diff --git a/src/data/mockStore.jsx b/src/data/mockStore.jsx
index a1b0a5d..cf3fa90 100644
--- a/src/data/mockStore.jsx
+++ b/src/data/mockStore.jsx
@@ -2014,7 +2014,6 @@ const MOCK_PROJECTS = [
         commissionType: 'percent_gross',
         commissionRate: 10,
         commission: 4500,
-        additionalExpenses: 1200,
         startDate: '2026-01-20',
         endDate: '2026-03-05',
         completionPercentage: 55,
@@ -2091,7 +2090,6 @@ const MOCK_PROJECTS = [
         commissionType: 'flat',
         commissionRate: 850,
         commission: 850,
-        additionalExpenses: 350,
         startDate: '2025-11-15',
         endDate: '2025-12-10',
         completionPercentage: 100,
@@ -2141,7 +2139,6 @@ const MOCK_PROJECTS = [
         commissionType: 'percent_net',
         commissionRate: 15,
         commission: 3200,
-        additionalExpenses: 900,
         startDate: '2026-01-06',
         endDate: '2026-02-28',
         completionPercentage: 42,
@@ -2217,7 +2214,6 @@ const MOCK_PROJECTS = [
         commissionType: 'custom',
         commissionRate: 5500,
         commission: 5500,
-        additionalExpenses: 3800,
         startDate: '2025-12-01',
         endDate: '2026-02-28',
         completionPercentage: 78,
@@ -2304,7 +2300,6 @@ const MOCK_PROJECTS = [
         commissionType: 'percent_gross',
         commissionRate: 10,
         commission: 2800,
-        additionalExpenses: 600,
         startDate: '2026-01-06',
         endDate: '2026-02-20',
         completionPercentage: 38,
@@ -2378,7 +2373,6 @@ const MOCK_PROJECTS = [
         commissionType: 'flat',
         commissionRate: 1850,
         commission: 1850,
-        additionalExpenses: 450,
         startDate: '2026-02-03',
         endDate: '2026-03-15',
         completionPercentage: 22,
@@ -2431,7 +2425,6 @@ const MOCK_PROJECTS = [
         commissionType: 'percent_gross',
         commissionRate: 10,
         commission: 12500,
-        additionalExpenses: 2800,
         startDate: '2026-01-27',
         endDate: '2026-04-15',
         completionPercentage: 32,
@@ -2526,7 +2519,6 @@ const MOCK_PROJECTS = [
         commissionType: 'percent_net',
         commissionRate: 12,
         commission: 7500,
-        additionalExpenses: 4200,
         startDate: '2025-11-18',
         endDate: '2026-02-28',
         completionPercentage: 88,
@@ -2577,7 +2569,6 @@ const MOCK_PROJECTS = [
         commissionType: 'percent_gross',
         commissionRate: 10,
         commission: 4200,
-        additionalExpenses: 1100,
         startDate: '2026-01-13',
         endDate: '2026-03-10',
         completionPercentage: 50,
@@ -2626,7 +2617,6 @@ const MOCK_PROJECTS = [
         commissionType: 'custom',
         commissionRate: 3500,
         commission: 3500,
-        additionalExpenses: 800,
         startDate: '2025-09-15',
         endDate: '2025-10-28',
         completionPercentage: 100,
@@ -2675,7 +2665,6 @@ const MOCK_PROJECTS = [
         commissionType: 'flat',
         commissionRate: 9500,
         commission: 9500,
-        additionalExpenses: 5200,
         startDate: '2025-12-08',
         endDate: '2026-03-20',
         completionPercentage: 62,
@@ -2732,7 +2721,6 @@ const MOCK_PROJECTS = [
         commissionType: 'percent_gross',
         commissionRate: 10,
         commission: 5800,
-        additionalExpenses: 1500,
         startDate: '2026-01-13',
         endDate: '2026-04-01',
         completionPercentage: 28,
diff --git a/src/pages/owner/OwnerProjectDetail.jsx b/src/pages/owner/OwnerProjectDetail.jsx
index 8ae540a..23a8842 100644
--- a/src/pages/owner/OwnerProjectDetail.jsx
+++ b/src/pages/owner/OwnerProjectDetail.jsx
@@ -68,7 +68,6 @@ const tabs = [
     { id: 'rfis', label: 'RFIs', icon: FileText },
     { id: 'milestones', label: 'Milestones', icon: Milestone },
     { id: 'invoices', label: 'Invoices', icon: DollarSign },
-    { id: 'payments', label: 'Payments', icon: Banknote },
     { id: 'risks', label: 'Risk & Issues', icon: AlertCircle },
     { id: 'activity', label: 'Activity', icon: Clock },
     { id: 'docs', label: 'Docs', icon: FolderOpen },
@@ -265,9 +264,8 @@ const OwnerProjectDetail = () => {
     const activeCommissionConfig = resolvedCommission;
 
     const profitMetrics = useMemo(() => {
-        if (!project) return { totalCosts: 0, commission: 0, commissionFormula: '', additionalExp: 0, grossProfit: 0, netProfit: 0, grossMargin: 0, netMargin: 0 };
+        if (!project) return { totalCosts: 0, commission: 0, commissionFormula: '', grossProfit: 0, netProfit: 0, grossMargin: 0, netMargin: 0 };
         const totalCosts = Number(project.actualCost ?? project.spent) || 0;
-        const additionalExp = Number(project.additionalExpenses) || 0;
         const gross = totalReceived - totalCosts;
 
         const { type, rate } = activeCommissionConfig;
@@ -297,10 +295,10 @@ const OwnerProjectDetail = () => {
         }
         commission = Number.isFinite(commission) ? commission : 0;
 
-        const net = gross - commission - additionalExp;
+        const net = gross - commission;
         const grossMargin = totalReceived > 0 ? (gross / totalReceived) * 100 : 0;
         const netMargin = totalReceived > 0 ? (net / totalReceived) * 100 : 0;
-        return { totalCosts, commission, commissionFormula, additionalExp, grossProfit: gross, netProfit: net, grossMargin, netMargin };
+        return { totalCosts, commission, commissionFormula, grossProfit: gross, netProfit: net, grossMargin, netMargin };
     }, [project, totalReceived, activeCommissionConfig]);
 
     if (!project) {
@@ -736,6 +734,23 @@ const OwnerProjectDetail = () => {
                                                         );
                                                     })}
                                                 </tbody>
+                                                <tfoot className="border-t-2 border-zinc-300 dark:border-white/10">
+                                                    <tr className="bg-zinc-50 dark:bg-white/[0.03]">
+                                                        <td className="px-5 py-4" colSpan={2}>
+                                                            <span className="text-xs font-bold uppercase tracking-widest text-zinc-500 dark:text-zinc-400">Totals</span>
+                                                        </td>
+                                                        <td className="px-5 py-4 text-right font-mono text-sm font-bold text-green-600 dark:text-[#39ff14]">{formatCurrency(totalReceived)}</td>
+                                                        <td className="px-5 py-4 text-right font-mono text-sm font-bold text-[#00f0ff]">{formatCurrency(profitMetrics.totalCosts)}</td>
+                                                        {(() => {
+                                                            const totalVariance = profitMetrics.totalCosts - totalReceived;
+                                                            return (
+                                                                <td className={`px-5 py-4 text-right font-mono text-sm font-bold ${totalVariance > 0 ? 'text-[#ff4500]' : 'text-[#39ff14]'}`}>
+                                                                    {totalVariance > 0 ? '+' : ''}{formatCurrency(totalVariance)}
+                                                                </td>
+                                                            );
+                                                        })()}
+                                                    </tr>
+                                                </tfoot>
                                             </table>
                                         </div>
                                     </NeoCard>
@@ -747,6 +762,329 @@ const OwnerProjectDetail = () => {
                                     <p className="text-sm mt-2 text-zinc-400 font-mono">Budget: {formatCurrency(project.approvedBudget || project.budget)} &nbsp;&middot;&nbsp; Spent: {formatCurrency(project.actualCost || project.spent)}</p>
                                 </NeoCard>
                             )}
+
+                            {/* Commission Configuration Card */}
+                            <NeoCard spotlightColor="rgba(253, 169, 19, 0.1)" innerClassName="!p-5">
+                                <div className="flex items-start justify-between mb-4" onClick={() => openTooltip && setOpenTooltip(null)}>
+                                    <div className="flex items-center gap-2">
+                                        <DollarSign size={18} className={NEON_GOLD} />
+                                        <h4 className="text-sm font-mono font-bold text-zinc-900 dark:text-white uppercase tracking-widest">Commission</h4>
+                                        {/* Source Badge */}
+                                        {(() => {
+                                            const src = resolvedCommission.source;
+                                            const badgeCfg = {
+                                                org: { icon: Building2, label: 'Org Default', color: 'text-sky-500 dark:text-[#00f0ff]', bg: 'bg-sky-50 dark:bg-[#00f0ff]/10', border: 'border-sky-200 dark:border-[#00f0ff]/20' },
+                                                user: { icon: UserIcon, label: 'User Override', color: 'text-purple-500 dark:text-purple-400', bg: 'bg-purple-50 dark:bg-purple-500/10', border: 'border-purple-200 dark:border-purple-500/20' },
