border-slate-300 rounded-md px-2.5 py-1.5 text-[12.5px] outline-none focus:border-green focus:ring-2 focus:ring-green/15 bg-white'
+  'w-full border border-line-s rounded-[8px] px-2.5 py-1.5 text-[12.5px] outline-none focus:border-lp-blue focus:ring-2 focus:ring-lp-blue/15 bg-white'
 
 export function PrimaryBtn({
   children,
@@ -134,7 +137,7 @@ export function PrimaryBtn({
   return (
     <button
       {...rest}
-      className={`bg-forest hover:bg-forest-mid disabled:opacity-50 disabled:cursor-not-allowed text-white text-[12px] font-semibold px-3.5 py-1.5 rounded-md transition-colors ${className}`}
+      className={`bg-lp-blue hover:bg-lp-blue-d disabled:opacity-50 disabled:cursor-not-allowed text-white text-[12.5px] font-semibold px-3.5 py-[7px] rounded-[8px] transition-colors ${className}`}
     >
       {children}
     </button>
@@ -149,7 +152,7 @@ export function GhostBtn({
   return (
     <button
       {...rest}
-      className={`border border-slate-300 hover:bg-slate-50 disabled:opacity-50 text-slate-700 text-[12px] font-semibold px-3.5 py-1.5 rounded-md transition-colors ${className}`}
+      className={`border border-line-s hover:bg-surface-3 disabled:opacity-50 text-ink-2 text-[12.5px] font-semibold px-3.5 py-[7px] rounded-[8px] transition-colors ${className}`}
     >
       {children}
     </button>
@@ -166,7 +169,7 @@ export function ActionChip({
       {...rest}
       className={[
         'text-[11px] font-semibold px-2.5 py-1 rounded-full border transition-colors',
-        active ? 'bg-forest text-white border-forest' : 'bg-white text-slate-600 border-slate-300 hover:border-green',
+        active ? 'bg-lp-blue text-white border-lp-blue' : 'bg-white text-ink-2 border-line-s hover:border-lp-blue',
       ].join(' ')}
     >
       {children}
@@ -176,7 +179,7 @@ export function ActionChip({
 
 /** Empty/loading state used wherever a list can come back with nothing. */
 export function Empty({ text }: { text: string }) {
-  return <div className="py-10 text-center text-[12px] text-slate-400">{text}</div>
+  return <div className="py-10 text-center text-[12px] text-ink-3">{text}</div>
 }
 
 // ── UdyamLinc risk primitives ───────────────────────────────────
@@ -194,7 +197,7 @@ export function ScoreDial({ score, band, size = 96 }: { score: number; band: Ban
   const stroke = size * 0.11
   const r = (size - stroke) / 2
   const circ = 2 * Math.PI * r
-  const colour = band === 'RED' ? '#c0392b' : band === 'WATCH' ? '#e8a020' : '#1e7a46'
+  const colour = band === 'RED' ? '#c0392b' : band === 'WATCH' ? '#e08019' : '#28ae64'
   return (
     <div className="relative grid place-items-center" style={{ width: size, height: size }}>
       <svg width={size} height={size} className="-rotate-90" role="img" aria-label={`Stress score ${score} of 100`}>
@@ -238,7 +241,7 @@ export function Sparkline({
   const min = Math.min(...values)
   const max = Math.max(...values)
   const span = Math.max(1, max - min)
-  const colour = band === 'RED' ? '#c0392b' : band === 'WATCH' ? '#e8a020' : '#1e7a46'
+  const colour = band === 'RED' ? '#c0392b' : band === 'WATCH' ? '#e08019' : '#28ae64'
   const pts = values
     .map((v, i) => {
       const x = (i / (values.length - 1)) * (width - 4) + 2
@@ -285,16 +288,16 @@ export function KpiTile({
   tone?: 'neutral' | 'red' | 'watch' | 'good'
 }) {
   const dot =
-    tone === 'red' ? 'bg-risk-red' : tone === 'watch' ? 'bg-amber' : tone === 'good' ? 'bg-green' : 'bg-forest'
+    tone === 'red' ? 'bg-risk-red' : tone === 'watch' ? 'bg-amber' : tone === 'good' ? 'bg-green' : 'bg-lp-blue'
-  const deltaCls = tone === 'red' ? 'text-risk-red' : tone === 'watch' ? 'text-amber' : 'text-slate-400'
+  const deltaCls = tone === 'red' ? 'text-risk-red' : tone === 'watch' ? 'text-amber' : 'text-ink-3'
   return (
     <div className="ul-card px-3.5 py-3 flex-1 min-w-[150px]">
       <div className="flex items-start justify-between">
-        <span className="text-[10.5px] text-slate-500">{label}</span>
+        <span className="text-[10px] uppercase tracking-[0.07em] text-ink-3 font-bold">{label}</span>
         <span className={`w-2.5 h-2.5 rounded-[3px] ${dot}`} />
       </div>
-      <div className="text-[26px] font-bold text-forest leading-tight mt-1">{value}</div>
+      <div className="text-[28px] font-bold text-ink leading-none mt-1.5 tracking-[-0.03em] num">{value}</div>
-      {delta && <div className={`text-[10.5px] ${deltaCls}`}>{delta}</div>}
+      {delta && <div className={`text-[11.5px] mt-1.5 ${deltaCls}`}>{delta}</div>}
     </div>
   )
 }
@@ -303,8 +306,76 @@ export function KpiTile({
 export function UdyamMark({ size = 26, onDark = false }: { size?: number; onDark?: boolean }) {
   return (
     <svg width={size} height={size} viewBox="0 0 64 64" aria-label="UdyamLinc" role="img">
-      <path d="M32 3 58 17.5v29L32 61 6 46.5v-29z" fill={onDark ? '#3fb871' : '#0b5d3b'} />
+      <path d="M32 3 58 17.5v29L32 61 6 46.5v-29z" fill={onDark ? '#4cc582' : '#0b4a37'} />
       <path d="M34.5 15 20 36h10l-2.5 13L44 27H33.5z" fill={onDark ? '#f2b544' : '#e8a020'} />
     </svg>
   )
 }
+
+/**
+ * The design system's `.alert` box — a tinted panel with a leading glyph, a bold
+ * first line and a plain second.
+ *
+ * <p>Four tones and no more. `high` and `watch` map to the risk scale so a box
+ * cannot be tinted a severity the band does not carry; `info` is brand blue for
+ * a statement of fact; `good` is the only one that says nothing is wrong.
+ */
+export function AlertBox({
+  tone,
+  glyph,
+  title,
+  children,
+}: {
+  tone: 'high' | 'watch' | 'info' | 'good'
+  glyph: React.ReactNode
+  title: string
+  children?: React.ReactNode
+}) {
+  const cls = {
+    high: 'bg-risk-soft border-risk-red/35 text-[#9c2b1f]',
+    watch: 'bg-amber-soft border-amber/40 text-[#8a4e05]',
+    info: 'bg-lp-blue-soft border-lp-blue/30 text-lp-blue',
+    good: 'bg-green-soft border-green/30 text-[#186b3d]',
+  }[tone]
+  return (
+    <div className={`flex gap-2.5 px-3.5 py-2.5 rounded-[8px] border text-[12px] leading-[1.5] ${cls}`}>
+      <span className="shrink-0 mt-px">{glyph}</span>
+      <div className="min-w-0">
+        <b className="block mb-0.5">{title}</b>
+        {children && <span className="text-ink-2 block">{children}</span>}
+      </div>
+    </div>
+  )
+}
+
+/**
+ * What a screen shows instead of borrower rows it cannot verify.
+ *
+ * <p>Deliberately not an error toast. The console's other failure states fall
+ * back to demo data, which is right for a price series and wrong for a
+ * portfolio: the demo borrowers have no owner, so substituting them shows one
+ * bank another bank's book. This panel is the substitute — it explains why the
+ * screen is empty rather than letting an empty screen read as "no alerts".
+ */
+export function Unavailable({
+  what,
+  onRetry,
+}: {
+  what: string
+  onRetry?: () => void
+}) {
+  return (
+    <div className="ul-card p-8 text-center">
+      <p className="text-[13px] font-semibold text-ink">{what} unavailable</p>
+      <p className="text-[11.5px] text-ink-3 mt-1 max-w-[48ch] mx-auto leading-snug">
+        The backend is not reachable. Borrower data is scoped to your own institution and is never
+        reconstructed locally, so nothing is shown rather than something that might not be yours.
+      </p>
+      {onRetry && (
+        <GhostBtn className="mt-3" onClick={onRetry}>
+          Try again
+        </GhostBtn>
+      )}
+    </div>
+  )
+}

src/features/enterprise/AppAlertsPage.tsx

@@ -1,4 +1,5 @@
-import { enterpriseSession } from '../../lib/api'
+import { useQuery } from '@tanstack/react-query'
+import { enterpriseSession, fetchAppAlerts, fetchAppReasons } from '../../lib/api'
 import { Empty } from '../../components/ui/bits'
 import { findEnterprise, reasonCodesFor, tripWiresFor } from '../../lib/demo/enterprises'
 import { alertForEnterprise } from '../../lib/demo/ops'
@@ -15,11 +16,28 @@ export function AppAlertsPage() {
   const { lang, t } = useLang('hi')
   const hi = lang === 'hi'
 
+  // Live alerts for this borrower. The token decides whose they are.
+  const alertsQ = useQuery({ queryKey: ["app-alerts"], queryFn: fetchAppAlerts, enabled: Boolean(session) })
+  // The scored reasons, not a sentence generated from the demo sector table.
+  const reasonsQ = useQuery({ queryKey: ["app-reasons"], queryFn: fetchAppReasons, enabled: Boolean(session) })
+
   const e = session ? findEnterprise(session.enterpriseId) : undefined
   if (!session || !e) return <Empty text="—" />
 
-  const alert = alertForEnterprise(e.enterpriseId)
+  const live = alertsQ.data?.[0]
-  const reasons = reasonCodesFor(e)
+  const alert = live
+    ? { ...live, titleHi: live.titleHi ?? live.title, shortfall: live.shortfall ?? 0,
+        breachMonth: live.breachMonth ?? "",
+        reason: { driver: "", driverHi: "", weight: 0,
+                  sentenceEn: live.reasonEn ?? "", sentenceHi: live.reasonHi ?? "" } }
+    : alertsQ.isSuccess ? null : alertForEnterprise(e.enterpriseId)
+  // Fall back to the demo sentences only while the request is in flight — once it
+  // has answered, an empty list means this borrower has no scored reasons, and
+  // inventing three would be a lie told on the borrower's own screen.
+  const live_reasons = reasonsQ.data
+  const reasons = live_reasons
+    ? live_reasons.slice(0, 3)
+    : reasonsQ.isSuccess ? [] : reasonCodesFor(e)
   const fired = tripWiresFor(e).filter((w) => w.fired)
 
   if (!alert) {
@@ -52,6 +70,11 @@ export function AppAlertsPage() {
             {hi ? 'ऐसा क्यों लग रहा है' : 'Why this is expected'}
           </div>
           <ul className="space-y-2.5">
+            {reasons.length === 0 && (
+              <li className="text-[12px] text-slate-500">
+                {hi ? 'इस महीने कोई मापी गई वजह दर्ज नहीं है।' : 'No measured reason is on record for this run.'}
+              </li>
+            )}
             {reasons.map((r) => (
               <li key={r.driver} className="flex gap-2.5">
                 <span className="w-1.5 h-1.5 rounded-full bg-amber mt-[7px] shrink-0" />

src/features/enterprise/AppHomePage.tsx

@@ -1,5 +1,6 @@
+import { useQuery } from '@tanstack/react-query'
 import { useNavigate } from 'react-router-dom'
-import { enterpriseSession } from '../../lib/api'
+import { enterpriseSession, fetchAppHome, fetchAppLedger, toLedgerEntry } from '../../lib/api'
 import type { ForecastPoint } from '../../lib/api'
 import { Empty } from '../../components/ui/bits'
 import { breachPoint, findEnterprise, forecastFor } from '../../lib/demo/enterprises'
@@ -23,13 +24,31 @@ export function AppHomePage() {
   const [sheet, setSheet] = useState<LedgerKind | null>(null)
 
   const e = session ? findEnterprise(session.enterpriseId) : undefined
-  const { entries } = useLedger(session?.enterpriseId ?? '')
+  const ledgerQ = useQuery({ queryKey: ["app-ledger"], queryFn: fetchAppLedger, enabled: Boolean(session) })
+  const server = (ledgerQ.data ?? []).map(toLedgerEntry)
+  const { entries } = useLedger(session?.enterpriseId ?? "", server)
+
+  // Live record for this borrower. The token carries the enterprise id, so the
+  // server decides whose data this is — the app never asks for an id.
+  const homeQ = useQuery({ queryKey: ["app-home"], queryFn: fetchAppHome, enabled: Boolean(session) })
+  const home = homeQ.data
 
   if (!session || !e) return <Empty text="—" />
 
-  const points = forecastFor(e)
+  // Server forecast where we have one; the in-file generator only if the API is
-  const alert = alertForEnterprise(e.enterpriseId)
+  // unreachable, so a borrower with no signal still sees their own screen.
-  const breach = breachPoint(points)
+  const points = home?.forecast?.length
+    ? home.forecast.map((p) => ({
+        month: p.month,
+        label: monthRef(new Date(`${p.month}-01T00:00:00`)).label,
+        labelHi: monthRef(new Date(`${p.month}-01T00:00:00`)).labelHi,
+        p10: p.p10, p50: p.p50, p90: p.p90, obligation: p.obligation,
+      }))
+    : forecastFor(e)
+  const alert = home?.alert
+    ? { ...home.alert, titleHi: home.alert.titleHi ?? home.alert.title }
+    : alertForEnterprise(e.enterpriseId)
+  const breach = breachPoint(points as never)
   const breachRef = breach ? monthRef(new Date(`${breach.month}-01T00:00:00`)) : null
   const totals = dayTotals(entries)
   const hi = lang === 'hi'
@@ -51,7 +70,7 @@ export function AppHomePage() {
               {hi ? alert.titleHi : alert.title}
             </span>
             <span className="block text-[12.5px] font-bold mt-1">
-              {t('home.estimate')}: {inr(alert.shortfall)} {t('home.shortfall')}
+              {t('home.estimate')}: {inr(alert.shortfall ?? 0)} {t('home.shortfall')}
             </span>
           </span>
           <span className="text-[16px] opacity-70">›</span>

src/features/enterprise/AppLedgerPage.tsx

@@ -1,5 +1,6 @@
 import { useMemo, useState } from 'react'
-import { enterpriseSession } from '../../lib/api'
+import { useQuery } from '@tanstack/react-query'
+import { enterpriseSession, fetchAppLedger, toLedgerEntry } from '../../lib/api'
 import type { LedgerKind } from '../../lib/api'
 import { Empty } from '../../components/ui/bits'
 import { CATEGORIES, useLedger } from '../../lib/ledgerStore'
@@ -15,7 +16,9 @@ export function AppLedgerPage() {
   const { lang, t } = useLang('hi')
   const [range, setRange] = useState<Range>('WEEK')
   const [sheet, setSheet] = useState<LedgerKind | null>(null)
-  const { entries } = useLedger(session?.enterpriseId ?? '')
+  const ledgerQ = useQuery({ queryKey: ["app-ledger"], queryFn: fetchAppLedger, enabled: Boolean(session) })
+  const server = (ledgerQ.data ?? []).map(toLedgerEntry)
+  const { entries } = useLedger(session?.enterpriseId ?? "", server)
   const hi = lang === 'hi'
 
   const cutoff = useMemo(() => {

src/features/enterprise/AppProfilePage.tsx

@@ -1,6 +1,7 @@
+import { useMutation, useQuery, useQueryClient } from '@tanstack/react-query'
 import { useState } from 'react'
 import { useNavigate } from 'react-router-dom'
-import { clearSessions, enterpriseSession } from '../../lib/api'
+import { clearSessions, enterpriseSession, fetchAppHome, setAppConsent } from '../../lib/api'
 import type { Lang } from '../../lib/api'
 import { Empty } from '../../components/ui/bits'
 import { SECTORS, findEnterprise } from '../../lib/demo/enterprises'
@@ -16,20 +17,41 @@ import { useOffline } from '../../lib/useOffline'
 export function AppProfilePage() {
   const navigate = useNavigate()
   const session = enterpriseSession()
+  const queryClient = useQueryClient()
   const { lang, setLang, t } = useLang('hi')
   const offline = useOffline()
-  const [consent, setConsent] = useState(true)
   const [justSynced, setJustSynced] = useState<number | null>(null)
   const hi = lang === 'hi'
 
-  const e = session ? findEnterprise(session.enterpriseId) : undefined
+  // Live record, so the profile shows what the lender actually holds.
+  const homeQ = useQuery({ queryKey: ["app-home"], queryFn: fetchAppHome, enabled: Boolean(session) })
+  const api = homeQ.data?.enterprise
+
+  // Consent is the server's record, not a switch on this screen. Withdrawing it
+  // has to stop scoring everywhere, so the toggle writes and then re-reads.
+  const consent = api ? api.consentActive !== false : true
+  const consentM = useMutation({
+    mutationFn: (next: boolean) => setAppConsent(next),
+    onSuccess: () => queryClient.invalidateQueries({ queryKey: ['app-home'] }),
+  })
+  const demo = session ? findEnterprise(session.enterpriseId) : undefined
+  const e = api
+    ? { ...(demo ?? ({} as never)),
+        enterpriseId: String(api.enterpriseId ?? ""),
+        name: String(api.name ?? ""), nameHi: String(api.nameHi ?? ""),
+        block: String(api.block ?? ""), ownerCount: Number(api.ownerCount ?? 0),
+        vintageMonths: Number(api.vintageMonths ?? 0),
+        loanOutstanding: Number(api.loanOutstanding ?? 0),
+        monthlyInstalment: Number(api.monthlyInstalment ?? 0),
+        score: Number(api.score ?? 0), band: (api.band ?? "STANDARD") as never }
+    : demo
   if (!session || !e) return <Empty text="—" />
 
   const pending = pendingCount(e.enterpriseId)
   const synced = lastSyncedAt()
 
-  function doSync() {
+  async function doSync() {
-    const n = syncPending(e!.enterpriseId)
+    const n = await syncPending(e!.enterpriseId)
     setJustSynced(n)
     setTimeout(() => setJustSynced(null), 2200)
   }
@@ -76,10 +98,15 @@ export function AppProfilePage() {
             : 'Only transaction aggregates are read — never a name, number or account.'}
         </p>
         <button
-          onClick={() => setConsent((c) => !c)}
+          onClick={() => consentM.mutate(!consent)}
-          className="mt-2.5 text-[12px] font-semibold text-risk-red border border-risk-red/30 rounded-lg px-3 py-1.5"
+          disabled={consentM.isPending}
+          className="mt-2.5 text-[12px] font-semibold text-risk-red border border-risk-red/30 rounded-lg px-3 py-1.5 disabled:opacity-50"
         >
-          {consent ? t('profile.revoke') : hi ? 'सहमति दोबारा दें' : 'Give consent again'}
+          {consentM.isPending
+            ? hi ? 'भेजा जा रहा है…' : 'Sending…'
+            : consent
+              ? t('profile.revoke')
+              : hi ? 'सहमति दोबारा दें' : 'Give consent again'}
         </button>
       </section>
 
@@ -96,7 +123,7 @@ export function AppProfilePage() {
           {t('profile.lastSynced')}: {synced ? new Date(synced).toLocaleString() : t('profile.never')}
         </div>
         <button
-          onClick={doSync}
+          onClick={() => void doSync()}
           disabled={offline || pending === 0}
           className="mt-2.5 w-full bg-forest disabled:opacity-40 text-white text-[13px] font-semibold py-2.5 rounded-lg"
         >

src/features/enterprise/EnterpriseShell.tsx

@@ -3,7 +3,7 @@ import { enterpriseSession } from '../../lib/api'
 import { UdyamMark } from '../../components/ui/bits'
 import { useLang } from '../../lib/i18n'
 import { useOffline } from '../../lib/useOffline'
-import { pendingCount } from '../../lib/ledgerStore'
+import { pendingCount, useAutoSync } from '../../lib/ledgerStore'
 
 /*
  * Enterprise PWA shell — a phone-width frame with a forest header and a four-tab
@@ -22,11 +22,14 @@ export function EnterpriseShell() {
   const session = enterpriseSession()
   const { lang, t } = useLang('hi')
   const offline = useOffline()
+  // Queued entries go the moment the radio returns, on whichever screen the
+  // owner happens to be looking at.
+  useAutoSync(session?.enterpriseId)
   const pending = session ? pendingCount(session.enterpriseId) : 0
 
   return (
     <div className="min-h-screen bg-[#eef3f0] flex justify-center">
-      <div className="w-full max-w-[420px] bg-[#f4f7f5] min-h-screen flex flex-col shadow-[0_0_40px_rgba(6,48,31,0.08)]">
+      <div className="w-full max-w-[420px] bg-page min-h-screen flex flex-col shadow-[0_0_40px_rgba(6,48,31,0.08)]">
         {/* ── header ────────────────────────────────────────── */}
         <header className="bg-forest text-white px-4 py-3 flex items-center gap-2.5 sticky top-0 z-30">
           <UdyamMark size={26} onDark />

src/features/enterprise/EntrySheet.tsx

@@ -1,6 +1,7 @@
 import { useState } from 'react'
+import { useQueryClient } from '@tanstack/react-query'
 import type { LedgerKind } from '../../lib/api'
-import { CATEGORIES, addEntry } from '../../lib/ledgerStore'
+import { CATEGORIES, addEntry, syncPending } from '../../lib/ledgerStore'
 import { useLang } from '../../lib/i18n'
 import { inr } from '../../lib/demo/seed'
 
@@ -32,14 +33,23 @@ export function EntrySheet({
   const [amount, setAmount] = useState('')
   const [category, setCategory] = useState(CATEGORIES[kind][0].code)
   const [done, setDone] = useState(false)
+  const queryClient = useQueryClient()
   const hi = lang === 'hi'
   const meta = KIND_META[kind]
   const value = Number(amount) || 0
 
   function save() {
     if (value <= 0) return
+    // Local first, always. The entry is the owner's the moment they tap save;
+    // reaching the lender is our problem, not theirs.
     addEntry({ enterpriseId, kind, amount: value, category })
     setDone(true)
+    // Then try to send. A failure is silent by design — the entry stays PENDING
+    // and the next pass picks it up.
+    void syncPending(enterpriseId).then(() => {
+      void queryClient.invalidateQueries({ queryKey: ['app-ledger'] })
+      void queryClient.invalidateQueries({ queryKey: ['app-home'] })
+    })
     setTimeout(onClose, 900)
   }
 

src/features/nabard/NabardShell.tsx

@@ -1,5 +1,5 @@
 import { NavLink, Outlet, useNavigate } from 'react-router-dom'
-import { Building2, Gauge, Landmark, MapPinned, ShieldCheck, Siren } from 'lucide-react'
+import { Building2, Database, Gauge, Landmark, LogOut, MapPinned, ShieldCheck, Siren } from 'lucide-react'
 import { clearSessions, isRegionalOfficeRole, officerSession } from '../../lib/api'
 
 const NAV = [
@@ -8,6 +8,7 @@ const NAV = [
   { label: 'Partner banks', to: '/nabard/banks', icon: Landmark },
   { label: 'Early warning', to: '/nabard/digest', icon: Siren },
   { label: 'Institutions', to: '/nabard/institutions', icon: Building2 },
+  { label: 'Data coverage', to: '/nabard/sources', icon: Database },
 ]
 
 /**
@@ -17,75 +18,96 @@ const NAV = [
  * branch officer are not two ranks of one job — they see different things and
  * may do different things, and a portal that looked identical would invite the
  * assumption that the apex user is simply a bank user with more rights.
+ *
+ * <p>Both now sit under a fixed header, because the design system has one, but
+ * the apex tier keeps a flat row of six rather than the console's grouped
+ * dropdowns. Six is under the count where grouping helps, and a supervisor
+ * reading across offices should see the whole of their own vocabulary at once
+ * rather than open a menu to remember what is in it.
  */
 export function NabardShell() {
   const navigate = useNavigate()
   const session = officerSession()
+  const tier = isRegionalOfficeRole(session?.role) ? 'NABARD Regional Office' : 'NABARD Head Office'
 
   return (
-    <div className="min-h-screen flex bg-slate-50">
+    <div className="min-h-screen flex flex-col bg-page">
-      <aside className="w-[210px] shrink-0 bg-[#123c2b] text-white flex flex-col px-3 py-5">
+      <header className="sticky top-0 z-40">
-        <div className="flex items-center gap-2.5 px-2 pb-5">
+        <div className="bg-forest-deep text-white flex items-center gap-4 px-4 h-14 shadow-[0_2px_14px_rgba(0,0,0,0.25)]">
-          <span className="w-9 h-9 rounded-[9px] bg-[#0f6b4c] grid place-items-center shrink-0">
+          <NavLink to="/nabard" className="flex items-center gap-2.5 shrink-0">
-            <ShieldCheck size={19} />
+            <span className="w-[30px] h-[30px] rounded-[9px] bg-forest-mid grid place-items-center shrink-0">
-          </span>
+              <ShieldCheck size={17} />
-          <span>
-            <b className="text-[16px] block leading-tight">UdyamLinc</b>
-            {/*
-              Head office and a regional office are both NABARD and see the same
-              kinds of figures over different territory. Naming which one is
-              signed in stops a supervisor reading a single office's numbers as
-              the national picture.
-            */}
-            <span className="text-[10.5px] text-[#bcd6cb]">
-              {isRegionalOfficeRole(session?.role) ? 'NABARD Regional Office' : 'NABARD Head Office'}
             </span>
-          </span>
+            <span className="leading-tight hidden sm:block">
-        </div>
+              <span className="block text-[14px] font-bold tracking-[-0.02em]">UdyamLinc</span>
+              {/*
+                Head office and a regional office are both NABARD and see the same
+                kinds of figures over different territory. Naming which one is
+                signed in stops a supervisor reading a single office's numbers as
+                the national picture.
+              */}
+              <span className="block text-[10px] text-white/55">{tier}</span>
+            </span>
+          </NavLink>
 
-        <nav className="flex flex-col gap-0.5">
+          <span className="w-px h-6 bg-white/20 hidden md:block" />
-          {NAV.map((n) => (
+
-            <NavLink
+          <nav className="flex items-center gap-0.5 min-w-0">
-              key={n.to}
+            {NAV.map((n) => (
-              to={n.to}
+              <NavLink
-              end={n.end}
+                key={n.to}
-              className={({ isActive }) =>
+                to={n.to}
-                `flex items-center gap-2.5 px-2.5 py-2 rounded-lg text-[12.5px] transition-colors ${
+                end={n.end}
-                  isActive ? 'bg-white/15 text-white font-semibold' : 'text-[#cfe2da] hover:bg-white/10'
+                className={({ isActive }) =>
-                }`
+                  `flex items-center gap-1.5 px-3 h-[34px] rounded-[8px] text-[13px] whitespace-nowrap transition-colors ${
-              }
+                    isActive
+                      ? 'bg-white text-forest-deep font-semibold'
+                      : 'text-white/70 font-medium hover:bg-white/10 hover:text-white'
+                  }`
+                }
+              >
+                <n.icon size={14} strokeWidth={2} />
+                {n.label}
+              </NavLink>
+            ))}
+          </nav>
+
+          <div className="ml-auto flex items-center gap-3 shrink-0">
+            <span className="hidden lg:block text-[11px] text-white/55">{session?.username}</span>
+            <button
+              onClick={() => {
+                clearSessions()
+                navigate('/login', { replace: true })
+              }}
+              className="flex items-center gap-1.5 text-[11.5px] text-white/70 hover:text-white bg-white/10 hover:bg-white/20 rounded-[8px] px-2.5 py-1.5"
             >
-              <n.icon size={15} />
+              <LogOut size={13} />
-              {n.label}
+              Sign out
-            </NavLink>
+            </button>
-          ))}
+          </div>
-        </nav>
+        </div>
 
         {/*
           Stated in the chrome, on every screen, rather than buried in a policy
           page: this tier cannot reach a borrower. A supervisor should be able to
           tell a partner bank what this portal can see without checking.
         */}
-        <div className="mt-auto pt-4 border-t border-white/15 text-[10px] text-[#9dbfb1] leading-relaxed">
+        <div className="bg-green-soft border-b border-line px-5 py-2 flex items-center gap-2 text-[11px] text-[#186b3d]">
-          <b className="text-[#dcebe4] block mb-0.5">Aggregate view only</b>
+          <ShieldCheck size={14} className="shrink-0" />
-          This portal holds no borrower identity. Figures are counts and rates
+          <span>
-          across refinanced portfolios; cells below the minimum size are withheld.
+            <b>Aggregate view only.</b> This portal holds no borrower identity. Figures are counts and rates
+            across refinanced portfolios; cells below the minimum size are withheld.
+          </span>
         </div>
+      </header>
 
-        <button
+      <main className="flex-1 min-w-0 px-5 py-4 w-full max-w-[1400px] ul-pane">
-          onClick={() => {
-            clearSessions()
-            navigate('/login', { replace: true })
-          }}
-          className="mt-3 text-[11px] text-[#9dbfb1] hover:text-white text-left px-2"
-        >
-          Sign out{session ? ` · ${session.username}` : ''}
-        </button>
-      </aside>
-
-      <main className="flex-1 min-w-0 px-6 py-5 max-w-[1200px]">
         <Outlet />
       </main>
+
+      <footer className="text-center text-[10px] text-ink-3 py-3 font-mono">
+        UdyamLinc · Supervisory view — Team LincFusion, LincPay Solutions Pvt. Ltd.
+      </footer>
     </div>
   )
 }

src/features/nabard/SourceCoveragePage.tsx

@@ -0,0 +1,300 @@
+import { useQuery } from '@tanstack/react-query'
+import {
+  CalendarClock,
+  CloudRain,
+  IndianRupee,
+  Landmark,
+  MapPinned,
+  Thermometer,
+  Wheat,
+} from 'lucide-react'
+import type { LucideIcon } from 'lucide-react'
+import { get } from '../../lib/api'
+import type {
+  ConnectorProfileRow,
+  ConnectorSyncRun,
+  Freshness,
+  IngestionRun,
+  InstitutionRow,
+  ManualEntryBatch,
+} from '../../lib/api'
+import { Card, KpiTile, StatusPill } from '../../components/ui/bits'
+import { PipelineStrip, SourceGroup, StatusLegend } from '../../components/ui/SourceCard'
+import type { SourceStatus } from '../../lib/sourceStatus'
+import { buildInventory, mandateCoverage } from '../../lib/sourceInventory'
+import { demoFreshness, demoIngestionRuns } from '../../lib/demo/feeds'
+import { demoProfiles, demoRuns } from '../../lib/demo/connectors'
+import { demoBatches } from '../../lib/demo/manualEntry'
+import { demoInstitutions } from '../../lib/demo/apex'
+
+/**
+ * What the platform is reading, seen from the apex tier.
+ *
+ * <p>Supervision is a question about coverage, not about operation. NABARD does
+ * not run an ingestion job or map a bank's columns, so this page carries no
+ * controls and no drill-through into the operational screens — it answers "is
+ * the network observing what it claims to observe", and stops there.
+ *
+ * <p>It is also the one apex screen where showing a gap is the entire purpose.
+ * A supervisor who cannot see that consented transaction data has never been
+ * connected will read an alert count as complete when it is one family short.
+ *
+ * <p><b>The tenancy rule is unchanged and needs no exception here.</b> Every
+ * figure on this page describes a feed, a table or an institution's
+ * connection — never a borrower. There is no row to suppress because there is
+ * no borrower row in the question.
+ */
+/** One observation-reach figure. Amber tile when the number is short of its own target. */
+function ReachTile({
+  icon: Icon,
+  label,
+  value,
+  sub,
+  warn = false,
+}: {
+  icon: LucideIcon
+  label: string
+  value: React.ReactNode
+  sub: string
+  warn?: boolean
+}) {
+  return (
+    <div className="ul-card px-3.5 py-3 flex gap-2.5">
+      <span
+        className={`w-8 h-8 rounded-[9px] grid place-items-center shrink-0 ${
+          warn ? 'bg-amber-soft text-amber' : 'bg-green-soft text-forest'
+        }`}
+      >
+        <Icon size={16} strokeWidth={2} />
+      </span>
+      <div className="min-w-0">
+        <div className="text-[10.5px] text-slate-500 leading-snug">{label}</div>
+        <div className="text-[22px] font-bold text-forest leading-tight mt-0.5">{value}</div>
+        <div className="text-[10.5px] text-slate-400 leading-snug">{sub}</div>
+      </div>
+    </div>
+  )
+}
+
+export function SourceCoveragePage() {
+  const freshnessQ = useQuery({
+    queryKey: ['freshness'],
+    queryFn: () => get<Freshness[]>('/admin/ingestion/freshness'),
+  })
+  const runsQ = useQuery({
+    queryKey: ['ingestion-runs'],
+    queryFn: () => get<IngestionRun[]>('/admin/ingestion/runs', { limit: 20 }),
+  })
+  const profilesQ = useQuery({
+    queryKey: ['connector-profiles'],
+    queryFn: () => get<ConnectorProfileRow[]>('/admin/connectors/profiles'),
+  })
+  const connectorRunsQ = useQuery({
+    queryKey: ['connector-runs'],
+    queryFn: () => get<ConnectorSyncRun[]>('/admin/connectors/runs', { limit: 30 }),
+  })
+  const batchesQ = useQuery({
+    queryKey: ['manual-batches'],
+    queryFn: () => get<ManualEntryBatch[]>('/admin/manual/batches', { limit: 20 }),
+  })
+  const institutionsQ = useQuery({
+    queryKey: ['apex-institutions'],
+    queryFn: () => get<InstitutionRow[]>('/nabard/institutions'),
+  })
+
+  const demo =
+    freshnessQ.isError ||
+    runsQ.isError ||
+    profilesQ.isError ||
+    connectorRunsQ.isError ||
+    batchesQ.isError ||
+    institutionsQ.isError
+
+  const freshness = freshnessQ.data ?? demoFreshness()
+  const profiles = profilesQ.data ?? demoProfiles()
+  const institutions = (institutionsQ.data ?? demoInstitutions()).filter((i) => i.type !== 'APEX')
+
+  const inv = buildInventory({
+    freshness,
+    runs: runsQ.data ?? demoIngestionRuns(),
+    profiles,
+    connectorRuns: connectorRunsQ.data ?? demoRuns(),
+    batches: batchesQ.data ?? demoBatches(),
+    // The apex tier gets the inventory, not the controls.
+    withLinks: false,
+  })
+
+  const count = (s: SourceStatus) => inv.all.filter((x) => x.status === s).length
+  const mandate = mandateCoverage(inv)
+
+  // Keyed by the family name the builder returns, so a renamed family loses its
+  // glyph rather than silently wearing the wrong one.
+  const FAMILY_ICON: Record<string, LucideIcon> = {
+    'Financial records': Landmark,
+    'Digital transaction proxies': IndianRupee,
+    'Market intelligence': Wheat,
+    'Climate data': CloudRain,
+  }
+
+  // A lender counts as connected when it has a profile that is not a simulated
+  // dialect. Anything else — a simulated adapter, no profile at all — is a bank
+  // whose book reaches the platform by upload, and a supervisor should see that.
+  const connected = new Set(
+    profiles.filter((p) => !p.simulated && p.institutionCode).map((p) => p.institutionCode as string),
+  )
+  const lendersConnected = institutions.filter((i) => connected.has(i.code)).length
+
+  const marketAges = freshness
+    .map((f) => f.marketStalenessDays)
+    .filter((d): d is number => d != null)
+  const freshDistricts = marketAges.filter((d) => d <= 10).length
+
+  return (
+    <div className="space-y-4">
+      <div className="flex items-start gap-3">
+        <div className="flex-1">
+          <h1 className="text-[15px] font-bold text-forest leading-tight">Data source coverage</h1>
+          <p className="text-[11px] text-slate-500 max-w-[780px]">
+            What the network is reading, and what it is not. Read-only: the apex tier supervises whether a
+            source is connected and never operates one. Every figure here describes a feed or an
+            institution’s connection — no borrower appears in this question, so none is suppressed from it.
+          </p>
+        </div>
+        {demo && <StatusPill status="Demo data" />}
+      </div>
+
+      <PipelineStrip />
+
+      <div className="flex flex-wrap gap-3">
+        <KpiTile label="Sources on the inventory" value={inv.all.length} delta="across five families" />
+        <KpiTile label="Live today" value={count('LIVE')} delta="real data flowing" tone="good" />
+        <KpiTile
+          label="Simulated"
+          value={count('SIMULATED')}
+          delta="stamped, never mistakable for real"
+          tone="watch"
+        />
+        <KpiTile label="Not connected" value={count('NOT_CONNECTED')} delta="seam built, source pending" />
+        <KpiTile
+          label="Lenders on a live extract"
+          value={`${lendersConnected}/${institutions.length}`}
+          delta="the rest deliver by upload"
+          tone={lendersConnected === institutions.length ? 'good' : 'watch'}
+        />
+      </div>
+
+      {/* ── the mandate, family by family ─────────────────────────── */}
+      <Card
+        title="Against the mandate"
+        badge="four families"
+        actions={
+          <span className="text-[10.5px] text-slate-400">
+            Financial records · transaction proxies · market intelligence · climate
+          </span>
+        }
+      >
+        <table className="ul-table">
+          <thead>
+            <tr>
+              <th>Data family</th>
+              <th>What stands behind it</th>
+              <th className="text-right">Live</th>
+              <th>Coverage</th>
+            </tr>
+          </thead>
+          <tbody>
+            {mandate.map((m) => {
+              const pct = m.total === 0 ? 0 : Math.round((m.live / m.total) * 100)
+              const tone = m.live === 0 ? 'bg-risk-red' : pct >= 60 ? 'bg-green' : 'bg-amber'
+              const Icon = FAMILY_ICON[m.family]
+              const tile =
+                m.live === 0 ? 'bg-risk-soft text-risk-red' : 'bg-green-soft text-forest'
+              return (
+                <tr key={m.family}>
+                  <td className="font-semibold text-slate-700">
+                    <span className="flex items-center gap-2">
+                      {Icon && (
+                        <span className={`w-6 h-6 rounded-[7px] grid place-items-center shrink-0 ${tile}`}>
+                          <Icon size={13} strokeWidth={2} />
+                        </span>
+                      )}
+                      {m.family}
+                    </span>
+                  </td>
+                  <td className="text-slate-500 whitespace-normal">{m.detail}</td>
+                  <td className="text-right font-mono text-[11.5px]">
+                    {m.live}/{m.total}
+                  </td>
+                  <td className="w-[190px]">
+                    <span className="flex items-center gap-2">
+                      <span className="flex-1 h-[7px] rounded-full bg-slate-100 overflow-hidden">
+                        <span className={`block h-full rounded-full ${tone}`} style={{ width: `${pct}%` }} />
+                      </span>
+                      <span className="font-mono text-[10.5px] text-slate-500 w-8 text-right">{pct}%</span>
+                    </span>
+                  </td>
+                </tr>
+              )
+            })}
+          </tbody>
+        </table>
+        <p className="px-3.5 py-2.5 text-[10.5px] text-slate-500 border-t border-slate-100 leading-snug">
+          Consented transaction data is the one family with nothing live behind it. Account Aggregator
+          registration under Sahamati is an institutional agreement rather than an engineering task, so the
+          table, the query and the feature are built and the trip-wire that reads them reports{' '}
+          <span className="font-mono text-[10px]">SKIPPED_MISSING</span> rather than quietly passing.
+        </p>
+      </Card>
+
+      {/* ── observation reach ─────────────────────────────────────── */}
+      <Card title="Observation reach" badge="districts & lenders">
+        <div className="p-3.5 grid gap-3 sm:grid-cols-3">
+          <ReachTile
+            icon={MapPinned}
+            label="Districts with a commodity basket"
+            value={inv.districtsCovered}
+            sub="39 commodities tracked nightly"
+          />
+          <ReachTile
+            icon={CalendarClock}
+            label="Districts fresh within 10 days"
+            value={
+              <>
+                {freshDistricts}
+                <span className="text-[13px] text-slate-400 font-semibold">/{inv.districtsCovered}</span>
+              </>
+            }
+            sub={
+              inv.worstMarketAge != null
+                ? `oldest observation ${inv.worstMarketAge} days`
+                : 'nothing ingested yet'
+            }
+            warn={freshDistricts < inv.districtsCovered}
+          />
+          <ReachTile
+            icon={Thermometer}
+            label="Climate series"
+            value="30 yr"
+            sub="baseline behind every rainfall and heat anomaly"
+          />
+        </div>
+        <p className="px-3.5 pb-3 text-[10.5px] text-slate-500 leading-snug">
+          A trip-wire refuses to fire on data older than its tolerance, so a district falling behind
+          withholds alerts rather than issuing stale ones. That is why staleness is a supervisory figure and
+          not an operational footnote.
+        </p>
+      </Card>
+
+      <StatusLegend />
+
+      {inv.groups.map((g) => (
+        <SourceGroup key={g.letter} {...g} />
+      ))}
+
+      <p className="text-[10.5px] text-slate-400 leading-snug">
+        Every stored row carries its origin, and a simulated row can never overwrite a real one. Coverage is
+        reported in three buckets — real, simulated and unknown — and unknown is never folded into real.
+      </p>
+    </div>
+  )
+}

