Every screen of the approved direction, complete: the new logged-out marketing homepage, the wallet in both first-run and populated states, budget by category, the matrix-first strategy page, and the AI surfaces. Every number is real verified P&P data. Toggle ◐ for dark — both themes ship. Each page carries its own one-line build note in the footer.
NEW. The marketing front door for pointsandprompts.com: hero + "Build your wallet" CTA, what-you-get trio, the ¢/$1 math moment with real numbers, trust strip, the 6× point-value spread, grounded-AI proof, footer.
NEW. No more blank page: the real wallet layout as an elegant ghosted shell (buckets, $0 KPIs) with the 3-step setup wizard running on top — programs → balances → monthly budget, which lives in the wallet and stays editable.
Aligned bucket rows with balance + $ value per program, the $/Points toggle that switches only the top totals, and Monthly Budget by Category filled in at $3,300/mo — band chips and Custom… numeric entry.
Full-height chat with the AI-only sidebar: New chat + recents grouped Today / Yesterday / This week / Earlier with smart short titles. First-touch hero and a populated grounded thread.
Earn · Use · Activate under sticky tabs. The 21×7 true-value matrix is the primary earn view — accordion gone — with ¢/$1 ⇄ multiplier lens, wallet-row highlights, and * detail popovers.
28 programs at verified typical values with filter chips — and the floating ✦ Ask-AI widget every non-AI page gets: collapsed pill, expandable tray with a grounded inline answer and "Open full chat →".