+                                                job: { icon: Briefcase, label: 'Job Override', color: 'text-amber-600 dark:text-[#fda913]', bg: 'bg-amber-50 dark:bg-[#fda913]/10', border: 'border-amber-200 dark:border-[#fda913]/20' },
+                                            };
+                                            const b = badgeCfg[src];
+                                            const BadgeIcon = b.icon;
+                                            return (
+                                                <span className={`inline-flex items-center gap-1 px-2 py-0.5 rounded-full text-[10px] font-bold uppercase tracking-widest border ${b.color} ${b.bg} ${b.border}`}>
+                                                    <BadgeIcon size={10} />
+                                                    {b.label}
+                                                </span>
+                                            );
+                                        })()}
+                                    </div>
+                                    <div className="flex items-center gap-1">
+                                        <button
+                                            type="button"
+                                            onClick={(e) => { e.stopPropagation(); setCommissionSettingsOpen(true); }}
+                                            className="p-1.5 rounded-lg hover:bg-amber-500/10 transition-colors group"
+                                            title="Commission Settings"
+                                        >
+                                            <Settings size={15} className="text-zinc-400 dark:text-zinc-500 group-hover:text-amber-500 dark:group-hover:text-[#fda913] transition-colors" />
+                                        </button>
+                                        <div className="relative">
+                                            <button type="button" onClick={(e) => { e.stopPropagation(); setOpenTooltip(prev => prev === 'commission' ? null : 'commission'); }} className="p-1 rounded-lg hover:bg-zinc-100 dark:hover:bg-white/10 transition-colors">
+                                                <Info size={14} className="text-zinc-400 dark:text-zinc-500" />
+                                            </button>
+                                            {openTooltip === 'commission' && (
+                                                <div className="absolute right-0 top-2 z-30 w-72 p-3 rounded-xl bg-white dark:bg-zinc-800 border border-zinc-200 dark:border-white/10 shadow-xl text-xs text-zinc-600 dark:text-zinc-300">
+                                                    <p className="font-bold text-zinc-900 dark:text-white mb-2">Commission Hierarchy</p>
+                                                    <div className="space-y-1.5">
+                                                        <p><span className="font-bold text-amber-600 dark:text-amber-400">Job Override:</span> Highest priority — set per job</p>
+                                                        <p><span className="font-bold text-purple-600 dark:text-purple-400">User Override:</span> Per-user commission settings</p>
+                                                        <p><span className="font-bold text-sky-600 dark:text-[#00f0ff]">Org Default:</span> Organization-wide fallback</p>
+                                                    </div>
+                                                    <div className="mt-2 pt-2 border-t border-zinc-100 dark:border-white/5">
+                                                        <p className="text-[10px] text-zinc-500">Priority: Job &rarr; User &rarr; Org</p>
+                                                    </div>
+                                                </div>
+                                            )}
+                                        </div>
+                                    </div>
+                                </div>
+
+                                <div className="grid grid-cols-1 sm:grid-cols-12 gap-4 items-end">
+                                    <div className="sm:col-span-4">
+                                        <label className="text-[10px] font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400 block mb-1.5">Type</label>
+                                        <select
+                                            value={activeCommissionConfig.type}
+                                            onChange={e => setCommissionConfig(prev => ({ ...(prev || { type: activeCommissionConfig.type, rate: activeCommissionConfig.rate }), type: e.target.value, rate: '' }))}
+                                            className="w-full bg-zinc-50 dark:bg-[#18181b] border border-zinc-200 dark:border-white/10 rounded-xl px-4 py-2.5 text-sm text-zinc-900 dark:text-white outline-none focus:border-amber-500 dark:focus:border-amber-500 focus:ring-1 focus:ring-amber-500/30 transition-all"
+                                        >
+                                            {COMMISSION_TYPES.map(ct => (
+                                                <option key={ct.value} value={ct.value}>{ct.label}</option>
+                                            ))}
+                                        </select>
+                                    </div>
+                                    <div className="sm:col-span-4">
+                                        <label className="text-[10px] font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400 block mb-1.5">
+                                            {activeCommissionConfig.type === 'percent_gross' || activeCommissionConfig.type === 'percent_net' ? 'Rate (%)' : 'Amount ($)'}
+                                        </label>
+                                        <div className="relative">
+                                            <span className="absolute left-3 top-1/2 -translate-y-1/2 text-sm text-zinc-400 dark:text-zinc-500 pointer-events-none">
+                                                {activeCommissionConfig.type === 'percent_gross' || activeCommissionConfig.type === 'percent_net' ? '%' : '$'}
+                                            </span>
+                                            <input
+                                                type="number"
+                                                step="any"
+                                                min="0"
+                                                value={activeCommissionConfig.rate}
+                                                onChange={e => setCommissionConfig(prev => ({ ...(prev || { type: activeCommissionConfig.type, rate: activeCommissionConfig.rate }), type: activeCommissionConfig.type, rate: e.target.value }))}
+                                                placeholder={activeCommissionConfig.type === 'percent_gross' || activeCommissionConfig.type === 'percent_net' ? 'e.g. 10' : 'e.g. 5000'}
+                                                className="w-full bg-zinc-50 dark:bg-[#18181b] border border-zinc-200 dark:border-white/10 rounded-xl pl-8 pr-4 py-2.5 text-sm text-zinc-900 dark:text-white placeholder-zinc-400 dark:placeholder-zinc-600 outline-none focus:border-amber-500 dark:focus:border-amber-500 focus:ring-1 focus:ring-amber-500/30 transition-all"
+                                            />
+                                        </div>
+                                    </div>
+                                    <div className="sm:col-span-4">
+                                        <label className="text-[10px] font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400 block mb-1.5">Calculated Commission</label>
+                                        <div className="bg-zinc-100 dark:bg-black/40 border border-zinc-200 dark:border-white/5 rounded-xl px-4 py-2.5 flex items-center justify-between">
+                                            <span className="text-lg font-black font-mono text-amber-600 dark:text-[#fda913]">{formatCurrency(profitMetrics.commission)}</span>
+                                        </div>
+                                    </div>
+                                </div>
+
+                                <div className="mt-3 px-3 py-2 bg-zinc-50 dark:bg-black/30 rounded-lg border border-zinc-100 dark:border-white/5 flex items-center justify-between">
+                                    <p className="text-[11px] font-mono text-zinc-500 dark:text-zinc-400">
+                                        <span className="text-amber-600 dark:text-amber-500 font-bold">Formula: </span>
+                                        {profitMetrics.commissionFormula}
+                                    </p>
+                                </div>
+                            </NeoCard>
+
+                            {/* Profit Summary Cards */}
+                            <div className="grid grid-cols-1 sm:grid-cols-2 gap-4">
+                                <NeoCard
+                                    spotlightColor={profitMetrics.grossProfit >= 0 ? "rgba(57, 255, 20, 0.12)" : "rgba(255, 0, 60, 0.12)"}
+                                    innerClassName="!p-5"
+                                >
+                                    <div className="flex items-start justify-between mb-3">
+                                        <div className="flex items-center gap-2">
+                                            <TrendingUp size={18} className={profitMetrics.grossProfit >= 0 ? NEON_GREEN : NEON_RED} />
+                                            <h4 className="text-xs font-mono font-bold text-zinc-500 dark:text-zinc-400 uppercase tracking-widest">Gross Profit</h4>