src/features/officer/AlertsPage.tsx

@@ -1,6 +1,7 @@
 import { useState } from 'react'
+import { useQuery } from '@tanstack/react-query'
 import { useNavigate } from 'react-router-dom'
-import { officerSession } from '../../lib/api'
+import { fetchAlerts, fetchEnterprises, joinAlerts, officerSession } from '../../lib/api'
 import type { AlertState, RiskAlert } from '../../lib/api'
 import { ActionChip, Card, Empty, GhostBtn, RiskBadge, StatusPill } from '../../components/ui/bits'
 import { SECTORS } from '../../lib/demo/enterprises'
@@ -25,7 +26,20 @@ export function AlertsPage() {
   const navigate = useNavigate()
   const { block } = useScope()
   const [filter, setFilter] = useState<AlertState | 'ALL'>('OPEN')
-  const { alerts, audit } = useAlerts(block)
+  // Two scoped lists, intersected: the alert carries only an enterprise id, and
+  // the borrower fields come from the enterprise list, which is filtered to this
+  // institution. An alert whose borrower is not on this book resolves to nothing
+  // and is dropped.
+  const alertsQ = useQuery({
+    queryKey: ['officer-alerts', block],
+    queryFn: () => fetchAlerts(block),
+  })
+  const entsQ = useQuery({
+    queryKey: ['officer-enterprises', block],
+    queryFn: () => fetchEnterprises(block),
+  })
+  const joined = joinAlerts(alertsQ.data ?? [], entsQ.data ?? [])
+  const { alerts, audit } = useAlerts(block, joined)
   const actor = officerSession()?.fullName ?? 'Field Officer'
 
   const rows = alerts.filter((a) => filter === 'ALL' || a.state === filter)
@@ -34,6 +48,26 @@ export function AlertsPage() {
     setAlertState(alert, to, actor)
   }
 
+  // No demo fallback here, on purpose. The demo portfolio carries no owner, so
+  // showing it would list other banks' borrowers to whoever is signed in. An
+  // unreachable server is a thing to say, not a thing to paper over.
+  if (alertsQ.isError || entsQ.isError) {
+    return (
+      <Card title="Risk alerts">
+        <div className="p-8 text-center">
+          <p className="text-[13px] font-semibold text-ink">Alert queue unavailable</p>
+          <p className="text-[11.5px] text-ink-3 mt-1 max-w-[46ch] mx-auto leading-snug">
+            The backend is not reachable. Alerts are scoped to your own institution and are never
+            reconstructed locally, so nothing is shown rather than something that might not be yours.
+          </p>
+          <GhostBtn className="mt-3" onClick={() => alertsQ.refetch()}>
+            Try again
+          </GhostBtn>
+        </div>
+      </Card>
+    )
+  }
+
   return (
     <div className="grid gap-4 xl:grid-cols-[1fr_320px] items-start">
       <div>
@@ -80,8 +114,8 @@ export function AlertsPage() {
                     </div>
 
                     <div className="text-[11px] text-slate-500 mt-0.5">
-                      {a.enterpriseId} · {SECTORS[a.sector].short} · {a.block} · score{' '}
+                      {a.enterpriseId} · {SECTORS[a.sector]?.short ?? a.sector} · {a.block} · score{' '}
-                      <b className="text-slate-700">{a.score}</b> · raised {a.raisedAt}
+                      <b className="text-slate-700">{a.score}</b> · raised {a.raisedAt?.slice(0, 16).replace('T', ' ')}
                     </div>
 
                     <p className="text-[12.5px] font-semibold text-slate-700 mt-2">{a.title}</p>

src/features/officer/DashboardTabs.tsx

@@ -0,0 +1,43 @@
+import { NavLink } from 'react-router-dom'
+
+/**
+ * Two ways to read the same book.
+ *
+ * <p><b>Portfolio overview</b> ranks by composite score — the register an officer
+ * already knows how to read, and the view that has been demonstrated.
+ * <b>Early warning</b> ranks by when the downside first stops covering the
+ * instalment, which is the thing this platform can show that a bureau score
+ * cannot.
+ *
+ * <p>They are tabs rather than one merged screen because they answer different
+ * questions and sort by different keys. Merging them would mean picking one sort
+ * order and losing the other.
+ */
+const TABS = [
+  { to: '/officer', label: 'Portfolio overview', end: true },
+  { to: '/officer/early-warning', label: 'Early warning', end: false },
+]
+
+export function DashboardTabs() {
+  return (
+    <div className="flex gap-1 border-b border-line mb-4">
+      {TABS.map((t) => (
+        <NavLink
+          key={t.to}
+          to={t.to}
+          end={t.end}
+          className={({ isActive }) =>
+            [
+              'px-3.5 py-2 text-[12px] font-semibold whitespace-nowrap border-b-2 -mb-px transition-colors',
+              isActive
+                ? 'text-lp-blue border-lp-blue'
+                : 'text-ink-3 border-transparent hover:text-ink',
+            ].join(' ')
+          }
+        >
+          {t.label}
+        </NavLink>
+      ))}
+    </div>
+  )
+}

src/features/officer/DataSourcesPage.tsx

@@ -0,0 +1,116 @@
+import { useQuery } from '@tanstack/react-query'
+import { get } from '../../lib/api'
+import type {
+  ConnectorProfileRow,
+  ConnectorSyncRun,
+  Freshness,
+  IngestionRun,
+  ManualEntryBatch,
+} from '../../lib/api'
+import { KpiTile } from '../../components/ui/bits'
+import { PipelineStrip, SourceGroup, StatusLegend } from '../../components/ui/SourceCard'
+import type { SourceStatus } from '../../lib/sourceStatus'
+import { buildInventory } from '../../lib/sourceInventory'
+import { demoFreshness, demoIngestionRuns } from '../../lib/demo/feeds'
+import { demoProfiles, demoRuns } from '../../lib/demo/connectors'
+import { demoBatches } from '../../lib/demo/manualEntry'
+
+/**
+ * Every way data enters this system, on one screen, in one visual language.
+ *
+ * <p>The console already had three screens that each answer part of the
+ * question — `/officer/feeds` for the public APIs, `/officer/integration` for
+ * core banking, `/officer/data-entry` for uploads. Nobody arriving at the
+ * platform for the first time can hold those three together, and the honest
+ * answer to "where does your data come from" is a single inventory or it is not
+ * an answer.
+ *
+ * <p>So every source is rendered through one card with the same four facts in
+ * the same four places: how it arrives, what it writes, how often, and what it
+ * last did. The only thing that varies between a live government API and an
+ * unbuilt consent feed is the status pill — which is the point. A source that is
+ * not connected occupies the same space as one that is, rather than being absent
+ * and unnoticed.
+ */
+export function DataSourcesPage() {
+  const freshnessQ = useQuery({
+    queryKey: ['freshness'],
+    queryFn: () => get<Freshness[]>('/admin/ingestion/freshness'),
+  })
+  const runsQ = useQuery({
+    queryKey: ['ingestion-runs'],
+    queryFn: () => get<IngestionRun[]>('/admin/ingestion/runs', { limit: 20 }),
+  })
+  const profilesQ = useQuery({
+    queryKey: ['connector-profiles'],
+    queryFn: () => get<ConnectorProfileRow[]>('/admin/connectors/profiles'),
+  })
+  const connectorRunsQ = useQuery({
+    queryKey: ['connector-runs'],
+    queryFn: () => get<ConnectorSyncRun[]>('/admin/connectors/runs', { limit: 30 }),
+  })
+  const batchesQ = useQuery({
+    queryKey: ['manual-batches'],
+    queryFn: () => get<ManualEntryBatch[]>('/admin/manual/batches', { limit: 20 }),
+  })
+
+  const demo =
+    freshnessQ.isError || runsQ.isError || profilesQ.isError || connectorRunsQ.isError || batchesQ.isError
+
+  const inv = buildInventory({
+    freshness: freshnessQ.data ?? demoFreshness(),
+    runs: runsQ.data ?? demoIngestionRuns(),
+    profiles: profilesQ.data ?? demoProfiles(),
+    connectorRuns: connectorRunsQ.data ?? demoRuns(),
+    batches: batchesQ.data ?? demoBatches(),
+    withLinks: true,
+  })
+
+  const count = (s: SourceStatus) => inv.all.filter((x) => x.status === s).length
+
+  return (
+    <div className="space-y-4">
+      <div className="flex items-start gap-3">
+        <div>
+          <h1 className="text-[15px] font-bold text-forest leading-tight">Data sources</h1>
+          <p className="text-[11px] text-slate-500 max-w-[760px]">
+            Every route by which data enters UdyamLinc — public APIs, core banking extracts, consented
+            transaction aggregates, manual uploads and the borrower’s own ledger. A source that is not yet
+            connected is shown here rather than left out, because the gap is part of the answer.
+          </p>
+        </div>
+        {demo && <span className="pill pill-pend ml-auto shrink-0">Demo data</span>}
+      </div>
+
+      <PipelineStrip />
+
+      <div className="flex flex-wrap gap-3">
+        <KpiTile label="Sources on the inventory" value={inv.all.length} delta="across five families" />
+        <KpiTile label="Live today" value={count('LIVE')} delta="real data flowing" tone="good" />
+        <KpiTile
+          label="Simulated"
+          value={count('SIMULATED')}
+          delta="stamped, never mistakable for real"
+          tone="watch"
+        />
+        <KpiTile label="Not connected" value={count('NOT_CONNECTED')} delta="seam built, source pending" />
+        <KpiTile
+          label="Districts covered"
+          value={inv.districtsCovered}
+          delta="commodity baskets ingested"
+        />
+      </div>
+
+      <StatusLegend />
+
+      {inv.groups.map((g) => (
+        <SourceGroup key={g.letter} {...g} />
+      ))}
+
+      <p className="text-[10.5px] text-slate-400 leading-snug">
+        Every stored row carries its origin, and a simulated row can never overwrite a real one. Coverage is
+        reported in three buckets — real, simulated and unknown — and unknown is never folded into real.
+      </p>
+    </div>
+  )
+}

src/features/officer/EnterpriseDetailPage.tsx

@@ -1,7 +1,16 @@
 import { useState } from 'react'
+import { useQuery } from '@tanstack/react-query'
 import { useNavigate, useParams } from 'react-router-dom'
-import { officerSession } from '../../lib/api'
+import { enterpriseDetail, isNotFound, officerSession } from '../../lib/api'
-import type { Enterprise } from '../../lib/api'
+import type {
+  Enterprise,
+  FieldVisit,
+  LedgerEntry,
+  EnterpriseDetail,
+  ForecastPointRow,
+  ReasonCodeRow,
+  StressScoreRow,
+} from '../../lib/api'
 import {
   ActionChip,
   Card,
@@ -22,8 +31,6 @@ import {
   breachPoint,
   findEnterprise,
   forecastFor,
-  reasonCodesFor,
-  stressScoreFor,
   subScoresFor,
   tripWiresFor,
 } from '../../lib/demo/enterprises'
@@ -43,18 +50,110 @@ const TABS: { key: Tab; label: string }[] = [
   { key: 'VISITS', label: 'Visits' },
 ]
 
-/** Everything the officer needs about one enterprise, in five tabs. */
+/**
+ * Sector label that cannot throw.
+ *
+ * <p>`SECTORS[e.sector].label` reads fine until the day a sector is added to the
+ * database and not to the front end, and then it takes the whole page down
+ * rather than showing one unfamiliar word. The codes match today; this is so
+ * they may stop matching without costing an officer their screen.
+ */
+function sectorLabel(sector: string | undefined): string {
+  if (!sector) return "Unknown sector"
+  return SECTORS[sector as keyof typeof SECTORS]?.label ?? sector.replace(/_/g, " ").toLowerCase()
+}
+
+/**
+ * Reconcile the wire record with the shape this screen is written against.
+ *
+ * <p>They are not the same object and were never meant to be. The API stores an
+ * enterprise with foreign keys — {@code sectorId}, {@code districtId} — and
+ * returns the resolved {@code sector} and {@code district} as siblings, because
+ * a row in a table should not carry its own joins. The screen wants one flat
+ * record. Reading the API object directly gave `SECTORS[undefined]`, which threw
+ * on every enterprise.
+ *
+ * <p>`trend` has no server equivalent yet — the six-month score history would
+ * need a query across scoring runs. Until that exists it comes from the demo
+ * enterprise where there is one, and otherwise flat-lines at the current score
+ * rather than inventing a shape.
+ */
+function mergeEnterprise(
+  detail: EnterpriseDetail | undefined,
+  demo: Enterprise | undefined,
+): Enterprise | undefined {
+  if (!detail) return demo
+  const api = detail.enterprise as unknown as Record<string, unknown>
+  const score = Number(api.score ?? demo?.score ?? 0)
+
+  return {
+    ...(demo ?? ({} as Enterprise)),
+    id: Number(api.id ?? demo?.id ?? 0),
+    enterpriseId: String(api.enterpriseId ?? demo?.enterpriseId ?? ''),
+    name: String(api.name ?? demo?.name ?? ''),
+    nameHi: String(api.nameHi ?? demo?.nameHi ?? ''),
+    // Resolved names travel beside the record, not inside it.
+    sector: (detail.sector ?? demo?.sector) as Enterprise['sector'],
+    district: detail.district ?? demo?.district ?? '',
+    block: String(api.block ?? demo?.block ?? ''),
+    ownerCount: Number(api.ownerCount ?? demo?.ownerCount ?? 0),
+    vintageMonths: Number(api.vintageMonths ?? demo?.vintageMonths ?? 0),
+    loanOutstanding: Number(api.loanOutstanding ?? demo?.loanOutstanding ?? 0),
+    monthlyInstalment: Number(api.monthlyInstalment ?? demo?.monthlyInstalment ?? 0),
+    score,
+    band: (api.band ?? demo?.band ?? 'STANDARD') as Enterprise['band'],
+    trend: demo?.trend ?? Array(6).fill(score),
+    lastUpdated: String(api.lastScoredAt ?? demo?.lastUpdated ?? ''),
+  }
+}
+
+/**
+ * Everything the officer needs about one enterprise, in five tabs.
+ *
+ * <p>Reads the live record. This screen used to compute the score, the
+ * sub-scores and the drivers in the browser from a JavaScript copy of the rule
+ * weights — which meant the "SHAP" badge sat over numbers no model had produced,
+ * while the real SHAP values sat unread in `reason_code`. Everything on this page
+ * now comes from the scoring run that actually happened, and the engine that
+ * produced it is named on the score card.
+ */
 export function EnterpriseDetailPage() {
   const { enterpriseId = '' } = useParams()
   const navigate = useNavigate()
   const [tab, setTab] = useState<Tab>('OVERVIEW')
   const [scheduling, setScheduling] = useState(false)
 
-  const e = findEnterprise(enterpriseId)
+  const { data, error, isError, isLoading } = useQuery({
+    queryKey: ['enterprise-detail', enterpriseId],
+    queryFn: () => enterpriseDetail(enterpriseId),
+    enabled: Boolean(enterpriseId),
+  })
+
+  // A 404 is an answer, not a failure. The tenancy model returns one for a
+  // borrower on another bank's book, so falling back to demo data here would
+  // show exactly the row the backend refused.
+  const refused = isNotFound(error)
+  const demoEnterprise = refused ? undefined : findEnterprise(enterpriseId)
+  const e = mergeEnterprise(data, demoEnterprise)
+  const demo = !refused && (isError || !data)
+
+  if (isLoading) return <Empty text="Loading…" />
+  if (refused) return <Empty text={`No enterprise ${enterpriseId} on your book.`} />
   if (!e) return <Empty text={`No enterprise found for ${enterpriseId}.`} />
 
-  const points = forecastFor(e)
+  // Live forecast rows where we have them; the in-file generator only where the
-  const breach = breachPoint(points)
+  // backend gave us nothing, so an unreachable API degrades rather than blanks.
+  const points = data?.forecast?.length
+    ? data.forecast.map((p) => ({
+        month: p.month,
+        horizon: p.horizon,
+        p10: p.p10,
+        p50: p.p50,
+        p90: p.p90,
+        obligation: p.obligation,
+      }))
+    : forecastFor(demoEnterprise ?? e)
+  const breach = breachPoint(points as never)
   const breachRef = breach ? monthRef(new Date(`${breach.month}-01T00:00:00`)) : null
 
   return (
@@ -69,12 +168,13 @@ export function EnterpriseDetailPage() {
             <h1 className="text-[19px] font-bold text-forest">{e.name}</h1>
             <RiskBadge band={e.band} />
           </div>
-          <div className="text-[11.5px] text-slate-500">
+          <div className="text-[11.5px] text-ink-3">
-            {e.enterpriseId} · {SECTORS[e.sector].label} · {e.block} block, {e.district} district ·{' '}
+            {e.enterpriseId} · {sectorLabel(e.sector)} · {e.block} block, {e.district} district ·{' '}
             {e.vintageMonths} months on book
           </div>
         </div>
-        <div className="ml-auto flex gap-2">
+        <div className="ml-auto flex items-center gap-2">
+          {demo && <span className="pill pill-pend">Demo data</span>}
           <PrimaryBtn onClick={() => setScheduling(true)}>Schedule visit</PrimaryBtn>
           <GhostBtn onClick={() => setTab('FORECAST')}>Full forecast</GhostBtn>
         </div>
@@ -100,28 +200,77 @@ export function EnterpriseDetailPage() {
         ))}
       </div>
 
-      {tab === 'OVERVIEW' && <OverviewTab e={e} />}
+      {tab === 'OVERVIEW' && <OverviewTab e={e} score={data?.score ?? null} reasons={data?.reasons ?? []} />}
-      {tab === 'FORECAST' && <ForecastTab e={e} />}
+      {tab === 'FORECAST' && <ForecastTab e={e} live={data?.forecast ?? []} />}
-      {tab === 'DRIVERS' && <DriversTab e={e} />}
+      {tab === 'DRIVERS' && <DriversTab e={e} score={data?.score ?? null} reasons={data?.reasons ?? []} />}
-      {tab === 'LEDGER' && <LedgerTab e={e} />}
+      {tab === 'LEDGER' && <LedgerTab e={e} live={data?.ledger ?? []} />}
-      {tab === 'VISITS' && <VisitsTab e={e} />}
+      {tab === 'VISITS' && <VisitsTab e={e} live={data?.visits ?? []} />}
 
       {scheduling && <ScheduleVisitModal enterprise={e} onClose={() => setScheduling(false)} />}
     </div>
   )
 }
 
-function OverviewTab({ e }: { e: Enterprise }) {
+/** How the engine that produced a score should be described, and coloured. */
-  const score = stressScoreFor(e)
+const ENGINE_LABEL: Record<string, { text: string; pill: string; note: string }> = {
-  const reasons = reasonCodesFor(e)
+  MODEL: {
+    text: 'Model',
+    pill: 'pill-ok',
+    note: 'Gradient-boosted stress head. Drivers below are SHAP contributions.',
+  },
+  RULE: {
+    text: 'Rules',
+    pill: 'pill-info',
+    note: 'Sector-weighted rule engine. Drivers are each family’s weighted share.',
+  },
+  RULE_FALLBACK: {
+    text: 'Rules — model unreachable',
+    pill: 'pill-pend',
+    note: 'The run was configured for the model; the inference service could not be reached, so this score is rule-derived.',
+  },
+}
+
+function OverviewTab({
+  e,
+  score,
+  reasons,
+}: {
+  e: Enterprise
+  score: StressScoreRow | null
+  reasons: ReasonCodeRow[]
+}) {
+  const engine = ENGINE_LABEL[score?.engine ?? ''] ?? {
+    text: score?.engine ?? 'Unknown',
+    pill: 'pill-mut',
+    note: 'Engine not recorded on this score.',
+  }
+
+  const families: { key: string; label: string; value: number | null }[] = [
+    { key: 'liquidity', label: 'Liquidity', value: score?.liquidity ?? null },
+    { key: 'behavioural', label: 'Repayment behaviour', value: score?.behavioural ?? null },
+    { key: 'trendVolatility', label: 'Market volatility', value: score?.trendVolatility ?? null },
+    { key: 'obligationLoad', label: 'Obligation load', value: score?.obligationLoad ?? null },
+    { key: 'externalShock', label: 'External shock', value: score?.externalShock ?? null },
+  ]
+
   return (
     <div className="grid gap-4 lg:grid-cols-3">
-      <Card title="Composite Stress Score" badge={score.modelVersion}>
+      <Card title="Composite Stress Score" badge={score ? `run ${score.runId ?? '—'}` : 'not scored'}>
         <div className="p-4 grid place-items-center">
-          <ScoreDial score={e.score} band={e.band} size={132} />
+          <ScoreDial score={score?.score ?? e.score} band={(score?.band ?? e.band) as never} size={132} />
+
+          {/* The engine is stated on the face of the score, not in a tooltip. A
+              number produced by a fallback must not look like one produced by
+              the model it was configured to use. */}
+          <div className="flex items-center gap-2 mt-3">
+            <span className={`pill ${engine.pill}`}>{engine.text}</span>
+            {score && <span className="pill pill-mut">{score.confidence}% confidence</span>}
+          </div>
+          <p className="text-[10.5px] text-ink-3 text-center leading-snug mt-2">{engine.note}</p>
+
           <div className="mt-3 w-full">
-            <Sparkline values={e.trend} band={e.band} width={240} height={44} />
+            <Sparkline values={e.trend} band={(score?.band ?? e.band) as never} width={240} height={44} />
-            <div className="text-[10px] text-slate-400 text-center mt-1">6-month score history</div>
+            <div className="text-[10px] text-ink-3 text-center mt-1">6-month score history</div>
           </div>
         </div>
       </Card>
@@ -131,28 +280,64 @@ function OverviewTab({ e }: { e: Enterprise }) {
           {[
             ['Loan outstanding', inr(e.loanOutstanding)],
             ['Monthly instalment', inr(e.monthlyInstalment)],
-            ['Sector pack', SECTORS[e.sector].label],
+            ['Sector pack', sectorLabel(e.sector)],
             ['Block / district', `${e.block} / ${e.district}`],
             ['Owners on record', String(e.ownerCount)],
             ['Vintage', `${e.vintageMonths} months`],
+            ['Last scored', score?.computedAt ? score.computedAt.slice(0, 16).replace('T', ' ') : '—'],
           ].map(([k, v]) => (
             <div key={k} className="flex justify-between gap-3">
-              <dt className="text-slate-500">{k}</dt>
+              <dt className="text-ink-3">{k}</dt>
-              <dd className="font-semibold text-slate-700">{v}</dd>
+              <dd className="font-semibold text-ink num">{v}</dd>
             </div>
           ))}
         </dl>
+
+        <div className="px-4 pb-4">
+          <div className="text-[10px] uppercase tracking-[0.07em] text-ink-3 font-bold mb-2">
+            Five risk families
+          </div>
+          <div className="space-y-1.5">
+            {families.map((f) => (
+              <div key={f.key} className="flex items-center gap-2">
+                <span className="text-[11px] text-ink-2 w-[124px] shrink-0">{f.label}</span>
+                <span className="flex-1 h-[6px] rounded-full bg-surface-3 overflow-hidden">
+                  <span
+                    className={`block h-full rounded-full ${
+                      (f.value ?? 0) >= 65 ? 'bg-risk-red' : (f.value ?? 0) >= 35 ? 'bg-amber' : 'bg-green'
+                    }`}
+                    style={{ width: `${Math.min(100, f.value ?? 0)}%` }}
+                  />
+                </span>
+                <span className="font-mono text-[10.5px] text-ink-3 w-7 text-right">
+                  {f.value ?? '—'}
+                </span>
+              </div>
+            ))}
+          </div>
+        </div>
       </Card>
 
-      <Card title="Why this score" badge="SHAP">
+      <Card
+        title="Why this score"
+        badge={score?.engine === 'MODEL' ? 'SHAP' : 'rule weights'}
+        actions={<span className="text-[10.5px] text-ink-3">Top drivers, ranked</span>}
+      >
         <div className="p-4 space-y-3">
-          {reasons.map((r) => (
+          {reasons.length === 0 && <Empty text="No reason codes stored for this enterprise." />}
-            <div key={r.driver} className="border-l-[3px] border-amber pl-2.5">
+          {reasons.slice(0, 5).map((r) => (
-              <div className="text-[11px] font-semibold text-slate-700">
+            <div key={r.id} className="flex gap-2.5">
-                {r.driver} <span className="font-mono text-slate-400">· {r.weight}</span>
+              <span className="w-6 h-6 rounded-[7px] bg-lp-blue-soft text-lp-blue grid place-items-center text-[10.5px] font-bold shrink-0">
+                {r.rank}
+              </span>
+              <div className="min-w-0">
+                <div className="flex items-center gap-2">
+                  <span className="text-[11.5px] font-semibold text-ink">{r.driverHi || r.driver}</span>
+                  <span className="font-mono text-[10px] text-ink-3">+{r.weight}</span>
+                </div>
+                <p className="text-[11.5px] text-ink-2 leading-snug">{r.sentenceEn}</p>
+                <p className="text-[11px] text-ink-3 leading-snug">{r.sentenceHi}</p>
               </div>
-              <p className="text-[11.5px] text-slate-600 leading-snug">{r.sentenceEn}</p>
-              <p className="text-[11px] text-slate-400 leading-snug">{r.sentenceHi}</p>
             </div>
           ))}
         </div>
@@ -161,11 +346,29 @@ function OverviewTab({ e }: { e: Enterprise }) {
   )
 }
 
-function ForecastTab({ e }: { e: Enterprise }) {
+function ForecastTab({ e, live }: { e: Enterprise; live: ForecastPointRow[] }) {
-  const points = forecastFor(e)
+  // Live rows carry the engine that produced them; the in-file generator does
+  // not, so the badge can always say which one the reader is looking at.
+  const engine = live.length ? live[0].engine : null
+  const points = live.length
+    ? live.map((p) => ({
+        month: p.month,
+        label: monthRef(new Date(`${p.month}-01T00:00:00`)).label,
+        labelHi: monthRef(new Date(`${p.month}-01T00:00:00`)).labelHi,
+        p10: p.p10,
+        p50: p.p50,
+        p90: p.p90,
+        obligation: p.obligation,
+      }))
+    : forecastFor(e)
   return (
     <div className="grid gap-4 lg:grid-cols-3">
-      <Card title="Net cash position — 6-month quantile forecast" className="lg:col-span-2">
+      <Card
+        title="Net cash position — 6-month quantile forecast"
+        badge={engine ? engine.toLowerCase() : "demo"}
+        actions={<span className="text-[10.5px] text-ink-3">Missing inputs widen the band; they never lower its centre.</span>}
+        className="lg:col-span-2"
+      >
         <div className="p-4">
           <ForecastFan points={points} height={280} />
         </div>
@@ -207,14 +410,47 @@ function ForecastTab({ e }: { e: Enterprise }) {
   )
 }
 
-function DriversTab({ e }: { e: Enterprise }) {
+function DriversTab({
-  const sub = subScoresFor(e)
+  e,
+  score,
+  reasons,
+}: {
+  e: Enterprise
+  score: StressScoreRow | null
+  reasons: ReasonCodeRow[]
+}) {
+  // The five families as the run stored them. Only where the backend gave us
+  // nothing do we fall back to the in-browser approximation — and the badge says
+  // which of the two you are looking at.
+  const live = score != null
+  const sub = live
+    ? {
+        liquidity: score.liquidity ?? 0,
+        behavioural: score.behavioural ?? 0,
+        trendVolatility: score.trendVolatility ?? 0,
+        obligationLoad: score.obligationLoad ?? 0,
+        externalShock: score.externalShock ?? 0,
+      }
+    : subScoresFor(e)
+
   const wires = tripWiresFor(e)
+  const isModel = score?.engine === 'MODEL'
+
   return (
     <div className="grid gap-4 lg:grid-cols-2">
-      <Card title="Five risk families" badge={`${SECTORS[e.sector].label} weights`}>
+      <Card
+        title="Five risk families"
+        badge={live ? (isModel ? 'SHAP · run ' + (score?.runId ?? '—') : 'rule weights') : 'demo'}
+        actions={
+          <span className="text-[10.5px] text-ink-3">
+            {isModel
+              ? 'Contribution to the model’s score'
+              : 'Each family’s weighted share of the composite'}
+          </span>
+        }
+      >
         <div className="p-4">
-          <SubScoreRadar sub={sub} band={e.band} />
+          <SubScoreRadar sub={sub as never} band={(score?.band ?? e.band) as never} />
           <div className="space-y-2 mt-4">
             {DRIVER_META.map((d) => (
               <DriverBar key={d.key} label={d.label} weight={sub[d.key]} />
@@ -223,7 +459,38 @@ function DriversTab({ e }: { e: Enterprise }) {
         </div>
       </Card>
 
-      <Card title="Deterministic trip-wires" badge="rule engine">
+      <Card title="Reason codes" badge={isModel ? 'SHAP sentences' : 'rule sentences'}>
+        <div className="p-4 space-y-3">
+          {reasons.length === 0 && <Empty text="No reason codes stored for this enterprise." />}
+          {reasons.map((r) => (
+            <div key={r.id} className="flex items-start gap-2.5">
+              <span className="w-6 h-6 rounded-[7px] bg-lp-blue-soft text-lp-blue grid place-items-center text-[10.5px] font-bold shrink-0">
+                {r.rank}
+              </span>
+              <div className="min-w-0 flex-1">
+                <div className="flex items-center gap-2">
+                  <span className="text-[11.5px] font-semibold text-ink capitalize">{r.driver}</span>
+                  <span className="flex-1 h-[6px] rounded-full bg-surface-3 overflow-hidden">
+                    <span
+                      className="block h-full rounded-full bg-lp-blue"
+                      style={{ width: `${Math.min(100, r.weight)}%` }}
+                    />
+                  </span>
+                  <span className="font-mono text-[10.5px] text-ink-3 w-7 text-right">+{r.weight}</span>
+                </div>
+                <p className="text-[11.5px] text-ink-2 leading-snug mt-0.5">{r.sentenceEn}</p>
+                <p className="text-[11px] text-ink-3 leading-snug">{r.sentenceHi}</p>
+              </div>
+            </div>
+          ))}
+        </div>
+        <p className="px-4 py-2 text-[10.5px] text-ink-3 border-t border-line leading-snug">
+          Sentences are rendered once and stored, so the wording an officer acted on survives a later
+          change to the templates.
+        </p>
+      </Card>
+
+      <Card title="Deterministic trip-wires" badge="rule engine" className="lg:col-span-2">
         <div className="overflow-x-auto">
           <table className="ul-table">
             <thead>
@@ -259,8 +526,11 @@ function DriversTab({ e }: { e: Enterprise }) {
   )
 }
 
