diff --git a/SVS-MSP-Calculator-light.css b/SVS-MSP-Calculator-light.css
index 0ac6272..019a8d7 100644
--- a/SVS-MSP-Calculator-light.css
+++ b/SVS-MSP-Calculator-light.css
@@ -7,14 +7,14 @@
 
 /* ── DESIGN TOKENS (light overrides) ───────────────────────────── */
 :root {
-  --ink:    #1a1816;       /* near-black for body text              */
-  --paper:  #f4f2ed;       /* warm off-white page background        */
-  --accent: #1a6a98;       /* slightly darker blue for contrast     */
-  --muted:  #6b6360;       /* mid-grey for secondary text           */
-  --border: #ccc9c3;       /* light grey borders                    */
-  --card:   #ebe8e2;       /* off-white card background             */
-  --green:  #217045;       /* darker green — accessible on white    */
-  --amber:  #a05f00;       /* darker amber — accessible on white    */
+  --ink:    #2c2825;       /* soft near-black — readable without harshness  */
+  --paper:  #f4f2ed;       /* warm off-white page background                */
+  --accent: #1a6a98;       /* blue — good for buttons, kept full strength   */
+  --muted:  #6b6360;       /* mid-grey for secondary text                   */
+  --border: #d0cdc7;       /* soft warm-grey borders                        */
+  --card:   #ebe8e2;       /* off-white card background                     */
+  --green:  #217045;       /* darker green — accessible on white            */
+  --amber:  #a05f00;       /* darker amber — accessible on white            */
 }
 
 /* ── BODY ────────────────────────────────────────────────────────── */
@@ -30,11 +30,12 @@ body {
 ─────────────────────────────────────────────────────────────────── */
 .top-bar {
   background: #e8e4db !important;
+  border-bottom-color: rgba(0, 0, 0, 0.09) !important;  /* replace strong blue stripe with soft warm separator */
 }
 
 /* ── SECTION CARDS ───────────────────────────────────────────────── */
 .section {
-  background: #ffffff !important;
+  background: #faf9f5 !important;  /* warm white — less stark than pure white on cream background */
 }
 
 /* ── CHEVRON PILL — swap white-alpha tint for dark-alpha ─────────── */
@@ -48,12 +49,12 @@ body {
 
 /* ── SECTION HOVER / OPEN GLOW ───────────────────────────────────── */
 .section:hover {
-  border-color: rgba(26, 106, 152, 0.3) !important;
-  box-shadow: -3px 0 0 0 rgba(26, 106, 152, 0.35) !important;
+  border-color: rgba(26, 106, 152, 0.22) !important;
+  box-shadow: -3px 0 0 0 rgba(26, 106, 152, 0.25) !important;
 }
 .sec-open {
-  border-color: rgba(26, 106, 152, 0.45) !important;
-  box-shadow: -3px 0 0 0 rgba(26, 106, 152, 0.65) !important;
+  border-color: rgba(26, 106, 152, 0.35) !important;
+  box-shadow: -3px 0 0 0 rgba(26, 106, 152, 0.45) !important;
 }
 
 /* ── CALLOUT BOXES ───────────────────────────────────────────────── */
@@ -78,7 +79,12 @@ body {
   color: var(--ink) !important;
 }
 .addon-row.selected .addon-price {
-  color: var(--accent) !important;
+  color: var(--accent) !important;  /* override dark-mode #62c5f0 */
+}
+
+/* ── FEATURE CARDS ───────────────────────────────────────────────── */
+.feature-card {
+  background: #f0ede7 !important;
 }
 