+                                        </div>
+                                        <div className="relative">
+                                            <button type="button" onClick={(e) => { e.stopPropagation(); setOpenTooltip(prev => prev === 'gross' ? null : 'gross'); }} className="p-1 rounded-lg hover:bg-zinc-100 dark:hover:bg-white/10 transition-colors">
+                                                <Info size={14} className="text-zinc-400 dark:text-zinc-500" />
+                                            </button>
+                                            {openTooltip === 'gross' && (
+                                                <div className="absolute right-0 top-2 z-30 w-64 p-3 rounded-xl bg-white dark:bg-zinc-800 border border-zinc-200 dark:border-white/10 shadow-xl text-xs text-zinc-600 dark:text-zinc-300">
+                                                    <p className="font-bold text-zinc-900 dark:text-white mb-1">Gross Profit Formula</p>
+                                                    <p className="font-mono text-[11px]">Total Received − Total Actual Costs</p>
+                                                    <div className="mt-2 pt-2 border-t border-zinc-100 dark:border-white/5 space-y-1">
+                                                        <p>{formatCurrency(totalReceived)} − {formatCurrency(profitMetrics.totalCosts)} = {formatCurrency(profitMetrics.grossProfit)}</p>
+                                                    </div>
+                                                </div>
+                                            )}
+                                        </div>
+                                    </div>
+                                    <div className={`text-3xl sm:text-4xl font-black font-mono tracking-tight ${profitMetrics.grossProfit >= 0 ? NEON_GREEN : NEON_RED}`}>
+                                        {profitMetrics.grossProfit >= 0 ? '+' : ''}{formatCurrency(profitMetrics.grossProfit)}
+                                    </div>
+                                    <div className="flex items-center gap-2 mt-2">
+                                        <span className={`text-xs font-bold px-2 py-0.5 rounded-full ${
+                                            profitMetrics.grossMargin >= 0
+                                                ? 'text-green-600 dark:text-[#39ff14] bg-green-50 dark:bg-[#39ff14]/10 border border-green-200 dark:border-[#39ff14]/20'
+                                                : 'text-red-600 dark:text-[#ff003c] bg-red-50 dark:bg-[#ff003c]/10 border border-red-200 dark:border-[#ff003c]/20'
+                                        }`}>
+                                            {profitMetrics.grossMargin >= 0 ? '+' : ''}{profitMetrics.grossMargin.toFixed(1)}% margin
+                                        </span>
+                                    </div>
+                                </NeoCard>
+
+                                <NeoCard
+                                    spotlightColor={profitMetrics.netProfit >= 0 ? "rgba(57, 255, 20, 0.12)" : "rgba(255, 0, 60, 0.12)"}
+                                    innerClassName="!p-5"
+                                >
+                                    <div className="flex items-start justify-between mb-3">
+                                        <div className="flex items-center gap-2">
+                                            <DollarSign size={18} className={profitMetrics.netProfit >= 0 ? NEON_GREEN : NEON_RED} />
+                                            <h4 className="text-xs font-mono font-bold text-zinc-500 dark:text-zinc-400 uppercase tracking-widest">Net Profit</h4>
+                                        </div>
+                                        <div className="relative">
+                                            <button type="button" onClick={(e) => { e.stopPropagation(); setOpenTooltip(prev => prev === 'net' ? null : 'net'); }} className="p-1 rounded-lg hover:bg-zinc-100 dark:hover:bg-white/10 transition-colors">
+                                                <Info size={14} className="text-zinc-400 dark:text-zinc-500" />
+                                            </button>
+                                            {openTooltip === 'net' && (
+                                                <div className="absolute right-0 top-2 z-30 w-72 p-3 rounded-xl bg-white dark:bg-zinc-800 border border-zinc-200 dark:border-white/10 shadow-xl text-xs text-zinc-600 dark:text-zinc-300">
+                                                    <p className="font-bold text-zinc-900 dark:text-white mb-1">Net Profit Formula</p>
+                                                    <p className="font-mono text-[11px]">Gross Profit − Commission</p>
+                                                    <div className="mt-2 pt-2 border-t border-zinc-100 dark:border-white/5 space-y-1">
+                                                        <p>{formatCurrency(profitMetrics.grossProfit)} − {formatCurrency(profitMetrics.commission)} = {formatCurrency(profitMetrics.netProfit)}</p>
+                                                    </div>
+                                                </div>
+                                            )}
+                                        </div>
+                                    </div>
+                                    <div className={`text-3xl sm:text-4xl font-black font-mono tracking-tight ${profitMetrics.netProfit >= 0 ? NEON_GREEN : NEON_RED}`}>
+                                        {profitMetrics.netProfit >= 0 ? '+' : ''}{formatCurrency(profitMetrics.netProfit)}
+                                    </div>
+                                    <div className="flex items-center gap-2 mt-2">
+                                        <span className={`text-xs font-bold px-2 py-0.5 rounded-full ${
+                                            profitMetrics.netMargin >= 0
+                                                ? 'text-green-600 dark:text-[#39ff14] bg-green-50 dark:bg-[#39ff14]/10 border border-green-200 dark:border-[#39ff14]/20'
+                                                : 'text-red-600 dark:text-[#ff003c] bg-red-50 dark:bg-[#ff003c]/10 border border-red-200 dark:border-[#ff003c]/20'
+                                        }`}>
+                                            {profitMetrics.netMargin >= 0 ? '+' : ''}{profitMetrics.netMargin.toFixed(1)}% margin
+                                        </span>
+                                    </div>
+                                </NeoCard>
+                            </div>
+
+                            {/* Payments Received Table */}
+                            <NeoCard spotlightColor="rgba(57, 255, 20, 0.1)" innerClassName="p-0 lg:p-0">
+                                <div className="p-5 border-b border-zinc-200 dark:border-white/5 flex items-center justify-between">
+                                    <div className="flex items-center gap-3">
+                                        <Banknote className={NEON_GREEN} size={20} />
+                                        <h3 className="text-lg font-bold text-zinc-900 dark:text-white tracking-widest uppercase">Payments Received</h3>
+                                        <span className="text-xs font-bold bg-zinc-100 dark:bg-white/5 border border-zinc-200 dark:border-white/5 px-2 py-0.5 rounded-full text-zinc-500 dark:text-zinc-400">
+                                            {payments.length}
+                                        </span>
+                                    </div>
+                                    <button
+                                        onClick={() => setCreateModalConfig({
+                                            title: 'Record Payment', icon: Banknote, iconColor: 'text-[#39ff14]', iconBg: 'bg-[#39ff14]/10',
+                                            submitLabel: 'Save Payment', submitColor: 'bg-[#39ff14]/20 text-[#39ff14] border-[#39ff14]/30',
+                                            fields: [
+                                                { name: 'from', label: 'From / Payer Name', type: 'text', required: true, placeholder: 'e.g. State Farm Insurance' },
+                                                { name: 'method', label: 'Payment Method', type: 'select', options: [{ label: 'Cash', value: 'Cash' }, { label: 'Check', value: 'Check' }, { label: 'ACH', value: 'ACH' }, { label: 'Credit Card', value: 'Credit Card' }, { label: 'Wire Transfer', value: 'Wire Transfer' }], required: true },
+                                                { name: 'amount', label: 'Amount ($)', type: 'number', required: true },
+                                                { name: 'date', label: 'Payment Date', type: 'date', required: true },
+                                                { name: 'refNumber', label: 'Check No. / Reference', type: 'text', placeholder: 'e.g. CHK-1234' },
+                                                { name: 'memo', label: 'Memo / Notes', type: 'textarea' },
+                                            ],
+                                            onSubmit: handleAddPayment
+                                        })}
+                                        className="bg-[#39ff14]/10 hover:bg-[#39ff14]/20 text-green-600 dark:text-[#39ff14] border border-[#39ff14]/30 px-4 py-2 rounded-lg text-xs font-bold transition flex items-center gap-2"
+                                    >
+                                        <Plus size={14} /> Record Payment