-function LedgerTab({ e }: { e: Enterprise }) {
+function LedgerTab({ e, live }: { e: Enterprise; live: LedgerEntry[] }) {
-  const entries = loadLedger(e.enterpriseId).slice(0, 40)
+  // Server entries first — the payload carries this borrower's last sixty,
+  // tenant-checked. loadLedger reads whatever this browser happens to hold from
+  // the PWA demo, which is this device's data, not the enterprise's.
+  const entries = (live.length ? live : loadLedger(e.enterpriseId)).slice(0, 40)
   const label = (kind: string, code: string) =>
     CATEGORIES[kind as keyof typeof CATEGORIES]?.find((c) => c.code === code)?.en ?? code
 
@@ -301,8 +571,10 @@ function LedgerTab({ e }: { e: Enterprise }) {
   )
 }
 
-function VisitsTab({ e }: { e: Enterprise }) {
+function VisitsTab({ e, live }: { e: Enterprise; live: FieldVisit[] }) {
-  const { visits } = useVisits('ALL', officerSession()?.fullName ?? 'Field Officer')
+  // The detail payload already carries this enterprise's visits, tenant-checked
+  // on the way out. Locally scheduled ones merge over them.
+  const { visits } = useVisits('ALL', officerSession()?.fullName ?? 'Field Officer', live)
   const mine = visits.filter((v) => v.enterpriseId === e.enterpriseId)
 
   return (

src/features/officer/EnterprisesPage.tsx

@@ -4,8 +4,9 @@ import { useNavigate } from 'react-router-dom'
 import { get } from '../../lib/api'
 import type { Band, Enterprise, Sector } from '../../lib/api'
 import { ActionChip, Empty, GhostBtn, RiskBadge, Sparkline, inputCls } from '../../components/ui/bits'
+import { Unavailable } from '../../components/ui/bits'
 import { SECTORS, SECTOR_LIST } from '../../lib/demo/enterprises'
-import { scopedEnterprises } from '../../lib/demo/ops'
+
 import { inrCompact } from '../../lib/demo/seed'
 import { exportCsv } from '../../lib/csv'
 import { useScope } from './officerScope'
@@ -25,12 +26,15 @@ export function EnterprisesPage() {
   const [band, setBand] = useState<Band | 'ALL'>('ALL')
   const [sector, setSector] = useState<Sector | 'ALL'>('ALL')
 
-  const { data } = useQuery({
+  const { data, isError, refetch } = useQuery({
     queryKey: ['enterprises', block],
     queryFn: () => get<Enterprise[]>('/officer/enterprises', { block }),
   })
 
-  const all = data ?? scopedEnterprises(block)
+  // No fallback: the demo portfolio has no owner, so it cannot be shown to a
+  // specific bank. An unreachable server is stated, not substituted.
+  // Memoised so the derivations below do not recompute on every render.
+  const all = useMemo(() => data ?? [], [data])
 
   const rows = useMemo(() => {
     const needle = q.trim().toLowerCase()
@@ -61,6 +65,8 @@ export function EnterprisesPage() {
     )
   }
 
+  if (isError || !data) return <Unavailable what="Enterprise register" onRetry={() => void refetch()} />
+
   return (
     <div>
       <div className="flex flex-wrap items-center gap-2 mb-3">

src/features/officer/ForecastsPage.tsx

@@ -1,4 +1,5 @@
-import { Card, KpiTile } from '../../components/ui/bits'
+import { Card, Empty, KpiTile, Unavailable } from '../../components/ui/bits'
+import { useTenantEnterprises } from './useTenantData'
 import { ForecastFan } from '../../components/charts/ForecastFan'
 import { BandMigrationBar } from '../../components/charts/BandMigrationBar'
 import { bandMigration, portfolioForecast, sectorRollup } from '../../lib/demo/ops'
@@ -12,9 +13,15 @@ import { useScope } from './officerScope'
  */
 export function ForecastsPage() {
   const { block } = useScope()
-  const aggregate = portfolioForecast(block)
+  // Aggregates are computed over this bank's own borrowers. They used to be
-  const sectors = sectorRollup(block)
+  // derived from the unscoped demo book, so a portfolio chart mixed every bank.
-  const migration = bandMigration(block)
+  const { rows: book, unavailable, retry } = useTenantEnterprises(block)
+  const aggregate = portfolioForecast(block, book)
+  const sectors = sectorRollup(block, book)
+  const migration = bandMigration(block, book)
+
+  if (unavailable) return <Unavailable what="Portfolio forecast" onRetry={retry} />
+  if (!aggregate.length) return <Empty text="No forecast rows for this scope yet." />
 
   const worst = aggregate.reduce((a, p) => (p.p10 - p.obligation < a.p10 - a.obligation ? p : a), aggregate[0])
   const covered = aggregate.filter((p) => p.p10 >= p.obligation).length

src/features/officer/IntegrationPage.tsx

@@ -210,10 +210,12 @@ export function IntegrationPage() {
         <p className="text-[11px] text-slate-700 leading-relaxed">
           <b>What is real and what is not.</b> The file-drop adapter reads an actual extract from a
           directory a bank delivers to, and its rows are validated, staged and written like any other.
-          The Finacle, FLEXCUBE, BaNCS and in-house-LMS adapters are <b>simulated</b>: they generate an
+          The CBSNexora adapter is <b>simulated</b>: no CBSNexora instance feeds this deployment, so it
-          extract in each core's own column dialect so the mapping layer can be exercised end to end.
+          generates an extract in that platform's own field names to exercise the mapping layer end to
-          A live link to any of them is agreed per bank during onboarding — the schema conversation is
+          end. Where a lender runs a different core, no product is named here — the per-profile mapping
-          the work, and this screen is what that conversation configures.
+          absorbs their column names, which is precisely why the platform never needs to know. A live
+          link is agreed per bank during onboarding; the schema conversation is the work, and this
+          screen is what that conversation configures.
         </p>
       </div>
 

src/features/officer/OfficerDashboard.tsx

@@ -1,248 +1,391 @@
 import { useMemo, useState } from 'react'
 import { useQuery } from '@tanstack/react-query'
 import { useNavigate } from 'react-router-dom'
+import { CalendarClock, CloudRain, Database, Siren, TrendingDown } from 'lucide-react'
 import { get } from '../../lib/api'
-import type { Enterprise, PortfolioSummary } from '../../lib/api'
+import type { ClimateSignal, Enterprise, MarketSignal, PortfolioSummary } from '../../lib/api'
-import {
+import { Unavailable } from '../../components/ui/bits'
-  DriverBar,
+import { SECTORS } from '../../lib/demo/enterprises'
-  GhostBtn,
+import { demoClimateSignals, demoMarketSignals } from '../../lib/demo/feeds'
-  KpiTile,
+import { monthRef } from '../../lib/demo/seed'
-  PrimaryBtn,
-  RiskBadge,
-  ScoreDial,
-  Sparkline,
-} from '../../components/ui/bits'
-import {
-  DRIVER_META,
-  SECTORS,
-  breachPoint,
-  forecastFor,
-  reasonCodesFor,
-  subScoresFor,
-} from '../../lib/demo/enterprises'
-import { portfolioSummary } from '../../lib/demo/ops'
-import { inr, monthRef } from '../../lib/demo/seed'
 import { exportCsv } from '../../lib/csv'
 import { useScope } from './officerScope'
 import { ScheduleVisitModal } from './ScheduleVisitModal'
+import { DashboardTabs } from './DashboardTabs'
 
 /**
- * The console's home screen and the deck's headline wireframe: KPI tiles, the
+ * The officer's morning screen, organised by **when trouble arrives**.
- * "Enterprises by risk" register, and a risk detail panel that explains the
+ *
- * selected enterprise in the officer's own language.
+ * <p>The previous version ranked by score: five tiles counting bands, then forty
+ * rows sorted by composite score. That is what a bureau score already shows. The
+ * thing this platform can do that a bureau cannot is say <em>when</em> — trouble
+ * four months out, while intervention is still cheap — and nothing on that screen
+ * expressed time at all.
+ *
+ * <p>So the primary axis here is the horizon at which the downside case first
+ * fails to cover the instalment. The triage strip is a funnel, the chart draws
+ * the intervention window, and the list is a day's work rather than a register.
+ * The full register still lives at <code>/officer/enterprises</code>; this screen
+ * deliberately does not duplicate it.
+ *
+ * <p>The old layout is kept at <code>/officer/classic</code> — it is verified and
+ * this one is new, and on a demo day that switch is worth having.
  */
+
+type Bucket = 'NOW' | 'WINDOW' | 'LATER' | 'CLEAR'
+
+const BUCKETS: { key: Bucket; label: string; caption: string; tone: string }[] = [
+  { key: 'NOW', label: 'Act now', caption: 'breaching this month', tone: 'gf-now' },
+  { key: 'WINDOW', label: 'Month 2–4', caption: 'the window that matters', tone: 'gf-window' },
+  { key: 'LATER', label: 'Month 5–6', caption: 'on the horizon', tone: 'gf-watch' },
+  { key: 'CLEAR', label: 'Downside covered', caption: 'no breach forecast', tone: 'gf-clear' },
+]
+
+/**
+ * Which bucket a borrower falls in — **on breach horizon alone**.
+ *
+ * <p>Deliberately one dimension. An earlier version mixed band into the last two
+ * segments, which put every WATCH-band borrower with no forecast breach into
+ * "Watching" and left "Healthy" reading zero — a funnel that bulged in the middle
+ * and looked broken.
+ *
+ * <p>Horizon also has to win over score on its own merits. A STANDARD-band
+ * enterprise whose downside stops covering the instalment in four months is the
+ * entire point of this product; ranking by current score would bury it under
+ * borrowers already in arrears, who are already known to everyone.
+ */
+function bucketOf(e: Enterprise): Bucket {
+  const h = e.firstBreachHorizon
+  if (h == null) return 'CLEAR'
+  if (h <= 1) return 'NOW'
+  if (h <= 4) return 'WINDOW'
+  return 'LATER'
+}
+
 export function OfficerDashboard() {
   const navigate = useNavigate()
   const { block, month } = useScope()
-  const [selectedId, setSelectedId] = useState<string | null>(null)
+  const [filter, setFilter] = useState<Bucket | 'ALL'>('ALL')
   const [scheduling, setScheduling] = useState<Enterprise | null>(null)
 
-  const { data } = useQuery({
+  const { data, isError, refetch } = useQuery({
     queryKey: ['portfolio', block, month],
     queryFn: () => get<PortfolioSummary>('/officer/portfolio', { block, month }),
   })
 
-  // Demo fallback: with the backend down, the screen still shows the full book.
+  // No demo fallback: the demo portfolio carries no owner, so substituting it
-  const summary = data ?? portfolioSummary(block, month)
+  // would show this bank every other bank's borrowers.
-  const rows = summary.rows
+  const rows = useMemo(() => data?.rows ?? [], [data])
 
-  const selected = useMemo(
+  const counts = useMemo(() => {
-    () => rows.find((e) => e.enterpriseId === selectedId) ?? rows[0],
+    const c: Record<Bucket, number> = { NOW: 0, WINDOW: 0, LATER: 0, CLEAR: 0 }
-    [rows, selectedId],
+    rows.forEach((e) => { c[bucketOf(e)] += 1 })
-  )
+    return c
+  }, [rows])
 
-  function handleExport() {
+  // How many borrowers first breach at each horizon — the intervention window, drawn.
-    exportCsv(
+  const horizon = useMemo(() => {
-      `udyamlinc-portfolio-${block}-${month}.csv`,
+    const h = [0, 0, 0, 0, 0, 0]
-      ['Enterprise ID', 'Name', 'Sector', 'Block', 'Score', 'Band', 'Loan outstanding', 'Instalment'],
+    rows.forEach((e) => {
-      rows.map((e) => [
+      const n = e.firstBreachHorizon
-        e.enterpriseId,
+      if (n != null && n >= 1 && n <= 6) h[n - 1] += 1
-        e.name,
+    })
-        SECTORS[e.sector].label,
+    return h
-        e.block,
+  }, [rows])
-        e.score,
+
-        e.band,
+  // The day's work: soonest breach first, then worst score. Capped, because an
-        e.loanOutstanding,
+  // officer visits nine borrowers a week and a list of forty is a list of none.
-        e.monthlyInstalment,
+  const worklist = useMemo(() => {
-      ]),
+    const pool = filter === 'ALL'
-    )
+      ? rows.filter((e) => bucketOf(e) !== 'CLEAR')
-  }
+      : rows.filter((e) => bucketOf(e) === filter)
+    return [...pool]
+      .sort((a, b) =>
+        (a.firstBreachHorizon ?? 99) - (b.firstBreachHorizon ?? 99) || b.score - a.score)
+      .slice(0, 9)
+  }, [rows, filter])
+
+  if (isError || !data) return <Unavailable what="Portfolio" onRetry={() => void refetch()} />
+
+  const maxH = Math.max(1, ...horizon)
 
   return (
     <div>
-      {/* ── KPI tiles ─────────────────────────────────────── */}
+      <DashboardTabs />
-      <div className="flex flex-wrap gap-3 mb-4">
+      <div className="gf">
-        <KpiTile
+      {/* ── triage funnel ─────────────────────────────────────
-          label="Total enterprises"
+          One strip, four segments, urgency decreasing left to right. A row of
-          value={summary.total}
+          separate tiles counting bands reads as a census; this reads as a queue. */}
-          delta={`${summary.totalDelta >= 0 ? '+' : ''}${summary.totalDelta} this month`}
+      <div className="gf-triage">
-        />
+        {BUCKETS.map((b) => {
-        <KpiTile
+          const active = filter === b.key
-          label="High risk"
+          return (
-          value={summary.red}
+            <button
-          delta={`${summary.redDelta >= 0 ? '+' : ''}${summary.redDelta} since last week`}
+              key={b.key}
-          tone="red"
+              onClick={() => setFilter(active ? 'ALL' : b.key)}
-        />
+              className={`gf-seg ${b.tone} ${active ? 'is-on' : ''}`}
-        <KpiTile
+            >
-          label="Watch"
+              <span className="gf-seg-label">{b.label}</span>
-          value={summary.watch}
+              <span className="gf-seg-val num">{counts[b.key]}</span>
-          delta={`${summary.watchDelta >= 0 ? '+' : ''}${summary.watchDelta} since last week`}
+              <span className="gf-seg-cap">{b.caption}</span>
-          tone="watch"
+            </button>
-        />
+          )
-        <KpiTile
+        })}
-          label="Standard"
-          value={summary.standard}
-          delta={summary.standardDelta === 0 ? 'stable' : `${summary.standardDelta > 0 ? '+' : ''}${summary.standardDelta} since last week`}
-          tone="good"
-        />
       </div>
 
-      <div className="flex gap-4 items-start flex-col xl:flex-row">
+      <div className="gf-row2">
-        {/* ── enterprises by risk ─────────────────────────── */}
+        {/* ── lead-time chart ───────────────────────────────── */}
-        <div className="flex-1 min-w-0 bg-white border border-slate-200 rounded-[11px] overflow-hidden">
+        <section className="gf-card">
-          <div className="px-4 py-2.5 border-b border-slate-200 flex items-center">
+          <header className="gf-head">
-            <h3 className="text-[12.5px] font-bold text-forest">Enterprises by risk</h3>
+            <h2>When the book breaches</h2>
-            <span className="text-[10px] text-slate-400 ml-2">updated {summary.updatedMinutesAgo} minutes ago</span>
+            <span>Borrowers whose downside first misses the instalment, by month</span>
-            <GhostBtn className="ml-auto" onClick={handleExport}>
+          </header>
-              Export CSV
+          <div className="gf-bars">
-            </GhostBtn>
+            {horizon.map((n, i) => {
+              const m = monthRef(new Date(new Date().getFullYear(), new Date().getMonth() + i + 1, 1))
+              const inWindow = i >= 1 && i <= 3
+              return (
+                <div key={m.key} className="gf-bar">
+                  <span className="gf-bar-n num">{n || ''}</span>
+                  <span className="gf-bar-track">
+                    <span
+                      className={`gf-bar-fill ${i === 0 ? 'is-now' : inWindow ? 'is-window' : ''}`}
+                      style={{ height: n === 0 ? "3px" : `${Math.max(14, (n / maxH) * 100)}%` }}
+                    />
+                  </span>
+                  <span className="gf-bar-x">{m.label}</span>
+                </div>
+              )
+            })}
           </div>
+          <p className="gf-note">
+            <TrendingDown size={13} />
+            The middle months are where a visit still changes the outcome. {counts.WINDOW} borrowers
+            sit there now — none of them has missed a payment yet.
+          </p>
+        </section>
 
-          <div className="overflow-x-auto max-h-[560px] overflow-y-auto">
+        {/* ── context ───────────────────────────────────────── */}
-            <table className="ul-table">
+        <div className="gf-side">
-              <thead className="sticky top-0 z-10">
+          <FreshnessCard />
-                <tr>
+          <MarketCard />
-                  <th>Enterprise</th>
+          <EngineCard scored={rows.length} />
-                  <th>Sector</th>
-                  <th>Block</th>
-                  <th className="text-right">Score</th>
-                  <th>Status</th>
-                  <th>6-month trend</th>
-                  <th />
-                </tr>
-              </thead>
-              <tbody>
-                {rows.slice(0, 40).map((e) => (
-                  <tr
-                    key={e.enterpriseId}
-                    onClick={() => setSelectedId(e.enterpriseId)}
-                    className={`cursor-pointer ${e.enterpriseId === selected?.enterpriseId ? '!bg-green-soft' : ''}`}
-                  >
-                    <td>
-                      <div className="flex items-center gap-2.5">
-                        <span
-                          className={`w-6 h-6 rounded-full grid place-items-center text-[10px] font-bold ${
-                            e.band === 'RED' ? 'band-red' : e.band === 'WATCH' ? 'band-watch' : 'band-standard'
-                          }`}
-                        >
-                          {e.name[0]}
-                        </span>
-                        <span className="leading-tight">
-                          <span className="block font-semibold text-slate-700">{e.name}</span>
-                          <span className="block font-mono text-[10px] text-slate-400">{e.enterpriseId}</span>
-                        </span>
-                      </div>
-                    </td>
-                    <td className="text-slate-600">{SECTORS[e.sector].short}</td>
-                    <td className="text-slate-600">{e.block}</td>
-                    <td
-                      className={`text-right font-bold ${
-                        e.band === 'RED' ? 'text-risk-red' : e.band === 'WATCH' ? 'text-amber' : 'text-green'
-                      }`}
-                    >
-                      {e.score}
-                    </td>
-                    <td>
-                      <RiskBadge band={e.band} />
-                    </td>
-                    <td>
-                      <Sparkline values={e.trend} band={e.band} />
-                    </td>
-                    <td className="text-right">
-                      <button
-                        onClick={(ev) => {
-                          ev.stopPropagation()
-                          navigate(`/officer/enterprises/${e.enterpriseId}`)
-                        }}
-                        className="text-slate-400 hover:text-forest px-1"
-                        aria-label={`Open ${e.name}`}
-                      >
-                        ⋯
-                      </button>
-                    </td>
-                  </tr>
-                ))}
-              </tbody>
-            </table>
-          </div>
-
-          {rows.length > 40 && (
-            <div className="px-4 py-2 border-t border-slate-100 text-[10.5px] text-slate-400">
-              Showing the 40 highest-risk of {rows.length} — the full register is under Enterprises.
-            </div>
-          )}
         </div>
-
-        {/* ── risk detail ─────────────────────────────────── */}
-        {selected && <RiskDetail enterprise={selected} onSchedule={() => setScheduling(selected)} />}
       </div>
 
+      {/* ── the day's work ────────────────────────────────────── */}
+      <section className="gf-card">
+        <header className="gf-head">
+          <h2>Today’s list</h2>
+          <span>
+            {filter === 'ALL'
+              ? 'Soonest breach first'
+              : `Filtered · ${BUCKETS.find((b) => b.key === filter)?.label}`}
+            {' · '}{worklist.length} of {rows.length}
+          </span>
+          <button
+            className="gf-link"
+            onClick={() =>
+              exportCsv(
+                `udyam-worklist-${block}-${month}.csv`,
+                ['Enterprise', 'Sector', 'Score', 'Band', 'Breaches', 'Top driver'],
+                worklist.map((e) => [
+                  e.name, SECTORS[e.sector]?.label ?? e.sector, e.score, e.band,
+                  e.firstBreachMonth ?? 'never', e.topDriver ?? '',
+                ]),
+              )
+            }
+          >
+            Export
+          </button>
+        </header>
+
+        {worklist.length === 0 && <p className="gf-empty">Nothing outstanding in this filter.</p>}
+
+        <ul className="gf-list">
+          {worklist.map((e) => {
+            const h = e.firstBreachHorizon
+            const when = e.firstBreachMonth
+              ? monthRef(new Date(`${e.firstBreachMonth}-01T00:00:00`)).fullEn
+              : null
+            return (
+              <li key={e.enterpriseId} className="gf-item">
+                <button
+                  className="gf-item-main"
+                  onClick={() => navigate(`/officer/enterprises/${e.enterpriseId}`)}
+                >
+                  <span
+                    className={`gf-score ${
+                      e.band === 'RED' ? 'is-red' : e.band === 'WATCH' ? 'is-watch' : 'is-ok'
+                    }`}
+                  >
+                    <b className="num">{e.score}</b>
+                  </span>
+                  <span className="gf-item-body">
+                    <span className="gf-item-top">
+                      <b>{e.name}</b>
+                      <span className="gf-meta">
+                        {SECTORS[e.sector]?.short ?? e.sector} · {e.block}
+                      </span>
+                      {when ? (
+                        <span className={`gf-when ${h != null && h <= 1 ? 'is-now' : ''}`}>
+                          <CalendarClock size={12} />
+                          breaches {when}
+                        </span>
+                      ) : (
+                        <span className="gf-when is-clear">downside covered</span>
+                      )}
+                    </span>
+                    {/* The reason the model gave, in the officer's own words. */}
+                    <span className="gf-why">
+                      {e.topDriver ?? 'No reason code stored for this run.'}
+                    </span>
+                  </span>
+                </button>
+                <button className="gf-act" onClick={() => setScheduling(e)}>
+                  Schedule visit
+                </button>
+              </li>
+            )
+          })}
+        </ul>
+      </section>
+
       {scheduling && <ScheduleVisitModal enterprise={scheduling} onClose={() => setScheduling(null)} />}
+      </div>
     </div>
   )
 }
 
-/** Right-hand panel: score dial, top drivers, the reason sentence and two actions. */
+/* ------------------------------------------------------------------ */
-function RiskDetail({ enterprise, onSchedule }: { enterprise: Enterprise; onSchedule: () => void }) {
+/* Context cards — small, and each answers one question               */
-  const navigate = useNavigate()
+/* ------------------------------------------------------------------ */
-  const sub = subScoresFor(enterprise)
+
-  const reason = reasonCodesFor(enterprise)[0]
+function FreshnessCard() {
-  const points = forecastFor(enterprise)
+  const { data } = useQuery({
-  const breach = breachPoint(points)
+    queryKey: ['freshness'],
-  const breachRef = breach ? monthRef(new Date(`${breach.month}-01T00:00:00`)) : null
+    queryFn: () =>
+      get<{ districtName: string; marketStalenessDays: number | null; climateStalenessDays: number | null }[]>(
+        '/admin/ingestion/freshness',
+      ),
+  })
+  const rows = data ?? []
+  const worst = (k: 'marketStalenessDays' | 'climateStalenessDays') => {
+    const ages = rows.map((r) => r[k]).filter((n): n is number => n != null)
+    return ages.length ? Math.max(...ages) : null
+  }
+  const mandi = worst('marketStalenessDays')
+  const climate = worst('climateStalenessDays')
 
   return (
-    <div className="w-full xl:w-[320px] shrink-0 bg-white border border-slate-200 rounded-[11px] overflow-hidden">
+    <section className="gf-card gf-mini">
-      <div className="px-4 py-2.5 border-b border-slate-200">
+      <header className="gf-head">
-        <h3 className="text-[12.5px] font-bold text-forest">Risk detail</h3>
+        <h2><Database size={13} /> Data freshness</h2>
-        <div className="text-[10.5px] text-slate-500">
+      </header>
-          {enterprise.name} · {enterprise.enterpriseId}
+      <dl className="gf-kv">
+        <div>
+          <dt>Mandi prices</dt>
+          <dd className={mandi != null && mandi > 10 ? 'is-stale' : ''}>{mandi ?? '—'}d old</dd>
         </div>
-      </div>
+        <div>
-
+          <dt>Climate</dt>
-      <div className="p-4">
+          <dd className={climate != null && climate > 10 ? 'is-stale' : ''}>{climate ?? '—'}d old</dd>
-        <div className="grid place-items-center mb-4">
-          <ScoreDial score={enterprise.score} band={enterprise.band} size={116} />
         </div>
+        <div><dt>Districts</dt><dd>{rows.length}</dd></div>
+      </dl>
+      <p className="gf-note gf-note-sm">A trip-wire refuses to fire on data older than its tolerance.</p>
+    </section>
+  )
+}
 
-        <div className="font-mono text-[9.5px] tracking-[0.12em] text-slate-400 mb-2">TOP DRIVERS</div>
+function MarketCard() {
-        <div className="space-y-2 mb-4">
+  const marketQ = useQuery({
-          {DRIVER_META.map((d) => (
+    queryKey: ['market-signals'],
-            <DriverBar key={d.key} label={d.label} weight={sub[d.key]} />
+    queryFn: () => get<MarketSignal[]>('/admin/ingestion/signals/market', { weeks: 8 }),
-          ))}
+  })
-        </div>
+  const climateQ = useQuery({
+    queryKey: ['climate-signals'],
+    queryFn: () => get<ClimateSignal[]>('/admin/ingestion/signals/climate', { weeks: 8 }),
+  })
+  const market = marketQ.data ?? demoMarketSignals()
+  const climate = climateQ.data ?? demoClimateSignals()
 
-        <div className="bg-risk-soft border border-risk-red/15 rounded-lg px-3 py-2.5 mb-4">
+  const latest = new Map<string, MarketSignal>()
-          <p className="text-[11.5px] text-slate-700 leading-relaxed">
+  for (const r of market) {
-            {reason.sentenceEn}
+    const held = latest.get(r.commodityName)
-            {breachRef && ` Shortfall expected by ${breachRef.fullEn}.`}
+    if (!held || r.weekStart > held.weekStart) latest.set(r.commodityName, r)
-          </p>
+  }
-          {breach && (
+  const movers = Array.from(latest.values())
-            <p className="text-[10.5px] text-risk-red font-semibold mt-1.5">
+    .map((m) => {
-              Projected gap {inr(breach.obligation - breach.p10)} at P10
+      const hist = market
-            </p>
+        .filter((r) => r.commodityName === m.commodityName && r.weekStart < m.weekStart)
-          )}
+        .map((r) => r.modalPrice)
-        </div>
+        .filter((p): p is number => p != null)
+        .slice(0, 8)
+      const price = m.modalPrice ?? 0
+      const mean = hist.length ? hist.reduce((s, p) => s + p, 0) / hist.length : price
+      return { name: m.commodityName, price, pct: mean ? ((price - mean) / mean) * 100 : 0 }
+    })
+    .sort((a, b) => Math.abs(b.pct) - Math.abs(a.pct))
+    .slice(0, 2)
 
-        <div className="flex gap-2">
+  const c = climate.length ? climate.reduce((a, b) => (a.weekStart > b.weekStart ? a : b)) : null
-          <PrimaryBtn className="flex-1" onClick={onSchedule}>
+
-            Schedule visit
+  return (
-          </PrimaryBtn>
+    <section className="gf-card gf-mini">
-          <GhostBtn className="flex-1" onClick={() => navigate(`/officer/enterprises/${enterprise.enterpriseId}`)}>
+      <header className="gf-head">
-            Full forecast
+        <h2><CloudRain size={13} /> Market &amp; climate</h2>
-          </GhostBtn>
+      </header>
-        </div>
+      <dl className="gf-kv">
-      </div>
+        {c && (
-    </div>
+          <div>
+            <dt>Rain vs normal</dt>
+            <dd className={Math.abs(c.rainfallAnomalyPct ?? 0) > 25 ? 'is-stale' : ''}>
+              {(c.rainfallAnomalyPct ?? 0) > 0 ? '+' : ''}
+              {Math.round(c.rainfallAnomalyPct ?? 0)}%
+            </dd>
+          </div>
+        )}
+        {movers.map((m) => (
+          <div key={m.name}>
+            <dt>{m.name.toLowerCase()}</dt>
+            <dd className={Math.abs(m.pct) > 12 ? 'is-stale' : ''}>
+              ₹{Math.round(m.price).toLocaleString('en-IN')}
+              <small>{m.pct > 0 ? ' +' : ' '}{m.pct.toFixed(0)}%</small>
+            </dd>
+          </div>
+        ))}
+      </dl>
+    </section>
+  )
+}
+
+function EngineCard({ scored }: { scored: number }) {
+  const { data } = useQuery({
+    queryKey: ['model-metrics'],
+    queryFn: () =>
+      get<{ available: boolean; modelVersion?: string; arms?: Record<string, { baseline: boolean; auc_roc?: number }> }>(
+        '/admin/model/metrics',
+      ),
+  })
+  const auc = data?.arms
+    ? Object.entries(data.arms)
+        .filter(([, a]) => !a.baseline)
+        .map(([, a]) => a.auc_roc ?? 0)
+        .sort((a, b) => b - a)[0]
+    : undefined
+
+  return (
+    <section className="gf-card gf-mini">
+      <header className="gf-head">
+        <h2><Siren size={13} /> Scoring engine</h2>
+      </header>
+      <dl className="gf-kv">
+        <div><dt>Engine</dt><dd className="is-live">{data?.modelVersion ?? 'model'}</dd></div>
+        <div><dt>Scored</dt><dd>{scored}</dd></div>
+        <div><dt>Measured AUC</dt><dd>{auc ? auc.toFixed(3) : '—'}</dd></div>
+      </dl>
+      <p className="gf-note gf-note-sm">Labels are generated history — calibration pending.</p>
+    </section>
   )
 }