 /* ── NUDGE BANNER ────────────────────────────────────────────────── */
diff --git a/SVS-MSP-Calculator.css b/SVS-MSP-Calculator.css
index cf87a01..020b1a5 100644
--- a/SVS-MSP-Calculator.css
+++ b/SVS-MSP-Calculator.css
@@ -26,7 +26,7 @@
     --ink: #ddd8d0;
     --paper: #22201d;
     --accent: #2d7aa8;
-    --muted: #a09890;
+    --muted: #b0a898;   /* lifted slightly — #a09890 was too faint on dark cards */
     --border: #3a3630;
     --card: #2a2722;
     --green: #3ab870;
@@ -166,7 +166,7 @@
     margin-left: 96px;
     border-radius: 12px;
     border: 1px solid var(--border);
-    background: #1e1c18;
+    background: #272420;  /* elevated above paper #22201d — was #1e1c18 (sunken) */
     padding: 32px 36px 36px;
   }
   .main-col > .section:first-of-type { margin-top: 24px; }
@@ -555,8 +555,8 @@
      first line; text wrapped in <span> so it never flows under icon.
   ─────────────────────────────────────────────────────────────── */
   .callout-green {
-    background: #0d2016;
-    border: 1px solid #1e4a30;
+    background: #162e22;  /* dark muted green — was #0d2016 (near-black, unreadable as green) */
+    border: 1px solid #245840;
     border-radius: 6px;
     padding: 14px 18px;
     font-family: 'DM Mono', monospace;
@@ -569,13 +569,13 @@
     gap: 9px;
   }
   .callout-red {
-    background: #200d10;
-    border: 1px solid #4a1e24;
+    background: #2a1319;  /* dark muted red — was #200d10 (near-black) */
+    border: 1px solid #5e2830;
     border-radius: 6px;
     padding: 14px 18px;
     font-family: 'DM Mono', monospace;
     font-size: 14px;
-    color: #e06070;
+    color: #e87882;  /* slightly lighter than #e06070 for better contrast on dark red bg */
     margin-bottom: 24px;
     line-height: 1.65;
     display: flex;
@@ -775,13 +775,13 @@
     box-sizing: border-box;
   }
   .nudge-banner.amber {
-    background: #1f1500;
-    color: #d4901a;
+    background: #2a1e06;  /* warm amber-tinted dark — was #1f1500 (near-black) */
+    color: var(--amber);  /* use token — was hardcoded #d4901a */
     border-left: 3px solid var(--amber);
   }
   .nudge-banner.green {
-    background: #1a2e20;
-    color: #3dc472;
+    background: #162e22;  /* match callout-green — was #1a2e20 */
+    color: var(--green);  /* use token — was off-token #3dc472 */
     border-left: 3px solid var(--green);
   }
   .nudge-banner-label {
@@ -1224,8 +1224,8 @@
   }
   .savings-result {
     margin-top: 12px;
-    background: #0d2016;
-    border: 1px solid #1e4a30;
+    background: #162e22;  /* match callout-green — was #0d2016 (near-black) */
+    border: 1px solid #245840;
     border-radius: 6px;
     padding: 12px 16px;
     font-family: 'DM Mono', monospace;
@@ -1267,8 +1267,8 @@
   .pitch-title { font-family: 'Poppins', sans-serif; font-weight: 600; font-size: 16px; margin-bottom: 8px; }
   .pitch-desc { font-size: 14px; color: var(--muted); line-height: 1.7; }
   .pitch-footer {
-    background: #1a2e20;
-    border-top: 1px solid #1e4a30;
+    background: #162e22;  /* match green callout family — was #1a2e20 */
+    border-top: 1px solid #245840;
     padding: 16px 32px;
     font-family: 'DM Mono', monospace;
     font-size: 13px;
@@ -1299,12 +1299,31 @@
   /* ═══════════════════════════════════════════════════════
      RESPONSIVE — MOBILE FIRST
      Breakpoints:
-       < 600px   — phone portrait
-       600–900px — phone landscape / small tablet
+       < 600px    — phone portrait
+       600–900px  — phone landscape / small tablet
        900–1100px — tablet portrait
-       > 1100px  — desktop (base styles apply)
+       1101–1350px — narrow desktop (2-col, tighter numerals)
+       > 1350px   — desktop (base styles apply)
   ═══════════════════════════════════════════════════════ */
 
+  /* ── NARROW DESKTOP (≤ 1350px, > 1100px) ─────────────────────
+     Reduces the section numeral gutter and outer gap to give the
+     content columns more breathing room on small laptops / narrow
+     monitors before the layout collapses to single-column at 1100px.
+  ─────────────────────────────────────────────────────────────── */
+  @media (max-width: 1350px) {
+    .outer {
+      gap: 36px;
+      padding: 52px clamp(48px,4vw,60px) 52px;
+    }
+    .section { margin-left: 76px; }
+    .section-num { left: -76px; width: 64px; font-size: 54px; top: 30px; }
+    .client-bar { padding: 32px 0 32px 76px; }
+    .quote-settings-bar { margin-left: 76px; }
+    .sections-toolbar { margin-left: 76px; }
+    .top-bar-logo { margin-left: 50px; }
+  }
+
   /* ── TABLET PORTRAIT (≤ 1100px) ── */
   @media (max-width: 1100px) {
     .outer {
diff --git a/SVS-MSP-Calculator.html b/SVS-MSP-Calculator.html
index 7623a07..985f9eb 100644
--- a/SVS-MSP-Calculator.html
+++ b/SVS-MSP-Calculator.html
@@ -275,7 +275,7 @@
   </div>
 