+                                    </button>
+                                </div>
+
+                                {payments.length > 0 ? (
+                                    <>
+                                        <div className="overflow-x-auto w-full hidden md:block">
+                                            <table className="w-full text-left border-collapse min-w-[800px]">
+                                                <thead className="bg-zinc-100 dark:bg-[#18181b]/80 border-b border-zinc-200 dark:border-white/10">
+                                                    <tr>
+                                                        <th className="px-5 py-4 text-xs font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400">From / Method</th>
+                                                        <th className="px-5 py-4 text-xs font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400 text-right cursor-pointer hover:text-zinc-700 dark:hover:text-zinc-200 transition-colors select-none" onClick={() => togglePaymentSort('amount')}>
+                                                            Amount {paymentSort.field === 'amount' ? (paymentSort.dir === 'asc' ? '↑' : '↓') : ''}
+                                                        </th>
+                                                        <th className="px-5 py-4 text-xs font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400 cursor-pointer hover:text-zinc-700 dark:hover:text-zinc-200 transition-colors select-none" onClick={() => togglePaymentSort('date')}>
+                                                            Date {paymentSort.field === 'date' ? (paymentSort.dir === 'asc' ? '↑' : '↓') : ''}
+                                                        </th>
+                                                        <th className="px-5 py-4 text-xs font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400">Check No. / Ref</th>
+                                                        <th className="px-5 py-4 text-xs font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400">Memo</th>
+                                                    </tr>
+                                                </thead>
+                                                <tbody className="divide-y divide-zinc-100 dark:divide-white/5">
+                                                    {paginatedPayments.map((pay) => (
+                                                        <tr key={pay.id} className="hover:bg-zinc-50 dark:hover:bg-white/5 transition-colors">
+                                                            <td className="px-5 py-4">
+                                                                <div className="font-bold text-sm text-zinc-900 dark:text-white">{pay.from}</div>
+                                                                <span className={`inline-block mt-1 px-2.5 py-0.5 rounded-full text-[10px] font-bold uppercase tracking-widest ${
+                                                                    pay.method === 'ACH' ? 'text-sky-600 dark:text-[#00f0ff] bg-sky-50 dark:bg-blue-500/10 border border-sky-200 dark:border-blue-500/20' :
+                                                                    pay.method === 'Check' ? 'text-amber-600 dark:text-amber-400 bg-amber-50 dark:bg-amber-500/10 border border-amber-200 dark:border-amber-500/20' :
+                                                                    pay.method === 'Credit Card' ? 'text-purple-600 dark:text-purple-400 bg-purple-50 dark:bg-purple-500/10 border border-purple-200 dark:border-purple-500/20' :
+                                                                    pay.method === 'Wire Transfer' ? 'text-emerald-600 dark:text-emerald-400 bg-emerald-50 dark:bg-emerald-500/10 border border-emerald-200 dark:border-emerald-500/20' :
+                                                                    'text-zinc-600 dark:text-zinc-400 bg-zinc-100 dark:bg-white/5 border border-zinc-200 dark:border-white/10'
+                                                                }`}>
+                                                                    {pay.method}
+                                                                </span>
+                                                            </td>
+                                                            <td className="px-5 py-4 text-right font-mono text-sm font-bold text-green-600 dark:text-[#39ff14]">
+                                                                {formatCurrency(pay.amount)}
+                                                            </td>
+                                                            <td className="px-5 py-4 text-sm text-zinc-500 dark:text-zinc-400 font-mono">{pay.date}</td>
+                                                            <td className="px-5 py-4 font-mono text-xs text-zinc-500 dark:text-zinc-400">{pay.refNumber || '—'}</td>
+                                                            <td className="px-5 py-4 text-xs text-zinc-500 dark:text-zinc-400 max-w-[200px] truncate">{pay.memo || '—'}</td>
+                                                        </tr>
+                                                    ))}
+                                                </tbody>
+                                            </table>
+                                        </div>
+
+                                        <div className="md:hidden p-4 space-y-3">
+                                            {paginatedPayments.map((pay) => (
+                                                <div key={pay.id} className="bg-zinc-50 dark:bg-white/[0.03] border border-zinc-100 dark:border-white/[0.06] rounded-2xl p-4 space-y-3">
+                                                    <div className="flex items-start justify-between">
+                                                        <div>
+                                                            <p className="font-bold text-sm text-zinc-900 dark:text-white">{pay.from}</p>
+                                                            <span className={`inline-block mt-1 px-2.5 py-0.5 rounded-full text-[10px] font-bold uppercase tracking-widest ${
+                                                                pay.method === 'ACH' ? 'text-sky-600 dark:text-[#00f0ff] bg-sky-50 dark:bg-blue-500/10 border border-sky-200 dark:border-blue-500/20' :
+                                                                pay.method === 'Check' ? 'text-amber-600 dark:text-amber-400 bg-amber-50 dark:bg-amber-500/10 border border-amber-200 dark:border-amber-500/20' :
+                                                                pay.method === 'Credit Card' ? 'text-purple-600 dark:text-purple-400 bg-purple-50 dark:bg-purple-500/10 border border-purple-200 dark:border-purple-500/20' :
+                                                                pay.method === 'Wire Transfer' ? 'text-emerald-600 dark:text-emerald-400 bg-emerald-50 dark:bg-emerald-500/10 border border-emerald-200 dark:border-emerald-500/20' :
+                                                                'text-zinc-600 dark:text-zinc-400 bg-zinc-100 dark:bg-white/5 border border-zinc-200 dark:border-white/10'
+                                                            }`}>
+                                                                {pay.method}
+                                                            </span>
+                                                        </div>
+                                                        <span className="font-mono text-lg font-black text-green-600 dark:text-[#39ff14]">{formatCurrency(pay.amount)}</span>
+                                                    </div>
+                                                    <div className="grid grid-cols-2 gap-2 text-xs">
+                                                        <div>
+                                                            <span className="text-zinc-500 dark:text-zinc-500">Date</span>
+                                                            <p className="font-mono text-zinc-700 dark:text-zinc-300">{pay.date}</p>
+                                                        </div>
+                                                        <div>
+                                                            <span className="text-zinc-500 dark:text-zinc-500">Ref #</span>
+                                                            <p className="font-mono text-zinc-700 dark:text-zinc-300">{pay.refNumber || '—'}</p>
+                                                        </div>
+                                                    </div>
+                                                    {pay.memo && (
+                                                        <p className="text-xs text-zinc-500 dark:text-zinc-400 border-t border-zinc-100 dark:border-white/5 pt-2">{pay.memo}</p>
+                                                    )}
+                                                </div>
+                                            ))}
+                                        </div>
+
+                                        {totalPaymentPages > 1 && (
+                                            <div className="px-5 py-4 border-t border-zinc-200 dark:border-white/5 flex items-center justify-between">
+                                                <p className="text-xs text-zinc-500 dark:text-zinc-400 font-mono">