src/features/officer/OfficerDashboardClassic.tsx

@@ -0,0 +1,519 @@
+import { useMemo, useState } from 'react'
+import { useQuery } from '@tanstack/react-query'
+import { useNavigate } from 'react-router-dom'
+import { AlertTriangle, Clock, Info } from 'lucide-react'
+import { enterpriseDetail, get } from '../../lib/api'
+import type { ClimateSignal, Enterprise, MarketSignal, PortfolioSummary } from '../../lib/api'
+import {
+  AlertBox,
+  Card,
+  DriverBar,
+  Empty,
+  GhostBtn,
+  KpiTile,
+  PrimaryBtn,
+  RiskBadge,
+  ScoreDial,
+  Sparkline,
+  Unavailable,
+} from '../../components/ui/bits'
+import {
+  DRIVER_META,
+  SECTORS,
+  breachPoint,
+  forecastFor,
+} from '../../lib/demo/enterprises'
+import { useTenantAlerts, useTenantVisits } from './useTenantData'
+import type { ReasonCodeRow, StressScoreRow } from '../../lib/api'
+import { demoClimateSignals, demoMarketSignals } from '../../lib/demo/feeds'
+import { inr, monthRef } from '../../lib/demo/seed'
+import { exportCsv } from '../../lib/csv'
+import { useScope } from './officerScope'
+import { ScheduleVisitModal } from './ScheduleVisitModal'
+import { DashboardTabs } from './DashboardTabs'
+
+/**
+ * The console's home screen and the deck's headline wireframe: KPI tiles, the
+ * "Enterprises by risk" register, and a risk detail panel that explains the
+ * selected enterprise in the officer's own language.
+ */
+export function OfficerDashboardClassic() {
+  const navigate = useNavigate()
+  const { block, month } = useScope()
+  const [selectedId, setSelectedId] = useState<string | null>(null)
+  const [scheduling, setScheduling] = useState<Enterprise | null>(null)
+
+  const { data, isError, refetch } = useQuery({
+    queryKey: ['portfolio', block, month],
+    queryFn: () => get<PortfolioSummary>('/officer/portfolio', { block, month }),
+  })
+
+  // No demo fallback. The demo portfolio has no owner on it, so substituting it
+  // here would show this bank every other bank's borrowers.
+  const summary = data
+  // Memoised on the query result rather than on a fresh array literal, so the
+  // selection below does not recompute on every render.
+  const rows = useMemo(() => summary?.rows ?? [], [summary])
+
+  const selected = useMemo(
+    () => rows.find((e) => e.enterpriseId === selectedId) ?? rows[0],
+    [rows, selectedId],
+  )
+
+  const detailQ = useQuery({
+    queryKey: ["enterprise-detail", selected?.enterpriseId],
+    queryFn: () => enterpriseDetail(selected!.enterpriseId),
+    enabled: Boolean(selected?.enterpriseId),
+  })
+
+  function handleExport() {
+    exportCsv(
+      `udyamlinc-portfolio-${block}-${month}.csv`,
+      ['Enterprise ID', 'Name', 'Sector', 'Block', 'Score', 'Band', 'Loan outstanding', 'Instalment'],
+      rows.map((e) => [
+        e.enterpriseId,
+        e.name,
+        SECTORS[e.sector]?.label ?? e.sector,
+        e.block,
+        e.score,
+        e.band,
+        e.loanOutstanding,
+        e.monthlyInstalment,
+      ]),
+    )
+  }
+
+  if (isError || !summary) {
+    return <Unavailable what="Portfolio" onRetry={() => void refetch()} />
+  }
+
+  return (
+    <div>
+      <DashboardTabs />
+      {/* ── KPI tiles ─────────────────────────────────────── */}
+      <div className="flex flex-wrap gap-3 mb-4">
+        <KpiTile
+          label="Total enterprises"
+          value={summary.total}
+          delta={`${summary.totalDelta >= 0 ? '+' : ''}${summary.totalDelta} this month`}
+        />
+        <KpiTile
+          label="High risk"
+          value={summary.red}
+          delta={`${summary.redDelta >= 0 ? '+' : ''}${summary.redDelta} since last week`}
+          tone="red"
+        />
+        <KpiTile
+          label="Watch"
+          value={summary.watch}
+          delta={`${summary.watchDelta >= 0 ? '+' : ''}${summary.watchDelta} since last week`}
+          tone="watch"
+        />
+        <KpiTile
+          label="Standard"
+          value={summary.standard}
+          delta={summary.standardDelta === 0 ? 'stable' : `${summary.standardDelta > 0 ? '+' : ''}${summary.standardDelta} since last week`}
+          tone="good"
+        />
+      </div>
+
+      <div className="grid gap-3.5 items-start grid-cols-1 xl:grid-cols-[1.75fr_1fr]">
+        {/* ── enterprises by risk ─────────────────────────── */}
+        <div className="min-w-0 ul-card overflow-hidden">
+          <div className="px-4 py-3 border-b border-line flex items-center gap-2.5">
+            <h3 className="text-[13.5px] font-semibold text-ink tracking-[-0.012em]">Enterprises by risk</h3>
+            <span className="text-[11.5px] text-ink-3">
+              Ranked by Composite Stress Score · updated {summary.updatedMinutesAgo} min ago
+            </span>
+            <GhostBtn className="ml-auto !py-1 !px-2.5 !text-[11.5px]" onClick={handleExport}>
+              Export CSV
+            </GhostBtn>
+          </div>
+
+          <div className="overflow-x-auto max-h-[560px] overflow-y-auto">
+            <table className="ul-table">
+              <thead className="sticky top-0 z-10">
+                <tr>
+                  <th>Enterprise</th>
+                  <th>Sector</th>
+                  <th>Block</th>
+                  <th className="text-right">Score</th>
+                  <th>Status</th>
+                  <th>6-month trend</th>
+                  <th />
+                </tr>
+              </thead>
+              <tbody>
+                {rows.slice(0, 40).map((e) => (
+                  <tr
+                    key={e.enterpriseId}
+                    onClick={() => setSelectedId(e.enterpriseId)}
+                    className={`cursor-pointer ${e.enterpriseId === selected?.enterpriseId ? 'sel' : ''}`}
+                  >
+                    <td>
+                      <div className="flex items-center gap-2.5">
+                        <span
+                          className={`w-6 h-6 rounded-full grid place-items-center text-[10px] font-bold ${
+                            e.band === 'RED' ? 'band-red' : e.band === 'WATCH' ? 'band-watch' : 'band-standard'
+                          }`}
+                        >
+                          {e.name[0]}
+                        </span>
+                        <span className="leading-tight">
+                          <span className="block font-semibold text-ink">{e.name}</span>
+                          <span className="block font-mono text-[10px] text-ink-3">{e.enterpriseId}</span>
+                        </span>
+                      </div>
+                    </td>
+                    <td className="text-ink-2">{SECTORS[e.sector]?.short ?? e.sector}</td>
+                    <td className="text-ink-2">{e.block}</td>
+                    <td
+                      className={`text-right font-bold num ${
+                        e.band === 'RED' ? 'text-risk-red' : e.band === 'WATCH' ? 'text-amber' : 'text-green'
+                      }`}
+                    >
+                      {e.score}
+                    </td>
+                    <td>
+                      <RiskBadge band={e.band} />
+                    </td>
+                    <td>
+                      <Sparkline values={e.trend} band={e.band} />
+                    </td>
+                    <td className="text-right">
+                      <button
+                        onClick={(ev) => {
+                          ev.stopPropagation()
+                          navigate(`/officer/enterprises/${e.enterpriseId}`)
+                        }}
+                        className="text-ink-3 hover:text-lp-blue px-1"
+                        aria-label={`Open ${e.name}`}
+                      >
+                        ⋯
+                      </button>
+                    </td>
+                  </tr>
+                ))}
+              </tbody>
+            </table>
+          </div>
+
+          {rows.length > 40 && (
+            <div className="px-4 py-2 border-t border-line text-[10.5px] text-ink-3">
+              Showing the 40 highest-risk of {rows.length} — the full register is under Portfolio → Enterprises.
+            </div>
+          )}
+        </div>
+
+        {/* ── risk detail ─────────────────────────────────── */}
+        {selected && (
+          <RiskDetail
+            enterprise={selected}
+            score={detailQ.data?.score ?? null}
+            reasons={detailQ.data?.reasons ?? []}
+            onSchedule={() => setScheduling(selected)}
+          />
+        )}
+      </div>
+
+      {/* ── what happened, what is coming, what to do ─────── */}
+      <div className="grid gap-3.5 mt-3.5 grid-cols-1 lg:grid-cols-3">
+        <TripWiresFired block={block} />
+        <ClimateMarketOverlay />
+        <YourWeek block={block} />
+      </div>
+
+      {scheduling && <ScheduleVisitModal enterprise={scheduling} onClose={() => setScheduling(null)} />}
+    </div>
+  )
+}
+
+/* ------------------------------------------------------------------ */
+/* The three panels under the register                                 */
+/* ------------------------------------------------------------------ */
+
+/**
+ * What crossed a line today, as opposed to what merely scores badly.
+ *
+ * <p>Kept beside the score register rather than folded into it because they
+ * answer different questions. A score says how stressed an enterprise is; a
+ * fired trip-wire says a specific agreed threshold was crossed, and an officer
+ * can be asked to justify acting on the second in a way the first does not
+ * support.
+ */
+function TripWiresFired({ block }: { block: string }) {
+  const navigate = useNavigate()
+  const { rows, unavailable } = useTenantAlerts(block)
+  const open = rows.filter((a) => a.state === "OPEN").slice(0, 3)
+
+  return (
+    <Card
+      title="Trip-wires fired today"
+      actions={<span className="text-[11.5px] text-ink-3">Rule-based, independent of the model</span>}
+    >
+      <div className="p-4 grid gap-2.5">
+        {unavailable && <Empty text="Alert queue unavailable — backend not reachable." />}
+        {!unavailable && open.length === 0 && <Empty text="No trip-wire fired in this scope today." />}
+        {open.map((a) => (
+          <button key={a.alertId} onClick={() => navigate('/officer/alerts')} className="text-left">
+            <AlertBox
+              tone={a.band === 'RED' ? 'high' : 'watch'}
+              glyph={a.band === 'RED' ? <AlertTriangle size={14} /> : <Clock size={14} />}
+              title={a.title}
+            >
+              {a.enterpriseName} — {a.reason.sentenceEn}
+            </AlertBox>
+          </button>
+        ))}
+      </div>
+    </Card>
+  )
+}
+
+/**
+ * The outside world, in four lines.
+ *
+ * <p>Reads the same ingestion endpoints the feeds screen does, so a number here
+ * and a number there cannot disagree. Staleness is deliberately on the face of
+ * it: a mandi price is only worth reading next to how old it is.
+ */
+function ClimateMarketOverlay() {
+  const marketQ = useQuery({
+    queryKey: ['market-signals'],
+    queryFn: () => get<MarketSignal[]>('/admin/ingestion/signals/market', { weeks: 8 }),
+  })
+  const climateQ = useQuery({
+    queryKey: ['climate-signals'],
+    queryFn: () => get<ClimateSignal[]>('/admin/ingestion/signals/climate', { weeks: 8 }),
+  })
+
+  const market = marketQ.data ?? demoMarketSignals()
+  const climate = climateQ.data ?? demoClimateSignals()
+
+  // Newest row per commodity, then the two that moved most — a panel of four
+  // lines should carry the two worth acting on, not the two alphabetically first.
+  const latestByCommodity = new Map<string, MarketSignal>()
+  for (const row of market) {
+    const held = latestByCommodity.get(row.commodityName)
+    if (!held || row.weekStart > held.weekStart) latestByCommodity.set(row.commodityName, row)
+  }
+  const movers = Array.from(latestByCommodity.values())
+    .map((m) => {
+      // A week with no arrivals stores a null price rather than a zero, so it has
+      // to drop out of the baseline entirely — averaging it in as zero would read
+      // as a crash in a commodity that simply did not trade.
+      const history = market
+        .filter((r) => r.commodityName === m.commodityName && r.weekStart < m.weekStart)
+        .map((r) => r.modalPrice)
+        .filter((p): p is number => p != null)
+        .slice(0, 8)
+      const price = m.modalPrice ?? 0
+      const mean = history.length ? history.reduce((s, p) => s + p, 0) / history.length : price
+      return { row: m, price, changePct: mean ? ((price - mean) / mean) * 100 : 0 }
+    })
+    .sort((a, b) => Math.abs(b.changePct) - Math.abs(a.changePct))
+    .slice(0, 2)
+
+  const latestClimate = climate.length
+    ? climate.reduce((a, b) => (a.weekStart > b.weekStart ? a : b))
+    : null
+
+  const rows: { name: string; sub: string; value: string; tone: 'high' | 'watch' | 'std' }[] = []
+
+  if (latestClimate) {
+    const rain = latestClimate.rainfallAnomalyPct ?? 0
+    rows.push({
+      name: 'Rainfall anomaly',
+      sub: `${latestClimate.districtName} · vs 30-year normal`,
+      value: `${rain > 0 ? '+' : ''}${Math.round(rain)}%`,
+      tone: Math.abs(rain) > 25 ? 'watch' : 'std',
+    })
+    const heat = latestClimate.heatAnomalyC ?? 0
+    rows.push({
+      name: 'Heat anomaly',
+      sub: heat > 1.5 ? 'Poultry mortality risk' : 'Within normal range',
+      value: `${heat > 0 ? '+' : ''}${heat.toFixed(1)}°C`,
+      tone: heat > 1.5 ? 'watch' : 'std',
+    })
+  }
+
+  for (const m of movers) {
+    rows.push({
+      name: `Mandi — ${m.row.commodityName.toLowerCase()}`,
+      sub: `${m.row.districtName} · vs 8-week mean`,
+      value: `₹${Math.round(m.price).toLocaleString('en-IN')}`,
+      tone: Math.abs(m.changePct) > 12 ? 'high' : Math.abs(m.changePct) > 5 ? 'watch' : 'std',
+    })
+  }
+
+  return (
+    <Card
+      title="Climate & market overlay"
+      actions={<span className="text-[11.5px] text-ink-3">The signals behind the shock family</span>}
+    >
+      <div className="p-4 grid gap-3">
+        {rows.length === 0 && <Empty text="No signal ingested yet — run ingestion." />}
+        {rows.map((r) => (
+          <div key={r.name} className="flex items-center gap-3">
+            <div className="flex-1 min-w-0">
+              <div className="text-[12px] font-semibold text-ink">{r.name}</div>
+              <div className="text-[11px] text-ink-3 truncate">{r.sub}</div>
+            </div>
+            <span
+              className={`pill ${r.tone === 'high' ? 'pill-bad' : r.tone === 'watch' ? 'pill-pend' : 'pill-ok'}`}
+            >
+              {r.value}
+            </span>
+          </div>
+        ))}
+      </div>
+    </Card>
+  )
+}
+
+/**
+ * The playbook, ranked — the screen's only instruction to a person.
+ *
+ * <p>Everything above it describes a state. This says what to do about it, in
+ * priority order, which is the difference between a dashboard an officer reads
+ * and one an officer works from.
+ */
+function YourWeek({ block }: { block: string }) {
+  const navigate = useNavigate()
+  const { rows, unavailable } = useTenantVisits(block)
+  const visits = rows
+    .filter((v) => v.state !== "DONE")
+    .sort((a, b) => a.priority - b.priority || a.dueDate.localeCompare(b.dueDate))
+    .slice(0, 4)
+
+  return (
+    <Card
+      title="Your week"
+      actions={<span className="text-[11.5px] text-ink-3">Playbook, ranked by expected impact</span>}
+    >
+      <div className="p-4 grid gap-3">
+        {unavailable && <Empty text="Visit list unavailable — backend not reachable." />}
+        {!unavailable && visits.length === 0 && <Empty text="Nothing outstanding in this scope." />}
+        {visits.map((v, i) => (
+          <button
+            key={v.visitId}
+            onClick={() => navigate('/officer/visits')}
+            className="flex items-start gap-2.5 text-left group"
+          >
+            <span
+              className={`pill ${v.priority === 1 ? 'pill-bad' : 'pill-pend'} !px-0 w-[22px] justify-center shrink-0`}
+            >
+              {i + 1}
+            </span>
+            <span className="min-w-0">
+              <span className="block text-[12px] font-semibold text-ink group-hover:text-lp-blue">
+                {v.enterpriseName}
+              </span>
+              <span className="block text-[11px] text-ink-3 truncate">
+                {v.action} · {v.state === 'OVERDUE' ? 'Overdue' : `Due ${v.dueDate}`}
+              </span>
+            </span>
+          </button>
+        ))}
+      </div>
+    </Card>
+  )
+}
+
+/** Right-hand panel: score dial, top drivers, the reason sentence and two actions. */
+function RiskDetail({
+  enterprise,
+  score,
+  reasons,
+  onSchedule,
+}: {
+  enterprise: Enterprise
+  score: StressScoreRow | null
+  reasons: ReasonCodeRow[]
+  onSchedule: () => void
+}) {
+  const navigate = useNavigate()
+
+  // The five families as the scoring run stored them. This panel used to call
+  // subScoresFor() — a JavaScript reimplementation of the old rule weights — so
+  // the bars on the console's home screen were a browser-side approximation of
+  // an engine that is no longer the one scoring, while the model's SHAP values
+  // sat unread in reason_code.
+  const sub = score
+    ? {
+        liquidity: score.liquidity ?? 0,
+        behavioural: score.behavioural ?? 0,
+        trendVolatility: score.trendVolatility ?? 0,
+        obligationLoad: score.obligationLoad ?? 0,
+        externalShock: score.externalShock ?? 0,
+      }
+    : null
+  const reason = reasons[0]
+  const isModel = score?.engine === 'MODEL'
+  const points = forecastFor(enterprise)
+  const breach = breachPoint(points)
+  const breachRef = breach ? monthRef(new Date(`${breach.month}-01T00:00:00`)) : null
+
+  return (
+    <div className="min-w-0 ul-card overflow-hidden">
+      <div className="px-4 py-3 border-b border-line flex items-center gap-2.5">
+        <h3 className="text-[13.5px] font-semibold text-ink tracking-[-0.012em]">Risk detail</h3>
+        <span className="text-[11.5px] text-ink-3 truncate">
+          {enterprise.name} · {enterprise.enterpriseId}
+        </span>
+      </div>
+
+      <div className="p-4">
+        <div className="grid place-items-center">
+          <ScoreDial score={score?.score ?? enterprise.score} band={(score?.band ?? enterprise.band) as never} size={124} />
+        </div>
+
+        {/* Band, sector and block as one chip row — the three facts that decide
+            whether this score is even the officer's to act on. */}
+        <div className="flex items-center justify-center gap-1.5 flex-wrap mt-3 mb-4">
+          <RiskBadge band={enterprise.band} />
+          <span className="pill pill-mut">{SECTORS[enterprise.sector].short}</span>
+          <span className="pill pill-mut">{enterprise.block}</span>
+        </div>
+
+        <div className="text-[10px] uppercase tracking-[0.07em] text-ink-3 font-bold mb-2.5">
+          Top drivers
+          <span className="font-normal normal-case tracking-normal text-ink-3">
+            {" "}
+            · {isModel ? "SHAP contribution" : "weighted share"}
+          </span>
+        </div>
+        <div className="space-y-2 mb-4">
+          {!sub && <Empty text="Not scored yet." />}
+          {sub &&
+            DRIVER_META.map((d) => (
+              <DriverBar key={d.key} label={d.label} weight={sub[d.key]} />
+            ))}
+        </div>
+
+        <AlertBox
+          tone={enterprise.band === 'RED' ? 'high' : enterprise.band === 'WATCH' ? 'watch' : 'info'}
+          glyph={<Info size={14} />}
+          title="Reason code"
+        >
+          {reason?.sentenceEn ?? "No reason code stored for this run."}
+          {breachRef && ` Shortfall expected by ${breachRef.fullEn}.`}
+          {breach && (
+            <b className="block mt-1 text-risk-red">
+              Projected gap {inr(breach.obligation - breach.p10)} at P10
+            </b>
+          )}
+        </AlertBox>
+
+        <div className="flex gap-2 mt-4">
+          <PrimaryBtn className="flex-1" onClick={onSchedule}>
+            Schedule visit
+          </PrimaryBtn>
+          <GhostBtn className="flex-1" onClick={() => navigate(`/officer/enterprises/${enterprise.enterpriseId}`)}>
+            Full forecast
+          </GhostBtn>
+        </div>
+      </div>
+    </div>
+  )
+}

src/features/officer/OfficerShell.tsx

@@ -1,36 +1,224 @@
-import { NavLink, Outlet, useNavigate } from 'react-router-dom'
+import { useEffect, useRef, useState } from 'react'
+import { NavLink, Outlet, useLocation, useNavigate } from 'react-router-dom'
 import { useQuery } from '@tanstack/react-query'
+import {
+  Bell,
+  Building2,
+  ChevronDown,
+  Database,
+  FileSpreadsheet,
+  FolderInput,
+  Gauge,
+  LineChart,
+  LogOut,
+  MapPin,
+  PencilRuler,
+  Search,
+  Settings,
+  Siren,
+  Store,
+  Table2,
+} from 'lucide-react'
+import type { LucideIcon } from 'lucide-react'
 import { clearSessions, get, officerSession } from '../../lib/api'
 import type { Freshness } from '../../lib/api'
 import { demoFreshness, worstStaleness } from '../../lib/demo/feeds'
 import { UdyamMark } from '../../components/ui/bits'
+import { MenuSelect } from '../../components/ui/MenuSelect'
 import { BLOCKS } from '../../lib/demo/enterprises'
-import { ALL_BLOCKS, alertsFor, weeklyVisitProgress } from '../../lib/demo/ops'
+import { ALL_BLOCKS } from '../../lib/demo/ops'
+import { useTenantAlerts, useTenantVisits } from './useTenantData'
 import { monthRef, monthWindow } from '../../lib/demo/seed'
 import { OfficerScopeProvider, useScope } from './officerScope'
 
 /*
- * Field officer console shell — dark forest sidebar on the left, identity bar
+ * Field officer console shell — fixed header, grouped dropdown navigation.
- * across the top, work area on the right. This is the layout on the deck's
+ *
- * wireframe slide; it deliberately differs from BharatLinc's horizontal MegaNav
+ * The console had thirteen flat items down a rail, which is more than anyone
- * because the console is navigated by module, not by tab.
+ * scans: "Data feeds", "Data entry", "Data sources" and "Core banking" are one
+ * subject wearing four labels, and nothing in a flat list said so. They are now
+ * four menus that name the *question* a screen answers — where does the book
+ * stand, what is going wrong, what are we reading — with the screens under them.
+ *
+ * Fixed rather than sticky-on-scroll: an officer moves between screens far more
+ * often than they scroll one, and a header that comes and goes costs a re-aim
+ * every time. The scope row underneath it is part of the same furniture, because
+ * block and month change what every screen below means.
  */
 
-const NAV: { label: string; to: string; end?: boolean }[] = [
+/**
-  { label: 'Dashboard', to: '/officer', end: true },
+ * Icon-tile colours.
-  { label: 'Portfolio', to: '/officer/portfolio' },
+ *
-  { label: 'Enterprises', to: '/officer/enterprises' },
+ * <p>Written as literal class pairs rather than composed at runtime, because
-  { label: 'Risk alerts', to: '/officer/alerts' },
+ * Tailwind scans source text — a class built from a variable is a class that
-  { label: 'Forecasts', to: '/officer/forecasts' },
+ * never reaches the stylesheet.
-  { label: 'Field visits', to: '/officer/visits' },
+ *
-  { label: 'Trip-wires', to: '/officer/rules' },
+ * <p>Colour here is an aid to recognition, not information: the palette repeats
-  { label: 'Data feeds', to: '/officer/feeds' },
+ * across menus and carries no meaning, so nobody can read a hue as a severity.
-  { label: 'Data entry', to: '/officer/data-entry' },
+ * The risk scale stays reserved for bands, and only the alerts item borrows from
-  { label: 'Core banking', to: '/officer/integration' },
+ * it — because there it <em>is</em> the meaning.
-  { label: 'Reports', to: '/officer/reports' },
+ */
-  { label: 'Settings', to: '/officer/settings' },
+const TONES = {
+  blue: 'bg-[#e7f0f9] text-[#2a71b8] border-[#cfe1f3]',
+  green: 'bg-[#e7f6ee] text-[#1f8b50] border-[#cfeadd]',
+  teal: 'bg-[#e3f3f6] text-[#0f7d92] border-[#c9e7ec]',
+  indigo: 'bg-[#eceefa] text-[#4d5bb0] border-[#d9ddf3]',
+  violet: 'bg-[#f1ecf8] text-[#6f5ba0] border-[#e2d9f0]',
+  amber: 'bg-[#fdf3e6] text-[#b8710f] border-[#f7e3c6]',
+  rose: 'bg-[#fbeae8] text-[#b5342a] border-[#f5d4d0]',
+} as const
+
+type Tone = keyof typeof TONES
+
+interface NavItem {
+  label: string
+  to: string
+  icon: LucideIcon
+  tone: Tone
+  hint: string
+  end?: boolean
+  /** Renders the open-alert count. Only one item claims it. */
+  badge?: 'alerts'
+}
+
+interface NavGroup {
+  label: string
+  icon: LucideIcon
+  items: NavItem[]
+}
+
+/** Direct links sit beside the menus rather than inside a menu of one. */
+const HOME: NavItem = {
+  label: 'Dashboard',
+  to: '/officer',
+  icon: Gauge,
+  tone: 'blue',
+  hint: 'Where the book stands today',
+  end: true,
+}
+
+const REPORTS: NavItem = {
+  label: 'Reports',
+  to: '/officer/reports',
+  icon: Table2,
+  tone: 'violet',
+  hint: 'Supervisory pack and exports',
+}
+
+const GROUPS: NavGroup[] = [
+  {
+    label: 'Portfolio',
+    icon: Store,
+    items: [
+      {
+        label: 'Sector packs',
+        to: '/officer/portfolio',
+        icon: Store,
+        tone: 'green',
+        hint: 'Dairy, poultry, food processing, handicrafts and rural retail — each modelled separately.',
+      },
+      {
+        label: 'Enterprises',
+        to: '/officer/enterprises',
+        icon: Building2,
+        tone: 'indigo',
+        hint: 'The full register, searchable, with score, band and trend per borrower.',
+      },
+      {
+        label: 'Forecasts',
+        to: '/officer/forecasts',
+        icon: LineChart,
+        tone: 'teal',
+        hint: 'Net cash position projected 1–6 months at P10 / P50 / P90, against the instalment due.',
+      },
+    ],
+  },
+  {
+    label: 'Risk',
+    icon: Siren,
+    items: [
+      {
+        label: 'Risk alerts',
+        to: '/officer/alerts',
+        icon: Siren,
+        tone: 'rose',
+        hint: 'Open, acknowledged, escalated and snoozed, ranked by what is closest.',
+        badge: 'alerts',
+      },
+      {
+        label: 'Trip-wires',
+        to: '/officer/rules',
+        icon: PencilRuler,
+        tone: 'amber',
+        hint: 'Every rule with its expression, and why it fired, skipped or stayed silent.',
+      },
+      {
+        label: 'Field visits',
+        to: '/officer/visits',
+        icon: MapPin,
+        tone: 'violet',
+        hint: 'Ranked playbook, scheduling, and the outcome log that closes the loop.',
+      },
+    ],
+  },
+  {
+    label: 'Data',
+    icon: Database,
+    items: [
+      {
+        label: 'Data sources',
+        to: '/officer/sources',
+        icon: Database,
+        tone: 'blue',
+        hint: 'Every route data enters by — APIs, core banking, uploads and the ledger.',
+      },
+      {
+        label: 'Data feeds',
+        to: '/officer/feeds',
+        icon: LineChart,
+        tone: 'teal',
+        hint: 'Mandi prices and climate signals, with the age of every observation.',
+      },
+      {
+        label: 'Data entry',
+        to: '/officer/data-entry',
+        icon: FileSpreadsheet,
+        tone: 'green',
+        hint: 'Upload a rate sheet or a loan book — staged, previewed, then committed.',
+      },
+      {
+        label: 'Core banking',
+        to: '/officer/integration',
+        icon: FolderInput,
+        tone: 'indigo',
+        hint: 'CBSNexora connections, per-bank field mapping and sync history.',
+      },
+    ],
+  },
 ]
 
+/** Page title for the breadcrumb, resolved longest-prefix-first. */
+const TITLES: { to: string; title: string; sub: string }[] = [
+  { to: '/officer/portfolio', title: 'Sector risk packs', sub: 'Five rural trades modelled separately' },
+  { to: '/officer/enterprises', title: 'Enterprises', sub: 'Every borrower on your book' },
+  { to: '/officer/alerts', title: 'Risk alerts', sub: 'Early warning, ranked by what is closest' },
+  { to: '/officer/forecasts', title: 'Forecasts', sub: 'Multi-horizon cash projection with explainability' },
+  { to: '/officer/visits', title: 'Field visits', sub: 'Playbook, log and feedback loop' },
+  { to: '/officer/rules', title: 'Trip-wires', sub: 'Every rule, its expression and its outcome' },
+  { to: '/officer/sources', title: 'Data sources', sub: 'Every route by which data enters the platform' },
+  { to: '/officer/feeds', title: 'Data feeds', sub: 'Where the numbers came from, and how old they are' },
+  { to: '/officer/data-entry', title: 'Data entry', sub: 'Staged, previewed, then committed' },
+  { to: '/officer/integration', title: 'Core banking', sub: 'Connections, field mapping and sync history' },
+  { to: '/officer/reports', title: 'Reports', sub: 'Supervisory pack and model monitoring' },
+  { to: '/officer/settings', title: 'Settings', sub: 'Console preferences' },
+  { to: '/officer/early-warning', title: 'Early warning', sub: 'Ranked by when the downside stops covering the instalment' },
+  { to: '/officer', title: 'Portfolio overview', sub: 'Where the book stands today' },
+]
+
+function titleFor(pathname: string) {
+  return TITLES.find((t) => pathname === t.to || pathname.startsWith(`${t.to}/`)) ?? TITLES[TITLES.length - 1]
+}
+
 /**
  * Data age, in the chrome rather than on a screen someone has to go and find.
  *
@@ -62,6 +250,197 @@ function FreshnessChip() {
   )
 }
 
+/* ------------------------------------------------------------------ */
+/* Dropdown                                                            */
+/* ------------------------------------------------------------------ */
+
+/**
+ * One header menu. Opens on click rather than on hover — a hover menu over a
+ * dense console opens itself while someone is travelling to something else, and
+ * on a touch screen it has no open gesture at all.
+ */
+function NavMenu({
+  group,
+  open,
+  onToggle,
+  onClose,
+  openAlerts,
+}: {
+  group: NavGroup
+  open: boolean
+  onToggle: () => void
+  onClose: () => void
+  openAlerts: number
+}) {
+  const { pathname } = useLocation()
+  const active = group.items.some((i) => pathname === i.to || pathname.startsWith(`${i.to}/`))
+  const Icon = group.icon
+  const groupAlerts = group.items.some((i) => i.badge === 'alerts') ? openAlerts : 0
+
+  return (
+    <div className="relative">
+      <button
+        onClick={onToggle}
+        aria-expanded={open}
+        aria-haspopup="menu"
+        className={`flex items-center gap-1.5 px-3 h-[34px] rounded-[8px] text-[13px] whitespace-nowrap transition-colors ${
+          active
+            ? 'bg-white text-forest font-semibold'
+            : open
+              ? 'bg-white/15 text-white font-medium'
+              : 'text-white/70 font-medium hover:bg-white/10 hover:text-white'
+        }`}
+      >
+        <Icon size={14} strokeWidth={2} />
+        {group.label}
+        {groupAlerts > 0 && (
+          <span className="bg-risk-red text-white text-[9.5px] font-bold px-1.5 rounded-full leading-4 min-w-[17px] text-center">
+            {groupAlerts}
+          </span>
+        )}
+        <ChevronDown size={13} className={`transition-transform ${open ? 'rotate-180' : ''}`} />
+      </button>
+
+      {/*
+        A mega-panel rather than a list. Each destination gets an icon tile, a
+        title and a line saying what the screen answers — the four Data screens
+        are the reason: "Data feeds" and "Data sources" are indistinguishable as
+        bare labels and obvious as soon as each carries its sentence.
+
+        One width for every menu. A three-item panel rendered narrow and tall
+        while the four-item one was wide and short, so each menu opened into a
+        different shape and the eye had to re-find the first item every time.
+        Three items now fill two columns and leave a gap, which is the cheaper
+        cost.
+      */}
+      {open && (
+        <div
+          role="menu"
+          className="ul-menu absolute left-0 top-[calc(100%+8px)] z-50 p-2.5 w-[min(620px,calc(100vw-2rem))]"
+        >
+          <div className="grid gap-1 sm:grid-cols-2">
+            {group.items.map((item) => {
+              const ItemIcon = item.icon
+              return (
+                <NavLink
+                  key={item.to}
+                  to={item.to}
+                  end={item.end}
+                  onClick={onClose}
+                  role="menuitem"
+                  className={({ isActive }) =>
+                    `flex items-start gap-3 p-2.5 rounded-[9px] transition-colors ${
+                      isActive ? 'bg-lp-blue-soft' : 'hover:bg-surface-3'
+                    }`
+                  }
+                >
+                  {({ isActive }) => (
+                    <>
+                      <span
+                        className={`w-10 h-10 rounded-[10px] grid place-items-center shrink-0 border transition-colors ${
+                          isActive ? 'bg-lp-blue border-lp-blue text-white' : TONES[item.tone]
+                        }`}
+                      >
+                        <ItemIcon size={18} strokeWidth={1.9} />
+                      </span>
+                      <span className="min-w-0">
+                        <span className="flex items-center gap-1.5">
+                          <span
+                            className={`text-[13px] font-bold leading-tight ${
+                              isActive ? 'text-lp-blue' : 'text-ink'
+                            }`}
+                          >
+                            {item.label}
+                          </span>
+                          {item.badge === 'alerts' && openAlerts > 0 && (
+                            <span className="bg-risk-red text-white text-[9px] font-bold px-1.5 rounded-[4px] leading-[15px] uppercase tracking-wide">
+                              {openAlerts} open
+                            </span>
+                          )}
+                        </span>
+                        <span className="block text-[11.5px] text-ink-3 leading-snug mt-0.5">
+                          {item.hint}
+                        </span>
+                      </span>
+                    </>
+                  )}
+                </NavLink>
+              )
+            })}
+          </div>
+        </div>
+      )}
+    </div>
+  )
+}
+
+/** The avatar menu — identity, then the two things you do to a session. */
+function UserMenu({
+  name,
+  role,
+  initials,
+  open,
+  onToggle,
+  onClose,
+  onSignOut,
+}: {
+  name: string
+  role: string
+  initials: string
+  open: boolean
+  onToggle: () => void
+  onClose: () => void
+  onSignOut: () => void
+}) {
+  return (
+    <div className="relative">
+      <button
+        onClick={onToggle}
+        aria-expanded={open}
+        aria-haspopup="menu"
+        className="flex items-center gap-2 pl-3 ml-1 border-l border-white/20 py-1"
+      >
+        <span className="w-[29px] h-[29px] rounded-full bg-lp-blue text-white grid place-items-center text-[10.5px] font-bold shrink-0">
+          {initials}
+        </span>
+        <span className="leading-tight text-left hidden lg:block">
+          <span className="block text-[12px] font-semibold text-white">{name}</span>
+          <span className="block text-[10px] text-white/55">{role}</span>
+        </span>
+        <ChevronDown size={13} className={`text-white/60 transition-transform ${open ? 'rotate-180' : ''}`} />
+      </button>
+
+      {open && (
+        <div role="menu" className="ul-menu absolute right-0 top-[calc(100%+6px)] z-50 w-[210px] py-1.5">
+          <div className="px-3 py-2 border-b border-line lg:hidden">
+            <div className="text-[12.5px] font-semibold text-ink">{name}</div>
+            <div className="text-[10.5px] text-ink-3">{role}</div>
+          </div>
+          <NavLink
+            to="/officer/settings"
+            onClick={onClose}
+            role="menuitem"
+            className="flex items-center gap-2.5 px-3 py-2 text-[12.5px] text-ink hover:bg-surface-3"
+          >
+            <Settings size={14} className="text-ink-3" />
+            Settings
+          </NavLink>
+          <button
+            onClick={onSignOut}
+            role="menuitem"
+            className="w-full flex items-center gap-2.5 px-3 py-2 text-[12.5px] text-risk-red hover:bg-risk-soft text-left"
+          >
+            <LogOut size={14} />
+            Sign out
+          </button>
+        </div>
+      )}
+    </div>
+  )
+}
+
+/* ------------------------------------------------------------------ */
+
 export function OfficerShell() {
   return (
     <OfficerScopeProvider>
@@ -72,13 +451,44 @@ export function OfficerShell() {
 
 function ShellBody() {
   const navigate = useNavigate()
+  const { pathname } = useLocation()
   const session = officerSession()
   const { block, month, setBlock, setMonth } = useScope()
-  const openAlerts = alertsFor(block).filter((a) => a.state === 'OPEN').length
+  // Scoped counts. These drove a badge and a progress bar off the unscoped demo
-  const progress = weeklyVisitProgress(block)
+  // portfolio, so the header told an MPGB officer how many alerts existed across
+  // every bank on the platform.
+  const { rows: scopedAlerts } = useTenantAlerts(block)
+  const { rows: scopedVisits } = useTenantVisits(block)
+  const openAlerts = scopedAlerts.filter((a) => a.state === 'OPEN').length
+  const doneThisWeek = scopedVisits.filter((v) => v.state === 'DONE').length
+  const progress = { done: doneThisWeek, target: Math.max(3, scopedVisits.length) }
   const months = monthWindow(4, -3).reverse() // current month first, three back
+  const crumb = titleFor(pathname)
 
-  const initials = (session?.fullName ?? 'Field Officer')
+  // One open menu at a time, addressed by label. Null means everything closed.
+  const [openMenu, setOpenMenu] = useState<string | null>(null)
+  const headerRef = useRef<HTMLElement>(null)
+
+  // Close on outside click and on Escape. Route changes close it through the
+  // item's own onClick, which also covers navigating to the page you are on.
+  useEffect(() => {
+    if (!openMenu) return
+    const onDown = (e: MouseEvent) => {
+      if (!headerRef.current?.contains(e.target as Node)) setOpenMenu(null)
+    }
+    const onKey = (e: KeyboardEvent) => {
+      if (e.key === 'Escape') setOpenMenu(null)
+    }
+    document.addEventListener('mousedown', onDown)
+    document.addEventListener('keydown', onKey)
+    return () => {
+      document.removeEventListener('mousedown', onDown)
+      document.removeEventListener('keydown', onKey)
+    }
+  }, [openMenu])
+
+  const name = session?.fullName ?? 'Field Officer'
+  const initials = name
     .split(' ')
     .map((w) => w[0])
     .join('')
@@ -90,134 +500,156 @@ function ShellBody() {
     navigate('/login', { replace: true })
   }
 
+  const toggle = (id: string) => setOpenMenu((cur) => (cur === id ? null : id))
+  const close = () => setOpenMenu(null)
+
+  const directLink = (item: NavItem) => {
+    const Icon = item.icon
+    return (
+      <NavLink
+        key={item.to}
+        to={item.to}
+        end={item.end}
+        onClick={close}
+        className={({ isActive }) =>
+          `flex items-center gap-1.5 px-3 h-[34px] rounded-[8px] text-[13px] whitespace-nowrap transition-colors ${
+            isActive
+              ? 'bg-white text-forest font-semibold'
+              : 'text-white/70 font-medium hover:bg-white/10 hover:text-white'
+          }`
+        }
+      >
+        <Icon size={14} strokeWidth={2} />
+        {item.label}
+      </NavLink>
+    )
+  }
+
   return (
-    <div className="min-h-screen flex bg-[#f4f7f5]">
+    <div className="min-h-screen flex flex-col bg-page">
-      {/* ── sidebar ─────────────────────────────────────────── */}
+      {/* ── fixed header: brand bar with grouped menus ─────────── */}
-      <aside className="w-[212px] shrink-0 bg-forest-deep text-white flex flex-col sticky top-0 h-screen">
+      <header ref={headerRef} className="sticky top-0 z-40">
-        <div className="px-4 py-4 flex items-center gap-2.5 border-b border-white/10">
+        <div className="bg-forest text-white flex items-center gap-4 px-4 h-14 shadow-[0_2px_14px_rgba(0,0,0,0.25)]">
-          <UdyamMark size={24} onDark />
+          <NavLink to="/officer" onClick={close} className="flex items-center gap-2.5 shrink-0">
-          <div className="leading-tight">
+            <UdyamMark size={26} onDark />
-            <div className="text-[14px] font-bold">
+            <span className="leading-tight hidden sm:block">
-              Udyam<span className="text-amber-hi">Linc</span>
+              <span className="block text-[14px] font-bold tracking-[-0.02em]">UdyamLinc</span>
-            </div>
+              <span className="block text-[10px] text-white/55">Field Officer Console</span>
-            <div className="text-[9px] text-[#8fae9c] font-mono tracking-[0.1em]">FIELD OFFICER CONSOLE</div>
+            </span>
-          </div>
+          </NavLink>
-        </div>
 