   <div class="sections-toolbar">
-    <button class="btn-toggle-all" id="toggleAllBtn" onclick="toggleAllSections()">Collapse All</button>
+    <button class="btn-toggle-all" id="toggleAllBtn" onclick="toggleAllSections()"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" width="11" height="11" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="vertical-align:middle;margin-right:5px;"><polyline points="6 9 12 15 18 9"/><polyline points="6 15 12 9 18 15"/></svg>Collapse All</button>
   </div>
 
   <!-- ────────────────────────────────────────────────────────────
@@ -635,6 +635,10 @@
         <div class="section-title">Zero Trust Networking <span class="section-title-tag">HaaS</span></div>
         <div class="section-subtitle">Cytracom-powered ZT network access — seats &amp; managed hardware as a service</div>
         <span class="section-badge">Per User + Per Device / Month</span>
+        <div class="sec-collapsed-counter">
+          <button class="sec-count-btn" onclick="stepCount('ztNetSeats',-1,event)">&minus;</button>
+          <button class="sec-count-btn" onclick="stepCount('ztNetSeats',1,event)">+</button>
+        </div>
       </div>
       <span id="sec05-summary" class="sec-summary-badge"></span>
       <div class="sec-chevron"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" width="14" height="14" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="6 9 12 15 18 9"/></svg></div>
@@ -755,7 +759,7 @@
       <div class="savings-input-row">
         <label for="currentPhoneBill">Current monthly phone bill (optional)</label>
         <input type="number" id="currentPhoneBill" placeholder="$0" min="0"
-               oninput="updateSavings()" onchange="updateSavings()">
+               oninput="update()" onchange="update()">
       </div>
       <div id="savingsPrompt" class="savings-prompt" style="display:none;">
         Enter your current phone bill above to see potential savings.
@@ -961,7 +965,7 @@
       </div>
     </div>
     <div class="pitch-footer">
-      ✓ No lock-in contracts on standard plans &nbsp;·&nbsp; ✓ Onboarding included &nbsp;·&nbsp; ✓ Canadian company, Canadian support
+      <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" width="13" height="13" fill="currentColor" style="vertical-align:middle;margin-right:5px;flex-shrink:0;"><path d="M256 512A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209L241 337c-9.4 9.4-24.6 9.4-33.9 0l-64-64c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0l47 47L335 175c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9z"/></svg> Canadian company, Canadian support
     </div>
   </div>
 </div>
diff --git a/SVS-MSP-Calculator.js b/SVS-MSP-Calculator.js
index 94ea32c..5861995 100644
--- a/SVS-MSP-Calculator.js
+++ b/SVS-MSP-Calculator.js
@@ -179,7 +179,7 @@ function calcQuote() {
 
   return {
     users, endpoints, servers, ztSeats, ztRouters, voipSeats, voipTier, addVoipPhone, addVoipFax,
-    byol, addPWM, addINKY, addExtHours, addZT, addUSB, addBMB, ztActive, clientName,
+    byol, addPWM, addINKY, addExtHours, addZT, addUSB, addBMB, ztActive, adminWaived, clientName,
     contractTerm, hstEnabled, oneTimeFee,
     baseUserRate, totalUserRate,
     userBase, userPWM, userINKY, userExt, userZT, userTotal,
@@ -238,7 +238,7 @@ function update() {
   q.oneTimeFee = oneTimeFee;
 
