Direction B · Refined · For sign-off

Precision, completed.

The chosen nav model, taken to a buildable target: slim top navigation for the site, a sidebar that belongs only to Ask P&P AI, sticky section tabs on dense pages, and the floating Ask-AI widget everywhere else. Every number below is real verified P&P data. Toggle ◐ for dark — both themes are first-class.

✦ Ask P&P AI →

Full-height chat with its own sidebar: New chat + 13 recents grouped Today / Yesterday / This week / Earlier, with short smart titles.

First-touch heroPopulated thread (?chat=1)Mobile history pill
Wallet →

Cards & Points, plus the new Monthly Budget by Category — band chips and free numeric entry, with the best-card math beside every row.

Sticky section tabsEmpty state (?state=empty)Custom $ input
Points Strategy →

Earn · Use · Activate under sticky tabs. The full 21×7 true-value matrix is now the primary earn view — the category accordion is gone.

¢/$1 ⇄ multiplier lensSticky card columnWallet-row highlight
Programs + floating Ask-AI →

A non-AI page: 28 programs at verified typical values, with the collapsed ✦ pill bottom-right. Tap it — mini-chat with an inline answer and “Open full chat →”.

Widget collapsedWidget expanded (?widget=open)Filter chips
Refined vs the exploration mock:
  • Real multi-page navigation (each nav item is a URL) instead of a single-file view switcher.
  • Matrix replaces the earn accordion as the primary view, defaulting to the ¢-per-$1 lens, with * detail popovers and base-¢/pt column.
  • Budget entry rebuilt: band chips + Custom… numeric input per category, unanswered-category affordance, live total.
  • Floating Ask-AI widget (PR #157 behavior) present on all non-AI pages; sidebar recents are now short smart titles.
  • Updated to current verified values (Capital One 2.04¢, Citi 2.31¢) — earning-power KPIs recomputed honestly.

    • Hosted mockup only — no production code was changed · earlier exploration gallery →