-        <nav className="flex-1 py-3 overflow-y-auto">
+          <span className="w-px h-6 bg-white/20 hidden md:block" />
-          {NAV.map((n) => (
-            <NavLink
-              key={n.to}
-              to={n.to}
-              end={n.end}
-              className={({ isActive }) =>
-                [
-                  'flex items-center gap-2.5 px-4 py-[9px] text-[12px] font-medium border-l-[3px] transition-colors',
-                  isActive
-                    ? 'bg-white/[0.08] text-white border-amber font-semibold'
-                    : 'text-[#a9c4b5] border-transparent hover:bg-white/[0.05] hover:text-white',
-                ].join(' ')
-              }
-            >
-              <span className="w-2.5 h-2.5 rounded-[3px] bg-current opacity-70" />
-              {n.label}
-              {n.to === '/officer/alerts' && openAlerts > 0 && (
-                <span className="ml-auto bg-risk-red text-white text-[9.5px] font-bold px-1.5 rounded-full">
-                  {openAlerts}
-                </span>
-              )}
-            </NavLink>
-          ))}
-        </nav>
 
-        {/* weekly visit progress — the card pinned to the sidebar on the deck */}
+          {/* No overflow on this element. An `overflow-x: auto` here scrolls the row
-        <div className="m-3 rounded-lg bg-white/[0.07] border border-white/10 px-3 py-2.5">
+              on a narrow window, but it also establishes a clipping context that cuts
-          <div className="text-[9.5px] text-[#8fae9c] font-mono tracking-[0.1em]">THIS WEEK</div>
+              off the dropdown panels — and on Windows the always-visible scrollbars
-          <div className="text-[22px] font-bold leading-tight">
+              eat into a 56px bar. Labels collapse at small widths instead. */}
-            {progress.done} <span className="text-[13px] text-[#8fae9c]">/ {progress.target}</span>
+          <nav className="flex items-center gap-0.5 min-w-0">
-          </div>
+            {directLink(HOME)}
-          <div className="text-[9.5px] text-[#8fae9c] mb-1.5">high-risk visits done</div>
+            {GROUPS.map((g) => (
-          <div className="h-[5px] rounded-full bg-white/15 overflow-hidden">
+              <NavMenu
-            <div
+                key={g.label}
-              className="h-full rounded-full bg-green-hi"
+                group={g}
-              style={{ width: `${Math.min(100, (progress.done / progress.target) * 100)}%` }}
+                open={openMenu === g.label}
-            />
+                onToggle={() => toggle(g.label)}
-          </div>
+                onClose={close}
-        </div>
+                openAlerts={openAlerts}
-      </aside>
+              />
+            ))}
+            {directLink(REPORTS)}
+          </nav>
 
-      {/* ── work area ───────────────────────────────────────── */}
+          <div className="ml-auto flex items-center gap-2 shrink-0">
-      <div className="flex-1 min-w-0 flex flex-col">
+            <span className="hidden xl:flex items-center gap-2 bg-white/10 rounded-[8px] px-3 py-1.5 text-[12px] text-white/55 w-[210px]">
-        <header className="bg-white border-b border-slate-200 px-6 py-2.5 flex items-center gap-3 sticky top-0 z-30">
+              <Search size={13} />
-          <div className="min-w-0">
+              Search enterprise or ID…
-            <div className="text-[13.5px] font-bold text-forest leading-tight">Portfolio overview</div>
+            </span>
-            <div className="text-[10.5px] text-slate-500 truncate">
-              {block === ALL_BLOCKS ? (session?.branch ?? 'All blocks') : `${block} block`} · {monthRef(new Date(`${month}-01T00:00:00`)).fullEn}
-            </div>
-          </div>
-
-          <div className="ml-auto flex items-center gap-2">
-            <FreshnessChip />
-
-            <select
-              value={block}
-              onChange={(e) => setBlock(e.target.value)}
-              className="border border-slate-300 rounded-md px-2 py-1 text-[11.5px] bg-white outline-none focus:border-green"
-              aria-label="Block scope"
-            >
-              <option value={ALL_BLOCKS}>All blocks</option>
-              {BLOCKS.map((b) => (
-                <option key={b} value={b}>
-                  {b}
-                </option>
-              ))}
-            </select>
-
-            <select
-              value={month}
-              onChange={(e) => setMonth(e.target.value)}
-              className="border border-slate-300 rounded-md px-2 py-1 text-[11.5px] bg-white outline-none focus:border-green"
-              aria-label="Month scope"
-            >
-              {months.map((m) => (
-                <option key={m.key} value={m.key}>
-                  {m.fullEn}
-                </option>
-              ))}
-            </select>
 
             <NavLink
               to="/officer/alerts"
-              className="relative w-8 h-8 grid place-items-center rounded-full hover:bg-slate-100"
+              onClick={close}
+              className="relative w-8 h-8 grid place-items-center rounded-[8px] bg-white/10 hover:bg-white/20 text-white"
               aria-label={`${openAlerts} open alerts`}
             >
-              <span className="text-[14px]">🔔</span>
+              <Bell size={15} />
-              {openAlerts > 0 && <span className="absolute top-1 right-1 w-2 h-2 rounded-full bg-risk-red" />}
+              {openAlerts > 0 && (
+                <span className="absolute top-1 right-1 w-[6px] h-[6px] rounded-full bg-risk-red" />
+              )}
             </NavLink>
 
-            <div className="flex items-center gap-2 pl-2 border-l border-slate-200">
+            <UserMenu
-              <span className="w-7 h-7 rounded-full bg-forest text-white grid place-items-center text-[10.5px] font-bold">
+              name={name}
-                {initials}
+              role={(session?.role ?? 'FIELD_OFFICER').replace(/_/g, ' ').toLowerCase().replace(/^./, (c) => c.toUpperCase())}
-              </span>
+              initials={initials}
-              <div className="leading-tight">
+              open={openMenu === '__user'}
-                <div className="text-[11.5px] font-semibold text-slate-700">{session?.fullName ?? 'Field Officer'}</div>
+              onToggle={() => toggle('__user')}
-                <div className="text-[9.5px] text-slate-400">Field Officer</div>
+              onClose={close}
-              </div>
+              onSignOut={signOut}
-              <button onClick={signOut} className="text-[10.5px] text-slate-400 hover:text-risk-red ml-1">
+            />
-                Sign out
+          </div>
-              </button>
+        </div>
+
+        {/* ── scope row: what everything below is about ─────────── */}
+        <div className="bg-white border-b border-line px-5 h-[54px] flex items-center gap-3">
+          <div className="min-w-0">
+            <div className="text-[14.5px] font-bold text-ink leading-tight tracking-[-0.015em]">
+              {crumb.title}
+            </div>
+            <div className="text-[11px] text-ink-3 truncate">
+              {block === ALL_BLOCKS ? (session?.branch ?? 'All blocks') : `${block} block`} ·{' '}
+              {monthRef(new Date(`${month}-01T00:00:00`)).fullEn} · {crumb.sub}
             </div>
           </div>
-        </header>
 
-        <main className="flex-1 px-6 py-4 max-w-[1560px] w-full">
+          <div className="ml-auto flex items-center gap-2 shrink-0">
-          <Outlet />
+            {/* weekly visit progress, which used to live in the sidebar */}
-        </main>
+            <span
+              className="hidden lg:flex items-center gap-2 text-[10.5px] text-ink-3"
+              title="High-risk visits done this week"
+            >
+              <span className="font-semibold text-ink-2 num">
+                {progress.done}/{progress.target}
+              </span>
+              <span className="w-16 h-[5px] rounded-full bg-surface-3 overflow-hidden">
+                <span
+                  className="block h-full rounded-full bg-green"
+                  style={{ width: `${Math.min(100, (progress.done / progress.target) * 100)}%` }}
+                />
+              </span>
+              visits
+            </span>
 
-        <footer className="text-center text-[10px] text-slate-400 py-3 font-mono">
+            <FreshnessChip />
-          UdyamLinc · Predicting stress. Protecting enterprises. — Team LincFusion, LincPay Solutions Pvt. Ltd.
+
-        </footer>
+            <MenuSelect
-      </div>
+              label="Block"
+              value={block}
+              onChange={setBlock}
+              minWidth={124}
+              options={[
+                { value: ALL_BLOCKS, label: 'All blocks', hint: `${BLOCKS.length} blocks in scope` },
+                ...BLOCKS.map((b) => ({ value: b as string, label: b, hint: `${b} block only` })),
+              ]}
+            />
+
+            <MenuSelect
+              label="Month"
+              value={month}
+              onChange={setMonth}
+              minWidth={130}
+              options={months.map((m) => ({ value: m.key, label: m.fullEn }))}
+            />
+          </div>
+        </div>
+      </header>
+
+      <main className="flex-1 px-5 py-4 w-full ul-pane">
+        <Outlet />
+      </main>
+
+      <footer className="text-center text-[10px] text-ink-3 py-3 font-mono">
+        UdyamLinc · Predicting stress. Protecting enterprises. — Team LincFusion, LincPay Solutions Pvt. Ltd.
+      </footer>
     </div>
   )
 }

src/features/officer/ReportsPage.tsx

@@ -1,20 +1,31 @@
-import { Card, GhostBtn, KpiTile } from '../../components/ui/bits'
+import { useQuery } from '@tanstack/react-query'
+import { ARM_LABEL, fetchModelMetrics } from '../../lib/api'
+import { Card, GhostBtn, KpiTile, Unavailable } from '../../components/ui/bits'
 import { ModelComparisonBar } from '../../components/charts/ModelComparisonBar'
 import { SECTORS } from '../../lib/demo/enterprises'
-import { BENCHMARKS, alertsFor, scopedEnterprises, sectorRollup, visitsFor } from '../../lib/demo/ops'
+import { sectorRollup } from '../../lib/demo/ops'
+import { useTenantAlerts, useTenantEnterprises, useTenantVisits } from './useTenantData'
 import { exportCsv } from '../../lib/csv'
 import { useScope } from './officerScope'
 
 /**
- * MIS exports and the supervisory pack. The model figures are the ones the deck
+ * MIS exports and the supervisory pack.
- * publishes — measured on the simulated 2,400-enterprise dataset, not on live
+ * <p>Model figures are read from `model_metric` — written by the backtest that
- * institutional data, and labelled as such.
+ * produced them, and carrying the share of synthetic labels they were measured
+ * against. They were four hard-coded constants until 2026-08-24.
  */
+/** Two decimals, or an em dash. A metric that was not computed must not print 0.00. */
+function fmt(v: number | undefined): string {
+  return typeof v === "number" ? v.toFixed(3) : "—"
+}
+
 export function ReportsPage() {
   const { block, month } = useScope()
-  const enterprises = scopedEnterprises(block)
+  // Exports carry borrower rows, so they come from the scoped API. An export is
-  const alerts = alertsFor(block)
+  // the most consequential place to get tenancy wrong: a CSV leaves the building.
-  const visits = visitsFor(block)
+  const { rows: enterprises, unavailable, retry } = useTenantEnterprises(block)
+  const { rows: alerts } = useTenantAlerts(block)
+  const { rows: visits } = useTenantVisits(block)
 
   const REPORTS: { name: string; detail: string; run: () => void }[] = [
     {
@@ -73,48 +84,113 @@ export function ReportsPage() {
         exportCsv(
           `udyam-sectors-${block}-${month}.csv`,
           ['Sector', 'Enterprises', 'High risk', 'Watch', 'Standard', 'Average score'],
-          sectorRollup(block).map((s) => [s.label, s.count, s.red, s.watch, s.standard, s.avgScore]),
+          sectorRollup(block, enterprises).map((s) => [s.label, s.count, s.red, s.watch, s.standard, s.avgScore]),
         ),
     },
   ]
 
+  const metricsQ = useQuery({ queryKey: ['model-metrics'], queryFn: fetchModelMetrics })
+  const metrics = metricsQ.data
+
+  // The winning arm is whichever non-baseline scored best by PR-AUC — the same
+  // rule the trainer uses to pick, so the headline agrees with the artifact.
+  const models = Object.entries(metrics?.arms ?? {}).filter(([, a]) => !a.baseline)
+  const [bestKey, best] = models.sort((a, b) => (b[1].pr_auc ?? 0) - (a[1].pr_auc ?? 0))[0] ?? []
+  const bestLabel = bestKey ? (ARM_LABEL[bestKey] ?? bestKey).replace('UdyamLinc — ', '') : '—'
+  const syntheticPct = Math.round((metrics?.syntheticLabelShare ?? 0) * 100)
+  const basePct = metrics?.datasetRows
+    ? ((metrics.datasetPositives ?? 0) / metrics.datasetRows * 100).toFixed(1)
+    : '—'
+
+  if (unavailable) return <Unavailable what="Reports" onRetry={retry} />
+
   return (
     <div className="space-y-4">
-      <div className="flex flex-wrap gap-3">
+      {/*
-        <KpiTile label="AUC-ROC · 90-day stress" value={BENCHMARKS.aucRoc.toFixed(2)} delta="full signal set" tone="good" />
+        Every figure below is read from `model_metric`, written by the backtest
-        <KpiTile label="Median lead time" value={`${BENCHMARKS.medianLeadTimeMonths} mo`} delta="before first missed instalment" />
+        that produced it. This block used to render four constants from
-        <KpiTile label="Alert precision · Red band" value={BENCHMARKS.alertPrecisionRed.toFixed(2)} delta="cost of a false positive is one visit" tone="watch" />
+        `lib/demo/ops.ts` — an AUC of 0.87 nothing had computed, and an on-device
-        <KpiTile label="On-device scoring" value={`< ${BENCHMARKS.onDeviceLatencyMs} ms`} delta="zero connectivity" />
+        latency for inference that does not run on a device. A juror asking "how
-      </div>
+        did you arrive at that?" would have been shown a literal.
+      */}
+      {!metrics?.available && (
+        <div className="ul-card p-5">
+          <p className="text-[13px] font-semibold text-ink">No backtest has been run yet</p>
+          <p className="text-[11.5px] text-ink-3 mt-1 max-w-[62ch] leading-snug">
+            {metrics?.message ??
+              'Model quality figures appear here once a backtest has written to model_metric. Nothing is shown in the meantime — a placeholder number is how an unmeasured claim ends up on a slide.'}
+          </p>
+        </div>
+      )}
 
-      <div className="grid gap-4 lg:grid-cols-2">
+      {metrics?.available && (
-        <Card title="Model comparison — 90-day stress detection (AUC-ROC)">
+        <>
-          <div className="p-4">
+          <div className="flex flex-wrap gap-3">
-            <ModelComparisonBar />
+            <KpiTile
-            <p className="text-[10.5px] text-slate-400 mt-2 leading-snug">
+              label="AUC-ROC · 90-day stress"
-              Measured on a simulated {BENCHMARKS.datasetSize.toLocaleString('en-IN')}-enterprise dataset across{' '}
+              value={fmt(best?.auc_roc)}
-              {BENCHMARKS.sectorsCovered} sectors and {BENCHMARKS.districtsCovered} districts. Production calibration
+              delta={`${bestLabel} · expanding-window folds`}
-              will use institutional historical portfolios under a data-sharing agreement.
+              tone="good"
-            </p>
+            />
+            <KpiTile
+              label="PR-AUC"
+              value={fmt(best?.pr_auc)}
+              delta={`base rate ${basePct}% — read this before AUC`}
+              tone="watch"
+            />
+            <KpiTile
+              label="Alert precision · Red band"
+              value={fmt(best?.precision_red)}
+              delta="cost of a false positive is one visit"
+              tone="watch"
+            />
+            <KpiTile
+              label="Training rows"
+              value={(metrics.datasetRows ?? 0).toLocaleString('en-IN')}
+              delta={`${metrics.datasetPositives} positives · ${syntheticPct}% synthetic labels`}
+              tone="red"
+            />
           </div>
-        </Card>
 
-        <Card title="Validation method">
+          <div className="grid gap-4 lg:grid-cols-2">
-          <ul className="p-4 space-y-2.5 text-[12px] text-slate-600">
+            <Card
-            {[
+              title="Model comparison — 90-day stress detection"
-              'Time-series split — no forward leakage across folds.',
+              badge={metrics.modelVersion}
-              'Backtested against simulated stress events.',
+              actions={<span className="text-[10.5px] text-ink-3">AUC-ROC, identical folds</span>}
-              'Precision measured at the Red band, where the cost of a false positive is one visit.',
+            >
-              'Sector packs evaluated independently before pooling.',
+              <div className="p-4">
-            ].map((t) => (
+                <ModelComparisonBar arms={metrics.arms ?? {}} />
-              <li key={t} className="flex gap-2.5">
+                <p className="text-[10.5px] text-ink-3 mt-2 leading-snug">
-                <span className="w-1.5 h-1.5 rounded-full bg-green mt-1.5 shrink-0" />
+                  Grey bars are single features, not models. Measured on {metrics.datasetRows?.toLocaleString('en-IN')}{' '}
-                {t}
+                  rows across 21 monthly as-of dates, {metrics.datasetPositives} of them positive.{' '}
-              </li>
+                  <b className="text-ink-2">
-            ))}
+                    {syntheticPct}% of labels are generated DPD history
-          </ul>
+                  </b>
-        </Card>
+                  , so these figures measure the generator as much as the borrowers. Production calibration needs a
-      </div>
+                  partner bank's repayment record.
+                </p>
+              </div>
+            </Card>
+
+            <Card title="What this does and does not show" badge="read with the numbers">
+              <ul className="p-4 space-y-2.5 text-[12px] text-ink-2">
+                {[
+                  `Validation: ${metrics.validation ?? 'expanding-window time-series split'} — no forward leakage across folds, and the point-in-time columns make that checkable rather than asserted.`,
+                  'PR-AUC is the honest headline at a 4% positive rate. AUC-ROC is flattered by the majority class.',
+                  'The two grey arms are one feature each. A model that only matches them has not yet earned its complexity.',
+                  'dscr_p10 and dscr_p50 are excluded from training: both read the current forecast at every past date.',
+                  'Labels are generated. No figure here is calibrated against a real default.',
+                ].map((t) => (
+                  <li key={t} className="flex gap-2.5">
+                    <span className="w-1.5 h-1.5 rounded-full bg-lp-blue mt-1.5 shrink-0" />
+                    {t}
+                  </li>
+                ))}
+              </ul>
+            </Card>
+          </div>
+        </>
+      )}
 
       <Card title="MIS exports" badge={`${block === 'ALL' ? 'all blocks' : block} · ${month}`}>
         <div className="overflow-x-auto">
@@ -133,7 +209,7 @@ export function ReportsPage() {
                   <td className="font-semibold text-slate-700">{r.name}</td>
                   <td className="whitespace-normal text-slate-600">{r.detail}</td>
                   <td className="text-right text-slate-500">
-                    {[enterprises.length, alerts.length, visits.length, sectorRollup(block).length][i]}
+                    {[enterprises.length, alerts.length, visits.length, sectorRollup(block, enterprises).length][i]}
                   </td>
                   <td className="text-right">
                     <GhostBtn onClick={r.run}>Download CSV</GhostBtn>

src/features/officer/RulesPage.tsx

@@ -4,7 +4,7 @@ import { get } from '../../lib/api'
 import type { FeatureValueRow, RuleOutcome, RuleStatus, TripWireRule } from '../../lib/api'
 import { Card, Empty } from '../../components/ui/bits'
 import { DEMO_FEATURES, DEMO_RULES, demoFeatureValues, demoRuleOutcomes } from '../../lib/demo/feeds'
-import { scopedEnterprises } from '../../lib/demo/ops'
+import { useTenantEnterprises } from './useTenantData'
 import { useScope } from './officerScope'
 
 /**
@@ -19,7 +19,9 @@ import { useScope } from './officerScope'
  */
 export function RulesPage() {
   const { block } = useScope()
-  const enterprises = scopedEnterprises(block)
+  // The picker lists borrowers, so it comes from the scoped API like every
+  // other borrower list in the console.
+  const { rows: enterprises } = useTenantEnterprises(block)
   const [enterpriseId, setEnterpriseId] = useState(enterprises[0]?.enterpriseId ?? 'MSME-4417')
 
   const rulesQ = useQuery({ queryKey: ['rules'], queryFn: () => get<TripWireRule[]>('/admin/rules') })

src/features/officer/SectorPortfolioPage.tsx

@@ -16,7 +16,8 @@ import {
 import { get } from '../../lib/api'
 import type { Band, Enterprise, Sector } from '../../lib/api'
 import { Card, Empty, StatusPill } from '../../components/ui/bits'
-import { BANDS, ENTERPRISES, SECTORS, SECTOR_LIST } from '../../lib/demo/enterprises'
+import { Unavailable } from '../../components/ui/bits'
+import { BANDS, SECTORS, SECTOR_LIST } from '../../lib/demo/enterprises'
 
 /**
  * The portfolio as a bank supervisor thinks about it: sectors first, then the
@@ -60,12 +61,14 @@ export function SectorPortfolioPage() {
   const [term, setTerm] = useState('')
   const [selected, setSelected] = useState<string | null>(null)
 
-  const { data, isError } = useQuery({
+  const { data, isError, refetch } = useQuery({
     queryKey: ['portfolio-enterprises'],
     queryFn: () => get<Enterprise[]>('/officer/enterprises'),
   })
   const demo = isError
-  const all = data ?? ENTERPRISES
+  // Same rule: ENTERPRISES is the unscoped demo book.
+  // Memoised so the derivations below do not recompute on every render.
+  const all = useMemo(() => data ?? [], [data])
 
   const bySector = useMemo(() => {
     const map = new Map<Sector, Enterprise[]>()
@@ -101,6 +104,8 @@ export function SectorPortfolioPage() {
 
   const chosen = rows.find((e) => e.enterpriseId === selected) ?? null
 
+  if (isError || !data) return <Unavailable what="Sector portfolio" onRetry={() => void refetch()} />
+
   return (
     <div className="space-y-4">
       {/* ── header ─────────────────────────────────────── */}

src/features/officer/SettingsPage.tsx

@@ -93,7 +93,7 @@ export function SettingsPage() {
                 type="checkbox"
                 checked={packs[s]}
                 onChange={(e) => setPacks({ ...packs, [s]: e.target.checked })}
-                className="accent-[#0b5d3b]"
+                className="accent-[#2a71b8]"
               />
               <span className="text-[12px] text-slate-700">{SECTORS[s].label}</span>
               <span className="text-[11px] text-slate-400 ml-auto">{SECTORS[s].labelHi}</span>

src/features/officer/VisitsPage.tsx

@@ -1,6 +1,7 @@
+import { useQuery } from '@tanstack/react-query'
 import { useState } from 'react'
 import { useNavigate } from 'react-router-dom'
-import { officerSession } from '../../lib/api'
+import { fetchVisits, officerSession } from '../../lib/api'
 import type { FieldVisit, VisitState } from '../../lib/api'
 import {
   ActionChip,
@@ -33,7 +34,11 @@ export function VisitsPage() {
   const navigate = useNavigate()
   const { block } = useScope()
   const officer = officerSession()?.fullName ?? 'Field Officer'
-  const { visits } = useVisits(block, officer)
+  const visitsQ = useQuery({
+    queryKey: ['officer-visits', block],
+    queryFn: () => fetchVisits(block),
+  })
+  const { visits } = useVisits(block, officer, visitsQ.data ?? [])
   const [filter, setFilter] = useState<VisitState | 'ALL'>('ALL')
   const [logging, setLogging] = useState<FieldVisit | null>(null)
 
@@ -133,7 +138,7 @@ function LogOutcomeModal({ visit, onClose }: { visit: FieldVisit; onClose: () =>
   const [note, setNote] = useState('')
 
   function save() {
-    logOutcome(visit.visitId, note.trim() ? `${preset} ${note.trim()}` : preset)
+    logOutcome(visit.visitId, note.trim() ? `${preset} ${note.trim()}` : preset, visit)
     onClose()
   }
 

src/features/officer/useTenantData.ts

@@ -0,0 +1,87 @@
+import { useQuery } from '@tanstack/react-query'
+import { fetchAlerts, fetchEnterprises, fetchVisits, joinAlerts } from '../../lib/api'
+import type { Enterprise, FieldVisit, RiskAlert } from '../../lib/api'
+
+/**
+ * The only sanctioned source of borrower rows in the officer console.
+ *
+ * <h2>Why these exist</h2>
+ *
+ * <p>Every screen here used to fall back to `lib/demo/*` when a request failed,
+ * which reads well until you notice the demo portfolio has no owner on it: the
+ * ids are generated from a formula, and `ops.ts` does not mention institutions
+ * at all. So the fallback listed all 142 fabricated borrowers to whoever was
+ * signed in, and a Madhya Pradesh Gramin officer was shown a Vindhya Small
+ * Finance Bank borrower. Clicking it produced a 404 from the API, which was the
+ * only correct part of the exchange.
+ *
+ * <p>Scoping the demo data was attempted and cannot be done honestly. The
+ * session carries `blocks`, but blocks do not map to banks — Sehore holds both
+ * MPGB and Sehore DCCB, Raisen holds both Sehore DCCB and VSFB, and MPGB's own
+ * block list includes Bhopal, which is entirely VSFB.
+ *
+ * <h2>The rule</h2>
+ *
+ * <p><b>Borrower rows come from the tenant-scoped API or they do not render.</b>
+ * Each hook returns `unavailable` instead of data when the server cannot be
+ * reached, and the screen says so. A console that invents borrowers while the
+ * server is down is worse than one that admits it cannot reach the server —
+ * particularly this console, whose central claim is that a bank's book is
+ * unreachable from another bank's screen.
+ *
+ * <p>Feeds, data sources, connectors and the rule catalogue keep their demo
+ * fallbacks. Nothing in them is a borrower.
+ */
+
+export interface Scoped<T> {
+  rows: T
+  /** The server could not be reached. Render a refusal, never substitute data. */
+  unavailable: boolean
+  loading: boolean
+  retry: () => void
+}
+
+export function useTenantEnterprises(block: string): Scoped<Enterprise[]> {
+  const q = useQuery({
+    queryKey: ['officer-enterprises', block],
+    queryFn: () => fetchEnterprises(block),
+  })
+  return { rows: q.data ?? [], unavailable: q.isError, loading: q.isLoading, retry: () => void q.refetch() }
+}
+
+export function useTenantVisits(block: string): Scoped<FieldVisit[]> {
+  const q = useQuery({
+    queryKey: ['officer-visits', block],
+    queryFn: () => fetchVisits(block),
+  })
+  return { rows: q.data ?? [], unavailable: q.isError, loading: q.isLoading, retry: () => void q.refetch() }
+}
+
+/**
+ * Alerts, with the borrower fields the console reads.
+ *
+ * <p>`risk_alert` stores an enterprise id and nothing else about the borrower, so
+ * the name, sector and block are joined from the enterprise list. Both lists are
+ * server-scoped to the caller's institution, so intersecting them stays scoped —
+ * and an alert whose borrower is not on this book resolves to nothing and is
+ * dropped rather than rendered with a blank name.
+ */
+export function useTenantAlerts(block: string): Scoped<RiskAlert[]> {
+  const alerts = useQuery({
+    queryKey: ['officer-alerts', block],
+    queryFn: () => fetchAlerts(block),
+  })
+  const ents = useQuery({
+    queryKey: ['officer-enterprises', block],
+    queryFn: () => fetchEnterprises(block),
+  })
+  return {
+    rows: joinAlerts(alerts.data ?? [], ents.data ?? []),
+    unavailable: alerts.isError || ents.isError,
+    loading: alerts.isLoading || ents.isLoading,
+    retry: () => {
+      void alerts.refetch()
+      void ents.refetch()
+    },
+  }
+}

src/index.css

@@ -1,58 +1,115 @@
 @import "tailwindcss";
 
 /*
- * UdyamLinc design tokens
+ * UdyamLinc design tokens — LincPay product design system
- * Layout language: BharatLinc / CBSNexora (LincPay console family)
+ * Source of truth: udyamlincdesign.html (brand system view).
- * Brand palette: UdyamLinc deck — forest #0B5D3B, green #1E7A46, amber #E8A020
+ *
+ * The palette is sampled from the LincPay logo: blue #2a71b8 carries interaction
+ * (active nav, primary action, focus), green #28ae64 carries health and success,
+ * and brand-deep #0b4a37 carries chrome. Risk keeps its own three-colour scale,
+ * separate from brand, because a band must never be read as a brand accent.
+ *
+ * Existing screens address these through semantic Tailwind names — `text-forest`,
+ * `bg-green-soft`, `band-watch` — so the whole console re-skins from this block
+ * rather than from twenty files.
  */
 @theme {
-  --color-forest-deep: #06301f;
+  /* brand chrome */
-  --color-forest: #0b5d3b;
+  --color-forest-deep: #072e22;
-  --color-forest-mid: #0f6f47;
+  --color-forest: #0b4a37;
-  --color-green: #1e7a46;
+  --color-forest-mid: #0e5c44;
-  --color-green-hi: #3fb871;
-  --color-green-soft: #eaf5ef;
-  --color-amber: #e8a020;
-  --color-amber-hi: #f2b544;
-  --color-amber-soft: #fdf4e3;
-  --color-risk-red: #c0392b;
-  --color-risk-soft: #fdeceb;
-  --color-ink: #17321f;
-  --color-tagline: #6b8477;
 
-  --font-sans: "Segoe UI", Roboto, -apple-system, "Helvetica Neue", Arial, sans-serif;
+  /* interaction — LincPay blue */
+  --color-lp-blue: #2a71b8;
+  --color-lp-blue-d: #215a94;
+  --color-lp-blue-l: #4a8dd0;
+  --color-lp-blue-soft: #e9f1fa;
+
+  /* health — LincPay green */
+  --color-green: #28ae64;
+  --color-green-d: #1f8b50;
+  --color-green-hi: #4cc582;
+  --color-green-soft: #e7f6ee;
+
+  /* watch */
+  --color-amber: #e08019;
+  --color-amber-hi: #f0ae5c;
+  --color-amber-soft: #fdf3e6;
+
+  /* risk */
+  --color-risk-red: #c0392b;
+  --color-risk-soft: #fbecea;
+
+  /* ink and line */
+  --color-ink: #0d1418;
+  --color-ink-2: #4d5a63;
+  --color-ink-3: #87939c;
+  --color-line: #e2e7ec;
+  --color-line-s: #c8d1d9;
+  --color-page: #f4f6f8;
+  --color-surface-2: #fafbfc;
+  --color-surface-3: #eff2f5;
+  --color-tagline: #87939c;
+
+  --radius-card: 12px;
+
+  --font-sans: system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
   --font-mono: "Cascadia Mono", ui-monospace, "Roboto Mono", Consolas, monospace;
 }
 
-body {
+:root {
-  @apply bg-[#f4f7f5] text-slate-900 font-sans text-[13px] antialiased;
+  /* Shadows are three fixed steps in the design; keep them as raw vars so a
+     component can reach for one without inventing its own blur. */
+  --sh: 0 1px 2px rgba(13, 20, 24, 0.06), 0 1px 3px rgba(13, 20, 24, 0.04);
+  --sh2: 0 4px 14px rgba(13, 20, 24, 0.09);
+  --sh3: 0 14px 36px rgba(13, 20, 24, 0.16);
 }
 
-/* Modern data table — same rhythm as BharatLinc's .bl-table */
+body {
+  @apply bg-page text-ink font-sans text-[13px] antialiased;
+}
+
+/* Tabular figures wherever a number is compared down a column. */
+.num,
+.mn {
+  font-variant-numeric: tabular-nums;
+}
+
+/* Data table */
 .ul-table { @apply w-full border-collapse text-[12.5px]; }
 .ul-table thead th {
-  @apply bg-slate-50 text-[9.5px] uppercase tracking-[0.06em] text-slate-500 text-left px-3.5 py-2 border-b border-slate-200 whitespace-nowrap font-semibold;
+  @apply bg-surface-2 text-[10px] uppercase tracking-[0.07em] text-ink-3 text-left px-4 py-2 border-b border-line whitespace-nowrap font-bold;
 }
-.ul-table tbody td { @apply px-3.5 py-2 border-b border-slate-100 whitespace-nowrap; }
+.ul-table tbody td { @apply px-4 py-2.5 border-b border-line whitespace-nowrap align-middle; }
-.ul-table tbody tr:nth-child(even) { @apply bg-[#fafbfa]; }
+.ul-table tbody tr:last-child td { @apply border-b-0; }
-.ul-table tbody tr:hover { @apply bg-[#f0f8f3]; }
+.ul-table tbody tr:hover { @apply bg-surface-2; }
+.ul-table tbody tr.sel { @apply bg-lp-blue-soft; }
 
 /* status pill with leading dot */
-.pill { @apply inline-flex items-center gap-1.5 text-[10.5px] font-semibold px-2.5 py-0.5 rounded-[10px]; }
+.pill { @apply inline-flex items-center gap-1.5 text-[11px] font-bold px-2 py-0.5 rounded-[20px] leading-[1.6]; }
-.pill::before { content: ""; @apply w-1.5 h-1.5 rounded-full bg-current; }
+.pill::before { content: ""; @apply w-[5px] h-[5px] rounded-full bg-current shrink-0; }
-.pill-ok   { @apply bg-emerald-50 text-emerald-600; }
+.pill-ok   { @apply bg-green-soft text-[#186b3d]; }
-.pill-pend { @apply bg-amber-50 text-amber-600; }
+.pill-pend { @apply bg-amber-soft text-[#8a4e05]; }
-.pill-info { @apply bg-blue-50 text-blue-600; }
+.pill-info { @apply bg-lp-blue-soft text-lp-blue; }
-.pill-bad  { @apply bg-red-50 text-red-600; }
+.pill-bad  { @apply bg-risk-soft text-[#9c2b1f]; }
-.pill-mut  { @apply bg-slate-100 text-slate-500; }
+.pill-mut  { @apply bg-surface-3 text-ink-2; }
 
 /* Risk bands — the three states every screen speaks in */
-.band-red      { @apply bg-risk-soft text-risk-red; }
+.band-red      { @apply bg-risk-soft text-[#9c2b1f]; }
-.band-watch    { @apply bg-amber-soft text-amber; }
+.band-watch    { @apply bg-amber-soft text-[#8a4e05]; }
-.band-standard { @apply bg-green-soft text-green; }
+.band-standard { @apply bg-green-soft text-[#186b3d]; }
 
 /* Card chrome shared by console + PWA */
-.ul-card { @apply bg-white border border-slate-200 rounded-lg; }
+.ul-card {
+  @apply bg-white border border-line rounded-card;
+  box-shadow: var(--sh);
+}
+
+/* Header dropdown panel — the officer console's grouped nav */
+.ul-menu {
+  @apply bg-white border border-line rounded-card overflow-hidden;
+  box-shadow: var(--sh3);
+}
 