+                                                    {paymentPage * PAYMENTS_PER_PAGE + 1}–{Math.min((paymentPage + 1) * PAYMENTS_PER_PAGE, sortedPayments.length)} of {sortedPayments.length}
+                                                </p>
+                                                <div className="flex gap-2">
+                                                    <button
+                                                        onClick={() => setPaymentPage(p => Math.max(0, p - 1))}
+                                                        disabled={paymentPage === 0}
+                                                        className="p-2 rounded-lg bg-zinc-100 dark:bg-white/5 border border-zinc-200 dark:border-white/10 text-zinc-500 dark:text-zinc-400 hover:bg-zinc-200 dark:hover:bg-white/10 disabled:opacity-30 disabled:cursor-not-allowed transition-colors"
+                                                    >
+                                                        <ChevronLeft size={14} />
+                                                    </button>
+                                                    <button
+                                                        onClick={() => setPaymentPage(p => Math.min(totalPaymentPages - 1, p + 1))}
+                                                        disabled={paymentPage >= totalPaymentPages - 1}
+                                                        className="p-2 rounded-lg bg-zinc-100 dark:bg-white/5 border border-zinc-200 dark:border-white/10 text-zinc-500 dark:text-zinc-400 hover:bg-zinc-200 dark:hover:bg-white/10 disabled:opacity-30 disabled:cursor-not-allowed transition-colors"
+                                                    >
+                                                        <ChevronRight size={14} />
+                                                    </button>
+                                                </div>
+                                            </div>
+                                        )}
+                                    </>
+                                ) : (
+                                    <div className="p-16 text-center text-zinc-500">
+                                        <Banknote size={48} className="mx-auto mb-4 text-zinc-400 dark:text-zinc-600" />
+                                        <p className="font-bold text-lg text-zinc-900 dark:text-white">No payments recorded yet.</p>
+                                        <p className="text-sm mt-2 text-zinc-400">Record your first payment to start tracking.</p>
+                                    </div>
+                                )}
+                            </NeoCard>
                         </div>
                     )}
 
@@ -982,367 +1320,6 @@ const OwnerProjectDetail = () => {
                         </NeoCard>
                     )}
 
-                    {/* PAYMENTS TAB */}
-                    {activeTab === 'payments' && (
-                        <div className="space-y-6 max-w-7xl mx-auto" onClick={() => openTooltip && setOpenTooltip(null)}>
-                            {/* Financial Summary Row */}
-                            <div className="grid grid-cols-2 sm:grid-cols-3 gap-4">
-                                <SpotlightCard className="p-4">
-                                    <div className={`text-xl font-extrabold ${NEON_GREEN}`}>{formatCurrency(totalReceived)}</div>
-                                    <div className="text-[10px] uppercase font-bold tracking-wider text-zinc-500 mt-1">Total Received</div>
-                                </SpotlightCard>
-                                <SpotlightCard className="p-4">
-                                    <div className="text-xl font-extrabold text-zinc-900 dark:text-white">{formatCurrency(profitMetrics.totalCosts)}</div>
-                                    <div className="text-[10px] uppercase font-bold tracking-wider text-zinc-500 mt-1">Total Costs</div>
-                                </SpotlightCard>
-                                <SpotlightCard className="p-4">
-                                    <div className="text-xl font-extrabold text-zinc-900 dark:text-white">{formatCurrency(profitMetrics.additionalExp)}</div>
-                                    <div className="text-[10px] uppercase font-bold tracking-wider text-zinc-500 mt-1">Addl. Expenses</div>
-                                </SpotlightCard>
-                            </div>
-
-                            {/* Commission Configuration Card */}
-                            <NeoCard spotlightColor="rgba(253, 169, 19, 0.1)" innerClassName="!p-5">
-                                <div className="flex items-start justify-between mb-4">
-                                    <div className="flex items-center gap-2">
-                                        <DollarSign size={18} className={NEON_GOLD} />
-                                        <h4 className="text-sm font-mono font-bold text-zinc-900 dark:text-white uppercase tracking-widest">Commission</h4>
-                                        {/* Source Badge */}
-                                        {(() => {
-                                            const src = resolvedCommission.source;
-                                            const badgeCfg = {
-                                                org: { icon: Building2, label: 'Org Default', color: 'text-sky-500 dark:text-[#00f0ff]', bg: 'bg-sky-50 dark:bg-[#00f0ff]/10', border: 'border-sky-200 dark:border-[#00f0ff]/20' },
-                                                user: { icon: UserIcon, label: 'User Override', color: 'text-purple-500 dark:text-purple-400', bg: 'bg-purple-50 dark:bg-purple-500/10', border: 'border-purple-200 dark:border-purple-500/20' },
-                                                job: { icon: Briefcase, label: 'Job Override', color: 'text-amber-600 dark:text-[#fda913]', bg: 'bg-amber-50 dark:bg-[#fda913]/10', border: 'border-amber-200 dark:border-[#fda913]/20' },
-                                            };
-                                            const b = badgeCfg[src];
-                                            const BadgeIcon = b.icon;
-                                            return (
-                                                <span className={`inline-flex items-center gap-1 px-2 py-0.5 rounded-full text-[10px] font-bold uppercase tracking-widest border ${b.color} ${b.bg} ${b.border}`}>
-                                                    <BadgeIcon size={10} />
-                                                    {b.label}
-                                                </span>
-                                            );
-                                        })()}
-                                    </div>
-                                    <div className="flex items-center gap-1">
-                                        <button
-                                            type="button"
-                                            onClick={(e) => { e.stopPropagation(); setCommissionSettingsOpen(true); }}
-                                            className="p-1.5 rounded-lg hover:bg-amber-500/10 transition-colors group"
-                                            title="Commission Settings"
-                                        >
-                                            <Settings size={15} className="text-zinc-400 dark:text-zinc-500 group-hover:text-amber-500 dark:group-hover:text-[#fda913] transition-colors" />
-                                        </button>
-                                        <div className="relative">
-                                            <button type="button" onClick={(e) => { e.stopPropagation(); setOpenTooltip(prev => prev === 'commission' ? null : 'commission'); }} className="p-1 rounded-lg hover:bg-zinc-100 dark:hover:bg-white/10 transition-colors">
-                                                <Info size={14} className="text-zinc-400 dark:text-zinc-500" />
-                                            </button>
-                                            {openTooltip === 'commission' && (
-                                                <div className="absolute right-0 top-2 z-30 w-72 p-3 rounded-xl bg-white dark:bg-zinc-800 border border-zinc-200 dark:border-white/10 shadow-xl text-xs text-zinc-600 dark:text-zinc-300">
-                                                    <p className="font-bold text-zinc-900 dark:text-white mb-2">Commission Hierarchy</p>
-                                                    <div className="space-y-1.5">
-                                                        <p><span className="font-bold text-amber-600 dark:text-amber-400">Job Override:</span> Highest priority — set per job</p>
-                                                        <p><span className="font-bold text-purple-600 dark:text-purple-400">User Override:</span> Per-user commission settings</p>
-                                                        <p><span className="font-bold text-sky-600 dark:text-[#00f0ff]">Org Default:</span> Organization-wide fallback</p>
-                                                    </div>
-                                                    <div className="mt-2 pt-2 border-t border-zinc-100 dark:border-white/5">
-                                                        <p className="text-[10px] text-zinc-500">Priority: Job &rarr; User &rarr; Org</p>
-                                                    </div>
-                                                </div>
-                                            )}
-                                        </div>