   const { users, endpoints, servers, voipSeats, voipTier,
-          byol, addPWM, addINKY, addExtHours, addZT, addUSB, addBMB, ztActive, clientName,
+          byol, addPWM, addINKY, addExtHours, addZT, addUSB, addBMB, ztActive, adminWaived, clientName,
           contractTerm, hstEnabled,
           baseUserRate,
           userPWM, userINKY, userExt, userZT, userTotal,
@@ -513,7 +513,9 @@ function toggleAllSections() {
 function updateToggleAllBtn() {
   const anyOpen = _allSecIds.some(id => document.getElementById(id)?.classList.contains('sec-open'));
   const btn = document.getElementById('toggleAllBtn');
-  if (btn) btn.textContent = anyOpen ? 'Collapse All' : 'Expand All';
+  const collapseIcon = '<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" width="11" height="11" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="vertical-align:middle;margin-right:5px;"><polyline points="6 9 12 15 18 9"/><polyline points="6 15 12 9 18 15"/></svg>';
+  const expandIcon   = '<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" width="11" height="11" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="vertical-align:middle;margin-right:5px;"><polyline points="6 15 12 9 18 15"/><polyline points="6 9 12 15 18 9"/></svg>';
+  if (btn) btn.innerHTML = anyOpen ? collapseIcon + 'Collapse All' : expandIcon + 'Expand All';
 }
 
 // ── stepCount(inputId, delta, event) ─────────────────────────────
@@ -642,7 +644,10 @@ function updateVsComparison(q) {
   applyVsRow('vs-1man-save-row', 'vs-1man-save', 'vs-1man-save-lbl', save1);
   applyVsRow('vs-5man-save-row', 'vs-5man-save', 'vs-5man-save-lbl', save5);
 
-  getEl('vs-footnote').textContent = `Based on ~$85K Ottawa IT salary (2024) + min $650/mo tool licensing (M365, EDR, RMM, backup, SAT & more). No benefits, hiring, or turnover costs factored.`;
+  const toolsLabel = toolsMonthly <= TOOL_COST_MIN
+    ? `min $${TOOL_COST_MIN}/mo`
+    : `~$${toolsMonthly}/mo`;
+  getEl('vs-footnote').textContent = `Based on ~$85K Ottawa IT salary (2024) + ${toolsLabel} tool licensing (M365, EDR, RMM, backup, SAT & more). No benefits, hiring, or turnover costs factored.`;
 }
 
 // ── renderNudge() ─────────────────────────────────────────────────
@@ -1062,9 +1067,9 @@ function exportQuoteJSON() {
   navigator.clipboard?.writeText(json).then(() => {
     const btn = document.getElementById('btnExportJSON');
     if (btn) {
-      const orig = btn.textContent;
-      btn.textContent = '✓ Copied to clipboard';
-      setTimeout(() => { btn.textContent = orig; }, 2000);
+      const orig = btn.innerHTML;
+      btn.innerHTML = '✓ Copied to clipboard';
+      setTimeout(() => { btn.innerHTML = orig; }, 2000);
     }
   }).catch(() => {});
 }
@@ -1128,8 +1133,22 @@ async function initQuote() {
   const month = months[now.getMonth()];
   const dateStr = `${year}${String(now.getMonth()+1).padStart(2,'0')}${String(now.getDate()).padStart(2,'0')}`;
   const savedRef = localStorage.getItem('svs-msp-quote-ref');
-  const quoteRef = savedRef || `SVS-${dateStr}-${String(Math.floor(Math.random()*9000)+1000)}`;
-  if (!savedRef) localStorage.setItem('svs-msp-quote-ref', quoteRef);
+  let quoteRef;
+  if (savedRef) {
+    // Regenerate if the baked-in date is older than 30 days
+    const m = savedRef.match(/^SVS-(\d{4})(\d{2})(\d{2})-/);
+    const refDate = m ? new Date(+m[1], +m[2] - 1, +m[3]) : null;
+    const ageMs = refDate ? now - refDate : Infinity;
+    if (ageMs > 30 * 24 * 60 * 60 * 1000) {
+      quoteRef = `SVS-${dateStr}-${String(Math.floor(Math.random()*9000)+1000)}`;
+      localStorage.setItem('svs-msp-quote-ref', quoteRef);
+    } else {
+      quoteRef = savedRef;
+    }
+  } else {
+    quoteRef = `SVS-${dateStr}-${String(Math.floor(Math.random()*9000)+1000)}`;
+    localStorage.setItem('svs-msp-quote-ref', quoteRef);
+  }
   document.getElementById('quoteRef').textContent = quoteRef;
   document.getElementById('headerDate').textContent = `${month} ${year}`;
   restoreState();