 /* Enterprise PWA: bottom tab bar sits above the home indicator */
 .ul-safe-bottom { padding-bottom: env(safe-area-inset-bottom, 0px); }
@@ -61,6 +118,165 @@ body {
 .ul-blink { animation: ul-blink 1.2s infinite; }
 @keyframes ul-roll { from { transform: translateX(0); } to { transform: translateX(-50%); } }
 .ul-tape { animation: ul-roll 28s linear infinite; }
+@keyframes ul-fade { from { opacity: 0; transform: translateY(3px); } to { opacity: 1; } }
+.ul-pane { animation: ul-fade 0.18s ease; }
 @media (prefers-reduced-motion: reduce) {
-  .ul-tape, .ul-blink { animation: none; }
+  .ul-tape, .ul-blink, .ul-pane { animation: none; }
 }
+
+
+/* ==================================================================
+ * Officer dashboard
+ *
+ * Scoped under `.gf`. The layout is the change here, not the palette:
+ * the screen is organised by *when* a borrower's downside stops covering
+ * the instalment, because lead time is the thing this platform can show
+ * that a bureau score cannot.
+ *
+ * It stays light. Two dark treatments were tried and both read as a
+ * different application dropped inside twenty light screens — a dashboard
+ * is not a place to spend that inconsistency.
+ *
+ * Severity keeps the three meanings it carries everywhere else. The
+ * accent stays LincPay blue.
+ * ================================================================== */
+
+.gf { display: flex; flex-direction: column; gap: 14px; }
+.gf .num { font-variant-numeric: tabular-nums; }
+
+/* ── triage funnel ─────────────────────────────────────────────
+   One strip, four segments, urgency decreasing left to right. A row of
+   separate tiles counting bands reads as a census; this reads as a queue. */
+.gf-triage {
+  display: grid; gap: 1px;
+  grid-template-columns: repeat(auto-fit, minmax(170px, 1fr));
+  background: var(--color-line);
+  border: 1px solid var(--color-line);
+  border-radius: var(--radius-card); overflow: hidden;
+  box-shadow: var(--sh);
+}
+.gf-seg {
+  background: #fff; padding: 15px 17px 14px; text-align: left; position: relative;
+  transition: background .18s; cursor: pointer; border: none; color: inherit; font: inherit;
+}
+.gf-seg::after {
+  content: ""; position: absolute; inset: auto 0 0 0; height: 3px;
+  background: var(--seg, var(--color-ink-3));
+}
+.gf-seg:hover { background: var(--color-surface-2); }
+.gf-seg.is-on { background: var(--seg-soft, var(--color-surface-3)); }
+.gf-seg.is-on::after { height: 5px; }
+.gf-now    { --seg: var(--color-risk-red); --seg-soft: var(--color-risk-soft); }
+.gf-window { --seg: var(--color-amber);    --seg-soft: var(--color-amber-soft); }
+.gf-watch  { --seg: var(--color-lp-blue);  --seg-soft: var(--color-lp-blue-soft); }
+.gf-clear  { --seg: var(--color-green);    --seg-soft: var(--color-green-soft); }
+.gf-seg-label {
+  display: block; font-size: 10px; letter-spacing: .09em; text-transform: uppercase;
+  color: var(--color-ink-3); font-weight: 700;
+}
+.gf-seg-val {
+  display: block; font-size: 32px; font-weight: 700; line-height: 1.05;
+  letter-spacing: -.03em; margin: 5px 0 2px; color: var(--seg);
+  font-variant-numeric: tabular-nums;
+}
+.gf-seg-cap { display: block; font-size: 11.5px; color: var(--color-ink-3); }
+
+/* ── cards ─────────────────────────────────────────────────────── */
+.gf-card {
+  background: #fff; border: 1px solid var(--color-line);
+  border-radius: var(--radius-card); padding: 16px 18px; box-shadow: var(--sh);
+}
+.gf-row2 { display: grid; gap: 14px; grid-template-columns: 1.7fr 1fr; align-items: stretch; }
+/* The chart card fills the row rather than leaving a well beneath it: the side
+   column stacks three cards and is always the taller of the two. */
+.gf-row2 > .gf-card { display: flex; flex-direction: column; }
+.gf-side { display: grid; gap: 14px; align-content: start; }
+.gf-mini { padding: 14px 16px; }
+@media (max-width: 1000px) { .gf-row2 { grid-template-columns: 1fr; } }
+
+.gf-head { display: flex; align-items: baseline; gap: 10px; flex-wrap: wrap; margin-bottom: 13px; }
+.gf-head h2 {
+  font-size: 13.5px; font-weight: 600; letter-spacing: -.012em; margin: 0;
+  display: flex; align-items: center; gap: 7px; color: var(--color-ink);
+}
+.gf-head span { font-size: 11.5px; color: var(--color-ink-3); }
+.gf-link {
+  margin-left: auto; font-size: 11.5px; font-weight: 600; color: var(--color-lp-blue);
+  background: none; border: none; cursor: pointer; padding: 0;
+}
+.gf-link:hover { text-decoration: underline; }
+
+/* ── lead-time bars ────────────────────────────────────────────── */
+.gf-bars { display: grid; grid-template-columns: repeat(6, 1fr); gap: 10px; flex: 1; min-height: 160px; }
+.gf-bar { display: flex; flex-direction: column; align-items: center; gap: 5px; min-height: 0; }
+.gf-bar-n { font-size: 12.5px; font-weight: 700; color: var(--color-ink-2); height: 15px; }
+.gf-bar-track {
+  flex: 1; width: 100%; display: flex; align-items: flex-end;
+  background: var(--color-surface-3); border-radius: 6px; overflow: hidden;
+}
+.gf-bar-fill { width: 100%; border-radius: 6px; background: var(--color-line-s); transition: height 1s cubic-bezier(.2,.8,.2,1); }
+.gf-bar-fill.is-now    { background: var(--color-risk-red); }
+.gf-bar-fill.is-window { background: var(--color-amber); }
+.gf-bar-x { font-size: 10.5px; color: var(--color-ink-3); }
+
+.gf-note {
+  display: flex; gap: 7px; align-items: flex-start; margin: 13px 0 0;
+  font-size: 11.5px; color: var(--color-ink-3); line-height: 1.5; max-width: 64ch;
+}
+.gf-note-sm { margin-top: 10px; font-size: 10.5px; }
+
+/* ── key/value mini cards ──────────────────────────────────────── */
+.gf-kv { display: grid; gap: 9px; margin: 0; }
+.gf-kv > div { display: flex; align-items: baseline; gap: 10px; }
+.gf-kv dt { font-size: 11.5px; color: var(--color-ink-3); }
+.gf-kv dd {
+  margin: 0 0 0 auto; font-size: 13px; font-weight: 700; color: var(--color-ink);
+  font-variant-numeric: tabular-nums;
+}
+.gf-kv dd small { font-weight: 500; color: var(--color-ink-3); }
+.gf-kv dd.is-stale { color: var(--color-amber); }
+.gf-kv dd.is-live { color: var(--color-green); font-family: var(--font-mono); font-size: 11.5px; }
+
+/* ── work list ─────────────────────────────────────────────────── */
+.gf-list {
+  list-style: none; margin: 0; padding: 0; display: grid; gap: 1px;
+  background: var(--color-line); border: 1px solid var(--color-line);
+  border-radius: 10px; overflow: hidden;
+}
+.gf-item { display: flex; align-items: stretch; gap: 12px; padding: 11px 13px; background: #fff; transition: background .15s; }
+.gf-item:hover { background: var(--color-surface-2); }
+.gf-item-main {
+  flex: 1; display: flex; gap: 12px; align-items: center; text-align: left;
+  background: none; border: none; color: inherit; font: inherit; cursor: pointer;
+  padding: 0; min-width: 0;
+}
+.gf-score {
+  width: 40px; height: 40px; border-radius: 11px; display: grid; place-items: center;
+  flex: none; font-size: 14.5px; border: 1px solid;
+}
+.gf-score.is-red   { background: var(--color-risk-soft);  color: #9c2b1f; border-color: rgba(192,57,43,.22); }
+.gf-score.is-watch { background: var(--color-amber-soft); color: #8a4e05; border-color: rgba(224,128,25,.24); }
+.gf-score.is-ok    { background: var(--color-green-soft); color: #186b3d; border-color: rgba(40,174,100,.22); }
+.gf-item-body { min-width: 0; }
+.gf-item-top { display: flex; align-items: baseline; gap: 9px; flex-wrap: wrap; }
+.gf-item-top b { font-size: 13px; font-weight: 700; color: var(--color-ink); }
+.gf-meta { font-size: 11px; color: var(--color-ink-3); }
+.gf-when {
+  display: inline-flex; align-items: center; gap: 4px; font-size: 10.5px; font-weight: 700;
+  padding: 2px 8px; border-radius: 20px;
+  background: var(--color-amber-soft); color: #8a4e05;
+}
+.gf-when.is-now   { background: var(--color-risk-soft);  color: #9c2b1f; }
+.gf-when.is-clear { background: var(--color-green-soft); color: #186b3d; }
+.gf-why { display: block; font-size: 11.5px; color: var(--color-ink-2); margin-top: 2px; }
+.gf-act {
+  align-self: center; flex: none; font-size: 11.5px; font-weight: 600;
+  padding: 7px 12px; border-radius: 8px; cursor: pointer;
+  background: #fff; color: var(--color-lp-blue);
+  border: 1px solid var(--color-line-s); transition: background .15s, border-color .15s;
+}
+.gf-act:hover { background: var(--color-lp-blue); border-color: var(--color-lp-blue); color: #fff; }
+.gf-empty { font-size: 12.5px; color: var(--color-ink-3); padding: 22px 0; text-align: center; }
+
+.gf button:focus-visible { outline: 2px solid var(--color-lp-blue); outline-offset: 2px; }
+@media (prefers-reduced-motion: reduce) { .gf-bar-fill { transition: none; } }

src/lib/alertStore.ts

@@ -1,6 +1,5 @@
 import { useCallback, useEffect, useState } from 'react'
 import type { AlertState, RiskAlert } from './api'
-import { alertsFor } from './demo/ops'
 
 /*
  * Officer actions on the alert queue.
@@ -51,7 +50,19 @@ export function setAlertState(alert: RiskAlert, to: AlertState, actor: string, n
 }
 
 /** The alert queue for a block, with any officer actions applied on top. */
-export function useAlerts(block: string) {
+/**
+ * Live alerts with local dispositions overlaid.
+ *
+ * <p>The rows are supplied by the caller, never fetched here, and there is no
+ * demo fallback: `/officer/alerts` filters through the caller.s own institution
+ * before returning anything, while the in-file demo portfolio has no owner on it
+ * at all. This hook used to call `alertsFor(block)` directly, which listed
+ * borrowers from every bank on the platform to whoever was signed in.
+ *
+ * <p>Acknowledge / escalate / snooze still live in local storage — they are demo
+ * gestures, not writes — so they are merged over whatever the server returned.
+ */
+export function useAlerts(block: string, source: RiskAlert[]) {
   const [version, setVersion] = useState(0)
 
   const bump = useCallback(() => setVersion((v) => v + 1), [])
@@ -64,7 +75,8 @@ export function useAlerts(block: string) {
   const states = readStates()
   // `version` is read so the memo-free derivation re-runs after every action.
   void version
-  const alerts = alertsFor(block).map((a) => ({ ...a, state: states[a.alertId] ?? a.state }))
+  void block
+  const alerts = source.map((a) => ({ ...a, state: states[a.alertId] ?? a.state }))
 
   return { alerts, audit: readAudit() }
 }

src/lib/api.ts

@@ -1,8 +1,43 @@
 import axios from 'axios'
 
-/** udyamlinc-backend — Spring Boot skeleton, context path /api/v1/udyam. */
+declare global {
-export const API_BASE =
+  interface Window {
-  import.meta.env.VITE_UDYAM_API_BASE_URL ?? 'http://udyamlinc-backend.lincpay/api/v1/udyam'
+    __UDYAM_CONFIG__?: { apiBaseUrl?: string }
+  }
+}
+
+/**
+ * Where the API lives — resolved at runtime, not frozen into the bundle.
+ *
+ * <p>Precedence, highest first:
+ *
+ * 1. `window.__UDYAM_CONFIG__.apiBaseUrl` from `public/config.js`, which is served
+ *    unbundled and can be edited on the server. This is what lets the backend be
+ *    deployed first and the UI pointed at it afterwards, without a rebuild.
+ * 2. `VITE_UDYAM_API_BASE_URL`, inlined at build time — still useful for `npm run
+ *    dev` against a local backend.
+ * 3. `/api/v1/udyam` — relative, so the bundle carries no hostname, works from any
+ *    domain, and is same-origin with the API that nginx or httpd proxies. Being
+ *    same-origin also means CORS never applies, which removes the largest single
+ *    source of works-locally-fails-deployed.
+ *
+ * <p>An empty or whitespace-only value counts as unset. A deployment that writes
+ * `apiBaseUrl: ""` into config.js means "use the default", and treating that as a
+ * real base would send every request to the page's own URL.
+ */
+function resolveApiBase(): string {
+  const runtime = window.__UDYAM_CONFIG__?.apiBaseUrl
+  if (typeof runtime === 'string' && runtime.trim() !== '') {
+    return runtime.trim().replace(/\/+$/, '')
+  }
+  const compiled = import.meta.env.VITE_UDYAM_API_BASE_URL
+  if (typeof compiled === 'string' && compiled.trim() !== '') {
+    return compiled.trim().replace(/\/+$/, '')
+  }
+  return '/api/v1/udyam'
+}
+
+export const API_BASE = resolveApiBase()
 
 /** Short timeout: field devices are on patchy 2G and every screen has a local fallback. */
 export const api = axios.create({ baseURL: API_BASE, timeout: 6_000 })
@@ -169,6 +204,11 @@ export interface Enterprise {
   band: Band
   trend: number[] // 6-month score history, oldest first
   lastUpdated: string
+  /** Months until the downside case first misses the instalment; null if never. */
+  firstBreachHorizon?: number | null
+  firstBreachMonth?: string | null
+  topDriver?: string | null
+  topDriverHi?: string | null
 }
 
 /** One month of the quantile forecast. Amounts are net cash position in ₹. */
@@ -780,3 +820,377 @@ export interface BranchCell {
   stressRatePct?: number
   avgScore?: number
 }
+
+/* ------------------------------------------------------------------ */
+/* Enterprise detail — the live shape of GET /officer/enterprises/{id}  */
+/* ------------------------------------------------------------------ */
+
+/**
+ * The stress score as the backend stores it: five flat sub-score columns rather
+ * than a nested object, plus the two fields that say where the number came from.
+ *
+ * <p>`engine` is the one to read carefully. `MODEL` means the gradient-boosted
+ * head produced it; `RULE` means the rule engine did; `RULE_FALLBACK` means the
+ * run was configured for the model and the inference service could not be
+ * reached, so this particular score is rule-derived. A screen that showed all
+ * three as "score" would be hiding exactly the distinction an auditor needs.
+ */
+export interface StressScoreRow {
+  enterpriseId: string
+  score: number
+  band: Band
+  engine: string
+  confidence: number
+  liquidity: number | null
+  behavioural: number | null
+  trendVolatility: number | null
+  obligationLoad: number | null
+  externalShock: number | null
+  computedAt: string | null
+  runId: number | null
+}
+
+/** One SHAP driver as the backend stores it, sentence already rendered. */
+export interface ReasonCodeRow {
+  id: number
+  runId: number
+  enterpriseId: string
+  driver: string
+  driverHi: string
+  weight: number
+  rank: number
+  sentenceEn: string
+  sentenceHi: string
+}
+
+export interface ForecastPointRow {
+  horizon: number
+  month: string
+  p10: number
+  p50: number
+  p90: number
+  obligation: number
+  breach: boolean
+  engine: string
+  modelVersion: string
+  missingInputs: number
+}
+
+export interface EnterpriseDetail {
+  enterprise: Enterprise
+  sector: string
+  district: string
+  score: StressScoreRow | null
+  reasons: ReasonCodeRow[]
+  forecast: ForecastPointRow[]
+  alerts: RiskAlert[]
+  visits: FieldVisit[]
+  ledger: LedgerEntry[]
+}
+
+export async function enterpriseDetail(enterpriseId: string): Promise<EnterpriseDetail> {
+  const wire = await get<EnterpriseDetail>(`/officer/enterprises/${enterpriseId}`)
+  // The server stores `syncedAt` (a timestamp) and has no `syncState` column, so
+  // these rows never satisfied the type they were declared as. Anything on the
+  // server is by definition synced; mapping here keeps that in one place rather
+  // than leaving each screen to discover the mismatch by crashing.
+  return {
+    ...wire,
+    ledger: (wire.ledger ?? []).map((row) => toLedgerEntry(row as unknown as Record<string, unknown>)),
+  }
+}
+
+/**
+ * Did the backend answer, and answer "no"?
+ *
+ * <p>The console's house pattern is to fall back to in-file demo data when a
+ * request fails, so a screen still reads with the backend down. That is right
+ * for a connection error and **wrong for a 404**: cross-tenant reads return 404
+ * deliberately, indistinguishable from a fabricated id, and falling back to demo
+ * data there would render a borrower the caller is forbidden to see. A refusal
+ * has to be honoured, not papered over.
+ */
+export function isNotFound(e: unknown): boolean {
+  return (e as { response?: { status?: number } })?.response?.status === 404
+}
+
+/* ------------------------------------------------------------------ */
+/* Tenant-scoped reads                                                  */
+/* ------------------------------------------------------------------ */
+
+/**
+ * Borrower-bearing endpoints.
+ *
+ * <p>Every one of these is filtered server-side through the caller's own
+ * institution before a row is returned. **There is no demo fallback for any of
+ * them, deliberately.** The in-file demo portfolio has no owner on it — the ids
+ * are generated from a formula — so a screen falling back to it renders
+ * borrowers from every bank at once. That happened, and it is the one failure
+ * this platform cannot afford: the whole apex tier rests on a bank's book being
+ * unreachable from another bank's console.
+ *
+ * <p>When these fail the screen says the portfolio is unavailable. A console
+ * that invents borrowers when the server is down is worse than one that admits
+ * it cannot reach the server.
+ */
+export function fetchAlerts(block: string, state?: string) {
+  return get<RiskAlertRow[]>("/officer/alerts", { block, state })
+}
+
+export function fetchVisits(block: string) {
+  return get<FieldVisit[]>('/officer/visits', { block })
+}
+
+/** Ids on this officer's book that have a phone-app login. */
+export function fetchAppEnrolled(block: string) {
+  return get<string[]>('/officer/app-enrolled', { block })
+}
+
+export function fetchEnterprises(block: string) {
+  return get<Enterprise[]>('/officer/enterprises', { block })
+}
+
+/** The alert exactly as the backend stores it — flat reason, no borrower join. */
+export interface RiskAlertRow {
+  id: number
+  alertId: string
+  enterpriseId: string
+  runId: number | null
+  band: Band
+  score: number
+  origin: AlertOrigin
+  ruleId: number | null
+  title: string
+  titleHi: string | null
+  reasonEn: string | null
+  reasonHi: string | null
+  shortfall: number | null
+  breachMonth: string | null
+  state: AlertState
+  raisedAt: string
+}
+
+/**
+ * Give an alert the borrower fields the console reads.
+ *
+ * <p>`risk_alert` stores an enterprise id and nothing else about the borrower —
+ * correct, because a row should not duplicate a join — and it renders the reason
+ * as two flat strings rather than a nested object. The alert screen wants a name,
+ * a sector and `reason.sentenceEn`. Reading the wire record directly gave
+ * `undefined.sentenceEn` and `SECTORS[undefined]`, which threw.
+ *
+ * <p>The join source is `/officer/enterprises`, which is scoped to the caller's
+ * own institution — so an alert whose borrower is not on this book resolves to
+ * nothing and is dropped rather than rendered with a blank name. Two scoped
+ * lists intersected stay scoped.
+ */
+export function joinAlerts(rows: RiskAlertRow[], enterprises: Enterprise[]): RiskAlert[] {
+  const byId = new Map(enterprises.map((e) => [e.enterpriseId, e]))
+  return rows
+    .map((a) => {
+      const e = byId.get(a.enterpriseId)
+      if (!e) return null
+      return {
+        id: a.id,
+        alertId: a.alertId,
+        enterpriseId: a.enterpriseId,
+        enterpriseName: e.name,
+        sector: e.sector,
+        block: e.block,
+        band: a.band,
+        score: a.score,
+        origin: a.origin,
+        title: a.title,
+        titleHi: a.titleHi ?? a.title,
+        reason: {
+          driver: '',
+          driverHi: '',
+          weight: 0,
+          sentenceEn: a.reasonEn ?? '',
+          sentenceHi: a.reasonHi ?? '',
+        },
+        shortfall: a.shortfall ?? 0,
+        breachMonth: a.breachMonth ?? '',
+        state: a.state,
+        raisedAt: a.raisedAt,
+      } satisfies RiskAlert
+    })
+    .filter((a): a is RiskAlert => a !== null)
+}
+
+/* ------------------------------------------------------------------ */
+/* Model metrics — what the backtest actually measured                  */
+/* ------------------------------------------------------------------ */
+
+/** One arm of the comparison: a trained model, or a single-feature baseline. */
+export interface MetricArm {
+  baseline: boolean
+  auc_roc?: number
+  pr_auc?: number
+  precision_red?: number
+  recall_red?: number
+  brier?: number
+}
+
+/**
+ * The latest backtest, as `model_metric` stored it.
+ *
+ * <p>`available: false` when no backtest has been run — the console says so in
+ * words rather than falling back to a number, which is how a hard-coded 0.87
+ * survived on this page for as long as it did.
+ *
+ * <p>`syntheticLabelShare` is not a footnote. Every DPD label on this book is
+ * generated, so a metric measured against it measures the generator as much as
+ * the borrowers. It arrives on the same payload as the values so the page cannot
+ * render one without the other.
+ */
+export interface ModelMetrics {
+  available: boolean
+  message?: string
+  modelVersion?: string
+  computedAt?: string
+  validation?: string
+  datasetRows?: number
+  datasetPositives?: number
+  syntheticLabelShare?: number
+  arms?: Record<string, MetricArm>
+}
+
+export function fetchModelMetrics() {
+  return get<ModelMetrics>('/admin/model/metrics')
+}
+
+/** Human labels for the arms the backtest writes. */
+export const ARM_LABEL: Record<string, string> = {
+  lightgbm: 'UdyamLinc — LightGBM, full signal set',
+  xgboost: 'UdyamLinc — XGBoost, full signal set',
+  obligation_ratio_only: 'Baseline — instalment ÷ inflow alone',
+  repayment_history_only: 'Baseline — current DPD alone',
+}
+
+/* ------------------------------------------------------------------ */
+/* Enterprise app — the borrower's own surface                         */
+/* ------------------------------------------------------------------ */
+
+/**
+ * `/app/**` is scoped to one enterprise by the token itself: the backend reads
+ * the enterprise id from the JWT subject, not from a parameter, so a borrower
+ * cannot ask for anyone else's record even by editing a request.
+ *
+ * <p>The wire shape differs from the console's in the same way it does
+ * everywhere: `enterprise` carries foreign keys rather than resolved names, and
+ * `advice` arrives as two flat strings.
+ */
+export interface AppHomeWire {
+  enterprise: Record<string, unknown>
+  alert: RiskAlertRow | null
+  forecast: ForecastPointRow[]
+  todayIn: number
+  todayOut: number
+  adviceEn: string | null
+  adviceHi: string | null
+  lastSyncedAt: string | null
+}
+
+export function fetchAppHome() {
+  return get<AppHomeWire>('/app/home')
+}
+
+export function fetchAppLedger() {
+  return get<Record<string, unknown>[]>('/app/ledger')
+}
+
+/** The owner's own reason codes, newest run only. Scoped by the token. */
+export function fetchAppReasons() {
+  return get<ReasonCodeRow[]>('/app/reasons')
+}
+
+export function fetchAppAlerts() {
+  return get<RiskAlertRow[]>('/app/alerts')
+}
+
+/**
+ * Push locally queued entries.
+ *
+ * <p>The offline queue is the point of this app: an owner records a sale with no
+ * signal and it reaches the server when one returns. `clientId` is minted on the
+ * phone so an entry keeps its identity across the sync and cannot be duplicated
+ * by a retry.
+ */
+export interface SyncResult { accepted: number; duplicates: number; syncedAt: string }
+
+export function syncAppLedger(entries: LedgerEntry[]) {
+  return post<SyncResult>(
+    '/app/ledger/sync',
+    entries.map((e) => ({
+      clientId: e.id,
+      kind: e.kind,
+      amount: e.amount,
+      category: e.category,
+      note: e.note,
+      entryDate: e.entryDate,
+    })),
+  )
+}
+
+/**
+ * Grant or withdraw consent for transaction aggregates.
+ *
+ * <p>A real write, not a UI toggle. The consent artefact is the thing that makes
+ * reading a borrower's inflows lawful, so it has to live on the server and be
+ * revocable from the borrower's own device.
+ */
+export function setAppConsent(active: boolean) {
+  return put<Record<string, unknown>>('/app/consent', { active })
+}
+
+/**
+ * Server ledger row → the shape the app is written against.
+ *
+ * <p>The two differ where it matters: the server's `id` is a database key and
+ * its `clientId` is the identity the phone minted, which is the one the app
+ * dedupes on. Mapping `clientId` onto `id` is what lets a synced entry replace
+ * its local copy instead of appearing twice.
+ */
+export function toLedgerEntry(wire: Record<string, unknown>): LedgerEntry {
+  return {
+    id: String(wire.clientId ?? wire.id),
+    enterpriseId: String(wire.enterpriseId ?? ''),
+    kind: (wire.kind ?? 'IN') as LedgerKind,
+    amount: Number(wire.amount ?? 0),
+    category: String(wire.category ?? ''),
+    note: (wire.note as string | null) ?? null,
+    entryDate: String(wire.entryDate ?? ''),
+    syncState: 'SYNCED',
+    createdAt: String(wire.createdAt ?? wire.syncedAt ?? ''),
+  }
+}
+
+// ── Borrower calls with an explicit token ────────────────────────────
+//
+// The shared `api` instance picks its JWT from `window.location.pathname`, which
+// is right for the two portals and wrong for the demo page: it lives at /demo and
+// would send the officer's token to /app/*. Its 401 handler would then clear both
+// sessions and bounce to the sign-in page — during a live demo.
+//
+// So borrower calls made from outside /app go through their own instance: no
+// interceptors, token passed in, failures handled by the caller.
+
+const rawApi = axios.create({ baseURL: API_BASE, timeout: 6_000 })
+
+async function asBorrower<T>(token: string, path: string): Promise<T> {
+  const res = await rawApi.get(path, { headers: { Authorization: `Bearer ${token}` } })
+  return res.data.data as T
+}
+
+/** A real borrower sign-in. The demo page holds the token in memory only. */
+export async function borrowerLogin(enterpriseId: string, pin: string): Promise<EnterpriseSession> {
+  const res = await rawApi.post('/auth/app-login', { enterpriseId, pin })
+  return res.data.data as EnterpriseSession
+}
+
+export const borrower = {
+  home: (t: string) => asBorrower<AppHomeWire>(t, '/app/home'),
+  reasons: (t: string) => asBorrower<ReasonCodeRow[]>(t, '/app/reasons'),
+  ledger: (t: string) => asBorrower<Record<string, unknown>[]>(t, '/app/ledger'),
+}

src/lib/demo/connectors.ts

@@ -41,22 +41,13 @@ export const CANONICAL: CanonicalColumns = {
   ],
 }
 
-const FINACLE: Record<string, string> = {
+/**
-  enterprise_ref: 'ENTITY_REF',
+ * CBSNexora's field names. LincPay's own core banking platform, and the only
-  loan_account_ref: 'CUST_ACCT_ID',
+ * core named anywhere in this system — where a lender runs someone else's, the
-  product: 'SCHM_CODE',
+ * per-profile mapping absorbs their column names without the platform ever
-  sanctioned_amount: 'SANCT_AMT',
+ * needing the product's name.
-  outstanding: 'PRIN_OS',
+ */
-  emi_amount: 'INSTL_AMT',
+const CBSNEXORA: Record<string, string> = {
-  due_date: 'NEXT_DUE_DT',
-  last_paid_date: 'LAST_PAID_DT',
-  dpd: 'DPD_DAYS',
-  bucket: 'ASSET_CLASS',
-  closed: 'ACCT_CLS_FLG',
-  as_of_date: 'EXTRACT_DT',
-}
-
-const CUSTOM: Record<string, string> = {
   enterprise_ref: 'borrowerRef',
   loan_account_ref: 'loanId',
   product: 'productCode',
@@ -86,52 +77,14 @@ export function demoCatalog(): ConnectorCatalogEntry[] {
       suggestedMapping: IDENTITY,
     },
     {
-      vendor: 'FINACLE',
+      vendor: 'CBSNEXORA',
-      displayName: 'Infosys Finacle (simulated)',
+      displayName: 'CBSNexora (simulated)',
-      transport: 'FILE',
-      simulated: true,
-      nativeColumns: [...Object.values(FINACLE), 'CUST_NAME', 'MOBILE_NO', 'BRANCH_CODE', 'CCY'],
-      activationNote:
-        'Finacle exports through a scheduled CRM/Reports extract. A bank enables it, agrees the column list, and the file lands on the drop path.',
-      suggestedMapping: FINACLE,
-    },
-    {
-      vendor: 'FLEXCUBE',
-      displayName: 'Oracle FLEXCUBE (simulated)',
-      transport: 'JDBC',
-      simulated: true,
-      nativeColumns: [
-        'CUSTOMER_REF', 'ACCOUNT_NUMBER', 'PRODUCT_CODE', 'AMOUNT_FINANCED', 'PRINCIPAL_OUTSTANDING',
-        'INSTALMENT_AMOUNT', 'NEXT_DUE_DATE', 'LAST_PAYMENT_DATE', 'OVERDUE_DAYS', 'NPA_STAGE',
-        'ACCOUNT_STATUS', 'VALUE_DATE', 'CUSTOMER_NAME', 'CONTACT_MOBILE', 'BRANCH_CODE',
-      ],
-      activationNote:
-        'Read through a reporting schema or extract view rather than the transaction tables. Needs a read-only account scoped to the loan module.',
-      suggestedMapping: {},
-    },
-    {
-      vendor: 'BANCS',
-      displayName: 'TCS BaNCS (simulated)',
-      transport: 'FILE',
-      simulated: true,
-      nativeColumns: [
-        'PARTY_REF', 'ARRANGEMENT_ID', 'PRODUCT_GROUP', 'LIMIT_AMT', 'OUTSTANDING_BAL', 'EMI',
-        'DUE_DATE', 'PAID_DATE', 'DAYS_OVERDUE', 'CLASSIFICATION', 'STATUS', 'POSITION_DATE',
-        'PARTY_NAME', 'MOBILE', 'BRANCH',
-      ],
-      activationNote:
-        'Cooperative-bank hosted here. A nightly position file is the realistic ask; a live API rarely is in year one.',
-      suggestedMapping: {},
-    },
-    {
-      vendor: 'CUSTOM_API',
-      displayName: 'In-house LMS over REST (simulated)',
       transport: 'REST',
       simulated: true,
-      nativeColumns: [...Object.values(CUSTOM), 'borrowerName', 'borrowerMobile', 'branchCode'],
+      nativeColumns: [...Object.values(CBSNEXORA), 'borrowerName', 'borrowerMobile', 'branchCode'],
       activationNote:
-        'For a lender whose loan management system is their own. One paged read-only endpoint; the mapping absorbs whatever they call the fields.',
+        'CBSNexora exposes one paged, read-only loan endpoint. A lender enables it for the platform’s service account and agrees the field list; the mapping absorbs whatever their deployment calls them.',
-      suggestedMapping: CUSTOM,
+      suggestedMapping: CBSNEXORA,
     },
   ]
 }
@@ -139,21 +92,21 @@ export function demoCatalog(): ConnectorCatalogEntry[] {
 export function demoProfiles(): ConnectorProfileRow[] {
   return [
     {
-      code: 'MPGB-FINACLE',
+      code: 'MPGB-CBSNEXORA',
-      displayName: 'MP Gramin Bank — Finacle nightly extract',
+      displayName: 'MP Gramin Bank — CBSNexora loan API',
-      vendor: 'FINACLE',
+      vendor: 'CBSNEXORA',
-      vendorName: 'Infosys Finacle (simulated)',
+      vendorName: 'CBSNexora (simulated)',
-      transport: 'FILE',
+      transport: 'REST',
       simulated: true,
       activationNote: demoCatalog()[1].activationNote,
       institutionCode: 'MPGB',
-      endpoint: 'loanbook-*.csv',
+      endpoint: 'https://cbsnexora.mpgb.example/api/loans',
       scheduleCron: '0 30 1 * * *',
       autoCommit: false,
       active: true,
       lastSyncAt: '2026-08-07T01:30:00',
       lastStatus: 'PARTIAL',
-      mapping: FINACLE,
+      mapping: CBSNEXORA,
       sourceColumns: demoCatalog()[1].nativeColumns,
     },
     {
@@ -175,22 +128,22 @@ export function demoProfiles(): ConnectorProfileRow[] {
       sourceColumns: [],
     },
     {
-      code: 'VSFB-LMS',
+      code: 'VSFB-CBSNEXORA',
-      displayName: 'Vindhya SFB — in-house LMS over REST',
+      displayName: 'Vindhya SFB — CBSNexora loan API',
-      vendor: 'CUSTOM_API',
+      vendor: 'CBSNEXORA',
-      vendorName: 'In-house LMS over REST (simulated)',
+      vendorName: 'CBSNexora (simulated)',
       transport: 'REST',
       simulated: true,
-      activationNote: demoCatalog()[4].activationNote,
+      activationNote: demoCatalog()[1].activationNote,
       institutionCode: 'VSFB',
-      endpoint: 'https://lms.vindhyasfb.example/api/loans',
+      endpoint: 'https://cbsnexora.vindhyasfb.example/api/loans',
       scheduleCron: '0 15 1 * * *',
       autoCommit: false,
       active: true,
       lastSyncAt: null,
       lastStatus: 'NEVER_RUN',
-      mapping: CUSTOM,
+      mapping: CBSNEXORA,
-      sourceColumns: demoCatalog()[4].nativeColumns,
+      sourceColumns: demoCatalog()[1].nativeColumns,
     },
   ]
 }
@@ -244,8 +197,8 @@ export function demoRuns(): ConnectorSyncRun[] {
     },
     {
       id: 13,
-      profileCode: 'MPGB-FINACLE',
+      profileCode: 'MPGB-CBSNEXORA',
-      vendor: 'FINACLE',
+      vendor: 'CBSNEXORA',
       institutionCode: 'MPGB',
       trigger: 'SCHEDULED',
       triggeredBy: 'scheduler',
@@ -266,8 +219,8 @@ export function demoRuns(): ConnectorSyncRun[] {
     },
     {
       id: 12,
-      profileCode: 'MPGB-FINACLE',
+      profileCode: 'MPGB-CBSNEXORA',
-      vendor: 'FINACLE',
+      vendor: 'CBSNEXORA',
       institutionCode: 'MPGB',
       trigger: 'MANUAL',
       triggeredBy: 'supervisor',

src/lib/demo/enterprises.ts

@@ -43,16 +43,22 @@ export const SECTORS: Record<Sector, { label: string; labelHi: string; short: st
 
 export const SECTOR_LIST = Object.keys(SECTORS) as Sector[]
 
-export const BLOCKS = ['Sehore', 'Vidisha', 'Raisen', 'Bhopal'] as const
+export const BLOCKS = ['Sehore', 'Vidisha', 'Raisen', 'Bhopal', 'Kamrup', 'Nagaon'] as const
 export const BLOCK_DISTRICT: Record<string, string> = {
   Sehore: 'Sehore',
   Vidisha: 'Vidisha',
   Raisen: 'Raisen',
   Bhopal: 'Bhopal',
+  Kamrup: 'Kamrup',
+  Nagaon: 'Nagaon',
 }
 
 /** The six enterprises printed on the wireframe slide — reproduced exactly. */
 const PINNED: { enterpriseId: string; name: string; nameHi: string; sector: Sector; block: string; score: number }[] = [
+  // Kaziranga is the borrower the officer console opens on: score 3, nothing
+  // visibly wrong, and a forecast breach in November. Pinned so the enterprise
+  // app can show the same business from the owner's side.
+  { enterpriseId: 'MSME-6151', name: 'Kaziranga Fruit Farm', nameHi: 'काज़ीरंगा फ्रूट फ़ार्म', sector: 'HORTICULTURE', block: 'Kamrup', score: 3 },
   { enterpriseId: 'MSME-4417', name: 'Sehore Poultry Farm', nameHi: 'सीहोर पोल्ट्री फ़ार्म', sector: 'POULTRY', block: 'Sehore', score: 79 },
   { enterpriseId: 'MSME-3902', name: 'Sharda Dairy Collective', nameHi: 'शारदा डेयरी समूह', sector: 'DAIRY', block: 'Vidisha', score: 71 },
   { enterpriseId: 'MSME-5120', name: 'Anand Food Products', nameHi: 'आनंद फ़ूड प्रोडक्ट्स', sector: 'FOOD_PROC', block: 'Raisen', score: 58 },

src/lib/demo/ops.ts

@@ -11,6 +11,7 @@ import type {
 import type { RiskAlert } from '../api'
 import {
   ENTERPRISES,
+
   SECTORS,
   breachPoint,
   forecastFor,
@@ -27,8 +28,22 @@ import { currentMonthKey, dayOffsetIso, monthRef, pickInt, pickOne, rng, seedOf
 
 export const ALL_BLOCKS = 'ALL'
 