-                                    </div>
-                                </div>
-
-                                <div className="grid grid-cols-1 sm:grid-cols-12 gap-4 items-end">
-                                    {/* Type Selector */}
-                                    <div className="sm:col-span-4">
-                                        <label className="text-[10px] font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400 block mb-1.5">Type</label>
-                                        <select
-                                            value={activeCommissionConfig.type}
-                                            onChange={e => setCommissionConfig(prev => ({ ...(prev || { type: activeCommissionConfig.type, rate: activeCommissionConfig.rate }), type: e.target.value, rate: '' }))}
-                                            className="w-full bg-zinc-50 dark:bg-[#18181b] border border-zinc-200 dark:border-white/10 rounded-xl px-4 py-2.5 text-sm text-zinc-900 dark:text-white outline-none focus:border-amber-500 dark:focus:border-amber-500 focus:ring-1 focus:ring-amber-500/30 transition-all"
-                                        >
-                                            {COMMISSION_TYPES.map(ct => (
-                                                <option key={ct.value} value={ct.value}>{ct.label}</option>
-                                            ))}
-                                        </select>
-                                    </div>
-
-                                    {/* Rate / Value Input */}
-                                    <div className="sm:col-span-4">
-                                        <label className="text-[10px] font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400 block mb-1.5">
-                                            {activeCommissionConfig.type === 'percent_gross' || activeCommissionConfig.type === 'percent_net' ? 'Rate (%)' : 'Amount ($)'}
-                                        </label>
-                                        <div className="relative">
-                                            <span className="absolute left-3 top-1/2 -translate-y-1/2 text-sm text-zinc-400 dark:text-zinc-500 pointer-events-none">
-                                                {activeCommissionConfig.type === 'percent_gross' || activeCommissionConfig.type === 'percent_net' ? '%' : '$'}
-                                            </span>
-                                            <input
-                                                type="number"
-                                                step="any"
-                                                min="0"
-                                                value={activeCommissionConfig.rate}
-                                                onChange={e => setCommissionConfig(prev => ({ ...(prev || { type: activeCommissionConfig.type, rate: activeCommissionConfig.rate }), type: activeCommissionConfig.type, rate: e.target.value }))}
-                                                placeholder={activeCommissionConfig.type === 'percent_gross' || activeCommissionConfig.type === 'percent_net' ? 'e.g. 10' : 'e.g. 5000'}
-                                                className="w-full bg-zinc-50 dark:bg-[#18181b] border border-zinc-200 dark:border-white/10 rounded-xl pl-8 pr-4 py-2.5 text-sm text-zinc-900 dark:text-white placeholder-zinc-400 dark:placeholder-zinc-600 outline-none focus:border-amber-500 dark:focus:border-amber-500 focus:ring-1 focus:ring-amber-500/30 transition-all"
-                                            />
-                                        </div>
-                                    </div>
-
-                                    {/* Calculated Result */}
-                                    <div className="sm:col-span-4">
-                                        <label className="text-[10px] font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400 block mb-1.5">Calculated Commission</label>
-                                        <div className="bg-zinc-100 dark:bg-black/40 border border-zinc-200 dark:border-white/5 rounded-xl px-4 py-2.5 flex items-center justify-between">
-                                            <span className="text-lg font-black font-mono text-amber-600 dark:text-[#fda913]">{formatCurrency(profitMetrics.commission)}</span>
-                                        </div>
-                                    </div>
-                                </div>
-
-                                {/* Live Formula Preview */}
-                                <div className="mt-3 px-3 py-2 bg-zinc-50 dark:bg-black/30 rounded-lg border border-zinc-100 dark:border-white/5 flex items-center justify-between">
-                                    <p className="text-[11px] font-mono text-zinc-500 dark:text-zinc-400">
-                                        <span className="text-amber-600 dark:text-amber-500 font-bold">Formula: </span>
-                                        {profitMetrics.commissionFormula}
-                                    </p>
-                                </div>
-                            </NeoCard>
-
-                            {/* Profit Summary Cards */}
-                            <div className="grid grid-cols-1 sm:grid-cols-2 gap-4">
-                                {/* Gross Profit */}
-                                <NeoCard
-                                    spotlightColor={profitMetrics.grossProfit >= 0 ? "rgba(57, 255, 20, 0.12)" : "rgba(255, 0, 60, 0.12)"}
-                                    innerClassName="!p-5"
-                                >
-                                    <div className="flex items-start justify-between mb-3">
-                                        <div className="flex items-center gap-2">
-                                            <TrendingUp size={18} className={profitMetrics.grossProfit >= 0 ? NEON_GREEN : NEON_RED} />
-                                            <h4 className="text-xs font-mono font-bold text-zinc-500 dark:text-zinc-400 uppercase tracking-widest">Gross Profit</h4>
-                                        </div>
-                                        <div className="relative">
-                                            <button type="button" onClick={(e) => { e.stopPropagation(); setOpenTooltip(prev => prev === 'gross' ? null : 'gross'); }} className="p-1 rounded-lg hover:bg-zinc-100 dark:hover:bg-white/10 transition-colors">
-                                                <Info size={14} className="text-zinc-400 dark:text-zinc-500" />
-                                            </button>
-                                            {openTooltip === 'gross' && (
-                                                <div className="absolute right-0 top-2 z-30 w-64 p-3 rounded-xl bg-white dark:bg-zinc-800 border border-zinc-200 dark:border-white/10 shadow-xl text-xs text-zinc-600 dark:text-zinc-300">
-                                                    <p className="font-bold text-zinc-900 dark:text-white mb-1">Gross Profit Formula</p>
-                                                    <p className="font-mono text-[11px]">Total Received − Total Actual Costs</p>
-                                                    <div className="mt-2 pt-2 border-t border-zinc-100 dark:border-white/5 space-y-1">
-                                                        <p>{formatCurrency(totalReceived)} − {formatCurrency(profitMetrics.totalCosts)} = {formatCurrency(profitMetrics.grossProfit)}</p>
-                                                    </div>
-                                                </div>
-                                            )}
-                                        </div>
-                                    </div>
-                                    <div className={`text-3xl sm:text-4xl font-black font-mono tracking-tight ${profitMetrics.grossProfit >= 0 ? NEON_GREEN : NEON_RED}`}>
-                                        {profitMetrics.grossProfit >= 0 ? '+' : ''}{formatCurrency(profitMetrics.grossProfit)}
-                                    </div>
-                                    <div className="flex items-center gap-2 mt-2">
-                                        <span className={`text-xs font-bold px-2 py-0.5 rounded-full ${
-                                            profitMetrics.grossMargin >= 0
-                                                ? 'text-green-600 dark:text-[#39ff14] bg-green-50 dark:bg-[#39ff14]/10 border border-green-200 dark:border-[#39ff14]/20'
-                                                : 'text-red-600 dark:text-[#ff003c] bg-red-50 dark:bg-[#ff003c]/10 border border-red-200 dark:border-[#ff003c]/20'
-                                        }`}>
-                                            {profitMetrics.grossMargin >= 0 ? '+' : ''}{profitMetrics.grossMargin.toFixed(1)}% margin
-                                        </span>
-                                    </div>
-                                </NeoCard>
-
-                                {/* Net Profit */}
-                                <NeoCard
-                                    spotlightColor={profitMetrics.netProfit >= 0 ? "rgba(57, 255, 20, 0.12)" : "rgba(255, 0, 60, 0.12)"}
-                                    innerClassName="!p-5"
-                                >
-                                    <div className="flex items-start justify-between mb-3">
-                                        <div className="flex items-center gap-2">
