• Clear Log Out in Settings (return to welcome; local journal stays unless you delete data).
• Local-first onboarding—no email or password; tap Get Started.
• Softer education-first wording; holdings journal for reflection.
• Impulse Guard, circle-of-competence scoring, Moat Radar 2.0 (Pro), Zen Mode, ~90-day reviews.
• Educational valuation worksheets labeled for journaling only.
• Performance and reliability improvements.