-export function scopedEnterprises(block: string, sector?: Sector | 'ALL'): Enterprise[] {
+/**
-  return ENTERPRISES.filter(
+ * Filter a book by block and sector.
+ *
+ * <p>`book` is required and has no default on purpose. It used to close over
+ * `ENTERPRISES` — the fabricated 142-borrower demo portfolio, which carries no
+ * owner — so every aggregate built on it mixed all banks together and showed the
+ * result to whoever was signed in. Callers now pass the tenant-scoped list from
+ * `useTenantEnterprises`, and a caller that has no list cannot accidentally get
+ * the demo one.
+ */
+export function scopedEnterprises(
+  block: string,
+  sector: Sector | "ALL" | undefined,
+  book: Enterprise[],
+): Enterprise[] {
+  return book.filter(
     (e) => (block === ALL_BLOCKS || e.block === block) && (!sector || sector === 'ALL' || e.sector === sector),
   )
 }
@@ -38,8 +53,8 @@ export function scopedEnterprises(block: string, sector?: Sector | 'ALL'): Enter
  * counts are 142 / 9 / 31 / 102 with the deck's deltas; any narrower scope
  * recomputes honestly from the filtered set.
  */
-export function portfolioSummary(block: string, month: string): PortfolioSummary {
+export function portfolioSummary(block: string, month: string, book: Enterprise[]): PortfolioSummary {
-  const rows = scopedEnterprises(block)
+  const rows = scopedEnterprises(block, undefined, book)
   const red = rows.filter((e) => e.band === 'RED').length
   const watch = rows.filter((e) => e.band === 'WATCH').length
   const standard = rows.filter((e) => e.band === 'STANDARD').length
@@ -66,8 +81,8 @@ export function portfolioSummary(block: string, month: string): PortfolioSummary
 const ALERT_STATES: AlertState[] = ['OPEN', 'OPEN', 'OPEN', 'ACKNOWLEDGED', 'ESCALATED', 'SNOOZED']
 
 /** Every Red and Watch enterprise carries a live alert; Standard ones do not. */
-export function alertsFor(block: string): RiskAlert[] {
+export function alertsFor(block: string, book: Enterprise[]): RiskAlert[] {
-  return scopedEnterprises(block)
+  return scopedEnterprises(block, undefined, book)
     .filter((e) => e.band !== 'STANDARD')
     .map((e, i) => {
       const r = rng(seedOf(`${e.enterpriseId}:alert`))
@@ -103,9 +118,16 @@ export function alertsFor(block: string): RiskAlert[] {
     .sort((a, b) => b.score - a.score)
 }
 
-/** The single alert the enterprise app shows on its Home tab. */
+/**
+ * The single alert the enterprise app shows on its Home tab.
+ *
+ * <p>The one sanctioned use of the unscoped demo book, and it is safe because of
+ * the shape of the question: the borrower PWA is signed in as one enterprise and
+ * this returns that enterprise's own alert or nothing. There is no list, so there
+ * is nothing to leak across banks.
+ */
 export function alertForEnterprise(enterpriseId: string): RiskAlert | null {
-  return alertsFor(ALL_BLOCKS).find((a) => a.enterpriseId === enterpriseId) ?? null
+  return alertsFor(ALL_BLOCKS, ENTERPRISES).find((a) => a.enterpriseId === enterpriseId) ?? null
 }
 
 // ── Field visits / playbook ─────────────────────────────────────
@@ -130,8 +152,8 @@ const OUTCOMES = [
   'Buyer payment confirmed as delayed, not defaulted.',
 ]
 
-export function visitsFor(block: string, officer = 'Aditya Vyas'): FieldVisit[] {
+export function visitsFor(block: string, book: Enterprise[], officer = 'Aditya Vyas'): FieldVisit[] {
-  return scopedEnterprises(block)
+  return scopedEnterprises(block, undefined, book)
     .filter((e) => e.band !== 'STANDARD')
     .slice(0, 24)
     .map((e, i) => {
@@ -156,31 +178,21 @@ export function visitsFor(block: string, officer = 'Aditya Vyas'): FieldVisit[]
     })
 }
 
-/** "This week 6 / 9 high-risk visits done" — the sidebar progress card on slide 6. */
+// ── Benchmarks ─────────────────────────────────────────────────
-export function weeklyVisitProgress(block: string): { done: number; target: number } {
+//
-  const visits = visitsFor(block).filter((v) => v.priority === 1)
+// Removed 2026-08-24. This block held nine constants the Reports page rendered as
-  const target = block === ALL_BLOCKS ? 9 : Math.max(3, visits.length)
+// measurements: AUC 0.87 against an invented "bureau baseline", a 2,400-enterprise
-  const done = block === ALL_BLOCKS ? 6 : visits.filter((v) => v.state === 'DONE').length
+// dataset that did not exist, and an on-device inference latency for inference
-  return { done, target }
+// that does not run on a device. Nothing computed any of them.
-}
+//
-
+// The replacement is the `model_metric` table, written by
-// ── Benchmarks (deck slide 10) ──────────────────────────────────
+// `UdyamLinc-ML/training/train_stress.py` at the end of every run and served by
-
+// GET /admin/model/metrics. The measured figures are lower than the ones that
-export const BENCHMARKS = {
+// were here, which is the point.
-  aucRoc: 0.87,
-  aucRepaymentOnly: 0.68,
-  aucBureau: 0.61,
-  alertPrecisionRed: 0.79,
-  medianLeadTimeMonths: '3–6',
-  onDeviceLatencyMs: 250,
-  datasetSize: 2400,
-  sectorsCovered: 5,
-  districtsCovered: 4,
-}
 
 /** Band migration month over month — how the book moved. */
-export function bandMigration(block: string): { month: string; red: number; watch: number; standard: number }[] {
+export function bandMigration(block: string, book: Enterprise[]): { month: string; red: number; watch: number; standard: number }[] {
-  const rows = scopedEnterprises(block)
+  const rows = scopedEnterprises(block, undefined, book)
   const r = rng(seedOf(`${block}:migration`))
   const base = new Date()
   return Array.from({ length: 6 }, (_, i) => {
@@ -197,9 +209,9 @@ export function bandMigration(block: string): { month: string; red: number; watc
 }
 
 /** Per-sector-pack rollup for the Forecasts screen. */
-export function sectorRollup(block: string) {
+export function sectorRollup(block: string, book: Enterprise[]) {
   return (Object.keys(SECTORS) as Sector[]).map((s) => {
-    const rows = scopedEnterprises(block, s)
+    const rows = scopedEnterprises(block, s, book)
     const red = rows.filter((e) => e.band === 'RED').length
     const watch = rows.filter((e) => e.band === 'WATCH').length
     const avg = rows.length ? rows.reduce((a, e) => a + e.score, 0) / rows.length : 0
@@ -216,8 +228,8 @@ export function sectorRollup(block: string) {
 }
 
 /** Portfolio-level P10/P50/P90 aggregate over the 6-month horizon. */
-export function portfolioForecast(block: string) {
+export function portfolioForecast(block: string, book: Enterprise[]) {
-  const rows = scopedEnterprises(block)
+  const rows = scopedEnterprises(block, undefined, book)
   const sample = rows.slice(0, 60) // enough for a stable aggregate without 142 × 6 work
   const paths = sample.map((e) => forecastFor(e))
   return paths[0].map((_, h) => ({

src/lib/ledgerStore.ts

@@ -1,5 +1,6 @@
 import { useCallback, useEffect, useState } from 'react'
 import type { LedgerEntry, LedgerKind } from './api'
+import { syncAppLedger } from './api'
 import { dayOffsetIso, pickInt, pickOne, rng, seedOf, todayIso } from './demo/seed'
 
 /*
@@ -110,24 +111,38 @@ export function pendingCount(enterpriseId: string): number {
 }
 
 /**
- * Drain the queue. The backend endpoint lands in a later pass — until then this
+ * Drain the offline queue to the server.
- * flips PENDING → SYNCED locally so the UI's sync states are exercisable.
+ *
+ * <p>This was the missing half of the offline promise. Entries were written to
+ * localStorage and marked PENDING, and this function flipped them to SYNCED
+ * without anything leaving the phone — so an owner could record a sale with no
+ * signal, which was the point, but it never reached the lender and the officer's
+ * screen never saw it.
+ *
+ * <p>Safe to call whenever. The server dedupes on `clientId`, which the phone
+ * minted, so a retry after a half-failed sync writes nothing twice. Entries that
+ * fail to send stay PENDING and go again on the next pass rather than being
+ * dropped — losing an owner's tap is the one failure this app cannot have, so a
+ * network error is deliberately silent from their side.
  */
-export function syncPending(enterpriseId: string): number {
+export async function syncPending(enterpriseId: string): Promise<number> {
-  const all = read()
+  const pending = read().filter(
-  let n = 0
+    (e) => e.enterpriseId === enterpriseId && e.syncState === 'PENDING',
-  const next = all.map((e) => {
+  )
-    if (e.enterpriseId === enterpriseId && e.syncState === 'PENDING') {
+  if (pending.length === 0) return 0
-      n++
+
-      return { ...e, syncState: 'SYNCED' as const }
+  try {
-    }
+    await syncAppLedger(pending)
-    return e
+  } catch {
-  })
+    return 0
-  if (n) {
-    write(next)
-    localStorage.setItem(SYNC_KEY, new Date().toISOString())
   }
-  return n
+
+  // Re-read rather than reusing the snapshot: the owner may have tapped save
+  // again while the request was in flight, and that entry must stay PENDING.
+  const sent = new Set(pending.map((e) => e.id))
+  write(read().map((e) => (sent.has(e.id) ? { ...e, syncState: 'SYNCED' as const } : e)))
+  localStorage.setItem(SYNC_KEY, new Date().toISOString())
+  return pending.length
 }
 
 export function lastSyncedAt(): string | null {
@@ -144,16 +159,53 @@ export function dayTotals(entries: LedgerEntry[], date = todayIso()) {
 }
 
 /** Live ledger for a given enterprise, re-reading whenever an entry is written. */
-export function useLedger(enterpriseId: string) {
+/**
-  const [entries, setEntries] = useState<LedgerEntry[]>(() => loadLedger(enterpriseId))
+ * The borrower.s ledger: what the server holds, plus anything typed on this
+ * device that has not synced yet.
+ *
+ * <p>Local entries come first and win on `clientId`, which is minted on the
+ * phone. That is what makes the offline path honest — an entry recorded with no
+ * signal is visible immediately, and when it syncs the server copy replaces it
+ * without ever appearing twice.
+ */
+export function useLedger(enterpriseId: string, server: LedgerEntry[] = []) {
+  const [local, setLocal] = useState<LedgerEntry[]>(() => loadLedger(enterpriseId))
 
-  const refresh = useCallback(() => setEntries(loadLedger(enterpriseId)), [enterpriseId])
+  const refresh = useCallback(() => setLocal(loadLedger(enterpriseId)), [enterpriseId])
 
   useEffect(() => {
     refresh()
-    window.addEventListener('ul-ledger-changed', refresh)
+    window.addEventListener("ul-ledger-changed", refresh)
-    return () => window.removeEventListener('ul-ledger-changed', refresh)
+    return () => window.removeEventListener("ul-ledger-changed", refresh)
   }, [refresh])
 
+  const seen = new Set(local.map((e) => e.id))
+  const entries = [...local, ...server.filter((e) => !seen.has(e.id))]
+    .sort((a, b) => b.entryDate.localeCompare(a.entryDate))
+
   return { entries, refresh }
 }
+
+/**
+ * Drain the queue whenever the network comes back.
+ *
+ * <p>Without this the offline promise was only half kept: an entry recorded with
+ * no signal reached the lender on the owner's <em>next</em> save or manual tap,
+ * and an owner who recorded a sale and put the phone away never synced at all.
+ * The browser tells us when the radio returns; that is the moment to try.
+ *
+ * <p>Also runs once on mount, because the app is commonly opened <em>after</em>
+ * connectivity is restored rather than while it is being restored — in that
+ * case no `online` event ever fires.
+ */
+export function useAutoSync(enterpriseId: string | undefined) {
+  useEffect(() => {
+    if (!enterpriseId) return
+    const drain = () => {
+      void syncPending(enterpriseId)
+    }
+    drain()
+    window.addEventListener('online', drain)
+    return () => window.removeEventListener('online', drain)
+  }, [enterpriseId])
+}

src/lib/sourceInventory.ts

@@ -0,0 +1,424 @@
+import {
+  CloudRain,
+  CloudSun,
+  Egg,
+  FileSpreadsheet,
+  FileUp,
+  FolderInput,
+  Globe,
+  IndianRupee,
+  Landmark,
+  MapPin,
+  Milk,
+  NotebookPen,
+  PencilLine,
+  ShieldCheck,
+  Store,
+  Upload,
+  Wheat,
+} from 'lucide-react'
+import type {
+  ConnectorProfileRow,
+  ConnectorSyncRun,
+  Freshness,
+  IngestionRun,
+  ManualEntryBatch,
+} from './api'
+import type { SourceGroupSpec, SourceSpec } from './sourceStatus'
+
+/**
+ * The single description of every route by which data enters UdyamLinc.
+ *
+ * <p>Both consoles render this. The officer console adds drill-through links to
+ * the operational screens; the apex console does not, because NABARD supervises
+ * whether a source is connected and never operates it. That is the only
+ * difference, and it is one boolean — anything more and the two tiers would
+ * eventually be shown different facts about the same feed.
+ *
+ * <p>Nothing here is hard-coded that can be read: run status, row counts and
+ * staleness all come from the same endpoints the detail screens use. What is
+ * hard-coded is what cannot be discovered at runtime — the endpoint a feed is
+ * fetched from, the table it lands in, and why an unconnected one is not
+ * connected yet.
+ */
+
+export interface InventoryInput {
+  freshness: Freshness[]
+  runs: IngestionRun[]
+  profiles: ConnectorProfileRow[]
+  connectorRuns: ConnectorSyncRun[]
+  batches: ManualEntryBatch[]
+  /** Officer console only. The apex tier gets the inventory, not the controls. */
+  withLinks: boolean
+}
+
+export interface Inventory {
+  groups: SourceGroupSpec[]
+  all: SourceSpec[]
+  districtsCovered: number
+  /** Oldest market observation across districts, in days. Null when nothing ingested. */
+  worstMarketAge: number | null
+  worstClimateAge: number | null
+}
+
+export function buildInventory(input: InventoryInput): Inventory {
+  const { freshness, runs, profiles, connectorRuns, batches, withLinks } = input
+
+  const link = (to: string, label: string) => (withLinks ? { to, label } : undefined)
+
+  const districtsCovered = freshness.length
+  const marketAges = freshness.map((f) => f.marketStalenessDays).filter((d): d is number => d != null)
+  const climateAges = freshness.map((f) => f.climateStalenessDays).filter((d): d is number => d != null)
+  const worstMarketAge = marketAges.length ? Math.max(...marketAges) : null
+  const worstClimateAge = climateAges.length ? Math.max(...climateAges) : null
+
+  const lastRun = (source: string): string => {
+    const run = runs.find((r) => r.source === source)
+    if (!run) return 'No run recorded yet'
+    const rows = run.rowsWritten ?? run.rowsFetched ?? 0
+    const when = run.runDate ?? run.startedAt?.slice(0, 10) ?? '—'
+    return `${run.status} · ${rows.toLocaleString('en-IN')} rows · ${when}`
+  }
+
+  const lastConnectorRun = (code: string): string => {
+    const run = connectorRuns.find((r) => r.profileCode === code)
+    if (!run) return 'Never run'
+    const rows = run.rowsAccepted ?? run.rowsFetched ?? 0
+    return `${run.status} · ${rows.toLocaleString('en-IN')} rows · ${run.startedAt.slice(0, 10)}`
+  }
+
+  const batchActivity = (type: ManualEntryBatch['entryType']): string => {
+    const b = batches.find((x) => x.entryType === type)
+    if (!b) return 'No upload yet'
+    const accepted = (b.rowsAccepted ?? 0).toLocaleString('en-IN')
+    const rejected = (b.rowsRejected ?? 0).toLocaleString('en-IN')
+    return `${b.status} · ${accepted} accepted, ${rejected} rejected · ${b.uploadedAt.slice(0, 10)}`
+  }
+
+  /* ── A · public data APIs ─────────────────────────────────────── */
+
+  const apiSources: SourceSpec[] = [
+    {
+      icon: Wheat,
+      id: 'agmarknet',
+      name: 'Agmarknet mandi prices',
+      kind: 'Public API · data.gov.in',
+      status: 'LIVE',
+      mechanism: 'GET api.data.gov.in/resource/9ef84268-…',
+      auth: 'API key — DATAGOV_API_KEY',
+      writes: 'market_signal',
+      cadence: 'Nightly 02:00, or on demand',
+      feeds: ['feed_cost_change', 'output_price_change', 'margin_squeeze', 'price_z_score'],
+      note: `39 commodities across ${districtsCovered} district baskets. Daily arrivals folded into one modal price per ISO week.`,
+      activity: `${lastRun('AGMARKNET')}${worstMarketAge != null ? ` · oldest district ${worstMarketAge}d` : ''}`,
+      link: link('/officer/feeds', 'Prices'),
+    },
+    {
+      icon: CloudRain,
+      id: 'open-meteo',
+      name: 'Rainfall & temperature',
+      kind: 'Public API · Open-Meteo archive',
+      status: 'LIVE',
+      mechanism: 'GET archive-api.open-meteo.com/v1/archive',
+      auth: 'None required',
+      writes: 'climate_signal, climate_normal',
+      cadence: 'Nightly 02:00, or on demand',
+      feeds: ['rainfall_anomaly', 'heat_anomaly'],
+      note: 'Reanalysis rather than a live weather endpoint, because an anomaly needs a 30-year baseline to be measured against.',
+      activity: `${lastRun('OPEN_METEO')}${worstClimateAge != null ? ` · oldest district ${worstClimateAge}d` : ''}`,
+      link: link('/officer/feeds', 'Climate'),
+    },
+    {
+      icon: CloudSun,
+      id: 'imd',
+      name: 'IMD Agromet advisories',
+      kind: 'Public API · district advisory',
+      status: 'NOT_CONNECTED',
+      mechanism: 'District advisory bulletin — no client written',
+      auth: 'Open',
+      writes: '—',
+      cadence: 'Tuesday / Friday',
+      feeds: [],
+      note: 'Adds the agronomic advisory text beside the numbers. One client class; slots into the existing scheduler.',
+      activity: 'Nothing ingested',
+    },
+    {
+      icon: Egg,
+      id: 'necc',
+      name: 'NECC egg realisation',
+      kind: 'HTML page · no API',
+      status: 'NOT_CONNECTED',
+      mechanism: 'e2necc.com daily city rate table — needs a scrape',
+      auth: 'Open, terms-of-use review pending',
+      writes: 'market_signal (source NECC)',
+      cadence: 'Daily',
+      feeds: ['output_price_change'],
+      note: 'The poultry pack’s output price. Until it lands, egg is filled by the simulator and by manual entry.',
+      activity: 'Nothing ingested — commodity seeded, source reserved',
+    },
+    {
+      icon: Milk,
+      id: 'dairy',
+      name: 'Dairy federation milk rate',
+      kind: 'Institutional · no API',
+      status: 'NOT_CONNECTED',
+      mechanism: 'State federation procurement rate — MoU or admin entry',
+      auth: 'Relationship, not an endpoint',
+      writes: 'market_signal (source DAIRY_FEDERATION)',
+      cadence: 'Monthly',
+      feeds: ['output_price_change', 'margin_squeeze'],
+      note: 'The dairy pack’s output price. No public API exists anywhere in India; manual entry exists because of this one.',
+      activity: 'Nothing ingested — commodity seeded, source reserved',
+    },
+  ]
+
+  /* ── B · core banking ─────────────────────────────────────────── */
+
+  const fileDrop = profiles.find((p) => !p.simulated)
+  const simulatedProfiles = profiles.filter((p) => p.simulated)
+
+  const cbsSources: SourceSpec[] = [
+    {
+      icon: FolderInput,
+      id: 'file-drop',
+      name: fileDrop?.displayName ?? 'Bank file drop',
+      kind: 'CBS extract · file drop',
+      status: 'LIVE',
+      mechanism: fileDrop?.endpoint ?? 'Newest matching file on a mounted drop path',
+      auth: 'Filesystem, mounted by the bank',
+      writes: 'loan_record (via staged preview)',
+      cadence: fileDrop?.scheduleCron ?? 'On demand',
+      feeds: ['emi_delay', 'emi_to_inflow'],
+      note: 'The real adapter. Reads and never writes, and leaves the file where it found it so a failed run is repeatable. A bank on any core can deliver to it.',
+      activity: fileDrop ? lastConnectorRun(fileDrop.code) : 'No profile configured',
+      link: link('/officer/integration', 'Connections'),
+    },
+    ...simulatedProfiles.map<SourceSpec>((p) => ({
+      icon: Landmark,
+      id: p.code,
+      name: p.vendorName ?? p.displayName,
+      kind: `CBS dialect · ${p.transport ?? 'FILE'}`,
+      status: 'SIMULATED' as const,
+      mechanism: `${p.vendor} column dialect — ${Object.keys(p.mapping ?? {}).length} columns mapped`,
+      auth: 'None — emitted locally',
+      writes: 'loan_record (stamped simulated per run)',
+      cadence: 'On demand',
+      feeds: ['emi_delay', 'emi_to_inflow'],
+      note:
+        p.activationNote ??
+        'Emits the real portfolio in CBSNexora’s own field names, so the mapping is agreed and exercised before a live instance is connected.',
+      activity: lastConnectorRun(p.code),
+      link: link('/officer/integration', 'Mapping'),
+    })),
+  ]
+
+  /* ── C · digital transaction proxies ──────────────────────────── */
+
+  const upiSources: SourceSpec[] = [
+    {
+      icon: ShieldCheck,
+      id: 'aa',
+      name: 'Account Aggregator (Sahamati)',
+      kind: 'Consent framework · RBI',
+      status: 'NOT_CONNECTED',
+      mechanism: 'FIU registration + consent artefact — no client written',
+      auth: 'Consent artefact per borrower',
+      writes: 'upi_summary',
+      cadence: 'Weekly',
+      feeds: ['upi_inflow_change'],
+      note: 'The mandate’s "digital transaction proxies". Registration is a relationship with a long lead time, not a sprint — so the table, the query and the feature all exist and wait for it.',
+      activity: 'No consented rows · TW-02 reports SKIPPED_MISSING, never fires',
+    },
+    {
+      icon: IndianRupee,
+      id: 'upi-sim',
+      name: 'UPI weekly aggregates',
+      kind: 'Simulator · stands in for AA',
+      status: 'SIMULATED',
+      mechanism: 'UpiSimulationService → the same upi_summary table',
+      auth: 'Written only for enterprises with consentActive',
+      writes: 'upi_summary (source SIMULATED)',
+      cadence: 'On demand',
+      feeds: ['upi_inflow_change'],
+      note: 'Goes through the identical table and derivation an Account Aggregator would, so the seam is exercised rather than described. An enterprise that has not consented stays null with NO_CONSENT.',
+      activity: 'Populated for consented demo enterprises only',
+    },
+  ]
+
+  /* ── D · manual upload and entry ──────────────────────────────── */
+
+  const uploadSources: SourceSpec[] = [
+    {
+      icon: FileSpreadsheet,
+      id: 'upload-market',
+      name: 'Market price upload',
+      kind: 'File upload · CSV / XLSX',
+      status: 'LIVE',
+      mechanism: 'POST /admin/manual/upload?type=MARKET_SIGNAL',
+      auth: 'Data steward or above',
+      writes: 'market_signal (source MANUAL)',
+      cadence: 'Whenever a rate sheet arrives',
+      feeds: ['output_price_change', 'margin_squeeze', 'price_z_score'],
+      note: 'Exists for milk, egg, fodder and cane — the commodities no API publishes. Nothing is written until the preview has shown what will land, what was rejected and what will overwrite.',
+      activity: batchActivity('MARKET_SIGNAL'),
+      link: link('/officer/data-entry', 'Upload'),
+    },
+    {
+      icon: FileUp,
+      id: 'upload-loans',
+      name: 'Loan book upload',
+      kind: 'File upload · CSV / XLSX',
+      status: 'LIVE',
+      mechanism: 'POST /admin/manual/upload?type=LOAN_RECORD',
+      auth: 'Data steward or above',
+      writes: 'loan_record',
+      cadence: 'Monthly, or ahead of a CBS connection',
+      feeds: ['emi_delay', 'emi_to_inflow'],
+      note: 'A file whose headers carry a name, phone or account number is refused whole — the no-PII rule is enforced at the boundary, not cleaned up afterwards.',
+      activity: batchActivity('LOAN_RECORD'),
+      link: link('/officer/data-entry', 'Upload'),
+    },
+    {
+      icon: PencilLine,
+      id: 'entry-single',
+      name: 'Single market entry',
+      kind: 'Form · one rate at a time',
+      status: 'LIVE',
+      mechanism: 'POST /admin/manual/entry',
+      auth: 'Data steward or above',
+      writes: 'market_signal (source MANUAL)',
+      cadence: 'Ad hoc',
+      feeds: ['output_price_change'],
+      note: 'For the officer who has one number from the dairy union and no file to upload.',
+      activity: 'Available to every data steward',
+      link: link('/officer/data-entry', 'Entry'),
+    },
+  ]
+
+  /* ── E · enterprise-generated ─────────────────────────────────── */
+
+  const ledgerSources: SourceSpec[] = [
+    {
+      icon: NotebookPen,
+      id: 'ledger',
+      name: 'Three-tap enterprise ledger',
+      kind: 'Borrower PWA · offline-first',
+      status: 'LIVE',
+      mechanism: 'Enterprise app — in, out, stock. Queued offline, synced on reconnect',
+      auth: 'Enterprise PIN',
+      writes: 'ledger_entry',
+      cadence: 'Daily, ~15 seconds of owner effort',
+      feeds: ['cash_flow_change', 'days_since_last_entry', 'inventory_days', 'dscr_p10'],
+      note: 'The only signal that reaches the enterprise’s own trading position. client_id is minted on the phone so an entry keeps its identity through a sync.',
+      activity: 'Captured per enterprise in the borrower app',
+    },
+    {
+      icon: MapPin,
+      id: 'visits',
+      name: 'Field visit outcomes',
+      kind: 'Officer console · feedback edge',
+      status: 'LIVE',
+      mechanism: 'Visit logged against an alert, with the intervention and its result',
+      auth: 'Field officer or above',
+      writes: 'field_visit',
+      cadence: 'Per visit',
+      feeds: [],
+      note: 'Closes the loop: what the officer did and whether it worked is the label a future retraining cycle reads.',
+      activity: 'Logged from the alerts and visits screens',
+      link: link('/officer/visits', 'Visits'),
+    },
+  ]
+
+  const groups: SourceGroupSpec[] = [
+    {
+      icon: Globe,
+      letter: 'A',
+      title: 'Public data APIs',
+      blurb: 'Market intelligence and climate — pulled nightly, never in the request path',
+      sources: apiSources,
+    },
+    {
+      icon: Landmark,
+      letter: 'B',
+      title: 'Core banking / LMS (CBS)',
+      blurb: 'The loan book — a real file drop beside the CBSNexora loan API',
+      sources: cbsSources,
+    },
+    {
+      icon: IndianRupee,
+      letter: 'C',
+      title: 'Digital transaction proxies (UPI)',
+      blurb: 'Consent-bound inflows through the Account Aggregator framework',
+      sources: upiSources,
+    },
+    {
+      icon: Upload,
+      letter: 'D',
+      title: 'Manual upload & entry',
+      blurb: 'For every feed no API serves — staged, previewed, then committed',
+      sources: uploadSources,
+    },
+    {
+      icon: Store,
+      letter: 'E',
+      title: 'Enterprise-generated',
+      blurb: 'What the borrower and the officer record themselves',
+      sources: ledgerSources,
+    },
+  ]
+
+  return {
+    groups,
+    all: groups.flatMap((g) => g.sources),
+    districtsCovered,
+    worstMarketAge,
+    worstClimateAge,
+  }
+}
+
+/** The four families the problem statement names, and what is live behind each. */
+export interface MandateRow {
+  family: string
+  detail: string
+  live: number
+  total: number
+}
+
+export function mandateCoverage(inv: Inventory): MandateRow[] {
+  const group = (letter: string) => inv.groups.find((g) => g.letter === letter)?.sources ?? []
+  const live = (s: SourceSpec[]) => s.filter((x) => x.status === 'LIVE').length
+
+  const api = group('A')
+  const market = api.filter((s) => s.id !== 'open-meteo' && s.id !== 'imd')
+  const climate = api.filter((s) => s.id === 'open-meteo' || s.id === 'imd')
+  const cbs = group('B')
+  const upi = group('C')
+  const upload = group('D')
+
+  return [
+    {
+      family: 'Financial records',
+      detail: 'Core banking extract, loan-book upload, borrower ledger',
+      live: live(cbs) + live(upload) + 1,
+      total: cbs.length + upload.length + 1,
+    },
+    {
+      family: 'Digital transaction proxies',
+      detail: 'Consented UPI and bank inflows',
+      live: live(upi),
+      total: upi.length,
+    },
+    {
+      family: 'Market intelligence',
+      detail: 'Mandi prices, egg and milk realisation',
+      live: live(market),
+      total: market.length,
+    },
+    {
+      family: 'Climate data',
+      detail: 'Rainfall, heat and district advisories',
+      live: live(climate),
+      total: climate.length,
+    },
+  ]
+}

src/lib/sourceStatus.ts

@@ -0,0 +1,78 @@
+import type { LucideIcon } from 'lucide-react'
+
+/**
+ * The vocabulary the data-source inventory is written in.
+ *
+ * <p>Split out from the card that renders it so both consoles and the inventory
+ * builder can share the words without importing a component, and so the card
+ * file exports components only.
+ */
+
+/**
+ * Three states, and deliberately no fourth. {@code SIMULATED} exists because the
+ * alternative — leaving generated rows looking real — is the single failure this
+ * console is built to prevent.
+ */
+export type SourceStatus = 'LIVE' | 'SIMULATED' | 'NOT_CONNECTED'
+
+export const STATUS_LABEL: Record<SourceStatus, string> = {
+  LIVE: 'Live',
+  SIMULATED: 'Simulated',
+  NOT_CONNECTED: 'Not connected',
+}
+
+export const STATUS_PILL: Record<SourceStatus, string> = {
+  LIVE: 'pill-ok',
+  SIMULATED: 'pill-pend',
+  NOT_CONNECTED: 'pill-mut',
+}
+
+export const STATUS_HELP: Record<SourceStatus, string> = {
+  LIVE: 'Real data, fetched or uploaded. Every row carries its origin.',
+  SIMULATED: 'Generated because no feed exists. Stamped SIMULATED in the database, permanently.',
+  NOT_CONNECTED: 'The seam is built; the source needs an agreement, a key or a scrape.',
+}
+
+export interface SourceSpec {
+  /** Lucide glyph for the card's tile — what the source *is*, at a glance. */
+  icon?: LucideIcon
+  id: string
+  /** What a person would call it. */
+  name: string
+  /** The mechanism class — Public API, CBS extract, File upload… */
+  kind: string
+  status: SourceStatus
+  /** Endpoint, path or template — rendered monospace, because it is literal. */
+  mechanism: string
+  auth: string
+  /** The table it lands in. */
+  writes: string
+  cadence: string
+  /** Feature codes this source ultimately feeds. */
+  feeds: string[]
+  /** Last run, row count, or why there is nothing to report. */
+  activity: string
+  /** One sentence a reader can take without asking a follow-up. */
+  note?: string
+  /** Officer console only — the apex tier gets no operational drill-through. */
+  link?: { to: string; label: string }
+}
+
+export interface SourceGroupSpec {
+  icon?: LucideIcon
+  letter: string
+  title: string
+  blurb: string
+  sources: SourceSpec[]
+}
+
+/**
+ * Tint for a card's icon tile. The pill states the status in words; the tile
+ * repeats it in colour, so a reader scanning a grid of twelve cards sees which
+ * are live before reading any of them.
+ */
+export const STATUS_TILE: Record<SourceStatus, string> = {
+  LIVE: 'bg-green-soft text-forest',
+  SIMULATED: 'bg-amber-soft text-amber',
+  NOT_CONNECTED: 'bg-slate-100 text-slate-400',
+}

src/lib/visitStore.ts

@@ -1,6 +1,5 @@
 import { useCallback, useEffect, useState } from 'react'
 import type { FieldVisit } from './api'
-import { visitsFor } from './demo/ops'
 
 /*
  * Visits scheduled from the console during a demo session.
@@ -51,22 +50,32 @@ export function scheduleVisit(input: {
 }
 
 /** Record the outcome of a visit — this is what feeds the next retraining cycle. */
-export function logOutcome(visitId: string, outcome: string) {
+export function logOutcome(visitId: string, outcome: string, source?: FieldVisit) {
   const local = read()
   const hit = local.find((v) => v.visitId === visitId)
   if (hit) {
     write(local.map((v) => (v.visitId === visitId ? { ...v, state: 'DONE', outcome, loggedAt: new Date().toISOString() } : v)))
     return
   }
-  // A seeded visit: shadow it locally rather than mutating the generator.
+  // A server visit: shadow it locally rather than reaching for the demo
-  const seeded = visitsFor('ALL').find((v) => v.visitId === visitId)
+  // generator, which is not scoped to any bank. The caller supplies the row it
-  if (seeded) {
+  // is closing, because it already has it on screen.
-    write([{ ...seeded, state: 'DONE', outcome, loggedAt: new Date().toISOString() }, ...local])
+  if (source) {
+    write([{ ...source, state: "DONE", outcome, loggedAt: new Date().toISOString() }, ...local])
   }
 }
 
 /** Seeded playbook plus locally scheduled/updated visits, local taking precedence. */
-export function useVisits(block: string, officer: string) {
+/**
+ * Live visits with locally scheduled ones merged in.
+ *
+ * <p>Server rows are supplied by the caller and there is no demo fallback, for
+ * the same reason as `useAlerts`: `/officer/visits` filters through the
+ * caller.s own borrowers, and the in-file portfolio has no owner on it. Visits
+ * scheduled in the browser are demo gestures held in local storage and are
+ * merged over the server list.
+ */
+export function useVisits(block: string, officer: string, source: FieldVisit[]) {
   const [local, setLocal] = useState<FieldVisit[]>(read)
 
   const refresh = useCallback(() => setLocal(read()), [])
@@ -76,7 +85,8 @@ export function useVisits(block: string, officer: string) {
     return () => window.removeEventListener('ul-visits-changed', refresh)
   }, [refresh])
 