-                                            <DollarSign size={18} className={profitMetrics.netProfit >= 0 ? NEON_GREEN : NEON_RED} />
-                                            <h4 className="text-xs font-mono font-bold text-zinc-500 dark:text-zinc-400 uppercase tracking-widest">Net Profit</h4>
-                                        </div>
-                                        <div className="relative">
-                                            <button type="button" onClick={(e) => { e.stopPropagation(); setOpenTooltip(prev => prev === 'net' ? null : 'net'); }} className="p-1 rounded-lg hover:bg-zinc-100 dark:hover:bg-white/10 transition-colors">
-                                                <Info size={14} className="text-zinc-400 dark:text-zinc-500" />
-                                            </button>
-                                            {openTooltip === 'net' && (
-                                                <div className="absolute right-0 top-2 z-30 w-72 p-3 rounded-xl bg-white dark:bg-zinc-800 border border-zinc-200 dark:border-white/10 shadow-xl text-xs text-zinc-600 dark:text-zinc-300">
-                                                    <p className="font-bold text-zinc-900 dark:text-white mb-1">Net Profit Formula</p>
-                                                    <p className="font-mono text-[11px]">Gross Profit − Commission − Addl. Expenses</p>
-                                                    <div className="mt-2 pt-2 border-t border-zinc-100 dark:border-white/5 space-y-1">
-                                                        <p>{formatCurrency(profitMetrics.grossProfit)} − {formatCurrency(profitMetrics.commission)} − {formatCurrency(profitMetrics.additionalExp)} = {formatCurrency(profitMetrics.netProfit)}</p>
-                                                    </div>
-                                                </div>
-                                            )}
-                                        </div>
-                                    </div>
-                                    <div className={`text-3xl sm:text-4xl font-black font-mono tracking-tight ${profitMetrics.netProfit >= 0 ? NEON_GREEN : NEON_RED}`}>
-                                        {profitMetrics.netProfit >= 0 ? '+' : ''}{formatCurrency(profitMetrics.netProfit)}
-                                    </div>
-                                    <div className="flex items-center gap-2 mt-2">
-                                        <span className={`text-xs font-bold px-2 py-0.5 rounded-full ${
-                                            profitMetrics.netMargin >= 0
-                                                ? 'text-green-600 dark:text-[#39ff14] bg-green-50 dark:bg-[#39ff14]/10 border border-green-200 dark:border-[#39ff14]/20'
-                                                : 'text-red-600 dark:text-[#ff003c] bg-red-50 dark:bg-[#ff003c]/10 border border-red-200 dark:border-[#ff003c]/20'
-                                        }`}>
-                                            {profitMetrics.netMargin >= 0 ? '+' : ''}{profitMetrics.netMargin.toFixed(1)}% margin
-                                        </span>
-                                    </div>
-                                </NeoCard>
-                            </div>
-
-                            {/* Payments Table */}
-                            <NeoCard spotlightColor="rgba(57, 255, 20, 0.1)" innerClassName="p-0 lg:p-0">
-                                <div className="p-5 border-b border-zinc-200 dark:border-white/5 flex items-center justify-between">
-                                    <div className="flex items-center gap-3">
-                                        <Banknote className={NEON_GREEN} size={20} />
-                                        <h3 className="text-lg font-bold text-zinc-900 dark:text-white tracking-widest uppercase">Payments Received</h3>
-                                        <span className="text-xs font-bold bg-zinc-100 dark:bg-white/5 border border-zinc-200 dark:border-white/5 px-2 py-0.5 rounded-full text-zinc-500 dark:text-zinc-400">
-                                            {payments.length}
-                                        </span>
-                                    </div>
-                                    <button
-                                        onClick={() => setCreateModalConfig({
-                                            title: 'Record Payment', icon: Banknote, iconColor: 'text-[#39ff14]', iconBg: 'bg-[#39ff14]/10',
-                                            submitLabel: 'Save Payment', submitColor: 'bg-[#39ff14]/20 text-[#39ff14] border-[#39ff14]/30',
-                                            fields: [
-                                                { name: 'from', label: 'From / Payer Name', type: 'text', required: true, placeholder: 'e.g. State Farm Insurance' },
-                                                { name: 'method', label: 'Payment Method', type: 'select', options: [{ label: 'Cash', value: 'Cash' }, { label: 'Check', value: 'Check' }, { label: 'ACH', value: 'ACH' }, { label: 'Credit Card', value: 'Credit Card' }, { label: 'Wire Transfer', value: 'Wire Transfer' }], required: true },
-                                                { name: 'amount', label: 'Amount ($)', type: 'number', required: true },
-                                                { name: 'date', label: 'Payment Date', type: 'date', required: true },
-                                                { name: 'refNumber', label: 'Check No. / Reference', type: 'text', placeholder: 'e.g. CHK-1234' },
-                                                { name: 'memo', label: 'Memo / Notes', type: 'textarea' },
-                                            ],
-                                            onSubmit: handleAddPayment
-                                        })}
-                                        className="bg-[#39ff14]/10 hover:bg-[#39ff14]/20 text-green-600 dark:text-[#39ff14] border border-[#39ff14]/30 px-4 py-2 rounded-lg text-xs font-bold transition flex items-center gap-2"
-                                    >
-                                        <Plus size={14} /> Record Payment
-                                    </button>
-                                </div>
-
-                                {payments.length > 0 ? (
-                                    <>
-                                        {/* Desktop Table */}
-                                        <div className="overflow-x-auto w-full hidden md:block">
-                                            <table className="w-full text-left border-collapse min-w-[800px]">
-                                                <thead className="bg-zinc-100 dark:bg-[#18181b]/80 border-b border-zinc-200 dark:border-white/10">
-                                                    <tr>
-                                                        <th className="px-5 py-4 text-xs font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400">From / Method</th>
-                                                        <th
-                                                            className="px-5 py-4 text-xs font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400 text-right cursor-pointer hover:text-zinc-700 dark:hover:text-zinc-200 transition-colors select-none"
-                                                            onClick={() => togglePaymentSort('amount')}
-                                                        >
-                                                            Amount {paymentSort.field === 'amount' ? (paymentSort.dir === 'asc' ? '↑' : '↓') : ''}
-                                                        </th>
-                                                        <th
-                                                            className="px-5 py-4 text-xs font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400 cursor-pointer hover:text-zinc-700 dark:hover:text-zinc-200 transition-colors select-none"
-                                                            onClick={() => togglePaymentSort('date')}
-                                                        >
-                                                            Date {paymentSort.field === 'date' ? (paymentSort.dir === 'asc' ? '↑' : '↓') : ''}
-                                                        </th>
-                                                        <th className="px-5 py-4 text-xs font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400">Check No. / Ref</th>
-                                                        <th className="px-5 py-4 text-xs font-bold uppercase tracking-wider text-zinc-500 dark:text-zinc-400">Memo</th>
-                                                    </tr>
-                                                </thead>
-                                                <tbody className="divide-y divide-zinc-100 dark:divide-white/5">
-                                                    {paginatedPayments.map((pay) => (
-                                                        <tr key={pay.id} className="hover:bg-zinc-50 dark:hover:bg-white/5 transition-colors">
-                                                            <td className="px-5 py-4">
-                                                                <div className="font-bold text-sm text-zinc-900 dark:text-white">{pay.from}</div>
-                                                                <span className={`inline-block mt-1 px-2.5 py-0.5 rounded-full text-[10px] font-bold uppercase tracking-widest ${