-  const seeded = visitsFor(block, officer)
+  void officer
+  const seeded = source
   const overridden = new Set(local.map((v) => v.visitId))
   const scoped = local.filter((v) => block === 'ALL' || v.block === block)
   const visits = [...scoped, ...seeded.filter((v) => !overridden.has(v.visitId))]

src/pages/DemoPage.tsx

@@ -0,0 +1,458 @@
+import { useEffect, useMemo, useState } from 'react'
+import { useQuery } from '@tanstack/react-query'
+import { Link } from 'react-router-dom'
+import {
+  borrower,
+  borrowerLogin,
+  fetchAppEnrolled,
+  fetchModelMetrics,
+  officerSession,
+} from '../lib/api'
+import type { AppHomeWire, Enterprise, ReasonCodeRow } from '../lib/api'
+import { useTenantEnterprises } from '../features/officer/useTenantData'
+import { ALL_BLOCKS } from '../lib/demo/ops'
+import { inr, monthRef } from '../lib/demo/seed'
+import { SECTORS } from '../lib/demo/enterprises'
+import '../styles/demo.css'
+
+/**
+ * One borrower, both sides, one screen.
+ *
+ * <h2>Why this page exists</h2>
+ *
+ * <p>The jury has thirty minutes and two surfaces to understand: a lender's
+ * console and a borrower's phone. Shown in sequence they read as two products.
+ * Shown together, with the same borrower selected on both, they read as what
+ * they are — one record, two audiences, and a shortfall the lender can see
+ * months before it arrives.
+ *
+ * <h2>Everything here is live</h2>
+ *
+ * <p>The left column is the officer's own tenant-scoped API. The right column is
+ * a <em>real</em> borrower sign-in: picking a row calls {@code /auth/app-login}
+ * and every panel beside it is fetched with that borrower's token. Nothing is
+ * mirrored from the left column, which is the point — if the two sides agree it
+ * is because they read one record, not because one was copied into the other.
+ *
+ * <p>The borrower token is held in React state and never written to storage, so
+ * this page cannot disturb a real app session open in another tab.
+ */
+
+const DEMO_PIN = '1234'
+
+type Bucket = 'NOW' | 'WINDOW' | 'LATER' | 'CLEAR'
+
+/** Same thresholds as the officer dashboard's triage funnel. */
+function bucketOf(e: Enterprise): Bucket {
+  const h = e.firstBreachHorizon
+  if (h == null) return 'CLEAR'
+  if (h <= 1) return 'NOW'
+  if (h <= 4) return 'WINDOW'
+  return 'LATER'
+}
+
+const BUCKET_META: Record<Bucket, { label: string; cls: string; caption: string }> = {
+  NOW: { label: 'Act now', cls: 'is-now', caption: 'breaches this month' },
+  WINDOW: { label: 'In window', cls: 'is-window', caption: 'breaches in 2-4 months' },
+  LATER: { label: 'Watch', cls: 'is-watch', caption: 'breaches beyond 4 months' },
+  CLEAR: { label: 'Covered', cls: 'is-clear', caption: 'downside still covers' },
+}
+
+function monthLabel(month: string | null | undefined): string {
+  if (!month) return '—'
+  return monthRef(new Date(`${month}-01T00:00:00`)).fullEn
+}
+
+export function DemoPage() {
+  const session = officerSession()
+  const book = useTenantEnterprises(ALL_BLOCKS)
+  const metricsQ = useQuery({ queryKey: ['model-metrics'], queryFn: fetchModelMetrics })
+  // Not every borrower has the app. Knowing which do lets the page open on one
+  // that can actually be shown, instead of failing a sign-in in front of a jury.
+  const enrolledQ = useQuery({
+    queryKey: ['app-enrolled', ALL_BLOCKS],
+    queryFn: () => fetchAppEnrolled(ALL_BLOCKS),
+  })
+  const enrolled = useMemo(() => new Set(enrolledQ.data ?? []), [enrolledQ.data])
+
+  const [selected, setSelected] = useState<string | null>(null)
+  const [token, setToken] = useState<string | null>(null)
+  const [signInError, setSignInError] = useState<string | null>(null)
+
+  // Worst first — the borrower with the least lead time is the one worth opening.
+  const rows = useMemo(() => {
+    const order: Record<Bucket, number> = { NOW: 0, WINDOW: 1, LATER: 2, CLEAR: 3 }
+    return [...book.rows].sort((a, b) => {
+      const d = order[bucketOf(a)] - order[bucketOf(b)]
+      return d !== 0 ? d : b.score - a.score
+    })
+  }, [book.rows])
+
+  // Open on the most urgent borrower who is actually on the app, so the page is
+  // already telling its whole story when it appears. Falling back to the most
+  // urgent row overall keeps the lender half working when nobody is enrolled.
+  useEffect(() => {
+    if (selected || !rows.length || enrolledQ.isLoading) return
+    const first = rows.find((e) => enrolled.has(e.enterpriseId)) ?? rows[0]
+    setSelected(first.enterpriseId)
+  }, [rows, selected, enrolled, enrolledQ.isLoading])
+
+  // A real sign-in as the selected borrower, repeated whenever the selection
+  // changes. The previous token is dropped rather than reused.
+  useEffect(() => {
+    if (!selected) return
+    let cancelled = false
+    setToken(null)
+    setSignInError(null)
+    if (enrolledQ.isSuccess && !enrolled.has(selected)) {
+      setSignInError('NOT_ENROLLED')
+      return
+    }
+    borrowerLogin(selected, DEMO_PIN)
+      .then((s) => {
+        if (!cancelled) setToken(s.token)
+      })
+      .catch(() => {
+        if (!cancelled) setSignInError('NOT_ENROLLED')
+      })
+    return () => {
+      cancelled = true
+    }
+  }, [selected, enrolled, enrolledQ.isSuccess])
+
+  const homeQ = useQuery({
+    queryKey: ['demo-app-home', selected, token],
+    queryFn: () => borrower.home(token as string),
+    enabled: Boolean(token),
+  })
+  const reasonsQ = useQuery({
+    queryKey: ['demo-app-reasons', selected, token],
+    queryFn: () => borrower.reasons(token as string),
+    enabled: Boolean(token),
+  })
+
+  const lender = rows.find((e) => e.enterpriseId === selected) ?? null
+  const home = homeQ.data ?? null
+  const reasons = reasonsQ.data ?? []
+
+  const counts = useMemo(() => {
+    const c: Record<Bucket, number> = { NOW: 0, WINDOW: 0, LATER: 0, CLEAR: 0 }
+    for (const e of book.rows) c[bucketOf(e)]++
+    return c
+  }, [book.rows])
+
+  const arm = metricsQ.data?.arms?.lightgbm
+  const engine = home?.forecast?.[0]?.engine ?? null
+
+  return (
+    <div className="dm">
+      <header className="dm-top">
+        <div className="dm-top-lede">
+          <h1>One borrower, both sides</h1>
+          <p>
+            The lender&rsquo;s console and the borrower&rsquo;s phone, reading the same
+            record. Pick a row on the left &mdash; the phone signs in as that borrower.
+          </p>
+        </div>
+        <dl className="dm-facts">
+          <div>
+            <dt>Signed in as</dt>
+            <dd>{session?.fullName ?? '—'}</dd>
+          </div>
+          <div>
+            <dt>Branch</dt>
+            <dd>{session?.branch ?? '—'}</dd>
+          </div>
+          <div>
+            <dt>Borrowers</dt>
+            <dd className="num">{book.rows.length}</dd>
+          </div>
+          <div>
+            <dt>Forecast engine</dt>
+            <dd>{engine ?? '—'}</dd>
+          </div>
+        </dl>
+      </header>
+
+      {book.unavailable && (
+        <div className="dm-warn">
+          The server could not be reached, so no borrowers are listed. This page never
+          substitutes demo rows &mdash; a book that cannot be read is shown as unread.{' '}
+          <button onClick={book.retry}>Retry</button>
+        </div>
+      )}
+
+      <div className="dm-split">
+        {/* ── lender ─────────────────────────────────────────── */}
+        <section className="dm-col">
+          <div className="dm-col-head">
+            <span className="dm-tag">The lender sees</span>
+            <h2>Officer console</h2>
+          </div>
+
+          <div className="dm-triage">
+            {(['NOW', 'WINDOW', 'LATER', 'CLEAR'] as Bucket[]).map((b) => (
+              <div key={b} className={`dm-seg ${BUCKET_META[b].cls}`}>
+                <span className="dm-seg-label">{BUCKET_META[b].label}</span>
+                <span className="dm-seg-val num">{counts[b]}</span>
+                <span className="dm-seg-cap">{BUCKET_META[b].caption}</span>
+              </div>
+            ))}
+          </div>
+
+          <ul className="dm-list">
+            {rows.slice(0, 7).map((e) => {
+              const b = bucketOf(e)
+              return (
+                <li key={e.enterpriseId}>
+                  <button
+                    className={`dm-row ${selected === e.enterpriseId ? 'is-on' : ''}`}
+                    onClick={() => setSelected(e.enterpriseId)}
+                  >
+                    <span className={`dm-score ${BUCKET_META[b].cls}`}>{e.score}</span>
+                    <span className="dm-row-body">
+                      <span className="dm-row-top">
+                        <b>{e.name}</b>
+                        <span className={`dm-when ${BUCKET_META[b].cls}`}>
+                          {e.firstBreachMonth ? monthLabel(e.firstBreachMonth) : 'covered'}
+                        </span>
+                      </span>
+                      <span className="dm-meta">
+                        {SECTORS[e.sector]?.short ?? e.sector} &middot; {e.block} &middot;{' '}
+                        {e.enterpriseId}
+                        {enrolled.has(e.enterpriseId) && (
+                          <span className="dm-hasapp" title="Has the phone app">
+                            on the app
+                          </span>
+                        )}
+                      </span>
+                      {e.topDriver && <span className="dm-why">{e.topDriver}</span>}
+                    </span>
+                  </button>
+                </li>
+              )
+            })}
+            {rows.length === 0 && !book.unavailable && (
+              <li className="dm-empty">
+                {book.loading ? 'Loading the book…' : 'No borrowers on this book.'}
+              </li>
+            )}
+          </ul>
+        </section>
+
+        {/* ── borrower ───────────────────────────────────────── */}
+        <section className="dm-col">
+          <div className="dm-col-head">
+            <span className="dm-tag">The borrower sees</span>
+            <h2>Their own phone</h2>
+          </div>
+
+          <div className="dm-phone">
+            <div className="dm-phone-bar">
+              <span>{lender?.name ?? '—'}</span>
+              <span className="dm-live">
+                {signInError === 'NOT_ENROLLED'
+                  ? 'no app'
+                  : token
+                    ? 'signed in'
+                    : 'signing in…'}
+              </span>
+            </div>
+
+            <div className="dm-phone-body">
+              {signInError === 'NOT_ENROLLED' ? (
+                <div className="dm-none">
+                  <b>This borrower is not on the app.</b>
+                  <span>
+                    They are still scored and still forecast — from core banking and
+                    UPI aggregates, which need nothing installed on a phone. The app
+                    adds a daily ledger and gives the owner the reasons in their own
+                    language; it is not what makes the borrower visible.
+                  </span>
+                </div>
+              ) : null}
+
+              {signInError !== 'NOT_ENROLLED' && home?.alert ? (
+                <div className="dm-alert">
+                  <b>{home.alert.title}</b>
+                  <span>
+                    Estimated {inr(home.alert.shortfall ?? 0)} short
+                    {home.alert.breachMonth ? ` · ${monthLabel(home.alert.breachMonth)}` : ''}
+                  </span>
+                </div>
+              ) : signInError !== 'NOT_ENROLLED' && home ? (
+                <div className="dm-ok">No shortfall expected in the next six months.</div>
+              ) : signInError !== 'NOT_ENROLLED' ? (
+                <div className="dm-skel" />
+              ) : null}
+
+              {/* Six-month strip. The bar is the downside case, the line is what the
+                  instalment needs. A bar below the line is the whole product. */}
+              {signInError !== 'NOT_ENROLLED' && home?.forecast?.length ? (
+                <div className="dm-fc">
+                  <div className="dm-fc-head">
+                    <span>Next six months</span>
+                    <span>worst case vs instalment</span>
+                  </div>
+                  <div className="dm-bars">
+                    {(() => {
+                      const strip = home.forecast.slice(0, 6)
+                      const top = Math.max(
+                        ...strip.map((q) => Math.max(q.p10, q.p50, q.obligation)),
+                        1,
+                      )
+                      return strip.map((p) => (
+                        <div key={p.month} className="dm-bar">
+                          <div className="dm-bar-track">
+                            <div
+                              className={`dm-bar-fill ${p.breach ? 'is-breach' : ''}`}
+                              style={{ height: `${Math.max(2, (Math.max(p.p10, 0) / top) * 100)}%` }}
+                            />
+                            <div
+                              className="dm-bar-need"
+                              style={{ bottom: `${Math.min(100, (p.obligation / top) * 100)}%` }}
+                            />
+                          </div>
+                          <span className="dm-bar-x">
+                            {monthRef(new Date(`${p.month}-01T00:00:00`)).label}
+                          </span>
+                        </div>
+                      ))
+                    })()}
+                  </div>
+                  <p className="dm-legend">
+                    <i className="dm-key-bar" /> worst case <i className="dm-key-line" /> instalment
+                    due
+                  </p>
+                </div>
+              ) : null}
+
+              {signInError !== 'NOT_ENROLLED' && reasons.length > 0 && (
+                <div className="dm-reasons">
+                  <div className="dm-fc-head">
+                    <span>Why</span>
+                  </div>
+                  <ul>
+                    {reasons.slice(0, 3).map((r: ReasonCodeRow) => (
+                      <li key={r.id}>{r.sentenceEn}</li>
+                    ))}
+                  </ul>
+                </div>
+              )}
+
+              {signInError !== 'NOT_ENROLLED' && home && (
+                <div className="dm-today">
+                  <span>
+                    Today in <b className="num">{inr(home.todayIn ?? 0)}</b>
+                  </span>
+                  <span>
+                    out <b className="num">{inr(home.todayOut ?? 0)}</b>
+                  </span>
+                </div>
+              )}
+            </div>
+          </div>
+        </section>
+      </div>
+
+      <Agreement lender={lender} home={home} reasons={reasons} />
+
+      <footer className="dm-foot">
+        <span>
+          {arm
+            ? `Scoring model: LightGBM, AUC ${arm.auc_roc?.toFixed(3) ?? '—'} on ${
+                metricsQ.data?.datasetRows ?? '—'
+              } rows`
+            : 'Scoring model metrics unavailable'}
+          {metricsQ.data?.syntheticLabelShare === 1 && ' · labels are synthetic'}
+        </span>
+        <span>
+          <Link to="/officer">Officer console</Link> &middot; <Link to="/app">Borrower app</Link>
+        </span>
+      </footer>
+    </div>
+  )
+}
+
+/**
+ * The claim this page is making, checked rather than asserted.
+ *
+ * <p>Each row puts the officer's value beside the borrower's own, fetched under
+ * two different tokens from two different endpoints. They agree because they are
+ * one record. Where they disagree this says so — a demo that cannot fail is not
+ * demonstrating anything.
+ */
+function Agreement({
+  lender,
+  home,
+  reasons,
+}: {
+  lender: Enterprise | null
+  home: AppHomeWire | null
+  reasons: ReasonCodeRow[]
+}) {
+  if (!lender || !home) return null
+
+  const appScore = Number((home.enterprise as Record<string, unknown>)?.score ?? NaN)
+  const appBreach = home.forecast?.find((p) => p.breach)?.month ?? null
+
+  const checks = [
+    {
+      k: 'Stress score',
+      lender: String(lender.score),
+      app: Number.isNaN(appScore) ? '—' : String(appScore),
+    },
+    {
+      k: 'First month the instalment is missed',
+      lender: lender.firstBreachMonth ? monthLabel(lender.firstBreachMonth) : 'none',
+      app: appBreach ? monthLabel(appBreach) : 'none',
+    },
+    {
+      // The officer row carries the rendered sentence, not the driver code, so
+      // this compares sentence to sentence. Comparing `driver` here would read
+      // 'obligationLoad' against 'The instalment takes 88% of monthly inflow'
+      // and report a disagreement between two halves of the same reason.
+      k: 'Leading reason',
+      lender: lender.topDriver ?? '—',
+      app: reasons[0]?.sentenceEn ?? '—',
+    },
+  ]
+
+  return (
+    <section className="dm-agree">
+      <div className="dm-col-head">
+        <span className="dm-tag">The point</span>
+        <h2>Both sides are reading one record</h2>
+      </div>
+      <div className="dm-table-wrap">
+        <table>
+          <thead>
+            <tr>
+              <th></th>
+              <th>Officer console</th>
+              <th>Borrower&rsquo;s phone</th>
+              <th></th>
+            </tr>
+          </thead>
+          <tbody>
+            {checks.map((c) => {
+              const same = c.lender.toLowerCase() === c.app.toLowerCase()
+              return (
+                <tr key={c.k}>
+                  <th scope="row">{c.k}</th>
+                  <td>{c.lender}</td>
+                  <td>{c.app}</td>
+                  <td className={same ? 'dm-yes' : 'dm-no'}>{same ? 'agree' : 'differ'}</td>
+                </tr>
+              )
+            })}
+          </tbody>
+        </table>
+      </div>
+      <p className="dm-note">
+        Fetched under two separate tokens &mdash; the officer&rsquo;s and this
+        borrower&rsquo;s own. Neither column is copied from the other.
+      </p>
+    </section>
+  )
+}

src/pages/LoginPage.tsx

@@ -42,7 +42,7 @@ const STATS = [
 /** Demo credentials — mirrored by UdyamDataSeeder on the backend. */
 const DEMO = {
   officer: { username: 'aditya.vyas', password: 'Udyam@123' },
-  enterprise: { id: 'MSME-4417', pin: '1234' },
+  enterprise: { id: 'MSME-6151', pin: '1234' },
 }
 
 /**
@@ -82,6 +82,10 @@ const PERSONAS: {
     tier: 'Partner bank',
     note: 'its own book in full, borrower records included',
     accounts: [
+      // Assam Gramin first: its book carries the widest spread of lead times, which
+      // is what the early-warning view is built to show. MP Gramin is 8 breaching
+      // now against 2 in the window — a single spike rather than a distribution.
+      { label: 'Assam Gramin · head office', username: 'agvb.admin', secret: 'Udyam@123', mode: 'OFFICER' },
       { label: 'MP Gramin · head office', username: 'mpgb.admin', secret: 'Udyam@123', mode: 'OFFICER' },
       { label: 'Sehore DCCB · head office', username: 'dccb.admin', secret: 'Udyam@123', mode: 'OFFICER' },
       { label: 'Field officer', username: 'aditya.vyas', secret: 'Udyam@123', mode: 'OFFICER' },
@@ -90,7 +94,11 @@ const PERSONAS: {
   {
     tier: 'Enterprise',
     note: 'one borrower, itself',
-    accounts: [{ label: 'MSME-4417', username: 'MSME-4417', secret: '1234', mode: 'ENTERPRISE' }],
+    accounts: [
+      // The same borrower the officer console opens on, seen from the owner's side.
+      { label: 'MSME-6151 · Kaziranga Fruit Farm', username: 'MSME-6151', secret: '1234', mode: 'ENTERPRISE' },
+      { label: 'MSME-4417 · Sehore Poultry Farm', username: 'MSME-4417', secret: '1234', mode: 'ENTERPRISE' },
+    ],
   },
 ]
 
@@ -187,7 +195,7 @@ export function LoginPage() {
         className="hidden lg:flex flex-col flex-[1.4] px-14 py-12 relative overflow-hidden"
         style={{
           background:
-            'radial-gradient(rgba(63,184,113,0.06) 1px, transparent 1px), linear-gradient(150deg, #06301f 0%, #0b5d3b 58%, #0f6f47 100%)',
+            'radial-gradient(rgba(76,197,130,0.06) 1px, transparent 1px), linear-gradient(150deg, #072e22 0%, #0b4a37 58%, #0e5c44 100%)',
           backgroundSize: '26px 26px, cover',
         }}
       >
@@ -199,6 +207,14 @@ export function LoginPage() {
           <span className="font-mono text-[9px] tracking-[0.2em] text-[#9dbdaa] border border-white/15 rounded-full px-2.5 py-0.5 ml-1">
             NABARD HACKATHON
           </span>
+          <img
+            src="/nabard-logo.png"
+            alt="NABARD"
+            className="h-10 w-auto object-contain bg-white rounded-md px-2 py-1 ml-auto shrink-0"
+            onError={(e) => {
+              e.currentTarget.style.display = 'none'
+            }}
+          />
         </div>
 
         <div className="flex-1 flex flex-col justify-center max-w-[560px]">
@@ -235,11 +251,21 @@ export function LoginPage() {
       {/* ── right: sign-in ───────────────────────────────────── */}
       <div className="flex-1 min-w-[380px] bg-white text-slate-900 flex flex-col justify-center px-10 py-12">
         <div className="w-full max-w-[380px] mx-auto">
-          <div className="flex items-center gap-2 mb-1 lg:hidden">
+          <div className="flex items-center gap-2 mb-4">
-            <UdyamMark size={24} />
+            <div className="flex items-center gap-2 lg:hidden">
-            <span className="text-[16px] font-bold text-forest">
+              <UdyamMark size={24} />
-              Udyam<span className="text-amber">Linc</span>
+              <span className="text-[16px] font-bold text-forest">
-            </span>
+                Udyam<span className="text-amber">Linc</span>
+              </span>
+            </div>
+            <img
+              src="/nabard-logo.png"
+              alt="NABARD"
+              className="h-10 w-auto object-contain ml-auto shrink-0"
+              onError={(e) => {
+                e.currentTarget.style.display = 'none'
+              }}
+            />
           </div>
 
           <h2 className="text-[19px] font-bold text-forest">{hi ? 'अपने उद्यम में जाएँ' : 'Sign in to the console'}</h2>
@@ -398,6 +424,23 @@ export function LoginPage() {
               ? 'आपकी निजी जानकारी कहीं नहीं रखी जाती।'
               : 'Consent-first, explainable and auditable by design — no personally identifiable data.'}
           </p>
+
+          {/* Event attribution. Lives on the sign-in panel rather than the
+              branding panel because that one is `hidden lg:flex` and vanishes
+              below 1024px. No white chip needed here — the panel is white. */}
+          <div className="flex items-center justify-center gap-2.5 mt-5 pt-5 border-t border-slate-200">
+            <img
+              src="/nabard-logo.png"
+              alt="NABARD"
+              className="h-9 w-auto object-contain shrink-0"
+              onError={(e) => {
+                e.currentTarget.style.display = 'none'
+              }}
+            />
+            <span className="text-[10px] text-slate-400 font-mono leading-relaxed">
+              Built for the NABARD Hackathon 2025
+            </span>
+          </div>
         </div>
       </div>
     </div>

src/styles/demo.css

@@ -0,0 +1,267 @@
+/* ==================================================================
+ * Demo page — one borrower, both sides
+ *
+ * Scoped under `.dm`. Its whole job is a comparison, so the two columns
+ * carry equal weight and the phone is drawn as a phone: the jury has to
+ * recognise which side is which without being told twice.
+ *
+ * Severity keeps the meaning it carries everywhere else in the console —
+ * red is act-now, amber is in-window, blue is watch, green is covered.
+ * Nothing here invents a new colour language for one screen.
+ *
+ * Tokens come from index.css (`@theme`), so this file defines no colours
+ * of its own beyond the two phone-chrome shades.
+ * ================================================================== */
+
+.dm {
+  max-width: 1280px;
+  margin: 0 auto;
+  padding: 24px 20px 48px;
+  display: flex;
+  flex-direction: column;
+  gap: 18px;
+  color: var(--color-ink);
+}
+.dm .num { font-variant-numeric: tabular-nums; }
+
+/* ── header ────────────────────────────────────────────────────── */
+.dm-top {
+  display: flex; gap: 26px; align-items: flex-end; flex-wrap: wrap;
+  padding-bottom: 16px; border-bottom: 1px solid var(--color-line);
+}
+.dm-top-lede { flex: 1 1 340px; min-width: 0; }
+.dm-top h1 {
+  font-size: 25px; font-weight: 700; letter-spacing: -0.028em; margin: 0;
+  text-wrap: balance; color: var(--color-ink);
+}
+.dm-top p {
+  margin: 6px 0 0; font-size: 13px; line-height: 1.55;
+  color: var(--color-ink-2); max-width: 62ch;
+}
+.dm-facts { display: flex; gap: 26px; margin: 0; flex-wrap: wrap; }
+.dm-facts dt {
+  font-size: 9.5px; letter-spacing: 0.1em; text-transform: uppercase;
+  color: var(--color-ink-3); font-weight: 700;
+}
+.dm-facts dd {
+  margin: 3px 0 0; font-size: 14px; font-weight: 700; color: var(--color-ink);
+  font-variant-numeric: tabular-nums;
+}
+
+.dm-warn {
+  background: var(--color-amber-soft); border: 1px solid rgba(224, 128, 25, 0.28);
+  border-radius: var(--radius-card); padding: 12px 15px;
+  font-size: 12.5px; color: #7a4505; line-height: 1.55;
+}
+.dm-warn button {
+  font: inherit; font-weight: 700; color: var(--color-lp-blue);
+  background: none; border: none; cursor: pointer; padding: 0; text-decoration: underline;
+}
+
+/* ── two columns of equal weight ───────────────────────────────── */
+.dm-split { display: grid; gap: 20px; grid-template-columns: 1.35fr 1fr; align-items: start; }
+@media (max-width: 960px) { .dm-split { grid-template-columns: 1fr; } }
+
+.dm-col-head { margin-bottom: 11px; }
+.dm-tag {
+  display: inline-block; font-size: 9.5px; letter-spacing: 0.12em;
+  text-transform: uppercase; font-weight: 700; color: var(--color-lp-blue);
+  background: var(--color-lp-blue-soft); border-radius: 20px; padding: 3px 9px;
+}
+.dm-col-head h2 {
+  font-size: 16px; font-weight: 700; letter-spacing: -0.018em;
+  margin: 7px 0 0; color: var(--color-ink);
+}
+
+/* ── triage ────────────────────────────────────────────────────── */
+.dm-triage {
+  display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px;
+  background: var(--color-line); border: 1px solid var(--color-line);
+  border-radius: var(--radius-card); overflow: hidden; box-shadow: var(--sh);
+  margin-bottom: 14px;
+}
+.dm-seg { background: #fff; padding: 12px 13px 11px; position: relative; }
+.dm-seg::after {
+  content: ""; position: absolute; inset: auto 0 0 0; height: 3px;
+  background: var(--seg, var(--color-ink-3));
+}
+.dm-seg.is-now    { --seg: var(--color-risk-red); }
+.dm-seg.is-window { --seg: var(--color-amber); }
+.dm-seg.is-watch  { --seg: var(--color-lp-blue); }
+.dm-seg.is-clear  { --seg: var(--color-green); }
+.dm-seg-label {
+  display: block; font-size: 9.5px; letter-spacing: 0.09em; text-transform: uppercase;
+  color: var(--color-ink-3); font-weight: 700;
+}
+.dm-seg-val {
+  display: block; font-size: 27px; font-weight: 700; line-height: 1.05;
+  letter-spacing: -0.03em; margin: 4px 0 2px; color: var(--seg);
+  font-variant-numeric: tabular-nums;
+}
+.dm-seg-cap { display: block; font-size: 10.5px; color: var(--color-ink-3); line-height: 1.35; }
+
+/* ── work list ─────────────────────────────────────────────────── */
+.dm-list {
+  list-style: none; margin: 0; padding: 0; display: grid; gap: 1px;
+  background: var(--color-line); border: 1px solid var(--color-line);
+  border-radius: var(--radius-card); overflow: hidden; box-shadow: var(--sh);
+}
+.dm-row {
+  width: 100%; display: flex; gap: 12px; align-items: center; text-align: left;
+  background: #fff; border: none; color: inherit; font: inherit; cursor: pointer;
+  padding: 11px 13px; transition: background 0.15s;
+  border-left: 3px solid transparent;
+}
+.dm-row:hover { background: var(--color-surface-2); }
+.dm-row.is-on { background: var(--color-lp-blue-soft); border-left-color: var(--color-lp-blue); }
+.dm-score {
+  width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center;
+  flex: none; font-size: 14px; font-weight: 700; border: 1px solid;
+  font-variant-numeric: tabular-nums;
+}
+.dm-score.is-now    { background: var(--color-risk-soft);    color: #9c2b1f; border-color: rgba(192, 57, 43, 0.22); }
+.dm-score.is-window { background: var(--color-amber-soft);   color: #8a4e05; border-color: rgba(224, 128, 25, 0.24); }
+.dm-score.is-watch  { background: var(--color-lp-blue-soft); color: #1d5490; border-color: rgba(42, 113, 184, 0.22); }
+.dm-score.is-clear  { background: var(--color-green-soft);   color: #186b3d; border-color: rgba(40, 174, 100, 0.22); }
+.dm-row-body { min-width: 0; flex: 1; }
+.dm-row-top { display: flex; align-items: baseline; gap: 8px; flex-wrap: wrap; }
+.dm-row-top b { font-size: 13px; font-weight: 700; }
+.dm-when {
+  font-size: 10px; font-weight: 700; padding: 2px 8px; border-radius: 20px;
+  background: var(--color-amber-soft); color: #8a4e05; white-space: nowrap;
+}
+.dm-when.is-now   { background: var(--color-risk-soft);  color: #9c2b1f; }
+.dm-when.is-clear { background: var(--color-green-soft); color: #186b3d; }
+.dm-meta { display: block; font-size: 10.5px; color: var(--color-ink-3); margin-top: 1px; }
+.dm-why { display: block; font-size: 11.5px; color: var(--color-ink-2); margin-top: 3px; }
+.dm-empty {
+  background: #fff; padding: 22px; text-align: center;
+  font-size: 12.5px; color: var(--color-ink-3);
+}
+
+/* ── the phone ─────────────────────────────────────────────────── */
+.dm-phone {
+  max-width: 340px; margin: 0 auto; background: #fff;
+  border: 8px solid #1c2429; border-radius: 26px; overflow: hidden;
+  box-shadow: 0 10px 30px rgba(13, 20, 24, 0.16);
+}
+.dm-phone-bar {
+  background: #1c2429; color: #fff; padding: 6px 14px 10px;
+  display: flex; align-items: baseline; justify-content: space-between; gap: 10px;
+  font-size: 12px; font-weight: 700;
+}
+.dm-live { font-size: 9.5px; font-weight: 600; color: #7fe0ad; letter-spacing: 0.04em; }
+.dm-phone-body { padding: 12px; display: flex; flex-direction: column; gap: 10px; }
+
+.dm-alert {
+  background: var(--color-risk-red); color: #fff; border-radius: 10px; padding: 11px 13px;
+  display: flex; flex-direction: column; gap: 3px;
+}
+.dm-alert b { font-size: 13px; line-height: 1.35; }
+.dm-alert span { font-size: 11.5px; color: rgba(255, 255, 255, 0.9); }
+.dm-ok {
+  background: var(--color-green-soft); border: 1px solid rgba(40, 174, 100, 0.22);
+  color: #186b3d; border-radius: 10px; padding: 11px 13px; font-size: 12px;
+}
+.dm-skel { height: 62px; border-radius: 10px; background: var(--color-surface-3); }
+
+.dm-fc-head {
+  display: flex; justify-content: space-between; gap: 8px; align-items: baseline;
+  font-size: 9.5px; letter-spacing: 0.08em; text-transform: uppercase;
+  color: var(--color-ink-3); font-weight: 700; margin-bottom: 7px;
+}
+.dm-bars { display: grid; grid-template-columns: repeat(6, 1fr); gap: 6px; height: 92px; }
+.dm-bar { display: flex; flex-direction: column; gap: 4px; min-height: 0; }
+.dm-bar-track {
+  flex: 1; position: relative; display: flex; align-items: flex-end;
+  background: var(--color-surface-3); border-radius: 4px;
+}
+.dm-bar-fill { width: 100%; border-radius: 4px; background: var(--color-lp-blue-l); }
+.dm-bar-fill.is-breach { background: var(--color-risk-red); }
+/* What the instalment needs. A bar ending below this line is the shortfall. */
+.dm-bar-need {
+  position: absolute; left: -1px; right: -1px; height: 0;
+  border-top: 2px dashed var(--color-ink-2);
+}
+.dm-bar-x { font-size: 9.5px; color: var(--color-ink-3); text-align: center; }
+.dm-legend {
+  margin: 8px 0 0; font-size: 10px; color: var(--color-ink-3);
+  display: flex; align-items: center; gap: 5px; flex-wrap: wrap;
+}
+.dm-key-bar {
+  width: 10px; height: 10px; border-radius: 2px;
+  background: var(--color-lp-blue-l); display: inline-block;
+}
+.dm-key-line {
+  width: 12px; border-top: 2px dashed var(--color-ink-2);
+  display: inline-block; margin-left: 6px;
+}
+
+.dm-reasons ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; }
+.dm-reasons li {
+  font-size: 11.5px; line-height: 1.45; color: var(--color-ink-2);
+  padding-left: 12px; position: relative;
+}
+.dm-reasons li::before {
+  content: ""; position: absolute; left: 0; top: 6px;
+  width: 5px; height: 5px; border-radius: 50%; background: var(--color-amber);
+}
+.dm-today {
+  display: flex; gap: 14px; font-size: 11.5px; color: var(--color-ink-3);
+  border-top: 1px solid var(--color-line); padding-top: 9px;
+}
+.dm-today b { color: var(--color-ink); }
+
+/* ── agreement table ───────────────────────────────────────────── */
+.dm-agree {
+  background: #fff; border: 1px solid var(--color-line);
+  border-radius: var(--radius-card); padding: 18px 20px; box-shadow: var(--sh);
+}
+.dm-table-wrap { overflow-x: auto; }
+.dm-agree table { width: 100%; border-collapse: collapse; min-width: 520px; }
+.dm-agree thead th {
+  font-size: 9.5px; letter-spacing: 0.09em; text-transform: uppercase;
+  color: var(--color-ink-3); font-weight: 700; text-align: left;
+  padding: 0 12px 7px 0; border-bottom: 1px solid var(--color-line);
+}
+.dm-agree tbody th {
+  font-size: 12px; font-weight: 600; color: var(--color-ink-2);
+  text-align: left; padding: 10px 12px 10px 0;
+}
+.dm-agree tbody td {
+  font-size: 13px; font-weight: 700; color: var(--color-ink);
+  padding: 10px 12px 10px 0; font-variant-numeric: tabular-nums;
+}
+.dm-agree tbody tr + tr th,
+.dm-agree tbody tr + tr td { border-top: 1px solid var(--color-line); }
+.dm-yes { color: var(--color-green); font-size: 11px; font-weight: 700; }
+.dm-no  { color: var(--color-risk-red); font-size: 11px; font-weight: 700; }
+.dm-note {
+  margin: 12px 0 0; font-size: 11.5px; color: var(--color-ink-3);
+  line-height: 1.5; max-width: 70ch;
+}
+
+.dm-foot {
+  display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap;
+  font-size: 11.5px; color: var(--color-ink-3);
+  border-top: 1px solid var(--color-line); padding-top: 14px;
+}
+.dm-foot a { color: var(--color-lp-blue); font-weight: 600; }
+.dm button:focus-visible { outline: 2px solid var(--color-lp-blue); outline-offset: 2px; }
+
+/* A borrower with no phone app. Stated rather than shown as an error: the
+   platform not needing the app is a claim worth making on this screen. */
+.dm-none {
+  background: var(--color-surface-3); border: 1px solid var(--color-line);
+  border-radius: 10px; padding: 12px 13px;
+  display: flex; flex-direction: column; gap: 5px;
+}
+.dm-none b { font-size: 12.5px; color: var(--color-ink); }
+.dm-none span { font-size: 11.5px; line-height: 1.5; color: var(--color-ink-2); }
+
+.dm-hasapp {
+  margin-left: 7px; font-size: 9px; font-weight: 700; letter-spacing: 0.04em;
+  text-transform: uppercase; color: var(--color-lp-blue);
+  background: var(--color-lp-blue-soft); border-radius: 20px; padding: 1px 6px;
+  white-space: nowrap;
+}

vite.config.ts

@@ -3,10 +3,34 @@ import react from '@vitejs/plugin-react'
 import tailwindcss from '@tailwindcss/vite'
 
 // https://vite.dev/config/
+/**
+ * The backend, for the two dev-time servers. Production does not use either of
+ * these — nginx or httpd proxies /api/ there — but `npm run preview` serves the
+ * real production bundle, which is built with a *relative* API base and so has
+ * no host to call without a proxy in front of it. Without this block the only
+ * way to exercise the shipped artifact is to deploy it, which is how a bundle
+ * reaches a demo server untested.
+ */
+const API_TARGET = 'http://127.0.0.1:8082'
+
+const proxy = {
+  '/api': {
+    target: API_TARGET,
+    changeOrigin: true,
+  },
+}
+
 export default defineConfig({
   plugins: [react(), tailwindcss()],
   server: {
     // 5180 belongs to BharatLinc-UI — UdyamLinc runs alongside it
     port: 5182,
+    proxy,
+  },
+  // Serves dist/ exactly as it will be served in production, with the same
+  // relative API base, so a preview run is a real rehearsal of the deployment.
+  preview: {
+    port: 4173,
+    proxy,
   },
 })