-                                                                    pay.method === 'ACH' ? 'text-sky-600 dark:text-[#00f0ff] bg-sky-50 dark:bg-blue-500/10 border border-sky-200 dark:border-blue-500/20' :
-                                                                    pay.method === 'Check' ? 'text-amber-600 dark:text-amber-400 bg-amber-50 dark:bg-amber-500/10 border border-amber-200 dark:border-amber-500/20' :
-                                                                    pay.method === 'Credit Card' ? 'text-purple-600 dark:text-purple-400 bg-purple-50 dark:bg-purple-500/10 border border-purple-200 dark:border-purple-500/20' :
-                                                                    pay.method === 'Wire Transfer' ? 'text-emerald-600 dark:text-emerald-400 bg-emerald-50 dark:bg-emerald-500/10 border border-emerald-200 dark:border-emerald-500/20' :
-                                                                    'text-zinc-600 dark:text-zinc-400 bg-zinc-100 dark:bg-white/5 border border-zinc-200 dark:border-white/10'
-                                                                }`}>
-                                                                    {pay.method}
-                                                                </span>
-                                                            </td>
-                                                            <td className="px-5 py-4 text-right font-mono text-sm font-bold text-green-600 dark:text-[#39ff14]">
-                                                                {formatCurrency(pay.amount)}
-                                                            </td>
-                                                            <td className="px-5 py-4 text-sm text-zinc-500 dark:text-zinc-400 font-mono">{pay.date}</td>
-                                                            <td className="px-5 py-4 font-mono text-xs text-zinc-500 dark:text-zinc-400">{pay.refNumber || '—'}</td>
-                                                            <td className="px-5 py-4 text-xs text-zinc-500 dark:text-zinc-400 max-w-[200px] truncate">{pay.memo || '—'}</td>
-                                                        </tr>
-                                                    ))}
-                                                </tbody>
-                                            </table>
-                                        </div>
-
-                                        {/* Mobile Card View */}
-                                        <div className="md:hidden p-4 space-y-3">
-                                            {paginatedPayments.map((pay) => (
-                                                <div key={pay.id} className="bg-zinc-50 dark:bg-white/[0.03] border border-zinc-100 dark:border-white/[0.06] rounded-2xl p-4 space-y-3">
-                                                    <div className="flex items-start justify-between">
-                                                        <div>
-                                                            <p className="font-bold text-sm text-zinc-900 dark:text-white">{pay.from}</p>
-                                                            <span className={`inline-block mt-1 px-2.5 py-0.5 rounded-full text-[10px] font-bold uppercase tracking-widest ${
-                                                                pay.method === 'ACH' ? 'text-sky-600 dark:text-[#00f0ff] bg-sky-50 dark:bg-blue-500/10 border border-sky-200 dark:border-blue-500/20' :
-                                                                pay.method === 'Check' ? 'text-amber-600 dark:text-amber-400 bg-amber-50 dark:bg-amber-500/10 border border-amber-200 dark:border-amber-500/20' :
-                                                                pay.method === 'Credit Card' ? 'text-purple-600 dark:text-purple-400 bg-purple-50 dark:bg-purple-500/10 border border-purple-200 dark:border-purple-500/20' :
-                                                                pay.method === 'Wire Transfer' ? 'text-emerald-600 dark:text-emerald-400 bg-emerald-50 dark:bg-emerald-500/10 border border-emerald-200 dark:border-emerald-500/20' :
-                                                                'text-zinc-600 dark:text-zinc-400 bg-zinc-100 dark:bg-white/5 border border-zinc-200 dark:border-white/10'
-                                                            }`}>
-                                                                {pay.method}
-                                                            </span>
-                                                        </div>
-                                                        <span className="font-mono text-lg font-black text-green-600 dark:text-[#39ff14]">{formatCurrency(pay.amount)}</span>
-                                                    </div>
-                                                    <div className="grid grid-cols-2 gap-2 text-xs">
-                                                        <div>
-                                                            <span className="text-zinc-500 dark:text-zinc-500">Date</span>
-                                                            <p className="font-mono text-zinc-700 dark:text-zinc-300">{pay.date}</p>
-                                                        </div>
-                                                        <div>
-                                                            <span className="text-zinc-500 dark:text-zinc-500">Ref #</span>
-                                                            <p className="font-mono text-zinc-700 dark:text-zinc-300">{pay.refNumber || '—'}</p>
-                                                        </div>
-                                                    </div>
-                                                    {pay.memo && (
-                                                        <p className="text-xs text-zinc-500 dark:text-zinc-400 border-t border-zinc-100 dark:border-white/5 pt-2">{pay.memo}</p>
-                                                    )}
-                                                </div>
-                                            ))}
-                                        </div>
-
-                                        {/* Pagination */}
-                                        {totalPaymentPages > 1 && (
-                                            <div className="px-5 py-4 border-t border-zinc-200 dark:border-white/5 flex items-center justify-between">
-                                                <p className="text-xs text-zinc-500 dark:text-zinc-400 font-mono">
-                                                    {paymentPage * PAYMENTS_PER_PAGE + 1}–{Math.min((paymentPage + 1) * PAYMENTS_PER_PAGE, sortedPayments.length)} of {sortedPayments.length}
-                                                </p>
-                                                <div className="flex gap-2">
-                                                    <button
-                                                        onClick={() => setPaymentPage(p => Math.max(0, p - 1))}
-                                                        disabled={paymentPage === 0}
-                                                        className="p-2 rounded-lg bg-zinc-100 dark:bg-white/5 border border-zinc-200 dark:border-white/10 text-zinc-500 dark:text-zinc-400 hover:bg-zinc-200 dark:hover:bg-white/10 disabled:opacity-30 disabled:cursor-not-allowed transition-colors"
-                                                    >
-                                                        <ChevronLeft size={14} />
-                                                    </button>
-                                                    <button
-                                                        onClick={() => setPaymentPage(p => Math.min(totalPaymentPages - 1, p + 1))}
-                                                        disabled={paymentPage >= totalPaymentPages - 1}
-                                                        className="p-2 rounded-lg bg-zinc-100 dark:bg-white/5 border border-zinc-200 dark:border-white/10 text-zinc-500 dark:text-zinc-400 hover:bg-zinc-200 dark:hover:bg-white/10 disabled:opacity-30 disabled:cursor-not-allowed transition-colors"
-                                                    >
-                                                        <ChevronRight size={14} />
-                                                    </button>
-                                                </div>
-                                            </div>
-                                        )}
-                                    </>
-                                ) : (
-                                    <div className="p-16 text-center text-zinc-500">
-                                        <Banknote size={48} className="mx-auto mb-4 text-zinc-400 dark:text-zinc-600" />
-                                        <p className="font-bold text-lg text-zinc-900 dark:text-white">No payments recorded yet.</p>
-                                        <p className="text-sm mt-2 text-zinc-400">Record your first payment to start tracking.</p>
-                                    </div>
-                                )}
-                            </NeoCard>
-                        </div>
-                    )}
-
                     {/* RISK & ISSUES TAB */}
                     {activeTab === 'risks' && (
                         <div className="space-y-6">